/* Long-form reading and tools extend the existing SKC tokens without route-level CSS. */
.resource-heading{background:linear-gradient(125deg,#f0f5ff,#fafbfe);padding:25px 0 55px}.resource-breadcrumb ol{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0 0 35px;padding:0}.skc-reference-site .resource-breadcrumb li{font-size:13px;line-height:1.6;color:#62758b}.resource-breadcrumb li+li:before{content:'/';margin-right:8px;color:#a5b3c5}.resource-breadcrumb a{color:#274f80}.skc-reference-site .resource-heading h1{font-size:clamp(34px,4vw,54px);line-height:1.14;letter-spacing:-1.5px;max-width:1120px;margin:18px 0 0;text-wrap:balance;overflow-wrap:break-word}.resource-layout{display:grid;grid-template-columns:250px minmax(0,900px);gap:65px;padding-top:45px;padding-bottom:70px;justify-content:center}.resource-contents nav{position:sticky;top:105px;max-height:calc(100vh - 135px);overflow:auto;padding:0 15px 15px 0}.skc-reference-site .resource-contents h2{font-size:17px;margin:0 0 18px}.resource-contents ol{list-style:none;padding:0;display:grid;gap:11px}.skc-reference-site .resource-contents li{font-size:13px;line-height:1.5}.resource-contents a{color:#536c89;text-decoration:none}.resource-contents a:hover{color:#173f78;text-decoration:underline}.resource-article{min-width:0}.skc-reference-site .resource-article p,.skc-reference-site .resource-article li{font-size:17px;line-height:1.8;color:#354d67;margin:0 0 18px}.skc-reference-site .resource-intro{padding:0!important;margin:0 0 35px}.resource-intro>p:first-child{font-size:20px;color:#24496d}.resource-section{margin:0 0 40px;scroll-margin-top:105px}.skc-reference-site .resource-section h2{font-size:29px;line-height:1.3;letter-spacing:-.6px;margin:0 0 22px;color:#123858}.skc-reference-site .resource-section h3{font-size:23px;line-height:1.4;letter-spacing:-.3px;margin:28px 0 16px}.resource-copy ul,.resource-copy ol{padding-left:26px;margin:20px 0;list-style:disc}.resource-copy ol{list-style:decimal}.resource-copy li>p{margin:0}.resource-copy li::marker{color:#597bad}.resource-article a{color:#204e8b;text-decoration:underline;text-underline-offset:3px}.resource-article a:hover{color:#081f43}.resource-page a:focus-visible,.resource-page button:focus-visible,.resource-page input:focus-visible,.resource-table:focus-visible{outline:3px solid #326ab7;outline-offset:4px}.resource-article blockquote{margin:25px 0;padding:22px 28px;background:#f0f4fc;border-left:4px solid #819fce;border-radius:0 16px 16px 0}.resource-article blockquote p:last-child{margin:0}.resource-table{overflow:auto;max-width:100%;border:1px solid #dbe4ef;border-radius:14px;margin:25px 0}.resource-table table{border-collapse:collapse;width:100%;font-size:15px;line-height:1.6;min-width:580px}.resource-table th,.resource-table td{padding:15px 18px;text-align:left;vertical-align:top;border-bottom:1px solid #e1e7f0;color:#3b526e}.resource-table th{background:#ecf2fc;color:#193e6d;font-weight:600}.resource-table tr:last-child td{border-bottom:0}.resource-layout-hub{display:block;max-width:1300px}.resource-layout-hub .resource-intro{max-width:950px}.resource-index-card{border:1px solid #dce5f1;border-radius:20px;background:#eff4fe;padding:26px 30px;margin-bottom:18px;transition:transform .25s,box-shadow .25s}.resource-index-card:nth-child(3n+2){background:#f5effa}.resource-index-card:nth-child(3n){background:#fff3e9}.resource-index-card:hover{transform:translateY(-3px);box-shadow:0 10px 25px #17345b0b}.skc-reference-site .resource-index-card h3{margin:0 0 12px;font-size:23px}.resource-index-card h3 a{text-decoration:none}.resource-index-card p:last-child{margin:0}.resource-search{padding:25px 30px;border:1px solid #dfe7f2;border-radius:18px;margin:25px 0 40px;background:#f9fbff}.resource-search label{display:block;font-size:16px;font-weight:600;margin-bottom:10px}.resource-search input{width:100%;border:1px solid #a4b6ce;border-radius:8px;padding:13px 15px;font:16px Inter,sans-serif;background:white}.resource-search [data-search-status]{margin:10px 0 0;font-size:14px}.resource-page [hidden]{display:none!important}.calculator{border:1px solid #d9e4f1;border-radius:22px;overflow:hidden;margin:30px 0 45px;background:#f8faff}.calculator form{padding:28px 32px}.skc-reference-site .calculator h2{font-size:27px;margin:0 0 15px}.skc-reference-site .calculator-units{font-size:13px;margin:0 0 20px}.calculator-field{margin-bottom:18px}.calculator-field label{font-size:16px;line-height:1.5;font-weight:600;color:#203e62;display:block;margin:0 0 7px}.calculator-field label span{font-weight:400;font-size:13px}.skc-reference-site .calculator-field>p{font-size:13px;line-height:1.5;margin:0 0 7px}.calculator-field input{display:block;width:100%;font:18px Inter,sans-serif;padding:12px 14px;border:1px solid #97abc6;background:white;border-radius:8px;color:#173551;min-height:48px}.calculator-field input[aria-invalid=true]{border:2px solid #b72e2e}.skc-reference-site .calculator-field-error{font-size:14px;color:#aa2525;margin:6px 0 0}.calculator-options{border:0;padding:0;margin:20px 0}.calculator-options legend{font-size:16px;font-weight:600;margin:0 0 12px;color:#203e62;line-height:1.5}.calculator-options label{display:flex;align-items:center;gap:10px;padding:13px;border:1px solid #b8c8df;border-radius:9px;background:white;margin-bottom:10px;cursor:pointer}.calculator-options input{width:20px;height:20px;flex-shrink:0;accent-color:#173f78}.calculator-options span{font-size:15px;line-height:1.5}.calculator-options label:has(input:checked){border-color:#234f8b;background:#eaf1fd}.calculator-tabs{display:flex;gap:10px;margin:15px 0 22px}.calculator-tabs button{flex:1;padding:12px;border:1px solid #a9bcd8;background:white;border-radius:8px;font:600 14px/1.5 Inter,sans-serif;color:#355779;cursor:pointer}.calculator-tabs [aria-selected=true]{background:#163b6a;color:white}.calculator-detail-toggle{border:0;background:none;text-decoration:underline;text-underline-offset:4px;color:#224f8c;font:600 15px Inter,sans-serif;padding:5px 0 20px;cursor:pointer}.calculator-errors:not(:empty){background:#fff0ee;color:#912929;padding:15px;margin-bottom:15px}.calculator-result{border-top:1px solid #d9e4f1;background:#edf3fd;padding:28px 32px}.calculator-result dl{display:grid;gap:0;margin:15px 0 25px}.calculator-result dl>div{padding:15px 0;border-bottom:1px solid #ccd9eb;display:grid;grid-template-columns:1.2fr 1fr;gap:20px;align-items:center}.calculator-result dt{font-size:15px;line-height:1.5;color:#355270}.calculator-result dd{font-size:22px;font-weight:650;line-height:1.35;color:#153d70;text-align:right;margin:0;overflow-wrap:anywhere}.calculator-result .result-caution{background:#fff0e9;padding:15px;border-radius:10px}.result-caution dd{color:#a32a19}.calculator-result .result-slow{background:#e0eafd;padding:15px;border-radius:10px}.calculator-result .result-note{font-size:14px;background:white;border-radius:8px;padding:13px}.calculator-result progress{width:100%;height:20px;accent-color:#214e8d}.calculator-disclaimer{padding:20px 32px;background:#fff8e9;border-top:1px solid #e9dbb8}.calculator-disclaimer blockquote{border:0;border-radius:0;padding:0;background:none;margin:0}.skc-reference-site .calculator-disclaimer p{font-size:14px;line-height:1.7;color:#574928;margin:0}.calculator-maintenance{padding:20px;border:1px solid #dce5ef;border-radius:12px}.skc-reference-site .calculator-maintenance h2{font-size:18px}.skc-reference-site .calculator-maintenance p{font-size:14px;margin:10px 0 0}
@media(max-width:900px){.resource-layout{grid-template-columns:1fr;gap:25px}.resource-contents nav{position:static;max-height:none;padding:20px;background:#f3f6fc;border-radius:14px}.resource-contents ol{columns:2;display:block}.resource-contents li{break-inside:avoid;margin-bottom:10px}.resource-heading{padding-bottom:35px}.resource-breadcrumb ol{margin-bottom:25px}}
@media(max-width:600px){.skc-reference-site .resource-heading h1{font-size:34px;letter-spacing:-.9px}.resource-layout{padding-top:25px;padding-bottom:40px}.skc-reference-site .resource-article p,.skc-reference-site .resource-article li{font-size:16px;line-height:1.75}.resource-contents ol{columns:1}.skc-reference-site .resource-section h2{font-size:25px}.resource-table table{font-size:14px}.resource-index-card{padding:22px}.skc-reference-site .resource-index-card h3{font-size:21px}.resource-search{padding:20px}.calculator form,.calculator-result,.calculator-disclaimer{padding:22px 18px}.calculator-field{margin-bottom:14px}.calculator-field label{font-size:15px}.skc-reference-site .calculator-field>p{font-size:12px}.calculator-field input{min-height:44px;padding:10px 12px}.calculator-options span{font-size:14px}.calculator-tabs button{font-size:12px;padding:10px}.calculator-result dl>div{grid-template-columns:1fr;gap:6px}.calculator-result dd{text-align:left;font-size:23px}.skc-reference-site .calculator-result p{font-size:15px}.skc-reference-site .calculator-disclaimer p{font-size:13px}.resource-article blockquote{padding:18px}}
@media(prefers-reduced-motion:reduce){.resource-index-card{transition:none}}
.skc-reference-site .closing-copy .skc-copy a.source-inline-link{display:inline!important;padding:0!important;margin:0!important;border:0!important;border-radius:0!important;box-shadow:none!important;background:none!important;color:inherit!important;font:inherit!important;text-decoration:underline;text-underline-offset:3px;min-height:0!important;transform:none!important}

.resource-copy:has(> .resource-index-card){display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.resource-copy:has(> .resource-index-card)>:not(.resource-index-card){grid-column:1/-1}.resource-copy>.resource-index-card{margin:0}.resource-index-card[hidden]{display:none}@media(max-width:700px){.resource-copy:has(> .resource-index-card){grid-template-columns:minmax(0,1fr)}}

