*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:#1a2733;line-height:1.6;background:#fff;font-size:16px}
h1,h2,h3,h4{color:#0d2e4e;line-height:1.25;margin:0 0 .5em;font-weight:700}
h1{font-size:2.25rem}
h2{font-size:1.7rem}
h3{font-size:1.2rem;font-weight:600}
h4{font-size:1rem}
p{margin:0 0 1em}
ul{padding-left:1.25em;margin:0 0 1em}
a{color:#0466c8;text-decoration:none}
a:hover{text-decoration:underline}
strong{color:#0d2e4e}

.container{max-width:1120px;margin:0 auto;padding:0 20px}
.container-narrow{max-width:780px;margin:0 auto;padding:0 20px}

.header{background:#fff;border-bottom:1px solid #e6ecf2;position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;color:#0d2e4e;font-size:1.1rem}
.logo-icon{width:34px;height:34px;background:linear-gradient(135deg,#0466c8,#0d2e4e);border-radius:8px;display:flex;align-items:center;justify-content:center;color:#fff}
.nav{display:flex;gap:24px;align-items:center}
.nav a{color:#374a5e;font-weight:500;font-size:.95rem}
.nav a:hover{color:#0466c8;text-decoration:none}

.hero{background:linear-gradient(180deg,#f4f8fc 0%,#fff 100%);padding:56px 0 40px}
.hero .container{max-width:1120px}
.hero-eyebrow{display:inline-block;background:#e8f1fa;color:#0466c8;padding:6px 14px;border-radius:20px;font-weight:600;font-size:.8rem;letter-spacing:.4px;margin-bottom:18px}
.hero h1{font-size:2.5rem;max-width:820px;margin-bottom:18px}
.hero-lead{font-size:1.15rem;color:#4a5b6f;max-width:740px;margin-bottom:0}

.trust-bar{display:flex;flex-wrap:wrap;gap:20px;padding:18px 22px;background:#fff;border:1px solid #e6ecf2;border-radius:12px;box-shadow:0 2px 10px rgba(13,46,78,.05);margin-top:28px}
.trust-item{display:flex;align-items:center;gap:8px;color:#1a2733;font-size:.92rem;font-weight:500;flex:1;min-width:180px}
.trust-item svg{color:#10b981;flex-shrink:0}

.section{padding:56px 0}
.section-bg{background:#f4f8fc}
.section-header{text-align:center;max-width:1120px;margin:0 auto 36px}
.section-header h2{font-size:1.9rem}
.section-header p{color:#4a5b6f;font-size:1.05rem}

.grid{display:grid;gap:22px;max-width:1120px;margin:0 auto}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

.card{background:#fff;border:1px solid #e6ecf2;border-radius:12px;padding:24px;box-shadow:0 2px 8px rgba(13,46,78,.04)}

.rank-list{display:flex;flex-direction:column;gap:18px}
.rank-card{display:flex;gap:22px;background:#fff;border:1px solid #e6ecf2;border-radius:14px;padding:26px;box-shadow:0 2px 10px rgba(13,46,78,.05);transition:transform .2s,box-shadow .2s}
.rank-card:hover{transform:translateY(-2px);box-shadow:0 10px 28px rgba(13,46,78,.08)}
.rank-card.featured{border-color:#0466c8;border-width:2px;background:linear-gradient(180deg,#f8fbfe 0%,#fff 60%)}
.rank-number{flex-shrink:0;width:54px;height:54px;background:#e8f1fa;color:#0466c8;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.5rem;font-weight:700}
.rank-card.featured .rank-number{background:linear-gradient(135deg,#0466c8,#0d2e4e);color:#fff}
.rank-content{flex:1;min-width:0}
.rank-title{font-size:1.3rem;margin-bottom:4px}
.rank-title a{color:#0d2e4e}
.rank-tagline{color:#0466c8;font-weight:600;font-size:.92rem;margin-bottom:12px}
.rank-desc{color:#4a5b6f;margin-bottom:14px;font-size:.97rem}
.rank-meta{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:14px;margin-bottom:14px}
.rank-meta li{display:flex;align-items:center;gap:6px;color:#374a5e;font-size:.88rem}
.rank-meta svg{color:#0466c8;flex-shrink:0}
.rank-link{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:#0466c8;font-size:.95rem}
.rank-badge{display:inline-block;background:#fff4d6;color:#a86b00;padding:3px 10px;border-radius:6px;font-size:.75rem;font-weight:700;margin-bottom:10px;letter-spacing:.3px;text-transform:uppercase;border:1px solid #ffe6a3}

