:root {
  --research-navy: #09264b;
  --research-navy-2: #102548;
  --research-gold: #c79a49;
  --research-green: #70875b;
  --research-cream: #faf8f2;
  --research-text: #56627a;
}

/* Premium regulatory information panel */
.research-page .research-disclosure {
  position: relative;
  padding: 112px 0 128px;
}
.research-page .research-disclosure::before {
  content: "";
  position: absolute;
  inset: 28px -8vw 28px;
  z-index: 0;
  background:
    radial-gradient(circle at 8% 18%, rgba(199,154,73,.11), transparent 23%),
    radial-gradient(circle at 92% 80%, rgba(112,135,91,.09), transparent 25%),
    linear-gradient(135deg, rgba(255,255,255,.58), rgba(246,244,235,.58));
  border-top: 1px solid rgba(199,154,73,.12);
  border-bottom: 1px solid rgba(199,154,73,.12);
  pointer-events: none;
}
.research-page .research-disclosure > * {
  position: relative;
  z-index: 1;
}

.merchant-resources, .merchant-portals, .merchant-contact, .merchant-legal{
  width: 75% !important;
}

.research-page .research-disclosure__heading {
  max-width: 980px;
  margin: 0 auto 38px;
  text-align: center;
}
.research-page .research-disclosure__heading .research-kicker {
  justify-content: center;
}
.research-page .research-disclosure__heading h2 {
  max-width: 920px;
  margin-inline: auto;
  font-size: clamp(24px, 3vw, 42px);
  line-height: 1.18;
}
.research-page .research-disclosure__panel {
  width: min(100%, 1020px);
  margin-inline: auto;
  padding: 18px;
  border: 1px solid rgba(199,154,73,.2);
  border-radius: 18px;
  background: rgba(255,255,255,.46);
  box-shadow: 0 28px 70px rgba(9,38,75,.1);
  backdrop-filter: blur(8px);
}
.research-page .research-disclosure__table {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}
.research-page .research-disclosure__row {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 132px;
  padding: 23px 25px;
  border: 1px solid rgba(9,38,75,.08);
  border-top: 3px solid var(--research-gold);
  border-radius: 12px;
  background: linear-gradient(145deg, #fff 0%, #f8f8f1 100%);
  box-shadow: 0 10px 25px rgba(9,38,75,.055);
}
.research-page .research-disclosure__row:nth-child(even) {
  border-top-color: var(--research-green);
}
.research-page .research-disclosure__row strong,
.research-page .research-disclosure__row span {
  display: block;
  min-height: 0;
  padding: 0;
  border: 0;
  background: transparent;
}
.research-page .research-disclosure__row strong {
  margin-bottom: 10px;
  color: var(--research-green);
  font-size: 10px;
  letter-spacing: .18em;
}
.research-page .research-disclosure__row span {
  color: var(--research-navy);
  font-size: 15px;
  line-height: 1.55;
}
.research-page .research-disclosure__logo {
  grid-template-columns: 30% 1fr;
  min-height: 122px;
  margin-top: 14px;
  border: 1px solid rgba(199,154,73,.24);
  border-radius: 12px;
  background: linear-gradient(135deg, #fff 0%, #f5f6ed 100%);
  box-shadow: 0 10px 25px rgba(9,38,75,.055);
}
.research-page .research-disclosure__logo span {
  padding: 25px;
  border-left: 4px solid var(--research-gold);
  background: transparent;
}
.research-page .research-disclosure__logo img {
  width: 170px;
  margin: 22px 25px;
}
.research-page .research-disclosure__disclaimer {
  width: min(100%, 940px);
  margin: 24px auto 0;
  padding: 16px 22px;
  border: 1px solid rgba(199,154,73,.18);
  border-left: 3px solid var(--research-gold);
  border-radius: 0 10px 10px 0;
  background: rgba(255,255,255,.56);
  text-align: center;
}
@media (max-width: 700px) {
  .research-page .research-disclosure { padding: 82px 0 92px; }
  .research-page .research-disclosure__panel { padding: 12px; border-radius: 14px; }
  .research-page .research-disclosure__table { grid-template-columns: 1fr; }
