/* =========================================================
   TEAL & CREAM — style.css
   Font: Plus Jakarta Sans (400,500,600,700,800)
   ========================================================= */

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box;}
html,body,div,span,figure,h1,h2,h3,h4,h5,h6,p,a,img,i,ol,ul,li,
form,label,main,footer,header,nav,section{
  margin:0;padding:0;border:0;font-size:100%;font:inherit;
  vertical-align:baseline;text-rendering:optimizeLegibility;
  -webkit-font-smoothing:antialiased;-webkit-text-size-adjust:none;
  -moz-text-size-adjust:none;text-size-adjust:none;
}
footer,header,nav,section,main{display:block;}
ol,ul{list-style:none;}
input{-webkit-appearance:none;border-radius:0;}
input,textarea,button,select{font-family:inherit;}
a{text-decoration:none;}
button{border:none;cursor:pointer;background:none;}
img{display:block;max-width:100%;}

/* ---------- Custom Properties ---------- */
:root{
  --bg:#f4f9f7;
  --surface:#ffffff;
  --dark-bg:#0d3d2e;
  --accent:#1a8a6a;
  --accent-light:#2db38e;
  --muted-bg:#e8f4f0;
  --text-dark:#0a2920;
  --text-muted:#557a6e;
  --border:#b8d9cd;
  --shadow-card:0 4px 18px rgba(13,61,46,0.08);
  --shadow-raise:0 8px 32px rgba(13,61,46,0.13);
  --radius-sm:6px;
  --radius-md:10px;
  --radius-lg:16px;
  --radius-pill:999px;
  --trans-fast:140ms ease-out;
  --trans-norm:220ms ease;
  --max-w:82rem;
}

/* ---------- Base ---------- */
html{font-size:16px;scroll-behavior:smooth;}
@media(min-width:768px) and (max-width:1023.98px){html{font-size:15px;}}
@media(max-width:767.98px){html{font-size:14px;}}

body{
  font-family:"Plus Jakarta Sans",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  font-size:1rem;font-weight:400;line-height:1.65;
  background-color:var(--bg);color:var(--text-dark);min-height:100vh;
}
@media(min-width:768px) and (max-width:1023.98px){body{font-size:.95rem;}}
@media(max-width:767.98px){body{font-size:.93rem;}}

/* ---------- Shell / Container ---------- */
.masthead__shell,
.intro-section__shell,
.listings-section__shell,
.editorial-section__shell,
.faq-zone__shell,
.footer-body__shell,
.footer-bottom-bar__shell,
.info-page__shell{
  max-width:var(--max-w);width:100%;padding:0 1.25rem;margin:0 auto;
}

/* =========================================================
   TOPBAR NOTICE
   ========================================================= */
.topbar-notice{
  background-color:var(--dark-bg);min-height:40px;
  display:flex;align-items:center;justify-content:center;
}
.topbar-notice__shell{
  max-width:var(--max-w);width:100%;padding:0 1.25rem;margin:0 auto;
  display:flex;align-items:center;justify-content:center;
}
.topbar-notice__text{
  font-size:.78rem;color:rgba(255,255,255,.82);text-align:center;line-height:1.5;
}
.topbar-notice__link{
  color:#7ee8c8;font-weight:600;text-decoration:underline;
  transition:color var(--trans-fast);
}
.topbar-notice__link:hover{color:#fff;}

/* =========================================================
   SITE MASTHEAD (sticky header)
   ========================================================= */
.site-masthead{
  position:sticky;top:0;z-index:400;
  background-color:var(--surface);
  border-bottom:2px solid var(--accent);
  min-height:62px;display:flex;align-items:center;
  transition:box-shadow var(--trans-norm);
}
.site-masthead.masthead--shadowed{
  box-shadow:0 4px 20px rgba(13,61,46,0.12);
}
.masthead__shell{
  display:flex;align-items:center;justify-content:space-between;gap:2rem;
}
.masthead__brand{display:inline-flex;align-items:center;gap:.5rem;flex-shrink:0;}
.masthead__brand img{height:38px;width:auto;display:block;}

