:root{
  --navy:#101E36;
  --navy-2:#16294A;
  --green:#1FAE5C;
  --green-dark:#168A48;
  --green-tint:#E7F8EE;
  --gold:#F0A93B;
  --gold-tint:#FDF1DE;
  --red:#E5484D;
  --red-tint:#FCE9EA;
  --bg:#F6F8FB;
  --bg-alt:#EDF1F6;
  --card:#FFFFFF;
  --ink:#16202E;
  --ink-soft:#57667A;
  --ink-faint:#8B98A8;
  --border:#E1E7EF;
  --radius-lg:20px;
  --radius-md:14px;
  --radius-sm:8px;
  --shadow:0 2px 8px rgba(16,30,54,0.05), 0 14px 30px -16px rgba(16,30,54,0.14);
  --maxw:1180px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:'Inter',sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Sora',sans-serif;font-weight:700;line-height:1.18;margin:0;color:var(--navy);letter-spacing:-0.01em;}
p{margin:0;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;}
::selection{background:var(--green-tint);}
:focus-visible{outline:3px solid var(--green-dark);outline-offset:2px;border-radius:4px;}
.mono{font-family:'IBM Plex Mono',monospace;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 24px;}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;
  padding:14px 26px;border-radius:999px;border:2px solid transparent;cursor:pointer;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;white-space:nowrap;font-family:'Inter',sans-serif;}
.btn-primary{background:var(--green);color:#fff;box-shadow:0 10px 22px -8px rgba(31,174,92,0.55);}
.btn-primary:hover{background:var(--green-dark);transform:translateY(-1px);}
.btn-outline{background:transparent;border-color:rgba(255,255,255,0.35);color:#fff;}
.btn-outline:hover{background:rgba(255,255,255,0.1);}
.btn-outline-dark{background:transparent;border-color:var(--navy);color:var(--navy);}
.btn-outline-dark:hover{background:var(--bg-alt);}
.btn-sm{padding:9px 18px;font-size:13.5px;}
.btn-block{width:100%;}

/* ---------- Eyebrow / labels ---------- */
.eyebrow{font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.1em;text-transform:uppercase;
  color:var(--green-dark);font-weight:600;display:inline-flex;align-items:center;gap:8px;}
.eyebrow::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--gold);display:inline-block;}
.eyebrow.on-dark{color:#8FE0B3;}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(246,248,251,0.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;max-width:var(--maxw);margin:0 auto;gap:20px;}
.logo{font-family:'Sora',sans-serif;font-weight:700;font-size:18px;color:var(--navy);display:flex;align-items:center;gap:8px;}
.logo .dot{color:var(--green);}
.nav-links{display:flex;gap:24px;align-items:center;list-style:none;}
.nav-links a{font-size:14px;font-weight:600;color:var(--ink-soft);transition:color .15s;white-space:nowrap;}
.nav-links a:hover, .nav-links a.active{color:var(--navy);}
.nav-cta{display:flex;align-items:center;gap:14px;flex-shrink:0;}
@media (max-width:980px){.nav-links{display:none;}}

/* ---------- Breadcrumb ---------- */
.breadcrumb{font-size:13px;color:var(--ink-faint);padding:18px 0 0;}
.breadcrumb a{color:var(--ink-soft);}
.breadcrumb a:hover{color:var(--green-dark);}

/* ---------- Hero ---------- */
.hero{padding:52px 0 64px;background:linear-gradient(180deg,var(--bg) 0%, var(--bg) 60%, var(--bg-alt) 100%);}
.hero h1{font-size:clamp(30px,4vw,46px);margin:14px 0 16px;}
.hero h1 em{font-style:normal;color:var(--green-dark);}
.hero-sub{font-size:17.5px;color:var(--ink-soft);max-width:640px;margin-bottom:8px;}
.hero-meta{display:flex;gap:26px;flex-wrap:wrap;margin-top:26px;}
.hero-meta div{font-size:13px;color:var(--ink-faint);}
.hero-meta strong{display:block;font-family:'Sora',sans-serif;font-size:21px;color:var(--navy);font-weight:700;}

/* ---------- Widget wrapper (comparison calculator) ---------- */
.widget-card{
  background:var(--navy);border-radius:var(--radius-lg);padding:26px 26px 14px;
  box-shadow:0 30px 60px -24px rgba(16,30,54,0.45);
}
.widget-card .widget-head{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-bottom:16px;flex-wrap:wrap;}
.widget-card .widget-title{color:#fff;font-family:'Sora',sans-serif;font-weight:700;font-size:17px;}
.widget-card .widget-badge{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.08em;text-transform:uppercase;
  background:rgba(31,174,92,0.18);color:#8FE0B3;padding:5px 11px;border-radius:999px;}
.widget-frame-wrap{background:#fff;border-radius:var(--radius-md);overflow:hidden;padding:6px;}
.widget-foot{color:rgba(255,255,255,0.55);font-size:12px;padding:14px 2px 4px;}
.cta-banner{
  background:var(--green-tint);border:1px solid #BEE9CE;border-radius:var(--radius-md);
  padding:22px 26px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;margin:40px 0;
}
.cta-banner p{font-size:15px;color:var(--navy);font-weight:600;max-width:520px;}
.cta-banner span{display:block;font-weight:400;color:var(--ink-soft);font-size:13.5px;margin-top:4px;}

