:root{
  --blue:#1f4fd6;
  --blue-light:#5fa2ff;
  --blue-dark:#163b98;
  --text:#22385f;
  --muted:#617396;
  --orange:#ff8a1f;
  --orange-dark:#f37200;
  --orange-soft:#ffb347;
  --white:#ffffff;
  --container:1240px;
  --shadow-soft:0 14px 34px rgba(18,40,77,0.08);
  --shadow-card:0 18px 38px rgba(18,40,77,0.10);
}

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

html{
  scroll-behavior:smooth;
}

body{
  font-family:Arial, Helvetica, sans-serif;
  background:
    radial-gradient(circle at top left, rgba(95,162,255,0.08) 0%, transparent 28%),
    linear-gradient(180deg,#eef4ff 0%,#f7faff 100%);
  color:var(--text);
  line-height:1.55;
}

body::before{
  content:"";
  display:block;
  width:100%;
  height:8px;
  background:linear-gradient(90deg,#ff8a1f 0%, #ff9c2a 50%, #ffb347 100%);
}

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

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

.container{
  width:min(var(--container), calc(100% - 32px));
  margin:0 auto;
}

/* HEADER */

.site-header{
  position:sticky;
  top:0;
  z-index:1000;
  background:linear-gradient(180deg,#163b98 0%, #1f4fd6 58%, #5fa2ff 100%);
  box-shadow:0 10px 24px rgba(17,41,84,0.12);
}

.header-inner{
  min-height:78px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
}

.logo{
  display:flex;
  align-items:center;
  flex-shrink:0;
}

.logo-img{
  height:52px;
  width:auto;
  display:block;
}

.main-nav{
  display:flex;
  align-items:center;
  gap:28px;
  white-space:nowrap;
}

.main-nav a{
  font-size:16px;
  font-weight:700;
  color:#fff;
  position:relative;
  transition:0.2s ease;
}

.main-nav a:hover{
  opacity:0.92;
}

.main-nav a::after{
  content:"";
  position:absolute;
  left:0;
  bottom:-8px;
  width:0;
  height:2px;
  background:#fff;
  transition:0.2s ease;
}

.main-nav a:hover::after{
  width:100%;
}

.nav-dropdown{
  position:relative;
}

.nav-dropdown-toggle{
  display:inline-flex;
  align-items:center;
  gap:6px;
}

.nav-dropdown-toggle::after{
  content:"▾";
  font-size:12px;
  line-height:1;
  margin-top:1px;
}

.nav-dropdown-menu{
  position:absolute;
  top:calc(100% + 14px);
  left:0;
  min-width:260px;
  background:#ffffff;
  border-radius:14px;
  box-shadow:0 18px 40px rgba(16,38,87,0.18);
  border:1px solid #e3ebfb;
  padding:10px 0;
  opacity:0;
  visibility:hidden;
  transform:translateY(8px);
  transition:0.2s ease;
  z-index:1200;
}

.nav-dropdown:hover .nav-dropdown-menu{
  opacity:1;
  visibility:visible;
  transform:translateY(0);
}

.nav-dropdown-menu a{
  display:block;
  padding:11px 16px;
  color:#173d9f !important;
  font-size:15px !important;
  font-weight:700 !important;
  white-space:nowrap;
}

.nav-dropdown-menu a:hover{
  background:#f4f8ff;
  color:#1f4fd6 !important;
}

/* TOP TRUST */

.top-trust{
  padding:18px 0 8px;
}

.top-trust-row{
  display:flex;
  align-items:center;
  gap:34px;
  flex-wrap:wrap;
}

.top-trust-row span{
  position:relative;
  padding-left:24px;
  color:#1f4fd6;
  font-size:17px;
  font-weight:800;
}

.top-trust-row span::before{
  content:"";
  position:absolute;
  left:0;
  top:50%;
  transform:translateY(-50%);
  width:12px;
  height:12px;
  border-radius:3px;
  background:linear-gradient(135deg,#ffb347 0%, #ff8a1f 100%);
  box-shadow:0 0 0 5px rgba(255,138,31,0.12);
}

