*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
    :root{--navy:#121721;--navy2:#202432;--green:#FF5A1F;--green2:#e04a15;--light:#F0F4F8;--white:#FFFFFF;--text:#1A202C;--muted:#64748B;--border:#E2E8F0;--gold:#F59E0B;--radius:12px;--shadow:0 4px 24px rgba(18,23,33,0.08)}
    html{scroll-behavior:smooth}
    body{overflow-x:hidden;font-family:'Inter',sans-serif;color:var(--text);background:var(--white);line-height:1.6}
    a{text-decoration:none;color:inherit}
    .navbar{position:sticky;top:0;z-index:1000;background:var(--navy);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:64px;box-shadow:0 2px 16px rgba(0,0,0,0.18)}
    .nav-logo{font-size:20px;font-weight:800;color:#fff}.nav-logo span{color:var(--green)}
    .nav-links{display:flex;align-items:center;gap:4px}
    .nav-links>a{color:rgba(255,255,255,0.8);font-size:14px;font-weight:500;padding:6px 12px;border-radius:8px;transition:all .2s}
    .nav-links>a:hover{background:rgba(255,255,255,0.1);color:#fff}
    .nav-right{display:flex;align-items:center;gap:12px}
    .nav-cta{background:var(--green);color:#fff;font-weight:700;padding:8px 18px;border-radius:8px;font-size:13px;transition:background .2s}
    .nav-cta:hover{background:var(--green2)}
    .nav-dropdown{position:relative}
    .nav-dropdown-btn{font-size:13px;font-weight:600;padding:6px 12px;border-radius:8px;cursor:pointer;display:flex;align-items:center;gap:5px;background:rgba(255,90,31,0.15);border:1px solid rgba(255,90,31,0.3);color:var(--green);user-select:none}
    .nav-dropdown-btn .caret{font-size:9px;transition:transform .2s}
    .nav-dropdown.open .caret{transform:rotate(180deg)}
    .nav-dropdown-menu{position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1.5px solid var(--border);border-radius:10px;min-width:210px;box-shadow:0 8px 30px rgba(0,0,0,0.14);display:none;z-index:1100;overflow:hidden}
    .nav-dropdown.open .nav-dropdown-menu{display:block}
    .nav-dropdown-menu a{display:flex;align-items:center;gap:9px;padding:10px 15px;font-size:13px;font-weight:600;color:var(--navy);border-bottom:1px solid var(--border);transition:background .15s}
    .nav-dropdown-menu a:last-child{border-bottom:none}
    .nav-dropdown-menu a:hover{background:var(--light);color:var(--green)}
    @media(max-width:768px){.nav-links{display:none}}
    .review-hero{background:linear-gradient(135deg,var(--navy) 0%,#1a2236 60%,var(--navy2) 100%);padding:36px 5% 32px;border-bottom:1px solid rgba(255,255,255,0.06)}
    .breadcrumb-hero{font-size:12px;color:rgba(255,255,255,0.35);margin:0 auto 18px;display:flex;align-items:center;gap:6px;flex-wrap:wrap;max-width:900px}
    .breadcrumb-hero a{color:rgba(255,255,255,0.45);transition:color .15s}.breadcrumb-hero a:hover{color:#fff}
    .hero-grid{display:grid;grid-template-columns:1fr 148px;gap:28px;align-items:start;max-width:900px;margin:0 auto}
    .broker-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,90,31,0.18);border:1px solid rgba(255,90,31,0.35);color:var(--green);font-size:11px;font-weight:700;padding:5px 13px;border-radius:99px;margin-bottom:14px;text-transform:uppercase;letter-spacing:0.6px}
    .review-hero h1{font-size:clamp(22px,3.2vw,34px);font-weight:800;color:#fff;margin-bottom:8px;line-height:1.25}
    .hero-sub{font-size:15px;color:rgba(255,255,255,0.6);margin-bottom:18px;line-height:1.6;max-width:560px}
    .hero-cta-row{display:flex;align-items:center;gap:12px;margin-bottom:20px;flex-wrap:wrap}
    .hero-cta-btn{display:inline-flex;align-items:center;gap:7px;background:var(--green);color:#fff;font-weight:700;font-size:14px;padding:11px 24px;border-radius:9px;transition:background .2s;white-space:nowrap}
    .hero-cta-btn:hover{background:var(--green2)}
