:root{
      --primary:#0B3D91;
      --primary-dark:#06275f;
      --primary-soft:#eaf1ff;
      --accent:#2f6fd4;
      --ink:#14213d;
      --muted:#667085;
      --line:#dfe5ef;
      --surface:#ffffff;
      --surface-alt:#f5f7fb;
      --success:#16794f;
      --warning:#a85b00;
      --shadow:0 18px 48px rgba(11,61,145,.12);
      --radius:18px;
      --container:1200px;
    }

    *{box-sizing:border-box}
    html{scroll-behaviour:smooth}
    body{
      margin:0;
      color:var(--ink);
      background:var(--surface);
      font-family:Inter,Segoe UI,Roboto,Arial,sans-serif;
      line-height:1.6;
    }
    body.drawer-locked{overflow:hidden}
    img{display:block;max-width:100%}
    a{color:inherit;text-decoration:none}
    button,input,select,textarea{font:inherit}
    .container{width:min(var(--container),calc(100% - 40px));margin-inline:auto}

    .topbar{
      background:var(--primary-dark);
      color:#fff;
      font-size:13px;
    }
    .topbar-inner{
      min-height:38px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
    }
    .topbar-links{display:flex;align-items:center;gap:20px}
    .topbar a:hover{text-decoration:underline}

    .header{
      position:relative;
      z-index:50;
      background:#fff;
      border-bottom:1px solid var(--line);
      box-shadow:0 4px 18px rgba(20,33,61,.04);
    }
    .header-inner{
      min-height:78px;
      display:flex;
      align-items:center;
      gap:26px;
    }
    .logo{
      display:inline-flex;
      align-items:center;
      gap:10px;
      min-width:max-content;
      color:var(--primary);
      font-weight:800;
      letter-spacing:-.02em;
    }
    .logo img{
      width:42px;
      height:42px;
      object-fit:contain;
      border-radius:10px;
    }
    .main-nav{flex:1;align-self:stretch}
    .nav-list{
      height:100%;
      margin:0;
      padding:0;
      display:flex;
      justify-content:center;
      align-items:stretch;
      list-style:none;
    }
    .nav-item{
      position:relative;
      display:flex;
      align-items:center;
    }
    .nav-link{
      height:100%;
      display:flex;
      align-items:center;
      padding:0 13px;
      color:#27364f;
      font-size:14px;
      font-weight:700;
      white-space:nowrap;
    }
    .nav-link:hover,.nav-item:focus-within>.nav-link{
      color:var(--primary);
      background:var(--primary-soft);
    }
    .has-panel::after{
      content:"";
      position:absolute;
      top:100%;
      left:0;
      right:0;
      height:14px;
    }
    .dropdown-panel,.mega-menu{
      position:absolute;
      top:100%;
      left:0;
      visibility:hidden;
      opacity:0;
      pointer-events:none;
      transform:translateY(8px);
      transition:.2s ease;
      background:#fff;
      border:1px solid var(--line);
      border-radius:0 0 16px 16px;
      box-shadow:var(--shadow);
    }
    .nav-item:hover>.dropdown-panel,
    .nav-item:focus-within>.dropdown-panel,
    .nav-item:hover>.mega-menu,
    .nav-item:focus-within>.mega-menu{
      visibility:visible;
      opacity:1;
      pointer-events:auto;
      transform:none;
    }
    .dropdown-panel{
      width:340px;
      padding:20px;
    }
    .dropdown-title,.mega-title{
      margin:0 0 10px;
      color:var(--ink);
      font-weight:800;
    }
    .dropdown-list{display:grid;gap:4px}
    .dropdown-list a{
      padding:9px 10px;
      border-radius:8px;
      color:#44516a;
      font-size:14px;
    }
    .dropdown-list a:hover{background:var(--primary-soft);color:var(--primary)}
    .dropdown-footer{
      margin-top:12px;
      padding-top:12px;
      border-top:1px solid var(--line);
      display:flex;
      justify-content:space-between;
      gap:12px;
      font-size:13px;
      color:var(--muted);
    }
    .dropdown-footer a,.text-link{color:var(--primary);font-weight:800}

