*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#f7f7fb;
  --fg:#2b2545;
  --card:#ffffff;
  --primary:#7c5cbf;
  --primary-fg:#ffffff;
  --secondary:#ede8f8;
  --muted:#e8e4f4;
  --muted-fg:#7a7490;
  --border:#ddd8ef;
  --success:#2a9d6e;
  --destructive:#d94f3d;
  --lavender:#c0aedd;
  --grad-hero:linear-gradient(160deg,#f2edfb 0%,#e9e2f7 50%,#f0ecfb 100%);
  --grad-primary:linear-gradient(135deg,#7c5cbf 0%,#9b7dd4 100%);
  --fh:'Plus Jakarta Sans',sans-serif;
  --fb:'Inter',sans-serif;
  --shadow-sm:0 2px 8px rgba(100,80,160,.08);
  --shadow-md:0 6px 24px rgba(100,80,160,.12);
  --shadow-lg:0 16px 48px rgba(100,80,160,.16);
  --radius:0.75rem;
}
html{scroll-behavior:smooth}
body{font-family:var(--fb);background:var(--bg);color:var(--fg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5,h6{font-family:var(--fh);line-height:1.25}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{max-width:1160px;margin:0 auto;padding:0 1.5rem}

/* ── NAV ── */
nav{
  position:fixed;top:var(--risk-h,40px);left:0;right:0;z-index:100;
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(16px);
  -webkit-backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(200,190,230,0.4);
  transition:top .35s ease,box-shadow .3s;
}
body.risk-hidden nav{top:0}
nav.scrolled{box-shadow:var(--shadow-md)}
.nav-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  height:72px;
  gap:2rem;
}
.nav-logo{
  display:flex;
  flex-direction:column;
  align-items:center;
  gap:0;
  text-decoration:none;
  flex-shrink:0;
}
.nav-logo img{
  height:52px;
  width:auto;
  object-fit:contain;
  display:block;
}
.nav-logo-text{
  font-family:var(--fh);
  font-weight:700;
  font-size:0.85rem;
  color:var(--fg);
  letter-spacing:0.01em;
  line-height:1;
  margin-top:2px;
}
.nav-logo-text em{font-style:normal;color:var(--primary)}
.nav-links{
  display:flex;
  align-items:center;
  gap:1.75rem;
  flex:1;
  justify-content:flex-end;
}
.nav-links a.nav-link{
  font-size:0.875rem;
  font-weight:500;
  color:var(--muted-fg);
  transition:color .2s;
  white-space:nowrap;
}
.nav-links a.nav-link:hover,
.nav-links a.nav-link.active{color:var(--primary)}
.nav-cta{
  background:var(--grad-primary);
  color:#fff !important;
  padding:0.5rem 1.1rem;
  border-radius:var(--radius);
  font-size:0.85rem;
  font-weight:600;
  transition:opacity .2s,transform .15s;
  white-space:nowrap;
}
.nav-cta:hover{opacity:0.9;transform:translateY(-1px)}
.hamburger{
  display:none;
  flex-direction:column;
  gap:5px;
  cursor:pointer;
  padding:6px;
  background:none;
  border:none;
  flex-shrink:0;
}
.hamburger span{
  display:block;width:22px;height:2px;
  background:var(--fg);border-radius:2px;
  transition:.3s;
}
.mob-menu{
  display:none;
  background:var(--card);
  border-bottom:1px solid var(--border);
  padding:.5rem 0 1rem;
}
.mob-menu.open{display:block}
.mob-menu a{
  display:block;padding:.75rem 1.5rem;
  font-size:.9rem;color:var(--muted-fg);
}
.mob-menu a:hover{color:var(--primary)}
.mob-menu-cta{
  display:block;
  margin:.5rem 1.5rem 0;
  text-align:center;
  background:var(--grad-primary);
  color:#fff;
  padding:.65rem 1rem;
  border-radius:var(--radius);
  font-size:.875rem;
  font-weight:600;
}

