.hbfca-main {
  --hbfca-navy: #172e50;
  --hbfca-deep: #21395b;
  --hbfca-teal: #295d91;
  --hbfca-aqua: #7daed3;
  --hbfca-orange: #ff6633;
  --hbfca-ink: #21395b;
  --hbfca-mist: #f3f7fb;
  --hbfca-line: #d3dfeb;
  --hbfca-muted: #506279;
  --hbfca-accent: #7daed3;
  overflow: hidden;
  color: var(--hbfca-ink);
  background: #fff;
  font-family: inherit;
}
.hbfca-main *, 
.hbfca-main *::before, 
.hbfca-main *::after { box-sizing: border-box; }
.hbfca-main img { display: block; width: 100%; height: auto; }
.hbfca-main h1, 
.hbfca-main h2, 
.hbfca-main h3, 
.hbfca-main p { margin-top: 0; }
.hbfca-main a:focus-visible { outline: 3px solid var(--hbfca-orange); outline-offset: 4px; }
.hbfca-main .hbfca-shell { width: min(calc(100% - 32px), 1360px); margin-inline: auto; }


.hbfca-main .hbfca-hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  padding: 24px 0 56px;
  color: #fff;
  background:
    radial-gradient(circle at 92% 8%, color-mix(in srgb, var(--hbfca-accent) 23%, transparent), transparent 31%),
    linear-gradient(145deg, var(--hbfca-deep), var(--hbfca-navy) 64%, #295d91);
}
.hbfca-main .hbfca-hero::before { position: absolute; z-index: -1; right: -115px; bottom: -120px; width: 310px; height: 310px; content: ""; border: 46px solid rgba(255,255,255,.055); border-radius: 50%; }
.hbfca-main .hbfca-hero::after { position: absolute; z-index: -1; left: 0; bottom: 0; width: 210px; height: 105px; content: ""; opacity: .18; background-image: radial-gradient(rgba(255,255,255,.7) 1.2px, transparent 1.2px); background-size: 16px 16px; }
.hbfca-main .hbfca-breadcrumbs { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin-bottom: 44px; color: #9fbac6; font-size: .74rem; }
.hbfca-main .hbfca-breadcrumbs a { color: #c9e3e8; text-decoration: none; }
.hbfca-main .hbfca-breadcrumbs a:hover { color: #fff; }
.hbfca-main .hbfca-hero__layout { display: grid; gap: 30px; align-items: end; }
.hbfca-main .hbfca-eyebrow, 
.hbfca-main .hbfca-kicker { display: flex; align-items: center; gap: 10px; margin: 0 0 16px; color: var(--hbfca-teal); font-size: .7rem; font-weight: 900; letter-spacing: .13em; line-height: 1.35; text-transform: uppercase; }
.hbfca-main .hbfca-eyebrow { color: #a6cde9; }
.hbfca-main .hbfca-eyebrow > span { min-width: 36px; height: 36px; display: grid; place-items: center; color: var(--hbfca-deep); border-radius: 50%; background: var(--hbfca-accent); font-size: .68rem; }
.hbfca-main .hbfca-kicker--light { color: #a6cde9; }
.hbfca-main .hbfca-hero h1 { max-width: 850px; margin-bottom: 22px; color: #fff; font-size: clamp(2.25rem, 7.3vw, 4.4rem); font-weight: 920; letter-spacing: -.045em; line-height: 1.01; }
