:root{
 --navy:#0B2749;--navy2:#12385F;--gold:#C89233;--gold2:#E2B866;--ink:#0C2037;--muted:#617084;
 --sky:#EEF5FB;--warm:#FBF8F2;--paper:#fff;--line:#DDE5ED;--green:#1F7251;--radius:22px;
 --shadow:0 20px 55px rgba(7,34,67,.12)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.58}
a{text-decoration:none;color:inherit}img{max-width:100%;display:block}
.topbar{background:var(--navy);color:#dce7f3;font-size:12px}.topbar-inner{max-width:1240px;margin:auto;padding:7px 26px;display:flex;justify-content:space-between;gap:20px}.topbar strong{color:#fff}
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1px solid rgba(15,43,74,.08);box-shadow:0 5px 22px rgba(15,43,74,.05)}
.navwrap{max-width:1240px;margin:auto;padding:12px 26px;display:flex;align-items:center;gap:26px}.brand-logo{width:300px;max-width:32vw}.navwrap nav{margin-left:auto;display:flex;align-items:center;gap:22px}.navwrap nav a{font-size:14px;font-weight:700;color:#30465d}.navwrap nav a:hover{color:var(--gold)}.menu{display:none;background:transparent;border:0;font-size:26px;color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:10px;padding:14px 21px;font-weight:800;cursor:pointer;transition:.2s;box-shadow:none}.btn:hover{transform:translateY(-1px)}.btn.primary{background:linear-gradient(135deg,var(--gold),#dda944);color:white;box-shadow:0 10px 24px rgba(190,133,40,.23)}.btn.navy{background:var(--navy);color:#fff}.btn.secondary{background:#fff;border:1px solid #cad5e0;color:var(--navy)}.btn.small{padding:11px 16px;font-size:13px}
main{overflow:hidden}.container,main>section:not(.hero-premium):not(.trust-strip):not(.fullbleed){max-width:1180px;margin-left:auto;margin-right:auto;padding-left:24px;padding-right:24px}
.eyebrow{font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:900;color:#B2781E}
.hero-premium{background:linear-gradient(90deg,#fff 0%,#fff 43%,#f4f9fd 100%);position:relative}
.hero-inner{max-width:1240px;margin:auto;min-height:650px;padding:58px 26px 44px;display:grid;grid-template-columns:1.03fr .96fr .77fr;gap:25px;align-items:center;position:relative}
.hero-copy{z-index:2}.hero-copy h1{font-size:clamp(43px,4.8vw,68px);line-height:1.02;letter-spacing:-.05em;margin:12px 0 22px;color:var(--navy)}.hero-copy h1 span{color:var(--gold)}.lead{font-size:19px;color:var(--muted);max-width:660px}.hero-checks{display:grid;gap:10px;margin:26px 0}.hero-checks span{font-weight:700;color:#31475d}.hero-checks i{font-style:normal;color:var(--gold);margin-right:9px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.microtrust{font-size:12px;color:#738195;margin-top:13px}
.hero-visual{align-self:stretch;display:flex;align-items:end}.hero-visual img{width:100%;filter:drop-shadow(0 18px 30px rgba(12,43,76,.12))}
.hero-calc{background:linear-gradient(160deg,#0B2749,#0E3C69);color:white;padding:24px;border-radius:24px;box-shadow:0 28px 55px rgba(5,31,62,.28);position:relative;z-index:3}.hero-calc h2{font-size:23px;margin:0 0 4px}.hero-calc .sub{font-size:13px;color:#cbd8e5;margin:0 0 17px}.quickgrid{display:grid;grid-template-columns:1fr 1fr;gap:9px}.quickgrid label{font-size:11px;font-weight:800;color:#dbe6f0}.quickgrid input{width:100%;margin-top:5px;padding:11px;border:0;border-radius:8px;font:inherit}.calc-result{margin:15px 0 12px;background:white;color:var(--navy);border-radius:13px;padding:15px;text-align:center}.calc-result span{display:block;font-size:12px;color:#647488}.calc-result b{display:block;font-size:30px;line-height:1.1;color:var(--green);margin-top:3px}.calc-result small{color:#758498}
.trust-strip{background:var(--navy);color:white}.trust-inner{max-width:1240px;margin:auto;padding:15px 26px;display:grid;grid-template-columns:repeat(4,1fr);gap:0}.trust-item{display:flex;align-items:center;gap:12px;padding:8px 18px;border-right:1px solid rgba(255,255,255,.13)}.trust-item:last-child{border-right:0}.trust-icon{width:38px;height:38px;border:1px solid rgba(226,184,102,.65);border-radius:50%;display:grid;place-items:center;color:var(--gold2);font-size:19px}.trust-item b{display:block;font-size:14px}.trust-item span{font-size:11px;color:#afc0d0}