.resource-search input::placeholder{color:#61738b;opacity:1}

/* Resource card links use one accessible heading anchor and a stretched hit area. */
.resource-index-card{position:relative}
.resource-index-card h3 a::after{content:"";position:absolute;inset:0;border-radius:inherit}
.resource-index-card:focus-within{outline:3px solid #24548a;outline-offset:3px}
.resource-index-card a:not(h3 a){position:relative;z-index:1}
.resource-contents a{display:block;border-left:3px solid transparent;padding:7px 10px;border-radius:0 8px 8px 0;transition:color .2s,background .2s}
.resource-contents a[aria-current="location"]{color:#184a80!important;background:#eaf2fc;border-left-color:#24548a;font-weight:650}
/* A dedicated workspace keeps the estimate alongside the figures. */
.resource-calculator .resource-layout{display:flex;flex-direction:column;max-width:1440px}
.resource-calculator .resource-article{order:0;width:100%}
.resource-calculator .resource-contents{order:1}
.resource-calculator .resource-contents nav{position:static;max-height:none}
.resource-calculator .resource-contents ol{display:flex;flex-wrap:wrap;gap:10px}
.resource-calculator .resource-section,.resource-calculator .resource-intro{max-width:950px;margin-left:auto;margin-right:auto}
.resource-calculator .calculator{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;padding:24px;background:#f8fbff;border:2px solid #eef5ff;overflow:visible;align-items:start}
.calculator-result-panel{position:sticky;top:100px;border:1px solid #e1eaf5;border-radius:20px;overflow:hidden;box-shadow:0 12px 32px #17345b0b}
.resource-calculator .calculator form{padding:24px;background:white;border:1px solid #e8eff7;border-radius:20px}
.resource-calculator .calculator-result{border-top:0;scroll-margin-top:100px;background:linear-gradient(140deg,#edf4ff,#f7fbff)}
.resource-calculator .calculator-result dl>div{grid-template-columns:1fr 1fr}
.resource-calculator .calculator-options label{padding:12px;border:1px solid #dce6f2;border-radius:12px;background:#fff;transition:background .2s,border-color .2s}
.resource-calculator .calculator-options label:has(input:checked){background:#eaf2ff;border-color:#527aab}
.calculator-edit{display:block;width:100%;padding:16px;border:0;border-top:1px solid #dce6f2;background:#fff;color:#24548a;font:600 15px Inter,sans-serif;cursor:pointer}
@media(max-width:760px){.resource-calculator .calculator{grid-template-columns:1fr;padding:12px;gap:16px}.calculator-result-panel{position:static}.resource-calculator .calculator form{padding:18px}.resource-calculator .calculator-result dl>div{grid-template-columns:1fr}.resource-calculator .calculator-result dd{text-align:left}}

/* Shared card surfaces: layout, type and illustration geometry are unchanged. */
.skc-reference-site :is(.skc-source-audience-card,.lower-industry,.lower-knowledge-card,.lower-benefit,.shared-service-card,.shared-plan-card,.service-card,.directory-card,.reference-service-tile,.resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,.benefit-panel,.company-value-deck>article){background:#f8fbff!important;border:2px solid #eef5ff!important}
.skc-reference-site :is(.skc-source-audience-card,.lower-industry,.lower-knowledge-card,.lower-benefit,.shared-service-card,.shared-plan-card,.service-card,.directory-card,.reference-service-tile,.resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,.benefit-panel,.company-value-deck>article):nth-child(6n+2){background:#f7fcfa!important;border:2px solid #ecf7f4!important}
.skc-reference-site :is(.skc-source-audience-card,.lower-industry,.lower-knowledge-card,.lower-benefit,.shared-service-card,.shared-plan-card,.service-card,.directory-card,.reference-service-tile,.resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,.benefit-panel,.company-value-deck>article):nth-child(6n+3){background:#f5fcfc!important;border:2px solid #e9f7f8!important}
.skc-reference-site :is(.skc-source-audience-card,.lower-industry,.lower-knowledge-card,.lower-benefit,.shared-service-card,.shared-plan-card,.service-card,.directory-card,.reference-service-tile,.resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,.benefit-panel,.company-value-deck>article):nth-child(6n+4){background:#fffaf3!important;border:2px solid #fef3e3!important}
.skc-reference-site :is(.skc-source-audience-card,.lower-industry,.lower-knowledge-card,.lower-benefit,.shared-service-card,.shared-plan-card,.service-card,.directory-card,.reference-service-tile,.resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,.benefit-panel,.company-value-deck>article):nth-child(6n+5){background:#faf7fd!important;border:2px solid #f0eafa!important}
.skc-reference-site :is(.skc-source-audience-card,.lower-industry,.lower-knowledge-card,.lower-benefit,.shared-service-card,.shared-plan-card,.service-card,.directory-card,.reference-service-tile,.resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,.benefit-panel,.company-value-deck>article):nth-child(6n+6){background:#fff7f5!important;border:2px solid #faece9!important}

/* Reference-led split calculator: SKC colours, shared by all seven tools. */
.resource-calculator .calculator{gap:0;padding:0;background:linear-gradient(110deg,#fff 50%,#edf4ff 50%);border:1px solid #e1eaf5;border-radius:26px;box-shadow:0 20px 55px #153d7010}
.resource-calculator .calculator form{padding:44px;border:0;border-radius:26px 0 0 26px;background:#fff}
.resource-calculator .calculator-result-panel{border:0;border-radius:0 26px 26px 0;box-shadow:none;background:linear-gradient(145deg,#edf4ff,#f6f9ff)}
.resource-calculator .calculator-result{padding:44px 40px 24px;background:none;text-align:center}
.skc-reference-site .calculator-result h2{font-size:18px;font-weight:500;line-height:1.5;margin:0 0 12px;letter-spacing:0}
.calculator-primary{font-size:clamp(38px,4.5vw,68px);font-weight:700;letter-spacing:-2px;line-height:1.15;color:#062951;margin:0 0 32px;overflow-wrap:anywhere;font-variant-numeric:tabular-nums}
.calculator-primary-text{font-size:30px;letter-spacing:-.7px;line-height:1.35}
.resource-calculator .calculator-result dl{background:#fff;border-radius:18px;padding:12px 24px;margin:0 0 24px;text-align:left;box-shadow:0 4px 18px #193e6d04}
.resource-calculator .calculator-result dl:empty{display:none}
.resource-calculator .calculator-result dl>div{grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:18px;padding:13px 0;border-color:#e6edf6}
.resource-calculator .calculator-result dl>div:last-child{border-bottom:0}
.resource-calculator .calculator-result dd{font-size:20px;text-align:right;letter-spacing:-.3px}
.resource-calculator .calculator-result dt{font-size:15px}
.skc-reference-site .calculator-result>p{font-size:14px;line-height:1.7;color:#5b708c;margin:14px 0;text-align:left}
.resource-calculator .calculator-disclaimer{margin:0 40px;padding:20px 0;background:transparent;border-top:1px solid #d7e3f2}
.skc-reference-site .calculator-disclaimer p{color:#5b708c;font-size:13px}
.resource-calculator .calculator-edit{width:calc(100% - 80px);margin:4px 40px 36px;border:1px solid #173f78;border-radius:10px;background:transparent;color:#173f78;transition:background .25s,color .25s,transform .25s}
.resource-calculator .calculator-edit:hover{background:#173f78;color:white;transform:translateY(-2px)}
.resource-calculator .calculator-field{margin-bottom:24px}
.resource-calculator .calculator-field input{border-color:#d4deeb;border-radius:12px;padding:15px 18px;font-size:23px;font-weight:600;box-shadow:0 2px 4px #17345b03;transition:border-color .2s,box-shadow .2s}
.resource-calculator .calculator-field input:focus{border-color:#326ab7;box-shadow:0 0 0 4px #eaf2ff}
.resource-calculator .calculator-tabs{gap:4px;padding:5px;border-radius:12px;background:#eaf0f8}
.resource-calculator .calculator-tabs button{border:0;background:transparent;color:#516782;border-radius:9px}
.resource-calculator .calculator-tabs [aria-selected=true]{background:#fff;color:#082c58;box-shadow:0 2px 6px #17345b15}
.resource-calculator .calculator-options label{padding:18px 20px;border:2px solid #eef3fa;border-radius:14px;flex-direction:row-reverse;justify-content:space-between}
.resource-calculator .calculator-options label:has(input:checked){background:#fff;border-color:#234f8b;box-shadow:0 3px 10px #17345b08}
.resource-calculator .calculator-options label:hover{background:#f8fbff;border-color:#9bb6d9}
.resource-calculator .calculator-options span{font-size:16px;font-weight:500}
.resource-calculator .calculator form>.skc-button{width:100%;justify-content:center;margin-top:8px}
@media(max-width:1000px){.resource-calculator .calculator form{padding:28px}.resource-calculator .calculator-result{padding:30px 24px 20px}.resource-calculator .calculator-disclaimer{margin:0 24px}.resource-calculator .calculator-edit{width:calc(100% - 48px);margin:4px 24px 28px}}
@media(max-width:760px){.resource-calculator .calculator{grid-template-columns:1fr;background:#fff}.resource-calculator .calculator form{padding:26px 20px;border-radius:26px 26px 0 0}.resource-calculator .calculator-result-panel{border-radius:0 0 26px 26px}.resource-calculator .calculator-result{padding:30px 20px 16px}.calculator-primary{font-size:46px}.calculator-primary-text{font-size:27px}.resource-calculator .calculator-result dl{padding:10px 16px}.resource-calculator .calculator-result dl>div{gap:12px}.resource-calculator .calculator-result dd{font-size:18px}.resource-calculator .calculator-result dt{font-size:14px}}
@media(prefers-reduced-motion:reduce){.resource-calculator .calculator-edit,.resource-calculator .calculator-field input,.resource-calculator .calculator-options label{transition:none}}

/* Shared hero artwork and a clear, visible service-delivery notice. */
.skc-reference-site .service-hero-ring{display:none}
.skc-reference-site .service-hero,.skc-reference-site .service-hero-media,.skc-reference-site .reference-photo-scene,.skc-reference-site .skc-photo-navy{background:transparent!important}
.skc-reference-site .service-hero-person{object-fit:contain;object-position:center bottom;border-radius:0;background:transparent}
.skc-reference-site .service-hero-media .subject-glow{display:none}
.resource-hero-grid,.expert-hero-grid{display:grid;grid-template-columns:1.05fr 1fr;align-items:center;gap:40px;min-height:490px}
.resource-hero-art,.expert-hero-art{width:100%;max-width:420px;justify-self:end;padding:20px 10px}
.resource-hero-art .subject-graphic,.expert-hero-art .subject-graphic{width:100%;margin:0}
.skc-reference-site .expert-opening{text-align:left}
.skc-reference-site .expert-opening h1,.skc-reference-site .expert-opening .shared-copy{margin-left:0}
.expert-opening .expert-assurance{justify-content:flex-start}
.skc-reference-site .home-lower-reference .lower-disclosure,.skc-reference-site .shared-page .home-lower-reference .lower-disclosure{padding:32px 0!important;background:#fff}
.skc-reference-site .home-lower-reference .lower-disclosure-layout,.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout{display:grid;grid-template-columns:56px minmax(0,1fr);gap:24px;width:calc(100% - 64px);max-width:1376px;margin:0 auto;padding:30px 36px;background:#f8fbff;border:1px solid #e1eaf5;border-left:4px solid #173f78;border-radius:16px}
.skc-reference-site .lower-disclosure .disclosure-heading{display:grid;place-items:center;align-self:start;width:56px;height:56px;background:#eaf1fc;border-radius:14px}
.disclosure-heading .service-symbol{width:30px;height:30px}
.skc-reference-site .home-lower-reference .lower-disclosure .disclosure-copy,.skc-reference-site .shared-page .lower-disclosure .disclosure-copy{display:block}
.skc-reference-site .home-lower-reference .lower-disclosure-layout h2,.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout h2{font-size:23px;line-height:1.3;text-align:left;margin:0 0 14px;padding:0}
.skc-reference-site .home-lower-reference .lower-disclosure-layout .skc-copy,.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout .skc-copy{font-size:15px;line-height:1.75;color:#4b617b;columns:1;max-width:none}
@media(max-width:760px){.resource-hero-grid,.expert-hero-grid{grid-template-columns:1fr;gap:15px}.resource-hero-art,.expert-hero-art{max-width:320px;justify-self:center}.skc-reference-site .home-lower-reference .lower-disclosure-layout,.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout{width:calc(100% - 32px);padding:22px;grid-template-columns:1fr;gap:16px}.skc-reference-site .home-lower-reference .lower-disclosure-layout h2{font-size:22px}}