/* Nav */
.nav-strip{display:flex;align-items:center;}
.nav-strip__links{
  display:flex;align-items:center;gap:1.75rem;
}
@media(min-width:768px) and (max-width:1023.98px){
  .nav-strip__links{gap:1.1rem;}
}
.nav-strip__link{
  font-size:.9rem;font-weight:600;color:var(--text-dark);
  position:relative;padding-bottom:2px;
  transition:color var(--trans-fast);
}
.nav-strip__link::after{
  content:"";position:absolute;left:0;bottom:0;width:0;height:2px;
  background-color:var(--accent);border-radius:var(--radius-pill);
  transition:width var(--trans-norm);
}
.nav-strip__link:hover{color:var(--accent);}
.nav-strip__link:hover::after{width:100%;}

/* Hamburger */
.nav-toggle{
  display:none;width:34px;height:34px;position:relative;
  align-items:center;justify-content:center;
  background:none;border:none;cursor:pointer;flex-shrink:0;
}
.toggle-bar{
  position:absolute;left:50%;top:50%;
  width:22px;height:2px;border-radius:var(--radius-pill);
  background-color:var(--dark-bg);
  transform:translate(-50%,-50%);
  transition:transform var(--trans-fast),opacity var(--trans-fast);
}
.toggle-bar:nth-child(2){transform:translate(-50%,calc(-50% - 6px));}
.toggle-bar:nth-child(3){transform:translate(-50%,calc(-50% + 6px));}
.nav-toggle.is-open .toggle-bar:nth-child(1){opacity:0;}
.nav-toggle.is-open .toggle-bar:nth-child(2){transform:translate(-50%,-50%) rotate(45deg);}
.nav-toggle.is-open .toggle-bar:nth-child(3){transform:translate(-50%,-50%) rotate(-45deg);}

@media(max-width:767.98px){
  .nav-toggle{display:inline-flex;position:relative;z-index:500;}
  .nav-strip__links{
    position:fixed;inset:0;
    background:rgba(244,249,247,.98);
    flex-direction:column;align-items:flex-start;justify-content:flex-start;
    padding:5.5rem 1.5rem 2rem;gap:1rem;
    transform:translateX(100%);
    transition:transform var(--trans-norm);
    z-index:390;
  }
  .nav-strip__links.nav-strip--visible{transform:translateX(0);}
  .nav-strip__link{font-size:1.15rem;}
}

/* =========================================================
   CONTENT ZONE
   ========================================================= */
.content-zone{background-color:var(--bg);}

/* =========================================================
   INTRO SECTION (hero)
   ========================================================= */
.intro-section{padding:3rem 0 2.5rem;}
@media(max-width:767.98px){.intro-section{padding:2rem 0 1.5rem;}}

.intro-section__shell{
  display:flex;align-items:flex-start;gap:2.5rem;
}
@media(max-width:1023.98px){
  .intro-section__shell{flex-direction:column;gap:1.5rem;}
}

.intro-section__body{flex:1 1 auto;max-width:46rem;}

.intro-section__title{
  font-size:2.4rem;font-weight:800;line-height:1.15;
  letter-spacing:-.03em;color:var(--text-dark);
  margin-bottom:1rem;
}
.intro-section__title em{
  font-style:normal;color:var(--accent);
}
@media(min-width:768px) and (max-width:1023.98px){
  .intro-section__title{font-size:2rem;}
}
@media(max-width:767.98px){
  .intro-section__title{font-size:1.65rem;}
}

.intro-section__para{
  font-size:1.02rem;color:var(--text-muted);line-height:1.7;
  margin-bottom:.75rem;
}

.intro-section__aside{flex:0 0 300px;}
@media(max-width:1023.98px){.intro-section__aside{width:100%;flex:none;}}