/* ── HERO ── */
.hero{
  background:var(--grad-hero);
  min-height:auto;
  display:flex;
  align-items:center;
  padding-top:calc(var(--risk-h,40px) + 72px);
  padding-bottom:3.5rem;
  position:relative;
  overflow:hidden;
}
.hero::before{
  content:'';
  position:absolute;
  top:-10%;right:-5%;
  width:50vw;height:80vh;
  background:radial-gradient(ellipse,rgba(140,100,210,.12) 0%,transparent 70%);
  pointer-events:none;
}
.hero-inner{
  padding:2.5rem 0 3rem;
  max-width:780px;
  margin:0 auto;
  text-align:center;
}
.badge{
  display:inline-flex;
  align-items:center;
  gap:.4rem;
  padding:.4rem 1.1rem;
  border-radius:999px;
  background:var(--secondary);
  color:var(--primary);
  font-size:.82rem;
  font-weight:600;
  letter-spacing:.02em;
  margin-bottom:1.75rem;
  border:1px solid rgba(130,90,200,.15);
}
.hero h1{
  font-size:clamp(2.4rem,5.5vw,3.75rem);
  font-weight:800;
  line-height:1.1;
  margin-bottom:1.5rem;
  color:var(--fg);
}
.hero h1 .accent{color:var(--primary)}
.hero-desc{
  font-size:1.1rem;
  color:var(--muted-fg);
  max-width:580px;
  margin:0 auto 2.75rem;
  line-height:1.75;
}
.hero-ctas{
  display:flex;
  flex-wrap:wrap;
  gap:1rem;
  justify-content:center;
  margin-bottom:4rem;
}
.btn-hero-primary{
  background:var(--grad-primary);
  color:#fff;
  padding:.875rem 2.25rem;
  border-radius:.875rem;
  font-size:1rem;
  font-weight:700;
  box-shadow:0 8px 28px rgba(120,80,200,.3);
  transition:transform .2s,box-shadow .2s;
  display:inline-block;
}
.btn-hero-primary:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 36px rgba(120,80,200,.38);
}
.btn-hero-secondary{
  background:var(--card);
  color:var(--fg);
  padding:.875rem 2rem;
  border-radius:.875rem;
  font-size:1rem;
  font-weight:600;
  border:1.5px solid var(--border);
  transition:border-color .2s,transform .2s;
  display:inline-block;
}
.btn-hero-secondary:hover{
  border-color:var(--primary);
  transform:translateY(-2px);
}
.stats-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1.25rem;
  max-width:580px;
  margin:0 auto;
}
.stat-card{
  background:rgba(255,255,255,.8);
  backdrop-filter:blur(8px);
  border-radius:1rem;
  padding:1.25rem 1rem;
  display:flex;
  flex-direction:column;
  align-items:center;
  gap:.5rem;
  box-shadow:var(--shadow-sm);
  border:1px solid rgba(200,185,235,.3);
}
.stat-icon{color:var(--primary)}
.stat-label{
  font-family:var(--fh);
  font-weight:700;
  font-size:.92rem;
  color:var(--fg);
}
.stat-desc{font-size:.78rem;color:var(--muted-fg)}

/* ── SECTIONS ── */
section{padding:4rem 0}
.sec-tag{
  font-size:.72rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.12em;
  color:var(--primary);display:block;
}
.sec-title{
  font-size:clamp(1.75rem,3vw,2.2rem);
  font-weight:700;margin:.5rem 0 .9rem;
}
.sec-desc{color:var(--muted-fg);max-width:580px;margin:0 auto;line-height:1.75}
.sec-hdr{text-align:center;max-width:680px;margin:0 auto 3.5rem}
.card{
  background:var(--card);
  border-radius:1.25rem;
  padding:2rem;
  border:1px solid var(--border);
  box-shadow:var(--shadow-sm);
}

/* ── HOW IT WORKS ── */
#how-it-works{background:var(--bg)}
.steps-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1.5rem;
  position:relative;
}
.steps-grid::before{
  content:'';
  position:absolute;
  top:36px;left:10%;right:10%;
  height:2px;
  background:linear-gradient(90deg,var(--secondary),var(--primary),var(--secondary));
  z-index:0;
}
.step-card{
  background:var(--card);
  border-radius:1.25rem;
  padding:1.5rem 1.25rem;
  border:1px solid var(--border);
  box-shadow:var(--shadow-sm);
  transition:box-shadow .25s,transform .25s;
  position:relative;
  z-index:1;
  text-align:center;
}
.step-card:hover{
  box-shadow:var(--shadow-lg);
  transform:translateY(-4px);
}
.step-icon-wrap{
  width:52px;height:52px;
  border-radius:50%;
  background:var(--secondary);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 1rem;
  color:var(--primary);
  border:2px solid rgba(130,90,200,.2);
}
.step-num{
  font-size:.68rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.1em;
  color:var(--primary);display:block;margin-bottom:.3rem;
}
.step-card h3{font-weight:700;font-size:1rem;margin-bottom:.5rem}
.step-card p{font-size:.855rem;color:var(--muted-fg);line-height:1.65}

