/* ===== migration additions (AEO/SEO sections, breadcrumb, form, video) – set --msm-red to the brand colour ===== */
:root{--msm-red:#da251c;--msm-dark:#333;--msm-grey:#666;--msm-bg:#f5f5f5}
.msm-aeo{background:#fff;padding:60px 0}
.msm-aeo-row{width:80%;max-width:1080px;margin:auto}
.msm-aeo-head{text-align:center;margin-bottom:22px}
.msm-aeo-kicker{display:block;color:var(--msm-red);font-family:inherit;font-weight:700;font-size:14px;letter-spacing:1px;text-transform:uppercase;margin-bottom:6px}
.msm-aeo-title{font-family:inherit;font-size:30px;line-height:1.3;color:#000;padding:0}
.msm-aeo-answer{max-width:860px;margin:0 auto 22px;text-align:center;font-size:16px;line-height:1.8;color:var(--msm-grey)}
.msm-aeo-answer strong{color:var(--msm-dark);font-weight:600}
.msm-aeo-links{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-bottom:50px}
.msm-aeo-links a{background:var(--msm-red);color:#fff;padding:10px 20px;font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;border-radius:2px;transition:background .2s}
.msm-aeo-links a:hover,.msm-aeo-links a:focus{background:#b01d15}
.msm-faq{max-width:900px;margin:auto}
.msm-faq-item{border:1px solid #e5e5e5;border-left:4px solid var(--msm-red);background:#fff;margin-bottom:12px;border-radius:2px}
.msm-faq-item summary{cursor:pointer;list-style:none;padding:16px 48px 16px 20px;position:relative}
.msm-faq-item summary::-webkit-details-marker{display:none}
.msm-faq-item summary::after{content:'+';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--msm-red);font-weight:700}
.msm-faq-item[open] summary::after{content:'–'}
.msm-faq-item summary h3{font-size:17px;font-weight:600;color:var(--msm-dark);padding:0;margin:0;display:inline}
.msm-faq-item p{padding:0 20px 18px;margin:0;color:var(--msm-grey);font-size:15px;line-height:1.7}
.msm-nap{background:var(--msm-bg)}
.msm-nap-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.msm-nap-grid>div{background:#fff;padding:24px;border-top:3px solid var(--msm-red)}
.msm-nap-grid h3{font-size:18px;color:var(--msm-red);padding-bottom:8px}
.msm-nap-grid p{font-size:15px;line-height:1.8;color:var(--msm-grey)}
.msm-nap-grid a{color:var(--msm-dark)}
.msm-breadcrumb{background:#f7f7f7;border-bottom:1px solid #eee}
.msm-bc-inner{width:80%;max-width:1080px;margin:auto;padding:10px 0}
.msm-breadcrumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;font-size:13px}
.msm-breadcrumb li+li::before{content:'›';margin:0 8px;color:#999}
.msm-breadcrumb a{color:var(--msm-red)}
.msm-breadcrumb li[aria-current]{color:#555}
/* lite YouTube (videos load only on click – faster page) */
.msm-yt{position:relative;display:block;aspect-ratio:16/9;background:#000 center/cover no-repeat;cursor:pointer;overflow:hidden}
.msm-yt img{width:100%;height:100%;object-fit:cover;display:block;opacity:.9}
.msm-yt::after{content:'';position:absolute;left:50%;top:50%;width:68px;height:48px;transform:translate(-50%,-50%);background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 68 48'%3E%3Cpath d='M66.5 7.7a8.5 8.5 0 0 0-6-6C55.3.3 34 .3 34 .3s-21.3 0-26.5 1.4a8.5 8.5 0 0 0-6 6C.1 12.9.1 24 .1 24s0 11.1 1.4 16.3a8.5 8.5 0 0 0 6 6C12.7 47.7 34 47.7 34 47.7s21.3 0 26.5-1.4a8.5 8.5 0 0 0 6-6C67.9 35.1 67.9 24 67.9 24s0-11.1-1.4-16.3z' fill='%23da251c'/%3E%3Cpath d='M45 24 27 14v20' fill='%23fff'/%3E%3C/svg%3E") center/contain no-repeat}
.msm-yt iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
/* form */
.msm-hp{position:absolute!important;left:-9999px!important;height:0;overflow:hidden}
