:root {
  --bg: #edf1f6;
  --surface: #ffffff;
  --surface-soft: #f3f6fb;
  --text: #0a1424;
  --muted: #485971;
  --line: #ccd5e2;
  --line-strong: #b8c6d8;
  --primary: #0a3458;
  --primary-2: #0f456f;
  --accent: #9e7a35;
  --radius: 4px;
  --shadow-sm: 0 1px 2px rgba(8, 20, 38, 0.06);
  --shadow-md: 0 6px 14px rgba(10, 24, 44, 0.05);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Tahoma", "Segoe UI", Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
}

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

a:hover {
  text-decoration: underline;
}

.container {
  width: min(1120px, calc(100% - 2rem));
  margin-inline: auto;
}

.page-layout {
  display: block;
}

.page-main {
  min-width: 0;
}

.page-main .container {
  width: 100%;
  max-width: none;
  margin-inline: 0;
}

.page-toc {
  position: fixed;
  inset-inline-end: 16px;
  top: 88px;
  width: clamp(190px, 20vw, 220px);
  min-width: 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
  pointer-events: none;
  z-index: 20;
}

.page-toc__box {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 0.9rem;
  width: 100%;
  overflow-wrap: anywhere;
}

.page-toc__title {
  font-weight: 800;
  font-size: 0.9rem;
  margin-bottom: 0.6rem;
  color: var(--text);
}

.page-toc__nav {
  display: grid;
  gap: 0.25rem;
}

.page-toc__nav a {
  display: block;
  padding: 0.35rem 0.45rem;
  border-radius: 3px;
  color: #2f4762;
  font-weight: 600;
  font-size: 0.86rem;
  border-inline-start: 3px solid transparent;
}

.page-toc__nav a:hover {
  text-decoration: none;
  background: #f3f7fc;
  border-inline-start-color: var(--accent);
}

body.toc-visible .page-toc {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
  pointer-events: auto;
}

.back-to-top {
  position: fixed;
  right: 18px;
  bottom: 18px;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  background: #0b223a;
  color: #fff;
  font-size: 18px;
  line-height: 1;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
}

.back-to-top.is-visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.site-header {
  background: #0b223a;
  color: #fff;
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: 0 2px 8px rgba(4, 11, 20, 0.25);
}

.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.78rem 0;
}

.brand {
  font-weight: 700;
  letter-spacing: 0.35px;
  font-size: 1.05rem;
}

.top-nav {
  display: flex;
  gap: 0.8rem;
}

.top-nav a {
  color: #e3efff;
  font-size: 0.88rem;
  opacity: 0.95;
}

.top-nav a:hover {
  color: #fff;
  text-decoration: none;
}

.site-trust-strip {
  background: #f6f9fd;
  border-bottom: 1px solid var(--line);
}

.site-trust-strip__inner {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem 1.2rem;
  padding: 0.5rem 0;
  color: #38516d;
  font-size: 0.79rem;
}

.site-trust-strip__inner span {
  position: relative;
  padding-inline-start: 0.7rem;
}

.site-trust-strip__inner span::before {
  content: "";
  position: absolute;
  inset-inline-start: 0;
  top: 50%;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  transform: translateY(-50%);
  background: #6f8dae;
}

.home-section {
  padding: 3.4rem 0;
  border-top: 1px solid rgba(174, 191, 214, 0.22);
}

.section-heading {
  margin-bottom: 1.1rem;
}

.section-eyebrow {
  margin: 0 0 0.45rem;
  color: var(--primary-2);
  font-weight: 700;
  font-size: 0.84rem;
  letter-spacing: 0.35px;
}

.section-title {
  margin: 0 0 0.55rem;
  font-size: clamp(1.34rem, 2.1vw, 1.85rem);
  line-height: 1.35;
}

.section-text {
  margin: 0;
  color: var(--muted);
  max-width: 72ch;
  font-size: 0.98rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.68rem 1.1rem;
  border-radius: 3px;
  border: 1px solid transparent;
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.2px;
  box-shadow: var(--shadow-sm);
  text-transform: none;
}

.btn:hover {
  text-decoration: none;
}

.btn-primary {
  background: var(--primary);
  color: #fff;
  border-color: #072845;
}

.btn-primary:hover {
  background: #082e50;
}

.btn-secondary {
  background: #fff;
  color: var(--primary);
  border-color: var(--line-strong);
}

.home-hero {
  background: linear-gradient(180deg, #e5ecf4 0%, var(--bg) 100%);
  border-top: 0;
}

.home-hero__grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr;
  gap: 1rem;
  align-items: start;
}

.home-hero__eyebrow {
  margin: 0 0 0.55rem;
  color: var(--primary-2);
  font-weight: 700;
}

.home-hero__title {
  margin: 0 0 0.7rem;
  font-size: clamp(1.55rem, 3.2vw, 2.4rem);
  line-height: 1.3;
}