/* ── CALCULATOR ── */
#calculator{background:var(--grad-hero)}
.calc-wrap{
  max-width:900px;margin:0 auto;
  background:var(--card);
  border-radius:1.5rem;
  border:1px solid var(--border);
  overflow:hidden;
  box-shadow:var(--shadow-lg);
}
.calc-grid{display:grid;grid-template-columns:1fr 1fr}
.calc-inputs{padding:2.5rem;display:flex;flex-direction:column;gap:2rem}
.c-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:.75rem}
.c-label span:first-child{font-size:.875rem;font-weight:500;color:var(--fg)}
.c-val{font-family:var(--fh);font-weight:700;font-size:1.1rem;color:var(--primary)}
input[type=range]{
  width:100%;height:5px;border-radius:999px;
  appearance:none;-webkit-appearance:none;
  background:var(--muted);cursor:pointer;
  outline:none;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;
  width:20px;height:20px;border-radius:50%;
  background:var(--primary);
  box-shadow:0 2px 8px rgba(120,80,200,.4);
  cursor:pointer;
  border:2px solid #fff;
}
input[type=range]::-moz-range-thumb{
  width:20px;height:20px;border-radius:50%;
  background:var(--primary);border:2px solid #fff;
  cursor:pointer;
}
.sl-mm{display:flex;justify-content:space-between;margin-top:5px;font-size:.74rem;color:var(--muted-fg)}
.calc-results{
  background:var(--grad-primary);
  padding:2.5rem;
  display:flex;flex-direction:column;justify-content:center;
  color:#fff;
}
.calc-results h3{font-size:1rem;font-weight:600;opacity:.9;margin-bottom:1.75rem}
.r-item{margin-bottom:1.25rem}
.r-lbl{font-size:.82rem;opacity:.72;margin-bottom:.3rem;display:flex;align-items:center;gap:.35rem}
.r-val{font-family:var(--fh);font-weight:700}
.r-val.lg{font-size:1.9rem}
.r-val.xl{font-size:2.5rem;line-height:1}
.r-div{border-top:1px solid rgba(255,255,255,.2);margin:1.25rem 0}
.r-note{font-size:.73rem;opacity:.58;margin-top:1.5rem;line-height:1.6}

/* ── ELIGIBILITY ── */
#eligibility{background:var(--bg)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:2rem;max-width:880px;margin:0 auto}
.elig-card h3{
  font-weight:700;font-size:1.05rem;
  margin-bottom:1.5rem;
  display:flex;align-items:center;gap:.6rem;
}
.iw{
  width:30px;height:30px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.elig-card ul{list-style:none;display:flex;flex-direction:column;gap:.9rem}
.elig-card li{
  display:flex;align-items:flex-start;gap:.7rem;
  font-size:.875rem;color:var(--muted-fg);line-height:1.55;
}
.ci{color:var(--success);flex-shrink:0;margin-top:1px}
.xi{color:var(--destructive);flex-shrink:0;margin-top:1px}

/* ── PROS CONS ── */
#pros-cons{background:var(--grad-hero)}
.ds{width:6px;height:6px;border-radius:50%;background:var(--success);margin-top:8px;flex-shrink:0}
.dd{width:6px;height:6px;border-radius:50%;background:var(--destructive);margin-top:8px;flex-shrink:0}

/* ── FAQ ── */
#faq{background:var(--bg)}
.faq-list{max-width:740px;margin:0 auto;display:flex;flex-direction:column;gap:.6rem}
.faq-item{
  background:var(--card);border-radius:1rem;
  border:1px solid var(--border);
  overflow:hidden;
  box-shadow:var(--shadow-sm);
  transition:box-shadow .2s;
}
.faq-item:hover{box-shadow:var(--shadow-md)}
.faq-q{
  width:100%;text-align:left;
  padding:1.2rem 1.5rem;
  font-family:var(--fh);font-weight:600;font-size:.925rem;
  background:none;border:none;cursor:pointer;
  color:var(--fg);
  display:flex;justify-content:space-between;align-items:center;gap:1rem;
  transition:color .2s;
}
.faq-q:hover{color:var(--primary)}
.chev{
  font-size:1rem;transition:transform .3s;
  color:var(--primary);flex-shrink:0;
  width:20px;height:20px;
  display:flex;align-items:center;justify-content:center;
}
.faq-q.open .chev{transform:rotate(180deg)}
.faq-a{
  max-height:0;overflow:hidden;
  transition:max-height .35s ease,padding .35s ease;
  padding:0 1.5rem;
  font-size:.9rem;color:var(--muted-fg);line-height:1.75;
}
.faq-a.open{max-height:300px;padding:.25rem 1.5rem 1.25rem}
.faq-a a{color:var(--primary);font-weight:600;border-bottom:1px solid rgba(124,92,191,.3)}
.faq-a a:hover{border-color:var(--primary)}

