:root{
  --blue:#1D4ED8;
  --blue-dark:#12308A;
  --grey-bg:#F2F1F6;
  --grey-mid:#6B6F7B;
  --charcoal:#24242C;
  --line:#E1E0E8;
  --font-display:'Fraunces',Georgia,serif;
  --font-body:'Inter',Arial,sans-serif;
}
*{box-sizing:border-box;}
body{margin:0;font-family:var(--font-body);color:var(--charcoal);background:var(--grey-bg);line-height:1.6;}
a{color:var(--blue);text-decoration:none;}
h1,h2,h3{font-family:var(--font-display);color:var(--charcoal);margin:0 0 12px;}
img{max-width:100%;display:block;}

.topbar{background:var(--charcoal);color:#fff;font-size:13px;padding:8px 20px;text-align:center;}
.topbar a{color:#B9CBFB;font-weight:600;margin-left:6px;}

header{background:#fff;border-bottom:1px solid var(--line);position:relative;}
.header-inner{width:100%;padding:16px 40px;display:flex;align-items:center;justify-content:space-between;box-sizing:border-box;}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:700;font-size:22px;color:var(--blue-dark);}
.logo img{width:34px;height:34px;}
#main-nav{display:flex;align-items:center;gap:28px;}
#main-nav a{font-size:14px;font-weight:600;color:var(--charcoal);}
#main-nav a:hover{color:var(--blue);}
#main-nav .soon{color:var(--grey-mid);font-weight:500;position:relative;}
#main-nav .soon::after{content:"Coming Soon";position:absolute;top:-10px;right:-38px;font-size:9px;background:var(--blue);color:#fff;padding:1px 5px;border-radius:8px;font-weight:700;letter-spacing:.03em;}
.nav-cta{background:var(--blue);color:#fff !important;padding:10px 20px;border-radius:8px;}
.hamburger{display:none;background:none;border:0;cursor:pointer;font-size:22px;}

.nav-item{position:relative;display:inline-flex;align-items:center;}
.nav-item>a{display:inline-flex;align-items:center;gap:3px;}
.nav-item .caret{font-size:10px;opacity:.6;}
.dropdown-panel{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 30px rgba(0,0,0,0.10);padding:8px;min-width:190px;z-index:50;flex-direction:column;}
.nav-item:hover .dropdown-panel{display:flex;}
.dropdown-panel a{display:block;padding:9px 14px;font-size:13.5px;font-weight:500;white-space:nowrap;border-radius:6px;}
.dropdown-panel a:hover{background:var(--grey-bg);color:var(--blue);}

.hero{background:linear-gradient(120deg,var(--blue-dark) 0%,var(--blue) 100%);color:#fff;padding:72px 40px;width:100%;box-sizing:border-box;}
.hero-tag{display:inline-block;background:rgba(255,255,255,0.16);color:#fff;font-size:12px;font-weight:700;letter-spacing:.04em;padding:5px 14px;border-radius:20px;margin-bottom:16px;}
.hero h1{color:#fff;font-size:42px;max-width:760px;}
.hero p{color:rgba(255,255,255,0.85);font-size:17px;max-width:640px;}

.cat-grid{width:100%;margin:-44px 0 0;padding:0 40px 56px;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;position:relative;z-index:2;box-sizing:border-box;}
.cat-card{background:#fff;border-radius:14px;padding:28px 24px;box-shadow:0 12px 32px rgba(29,78,216,0.10);border:1px solid var(--line);}
.cat-card .icon{font-size:30px;margin-bottom:10px;}
.cat-card h3{font-size:18px;margin-bottom:6px;}
.cat-card p{font-size:13.5px;color:var(--grey-mid);margin-bottom:16px;}
.cat-card .status{font-size:11px;font-weight:700;letter-spacing:.03em;padding:3px 11px;border-radius:20px;}
.status-live{background:#E6F4EC;color:#1D7A46;}
.status-soon{background:#E5EDFB;color:var(--blue-dark);}
.cat-card a.go{font-size:13.5px;font-weight:700;color:var(--blue-dark);}

.stat-strip{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:36px 40px;width:100%;box-sizing:border-box;}
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.stat-box{text-align:center;}
.stat-box .num{font-family:var(--font-display);font-size:26px;font-weight:700;color:var(--blue-dark);}
.stat-box .label{font-size:12px;color:var(--grey-mid);margin-top:4px;}

