:root{
  --tan:#C9A876;
  --cream:#FAF6ED;
  --coffee:#3E2E1E;
  --taupe:#6B5A3E;
  --border:#E8DCC3;
  --rust:#B0552E;
  --white:#FFFFFF;
  --font-display:'Archivo', sans-serif;
  --font-body:'Inter', sans-serif;
}
*{box-sizing:border-box; margin:0; padding:0;}
body{font-family:var(--font-body); background:var(--cream); color:var(--coffee); line-height:1.6; font-size:15px;}
h1,h2,h3,h4{font-family:var(--font-display); font-weight:800; color:var(--coffee);}
a{color:inherit; text-decoration:none;}
img{max-width:100%; display:block;}

/* Topbar */
.topbar{background:var(--coffee); color:var(--tan); font-size:13px; text-align:center; padding:8px 20px;}
.topbar a{color:#fff; font-weight:600; margin-left:8px;}

/* Header */
header{background:var(--tan);}
.header-inner{max-width:1200px; margin:0 auto; padding:18px 24px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:16px;}
.logo{display:flex; align-items:center; gap:10px; font-family:var(--font-display); font-weight:900; font-size:20px; color:#fff;}
.logo img{width:32px; height:32px;}
nav{display:flex; gap:26px; flex-wrap:wrap;}
nav a{color:var(--coffee); font-size:14px; font-weight:600; opacity:0.85;}
nav a:hover, nav a.active{opacity:1; text-decoration:underline;}
.nav-cta{background:var(--coffee) !important; color:#fff !important; padding:10px 18px; font-size:13px; font-weight:700; opacity:1 !important;}
.hamburger{display:none; background:none; border:none; cursor:pointer;}
.hamburger span{display:block; width:24px; height:2px; background:var(--coffee); margin:5px 0;}

/* Breadcrumb */
.breadcrumb{max-width:1200px; margin:0 auto; padding:14px 24px; font-size:13px; color:var(--taupe);}
.breadcrumb a{color:var(--rust); font-weight:600;}
.breadcrumb span{margin:0 8px; color:#C9BBA5;}

/* Hero band (vertical hub / article pages) */
.page-hero{background:linear-gradient(160deg, var(--coffee) 0%, #2A1F14 100%); padding:48px 24px; border-bottom:3px solid var(--tan);}
.page-hero-inner{max-width:900px; margin:0 auto;}
.page-hero-tag{display:inline-block; background:rgba(255,255,255,0.12); color:var(--tan); font-size:12px; font-weight:700; padding:4px 14px; margin-bottom:14px; letter-spacing:0.02em;}
.page-hero h1{font-size:36px; color:#fff; margin-bottom:10px; line-height:1.2;}
.page-hero p{font-size:16px; color:rgba(255,255,255,0.8);}

/* Main layout */
.main-wrap{max-width:1200px; margin:0 auto; padding:0 24px; display:grid; grid-template-columns:1fr 320px; gap:40px;}
main{padding:40px 0;}
aside{padding:40px 0;}

/* Article body */
.article-meta{font-size:13px; color:var(--taupe); margin-bottom:24px; padding-bottom:16px; border-bottom:1px solid var(--border); display:flex; gap:20px; flex-wrap:wrap;}
.article-body h2{font-size:24px; margin:32px 0 14px; padding-bottom:8px; border-bottom:2px solid var(--border);}
.article-body h3{font-size:18px; margin:22px 0 10px;}
.article-body p{font-size:15px; line-height:1.85; color:var(--taupe); margin-bottom:16px;}
.article-body ul, .article-body ol{padding-left:22px; margin-bottom:16px;}
.article-body li{font-size:15px; line-height:1.8; color:var(--taupe); margin-bottom:8px;}
.article-body strong{color:var(--coffee);}

.callout{background:var(--white); border-left:4px solid var(--rust); padding:16px 20px; margin:20px 0; font-size:14px; color:var(--taupe); line-height:1.7; border-radius:0 6px 6px 0;}
.callout strong{color:var(--coffee);}