/* ── DETAIL PAGES ── */
.page-hero{
  background:var(--grad-hero);
  padding:7.5rem 0 3.5rem;
  text-align:center;
  position:relative;overflow:hidden;
}
.page-hero::after{
  content:'';position:absolute;
  bottom:-2px;left:0;right:0;height:40px;
  background:var(--bg);
  clip-path:ellipse(55% 100% at 50% 100%);
}
.page-hero .badge{margin-bottom:1rem}
.page-hero h1{
  font-size:clamp(1.9rem,4vw,2.75rem);
  font-weight:800;max-width:680px;margin:.5rem auto 1rem;
}
.page-hero p{color:var(--muted-fg);max-width:580px;margin:0 auto;font-size:1rem;line-height:1.75}
.prose-section{background:var(--bg);padding:3.5rem 0 5rem}
.prose-wrap{max-width:800px;margin:0 auto}
.prose-wrap h2{
  font-size:1.35rem;font-weight:700;
  margin:2.5rem 0 .9rem;color:var(--fg);
  padding-bottom:.5rem;
  border-bottom:2px solid var(--secondary);
}
.prose-wrap h2:first-of-type{margin-top:0}
.prose-wrap p{
  color:var(--muted-fg);margin-bottom:1.2rem;
  line-height:1.85;font-size:.96rem;
}
.prose-wrap ul{
  list-style:none;
  display:flex;flex-direction:column;gap:.7rem;
  margin-bottom:1.5rem;padding-left:.25rem;
}
.prose-wrap ul li{
  display:flex;align-items:flex-start;gap:.75rem;
  font-size:.95rem;color:var(--muted-fg);line-height:1.65;
}
.prose-wrap ul li::before{
  content:'';display:block;
  width:6px;height:6px;border-radius:50%;
  background:var(--primary);margin-top:.55rem;flex-shrink:0;
}
.callout{
  background:var(--secondary);
  border-left:3px solid var(--primary);
  border-radius:0 .875rem .875rem 0;
  padding:1.2rem 1.5rem;margin:1.75rem 0;
}
.callout p{color:var(--fg);margin:0;font-size:.9rem;line-height:1.7}
.back-link{
  display:inline-flex;align-items:center;gap:.4rem;
  color:var(--primary);font-weight:600;font-size:.875rem;
  margin-bottom:2rem;opacity:.85;
  transition:opacity .2s;
}
.back-link:hover{opacity:1}
.related-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(230px,1fr));
  gap:1.15rem;margin-top:1.5rem;
}
.related-card{
  background:var(--card);border-radius:1rem;padding:1.4rem;
  border:1px solid var(--border);box-shadow:var(--shadow-sm);
  transition:box-shadow .25s,transform .2s;display:block;
}
.related-card:hover{
  box-shadow:var(--shadow-md);transform:translateY(-2px);
}
.related-card .rc-tag{
  font-size:.68rem;font-weight:700;
  text-transform:uppercase;letter-spacing:.08em;
  color:var(--primary);display:block;margin-bottom:.4rem;
}
.related-card h3{font-size:.95rem;font-weight:700;margin-bottom:.4rem}
.related-card p{font-size:.82rem;color:var(--muted-fg);line-height:1.5}

/* ── FOOTER ── */
footer{background:var(--fg);color:#fff;padding:4.5rem 0 2.5rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2.5rem;margin-bottom:3rem}
.footer-logo-wrap{margin-bottom:1rem}
.footer-logo-wrap img{
  height:56px;width:auto;
  object-fit:contain;
  filter:brightness(0) invert(1);
  opacity:.92;
}
.footer-brand{
  font-family:var(--fh);font-weight:700;font-size:1.05rem;
  margin-top:.25rem;opacity:.9;
}
.footer-brand em{font-style:normal;color:var(--lavender)}
footer p.footer-tagline{font-size:.875rem;opacity:.6;line-height:1.7;max-width:260px}
footer h4{font-family:var(--fh);font-weight:600;margin-bottom:.9rem;font-size:.95rem}
footer ul{
  list-style:none;display:flex;flex-direction:column;gap:.45rem;
}
footer ul a{font-size:.855rem;opacity:.65;transition:opacity .2s}
footer ul a:hover{opacity:1}
.foot-bot{
  border-top:1px solid rgba(255,255,255,.1);
  padding-top:2rem;
  display:flex;flex-wrap:wrap;
  justify-content:space-between;gap:1rem;
}
.foot-bot p{font-size:.75rem;opacity:.45}

/* ── ANIMATIONS ── */
.fade-up{
  opacity:0;transform:translateY(28px);
  transition:opacity .65s ease,transform .65s ease;
}
.fade-up.visible{opacity:1;transform:translateY(0)}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .steps-grid{grid-template-columns:1fr 1fr}
  .steps-grid::before{display:none}
  .calc-grid{grid-template-columns:1fr}
}
@media(max-width:768px){
  .nav-links{display:none}
  .hamburger{display:flex}
  .two-col{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:520px){
  .stats-grid{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:1fr}
}