  .research-page .research-disclosure__logo { grid-template-columns: 1fr; }
  .research-page .research-disclosure__logo span { min-height: auto; padding: 17px 20px; }
  .research-page .research-disclosure__logo img { margin: 18px 20px; }
}
.research-page {
  background: var(--research-cream);
  color: var(--research-navy);
  font-family: Poppins, sans-serif;
  overflow: hidden;
}
.research-page .merchant-resources {
  padding-top: 112px;
}
.research-page .merchant-section-heading {
  margin-bottom: 42px;
}
.research-page .research-library__intro {
  display: block;
}
.research-page .merchant-section-heading h2 {
  font-size: clamp(42px, 5vw, 72px);
}
.research-page .merchant-section-heading > p:last-child {
  width: 100%;
  max-width: 100%;
  margin: 30px auto 0;
  text-align: center;
}
.research-page .merchant-section-heading::after {
  margin-left: auto;
  margin-right: auto;
}
.research-page .merchant-document-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.research-page .merchant-document-card {
  min-height: 250px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 18px;
  padding: 44px 42px 34px;
  text-align: center;
  position: relative;
}
.research-page .merchant-document-number {
  position: absolute;
  top: 28px;
  left: 30px;
}
.research-page .merchant-document-icon {
  flex: 0 0 50px;
  margin: 0;
}
.merchant-document-icon{
  width: 55px;
  height: 55px
}
.research-page .merchant-document-title {
  display: block;
  width: 100%;
  max-width: 440px;
  font-size: 15px;
  font-weight: 600;
  line-height: 1.5;
  text-align: center;
}
.research-page .merchant-document-action {
  display: inline-flex;
  justify-content: center;
}
.research-shell {
  margin-inline: auto;
}
.merchant-resources::after{
  bottom: -1%;
}
.research-hero {
  min-height: 62vh;
  display: grid;
  place-items: center;
  position: relative;
  isolation: isolate;
  overflow: hidden;
  color: #fff;
  background:
    linear-gradient(
      90deg,
      rgba(4, 21, 45, 0.95),
      rgba(7, 29, 60, 0.68),
      rgba(4, 21, 45, 0.9)
    ),
    url("../about-img/about-banner-premium.png") center/cover no-repeat;
  box-shadow: 0 24px 60px rgba(9, 38, 75, 0.14);
}
.research-hero__grid {
  position: absolute;
  inset: 0;
  opacity: 0.28;
  background: linear-gradient(
    90deg,
    transparent 49.8%,
    rgba(255, 255, 255, 0.1) 50%,
    transparent 50.2%
  );
  background-size: 88px 100%;
  mask-image: linear-gradient(
    90deg,
    transparent,
    #000 18%,
    #000 82%,
    transparent
  );
}
.research-hero:before,
.research-hero:after {
  content: "";
  position: absolute;
  border: 1px solid rgba(215, 183, 109, 0.24);
  transform: rotate(45deg);
  z-index: -1;
}
.research-hero:before {
  width: 300px;
  height: 300px;
  left: -140px;
  top: -220px;
}
.research-hero:after {
  width: 230px;
  height: 230px;
  right: -86px;
  bottom: -172px;
}
.research-hero__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 64px;
  padding: 150px 0 100px;
}
.research-hero__copy {
  max-width: 720px;
}
.research-kicker {
  display: flex;
  align-items: center;
  gap: 9px;
  margin: 0 0 16px;
  color: var(--research-green);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
}
.research-kicker span {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #7cb342;
  box-shadow: 0 0 0 5px rgba(124, 179, 66, 0.12);
}
.research-kicker--light {
  color: #d9c48f;
}
.research-hero h1,
.research-page h2,
.research-page h3 {
  font-family: "Cormorant Garamond", serif;
  font-weight: 600;
  line-height: 0.96;
}
.research-hero h1 {
  font-size: clamp(60px, 9vw, 118px);
  letter-spacing: -0.025em;
  margin: 0 0 24px;
}
.research-page em {
  color: var(--research-green);
  font-style: italic;
}