/* ---------------------------------------------------------------------------
   Service delivery disclosure: a licensing footnote, not a section. It used to
   close every page as a full-bleed navy band, which made a piece of small print
   the loudest thing on the page. It now reads as a footnote: hairline rule,
   small caps label, muted body, no shield tile, no ground of its own.
   --------------------------------------------------------------------------- */
.skc-reference-site .home-lower-reference .lower-disclosure,
.skc-reference-site .shared-page .home-lower-reference .lower-disclosure{
 background:#fff!important;padding:6px 0 34px!important;margin:0!important}
.skc-reference-site .home-lower-reference .lower-disclosure-layout,
.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout{
 display:block!important;width:calc(100% - 48px)!important;max-width:1200px!important;
 margin:0 auto!important;padding:16px 0 0!important;
 background:transparent!important;border:0!important;border-top:1px solid #e6ebf2!important;
 border-radius:0!important;box-shadow:none!important}
.skc-reference-site .home-lower-reference .lower-disclosure .disclosure-heading,
.skc-reference-site .shared-page .lower-disclosure .disclosure-heading{display:none!important}
.skc-reference-site .home-lower-reference .lower-disclosure .disclosure-copy,
.skc-reference-site .shared-page .lower-disclosure .disclosure-copy{display:block!important}
.skc-reference-site .home-lower-reference .lower-disclosure-layout h2,
.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout h2{
 font-size:11px!important;font-weight:700!important;letter-spacing:.9px!important;
 text-transform:uppercase!important;color:#8a99ab!important;
 line-height:1.4!important;margin:0 0 7px!important;padding:0!important;text-align:left!important}
.skc-reference-site .home-lower-reference .lower-disclosure-layout .skc-copy,
.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout .skc-copy{
 font-size:12.5px!important;line-height:1.7!important;columns:1!important;
 max-width:none!important;width:100%!important;margin:0!important}
.skc-reference-site .home-lower-reference .lower-disclosure-layout .skc-copy :is(p,li,span,strong,em),
.skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout .skc-copy :is(p,li,span,strong,em){
 font-size:inherit!important;line-height:inherit!important;color:#77879a!important;margin:0!important}
.skc-reference-site .lower-disclosure-layout .skc-copy a{
 color:#5d7490!important;text-decoration:underline;text-underline-offset:2px}
.skc-reference-site .lower-disclosure-layout .skc-copy a:hover{color:#1a4d8f!important}
.skc-reference-site .home-lower-reference .lower-disclosure+section{padding-top:0!important}
@media(max-width:700px){
 .skc-reference-site .home-lower-reference .lower-disclosure,
 .skc-reference-site .shared-page .home-lower-reference .lower-disclosure{padding-bottom:26px!important}
 .skc-reference-site .home-lower-reference .lower-disclosure-layout,
 .skc-reference-site .shared-page .home-lower-reference .lower-disclosure-layout{
  width:calc(100% - 32px)!important}}

/* The same footnote treatment where the disclosure sits inside a resource
   article (the 27 experience stories) rather than the page's lower band. */
.skc-reference-site .resource-section#service-delivery-disclosure{
 margin-top:34px;padding-top:16px;border-top:1px solid #e6ebf2}
.skc-reference-site .resource-section#service-delivery-disclosure h2{
 font-size:11px;font-weight:700;letter-spacing:.9px;text-transform:uppercase;
 color:#8a99ab;line-height:1.4;margin:0 0 7px}
.skc-reference-site .resource-section#service-delivery-disclosure .resource-copy,
.skc-reference-site .resource-section#service-delivery-disclosure .resource-copy p{
 font-size:12.5px;line-height:1.7;color:#77879a;margin:0}
.skc-reference-site .resource-section#service-delivery-disclosure a{
 color:#5d7490;text-decoration:underline;text-underline-offset:2px}
.skc-reference-site .resource-section#service-delivery-disclosure a:hover{color:#1a4d8f}

/* Hero CTA card titles: "Accounting support" overflowed its 228px box by 6px
   and wrapped to two lines while its neighbour stayed on one. */
.skc-reference-site .skc-hero-card-title{font-size:21px!important;letter-spacing:-.015em;text-wrap:balance}
@media(max-width:1199px){.skc-reference-site .skc-hero-card-title{font-size:15.5px!important}}
@media(max-width:900px){.skc-reference-site .skc-hero-card-title{font-size:14px!important}}

/* Membership marks: the real IPA and ASIC logos sit on white tiles, because
   both artworks carry a white ground that cannot be keyed out (the IPA
   lettering is itself white). */
.skc-reference-site .credential-badges>div>span.credential-mark{
 /* A block box, not grid: inside a grid or flex centre the area's height is
    indefinite, so a percentage height on the logo resolved as auto and the
    square ASIC mark kept its own aspect and grew past the tile. */
 display:block;width:74px;height:56px;padding:7px;flex-shrink:0;
 background:#fff;border:1px solid #dbe6f0;border-radius:10px}
.skc-reference-site .credential-badges>div>span.credential-mark img{
 width:100%;height:100%;object-fit:contain;object-position:center;display:block}
.skc-reference-site .credential-badges>div>span.credential-mark-text{
 display:grid;place-items:center;font-weight:800;font-size:13px;letter-spacing:.03em;
 color:#1a4d8f;background:#eef4fb;border-color:#d5e2f2}
/* Reserved credential slots: greyed, dashed, clearly "coming soon" — room to grow. */
.skc-reference-site .credential-badges>div.cred-placeholder{border-style:dashed;border-color:#dcd8cf;background:#f7f6f2;opacity:.72}
.skc-reference-site .credential-badges>div.cred-placeholder>span.credential-mark{background:#f0efe9;border-color:#e0ddd4;color:#a49c8c}
.skc-reference-site .credential-badges>div.cred-placeholder p{color:#9a9488}
.skc-reference-site .cred-soon{display:block;font-size:10.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:#b3aa93;margin-top:3px}
/* About director badges: same live + reserved credential treatment, in the bio's pill style. */
.skc-reference-site .company-profile-badges{flex-wrap:wrap;gap:16px 24px}
.skc-reference-site .company-profile-badges .cred-placeholder{opacity:.62}
.skc-reference-site .company-profile-badges .cred-soon{color:#9aa8b5}
@media(max-width:900px){.skc-reference-site .credential-badges>div>span.credential-mark{width:62px;height:48px}}

/* ---------------------------------------------------------------------------
   Card tones. One table drives the six repeating card colours: the box
   background, its resting border, a hover border that is the same colour taken
   a few steps darker, and the ink + disc tint for the icon inside. The industry
   icons were a single green regardless of which box they sat in.
   --------------------------------------------------------------------------- */
.skc-reference-site .home-lower-reference .lower-industry,
.skc-reference-site .skc-source-audience-card{
 --tone-border:#eef5ff;--tone-hover:#cddff5;--tone-ink:#1572ed;--tone-badge:#e7f0ff}
.skc-reference-site .home-lower-reference .lower-industry:nth-child(6n+2),
.skc-reference-site .skc-source-audience-card:nth-child(6n+2){
 --tone-border:#ecf7f4;--tone-hover:#c9e6dc;--tone-ink:#30a882;--tone-badge:#e3f3ed}
.skc-reference-site .home-lower-reference .lower-industry:nth-child(6n+3),
.skc-reference-site .skc-source-audience-card:nth-child(6n+3){
 --tone-border:#e9f7f8;--tone-hover:#c5e6ea;--tone-ink:#17a5b1;--tone-badge:#e0f3f5}
.skc-reference-site .home-lower-reference .lower-industry:nth-child(6n+4),
.skc-reference-site .skc-source-audience-card:nth-child(6n+4){
 --tone-border:#fef3e3;--tone-hover:#f2ddb8;--tone-ink:#c9872c;--tone-badge:#fcefda}
.skc-reference-site .home-lower-reference .lower-industry:nth-child(6n+5),
.skc-reference-site .skc-source-audience-card:nth-child(6n+5){
 --tone-border:#f0eafa;--tone-hover:#dccef1;--tone-ink:#7c4dbe;--tone-badge:#efe7fa}
.skc-reference-site .home-lower-reference .lower-industry:nth-child(6n+6),
.skc-reference-site .skc-source-audience-card:nth-child(6n+6){
 --tone-border:#faece9;--tone-hover:#f2cec6;--tone-ink:#d2568c;--tone-badge:#fbe7ef}

/* Industry icon: tinted disc, low-opacity body, stroked outline — the same
   construction as the services and values icons. */
.skc-reference-site .industry-art{position:relative;margin:auto;display:grid;place-items:center;isolation:auto}
/* the disc is round, so every placement gets a square box */
.skc-reference-site .lower-industry .industry-art{width:116px;height:116px}
.skc-reference-site .shared-hero-art>.industry-art{width:250px!important;height:250px!important}
.skc-reference-site .shared-service-card .industry-art{width:110px!important;height:110px!important}
.skc-reference-site .home-lower-reference .industry-0 .industry-art{width:150px;height:150px}
.skc-reference-site .industry-art>svg{width:100%!important;height:100%!important;filter:none!important;overflow:visible}
.skc-reference-site .industry-badge{fill:var(--tone-badge,#e7f0ff)}
.skc-reference-site .industry-fill{fill:var(--tone-ink,#1572ed);opacity:.22;stroke:none}
.skc-reference-site .industry-glyph{
 fill:none;stroke:var(--tone-ink,#1572ed);stroke-width:3.2;stroke-linecap:round;stroke-linejoin:round}
/* the rotated paper panel and floating tick belonged to the old treatment */
.skc-reference-site .industry-art>span,.skc-reference-site .industry-art>i{display:none!important}

/* Hover: the same lift and shadow on all three card families, with the border
   deepening to the darker step of its own tone rather than a saturated ink. */
.skc-reference-site .home-lower-reference .lower-industry,
.skc-reference-site .skc-source-audience-card{
 transition:transform .4s cubic-bezier(.2,.7,.2,1),box-shadow .4s,border-color .4s!important}
.skc-reference-site .home-lower-reference .lower-industry:is(:hover,:focus-within),
.skc-reference-site .skc-source-audience-card:is(:hover,:focus-visible),
.skc-reference-site .skc-source-audience-card:hover{
 transform:translateY(-6px);box-shadow:0 18px 35px #001f4c0e!important;
 border-color:var(--tone-hover)!important}
.skc-reference-site .home-lower-reference .lower-industry:has(a:hover){box-shadow:0 18px 35px #001f4c0e}
@media(prefers-reduced-motion:reduce){
 .skc-reference-site .home-lower-reference .lower-industry:is(:hover,:focus-within),
 .skc-reference-site .skc-source-audience-card:hover{transform:none}}

/* ---------------------------------------------------------------------------
   Inner pages: the same card system as the home page. These families already
   carried the six tone backgrounds, but their icons were one flat line colour
   and their hover did nothing, so a service page never matched the home grid.
   --------------------------------------------------------------------------- */
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article){
 --tone-border:#eef5ff;--tone-hover:#cddff5;--tone-ink:#1572ed;--tone-badge:#e7f0ff}
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article):nth-child(6n+2){
 --tone-border:#ecf7f4;--tone-hover:#c9e6dc;--tone-ink:#30a882;--tone-badge:#e3f3ed}
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article):nth-child(6n+3){
 --tone-border:#e9f7f8;--tone-hover:#c5e6ea;--tone-ink:#17a5b1;--tone-badge:#e0f3f5}
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article):nth-child(6n+4){
 --tone-border:#fef3e3;--tone-hover:#f2ddb8;--tone-ink:#c9872c;--tone-badge:#fcefda}
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article):nth-child(6n+5){
 --tone-border:#f0eafa;--tone-hover:#dccef1;--tone-ink:#7c4dbe;--tone-badge:#efe7fa}
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article):nth-child(6n+6){
 --tone-border:#faece9;--tone-hover:#f2cec6;--tone-ink:#d2568c;--tone-badge:#fbe7ef}

