:root{
  --ink:#14213d;--ink-2:#2b3a5c;--text:#2a2f3a;--muted:#5d6475;--line:#e6e1d6;
  --bg:#fbf9f4;--card:#ffffff;--band:#f3efe5;--gold:#b8872b;--gold-2:#d4a53c;--gold-soft:#fbf1dc;
  --good:#1f7a4d;--bad:#a3412f;--radius:14px;--shadow:0 1px 2px rgba(20,33,61,.05),0 8px 24px rgba(20,33,61,.06);
  --serif:"Fraunces",Georgia,serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--text);font:17px/1.65 var(--sans)}
img{max-width:100%;height:auto;display:block}
a{color:var(--ink-2);text-underline-offset:3px}
a:hover{color:var(--gold)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.2;font-weight:600;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);margin:.2em 0 .35em}
h2{font-size:clamp(1.5rem,3vw,2.05rem);margin:2.2em 0 .6em}
h3{font-size:1.2rem;margin:1.2em 0 .4em}
h4{font-family:var(--sans);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:1.6em 0 .6em;font-weight:600}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* header */
.disclose-bar{background:var(--ink);color:#c9cfdc;font-size:.8rem;text-align:center;padding:7px 16px}
.disclose-bar a{color:var(--gold-2)}
.site-header{background:rgba(251,249,244,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hdr{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--serif);font-size:1.2rem;font-weight:500}
.brand b{font-weight:600;color:var(--gold)}
#nav{display:flex;gap:26px}
#nav a{text-decoration:none;color:var(--ink-2);font-size:.95rem;font-weight:500}
#nav a[aria-current]{color:var(--gold)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:6px 12px;font:500 .9rem var(--sans);color:var(--ink)}
@media(max-width:860px){
  .menu-btn{display:block}
  #nav{display:none;position:absolute;top:66px;left:0;right:0;background:var(--bg);flex-direction:column;gap:0;border-bottom:1px solid var(--line);padding:6px 20px 14px}
  #nav.open{display:flex}
  #nav a{padding:10px 0;border-bottom:1px solid var(--line)}
}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;background:var(--gold-2);color:var(--ink);font-weight:600;text-decoration:none;padding:13px 22px;border-radius:10px;border:0;transition:transform .15s,background .15s;font-size:.98rem;white-space:nowrap}
.btn:hover{background:#e0b44c;color:var(--ink);transform:translateY(-1px)}
.btn.sm{padding:8px 14px;font-size:.88rem}
.btn.ghost{background:transparent;border:1.5px solid var(--ink);color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:#fff}
.btn.ghost.light{border-color:rgba(255,255,255,.5);color:#fff}
.btn.ghost.light:hover{background:#fff;color:var(--ink)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}

/* hero */
.hero{background:radial-gradient(1200px 400px at 85% -10%,rgba(212,165,60,.28),transparent 60%),linear-gradient(160deg,#14213d 0%,#1d2d52 100%);color:#e7eaf2;padding:72px 0 64px}
.hero.sm{padding:48px 0 44px}
.hero h1{color:#fff;max-width:18ch}
.hero.sm h1{max-width:none}
.hero-in{max-width:1120px}
.lede{font-size:1.15rem;max-width:62ch;color:#cfd5e3}
.eyebrow{font-size:.78rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-2);margin:0}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 8px}
.trust{list-style:none;padding:0;margin:28px 0 0;display:flex;flex-wrap:wrap;gap:10px 28px;font-size:.92rem;color:#aeb6c8}
.trust li::before{content:"✓";color:var(--gold-2);margin-right:8px;font-weight:700}
.byline{font-size:.9rem;color:#aeb6c8;margin:18px 0 0}
.bc{font-size:.85rem;color:#aeb6c8;margin-bottom:14px}.bc a{color:#cfd5e3}.bc span{margin:0 6px;opacity:.6}

/* sections */
.sub{color:var(--muted);margin-top:-.4em}
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.cols3 h3{margin-top:0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card p{margin:.3em 0 0;color:var(--muted)}
.note{background:var(--gold-soft);border-left:4px solid var(--gold-2);padding:14px 18px;border-radius:8px;margin-top:24px;font-size:.96rem}
.band{background:var(--band);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:8px 0 48px;margin:56px 0}
.band h2{margin-top:1.6em}
.fine{font-size:.82rem;color:var(--muted)}
@media(max-width:820px){.cols3{grid-template-columns:1fr}}

/* comparison table */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:middle}
thead th{font-size:.75rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);background:#faf8f3;font-weight:600}
tbody tr:last-child td,tbody tr:last-child th{border-bottom:0}
.cmp td:first-child a{color:var(--ink);text-decoration:none}
.cmp td:first-child{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.tag{font-size:.72rem;background:var(--gold-soft);color:#7a5714;padding:3px 9px;border-radius:99px;font-weight:600}
.rank{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;background:var(--ink);color:var(--gold-2);font:600 .85rem var(--sans);flex:none}
.rank.lg{width:46px;height:46px;font-size:1.2rem;font-family:var(--serif)}
table.plain th{font-weight:600;color:var(--ink)}
table.plain td:last-child,table.plain th:last-child{text-align:right}
@media(max-width:720px){
  .cmp thead{display:none}
  .cmp tr{display:grid;grid-template-columns:1fr 1fr;padding:14px;border-bottom:1px solid var(--line);gap:8px}
  .cmp td{border:0;padding:0;font-size:.9rem}
  .cmp td:first-child{grid-column:1/-1}
  .cmp td[data-l]::before{content:attr(data-l);display:block;font-size:.7rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
  .cmp td:last-child{grid-column:1/-1}
  .cmp td:last-child .btn{width:100%}
}