.timeline{position:relative;padding-left:2.25rem;margin:1.5rem 0 2rem}
.timeline::before{content:'';position:absolute;left:7px;top:8px;bottom:8px;width:2px;background:linear-gradient(180deg,var(--primary),var(--secondary))}
.tl-item{position:relative;margin-bottom:1.75rem}
.tl-item:last-child{margin-bottom:0}
.tl-dot{position:absolute;left:-2.25rem;top:5px;width:14px;height:14px;border-radius:50%;background:var(--primary);border:2px solid #fff;box-shadow:0 0 0 2px var(--primary)}
.tl-phase{font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--primary);margin-bottom:.2rem}
.tl-title{font-family:var(--fh);font-weight:700;font-size:.98rem;margin-bottom:.35rem}
.tl-desc{font-size:.875rem;color:var(--muted-fg);line-height:1.7}
.consider-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.25rem;margin:1.5rem 0}
.consider-card{border-radius:1.1rem;padding:1.5rem;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.consider-card.warn{background:#fff8f0;border-color:#f4c27a}
.consider-card.info{background:#f0f6ff;border-color:#a8c4f0}
.consider-card.ok{background:#f0faf5;border-color:#86d4ad}
.consider-icon{font-size:1.4rem;margin-bottom:.75rem}
.consider-card h3{font-family:var(--fh);font-weight:700;font-size:.975rem;margin-bottom:.5rem}
.consider-card p{font-size:.855rem;color:#5a5570;line-height:1.65}
.consider-card p a{color:var(--primary);font-weight:600}
.comp-wrap{overflow-x:auto;margin:1.5rem 0;border-radius:1rem;box-shadow:var(--shadow-md);border:1px solid var(--border)}
.comp-table{width:100%;border-collapse:collapse;min-width:680px;background:var(--card)}
.comp-table th{background:var(--grad-primary);color:#fff;padding:.875rem 1rem;font-family:var(--fh);font-weight:600;font-size:.85rem;text-align:left}
.comp-table th:first-child{min-width:160px}
.comp-table td{padding:.775rem 1rem;font-size:.845rem;border-bottom:1px solid var(--border);vertical-align:top;line-height:1.55}
.comp-table tr:last-child td{border-bottom:none}
.comp-table tr:nth-child(even) td{background:#faf9fd}
.comp-table td:first-child{font-weight:600;color:var(--fg)}
.tick{color:var(--success);font-weight:700}
.cross{color:var(--destructive);font-weight:700}
.part{color:#d4870a;font-weight:700}
.comp-table .highlighted td{background:var(--secondary) !important;border-left:3px solid var(--primary)}
.sol-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;margin:2rem 0}
.sol-card{background:var(--card);border-radius:1.25rem;padding:1.75rem;border:1px solid var(--border);box-shadow:var(--shadow-sm);transition:box-shadow .25s,transform .2s;display:flex;flex-direction:column}
.sol-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.sol-card.featured{border-color:var(--primary);box-shadow:0 0 0 2px rgba(124,92,191,.18),var(--shadow-md)}
.sol-badge{display:inline-block;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:.25rem .65rem;border-radius:999px;margin-bottom:.9rem}
.sol-badge.recommended{background:var(--secondary);color:var(--primary)}
.sol-badge.neutral{background:#eef2ff;color:#4060b0}
.sol-badge.formal{background:#fff0f5;color:#b03060}
.sol-card h3{font-family:var(--fh);font-weight:700;font-size:1.05rem;margin-bottom:.5rem}
.sol-card>p{font-size:.865rem;color:var(--muted-fg);line-height:1.6;flex:1}
.sol-meta{display:flex;gap:1.25rem;margin:.9rem 0;flex-wrap:wrap}
.sol-meta-item{display:flex;flex-direction:column;gap:.1rem}
.sol-meta-item .lbl{font-size:.68rem;color:var(--muted-fg);text-transform:uppercase;letter-spacing:.07em;font-weight:600}
.sol-meta-item strong{font-size:.84rem;color:var(--fg)}
.sol-best{font-size:.82rem;color:var(--muted-fg);padding:.75rem;background:var(--secondary);border-radius:.6rem;line-height:1.55;margin-bottom:.75rem}
.sol-best strong{color:var(--fg)}
.sol-link{display:inline-flex;align-items:center;gap:.35rem;color:var(--primary);font-size:.875rem;font-weight:600;margin-top:.5rem;transition:gap .2s}
.sol-link:hover{gap:.55rem}
.tool-section{background:var(--grad-hero);padding:3.5rem 0}
.tool-wrap{max-width:880px;margin:0 auto;background:var(--card);border-radius:1.5rem;border:1px solid var(--border);overflow:hidden;box-shadow:var(--shadow-lg)}
.tool-header{background:var(--grad-primary);padding:1.75rem 2.5rem;color:#fff}
.tool-header h3{font-family:var(--fh);font-size:1.15rem;font-weight:700;margin-bottom:.25rem}
.tool-header p{opacity:.78;font-size:.875rem}
.tool-body{padding:2rem 2.5rem}
.tool-questions{display:flex;flex-direction:column;gap:1.25rem;margin-bottom:1.5rem}
.tool-q label{display:block;font-size:.875rem;font-weight:600;color:var(--fg);margin-bottom:.55rem}
.opts{display:flex;flex-wrap:wrap;gap:.5rem}
.opt{padding:.42rem 1rem;border-radius:999px;border:1.5px solid var(--border);font-size:.83rem;font-weight:500;cursor:pointer;transition:all .18s;background:var(--bg);color:var(--muted-fg);font-family:var(--fb)}
.opt:hover{border-color:var(--primary);color:var(--primary)}
.opt.selected{background:var(--grad-primary);color:#fff;border-color:transparent}
.tool-result{display:none;border-top:1px solid var(--border);padding-top:1.75rem;margin-top:.5rem}
.tool-result.show{display:block}
.result-bar-wrap{margin:.7rem 0 1.1rem}
.result-bar-label{display:flex;justify-content:space-between;font-size:.8rem;margin-bottom:.35rem;color:var(--fg)}
.result-bar-label span:last-child{font-weight:700;color:var(--primary)}
.result-bar-track{height:9px;border-radius:999px;background:var(--muted);overflow:hidden}
.result-bar-fill{height:100%;border-radius:999px;background:var(--grad-primary);transition:width 1.1s ease;width:0}
.result-verdict{padding:1.2rem 1.4rem;border-radius:1rem;margin:1rem 0 1.4rem}
.result-verdict.good{background:#f0faf5;border:1px solid #86d4ad}
.result-verdict.ok{background:#fffbf0;border:1px solid #e8c84a}
.result-verdict.low{background:#fff5f5;border:1px solid #f0a8a8}
.result-verdict h4{font-family:var(--fh);font-weight:700;margin-bottom:.4rem;font-size:.975rem}
.result-verdict p{font-size:.875rem;color:#5a5570;line-height:1.65;margin:0}
.result-verdict p a{color:var(--primary);font-weight:600}
.debt-type-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(195px,1fr));gap:1rem;margin:1rem 0 2rem}
.debt-type-card{background:var(--card);border-radius:.875rem;padding:1.1rem 1.2rem;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.dt-label{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--primary);margin-bottom:.3rem}
.debt-type-card h4{font-size:.92rem;font-weight:700;margin-bottom:.25rem}
.debt-type-card p{font-size:.8rem;color:var(--muted-fg);line-height:1.5}
.hiw-extra{background:var(--bg);padding:4rem 0 5.5rem}
.process-detail{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:1.75rem}
.pd-card{background:var(--card);border-radius:1.1rem;padding:1.5rem;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.pd-card h3{font-family:var(--fh);font-weight:700;font-size:.975rem;margin-bottom:.8rem;color:var(--fg)}
.pd-card ul{list-style:none;display:flex;flex-direction:column;gap:.6rem}
.pd-card ul li{font-size:.855rem;color:var(--muted-fg);display:flex;align-items:flex-start;gap:.6rem;line-height:1.6}
.pd-card ul li::before{content:"";display:block;width:5px;height:5px;border-radius:50%;background:var(--primary);margin-top:.55rem;flex-shrink:0}
.prose-section{background:var(--bg);padding:3.5rem 0 5rem}
.prose-wrap{max-width:800px;margin:0 auto}
.prose-wrap h2{font-size:1.3rem;font-weight:700;margin:2.5rem 0 .875rem;color:var(--fg);padding-bottom:.5rem;border-bottom:2px solid var(--secondary)}
.prose-wrap h2:first-of-type{margin-top:0}
.prose-wrap p{color:var(--muted-fg);margin-bottom:1.15rem;line-height:1.85;font-size:.955rem}
.prose-wrap ul{list-style:none;display:flex;flex-direction:column;gap:.65rem;margin-bottom:1.5rem;padding-left:.2rem}
.prose-wrap ul li{display:flex;align-items:flex-start;gap:.75rem;font-size:.945rem;color:var(--muted-fg);line-height:1.65}
.prose-wrap ul li::before{content:'';display:block;width:6px;height:6px;border-radius:50%;background:var(--primary);margin-top:.52rem;flex-shrink:0}
.callout{background:var(--secondary);border-left:3px solid var(--primary);border-radius:0 .875rem .875rem 0;padding:1.15rem 1.5rem;margin:1.75rem 0}
.callout p{color:var(--fg);margin:0;font-size:.9rem;line-height:1.7}
.back-link{display:inline-flex;align-items:center;gap:.4rem;color:var(--primary);font-weight:600;font-size:.875rem;margin-bottom:2rem;opacity:.85;transition:opacity .2s}
.back-link:hover{opacity:1}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.15rem;margin-top:1.5rem}
.related-card{background:var(--card);border-radius:1rem;padding:1.4rem;border:1px solid var(--border);box-shadow:var(--shadow-sm);transition:box-shadow .25s,transform .2s;display:block}
.related-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.related-card .rc-tag{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--primary);display:block;margin-bottom:.4rem}
.related-card h3{font-size:.95rem;font-weight:700;margin-bottom:.4rem}
.related-card p{font-size:.82rem;color:var(--muted-fg);line-height:1.5}
.page-hero{background:var(--grad-hero);padding:8rem 0 3.5rem;text-align:center;position:relative;overflow:hidden}
.page-hero::after{content:'';position:absolute;bottom:-2px;left:0;right:0;height:40px;background:var(--bg);clip-path:ellipse(55% 100% at 50% 100%)}
.page-hero .badge{margin-bottom:1rem}
.page-hero h1{font-size:clamp(1.9rem,4vw,2.75rem);font-weight:800;max-width:680px;margin:.5rem auto 1rem}
.page-hero p{color:var(--muted-fg);max-width:580px;margin:0 auto;font-size:1rem;line-height:1.75}
@media(max-width:900px){.process-detail{grid-template-columns:1fr}}
@media(max-width:768px){.comp-table{min-width:600px}.tool-body{padding:1.5rem}}