/* Provider comparison card */
.provider-card{background:var(--white); border:1.5px solid var(--border); border-radius:8px; padding:18px 20px; margin-bottom:14px;}
.provider-card .name{font-family:var(--font-display); font-size:16px; font-weight:700; color:var(--coffee); margin-bottom:4px;}
.provider-card .meta{font-size:14px; color:var(--taupe); line-height:1.7;}
.provider-card .note{font-size:13px; color:#8B7A5E; margin-top:6px;}

table.rate-table{width:100%; border-collapse:collapse; margin-bottom:28px; font-size:14px;}
table.rate-table th{background:var(--coffee); color:#fff; padding:12px 14px; text-align:left; font-size:12px; letter-spacing:0.03em; text-transform:uppercase;}
table.rate-table td{padding:12px 14px; border-bottom:1px solid var(--border); color:var(--taupe);}
table.rate-table tr:nth-child(even) td{background:var(--white);}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border); padding:16px 0;}
.faq-q{font-weight:700; color:var(--coffee); margin-bottom:8px; font-size:15px;}
.faq-a{font-size:14px; color:var(--taupe); line-height:1.7; margin:0;}

/* Sidebar widgets */
.sidebar-widget{background:var(--coffee); border-radius:10px; padding:22px; margin-bottom:20px;}
.sidebar-widget h4{color:var(--tan); font-size:16px; margin-bottom:8px;}
.sidebar-widget p{color:rgba(255,255,255,0.75); font-size:13px; margin-bottom:14px; line-height:1.6;}
.sidebar-widget .btn-block{background:var(--rust); color:#fff; padding:11px; border-radius:6px; text-align:center; font-size:13px; font-weight:700; display:block;}
.sidebar-widget.light{background:var(--white); border:1.5px solid var(--border);}
.sidebar-widget.light h4{color:var(--coffee);}
.sidebar-widget.light p{color:var(--taupe);}

.sidebar-links{background:var(--white); border:1.5px solid var(--border); border-radius:10px; padding:20px; margin-bottom:20px;}
.sidebar-links h4{font-size:14px; margin-bottom:12px; padding-bottom:10px; border-bottom:1px solid var(--border);}
.sidebar-links a{display:block; font-size:13px; color:var(--taupe); padding:6px 0; font-weight:600;}
.sidebar-links a:hover{color:var(--rust);}

/* Buttons */
.btn-primary{background:var(--rust); color:#fff; padding:14px 26px; font-weight:700; font-size:15px; border:none; display:inline-block; border-radius:6px;}
.btn-secondary{background:transparent; color:var(--coffee); padding:12px 24px; font-weight:700; font-size:14px; border:2px solid var(--coffee); display:inline-block; border-radius:6px;}

/* Vertical grid (homepage / hub) */
.vgrid{display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--border); border:1px solid var(--border);}
.vcard{background:var(--white); padding:24px 20px; transition:background .15s;}
.vcard:hover{background:var(--cream);}
.vcard-num{font-family:var(--font-display); font-size:12px; color:var(--rust); font-weight:800; margin-bottom:10px;}
.vcard h3{font-size:16px; margin-bottom:6px;}
.vcard p{font-size:13px; color:var(--taupe);}

/* Trust bar */
.trust-bar{background:var(--coffee); padding:20px 24px;}
.trust-inner{max-width:1200px; margin:0 auto; display:flex; justify-content:space-around; flex-wrap:wrap; gap:20px;}
.trust-item{color:#fff; text-align:center; font-size:14px;}
.trust-item strong{display:block; font-family:var(--font-display); font-size:24px; margin-bottom:2px; color:var(--tan);}

/* Footer */
footer{background:var(--coffee); color:#C9BBA5; padding-top:40px;}
.footer-top{max-width:1200px; margin:0 auto; padding:0 24px 32px; display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:32px;}
.footer-brand p{font-size:13px; line-height:1.7; color:#A6987F; margin-top:10px;}
.footer-col h5{color:var(--tan); font-size:13px; margin-bottom:14px; letter-spacing:0.03em; text-transform:uppercase;}
.footer-col ul{list-style:none;}
.footer-col li{margin-bottom:9px;}
.footer-col a{font-size:13px; color:#C9BBA5;}
.footer-col a:hover{color:#fff;}
.footer-bottom{border-top:1px solid #5A452F; padding:20px 24px; max-width:1200px; margin:0 auto; display:flex; justify-content:space-between; font-size:12px; color:#A6987F; flex-wrap:wrap; gap:10px;}
.footer-legal a{margin-left:16px; color:#A6987F;}

.disclaimer{background:#2A1F14; color:#A6987F; font-size:12px; text-align:center; padding:14px 20px;}

@media(max-width:900px){
  nav{display:none;}
  .hamburger{display:block;}
  .main-wrap{grid-template-columns:1fr;}
  .vgrid{grid-template-columns:repeat(2,1fr);}
  .footer-top{grid-template-columns:1fr 1fr;}
}