:root{
  --navy:#0B1220;--navy-2:#141C2E;--gold:#FFCB05;--gold-2:#FFD93B;
  --gold-text:#8A6A00;
  --green:#00C16A;--danger:#E63946;--light:#F5F7FA;--muted:#8A93A6;
  --border:#E4E8F0;--text:#0B1220;--radius:14px;--muted-on-white:#6B7280;
  --shadow:0 8px 30px rgba(11,18,32,.08);
  --font:'Manrope',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:#fff;line-height:1.65;font-size:16px;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
main p a:not([class]),main li a:not([class]),main td a:not([class]){color:#0A4FB0;text-decoration:underline;text-decoration-color:rgba(10,79,176,.4);text-underline-offset:2px;font-weight:600;transition:color .15s,text-decoration-color .15s}
main p a:not([class]):hover,main li a:not([class]):hover,main td a:not([class]):hover{color:#0B1220;text-decoration-color:#FFCB05;text-decoration-thickness:2px}
section.hero p a:not([class]),section[class*="hero"] p a:not([class]){color:#FFCB05;text-decoration-color:rgba(255,203,5,.5)}
section.hero p a:not([class]):hover,section[class*="hero"] p a:not([class]):hover{color:#fff;text-decoration-color:#FFCB05}
a:hover{color:var(--gold-text)}
/* Gold accent text safe for white bg — WCAG AA contrast */
.gold-accent{color:var(--gold-text);font-weight:700}
/* Byline block */
.byline{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-size:13px;color:var(--muted-on-white);margin:8px 0 18px;padding:8px 12px;background:#F5F7FA;border-left:3px solid var(--gold);border-radius:0 8px 8px 0}
.byline strong{color:var(--navy);font-weight:700}
.byline a{color:var(--navy);text-decoration:underline}
.byline time{color:var(--muted-on-white)}
/* Sources list */
.sources{background:#F5F7FA;border:1px solid var(--border);border-radius:10px;padding:16px 18px;margin:22px 0;font-size:14px}
.sources h3{font-size:16px;margin:0 0 8px}
.sources ul{margin:0 0 0 20px}
.sources li{margin-bottom:4px}
/* aria-current nav active */
.nav a[aria-current="page"]{color:var(--gold);border-bottom:2px solid var(--gold)}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 18px}
h1,h2,h3,h4{font-weight:800;line-height:1.2;color:var(--navy);letter-spacing:-.01em;overflow-wrap:break-word;word-break:break-word}
h1{font-size:clamp(28px,6vw,46px);margin-bottom:18px}
h2{font-size:clamp(22px,4.5vw,34px);margin:32px 0 16px}
h3{font-size:clamp(18px,3.6vw,22px);margin:22px 0 10px}
p{margin-bottom:14px}
main p{margin-bottom:16px}
main h2{margin-top:40px}
main h3{margin-top:24px}
main h2:first-of-type{margin-top:24px}
ul,ol{margin:0 0 16px 22px}
li{margin-bottom:6px}

/* HEADER */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;border-bottom:2px solid var(--gold)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:10px;padding-top:10px;padding-bottom:10px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-weight:800;font-size:18px}
.logo img{width:88px;height:88px;border-radius:12px;display:block;object-fit:cover;background:transparent;padding:0}
@media (max-width:480px){.logo img{width:72px;height:72px}}
.nav{display:flex;gap:18px;align-items:center}
.nav a{color:#fff;font-size:14px;font-weight:600}
.nav a:hover{color:var(--gold)}
.btn{display:inline-block;padding:12px 18px;border-radius:10px;font-weight:800;text-align:center;transition:.2s;font-size:15px;border:none;cursor:pointer}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:var(--gold-2);color:var(--navy);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:2px solid var(--gold)}
.btn-block{display:block;width:100%}
.burger{display:none;background:none;border:none;color:#fff;font-size:26px;cursor:pointer}
.cta-header{display:inline-block}

@media (max-width:880px){
  .nav{position:fixed;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;gap:0;padding:14px 18px 80px;transform:translateY(-120%);transition:.25s;border-top:1px solid #1d2740;max-height:calc(100vh - 64px);overflow-y:auto}
  .nav.open{transform:translateY(0)}
  .nav a{padding:12px 0;border-bottom:1px solid #1d2740;width:100%}
  .burger{display:block}
  .cta-header{display:none}
}

