:root{
  --ink:#0A1B2A; --navy:#0E3355; --navy-800:#124470; --navy-tint:#E7F0F7;
  --go:#0E9F5C; --go-d:#0B8049;                 
  --alert:#E8A317; --alert-tint:#FDF3E0;        
  --gold:#FBBC04;                               
  --text:#17242F; --slate:#465A6B; --muted:#8299A8;
  --line:#E1EAF1; --line-2:#EDF3F8; --bg:#F4F8FB; --white:#fff;
  --container:1180px; --pad:84px; --pad-tight:56px;
  --r:14px; --r-lg:20px; --r-sm:10px;
  --sh-sm:0 2px 10px rgba(10,27,42,.06);
  --sh:0 12px 30px rgba(10,27,42,.10);
  --sh-lg:0 22px 52px rgba(10,27,42,.16);
  --ease:cubic-bezier(.22,.61,.36,1);
}
@font-face{font-family:'Inter Fallback';src:local('Arial');size-adjust:107%;ascent-override:90%;descent-override:22%;line-gap-override:0%}
@font-face{font-family:'Manrope Fallback';src:local('Arial');size-adjust:102%;ascent-override:105%;descent-override:29%;line-gap-override:0%}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font:400 16.5px/1.65 Inter,'Inter Fallback',system-ui,sans-serif;color:var(--text);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{color:var(--go-d)}
h1,h2,h3,h4{font-family:Manrope,'Manrope Fallback',system-ui,sans-serif;color:var(--navy);margin:0 0 .6em;font-weight:800}
h1{font-size:clamp(2.05rem,4.5vw,3.3rem);line-height:1.14;letter-spacing:-.015em}
h2{font-size:clamp(1.65rem,3.1vw,2.4rem);line-height:1.18;letter-spacing:-.012em}
h3{font-size:clamp(1.15rem,1.9vw,1.4rem);line-height:1.28}
h4{font-size:1.02rem;line-height:1.35}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.1em;padding-left:1.15em}
li{margin-bottom:.4em}
strong,b{font-weight:700;color:var(--navy)}
:focus-visible{outline:3px solid var(--go);outline-offset:2px;border-radius:3px}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.wrap{max-width:var(--container);margin:0 auto;padding:0 22px}
.narrow{max-width:760px}
.lead{font-size:1.12rem;color:var(--slate);max-width:60ch}
.muted{color:var(--muted)}
.section{padding:var(--pad) 0}
.section-tight{padding:var(--pad-tight) 0}
.bg-soft{background:var(--bg)}
.bg-navy{background:linear-gradient(160deg,var(--ink),var(--navy) 55%,var(--navy-800));color:#D8E5EF}
.bg-navy h2,.bg-navy h3,.bg-navy h4{color:#fff}
.bg-navy a{color:#9BD9BC}
.eyebrow{font-family:Manrope,'Manrope Fallback',sans-serif;font-size:.8rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--navy-800);display:flex;align-items:center;gap:10px;margin:0 0 .7rem}
.eyebrow::before{content:"";width:26px;height:3px;background:var(--go);border-radius:2px;flex:none}
.bg-navy .eyebrow{color:#9BD9BC}
h2.ul::after{content:"";display:block;width:58px;height:4px;background:var(--go);border-radius:2px;margin-top:.65rem}
.bg-navy h2.ul::after{background:#9BD9BC}
.center{text-align:center}
.center .eyebrow{justify-content:center}
.center h2.ul::after{margin-left:auto;margin-right:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;font-size:1rem;line-height:1;padding:16px 24px;border-radius:var(--r);border:2px solid transparent;cursor:pointer;text-decoration:none;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s}
.btn-go{background:var(--go);color:#fff;box-shadow:0 10px 24px rgba(14,159,92,.28)}
.btn-go:hover{background:var(--go-d);color:#fff;transform:translateY(-2px);box-shadow:0 14px 30px rgba(14,159,92,.38)}
.btn-line{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-line:hover{color:var(--navy);border-color:var(--navy);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn-ghost:hover{color:#fff;background:rgba(255,255,255,.1);transform:translateY(-2px)}
.btn-lg{padding:18px 30px;font-size:1.06rem}
.btn-block{width:100%}
.btn svg{width:18px;height:18px;flex:none}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.4rem 0 0}
