:root{--blue:#0057b8;--navy:#0b1f3a;--yellow:#fbc51a;--cream:#fffbea;--text:#374151;--line:#d9e2ef;--soft:#f1f6fc}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Roboto,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:18px;line-height:1.65;color:var(--text);background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-underline-offset:3px}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid var(--navy);outline-offset:3px}
h1,h2,h3{font-family:Rubik,system-ui,sans-serif;color:var(--blue);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,5vw,3rem);font-weight:800}
h2{font-size:clamp(1.5rem,3.4vw,2.1rem);font-weight:700}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:12px 16px;z-index:99}
.skip:focus{left:8px;top:8px}
.svg{display:inline-block;vertical-align:-.2em;color:inherit}
/* top bar */
.topbar{background:var(--yellow);color:var(--navy)}
.topbar .wrap{display:flex;align-items:center;gap:16px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.brand{display:flex;flex-direction:column;background:#fff;padding:8px 18px;border-radius:0 0 18px 0;text-decoration:none;color:var(--blue);margin-left:-20px;padding-left:20px;min-height:44px;justify-content:center}
.brand strong{font-family:Rubik,sans-serif;font-weight:800;font-size:1.25rem;line-height:1.1}
.brand small{font-size:.78rem;color:var(--navy);line-height:1.2}
.topline{flex:1 1 180px;min-width:0;font-weight:500;display:flex;gap:8px;align-items:center}
.pill{white-space:nowrap;display:inline-flex;align-items:center;gap:8px;min-height:46px;padding:9px 22px;border-radius:999px;font-family:Rubik,sans-serif;font-weight:700;text-decoration:none;font-size:1rem;line-height:1.2;text-align:center}
.pill-blue{background:var(--blue);color:#fff;box-shadow:3px 4px 0 rgba(251,197,26,.7)}
.pill-yellow{background:var(--yellow);color:var(--navy);box-shadow:3px 4px 0 rgba(0,87,184,.35)}
.pill-white{background:#fff;color:var(--navy);box-shadow:3px 4px 0 rgba(0,87,184,.35)}
.pill:hover{filter:brightness(1.06)}
.navrow{background:#fff;border-bottom:1px solid var(--line)}
.navrow ul{list-style:none;margin:0;padding:0;display:flex;justify-content:center;flex-wrap:wrap;gap:4px 8px}
.navrow a{display:block;padding:12px 16px;min-height:44px;text-decoration:none;color:var(--navy);font-weight:500}
.navrow a:hover,.navrow a[aria-current]{color:var(--blue);box-shadow:inset 0 -4px 0 var(--yellow)}
/* hero */
.hero{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.hero>img{width:100%;height:560px;object-fit:cover}
.hero .panel{position:absolute;left:0;bottom:0;max-width:640px;background:var(--blue);padding:40px 48px 40px max(20px,calc((100vw - 1160px)/2 + 20px));border-radius:0 140px 0 0}
.hero.inner>img{height:340px}
.hero.inner .panel{right:0;max-width:none;border-radius:0;padding:24px max(20px,calc((100vw - 1160px)/2 + 20px));background:linear-gradient(90deg,var(--blue) 70%,rgba(0,87,184,.9))}
.hero h1{color:#fff;margin-bottom:.4em}
.hero.inner h1{font-size:clamp(1.7rem,4vw,2.5rem);font-weight:700;margin-bottom:.2em}
.hero p{margin:0 0 .8em}
.hero.inner p{margin:0;max-width:760px}
.eyebrow{display:inline-block;color:var(--yellow);font-weight:500;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;margin-bottom:.5em}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
/* sections */
section{padding:64px 0;overflow-x:clip}
.cream{background:var(--cream)}
.soft{background:var(--soft)}
.upper{text-transform:uppercase;font-weight:800;letter-spacing:.01em}
.upper u{text-decoration:underline;text-decoration-thickness:4px;text-underline-offset:6px}
.split{display:grid;grid-template-columns:5fr 6fr;gap:56px;align-items:center}
.split.flip{grid-template-columns:6fr 5fr}
.split.flip>.media{order:2}
.circle{position:relative;width:min(100%,400px);aspect-ratio:1;margin:0 auto;padding:14px}
