.ach-hero{display:grid;grid-template-columns:1.25fr .85fr;gap:55px;padding:25px 0 50px}.ach-hero h1{font-size:43px;line-height:1.15;letter-spacing:-1px;margin:25px 0}.ach-hero p,.ach-article .reference-section>p,.ach-article .reference-split p{font-size:15px;line-height:1.9}.ach-hero .reference-benefits li{font-size:13px}.ach-helper{align-self:start;background:white;border:1px solid #d7e5ee;border-radius:12px;padding:24px;box-shadow:0 10px 25px #23455715}.ach-helper header{display:flex;justify-content:space-between;align-items:center;gap:10px}.ach-helper h2{font-size:18px;margin:0}.ach-helper header>span{font-size:9px;color:#087c93;background:#e8f6f5;border-radius:10px;padding:4px 7px}.ach-helper>p{font-size:12px;line-height:1.8}.ach-helper fieldset{padding:0;border:0;margin:18px 0}.ach-helper legend{font-size:12px;font-weight:600;color:#284659;margin-bottom:8px}.ach-helper label{display:inline-flex;align-items:center;gap:5px;padding:7px;margin:0 4px 6px 0;border:1px solid #d9e6ee;background:#f4f9fc;border-radius:5px;font-size:11px;cursor:pointer}.ach-helper input{width:12px;height:12px;margin:0;accent-color:#007491}.ach-helper label:has(input:checked){background:#e2f1f6;border-color:#78b5c8}.ach-helper-result{background:#eaf4fa;border-left:3px solid #007491;padding:15px;border-radius:4px}.ach-helper-result>span{font-size:9px;letter-spacing:.4px;color:#6e8b9f}.ach-helper-result strong{display:block;font-size:22px;color:#203642;margin:10px 0}.ach-helper-result p{font-size:13px;line-height:1.8;margin:8px 0}.ach-helper .ach-helper-note{font-size:11px;color:#718a9d;margin-top:20px}.ach-summary-cards{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:25px 0}.ach-summary-cards>div{padding:25px;background:#f8fcfe;border:1px solid #dce9f0;border-radius:8px}.ach-summary-cards>div:first-child{background:#f0faf5;border-color:#d0e9dc}.ach-summary-cards>div>span{font-size:10px;letter-spacing:.7px;color:#5c8498}.ach-summary-cards h3{font-size:23px;color:#007491;margin:12px 0}.ach-summary-cards>div:first-child h3{color:#0c9168}.ach-summary-cards p{font-size:14px;line-height:1.9}.ach-summary-cards>div>div{display:flex;gap:8px;flex-wrap:wrap}.ach-summary-cards b{font-size:10px;color:#087b8e;background:#e1f1f5;padding:5px 8px;border-radius:15px}.ach-centered{text-align:center}.ach-prose{max-width:760px;margin:auto}.ach-prose p{font-size:15px;line-height:1.9}.ach-prose h3{font-size:18px;margin-top:25px}.ach-diagram{max-width:760px;margin:35px auto;background:white;border-top:4px solid #007491;border-radius:6px;padding:28px;text-align:left}.ach-diagram h3{font-size:23px;margin:10px 0 25px}.ach-diagram figcaption{border-top:1px solid #e5eef4;padding-top:14px;margin-top:20px;font-size:11px;text-align:center;color:#7993a5;line-height:1.8}.ach-visual-table>div{display:grid;grid-template-columns:.7fr 1fr 1fr;gap:12px;border-bottom:1px solid #e5edf3;align-items:stretch}.ach-visual-table span,.ach-visual-table b{font-size:12px;line-height:1.8;padding:14px 10px}.ach-visual-table b{background:#205878;color:white;border-radius:4px;font-size:15px}.ach-visual-table b:last-child{background:#087d94}.ach-visual-table span:nth-child(2){background:#f0f7fc}.ach-visual-table span:nth-child(3){background:#edf9f6}.ach-explainer{max-width:700px;margin:25px auto;padding:45px 25px;border-radius:9px;background:radial-gradient(ellipse at 0 0,#08634d,transparent 