.hbfca-main .hbfca-lead { max-width: 780px; margin-bottom: 0; color: #c9dce4; font-size: clamp(1rem, 2.8vw, 1.18rem); line-height: 1.72; }
.hbfca-main .hbfca-local-note { max-width: 760px; display: flex; align-items: flex-start; gap: 10px; margin: 18px 0 0; color: #97b5c2; font-size: .8rem; line-height: 1.6; }
.hbfca-main .hbfca-local-note span { width: 8px; height: 8px; flex: 0 0 8px; margin-top: .42em; border-radius: 50%; background: var(--hbfca-accent); box-shadow: 0 0 0 6px color-mix(in srgb, var(--hbfca-accent) 12%, transparent); }
.hbfca-main .hbfca-signal-card { overflow: hidden; padding: 22px; border: 1px solid rgba(255,255,255,.15); border-radius: 20px; background: rgba(255,255,255,.065); box-shadow: 0 24px 55px rgba(0,0,0,.18); }
.hbfca-main .hbfca-signal-card__top { display: flex; align-items: center; justify-content: space-between; padding-bottom: 17px; margin-bottom: 19px; border-bottom: 1px solid rgba(255,255,255,.12); }
.hbfca-main .hbfca-signal-card__top span { color: var(--hbfca-accent); font-size: 2.2rem; font-weight: 950; letter-spacing: -.08em; line-height: 1; }
.hbfca-main .hbfca-signal-card__top i { width: 10px; height: 10px; border-radius: 50%; background: var(--hbfca-accent); box-shadow: 0 0 0 7px color-mix(in srgb, var(--hbfca-accent) 14%, transparent); }
.hbfca-main .hbfca-signal-card h2 { margin-bottom: 17px; color: #fff; font-size: 1.25rem; line-height: 1.25; }
.hbfca-main .hbfca-signal-card ul { padding: 0; margin: 0; list-style: none; }
.hbfca-main .hbfca-signal-card li { display: grid; grid-template-columns: 24px minmax(0,1fr); gap: 10px; color: #cfe0e7; font-size: .9rem; line-height: 1.55; }
.hbfca-main .hbfca-signal-card li + li { margin-top: 13px; }
.hbfca-main .hbfca-signal-card li span { width: 22px; height: 22px; display: grid; place-items: center; color: var(--hbfca-deep); border-radius: 50%; background: var(--hbfca-accent); font-size: .7rem; font-weight: 950; }
.hbfca-main .hbfca-safety { position: relative; display: grid; grid-template-columns: 48px minmax(0,1fr); gap: 15px; align-items: start; margin-top: 38px; padding: 20px; border: 1px solid rgba(255,255,255,.12); border-left: 4px solid var(--hbfca-orange); border-radius: 15px; background: rgba(33,57,91,.56); }
.hbfca-main .hbfca-safety__icon { width: 42px; height: 42px; display: grid; place-items: center; border-radius: 12px; background: var(--hbfca-orange); }
.hbfca-main .hbfca-safety__icon span { color: var(--hbfca-navy); font-size: 1.2rem; font-weight: 950; }
.hbfca-main .hbfca-safety h2 { margin-bottom: 7px; color: #fff; font-size: 1rem; line-height: 1.3; }
.hbfca-main .hbfca-safety p { margin-bottom: 0; color: #b9ced7; font-size: .86rem; line-height: 1.62; }

