.elementor-7008 .elementor-element.elementor-element-62bf088c{--display:flex;overflow:visible;}.elementor-widget .tippy-tooltip .tippy-content{text-align:center;}/* Start custom CSS for html, class: .elementor-element-d2f520c *//* =========================================================
   VPCL Learning Center – Refinance Article 
========================================================= */

.vpcl-article.vpcl-refi-article{
  /* Brand */
  --gold:#c89c39;
  --gold-hover:#b0862f;

  /* Ink */
  --ink:#0b1220;
  --text:#374151;
  --muted:#6b7280;

  /* Surfaces */
  --bg:#ffffff;
  --soft:rgba(255,255,255,.86);

  /* Lines */
  --border:rgba(15,23,42,.10);
  --border-strong:rgba(15,23,42,.16);

  /* Radii */
  --radius-xl:22px;
  --radius-lg:18px;
  --radius-md:14px;

  /* Shadows */
  --shadow-sm:0 8px 18px rgba(15,23,42,.06);
  --shadow-md:0 14px 32px rgba(15,23,42,.10);
  --shadow-xl:0 20px 48px rgba(15,23,42,.14);

  /* Rhythm */
  --pad:clamp(12px, 2.2vw, 22px);
  --section:clamp(22px, 4vw, 38px);
  --stack:clamp(12px, 1.8vw, 16px);

  /* Readability */
  max-width:980px;
  margin:0 auto;
  padding:0 var(--pad);
  font-family:"Open Sans",sans-serif;
  color:var(--text);
  line-height:1.78;
  position:relative;
  isolation:isolate;

  /* Smooth typography */
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}

/* Soft ambient glow */
.vpcl-article.vpcl-refi-article::before{
  content:"";
  position:absolute;
  inset:-52px -18px auto -18px;
  height:440px;

  /* soften the “boxy” look */
  border-radius: 34px 34px 64px 64px;
  overflow:hidden;

  background:
    radial-gradient(760px 300px at 12% 14%, rgba(200,156,57,0.18), rgba(200,156,57,0) 62%),
    radial-gradient(620px 260px at 90% 26%, rgba(11,18,32,0.12), rgba(11,18,32,0) 62%);

  z-index:-1;
  pointer-events:none;

  /* prevents odd edge artifacts on some browsers */
  transform: translateZ(0);
}

/* ---------------------------------------------------------
   GLOBAL RESETS (safe within scope)
--------------------------------------------------------- */
.vpcl-refi-article *{ box-sizing:border-box; }
.vpcl-refi-article img{ max-width:100%; height:auto; display:block; }
.vpcl-refi-article figure{ margin:0; }
.vpcl-refi-article strong{ color:var(--ink); font-weight:700; }

/* Anchor offset for TOC jumps */
.vpcl-refi-article section,
.vpcl-refi-article [id]{
  scroll-margin-top: 110px;
}

/* ---------------------------------------------------------
   TYPE SYSTEM (clean hierarchy)
--------------------------------------------------------- */
.vpcl-refi-article h1,
.vpcl-refi-article h2,
.vpcl-refi-article h3,
.vpcl-refi-article .vpcl-h1,
.vpcl-refi-article .vpcl-h2,
.vpcl-refi-article .vpcl-h3{
  font-family:"Raleway",sans-serif;
  color:var(--ink);
  letter-spacing:-.02em;
  text-wrap:balance;
}

.vpcl-refi-article h1{
  font-size:clamp(34px, 4.9vw, 52px);
  line-height:1.08;
  margin:0 0 12px;
  font-weight:800;
}

.vpcl-refi-article h2,
.vpcl-refi-article .vpcl-h2{
  font-size:clamp(22px, 3vw, 32px);
  line-height:1.18;
  margin:0 0 10px;
  font-weight:800;
  letter-spacing:-.03em;
}

.vpcl-refi-article h3,
.vpcl-refi-article .vpcl-h3{
  font-size:clamp(17px, 1.9vw, 20px);
  line-height:1.32;
  margin:0 0 8px;
  font-weight:750;
}

.vpcl-refi-article p{
  font-size:clamp(16px, 1.25vw, 16.75px);
  line-height:1.78;
  margin:0 0 14px;
  color:var(--text);
  text-wrap:pretty;
}

.vpcl-refi-article .vpcl-sub{
  color:var(--muted);
  margin:0;
  font-size:clamp(15px, 1.18vw, 16px);
  line-height:1.7;
  max-width:78ch;
}

