@font-face {
  font-family: Manrope;
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url("../fonts/manrope-latin-400.woff2") format("woff2");
}

@font-face {
  font-family: Manrope;
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url("../fonts/manrope-latin-500.woff2") format("woff2");
}

@font-face {
  font-family: Manrope;
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url("../fonts/manrope-latin-600.woff2") format("woff2");
}

@font-face {
  font-family: Manrope;
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url("../fonts/manrope-latin-700.woff2") format("woff2");
}

:root {
  --bg: #f7fafc;
  --surface: #ffffff;
  --ink: #17212b;
  --accent: #4bae50;
  --navy: #173b57;
  --navy-dark: #122f45;
  --navy-light: #215275;
  --muted: #64748b;
  --line: #e2e8f0;
  --danger: #b42318;
  --font: Manrope, ui-sans-serif, system-ui, sans-serif;
  --radius-sm: 6px;
  --radius-md: 8px;
  --container: 72rem;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body.afh-body {
  margin: 0;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
}

:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 3px;
}

a {
  color: inherit;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -3rem;
  z-index: 100;
  border-radius: var(--radius-sm);
  background: var(--navy);
  color: #fff;
  padding: 0.5rem 0.75rem;
  text-decoration: none;
}

.skip-link:focus {
  top: 1rem;
}

.afh-wrap {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1rem;
}

@media (min-width: 640px) {
  .afh-wrap {
    padding: 0 1.5rem;
  }
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}

.site-header__bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  height: 64px;
}

.afh-logo {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  color: var(--navy);
  text-decoration: none;
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: -0.02em;
}

.afh-logo svg {
  display: block;
  width: 36px;
  height: 36px;
}

.afh-nav {
  display: none;
  align-items: center;
  gap: 1.75rem;
}

.afh-nav a {
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 500;
}

.afh-nav a:hover {
  color: var(--navy);
}

.afh-nav-item {
  position: relative;
}

.afh-nav-drop {
  display: none;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  min-width: 12rem;
  padding: 0.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--surface);
  box-shadow: 0 10px 24px rgba(23, 59, 87, 0.08);
}

.afh-nav-item:hover .afh-nav-drop,
.afh-nav-item:focus-within .afh-nav-drop {
  display: block;
}

.afh-nav-drop a {
  display: block;
  padding: 0.55rem 0.75rem;
  border-radius: 0.3rem;
  white-space: nowrap;
}

.afh-nav-drop a:hover {
  background: var(--bg);
}

.afh-btn--light {
  background: #fff;
  color: var(--navy);
}

.afh-btn--light:hover {
  background: var(--bg);
}

.afh-cat {
  margin: 0 0 2.5rem;
}

.afh-cat h2 {
  margin-bottom: 1rem;
}

.afh-popular-note,
.afh-view-all {
  margin: 0.75rem 0 0;
}

.afh-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1rem;
}

.afh-header-cta {
  display: none;
}

.afh-nav-mobile {
  position: relative;
}

.afh-nav-mobile summary {
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  color: var(--navy);
  cursor: pointer;
}

.afh-nav-mobile summary::-webkit-details-marker {
  display: none;
}

.afh-nav-mobile__panel {
  position: absolute;
  right: 0;
  top: 48px;
  width: 14rem;
  padding: 0.75rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--surface);
  box-shadow: 0 8px 24px rgba(23, 59, 87, 0.08);
}

.afh-nav-mobile__panel a {
  display: block;
  padding: 0.75rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  font-weight: 500;
}

.afh-nav-mobile__panel a:hover {
  background: var(--bg);
}

@media (min-width: 768px) {
  .afh-nav,
  .afh-header-cta {
    display: flex;
  }

  .afh-nav-mobile {
    display: none;
  }
}

.afh-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 44px;
  padding: 0 1.25rem;
  border-radius: var(--radius-sm);
  border: 1px solid var(--navy);
  background: var(--navy);
  color: #fff;
  font: inherit;
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
}

.afh-btn:hover {
  background: var(--navy-dark);
}

.afh-btn--lg {
  min-height: 48px;
  padding: 0 1.5rem;
  font-size: 1rem;
}

.afh-btn--secondary {
  background: #fff;
  color: var(--navy);
}

.afh-btn--secondary:hover {
  background: var(--bg);
}

.afh-btn--block {
  width: 100%;
}

main#main {
  flex: 1;
}

.afh-hero {
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}

.afh-hero__grid {
  display: grid;
  gap: 2.5rem;
  padding: 3rem 0;
  align-items: center;
}

