/* ==========================================================================
   Forex CFD Broker Vergleich Deutschland — Design System
   ========================================================================== */

:root {
  --color-primary:    #1A2B4A;
  --color-primary-rgb: 26, 43, 74;
  --color-primary-dark: #0D1626;
  --color-accent:     #0066CC;
  --color-accent-rgb: 0, 102, 204;
  --color-accent-alt: #00A86B;
  --color-accent-alt-rgb: 0, 168, 107;
  --color-danger:     #D63B3B;
  --color-danger-rgb: 214, 59, 59;
  --color-bg:         #F7F9FC;
  --color-surface:    #FFFFFF;
  --color-border:     #E2E8F0;
  --color-text:       #1A2B4A;
  --color-text-muted: #64748B;
  --color-gold:       #F59E0B;
  --color-gold-rgb: 245, 158, 11;

  --font-display: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-body: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'JetBrains Mono', 'Courier New', monospace;

  --fs-14: 0.875rem;
  --fs-16: 1rem;
  --fs-18: 1.125rem;
  --fs-20: 1.25rem;
  --fs-24: 1.5rem;
  --fs-32: 2rem;
  --fs-40: 2.5rem;
  --fs-56: 3.5rem;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 3px rgba(26, 43, 74, 0.08);
  --shadow-md: 0 8px 24px rgba(26, 43, 74, 0.10);
  --shadow-lg: 0 20px 48px rgba(26, 43, 74, 0.16);
  --header-h: 76px;
  --max-w: 1200px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }
body {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 400;
  font-size: var(--fs-16);
  line-height: 1.65;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { padding: 0; margin: 0; list-style: none; }
button { font-family: inherit; cursor: pointer; }
table { border-collapse: collapse; width: 100%; }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; letter-spacing: -0.02em; margin: 0; color: var(--color-primary); }
p { margin: 0; }

.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

section { position: relative; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-mono);
  font-size: var(--fs-14);
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-accent);
  margin-bottom: 12px;
}

.section-head {
  max-width: 760px;
  margin: 0 0 40px;
}
.section-head h2 { font-size: var(--fs-40); line-height: 1.15; }
.section-head p { margin-top: 14px; color: var(--color-text-muted); font-size: var(--fs-18); }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

.section-pad { padding: 88px 0; }
.section-pad-sm { padding: 56px 0; }
.section-alt { background: var(--color-surface); }

/* ---------- Abstract background system ----------
   A shared "market data" motif (grid, drifting node-lines, soft glows)
   reused across sections as a low-opacity backdrop. */
.abstract-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
  z-index: 0;
}
.abstract-bg::before {
  content: "";
  position: absolute;
  inset: -10%;
  background-image:
    linear-gradient(rgba(var(--color-accent-rgb), 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(var(--color-accent-rgb), 0.05) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse 70% 60% at 50% 0%, black 40%, transparent 90%);
}
.abstract-bg .glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
  opacity: 0.35;
}
.abstract-bg .glow--accent { width: 420px; height: 420px; background: rgba(var(--color-accent-rgb), 0.25); top: -120px; right: -100px; }
.abstract-bg .glow--green  { width: 320px; height: 320px; background: rgba(var(--color-accent-alt-rgb), 0.2); bottom: -80px; left: -60px; }
.abstract-bg .glow--gold   { width: 260px; height: 260px; background: rgba(var(--color-gold-rgb), 0.15); top: 40%; left: 60%; }

