:root {
  --clr-acc: #f7cb0d;
  --clr-acc-deep: #c48a04;
  --clr-page: #fffaf4;
  --clr-panel: #fdecd7;
  --clr-edge: #f2d2ac;
  --clr-ink: #1c1108;
  --clr-ink-soft: rgba(33,18,6,.6);
  --gap: 84px;
  --round: 14px;
  --lift: 0 8px 30px rgba(196,106,4,.12);
  --face-head: 'Syne', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --face-body: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--face-body); background: var(--clr-page); color: var(--clr-ink); line-height: 1.65; font-size: 17px; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--clr-acc-deep); }
h1,h2,h3,h4 { font-family: var(--face-head); line-height: 1.18; color: var(--clr-ink); font-weight: 700; letter-spacing: -.005em; }
h1 { font-size: clamp(2.1rem,4.4vw,3.1rem); margin: 0 0 .5em; }
h2 { font-size: clamp(1.55rem,2.7vw,2.2rem); margin: 0 0 .55em; }
h3 { font-size: 1.25rem; margin: 0 0 .4em; }
p { margin: 0 0 1em; }

.cta { display:inline-flex; align-items:center; justify-content:center; gap:.4em; padding:.72em 1.5em; border-radius:var(--round); border:1px solid transparent; font:inherit; font-weight:600; cursor:pointer; text-decoration:none; line-height:1.1; transition:transform .12s ease, background .15s ease, color .15s ease; }
.cta:hover { transform:translateY(-1px); }
.cta-acc { background:var(--clr-acc); color:#1c1108; }
.cta-acc:hover { background:var(--clr-acc-deep); color:#1c1108; }
.cta-out { border-color:var(--clr-acc); color:var(--clr-acc-deep); background:transparent; }
.cta-out:hover { background:var(--clr-acc); color:#1c1108; }
.cta-ghost { background:transparent; color:var(--clr-ink); border-color:var(--clr-edge); }
.icon { display:inline-flex; vertical-align:middle; }
.icon svg { display:block; }
.container { max-width:1280px; margin:0 auto; padding:0 24px; }
.container-narrow { max-width:760px; }
.panel { padding:var(--gap) 0; background:var(--clr-page); }
.panel-bare { background:var(--clr-page); }
.panel-alt { background:var(--clr-panel); }
.panel-dark { background:#1c1108; color:#fff; }
.panel-intro { color:var(--clr-ink-soft); max-width:660px; margin-bottom:2em; }

.nav { background:var(--clr-page); border-bottom:1px solid var(--clr-edge); padding:18px 0; }
.nav-top { display:flex; align-items:center; justify-content:center; position:relative; }
.nav-logo { font-family:var(--face-head); font-size:1.5rem; font-weight:800; color:var(--clr-ink); text-decoration:none; letter-spacing:-.01em; }
.nav-logo span { color:var(--clr-acc-deep); }
.nav-nav { display:flex; justify-content:center; gap:30px; margin-top:14px; }
.nav-link { color:var(--clr-ink); text-decoration:none; font-weight:500; font-size:.96rem; }
.nav-link:hover { color:var(--clr-acc-deep); }
.nav-toggle { display:none; position:absolute; right:0; top:50%; transform:translateY(-50%); background:none; border:0; width:40px; height:40px; cursor:pointer; flex-direction:column; gap:5px; align-items:center; justify-content:center; }
.nav-toggle span { display:block; width:22px; height:2px; background:var(--clr-ink); }
.nav-compact { padding:12px 0; }
.nav-compact .nav-top { justify-content:space-between; }
.nav-compact .nav-nav { margin-top:0; gap:22px; }
@media (min-width:769px){ .nav-compact .nav-nav { margin-left:auto; } }

