/* ============================================
   BestForexBrokersReview.com — Main Stylesheet
   ============================================ */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --blue-50: #eff6ff;
  --blue-100: #dbeafe;
  --blue-200: #bfdbfe;
  --blue-500: #3b82f6;
  --blue-600: #2563eb;
  --blue-700: #1d4ed8;
  --blue-800: #1e40af;
  --blue-900: #1e3a5f;

  --gray-50: #f9fafb;
  --gray-100: #f3f4f6;
  --gray-200: #e5e7eb;
  --gray-300: #d1d5db;
  --gray-400: #9ca3af;
  --gray-500: #6b7280;
  --gray-600: #4b5563;
  --gray-700: #374151;
  --gray-800: #1f2937;
  --gray-900: #111827;

  --green-500: #22c55e;
  --green-600: #16a34a;
  --red-400: #f87171;
  --amber-500: #f59e0b;
  --white: #ffffff;

  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --radius-sm: 6px;
  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 2px rgba(0,0,0,.05);
  --shadow: 0 1px 3px rgba(0,0,0,.1), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,.1), 0 2px 4px -2px rgba(0,0,0,.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,.1), 0 4px 6px -4px rgba(0,0,0,.1);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,.1), 0 8px 10px -6px rgba(0,0,0,.1);

  --transition: 0.2s ease;
}

html { scroll-behavior: smooth; scroll-padding-top: 80px; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.7;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-600); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-700); }
ul { list-style: none; }
h1, h2, h3, h4 { line-height: 1.3; color: var(--gray-900); }

.skip-link {
  position: absolute; top: -100px; left: 0;
  background: var(--blue-600); color: var(--white);
  padding: 8px 16px; z-index: 9999; font-size: 14px;
}
.skip-link:focus { top: 0; }

/* --- Layout --- */
.container { max-width: 1440px; margin: 0 auto; padding: 0 48px; }
.container-narrow { max-width: 960px; margin: 0 auto; padding: 0 48px; }
.section { padding: 80px 0; }

@media (max-width: 1024px) {
  .container, .container-narrow { padding: 0 32px; }
}
@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .container, .container-narrow { padding: 0 20px; }
}

/* --- Buttons --- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font); font-weight: 600; font-size: 15px;
  padding: 12px 28px; border-radius: var(--radius-sm);
  border: none; cursor: pointer; transition: all var(--transition);
  text-decoration: none; white-space: nowrap;
}
.btn-sm { padding: 8px 18px; font-size: 14px; }
.btn-xs { padding: 6px 14px; font-size: 13px; }
.btn-lg { padding: 16px 36px; font-size: 17px; }

.btn-primary {
  background: var(--blue-600); color: var(--white);
  box-shadow: 0 1px 2px rgba(37,99,235,.3);
}
.btn-primary:hover { background: var(--blue-700); color: var(--white); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(37,99,235,.3); }

.btn-secondary {
  background: var(--gray-100); color: var(--gray-700);
  border: 1px solid var(--gray-200);
}
.btn-secondary:hover { background: var(--gray-200); color: var(--gray-900); }

.btn-outline {
  background: transparent; color: var(--blue-600);
  border: 1px solid var(--blue-200);
}
.btn-outline:hover { background: var(--blue-50); color: var(--blue-700); }

/* --- Header --- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}
.lang-switch {
  display: flex; gap: 0; border-radius: 8px; overflow: hidden;
  border: 2px solid var(--blue-600);
  box-shadow: 0 2px 8px rgba(37,99,235,.15);
}
.lang-switch a {
  font-size: 13px; font-weight: 700;
  color: var(--blue-600); background: var(--white);
  padding: 7px 16px;
  text-decoration: none;
  transition: all .2s ease;
  border-right: 1px solid var(--blue-200);
  letter-spacing: .3px;
}
.lang-switch a:last-child { border-right: none; }
.lang-switch a:hover { color: var(--white); background: var(--blue-500); }
.lang-switch a.active {
  color: var(--white); background: var(--blue-600);
  font-weight: 800;
}
.logo {
  display: flex; align-items: center;
}
.logo:hover { opacity: .85; }
.logo img { height: 63px; width: auto; }
.footer-logo-img { filter: brightness(0) invert(1); height: 44px !important; }


