:root {
  
  --navy-900: #002947;   
  --navy-800: #003C66;   
  --navy-700: #1A5680;   
  --navy-600: #3A77A5;   
  --gold-500: #008BCC;   
  --gold-600: #005D9E;   
  --gold-100: #CCE4FF;   
  --blue:     #008BCC;   

  --ink:      #0A2940;   
  --slate:    #4F6879;   
  --slate-300:#8096A4;   

  --white:    #FFFFFF;
  --bg-soft:  #EAF3FB;   
  --bg-tint:  #F1F7FD;
  --line:     #D8E8F6;   

  
  --font-display: "Sora", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body:    "Urbanist", system-ui, -apple-system, "Segoe UI", sans-serif;

  
  --r-sm: 10px;
  --r:    16px;
  --r-lg: 24px;
  --r-pill: 999px;
  --shadow-sm: 0 1px 2px rgba(19,34,56,.04), 0 1px 3px rgba(19,34,56,.06);
  --shadow:    0 6px 24px -8px rgba(19,34,56,.12);
  --shadow-lg: 0 24px 60px -20px rgba(19,34,56,.28);
  --ease: cubic-bezier(.22,.61,.36,1);
  --t:    .3s var(--ease);

  --header-h: 64px;
  --maxw: 1180px;
}


*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, select, textarea { font: inherit; color: inherit; }
ul { list-style: none; padding: 0; }


h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 700; line-height: 1.1; color: var(--ink); letter-spacing: -0.02em; }
h1 { font-size: clamp(2.1rem, 6vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.15rem, 2.4vw, 1.4rem); }
p  { color: var(--slate); }
.eyebrow {
  font-family: var(--font-display);
  font-size: 1rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-600);
}
.lead { font-size: clamp(1.02rem, 2.4vw, 1.22rem); color: var(--slate); }


.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 20px; }
.section { padding-block: clamp(56px, 9vw, 110px); }
.section--soft { background: var(--bg-soft); }

#why {
  background:
    linear-gradient(rgba(234,243,251,.86), rgba(234,243,251,.93)),
    url(/hero.webp) center / cover no-repeat;
}
.section__head { max-width: 680px; margin: 0 auto clamp(36px, 6vw, 60px); text-align: center; }
.section__head p { margin-top: 14px; }
.center { text-align: center; }
.stack > * + * { margin-top: 1rem; }


.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 52px; padding: 0 26px;
  border-radius: 8px;
  font-family: var(--font-display); font-weight: 700; font-size: 1rem; letter-spacing: -0.01em;
  transition: transform var(--t), box-shadow var(--t), background var(--t), color var(--t);
  will-change: transform;
  text-decoration: none !important;
}
.btn:active { transform: translateY(1px) scale(.99); }
.btn--primary { background: var(--gold-500); color: #fff !important; box-shadow: 0 10px 24px -10px rgba(0,139,204,.7); }
.btn--primary:hover { background: var(--gold-600); color: #fff !important; transform: translateY(-2px); box-shadow: 0 18px 34px -12px rgba(0,139,204,.8); }
.btn--navy { background: var(--navy-800); color: #fff !important; }
.btn--navy:hover { background: var(--navy-700); color: #fff !important; transform: translateY(-2px); box-shadow: var(--shadow); }
.btn--ghost { background: rgba(255,255,255,.08); color: #fff !important; border: 1px solid rgba(255,255,255,.28); }
.btn--ghost:hover { background: rgba(255,255,255,.16); color: #fff !important; }
.btn--outline { background: #fff; color: var(--navy-800) !important; border: 1px solid var(--line); }
.btn--outline:hover { border-color: var(--navy-600); color: var(--navy-800) !important; transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.btn--block { width: 100%; }
.btn--lg { min-height: 58px; font-size: 1.08rem; padding: 0 34px; }
.btn .ic { width: 20px; height: 20px; }


.header {
  position: sticky; top: 0; z-index: 1000;
  height: var(--header-h);
  background: rgba(255,255,255,.72);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid rgba(231,234,238,.9);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 100%; }
.brand { display: flex; align-items: center; gap: 10px; font-family: var(--font-display); font-weight: 800; font-size: 1.5rem; color: var(--navy-800); letter-spacing: -0.02em; }
.brand__mark { width: 32px; height: 32px; flex: 0 0 auto; }
.brand span b { color: var(--gold-600); }