.hero { background:var(--clr-panel); border-bottom:1px solid var(--clr-edge); }
.hero-narrow { max-width:820px; }
.hero h1 { margin-bottom:.35em; }
.hero-quote { font-family:var(--face-head); font-style:italic; font-size:clamp(1.2rem,2.2vw,1.6rem); line-height:1.4; color:var(--clr-ink); border-left:3px solid var(--clr-acc); padding-left:22px; margin:1.2em 0 1.6em; }
.hero-quote cite { display:block; font-style:normal; font-size:.92rem; font-family:var(--face-body); color:var(--clr-ink-soft); margin-top:12px; }
.hero-sub { font-size:1.12rem; color:var(--clr-ink-soft); margin:0 0 1.6em; }
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; }
@media (min-width:861px){ .hero-split .hero-quote { float:right; width:42%; margin:0 0 1em 28px; } }

.metrics { display:flex; flex-wrap:wrap; gap:18px; justify-content:center; text-align:center; }
.metric { flex:1; min-width:150px; background:var(--clr-page); border:1px solid var(--clr-edge); border-radius:var(--round); box-shadow:var(--lift); padding:26px 16px; }
.metric-num { display:block; font-family:var(--face-head); font-size:2.2rem; font-weight:800; color:var(--clr-acc-deep); }
.metric-lbl { display:block; color:var(--clr-ink-soft); font-size:.9rem; margin-top:4px; }
.metric-lbl-solo { display:block; font-family:var(--face-head); font-weight:700; color:var(--clr-acc-deep); font-size:1.1rem; }

.ranking-feature { background:var(--clr-page); border:2px solid var(--clr-acc); border-radius:var(--round); padding:28px 28px 24px; box-shadow:var(--lift); margin-bottom:18px; }
.ranking-feature-top { display:flex; align-items:center; gap:14px; flex-wrap:wrap; margin-bottom:12px; }
.ranking-list { list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:14px; counter-reset:rank; }
.ranking-row { display:grid; grid-template-columns:auto 1fr auto; gap:18px; align-items:center; background:var(--clr-page); border:1px solid var(--clr-edge); border-radius:var(--round); box-shadow:var(--lift); padding:20px 22px; }
.ranking-num { font-family:var(--face-head); font-weight:800; font-size:1.8rem; color:var(--clr-acc); width:42px; text-align:center; }
.ranking-main { min-width:0; }
.ranking-name-row { display:flex; align-items:center; gap:10px; flex-wrap:wrap; margin-bottom:4px; }
.ranking-name { font-family:var(--face-head); font-weight:700; font-size:1.15rem; color:var(--clr-ink); text-decoration:none; }
.ranking-name:hover { color:var(--clr-acc-deep); }
.ranking-focus { color:var(--clr-ink-soft); font-size:.94rem; margin:0; }
.ranking-meta { color:var(--clr-ink-soft); font-size:.86rem; margin:4px 0 0; }
.ranking-side { display:flex; flex-direction:column; align-items:flex-end; gap:8px; white-space:nowrap; }
.ranking-badge { display:inline-block; background:var(--clr-acc); color:#1c1108; font-size:.68rem; font-weight:700; padding:.25em .7em; border-radius:var(--round); text-transform:uppercase; letter-spacing:.03em; }
.ranking-rate { display:inline-flex; align-items:center; gap:6px; font-family:var(--face-head); font-weight:700; font-size:.95rem; color:var(--clr-acc-deep); white-space:nowrap; }
.ranking-rate-glyph { color:var(--clr-acc); letter-spacing:.05em; }
.ranking-rate-bar { display:inline-block; width:34px; height:7px; border-radius:4px; background:var(--clr-acc); }
.ranking-rate-pill { background:var(--clr-panel); border:1px solid var(--clr-edge); border-radius:999px; padding:.12em .7em; }
.ranking-cards { display:grid; grid-template-columns:repeat(auto-fill,minmax(300px,1fr)); }
.ranking-cards .ranking-row { grid-template-columns:1fr; }
.ranking-cards .ranking-side { align-items:stretch; }

