:root {
  --red: #b62025;
  --red-dark: #85171b;
  --ink: #17212b;
  --navy: #102b3f;
  --slate: #51606d;
  --cream: #f7f4ee;
  --mist: #eef3f5;
  --white: #ffffff;
  --gold: #d2aa67;
  --line: #d8e0e4;
  --shadow: 0 18px 50px rgba(16, 43, 63, .12);
  --radius: 22px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--red-dark); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--red); }
h1, h2, h3 { color: var(--navy); line-height: 1.12; letter-spacing: -.025em; }
h1 { font-size: clamp(2.55rem, 6vw, 5.2rem); margin: .25rem 0 1.2rem; max-width: 900px; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); margin: 0 0 1rem; }
h3 { font-size: 1.3rem; margin: 0 0 .55rem; }
p { margin: 0 0 1.15rem; }
button, input, select, textarea { font: inherit; }

.skip-link { position: absolute; left: -999px; top: 8px; z-index: 999; background: white; padding: 10px; }
.skip-link:focus { left: 8px; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.narrow { width: min(780px, calc(100% - 40px)); margin-inline: auto; }
.eyebrow { color: var(--red); font-weight: 800; letter-spacing: .12em; text-transform: uppercase; font-size: .76rem; }
.lead { color: var(--slate); font-size: clamp(1.08rem, 2vw, 1.3rem); max-width: 760px; }
.muted { color: var(--slate); }
.center { text-align: center; }
.center .lead { margin-inline: auto; }
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.section-mist { background: var(--mist); }
.section-cream { background: var(--cream); }

.topline { background: var(--navy); color: #dce8ed; font-size: .86rem; }
.topline .container { min-height: 38px; display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.topline a { color: white; text-decoration: none; font-weight: 700; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(16,43,63,.1); backdrop-filter: blur(14px); }
.nav-shell { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; min-width: 240px; }
.brand img { width: 238px; height: 70px; object-fit: contain; object-position: left center; }
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > a, .nav-group > button { color: var(--ink); background: transparent; border: 0; text-decoration: none; padding: 12px 11px; font-weight: 750; cursor: pointer; white-space: nowrap; }
.main-nav > a:hover, .nav-group > button:hover { color: var(--red); }
.nav-group { position: relative; }
.nav-group > button::after { content: "⌄"; margin-left: 6px; }
.dropdown { display: none; position: absolute; top: 100%; left: 0; width: 280px; background: white; border: 1px solid var(--line); border-radius: 15px; box-shadow: var(--shadow); padding: 10px; }
.nav-group:hover .dropdown, .nav-group:focus-within .dropdown { display: block; }
.dropdown a { display: block; color: var(--ink); text-decoration: none; padding: 10px 12px; border-radius: 10px; font-weight: 650; }
.dropdown a:hover { background: var(--mist); color: var(--red); }
.nav-cta { background: var(--red) !important; color: white !important; border-radius: 999px; padding-inline: 18px !important; margin-left: 6px; }
.menu-toggle { display: none; border: 1px solid var(--line); background: white; border-radius: 10px; width: 44px; height: 44px; font-size: 1.35rem; }

.hero { position: relative; overflow: hidden; background: linear-gradient(120deg, #fff 0%, #fff 55%, #edf3f5 55%, #f7f4ee 100%); }
.hero::before { content: ""; position: absolute; width: 520px; height: 520px; border: 1px solid rgba(182,32,37,.12); border-radius: 50%; right: -220px; top: -210px; }
.hero-grid { min-height: 680px; display: grid; grid-template-columns: 1.12fr .88fr; align-items: center; gap: 52px; padding: 80px 0; }
.hero h1 { font-size: clamp(2.2rem, 4.5vw, 4.25rem); }
.hero h1 em { color: var(--red); font-style: normal; }
.hero-art { position: relative; }
.hero-art img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; object-position: center; border-radius: 24px; box-shadow: 0 30px 55px rgba(16,43,63,.22); }
.trust-chip { position: absolute; background: white; border-radius: 16px; padding: 14px 17px; box-shadow: var(--shadow); font-weight: 800; color: var(--navy); }
.trust-chip.one { left: -24px; bottom: 72px; }
.trust-chip.two { right: -12px; top: 54px; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0; }
.button { display: inline-flex; justify-content: center; align-items: center; gap: 8px; min-height: 50px; padding: 12px 22px; border-radius: 999px; border: 2px solid var(--red); background: var(--red); color: white; text-decoration: none; font-weight: 800; cursor: pointer; }
.button:hover { color: white; background: var(--red-dark); border-color: var(--red-dark); }
.button.secondary { color: var(--navy); background: transparent; border-color: var(--navy); }
.button.secondary:hover { color: white; background: var(--navy); }
.button.light { color: var(--navy); background: white; border-color: white; }
.button.light:hover { color: var(--red); background: var(--cream); }
.quick-trust { display: flex; flex-wrap: wrap; gap: 22px; color: var(--slate); font-size: .93rem; }
.quick-trust span::before { content: "✓"; color: var(--red); font-weight: 900; margin-right: 7px; }

.page-hero { padding: 92px 0 74px; background: radial-gradient(circle at 88% 20%, rgba(210,170,103,.28), transparent 32%), linear-gradient(135deg, var(--navy), #173f59); color: white; }
.page-hero h1 { color: white; font-size: clamp(2.5rem, 5vw, 4.6rem); }
.page-hero .lead { color: #d8e7ed; }
.breadcrumbs { color: #bdd1da; font-size: .9rem; margin-bottom: 28px; }
.breadcrumbs a { color: white; }