.nav__links { display: flex; align-items: center; gap: 6px; }
.nav__link {
  position: relative; padding: 10px 14px; border-radius: var(--r-sm);
  font-weight: 600; font-size: .98rem; color: var(--navy-700);
  transition: color var(--t), background var(--t);
}
.nav__link::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 6px; height: 2px;
  background: var(--gold-500); border-radius: 2px;
  transform: scaleX(0); transform-origin: center; transition: transform var(--t);
}
.nav__link:hover { color: var(--navy-900); }
.nav__link:hover::after { transform: scaleX(1); }
.nav__cta { display: flex; align-items: center; gap: 10px; }
.nav__cta .btn { min-height: 44px; padding: 0 20px; font-size: .95rem; }


.nav__toggle {
  display: none; width: 46px; height: 46px; border-radius: 12px;
  align-items: center; justify-content: center; color: var(--navy-800);
  border: 1px solid var(--line); background: #fff;
}
.nav__toggle .ic { width: 24px; height: 24px; }


.drawer {
  position: fixed; inset: 0 auto 0 0; z-index: 1100;
  width: min(84vw, 340px);
  background: #fff;
  box-shadow: var(--shadow-lg);
  transform: translateX(-105%);
  transition: transform .36s var(--ease);
  display: flex; flex-direction: column;
  padding: 18px;
  overscroll-behavior: contain;
}
.drawer.is-open { transform: translateX(0); }
.drawer__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 8px; padding: 6px 4px 14px; border-bottom: 1px solid var(--line); }
.drawer__close { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; border: 1px solid var(--line); }
.drawer__close .ic { width: 22px; height: 22px; }
.drawer__links { display: flex; flex-direction: column; gap: 4px; margin-top: 10px; }
.drawer__link {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 12px; border-radius: 12px;
  font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; color: var(--navy-800);
  transition: background var(--t), transform var(--t);
}
.drawer__link:hover { background: var(--bg-soft); transform: translateX(4px); }
.drawer__link .ic { width: 22px; height: 22px; color: var(--gold-600); flex: 0 0 auto; }
.drawer__cta { margin-top: auto; padding-top: 16px; }
.scrim {
  position: fixed; inset: 0; z-index: 1090; background: rgba(19,34,56,.45);
  -webkit-backdrop-filter: blur(2px); backdrop-filter: blur(2px);
  opacity: 0; visibility: hidden; transition: opacity .3s ease, visibility .3s ease;
}
.scrim.is-open { opacity: 1; visibility: visible; }
.no-scroll { overflow: hidden; }


.hero { position: relative; color: var(--ink); overflow: hidden; isolation: isolate; background: var(--bg-soft); }
.hero__bg {
  position: absolute; inset: 0; z-index: -2;
  background:
    linear-gradient(to right,
      rgba(255,255,255,.93) 0%,
      rgba(255,255,255,.74) 30%,
      rgba(255,255,255,.64) 50%,
      rgba(255,255,255,.74) 70%,
      rgba(255,255,255,.93) 100%),
    url(/band.webp);
  background-size: cover; background-position: center;
}
.hero__glow { position: absolute; inset: 0; z-index: -1;
  background: radial-gradient(55% 50% at 80% 14%, rgba(0,139,204,.12), transparent 62%); }
.hero__inner {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px, 5vw, 64px);
  align-items: center;
  padding-block: clamp(48px, 8vw, 96px);
}
.hero h1 { color: var(--ink); }
.hero h1 .accent { color: var(--gold-500); }
.hero__sub { color: #000204; font-size: clamp(1.05rem, 2.4vw, 1.3rem); margin-top: 18px; max-width: 30ch; }
.hero__eyebrow { color: var(--gold-600); }
.hero__pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.pill {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 14px; border-radius: var(--r-pill);
  background: #fff; border: 1px solid var(--line);
  font-size: .85rem; font-weight: 600; color: var(--ink); box-shadow: var(--shadow-sm);
}
.pill .ic { width: 16px; height: 16px; color: var(--gold-500); }


.hero--centered .hero__inner {
  display: flex; flex-direction: column; align-items: center;
  text-align: center; gap: clamp(30px, 4vw, 46px);
}
.hero--centered .hero__head { max-width: 820px; }
.hero--centered h1 { max-width: 18ch; margin-inline: auto; }
.hero--centered .hero__support { display: flex; flex-direction: column; align-items: center; gap: 18px; }
.hero--centered .hero__sub { margin: 0 auto; max-width: 56ch; }
.hero--centered .hero__pills { margin-top: 0; justify-content: center; }
.hero--centered .lead-card { width: 100%; max-width: 560px; text-align: left; }


