@import url('https://fonts.googleapis.com/css2?family=Unbounded:wght@400;500;600;700;800&family=DM+Sans:wght@400;500;600;700&display=swap');

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

:root{
  --bg-base:#0c0f15;
  --bg-card:#161b25;
  --accent:#c81825;
  --highlight:#d4af37;
  --text:#f3f3f3;
  --muted:#8a8f99;
  --border:#252b36;
  --font-display:'Unbounded',sans-serif;
  --font-body:'DM Sans',sans-serif;
  --radius-sm:6px;
  --radius-md:12px;
  --radius-lg:20px;
  --transition:200ms cubic-bezier(.4,0,.2,1);
  --shadow-lift:0 10px 40px rgba(0,0,0,.45);
  --shadow-glow:0 0 0 1px rgba(200,24,37,.45),0 8px 30px rgba(200,24,37,.18);
}

html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  background:var(--bg-base);
  color:var(--text);
  line-height:1.65;
  font-size:16px;
  min-height:100vh;
  overflow-x:hidden;
  background-image:
    radial-gradient(circle at 12% 8%,rgba(200,24,37,.10),transparent 45%),
    radial-gradient(circle at 88% 92%,rgba(212,175,55,.06),transparent 50%);
}
body::-webkit-scrollbar{width:10px}
body::-webkit-scrollbar-track{background:var(--bg-base)}
body::-webkit-scrollbar-thumb{background:var(--border);border-radius:10px}
body::-webkit-scrollbar-thumb:hover{background:var(--accent)}

h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.15;color:var(--text);letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem);margin-bottom:1rem}
h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-bottom:1rem;margin-top:0}
h3{font-size:clamp(1.15rem,1.8vw,1.4rem);margin-bottom:.6rem}
h4{font-size:1.05rem;margin-bottom:.4rem}
p{margin-bottom:1rem;color:#dcdde0}
strong{color:var(--text);font-weight:600}
a{color:var(--highlight);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--accent)}

.m4f_container{max-width:1200px;margin:0 auto;padding:0 24px}

/* Buttons */
.m4f_btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--font-display);font-weight:600;
  padding:.85rem 1.6rem;border-radius:var(--radius-sm);
  border:1px solid transparent;cursor:pointer;
  transition:all var(--transition);text-decoration:none;
  font-size:.92rem;letter-spacing:.04em;text-transform:uppercase;
  white-space:nowrap;
}
.m4f_btn-primary{background:var(--accent);color:#fff;box-shadow:var(--shadow-glow)}
.m4f_btn-primary:hover{background:#a81320;color:#fff;transform:translateY(-2px)}
.m4f_btn-highlight{background:var(--highlight);color:#1a1208}
.m4f_btn-highlight:hover{background:#e8c247;color:#1a1208;transform:translateY(-2px)}
.m4f_btn-outline{background:transparent;color:var(--text);border:1px solid var(--border)}
.m4f_btn-outline:hover{border-color:var(--highlight);color:var(--highlight)}
.m4f_btn-ghost{background:transparent;color:var(--muted);padding:.5rem .9rem}
.m4f_btn-ghost:hover{color:var(--text)}
.m4f_btn-lg{padding:1.05rem 2rem;font-size:1rem}
.m4f_btn-sm{padding:.55rem 1rem;font-size:.8rem}
.m4f_btn-full{width:100%;display:flex}

/* Navigation */
.m4f_header{
  position:sticky;top:0;z-index:100;
  background:rgba(12,15,21,.92);
  backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--border);
}
.m4f_nav{display:flex;align-items:center;justify-content:space-between;padding:1rem 0;gap:1.5rem}
.m4f_logo{display:flex;align-items:center;gap:.6rem;flex-shrink:0}
.m4f_logo img{height:38px;width:auto}
.m4f_logo span{font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:var(--text);letter-spacing:.05em}
.m4f_nav-links{display:flex;align-items:center;gap:1.8rem;list-style:none}
.m4f_nav-links a{color:var(--muted);font-weight:500;font-family:var(--font-display);font-size:.84rem;letter-spacing:.05em;text-transform:uppercase;transition:color var(--transition)}
.m4f_nav-links a:hover,.m4f_nav-links a.active{color:var(--text)}
.m4f_nav-actions{display:flex;gap:.7rem;align-items:center}
.m4f_nav-toggle{display:none;background:none;border:1px solid var(--border);color:var(--text);padding:.5rem .65rem;border-radius:var(--radius-sm);cursor:pointer}
.m4f_mobile-nav{display:none;flex-direction:column;gap:.2rem;padding:1rem 0;border-top:1px solid var(--border)}
.m4f_mobile-nav.open{display:flex}
.m4f_mobile-nav a{color:var(--text);padding:.75rem 1rem;border-radius:var(--radius-sm);font-family:var(--font-display);font-size:.9rem;text-transform:uppercase}
.m4f_mobile-nav a:hover{background:var(--bg-card)}