.research-hero em {
  color: #e2c878;
}
.research-hero__body {
  max-width: 540px;
  margin: 0;
  color: rgba(255, 255, 255, 0.78);
  font-size: 15px;
  line-height: 1.85;
}
.research-hero__seal {
  display: grid;
  place-items: center;
  flex: 0 0 168px;
  width: 168px;
  height: 168px;
  border: 1px solid rgba(255, 255, 255, 0.34);
  border-radius: 50%;
  color: #e2c878;
  text-align: center;
  letter-spacing: 0.16em;
  font-size: 10px;
  line-height: 1.55;
}
.research-hero__seal i {
  font-size: 34px;
  margin-bottom: 10px;
}
.research-library {
  padding: 126px 0 138px;
}
.research-library__intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: end;
  margin-bottom: 56px;
}
.research-library h2 {
  font-size: clamp(50px, 6.2vw, 88px);
  letter-spacing: -0.02em;
}
.research-page .merchant-section-heading>p:last-child{
    width: 100%;
}
.merchant-overview-copy>p:not(.merchant-kicker), .merchant-overview-note>p:last-child, .merchant-section-heading>p:last-child {
    width: 100%;
}
.research-library__intro > p {
  max-width: 480px;
  color: var(--research-text);
  font-size: 15px;
  line-height: 1.85;
  margin: 0 0 8px;
}
.research-resources {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
  align-items: stretch;
}
.research-resource {
  position: relative;
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 24px;
  min-height: 340px;
  padding: 36px 36px 34px;
  background: linear-gradient(145deg, #fff 0%, #f5f5ed 100%);
  border: 1px solid rgba(199, 154, 73, 0.2);
  box-shadow: 0 20px 48px rgba(9, 38, 75, 0.1);
  transition:
    transform 0.28s ease,
    box-shadow 0.28s ease;
}
.research-resource:hover {
  transform: translateY(-7px);
  box-shadow: 0 30px 62px rgba(9, 38, 75, 0.16);
}
.research-resource:after {
  content: "";
  position: absolute;
  right: 22px;
  top: 22px;
  width: 78px;
  height: 78px;
  border: 1px solid rgba(199, 154, 73, 0.2);
  transform: rotate(45deg);
}
.research-resource__number {
  font:
    600 18px/1 "Cormorant Garamond",
    serif;
  color: var(--research-gold);
  padding-top: 4px;
}
.research-resource__icon {
  display: grid;
  place-items: center;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--research-navy);
  color: #e2c878;
  font-size: 22px;
  margin-bottom: 28px;
}
.research-resource__content {
  position: relative;
  z-index: 1;
}
.research-resource .research-kicker {
  font-size: 10px;
  margin-bottom: 13px;
}
.research-resource h3 {
  font-size: clamp(32px, 3.2vw, 52px);
  margin: 0 0 18px;
  max-width: 440px;
}
.research-resource h3 em {
  color: var(--research-green);
}
.research-resource__content > p:not(.research-kicker) {
  color: var(--research-text);
  font-size: 14px;
  line-height: 1.8;
  max-width: 420px;
  margin: 0 0 28px;
}
.research-resource__link {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--research-navy);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  text-decoration: none;
}
.research-resource__link i {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--research-gold);
  color: #fff;
  transition: transform 0.2s ease;
}
.research-resource__link:hover {
  color: var(--research-green);
}
.research-resource__link:hover i {
  transform: translateX(4px);
}
.research-note {
  padding: 86px 0;
  background: var(--research-navy);
  color: #fff;
}
.research-note__inner {
  display: grid;
  grid-template-columns: 100px 1fr;
  gap: 34px;
  align-items: start;
}
.research-note__mark {
  display: grid;
  place-items: center;
  width: 72px;
  height: 72px;
  border: 1px solid rgba(226, 200, 120, 0.56);
  border-radius: 50%;
  color: #e2c878;
  font-size: 24px;
}
.research-note h2 {
  font-size: clamp(38px, 4.5vw, 66px);
  max-width: 800px;
  margin: 0 0 18px;
}