/* Icon inside a toned card: tinted disc, body filled low, outline on top. */
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.plan-principle,.learning-panel,
 .benefit-panel,.company-value-deck>article) .service-symbol{
 width:52px;height:52px;padding:11px;border-radius:50%;
 background:var(--tone-badge)!important;color:var(--tone-ink)!important;
 box-sizing:border-box;flex-shrink:0}
.skc-reference-site .service-symbol .service-fill{fill:currentColor;stroke:none;opacity:.22}

/* Hover: identical to the home cards. */
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.learning-panel,
 .benefit-panel,.company-value-deck>article){
 transition:transform .4s cubic-bezier(.2,.7,.2,1),box-shadow .4s,border-color .4s}
.skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
 .resource-index-card,.specialist-card,.expert-plan-card,.learning-panel,
 .benefit-panel,.company-value-deck>article):is(:hover,:focus-within){
 transform:translateY(-6px);box-shadow:0 18px 35px #001f4c0e;border-color:var(--tone-hover)!important}
@media(prefers-reduced-motion:reduce){
 .skc-reference-site :is(.service-card,.shared-service-card,.directory-card,.reference-service-tile,
  .resource-index-card,.specialist-card,.expert-plan-card,.learning-panel,
  .benefit-panel,.company-value-deck>article):is(:hover,:focus-within){transform:none}}

/* ---------------------------------------------------------------------------
   Hero portrait over the hero graphic, as on the home page. The graphic was
   anchored to the left edge while the portrait was anchored right, so their
   relationship drifted with viewport width: a 57px gap at 1440, a 60px overlap
   at 1200, 146px at 1024. Anchoring the graphic from the right too keeps the
   overlap constant at every width.
   --------------------------------------------------------------------------- */
.skc-reference-site .service-hero-portrait{--hero-photo:340px;--hero-lap:110px}
@media(min-width:1500px){.skc-reference-site .service-hero-portrait{--hero-photo:375px;--hero-lap:120px}}
@media(max-width:1000px){.skc-reference-site .service-hero-portrait{--hero-photo:280px;--hero-lap:90px}}
.skc-reference-site .service-hero-portrait .service-hero-graphic{
 left:auto!important;right:calc(var(--hero-photo) - var(--hero-lap))!important}
@media(max-width:700px){
 /* the mobile hero stacks and centres, so the overlap rule is dropped there */
 .skc-reference-site .service-hero-portrait .service-hero-graphic{right:auto!important;left:0!important}
}

/* Portrait-over-graphic heroes. The service heroes are the reference: a 490px
   media box, the photo absolute against its bottom-right corner, and the card
   inset from the top and right so it crosses the figure. Resource and expert
   heroes now resolve to exactly those numbers, and the intro section reuses the
   mechanism at its own smaller size. */
.skc-reference-site .hero-art-portrait{position:relative;isolation:isolate;padding:0}
.skc-reference-site .hero-art-photo{
 position:absolute;right:0;bottom:0;width:auto;height:100%;max-height:none;
 object-fit:contain;object-position:50% 100%;z-index:0;pointer-events:none}
.skc-reference-site .hero-art-portrait .subject-graphic{
 position:absolute;z-index:2;margin:0;max-width:none}

/* The service hero photo is 2:3 while its authored box is 340x425, so
   object-fit:contain fitted by height and left dead space either side. Sizing it
   from the image's own aspect lets the portrait use the full height of the box. */
.skc-reference-site .service-hero-portrait .service-hero-person{
 width:auto!important;height:100%!important;max-width:none}
@media(min-width:1500px){
 .skc-reference-site .service-hero-portrait .service-hero-person{height:100%!important}}

.skc-reference-site :is(.expert-hero-art,.resource-hero-art).hero-art-portrait{
 height:490px;min-height:490px;width:100%;max-width:574px;justify-self:end;align-self:end}
.skc-reference-site :is(.expert-hero-art,.resource-hero-art) .subject-graphic{
 top:90px;right:230px;width:260px}

.skc-reference-site .service-intro-art.hero-art-portrait{
 height:420px;min-height:420px;width:100%;max-width:420px}
.skc-reference-site .service-intro-art .subject-graphic{top:58px;right:150px;width:230px}

@media(max-width:1200px){
 .skc-reference-site :is(.expert-hero-art,.resource-hero-art).hero-art-portrait{
  height:430px;min-height:430px;max-width:500px}
 .skc-reference-site :is(.expert-hero-art,.resource-hero-art) .subject-graphic{
  top:78px;right:200px;width:230px}
 .skc-reference-site .service-intro-art.hero-art-portrait{height:360px;min-height:360px;max-width:360px}
 .skc-reference-site .service-intro-art .subject-graphic{top:50px;right:128px;width:200px}}
@media(max-width:900px){
 .skc-reference-site :is(.expert-hero-art,.resource-hero-art).hero-art-portrait{
  height:360px;min-height:360px;max-width:420px;justify-self:center}
 .skc-reference-site :is(.expert-hero-art,.resource-hero-art) .subject-graphic{
  top:64px;right:168px;width:196px}
 .skc-reference-site .service-intro-art.hero-art-portrait{height:320px;min-height:320px;max-width:320px;justify-self:center}
 .skc-reference-site .service-intro-art .subject-graphic{top:44px;right:114px;width:178px}}
@media(max-width:560px){
 .skc-reference-site :is(.expert-hero-art,.resource-hero-art).hero-art-portrait{
  height:300px;min-height:300px;max-width:340px}
 .skc-reference-site :is(.expert-hero-art,.resource-hero-art) .subject-graphic{
  top:52px;right:136px;width:164px}
 .skc-reference-site .service-intro-art.hero-art-portrait{height:280px;min-height:280px;max-width:300px}
 .skc-reference-site .service-intro-art .subject-graphic{top:38px;right:106px;width:158px}}

/* Industries directory: search field, group counts and empty states. The grid
   and card styling already existed in skc-components.css; this adds the parts
   the interactive layer needs. */
.skc-reference-site .directory{margin:34px 0 8px}
.skc-reference-site .directory-search{
 position:relative;display:flex;align-items:center;gap:10px;flex-wrap:wrap;
 max-width:560px;margin:0 0 26px}
.skc-reference-site .directory-search-icon{
 position:absolute;left:16px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:#7d8ea3;pointer-events:none}
.skc-reference-site .directory-input{
 flex:1 1 260px;min-width:0;font:inherit;font-size:15px;color:#14243c;
 padding:13px 16px 13px 44px;border:1.5px solid #dbe4ef;border-radius:12px;background:#fff;
 transition:border-color .2s,box-shadow .2s}
.skc-reference-site .directory-input::placeholder{color:#8a99ad}
.skc-reference-site .directory-input:focus{
 outline:none;border-color:#1572ed;box-shadow:0 0 0 3px #1572ed26}
.skc-reference-site .directory-input::-webkit-search-cancel-button{display:none}
.skc-reference-site .directory-clear{
 font:inherit;font-size:13.5px;font-weight:600;color:#1572ed;background:none;border:0;
 padding:8px 10px;border-radius:8px;cursor:pointer}
.skc-reference-site .directory-clear:hover{background:#eef5ff}
.skc-reference-site .directory-clear:focus-visible{outline:2px solid #1572ed;outline-offset:2px}
.skc-reference-site .directory-status{
 flex:1 0 100%;margin:2px 0 0;font-size:13px;color:#5b6c80;min-height:1.2em}
.skc-reference-site .directory-count{
 float:right;font-size:13px;font-weight:600;color:#5b6c80;background:#ffffffb8;
 border-radius:999px;padding:3px 10px;margin-left:10px}
.skc-reference-site .directory-none,.skc-reference-site .directory-empty{
 font-size:14px;color:#5b6c80;margin:6px 0 0}
.skc-reference-site .directory-empty{
 padding:26px;text-align:center;background:#f8fbff;border:1px dashed #cddff5;border-radius:16px}
.skc-reference-site .directory-card{transition:box-shadow .3s,transform .3s}
.skc-reference-site .directory-card li[hidden]{display:none!important}
@media(max-width:700px){
 .skc-reference-site .directory-search{max-width:none}
 .skc-reference-site .directory-input{flex-basis:100%}}

/* Collapsed by default: ten category headings instead of 190 stacked entries.
   <details> means this still opens and closes with no JavaScript. */
.skc-reference-site details.directory-card{padding:0;overflow:hidden}
.skc-reference-site details.directory-card>summary{
 display:flex;align-items:center;gap:12px;cursor:pointer;list-style:none;
 padding:20px 22px;font-weight:600;font-size:17px;line-height:1.3;color:#14243c}
.skc-reference-site details.directory-card>summary::-webkit-details-marker{display:none}
.skc-reference-site details.directory-card>summary::after{
 content:"";margin-left:auto;flex:none;width:9px;height:9px;
 border-right:2px solid #5b6c80;border-bottom:2px solid #5b6c80;
 transform:rotate(45deg) translate(-2px,-2px);transition:transform .25s}
.skc-reference-site details.directory-card[open]>summary::after{transform:rotate(-135deg) translate(-2px,-2px)}
.skc-reference-site details.directory-card>summary:focus-visible{outline:2px solid #1572ed;outline-offset:-3px;border-radius:20px}
.skc-reference-site .directory-name a{color:inherit;text-decoration:none}
.skc-reference-site .directory-name a:hover{text-decoration:underline}
.skc-reference-site details.directory-card .directory-count{float:none;margin-left:0}
.skc-reference-site details.directory-card>ul{margin:0;padding:0 22px 20px}
.skc-reference-site details.directory-card>.directory-none{padding:0 22px 20px}
@media(prefers-reduced-motion:reduce){
 .skc-reference-site details.directory-card>summary::after{transition:none}}

/* the icon sits inside the field, not the two-row search block */
.skc-reference-site .directory-field{position:relative;display:block;flex:1 1 260px;min-width:0}
.skc-reference-site .directory-search-icon{top:50%}
.skc-reference-site .directory-input{width:100%;flex:none}
/* a category whose entries are listed further down the page keeps its link
   without pretending to be an empty accordion */
.skc-reference-site .directory-card-plain{
 display:flex;align-items:center;padding:20px 22px;font-weight:600;font-size:17px;color:#14243c}

/* Lists of short entries read better in columns; RichContent tags only those,
   because CSS cannot tell a 30-item index from a one-sentence prose list. */
.skc-reference-site .shared-copy ul.column-list{
 columns:4 190px;column-gap:30px;list-style:none;padding:0}
.skc-reference-site .shared-copy ul.column-list>li{
 break-inside:avoid;-webkit-column-break-inside:avoid;margin:0;padding:5px 0 5px 16px;position:relative}
.skc-reference-site .shared-copy ul.column-list>li::before{
 content:"";position:absolute;left:0;top:12px;width:5px;height:5px;border-radius:50%;background:#1572ed;opacity:.45}
@media(max-width:700px){
 .skc-reference-site .shared-copy ul.column-list{columns:2 140px;column-gap:18px}}

/* ---- long intro tail (industries hub) ------------------------------------
   The locked source ships this tail as flat paragraphs and bullets, so the
   structure lives in RichContent's markup and these rules give it hierarchy. */
.skc-reference-site .shared-copy .copy-heading{
 font-size:26px;line-height:1.25;letter-spacing:-.6px;color:#0f2744;margin:38px 0 14px}
.skc-reference-site .shared-copy .copy-heading:first-child{margin-top:0}
.skc-reference-site .shared-copy .copy-note{
 margin:16px 0 0;padding:15px 18px;background:#fff;border:1px solid #dfe8f4;
 border-left:3px solid #1572ed;border-radius:0 14px 14px 0;
 font-size:15px;line-height:1.55;color:#1f3a5c}
.skc-reference-site .shared-copy .copy-note-label{
 display:block;font-size:11px;font-weight:700;letter-spacing:.8px;
 text-transform:uppercase;color:#7c8fa8;margin-bottom:5px}