/* COOKIE */

#cookie-banner{
  background:#0f2f7a;
  color:#fff;
  padding:12px 0;
  border-bottom:1px solid rgba(255,255,255,0.08);
}

.cookie-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
}

#cookie-banner p{
  margin:0;
  font-size:15px;
}

.cookie-buttons{
  display:flex;
  gap:10px;
  flex-shrink:0;
}

.cookie-buttons button{
  border:none;
  padding:9px 16px;
  border-radius:8px;
  font-weight:700;
  cursor:pointer;
  transition:0.2s ease;
}

.cookie-buttons button:hover{
  transform:translateY(-1px);
}

.cookie-buttons .accept{
  background:#ff8a00;
  color:#fff;
}

.cookie-buttons .refuse{
  background:#fff;
  color:#0f2f7a;
}

.cookie-link{
  color:#fff;
  text-decoration:underline;
  font-weight:700;
  margin-left:6px;
}

.cookie-buttons .settings{
  background:#2b4fa3;
  color:#fff;
}

/* BUTTONS */

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  font-weight:800;
  border:none;
  cursor:pointer;
}

.btn-primary{
  background:linear-gradient(135deg,#ffad42 0%,var(--orange) 58%,var(--orange-dark) 100%);
  color:#fff;
  border-radius:14px;
  padding:16px 28px;
  font-size:17px;
  box-shadow:0 14px 28px rgba(255,138,31,0.24);
  transition:0.25s ease;
}

.btn-primary:hover{
  transform:translateY(-2px);
  box-shadow:0 18px 34px rgba(255,138,31,0.30);
}

/* GUIDE HERO */

.guide-page{
  padding-bottom:56px;
}

.guide-hero{
  padding:34px 0 24px;
}

.guide-hero-grid{
  display:grid;
  grid-template-columns:1.02fr 0.98fr;
  gap:54px;
  align-items:center;
}

.guide-hero-content{
  max-width:700px;
}

.guide-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-bottom:18px;
  padding:8px 14px;
  border-radius:999px;
  background:linear-gradient(180deg,#eef4ff 0%,#dfeaff 100%);
  border:1px solid #d8e5ff;
  color:#1a48c8;
  font-size:14px;
  font-weight:800;
  box-shadow:0 8px 16px rgba(31,79,214,0.08);
}

.guide-hero-content h1{
  font-size:58px;
  line-height:1.02;
  color:#102657;
  margin-bottom:18px;
}

.guide-hero-content p{
  font-size:20px;
  color:var(--muted);
  margin-bottom:26px;
  max-width:640px;
}

.guide-hero-actions{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
}

.guide-hero-visual{
  position:relative;
  display:flex;
  justify-content:flex-end;
}

.guide-hero-visual::before{
  content:"";
  position:absolute;
  inset:-14px -14px auto auto;
  width:130px;
  height:130px;
  border-radius:30px;
  background:linear-gradient(135deg, rgba(255,138,31,0.18), rgba(31,79,214,0.14));
  filter:blur(2px);
  z-index:0;
}

.guide-hero-visual img{
  position:relative;
  z-index:1;
  width:100%;
  max-width:560px;
  height:390px;
  object-fit:cover;
  border-radius:30px;
  box-shadow:0 24px 52px rgba(20,46,99,0.14);
  border:1px solid rgba(223,232,251,0.9);
}

/* GUIDE PANELS */

.guide-section{
  padding:14px 0;
}

.guide-panel{
  background:linear-gradient(180deg,#ffffff 0%,#fbfdff 100%);
  border:1px solid #dfe8fb;
  border-radius:28px;
  box-shadow:0 16px 38px rgba(18,40,77,0.07);
  padding:34px;
}

.guide-heading{
  display:flex;
  align-items:center;
  gap:14px;
  margin-bottom:18px;
}

.guide-heading h2{
  font-size:34px;
  line-height:1.12;
  color:#102657;
  margin:0;
}

.guide-dot{
  width:24px;
  height:24px;
  border-radius:50%;
  flex-shrink:0;
}

.guide-heading-orange .guide-dot{
  background:linear-gradient(135deg,#ffb347 0%,#ff8a1f 100%);
}

