:root {
  --navy: #137DAD;
  --navy-dark: #0E5F83;
  --navy-light: #2594c4;
  --navy-deep: #0a2a40;
  --gold: #fac837;
  --gold-dark: #eab308;
  --green: #3ca37a;
  --green-dark: #2d8660;
  --green-light: #ecfdf5;
  --amber: #f59e0b;
  --amber-light: #fffbeb;
  --red: #dc2626;
  --red-light: #fef2f2;
  --grey-50: #f7f9fc;
  --grey-100: #eef2f7;
  --grey-200: #e2e8f0;
  --grey-300: #cbd5e1;
  --grey-400: #94a3b8;
  --grey-500: #64748b;
  --grey-600: #475569;
  --grey-700: #334155;
  --grey-800: #1e293b;
  --grey-900: #0f172a;
  --radius: 10px;
  --radius-sm: 6px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 2px rgba(13,42,76,.06);
  --shadow: 0 4px 12px rgba(13,42,76,.08);
  --shadow-lg: 0 12px 32px rgba(13,42,76,.12);
  --transition: 180ms cubic-bezier(.4,0,.2,1);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.55;
  color: var(--grey-800);
  background: var(--grey-50);
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ---------- HEADER ---------- */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--grey-200);
  padding: 14px 0;
  position: sticky;
  top: 0;
  z-index: 50;
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo {
  font-family: Georgia, serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.02em;
}
.logo::before { content: "financer"; }
.logo::after { content: "."; color: var(--gold); }

.breadcrumb { font-size: 13px; color: var(--grey-500); }
.breadcrumb a { color: var(--grey-500); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb .current { color: var(--grey-700); }

/* ---------- PAGE HEADER / HERO ---------- */
.page-hero {
  background: linear-gradient(180deg, #fff 0%, var(--grey-50) 100%);
  padding: 36px 0 0;
}
.page-hero h1 {
  font-size: 34px;
  font-weight: 800;
  line-height: 1.2;
  color: var(--navy);
  letter-spacing: -0.02em;
  max-width: 760px;
  margin-bottom: 10px;
}
.byline {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 14px;
  font-size: 13px;
  color: var(--grey-600);
  margin-bottom: 24px;
}
.byline .author { display: inline-flex; align-items: center; gap: 6px; }
.byline .author-avatar {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); color: white; display: inline-flex;
  align-items: center; justify-content: center; font-size: 10px; font-weight: 700;
}
.byline .role { color: var(--grey-500); }
.byline .dot { color: var(--grey-400); }
.byline .updated { color: var(--grey-500); }
.byline .updated strong { color: var(--grey-700); font-weight: 600; }
.byline .verified-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 9px;
  background: var(--green-light);
  color: var(--green-dark);
  border-radius: 999px;
  font-size: 11px;
  font-weight: 600;
}

/* ---------- HERO INPUT STRIP (the tool) ---------- */
.tool-strip {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 0 0 24px;
  box-shadow: var(--shadow-lg);
  color: white;
  position: relative;
}
.tool-strip::before {
  content: "";
  position: absolute;
  top: -1px; left: 24px;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 6px 14px;
  border-radius: 0 0 6px 6px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.tool-strip::before { content: "★ Personalize your results"; }
.tool-strip__header {
  display: flex; align-items: baseline; justify-content: space-between; flex-wrap: wrap; gap: 8px;
  margin-bottom: 18px; margin-top: 6px;
}
.tool-strip__title { font-size: 16px; font-weight: 600; letter-spacing: -0.01em; }
.tool-strip__match-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(60,163,122,.2); color: #a7f3d0;
  padding: 6px 12px; border-radius: 999px;
  font-size: 13px; font-weight: 600;
  transition: all var(--transition);
}
.tool-strip__match-badge.pulse { animation: pulse 400ms ease; }
@keyframes pulse { 0% { transform: scale(1); } 50% { transform: scale(1.06); background: rgba(60,163,122,.35); } 100% { transform: scale(1); } }