.lead-card {
  background: #ffffff38; color: var(--ink);
  border-radius: var(--r-lg); padding: clamp(22px, 3vw, 30px);
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,.6);
}
.lead-card__title { font-size: 1.3rem; }
.lead-card__sub { font-size: .92rem; margin-top: 4px; }
.field { margin-top: 18px; }
.field > label { display: block; font-family: var(--font-display); font-weight: 600; font-size: .9rem; color: var(--navy-800); margin-bottom: 8px; }
.amount-readout { font-family: var(--font-display); font-weight: 800; font-size: 1.9rem; color: var(--navy-800); letter-spacing: -0.02em; }
.amount-readout small { font-size: .9rem; color: var(--slate); font-weight: 600; }


.range { width: 100%; -webkit-appearance: none; appearance: none; height: 8px; border-radius: 999px;
  background: var(--line); outline: none; margin-top: 6px; }
.range::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 28px; height: 28px; border-radius: 50%;
  background: var(--gold-500); border: 4px solid #fff; box-shadow: 0 2px 8px rgba(19,34,56,.25); cursor: pointer; transition: transform .15s var(--ease); }
.range::-webkit-slider-thumb:hover { transform: scale(1.08); }
.range::-moz-range-thumb { width: 24px; height: 24px; border-radius: 50%; background: var(--gold-500); border: 4px solid #fff; box-shadow: 0 2px 8px rgba(19,34,56,.25); cursor: pointer; }
.range__scale { display: flex; justify-content: space-between; font-size: .8rem; color: var(--slate); margin-top: 8px; }


.chips { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 6px; }
.chip {
  padding: 11px 6px; border-radius: 12px; border: 1.5px solid var(--line);
  font-family: var(--font-display); font-weight: 600; font-size: .92rem; color: var(--navy-700);
  background: #fff; transition: all var(--t);
}
.chip:hover { border-color: var(--navy-600); }
.chip.is-active { border-color: var(--gold-500); background: var(--gold-100); color: var(--navy-900); }


.input, .select {
  width: 100%; min-height: 52px; padding: 0 16px;
  border: 1.5px solid var(--line); border-radius: 12px; background: #fff;
  -webkit-appearance: none; appearance: none; transition: border var(--t), box-shadow var(--t);
}
.select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%235A6478' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 44px;
}
.input:focus, .select:focus, .range:focus-visible { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 4px rgba(0,139,204,.18); }
textarea.input { min-height: 130px; padding: 14px 16px; resize: vertical; }

.consent { display: flex; gap: 10px; font-size: .76rem; color: var(--slate); line-height: 1.5; margin-top: 16px; }
.consent a { color: var(--navy-700); text-decoration: underline; }
.form-secure { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 14px; font-size: .82rem; color: var(--slate); }
.form-secure .ic { width: 16px; height: 16px; color: var(--gold-600); }


.quinbar { padding-block: clamp(18px, 3vw, 30px); }

.quinbar + .section { padding-top: clamp(18px, 2.5vw, 30px); }
.quinbar__row {
  display: grid; grid-template-columns: repeat(3, 1fr);
  background: var(--bg-soft); border: 1px solid var(--line);
  border-radius: var(--r-lg); overflow: hidden;
}
.quinbar__item {
  display: flex; align-items: center; justify-content: center; gap: 14px;
  padding: clamp(18px, 3vw, 28px);
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1rem, 1.8vw, 1.18rem); color: var(--ink);
}
.quinbar__item + .quinbar__item { border-left: 1px solid var(--line); }
.quinbar__icon { flex: 0 0 auto; display: grid; place-items: center; color: var(--gold-500); }
.quinbar__icon svg { width: 30px; height: 30px; }

@media (max-width: 760px) {
  .quinbar__row { grid-template-columns: 1fr; }
  .quinbar__item { justify-content: flex-start; }
  .quinbar__item + .quinbar__item { border-left: none; border-top: 1px solid var(--line); }
}


.help__grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 6vw, 84px); align-items: center; }
.help__media { position: relative; }
.help__media::before {
  content: ""; position: absolute; z-index: -1;
  inset: 26px -26px -26px 26px;
  background: var(--gold-500); border-radius: var(--r-lg);
}
.help__media img {
  position: relative; width: 100%; height: auto;
  border-radius: var(--r-lg); box-shadow: var(--shadow-lg); display: block;
}
.help__title { font-size: clamp(1.9rem, 4vw, 2.7rem); line-height: 1.08; }
.help__title::after {
  content: ""; display: block; width: 70px; height: 4px;
  background: var(--gold-500); border-radius: 2px; margin-top: 18px;
}
.help__eyebrow { margin-top: 18px; color: var(--slate); }
.help__feature { margin-top: 24px; }
.help__feature h3 { font-size: 1.18rem; margin-bottom: 8px; }
.help__feature p { color: var(--slate); max-width: 46ch; }
.help__content .btn { margin-top: 30px; }