@media (min-width: 1024px) {
  .afh-hero__grid {
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    padding: 4rem 0;
  }
}

.afh-kicker {
  margin: 0;
  color: var(--accent);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.afh-hero h1,
.afh-page h1,
.afh-404 h1 {
  margin: 0.75rem 0 0;
  color: var(--navy);
  font-size: clamp(1.875rem, 4vw, 3rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.12;
}

.afh-lead {
  margin: 1rem 0 0;
  max-width: 36rem;
  color: var(--muted);
  font-size: 1.125rem;
  line-height: 1.75;
}

.afh-hero__note {
  margin: 0.75rem 0 0;
  max-width: 36rem;
}

.afh-hero__actions {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-top: 2rem;
}

@media (min-width: 640px) {
  .afh-hero__actions {
    flex-direction: row;
  }
}

.afh-hero__meta {
  margin: 1.5rem 0 0;
  color: var(--muted);
  font-size: 0.875rem;
}

.afh-example {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--bg);
  padding: 1.5rem;
}

.afh-example p {
  margin: 0;
}

.afh-example__label {
  color: var(--muted);
  font-size: 0.875rem;
  font-weight: 500;
}

.afh-example__sub {
  margin-top: 1rem;
}

.afh-example__value {
  margin-top: 0.5rem;
  color: var(--navy);
  font-size: 1.875rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1.15;
}

.afh-example__caption,
.afh-example__fine {
  margin-top: 0.25rem;
  color: var(--muted);
  font-size: 0.875rem;
}

.afh-example__fine {
  margin-top: 1rem;
  font-size: 0.75rem;
  line-height: 1.5;
}

.afh-example a {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-top: 1.25rem;
  color: var(--navy);
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
}

.afh-example a:hover {
  text-decoration: underline;
}

.afh-section {
  padding: 3.5rem 0;
}

.afh-section--white {
  background: var(--surface);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.afh-section h2,
.afh-block h2 {
  margin: 0;
  color: var(--navy);
  font-size: clamp(1.5rem, 3vw, 1.875rem);
  font-weight: 700;
  line-height: 1.2;
}

.afh-section > .afh-wrap > p,
.afh-intro {
  margin: 0.75rem 0 0;
  max-width: 42rem;
  color: var(--muted);
}

.afh-grid-4,
.afh-grid-3,
.afh-grid-2,
.afh-cards {
  display: grid;
  gap: 1.25rem;
  margin-top: 2rem;
}

@media (min-width: 640px) {
  .afh-grid-4,
  .afh-grid-2,
  .afh-calcs {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 768px) {
  .afh-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (min-width: 1024px) {
  .afh-grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }

  .afh-calcs {
    grid-template-columns: repeat(3, 1fr);
  }
}

.afh-card,
.afh-reason,
.afh-step {
  display: flex;
  flex-direction: column;
  height: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 1.25rem;
}

.afh-reason {
  background: var(--bg);
}

.afh-card h3,
.afh-reason h3,
.afh-step h3 {
  margin: 1rem 0 0;
  font-size: 1.125rem;
  font-weight: 600;
}

.afh-card p,
.afh-reason p,
.afh-step p {
  margin: 0.5rem 0 0;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.6;
}

.afh-card p {
  flex: 1 1 auto;
}

.afh-card .afh-btn {
  width: 100%;
  margin-top: 1.25rem;
}

.afh-card p {
  flex: 1 1 auto;
}

.afh-card .afh-btn {
  width: 100%;
  margin-top: 1.25rem;
}

.afh-card h3 a,
.afh-resource-link h3,
.afh-resource-link {
  color: var(--ink);
  text-decoration: none;
}

.afh-card h3 a:hover {
  color: var(--navy);
}

.afh-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--bg);
  color: var(--navy);
}

.afh-icon svg {
  width: 20px;
  height: 20px;
}

.afh-step-num {
  margin: 0;
  color: var(--accent);
  font-size: 0.875rem;
  font-weight: 600;
}

.afh-resource-link {
  display: block;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 1.25rem;
  text-decoration: none;
}

.afh-resource-link:hover {
  border-color: var(--navy);
}

.afh-resource-link p {
  margin: 0.5rem 0 0;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.6;
}