/* --- Hero (Split Layout) --- */
.hero {
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 50%, #1e40af 100%);
  color: var(--white); padding: 72px 0 64px;
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse at 30% 20%, rgba(59,130,246,.18) 0%, transparent 60%);
}

.hero-split {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 48px; align-items: center;
  position: relative; z-index: 1;
}
.hero-left { text-align: left; }
.hero-badge {
  display: inline-block; background: rgba(34,197,94,.15);
  border: 1px solid rgba(34,197,94,.3);
  padding: 5px 14px; border-radius: 20px;
  font-size: 12px; font-weight: 600; margin-bottom: 20px;
  letter-spacing: .3px; color: #86efac;
}
.hero h1 {
  font-size: clamp(28px, 3.5vw, 48px); font-weight: 800;
  color: var(--white); margin-bottom: 16px;
  letter-spacing: -.02em; line-height: 1.15;
}
.hero-highlight {
  background: linear-gradient(90deg, #60a5fa, #a78bfa);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-sub {
  font-size: clamp(15px, 1.5vw, 18px); color: rgba(255,255,255,.65);
  max-width: 480px; margin-bottom: 28px; line-height: 1.6;
}

.hero-actions { display: flex; gap: 12px; margin-bottom: 32px; }
.btn-ghost {
  background: transparent; color: rgba(255,255,255,.7);
  border: 1px solid rgba(255,255,255,.2);
  padding: 12px 28px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: 15px;
  display: inline-flex; align-items: center; text-decoration: none;
  transition: all var(--transition);
}
.btn-ghost:hover { background: rgba(255,255,255,.08); color: var(--white); }

.hero-trust {
  display: flex; align-items: center; gap: 12px;
  font-size: 13px; color: rgba(255,255,255,.45);
}
.hero-trust .dot {
  width: 4px; height: 4px; border-radius: 50%;
  background: rgba(255,255,255,.25);
}
.hero-trust-item { display: flex; align-items: center; gap: 8px; }
.trust-avatars { display: flex; }
.trust-avatars .avatar {
  width: 28px; height: 28px; border-radius: 50%;
  color: var(--white); font-size: 11px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid rgba(15,23,42,.8);
  margin-left: -8px;
}
.trust-avatars .avatar:first-child { margin-left: 0; }

/* Dashboard Cards */
.hero-right { position: relative; }
.dash-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.dash-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius); padding: 16px;
  backdrop-filter: blur(8px);
  transition: border-color .3s ease, transform .3s ease;
}
.dash-card:hover {
  border-color: rgba(255,255,255,.2);
  transform: translateY(-2px);
}
.dash-card-head {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; font-weight: 600; color: rgba(255,255,255,.7);
  margin-bottom: 12px;
  text-transform: uppercase; letter-spacing: .3px;
}
.dash-card-head svg { color: var(--blue-500); flex-shrink: 0; width: 16px; height: 16px; }

.dash-rows { display: flex; flex-direction: column; gap: 6px; }
.dash-row {
  display: flex; align-items: center; justify-content: space-between;
  font-size: 12px; color: rgba(255,255,255,.5);
}
.dash-ok {
  color: #4ade80; font-weight: 600; font-size: 11px;
}
.dash-ok::before { content: '\2713 '; }
.dash-val { color: rgba(255,255,255,.8); font-weight: 600; font-size: 12px; }
.dash-foot {
  margin-top: 8px; font-size: 11px;
  color: rgba(255,255,255,.35); font-style: italic;
}