.abstract-line {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0.5;
}

section > .container { position: relative; z-index: 1; }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--header-h);
  z-index: 200;
  background: rgba(247, 249, 252, 0.85);
  backdrop-filter: blur(14px) saturate(140%);
  border-bottom: 1px solid var(--color-border);
}
.site-header .container { height: 100%; display: flex; align-items: center; justify-content: space-between; }
.logo {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: var(--fs-20);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 8px;
}
.logo svg { width: 28px; height: 28px; }
.nav-menu {
  display: flex;
  gap: 32px;
  align-items: center;
}
.nav-menu a {
  font-size: var(--fs-14);
  font-weight: 500;
  color: var(--color-text);
  transition: color 0.15s ease;
}
.nav-menu a:hover { color: var(--color-accent); }
.header-actions { display: flex; align-items: center; gap: 16px; }
.hamburger {
  display: none;
  background: none;
  border: none;
  width: 40px; height: 40px;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
}
.mobile-nav {
  display: none;
  position: fixed;
  top: var(--header-h);
  left: 0; right: 0;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 16px 24px 24px;
  z-index: 199;
  box-shadow: var(--shadow-md);
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  padding: 12px 0;
  font-weight: 500;
  border-bottom: 1px solid var(--color-border);
}
.mobile-nav a:last-child { border-bottom: none; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--fs-16);
  padding: 14px 26px;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: var(--color-accent);
  color: #fff;
  box-shadow: 0 8px 20px rgba(var(--color-accent-rgb), 0.35);
}
.btn-primary:hover { background: #0057b3; box-shadow: 0 10px 26px rgba(var(--color-accent-rgb), 0.45); }
.btn-ghost {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-border);
}
.btn-ghost:hover { border-color: var(--color-accent); color: var(--color-accent); }
.btn-ghost-light {
  background: rgba(255,255,255,0.06);
  color: #fff;
  border-color: rgba(255,255,255,0.28);
}
.btn-ghost-light:hover { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.5); }
.btn-sm { padding: 10px 18px; font-size: var(--fs-14); }
.btn-block { width: 100%; }
.header-actions .btn-primary { padding: 11px 20px; font-size: var(--fs-14); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: calc(var(--header-h) + 64px) 0 56px;
  background: radial-gradient(120% 100% at 50% -10%, #22406b 0%, var(--color-primary) 42%, var(--color-primary-dark) 100%);
  color: #fff;
  overflow: hidden;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 860px;
  margin: 0 auto;
  text-align: center;
}
.hero h1 {
  color: #fff;
  font-size: var(--fs-56);
  line-height: 1.1;
  margin-bottom: 22px;
}
.hero .lede {
  font-size: var(--fs-18);
  color: rgba(255,255,255,0.78);
  max-width: 680px;
  margin: 0 auto 32px;
}
.badge-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-bottom: 36px;
}
.badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: var(--fs-14);
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 999px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.16);
  color: rgba(255,255,255,0.92);
}
.badge svg { width: 16px; height: 16px; color: var(--color-accent-alt); flex-shrink: 0; }

.cta-stack { display: flex; flex-direction: column; align-items: center; gap: 10px; margin-bottom: 40px; }
.cta-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; }
.cta-caption { font-size: var(--fs-14); color: rgba(255,255,255,0.6); }

.trust-bar {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px 28px;
  padding: 18px 20px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  margin: 0 auto;
  max-width: 780px;
}
.trust-bar span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: var(--fs-14);
  color: rgba(255,255,255,0.75);
}
.trust-bar svg { width: 16px; height: 16px; color: var(--color-gold); }

/* --- Hero animated illustration --- */
.hero-illustration {
  position: relative;
  height: 260px;
  margin: 48px auto 0;
  max-width: 980px;
}
.hero-illustration svg { width: 100%; height: 100%; overflow: visible; }
.hi-grid line { stroke: rgba(255,255,255,0.07); }
.hi-bar { transform-origin: bottom; animation: hiBarGrow 3.2s ease-in-out infinite; }
.hi-path { stroke-dasharray: 1400; stroke-dashoffset: 1400; animation: hiDraw 5s ease-in-out infinite; }
.hi-path-alt { stroke-dasharray: 1400; stroke-dashoffset: 1400; animation: hiDraw 5s ease-in-out infinite; animation-delay: 0.4s; }
.hi-node { animation: hiPulse 2.4s ease-in-out infinite; }
.hi-label { font-family: var(--font-mono); font-size: 13px; fill: rgba(255,255,255,0.85); }
.hi-label-sub { font-family: var(--font-mono); font-size: 10px; }
.hi-glow-blob { animation: hiDrift 9s ease-in-out infinite; }

@keyframes hiDraw {
  0% { stroke-dashoffset: 1400; }
  55%, 100% { stroke-dashoffset: 0; }
}
@keyframes hiBarGrow {
  0%, 100% { transform: scaleY(0.7); }
  50% { transform: scaleY(1); }
}
@keyframes hiPulse {
  0%, 100% { opacity: 0.55; r: 4; }
  50% { opacity: 1; r: 6; }
}
@keyframes hiDrift {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(18px, -14px); }
}
@media (prefers-reduced-motion: reduce) {
  .hi-bar, .hi-path, .hi-path-alt, .hi-node, .hi-glow-blob { animation: none !important; stroke-dashoffset: 0; }
}