.guide-heading-green .guide-dot{
  background:linear-gradient(135deg,#9adf61 0%,#4ea93f 100%);
}

.guide-heading-blue .guide-dot{
  background:linear-gradient(135deg,#4da3ff 0%,#1f4fd6 100%);
}

.guide-heading-purple .guide-dot{
  background:linear-gradient(135deg,#b77bff 0%,#7b46d8 100%);
}

.guide-heading-yellow .guide-dot{
  background:linear-gradient(135deg,#ffd45c 0%,#f0a500 100%);
}

.guide-heading-dark .guide-dot{
  background:linear-gradient(135deg,#4f4f4f 0%,#1f1f1f 100%);
}

.guide-heading-light .guide-dot{
  background:linear-gradient(135deg,#f2f4f8 0%,#d8dee8 100%);
  border:1px solid #d4dbe7;
}

.guide-heading-inline{
  margin-bottom:12px;
}

.guide-panel p{
  font-size:18px;
  color:#27406f;
  margin-bottom:16px;
}

.guide-list-card{
  background:#f6f9ff;
  border:1px solid #e4ecfb;
  border-radius:18px;
  padding:20px;
  margin:18px 0;
}

.guide-list-card ul,
.guide-mini-card ul,
.footer-col ul{
  list-style:none;
  padding-left:0;
  margin:0;
}

.guide-list-card li,
.guide-mini-card li{
  position:relative;
  padding-left:18px;
  margin-bottom:10px;
  color:#30496f;
  font-size:17px;
}

.guide-list-card li::before,
.guide-mini-card li::before{
  content:"";
  position:absolute;
  left:0;
  top:10px;
  width:8px;
  height:8px;
  border-radius:50%;
  background:#1f4fd6;
}

.guide-card-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
  margin:22px 0;
}

.guide-mini-card{
  background:linear-gradient(180deg,#f8fbff 0%,#f2f7ff 100%);
  border:1px solid #dfe8fb;
  border-radius:22px;
  padding:24px;
  box-shadow:0 10px 24px rgba(18,40,77,0.05);
}

.guide-mini-card h3,
.guide-tip-box h3{
  font-size:24px;
  color:#173d9f;
  margin-bottom:12px;
}

.guide-tip-box{
  margin-top:20px;
  background:linear-gradient(180deg,#fffaf2 0%,#fff4e7 100%);
  border:1px solid #ffe2c4;
  border-radius:22px;
  padding:24px;
}

.guide-tip-box p{
  margin:0;
}

/* COMPARE BOX */

.guide-compare-box{
  display:grid;
  grid-template-columns:1.35fr 0.85fr;
  gap:24px;
  align-items:center;
  padding:30px 34px;
  border-radius:28px;
  background:linear-gradient(135deg,#173d9f 0%, #1f4fd6 52%, #4d8dff 100%);
  box-shadow:0 22px 48px rgba(20,46,99,0.18);
  color:#fff;
}

.guide-compare-text h2{
  color:#fff;
}

.guide-compare-text p{
  font-size:18px;
  color:rgba(255,255,255,0.92);
  margin:0;
}

.guide-compare-action{
  display:flex;
  justify-content:flex-end;
  align-items:center;
}

/* ARTICLES */

.guide-articles-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
  margin-top:8px;
}

.guide-article-card{
  position:relative;
  display:block;
  min-height:255px;
  border-radius:24px;
  overflow:hidden;
  background:linear-gradient(180deg,#ffffff 0%,#f7fbff 100%);
  border:1px solid #dfe8fb;
  box-shadow:0 14px 34px rgba(18,40,77,0.07);
  transition:0.28s ease;
}

.guide-article-card:hover{
  transform:translateY(-8px);
  box-shadow:0 22px 42px rgba(18,40,77,0.12);
  border-color:#cbdcfb;
}

.guide-article-top{
  height:10px;
  background:linear-gradient(90deg,#163b98 0%, #1f4fd6 52%, #5fa2ff 78%, #ff8a1f 100%);
}