/* Platform bars inside dash */
.dash-bar-wrap {
  flex: 1; height: 4px; background: rgba(255,255,255,.1);
  border-radius: 2px; margin: 0 8px; overflow: hidden;
}
.dash-bar {
  height: 100%; width: var(--w);
  background: linear-gradient(90deg, #3b82f6, #818cf8);
  border-radius: 2px;
}

/* Community sentiment */
.dash-sentiment { margin-bottom: 4px; }
.sentiment-bar {
  display: flex; height: 6px; border-radius: 3px;
  overflow: hidden; background: rgba(255,255,255,.1);
  margin-bottom: 6px;
}
.sentiment-pos { background: #4ade80; }
.sentiment-neg { background: #f87171; }
.sentiment-labels {
  display: flex; justify-content: space-between;
  font-size: 11px;
}
.s-pos { color: #86efac; }
.s-neg { color: #fca5a5; }

@media (max-width: 960px) {
  .hero-split { grid-template-columns: 1fr; text-align: center; }
  .hero-left { order: 1; }
  .hero-right { order: 2; max-width: 520px; margin: 0 auto; }
  .hero-sub { max-width: 100%; margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-trust { justify-content: center; flex-wrap: wrap; }
}
@media (max-width: 640px) {
  .hero { padding: 48px 0 40px; }
  .dash-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: center; }
  .hero-trust { gap: 8px; }
}

/* --- 3-Step Process --- */
.steps-section {
  padding: 72px 0;
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
}
.steps-row {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  align-items: center;
  gap: 0;
  max-width: 960px;
  margin: 0 auto;
}
.process-step {
  text-align: center;
  padding: 36px 24px;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  transition: box-shadow .3s ease, transform .3s ease, background .3s ease;
}
.process-step:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  background: var(--white);
}
.process-num {
  display: flex; align-items: center; justify-content: center;
  font-size: 24px; font-weight: 800;
  color: var(--white); background: var(--blue-600);
  width: 56px; height: 56px;
  border-radius: 50%;
  margin: 0 auto 16px;
  box-shadow: 0 4px 12px rgba(37,99,235,.2);
}
.process-step h3 {
  font-size: 18px; font-weight: 700; margin-bottom: 6px;
}
.process-step p {
  font-size: 13px; color: var(--gray-500); line-height: 1.6;
  max-width: 220px; margin: 0 auto;
}

.process-arrow {
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-300);
  padding: 0 12px;
}
.process-arrow svg { width: 20px; height: 20px; }

@media (max-width: 768px) {
  .steps-row {
    grid-template-columns: 1fr;
    gap: 12px;
    max-width: 360px;
  }
  .process-arrow {
    transform: rotate(90deg);
    padding: 4px 0;
    justify-self: center;
  }
  .process-step p { max-width: 100%; }
}

/* --- Section Headers --- */
.section h2 {
  font-size: clamp(24px, 3vw, 36px); font-weight: 800;
  text-align: center; margin-bottom: 12px;
  letter-spacing: -.02em;
}
.section-desc {
  text-align: center; color: var(--gray-500);
  max-width: 600px; margin: 0 auto 48px; font-size: 17px;
}

/* --- Top Pick Banner --- */
.top-pick-section { padding: 0; background: var(--white); }
.top-pick-banner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 40px; padding: 40px 48px;
  background: linear-gradient(135deg, #0f172a, #1e3a5f);
  border-radius: var(--radius-xl); margin-top: -32px;
  position: relative; z-index: 10;
  color: var(--white); overflow: hidden;
  box-shadow: 0 20px 40px rgba(15,23,42,.25);
}
.top-pick-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(59,130,246,.15), transparent 60%);
}
.top-pick-banner > * { position: relative; z-index: 1; }
.top-pick-left { flex: 1; }
.top-pick-label {
  display: inline-block; background: rgba(250,204,21,.15);
  border: 1px solid rgba(250,204,21,.3); color: #fde047;
  padding: 4px 14px; border-radius: 20px;
  font-size: 12px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .5px; margin-bottom: 12px;
}
.top-pick-banner h2 {
  font-size: clamp(28px, 3vw, 40px); font-weight: 800;
  color: var(--white); text-align: left;
  margin-bottom: 8px;
}
.top-pick-banner p {
  font-size: 15px; color: rgba(255,255,255,.6);
  max-width: 480px; line-height: 1.5; margin-bottom: 16px;
}
.top-pick-highlights {
  display: flex; flex-wrap: wrap; gap: 16px;
}
.tph-item {
  font-size: 13px; color: rgba(255,255,255,.5);
}
.tph-item strong { color: var(--white); font-weight: 700; }

