:root {
  color-scheme: dark;
  --bg: #070708;
  --bg-soft: #111114;
  --panel: #17171b;
  --panel-strong: #20191c;
  --text: #f7f2ed;
  --muted: #beb4ad;
  --soft: #8f8580;
  --line: rgba(255, 255, 255, .12);
  --red: #d5142f;
  --red-strong: #ff2447;
  --gold: #d8b56a;
  --cream: #fff3df;
  --shadow: 0 24px 80px rgba(0, 0, 0, .38);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background:
    radial-gradient(circle at 10% -10%, rgba(213, 20, 47, .22), transparent 34rem),
    linear-gradient(135deg, #050505 0%, #100b0d 48%, #050505 100%);
  color: var(--text);
  min-height: 100vh;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(255, 255, 255, .025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .02) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(to bottom, rgba(0,0,0,.55), transparent 70%);
}

a {
  color: inherit;
  text-decoration: none;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(255, 36, 71, .85);
  outline-offset: 4px;
}

p {
  color: var(--muted);
  line-height: 1.72;
}

.site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  width: min(1180px, calc(100% - 32px));
  margin: 16px auto 0;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: rgba(7, 7, 8, .86);
  box-shadow: 0 14px 40px rgba(0, 0, 0, .32);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
}

.brand img {
  display: block;
  width: 190px;
  height: auto;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: flex-end;
  gap: 6px;
}

.nav a {
  min-height: 38px;
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  padding: 0 14px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 760;
}

.nav a:hover,
.nav a.active {
  color: var(--cream);
  background: rgba(255, 255, 255, .08);
}

.nav-toggle {
  display: none;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: rgba(255, 255, 255, .06);
  color: var(--text);
  min-height: 40px;
  padding: 0 14px;
  font-weight: 800;
}

.hero,
.page-hero,
.section,
.final-cta,
.disclosure,
.site-footer {
  width: min(1180px, calc(100% - 32px));
  margin-left: auto;
  margin-right: auto;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(320px, .8fr);
  gap: 28px;
  align-items: center;
  padding: 74px 0 34px;
}

.hero-copy,
.page-hero {
  position: relative;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.eyebrow::before {
  content: "";
  width: 28px;
  height: 2px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--red-strong), var(--gold));
}

h1,
h2,
h3 {
  color: var(--text);
  line-height: 1.03;
  margin: 0;
}

h1 {
  max-width: 790px;
  margin-top: 16px;
  font-size: clamp(44px, 8vw, 92px);
  letter-spacing: 0;
}

h2 {
  font-size: clamp(30px, 4vw, 54px);
}

h3 {
  font-size: 22px;
}

.hero p,
.page-hero p {
  max-width: 720px;
  font-size: clamp(17px, 2vw, 21px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.button {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0 18px;
  color: var(--cream);
  font-weight: 900;
  font-size: 14px;
}

.button.primary {
  border-color: rgba(255, 36, 71, .55);
  background: linear-gradient(135deg, var(--red), #7d0b1e);
  box-shadow: 0 16px 36px rgba(213, 20, 47, .24);
}

.button.ghost {
  background: rgba(255, 255, 255, .07);
}

.button.disabled {
  color: var(--soft);
  background: rgba(255, 255, 255, .04);
}

.hero-panel {
  display: grid;
  gap: 12px;
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 22px;
  background:
    linear-gradient(145deg, rgba(255, 255, 255, .08), rgba(255, 255, 255, .02)),
    rgba(17, 17, 20, .9);
  box-shadow: var(--shadow);
}

.hero-panel div {
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1px solid rgba(255, 255, 255, .08);
  border-radius: 18px;
  padding: 16px;
  background: rgba(0, 0, 0, .22);
  color: var(--cream);
  font-weight: 800;
}

.hero-panel span {
  display: inline-grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 999px;
  background: rgba(213, 20, 47, .22);
  color: var(--red-strong);
}

.page-hero {
  padding: 72px 0 26px;
}

.page-hero.narrow {
  max-width: 920px;
}

.disclosure {
  margin-top: 12px;
  border: 1px solid rgba(216, 181, 106, .26);
  border-radius: 18px;
  padding: 16px 18px;
  background: rgba(216, 181, 106, .08);
  color: var(--muted);
  line-height: 1.65;
}

.disclosure strong {
  color: var(--cream);
}

.section {
  padding: 68px 0 0;
}

.section.compact {
  padding-top: 24px;
}

.section-heading {
  display: grid;
  gap: 12px;
  max-width: 790px;
  margin-bottom: 24px;
}

.metric-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}

.metric {
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 18px;
  background: rgba(255, 255, 255, .045);
}

.metric strong {
  display: block;
  color: var(--cream);
  font-size: 36px;
}

.metric span {
  color: var(--muted);
  font-weight: 760;
}

.provider-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
}

.provider-card,
.guide-tile,
.info-card,
.text-panel,
.calc-box,
.faq details {
  border: 1px solid var(--line);
  background: rgba(23, 23, 27, .78);
  box-shadow: 0 12px 44px rgba(0, 0, 0, .2);
}

.provider-card {
  display: flex;
  flex-direction: column;
  min-height: 380px;
  border-radius: 22px;
  padding: 18px;
}

