:root{--navy:#0b2350;--navy2:#132f66;--navy3:#07183a;--gold:#d4a937;--gold2:#b8901f;--goldsoft:#f6ecd0;--cream:#faf7f0;--paper:#fff;--ink:#14213d;--muted:#58627a;--line:#e5dfcf;--ok:#1f7a4d;--r:16px;--r2:24px;--sh:0 1px 2px rgba(11,35,80,.06),0 8px 24px rgba(11,35,80,.08);--max:1180px;--fd:'Cabinet Grotesk','Satoshi',system-ui,sans-serif;--fb:'Satoshi',system-ui,-apple-system,'Segoe UI',sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:400 17px/1.6 var(--fb);color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}a{color:var(--navy2);text-underline-offset:3px}a:hover{color:var(--gold2)}
h1,h2,h3,h4{font-family:var(--fd);line-height:1.1;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(36px,5.4vw,64px);font-weight:800}h2{font-size:clamp(28px,3.6vw,44px);font-weight:800}h3{font-size:clamp(19px,1.8vw,22px);font-weight:700}
p{margin:0 0 1em}.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px;border-radius:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:6px}
.eyebrow{display:inline-flex;gap:8px;align-items:center;font:700 13px/1 var(--fb);letter-spacing:.12em;text-transform:uppercase;color:var(--gold2);margin-bottom:14px}
.eyebrow:before{content:"";width:22px;height:2px;background:currentColor}
.lead{font-size:clamp(17px,1.5vw,20px);color:var(--muted);max-width:62ch}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 26px;border-radius:999px;font:700 16px/1 var(--fb);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,color .15s}
.btn:hover{transform:translateY(-1px)}.btn-gold{background:var(--gold);color:var(--navy3)}.btn-gold:hover{background:#e0b845;color:var(--navy3)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2);color:#fff}
.btn-line{border-color:rgba(255,255,255,.4);color:#fff}.btn-line:hover{border-color:#fff;color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff}
.strip{background:var(--navy3);color:#dfe6f5;font-size:14px;text-align:center;padding:8px 16px}.strip b{color:var(--gold)}
header.top{position:sticky;top:0;z-index:50;background:rgba(250,247,240,.94);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:18px;min-height:70px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);margin-right:auto}
.brand .tile{width:40px;height:40px;border-radius:10px;background:var(--navy);color:var(--gold);display:grid;place-items:center;font:800 15px/1 var(--fd);letter-spacing:.02em;flex:none}
.brand .wm{font:800 19px/1.05 var(--fd);letter-spacing:-.01em}.brand .wm small{display:block;font:500 11.5px/1.3 var(--fb);color:var(--muted);letter-spacing:.02em}
.links{display:flex;gap:4px}.links a{padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:500;font-size:15.5px}.links a:hover,.links a[aria-current]{background:#efe9da;color:var(--navy)}
.nav .btn{min-height:44px;padding:0 20px;font-size:15px}
.pills{display:none}
@media(max-width:980px){.links{display:none}.pills{display:flex;gap:8px;overflow-x:auto;padding:0 22px 12px;scrollbar-width:none}.pills::-webkit-scrollbar{display:none}.pills a{flex:none;padding:9px 14px;border:1px solid var(--line);background:#fff;border-radius:999px;text-decoration:none;color:var(--ink);font-size:14.5px;font-weight:500}.pills a.hi{background:var(--navy);color:#fff;border-color:var(--navy)}.brand .wm{font-size:17px}.brand .wm small{font-size:11px}}
section{padding:clamp(56px,8vw,104px) 0}.alt{background:#fff}.dark{background:var(--navy);color:#e6ecf8}.dark h2,.dark h3{color:#fff}.dark .lead{color:#c3cde2}.dark .eyebrow{color:var(--gold)}
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1d3f84 0%,transparent 60%),linear-gradient(180deg,var(--navy) 0%,var(--navy3) 100%);color:#fff;padding:clamp(40px,6vw,80px) 0 clamp(48px,6vw,88px)}
