:root {
  --ink: #101828;
  --ink-soft: #344054;
  --muted: #667085;
  --canvas: #f5f7fb;
  --surface: #ffffff;
  --surface-blue: #eff6ff;
  --line: #d0d5dd;
  --line-strong: #98a2b3;
  --primary: #175cd3;
  --primary-hover: #1849a9;
  --primary-dark: #102a56;
  --accent: #c4320a;
  --focus: #fdb022;
  --success: #067647;
  --error: #b42318;
  --shadow-sm: 0 1px 2px rgb(16 24 40 / 6%);
  --shadow-md: 0 12px 32px rgb(16 24 40 / 10%);
  --radius-sm: .5rem;
  --radius-md: .85rem;
  --radius-lg: 1.25rem;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { color: var(--ink); background: var(--canvas); scroll-behavior: smooth; }
body { margin: 0; font: 1rem/1.6 var(--sans); }
a { color: var(--primary); text-underline-offset: .2em; text-decoration-thickness: .08em; }
a:hover { color: var(--primary-hover); }
img { display: block; max-width: 100%; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--ink); line-height: 1.12; letter-spacing: -.035em; }
h1, h2, h3 { overflow-wrap: anywhere; }
h1 { font-size: clamp(2.25rem, 4vw, 3.25rem); }
h2 { font-size: clamp(1.65rem, 3vw, 2.5rem); }
h3 { font-size: 1.15rem; }
button, input, select, textarea { font: inherit; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; }
.shell { width: min(1200px, calc(100% - 48px)); margin-inline: auto; }
.skip-link { position: fixed; top: -6rem; left: 1rem; z-index: 100; padding: .7rem 1rem; border-radius: var(--radius-sm); color: var(--ink); background: var(--focus); font-weight: 750; }
.skip-link:focus { top: 1rem; }

.site-header { position: relative; z-index: 20; min-height: 72px; padding: .8rem max(24px, calc((100% - 1200px) / 2)); display: flex; align-items: center; justify-content: space-between; gap: 2rem; border-bottom: 1px solid var(--line); background: rgb(255 255 255 / 94%); box-shadow: var(--shadow-sm); }
.site-header > * { min-width: 0; }
.brand { display: inline-flex; align-items: center; gap: .75rem; color: var(--ink); font-size: 1.5rem; font-weight: 800; letter-spacing: -.02em; text-decoration: none; transition: color .18s ease; }
.brand-mark { position: relative; top: -.125rem; width: 4.125rem; height: auto; flex: 0 0 auto; }
.brand:hover, .brand:focus-visible { color: var(--primary); }
.brand-name { overflow-wrap: anywhere; }
.menu-toggle { min-height: 44px; padding: .55rem .8rem; display: none; align-items: center; justify-content: center; border: 1px solid var(--line-strong); border-radius: var(--radius-sm); color: var(--ink); background: var(--surface); font-weight: 750; cursor: pointer; }
.menu-toggle:hover { border-color: var(--primary); color: var(--primary); background: var(--surface-blue); }
.site-nav { display: flex; align-items: center; gap: .35rem; }
.site-nav > a, .nav-category { position: relative; display: inline-flex; align-items: center; min-height: 42px; padding: .55rem .75rem; border-radius: var(--radius-sm); color: var(--ink-soft); font-size: .9rem; font-weight: 700; text-decoration: none; }
.site-nav > a:hover, .nav-category:hover, .site-nav .is-active { color: var(--primary); background: var(--surface-blue); }
.nav-group { position: relative; }
.nav-category { gap: .5rem; }
.nav-category::after { content: ""; width: .4rem; height: .4rem; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: translateY(-.12rem) rotate(45deg); }
.nav-submenu { position: absolute; top: 100%; left: 0; display: grid; min-width: 250px; padding: .5rem; border: 1px solid var(--line); border-radius: var(--radius-md); visibility: hidden; opacity: 0; background: var(--surface); box-shadow: var(--shadow-md); transform: translateY(.4rem); transition: opacity .15s ease, transform .15s ease, visibility .15s; }
.nav-submenu::before { content: ""; position: absolute; right: 0; bottom: 100%; left: 0; height: .55rem; }
.nav-submenu a { padding: .65rem .75rem; border-radius: var(--radius-sm); color: var(--ink-soft); font-size: .88rem; font-weight: 650; text-decoration: none; white-space: nowrap; }
.nav-submenu a:hover, .nav-submenu a:focus-visible { color: var(--primary); background: var(--surface-blue); }
