:root {
  --bg: #090f1d;
  --bg-soft: #121b33;
  --card: #162341;
  --card-alt: #1a2b4f;
  --text: #eef3ff;
  --muted: #b8c5e6;
  --gold: #f4c45f;
  --gold-strong: #d49a31;
  --blue: #59c8ff;
  --blue-strong: #149fea;
  --success: #2bc78d;
  --danger: #ff7f87;
  --border: #2b3e6a;
  --shadow: 0 12px 30px rgba(0,0,0,.28);
  --radius: 14px;
  --container: 1140px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--text);
  font-family: "Segoe UI", Roboto, Arial, sans-serif;
  background: linear-gradient(180deg, #09101f 0%, #0d1732 100%);
  line-height: 1.65;
  -webkit-tap-highlight-color: rgba(89,200,255,.24);
}
a { color: var(--blue); text-decoration: none; }
a:hover,a:focus-visible { color: #93e2ff; }
img { display: block; max-width: 100%; height: auto; border-radius: 10px; }
.container { width: min(100% - 2rem, var(--container)); margin-inline: auto; }
.skip-link { position: absolute; left: -999px; }
.skip-link:focus { left: 1rem; top: 1rem; z-index: 200; background:#fff; color:#000; padding:.45rem .7rem; border-radius:8px; }
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 140;
  background: rgba(8,14,28,.94);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(8px);
}
.nav-wrap {
  min-height: 72px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 1rem;
}
.logo { font-weight: 800; color: var(--text); letter-spacing:.2px; }
.nav-toggle {
  border:1px solid var(--border);
  border-radius:10px;
  background:var(--card);
  color:var(--text);
  padding:.45rem .75rem;
  cursor:pointer;
}
.site-nav { display:none; width:100%; }
.site-nav.open { display:block; }
.nav-list { list-style:none; margin:0; padding:0 0 .9rem; display:grid; gap:.5rem; }
.nav-list a { color:var(--muted); font-weight:600; }
.nav-list a.active,.nav-list a:hover,.nav-list a:focus-visible { color:var(--text); }

main { padding-bottom: 5.8rem; }
.breadcrumb { margin: 1rem 0; color: var(--muted); font-size: .92rem; }
.breadcrumb a { color: var(--muted); }
.hero {
  background: radial-gradient(circle at top right, rgba(89,200,255,.16), transparent 45%), var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem;
  box-shadow: var(--shadow);
}
.hero h1 { margin: 0 0 .6rem; line-height:1.2; font-size: clamp(1.55rem, 3.9vw, 2.35rem); }
.hero p { color: var(--muted); }
.hero-media { margin: .9rem 0; }
.hero-cta-note { margin-top: 0.65rem; font-size: 0.9rem; }
.cluster-cta-note { margin-top: 0.5rem; }

.section {
  margin-top: 1.15rem;
  border:1px solid var(--border);
  border-radius: var(--radius);
  background: var(--bg-soft);
  padding: 1.05rem;
}
.section h2 { margin:0 0 .55rem; line-height:1.3; }
.section h3 { margin:0 0 .45rem; line-height:1.35; }
.muted { color: var(--muted); }
.lead { font-size: 1.04rem; color: var(--muted); }

.grid { display:grid; gap:.9rem; }
.grid-2,.grid-3,.grid-4 { grid-template-columns: 1fr; }
.card {
  border:1px solid var(--border);
  border-radius: 12px;
  background: var(--card);
  padding: .95rem;
}
.card-alt { background: var(--card-alt); }
.money-card {
  position: relative;
  border-color: #3c548b;
  background: linear-gradient(180deg, rgba(28,45,82,.96), rgba(18,30,56,.96));
  box-shadow: 0 10px 22px rgba(0,0,0,.22);
}
.money-card:hover {
  border-color: #4c68a3;
  box-shadow: 0 14px 30px rgba(0,0,0,.30);
}
.pick-label {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  padding: .25rem .58rem;
  background: #183057;
  border: 1px solid #3d5b95;
  color: #d8e9ff;
  font-size: .78rem;
  font-weight: 700;
  margin-bottom: .45rem;
}
.score-pill {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  border: 1px solid #4467a8;
  background: #10203f;
  color: #d3e6ff;
  font-size: .8rem;
  font-weight: 700;
  padding: .25rem .55rem;
}
.trust-chip {
  display: inline-flex;
  align-items: center;
  border-radius: 999px;
  border: 1px solid #3d5f98;
  background: #0f1d39;
  color: #c6d9ff;
  font-size: .76rem;
  padding: .24rem .52rem;
}
.money-card p {
  margin: .45rem 0;
}
.money-card ul {
  margin: .45rem 0 .2rem;
  padding-left: 1rem;
}