.hbfca-main .hbfca-articles, 
.hbfca-main .hbfca-explore { padding: 70px 0; }
.hbfca-main .hbfca-articles { background: #f3f7fb; }
.hbfca-main .hbfca-section-head { display: grid; gap: 12px; margin-bottom: 30px; }
.hbfca-main .hbfca-section-head h2, 
.hbfca-main .hbfca-services h2, 
.hbfca-main .hbfca-cta h2 { margin-bottom: 0; color: var(--hbfca-navy); font-size: clamp(2rem, 7vw, 3.6rem); font-weight: 920; letter-spacing: -.045em; line-height: 1.02; }
.hbfca-main .hbfca-section-head > p { max-width: 640px; margin-bottom: 0; color: var(--hbfca-muted); line-height: 1.7; }
.hbfca-main .hbfca-article-grid { display: grid; gap: 20px; }
.hbfca-main .hbfca-article-card { overflow: hidden; border: 1px solid var(--hbfca-line); border-radius: 18px; background: #fff; box-shadow: 0 16px 38px rgba(23,46,80,.075); }
.hbfca-main .hbfca-article-card__media { aspect-ratio: 16 / 9; display: block; overflow: hidden; background: var(--hbfca-mist); }
.hbfca-main .hbfca-article-card__media img { height: 100%; object-fit: cover; transition: transform .35s ease; }
.hbfca-main .hbfca-article-card:hover .hbfca-article-card__media img { transform: scale(1.035); }
.hbfca-main .hbfca-placeholder { position: relative; width: 100%; height: 100%; display: block; background: linear-gradient(145deg, var(--hbfca-deep), var(--hbfca-navy)); }
.hbfca-main .hbfca-placeholder::before { position: absolute; inset: 22px; content: ""; border: 1px solid rgba(255,255,255,.11); border-radius: 12px; background-image: radial-gradient(rgba(255,255,255,.19) 1px, transparent 1px); background-size: 15px 15px; }
.hbfca-main .hbfca-placeholder i { position: absolute; top: 50%; left: 16%; right: 16%; height: 10px; border: 2px solid #a6cde9; border-radius: 30px; background: var(--hbfca-teal); }
.hbfca-main .hbfca-placeholder i:nth-child(2) { right: 21%; left: auto; width: 10px; height: 27%; border-top: 0; border-radius: 0 0 20px 20px; }
.hbfca-main .hbfca-placeholder i:nth-child(3) { top: auto; right: 19%; bottom: 16%; left: auto; width: 12px; height: 16px; border: 0; border-radius: 70% 30% 65% 35%; background: var(--hbfca-accent); transform: rotate(45deg); }
.hbfca-main .hbfca-article-card__body { padding: 21px; }
.hbfca-main .hbfca-article-card__meta { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 7px 12px; margin-bottom: 13px; color: var(--hbfca-muted); font-size: .7rem; font-weight: 750; }
.hbfca-main .hbfca-article-card__meta span { color: var(--hbfca-teal); }
.hbfca-main .hbfca-article-card h3 { margin-bottom: 10px; font-size: 1.25rem; line-height: 1.23; }
.hbfca-main .hbfca-article-card h3 a { color: var(--hbfca-navy); text-decoration: none; }
.hbfca-main .hbfca-article-card__body > p { margin-bottom: 17px; color: var(--hbfca-muted); font-size: .91rem; line-height: 1.65; }
.hbfca-main .hbfca-text-link { display: inline-flex; align-items: center; gap: 9px; color: var(--hbfca-navy); font-size: .88rem; font-weight: 850; text-decoration: none; }
.hbfca-main .hbfca-text-link span { color: var(--hbfca-orange); transition: transform .18s ease; }
.hbfca-main .hbfca-text-link:hover span { transform: translateX(4px); }
.hbfca-main .hbfca-empty { min-height: 178px; display: flex; gap: 20px; align-items: center; padding: 25px; border: 1px solid var(--hbfca-line); border-radius: 18px; background: #fff; box-shadow: 0 16px 38px rgba(23,46,80,.06); }
.hbfca-main .hbfca-empty > span { color: color-mix(in srgb, var(--hbfca-accent) 24%, transparent); font-size: 5.2rem; font-weight: 950; letter-spacing: -.08em; line-height: 1; }
.hbfca-main .hbfca-empty h3 { margin-bottom: 8px; color: var(--hbfca-navy); font-size: 1.3rem; }
.hbfca-main .hbfca-empty p { margin-bottom: 0; color: var(--hbfca-muted); line-height: 1.65; }

