:root{
  --ink:#04345e; --ink-2:#46607a; --navy-dk:#022341;
  --teal:#00a3a7; --teal-dk:#007f83; --teal-dkr:#00696d;
  --mint:#dcf3f3; --paper:#f6f8fa; --card:#fff; --line:#dfe6ec;
  --radius:18px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:Poppins,system-ui,sans-serif;font-weight:700;line-height:1.15;letter-spacing:-.02em}
a{color:var(--teal-dk)}
img{max-width:100%;display:block}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.narrow{max-width:800px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dk)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:16px;font-family:inherit;transition:transform .15s,background .15s,color .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--teal-dk);color:#fff}
.btn-primary:hover{background:var(--teal-dkr)}
.btn-ghost{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-white{background:#fff;color:var(--ink)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* header */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px;gap:20px}
.logo img{height:38px;width:auto}
.menu{display:flex;gap:24px;align-items:center;font-weight:600;font-size:15px;list-style:none}
.menu > li{position:relative}
.menu a{text-decoration:none;color:var(--ink-2)}
.menu a:hover,.menu a[aria-current=page]{color:var(--ink)}
.menu .btn{padding:10px 18px;font-size:15px;color:#fff}
.has-drop > a::after{content:" ▾";font-size:11px}
.drop{display:none;position:absolute;top:100%;left:-18px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px -18px rgba(4,52,94,.35);padding:10px;min-width:250px;list-style:none;margin-top:6px}
.drop::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.has-drop:hover .drop,.has-drop:focus-within .drop{display:block}
.drop a{display:block;padding:8px 12px;border-radius:8px}
.drop a:hover{background:var(--mint)}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:24px;height:2.5px;background:var(--ink);margin:5px 0;border-radius:2px}
@media(max-width:980px){
  .burger{display:block}
  .menu{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:12px 24px 24px;border-bottom:1px solid var(--line);max-height:calc(100vh - 74px);overflow:auto}
  .menu.open{display:flex}
  .menu > li{border-bottom:1px solid var(--line)}
  .menu > li > a{display:block;padding:14px 0}
  .menu .btn{margin-top:14px;width:100%}
  .menu > li:last-child{border:0}
  .drop{display:block;position:static;border:0;box-shadow:none;padding:0 0 10px 10px;margin:0}
  .has-drop > a::after{content:""}
}

/* hero */
.hero{padding:80px 0 90px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(38px,4.6vw,58px);margin:16px 0 22px}
.hero h1 em,.page-hero h1 em{font-style:normal;color:var(--teal)}
.lead{font-size:20px;color:var(--ink-2);max-width:580px;margin-bottom:30px}
.ctas{display:flex;gap:14px;flex-wrap:wrap}
.ticks{margin-top:26px;font-size:14px;color:var(--ink-2);display:flex;gap:18px;flex-wrap:wrap}
.ticks span::before{content:"✓ ";color:var(--teal);font-weight:800}
@media(max-width:920px){.hero-grid{grid-template-columns:1fr}}

.page-hero{padding:72px 0 64px;background:linear-gradient(180deg,#fff, var(--paper));border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(34px,4.2vw,52px);margin:14px 0 18px;max-width:860px}
.page-hero .lead{max-width:720px}
.crumbs{font-size:14px;color:var(--ink-2);margin-bottom:6px}
.crumbs a{color:var(--ink-2)}

/* flow visual */
.flow{position:relative;background:var(--ink);border-radius:28px;padding:28px;color:#e8f1ef;box-shadow:0 30px 60px -30px rgba(4,52,94,.5);overflow:hidden}
.flow::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(0,163,167,.45),transparent 70%)}
.flow-step{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:16px 18px;display:flex;gap:14px;align-items:flex-start;position:relative;z-index:1}
.flow-ico{flex:0 0 40px;height:40px;border-radius:12px;display:grid;place-items:center;background:rgba(220,243,243,.12)}
.flow-step b{display:block;font-size:15px;color:#fff}
.flow-step small{font-size:13.5px;color:#b5c7d8}
.sms{margin-top:8px;background:#fff;color:var(--ink);border-radius:14px 14px 14px 4px;padding:10px 12px;font-size:13px;max-width:280px}
.sms b{color:var(--teal-dk);display:inline;font-size:13px}
.ledger{margin-top:10px;width:100%;border-collapse:collapse;font-size:12.5px;font-family:ui-monospace,Menlo,Consolas,monospace}
.ledger td{padding:5px 6px;border-top:1px dashed rgba(255,255,255,.15)}
.ledger td:last-child{text-align:right}
.posted{color:#7fe0c4;font-weight:700}
.connector{width:2px;height:14px;background:rgba(127,224,196,.4);margin:0 0 0 37px}

/* strip */
.strip{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.strip-item{padding:26px 22px;border-left:1px solid var(--line);display:flex;gap:14px;align-items:center}
.strip-item:first-child{border-left:none}
.strip-item b{display:block;font-size:15px}
.strip-item span{font-size:13.5px;color:var(--ink-2)}
@media(max-width:860px){.strip-grid{grid-template-columns:1fr 1fr}.strip-item:nth-child(3){border-left:none}.strip-item{border-top:1px solid var(--line)}}
@media(max-width:520px){.strip-grid{grid-template-columns:1fr}.strip-item{border-left:none}}
.dot{flex:0 0 44px;width:44px;height:44px;border-radius:50%;background:var(--mint);display:grid;place-items:center}
.dot svg{width:21px;height:21px;stroke:var(--teal-dk);stroke-width:2.1;fill:none;stroke-linecap:round;stroke-linejoin:round}

section.block{padding:90px 0}
section.tight{padding:64px 0}
.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{max-width:740px;margin-bottom:48px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head h2{font-size:clamp(30px,3.6vw,44px);margin:12px 0 16px}
.sec-head p{color:var(--ink-2);font-size:18px}
.prose h2{font-size:30px;margin:44px 0 14px}
.prose h3{font-size:22px;margin:30px 0 10px}
.prose p,.prose li{color:#2c4a63;margin-bottom:14px}
.prose ul,.prose ol{padding-left:22px;margin-bottom:18px}
.prose strong{color:var(--ink)}

/* cards & grids */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card .dot{margin-bottom:18px}
.card h3{font-size:20px;margin-bottom:8px}
.card p{color:var(--ink-2);font-size:15.5px}
.card ul{margin-top:10px;padding-left:18px;color:var(--ink-2);font-size:15px}
a.card{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--teal);transform:translateY(-2px)}
.more{display:inline-block;margin-top:14px;font-weight:700;color:var(--teal-dk);font-size:15px}

/* feature rows */
.frow{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;padding:56px 0;border-top:1px solid var(--line);scroll-margin-top:90px}
.frow:first-child{border-top:0;padding-top:0}
.frow h2{font-size:clamp(26px,3vw,36px);margin:10px 0 14px}
.frow p{color:var(--ink-2);margin-bottom:14px}
.checks{list-style:none;margin-top:8px}
.checks li{padding:7px 0 7px 30px;position:relative;color:#2c4a63}
.checks li::before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:800}
.panel{background:var(--ink);color:#e8f1ef;border-radius:24px;padding:30px;min-height:240px;position:relative;overflow:hidden}
.panel::after{content:"";position:absolute;right:-50px;bottom:-50px;width:180px;height:180px;border-radius:50%;background:radial-gradient(circle,rgba(0,163,167,.4),transparent 70%)}
.panel .row{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-top:1px dashed rgba(255,255,255,.15);font-size:14.5px;position:relative;z-index:1}
.panel .row:first-of-type{border-top:0}
.panel .tag{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#7fe0c4;margin-bottom:12px;position:relative;z-index:1}
.panel .ok{color:#7fe0c4;font-weight:700}
.panel .big{font-family:Poppins,sans-serif;font-size:34px;color:#fff;position:relative;z-index:1}
@media(max-width:880px){.frow{grid-template-columns:1fr;gap:28px}.frow.flip .panel{order:-1}}
.frow.flip > div:first-child{order:2}
@media(max-width:880px){.frow.flip > div:first-child{order:0}}

/* problem */
.pcard{border-radius:var(--radius);padding:34px;border:1px solid var(--line);background:#fff}
.pcard.after{background:var(--teal-dk);color:#fff;border-color:var(--teal-dk)}
.pcard h3{font-size:24px;margin-bottom:18px}
.pcard ul{list-style:none}
.pcard li{padding:10px 0 10px 30px;position:relative;border-top:1px solid rgba(0,0,0,.06)}
.pcard.after li{border-color:rgba(255,255,255,.18)}
.pcard.before li::before{content:"✕";position:absolute;left:0;color:#d4553a;font-weight:800}
.pcard.after li::before{content:"✓";position:absolute;left:0;color:#b9f5e6;font-weight:800}

/* dark band / steps */
.dark{background:var(--ink);color:#e8f1ef}
.dark .eyebrow{color:#7fe0c4}
.dark .sec-head p{color:#b5c7d8}
.dark h2,.dark h3{color:#fff}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:s}
.steps.four{grid-template-columns:repeat(4,1fr)}
.step{border-top:2px solid rgba(127,224,196,.5);padding-top:24px}
.step::before{counter-increment:s;content:"0" counter(s);font-family:Poppins,sans-serif;font-weight:700;font-size:40px;color:var(--teal);display:block;line-height:1;margin-bottom:14px}
.step h3{font-size:21px;margin-bottom:10px}
.step p{color:#b5c7d8;font-size:15.5px}
.light .step{border-top-color:var(--teal)}
.light .step p{color:var(--ink-2)}
@media(max-width:980px){.steps.four{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.steps,.steps.four{grid-template-columns:1fr}}

