.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, .1);
    border: 1px solid rgba(255, 255, 255, .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: .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, .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: .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); }
.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, .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, .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 .2s, padding .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-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; }