/* RateArk shared design system (Harbor). Home page carries its own inline copy
   because it must stay self-contained around the preserved form blocks. */
:root{
  --sky-top:#d7ecef;--sky-mid:#e9f4ee;--horizon:#fbf3de;--sea:#bfe6df;
  --cream:#f0ead9;--cream-2:#e6dcc4;--tan:#b49f6f;
  --surface:#fffdf8;--ink:#12312f;--sub:#4a635f;--muted:#7a938e;--line:#e8dfcc;--line-soft:#efe8d8;
  --teal:#0e9e8f;--teal-deep:#0b4a47;--teal-ink:#0a3a37;--gold:#e0a12a;--gold-deep:#c1841a;--good:#15926a;
  --w:1120px;--w-narrow:680px;
  --shadow:0 2px 4px rgba(20,46,44,.05),0 22px 44px -22px rgba(20,46,44,.30);
  --shadow-sm:0 1px 2px rgba(20,46,44,.05),0 8px 18px -12px rgba(20,46,44,.20);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:78px}
body{margin:0;background:var(--surface);color:var(--ink);font-family:"Public Sans",system-ui,sans-serif;
  line-height:1.55;font-size:16.5px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3{font-family:"Space Grotesk","Public Sans",sans-serif;margin:0;letter-spacing:-.01em;text-wrap:balance}
a{color:inherit}
img,svg{max-width:100%;display:block}
.wrap{max-width:var(--w);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:10px 14px;border-radius:10px;z-index:99}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:15px;
  border-radius:999px;padding:0 24px;min-height:52px;border:0;cursor:pointer;text-decoration:none;
  transition:background .16s,transform .16s}
.btn--primary{background:var(--gold);color:#3a2b06;box-shadow:0 10px 22px -8px rgba(224,161,42,.8)}
.btn--primary:hover{background:var(--gold-deep);transform:translateY(-2px)}
.btn--ghost{background:var(--surface);border:1px solid var(--line);color:var(--teal-ink)}

.v-hero{background:linear-gradient(180deg,var(--sky-top),var(--sky-mid) 60%,var(--surface));
  padding:46px 0 40px;border-bottom:1px solid var(--line)}
.crumb{font-size:13px;color:var(--sub);margin:0 0 12px}
.crumb a{color:var(--teal-ink);text-decoration:none}
.crumb a:hover{text-decoration:underline}
.v-hero h1{font-size:clamp(27px,4.6vw,44px);line-height:1.08;max-width:18ch}
.v-hero .lede{color:var(--sub);font-size:clamp(16px,2vw,18px);margin:14px 0 0;max-width:62ch}
.v-keys{list-style:none;display:flex;flex-wrap:wrap;gap:10px 26px;margin:20px 0 0;padding:0;font-size:14.5px;
  font-weight:600;color:var(--teal-ink)}
.v-keys li{display:flex;align-items:center;gap:8px}
.v-keys svg{width:17px;height:17px;color:var(--good);flex:0 0 auto}

.sec{padding:56px 0;border-bottom:1px solid var(--line)}
.sec--alt{background:var(--cream)}
.sec__head{max-width:var(--w-narrow);margin:0 auto 30px;text-align:center}
.sec__head h2{font-size:clamp(23px,3.2vw,32px);line-height:1.18}
.sec__head p{color:var(--sub);margin:11px 0 0}

.offers{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}
.offer{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:20px;
  box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:9px}
.offer h3{font-size:18px}
.offer p{font-size:14.5px;color:var(--sub);margin:0}
.offer .btn{margin-top:auto}
.offers-loading,.offers-empty{grid-column:1/-1;text-align:center;color:var(--muted);font-size:15px;
  background:var(--surface);border:1px dashed var(--line);border-radius:18px;padding:34px 20px;margin:0}
.offers-empty b{display:block;color:var(--ink);font-family:"Space Grotesk",sans-serif;margin-bottom:6px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px;
  box-shadow:var(--shadow-sm)}
.step__n{width:36px;height:36px;border-radius:11px;background:var(--teal);color:#fff;font-weight:700;
  font-family:"Space Grotesk",sans-serif;display:grid;place-items:center;margin-bottom:12px}
.step h3{font-size:17px}
.step p{font-size:14.5px;color:var(--sub);margin:7px 0 0}

.qa{border-bottom:1px solid var(--line);padding:13px 0;max-width:var(--w-narrow);margin:0 auto}
.qa summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;
  gap:16px;align-items:flex-start}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";color:var(--teal);font-weight:700;flex:0 0 auto}
.qa[open] summary::after{content:"\2013"}
.qa p{color:var(--sub);font-size:15px;margin:9px 0 0}

.cta-band{background:var(--teal-deep);color:#cfe3de;text-align:center;border-bottom:0}
.cta-band h2{color:var(--surface)}
.cta-band p{color:#bcd4cf;max-width:var(--w-narrow);margin:12px auto 22px}