/* Ticker */
.m4f_ticker{background:linear-gradient(90deg,var(--accent),#7a0d15);color:#fff;padding:.55rem 0;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.08)}
.m4f_ticker-track{display:flex;gap:3rem;white-space:nowrap;animation:m4f_scroll 38s linear infinite;font-size:.85rem;font-weight:500;font-family:var(--font-display);letter-spacing:.04em;text-transform:uppercase}
@keyframes m4f_scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* Hero - Layout A: split grid */
.m4f_hero{padding:4rem 0 3rem;position:relative;overflow:hidden}
.m4f_hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 20% 30%,rgba(200,24,37,.15),transparent 55%);pointer-events:none}
.m4f_hero-grid{display:grid;grid-template-columns:1fr 400px;gap:3rem;align-items:center;position:relative}
.m4f_hero-tag{display:inline-block;background:rgba(212,175,55,.1);color:var(--highlight);padding:.4rem .85rem;border-radius:99px;font-size:.78rem;font-weight:600;font-family:var(--font-display);text-transform:uppercase;letter-spacing:.08em;margin-bottom:1.2rem;border:1px solid rgba(212,175,55,.25)}
.m4f_hero h1 span{color:var(--accent)}
.m4f_hero-lede{font-size:1.1rem;color:#c2c4c8;margin:1rem 0 1.8rem;max-width:580px}
.m4f_hero-ctas{display:flex;gap:.8rem;flex-wrap:wrap;margin-bottom:1.5rem}
.m4f_hero-meta{display:flex;gap:1.8rem;flex-wrap:wrap;color:var(--muted);font-size:.85rem}
.m4f_hero-meta strong{color:var(--text)}

/* Bonus widget */
.m4f_widget{
  background:linear-gradient(180deg,#1a1f2c 0%,#11141c 100%);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:2rem 1.6rem;
  text-align:center;
  position:relative;
  box-shadow:var(--shadow-lift);
}
.m4f_widget::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--accent),var(--highlight));border-radius:var(--radius-lg) var(--radius-lg) 0 0}
.m4f_widget-label{color:var(--muted);font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;margin-bottom:.6rem;font-family:var(--font-display)}
.m4f_widget-amount{font-family:var(--font-display);font-size:2.1rem;font-weight:800;color:var(--highlight);margin-bottom:.3rem;line-height:1.1}
.m4f_widget-sub{color:#fff;font-weight:600;margin-bottom:1.4rem;font-size:1rem}
.m4f_widget-list{list-style:none;text-align:left;margin:1rem 0 1.4rem;padding:1rem;background:rgba(0,0,0,.25);border-radius:var(--radius-md);border:1px solid var(--border)}
.m4f_widget-list li{padding:.4rem 0;color:var(--muted);font-size:.88rem;display:flex;justify-content:space-between;gap:.5rem;border-bottom:1px dashed var(--border)}
.m4f_widget-list li:last-child{border-bottom:0}
.m4f_widget-list li span:last-child{color:var(--text);font-weight:600}
.m4f_widget-note{font-size:.75rem;color:var(--muted);margin-top:.9rem;line-height:1.5}

/* Trust bar */
.m4f_trustbar{padding:2rem 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:rgba(22,27,37,.4)}
.m4f_trustbar-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;text-align:center}
.m4f_trustbar-item h4{color:var(--highlight);font-size:1.4rem;margin-bottom:.2rem}
.m4f_trustbar-item p{color:var(--muted);font-size:.85rem;margin:0;text-transform:uppercase;letter-spacing:.06em}

/* Section base */
.m4f_section{padding:4rem 0}
.m4f_section-head{margin-bottom:2.5rem;max-width:780px}
.m4f_section-tag{color:var(--accent);font-family:var(--font-display);font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.15em;margin-bottom:.7rem;display:block}
.m4f_section-lede{color:#c2c4c8;font-size:1.05rem}

/* Cards */
.m4f_cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.2rem}
.m4f_card{
  background:var(--bg-card);
  border:1px solid var(--border);
  padding:1.6rem;
  border-radius:var(--radius-md);
  transition:transform var(--transition),border-color var(--transition);
}
.m4f_card:hover{transform:translateY(-4px);border-color:var(--accent)}
.m4f_card-num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--accent);color:#fff;font-family:var(--font-display);font-weight:700;margin-bottom:.9rem}
.m4f_card h3{margin-bottom:.55rem}
.m4f_card p{color:var(--muted);font-size:.93rem;margin:0}