.tool-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 18px;
}
.tool-field label {
  display: block;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,.65);
  margin-bottom: 8px;
  font-weight: 600;
}
.tool-field .value-display {
  font-size: 22px;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: -0.01em;
  margin-bottom: 8px;
}
.tool-field input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255,255,255,.15);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.tool-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
  cursor: grab;
  box-shadow: 0 2px 6px rgba(0,0,0,.3);
  transition: transform var(--transition);
}
.tool-field input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.tool-field input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: var(--gold);
  cursor: grab; border: none; box-shadow: 0 2px 6px rgba(0,0,0,.3);
}
.tool-field select, .tool-field .btn-group {
  width: 100%;
  background: rgba(255,255,255,.1);
  color: white;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-sm);
  padding: 10px 12px;
  font-size: 14px;
  font-family: inherit;
}
.tool-field select option { color: var(--grey-800); }

.credit-buttons { display: flex; gap: 6px; margin-top: 2px; }
.credit-buttons button {
  flex: 1;
  background: rgba(255,255,255,.08);
  color: white;
  border: 1px solid rgba(255,255,255,.15);
  padding: 10px 4px;
  font-size: 11px;
  font-weight: 600;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  font-family: inherit;
}
.credit-buttons button:hover { background: rgba(255,255,255,.15); }
.credit-buttons button.active {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.credit-buttons button small { display: block; font-weight: 400; font-size: 10px; opacity: 0.75; margin-top: 2px; }
.credit-buttons button.active small { opacity: 1; }

/* ---------- More filters expandable ---------- */
.more-filters {
  margin-top: 18px;
  border-top: 1px solid rgba(255,255,255,.12);
  padding-top: 14px;
}
.more-filters summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 10px;
  color: white;
  font-size: 13px;
  font-weight: 600;
  user-select: none;
  padding: 6px 0;
}
.more-filters summary::-webkit-details-marker { display: none; }
.more-filters__label { letter-spacing: 0.02em; }
.more-filters__chevron {
  margin-left: auto;
  transition: transform var(--transition);
  color: var(--gold);
  font-size: 12px;
}
.more-filters[open] .more-filters__chevron { transform: rotate(180deg); }
.more-filters__count {
  background: var(--gold);
  color: var(--navy-deep);
  padding: 1px 8px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  min-width: 20px;
  text-align: center;
  display: none;
}
.more-filters__count:not(:empty) { display: inline-block; }

.more-filters__grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1.3fr;
  gap: 18px;
  padding: 16px 0 8px;
}
.more-filters__field label:first-child {
  display: block;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,.65);
  margin-bottom: 8px;
  font-weight: 600;
}
.more-filters__field select {
  width: 100%;
  background: rgba(255,255,255,.1);
  color: white;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-sm);
  padding: 9px 12px;
  font-size: 13px;
  font-family: inherit;
  cursor: pointer;
}
.more-filters__field select option { color: var(--grey-800); }
.field-hint {
  font-size: 11px;
  color: rgba(255,255,255,.5);
  margin-top: 4px;
}

.pill-group { display: flex; gap: 5px; }
.pill-group button {
  flex: 1;
  background: rgba(255,255,255,.08);
  color: white;
  border: 1px solid rgba(255,255,255,.15);
  padding: 8px 6px;
  font-size: 11px;
  font-weight: 600;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
  font-family: inherit;
}
.pill-group button:hover { background: rgba(255,255,255,.15); }
.pill-group button.active {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}

.filter-check {
  display: flex !important;
  align-items: flex-start;
  gap: 8px;
  font-size: 12px !important;
  color: rgba(255,255,255,.85) !important;
  margin-bottom: 6px;
  cursor: pointer;
  text-transform: none !important;
  letter-spacing: normal !important;
  font-weight: 500 !important;
  line-height: 1.4;
}
.filter-check input[type="checkbox"] {
  appearance: none;
  width: 16px; height: 16px;
  border: 2px solid rgba(255,255,255,.4);
  border-radius: 3px;
  background: transparent;
  cursor: pointer;
  margin-top: 1px;
  flex-shrink: 0;
  transition: all var(--transition);
  position: relative;
}
.filter-check input[type="checkbox"]:checked {
  background: var(--gold);
  border-color: var(--gold);
}
.filter-check input[type="checkbox"]:checked::after {
  content: "✓";
  color: var(--navy-deep);
  font-weight: 800;
  font-size: 12px;
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -55%);
}
.filter-check em {
  color: rgba(255,255,255,.5);
  font-style: normal;
  font-size: 11px;
}

