.pbn-mef {
  --pbn-mef-blue: #1768c5;
  --pbn-mef-navy: #123b66;
  --pbn-mef-text: #1b2b3c;
  --pbn-mef-muted: #536579;
  --pbn-mef-soft: #f3f8fd;
  --pbn-mef-line: #c9e0f3;
  --pbn-mef-red: #bd2433;
  --pbn-mef-radius: 20px;
  --pbn-mef-shadow: 0 12px 30px rgba(18, 59, 102, .11);
  color: var(--pbn-mef-text);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 18px;
  line-height: 1.68;
  overflow: clip;
}

.pbn-mef * { box-sizing: border-box; }
.pbn-mef__wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.pbn-mef__section { padding: 66px 0; }
.pbn-mef__section--soft { background: var(--pbn-mef-soft); }
.pbn-mef h1,
.pbn-mef h2,
.pbn-mef h3 { margin-top: 0; color: #102f50; line-height: 1.18; }
.pbn-mef h1 { max-width: 570px; font-size: clamp(38px, 3.75vw, 52px); }
.pbn-mef h2 { margin-bottom: 24px; font-size: clamp(30px, 3vw, 42px); }
.pbn-mef h3 { margin-bottom: 12px; font-size: 23px; }
.pbn-mef p { margin-top: 0; }
.pbn-mef__eyebrow { margin-bottom: 10px; color: var(--pbn-mef-blue); font-size: 15px; font-weight: 900; letter-spacing: .08em; text-transform: uppercase; }
.pbn-mef__prose { max-width: 920px; }

.pbn-mef__hero { position: relative; margin: 0; overflow: hidden; background: #eef2f5; }
.pbn-mef__hero-media { position: absolute; inset: 0; }
.pbn-mef__hero-media img { display: block; width: 100%; height: 100%; object-fit: cover; object-position: center center; }
.pbn-mef__hero::after { position: absolute; inset: 0; content: ""; pointer-events: none; background: linear-gradient(90deg, rgba(249,251,252,.98) 0%, rgba(249,251,252,.94) 32%, rgba(249,251,252,.42) 51%, rgba(249,251,252,0) 68%); }
.pbn-mef__hero-copy { position: relative; z-index: 1; padding-top: 64px; padding-bottom: 18px; }
.pbn-mef__hero-copy > * { max-width: 570px; }
.pbn-mef__lead { max-width: 570px; font-size: 21px; line-height: 1.52; }
.pbn-mef__hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.pbn-mef__button { display: inline-flex; min-width: 260px; min-height: 64px; padding: 10px 22px; flex-direction: column; align-items: center; justify-content: center; border: 2px solid #b7d3ea; border-radius: 13px; color: var(--pbn-mef-navy); background: linear-gradient(180deg, #fff, #edf7ff); box-shadow: inset 0 -3px 0 rgba(18,59,102,.08), 0 8px 18px rgba(18,59,102,.1); font-size: 18px; font-weight: 900; line-height: 1.15; text-align: center; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease; }
.pbn-mef__button span { margin-top: 5px; font-size: 14px; font-weight: 700; }
.pbn-mef__button:hover { transform: translateY(-2px); box-shadow: inset 0 -3px 0 rgba(18,59,102,.08), 0 12px 24px rgba(18,59,102,.16); }
.pbn-mef__button:focus-visible { outline: 4px solid rgba(23,104,197,.28); outline-offset: 3px; }
.pbn-mef__button--primary { border-color: #d84024; color: #fff; background: linear-gradient(135deg, #ff7a3d, #d83d27); box-shadow: inset 0 -3px 0 rgba(112,23,14,.22), 0 9px 20px rgba(194,57,36,.22); }

.pbn-mef__emergency { padding: 34px 0; border-block: 1px solid #efb9c0; background: #fff1f2; }
.pbn-mef__emergency-grid { display: grid; grid-template-columns: 1fr auto; gap: 36px; align-items: center; }
.pbn-mef__emergency h2 { margin-bottom: 8px; color: #8f1e29; }
.pbn-mef__emergency p:last-child { margin-bottom: 0; }
.pbn-mef__emergency-call { display: inline-flex; min-width: 205px; min-height: 60px; padding: 13px 24px; align-items: center; justify-content: center; border: 2px solid #981b29; border-radius: 13px; color: #fff; background: linear-gradient(135deg, #d84250, #a81725); box-shadow: 0 10px 22px rgba(158,27,41,.2); font-size: 22px; font-weight: 900; text-decoration: none; }
.pbn-mef__emergency-call:focus-visible { outline: 4px solid rgba(189,36,51,.25); outline-offset: 3px; }

