:root{
  --brand:#d6002a; --brand-dark:#a30020; --ink:#0e1726; --body:#283142;
  --muted:#667085; --line:#e6e9ef; --soft:#f6f8fb; --ok:#15a34a; --white:#fff;
  --radius:12px; --maxw:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--body);line-height:1.6;background:var(--white)}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{color:var(--ink);line-height:1.25}
h1{font-size:2.1rem;margin:.2em 0 .4em}
h2{font-size:1.5rem;margin:1.6em 0 .5em}
h3{font-size:1.15rem;margin:1.2em 0 .4em}
.riskbar{background:var(--ink);color:#cdd5e0;font-size:.72rem;text-align:center;
  padding:6px 14px;letter-spacing:.2px}
.site-head{display:flex;align-items:center;gap:18px;padding:12px 22px;max-width:var(--maxw);
  margin:0 auto;flex-wrap:wrap;position:sticky;top:0;background:rgba(255,255,255,.96);
  backdrop-filter:blur(8px);z-index:20;border-bottom:1px solid var(--line)}
.logo{font-weight:800;font-size:1.5rem;color:var(--ink);display:flex;align-items:baseline;gap:4px}
.logo span{color:var(--brand)}
.logo small{font-size:.7rem;color:var(--muted);font-weight:600;letter-spacing:1px;text-transform:uppercase}
.mainnav{display:flex;gap:14px;flex-wrap:wrap;margin-right:auto;font-size:.86rem;font-weight:600}
.mainnav a{color:var(--body)}
.mainnav a.active{color:var(--brand)}
.btn{display:inline-block;background:var(--brand);color:#fff;padding:11px 20px;border-radius:999px;
  font-weight:700;font-size:.9rem;white-space:nowrap;transition:.15s}
.btn:hover{background:var(--brand-dark);text-decoration:none;transform:translateY(-1px)}
.btn-big{padding:15px 30px;font-size:1.02rem}
main{min-height:50vh}
.wrap{max-width:var(--maxw);margin:0 auto;padding:34px 22px}
.wrap.soft{background:var(--soft);max-width:none}
.wrap.soft>.inner{max-width:var(--maxw);margin:0 auto}
.hero{background:linear-gradient(160deg,#11182a 0%,#1d2740 60%,#3a1320 100%);color:#fff;
  padding:56px 22px}
.hero-in{max-width:var(--maxw);margin:0 auto}
.hero h1{color:#fff;font-size:2.5rem;max-width:18ch}
.hero .lede{font-size:1.15rem;color:#d4dae6;max-width:60ch;margin:.4em 0 1.4em}
.hero-meta{margin-top:16px;color:#9fb0c7;font-size:.9rem}
.badge{display:inline-block;background:rgba(21,163,74,.18);color:#7ee2a3;border:1px solid #2f9d5b;
  padding:5px 14px;border-radius:999px;font-size:.78rem;font-weight:700;margin-bottom:14px;
  text-transform:uppercase;letter-spacing:.5px}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.fact{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-align:center}
.fact b{display:block;font-size:1.3rem;color:var(--ink)}
.fact span{font-size:.82rem;color:var(--muted)}
.ticks{list-style:none;padding:0;display:grid;gap:8px}
.ticks li{padding-left:30px;position:relative}
.ticks li:before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.tablewrap{overflow-x:auto;margin:14px 0}
table{border-collapse:collapse;width:100%;font-size:.92rem}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}
thead th{background:var(--ink);color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.4px}
tbody tr:nth-child(even){background:var(--soft)}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:10px 0}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;
  box-shadow:0 1px 3px rgba(16,23,38,.04)}
.card h3{margin-top:0}
a.card.cardlink{display:block;color:var(--body);transition:.15s}
a.card.cardlink:hover{border-color:var(--brand);text-decoration:none;transform:translateY(-2px);
  box-shadow:0 4px 14px rgba(16,23,38,.08)}
a.card.cardlink h3{color:var(--brand)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:12px}
.steps li{counter-increment:s;padding:14px 16px 14px 56px;position:relative;background:var(--soft);
  border:1px solid var(--line);border-radius:var(--radius)}
.steps li:before{content:counter(s);position:absolute;left:14px;top:50%;transform:translateY(-50%);
  width:28px;height:28px;background:var(--brand);color:#fff;border-radius:50%;display:flex;
  align-items:center;justify-content:center;font-weight:700;font-size:.9rem}
.callout{background:#fff4f4;border:1px solid #f3c4c4;color:#8a1f2b;padding:14px 18px;
  border-radius:var(--radius);font-size:.92rem;margin:14px 0}
.note{font-size:.85rem;color:var(--muted)}
.wrap.lead{padding-top:26px;padding-bottom:6px}
.wrap.lead p{font-size:1.12rem;color:var(--ink);max-width:72ch;margin:0}
.faq{border:1px solid var(--line);border-radius:var(--radius);margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:15px 18px;font-weight:700;color:var(--ink);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;color:var(--brand);font-weight:800}
.faq[open] summary:after{content:"–"}
.faq-a{padding:0 18px 16px;color:var(--body)}
.related{display:flex;flex-wrap:wrap;gap:10px}
.related a{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:8px 16px;
  font-size:.88rem;font-weight:600;color:var(--body);background:var(--soft)}
.related a:hover{border-color:var(--brand);color:var(--brand);text-decoration:none}
.btn-cta{box-shadow:0 4px 14px rgba(214,0,42,.28)}
.hero .btn-cta{margin-top:6px}
.site-foot{background:var(--ink);color:#aeb8c7;margin-top:30px}
.foot-cta{text-align:center;padding:40px 22px;border-bottom:1px solid #233048}
.foot-cta h3{color:#fff;margin-top:0}
.foot-links{max-width:var(--maxw);margin:0 auto;padding:26px 22px;display:flex;flex-wrap:wrap;gap:8px 20px}
.foot-links a{color:#aeb8c7;font-size:.86rem}
.risk-full,.disclaimer,.copy{max-width:var(--maxw);margin:0 auto;padding:0 22px 10px;font-size:.76rem;color:#7c8798}
.copy{padding-bottom:30px}
@media(max-width:760px){
  .facts{grid-template-columns:repeat(2,1fr)}
  .cols{grid-template-columns:1fr}
  .hero h1{font-size:1.9rem}
  .mainnav{order:3;width:100%}
  .site-head .btn{order:2}
}