/* =====================================================================
   VerifiNow 4.0 skin, based on the design canvas.
   Loaded after vfn.css. Set vfn_use_skin() to false in functions.php to
   return to the previous look; no template depends on it to function.
   ===================================================================== */
@font-face{font-family:'Archivo';src:url(../fonts/archivo-latin-standard-normal.woff2) format('woff2');font-weight:100 900;font-stretch:62% 125%;font-style:normal;font-display:swap}
@font-face{font-family:'DM Sans';src:url(../fonts/dm-sans-latin-wght-normal.woff2) format('woff2');font-weight:100 1000;font-style:normal;font-display:swap}
:root{
  --v-paper:#F1F3F6;--v-surface:#FFFFFF;--v-ink:#13203B;--v-ink2:#2E3A55;--v-muted:#4A5670;
  --v-line:#CCD3DF;--v-line2:#A9B4C7;--v-blue:#1F3F99;--v-blue-dk:#132A6B;--v-blue-tint:#E4EAF5;
  --v-green:#0B6B55;--v-green-tint:#E1EEE9;
  --v-display:'Archivo','Helvetica Neue',Arial,sans-serif;--v-body:'DM Sans','Helvetica Neue',Arial,sans-serif;
  /* Remap the 3.x tokens so inline styles in older templates follow the new palette */
  --navy:#13203B;--navy-mid:#1B2B4F;--navy-dark:#0E1830;
  --blue:#1F3F99;--blue-dark:#132A6B;--blue-light:#E4EAF5;--accent:#AFC4F4;
  --gray-50:#F1F3F6;--gray-100:#E3E7EE;--gray-200:#CCD3DF;--gray-400:#6B7891;--gray-600:#2E3A55;
  --text:#13203B;--text-muted:#3C4863;
  --font-head:var(--v-display);--font-body:var(--v-body);
  --radius:8px;--radius-lg:10px;
  --shadow:0 10px 30px rgba(19,32,59,.10);--shadow-lg:0 22px 48px rgba(19,32,59,.14);
}
body{background:var(--v-paper);color:var(--v-ink);font-family:var(--v-body)}
h1,h2,h3,h4,h5{font-family:var(--v-display);color:var(--v-ink);font-weight:780;font-stretch:80%;letter-spacing:-.01em}
h1{font-size:clamp(2.5rem,5.2vw,4.7rem);line-height:.99;font-stretch:76%}
h2{font-size:clamp(1.9rem,3.6vw,3.4rem);line-height:1.02;font-stretch:77%}
h3{font-size:1.35rem;font-weight:750;font-stretch:85%;line-height:1.2}
h4{font-size:1.1rem;font-weight:750;font-stretch:85%}
p{color:var(--text-muted);font-size:1.08rem;line-height:1.65}
li{font-size:1.02rem;line-height:1.6}
a{color:var(--v-blue)}a:hover{color:var(--v-blue-dk)}

.eyebrow{font-family:var(--v-display);font-size:1.02rem;font-weight:650;letter-spacing:0;text-transform:none;color:var(--v-blue);margin-bottom:12px}
.section{padding:96px 0}
.section--gray{background:var(--v-surface);border-top:1px solid var(--v-line);border-bottom:1px solid var(--v-line)}
.section-header{max-width:820px;margin-bottom:48px}
.section-header h2{margin-bottom:16px}
.section-header p{font-size:1.15rem}

/* Buttons */
.btn{font-family:var(--v-display);font-size:1rem;font-weight:650;padding:13px 24px;border-radius:6px;border-width:1.5px}
.btn-primary{background:var(--v-blue);border-color:var(--v-blue);color:#fff}
.btn-primary:hover{background:var(--v-blue-dk);border-color:var(--v-blue-dk);color:#fff;transform:none;box-shadow:none}
.btn-outline{border-color:var(--v-ink);color:var(--v-ink);background:transparent}
.btn-outline:hover{background:var(--v-ink);color:#fff;border-color:var(--v-ink)}