@media (max-width: 860px) {
  .help__grid { grid-template-columns: 1fr; gap: 44px; }
  .help__media { max-width: 480px; margin-inline: auto; }
  .help__media::before { inset: 18px -18px -18px 18px; }
}


.trust { background: var(--navy-900); }
.trust__row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; padding-block: 26px; }
.trust__item { display: flex; align-items: center; justify-content: center; gap: 12px; color: #E7EDF5; font-weight: 600; font-size: .98rem; text-align: left; }
.trust__item .ic { width: 26px; height: 26px; color: #10B1FD; flex: 0 0 auto; }


.grid { display: grid; gap: 20px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  padding: 28px; box-shadow: var(--shadow-sm);
  transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #DCE1E8; }
.card__icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: var(--gold-100); color: var(--gold-600); margin-bottom: 18px; }
.card__icon .ic { width: 26px; height: 26px; }
.card h3 { margin-bottom: 8px; }
.card p { font-size: .96rem; }


.steps { counter-reset: step; }
.step__num {
  font-family: var(--font-display); font-weight: 800; font-size: 1.5rem;
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  background: var(--gold-100); color: var(--gold-600); margin-bottom: 16px;
}


.purpose { display: flex; align-items: center; gap: 14px; padding: 18px 20px; border: 1px solid var(--line);
  border-radius: var(--r); background: #fff; transition: all var(--t); }
.purpose:hover { border-color: var(--gold-500); box-shadow: var(--shadow-sm); transform: translateY(-3px); }
.purpose .ic { width: 24px; height: 24px; color: var(--navy-700); flex: 0 0 auto; }
.purpose b { font-family: var(--font-display); font-weight: 600; color: var(--navy-800); }


.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat__num { font-family: var(--font-display); font-weight: 800; font-size: clamp(1.8rem, 4vw, 2.6rem); color: var(--navy-800); letter-spacing: -0.02em; }
.stat__num .accent { color: var(--gold-600); }
.stat__label { font-size: .92rem; color: var(--slate); margin-top: 4px; }


.calc { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(24px, 4vw, 48px); align-items: start; }
.calc__panel { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(24px, 3vw, 34px); box-shadow: var(--shadow-sm); }
.calc__result {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff;
  border-radius: var(--r-lg); padding: clamp(26px, 3vw, 38px); box-shadow: var(--shadow);
}
.calc__pay { font-family: var(--font-display); font-weight: 800; font-size: clamp(2.4rem, 7vw, 3.4rem); color: #fff; letter-spacing: -0.03em; }
.calc__pay small { font-size: 1rem; color: var(--gold-500); font-weight: 600; }
.calc__rows { margin-top: 24px; border-top: 1px solid rgba(255,255,255,.14); }
.calc__rowline { display: flex; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: .96rem; }
.calc__rowline span:first-child { color: #C3CDDA; }
.calc__rowline span:last-child { font-family: var(--font-display); font-weight: 700; }
.calc__note { font-size: .76rem; color: var(--slate-300); margin-top: 18px; }
.field__row { display: flex; justify-content: space-between; align-items: baseline; }
.field__val { font-family: var(--font-display); font-weight: 800; color: var(--navy-800); }


.faq { max-width: 800px; margin-inline: auto; }
.faq__item { border: 1px solid var(--line); border-radius: var(--r); background: #fff; margin-bottom: 14px; overflow: hidden; transition: box-shadow var(--t), border-color var(--t); }
.faq__item.is-open { box-shadow: var(--shadow-sm); border-color: #DCE1E8; }
.faq__q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 22px 24px; text-align: left; font-family: var(--font-display); font-weight: 600; font-size: 1.06rem; color: var(--navy-800); }
.faq__q .ic { width: 22px; height: 22px; color: var(--gold-600); flex: 0 0 auto; transition: transform var(--t); }
.faq__item.is-open .faq__q .ic { transform: rotate(45deg); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.faq__a-inner { padding: 0 24px 24px; color: var(--slate); font-size: .98rem; }


