*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0d1b3e;--blue:#1a56db;--blue-lt:#3b82f6;--teal:#0891b2;--green:#059669;--gold:#f59e0b;--light:#f0f4ff;--white:#ffffff;--gray-1:#f8fafc;--gray-2:#e2e8f0;--gray-3:#94a3b8;--gray-4:#475569;--text:#1e293b;--radius:12px;--shadow:0 4px 24px rgba(13,27,62,.12)}
body{font-family:'Inter',sans-serif;color:var(--text);background:var(--white);line-height:1.6}
nav{position:sticky;top:0;z-index:100;background:var(--navy);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:68px;box-shadow:0 2px 12px rgba(0,0,0,.3)}
.logo{color:var(--white);font-size:1.25rem;font-weight:800;letter-spacing:-.3px;text-decoration:none}
.logo span{color:var(--gold)}
.nav-links{display:flex;gap:2rem;list-style:none}
.nav-links a{color:rgba(255,255,255,.8);text-decoration:none;font-size:.9rem;font-weight:500;transition:color .2s}
.nav-links a:hover{color:var(--white)}
.nav-cta{background:var(--gold);color:var(--navy);padding:.5rem 1.25rem;border-radius:8px;font-weight:700;font-size:.9rem;text-decoration:none;transition:opacity .2s}
.nav-cta:hover{opacity:.9}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer}
.hamburger span{width:24px;height:2px;background:white;border-radius:2px}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#1a3a6e 60%,#0e4a7a 100%);padding:70px 5% 55px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E")}
.hero-badge{display:inline-block;background:rgba(245,158,11,.15);border:1px solid var(--gold);color:var(--gold);padding:.35rem 1rem;border-radius:50px;font-size:.8rem;font-weight:600;letter-spacing:.5px;margin-bottom:1.25rem}
.hero h1{font-size:clamp(1.9rem,4.5vw,3.2rem);font-weight:800;color:var(--white);line-height:1.15;margin-bottom:1.25rem;max-width:800px;margin-left:auto;margin-right:auto}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{font-size:1.1rem;color:rgba(255,255,255,.75);max-width:600px;margin:0 auto 2rem}
.hero-stats{display:flex;justify-content:center;gap:2.5rem;margin-top:2.5rem;flex-wrap:wrap}
.hero-stat{text-align:center}
.hero-stat strong{display:block;font-size:1.8rem;font-weight:800;color:var(--gold)}
.hero-stat span{font-size:.82rem;color:rgba(255,255,255,.6)}
.breadcrumb{background:var(--gray-1);padding:.75rem 5%;border-bottom:1px solid var(--gray-2);font-size:.85rem}
.breadcrumb a{color:var(--blue);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb span{color:var(--gray-3);margin:0 .4rem}
.trust-bar{background:var(--light);padding:1.5rem 5%;border-top:1px solid var(--gray-2);border-bottom:1px solid var(--gray-2)}
.trust-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:2.5rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:.6rem}
.trust-item .ti-icon{font-size:1.1rem}
.trust-item span{font-size:.82rem;font-weight:600;color:var(--gray-4)}
.section-label{text-align:center;font-size:.78rem;font-weight:700;letter-spacing:1.5px;color:var(--blue);text-transform:uppercase;margin-bottom:.6rem}
.section-title{text-align:center;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;margin-bottom:.6rem}
.section-sub{text-align:center;color:var(--gray-4);margin-bottom:2.5rem;font-size:.93rem}
.risks{padding:70px 5%;background:white}
.risks-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.5rem;max-width:1100px;margin:0 auto}
.risk-card{background:var(--gray-1);border:2px solid var(--gray-2);border-radius:16px;padding:1.5rem;transition:all .2s}
.risk-card:hover{border-color:var(--blue);box-shadow:var(--shadow)}
.risk-icon{font-size:2rem;margin-bottom:.75rem;display:block}
.risk-card h3{font-size:1rem;font-weight:700;margin-bottom:.4rem}
.risk-card p{font-size:.875rem;color:var(--gray-4);line-height:1.6}
.products{padding:70px 5%;background:var(--gray-1)}
.products-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;max-width:1100px;margin:0 auto}
.product-card{background:white;border:2px solid var(--gray-2);border-radius:18px;padding:1.75rem;transition:all .25s;position:relative}
.product-card:hover{border-color:var(--blue);box-shadow:var(--shadow);transform:translateY(-2px)}
.product-card.featured{border-color:var(--blue);background:linear-gradient(135deg,var(--light) 0%,white 100%)}
.product-badge{position:absolute;top:.75rem;right:.75rem;background:var(--blue);color:white;font-size:.68rem;font-weight:700;padding:.2rem .65rem;border-radius:50px;letter-spacing:.5px}