.research-note h2 em {
  color: #e2c878;
}
.research-note p:last-child {
  max-width: 650px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 14px;
  line-height: 1.8;
  margin: 0;
}
.research-disclosure {
  padding: 0 0 126px;
}
.research-disclosure__heading {
  max-width: 920px;
  margin-bottom: 28px;
}
.research-disclosure__heading h2 {
  font-family: Poppins, sans-serif;
  font-size: clamp(20px, 2.1vw, 30px);
  font-weight: 700;
  line-height: 1.35;
  margin: 0;
  color: var(--research-navy);
}
.research-disclosure__panel {
  display: grid;
  gap: 10px;
  background: transparent;
  border: 0;
  box-shadow: none;
}
.research-disclosure__table {
  display: grid;
  gap: 10px;
}
.research-disclosure__row {
  display: grid;
  grid-template-columns: minmax(220px, 30%) 1fr;
  overflow: hidden;
  border: 1px solid rgba(9, 38, 75, 0.1);
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 8px 24px rgba(9, 38, 75, 0.055);
  font-size: 14px;
  line-height: 1.6;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.research-disclosure__row:hover {
  transform: translateY(-2px);
  border-color: rgba(199, 154, 73, .42);
  box-shadow: 0 14px 30px rgba(9, 38, 75, .09);
}
.research-disclosure__row strong,
.research-disclosure__row span {
  display: flex;
  align-items: center;
  min-height: 64px;
  padding: 16px 22px;
}
.research-disclosure__row strong {
  color: var(--research-navy);
  border-left: 4px solid var(--research-gold);
  background: linear-gradient(135deg, #fbfaf4 0%, #f4f5ec 100%);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.research-disclosure__row span {
  color: var(--research-text);
  background: #fff;
}
.research-disclosure__logo {
  display: grid;
  grid-template-columns: minmax(220px, 30%) 1fr;
  overflow: hidden;
  align-items: center;
  min-height: 100px;
  border: 1px solid rgba(9, 38, 75, 0.1);
  border-radius: 10px;
  background: #fff;
  box-shadow: 0 8px 24px rgba(9, 38, 75, 0.055);
  font-size: 14px;
}
.research-disclosure__logo span {
  display: flex;
  align-items: center;
  align-self: stretch;
  padding: 22px;
  border-left: 4px solid var(--research-green);
  color: var(--research-navy);
  background: linear-gradient(135deg, #fbfaf4 0%, #f4f5ec 100%);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.research-disclosure__logo img {
  width: 145px;
  max-height: 60px;
  object-fit: contain;
  object-position: left center;
  margin: 18px 22px;
}
.research-disclosure__disclaimer {
  margin: 24px 0 0;
  padding: 18px 22px;
  border-left: 3px solid var(--research-gold);
  background: rgba(255,255,255,.62);
  border-radius: 0 8px 8px 0;
  color: var(--research-navy);
  font:
    italic 600 14px/1.8 "Cormorant Garamond",
    serif;
}
.research-disclosure__disclaimer em {
  font-weight: 700;
}
@media (max-width: 800px) {
  .research-hero__inner {
    padding: 120px 0 80px;
    display: block;
  }
  .research-hero__seal {
    margin-top: 44px;
  }
  .research-library {
    padding: 86px 0;
  }
  .research-library__intro,
  .research-resources {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .research-resource {
    min-height: 0;
  }
  .research-note__inner {
    grid-template-columns: 1fr;
    gap: 22px;
  }
}

/* Logo remains a normal row inside the same regulatory table. */
.research-page table.research-disclosure__table tr.research-disclosure__logo-row {
  display: table-row !important;
  grid-template-columns: none !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo-row > th,
.research-page table.research-disclosure__table tr.research-disclosure__logo-row > td {
  display: table-cell !important;
  width: auto !important;
  min-height: 0 !important;
  vertical-align: middle !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo-row > th {