.nav-group:hover .nav-submenu, .nav-group:focus-within .nav-submenu { visibility: visible; opacity: 1; transform: translateY(.5rem); }

.hero { padding-block: clamp(4rem, 9vw, 7rem); }
.hero.home-hero { padding-bottom: 0; }
.home-hero h1 { max-width: 17ch; margin-bottom: 0; font-size: clamp(2.5rem, 5vw, 4rem); }
.eyebrow { margin-bottom: 1rem; color: var(--accent); font-size: .75rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
a.eyebrow { display: inline-block; text-decoration: none; }
.hero-copy, .page-header > p, .entity-header p:last-child { max-width: 680px; color: var(--muted); font-size: clamp(1.08rem, 2vw, 1.3rem); }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: .8rem; margin-top: 2rem; }
.button { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: .75rem 1.1rem; border: 1px solid var(--primary); border-radius: var(--radius-sm); color: white; background: var(--primary); font-weight: 750; text-decoration: none; box-shadow: var(--shadow-sm); }
.button:hover { border-color: var(--primary-hover); color: white; background: var(--primary-hover); }
.button.secondary { border-color: var(--line); color: var(--ink-soft); background: var(--surface); }
.button.secondary:hover { border-color: var(--primary); color: var(--primary); background: var(--surface-blue); }

.section { padding-block: clamp(3rem, 7vw, 5.5rem); }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 1.75rem; }
.section-heading > * { min-width: 0; }
.section-heading h2 { max-width: 18ch; margin-bottom: 0; }
.section-heading p { max-width: 620px; margin-bottom: 0; color: var(--muted); }
.section-heading-link { flex: 0 0 auto; font-weight: 750; }
.category-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.category-card { min-width: 0; min-height: 230px; padding: 1.4rem; display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--radius-md); color: var(--ink); background: var(--surface); box-shadow: var(--shadow-sm); text-decoration: none; transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease; overflow-wrap: anywhere; }
.category-card:hover { border-color: #84adff; color: var(--ink); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.category-card h3 { margin: 0 0 .5rem; font-size: 1.3rem; }
.category-card p { color: var(--muted); font-size: .9rem; }
.category-card .card-link { margin-top: auto; color: var(--primary); font-size: .9rem; font-weight: 750; }
.page-header { padding-block: clamp(3rem, 7vw, 5.5rem) 2rem; }
.page-header h1 { margin-bottom: 1.25rem; }
.page-header.compact { padding-bottom: 1rem; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: .45rem; padding-top: 1.2rem; color: var(--muted); font-size: .82rem; }
.breadcrumbs a { color: var(--ink-soft); }
.breadcrumbs + .page-header,
.breadcrumbs + .entity-header,
.breadcrumbs + .article-detail,
.breadcrumbs + .guide-detail { padding-block-start: 1.5rem; }
.landing-links { padding-bottom: 5rem; }
.category-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.category-links a { min-width: 0; min-height: 140px; padding: 1.35rem; display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--radius-md); color: var(--ink); background: var(--surface); text-decoration: none; box-shadow: var(--shadow-sm); overflow-wrap: anywhere; }
.category-links a:hover { border-color: #84adff; box-shadow: var(--shadow-md); }
.category-links strong { font-size: 1.1rem; }
.category-links span { margin-top: .35rem; color: var(--muted); font-size: .85rem; }
.category-links .card-link { margin-top: auto; color: var(--primary); font-weight: 750; }

.card-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; padding-bottom: 5rem; }
.institution-card { min-width: 0; min-height: 170px; padding: 1.4rem; display: grid; grid-template-columns: 145px minmax(0, 1fr) auto; align-items: center; gap: 1.4rem; border: 1px solid var(--line); border-radius: var(--radius-md); color: var(--ink); background: var(--surface); box-shadow: var(--shadow-sm); text-decoration: none; transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease; overflow-wrap: anywhere; }
.institution-card > * { min-width: 0; }
