/* Fourth five visual rewrites. Scoped to these articles; existing templates remain independent. */
.visual-rewrite-v4 .hero-inner{align-items:center}
.visual-rewrite-v4 .hero-media{overflow:hidden;background:#f2eee6;border-radius:18px;aspect-ratio:auto;min-height:0;height:auto;transform:none;padding:0}
.visual-rewrite-v4 .hero-media img{width:100%;height:auto;aspect-ratio:3/2;object-fit:contain;display:block}
.visual-rewrite-v4 .hero-media .vr-photo-caption{position:static;margin:0;padding:10px 14px;background:#f6f4ef;color:#53616a;font-size:12px;line-height:1.65}
.visual-rewrite-v4 .vr-read-route{display:flex;gap:8px;flex-wrap:wrap;padding:18px 0 28px;align-items:center}
.visual-rewrite-v4 .vr-read-route>span{font-size:13px;font-weight:700;color:#42616d;margin-right:4px}
.visual-rewrite-v4 .vr-read-route a{border:1px solid #a9c8c5;background:#f3f9f7;color:#145952;border-radius:8px;padding:11px 13px;font-weight:700;font-size:14px;text-decoration:none}
.visual-rewrite-v4 .vr-read-route a:hover{background:#e3f1ec}
.visual-rewrite-v4 .vr-diagram{margin:24px 0 28px!important;padding:24px!important;border:1px solid #bfd7d2;border-radius:14px;background:#f5faf8;color:#183e49;max-width:100%;box-sizing:border-box}
.visual-rewrite-v4 .vr-diagram figcaption{font-weight:800;font-size:21px;line-height:1.55;letter-spacing:.01em;margin:0 0 20px;padding:0;background:none;color:#123b48}
.visual-rewrite-v4 .vr-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.visual-rewrite-v4 .vr-card{border:1px solid #d4e3de;border-radius:10px;padding:18px 14px;background:white;display:flex;flex-direction:column;gap:9px;min-width:0}
.visual-rewrite-v4 .vr-card>span{font-size:13px;line-height:1.6;font-weight:700;color:#496570}
.visual-rewrite-v4 .vr-card strong{font-size:25px;line-height:1.4;color:#0d6862;letter-spacing:-.02em}
.visual-rewrite-v4 .vr-card small{font-size:13px;line-height:1.7;color:#3c535c}
.visual-rewrite-v4 .vr-card:only-child{grid-column:1/-1}
.visual-rewrite-v4 .vr-steps+.vr-cards{margin-top:16px}
.visual-rewrite-v4 .vr-note{font-size:13px!important;line-height:1.85!important;color:#4d6169;margin:18px 0 0!important}
.visual-rewrite-v4 .vr-steps{list-style:none;padding:0!important;margin:0!important;display:grid;gap:18px;background:none!important;border:0!important;box-shadow:none}
.visual-rewrite-v4 .vr-nowrap{white-space:nowrap}
.visual-rewrite-v4 .vr-steps>li{display:flex;gap:13px;position:relative;padding:14px!important;margin:0!important;background:white;border:1px solid #d4e3de;border-radius:10px;align-items:flex-start;line-height:1.7}
.visual-rewrite-v4 .vr-steps>li:not(:last-child):after{content:'↓';position:absolute;bottom:-21px;left:27px;font-size:16px;line-height:20px;color:#38796e}
.visual-rewrite-v4 .vr-step-no{flex:0 0 32px;background:#176f66;color:white;border-radius:50%;height:32px;display:grid;place-items:center;font-size:13px;font-weight:800}
.visual-rewrite-v4 .vr-steps strong{font-size:17px;line-height:1.7;display:block}
.visual-rewrite-v4 .vr-steps p{font-size:14px;line-height:1.8;margin:5px 0 0!important}
.visual-rewrite-v4 .vr-equation{font-weight:700;font-size:15px;margin:0 0 18px!important}
.visual-rewrite-v4 .vr-bars{display:grid;gap:22px}
.visual-rewrite-v4 .vr-bar-row>div:first-child{display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:15px;font-weight:700;line-height:1.5}
.visual-rewrite-v4 .vr-bar-row strong{font-size:25px;white-space:nowrap;color:#145e5a}
