:root {
  --navy-950: #0b1220;
  --navy-900: #101828;
  --navy-800: #1d2939;
  --navy-700: #344054;
  --navy-600: #475467;
  --navy-500: #667085;
  --navy-300: #d0d5dd;
  --navy-200: #eaecf0;
  --navy-100: #f2f4f7;
  --navy-50: #f9fafb;
  --blue-700: #175cd3;
  --blue-600: #1570ef;
  --blue-100: #d1e9ff;
  --blue-50: #eff8ff;
  --teal-700: #0e9384;
  --teal-600: #0e9384;
  --teal-100: #d1fadf;
  --teal-50: #ecfdf3;
  --orange-600: #e04f16;
  --orange-50: #fff6ed;
  --white: #fff;
  --shadow-sm: 0 1px 2px rgba(16, 24, 40, .06);
  --shadow-md: 0 14px 36px rgba(16, 24, 40, .08);
  --shadow-lg: 0 28px 70px rgba(16, 24, 40, .13);
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
body {
  margin: 0;
  color: var(--navy-800);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
body.nav-open { overflow: hidden; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button, input, textarea, select { font: inherit; }
button { cursor: pointer; }
::selection { background: var(--blue-100); color: var(--navy-950); }

.skip-link {
  position: fixed;
  left: 16px;
  top: -100px;
  z-index: 1000;
  padding: 12px 16px;
  border-radius: 10px;
  color: var(--white);
  background: var(--navy-950);
  transition: top .2s ease;
}
.skip-link:focus { top: 16px; }

.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.section { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-tint { background: var(--navy-50); }
.section-blue { background: linear-gradient(180deg, var(--blue-50), #fff); }
.section-teal { background: linear-gradient(180deg, var(--teal-50), #fff); }
.section-dark { background: var(--navy-950); color: var(--white); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  color: var(--blue-700);
  font-size: .82rem;
  font-weight: 800;
  letter-spacing: .08em;
  line-height: 1.2;
  text-transform: uppercase;
}
.eyebrow::before { width: 18px; height: 2px; content: ""; background: currentColor; border-radius: 99px; }
.section-dark .eyebrow { color: #84caff; }

h1, h2, h3, h4 { margin: 0; color: var(--navy-900); line-height: 1.14; letter-spacing: -.025em; }
h1 { font-size: clamp(2.5rem, 6vw, 4.65rem); }
h2 { font-size: clamp(2rem, 4vw, 3.15rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.05rem; }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: var(--white); }
p { margin: 0; }
.lead { color: var(--navy-600); font-size: clamp(1.08rem, 1.8vw, 1.25rem); line-height: 1.75; }
.section-dark .lead { color: #d0d5dd; }
.muted { color: var(--navy-500); }
.small { font-size: .9rem; }
.text-center { text-align: center; }
.max-720 { max-width: 720px; }
.max-820 { max-width: 820px; }
.center { margin-inline: auto; }

.btn {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 20px;
  border: 1px solid transparent;
  border-radius: 12px;
  color: var(--white);
  background: var(--blue-700);
  box-shadow: var(--shadow-sm);
  font-weight: 750;
  line-height: 1.25;
  text-align: center;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, border-color .18s ease;
}
.btn:hover { transform: translateY(-2px); background: #154fb8; box-shadow: 0 10px 24px rgba(23, 92, 211, .2); }
.btn:focus-visible, .nav-link:focus-visible, summary:focus-visible, .mobile-toggle:focus-visible { outline: 3px solid #84caff; outline-offset: 3px; }
.btn-secondary { color: var(--navy-800); background: var(--white); border-color: var(--navy-300); }
.btn-secondary:hover { background: var(--navy-50); border-color: var(--navy-500); box-shadow: var(--shadow-md); }
.btn-teal { background: var(--teal-700); }
.btn-teal:hover { background: #08776d; box-shadow: 0 10px 24px rgba(14, 147, 132, .2); }
.btn-dark { background: var(--navy-900); }
.btn-dark:hover { background: #000; }
.btn-small { min-height: 42px; padding: 9px 15px; font-size: .92rem; }
.btn svg { width: 20px; height: 20px; flex: 0 0 auto; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