    .hero-risk{font-size:11px;color:rgba(255,255,255,0.35);line-height:1.4;max-width:260px}
    .hero-facts{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
    .hero-fact{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.12);color:rgba(255,255,255,0.7);font-size:12px;font-weight:500;padding:5px 11px;border-radius:8px}
    .hero-fact strong{color:#fff;font-weight:700}
    .score-box{background:linear-gradient(160deg,rgba(255,90,31,0.12),rgba(255,90,31,0.04));border:1.5px solid rgba(255,90,31,0.25);border-radius:14px;padding:20px 16px;text-align:center;position:relative;overflow:hidden}
    .score-box::before{content:'';position:absolute;top:-20px;right:-20px;width:80px;height:80px;background:rgba(255,90,31,0.08);border-radius:50%}
    .score-num{font-size:52px;font-weight:900;color:var(--green);line-height:1;letter-spacing:-2px}
    .score-outof{font-size:14px;color:rgba(255,255,255,0.3);font-weight:600}
    .score-stars{color:var(--gold);font-size:15px;margin:4px 0}
    .score-label{font-size:10px;font-weight:700;color:rgba(255,255,255,0.35);text-transform:uppercase;letter-spacing:.5px;margin-top:2px}
    .score-mobile{display:none;align-items:center;gap:10px;margin:0 auto 16px;background:rgba(255,90,31,0.1);border:1px solid rgba(255,90,31,0.2);border-radius:10px;padding:10px 14px;max-width:900px}
    .score-mobile-num{font-size:28px;font-weight:900;color:var(--green);line-height:1}
    .score-mobile-right{display:flex;flex-direction:column;gap:1px}
    .score-mobile-stars{color:var(--gold);font-size:13px}
    .score-mobile-lbl{font-size:10px;color:rgba(255,255,255,0.4);font-weight:700;text-transform:uppercase;letter-spacing:.4px}
    .author-row{display:flex;align-items:center;gap:10px;padding-top:14px;border-top:1px solid rgba(255,255,255,0.08)}
    .author-avatar{width:32px;height:32px;border-radius:50%;background:var(--green);color:white;font-weight:800;font-size:11px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
    .author-info{font-size:11.5px;color:rgba(255,255,255,0.45);line-height:1.4}
    .author-info strong{color:rgba(255,255,255,0.75)}
    .updated-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,0.09);border:1px solid rgba(255,255,255,0.15);color:rgba(255,255,255,0.65);font-size:11px;font-weight:600;padding:3px 10px;border-radius:99px}
    .cta-bar{background:var(--light);border-bottom:1px solid var(--border);padding:12px 5%;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
    .cta-bar-left{font-size:13px;color:var(--muted)}.cta-bar-left strong{color:var(--navy)}
    .cta-btn{background:var(--green);color:#fff;font-weight:700;font-size:14px;padding:10px 24px;border-radius:9px;transition:background .2s;display:inline-flex;align-items:center;gap:7px}
    .cta-btn:hover{background:var(--green2)}
    .risk-note{font-size:11px;color:var(--muted);margin-top:4px;text-align:center}
    .review-layout{max-width:900px;margin:0 auto;padding:36px 5% 64px;display:grid;grid-template-columns:1fr 260px;gap:32px;align-items:start}
    .sidebar{position:sticky;top:80px;display:flex;flex-direction:column;gap:14px}
    .sidebar-card{background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);overflow:hidden}
    .sidebar-card-head{background:var(--navy);padding:13px 18px;font-size:13px;font-weight:700;color:#fff}
    .sidebar-card-body{padding:14px 18px}
    .sidebar-stat{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid var(--border);font-size:12px}
    .sidebar-stat:last-child{border-bottom:none}
    .sidebar-stat .lbl{color:var(--muted)}
    .sidebar-stat .val{font-weight:700;color:var(--navy);text-align:right;max-width:140px;font-size:11.5px}
    .sidebar-btn{display:block;background:var(--green);color:#fff;text-align:center;font-weight:700;font-size:13px;padding:11px;border-radius:9px;margin:0 18px 16px;transition:background .2s}
