/* CONTENT PAGES  —  Insights, Guides, and Complaints */

.cnt-page, .cmp-page {
  --c-blue:    #2244ff;
  --c-blue-h:  #1836e8;
  --c-blue-lt: #eef1ff;
  --c-navy:    #030d2b;
  --c-text:    #0f1628;
  --c-muted:   #5a6481;
  --c-border:  #e2e6f0;
  --c-bg-alt:  #f5f7fb;
  --r:         12px;
  --r-sm:      8px;
  font-family: 'Inter', 'Helvetica Neue', Arial, sans-serif;
  color: var(--c-text);
  background: #fff;
  -webkit-font-smoothing: antialiased;
}
.cnt-page *, .cmp-page *, .cnt-page *::before, .cmp-page *::before,
.cnt-page *::after, .cmp-page *::after { box-sizing: border-box; }
.cnt-page img, .cmp-page img, .cnt-page svg, .cmp-page svg { display: block; max-width: 100%; }
.cnt-page ul, .cmp-page ul { padding: 0; margin: 0; list-style: none; }
.cnt-page a, .cmp-page a { text-decoration: none; color: var(--c-blue); }
.cnt-page a:hover, .cmp-page a:hover { text-decoration: underline; }
.cnt-page .container, .cmp-page .container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* BUTTONS */
.cnt-page .btn, .cmp-page .btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 7px;
  padding: 11px 22px; border-radius: var(--r-sm);
  font-family: inherit; font-weight: 700; font-size: 14px;
  cursor: pointer; transition: background .15s, opacity .15s;
  border: 2px solid transparent; white-space: nowrap; text-decoration: none; line-height: 1;
}
.cnt-page .btn:hover, .cmp-page .btn:hover { text-decoration: none; }
.cnt-page .btn--blue, .cmp-page .btn--blue { background: var(--c-blue); color: #fff; border-color: var(--c-blue); }
.cnt-page .btn--blue:hover, .cmp-page .btn--blue:hover { background: var(--c-blue-h); border-color: var(--c-blue-h); }
.cnt-page .btn--ghost-white, .cmp-page .btn--ghost-white { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.cnt-page .btn--ghost-white:hover, .cmp-page .btn--ghost-white:hover { background: rgba(255,255,255,.1); }
.cnt-page .btn--ghost-blue, .cmp-page .btn--ghost-blue { background: transparent; color: var(--c-blue); border-color: var(--c-blue); }
.cnt-page .btn--ghost-blue:hover, .cmp-page .btn--ghost-blue:hover { background: var(--c-blue); color: #fff; }
.cnt-page .btn--outline-dark, .cmp-page .btn--outline-dark { background: transparent; color: #fff; border-color: rgba(255,255,255,.35); }
.cnt-page .btn--outline-dark:hover, .cmp-page .btn--outline-dark:hover { background: rgba(255,255,255,.08); }
.cnt-page .btn--sm, .cmp-page .btn--sm { padding: 8px 16px; font-size: 13px; }

/* SECTIONS */
.cnt-section { padding: 56px 0; }
.cnt-section--alt { background: var(--c-bg-alt); }
.cnt-section--dark { background: var(--c-navy); color: #fff; }
.cnt-section__head { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 28px; gap: 16px; }
.cnt-section__title { font-family: 'Manrope', sans-serif; font-size: 22px; font-weight: 800; margin: 0; letter-spacing: -.02em; }
.cnt-section__link { font-size: 14px; font-weight: 700; color: var(--c-blue); white-space: nowrap; }
.cnt-section__link:hover { text-decoration: none; opacity: .8; }