.institution-card:hover { border-color: #84adff; color: var(--ink); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.institution-card h2 { margin-bottom: .35rem; font-size: 1.35rem; }
.institution-card p { margin: 0; color: var(--muted); font-size: .88rem; }
.institution-card > .institution-card-arrow { color: var(--primary); font-weight: 800; }
.institution-logo { width: 145px; height: 52px; object-fit: contain; object-position: left center; }
.institution-logo.large { width: min(210px, 30vw); height: 80px; }
.logo-fallback { display: grid; place-items: center; width: 64px; height: 64px; border-radius: var(--radius-md); color: white; background: var(--primary-dark); font-size: 1.7rem; font-weight: 800; }

.product-list { display: grid; gap: .55rem; padding-block: .5rem 4rem; }
.product-card { display: grid; grid-template-columns: minmax(220px, 1.8fr) minmax(0, 5fr) 1rem; align-items: center; gap: .8rem; padding: .65rem .8rem; border: 1px solid var(--line); border-radius: var(--radius-md); color: var(--ink); background: var(--surface); box-shadow: var(--shadow-sm); text-decoration: none; transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease; }
.product-card > * { min-width: 0; }
.product-card:hover { border-color: #84adff; color: var(--ink); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.product-card:focus-visible { border-color: var(--primary); box-shadow: var(--shadow-md); }
.product-identity { display: grid; grid-template-columns: 64px minmax(0, 1fr); gap: .65rem; align-items: center; }
.product-identity .institution-logo { width: 64px; height: 32px; }
.product-identity .logo-fallback { width: 34px; height: 34px; border-radius: var(--radius-sm); font-size: 1rem; }
.product-identity span { display: block; color: var(--muted); font-size: .67rem; font-weight: 650; line-height: 1.3; overflow-wrap: anywhere; }
.product-identity h2 { margin: .12rem 0 0; font-size: .98rem; overflow-wrap: anywhere; }
.comparison-facts { display: grid; grid-template-columns: repeat(8, minmax(0, 1fr)); margin: 0; }
.comparison-facts div { min-width: 0; padding: .12rem .45rem; border-left: 1px solid var(--line); }
.comparison-facts dt { color: var(--muted); font-size: .61rem; font-weight: 650; line-height: 1.2; }
.comparison-facts dd { margin: .12rem 0 0; overflow-wrap: anywhere; font-size: .76rem; font-weight: 750; line-height: 1.25; }
.brokerage-facts { grid-template-columns: repeat(6, minmax(0, 1fr)); }
.product-card-arrow { color: var(--primary); font-size: 1rem; font-weight: 800; line-height: 1; text-align: right; transition: transform .18s ease; }
.product-card:hover .product-card-arrow { transform: translateX(2px); }
.empty-state { padding: 2rem; border: 1px dashed var(--line-strong); border-radius: var(--radius-md); color: var(--muted); background: var(--surface); }

.brokerage-offers { padding-block: .5rem 3.5rem; }
.brokerage-offers > header { margin-bottom: 1rem; }
.brokerage-offers > header h2 { margin: .25rem 0 .4rem; }
.brokerage-offers > header p:last-child { margin: 0; color: var(--muted); }
.brokerage-offer-list { display: grid; gap: .65rem; }
.brokerage-offer-card { min-width: 0; padding: .9rem 1rem; display: grid; grid-template-columns: minmax(210px, 1.5fr) minmax(220px, 2fr) minmax(245px, 1.5fr) 1rem; align-items: center; gap: 1rem; border: 1px solid var(--line); border-radius: var(--radius-md); color: var(--ink); background: var(--surface); box-shadow: var(--shadow-sm); text-decoration: none; overflow-wrap: anywhere; transition: border-color .18s ease, box-shadow .18s ease, transform .18s ease; }
.brokerage-offer-card:hover { border-color: #84adff; color: var(--ink); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.brokerage-offer-card > p { margin: 0; color: var(--ink-soft); font-size: .84rem; }
.brokerage-offer-identity { min-width: 0; display: grid; grid-template-columns: 64px minmax(0, 1fr); align-items: center; gap: .65rem; }
.brokerage-offer-identity .institution-logo { width: 64px; height: 32px; }
.brokerage-offer-identity .logo-fallback { width: 34px; height: 34px; border-radius: var(--radius-sm); font-size: 1rem; }