/* MOBILE STICKY BOTTOM CTA */
.mobile-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 14px;background:rgba(11,18,32,.96);border-top:2px solid var(--gold);backdrop-filter:blur(6px)}
.mobile-cta .btn{width:100%}
@media (max-width:880px){.mobile-cta{display:block}body{padding-bottom:74px}}

/* HERO variants */
.hero{padding:48px 0;background:linear-gradient(135deg,var(--navy) 0%,#1A2540 100%);color:#fff}
.hero h1{color:#fff}
.hero p.lead{font-size:18px;color:#cfd6e6;margin-bottom:22px;max-width:680px}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:24px}
.hero-stat{background:rgba(255,255,255,.06);border:1px solid rgba(255,203,5,.25);border-radius:12px;padding:14px;text-align:center}
.hero-stat b{display:block;color:var(--gold);font-size:22px}
.hero-stat span{font-size:12px;color:#cfd6e6}
@media(max-width:780px){.hero-grid{grid-template-columns:1fr}}

.hero-alt{background:radial-gradient(circle at 80% 20%,#1f2c4d 0,var(--navy) 60%);padding:60px 0}
.hero-split{background:#fff;color:var(--navy);padding:40px 0;border-bottom:4px solid var(--gold)}
.hero-split h1{color:var(--navy)}
.hero-banner{background:linear-gradient(90deg,var(--gold) 0%,#FFAA00 100%);color:var(--navy);padding:36px 0;text-align:center}
.hero-banner h1{color:var(--navy)}
.hero-photo{display:block;width:100%;max-width:100%;height:auto;border-radius:14px;box-shadow:0 12px 32px rgba(11,18,32,.35);margin:20px 0 8px;object-fit:cover}
.hero-photo-wrap{margin-top:18px}
/* Hero background-image delivery (replaces inline <img class="hero-photo">) */
.hero[style*="--hero-bg"],.hero-alt[style*="--hero-bg"],.hero-split[style*="--hero-bg"],.hero-banner[style*="--hero-bg"]{background-image:linear-gradient(90deg,rgba(11,18,32,.88) 0%,rgba(11,18,32,.55) 50%,rgba(11,18,32,.15) 100%),var(--hero-bg);background-size:cover;background-position:right center;background-repeat:no-repeat;min-height:520px;padding:clamp(56px,8vw,104px) clamp(16px,4vw,32px);color:#fff}
.hero[style*="--hero-bg"] h1,.hero-alt[style*="--hero-bg"] h1,.hero-split[style*="--hero-bg"] h1,.hero-banner[style*="--hero-bg"] h1,.hero[style*="--hero-bg"] .lead,.hero-alt[style*="--hero-bg"] .lead,.hero-split[style*="--hero-bg"] .lead,.hero-banner[style*="--hero-bg"] .lead,.hero[style*="--hero-bg"] p.lead,.hero-alt[style*="--hero-bg"] p.lead,.hero-split[style*="--hero-bg"] p.lead,.hero-banner[style*="--hero-bg"] p.lead{color:#fff;text-shadow:0 2px 14px rgba(0,0,0,.5)}
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
@media (max-width:780px){.hero[style*="--hero-bg"],.hero-alt[style*="--hero-bg"],.hero-split[style*="--hero-bg"],.hero-banner[style*="--hero-bg"]{background-image:linear-gradient(180deg,rgba(11,18,32,.55) 0%,rgba(11,18,32,.75) 70%,rgba(11,18,32,.9) 100%),var(--hero-bg);background-position:center top;min-height:380px}}
.card-photo{display:block;width:100%;max-width:100%;height:auto;border-radius:12px;box-shadow:0 6px 18px rgba(11,18,32,.18);margin-bottom:12px;object-fit:cover}

/* SECTIONS */
section{padding:36px 0}
.section-light{background:var(--light)}
.section-dark{background:var(--navy);color:#fff}
.section-dark h2,.section-dark h3{color:#fff}
.section-gold{background:linear-gradient(180deg,#FFFBEA 0%,#fff 100%)}