.feature{padding:24px;background:#fff;border:1px solid #e6ecf2;border-radius:12px;text-align:left}
.feature-icon{width:46px;height:46px;background:#e8f1fa;color:#0466c8;border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.feature h3{font-size:1.05rem;margin-bottom:6px}
.feature p{font-size:.93rem;color:#4a5b6f;margin:0}

.aides-box{background:#fff;border-radius:14px;padding:32px;box-shadow:0 4px 20px rgba(13,46,78,.06);display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center;max-width:1120px;margin:0 auto}
.aides-box ul{list-style:none;padding:0}
.aides-box li{display:flex;gap:10px;margin-bottom:12px;align-items:flex-start}
.aides-box li svg{color:#10b981;flex-shrink:0;margin-top:4px}

.blog-card{background:#fff;border:1px solid #e6ecf2;border-radius:12px;padding:24px;display:flex;flex-direction:column;height:100%;transition:transform .2s,box-shadow .2s}
.blog-card:hover{transform:translateY(-2px);box-shadow:0 10px 28px rgba(13,46,78,.08)}
.blog-tag{display:inline-block;background:#e8f1fa;color:#0466c8;font-size:.72rem;font-weight:700;padding:4px 10px;border-radius:6px;margin-bottom:14px;align-self:flex-start;text-transform:uppercase;letter-spacing:.5px}
.blog-card h3{font-size:1.1rem;margin-bottom:10px}
.blog-card h3 a{color:#0d2e4e}
.blog-card p{color:#4a5b6f;font-size:.93rem;flex:1}
.blog-card .read-more{font-weight:600;color:#0466c8;align-self:flex-start;font-size:.92rem}

.breadcrumb{padding:18px 0;font-size:.88rem;color:#6b7785}
.breadcrumb a{color:#6b7785}
.breadcrumb a:hover{color:#0466c8}
.breadcrumb-sep{margin:0 8px;color:#a3b1be}

.page-hero{padding:24px 0 20px}
.page-hero h1{font-size:2rem;margin-bottom:10px}
.page-hero .lead{color:#4a5b6f;font-size:1.08rem;max-width:740px}

.info-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;background:#f4f8fc;border:1px solid #e6ecf2;border-radius:12px;padding:22px;margin:28px 0}
.info-item{display:flex;align-items:flex-start;gap:10px;font-size:.95rem}
.info-item svg{color:#0466c8;flex-shrink:0;margin-top:2px}
.info-label{display:block;font-weight:600;color:#0d2e4e;font-size:.82rem;text-transform:uppercase;letter-spacing:.3px;margin-bottom:2px}
.info-value{color:#374a5e}
.info-value a{color:#374a5e}

.content-prose{max-width:780px;margin:0 auto}
.content-prose h2{font-size:1.5rem;margin-top:1.8em;margin-bottom:.6em}
.content-prose h3{font-size:1.15rem;margin-top:1.4em;margin-bottom:.4em}
.content-prose ul{margin:0 0 1.2em;padding-left:1.4em}
.content-prose ul li{margin-bottom:.4em;color:#374a5e}
.content-prose p{color:#374a5e}
.content-prose blockquote{border-left:4px solid #0466c8;padding:10px 18px;margin:1.4em 0;background:#f4f8fc;color:#374a5e;font-style:italic;border-radius:0 8px 8px 0}

.callout{background:#fff8e1;border:1px solid #ffe6a3;border-radius:10px;padding:16px 20px;margin:1.4em 0;color:#5a4710}
.callout-blue{background:#e8f1fa;border-color:#b8d6f1;color:#0d2e4e}

.cta-back{background:linear-gradient(135deg,#0466c8 0%,#0d2e4e 100%);color:#fff;border-radius:14px;padding:32px;text-align:center;margin:48px 0 0}
.cta-back h2{color:#fff;margin-bottom:8px;font-size:1.4rem}
.cta-back p{color:#cce0f4;margin-bottom:20px}
.btn{display:inline-flex;align-items:center;gap:8px;background:#fff;color:#0466c8;padding:13px 26px;border-radius:8px;font-weight:600;text-decoration:none;transition:transform .15s;border:none;cursor:pointer}
.btn:hover{transform:translateY(-1px);text-decoration:none}