/* ---------- Sections ---------- */
.section{padding:64px 0;}
.section-alt{background:var(--bg-alt);}
.section-dark{background:var(--navy);color:#fff;}
.section-dark h2, .section-dark h3{color:#fff;}
.section-head{max-width:660px;margin-bottom:38px;}
.section-head h2{font-size:clamp(24px,3vw,32px);margin:12px 0 12px;}
.section-head p{color:var(--ink-soft);font-size:16px;}
.section-dark .section-head p{color:rgba(255,255,255,0.7);}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center;}

/* ---------- Info / alert boxes ---------- */
.info-box{border-radius:var(--radius-md);padding:20px 22px;border:1px solid var(--border);background:var(--card);display:flex;gap:14px;margin:22px 0;}
.info-box.tip{background:var(--green-tint);border-color:#BEE9CE;}
.info-box.warn{background:var(--gold-tint);border-color:#F3D89B;}
.info-box.risk{background:var(--red-tint);border-color:#F3BCC0;}
.info-box .icon{font-size:20px;flex-shrink:0;}
.info-box p{font-size:14.5px;color:var(--ink-soft);line-height:1.55;}
.info-box strong{color:var(--ink);}

/* ---------- Comparison table ---------- */
.comp-table-wrap{overflow-x:auto;border-radius:var(--radius-md);border:1px solid var(--border);background:var(--card);box-shadow:var(--shadow);}
table.comp-table{width:100%;border-collapse:collapse;min-width:820px;}
.comp-table th{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-faint);
  text-align:left;padding:14px 16px;background:var(--bg-alt);border-bottom:1px solid var(--border);}
.comp-table td{padding:16px;border-bottom:1px solid var(--border);font-size:14px;vertical-align:middle;}
.comp-table tr:last-child td{border-bottom:none;}
.comp-table tr:hover td{background:#FAFBFD;}
.comp-provider{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);font-family:'Sora',sans-serif;font-size:14.5px;}
.brand-badge{width:34px;height:34px;border-radius:9px;display:flex;align-items:center;justify-content:center;
  font-family:'Sora',sans-serif;font-weight:700;color:#fff;font-size:14px;flex-shrink:0;}
.comp-table .num{font-family:'IBM Plex Mono',monospace;font-size:13.5px;}
.badge{display:inline-block;font-size:11px;font-weight:700;padding:4px 10px;border-radius:999px;font-family:'IBM Plex Mono',monospace;letter-spacing:.03em;}
.badge-top{background:var(--gold-tint);color:#9A6A0C;}
.badge-cheap{background:var(--green-tint);color:var(--green-dark);}
.badge-neu{background:#E7EEFC;color:#2F5FC7;}

/* ---------- Broker cards grid ---------- */
.broker-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.broker-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-md);padding:24px;display:flex;flex-direction:column;gap:12px;
  transition:transform .18s, box-shadow .18s;}
.broker-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);}
.broker-card-head{display:flex;align-items:center;gap:12px;}
.broker-card h3{font-size:19px;}
.broker-facts{list-style:none;display:flex;flex-direction:column;gap:7px;margin:4px 0;}
.broker-facts li{font-size:13.5px;color:var(--ink-soft);padding-left:20px;position:relative;}
.broker-facts li::before{content:"✓";position:absolute;left:0;color:var(--green-dark);font-weight:700;}
.broker-card-foot{margin-top:auto;display:flex;gap:10px;align-items:center;flex-wrap:wrap;}

/* ---------- Guide / pillar cards ---------- */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.guide-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-md);padding:24px;display:flex;flex-direction:column;gap:10px;}
.guide-card .eyebrow{font-size:11px;}
.guide-card h3{font-size:18px;}
.guide-card p{font-size:14px;color:var(--ink-soft);}
.guide-card .arrow{margin-top:auto;font-weight:700;color:var(--green-dark);font-size:13.5px;}

/* ---------- Steps ---------- */
.steps{display:flex;flex-direction:column;gap:0;counter-reset:step;}
.step{display:flex;gap:20px;padding:22px 0;border-bottom:1px solid var(--border);}
.step:last-child{border-bottom:none;}
.step-num{font-family:'Sora',sans-serif;font-weight:700;font-size:20px;color:var(--green-dark);flex-shrink:0;width:40px;}
.step h3{font-size:17px;margin-bottom:6px;}
.step p{font-size:14.5px;color:var(--ink-soft);}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:12px;}
.faq details{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-md);padding:4px 22px;}
.faq summary{cursor:pointer;font-weight:700;font-size:15.5px;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px;color:var(--navy);}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:"+";font-size:22px;color:var(--green-dark);font-weight:400;flex-shrink:0;transition:transform .2s;}
.faq details[open] summary::after{transform:rotate(45deg);}
.faq-a{font-size:14.5px;color:var(--ink-soft);padding-bottom:18px;max-width:660px;}

