:root{
  color-scheme:light;
  --bg:#FFFFFF; --surface:#F4F7FA; --ink:#0E2238; --text:#33475B; --muted:#5E7185; --rule:#DCE3EA;
  --navy:#0E2A47; --accent:#0E7A70; --accent-hover:#0B6860; --accent-soft:#E3F2F0;
  --good:#1E7B45; --good-soft:#E4F3EA; --warn:#94590A; --warn-soft:#FCF0DB; --bad:#A6392B; --bad-soft:#FBE7E3;
  --sans:"Public Sans","Segoe UI",system-ui,-apple-system,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,monospace;
  --shadow:0 1px 2px rgba(14,34,56,.06),0 8px 24px rgba(14,34,56,.08);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.6 var(--sans)}
[hidden]{display:none!important}
a{color:var(--accent)}
h1,h2,h3{color:var(--ink);margin:0;text-wrap:balance;letter-spacing:-.01em}
h1{font-size:clamp(34px,5.4vw,52px);line-height:1.08;font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(26px,3.6vw,36px);line-height:1.15;font-weight:800;letter-spacing:-.015em}
h3{font-size:19px;line-height:1.3;font-weight:700}
p{margin:0}
.container{max-width:1120px;margin:0 auto;padding-inline:max(16px,env(safe-area-inset-left,0px))}
.narrow{max-width:760px}
.kicker{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:10px}
.eyebrow{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.lede{font-size:19px;line-height:1.55;color:var(--text);max-width:54ch}
.body-lg{font-size:17px;max-width:56ch;margin-top:14px}
.fine{font-size:13px;color:var(--muted);margin-top:18px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:700 16px/1 var(--sans);background:var(--accent);color:#fff;padding:15px 22px;border-radius:8px;border:0;text-decoration:none;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--accent-hover)}
.btn[disabled]{opacity:.65;cursor:wait}
.btn-sm{padding:10px 16px;font-size:14px}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--rule)}
.btn-ghost:hover{background:var(--surface)}
.btn-block{width:100%}
a:focus-visible,.btn:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:2px}

/* header */
.site-head{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--rule);padding-top:env(safe-area-inset-top,0px)}
.nav{display:flex;align-items:center;gap:24px;height:68px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:21px;letter-spacing:-.02em;color:var(--navy);text-decoration:none}
.mark{width:28px;height:28px;border-radius:7px;background:var(--navy);position:relative;flex:none}
.mark::before{content:"W";position:absolute;inset:0;display:grid;place-items:center;color:#fff;font:800 16px/1 var(--sans);letter-spacing:-.04em}
.mark::after{content:"";position:absolute;right:5px;bottom:5px;width:5px;height:5px;border-radius:50%;background:#7FD1C8}
.links{display:flex;gap:26px;margin-left:auto}
.links a{color:var(--text);text-decoration:none;font-weight:500;font-size:15px}
.links a:hover,.links a[aria-current]{color:var(--accent)}

/* hero */
.hero{background:linear-gradient(180deg,var(--surface) 0%,var(--bg) 100%);padding-block:64px 56px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero-copy{display:flex;flex-direction:column;gap:20px}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.checks li{display:flex;gap:10px;align-items:baseline;font-weight:500;color:var(--ink)}
.checks li::before{content:"✓";color:var(--good);font-weight:800}
.hero .checks{flex-direction:row;flex-wrap:wrap;gap:8px 22px;font-size:15px}

/* report card */
.report{margin:0;background:var(--bg);border:1px solid var(--rule);border-radius:14px;box-shadow:var(--shadow);padding:22px;display:flex;flex-direction:column;gap:18px}
.report-head{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}
.report-title{font-weight:700;font-size:18px;color:var(--ink);margin-top:2px}
.report-meta{font-size:13px;color:var(--muted)}
.badge-sample{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--warn);background:var(--warn-soft);padding:5px 9px;border-radius:999px}
.report-save{background:var(--good-soft);border-radius:10px;padding:14px 16px;display:flex;flex-direction:column;gap:2px}
.report-save .big{font:800 34px/1.1 var(--sans);color:var(--good);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.fees{width:100%;border-collapse:collapse;font-size:14px}
.fees th{text-align:left;font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);padding:0 0 8px;border-bottom:1px solid var(--rule)}
.fees td{padding:10px 0;border-bottom:1px solid var(--rule);color:var(--ink)}
.fees tr:last-child td{border-bottom:0}
.fees .num{font-family:var(--mono);font-size:13px;font-variant-numeric:tabular-nums}
.pill{display:inline-block;font-size:12px;font-weight:600;padding:3px 9px;border-radius:999px;white-space:nowrap}
.pill-high{background:var(--warn-soft);color:var(--warn)}
.pill-flag{background:var(--bad-soft);color:var(--bad)}
.pill-fair{background:var(--good-soft);color:var(--good)}
.report-service{border-top:1px solid var(--rule);padding-top:14px;display:flex;flex-direction:column;gap:10px}
.scores{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.scores div{background:var(--surface);border-radius:8px;padding:10px;display:flex;flex-direction:column;gap:2px}
.scores span{font-size:12px;color:var(--muted)}
.scores b{font-size:20px;color:var(--ink)}