/* DARK HERO */
.cnt-hero {
  background: linear-gradient(135deg, #030d2b 0%, #071149 60%, #0a1860 100%);
  padding: 64px 0 56px;
  color: #fff;
  position: relative; overflow: hidden;
}
.cnt-hero__crumb { font-size: 13px; color: rgba(255,255,255,.45); margin-bottom: 20px; }
.cnt-hero__crumb a { color: rgba(255,255,255,.45); }
.cnt-hero__crumb a:hover { color: rgba(255,255,255,.8); text-decoration: none; }
.cnt-hero__crumb-sep { margin: 0 7px; }
.cnt-hero__eyebrow { font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--c-blue); margin-bottom: 12px; }
.cnt-hero__title { font-family: 'Manrope', sans-serif; font-size: 44px; font-weight: 800; line-height: 1.1; letter-spacing: -.03em; margin: 0 0 14px; max-width: 580px; }
.cnt-hero__sub { font-size: 16px; color: rgba(255,255,255,.7); line-height: 1.65; max-width: 520px; margin: 0 0 32px; }
.cnt-search { display: flex; align-items: center; gap: 10px; background: #fff; border-radius: var(--r-sm); padding: 0 16px; max-width: 440px; box-shadow: 0 4px 20px rgba(0,0,0,.2); }
.cnt-search input { flex: 1; border: none; outline: none; font-size: 15px; padding: 14px 0; color: var(--c-text); background: transparent; font-family: inherit; }
.cnt-search input::placeholder { color: var(--c-muted); }
.cnt-search svg { color: var(--c-muted); flex-shrink: 0; }

/* TOPICS BAR */
.topics-bar { background: #fff; border-bottom: 1px solid var(--c-border); }
.topics-bar__inner { display: flex; align-items: center; gap: 8px; padding: 14px 0; flex-wrap: wrap; }
.topics-bar__label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--c-muted); white-space: nowrap; padding-right: 4px; }
.topic-chip { display: inline-flex; align-items: center; gap: 6px; padding: 6px 14px; border: 1px solid var(--c-border); border-radius: 999px; font-size: 13px; font-weight: 500; color: var(--c-text); background: #fff; cursor: pointer; transition: all .15s; white-space: nowrap; }
.topic-chip:hover { border-color: var(--c-blue); color: var(--c-blue); text-decoration: none; }
.topic-chip svg { color: var(--c-blue); flex-shrink: 0; }

/* FEATURED GRID */
.featured-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; }
.art-card { border-radius: var(--r); overflow: hidden; display: flex; flex-direction: column; transition: transform .15s, box-shadow .15s; }
.art-card:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(3,13,43,.12); text-decoration: none; }
.art-card--dark { background: linear-gradient(150deg, #071149 0%, #030d2b 100%); color: #fff; padding: 28px; min-height: 250px; }
.art-card--light { background: #fff; border: 1px solid var(--c-border); padding: 24px; }
.art-card__badge { display: inline-block; font-size: 10px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 3px 9px; border-radius: 4px; margin-bottom: 14px; }
.art-card--dark .art-card__badge { background: rgba(34,68,255,.25); color: #8ba3ff; border: 1px solid rgba(34,68,255,.35); }
.art-card--light .art-card__badge { background: var(--c-blue-lt); color: var(--c-blue); }
.art-card__title { font-family: 'Manrope', sans-serif; font-size: 19px; font-weight: 800; line-height: 1.25; letter-spacing: -.02em; margin: 0 0 10px; flex: 1; }
.art-card--dark .art-card__title { color: #fff; }
.art-card--light .art-card__title { color: var(--c-text); }
.art-card__desc { font-size: 13.5px; line-height: 1.6; margin-bottom: 18px; }
.art-card--dark .art-card__desc { color: rgba(255,255,255,.65); }
.art-card--light .art-card__desc { color: var(--c-muted); }
.art-card__meta { font-size: 12px; display: flex; align-items: center; gap: 6px; margin-top: auto; }
.art-card--dark .art-card__meta { color: rgba(255,255,255,.4); }
.art-card--light .art-card__meta { color: var(--c-muted); }
.art-card__meta-sep { width: 3px; height: 3px; border-radius: 50%; background: currentColor; flex-shrink: 0; }

/* TWO-COLUMN LAYOUT */
.cnt-two-col { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; }

