:root {
  --bg: #f8fafc;
  --surface: rgba(255,255,255,0.76);
  --card: #ffffff;
  --text: #0f172a;
  --muted: #475569;
  --muted-soft: #64748b;
  --line: rgba(15, 23, 42, 0.09);
  --primary: #0f172a;
  --accent: #10b981;
  --accent-2: #38bdf8;
  --dark: #08111f;
  --dark-2: #0b1730;
  --shadow: 0 24px 70px rgba(2, 8, 23, 0.12);
  --radius: 24px;
  --radius-sm: 18px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behaviour: smooth; }
body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(56,189,248,.16), transparent 28%),
    radial-gradient(circle at top right, rgba(16,185,129,.14), transparent 26%),
    linear-gradient(180deg, #f8fbff 0%, #f8fafc 40%, #eef4fb 100%);
}

a { color: inherit; text-decoration: none; }
p { line-height: 1.75; margin: 0; }
h1, h2, h3 { margin: 0; letter-spacing: -0.03em; }
img { max-width: 100%; }

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

.topbar {
  position: sticky;
  top: 0;
  z-index: 30;
  backdrop-filter: blur(18px);
  background: rgba(248, 250, 252, 0.78);
  border-bottom: 1px solid rgba(255,255,255,0.45);
}

.nav-wrap {
  display: flex;
  align-items: centre;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 0;
}

.brand {
  display: inline-flex;
  align-items: centre;
  gap: 0.9rem;
}

.brand-mark {
  width: 48px;
  height: 48px;
  border-radius: 16px;
  display: grid;
  place-items: centre;
  color: white;
  font-weight: 800;
  background: linear-gradient(135deg, var(--primary), #1d4ed8);
  box-shadow: 0 16px 34px rgba(15, 23, 42, 0.24);
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-text strong {
  font-size: 1rem;
}

.brand-text small {
  color: var(--muted-soft);
  font-size: 0.8rem;
  margin-top: 0.15rem;
}

.nav {
  display: flex;
  align-items: centre;
  gap: 1.4rem;
  color: var(--muted);
  font-size: 0.95rem;
}

.nav a:hover { color: var(--text); }
.nav-cta {
  padding: 0.85rem 1.05rem;
  background: white;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--text) !important;
  box-shadow: 0 10px 26px rgba(15, 23, 42, 0.06);
}

.menu-toggle {
  display: none;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: white;
  padding: 0.7rem 0.8rem;
  font-size: 1rem;
}

.hero {
  padding: 6rem 0 4rem;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 2rem;
  align-items: centre;
}

.eyebrow, .kicker, .panel-label, .spotlight-label, .mini-label {
  display: inline-flex;
  align-items: centre;
  gap: 0.5rem;
  padding: 0.45rem 0.8rem;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.eyebrow, .kicker, .spotlight-label, .mini-label {
  background: rgba(16, 185, 129, 0.12);
  color: #047857;
}

.panel-label {
  background: rgba(56, 189, 248, 0.12);
  color: #0369a1;
}

.hero h1 {
  margin-top: 1rem;
  font-size: clamp(2.6rem, 6vw, 4.75rem);
  line-height: 1.02;
  max-width: 12ch;
}

.lead {
  margin-top: 1.25rem;
  font-size: 1.12rem;
  color: var(--muted);
  max-width: 62ch;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  margin-top: 1.8rem;
}

.btn {
  display: inline-flex;
  justify-content: centre;
  align-items: centre;
  gap: 0.5rem;
  border-radius: 999px;
  padding: 1rem 1.25rem;
  font-weight: 700;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), #1d4ed8);
  color: white;
  box-shadow: 0 18px 34px rgba(29, 78, 216, 0.22);
}

.btn-secondary {
  background: white;
  color: var(--text);
  border: 1px solid var(--line);
  box-shadow: 0 12px 22px rgba(15, 23, 42, 0.06);
}

.btn-block { width: 100%; }

.hero-points {
  margin: 1.4rem 0 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem 1.2rem;
  color: var(--muted);
}

.hero-points li::before,
.check-list li::before,
.spotlight-card li::before {
  content: "✓";
  margin-right: 0.55rem;
  color: var(--accent);
  font-weight: 800;
}

.hero-card {
  position: relative;
}

.card-glow {
  position: absolute;
  inset: -20px;
  background: radial-gradient(circle at 20% 20%, rgba(56, 189, 248, 0.28), transparent 38%),
              radial-gradient(circle at 90% 90%, rgba(16, 185, 129, 0.22), transparent 36%);
  filter: blur(34px);
}

.hero-panel,
.spotlight-card,
.mini-form-card,
.step-card,
.warning-card,
.alt-card,
.trust-grid > div,
.compare-cards article,
.faq-list details {
  position: relative;
  background: var(--surface);
  backdrop-filter: blur(14px);
  border: 1px solid rgba(255,255,255,0.62);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
}

.hero-panel {
  padding: 1.6rem;
}

.stat-grid {
  margin-top: 1.1rem;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.stat-grid article {
  padding: 1rem;
  border-radius: 18px;
  background: rgba(255,255,255,0.78);
  border: 1px solid var(--line);
}

.stat-grid span {
  display: block;
  color: var(--muted-soft);
  font-size: 0.85rem;
  margin-bottom: 0.5rem;
}

