:root {
  --navy: #0b2545;
  --navy-deep: #061830;
  --navy-soft: #13366b;
  --red: #d52b1e;
  --red-soft: #b62318;
  --ink: #1a1f2e;
  --ink-2: #404756;
  --ink-3: #6b7280;
  --rule: #e3e6ed;
  --rule-strong: #c9cfdb;
  --bg: #ffffff;
  --bg-alt: #f5f7fb;
  --bg-tint: #eef2f8;
  --gold: #b88a2c;
  --shadow-sm: 0 1px 2px rgba(11, 37, 69, 0.06);
  --shadow-md: 0 6px 24px rgba(11, 37, 69, 0.08);
  --serif: 'Source Serif 4', 'Iowan Old Style', 'Georgia', 'Times New Roman', serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  --container: 1280px;
  --radius: 4px;
  --radius-lg: 8px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-soft); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--red); }
h1, h2, h3 { font-family: var(--serif); font-weight: 700; color: var(--navy-deep); letter-spacing: -0.01em; line-height: 1.2; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.skip-link {
  position: absolute; top: -40px; left: 0;
  background: var(--navy); color: #fff; padding: 8px 16px;
  z-index: 1000; text-decoration: none;
}
.skip-link:focus { top: 0; }

/* HEADER */
.site-header {
  background: var(--bg);
  border-bottom: 1px solid var(--rule);
  position: sticky; top: 0; z-index: 100;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 64px;
}
.logo {
  display: inline-flex; align-items: center;
  text-decoration: none;
}
.logo-img {
  height: 40px; width: auto; display: block;
}
.footer-logo-img {
  height: 36px; width: auto; display: block;
  filter: brightness(0) invert(1);
  margin-bottom: 12px;
}
.nav-list {
  list-style: none; margin: 0; padding: 0;
  display: flex; gap: 22px;
}
.header-igo {
  display: none;
  font-size: 13px; font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  padding: 8px 14px;
  border: 1px solid var(--rule-strong);
  border-radius: var(--radius);
  background: var(--bg-tint);
  white-space: nowrap;
}
.header-igo::before {
  content: '\2713\00a0';
  color: var(--red);
}
.header-igo:hover { border-color: var(--navy); color: var(--navy-deep); }
@media (min-width: 1240px) {
  .header-igo { display: inline-flex; align-items: center; margin-left: 24px; }
}
.nav-list a {
  text-decoration: none; color: var(--ink-2); font-weight: 500; font-size: 15px;
  padding: 8px 0; position: relative;
}
.nav-list a:hover { color: var(--navy); }
.nav-list a::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: 0;
  height: 2px; background: var(--red); transform: scaleX(0); transform-origin: left;
  transition: transform 0.2s ease;
}
.nav-list a:hover::after { transform: scaleX(1); }

.nav-toggle {
  display: none;
  background: transparent; border: 1px solid var(--rule-strong);
  width: 40px; height: 40px; border-radius: var(--radius);
  position: relative; cursor: pointer;
}
.nav-toggle-bar, .nav-toggle-bar::before, .nav-toggle-bar::after {
  content: ''; position: absolute; left: 10px; right: 10px; height: 2px; background: var(--navy);
}
.nav-toggle-bar { top: 50%; transform: translateY(-50%); }
.nav-toggle-bar::before { top: -7px; left: 0; right: 0; }
.nav-toggle-bar::after { top: 7px; left: 0; right: 0; }