/* CARDS */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;align-items:stretch}
.card{display:flex;flex-direction:column;min-height:220px;padding:22px;background:#fff;border-radius:14px;border:1px solid #E5E9F0;border-left:4px solid var(--gold,#FFCB05);box-shadow:0 2px 6px rgba(7,13,24,.04);transition:transform .2s ease, box-shadow .2s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 8px 20px rgba(7,13,24,.1)}
.card h3{margin:8px 0 10px}
.card p{flex:1}
.card a{margin-top:auto;font-weight:600;color:var(--navy,#0a1a3a)}
.card .icon{width:42px;height:42px;border-radius:10px;background:var(--gold);color:var(--navy);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin-bottom:8px}

/* TABLES */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:12px;border:1px solid #E5E9F0;margin:18px 0}
.table-wrap table{width:100%;border-collapse:collapse;min-width:480px;font-size:14px}
.table-wrap th{background:var(--navy,#0a1a3a);color:var(--gold,#FFCB05);padding:10px 12px;text-align:left;font-weight:700}
.table-wrap td{padding:10px 12px;border-top:1px solid #E5E9F0}
.table-wrap tr:nth-child(even) td{background:#FAFBFC}
table{width:100%;border-collapse:collapse;min-width:520px;background:#fff}
table th,table td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--border);font-size:14px}
table th{font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.t-dark th{background:var(--navy);color:#fff;border-bottom:none}
.t-zebra tbody tr:nth-child(even){background:#FFFBEA}
.t-zebra th{background:var(--gold);color:var(--navy)}
.t-compact th,.t-compact td{padding:8px 10px;font-size:13px}
.t-compact{border:none}
.t-compact th{border-bottom:2px solid var(--navy)}
.t-ranked td:first-child{font-weight:800;color:var(--gold);background:var(--navy);color:var(--gold);width:48px;text-align:center}
.t-split th:nth-child(2){background:#FFFBEA;color:var(--navy)}
.t-split th:nth-child(3){background:#E6FAF1;color:var(--navy)}
.t-dual th{background:#F5F7FA;color:var(--navy)}
.t-dual tr td:first-child{font-weight:700;background:#FAFBFD}

/* CHARTS */
.chart-box{background:#fff;border:1px solid #E5E9F0;border-radius:14px;padding:18px;box-shadow:0 2px 6px rgba(7,13,24,.05);margin:20px 0}
.chart-box h4{margin:0 0 12px;font-size:15px;color:var(--navy,#0a1a3a);font-weight:700}
.chart-box svg{width:100%;height:auto;display:block;max-height:300px}
.hero-grid .chart-box{background:rgba(255,255,255,.06);border:1px solid rgba(255,203,5,.4)}
.hero-grid .chart-box h4{color:#fff}

/* FAQ */
.faq{margin:18px 0}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:10px;overflow:hidden}
.faq-q{width:100%;text-align:left;padding:14px 16px;background:#fff;border:1px solid #E5E9F0;border-left:3px solid transparent;color:var(--navy,#0a1a3a);font-weight:600;cursor:pointer;border-radius:8px;margin-top:8px;min-height:44px;user-select:none}
.faq-q[aria-expanded="true"]{border-left-color:var(--gold,#FFCB05)}
.faq-q:focus-visible{outline:3px solid var(--gold);outline-offset:-3px}
.faq-q:hover{background:#FFFBEA}
.faq-q::after{content:"+";float:right;transition:transform .2s;font-size:22px;color:var(--gold);font-weight:800}
.faq-q[aria-expanded="true"]::after{content:"−"}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{padding:0 18px;max-height:0;overflow:hidden;transition:.3s;font-size:14px;color:#3a4358}
.faq-item.open .faq-a{padding:0 18px 18px;max-height:600px}

/* TABS */
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:16px;border-bottom:2px solid var(--border)}
.tab{padding:10px 16px;cursor:pointer;font-weight:700;font-size:14px;border-radius:8px 8px 0 0;background:#F5F7FA;color:var(--navy);min-height:44px;display:inline-flex;align-items:center}
.tab:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.tab.active{background:var(--navy);color:var(--gold)}
.tab-pane{display:none}
.tab-pane.active{display:block}