.msm-form-msg{padding:14px 18px;margin:10px 0 18px;border-radius:2px;font-size:15px}
.msm-ok{background:#e8f6ec;border-left:4px solid #2e9e4f;color:#1d5e30}
.msm-err{background:#fdecea;border-left:4px solid var(--msm-red);color:#8a1d15}
.gfield_error input,.gfield_error textarea{border-color:var(--msm-red)!important}
@media(max-width:980px){.msm-nap-grid{grid-template-columns:1fr}.msm-aeo-row,.msm-bc-inner{width:90%}.msm-aeo-title{font-size:24px}.msm-aeo{padding:40px 0}}
/* ---- AEO blocks v3 ---- */
.msm-definition{max-width:860px;margin:-8px auto 22px;text-align:center;font-size:15px;color:var(--msm-grey);font-style:italic}
.msm-answer{padding:40px 0 30px}
.msm-glance{background:var(--msm-bg)}
.msm-glance-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:18px}
.msm-glance-grid li{background:#fff;text-align:center;padding:22px 12px;border-bottom:3px solid var(--msm-red)}
.msm-stat{display:block;font-size:32px;font-weight:700;color:var(--msm-red);line-height:1.2}
.msm-stat-label{display:block;font-size:14px;color:var(--msm-dark);text-transform:uppercase;letter-spacing:.5px;margin-top:6px}
.msm-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;counter-reset:s}
.msm-steps li{background:#fff;border:1px solid #eee;padding:26px 20px 20px;position:relative;text-align:center}
.msm-step-no{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--msm-red);color:#fff;font-weight:700;font-size:18px;margin-bottom:10px}
.msm-steps h3,.msm-why-grid h3{font-size:17px;color:var(--msm-dark);padding-bottom:6px}
.msm-steps p,.msm-why-grid p{font-size:14px;line-height:1.7;color:var(--msm-grey)}
.msm-trust{background:var(--msm-bg)}
.msm-trust-list{list-style:none;margin:0 auto 24px;padding:0;max-width:900px;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:10px 24px}
.msm-trust-list li{padding-left:28px;position:relative;font-size:15px;line-height:1.7;color:var(--msm-dark)}
.msm-trust-list li::before{content:'✓';position:absolute;left:0;top:0;color:var(--msm-red);font-weight:700}
.msm-trust-logos{display:flex;flex-wrap:wrap;gap:24px;justify-content:center;align-items:center}
.msm-trust-logos img{height:60px;width:auto;object-fit:contain;filter:grayscale(.2)}
.msm-why-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.msm-why-grid li{border-top:3px solid var(--msm-red);background:#fff;padding:20px;box-shadow:0 2px 10px rgba(0,0,0,.05)}
/* theme list styles (Divi/Elementor) must not leak into AEO blocks */
.msm-aeo ul,.msm-aeo ol{list-style:none!important;padding:0!important;margin-left:0!important}
.msm-aeo li{list-style:none!important}.msm-aeo li::marker{content:''}
.msm-aeo ul li::before{color:var(--msm-red)}

/* ---- AEO area: one new section at the bottom, theme colour accents ---- */
.msm-aeo{border-top:1px solid #eee}
.msm-aeo + .msm-aeo{border-top:0;padding-top:20px}
/* ---- contact form: clean, responsive (scoped to our form only) ---- */
#gform_wrapper_1{max-width:860px;margin:0 auto}
#gform_wrapper_1 .gform_fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
#gform_wrapper_1 .gfield{grid-column:auto!important;width:auto!important;margin:0!important}
#gform_wrapper_1 .gfield--width-full,#gform_wrapper_1 .msm-hp{grid-column:1/-1!important}
#gform_wrapper_1 input:not([type=hidden]),#gform_wrapper_1 select,#gform_wrapper_1 textarea{width:100%!important;max-width:100%!important;box-sizing:border-box;padding:12px 14px!important;border:1px solid #d6d6d6!important;border-radius:4px!important;font-size:15px!important;background:#fff!important;color:#333;transition:border-color .2s,box-shadow .2s}
