:root {
  --bg: #FAF8F4;
  --bg-card: #FFFFFF;
  --bg-dark: #1B2A4A;
  --text: #1F2328;
  --text-muted: #5A6068;
  --navy: #1B2A4A;
  --amber: #E8962E;
  --amber-hover: #D07F1A;
  --sage: #5E8C6A;
  --sage-dark: #44684F;
  --sage-tint: #EFF4EF;
  --line: #E5DFD3;
  --font-head: 'Manrope', system-ui, sans-serif;
  --font-body: 'Source Sans 3', system-ui, sans-serif;
  --radius: 12px;
  --wrap: 1080px;
  --shadow: 0 10px 30px rgba(27, 42, 74, 0.10);
}

* { box-sizing: border-box; }

[hidden] { display: none !important; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 1.125rem;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.25;
  margin: 1.8em 0 0.6em;
  text-wrap: balance;
}

h1 { font-size: clamp(1.65rem, 4.6vw, 2.3rem); margin-top: 0.4em; }
h2 { font-size: clamp(1.3rem, 3.2vw, 1.55rem); }
h3 { font-size: 1.12rem; }

p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.4em; }
li { margin-bottom: 0.4em; }

a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--amber-hover); }

strong { font-weight: 700; }

.wrap { max-width: var(--wrap); margin-inline: auto; padding-inline: 20px; }

.narrow { max-width: 46rem; margin-inline: auto; }

.muted { color: var(--text-muted); }
.small { font-size: 0.9rem; }

.skip-link {
  position: absolute;
  left: 16px;
  top: -60px;
  z-index: 100;
  background: var(--navy);
  color: #FAF8F4;
  padding: 10px 18px;
  border-radius: 8px;
  transition: top 0.2s;
}
.skip-link:focus { top: 12px; }

:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 4px; }

::selection { background: var(--amber); color: var(--text); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 52px;
  padding: 10px 26px;
  border: 0;
  border-radius: 10px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.15s, color 0.15s, border-color 0.15s, transform 0.15s;
}
.btn-primary { background: var(--amber); color: #1F2328; }
.btn-primary:hover { background: var(--amber-hover); color: #1F2328; }
.btn-ghost { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-ghost:hover { border-color: var(--amber-hover); }
.btn-block { width: 100%; }

.site-header { background: var(--navy); position: relative; z-index: 40; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-mark { width: 32px; height: 32px; flex: none; }
.brand-name { font-family: var(--font-head); font-weight: 800; font-size: 1.25rem; color: #FAF8F4; }

.site-nav { display: none; align-items: center; gap: 4px; }
.site-nav > a, .nav-drop > summary {
  color: #FAF8F4;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.95rem;
  text-decoration: none;
  padding: 8px 10px;
  border-radius: 8px;
}
.site-nav > a:hover, .nav-drop > summary:hover { background: rgba(232, 150, 46, 0.18); color: #FAF8F4; }
.nav-drop { position: relative; }
.nav-drop > summary { list-style: none; cursor: pointer; }
.nav-drop > summary::-webkit-details-marker { display: none; }
.nav-drop > summary::after { content: "▾"; margin-left: 4px; font-size: 0.75em; }
.nav-drop-menu {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  min-width: 270px;
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: 10px;
  box-shadow: var(--shadow);
  padding: 8px;
  display: grid;
}
.nav-drop-menu a {
  padding: 9px 12px;
  border-radius: 7px;
  text-decoration: none;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.9rem;
}
.nav-drop-menu a:hover { background: var(--sage-tint); }