    .mega-menu{
      left:50%;
      width:min(960px,calc(100vw - 40px));
      padding:24px;
      transform:translate(-50%,8px);
    }
    .nav-item:hover>.mega-menu,
    .nav-item:focus-within>.mega-menu{transform:translate(-50%,0)}
    .mega-top{
      display:flex;
      justify-content:space-between;
      align-items:flex-start;
      gap:24px;
      margin-bottom:18px;
    }
    .mega-top p{margin:0;color:var(--muted);font-size:14px}
    .mega-top .mega-title{color:var(--ink);font-size:17px}
    .mega-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:12px;
    }
    .mega-card{
      min-width:0;
      padding:14px;
      display:grid;
      grid-template-columns:48px minmax(0,1fr);
      align-items:center;
      gap:8px 12px;
      border:1px solid var(--line);
      border-radius:12px;
      background:#fff;
    }
    .mega-card:hover{
      border-color:#a9c3ed;
      background:var(--primary-soft);
      transform:translateY(-2px);
    }
    .mega-card img{
      width:48px;
      height:48px;
      grid-row:1/4;
      object-fit:contain;
      border-radius:9px;
      background:#fff;
    }
    .mega-card strong{
      min-width:0;
      overflow:hidden;
      text-overflow:ellipsis;
      color:var(--ink);
      font-size:14px;
    }
    .mega-card p{
      margin:0;
      color:var(--muted);
      font-size:12px;
      line-height:1.45;
    }
    .mega-meta{
      display:flex;
      flex-wrap:wrap;
      gap:4px 9px;
      color:var(--muted);
      font-size:11px;
    }
    .mega-categories{
      display:flex;
      flex-wrap:wrap;
      gap:8px;
      margin-bottom:16px;
    }
    .mega-categories a{
      padding:7px 11px;
      border-radius:999px;
      background:var(--surface-alt);
      color:#40506a;
      font-size:12px;
      font-weight:700;
    }
    .mega-categories a:hover{background:var(--primary);color:#fff}
    .video-card,.product-card{align-items:start}
    .video-card img,.product-card img{object-fit:cover}
    .tool-icon{object-fit:contain!important}

    .header-btns{
      display:flex;
      align-items:center;
      gap:10px;
      min-width:max-content;
    }
    .btn{
      display:inline-flex;
      align-items:center;
      justify-content:center;
      min-height:44px;
      padding:10px 18px;
      border:1px solid transparent;
      border-radius:10px;
      font-weight:800;
      cursor:pointer;
    }
    .btn-primary{
      color:#fff;
      background:var(--primary);
      box-shadow:0 8px 18px rgba(11,61,145,.2);
    }
    .btn-primary:hover{background:var(--primary-dark)}
    .btn-secondary{
      color:var(--primary);
      background:#fff;
      border-color:#afc4e7;
    }
    .btn-secondary:hover{background:var(--primary-soft)}
    .hamburger{
      width:44px;
      height:44px;
      padding:10px;
      display:none;
      flex-direction:column;
      justify-content:center;
      gap:5px;
      border:1px solid var(--line);
      border-radius:10px;
      background:#fff;
      cursor:pointer;
    }
    .hamburger span{
      width:100%;
      height:2px;
      background:var(--primary);
      transition:.2s ease;
    }
    .hamburger.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.active span:nth-child(2){opacity:0}
    .hamburger.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

    .drawer-overlay{
      position:fixed;
      inset:0;
      z-index:80;
      visibility:hidden;
      opacity:0;
      background:rgba(5,18,39,.58);
      transition:.25s ease;
    }
    .drawer-overlay.open{visibility:visible;opacity:1}
    .mobile-drawer{
      position:fixed;
      top:0;
      right:0;
      z-index:90;
      width:min(390px,92vw);
      height:100dvh;
      overflow-y:auto;
      transform:translateX(102%);
      background:#fff;
      box-shadow:-20px 0 60px rgba(0,0,0,.2);
      transition:transform .25s ease;
    }
    .mobile-drawer.open{transform:none}
    .drawer-head{
      min-height:76px;
      padding:14px 16px;
      display:flex;
      align-items:center;
      gap:12px;
      border-bottom:1px solid var(--line);
      background:var(--surface-alt);
    }
    .drawer-head>a{color:var(--primary);font-weight:800}
    .drawer-close{
      margin-left:auto;
      width:40px;
      height:40px;
      border:0;
      border-radius:10px;
      color:#fff;
      background:var(--primary);
      font-size:26px;
      line-height:1;
      cursor:pointer;
    }
    .drawer-menu{padding:12px 16px 30px}
    .drawer-link,.drawer-toggle{
      width:100%;
      padding:14px 10px;
      display:flex;
      align-items:center;
      justify-content:space-between;
      border:0;
      border-bottom:1px solid var(--line);
      color:var(--ink);
      background:transparent;
      text-align:left;
      font-weight:800;
      cursor:pointer;
    }
    .drawer-toggle::after{content:"+";color:var(--primary);font-size:20px}
    .drawer-toggle.active::after{content:"−"}
    .drawer-submenu{
      display:none;
      padding:7px 0 9px 16px;
      border-bottom:1px solid var(--line);
    }
    .drawer-submenu.open{display:grid}
    .drawer-submenu a{
      padding:9px 10px;
      color:var(--muted);
      font-size:14px;
      border-radius:8px;
    }
    .drawer-submenu a:hover{color:var(--primary);background:var(--primary-soft)}