.section-head{text-align:center;max-width:780px;margin:0 auto 30px}.section-head h2,section>h2,.split h2{font-size:clamp(30px,3.4vw,46px);line-height:1.08;letter-spacing:-.035em;color:var(--navy);margin:8px 0 13px}.section-head p{color:var(--muted)}
section{padding-top:58px;padding-bottom:58px}.services-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:13px}.service-card{border:1px solid var(--line);border-radius:18px;padding:21px 18px;background:#fff;box-shadow:0 8px 26px rgba(14,47,79,.05);transition:.2s}.service-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.service-card img{width:62px;margin-bottom:14px}.service-card h3{font-size:16px;color:var(--navy);margin:0 0 8px}.service-card p{font-size:13px;color:var(--muted)}.service-card a{font-size:13px;font-weight:800;color:#9C681C}
.benefit-band{background:var(--warm);border-radius:28px;padding:34px!important}.benefit-grid{display:grid;grid-template-columns:.75fr repeat(3,1fr);gap:18px;align-items:stretch}.benefit-intro{padding:15px}.benefit-intro h2{font-size:34px;margin-top:8px}.benefit-tile{background:#fff;border:1px solid #eadfcd;border-radius:18px;overflow:hidden}.benefit-image{height:150px;background:linear-gradient(145deg,#d8e8f5,#f4ead5);display:grid;place-items:center}.benefit-image img{height:125px}.benefit-tile div:last-child{padding:17px}.benefit-tile h3{margin:0;color:var(--navy)}.benefit-tile p{font-size:13px;color:var(--muted)}
.split{display:grid;grid-template-columns:1.3fr .7fr;gap:34px;align-items:start}.note{background:#F4F8FB;border:1px solid #DCE8F1;border-left:5px solid var(--gold);border-radius:0 16px 16px 0;padding:22px}.note strong{color:var(--navy)}.note p{color:#5d7184;margin-bottom:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.card{border:1px solid var(--line);border-radius:18px;padding:24px;background:white}.card h3{color:var(--navy);margin-top:0}.card p{color:var(--muted)}
.cta-box{background:linear-gradient(135deg,var(--navy),#123f6d);color:white;border-radius:26px;padding:38px 40px!important;display:flex;align-items:center;justify-content:space-between;gap:28px;box-shadow:var(--shadow)}.cta-box h2{color:white;margin:4px 0 8px}.cta-box p{color:#c8d7e6}.cta-box .eyebrow{color:var(--gold2)}.cta-actions{display:flex;gap:10px;flex-wrap:wrap}.cta-box .secondary{background:transparent;color:#fff;border-color:#6f89a1}
.linkgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}.linkgrid a{border:1px solid var(--line);border-radius:15px;padding:16px;background:#fff}.linkgrid b,.linkgrid span{display:block}.linkgrid b{color:var(--navy)}.linkgrid span{font-size:12px;color:var(--muted);margin-top:5px}
.pagehero{background:linear-gradient(180deg,#F5F9FC,#fff);max-width:none!important;padding:65px max(24px,calc((100vw - 1132px)/2)) 42px!important;border-bottom:1px solid var(--line)}.pagehero h1{font-size:clamp(40px,5vw,64px);line-height:1.04;letter-spacing:-.05em;color:var(--navy);margin:10px 0 18px}
.calculator{background:linear-gradient(140deg,#082848,#104779)!important;color:#fff;border-radius:28px;padding:34px!important;box-shadow:var(--shadow)}.calculator h2{color:white}.formgrid{display:grid;grid-template-columns:repeat(5,1fr);gap:11px;margin-bottom:18px}.formgrid label{font-size:12px;font-weight:800;color:#d8e4ee}.formgrid input{display:block;width:100%;margin-top:7px;padding:12px;border:0;border-radius:9px;background:#fff;font:inherit}.results{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:22px}.results div{padding:16px;border-radius:14px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16)}.results span,.results b{display:block}.results span{font-size:11px;color:#c6d4e1}.results b{font-size:21px;margin-top:5px;color:white}.calculator .fineprint{color:#b9cad9}
.faq details{border-bottom:1px solid var(--line);padding:18px 2px}.faq summary{font-size:18px;font-weight:800;color:var(--navy);cursor:pointer}.faq p,.prose p{color:var(--muted)}.prose{max-width:830px}.related{display:flex;flex-wrap:wrap;gap:9px}.related a{border:1px solid var(--line);border-radius:999px;padding:10px 14px;font-weight:700;color:var(--navy)}