.guide-article-body{
  position:relative;
  display:flex;
  flex-direction:column;
  gap:14px;
  padding:22px 22px 20px 28px;
  min-height:245px;
}

.guide-article-body::before{
  content:"";
  position:absolute;
  left:16px;
  top:74px;
  bottom:24px;
  width:4px;
  border-radius:999px;
  background:linear-gradient(180deg,#1f4fd6 0%, #5fa2ff 100%);
  opacity:0.95;
}

.guide-article-tag{
  display:inline-flex;
  align-self:flex-start;
  padding:7px 12px;
  border-radius:999px;
  background:linear-gradient(180deg,#eef4ff 0%,#dfeaff 100%);
  border:1px solid #d3e1ff;
  color:#1f4fd6;
  font-size:13px;
  font-weight:800;
}

.guide-article-card h3{
  position:relative;
  margin:0;
  padding-left:18px;
  font-size:20px;
  line-height:1.22;
  color:#12306a;
}

.guide-article-card h3::before{
  content:"";
  position:absolute;
  left:0;
  top:8px;
  width:10px;
  height:10px;
  border-radius:3px;
  background:linear-gradient(135deg,#1f4fd6 0%,#5fa2ff 100%);
  box-shadow:0 0 0 6px rgba(95,162,255,0.12);
}

.guide-article-card p{
  margin:0;
  padding-left:18px;
  font-size:16px;
  line-height:1.65;
  color:#5f7397;
  flex:1;
}

.guide-article-link{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  align-self:flex-start;
  margin-left:18px;
  padding:12px 18px;
  border-radius:12px;
  background:linear-gradient(135deg,#2b70ff 0%, #1f56d8 100%);
  color:#fff;
  font-weight:800;
  font-size:15px;
  box-shadow:0 10px 20px rgba(31,86,216,0.20);
  transition:0.22s ease;
}

.guide-article-link::after{
  content:"→";
  margin-left:8px;
  font-size:15px;
}

.guide-article-card:hover .guide-article-link{
  transform:translateY(-2px);
  background:linear-gradient(135deg,#3a7cff 0%, #1b4fd1 100%);
  box-shadow:0 14px 26px rgba(31,86,216,0.28);
}

/* FAQ */

.faq-accordion{
  display:flex;
  flex-direction:column;
  gap:14px;
  margin-top:8px;
}

.faq-accordion-item{
  background:linear-gradient(180deg,#ffffff 0%,#f8fbff 100%);
  border:1px solid #e1eafc;
  border-radius:20px;
  overflow:hidden;
  box-shadow:0 10px 24px rgba(18,40,77,0.05);
}

.faq-accordion-item summary{
  list-style:none;
  cursor:pointer;
  padding:22px 24px;
  font-size:23px;
  font-weight:800;
  color:#163b98;
  display:flex;
  align-items:center;
  justify-content:space-between;
}

.faq-accordion-item summary::-webkit-details-marker{
  display:none;
}

.faq-accordion-item summary::after{
  content:"+";
  font-size:26px;
  line-height:1;
  color:#1f4fd6;
  margin-left:16px;
  flex-shrink:0;
}

.faq-accordion-item[open] summary::after{
  content:"–";
}

.faq-accordion-content{
  padding:0 24px 22px;
}

.faq-accordion-content p{
  font-size:17px;
  color:#30496f;
  margin:0;
}

/* FINAL CTA */

.guide-final-section{
  padding-bottom:0;
}

.guide-final-gradient{
  position:relative;
  overflow:hidden;
  border-radius:32px;
  background:
    radial-gradient(circle at 10% 20%, rgba(255,255,255,0.12) 0%, transparent 24%),
    radial-gradient(circle at 90% 70%, rgba(255,255,255,0.10) 0%, transparent 22%),
    linear-gradient(135deg,#163b98 0%, #1f4fd6 48%, #5fa2ff 76%, #ff8a1f 100%);
  box-shadow:0 24px 54px rgba(20,46,99,0.20);
}

.guide-final-content{
  padding:42px 36px;
  text-align:center;
}

.guide-final-content h2{
  font-size:42px;
  line-height:1.12;
  color:#fff;
  margin-bottom:14px;
}