/* ── Sitemap page ────────────────────────────────────────── */
.sitemap-hero{background:var(--grad-hero);padding:7rem 0 3rem;text-align:center}
.sitemap-hero h1{font-size:clamp(2rem,4vw,2.75rem);font-weight:800;margin:.5rem 0 1rem}
.sitemap-hero p{color:var(--muted-fg);max-width:520px;margin:0 auto}
.sitemap-body{background:var(--bg);padding:4rem 0 6rem}
.sitemap-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:2rem;max-width:1100px;margin:0 auto}
.sm-group{background:var(--card);border-radius:1.25rem;padding:1.75rem;border:1px solid var(--border);box-shadow:var(--shadow-sm)}
.sm-group-title{display:flex;align-items:center;gap:.6rem;font-family:var(--fh);font-weight:700;font-size:1rem;margin-bottom:1.25rem;padding-bottom:.75rem;border-bottom:2px solid var(--secondary);color:var(--fg)}
.sm-group-icon{width:32px;height:32px;border-radius:8px;background:var(--secondary);display:flex;align-items:center;justify-content:center;color:var(--primary);flex-shrink:0}
.sm-links{list-style:none;display:flex;flex-direction:column;gap:.5rem}
.sm-links li a{display:flex;align-items:flex-start;gap:.6rem;padding:.5rem .6rem;border-radius:.5rem;transition:background .15s;color:var(--fg);font-size:.9rem;line-height:1.4}
.sm-links li a:hover{background:var(--secondary);color:var(--primary)}
.sm-links li a .sm-arrow{color:var(--primary);flex-shrink:0;margin-top:1px;opacity:.6}
.sm-links li a .sm-text{display:flex;flex-direction:column;gap:.15rem}
.sm-links li a .sm-name{font-weight:600}
.sm-links li a .sm-desc{font-size:.78rem;color:var(--muted-fg)}