.brokerage-offer-identity span { color: var(--muted); font-size: .68rem; font-weight: 650; }
.brokerage-offer-card h3 { margin: .15rem 0 0; font-size: 1rem; }
.brokerage-offer-dates { margin: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.brokerage-offer-dates div { padding-inline: .65rem; border-left: 1px solid var(--line); }
.brokerage-offer-dates dt { color: var(--muted); font-size: .64rem; font-weight: 650; }
.brokerage-offer-dates dd { margin: .15rem 0 0; font-size: .78rem; font-weight: 750; }
.brokerage-product-offers { padding-block: 1.5rem 3rem; }
.brokerage-offer-detail-card { grid-template-columns: minmax(210px, 1.2fr) minmax(220px, 1.5fr) minmax(245px, 1.2fr) auto; }
.brokerage-offer-detail-card:hover { transform: none; }
.brokerage-offer-detail-card .eyebrow { margin: 0; }
.brokerage-offer-links { display: grid; gap: .35rem; font-size: .78rem; font-weight: 750; white-space: nowrap; }

.article-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.article-index-grid { padding-bottom: 5rem; }
.latest-articles .article-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.article-card { min-width: 0; display: flex; }
.article-card-link { min-width: 0; width: 100%; padding: 1.25rem; display: flex; flex-direction: column; gap: .9rem; border: 1px solid var(--line); border-radius: var(--radius-md); color: inherit; background: var(--surface); text-decoration: none; transition: border-color .18s ease, background-color .18s ease; overflow-wrap: anywhere; }
.article-card-link:hover { border-color: #84adff; color: inherit; background: #fbfdff; }
.article-card-link:focus-visible { border-color: var(--primary); outline: 3px solid var(--focus); outline-offset: 3px; }
.article-card-image { width: 100%; aspect-ratio: 12 / 5; border-radius: var(--radius-sm); object-fit: cover; }
.article-card-heading { min-width: 0; }
.article-card h2 { margin: .3rem 0 0; font-size: 1.3rem; text-decoration: none; }
.article-card-description { margin-bottom: 0; color: var(--ink-soft); }
.article-card footer { margin-top: auto; padding-top: .2rem; color: var(--muted); font-size: .82rem; }
.article-card footer span { padding-inline: .2rem; }
.article-format { margin-bottom: 0; }
.article-detail { max-width: 760px; padding-block: 2rem 4rem; }
.article-header { padding-bottom: 1.25rem; }
.article-header h1 { max-width: none; margin: .55rem 0 .75rem; font-size: clamp(2.25rem, 4vw, 3.25rem); }
.article-date { margin-bottom: 0; color: var(--muted); font-size: .88rem; }
.article-detail-image { width: 100%; max-inline-size: 100%; height: auto; margin: 0 auto 1.5rem; border-radius: var(--radius-md); }
.article-prose { max-width: none; }
.guide-detail { max-width: 1200px; padding-block: 2.5rem 5rem; }
.guide-hero { margin-bottom: 1.5rem; }
.guide-masthead { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr); gap: clamp(2rem, 6vw, 5rem); align-items: end; }
.guide-masthead > * { min-width: 0; }
.guide-masthead h1 { max-width: 14ch; margin: 0; }
.guide-intro { padding: .3rem 0 .35rem 1.5rem; border-left: 3px solid var(--primary); }
.guide-dek { margin: 0 0 1.15rem; color: var(--ink-soft); font-size: clamp(1.08rem, 1.8vw, 1.3rem); line-height: 1.5; }
.guide-jump { display: inline-flex; gap: .5rem; align-items: center; font-weight: 800; text-decoration: none; }
.guide-jump span { transition: transform .18s ease; }
.guide-jump:hover span { transform: translateY(2px); }
.guide-detail .article-detail-image { margin: 2.25rem 0 1rem; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.guide-hero .article-date { display: flex; flex-wrap: wrap; gap: .15rem .45rem; }
.guide-criteria { display: grid; grid-template-columns: minmax(220px, .75fr) minmax(0, 2fr); gap: 2rem; align-items: center; margin: 2.5rem 0 4rem; padding: clamp(1.35rem, 3vw, 2rem); border-radius: var(--radius-lg); color: white; background: var(--primary-dark); box-shadow: var(--shadow-md); }
.guide-criteria > * { min-width: 0; }
.guide-criteria .eyebrow { margin-bottom: .45rem; color: #fdb022; }
.guide-criteria h2 { margin: 0; color: white; font-size: clamp(1.45rem, 2.5vw, 2rem); }
