:root{
  --navy:#16305B;--navy-2:#0E2244;--ink:#1B2433;--muted:#566173;--line:#E3E7EE;
  --or:#F26322;--or-btn:#D9501A;--or-soft:#FFF1EA;--tint:#F5F7FA;--paper:#FFFDF6;--note:#FFE88A;
  --r:14px;--shadow:0 1px 2px rgba(16,32,64,.06),0 8px 28px rgba(16,32,64,.08);
  --gut:clamp(16px,4vw,40px);--sec:clamp(48px,7vw,104px);
  --h1:clamp(2rem,1.3rem + 3.2vw,3.6rem);--h2:clamp(1.5rem,1.15rem + 1.5vw,2.35rem);--lead:clamp(1.06rem,1rem + .35vw,1.28rem);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font:400 1.0625rem/1.65 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--or-btn)}
h1,h2,h3{font-family:Montserrat,system-ui,sans-serif;color:var(--navy);line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:var(--h1);font-weight:900}
h2{font-size:var(--h2);font-weight:800}
h3{font-size:1.12rem;font-weight:800;letter-spacing:-.01em}
p{margin:0 0 1em}
ul{padding-left:1.15em;margin:0 0 1em}
li{margin:.3em 0}
.wrap{width:100%;max-width:1220px;margin:0 auto;padding:0 var(--gut)}
.narrow{max-width:820px}
.center{text-align:center}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;z-index:99;background:#fff;padding:8px 12px}
.ico{width:1.1em;height:1.1em;flex:none}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;min-height:48px;padding:.8em 1.35em;border-radius:999px;
  background:var(--or-btn);color:#fff;font:800 1.05rem/1 Montserrat,sans-serif;text-decoration:none;border:2px solid var(--or-btn);
  box-shadow:0 6px 18px rgba(217,80,26,.28);transition:transform .15s,box-shadow .15s,background .15s;white-space:nowrap}
.btn:hover{color:#fff;background:#C2440F;border-color:#C2440F;transform:translateY(-1px);box-shadow:0 10px 24px rgba(217,80,26,.34)}
.btn-lg{font-size:1.17rem;min-height:56px;padding:.9em 1.6em}
.btn-sm{min-height:44px;font-size:.95rem;padding:.6em 1.1em}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line);box-shadow:none}
.btn-ghost:hover{background:var(--tint);color:var(--navy);border-color:var(--navy);box-shadow:none}

/* header */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:20px;min-height:68px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;font:900 1.35rem/1 Montserrat,sans-serif;color:var(--navy);letter-spacing:-.02em}
.logo .mark{width:34px;height:34px}
.nav{display:flex;gap:clamp(12px,1.8vw,28px);margin-left:auto}
.nav a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink);padding:10px 0}
.nav a:hover{color:var(--or-btn)}
.menu{display:none;margin-left:auto;position:relative}
.menu summary{list-style:none;cursor:pointer;width:48px;height:48px;display:flex;flex-direction:column;justify-content:center;gap:5px;padding:0 12px;border-radius:12px}
.menu summary::-webkit-details-marker{display:none}
.menu summary span{display:block;height:2.5px;background:var(--navy);border-radius:2px}
.menu[open] summary{background:var(--tint)}
.menu nav{position:absolute;right:0;top:56px;width:min(86vw,320px);background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);padding:10px;display:flex;flex-direction:column}
.menu nav a:not(.btn){padding:13px 12px;text-decoration:none;font-weight:600;border-radius:10px}
.menu nav a:not(.btn):hover{background:var(--tint)}
.menu nav .btn{margin-top:8px}
@media (max-width:1020px){.nav,.hide-sm{display:none}.menu{display:block}}

/* hero */
.hero{padding:clamp(28px,5vw,72px) 0 clamp(40px,6vw,88px);background:
  radial-gradient(900px 420px at 100% 0,rgba(242,99,34,.10),transparent 60%),
  radial-gradient(800px 500px at 0 100%,rgba(22,48,91,.06),transparent 60%)}
.hgrid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:clamp(28px,5vw,72px);align-items:center}
.kicker{display:inline-block;font:800 .8rem/1 Montserrat,sans-serif;letter-spacing:.12em;text-transform:uppercase;color:var(--or-btn);margin-bottom:16px}
.lead{font-size:var(--lead);color:#33405A;max-width:38em}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 22px}
.trust{display:flex;flex-wrap:wrap;gap:8px;margin:0;font-size:.88rem;color:var(--muted)}
.trust span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px}
.hmedia{position:relative}
.hero-img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:22px;box-shadow:0 30px 60px -20px rgba(14,34,68,.35)}
.hmedia::before{content:"";position:absolute;inset:auto -14px -14px auto;width:60%;height:60%;border-radius:26px;background:var(--navy);z-index:-1}
.hmedia::after{content:"";position:absolute;inset:-12px auto auto -12px;width:90px;height:90px;border-radius:50%;background:var(--or);z-index:-1}
.note{position:absolute;left:clamp(-28px,-2vw,-10px);bottom:clamp(-28px,-2vw,-12px);width:min(250px,58%);background:var(--note);padding:16px 18px 12px;
  border-radius:4px;transform:rotate(-3deg);box-shadow:0 18px 30px -10px rgba(0,0,0,.3);font-family:"Comic Sans MS","Bradley Hand",cursive}
.note p{margin:0 0 6px;font-weight:700;color:#5A4A00;font-size:.95rem}
.note ul{list-style:none;padding:0;margin:0;font-size:.9rem;color:#3A3000}
.note li{margin:3px 0;padding-left:22px;position:relative}
.note li::before{content:"";position:absolute;left:0;top:.3em;width:13px;height:13px;border:2px solid #6B5800;border-radius:3px}
.note li.done{text-decoration:line-through;text-decoration-color:var(--or-btn);text-decoration-thickness:2px;color:#6B5E20}
.note li.done::after{content:"";position:absolute;left:4px;top:.12em;width:6px;height:11px;border:solid var(--or-btn);border-width:0 3px 3px 0;transform:rotate(45deg)}
.hub{padding-bottom:clamp(20px,3vw,40px)}

