:root{--navy:#0b2f6b;--blue:#1d4fa3;--blue-50:#eef3fb;--gold:#f6c744;--gold-d:#e0ac12;--ink:#16202e;--muted:#4a5568;--line:#d9e1ec;--bg:#fff;--soft:#f6f8fc;--r:18px;--qbar:64px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;font:400 1.125rem/1.7 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:calc(var(--qbar) + env(safe-area-inset-bottom))}
@media (min-width:900px){body{padding-bottom:0}}
img,svg{max-width:100%;height:auto}
a{color:var(--blue);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--navy);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:6px}
h1,h2,h3{color:var(--navy);line-height:1.2;letter-spacing:-.01em;font-weight:700}
h1{font-size:clamp(2rem,4.5vw,3.1rem);margin:.2em 0 .45em}
h2{font-size:clamp(1.5rem,3vw,2rem);margin:1.6em 0 .6em}
h2:first-child{margin-top:0}
h3{font-size:1.2rem;margin:1.4em 0 .35em}
p,ul,ol{margin:0 0 1.1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.narrow{max-width:780px}
.center{text-align:center;justify-content:center}
.skip{position:absolute;left:-9999px;top:8px;background:var(--navy);color:#fff;padding:12px 18px;border-radius:10px;z-index:100}
.skip:focus{left:12px}
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;gap:18px;min-height:72px;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:10px;color:var(--navy);text-decoration:none;font-size:1.15rem;font-weight:600;white-space:nowrap}
.brand b{font-weight:800}
.menu-btn{margin-left:auto;min-height:48px;padding:0 18px;border:1.5px solid var(--navy);border-radius:999px;background:#fff;color:var(--navy);font:600 1rem system-ui,sans-serif;cursor:pointer}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
.nav a{display:block;padding:12px 12px;border-radius:10px;color:var(--ink);text-decoration:none;font-size:1rem}
.nav a:hover{background:var(--blue-50)}
.nav a[aria-current=page]{color:var(--navy);font-weight:700;background:var(--blue-50)}
.top-cta{display:none;gap:8px}
.nav{display:none;width:100%}
.nav.open{display:block}
.nav ul{flex-direction:column;padding-bottom:12px}
@media (min-width:900px){.top-cta{display:flex;flex:none;margin-left:auto;order:2}.menu-btn{margin-left:0;order:3}.nav{order:4}.top-in{flex-wrap:wrap}}
@media (min-width:900px) and (max-width:1399px){.top-cta .btn-text{display:none}}
@media (min-width:900px) and (max-width:1239px){.top-cta .btn-ghost{display:none}}
@media (min-width:1100px){
 .menu-btn{display:none}.js .nav,.nav{display:block;width:auto;margin-left:auto}.nav ul{flex-direction:row;padding:0;flex-wrap:nowrap}
 .top-in{flex-wrap:nowrap;gap:12px}.nav a{white-space:nowrap;padding:10px 9px;font-size:.98rem}.brand,.mark{flex:none}.top-cta{margin-left:0}
}
@media (min-width:1100px) and (max-width:1399px){.nav a{padding:10px 6px;font-size:.92rem}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:12px 24px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;font-size:1.05rem;line-height:1.2;cursor:pointer;font-family:inherit;transition:background .15s,border-color .15s}
.btn-sm{min-height:48px;padding:8px 16px;font-size:.95rem}
.btn-lg{min-height:58px;padding:14px 30px;font-size:1.12rem}
.btn-gold{background:var(--gold);color:var(--navy);border-color:var(--gold-d)}
.btn-gold:hover{background:#ffd75e;color:var(--navy)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--blue-50);color:var(--navy)}
.btn[disabled]{opacity:.7;cursor:wait}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.4em 0 1em}
.hero{background:linear-gradient(180deg,var(--blue-50),#fff);padding:64px 0 56px}
.hero-sm{padding:44px 0 36px}
.hero-grid{display:grid;gap:40px;align-items:center}
@media (min-width:900px){.hero-grid{grid-template-columns:1.3fr 1fr}}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;font-weight:700;color:var(--blue);margin:0}
.lead{font-size:1.25rem;color:#243042;max-width:62ch}
.why{border-left:4px solid var(--gold);padding:6px 0 6px 16px;color:var(--muted);font-size:1.02rem}
.small{font-size:1rem;color:var(--muted)}
.muted{color:var(--muted)}
.why-card{list-style:none;margin:0;padding:28px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 10px 30px rgba(11,47,107,.08)}
.why-card li{padding:10px 0 10px 34px;position:relative;border-bottom:1px solid var(--line)}
.why-card li:last-child{border:0}
.why-card li::before{content:"";position:absolute;left:4px;top:18px;width:14px;height:14px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px #fdf1c9}
.sec{padding:64px 0}
.soft{background:var(--soft)}
.band{background:var(--navy);color:#fff}
.band h2{color:#fff}.band p{color:#e6ecf7}
.band .btn-ghost{background:transparent;color:#fff;border-color:#fff}
.band a:not(.btn){color:#fff;text-decoration-color:var(--gold)}
.band .btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.sub{color:var(--muted);max-width:62ch}
.cards{list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(230px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;position:relative;transition:box-shadow .15s,border-color .15s}
.card:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(11,47,107,.08)}
.card h3{margin:0 0 .3em;font-size:1.12rem}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a::after{content:"";position:absolute;inset:0}