.topbar{background:var(--ink);color:#B8CCDC;font-size:.84rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.topbar b{color:#fff}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
.tb-items{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.tb-items span{display:flex;align-items:center;gap:7px}
.tb-items svg{width:15px;height:15px;color:#9BD9BC;flex:none}
header.site{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
header.site.scrolled{box-shadow:var(--sh-sm)}
header.site .wrap{display:flex;align-items:center;gap:26px;padding-top:13px;padding-bottom:13px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;flex:none}
.logo-mark{width:38px;height:38px;border-radius:9px;background:linear-gradient(140deg,var(--navy),var(--navy-800));display:grid;place-items:center;flex:none}
.logo-mark svg{width:21px;height:21px;color:#9BD9BC}
.logo-txt{font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;font-size:1.03rem;color:var(--navy);line-height:1.1;letter-spacing:-.02em}
.logo-txt span{display:block;font-size:.66rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--muted)}
nav.main{margin-left:auto;display:flex;align-items:center;gap:24px}
nav.main a{font-weight:600;font-size:.95rem;color:var(--navy);text-decoration:none;position:relative;padding:4px 0}
nav.main a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--go);transition:right .22s var(--ease)}
nav.main a:hover::after,nav.main a[aria-current]::after{right:0}
.hdr-phone{display:flex;flex-direction:column;line-height:1.15;text-decoration:none}
.hdr-phone small{font-size:.66rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.hdr-phone b{font-family:Manrope,'Manrope Fallback',sans-serif;font-size:1.06rem;font-weight:800;color:var(--navy)}
.hdr-phone:hover b{color:var(--go-d)}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:var(--r-sm);width:46px;height:44px;align-items:center;justify-content:center;cursor:pointer}
.burger svg{width:22px;height:22px;color:var(--navy)}
.hero{position:relative;background:linear-gradient(150deg,var(--ink) 0%,var(--navy) 52%,var(--navy-800) 100%);color:#D8E5EF;overflow:hidden}
.hero-img,.phero-img{background-size:cover;background-position:center right;background-repeat:no-repeat}
@media (max-width:860px){.hero-img,.phero-img{background-position:center}}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(1000px 520px at 88% -8%,rgba(14,159,92,.16),transparent 62%),
  radial-gradient(760px 420px at -6% 105%,rgba(18,68,112,.55),transparent 66%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:start;padding-top:60px;padding-bottom:64px}
.hero h1{color:#fff;margin-bottom:.5em}
.hero h1 .hl{color:#7FD3A8}
.hero-sub{font-size:1.1rem;color:#BFD3E2;max-width:36em;margin-bottom:1.3rem}
.hero-ticks{list-style:none;padding:0;margin:1.5rem 0 0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:11px 22px}
.hero-ticks li{display:flex;gap:9px;align-items:flex-start;font-size:.95rem;color:#CFE0EC;margin:0}
.hero-ticks svg{width:18px;height:18px;color:#3FCB85;flex:none;margin-top:2px}
.hero-note{margin-top:1.5rem;font-size:.9rem;color:#9FB8CA;border-left:3px solid rgba(255,255,255,.2);padding-left:14px}
.trustbar{background:var(--ink);color:#C2D5E3;font-size:.92rem}
.trustbar .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px 22px;padding-top:17px;padding-bottom:17px}
@media (max-width:1020px){.trustbar .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.trustbar .wrap{grid-template-columns:1fr;gap:10px}}
.trustbar div{display:flex;align-items:center;gap:9px}
.trustbar svg{width:21px;height:21px;color:#7FD3A8;flex:none}
.trustbar b{color:#fff}
.qcard{background:#fff;border-radius:var(--r-lg);box-shadow:var(--sh-lg);overflow:hidden;position:relative;color:var(--text)}
.qcard::before{content:"";position:absolute;top:0;left:26px;right:26px;height:5px;background:linear-gradient(90deg,var(--navy),var(--go));border-radius:0 0 4px 4px}
