:root {
  --ink: #14171f;
  --muted: #596070;
  --line: #d9dee7;
  --paper: #ffffff;
  --soft: #f4f7f3;
  --cream: #fbf7ef;
  --orange: #e86f2b;
  --orange-dark: #b84c18;
  --green: #0f7b62;
  --teal: #125d6b;
  --blue: #315c93;
  --shadow: 0 18px 50px rgba(20, 23, 31, 0.12);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

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

.skip-link {
  position: absolute;
  left: -999px;
  top: 12px;
  z-index: 20;
  background: var(--ink);
  color: white;
  padding: 8px 12px;
}

.skip-link:focus {
  left: 12px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  gap: 20px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  text-decoration: none;
  white-space: nowrap;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius);
  background: transparent;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(232, 111, 43, 0.22);
}

.brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-left: auto;
}

.nav-links a,
.footer-grid a {
  color: var(--muted);
  text-decoration: none;
  font-size: 14px;
  font-weight: 650;
}

.nav-links a:hover,
.footer-grid a:hover {
  color: var(--orange-dark);
}

.nav-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 18px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  text-decoration: none;
  font-weight: 800;
  line-height: 1.2;
}

.nav-cta,
.button.primary {
  color: #fff;
  background: var(--orange);
  box-shadow: 0 10px 22px rgba(232, 111, 43, 0.22);
}

.button.secondary {
  color: var(--ink);
  border-color: var(--line);
  background: #fff;
}

.button:hover,
.nav-cta:hover {
  transform: translateY(-1px);
}

.nav-toggle {
  display: none;
  min-height: 42px;
  padding: 0 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
  color: var(--ink);
  font-weight: 800;
}

.hero {
  background:
    radial-gradient(circle at 8% 18%, rgba(232, 111, 43, 0.14), transparent 30%),
    linear-gradient(120deg, #ffffff 0%, #f6f8fb 44%, #ecf5ef 100%);
  border-bottom: 1px solid var(--line);
}

.hero-grid {
  min-height: 640px;
  display: grid;
  grid-template-columns: minmax(0, 0.94fr) minmax(320px, 1.06fr);
  gap: 46px;
  align-items: center;
  padding-block: 54px;
}

.hero-copy {
  max-width: 650px;
}

.eyebrow,
.section-kicker,
.badge {
  margin: 0 0 12px;
  color: var(--green);
  font-size: 13px;
  font-weight: 850;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  line-height: 1.12;
  margin: 0;
}

h1 {
  max-width: 820px;
  font-size: clamp(44px, 7vw, 82px);
}

h2 {
  font-size: clamp(30px, 4.2vw, 48px);
  margin-bottom: 18px;
}

h3 {
  font-size: 21px;
  margin-bottom: 10px;
}

.lead {
  color: var(--muted);
  font-size: 20px;
  max-width: 660px;
  margin: 22px 0 0;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.risk-note {
  margin-top: 18px;
  color: var(--muted);
  font-size: 14px;
}

.hero-media {
  margin: 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--ink);
}

.hero-media img {
  width: 100%;
  aspect-ratio: 16 / 11;
  object-fit: cover;
}

.trust-strip {
  background: var(--ink);
  color: white;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.trust-grid div {
  padding: 22px 28px;
  border-left: 1px solid rgba(255, 255, 255, 0.14);
}

.trust-grid div:first-child {
  border-left: 0;
}

.trust-grid strong {
  display: block;
  font-size: 16px;
}

.trust-grid span {
  color: rgba(255, 255, 255, 0.72);
  font-size: 14px;
}

.section {
  padding-block: 76px;
}

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

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 1.05fr);
  gap: 42px;
  align-items: start;
}

.section p {
  color: var(--muted);
  font-size: 17px;
}

.fact-card,
.card,
.offer-card,
.source-box,
.notice,
.policy-panel,
.mini-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
}

.fact-card {
  padding: 8px;
  box-shadow: var(--shadow);
}

.facts {
  margin: 0;
}

.facts div {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 18px;
  padding: 16px;
  border-bottom: 1px solid var(--line);
}

