/* Viltoria: calm author-first theme.
   One dark colour (navy), one accent used sparingly (gold), everything else neutral.
   System fonts only: fast, no third-party requests. */
:root {
  --paper: #f7f6f3;
  --surface: #ffffff;
  --navy: #13294b;
  --navy-2: #1c3a66;
  --tint: #edf1f6;
  --ink: #1d2839;
  --muted: #556173;
  --line: #dfe2e6;
  --gold: #b88a2e;
  --gold-ink: #7a5a12;
  --alert: #8c2f2f;
  --radius: 14px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --gutter: max(16px, env(safe-area-inset-left, 0px));
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 17px/1.65 var(--sans); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-underline-offset: 3px; }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.2; margin: 0 0 .6em; font-weight: 700; text-wrap: balance; }
h1 { font-size: clamp(2rem, 5.4vw, 3.2rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.55rem, 3.6vw, 2.15rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; margin: 0 0 1em; }
li { margin-bottom: .35em; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff; padding: 10px 16px; z-index: 200; }
.skip:focus { left: 8px; top: 8px; }
.wrap { width: 100%; max-width: 1160px; margin-inline: auto; padding-inline: max(16px, env(safe-area-inset-left, 0px)) max(16px, env(safe-area-inset-right, 0px)); }
.narrow { max-width: 780px; }
section { padding-block: clamp(44px, 7vw, 88px); }
.alt { background: var(--surface); border-block: 1px solid var(--line); }
.eyebrow { display: block; font: 700 .78rem/1.2 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-ink); margin-bottom: 12px; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 62ch; }
.center { text-align: center; } .center .lead { margin-inline: auto; }
.rule { width: 48px; height: 3px; background: var(--gold); border-radius: 2px; margin: 0 0 18px; }
.center .rule { margin-inline: auto; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 12px 26px; border-radius: 10px; border: 2px solid var(--navy); font: 700 1rem/1.2 var(--sans); text-decoration: none; cursor: pointer; transition: background .15s, color .15s, transform .15s; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-2); }
.btn-secondary { background: transparent; color: var(--navy); }
.btn-secondary:hover { background: var(--tint); }
.on-navy .btn-primary { background: #fff; color: var(--navy); border-color: #fff; }
.on-navy .btn-primary:hover { background: var(--tint); }
.on-navy .btn-secondary { color: #fff; border-color: rgba(255,255,255,.7); }
.on-navy .btn-secondary:hover { background: rgba(255,255,255,.1); }
.btn-block { width: 100%; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0; }

/* Header */
.header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 100; background: var(--navy); color: #fff; }
.header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 74px; }
.logo img { height: 48px; width: auto; }
.nav { display: none; gap: 26px; align-items: center; }
.nav a { color: #e6ecf5; text-decoration: none; font-weight: 600; font-size: .95rem; padding: 6px 0; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="page"] { color: #fff; border-bottom-color: var(--gold); }
.header .btn { min-height: 42px; padding: 8px 18px; font-size: .92rem; background: #fff; color: var(--navy); border-color: #fff; display: none; }
.menu-btn { background: none; border: 2px solid rgba(255,255,255,.6); border-radius: 10px; width: 46px; height: 46px; display: inline-flex; align-items: center; justify-content: center; color: #fff; cursor: pointer; }
.mobile-nav { display: none; background: var(--navy); border-top: 1px solid rgba(255,255,255,.15); }
.mobile-nav.open { display: block; }
.mobile-nav a { display: block; padding: 15px max(16px, env(safe-area-inset-left, 0px)); color: #fff; font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.1); }
@media (min-width: 980px) { .nav { display: flex; } .menu-btn, .mobile-nav { display: none !important; } .header .btn { display: inline-flex; } }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 150; background: var(--navy); }

/* Breadcrumbs */
.crumbs { font-size: .88rem; color: var(--muted); padding-top: 22px; }
.crumbs ol { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.crumbs li { margin: 0; } .crumbs li + li::before { content: "/"; margin-right: 6px; color: var(--line); }
.crumbs a { color: var(--muted); }

/* Hero */
.hero { padding-block: clamp(36px, 6vw, 80px); }
.hero .grid { display: grid; gap: 36px; align-items: center; }
@media (min-width: 940px) { .hero .grid { grid-template-columns: 1.05fr .95fr; gap: 56px; } }
.hero h1 em { font-style: normal; border-bottom: 4px solid var(--gold); }
.photo { border-radius: 18px; overflow: hidden; border: 1px solid var(--line); background: var(--tint); }
.photo img { width: 100%; }
.seals { display: flex; flex-wrap: wrap; gap: 14px 22px; margin-top: 26px; padding: 0; list-style: none; }
.seals li { display: flex; align-items: center; gap: 10px; font-size: .9rem; font-weight: 600; color: var(--ink); margin: 0; max-width: 220px; }
.seals img { width: 56px; height: 56px; flex: none; }

