:root{
  --ink:#0d1220;--ink-2:#1a2338;--navy:#101a2e;--gold:#e8b44a;--gold-2:#f6cd7a;
  --paper:#f7f4ee;--card:#ffffff;--line:#e4ded2;--muted:#6b7280;--text:#22283a;
  --good:#1f9d63;--warn:#c2410c;--radius:14px;--shadow:0 1px 2px rgba(13,18,32,.06),0 8px 24px rgba(13,18,32,.06);
  --serif:"Iowan Old Style","Palatino Linotype",Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font:400 17px/1.65 var(--sans)}
img{max-width:100%;height:auto;display:block}
a{color:#12408f;text-decoration:none}
p a,li a,td a,blockquote a{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.22;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(1.85rem,4vw,2.7rem)}
h2{font-size:clamp(1.35rem,2.6vw,1.75rem);margin-top:1.9em}
h3{font-size:1.14rem;margin-top:1.4em}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.2em;padding-left:1.25em}
li{margin:.35em 0}
strong{color:var(--ink)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
main > .wrap,main > div.wrap{padding-top:30px}
.narrow{max-width:820px;margin:0 auto}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:40;background:rgba(13,18,32,.96);backdrop-filter:blur(8px);
  border-bottom:1px solid rgba(255,255,255,.08)}
.head-in{display:flex;align-items:center;gap:18px;height:66px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-family:var(--serif);font-size:1.12rem;
  letter-spacing:-.01em;white-space:nowrap}
.brand img{width:34px;height:34px;object-fit:contain}
.brand b{color:var(--gold)}
.nav{display:flex;gap:4px;margin-left:auto;flex-wrap:wrap}
.nav a{color:#c9d2e3;font-size:.86rem;padding:8px 11px;border-radius:999px;font-weight:500}
.nav a:hover,.nav a[aria-current]{background:rgba(255,255,255,.08);color:#fff;text-decoration:none}
.nav a.cta{background:var(--gold);color:#2a1c00;font-weight:700}
.nav a.cta:hover{background:var(--gold-2);color:#2a1c00}
.menu-btn{display:none}

/* ---------- hero ---------- */
.hero{position:relative;background:var(--navy) center/cover no-repeat;color:#eef2f8;overflow:hidden}
.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(105deg,rgba(9,14,26,.94) 0%,rgba(9,14,26,.82) 52%,rgba(9,14,26,.55) 100%)}
.hero-in{position:relative;z-index:2;padding:56px 0 44px;display:grid;grid-template-columns:1.35fr .65fr;gap:36px;align-items:center}
.hero .kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(232,180,74,.14);color:var(--gold-2);
  border:1px solid rgba(232,180,74,.3);padding:5px 12px;border-radius:999px;font-size:.75rem;
  letter-spacing:.06em;text-transform:uppercase;font-weight:600;margin-bottom:16px}
.hero h1{color:#fff;margin-bottom:14px}
.hero p.lead{font-size:1.06rem;color:#cfd8e6;max-width:60ch;margin-bottom:20px}
.hero-stats{display:grid;grid-template-columns:repeat(4,auto);gap:22px;justify-content:start;margin:22px 0 0;padding:0;list-style:none}
.hero-stats li{color:#9fb0c9;font-size:.8rem;text-transform:uppercase;letter-spacing:.05em}
.hero-stats b{display:block;font-family:var(--serif);font-size:1.5rem;color:#fff;letter-spacing:0;text-transform:none}
.hero-art{position:relative;border-radius:18px;overflow:hidden;box-shadow:0 18px 48px rgba(0,0,0,.45);border:1px solid rgba(255,255,255,.12)}
.hero-art img{aspect-ratio:16/9;object-fit:cover;width:100%}
.trust-bar{background:#0a1020;color:#8fa0b8;font-size:.8rem;border-top:1px solid rgba(255,255,255,.06)}
.trust-bar .wrap{display:flex;gap:22px;flex-wrap:wrap;padding:11px 20px}
.trust-bar span{display:inline-flex;align-items:center;gap:7px}
.trust-bar i{width:6px;height:6px;border-radius:50%;background:var(--good);display:inline-block}

