.bd4-page {
    --bd4-blue: #1f4fd8;
    --bd4-green: #00c389;
    --bd4-navy: #0e1d5c;
    --bd4-ink: #1d2433;
    --bd4-mute: #5d677a;
    --bd4-line: #e3e8f0;
    background: #f5f7fb;
    padding-bottom: 80px;
}

/* dark band + breadcrumb */
/* dark band + breadcrumb */
.bd4-band {
    background: var(--bd4-navy);
    height: 400px;
    padding-top: 150px;
} /* 150px clears the fixed header */

.bd4-crumb-wrap {
    max-width: 1200px;
    margin: 0 auto;
} /* same width as the hero card, so the left edges line up */

.bd4-crumbs {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    list-style: none;
    margin: 0;
    padding: 8px 18px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 30px;
    color: #ffffffb3;
    font-size: 14px;
    max-width: 100%;
}
.bd4-crumbs a {
    color: #fff;
    font-weight: 600;
}
.bd4-crumbs a:hover {
    color: var(--bd4-green);
}
.bd4-crumbs a i {
    margin-right: 4px;
}
.bd4-crumbs .sep {
    font-size: 12px;
    opacity: 0.6;
}
.bd4-crumbs .current {
    color: #fff;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    min-width: 0;
}
.bd4-crumbs a {
    color: #fff;
}

/* floating hero card */
.bd4-hero {
    position: relative;
    z-index: 2;
    margin-top: -150px;
    margin-left: auto;
    margin-right: auto;
    max-width: 1400px;
    background: #fff;
    border: 1px solid var(--bd4-line);
    border-radius: 14px;
    overflow: hidden;
    box-shadow: 0 20px 50px rgba(14, 29, 92, 0.12);
}

.bd4-hero-body {
    padding: 20px 34px;
}

.bd4-hero-img {
    display: block;
    width: 100%;
    height: auto;
    aspect-ratio: 16 / 9; /* your real image ratio */
    object-fit: cover;
}
.bd4-hero-body {
    padding: 10px 0px !important;
}
.bd4-title {
    font-size: clamp(26px, 4vw, 38px);
    line-height: 1.25;
    color: var(--bd4-ink);
    margin: 0 0 14px;
}
.bd4-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 6px 22px;
    list-style: none;
    margin: 0;
    padding: 0;
    color: var(--bd4-mute);
    font-size: 14px;
}
.bd4-meta i {
    color: var(--bd4-blue);
    margin-right: 6px;
}

/* layout */
.bd4-main {
    max-width: 1400px;
    margin-left: auto;
    margin-top: 40px;
    margin-right: auto;
}
.bd4-page .container {
    max-width: 1400px;
    padding-left: 15px;
    padding-right: 15px;
}
/* share rail */
.bd4-share {
    position: sticky;
    top: 110px;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 10px;
}
.bd4-share-label {
    font-size: 12px;
    color: var(--bd4-mute);
}
.bd4-share a {
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: #fff;
    border: 1px solid var(--bd4-line);
    color: var(--bd4-ink);
    transition: 0.2s;
}
.bd4-share a:hover {
    background: var(--bd4-blue);
    border-color: var(--bd4-blue);
    color: #fff;
}

/* article */
.bd4-article {
    font-size: 17px;
    line-height: 1.8;
    color: var(--bd4-ink);
    overflow-wrap: anywhere;
}
.bd4-article h2,
.bd4-article h3 {
    scroll-margin-top: 112px;
    margin: 34px 0 14px;
    color: var(--bd4-ink);
    font-size: 26px;
    text-align: left;
}
.bd4-article img {
    max-width: 100%;
    height: auto;
    border-radius: 10px;
}
.bd4-article a {
    color: var(--bd4-blue);
}
/* ---------- TABLES ---------- */
.bd4-table-wrap {
    margin: 26px 0;
    border-radius: 12px;
    overflow-x: auto; /* rounded corners + sideways scroll on mobile */
    box-shadow: 0 6px 24px rgba(14, 29, 92, 0.07);
    background: #fff;
}
.bd4-article table {
    width: 100% !important;
    min-width: 560px; /* below this the wrapper scrolls */
    margin: 0 !important;
    border: 0 !important;
    border-collapse: collapse !important;
    font-size: 15px;
}
/* remove every border, including ones set inline */
.bd4-article table th,
.bd4-article table td {
    border: 0 !important;
    border-bottom: 1px solid var(--bd4-line) !important;
    padding: 14px 18px !important;
    vertical-align: top;
    text-align: left;
    line-height: 1.6;
}
.bd4-article table th {
    background: #1a5c9e !important; /* same blue as your 2nd image */
    color: #fff !important;
    font-weight: 700;
    border-bottom: 0 !important;
    white-space: nowrap;
}
.bd4-article table tbody tr:nth-child(odd) td {
    background: #e9ebef !important;
}
.bd4-article table tbody tr:nth-child(even) td {
    background: #fff !important;
}
.bd4-article table tr:last-child td {
    border-bottom: 0 !important;
}
.bd4-article table td p {
    margin: 0 0 6px;
}
.bd4-article table td p:last-child {
    margin-bottom: 0;
}
.bd4-article table td:first-child {
    font-weight: 600;
}

/* ---------- BLOCKQUOTES ---------- */
.bd4-article blockquote {
    margin: 30px 0;
    font-style: normal;
    border: 0;
}

