*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --color-primary: #1a56db;
  --color-primary-dark: #1e429f;
  --color-text: #111827;
  --color-muted: #6b7280;
  --color-border: #e5e7eb;
  --color-bg: #ffffff;
  --color-bg-alt: #f9fafb;
  --color-disclosure: #fef3c7;
  --color-disclosure-border: #f59e0b;
  --radius: 8px;
  --shadow: 0 1px 3px rgba(0,0,0,.10), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,.07), 0 2px 4px rgba(0,0,0,.06);
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-bg);
}

a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; display: block; }

/* ── Disclosure Banner ── */
.disclosure-banner {
  background: var(--color-disclosure);
  border-bottom: 2px solid var(--color-disclosure-border);
  padding: 10px 20px;
  text-align: center;
  font-size: 13px;
  color: #78350f;
}
.disclosure-banner a { color: #92400e; font-weight: 600; }

/* ── Header ── */
header {
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 100;
}

.logo {
  font-size: 20px;
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -.3px;
}
.logo span { color: var(--color-text); }

nav { display: flex; gap: 24px; font-size: 14px; font-weight: 500; }
nav a { color: var(--color-muted); }
nav a:hover { color: var(--color-primary); text-decoration: none; }

/* ── Container ── */
.container { max-width: 1080px; margin: 0 auto; padding: 0 24px; }

/* ── Hero ── */
.hero {
  background: linear-gradient(135deg, #eff6ff 0%, #f0fdf4 100%);
  padding: 72px 24px 56px;
  text-align: center;
}
.hero h1 { font-size: clamp(28px, 5vw, 48px); font-weight: 800; line-height: 1.15; margin-bottom: 16px; }
.hero p { font-size: 18px; color: var(--color-muted); max-width: 560px; margin: 0 auto 32px; }

.badge {
  display: inline-block;
  background: #dcfce7;
  color: #166534;
  border: 1px solid #bbf7d0;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  padding: 4px 12px;
  margin-bottom: 16px;
  letter-spacing: .4px;
  text-transform: uppercase;
}

/* ── Section headings ── */
.section { padding: 56px 0; }
.section-alt { background: var(--color-bg-alt); }

h2.section-title {
  font-size: 26px;
  font-weight: 700;
  margin-bottom: 8px;
}
p.section-sub {
  color: var(--color-muted);
  margin-bottom: 36px;
  font-size: 15px;
}

/* ── Category Cards ── */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 20px;
}

.card {
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 24px 20px;
  box-shadow: var(--shadow);
  transition: box-shadow .15s, transform .15s;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.card-icon { font-size: 28px; margin-bottom: 12px; }
.card h3 { font-size: 16px; font-weight: 600; margin-bottom: 6px; }
.card p { font-size: 14px; color: var(--color-muted); }

/* ── How It Works ── */
.steps { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 28px; counter-reset: step; }
.step { position: relative; padding-left: 48px; }
.step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 0; top: 0;
  width: 32px; height: 32px;
  background: var(--color-primary);
  color: #fff;
  border-radius: 50%;
  font-weight: 700;
  font-size: 14px;
  display: flex; align-items: center; justify-content: center;
}
.step h3 { font-size: 15px; font-weight: 600; margin-bottom: 6px; }
.step p { font-size: 14px; color: var(--color-muted); }

/* ── Trust bar ── */
.trust-bar {
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  padding: 20px 24px;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 32px;
}
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--color-muted); font-weight: 500; }
.trust-item .icon { font-size: 18px; }

/* ── About / Editorial ── */
.editorial { max-width: 720px; }
.editorial h2 { font-size: 24px; font-weight: 700; margin-bottom: 16px; }
.editorial p { color: var(--color-muted); margin-bottom: 14px; font-size: 15px; }
.editorial ul { padding-left: 20px; color: var(--color-muted); font-size: 15px; }
.editorial ul li { margin-bottom: 8px; }

/* ── Footer ── */
footer {
  background: #1f2937;
  color: #9ca3af;
  padding: 40px 24px 28px;
  font-size: 13px;
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 28px;
  margin-bottom: 32px;
}
.footer-col h4 { color: #f9fafb; font-size: 14px; font-weight: 600; margin-bottom: 12px; }
.footer-col a { display: block; color: #9ca3af; margin-bottom: 8px; }
.footer-col a:hover { color: #f9fafb; text-decoration: none; }
.footer-bottom {
  border-top: 1px solid #374151;
  padding-top: 20px;
  text-align: center;
}
.footer-bottom p { margin-bottom: 6px; }
.footer-disclosure {
  max-width: 680px;
  margin: 12px auto 0;
  font-size: 12px;
  color: #6b7280;
  line-height: 1.5;
}

/* ── Inline disclosure box ── */
.disclosure-box {
  background: var(--color-bg-alt);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-primary);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size: 14px;
  color: var(--color-muted);
  margin: 40px 0 0;
}
.disclosure-box strong { color: var(--color-text); }

/* ── Full footer disclosure block ── */
.footer-full-disclosure {
  border-top: 1px solid #374151;
  padding: 24px 0 20px;
  margin-top: 8px;
}
.footer-full-disclosure h4 {
  color: #d1d5db;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .4px;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.footer-full-disclosure p {
  font-size: 12px;
  color: #6b7280;
  line-height: 1.65;
  margin-bottom: 10px;
  max-width: 860px;
}
.footer-full-disclosure p:last-child { margin-bottom: 0; }

/* ── Responsive ── */
@media (max-width: 640px) {
  nav { display: none; }
  .hero { padding: 48px 20px 40px; }
  .section { padding: 40px 0; }
}