.top-pick-right {
  text-align: center; flex-shrink: 0;
}
.top-pick-score {
  font-size: 56px; font-weight: 800; letter-spacing: -.03em;
  line-height: 1; margin-bottom: 16px;
}
.top-pick-score small {
  font-size: 22px; font-weight: 500; opacity: .5;
}
.top-pick-btn {
  display: block; width: 100%;
  font-size: 17px !important; padding: 16px 32px !important;
  animation: pulse-glow 2s ease-in-out infinite;
}
@keyframes pulse-glow {
  0%, 100% { box-shadow: 0 0 0 0 rgba(37,99,235,.4); }
  50% { box-shadow: 0 0 0 8px rgba(37,99,235,0); }
}
.top-pick-note {
  display: block; margin-top: 8px;
  font-size: 11px; color: rgba(255,255,255,.35);
}

@media (max-width: 768px) {
  .top-pick-banner {
    flex-direction: column; text-align: center;
    padding: 32px 24px; margin-top: -24px;
  }
  .top-pick-banner h2 { text-align: center; }
  .top-pick-banner p { max-width: 100%; }
  .top-pick-highlights { justify-content: center; }
}

/* --- Disabled Button --- */
.btn-disabled {
  opacity: .45; cursor: default; pointer-events: none;
}

/* --- Comparison Table --- */
.comparison-table-section { background: var(--gray-50); }

.table-responsive { overflow-x: auto; -webkit-overflow-scrolling: touch; }

.comparison-table {
  width: 100%; border-collapse: collapse;
  background: var(--white); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow);
  font-size: 14px;
}
.comparison-table thead { background: var(--gray-900); color: var(--white); }
.comparison-table th {
  padding: 14px 16px; text-align: left;
  font-weight: 600; font-size: 13px;
  text-transform: uppercase; letter-spacing: .5px;
}
.comparison-table td {
  padding: 14px 16px; border-bottom: 1px solid var(--gray-100);
  vertical-align: middle;
}
.comparison-table tbody tr:hover { background: var(--blue-50); }
.comparison-table .highlight-row { background: var(--blue-50); }
.comparison-table .highlight-row:hover { background: var(--blue-100); }

.score {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 36px; padding: 4px 8px; border-radius: 4px;
  font-weight: 700; font-size: 13px;
}
.score-high { background: #dcfce7; color: #166534; }
.score-mid { background: #fef9c3; color: #854d0e; }

.check { color: var(--green-600); font-weight: 700; font-size: 16px; }
.cross { color: var(--gray-400); font-size: 16px; }

.table-cta {
  animation: pulse-glow 2s ease-in-out infinite;
  font-weight: 700; letter-spacing: .3px;
}

/* --- Broker Cards --- */
.broker-cards-section { background: var(--white); }

.broker-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  margin-bottom: 24px;
  overflow: hidden;
  transition: box-shadow var(--transition), border-color var(--transition);
}
.broker-card:hover { box-shadow: var(--shadow-lg); border-color: var(--gray-300); }

.broker-card.featured {
  border-color: var(--blue-200);
  box-shadow: 0 0 0 1px var(--blue-100), var(--shadow-md);
}

