/* Extracted in original cascade order from byte-identical live/local reference. */

/* pvg-psy-base-css.css */
.pvg-mfa .rd-reference{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:#14293b;background:#f7fafc;font-size:clamp(1.0625rem,1.4vw,1.125rem);line-height:1.7}
.pvg-mfa .rd-reference *{box-sizing:border-box}.pvg-mfa .rd-reference *::before{box-sizing:border-box}.pvg-mfa .rd-reference *::after{box-sizing:border-box}
.pvg-mfa .rd-reference .pa-section{padding:clamp(1rem,3vw,2rem)}
.pvg-mfa .rd-reference .pa-surface{width:min(100%,1280px);margin-inline:auto;padding:clamp(1.5rem,5vw,3rem) clamp(1rem,4vw,2.5rem);background:#fff;border:1px solid #d6e5ee;border-radius:24px;box-shadow:0 22px 56px rgb(0 73 142 / 8%)}.pvg-mfa .rd-reference h2{color:#00498e;font-family:inherit;font-weight:800;overflow-wrap:break-word;hyphens:auto}.pvg-mfa .rd-reference h3{color:#00498e;font-family:inherit;font-weight:800;overflow-wrap:break-word;hyphens:auto}
.pvg-mfa .rd-reference h2{margin:0 0 1.5rem;font-size:clamp(1.75rem,4vw,2.7rem);letter-spacing:-.035em;line-height:1.15;text-wrap:balance}
.pvg-mfa .rd-reference h3{margin:1rem 0;font-size:clamp(1.375rem,3vw,2rem);line-height:1.15;letter-spacing:-.025em;text-wrap:balance}
.pvg-mfa .rd-reference p{margin:0 0 1.15rem}
.pvg-mfa .rd-reference p:last-child{margin-bottom:0}
.pvg-mfa .rd-reference .pa-eyebrow{margin:0 0 .75rem;color:#14775f;font-size:.8125rem;letter-spacing:.075em;font-weight:700;text-transform:uppercase;font-family:'PVG Ergo Open Sans',Arial,sans-serif;line-height:1.4}
.pvg-mfa .rd-reference .pa-hero-grid{display:grid;grid-template-areas:"heading" "portrait" "intro";gap:1.5rem;background:radial-gradient(circle at 85% 10%,rgb(88 189 156 / 9%),transparent 34%),#fff}
.pvg-mfa .rd-reference .pa-heading{grid-area:heading}
.pvg-mfa .rd-reference .pa-intro{grid-area:intro;min-width:0}
.pvg-mfa .rd-reference .pa-portrait{grid-area:portrait;margin:0;align-self:end;justify-self:center;width:min(100%,260px)}
.pvg-mfa .rd-reference .pa-portrait img{display:block;width:100%;height:auto;object-fit:contain}
.pvg-mfa .rd-reference .pa-button{display:inline-flex;gap:.65rem;align-items:center;justify-content:center;min-height:48px;max-width:100%;padding:.875rem 1.25rem;border:2px solid transparent;border-radius:999px;background:#00498e;color:#fff;font-size:1rem;font-weight:800;line-height:1.3;text-align:center;text-decoration:none;transition:background-color 160ms ease,transform 160ms ease}
.pvg-mfa .rd-reference .pa-button:hover{background:#003b73;color:#fff;transform:translateY(-2px)}
.pvg-mfa .rd-reference .pa-button svg{flex:0 0 20px;width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.pvg-mfa .rd-reference .pa-button:focus-visible{outline:3px solid #ffbf47;outline-offset:3px}
.pvg-mfa .rd-reference .pa-stats-section{padding-block:0}
.pvg-mfa .rd-reference .pa-stats{display:grid;gap:1.25rem;padding-block:1.75rem;box-shadow:none}
.pvg-mfa .rd-reference .pa-stats strong{font-size:clamp(1.6rem,3vw,2rem);color:#00498e;line-height:1.2}
.pvg-mfa .rd-reference .pa-stats span{font-size:1rem;color:#526a7f}
@media(min-width:768px){.pvg-mfa .rd-reference .pa-stats{grid-template-columns:repeat(3,minmax(0,1fr));gap:0}}
@media(min-width:1024px){
.pvg-mfa .rd-reference h2{font-size:clamp(2.7rem,2.5vw,3rem);line-height:1.05;hyphens:none}
.pvg-mfa .rd-reference h3{font-size:clamp(2rem,1.9vw,2.3rem);line-height:1.1}
.pvg-mfa .rd-reference .pa-hero-grid{grid-template-areas:"heading portrait" "intro portrait";grid-template-columns:minmax(0,58fr) minmax(0,42fr);column-gap:clamp(2rem,3vw,3.25rem);row-gap:1.5rem}