/* Tables */
.m4f_table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius-md);margin:1rem 0}
.m4f_table{width:100%;border-collapse:collapse;min-width:540px}
.m4f_table th,.m4f_table td{padding:1rem 1.1rem;text-align:left;border-bottom:1px solid var(--border);font-size:.93rem}
.m4f_table th{background:rgba(0,0,0,.3);color:var(--highlight);font-family:var(--font-display);font-weight:600;text-transform:uppercase;letter-spacing:.06em;font-size:.78rem}
.m4f_table tr:last-child td{border-bottom:0}
.m4f_table tr:hover td{background:rgba(200,24,37,.04)}
.m4f_table strong{color:var(--text)}

/* Steps */
.m4f_steps{list-style:none;counter-reset:step;display:grid;gap:1rem}
.m4f_steps li{
  background:var(--bg-card);border:1px solid var(--border);
  padding:1.3rem 1.4rem 1.3rem 4.2rem;border-radius:var(--radius-md);
  position:relative;counter-increment:step;
}
.m4f_steps li::before{
  content:counter(step);position:absolute;left:1.1rem;top:1.2rem;
  width:36px;height:36px;border-radius:50%;
  background:var(--accent);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-weight:700;
}
.m4f_steps h3{margin-bottom:.3rem;font-size:1.05rem}
.m4f_steps p{margin:0;color:var(--muted);font-size:.93rem}

/* Two-col layout */
.m4f_two-col{display:grid;grid-template-columns:1fr 1fr;gap:2rem}
.m4f_two-col ul{list-style:none;padding-left:0}
.m4f_two-col li{padding:.5rem 0 .5rem 1.6rem;position:relative;color:#dcdde0;font-size:.95rem}
.m4f_two-col li::before{content:"";position:absolute;left:0;top:.95rem;width:8px;height:8px;background:var(--accent);border-radius:50%}

/* FAQ */
.m4f_faq{display:flex;flex-direction:column;gap:.7rem;max-width:920px;margin:0 auto}
.m4f_faq-item{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);overflow:hidden;transition:border-color var(--transition)}
.m4f_faq-item.open{border-color:var(--accent)}
.m4f_faq-btn{
  width:100%;background:transparent;color:var(--text);border:0;cursor:pointer;
  padding:1.15rem 1.4rem;text-align:left;font-size:1rem;font-weight:600;font-family:var(--font-display);
  display:flex;justify-content:space-between;align-items:center;gap:1rem;
}
.m4f_faq-btn::after{content:"+";font-size:1.5rem;color:var(--accent);transition:transform var(--transition);font-weight:400;flex-shrink:0}
.m4f_faq-item.open .m4f_faq-btn::after{content:"−"}
.m4f_faq-body{max-height:0;overflow:hidden;transition:max-height 300ms ease,padding 300ms ease;padding:0 1.4rem}
.m4f_faq-item.open .m4f_faq-body{max-height:600px;padding:0 1.4rem 1.3rem}
.m4f_faq-body p{margin:0;color:#c2c4c8}

/* Author callout */
.m4f_author-box{display:flex;gap:1.2rem;background:var(--bg-card);border:1px solid var(--border);padding:1.4rem;border-radius:var(--radius-md);align-items:center;margin:2rem 0}
.m4f_avatar{width:64px;height:64px;border-radius:50%;background:linear-gradient(135deg,var(--accent),#7a0d15);display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:700;color:#fff;font-size:1.4rem;flex-shrink:0}
.m4f_author-box h4{margin:0;font-size:1rem}
.m4f_author-box p{margin:.15rem 0 0;color:var(--muted);font-size:.88rem}
.m4f_author-box a{font-size:.85rem;font-weight:600}

/* CTA band */
.m4f_cta-band{
  background:linear-gradient(135deg,#1c1219,#0c0f15);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:3rem 2rem;
  text-align:center;
  margin:3rem 0;
  position:relative;
  overflow:hidden;
}
.m4f_cta-band::before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 50% 100%,rgba(212,175,55,.12),transparent 60%);pointer-events:none}
.m4f_cta-band h2{position:relative;color:var(--highlight)}
.m4f_cta-band p{position:relative;color:#c2c4c8;max-width:520px;margin:0 auto 1.5rem;font-size:1.05rem}
.m4f_cta-band .m4f_btn{position:relative}

