/* Start custom CSS for html, class: .elementor-element-d0ec692 */.em-fraud-guide {
    --ef-text: #202832;
    --ef-muted: #5e6975;
    --ef-dark: #131a22;
    --ef-dark-soft: #222c38;
    --ef-yellow: #f4b400;
    --ef-yellow-soft: #fff7dd;
    --ef-red: #a93226;
    --ef-red-soft: #fff4f2;
    --ef-green: #257a50;
    --ef-green-soft: #edf8f2;
    --ef-blue: #1766a8;
    --ef-bg: #f5f7f9;
    --ef-border: #dde4e9;
    --ef-card: #ffffff;
    max-width: 1180px;
    margin: 0 auto;
    color: var(--ef-text);
    font-family: inherit;
    font-size: 18px;
    line-height: 1.72;
}

.em-fraud-guide *,
.em-fraud-guide *::before,
.em-fraud-guide *::after {
    box-sizing: border-box;
}

.em-fraud-guide h1,
.em-fraud-guide h2,
.em-fraud-guide h3,
.em-fraud-guide p,
.em-fraud-guide li,
.em-fraud-guide a {
    overflow-wrap: anywhere;
}

.em-fraud-guide h1 {
    margin: 16px 0 22px;
    color: #fff;
    font-size: clamp(36px, 5vw, 62px);
    line-height: 1.08;
    letter-spacing: -0.025em;
}

.em-fraud-guide h2 {
    margin: 0 0 22px;
    color: var(--ef-dark);
    font-size: clamp(28px, 3.5vw, 42px);
    line-height: 1.18;
    letter-spacing: -0.015em;
}

.em-fraud-guide h3 {
    margin: 28px 0 13px;
    color: var(--ef-dark);
    font-size: clamp(21px, 2.4vw, 26px);
    line-height: 1.3;
}

.em-fraud-guide p {
    margin: 0 0 18px;
}

.em-fraud-guide a {
    color: var(--ef-blue);
    text-underline-offset: 3px;
}

.em-fraud-guide a:focus-visible,
.em-fraud-guide summary:focus-visible,
.em-fraud-guide input:focus-visible {
    outline: 3px solid rgba(244, 180, 0, .65);
    outline-offset: 4px;
}

.em-fraud-hero {
    position: relative;
    overflow: hidden;
    margin-bottom: 26px;
    padding: clamp(34px, 6vw, 72px);
    border-radius: 28px;
    background:
        radial-gradient(circle at 92% 4%, rgba(244, 180, 0, .26), transparent 31%),
        linear-gradient(135deg, var(--ef-dark), var(--ef-dark-soft));
}

.em-fraud-hero::after {
    position: absolute;
    right: -90px;
    bottom: -130px;
    width: 330px;
    height: 330px;
    border: 1px solid rgba(255, 255, 255, .09);
    border-radius: 50%;
    content: "";
}

.em-fraud-hero__content {
    position: relative;
    z-index: 1;
}

.em-fraud-label {
    display: inline-flex;
    padding: 7px 12px;
    border-radius: 999px;
    background: var(--ef-yellow);
    color: #171717;
    font-size: 13px;
    font-weight: 850;
    line-height: 1.2;
    letter-spacing: .045em;
    text-transform: uppercase;
}

.em-fraud-lead {
    max-width: 960px;
    color: #e1e7ec;
    font-size: clamp(19px, 2vw, 23px);
    line-height: 1.56;
}

.em-fraud-hero__facts {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 12px;
    margin-top: 30px;
}

.em-fraud-hero__facts > div {
    padding: 18px;
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 15px;
    background: rgba(255, 255, 255, .06);
}

.em-fraud-hero__facts strong,
.em-fraud-hero__facts span {
    display: block;
}

.em-fraud-hero__facts strong {
    margin-bottom: 5px;
    color: #fff;
    font-size: 17px;
}

.em-fraud-hero__facts span {
    color: #cbd4dc;
    font-size: 14px;
    line-height: 1.45;
}

.em-fraud-updated {
    margin-top: 22px !important;
    color: #abb6c1;
    font-size: 14px;
}

.em-fraud-danger,
.em-fraud-warning {
    margin: 26px 0;
    padding: 21px 23px;
    border-left: 5px solid var(--ef-red);
    border-radius: 14px;
    background: var(--ef-red-soft);
    color: #6d211a;
    line-height: 1.65;
}

.em-fraud-answer,
.em-fraud-section,
.em-fraud-toc {
    margin: 30px 0;
    padding: clamp(26px, 5vw, 48px);
    border: 1px solid var(--ef-border);
    border-radius: 24px;
    background: var(--ef-card);
}

