:root {
  --brand-acc: #f77d0d;
  --brand-acc-deep: #c44a04;
  --brand-page: #fffaf4;
  --brand-panel: #fdecd7;
  --brand-edge: #f2d2ac;
  --brand-ink: #1c1108;
  --brand-ink-soft: rgba(33,18,6,.6);
  --gap: 84px;
  --round: 14px;
  --elevation: 0 8px 30px rgba(196,106,4,.12);
  --fontface-head: 'Manrope', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --fontface-body: 'Manrope', 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(--fontface-body); background: var(--brand-page); color: var(--brand-ink); line-height: 1.65; font-size: 17px; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand-acc-deep); }
h1,h2,h3,h4 { font-family: var(--fontface-head); line-height: 1.18; color: var(--brand-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(--brand-acc); color:#1c1108; }
.cta-acc:hover { background:var(--brand-acc-deep); color:#1c1108; }
.cta-out { border-color:var(--brand-acc); color:var(--brand-acc-deep); background:transparent; }
.cta-out:hover { background:var(--brand-acc); color:#1c1108; }
.cta-ghost { background:transparent; color:var(--brand-ink); border-color:var(--brand-edge); }
.icon { display:inline-flex; vertical-align:middle; }
.icon svg { display:block; }
.wrap { max-width:1360px; margin:0 auto; padding:0 24px; }
.wrap-narrow { max-width:760px; }
.band { padding:var(--gap) 0; background:var(--brand-page); }
.band-bare { background:var(--brand-page); }
.band-alt { background:var(--brand-panel); }
.band-dark { background:#1c1108; color:#fff; }
.band-intro { color:var(--brand-ink-soft); max-width:660px; margin-bottom:2em; }

.topbar { background:var(--brand-page); border-bottom:1px solid var(--brand-edge); padding:18px 0; }
.topbar-top { display:flex; align-items:center; justify-content:center; position:relative; }
.topbar-logo { font-family:var(--fontface-head); font-size:1.5rem; font-weight:800; color:var(--brand-ink); text-decoration:none; letter-spacing:-.01em; }
.topbar-logo span { color:var(--brand-acc-deep); }
.topbar-nav { display:flex; justify-content:center; gap:30px; margin-top:14px; }
.topbar-link { color:var(--brand-ink); text-decoration:none; font-weight:500; font-size:.96rem; }
.topbar-link:hover { color:var(--brand-acc-deep); }
.topbar-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; }
.topbar-toggle span { display:block; width:22px; height:2px; background:var(--brand-ink); }
.topbar-standard .topbar-top { justify-content:space-between; }
.topbar-standard .topbar-nav { justify-content:flex-start; margin-top:10px; }

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

.hero { background:var(--brand-panel); border-bottom:1px solid var(--brand-edge); }
.hero-narrow { max-width:820px; }
.hero h1 { margin-bottom:.35em; }
.hero-quote { font-family:var(--fontface-head); font-style:italic; font-size:clamp(1.2rem,2.2vw,1.6rem); line-height:1.4; color:var(--brand-ink); border-left:3px solid var(--brand-acc); padding-left:22px; margin:1.2em 0 1.6em; }
.hero-quote cite { display:block; font-style:normal; font-size:.92rem; font-family:var(--fontface-body); color:var(--brand-ink-soft); margin-top:12px; }
.hero-sub { font-size:1.12rem; color:var(--brand-ink-soft); margin:0 0 1.6em; }
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; }
.hero-value-list .hero-sub { border-left:3px solid var(--brand-acc); padding-left:16px; }
.hero-value-list .hero-actions { flex-direction:column; align-items:flex-start; }

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

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

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

.proc-grid { display:grid; grid-template-columns:1fr 1fr; gap:26px; }
.proc-card { background:var(--brand-panel); border:1px solid var(--brand-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(--brand-acc-deep); flex-shrink:0; margin-top:3px; }
.proc-no .icon { color:var(--brand-ink-soft); flex-shrink:0; margin-top:3px; }
.proc-card p { color:var(--brand-ink-soft); margin:0 0 1em; }

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

.qa { display:flex; flex-direction:column; gap:12px; max-width:820px; }
.qa-item { background:var(--brand-page); border:1px solid var(--brand-edge); border-radius:var(--round); box-shadow:var(--elevation); overflow:hidden; }
.qa-q { width:100%; text-align:left; background:none; border:0; font:inherit; font-family:var(--fontface-head); font-weight:700; font-size:1.05rem; color:var(--brand-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(--brand-acc-deep); }
.qa-a p { margin:0; padding:0 22px 20px; color:var(--brand-ink-soft); }
.qa-a { display:none; }
.qa-item.is-open .qa-a { display:block; }
.qa-item.is-open .qa-q .icon { transform:rotate(180deg); }

.closer { text-align:center; background:var(--brand-panel); }
.closer .band-intro { margin-left:auto; margin-right:auto; }

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

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

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

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

.band-alt { border-top:2px solid var(--brand-acc); }

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