/* ---------- Article prose (guide pages) ---------- */
.prose h2{font-size:24px;margin:38px 0 14px;}
.prose h3{font-size:19px;margin:26px 0 10px;color:var(--navy);}
.prose p{font-size:16px;color:var(--ink-soft);margin-bottom:16px;line-height:1.7;}
.prose ul, .prose ol{margin:0 0 18px;padding-left:22px;}
.prose li{font-size:15.5px;color:var(--ink-soft);margin-bottom:8px;line-height:1.6;}
.prose strong{color:var(--ink);}
.prose table{width:100%;border-collapse:collapse;margin:18px 0;font-size:14px;}
.prose table th{text-align:left;padding:10px 12px;background:var(--bg-alt);font-family:'IBM Plex Mono',monospace;font-size:11px;text-transform:uppercase;letter-spacing:.05em;color:var(--ink-faint);}
.prose table td{padding:10px 12px;border-bottom:1px solid var(--border);}

/* ---------- Glossary ---------- */
.glossary-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 40px;}
.gloss-item{padding:18px 0;border-bottom:1px solid var(--border);}
.gloss-item dt{font-family:'Sora',sans-serif;font-weight:700;font-size:15.5px;color:var(--navy);margin-bottom:4px;}
.gloss-item dd{font-size:14px;color:var(--ink-soft);margin:0;line-height:1.55;}

/* ---------- Provider hero (single broker pages) ---------- */
.provider-hero{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:22px;padding:34px 0;}
.provider-hero .brand-badge{width:64px;height:64px;font-size:24px;border-radius:16px;}
.provider-hero h1{font-size:clamp(26px,3.4vw,36px);margin:0 0 6px;}
.provider-hero .sub{color:var(--ink-soft);font-size:15px;}
.provider-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:28px 0;}
.pstat{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-sm);padding:16px;}
.pstat .label{font-family:'IBM Plex Mono',monospace;font-size:10.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--ink-faint);margin-bottom:6px;}
.pstat .value{font-family:'Sora',sans-serif;font-weight:700;font-size:19px;color:var(--navy);}
.pro-con{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.pro-con-col{border-radius:var(--radius-md);padding:22px;}
.pro-con-col.pro{background:var(--green-tint);border:1px solid #BEE9CE;}
.pro-con-col.con{background:var(--red-tint);border:1px solid #F3BCC0;}
.pro-con-col h3{font-size:15px;margin-bottom:12px;}
.pro-con-col ul{list-style:none;display:flex;flex-direction:column;gap:10px;}
.pro-con-col li{font-size:14px;color:var(--ink-soft);padding-left:20px;position:relative;}
.pro-con-col.pro li::before{content:"✓";position:absolute;left:0;color:var(--green-dark);font-weight:700;}
.pro-con-col.con li::before{content:"–";position:absolute;left:0;color:#C0393E;font-weight:700;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:rgba(255,255,255,0.7);padding:56px 0 26px;margin-top:40px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px;}
.footer-grid h4{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,0.45);margin-bottom:14px;font-weight:700;}
.footer-grid a{display:block;font-size:14px;color:rgba(255,255,255,0.72);margin-bottom:10px;}
.footer-grid a:hover{color:#fff;}
.footer-logo{font-family:'Sora',sans-serif;font-weight:700;font-size:18px;color:#fff;margin-bottom:12px;display:block;}
.footer-disclaimer{font-size:12.5px;color:rgba(255,255,255,0.45);max-width:640px;line-height:1.6;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;font-size:13px;color:rgba(255,255,255,0.4);
  padding-top:22px;border-top:1px solid rgba(255,255,255,0.12);flex-wrap:wrap;gap:10px;}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .broker-grid{grid-template-columns:repeat(2,1fr);}
  .guide-grid{grid-template-columns:repeat(2,1fr);}
  .provider-stats{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .glossary-grid{grid-template-columns:1fr;}
}
@media (max-width:640px){
  .broker-grid{grid-template-columns:1fr;}
  .guide-grid{grid-template-columns:1fr;}
  .pro-con{grid-template-columns:1fr;}
  .provider-hero{grid-template-columns:1fr;text-align:center;}
  .provider-hero .provider-hero-cta{justify-content:center;display:flex;}
  .cta-banner{flex-direction:column;align-items:flex-start;}
}
@media (prefers-reduced-motion:reduce){*{animation:none !important;transition:none !important;}}