  width: 30% !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo-row > td {
  width: 70% !important;
  background: #fff !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo-row img {
  display: block !important;
  width: 165px !important;
  max-width: 100% !important;
  height: auto !important;
  max-height: 64px !important;
  margin: 0 !important;
  object-fit: contain !important;
  object-position: left center !important;
}
@media (max-width: 700px) {
  .research-page table.research-disclosure__table tr.research-disclosure__logo-row > th,
  .research-page table.research-disclosure__table tr.research-disclosure__logo-row > td {
    display: block !important;
    width: 100% !important;
  }
}

/* Keep the logo in the Details column; do not let legacy grid rules move it. */
.research-page table.research-disclosure__table tr.research-disclosure__logo {
  display: table-row !important;
  grid-template-columns: none !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo > th {
  display: table-cell !important;
  width: 30% !important;
  vertical-align: middle !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo > td {
  display: table-cell !important;
  width: 70% !important;
  padding: 18px 26px !important;
  vertical-align: middle !important;
  background: #fff !important;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo > td img {
  display: block !important;
  width: 165px !important;
  max-width: 100% !important;
  height: auto !important;
  max-height: 64px !important;
  margin: 0 !important;
  object-fit: contain !important;
  object-position: left center !important;
}
@media (max-width: 700px) {
  .research-page table.research-disclosure__table tr.research-disclosure__logo > th,
  .research-page table.research-disclosure__table tr.research-disclosure__logo > td {
    display: block !important;
    width: 100% !important;
  }
  .research-page table.research-disclosure__table tr.research-disclosure__logo > td {
    padding-top: 10px !important;
  }
}

/* Premium report-style table finish */
.research-page table.research-disclosure__table {
  border-top: 4px solid var(--research-gold);
  background: #fff;
}
.research-page .research-disclosure__caption {
  caption-side: top;
  padding: 24px 28px 20px;
  color: var(--research-navy);
  background: #fff;
  text-align: left;
}
.research-page .research-disclosure__caption span,
.research-page .research-disclosure__caption strong {
  display: block;
}
.research-page .research-disclosure__caption span {
  margin-bottom: 8px;
  color: var(--research-green);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
}
.research-page .research-disclosure__caption strong {
  font-family: "Cormorant Garamond", serif;
  font-size: 30px;
  font-weight: 600;
  line-height: 1;
}
.research-page table.research-disclosure__table thead {
  display: table-header-group;
}
.research-page table.research-disclosure__table thead th {
  padding: 13px 26px;
  border: 0;
  color: rgba(255,255,255,.76);
  background: var(--research-navy);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .16em;
  text-align: left;
  text-transform: uppercase;
}
.research-page table.research-disclosure__table thead th:first-child {
  width: 30%;
  border-left: 4px solid var(--research-gold);
}
.research-page table.research-disclosure__table tbody tr:nth-child(even) td {
  background: #fbfbf7;
}
.research-page table.research-disclosure__table tbody tr:hover td {
  background: #f6f4ea;
}
.research-page table.research-disclosure__table tbody .research-disclosure__logo td {
  background: #f7f6ef;
}
@media (max-width: 700px) {
  .research-page .research-disclosure__caption {
    padding: 21px 18px 18px;
  }