.cta-band {background: linear-gradient(150deg, var(--navy-800), var(--navy-900)); color: #fff; border-radius: var(--r-lg); padding: clamp(36px, 6vw, 64px); text-align: center; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute;  background: radial-gradient(50% 80% at 80% 0%, rgba(0,139,204,.22), transparent 60%); }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #C9D3E0; margin: 14px auto 28px; max-width: 540px; }


.footer { background: var(--navy-900); color: #C4CEDA; padding-block: clamp(48px, 7vw, 76px) 28px; font-size: .92rem; }
.footer a { color: #C4CEDA; transition: color var(--t); }
.footer a:hover { color: #fff; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr; gap: 32px 24px; }
.footer__brand .brand { color: #fff; margin-bottom: 14px; }
.footer__brand p { color: #95A3B5; font-size: .9rem; max-width: 34ch; }
.footer__address { display: flex; align-items: flex-start; gap: 10px; margin-top: 18px; color: #95A3B5; font-size: .9rem; line-height: 1.5; max-width: 34ch; }
.footer__address .ic { width: 18px; height: 18px; flex: 0 0 auto; color: var(--gold-500); margin-top: 2px; }
.footer__col h4 { font-size: .76rem; text-transform: uppercase; letter-spacing: .12em; color: var(--slate-300); margin-bottom: 16px; font-weight: 700; font-family: var(--font-display); }
.footer__col li { margin-bottom: 10px; }
.footer__disc { margin-top: 40px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.1); font-size: .8rem; color: #8C9AAC; }
.footer__disc p { color: #8C9AAC; font-size: .8rem; margin-bottom: 12px; line-height: 1.6; }
.footer__bottom { display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; align-items: center; margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); }
.footer__bottom-links { display: flex; flex-wrap: wrap; gap: 18px; }
.footer__bottom-links a { font-weight: 600; }


.sticky-cta {
  position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 900;
  display: none; align-items: center; gap: 12px;
  background: rgba(255,255,255,.92); -webkit-backdrop-filter: blur(12px); backdrop-filter: blur(12px);
  border: 1px solid var(--line); border-radius: var(--r); padding: 10px 12px;
  box-shadow: var(--shadow-lg);
  transform: translateY(160%); transition: transform .4s var(--ease);
}
.sticky-cta.is-visible { transform: translateY(0); }
.sticky-cta__text { font-size: .82rem; line-height: 1.2; }
.sticky-cta__text b { font-family: var(--font-display); color: var(--navy-800); display: block; font-size: .95rem; }
.sticky-cta .btn { flex: 1; min-height: 48px; font-size:14px; }


.page-hero { background: var(--bg-soft); border-bottom: 1px solid var(--line); padding-block: clamp(40px, 7vw, 72px); }
.crumb { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; font-size: .85rem; color: var(--slate); margin-bottom: 18px; }
.crumb a:hover { color: var(--navy-800); }
.crumb .sep { color: var(--slate-300); }
.prose { max-width: 1160px; margin-inline: auto; }
.prose h2 { font-size: clamp(1.4rem, 3vw, 1.9rem); margin-top: 44px; margin-bottom: 14px; }
.prose h3 { margin-top: 28px; margin-bottom: 10px; }
.prose p, .prose li { color: var(--slate); margin-bottom: 14px; }
.prose ul { padding-left: 22px; list-style: disc; }
.prose li { margin-bottom: 8px; }
.prose a { text-decoration: none;}
.prose strong { color: var(--ink); }
.callout { background: var(--bg-tint); border: 1px solid var(--line); border-left: 4px solid var(--gold-500); border-radius: var(--r-sm); padding: 18px 20px; margin: 22px 0; }
.callout p { margin: 0; font-size: .92rem; color: var(--slate); }