.grid-2, .grid-3, .grid-4 { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: white; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: 0 8px 30px rgba(16,43,63,.06); }
.card:hover { transform: translateY(-3px); transition: .2s ease; box-shadow: var(--shadow); }
.card .icon { width: 52px; height: 52px; display: grid; place-items: center; border-radius: 14px; background: rgba(182,32,37,.09); color: var(--red); font-weight: 900; font-size: 1.25rem; margin-bottom: 20px; }
.card-link { text-decoration: none; color: inherit; }
.card-link:hover { color: inherit; }
.card-link .more { color: var(--red); font-weight: 800; }
.stat { padding: 22px 0; border-top: 1px solid var(--line); }
.stat strong { color: var(--navy); display: block; font-size: 1.22rem; }

.steps { counter-reset: step; display: grid; gap: 18px; }
.step { counter-increment: step; display: grid; grid-template-columns: 58px 1fr; gap: 18px; padding: 24px; background: white; border: 1px solid var(--line); border-radius: 18px; }
.step::before { content: counter(step); width: 46px; height: 46px; display: grid; place-items: center; border-radius: 50%; background: var(--red); color: white; font-weight: 900; }
.step h3 { margin-top: 4px; }

.checklist { list-style: none; padding: 0; margin: 18px 0; }
.checklist li { position: relative; padding: 10px 0 10px 32px; border-bottom: 1px solid rgba(16,43,63,.08); }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--red); font-weight: 900; }
.callout { border-left: 5px solid var(--gold); background: var(--cream); padding: 24px 26px; border-radius: 0 15px 15px 0; }
.warning { border-color: var(--red); background: #fff5f5; }
.source-box { font-size: .92rem; color: var(--slate); background: var(--mist); padding: 22px; border-radius: 14px; }

.comparison { width: 100%; border-collapse: collapse; margin: 28px 0; overflow: hidden; border-radius: 15px; box-shadow: 0 0 0 1px var(--line); }
.comparison th, .comparison td { text-align: left; padding: 18px; border-bottom: 1px solid var(--line); vertical-align: top; }
.comparison th { color: white; background: var(--navy); }
.comparison td:first-child { font-weight: 800; color: var(--navy); width: 23%; }
.comparison tr:last-child td { border-bottom: 0; }

.quiz { background: var(--navy); color: white; border-radius: 28px; padding: 36px; }
.quiz h2, .quiz h3 { color: white; }
.quiz label { display: block; padding: 12px 14px; margin: 9px 0; border: 1px solid rgba(255,255,255,.25); border-radius: 12px; cursor: pointer; }
.quiz label:hover { background: rgba(255,255,255,.08); }
.quiz-result { display: none; background: white; color: var(--ink); padding: 20px; border-radius: 14px; margin-top: 18px; }
.quiz-result.show { display: block; }

.faq { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-question { width: 100%; display: flex; justify-content: space-between; gap: 20px; text-align: left; padding: 21px 0; border: 0; background: transparent; color: var(--navy); font-weight: 850; cursor: pointer; }
.faq-question::after { content: "+"; color: var(--red); font-size: 1.4rem; }
.faq-question[aria-expanded="true"]::after { content: "−"; }
.faq-answer { display: none; padding: 0 0 22px; color: var(--slate); }
.faq-answer.open { display: block; }

.cta-band { background: linear-gradient(120deg, var(--red-dark), var(--red)); color: white; padding: 62px 0; }
.cta-band h2 { color: white; }
.cta-row { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta-row p { color: #ffe8e9; max-width: 670px; margin-bottom: 0; }

.site-footer { color: #c8d6dd; background: #0b202f; padding: 64px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 36px; }
.footer-brand img { width: 260px; margin-bottom: 18px; background: white; border-radius: 8px; padding: 8px; }
.site-footer h3 { color: white; font-size: 1rem; }
.site-footer a { color: #dce8ed; text-decoration: none; display: block; margin: 7px 0; }
.site-footer a:hover { color: white; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-top: 26px; margin-top: 38px; border-top: 1px solid rgba(255,255,255,.13); font-size: .84rem; }
.fine-print { font-size: .81rem; color: #9fb2bc; max-width: 830px; }

@media (max-width: 980px) {
  .menu-toggle { display: block; }
  .main-nav { display: none; position: absolute; top: 118px; left: 20px; right: 20px; padding: 16px; background: white; border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow); align-items: stretch; flex-direction: column; }
  .main-nav.open { display: flex; }
  .main-nav > a, .nav-group > button { width: 100%; text-align: left; }
  .dropdown { position: static; display: block; width: 100%; border: 0; box-shadow: none; padding: 0 0 0 15px; }
  .nav-group > button::after { display: none; }
  .nav-cta { margin: 6px 0 0; text-align: center !important; }
  .hero-grid { grid-template-columns: 1fr; min-height: auto; }
  .hero-art { max-width: 620px; margin-inline: auto; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 700px) {
  .topline .container { justify-content: center; text-align: center; }
  .topline span:first-child { display: none; }
  .brand { min-width: 0; }
  .brand img { width: 205px; height: 60px; }
  .section { padding: 64px 0; }
  .hero-grid { padding: 56px 0 70px; gap: 20px; }
  .trust-chip { position: static; display: inline-block; margin: 6px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .cta-row { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .comparison { font-size: .86rem; }
  .comparison th, .comparison td { padding: 12px 10px; }
}

@media print {
  .topline, .site-header, .cta-band, .site-footer, .actions, .menu-toggle { display: none !important; }
  body { color: #000; }
  .page-hero { color: #000; background: white; padding: 20px 0; }
  .page-hero h1 { color: #000; }
  .section { padding: 25px 0; }
}