.qcard-in{padding:30px 26px 26px}
.qcard h2{font-size:1.32rem;margin-bottom:.25em}
.qcard .sub{font-size:.93rem;color:var(--slate);margin-bottom:1.15rem}
.prog{display:flex;gap:6px;margin-bottom:1.15rem}
.prog i{height:4px;flex:1;background:var(--line);border-radius:3px;transition:background .25s}
.prog i.on{background:var(--go)}
.step{display:none}
.step.on{display:block;animation:fade .28s var(--ease)}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.step.on{animation:none}}
.step-q{font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;color:var(--navy);font-size:1.02rem;margin:0 0 .85rem}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.tile{display:flex;flex-direction:column;align-items:flex-start;gap:5px;text-align:left;background:#fff;border:1.5px solid var(--line);border-radius:var(--r);padding:14px 13px;cursor:pointer;font:inherit;transition:border-color .16s,background .16s,transform .16s}
.tile:hover{border-color:var(--go);background:#F3FBF7;transform:translateY(-2px)}
.tile b{font-family:Manrope,'Manrope Fallback',sans-serif;font-size:.95rem;color:var(--navy);line-height:1.2}
.tile small{color:var(--muted);font-size:.79rem;line-height:1.35}
.field{margin-bottom:12px}
.field label{display:block;font-size:.84rem;font-weight:700;color:var(--navy);margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--r-sm);background:#fff;color:var(--text)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--go);outline:none;box-shadow:0 0 0 3px rgba(14,159,92,.13)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.back{background:none;border:none;font:inherit;font-size:.86rem;font-weight:700;color:var(--muted);cursor:pointer;padding:6px 0;display:inline-flex;align-items:center;gap:5px}
.back:hover{color:var(--navy)}
.reassure{display:flex;gap:9px;align-items:flex-start;background:#F3FBF7;border:1px solid #CDEEDD;border-radius:var(--r-sm);padding:11px 13px;margin-top:13px;font-size:.85rem;color:#14603C;line-height:1.45}
.reassure svg{width:17px;height:17px;color:var(--go);flex:none;margin-top:2px}
.privacy{font-size:.78rem;color:var(--muted);margin:11px 0 0;line-height:1.5}
.altcall{border-top:1px solid var(--line);margin-top:16px;padding-top:14px;font-size:.9rem;color:var(--slate)}
.altcall a{font-weight:800;color:var(--navy);text-decoration:none}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 24px;transition:transform .22s var(--ease),box-shadow .22s var(--ease)}
.card:hover{transform:translateY(-5px);box-shadow:var(--sh)}
.card h3{margin-bottom:.45em}
.card p:last-child{margin-bottom:0}
.icn{width:50px;height:50px;border-radius:13px;background:var(--navy-tint);display:grid;place-items:center;margin-bottom:15px}
.icn svg{width:25px;height:25px;color:var(--navy-800);fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
a.card{text-decoration:none;color:inherit;display:flex;flex-direction:column}
a.card.has-img{padding:0;overflow:hidden}
a.card.has-img .card-img{aspect-ratio:16/10;overflow:hidden;background:var(--navy-tint)}
a.card.has-img .card-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s var(--ease)}
a.card.has-img:hover .card-img img{transform:scale(1.06)}
a.card.has-img .card-body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
a.card.has-img h3{margin-bottom:.4em}
.arrow{margin-top:auto;padding-top:14px;display:inline-flex;align-items:center;gap:7px;font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;font-size:.92rem;color:var(--go-d);transition:gap .2s var(--ease)}
a.card:hover .arrow{gap:11px}
.arrow svg{width:15px;height:15px}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff;margin:0 0 1.2rem;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:520px}