.footer{background:#0d2e4e;color:#cce0f4;padding:44px 0 24px;margin-top:64px}
.footer a{color:#cce0f4;font-size:.92rem}
.footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.footer-brand{font-weight:700;color:#fff;font-size:1.05rem;margin-bottom:8px;display:flex;align-items:center;gap:10px}
.footer-tagline{font-size:.88rem;color:#8aa9c6;line-height:1.5}
.footer-col h4{color:#fff;font-size:.92rem;margin-bottom:14px;text-transform:uppercase;letter-spacing:.4px}
.footer-col ul{list-style:none;padding:0}
.footer-col li{margin-bottom:8px}
.footer-bottom{text-align:center;padding-top:24px;margin-top:32px;border-top:1px solid #1d4775;font-size:.82rem;color:#8aa9c6}

@media (max-width:900px){
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-2{grid-template-columns:1fr}
  .hero h1{font-size:1.85rem}
  h1{font-size:1.75rem}
  h2{font-size:1.4rem}
  .rank-card{padding:20px;gap:16px}
  .nav{display:none}
  .aides-box{grid-template-columns:1fr;padding:24px}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:580px){
  .grid-3,.grid-4{grid-template-columns:1fr}
  .rank-card{flex-direction:column}
  .rank-number{width:44px;height:44px;font-size:1.2rem}
  .hero{padding:36px 0 28px}
  .hero h1{font-size:1.6rem}
  .section{padding:40px 0}
  .info-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:24px}
}

.intro-section{padding:48px 0 16px}
.intro-section p{font-size:1.05rem;color:#374a5e;max-width:1120px;margin:0 auto 1.2em}
.intro-section .container{max-width:1120px}

.recap-table-wrap{overflow-x:auto;background:#fff;border:1px solid #e6ecf2;border-radius:12px;box-shadow:0 2px 10px rgba(13,46,78,.04);max-width:1120px;margin:0 auto}
.recap-table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:780px}
.recap-table th,.recap-table td{padding:12px 14px;text-align:left;border-bottom:1px solid #eef2f6;vertical-align:top}
.recap-table th{background:#f4f8fc;color:#0d2e4e;font-weight:600;font-size:.85rem;text-transform:uppercase;letter-spacing:.3px}
.recap-table tr:last-child td{border-bottom:none}
.recap-table tr.row-featured td{background:#f8fbfe}
.recap-table .rank-num{font-weight:700;color:#0466c8;width:36px}

.agency-block{background:#fff;border:1px solid #e6ecf2;border-radius:14px;padding:30px;box-shadow:0 2px 10px rgba(13,46,78,.05);margin:0 auto 24px;max-width:1120px}
.agency-block.featured{border-color:#0466c8;border-width:2px;background:linear-gradient(180deg,#f8fbfe 0%,#fff 60%)}
.agency-block-head{display:flex;gap:18px;align-items:flex-start;margin-bottom:18px}
.agency-block h3{font-size:1.4rem;margin-bottom:4px}
.agency-block h4{font-size:1rem;color:#0d2e4e;margin:1.4em 0 .5em;font-weight:700}
.agency-block .rank-num-big{flex-shrink:0;width:48px;height:48px;background:#e8f1fa;color:#0466c8;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.3rem;font-weight:700}
.agency-block.featured .rank-num-big{background:linear-gradient(135deg,#0466c8,#0d2e4e);color:#fff}
.agency-block .tagline{color:#0466c8;font-weight:600;font-size:.95rem;margin-bottom:0}
.agency-contact{background:#f4f8fc;border-radius:10px;padding:14px 18px;margin-bottom:16px;font-size:.93rem}
.agency-contact ul{list-style:none;padding:0;margin:0}
.agency-contact li{padding:4px 0;color:#374a5e}
.agency-contact li strong{color:#0d2e4e;margin-right:6px}
.agency-block p{color:#374a5e}
.agency-block ul.bullets{padding-left:1.3em}
.agency-block ul.bullets li{margin-bottom:6px;color:#374a5e}
.quote-block{border-left:4px solid #0466c8;padding:12px 18px;margin:16px 0;background:#f4f8fc;color:#374a5e;font-style:italic;border-radius:0 8px 8px 0;font-size:.95rem}

.section-text{max-width:1120px;margin:0 auto}
.section-text p,.section-text ul li{color:#374a5e}
.section-text ul{padding-left:1.3em}
.section-text ul li{margin-bottom:8px}

@media (max-width:580px){
  .agency-block{padding:22px}
  .agency-block-head{gap:14px}
  .agency-block h3{font-size:1.2rem}
}