.page-hero{background:linear-gradient(120deg,var(--blue-dark) 0%,var(--blue) 100%);color:#fff;padding:52px 40px;width:100%;box-sizing:border-box;position:relative;overflow:hidden;}
.page-hero.has-float{padding:64px 40px 88px;}
.page-hero-tag{display:inline-block;background:rgba(255,255,255,0.16);color:#fff;font-size:12px;font-weight:700;padding:4px 12px;border-radius:16px;margin-bottom:14px;}
.page-hero h1{color:#fff;font-size:36px;max-width:760px;position:relative;z-index:2;}
.page-hero p{color:rgba(255,255,255,0.85);max-width:680px;font-size:16px;position:relative;z-index:2;}
.page-hero .hero-graphic{position:absolute;right:-40px;top:-30px;width:340px;opacity:0.16;z-index:1;}

.stat-float{width:100%;padding:0 40px;box-sizing:border-box;margin-top:-56px;position:relative;z-index:3;}
.stat-float-inner{max-width:1100px;margin:0 auto;background:#fff;border-radius:16px;box-shadow:0 16px 40px rgba(29,78,216,0.16);padding:24px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;}
.stat-float .stat-box .num{color:var(--blue-dark);}
.stat-float .stat-box .label{color:var(--grey-mid);}

.bc{width:100%;padding:14px 40px 0;font-size:13px;color:var(--grey-mid);box-sizing:border-box;}
.bc a{color:var(--grey-mid);}

.wrap{width:100%;padding:36px 40px 60px;box-sizing:border-box;}
.wrap-inner{max-width:1100px;margin:0 auto;}
.article-body h2{font-size:22px;margin-top:34px;padding-bottom:8px;border-bottom:2px solid var(--line);}
.article-body h3{font-size:16px;margin-top:22px;}
.article-body p,.article-body li{font-size:15.5px;color:#3a3a3a;}
.article-body ul{padding-left:22px;}
.article-body li{margin-bottom:6px;}

.callout{background:#EEF2FD;border-left:4px solid var(--blue);border-radius:8px;padding:18px 20px;margin:20px 0;}
.callout strong{color:var(--blue-dark);}
.methodology{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin:20px 0;font-size:14px;color:var(--grey-mid);line-height:1.7;}
.methodology strong{color:var(--blue-dark);}

.data-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:14px;}
.data-table th,.data-table td{border:1px solid var(--line);padding:10px 12px;text-align:left;}
.data-table th{background:var(--blue-dark);color:#fff;font-family:var(--font-display);font-weight:600;}
.data-table tr:nth-child(even){background:#F1EFF9;}

.promo-block{background:#fff;border:2px solid var(--blue);border-radius:14px;padding:28px;margin:30px 0;text-align:center;box-shadow:0 10px 30px rgba(29,78,216,0.10);}
.promo-block .tag{font-size:11px;color:var(--blue-dark);letter-spacing:.06em;text-transform:uppercase;margin-bottom:10px;font-weight:700;}
.promo-block p{font-size:16px;}
.promo-block img{margin:0 auto;}

.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:22px;}
.guide-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 18px;}
.guide-card.current{border-color:var(--blue);background:#F3F6FE;}
.guide-card a{font-weight:700;font-size:14.5px;color:var(--blue-dark);}
.guide-card p{font-size:13px;color:var(--grey-mid);margin:6px 0 0;}

details.faq{border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin-bottom:10px;background:#fff;}
details.faq summary{font-weight:700;cursor:pointer;color:var(--blue-dark);}
details.faq p{margin:10px 0 0;font-size:14.5px;color:#3a3a3a;}

footer{background:var(--charcoal);color:rgba(255,255,255,0.8);padding:48px 40px 20px;width:100%;box-sizing:border-box;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;}
.footer-brand .logo{color:#fff;}
footer p{font-size:13px;color:rgba(255,255,255,0.55);}
footer h5{color:#fff;font-size:12px;text-transform:uppercase;letter-spacing:.06em;margin-bottom:14px;}
footer ul{list-style:none;padding:0;margin:0;}
footer li{margin-bottom:8px;}
footer li a{font-size:13px;color:rgba(255,255,255,0.65);}
.footer-bottom{margin-top:28px;padding-top:18px;border-top:1px solid rgba(255,255,255,0.14);font-size:12px;color:rgba(255,255,255,0.45);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.footer-legal a{color:rgba(255,255,255,0.45);margin-left:14px;}
.disclosure-strip{background:#E9E8EF;border-top:1px solid var(--line);padding:12px 40px;font-size:11px;color:var(--grey-mid);text-align:center;}