/* Info card */
.info-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:1.35rem 1.5rem;
  box-shadow:var(--shadow-card);
}
.info-card__heading{
  font-size:1rem;font-weight:700;color:var(--dark-bg);
  margin-bottom:.85rem;display:flex;align-items:center;gap:.4rem;
}
.info-card__heading::before{
  content:"";display:inline-block;width:4px;height:1.1em;
  background-color:var(--accent);border-radius:var(--radius-pill);
  flex-shrink:0;
}
.info-card__list{display:flex;flex-direction:column;gap:.65rem;}
.info-card__point{
  display:flex;align-items:flex-start;gap:.55rem;
  font-size:.88rem;color:var(--text-dark);line-height:1.55;
}
.info-card__point::before{
  content:"✓";display:inline-block;flex-shrink:0;
  width:1.2rem;height:1.2rem;line-height:1.2rem;text-align:center;
  font-size:.75rem;font-weight:700;color:#fff;
  background-color:var(--accent);border-radius:50%;margin-top:.07rem;
}

/* =========================================================
   INLINE RISK NOTE
   ========================================================= */
.risk-inline-note{
  background:var(--muted-bg);border-left:3px solid var(--accent);
  border-radius:0 var(--radius-sm) var(--radius-sm) 0;
  padding:.65rem 1rem;margin:0 0 1.5rem;
  font-size:.82rem;color:var(--text-muted);line-height:1.5;
}

/* =========================================================
   LISTINGS SECTION
   ========================================================= */
.listings-section{padding:1rem 0 3rem;}
@media(max-width:767.98px){.listings-section{padding:.5rem 0 2rem;}}

.listings-section__heading{
  font-size:1.7rem;font-weight:800;color:var(--text-dark);
  letter-spacing:-.02em;margin-bottom:.4rem;
}
@media(max-width:767.98px){.listings-section__heading{font-size:1.35rem;}}

.listings-section__subhead{
  font-size:.88rem;color:var(--text-muted);margin-bottom:1.75rem;
}

/* Broker row list */
.broker-row-list{display:flex;flex-direction:column;gap:1rem;}

/* Broker row item */
.broker-row-item{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-lg);padding:1.25rem 1.5rem;
  box-shadow:var(--shadow-card);
  transition:box-shadow var(--trans-norm),border-color var(--trans-norm);
}
.broker-row-item:hover{
  box-shadow:var(--shadow-raise);border-color:var(--accent-light);
}
.broker-row-item--concealed{display:none;}
.broker-row-item--shown{display:block;}

/* Row layout: rank + body + score chip */
.broker-row-item > .row-rank,
.broker-row-item > .row-body,
.broker-row-item > .row-score-chip{display:block;}

/* Inner flex layout */
.broker-row-item{
  display:grid;
  grid-template-columns:auto 1fr auto;
  grid-template-rows:auto auto;
  column-gap:1.25rem;row-gap:0;
  align-items:start;
}
@media(max-width:767.98px){
  .broker-row-item{
    grid-template-columns:auto 1fr;
    grid-template-rows:auto auto auto;
  }
}

/* Rank */
.row-rank{
  grid-column:1;grid-row:1;
  display:flex;flex-direction:column;align-items:center;
  padding-top:.2rem;gap:.1rem;
}
.row-rank__num{
  font-size:1.4rem;font-weight:800;color:var(--accent);line-height:1;
}
.row-rank__label{
  font-size:.62rem;font-weight:600;color:var(--text-muted);
  text-transform:uppercase;letter-spacing:.05em;
}

/* Row body */
.row-body{
  grid-column:2;grid-row:1;
  display:flex;flex-direction:column;gap:.6rem;
}

/* Brand */
.row-brand{display:flex;align-items:center;}
.brand-img{width:auto;height:2.4rem;object-fit:contain;max-width:130px;}

/* Score chip */
.row-score-chip{
  grid-column:3;grid-row:1;
  display:flex;flex-direction:column;align-items:flex-end;gap:.3rem;
  cursor:pointer;user-select:none;
  padding:.1rem 0;
}
@media(max-width:767.98px){
  .row-score-chip{
    grid-column:2;grid-row:2;
    align-items:flex-start;margin-top:.5rem;
  }
}

.score-chip__value{
  font-size:1.9rem;font-weight:800;color:var(--dark-bg);line-height:1;
  letter-spacing:-.03em;
}
.score-chip__meta{display:flex;flex-direction:column;align-items:flex-end;gap:.2rem;}
@media(max-width:767.98px){
  .score-chip__meta{align-items:flex-start;}
}
.score-chip__star-img{width:5rem;height:1rem;object-fit:contain;}
.score-chip__caption{font-size:.7rem;color:var(--text-muted);font-weight:500;}
.score-chip__toggle-icon{
  width:.7rem;height:.7rem;
  border-right:2px solid var(--accent);border-bottom:2px solid var(--accent);
  transform:rotate(45deg);margin-top:-.1rem;
  transition:transform var(--trans-norm);
}
.row-score-chip[aria-expanded="true"] .score-chip__toggle-icon{
  transform:rotate(-135deg);
}