/* HERO */
.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(213, 43, 30, 0.08), transparent 50%),
    linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: #fff;
  padding: 72px 0 80px;
  border-bottom: 4px solid var(--red);
  position: relative;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: repeating-linear-gradient(
    -45deg,
    rgba(255, 255, 255, 0.02) 0px,
    rgba(255, 255, 255, 0.02) 1px,
    transparent 1px,
    transparent 12px
  );
  pointer-events: none;
}
.hero-inner { position: relative; max-width: 820px; }
.eyebrow {
  display: inline-block;
  font-size: 12px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: #ffd1cd; margin: 0 0 24px;
  padding: 6px 12px; border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 999px;
}
.hero h1 {
  color: #fff;
  font-size: clamp(34px, 5.2vw, 56px);
  margin: 0 0 20px;
  font-weight: 700;
}
.lede {
  font-size: clamp(17px, 1.5vw, 20px);
  color: rgba(255, 255, 255, 0.88);
  max-width: 720px;
  margin: 0 0 36px;
  line-height: 1.55;
}
.hero-meta {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 4px 32px;
  margin: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  padding-top: 24px;
  max-width: 720px;
}
.hero-meta > div { display: flex; flex-direction: column; }
.hero-meta dt {
  font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 4px;
}
.hero-meta dd {
  margin: 0;
  font-size: 16px; font-weight: 600;
  color: #fff;
}

/* TRUST STRIP */
.trust-strip {
  background: var(--bg-tint);
  border-bottom: 1px solid var(--rule);
  padding: 24px 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px 32px;
}
.trust-item {
  display: flex; align-items: flex-start; gap: 12px;
}
.trust-check {
  flex-shrink: 0;
  width: 24px; height: 24px;
  background: var(--navy); color: #fff;
  border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 700;
  margin-top: 2px;
}
.trust-label {
  margin: 0 0 2px;
  font-size: 11px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--ink-3);
}
.trust-value {
  margin: 0;
  font-size: 14px; font-weight: 600; color: var(--navy-deep);
  line-height: 1.4;
}

/* LAYOUT (TOC + CONTENT) */
.layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  padding: 56px 20px 80px;
}
.toc {
  display: none;
}
.content { min-width: 0; }

/* DOC SECTIONS */
.doc-section {
  padding-top: 48px;
  margin-top: 48px;
  border-top: 1px solid var(--rule);
}
.doc-section:first-child {
  padding-top: 0; margin-top: 0; border-top: 0;
}
.section-number {
  font-size: 12px; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--red);
  margin: 0 0 8px;
}
.doc-section h2 {
  font-size: clamp(28px, 3.6vw, 36px);
  margin: 0 0 16px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--navy);
  display: inline-block;
}
.section-deck {
  font-size: 18px;
  color: var(--ink-2);
  margin: 0 0 32px;
  max-width: 680px;
}
.doc-section h3 {
  font-size: 22px;
  margin: 32px 0 12px;
}
.doc-section p { margin: 0 0 16px; }
.doc-section p:last-child { margin-bottom: 0; }

/* PROTECTIONS LIST */
.protections-list {
  list-style: none; margin: 0; padding: 0;
  display: grid; gap: 16px;
}
.protections-list li {
  padding: 16px 20px;
  background: var(--bg-alt);
  border-left: 3px solid var(--navy);
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 16px;
  line-height: 1.55;
}
.protections-list strong { color: var(--navy-deep); }

/* CRITERIA LIST */
.criteria-list {
  list-style: none; counter-reset: criteria;
  margin: 0; padding: 0;
  display: grid; gap: 8px;
}
.criteria-list li {
  counter-increment: criteria;
  padding: 24px 24px 24px 76px;
  background: var(--bg);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  position: relative;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.criteria-list li:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-md);
}
.criteria-list li::before {
  content: counter(criteria, decimal-leading-zero);
  position: absolute; left: 24px; top: 24px;
  font-family: var(--serif);
  font-size: 28px; font-weight: 700;
  color: var(--red);
  line-height: 1;
}
.criteria-list h3 {
  font-size: 18px;
  margin: 0 0 6px;
  font-family: var(--sans);
  letter-spacing: -0.01em;
}
.criteria-list p { margin: 0; color: var(--ink-2); font-size: 15px; }