    .broker-review-page{background:var(--surface-alt)}
    .broker-review-page .broker-hero{
      padding:42px 0 34px;
      color:#fff;
      background:
        radial-gradient(circle at 85% 12%,rgba(255,255,255,.18),transparent 27%),
        linear-gradient(135deg,var(--primary-dark),var(--primary));
    }
    .broker-review-page .breadcrumbs{
      display:flex;
      flex-wrap:wrap;
      gap:7px;
      margin-bottom:24px;
      color:#d8e5ff;
      font-size:13px;
    }
    .broker-review-page .breadcrumbs a:hover{text-decoration:underline}
    .broker-review-page .broker-heading{
      display:grid;
      grid-template-columns:auto minmax(0,1fr) auto;
      align-items:center;
      gap:24px;
    }
    .broker-review-page .broker-logo{
      width:112px;
      height:112px;
      padding:12px;
      object-fit:contain;
      border-radius:22px;
      background:#fff;
      box-shadow:0 15px 36px rgba(0,0,0,.18);
    }
    .broker-review-page .eyebrow{
      margin:0 0 7px;
      color:#cfe0ff;
      font-size:13px;
      font-weight:800;
      letter-spacing:.1em;
      text-transform:uppercase;
    }
    .broker-review-page h1{
      margin:0;
      font-size:clamp(32px,5vw,56px);
      line-height:1.08;
      letter-spacing:-.04em;
    }
    .broker-review-page .hero-summary{
      max-width:760px;
      margin:12px 0 0;
      color:#e5edff;
      font-size:17px;
    }
    .broker-review-page .rating-box{
      min-width:145px;
      padding:18px;
      border:1px solid rgba(255,255,255,.28);
      border-radius:16px;
      background:rgba(255,255,255,.11);
      text-align:center;
      backdrop-filter:blur(8px);
    }
    .broker-review-page .rating-box span{display:block;color:#d8e5ff;font-size:12px}
    .broker-review-page .rating-box strong{display:block;font-size:34px;line-height:1.2}
    .broker-review-page .rating-stars{color:#ffd667;letter-spacing:2px}

    .broker-review-page .quick-facts-wrap{margin-top:-1px;background:#fff;border-bottom:1px solid var(--line)}
    .broker-review-page .quick-facts{
      display:grid;
      grid-template-columns:repeat(5,minmax(0,1fr));
    }
    .broker-review-page .fact{
      min-width:0;
      padding:21px 18px;
      border-right:1px solid var(--line);
    }
    .broker-review-page .fact:last-child{border-right:0}
    .broker-review-page .fact span{
      display:block;
      color:var(--muted);
      font-size:12px;
      font-weight:700;
      text-transform:uppercase;
      letter-spacing:.05em;
    }
    .broker-review-page .fact strong{
      display:block;
      margin-top:4px;
      overflow-wrap:anywhere;
      color:var(--ink);
      font-size:16px;
    }