.vpcl-refi-article .vpcl-text{ margin:0 0 14px; }

.vpcl-refi-article .vpcl-micro{
  margin:10px 0 0;
  color:var(--muted);
  font-size:14px;
  line-height:1.6;
}

/* Reading measure */
.vpcl-refi-article p,
.vpcl-refi-article li{ max-width:74ch; }

/* Links */
.vpcl-refi-article a{
  color:var(--gold);
  text-decoration:none;
  font-weight:700;
}
.vpcl-refi-article a:hover{
  color:var(--gold-hover);
  text-decoration:underline;
}

/* Buttons never underline */
.vpcl-refi-article .vpcl-btn,
.vpcl-refi-article .vpcl-btn:hover,
.vpcl-refi-article .vpcl-btn:focus,
.vpcl-refi-article .vpcl-btn:active{
  text-decoration:none !important;
}

/* ---------------------------------------------------------
   HERO / SECTION FLOW (tightened)
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-hero{
  padding-top: clamp(6px, 1vw, 10px);
  padding-bottom: clamp(6px, 1vw, 10px);
}

.vpcl-refi-article .vpcl-section{
  padding:var(--section) 0;
  border-top:1px solid rgba(15,23,42,.08);
}

.vpcl-refi-article .vpcl-section:first-of-type{
  border-top:none;
  padding-top:14px;
}

/* Eyebrow */
.vpcl-refi-article .vpcl-eyebrow{
  font-size:13px;
  letter-spacing:.10em;
  text-transform:uppercase;
  color:var(--muted);
  margin:0 0 10px; /* tightened */
}

/* Lead */
.vpcl-refi-article .vpcl-lead{
  font-size:clamp(18px, 2.2vw, 20.5px);
  line-height:1.65;
  margin:0 0 12px; /* tightened */
  color:var(--text);
  max-width:80ch;
}

/* Section head spacing */
.vpcl-refi-article .vpcl-section-head{
  margin:0 0 18px;
}
.vpcl-refi-article .vpcl-section-head .vpcl-h2{ margin-bottom:8px; }

/* ---------------------------------------------------------
   BUTTONS
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 18px;
  border-radius:16px;
  font-weight:800;
  font-size:15px;
  letter-spacing:-.01em;
  transition:transform .14s ease, box-shadow .14s ease, background .14s ease, border-color .14s ease, color .14s ease;
  box-shadow:var(--shadow-sm);
  border:1px solid transparent;
  white-space:nowrap;
  gap:10px;
  line-height:1;
  will-change:transform;
}

.vpcl-refi-article .vpcl-btn:focus-visible{
  outline:3px solid rgba(200,156,57,.35);
  outline-offset:3px;
}

.vpcl-refi-article .vpcl-btn-primary{
  background:linear-gradient(180deg,#111827,#0b1220);
  color:#fff;
}

.vpcl-refi-article .vpcl-btn-secondary{
  background:rgba(255,255,255,.94);
  border-color:var(--border-strong);
  color:var(--ink);
  backdrop-filter:blur(10px);
}

.vpcl-refi-article .vpcl-btn-tertiary{
  background:linear-gradient(180deg,#fff7e6,#fffdf7);
  border-color:rgba(200,156,57,.55);
  color:var(--ink);
}

.vpcl-refi-article .vpcl-btn-ghost{
  background:transparent;
  border-color:rgba(15,23,42,.12);
  color:var(--ink);
}

.vpcl-refi-article .vpcl-btn:hover{
  transform:translateY(-1px);
  box-shadow:var(--shadow-md);
}

/* CTA row (tightened) */
.vpcl-refi-article .vpcl-cta-row{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin:14px 0 10px; /* tightened */
}

/* ---------------------------------------------------------
   SCROLL HINT (subtle animation)
--------------------------------------------------------- */
@keyframes vpcl-nudge{
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(2px); }
}
@keyframes vpcl-pulse{
  0%, 100% { transform: scale(1); opacity: 1; }
  50%      { transform: scale(1.08); opacity: .92; }
}

.vpcl-refi-article .vpcl-scroll-hint{
  display:inline-flex;
  align-items:center;
  gap:10px;
  margin:8px 0 16px; /* tightened */
  padding:8px 12px;
  border-radius:999px;
  border:1px solid rgba(15,23,42,.10);
  background:rgba(255,255,255,.70);
  backdrop-filter:blur(10px);
  color:var(--muted);
  box-shadow:0 10px 24px rgba(15,23,42,.06);
  will-change:transform;
  animation: vpcl-nudge 2.4s ease-in-out infinite;
}