.hbfca-main .navigation.pagination { margin-top: 35px; }
.hbfca-main .nav-links { display: flex; flex-wrap: wrap; gap: 8px; }
.hbfca-main .page-numbers { min-width: 42px; min-height: 42px; display: grid; place-items: center; padding: 8px 12px; color: var(--hbfca-navy); border: 1px solid var(--hbfca-line); border-radius: 10px; background: #fff; font-size: .84rem; font-weight: 800; text-decoration: none; }
.hbfca-main .page-numbers.current { color: #fff; border-color: var(--hbfca-navy); background: var(--hbfca-navy); }

.hbfca-main .hbfca-services { padding: 70px 0; color: #fff; background: var(--hbfca-navy); }
.hbfca-main .hbfca-services__layout { display: grid; gap: 28px; }
.hbfca-main .hbfca-services h2 { color: #fff; }
.hbfca-main .hbfca-service-list { display: grid; gap: 9px; }
.hbfca-main .hbfca-service-list a { min-height: 72px; display: grid; grid-template-columns: 35px minmax(0,1fr) 24px; gap: 12px; align-items: center; padding: 14px 16px; color: #fff; border: 1px solid rgba(255,255,255,.13); border-radius: 13px; background: rgba(255,255,255,.045); text-decoration: none; transition: transform .18s ease, background .18s ease, border-color .18s ease; }
.hbfca-main .hbfca-service-list a:hover { transform: translateX(4px); border-color: color-mix(in srgb, var(--hbfca-accent) 70%, transparent); background: color-mix(in srgb, var(--hbfca-accent) 10%, transparent); }
.hbfca-main .hbfca-service-list small { color: var(--hbfca-accent); font-size: .7rem; font-weight: 900; }
.hbfca-main .hbfca-service-list strong { font-size: .94rem; line-height: 1.35; }
.hbfca-main .hbfca-service-list span { color: var(--hbfca-orange); font-size: 1.15rem; font-weight: 900; text-align: right; }

.hbfca-main .hbfca-explore { background: #fff; }
.hbfca-main .hbfca-topic-strip { display: grid; gap: 10px; }
.hbfca-main .hbfca-topic-strip a { min-height: 76px; display: grid; grid-template-columns: 42px minmax(0,1fr) 24px; gap: 12px; align-items: center; padding: 15px; color: var(--hbfca-navy); border: 1px solid var(--hbfca-line); border-radius: 14px; background: #fff; text-decoration: none; transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.hbfca-main .hbfca-topic-strip a:hover { transform: translateY(-3px); border-color: #9acfd4; box-shadow: 0 14px 28px rgba(23,46,80,.08); }
.hbfca-main .hbfca-topic-strip a > span { width: 38px; height: 38px; display: grid; place-items: center; color: var(--hbfca-teal); border-radius: 11px; background: var(--hbfca-mist); font-size: .7rem; font-weight: 900; }
.hbfca-main .hbfca-topic-strip strong { font-size: .9rem; line-height: 1.35; }
.hbfca-main .hbfca-topic-strip i { color: var(--hbfca-orange); font-style: normal; font-weight: 900; text-align: right; }

.hbfca-main .hbfca-cta { padding: 0 0 76px; background: #fff; }
.hbfca-main .hbfca-cta__card { display: grid; gap: 24px; padding: 29px 23px; border: 1px solid var(--hbfca-line); border-top: 5px solid var(--hbfca-orange); border-radius: 19px; background: var(--hbfca-mist); }
.hbfca-main .hbfca-cta h2 { font-size: clamp(1.9rem, 7vw, 3.2rem); }
.hbfca-main .hbfca-cta__card > div:first-child > p:last-child { max-width: 750px; margin: 17px 0 0; color: var(--hbfca-muted); line-height: 1.7; }
.hbfca-main .hbfca-cta__actions { display: flex; flex-direction: column; align-items: stretch; gap: 17px; }
.hbfca-main .hbfca-button { min-height: 52px; display: inline-flex; align-items: center; justify-content: center; padding: 13px 19px; color: var(--hbfca-navy); border-radius: 12px; background: var(--hbfca-orange); box-shadow: 0 14px 32px rgba(255,102,51,.2); font-size: .93rem; font-weight: 850; line-height: 1.2; text-decoration: none; transition: transform .18s ease; }
.hbfca-main .hbfca-button:hover { transform: translateY(-2px); }
.hbfca-main .hbfca-cta__actions .hbfca-text-link { justify-content: center; }

@media (min-width: 540px) {
  .hbfca-main .hbfca-article-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .hbfca-main .hbfca-topic-strip { grid-template-columns: repeat(2, minmax(0,1fr)); }
}