/* ARTICLE LIST */
.art-list-head { display: flex; align-items: center; gap: 16px; margin-bottom: 20px; flex-wrap: wrap; }
.art-list-head h2 { font-family: 'Manrope', sans-serif; font-size: 22px; font-weight: 800; margin: 0; margin-right: auto; }
.art-list-filter { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--c-muted); }
.art-list-select { border: 1px solid var(--c-border); border-radius: 6px; padding: 6px 10px; font-size: 13px; color: var(--c-text); background: #fff; }
.art-item { display: grid; grid-template-columns: 76px 1fr 24px; gap: 16px; align-items: start; padding: 20px 0; border-bottom: 1px solid var(--c-border); }
.art-item:first-of-type { border-top: 1px solid var(--c-border); }
.art-item__thumb { width: 76px; height: 62px; border-radius: var(--r-sm); background: var(--c-bg-alt); display: flex; align-items: center; justify-content: center; color: var(--c-muted); flex-shrink: 0; overflow: hidden; }
.art-item__cat { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--c-blue); margin-bottom: 3px; }
.art-item__title { font-size: 15px; font-weight: 700; color: var(--c-text); line-height: 1.35; margin-bottom: 5px; }
.art-item__desc { font-size: 13px; color: var(--c-muted); line-height: 1.5; }
.art-item__meta { font-size: 12px; color: var(--c-muted); margin-top: 5px; }
.art-item__arrow { color: var(--c-blue); margin-top: 20px; flex-shrink: 0; }

/* SIDEBAR BOXES */
.sidebar-box { border: 1px solid var(--c-border); border-radius: var(--r); padding: 20px; margin-bottom: 20px; }
.sidebar-sticky { position: sticky; top: 90px; }
.sidebar-box__title { font-size: 15px; font-weight: 700; color: var(--c-text); margin: 0 0 12px; display: flex; align-items: center; gap: 8px; }
.sidebar-box__title svg { color: var(--c-blue); }
.sidebar-box__body { font-size: 13px; color: var(--c-muted); line-height: 1.6; margin-bottom: 14px; }
.sidebar-box__link { font-size: 13px; font-weight: 700; color: var(--c-blue); }
.sidebar-box__link:hover { text-decoration: none; opacity: .8; }

/* Popular topics */
.pop-topics li { display: flex; align-items: center; gap: 8px; padding: 8px 0; border-bottom: 1px solid var(--c-border); font-size: 13px; }
.pop-topics li:last-child { border-bottom: 0; padding-bottom: 0; }
.pop-topics li a { color: var(--c-text); font-weight: 500; flex: 1; }
.pop-topics li a:hover { color: var(--c-blue); text-decoration: none; }
.pop-topics__icon { color: var(--c-blue); flex-shrink: 0; }
.pop-topics__count { font-size: 11px; color: var(--c-muted); background: var(--c-bg-alt); padding: 2px 7px; border-radius: 10px; margin-left: auto; }

/* Newsletter mini form */
.nl-form { display: flex; flex-direction: column; gap: 10px; }
.nl-form input { border: 1px solid var(--c-border); border-radius: 6px; padding: 10px 14px; font-size: 13px; color: var(--c-text); width: 100%; font-family: inherit; }
.nl-form input::placeholder { color: var(--c-muted); }
.nl-form input:focus { outline: none; border-color: var(--c-blue); }
.nl-form__note { font-size: 11px; color: var(--c-muted); line-height: 1.5; }

/* TRUST ROW (4-col) */
.trust-row-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.trust-item-4 { text-align: center; }
.trust-item-4__icon { width: 44px; height: 44px; background: var(--c-bg-alt); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--c-blue); margin: 0 auto 12px; }
.trust-item-4__title { font-size: 14px; font-weight: 700; color: var(--c-text); margin-bottom: 5px; }
.trust-item-4__sub { font-size: 12.5px; color: var(--c-muted); line-height: 1.5; }