    .sidebar-btn:hover{background:var(--green2)}
    .toc-links a{display:block;font-size:12px;color:var(--muted);padding:5px 0;border-bottom:1px solid var(--border)}
    .toc-links a:last-child{border-bottom:none}
    .toc-links a:hover{color:var(--green)}
    .review-section{margin-bottom:36px}
    .review-section h2{font-size:19px;font-weight:800;color:var(--navy);margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid var(--border);display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px}
    .section-score{font-size:13px;font-weight:700;color:var(--green);background:rgba(255,90,31,0.08);padding:3px 12px;border-radius:99px;white-space:nowrap}
    .review-section h3{font-size:15px;font-weight:700;color:var(--navy);margin:18px 0 10px}
    .review-section p{font-size:14.5px;color:var(--text);line-height:1.75;margin-bottom:12px}
    .review-section p:last-child{margin-bottom:0}
    .nutshell{background:var(--navy);border-radius:var(--radius);padding:24px 28px;margin-bottom:32px}
    .nutshell-title{font-size:11px;font-weight:700;color:var(--green);text-transform:uppercase;letter-spacing:.8px;margin-bottom:14px}
    .nutshell-list{list-style:none;display:flex;flex-direction:column;gap:10px}
    .nutshell-list li{display:flex;gap:10px;font-size:13.5px;color:rgba(255,255,255,.8);line-height:1.55}
    .nutshell-list li strong{color:#fff}
    .nut-icon{flex-shrink:0;font-size:16px;margin-top:1px}
    .watch-out{background:rgba(245,158,11,0.08);border:1px solid rgba(245,158,11,0.3);border-radius:10px;padding:14px 18px;margin-top:14px}
    .watch-out-title{font-size:11px;font-weight:700;color:#92400e;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
    .watch-out-list{list-style:none;display:flex;flex-direction:column;gap:5px}
    .watch-out-list li{font-size:13px;color:#92400e;display:flex;gap:7px}
    .sub-scores{background:var(--light);border-radius:var(--radius);padding:20px 24px;margin-bottom:32px}
    .sub-scores h3{font-size:12px;font-weight:800;color:var(--navy);text-transform:uppercase;letter-spacing:.5px;margin-bottom:14px}
    .rating-row{display:flex;align-items:center;gap:12px;margin-bottom:9px}
    .rating-row:last-child{margin-bottom:0}
    .rating-label{font-size:13px;font-weight:600;color:var(--navy);width:120px;flex-shrink:0}
    .rating-bar-wrap{flex:1;background:#dde3ea;border-radius:99px;height:7px;overflow:hidden}
    .rating-bar{height:100%;border-radius:99px;background:linear-gradient(90deg,var(--green),#ff8c5a)}
    .rating-val{font-size:13px;font-weight:700;color:var(--navy);width:30px;text-align:right;flex-shrink:0}
    .hl-table{width:100%;border-collapse:collapse;margin:14px 0;font-size:13.5px;border:1.5px solid var(--border);border-radius:var(--radius);overflow:hidden}
    .hl-table tr{border-bottom:1px solid var(--border)}
    .hl-table tr:last-child{border-bottom:none}
    .hl-table td{padding:10px 14px}
    .hl-table td:first-child{font-weight:600;color:var(--navy);background:var(--light);width:38%;border-right:1px solid var(--border)}
    .pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:14px 0}
    .pros-box,.cons-box{border-radius:var(--radius);padding:18px}
    .pros-box{background:rgba(34,197,94,0.06);border:1.5px solid rgba(34,197,94,0.2)}
    .cons-box{background:rgba(239,68,68,0.05);border:1.5px solid rgba(239,68,68,0.15)}
    .pros-box h3{color:#16a34a;font-size:13px;margin-bottom:10px}
    .cons-box h3{color:#dc2626;font-size:13px;margin-bottom:10px}
    .pros-box li,.cons-box li{font-size:13px;color:var(--text);margin-bottom:7px;padding-left:18px;position:relative;list-style:none;line-height:1.5}
    .pros-box li::before{content:'✓';position:absolute;left:0;color:#16a34a;font-weight:700}