/* Header */
.vfn-header{background:#fff;border-bottom:1px solid var(--v-line);box-shadow:none}
.nav-wrap{height:80px}
.primary-nav>li>a{font-family:var(--v-display);font-size:.98rem;font-weight:600;color:var(--v-ink);padding:8px 12px;border-radius:0}
.primary-nav>li>a:hover{color:var(--v-blue);background:transparent}
.primary-nav>li.active>a{color:var(--v-blue);background:transparent;text-decoration:underline;text-underline-offset:8px;text-decoration-thickness:2px}
.dropdown{border:1px solid var(--v-line);border-radius:8px;box-shadow:var(--shadow)}
.dropdown li a{font-family:var(--v-display);font-size:.95rem;color:var(--v-ink);border-radius:4px}
.dropdown li a:hover{background:var(--v-blue-tint);color:var(--v-blue)}
.nav-cta .btn{padding:11px 20px;font-size:.95rem}
.nav-toggle{border-color:var(--v-line);color:var(--v-ink);font-family:var(--v-display)}
@media(max-width:900px){.vfn-header.nav-open .nav-panel{max-height:calc(100vh - 80px)}}

/* Homepage hero */
.hero{background:var(--v-paper);padding:88px 0 96px;overflow:visible}
.hero::before,.hero::after{display:none}
.hero h1{color:var(--v-ink);margin-bottom:24px}
.hero p{color:var(--v-ink2);font-size:1.25rem;line-height:1.6}
.hero .eyebrow--white,.hero .eyebrow{color:var(--v-blue)}
.hero .btn-outline-white{color:var(--v-ink);border-color:var(--v-ink)}
.hero .btn-outline-white:hover{background:var(--v-ink);color:#fff}
.hero p.hero-trust{color:var(--v-muted);border-top-color:var(--v-line);font-family:var(--v-body);font-size:1rem;letter-spacing:0}

/* Inner-page hero (templates with their own dark hero opt out via .vfn-dark-hero) */
.page-hero:not(.vfn-dark-hero){background:var(--v-paper);border-bottom:1px solid var(--v-line);padding:80px 0 72px}
.page-hero:not(.vfn-dark-hero)::after{display:none}
.page-hero:not(.vfn-dark-hero) h1{color:var(--v-ink);font-size:clamp(2.2rem,4.4vw,4rem);margin-bottom:20px}
.page-hero:not(.vfn-dark-hero) p{color:var(--v-ink2);font-size:1.15rem;max-width:680px}
.page-hero:not(.vfn-dark-hero) .eyebrow--white{color:var(--v-blue)}
.page-hero:not(.vfn-dark-hero) .btn-outline-white{color:var(--v-ink);border-color:var(--v-ink)}
.page-hero:not(.vfn-dark-hero) .btn-outline-white:hover{background:var(--v-ink);color:#fff}
.page-hero:not(.vfn-dark-hero) h1 span,.hero h1 span{color:var(--v-blue)!important}
/* Inner-page heroes use the plain page background (no pattern) */
.page-hero:not(.vfn-dark-hero):not(.page-hero--split) .hero-inner{max-width:880px}
.page-hero--edu .eyebrow--white{color:var(--v-green)!important}

/* Split hero with binding record */
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:56px;align-items:center}
.hero-grid .hero-inner{max-width:640px}
@media(max-width:1000px){.hero-grid{grid-template-columns:1fr}.record-figure{max-width:560px}}
.record-figure{position:relative;margin:0}
.record{background:#fff;border:1px solid var(--v-line);border-radius:10px;box-shadow:var(--shadow-lg);font-family:var(--v-display)}
.record-head{display:flex;align-items:center;justify-content:space-between;padding:18px 22px}
.record-title{font-size:1.2rem;font-weight:750;font-stretch:85%;color:var(--v-ink)}
.record-tag{font-size:.8rem;font-weight:600;color:var(--v-muted);border:1px solid var(--v-line);border-radius:4px;padding:3px 8px}
.record dl{margin:0}
.record-row{display:grid;grid-template-columns:118px minmax(0,1fr);gap:12px;align-items:start;padding:13px 22px;border-top:1px solid #E3E7EE}
.record-row dt{font-size:.86rem;font-weight:600;color:var(--v-muted)}
.record-row dd{margin:0;font-family:var(--v-body);font-size:1rem;line-height:1.45;color:var(--v-ink);display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.record-row svg{width:22px;height:22px;flex-shrink:0}
.record-row--bound{background:#F4F6FA}
.record-row--bound dt{color:var(--v-blue)}
.record-row--bound dd{font-weight:600}
.record--edu .record-row--bound{background:#F1F7F4}
.record--edu .record-row--bound dt{color:var(--v-green)}
.record-row--last{padding-bottom:18px}
.record-row--last dd{font-variant-numeric:tabular-nums}