caption{text-align:left;font-size:.85rem;color:var(--muted);padding:12px 16px 0;caption-side:bottom}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line-2);vertical-align:top}
thead th{background:var(--navy);color:#fff;font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;font-size:.86rem;letter-spacing:.01em;border-bottom:none;position:sticky;top:0}
tbody tr:last-child td{border-bottom:none}
tbody tr:nth-child(even){background:#FAFCFE}
td.num,th.num{font-variant-numeric:tabular-nums;white-space:nowrap}
td.price{font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;color:var(--navy);white-space:nowrap}
.tbl-note{font-size:.86rem;color:var(--muted);margin:-.4rem 0 1.6rem}
.panel{border-radius:var(--r-lg);padding:24px 26px;margin:0 0 1.5rem}
.panel h3{margin-bottom:.4em}
.panel p:last-child,.panel ul:last-child{margin-bottom:0}
.panel-answer{background:#F3FBF7;border:1px solid #CDEEDD}
.panel-answer h3{color:#0B6640}
.panel-warn{background:var(--alert-tint);border:1px solid #F3D9A0}
.panel-warn h3{color:#8A5B08}
.panel-warn .icn-warn{width:34px;height:34px;border-radius:9px;background:var(--alert);display:grid;place-items:center;margin-bottom:12px}
.panel-warn .icn-warn svg{width:19px;height:19px;color:#fff;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round}
.panel-quote{background:var(--navy-tint);border-left:4px solid var(--navy-800)}
.src{font-size:.82rem;color:var(--muted);font-style:normal;display:block;margin-top:.6rem}
.src b{color:var(--slate);font-weight:700}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:26px;text-align:center}
.stat b{display:block;font-family:Manrope,'Manrope Fallback',sans-serif;font-size:clamp(1.9rem,3.6vw,2.9rem);font-weight:800;color:#fff;line-height:1.05}
.stat b i{font-style:normal;color:#7FD3A8}
.stat span{display:block;font-size:.93rem;color:#B9CEDD;margin-top:8px;line-height:1.45}
.stat cite{display:block;font-size:.76rem;color:#7F9AAE;font-style:normal;margin-top:6px}
.network-trust .lead{color:#C7DAE7;max-width:62ch}
.ntrust-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:2rem}
.ntrust{background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.10);border-radius:12px;
  padding:20px 16px 16px;text-align:center;display:flex;flex-direction:column;align-items:center}
.ntrust-logo{height:34px;width:auto;max-width:132px;object-fit:contain;background:#fff;
  border-radius:6px;padding:6px 10px;margin-bottom:14px}
.ntrust span.ntrust-word{display:flex;align-items:center;justify-content:center;color:#0E3355;
  font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;font-size:.82rem;margin-top:0;
  letter-spacing:-.01em;text-align:center;line-height:1.15;min-width:112px}
.ntrust b{font-family:Manrope,'Manrope Fallback',sans-serif;font-size:clamp(1.5rem,2.6vw,2.05rem);
  font-weight:800;color:#fff;line-height:1.05}
.ntrust span{font-size:.88rem;color:#B9CEDD;margin-top:6px}
.ntrust cite{font-size:.75rem;color:#7F9AAE;font-style:normal;margin-top:8px}
.ntrust-note{font-size:.82rem;color:#8FA8BA;margin-top:1.6rem;max-width:78ch;line-height:1.6}
@media (max-width:1020px){.ntrust-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:760px){.ntrust-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}}
@media (max-width:420px){.ntrust-logo{height:28px}.ntrust{padding:16px 12px 14px}}
.promises{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.promises li{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;margin:0}
.promises svg{width:22px;height:22px;color:var(--go);flex:none;margin-top:2px}
.promises b{display:block;font-family:Manrope,'Manrope Fallback',sans-serif;font-size:1rem;color:var(--navy);margin-bottom:3px;line-height:1.3}
.promises span{font-size:.9rem;color:var(--slate);line-height:1.5}
.steps{counter-reset:s;display:grid;gap:22px}