/* CTA BANNER (wide) */
.cnt-cta-banner { background: var(--c-navy); padding: 40px 0; }
.cnt-cta-banner__inner { display: flex; align-items: center; gap: 24px; justify-content: space-between; flex-wrap: wrap; }
.cnt-cta-banner__left { display: flex; align-items: center; gap: 18px; }
.cnt-cta-banner__icon { width: 52px; height: 52px; background: rgba(34,68,255,.2); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #8ba3ff; flex-shrink: 0; }
.cnt-cta-banner__title { font-family: 'Manrope', sans-serif; font-size: 20px; font-weight: 800; color: #fff; margin: 0 0 4px; letter-spacing: -.02em; }
.cnt-cta-banner__sub { font-size: 13.5px; color: rgba(255,255,255,.6); margin: 0; }
.cnt-cta-banner__btns { display: flex; gap: 12px; flex-shrink: 0; }

/* ARTICLE PAGE */
.art-page { padding: 80px 0 64px; }  /* 80px clears the fixed-top navbar (~56px) + breathing room */
.art-page__layout { display: grid; grid-template-columns: 1fr 300px; gap: 56px; align-items: start; }
.art-page__crumb { font-size: 13px; color: var(--c-muted); margin-bottom: 18px; }
.art-page__crumb a { color: var(--c-muted); }
.art-page__crumb a:hover { color: var(--c-text); text-decoration: none; }
.art-page__crumb span { margin: 0 6px; }
.art-page__cat { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--c-blue); margin-bottom: 10px; }
.art-page__title { font-family: 'Manrope', sans-serif; font-size: 38px; font-weight: 800; line-height: 1.1; letter-spacing: -.03em; margin: 0 0 16px; color: var(--c-text); }
.art-page__intro { font-size: 17px; color: var(--c-muted); line-height: 1.65; margin-bottom: 20px; }
.art-page__byline { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; font-size: 13px; color: var(--c-muted); padding: 14px 0; border-top: 1px solid var(--c-border); border-bottom: 1px solid var(--c-border); margin-bottom: 28px; }
.art-page__byline-item { display: flex; align-items: center; gap: 6px; }
.art-page__byline-item svg { color: var(--c-blue); }
.art-page__img { width: 100%; border-radius: var(--r); background: linear-gradient(135deg, #071149, #030d2b); height: 300px; display: flex; align-items: center; justify-content: center; margin-bottom: 32px; overflow: hidden; }
.art-page__img svg { opacity: .25; }

/* Article body */
.art-body { font-size: 15px; line-height: 1.75; color: var(--c-text); }
.art-body h2 { font-family: 'Manrope', sans-serif; font-size: 24px; font-weight: 800; letter-spacing: -.02em; color: var(--c-text); margin: 36px 0 14px; }
.art-body p { margin: 0 0 18px; }
.art-body ul { margin: 0 0 18px; }
.art-body ul li { padding: 5px 0 5px 0; color: var(--c-muted); font-size: 14px; line-height: 1.6; }
.art-body ul li::before { content: none; }

/* Takeaway box */
.art-takeaway { background: var(--c-blue-lt); border: 1px solid #c7d0ff; border-radius: var(--r); padding: 18px 20px; margin: 24px 0; display: flex; gap: 14px; align-items: flex-start; }
.art-takeaway__icon { width: 32px; height: 32px; background: var(--c-blue); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; flex-shrink: 0; margin-top: 1px; }
.art-takeaway__title { font-size: 13px; font-weight: 700; color: var(--c-text); margin-bottom: 5px; }
.art-takeaway__body { font-size: 13.5px; color: var(--c-muted); line-height: 1.55; margin: 0; }

/* Checked list */
.art-check-list li { display: flex; align-items: flex-start; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--c-border); }
.art-check-list li:last-child { border-bottom: 0; }
.art-check-list li strong { font-size: 14px; font-weight: 700; color: var(--c-text); display: block; }
.art-check-list li p { margin: 2px 0 0; font-size: 13px; color: var(--c-muted); }
.art-chk { width: 20px; height: 20px; background: var(--c-blue-lt); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; }
.art-chk svg { color: var(--c-blue); }