/* Score breakdown pane */
.score-breakdown-pane{
  grid-column:1/-1;grid-row:2;
  overflow:hidden;max-height:0;
  transition:max-height .32s ease;
}
@media(max-width:767.98px){
  .score-breakdown-pane{grid-row:3;}
}
.score-breakdown-pane--open{max-height:400px;}

.score-breakdown-pane__list{
  display:flex;flex-direction:column;gap:.55rem;
  padding:1rem 0 .4rem;
  border-top:1px solid var(--border);margin-top:.9rem;
}
.score-breakdown-pane__entry{display:flex;flex-direction:column;gap:.25rem;}
.breakdown-entry__title{
  font-size:.82rem;font-weight:700;color:var(--text-dark);
}
.breakdown-entry__note{font-size:.78rem;color:var(--text-muted);}
.breakdown-entry__bar{display:flex;align-items:center;gap:.6rem;margin-top:.15rem;}
.bar-track{
  flex:1 1 auto;height:.42rem;border-radius:var(--radius-pill);
  background-color:var(--muted-bg);overflow:hidden;
}
.bar-fill{
  height:100%;border-radius:var(--radius-pill);width:0;
  transition:width .45s ease;
}
.bar-fill--a{background:linear-gradient(90deg,var(--accent),var(--accent-light));}
.bar-fill--b{background:linear-gradient(90deg,#2a9d8f,#52b788);}
.bar-fill--c{background:linear-gradient(90deg,#3a7ca5,#74c0fc);}
.bar-score-text{
  font-size:.78rem;font-weight:700;color:var(--dark-bg);
  flex-shrink:0;min-width:2.5rem;text-align:right;
}

/* Row description */
.row-description{
  grid-column:1/-1;
  /* shown inline as part of row-body on large screens */
}

/* row-body contains: row-brand, desc-tagline, desc-checklist, row-actions */
.desc-tagline{
  font-size:.95rem;font-weight:600;color:var(--text-dark);line-height:1.45;
}
.desc-checklist{
  display:flex;flex-direction:column;gap:.35rem;margin-top:.15rem;
}
.desc-check{
  display:flex;align-items:flex-start;gap:.5rem;
  font-size:.85rem;color:var(--text-muted);line-height:1.5;
}
.check-icon{
  width:1rem;height:1rem;flex-shrink:0;object-fit:contain;margin-top:.1rem;
}

/* Row actions */
.row-actions{
  display:flex;align-items:center;gap:.75rem;margin-top:.25rem;flex-wrap:wrap;
}
.row-cta-link{
  display:inline-flex;align-items:center;gap:.4rem;
  background:var(--accent);color:#fff;
  font-size:.9rem;font-weight:700;
  padding:.55rem 1.3rem;border-radius:var(--radius-pill);
  transition:background var(--trans-norm),box-shadow var(--trans-norm),transform var(--trans-fast);
  box-shadow:0 4px 14px rgba(26,138,106,.3);
}
.row-cta-link:hover{
  background:var(--dark-bg);transform:translateY(-1px);
  box-shadow:0 6px 20px rgba(13,61,46,.25);
}
.row-cta-arrow{
  width:.85rem;height:.85rem;object-fit:contain;
  transition:transform var(--trans-fast);
}
.row-cta-link:hover .row-cta-arrow{transform:translateX(3px);}

/* Expand button */
.row-expand-btn{
  display:flex;align-items:center;justify-content:center;gap:.5rem;
  margin-top:1.25rem;
  padding:.6rem 1.5rem;
  background:var(--surface);border:1.5px solid var(--border);
  border-radius:var(--radius-pill);
  font-size:.88rem;font-weight:600;color:var(--accent);
  cursor:pointer;width:100%;
  transition:background var(--trans-norm),border-color var(--trans-norm),color var(--trans-fast);
}
.row-expand-btn:hover{
  background:var(--muted-bg);border-color:var(--accent);
}