.broker-card-header {
  display: flex; align-items: center; gap: 20px;
  padding: 28px 32px; border-bottom: 1px solid var(--gray-100);
}
.broker-rank {
  font-size: 20px; font-weight: 800; color: var(--blue-600);
  min-width: 40px;
}
.broker-identity { flex: 1; }
.broker-identity h3 { font-size: 22px; font-weight: 700; margin-bottom: 4px; }
.broker-tagline { font-size: 14px; color: var(--gray-500); }

.broker-score-wrap { text-align: center; }
.broker-score-circle {
  position: relative; width: 72px; height: 72px;
  margin: 0 auto 4px;
}
.broker-score-circle svg { width: 72px; height: 72px; }
.score-num {
  position: absolute; inset: 0; display: flex;
  align-items: center; justify-content: center;
  font-size: 18px; font-weight: 800; color: var(--gray-900);
}
.vote-count { font-size: 11px; color: var(--gray-400); }

.broker-card-body {
  display: grid; grid-template-columns: 1fr 1fr 1fr;
  gap: 0; padding: 0;
}

.broker-specs {
  padding: 24px 32px; border-right: 1px solid var(--gray-100);
  display: grid; grid-template-columns: 1fr; gap: 12px;
}
.spec { display: flex; justify-content: space-between; align-items: center; }
.spec-label { font-size: 13px; color: var(--gray-500); }
.spec-value { font-size: 14px; font-weight: 600; color: var(--gray-800); }
.spec-value.yes { color: var(--green-600); }

.broker-features {
  padding: 24px 32px; border-right: 1px solid var(--gray-100);
}
.broker-features h4, .broker-ratings h4 {
  font-size: 13px; font-weight: 600; color: var(--gray-400);
  text-transform: uppercase; letter-spacing: .5px;
  margin-bottom: 16px;
}
.broker-features ul { list-style: none; }
.broker-features li {
  font-size: 14px; color: var(--gray-600);
  padding: 4px 0 4px 20px; position: relative;
}
.broker-features li::before {
  content: '';
  position: absolute; left: 0; top: 11px;
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--blue-200);
}

.broker-ratings { padding: 24px 32px; }
.rating-bars { display: flex; flex-direction: column; gap: 10px; }
.rating-row { display: flex; align-items: center; gap: 10px; }
.rating-label { font-size: 12px; color: var(--gray-500); min-width: 100px; }
.rating-bar {
  flex: 1; height: 8px; background: var(--gray-100);
  border-radius: 4px; overflow: hidden;
}
.rating-fill {
  height: 100%; width: var(--fill);
  background: linear-gradient(90deg, var(--blue-500), var(--blue-600));
  border-radius: 4px;
  transition: width 1s ease;
}
.rating-val { font-size: 13px; font-weight: 700; color: var(--gray-700); min-width: 28px; text-align: right; }

.broker-card-footer {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 32px; border-top: 1px solid var(--gray-100);
  background: var(--gray-50);
}
.broker-bonus { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--gray-600); }
.bonus-badge {
  background: var(--amber-500); color: var(--white);
  font-size: 11px; font-weight: 700; text-transform: uppercase;
  padding: 3px 8px; border-radius: 4px; letter-spacing: .3px;
}

@media (max-width: 960px) {
  .broker-card-body { grid-template-columns: 1fr; }
  .broker-specs, .broker-features { border-right: none; border-bottom: 1px solid var(--gray-100); }
  .broker-card-header { flex-wrap: wrap; padding: 20px 20px; }
  .broker-specs, .broker-features, .broker-ratings { padding: 20px; }
  .broker-card-footer { flex-direction: column; gap: 12px; text-align: center; padding: 16px 20px; }
  .broker-card.featured::before { display: none; }
}

