* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Helvetica Neue", Arial, sans-serif;
  color: #1f2a33;
  background-color: #f6f4f1;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
  object-fit: cover;
}

.page {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px 72px;
}

.top-bar {
  background-color: #f0ece7;
  border-bottom: 1px solid #dad3cb;
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 24px;
  max-width: 1180px;
  margin: 0 auto;
}

.brand {
  font-weight: 700;
  letter-spacing: 0.5px;
}

.ad-label {
  font-size: 12px;
  color: #4b535b;
  background-color: #e4ddd6;
  padding: 6px 10px;
  border-radius: 16px;
}

.menu-toggle {
  border: 1px solid #1f2a33;
  background-color: transparent;
  padding: 6px 12px;
  cursor: pointer;
}

.nav-links {
  display: flex;
  gap: 18px;
  align-items: center;
}

.nav-links.is-open {
  display: flex;
}

.headline {
  font-size: 40px;
  line-height: 1.15;
  margin: 0 0 16px;
}

.subhead {
  font-size: 18px;
  line-height: 1.6;
  margin: 0 0 24px;
  color: #404d56;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border: 1px solid #1f2a33;
  background-color: #1f2a33;
  color: #fff;
  border-radius: 24px;
}

.btn-secondary {
  background-color: transparent;
  color: #1f2a33;
}

.inline-link {
  border-bottom: 1px solid #1f2a33;
}

.section {
  margin-top: 56px;
}

.section-title {
  font-size: 28px;
  margin: 0 0 16px;
}

.columns {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}

.column {
  flex: 1 1 320px;
}

.image-frame {
  background-color: #dcd6cf;
  padding: 8px;
}

.tone-1 {
  background-color: #d9d1c7;
}

.tone-2 {
  background-color: #cfd6db;
}

.tone-3 {
  background-color: #e4ddd6;
}

.hero {
  margin-top: 32px;
}

.hero-card {
  background-color: #ffffff;
  padding: 24px;
  border: 1px solid #d4ccc4;
}

.feature-block {
  background-color: #fff;
  padding: 20px;
  border-left: 6px solid #1f2a33;
}

.bg-market {
  background-image: url("https://images.unsplash.com/photo-1460925895917-afdab827c52f?w=1400&q=80");
  background-size: cover;
  background-position: center;
  color: #fff;
  padding: 40px;
}

.bg-market .feature-block {
  background-color: rgba(255, 255, 255, 0.92);
  color: #1f2a33;
}

.bg-insight {
  background-image: url("https://images.unsplash.com/photo-1469474968028-56623f02e42e?w=1400&q=80");
  background-size: cover;
  background-position: center;
  padding: 40px;
}

.card-row {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.card {
  background-color: #fff;
  border: 1px solid #d4ccc4;
  padding: 16px;
  flex: 1 1 220px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.price {
  font-weight: 700;
  font-size: 20px;
}

.sticky-cta {
  position: sticky;
  top: 24px;
  background-color: #1f2a33;
  color: #fff;
  padding: 20px;
  border-radius: 12px;
}

.form-panel {
  background-color: #fff;
  padding: 24px;
  border: 1px solid #d4ccc4;
}

.form-panel label {
  display: block;
  margin-bottom: 6px;
  font-weight: 600;
}

.form-panel input,
.form-panel select,
.form-panel textarea {
  width: 100%;
  padding: 10px;
  margin-bottom: 14px;
  border: 1px solid #b9b1aa;
}

.split-note {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  align-items: center;
}

.legal-list {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  font-size: 14px;
  color: #4b535b;
}

footer {
  margin-top: 64px;
  padding-top: 24px;
  border-top: 1px solid #d4ccc4;
  font-size: 14px;
  color: #4b535b;
}

.cookie-banner {
  position: fixed;
  left: 24px;
  right: 24px;
  bottom: 24px;
  background-color: #ffffff;
  border: 1px solid #d4ccc4;
  padding: 16px;
  display: none;
  gap: 16px;
  align-items: center;
  justify-content: space-between;
  z-index: 10;
}

.cookie-banner.is-visible {
  display: flex;
}

.cookie-actions {
  display: flex;
  gap: 12px;
}

.simple-hero {
  background-color: #fff;
  border: 1px solid #d4ccc4;
  padding: 24px;
  margin-top: 32px;
}

.legal-block {
  background-color: #fff;
  padding: 24px;
  border: 1px solid #d4ccc4;
  margin-top: 24px;
}

@media (max-width: 900px) {
  .nav-links {
    display: none;
    width: 100%;
    flex-direction: column;
    align-items: flex-start;
    padding-top: 12px;
  }
  .nav-wrap {
    flex-wrap: wrap;
  }
  .sticky-cta {
    position: static;
  }
}