    .cons-box li::before{content:'✗';position:absolute;left:0;color:#dc2626;font-weight:700}
    .audit-pillar{border:1.5px solid var(--border);border-radius:var(--radius);margin-bottom:16px;overflow:hidden}
    .audit-head{background:var(--navy);padding:14px 20px;display:flex;align-items:center;gap:12px}
    .audit-icon{font-size:22px;flex-shrink:0}
    .audit-title{font-size:14px;font-weight:800;color:#fff;margin-bottom:1px}
    .audit-sub{font-size:11.5px;color:rgba(255,255,255,0.45)}
    .audit-rows{display:flex;flex-direction:column}
    .audit-row{display:grid;grid-template-columns:200px 1fr;border-top:1px solid var(--border)}
    .audit-label{padding:12px 16px;font-size:12px;font-weight:700;color:var(--navy);background:var(--light);border-right:1px solid var(--border);display:flex;align-items:flex-start;line-height:1.4}
    .audit-val{padding:12px 16px;font-size:13px;color:#374151;line-height:1.65}
    .audit-val strong{color:var(--navy)}
    .audit-val a{color:var(--green);font-weight:600}
    .atag{display:inline-block;font-size:10.5px;font-weight:700;padding:2px 8px;border-radius:99px;margin:2px 2px 2px 0}
    .atag.yes{background:rgba(34,197,94,0.12);color:#15803d;border:1px solid rgba(34,197,94,0.25)}
    .atag.no{background:rgba(239,68,68,0.1);color:#b91c1c;border:1px solid rgba(239,68,68,0.2)}
    .atag.partial{background:rgba(245,158,11,0.12);color:#b45309;border:1px solid rgba(245,158,11,0.25)}
    .bench-table{width:100%;border-collapse:collapse;font-size:13px;margin:14px 0;border:1.5px solid var(--border);border-radius:var(--radius);overflow:hidden}
    .bench-table th{background:var(--navy);color:rgba(255,255,255,0.8);padding:9px 14px;text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.4px;font-weight:700}
    .bench-table td{padding:10px 14px;border-bottom:1px solid var(--border)}
    .bench-table tr:last-child td{border-bottom:none}
    .bench-table td:first-child{font-weight:600;color:var(--navy);background:var(--light)}
    .val-green{color:#16a34a;font-weight:700}
    .val-amber{color:#b45309;font-weight:700}
    .val-red{color:#dc2626;font-weight:700}
    /* ── Rating source cards ── */
    .wb-rating-card{background:var(--light);border:1.5px solid var(--border);border-radius:var(--radius);padding:14px 12px;text-align:center}
    .wb-rating-logo{display:flex;align-items:center;justify-content:center;gap:5px;font-size:11px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
    .wb-rating-score{font-size:26px;font-weight:900;color:var(--navy);line-height:1}
    .wb-rating-stars{font-size:15px;margin:4px 0 2px;min-height:18px}
    .wb-rating-count{font-size:11px;color:var(--muted)}
    /* ── Sentiment praise / complaints blocks ── */
    .wb-sent-blocks{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:4px}
    .wb-sent-block{border-radius:var(--radius);padding:18px 18px}
    .wb-sent-pos{background:#dcfce7;border:1.5px solid #bbf7d0}
    .wb-sent-neg{background:#fee2e2;border:1.5px solid #fecaca}
    .wb-sent-head{font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.6px;margin-bottom:14px}
    .wb-sent-pos .wb-sent-head{color:#15803d}
    .wb-sent-neg .wb-sent-head{color:#b91c1c}
    .wb-theme-item{display:flex;align-items:flex-start;gap:10px;margin-bottom:11px}
    .wb-theme-item:last-child{margin-bottom:0}
    .wb-pill{display:inline-flex;align-items:center;justify-content:center;padding:3px 8px;border-radius:20px;font-size:11px;font-weight:800;flex-shrink:0;min-width:36px}
    .wb-pill-pos{background:#16a34a;color:#fff}
    .wb-pill-neg{background:#dc2626;color:#fff}
    .wb-theme-title{font-size:13px;font-weight:700;color:#121721;margin-bottom:2px}
    .wb-theme-desc{font-size:12px;color:#64748b;line-height:1.4}