.facts div:last-child {
  border-bottom: 0;
}

.facts dt {
  color: var(--muted);
  font-weight: 750;
}

.facts dd {
  margin: 0;
  font-weight: 750;
}

.cards {
  display: grid;
  gap: 18px;
}

.cards.three {
  grid-template-columns: repeat(3, 1fr);
}

.cards.two {
  grid-template-columns: repeat(2, 1fr);
}

.card,
.mini-card,
.policy-panel {
  padding: 24px;
}

.card p,
.mini-card p,
.policy-panel p {
  margin-bottom: 0;
}

.offer-card {
  display: grid;
  grid-template-columns: 1.1fr 1fr auto;
  gap: 28px;
  align-items: center;
  padding: 28px;
  box-shadow: var(--shadow);
}

.check-list {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

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

.timeline {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.timeline article {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}

.timeline span {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  margin-bottom: 18px;
  border-radius: 50%;
  color: #fff;
  background: var(--green);
  font-weight: 900;
}

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

.compare-table th,
.compare-table td {
  padding: 16px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

.compare-table th {
  background: var(--ink);
  color: white;
}

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

.source-box {
  padding: 24px;
}

.source-box a {
  display: block;
  padding: 13px 0;
  color: var(--blue);
  font-weight: 750;
}

.notice {
  padding: 18px;
  border-left: 6px solid var(--orange);
  color: var(--ink);
  background: var(--cream);
}

.text-link {
  display: inline-flex;
  margin-top: 12px;
  color: var(--orange-dark);
  font-weight: 850;
}

.faq-list {
  display: grid;
  gap: 12px;
}

details {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
}

summary {
  cursor: pointer;
  padding: 18px 20px;
  font-weight: 850;
}

details p {
  margin: 0;
  padding: 0 20px 20px;
}

.final-cta {
  color: white;
  background: linear-gradient(120deg, var(--ink), #273330 62%, #3b2c24);
}

.final-cta p,
.final-cta .section-kicker {
  color: rgba(255, 255, 255, 0.76);
}

.final-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 30px;
  align-items: center;
}

.site-footer {
  padding: 34px 0;
  border-top: 1px solid var(--line);
  background: #fff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 30px;
}

.footer-grid p {
  max-width: 650px;
  margin: 8px 0 0;
  color: var(--muted);
}

.footer-grid div:last-child {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: flex-end;
}

.page-hero {
  padding: 72px 0 46px;
  background: linear-gradient(120deg, #fff, var(--soft));
  border-bottom: 1px solid var(--line);
}

.page-hero p {
  max-width: 760px;
  color: var(--muted);
  font-size: 19px;
}

.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 36px;
}

.toc {
  position: sticky;
  top: 96px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  background: white;
}

.toc a {
  display: block;
  padding: 8px 0;
  color: var(--muted);
  text-decoration: none;
  font-weight: 700;
}

.stack > * + * {
  margin-top: 20px;
}

.prose h2 {
  margin-top: 40px;
}

.prose ul,
.prose ol {
  color: var(--muted);
  font-size: 17px;
}

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

@media (max-width: 980px) {
  .nav {
    flex-wrap: wrap;
  }

  .nav-toggle {
    display: inline-flex;
    margin-left: auto;
  }

  .nav-links {
    order: 3;
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: flex-start;
    padding: 12px 0 18px;
  }

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

  .nav-cta {
    display: none;
  }

  .hero-grid,
  .split,
  .content-grid,
  .final-grid {
    grid-template-columns: 1fr;
  }

  .hero-grid {
    min-height: auto;
  }

  .cards.three,
  .cards.two,
  .timeline,
  .trust-grid,
  .offer-card {
    grid-template-columns: 1fr;
  }

  .trust-grid div {
    border-left: 0;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
  }

  .trust-grid div:first-child {
    border-top: 0;
  }

  .toc {
    position: static;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 24px, var(--max));
  }

  .section {
    padding-block: 54px;
  }

  .hero-grid {
    padding-block: 40px;
    gap: 28px;
  }

  .lead {
    font-size: 18px;
  }

  .facts div {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .button,
  .cta-row {
    width: 100%;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid div:last-child {
    justify-content: flex-start;
  }
}