.visual-rewrite-v4 .vr-bar-row strong small{font-size:13px;margin-left:3px}
.visual-rewrite-v4 .vr-track{height:14px;background:#e0e9e6;border-radius:3px;margin:9px 0}
.visual-rewrite-v4 .vr-track>span{display:block;height:100%;background:var(--vr-bar,#147d78);border-radius:3px}
.visual-rewrite-v4 .vr-bar-row p{font-size:13px;margin:7px 0 0!important;line-height:1.7}
.visual-rewrite-v4 .vr-result{background:#fff0d6;border-left:4px solid #a5722d;padding:12px 14px;margin:20px 0 0!important;font-size:16px;font-weight:700;line-height:1.7}
.visual-rewrite-v4 .vr-unit{font-size:12px;margin:0 0 10px!important}
.visual-rewrite-v4 .vr-months{display:grid;grid-auto-columns:minmax(0,1fr);grid-auto-flow:column;gap:7px}
.visual-rewrite-v4 .vr-month{text-align:center;min-width:0}
.visual-rewrite-v4 .vr-month strong{display:block;font-size:13px;font-variant-numeric:tabular-nums;line-height:22px}
.visual-rewrite-v4 .vr-month>span{font-size:12px;line-height:2}
.visual-rewrite-v4 .vr-month-track{height:140px;display:flex;align-items:flex-end;border-bottom:1px solid #b5c9c3;background:repeating-linear-gradient(to top,transparent 0,transparent 34px,#e2ece7 34px,#e2ece7 35px)}
.visual-rewrite-v4 .vr-month-track>span{display:block;width:70%;margin:0 auto;background:#32847b;border-radius:3px 3px 0 0}
.visual-rewrite-v4 .vr-month-track>span.vr-low{background:#a36a26}
.visual-rewrite-v4 .vr-calculation{border:1px solid #cad5dc;border-radius:9px;margin:22px 0;padding:0 14px;background:#fff}
.visual-rewrite-v4 .vr-calculation>summary{cursor:pointer;color:#17445b;font-weight:700;font-size:15px;padding:16px 0;line-height:1.7;min-height:44px;box-sizing:border-box}
.visual-rewrite-v4 .vr-calculation[open]{padding-bottom:14px}
.visual-rewrite-v4 .vr-text-note{background:#f6f7f9;border-left:3px solid #95afba;padding:20px 24px;margin:24px 0}
.visual-rewrite-v4 .vr-text-note h2{font-size:20px!important;line-height:1.65!important;margin:8px 0 14px!important;border:0!important;padding:0!important}
.visual-rewrite-v4 .vr-text-note h2:before{display:none!important}
.visual-rewrite-v4 .vr-text-note .visual-kicker{font-size:12px;color:#56707a}
.visual-rewrite-v4 .vr-region{margin:28px 0 44px;display:grid;grid-template-columns:42% 1fr;border:1px solid #e0d9cd;background:#faf8f2;border-radius:14px;overflow:hidden}
.visual-rewrite-v4 .vr-region>img{width:100%;height:100%;object-fit:cover;object-position:center;min-height:230px}
.visual-rewrite-v4 .vr-region>figcaption{padding:24px}
.visual-rewrite-v4 .vr-region h2{font-size:21px!important;line-height:1.65!important;padding:0!important;margin:8px 0 12px!important;border:0!important;color:#233f4a}
.visual-rewrite-v4 .vr-region h2:before{display:none!important}
.visual-rewrite-v4 .vr-region p{font-size:14px;line-height:1.9;margin:10px 0}
.visual-rewrite-v4 .vr-region .vr-credit{font-size:11px;color:#56656c;line-height:1.9;margin-top:15px}
.visual-rewrite-v4 .vr-kicker{font-size:12px;font-weight:800;letter-spacing:.05em;color:#61725d}
.visual-rewrite-v4 .vr-next{border-top:2px solid #29766b;padding-top:24px}
.visual-rewrite-v4 .vr-read-route a:focus-visible,.visual-rewrite-v4 .vr-calculation>summary:focus-visible{outline:3px solid #005fa2;outline-offset:3px}
@media(max-width:600px){
 .visual-rewrite-v4 .hero-inner{display:flex;flex-direction:column;gap:18px;align-items:stretch}
 .visual-rewrite-v4 .hero-copy{display:contents}
 .visual-rewrite-v4 .hero-copy>.eyebrow{order:0;align-self:flex-start}
 .visual-rewrite-v4 .hero-copy>h1{order:1;margin:0}