/* Facts strip */
.facts { background: var(--surface); border-block: 1px solid var(--line); padding-block: 26px; }
.facts ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; text-align: center; }
@media (min-width: 760px) { .facts ul { grid-template-columns: repeat(4, 1fr); } }
.facts li { margin: 0; } .facts strong { display: block; font: 700 clamp(1.6rem, 4vw, 2.3rem)/1.1 var(--serif); color: var(--navy); } .facts span { font-size: .92rem; color: var(--muted); }

/* Two column blocks */
.split { display: grid; gap: 32px; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 56px; } .split.flip .photo { order: 2; } }
.contrast { display: grid; gap: 18px; margin-top: 30px; }
@media (min-width: 820px) { .contrast { grid-template-columns: 1fr 1fr; } }
.col { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.col.good { border-top: 4px solid var(--gold); }
.col h3 { font-size: 1.15rem; }
.col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.col li { padding-left: 26px; position: relative; margin: 0; }
.col.bad li::before { content: "×"; position: absolute; left: 2px; top: -2px; color: var(--alert); font-weight: 700; font-size: 1.3rem; }
.col.good li::before { content: "✓"; position: absolute; left: 2px; color: var(--navy); font-weight: 800; }

/* Steps */
.steps { display: grid; gap: 22px; margin-top: 34px; }
@media (min-width: 860px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.step { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.step .body { padding: 20px 22px 24px; }
.step .n { font: 700 .78rem var(--sans); letter-spacing: .1em; color: var(--gold-ink); text-transform: uppercase; display: block; margin-bottom: 6px; }

/* Example quote card */
.qcard { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 24px; }
.qcard .tag { font: 700 .72rem var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--muted); display: block; margin-bottom: 10px; }
.qrow { padding: 12px 0; border-top: 1px solid var(--line); }
.qrow:first-of-type { border-top: 0; }
.qrow b { display: block; color: var(--navy); }
.qrow small { display: block; color: var(--muted); font-size: .92rem; margin: 2px 0 4px; }
.verdict { font: 700 .82rem var(--sans); }
.v-ok { color: var(--navy); } .v-ask { color: var(--gold-ink); } .v-no { color: var(--alert); }

/* Quiz */
.quiz { display: grid; gap: 26px; margin-top: 30px; }
@media (min-width: 900px) { .quiz { grid-template-columns: 1.1fr .9fr; } }
fieldset { border: 0; margin: 0 0 20px; padding: 0; }
legend { font: 700 1.05rem var(--serif); color: var(--navy); margin-bottom: 10px; padding: 0; }
.opt { display: block; position: relative; margin-bottom: 8px; }
.opt input { position: absolute; opacity: 0; }
.opt span { display: block; padding: 13px 16px; border: 2px solid var(--line); border-radius: 10px; background: var(--surface); cursor: pointer; font-weight: 600; }
.opt input:checked + span { border-color: var(--navy); background: var(--tint); }
.opt input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.result { background: var(--navy); color: #fff; border-radius: 18px; padding: 26px; align-self: start; }
.result h3 { color: #fff; } .result p { color: #d4dcea; } .result .tag { font: 700 .74rem var(--sans); letter-spacing: .1em; text-transform: uppercase; color: #e4c778; }
.result ul { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; margin: 14px 0 18px; }
.result .btn-primary, .next .btn-primary { background: #fff; color: var(--navy); border-color: #fff; }
.result .btn-primary:hover, .next .btn-primary:hover { background: var(--tint); }
.result li { margin: 0; } .result li a { display: inline-block; font-size: .85rem; color: #fff; border: 1px solid rgba(255,255,255,.4); border-radius: 999px; padding: 6px 12px; text-decoration: none; }

/* Packages */
.pk-grid { display: grid; gap: 18px; margin-top: 32px; }
@media (min-width: 700px) { .pk-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .pk-grid { grid-template-columns: repeat(4, 1fr); } }
.pk { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 24px; display: flex; flex-direction: column; position: relative; }
.pk.featured { border: 2px solid var(--navy); }
.pk .flag { position: absolute; top: -12px; left: 20px; background: var(--navy); color: #fff; font: 700 .72rem var(--sans); letter-spacing: .08em; text-transform: uppercase; padding: 5px 11px; border-radius: 999px; }
.pk .for { color: var(--muted); font-size: .92rem; min-height: 2.7em; }
.price { font: 700 2.1rem/1.1 var(--serif); color: var(--navy); margin: 6px 0 2px; }
.price small { font: 500 .85rem var(--sans); color: var(--muted); display: block; margin-top: 2px; }
.pk h4 { font: 700 .74rem var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--gold-ink); margin: 14px 0 6px; }
.pk ul { list-style: none; padding: 0; margin: 0 0 6px; font-size: .95rem; }
.pk li { padding-left: 22px; position: relative; }
.pk .yes li::before { content: "✓"; position: absolute; left: 0; color: var(--navy); font-weight: 800; }
.pk .no li::before { content: "–"; position: absolute; left: 3px; color: var(--muted); }
.pk .pay { font-size: .88rem; color: var(--muted); margin: 10px 0 18px; }
.pk .btn { margin-top: auto; }
.note { background: var(--tint); border-left: 4px solid var(--gold); border-radius: 8px; padding: 16px 20px; margin-top: 26px; font-weight: 600; color: var(--navy); }
.small { font-size: .9rem; color: var(--muted); }

