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

html {
  scroll-behavior: smooth;
}

body.page-body {
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: radial-gradient(circle at top left, #f3f8ff 0, #ffffff 40%, #f9fbff 100%);
  color: #1b2838;
  line-height: 1.6;
}

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

a {
  text-decoration: none;
  color: inherit;
}

.shell {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* HEADER */

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  backdrop-filter: blur(14px);
  background: color-mix(in srgb, #ffffff 88%, #e3f2fd 12%);
  border-bottom: 1px solid rgba(151, 171, 199, 0.25);
}

.brand-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
}

.brand-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: "DM Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: #123b6b;
  transition: transform 0.2s ease, color 0.2s ease;
}

.brand-mark {
  width: 18px;
  height: 18px;
  border-radius: 999px;
  background: conic-gradient(from 180deg, #3fb7ff, #94d560, #f8c24e, #3fb7ff);
}

.brand-title {
  font-size: 1.1rem;
}

.brand-link:hover {
  transform: translateY(-1px);
  color: #0b2950;
}

/* HERO / INTRO */

.page-main {
  padding-bottom: 80px;
}

.intro-hero {
  position: relative;
  overflow: hidden;
  padding: 64px 0 40px;
}

.intro-shell {
  position: relative;
}

.intro-hero::before {
  content: "";
  position: absolute;
  inset: -20%;
  background-image: radial-gradient(circle at 10% 0%, rgba(63, 183, 255, 0.18) 0, transparent 55%),
    radial-gradient(circle at 80% 20%, rgba(148, 213, 96, 0.16) 0, transparent 60%),
    radial-gradient(circle at 50% 100%, rgba(248, 194, 78, 0.16) 0, transparent 55%);
  opacity: 0.95;
  pointer-events: none;
  z-index: -1;
}

.intro-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.7fr) minmax(0, 1.1fr);
  gap: 40px;
  align-items: center;
}

.intro-copy {
  animation: introFade 0.9s ease-out both;
}

.intro-title {
  font-size: clamp(2.1rem, 3vw, 2.7rem);
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: #0b2950;
  margin-bottom: 18px;
}

.intro-text {
  font-size: 1rem;
  color: #41516a;
  max-width: 40rem;
}

.intro-text + .intro-text {
  margin-top: 10px;
}

.intro-text--muted {
  color: #63728a;
  font-size: 0.96rem;
}

.intro-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 24px;
  padding: 11px 24px;
  border-radius: 999px;
  border: 1px solid rgba(63, 183, 255, 0.5);
  background: linear-gradient(135deg, #3fb7ff, #94d560);
  color: #041223;
  font-weight: 600;
  font-size: 0.98rem;
  box-shadow: 0 14px 35px rgba(17, 60, 116, 0.18);
  transform: translateY(0);
  transition: transform 0.16s ease, box-shadow 0.18s ease, filter 0.18s ease;
}

.intro-cta:hover {
  transform: translateY(-2px);
  filter: brightness(1.02);
  box-shadow: 0 18px 42px rgba(17, 60, 116, 0.24);
}

.intro-cta:active {
  transform: translateY(0);
  box-shadow: 0 8px 24px rgba(17, 60, 116, 0.2);
}

.intro-panel {
  display: flex;
  justify-content: flex-end;
}

.hero-stat-card {
  width: 100%;
  max-width: 320px;
  background: rgba(255, 255, 255, 0.82);
  border-radius: 24px;
  border: 1px solid rgba(171, 187, 211, 0.45);
  box-shadow: 0 18px 48px rgba(25, 60, 92, 0.18);
  padding: 20px 22px 22px;
  backdrop-filter: blur(16px);
  transform: translateY(8px);
  animation: cardFloat 1.8s ease-in-out 0.4s both;
}

.hero-stat-label {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #6a7a92;
  margin-bottom: 8px;
}

.hero-stat-value {
  font-size: 1.02rem;
  font-weight: 600;
  color: #0b2950;
  margin-bottom: 10px;
}

.hero-stat-footnote {
  font-size: 0.86rem;
  color: #6a7a92;
}

/* SECTION HEADERS */

.section-headline {
  margin-top: 8px;
  margin-bottom: 24px;
}

.section-title {
  font-size: 1.6rem;
  color: #0f2944;
  margin-bottom: 6px;
}

.section-subtitle {
  font-size: 0.98rem;
  color: #5a6b84;
  max-width: 40rem;
}

/* BROKER CARDS */

.broker-showcase {
  padding: 24px 0 32px;
}

.broker-carousel {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: minmax(260px, 1fr);
  gap: 20px;
  overflow-x: auto;
  padding-bottom: 6px;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
}