    .broker-review-page .review-shell{
      padding:40px 0 64px;
      display:grid;
      grid-template-columns:minmax(0,1fr) 330px;
      align-items:start;
      gap:28px;
    }
    .broker-review-page .review-content{min-width:0;display:grid;gap:24px}
    .broker-review-page .content-card,
    .broker-review-page .side-card{
      min-width:0;
      padding:28px;
      border:1px solid var(--line);
      border-radius:var(--radius);
      background:#fff;
      box-shadow:0 10px 34px rgba(20,33,61,.06);
    }
    .broker-review-page .content-card h2,
    .broker-review-page .side-card h2{
      margin:0 0 16px;
      color:var(--ink);
      font-size:24px;
      line-height:1.25;
    }
    .broker-review-page .content-card h3{margin:24px 0 8px;font-size:18px}
    .broker-review-page .content-card p{color:#49566d}
    .broker-review-page .broker-body{
      min-width:0;
      max-width:100%;
      overflow-x:auto;
      overflow-wrap:anywhere;
    }
    .broker-review-page .broker-body img,
    .broker-review-page .broker-body table,
    .broker-review-page .broker-body iframe,
    .broker-review-page .broker-body video{max-width:100%}
    .broker-review-page .broker-body table{
      width:100%;
      border-collapse:collapse;
    }
    .broker-review-page .broker-body th,
    .broker-review-page .broker-body td{
      padding:12px;
      border:1px solid var(--line);
      text-align:left;
    }
    .broker-review-page .section-intro{margin:0 0 20px;color:var(--muted)}
    .broker-review-page .detail-grid{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:12px;
    }
    .broker-review-page .detail-item{
      padding:16px;
      border:1px solid var(--line);
      border-radius:12px;
      background:var(--surface-alt);
    }
    .broker-review-page .detail-item span{
      display:block;
      margin-bottom:4px;
      color:var(--muted);
      font-size:12px;
      font-weight:700;
      text-transform:uppercase;
    }
    .broker-review-page .detail-item strong{overflow-wrap:anywhere}
    .broker-review-page .notice{
      padding:16px 18px;
      border-left:4px solid var(--warning);
      border-radius:9px;
      background:#fff8ec;
      color:#684213;
    }
    .broker-review-page .check-list{
      margin:0;
      padding:0;
      display:grid;
      gap:11px;
      list-style:none;
    }
    .broker-review-page .check-list li{
      position:relative;
      padding-left:28px;
      color:#49566d;
    }
    .broker-review-page .check-list li::before{
      content:"✓";
      position:absolute;
      left:0;
      top:0;
      width:20px;
      height:20px;
      display:grid;
      place-items:center;
      border-radius:50%;
      color:#fff;
      background:var(--success);
      font-size:12px;
      font-weight:900;
    }
    .broker-review-page .review-sidebar{
      position:sticky;
      top:18px;
      display:grid;
      gap:18px;
    }
    .broker-review-page .side-card h2{font-size:20px}
    .broker-review-page .action-stack{display:grid;gap:10px}
    .broker-review-page .action-stack .btn{width:100%}
    .broker-review-page .risk-note{
      margin:14px 0 0;
      color:var(--muted);
      font-size:12px;
      line-height:1.55;
    }
    .broker-review-page .review-points{
      margin:0;
      padding:0;
      display:grid;
      gap:10px;
      list-style:none;
    }
    .broker-review-page .review-points li{
      display:flex;
      justify-content:space-between;
      gap:15px;
      padding-bottom:10px;
      border-bottom:1px solid var(--line);
      color:var(--muted);
      font-size:14px;
    }
    .broker-review-page .review-points strong{
      color:var(--ink);
      text-align:right;
      overflow-wrap:anywhere;
    }
    .broker-review-page .related-section{
      padding:0 0 70px;
      background:var(--surface-alt);
    }
    .broker-review-page .section-heading{
      display:flex;
      align-items:end;
      justify-content:space-between;
      gap:20px;
      margin-bottom:20px;
    }
    .broker-review-page .section-heading h2{margin:0;font-size:30px}
    .broker-review-page .section-heading p{margin:5px 0 0;color:var(--muted)}
    .broker-review-page .related-grid{
      display:grid;
      grid-template-columns:repeat(3,minmax(0,1fr));
      gap:18px;
    }
    .broker-review-page .related-card{
      min-width:0;
      padding:20px;
      display:grid;
      grid-template-columns:62px minmax(0,1fr);
      gap:10px 15px;
      align-items:center;
      border:1px solid var(--line);
      border-radius:16px;
      background:#fff;
      box-shadow:0 10px 28px rgba(20,33,61,.05);
    }
    .broker-review-page .related-card:hover{border-color:#9db9e6;transform:translateY(-3px)}
    .broker-review-page .related-card img{
      width:62px;
      height:62px;
      grid-row:1/4;
      padding:6px;
      object-fit:contain;
      border:1px solid var(--line);
      border-radius:12px;
    }
    .broker-review-page .related-card strong{font-size:17px}
    .broker-review-page .related-meta{
      display:flex;
      flex-wrap:wrap;
      gap:5px 12px;
      color:var(--muted);
      font-size:12px;
    }
    .broker-review-page .related-link{color:var(--primary);font-size:13px;font-weight:800}

