:root {
  --ink: #1d2a33;
  --ink-soft: #4a5a66;
  --bg: #fbfaf7;
  --surface: #ffffff;
  --line: #e4e0d8;
  --brand: #1f5f5b;
  --brand-dark: #164744;
  --brand-tint: #e6f0ee;
  --accent: #c8792e;
  --radius: 12px;
  --max: 1080px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: Georgia, "Iowan Old Style", "Times New Roman", serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 18px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { color: var(--brand-dark); }
h1, h2, h3 { font-family: var(--serif); line-height: 1.2; color: var(--ink); font-weight: 600; }
h1 { font-size: clamp(2.1rem, 5vw, 3.2rem); margin: 0 0 .5em; letter-spacing: -.01em; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.1rem); margin: 0 0 .6em; }
h3 { font-size: 1.25rem; margin: 1.6em 0 .4em; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.narrow { max-width: 760px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: rgba(251, 250, 247, .94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 66px; gap: 16px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-mark { width: 36px; height: 36px; flex: none; }
.logo-text { font-family: var(--serif); font-weight: 700; font-size: 1.2rem; color: var(--ink); letter-spacing: -.015em; }
.logo-text span { color: var(--brand); }
@media (max-width: 400px) { .logo-text { font-size: 1.05rem; } .logo-mark { width: 32px; height: 32px; } }
.nav { display: flex; align-items: center; gap: 22px; font-size: .95rem; }
.nav a { color: var(--ink-soft); text-decoration: none; }
.nav a:hover { color: var(--ink); }
.nav .btn { color: #fff; }
@media (max-width: 760px) { .nav a:not(.btn) { display: none; } }

/* Buttons */
.btn {
  display: inline-block; background: var(--brand); color: #fff; text-decoration: none;
  padding: 14px 24px; border-radius: 999px; font-weight: 600; font-size: 1rem; line-height: 1.2;
  transition: background .15s, transform .15s;
}
.btn:hover { background: var(--brand-dark); color: #fff; transform: translateY(-1px); }
.btn-sm { padding: 10px 18px; font-size: .92rem; }
.btn-ghost { background: transparent; color: var(--brand); border: 1.5px solid var(--brand); }
.btn-ghost:hover { background: var(--brand-tint); color: var(--brand-dark); }

/* Hero */
.hero { padding: 72px 0 64px; background: linear-gradient(180deg, var(--brand-tint) 0%, var(--bg) 100%); }
.hero .eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 700; color: var(--brand); margin-bottom: 14px; }
.hero p.lede { font-size: 1.2rem; color: var(--ink-soft); max-width: 640px; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; margin-top: 28px; }
.hero .facts { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 34px; padding: 0; list-style: none; font-size: .95rem; color: var(--ink-soft); }
.hero .facts li::before { content: "\2713"; color: var(--brand); font-weight: 700; margin-right: 8px; }

/* Sections */
section { padding: 64px 0; }
section.alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-intro { color: var(--ink-soft); max-width: 680px; }

.checklist { list-style: none; padding: 0; margin: 0 0 1.2em; }
.checklist li { position: relative; padding-left: 34px; margin-bottom: 12px; }
.checklist li::before {
  content: "\2713"; position: absolute; left: 0; top: 2px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--brand-tint); color: var(--brand); font-size: .8rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
@media (max-width: 900px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid-4, .grid-2 { grid-template-columns: 1fr; } }

.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.alt .card { background: var(--bg); }
.card h3 { margin-top: 0; font-size: 1.12rem; }
.card p { font-size: .97rem; color: var(--ink-soft); margin: 0; }
.card .tag { display: inline-block; font-size: .75rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; padding: 3px 10px; border-radius: 999px; margin-bottom: 10px; }
.tag-approved { background: var(--brand-tint); color: var(--brand-dark); }
.tag-offlabel { background: #f6ebdd; color: #8a4f17; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li { counter-increment: step; position: relative; padding: 0 0 0 64px; margin-bottom: 26px; }
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: 0; width: 42px; height: 42px; border-radius: 50%;
  background: var(--brand); color: #fff; font-family: var(--serif); font-weight: 700; font-size: 1.15rem;
  display: flex; align-items: center; justify-content: center;
}
.steps strong { display: block; font-size: 1.05rem; }
.steps span { color: var(--ink-soft); font-size: .97rem; }