.home-hero__text {
  margin: 0;
  color: var(--muted);
  max-width: 64ch;
}

.home-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin: 1rem 0;
}

.home-hero__points {
  margin: 0;
  padding-inline-start: 1.2rem;
}

.home-hero-card {
  background: var(--surface);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.home-hero-card__item {
  padding: 0.9rem 1rem;
  border-bottom: 1px solid var(--line);
}

.home-hero-card__item:last-child {
  border-bottom: 0;
}

.home-hero-card__label {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
}

.home-hero-card__value {
  display: block;
  margin-top: 0.15rem;
}

.quick-links-grid,
.broker-cards-grid,
.safety-posts-grid,
.steps-grid,
.regulators-grid,
.topic-links-grid {
  display: grid;
  gap: 1rem;
}

.quick-links-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.broker-cards-grid,
.safety-posts-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.steps-grid,
.regulators-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.topic-links-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.quick-link-card,
.broker-card,
.safety-post-card,
.step-card,
.regulator-card,
.topic-link-card,
.trust-box,
.risk-box {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: none;
}

.quick-link-card,
.broker-card,
.safety-post-card,
.step-card,
.regulator-card {
  padding: 0.95rem;
}

.quick-link-card__title,
.broker-card__title,
.safety-post-card__title,
.step-card__title,
.regulator-card__title {
  margin: 0 0 0.5rem;
  font-size: 1.04rem;
  line-height: 1.4;
}

.quick-link-card__text,
.regulator-card__text,
.step-card__text,
.safety-post-card__excerpt {
  margin: 0 0 0.7rem;
  color: var(--muted);
  font-size: 0.95rem;
}

.quick-link-card__button {
  font-weight: 600;
  color: var(--primary-2);
}

.broker-card__meta {
  margin: 0;
  border-top: 1px solid #e3eaf3;
  border-bottom: 1px solid #e3eaf3;
  background: #fbfdff;
}

.broker-card__meta div {
  display: flex;
  justify-content: space-between;
  gap: 0.7rem;
  padding: 0.48rem 0.42rem;
  border-bottom: 1px solid #e4ebf4;
  font-size: 0.92rem;
}

.broker-card__meta div:last-child {
  border-bottom: 0;
}

.broker-card__meta dt {
  color: var(--muted);
  font-size: 0.86rem;
}

.broker-card__meta dd {
  margin: 0;
  font-weight: 700;
  font-size: 0.9rem;
}

.broker-card__actions {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
  margin-top: 0.85rem;
  padding-top: 0.25rem;
}

.safety-post-card__badge {
  display: inline-block;
  margin-bottom: 0.45rem;
  background: #ecf2f9;
  color: #1f4872;
  border-radius: 3px;
  border: 1px solid #d0dff0;
  padding: 0.2rem 0.58rem;
  font-size: 0.74rem;
  font-weight: 600;
}

.safety-post-card__date {
  margin: 0;
  color: #64748b;
  font-size: 0.83rem;
}

.step-card__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 3px;
  background: #edf3fb;
  color: var(--primary);
  font-weight: 700;
  margin-bottom: 0.45rem;
  border: 1px solid #d4e1f2;
}

.topic-link-card {
  display: block;
  padding: 0.95rem 1rem;
  font-weight: 600;
  border-inline-start: 3px solid #cfdae8;
}

.topic-link-card:hover {
  border-inline-start-color: var(--accent);
  text-decoration: none;
}

.trust-box,
.risk-box {
  padding: 1.25rem;
  border-color: var(--line-strong);
  background: #f9fbfe;
}

.trust-points {
  margin: 0 0 1rem;
  padding-inline-start: 1.2rem;
}

.risk-box__title {
  margin: 0 0 0.7rem;
}

.risk-box__text {
  margin: 0 0 0.9rem;
  color: var(--muted);
}

.risk-box__links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1rem;
}

.risk-box__links a {
  color: var(--primary-2);
  font-weight: 600;
}

.home-top-brokers .section-heading,
.home-latest-safety .section-heading,
.home-regulators .section-heading {
  padding-bottom: 0.55rem;
  border-bottom: 1px solid #dce5f1;
}

.section-footer-link {
  margin-top: 1rem;
}

@media (max-width: 980px) {
  .page-layout {
    grid-template-columns: 1fr;
  }

  .page-toc {
    position: static;
    order: 2;
  }

  .home-hero__grid {
    grid-template-columns: 1fr;
  }

  .quick-links-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .broker-cards-grid,
  .safety-posts-grid,
  .steps-grid,
  .regulators-grid,
  .topic-links-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 1100px) {
  .page-toc {
    display: none;
  }
}

@media (max-width: 640px) {
  .top-nav {
    display: none;
  }

  .home-section {
    padding: 2.7rem 0;
  }

  .quick-links-grid,
  .broker-cards-grid,
  .safety-posts-grid,
  .steps-grid,
  .regulators-grid,
  .topic-links-grid {
    grid-template-columns: 1fr;
  }
}

.site-header a.brand {
  color: #fff;
  text-decoration: none;
}

.site-header a.brand:hover {
  color: #fff;
  text-decoration: none;
  opacity: 0.94;
}