.skc-reference-site .stage-rail{
 display:block;margin:46px 0 0;padding:38px 0 0;border-top:1px solid #dfe7f2}
.skc-reference-site .stage-rail-title{
 font-size:clamp(26px,3vw,36px);line-height:1.2;letter-spacing:-1px;color:#0f2744;margin:0 0 14px}
.skc-reference-site .stage-rail-lead{max-width:760px;margin:0 0 30px}
.skc-reference-site .stage-rail-lead p{margin:0 0 10px}
.skc-reference-site .stage-rail-lead p:first-child{
 font-size:19px;line-height:1.45;font-weight:600;color:#1b3a5e}
.skc-reference-site .stage-rail-lead p:last-child{margin-bottom:0}
.skc-reference-site .stage-list{
 list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(290px,1fr));
 gap:18px;padding:0;margin:0}
.skc-reference-site .stage-card{
 position:relative;margin:0;padding:26px 26px 24px;background:#f6f9fe;
 border:1px solid #e2eaf5;border-radius:20px;transition:border-color .2s,background .2s}
.skc-reference-site .stage-card:hover{border-color:#bed3ee;background:#f1f6fd}
.skc-reference-site .stage-card:nth-child(2){background:#f7f5fd;border-color:#e6e2f4}
.skc-reference-site .stage-card:nth-child(2):hover{border-color:#cfc7ea;background:#f3f0fb}
.skc-reference-site .stage-card:nth-child(3){background:#fff6f1;border-color:#f4e4d9}
.skc-reference-site .stage-card:nth-child(3):hover{border-color:#eccdb8;background:#fdf1ea}
.skc-reference-site .stage-card:nth-child(4){background:#f2faf6;border-color:#dbeee5}
.skc-reference-site .stage-card:nth-child(4):hover{border-color:#bcdfcd;background:#ecf7f2}
.skc-reference-site .stage-card:nth-child(5){background:#f5f8fb;border-color:#e0e8f0}
.skc-reference-site .stage-card:nth-child(5):hover{border-color:#c3d3e2;background:#eff4f9}
.skc-reference-site .stage-step{
 display:block;font-size:12px;font-weight:700;letter-spacing:2px;color:#8ea3bf;margin-bottom:8px}
.skc-reference-site .stage-name{
 font-size:22px;line-height:1.25;letter-spacing:-.5px;color:#12324f;margin:0 0 14px}
.skc-reference-site .stage-body>p{font-size:15px;line-height:1.6;color:#4a6280;margin:0 0 12px}
.skc-reference-site .stage-body>ul{
 display:flex;flex-wrap:wrap;gap:7px;columns:auto;list-style:none;padding:0;margin:0 0 4px}
.skc-reference-site .stage-body>ul>li{
 margin:0;padding:6px 13px;background:#fff;border:1px solid #dde6f3;border-radius:999px;
 font-size:13.5px;line-height:1.35;color:#39516f}
.skc-reference-site .stage-body>ul>li::before{content:none}
.skc-reference-site .stage-body>ul>li p{margin:0;font:inherit;color:inherit}
.skc-reference-site .stage-body .copy-note{margin-top:14px}
@media(max-width:700px){
 .skc-reference-site .stage-rail{margin-top:32px;padding-top:28px}
 .skc-reference-site .stage-card{padding:22px}
 .skc-reference-site .shared-copy .copy-heading{font-size:23px;margin-top:30px}}

/* ---- the welcome note that opens /about/ --------------------------------
   Twelve short paragraphs read as a letter, so they get a letter's shape:
   a titled left rail and the copy in two columns beside it. */
.skc-reference-site .company-welcome{padding:56px 0 10px}
.skc-reference-site .company-welcome-panel{
 display:grid;grid-template-columns:300px 1fr;gap:52px;align-items:start;
 padding:44px 48px;border-radius:26px;background:#f4f8fd;border:1px solid #e2eaf5}
.skc-reference-site .company-welcome-heading{position:relative}
.skc-reference-site .company-welcome-heading h2{
 font-size:34px;line-height:1.15;letter-spacing:-1px;color:#0f2744;margin:12px 0 22px}
.skc-reference-site .company-welcome-heading .service-symbol{width:54px;height:54px;color:#1a4d8f}
.skc-reference-site .company-welcome-copy{columns:2;column-gap:44px}
.skc-reference-site .company-welcome-copy p{
 break-inside:avoid;font-size:15.5px;line-height:1.7;color:#43607f;margin:0 0 14px}
.skc-reference-site .company-welcome-copy p:first-child{
 font-size:19px;line-height:1.55;font-weight:600;color:#173d63;column-span:all;margin-bottom:20px}
.skc-reference-site .company-welcome-copy p:last-child{
 column-span:all;margin:6px 0 0;padding-top:18px;border-top:1px solid #dae4f0;
 font-size:18px;font-weight:600;color:#173d63}
@media(max-width:900px){
 .skc-reference-site .company-welcome{padding:34px 0 0}
 .skc-reference-site .company-welcome-panel{grid-template-columns:1fr;gap:22px;padding:26px 24px}
 .skc-reference-site .company-welcome-heading h2{font-size:28px;margin-bottom:0}
 .skc-reference-site .company-welcome-heading .service-symbol{
  position:absolute;right:0;top:0;width:40px;height:40px}
 .skc-reference-site .company-welcome-copy{columns:auto}
 .skc-reference-site .company-welcome-copy p:first-child{font-size:17px}
 .skc-reference-site .company-welcome-copy p:last-child{font-size:16px}}

/* ---- home hero cards ------------------------------------------------------
   The reference site's hover is a coloured tab sitting behind the card: on hover
   it fades in and rises a few pixels, so a line of copy appears above the card
   while the rest stays hidden behind it, and the card's border takes the accent.
   Same mechanism here, in SKC navy, plus the lift the cards were given. */
.skc-reference-site .skc-hero-card-flag{
 position:absolute;left:0;top:-30px;width:100%;height:144px;
 display:block;padding:7px 14px 0;text-align:center;
 background:#001f4c;color:#fff;font-size:12.5px;font-weight:650;line-height:1.35;
 letter-spacing:.1px;border-radius:20px;z-index:-1;opacity:0;
 transition:opacity .45s ease,transform .45s ease;pointer-events:none}
.skc-reference-site .skc-hero-card:hover .skc-hero-card-flag,
.skc-reference-site .skc-hero-card:focus-visible .skc-hero-card-flag{
 opacity:1;transform:translateY(-4px)}
@media(max-width:767px){.skc-reference-site .skc-hero-card-flag{display:none}}
@media(prefers-reduced-motion:reduce){
 .skc-reference-site .skc-hero-card-flag{transition:opacity .45s ease}
 .skc-reference-site .skc-hero-card:hover .skc-hero-card-flag{transform:none}}

/* The card owns the stacking context, so the tab's negative z-index puts it
   behind the card face instead of letting it escape behind the hero itself. */
.skc-reference-site .skc-hero-card{position:relative;display:block;text-decoration:none;isolation:isolate}
.skc-reference-site .skc-hero-card>div{
 transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease!important}
.skc-reference-site .skc-hero-card:hover>div,
.skc-reference-site .skc-hero-card:focus-visible>div{
 transform:translateY(-6px);
 border-color:#001f4c!important;
 box-shadow:0 22px 46px rgba(0,31,76,.18)!important}
.skc-reference-site .skc-hero-card:focus-visible{outline:none}
.skc-reference-site .skc-hero-card:focus-visible>div{
 outline:3px solid #dcb15f;outline-offset:3px}
@media(prefers-reduced-motion:reduce){
 .skc-reference-site .skc-hero-card:hover>div{transform:none}}

/* The booking form is a jump target, so it clears the sticky header and still
   shows the heading that introduces it. */
.skc-reference-site #enquiry{scroll-margin-top:150px}

/* ---- enquiry form --------------------------------------------------------
   The form is the only thing on the site a visitor has to work through, so it
   is built to be answered rather than filled in: the enquiry type is a row of
   tiles that reveals one follow-up question, every text field floats its own
   label, and the consultation slot is picked from a calendar rather than typed
   into a box. All of it upgrades markup that still works with scripting off. */
.skc-reference-site .enquiry-form{display:grid;gap:26px}
.skc-reference-site .enquiry-form .ef-block{border:0;padding:0;margin:0;min-width:0}
.skc-reference-site .enquiry-form .ef-legend{
 display:block;padding:0;font-size:15px;font-weight:650;color:#12324f;margin:0 0 12px}
.skc-reference-site .enquiry-form .ef-req{color:#c0392b;font-weight:600}
.skc-reference-site .enquiry-form .optional{color:#8a99ab;font-weight:400;font-size:13px}

/* completion meter */
.skc-reference-site .ef-progress{display:flex;align-items:center;gap:12px;margin:0}
.skc-reference-site .ef-progress-track{
 flex:1;height:6px;border-radius:99px;background:#e6edf6;overflow:hidden}
.skc-reference-site .ef-progress-fill{
 display:block;height:100%;width:0;border-radius:99px;background:#1572ed;transition:width .3s ease}
.skc-reference-site .ef-progress-label{font-size:12.5px;color:#7b8ca1;white-space:nowrap}

/* enquiry-type tiles */
.skc-reference-site .ef-tiles{
 display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:12px}
/* .enquiry-form label is a column flexbox from an earlier layer, so the tile
   states its own axis, gap and margin rather than inheriting three of them. */
.skc-reference-site .ef-tile{
 position:relative;display:flex;flex-direction:column;gap:11px;align-items:stretch;cursor:pointer;
 margin:0;padding:16px 16px 15px;border:1px solid #dbe4f0;border-radius:16px;background:#fbfcff;
 transition:border-color .18s ease,background .18s ease,box-shadow .18s ease,transform .18s ease}
.skc-reference-site .ef-tile:hover{border-color:#b9cde9;background:#f4f8fe;transform:translateY(-2px)}
.skc-reference-site .ef-tile input{position:absolute;opacity:0;width:1px;height:1px;margin:0}
.skc-reference-site .ef-tile-mark{
 display:grid;place-items:center;flex:none;width:38px;height:38px;border-radius:11px;
 background:#eaf1fc;color:#1a4d8f}
.skc-reference-site .ef-tile-mark .service-symbol{width:22px;height:22px}
.skc-reference-site .ef-tile-text{display:grid;gap:3px;min-width:0}
.skc-reference-site .ef-tile-name{font-size:15px;font-weight:650;color:#12324f;line-height:1.3}
.skc-reference-site .ef-tile-hint{font-size:12.5px;color:#7b8ca1;line-height:1.4}
.skc-reference-site .ef-tile:has(input:checked){
 border-color:#1572ed;background:#eef5ff;box-shadow:0 0 0 1px #1572ed inset}
.skc-reference-site .ef-tile:has(input:checked) .ef-tile-mark{background:#1572ed;color:#fff}
.skc-reference-site .ef-tile:has(input:focus-visible){outline:3px solid #dcb15f;outline-offset:2px}

/* chip option groups */
.skc-reference-site .ef-chips{display:flex;flex-wrap:wrap;gap:9px}
.skc-reference-site .ef-chip{position:relative;display:block;margin:0;cursor:pointer}
.skc-reference-site .ef-chip input{position:absolute;opacity:0;width:1px;height:1px;margin:0}
.skc-reference-site .ef-chip>span{
 display:block;padding:9px 16px;border:1px solid #dbe4f0;border-radius:99px;background:#fff;
 font-size:14px;color:#3c5773;transition:all .16s ease}
.skc-reference-site .ef-chip:hover>span{border-color:#b9cde9;background:#f4f8fe}
.skc-reference-site .ef-chip:has(input:checked)>span{
 border-color:#1572ed;background:#1572ed;color:#fff}
.skc-reference-site .ef-chip:has(input:focus-visible)>span{outline:3px solid #dcb15f;outline-offset:2px}
/* The branch sits inside .ef-block, which zeroes fieldset padding, so it has to
   match that rule's weight or its tint runs edge to edge behind the chips. */
.skc-reference-site .enquiry-form .ef-branch{
 padding:20px 22px 22px;border:1px dashed #cdddf1;border-radius:16px;background:#f7fafe;
 animation:ef-reveal .25s ease}
/* A legend straddles the top border by default, so it is floated into the flow
   to sit inside the padding with everything else. */
.skc-reference-site .enquiry-form .ef-branch>.ef-legend{float:left;width:100%;margin:0 0 14px}
.skc-reference-site .enquiry-form .ef-branch>.ef-chips{clear:both}
@keyframes ef-reveal{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.skc-reference-site .ef-branch{animation:none}}