/* AUTHOR BOX */
.author-box{display:flex;gap:16px;background:linear-gradient(135deg,#FFFBEA 0%,#fff 100%);border:1px solid var(--gold);border-radius:var(--radius);padding:20px;margin:24px 0;align-items:center}
.author-box img,.author-box svg{width:78px;height:78px;border-radius:50%;background:var(--navy);flex-shrink:0}
.author-box h4{margin:0 0 4px}
.author-box .role{font-size:13px;color:var(--muted-on-white);margin-bottom:6px}
.author-box p{margin:0;font-size:14px}

/* BREADCRUMB */
.breadcrumb{font-size:13px;color:var(--muted-on-white);padding:14px 0}
.breadcrumb a{color:var(--muted-on-white)}
.breadcrumb a:hover{color:var(--gold)}

/* CTA BAND */
.cta-band{background:linear-gradient(90deg,var(--navy) 0%,#1A2540 100%);color:#fff;padding:36px 0;text-align:center;border-top:3px solid var(--gold);border-bottom:3px solid var(--gold)}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#cfd6e6;max-width:620px;margin:0 auto 18px}

/* CALLOUTS */
.callout{border-left:4px solid var(--gold);background:#FFFBEA;padding:14px 16px;border-radius:0 10px 10px 0;margin:18px 0}
.callout.green{border-color:var(--green);background:#E6FAF1}
.callout.red{border-color:var(--danger);background:#FDEBED}

/* STEPS */
.steps{counter-reset:s;list-style:none;margin:0;padding:0}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px 16px 16px 64px;margin-bottom:12px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:14px;top:14px;width:36px;height:36px;background:var(--gold);color:var(--navy);border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px}

/* PROS CONS */
.pc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:18px 0}
.pc-grid .pc{padding:18px;border-radius:12px}
.pc-grid .pros{background:#E6FAF1;border:1px solid var(--green)}
.pc-grid .cons{background:#FDEBED;border:1px solid var(--danger)}
.pc-grid h4{margin-bottom:8px}
.pc-grid ul{margin-left:18px}
@media(max-width:600px){.pc-grid{grid-template-columns:1fr}}

/* TIMELINE */
.timeline{border-left:3px solid var(--gold);padding-left:20px;margin:20px 0}
.timeline-item{margin-bottom:18px;position:relative}
.timeline-item::before{content:"";position:absolute;left:-28px;top:6px;width:14px;height:14px;background:var(--gold);border-radius:50%;border:3px solid var(--navy)}
.timeline-item b{display:block;color:var(--navy)}

/* FOOTER */
.site-footer{background:#070d18;color:#cfd6e6;padding:48px 0 0;margin-top:60px}
.footer-brand-block{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;padding-bottom:24px;border-bottom:1px solid rgba(255,203,5,.2)}
.footer-brand-block .fb-logo{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:20px}
.footer-brand-block .fb-logo img{height:32px;width:auto}
.footer-brand-block .fb-tag{font-size:14px;color:#cfd6e6}
.footer-brand-block .fb-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.fb-badge{background:#ffcb05;color:#070d18;font-weight:800;padding:4px 8px;border-radius:6px;font-size:12px}
.fb-pay{display:flex;gap:8px;align-items:center;font-size:12px;color:#9aa6bd}
.footer-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;padding:28px 0}
.footer-cols h5{color:var(--gold,#ffcb05);text-transform:uppercase;letter-spacing:.08em;font-size:13px;margin:0 0 12px}
.footer-cols ul{list-style:none;padding:0;margin:0}
.footer-cols li{margin:0 0 8px}
.footer-cols a{color:#cfd6e6;text-decoration:none;font-size:14px;transition:color .15s}
.footer-cols a:hover{color:var(--gold,#ffcb05)}
.footer-bottom{border-top:1px solid rgba(255,203,5,.15);padding:18px 0;display:grid;grid-template-columns:1fr 2fr 1fr;align-items:center;gap:16px;font-size:12px;color:#9aa6bd}
.footer-bottom .fb-center{text-align:center}
.footer-bottom .fb-right{text-align:right}
@media(max-width:760px){.footer-brand-block{grid-template-columns:1fr;text-align:center}.footer-cols{grid-template-columns:1fr;gap:20px}.footer-bottom{grid-template-columns:1fr;text-align:center}.footer-bottom .fb-right,.footer-bottom .fb-center{text-align:center}}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;margin-bottom:24px}
.footer-grid h5{color:var(--gold);margin-bottom:12px;font-size:14px;text-transform:uppercase;letter-spacing:.06em}
.footer-grid a{color:#cfd6e6;font-size:14px;display:block;padding:4px 0}
.footer-grid a:hover{color:var(--gold)}
.disclaimer{background:#1A2540;color:#cfd6e6;font-size:12px;padding:12px;border-radius:8px;margin-top:16px;text-align:center}

