:root{
  /* DIFFERENT palette from your other pages: cobalt + violet + cool gray */
  --bg:#f4f7fb;
  --paper:#ffffff;
  --ink:#0f172a;
  --muted:#465363;

  --cobalt:#2b59ff;
  --cobalt2:#2146d6;

  --violet:#6d28d9;
  --violetSoft: rgba(109,40,217,.10);

  --peachSoft: rgba(245,158,11,.14);

  --border: rgba(15,23,42,.10);
  --soft: rgba(15,23,42,.06);

  --shadow: 0 22px 50px rgba(2,6,23,.10);
  --shadow2: 0 12px 26px rgba(2,6,23,.08);

  --r:18px;
  --r2:24px;
  --max:1160px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial;
  background: radial-gradient(1200px 700px at 20% 10%, rgba(43,89,255,.08), transparent 55%),
              radial-gradient(1000px 600px at 85% 25%, rgba(109,40,217,.08), transparent 55%),
              var(--bg);
  color: var(--ink);
  line-height: 1.75;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:underline}

/* skip link */
.skip{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip:focus{
  left:16px;top:16px;width:auto;height:auto;
  padding:10px 12px;border-radius:12px;
  background:#111827;color:#fff;z-index:999
}

/* header */
.topbar{
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(244,247,251,.80);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--soft);
}
.topbar__inner{
  max-width: var(--max);
  margin: 0 auto;
  padding: 14px 18px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 14px;
  flex-wrap:wrap;
}

.brand{display:flex;align-items:center;gap:12px}
.brand__glyph{
  width:14px;height:14px;border-radius:6px;
  background: linear-gradient(90deg, var(--cobalt), var(--violet));
  box-shadow: 0 0 0 6px rgba(43,89,255,.12);
}
.brand__name{font-weight:950;letter-spacing:-.2px}
.brand__sub{font-size:12px;color:var(--muted);margin-top:2px}

.nav{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.nav a{
  font-size:14px;
  padding:8px 10px;
  border-radius:999px;
  background: rgba(255,255,255,.62);
  border: 1px solid transparent;
}
.nav a:hover{border-color:var(--soft);background: rgba(255,255,255,.86)}
.nav__cta{
  font-weight:950;
  color: var(--violet);
  background: rgba(109,40,217,.10) !important;
  border-color: rgba(109,40,217,.16) !important;
}

/* mobile menu */
.menuBtn{
  display:none;
  align-items:center;
  gap:10px;
  padding:10px 12px;
  border-radius:999px;
  border:1px solid var(--border);
  background: rgba(255,255,255,.86);
  cursor:pointer;
  font-weight:950;
}
.menuBtn__icon{width:18px;height:12px;position:relative;display:inline-block}
.menuBtn__icon::before,
.menuBtn__icon::after{
  content:"";
  position:absolute;left:0;right:0;height:2px;border-radius:2px;
  background: linear-gradient(90deg, var(--cobalt), var(--violet));
}
.menuBtn__icon::before{top:0}
.menuBtn__icon::after{bottom:0}
.menuBtn__label{font-size:14px}

@media (max-width: 920px){
  .menuBtn{display:inline-flex}
  .nav{
    width:100%;
    display:none;
    flex-direction:column;
    align-items:stretch;
    gap:10px;
    padding:12px 0 2px;
  }
  .nav.isOpen{display:flex}
  .nav a{padding:12px 12px;background: rgba(255,255,255,.92)}
}

/* wrapper */
.wrap{
  max-width: var(--max);
  margin: 0 auto;
  padding: 26px 18px 80px;
}

/* hero */
.hero{margin-top: 10px}
.hero__grid{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 16px;
  align-items:start;
}
@media (max-width: 980px){
  .hero__grid{grid-template-columns:1fr}
}
.hero__copy{
  background: rgba(255,255,255,.85);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 26px;
  box-shadow: var(--shadow);
}
.hero__aside{
  display:flex;
  flex-direction:column;
  gap: 12px;
}

