:root {
  --ink: #112437;
  --ink-soft: #425769;
  --paper: #f6f7f4;
  --card: #ffffff;
  --line: #d9dee4;
  --brand-900: #1f3f5b;
  --brand-700: #2f5f8c;
  --brand-500: #4b84bf;
  --accent: #d5a35b;
  --accent-soft: #faebd6;
  --success: #1e7a4f;
  --danger: #a62a2a;

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;

  --shadow-sm: none;
  --shadow-md: none;

  --font-sans: "Manrope", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-display: "Space Grotesk", "Trebuchet MS", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  line-height: 1.7;
  background: var(--paper);
}

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

a {
  color: var(--brand-700);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

h1,
h2,
h3,
h4,
h5 {
  margin-top: 0;
  font-family: var(--font-display);
  line-height: 1.2;
  color: #0e2d45;
}

h1 {
  font-size: clamp(2rem, 4vw, 3.1rem);
}

h2 {
  font-size: clamp(1.35rem, 2.4vw, 1.9rem);
  margin-bottom: 0.8rem;
  margin-top: 2.2rem;
}

h3 {
  font-size: 1.12rem;
  margin-bottom: 0.55rem;
  margin-top: 1.5rem;
}

p {
  margin-top: 0;
  margin-bottom: 1rem;
}

.container {
  width: min(860px, 100% - 2rem);
  margin: 0 auto;
}

.container--wide {
  width: min(1160px, 100% - 2rem);
  margin: 0 auto;
}

.disclosure-bar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--brand-900);
  color: #d7e9fb;
  text-align: center;
  padding: 0.55rem 0.8rem;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.disclosure-bar strong {
  color: #ffe9c9;
}

.site-header {
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(8px);
}

.site-header-inner {
  min-height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  font-family: var(--font-display);
  font-size: 1.22rem;
  font-weight: 700;
  color: #102f47;
}

.brand:hover {
  text-decoration: none;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.3rem;
}

.site-nav a {
  padding: 0.45rem 0.75rem;
  border-radius: 999px;
  color: #1a3f5f;
  font-weight: 700;
  font-size: 0.87rem;
}

.site-nav a:hover {
  background: #edf5ff;
  text-decoration: none;
}

.hero {
  background: var(--brand-900);
  color: #e6f2ff;
  overflow: hidden;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.2rem;
  align-items: stretch;
  min-height: 470px;
}

.hero-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 2.8rem 0;
}

.hero .label {
  display: inline-block;
  margin-bottom: 0.95rem;
  padding: 0.34rem 0.8rem;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  border-radius: 999px;
  color: #fff4e0;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.28);
}

.hero h1 {
  color: #f4faff;
  margin-bottom: 1rem;
  max-width: 18ch;
}

.hero .deck {
  color: #dceeff;
  max-width: 56ch;
  font-size: 1.02rem;
}

.byline {
  margin-top: 0.7rem;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.65rem;
  font-size: 0.82rem;
  color: #cbe4fa;
}

.byline-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  background: var(--accent-soft);
  color: #153651;
}

.byline-author {
  color: #ffffff;
  font-weight: 800;
}

.hero-img-panel {
  margin: 1.2rem 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.hero-img-panel img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-img-caption {
  margin-top: 0;
  padding-bottom: 1.2rem;
  font-size: 0.78rem;
  color: #d8ecff;
  font-style: italic;
}

.article-body {
  padding: 2.6rem 0 2.2rem;
}

.toc,
.key-box,
.inline-img,
.table-wrap,
.faq-item,
.lead-form-wrap,
.page-body .contact-card,
.page-body .contact-form {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--card);
  box-shadow: var(--shadow-sm);
}

.toc {
  padding: 1.2rem;
  margin-bottom: 1.8rem;
  background: var(--brand-900);
  border-color: rgba(255, 255, 255, 0.25);
}

.toc-title {
  color: #d7ebff;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.7rem;
  margin-bottom: 0.9rem;
}

.toc ol {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.55rem;
  list-style: none;
  margin: 0;
  padding: 0;
  counter-reset: toc;
}

.toc li {
  counter-increment: toc;
}

.toc a {
  min-height: 42px;
  border-radius: 11px;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.45rem 0.55rem;
  color: #eff7ff;
  background: rgba(255, 255, 255, 0.1);
  font-size: 0.84rem;
  font-weight: 700;
  line-height: 1.35;
}

.toc a::before {
  content: counter(toc, decimal-leading-zero);
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: #173650;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.68rem;
  font-weight: 800;
  flex-shrink: 0;
}

.toc a:hover {
  text-decoration: none;
  background: rgba(255, 255, 255, 0.18);
}