.pvg-mfa .rd-reference .pa-portrait{width:min(100%,400px);align-self:center}}
@media(max-width:767px){
.pvg-mfa .rd-reference .pa-button{width:100%}
.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button{gap:0;justify-content:center}
.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button .hp-hero-button-arrow{display:none}
.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button::before,.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button::after{content:none;display:none}
}
@media(prefers-reduced-motion:reduce){.pvg-mfa .rd-reference *{transition:none;scroll-behavior:auto}}
@media print{.pvg-mfa .rd-reference .pa-surface{box-shadow:none;break-inside:avoid}}
.pvg-mfa .rd-reference .pa-section{scroll-margin-top:110px}
.pvg-mfa .rd-reference .pa-hero-grid{row-gap:1.25rem}
/* RC30: the H1 uses its full existing grid column; portrait and grid stay unchanged. */
.pvg-mfa .rd-reference #pa-hero .pa-heading{max-width:none}
.pvg-mfa .rd-reference .pa-lead{font-size:clamp(1.0625rem,3.6vw,1.25rem);line-height:1.6;color:#526a7f}
.pvg-mfa .rd-reference .pa-actions{display:flex;align-items:center;flex-wrap:wrap;gap:.75rem 1.25rem;margin-top:1.5rem}
.pvg-mfa .rd-reference .pa-textlink{color:#00498e;font-size:1rem;font-weight:700;text-decoration:underline;text-underline-offset:4px}
.pvg-mfa .rd-reference .pa-textlink:hover{color:#003b73}
.pvg-mfa .rd-reference .pa-textlink:focus-visible{outline:3px solid #ffbf47;outline-offset:3px}.pvg-mfa .rd-reference .pa-trust-link:focus-visible{outline:3px solid #ffbf47;outline-offset:3px}
.pvg-mfa .rd-reference .pa-trust{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));margin-top:1.5rem;border:1px solid #d6e5ee;border-radius:16px;background:#fff;box-shadow:0 10px 24px rgb(0 73 142 / 6%)}
.pvg-mfa .rd-reference .pa-trust-link{display:flex;align-items:center;gap:.75rem;min-width:0;min-height:88px;padding:1rem;color:#00498e;text-decoration:none}
.pvg-mfa .rd-reference .pa-trust-link+.pa-trust-link{border-left:1px solid #d6e5ee}
.pvg-mfa .rd-reference .pa-trust-link:hover{background:#f7fafc}
.pvg-mfa .rd-reference .pa-trust-link:first-child{border-radius:16px 0 0 16px}
.pvg-mfa .rd-reference .pa-trust-link:last-child{border-radius:0 16px 16px 0}
.pvg-mfa .rd-reference .pa-trust-google{width:30px;height:30px;flex:0 0 30px}
.pvg-mfa .rd-reference .pa-trust-pe{width:100px;max-width:35%;height:auto;flex:0 1 100px}
.pvg-mfa .rd-reference .pa-trust-copy{display:grid;min-width:0;gap:.1rem;font-size:.9rem;line-height:1.3}
.pvg-mfa .rd-reference .pa-trust-copy strong{font-size:.95rem;font-weight:800}
.pvg-mfa .rd-reference .pa-trust-bottom{display:flex;flex-wrap:wrap;gap:.2rem .5rem;color:#526a7f}
.pvg-mfa .rd-reference .pa-trust-stars{color:#ab9044;letter-spacing:.035em;white-space:nowrap}
.pvg-mfa .rd-reference .pa-trust-arrow{margin-left:auto;color:#14775f;font-size:1.1rem}
@media(max-width:767px){.pvg-mfa .rd-reference .pa-actions{align-items:stretch;flex-direction:column}
.pvg-mfa .rd-reference .pa-textlink{text-align:center}
.pvg-mfa .rd-reference .pa-trust{grid-template-columns:1fr}
.pvg-mfa .rd-reference .pa-trust-link+.pa-trust-link{border-left:0;border-top:1px solid #d6e5ee}
.pvg-mfa .rd-reference .pa-trust-link:first-child{border-radius:16px 16px 0 0}
.pvg-mfa .rd-reference .pa-trust-link:last-child{border-radius:0 0 16px 16px}
.pvg-mfa .rd-reference .pa-trust-pe{max-width:100px}}
@media(min-width:1024px){.pvg-mfa .rd-reference .pa-hero-grid{align-items:start}
.pvg-mfa .rd-reference .pa-portrait{align-self:start}}