.more-filters__reset {
  background: transparent;
  color: rgba(255,255,255,.7);
  border: 1px solid rgba(255,255,255,.2);
  padding: 7px 14px;
  border-radius: var(--radius-sm);
  font-size: 12px;
  font-family: inherit;
  cursor: pointer;
  transition: all var(--transition);
  margin-top: 6px;
}
.more-filters__reset:hover { background: rgba(255,255,255,.08); color: white; }

@media (max-width: 900px) {
  .more-filters__grid { grid-template-columns: 1fr; }
}

.tool-strip__footer {
  margin-top: 18px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.match-me-btn {
  background: var(--gold);
  color: var(--navy-dark);
  border: none;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 14px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: all var(--transition);
}
.match-me-btn:hover { transform: translateY(-1px); box-shadow: var(--shadow-lg); }
.save-state-info {
  font-size: 12px;
  color: rgba(255,255,255,.55);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

/* ---------- TRUST / METHODOLOGY BLOCK ---------- */
.trust-block {
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-bottom: 24px;
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 24px;
}
.trust-block__left h3 {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  display: flex; align-items: center; gap: 8px;
}
.trust-block__left h3::before {
  content: "⚖"; font-size: 16px;
}
.trust-block__left p {
  font-size: 13px;
  color: var(--grey-600);
  line-height: 1.5;
  margin-bottom: 8px;
}
.trust-block__left .expandable {
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  background: none;
  border: none;
  padding: 0;
  text-decoration: underline;
  font-family: inherit;
}

.scorecard {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
.scorecard__item {
  background: var(--grey-50);
  border-radius: var(--radius-sm);
  padding: 10px 12px;
  border-left: 3px solid var(--gold);
}
.scorecard__weight { font-size: 18px; font-weight: 800; color: var(--navy); letter-spacing: -0.01em; }
.scorecard__label { font-size: 11px; color: var(--grey-600); text-transform: uppercase; letter-spacing: 0.04em; font-weight: 600; margin-top: 2px; }

/* ---------- COMPLIANCE ALERTS ---------- */
.alert {
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-bottom: 14px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14px;
}
.alert__icon { font-size: 18px; line-height: 1; margin-top: 1px; }
.alert__content strong { display: block; margin-bottom: 2px; }
.alert--warning { background: var(--amber-light); border: 1px solid #fde68a; color: #92400e; }
.alert--danger { background: var(--red-light); border: 1px solid #fecaca; color: #991b1b; }
.alert--info { background: #eff6ff; border: 1px solid #bfdbfe; color: #1e40af; }
.alert--hidden { display: none; }

.representative-example {
  background: var(--grey-50);
  border: 1px dashed var(--grey-300);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  font-size: 12px;
  color: var(--grey-600);
  margin-bottom: 24px;
}
.representative-example strong { color: var(--grey-800); }

/* ---------- RESULTS / CARDS ---------- */
.results-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
  flex-wrap: wrap;
  gap: 12px;
}
.results-header h2 {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
}
.results-header h2 .count { color: var(--green-dark); }

.sort-control {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--grey-600);
}
.sort-control select {
  border: 1px solid var(--grey-300);
  border-radius: var(--radius-sm);
  padding: 7px 10px;
  font-size: 13px;
  background: white;
  font-family: inherit;
}

