/* BusinessReviews.com — design tokens & components
   Ink #12213A · Mist #EEF2F7 · Paper #FFFFFF · Ultramarine #2D3FE0 · Marigold #F4A300 · Jade #0E8A63 */
:root{
  --ink:#12213A; --ink-2:#3C4A63; --ink-3:#66738A;
  --mist:#EEF2F7; --mist-2:#E1E7F0; --paper:#FFFFFF;
  --ultra:#2D3FE0; --ultra-d:#1F2DB0; --ultra-l:#E7E9FD;
  --gold:#F4A300; --gold-l:#FFF3D6;
  --jade:#0E8A63; --jade-l:#E1F4EC;
  --red:#C2362B; --red-l:#FBE7E5;
  --line:#D6DDE8;
  --r-s:6px; --r-m:12px; --r-l:22px; --pill:999px;
  --shadow:0 1px 0 rgba(18,33,58,.06), 0 8px 24px -12px rgba(18,33,58,.22);
  --f-display:"Bricolage Grotesque", "Public Sans", system-ui, sans-serif;
  --f-body:"Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --wrap:1180px;
  color-scheme: light;
}
[data-theme="dark"]{
  --ink:#E8EDF6; --ink-2:#B9C3D4; --ink-3:#8C98AD;
  --mist:#16213A; --mist-2:#1E2B47; --paper:#0E1729;
  --ultra:#7C8BFF; --ultra-d:#9AA6FF; --ultra-l:#1E2752;
  --gold-l:#3A2F12; --jade:#3CC79A; --jade-l:#12352B; --red-l:#3D1915;
  --line:#2A385A;
  --shadow:0 1px 0 rgba(0,0,0,.3), 0 10px 30px -14px rgba(0,0,0,.7);
  color-scheme: dark;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--f-body);font-size:1.0625rem;line-height:1.6;color:var(--ink);background:var(--paper)}
img,svg,iframe{max-width:100%;display:block}
a{color:var(--ultra);text-underline-offset:.18em}
a:hover{color:var(--ultra-d)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--f-display);line-height:1.12;letter-spacing:-.015em;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:700;letter-spacing:-.03em}
h2{font-size:clamp(1.6rem,2.8vw,2.3rem);font-weight:650}
h3{font-size:1.25rem;font-weight:650}
h4{font-size:1.05rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
.muted{color:var(--ink-3)}
.lead{font-size:1.2rem;color:var(--ink-2);max-width:62ch}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#12213A;padding:10px 14px;z-index:999}
.skip:focus{left:10px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* Top interest banner */
.topbar{background:var(--ink);color:#fff;font-size:.9rem;text-align:center;padding:8px 14px}
[data-theme="dark"] .topbar{background:#050B17;color:#E8EDF6}
.topbar a{color:#FFD36B;font-weight:600}

/* Header */
.site-head{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--paper) 92%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;gap:20px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--f-display);font-weight:750;font-size:1.22rem;letter-spacing:-.02em}
.brand .tld{color:var(--ink-3);font-weight:500}
.brand svg{width:34px;height:34px}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav a{color:var(--ink-2);text-decoration:none;padding:8px 11px;border-radius:var(--r-s);font-weight:550;font-size:.97rem}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink);background:var(--mist)}
.head-actions{display:flex;gap:8px;align-items:center}
.icon-btn{background:none;border:1px solid var(--line);border-radius:var(--pill);width:40px;height:40px;display:grid;place-items:center;color:var(--ink);cursor:pointer}
.icon-btn:hover{background:var(--mist)}
.menu-btn{display:none}
@media (max-width:1020px){
  .nav{position:fixed;inset:0 0 0 auto;width:min(340px,86vw);background:var(--paper);flex-direction:column;align-items:stretch;padding:84px 18px 18px;transform:translateX(100%);transition:transform .25s ease;box-shadow:var(--shadow);margin:0;z-index:60;overflow:auto}
  .nav.open{transform:none}
  .nav a{padding:12px 14px;font-size:1.05rem}
  .menu-btn{display:grid}
  .head-actions{margin-left:auto}
  .head-actions .btn{display:none}
}
.scrim{position:fixed;inset:0;background:rgba(10,18,33,.45);z-index:55;display:none}
.scrim.show{display:block}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 1rem/1 var(--f-body);padding:14px 20px;border-radius:var(--r-m);border:2px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,transform .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--ultra);color:#fff}
.btn-primary:hover{background:var(--ultra-d);color:#fff}
[data-theme="dark"] .btn-primary{color:#0E1729}
.btn-gold{background:var(--gold);color:#12213A}
.btn-gold:hover{background:#FFB627;color:#12213A}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{background:var(--mist);color:var(--ink)}
.btn-sm{padding:9px 14px;font-size:.92rem;border-radius:var(--r-s)}
.btn-block{width:100%}