.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ── FCA COMPLIANCE STYLES ──────────────────────────────────── */

/* Risk warning bar - top of every page */
.risk-bar{
  background:#2b2545;
  color:rgba(255,255,255,.82);
  font-size:.72rem;
  line-height:1.5;
  padding:.55rem 0;
  text-align:center;
  position:fixed;
  top:0;left:0;right:0;
  z-index:150;
  transform:translateY(0);
  transition:transform .35s ease;
  will-change:transform;
}
body.risk-hidden .risk-bar{transform:translateY(-100%)}
.risk-bar a{color:var(--lavender);text-decoration:underline}
.risk-bar strong{color:#fff}

/* Regulatory status banner */
.reg-banner{
  background:#f0ecfb;
  border-bottom:1px solid var(--border);
  padding:.6rem 0;
  font-size:.78rem;
  color:var(--muted-fg);
  text-align:center;
}
.reg-banner a{color:var(--primary);font-weight:600}

/* FCA disclaimer block - used inline near tools/claims */
.fca-disclaimer{
  background:#faf9fd;
  border:1px solid var(--border);
  border-left:3px solid var(--primary);
  border-radius:0 .75rem .75rem 0;
  padding:1rem 1.25rem;
  font-size:.8rem;
  color:var(--muted-fg);
  line-height:1.65;
  margin:1rem 0;
}
.fca-disclaimer strong{color:var(--fg)}
.fca-disclaimer a{color:var(--primary);text-decoration:underline}