.hero h1{color:#fff}.hero h1 em{font-style:normal;color:var(--gold)}.hero .lead{color:#cdd6ea}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;border:1px solid rgba(212,169,55,.45);background:rgba(212,169,55,.08);color:#f1dfa8;font-size:14px;margin-bottom:18px}.badge i{width:8px;height:8px;border-radius:50%;background:var(--gold);display:inline-block}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 30px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;border-top:1px solid rgba(255,255,255,.14);padding-top:22px}
.stats b{display:block;font:800 30px/1 var(--fd);color:#fff;margin-bottom:6px}.stats span{font-size:14px;color:#b9c4dc;line-height:1.35;display:block}
.hero-img{position:relative}.hero-img img{border-radius:var(--r2);box-shadow:0 30px 60px rgba(0,0,0,.35);aspect-ratio:4/3;object-fit:cover;width:100%}
.hero-card{position:absolute;left:-22px;bottom:-22px;background:#fff;color:var(--ink);border-radius:16px;padding:14px 16px;box-shadow:var(--sh);display:flex;gap:12px;align-items:center;max-width:290px}
.hero-card .dot{width:38px;height:38px;border-radius:10px;background:var(--goldsoft);display:grid;place-items:center;color:var(--gold2);flex:none}
.hero-card b{display:block;font-size:15px;color:var(--navy)}.hero-card span{font-size:13px;color:var(--muted)}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-card{left:12px;bottom:-18px}}
.logos{background:#fff;border-bottom:1px solid var(--line);padding:26px 0}
.logos p{text-align:center;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px;font-weight:700}
.logo-row{display:flex;flex-wrap:wrap;justify-content:center;gap:12px}
.logo-row div{width:132px;height:62px;border:1px solid var(--line);border-radius:12px;display:grid;place-items:center;padding:10px;background:#fff}
.logo-row img{max-height:38px;max-width:104px;object-fit:contain}
.fine{font-size:13px;color:var(--muted);line-height:1.5}.dark .fine{color:#9fb0d0}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}
.card .ic{width:44px;height:44px;border-radius:12px;background:var(--goldsoft);color:var(--gold2);display:grid;place-items:center;margin-bottom:14px}
.card p{color:var(--muted);margin:0;font-size:16px}.card h3{margin-bottom:6px}
.dark .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12);box-shadow:none}.dark .card p{color:#bcc8e0}.dark .card .ic{background:rgba(212,169,55,.15);color:var(--gold)}
.sec-head{max-width:760px;margin-bottom:38px}.center{text-align:center;margin-left:auto;margin-right:auto}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}@media(max-width:900px){.split{grid-template-columns:1fr;gap:28px}}
.split img{border-radius:var(--r2);aspect-ratio:4/3;object-fit:cover;width:100%;box-shadow:var(--sh)}
.checks{list-style:none;padding:0;margin:0 0 18px}.checks li{position:relative;padding:8px 0 8px 34px;border-bottom:1px dashed var(--line)}.dark .checks li{border-color:rgba(255,255,255,.12)}
.checks li:before{content:"";position:absolute;left:0;top:11px;width:22px;height:22px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2307183a' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/13px no-repeat}
.tag{display:inline-block;font:700 11px/1 var(--fb);letter-spacing:.08em;text-transform:uppercase;padding:5px 8px;border-radius:6px;background:var(--goldsoft);color:var(--gold2);vertical-align:middle;margin-left:6px}
.dark .tag{background:rgba(212,169,55,.18);color:var(--gold)}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(5,1fr);gap:14px}@media(max-width:980px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps{grid-template-columns:1fr}}
.steps li{list-style:none;counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.steps li:before{content:counter(s);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--gold);font:800 16px/1 var(--fd);margin-bottom:12px}
.steps h3{font-size:18px;margin-bottom:4px}.steps p{font-size:15px;color:var(--muted);margin:0}
.rule{border-left:4px solid var(--gold);background:#fff;border-radius:0 var(--r) var(--r) 0;padding:18px 20px}.rule h3{font-size:18px;margin-bottom:4px}.rule p{font-size:15.5px;color:var(--muted);margin:0 0 6px}.rule a{font-size:14px}