.cards { display: flex; flex-direction: column; gap: 14px; }

.card {
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 20px 22px;
  display: grid;
  grid-template-columns: 220px 1fr 220px;
  gap: 22px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.card:hover { box-shadow: var(--shadow); }
.card.top-pick { border-color: var(--gold); box-shadow: 0 0 0 2px var(--gold), var(--shadow); }

.card__badge {
  position: absolute;
  top: 0; left: 22px;
  background: var(--gold);
  color: var(--navy-dark);
  padding: 4px 12px;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.card__badge--editor { background: var(--gold); color: var(--navy-dark); }
.card__badge--popular { background: #f472b6; color: white; }
.card__badge--category { background: var(--green); color: white; }
.card__badge--compliance { background: #e0e7ff; color: #4338ca; }

.card.top-pick { padding-top: 28px; }
.card:not(.top-pick) .card__badge { top: 0; }
.card__badge ~ * { margin-top: 6px; }

/* Left column — brand */
.card__brand { display: flex; flex-direction: column; gap: 10px; }
.card__logo {
  width: 72px;
  height: 72px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  font-size: 22px;
  letter-spacing: -0.02em;
  flex-shrink: 0;
}
.card__name {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -0.01em;
}
.card__customers {
  font-size: 12px;
  color: var(--grey-500);
}
.card__customers strong { color: var(--grey-700); }

.card__score {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 4px;
}
.card__score-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  border: 3px solid var(--green);
  font-size: 14px; font-weight: 800;
  color: var(--navy);
}
.card__score-label {
  font-size: 11px;
  color: var(--grey-500);
  line-height: 1.2;
}
.card__score-label a { color: var(--navy); text-decoration: underline; }

/* Middle column — metrics */
.card__metrics { display: flex; flex-direction: column; gap: 14px; }

.metric-primary {
  display: flex; gap: 20px; flex-wrap: wrap;
  padding-bottom: 12px;
  border-bottom: 1px dashed var(--grey-200);
}
.metric-primary__item { flex: 1; min-width: 120px; }
.metric-primary__label {
  font-size: 11px;
  color: var(--grey-500);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 4px;
  font-weight: 600;
}
.metric-primary__value {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  transition: color var(--transition);
}
.metric-primary__value.flash { color: var(--green-dark); }
.metric-primary__sub { font-size: 11px; color: var(--grey-500); margin-top: 2px; }

.metric-apr { padding: 0; }
.apr-bar-container {
  position: relative;
  height: 8px;
  background: linear-gradient(90deg, var(--green) 0%, #facc15 50%, var(--red) 100%);
  border-radius: 4px;
  margin: 8px 0 6px;
  opacity: 0.3;
}
.apr-bar-range {
  position: absolute;
  top: 0; bottom: 0;
  background: linear-gradient(90deg, var(--green) 0%, #facc15 50%, var(--red) 100%);
  border-radius: 4px;
  opacity: 1;
}
.apr-bar-dot {
  position: absolute;
  top: 50%;
  width: 14px;
  height: 14px;
  background: white;
  border: 3px solid var(--navy);
  border-radius: 50%;
  transform: translate(-50%, -50%);
  box-shadow: 0 2px 4px rgba(0,0,0,.2);
  transition: left var(--transition);
}
.apr-labels {
  display: flex; justify-content: space-between;
  font-size: 11px; color: var(--grey-500);
}
.apr-labels strong { color: var(--navy); }

.metric-secondary {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  font-size: 12px;
}
.metric-secondary__item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.metric-secondary__label { color: var(--grey-500); font-size: 11px; }
.metric-secondary__value { color: var(--grey-800); font-weight: 600; }

.savings-chip {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  background: var(--green-light);
  color: var(--green-dark);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  align-self: flex-start;
}