.apply-wrap { max-width: 620px; margin-inline: auto; }
.apply-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow); padding: clamp(24px, 4vw, 40px); }
.progress { display: flex; align-items: center; gap: 6px; margin-bottom: 8px; }
.progress__bar { height: 6px; border-radius: 999px; background: var(--line); flex: 1; overflow: hidden; }
.progress__fill { height: 100%; width: 25%; background: var(--gold-500); border-radius: 999px; transition: width .4s var(--ease); }
.progress__label { font-size: .82rem; color: var(--slate); font-weight: 600; white-space: nowrap; }
.step { display: none; animation: fade .4s var(--ease); }
.step.is-active { display: block; }
.step h2 { font-size: clamp(1.4rem, 3.4vw, 1.8rem); }
.step__hint { margin-top: 6px; margin-bottom: 22px; font-size: .96rem; }
.opt-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.opt {
  display: flex; flex-direction: column; gap: 4px; align-items: flex-start;
  padding: 16px 18px; border: 1.5px solid var(--line); border-radius: var(--r); background: #fff;
  text-align: left; transition: all var(--t);
}
.opt:hover { border-color: var(--navy-600); }
.opt.is-active { border-color: var(--gold-500); background: var(--gold-100); }
.opt b { font-family: var(--font-display); font-weight: 700; color: var(--navy-800); }
.opt span { font-size: .82rem; color: var(--slate); }
.opt .ic { width: 22px; height: 22px; color: var(--gold-600); margin-bottom: 4px; }
.step__nav { display: flex; gap: 12px; margin-top: 26px; }
.step__nav .btn--back { flex: 0 0 auto; }
.step__nav .btn--next { flex: 1; }
.review-list { border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; margin-bottom: 20px; }
.review-list div { display: flex; justify-content: space-between; padding: 14px 18px; border-bottom: 1px solid var(--line); font-size: .95rem; }
.review-list div:last-child { border-bottom: none; }
.review-list span:first-child { color: var(--slate); }
.review-list span:last-child { font-weight: 700; color: var(--navy-800); font-family: var(--font-display); }
.tcpa { background: var(--bg-soft); border: 1px solid var(--line); border-radius: var(--r-sm); padding: 16px 18px; font-size: .78rem; color: var(--slate); line-height: 1.55; margin-bottom: 18px; }
.success { text-align: center; padding: 20px 0; }
.success__check { width: 76px; height: 76px; border-radius: 50%; background: var(--gold-100); color: var(--gold-600); display: grid; place-items: center; margin: 0 auto 22px; }
.success__check .ic { width: 40px; height: 40px; }


.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }

@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }


@media (max-width: 1024px) {
  .nav__links, .nav__cta .btn--navy { display: none; }
  .nav__toggle { display: inline-flex; }

  

  .footer__grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .grid--3, .grid--4, .grid--2 { grid-template-columns: 1fr; }
  .calc { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; gap: 28px 16px; }
  .trust__row { grid-template-columns: 1fr; gap: 14px; }
  .trust__item { justify-content: flex-start; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .sticky-cta { display: flex; }
  .opt-grid { grid-template-columns: 1fr; }
  .hero__sub { max-width: none; }
}
@media (max-width: 420px) {
  .chips { grid-template-columns: 1fr 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
}


:focus-visible { outline: 3px solid rgba(0,139,204,.55); outline-offset: 2px; border-radius: 6px; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

