:root {
  --ink: #152033;
  --muted: #5f6b7a;
  --line: #e7ecf2;
  --paper: #ffffff;
  --soft: #f6f8fb;
  --navy: #0b315f;
  --teal: #0e7c7b;
  --gold: #c99a43;
  --coral: #d95f55;
  --rose: #a32f68;
  --shadow: 0 18px 45px rgba(21, 32, 51, 0.1);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.62;
  font-size: 17px;
}

a {
  color: inherit;
}

img {
  max-width: 100%;
  height: auto;
}

.container {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -48px;
  padding: 10px 14px;
  background: var(--ink);
  color: white;
  z-index: 100;
}

.skip-link:focus {
  top: 16px;
}

.topbar {
  background: var(--navy);
  color: white;
  font-size: 0.92rem;
}

.topbar .container {
  display: flex;
  gap: 18px;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  padding: 8px 0;
}

.topbar a {
  color: white;
  text-decoration: none;
  border-bottom: 1px solid rgba(255, 255, 255, 0.35);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 74px;
}

.brand {
  display: inline-flex;
  flex-direction: column;
  text-decoration: none;
  line-height: 1;
}

.brand strong {
  font-size: 1.75rem;
  letter-spacing: 0;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 700;
  line-height: 0.95;
}

.brand span {
  margin-top: 6px;
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  min-height: 24px;
  padding: 3px 10px;
  border-radius: 999px;
  background: rgba(201, 154, 67, 0.12);
  border: 1px solid rgba(201, 154, 67, 0.18);
  color: var(--gold);
  font-size: 0.78rem;
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.08em;
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  background: white;
  color: var(--ink);
  border-radius: var(--radius);
  font-size: 1.35rem;
}

.nav-links {
  display: flex;
  gap: 20px;
  align-items: center;
}

.nav-group {
  position: relative;
  display: inline-flex;
  align-items: center;
}

.nav-group summary {
  list-style: none;
  cursor: pointer;
  font-weight: 700;
  color: var(--ink);
  font-size: 0.96rem;
  padding: 0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.nav-group summary::-webkit-details-marker {
  display: none;
}

.nav-group summary:hover,
.nav-group summary:focus {
  color: var(--teal);
}

.nav-group[open] summary {
  color: var(--teal);
}

.nav-group summary::after {
  content: "▾";
  font-size: 0.82em;
  line-height: 1;
  transition: transform 0.18s ease;
}

.nav-group[open] summary::after {
  transform: rotate(180deg);
}

.nav-dropdown {
  position: absolute;
  left: 0;
  top: calc(100% + 12px);
  min-width: 240px;
  padding: 10px;
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  display: none;
  z-index: 30;
}

.nav-group[open] .nav-dropdown,
.nav-group:hover .nav-dropdown,
.nav-group:focus-within .nav-dropdown {
  display: block;
}

.nav-dropdown a {
  display: block;
  padding: 9px 10px;
  border-radius: 6px;
  font-weight: 600;
}

.nav-dropdown a:hover,
.nav-dropdown a:focus {
  background: #edf6f7;
}

.nav-links a {
  text-decoration: none;
  font-weight: 700;
  color: var(--ink);
  font-size: 0.96rem;
}

.nav-links a:hover,
.nav-links a:focus {
  color: var(--teal);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  background: var(--teal);
  color: white;
  font-weight: 800;
  text-decoration: none;
  box-shadow: 0 12px 26px rgba(14, 124, 123, 0.22);
}

.button:hover,
.button:focus {
  background: #096968;
}

.button.secondary {
  background: white;
  color: var(--navy);
  border-color: var(--line);
  box-shadow: none;
}

.button.accent {
  background: var(--coral);
  box-shadow: 0 12px 26px rgba(217, 95, 85, 0.22);
}

.cookie-banner {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 80;
  display: none;
  max-width: 980px;
  margin: 0 auto;
  background: rgba(21, 32, 51, 0.98);
  color: white;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.cookie-banner.is-visible {
  display: block;
}