.stat-badges { display:flex; flex-wrap:wrap; gap:.55rem; margin-top:.75rem; }
.stat-badge {
  border:1px solid var(--border);
  border-radius:999px;
  padding:.38rem .68rem;
  background:#101936;
  color:var(--muted);
  font-size:.88rem;
}
.stats-grid { display:grid; gap:.75rem; grid-template-columns: repeat(2,minmax(0,1fr)); }
.stat-card {
  border:1px solid var(--border);
  border-radius:12px;
  background: var(--card-alt);
  padding: .82rem;
}
.stat-value { font-size:1.15rem; font-weight:800; }

.button-row { display:flex; flex-wrap:wrap; gap:.65rem; margin-top:.8rem; }
.btn {
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border-radius:10px;
  border:1px solid transparent;
  min-height: 46px;
  padding:.62rem .98rem;
  font-weight:700;
  line-height:1.2;
}
.btn-primary { color:#1d1200; background: linear-gradient(180deg, var(--gold), var(--gold-strong)); }
.btn-primary:hover,.btn-primary:focus-visible { color:#1d1200; filter:brightness(1.04); }
.btn-cta { color:#001526; background: linear-gradient(180deg, var(--blue), var(--blue-strong)); }
.btn-cta:hover,.btn-cta:focus-visible { color:#001526; filter:brightness(1.05); }
.btn-secondary { color:var(--text); background:#101a34; border-color:var(--border); }
.btn-secondary:hover,.btn-secondary:focus-visible { color:var(--text); border-color:var(--blue); }

.cta-strip {
  margin-top:1.1rem;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:1rem;
  display:grid;
  gap:.75rem;
  align-items:center;
  background: linear-gradient(165deg, rgba(27,42,79,.95), rgba(19,31,59,.95));
}

/* Mid-content conversion anchor — one strong primary per block */
.decision-cta {
  margin-top: 1.05rem;
  padding: 1.15rem 1.2rem;
  border-radius: var(--radius);
  border: 1px solid rgba(244, 196, 95, 0.42);
  background: linear-gradient(152deg, rgba(42, 32, 14, 0.55), rgba(16, 28, 52, 0.97));
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.28);
}
.decision-cta h3 {
  margin: 0 0 0.35rem;
  font-size: clamp(1.02rem, 2.4vw, 1.14rem);
  line-height: 1.3;
  color: var(--text);
}
.decision-cta > p {
  margin: 0 0 0.65rem;
  font-size: 0.93rem;
  line-height: 1.55;
}
.decision-cta .button-row {
  margin-top: 0.5rem;
}
.decision-cta .btn-primary {
  box-shadow: 0 4px 14px rgba(212, 154, 49, 0.35);
}

.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.table-wrap.swipe-ready { scroll-snap-type: x proximity; }
table { scroll-snap-align: start; }
table { width:100%; min-width:680px; border-collapse: collapse; background:#0f1832; }
th,td { border:1px solid var(--border); padding:.68rem; text-align:left; vertical-align:top; }
th { background:#1a2a4f; }
.action-cell { text-align: center; min-width: 170px; }
.action-btn { width: 100%; }
td.action-cell .btn {
  font-size: .88rem;
}

.trust-badges { display:flex; flex-wrap:wrap; gap:.55rem; }
.trust-badge {
  border:1px solid var(--border);
  border-radius:999px;
  padding:.36rem .68rem;
  background:#121f3e;
  color:var(--muted);
  font-size:.86rem;
}
.gallery { display:grid; gap:.8rem; grid-template-columns:1fr; }
.figure { border:1px solid var(--border); border-radius:12px; overflow:hidden; background:#101932; }
.figure figcaption { padding:.58rem .72rem; color:var(--muted); font-size:.9rem; }

.faq-list { display:grid; gap:.7rem; }
.faq-item { border:1px solid var(--border); border-radius:10px; overflow:hidden; background:#101a34; }
.faq-question {
  width:100%;
  border:0;
  background:transparent;
  color:var(--text);
  text-align:left;
  min-height: 50px;
  padding:.9rem .92rem;
  font-weight:700;
  cursor:pointer;
}
.faq-answer { padding:0 .86rem .78rem; color:var(--muted); }
.faq-answer[hidden] { display:none; }

.disclaimer {
  border-left:4px solid var(--gold);
  border-radius:8px;
  background:#13203d;
  color:var(--muted);
  padding:.8rem .9rem;
}
.disclaimer.danger { border-left-color: var(--danger); }
.disclaimer.success { border-left-color: var(--success); }