:root{--bg:#F5F8FA;--card:#FFFFFF;--ink:#16252D;--text:#16252D;--muted:#485860;--accent:#1D93CD;--accent-deep:#1876A5;--accent-tint:#E1EEF4;--line:#DBE2E6;--fd:"Pragati Narrow",system-ui,sans-serif;--fb:"Mohave",system-ui,sans-serif;--r:18px;--rb-foot:#112027;--rb-foot-t:#DCE2E5;--rb-foot-l:#E892A0;--rb-tint2:#BCD8E6}
:root{--card-max:560px;--cta-text:#16252D}#zeroparallel_form:empty{display:none}#omForm-root{margin-top:0!important;margin-bottom:0!important;width:100%!important}#omForm-root>div{min-height:0!important}#omForm-root form,#omForm-root .omForm-wrapper,#omForm,form#omForm{min-height:0!important;height:auto!important;background:#fff!important;box-shadow:none!important;border:none!important;padding-top:10px!important;padding-bottom:12px!important}#omForm-root select,#omForm-root .om-select{width:100%!important}.om-navigation__next,#omForm-root button[type=submit]{background:var(--accent)!important;color:var(--cta-text,#fff)!important;width:100%!important}.form-host{min-height:210px!important;text-align:left}
html{overflow-x:clip}body{font-family:var(--fb)}h1,h2,h3{font-family:var(--fd)}
[class*=reveal],[class*=fade-],[class*=animate],[class*=aos],.js-reveal,[data-reveal],.in-view,.is-hidden-until{opacity:1!important;transform:none!important;visibility:visible!important}
.rb-chain{display:flex!important;flex-direction:column!important;align-items:center!important;grid-template-columns:none!important;grid-template-areas:none!important;gap:22px!important}
.rb-chain>*{max-width:100%;grid-area:auto!important}
.rb-hero{min-height:0!important;display:flex!important;flex-direction:column!important;align-items:center!important;grid-template-columns:none!important}
.rb-hero>*{max-width:100%}.rb-hero>*:not(.rb-chain):not(.rb-col):not([class*=bg]):not([class*=pattern]){max-height:460px;overflow:hidden}
.rb-hero>.rb-chain{width:100%}
.rb-col{order:-1;width:100%;max-width:780px!important;margin-left:auto!important;margin-right:auto!important;align-self:center!important;min-width:0;position:relative;z-index:6}
.rb-hero [class*=veil],.rb-hero [class*=overlay],.rb-hero [class*=scrim],.rb-hero [class*=shade],.rb-hero [class*=pattern],.rb-hero [class*=glow],.rb-hero [class*=blob],.rb-hero [class*=orb]{pointer-events:none}
.form-card{width:100%;max-width:var(--card-max);margin:0 auto;background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 24px 60px -28px rgba(10,20,30,.45);padding:22px 20px 16px;box-sizing:border-box;text-align:left;position:relative;z-index:2}
.form-card__head h2{font-family:var(--fd);font-size:1.45rem;line-height:1.2;margin:0 0 4px;color:var(--ink);letter-spacing:-.01em}
.form-card__head p{margin:0 0 10px;color:var(--muted);font-size:.95rem}
.form-card__trust{margin:10px 0 0;font-size:.8rem;color:var(--muted);text-align:center}
.rb-hero h1{overflow-wrap:anywhere}
.rb-logo{display:inline-flex;align-items:center;gap:9px;text-decoration:none}.rb-logo svg{width:30px!important;height:30px!important;max-width:30px!important;flex:none}
.wm{font-family:var(--fd);font-weight:600;font-size:1.32rem;letter-spacing:-.01em;color:inherit}.wm b{font-weight:800;color:var(--accent-deep)}
.rb-band{width:100%!important;max-width:100%!important;min-width:0!important;align-self:stretch;box-sizing:border-box;grid-column:1/-1;position:relative;overflow:hidden;background:var(--ink);color:#fff;margin:0;padding:0}
.rb-band picture,.rb-band img{display:block;width:100%!important;max-width:100%!important;height:auto;max-height:520px;object-fit:cover}
.rb-band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,0,0,.62),rgba(0,0,0,.18) 70%)}
.rb-band__txt{position:absolute;inset:0;z-index:2;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;gap:16px;max-width:1120px;margin:0 auto;padding:24px 28px;box-sizing:border-box}
.rb-band__txt p{font-family:var(--fd);font-size:clamp(1.35rem,3.2vw,2.4rem);line-height:1.15;font-weight:700;max-width:620px;margin:0;color:#fff}
.rb-btn{display:inline-block;background:var(--accent);color:#16252D;padding:13px 24px;border-radius:999px;font-weight:700;text-decoration:none}
.rb-faq{background:var(--bg);color:var(--ink);padding:64px 20px}.rb-in{max-width:820px;margin:0 auto}
.rb-faq h2{font-family:var(--fd);font-size:clamp(1.6rem,3vw,2.2rem);margin:0 0 22px;color:var(--ink)}
.rb-faq details{border-bottom:1px solid var(--line);padding:16px 0}.rb-faq summary{cursor:pointer;font-weight:700;font-size:1.06rem;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:16px}
.rb-faq summary::-webkit-details-marker{display:none}.rb-faq summary::after{content:"+";color:var(--accent);font-size:1.3rem;line-height:1}.rb-faq details[open] summary::after{content:"\2212"}
.rb-faq details p{margin:10px 0 0;color:var(--muted);line-height:1.6}
footer.rb-footer{background:var(--rb-foot)!important;color:var(--rb-foot-t)!important;padding:48px 20px 36px!important;display:block!important;border:0!important;margin:0!important}
.rb-foot{max-width:1120px;margin:0 auto;display:block!important}.rb-foot__top{display:flex;flex-wrap:wrap;align-items:baseline;gap:8px 20px;margin:0 0 18px}
.rb-foot__top p{margin:0;color:var(--rb-foot-t);opacity:.92}.rb-foot__brand{color:#fff!important;text-decoration:none}.rb-foot__brand .wm b{color:var(--rb-foot-l)}
footer.rb-footer .legal-links{margin:0 0 20px;padding:16px 0;border-top:1px solid rgba(255,255,255,.14);border-bottom:1px solid rgba(255,255,255,.14)}
footer.rb-footer .legal-links a{color:var(--rb-foot-l)!important;text-decoration:none;font-size:.9rem}footer.rb-footer .legal-links a:hover{text-decoration:underline}
footer.rb-footer .disc p{color:var(--rb-foot-t)!important;opacity:1;margin:0 0 10px}footer.rb-footer .disc b{color:#fff}footer.rb-footer .disc a{color:var(--rb-foot-l)!important}
.prose{max-width:720px;margin:0 auto;padding:48px 20px 64px;color:var(--ink);font-family:var(--fb);line-height:1.65}
.prose h1{font-family:var(--fd);font-size:clamp(1.9rem,4vw,2.6rem);line-height:1.15;margin:0 0 8px;color:var(--ink)}
.prose p.updated{color:var(--muted);font-size:.9rem;margin:0 0 26px}.prose h2{font-family:var(--fd);font-size:1.3rem;margin:30px 0 8px;color:var(--ink)}
.prose p,.prose ul>li{color:var(--ink);font-size:1rem}.prose strong{color:var(--ink)}.prose a{color:var(--accent-deep)}
.prose a.btn.btn-primary{display:inline-block;background:var(--accent);color:#16252D;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:700}
.prose a.btn.btn-ghost{display:inline-block;border:1px solid var(--line);color:var(--ink);padding:12px 22px;border-radius:999px;text-decoration:none}
body.rb-sub{background:var(--bg)}body.rb-sub main{display:block}
@media (max-width:860px){
 header nav a:not(.rb-cta):not([href="/"]){display:none!important}
}
@media (max-width:600px){
 .rb-hero{padding-top:14px!important}.rb-chain{padding-top:0!important;margin-top:0!important}
 .form-card{margin-left:calc(50% - 50vw + 4px);margin-right:calc(50% - 50vw + 4px);width:auto;max-width:none;padding:18px 14px 14px}
 .rb-band__txt{justify-content:flex-end;padding:20px}.rb-band img{max-height:440px;min-height:300px}
}