.top-note { background: var(--navy-950); color: #d0d5dd; font-size: .88rem; }
.top-note-inner { display: flex; min-height: 38px; align-items: center; justify-content: center; gap: 8px; text-align: center; }
.top-note strong { color: var(--white); }
.top-note svg { width: 17px; height: 17px; color: #75e0a7; flex: 0 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(234, 236, 240, .8);
  background: rgba(255, 255, 255, .9);
  backdrop-filter: blur(16px);
}
.nav { display: flex; min-height: 76px; align-items: center; justify-content: space-between; gap: 28px; }
.logo-link { display: inline-flex; flex: 0 0 auto; align-items: center; text-decoration: none; }
.logo-link img { width: 196px; height: auto; }
.nav-menu { display: flex; align-items: center; gap: 26px; }
.nav-list { display: flex; align-items: center; gap: 20px; margin: 0; padding: 0; list-style: none; }
.nav-link { color: var(--navy-600); font-size: .94rem; font-weight: 650; text-decoration: none; }
.nav-link:hover, .nav-link[aria-current="page"] { color: var(--blue-700); }
.mobile-toggle {
  display: none;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--navy-200);
  border-radius: 10px;
  color: var(--navy-800);
  background: var(--white);
}
.mobile-toggle svg { width: 24px; height: 24px; }

.hero { position: relative; overflow: hidden; padding: 82px 0 62px; }
.hero::before {
  position: absolute;
  width: 440px;
  height: 440px;
  top: -180px;
  left: -180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(209, 233, 255, .8), transparent 68%);
  content: "";
  pointer-events: none;
}
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.02fr) minmax(420px, .98fr); align-items: center; gap: 52px; }
.hero-copy { position: relative; z-index: 1; }
.hero h1 span { color: var(--blue-700); }
.hero .lead { max-width: 700px; margin-top: 24px; }
.hero .btn-row { margin-top: 30px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 18px; margin: 26px 0 0; padding: 0; list-style: none; }
.hero-trust li { display: flex; align-items: center; gap: 8px; color: var(--navy-600); font-size: .92rem; }
.hero-trust svg { width: 18px; height: 18px; color: var(--teal-700); }
.hero-visual { position: relative; }
.hero-visual::after { position: absolute; right: 8%; bottom: 7%; width: 110px; height: 110px; border: 2px dashed var(--blue-100); border-radius: 50%; content: ""; z-index: -1; }
.price-note { display: inline-flex; align-items: center; gap: 10px; margin-top: 22px; padding: 10px 13px; border: 1px solid var(--navy-200); border-radius: 12px; background: var(--white); box-shadow: var(--shadow-sm); color: var(--navy-600); font-size: .9rem; }
.price-note strong { color: var(--navy-900); }

.logo-strip { border-block: 1px solid var(--navy-200); background: var(--navy-50); }
.logo-strip-grid { display: grid; grid-template-columns: 1.3fr repeat(4, 1fr); align-items: stretch; }
.logo-strip-label, .trust-item { display: flex; min-height: 98px; flex-direction: column; justify-content: center; padding: 20px; }
.logo-strip-label { padding-left: 0; color: var(--navy-600); font-size: .93rem; font-weight: 700; }
.trust-item { border-left: 1px solid var(--navy-200); }
.trust-item strong { color: var(--navy-900); font-size: 1.05rem; }
.trust-item span { margin-top: 3px; color: var(--navy-500); font-size: .85rem; }

.section-heading { display: grid; grid-template-columns: .85fr 1.15fr; align-items: end; gap: 50px; margin-bottom: 42px; }
.section-heading .lead { max-width: 690px; justify-self: end; }
.section-heading.centered { display: block; text-align: center; }
.section-heading.centered .lead { margin: 18px auto 0; }