.vpcl-refi-article .vpcl-scroll-dot{
  width:10px;
  height:10px;
  border-radius:999px;
  background:rgba(200,156,57,.95);
  box-shadow:0 0 0 6px rgba(200,156,57,.12);
  will-change:transform;
  animation: vpcl-pulse 2.1s ease-in-out infinite;
}

.vpcl-refi-article .vpcl-scroll-text{
  font-size:13px;
  font-weight:800;
}

/* ---------------------------------------------------------
   HERO TILES (float-in + refined hover)
--------------------------------------------------------- */
@keyframes vpcl-float-in{
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.vpcl-refi-article .vpcl-tiles{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:12px;
  margin:4px 0 22px; /* tightened */
}

.vpcl-refi-article .vpcl-tile{
  padding:14px;
  border-radius:18px;
  border:1px solid rgba(15,23,42,.10);
  background:rgba(255,255,255,.84);
  backdrop-filter:blur(10px);
  box-shadow:var(--shadow-sm);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  will-change:transform;
  animation: vpcl-float-in .45s ease-out both;
}

.vpcl-refi-article .vpcl-tile:nth-child(1){ animation-delay: .04s; }
.vpcl-refi-article .vpcl-tile:nth-child(2){ animation-delay: .08s; }
.vpcl-refi-article .vpcl-tile:nth-child(3){ animation-delay: .12s; }
.vpcl-refi-article .vpcl-tile:nth-child(4){ animation-delay: .16s; }

.vpcl-refi-article .vpcl-tile:hover{
  transform:translateY(-3px);
  box-shadow:var(--shadow-md);
  border-color:rgba(200,156,57,.24);
}

.vpcl-refi-article .vpcl-tile-title{
  margin:0 0 6px;
  font-weight:800;
  font-size:14px;
  color:var(--ink);
}
.vpcl-refi-article .vpcl-tile-text{
  margin:0;
  font-size:13.75px;
  line-height:1.55;
  color:var(--muted);
  max-width:none;
}

/* ---------------------------------------------------------
   IMAGE BREAK
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-article-image-break{
  max-width:760px;
  margin:34px auto 42px;
}
.vpcl-refi-article .vpcl-article-image-break figure{
  border-radius:var(--radius-xl);
  overflow:hidden;
  border:1px solid var(--border);
  box-shadow:var(--shadow-xl);
  position:relative;
  background:rgba(255,255,255,.92);
}
.vpcl-refi-article .vpcl-article-image-break figure::before{
  content:"";
  position:absolute;
  inset:-2px;
  border-radius:inherit;
  background:linear-gradient(
    135deg,
    rgba(200,156,57,.55),
    rgba(176,134,47,.20),
    rgba(18,24,38,.18)
  );
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);
  -webkit-mask-composite:xor;
  mask-composite:exclude;
  opacity:.8;
  pointer-events:none;
}
.vpcl-refi-article .vpcl-article-image-break img{ transform:scale(1.001); }
.vpcl-refi-article .vpcl-article-image-break figcaption{
  padding:12px 14px;
  font-size:14px;
  color:var(--muted);
  background:linear-gradient(180deg,rgba(255,255,255,.92),rgba(0,0,0,.03));
}

/* ---------------------------------------------------------
   TOC
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-toc{
  margin:0 auto 6px;
  padding:16px;
  border:1px solid rgba(15,23,42,.10);
  border-radius:var(--radius-xl);
  background:rgba(255,255,255,.76);
  backdrop-filter:blur(10px);
  box-shadow:var(--shadow-sm);
}

/* TOC buttons should never underline */
.vpcl-refi-article .vpcl-toc a,
.vpcl-refi-article .vpcl-toc a:hover,
.vpcl-refi-article .vpcl-toc a:focus,
.vpcl-refi-article .vpcl-toc a:active{
  text-decoration:none !important;
}


.vpcl-refi-article .vpcl-toc-title{
  margin:0 0 10px;
  font-weight:800;
  font-size:14px;
  color:var(--ink);
}

.vpcl-refi-article .vpcl-toc-links{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}