/* =========================================================
   EDITORIAL SECTION
   ========================================================= */
.editorial-section{
  background:var(--surface);border-top:1px solid var(--border);
  padding:3rem 0;
}
@media(max-width:767.98px){.editorial-section{padding:2rem 0;}}

.editorial-section__h2{
  font-size:1.6rem;font-weight:800;color:var(--text-dark);
  letter-spacing:-.02em;margin-bottom:1.1rem;
}
@media(max-width:767.98px){.editorial-section__h2{font-size:1.25rem;}}

.editorial-section__text{
  font-size:.96rem;color:var(--text-muted);line-height:1.75;
  margin-bottom:1rem;max-width:56rem;
}
.editorial-section__text:last-child{margin-bottom:0;}

/* =========================================================
   FAQ ZONE
   ========================================================= */
.faq-zone{
  background:var(--bg);border-top:1px solid var(--border);
  padding:2.75rem 0 3rem;
}
@media(max-width:767.98px){.faq-zone{padding:2rem 0 2.25rem;}}

.faq-zone__h2{
  font-size:1.5rem;font-weight:800;color:var(--text-dark);
  letter-spacing:-.02em;margin-bottom:1.25rem;
}
@media(max-width:767.98px){.faq-zone__h2{font-size:1.2rem;}}

/* Accordion */
.faq-accordion{display:flex;flex-direction:column;gap:.75rem;max-width:56rem;}

.accordion-entry{
  background:var(--surface);border:1px solid var(--border);
  border-radius:var(--radius-md);overflow:hidden;
}
.accordion-entry__btn{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:.75rem;
  padding:.9rem 1.1rem;background:none;border:none;cursor:pointer;text-align:left;
  transition:background var(--trans-norm);
}
.accordion-entry__btn:hover{background:var(--muted-bg);}
.accordion-entry--open .accordion-entry__btn{background:var(--muted-bg);}

.accordion-entry__q{
  font-size:.95rem;font-weight:600;color:var(--text-dark);line-height:1.4;
}
.accordion-entry__arrow{
  width:.7rem;height:.7rem;flex-shrink:0;
  border-right:2px solid var(--accent);border-bottom:2px solid var(--accent);
  transform:rotate(45deg);
  transition:transform var(--trans-norm);
}
.accordion-entry--open .accordion-entry__arrow{transform:rotate(-135deg);}

.accordion-entry__answer{
  overflow:hidden;max-height:0;
  transition:max-height .3s ease;
}
.accordion-entry--open .accordion-entry__answer{max-height:500px;}
.accordion-entry__answer p{
  padding:.2rem 1.1rem 1rem;
  font-size:.88rem;color:var(--text-muted);line-height:1.7;
}

/* =========================================================
   SITE FOOTER
   ========================================================= */
.site-footer{
  background-color:var(--dark-bg);color:#d4ede6;
  padding:3rem 0 0;
}

.footer-body{padding-bottom:2rem;}
.footer-body__shell{
  display:flex;align-items:flex-start;gap:2.5rem;flex-wrap:wrap;
}
@media(max-width:767.98px){.footer-body__shell{flex-direction:column;gap:1.5rem;}}

.footer-brand-area{flex:0 0 220px;}
@media(max-width:767.98px){.footer-brand-area{flex:none;width:100%;}}

.footer-brand-text{
  font-size:1.4rem;font-weight:800;color:#fff;
  letter-spacing:-.03em;line-height:1;
  display:inline-block;margin-bottom:.75rem;
}
.footer-brand-text span{color:var(--accent-light);}

.footer-partner-strip{
  display:flex;align-items:center;gap:1rem;flex-wrap:wrap;
  margin-top:.85rem;
}
.partner-badge{
  display:flex;align-items:center;justify-content:center;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
  border-radius:var(--radius-md);padding:.45rem .8rem;
  transition:background var(--trans-norm);
}
.partner-badge:hover{background:rgba(255,255,255,.15);}
.partner-badge img{height:2rem;width:auto;object-fit:contain;filter:brightness(0) invert(1);opacity:.75;}
.partner-badge:hover img{opacity:1;}