.ft{background:#0a2e31;color:#bcd3cf;padding:44px 0 36px}
.ft-in{max-width:var(--w);margin:0 auto;padding:0 22px}
.ft-top{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;
  padding-bottom:16px;border-bottom:1px solid rgba(240,234,217,.16)}
.ft .brand-ft{color:#eaf5f2;text-decoration:none;display:inline-flex;align-items:center;gap:9px}
.ft .brand-ft .wm{font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:20px}
.ft-mail{color:#eaf5f2;font-size:14px;word-break:break-word;text-decoration:none}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 18px;padding:16px 0 4px;list-style:none;margin:0}
.legal-links a{color:#bcd3cf;font-size:13px;display:inline-block;padding:4px 0;text-decoration:none}
.legal-links a:hover{color:#eaf5f2;text-decoration:underline}
.disc{font-size:12.5px;line-height:1.7;color:#8fb0ab;max-width:78ch}
.disc b,.disc strong{color:#cfe3df}
.disc a{color:#ffe6ad;text-decoration:underline}
.disc p{margin:9px 0 0}

@media(max-width:900px){.steps{grid-template-columns:1fr}}
@media(max-width:560px){.sec__head h2{font-size:clamp(21px,6vw,26px);text-wrap:pretty}
  .wrap,.ft-in{padding-left:16px;padding-right:16px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* ---- listicle offer cards (Harbor) ---- */
.offers{display:grid;grid-template-columns:1fr;gap:18px;max-width:840px;margin:0 auto}
.offer{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:20px;
  padding:22px;box-shadow:var(--shadow-sm);display:block}
.offer-ribbon{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin:-22px -22px 16px;
  padding:10px 20px;background:linear-gradient(90deg,var(--teal-deep),#0d5c57);color:#dff2ee;
  border-radius:20px 20px 0 0;font-size:12.5px}
.offer-ribbon-badge{background:rgba(255,255,255,.16);color:#fff;font-weight:700;padding:3px 10px;
  border-radius:999px;font-size:11.5px;letter-spacing:.03em;text-transform:uppercase}
.offer-head{display:flex;align-items:center;gap:14px}
.offer-logo{width:96px;height:46px;object-fit:contain;flex:0 0 auto}
.offer-mono{width:46px;height:46px;flex:0 0 auto;border-radius:12px;background:var(--teal-deep);
  color:var(--cream);font-family:"Space Grotesk",sans-serif;font-weight:700;font-size:20px;
  display:grid;place-items:center}
.offer-id{min-width:0;flex:1 1 auto}
.offer-id h3{font-size:17px;line-height:1.25}
.offer-tagline{font-size:13.5px;color:var(--sub);margin:3px 0 0}
.offer-score{flex:0 0 auto;text-align:center;background:var(--cream);border-radius:12px;padding:7px 11px}
.offer-score b{display:block;font-family:"Space Grotesk",sans-serif;font-size:17px;color:var(--teal-ink)}
.offer-score span{font-size:10.5px;color:var(--muted)}
.offer-best{margin:13px 0 0;font-size:13.5px;font-weight:700;color:var(--gold-deep)}
.offer-feats{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px 18px;
  margin:14px 0 0}
.offer-feat{min-width:0}
.offer-feats dt{font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);
  font-weight:700}
.offer-feats dd{margin:2px 0 0;font-size:14.5px;font-weight:600;color:var(--ink)}
.offer-points{margin:13px 0 0;padding-left:18px}
.offer-points li{font-size:14.5px;color:var(--sub);margin-top:5px}
.offer-why{margin:14px 0 0;font-size:14px;color:var(--sub);background:var(--sky-mid);
  border-radius:12px;padding:12px 14px}
.offer-why b{color:var(--ink)}
.offer-act{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin:16px 0 0;
  padding-top:15px;border-top:1px solid var(--line-soft)}
.offer-pill{font-size:12.5px;color:var(--sub);background:var(--cream);border-radius:999px;padding:6px 12px}
.offer-pill b{color:var(--ink)}
.offer-cta{margin-left:auto}
.offer-lock{width:15px;height:15px;flex:0 0 auto}
.offer-cta[data-pending]{background:var(--cream-2);color:var(--sub);box-shadow:none;cursor:default}
.offer-cta[data-pending]:hover{background:var(--cream-2);transform:none}
.offer-secure{flex-basis:100%;text-align:right;font-size:11.5px;color:var(--muted)}
.offer-fine{margin:13px 0 0;font-size:11.5px;line-height:1.6;color:var(--muted)}
@media(max-width:560px){
  .offer{padding:18px}
  .offer-ribbon{margin:-18px -18px 14px;padding:9px 16px}
  .offer-head{flex-wrap:wrap}
  .offer-score{order:3}
  .offer-cta{margin-left:0;width:100%}
  .offer-secure{text-align:center}
}

/* ---- Accessibility fixes on copied offer pages ----
   All inherited from the source sites, where they still fail today. The advertiser's
   brand colour is preserved; only the contrast is corrected, and each fix is scoped to
   the one page it belongs to so it cannot leak onto another advertiser's button.
     endurance  .cta-lg   white on #F26A21 = 3.06:1  ->  #12312f text = 4.55:1
     milestone  hero link white on #9A7B1E = 4.02:1  ->  #90731C bg   = 4.51:1
   policyplug also uses .cta-lg but on blue, where white already passes at 4.87:1,
   which is exactly why these are scoped and not global.                              */
body[data-offer="endurance"] a[rel~="sponsored"].cta-lg{color:#12312f!important}
body[data-offer^="milestone"] .cc-hero{
  background:linear-gradient(135deg,#90731C 0%,#54420E 100%)!important;
}
.offer-review{display:inline-block;margin:12px 0 0;font-size:13.5px;font-weight:600;
  color:var(--teal-ink);text-decoration:underline;text-underline-offset:3px}
.offer-review:hover{color:var(--teal)}