@media (min-width: 760px) {
  .hbfca-main .hbfca-hero { padding: 32px 0 74px; }
  .hbfca-main .hbfca-articles, 
  .hbfca-main .hbfca-services, 
  .hbfca-main .hbfca-explore { padding-block: 92px; }
  .hbfca-main .hbfca-section-head { grid-template-columns: minmax(0,1fr) minmax(280px,.72fr); gap: 48px; align-items: end; margin-bottom: 42px; }
  .hbfca-main .hbfca-safety { grid-template-columns: 52px minmax(0,1fr); padding: 23px 25px; }
  .hbfca-main .hbfca-service-list { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .hbfca-main .hbfca-cta__card { padding: 41px; grid-template-columns: minmax(0,1fr) auto; gap: 42px; align-items: center; }
  .hbfca-main .hbfca-cta__actions { min-width: 258px; }
}

@media (min-width: 1020px) {
  .hbfca-main .hbfca-hero__layout { grid-template-columns: minmax(0,1.35fr) minmax(330px,.65fr); gap: clamp(50px,7vw,100px); }
  .hbfca-main .hbfca-signal-card { padding: 28px; }
  .hbfca-main .hbfca-article-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .hbfca-main .hbfca-services__layout { grid-template-columns: minmax(280px,.7fr) minmax(0,1.3fr); gap: 70px; align-items: start; }
  .hbfca-main .hbfca-topic-strip { grid-template-columns: repeat(4, minmax(0,1fr)); }
}

@media (min-width: 1320px) {
  .hbfca-main .hbfca-shell { width: min(calc(100% - 64px), 1360px); }
  .hbfca-main .hbfca-hero { padding-bottom: 94px; }
  .hbfca-main .hbfca-hero h1 { font-size: 4.4rem; }
}

@supports not (color: color-mix(in srgb, white, black)) {
  .hbfca-main .hbfca-hero { background: linear-gradient(145deg, var(--hbfca-deep), var(--hbfca-navy) 64%, #295d91); }
  .hbfca-main .hbfca-signal-card__top i { box-shadow: 0 0 0 7px rgba(125,174,211,.13); }
  .hbfca-main .hbfca-local-note span { box-shadow: 0 0 0 6px rgba(125,174,211,.12); }
  .hbfca-main .hbfca-empty > span { color: rgba(125,174,211,.24); }
}

@media (prefers-reduced-motion: reduce) {
  .hbfca-main *, 
  .hbfca-main *::before, 
  .hbfca-main *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}

@media (max-width: 369px) {
  .hbfca-main .hbfca-shell { width: min(calc(100% - 22px), 1360px); }
  .hbfca-main .hbfca-hero h1 { font-size: 2.3rem; }
  .hbfca-main .hbfca-safety { grid-template-columns: 38px minmax(0,1fr); padding: 16px; }
  .hbfca-main .hbfca-safety__icon { width: 36px; height: 36px; }
}

/* HBF page-content standard; theme/navigation remain outside this root. */
.hbfca-main .hbfca-aside-title { color: #fff; font-weight: 800; font-size: 1.1rem; line-height: 1.4; margin-bottom: 16px; }
.hbfca-main h1 { font-size: clamp(2.295rem,4.86vw,4.635rem); }
.hbfca-main h2 { font-size: clamp(1.62rem,3.564vw,3.5235rem); line-height: 1.18; }
.hbfca-main .hbfca-hero h1 { line-height: 1.12; }
.hbfca-main .hbfca-editorial { padding: 48px 0 0; }
.hbfca-main .hbfca-editorial:last-of-type { padding-bottom: 48px; }
.hbfca-main .hbfca-editorial h2 { max-width: 1000px; margin-bottom: 24px; }
.hbfca-main .hbfca-editorial p { max-width: 76ch; line-height: 1.8; margin-bottom: 20px; }
.hbfca-main .hbfca-service-reason { display: block; margin-top: 8px; color: #d5e4ef; font-size: .88rem; font-weight: 400; line-height: 1.6; }
.hbfca-main .hbfca-article-card h3 a { overflow-wrap: anywhere; }
@media (max-width: 699px) {
  .hbfca-main h1 { font-size: clamp(2.2rem,9.35vw,2.75rem); }
  .hbfca-main h2 { font-size: clamp(1.815rem,7.92vw,1.98rem); }
  .hbfca-main .hbfca-editorial { padding-top: 32px; }
}