.guide-criteria ul { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: .75rem; margin: 0; padding: 0; list-style: none; }
.guide-criteria li { min-width: 0; padding: 1rem; border: 1px solid rgb(255 255 255 / 18%); border-radius: var(--radius-md); background: rgb(255 255 255 / 8%); }
.guide-criteria strong, .guide-criteria span { display: block; }
.guide-criteria strong { font-size: clamp(1.1rem, 2vw, 1.35rem); }
.guide-criteria span { margin-top: .12rem; color: #dbe8ff; font-size: .78rem; line-height: 1.35; }
.guide-prose { width: min(880px, 100%); margin-inline: auto; font-size: 1.1rem; }
.guide-prose h2 { max-width: 22ch; margin-top: 3rem; }
.guide-prose p, .guide-prose li { max-width: none; }
.article-comparison { margin-top: 4rem; padding-top: 3.5rem; border-top: 1px solid var(--line); scroll-margin-top: 1rem; }
.article-comparison .section-heading > div { width: 100%; }
.article-comparison .section-heading h2 { max-width: none; }
.article-comparison .section-heading p { max-width: none; }
.account-assessment-list { display: grid; gap: 1.25rem; margin-top: 1.5rem; }
.account-assessment { min-width: 0; padding: clamp(1.2rem, 2.5vw, 1.75rem); display: grid; gap: 1.25rem; border: 1px solid var(--line); border-radius: var(--radius-lg); color: var(--ink); background: var(--surface); box-shadow: var(--shadow-sm); }
.assessment-overview { display: grid; grid-template-columns: minmax(280px, .85fr) minmax(0, 1.65fr); gap: clamp(1.5rem, 4vw, 3.5rem); align-items: center; }
.account-assessment .product-identity { grid-template-columns: 72px minmax(0, 1fr); gap: .85rem; }
.account-assessment .product-identity .institution-logo { width: 72px; height: 38px; }
.assessment-identity-link { min-width: 0; min-height: 64px; border-radius: var(--radius-sm); color: inherit; text-decoration: none; }
.account-assessment .product-identity span { font-size: .72rem; }
.account-assessment .product-identity h3 { margin: .18rem 0 0; overflow: visible; font-size: clamp(1.15rem, 2vw, 1.45rem); line-height: 1.15; text-overflow: clip; white-space: normal; }
.assessment-identity-link:hover h3 { color: var(--primary); }
.assessment-summary { min-width: 0; }
.good-for { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: .7rem; align-items: baseline; margin: 0 0 .65rem; }
.good-for span { color: var(--accent); font-size: .7rem; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; white-space: nowrap; }
.good-for strong { color: var(--primary-dark); font-size: 1.07rem; line-height: 1.35; }
.assessment-description { margin: 0; color: var(--ink-soft); overflow-wrap: anywhere; }
.assessment-facts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); margin: 0; border-block: 1px solid var(--line); background: #fbfcfe; }
.assessment-facts div { min-width: 0; padding: .8rem 1rem; border-right: 1px solid var(--line); }
.assessment-facts div:last-child { border-right: 0; }
.assessment-facts dt { color: var(--muted); font-size: .7rem; font-weight: 700; }
.assessment-facts dd { margin: .1rem 0 0; font-size: .95rem; font-weight: 800; overflow-wrap: anywhere; }
.assessment-tradeoffs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.assessment-list { padding: 1.15rem 1.25rem; border-radius: var(--radius-md); }
.assessment-list.pros { border: 1px solid #a9dbc4; background: #f0faf5; }
.assessment-list.cons { border: 1px solid #f2c6b8; background: #fff6f3; }
.assessment-list h4 { margin: 0 0 .65rem; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; }
.assessment-list.pros h4 { color: var(--success); }
.assessment-list.cons h4 { color: var(--accent); }
.assessment-list ul { display: grid; gap: .5rem; margin: 0; padding-left: 1.15rem; color: var(--ink-soft); font-size: .9rem; line-height: 1.45; }
.assessment-footer { display: flex; justify-content: space-between; gap: 1.5rem; align-items: end; }
.assessment-footer > * { min-width: 0; }
.assessment-footer .protection-summary { max-width: 78ch; margin: 0; color: var(--muted); font-size: .78rem; line-height: 1.45; }