/* timeline */
.timeline{list-style:none;position:relative;margin-left:10px}
.timeline::before{content:"";position:absolute;left:11px;top:6px;bottom:6px;width:2px;background:var(--line)}
.timeline li{position:relative;padding:0 0 30px 46px}
.timeline li::before{content:"";position:absolute;left:3px;top:4px;width:18px;height:18px;border-radius:50%;background:#fff;border:4px solid var(--teal)}
.timeline h3{font-size:19px;margin-bottom:4px}
.timeline .when{font-size:13px;font-weight:700;color:var(--teal-dk);letter-spacing:.06em;text-transform:uppercase}
.timeline p{color:var(--ink-2)}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:12px}
.chip{background:#fff;border:1px solid #b4e2e3;border-radius:999px;padding:11px 20px;font-weight:600;text-decoration:none;color:var(--ink)}
a.chip:hover{border-color:var(--teal);background:var(--mint)}

/* table */
.cmp{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);font-size:15.5px}
.cmp th,.cmp td{padding:14px 18px;text-align:left;border-top:1px solid var(--line)}
.cmp thead th{background:var(--ink);color:#fff;font-family:Poppins,sans-serif;font-weight:600;border-top:0}
.cmp td.y{color:var(--teal-dk);font-weight:800}
.cmp td.n{color:#b04a33;font-weight:800}
.table-wrap{overflow-x:auto}

/* quote / cta box */
.cta-box{background:linear-gradient(135deg,#00a3a7,#007f83);color:#fff;border-radius:26px;padding:48px;display:grid;grid-template-columns:1.4fr auto;gap:30px;align-items:center}
.cta-box h2{font-size:clamp(26px,3vw,36px);margin-bottom:10px}
.cta-box p{opacity:.92}
@media(max-width:760px){.cta-box{grid-template-columns:1fr;padding:34px}}
.note{background:var(--mint);border-left:4px solid var(--teal);border-radius:12px;padding:18px 20px;color:#20445f;font-size:15.5px}

/* faq */
details{border-bottom:1px solid var(--line);padding:20px 0}
summary{cursor:pointer;font-weight:700;font-size:17.5px;list-style:none;display:flex;justify-content:space-between;gap:20px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:Poppins,sans-serif;font-size:24px;color:var(--teal);line-height:1}
details[open] summary::after{content:"–"}
details p{margin-top:12px;color:var(--ink-2)}
.faq-group h2{font-size:26px;margin:40px 0 6px}

/* form */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px}
@media(max-width:880px){.contact-grid{grid-template-columns:1fr}}
form.lead-form{background:#fff;color:var(--ink);border-radius:24px;padding:34px;display:grid;grid-template-columns:1fr 1fr;gap:16px;border:1px solid var(--line);box-shadow:0 30px 60px -40px rgba(4,52,94,.35)}
form .full{grid-column:1/-1}
label{font-size:13.5px;font-weight:700;display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:15.5px;background:#fdfdfd;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal)}
textarea{min-height:96px;resize:vertical}
.form-msg{grid-column:1/-1;display:none;padding:14px;border-radius:12px;background:var(--mint);font-weight:600}
.fine{font-size:12.5px;color:var(--ink-2)}
.hp{display:none}
@media(max-width:560px){form.lead-form{grid-template-columns:1fr}}
.info-list{display:grid;gap:16px;margin-top:26px}
.info-list b{display:block}

/* article list */
.article-meta{font-size:14px;color:var(--ink-2);margin-top:6px}

/* footer */
footer.site{background:var(--navy-dk);color:#9fb4c8;padding:60px 0 36px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
footer.site h4{color:#fff;font-size:15px;margin-bottom:14px}
footer.site ul{list-style:none}
footer.site li{margin-bottom:8px}
footer.site a{color:#9fb4c8;text-decoration:none}
footer.site a:hover{color:#fff}
.foot-logo{display:inline-block;background:#fff;border-radius:12px;padding:10px 14px;margin-bottom:14px}
.foot-logo img{height:30px}
.legal{margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.08);font-size:12.5px;line-height:1.7}
.logo{display:flex;align-items:center;gap:14px;text-decoration:none}
.byline{border-left:1.5px solid var(--line);padding-left:14px;font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-2);line-height:1.2;white-space:nowrap}
.byline b{color:var(--teal-dk)}
@media(max-width:420px){.logo img{height:32px}.byline{font-size:10px;padding-left:10px;letter-spacing:.08em}.logo{gap:10px}}
.menu a.tel{color:var(--ink);font-weight:700;white-space:nowrap}
@media(min-width:981px) and (max-width:1180px){.menu{gap:16px;font-size:14px}.byline{display:none}}
.menu{gap:22px}
.menu > li > a{white-space:nowrap}
@media(min-width:981px) and (max-width:1240px){.menu{gap:16px;font-size:14px}.byline{display:none}.menu .btn{padding:9px 15px}}
.logo{flex-shrink:0}
@media(min-width:1241px) and (max-width:1420px){.menu{gap:17px;font-size:14.5px}.menu .btn{padding:10px 16px}}