.product-icon{width:50px;height:50px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1rem}
.product-card h3{font-size:1.1rem;font-weight:700;margin-bottom:.3rem}
.product-card .importance{font-size:.78rem;font-weight:600;color:var(--blue);margin-bottom:.6rem}
.product-card p{color:var(--gray-4);font-size:.875rem;line-height:1.6}
.why-diff{padding:70px 5%;background:white}
.why-diff-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.5rem;max-width:1100px;margin:0 auto}
.why-diff-card{padding:1.5rem;border-radius:14px;background:var(--light);border:1.5px solid var(--gray-2)}
.why-diff-card .wd-icon{font-size:1.75rem;margin-bottom:.75rem;display:block}
.why-diff-card h3{font-size:.95rem;font-weight:700;margin-bottom:.4rem}
.why-diff-card p{font-size:.85rem;color:var(--gray-4);line-height:1.6}
.faqs{padding:70px 5%;background:var(--gray-1)}
.faqs-wrap{max-width:780px;margin:0 auto}
.faq-item{background:white;border:2px solid var(--gray-2);border-radius:12px;margin-bottom:.75rem;overflow:hidden;transition:border-color .2s}
.faq-item.open{border-color:var(--blue)}
.faq-q{padding:1.1rem 1.25rem;font-weight:600;font-size:.95rem;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem}
.faq-q::after{content:'＋';font-size:1.1rem;color:var(--blue);flex-shrink:0;transition:transform .2s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{display:none;padding:0 1.25rem 1.1rem;font-size:.875rem;color:var(--gray-4);line-height:1.7}
.faq-item.open .faq-a{display:block}
.testi-single{padding:60px 5%;background:white}
.testi-card-single{max-width:680px;margin:0 auto;border:2px solid var(--gray-2);border-radius:18px;padding:2rem;position:relative}
.testi-stars{color:var(--gold);font-size:1rem;margin-bottom:.75rem}
.testi-text{font-size:.95rem;color:var(--text);line-height:1.75;margin-bottom:1rem;font-style:italic}
.testi-author{display:flex;align-items:center;gap:.75rem}
.testi-avatar{width:42px;height:42px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:white;font-size:.875rem;flex-shrink:0}
.testi-name{font-weight:700;font-size:.875rem}
.testi-role{font-size:.78rem;color:var(--gray-3)}
.cat-hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:1rem;max-width:1100px;margin:0 auto}
.cat-prof-card{background:white;border:2px solid var(--gray-2);border-radius:12px;padding:1.1rem 1.25rem;text-decoration:none;color:var(--text);transition:all .2s;display:block}
.cat-prof-card:hover{border-color:var(--blue);box-shadow:var(--shadow);transform:translateY(-1px)}
.cat-prof-card h4{font-size:.9rem;font-weight:700;margin-bottom:.2rem}
.cat-prof-card span{font-size:.78rem;color:var(--gray-3)}
.cat-hub-section{padding:70px 5%;background:var(--gray-1)}
.ip-spotlight{background:linear-gradient(135deg,var(--navy) 0%,#13315c 60%,#0e4a7a 100%);padding:60px 5%;position:relative;overflow:hidden}
.ip-spotlight-inner{max-width:1040px;margin:0 auto;display:grid;grid-template-columns:1.25fr 1fr;gap:2.5rem;align-items:center;position:relative;z-index:2}
.ip-tag{display:inline-block;background:rgba(245,158,11,.15);border:1px solid var(--gold);color:var(--gold);padding:.35rem 1rem;border-radius:50px;font-size:.76rem;font-weight:700;letter-spacing:.5px;margin-bottom:1rem}
.ip-spotlight h2{color:#fff;font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800;line-height:1.2;margin-bottom:.85rem}
.ip-spotlight h2 em{font-style:normal;color:var(--gold)}
.ip-spotlight>.ip-spotlight-inner>div>p{color:rgba(255,255,255,.78);font-size:.98rem;line-height:1.7}
.ip-bullets{list-style:none;margin:1.25rem 0 0;display:flex;flex-direction:column;gap:.55rem}
.ip-bullets li{display:flex;align-items:flex-start;gap:.6rem;color:rgba(255,255,255,.9);font-size:.9rem;line-height:1.5}
.ip-bullets li::before{content:'✓';color:var(--gold);font-weight:800;flex-shrink:0}
.ip-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:1.9rem;text-align:center;backdrop-filter:blur(4px)}
.ip-card .big{font-size:2.6rem;font-weight:800;color:var(--gold);line-height:1;letter-spacing:-1px}
.ip-stat-label{color:rgba(255,255,255,.7);font-size:.84rem;line-height:1.5;margin-top:.6rem}
.ip-card .btn{margin-top:1.4rem;width:100%}
.ip-card .ip-sub{color:rgba(255,255,255,.45);font-size:.74rem;margin-top:.75rem}
.article{padding:60px 5%;background:#fff}