.assessment-footer .card-link { min-height: 42px; padding: .55rem .75rem; display: inline-flex; flex: 0 0 auto; gap: .4rem; align-items: center; border: 1px solid var(--line); border-radius: var(--radius-sm); color: var(--primary); background: var(--surface); font-size: .88rem; font-weight: 800; text-decoration: none; }
.assessment-footer .card-link:hover { border-color: var(--primary); color: var(--primary-hover); background: var(--surface-blue); }

.entity-header { display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 3rem; align-items: center; padding-block: 2.5rem; }
.entity-header > * { min-width: 0; }
.entity-header h1 { margin-bottom: .8rem; }
.stat-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); margin-block: .5rem 2rem; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--surface); overflow: hidden; box-shadow: var(--shadow-sm); }
.stat-row div { min-width: 0; padding: 1.15rem 1.3rem; border-right: 1px solid var(--line); overflow-wrap: anywhere; }
.stat-row div:last-child { border: 0; }
.stat-row span, .stat-row strong { display: block; }
.stat-row span { color: var(--muted); font-size: .78rem; font-weight: 650; }
.stat-row strong { margin-top: .2rem; font-size: 1.25rem; }
.product-stat-row { grid-template-columns: repeat(4, minmax(0, 1fr)); margin-bottom: 1rem; }
.product-metadata, .institution-metadata { display: flex; flex-wrap: wrap; gap: .75rem 2rem; margin-block: 0 3rem; padding: 1rem 1.25rem; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--surface); }
.product-metadata div, .institution-metadata div { min-width: min(100%, 220px); display: grid; grid-template-columns: auto minmax(0, 1fr); gap: .35rem .65rem; align-items: baseline; }
.product-metadata dt, .institution-metadata dt { color: var(--muted); font-size: .76rem; font-weight: 700; }
.product-metadata dd, .institution-metadata dd { min-width: 0; margin: 0; font-weight: 750; }
.product-metadata dd, .institution-metadata dd, .product-feature-group dd { overflow-wrap: anywhere; }
.product-metadata a, .institution-metadata a { overflow-wrap: anywhere; }
.product-overview, .institution-overview { padding-block: 1rem 3.5rem; }
.product-overview h2, .institution-overview h2, .product-details > header h2 { margin: .25rem 0 1rem; }
.product-prose, .institution-prose { max-width: 78ch; }
.product-prose p, .product-prose li, .institution-prose p, .institution-prose li { max-width: none; }
.product-details { padding-block: 0 5rem; }
.product-feature-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.product-feature-group { min-width: 0; padding: 1.4rem; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--surface); overflow-wrap: anywhere; }
.product-feature-group h3 { margin-bottom: 1rem; font-size: 1.25rem; }
.product-feature-group dl { display: grid; gap: 1rem; margin: 0; }
.product-feature-group dl > div { display: grid; grid-template-columns: minmax(120px, .55fr) minmax(0, 1.45fr); gap: 1rem; padding-top: 1rem; border-top: 1px solid var(--line); }
.product-feature-group dt { color: var(--muted); font-size: .78rem; font-weight: 700; }
.product-feature-group dd { min-width: 0; margin: 0; }
.product-feature-group dd strong, .product-feature-group dd small { display: block; }
.product-feature-group dd small { margin-top: .28rem; color: var(--ink-soft); font-size: .83rem; line-height: 1.45; }
.product-feature-group > p { margin-bottom: 0; color: var(--ink-soft); }
.brokerage-inventory { padding-top: 1rem; }
.inventory-section { border-top: 4px solid #dce8ff; }
.fact-status.unknown { color: #8a4b08; }
.fact-status.not-applicable { color: var(--muted); }
.fact-status.disclosed { color: var(--ink); }
.brokerage-baseline li:last-child { border-color: rgb(253 176 34 / 55%); background: rgb(253 176 34 / 12%); }
.prose { max-width: 760px; color: var(--ink-soft); font-size: 1.06rem; }
.prose.narrow { padding-bottom: 5rem; }
.prose h2, .prose h3 { margin-top: 2.4rem; }
.prose p, .prose li { max-width: 70ch; }
.prose a { overflow-wrap: anywhere; }
.content-shell { width: min(1200px, calc(100% - 48px)); max-width: 1200px; }
.page-header.content-shell { padding-bottom: 1.25rem; }
.job-page h2 { margin-top: 2.75rem; font-size: 1.45rem; }
