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

:root {
  --bg: #0b0f1a;
  --surface: #111827;
  --card: #161e2e;
  --blue: #3b82f6;
  --blue-dark: #1d4ed8;
  --green: #16a34a;
  --text: #f1f5f9;
  --muted: #94a3b8;
  --border: #1e2d45;
}

body {
  font-family: 'Inter', sans-serif;
  background: var(--bg);
  color: var(--text);
  min-height: 100vh;
  -webkit-font-smoothing: antialiased
}

a {
  color: inherit;
  text-decoration: none
}

img {
  display: block;
  max-width: 100%
}

.disclaimer-bar {
  background: #7f1d1d;
  color: #fca5a5;
  font-size: 12px;
  text-align: center;
  padding: 8px 16px;
  line-height: 1.5;
  display: none
}

@media(min-width:768px) {
  .disclaimer-bar {
    display: block
  }
}

.disclaimer-bar strong {
  color: #fef2f2
}

header {
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid #e2e8f0
}

.header-inner {
  max-width: 1152px;
  margin: 0 auto;
  padding: 0 20px;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between
}

.logo {
  font-size: 20px;
  font-weight: 800;
  color: #0f172a;
  letter-spacing: -0.5px
}

.logo span {
  color: var(--blue-dark)
}

nav {
  display: flex;
  gap: 24px
}

nav a {
  font-size: 14px;
  font-weight: 500;
  color: #374151;
  transition: color .15s
}

nav a:hover,
nav a.active {
  color: var(--blue-dark)
}

.burger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px
}

.burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: #374151;
  margin: 4px 0
}

@media(max-width:767px) {
  nav {
    display: none
  }

  .burger {
    display: block
  }
}

.mobile-nav {
  display: none;
  background: #fff;
  border-top: 1px solid #e2e8f0;
  padding: 12px 20px
}

.mobile-nav a {
  display: block;
  padding: 10px 0;
  font-size: 15px;
  font-weight: 500;
  color: #374151;
  border-bottom: 1px solid #f1f5f9
}

.mobile-nav.open {
  display: block
}

.page-hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 50%, #0f172a 100%);
  border-bottom: 4px solid var(--blue);
  padding: 48px 20px;
  text-align: center
}

.page-hero h1 {
  font-size: clamp(26px, 4vw, 40px);
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 12px
}

.page-hero p {
  color: #93c5fd;
  font-size: 16px;
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.6
}

.page-main {
  max-width: 800px;
  margin: 0 auto;
  padding: 48px 20px 64px
}

.page-main.wide {
  max-width: 1152px
}

.content-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 32px
}

.content-card h2 {
  font-size: 20px;
  font-weight: 700;
  margin: 28px 0 12px;
  color: var(--text)
}

.content-card h2:first-child {
  margin-top: 0
}

.content-card h3 {
  font-size: 16px;
  font-weight: 600;
  margin: 20px 0 8px;
  color: var(--text)
}

.content-card p,
.content-card li {
  font-size: 15px;
  color: var(--muted);
  line-height: 1.75;
  margin-bottom: 12px
}

.content-card ul,
.content-card ol {
  padding-left: 20px;
  margin-bottom: 16px
}

.content-card a {
  color: var(--blue);
  text-decoration: underline
}

.review-header {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 24px;
  flex-wrap: wrap
}

.review-logo {
  background: #fff;
  border-radius: 12px;
  padding: 14px 20px;
  width: 140px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: center
}

.review-logo img {
  width: 100px;
  height: 44px;
  object-fit: contain
}

.review-score {
  font-size: 14px;
  color: #f59e0b;
  font-weight: 600
}

.pros-cons {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 24px 0
}

@media(max-width:600px) {
  .pros-cons {
    grid-template-columns: 1fr
  }
}

.pros,
.cons {
  background: var(--surface);
  border-radius: 10px;
  padding: 20px
}

.pros h3 {
  color: #22c55e;
  margin-top: 0
}

.cons h3 {
  color: #f87171;
  margin-top: 0
}

.pros ul,
.cons ul {
  list-style: none;
  padding: 0
}

.pros li::before {
  content: "✓ ";
  color: #22c55e;
  font-weight: 700
}

.cons li::before {
  content: "✗ ";
  color: #f87171;
  font-weight: 700
}

.contact-form label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text)
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 14px;
  color: var(--text);
  font-family: inherit;
  font-size: 14px;
  margin-bottom: 16px
}

.contact-form textarea {
  min-height: 140px;
  resize: vertical
}

.btn-submit {
  background: linear-gradient(135deg, var(--green), #15803d);
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  width: 100%
}

.btn-submit:hover {
  opacity: .9
}

.bk-mini-list {
  display: flex;
  flex-direction: column;
  gap: 16px
}

.bk-mini-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px;
  display: grid;
  grid-template-columns: 140px 1fr auto;
  gap: 20px;
  align-items: center
}

@media(max-width:767px) {
  .bk-mini-card {
    grid-template-columns: 1fr;
    text-align: center
  }
}

.bk-mini-card h3 {
  font-size: 18px;
  margin-bottom: 8px;
  color: var(--text)
}

.bk-mini-card p {
  font-size: 14px;
  color: var(--muted);
  margin: 0
}

.btn-link {
  display: inline-block;
  background: linear-gradient(135deg, var(--green), #15803d);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  padding: 12px 20px;
  border-radius: 10px;
  white-space: nowrap
}

footer {
  background: #060a14;
  border-top: 1px solid var(--border);
  padding: 48px 20px 24px
}

.footer-grid {
  max-width: 1152px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px;
  margin-bottom: 40px
}

.footer-col h4 {
  font-size: 13px;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .8px;
  margin-bottom: 16px
}

.footer-col p {
  font-size: 13px;
  color: #475569;
  line-height: 1.7
}

.footer-col ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px
}

.footer-col ul li a {
  font-size: 13px;
  color: #475569;
  transition: color .15s
}

.footer-col ul li a:hover {
  color: var(--muted)
}

.footer-bottom {
  max-width: 1152px;
  margin: 0 auto;
  border-top: 1px solid var(--border);
  padding-top: 24px;
  text-align: center
}

.regulator-logos {
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 16px
}

.reg-pill {
  background: #111827;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 700;
  color: var(--muted);
  text-decoration: none;
  display: inline-flex;
  align-items: center
}

.reg-pill:hover {
  opacity: 0.85
}

.reg-pill img {
  max-height: 48px;
  width: auto
}

.footer-copy {
  font-size: 12px;
  color: #334155;
  line-height: 1.7;
  max-width: 700px;
  margin: 0 auto
}