/* FEATURED CARD (NP FUNNEL) */
.featured-card {
  display: block;
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 65%, var(--navy-soft) 100%);
  color: #fff;
  padding: 32px;
  border-radius: var(--radius-lg);
  text-decoration: none;
  border: 1px solid var(--navy-deep);
  position: relative;
  overflow: hidden;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.featured-card::after {
  content: '';
  position: absolute;
  top: 0; right: 0; bottom: 0;
  width: 6px;
  background: var(--red);
}
.featured-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 40px rgba(11, 37, 69, 0.22);
  color: #fff;
}
.featured-card-label {
  font-size: 12px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: #ffd1cd;
  margin-bottom: 16px;
}
.featured-card-title {
  font-family: var(--serif);
  font-size: clamp(22px, 2.6vw, 28px);
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 16px;
  max-width: 560px;
}
.featured-card-desc {
  color: rgba(255, 255, 255, 0.88);
  font-size: 16px;
  line-height: 1.55;
  max-width: 600px;
  margin: 0 0 24px;
}
.featured-card-action {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 600;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 15px;
}
.featured-card-arrow {
  display: inline-flex; align-items: center; justify-content: center;
  width: 28px; height: 28px;
  background: var(--red);
  border-radius: 50%;
  transition: transform 0.2s ease;
}
.featured-card:hover .featured-card-arrow { transform: translateX(4px); }

/* RANKING CARDS */
.ranking-list {
  list-style: none;
  counter-reset: ranking;
  margin: 0; padding: 0;
  display: grid; gap: 14px;
}
.ranking-card {
  display: grid;
  grid-template-columns: 60px 1fr auto;
  grid-template-areas:
    "rank main actions"
    "disclaimer disclaimer disclaimer";
  align-items: center;
  gap: 20px;
  padding: 20px 24px;
  background: var(--bg);
  border: 1px solid var(--rule);
  border-radius: var(--radius-lg);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.ranking-card:hover {
  border-color: var(--rule-strong);
  box-shadow: var(--shadow-md);
}
.ranking-card:first-child {
  border-color: var(--navy);
  border-width: 2px;
  background: linear-gradient(180deg, #fafbfd 0%, var(--bg) 100%);
  position: relative;
}
.ranking-card:first-child::before {
  content: 'Top Pick';
  position: absolute;
  top: -10px; left: 24px;
  background: var(--red);
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 3px;
}
.ranking-rank {
  grid-area: rank;
  font-family: var(--serif);
  font-size: 38px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  text-align: center;
  width: 60px;
}
.ranking-card:first-child .ranking-rank { color: var(--red); }
.ranking-main {
  grid-area: main;
  min-width: 0;
}
.ranking-name {
  font-family: var(--sans);
  font-size: 20px;
  font-weight: 700;
  color: var(--navy-deep);
  margin: 0 0 4px;
  letter-spacing: -0.01em;
}
.ranking-tagline {
  margin: 0 0 8px;
  font-size: 14px;
  color: var(--ink-2);
}
.ranking-score {
  display: inline-flex; align-items: baseline; gap: 8px;
}
.ranking-score-num {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 18px;
  color: var(--navy);
  padding: 2px 10px;
  background: var(--bg-tint);
  border-radius: var(--radius);
  letter-spacing: -0.01em;
}
.ranking-score-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--ink-3);
  font-weight: 600;
}
.ranking-actions {
  grid-area: actions;
  display: flex; flex-direction: column; gap: 8px;
  min-width: 140px;
}
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  text-decoration: none;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 600;
  padding: 10px 18px;
  border-radius: var(--radius);
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--red);
  color: #fff;
  border: 1px solid var(--red);
}
.btn-primary:hover {
  background: var(--red-soft);
  border-color: var(--red-soft);
  color: #fff;
}
.btn-secondary {
  background: var(--bg);
  color: var(--navy);
  border: 1px solid var(--rule-strong);
}
.btn-secondary:hover {
  border-color: var(--navy);
  color: var(--navy-deep);
}
.ranking-disclaimer {
  grid-area: disclaimer;
  margin: 0;
  padding-top: 14px;
  border-top: 1px solid var(--rule);
  font-size: 11px;
  line-height: 1.5;
  color: var(--ink-3);
}