/* Right column — CTA */
.card__cta { display: flex; flex-direction: column; gap: 10px; align-items: stretch; justify-content: center; }
.cta-btn {
  background: var(--navy);
  color: white;
  border: none;
  padding: 13px 20px;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: all var(--transition);
  text-align: center;
  text-decoration: none;
  display: block;
}
.cta-btn:hover { background: var(--navy-dark); transform: translateY(-1px); box-shadow: var(--shadow); }
.card.top-pick .cta-btn { background: var(--gold); color: var(--navy-dark); }
.card.top-pick .cta-btn:hover { background: var(--gold-dark); }
.cta-microcopy {
  font-size: 11px;
  text-align: center;
  color: var(--grey-500);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
}
.cta-microcopy::before { content: "✓"; color: var(--green); font-weight: 700; }
.cta-microcopy--warning::before { content: "⚠"; color: var(--amber); }
.cta-secondary {
  font-size: 12px;
  text-align: center;
  color: var(--navy);
  background: none;
  border: none;
  cursor: pointer;
  text-decoration: underline;
  font-family: inherit;
}
.cta-secondary:hover { color: var(--navy-dark); }

/* Reason chips */
.reason-chips {
  grid-column: 1 / -1;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding-top: 12px;
  margin-top: -4px;
  border-top: 1px solid var(--grey-100);
}
.reason-chip {
  background: var(--grey-50);
  color: var(--grey-700);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 500;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.reason-chip--good { background: var(--green-light); color: var(--green-dark); }
.reason-chip--warn { background: var(--amber-light); color: #92400e; }
.reason-chip--bad { background: var(--red-light); color: #991b1b; }
.reason-chip::before { content: attr(data-icon); }

/* Expandable details */
.card__expand {
  grid-column: 1 / -1;
  padding-top: 14px;
  margin-top: 10px;
  border-top: 1px solid var(--grey-100);
  display: none;
}
.card.expanded .card__expand { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.card__expand h4 { font-size: 13px; color: var(--navy); margin-bottom: 8px; font-weight: 700; }
.card__expand ul { list-style: none; font-size: 13px; }
.card__expand li { padding: 3px 0; color: var(--grey-700); padding-left: 20px; position: relative; }
.card__expand .pros li::before { content: "✓"; color: var(--green); position: absolute; left: 0; font-weight: 700; }
.card__expand .cons li::before { content: "–"; color: var(--red); position: absolute; left: 0; font-weight: 700; }
.card__expand .who-for { font-size: 13px; color: var(--grey-700); font-style: italic; padding: 10px 12px; background: var(--grey-50); border-radius: var(--radius-sm); }

.card__toggle-expand {
  background: none;
  border: none;
  color: var(--navy);
  font-size: 13px;
  cursor: pointer;
  padding: 4px 0;
  font-family: inherit;
  font-weight: 600;
}

/* ---------- OUR PICK FOR YOU ---------- */
.our-pick {
  margin: 28px 0 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  border-radius: var(--radius-lg);
  padding: 26px 30px;
  color: white;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.our-pick::before {
  content: "";
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(250,200,55,.18) 0%, transparent 70%);
  pointer-events: none;
}
.our-pick__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 20px;
  position: relative;
}
.our-pick__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 7px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.our-pick__star { font-size: 15px; }
.our-pick__live-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  color: rgba(255,255,255,.65);
}
.our-pick__live-tag .live-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: #3ca37a;
  box-shadow: 0 0 8px #3ca37a;
  animation: live-pulse 2s ease-in-out infinite;
}
@keyframes live-pulse {
  0%,100% { opacity: 1; }
  50% { opacity: 0.5; }
}

.our-pick__body {
  display: grid;
  grid-template-columns: 300px 1fr 200px;
  gap: 28px;
  align-items: start;
  position: relative;
}

.our-pick__brand {
  display: flex; flex-direction: column; gap: 14px;
  padding: 18px;
  background: rgba(255,255,255,.06);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,.1);
}
.our-pick__logo-row { display: flex; align-items: center; gap: 14px; }
.our-pick__logo {
  width: 64px; height: 64px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.02em;
  flex-shrink: 0;
}
.our-pick__name {
  font-size: 22px;
  font-weight: 800;
  color: white;
  letter-spacing: -0.01em;
}
.our-pick__tagline {
  font-size: 13px;
  color: rgba(255,255,255,.7);
}