.card-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.card {
  position: relative;
  overflow: hidden;
  padding: 26px;
  border: 1px solid var(--navy-200);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.card:hover { transform: translateY(-5px); border-color: var(--blue-100); box-shadow: var(--shadow-md); }
.card p { margin-top: 12px; color: var(--navy-600); }
.card .link-arrow { display: inline-flex; align-items: center; gap: 7px; margin-top: 18px; color: var(--blue-700); font-weight: 750; text-decoration: none; }
.card .link-arrow:hover { text-decoration: underline; text-underline-offset: 4px; }
.card-icon { display: inline-flex; width: 48px; height: 48px; align-items: center; justify-content: center; margin-bottom: 22px; border-radius: 14px; color: var(--blue-700); background: var(--blue-50); }
.card:nth-child(2n) .card-icon { color: var(--teal-700); background: var(--teal-50); }
.card-icon svg { width: 24px; height: 24px; }
.card-tag { display: inline-flex; margin-bottom: 14px; padding: 5px 9px; border-radius: 99px; color: var(--blue-700); background: var(--blue-50); font-size: .76rem; font-weight: 800; letter-spacing: .03em; text-transform: uppercase; }

.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.compare-card { padding: 30px; border-radius: var(--radius-lg); }
.compare-card.good { border: 1px solid #a6f4c5; background: var(--teal-50); }
.compare-card.bad { border: 1px solid #fedf89; background: #fffaeb; }
.compare-card h3 { display: flex; align-items: center; gap: 12px; }
.compare-card h3 svg { width: 28px; height: 28px; }
.compare-card ul { display: grid; gap: 14px; margin: 22px 0 0; padding: 0; list-style: none; }
.compare-card li { position: relative; padding-left: 30px; color: var(--navy-700); }
.compare-card li::before { position: absolute; left: 0; top: .05em; font-size: 1rem; font-weight: 900; }
.compare-card.good li::before { color: var(--teal-700); content: "✓"; }
.compare-card.bad li::before { color: #b54708; content: "×"; }

.integrity-banner { display: grid; grid-template-columns: .9fr 1.1fr; gap: 44px; padding: 46px; border-radius: var(--radius-xl); color: var(--white); background: linear-gradient(135deg, #102a56 0%, #103f67 52%, #0b5e59 100%); box-shadow: var(--shadow-lg); }
.integrity-banner h2 { color: var(--white); }
.integrity-banner p { color: #d1e9ff; }
.integrity-points { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.integrity-point { padding: 18px; border: 1px solid rgba(255,255,255,.16); border-radius: 16px; background: rgba(255,255,255,.08); }
.integrity-point strong { display: block; color: var(--white); }
.integrity-point span { display: block; margin-top: 6px; color: #d0d5dd; font-size: .9rem; }

.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; counter-reset: step; }
.step { position: relative; padding: 28px 24px; border: 1px solid var(--navy-200); border-radius: var(--radius-lg); background: var(--white); }
.step::before { display: inline-flex; width: 38px; height: 38px; align-items: center; justify-content: center; margin-bottom: 20px; border-radius: 12px; color: var(--white); background: var(--blue-700); content: counter(step); counter-increment: step; font-weight: 800; }
.step:nth-child(2n)::before { background: var(--teal-700); }
.step p { margin-top: 10px; color: var(--navy-600); }

.feature-grid { display: grid; grid-template-columns: .9fr 1.1fr; align-items: center; gap: 64px; }
.feature-panel { position: relative; min-height: 480px; padding: 42px; border-radius: var(--radius-xl); background: linear-gradient(160deg, var(--blue-50), var(--teal-50)); }
.feature-panel-inner { position: absolute; inset: 42px; padding: 30px; border: 1px solid rgba(255,255,255,.85); border-radius: 24px; background: rgba(255,255,255,.85); box-shadow: var(--shadow-lg); backdrop-filter: blur(12px); }
.feature-panel h3 { font-size: 1.8rem; }
.progress-list { display: grid; gap: 14px; margin-top: 26px; }
.progress-item { padding: 16px; border: 1px solid var(--navy-200); border-radius: 14px; background: var(--white); }
.progress-item-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; font-size: .88rem; font-weight: 750; }
.progress-track { height: 7px; margin-top: 10px; overflow: hidden; border-radius: 99px; background: var(--navy-100); }
.progress-bar { height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--blue-700), var(--teal-700)); }
.feature-list { display: grid; gap: 24px; }
.feature-item { display: grid; grid-template-columns: 48px 1fr; gap: 16px; }
.feature-item-icon { display: inline-flex; width: 48px; height: 48px; align-items: center; justify-content: center; border-radius: 14px; color: var(--blue-700); background: var(--blue-50); }
.feature-item:nth-child(2n) .feature-item-icon { color: var(--teal-700); background: var(--teal-50); }
.feature-item-icon svg { width: 24px; height: 24px; }
.feature-item p { margin-top: 7px; color: var(--navy-600); }

