:root{
  --navy:#185C52; --navy-2:#0f2742; --band:#eaf2fb; --band-2:#f5f9fd;
  --accent:#C2410C; --accent-2:#9A3412;
  --ink:#2b3038; --muted:#6b7480; --line:#e4e9f0; --card:#ffffff;
  --serif:Georgia,'Times New Roman',serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{background:#fff;color:var(--ink);font-family:var(--sans);line-height:1.6;-webkit-font-smoothing:antialiased;min-height:100vh;display:flex;flex-direction:column}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}

/* ===== header (topbar) ===== */
.topbar{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.topbar .bar{position:relative;max-width:1080px;margin:0 auto;padding:24px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:inline-flex;align-items:center;gap:7px;text-decoration:none;font-family:var(--serif);color:var(--navy);line-height:1}
.brand:hover{text-decoration:none}
.brand .mark{width:24px;height:24px;border:2px solid currentColor;border-radius:3px;display:inline-flex;align-items:center;justify-content:center;font-family:var(--sans);font-weight:900;font-size:15px;line-height:1;flex:none}
.brand .wordmark{font-family:var(--serif);font-size:22px;font-weight:700;letter-spacing:-.01em;color:inherit}
.topnav{display:flex;align-items:center;gap:26px}
.topnav a{font-size:14.5px;font-weight:600;color:var(--navy);text-decoration:none}
.topnav a:hover{color:var(--accent)}
.topnav a[aria-current="page"]{color:var(--accent)}
/* ===== mobile hamburger (hidden on desktop; ≤760px it toggles .topnav as a dropdown) ===== */
.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;margin:-8px -8px;padding:8px;background:none;border:0;cursor:pointer}
.nav-toggle span{display:block;height:2px;width:26px;background:var(--navy);border-radius:2px;transition:transform .22s ease,opacity .18s ease}
.nav-toggle{-webkit-tap-highlight-color:transparent}
.topbar .nav-toggle:hover,.topbar .nav-toggle:focus,.topbar .nav-toggle:active,.topbar .nav-toggle:focus-visible{background:none;color:inherit;box-shadow:none;outline:none}
@media (max-width:760px){
  .topbar .bar{padding:16px 18px}
  .nav-toggle{display:flex}
  .topnav{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 18px 34px -20px rgba(21,53,92,.55);max-height:0;overflow:hidden;visibility:hidden;transition:max-height .26s ease,visibility 0s linear .26s}
  .topbar.nav-open .topnav{max-height:75vh;visibility:visible;transition:max-height .26s ease}
  .topnav a{padding:15px 22px;font-size:16px;border-top:1px solid var(--line)}
  .topnav a:first-child{border-top:0}
  .topbar.nav-open .nav-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .topbar.nav-open .nav-toggle span:nth-child(2){opacity:0}
  .topbar.nav-open .nav-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}

/* ===== hero ===== */
.hero{background:linear-gradient(180deg,#eaf2fb 0%,#f6f9fd 100%);border-bottom:1px solid var(--line);text-align:center;padding:64px 22px 58px}
.hero .kicker{font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--accent);margin-bottom:14px}
.hero h1{font-family:var(--serif);font-size:48px;line-height:1.08;letter-spacing:-.02em;color:var(--navy);max-width:17ch;margin:0 auto 16px}
.hero p{font-size:18px;line-height:1.55;color:var(--muted);max-width:58ch;margin:0 auto}

/* ===== value boxes (overlap hero) ===== */
.stats{max-width:1080px;margin:-36px auto 0;padding:0 22px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;position:relative;z-index:2}
.stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 22px;box-shadow:0 14px 34px -20px rgba(21,53,92,.5);text-align:center}
.stat .ic{width:42px;height:42px;border-radius:11px;background:rgba(255,106,0,.1);color:var(--accent);display:inline-flex;align-items:center;justify-content:center;margin-bottom:13px}
.stat h3{font-size:16px;color:var(--navy);margin-bottom:5px}
.stat p{font-size:13.5px;color:var(--muted);margin:0;line-height:1.5}

/* ===== sections ===== */
.section{padding:64px 0}
.sec-head{text-align:center;margin-bottom:36px}
.sec-head .eyebrow{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);margin-bottom:10px}
.sec-head h2{font-family:var(--serif);font-size:30px;color:var(--navy);letter-spacing:-.01em}
.sec-head p{color:var(--muted);font-size:15.5px;margin:8px auto 0;max-width:58ch}

/* ===== categories grid ===== */
.cats{background:var(--band-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:14px}
.cat{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;color:var(--navy);text-decoration:none;transition:transform .12s ease,box-shadow .12s ease}
.cat:hover{transform:translateY(-4px);box-shadow:0 16px 32px -18px rgba(21,53,92,.55);text-decoration:none}
.cat .thumb{height:108px;display:flex;align-items:center;justify-content:center;font-size:40px;line-height:1}
.cat .label{padding:12px 10px;text-align:center;font-size:13.5px;font-weight:600;border-top:1px solid var(--line);color:var(--navy)}