/* --- Methodology --- */
.methodology-section { background: var(--gray-50); }
.methodology-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.method-card {
  background: var(--white); padding: 32px;
  border-radius: var(--radius); border: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}
.method-card:hover { box-shadow: var(--shadow-md); }
.method-icon {
  width: 52px; height: 52px; border-radius: var(--radius-sm);
  background: var(--blue-50); color: var(--blue-600);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.method-card h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.method-card p { font-size: 14px; color: var(--gray-500); line-height: 1.6; }

@media (max-width: 768px) {
  .methodology-grid { grid-template-columns: 1fr; }
}

/* --- Guide --- */
.guide-section { background: var(--white); }
.guide-steps { max-width: 760px; margin: 0 auto; }
.guide-step {
  display: flex; gap: 24px; padding: 24px 0;
  border-bottom: 1px solid var(--gray-100);
}
.guide-step:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0; width: 48px; height: 48px;
  border-radius: 50%; background: var(--blue-600);
  color: var(--white); font-size: 20px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.step-content h3 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.step-content p { font-size: 15px; color: var(--gray-600); }

@media (max-width: 640px) {
  .guide-step { flex-direction: column; gap: 12px; }
}

/* --- Tips --- */
.tips-section { background: var(--gray-50); }
.tips-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px;
}
.tip-card {
  background: var(--white); padding: 28px;
  border-radius: var(--radius); border: 1px solid var(--gray-200);
  transition: box-shadow var(--transition), transform var(--transition);
}
.tip-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.tip-num {
  font-size: 32px; font-weight: 800;
  color: var(--blue-100); display: block; margin-bottom: 8px;
  line-height: 1;
}
.tip-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.tip-card p { font-size: 14px; color: var(--gray-500); line-height: 1.6; }

@media (max-width: 640px) {
  .tips-grid { grid-template-columns: 1fr; }
}

/* --- FAQ --- */
.faq-section { background: var(--white); }
.faq-list { display: flex; flex-direction: column; gap: 12px; }

.faq-item {
  border: 1px solid var(--gray-200); border-radius: var(--radius);
  overflow: hidden; transition: box-shadow var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-item[open] { border-color: var(--blue-200); }

.faq-item summary {
  padding: 20px 24px; font-weight: 600; font-size: 16px;
  cursor: pointer; color: var(--gray-800);
  display: flex; align-items: center; justify-content: space-between;
  list-style: none;
  transition: background var(--transition);
}
.faq-item summary:hover { background: var(--gray-50); }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+'; font-size: 22px; font-weight: 300;
  color: var(--gray-400); flex-shrink: 0; margin-left: 16px;
  transition: transform var(--transition);
}
.faq-item[open] summary::after { content: '\2212'; color: var(--blue-600); }
.faq-item[open] summary { background: var(--blue-50); color: var(--blue-700); }

.faq-answer {
  padding: 0 24px 20px;
}
.faq-answer p {
  font-size: 15px; color: var(--gray-600); line-height: 1.7;
  padding-top: 4px;
}

/* --- Glossary --- */
.glossary-section { background: var(--gray-50); }
.glossary-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
}
.glossary-card {
  background: var(--white); padding: 24px;
  border-radius: var(--radius); border: 1px solid var(--gray-200);
}
.glossary-card h3 {
  font-size: 15px; font-weight: 700; margin-bottom: 8px;
  color: var(--blue-700);
}
.glossary-card p { font-size: 13px; color: var(--gray-500); line-height: 1.6; }

@media (max-width: 960px) {
  .glossary-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .glossary-grid { grid-template-columns: 1fr; }
}

/* --- Why Us --- */
.why-section { background: var(--white); }
.why-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.why-card {
  text-align: center; padding: 32px 20px;
  border-radius: var(--radius); border: 1px solid var(--gray-200);
  background: var(--gray-50);
  transition: box-shadow var(--transition), transform var(--transition);
}
.why-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.why-number {
  display: block; font-size: clamp(28px, 3vw, 40px); font-weight: 800;
  color: var(--blue-600); margin-bottom: 8px;
  letter-spacing: -.02em;
}
.why-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 6px; }
.why-card p { font-size: 13px; color: var(--gray-500); line-height: 1.6; }