/* Stars — the signature element */
.stars{display:inline-flex;gap:3px}
.star{width:22px;height:22px;fill:var(--mist-2)}
.star.on{fill:var(--gold)}
.big-stars{display:flex;gap:clamp(4px,1vw,12px)}
.big-stars button{background:none;border:0;padding:0;cursor:pointer;line-height:0}
.big-stars svg{width:clamp(44px,7vw,78px);height:clamp(44px,7vw,78px);fill:var(--mist-2);transition:fill .12s,transform .12s}
.big-stars button.on svg{fill:var(--gold)}
.big-stars button:hover svg{transform:scale(1.06)}
.star-caption{min-height:1.6em;font-weight:600;color:var(--ink-2);margin-top:10px}

/* Hero */
.hero{padding:clamp(40px,6vw,84px) 0 clamp(36px,5vw,64px);background:
  radial-gradient(900px 400px at 85% -10%, var(--ultra-l), transparent 60%), var(--paper)}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero h1{max-width:15ch}
.search{display:flex;gap:8px;background:var(--paper);border:2px solid var(--ink);border-radius:var(--r-l);padding:7px;max-width:640px;box-shadow:6px 6px 0 var(--gold)}
.search input{flex:1;border:0;background:transparent;font:500 1.08rem var(--f-body);padding:10px 12px;color:var(--ink);min-width:0}
.search input:focus{outline:none}
.search .btn{border-radius:calc(var(--r-l) - 6px)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chip{display:inline-flex;align-items:center;gap:6px;padding:7px 13px;border-radius:var(--pill);background:var(--mist);color:var(--ink-2);text-decoration:none;font-size:.92rem;font-weight:550;border:1px solid transparent}
.chip:hover{border-color:var(--ink-3);color:var(--ink)}
.rate-panel{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-l);padding:28px;box-shadow:var(--shadow)}
.rate-panel h2{font-size:1.35rem}

/* Sections */
.section{padding:clamp(48px,7vw,92px) 0}
.section.tint{background:var(--mist)}
.section.ink{background:var(--ink);color:#E8EDF6}
.section.ink h2,.section.ink h3{color:#fff}
[data-theme="dark"] .section.ink{background:#050B17}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:28px;flex-wrap:wrap}
.sec-head p{margin:0;color:var(--ink-3);max-width:56ch}

/* Grids & cards */
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)} .g3{grid-template-columns:repeat(3,1fr)} .g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-m);padding:22px}
.card h3{margin-bottom:.35em}
.card p:last-child{margin-bottom:0}
a.card{text-decoration:none;color:var(--ink);display:block;transition:border-color .15s}
a.card:hover{border-color:var(--ultra)}
.cat-card{display:flex;gap:14px;align-items:flex-start}
.cat-ico{flex:none;width:46px;height:46px;border-radius:var(--r-s);background:var(--ultra-l);display:grid;place-items:center;font-size:1.4rem}
.cat-card small{color:var(--ink-3);display:block;margin-top:2px}
.tag{display:inline-block;font-size:.8rem;font-weight:650;padding:3px 9px;border-radius:var(--pill);background:var(--jade-l);color:var(--jade)}
.tag.gold{background:var(--gold-l);color:#8A5A00}
[data-theme="dark"] .tag.gold{color:var(--gold)}
.tag.blue{background:var(--ultra-l);color:var(--ultra)}

/* Steps (genuine sequence) */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}
.steps li{list-style:none;counter-increment:s;padding-top:14px;border-top:3px solid var(--ink)}
.steps li::before{content:counter(s);font-family:var(--f-display);font-weight:750;font-size:2.4rem;color:var(--gold);display:block;line-height:1;margin-bottom:8px}
.steps{padding:0;margin:0}

/* Lead box */
.lead-band{background:var(--ultra);color:#fff;border-radius:var(--r-l);padding:clamp(26px,4vw,48px);display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:center}
.lead-band h2{color:#fff}
.lead-band p{color:#DCE0FF}
[data-theme="dark"] .lead-band{background:#1C2670}
@media (max-width:860px){.lead-band{grid-template-columns:1fr}}
.checks{list-style:none;padding:0;margin:0 0 1em}
.checks li{padding-left:28px;position:relative;margin:.4em 0}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:16px;height:16px;border-radius:50%;background:var(--jade) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' stroke='white' stroke-width='2' fill='none'/%3E%3C/svg%3E") center/contain}
.lead-band .checks li::before{background-color:var(--gold)}

/* Forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:600px){form .row{grid-template-columns:1fr}}
label{display:block;font-weight:600;font-size:.95rem;margin:0 0 6px;color:var(--ink)}
.field{margin-bottom:16px}
input:not([type]),input[type=text],input[type=email],input[type=tel],input[type=url],input[type=number],input[type=date],input[type=search],select,textarea{
  width:100%;font:inherit;font-size:1rem;padding:12px 13px;border:1.5px solid var(--line);border-radius:var(--r-s);background:var(--paper);color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--ultra);outline:3px solid var(--ultra-l);outline-offset:0}
textarea{min-height:130px;resize:vertical}
.hint{font-size:.85rem;color:var(--ink-3);margin-top:5px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:450;font-size:.93rem}
.check input{margin-top:4px;width:18px;height:18px;flex:none;accent-color:var(--ultra)}
.opt-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:10px}
.opt{position:relative}
.opt input{position:absolute;opacity:0;inset:0;cursor:pointer}
.opt span{display:block;padding:14px;border:1.5px solid var(--line);border-radius:var(--r-m);font-weight:600;background:var(--paper);height:100%}
.opt input:checked+span{border-color:var(--ultra);background:var(--ultra-l);box-shadow:inset 0 0 0 1px var(--ultra)}
.opt input:focus-visible+span{outline:3px solid var(--gold)}
.form-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-l);padding:clamp(20px,3.5vw,36px);box-shadow:var(--shadow);color:var(--ink)}
.form-card h2,.form-card h3{color:var(--ink)}
.form-status{margin-top:14px;padding:14px;border-radius:var(--r-s);display:none;font-weight:550}
.form-status.ok{display:block;background:var(--jade-l);color:var(--jade)}
.form-status.err{display:block;background:var(--red-l);color:var(--red)}
.hp{position:absolute;left:-5000px}
.progress{height:8px;background:var(--mist);border-radius:var(--pill);overflow:hidden;margin:6px 0 22px}
.progress span{display:block;height:100%;background:var(--gold);width:25%;transition:width .3s}
.step-pane{display:none}
.step-pane.active{display:block}
.step-nav{display:flex;justify-content:space-between;gap:10px;margin-top:20px}
.rate-input{display:flex;gap:6px}
.rate-input button{background:none;border:0;padding:0;cursor:pointer}
.rate-input svg{width:40px;height:40px;fill:var(--mist-2)}
.rate-input button.on svg{fill:var(--gold)}

/* Article */
.crumbs{font-size:.9rem;color:var(--ink-3);margin-bottom:14px}
.crumbs a{color:var(--ink-3)}
.article{font-size:1.09rem}
.article h2{margin-top:1.6em;font-size:1.7rem}
.article h3{margin-top:1.3em}
.article li{margin:.35em 0}
.article blockquote{margin:1.4em 0;padding:16px 20px;border-left:4px solid var(--gold);background:var(--mist);border-radius:0 var(--r-s) var(--r-s) 0}
.article table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.97rem}
.article th,.article td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}
.article th{background:var(--mist)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:46px}
@media (max-width:980px){.layout{grid-template-columns:1fr}}
.aside-stick{position:sticky;top:96px;display:grid;gap:18px}
.toc a{display:block;padding:5px 0;color:var(--ink-2);text-decoration:none;font-size:.95rem}
.toc a:hover{color:var(--ultra)}
.byline{display:flex;gap:14px;flex-wrap:wrap;color:var(--ink-3);font-size:.93rem;margin-bottom:24px}

/* Provider list */
.prov{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:16px 0;border-bottom:1px solid var(--line)}
.prov:last-child{border-bottom:0}
.prov h3{font-size:1.1rem;margin:0}
.prov .muted{font-size:.9rem}
.prov-actions{display:flex;gap:8px;flex-wrap:wrap}

/* FAQ */
details{border:1px solid var(--line);border-radius:var(--r-m);padding:0 18px;margin-bottom:10px;background:var(--paper)}
summary{cursor:pointer;font-weight:650;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:10px}
summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--ultra)}
details[open] summary::after{content:"−"}
details>div{padding-bottom:16px;color:var(--ink-2)}

/* Video */
.vid{position:relative;aspect-ratio:16/9;background:#000;border-radius:var(--r-m);overflow:hidden;cursor:pointer}
.vid img{width:100%;height:100%;object-fit:cover;opacity:.88}
.vid .play{position:absolute;inset:0;display:grid;place-items:center}
.vid .play span{width:68px;height:48px;background:var(--gold);border-radius:14px;display:grid;place-items:center}
.vid iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.vid-title{font-weight:650;margin:10px 0 2px}