.article-inner{max-width:820px;margin:0 auto}
.article h2{font-size:clamp(1.35rem,2.6vw,1.85rem);font-weight:800;color:var(--navy);margin:1.75rem 0 .75rem}
.article h3{font-size:1.1rem;font-weight:700;color:var(--text);margin:1.25rem 0 .4rem}
.article p{color:var(--gray-4);font-size:.98rem;line-height:1.75;margin-bottom:1rem}
.article ul{margin:0 0 1.25rem 1.4rem;color:var(--gray-4)}
.article li{margin-bottom:.5rem;line-height:1.6}
.article strong{color:var(--text)}
.callout{background:var(--light);border-left:4px solid var(--blue);border-radius:8px;padding:1.1rem 1.25rem;margin:1.5rem 0;font-size:.93rem;color:var(--gray-4)}
.callout strong{color:var(--navy)}
.table-scroll{overflow-x:auto;margin:1.25rem 0}
.compare{width:100%;border-collapse:collapse;font-size:.9rem;min-width:520px}
.compare th,.compare td{border:1px solid var(--gray-2);padding:.7rem .9rem;text-align:left;vertical-align:top}
.compare thead th{background:var(--navy);color:#fff;font-weight:700}
.compare td:first-child,.compare th:first-child{font-weight:600;color:var(--text);background:var(--gray-1)}
.disclaimer{background:#fff7ed;border:1px solid #fed7aa;border-radius:10px;padding:1.1rem 1.25rem;margin-top:1.75rem;font-size:.82rem;color:#9a3412;line-height:1.6}
.cta-banner{background:linear-gradient(135deg,var(--blue) 0%,var(--teal) 100%);padding:70px 5%;text-align:center}
.cta-banner h2{color:white;font-size:clamp(1.5rem,3vw,2.3rem);font-weight:800;margin-bottom:1rem}
.cta-banner p{color:rgba(255,255,255,.8);margin-bottom:2rem;font-size:1rem}
.cta-buttons{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}
.btn{display:inline-block;padding:.85rem 1.75rem;border-radius:10px;font-size:.95rem;font-weight:700;font-family:inherit;cursor:pointer;border:none;transition:all .2s;text-decoration:none;text-align:center}
.btn-primary{background:var(--blue);color:white;width:100%;margin-top:1.25rem}
.btn-primary:hover{background:#1447b8;transform:translateY(-1px);box-shadow:0 6px 20px rgba(26,86,219,.35)}
.btn-secondary{background:var(--gray-2);color:var(--text)}
.btn-secondary:hover{background:var(--gray-3);color:white}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{opacity:.9}
.quote-section{padding:70px 5%;background:var(--light)}
.quote-form-wrap{max-width:760px;margin:0 auto}
.form-card{background:white;border-radius:18px;box-shadow:var(--shadow);padding:2.25rem}
.form-steps{display:flex;margin-bottom:1.75rem;border-radius:10px;overflow:hidden;border:2px solid var(--gray-2)}
.form-step{flex:1;padding:.7rem;text-align:center;font-size:.8rem;font-weight:600;color:var(--gray-3);background:var(--gray-1);cursor:pointer;transition:all .2s;border-right:2px solid var(--gray-2)}
.form-step:last-child{border-right:none}
.form-step.active{background:var(--blue);color:white}
.form-step.done{background:var(--green);color:white}
.step-panel{display:none}
.step-panel.active{display:block}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-group{display:flex;flex-direction:column;gap:.35rem}
.form-group.full{grid-column:1/-1}
.form-group label{font-size:.82rem;font-weight:600;color:var(--gray-4)}
.form-group input,.form-group select,.form-group textarea{padding:.7rem 1rem;border:2px solid var(--gray-2);border-radius:8px;font-size:.93rem;font-family:inherit;color:var(--text);background:var(--gray-1);transition:border-color .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--blue);background:white}
.form-group textarea{min-height:80px;resize:vertical}
.cover-types{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin:.5rem 0}
.cover-type{border:2px solid var(--gray-2);border-radius:10px;padding:.9rem;cursor:pointer;transition:all .2s;position:relative}
.cover-type input[type=checkbox]{position:absolute;opacity:0}
.cover-type.checked{border-color:var(--blue);background:var(--light)}
.cover-type h4{font-size:.85rem;font-weight:700;margin-bottom:.2rem}
.cover-type p{font-size:.75rem;color:var(--gray-4);line-height:1.4}
.check-badge{position:absolute;top:.5rem;right:.5rem;width:18px;height:18px;border-radius:50%;background:var(--blue);display:none;align-items:center;justify-content:center;color:white;font-size:.65rem}
.cover-type.checked .check-badge{display:flex}
.form-nav{display:flex;gap:1rem;margin-top:1.25rem}
.form-nav .btn{flex:1}