/* floating-label fields */
.skc-reference-site .enquiry-form .ef-grid{
 display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin:0}
.skc-reference-site .enquiry-form .ef-field{position:relative;margin:0;min-width:0}
.skc-reference-site .enquiry-form .ef-field>:is(input,textarea){
 width:100%;padding:22px 14px 9px;border:1px solid #c6d4e4;border-radius:12px;background:#fff;
 font-size:16px;color:#001f4c;font-family:inherit;transition:border-color .16s ease,box-shadow .16s ease}
.skc-reference-site .enquiry-form .ef-field>textarea{padding-top:26px;resize:vertical}
.skc-reference-site .enquiry-form .ef-field>:is(input,textarea):focus{
 outline:none;border-color:#1572ed;box-shadow:0 0 0 3px rgba(21,114,237,.16)}
.skc-reference-site .enquiry-form .ef-field>label{
 position:absolute;left:15px;top:16px;font-size:15px;color:#7b8ca1;pointer-events:none;
 transition:transform .16s ease,font-size .16s ease,color .16s ease;transform-origin:0 0}
.skc-reference-site .enquiry-form .ef-field>:is(input,textarea):focus+label,
.skc-reference-site .enquiry-form .ef-field>:is(input,textarea):not(:placeholder-shown)+label{
 transform:translateY(-9px) scale(.78);color:#5a708c}
.skc-reference-site .enquiry-form .ef-field.is-invalid>:is(input,textarea){border-color:#c0392b}

/* inline errors */
.skc-reference-site .enquiry-form .ef-error{
 display:block;margin:6px 0 0;font-size:12.5px;color:#c0392b}
.skc-reference-site .enquiry-form .ef-trap{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* send status + success panel */
.skc-reference-site .enquiry-form [data-form-status]:not(:empty){
 margin:0;padding:12px 16px;border-radius:12px;font-size:14px;line-height:1.5;
 background:#f7fafe;color:#3c5773;border:1px solid #dbe4f0}
.skc-reference-site .ef-success{
 padding:28px 26px;border:1px solid #bfe3cc;border-radius:16px;background:#f1faf4}
.skc-reference-site .ef-success-title{
 margin:0 0 8px;font-size:19px;font-weight:650;color:#1a7f4b}
.skc-reference-site .ef-success p:last-child{margin-bottom:0}

/* consultation date, time and zone */
.skc-reference-site .ef-when-enhanced .ef-when-fallback{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.skc-reference-site .ef-when-picker{
 display:grid;grid-template-columns:minmax(0,280px) minmax(0,1fr);gap:26px;
 padding:20px 22px;border:1px solid #dbe4f0;border-radius:18px;background:#fbfcff}
.skc-reference-site .ef-cal-head{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-bottom:10px}
.skc-reference-site .ef-cal-title{font-size:15px;font-weight:650;color:#12324f}
.skc-reference-site .ef-cal-nav{
 width:30px;height:30px;border:1px solid #d5e0ee;border-radius:9px;background:#fff;
 color:#33557a;font-size:17px;line-height:1;cursor:pointer}
.skc-reference-site .ef-cal-nav:hover:not(:disabled){border-color:#1572ed;color:#1572ed}
.skc-reference-site .ef-cal-nav:disabled{opacity:.35;cursor:default}
.skc-reference-site .ef-cal-days,.skc-reference-site .ef-cal-grid{
 display:grid;grid-template-columns:repeat(7,1fr);gap:4px}
.skc-reference-site .ef-cal-days span{
 text-align:center;font-size:11px;font-weight:700;color:#9aa9bb;padding-bottom:4px}
.skc-reference-site .ef-day{
 aspect-ratio:1;border:1px solid transparent;border-radius:9px;background:#fff;
 font-size:13.5px;color:#33557a;cursor:pointer;transition:all .14s ease}
.skc-reference-site .ef-day:hover:not(:disabled):not([aria-pressed=true]){border-color:#1572ed;color:#1572ed}
.skc-reference-site .ef-day:disabled{color:#c3cddb;background:transparent;cursor:default}
.skc-reference-site .ef-day.is-today{font-weight:750;box-shadow:inset 0 0 0 1px #cfdcec}
.skc-reference-site .ef-day[aria-pressed=true]{background:#1572ed;border-color:#1572ed;color:#fff;font-weight:650}
/* the chosen day and time still answer a hover: the ground darkens, the
   label stays white */
.skc-reference-site .ef-day[aria-pressed=true]:hover,
.skc-reference-site .ef-slot[aria-pressed=true]:hover{
 background:#0f57b5;border-color:#0f57b5;color:#fff}
.skc-reference-site .ef-slots-title{font-size:13px;color:#7b8ca1;margin:0 0 10px}
.skc-reference-site .ef-slot-grid{display:flex;flex-wrap:wrap;gap:7px;margin-bottom:16px}
.skc-reference-site .ef-slot{
 padding:8px 13px;border:1px solid #dbe4f0;border-radius:99px;background:#fff;
 font-size:13.5px;color:#3c5773;cursor:pointer;transition:all .14s ease}
.skc-reference-site .ef-slot:hover:not([aria-pressed=true]){border-color:#b9cde9;background:#f4f8fe}
.skc-reference-site .ef-slot[aria-pressed=true]{background:#1572ed;border-color:#1572ed;color:#fff}
.skc-reference-site .ef-zone{display:grid;gap:6px;margin:0;max-width:300px}
.skc-reference-site .ef-zone span{font-size:12px;font-weight:650;color:#7b8ca1}
.skc-reference-site .ef-zone select{
 width:100%;padding:10px 12px;border:1px solid #c6d4e4;border-radius:10px;background:#fff;
 font-size:14.5px;color:#001f4c}
.skc-reference-site .ef-when-summary{
 margin:14px 0 0;font-size:14px;font-weight:600;color:#12324f}
.skc-reference-site .ef-when-summary:not(:empty){
 padding:11px 14px;border-left:3px solid #1572ed;background:#eef5ff;border-radius:0 10px 10px 0}
.skc-reference-site .ef-when-clear{
 margin-top:10px;border:0;background:none;padding:0;font-size:12.5px;color:#5a708c;
 text-decoration:underline;cursor:pointer}

@media(max-width:820px){
 .skc-reference-site .ef-when-picker{grid-template-columns:1fr;gap:20px;padding:16px}
 .skc-reference-site .ef-tiles{grid-template-columns:1fr}
 .skc-reference-site .enquiry-form .ef-grid{grid-template-columns:1fr}}

/* A hero portrait stands on the bottom edge of its band, the way the service
   heroes already do. With the band's own padding underneath, the figure floats
   above a strip of ground instead. */
.skc-reference-site .resource-heading:has(.hero-art-portrait),
.skc-reference-site .expert-opening:has(.hero-art-portrait){padding-bottom:0}
.skc-reference-site :is(.resource-hero-art,.expert-hero-art).hero-art-portrait{align-self:end}

/* ---- "Understanding your business" -----------------------------------------
   The section ran a title block, a short paragraph and one small card across a
   1280px row, which left most of it empty. It now reads as a pair: the copy on
   one side, a portrait with the card overlapping it on the other, the same way
   every hero on the site is built. */
.skc-reference-site .service-intro:not(.service-intro-directory)>.component-container{
 grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);
 grid-template-areas:"title art" "copy art";
 grid-template-rows:min-content min-content;
 align-content:center;align-items:start;gap:18px 60px}
.skc-reference-site .service-intro:not(.service-intro-directory) .service-intro-title{grid-area:title}
.skc-reference-site .service-intro:not(.service-intro-directory)>.shared-copy{grid-area:copy}
.skc-reference-site .service-intro-art{grid-area:art;align-self:center;justify-self:center;width:100%;max-width:420px}
@media(max-width:900px){
 .skc-reference-site .service-intro:not(.service-intro-directory)>.component-container{
  grid-template-columns:1fr;grid-template-areas:"title" "art" "copy";gap:18px}}

/* ---- service delivery disclosure, in the footer ----------------------------
   It used to close 80 of the 201 pages as a section of its own. It is a
   licensing footnote that applies to the whole site, so it now sits once in the
   footer under "Let's stay connected", full width, quiet against the navy. */
/* The Service Delivery Disclosure shows once, on the homepage only, as small
   footer fine print — same size and colour as the ABN/ACN line, on its own row
   above it, not a standalone block. */
.skc-reference-site .footer-showcase .footer-bottom{flex-wrap:wrap}
.skc-reference-site .footer-showcase .footer-disclosure{width:100%;margin:0 0 6px}
.skc-reference-site .footer-showcase .footer-disclosure,
.skc-reference-site .footer-showcase .footer-disclosure :is(p,span,strong,em){
 font-size:12px;line-height:1.7;color:#aebdce;margin:0;max-width:none}
.skc-reference-site .footer-showcase .footer-disclosure a{
 display:inline;margin:0;font-size:inherit;line-height:inherit;
 color:#c7d1de;text-decoration:underline;text-underline-offset:2px}
.skc-reference-site .footer-showcase .footer-disclosure a:hover{color:#e7c278}

/* A card built from a bare link list titles itself with a paragraph, because the
   source has no heading there and the build compares rendered headings to it. */
.skc-reference-site .resource-index-card .index-card-title{
 margin:0 0 12px;font-size:23px;line-height:1.25;letter-spacing:-.4px;
 font-weight:650;color:#12324f}
.skc-reference-site .resource-index-card .index-card-title a{
 color:inherit;text-decoration:none}
.skc-reference-site .resource-index-card .index-card-title a:hover{text-decoration:underline}

/* ---- home: Featured Knowledge Centre — one carousel -----------------------
   The featured guides and all ten topic categories ride in the same carousel.
   Each topic card carries its own SKC sheet (TopicGraphic category=…), the same
   illustration language as the guide cards, and its title links to the category
   hub. A centred button follows the controls, through to all 100 guides. */
.skc-reference-site .lower-topic-card .lower-article-title a{font-weight:650}
/* the centred link through to the whole library, under the carousel controls */
.skc-reference-site .kc-topics-cta{margin:26px auto 0;text-align:center}
.skc-reference-site a.kc-topics-all{
 display:inline-flex;align-items:center;gap:8px;
 padding:14px 28px;border-radius:9px;background:#001f4c;color:#fff;
 font-size:15px;font-weight:650;text-decoration:none;
 transition:transform .2s ease,box-shadow .2s ease,background .2s ease}
.skc-reference-site a.kc-topics-all:hover{
 background:#0a2c5f;transform:translateY(-2px);box-shadow:0 10px 24px #001f4c33}
/* sixteen cards means sixteen dots, so the row wraps instead of overflowing */
.skc-reference-site .knowledge-carousel .lower-dots{flex-wrap:wrap;max-width:520px;margin-inline:auto}

/* ---- links read blue, not gold ----
   The brand palette sets the site's default link colour to the logo's gold
   (:where(.skc-reference-site) a{color:#95651b}). Because :where() carries no
   specificity, every link that names its own colour escaped it and every link
   that did not — card headings above all — came out gold against navy
   headings. The default is restated here, in the last stylesheet, at the same
   zero specificity: it corrects the links that fell through without touching
   any rule that already chose a colour. Gold stays where it is an accent
   rather than text: the logo, the section kickers, the tick marks. */
:where(.skc-reference-site) a{color:#1268e0}

