/* Reset & base */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
    font-family:'Montserrat',-apple-system,BlinkMacSystemFont,sans-serif;
    font-size:16px;
    line-height:1.6;
    color:#1f2937;
    background:#fff;
    -webkit-font-smoothing:antialiased;
    -moz-osx-font-smoothing:grayscale;
    padding-bottom:70px; /* space for sticky bar */
}

img{max-width:100%;height:auto;display:block}
a{color:#1e40af;text-decoration:underline}
a:hover{opacity:.85}

/* Advertorial pre-header */
.advertorial-pre-header{
    background:#EFEFEF;
    color:#000;
    text-align:center;
    font-size:14px;
    padding:8px 12px;
    letter-spacing:.02em;
}

/* Layout */
.page-wrap{padding:0}
.container{max-width:1060px;margin:0 auto;padding:0 16px}
@media (min-width:768px){.container{padding:0 24px}}
@media (min-width:1024px){.container{padding:0 32px}}
@media (min-width:1280px){.container{padding:0}}

.layout{
    display:flex;
    flex-direction:column;
    gap:0;
    padding-top:20px;
}
@media (min-width:768px){
    .layout{flex-direction:row;align-items:stretch;padding-top:28px}
}

.article-col{
    flex:1 1 auto;
    width:100%;
    overflow:hidden;
}
@media (min-width:768px){.article-col{flex-basis:66.667%}}
@media (min-width:1024px){.article-col{flex-basis:75%}}

.sidebar-col{
    flex:1 1 auto;
    width:100%;
    margin-top:32px;
}
@media (min-width:768px){
    .sidebar-col{
        flex-basis:33.333%;
        margin-top:0;
        margin-left:16px;
    }
}
@media (min-width:1024px){.sidebar-col{flex-basis:25%}}

/* Block spacing (mimics mb-block) */
.alert-yellow,
.body-text,
.content-image,
.cta-row,
.section-h2,
.testimonials,
.hero-headline,
.byline,
.disclaimer,
.sidebar-h2,
.sidebar-text{
    margin-bottom:28px;
}

/* Hero headline */
.hero-headline{
    font-size:32px;
    line-height:1.25;
    font-weight:700;
    color:#111;
    margin-top:8px;
    letter-spacing:-.01em;
}

/* Section h2 */
.section-h2{
    font-size:22px;
    line-height:1.3;
    font-weight:700;
    color:#111;
    margin-top:8px;
}
@media (min-width:768px){.section-h2{font-size:26px}}

/* Body text */
.body-text{
    font-size:18px;
    line-height:1.65;
    color:#1f2937;
}
.body-text p{margin-bottom:14px}
.body-text h2{
    font-size:22px;
    line-height:1.3;
    font-weight:700;
    color:#111;
    margin:20px 0 12px;
}
@media (min-width:768px){.body-text h2{font-size:26px}}
.body-text h3{
    font-size:19px;
    font-weight:700;
    color:#111;
    margin:18px 0 10px;
}
.body-text ul{
    padding-left:24px;
    margin:12px 0 16px;
}
.body-text ul li{
    margin-bottom:6px;
}

/* Highlights */
.hl-yellow{
    background:#f39c18;
    color:#000;
    padding:1px 2px;
    font-weight:700;
}
.hl-yellow-soft{
    background:#fff3b0;
    color:#111;
    padding:.08em 0;
    box-decoration-break:clone;
    -webkit-box-decoration-break:clone;
}
.hl-green{
    color:#196f3d;
    font-weight:700;
}

/* Lead-in paragraph under the hero headline */
.lead-intro{
    font-size:18px;
    line-height:1.65;
    color:#111;
    margin-bottom:28px;
    font-weight:400;
}

/* Author byline */
.byline{
    display:flex;
    align-items:center;
    gap:12px;
}
.byline-avatar{
    display:block;
    width:44px;
    height:44px;
    min-width:44px;
    border-radius:50%;
    overflow:hidden;
    background:#e3e3e3;
}
.byline-avatar img{
    width:100%;height:100%;object-fit:cover;
}
.byline-text{
    font-size:12px;
    line-height:1.5;
    color:rgba(0,0,0,.55);
    display:flex;
    flex-direction:column;
    gap:2px;
}
.byline-link{
    color:#1e40af;
    text-decoration:none;
}
.byline-link:hover{text-decoration:underline}

/* Yellow alert (highlighted story boxes) */
.alert-yellow{
    background:#FCF8E3;
    border:1px solid #FBEED5;
    padding:14px 20px;
    box-shadow:0 2px 4px rgba(0,0,0,.08);
    border-radius:2px;
    font-size:17px;
    line-height:1.6;
}
.alert-yellow p{margin-bottom:12px}
.alert-yellow p:last-child{margin-bottom:0}
.alert-yellow h2{
    font-size:22px;
    font-weight:700;
    margin-top:10px;
    color:#111;
}

/* Content Image */
.content-image{
    display:block;
    width:100%;
    background:#e3e3e3;
    overflow:hidden;
    border-radius:2px;
}
.content-image img{
    width:100%;
    height:auto;
    object-fit:cover;
    object-position:center;
    display:block;
}