    @media(max-width:640px){#wb-rating-cards{grid-template-columns:repeat(2,1fr)!important}.wb-sent-blocks{grid-template-columns:1fr}}
    /* ── Sentiment themes ── */
    .sentiment-box{background:var(--light);border-radius:var(--radius);padding:22px 24px;margin:14px 0}
    .sentiment-box h3{font-size:14px;font-weight:800;color:var(--navy);margin-bottom:14px}
    .sent-cols{display:grid;grid-template-columns:1fr 1fr;gap:16px}
    .sent-col h4{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
    .sent-col.pos h4{color:#16a34a}
    .sent-col.neg h4{color:#dc2626}
    .sent-col ul{list-style:none;display:flex;flex-direction:column;gap:6px}
    .sent-col li{font-size:13px;color:var(--text);line-height:1.5;padding-left:16px;position:relative}
    .sent-col.pos li::before{content:'↑';position:absolute;left:0;color:#16a34a;font-weight:700}
    .sent-col.neg li::before{content:'↓';position:absolute;left:0;color:#dc2626;font-weight:700}
    .sent-source{font-size:11px;color:var(--muted);margin-top:12px;border-top:1px solid var(--border);padding-top:10px}
    .verdict-box{background:rgba(255,90,31,0.05);border:1.5px solid rgba(255,90,31,0.2);border-radius:var(--radius);padding:20px 24px;margin:14px 0}
    .verdict-box h3{font-size:15px;font-weight:800;color:var(--navy);margin-bottom:10px}
    .verdict-box p{font-size:14px;color:var(--text);line-height:1.75;margin:0}
    .cta-block{background:var(--navy);border-radius:var(--radius);padding:28px 32px;text-align:center;margin-top:8px}
    .cta-block .title{font-size:18px;font-weight:800;color:#fff;margin-bottom:8px}
    .cta-block .sub{font-size:13px;color:rgba(255,255,255,0.5);margin-bottom:16px}
    footer{background:#060f1c;padding:24px 5%}
    .footer-row{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-bottom:12px}
    .footer-row p{font-size:12px;color:rgba(255,255,255,0.3)}
    .footer-links{display:flex;gap:20px}.footer-links a{font-size:12px;color:rgba(255,255,255,0.4)}.footer-links a:hover{color:#fff}
    .disclaimer{font-size:11px;color:rgba(255,255,255,0.2);border-top:1px solid rgba(255,255,255,0.05);padding-top:12px;line-height:1.7}
    .disclaimer a{color:rgba(255,255,255,0.4)}
    @media(max-width:768px){
      .review-layout{grid-template-columns:1fr}
      .sidebar{position:static}
      .hero-grid{grid-template-columns:1fr}
      .score-box{display:none}
      .score-mobile{display:flex}
      .hero-cta-row{flex-direction:column;align-items:flex-start;gap:10px}
      .hero-cta-btn{width:100%;justify-content:center}
      .hero-risk{max-width:100%}
      .pros-cons{grid-template-columns:1fr}
      .audit-row{grid-template-columns:1fr}
      .audit-label{border-right:none;border-bottom:1px solid var(--border)}
      .sent-cols{grid-template-columns:1fr}
    }
    .hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px}
    .hamburger span{width:24px;height:2px;background:white;border-radius:2px;transition:transform .25s,opacity .25s}
    .hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
    .hamburger.open span:nth-child(2){opacity:0}
    .hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
    .mobile-menu{display:none;position:fixed;top:64px;left:0;right:0;background:#121721;z-index:998;flex-direction:column;padding:8px 0 20px;box-shadow:0 8px 24px rgba(0,0,0,0.4);border-top:1px solid rgba(255,255,255,0.08)}
    .mobile-menu.open{display:flex}
    .mobile-menu a{color:rgba(255,255,255,0.9);padding:14px 24px;font-size:15px;font-weight:600;border-bottom:1px solid rgba(255,255,255,0.05)}
    .mobile-menu a.mobile-cta{margin:14px 20px 0;background:var(--green);color:#121721;border-radius:10px;text-align:center;border-bottom:none;font-weight:700}
    @media(max-width:768px){.hamburger{display:flex}}