.cookie-banner__inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 16px;
  align-items: center;
  padding: 18px 20px;
}

.cookie-banner__text p {
  margin: 6px 0 0;
  color: rgba(255, 255, 255, 0.82);
}

.cookie-banner__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.cookie-banner .button.secondary {
  background: transparent;
  color: white;
  border-color: rgba(255, 255, 255, 0.24);
}

.cookie-banner .button.secondary:hover,
.cookie-banner .button.secondary:focus {
  background: rgba(255, 255, 255, 0.08);
}

.hero {
  background:
    linear-gradient(115deg, rgba(11, 49, 95, 0.96), rgba(14, 124, 123, 0.82)),
    radial-gradient(circle at 80% 20%, rgba(201, 154, 67, 0.4), transparent 32%),
    var(--navy);
  color: white;
  padding: 54px 0 34px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(320px, 0.92fr);
  gap: 44px;
  align-items: center;
}

.eyebrow {
  color: var(--gold);
  font-weight: 800;
  text-transform: uppercase;
  font-size: 0.82rem;
}

h1,
h2,
h3 {
  line-height: 1.16;
  margin: 0 0 16px;
  letter-spacing: 0;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 700;
}

h1 {
  font-size: clamp(2.15rem, 4vw, 3.75rem);
  max-width: 790px;
}

h2 {
  font-size: clamp(1.75rem, 3vw, 2.6rem);
}

h3 {
  font-size: 1.25rem;
}

p {
  margin: 0 0 16px;
}

.lead {
  font-size: 1.08rem;
  max-width: 760px;
}

.hero .lead {
  color: rgba(255, 255, 255, 0.9);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 26px 0 24px;
}

.trust-list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  padding: 0;
  margin: 26px 0 0;
  list-style: none;
}

.trust-list li {
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  padding: 12px;
  background: rgba(255, 255, 255, 0.08);
  font-weight: 700;
}

.hero-panel {
  background: rgba(255, 255, 255, 0.95);
  color: var(--ink);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}

.hero-panel ul {
  padding-left: 20px;
  margin: 0 0 20px;
}

.hero-panel li + li {
  margin-top: 8px;
}

.disclosure {
  font-size: 0.92rem;
  color: var(--muted);
}

.hero .disclosure {
  color: rgba(255, 255, 255, 0.76);
}

.section {
  padding: 68px 0;
}

.section.soft {
  background: var(--soft);
}

.section-head {
  display: flex;
  justify-content: space-between;
  align-items: end;
  gap: 24px;
  margin-bottom: 28px;
}

.section-head p {
  max-width: 680px;
  color: var(--muted);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}

.card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: 0 10px 28px rgba(21, 32, 51, 0.05);
}

.card.highlight {
  border-color: rgba(201, 154, 67, 0.45);
  box-shadow: var(--shadow);
}

.card p {
  color: var(--muted);
}

.tag {
  display: inline-flex;
  align-items: center;
  min-height: 28px;
  padding: 4px 9px;
  border-radius: 999px;
  background: #eef8f8;
  color: var(--teal);
  font-size: 0.78rem;
  font-weight: 800;
}

.card-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}

.comparison {
  width: 100%;
  border-collapse: collapse;
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}

.comparison th,
.comparison td {
  padding: 15px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

.comparison th {
  background: #eef3f8;
  color: var(--navy);
}

.comparison tr:last-child td {
  border-bottom: 0;
}

.content-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 24px;
}

.content-list .card {
  box-shadow: none;
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 34px;
  align-items: start;
}

.article {
  max-width: 820px;
}

.article h2 {
  margin-top: 34px;
}

.article ul,
.article ol {
  padding-left: 22px;
}

.sidebar {
  position: sticky;
  top: 98px;
}

.cta-strip {
  background: var(--navy);
  color: white;
  padding: 34px;
  border-radius: var(--radius);
}