.steps li{counter-increment:s;position:relative;padding-left:62px;margin:0;list-style:none}
.steps li::before{content:"0" counter(s);position:absolute;left:0;top:-4px;font-family:Manrope,'Manrope Fallback',sans-serif;font-size:1.65rem;font-weight:800;color:var(--go);background:var(--navy-tint);width:46px;height:46px;border-radius:12px;display:grid;place-items:center;font-size:1.1rem}
.steps h3{margin-bottom:.3em}
.steps p{margin-bottom:0;color:var(--slate);font-size:.96rem}
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:19px 44px 19px 0;position:relative;font-family:Manrope,'Manrope Fallback',sans-serif;font-weight:800;font-size:1.03rem;color:var(--navy);line-height:1.4}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:400;color:var(--go);line-height:1;transition:transform .2s}
.faq details[open] summary::after{content:"\2013"}
.faq .ans{padding:0 0 20px;color:var(--slate)}
.faq .ans p:last-child{margin-bottom:0}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;box-shadow:var(--sh-sm)}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.calc-out{background:linear-gradient(150deg,var(--ink),var(--navy));border-radius:var(--r);padding:22px 24px;color:#CFE0EC;margin-top:20px}
.calc-out .figure{font-family:Manrope,'Manrope Fallback',sans-serif;font-size:clamp(1.7rem,4vw,2.5rem);font-weight:800;color:#fff;line-height:1.1}
.calc-out .figure em{font-style:normal;color:#7FD3A8}
.calc-out p{font-size:.88rem;margin:.6rem 0 0;color:#A9C2D4}
.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg button{flex:1;min-width:110px;font:inherit;font-weight:700;font-size:.92rem;padding:11px 12px;border:1.5px solid var(--line);background:#fff;color:var(--slate);border-radius:var(--r-sm);cursor:pointer;transition:.16s}
.seg button[aria-pressed="true"]{border-color:var(--go);background:#F3FBF7;color:#0B6640}
.phero{background:linear-gradient(150deg,var(--ink),var(--navy) 60%,var(--navy-800));color:#CFE0EC;padding:44px 0 50px}
.phero-img .lead,.phero-img .crumb{text-shadow:0 1px 14px rgba(10,27,42,.55)}
.phero h1{color:#fff;margin-bottom:.4em}
.phero .lead{color:#BFD3E2;max-width:56ch}
.crumb{font-size:.84rem;color:#8FAABE;margin-bottom:1rem}
.crumb a{color:#BFD3E2;text-decoration:none}
.crumb a:hover{color:#fff;text-decoration:underline}
.crumb span{margin:0 7px;opacity:.5}
.meta-line{font-size:.84rem;color:#8FAABE;margin-top:1rem;display:flex;gap:16px;flex-wrap:wrap}
.prose{max-width:none}
.prose h2{margin-top:2.4rem}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.8rem}
.prose ul li::marker{color:var(--go)}
.prose .tbl-wrap{margin-top:1.4rem}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:20px 24px;margin:0 0 2rem}
.toc b{display:block;font-family:Manrope,'Manrope Fallback',sans-serif;color:var(--navy);margin-bottom:.6rem;font-size:.95rem}
.toc ol{margin:0;padding-left:1.15em;font-size:.95rem}
.toc a{color:var(--navy);text-decoration:none}
.toc a:hover{color:var(--go-d);text-decoration:underline}
.pills{display:flex;flex-wrap:wrap;gap:9px;padding:0;margin:0;list-style:none}
.pills li{margin:0}
.pills a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 17px;font-size:.92rem;font-weight:600;color:var(--navy);text-decoration:none;transition:.16s}
.pills a:hover{background:#F3FBF7;border-color:var(--go);color:var(--go-d)}
.ctaband{background:linear-gradient(135deg,var(--ink),var(--navy-800));color:#CFE0EC;text-align:center}
.ctaband h2{color:#fff}
.ctaband .lead{color:#BFD3E2;margin:0 auto 1.6rem;max-width:56ch}
.ctaband .cta-row{justify-content:center}
.ctaband .rr{margin-top:1.1rem;font-size:.9rem;color:#9FB8CA}
footer.site{background:var(--ink);color:#9FB8CA;font-size:.93rem;padding:56px 0 26px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}
footer.site h4{color:#fff;font-size:.92rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:1rem}