.job-page li { margin-bottom: .4rem; }
.detail-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; padding-bottom: 2rem; }
.detail-block { min-width: 0; padding: 1.5rem; border: 1px solid var(--line); border-radius: var(--radius-md); background: var(--surface); overflow-wrap: anywhere; }
.detail-block h2 { font-size: 1.4rem; }
.detail-block p:last-child { margin-bottom: 0; color: var(--ink-soft); }
.entity-section { padding-block: 2rem 5rem; border-top: 1px solid var(--line); }
.list-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.list-cards a { min-width: 0; padding: 1.1rem; display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--radius-md); color: var(--ink); background: var(--surface); text-decoration: none; overflow-wrap: anywhere; }
.list-cards a:hover { border-color: #84adff; box-shadow: var(--shadow-md); }
.list-cards span { color: var(--muted); font-size: .82rem; }
.error-page { min-height: 60vh; display: grid; align-items: center; }

.site-footer { border-top: 1px solid var(--line); background: var(--surface); }
.footer-inner { width: min(1200px, calc(100% - 48px)); margin-inline: auto; padding-block: 3rem 2rem; display: grid; grid-template-columns: minmax(220px, 1.15fr) minmax(0, 2fr); gap: 2.5rem 5rem; }
.footer-inner > * { min-width: 0; overflow-wrap: anywhere; }
.footer-brand p { max-width: 420px; margin: .35rem 0 0; color: var(--muted); font-size: .9rem; }
.footer-links { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1.5rem 2rem; }
.footer-link-group h2 { margin-bottom: .8rem; color: var(--ink); font-size: .9rem; letter-spacing: 0; }
.footer-link-group h2 a { color: inherit; text-decoration: none; }
.footer-link-group h2 a:hover { color: var(--primary); text-decoration: underline; }
.site-footer nav { display: grid; align-items: start; gap: .45rem; }
.site-footer nav a { color: var(--muted); font-size: .84rem; font-weight: 600; line-height: 1.4; text-decoration: none; }
.site-footer nav a:hover { color: var(--primary); text-decoration: underline; }
.footer-note { grid-column: 1 / -1; margin: 0; padding-top: 1.25rem; border-top: 1px solid var(--line); color: var(--muted); font-size: .8rem; }

@media (max-width: 900px) {
  .category-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .card-grid { grid-template-columns: minmax(0, 1fr); }
  .article-grid, .latest-articles .article-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .guide-masthead, .guide-criteria { grid-template-columns: minmax(0, 1fr); }
  .guide-masthead { gap: 1.5rem; }
  .guide-intro { max-width: 700px; }
  .assessment-overview { grid-template-columns: minmax(0, 1fr); gap: 1.25rem; }
  .product-feature-grid { grid-template-columns: minmax(0, 1fr); }
  .brokerage-stat-row { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .product-card { grid-template-columns: minmax(200px, 1.3fr) minmax(0, 2fr) 1rem; }
  .brokerage-offer-card, .brokerage-offer-detail-card { grid-template-columns: minmax(200px, 1fr) minmax(0, 1.5fr); }
  .brokerage-offer-dates, .brokerage-offer-links { grid-column: 2; }
  .comparison-facts { grid-template-columns: repeat(4, minmax(0, 1fr)); row-gap: .5rem; }
}

@media (max-width: 760px) {
  .site-header { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; gap: .65rem 1rem; }
  .site-header.is-menu-enhanced .menu-toggle { display: inline-flex; }
  .site-nav { width: 100%; grid-column: 1 / -1; display: grid; align-items: stretch; gap: .2rem; padding-top: .65rem; border-top: 1px solid var(--line); }
  .site-header.is-menu-enhanced .menu-toggle[aria-expanded="false"] + .site-nav { display: none; }
  .site-nav > a, .nav-category { width: 100%; min-height: 44px; justify-content: flex-start; padding: .6rem .75rem; font-size: .9rem; text-align: left; }
  .nav-group { min-width: 0; display: grid; }
  .nav-category::after, .nav-submenu::before { display: none; }
  .nav-submenu { position: static; display: grid; min-width: 0; padding: 0 0 .25rem .75rem; border: 0; border-radius: 0; visibility: visible; opacity: 1; background: transparent; box-shadow: none; transform: none; transition: none; }