.vpcl-refi-article .vpcl-chip{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:9px 12px;
  border-radius:999px;
  border:1px solid rgba(15,23,42,.12);
  background:rgba(255,255,255,.92);
  color:var(--ink);
  font-weight:800;
  font-size:13px;
  text-decoration:none;
  transition:transform .12s ease, box-shadow .12s ease, border-color .12s ease, color .12s ease;
  box-shadow:0 8px 18px rgba(15,23,42,.06);
}
.vpcl-refi-article .vpcl-chip:hover{
  text-decoration:none;
  transform:translateY(-1px);
  border-color:rgba(200,156,57,.30);
  color:var(--gold-hover);
  box-shadow:0 10px 22px rgba(15,23,42,.08);
}

/* ---------------------------------------------------------
   CALLOUTS
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-callout{
  background:linear-gradient(180deg,#fffdf7,#ffffff);
  border:1px solid rgba(15,23,42,.10);
  border-left:4px solid var(--gold);
  border-radius:var(--radius-xl);
  padding:18px;
  box-shadow:var(--shadow-md);
  position:relative;
}
.vpcl-refi-article .vpcl-callout::after{
  content:"";
  position:absolute;
  inset:auto 16px 14px 16px;
  height:1px;
  background:linear-gradient(90deg, rgba(200,156,57,.26), rgba(15,23,42,0));
  opacity:.85;
}
.vpcl-refi-article .vpcl-inline-cta{
  margin-top:14px;
  font-weight:800;
}

/* ---------------------------------------------------------
   ✅ FIXED LISTS (Bullets + Checklist)
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-bullets,
.vpcl-refi-article .vpcl-list{
  list-style:none;
  padding:0;
  margin:16px 0 0;
}

.vpcl-refi-article .vpcl-bullets li{
  display:block;
  position:relative;
  padding-left:26px;
  margin:0 0 10px;
}
.vpcl-refi-article .vpcl-bullets li::before{
  content:"";
  position:absolute;
  left:0;
  top:.76em;
  width:8px;
  height:8px;
  border-radius:50%;
  background:var(--gold);
  box-shadow:0 0 0 4px rgba(200,156,57,.12);
}

.vpcl-refi-article .vpcl-bullets-compact{ margin-top:12px; }
.vpcl-refi-article .vpcl-bullets-compact li{ margin-bottom:8px; }

.vpcl-refi-article .vpcl-list li{
  display:block;
  position:relative;
  padding-left:34px;
  margin:0 0 10px;
}
.vpcl-refi-article .vpcl-list-check li::before{
  content:"✓";
  position:absolute;
  left:0;
  top:7px;
  width:22px;
  height:22px;
  border-radius:999px;
  background:linear-gradient(180deg,#fff7e6,#fffdf7);
  border:1px solid rgba(200,156,57,.55);
  display:flex;
  align-items:center;
  justify-content:center;
  font-size:12px;
  font-weight:900;
  color:var(--ink);
  box-shadow:0 10px 22px rgba(15,23,42,.08);
}

/* ---------------------------------------------------------
   OPTION CARDS
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-cards{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
  margin-top:14px;
}

.vpcl-refi-article .vpcl-card{
  background:#fff;
  border:1px solid rgba(15,23,42,.10);
  border-radius:var(--radius-xl);
  padding:18px;
  box-shadow:var(--shadow-md);
  transition:transform .14s ease, box-shadow .14s ease, border-color .14s ease;
  position:relative;
  overflow:hidden;
}
.vpcl-refi-article .vpcl-card::before{
  content:"";
  position:absolute;
  inset:0 auto auto 0;
  width:100%;
  height:3px;
  background:linear-gradient(90deg, rgba(200,156,57,.85), rgba(176,134,47,.20), rgba(15,23,42,.10));
  opacity:.65;
}
.vpcl-refi-article .vpcl-card:hover{
  transform:translateY(-2px);
  box-shadow:var(--shadow-xl);
  border-color:rgba(200,156,57,.22);
}
.vpcl-refi-article .vpcl-card-featured{
  background:
    radial-gradient(650px 240px at 22% 10%, rgba(200,156,57,.18), transparent 62%),
    #fff;
  border-color:rgba(200,156,57,.32);
}

/* Card internals */
.vpcl-refi-article .vpcl-card-kicker{
  margin:0 0 6px;
  font-size:12px;
  letter-spacing:.10em;
  text-transform:uppercase;
  color:var(--muted);
  font-weight:800;
}
.vpcl-refi-article .vpcl-card-title{
  margin:0 0 8px;
  font-weight:800;
  letter-spacing:-.02em;
}
.vpcl-refi-article .vpcl-card-text{ margin:0 0 10px; }
.vpcl-refi-article .vpcl-card-cta{ margin-top:12px; }
.vpcl-refi-article .vpcl-card-cta-roomy{ margin-top:14px; }