@media (max-width: 767px) {
  .ranking-card {
    grid-template-columns: 1fr;
    grid-template-areas:
      "rank"
      "main"
      "actions"
      "disclaimer";
    text-align: center;
    padding: 24px 16px 16px;
  }
  .ranking-rank { width: 100%; font-size: 28px; }
  .ranking-actions { flex-direction: row; min-width: 0; }
  .ranking-actions .btn { flex: 1; }
  .ranking-score { justify-content: center; }
}

/* DATA TABLES (generic) */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  min-width: 600px;
}
.by-type-table tbody th { width: 62%; }
.land-based-table tbody th { width: 22%; white-space: nowrap; }
.land-based-table tbody td:first-of-type { width: 28%; }
.payments-table { min-width: 720px; }
.payments-table tbody th { white-space: nowrap; }
.payments-table tbody td { white-space: nowrap; }
.data-table caption {
  text-align: left;
  font-weight: 600;
  font-size: 14px;
  color: var(--ink-3);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding-bottom: 12px;
}
.data-table thead th {
  background: var(--navy);
  color: #fff;
  text-align: left;
  font-weight: 600;
  padding: 12px 16px;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.data-table tbody th {
  font-weight: 600;
  color: var(--navy-deep);
  text-align: left;
  padding: 14px 16px;
  background: var(--bg-alt);
}
.data-table tbody td {
  padding: 14px 16px;
  color: var(--ink-2);
  vertical-align: top;
}
.data-table tbody tr {
  border-bottom: 1px solid var(--rule);
}
.data-table tbody tr:last-child { border-bottom: 0; }

/* PROS / CONS */
.pros-cons-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin: 24px 0;
}
@media (min-width: 640px) {
  .pros-cons-grid { grid-template-columns: 1fr 1fr; }
}
.pros-cons-col {
  padding: 24px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--rule);
}
.pros-cons-col.pros {
  background: #f0f7f0;
  border-color: #c6e0c6;
}
.pros-cons-col.cons {
  background: #fdf1f0;
  border-color: #f4c9c5;
}
.pros-cons-col h3 {
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 600;
  margin: 0 0 14px;
  letter-spacing: -0.01em;
  display: flex; align-items: center; gap: 10px;
  color: var(--navy-deep);
}
.pc-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 24px; height: 24px;
  border-radius: 50%;
  font-size: 16px;
  font-weight: 700;
  color: #fff;
}
.pros .pc-icon { background: #2e7d32; }
.cons .pc-icon { background: var(--red); }
.pros-cons-col ul {
  margin: 0; padding: 0;
  list-style: none;
  display: grid; gap: 8px;
}
.pros-cons-col li {
  padding-left: 22px;
  position: relative;
  font-size: 15px;
  color: var(--ink);
  line-height: 1.5;
}
.pros li::before {
  content: '\2713';
  position: absolute; left: 0; top: 0;
  color: #2e7d32; font-weight: 700;
}
.cons li::before {
  content: '\2715';
  position: absolute; left: 0; top: 0;
  color: var(--red); font-weight: 700;
}

/* CHECK LIST */
.check-list {
  list-style: none;
  margin: 24px 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 8px 16px;
}
.check-list li {
  padding: 10px 14px 10px 36px;
  background: var(--bg-alt);
  border-left: 3px solid var(--navy);
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy-deep);
  position: relative;
}
.check-list li::before {
  content: '\2713';
  position: absolute;
  left: 14px; top: 50%; transform: translateY(-50%);
  color: var(--red);
  font-weight: 700;
}

/* PROVIDER LIST */
.provider-list {
  list-style: none;
  margin: 24px 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 8px;
}
@media (min-width: 640px) {
  .provider-list { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 900px) {
  .provider-list { grid-template-columns: repeat(3, 1fr); }
}
.provider-list li {
  padding: 14px 18px;
  background: var(--bg);
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--ink-2);
}
.provider-list strong {
  color: var(--navy-deep);
  font-size: 15px;
  display: block;
  margin-bottom: 2px;
}