.trust-section{width:100%;padding:48px 40px;box-sizing:border-box;}
.trust-inner{max-width:1100px;margin:0 auto;}
.trust-inner h2{text-align:center;font-size:26px;margin-bottom:8px;}
.trust-inner .trust-sub{text-align:center;color:var(--grey-mid);font-size:15px;margin-bottom:30px;}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
.trust-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px 20px;}
.trust-card .icon{font-size:26px;margin-bottom:10px;}
.trust-card h3{font-size:15.5px;margin-bottom:6px;}
.trust-card p{font-size:13.5px;color:var(--grey-mid);margin:0;}

.partner-cta{width:100%;padding:44px 40px;box-sizing:border-box;background:var(--charcoal);}
.partner-cta-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;}
.partner-cta h3{color:#fff;font-size:20px;margin-bottom:6px;}
.partner-cta p{color:rgba(255,255,255,0.7);font-size:14px;margin:0;max-width:560px;}
.partner-cta a.btn{background:var(--blue);color:#fff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:14px;white-space:nowrap;}

.promo-desktop{display:block;}
.promo-mobile{display:none;}

@media(max-width:900px){
  .cat-grid{grid-template-columns:repeat(2,1fr);}
  .stat-row{grid-template-columns:repeat(2,1fr);}
  .stat-float-inner{grid-template-columns:repeat(2,1fr);}
  .page-hero .hero-graphic{display:none;}
  .trust-grid{grid-template-columns:repeat(2,1fr);}
  .guide-grid{grid-template-columns:1fr;}
  .footer-top{grid-template-columns:1fr 1fr;}
}
@media(max-width:640px){
  #main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:16px 24px;border-bottom:1px solid var(--line);gap:14px;}
  #main-nav.open{display:flex;}
  .hamburger{display:block;}
  .cat-grid{grid-template-columns:1fr;padding:0 20px 40px;}
  .stat-row{grid-template-columns:1fr 1fr;}
  .hero{padding:48px 20px;}
  .hero h1{font-size:28px;}
  .header-inner,.wrap,.page-hero,.bc,footer,.stat-strip{padding-left:20px;padding-right:20px;}
  .promo-desktop{display:none;}
  .promo-mobile{display:block;}
  .nav-item{display:block;width:100%;}
  .dropdown-panel{display:flex;position:static;box-shadow:none;border:none;padding:4px 0 4px 14px;min-width:0;}
}

/* ---- Quote CTAs (Oct 2026) ---- */
.quote-bar{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;background:#FFF7E6;border:1.5px solid #F59E0B;border-radius:12px;padding:14px 18px;margin:6px 0 22px;}
.quote-bar .qb-text{font-weight:700;color:#7C2D12;font-size:16px;line-height:1.4;}
.quote-bar .qb-note{display:block;font-weight:400;font-size:12px;color:#92400E;margin-top:2px;}
.qb-btn,.promo-block .nav-cta{background:#C2410C !important;color:#fff !important;font-weight:700;padding:11px 22px;border-radius:8px;white-space:nowrap;display:inline-block;}
.qb-btn:hover,.promo-block .nav-cta:hover{background:#9A3412 !important;}
.promo-block{background:#FFF7E6;border:2px solid #F59E0B;box-shadow:0 10px 30px rgba(194,65,12,0.10);}
.promo-block .tag{color:#9A3412;}
@media(max-width:640px){.quote-bar{flex-direction:column;align-items:stretch;text-align:center;}.qb-btn{text-align:center;}}
.shop-tip{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;background:#FFFBF2;border:1px dashed #F59E0B;border-radius:10px;padding:12px 16px;margin:18px 0;}
.shop-tip .st-text{font-size:14.5px;color:#3a3a3a;line-height:1.5;flex:1 1 300px;}
.shop-tip .st-note{display:block;font-size:11.5px;color:#92400E;margin-top:3px;}
.shop-tip .st-btn{font-size:14px;font-weight:700;color:#C2410C;border:1.5px solid #C2410C;border-radius:8px;padding:8px 14px;white-space:nowrap;background:#fff;}
.shop-tip .st-btn:hover{background:#C2410C;color:#fff;}

/* Oct 11 2026: menu sits next to the logo on the left; "Read the Guides" stays on the right */
@media (min-width:641px){
  .header-inner{justify-content:flex-start;gap:48px;}
  #main-nav{flex:1;}
  #main-nav .nav-cta{margin-left:auto;}
}