@media (max-width: 960px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .why-grid { grid-template-columns: 1fr; } }

/* --- Newsletter --- */
.newsletter-section { background: var(--gray-50); padding: 56px 0; }
.newsletter-box {
  display: flex; align-items: center;
  justify-content: space-between; gap: 32px;
  background: var(--white); padding: 40px 48px;
  border-radius: var(--radius-lg); border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-sm);
}
.newsletter-content h2 {
  font-size: 22px; font-weight: 800; text-align: left;
  margin-bottom: 6px;
}
.newsletter-content p {
  font-size: 14px; color: var(--gray-500);
  max-width: 360px; line-height: 1.5;
}
.newsletter-form {
  display: flex; gap: 8px; flex-shrink: 0;
}
.newsletter-form input {
  font-family: var(--font); font-size: 14px;
  padding: 12px 16px; border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm); width: 240px;
  outline: none; transition: border-color var(--transition);
}
.newsletter-form input:focus { border-color: var(--blue-500); }
.newsletter-form .btn { flex-shrink: 0; }

@media (max-width: 768px) {
  .newsletter-box {
    flex-direction: column; text-align: center;
    padding: 32px 24px;
  }
  .newsletter-content h2 { text-align: center; }
  .newsletter-content p { max-width: 100%; }
  .newsletter-form { width: 100%; flex-direction: column; }
  .newsletter-form input { width: 100%; }
}

/* --- CTA --- */
.cta-section { background: var(--white); padding-bottom: 100px; }
.cta-box {
  background: linear-gradient(135deg, #0f172a, #1e40af);
  border-radius: var(--radius-xl); padding: 56px 48px;
  text-align: center; color: var(--white);
  position: relative; overflow: hidden;
}
.cta-box::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(59,130,246,.2) 0%, transparent 60%);
}
.cta-box > * { position: relative; z-index: 1; }
.cta-box h2 {
  font-size: clamp(24px, 3vw, 32px); font-weight: 800;
  color: var(--white); margin-bottom: 12px;
}
.cta-box p {
  font-size: 17px; color: rgba(255,255,255,.7);
  max-width: 520px; margin: 0 auto 28px; line-height: 1.6;
}
.cta-box .btn-primary {
  font-size: 18px; padding: 18px 40px;
  background: var(--white); color: var(--blue-700);
  box-shadow: 0 4px 14px rgba(0,0,0,.2);
}
.cta-box .btn-primary:hover {
  background: var(--blue-50); transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,.25);
}
.cta-sub {
  display: block; margin-top: 16px;
  font-size: 13px; color: rgba(255,255,255,.45);
}

@media (max-width: 640px) {
  .cta-box { padding: 40px 24px; }
}

/* --- Footer --- */
.site-footer {
  background: var(--gray-900); color: var(--gray-400);
  padding: 56px 0 32px;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 40px;
}
.footer-brand .logo { margin-bottom: 12px; }
.footer-brand .logo span { color: var(--white); }
.footer-brand-title {
  font-size: 20px; font-weight: 800; color: var(--white);
  line-height: 1.3; margin-bottom: 14px;
  background: linear-gradient(135deg, var(--white), var(--primary-light));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.footer-brand-title span {
  font-size: 15px; font-weight: 500; opacity: .75;
  -webkit-text-fill-color: var(--gray-300);
}
.footer-brand p { font-size: 14px; line-height: 1.7; max-width: 380px; color: var(--gray-400); }
.footer-links h4 {
  font-size: 13px; font-weight: 600; color: var(--white);
  text-transform: uppercase; letter-spacing: .5px;
  margin-bottom: 16px;
}
.footer-links li { margin-bottom: 8px; }
.footer-links a { color: var(--gray-400); font-size: 14px; }
.footer-links a:hover { color: var(--white); }