.key-box {
  margin: 1.8rem 0;
  padding: 1.3rem 1.35rem;
  border-left: 5px solid var(--accent);
  background: var(--card);
}

.key-box-title {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.72rem;
  font-weight: 800;
  color: #865824;
  margin-bottom: 0.7rem;
}

.key-box ul {
  margin: 0;
  padding-left: 1.1rem;
}

.inline-img {
  margin: 1.6rem 0;
  overflow: hidden;
}

.bullet-list {
  padding-left: 1.2rem;
}

.table-wrap {
  margin: 1.5rem 0;
  overflow-x: auto;
}

table {
  border-collapse: collapse;
  width: 100%;
  font-size: 0.9rem;
}

thead tr {
  background: var(--brand-900);
  color: #f4faff;
}

thead th {
  text-align: left;
  padding: 0.8rem;
  font-size: 0.73rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

tbody tr {
  border-bottom: 1px solid #e3e8ee;
}

tbody tr:nth-child(2n) {
  background: #fbfcff;
}

td {
  padding: 0.72rem 0.8rem;
  vertical-align: top;
}

.pro {
  color: var(--success);
  font-weight: 800;
}

.con {
  color: var(--danger);
  font-weight: 800;
}

.pullquote {
  margin: 2rem 0;
  border-radius: var(--radius-md);
  padding: 1.4rem;
  background: var(--brand-900);
  color: #f3f9ff;
  box-shadow: var(--shadow-md);
}

.pullquote::before {
  content: '"';
  display: block;
  font-size: 2.8rem;
  line-height: 0.8;
  color: #ffdfb2;
}

.pullquote cite {
  margin-top: 0.7rem;
  display: block;
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #d8ebff;
}

.faq-list {
  margin-top: 1rem;
  margin-bottom: 1.8rem;
  display: grid;
  gap: 0.55rem;
}

.faq-container {
  margin-top: 1.2rem;
  margin-bottom: 1.8rem;
}

.faq-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.4rem;
  border-bottom: 2px solid var(--line);
  padding-bottom: 0;
}

.faq-tab {
  background: transparent;
  border: none;
  padding: 0.8rem 1.2rem;
  font-size: 0.92rem;
  font-weight: 700;
  color: #6b8295;
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: all 0.2s ease;
  font-family: var(--font-sans);
}

.faq-tab:hover {
  color: #2f5f8c;
}

.faq-tab.active {
  color: #2f5f8c;
  border-bottom-color: #2f5f8c;
}

.faq-content {
  margin-top: 1.2rem;
}

.faq-panel {
  display: none;
  animation: fadeIn 0.3s ease;
}

.faq-panel.active {
  display: block;
}

.faq-panel h3 {
  margin-top: 0;
  margin-bottom: 0.8rem;
  color: #0e2d45;
}

.faq-panel p {
  color: var(--ink-soft);
  line-height: 1.8;
}

@keyframes fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

.verdict-box {
  border-radius: var(--radius-md);
  border: 1px solid #ced8e5;
  box-shadow: var(--shadow-sm);
  padding: 1.35rem;
  background: var(--card);
  margin-top: 1.7rem;
}

.verdict-label {
  font-size: 0.74rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #244f75;
  margin-bottom: 0.5rem;
}

.lead-form-wrap {
  margin-top: 1rem;
  padding: 1.8rem;
  background: var(--brand-900);
  color: #dbeeff;
}

.lead-form-wrap h3 {
  color: #f8fcff;
  margin-bottom: 0.4rem;
}

.form-row {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
}

.form-group {
  flex: 1 1 20px;
  margin-bottom: 0.9rem;
}

.form-group label {
  display: block;
  margin-bottom: 0.32rem;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  /* color: #d2e6fb; */
  font-weight: 700;
}

.form-group input,
.page-body .contact-form input,
.page-body .contact-form select,
.page-body .contact-form textarea {
  width: 100%;
  border: 1px solid #b8cae0;
  border-radius: 10px;
  background: #ffffff;
  color: #18334c;
  padding: 0.68rem 0.78rem;
  font-family: var(--font-sans);
  font-size: 0.9rem;
}

.form-group input::placeholder,
.page-body .contact-form textarea::placeholder {
  color: #6e8297;
}

.form-group input:focus,
.page-body .contact-form input:focus,
.page-body .contact-form select:focus,
.page-body .contact-form textarea:focus {
  outline: none;
  border-color: #5e8ebb;
  box-shadow: none;
}

.checkbox-row,
.page-body .consent-row {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  margin-bottom: 1rem;
  font-size: 0.81rem;
  /* color: #18354f; */
}

.checkbox-row input,
.page-body .consent-row input {
  margin-top: 3px;
  accent-color: #285e91;
  flex-shrink: 0;
}