/* Footer */
.m4f_footer{background:#080a0f;border-top:1px solid var(--border);padding:3rem 0 1.5rem;margin-top:3rem}
.m4f_footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
.m4f_footer h4{color:var(--text);margin-bottom:.9rem;font-size:.85rem;text-transform:uppercase;letter-spacing:.1em}
.m4f_footer ul{list-style:none}
.m4f_footer li{margin-bottom:.45rem}
.m4f_footer a{color:var(--muted);font-size:.9rem}
.m4f_footer a:hover{color:var(--highlight)}
.m4f_footer-about{color:var(--muted);font-size:.88rem;max-width:380px;margin-top:.8rem;line-height:1.6}
.m4f_footer-bottom{border-top:1px solid var(--border);padding-top:1.4rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;color:var(--muted);font-size:.82rem;align-items:center}
.m4f_age-badge{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border:2px solid var(--accent);color:var(--accent);border-radius:50%;font-weight:700;font-family:var(--font-display);font-size:.8rem;margin-right:.6rem;vertical-align:middle}

/* Sticky mobile CTA */
.m4f_sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:rgba(12,15,21,.97);backdrop-filter:blur(10px);border-top:1px solid var(--border);padding:.75rem 1rem;z-index:90;gap:.5rem;align-items:center}
.m4f_sticky-cta .m4f_btn{flex:1}
.m4f_sticky-cta-info{flex:1;font-size:.78rem;color:var(--muted);line-height:1.3}
.m4f_sticky-cta-info strong{color:var(--highlight);display:block;font-size:.88rem}

/* Animations */
.m4f_animate{opacity:0;transform:translateY(20px);transition:opacity 600ms ease,transform 600ms ease}
.m4f_visible{opacity:1;transform:translateY(0)}

/* Breadcrumb */
.m4f_breadcrumb{padding:1rem 0;font-size:.85rem;color:var(--muted)}
.m4f_breadcrumb a{color:var(--muted)}
.m4f_breadcrumb a:hover{color:var(--highlight)}
.m4f_breadcrumb span{color:var(--text);margin:0 .4rem}

/* Disclosure box */
.m4f_disclosure{background:rgba(212,175,55,.06);border-left:3px solid var(--highlight);padding:1rem 1.2rem;border-radius:var(--radius-sm);margin:1.5rem 0;font-size:.9rem;color:#c2c4c8}
.m4f_disclosure strong{color:var(--highlight)}

/* Article body */
.m4f_article-body p,.m4f_article-body ul,.m4f_article-body ol{margin-bottom:1.1rem}
.m4f_article-body ul,.m4f_article-body ol{padding-left:1.4rem}
.m4f_article-body li{margin-bottom:.4rem;color:#dcdde0}

/* Helpline grid */
.m4f_helpline{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem;margin:1.2rem 0}
.m4f_helpline-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-md);padding:1.2rem;border-left:3px solid var(--accent)}
.m4f_helpline-card h4{color:var(--text);margin-bottom:.3rem;font-size:.95rem}
.m4f_helpline-card p{font-size:.88rem;margin:0;color:var(--muted)}
.m4f_helpline-card a{display:block;color:var(--highlight);font-weight:600;margin-top:.4rem;font-size:.95rem}

/* Responsive */
@media (max-width:1024px){
  .m4f_hero-grid{grid-template-columns:1fr;gap:2rem}
  .m4f_widget{max-width:420px;margin:0 auto}
  .m4f_footer-grid{grid-template-columns:1fr 1fr}
  .m4f_trustbar-grid{grid-template-columns:repeat(2,1fr);gap:1.4rem}
}
@media (max-width:768px){
  .m4f_nav-links{display:none}
  .m4f_nav-toggle{display:block}
  .m4f_two-col{grid-template-columns:1fr;gap:.5rem}
  .m4f_hero{padding:2.5rem 0 2rem}
  .m4f_section{padding:2.8rem 0}
  body{padding-bottom:74px}
  .m4f_sticky-cta{display:flex}
  .m4f_nav-actions .m4f_btn-outline{display:none}
}
@media (max-width:480px){
  .m4f_container{padding:0 18px}
  h1{font-size:1.9rem}
  h2{font-size:1.4rem}
  .m4f_footer-grid{grid-template-columns:1fr}
  .m4f_trustbar-grid{grid-template-columns:1fr 1fr}
  .m4f_hero-tag{font-size:.72rem}
  .m4f_widget{padding:1.6rem 1.2rem}
  .m4f_widget-amount{font-size:1.7rem}
  .m4f_steps li{padding:1.1rem 1rem 1.1rem 3.6rem}
  .m4f_cta-band{padding:2rem 1.2rem}
}