/* sections */
.sec{padding:var(--sec) 0}
.sec + .rule + .sec{padding-top:var(--sec)}
.rule{border:0;height:1px;background:var(--line);max-width:1220px;margin:0 auto;width:calc(100% - 2*var(--gut))}
.tint{background:var(--tint)}
.tint + .rule,.rule:last-of-type{display:none}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(28px,5vw,80px);align-items:center}
.split.flip .copy{order:2}
.copy ul li::marker{color:var(--or)}
.media img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:18px;box-shadow:var(--shadow)}
.shead{display:grid;grid-template-columns:1fr 1fr;gap:12px 48px;align-items:end;margin-bottom:clamp(24px,3vw,40px)}
.shead p{color:var(--muted);margin:0}
.shead h2{margin:0}

/* chips + not list */
.chips{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:10px}
.chips li{margin:0;background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 14px 13px 42px;position:relative;font-weight:500}
.chips li::before{content:"";position:absolute;left:14px;top:50%;width:16px;height:16px;margin-top:-8px;border-radius:4px;border:2px solid var(--navy)}
.chips li a{text-decoration:none;font-weight:700}
.chips li:has(a){border-color:#F7C3AA;background:var(--or-soft)}
.chips li:has(a)::before{border-color:var(--or-btn)}
.nope{margin-top:clamp(28px,4vw,48px);background:var(--navy);color:#DCE5F3;border-radius:var(--r);padding:clamp(22px,3vw,36px);display:grid;grid-template-columns:1fr 1.4fr;gap:8px 40px}
.nope h3{color:#fff;font-size:1.35rem;margin:0}
.nope p{margin:0;color:#B8C6DD}
.nope ul{grid-column:2;grid-row:1/span 2;margin:0;padding-left:1.2em}
.nope li::marker{content:"✕  ";color:var(--or)}

/* cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.cards.three{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow);position:relative}
.card p{margin:0;color:var(--muted)}
.card h3{margin-bottom:.4em}
.card:first-child{border-top:4px solid var(--or)}
.card.link{text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s;padding-right:52px;border-top:1px solid var(--line)}
.card.link:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(16,32,64,.14)}
.card .arrow{position:absolute;right:20px;top:20px;font-size:1.3rem;color:var(--or-btn);font-weight:800}

/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:s}
.steps li{margin:0;padding:24px 22px;border-radius:var(--r);background:var(--tint);position:relative}
.steps .num{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font:900 1.05rem Montserrat;margin-bottom:14px}
.steps li:last-child .num{background:var(--or-btn)}
.steps p{margin:0;color:var(--muted)}
.cols{columns:3 180px;column-gap:24px;padding-left:1.1em}

/* table */
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;min-width:620px;font-size:.98rem}
th,td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
thead th{background:var(--navy);color:#fff;font:800 .95rem Montserrat}
thead th:last-child{background:var(--or-btn)}
tbody th{font-weight:700;color:var(--navy);width:22%;background:var(--tint)}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
td:last-child{font-weight:600}
.small{font-size:.85rem;color:var(--muted);margin-top:14px}

/* faq */
.qa{border-bottom:1px solid var(--line)}
.qa summary{cursor:pointer;list-style:none;padding:18px 40px 18px 0;font:700 1.08rem/1.35 Montserrat,sans-serif;color:var(--navy);position:relative}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:1.6rem;color:var(--or-btn);transition:transform .2s}
.qa[open] summary::after{transform:rotate(45deg)}
.qa p{padding:0 0 18px;margin:0;color:#3B465A}

/* hub */
.hubgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:40px}
.hubg{background:var(--tint);border-radius:var(--r);padding:24px}
.hubg h2{font-size:1.25rem}
.hubg ul{list-style:none;padding:0;margin:0}
.hubg li{margin:0;border-top:1px solid var(--line);padding:12px 0}
.hubg li a{font-weight:700;text-decoration:none;display:block}
.hubg li span{font-size:.85rem;color:var(--muted)}