/* These cards are a single link across their whole surface (the heading's
   anchor is stretched with position:absolute;inset:0). The hover affordance is
   the card lift, so the heading itself never underlines — it only takes the
   colour of the h3 it sits in. */
/* A card's heading is a heading first. It takes the colour of the h3 it sits
   in, so an "Explore Related Experience" card matches the section title above
   it, the same way the index cards on the hub pages do. */
.skc-reference-site .learning-panel h3 a,
.skc-reference-site .service-card h3 a,
.skc-reference-site .benefit-panel h3 a{color:inherit;text-decoration:none}
.skc-reference-site .learning-panel h3 a:hover,
.skc-reference-site .service-card h3 a:hover,
.skc-reference-site .benefit-panel h3 a:hover{text-decoration:none}

/* The footnote link in the footer, on navy: the same blue, lightened enough to
   stay legible there. */
.skc-reference-site .footer-disclosure-copy a{color:#9ec6f7}
.skc-reference-site .footer-disclosure-copy a:hover{color:#d3e6fd}

/* Two more gold link rules from the palette and the home sheet, restated in
   blue at the same specificity. The second is the outlined "Book a
   consultation" that closes 49 pages: gold rule, gold label, on a warm ground. */
:where(.skc-reference-site) .skc-copy a{color:#1268e0}
.skc-reference-site .home-lower-reference .lower-closing a{
 border-color:#1572ed!important;color:#1157bd!important}
.skc-reference-site .home-lower-reference .lower-closing a:hover{
 border-color:#1157bd!important;color:#0e4795!important}

/* Hover states that still reached for gold. The main-nav dropdown lit every
   link gold on a cream ground; the body links in the shared pages did the same.
   Only these two survive in the built site — the rest of the palette's gold
   hovers belong to template classes nothing here renders. */
:where(.skc-reference-site) .nav-panel a:hover{background:#f2f7fe;color:#1268e0}
.skc-reference-site .shared-copy a:hover{color:#0b2d55!important}

/* ---- section kickers and the closing badge read blue, not gold ----
   The small uppercase eyebrow above a heading, and the badge on the closing
   panel, were the logo's gold. They join the rest of the palette as the brand
   blue — an accent that ties to the headings rather than competing with them. */
.skc-reference-site .section-kicker{color:#1a4d8f}
.skc-reference-site .closing-badge{background:#1a4d8f}
/* the one kicker on a dark ground (the "Strategic" plan card head) keeps its
   light tint, so it stays legible on navy rather than turning invisible. */
.skc-reference-site .plan-tier-2 .section-kicker{color:#bfd2f4}

/* ---- Practical Tools: the active calculator tab ----
   Every tab sat on the same near-white pill, so the selected one was hard to
   pick out. The active tab is now a filled navy pill with white text, the same
   selected-state language the site uses elsewhere. */
.skc-reference-site .practical-calculator .calculator-tabs button[aria-selected=true]{
 background:#001f4c;color:#fff;box-shadow:0 4px 12px #001f4c30}
.skc-reference-site .practical-calculator .calculator-tabs button[aria-selected=false]:hover{
 color:#001f4c;background:#fff}

/* ---- Services hub: "How SKC Accounting Works" as a process ----
   The section describes an approach, not a records screen, so it reads as the
   copy followed by the three steps it names: understand, explain, recommend. */
.skc-reference-site .focus-approach-flow .component-container{max-width:1120px}
.skc-reference-site .approach-flow-lead{max-width:760px;margin:0 auto 44px;text-align:center}
.skc-reference-site .approach-flow-lead :is(p,li){font-size:18px;line-height:1.75;color:#3a536e}
.skc-reference-site .approach-flow-steps{
 list-style:none;margin:0;padding:0;display:grid;gap:20px;
 grid-template-columns:repeat(3,1fr);counter-reset:none}
.skc-reference-site .approach-step{
 position:relative;display:flex;flex-direction:column;gap:14px;
 padding:28px 26px;border:1px solid #e6edf7;border-radius:20px;
 background:#f8fbff}
.skc-reference-site .approach-step-num{
 font-size:13px;font-weight:700;letter-spacing:1px;color:#9db2cd}
.skc-reference-site .approach-step-icon{
 display:flex;align-items:center;justify-content:center;
 width:52px;height:52px;border-radius:14px;background:#eaf1fb}
.skc-reference-site .approach-step-icon .service-symbol{width:27px;height:27px;color:#1a4d8f}
.skc-reference-site .approach-step-body{display:flex;flex-direction:column;gap:6px}
.skc-reference-site .approach-step-body b{font-size:19px;font-weight:650;color:#12324f;letter-spacing:-.3px}
.skc-reference-site .approach-step-body>span{font-size:15px;line-height:1.6;color:#51677f}
.skc-reference-site .approach-flow-steps li:not(:last-child):after{
 content:'';position:absolute;top:52px;right:-13px;width:26px;height:1px;
 background:#c7d7ec;z-index:1}

/* ---- Services hub: "Who We Support" as its audiences ----
   A compass mockup said nothing about who the practice serves; the copy sits
   beside a tile for each client type it names. */
.skc-reference-site .focus-audience .component-container{max-width:1120px}
.skc-reference-site .audience-layout{
 display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.skc-reference-site .audience-copy :is(p,li){font-size:17px;line-height:1.8;color:#3a536e}
.skc-reference-site .audience-grid{
 list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.skc-reference-site .audience-tile{
 display:flex;flex-direction:column;gap:14px;
 padding:26px 24px;border:1px solid #e6edf7;border-radius:18px;background:#f8fbff;
 font-size:17px;font-weight:600;color:#12324f;line-height:1.35}
.skc-reference-site .audience-tile-icon{
 display:flex;align-items:center;justify-content:center;
 width:50px;height:50px;border-radius:13px;background:#eaf1fb}
.skc-reference-site .audience-tile-icon .service-symbol{width:26px;height:26px;color:#1a4d8f}
.skc-reference-site .audience-tile:nth-child(2) .audience-tile-icon{background:#eef6f1}
.skc-reference-site .audience-tile:nth-child(2) .audience-tile-icon .service-symbol{color:#2f7d57}
.skc-reference-site .audience-tile:nth-child(3) .audience-tile-icon{background:#f3f0fa}
.skc-reference-site .audience-tile:nth-child(3) .audience-tile-icon .service-symbol{color:#6a4fb0}
.skc-reference-site .audience-tile:nth-child(4) .audience-tile-icon{background:#fbf1ea}
.skc-reference-site .audience-tile:nth-child(4) .audience-tile-icon .service-symbol{color:#b06a2f}
@media(max-width:860px){
 .skc-reference-site .approach-flow-steps{grid-template-columns:1fr;gap:14px}
 .skc-reference-site .approach-flow-steps li:not(:last-child):after{display:none}
 .skc-reference-site .audience-layout{grid-template-columns:1fr;gap:32px}}
@media(max-width:430px){
 .skc-reference-site .audience-grid{grid-template-columns:1fr}}

/* The Family-Owned card carries a short note above its industries list. */
.skc-reference-site details.directory-card>.directory-note{
 padding:0 22px;margin:0 0 12px;font-size:15px;line-height:1.6;color:#4a5c73}
.skc-reference-site details.directory-card>.directory-note :is(p,a){margin:0}