.afh-resource-link .afh-mins {
  margin-top: 0.75rem;
  color: var(--navy);
  font-size: 0.875rem;
  font-weight: 500;
}

.afh-cta {
  border-radius: var(--radius-md);
  background: var(--navy);
  color: #fff;
  padding: 2.5rem 1.5rem;
}

@media (min-width: 640px) {
  .afh-cta {
    padding: 2.5rem;
  }
}

.afh-cta h2 {
  color: #fff;
}

.afh-cta p {
  margin: 0.5rem 0 0;
  max-width: 36rem;
  color: rgba(255, 255, 255, 0.8);
}

.afh-cta .afh-btn {
  margin-top: 1.5rem;
}

.afh-page {
  padding: 2.5rem 0 4rem;
}

.afh-page--narrow,
.afh-404 {
  max-width: 48rem;
}

.afh-page--calc {
  max-width: 56rem;
  margin: 0 auto;
}

.afh-crumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0;
  padding: 0;
  list-style: none;
  font-size: 0.875rem;
  color: var(--muted);
}

.afh-crumbs a {
  color: var(--muted);
  text-decoration: none;
}

.afh-crumbs a:hover {
  color: var(--navy);
  text-decoration: underline;
}

.afh-page .afh-lead,
.afh-page > p.afh-intro {
  margin-top: 0.75rem;
}

.article-prose {
  margin-top: 1.5rem;
  color: var(--ink);
  font-size: 1.0625rem;
  line-height: 1.75;
}

.article-prose h2 {
  margin: 2.25rem 0 0.75rem;
  color: var(--navy);
  font-size: 1.5rem;
  line-height: 1.3;
  font-weight: 700;
}

.article-prose h3 {
  margin: 1.5rem 0 0.5rem;
  color: var(--navy);
  font-size: 1.125rem;
  font-weight: 700;
}

.article-prose p,
.article-prose ul {
  margin: 0 0 1rem;
}

.article-prose ul {
  padding-left: 1.25rem;
}

.article-prose li {
  margin-bottom: 0.4rem;
}

.article-prose a {
  color: var(--navy);
  text-underline-offset: 3px;
}

.article-prose a:hover {
  color: var(--navy-light);
}

.afh-faq {
  margin-top: 3rem;
}

.afh-faq h2,
.afh-related h2,
.afh-how h2 {
  font-size: 1.25rem;
}

.afh-faq-list {
  margin-top: 1rem;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.afh-faq-list details {
  border-bottom: 1px solid var(--line);
  padding: 0.75rem 0;
}

.afh-faq-list details:last-child {
  border-bottom: 0;
}

.afh-faq-list summary {
  cursor: pointer;
  font-weight: 500;
  padding: 0.25rem 2rem 0.25rem 0;
}

.afh-faq-list p {
  margin: 0.5rem 0 0;
  max-width: 48rem;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.6;
}

.afh-how,
.afh-assumptions,
.afh-example-copy,
.afh-related,
.afh-disclaimer,
.afh-related-box {
  margin-top: 2.5rem;
}

.afh-how ol,
.afh-assumptions ul {
  margin: 1rem 0 0;
  padding-left: 1.25rem;
  font-size: 0.875rem;
  line-height: 1.6;
}

.afh-how li,
.afh-assumptions li {
  margin-bottom: 0.5rem;
}

.afh-related ul {
  display: grid;
  gap: 1rem;
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
}

@media (min-width: 640px) {
  .afh-related ul {
    grid-template-columns: 1fr 1fr;
  }
}

.afh-related a {
  display: block;
  height: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 1rem;
  text-decoration: none;
}

.afh-related a:hover {
  border-color: var(--navy);
}

.afh-related strong {
  display: block;
}

.afh-related span {
  display: block;
  margin-top: 0.25rem;
  color: var(--muted);
  font-size: 0.875rem;
}

.afh-related-all {
  margin-top: 1rem;
}

.afh-related-all a,
.afh-inline-link {
  color: var(--navy);
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
}

.afh-related-all a:hover,
.afh-inline-link:hover {
  text-decoration: underline;
}

.afh-disclaimer {
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--bg);
  padding: 1rem;
  color: var(--muted);
  font-size: 0.875rem;
  line-height: 1.6;
}

.afh-disclaimer strong {
  color: var(--ink);
}

.afh-related-box {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 1.25rem;
}

