:root{
  --navy:#162b4b; --navy-2:#1f3557; --ink:#1d2633; --muted:#5f6570; --gray:#747475; --line:#e4e7eb;
  --bg:#ffffff; --soft:#f4f5f7; --accent:#3b708b; --accent-2:#2c5a72; --accent-soft:#e7f0f4; --ok:#2f7d5b;
  --radius:14px; --shadow:0 6px 24px rgba(15,42,68,.08);
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--navy-2)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.2rem);letter-spacing:-.02em}
h2{font-size:clamp(1.55rem,3vw,2.2rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.lead{font-size:1.15rem;color:var(--muted)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--accent)}

/* placeholder / draft markers */
.ph{background:#fff6d6;border:1px dashed #d4a72c;color:#6b5200;padding:.05em .4em;border-radius:6px;font-size:.92em}
.draft-banner{background:#fff6d6;color:#6b5200;border-bottom:1px solid #ecd27a;font-size:.85rem;text-align:center;padding:6px 12px}
.note{background:#fff9e8;border-left:4px solid #d4a72c;padding:12px 16px;border-radius:8px;font-size:.92rem;color:#5a4700;margin:1em 0}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:84px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand-mark{width:38px;height:38px;border-radius:10px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.9rem;letter-spacing:.03em}
.brand-name{font-weight:800;line-height:1.1;font-size:1rem}
.brand-name small{display:block;font-weight:500;color:var(--muted);font-size:.72rem;letter-spacing:.02em}
.menu{display:flex;gap:4px;align-items:center;list-style:none;margin:0;padding:0}
.menu a{text-decoration:none;color:var(--ink);font-size:.95rem;padding:8px 11px;border-radius:8px}
.menu a:hover,.menu a.active{background:var(--soft);color:var(--navy)}
.menu .btn{margin-left:6px;color:#fff}
.menu .btn:hover{background:var(--accent-2);color:#fff}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:1.1rem;cursor:pointer}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:10px;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--accent-2)}
.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.light{background:#fff;color:var(--navy)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}

/* hero */
.hero{position:relative;color:#fff;background:var(--navy)}
.hero .bg{position:absolute;inset:0;background-size:cover;background-position:center right}
.hero .shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(22,43,75,.92) 0%,rgba(22,43,75,.78) 45%,rgba(22,43,75,.25) 100%)}
.hero .wrap{position:relative;padding:96px 22px 90px}
.hero h1{color:#fff;max-width:640px}
.hero p.lead{color:#dbe5ef;max-width:560px}
.hero .eyebrow{color:#a9cddd}
.hero-points{display:flex;gap:18px;flex-wrap:wrap;margin-top:26px;font-size:.95rem;color:#dbe5ef;list-style:none;padding:0}
.hero-points li::before{content:"✓ ";color:#a9cddd;font-weight:700}
.page-hero{background:linear-gradient(180deg,var(--soft),#fff);padding:64px 0 34px;border-bottom:1px solid var(--line)}

/* sections */
section{padding:72px 0}
section.alt{background:var(--soft)}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.35em}
.card p:last-child{margin-bottom:0}
.icon{width:44px;height:44px;border-radius:12px;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center;font-size:1.3rem;margin-bottom:14px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 22px 56px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.check{list-style:none;padding:0;margin:0 0 1em}
.check li{padding-left:28px;position:relative;margin-bottom:8px}
.check li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.cta-band{background:var(--navy);color:#fff;border-radius:20px;padding:44px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .25em}
.cta-band p{color:#cfdbe7;margin:0}