/* ---------- Ticker ---------- */
.ticker-wrap {
  position: relative;
  z-index: 2;
  border-top: 1px solid rgba(255,255,255,0.1);
  background: rgba(0,0,0,0.16);
  overflow: hidden;
  padding: 14px 0;
  margin-top: 40px;
}
.ticker-track {
  display: flex;
  width: max-content;
  animation: tickerScroll 34s linear infinite;
}
.ticker-wrap:hover .ticker-track { animation-play-state: paused; }
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-mono);
  font-size: var(--fs-14);
  color: rgba(255,255,255,0.85);
  padding: 0 28px;
  border-right: 1px solid rgba(255,255,255,0.12);
  white-space: nowrap;
}
.ticker-item .sym { font-weight: 600; color: #fff; }
.ticker-item .chg { display: inline-flex; align-items: center; gap: 3px; }
.ticker-item .chg.up { color: var(--color-accent-alt); }
.ticker-item .chg.down { color: #ff7a7a; }
.ticker-item svg { width: 13px; height: 13px; }
@keyframes tickerScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ---------- Quick facts ---------- */
.facts-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--color-border);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.fact-item { background: var(--color-surface); padding: 22px 26px; }
.fact-item .label { font-size: var(--fs-14); color: var(--color-text-muted); margin-bottom: 6px; }
.fact-item .value { font-family: var(--font-mono); font-weight: 500; font-size: var(--fs-16); color: var(--color-primary); }

/* ---------- Cards ---------- */
.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 28px;
}
.verdict-card { max-width: 880px; margin: 0 auto 40px; text-align: center; padding: 32px 40px; }
.verdict-card p { font-size: var(--fs-18); color: var(--color-text-muted); }

.pros-cons-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 24px; }
.pc-card h3 { display: flex; align-items: center; gap: 10px; font-size: var(--fs-20); margin-bottom: 18px; }
.pc-card h3 svg { width: 22px; height: 22px; }
.pc-card.pros h3 svg { color: var(--color-accent-alt); }
.pc-card.cons h3 svg { color: var(--color-danger); }
.pc-list li { display: flex; gap: 10px; padding: 9px 0; font-size: var(--fs-16); }
.pc-list li svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.pc-list.pros li svg { color: var(--color-accent-alt); }
.pc-list.cons li svg { color: var(--color-danger); }

.suit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.suit-card h4 { font-size: var(--fs-16); margin-bottom: 12px; }
.suit-card ul li { padding: 6px 0; color: var(--color-text-muted); font-size: var(--fs-14); position: relative; padding-left: 16px; }
.suit-card ul li::before { content: "—"; position: absolute; left: 0; color: var(--color-text-muted); }

/* ---------- Bar infographic (ESMA) ---------- */
.bars-infographic { display: flex; flex-direction: column; gap: 16px; }
.bar-row { display: grid; grid-template-columns: 190px 1fr 64px; align-items: center; gap: 14px; }
.bar-row .bar-label { font-size: var(--fs-14); font-weight: 500; }
.bar-track { height: 14px; background: var(--color-border); border-radius: 999px; overflow: hidden; }
.bar-fill {
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--color-accent), var(--color-accent-alt));
  width: 0;
  transition: width 1.1s cubic-bezier(.2,.7,.3,1);
}
.bar-row .bar-value { font-family: var(--font-mono); font-size: var(--fs-14); font-weight: 600; text-align: right; color: var(--color-primary); }
.two-col { display: grid; grid-template-columns: 1.4fr 1fr; gap: 32px; align-items: start; }
.explainer-card { padding: 24px; }
.explainer-card .item { margin-bottom: 16px; }
.explainer-card .item:last-child { margin-bottom: 0; }
.explainer-card .item strong { display: block; color: var(--color-primary); margin-bottom: 4px; font-size: var(--fs-14); }
.explainer-card .item span { font-size: var(--fs-14); color: var(--color-text-muted); }

/* ---------- Regulatory tree ---------- */
.reg-tree { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; }
.reg-tree svg { width: 100%; height: auto; }

/* ---------- Tables ---------- */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-surface);
}
table.data-table { min-width: 560px; }
table.data-table th, table.data-table td {
  padding: 14px 20px;
  text-align: left;
  font-size: var(--fs-14);
  border-bottom: 1px solid var(--color-border);
}
table.data-table th {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--color-primary);
  background: var(--color-bg);
  font-size: var(--fs-14);
}
table.data-table tr:last-child td { border-bottom: none; }
table.data-table td.mono { font-family: var(--font-mono); }
.table-note { margin-top: 12px; font-size: var(--fs-14); color: var(--color-text-muted); }