.afh-related-box p {
  margin: 0.25rem 0 0;
  color: var(--muted);
  font-size: 0.875rem;
}

.afh-related-box .afh-btn {
  margin-top: 1rem;
}

.afh-form {
  display: grid;
  gap: 1rem;
  margin-top: 2rem;
}

.afh-form label {
  display: block;
  margin-bottom: 0.35rem;
  font-size: 0.875rem;
  font-weight: 500;
}

.afh-form input,
.afh-form textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.75rem;
  font: inherit;
  background: #fff;
}

.afh-form input {
  height: 48px;
}

.afh-hp {
  position: absolute;
  left: -9999px;
  height: 0;
  overflow: hidden;
}

.afh-form-status {
  margin: 0;
  font-size: 0.875rem;
}

.afh-form-status--ok {
  color: #3d9342;
}

.afh-form-status--err {
  color: var(--danger);
}

.afh-404 {
  margin: 0 auto;
  padding: 5rem 0;
  text-align: center;
}

.afh-404 .afh-kicker {
  font-weight: 600;
}

.afh-404 .afh-lead {
  margin-left: auto;
  margin-right: auto;
}

.afh-404__actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  margin-top: 2rem;
}

@media (min-width: 640px) {
  .afh-404__actions {
    flex-direction: row;
  }
}

.site-footer {
  margin-top: auto;
  border-top: 1px solid var(--line);
  background: var(--navy);
  color: #fff;
}

.site-footer__grid {
  display: grid;
  gap: 2.5rem;
  padding: 3rem 0;
}

@media (min-width: 640px) {
  .site-footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 1024px) {
  .site-footer__grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.site-footer .afh-logo {
  color: #fff;
}

.site-footer p {
  margin: 1rem 0 0;
  max-width: 20rem;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.875rem;
  line-height: 1.6;
}

.site-footer h2 {
  margin: 0;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.site-footer ul {
  margin: 0.75rem 0 0;
  padding: 0;
  list-style: none;
  font-size: 0.875rem;
}

.site-footer li + li {
  margin-top: 0.5rem;
}

.site-footer a {
  color: #fff;
  text-decoration: none;
}

.site-footer a:hover {
  text-decoration: underline;
}

.site-footer__legal {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.site-footer__legal .afh-wrap {
  padding-top: 1.5rem;
  padding-bottom: 1.5rem;
}

.site-footer__legal p {
  max-width: 56rem;
  margin: 0;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.75rem;
  line-height: 1.5;
}

.site-footer__copy {
  margin-top: 0.75rem !important;
  color: rgba(255, 255, 255, 0.5) !important;
}

.afh-calc {
  margin-top: 2rem;
}

.afh-page--directory {
  max-width: 80rem;
}

.afh-dir-bar {
  margin-top: 1.25rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 0.9rem;
}

.afh-dir-bar__fields {
  display: grid;
  gap: 0.65rem;
  grid-template-columns: 1fr;
}

.afh-dir-field {
  display: grid;
  gap: 0.3rem;
  margin: 0;
  min-width: 0;
}

.afh-dir-field span {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--muted);
}

.afh-dir-field input,
.afh-dir-field select {
  width: 100%;
  height: 42px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0 0.7rem;
  font: inherit;
  background: #fff;
  color: var(--ink);
}

.afh-dir-field--go {
  display: flex;
  align-items: flex-end;
}

.afh-dir-field--go .afh-btn {
  width: 100%;
  height: 42px;
}

.afh-dir-bar__checks {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem 1.1rem;
  margin-top: 0.75rem;
  padding-top: 0.75rem;
  border-top: 1px solid var(--line);
}

.afh-dir-check {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin: 0;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--ink);
}

.afh-dir-check input {
  margin: 0;
}

.afh-dir-reset {
  margin-left: auto;
  font-size: 0.8125rem;
  color: var(--muted);
}

.afh-dir-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 0.35rem 1.25rem;
  margin: 1rem 0;
}

.afh-dir-count,
.afh-dir-source {
  margin: 0;
  font-size: 0.8125rem;
  color: var(--muted);
  line-height: 1.5;
}

.afh-dir-count {
  font-size: 0.9375rem;
  color: var(--ink);
  font-weight: 600;
}

.afh-dir-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 640px) {
  .afh-dir-bar__fields {
    grid-template-columns: 1fr 1fr;
  }

