.elementor-915 .elementor-element.elementor-element-976ce7d{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-915 .elementor-element.elementor-element-b63e6ce{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-915 .elementor-element.elementor-element-e86e4f2{--display:grid;--e-con-grid-template-columns:75% 25%;--e-con-grid-template-rows:repeat(1, 1fr);--grid-auto-flow:row;--padding-top:30px;--padding-bottom:30px;--padding-left:0px;--padding-right:0px;}.elementor-915 .elementor-element.elementor-element-2aa7a31{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-915 .elementor-element.elementor-element-8b04ab0{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-915 .elementor-element.elementor-element-39982bf{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}@media(max-width:1024px){.elementor-915 .elementor-element.elementor-element-e86e4f2{--grid-auto-flow:row;}}@media(max-width:767px){.elementor-915 .elementor-element.elementor-element-e86e4f2{--e-con-grid-template-columns:1;--grid-auto-flow:row;}}/* Start custom CSS *//* Hero */
    .article-hero{background:var(--navy);padding:3.5rem 0;position:relative;overflow:hidden}
    .article-hero::before{content:'';position:absolute;inset:0;
      background:radial-gradient(ellipse 55% 80% at 80% 50%,rgba(13,92,99,.5) 0%,transparent 70%),
                radial-gradient(ellipse 35% 60% at 5% 85%,rgba(224,123,57,.1) 0%,transparent 55%)}
    .article-hero::after{content:'OPM';position:absolute;right:-20px;top:50%;transform:translateY(-50%);
      font-family:var(--serif);font-size:14rem;font-weight:700;color:rgba(255,255,255,.025);pointer-events:none;line-height:1}
    .hero-inner{position:relative;z-index:1}
    .breadcrumb{font-family:var(--sans);font-size:.75rem;color:rgba(255,255,255,.4);margin-bottom:.9rem;display:flex;align-items:center;gap:.4rem}
    .breadcrumb a{color:rgba(255,255,255,.65)}
    .topic-badge{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:20px;padding:.3rem .9rem;font-family:var(--sans);font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.75);margin-bottom:1rem}
    .article-hero h1{font-family:var(--serif);font-size:clamp(1.85rem,4vw,2.8rem);color:var(--white);line-height:1.12;margin-bottom:.85rem;letter-spacing:-.01em}
    .article-hero h1 em{font-style:italic;color:rgba(255,255,255,.5);font-weight:400}
    .hero-deck{font-size:1rem;color:rgba(255,255,255,.75);max-width:640px;line-height:1.78;margin-bottom:1.5rem;font-family:var(--body-serif)}
    .hero-meta{display:flex;gap:1.5rem;flex-wrap:wrap}
    .hero-meta span{font-family:var(--sans);font-size:.78rem;color:rgba(255,255,255,.45);display:flex;align-items:center;gap:.35rem}
    .hero-meta strong{color:rgba(255,255,255,.8)}

    /* Alert strip */
    .alert-bar{background:var(--orange);padding:.85rem 0}
    .alert-bar .container{display:flex;align-items:center;gap:1rem;flex-wrap:wrap}
    .alert-label{font-family:var(--sans);font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.75);white-space:nowrap}
    .alert-text{font-family:var(--sans);font-size:.875rem;color:var(--white);font-weight:500;line-height:1.5}

    /* Layout */
    .page-body{padding:3.5rem 0}
    .article-layout{display:grid;grid-template-columns:1fr 300px;gap:3.5rem;align-items:start}
    .sticky-sidebar{position:sticky;top:90px}

    /* Article content */
    .article-section{margin-bottom:3rem;padding-bottom:3rem;border-bottom:1px solid var(--rule)}
    .article-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
    .section-eyebrow{font-family:var(--sans);font-size:.68rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--orange);margin-bottom:.5rem}
    .article-section h2{font-family:var(--serif);font-size:clamp(1.4rem,2.5vw,1.85rem);color:var(--ink);line-height:1.2;margin-bottom:.75rem;letter-spacing:-.01em}
    .article-lede{font-family:var(--body-serif);font-size:1.05rem;color:var(--ink-mid);font-style:italic;line-height:1.72;margin-bottom:1.75rem;padding-bottom:1.25rem;border-bottom:1px solid var(--sand-dark)}
    h3.sub{font-family:var(--serif);font-size:1.1rem;color:var(--teal);margin:2rem 0 .65rem}
    h3.sub:first-child{margin-top:0}
    p.body{font-size:.975rem;line-height:1.88;color:var(--ink-mid);margin-bottom:1rem}
    ul.body-list,ol.body-list{margin:.5rem 0 1rem 1.25rem}
    ul.body-list li,ol.body-list li{font-size:.95rem;color:var(--ink-mid);line-height:1.75;margin-bottom:.4rem}
    .stat{font-family:var(--sans);font-size:.72rem;background:var(--teal-pale);color:var(--teal);border-radius:3px;padding:.15rem .4rem;margin-left:.3rem;font-weight:500}
    .stat-navy{font-family:var(--sans);font-size:.72rem;background:var(--navy-pale);color:var(--navy);border-radius:3px;padding:.15rem .4rem;margin-left:.3rem;font-weight:500}