.nav-mobile { position: relative; }
.nav-mobile > summary {
  list-style: none;
  cursor: pointer;
  color: #FAF8F4;
  font-family: var(--font-head);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 10px;
}
.nav-mobile > summary::-webkit-details-marker { display: none; }
.nav-burger, .nav-burger::before, .nav-burger::after {
  content: "";
  display: block;
  width: 20px;
  height: 2.5px;
  background: #FAF8F4;
  border-radius: 2px;
  position: relative;
}
.nav-burger::before { top: -6.5px; position: absolute; }
.nav-burger::after { top: 4px; position: absolute; }
.nav-mobile-menu {
  position: absolute;
  top: calc(100% + 10px);
  right: -20px;
  left: -20px;
  background: var(--navy);
  border-top: 1px solid rgba(250, 248, 244, 0.2);
  padding: 10px 20px 18px;
  display: grid;
  gap: 2px;
}
.nav-mobile-menu a {
  color: #FAF8F4;
  text-decoration: none;
  font-family: var(--font-head);
  font-weight: 600;
  padding: 11px 4px;
  border-bottom: 1px solid rgba(250, 248, 244, 0.12);
}

main { padding-block: 28px 56px; }

.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; margin: 0 0 14px; padding: 0; font-size: 0.85rem; }
.breadcrumb li { display: flex; align-items: center; gap: 6px; margin: 0; }
.breadcrumb li + li::before { content: "/"; color: var(--text-muted); }
.breadcrumb a { color: var(--text-muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--amber-hover); }

.short-answer {
  background: var(--sage-tint);
  border: 1px solid #DCE7DD;
  border-left: 4px solid var(--sage);
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 1.4em 0 1.6em;
  font-size: 1.08rem;
}
.short-answer p:last-child { margin-bottom: 0; }

.cta-box {
  background: var(--navy);
  color: #FAF8F4;
  border-radius: 14px;
  padding: 26px 26px 22px;
  margin: 2em 0;
  box-shadow: var(--shadow);
}
.cta-box-title {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.25rem;
  color: #FAF8F4;
  margin: 0 0 14px;
}
.cta-box-points { list-style: none; padding: 0; margin: 0 0 14px; display: grid; gap: 9px; }
.cta-box-points li { display: flex; gap: 10px; align-items: flex-start; margin: 0; }
.cta-box-points svg { flex: none; width: 22px; height: 22px; color: var(--amber); margin-top: 2px; }
.cta-box-note { font-size: 0.95rem; color: rgba(250, 248, 244, 0.85); margin-bottom: 14px; }
.cta-box-btn { margin: 0 0 12px; }
.cta-box-trust { font-size: 0.82rem; color: rgba(250, 248, 244, 0.66); margin: 0; }

.toc {
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 1.6em 0;
}
.toc-title { font-family: var(--font-head); font-weight: 700; color: var(--navy); margin: 0 0 10px; font-size: 1rem; }
.toc-list { margin: 0; padding-left: 1.2em; font-size: 0.95rem; columns: 2; column-gap: 28px; }
.toc-list li { break-inside: avoid; }

.table-wrap { overflow-x: auto; margin: 1.5em 0; }
table.table { width: 100%; border-collapse: collapse; background: var(--bg-card); font-size: 0.95rem; }
.table th {
  font-family: var(--font-head);
  font-weight: 700;
  text-align: left;
  background: var(--navy);
  color: #FAF8F4;
  padding: 11px 14px;
}
.table td { padding: 11px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
.table tr:nth-child(even) td { background: #FBFAF6; }

.faq { margin-top: 2.4em; }
.faq-list { display: grid; gap: 10px; }
.faq-item { background: var(--bg-card); border: 1px solid var(--line); border-radius: 10px; }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--navy);
  padding: 15px 48px 15px 18px;
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.4rem;
  color: var(--amber);
  font-weight: 700;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item[open] summary { border-bottom: 1px solid var(--line); }
.faq-a { padding: 14px 18px 16px; }
.faq-a > :last-child { margin-bottom: 0; }

.author-box {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
  margin-top: 2.4em;
}
.author-avatar { width: 64px; height: 64px; border-radius: 50%; flex: none; }
.author-name { font-family: var(--font-head); font-weight: 700; color: var(--navy); margin: 0 0 4px; }
.author-bio { font-size: 0.92rem; margin: 0 0 6px; }
.author-updated { font-size: 0.85rem; color: var(--text-muted); margin: 0 0 6px; }
.author-sources { font-size: 0.85rem; color: var(--text-muted); margin: 0; }