.audience { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 32px; }
.pill { display: inline-flex; align-items: center; gap: 8px; padding: 10px 14px; border: 1px solid var(--navy-200); border-radius: 99px; color: var(--navy-700); background: var(--white); font-weight: 650; }
.pill svg { width: 17px; height: 17px; color: var(--blue-700); }

.testimonial-shell { padding: 42px; border: 1px solid var(--navy-200); border-radius: var(--radius-xl); background: var(--white); box-shadow: var(--shadow-md); }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 28px; }
.testimonial-card { padding: 24px; border: 1px solid var(--navy-200); border-radius: 18px; background: var(--navy-50); }
.testimonial-card blockquote { margin: 0; color: var(--navy-700); font-size: 1.02rem; }
.testimonial-meta { display: flex; align-items: center; gap: 12px; margin-top: 20px; }
.testimonial-avatar { display: inline-flex; width: 42px; height: 42px; align-items: center; justify-content: center; border-radius: 50%; color: var(--white); background: var(--navy-800); font-weight: 800; }
.testimonial-meta strong { display: block; }
.testimonial-meta span { display: block; color: var(--navy-500); font-size: .84rem; }
.testimonial-empty { display: grid; grid-template-columns: auto 1fr; gap: 18px; margin-top: 26px; padding: 24px; border: 1px dashed var(--navy-300); border-radius: 18px; background: var(--navy-50); }
.testimonial-empty-icon { display: inline-flex; width: 48px; height: 48px; align-items: center; justify-content: center; border-radius: 14px; color: var(--teal-700); background: var(--teal-50); }
.testimonial-empty-icon svg { width: 24px; height: 24px; }
.testimonial-empty p { margin-top: 6px; color: var(--navy-600); }
.verify-list { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.verify-list span { padding: 7px 11px; border-radius: 99px; color: var(--navy-600); background: var(--navy-100); font-size: .82rem; font-weight: 650; }

.article-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.article-card { display: flex; min-height: 100%; flex-direction: column; overflow: hidden; border: 1px solid var(--navy-200); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow-sm); }
.article-thumb { display: grid; min-height: 190px; place-items: center; padding: 30px; background: linear-gradient(145deg, var(--blue-50), var(--teal-50)); }
.article-thumb svg { width: 86px; height: 86px; color: var(--blue-700); }
.article-body { display: flex; flex: 1; flex-direction: column; padding: 26px; }
.article-meta { color: var(--blue-700); font-size: .8rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; }
.article-body h3 { margin-top: 10px; }
.article-body p { margin-top: 12px; color: var(--navy-600); }
.article-body .link-arrow { margin-top: auto; padding-top: 18px; color: var(--blue-700); font-weight: 750; text-decoration: none; }

.faq-list { max-width: 900px; margin: 36px auto 0; border-top: 1px solid var(--navy-200); }
.faq-item { border-bottom: 1px solid var(--navy-200); }
.faq-item summary { position: relative; padding: 23px 52px 23px 0; color: var(--navy-900); cursor: pointer; font-weight: 750; list-style: none; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { position: absolute; right: 4px; top: 22px; width: 28px; height: 28px; color: var(--blue-700); content: "+"; font-size: 1.5rem; line-height: 28px; text-align: center; transition: transform .2s ease; }
.faq-item[open] summary::after { content: "−"; transform: rotate(180deg); }
.faq-item .faq-answer { max-width: 800px; padding: 0 48px 24px 0; color: var(--navy-600); }

.cta-panel { position: relative; overflow: hidden; padding: 54px; border-radius: var(--radius-xl); color: var(--white); background: linear-gradient(135deg, #175cd3 0%, #0e9384 100%); box-shadow: var(--shadow-lg); }
.cta-panel::after { position: absolute; width: 300px; height: 300px; right: -100px; bottom: -160px; border: 48px solid rgba(255,255,255,.08); border-radius: 50%; content: ""; }
.cta-panel-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.25fr .75fr; align-items: center; gap: 34px; }
.cta-panel h2 { color: var(--white); }
.cta-panel p { max-width: 720px; margin-top: 16px; color: #e0f2fe; font-size: 1.05rem; }
.cta-panel .btn-row { justify-content: flex-end; }
.cta-panel .btn-secondary { border-color: rgba(255,255,255,.35); color: var(--navy-900); }