/* band + footer */
.band{background:var(--navy);color:#DCE5F3;position:relative;overflow:hidden}
.band::before,.band::after{content:"";position:absolute;border-radius:50%}
.band::before{width:420px;height:420px;right:-160px;top:-220px;background:var(--or);opacity:.95}
.band::after{width:300px;height:300px;right:-150px;top:-170px;background:var(--navy-2)}
.band-in{display:flex;align-items:center;justify-content:space-between;gap:28px;padding-top:clamp(44px,6vw,80px);padding-bottom:clamp(44px,6vw,80px);position:relative;z-index:1}
.band h2{color:#fff;margin-bottom:.3em}
.band p{margin:0;max-width:34em}
.band-k{color:var(--or)!important;font:800 .85rem Montserrat;letter-spacing:.12em;text-transform:uppercase;margin-bottom:10px!important}
.foot{background:var(--navy-2);color:#AFC0DA;padding:clamp(40px,5vw,64px) 0 0;font-size:.95rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr .8fr;gap:32px}
.foot h3{color:#fff;font-size:.95rem;letter-spacing:.04em}
.foot ul{list-style:none;padding:0}
.foot a{color:#DCE5F3;text-decoration:none}
.foot a:hover{color:var(--or)}
.logo-w{color:#fff;margin-bottom:14px}
.fphone{font:800 1.3rem Montserrat;color:#fff!important}
.lic{font-size:.85rem}
.fine{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:18px;padding-bottom:90px;font-size:.8rem;color:#8193B1}
.doc h1{font-size:clamp(1.8rem,1.4rem + 2vw,2.6rem)}
.doc h2{font-size:1.3rem;margin-top:1.4em}
.sticky{display:none}

/* responsive */
@media (min-width:1800px){.wrap{max-width:1360px}.rule{max-width:1360px}body{font-size:1.125rem}}
@media (max-width:1020px){
  .cards,.steps{grid-template-columns:repeat(2,1fr)}
  .fgrid{grid-template-columns:1fr 1fr}
  .hubgrid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  .hgrid,.split,.shead{grid-template-columns:minmax(0,1fr)}
  .split.flip .copy{order:0}
  .hmedia{margin:8px 6px 18px 0}
  .note{left:-6px}
  .nope{grid-template-columns:1fr}.nope ul{grid-column:1;grid-row:auto;margin-top:10px}
  .cards.three{grid-template-columns:1fr}
  .band-in{flex-direction:column;align-items:flex-start}
  .sticky{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);border-top:1px solid var(--line);backdrop-filter:blur(8px)}
  .sticky .btn{width:100%}
}
@media (max-width:560px){
  .cards,.steps,.hubgrid,.fgrid{grid-template-columns:1fr}
  .ctas .btn{width:100%}
  .trust{font-size:.8rem}
  .logo{font-size:1.2rem}
  .note{width:62%;padding:12px 14px 10px}
  .note li{font-size:.82rem}
  .band::before{width:260px;height:260px;right:-120px;top:-140px}.band::after{width:180px;height:180px;right:-110px;top:-110px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

.htext,.hmedia,.copy,.media{min-width:0}
@media (max-width:560px){.btn{white-space:normal;text-align:center;line-height:1.2}}
/* QA round 1 */
.cols li{margin:0 0 .45em;break-inside:avoid}
.cols{margin-top:.6em}
#faq{padding-top:clamp(32px,4vw,64px)}
.fine{padding-bottom:24px}
@media (max-width:860px){.fine{padding-bottom:96px}}
@media (max-width:560px){
  .chips{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
  .chips li{padding:11px 10px 11px 34px;font-size:.92rem;line-height:1.3}
  .chips li::before{left:11px;width:14px;height:14px;margin-top:-7px}
  .steps li{display:grid;grid-template-columns:40px 1fr;column-gap:14px;padding:18px}
  .steps .num{grid-row:1/span 2;margin:0}
  .steps h3{margin:.45em 0 .2em}
  .note{width:50%;padding:10px 12px 8px;bottom:-18px}
  .note p{font-size:.82rem}.note li{font-size:.74rem;padding-left:18px}
  .note li::before{width:11px;height:11px}
  .note li.done::after{left:3px;width:5px;height:9px}
  .hero-img{aspect-ratio:5/4}
}
@media (max-width:640px){
  .tbl{overflow:visible;border:0;box-shadow:none}
  table{min-width:0}
  thead{display:none}
  table,tbody,tr,th,td{display:block;width:100%}
  tbody tr{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden;background:#fff;box-shadow:var(--shadow)}
  tbody th{width:100%;background:var(--navy);color:#fff;padding:10px 14px;border:0}
  td{display:grid;grid-template-columns:104px 1fr;gap:10px;padding:10px 14px}
  td::before{content:attr(data-label);font:800 .78rem/1.5 Montserrat,sans-serif;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}
  td:last-child{background:var(--or-soft);border-bottom:0}
  td:last-child::before{color:var(--or-btn)}
}