  .nav-group:hover .nav-submenu, .nav-group:focus-within .nav-submenu { transform: none; }
  .nav-submenu a { min-width: 0; min-height: 44px; padding: .6rem .75rem; display: flex; align-items: center; white-space: normal; overflow-wrap: anywhere; }
  .entity-header { grid-template-columns: minmax(0, 1fr); gap: 1.4rem; }
  .article-grid, .latest-articles .article-grid { grid-template-columns: minmax(0, 1fr); }
  .guide-criteria ul, .assessment-tradeoffs { grid-template-columns: minmax(0, 1fr); }
  .institution-logo.large { width: 180px; }
  .section-heading { align-items: start; grid-template-columns: minmax(0, 1fr); display: grid; }
  .footer-inner { grid-template-columns: minmax(0, 1fr); }
  .footer-links { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-note { grid-column: auto; }
  .product-card { grid-template-columns: minmax(0, 1fr) 1rem; }
  .product-identity { grid-column: 1; grid-row: 1; }
  .comparison-facts { grid-column: 1 / -1; grid-row: 2; }
  .product-card-arrow { grid-column: 2; grid-row: 1; }
  .brokerage-offer-card, .brokerage-offer-detail-card { grid-template-columns: minmax(0, 1fr) 1rem; }
  .brokerage-offer-identity, .brokerage-offer-detail-card > div:first-child { grid-column: 1; }
  .brokerage-offer-card > p, .brokerage-offer-dates, .brokerage-offer-links { grid-column: 1 / -1; }
  .brokerage-offer-card > .product-card-arrow { grid-column: 2; grid-row: 1; }
}

@media (max-width: 540px) {
  .shell, .footer-inner { width: min(100% - 28px, 1200px); }
  .content-shell { width: min(100% - 28px, 1200px); }
  .site-header { padding-inline: 14px; }
  .brand-mark { width: 3.75rem; }
  .brand-name { font-size: 1.25rem; }
  .footer-links { grid-template-columns: minmax(0, 1fr); }
  .hero { padding-block: 3.25rem; }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .button { width: 100%; }
  .guide-detail { padding-top: 1.75rem; }
  .guide-intro { padding-left: 1rem; }
  .guide-detail .article-detail-image { margin-top: 1.5rem; border-radius: var(--radius-md); }
  .guide-criteria { margin-block: 2rem 3rem; }
  .guide-criteria ul { gap: .5rem; }
  .guide-criteria li { padding: .8rem .9rem; }
  .account-assessment { gap: 1rem; padding: 1rem; }
  .good-for { grid-template-columns: minmax(0, 1fr); gap: .2rem; }
  .assessment-facts { grid-template-columns: minmax(0, 1fr); }
  .assessment-facts div { border-right: 0; border-bottom: 1px solid var(--line); }
  .assessment-facts div:last-child { border-bottom: 0; }
  .assessment-list { padding: 1rem; }
  .assessment-footer { align-items: flex-start; flex-direction: column; gap: .85rem; }
  .product-header { padding-bottom: 1.5rem; }
  .product-metadata, .institution-metadata { align-items: flex-start; flex-direction: column; margin-bottom: 2rem; }
  .product-metadata div, .institution-metadata div { width: 100%; grid-template-columns: minmax(0, 1fr); gap: .15rem; }
  .product-overview, .institution-overview { padding-bottom: 2.5rem; }
  .product-feature-group dl > div { grid-template-columns: minmax(0, 1fr); gap: .3rem; }
  .category-grid, .category-links, .detail-grid, .list-cards { grid-template-columns: minmax(0, 1fr); }
  .category-card { min-height: 190px; }
  .institution-card { grid-template-columns: 95px minmax(0, 1fr); gap: 1rem; }
  .institution-card > .institution-card-arrow { display: none; }
  .institution-logo { width: 95px; }
  .product-card { padding: .7rem; }
  .product-identity { grid-template-columns: 56px minmax(0, 1fr); }
  .product-identity .institution-logo { width: 56px; height: 30px; }
  .comparison-facts { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: .45rem; }
  .brokerage-offer-dates { grid-template-columns: minmax(0, 1fr); gap: .55rem; }
  .brokerage-offer-dates div { padding: 0; border-left: 0; }
  .comparison-facts .secondary-fact { display: none; }
  .comparison-facts div:nth-child(odd) { border-left: 0; }
  .stat-row { grid-template-columns: minmax(0, 1fr); }
  .brokerage-stat-row { grid-template-columns: 1fr; }
  .stat-row div { border-right: 0; border-bottom: 1px solid var(--line); }
}

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