    /* Callouts */
    .callout{background:var(--teal-pale);border-left:3px solid var(--teal);border-radius:0 8px 8px 0;padding:1.1rem 1.25rem;margin:1.5rem 0}
    .callout p{font-family:var(--sans);font-size:.875rem;color:var(--ink-mid);line-height:1.65;margin:0}
    .callout p+p{margin-top:.5rem}
    .callout strong{color:var(--teal)}
    .callout.navy{background:var(--navy-pale);border-left-color:var(--navy)}
    .callout.navy strong{color:var(--navy)}
    .warning{background:#fff8f0;border:1px solid #f5d5b4;border-radius:8px;padding:1.1rem 1.25rem;margin:1.5rem 0;display:flex;gap:.75rem}
    .warning-icon{font-size:1.2rem;flex-shrink:0;line-height:1.4}
    .warning p{font-family:var(--sans);font-size:.875rem;color:var(--ink-mid);line-height:1.65;margin:0}
    .warning p+p{margin-top:.5rem}
    .warning strong{color:var(--orange-dark)}
    .danger{background:#fef2f2;border:1px solid #fecaca;border-radius:8px;padding:1.1rem 1.25rem;margin:1.5rem 0;display:flex;gap:.75rem}
    .danger-icon{font-size:1.2rem;flex-shrink:0;line-height:1.4}
    .danger p{font-family:var(--sans);font-size:.875rem;color:var(--ink-mid);line-height:1.65;margin:0}
    .danger p+p{margin-top:.5rem}
    .danger strong{color:#dc2626}
    .success{background:#f0fdf4;border:1px solid #bbf7d0;border-radius:8px;padding:1.1rem 1.25rem;margin:1.5rem 0}
    .success p{font-family:var(--sans);font-size:.875rem;color:#166534;line-height:1.65;margin:0}

    /* FERS vs CSRS comparison */
    .system-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem;margin:1.5rem 0}
    .system-card{border-radius:10px;overflow:hidden;border:1px solid var(--rule)}
    .system-head{padding:1.1rem 1.25rem}
    .system-head.fers{background:var(--navy)}
    .system-head.csrs{background:var(--ink)}
    .system-head h4{font-family:var(--serif);font-size:1.05rem;color:var(--white);margin-bottom:.2rem}
    .system-head p{font-family:var(--sans);font-size:.72rem;color:rgba(255,255,255,.55)}
    .system-body{padding:1.1rem 1.25rem;background:var(--white)}
    .system-body ul{list-style:none}
    .system-body li{font-family:var(--sans);font-size:.82rem;color:var(--ink-mid);padding:.32rem 0;border-bottom:1px solid var(--sand-dark);display:flex;gap:.5rem;line-height:1.5}
    .system-body li:last-child{border-bottom:none}
    .system-body li::before{content:'';width:.5rem;height:.5rem;border-radius:50%;background:var(--teal);flex-shrink:0;margin-top:4px}

    /* Three-part FERS breakdown */
    .three-parts{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:1.5rem 0}
    .part-card{background:var(--white);border:1px solid var(--rule);border-radius:8px;overflow:hidden}
    .part-card-head{padding:.85rem 1rem}
    .part-card-head.annuity{background:var(--navy)}
    .part-card-head.tsp{background:var(--teal)}
    .part-card-head.ss{background:#374151}
    .part-card-head h5{font-family:var(--sans);font-size:.85rem;font-weight:700;color:var(--white);margin-bottom:.15rem}
    .part-card-head p{font-family:var(--sans);font-size:.7rem;color:rgba(255,255,255,.55)}
    .part-card-body{padding:.9rem 1rem}
    .part-card-body p{font-family:var(--sans);font-size:.8rem;color:var(--ink-mid);line-height:1.58}
    .part-card-body .div-tool{font-family:var(--sans);font-size:.68rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--orange);margin-top:.6rem}