/* typog */
h1{
  margin: 10px 0 10px;
  font-size: clamp(30px, 3.1vw, 46px);
  line-height: 1.12;
  letter-spacing: -0.6px;
}
h2{
  margin:0 0 10px;
  font-size: 22px;
  letter-spacing: -0.25px;
}
h3{margin:0 0 8px;font-size:16px}
p{margin:0 0 14px;color:var(--muted)}
.lead{margin:0 0 18px;color:var(--muted);max-width: 82ch}

/* pills */
.pillRow{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-bottom:10px}
.pill{
  display:inline-flex;
  padding:6px 10px;
  border-radius:999px;
  font-size:12px;
  font-weight:950;
  color:#fff;
  background: linear-gradient(90deg, var(--cobalt), var(--violet));
}
.pill--soft{
  color: var(--ink);
  background: rgba(255,255,255,.70);
  border: 1px solid rgba(109,40,217,.16);
}

/* buttons */
.ctaRail{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid rgba(15,23,42,.10);
}
.ctaRail--bottom{margin-top:16px}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding: 12px 18px;
  border-radius: 999px;
  font-weight: 950;
  border: 1px solid rgba(15,23,42,.14);
  background: rgba(255,255,255,.88);
  color: var(--ink);
  box-shadow: var(--shadow2);
  text-decoration:none;
}
.btn:hover{background:#fff}

.btn--primary{
  background: linear-gradient(90deg, var(--cobalt), var(--cobalt2));
  border-color: transparent;
  color: #fff;
}
.btn--primary:hover{
  background: linear-gradient(90deg, var(--cobalt), var(--cobalt2));
  filter: brightness(.98);
  text-decoration:none;
}
.btn--ghost{
  background: transparent;
  border-color: rgba(43,89,255,.22);
  color: var(--cobalt2);
}
.btn--soft{
  background: var(--violetSoft);
  border-color: rgba(109,40,217,.18);
  color: var(--violet);
}
.btn--full{width:100%}

/* stat strip */
.statStrip{
  margin-top: 18px;
  display:grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 10px;
}
@media (max-width: 980px){
  .statStrip{grid-template-columns:1fr}
}
.stat{
  background: rgba(255,255,255,.78);
  border: 1px solid var(--soft);
  border-radius: 16px;
  padding: 12px 14px;
}
.stat__k{font-weight:950;margin-bottom:4px;color:var(--ink)}
.stat__v{font-size:13px;color:var(--muted);line-height:1.5}
.stat--mid{border-left:5px solid rgba(43,89,255,.60)}
.stat--warn{border-left:5px solid rgba(245,158,11,.90)}

/* cards */
.card{
  background: rgba(255,255,255,.85);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 18px;
  box-shadow: var(--shadow2);
}
.cardTitle{font-weight:950;margin-bottom:6px}
.cardText{margin:0 0 12px}
.card--tip{background: rgba(255,255,255,.78)}
.card--author{background: rgba(255,255,255,.88)}

.authorRow{display:flex;gap:12px;align-items:center;margin-bottom:10px}
.avatar{
  width:64px;height:64px;border-radius:18px;overflow:hidden;
  border: 1px solid var(--border);
  box-shadow: var(--shadow2);
  background:#fff;
}
.avatar img{width:100%;height:100%;object-fit:cover}
.authorName{font-weight:950;letter-spacing:-.2px}
.authorRole{font-size:13px;color:var(--muted);margin-top:2px}
.authorText{margin:0;color:var(--muted);line-height:1.6}

/* sections */
.section{margin: 34px 0}
.sectionHead{margin-bottom: 16px}
.sectionHead p{margin:0;color:var(--muted);max-width: 86ch}

