:root{
  --navy:#0e2a47;--navy-dark:#08182b;--teal2:#159a9c;--sky:#37c0d6;--amber:#f5a623;--amber-dark:#e8870f;
  --good:#1c9f67;--ink:#16233a;--muted:#5c6a82;--line:#e2e8f2;--bg:#f4f7fb;--radius:14px;
  --shadow:0 12px 32px rgba(14,42,71,.16);--shadow-sm:0 5px 16px rgba(14,42,71,.09);
  --cta:linear-gradient(92deg,#f5a623 0%,#e8870f 100%);--teal-grad:linear-gradient(92deg,#159a9c 0%,#0e2a47 100%);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.btn-amber{display:inline-block;background:var(--cta);color:#1a1300;font-weight:800;padding:13px 26px;border-radius:11px;font-size:16px;border:none;cursor:pointer;transition:transform .08s}
.btn-amber:hover{transform:translateY(-1px)}
.btn-ghost{display:inline-block;border:1.5px solid rgba(255,255,255,.5);color:#fff;font-weight:700;padding:12px 24px;border-radius:11px}

/* top bar */
.topbar{background:var(--navy-dark);color:#fff;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:40px;flex-wrap:wrap;gap:6px;padding-top:6px;padding-bottom:6px}
.topbar .badge{color:#cfe9ee}
.topbar a{font-weight:600;color:#fff}

/* header / nav */
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:var(--shadow-sm)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;letter-spacing:.3px;font-size:20px;color:#fff}
.logo .mark{width:36px;height:36px;border-radius:9px;background:var(--teal-grad);display:grid;place-items:center;font-size:19px}
.logo small{display:block;font-weight:500;font-size:10.5px;color:#9fc4d6;letter-spacing:1.4px;margin-top:-2px}
nav.main{display:flex;align-items:center;gap:26px}
nav.main a{font-weight:600;font-size:15px;color:#dce9f4}
nav.main a:hover,nav.main a.active{color:#fff}
nav.main .nav-cta{background:var(--cta);color:#1a1300;padding:9px 16px;border-radius:10px;font-weight:700}
.menu-toggle{display:none;background:none;border:none;color:#fff;font-size:26px;cursor:pointer}
@media(max-width:860px){
  nav.main{position:absolute;top:70px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:flex-start;gap:0;padding:8px 20px;display:none;box-shadow:var(--shadow)}
  nav.main.open{display:flex}
  nav.main a{padding:12px 0;width:100%;border-bottom:1px solid rgba(255,255,255,.08)}
  .menu-toggle{display:block}
}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#123a5e 60%,#155e63 100%);color:#fff;padding:60px 0 72px}
.hero.center{text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(55,192,214,.16);border:1px solid rgba(55,192,214,.4);color:#bdeaf3;font-weight:700;font-size:13px;padding:7px 14px;border-radius:999px;letter-spacing:.4px;text-transform:uppercase}
.hero h1{font-size:42px;line-height:1.08;margin:16px 0 14px;font-weight:800}
.hero h1 .hl{color:#ffce6b}
.hero p.sub{font-size:18px;color:#d7e6f2;max-width:600px}
.hero.center p.sub{margin-left:auto;margin-right:auto}
.hero .cols{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:start}
.hero ul.ticks{list-style:none;margin:22px 0 26px;display:grid;gap:11px}
.hero ul.ticks li{display:flex;gap:11px;align-items:flex-start;font-size:16px;color:#eaf3fa}
.hero ul.ticks li .ck{flex:none;width:22px;height:22px;border-radius:50%;background:var(--good);color:#fff;display:grid;place-items:center;font-size:13px;font-weight:800;margin-top:1px}
@media(max-width:860px){.hero .cols{grid-template-columns:1fr;gap:30px}.hero h1{font-size:32px}}

/* form card */
.card{background:#fff;color:var(--ink);border-radius:18px;box-shadow:var(--shadow);overflow:hidden}
.card .ch{background:var(--teal-grad);color:#fff;padding:18px 22px}
.card .ch h2{font-size:20px;font-weight:800}
.card .ch p{font-size:13.5px;color:#d5eef0;margin-top:3px}
.card form{padding:20px 22px 24px}
.field{margin-bottom:13px}
.field label{display:block;font-size:13px;font-weight:700;margin-bottom:5px;color:var(--navy)}
.field input,.field select{width:100%;padding:11px 13px;border:1.5px solid var(--line);border-radius:10px;font-size:15px;font-family:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--sky);box-shadow:0 0 0 3px rgba(55,192,214,.18)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.submit{width:100%;background:var(--cta);color:#1a1300;font-weight:800;font-size:17px;border:none;padding:15px;border-radius:11px;cursor:pointer;margin-top:6px;transition:transform .08s}
.submit:hover{transform:translateY(-1px)}
.formnote{font-size:11.5px;color:var(--muted);text-align:center;margin-top:10px;line-height:1.45}
.trust-row{display:flex;gap:14px;justify-content:center;align-items:center;margin-top:14px;flex-wrap:wrap;font-size:12px;color:var(--muted)}
.trust-row b{color:var(--navy)}
.result{display:none;padding:34px 26px;text-align:center}
.result .ico{width:64px;height:64px;border-radius:50%;display:grid;place-items:center;margin:0 auto 14px;font-size:30px}
.result.ok .ico{background:#e3f7ee;color:var(--good)}
.result.soft .ico{background:#fff4e0;color:var(--amber-dark)}
.result h3{font-size:22px;margin-bottom:8px;color:var(--navy)}
.result p{color:var(--muted);font-size:15px;max-width:420px;margin:0 auto 8px}