.site-footer { padding: 64px 0 26px; color: #d0d5dd; background: var(--navy-950); }
.footer-grid { display: grid; grid-template-columns: 1.25fr .75fr .75fr .75fr; gap: 42px; }
.footer-logo { width: 196px; filter: brightness(0) invert(1); }
.footer-about { max-width: 440px; margin-top: 20px; color: #98a2b3; }
.footer-title { color: var(--white); font-size: .93rem; font-weight: 800; }
.footer-links { display: grid; gap: 10px; margin: 16px 0 0; padding: 0; list-style: none; }
.footer-links a { color: #98a2b3; text-decoration: none; }
.footer-links a:hover { color: var(--white); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 24px; margin-top: 48px; padding-top: 24px; border-top: 1px solid #1d2939; color: #667085; font-size: .86rem; }
.footer-bottom a { color: #98a2b3; }

.mobile-cta { display: none; }

.breadcrumbs { padding: 20px 0 0; color: var(--navy-500); font-size: .87rem; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 8px; margin: 0; padding: 0; list-style: none; }
.breadcrumbs li:not(:last-child)::after { margin-left: 8px; color: var(--navy-300); content: "/"; }
.breadcrumbs a { text-decoration: none; }
.breadcrumbs a:hover { color: var(--blue-700); }
.page-hero { padding: 70px 0 58px; background: linear-gradient(180deg, var(--blue-50), #fff); }
.page-hero h1 { max-width: 900px; font-size: clamp(2.3rem, 5vw, 4rem); }
.page-hero .lead { max-width: 780px; margin-top: 20px; }
.page-meta { display: flex; flex-wrap: wrap; gap: 10px 20px; margin-top: 24px; color: var(--navy-500); font-size: .9rem; }
.article-layout { display: grid; grid-template-columns: minmax(0, 760px) 280px; align-items: start; justify-content: space-between; gap: 70px; }
.prose { color: var(--navy-700); font-size: 1.04rem; }
.prose > * + * { margin-top: 1.25em; }
.prose h2 { margin-top: 2.2em; font-size: 2rem; }
.prose h3 { margin-top: 1.8em; font-size: 1.35rem; }
.prose ul, .prose ol { padding-left: 1.4em; }
.prose li + li { margin-top: .55em; }
.prose a { color: var(--blue-700); text-underline-offset: 3px; }
.prose blockquote { margin-inline: 0; padding: 22px 24px; border-left: 4px solid var(--teal-700); border-radius: 0 14px 14px 0; background: var(--teal-50); color: var(--navy-800); font-size: 1.08rem; }
.prose .callout { padding: 24px; border: 1px solid var(--blue-100); border-radius: 16px; background: var(--blue-50); }
.prose .callout strong { color: var(--navy-900); }
.prose table { width: 100%; border-collapse: collapse; font-size: .96rem; }
.prose th, .prose td { padding: 14px; border: 1px solid var(--navy-200); vertical-align: top; text-align: left; }
.prose th { color: var(--navy-900); background: var(--navy-50); }
.sidebar-card { position: sticky; top: 104px; padding: 24px; border: 1px solid var(--navy-200); border-radius: 18px; background: var(--white); box-shadow: var(--shadow-sm); }
.sidebar-card + .sidebar-card { margin-top: 18px; }
.sidebar-card h3 { font-size: 1.1rem; }
.sidebar-card p { margin-top: 10px; color: var(--navy-600); font-size: .9rem; }
.sidebar-card .btn { width: 100%; margin-top: 18px; }
.toc { display: grid; gap: 9px; margin: 16px 0 0; padding: 0; list-style: none; }
.toc a { color: var(--navy-600); font-size: .9rem; text-decoration: none; }
.toc a:hover { color: var(--blue-700); }
.legal-card { max-width: 900px; padding: 42px; border: 1px solid var(--navy-200); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow-sm); }
.legal-card + .legal-card { margin-top: 24px; }