.spotlight-tabs { display:flex; gap:8px; flex-wrap:wrap; margin-bottom:0; border-bottom:1px solid var(--clr-edge); }
.spotlight-tab { background:none; border:0; border-bottom:2px solid transparent; font:inherit; font-family:var(--face-head); font-weight:700; font-size:1rem; color:var(--clr-ink-soft); padding:10px 16px; cursor:pointer; margin-bottom:-1px; }
.spotlight-tab.is-active { color:var(--clr-ink); border-bottom-color:var(--clr-acc); }
.spotlight-panel { display:none; padding-top:26px; }
.spotlight-panel.is-active { display:block; }
.spotlight-card { display:flex; gap:22px; align-items:flex-start; flex-wrap:wrap; background:var(--clr-panel); border:1px solid var(--clr-edge); border-radius:var(--round); padding:26px; }
.spotlight-logo { width:72px; height:72px; border-radius:18px; background:var(--clr-acc); padding:12px; flex-shrink:0; }
.spotlight-body { flex:1; min-width:240px; }
.spotlight-body h3 { margin:0 0 .3em; }
.spotlight-bullets { margin:1em 0 1.2em; padding-left:1.1em; color:var(--clr-ink-soft); }
.spotlight-bullets li { margin-bottom:.35em; }
.spotlight-banner { align-items:center; border-width:2px; border-color:var(--clr-acc); }

.proc-grid { display:grid; grid-template-columns:1fr 1fr; gap:26px; }
.proc-card { background:var(--clr-panel); border:1px solid var(--clr-edge); border-radius:var(--round); padding:26px 28px; }
.proc-card h3 { margin-bottom:.8em; }
.proc-card ul { margin:0; padding-left:0; list-style:none; }
.proc-card li { margin-bottom:.6em; display:flex; gap:10px; align-items:flex-start; }
.proc-yes .icon { color:var(--clr-acc-deep); flex-shrink:0; margin-top:3px; }
.proc-no .icon { color:var(--clr-ink-soft); flex-shrink:0; margin-top:3px; }
.proc-card p { color:var(--clr-ink-soft); margin:0 0 1em; }
.proc-steps { grid-template-columns:1fr; }
.proc-steps .proc-card { border-left:3px solid var(--clr-acc); }

.qa { display:flex; flex-direction:column; gap:12px; max-width:820px; }
.qa-item { background:var(--clr-page); border:1px solid var(--clr-edge); border-radius:var(--round); box-shadow:var(--lift); overflow:hidden; }
.qa-q { width:100%; text-align:left; background:none; border:0; font:inherit; font-family:var(--face-head); font-weight:700; font-size:1.05rem; color:var(--clr-ink); padding:20px 22px; cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:12px; }
.qa-q .icon { flex-shrink:0; transition:transform .25s ease; color:var(--clr-acc-deep); }
.qa-a p { margin:0; padding:0 22px 20px; color:var(--clr-ink-soft); }
.qa-a { display:none; }
.qa-item.is-open .qa-a { display:block; }
.qa-item.is-open .qa-q .icon { transform:rotate(180deg); }

.tile-grid-grid { display:grid; grid-template-columns:repeat(2, 1fr); gap:18px; }
.tile-grid-card { background:var(--clr-page); border:1px solid var(--clr-edge); border-radius:var(--round); box-shadow:var(--lift); padding:26px; text-decoration:none; color:var(--clr-ink); display:block; transition:transform .12s ease, border-color .15s ease; }
.tile-grid-card:hover { transform:translateY(-2px); border-color:var(--clr-acc); }
.tile-grid-card p { color:var(--clr-ink-soft); }
.tile-grid-more { color:var(--clr-acc-deep); font-weight:600; font-size:.9rem; }

.cta-sec { text-align:center; background:var(--clr-panel); }
.cta-sec .panel-intro { margin-left:auto; margin-right:auto; }

.risk-band { background:var(--clr-panel); border-top:1px solid var(--clr-edge); padding:20px 0; }
.risk-band p { margin:0; font-size:.88rem; color:var(--clr-ink-soft); text-align:center; display:flex; align-items:center; justify-content:center; gap:8px; }
.risk-band .icon { color:var(--clr-acc-deep); flex-shrink:0; }