.em-fraud-answer {
    background: var(--ef-bg);
}

.em-fraud-answer__grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
    margin-top: 24px;
}

.em-fraud-answer__grid article {
    padding: 20px;
    border: 1px solid var(--ef-border);
    border-radius: 15px;
    background: #fff;
}

.em-fraud-answer__grid strong {
    display: block;
    margin-bottom: 7px;
    color: var(--ef-dark);
    font-size: 17px;
}

.em-fraud-answer__grid p {
    margin: 0;
    color: var(--ef-muted);
    font-size: 15px;
    line-height: 1.55;
}

.em-fraud-toc h2 {
    margin-bottom: 17px;
    font-size: 25px;
}

.em-fraud-toc ol {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 7px 28px;
    margin: 0;
    padding-left: 23px;
}

.em-fraud-toc a {
    color: var(--ef-text);
    font-weight: 650;
    text-decoration: none;
}

.em-fraud-toc a:hover {
    color: var(--ef-blue);
    text-decoration: underline;
}

.em-fraud-section {
    position: relative;
}

.em-fraud-section__number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 48px;
    height: 32px;
    margin-bottom: 14px;
    border-radius: 999px;
    background: var(--ef-dark);
    color: #fff;
    font-size: 13px;
    font-weight: 850;
}

.em-fraud-list {
    margin: 18px 0 22px;
    padding-left: 24px;
}

.em-fraud-list li {
    margin-bottom: 10px;
    padding-left: 5px;
}

.em-fraud-list li::marker {
    color: var(--ef-yellow);
    font-weight: 850;
}

.em-fraud-list--good {
    padding: 22px 22px 12px 44px;
    border-radius: 15px;
    background: var(--ef-green-soft);
}

.em-fraud-list--good li::marker {
    color: var(--ef-green);
}

.em-fraud-note {
    margin: 24px 0 4px;
    padding: 20px 22px;
    border-left: 5px solid var(--ef-yellow);
    border-radius: 12px;
    background: var(--ef-yellow-soft);
    color: #523d00;
}

.em-fraud-steps,
.em-fraud-action-list {
    margin: 24px 0;
    padding: 0;
    list-style: none;
}

.em-fraud-steps li,
.em-fraud-action-list li {
    display: grid;
    grid-template-columns: 48px minmax(0, 1fr);
    gap: 16px;
    align-items: start;
    padding: 17px 0;
    border-bottom: 1px solid var(--ef-border);
}

.em-fraud-steps li:last-child,
.em-fraud-action-list li:last-child {
    border-bottom: 0;
}

.em-fraud-steps li > span,
.em-fraud-action-list li > span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--ef-yellow);
    color: var(--ef-dark);
    font-weight: 850;
}

.em-fraud-steps strong,
.em-fraud-action-list strong {
    display: block;
    margin-bottom: 4px;
    color: var(--ef-dark);
    font-size: 18px;
}

.em-fraud-steps p,
.em-fraud-action-list p {
    margin: 0;
    color: var(--ef-muted);
    font-size: 16px;
}

.em-fraud-schemes {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 15px;
}

.em-fraud-scheme {
    padding: 23px;
    border: 1px solid var(--ef-border);
    border-radius: 17px;
    background: var(--ef-bg);
}

.em-fraud-scheme > span {
    display: inline-flex;
    padding: 5px 10px;
    border-radius: 999px;
    background: var(--ef-red);
    color: #fff;
    font-size: 12px;
    font-weight: 850;
}

.em-fraud-scheme h3 {
    margin: 14px 0 10px;
    font-size: 21px;
}

.em-fraud-scheme p {
    color: var(--ef-muted);
    font-size: 16px;
    line-height: 1.62;
}

.em-fraud-scheme strong {
    display: block;
    margin: 19px 0 5px;
    color: var(--ef-green);
    font-size: 15px;
}

.em-fraud-scheme strong + p {
    margin-bottom: 0;
}

.em-fraud-quotes {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.em-fraud-quotes article {
    padding: 22px;
    border: 1px solid #efd2ce;
    border-radius: 16px;
    background: var(--ef-red-soft);
}

.em-fraud-quotes h3 {
    margin: 0 0 10px;
    color: #75271f;
    font-size: 20px;
}

.em-fraud-quotes p {
    margin: 0;
    color: #68433f;
    font-size: 16px;
}

.em-fraud-table-wrap {
    max-width: 100%;
    overflow-x: auto;
    border: 1px solid var(--ef-border);
    border-radius: 17px;
    -webkit-overflow-scrolling: touch;
}

.em-fraud-table {
    width: 100%;
    min-width: 850px;
    border-collapse: collapse;
    font-size: 15px;
    line-height: 1.52;
}