  .research-page .research-disclosure__caption strong {
    font-size: 27px;
  }
  .research-page table.research-disclosure__table thead {
    display: none;
  }
}

/* Semantic regulatory table */
.research-page .research-disclosure__panel {
  width: min(100%, 1040px);
  margin-inline: auto;
  padding: 0;
  border: 1px solid rgba(9, 38, 75, .14);
  border-radius: 14px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 18px 42px rgba(9, 38, 75, .08);
}
.research-page table.research-disclosure__table {
  display: table;
  width: 100%;
  margin: 0;
  border-collapse: collapse;
  border-spacing: 0;
  table-layout: fixed;
}
.research-page .research-disclosure__row {
  display: table-row;
  min-height: 0;
  border: 0;
  background: #fff;
  box-shadow: none;
}
.research-page .research-disclosure__row:hover {
  transform: none;
  border: 0;
  box-shadow: none;
}
.research-page .research-disclosure__row th,
.research-page .research-disclosure__row td {
  display: table-cell;
  min-height: 0;
  padding: 21px 26px;
  border: 0;
  border-bottom: 1px solid rgba(9, 38, 75, .12);
  vertical-align: middle;
  text-align: left;
}
.research-page .research-disclosure__row:last-child th,
.research-page .research-disclosure__row:last-child td {
  border-bottom: 0;
}
.research-page .research-disclosure__row th {
  width: 30%;
  border-left: 4px solid var(--research-gold);
  color: var(--research-navy);
  background: #f7f6ef;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.research-page .research-disclosure__row:nth-child(even) th {
  border-left-color: var(--research-green);
}
.research-page .research-disclosure__row td {
  color: var(--research-text);
  background: #fff;
  font-size: 14px;
  line-height: 1.6;
}
.research-page .research-disclosure__logo th {
  border-left-color: var(--research-green);
}
.research-page .research-disclosure__logo td {
  height: 100px;
}
.research-page .research-disclosure__logo img {
  display: block;
  width: 165px;
  max-height: 64px;
  object-fit: contain;
  object-position: left center;
}
@media (max-width: 700px) {
  .research-page table.research-disclosure__table {
    table-layout: auto;
  }
  .research-page .research-disclosure__row th,
  .research-page .research-disclosure__row td {
    display: block;
    width: 100%;
    padding: 14px 18px;
  }
  .research-page .research-disclosure__row th {
    border-bottom: 0;
  }
  .research-page .research-disclosure__row td {
    padding-top: 0;
  }
  .research-page .research-disclosure__logo td {
    height: auto;
    padding-top: 14px;
    padding-bottom: 20px;
  }
}


/* Final clean page treatment */
.research-page {
  background: #faf9f5;
}
.research-page .research-hero {
  min-height: 60vh;
  background:
    linear-gradient(90deg, rgba(4, 21, 45, .94), rgba(7, 29, 60, .66), rgba(4, 21, 45, .88)),
    url("../about-img/about-banner-premium.png") center / cover no-repeat;
}
.research-page .research-hero__inner {
  padding: 132px 0 92px;
}
.research-page .research-hero h1 {
  font-size: clamp(56px, 7vw, 98px);
  margin-bottom: 18px;
}
.research-page .research-hero__body {
  max-width: 460px;
  font-size: 14px;
  line-height: 1.75;
}
.research-page .research-library {
  padding: 100px 0 112px;
}
.research-page .merchant-section-heading {
  margin-bottom: 38px;
}
.research-page .merchant-section-heading h2 {
  font-size: clamp(42px, 5vw, 68px);
  line-height: 1;
}
.research-page .merchant-section-heading > p:last-child {
  max-width: 680px;
  color: #68748a;
  font-size: 14px;
  line-height: 1.75;
}
.research-page .merchant-document-grid {
  gap: 20px;
}
.research-page .merchant-document-card {
  min-height: 220px;
  border: 1px solid rgba(9, 38, 75, .1);
  border-radius: 10px;