#gform_wrapper_1 input:focus,#gform_wrapper_1 select:focus,#gform_wrapper_1 textarea:focus{outline:0;border-color:var(--msm-red)!important;box-shadow:0 0 0 3px color-mix(in srgb,var(--msm-red) 18%,transparent)}
#gform_wrapper_1 .gform_button{background:var(--msm-red)!important;color:#fff!important;border:0!important;border-radius:4px!important;padding:13px 34px!important;font-size:16px!important;font-weight:600;cursor:pointer;transition:filter .2s}
#gform_wrapper_1 .gform_button:hover{filter:brightness(.9)}
#gform_wrapper_1 .gfield_error input,#gform_wrapper_1 .gfield_error select,#gform_wrapper_1 .gfield_error textarea{border-color:#c62828!important}
@media(max-width:767px){#gform_wrapper_1 .gform_fields{grid-template-columns:1fr}#gform_wrapper_1 .gform_button{width:100%}}

:root{--msm-red:#0c1771}
:root{--msm-red:#0c1771}
.msm-aeo ~ x{}
#gform_1 .ginput_container_radio{display:flex;flex-wrap:wrap;gap:8px 24px}
#gform_1 .ginput_container_radio .gchoice{display:inline-flex!important;align-items:center;gap:8px;margin:4px 0;width:auto!important;font-size:15px}
#gform_1 .ginput_container_radio input[type=radio]{width:auto!important;height:auto;margin:0;flex:none}

/* MS Tax: match old Gravity Forms design (labels hidden, grey fields, small button) */
#gform_1 .hidden_label > .gfield_label{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(1px,1px,1px,1px);white-space:nowrap}
#gform_1 .gform_fields{row-gap:24px;column-gap:16px}
#gform_1 input[type=text],#gform_1 input[type=email],#gform_1 input[type=tel],#gform_1 select{background:#f5f5f5;border:1px solid rgba(0,0,0,.12);border-radius:4px;height:52px;padding:0 24px;font-size:14px;color:#112337;box-shadow:none}
#gform_1 select{height:44px}
#gform_1 textarea{background:#f5f5f5;border:1px solid rgba(0,0,0,.12);border-radius:4px;height:96px;min-height:96px;padding:16px 24px;font-size:14px;color:#112337}
#gform_1 input[type=file]{background:#f5f5f5;border:1px solid rgba(0,0,0,.12);border-radius:4px;padding:8px;font-size:14px}
#gform_1 .gform_footer{margin-top:24px}
#gform_1 .gform_button{background:#0c1771;color:#fff;border:0;border-radius:8px;padding:10px 30px;font-size:14px;font-weight:500;width:auto!important;height:auto;line-height:18px}
#gform_1 legend.gfield_label,#gform_1 .gfield_contains_required:not(.hidden_label)>.gfield_label{font-size:13px;color:#112337}
#gform_1 .gfield_required{color:#c02b0a;font-size:12px}
@media(max-width:640px){#gform_1 .gform_button{width:auto!important}}

#gform_1 input[type=text],#gform_1 input[type=email],#gform_1 input[type=tel],#gform_1 select,#gform_1 textarea,#gform_1 input[type=file]{background:#f5f5f5!important;border:1px solid rgba(0,0,0,.12)!important;border-radius:4px!important;color:#112337!important;font-size:14px!important}
#gform_1 input[type=text],#gform_1 input[type=email],#gform_1 input[type=tel]{padding:0 40px!important;height:52px!important}
#gform_1 select{padding:0 40px!important;height:40px!important}
#gform_1 textarea{padding:20px 40px!important;height:96px!important;min-height:96px!important}
#gform_1 .gform_fields{row-gap:40px!important}
#gform_1 .ginput_container_radio{display:block!important}
#gform_1 .ginput_container_radio .gchoice{display:flex!important;margin:0 0 10px!important;font-size:14px}
#gform_1 .ginput_container_radio input[type=radio]{width:18px!important;height:18px!important}
@media(max-width:640px){#gform_1 .gform_fields{row-gap:24px!important}}
@media(max-width:640px){#gform_1 .gform_fields{row-gap:40px!important}}

/* ===== MS Tax: advanced layout – How it works (timeline) + FAQ (split) ===== */