.phone{width:290px;max-width:100%;margin:0 auto;background:#0d1426;border-radius:42px;padding:12px;box-shadow:0 40px 80px rgba(0,0,0,.45)}
.screen{background:#f4f6fb;border-radius:32px;overflow:hidden;color:var(--ink);font-size:13px}
.scr-top{background:var(--navy);color:#fff;padding:16px 16px 14px}.scr-top b{font-size:15px;display:block}.scr-top span{font-size:11.5px;color:#b9c4dc}
.scr-body{padding:12px;display:grid;gap:8px}.scr-row{background:#fff;border-radius:12px;padding:10px 12px;display:flex;justify-content:space-between;align-items:center;border:1px solid #e3e7f0}
.scr-row em{font-style:normal;font-size:11px;font-weight:700;padding:3px 7px;border-radius:6px;background:#e6f4ec;color:var(--ok)}.scr-row em.w{background:var(--goldsoft);color:var(--gold2)}
.scr-btn{background:var(--gold);color:var(--navy3);text-align:center;font-weight:800;border-radius:12px;padding:11px}
.price{display:grid;grid-template-columns:1fr 1fr;gap:18px}@media(max-width:720px){.price{grid-template-columns:1fr}}
.price .card{display:flex;flex-direction:column}.price .big{font:800 44px/1 var(--fd);color:var(--navy);margin:8px 0}.dark .price .big{color:#fff}
.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:start}@media(max-width:900px){.form-wrap{grid-template-columns:1fr}}
form.apply{background:#fff;border:1px solid var(--line);border-radius:var(--r2);padding:clamp(20px,3vw,32px);box-shadow:var(--sh)}
.prog{display:flex;gap:8px;margin-bottom:20px}.prog span{flex:1;height:6px;border-radius:6px;background:#ece6d6}.prog span.on{background:var(--gold)}
.steplabel{font-size:13px;color:var(--muted);margin-bottom:6px;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
fieldset{border:0;padding:0;margin:0}.fs{display:none}.fs.on{display:block}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:560px){.row{grid-template-columns:1fr}}
label{display:block;font-weight:700;font-size:15px;margin:14px 0 6px;color:var(--navy)}label .opt{font-weight:400;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],select,textarea{width:100%;min-height:50px;padding:12px 14px;border:1.5px solid #d6d0bf;border-radius:12px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
textarea{min-height:96px}input:focus,select:focus,textarea:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(212,169,55,.35)}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chips label{margin:0;font-weight:500;font-size:15px;color:var(--ink);display:inline-flex;align-items:center;gap:8px;border:1.5px solid #d6d0bf;border-radius:999px;padding:9px 14px;cursor:pointer;background:#fff}
.chips input{accent-color:var(--navy);width:18px;height:18px}.chips label:has(input:checked){border-color:var(--navy);background:#eef2fa}
.agree label{display:flex;gap:10px;font-weight:400;font-size:14.5px;color:var(--ink);line-height:1.5;margin:10px 0;align-items:flex-start}.agree input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--navy)}
.form-nav{display:flex;gap:10px;justify-content:space-between;margin-top:22px}.msg{margin-top:14px;font-weight:700}.msg.err{color:#b42318}.msg.ok{color:var(--ok)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.states{display:flex;flex-wrap:wrap;gap:8px}.states span{background:#fff;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-size:15px}.states span b{color:var(--navy);margin-right:6px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 20px;margin-bottom:10px}
.faq summary{cursor:pointer;font:700 17.5px/1.35 var(--fb);color:var(--navy);padding:14px 26px 14px 0;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:10px;font-size:24px;color:var(--gold2)}.faq details[open] summary:after{content:"–"}
.faq details p{color:var(--muted);margin:0 0 16px}