/* strip */
.strip{border-block:1px solid var(--rule);background:var(--bg)}
.strip-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-block:22px}
.strip-grid div{display:flex;flex-direction:column;gap:2px;border-left:3px solid var(--accent);padding-left:12px}
.strip-grid b{color:var(--ink);font-size:15px}
.strip-grid span{font-size:13px;color:var(--muted)}

/* blocks */
.block{padding-block:80px}
.block.alt{background:var(--surface)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:36px}
.step{background:var(--bg);border:1px solid var(--rule);border-radius:12px;padding:24px;display:flex;flex-direction:column;gap:10px}
.step-n{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.review-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px}
.review-list li{background:var(--bg);border:1px solid var(--rule);border-radius:12px;padding:18px 20px;display:flex;flex-direction:column;gap:4px}
.review-list b{color:var(--ink);font-size:16px}
.review-list span{font-size:15px}
.block:not(.alt) .review-list li{background:var(--surface);border-color:transparent}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:32px}
.stat{border-top:3px solid var(--navy);padding-top:16px;display:flex;flex-direction:column;gap:6px}
.stat-n{font:800 clamp(30px,4vw,42px)/1.05 var(--sans);color:var(--navy);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stat-l{font-size:15px}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:36px}
.plan{background:var(--bg);border:1px solid var(--rule);border-radius:12px;padding:26px;display:flex;flex-direction:column;gap:10px}
.plan.featured{border:2px solid var(--accent);box-shadow:var(--shadow)}
.price{font-size:24px;font-weight:800;color:var(--accent);letter-spacing:-.01em}

/* form */
.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.form-intro{display:flex;flex-direction:column;gap:6px}
.form-intro .checks{margin-top:18px}
.card{background:var(--bg);border:1px solid var(--rule);border-radius:14px;box-shadow:var(--shadow);padding:28px}
form{display:flex;flex-direction:column;gap:16px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:6px}
.field label,.lbl{font-weight:600;font-size:14px;color:var(--ink)}
.opt{font-weight:400;color:var(--muted)}
.hint{font-size:13px;color:var(--muted)}
input[type=text],input[type=email],select{font:inherit;font-size:15px;color:var(--ink);background:var(--bg);border:1.5px solid var(--rule);border-radius:8px;padding:11px 12px;width:100%}
input[type=text]:focus,input[type=email]:focus,select:focus{border-color:var(--accent)}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg label{display:flex;align-items:center;gap:7px;border:1.5px solid var(--rule);border-radius:8px;padding:9px 14px;cursor:pointer;font-weight:500;font-size:15px}
.seg label:has(input:checked){border-color:var(--accent);background:var(--accent-soft)}
.seg input,.consent input{accent-color:var(--accent)}
.upload{display:flex;flex-direction:column;gap:8px;border:1.5px dashed var(--rule);border-radius:10px;padding:16px;background:var(--surface)}
.upload input[type=file]{font:14px var(--sans);color:var(--text);max-width:100%}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}
.err{background:var(--bad-soft);color:var(--bad);border-radius:8px;padding:12px;font-size:14px}
.hp{position:absolute;left:-9999px}
.done{display:flex;flex-direction:column;gap:12px;align-items:flex-start;padding-block:12px}
.done-icon{width:48px;height:48px;border-radius:50%;background:var(--good-soft);color:var(--good);display:grid;place-items:center;font-weight:800;font-size:22px}

/* faq */
.faq{margin-top:28px;border-top:1px solid var(--rule)}
.faq details{border-bottom:1px solid var(--rule);padding-block:4px}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;padding-block:16px;font-weight:700;color:var(--ink);font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-weight:700;font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:16px;max-width:64ch}