/* UTIL */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media(max-width:780px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.text-center{text-align:center}
.mt-0{margin-top:0}
.mb-0{margin-bottom:0}
.lead{font-size:18px;color:#3a4358}
.tag{display:inline-block;background:var(--gold);color:var(--navy);padding:3px 10px;border-radius:20px;font-size:12px;font-weight:800;margin-right:6px}
.tag-dark{background:var(--navy);color:var(--gold)}
.badge-18{display:inline-block;background:var(--danger);color:#fff;border-radius:50%;width:28px;height:28px;text-align:center;line-height:28px;font-weight:800;font-size:13px}

/* A11Y */
.skip-link{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden;z-index:100}
.skip-link:focus{position:fixed;left:8px;top:8px;width:auto;height:auto;padding:10px 14px;background:var(--gold);color:var(--navy);font-weight:800;border-radius:8px;box-shadow:0 4px 16px rgba(0,0,0,.3)}
a:focus-visible,button:focus-visible,.btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.burger{min-width:44px;min-height:44px}
.btn{min-height:44px}
@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important}
  .btn-primary:hover{transform:none}
  .card:hover{transform:none}
}
.nav a{min-height:44px;display:flex;align-items:center}
@media(min-width:881px){.nav a{min-height:auto;display:inline-block}}

/* === Header/Footer refresh === */
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.site-header .logo{display:inline-flex;align-items:center;text-decoration:none}
.site-header .logo-svg{display:block;height:30px;width:auto}
.site-header .nav{display:flex;flex-wrap:wrap;gap:18px;align-items:center}
.site-header .nav a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;min-height:44px;display:inline-flex;align-items:center}
.site-header .nav a:hover{color:#FFCB05}
.header-right{display:flex;align-items:center;gap:12px}
.age-badge{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:#E63946;color:#fff;font-weight:800;font-size:12px;border:2px solid #fff}
.cta-header{background:#FFCB05;color:#0B1220!important;padding:10px 16px;border-radius:8px;font-weight:800;text-decoration:none;min-height:44px;display:inline-flex;align-items:center}
.cta-header:hover{background:#ffd633}
.burger{display:none;background:transparent;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;gap:5px;align-items:center;justify-content:center}
.burger span{display:block;width:24px;height:3px;background:#FFCB05;border-radius:2px}
@media (max-width:1024px){
  .site-header .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#0B1220;flex-direction:column;padding:16px;gap:8px;z-index:100;border-top:1px solid #1A2540}
  .site-header .nav.open{display:flex}
  .site-header .nav a{width:100%;padding:10px 6px;border-bottom:1px solid #1A2540}
  .burger{display:inline-flex}
  .site-header{position:relative}
  .cta-header{padding:8px 12px;font-size:13px}
}
@media (max-width:520px){
  .cta-header{display:none}
}
.mobile-cta{display:none}
@media (max-width:768px){
  .mobile-cta{display:block;position:fixed;left:0;right:0;bottom:0;background:rgba(11,18,32,.96);padding:10px 14px;z-index:90;border-top:1px solid #FFCB05}
  .mobile-cta .btn{display:block;text-align:center;width:100%}
  body{padding-bottom:68px}
}
.footer-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;padding:32px 0}
.footer-grid-3 h5{color:#FFCB05;margin-bottom:12px;font-size:15px}
.footer-grid-3 a{display:block;color:#cfd6e6;text-decoration:none;padding:5px 0;font-size:14px;min-height:30px}
.footer-grid-3 a:hover{color:#FFCB05}
.footer-pay{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;padding:16px 0;border-top:1px solid #1A2540}
.footer-copy{text-align:center;color:#8893a8;font-size:13px;padding:16px 0;border-top:1px solid #1A2540}
@media (max-width:768px){.footer-grid-3{grid-template-columns:1fr;gap:20px}}