.pbn-mef__router { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 17px; }
.pbn-mef__router a { display: flex; min-height: 132px; padding: 23px; flex-direction: column; justify-content: center; border: 1px solid var(--pbn-mef-line); border-top: 5px solid var(--pbn-mef-blue); border-radius: var(--pbn-mef-radius); color: var(--pbn-mef-text); background: linear-gradient(145deg, #fff, #edf7ff); box-shadow: var(--pbn-mef-shadow); font-size: 18px; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease; }
.pbn-mef__router a::after { margin-top: 8px; color: var(--pbn-mef-blue); content: "→"; font-weight: 900; }
.pbn-mef__router a:hover { transform: translateY(-2px); box-shadow: 0 16px 34px rgba(18,59,102,.15); }
.pbn-mef__router a:focus-visible { outline: 4px solid rgba(23,104,197,.25); outline-offset: 3px; }
.pbn-mef__router strong { color: var(--pbn-mef-navy); font-size: 21px; }
.pbn-mef__router span { color: var(--pbn-mef-muted); }

.pbn-mef__note,
.pbn-mef__warning { display: block; margin-top: 26px; padding: 20px 24px; border-left: 5px solid var(--pbn-mef-blue); border-radius: 12px; background: #fff; box-shadow: 0 6px 20px rgba(18,59,102,.07); }
.pbn-mef__warning { border-left-color: var(--pbn-mef-red); color: #771c25; background: #fff3f4; }
.pbn-mef__cards { display: grid; gap: 18px; }
.pbn-mef__cards--three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.pbn-mef__cards--two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.pbn-mef__cards article,
.pbn-mef__check-grid > div { padding: 24px; border: 1px solid var(--pbn-mef-line); border-top: 5px solid var(--pbn-mef-blue); border-radius: var(--pbn-mef-radius); background: linear-gradient(145deg, #fff, #edf7ff); box-shadow: var(--pbn-mef-shadow); }
.pbn-mef__cards ul { margin-bottom: 0; padding-left: 22px; }
.pbn-mef__cards li { margin: 7px 0; }
.pbn-mef__check-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 17px; }
.pbn-mef__check-grid strong { display: block; margin-bottom: 8px; color: var(--pbn-mef-navy); font-size: 21px; }
.pbn-mef__check-grid p { margin-bottom: 0; }

.pbn-mef__split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 46px; align-items: start; }
.pbn-mef__sequence { display: grid; gap: 13px; }
.pbn-mef__sequence div { display: grid; grid-template-columns: 48px 1fr; gap: 14px; min-height: 78px; padding: 15px 18px; align-items: center; border: 1px solid var(--pbn-mef-line); border-radius: 15px; background: #fff; box-shadow: var(--pbn-mef-shadow); }
.pbn-mef__sequence b { display: grid; width: 44px; height: 44px; place-items: center; border-radius: 50%; color: #fff; background: var(--pbn-mef-blue); font-size: 21px; }

.pbn-mef__steps { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 17px; margin: 0; padding: 0; list-style: none; }
.pbn-mef__steps li { display: grid; grid-template-columns: 48px 1fr; gap: 15px; padding: 23px; border: 1px solid var(--pbn-mef-line); border-radius: 17px; background: #fff; box-shadow: var(--pbn-mef-shadow); }
.pbn-mef__steps > li > b { color: var(--pbn-mef-blue); font-size: 29px; }
.pbn-mef__steps h3 { margin-bottom: 6px; }
.pbn-mef__steps p { margin-bottom: 0; }

.pbn-mef__routes { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.pbn-mef__route { display: flex; padding: 24px; flex-direction: column; border: 1px solid var(--pbn-mef-line); border-top: 5px solid var(--pbn-mef-blue); border-radius: var(--pbn-mef-radius); background: #fff; box-shadow: var(--pbn-mef-shadow); }
.pbn-mef__route--danger { border-top-color: var(--pbn-mef-red); }
.pbn-mef__route a,
.pbn-mef__sources a { display: inline-flex; width: 100%; min-height: 54px; margin-top: auto; padding: 12px 18px; align-items: center; justify-content: space-between; border: 1px solid #9fc7e8; border-radius: 12px; color: var(--pbn-mef-navy); background: linear-gradient(180deg, #fff, #eaf5fe); box-shadow: inset 0 -3px 0 rgba(18,59,102,.08), 0 7px 15px rgba(18,59,102,.09); font-size: 18px; font-weight: 900; line-height: 1.3; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease; }
.pbn-mef__route a::after,
.pbn-mef__sources a::after { margin-left: 12px; content: "→"; color: var(--pbn-mef-blue); }
.pbn-mef__route a:hover,
.pbn-mef__sources a:hover { transform: translateY(-2px); box-shadow: inset 0 -3px 0 rgba(18,59,102,.08), 0 11px 20px rgba(18,59,102,.14); }
.pbn-mef__route a:focus-visible,
.pbn-mef__sources a:focus-visible { outline: 4px solid rgba(23,104,197,.25); outline-offset: 3px; }
.pbn-mef__sources { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.pbn-mef__sources a { margin-top: 0; }