/* steps */
.steps{list-style:none;counter-reset:s;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--gold-2);color:var(--ink);font-weight:700}
.steps h3{margin:.7em 0 .3em;font-size:1.08rem}
.steps p{margin:0;color:var(--muted);font-size:.95rem}
.steps.inline{grid-template-columns:1fr 1fr}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.steps,.steps.inline{grid-template-columns:1fr}}

/* company cards */
.co{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px;margin:28px 0;box-shadow:var(--shadow);scroll-margin-top:90px}
.co-hd{display:flex;gap:18px;align-items:flex-start}
.co-hd h3{font-size:1.8rem;margin:.1em 0 .2em}
.tagline{margin:0;color:var(--muted)}
.co-grid{display:grid;grid-template-columns:1.35fr 1fr;gap:28px;margin-top:24px;align-items:start}
.shot{margin:0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#f6f4ef}
.prose .shot{margin:24px 0}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:0;margin:0;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.facts div{padding:10px 14px;border-bottom:1px solid var(--line)}
.facts div:nth-child(odd){border-right:1px solid var(--line)}
.facts div:first-child{grid-column:1/-1;border-right:0}
.facts div:nth-child(2){border-right:1px solid var(--line)}
.facts div:nth-child(3){border-right:0}
.facts div:nth-last-child(-n+2){border-bottom:0}
.facts dt{font-size:.72rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}
.facts dd{margin:2px 0 0;font-weight:600;color:var(--ink)}
.fees h4{margin-top:18px}
.fees ul{list-style:none;padding:0;margin:0}
.fees li{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.fees li b{color:var(--ink)}
.stand{list-style:none;padding:0}
.stand li{padding:10px 0 10px 30px;position:relative;border-bottom:1px solid var(--line)}
.stand li::before{content:"";position:absolute;left:4px;top:19px;width:10px;height:10px;border-radius:2px;background:var(--gold-2);transform:rotate(45deg)}
.stand b{color:var(--ink)}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:26px 0}
.pc>div{border-radius:12px;padding:18px 20px}
.pros{background:#eef6f0}.cons{background:#fbefec}
.pc h4{margin:0 0 8px}
.pros h4{color:var(--good)}.cons h4{color:var(--bad)}
.pc ul{margin:0;padding-left:0;list-style:none}
.pc li{padding:5px 0 5px 26px;position:relative;font-size:.96rem}
.pros li::before{content:"✓";position:absolute;left:0;color:var(--good);font-weight:700}
.cons li::before{content:"–";position:absolute;left:2px;color:var(--bad);font-weight:700}
.prose.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.prose.two h4{margin-top:0}
.bestfor{background:var(--gold-soft);padding:12px 16px;border-radius:10px;margin:18px 0 0;font-size:.96rem}
@media(max-width:820px){.co{padding:22px}.co-grid,.pc,.prose.two{grid-template-columns:1fr}.co-hd h3{font-size:1.45rem}}

/* checklist + faq */
.checklist{padding-left:1.2em}
.checklist li{margin:.6em 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;padding:0 20px}
.faq summary{cursor:pointer;list-style:none;font-weight:600;color:var(--ink);padding:18px 30px 18px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:1.4rem;color:var(--gold);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 18px;color:var(--muted)}
.about-teaser{margin-bottom:64px}

/* review layout */
.review{display:grid;grid-template-columns:300px 1fr;gap:48px;align-items:start;padding-top:40px;padding-bottom:64px}
.summary{position:sticky;top:90px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:var(--shadow)}
.summary h2{margin:0 0 14px;font-size:1.2rem}
.summary .btn{width:100%;margin-top:16px}
.review .prose>h2:first-of-type{margin-top:1.4em}
.prose ul{padding-left:1.2em}
.prose li{margin:.3em 0}
.cta-box{background:var(--ink);color:#dfe4ee;border-radius:16px;padding:24px 26px;margin:36px 0;display:flex;align-items:center;gap:20px;flex-wrap:wrap;justify-content:space-between}
.cta-box p{margin:0;flex:1 1 320px}.cta-box b{color:#fff}
.still{color:var(--muted)}
@media(max-width:900px){.review{grid-template-columns:1fr;gap:28px}.summary{position:static}}

.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;margin:24px 0}
.contact-grid h3{margin-top:0}
@media(max-width:620px){.contact-grid{grid-template-columns:1fr}}

/* footer */
.site-footer{background:var(--ink);color:#aeb6c8;padding:48px 0 24px;font-size:.92rem}
.foot{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:32px}
.foot .brand{color:#fff}
.foot h4{color:#fff;margin-top:0}
.foot a{display:block;color:#cfd5e3;text-decoration:none;margin:6px 0}
.foot a:hover{color:var(--gold-2)}
.foot .brand{display:flex}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:32px;padding-top:20px;font-size:.8rem;line-height:1.6}
.legal b{color:#fff}
@media(max-width:720px){.foot{grid-template-columns:1fr}}