.pagefoot { background:var(--clr-panel); border-top:1px solid var(--clr-edge); padding:40px 0 28px; }
.pagefoot-grid { display:flex; align-items:center; justify-content:space-between; gap:18px; flex-wrap:wrap; padding-bottom:20px; border-bottom:1px solid var(--clr-edge); }
.pagefoot-logo { font-family:var(--face-head); font-size:1.3rem; font-weight:800; color:var(--clr-ink); text-decoration:none; }
.pagefoot-logo span { color:var(--clr-acc-deep); }
.pagefoot-nav { display:flex; gap:20px; flex-wrap:wrap; }
.pagefoot-nav a { color:var(--clr-ink); text-decoration:none; font-size:.92rem; }
.pagefoot-nav a:hover { color:var(--clr-acc-deep); }
.pagefoot-copy { margin:0; color:var(--clr-ink-soft); font-size:.88rem; }
.pagefoot-bottom { padding-top:18px; }
.pagefoot-disclosure { font-size:.82rem; color:var(--clr-ink-soft); margin:0 0 10px; }
.pagefoot-legal { display:flex; gap:16px; flex-wrap:wrap; margin-bottom:10px; }
.pagefoot-legal a { font-size:.82rem; color:var(--clr-ink-soft); text-decoration:none; }
.pagefoot-legal a:hover { color:var(--clr-acc-deep); }
.pagefoot-entity { font-size:.8rem; color:var(--clr-ink-soft); margin:0; }
.pagefoot-entity a { color:var(--clr-acc-deep); }
.pagefoot-four-col .pagefoot-grid { display:grid; grid-template-columns:2fr 1fr; align-items:start; }
.pagefoot-four-col .pagefoot-nav { display:grid; grid-template-columns:repeat(2,auto); gap:8px 24px; }

.consent { position:fixed; left:0; right:0; bottom:0; background:var(--clr-page); border-top:1px solid var(--clr-edge); box-shadow:0 -6px 28px rgba(0,0,0,.08); padding:18px 0; z-index:50; }
.consent-text { margin:0 0 12px; font-size:.9rem; color:var(--clr-ink-soft); }
.consent-prefs { display:flex; flex-direction:column; gap:6px; margin-bottom:12px; }
.consent-row { font-size:.9rem; display:flex; gap:8px; align-items:center; }
.consent-btns { display:flex; gap:10px; flex-wrap:wrap; }
.consent-reopen { position:fixed; left:16px; bottom:16px; width:42px; height:42px; border-radius:50%; border:1px solid var(--clr-edge); background:var(--clr-page); color:var(--clr-ink); cursor:pointer; display:flex; align-items:center; justify-content:center; z-index:40; box-shadow:var(--lift); }

.newsletter { background:var(--clr-panel); border:1px solid var(--clr-edge); border-radius:var(--round); padding:30px 32px; max-width:720px; }
.newsletter h3 { margin-bottom:.4em; }
.newsletter p { color:var(--clr-ink-soft); margin-bottom:1.2em; }
.newsletter-form { display:flex; gap:12px; flex-wrap:wrap; }
.newsletter-form input { flex:1; min-width:220px; padding:.7em 1em; border:1px solid var(--clr-edge); border-radius:var(--round); font:inherit; background:var(--clr-page); color:var(--clr-ink); }

.bp { text-align:center; margin:1.6em 0; }
.bp-logo { margin:0 auto 10px; border-radius:50%; }
.bp-cap { font-size:.9rem; color:var(--clr-ink-soft); }

.panel-alt { background:var(--clr-page); }
.panel + .panel { border-top:1px solid var(--clr-edge); }

@media (max-width:768px){
 .pagefoot-grid { flex-direction:column; align-items:flex-start; }
 .ranking-row { grid-template-columns:auto 1fr; }
}
@media (max-width:480px){
 body { font-size:16px; }
 .container { padding:0 18px; }
}