.our-pick__numbers {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  padding-top: 12px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.our-pick__num-item { }
.our-pick__num-label {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,.55);
  font-weight: 600;
  margin-bottom: 2px;
}
.our-pick__num-value {
  font-size: 20px;
  font-weight: 800;
  color: var(--gold);
  letter-spacing: -0.02em;
}
.our-pick__num-sub {
  font-size: 11px;
  color: rgba(255,255,255,.55);
}

.our-pick__verdict h3 {
  font-size: 17px;
  font-weight: 700;
  color: white;
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}
.our-pick__reason-list {
  list-style: none;
  padding: 0;
  margin: 0 0 18px;
}
.our-pick__reason-list li {
  position: relative;
  padding: 8px 0 8px 28px;
  font-size: 14px;
  color: rgba(255,255,255,.92);
  line-height: 1.45;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.our-pick__reason-list li:last-child { border-bottom: none; }
.our-pick__reason-list li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 8px;
  color: var(--gold);
  font-weight: 800;
  font-size: 15px;
}
.our-pick__reason-list li strong { color: white; font-weight: 700; }
.our-pick__reason-list li em { color: var(--gold); font-style: normal; font-weight: 600; }

.our-pick__savings {
  background: rgba(60,163,122,.18);
  border: 1px solid rgba(60,163,122,.4);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 13px;
  color: #a7f3d0;
  display: flex;
  align-items: center;
  gap: 10px;
}
.our-pick__savings-icon { font-size: 20px; }
.our-pick__savings strong { color: white; font-weight: 800; font-size: 15px; }

.our-pick__cta-col {
  display: flex;
  flex-direction: column;
  gap: 12px;
  justify-content: center;
  align-items: stretch;
}
.our-pick__cta {
  background: var(--gold);
  color: var(--navy-deep);
  border: none;
  padding: 16px 20px;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 800;
  cursor: pointer;
  font-family: inherit;
  text-decoration: none;
  text-align: center;
  transition: all var(--transition);
  display: block;
}
.our-pick__cta:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 16px rgba(250,200,55,.3);
}
.our-pick__cta-microcopy {
  font-size: 11px;
  text-align: center;
  color: rgba(255,255,255,.7);
}
.our-pick__cta-secondary {
  background: transparent;
  border: 1px solid rgba(255,255,255,.3);
  color: white;
  padding: 10px 16px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  transition: all var(--transition);
}
.our-pick__cta-secondary:hover { background: rgba(255,255,255,.08); }

.our-pick__transparency {
  font-size: 11px;
  color: rgba(255,255,255,.55);
  text-align: center;
  padding-top: 10px;
  border-top: 1px solid rgba(255,255,255,.1);
  line-height: 1.45;
}

.our-pick.updating {
  animation: our-pick-flash 400ms ease;
}
@keyframes our-pick-flash {
  0% { box-shadow: var(--shadow-lg); }
  50% { box-shadow: var(--shadow-lg), 0 0 0 4px rgba(250,200,55,.4); }
  100% { box-shadow: var(--shadow-lg); }
}

@media (max-width: 900px) {
  .our-pick__body { grid-template-columns: 1fr; gap: 18px; }
  .our-pick { padding: 20px; }
}