.related { margin-top: 2.6em; }
.card-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 14px; }
.card {
  display: flex;
  flex-direction: column;
  gap: 8px;
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  text-decoration: none;
  transition: border-color 0.15s, transform 0.15s;
}
.card:hover { border-color: var(--amber); transform: translateY(-2px); }
.card-title { font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: 0.98rem; }
.card-more { font-family: var(--font-head); font-weight: 700; color: var(--amber-hover); font-size: 0.85rem; margin-top: auto; }

.hero { background: var(--navy); color: #FAF8F4; padding: 44px 0 52px; }
.hero h1 { color: #FAF8F4; margin: 0 0 10px; }
.hero-lead { font-size: 1.12rem; color: rgba(250, 248, 244, 0.88); max-width: 40rem; margin: 0 0 24px; }
.hero .qualifier { background: #FAF8F4; color: var(--text); }
.hero .q-title { color: var(--navy); }

.home-section { padding: 40px 0 8px; }
.home-section-head { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1.4rem; margin: 0 0 18px; }

.tile-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.tile {
  display: flex;
  flex-direction: column;
  gap: 6px;
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
  text-decoration: none;
  transition: border-color 0.15s, transform 0.15s;
}
.tile:hover { border-color: var(--amber); transform: translateY(-2px); }
.tile-title { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 0.95rem; }
.tile-desc { font-size: 0.82rem; color: var(--text-muted); }

.steps-grid { display: grid; grid-template-columns: 1fr; gap: 18px; margin-bottom: 26px; }
.step { display: flex; gap: 14px; align-items: flex-start; }
.step-num {
  flex: none;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--amber);
  color: #1F2328;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.step h3 { margin: 4px 0 4px; font-size: 1.05rem; }
.step p { font-size: 0.95rem; margin: 0; }

.latest-list { display: grid; gap: 12px; }
.latest-item {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 14px;
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 14px 18px;
  text-decoration: none;
}
.latest-item:hover { border-color: var(--amber); }
.latest-title { font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: 0.95rem; }
.latest-date { font-size: 0.8rem; color: var(--text-muted); flex: none; }

.qualifier {
  background: var(--bg-card);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 24px;
  box-shadow: var(--shadow);
}
.q-title { font-size: 1.2rem; margin: 0 0 4px; }
.q-sub { font-size: 0.85rem; color: var(--text-muted); margin: 0 0 16px; }
.q-progress { height: 6px; background: var(--line); border-radius: 4px; overflow: hidden; margin-bottom: 20px; }
.q-progress span { display: block; height: 100%; width: 0; background: var(--amber); border-radius: 4px; transition: width 0.25s; }
.q-ask { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1.05rem; margin: 0 0 12px; }
.q-opts { display: grid; gap: 10px; }
.q-opt {
  min-height: 52px;
  padding: 10px 16px;
  border: 2px solid var(--line);
  border-radius: 10px;
  background: var(--bg);
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  text-align: left;
  transition: border-color 0.15s, background-color 0.15s;
}
.q-opt:hover { border-color: var(--amber); }
.q-result { border-top: 1px solid var(--line); padding-top: 18px; }
.q-result-title { font-family: var(--font-head); font-weight: 800; font-size: 1.25rem; color: var(--sage-dark); margin: 0 0 6px; }
.q-result-text { margin: 0 0 16px; }
.q-result-btn { margin: 0 0 12px; }
.q-alt { font-size: 0.92rem; margin: 0 0 12px; }
.q-restart {
  background: none;
  border: 0;
  color: var(--text-muted);
  text-decoration: underline;
  font-size: 0.9rem;
  cursor: pointer;
  padding: 4px 0;
}

input[type="range"] { height: 44px; cursor: pointer; }

.sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 50;
  background: var(--navy);
  color: #FAF8F4;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  box-shadow: 0 -8px 24px rgba(27, 42, 74, 0.35);
}
.sticky-cta-text { margin: 0; font-size: 0.85rem; color: rgba(250, 248, 244, 0.85); flex: none; max-width: 9rem; }
.sticky-cta .btn { flex: 1; padding-inline: 10px; font-size: 0.9rem; }
.sticky-cta-close {
  flex: none;
  width: 34px;
  height: 34px;
  border: 0;
  border-radius: 8px;
  background: transparent;
  color: #FAF8F4;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}
.sticky-cta-close svg { width: 18px; height: 18px; }
body.has-sticky { padding-bottom: 74px; }