.related-links { display:grid; gap:.5rem; }
.author-box { border:1px solid var(--border); border-radius:12px; background:#101a35; padding:.9rem; }
.rating-box { border:1px solid var(--border); border-radius:12px; background: linear-gradient(180deg,#1a2a4f,#13223f); padding:1rem; }
.rating-box strong { font-size:2rem; line-height:1; }
.methodology-box {
  border:1px solid var(--border);
  border-radius:12px;
  background:#101b36;
  padding:.95rem;
}

.site-footer { border-top:1px solid var(--border); background:#080f20; margin-top:1.2rem; padding:1.1rem 0; }
.footer-grid { display:grid; gap:.75rem; }
.footer-links { display:flex; flex-wrap:wrap; gap:.8rem; }
.footer-links a { color:var(--muted); }
.footer-links a:hover,.footer-links a:focus-visible { color:var(--text); }

.mobile-cta {
  position: fixed;
  left:0;
  right:0;
  bottom:0;
  z-index:130;
  display:flex;
  gap:.55rem;
  padding:.62rem .8rem calc(.62rem + env(safe-area-inset-bottom));
  border-top:1px solid var(--border);
  background: rgba(7,12,22,.96);
  box-shadow: 0 -8px 22px rgba(0,0,0,.24);
  transition: transform .2s ease;
}
.mobile-cta .btn { flex:1; }
.mobile-cta.hidden { transform: translateY(115%); }

.back-to-top {
  position: fixed;
  right:1rem;
  bottom:5.2rem;
  width:42px;
  height:42px;
  border-radius:999px;
  border:1px solid var(--border);
  background:#152544;
  color:var(--text);
  display:grid;
  place-items:center;
  cursor:pointer;
  opacity:0;
  pointer-events:none;
  transform:translateY(8px);
  transition: opacity .2s ease, transform .2s ease;
}
.back-to-top.show { opacity:1; pointer-events:auto; transform:translateY(0); }

@media (min-width: 720px) {
  .grid-2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .grid-3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .grid-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .gallery { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .cta-strip { grid-template-columns: 1.45fr auto; }
  .footer-grid { grid-template-columns: 1.5fr auto; align-items:center; }
}
/* Interactive tools (calculators, filters) */
.tool-panel {
  border:1px solid var(--border);
  border-radius:14px;
  background: linear-gradient(180deg,#121f3d,#0d162c);
  padding:1rem 1.05rem;
  margin-bottom:1rem;
}
.tool-panel h3 { margin-top:0; font-size:1.05rem; }
.tool-form { display:grid; gap:.75rem; }
.tool-row {
  display:grid;
  gap:.35rem;
}
.tool-row label { font-size:.88rem; color:var(--muted); font-weight:600; }
.tool-row input,
.tool-row select {
  width:100%;
  max-width:100%;
  box-sizing:border-box;
  border:1px solid var(--border);
  border-radius:10px;
  background:#0a1224;
  color:var(--text);
  padding:.62rem .72rem;
  font-size:1rem;
  min-height:46px;
}
.tool-row input:focus,
.tool-row select:focus {
  outline:2px solid rgba(89,200,255,.35);
  outline-offset:1px;
}
.tool-output {
  border:1px solid var(--border);
  border-radius:10px;
  background:#0a1224;
  padding:.85rem .95rem;
  font-size:.95rem;
  line-height:1.55;
}
.tool-output strong { color:var(--gold); }
.tool-output kbd { font-family: inherit; background:#152544; padding:.1rem .35rem; border-radius:4px; }
.tool-actions { display:flex; flex-wrap:wrap; gap:.55rem; margin-top:.25rem; }
.tool-matrix-wrap { overflow-x:auto; }
.tool-matrix-wrap table { min-width: 720px; }
.tool-filter-bar { margin-bottom:.75rem; }
.tool-filter-bar input {
  width:100%;
  max-width:28rem;
  border:1px solid var(--border);
  border-radius:10px;
  background:#0a1224;
  color:var(--text);
  padding:.62rem .75rem;
  min-height:46px;
}
.tool-hidden { display:none !important; }
.vol-slider-row { display:grid; gap:.5rem; }
.vol-meter {
  height:8px;
  border-radius:999px;
  background:#152544;
  overflow:hidden;
}
.vol-meter span {
  display:block;
  height:100%;
  border-radius:999px;
  background: linear-gradient(90deg, var(--success), var(--gold), var(--danger));
  transition: width .15s ease;
}

@media (min-width: 980px) {
  main { padding-bottom: 2rem; }
  .mobile-cta { display:none; }
  .back-to-top { bottom:1rem; }
  .nav-toggle { display:none; }
  .site-nav { display:block; width:auto; }
  .nav-list { display:flex; align-items:center; gap:.9rem; padding:0; }
  .hero { padding:1.75rem; }
}