#msm-process{background:#0c1771;color:#fff;padding:90px 0;border-top:0;position:relative;overflow:hidden}
#msm-process::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 12% 20%,rgba(233,64,13,.18),transparent 40%),radial-gradient(circle at 88% 85%,rgba(255,255,255,.07),transparent 45%);pointer-events:none}
#msm-process .msm-aeo-row{position:relative}
#msm-process .msm-aeo-head{margin-bottom:56px}
#msm-process .msm-aeo-kicker{color:#ff8a5c}
#msm-process .msm-aeo-title{color:#fff;font-family:'Lora',Georgia,serif;font-size:38px;font-weight:600}
.msm-timeline{display:grid!important;grid-template-columns:repeat(4,1fr);gap:28px!important;position:relative}
.msm-timeline::before{content:'';position:absolute;top:32px;left:12.5%;right:12.5%;height:2px;background:repeating-linear-gradient(90deg,rgba(255,255,255,.45) 0 10px,transparent 10px 18px)}
.msm-timeline li{background:none!important;border:0!important;padding:0!important;text-align:center;position:relative}
.msm-tl-dot{position:relative;z-index:1;display:flex;justify-content:center;margin-bottom:26px}
.msm-timeline .msm-step-no{width:64px;height:64px;margin:0;border-radius:50%;background:#e9400d;color:#fff;font-family:'Lora',Georgia,serif;font-size:22px;font-weight:700;box-shadow:0 0 0 8px rgba(233,64,13,.22),0 10px 24px rgba(0,0,0,.25);transition:transform .3s}
.msm-tl-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:26px 22px 24px;height:calc(100% - 90px);transition:transform .3s,background .3s,border-color .3s;backdrop-filter:blur(2px)}
.msm-timeline li:hover .msm-tl-card{transform:translateY(-6px);background:#fff;border-color:#fff}
.msm-timeline li:hover .msm-step-no{transform:scale(1.08)}
.msm-tl-tag{display:inline-block;font-size:11px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;color:#ff8a5c;margin-bottom:8px}
.msm-timeline h3{font-family:'Lora',Georgia,serif!important;font-size:20px!important;color:#fff!important;padding-bottom:8px!important;transition:color .3s}
.msm-timeline p{color:rgba(255,255,255,.78)!important;font-size:15px!important;line-height:1.7!important;margin:0;transition:color .3s}
.msm-timeline li:hover h3{color:#0c1771!important}.msm-timeline li:hover p{color:#555!important}.msm-timeline li:hover .msm-tl-tag{color:#e9400d}

#msm-faq{background:#f6f7fb;padding:100px 0;border-top:0}
#msm-faq .msm-aeo-row{width:86%;max-width:1200px}
.msm-faq-wrap{display:grid;grid-template-columns:minmax(280px,380px) 1fr;gap:60px;align-items:start}
.msm-faq-side{position:sticky;top:110px}
.msm-faq-side .msm-aeo-head{text-align:left;margin-bottom:14px}
.msm-faq-side .msm-aeo-kicker{color:#e9400d}
.msm-faq-side .msm-aeo-title{font-family:'Lora',Georgia,serif;font-size:38px;font-weight:600;color:#0c1771;line-height:1.25}
.msm-faq-lead{font-size:16px;line-height:1.75;color:#5b6475;margin:0 0 28px}
.msm-faq-cta{background:#0c1771;border-radius:16px;padding:28px;color:#fff;display:flex;flex-direction:column;gap:6px;position:relative;overflow:hidden}
.msm-faq-cta::after{content:'?';position:absolute;right:-6px;bottom:-40px;font-family:'Lora',Georgia,serif;font-size:170px;font-weight:700;color:rgba(255,255,255,.07);line-height:1}
.msm-faq-cta strong{font-family:'Lora',Georgia,serif;font-size:21px;font-weight:600}
.msm-faq-cta span{color:rgba(255,255,255,.75);font-size:15px;margin-bottom:14px}
.msm-btn{display:inline-block;text-align:center;background:#e9400d;color:#fff!important;padding:12px 22px;border-radius:8px;font-weight:700;font-size:14px;letter-spacing:.3px;margin-top:6px;transition:background .2s,transform .2s;position:relative;z-index:1}