.consent-text{font-size:.76rem;color:var(--gray-3);text-align:center;margin-top:.75rem;line-height:1.5}
.consent-text a{color:var(--blue)}
.success-state{display:none;text-align:center;padding:2rem}
.success-icon{font-size:3rem;margin-bottom:.75rem}
.success-state h3{font-size:1.4rem;font-weight:800;color:var(--green);margin-bottom:.6rem}
.success-state p{color:var(--gray-4);max-width:360px;margin:0 auto;line-height:1.6}
footer{background:var(--navy);padding:55px 5% 28px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2.5rem;max-width:1100px;margin:0 auto 2.5rem}
.footer-brand .logo{font-size:1.2rem;display:block;margin-bottom:.9rem}
.footer-brand p{color:rgba(255,255,255,.5);font-size:.84rem;line-height:1.7;max-width:260px}
.footer-col h4{color:white;font-size:.88rem;font-weight:700;margin-bottom:.9rem}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:.45rem}
.footer-col ul li a{color:rgba(255,255,255,.5);font-size:.82rem;text-decoration:none;transition:color .2s}
.footer-col ul li a:hover{color:white}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:1.5rem;max-width:1100px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}
.footer-bottom p{color:rgba(255,255,255,.35);font-size:.78rem;line-height:1.6}
.fca-badge{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:8px;padding:.45rem .9rem;display:inline-flex;align-items:center;gap:.5rem;color:rgba(255,255,255,.5);font-size:.76rem;font-weight:600}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:90;background:white;padding:.9rem;box-shadow:0 -4px 20px rgba(0,0,0,.12);border-top:2px solid var(--gray-2)}
@media(max-width:768px){.nav-links,.nav-cta{display:none}.hamburger{display:flex}.form-grid{grid-template-columns:1fr}.cover-types{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.sticky-cta{display:block}.trust-inner{gap:1.25rem}.ip-spotlight-inner{grid-template-columns:1fr;gap:1.5rem}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;text-align:center}}

/* ─── professional polish + accessibility + GEO components ─── */
html{scroll-behavior:smooth}
body{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility}
a,button{-webkit-tap-highlight-color:transparent}
:focus-visible{outline:3px solid var(--blue-lt);outline-offset:2px;border-radius:4px}
.btn:focus-visible{outline:3px solid #fff;outline-offset:2px}
main:focus{outline:none}
.skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:var(--gold);color:var(--navy);padding:.6rem 1rem;border-radius:0 0 8px 0;font-weight:700;font-size:.85rem;text-decoration:none}
.skip-link:focus{left:0}
.btn-gold{box-shadow:0 2px 12px rgba(245,158,11,.28)}
nav{backdrop-filter:saturate(140%)}
.product-card,.risk-card,.testi-card,.cat-prof-card{will-change:transform}
/* key facts — AI-extractable summary block */
.keyfacts-wrap{max-width:1100px;margin:0 auto;padding:38px 5% 0}
.kf-title{font-size:1.05rem;font-weight:800;color:var(--navy);margin-bottom:.9rem;letter-spacing:-.2px}
.keyfacts{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:.6rem;border:1px solid var(--gray-2);border-radius:14px;padding:1.1rem;background:linear-gradient(180deg,var(--gray-1),#fff);box-shadow:var(--shadow)}
.kf-row{padding:.5rem .25rem .5rem .85rem;border-left:3px solid var(--blue)}
.kf-row dt{font-size:.71rem;font-weight:700;letter-spacing:.6px;text-transform:uppercase;color:var(--gray-3);margin-bottom:.2rem}
.kf-row dd{font-size:.92rem;font-weight:600;color:var(--text);line-height:1.45}
.reviewed{font-size:.78rem;color:var(--gray-3);margin-top:.9rem}
@media (prefers-reduced-motion: reduce){*{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}}
.guide-cta{max-width:1100px;margin:0 auto;padding:16px 5% 0}
.guide-cta a{display:inline-block;background:var(--light);border:1.5px solid var(--gray-2);border-radius:10px;padding:.75rem 1.15rem;color:var(--blue);font-weight:700;text-decoration:none;font-size:.9rem;transition:border-color .2s}
.guide-cta a:hover{border-color:var(--blue)}
.insight-band{padding:18px 5% 0}
.insight-inner{max-width:1100px;margin:0 auto;background:var(--light);border:1px solid var(--gray-2);border-left:4px solid var(--blue);border-radius:10px;padding:1rem 1.25rem}
.insight-tag{display:block;font-size:.72rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--blue);margin-bottom:.3rem}
.insight-inner p{font-size:.9rem;color:var(--gray-4);line-height:1.65}