/* pricing */
.price-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.plan{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:var(--shadow);position:relative}
.plan.featured{border:2px solid var(--accent)}
.plan .tag{position:absolute;top:-13px;left:26px;background:var(--accent);color:#fff;font-size:.75rem;font-weight:700;padding:4px 10px;border-radius:999px;letter-spacing:.04em}
.plan .who{color:var(--muted);font-size:.95rem;margin-bottom:12px}
.plan .amount{font-size:2.6rem;font-weight:800;color:var(--navy);line-height:1}
.plan .amount span{font-size:1rem;font-weight:500;color:var(--muted)}
.plan .sub{color:var(--muted);font-size:.9rem;margin:6px 0 18px}
.fee-list{list-style:none;padding:0;margin:0}
.fee-list li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-top:1px solid var(--line);font-size:.97rem}
.fee-list li b{white-space:nowrap;color:var(--navy)}
table.fees{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--shadow);font-size:.96rem}
table.fees th,table.fees td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
table.fees thead th{background:var(--navy);color:#fff;font-weight:600}
table.fees tbody tr:nth-child(even){background:#fafbfd}
.table-scroll{overflow-x:auto}

/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #cdd6df;border-radius:10px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid #a9cddd;border-color:var(--accent)}
.field{margin-bottom:16px}
fieldset{border:1px solid var(--line);border-radius:14px;padding:20px 20px 6px;margin:0 0 20px}
legend{font-weight:700;color:var(--navy);padding:0 6px}
.small{font-size:.85rem;color:var(--muted)}
.form-msg{display:none;margin-top:14px;padding:14px;border-radius:10px;background:#e9f6ef;color:#1f5a40}

/* areas */
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0}
.chips li{background:#fff;border:1px solid var(--line);padding:8px 14px;border-radius:999px;font-weight:600;color:var(--navy)}

/* footer */
.site-footer{background:#132541;color:#b9c8d7;padding:56px 0 26px;font-size:.93rem}
.site-footer a{color:#e6eef6}
.site-footer h4{color:#fff;margin:0 0 12px;font-size:1rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:30px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:7px}
.legal{border-top:1px solid #2a4266;margin-top:34px;padding-top:20px;display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;font-size:.88rem}
.legal .trec a{font-size:11pt;font-weight:600;margin-right:18px;display:inline-block}
.eho{display:inline-flex;align-items:center;gap:6px}

/* responsive */
@media (max-width:980px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:28px}
}
@media (max-width:860px){
  .burger{display:block}
  .menu{display:none;position:absolute;top:84px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 16px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .menu.open{display:flex}
  .menu a{padding:12px}
  .menu .btn{margin:8px 0 0;text-align:center}
}
@media (max-width:640px){
  body{font-size:16px}
  section{padding:52px 0}
  .g2,.g3,.g4,.price-grid,form .row,.foot-grid{grid-template-columns:1fr}
  .hero .wrap{padding:64px 22px 60px}
  .hero .shade{background:linear-gradient(180deg,rgba(22,43,75,.86),rgba(22,43,75,.78))}
  .cta-band{padding:30px}
  .brand-name small{display:none}
}

/* logo */
.brand .logo{height:64px;width:auto}
.foot-logo{display:inline-block;background:#fff;border-radius:12px;padding:10px 14px;margin-bottom:14px}
.foot-logo img{height:52px;width:auto}
.eyebrow{color:var(--accent)}
.plan .tag{background:var(--navy)}
.plan.featured{border-color:var(--navy)}
@media (max-width:640px){.brand .logo{height:54px}}

/* GEO: entity summary, at-a-glance facts, FAQ */
.entity-summary{max-width:860px;margin:14px 0 0;padding:12px 16px;border-left:4px solid var(--accent);background:#fff;border-radius:8px;color:var(--ink);font-size:1rem}
.facts{display:grid;grid-template-columns:auto 1fr;gap:10px 18px;margin:0}
.facts dt{font-weight:700;color:var(--navy)}
.facts dd{margin:0;color:var(--muted)}
.faq-list{display:grid;gap:18px;margin-top:18px}
.faq-item h3{font-size:1.15rem}
section.glance{padding-top:56px}
@media(max-width:600px){.facts{grid-template-columns:1fr;gap:2px}.facts dd{margin-bottom:10px}}