.circle::before{content:"";position:absolute;inset:0;border-radius:50%;border:12px solid var(--yellow);border-right-color:transparent;border-bottom-color:transparent;transform:rotate(-20deg)}
.circle::after{content:"";position:absolute;inset:-8px;border-radius:50%;border:3px solid var(--blue);border-left-color:transparent;border-top-color:transparent}
.circle img{width:100%;height:100%;object-fit:cover;border-radius:50%}
.hex{position:relative;max-width:460px;margin:0 auto}
.hex img{position:relative;width:100%;aspect-ratio:1.15;object-fit:cover;clip-path:polygon(25% 0,75% 0,100% 50%,75% 100%,25% 100%,0 50%)}
.arc{position:relative;border-radius:36px;overflow:hidden;border-left:10px solid var(--blue);max-width:520px;margin:0 auto}
.arc img{width:100%;aspect-ratio:4/3;object-fit:cover}
.label{display:flex;align-items:center;gap:10px;font-weight:500;color:var(--navy);margin-bottom:.5em}
.label::before{content:"";width:28px;height:4px;background:var(--yellow);border-radius:2px}
.cards5{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:32px}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px 24px;text-decoration:none;color:var(--text);display:block}
.card:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(0,87,184,.12)}
.card h3{margin:.6em 0 .3em}
.ico{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;border:3px solid var(--blue);color:var(--blue);background:#fff}
.ico.y{background:var(--yellow);border-color:var(--yellow);color:var(--navy)}
.why{display:grid;grid-template-columns:5fr 7fr;gap:28px;align-items:stretch}
.why .big{background:linear-gradient(145deg,var(--blue),#0a6fd6 55%,var(--yellow) 160%);color:#fff;border-radius:28px;padding:40px 36px;display:flex;flex-direction:column;justify-content:center;gap:6px}
.why .big h2{color:#fff}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.tile{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 12px;text-align:center;font-weight:500;color:var(--navy);display:flex;flex-direction:column;align-items:center;gap:8px;line-height:1.3}
.tile .svg{color:var(--blue)}
.circles{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:32px}
.bubble{background:#fff;border:8px solid var(--blue);border-top-color:var(--yellow);border-radius:50%;aspect-ratio:1;max-width:320px;margin:0 auto;padding:12%;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;gap:4px}
.bubble .svg{color:var(--blue)}
.bubble strong{font-family:Rubik,sans-serif;color:var(--blue);font-size:1.4rem;line-height:1.15}
.bubble p{font-size:1rem;margin:0;line-height:1.45}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;font-family:Rubik,sans-serif;font-weight:700;color:#fff;background:var(--blue);padding:14px 22px;min-height:48px;list-style:none;clip-path:polygon(0 0,calc(100% - 22px) 0,100% 100%,0 100%)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;margin-right:18px;color:var(--yellow);font-size:1.4rem;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq .ans{padding:16px 22px 4px}
.formband{background:var(--blue);color:#fff}
.formband h2{color:#fff}
.formband .grid{display:grid;grid-template-columns:5fr 6fr;gap:48px;align-items:center}
.guides{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:28px}
.guide{display:flex;gap:18px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px}
.guide h3{margin:.1em 0 .3em;font-size:1.15rem}
.guide p{margin:0 0 .6em;font-size:1rem}
.tag{font-size:.9rem;font-weight:500;color:var(--navy);display:flex;gap:8px;align-items:center;margin-bottom:.3em}
.tag::before{content:"";width:18px;height:4px;background:var(--yellow);border-radius:2px}
/* inner pages */
.crumbs{font-size:.95rem;padding:16px 0 0;color:#4b5563}
.crumbs a{color:var(--blue)}
.prose{max-width:760px}
.prose h2{margin-top:1.4em}