.consent { position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; background: var(--bg-card); border-top: 2px solid var(--amber); box-shadow: 0 -10px 30px rgba(27, 42, 74, 0.2); }
.consent-inner { max-width: var(--wrap); margin-inline: auto; padding: 18px 20px calc(18px + env(safe-area-inset-bottom)); display: grid; gap: 14px; }
.consent-text { margin: 0; font-size: 0.9rem; }
.consent-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.consent-actions .btn { min-height: 46px; padding: 8px 20px; font-size: 0.92rem; }

.site-footer { background: var(--navy); color: rgba(250, 248, 244, 0.82); margin-top: 24px; }
.footer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; padding-block: 40px 28px; }
.footer-brand { font-family: var(--font-head); font-weight: 800; font-size: 1.2rem; color: #FAF8F4; margin: 0 0 10px; }
.footer-desc { font-size: 0.88rem; margin: 0 0 10px; }
.footer-slogan { font-family: var(--font-head); font-weight: 700; color: var(--amber); font-size: 0.9rem; margin: 0 0 14px; }
.footer-kredeo { margin: 0; }
.footer-kredeo a { color: #FAF8F4; font-family: var(--font-head); font-weight: 700; text-decoration: underline; text-decoration-color: var(--amber); text-decoration-thickness: 2px; font-size: 0.95rem; }
.footer-kredeo a:hover { color: var(--amber); }
.footer-head { font-family: var(--font-head); font-weight: 700; color: #FAF8F4; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.05em; margin: 0 0 10px; }
.footer-col a { display: block; color: rgba(250, 248, 244, 0.82); text-decoration: none; font-size: 0.9rem; padding: 3.5px 0; }
.footer-col a:hover { color: var(--amber); }
.footer-col nav + p.footer-head, .footer-col .footer-head + .footer-head { margin-top: 18px; }
.footer-bottom { border-top: 1px solid rgba(250, 248, 244, 0.15); padding-block: 16px; }
.footer-bottom p { margin: 0; font-size: 0.8rem; color: rgba(250, 248, 244, 0.6); }

.layout-article { display: grid; grid-template-columns: 1fr; gap: 36px; }
.side-box { background: var(--bg-card); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.side-box + .side-box { margin-top: 16px; }
.side-title { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1rem; margin: 0 0 12px; }
.qual-promo-list { display: grid; gap: 8px; margin: 0; }
.qual-promo-list a {
  display: block;
  background: var(--bg);
  border: 2px solid var(--line);
  border-radius: 10px;
  padding: 10px 14px;
  text-decoration: none;
  font-weight: 600;
  font-size: 0.92rem;
}
.qual-promo-list a:hover { border-color: var(--amber); }

.article-body p, .article-body li { font-size: 1.02rem; }
.article-body .cta-box-points li { font-size: 0.98rem; }

@media (min-width: 640px) {
  .q-opts { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: repeat(3, 1fr); }
  .tile-grid { grid-template-columns: repeat(4, 1fr); }
  .consent-inner { grid-template-columns: 1fr auto; align-items: center; }
}

@media (min-width: 900px) {
  .site-nav { display: flex; }
  .nav-mobile { display: none; }
  .sticky-cta { display: none; }
  body.has-sticky { padding-bottom: 0; }
}

@media (min-width: 1024px) {
  .layout-article { grid-template-columns: minmax(0, 1fr) 300px; align-items: start; }
  .layout-article .article-main { grid-row: 1; }
  .article-sidebar { position: sticky; top: 24px; }
}

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