.cta-strip p {
  color: rgba(255, 255, 255, 0.84);
}

.breadcrumb {
  color: var(--muted);
  font-size: 0.92rem;
  margin-bottom: 20px;
}

.breadcrumb a {
  color: var(--navy);
}

.page-hero {
  background: var(--soft);
  border-bottom: 1px solid var(--line);
  padding: 42px 0;
}

.footer {
  background: #101725;
  color: rgba(255, 255, 255, 0.78);
  padding: 46px 0 26px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.8fr;
  gap: 30px;
}

.footer a {
  color: white;
}

.footer-links {
  margin-top: 10px;
  color: rgba(255, 255, 255, 0.72);
}

.footer-links a {
  text-decoration: none;
}

.footer h2,
.footer h3,
.footer strong {
  color: white;
}

.footer ul {
  padding: 0;
  margin: 0;
  list-style: none;
}

.footer li + li {
  margin-top: 8px;
}

.legal-note {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  font-size: 0.88rem;
}

.back-to-top {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 45;
  border: 0;
  border-radius: var(--radius);
  background: var(--navy);
  color: white;
  padding: 11px 14px;
  font-weight: 800;
  cursor: pointer;
  box-shadow: var(--shadow);
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: 0.2s ease;
}

.back-to-top.is-visible {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}

.notice {
  border-left: 4px solid var(--gold);
  background: #fff8ea;
  padding: 16px 18px;
  border-radius: var(--radius);
}

.contact-box {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

@media (max-width: 920px) {
  .brand {
    padding: 7px 12px 9px;
    border-radius: 16px;
  }

  .brand strong {
    font-size: 1.55rem;
  }

  .brand span {
    font-size: 0.72rem;
    padding: 2px 8px;
  }

  .hero-grid,
  .article-layout,
  .grid-2,
  .footer-grid,
  .contact-box {
    grid-template-columns: 1fr;
  }

  .grid-3 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .sidebar {
    position: static;
  }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .nav-links {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: 74px;
    flex-direction: column;
    align-items: stretch;
    padding: 18px 16px 22px;
    background: white;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
  }

  .nav-links.is-open {
    display: flex;
  }

  .nav-links a,
  .nav-group {
    padding: 10px 0;
  }

  .nav-group {
    display: block;
  }

  .nav-dropdown {
    position: static;
    display: block;
    min-width: 0;
    padding: 8px 0 0 12px;
    margin-top: 6px;
    border: 0;
    box-shadow: none;
    background: transparent;
  }

  .section-head {
    display: block;
  }
}

@media (max-width: 640px) {
  .topbar .container {
    display: flex;
    align-items: flex-start;
    gap: 4px 12px;
  }

  .hero {
    padding-top: 50px;
  }

  .trust-list,
  .grid-3 {
    grid-template-columns: 1fr;
  }

  .comparison,
  .comparison tbody,
  .comparison tr,
  .comparison td {
    display: block;
    width: 100%;
  }

  .comparison {
    border: 0;
    background: transparent;
    border-radius: 0;
    overflow: visible;
  }

  .comparison thead {
    display: none;
  }

  .comparison tr {
    margin-bottom: 14px;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    background: white;
    box-shadow: 0 10px 28px rgba(21, 32, 51, 0.05);
    overflow: hidden;
  }

  .comparison td {
    border-bottom: 1px solid var(--line);
    padding: 13px 15px;
    white-space: normal;
  }

  .comparison td::before {
    content: attr(data-label);
    display: block;
    margin-bottom: 4px;
    color: var(--navy);
    font-weight: 800;
    font-size: 0.82rem;
    text-transform: uppercase;
  }

  .content-list {
    grid-template-columns: 1fr;
  }

  .button {
    width: 100%;
  }

  .cookie-banner {
    left: 10px;
    right: 10px;
    bottom: 10px;
  }

  .cookie-banner__inner {
    grid-template-columns: 1fr;
  }
}