/* ===== buttons ===== */
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:700;font-size:14.5px;padding:12px 24px;border-radius:9px;text-decoration:none;transition:background .12s ease}
.btn:hover{background:var(--accent-2);text-decoration:none}
.btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent);background:#fff}

/* ===== about band ===== */
.about .lead{max-width:720px;margin:0 auto;text-align:center;font-size:17px;line-height:1.75;color:var(--ink)}
.about .more{text-align:center;margin-top:22px}

/* ===== how we rank band ===== */
.howrank{background:var(--navy)}
.howrank .wrap{text-align:center;padding:56px 22px}
.howrank h2{font-family:var(--serif);color:#fff;font-size:28px;margin-bottom:14px}
.howrank p{max-width:64ch;margin:0 auto 24px;color:#c2d2e6;font-size:15.5px;line-height:1.7}
.howrank .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4)}
.howrank .btn-ghost:hover{border-color:var(--accent);color:#fff;background:rgba(255,255,255,.07)}

/* ===== featured cards ===== */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fcard{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.fcard .top{background:linear-gradient(135deg,#eaf2fb,#f6f9fd);border-bottom:1px solid var(--line);padding:16px 20px;font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.fcard .fbody{padding:18px 20px 22px}
.fcard h3{font-family:var(--serif);font-size:18px;color:var(--navy);margin-bottom:8px;line-height:1.25}
.fcard p{font-size:14px;color:var(--muted);margin:0;line-height:1.55}

/* ===== footer ===== */
.footer{background:var(--navy-2);color:#aebfd2;padding:42px 0 36px;margin-top:auto}
.footer-brand{text-align:center;margin-bottom:20px}
.footer .brand{color:#fff;justify-content:center}
.footer-links{display:flex;justify-content:center;flex-wrap:wrap;gap:22px;margin-bottom:18px;padding:0 22px}
.footer-links a{font-size:13.5px;color:#dbe5f1;text-decoration:none}
.footer-links a:hover{color:#fff}
.disclosure{text-align:center;font-size:12.5px;line-height:1.6;color:#90a3ba;max-width:70ch;margin:0 auto 14px;padding:0 22px}
.copy{text-align:center;font-size:12px;color:#7f93ab;line-height:1.7;padding:0 22px}
.copy a{color:#aebfd2}

/* ===== legal / info prose pages ===== */
.prose{max-width:760px;margin:0 auto;padding:48px 22px 60px}
.prose h1{font-family:var(--serif);font-size:34px;line-height:1.15;letter-spacing:-.02em;margin:0 0 6px;color:var(--navy)}
.prose .updated{font-size:13px;color:var(--muted);margin-bottom:30px}
.prose h2{font-family:var(--serif);font-size:21px;margin:32px 0 12px;color:var(--navy)}
.prose h3{font-size:15px;margin:22px 0 8px;color:var(--navy)}
.prose p,.prose li{font-size:15.5px;line-height:1.7;color:var(--ink);margin:0 0 14px}
.prose ul,.prose ol{margin:0 0 14px 22px}
.prose a{color:var(--accent);font-weight:600}
.prose address{font-style:normal;line-height:1.8;color:var(--ink);margin:0 0 14px}

/* ===== legacy centered masthead (legal/DE pages until header is propagated) ===== */
.masthead{text-align:center;padding:22px 22px 18px;border-bottom:1px solid var(--line)}
.masthead .brand{justify-content:center}
.masthead .wordmark{font-family:var(--serif);font-size:24px;font-weight:700;letter-spacing:-.01em;color:var(--navy)}
.masthead .tag{margin-top:7px;font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.masthead .nav{margin-top:14px;display:flex;justify-content:center;gap:24px;flex-wrap:wrap}
.masthead .nav a{font-size:13px;font-weight:600;color:var(--navy)}
.masthead .nav a:hover{color:var(--accent)}
.masthead .nav a[aria-current="page"]{color:var(--accent)}

/* ===== 404 ===== */
.notfound{text-align:center;padding:80px 22px}
.notfound h1{font-family:var(--serif);font-size:42px;color:var(--navy);margin-bottom:10px}
.notfound p{color:var(--muted);margin-bottom:22px}

/* ===== responsive ===== */
@media (max-width:880px){
  .stats{grid-template-columns:1fr;margin-top:-26px}
  .cards3{grid-template-columns:1fr}
  .hero h1{font-size:38px}
  .sec-head h2{font-size:26px}
}
@media (max-width:600px){
  .brand .wordmark{font-size:19px}
  .brand .mark{width:21px;height:21px;font-size:13px}
  .hero{padding:46px 18px 46px}
  .cat-grid{grid-template-columns:repeat(auto-fill,minmax(116px,1fr))}
}