@import url("https://fonts.googleapis.com/css2?family=Source+Serif+4:wght@300;400;600;700&family=Inter:wght@300;400;500;600&display=swap");

:root {
  --ink: #1c1f24;
  --muted: #5a6573;
  --accent: #1e5a91;
  --accent-dark: #17456f;
  --paper: #f6f3ee;
  --sand: #efe7dd;
  --mist: #e7edf3;
  --line: #d7dbe0;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Inter", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

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

a {
  color: var(--accent);
  text-decoration: none;
}

a:hover,
a:focus {
  text-decoration: underline;
}

button {
  font-family: "Inter", sans-serif;
  border: none;
  cursor: pointer;
  padding: 12px 20px;
  border-radius: 999px;
  background: var(--accent);
  color: #fff;
  font-weight: 600;
}

button:hover,
button:focus {
  background: var(--accent-dark);
}

.page {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px 80px;
}

.top-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 24px;
  padding: 24px;
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.brand {
  flex: 1 1 220px;
}

.brand-link {
  font-family: "Source Serif 4", serif;
  font-size: 24px;
  font-weight: 700;
  color: var(--ink);
}

.tagline {
  display: block;
  font-size: 14px;
  color: var(--muted);
}

.menu {
  display: flex;
  flex: 1 1 280px;
  flex-wrap: wrap;
  gap: 14px 18px;
  justify-content: center;
  font-size: 14px;
}

.ad-label {
  flex: 1 1 220px;
  font-size: 12px;
  color: var(--muted);
  text-align: right;
}

.hero {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 36px 0;
  background: var(--mist);
  padding: 28px;
  border-radius: 24px;
}

.hero-visual {
  flex: 1 1 340px;
  min-height: 320px;
  background-color: #c5d3df;
  background-size: cover;
  background-position: center;
  border-radius: 18px;
}

.hero-visual.finance-hero {
  background-image: url("https://images.unsplash.com/photo-1444653614773-995cb1ef9efa?w=1400&q=80");
}

.hero-copy {
  flex: 1 1 320px;
}

.hero-copy h1 {
  font-family: "Source Serif 4", serif;
  font-size: 38px;
  margin: 0 0 12px;
}

.cta-row {
  margin-top: 18px;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.lead {
  font-size: 18px;
  color: var(--muted);
}

.section {
  margin: 48px 0;
}

.section.alt {
  background: var(--sand);
  padding: 32px;
  border-radius: 20px;
}

.section.bg-insight {
  background-color: #c8d4e1;
  background-image: url("https://images.unsplash.com/photo-1500530855697-b586d89ba3ee?w=1400&q=80");
  background-size: cover;
  background-position: center;
  color: #fff;
}

.section.bg-insight .section-title,
.section.bg-insight p,
.section.bg-insight a {
  color: #fff;
}

.split {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

.split.reverse {
  flex-direction: row-reverse;
}

.column {
  flex: 1 1 300px;
}

.image-frame {
  background-color: #d7dde4;
  border-radius: 16px;
  overflow: hidden;
}

.card-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.card {
  flex: 1 1 230px;
  background: #fff;
  border-radius: 16px;
  padding: 18px;
  box-shadow: 0 16px 28px rgba(20, 32, 50, 0.08);
}

.card h3 {
  margin-top: 12px;
  margin-bottom: 8px;
  font-family: "Source Serif 4", serif;
}

.price {
  font-weight: 700;
  color: var(--accent-dark);
}

.meta-list {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 22px;
  font-size: 14px;
  color: var(--muted);
}

.quote {
  border-left: 3px solid var(--accent);
  padding-left: 16px;
  font-style: italic;
  color: var(--muted);
}

.form-wrap {
  background: #fff;
  padding: 26px;
  border-radius: 20px;
  box-shadow: 0 18px 30px rgba(20, 32, 50, 0.1);
}

label {
  display: block;
  font-weight: 600;
  margin-top: 12px;
}

input,
select,
textarea {
  width: 100%;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid var(--line);
  margin-top: 6px;
  font-family: "Inter", sans-serif;
}

.inline-cta {
  font-weight: 600;
}

.sticky-cta {
  position: fixed;
  right: 22px;
  bottom: 22px;
  background: #fff;
  border-radius: 999px;
  box-shadow: 0 16px 32px rgba(20, 32, 50, 0.15);
  padding: 10px;
  display: flex;
  gap: 12px;
  align-items: center;
  z-index: 20;
}

.sticky-cta span {
  font-size: 14px;
  color: var(--muted);
}

.footer {
  border-top: 1px solid var(--line);
  padding: 30px 24px 60px;
  background: #fff;
}

.footer .meta-list {
  justify-content: space-between;
}

.cookie-banner {
  position: fixed;
  left: 24px;
  right: 24px;
  bottom: 24px;
  background: #fff;
  border-radius: 16px;
  padding: 18px 20px;
  box-shadow: 0 16px 30px rgba(20, 32, 50, 0.18);
  display: none;
  z-index: 30;
}

.cookie-banner.visible {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 18px;
  align-items: center;
  justify-content: space-between;
}

.cookie-actions {
  display: flex;
  gap: 10px;
}

.ghost-btn {
  background: transparent;
  border: 1px solid var(--accent);
  color: var(--accent);
}

.legal-hero {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  align-items: center;
}

.legal-hero h1 {
  margin: 0 0 12px;
  font-family: "Source Serif 4", serif;
  font-size: 32px;
}

.legal-hero p {
  color: var(--muted);
}

.simple-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}

.pill {
  background: var(--mist);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 13px;
}

.section-title {
  font-family: "Source Serif 4", serif;
  font-size: 28px;
  margin-bottom: 12px;
}

.no-margin {
  margin: 0;
}

@media (max-width: 880px) {
  .ad-label {
    text-align: left;
  }

  .sticky-cta {
    left: 20px;
    right: 20px;
    justify-content: space-between;
  }
}