.msm-btn:hover{background:#c8350a;transform:translateY(-2px)}
.msm-btn-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.5)}.msm-btn-ghost:hover{background:rgba(255,255,255,.12)}
#msm-faq .msm-faq{max-width:none;margin:0;display:flex;flex-direction:column;gap:14px}
#msm-faq .msm-faq-item{margin:0;border:1px solid #e6e8f0;border-left:1px solid #e6e8f0;border-radius:14px;background:#fff;box-shadow:0 2px 6px rgba(12,23,113,.04);transition:box-shadow .3s,border-color .3s}
#msm-faq .msm-faq-item:hover{border-color:#c9cde3}
#msm-faq .msm-faq-item[open]{border-color:#0c1771;box-shadow:0 14px 34px rgba(12,23,113,.12)}
#msm-faq .msm-faq-item summary{display:flex;align-items:center;gap:18px;padding:22px 24px}
#msm-faq .msm-faq-item summary::after{display:none}
.msm-faq-no{flex:none;width:44px;height:44px;border-radius:12px;background:#eef0f8;color:#0c1771;display:flex;align-items:center;justify-content:center;font-family:'Lora',Georgia,serif;font-weight:700;font-size:16px;transition:background .3s,color .3s}
#msm-faq .msm-faq-item[open] .msm-faq-no{background:#e9400d;color:#fff}
#msm-faq .msm-faq-item summary h3{flex:1;font-family:'Lora',Georgia,serif;font-size:18px;font-weight:600;color:#0c1771;line-height:1.45}
.msm-faq-ic{flex:none;width:32px;height:32px;border-radius:50%;border:1.5px solid #d5d9ea;position:relative;transition:transform .3s,background .3s,border-color .3s}
.msm-faq-ic::before,.msm-faq-ic::after{content:'';position:absolute;top:50%;left:50%;width:12px;height:2px;background:#0c1771;transform:translate(-50%,-50%);transition:transform .3s,background .3s}
.msm-faq-ic::after{transform:translate(-50%,-50%) rotate(90deg)}
#msm-faq .msm-faq-item[open] .msm-faq-ic{background:#0c1771;border-color:#0c1771;transform:rotate(180deg)}
#msm-faq .msm-faq-item[open] .msm-faq-ic::before{background:#fff}
#msm-faq .msm-faq-item[open] .msm-faq-ic::after{transform:translate(-50%,-50%) rotate(0);background:#fff}
#msm-faq .msm-faq-item p{padding:0 24px 24px 86px;font-size:15.5px;line-height:1.8;color:#5b6475;animation:msmFade .35s ease}
@keyframes msmFade{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

@media(max-width:980px){
 #msm-process,#msm-faq{padding:64px 0}
 #msm-process .msm-aeo-title,.msm-faq-side .msm-aeo-title{font-size:30px}
 .msm-timeline{grid-template-columns:1fr 1fr;row-gap:40px!important}
 .msm-timeline::before{display:none}
 .msm-tl-card{height:auto}
 .msm-faq-wrap{grid-template-columns:1fr;gap:34px}
 .msm-faq-side{position:static}
 .msm-faq-side .msm-aeo-head{text-align:center}.msm-faq-lead{text-align:center}
 .msm-faq-cta{display:none}
 #msm-faq .msm-aeo-row{width:90%}
}
@media(max-width:640px){
 #msm-process{padding:56px 0}
 .msm-timeline{grid-template-columns:1fr;gap:0!important;padding-left:8px!important}
 .msm-timeline::before{display:block;top:10px;bottom:10px;left:35px;right:auto;width:2px;height:auto;background:repeating-linear-gradient(180deg,rgba(255,255,255,.45) 0 10px,transparent 10px 18px)}
 .msm-timeline li{display:flex;gap:18px;text-align:left;padding-bottom:22px!important}
 .msm-tl-dot{margin:0;flex:none}
 .msm-timeline .msm-step-no{width:56px;height:56px;font-size:19px;box-shadow:0 0 0 6px rgba(233,64,13,.22)}
 .msm-tl-card{padding:18px}
 #msm-process .msm-aeo-title,.msm-faq-side .msm-aeo-title{font-size:26px}
 #msm-faq .msm-faq-item summary{padding:16px;gap:12px}
 .msm-faq-no{width:36px;height:36px;font-size:14px;border-radius:10px}
 #msm-faq .msm-faq-item summary h3{font-size:16px}
 .msm-faq-ic{width:28px;height:28px}