footer.site a{color:#BFD3E2;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:.6em}
.fbot{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.84rem;color:#7F9AAE}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;grid-template-columns:1fr 1fr;gap:10px;padding:.6rem 14px calc(.6rem + env(safe-area-inset-bottom));background:rgba(255,255,255,.93);backdrop-filter:saturate(150%) blur(10px);border-top:1px solid rgba(10,27,42,.12);box-shadow:0 -6px 22px rgba(10,27,42,.1);transform:translateY(115%);transition:transform .28s var(--ease);pointer-events:none}
.mbar.up{transform:none;pointer-events:auto}
.mbar .btn{min-height:56px;padding:14px 12px;font-size:.98rem}
@media (prefers-reduced-motion:reduce){.mbar{transition:none}}
.dbar{position:fixed;right:22px;bottom:22px;z-index:65;display:none;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:14px 18px;transform:translateY(140%);transition:transform .3s var(--ease);max-width:420px}
.dbar.up{transform:none}
.dbar b{font-family:Manrope,'Manrope Fallback',sans-serif;color:var(--navy);font-size:.96rem;display:block;line-height:1.25}
.dbar small{color:var(--muted);font-size:.8rem}
@media (min-width:961px){.dbar{display:flex}}
@media (prefers-reduced-motion:reduce){.dbar{transition:none}}
.js .rv{opacity:0;transform:translateY(24px)}
.js .rv.in{opacity:1;transform:none;transition:opacity .65s var(--ease),transform .65s var(--ease)}
.js .rv-1{transition-delay:.08s}.js .rv-2{transition-delay:.16s}.js .rv-3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){.js .rv{opacity:1;transform:none;transition:none}}
.stars{display:inline-flex;gap:2px;vertical-align:middle}
.stars svg{width:17px;height:17px}
.stars .s-bg{fill:#DCE5EC}.stars .s-fg{fill:var(--gold)}
@media (max-width:1020px){
  .hero .wrap{grid-template-columns:1fr;gap:34px;padding-top:44px;padding-bottom:54px}
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stats{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px 20px}
  footer.site .cols{grid-template-columns:1fr 1fr;gap:28px}
  .hdr-phone{display:none}
}
@media (max-width:860px){
  :root{--pad:58px;--pad-tight:42px}
  nav.main{display:none}
  nav.main.open{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh);padding:8px 22px 18px;max-height:calc(100vh - 110px);overflow-y:auto}
  nav.main.open a{padding:14px 0;border-bottom:1px solid var(--line-2);font-size:1rem}
  .burger{display:flex}
  .g3,.g2{grid-template-columns:1fr}
  .mbar{display:grid}
  body{padding-bottom:calc(80px + env(safe-area-inset-bottom))}
  .dbar{display:none!important}
  .topbar .tb-items:first-child{display:none}
  .topbar .wrap{justify-content:center;padding-top:7px;padding-bottom:7px}
  header.site .wrap > .btn{display:none}
  header.site .wrap{gap:12px}
  .burger{margin-left:auto}
  .hero .wrap{display:grid;grid-template-columns:1fr;padding-top:26px;padding-bottom:40px}
  .hero-col{display:contents}
  .hero h1{order:-2;margin-bottom:.45em}
  .hero-form{order:-1;margin-bottom:1.5rem}
  .hero-sub,.hero-ticks,.hero-note{order:0}
  .hero h1{font-size:clamp(1.45rem,5.6vw,1.9rem);line-height:1.2}
  .hero-sub{font-size:1rem}
  .qcard-in{padding:22px 19px 20px}
  .qcard h2{font-size:1.14rem}
  .qcard .sub{font-size:.88rem;margin-bottom:.85rem}
  .prog{margin-bottom:.9rem}
  .step-q{font-size:.97rem;margin-bottom:.7rem}
  .tile{padding:12px 12px}
  .hero-ticks{grid-template-columns:1fr}
}
@media (max-width:560px){
  .tiles{grid-template-columns:1fr}
  .field-row,.calc-row{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr;gap:26px}
  footer.site .cols{grid-template-columns:1fr}
  .cta-row .btn{width:100%}
  .trustbar .wrap{gap:12px}
  .trustbar div{font-size:.88rem}
}
@media print{header.site,.mbar,.dbar,.topbar,.ctaband,footer.site{display:none!important}}