  box-shadow: 0 10px 28px rgba(9, 38, 75, .055);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.research-page .merchant-document-card:hover {
  transform: translateY(-4px);
  border-color: rgba(199, 154, 73, .55);
  box-shadow: 0 18px 36px rgba(9, 38, 75, .1);
}
.research-page .merchant-document-title {
  color: var(--research-navy);
  font-size: 15px;
}
.research-page .research-disclosure {
  padding: 92px 0 112px;
  background: #f4f3ed;
}
.research-page .research-disclosure::before {
  display: none;
}
.research-page .research-disclosure__heading {
  margin-bottom: 30px;
}
.research-page .research-disclosure__heading h2 {
  font-size: clamp(22px, 2.5vw, 34px);
  line-height: 1.25;
}
.research-page .research-disclosure__panel {
  max-width: 1040px;
  margin-inline: auto;
  border-radius: 12px;
  box-shadow: 0 16px 38px rgba(9, 38, 75, .07);
}
.research-page .research-disclosure__row strong {
  color: #294666;
  background: #f8f8f3;
  font-size: 11px;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.research-page .research-disclosure__row span {
  color: #56627a;
  font-size: 14px;
}
.research-page .research-disclosure__logo img {
  width: 150px;
}
.research-page .research-disclosure__disclaimer {
  max-width: 1040px;
  color: #09264b;
  border: 0;
  background: transparent;
  font-size: 16px;
  text-align: left;
}
.research-page .research-note {
  padding: 76px 0;
}
@media (max-width: 700px) {
  .research-page .research-hero__inner {
    padding: 116px 0 72px;
  }
  .research-page .research-library {
    padding: 76px 0 84px;
  }
  .research-page .research-disclosure {
    padding: 72px 0 82px;
  }
}
@media (max-width: 520px) {
  .research-shell {
    width: min(100% - 36px, 1220px);
  }
  .research-hero h1 {
    font-size: 64px;
  }
  .research-resource {
    grid-template-columns: 42px 1fr;
    padding: 26px 22px;
  }
  .research-resource__icon {
    width: 50px;
    height: 50px;
    font-size: 18px;
  }
  .research-resource h3 {
    font-size: 38px;
  }
  .research-resource:after {
    display: none;
  }
  .research-disclosure__row,
  .research-disclosure__logo {
    grid-template-columns: 1fr;
  }
  .research-disclosure__row strong {
    min-height: auto;
    padding-bottom: 5px;
  }
  .research-disclosure__row span {
    min-height: auto;
    padding-top: 5px;
  }
  .research-disclosure__logo span {
    min-height: auto;
  }
  .research-disclosure__logo img {
    margin: 18px 22px;
  }
  .research-page .merchant-document-grid{
        grid-template-columns: repeat(1, minmax(0, 1fr));
  }
}

/* Keep the regulatory information in a true table layout. */
.research-page .research-disclosure__panel {
  display: block;
  width: 100%;
  padding: 0;
  border: 1px solid rgba(9, 38, 75, .14);
  border-radius: 14px;
  background: #fff;
  box-shadow: 0 22px 52px rgba(9, 38, 75, .09);
  overflow: hidden;
}
.research-page .research-disclosure__table {
  display: block;
  width: 100%;
}
.research-page .research-disclosure__row {
  display: grid;
  grid-template-columns: 30% 70%;
  min-height: 74px;
  padding: 0;
  border: 0;
  border-bottom: 1px solid rgba(9, 38, 75, .14);
  border-radius: 0;
  background: #fff;
  box-shadow: none;
  transform: none;
}
.research-page .research-disclosure__row:last-child {
  border-bottom: 0;
}
.research-page .research-disclosure__row:hover {
  transform: none;
  border-color: rgba(9, 38, 75, .14);
  box-shadow: none;
}
.research-page .research-disclosure__row strong,
.research-page .research-disclosure__row span {
  display: flex;
  align-items: center;
  min-height: 74px;
  padding: 18px 22px;
  border: 0;
  border-radius: 0;
}
.research-page .research-disclosure__row strong {
  margin: 0;
  border-left: 4px solid var(--research-gold);