/* ---------- RED FLAGS / SCAM PROTECTION ---------- */
.red-flags {
  margin-top: 32px;
  background: white;
  border: 1px solid #fecaca;
  border-left: 5px solid var(--red);
  border-radius: var(--radius);
  padding: 26px 30px;
}
.red-flags__header {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 22px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--grey-200);
}
.red-flags__icon {
  width: 44px; height: 44px;
  background: var(--red-light);
  color: var(--red);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 800;
  flex-shrink: 0;
}
.red-flags h2 {
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}
.red-flags__subtitle {
  font-size: 14px;
  color: var(--grey-600);
  line-height: 1.5;
}
.red-flags__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 20px;
}
.red-flag {
  display: flex;
  gap: 12px;
  padding: 16px;
  background: var(--grey-50);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--red);
}
.red-flag__x {
  color: var(--red);
  font-size: 18px;
  font-weight: 900;
  line-height: 1;
  flex-shrink: 0;
  width: 24px; height: 24px;
  background: var(--red-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.red-flag__content h3 {
  font-size: 14px;
  color: var(--navy);
  margin-bottom: 5px;
  font-weight: 700;
  line-height: 1.35;
}
.red-flag__content p {
  font-size: 13px;
  color: var(--grey-700);
  line-height: 1.55;
}
.red-flag__content strong { color: var(--grey-800); }
.red-flag__content a { color: var(--navy); text-decoration: underline; }
.red-flags__report {
  padding: 14px 18px;
  background: var(--amber-light);
  border-radius: var(--radius-sm);
  font-size: 13px;
  color: #78350f;
  line-height: 1.5;
  border: 1px solid #fde68a;
}
.red-flags__report strong { color: #422006; }
.red-flags__report a { color: #92400e; font-weight: 600; }

@media (max-width: 768px) {
  .red-flags__grid { grid-template-columns: 1fr; }
  .red-flags { padding: 20px; }
}

/* ---------- FAQ ---------- */
.faq-section {
  margin-top: 32px;
  background: white;
  border: 1px solid var(--grey-200);
  border-radius: var(--radius);
  padding: 28px 32px;
}
.faq-section h2 {
  font-size: 24px;
  color: var(--navy);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}
.faq-intro {
  font-size: 14px;
  color: var(--grey-600);
  margin-bottom: 20px;
  line-height: 1.55;
}
.faq-item {
  border-bottom: 1px solid var(--grey-200);
}
.faq-item:last-child { border-bottom: none; }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 40px 16px 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  position: relative;
  user-select: none;
  transition: color var(--transition);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 4px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 20px;
  color: var(--navy);
  font-weight: 400;
  width: 26px; height: 26px;
  background: var(--grey-100);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  line-height: 1;
}
.faq-item[open] summary::after {
  content: "−";
  background: var(--navy);
  color: white;
}
.faq-item summary:hover { color: var(--navy-dark); }
.faq-answer {
  padding: 0 0 18px 0;
  font-size: 14px;
  color: var(--grey-700);
  line-height: 1.65;
}
.faq-answer p { margin-bottom: 10px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer ul {
  margin: 8px 0 10px 20px;
  list-style: disc;
}
.faq-answer li { margin-bottom: 4px; }
.faq-answer strong { color: var(--grey-800); }

@media (max-width: 768px) {
  .faq-section { padding: 20px; }
  .faq-section h2 { font-size: 20px; }
}

/* Empty state */
.empty-state {
  text-align: center;
  padding: 48px 24px;
  background: white;
  border-radius: var(--radius);
  border: 2px dashed var(--grey-200);
}
.empty-state h3 { font-size: 20px; color: var(--navy); margin-bottom: 8px; }
.empty-state p { color: var(--grey-600); max-width: 480px; margin: 0 auto 16px; }
.empty-state__alternatives {
  display: flex; justify-content: center; gap: 10px; flex-wrap: wrap;
  margin-top: 16px;
}
.empty-state__alternatives a {
  background: var(--grey-50); color: var(--navy); padding: 10px 16px;
  border-radius: var(--radius-sm); text-decoration: none; font-size: 14px;
  font-weight: 600; border: 1px solid var(--grey-200);
}
.empty-state__alternatives a:hover { background: var(--grey-100); }

/* Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13,42,76,.7);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 100;
  padding: 20px;
}
.modal-overlay.open { display: flex; }
.modal {
  background: white;
  border-radius: var(--radius-lg);
  max-width: 560px;
  width: 100%;
  padding: 32px;
  max-height: 90vh;
  overflow-y: auto;
}
.modal h2 { font-size: 22px; color: var(--navy); margin-bottom: 6px; }
.modal .subtitle { color: var(--grey-600); font-size: 14px; margin-bottom: 20px; }
.modal .step { display: none; }
.modal .step.active { display: block; }
.modal .progress {
  height: 4px; background: var(--grey-100); border-radius: 2px;
  margin-bottom: 20px; overflow: hidden;
}
.modal .progress__bar { height: 100%; background: var(--gold); transition: width var(--transition); }
.modal .step__label {
  font-size: 12px; color: var(--grey-500); text-transform: uppercase;
  letter-spacing: 0.05em; margin-bottom: 12px; font-weight: 600;
}
.modal .step h3 { font-size: 20px; color: var(--navy); margin-bottom: 16px; }
.modal .option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.modal .option-grid.single { grid-template-columns: 1fr; }
.modal .option-btn {
  padding: 14px 16px; background: var(--grey-50); border: 1px solid var(--grey-200);
  border-radius: var(--radius-sm); cursor: pointer; font-size: 14px; font-weight: 500;
  color: var(--grey-800); font-family: inherit; text-align: left; transition: all var(--transition);
}
.modal .option-btn:hover { background: var(--grey-100); border-color: var(--grey-300); }
.modal .option-btn.selected { background: var(--navy); color: white; border-color: var(--navy); }
.modal .option-btn small { display: block; opacity: 0.7; font-size: 12px; margin-top: 2px; }
.modal__footer {
  display: flex; justify-content: space-between; align-items: center; margin-top: 16px;
  padding-top: 16px; border-top: 1px solid var(--grey-100);
}
.modal__footer button {
  padding: 10px 18px; border-radius: var(--radius-sm); font-family: inherit;
  font-weight: 600; cursor: pointer; border: none; font-size: 14px;
}
.modal__footer .btn-back { background: none; color: var(--grey-600); }
.modal__footer .btn-skip { background: none; color: var(--grey-500); text-decoration: underline; }
.modal__footer .btn-next { background: var(--navy); color: white; padding: 10px 22px; }
.modal__footer .btn-next:disabled { background: var(--grey-300); cursor: not-allowed; }

.modal .privacy-note {
  font-size: 11px; color: var(--grey-500); text-align: center; margin-top: 12px;
  display: flex; align-items: center; justify-content: center; gap: 6px;
}
.modal .privacy-note::before { content: "🔒"; }

/* Content below fold */
.content-section {
  margin-top: 48px;
  background: white;
  border-radius: var(--radius);
  padding: 32px;
  border: 1px solid var(--grey-200);
}
.content-section h2 { font-size: 24px; color: var(--navy); margin-bottom: 12px; }
.content-section h3 { font-size: 18px; color: var(--navy); margin-top: 22px; margin-bottom: 10px; }
.content-section p { margin-bottom: 12px; color: var(--grey-700); }
.content-section ul { margin-left: 20px; margin-bottom: 14px; color: var(--grey-700); }

/* Footer */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
  padding: 40px 0;
  margin-top: 60px;
  font-size: 13px;
}
.site-footer a { color: rgba(255,255,255,.85); }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .tool-grid { grid-template-columns: 1fr; gap: 14px; }
  .card { grid-template-columns: 1fr; gap: 16px; padding: 18px; }
  .card__brand { flex-direction: row; align-items: center; gap: 14px; }
  .card__brand > div:last-child { flex: 1; }
  .card__score { margin-left: auto; }
  .trust-block { grid-template-columns: 1fr; }
  .metric-secondary { grid-template-columns: 1fr 1fr; }
  .page-hero h1 { font-size: 26px; }
}
@media (max-width: 520px) {
  .metric-primary { flex-direction: column; gap: 8px; }
  .metric-primary__item { border-bottom: 1px solid var(--grey-100); padding-bottom: 8px; }
  .metric-primary__item:last-child { border-bottom: none; padding-bottom: 0; }
  .credit-buttons button { font-size: 10px; padding: 8px 2px; }
  .credit-buttons button small { font-size: 9px; }
  .container { padding: 0 14px; }
  .tool-strip { padding: 18px; border-radius: var(--radius); }
  .page-hero h1 { font-size: 22px; }
}