    /* Value trap illustration */
    .value-trap-box{background:var(--sand);border-radius:12px;padding:1.75rem;margin:1.75rem 0}
    .value-trap-box h4{font-family:var(--serif);font-size:1.1rem;color:var(--ink);margin-bottom:1.25rem}
    .value-row{display:flex;justify-content:space-between;align-items:center;padding:.75rem 0;border-bottom:1px solid var(--rule)}
    .value-row:last-child{border-bottom:none;padding-bottom:0}
    .value-label{font-family:var(--sans);font-size:.85rem;color:var(--ink-mid)}
    .value-amount{font-family:var(--sans);font-size:.95rem;font-weight:700}
    .value-amount.red{color:#dc2626}
    .value-amount.green{color:#166534}
    .value-amount.teal{color:var(--teal)}
    .value-amount.big{font-size:1.3rem;color:var(--navy)}
    .value-note{font-family:var(--sans);font-size:.75rem;color:var(--ink-light);margin-top:.75rem;line-height:1.6}

    /* COAP requirements box */
    .req-box{background:var(--white);border:1px solid var(--rule);border-radius:10px;overflow:hidden;margin:1.5rem 0}
    .req-box-head{background:var(--navy);padding:.85rem 1.25rem}
    .req-box-head h4{font-family:var(--sans);font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.8)}
    .req-item{display:flex;gap:.9rem;padding:.85rem 1.25rem;border-bottom:1px solid var(--sand-dark);background:var(--white)}
    .req-item:last-child{border-bottom:none}
    .req-num{display:flex;align-items:center;justify-content:center;width:1.6rem;height:1.6rem;background:var(--navy);color:var(--white);font-family:var(--sans);font-size:.72rem;font-weight:700;border-radius:50%;flex-shrink:0;margin-top:2px}
    .req-body h5{font-family:var(--sans);font-size:.875rem;font-weight:600;color:var(--ink);margin-bottom:.2rem}
    .req-body p{font-family:var(--sans);font-size:.8rem;color:var(--ink-light);line-height:1.6}

    /* Steps */
    .steps-section{background:var(--sand);border-radius:14px;padding:2rem;margin:1.75rem 0}
    .steps-section h4{font-family:var(--sans);font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-light);margin-bottom:1.5rem}
    .steps{list-style:none}
    .step{display:flex;gap:1.25rem;padding:1.1rem 0;border-bottom:1px solid var(--rule)}
    .step:last-child{border-bottom:none;padding-bottom:0}
    .step-num{display:flex;align-items:center;justify-content:center;width:2.2rem;height:2.2rem;background:var(--navy);color:var(--white);font-family:var(--sans);font-size:.85rem;font-weight:700;border-radius:50%;flex-shrink:0;margin-top:2px}
    .step-body h4{font-family:var(--sans);font-size:.9rem;font-weight:600;color:var(--ink);margin-bottom:.3rem}
    .step-body p{font-family:var(--sans);font-size:.85rem;color:var(--ink-mid);line-height:1.65}
    .step-body a{color:var(--teal);font-weight:500}
    .step-tip{display:inline-block;background:#fff8f0;border:1px solid #f5d5b4;color:var(--orange-dark);font-size:.75rem;padding:.2rem .6rem;border-radius:3px;margin-top:.4rem;font-family:var(--sans)}
    .step-alert{display:inline-block;background:var(--teal-pale);border:1px solid rgba(13,92,99,.2);color:var(--teal);font-size:.75rem;padding:.2rem .6rem;border-radius:3px;margin-top:.4rem;font-family:var(--sans)}
    .step-navy{display:inline-block;background:var(--navy-pale);border:1px solid rgba(28,58,94,.2);color:var(--navy);font-size:.75rem;padding:.2rem .6rem;border-radius:3px;margin-top:.4rem;font-family:var(--sans)}

    /* Survivor annuity table */
    .data-table{width:100%;border-collapse:collapse;font-family:var(--sans);font-size:.85rem;margin:1.25rem 0}
    .data-table th{background:var(--navy);color:var(--white);font-weight:600;padding:.7rem 1rem;text-align:left;font-size:.78rem;letter-spacing:.04em}
    .data-table td{padding:.7rem 1rem;border-bottom:1px solid var(--sand-dark);color:var(--ink-mid);vertical-align:top;line-height:1.55}
    .data-table tr:nth-child(even) td{background:var(--sand)}
    .data-table td:first-child{font-weight:600;color:var(--ink)}
    .green{color:#16a34a;font-weight:700}
    .red{color:#dc2626;font-weight:700}
    .amber{color:#92400e;font-weight:600}