/* Risk warning box - prominent, used near key claims */
.risk-warning{
  background:#fff8e6;
  border:1px solid #e8b84a;
  border-radius:.875rem;
  padding:1.15rem 1.4rem;
  font-size:.855rem;
  color:#5a4a0a;
  line-height:1.65;
  margin:1.5rem 0;
  display:flex;
  gap:.75rem;
  align-items:flex-start;
}
.risk-warning-icon{
  flex-shrink:0;
  width:20px;height:20px;
  color:#c07800;
  margin-top:1px;
}
.risk-warning p{margin:0}
.risk-warning strong{color:#3d3000}

/* Free debt advice section */
.free-advice-section{
  background:#f0faf5;
  border:1px solid #86d4ad;
  border-radius:1.1rem;
  padding:1.5rem;
  margin:2rem 0;
}
.free-advice-section h3{
  font-family:var(--fh);
  font-weight:700;
  font-size:1rem;
  color:var(--fg);
  margin-bottom:.75rem;
  display:flex;
  align-items:center;
  gap:.5rem;
}
.free-advice-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(200px,1fr));
  gap:.75rem;
  margin-top:.75rem;
}
.advice-org{
  background:#fff;
  border-radius:.6rem;
  padding:.8rem 1rem;
  border:1px solid #a8d8bc;
  font-size:.83rem;
}
.advice-org strong{display:block;font-weight:700;color:var(--fg);margin-bottom:.15rem}
.advice-org span{color:var(--muted-fg);font-size:.78rem}
.advice-org a{color:var(--success);font-weight:600;text-decoration:none}
.advice-org a:hover{text-decoration:underline}

/* Footer compliance section */
.footer-compliance{
  border-top:1px solid rgba(255,255,255,.08);
  padding-top:1.75rem;
  margin-top:1.75rem;
  font-size:.76rem;
  opacity:.55;
  line-height:1.7;
}
.footer-compliance a{color:rgba(255,255,255,.7);text-decoration:underline}
.footer-compliance strong{opacity:.8}

/* Cookie consent banner */
.cookie-bar{
  position:fixed;
  bottom:0;left:0;right:0;
  background:#1e1a38;
  color:rgba(255,255,255,.9);
  padding:1rem 1.5rem;
  z-index:9999;
  display:flex;
  align-items:center;
  gap:1.5rem;
  flex-wrap:wrap;
  font-size:.83rem;
  line-height:1.5;
  box-shadow:0 -4px 24px rgba(0,0,0,.3);
}
.cookie-bar p{margin:0;flex:1;min-width:250px}
.cookie-bar a{color:var(--lavender);text-decoration:underline}
.cookie-btns{display:flex;gap:.6rem;flex-shrink:0}
.cookie-btn-accept{
  background:var(--grad-primary);
  color:#fff;
  border:none;
  padding:.45rem 1.1rem;
  border-radius:.5rem;
  font-size:.83rem;
  font-weight:600;
  cursor:pointer;
}
.cookie-btn-reject{
  background:transparent;
  color:rgba(255,255,255,.7);
  border:1px solid rgba(255,255,255,.25);
  padding:.45rem 1rem;
  border-radius:.5rem;
  font-size:.83rem;
  cursor:pointer;
}
.cookie-btn-reject:hover{color:#fff;border-color:rgba(255,255,255,.5)}

/* Complaints & legal pages */
.legal-content{max-width:820px;margin:0 auto}
.legal-content h2{font-size:1.25rem;font-weight:700;margin:2rem 0 .75rem;padding-bottom:.5rem;border-bottom:2px solid var(--secondary)}
.legal-content h2:first-of-type{margin-top:0}
.legal-content p{color:var(--muted-fg);line-height:1.85;margin-bottom:1rem;font-size:.95rem}
.legal-content ul{list-style:none;padding-left:.5rem;margin-bottom:1.25rem}
.legal-content ul li{color:var(--muted-fg);font-size:.95rem;line-height:1.7;padding:.25rem 0;padding-left:1.1rem;position:relative}
.legal-content ul li::before{content:"";position:absolute;left:0;top:.7rem;width:5px;height:5px;border-radius:50%;background:var(--primary)}
.legal-content a{color:var(--primary);font-weight:600}

/* Tooltip for stat claims */
.stat-caveat{font-size:.72rem;color:var(--muted-fg);margin-top:1.25rem;opacity:.75;line-height:1.5}

/* Calculator enhanced disclaimer */
.calc-risk{
  background:rgba(255,255,255,.12);
  border-radius:.6rem;
  padding:.9rem 1rem;
  margin-top:1.25rem;
  font-size:.76rem;
  line-height:1.6;
  opacity:.85;
  border:1px solid rgba(255,255,255,.15);
}

/* ── Hero entrance animation (CSS, no scroll trigger needed) ── */
@keyframes heroFadeUp {
  from { opacity:0; transform:translateY(22px) }
  to   { opacity:1; transform:translateY(0) }
}
.hero-anim {
  opacity:0;
  animation: heroFadeUp .7s ease forwards;
}