.provider-mark {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(213, 20, 47, .82), rgba(216, 181, 106, .45));
  color: #fff;
  font-weight: 950;
}

.provider-card h3 {
  margin-top: 16px;
}

.provider-card p {
  margin-bottom: 10px;
}

.provider-card dl {
  display: grid;
  gap: 12px;
  margin: 0 0 18px;
}

.provider-card dt {
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
}

.provider-card dd {
  margin: 4px 0 0;
  color: var(--muted);
  line-height: 1.5;
  font-size: 14px;
}

.provider-card .button {
  margin-top: auto;
}

.tile-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.guide-tile {
  min-height: 160px;
  border-radius: 22px;
  padding: 18px;
  transition: transform .2s ease, border-color .2s ease, background .2s ease;
}

.guide-tile:hover {
  transform: translateY(-3px);
  border-color: rgba(255, 36, 71, .42);
  background: rgba(32, 25, 28, .92);
}

.guide-tile span {
  color: var(--cream);
  font-size: 18px;
  font-weight: 950;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, .7fr);
  gap: 24px;
  align-items: start;
}

.info-card {
  border-radius: 24px;
  padding: 24px;
}

.info-card ul {
  display: grid;
  gap: 12px;
  margin: 18px 0 0;
  padding-left: 20px;
  color: var(--muted);
  line-height: 1.6;
}

.article {
  display: grid;
  gap: 18px;
}

.text-panel {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 160px;
  gap: 24px;
  align-items: center;
  border-radius: 28px;
  padding: 24px;
}

.text-panel.alt {
  grid-template-columns: 160px minmax(0, 1fr);
}

.text-panel.alt > div:first-child {
  order: 2;
}

.step {
  display: inline-flex;
  margin-bottom: 12px;
  color: var(--gold);
  font-weight: 950;
}

.visual-chip {
  display: grid;
  place-items: center;
  min-height: 150px;
  border-radius: 24px;
  background:
    radial-gradient(circle at 30% 30%, rgba(255, 36, 71, .36), transparent 38%),
    linear-gradient(145deg, rgba(255, 255, 255, .09), rgba(255, 255, 255, .02));
  color: var(--cream);
  font-size: 62px;
  font-weight: 950;
}

.calculator {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(360px, 1fr);
  gap: 24px;
  align-items: start;
}

.calc-box {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  border-radius: 24px;
  padding: 18px;
}

.calc-box label {
  display: grid;
  gap: 8px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
}

.calc-box input {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: rgba(0, 0, 0, .25);
  color: var(--text);
  padding: 0 12px;
  font: inherit;
  font-weight: 800;
}

.calc-box output {
  grid-column: 1 / -1;
  display: block;
  border-radius: 18px;
  padding: 18px;
  background: rgba(213, 20, 47, .16);
  color: var(--cream);
  font-size: 22px;
  font-weight: 950;
}

.faq {
  max-width: 920px;
}

.faq details {
  border-radius: 18px;
  margin-bottom: 12px;
  padding: 18px;
}

.faq summary {
  cursor: pointer;
  color: var(--cream);
  font-weight: 900;
}

.related-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 16px;
}

.related-row a {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 12px 15px;
  background: rgba(255, 255, 255, .05);
  color: var(--cream);
  font-weight: 850;
}

.legal-copy {
  max-width: 860px;
}

.final-cta {
  margin-top: 76px;
  border: 1px solid rgba(255, 36, 71, .24);
  border-radius: 30px;
  padding: 38px;
  background:
    radial-gradient(circle at 85% 20%, rgba(213, 20, 47, .35), transparent 24rem),
    rgba(23, 23, 27, .82);
}

.final-cta h2 {
  max-width: 860px;
  margin-top: 12px;
}

.site-footer {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, .7fr);
  gap: 28px;
  margin-top: 78px;
  padding: 28px 0 42px;
  border-top: 1px solid var(--line);
}

.site-footer strong {
  color: var(--cream);
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 10px;
}

.site-footer a {
  color: var(--muted);
  font-weight: 760;
}

@media (max-width: 1040px) {
  .provider-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .tile-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 780px) {
  .site-header {
    align-items: center;
    flex-wrap: wrap;
  }

  .brand img {
    width: 166px;
  }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
  }

  .nav {
    display: none;
    flex-basis: 100%;
    justify-content: stretch;
  }

  .nav.open {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .nav a {
    justify-content: center;
    background: rgba(255, 255, 255, .05);
  }

  .hero,
  .split,
  .calculator,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .hero {
    padding-top: 48px;
  }

  h1 {
    font-size: clamp(40px, 13vw, 64px);
  }

  .metric-row,
  .provider-grid,
  .tile-grid {
    grid-template-columns: 1fr;
  }

  .provider-card {
    min-height: auto;
  }

  .text-panel,
  .text-panel.alt {
    grid-template-columns: 1fr;
  }

  .text-panel.alt > div:first-child {
    order: initial;
  }

  .visual-chip {
    min-height: 110px;
  }

  .calc-box {
    grid-template-columns: 1fr;
  }

  .site-footer nav {
    justify-content: flex-start;
  }
}