/* PBTWeb hub design system — Roboto, navy + steel blue, white editorial */
:root{--navy:#0F1B2E;--ink:#121C2E;--blue:#3A6FB5;--blue-dark:#2A5698;--muted:#5E6B82;--line:#DCE6F5;--mist:#F5F8FD;--sky:#EAF1FB}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{font-family:'Roboto',Arial,sans-serif;color:#333;background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:'Roboto',Arial,sans-serif;color:var(--ink)}
.hub-logo{font-weight:900;font-size:1.45rem;color:var(--navy);letter-spacing:-.4px}.hub-logo span{color:var(--blue)}.hub-logo i{color:var(--blue);font-size:1.2rem;margin-right:2px}.hub-logo.light{color:#fff}
#topNav{border-bottom:1px solid var(--line);transition:box-shadow .25s}.navbar .nav-link{color:var(--ink)!important;font-weight:500;padding:.55rem .75rem;font-size:.95rem}.navbar .nav-link.active,.navbar .nav-link:hover{color:var(--blue)!important}
.navbar-toggler{border-color:#BFCFE6}.navbar-toggler:focus{box-shadow:0 0 0 .2rem rgba(58,111,181,.25)}
.btn-hub{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;border:none;border-radius:40px;font-weight:700;padding:.7rem 1.5rem;min-height:44px;box-shadow:0 6px 16px rgba(42,86,152,.28);transition:.22s}
.btn-hub:hover,.btn-hub:focus{color:#fff;transform:translateY(-2px);box-shadow:0 10px 22px rgba(42,86,152,.4);text-decoration:none}
.btn-outline-hub{border:2px solid var(--blue);color:var(--blue-dark);border-radius:40px;font-weight:600;min-height:44px;padding:.6rem 1.4rem}.btn-outline-hub:hover{background:var(--blue);color:#fff;text-decoration:none}
.hub-hero{background:linear-gradient(180deg,var(--sky) 0%,var(--mist) 60%,#fff 100%);padding:56px 0 48px}
.hub-eyebrow{display:inline-block;color:var(--blue-dark);font-weight:700;font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;margin-bottom:12px}
.hub-hero h1{font-weight:900;font-size:clamp(1.7rem,5.2vw,2.6rem);line-height:1.15;margin-bottom:16px}
.hub-lead{font-size:1.05rem;line-height:1.7;color:#333;margin-bottom:22px}
.hub-hero-btns{display:flex;flex-wrap:wrap;gap:12px}
.hub-featured{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px 24px;text-align:center;box-shadow:0 14px 34px rgba(58,111,181,.14);position:relative}
.hub-featured img{max-width:240px;margin:6px auto 12px;display:block;filter:drop-shadow(0 14px 26px rgba(58,111,181,.25))}
.hub-featured h2{font-size:1.25rem;font-weight:800;margin-bottom:8px}.hub-featured p{color:var(--muted);font-size:.93rem}
.hub-tag{position:absolute;top:-13px;left:50%;transform:translateX(-50%);background:var(--blue);color:#fff;font-size:.68rem;font-weight:700;padding:5px 14px;border-radius:30px;letter-spacing:.4px;text-transform:uppercase;white-space:nowrap}
.hub-section{padding:52px 0}.hub-section.alt{background:var(--mist)}
.hub-section h2{font-weight:800;font-size:clamp(1.35rem,4vw,1.85rem);margin-bottom:16px}.hub-section p{line-height:1.75;margin-bottom:14px}
.hub-sub{color:var(--muted);max-width:640px;margin:0 auto 28px!important}
.hub-card{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 22px;height:100%;box-shadow:0 6px 18px rgba(58,111,181,.08);transition:.25s;color:#333}
.hub-card:hover{transform:translateY(-5px);box-shadow:0 14px 30px rgba(58,111,181,.16);text-decoration:none}
.hub-card h3{font-size:1.08rem;font-weight:700;margin:0 0 8px}.hub-card p{font-size:.93rem;color:var(--muted);margin:0 0 10px}
.hub-ic{width:58px;height:58px;border-radius:14px;background:linear-gradient(135deg,#C4D6F0,#9FBCE6);color:var(--blue-dark);display:flex;align-items:center;justify-content:center;font-size:1.55rem;margin-bottom:14px}
.hub-steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin-top:10px}
.hub-steps div{background:var(--sky);border-radius:12px;padding:14px 16px;font-size:.93rem;color:var(--ink);display:flex;gap:10px;align-items:center}
.hub-steps span{flex:0 0 auto;width:32px;height:32px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.hub-post{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;height:100%;display:flex;flex-direction:column;box-shadow:0 6px 18px rgba(58,111,181,.08);transition:.25s}
.hub-post:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(58,111,181,.15)}
.hub-cat{display:inline-block;background:var(--sky);color:var(--blue-dark);font-size:.68rem;font-weight:700;padding:4px 10px;border-radius:20px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px;align-self:flex-start}
.hub-post h3{font-size:1.04rem;font-weight:700;line-height:1.35;margin-bottom:6px}.hub-post h3 a{color:inherit}.hub-post h3 a:hover{color:var(--blue-dark);text-decoration:none}
.hub-meta{font-size:.8rem;color:#8A99B3;margin-bottom:8px!important}.hub-post p{font-size:.92rem;color:var(--muted);flex:1;line-height:1.6;margin-bottom:10px}
