:root{
  --blue:#0b4fd4; --blue-dark:#083a9c; --blue-light:#eaf1ff;
  --green:#0f9d58; --amber:#f5a623; --ink:#1a2333; --muted:#5b6678;
  --line:#e4e8f0; --bg:#ffffff; --bg-soft:#f6f8fc; --radius:14px;
  --shadow:0 6px 24px rgba(16,35,80,.08);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16.5px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.container{max-width:1120px;margin:0 auto;padding:0 20px}
/* Header — deliberately WHITE so a dark transparent logo stays visible */
.topbar{background:var(--blue-dark);color:#fff;font-size:13.5px;text-align:center;padding:7px 12px}
.topbar a{color:#ffd766;font-weight:600}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;box-shadow:0 1px 0 rgba(0,0,0,.02)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:var(--ink)}
.brand img{height:44px;width:auto;display:block}
.brand .brand-text{white-space:nowrap}
.brand:hover{text-decoration:none}
nav.menu{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
nav.menu a{color:var(--ink);font-weight:600;font-size:15px}
nav.menu a:hover{color:var(--blue);text-decoration:none}
.btn{display:inline-block;background:var(--blue);color:#fff !important;font-weight:700;padding:12px 24px;border-radius:10px;text-decoration:none !important;transition:.15s;border:none;cursor:pointer;font-size:16px}
.btn:hover{background:var(--blue-dark);transform:translateY(-1px)}
.btn.big{padding:16px 34px;font-size:18px}
.btn.green{background:var(--green)}
.btn.green:hover{background:#0b7f46}
.btn.ghost{background:#fff;color:var(--blue) !important;border:2px solid var(--blue)}
.btn.ghost:hover{background:var(--blue-light)}
.nav .btn{padding:10px 18px;font-size:15px}
/* Hero — dark business hero. Drop your own photo at /assets/hero.jpg and it
   blends automatically under the navy overlay; if the file is missing the
   gradient alone is shown, so nothing ever breaks. */
.hero{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(140deg,#0c1c40 0%,#0b3a9c 60%,#0b4fd4 100%);padding:76px 0 66px;text-align:center;color:#fff}
.hero::before{content:"";position:absolute;inset:0;background-image:url('/assets/hero.jpg');background-size:cover;background-position:center;z-index:-2}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(140deg,rgba(9,20,52,.93) 0%,rgba(9,38,105,.84) 55%,rgba(11,79,212,.72) 100%);z-index:-1}
.hero h1{font-size:clamp(28px,4.4vw,46px);line-height:1.15;font-weight:800;max-width:880px;margin:0 auto 16px;color:#fff;text-shadow:0 2px 18px rgba(0,0,0,.35)}
.hero p.sub{font-size:19px;color:rgba(255,255,255,.88);max-width:720px;margin:0 auto 26px}
.hero .badges{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-top:26px;font-size:14.5px;color:rgba(255,255,255,.85);font-weight:600}
.hero .badges span::before{content:"✓ ";color:#5ee79a;font-weight:800}
.updated{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:6px 16px;font-size:13.5px;color:#fff;margin-bottom:18px;font-weight:600;backdrop-filter:blur(4px)}
/* Rank cards */
.rank-list{padding:48px 0}
.rank-card{display:grid;grid-template-columns:190px 1fr 250px;gap:26px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin-bottom:22px;box-shadow:var(--shadow);position:relative}
.rank-card.winner{border:2px solid var(--blue);background:linear-gradient(180deg,#fff 0%,#f4f8ff 100%);box-shadow:0 10px 34px rgba(11,79,212,.16)}
.rank-num{position:absolute;top:-14px;left:-12px;background:var(--ink);color:#fff;width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:17px}
.rank-card.winner .rank-num{background:var(--blue)}
.ribbon{position:absolute;top:-14px;left:44px;background:var(--amber);color:#3d2b00;font-weight:800;font-size:13px;padding:6px 16px;border-radius:999px;letter-spacing:.4px;text-transform:uppercase}
.rc-logo{text-align:center}
.rc-logo .logobox{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:18px 12px;font-weight:800;font-size:21px;color:var(--ink);min-height:76px;display:flex;align-items:center;justify-content:center}
.rc-logo .logobox img{max-height:42px;max-width:150px;width:auto;display:block}
.rc-logo .score{margin-top:10px;font-weight:800;font-size:15px;color:var(--ink)}
.stars{color:#f5a623;font-size:17px;letter-spacing:2px}
.rc-body h3{font-size:22px;margin-bottom:6px}
.rc-body h3 a{color:var(--ink)}
.rc-body p.tag{color:var(--muted);font-size:15px;margin-bottom:10px}
.rc-body ul{list-style:none;margin:0}
.rc-body ul li{padding-left:24px;position:relative;font-size:15px;margin-bottom:4px}
.rc-body ul li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:800}
.rc-cta{text-align:center;display:flex;flex-direction:column;gap:10px}
.rc-cta .note{font-size:12.5px;color:var(--muted)}
.rc-cta .review-link{font-size:14.5px;font-weight:600}
/* Tables */
.tablewrap{overflow-x:auto;margin:26px 0}
table.cmp{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:15px;min-width:760px}
table.cmp th{background:var(--ink);color:#fff;padding:14px 12px;text-align:left;font-size:14px}
table.cmp td{padding:13px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.cmp tr.hl td{background:var(--blue-light);font-weight:600}
table.cmp tr:last-child td{border-bottom:none}
.yes{color:var(--green);font-weight:700}.no{color:#c0392b;font-weight:700}
/* Sections & prose */
.section{padding:48px 0}
.section.alt{background:var(--bg-soft)}
.section h2{font-size:clamp(24px,3vw,32px);margin-bottom:14px}
.section .lead{color:var(--muted);font-size:17.5px;max-width:780px;margin-bottom:24px}