.em-fraud-table th,
.em-fraud-table td {
    padding: 17px 18px;
    border-bottom: 1px solid var(--ef-border);
    text-align: left;
    vertical-align: top;
}

.em-fraud-table th {
    background: var(--ef-dark);
    color: #fff;
    font-size: 14px;
}

.em-fraud-table tbody tr:nth-child(even) {
    background: var(--ef-bg);
}

.em-fraud-table tbody tr:last-child td {
    border-bottom: 0;
}

.em-fraud-cards,
.em-fraud-law {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.em-fraud-cards article,
.em-fraud-law article {
    padding: 22px;
    border: 1px solid var(--ef-border);
    border-radius: 16px;
    background: var(--ef-bg);
}

.em-fraud-cards span {
    color: var(--ef-red);
    font-size: 13px;
    font-weight: 850;
}

.em-fraud-cards h3,
.em-fraud-law h3 {
    margin: 8px 0 8px;
    font-size: 20px;
}

.em-fraud-cards p,
.em-fraud-law p {
    margin: 0;
    color: var(--ef-muted);
    font-size: 16px;
}

.em-fraud-conditions {
    margin: 22px 0;
    padding: 0;
    list-style: none;
    counter-reset: ef-condition;
}

.em-fraud-conditions li {
    position: relative;
    margin-bottom: 11px;
    padding: 16px 18px 16px 58px;
    border-radius: 13px;
    background: var(--ef-bg);
}

.em-fraud-conditions li::before {
    position: absolute;
    top: 50%;
    left: 16px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: var(--ef-yellow);
    color: var(--ef-dark);
    content: counter(ef-condition);
    counter-increment: ef-condition;
    font-size: 14px;
    font-weight: 850;
    transform: translateY(-50%);
}

.em-fraud-materials {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
    margin: 24px 0;
}

.em-fraud-materials article {
    padding: 22px;
    border: 1px solid var(--ef-border);
    border-radius: 16px;
    background: var(--ef-bg);
}

.em-fraud-materials h3 {
    margin: 0 0 9px;
    font-size: 20px;
}

.em-fraud-materials p {
    margin: 0;
    color: var(--ef-muted);
    font-size: 16px;
}

.em-fraud-after {
    margin: 0;
    padding-left: 24px;
}

.em-fraud-after li {
    margin-bottom: 18px;
    padding-left: 6px;
}

.em-fraud-after li::marker {
    color: var(--ef-yellow);
    font-weight: 850;
}

.em-fraud-after strong {
    display: block;
    margin-bottom: 4px;
    color: var(--ef-dark);
}

.em-fraud-after p {
    margin: 0;
    color: var(--ef-muted);
}

.em-fraud-checklist {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 11px;
}

.em-fraud-checklist label {
    display: grid;
    grid-template-columns: 26px minmax(0, 1fr);
    gap: 12px;
    align-items: start;
    padding: 16px;
    border: 1px solid var(--ef-border);
    border-radius: 13px;
    background: var(--ef-bg);
    cursor: pointer;
}

.em-fraud-checklist input {
    width: 21px;
    height: 21px;
    margin-top: 2px;
    accent-color: var(--ef-green);
}

.em-fraud-checklist span {
    font-size: 16px;
    line-height: 1.5;
}

.em-fraud-service {
    position: relative;
    overflow: hidden;
    margin: 30px 0;
    padding: clamp(30px, 6vw, 60px);
    border-radius: 26px;
    background:
        radial-gradient(circle at 95% 0%, rgba(244, 180, 0, .24), transparent 35%),
        var(--ef-dark);
    color: #fff;
}

.em-fraud-service__content {
    position: relative;
    z-index: 1;
    max-width: 950px;
}

.em-fraud-service h2 {
    margin-top: 18px;
    color: #fff;
}

.em-fraud-service p {
    color: #d7dfe6;
}

.em-fraud-service__buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 27px 0 20px;
}

.em-fraud-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 50px;
    padding: 13px 22px;
    border: 2px solid transparent;
    border-radius: 12px;
    font-size: 16px;
    font-weight: 800;
    line-height: 1.2;
    text-align: center;
    text-decoration: none !important;
    transition: transform .18s ease, background-color .18s ease, border-color .18s ease;
}

.em-fraud-button:hover {
    transform: translateY(-1px);
}

.em-fraud-button--primary {
    background: var(--ef-yellow);
    color: #171717 !important;
}

.em-fraud-button--secondary {
    border-color: rgba(255, 255, 255, .35);
    background: rgba(255, 255, 255, .08);
    color: #fff !important;
}

.em-fraud-service__facts {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
}