.hub-more{color:var(--blue);font-weight:600;font-size:.92rem}
.hub-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 28px;height:100%;box-shadow:0 6px 18px rgba(58,111,181,.08)}
.hub-pagehero{background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;padding:46px 0;text-align:center}
.hub-pagehero h1{color:#fff;font-weight:900;font-size:clamp(1.5rem,5vw,2.2rem);margin:0;line-height:1.2}.hub-pagehero p{color:#DCE6F5;margin:12px auto 0;max-width:720px;font-size:1.02rem}
.breadcrumb-bar{background:var(--sky);padding:11px 0;font-size:.86rem;color:var(--muted)}.breadcrumb-bar span{color:#8A99B3}
.hub-main{padding:44px 0 56px}.hub-main h2{font-weight:800;font-size:1.4rem;margin:30px 0 12px}.hub-main h3{font-weight:700;font-size:1.12rem;margin:18px 0 8px}
.hub-main p,.hub-main li{line-height:1.78;margin-bottom:12px}.hub-main ul,.hub-main ol{padding-left:1.3rem}
.hub-intro{font-size:1.06rem;color:#223556;background:var(--sky);border-left:4px solid var(--blue);padding:16px 20px;border-radius:10px}
.hub-contact{font-size:1.2rem;font-weight:600;background:var(--sky);border-radius:12px;padding:18px 22px;margin:14px 0 22px}.hub-contact i{color:var(--blue);margin-right:6px}
.a26-box{background:#fff;border:1px dashed #9FBCE6;border-radius:12px;padding:14px 18px;margin:18px 0 24px;font-size:.95rem}
.a26-list{list-style:none;padding:0;margin:0}.a26-item{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.a26-letter{flex:0 0 auto;width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--blue),var(--blue-dark));color:#fff;font-weight:900;font-size:1.3rem;display:flex;align-items:center;justify-content:center}
.a26-item h3{margin:2px 0 4px;font-size:1.08rem}.a26-item p{margin:0;font-size:.95rem;color:#333}
.hub-table{width:100%;border-collapse:collapse;font-size:.93rem;margin:18px 0}.hub-table th,.hub-table td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}.hub-table thead th{background:var(--sky);color:var(--ink)}.hub-table tbody th{background:#fff;color:var(--ink);font-weight:700;min-width:170px}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.hub-sources li{font-size:.92rem}
.hub-footer{background:var(--navy);color:rgba(255,255,255,.78);padding:52px 0 32px}.hub-footer p{line-height:1.7;font-size:.95rem}.hub-footer a{color:#BFCFE6}.hub-footer a:hover{color:#fff}
.hub-footer h4{color:#fff;font-size:1rem;font-weight:700;margin-bottom:12px}.hub-flinks{list-style:none;padding:0;margin:0}.hub-flinks li{margin:6px 0;font-size:.93rem}
.hub-disclaimer{max-width:960px;margin:28px auto 16px;font-size:.8rem;line-height:1.7;color:#8A99B3;border-top:1px solid rgba(255,255,255,.1);padding-top:22px}.hub-disclaimer strong{color:#DCE6F5}
.hub-copy{text-align:center;font-size:.9rem;color:#BFCFE6;margin:0}
@media (max-width:767px){.hub-hero{padding:38px 0 34px}.hub-section{padding:40px 0}.hub-main{padding:34px 0 44px}.hub-featured{padding:22px 16px}.a26-item{gap:12px}.a26-letter{width:40px;height:40px;font-size:1.1rem}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
body{-webkit-user-select:none;-moz-user-select:none;user-select:none}input,textarea,[contenteditable]{-webkit-user-select:text;user-select:text}

/* homepage extras */
.hub-answer{background:#fff;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:12px;padding:16px 20px;margin:0 0 22px;font-size:1.02rem;line-height:1.7;color:#223556}
.hub-stats{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hub-stats div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px 16px;text-align:center;box-shadow:0 8px 22px rgba(58,111,181,.1)}
.hub-stats strong{display:block;font-size:2.2rem;font-weight:900;color:var(--blue-dark);line-height:1}
.hub-stats span{font-size:.85rem;color:var(--muted)}
.hub-process{padding-left:1.2rem}.hub-process li{margin-bottom:12px;line-height:1.7}
.hub-faq{margin-top:8px}.hub-q{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0;margin-bottom:10px}
.hub-q summary{cursor:pointer;font-weight:600;color:var(--ink);padding:14px 18px;list-style:none;display:flex;justify-content:space-between;align-items:center;min-height:48px}
.hub-q summary::-webkit-details-marker{display:none}.hub-q summary::after{content:"+";color:var(--blue);font-weight:700;font-size:1.2rem}.hub-q[open] summary::after{content:"‘2"}
.hub-q p{padding:0 18px 16px;margin:0;line-height:1.7}
.hub-inline{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px}.hub-inline li a{display:inline-block;background:var(--sky);border-radius:20px;padding:6px 14px;font-size:.9rem;font-weight:500}
.hub-cat-head{font-size:1.3rem;font-weight:800;margin:10px 0 18px;padding-bottom:8px;border-bottom:2px solid var(--line)}.hub-cat-head i{color:var(--blue);margin-right:6px}