/* ---------- Calculator ---------- */
.calc-card { max-width: 620px; margin: 0 auto; padding: 32px; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 20px; }
.calc-field { display: flex; flex-direction: column; gap: 6px; }
.calc-field label { font-size: var(--fs-14); font-weight: 500; color: var(--color-text-muted); }
.calc-field select, .calc-field input {
  font-family: var(--font-mono);
  font-size: var(--fs-16);
  padding: 11px 14px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  background: var(--color-bg);
  color: var(--color-text);
}
.calc-field select:focus, .calc-field input:focus { outline: 2px solid var(--color-accent); outline-offset: 1px; }
.calc-results { margin-top: 22px; border-top: 1px dashed var(--color-border); padding-top: 20px; display: none; }
.calc-results.visible { display: block; }
.calc-result-row { display: flex; justify-content: space-between; padding: 8px 0; font-size: var(--fs-16); }
.calc-result-row.total { font-weight: 700; border-top: 1px solid var(--color-border); margin-top: 6px; padding-top: 14px; }
.calc-result-row .val { font-family: var(--font-mono); }
.calc-note { margin-top: 14px; font-size: var(--fs-14); color: var(--color-text-muted); }

/* ---------- Instrument cards ---------- */
.instrument-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.instrument-card { display: flex; flex-direction: column; gap: 10px; }
.instrument-card .icon-wrap {
  width: 46px; height: 46px;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--radius-sm);
  background: rgba(var(--color-accent-rgb), 0.1);
  color: var(--color-accent);
  margin-bottom: 6px;
}
.instrument-card h3 { font-size: var(--fs-18); }
.instrument-card ul { margin: 4px 0 8px; }
.instrument-card ul li { font-size: var(--fs-14); color: var(--color-text-muted); padding: 3px 0; }
.risk-badge { display: inline-flex; align-self: flex-start; font-size: 12px; font-weight: 600; padding: 4px 10px; border-radius: 999px; }
.risk-badge.mid { background: rgba(var(--color-gold-rgb), 0.15); color: #a3690a; }
.risk-badge.mid-high { background: rgba(214,59,59,0.1); color: #b23636; }
.risk-badge.high { background: rgba(214,59,59,0.15); color: var(--color-danger); }
.risk-badge.very-high { background: rgba(214,59,59,0.22); color: #9c2323; }

/* ---------- Stepper ---------- */
.stepper { display: grid; grid-template-columns: repeat(6, 1fr); gap: 12px; }
.step-item { position: relative; text-align: center; padding: 22px 14px; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md); }
.step-item .step-num {
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--color-accent); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-mono); font-weight: 600;
  margin: 0 auto 12px;
}
.step-item h4 { font-size: var(--fs-14); margin-bottom: 6px; }
.step-item p { font-size: 13px; color: var(--color-text-muted); }
.step-arrow { display: none; }

/* ---------- Risk box ---------- */
.risk-box {
  border: 2px solid var(--color-danger);
  background: rgba(214,59,59,0.05);
  border-radius: var(--radius-md);
  padding: 26px 28px;
  display: flex;
  gap: 16px;
  margin-bottom: 40px;
}
.risk-box svg { width: 28px; height: 28px; color: var(--color-danger); flex-shrink: 0; }
.risk-box h3 { color: var(--color-danger); font-size: var(--fs-18); margin-bottom: 8px; }
.risk-box p { font-size: var(--fs-14); color: var(--color-text); }

/* ---------- CTA blocks ---------- */
.cta-block {
  border-radius: var(--radius-lg);
  padding: 44px 48px;
  background: linear-gradient(135deg, var(--color-primary), #223a63);
  color: #fff;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-block h3 { color: #fff; font-size: var(--fs-32); margin-bottom: 12px; }
.cta-block p { color: rgba(255,255,255,0.75); max-width: 600px; margin: 0 auto 26px; }
.cta-block .cta-row { margin-bottom: 14px; }
.cta-block .cta-links { display: flex; flex-wrap: wrap; justify-content: center; gap: 20px; margin-top: 6px; }
.cta-block .cta-links a { font-size: var(--fs-14); color: rgba(255,255,255,0.7); display: inline-flex; align-items: center; gap: 6px; }
.cta-block .cta-links a:hover { color: #fff; }
.cta-block .risk-note { font-size: 13px; color: rgba(255,255,255,0.5); max-width: 640px; margin: 18px auto 0; }
.cta-final { padding: 64px 48px; }
.cta-final h3 { font-size: var(--fs-40); }

/* ---------- Author / reviewer ---------- */
.author-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.author-card { display: flex; gap: 18px; }
.author-avatar { width: 64px; height: 64px; border-radius: 50%; flex-shrink: 0; background: var(--color-bg); border: 1px solid var(--color-border); }
.author-card h4 { font-size: var(--fs-16); margin-bottom: 4px; }
.author-card .role { font-size: var(--fs-14); color: var(--color-accent); font-weight: 500; margin-bottom: 8px; }
.author-card p { font-size: var(--fs-14); color: var(--color-text-muted); margin-bottom: 3px; }