 #msm-faq .msm-faq-item p{padding:0 16px 18px 16px;font-size:15px}
 .msm-faq-cta{display:flex;margin-top:4px}
}
@media(prefers-reduced-motion:reduce){.msm-tl-card,.msm-faq-item,.msm-faq-ic,.msm-btn{transition:none}#msm-faq .msm-faq-item p{animation:none}}
@media(max-width:980px){.msm-faq-wrap{display:flex!important;flex-direction:column;gap:0}.msm-faq-side{display:contents}.msm-faq-side>.msm-aeo-head{order:1}.msm-faq-lead{order:2}#msm-faq .msm-faq{order:3}.msm-faq-cta{order:4;display:flex!important;margin-top:28px;align-items:center;text-align:center}}
section#msm-faq,div#msm-faq{max-width:none!important;width:100%!important;margin:0!important}
@media(max-width:980px){.msm-faq-wrap{align-items:stretch!important}.msm-faq-cta .msm-btn{min-width:220px}}


/* ===== MS Tax: tablet + mobile spacing & heading fixes (16 Oct) ===== */
.msm-pill{width:fit-content!important;max-width:100%!important}
.msm-pill .dnxt-blurb-heading{white-space:nowrap!important}
@media(max-width:980px){
 #main-content h1,#main-content h2,#main-content h3,#main-content h4,#main-content h5,#main-content h6,
 #main-content .et_pb_module_header,#main-content .et_pb_toggle_title,#main-content .entry-title,#main-content .dnxt-blurb-heading,
 #main-footer h2,#main-footer h3,#main-footer h4,footer h2,footer h3,footer h4{line-height:1.3!important}
 #main-content .et_pb_toggle_title{padding-right:30px}
 #main-content .et_pb_section{padding-top:56px;padding-bottom:56px}
 #main-content .et_pb_row{padding-top:20px;padding-bottom:20px}
 #main-content .header-level,#main-content .et_pb_module_header{margin-bottom:6px}
 #main-content .et_pb_text h1,#main-content .et_pb_text h2,#main-content .et_pb_text h3{padding-bottom:12px}
 .msm-pill{margin-bottom:14px!important}
 #main-content .dnxte_blurb .dnxt-blurb-wrapper-outer,#main-content .dnxte_blurb .dnxt-blurb-wrapper{max-width:100%;box-sizing:border-box}
 #main-content .et_pb_with_border.dnxte_blurb{overflow:hidden}
}
@media(max-width:767px){
 #main-content .et_pb_section{padding-top:44px;padding-bottom:44px}
 #main-content .et_pb_row{padding-top:14px;padding-bottom:14px}
 #main-content .et_pb_column{margin-bottom:24px}
 #main-content .et_pb_column:last-child{margin-bottom:0}
 #main-content p{margin-bottom:0}
 #main-content .et_pb_with_border.dnxte_blurb .dnxt-blurb-container{padding-right:16px;box-sizing:border-box}
 #main-content .et_pb_post .entry-title,#main-content .et_pb_post h2{margin-bottom:8px}
}

/* How it works – no background, placed as home section 3 (16 Oct) */
#msm-process{background:transparent!important;color:inherit;padding:20px 0 70px!important}
#msm-process::before{display:none}
#msm-process .msm-aeo-kicker{color:#e9400d}
#msm-process .msm-aeo-title{color:#0c1771}
.msm-timeline::before{background:repeating-linear-gradient(90deg,#c9cde3 0 10px,transparent 10px 18px)}
.msm-tl-card{background:#fff;border:1px solid #e6e8f0;box-shadow:0 6px 20px rgba(12,23,113,.06)}
.msm-timeline h3{color:#0c1771!important}
.msm-timeline p{color:#5b6475!important}
.msm-timeline li:hover .msm-tl-card{background:#0c1771;border-color:#0c1771}
.msm-timeline li:hover h3{color:#fff!important}.msm-timeline li:hover p{color:rgba(255,255,255,.82)!important}
.msm-timeline .msm-step-no{box-shadow:0 0 0 8px rgba(233,64,13,.14)}
@media(max-width:980px){#msm-process{padding:20px 0 50px!important}}
@media(max-width:640px){.msm-timeline::before{background:repeating-linear-gradient(180deg,#c9cde3 0 10px,transparent 10px 18px)}}
@media(max-width:400px){.g-recaptcha{transform:scale(.9);transform-origin:0 0}}