.prose{max-width:820px;margin:0 auto}
.prose h1{font-size:clamp(28px,3.6vw,40px);line-height:1.2;margin-bottom:14px}
.prose h2{font-size:26px;margin:36px 0 12px}
.prose h3{font-size:20px;margin:26px 0 10px}
.prose p{margin-bottom:16px}
.prose ul,.prose ol{margin:0 0 16px 24px}
.prose li{margin-bottom:6px}
.meta{color:var(--muted);font-size:14.5px;margin-bottom:22px}
.disclosure{background:#fffaf0;border:1px solid #f1e2bd;border-radius:10px;padding:12px 16px;font-size:13.5px;color:#6b5a2a;margin:18px 0}
blockquote.verdict{border-left:4px solid var(--blue);background:var(--blue-light);padding:18px 22px;border-radius:0 12px 12px 0;margin:22px 0;font-size:17px}
/* Pros cons */
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:22px 0}
.proscons>div{border-radius:12px;padding:20px 22px;border:1px solid var(--line)}
.pros{background:#f0faf4}.cons{background:#fdf3f2}
.proscons h4{margin-bottom:10px;font-size:16px}
.proscons ul{list-style:none;margin:0}
.proscons li{padding-left:24px;position:relative;margin-bottom:7px;font-size:15px}
.pros li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:800}
.cons li::before{content:"✕";position:absolute;left:0;color:#c0392b;font-weight:800}
/* CTA banner */
.ctabanner{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%);border-radius:var(--radius);color:#fff;padding:38px 34px;text-align:center;margin:34px 0}
.ctabanner h3{font-size:26px;margin-bottom:8px}
.ctabanner p{opacity:.92;margin-bottom:20px;font-size:16.5px}
.ctabanner .btn{background:#fff;color:var(--blue) !important}
.ctabanner .btn:hover{background:var(--blue-light)}
/* Cards grid */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.gcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.gcard h3{font-size:18px;margin-bottom:8px}
.gcard h3 a{color:var(--ink)}
.gcard p{font-size:15px;color:var(--muted)}
.gcard .more{font-weight:700;font-size:14.5px}
/* FAQ */
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 20px}
details.faq summary{font-weight:700;padding:16px 0;cursor:pointer;font-size:16.5px;list-style:none;position:relative;padding-right:30px}
details.faq summary::after{content:"+";position:absolute;right:2px;top:12px;font-size:22px;color:var(--blue)}
details.faq[open] summary::after{content:"–"}
details.faq p{padding-bottom:16px;color:var(--muted)}
/* Sticky mobile CTA */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:10px 14px;display:none;z-index:60;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
.sticky-cta .inner{display:flex;align-items:center;justify-content:space-between;gap:12px;max-width:640px;margin:0 auto}
.sticky-cta .t{font-size:14px;font-weight:700}
.sticky-cta .t small{display:block;font-weight:400;color:var(--muted);font-size:12px}
/* Footer */
footer.site{background:var(--ink);color:#c6ccd8;padding:48px 0 28px;margin-top:56px;font-size:14.5px}
footer.site h4{color:#fff;font-size:15px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.5px}
footer.site a{color:#c6ccd8}
footer.site a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px;margin-bottom:30px}
.fgrid ul{list-style:none}
.fgrid li{margin-bottom:8px}
.fbottom{border-top:1px solid #2c3648;padding-top:20px;font-size:13px;color:#8b94a6}
.fbottom p{margin-bottom:8px}
/* Breadcrumbs */
.crumbs{font-size:13.5px;color:var(--muted);padding:16px 0 0}
.crumbs a{color:var(--muted)}
/* Forms */
form.contact{max-width:560px}
form.contact label{display:block;font-weight:700;font-size:14.5px;margin:16px 0 6px}
form.contact input,form.contact textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-size:15.5px;font-family:inherit}
form.contact textarea{min-height:140px}
/* Cookie consent banner */
#cc{display:none;position:fixed;left:16px;bottom:16px;max-width:420px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 40px rgba(0,0,0,.18);padding:20px 22px;z-index:100;font-size:14px}
#cc p{margin-bottom:14px;color:var(--muted)}
#cc .cc-btns{display:flex;gap:10px}
#cc .btn{padding:9px 18px;font-size:14px}
#cc .btn.ghost{border-width:1px}
@media(max-width:600px){#cc{left:10px;right:10px;bottom:84px;max-width:none}}
/* Provider logo on review pages */
.review-logo{max-height:56px;width:auto;margin-bottom:14px;display:block}
/* EUR pricing note */
.eur-note{font-size:13.5px;color:var(--muted);margin:-14px 0 22px}
/* Mobile hamburger menu */
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:8px;margin-left:auto}
.menu-btn span{display:block;width:25px;height:3px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.2s}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
@media(max-width:900px){
  .rank-card{grid-template-columns:1fr;text-align:center}
  .rc-body ul{display:inline-block;text-align:left}
  .rc-logo .logobox{max-width:220px;margin:0 auto}
  .grid3{grid-template-columns:1fr}
  .proscons{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr}
  .nav{position:relative;flex-wrap:wrap}
  .menu-btn{display:block}
  .nav>a.btn{display:none}
  nav.menu{display:none;position:absolute;top:100%;left:-20px;right:-20px;background:#fff;flex-direction:column;align-items:flex-start;gap:0;border-bottom:1px solid var(--line);box-shadow:0 14px 28px rgba(0,0,0,.10);z-index:70}
  nav.menu.open{display:flex}
  nav.menu a{display:block;width:100%;padding:14px 24px;border-top:1px solid var(--line);font-size:16px}
  .sticky-cta{display:block}
  body{padding-bottom:74px}
}