/* Pricing */
.price-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; max-width: 640px; }
@media (max-width: 600px) { .price-cards { grid-template-columns: 1fr; } }
.price-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; }
.price-card .amount { font-family: var(--serif); font-size: 2.6rem; font-weight: 700; color: var(--brand); line-height: 1; margin: 6px 0 8px; }
.price-card .label { font-weight: 600; }
.price-card .meta { color: var(--ink-soft); font-size: .95rem; }
.fine { color: var(--ink-soft); font-size: .95rem; margin-top: 18px; max-width: 680px; }

/* Notice box */
.notice { background: #fff8ef; border: 1px solid #efd9bd; border-radius: var(--radius); padding: 24px 26px; }
.notice ul { margin: 0; padding-left: 20px; }
.notice li { margin-bottom: 8px; }

/* Provider */
.provider { display: grid; grid-template-columns: 96px 1fr; gap: 22px; align-items: start; }
.avatar {
  width: 96px; height: 96px; border-radius: 50%; background: var(--brand); color: #fff;
  font-family: var(--serif); font-size: 2rem; font-weight: 700; display: flex; align-items: center; justify-content: center;
}

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--brand); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 12px 0 0; color: var(--ink-soft); }

/* CTA band */
.cta-band { background: var(--brand); color: #fff; text-align: center; padding: 60px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d8e8e5; max-width: 600px; margin: 0 auto 26px; }
.cta-band .btn { background: #fff; color: var(--brand-dark); }
.cta-band .btn:hover { background: var(--brand-tint); }

/* Article pages */
.page-head { padding: 56px 0 30px; background: linear-gradient(180deg, var(--brand-tint) 0%, var(--bg) 100%); }
.byline { font-size: .92rem; color: var(--ink-soft); }
.byline strong { color: var(--ink); }
.article { padding: 20px 0 60px; }
.article h2 { margin-top: 1.6em; }
.article ul { padding-left: 22px; }
.article li { margin-bottom: 6px; }
.suits { background: var(--brand-tint); border-radius: 10px; padding: 12px 16px; font-size: .97rem; }

.table-scroll { overflow-x: auto; margin: 10px 0 24px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
table.compare { border-collapse: collapse; width: 100%; min-width: 820px; font-size: .93rem; }
table.compare th, table.compare td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
table.compare thead th { background: var(--brand); color: #fff; font-weight: 600; }
table.compare thead th:first-child { background: var(--brand-dark); }
table.compare tbody th { background: #f4f2ed; font-weight: 600; }
table.compare th:first-child { position: sticky; left: 0; z-index: 1; width: 170px; min-width: 170px; }
@media (max-width: 700px) {
  table.compare { min-width: 760px; font-size: .88rem; }
  table.compare th:first-child { width: 110px; min-width: 110px; box-shadow: 2px 0 4px rgba(0,0,0,.06); }
  table.compare th, table.compare td { padding: 12px; }
}
table.compare tr:last-child td, table.compare tr:last-child th { border-bottom: 0; }
table.compare small { color: var(--ink-soft); }

.toc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; font-size: .95rem; }
.toc ol { margin: 6px 0 0; padding-left: 20px; }

.sources { font-size: .9rem; color: var(--ink-soft); }
.sources li { margin-bottom: 4px; }

/* Footer */
.site-footer { background: #17242b; color: #b9c6cc; font-size: .9rem; padding: 46px 0 34px; }
.site-footer a { color: #e4ecef; }
.site-footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 28px; margin-bottom: 26px; }
@media (max-width: 700px) { .site-footer .cols { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin: 0 0 10px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 6px; }
.crisis { background: #24343c; border-radius: 10px; padding: 14px 18px; color: #fff; margin-bottom: 22px; }
.disclosure { border-top: 1px solid #2c3c44; padding-top: 18px; font-size: .84rem; line-height: 1.6; }