    /* OPM contact card */
    .contact-card{background:var(--navy);border-radius:10px;padding:1.5rem;margin:1.5rem 0}
    .contact-card h4{font-family:var(--serif);font-size:1rem;color:var(--white);margin-bottom:.75rem}
    .contact-item{display:flex;gap:.75rem;align-items:flex-start;margin-bottom:.6rem}
    .contact-item:last-child{margin-bottom:0}
    .contact-icon{font-size:.9rem;flex-shrink:0;margin-top:2px;opacity:.7}
    .contact-item p{font-family:var(--sans);font-size:.83rem;color:rgba(255,255,255,.8);line-height:1.55}
    .contact-item a{color:rgba(255,255,255,.9);font-weight:500}
    .contact-item strong{color:var(--white)}

    /* Benefits grid (FEHB, FEGLI, etc.) */
    .benefits-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.25rem 0}
    .benefit-card{border:1px solid var(--rule);border-radius:8px;padding:1.1rem}
    .benefit-card h5{font-family:var(--sans);font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:.4rem}
    .benefit-card p{font-family:var(--sans);font-size:.8rem;color:var(--ink-mid);line-height:1.6;margin-bottom:.4rem}
    .benefit-card p:last-child{margin-bottom:0}
    .benefit-tag{display:inline-block;font-family:var(--sans);font-size:.65rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:.15rem .45rem;border-radius:3px;margin-bottom:.4rem}
    .tag-yes{background:#dcfce7;color:#166534}
    .tag-no{background:#fee2e2;color:#dc2626}
    .tag-limited{background:#fef9c3;color:#854d0e}

    /* Sidebar */
    .sidebar-card{background:var(--white);border:1px solid var(--rule);border-radius:10px;overflow:hidden;margin-bottom:1.25rem}
    .s-head{padding:.9rem 1.1rem;border-bottom:1px solid var(--rule)}
    .s-head h4{font-family:var(--serif);font-size:.95rem;color:var(--ink)}
    .s-body{padding:1.1rem}
    .s-body p{font-family:var(--sans);font-size:.82rem;color:var(--ink-mid);line-height:1.6;margin-bottom:.75rem}
    .s-body p:last-child{margin-bottom:0}
    .s-links{list-style:none}
    .s-links li{border-bottom:1px solid var(--sand-dark)}
    .s-links li:last-child{border-bottom:none}
    .s-links a{display:flex;justify-content:space-between;align-items:center;padding:.55rem 0;font-family:var(--sans);font-size:.82rem;color:var(--ink-mid)}
    .s-links a:hover{color:var(--teal)}
    .arr{opacity:.4;font-size:.8rem}
    .toc-card{background:var(--sand);border:1px solid var(--sand-dark);border-radius:10px;padding:1.1rem;margin-bottom:1.25rem}
    .toc-card h4{font-family:var(--sans);font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-light);margin-bottom:.75rem}
    .toc-links{list-style:none}
    .toc-links li{border-bottom:1px solid var(--rule)}
    .toc-links li:last-child{border-bottom:none}
    .toc-links a{display:flex;justify-content:space-between;align-items:center;padding:.45rem 0;font-family:var(--sans);font-size:.8rem;color:var(--ink-mid)}
    .toc-links a:hover{color:var(--teal)}

    .disclaimer{background:#fefaf6;border:1px solid var(--sand-dark);border-radius:8px;padding:1rem 1.25rem;margin:2.5rem 0 0;display:flex;gap:.75rem}
    .disclaimer p{font-family:var(--sans);font-size:.77rem;color:var(--ink-light);line-height:1.65}

    /* Related */
    .related-bar{background:var(--navy);padding:2.5rem 0}
    .related-bar h2{font-family:var(--serif);font-size:1.4rem;color:var(--white);margin-bottom:1.25rem}
    .related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
    .rel-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:1.1rem;transition:background .18s}
    .rel-card:hover{background:rgba(255,255,255,.12)}
    .rel-card h3{font-family:var(--serif);font-size:.95rem;color:var(--white);margin-bottom:.35rem}
    .rel-card p{font-family:var(--sans);font-size:.78rem;color:rgba(255,255,255,.5);line-height:1.55;margin-bottom:.65rem}
    .rel-card a{font-family:var(--sans);font-size:.78rem;color:rgba(255,255,255,.7);font-weight:500}/* End custom CSS */