/* Tiers */
.tier{display:flex;flex-direction:column}
.tier .amt{font-family:var(--f-display);font-size:2.3rem;font-weight:750;letter-spacing:-.03em}
.tier.feature{border:2px solid var(--gold)}
.tier .btn{margin-top:auto}

/* Tools */
.tool{scroll-margin-top:96px}
.out{background:var(--mist);border-radius:var(--r-m);padding:18px;white-space:pre-wrap;font-size:.98rem;min-height:80px;border:1px dashed var(--line)}
.big-num{font-family:var(--f-display);font-size:3rem;font-weight:750;letter-spacing:-.03em;line-height:1}
table.matrix{width:100%;border-collapse:collapse}
table.matrix th,table.matrix td{padding:8px;border-bottom:1px solid var(--line);text-align:left}
table.matrix input{padding:8px;width:100%;min-width:60px}
.bar{height:10px;background:var(--mist-2);border-radius:var(--pill);overflow:hidden}
.bar span{display:block;height:100%;background:var(--gold)}

/* Footer */
.site-foot{background:var(--ink);color:#C7D0E0;padding:56px 0 28px;font-size:.95rem}
[data-theme="dark"] .site-foot{background:#050B17}
.site-foot a{color:#E8EDF6;text-decoration:none}
.site-foot a:hover{text-decoration:underline;color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:30px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-foot h4{color:#fff;font-size:1rem;margin-bottom:12px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:7px 0}
.foot-legal{border-top:1px solid #2A385A;margin-top:36px;padding-top:20px;font-size:.85rem;color:#93A0B8}
.foot-legal p{margin:.4em 0}
.news{display:flex;gap:8px;margin-top:12px}
.news input{background:#1B2A47;border-color:#2A385A;color:#fff}

/* Cookie banner & sticky CTA */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;background:var(--paper);color:var(--ink);border:1px solid var(--line);border-radius:var(--r-m);box-shadow:var(--shadow);padding:18px;z-index:80;display:none}
.cookie.show{display:block}
.cookie p{font-size:.93rem;margin-bottom:12px}
.cookie .btns{display:flex;gap:8px;flex-wrap:wrap}
.sticky-cta{position:fixed;right:18px;bottom:18px;z-index:70;display:none;box-shadow:var(--shadow)}
.sticky-cta.show{display:inline-flex}
@media (max-width:640px){.sticky-cta{left:12px;right:12px;bottom:12px}}
.modal{position:fixed;inset:0;background:rgba(10,18,33,.55);display:none;place-items:center;z-index:90;padding:16px}
.modal.show{display:grid}
.modal .form-card{max-width:520px;width:100%;position:relative}
.modal .x{position:absolute;right:14px;top:12px}

/* Search results */
.result{padding:16px 0;border-bottom:1px solid var(--line)}
.result a{font-weight:650;font-size:1.1rem}
.kicker{font-size:.88rem;color:var(--ink-3)}
.notice{background:var(--gold-l);border-radius:var(--r-m);padding:16px 18px;color:var(--ink)}
.page-head{padding:clamp(36px,5vw,64px) 0 clamp(20px,3vw,32px);background:var(--mist);border-bottom:1px solid var(--line)}
.page-head .lead{margin-bottom:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.kpi{border-left:4px solid var(--gold);padding-left:14px}
.kpi strong{font-family:var(--f-display);font-size:1.9rem;display:block;line-height:1.1}
.ad-note{font-size:.8rem;color:var(--ink-3);text-align:center;margin:8px 0}
.mob-only{display:none}
@media (max-width:1020px){.nav .mob-only{display:block;font-weight:650;color:var(--ultra)}}
.brand svg{flex:none}
.nav a,.head-actions .btn{white-space:nowrap}
.site-foot .brand svg rect,.site-foot .brand svg path:nth-child(2){fill:#2D3FE0}
.form-card p,.lead-band .form-card p{color:var(--ink-3)}
.lead-band .form-card .hint a{color:var(--ultra)}
@media (max-width:1400px) and (min-width:1021px){.head-actions .btn-ghost{display:none}}
@media (max-width:1240px) and (min-width:1021px){.nav a{padding:8px 8px}}
@media (max-width:640px){.cookie{padding:14px;left:10px;right:10px;bottom:10px}.cookie p{font-size:.86rem;margin-bottom:8px}}