/* Advice box */
.art-advice { background: var(--c-bg-alt); border-left: 3px solid var(--c-blue); border-radius: 0 var(--r-sm) var(--r-sm) 0; padding: 16px 20px; margin: 24px 0; display: flex; gap: 14px; align-items: flex-start; }
.art-advice__icon { color: var(--c-blue); flex-shrink: 0; margin-top: 2px; }
.art-advice__title { font-size: 13px; font-weight: 700; color: var(--c-text); margin-bottom: 4px; }
.art-advice__body { font-size: 13px; color: var(--c-muted); line-height: 1.55; margin: 0; }

/* Share / helpful bar */
.art-share { display: flex; align-items: center; gap: 10px; padding: 18px 0; border-top: 1px solid var(--c-border); margin-top: 32px; flex-wrap: wrap; }
.art-helpful { display: flex; align-items: center; gap: 8px; margin-right: auto; }
.art-helpful__label { font-size: 13px; color: var(--c-muted); }
.art-helpful__btn { border: 1px solid var(--c-border); border-radius: 6px; padding: 6px 14px; font-size: 13px; font-weight: 600; color: var(--c-text); cursor: pointer; background: #fff; display: inline-flex; align-items: center; gap: 5px; }
.art-helpful__btn:hover { border-color: var(--c-blue); color: var(--c-blue); }
.art-share__label { font-size: 13px; color: var(--c-muted); }
.share-btn { width: 34px; height: 34px; border: 1px solid var(--c-border); border-radius: 6px; display: inline-flex; align-items: center; justify-content: center; color: var(--c-muted); background: #fff; cursor: pointer; transition: all .15s; }
.share-btn:hover { border-color: var(--c-blue); color: var(--c-blue); }

/* TOC sidebar */
.toc-list li { display: flex; align-items: flex-start; gap: 10px; padding: 8px 0; border-bottom: 1px solid var(--c-border); }
.toc-list li:last-child { border-bottom: 0; padding-bottom: 0; }
.toc-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--c-border); flex-shrink: 0; margin-top: 4px; }
.toc-dot--active { background: var(--c-blue); }
.toc-list a { font-size: 13px; color: var(--c-muted); line-height: 1.4; }
.toc-list a.active { color: var(--c-blue); font-weight: 600; }
.toc-list a:hover { color: var(--c-blue); text-decoration: none; }

/* Related items */
.rel-list { display: flex; flex-direction: column; gap: 16px; }
.rel-item { display: grid; grid-template-columns: 64px 1fr; gap: 12px; align-items: start; }
.rel-item__thumb { width: 64px; height: 52px; border-radius: var(--r-sm); background: linear-gradient(135deg, #071149, #030d2b); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.rel-item__cat { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--c-blue); margin-bottom: 3px; }
.rel-item__title { font-size: 13px; font-weight: 700; color: var(--c-text); line-height: 1.35; }
.rel-item__meta { font-size: 11px; color: var(--c-muted); margin-top: 3px; }
.rel-item a:hover .rel-item__title { color: var(--c-blue); text-decoration: none; }

/* Sidebar CTA box */
.sidebar-cta { border: 1px solid var(--c-border); border-radius: var(--r); padding: 20px; background: var(--c-bg-alt); }
.sidebar-cta__title { font-family: 'Manrope', sans-serif; font-size: 16px; font-weight: 800; color: var(--c-text); margin: 0 0 8px; }
.sidebar-cta__body { font-size: 13px; color: var(--c-muted); line-height: 1.6; margin-bottom: 14px; }
.sidebar-cta__checks { margin-bottom: 18px; }
.sidebar-cta__check { display: flex; align-items: center; gap: 7px; font-size: 13px; color: var(--c-muted); padding: 3px 0; }
.sidebar-cta__check svg { color: var(--c-blue); flex-shrink: 0; }