/* Stats band */
.stats-bar{background:#fff;border-top:1px solid var(--v-line);border-bottom:1px solid var(--v-line);padding:56px 0}
.stats-inner{gap:40px}
.stat-num{font-family:var(--v-display);font-size:clamp(2.6rem,5vw,4.2rem);font-weight:800;font-stretch:70%;color:var(--v-blue)}
.stat-accent{color:var(--v-blue)}
.stat-label{font-family:var(--v-body);font-size:1rem;color:var(--v-ink2);letter-spacing:0;max-width:280px;margin:6px auto 0}
.stats-source{color:var(--v-muted)}
.stats-source a{color:var(--v-blue)}

/* Cards become hairline-topped columns; feature panels stay boxed */
.card{background:transparent;border:0;border-top:2px solid var(--v-ink);border-radius:0;padding:22px 0 0;box-shadow:none}
.card:hover{box-shadow:none;transform:none}
.card-icon{width:40px;height:40px;background:var(--v-blue-tint);border-radius:6px;margin-bottom:14px}
.card-icon svg{stroke:var(--v-blue)}
.card h3{font-size:1.3rem;margin-bottom:10px}
.card p{font-size:1rem;color:var(--v-ink2)}
.lcard,.info-box,.form-box,.calendly-wrap,.sidebar-box,.team-card,.post-card{background:#fff;border:1px solid var(--v-line);border-radius:10px;box-shadow:none}
.lcard:hover,.post-card:hover{box-shadow:none;transform:none;border-color:var(--v-line2)}
.lcard-icon{background:var(--v-blue-tint);border-radius:8px}
.lcard-icon svg{stroke:var(--v-blue)}
.lcard h3{font-size:1.45rem}
.lcard p{font-size:1rem;color:var(--v-ink2)}
.ind-tile{background:transparent;border:0;border-top:2px solid var(--v-ink);border-radius:0;padding:20px 0 0;box-shadow:none}
.ind-tile:hover{border-top-color:var(--v-blue);box-shadow:none;transform:none}
.ind-tile-icon{background:var(--v-blue-tint);border-radius:6px}
.ind-tile h3{font-size:1.2rem}
.ind-tile p{font-size:.98rem;color:var(--v-ink2)}
.grid-5 .ind-tile-icon{display:none}
.tile-link{font-family:var(--v-display);font-size:.95rem}
.badge{font-family:var(--v-display);letter-spacing:.02em}

/* Steps: big numerals instead of circles */
.step{grid-template-columns:64px 1fr;border-bottom-color:var(--v-line)}
.step-num,.hiw-num{width:auto;height:auto;border-radius:0;background:none;color:var(--v-blue);font-family:var(--v-display);font-size:2.8rem;font-weight:800;font-stretch:70%;line-height:1;justify-content:flex-start}
.step-body h3{font-size:1.3rem}
.step-body p{font-size:1.02rem;color:var(--v-ink2)}
.hiw-step{grid-template-columns:90px 1fr;border-bottom-color:var(--v-line)}
.hiw-num{font-size:3.6rem}
.hiw-card{background:#fff;border-color:var(--v-line)}

/* Tables, badges, pills */
.uc-table{border-color:var(--v-line);border-radius:10px;background:#fff}
.uc-row:nth-child(even){background:#F7F8FA}
.uc-label{font-family:var(--v-display);font-size:.95rem;color:var(--v-ink)}
.uc-text{font-size:1rem;color:var(--v-ink2)}
.comp-badge{border-color:var(--v-line2);border-radius:6px;font-family:var(--v-display);font-size:.9rem;font-weight:600;color:var(--v-ink)}
.comp-badge::before{color:var(--v-green)}
.int-pill{border-color:var(--v-line);border-radius:6px;box-shadow:none;font-family:var(--v-display);font-weight:500;font-size:1rem;color:var(--v-ink)}

/* Lists */
.check-list li,.outcome-list li,.form-bullets li{font-size:1rem;color:var(--v-ink2)}
.check-list li::before{background-color:var(--v-blue-tint)}