  .afh-dir-field--q,
  .afh-dir-field--go {
    grid-column: 1 / -1;
  }

  .afh-dir-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 1080px) {
  .afh-dir-bar__fields {
    grid-template-columns: minmax(13rem, 1.7fr) minmax(8rem, 0.9fr) minmax(8rem, 0.9fr) 7.25rem minmax(9rem, 1fr) auto;
    align-items: end;
  }

  .afh-dir-field--q,
  .afh-dir-field--go {
    grid-column: auto;
  }

  .afh-dir-field--go .afh-btn {
    width: auto;
    min-width: 6.5rem;
    padding-left: 1.1rem;
    padding-right: 1.1rem;
  }

  .afh-dir-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.afh-dir-card,
.afh-dir-detail {
  display: flex;
  flex-direction: column;
  height: 100%;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 1.05rem 1.1rem 1.1rem;
}

.afh-dir-card h3,
.afh-dir-detail h2 {
  margin: 0.25rem 0 0.5rem;
  font-size: 1.125rem;
}

.afh-dir-card h3 a {
  color: inherit;
  text-decoration: none;
}

.afh-dir-card h3 a:hover {
  color: var(--navy);
}

.afh-dir-card p,
.afh-dir-detail > p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9375rem;
  line-height: 1.5;
}

.afh-dir-card__meta {
  margin: 0;
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.afh-dir-facts {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1rem;
  margin: 0.75rem 0 0;
  padding: 0;
  list-style: none;
  color: var(--ink);
  font-size: 0.875rem;
}

.afh-dir-facts a {
  color: var(--navy);
}

.afh-dir-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-top: 0.85rem;
}

.afh-dir-tag {
  display: inline-flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--bg);
  padding: 0.2rem 0.6rem;
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 600;
}

.afh-dir-tag--yes {
  border-color: rgba(75, 174, 80, 0.35);
  background: rgba(75, 174, 80, 0.12);
  color: #2f6f34;
}

.afh-dir-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: auto;
  padding-top: 1rem;
}

.afh-dir-actions .afh-btn {
  width: auto;
  flex: 1 1 auto;
  min-width: 5.5rem;
  text-align: center;
}

.afh-dir-guide {
  margin-top: 3.25rem;
  padding-top: 2.25rem;
  border-top: 1px solid var(--line);
  max-width: 52rem;
}

.afh-dir-guide h2 {
  margin: 1.75rem 0 0.55rem;
  font-size: 1.2rem;
}

.afh-dir-guide h2:first-child {
  margin-top: 0;
}

.afh-faq--cards {
  margin-top: 3.25rem;
  padding-top: 2.25rem;
  border-top: 1px solid var(--line);
}

.afh-faq--cards h2 {
  font-size: 1.5rem;
}

.afh-faq--cards .afh-faq-list {
  display: grid;
  gap: 0.75rem;
  margin-top: 1.15rem;
  border: 0;
}

@media (min-width: 800px) {
  .afh-faq--cards .afh-faq-list {
    grid-template-columns: 1fr 1fr;
    align-items: start;
  }
}

.afh-faq--cards .afh-faq-list details {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  padding: 0;
}

.afh-faq--cards .afh-faq-list details:last-child {
  border-bottom: 1px solid var(--line);
}

.afh-faq--cards .afh-faq-list summary {
  padding: 0.95rem 1.1rem;
  list-style: none;
}

.afh-faq--cards .afh-faq-list summary::-webkit-details-marker {
  display: none;
}

.afh-faq--cards details[open] summary {
  border-bottom: 1px solid var(--line);
}

.afh-faq--cards .afh-faq-list p {
  padding: 0.75rem 1.1rem 1rem;
  max-width: none;
}

.afh-dir-pager {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 1.5rem;
}

.afh-dir-dl {
  display: grid;
  gap: 0.85rem;
  margin: 1.25rem 0;
}

.afh-dir-dl div {
  border-top: 1px solid var(--line);
  padding-top: 0.75rem;
}

.afh-dir-dl dt {
  margin: 0;
  color: var(--muted);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.afh-dir-dl dd {
  margin: 0.2rem 0 0;
}

.afh-dir-note {
  margin: 0 0 1rem !important;
}

@media print {
  .no-print,
  .site-header,
  .site-footer {
    display: none !important;
  }
}