/* ---------- layout ---------- */
main{padding:0 0 10px}
.page-head{margin-bottom:26px}
.page-head .meta{color:var(--muted);font-size:.84rem;display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.page-head .meta b{color:var(--ink-2)}
.breadcrumb{font-size:.8rem;color:var(--muted);margin:0 0 10px;padding:0;list-style:none;display:flex;gap:7px;flex-wrap:wrap}
.breadcrumb li:after{content:"›";margin-left:7px;color:#b6b0a3}
.breadcrumb li:last-child:after{content:""}
section.block{margin:0 0 34px}
.lead{font-size:1.08rem;color:#38405a}

/* ---------- cards ---------- */
.grid{display:grid;gap:14px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.card h3{margin:.1em 0 .35em}
.card p{font-size:.92rem;color:#4a5266;margin-bottom:.6em}

/* firm card */
.firm{position:relative;display:flex;flex-direction:column;gap:12px;background:var(--card);border:1px solid var(--line);
  border-radius:var(--radius);padding:16px;box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease}
.firm:hover{transform:translateY(-2px);box-shadow:0 10px 28px rgba(13,18,32,.1)}
.firm-top{display:flex;align-items:center;gap:12px}
.firm-logo{width:52px;height:52px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;
  place-items:center;overflow:hidden;flex:none;padding:5px}
.firm-logo img{width:100%;height:100%;object-fit:contain}
.firm-name{font-family:var(--serif);font-size:1.06rem;color:var(--ink);margin:0;line-height:1.2}
.firm-type{font-size:.72rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin:3px 0 0}
.firm-bonus{background:#0f1626;color:#fff;border-radius:10px;padding:10px 12px;display:flex;
  justify-content:space-between;align-items:center;gap:8px}
.firm-bonus b{font-family:var(--serif);font-size:1.12rem;color:var(--gold-2)}
.firm-bonus span{font-size:.72rem;color:#9fb0c9;text-transform:uppercase;letter-spacing:.04em}
.firm-code{font-size:.78rem;color:var(--muted)}
.firm-code code{background:#eee7d8;border:1px dashed #cdbf9f;border-radius:6px;padding:1px 6px;color:#4a3a17;font-weight:700}
.rating{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;color:var(--ink-2);font-weight:600}
.rating .stars{color:#d8961f;letter-spacing:1px}
.firm-actions{display:flex;gap:8px;margin-top:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;border-radius:10px;padding:10px 14px;
  font-weight:700;font-size:.88rem;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--gold);color:#2a1c00;flex:1}
.btn-primary:hover{background:var(--gold-2);text-decoration:none}
.btn-ghost{background:#fff;border-color:var(--line);color:var(--ink-2);flex:1}
.btn-ghost:hover{background:#f3efe6;text-decoration:none}
.tag{display:inline-block;font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;color:#5a4a22;
  background:#f1e6cc;border-radius:999px;padding:3px 9px;margin:0 4px 4px 0;font-weight:600}
.tag.new{background:#d9f2e5;color:#13603c}
.tag.hot{background:#fde7d6;color:#9a3412}

/* ranked list */
.rank{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.rank li{display:grid;grid-template-columns:52px 1fr auto;gap:14px;align-items:center;background:#fff;
  border:1px solid var(--line);border-radius:12px;padding:12px 14px;box-shadow:var(--shadow)}
.rank .no{font-family:var(--serif);font-size:1.35rem;color:#7d6f4d;text-align:center}
.rank .who{display:flex;align-items:center;gap:12px;min-width:0}
.rank .who img{width:40px;height:40px;border-radius:10px;background:#fff;border:1px solid var(--line);padding:4px;object-fit:contain}
.rank .who h3{font-size:1rem;margin:0}
.rank .who p{margin:2px 0 0;font-size:.8rem;color:var(--muted)}
.rank .act{display:flex;align-items:center;gap:10px}
.rank .act b{font-family:var(--serif);color:var(--ink);white-space:nowrap}
.rank .act small{display:block;color:var(--muted);font-size:.7rem;text-transform:uppercase;letter-spacing:.04em}

/* tables */
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:.92rem;min-width:520px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid #efe9dd;vertical-align:top}
th{background:#f2ece0;font-size:.76rem;text-transform:uppercase;letter-spacing:.05em;color:#5c5647;font-weight:700}
tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right}

/* callouts */
.note{border-left:4px solid var(--gold);background:#fdf7e8;padding:14px 16px;border-radius:0 12px 12px 0;margin:0 0 1.2em;font-size:.94rem}
.note.warn{border-color:var(--warn);background:#fdeee5}
.note.ok{border-color:var(--good);background:#e9f7f0}
.disclosure{font-size:.82rem;color:var(--muted);border-top:1px dashed var(--line);padding-top:12px;margin-top:22px}