.broker-carousel::-webkit-scrollbar {
  height: 6px;
}

.broker-carousel::-webkit-scrollbar-track {
  background: rgba(212, 222, 237, 0.5);
  border-radius: 999px;
}

.broker-carousel::-webkit-scrollbar-thumb {
  background: linear-gradient(90deg, #3fb7ff, #94d560);
  border-radius: 999px;
}

.broker-card {
  position: relative;
  scroll-snap-align: start;
  background: #ffffff;
  border-radius: 20px;
  border: 1px solid rgba(185, 200, 221, 0.6);
  box-shadow: 0 16px 40px rgba(15, 26, 56, 0.08);
  padding: 18px 18px 16px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  min-height: 260px;
  transform-origin: center bottom;
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.broker-card:hover {
  transform: translateY(-4px) scale(1.01);
  border-color: rgba(63, 183, 255, 0.8);
  box-shadow: 0 22px 60px rgba(6, 44, 94, 0.22);
}

.broker-ribbon {
  position: absolute;
  top: 14px;
  left: 16px;
  padding: 2px 10px;
  border-radius: 999px;
  background: linear-gradient(135deg, #f8c24e, #ffd88a);
  font-size: 0.78rem;
  font-weight: 600;
  color: #4a3204;
}

.broker-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 37px;
}

.broker-identity {
  display: flex;
  align-items: center;
  flex-direction: column;
  gap: 8px;
}

.broker-logo {
  width: 150px;
  height: auto;
}

.broker-rating {
  width: 76px;
  height: auto;
}

.broker-name {
  font-weight: 600;
  font-size: 0.98rem;
  color: #0f2944;
}

.broker-metrics {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 10px 10px 10px;
  border-radius: 14px;
  background: linear-gradient(135deg, #f4f8ff, #e9f5ff);
}

.broker-metric-row {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  font-size: 0.9rem;
}

.metric-label {
  color: #52627a;
}

.metric-value {
  font-weight: 600;
  color: #14355e;
}

.broker-highlights {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.9rem;
}

.highlight-row {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  color: #4c5b72;
}

.highlight-icon {
  width: 10px;
  margin-top: 6px;
}

.broker-actions {
  margin-top: 2px;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 9px 16px;
  border-radius: 999px;
  background: linear-gradient(135deg, #3fb7ff, #94d560);
  color: #041223;
  font-weight: 600;
  font-size: 0.9rem;
  border: none;
  cursor: pointer;
  box-shadow: 0 10px 30px rgba(18, 55, 85, 0.3);
  transform: translateY(0);
  transition: transform 0.16s ease, box-shadow 0.18s ease, filter 0.18s ease;
}

.btn-primary:hover {
  transform: translateY(-1px);
  filter: brightness(1.04);
  box-shadow: 0 16px 38px rgba(18, 55, 85, 0.34);
}

.btn-primary:active {
  transform: translateY(0);
  box-shadow: 0 8px 22px rgba(18, 55, 85, 0.25);
}

.btn-primary:focus-visible,
.intro-cta:focus-visible,
.faq-toggle:focus-visible,
.footer-nav a:focus-visible {
  outline: 3px solid #14355e;
  outline-offset: 3px;
}

/* FAQ */

.faq-strip {
  padding: 26px 0 40px;
  background: linear-gradient(180deg, #f6f9ff 0, #ffffff 70%);
}

.faq-list {
  margin-top: 10px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq-item {
  border-radius: 14px;
  background: #ffffff;
  border: 1px solid rgba(194, 205, 222, 0.8);
  box-shadow: 0 10px 28px rgba(8, 31, 63, 0.08);
  overflow: hidden;
}

.faq-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 14px 16px;
  border: none;
  background: transparent;
  cursor: pointer;
}

.faq-question {
  font-size: 0.98rem;
  font-weight: 600;
  color: #102541;
  text-align: left;
}

.faq-indicator {
  width: 28px;
  height: 28px;
  border-radius: 999px;
  border: 1px solid rgba(143, 162, 190, 0.9);
  position: relative;
}

.faq-indicator::before,
.faq-indicator::after {
  content: "";
  position: absolute;
  inset: 50%;
  transform: translate(-50%, -50%);
  background: #102541;
  border-radius: 999px;
  transition: transform 0.18s ease, opacity 0.18s ease;
}

.faq-indicator::before {
  width: 12px;
  height: 2px;
}

.faq-indicator::after {
  width: 2px;
  height: 12px;
}

.faq-item.is-open .faq-indicator::after {
  transform: translate(-50%, -50%) scaleY(0.1);
  opacity: 0;
}