/* value bar */
.valuebar{background:#fff;border-bottom:1px solid var(--line)}
.valuebar .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:26px 20px;text-align:center}
.valuebar .v b{display:block;font-size:25px;color:var(--teal2);font-weight:800}
.valuebar .v span{font-size:13px;color:var(--muted)}
@media(max-width:680px){.valuebar .wrap{grid-template-columns:1fr 1fr}}

/* sections */
section.block{padding:58px 0}
.h2c{text-align:center;max-width:700px;margin:0 auto 36px}
.h2c h2{font-size:32px;color:var(--navy);margin-bottom:10px}
.h2c p{color:var(--muted);font-size:17px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 20px;box-shadow:var(--shadow-sm)}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;margin-bottom:12px}
.step h4{font-size:17px;color:var(--navy);margin-bottom:6px}
.step p{font-size:14px;color:var(--muted)}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}

/* states grid */
.states-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.scard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:var(--shadow-sm);transition:transform .1s,box-shadow .1s;display:flex;flex-direction:column}
.scard:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.scard .tag{font-size:11px;font-weight:800;letter-spacing:.5px;text-transform:uppercase;padding:3px 9px;border-radius:999px;align-self:flex-start;margin-bottom:10px}
.scard .tag.live{background:#e3f7ee;color:var(--good)}
.scard .tag.soon{background:#eef1f7;color:var(--muted)}
.scard h3{font-size:20px;color:var(--navy);margin-bottom:4px}
.scard .prog{font-size:13px;color:var(--teal2);font-weight:700;margin-bottom:8px}
.scard p{font-size:14px;color:var(--muted);margin-bottom:14px;flex:1}
.scard .go{font-weight:800;color:var(--amber-dark)}
.scard .go.soon{color:var(--muted)}
@media(max-width:860px){.states-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.states-grid{grid-template-columns:1fr}}

/* who panel */
.who{background:var(--navy);color:#fff}
.who .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.who h2{font-size:30px;margin-bottom:14px}
.who ul{list-style:none;display:grid;gap:12px}
.who li{display:flex;gap:11px;align-items:flex-start;color:#dce9f4}
.who li .ck{flex:none;width:22px;height:22px;border-radius:50%;background:var(--sky);color:#06202f;display:grid;place-items:center;font-weight:800;font-size:13px;margin-top:1px}
.who .panel{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:26px}
.who .panel h3{font-size:18px;margin-bottom:10px;color:#ffce6b}
.who .panel table{width:100%;border-collapse:collapse;font-size:14px}
.who .panel td{padding:9px 0;border-bottom:1px solid rgba(255,255,255,.12);color:#dce9f4}
.who .panel td:last-child{text-align:right;font-weight:700;color:#fff}
@media(max-width:860px){.who .wrap{grid-template-columns:1fr}}

/* reviews */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm)}
.review .stars{color:#f5a623;font-size:16px;margin-bottom:8px}
.review p{font-size:14.5px;color:var(--ink);margin-bottom:12px}
.review .who2{font-size:13px;color:var(--muted);font-weight:600}
@media(max-width:860px){.reviews{grid-template-columns:1fr}}

/* faq */
.faq{max-width:780px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;box-shadow:var(--shadow-sm)}
.faq summary{cursor:pointer;padding:18px 20px;font-weight:700;color:var(--navy);font-size:16px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";float:right;font-size:22px;color:var(--teal2);line-height:1}
.faq details[open] summary:after{content:"\2013"}
.faq .ans{padding:0 20px 18px;color:var(--muted);font-size:15px}

/* prose */
.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:26px;color:var(--navy);margin:30px 0 12px}
.prose h3{font-size:19px;color:var(--navy);margin:22px 0 8px}
.prose p{color:var(--ink);margin-bottom:14px;font-size:16px}
.prose ul{margin:0 0 16px 22px;color:var(--ink)}
.prose li{margin-bottom:7px}

/* final cta */
.finalcta{background:var(--teal-grad);color:#fff;text-align:center;padding:56px 0}
.finalcta h2{font-size:32px;margin-bottom:12px}
.finalcta p{font-size:18px;color:#d7eef0;max-width:580px;margin:0 auto 22px}

/* footer */
footer.site{background:var(--navy-dark);color:#9fb6cc;padding:40px 0 26px;font-size:13.5px}
footer.site .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:24px}
footer.site h5{color:#fff;font-size:15px;margin-bottom:10px}
footer.site a{display:block;margin-bottom:6px;color:#9fb6cc}
footer.site a:hover{color:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:18px;font-size:11.5px;color:#7e93a8;line-height:1.6}
@media(max-width:860px){footer.site .cols{grid-template-columns:1fr 1fr}}