.stat-grid strong {
  font-size: 1rem;
  line-height: 1.45;
}

.trust-strip {
  padding-bottom: 1rem;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.trust-grid > div {
  padding: 1.4rem;
}

.trust-grid strong {
  display: block;
  margin-bottom: 0.45rem;
}

.trust-grid p,
.section-head p,
.section-head.left p,
.warning-card p,
.alt-card p,
.step-card p,
.feature-list p,
.spotlight-card p,
.mini-form-card p,
.cta-band p,
.site-footer p {
  color: var(--muted);
}

.section {
  padding: 5.5rem 0;
}

.section-alt {
  background: linear-gradient(180deg, rgba(255,255,255,0.4), rgba(255,255,255,0.2));
}

.section-dark {
  background: linear-gradient(135deg, var(--dark), var(--dark-2));
  color: white;
}

.section-head {
  max-width: 760px;
  margin-bottom: 2rem;
}

.section-head.narrow { max-width: 680px; margin-left: auto; margin-right: auto; text-align: centre; }
.section-head.left { max-width: 620px; margin-bottom: 0; }
.section-head.light p { color: rgba(255,255,255,0.74); }
.section-head h2 {
  margin-top: 0.85rem;
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1.08;
}

.steps-grid,
.warning-grid,
.alternatives-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.step-card,
.warning-card,
.alt-card {
  padding: 1.4rem;
}

.step-no {
  display: inline-grid;
  place-items: centre;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: rgba(16, 185, 129, 0.12);
  color: #047857;
  font-weight: 800;
  margin-bottom: 1rem;
}

.step-card h3,
.warning-card h3,
.alt-card h3,
.feature-list h3,
.compare-cards h3,
.spotlight-card h3,
.mini-form-card h3,
.cta-band h2 {
  font-size: 1.2rem;
  margin-bottom: 0.7rem;
}

.two-col,
.adviser-grid,
.cta-grid,
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}

.feature-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.feature-list article {
  padding: 1.25rem;
  background: rgba(255,255,255,0.72);
  border-radius: 22px;
  border: 1px solid rgba(255,255,255,0.55);
  box-shadow: 0 18px 40px rgba(15, 23, 42, 0.08);
}

.spotlight-card {
  padding: 1.6rem;
}

.spotlight-card h3 {
  margin-top: 0.9rem;
  font-size: 1.5rem;
}

.spotlight-card ul,
.check-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
}

.spotlight-card li,
.check-list li {
  padding: 0.55rem 0;
  border-bottom: 1px dashed rgba(15, 23, 42, 0.09);
}

.section-dark .compare-cards {
  display: grid;
  gap: 1rem;
}

.compare-cards article {
  padding: 1.25rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.1);
  color: white;
  box-shadow: none;
}

.compare-cards p { color: rgba(255,255,255,0.74); }

.mini-form-card {
  padding: 1.45rem;
}

.lead-form {
  display: grid;
  gap: 1rem;
  margin-top: 1rem;
}

.lead-form label {
  display: grid;
  gap: 0.45rem;
  font-weight: 600;
  color: var(--text);
}

input,
select {
  width: 100%;
  padding: 0.95rem 1rem;
  border-radius: 16px;
  border: 1px solid rgba(15, 23, 42, 0.14);
  background: rgba(255,255,255,0.95);
  font: inherit;
}

.form-note {
  font-size: 0.9rem;
  color: var(--muted-soft) !important;
}

.faq-list {
  max-width: 860px;
  margin: 0 auto;
  display: grid;
  gap: 0.9rem;
}

.faq-list details {
  padding: 1.1rem 1.2rem;
}

.faq-list summary {
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  font-size: 1.05rem;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
}

.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+";
  font-size: 1.25rem;
  color: var(--muted-soft);
}

.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { margin-top: 0.9rem; }

.cta-band {
  background: linear-gradient(135deg, rgba(16,185,129,0.12), rgba(59,130,246,0.1));
}

.cta-grid {
  align-items: centre;
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
  justify-content: flex-end;
}

.site-footer {
  padding: 2rem 0 3rem;
  border-top: 1px solid rgba(15,23,42,0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 1.5rem;
}

@media (max-width: 1040px) {
  .hero-grid,
  .two-col,
  .adviser-grid,
  .cta-grid,
  .compare-grid,
  .footer-grid,
  .trust-grid,
  .steps-grid,
  .warning-grid,
  .alternatives-grid {
    grid-template-columns: 1fr;
  }

  .feature-list,
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .cta-actions { justify-content: flex-start; }
}

@media (max-width: 820px) {
  .nav {
    display: none;
    position: absolute;
    left: 1rem;
    right: 1rem;
    top: 78px;
    padding: 1rem;
    flex-direction: column;
    align-items: stretch;
    background: rgba(255,255,255,0.96);
    border: 1px solid var(--line);
    border-radius: 22px;
    box-shadow: var(--shadow);
  }

  .nav.show { display: flex; }
  .menu-toggle { display: inline-flex; }
  .hero { padding-top: 4rem; }
  .hero h1 { max-width: 14ch; }
}

@media (max-width: 640px) {
  .feature-list,
  .stat-grid { grid-template-columns: 1fr; }

  .hero-points {
    flex-direction: column;
    align-items: flex-start;
  }

  .btn,
  .nav-cta { width: 100%; }

  .hero-actions,
  .cta-actions { flex-direction: column; }

  .section,
  .hero { padding: 4rem 0; }
}