:root{--navy:#0F3D56;--blue:#2563EB;--amber:#F59E0B;--bg:#F8FAFC;--ink:#1E293B;--mute:#64748B;--line:#E2E8F0;--w:#fff;--r:18px}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font:400 1.0625rem/1.7 'Public Sans',system-ui,sans-serif;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Bricolage Grotesque',sans-serif;line-height:1.15;color:var(--navy);letter-spacing:-.02em}
h1{font-size:clamp(2.3rem,6vw,4.2rem);font-weight:800}h2{font-size:clamp(1.8rem,4vw,2.7rem);font-weight:700;margin-bottom:1rem}h3{font-size:1.25rem;font-weight:700;margin-bottom:.5rem}
p{margin-bottom:1rem;max-width:68ch}a{color:var(--blue)}img,svg{max-width:100%}
.wrap{width:min(1180px,92%);margin:auto}.narrow{width:min(820px,92%)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px}
.btn{display:inline-block;padding:.85rem 1.6rem;border-radius:999px;font:600 1rem 'Public Sans',sans-serif;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .25s,box-shadow .25s,background .25s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(15,61,86,.25)}
.btn-amber{background:var(--amber);color:var(--navy)}.btn-blue{background:var(--blue);color:#fff}.btn-ghost{border-color:#fff;color:#fff}
.hdr{position:sticky;top:0;z-index:50;background:rgba(15,61,86,.96);backdrop-filter:blur(8px);transition:box-shadow .3s}.hdr.s{box-shadow:0 6px 24px rgba(0,0,0,.25)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:#fff;font:800 1.35rem 'Bricolage Grotesque',sans-serif}
.nav{display:flex;align-items:center;gap:1.5rem}.nav a{color:#E2E8F0;text-decoration:none;font-weight:500;position:relative}
.nav a:not(.btn)::after{content:"";position:absolute;left:0;bottom:-4px;height:2px;width:0;background:var(--amber);transition:width .3s}.nav a:not(.btn):hover::after{width:100%}
.nav .btn{padding:.6rem 1.2rem;color:var(--navy)}.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer}
.burger i{display:block;width:26px;height:3px;background:#fff;margin:5px auto;border-radius:2px;transition:.3s}
.hero{background:linear-gradient(rgba(15,61,86,.93),rgba(15,61,86,.93)),repeating-linear-gradient(0deg,transparent 0 39px,rgba(248,250,252,.09) 39px 40px),repeating-linear-gradient(90deg,transparent 0 39px,rgba(248,250,252,.09) 39px 40px),var(--navy);color:#fff;padding:clamp(4.5rem,10vw,8rem) 0}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center}.hero h1{color:#fff;margin-bottom:1.2rem}
.sub{color:var(--amber);font-weight:600;margin-bottom:1rem}.lead{font-size:1.2rem;color:#E2E8F0;margin-bottom:2rem}.cta-row{display:flex;gap:1rem;flex-wrap:wrap}
.plan .dr{stroke-dasharray:1;stroke-dashoffset:1;animation:draw 2.2s ease forwards}.d1{animation-delay:.7s!important}.d2{animation-delay:1.4s!important}.d3{animation-delay:2s!important}.d4{animation-delay:2.6s!important}
.pop{opacity:0;animation:fade .6s 3s forwards}@keyframes draw{to{stroke-dashoffset:0}}@keyframes fade{to{opacity:1}}
.sec{padding:clamp(4rem,8vw,7rem) 0}.alt{background:var(--w)}.navy{background:var(--navy);color:#E2E8F0}.navy h2,.navy h3{color:#fff}.navy .sh p{color:#CBD5E1}
.sh{max-width:680px;margin-bottom:3rem}.sh p{color:var(--mute)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}.split.top{align-items:start}
.art{width:100%;height:auto;border-radius:var(--r);box-shadow:0 20px 40px rgba(15,61,86,.15)}
.vm{display:grid;gap:1rem}.vm-i{background:var(--bg);border-left:5px solid var(--blue);padding:1.2rem 1.4rem;border-radius:0 var(--r) var(--r) 0}.vm-i:nth-child(2){border-color:var(--amber)}.vm-i:nth-child(3){border-color:var(--navy)}.vm-i p{margin:0;color:var(--mute)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.card{background:var(--w);border:1px solid var(--line);border-radius:var(--r);padding:1.8rem;transition:transform .3s,box-shadow .3s,border-color .3s}.alt .card{background:var(--bg)}
.card:hover{transform:translateY(-6px);box-shadow:0 18px 36px rgba(15,61,86,.12);border-color:var(--blue)}
.em{display:grid;place-items:center;width:56px;height:56px;border-radius:14px;background:#EAF1FF;font-size:1.7rem;margin-bottom:1rem}.card p{color:var(--mute);margin-bottom:.8rem}.svc a{font-weight:600;text-decoration:none}
.steps{list-style:none;display:grid;grid-template-columns:repeat(5,1fr);gap:1.2rem;position:relative}
.steps::before{content:"";position:absolute;top:26px;left:5%;height:3px;width:90%;background:rgba(255,255,255,.2)}.steps::after{content:"";position:absolute;top:26px;left:5%;height:3px;width:calc(90%*var(--p,0));background:var(--amber);transition:width .2s}