/* Homepage spotlight */
.spotlight{border:0;border-radius:12px}
.spotlight--pay{background:var(--v-blue-tint)}
.spotlight--edu{background:var(--v-green-tint)}
.spotlight-body{padding:48px 48px 36px;gap:18px}
.spotlight h2{font-size:clamp(2rem,3.4vw,3.2rem);line-height:1}
.spotlight p{color:var(--v-ink2);font-size:1.15rem}
.spotlight--pay .eyebrow{color:var(--v-blue)}
.spotlight--edu .eyebrow{color:var(--v-green)}
.spotlight .btn{background:var(--v-ink);border-color:var(--v-ink)}
.spotlight .btn:hover{background:#000;border-color:#000}
.spotlight-bound{padding:16px 48px;font-size:.95rem;border-top-color:rgba(19,32,59,.14)}
.spotlight--edu .check-list li::before{background-color:#CFE6DD}

/* Higher Ed pieces */
.date-card{background:transparent;border:0;border-top:3px solid var(--v-green);border-radius:0;padding:20px 0 0}
.date-card .tl-year{font-family:var(--v-display);font-size:1.3rem;font-weight:750;font-stretch:85%;letter-spacing:0;text-transform:none;color:var(--v-green)}
.date-card p{font-size:1rem;color:var(--v-ink2)}
.callout{background:var(--v-ink);border-radius:12px;padding:56px}
.callout p{color:#E1E6F0;font-size:1.15rem}
.callout .src{color:#AEB9CF}
.page-edu-lifecycle{background:var(--v-green-tint)!important}

/* Closing band and footer */
.cta-band{background:var(--v-ink);text-align:left;padding:96px 0}
.cta-band::before{display:none}
.cta-band h2{color:#fff;max-width:820px}
.cta-band p{color:#D5DCEA;margin:0 0 32px;max-width:700px;font-size:1.2rem}
.cta-band .btn-group{justify-content:flex-start!important}
.cta-band .btn-primary{background:#fff;color:var(--v-ink);border-color:#fff}
.cta-band .btn-primary:hover{background:var(--v-blue-tint);color:var(--v-ink);border-color:var(--v-blue-tint)}
.cta-band .btn-outline-white{border-color:#fff;color:#fff}
.site-footer{background:var(--v-ink);border-top:1px solid #33415F;padding:56px 0 32px}
.footer-inner{border-bottom-color:#33415F}
.footer-tagline{font-family:var(--v-body);font-size:1rem;color:#C9D3E6;max-width:240px}
.footer-col h4{font-family:var(--v-display);font-size:.98rem;font-weight:700;letter-spacing:0;text-transform:none;color:#fff}
.footer-col ul li a{font-family:var(--v-display);font-size:.95rem;color:#C9D3E6}
.footer-bottom{font-family:var(--v-display);font-size:.9rem;color:#AEB9CF}
.footer-bottom a{color:#C9D3E6}

/* Sources */
.src-list,.src-list li{font-size:.95rem;color:var(--v-ink2)}
.src-note{font-size:.9rem;color:var(--v-muted)}

/* Prose (privacy, blog) */
.prose h2{font-size:1.8rem;border-bottom-color:var(--v-line)}
.entry-content p,.entry-content li{color:var(--v-ink2)}

/* Header button must survive page-level CSS (the Fraud Response Guide restyles .btn-primary) */
.vfn-header .nav-cta .btn-primary{background:var(--v-blue);color:#fff;border-color:var(--v-blue)}
.vfn-header .nav-cta .btn-primary:hover{background:var(--v-blue-dk);color:#fff;border-color:var(--v-blue-dk);transform:none}
/* Numerals sit at the top of each step */
.step{align-items:start}
.step-num,.hiw-num{align-items:flex-start;padding-top:2px}
/* More of the security-print pattern around the record on wide screens; tighter on phones */
@media(max-width:600px){
  .record-row{grid-template-columns:96px minmax(0,1fr);padding:12px 16px}
  .record-head{padding:16px}
}

.also-grid .ind-tile-icon{display:none}
/* Stat items share the row evenly so four stats don't wrap on desktop */
.stats-inner{justify-content:space-between}
.stats-inner>div{flex:1 1 200px}