/* GUIDES HUB */
.topic-explore { display: grid; grid-template-columns: repeat(6, 1fr); gap: 16px; }
.topic-exp-card { border: 1px solid var(--c-border); border-radius: var(--r); padding: 20px 14px 16px; text-align: center; cursor: pointer; transition: all .15s; display: flex; flex-direction: column; align-items: center; }
.topic-exp-card:hover { border-color: var(--c-blue); box-shadow: 0 4px 14px rgba(34,68,255,.1); text-decoration: none; }
.topic-exp-card__icon { color: var(--c-blue); margin-bottom: 10px; }
.topic-exp-card__name { font-size: 13px; font-weight: 700; color: var(--c-text); line-height: 1.3; margin-bottom: 5px; }
.topic-exp-card__sub { font-size: 11px; color: var(--c-muted); line-height: 1.4; }

.guide-pop-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.guide-pop-card { border: 1px solid var(--c-border); border-radius: var(--r); overflow: hidden; display: flex; flex-direction: column; transition: box-shadow .15s; }
.guide-pop-card:hover { box-shadow: 0 6px 22px rgba(3,13,43,.1); text-decoration: none; }
.guide-pop-card__img { height: 140px; background: linear-gradient(135deg, #071149, #030d2b); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.guide-pop-card__body { padding: 18px; flex: 1; display: flex; flex-direction: column; }
.guide-pop-card__cat { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--c-blue); margin-bottom: 8px; }
.guide-pop-card__title { font-family: 'Manrope', sans-serif; font-size: 15px; font-weight: 700; color: var(--c-text); line-height: 1.35; margin: 0 0 12px; flex: 1; }
.guide-pop-card:hover .guide-pop-card__title { color: var(--c-blue); }
.guide-pop-card__meta { display: flex; align-items: center; gap: 14px; font-size: 12px; color: var(--c-muted); flex-wrap: wrap; }
.guide-pop-card__meta-item { display: flex; align-items: center; gap: 5px; }
.guide-pop-card__meta-item svg { color: var(--c-blue); }

.guide-indepth { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-top: 1px solid var(--c-border); }
.guide-link-item { display: flex; align-items: flex-start; gap: 12px; padding: 16px 0; border-bottom: 1px solid var(--c-border); transition: background .12s; }
.guide-link-item:nth-child(odd) { padding-right: 40px; }
.guide-link-item:nth-child(even) { padding-left: 40px; border-left: 1px solid var(--c-border); }
.guide-link-item:hover { text-decoration: none; }
.guide-link-item:hover .guide-link-item__title { color: var(--c-blue); }
.guide-link-item__icon { color: var(--c-blue); flex-shrink: 0; margin-top: 2px; }
.guide-link-item__body { flex: 1; }
.guide-link-item__title { font-size: 14px; font-weight: 700; color: var(--c-text); line-height: 1.4; }
.guide-link-item__sub { font-size: 12px; color: var(--c-muted); margin-top: 3px; }
.guide-link-item__arrow { color: var(--c-blue); flex-shrink: 0; margin-top: 2px; }

/* Trust row 3-col */
.trust-row-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.trust-item-3__title { font-size: 15px; font-weight: 700; color: var(--c-text); margin-bottom: 8px; }
.trust-item-3__sub { font-size: 13px; color: var(--c-muted); line-height: 1.6; margin-bottom: 8px; }
.trust-item-3__link { font-size: 13px; font-weight: 700; color: var(--c-blue); }
.trust-item-3__link:hover { text-decoration: none; opacity: .8; }

/* Newsletter full-width */
.nl-cta { background: var(--c-navy); padding: 56px 0; }
.nl-cta__inner { display: flex; align-items: center; gap: 64px; }
.nl-cta__left { flex: 1; }
.nl-cta__title { font-family: 'Manrope', sans-serif; font-size: 26px; font-weight: 800; color: #fff; margin: 0 0 8px; letter-spacing: -.02em; }
.nl-cta__sub { font-size: 15px; color: rgba(255,255,255,.6); margin: 0; }
.nl-cta__right { min-width: 340px; display: flex; flex-direction: column; gap: 10px; }
.nl-cta__form { display: flex; gap: 10px; }
.nl-cta__input { flex: 1; border: none; border-radius: 6px; padding: 12px 16px; font-size: 14px; font-family: inherit; }
.nl-cta__note { font-size: 12px; color: rgba(255,255,255,.35); }