/* ---------------------------------------------------------
   SPLIT LAYOUT (Benefits section)
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-split{
  display:grid;
  grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);
  gap:16px;
  align-items:start;
  margin-top:12px;
}

.vpcl-refi-article .vpcl-split-main,
.vpcl-refi-article .vpcl-split-side{ min-width:0; }

/* Action bar */
.vpcl-refi-article .vpcl-action-bar{
  margin-top:16px;
  padding:16px;
  border-radius:var(--radius-xl);
  border:1px solid rgba(15,23,42,.10);
  background:rgba(255,255,255,.78);
  backdrop-filter:blur(10px);
  box-shadow:var(--shadow-md);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
}

.vpcl-refi-article .vpcl-action-title{
  margin:0 0 4px;
  font-weight:800;
  color:var(--ink);
  font-family:"Raleway",sans-serif;
}
.vpcl-refi-article .vpcl-action-text{
  margin:0;
  color:var(--muted);
  font-size:14.5px;
  line-height:1.6;
}

/* Glass side module */
.vpcl-refi-article .vpcl-glass{
  padding:18px;
  border-radius:var(--radius-xl);
  border:1px solid rgba(15,23,42,.10);
  background:rgba(255,255,255,.74);
  backdrop-filter:blur(10px);
  box-shadow:var(--shadow-md);
  position:sticky;
  top:14px;
}

/* ---------------------------------------------------------
   TWO COL PANELS
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-two-col{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
  margin-top:14px;
}

.vpcl-refi-article .vpcl-panel{
  padding:18px;
  border-radius:var(--radius-xl);
  border:1px solid rgba(15,23,42,.10);
  background:#fff;
  box-shadow:var(--shadow-md);
}
.vpcl-refi-article .vpcl-panel-muted{
  background:linear-gradient(180deg, rgba(255,247,230,.55), rgba(255,255,255,1));
  border-color:rgba(200,156,57,.24);
}

/* ---------------------------------------------------------
   STEPS
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-steps{
  list-style:none;
  padding:0;
  margin:18px 0 0;
}

.vpcl-refi-article .vpcl-step{
  display:flex;
  gap:16px;
  align-items:flex-start;
  padding:18px;
  border-radius:var(--radius-xl);
  border:1px solid rgba(15,23,42,.10);
  background:rgba(255,255,255,.94);
  box-shadow:var(--shadow-md);
  margin-bottom:12px;
  transition:transform .14s ease, box-shadow .14s ease, border-color .14s ease;
}
.vpcl-refi-article .vpcl-step:hover{
  transform:translateY(-1px);
  box-shadow:var(--shadow-xl);
  border-color:rgba(200,156,57,.22);
}

.vpcl-refi-article .vpcl-step-num{
  width:40px;
  height:40px;
  border-radius:14px;
  background:rgba(255,247,230,.78);
  border:1px solid rgba(200,156,57,.45);
  display:flex;
  align-items:center;
  justify-content:center;
  font-family:"Raleway",sans-serif;
  font-weight:800;
  font-size:14px;
  color:var(--ink);
  flex-shrink:0;
  margin-top:2px;
  box-shadow:0 10px 22px rgba(15,23,42,.08);
}

.vpcl-refi-article .vpcl-step-title{ margin:0 0 8px; font-weight:800; }

.vpcl-refi-article .vpcl-step-body{
  padding-top:8px;
}

/* ---------------------------------------------------------
   FAQ
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-faq{ margin-top:14px; }

.vpcl-refi-article .vpcl-faq-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:12px;
  margin-top:14px;
}

.vpcl-refi-article .vpcl-accordion{
  border:1px solid rgba(15,23,42,.10);
  border-radius:var(--radius-xl);
  padding:0;
  background:#fff;
  box-shadow:var(--shadow-md);
  overflow:hidden;
}

.vpcl-refi-article .vpcl-accordion-title{
  cursor:pointer;
  font-weight:800;
  font-size:15px;
  padding:14px 16px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  color:var(--ink);
  list-style:none;
}
.vpcl-refi-article .vpcl-accordion-title::-webkit-details-marker{ display:none; }