.checkbox-row a,
.page-body .consent-row a {
  color: #e5c184;
}

.btn-submit,
.page-body .btn-primary {
  border: none;
  border-radius: 11px;
  cursor: pointer;
  font-family: var(--font-sans);
  font-weight: 800;
  font-size: 0.92rem;
  padding: 0.82rem 1.2rem;
  transition:
    transform 0.16s,
    filter 0.16s;
}

.btn-submit {
  width: 100%;
  background: var(--accent-soft);
  color: #2a4763;
}

.page-body .btn-primary {
  background: var(--brand-900);
  color: #f6fbff;
}

.btn-submit:hover,
.page-body .btn-primary:hover {
  transform: translateY(-1px);
  filter: brightness(1.03);
}

.form-privacy {
  margin-top: 0.65rem;
  text-align: center;
  font-size: 0.75rem;
  color: #d2e6fb;
}

.page-header {
  padding: 2.4rem 0 2rem;
  background: var(--brand-900);
  color: #d5e7fb;
}

.page-header .breadcrumb {
  margin-bottom: 0.7rem;
  font-size: 0.78rem;
}

.page-header .breadcrumb a {
  color: #f2f8ff;
}

.page-header h1 {
  color: #f7fbff;
  margin-bottom: 0.35rem;
}

.page-header .page-meta {
  margin: 0;
  color: #d2e6fb;
  font-size: 0.84rem;
}

.page-body {
  padding: 2.3rem 0 3rem;
}

.page-body p,
.page-body li {
  color: #2f4659;
}

.page-body ul,
.page-body ol {
  padding-left: 1.15rem;
}

.page-body .contact-grid {
  margin: 1.7rem 0;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.page-body .contact-card {
  padding: 1.2rem;
  background: var(--card);
}

.page-body .contact-card h3 {
  margin-bottom: 0.4rem;
}

.page-body .contact-card p {
  margin-bottom: 0;
}

.page-body .contact-form {
  padding: 1.4rem;
  background: var(--card);
}

.page-body .contact-form h2 {
  margin-top: 0;
}

.page-body .contact-form textarea {
  resize: vertical;
  min-height: 145px;
}

.disclaimer-bar {
  background: #18354f;
  color: #c3dbf3;
  font-size: 0.79rem;
  text-align: center;
  padding: 0.95rem 0;
}

footer {
  background: var(--brand-900);
  color: #c6ddf2;
  padding: 2.3rem 0 1.2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.2rem;
  margin-bottom: 1.3rem;
  text-align: center;
}

.footer-brand {
  font-size: 1.15rem;
  color: #f3f9ff;
  font-family: var(--font-display);
}

.footer-grid p {
  margin: 0.5rem 0 0;
  color: #b7d0e9;
  font-size: 0.84rem;
}

.footer-block {
  margin-top: 0.85rem;
}

footer h5 {
  margin: 0 0 0.45rem;
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #8db2d7;
}

.footer-address {
  font-style: normal;
  color: #b7d0e9;
  font-size: 0.82rem;
  line-height: 1.75;
}

.footer-block a {
  display: block;
  color: #d4e7fa;
  margin-bottom: 0.25rem;
}

.footer-nav {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.55rem 1.1rem;
}

.footer-nav a {
  color: #d8e8f8;
  font-size: 0.83rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 0.9rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.45rem;
  font-size: 0.76rem;
  color: #98badb;
}

#scroll-top {
  position: fixed;
  right: 1.1rem;
  bottom: 1.1rem;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 0;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  cursor: pointer;
  color: #17344f;
  background: var(--accent-soft);
  box-shadow: var(--shadow-md);
}

#scroll-top.visible {
  display: flex;
}

#scroll-top:hover {
  transform: translateY(-2px);
}

@media (max-width: 980px) {
  .hero-inner {
    grid-template-columns: 1fr;
    min-height: auto;
  }

  .hero-content {
    padding: 2.1rem 0 1rem;
  }

  .hero-img-panel {
    min-height: 280px;
    margin-top: 0;
  }
}

@media (max-width: 860px) {
  .toc ol,
  .page-body .contact-grid {
    grid-template-columns: 1fr;
  }

  .form-row {
    flex-direction: column;
    gap: 0;
  }
}

@media (max-width: 700px) {
  .site-header-inner {
    flex-direction: column;
    justify-content: center;
    padding: 0.8rem 0;
  }

  .site-nav {
    justify-content: center;
  }

  h1 {
    font-size: 1.95rem;
  }

  h2 {
    font-size: 1.3rem;
  }

  .lead-form-wrap {
    padding: 1.2rem;
  }
}