/* RTP GRID */
.rtp-grid {
  display: grid;
  gap: 10px;
  margin: 24px 0;
}
.rtp-row {
  display: grid;
  grid-template-columns: 160px 1fr 60px;
  align-items: center;
  gap: 14px;
  padding: 8px 0;
}
.rtp-name {
  font-weight: 600;
  color: var(--navy-deep);
  font-size: 14px;
}
.rtp-bar {
  height: 10px;
  background: var(--bg-alt);
  border-radius: 999px;
  overflow: hidden;
  display: block;
  position: relative;
}
.rtp-bar-fill {
  display: block;
  height: 100%;
  background: linear-gradient(90deg, var(--navy-soft) 0%, var(--navy) 100%);
  border-radius: 999px;
  position: relative;
}
.rtp-pct {
  font-family: var(--serif);
  font-weight: 700;
  font-size: 14px;
  color: var(--navy);
  text-align: right;
  font-variant-numeric: tabular-nums;
}
@media (max-width: 640px) {
  .rtp-row {
    grid-template-columns: 110px 1fr 56px;
    gap: 8px;
    font-size: 13px;
  }
  .rtp-name { font-size: 13px; }
}

/* STEPS LIST */
.steps-list {
  list-style: none;
  counter-reset: step;
  margin: 24px 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.steps-list li {
  counter-increment: step;
  padding: 16px 20px 16px 64px;
  background: var(--bg-alt);
  border-radius: var(--radius);
  border: 1px solid var(--rule);
  position: relative;
  font-size: 15px;
  line-height: 1.6;
  color: var(--ink);
}
.steps-list li::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  left: 18px; top: 16px;
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 700;
  color: var(--red);
  line-height: 1;
}
.steps-list strong { color: var(--navy-deep); }

/* TIMELINE */
.timeline {
  display: grid;
  gap: 24px;
  margin: 32px 0;
  position: relative;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 39px; top: 12px; bottom: 12px;
  width: 2px;
  background: var(--rule);
}
.timeline-entry {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 20px;
  position: relative;
}
.timeline-year {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy-deep);
  background: var(--red);
  color: #fff;
  width: 80px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius);
  letter-spacing: -0.01em;
  z-index: 1;
}
.timeline-body p {
  margin: 0 0 12px;
}
.timeline-body p:last-child { margin-bottom: 0; }
@media (max-width: 640px) {
  .timeline::before { left: 30px; }
  .timeline-entry { grid-template-columns: 64px 1fr; gap: 14px; }
  .timeline-year { width: 64px; font-size: 18px; }
}

/* PAYMENTS TABLE */
.payments-table-wrap { overflow-x: auto; margin: 0 -20px 32px; padding: 0 20px; }
.payments-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  min-width: 480px;
}
.payments-table thead th {
  background: var(--navy);
  color: #fff;
  text-align: left;
  font-weight: 600;
  padding: 12px 16px;
  font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase;
}
.payments-table tbody th {
  font-weight: 600;
  color: var(--navy-deep);
  text-align: left;
  padding: 14px 16px;
  background: var(--bg-alt);
}
.payments-table tbody td {
  padding: 14px 16px;
  color: var(--ink-2);
}
.payments-table tbody tr { border-bottom: 1px solid var(--rule); }
.payments-table tbody tr:last-child { border-bottom: 0; }
.footnote {
  margin-top: 12px;
  font-size: 13px;
  color: var(--ink-3);
  font-style: italic;
}

/* FAQ */
.faq-list { display: grid; gap: 0; border-top: 1px solid var(--rule); }
.faq-list details {
  border-bottom: 1px solid var(--rule);
  padding: 0;
}
.faq-list summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 40px 20px 0;
  font-weight: 600;
  font-size: 17px;
  color: var(--navy-deep);
  position: relative;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: '+';
  position: absolute; right: 8px; top: 50%; transform: translateY(-50%);
  font-size: 24px; font-weight: 400; color: var(--red);
  width: 28px; height: 28px; line-height: 28px; text-align: center;
  transition: transform 0.2s ease;
}
.faq-list details[open] summary::after {
  transform: translateY(-50%) rotate(45deg);
}
.faq-list summary:hover { color: var(--red); }
.faq-list details > p {
  margin: 0;
  padding: 0 40px 20px 0;
  color: var(--ink-2);
  font-size: 16px;
  line-height: 1.65;
}