/* Breadcrumbs */
.breadcrumbs{background:var(--v-paper);padding:18px 0 0}
.breadcrumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px 8px;font-family:var(--v-display);font-size:.92rem}
.breadcrumbs li{font-size:.92rem;color:var(--v-muted);line-height:1.4}
.breadcrumbs li+li::before{content:"/";color:var(--v-line2);margin-right:8px}
.breadcrumbs a{color:var(--v-muted);text-decoration:underline;text-underline-offset:3px;text-decoration-color:var(--v-line2)}
.breadcrumbs a:hover{color:var(--v-blue)}
.breadcrumbs span[aria-current]{color:var(--v-ink);font-weight:600}
.breadcrumbs + .page-hero:not(.vfn-dark-hero){padding-top:36px}
.breadcrumbs + section:not(.page-hero){margin-top:0}

/* FAQ */
.faq-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:56px;row-gap:36px}
@media(max-width:860px){.faq-list{grid-template-columns:1fr}}
.faq-item{border-top:2px solid var(--v-ink);padding-top:18px}
.faq-item h3{font-size:1.25rem;margin-bottom:10px}
.faq-item p{font-size:1.02rem;color:var(--v-ink2)}

/* v4.0.1 accessibility fixes */
.spotlight--edu .spotlight-bound span:first-child{color:var(--v-green)}
.footer-col h2.footer-heading{font-family:var(--v-display);font-size:.98rem;font-weight:700;letter-spacing:0;text-transform:none;color:#fff;margin-bottom:16px}
.info-box h3.box-title{font-size:1.1rem;font-weight:750;font-stretch:85%;margin-bottom:10px}

/* Homepage: tighten the gap between the hero and the Payments / Higher Ed panels */
.hero{padding-bottom:56px}
.section.section--after-hero{padding-top:0}

/* ===== v4.0.5 spacing: tighter vertical rhythm ===== */
.section{padding:64px 0}
.section-header{margin-bottom:40px}
.page-hero:not(.vfn-dark-hero){padding:64px 0 56px}
.breadcrumbs + .page-hero:not(.vfn-dark-hero){padding-top:28px}
.hero{padding:72px 0 48px}
.stats-bar{padding:44px 0}
.cta-band{padding:72px 0}
.section--tint-blue{background:var(--v-blue-tint)}
.section--sources{padding:40px 0}
/* Two sections in a row with the same background: don't stack both paddings */
.section:not(.section--gray):not(.section--tint-blue):not(.page-edu-lifecycle):not(.section--after-hero) + .section:not(.section--gray):not(.section--tint-blue):not(.page-edu-lifecycle),
.section--gray + .section--gray{padding-top:0}
.section--gray + .section--gray{border-top:0}
@media(max-width:700px){
  .section{padding:44px 0}
  .section--sources{padding:32px 0}
  .section-header{margin-bottom:28px}
  .page-hero:not(.vfn-dark-hero){padding:40px 0 40px}
  .breadcrumbs{padding-top:14px}
  .breadcrumbs + .page-hero:not(.vfn-dark-hero){padding-top:20px}
  .hero{padding:40px 0 36px}
  .hero-grid{gap:32px}
  .hero p.hero-trust{margin-top:24px;padding-top:18px}
  .stats-bar{padding:32px 0}
  .stats-inner{gap:24px}
  .cta-band{padding:52px 0}
  .site-footer{padding:44px 0 24px}
  .footer-inner{gap:28px;padding-bottom:28px;margin-bottom:20px}
  .spotlight-body{padding:32px 24px 24px}
  .spotlight-bound{padding:14px 24px}
  .callout{padding:32px 24px}
}
/* Trailing margins at the end of a block add invisible space; drop them */
.page-hero .hero-inner > :last-child,
.section > .container > :last-child,
.section > .container > :last-child > :last-child,
.section > .container > :last-child > :last-child > :last-child{margin-bottom:0}
.steps > .step:last-child{padding-bottom:0}
.hiw-step:last-child{padding-bottom:0}
@media(max-width:700px){
  /* Stats two-up instead of one per row */
  .stats-inner{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 16px}
  .stats-inner>div{flex:none}
  .stat-num{font-size:2.3rem}
  .stat-label{font-size:.92rem}
  /* Footer links two columns instead of one long list */
  .footer-inner{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
/* The header row holds only the logo, the Menu button, and the menu panel.
   Anything a plugin injects into it (for example a second hamburger) is hidden. */
.vfn-header > .container > :not(.nav-wrap),
.nav-wrap > :not(.site-logo):not(.nav-toggle):not(.nav-panel){display:none!important}