/* ---------- FAQ Accordion ---------- */
.accordion-item { border-bottom: 1px solid var(--color-border); }
.accordion-item:first-child { border-top: 1px solid var(--color-border); }
.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 4px;
  background: none;
  border: none;
  text-align: left;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--fs-18);
  color: var(--color-primary);
}
.accordion-trigger svg { width: 20px; height: 20px; flex-shrink: 0; color: var(--color-accent); transition: transform 0.25s ease; }
.accordion-item.open .accordion-trigger svg { transform: rotate(180deg); }
.accordion-panel {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.accordion-panel-inner { padding: 0 4px 22px; color: var(--color-text-muted); font-size: var(--fs-16); }

/* ---------- Lists ---------- */
.policy-list li { padding: 8px 0; display: flex; gap: 10px; font-size: var(--fs-15, 15px); color: var(--color-text-muted); }
.policy-list li svg { width: 16px; height: 16px; color: var(--color-accent); flex-shrink: 0; margin-top: 3px; }

.disclosure-box {
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-accent);
  background: var(--color-surface);
  padding: 26px 30px;
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
}
.disclosure-box.danger { border-left-color: var(--color-danger); }
.disclosure-box h4 { font-size: var(--fs-16); margin-bottom: 10px; display: flex; align-items: center; gap: 8px; }
.disclosure-box h4 svg { width: 18px; height: 18px; color: var(--color-accent); }
.disclosure-box.danger h4 svg { color: var(--color-danger); }
.disclosure-box p { font-size: var(--fs-14); color: var(--color-text-muted); }

/* ---------- Contact ---------- */
.contact-card { max-width: 620px; margin: 0 auto; text-align: center; padding: 36px; }
.contact-meta { display: flex; justify-content: center; gap: 32px; margin-top: 20px; flex-wrap: wrap; }
.contact-meta div { text-align: left; }
.contact-meta .label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-text-muted); margin-bottom: 4px; }
.contact-meta .val { font-family: var(--font-mono); font-size: var(--fs-14); }

/* ---------- Footer ---------- */
.site-footer { background: var(--color-primary-dark); color: rgba(255,255,255,0.7); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand .logo { color: #fff; margin-bottom: 12px; }
.footer-brand p { font-size: var(--fs-14); color: rgba(255,255,255,0.5); max-width: 280px; }
.footer-col h5 { color: #fff; font-size: var(--fs-14); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 18px; }
.footer-col ul li { padding: 7px 0; }
.footer-col a { font-size: var(--fs-14); color: rgba(255,255,255,0.6); }
.footer-col a:hover { color: #fff; }
.footer-bottom { padding: 24px 0 32px; font-size: 13px; color: rgba(255,255,255,0.45); text-align: center; line-height: 1.8; }

/* ---------- Utility ---------- */
.risk-disclaimer-inline { font-size: 13px; color: var(--color-text-muted); font-style: italic; margin-top: 14px; }
.mt-24 { margin-top: 24px; }
.center { text-align: center; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 768px) {
  :root { --header-h: 64px; }
  .nav-menu { display: none; }
  .hamburger { display: flex; }
  .hero { padding-top: calc(var(--header-h) + 40px); }
  .hero h1 { font-size: var(--fs-32); }
  .hero .lede { font-size: var(--fs-16); }
  .hero-illustration { height: 190px; margin-top: 32px; }
  .section-head h2 { font-size: var(--fs-32); }
  .facts-grid { grid-template-columns: 1fr; }
  .pros-cons-grid, .suit-grid { grid-template-columns: 1fr; }
  .two-col { grid-template-columns: 1fr; }
  .reg-tree { grid-template-columns: 1fr; }
  .instrument-grid { grid-template-columns: 1fr 1fr; }
  .stepper { grid-template-columns: 1fr 1fr; }
  .author-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cta-block { padding: 32px 24px; }
  .cta-final h3 { font-size: var(--fs-32); }
  .bar-row { grid-template-columns: 120px 1fr 50px; gap: 10px; }
  .section-pad { padding: 60px 0; }
}
@media (max-width: 480px) {
  .instrument-grid { grid-template-columns: 1fr; }
  .stepper { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .calc-grid { grid-template-columns: 1fr; }
  .contact-meta { flex-direction: column; align-items: center; gap: 16px; }
  .trust-bar { flex-direction: column; align-items: flex-start; padding: 18px 22px; }
  .badge-row { gap: 8px; }
  .hero h1 { font-size: var(--fs-24); }
}