  color: var(--research-navy);
  background: #f7f6ef;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .02em;
  text-transform: none;
}
.research-page .research-disclosure__row:nth-child(even) strong {
  border-left-color: var(--research-green);
}
.research-page .research-disclosure__row span {
  color: var(--research-text);
  background: #fff;
  font-size: 14px;
  line-height: 1.55;
}
.research-page .research-disclosure__logo {
  display: grid;
  grid-template-columns: 30% 70%;
  min-height: 104px;
  margin: 0;
  border: 0;
  border-top: 1px solid rgba(9, 38, 75, .14);
  border-radius: 0;
  background: #fff;
  box-shadow: none;
}
.research-page .research-disclosure__logo span {
  display: flex;
  align-items: center;
  min-height: 104px;
  padding: 22px;
  border-left: 4px solid var(--research-green);
  color: var(--research-navy);
  background: #f7f6ef;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .02em;
  text-transform: none;
}
.research-page .research-disclosure__logo img {
  width: 170px;
  max-height: 64px;
  margin: 20px 22px;
  object-position: left center;
}
@media (max-width: 700px) {
  .research-page .research-disclosure__row,
  .research-page .research-disclosure__logo {
    grid-template-columns: 1fr;
  }
  .research-page .research-disclosure__row strong,
  .research-page .research-disclosure__row span,
  .research-page .research-disclosure__logo span {
    min-height: auto;
  }
  .research-page .research-disclosure__row strong {
    padding-bottom: 8px;
  }
  .research-page .research-disclosure__row span {
    padding-top: 8px;
  }
}

/* Final semantic-table overrides: these intentionally come last. */
.research-page table.research-disclosure__table {
  display: table;
  width: 100%;
  border-collapse: collapse;
  table-layout: fixed;
}
.research-page table.research-disclosure__table tr.research-disclosure__row {
  display: table-row;
  min-height: 0;
  transform: none;
  border: 0;
  box-shadow: none;
}
.research-page table.research-disclosure__table tr.research-disclosure__row th,
.research-page table.research-disclosure__table tr.research-disclosure__row td {
  display: table-cell;
  width: auto;
  min-height: 0;
  padding: 21px 26px;
  border: 0;
  border-bottom: 1px solid rgba(9, 38, 75, .12);
  vertical-align: middle;
  text-align: left;
}
.research-page table.research-disclosure__table tr.research-disclosure__row th {
  width: 30%;
  border-left: 4px solid var(--research-gold);
  color: var(--research-navy);
  background: #f7f6ef;
  font-size: 11px;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.research-page table.research-disclosure__table tr.research-disclosure__row:nth-child(even) th {
  border-left-color: var(--research-green);
}
.research-page table.research-disclosure__table tr.research-disclosure__row td {
  color: var(--research-text);
  background: #fff;
  font-size: 14px;
  line-height: 1.6;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo td {
  height: 100px;
}
.research-page table.research-disclosure__table tr.research-disclosure__logo img {
  display: block;
  width: 165px;
  max-height: 64px;
  margin: 0;
  object-fit: contain;
  object-position: left center;
}
@media (max-width: 700px) {
  .research-page table.research-disclosure__table {
    table-layout: auto;
  }
  .research-page table.research-disclosure__table tr.research-disclosure__row th,
  .research-page table.research-disclosure__table tr.research-disclosure__row td {
    display: block;
    width: 100%;
    padding: 14px 18px;
  }
  .research-page table.research-disclosure__table tr.research-disclosure__row th {
    border-bottom: 0;
  }
  .research-page table.research-disclosure__table tr.research-disclosure__row td {
    padding-top: 6px;
  }
}