.tools a.card{text-decoration:none;color:inherit;transition:transform .15s,border-color .15s}.tools a.card:hover{transform:translateY(-2px);border-color:var(--gold)}
.tools .go{display:inline-block;margin-top:12px;font-weight:700;color:var(--navy2);font-size:15px}
.ext{list-style:none;padding:0;margin:0;display:grid;gap:10px}.ext li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}.ext a{font-weight:700}.ext span{display:block;color:var(--muted);font-size:15px}
.final{background:linear-gradient(135deg,var(--navy) 0%,var(--navy3) 100%);color:#fff;text-align:center}.final h2{color:#fff}.final .lead{color:#cdd6ea;margin:0 auto 24px}
footer{background:var(--navy3);color:#b9c4dc;font-size:14.5px;padding:56px 0 36px}footer a{color:#e6ecf8}footer a:hover{color:var(--gold)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;margin-bottom:28px}@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fgrid{grid-template-columns:1fr}}
footer h4{color:#fff;font:700 15px/1.2 var(--fb);margin-bottom:10px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:13px;line-height:1.55;color:#93a3c4}.legal p{margin:0 0 10px}
/* article + tool pages */
.page-hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy3) 100%);color:#fff;padding:clamp(40px,6vw,72px) 0}
.page-hero h1{color:#fff;font-size:clamp(32px,4.6vw,54px)}.page-hero .lead{color:#cdd6ea}.crumbs{font-size:14px;color:#9fb0d0;margin-bottom:14px}.crumbs a{color:#dfe6f5}
.article{max-width:760px;margin:0 auto;padding:clamp(36px,5vw,64px) 22px}
.article h2{font-size:clamp(24px,2.8vw,32px);margin-top:1.6em}.article h3{margin-top:1.4em}.article p,.article li{font-size:18px;line-height:1.7}.article li{margin-bottom:6px}
.article .note{background:var(--goldsoft);border-radius:14px;padding:16px 18px;font-size:16px}.article .note p{font-size:16px;margin:0}
.article blockquote{margin:1em 0;padding:16px 20px;background:#fff;border-left:4px solid var(--gold);border-radius:0 12px 12px 0;font-size:17px}
.meta{font-size:14px;color:#9fb0d0}.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 20px;margin-bottom:24px}.toc b{display:block;margin-bottom:6px;color:var(--navy)}
.src{font-size:14.5px;color:var(--muted);border-top:1px solid var(--line);margin-top:36px;padding-top:16px}.src li{font-size:14.5px}
.tool{background:#fff;border:1px solid var(--line);border-radius:var(--r2);padding:clamp(20px,3vw,32px);box-shadow:var(--sh)}
.result{margin-top:18px;background:var(--cream);border:1px solid var(--line);border-radius:14px;padding:18px}.result h3{margin-bottom:8px}
.out{background:#fff;border:1.5px dashed var(--gold);border-radius:12px;padding:16px;font-size:17px;line-height:1.6}
.tbl{width:100%;border-collapse:collapse;font-size:16px;background:#fff;border-radius:12px;overflow:hidden}.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.tbl th{background:var(--navy);color:#fff;font-size:14px}
.open{color:var(--ok);font-weight:800}.closed{color:var(--muted)}
.blog-list a.card{text-decoration:none;color:inherit}.blog-list a.card:hover{border-color:var(--gold)}.blog-list .k{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold2);font-weight:700;margin-bottom:8px;display:block}
.print-only{display:none}
@media print{header.top,.strip,footer,.no-print,.pills{display:none!important}body{background:#fff;font-size:12pt}.page-hero{background:#fff;color:#000;padding:0 0 10px}.page-hero h1{color:#000}.page-hero .lead,.crumbs{color:#333}.print-only{display:block}.tool,.card{box-shadow:none}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.hero-card .ic{background:none;margin:0;width:auto;height:auto}
[hidden]{display:none!important}.form-wrap>*,.split>*,.hero-grid>*,.grid>*{min-width:0}
a.card{text-decoration:none;color:inherit;display:flex;flex-direction:column}a.card h3{color:var(--navy)}a.card p{color:var(--muted,#5b6578)}a.card .go{margin-top:auto;padding-top:10px;color:var(--navy);font-weight:700}