.steps b{position:relative;z-index:1;display:grid;place-items:center;width:54px;height:54px;border-radius:50%;background:var(--amber);color:var(--navy);font:800 1.3rem 'Bricolage Grotesque';margin-bottom:1rem}.steps p{font-size:.95rem;color:#CBD5E1}
.form{background:var(--w);color:var(--ink);padding:clamp(1.4rem,4vw,2.4rem);border-radius:var(--r);display:grid;gap:1rem}.g2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.light{border:1px solid var(--line);box-shadow:0 18px 40px rgba(15,61,86,.08)}.f label{display:block;font-weight:600;font-size:.95rem;margin-bottom:.3rem}
input,select,textarea{width:100%;padding:.8rem 1rem;border:1.5px solid var(--line);border-radius:12px;font:inherit;background:var(--bg);color:var(--ink);transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,99,235,.15)}.hp{position:absolute!important;left:-9999px}.sr{position:absolute;left:-9999px}
.faq{display:grid;gap:.8rem}.q{background:var(--w);border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:border-color .3s}.q.open{border-color:var(--blue)}
.q button{width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem;text-align:left;padding:1.1rem 1.4rem;background:none;border:0;font:600 1.05rem 'Public Sans';color:var(--navy);cursor:pointer}
.q i{flex:none;width:28px;height:28px;border-radius:50%;background:#EAF1FF;position:relative;transition:transform .3s,background .3s}.q i::before,.q i::after{content:"";position:absolute;left:8px;top:13px;width:12px;height:2px;background:var(--blue)}.q i::after{transform:rotate(90deg);transition:.3s}
.q.open i{transform:rotate(180deg);background:var(--blue)}.q.open i::before{background:#fff}.q.open i::after{opacity:0}
.a{max-height:0;overflow:hidden;transition:max-height .4s ease}.a p{padding:0 1.4rem 1.2rem;color:var(--mute);margin:0}
.rev{margin:0;display:flex;flex-direction:column}.stars{color:var(--amber);font-size:1.2rem;letter-spacing:3px;margin-bottom:.8rem}.rev blockquote{flex:1;margin-bottom:1.2rem}
.rev figcaption{display:grid;grid-template-columns:44px 1fr;column-gap:.8rem;align-items:center}.av{grid-row:span 2;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}.rev small{color:var(--mute)}
.cl{list-style:none;display:grid;gap:1rem;margin-top:1.5rem}.cl b{display:block;color:var(--navy)}.cl a{color:var(--ink);text-decoration:none}.cl a:hover{color:var(--blue)}
.page-h{background:var(--navy);color:#fff;padding:clamp(3.5rem,7vw,5.5rem) 0}.page-h h1{color:#fff;font-size:clamp(2rem,5vw,3.2rem)}.page-h p{color:#CBD5E1;margin:.6rem 0 0}
.legal h2{font-size:1.4rem;margin:2rem 0 .6rem}.legal p{color:#334155}
.ftr{background:#0B2F43;color:#CBD5E1}.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.3fr;gap:2.5rem;padding:4rem 0 3rem}
.ftr h3{color:#fff;font-size:1.1rem}.ftr ul{list-style:none}.ftr li{margin-bottom:.5rem}.ftr a{color:#CBD5E1;text-decoration:none}.ftr a:hover{color:var(--amber)}.small{font-size:.92rem}
.sub{}.ftr .sub{display:flex;gap:.5rem;flex-wrap:wrap}.ftr .sub input{flex:1 1 150px}.ftr .sub .btn{padding:.7rem 1.2rem}.unsub{display:inline-block;margin:.8rem 0;font-size:.9rem;text-decoration:underline!important}
.fbar{border-top:1px solid rgba(255,255,255,.12);padding:1.2rem 0;font-size:.92rem}.fbar-in{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}.fbar p{margin:0}.fbar a{margin-left:1.2rem}
.toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,120px);background:var(--navy);color:#fff;padding:1rem 1.5rem;border-radius:14px;border-left:5px solid var(--amber);transition:transform .5s;z-index:99;max-width:90%}.toast.on{transform:translate(-50%,0)}
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s,transform .7s}.rv.in{opacity:1;transform:none}
@media(max-width:960px){.hero-in,.split{grid-template-columns:1fr}.plan{max-width:420px}.grid3{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr 1fr}.steps::before,.steps::after{display:none}.fgrid{grid-template-columns:1fr 1fr}
.burger{display:block}.nav{position:fixed;inset:72px 0 auto 0;flex-direction:column;align-items:flex-start;background:var(--navy);padding:1.5rem 6%;gap:1.1rem;transform:translateY(-130%);transition:transform .4s}.nav.open{transform:none}.burger[aria-expanded=true] i:nth-child(1){transform:translateY(8px) rotate(45deg)}.burger[aria-expanded=true] i:nth-child(2){opacity:0}.burger[aria-expanded=true] i:nth-child(3){transform:translateY(-8px) rotate(-45deg)}}
@media(max-width:620px){.grid3,.g2,.fgrid,.steps{grid-template-columns:1fr}.fbar a{margin:0 1rem 0 0}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}.plan .dr{stroke-dashoffset:0}.pop{opacity:1}}