.legal-links{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.disc p{font-size:.8rem;line-height:1.55}.cmp-modal{display:none;position:fixed;inset:0;z-index:90;background:rgba(10,14,20,.6);padding:30px 14px;overflow:auto}.cmp-modal.is-open{display:block}body.cmp-modal-open{overflow:hidden}.cmp-modal-card{max-width:860px;margin:0 auto;background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 30px 80px -30px rgba(0,0,0,.6)}.cmp-modal-head{position:sticky;top:0;background:var(--card);display:flex;justify-content:flex-end;padding:10px 12px;border-bottom:1px solid var(--line);border-radius:var(--r) var(--r) 0 0}.cmp-modal-close{border:0;background:var(--accent-tint);width:36px;height:36px;border-radius:9px;font-size:1.25rem;cursor:pointer;color:var(--ink)}.cmp-modal-body{padding:6px 24px 30px}.cmp-modal-body .prose{max-width:none}.cmp-modal-loading{padding:40px;text-align:center;color:var(--muted)}.unsub-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;margin:22px 0}.unsub-card__title{margin:0 0 6px;font-family:var(--fd);font-size:1.35rem}.unsub-card__sub{margin:0 0 18px;color:var(--muted)}.unsub-field{margin:0 0 14px}.unsub-field label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}.unsub-field .opt{font-weight:400;color:var(--muted);font-size:.8rem;margin-left:8px}.unsub-field .req{color:var(--accent-deep)}.unsub-field input,.unsub-field select{width:100%;box-sizing:border-box;min-height:48px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);font:inherit;font-size:1rem}.unsub-field input:focus,.unsub-field select:focus{outline:2px solid var(--accent);outline-offset:1px}.unsub-field__hint{margin:6px 0 0;font-size:.8rem;color:var(--muted)}.unsub-form__submit{display:inline-block;min-height:48px;padding:12px 22px;border:0;border-radius:999px;background:var(--accent-deep);color:#fff;font:inherit;font-weight:700;cursor:pointer}.unsub-form__submit:disabled{opacity:.6;cursor:wait}.unsub-form__legal{font-size:.8rem;color:var(--muted);margin:12px 0 0}.unsub-msg{display:none;border-radius:10px;padding:12px 14px;margin:0 0 14px;font-size:.95rem}.unsub-msg--error{background:#FDECEC;color:#8A1F1F}.unsub-msg--error.is-visible{display:block}.unsub-msg--success{background:var(--accent-tint);color:var(--ink)}.unsub-card.is-success .unsub-form,.unsub-card.is-success .unsub-card__sub{display:none}.unsub-card.is-success .unsub-msg--success{display:block}