/* FOOTER */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.78);
  padding: 56px 0 24px;
  margin-top: 80px;
  border-top: 4px solid var(--red);
}
.footer-inner { display: grid; gap: 40px; }
.footer-brand {
  display: flex; flex-direction: column; align-items: flex-start;
  max-width: 360px;
}
.footer-brand p { margin: 0; font-size: 14px; line-height: 1.6; color: rgba(255, 255, 255, 0.78); }
.footer-cols {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 32px;
}
.footer-heading {
  margin: 0 0 12px;
  font-size: 12px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: #fff;
}
.footer-cols ul { list-style: none; margin: 0; padding: 0; }
.footer-cols li { margin-bottom: 8px; }
.footer-cols a {
  color: rgba(255, 255, 255, 0.78);
  text-decoration: none;
  font-size: 14px;
}
.footer-cols a:hover { color: var(--red); text-decoration: underline; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 24px;
  display: grid; gap: 8px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.6);
}
.footer-bottom p { margin: 0; }
.footer-bottom p:first-child {
  font-weight: 600;
  color: rgba(255, 255, 255, 0.88);
}

/* RESPONSIVE — TABLET+ */
@media (min-width: 768px) {
  .footer-inner {
    grid-template-columns: 1fr 2fr;
    gap: 56px;
  }
  .footer-bottom { grid-column: 1 / -1; }
}

/* RESPONSIVE — DESKTOP */
@media (min-width: 1024px) {
  .layout {
    grid-template-columns: 220px minmax(0, 1fr);
    gap: 48px;
    padding: 64px 20px 96px;
  }
  .toc {
    display: block;
    position: sticky;
    top: 88px;
    align-self: start;
    max-height: calc(100vh - 100px);
    overflow-y: auto;
    padding: 20px 18px;
    background: var(--bg-alt);
    border: 1px solid var(--rule);
    border-radius: var(--radius-lg);
    font-size: 13px;
  }
  .toc-heading {
    margin: 0 0 16px;
    font-size: 11px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
    color: var(--ink-3);
    padding-bottom: 12px;
    border-bottom: 1px solid var(--rule);
  }
  .toc ol {
    list-style: none; counter-reset: toc;
    margin: 0; padding: 0;
  }
  .toc li {
    counter-increment: toc;
    margin: 0;
  }
  .toc a {
    display: flex; align-items: baseline; gap: 10px;
    padding: 6px 0;
    color: var(--ink-2);
    text-decoration: none;
    font-weight: 500;
    line-height: 1.4;
    border-left: 2px solid transparent;
    padding-left: 12px;
    margin-left: -14px;
    transition: color 0.15s ease, border-color 0.15s ease;
  }
  .toc a::before {
    content: counter(toc, decimal-leading-zero);
    color: var(--ink-3);
    font-variant-numeric: tabular-nums;
    font-size: 12px;
    flex-shrink: 0;
  }
  .toc a:hover {
    color: var(--navy);
    border-left-color: var(--red);
  }
}

/* RESPONSIVE — MOBILE NAV */
@media (max-width: 767px) {
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .nav-list {
    display: none;
    position: absolute; left: 0; right: 0; top: 100%;
    background: var(--bg);
    border-bottom: 1px solid var(--rule);
    box-shadow: var(--shadow-md);
    flex-direction: column;
    padding: 12px 20px 20px;
    gap: 4px;
  }
  .nav-list.is-open { display: flex; }
  .nav-list a {
    display: block;
    padding: 12px 0;
    font-size: 16px;
    border-bottom: 1px solid var(--rule);
  }
  .nav-list li:last-child a { border-bottom: 0; }
  .nav-list a::after { display: none; }

  .hero { padding: 48px 0 56px; }
  .trust-grid { gap: 16px; }
  .doc-section h3 { font-size: 19px; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}