 .visual-rewrite-v4 .hero-media{display:block!important;order:2;width:100%;max-width:none}
 .visual-rewrite-v4 .hero-copy>.hero-lead{order:3;margin:0}
 .visual-rewrite-v4 .hero-copy>.hero-badges{order:4;margin:0}
 .visual-rewrite-v4 .hero-copy>.hero-action-panel{order:5;margin:0}
 .visual-rewrite-v4 .vr-diagram{padding:18px 14px!important;margin:20px 0 24px!important}
 .visual-rewrite-v4 .vr-diagram figcaption{font-size:19px;margin-bottom:16px}
 .visual-rewrite-v4 .vr-cards{grid-template-columns:1fr}
 .visual-rewrite-v4 .vr-card{padding:14px 16px;gap:5px}
 .visual-rewrite-v4 .vr-card strong{font-size:25px}
 .visual-rewrite-v4 .vr-steps strong{font-size:16px}
 .visual-rewrite-v4 .vr-steps>li{padding:12px!important;gap:10px}
 .visual-rewrite-v4 .vr-months{display:flex;flex-direction:column;gap:12px}
 .visual-rewrite-v4 .vr-month{display:grid;grid-template-columns:42px minmax(0,1fr) 51px;gap:8px;align-items:center}
 .visual-rewrite-v4 .vr-month strong{font-size:13px;grid-column:3;grid-row:1;text-align:right}
 .visual-rewrite-v4 .vr-month>span{font-size:12px;white-space:nowrap;grid-column:1;grid-row:1;text-align:left}
 .visual-rewrite-v4 .vr-month-track{height:14px;grid-column:2;grid-row:1;border:0;background:#e0e9e6;display:block}
 .visual-rewrite-v4 .vr-month-track>span{height:14px!important;width:var(--vr-pct);margin:0;border-radius:2px}
 .visual-rewrite-v4 .vr-region{grid-template-columns:1fr}
 .visual-rewrite-v4 .vr-region>img{aspect-ratio:4/3;height:auto;min-height:0;object-fit:contain}
 .visual-rewrite-v4 .vr-region>figcaption{padding:20px}
 .visual-rewrite-v4 .vr-text-note{padding:18px}
 .visual-rewrite-v4 .vr-bar-row>div:first-child{align-items:flex-start;font-size:13px}
 .visual-rewrite-v4 .vr-bar-row strong{font-size:23px}
 .visual-rewrite-v4 .vr-read-route{gap:7px}
 .visual-rewrite-v4 .vr-read-route>span{flex-basis:100%}
 .visual-rewrite-v4 .vr-read-route a{font-size:13px;padding:10px}
}
@media print{.visual-rewrite-v4 .vr-calculation>summary{display:none}.visual-rewrite-v4 .vr-calculation::details-content{content-visibility:visible;display:block}.visual-rewrite-v4 .vr-diagram{break-inside:avoid}}

.visual-rewrite-v4 .vr-cards+.vr-equation{margin-top:20px!important}
.visual-rewrite-v4 .vr-funding{display:grid;gap:24px}
.visual-rewrite-v4 .vr-funding h3{font-size:16px!important;margin:0 0 10px!important;color:#183e49}
.visual-rewrite-v4 .vr-split{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.visual-rewrite-v4 .vr-split>span{display:block;background:#25746f;color:#fff;padding:16px 12px;font-size:13px;line-height:1.7;min-width:0}
.visual-rewrite-v4 .vr-split>span+span{background:#f0dfbc;color:#523e1f}
.visual-rewrite-v4 .vr-split>span:first-child strong{color:#fff}
.visual-rewrite-v4 .vr-split>span+span strong{color:#523e1f}
.visual-rewrite-v4 .vr-split strong{display:block;font-size:21px;white-space:nowrap}
@media(max-width:600px){.visual-rewrite-v4 .vr-split{grid-template-columns:1fr}.visual-rewrite-v4 .vr-split>span{flex:auto!important;display:flex;justify-content:space-between;align-items:center;gap:10px}.visual-rewrite-v4 .vr-split strong{font-size:20px}}

.visual-rewrite-v4 .vr-read-route{padding-top:0}
.visual-rewrite-v4 .vr-labels .vr-card strong{font-size:20px}

.visual-rewrite-v4 .vr-payment .vr-card strong{font-size:20px}
.visual-rewrite-v4 .vr-steps>li>div{min-width:0;flex:1}
.visual-rewrite-v4 .vr-chart+.vr-cards{margin-top:22px}
.visual-rewrite-v4 .vr-region>img{object-fit:contain;background:#edf1e9}