.row{display:grid;grid-template-columns:6fr 5fr;gap:52px;align-items:center;padding:34px 0}
.row.flip{grid-template-columns:5fr 6fr}
.row.flip .hex,.row.flip .arc{order:-1}
.callout{background:var(--cream);border-left:8px solid var(--yellow);border-radius:0 18px 18px 0;padding:20px 24px;margin:1.6em 0}
.callout p:last-child{margin:0}
.compare{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:1rem}
.compare caption{text-align:left;font-weight:500;margin-bottom:8px;color:var(--navy)}
.compare th,.compare td{border:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
.compare thead th{background:var(--blue);color:#fff;font-family:Rubik,sans-serif}
.compare tbody th{background:var(--soft);color:var(--navy);font-weight:500}
.scroll{overflow-x:auto}
.steps{list-style:none;margin:1.4em 0;padding:0;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding:4px 0 18px 64px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--yellow);color:var(--navy);font-family:Rubik,sans-serif;font-weight:800;display:flex;align-items:center;justify-content:center}
.steps strong{color:var(--navy)}
.fac{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:1.2em 0}
.fac article{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px}
.fac h3{display:flex;gap:10px;align-items:flex-start;margin-bottom:.3em;font-size:1.15rem}
.fac h3 .svg{color:var(--blue);flex:none;margin-top:2px}
.fac p{margin:0 0 .5em;font-size:1rem}
.fac .note{font-size:.92rem;color:#4b5563;border-top:1px solid var(--line);padding-top:8px;margin-top:8px}
.closing{background:var(--cream);border-radius:28px;padding:36px;margin-top:40px;display:grid;grid-template-columns:7fr 4fr;gap:28px;align-items:center}
.closing h2{margin-bottom:.3em}
.closing .btns{flex-direction:column;align-items:stretch}
/* footer */
footer{background:var(--blue);color:#fff;margin-top:70px}
footer a{color:#fff}
.tab{display:table;margin:-30px auto 0;background:var(--yellow);color:var(--navy);font-family:Rubik,sans-serif;font-weight:800;padding:14px 34px;clip-path:polygon(0 0,100% 0,calc(100% - 20px) 100%,20px 100%);font-size:1.15rem}
.fcols{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;padding:44px 0 20px}
.fcols h2{color:var(--yellow);font-size:1.1rem;font-weight:700}
.fcols ul{list-style:none;margin:0;padding:0}
.fcols li{margin-bottom:2px}
.fcols li a{display:inline-block;padding:7px 0;min-height:44px}
.fcols p{margin:0 0 .5em}
.badge{display:inline-block;background:var(--yellow);color:var(--navy);font-weight:700;border-radius:999px;padding:6px 16px;font-size:.95rem}
.disclaimer{font-size:.85rem;line-height:1.5;color:#fff;border-top:1px solid rgba(255,255,255,.3);padding-top:18px;margin:10px 0 0}
.copybar{background:var(--yellow);color:var(--navy);text-align:center;padding:14px 20px;font-weight:500;margin-top:24px}
.policy{max-width:820px;margin:0 auto;padding:40px 20px}
@media(max-width:960px){
.split,.split.flip,.row,.row.flip,.why,.formband .grid,.closing{grid-template-columns:1fr;gap:32px}
.split.flip>.media{order:0}
.row.flip .hex,.row.flip .arc{order:0}
.cards5{grid-template-columns:repeat(2,1fr)}
.tiles{grid-template-columns:repeat(2,1fr)}
.circles{grid-template-columns:1fr}
.guides,.fac{grid-template-columns:1fr}
.fcols{grid-template-columns:1fr}
.hero>img{height:300px}
.hero:not(.inner) .panel{position:static;max-width:none;border-radius:0 90px 0 0;padding:32px 20px}
.hero.inner>img{height:220px}
.hero.inner .panel{position:static;padding:22px 20px}
}
@media(max-width:600px){
body{font-size:17px}
section{padding:44px 0}
.cards5{grid-template-columns:1fr}
.topline{display:none}
.topbar .wrap{gap:10px}
.brand{flex:1 0 100%;margin-left:-20px;border-radius:0 0 18px 0}
.topbar .pill{flex:1 1 140px}
.navrow a{padding:10px 10px}
.closing{padding:24px}
}