/* COMPLAINTS PAGE */
.cmp-hero { background: #fff; border-bottom: 1px solid var(--c-border); padding: 48px 0 44px; }
.cmp-hero__grid { display: grid; grid-template-columns: 1fr 360px; gap: 48px; align-items: center; }
.cmp-hero__crumb { font-size: 13px; color: var(--c-muted); margin-bottom: 16px; }
.cmp-hero__crumb a { color: var(--c-muted); }
.cmp-hero__crumb a:hover { color: var(--c-text); text-decoration: none; }
.cmp-hero__crumb-sep { margin: 0 6px; }
.cmp-hero__title { font-family: 'Manrope', sans-serif; font-size: 42px; font-weight: 800; letter-spacing: -.03em; color: var(--c-text); margin: 0 0 14px; }
.cmp-hero__sub { font-size: 16px; color: var(--c-muted); line-height: 1.65; margin: 0 0 24px; max-width: 520px; }
.cmp-commitment { background: var(--c-bg-alt); border: 1px solid var(--c-border); border-radius: var(--r); padding: 18px 20px; display: flex; gap: 14px; align-items: flex-start; }
.cmp-commitment__icon { width: 36px; height: 36px; background: var(--c-blue-lt); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--c-blue); flex-shrink: 0; }
.cmp-commitment__title { font-size: 13px; font-weight: 700; color: var(--c-text); margin-bottom: 4px; }
.cmp-commitment__body { font-size: 13px; color: var(--c-muted); line-height: 1.55; margin: 0; }
.cmp-hero__img { border-radius: var(--r); background: linear-gradient(135deg, #071149, #0d1f5c); height: 280px; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.15); overflow: hidden; }

.cmp-section { padding: 52px 0; }
.cmp-section--alt { background: var(--c-bg-alt); }
.cmp-section__title { font-family: 'Manrope', sans-serif; font-size: 28px; font-weight: 800; letter-spacing: -.02em; color: var(--c-text); margin: 0 0 8px; }
.cmp-section__sub { font-size: 15px; color: var(--c-muted); margin: 0 0 28px; line-height: 1.6; }

/* Contact method cards */
.contact-methods { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.contact-card { border: 1px solid var(--c-border); border-radius: var(--r); padding: 26px; background: #fff; }
.contact-card__label { display: flex; align-items: center; gap: 8px; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--c-muted); margin-bottom: 12px; }
.contact-card__label svg { color: var(--c-blue); }
.contact-card__value { font-size: 16px; font-weight: 700; color: var(--c-blue); margin-bottom: 10px; line-height: 1.3; }
.contact-card__note { font-size: 13px; color: var(--c-muted); line-height: 1.55; }

/* Process steps */
.process-layout { display: grid; grid-template-columns: 1fr 36px 1fr 36px 1fr 36px 1fr; align-items: start; gap: 0; }
.process-step { text-align: center; padding: 0 8px; }
.process-step__icon { width: 58px; height: 58px; background: #fff; border: 2px solid var(--c-border); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--c-blue); margin: 0 auto 14px; }
.process-step__num { font-size: 12px; font-weight: 700; color: var(--c-blue); margin-bottom: 4px; text-transform: uppercase; letter-spacing: .04em; }
.process-step__title { font-size: 16px; font-weight: 700; color: var(--c-text); margin-bottom: 8px; }
.process-step__desc { font-size: 13px; color: var(--c-muted); line-height: 1.55; }
.process-arrow { display: flex; align-items: center; justify-content: center; padding-top: 20px; color: var(--c-muted); }