/* ============================================================================
   Industries hub redesign (client "Section builder" design)
   Scoped under .ind-hub; tokens local so nothing leaks to the rest of the site.
   ========================================================================== */
.skc-reference-site .ind-hub{
 --navy:#0a2240;--navy-ink:#08172b;--blue:#1f5fbf;--gold:#c0912f;--gold-2:#e8c374;
 --gold-ink:#8a6416;--ink:#16202e;--muted:#5a6879;--line:#e4e9f1;--line-2:#eef1f6;
 --seg-blue:#f4f8fe;--seg-gold:#fdf7ec;--seg-mint:#f1f9f4;--seg-lilac:#f5f4fd;--seg-rose:#fdf5f2;
 --tint-blue:#eef3fc;--tint-blue-2:#f6f9fe;--tint-gold:#fdf6e7;--tint-mint:#eef6f2;
 --r-lg:24px;--r:18px;--sh-1:0 1px 2px rgba(10,34,64,.04),0 8px 24px rgba(10,34,64,.05);
 --sh-2:0 2px 6px rgba(10,34,64,.05),0 24px 60px rgba(10,34,64,.09)}
.skc-reference-site .ind-hub .ind-section{padding:clamp(46px,6vw,82px) 0}
.skc-reference-site .ind-hub .ind-section-warm{background:#fbf8f2}
.skc-reference-site .ind-hub h2.ind-h1{font-size:clamp(30px,4vw,46px);line-height:1.1;letter-spacing:-.02em;color:var(--navy);margin:14px 0 0}
.skc-reference-site .ind-hub .ind-sub{font-size:clamp(21px,1.8vw,26px);line-height:1.25;color:var(--navy);margin:34px 0 0;font-weight:700}
.skc-reference-site .ind-hub #stages>.component-container>h2,.skc-reference-site .ind-hub #important>.component-container>h2{font-size:clamp(28px,3vw,40px);line-height:1.15;color:var(--navy);margin:0}
.skc-reference-site .ind-hub #important>.component-container>h2{text-align:center}
.skc-reference-site .ind-hub .ind-intro-copy{max-width:900px;margin-top:16px}
.skc-reference-site .ind-hub .ind-intro-copy p{color:var(--muted);font-size:16px;line-height:1.7;margin:0 0 12px}
.skc-reference-site .ind-hub .ind-btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 26px;border-radius:8px;font-weight:700;font-size:15.5px;background:var(--navy);color:#fff;text-decoration:none;border:2px solid #06182f;transition:.18s ease}
.skc-reference-site .ind-hub .ind-btn:hover{background:#0e2d52}
/* directory bento */
.skc-reference-site .ind-hub .dirz-search{position:relative;max-width:520px;margin-top:30px}
.skc-reference-site .ind-hub .dirz-search svg{position:absolute;left:18px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:var(--muted)}
.skc-reference-site .ind-hub .dirz-search input{width:100%;height:58px;border:1.5px solid var(--line);border-radius:999px;padding:0 20px 0 50px;font-size:16px;color:var(--ink);background:#fff;box-shadow:var(--sh-1)}
.skc-reference-site .ind-hub .dirz-search input:focus{outline:2px solid var(--blue);outline-offset:2px}
.skc-reference-site .ind-hub .dirz-search input::placeholder{color:#9aa6b4}
.skc-reference-site .ind-hub .dirz-bento{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}
.skc-reference-site .ind-hub .dirz-card{border-radius:18px;padding:26px 28px;display:flex;flex-direction:column;gap:14px;border:2px solid transparent;cursor:pointer;transition:transform .2s ease,box-shadow .2s ease}
.skc-reference-site .ind-hub .dirz-card:hover{transform:translateY(-3px);box-shadow:var(--sh-1)}
.skc-reference-site .ind-hub .dirz-card.hide{display:none}
.skc-reference-site .ind-hub .dirz-card.match{box-shadow:0 0 0 2px var(--gold)}
.skc-reference-site .ind-hub .dirz-card .top{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.skc-reference-site .ind-hub .dirz-card .ic{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;flex:none;order:2}
.skc-reference-site .ind-hub .dirz-card .ic svg{width:20px;height:20px}
.skc-reference-site .ind-hub .dirz-card h3{font-size:20px;letter-spacing:-.01em;max-width:15ch;order:1;margin:0;color:var(--navy)}
.skc-reference-site .ind-hub .dirz-card h3 a{color:inherit;text-decoration:none}
.skc-reference-site .ind-hub .dirz-card h3 a:hover{text-decoration:underline}
.skc-reference-site .ind-hub .dirz-card p.desc{color:var(--muted);font-size:15px;line-height:1.6;margin:0}
.skc-reference-site .ind-hub .dirz-card .more{font-weight:700;font-size:13px;color:var(--navy);display:inline-flex;align-items:center;gap:6px;margin-top:auto;background:none;border:0;cursor:pointer;padding:0}
.skc-reference-site .ind-hub .dirz-card .more i{width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(-45deg)}
.skc-reference-site .ind-hub .dirz-card.b1{background:var(--seg-blue);border-color:#e2eaf8}
.skc-reference-site .ind-hub .dirz-card.b1 .ic{background:#e2ecfb;color:#2b62c4}
.skc-reference-site .ind-hub .dirz-card.b2{background:var(--seg-gold);border-color:#f0e6d1}
.skc-reference-site .ind-hub .dirz-card.b2 .ic{background:#f8ecd4;color:#a9791a}
.skc-reference-site .ind-hub .dirz-card.b3{background:var(--seg-mint);border-color:#dceee4}
.skc-reference-site .ind-hub .dirz-card.b3 .ic{background:#dcf0e5;color:#2f7a56}
.skc-reference-site .ind-hub .dirz-card.b4{background:var(--seg-lilac);border-color:#e6e4f7}
.skc-reference-site .ind-hub .dirz-card.b4 .ic{background:#e7e5f9;color:#5b56b8}
.skc-reference-site .ind-hub .dirz-card.b5{background:var(--seg-rose);border-color:#f5e2db}
.skc-reference-site .ind-hub .dirz-card.b5 .ic{background:#fae4dc;color:#b5563f}
.skc-reference-site .ind-hub .dirz-empty{padding:20px 2px;font-size:15px;line-height:1.6;color:var(--muted)}
/* directory modal */
.skc-reference-site .ind-hub .dirz-overlay{position:fixed;inset:0;background:rgba(8,23,43,.6);display:none;align-items:center;justify-content:center;padding:24px;z-index:200}
.skc-reference-site .ind-hub .dirz-overlay.open{display:flex}
.skc-reference-site .ind-hub .dirz-modal{background:#fff;border-radius:var(--r-lg);max-width:640px;width:100%;max-height:80vh;overflow:auto;box-shadow:var(--sh-2);padding:clamp(22px,3vw,32px)}
.skc-reference-site .ind-hub .dirz-modal-head{display:flex;align-items:center;gap:14px;margin-bottom:22px}
.skc-reference-site .ind-hub .dirz-modal-head .ic{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;flex:none}
.skc-reference-site .ind-hub .dirz-modal-head .ic svg{width:22px;height:22px}
.skc-reference-site .ind-hub .dirz-modal-head h3{font-size:21px;margin:0;color:var(--navy)}
.skc-reference-site .ind-hub .dirz-modal-head span{display:block;font-weight:600;font-size:13px;color:var(--muted);margin-top:2px}
.skc-reference-site .ind-hub .dirz-modal-close{margin-left:auto;width:36px;height:36px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;display:grid;place-items:center;color:var(--navy);font-size:18px;line-height:1;flex:none}
.skc-reference-site .ind-hub .dirz-modal-close:hover{background:var(--tint-blue)}
.skc-reference-site .ind-hub .dirz-modal-tags{display:flex;flex-wrap:wrap;gap:9px}
.skc-reference-site .ind-hub .dirz-modal-tags span{display:inline-flex;padding:9px 14px;border-radius:9px;background:var(--tint-blue-2);border:1px solid var(--line-2);font-weight:600;font-size:14px;color:#354254}
/* "don't see your business" banner */
.skc-reference-site .ind-hub .banner{background:linear-gradient(120deg,var(--tint-blue-2) 0%,var(--tint-blue) 100%);border-radius:var(--r-lg);padding:clamp(26px,3vw,40px);display:grid;grid-template-columns:1.1fr .9fr;gap:26px;align-items:center;position:relative;overflow:hidden;margin-top:44px}
.skc-reference-site .ind-hub .banner::after{content:"";position:absolute;right:-90px;top:-90px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(31,95,191,.16),transparent 65%)}
.skc-reference-site .ind-hub .banner-copy{display:grid;gap:16px;justify-items:start;position:relative}
.skc-reference-site .ind-hub .banner-copy h2{color:var(--navy);font-size:clamp(23px,2.2vw,31px);margin:0}
.skc-reference-site .ind-hub .banner-copy h2 span{color:var(--blue)}
.skc-reference-site .ind-hub .banner-copy p{color:var(--muted);font-size:16px;line-height:1.6;margin:0}
.skc-reference-site .ind-hub .assure{display:flex;align-items:center;gap:16px;margin-top:2px}
.skc-reference-site .ind-hub .assure .who{font-weight:800;font-size:12.5px;line-height:1.35;color:var(--navy);letter-spacing:.02em;border-right:1px solid var(--line);padding-right:16px}
.skc-reference-site .ind-hub .assure .who small{display:block;font-weight:700;font-size:10.5px;line-height:1.3;color:var(--gold-ink);letter-spacing:.1em;text-transform:uppercase}
.skc-reference-site .ind-hub .assure p{font-size:14px;line-height:1.5;color:var(--muted);margin:0}
.skc-reference-site .ind-hub .banner-media{position:relative;border-radius:var(--r);overflow:visible;min-height:220px}
.skc-reference-site .ind-hub .banner-media img{width:100%;height:100%;object-fit:cover;border-radius:var(--r);display:block;box-shadow:var(--sh-1)}
/* stage stepper */
.skc-reference-site .ind-hub .stg-stepper{display:flex;align-items:flex-start;margin-top:36px;padding-top:8px}
.skc-reference-site .ind-hub .stg-step{display:flex;flex-direction:column;align-items:center;gap:10px;cursor:pointer;flex:1;position:relative;background:none;border:0;font:inherit}
.skc-reference-site .ind-hub .stg-stepper .stg-step:hover{transform:none;box-shadow:none;filter:none}
.skc-reference-site .ind-hub .stg-step .dot{width:50px;height:50px;border-radius:50%;background:#fff;border:2px solid var(--line);display:grid;place-items:center;font-weight:800;font-size:16px;color:var(--muted);transition:.2s ease;z-index:2}
.skc-reference-site .ind-hub .stg-step.active .dot{background:var(--navy);border-color:var(--navy);color:#fff;transform:scale(1.1)}
.skc-reference-site .ind-hub .stg-step .lbl{font-weight:700;font-size:13px;line-height:1.3;color:var(--muted);text-align:center;max-width:130px}
.skc-reference-site .ind-hub .stg-step.active .lbl{color:var(--navy)}
.skc-reference-site .ind-hub .stg-step:not(:last-child)::after{content:'';position:absolute;top:24px;left:50%;width:100%;height:2px;background:var(--line);z-index:1}
.skc-reference-site .ind-hub .stg-panel{margin-top:36px;border-radius:28px;padding:clamp(28px,3.4vw,44px);display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(24px,3vw,44px)}
.skc-reference-site .ind-hub .stg-panel .badge{display:inline-flex;padding:6px 14px;border-radius:999px;background:rgba(255,255,255,.65);font-weight:800;font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.skc-reference-site .ind-hub .stg-panel h3{font-size:clamp(22px,2vw,28px);margin:0;color:var(--navy)}
.skc-reference-site .ind-hub .stg-panel .lede2{color:#43516a;font-size:15.5px;margin-top:10px;line-height:1.6}
.skc-reference-site .ind-hub .stg-chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}
.skc-reference-site .ind-hub .stg-chips span{font-weight:700;font-size:13px;background:#fff;padding:9px 15px;border-radius:999px;color:var(--navy);box-shadow:0 1px 2px rgba(10,34,64,.06)}
.skc-reference-site .ind-hub .stg-notes{display:grid;gap:18px;align-content:start}
.skc-reference-site .ind-hub .stg-note{display:flex;gap:14px;align-items:flex-start;background:rgba(255,255,255,.55);border-radius:16px;padding:14px 18px}
.skc-reference-site .ind-hub .stg-note .qm{flex:none;width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.6);display:grid;place-items:center}
.skc-reference-site .ind-hub .stg-note .qm svg{width:17px;height:17px}
.skc-reference-site .ind-hub .stg-note b{display:block;font-weight:800;font-size:11px;line-height:1.4;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:5px}
.skc-reference-site .ind-hub .stg-note p{font-weight:700;font-size:17px;line-height:1.4;color:var(--navy);margin:0}
/* the important part — roadmap */
.skc-reference-site .ind-hub .imp-panel{background:var(--seg-mint);border-radius:32px;padding:clamp(36px,5vw,60px);margin-top:32px;display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,60px);align-items:center}
.skc-reference-site .ind-hub .imp-text{max-width:440px;align-self:center}
.skc-reference-site .ind-hub .imp-text p{color:#3f5a4d;font-size:17px;line-height:1.6;margin:0 0 16px}
.skc-reference-site .ind-hub .imp-text p:last-child{margin-bottom:0}
.skc-reference-site .ind-hub .imp-path{position:relative;padding-left:36px;width:100%;max-width:360px;margin:0 auto;align-self:center}
.skc-reference-site .ind-hub .imp-path::before{content:'';position:absolute;left:9px;top:8px;bottom:8px;width:2px;background:repeating-linear-gradient(to bottom,#9fd0b6 0 6px,transparent 6px 13px)}
.skc-reference-site .ind-hub .imp-step{position:relative;margin-bottom:26px}
.skc-reference-site .ind-hub .imp-step:last-child{margin-bottom:0}
.skc-reference-site .ind-hub .imp-step::before{content:'';position:absolute;left:-36px;top:10px;width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid #2f9e6a;z-index:2}
.skc-reference-site .ind-hub .imp-step-card{background:#fff;border-radius:16px;padding:18px 22px;box-shadow:var(--sh-1)}
.skc-reference-site .ind-hub .imp-step-card b{display:block;font-weight:800;font-size:11px;line-height:1.4;letter-spacing:.07em;text-transform:uppercase;color:#2f7a56;margin-bottom:5px}
.skc-reference-site .ind-hub .imp-step-card span{font-weight:700;font-size:16px;line-height:1.4;color:var(--navy)}
@media(max-width:1020px){
 .skc-reference-site .ind-hub .dirz-bento{grid-template-columns:1fr 1fr}
 .skc-reference-site .ind-hub .banner,.skc-reference-site .ind-hub .stg-panel,.skc-reference-site .ind-hub .imp-panel{grid-template-columns:1fr}
 .skc-reference-site .ind-hub .imp-path{max-width:none}
 .skc-reference-site .ind-hub .banner-media{min-height:0}}
@media(max-width:640px){
 .skc-reference-site .ind-hub .dirz-bento{grid-template-columns:1fr}
 .skc-reference-site .ind-hub .ind-btn{width:100%}
 .skc-reference-site .ind-hub .stg-stepper{overflow-x:auto;-webkit-overflow-scrolling:touch;padding:10px 2px 6px}
 .skc-reference-site .ind-hub .stg-stepper::-webkit-scrollbar{display:none}
 .skc-reference-site .ind-hub .stg-step{flex:0 0 104px}
 .skc-reference-site .ind-hub .stg-step .lbl{font-size:11.5px}
 .skc-reference-site .ind-hub .stg-step:not(:last-child)::after{width:104px}
 .skc-reference-site .ind-hub .imp-panel{padding:28px 22px}
 .skc-reference-site .ind-hub .dirz-card{padding:22px 20px}
 .skc-reference-site .ind-hub .assure{flex-direction:column;align-items:flex-start;gap:8px}
 .skc-reference-site .ind-hub .assure .who{border-right:0;padding-right:0}}