/* Cards (guides, services) */
.cards { display: grid; gap: 20px; margin-top: 30px; }
@media (min-width: 700px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .cards { grid-template-columns: repeat(3, 1fr); } }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; }
.card a.cover { display: block; } .card img { width: 100%; aspect-ratio: 4/3; object-fit: cover; }
.card .body { padding: 18px 20px 22px; display: flex; flex-direction: column; flex: 1; }
.card .meta { font-size: .8rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-ink); margin-bottom: 6px; }
.card h3 { margin-bottom: .4em; } .card h3 a { text-decoration: none; }
.card p { color: var(--muted); font-size: .96rem; }
.card .more { margin-top: auto; font-weight: 700; }
.searchbar { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 22px; }
.searchbar input { flex: 1 1 260px; min-height: 50px; border: 2px solid var(--line); border-radius: 10px; padding: 10px 14px; font: 1rem var(--sans); background: var(--surface); color: var(--ink); }
.chips { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 14px; }
.chip { border: 1px solid var(--line); background: var(--surface); border-radius: 999px; padding: 7px 14px; font: 600 .88rem var(--sans); cursor: pointer; color: var(--navy); }
.chip[aria-pressed="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.empty { padding: 24px; color: var(--muted); }

/* Article */
.article h1 { margin-bottom: .4em; }
.byline { color: var(--muted); font-size: .92rem; margin-bottom: 20px; }
.answer { background: var(--tint); border-left: 4px solid var(--gold); border-radius: 8px; padding: 18px 22px; font-size: 1.08rem; margin: 22px 0 28px; }
.answer b { display: block; font: 700 .74rem var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--gold-ink); margin-bottom: 6px; }
.prose h2 { margin-top: 1.6em; }
.prose table, .tablewrap table { width: 100%; border-collapse: collapse; font-size: .96rem; }
.prose th, .prose td, .tablewrap th, .tablewrap td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th, .tablewrap th { background: var(--tint); color: var(--navy); font-weight: 700; }
.prose table { display: block; overflow-x: auto; }
.tablewrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
.next { background: var(--navy); color: #fff; border-radius: 18px; padding: 28px; margin: 40px 0 10px; }
.next h2, .next h3 { color: #fff; } .next p { color: #d4dcea; }
.sources { font-size: .9rem; color: var(--muted); border-top: 1px solid var(--line); margin-top: 30px; padding-top: 16px; }

/* FAQ */
.faq { display: grid; gap: 10px; margin-top: 28px; }
details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; }
summary { cursor: pointer; padding: 16px 20px; font: 700 1.03rem var(--serif); color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 12px; align-items: center; min-height: 54px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font: 700 1.4rem var(--sans); color: var(--gold-ink); }
details[open] summary::after { content: "–"; }
details p { margin: 0; padding: 0 20px 18px; color: var(--muted); }

/* Forms */
.form { display: grid; gap: 16px; background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: clamp(18px, 4vw, 32px); }
.form label { font-weight: 700; font-size: .95rem; display: block; margin-bottom: 6px; color: var(--navy); }
.form input[type=text], .form input[type=email], .form input[type=tel], .form select, .form textarea { width: 100%; min-height: 48px; border: 2px solid var(--line); border-radius: 10px; padding: 10px 14px; font: 1rem var(--sans); background: #fff; color: var(--ink); }
.form textarea { min-height: 120px; }
.form .row { display: grid; gap: 16px; } @media (min-width: 700px) { .form .row { grid-template-columns: 1fr 1fr; } }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; color: var(--muted); }
.check input { width: 22px; height: 22px; margin-top: 2px; flex: none; }
.hp { position: absolute; left: -9999px; }

/* Navy band */
.band { background: var(--navy); color: #fff; text-align: center; }
.band h2 { color: #fff; } .band .lead { color: #d4dcea; margin-inline: auto; } .band .cta-row { justify-content: center; }

/* Footer */
.footer { background: #0d1d38; color: #b9c4d6; padding: 48px 0 110px; font-size: .94rem; }
.footer .cols { display: grid; gap: 28px; } @media (min-width: 860px) { .footer .cols { grid-template-columns: 1.5fr 1fr 1fr 1fr; } }
.footer h4 { color: #fff; font: 700 1rem var(--serif); margin: 0 0 10px; }
.footer a { color: #b9c4d6; display: block; padding: 4px 0; text-decoration: none; } .footer a:hover { color: #fff; text-decoration: underline; }
.footer address { font-style: normal; } .footer address a { display: inline; }
.footer .legal { border-top: 1px solid rgba(255,255,255,.14); margin-top: 30px; padding-top: 18px; font-size: .86rem; }
.footer img { height: 44px; width: auto; margin-bottom: 14px; }
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 90; background: rgba(247,246,243,.96); border-top: 1px solid var(--line); padding: 10px max(16px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px)); }
@media (min-width: 980px) { .sticky-cta { display: none; } .footer { padding-bottom: 48px; } }
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }