:root{
  --ink:#0b1b2b;--ink-2:#41566b;--mute:#6b7f93;
  --bg:#f6f8fb;--card:#fff;--line:#e3e9f0;
  --navy:#0a2540;--navy-2:#12365c;
  --teal:#0fb59a;--teal-d:#0a8f7a;--gold:#e8b04a;
  --grad:linear-gradient(135deg,#0fb59a 0%,#2f7bf5 100%);
  --r:16px;--shadow:0 10px 30px rgba(10,37,64,.08);
}
*{box-sizing:border-box;margin:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;line-height:1.15;letter-spacing:-.02em}
a{color:inherit;text-decoration:none}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
section{padding:88px 0}
.eyebrow{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-d);margin-bottom:12px}
.sec-head{max-width:680px;margin-bottom:48px}
.sec-head h2{font-size:clamp(1.8rem,3.4vw,2.6rem);margin-bottom:14px}
.sec-head p{color:var(--ink-2);font-size:1.05rem}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:999px;font-weight:600;font-size:.95rem;border:1.5px solid transparent;cursor:pointer;transition:.2s;font-family:inherit}
.btn-primary{background:var(--grad);color:#fff;box-shadow:0 8px 20px rgba(15,181,154,.3)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(47,123,245,.35)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-line{border-color:var(--line);background:#fff}
.btn-line:hover{border-color:var(--teal)}
.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* nav */
header{position:sticky;top:0;z-index:50;background:rgba(10,37,64,.92);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;font-family:"Plus Jakarta Sans",sans-serif;font-weight:800;font-size:1.25rem;letter-spacing:-.02em}
.logo-mark{width:32px;height:32px;border-radius:9px;background:var(--grad);display:grid;place-items:center}
.nav ul{display:flex;gap:28px;list-style:none}
.nav ul a{color:#c9d6e4;font-size:.92rem;font-weight:500;transition:.2s}
.nav ul a:hover{color:#fff}
.nav .btn{padding:9px 20px;font-size:.88rem}
.burger{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}

/* hero */
.hero{background:radial-gradient(1000px 500px at 85% -10%,rgba(47,123,245,.35),transparent),radial-gradient(700px 400px at 0% 100%,rgba(15,181,154,.25),transparent),var(--navy);color:#fff;padding:96px 0 110px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.pill{display:inline-flex;gap:8px;align-items:center;padding:6px 14px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);font-size:.8rem;color:#bfe9e0;margin-bottom:22px}
.pill i{width:7px;height:7px;border-radius:50%;background:var(--teal);box-shadow:0 0 0 4px rgba(15,181,154,.25)}
.hero h1{font-size:clamp(2.3rem,5vw,3.8rem);margin-bottom:20px}
.hero h1 em{font-style:normal;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{color:#b6c6d8;font-size:1.12rem;max-width:520px;margin-bottom:32px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap}
.trust{display:flex;gap:28px;margin-top:40px;flex-wrap:wrap;color:#9db2c7;font-size:.85rem}
.trust b{display:block;color:#fff;font-size:1.05rem;font-family:"Plus Jakarta Sans",sans-serif}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:28px;backdrop-filter:blur(10px);animation:float 6s ease-in-out infinite}
@keyframes float{50%{transform:translateY(-10px)}}
.hc-top{display:flex;justify-content:space-between;color:#9db2c7;font-size:.8rem;margin-bottom:6px}
.hc-amt{font-family:"Plus Jakarta Sans",sans-serif;font-size:2.6rem;font-weight:800;margin-bottom:18px}
.bar{height:8px;border-radius:8px;background:rgba(255,255,255,.12);overflow:hidden;margin:6px 0 18px}
.bar span{display:block;height:100%;background:var(--grad);border-radius:8px}
.hc-row{display:flex;justify-content:space-between;padding:12px 0;border-top:1px solid rgba(255,255,255,.1);font-size:.9rem;color:#c9d6e4}
.hc-row b{color:#fff}

/* offerings */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:.25s;position:relative}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#c8e8e2}
.ico{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,#e6f8f4,#e8f0ff);margin-bottom:20px;font-size:1.5rem}
.card h3{font-size:1.25rem;margin-bottom:10px}
.card p{color:var(--ink-2);font-size:.95rem;margin-bottom:16px}
.card ul{list-style:none;font-size:.88rem;color:var(--ink-2);margin-bottom:22px}
.card li{padding:5px 0 5px 24px;position:relative}
.card li:before{content:"✓";position:absolute;left:0;color:var(--teal-d);font-weight:700}
.link{color:var(--teal-d);font-weight:600;font-size:.92rem}
.link:hover{text-decoration:underline}

/* compare */
.alt{background:#fff;border-block:1px solid var(--line)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff;box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;min-width:680px}
th,td{padding:18px 22px;text-align:left;font-size:.93rem}
th{background:#f1f5f9;color:var(--ink-2);font-size:.75rem;text-transform:uppercase;letter-spacing:.08em}
tr+tr td{border-top:1px solid var(--line)}
.tag{display:inline-block;padding:3px 10px;border-radius:999px;background:#e6f8f4;color:var(--teal-d);font-size:.72rem;font-weight:700}
.note{font-size:.8rem;color:var(--mute);margin-top:14px}

/* checker */
.checker{background:var(--navy);color:#fff}
.chk-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.checker .sec-head p{color:#9db2c7}
.checker .eyebrow{color:#5fe0c8}
.form{background:#fff;color:var(--ink);border-radius:24px;padding:32px;box-shadow:0 30px 60px rgba(0,0,0,.3)}
label{display:block;font-size:.82rem;font-weight:600;color:var(--ink-2);margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font:inherit;background:#fff;color:var(--ink);margin-bottom:16px}
input:focus,select:focus,textarea:focus{border-color:var(--teal)}
input[type=range]{padding:0;border:0;accent-color:var(--teal);margin-bottom:6px}
.rng{display:flex;justify-content:space-between;font-size:.8rem;color:var(--mute);margin-bottom:16px}
.result{display:none;margin-top:20px;padding:20px;border-radius:14px;background:linear-gradient(135deg,#e6f8f4,#e8f0ff)}
.result.show{display:block;animation:pop .4s}
@keyframes pop{from{opacity:0;transform:translateY(8px)}}
.result .big{font-family:"Plus Jakarta Sans",sans-serif;font-size:2rem;font-weight:800}
.result small{color:var(--ink-2)}
.err{color:#c0392b;font-size:.8rem;margin:-10px 0 12px;display:none}

/* steps */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px 20px;position:relative}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--grad);color:#fff;font-weight:700;margin-bottom:14px}
.step h3{font-size:1rem;margin-bottom:6px}
.step p{font-size:.86rem;color:var(--ink-2)}

/* benefits */
.ben{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.ben div{padding:26px;border-radius:var(--r);background:#fff;border:1px solid var(--line)}
.ben b{display:block;font-family:"Plus Jakarta Sans",sans-serif;font-size:1.05rem;margin-bottom:6px}
.ben span{color:var(--ink-2);font-size:.9rem}

/* partners */
.logos{display:flex;flex-wrap:wrap;gap:14px}
.logos span{padding:14px 26px;border:1px solid var(--line);border-radius:12px;background:#fff;font-weight:700;color:var(--ink-2);font-family:"Plus Jakarta Sans",sans-serif;transition:.2s}
.logos span:hover{color:var(--teal-d);border-color:var(--teal)}
.logos h4{width:100%;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mute);margin-top:10px}

/* faq */
.faq{max-width:820px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 24px;margin-bottom:12px;transition:.2s}
details[open]{border-color:#bfe9e0;box-shadow:var(--shadow)}
summary{cursor:pointer;font-weight:600;padding:20px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";color:var(--teal-d);font-size:1.4rem;line-height:1}
details[open] summary:after{content:"–"}
details p{color:var(--ink-2);padding-bottom:20px;font-size:.95rem}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.info p{color:var(--ink-2);margin-bottom:14px}
.info b{color:var(--ink)}
.form.flat{box-shadow:var(--shadow);border:1px solid var(--line)}
.ok{display:none;margin-top:12px;color:var(--teal-d);font-weight:600}

footer{background:#06182b;color:#8ea3b8;padding:56px 0 28px;font-size:.88rem}
.f-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px}
footer h5{color:#fff;margin-bottom:12px;font-size:.9rem}
footer a{display:block;padding:3px 0}
footer a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.08);padding-top:22px;font-size:.78rem;line-height:1.7}

.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s,transform .7s}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}html{scroll-behavior:auto}}

@media (max-width:980px){
  .hero-grid,.chk-grid,.contact-grid{grid-template-columns:1fr}
  .cards3,.ben{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .f-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  section{padding:60px 0}
  .nav ul{display:none;position:absolute;top:68px;left:0;right:0;background:var(--navy);flex-direction:column;padding:20px;gap:16px}
  .nav ul.open{display:flex}
  .burger{display:block}
  .nav>.btn{display:none}
  .cards3,.ben,.steps,.f-grid{grid-template-columns:1fr}
  .hero{padding:64px 0 72px}
}

/* inner pages */
.page-hero{background:radial-gradient(900px 400px at 85% -20%,rgba(47,123,245,.3),transparent),var(--navy);color:#fff;padding:72px 0 64px}
.page-hero h1{font-size:clamp(2rem,4.4vw,3.2rem);margin-bottom:12px}
.page-hero p{color:#b6c6d8;max-width:620px;font-size:1.08rem}
.page-hero .eyebrow{color:#5fe0c8}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px}
.chip{padding:8px 16px;border-radius:999px;border:1px solid var(--line);background:#fff;font-size:.85rem;font-weight:600;color:var(--ink-2);cursor:pointer;font-family:inherit}
.chip.on,.chip:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.post-meta{font-size:.78rem;color:var(--mute);margin-bottom:10px;display:flex;gap:10px;align-items:center}
.post-card{display:flex;flex-direction:column;cursor:pointer}
.post-card h3{font-size:1.15rem}
.post-card .link{margin-top:auto}
.article{max-width:740px;margin:0 auto}
.article h1{font-size:clamp(1.9rem,4vw,2.7rem);margin:10px 0 18px}
.article h2{font-size:1.4rem;margin:32px 0 10px}
.article p,.article li{color:var(--ink-2);font-size:1.05rem;margin-bottom:14px}
.article ul{padding-left:22px}
.back{display:inline-block;margin-bottom:24px;color:var(--teal-d);font-weight:600}
.callout{background:#e6f8f4;border-left:4px solid var(--teal);padding:16px 20px;border-radius:10px;margin:24px 0;color:var(--ink-2)}
.disclaimer{font-size:.8rem;color:var(--mute);border-top:1px solid var(--line);padding-top:16px;margin-top:36px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.partner-types{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.hidden{display:none!important}
@media (max-width:980px){.split{grid-template-columns:1fr}.partner-types{grid-template-columns:1fr 1fr}}
@media (max-width:680px){.steps[style]{grid-template-columns:1fr!important}.partner-types{grid-template-columns:1fr}}