footer{background:#071D35;color:#d7e1eb;padding:54px 24px 24px}.footergrid{max-width:1180px;margin:auto;display:grid;grid-template-columns:2fr repeat(3,1fr);gap:34px}.footergrid>div{display:flex;flex-direction:column;gap:8px}.footergrid p{max-width:380px;color:#9fb1c3}.footergrid b{color:#fff}.footer-logo{width:260px;filter:brightness(0) invert(1);opacity:.95}.footnote{max-width:1180px;margin:36px auto 0;padding-top:20px;border-top:1px solid #284056;color:#8fa3b5;font-size:12px}
@media(max-width:1080px){.hero-inner{grid-template-columns:1.05fr .95fr}.hero-calc{grid-column:1/-1;max-width:760px;width:100%;justify-self:center}.services-grid{grid-template-columns:repeat(3,1fr)}.benefit-grid{grid-template-columns:1fr 1fr}.benefit-intro{grid-column:1/-1}.trust-inner{grid-template-columns:1fr 1fr}.trust-item:nth-child(2){border-right:0}}
@media(max-width:820px){.topbar{display:none}.brand-logo{max-width:230px;width:58vw}.navwrap nav{display:none}.navwrap>.btn{display:none}.menu{display:block;margin-left:auto}.navopen .navwrap nav{display:flex;position:absolute;left:0;right:0;top:70px;padding:20px 24px;background:#fff;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.hero-inner{grid-template-columns:1fr;padding-top:40px}.hero-visual{max-height:430px;overflow:hidden}.hero-visual img{max-height:430px}.services-grid{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.grid3,.linkgrid{grid-template-columns:1fr 1fr}.formgrid,.results{grid-template-columns:1fr 1fr}.cta-box{display:block}.footergrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.hero-copy h1{font-size:44px}.lead{font-size:17px}.quickgrid,.services-grid,.benefit-grid,.trust-inner,.grid3,.linkgrid,.formgrid,.results,.footergrid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}.cta-box{padding:28px 22px!important}.benefit-band{padding:22px!important}.hero-calc{padding:20px}}

.hero-checks strong{color:var(--navy)}
.calc-trust{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin:10px 0 2px}
.calc-trust span{font-size:10px;font-weight:800;color:#dfe9f2;border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:5px 8px}
.trust-icon{font-size:12px;font-weight:900;letter-spacing:-.03em}
.proof-section{padding-top:72px!important;padding-bottom:44px!important}
.proof-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.proof-card{border:1px solid var(--line);border-radius:20px;padding:25px;background:linear-gradient(180deg,#fff,#fbfcfd);box-shadow:0 8px 25px rgba(8,41,73,.05);text-align:center}
.proof-card strong{display:block;font-size:34px;line-height:1;color:var(--gold);letter-spacing:-.04em}
.proof-card span{display:block;font-weight:900;color:var(--navy);margin:8px 0}
.proof-card p{font-size:12px;color:var(--muted);margin-bottom:0}
.conversion-band{background:linear-gradient(120deg,#F7F1E6,#fff);border:1px solid #eadcc4;border-radius:26px;padding:32px 36px!important;display:grid;grid-template-columns:1.5fr .5fr auto;gap:30px;align-items:center;margin-top:10px!important;margin-bottom:30px!important}
.conversion-band h2{font-size:32px!important;margin:4px 0 8px!important}
.conversion-band p{margin:0;color:var(--muted)}
.conversion-rating{text-align:center;border-left:1px solid #e2d4bb;border-right:1px solid #e2d4bb;padding:0 25px}
.conversion-rating span{display:block;color:var(--gold);letter-spacing:2px}
.conversion-rating strong{display:block;font-size:26px;color:var(--navy)}
.conversion-rating small{display:block;color:var(--muted);font-size:10px}
.cta-proof{font-size:12px!important;color:#f0d9af!important;font-weight:800;letter-spacing:.02em;margin-top:12px!important}
.trust-footnote{padding-top:16px!important;padding-bottom:50px!important}
.trust-footnote p{font-size:11px;color:#7b8896;border-top:1px solid var(--line);padding-top:16px}
@media(max-width:900px){.proof-grid{grid-template-columns:1fr 1fr}.conversion-band{grid-template-columns:1fr}.conversion-rating{border-left:0;border-right:0;border-top:1px solid #e2d4bb;border-bottom:1px solid #e2d4bb;padding:18px 0}}
@media(max-width:560px){.proof-grid{grid-template-columns:1fr}}