.guide-final-content p{
  max-width:820px;
  margin:0 auto 24px;
  font-size:19px;
  color:rgba(255,255,255,0.92);
}

.btn-light-shadow{
  box-shadow:0 16px 30px rgba(255,138,31,0.26);
}

/* FOOTER */

.site-footer{
  background:linear-gradient(180deg,#163b98 0%, #1f4fd6 60%, #5fa2ff 100%);
  color:#fff;
  margin-top:12px;
}

.footer-top{
  display:grid;
  grid-template-columns:1.2fr 1fr 1fr;
  gap:34px;
  padding:42px 0 28px;
}

.footer-logo{
  display:flex;
  align-items:center;
  margin-bottom:12px;
}

.footer-logo-img{
  height:46px;
  width:auto;
  display:block;
}

.footer-brand p{
  color:rgba(255,255,255,0.88);
  font-size:17px;
}

.footer-col h4{
  font-size:22px;
  margin-bottom:14px;
}

.footer-col ul{
  display:flex;
  flex-direction:column;
  gap:10px;
}

.footer-col li,
.footer-col a{
  color:rgba(255,255,255,0.88);
  font-size:16px;
}

.footer-bottom{
  border-top:1px solid rgba(255,255,255,0.12);
  padding:18px 0 20px;
}

.footer-bottom p{
  text-align:center;
  color:rgba(255,255,255,0.82);
  font-size:15px;
}

/* RESPONSIVE */

@media (max-width:1080px){
  .main-nav{
    display:none;
  }

  .guide-hero-grid,
  .guide-compare-box{
    grid-template-columns:1fr;
  }

  .guide-hero-content{
    text-align:center;
    max-width:100%;
  }

  .guide-hero-actions{
    justify-content:center;
  }

  .guide-hero-visual{
    justify-content:center;
  }

  .guide-card-grid{
    grid-template-columns:1fr;
  }

  .guide-articles-grid{
    grid-template-columns:1fr 1fr;
  }

  .guide-compare-action{
    justify-content:center;
  }

  .top-trust-row{
    justify-content:center;
  }

  .footer-top{
    grid-template-columns:1fr 1fr;
  }

  .nav-dropdown{
    display:none;
  }
}

@media (max-width:780px){
  .cookie-inner{
    flex-direction:column;
    align-items:flex-start;
  }

  .header-inner{
    min-height:72px;
  }

  .logo-img{
    height:44px;
  }

  .guide-hero-content h1{
    font-size:40px;
  }

  .guide-hero-content p,
  .top-trust-row span{
    font-size:17px;
  }

  .guide-panel{
    padding:24px;
    border-radius:22px;
  }

  .guide-heading h2,
  .guide-final-content h2{
    font-size:30px;
  }

  .faq-accordion-item summary{
    font-size:19px;
    padding:18px 18px;
  }

  .faq-accordion-content{
    padding:0 18px 18px;
  }

  .guide-articles-grid{
    grid-template-columns:1fr;
  }

  .footer-top{
    grid-template-columns:1fr;
  }

  .footer-logo-img{
    height:42px;
  }

  .guide-hero-visual img{
    height:320px;
  }
}

@media (max-width:520px){
  .container{
    width:min(100% - 20px, var(--container));
  }

  .guide-hero{
    padding:24px 0 18px;
  }

  .guide-hero-content h1{
    font-size:34px;
  }

  .top-trust-row{
    gap:12px;
  }

  .top-trust-row span{
    width:100%;
    text-align:left;
    font-size:15px;
  }

  .guide-hero-visual img{
    height:250px;
  }

  .guide-compare-box,
  .guide-final-content{
    padding:24px 20px;
  }

  .guide-final-content h2{
    font-size:28px;
  }

  .guide-final-content p{
    font-size:17px;
  }

  .guide-article-body{
    padding:20px 18px 18px 24px;
  }

  .guide-article-body::before{
    left:12px;
  }

  .guide-article-card h3,
  .guide-article-card p{
    padding-left:16px;
  }

  .guide-article-link{
    margin-left:16px;
  }
}