/* Risk grid */
.footer-risk-grid{
  flex:1 1 auto;
  display:grid;grid-template-columns:repeat(2,1fr);gap:.85rem;
  align-content:start;
}
@media(max-width:767.98px){
  .footer-risk-grid{grid-template-columns:1fr;width:100%;}
}

.risk-cell{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);
  border-radius:var(--radius-md);padding:.85rem 1rem;
}
.risk-cell p{font-size:.8rem;line-height:1.6;color:rgba(255,255,255,.75);}

/* Footer bottom bar */
.footer-bottom-bar{
  background:rgba(0,0,0,.25);border-top:1px solid rgba(255,255,255,.1);
  padding:.9rem 0;
}
.footer-bottom-bar__shell{
  display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;
}
@media(max-width:767.98px){
  .footer-bottom-bar__shell{flex-direction:column;align-items:flex-start;gap:.5rem;}
}
.footer-bottom-bar__nav{display:flex;flex-wrap:wrap;gap:.5rem 1.1rem;}
.nav-footer-link{
  font-size:.78rem;color:rgba(255,255,255,.65);
  transition:color var(--trans-fast);
}
.nav-footer-link:hover{color:#fff;text-decoration:underline;}
.footer-bottom-bar__copy{font-size:.78rem;color:rgba(255,255,255,.5);}

/* =========================================================
   SCROLL TOP FAB
   ========================================================= */
.scroll-top-fab{
  position:fixed;right:1.1rem;bottom:-3rem;
  width:42px;height:42px;border-radius:var(--radius-pill);
  background:var(--dark-bg);color:#fff;
  display:inline-flex;align-items:center;justify-content:center;
  border:1.5px solid var(--accent);
  box-shadow:0 4px 14px rgba(13,61,46,.3);
  opacity:0;visibility:hidden;
  transition:opacity var(--trans-norm),bottom var(--trans-norm),background var(--trans-norm);
  z-index:40;cursor:pointer;
}
.scroll-top-fab.fab--visible{opacity:1;visibility:visible;bottom:1.1rem;}
.scroll-top-fab:hover{background:var(--accent);}
.scroll-top-fab svg{width:1rem;height:1rem;}

/* =========================================================
   INFO PAGES (about, disclaimer, terms, cookie, policy)
   ========================================================= */
.info-page-wrap{
  background-color:var(--bg);min-height:60vh;padding:3rem 0 4rem;
}
@media(max-width:767.98px){.info-page-wrap{padding:2rem 0 2.75rem;}}

.info-page__h1{
  font-size:2.1rem;font-weight:800;color:var(--text-dark);
  letter-spacing:-.03em;margin-bottom:2rem;
  padding-bottom:1.25rem;
  border-bottom:2px solid var(--border);
  position:relative;
}
.info-page__h1::after{
  content:"";position:absolute;left:0;bottom:-2px;
  width:5rem;height:2px;background:var(--accent);border-radius:var(--radius-pill);
}
@media(min-width:768px) and (max-width:1023.98px){.info-page__h1{font-size:1.75rem;}}
@media(max-width:767.98px){.info-page__h1{font-size:1.45rem;}}

.info-section{margin-bottom:1.75rem;}

.info-section__h2{
  font-size:1.1rem;font-weight:700;color:var(--dark-bg);
  margin-bottom:.6rem;
}
@media(max-width:767.98px){.info-section__h2{font-size:1rem;}}

.info-section__content{
  font-size:.93rem;color:var(--text-muted);line-height:1.75;
}
.info-section__content p{margin-bottom:.85rem;}
.info-section__content p:last-child{margin-bottom:0;}
.info-section__content a{color:var(--accent);font-weight:600;}
.info-section__content a:hover{text-decoration:underline;}
.info-section__content ul{margin:.5rem 0 .85rem 1rem;}
.info-section__content ul li{list-style:disc;margin-bottom:.35rem;}
.info-section__content strong{font-weight:700;color:var(--text-dark);}

/* =========================================================
   UTILITY
   ========================================================= */
.u-hidden{display:none!important;}