.em-fraud-service__facts span {
    padding: 8px 11px;
    border-radius: 999px;
    background: rgba(255, 255, 255, .09);
    color: #dae2e9;
    font-size: 13px;
}

.em-fraud-faq details {
    margin-bottom: 11px;
    border: 1px solid var(--ef-border);
    border-radius: 14px;
    background: var(--ef-bg);
}

.em-fraud-faq summary {
    position: relative;
    padding: 19px 54px 19px 20px;
    color: var(--ef-dark);
    font-weight: 750;
    line-height: 1.45;
    cursor: pointer;
    list-style: none;
}

.em-fraud-faq summary::-webkit-details-marker {
    display: none;
}

.em-fraud-faq summary::after {
    position: absolute;
    top: 50%;
    right: 19px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 27px;
    height: 27px;
    border-radius: 50%;
    background: var(--ef-yellow);
    color: var(--ef-dark);
    content: "+";
    font-size: 20px;
    font-weight: 850;
    transform: translateY(-50%);
}

.em-fraud-faq details[open] summary::after {
    content: "−";
}

.em-fraud-faq details > div {
    padding: 0 20px 18px;
    color: var(--ef-muted);
}

.em-fraud-faq details p {
    margin: 0;
}

.em-fraud-related {
    margin: 30px 0;
    padding: clamp(26px, 5vw, 46px);
    border-radius: 24px;
    background: var(--ef-bg);
}

.em-fraud-related__grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.em-fraud-related__grid a {
    display: block;
    padding: 22px;
    border: 1px solid var(--ef-border);
    border-radius: 16px;
    background: #fff;
    color: var(--ef-text);
    text-decoration: none;
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.em-fraud-related__grid a:hover {
    border-color: #b9c5ce;
    color: var(--ef-text);
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(20, 30, 40, .08);
}

.em-fraud-related__grid strong,
.em-fraud-related__grid span {
    display: block;
}

.em-fraud-related__grid strong {
    margin-bottom: 7px;
    color: var(--ef-dark);
    font-size: 18px;
    line-height: 1.35;
}

.em-fraud-related__grid span {
    color: var(--ef-muted);
    font-size: 15px;
    line-height: 1.5;
}

@media (max-width: 920px) {
    .em-fraud-hero__facts,
    .em-fraud-answer__grid,
    .em-fraud-materials {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .em-fraud-toc ol,
    .em-fraud-schemes,
    .em-fraud-quotes,
    .em-fraud-cards,
    .em-fraud-law,
    .em-fraud-checklist,
    .em-fraud-related__grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 767px) {
    .em-fraud-guide {
        font-size: 16px;
        line-height: 1.68;
    }

    .em-fraud-hero {
        margin-right: -4px;
        margin-left: -4px;
        padding: 29px 18px;
        border-radius: 20px;
    }

    .em-fraud-guide h1 {
        font-size: clamp(31px, 10vw, 42px);
    }

    .em-fraud-guide h2 {
        font-size: 27px;
    }

    .em-fraud-guide h3 {
        font-size: 21px;
    }

    .em-fraud-lead {
        font-size: 18px;
    }

    .em-fraud-hero__facts,
    .em-fraud-answer__grid,
    .em-fraud-materials {
        grid-template-columns: 1fr;
    }

    .em-fraud-answer,
    .em-fraud-section,
    .em-fraud-toc,
    .em-fraud-related {
        padding: 22px 17px;
        border-radius: 18px;
    }

    .em-fraud-danger,
    .em-fraud-warning {
        padding: 18px;
    }

    .em-fraud-service {
        padding: 30px 18px;
        border-radius: 20px;
    }

    .em-fraud-service__buttons {
        display: grid;
        grid-template-columns: 1fr;
    }

    .em-fraud-button {
        width: 100%;
    }

    .em-fraud-service__facts {
        display: grid;
        grid-template-columns: 1fr;
    }

    .em-fraud-service__facts span {
        border-radius: 10px;
    }
}

@media (max-width: 420px) {
    .em-fraud-steps li,
    .em-fraud-action-list li {
        grid-template-columns: 40px minmax(0, 1fr);
        gap: 11px;
    }

    .em-fraud-steps li > span,
    .em-fraud-action-list li > span {
        width: 37px;
        height: 37px;
    }

    .em-fraud-scheme,
    .em-fraud-quotes article,
    .em-fraud-cards article,
    .em-fraud-law article {
        padding: 18px;
    }

    .em-fraud-faq summary {
        padding: 17px 48px 17px 16px;
    }

    .em-fraud-faq summary::after {
        right: 13px;
    }

    .em-fraud-faq details > div {
        padding: 0 16px 16px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .em-fraud-button,
    .em-fraud-related__grid a {
        transition: none;
    }
}/* End custom CSS */