.pvg-mfa .rd-reference .pa-stats-section{background:#f7fafc;padding-block:clamp(1rem,2vw,1.5rem) clamp(1.5rem,4vw,2.5rem)}
.pvg-mfa .rd-reference .pa-stats{display:grid;grid-template-columns:1fr;gap:0;width:min(100%,1280px);margin:0 auto;padding:0;overflow:hidden;list-style:none;background:#fff;border:1px solid #d6e5ee;border-radius:24px;box-shadow:0 14px 38px rgb(0 73 142 / 6%)}
.pvg-mfa .rd-reference .pa-stats>li{display:grid;gap:.35rem;align-content:center;min-height:7.25rem;padding:1.25rem clamp(1rem,3vw,1.5rem);text-align:center}
.pvg-mfa .rd-reference .pa-stats>li+li{border-top:1px solid #d6e5ee;border-left:0;padding-top:1.25rem}
.pvg-mfa .rd-reference .pa-stats strong{color:#00498e;font-size:clamp(1.55rem,6vw,2rem);font-weight:800;line-height:1.05;overflow-wrap:anywhere}
.pvg-mfa .rd-reference .pa-stats span{max-width:26ch;margin-inline:auto;color:#526a7f;font-size:.875rem;font-weight:700;line-height:1.4}
@media(min-width:640px){.pvg-mfa .rd-reference .pa-stats{grid-template-columns:repeat(2,minmax(0,1fr))}
.pvg-mfa .rd-reference .pa-stats>li:nth-child(even){border-left:1px solid #d6e5ee}
.pvg-mfa .rd-reference .pa-stats>li:nth-child(2){border-top:0}}
@media(min-width:1024px){.pvg-mfa .rd-reference .pa-stats{grid-template-columns:repeat(4,minmax(0,1fr))}
.pvg-mfa .rd-reference .pa-stats>li{min-height:8.5rem}
.pvg-mfa .rd-reference .pa-stats>li+li{border-top:0;border-left:1px solid #d6e5ee;padding-top:1.25rem}}
.pvg-mfa .rd-reference .pa-visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}
.pvg-mfa .rd-reference .pa-process-section{background:#fff;padding:clamp(1.5rem,4vw,2.5rem) clamp(1rem,3vw,2rem);color:#00498e}
.pvg-mfa .rd-reference .pa-process-container{width:min(100%,1200px);margin-inline:auto}
.pvg-mfa .rd-reference .pvg-advisory-path__list{display:grid;grid-template-columns:1fr;gap:.875rem;list-style:none;margin:0;padding:0}
.pvg-mfa .rd-reference .pvg-advisory-path__step{position:relative;display:grid;grid-template-columns:2.75rem minmax(0,1fr);gap:1rem;align-items:start;min-width:0;min-height:13.5rem;padding:1rem;border:1px solid rgb(0 73 142 / 16%);border-radius:1.25rem;background:#fff}
.pvg-mfa .rd-reference .pvg-advisory-path__step--active{border-color:#58bd9c;background:rgb(88 189 156 / 9%)}
.pvg-mfa .rd-reference .pvg-advisory-path__marker{display:inline-grid;place-items:center;width:2.75rem;height:2.75rem;border:1px solid rgb(0 73 142 / 20%);border-radius:50%;background:#fff;color:#00498e;font-weight:700;line-height:1}
.pvg-mfa .rd-reference .pvg-advisory-path__step--active .pvg-advisory-path__marker{border-color:#58bd9c;background:#58bd9c;color:#00498e}
.pvg-mfa .rd-reference .pvg-advisory-path__content{display:block;min-width:0}.pvg-mfa .rd-reference .pvg-advisory-path__label{display:block;min-width:0}.pvg-mfa .rd-reference .pvg-advisory-path__title{display:block;min-width:0}.pvg-mfa .rd-reference .pvg-advisory-path__description{display:block;min-width:0}
.pvg-mfa .rd-reference .pvg-advisory-path__label{margin-bottom:.25rem;color:#00498e;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.pvg-mfa .rd-reference .pvg-advisory-path__title{margin:0;color:#00498e;font-size:clamp(1rem,2vw,1.125rem);font-weight:800;line-height:1.3;letter-spacing:normal;hyphens:auto}
.pvg-mfa .rd-reference .pvg-advisory-path__description{margin-top:.4rem;color:rgb(0 73 142 / 76%);font-size:.9375rem;line-height:1.5}
@media(min-width:1024px){.pvg-mfa .rd-reference .pvg-advisory-path__list{grid-template-columns:repeat(3,minmax(0,1fr))}