/* Box with only links ("Explore more about...") */
.bd4-article blockquote.bd4-links {
    background: #fff;
    border: 1px solid var(--bd4-line);
    border-radius: 14px;
    padding: 20px 22px 8px;
    box-shadow: 0 6px 24px rgba(14, 29, 92, 0.06);
}
.bd4-article blockquote.bd4-links::before {
    content: "Related reading";
    display: block;
    font-weight: 800;
    font-size: 17px;
    color: var(--bd4-ink);
    margin-bottom: 8px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--bd4-green);
}
.bd4-article blockquote.bd4-links p {
    margin: 0;
}
.bd4-article blockquote.bd4-links a {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 14px;
    padding: 13px 4px;
    color: var(--bd4-ink);
    font-weight: 600;
    border-bottom: 1px solid var(--bd4-line);
    transition:
        color 0.2s,
        padding 0.2s;
}
.bd4-article blockquote.bd4-links p:last-child a {
    border-bottom: 0;
}
.bd4-article blockquote.bd4-links a::after {
    content: "\203A";
    font-size: 24px;
    line-height: 1;
    color: var(--bd4-blue);
}
.bd4-article blockquote.bd4-links a:hover {
    color: var(--bd4-blue);
    padding-left: 10px;
}

/* Message / call-to-action box ("If you're still unsure...") */
.bd4-article blockquote.bd4-callout {
    background: linear-gradient(135deg, #eef3ff, #effbf6);
    border: 1px solid #d9e4ff;
    border-left: 5px solid var(--bd4-green);
    border-radius: 14px;
    padding: 26px 30px;
    font-size: 17px;
    line-height: 1.8;
}
.bd4-article blockquote.bd4-callout p {
    margin: 0 0 10px;
}
.bd4-article blockquote.bd4-callout p:last-child {
    margin-bottom: 0;
}
.bd4-article blockquote.bd4-callout a {
    font-weight: 700;
    text-decoration: underline;
    text-underline-offset: 3px;
}

/* sidebar */
.bd4-widget {
    background: #fff;
    border: 1px solid var(--bd4-line);
    border-radius: 12px;
    padding: 22px;
    margin-bottom: 24px;
}
.bd4-widget-title {
    font-size: 18px;
    margin: 0 0 16px;
    padding-bottom: 12px;
    border-bottom: 2px solid #e25625;
}

.bd4-toc {
    list-style: none;
    margin: 0;
    padding: 0;
}
.bd4-toc a {
    display: block;
    padding: 7px 0 7px 14px;
    border-left: 2px solid var(--bd4-line);
    color: var(--bd4-mute);
    font-size: 14px;
    line-height: 1.4;
}
.bd4-toc a:hover,
.bd4-toc a.active {
    color: var(--bd4-blue);
    border-left-color: var(--bd4-blue);
    font-weight: 700;
}
.bd4-toc-h3 a {
    padding-left: 28px;
    font-size: 13px;
}

.bd4-list {
    list-style: none;
    margin: 0;
    padding: 0;
}
.bd4-list li {
    display: flex;
    gap: 12px;
    align-items: center;
    margin-bottom: 16px;
}
.bd4-list li:last-child {
    margin-bottom: 0;
}
.bd4-list img {
    flex: 0 0 64px;
    width: 64px;
    height: 52px;
    object-fit: cover;
    border-radius: 6px;
}
.bd4-list a {
    display: block;
    font-weight: 700;
    font-size: 14px;
    line-height: 1.4;
    color: var(--bd4-ink);
}
.bd4-list a:hover {
    color: var(--bd4-blue);
}
.bd4-list a.bd4-more {
    font-weight: 600;
    font-size: 13px;
    color: var(--bd4-blue);
    margin-top: 2px;
}

/* below lg: share rail goes horizontal */
@media (max-width: 991.98px) {
    .bd4-share {
        position: static;
        flex-direction: row;
        margin-bottom: 20px;
    }
    .bd4-hero-body {
        padding: 16px 20px;
    }
    .bd4-banner {
        padding-bottom: 170px;
    }
    .bd4-hero {
        margin-top: -110px;
    }
}

.bd4-sidebar {
    position: sticky;
    top: 125px;
}
.container {
    max-width: 1400px;
    padding-left: 15px;
    padding-right: 15px;
}
@media (max-width: 991.98px) {
    .bd4-article table th,
    .bd4-article table td {
        min-width: 150px !important; /* below this the wrapper scrolls */
    }
}
@media (max-width: 991.98px) {
    .bd4-sidebar {
        position: static;
    }
}
.page-wrapper {
    overflow: clip;
}

/* taller banner, uses the template's own title + breadcrumb style */
.bd4-banner {
    padding-bottom: 240px; /* more height; the hero card overlaps the bottom of it */
}
.bd4-banner .page-title {
    font-size: clamp(28px, 4vw, 46px);
    max-width: 1000px;
    margin-left: auto;
    margin-right: auto;
}

/* FAQ */
.bd4-faq {
    margin-top: 50px;
}
.bd4-faq-title {
    font-size: 26px;
    margin-bottom: 18px;
    color: var(--bd4-ink);
}
.bd4-faq-item {
    background: #fff;
    border: 1px solid var(--bd4-line);
    border-radius: 12px;
    margin-bottom: 12px;
    overflow: hidden;
}
.bd4-faq-item summary {
    cursor: pointer;
    list-style: none;
    padding: 16px 52px 16px 20px;
    position: relative;
    font-weight: 700;
    color: var(--bd4-ink);
}
.bd4-faq-item summary::-webkit-details-marker {
    display: none;
}
.bd4-faq-item summary::after {
    content: "+";
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 24px;
    color: var(--bd4-blue);
}
.bd4-faq-item[open] summary {
    color: var(--bd4-blue);
    border-bottom: 1px solid var(--bd4-line);
}
.bd4-faq-item[open] summary::after {
    content: "\2212";
}
.bd4-faq-answer {
    padding: 16px 20px 18px;
    line-height: 1.8;
}