    .footer{
      color:#dbe5f6;
      background:#071b3d;
    }
    .footer-main{
      padding:54px 0 40px;
      display:grid;
      grid-template-columns:1.6fr 1fr 1fr 1fr;
      gap:38px;
    }
    .footer .logo{color:#fff}
    .footer-brand p{max-width:480px;color:#aebbd0;font-size:14px}
    .footer h3{margin:0 0 16px;color:#fff;font-size:15px}
    .footer-links,.footer-contact{display:grid;gap:9px}
    .footer-links a,.footer-contact a{color:#b8c5d8;font-size:14px}
    .footer-links a:hover,.footer-contact a:hover{color:#fff;text-decoration:underline}
    .footer-social{margin-top:8px}
    .footer-bottom{
      min-height:70px;
      padding:18px 0;
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      border-top:1px solid rgba(255,255,255,.12);
      color:#95a5bd;
      font-size:12px;
    }

    @media (max-width:1100px){
      .main-nav{display:none}
      .hamburger{display:flex}
      .header-inner{justify-content:space-between}
      .header-btns{margin-left:auto}
      .broker-review-page .quick-facts{grid-template-columns:repeat(3,minmax(0,1fr))}
      .broker-review-page .fact:nth-child(3){border-right:0}
      .broker-review-page .fact:nth-child(n+4){border-top:1px solid var(--line)}
      .broker-review-page .related-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
    }

    @media (max-width:850px){
      .broker-review-page .broker-heading{
        grid-template-columns:auto minmax(0,1fr);
      }
      .broker-review-page .rating-box{
        grid-column:1/-1;
        display:flex;
        align-items:center;
        justify-content:center;
        gap:12px;
      }
      .broker-review-page .rating-box span,
      .broker-review-page .rating-box strong{display:inline}
      .broker-review-page .review-shell{grid-template-columns:1fr}
      .broker-review-page .review-sidebar{position:static;grid-template-columns:repeat(2,minmax(0,1fr))}
      .footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}
    }

    @media (max-width:640px){
      .container{width:min(100% - 28px,var(--container))}
      .topbar-inner{
        padding:8px 0;
        align-items:flex-start;
        flex-direction:column;
        gap:2px;
      }
      .topbar-links{flex-wrap:wrap;gap:4px 14px}
      .header-inner{min-height:68px;gap:12px}
      .logo img{width:36px;height:36px}
      .header-btns>.btn{display:none}
      .broker-review-page .broker-hero{padding:28px 0}
      .broker-review-page .broker-heading{
        grid-template-columns:1fr;
        text-align:center;
      }
      .broker-review-page .broker-logo{margin-inline:auto;width:94px;height:94px}
      .broker-review-page .hero-summary{font-size:15px}
      .broker-review-page .quick-facts{grid-template-columns:repeat(2,minmax(0,1fr))}
      .broker-review-page .fact,
      .broker-review-page .fact:nth-child(3){
        border-right:1px solid var(--line);
        border-top:1px solid var(--line);
      }
      .broker-review-page .fact:nth-child(odd){border-left:0}
      .broker-review-page .fact:nth-child(even){border-right:0}
      .broker-review-page .review-shell{padding:26px 0 46px}
      .broker-review-page .content-card,
      .broker-review-page .side-card{padding:21px}
      .broker-review-page .detail-grid{grid-template-columns:1fr}
      .broker-review-page .review-sidebar{grid-template-columns:1fr}
      .broker-review-page .section-heading{align-items:start;flex-direction:column}
      .broker-review-page .related-grid{grid-template-columns:1fr}
      .footer-main{grid-template-columns:1fr;gap:28px}
      .footer-bottom{align-items:flex-start;flex-direction:column}
    }