/* FOS / Helpful section */
.fos-layout { display: grid; grid-template-columns: 1fr 280px; gap: 32px; align-items: start; }
.fos-box { border: 1px solid var(--c-border); border-radius: var(--r); padding: 24px; background: #fff; display: flex; gap: 16px; align-items: flex-start; }
.fos-logo { width: 80px; height: 60px; background: var(--c-bg-alt); border-radius: 8px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 3px; flex-shrink: 0; padding: 8px; }
.fos-logo__text { font-size: 8px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--c-muted); text-align: center; line-height: 1.3; }
.fos-box__title { font-size: 14px; font-weight: 700; color: var(--c-text); margin-bottom: 8px; }
.fos-box__body { font-size: 13px; color: var(--c-muted); line-height: 1.6; margin: 0 0 12px; }
.fos-box__link { font-size: 13px; font-weight: 700; color: var(--c-blue); display: inline-flex; align-items: center; gap: 5px; }
.fos-box__link:hover { text-decoration: none; opacity: .8; }
.helpful-box { border: 1px solid var(--c-border); border-radius: var(--r); padding: 20px; position: sticky; top: 90px; }
.helpful-box__title { font-size: 15px; font-weight: 700; color: var(--c-text); margin: 0 0 14px; }
.helpful-link { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--c-blue); padding: 10px 0; border-bottom: 1px solid var(--c-border); }
.helpful-link:last-child { border-bottom: 0; padding-bottom: 0; }
.helpful-link:hover { text-decoration: none; opacity: .8; }
.helpful-link svg { flex-shrink: 0; }

.cmp-important { list-style: none; margin: 0; padding: 0; }
.cmp-important li { font-size: 14px; color: var(--c-muted); padding: 6px 0 6px 18px; position: relative; line-height: 1.5; }
.cmp-important li::before { content: "•"; position: absolute; left: 0; color: var(--c-blue); font-weight: 700; }

/* Complaints CTA banner */
.cmp-cta { background: var(--c-navy); padding: 40px 0; }
.cmp-cta__inner { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.cmp-cta__icon { width: 52px; height: 52px; background: rgba(34,68,255,.2); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #8ba3ff; flex-shrink: 0; }
.cmp-cta__text { flex: 1; }
.cmp-cta__title { font-family: 'Manrope', sans-serif; font-size: 20px; font-weight: 800; color: #fff; margin: 0 0 4px; letter-spacing: -.02em; }
.cmp-cta__sub { font-size: 13.5px; color: rgba(255,255,255,.6); margin: 0; }
.cmp-cta__btns { display: flex; gap: 12px; flex-shrink: 0; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .topic-explore { grid-template-columns: repeat(3, 1fr); }
  .guide-pop-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-row-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .cnt-two-col { grid-template-columns: 1fr; }
  .art-page__layout { grid-template-columns: 1fr; }
  .cnt-hero__title { font-size: 32px; }
  .featured-grid { grid-template-columns: 1fr; }
  .guide-indepth { grid-template-columns: 1fr; }
  .guide-link-item:nth-child(even) { padding-left: 0; border-left: none; }
  .contact-methods { grid-template-columns: 1fr; }
  .process-layout { grid-template-columns: 1fr 1fr; }
  .process-arrow { display: none; }
  .fos-layout { grid-template-columns: 1fr; }
  .nl-cta__inner { flex-direction: column; gap: 32px; }
  .nl-cta__right { min-width: 100%; }
  .cmp-hero__grid { grid-template-columns: 1fr; }
  .cmp-hero__img { display: none; }
  .cnt-cta-banner__inner { flex-direction: column; text-align: center; }
  .cmp-cta__inner { flex-direction: column; text-align: center; }
}
@media (max-width: 640px) {
  .trust-row-4 { grid-template-columns: 1fr 1fr; }
  .trust-row-3 { grid-template-columns: 1fr; }
  .process-layout { grid-template-columns: 1fr; }
  .art-item { grid-template-columns: 1fr; }
  .topic-explore { grid-template-columns: repeat(2, 1fr); }
  .guide-pop-grid { grid-template-columns: 1fr; }
  .cnt-cta-banner__btns { flex-direction: column; width: 100%; }
  .cmp-cta__btns { flex-direction: column; }
}