65%),linear-gradient(130deg,#102641,#06132d);color:white}.ach-explainer>span{font-size:10px;letter-spacing:2px;color:#a5c8db}.ach-explainer>strong{display:block;font-size:42px;line-height:1.2;margin:25px 0}.ach-explainer>div{display:flex;justify-content:center;flex-wrap:wrap;gap:10px}.ach-explainer b{font-size:11px;background:#ffffff12;border:1px solid #ffffff22;padding:9px;border-radius:4px}.ach-explainer p{font-size:13px;color:#bfd6e0;margin-top:25px}.ach-table{overflow-x:auto;margin:25px 0}.ach-table table{width:100%;min-width:590px;border-collapse:collapse}.ach-table td,.ach-table th{padding:15px 12px;border-bottom:1px solid #dfeaf2;text-align:left;vertical-align:top;font-size:13px;line-height:1.9}.ach-table th{background:#edf5fa;color:#355669}.ach-table td:first-child{font-weight:600;color:#007491}.ach-detail-grid,.ach-send-grid{display:grid;grid-template-columns:1fr 1fr;gap:25px 35px;margin-top:25px}.ach-detail-grid h3,.ach-send-grid h3{font-size:16px}.ach-detail-grid p,.ach-send-grid li{font-size:14px;line-height:1.9}.ach-send-grid>div{background:white;border:1px solid #dce8ef;border-radius:6px;padding:22px}.ach-send-grid ol{padding-left:22px}.ach-send-grid li{padding:0 0 14px 6px}.ach-send-grid li::marker{color:#007491;font-weight:600}.ach-flow{max-width:600px;margin:auto;text-align:center}.ach-flow>div{background:#edf7fb;border:1px solid #d3e6ee;border-radius:7px;padding:20px}.ach-flow>div:last-child{background:#edf9f2;border-color:#c7e5d7}.ach-flow b{font-size:15px;color:#203642}.ach-flow p{font-size:13px;line-height:1.9}.ach-flow>span{display:block;font-size:26px;margin:8px;color:#81a1b4}.ach-fee-cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:25px 0}.ach-fee-cards>div{background:#f8fcfe;border:1px solid #dce8f0;border-radius:6px;padding:18px 12px}.ach-fee-cards span{font-size:9px;color:#7291a3;display:block}.ach-fee-cards b{display:block;font-size:15px;color:#007491;margin-top:12px}.ach-sameday-note{max-width:760px;margin:35px auto;background:#e8f3f9;border:1px solid #d6e6ef;border-radius:8px;text-align:center;padding:30px}.ach-sameday-note h2{font-size:23px}.ach-sameday-note p{font-size:14px;line-height:1.9}.ach-route-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.ach-route-cards>div{background:#f0f7fb;border:1px solid #d6e7ef;border-radius:6px;padding:20px 13px}.ach-route-cards>div:last-child{background:#edf9f3;border-color:#cce8da}.ach-route-cards h4{font-size:15px;margin:0 0 15px}.ach-route-cards p{font-size:13px;line-height:1.8}.ach-route-cards b{font-size:12px;color:#007491}.ach-bank-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:25px 0}.ach-bank-grid h3{font-size:13px}.ach-bank-grid p{font-size:12px;line-height:1.9}.ach-article .mt-related p{font-size:14px;line-height:1.9}.ach-source-note{font-size:12px;line-height:1.9;margin:30px 0 40px;color:#708c9e}.ach-helper input:focus-visible{outline:2px solid #007491;outline-offset:3px}@media(max-width:700px){.ach-hero{grid-template-columns:1fr;gap:25px}.ach-hero h1{font-size:35px}.ach-summary-cards,.ach-detail-grid,.ach-send-grid{grid-template-columns:1fr}.ach-diagram{padding:20px 14px}.ach-diagram h3{font-size:21px}.ach-visual-table{overflow-x:auto}.ach-visual-table>div{min-width:480px}.ach-explainer>strong{font-size:34px}.ach-fee-cards{grid-template-columns:1fr 1fr}.ach-route-cards{grid-template-columns:1fr}.ach-sameday-note{padding:20px}.ach-bank-grid,.ach-article .mt-related{grid-template-columns:1fr 1fr}}@media(max-width:420px){.ach-bank-grid,.ach-article .mt-related{grid-template-columns:1fr}}