.pvg-mfa .rd-reference .pvg-advisory-path__step:not(:last-child)::after{position:absolute;top:2.375rem;left:100%;z-index:1;width:.875rem;border-top:1px solid rgb(0 73 142 / 22%);content:""}}
.pvg-mfa .rd-reference .pvg-advisory-path__description{overflow-wrap:anywhere}
/* pvg-psy-reference-css.css */
.pvg-mfa .rd-reference .pa-hero-grid{overflow:hidden}
.pvg-mfa .rd-reference .pa-hero-grid .pa-portrait{align-self:end;margin-bottom:calc(-1 * clamp(1.5rem, 5vw, 3rem))}
@media (max-width: 1023px){.pvg-mfa .rd-reference .pa-hero-grid{grid-template-areas:"heading" "intro" "portrait"}}
@media(min-width:768px){.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button{flex:0 0 auto}
.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-textlink{flex:1 1 240px;min-width:200px;white-space:normal}}
/* pvg-psy-content-css.css */
@font-face{font-family:'PVG Open Sans';src:url("open-sans.woff2") format('woff2');font-weight:300 800;font-style:normal;font-display:swap}
.pvg-mfa .rd-reference{font-family:'PVG Open Sans',Arial,sans-serif;font-size:19px;line-height:1.75}
.pvg-mfa .rd-reference p{font-size:19px}.pvg-mfa .rd-reference li{font-size:19px}.pvg-mfa .rd-reference h2{font-family:'PVG Ergo Open Sans',Arial,sans-serif;hyphens:manual;overflow-wrap:break-word;word-break:normal}.pvg-mfa .rd-reference h3{font-family:'PVG Ergo Open Sans',Arial,sans-serif;hyphens:manual;overflow-wrap:break-word;word-break:normal}
.pvg-mfa .rd-reference section[id]{scroll-margin-top:104px}
.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button{background:#00498e;color:#fff}
.pvg-mfa .rd-reference #pa-hero .pa-actions>.pa-button:hover{background:#003b73;color:#fff}
.pvg-mfa .rd-reference a:focus-visible{outline:3px solid #00498e;outline-offset:5px}.pvg-mfa .rd-reference summary:focus-visible{outline:3px solid #00498e;outline-offset:5px}
/* RC31: full-width heading row, existing text/portrait columns below. */
.pvg-mfa .rd-reference #pa-hero .pa-hero-grid{grid-template-areas:'heading heading' 'intro portrait';grid-template-columns:minmax(0,1.7fr) minmax(240px,1fr)}
.pvg-mfa .rd-reference .pa-heading{min-width:0}
.pvg-mfa .rd-reference .pa-portrait{width:min(100%,360px);align-self:end;margin:0;line-height:0}
.pvg-mfa .rd-reference .pa-hero-grid{padding-bottom:0}
.pvg-mfa .rd-reference .pa-intro{padding-bottom:40px}
.pvg-mfa .rd-reference .pa-lead{font-size:19px;line-height:1.75}
.pvg-mfa .rd-reference .pa-actions{flex-wrap:wrap}
@media(max-width:1023px){.pvg-mfa .rd-reference #pa-hero .pa-hero-grid{grid-template-areas:'heading' 'portrait' 'intro';grid-template-columns:minmax(0,1fr)}
.pvg-mfa .rd-reference .pa-portrait{width:220px;align-self:center}
.pvg-mfa .rd-reference .pa-intro{padding-bottom:24px}}
@media(max-width:767px){}
@media print{.pvg-mfa .rd-reference .pa-actions{display:none}}
.pvg-mfa .rd-reference .pa-trust{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}.pvg-mfa .rd-reference .pa-stats{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
.pvg-mfa .rd-reference .pvg-advisory-path{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
.pvg-mfa .rd-reference .pvg-advisory-path__step{font-size:clamp(1.0625rem,1.4vw,1.125rem)}
.pvg-mfa .rd-reference .pvg-advisory-path__title{font-family:inherit}
.pvg-mfa .rd-reference .rd-benefits{margin:0;padding-left:1.25rem;color:#526a7f}
.pvg-mfa .rd-reference .rd-benefits li{font-size:19px;line-height:1.75}
@media(max-width:1023px){.pvg-mfa .rd-reference .pvg-advisory-path__step{min-height:0}}
@media(min-width:1024px){.pvg-mfa .rd-reference .pvg-advisory-path__title{min-height:2.6em}}