:root {
  --bg: #ffffff;
  --bg-alt: #f7f8fa;
  --bg-card: #ffffff;
  --text: #1a1d23;
  --text-muted: #555a66;
  --border: #e6e8ee;
  --primary: #1a4d8f;
  --primary-dark: #143d70;
  --accent: #e8a317;
  --accent-dark: #c4870f;
  --green: #1a7f4e;
  --red: #b3402e;
  --radius: 10px;
  --shadow: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-lg: 0 10px 30px rgba(0,0,0,0.08);
  --maxw: 880px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.7;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
  border-bottom: 1px solid var(--border);
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 10;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 60px;
}
.brand { font-weight: 800; font-size: 18px; color: var(--text); letter-spacing: -0.3px; }
.brand span { color: var(--primary); }
.site-nav { display: flex; gap: 22px; }
.site-nav a { color: var(--text-muted); font-size: 15px; font-weight: 500; }

/* Hero */
.hero { background: var(--bg-alt); padding: 48px 0 40px; border-bottom: 1px solid var(--border); }
.hero h1 { font-size: 34px; line-height: 1.2; letter-spacing: -0.5px; margin-bottom: 14px; }
.hero .lead { color: var(--text-muted); font-size: 18px; max-width: 640px; }
.hero .updated { color: var(--text-muted); font-size: 14px; margin-top: 14px; }

/* Quick answer */
.quick-answer {
  background: #fff;
  border: 1px solid var(--border);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin: 28px 0;
  box-shadow: var(--shadow);
}
.quick-answer h2 { font-size: 19px; margin-bottom: 10px; }
.quick-answer ol { padding-left: 20px; }
.quick-answer li { margin-bottom: 6px; }

/* Sections */
section { padding: 34px 0; border-bottom: 1px solid var(--border); }
section:last-of-type { border-bottom: none; }
h2 { font-size: 26px; line-height: 1.3; letter-spacing: -0.3px; margin-bottom: 16px; }
h3 { font-size: 20px; margin: 22px 0 10px; }
p { margin-bottom: 14px; }
ul, ol { margin: 0 0 16px 22px; }
li { margin-bottom: 6px; }

/* Service card */
.service {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin-bottom: 22px;
  box-shadow: var(--shadow);
}
.service.best { border: 2px solid var(--accent); }
.badge {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  margin-bottom: 8px;
  letter-spacing: 0.3px;
}
.badge.best { background: var(--green); }
.service h3 { margin-top: 0; }
.service .tagline { color: var(--text-muted); font-size: 15px; margin-bottom: 12px; }
.service ul { margin-bottom: 14px; }
.cta-btn {
  display: inline-block;
  background: var(--primary);
  color: #fff !important;
  font-weight: 600;
  padding: 11px 22px;
  border-radius: var(--radius);
  text-decoration: none !important;
  transition: background 0.15s;
}
.cta-btn:hover { background: var(--primary-dark); }

/* Tables */
.table-wrap { overflow-x: auto; margin: 18px 0 24px; }
table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
th, td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--border); vertical-align: top; }
th { background: var(--bg-alt); font-weight: 700; font-size: 14px; }
tr:last-child td { border-bottom: none; }
td .price { font-weight: 700; color: var(--green); }
td .minus { color: var(--red); }

/* Callout boxes */
.callout {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 18px 0;
}
.callout.tip { border-left: 4px solid var(--green); }
.callout.mistake { border-left: 4px solid var(--red); }
.callout.expert { border-left: 4px solid var(--primary); }
.callout h3 { margin-top: 0; font-size: 17px; }

/* Checklist */
.checklist {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px 20px 44px;
  margin: 18px 0;
  list-style: none;
}
.checklist li { position: relative; margin-bottom: 8px; }
.checklist li::before { content: "✓"; color: var(--green); font-weight: 700; position: absolute; left: -22px; }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--border); padding: 14px 0; }
.faq-item h3 { font-size: 17px; margin: 0 0 8px; color: var(--primary); }

/* Disclosure */
.disclosure {
  background: #fffbe6;
  border: 1px solid #f0d98a;
  border-radius: var(--radius);
  padding: 14px 18px;
  font-size: 14px;
  color: #6b5a16;
  margin: 24px 0;
}

/* Conclusion */
.conclusion { background: var(--bg-alt); }
.conclusion .cta-box {
  background: var(--primary);
  color: #fff;
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  margin-top: 18px;
}
.conclusion .cta-box h3 { color: #fff; margin-top: 0; }
.conclusion .cta-box a {
  display: inline-block;
  background: var(--accent);
  color: #fff !important;
  font-weight: 700;
  padding: 13px 28px;
  border-radius: var(--radius);
  margin-top: 12px;
  text-decoration: none !important;
}
.conclusion .cta-box a:hover { background: var(--accent-dark); }

/* Footer */
.site-footer { background: #1a1d23; color: #b8bcc6; padding: 36px 0 28px; font-size: 14px; }
.site-footer .container { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; }
.site-footer a { color: #d4d7de; }
.site-footer .footer-links { display: flex; gap: 18px; flex-wrap: wrap; }
.site-footer .disclaimer { font-size: 12px; color: #7d818c; margin-top: 18px; max-width: 600px; line-height: 1.6; }

/* Responsive */
@media (max-width: 640px) {
  body { font-size: 16px; }
  .hero h1 { font-size: 27px; }
  h2 { font-size: 22px; }
  .site-nav { display: none; }
  .hero { padding: 34px 0 28px; }
  section { padding: 26px 0; }
  .service { padding: 18px; }
  th, td { padding: 10px 8px; font-size: 14px; }
}

/* Legal pages */
.legal { padding: 48px 0; }
.legal h1 { font-size: 30px; margin-bottom: 8px; }
.legal h2 { font-size: 21px; margin: 28px 0 10px; }
.legal p { margin-bottom: 12px; }
.legal .meta { color: var(--text-muted); font-size: 14px; margin-bottom: 24px; }