.reveal { opacity: 0; transform: translateY(18px); transition: opacity .65s ease, transform .65s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; scroll-behavior: auto !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}

@media (max-width: 1040px) {
  .nav-menu { position: fixed; inset: 76px 0 auto; display: none; align-items: stretch; padding: 22px 20px 28px; border-bottom: 1px solid var(--navy-200); background: var(--white); box-shadow: var(--shadow-md); }
  .nav-menu.open { display: block; }
  .nav-list { display: grid; gap: 0; }
  .nav-link { display: block; padding: 13px 0; border-bottom: 1px solid var(--navy-100); font-size: 1rem; }
  .nav-menu .btn { width: 100%; margin-top: 18px; }
  .mobile-toggle { display: inline-flex; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 820px; }
  .hero-visual { max-width: 720px; margin-inline: auto; }
  .logo-strip-grid { grid-template-columns: repeat(2, 1fr); }
  .logo-strip-label { grid-column: 1 / -1; min-height: auto; padding: 20px 0 10px; }
  .trust-item { min-height: 82px; border-top: 1px solid var(--navy-200); }
  .trust-item:nth-child(2), .trust-item:nth-child(4) { border-left: 0; }
  .section-heading { grid-template-columns: 1fr; gap: 18px; }
  .section-heading .lead { justify-self: start; }
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .feature-grid { grid-template-columns: 1fr; }
  .feature-panel { max-width: 760px; width: 100%; margin-inline: auto; }
  .article-layout { grid-template-columns: 1fr; gap: 44px; }
  .sidebar-card { position: static; }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 760px) {
  .container { width: min(calc(100% - 28px), var(--container)); }
  .section { padding: 72px 0; }
  .section-sm { padding: 52px 0; }
  .top-note-inner { min-height: 44px; align-items: flex-start; padding: 9px 0; }
  .nav { min-height: 68px; }
  .nav-menu { inset-block-start: 68px; }
  .logo-link img { width: 168px; }
  .hero { padding: 58px 0 40px; }
  .hero-grid { gap: 34px; }
  .hero .btn-row, .cta-panel .btn-row { display: grid; grid-template-columns: 1fr; }
  .hero .btn, .cta-panel .btn { width: 100%; }
  .hero-trust { display: grid; gap: 9px; }
  .logo-strip-grid { grid-template-columns: 1fr; }
  .trust-item { border-left: 0; }
  .card-grid, .compare, .steps, .testimonial-grid, .article-grid, .integrity-banner, .cta-panel-grid { grid-template-columns: 1fr; }
  .integrity-banner { padding: 30px; }
  .integrity-points { grid-template-columns: 1fr; }
  .feature-panel { min-height: 430px; padding: 22px; }
  .feature-panel-inner { inset: 22px; padding: 24px; }
  .testimonial-shell { padding: 26px; }
  .testimonial-empty { grid-template-columns: 1fr; }
  .cta-panel { padding: 34px 26px; }
  .cta-panel .btn-row { justify-content: stretch; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 34px 24px; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-bottom { align-items: flex-start; flex-direction: column; }
  .mobile-cta {
    position: fixed;
    z-index: 90;
    right: 14px;
    bottom: 14px;
    left: 14px;
    display: flex;
    opacity: 0;
    transform: translateY(22px);
    pointer-events: none;
    transition: opacity .2s ease, transform .2s ease;
  }
  .mobile-cta.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
  .mobile-cta .btn { width: 100%; box-shadow: 0 12px 34px rgba(16, 24, 40, .22); }
  body { padding-bottom: 72px; }
  .article-layout { gap: 36px; }
  .legal-card { padding: 28px 22px; }
  .page-hero { padding: 48px 0 42px; }
  .prose { font-size: 1rem; }
  .prose h2 { font-size: 1.65rem; }
  .prose table { display: block; overflow-x: auto; }
}

@media (max-width: 480px) {
  .btn-row { display: grid; grid-template-columns: 1fr; }
  .btn-row .btn { width: 100%; }
  .card-grid, .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .feature-panel { min-height: 520px; }
  .progress-item-head { align-items: flex-start; flex-direction: column; }
}