.block-link{
    display:block;
    text-decoration:none;
}

/* CTA Button (green gradient) */
.cta-row{
    display:flex;
    justify-content:center;
    align-items:stretch;
}
.cta-btn{
    display:inline-block;
    background:linear-gradient(180deg,#4ba614,#008c00);
    color:#fff !important;
    text-decoration:none !important;
    font-weight:700;
    text-align:center;
    border:1px solid #34740e;
    border-radius:4px;
    padding:12px 22px;
    font-family:inherit;
    cursor:pointer;
    transition:all .15s ease;
    line-height:1.3;
}
.cta-btn:hover{
    filter:brightness(.85);
}
.cta-btn-large{
    font-size:22px;
    width:100%;
    padding:14px 22px;
}
@media (min-width:768px){
    .cta-btn-large{font-size:25px;padding:16px 24px}
}
.cta-btn-small{
    font-size:15px;
    padding:10px 20px;
    min-width:200px;
}

/* Testimonials */
.testimonials{
    display:grid;
    grid-template-columns:1fr;
    gap:16px;
}
@media (min-width:640px){
    .testimonials{grid-template-columns:repeat(2,1fr)}
}
@media (min-width:768px){
    .testimonials{grid-template-columns:repeat(3,1fr)}
}
.testimonials-2col{
    grid-template-columns:1fr;
}
@media (min-width:640px){
    .testimonials-2col{grid-template-columns:repeat(2,1fr)}
}
@media (min-width:768px){
    .testimonials-2col{grid-template-columns:repeat(2,1fr)}
}
.testimonial-card{
    background:#F4F4F4;
    padding:14px 16px;
    border-radius:4px;
    font-size:14px;
    color:#000;
}
.testimonial-head{
    display:flex;
    flex-wrap:wrap;
    align-items:center;
    gap:6px;
    margin-bottom:10px;
}
.t-name{
    font-weight:700;
    color:#000;
    font-size:14px;
}
.t-verified{
    width:16px;
    height:16px;
    flex-shrink:0;
}
.t-stars{
    color:#f39c18;
    font-size:16px;
    letter-spacing:1px;
    width:100%;
    margin-top:2px;
}
.t-body{
    color:#000;
    font-size:14px;
    line-height:1.55;
}

/* Sidebar */
.sidebar-sticky{
    background:#fff;
    padding:18px 16px;
    border-radius:4px;
    border:1px solid #eee;
}
@media (min-width:768px){
    .sidebar-sticky{
        position:sticky;
        top:16px;
    }
}
.sidebar-h2{
    font-size:18px;
    line-height:1.35;
    font-weight:700;
    color:#111;
    text-align:center;
}
.sidebar-text{
    font-size:15px;
    line-height:1.5;
    text-align:center;
    color:#1f2937;
}
.payments-image{
    margin-bottom:0;
}

/* Disclaimer */
.disclaimer{
    font-size:12px;
    line-height:1.55;
    opacity:.75;
    text-align:center;
    color:#1f2937;
}
.disclaimer p{margin-bottom:10px}
.disclaimer p:last-child{margin-bottom:0}

/* Sticky bottom bar - desktop */
.sticky-bottom-bar{
    position:fixed;
    bottom:0;
    left:0;
    right:0;
    background:#fff;
    box-shadow:0 -2px 10px rgba(0,0,0,.06);
    z-index:50;
    display:none;
    opacity:0;
    transform:translateY(100%);
    transition:all .28s ease;
}
.sticky-bottom-bar.is-visible{
    opacity:1;
    transform:translateY(0);
}
@media (min-width:768px){
    .sticky-bottom-bar{display:block}
}
.sticky-bar-inner{
    max-width:1060px;
    margin:0 auto;
    padding:10px 24px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:16px;
}
.sticky-bar-left{
    display:flex;
    align-items:center;
    gap:24px;
}
.sticky-logo{
    max-width:170px;
    max-height:44px;
    height:auto;
    width:auto;
}
.sticky-stars{
    color:#f39c18;
    font-size:20px;
    letter-spacing:2px;
}

/* Sticky mobile CTA */
.sticky-mobile-cta{
    position:fixed;
    bottom:0;
    left:0;
    right:0;
    background:linear-gradient(180deg,#4ba614,#008c00);
    color:#fff !important;
    font-weight:700;
    font-size:19px;
    text-align:center;
    text-decoration:none !important;
    padding:12px 20px;
    border-top:1px solid #34740e;
    z-index:50;
    opacity:0;
    transform:translateY(100%);
    transition:all .28s ease;
}
.sticky-mobile-cta.is-visible{
    opacity:1;
    transform:translateY(0);
}
@media (min-width:768px){
    .sticky-mobile-cta{display:none}
}

/* Quote styling */
.quote:before{
    color:#ccc;
    content:"\201C";
    font-size:64px;
    line-height:0;
    margin-right:5px;
    position:relative;
    bottom:-30px;
}
.quote *{display:inline}

/* Strong/em fine tuning */
strong{font-weight:700}
em{font-style:italic}

/* Mobile padding adjustments */
@media (max-width:767px){
    .alert-yellow{padding:12px 16px;font-size:16px}
    .body-text{font-size:16.5px}
    .cta-btn-large{font-size:19px;padding:12px 18px}
}

/* Hide sticky mobile CTA on desktop */
@media (min-width:768px){
    #stickyMobileCta{display:none !important}
}