.pbn-mef__review { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 34px; padding: 28px; align-items: center; border: 1px solid var(--pbn-mef-line); border-top: 6px solid var(--pbn-mef-blue); border-radius: 24px; background: linear-gradient(145deg, #fff, #edf7ff); box-shadow: var(--pbn-mef-shadow); }
.pbn-mef__review picture { display: block; }
.pbn-mef__review img { display: block; width: 260px; height: 260px; border-radius: 16px; object-fit: cover; }
.pbn-mef__review h2 { margin-bottom: 14px; }
.pbn-mef__review-date { color: var(--pbn-mef-muted); font-size: 18px; }
.pbn-mef__review-link { display: inline-flex; min-width: 260px; min-height: 54px; padding: 12px 18px; align-items: center; justify-content: space-between; border: 1px solid #9fc7e8; border-radius: 12px; color: var(--pbn-mef-navy); background: linear-gradient(180deg, #fff, #eaf5fe); box-shadow: inset 0 -3px 0 rgba(18,59,102,.08), 0 7px 15px rgba(18,59,102,.09); font-size: 18px; font-weight: 900; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease; }
.pbn-mef__review-link::after { margin-left: 12px; content: "→"; color: var(--pbn-mef-blue); }
.pbn-mef__review-link:hover { transform: translateY(-2px); box-shadow: inset 0 -3px 0 rgba(18,59,102,.08), 0 11px 20px rgba(18,59,102,.14); }
.pbn-mef__review-link:focus-visible { outline: 4px solid rgba(23,104,197,.25); outline-offset: 3px; }

.pbn-mef__faq details { margin: 12px 0; padding: 0 22px; border: 1px solid var(--pbn-mef-line); border-radius: 14px; background: #fff; }
.pbn-mef__faq summary { min-height: 58px; padding: 16px 32px 16px 0; color: var(--pbn-mef-navy); font-size: 19px; font-weight: 900; cursor: pointer; }
.pbn-mef__faq details p { padding-bottom: 18px; }
.pbn-mef__final { color: #fff; background: #102f50; text-align: center; }
.pbn-mef__final h2 { color: #fff; }
.pbn-mef__final p { max-width: 820px; margin-inline: auto; }
.pbn-mef__final .pbn-mef__hero-actions { justify-content: center; }

@media (max-width: 980px) {
  .pbn-mef__cards--three,
  .pbn-mef__check-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .pbn-mef__routes { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  .pbn-mef { font-size: 18px; line-height: 1.65; }
  .pbn-mef__wrap { width: min(100% - 28px, 1160px); }
  .pbn-mef__section { padding: 48px 0; }
  .pbn-mef h1 { font-size: 31px; }
  .pbn-mef h2 { font-size: 29px; }
  .pbn-mef h3 { font-size: 22px; }
  .pbn-mef__eyebrow { font-size: 13px; }
  .pbn-mef__hero { display: flex; min-height: 0; flex-direction: column; background: #f5f8fa; }
  .pbn-mef__hero-media { position: relative; height: 310px; order: 1; }
  .pbn-mef__hero-media img { object-position: 70% center; }
  .pbn-mef__hero::after { display: none; }
  .pbn-mef__hero-copy { width: 100%; padding: 31px 14px 34px; order: 2; background: #f5f8fa; }
  .pbn-mef__lead { font-size: 18px; line-height: 1.55; }
  .pbn-mef__hero-actions { flex-direction: column; }
  .pbn-mef__button { width: 100%; min-height: 64px; font-size: 18px; }
  .pbn-mef__emergency-grid,
  .pbn-mef__router,
  .pbn-mef__cards--three,
  .pbn-mef__cards--two,
  .pbn-mef__check-grid,
  .pbn-mef__split,
  .pbn-mef__steps,
  .pbn-mef__sources { grid-template-columns: 1fr; }
  .pbn-mef__emergency-call { width: 100%; min-height: 58px; }
  .pbn-mef__router a { min-height: 122px; }
  .pbn-mef__cards article,
  .pbn-mef__check-grid > div,
  .pbn-mef__steps li,
  .pbn-mef__route { padding: 20px; }
  .pbn-mef__route a,
  .pbn-mef__sources a { min-height: 56px; }
  .pbn-mef__review { grid-template-columns: 104px minmax(0, 1fr); gap: 14px; padding: 16px; align-items: start; }
  .pbn-mef__review picture { grid-column: 1; grid-row: 1 / 4; }
  .pbn-mef__review img { width: 104px; height: 128px; border-radius: 12px; }
  .pbn-mef__review > div { display: contents; }
  .pbn-mef__review .pbn-mef__eyebrow { grid-column: 2; grid-row: 1; margin-bottom: 0; }
  .pbn-mef__review h2 { grid-column: 2; grid-row: 2; margin-bottom: 0; font-size: 22px; }
  .pbn-mef__review-role { grid-column: 2; grid-row: 3; margin-bottom: 0; }
  .pbn-mef__review-note { grid-column: 1 / -1; grid-row: 4; margin-top: 8px; }
  .pbn-mef__review-date { grid-column: 1 / -1; grid-row: 5; }
  .pbn-mef__review-link { grid-column: 1 / -1; grid-row: 6; width: 100%; min-width: 0; min-height: 56px; }
}