/* testimonials */
.quotes{display:grid;gap:14px;grid-template-columns:repeat(2,1fr);margin:18px 0}
.quote{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;box-shadow:var(--shadow)}
.quote .who{display:flex;align-items:center;gap:10px;margin-bottom:9px}
.quote .avatar{width:34px;height:34px;border-radius:50%;background:#101a2e;color:var(--gold-2);
  display:grid;place-items:center;font-weight:700;font-size:.82rem;font-family:var(--serif)}
.quote .who b{font-size:.9rem;color:var(--ink)}
.quote .who span{display:block;font-size:.74rem;color:var(--muted)}
.quote p{margin:0;font-size:.92rem;color:#3c4457}
.quote .stars{color:#d8961f;font-size:.8rem;letter-spacing:1px;margin-top:8px;display:block}
.score-box{display:flex;align-items:center;gap:16px;background:#101a2e;color:#fff;border-radius:12px;padding:16px 18px;margin:0 0 16px}
.score-box .big{font-family:var(--serif);font-size:2.2rem;color:var(--gold-2);line-height:1}
.score-box p{margin:0;font-size:.82rem;color:#a9b8cd}

/* author */
.author-box{display:grid;grid-template-columns:74px 1fr;gap:16px;align-items:start;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:26px 0 0}
.author-box img{width:74px;height:74px;border-radius:50%;object-fit:cover}
.author-box h3{margin:0 0 4px;font-size:1.05rem}
.author-box .role{font-size:.8rem;color:var(--muted);margin:0 0 8px}
.author-box p{font-size:.9rem;margin:0}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin-bottom:10px}
details summary{cursor:pointer;font-weight:700;color:var(--ink);font-size:.98rem;list-style:none}
details summary::-webkit-details-marker{display:none}
details summary:after{content:"+";float:right;color:var(--gold);font-size:1.2rem;line-height:1}
details[open] summary:after{content:"–"}
details p{margin:10px 0 0;font-size:.94rem}

/* toc / chips */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 22px;padding:0;list-style:none}
.chips a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 13px;
  font-size:.82rem;color:var(--ink-2);font-weight:600}
.chips a:hover,.chips a.active{background:var(--gold);border-color:var(--gold);color:#2a1c00;text-decoration:none}

/* footer */
.site-foot{background:#0b1120;color:#94a3b8;margin-top:44px;padding:38px 0 26px;font-size:.87rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:26px}
.site-foot .fh{color:#fff;font-size:.76rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 10px;font-weight:700}
.site-foot a{color:#c3cddd;display:block;padding:3px 0}
.site-foot a:hover{color:var(--gold-2);text-decoration:none}
.site-foot .brand{color:#fff;margin-bottom:10px}
.age{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;
  border:2px solid var(--gold);color:var(--gold);font-weight:700;font-size:.86rem;margin-right:10px;vertical-align:middle}
.legal{border-top:1px solid rgba(255,255,255,.08);margin-top:24px;padding-top:16px;color:#7d8ba0;font-size:.78rem;
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}

/* misc */
.post-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.post-list li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.post-list a{font-weight:600;color:var(--ink)}
.post-list span{display:block;color:var(--muted);font-size:.8rem;margin-top:3px}
.center{text-align:center}
hr{border:0;border-top:1px solid var(--line);margin:26px 0}
.updated{font-size:.8rem;color:var(--muted);margin:18px 0 0}
.skip{position:absolute;left:-9999px}
@media(max-width:920px){
  .hero-in{grid-template-columns:1fr;padding:36px 0 30px}
  .hero-art{display:none}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav{display:none}
  .nav.open{display:flex;position:absolute;top:66px;left:0;right:0;background:#0d1220;padding:12px;
    flex-direction:column;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav.open a{padding:11px 14px}
  .menu-btn{display:inline-flex;margin-left:auto;background:transparent;border:1px solid rgba(255,255,255,.25);
    color:#fff;border-radius:8px;padding:8px 12px;font-size:.85rem;cursor:pointer}
}
@media(max-width:640px){
  body{font-size:16px}
  .grid-3,.grid-4{grid-template-columns:1fr}
  .quotes{grid-template-columns:1fr}
  .rank li{grid-template-columns:38px 1fr;row-gap:10px}
  .rank .act{grid-column:1/-1;justify-content:space-between}
  .foot-grid{grid-template-columns:1fr}
  .hero-stats{gap:18px}
}