.card p{margin:0;color:var(--muted)}
.steps{padding-left:1.4em}.steps li{margin:.5em 0;padding-left:.3em}
.steps.big li{margin:1em 0}
.checks{list-style:none;padding:0}
.checks li{position:relative;padding-left:32px;margin:.6em 0}
.checks li::before{content:"";position:absolute;left:2px;top:.45em;width:16px;height:9px;border-left:3px solid var(--blue);border-bottom:3px solid var(--blue);transform:rotate(-45deg)}
.ptable{width:100%;border-collapse:collapse;margin:1em 0 1.6em;background:#fff;border-radius:12px;overflow:hidden;border:1px solid var(--line)}
.ptable caption{text-align:left;font-weight:700;color:var(--navy);padding:0 0 8px}
.ptable th,.ptable td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line)}
.ptable thead th{background:var(--blue-50);color:var(--navy);font-size:.95rem}
.ptable td:last-child,.ptable th:last-child{text-align:right;white-space:nowrap}
.plans{list-style:none;padding:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.plan{border:1px solid var(--line);border-radius:var(--r);padding:24px}
.plan-hi{border:2px solid var(--gold-d);background:#fffbeb}
.plan h3{margin-top:0}.price{font-size:2rem;font-weight:800;color:var(--navy);margin:.2em 0}.price span{font-size:1rem;font-weight:500;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:12px 0 0;margin:0;font-size:.95rem}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--muted)}
.foot{background:var(--soft);border-top:1px solid var(--line);padding:56px 0 24px;font-size:1rem}
.foot-grid{display:grid;gap:32px}
@media (min-width:900px){.foot-grid{grid-template-columns:1.4fr 1fr 1fr}}
.foot-h{font-size:1.05rem;margin:0 0 .6em}
.foot-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:4px 20px}
.foot-list li{margin:0}
.foot-list a{display:flex;align-items:center;padding:6px 0;min-height:44px;line-height:1.3}
.foot-base{border-top:1px solid var(--line);margin-top:32px;padding-top:16px;color:var(--muted)}
.brand-foot{margin-bottom:.6em}
.qbar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:grid;grid-template-columns:1fr 1fr 1fr 1.4fr;gap:6px;padding:8px 8px calc(8px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(11,47,107,.10)}
.qbar a{display:flex;align-items:center;justify-content:center;gap:6px;min-height:48px;border-radius:12px;border:1.5px solid var(--navy);color:var(--navy);text-decoration:none;font-weight:700;font-size:.98rem;background:#fff}
.qbar a.q-main{background:var(--gold);border-color:var(--gold-d)}
@media (min-width:900px){.qbar{display:none}}
/* calculator */
.calc-grid{display:grid;gap:32px}
@media (min-width:980px){.calc-grid{grid-template-columns:1.5fr 1fr;align-items:start}}
fieldset{border:1px solid var(--line);border-radius:var(--r);padding:20px 20px 12px;margin:0 0 20px}
legend{font-weight:700;color:var(--navy);font-size:1.15rem;padding:0 8px;display:flex;align-items:center;gap:10px}
.stepn{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-size:.95rem}
.opts{display:grid;gap:10px}
.opt{display:flex;align-items:center;gap:14px;min-height:56px;padding:10px 16px;border:1.5px solid var(--line);border-radius:14px;cursor:pointer;background:#fff}
.opt:hover{border-color:var(--blue)}
.opt:has(input:checked){border-color:var(--blue);background:var(--blue-50)}
.opt input{width:22px;height:22px;accent-color:var(--blue);flex:none;margin:0}
.opt-t{flex:1}.opt-t small{display:block;color:var(--muted);font-size:.92rem}
.opt-p{font-weight:700;color:var(--navy);white-space:nowrap}
.opt.is-off{opacity:.55}
.hint{color:var(--muted);font-size:1rem;margin:.6em 0}
.summary{position:sticky;top:96px}
.sum-in{border:2px solid var(--navy);border-radius:var(--r);padding:24px;background:#fff}
.sum-in h2{margin:0 0 .6em;font-size:1.4rem}
.sum-list{list-style:none;padding:0;margin:0 0 1em}
.sum-list li{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line)}
.sum-total{font-size:1.4rem;font-weight:800;color:var(--navy);display:flex;justify-content:space-between;margin:0}
.pay-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.err-box{background:#fdecec;border:1.5px solid #b42318;color:#7a1610;padding:12px 16px;border-radius:12px}
/* form */
.qform{display:grid;gap:4px}
.field{margin:0 0 16px;border:0;padding:0}
.field>label,.field>legend{display:block;font-weight:700;margin-bottom:6px;color:var(--ink);font-size:1.05rem;padding:0}
.opt-l{font-weight:400;color:var(--muted)}
input,select,textarea{width:100%;font:inherit;font-size:1.0625rem;padding:12px 14px;min-height:52px;border:1.5px solid #8794a8;border-radius:12px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--blue)}
.inline{display:inline-flex;align-items:center;gap:8px;margin:0 18px 0 0;min-height:48px;font-weight:400}
.inline input{width:22px;height:22px;min-height:0;accent-color:var(--blue)}
[aria-invalid=true]{border-color:#b42318}
.ferr{color:#b42318;font-size:1rem;margin:6px 0 0}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.proc{padding-left:1.6em}.proc li{margin:1.1em 0;padding-left:.4em}.proc li::marker{color:var(--blue);font-weight:700}
.st-t{margin:0}.st-why{margin:.3em 0 0;color:var(--muted)}.why-l{font-weight:600;color:var(--navy)}
.consent{font-size:.9rem;line-height:1.55;max-width:60ch}
.sum-tax{margin:.2em 0 0}