/* guides */
.guide-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}
.guide-card{background:var(--bg);border:1px solid var(--rule);border-radius:12px;padding:22px;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:var(--text);transition:border-color .15s,box-shadow .15s}
.guide-card:hover{border-color:var(--accent);box-shadow:var(--shadow)}
.guide-card b{color:var(--ink);font-size:17px}
.text-link{display:inline-block;margin-top:22px;font-weight:700;text-decoration:none}
.page-head{background:var(--surface);border-bottom:1px solid var(--rule);padding-block:56px 44px}
.page-head .container{display:flex;flex-direction:column;gap:14px}
.page-head .lede{max-width:60ch}
.crumbs{font-size:14px;color:var(--muted)}
.crumbs a{text-decoration:none}
.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding-block:48px 80px;align-items:start}
article{font-size:17.5px;line-height:1.72;display:flex;flex-direction:column;gap:18px;max-width:68ch}
article h2{font-size:25px;margin-top:18px}
article ul,article ol{margin:0;padding-left:22px;display:flex;flex-direction:column;gap:8px}
article strong{color:var(--ink)}
.calc{font:14px/1.4 var(--mono);font-variant-numeric:tabular-nums;background:var(--surface);border:1px solid var(--rule);border-radius:10px;padding:8px 18px}
.calc div{display:flex;justify-content:space-between;gap:12px;padding-block:9px;border-bottom:1px dashed var(--rule)}
.calc div:last-child{border:0}
.calc .total{font-weight:600;color:var(--ink);border-top:2px solid var(--ink)}
.note{font-size:15px;color:var(--muted);border-left:3px solid var(--rule);padding-left:14px}
.aside{position:sticky;top:92px;display:flex;flex-direction:column;gap:20px}
.aside-cta{background:var(--navy);color:#DCE7F2;border-radius:14px;padding:24px;display:flex;flex-direction:column;gap:12px}
.aside-cta h3{color:#fff}
.aside-cta .btn{background:#fff;color:var(--navy)}
.aside-cta .btn:hover{background:#E3F2F0}
.aside-more{display:flex;flex-direction:column;gap:10px;font-size:15px}
.aside-more a{text-decoration:none;font-weight:600}
.post-list{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;padding-block:48px 80px}
.post-list .guide-card{padding:26px}
.meta-line{font-size:13px;color:var(--muted)}


.markets{display:grid;grid-template-columns:1fr 2fr;gap:20px;margin-top:32px}
.market{background:var(--surface);border-radius:12px;padding:22px;display:flex;flex-direction:column;gap:8px}
.market.core{background:var(--navy);color:#C9D6E3}
.market.core b{color:#fff;font-size:22px;line-height:1.2}
.market.core .eyebrow{color:#7FD1C8}
.market p{color:var(--ink);font-weight:600;font-size:17px;line-height:1.6}
@media (max-width:900px){.markets{grid-template-columns:1fr}}

/* complaints */
.complaints{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}
.complaint{background:var(--surface);border-radius:12px;padding:20px;display:flex;flex-direction:column;gap:6px;border-top:3px solid var(--warn)}
.complaint b{color:var(--ink);font-size:16px}
.complaint span{font-size:15px}
@media (max-width:900px){.complaints{grid-template-columns:1fr}}

/* footer */
.site-foot{background:var(--navy);color:#B9C8D8;padding-block:56px 28px;padding-bottom:max(28px,env(safe-area-inset-bottom,0px))}
.site-foot a{color:#fff}
.site-foot .logo{color:#fff}
.site-foot .mark{background:var(--accent)}
.foot-grid{display:grid;grid-template-columns:1.2fr 1.4fr 1fr;gap:40px;font-size:14px}
.foot-grid > div{display:flex;flex-direction:column;gap:10px}
.foot-grid b{color:#fff}
.foot-grid p a{text-decoration:none;line-height:1.9}
.foot-note{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;font-size:12px}

/* responsive */
@media (max-width:900px){
  .hero-grid,.two,.form-wrap,.article-wrap{grid-template-columns:1fr;gap:36px}
  .steps,.stats,.plans,.guide-cards{grid-template-columns:1fr}
  .strip-grid{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr}
  .aside{position:static}
  .post-list{grid-template-columns:1fr}
}
@media (max-width:720px){
  .links{display:none}
  .nav{justify-content:space-between}
  .hero{padding-block:40px}
  .block{padding-block:56px}
  .row{grid-template-columns:1fr}
  .card{padding:20px}
  .scores{grid-template-columns:repeat(3,1fr)}
  .strip-grid{grid-template-columns:1fr}
}