.faq-panel {
  padding: 0 16px 14px;
  font-size: 0.92rem;
  color: #4b5b72;
  border-top: 1px solid rgba(226, 233, 244, 0.9);
  animation: faqReveal 0.22s ease-out;
}

/* FOOTER */

.site-footer {
  background: #0c1730;
  color: #f5f7fb;
}

.footer-main {
  padding-top: 24px;
  padding-bottom: 20px;
}

.footer-topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 20px;
}

.footer-brand .brand-link {
  color: #f5f7fb;
}

.footer-brand .brand-mark {
  background: conic-gradient(from 180deg, #ffffff, #94d560, #3fb7ff, #ffffff);
}

.footer-partner-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-partner-logos a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(9, 22, 51, 0.8);
  border: 1px solid rgba(110, 136, 187, 0.8);
  transition: background 0.18s ease, transform 0.18s ease;
}

.footer-partner-logos a:hover {
  background: rgba(24, 55, 108, 0.98);
  transform: translateY(-1px);
}

.footer-partner-logos img {
  max-height: 32px;
  width: auto;
}

.footer-disclaimers {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 16px;
  font-size: 0.86rem;
  color: #d7dff0;
}

.disclaimer-block {
  background: rgba(7, 17, 39, 0.9);
  border-radius: 12px;
  border: 1px solid rgba(82, 109, 159, 0.6);
  padding: 12px 14px;
}

.footer-base {
  border-top: 1px solid rgba(61, 84, 130, 0.9);
  padding: 10px 0 14px;
  background: #070f23;
}

.footer-nav {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 6px;
}

.footer-nav a {
  font-size: 0.88rem;
  color: #e4ebff;
  opacity: 0.92;
  position: relative;
}

.footer-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 0;
  height: 1px;
  background: linear-gradient(90deg, #3fb7ff, #94d560);
  transition: width 0.18s ease;
}

.footer-nav a:hover::after {
  width: 100%;
}

.footer-copy {
  text-align: center;
  font-size: 0.82rem;
  color: #c3ccea;
}

/* POLICY PAGES (shared) */

.policy-section {
  padding: 48px 0 54px;
}

.policy-section .policy-shell {
  max-width: 860px;
}

.policy-heading {
  font-size: 2.1rem;
  line-height: 1.2;
  text-align: center;
  margin-bottom: 18px;
  color: #0b2950;
}

.policy-intro {
  font-size: 0.98rem;
  color: #465570;
  text-align: center;
  margin: 0 auto 24px;
  max-width: 45rem;
}

.policy-block-title {
  font-size: 1.1rem;
  font-weight: 600;
  margin-top: 20px;
  margin-bottom: 6px;
  color: #102541;
}

.policy-text {
  font-size: 0.95rem;
  color: #44526a;
}

.policy-text + .policy-block-title {
  margin-top: 22px;
}

.policy-text a {
  color: #104a8a;
  text-decoration: underline;
}

/* ANIMATIONS */

@keyframes introFade {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes cardFloat {
  from {
    opacity: 0;
    transform: translateY(20px) scale(0.97);
  }
  50% {
    opacity: 1;
    transform: translateY(10px) scale(1);
  }
  to {
    opacity: 1;
    transform: translateY(8px) scale(1);
  }
}

@keyframes faqReveal {
  from {
    opacity: 0;
    transform: translateY(-4px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* RESPONSIVE */

@media (max-width: 992px) {
  .intro-layout {
    grid-template-columns: minmax(0, 1.6fr) minmax(0, 1.1fr);
    gap: 26px;
  }

  .hero-stat-card {
    max-width: 280px;
  }
}

@media (max-width: 768px) {
  .brand-bar {
    padding: 12px 0;
  }

  .intro-hero {
    padding-top: 40px;
  }

  .intro-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .intro-panel {
    justify-content: flex-start;
  }

  .hero-stat-card {
    max-width: 100%;
  }

  .broker-carousel {
    grid-auto-columns: 85%;
  }

  .footer-topbar {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer-disclaimers {
    grid-template-columns: 1fr;
  }

  .policy-heading {
    font-size: 1.7rem;
  }
}

@media (max-width: 480px) {
  .shell {
    padding: 0 16px;
  }

  .broker-carousel {
    grid-auto-columns: 88%;
  }

  .broker-card {
    padding: 16px 14px 14px;
  }

  .broker-header {
    flex-direction: column;
    align-items: flex-start;
  }

  .broker-metric-row {
    flex-direction: column;
    align-items: flex-start;
  }
}