.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 24px; margin-bottom: 24px;
}
.footer-disclaimer p { font-size: 12px; line-height: 1.7; color: var(--gray-500); }

.footer-bottom { text-align: center; }
.footer-bottom p { font-size: 13px; color: var(--gray-500); }

@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
}

/* --- Legal Pages --- */
.legal-page {
  padding: 60px 0 80px;
}
.legal-page h1 {
  font-size: clamp(28px, 3vw, 40px); font-weight: 800;
  margin-bottom: 8px; color: var(--gray-900);
}
.legal-updated {
  font-size: 14px; color: var(--gray-400);
  margin-bottom: 40px;
}
.legal-page h2 {
  font-size: 20px; font-weight: 700; text-align: left;
  margin: 36px 0 12px; color: var(--gray-900);
}
.legal-page h3 {
  font-size: 16px; font-weight: 600;
  margin: 24px 0 8px; color: var(--gray-700);
}
.legal-page p {
  font-size: 15px; color: var(--gray-600);
  line-height: 1.8; margin-bottom: 12px;
}
.legal-page ul {
  list-style: disc; padding-left: 24px;
  margin-bottom: 16px;
}
.legal-page li {
  font-size: 15px; color: var(--gray-600);
  line-height: 1.7; margin-bottom: 4px;
}
.legal-page a { color: var(--blue-600); text-decoration: underline; }
.legal-page a:hover { color: var(--blue-700); }

.legal-table {
  width: 100%; border-collapse: collapse;
  margin: 12px 0 24px; font-size: 14px;
}
.legal-table th {
  background: var(--gray-50); text-align: left;
  padding: 10px 14px; font-weight: 600; color: var(--gray-700);
  border: 1px solid var(--gray-200);
}
.legal-table td {
  padding: 10px 14px; color: var(--gray-600);
  border: 1px solid var(--gray-200);
}

/* --- Cookie Bar --- */
.cookie-bar {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 200;
  background: var(--gray-900);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 20px 0;
  transform: translateY(100%);
  transition: transform .4s ease;
}
.cookie-bar.visible { transform: translateY(0); }
.cookie-bar-inner {
  display: flex; align-items: center;
  justify-content: space-between; gap: 24px;
}
.cookie-bar p {
  font-size: 14px; color: var(--gray-400);
  margin: 0; line-height: 1.5;
}
.cookie-bar a { color: var(--blue-200); text-decoration: underline; }
.cookie-bar a:hover { color: var(--white); }
.cookie-actions { display: flex; gap: 8px; flex-shrink: 0; }
.cookie-actions .btn-secondary {
  background: rgba(255,255,255,.1);
  color: var(--white);
  border-color: rgba(255,255,255,.2);
}
.cookie-actions .btn-secondary:hover {
  background: rgba(255,255,255,.2);
  color: var(--white);
}

@media (max-width: 640px) {
  .cookie-bar-inner { flex-direction: column; text-align: center; gap: 12px; }
  .cookie-bar p { font-size: 13px; }
}

/* --- Animations --- */
@media (prefers-reduced-motion: no-preference) {
  .broker-card,
  .method-card,
  .tip-card,
  .glossary-card,
  .guide-step,
  .stat-card,
  .why-card,
  .process-step,
  .dash-card {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity .5s ease, transform .5s ease, box-shadow var(--transition), border-color .3s ease;
  }
  .broker-card.visible,
  .method-card.visible,
  .tip-card.visible,
  .glossary-card.visible,
  .guide-step.visible,
  .stat-card.visible,
  .why-card.visible,
  .process-step.visible,
  .dash-card.visible {
    opacity: 1;
    transform: translateY(0);
  }
}

/* --- Print --- */
@media print {
  .site-header, .hero, .cta-section, .site-footer, .btn, .mobile-menu-btn { display: none !important; }
  .section { padding: 24px 0; }
  .broker-card { break-inside: avoid; }
}