.vpcl-refi-article .vpcl-accordion-title::after{
  content:"+";
  width:30px;
  height:30px;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight:900;
  background:linear-gradient(180deg,#fff7e6,#fffdf7);
  border:1px solid rgba(200,156,57,.55);
  color:var(--ink);
  flex-shrink:0;
}
.vpcl-refi-article details[open] .vpcl-accordion-title::after{ content:"–"; }

.vpcl-refi-article .vpcl-accordion-body{
  padding:12px 16px 16px;
  border-top:1px solid rgba(15,23,42,.08);
}

.vpcl-refi-article .vpcl-accordion-title:focus-visible{
  outline:3px solid rgba(200,156,57,.32);
  outline-offset:3px;
  border-radius:14px;
}

/* ---------------------------------------------------------
   FINAL CTA
--------------------------------------------------------- */
.vpcl-refi-article .vpcl-final-cta{
  padding-top:calc(var(--section) + 6px);
}

.vpcl-refi-article .vpcl-final-box{
  border-radius:var(--radius-xl);
  border:1px solid rgba(15,23,42,.10);
  background:
    radial-gradient(720px 260px at 18% 18%, rgba(200,156,57,.16), transparent 62%),
    linear-gradient(180deg, rgba(255,255,255,.92), rgba(255,255,255,.98));
  box-shadow:var(--shadow-xl);
  padding:clamp(18px, 2.8vw, 28px);
}

.vpcl-refi-article .vpcl-disclaimer{
  margin:14px 0 0;
  padding-top:12px;
  border-top:1px solid rgba(15,23,42,.08);
  color:var(--muted);
  font-size:13.5px;
  line-height:1.65;
}

/* ---------------------------------------------------------
   RESPONSIVE
--------------------------------------------------------- */
@media (max-width: 980px){
  .vpcl-article.vpcl-refi-article{ padding:0 10px; }
}

@media (max-width: 960px){
  .vpcl-refi-article .vpcl-tiles{ grid-template-columns:repeat(2,minmax(0,1fr)); }
  .vpcl-refi-article .vpcl-cards{ grid-template-columns:1fr; }
  .vpcl-refi-article .vpcl-split{ grid-template-columns:1fr; }
  .vpcl-refi-article .vpcl-glass{ position:relative; top:auto; }
  .vpcl-refi-article .vpcl-faq-grid{ grid-template-columns:1fr; }
  .vpcl-refi-article .vpcl-two-col{ grid-template-columns:1fr; }
}

@media (max-width: 720px){
  .vpcl-refi-article .vpcl-cta-row{ gap:8px; }
  .vpcl-refi-article .vpcl-btn{ width:100%; }

  /* keep hero tight on mobile */
  .vpcl-refi-article .vpcl-eyebrow{ margin-bottom:8px; }
  .vpcl-refi-article .vpcl-lead{ margin-bottom:10px; }
  .vpcl-refi-article .vpcl-cta-row{ margin:12px 0 10px; }
  .vpcl-refi-article .vpcl-scroll-hint{ margin:8px 0 14px; }
  .vpcl-refi-article .vpcl-tiles{ margin:4px 0 18px; }

  .vpcl-refi-article .vpcl-action-bar{
    flex-direction:column;
    align-items:stretch;
  }
  .vpcl-refi-article .vpcl-step{ padding:16px; }
  .vpcl-refi-article .vpcl-step-body{ padding-top:4px; }
    /* ✅ Fix step number alignment on mobile (1-line vs 2-line titles) */
  .vpcl-refi-article .vpcl-step{
    align-items:flex-start; /* keep number anchored to top */
  }

  .vpcl-refi-article .vpcl-step-num{
    margin-top:6px; /* nudges number down to match 1-line titles */
  }

  .vpcl-refi-article .vpcl-step-title{
    margin-top:2px;
    margin-bottom:8px;
    line-height:1.35;
  }
}

/* Motion safety */
@media (prefers-reduced-motion: reduce){
  .vpcl-refi-article .vpcl-btn,
  .vpcl-refi-article .vpcl-card,
  .vpcl-refi-article .vpcl-step,
  .vpcl-refi-article .vpcl-tile,
  .vpcl-refi-article .vpcl-chip{
    transition:none;
  }

  /* stop the subtle animations too */
  .vpcl-refi-article .vpcl-scroll-hint,
  .vpcl-refi-article .vpcl-scroll-dot,
  .vpcl-refi-article .vpcl-tile{
    animation:none !important;
  }
}/* End custom CSS */