.section--alt{
  background: rgba(255,255,255,.72);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 26px;
  box-shadow: var(--shadow2);
}
.section--alt2{
  background: rgba(109,40,217,.06);
  border: 1px solid rgba(109,40,217,.12);
  border-radius: var(--r2);
  padding: 26px;
  box-shadow: var(--shadow2);
}
.section--alert{
  background: rgba(245,158,11,.10);
  border: 1px solid rgba(245,158,11,.18);
  border-radius: var(--r2);
  padding: 26px;
  box-shadow: var(--shadow2);
}

/* panels grid */
.grid3{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
@media (max-width: 1100px){
  .grid3{grid-template-columns:1fr 1fr}
}
@media (max-width: 760px){
  .grid3{grid-template-columns:1fr}
}
.panel{
  background: rgba(255,255,255,.82);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 16px;
  box-shadow: var(--shadow2);
}
.panel p{margin:0;color:var(--muted)}

/* compare */
.compare{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
@media (max-width: 900px){
  .compare{grid-template-columns:1fr}
}
.compareCol{
  background: rgba(255,255,255,.78);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 16px;
}
.compareCol--strong{
  border-color: rgba(43,89,255,.18);
  background: rgba(43,89,255,.06);
}
.compareTitle{font-weight:950;margin-bottom:10px}

.bullets{margin:0;padding-left:18px;color:var(--muted)}
.bullets li{margin:7px 0}

.callBand{
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid rgba(15,23,42,.10);
  display:flex;
  gap: 14px;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
}

/* 2 col boxes */
.twoCol{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
@media (max-width: 980px){
  .twoCol{grid-template-columns:1fr}
}
.box{
  background: rgba(255,255,255,.82);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 16px;
  box-shadow: var(--shadow2);
}
.box--tint{
  background: rgba(43,89,255,.06);
  border-color: rgba(43,89,255,.12);
}

/* CTA block */
.ctaBlock{
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid rgba(15,23,42,.10);
  display:flex;
  gap: 14px;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
}
.ctaBlock__text{color:var(--muted)}
.ctaBlock__actions{display:flex;gap:12px;flex-wrap:wrap}

/* risk cards */
.riskGrid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
@media (max-width: 980px){
  .riskGrid{grid-template-columns:1fr}
}
.riskCard{
  background: rgba(255,255,255,.80);
  border: 1px solid rgba(109,40,217,.12);
  border-radius: var(--r2);
  padding: 16px;
  box-shadow: var(--shadow2);
}
.riskCard p{margin:0}

/* timeline */
.timeline{
  background: rgba(255,255,255,.85);
  border: 1px solid var(--soft);
  border-radius: var(--r2);
  padding: 10px 10px;
  box-shadow: var(--shadow2);
}
.t{
  display:grid;
  grid-template-columns: 18px 1fr;
  gap: 12px;
  padding: 12px 10px;
  border-top: 1px solid rgba(15,23,42,.06);
}
.t:first-child{border-top:none}
.t__dot{
  width: 10px;height: 10px;border-radius:999px;
  margin-top: 6px;
  background: rgba(43,89,255,.85);
  box-shadow: 0 0 0 6px rgba(43,89,255,.12);
}
.t__dot--accent{
  background: rgba(109,40,217,.90);
  box-shadow: 0 0 0 6px rgba(109,40,217,.12);
}
.t__body p{margin:0}

/* checks + faq */
.checks{
  margin: 10px 0 0;
  padding-left: 18px;
  color: var(--muted);
}
.checks li{margin: 8px 0}

.faqWrap{margin-top: 12px}
.faq{
  background: rgba(255,255,255,.80);
  border: 1px solid var(--soft);
  border-radius: 16px;
  padding: 12px 14px;
  margin-top: 10px;
}
.faq summary{cursor:pointer;font-weight:950}
.faq p{margin:10px 0 0}

/* footer */
.footer{
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid rgba(15,23,42,.10);
  color:#5f6b73;
  font-size: 13px;
}

/* print */
@media print{
  .topbar, .btn, .menuBtn { display:none !important; }
  body{background:#fff;color:#000}
  p, li{color:#000}
  .wrap{max-width:none}
}