:root{color-scheme:light;--bg:#F5F9FF;--bg-2:#E9F1FF;--card:#FFFFFF;--line:#D5E0F3;--ink:#0F2247;--text:#182B50;--mute:#4A5B7A;--blue:#2B63D9;--blue-deep:#1B3F9E;--blue-soft:#E3ECFF;--gold:#F4B62E;--gold-deep:#8C5E05;--gold-soft:#FFF3D1;--keep:#0E9F66;--keep-soft:#DDF6EA;--pay:#E24E36;--pay-soft:#FDE6E1;--shadow:0 20px 50px -22px rgba(27,63,158,.35);--radius:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:"Instrument Sans",ui-sans-serif,system-ui,"Segoe UI",Helvetica,Arial,sans-serif;font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:"Barlow Condensed","Arial Narrow",Impact,sans-serif;text-wrap:balance;margin:0;line-height:1.02;letter-spacing:-.01em;color:var(--ink)}
h1{font-size:clamp(40px,6.4vw,74px);font-weight:800;text-transform:uppercase}
h2{font-size:clamp(30px,4.2vw,46px);font-weight:800;text-transform:uppercase;margin-top:44px}
h3{font-size:clamp(22px,2.6vw,28px);font-weight:700;margin-top:28px}
p{margin:0 0 16px}a{color:var(--blue)}img{max-width:100%;display:block;height:auto}
.wrap{max-width:1180px;margin:0 auto;padding-inline:20px}
.narrow{max-width:820px}
.eyebrow{font-family:"Barlow Condensed",sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:.14em;font-size:13px;color:var(--gold-deep)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:15px 26px;font-weight:600;text-decoration:none;border:2px solid transparent;font-size:16px;transition:transform .15s;cursor:pointer}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#2A1E00;box-shadow:0 12px 26px -10px rgba(244,182,46,.9)}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 12px 26px -10px rgba(43,99,217,.85)}
.btn-line{border-color:var(--blue);color:var(--blue);background:#fff}
.bar{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.bar .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:66px}
.bar .logo{height:50px;width:auto}
.nav{display:flex;gap:4px;flex-wrap:wrap}
.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:14.5px;padding:8px 11px;border-radius:999px}
.nav a:hover,.nav a[aria-current]{background:var(--blue-soft);color:var(--blue-deep)}
.bar-cta{background:var(--gold);color:#2A1E00;border:0;border-radius:999px;padding:11px 18px;font-weight:700;font-size:14px;text-decoration:none;white-space:nowrap}
.menu-btn{display:none;border:1.5px solid var(--line);background:#fff;border-radius:10px;padding:8px 10px;font-weight:700}
@media (max-width:980px){.nav{display:none;position:absolute;left:0;right:0;top:66px;background:#fff;border-bottom:1px solid var(--line);padding:10px 16px 16px;flex-direction:column}.nav.open{display:flex}.menu-btn{display:inline-block}.bar .logo{height:40px}}
.hero{position:relative;overflow:hidden;padding-block:52px 44px;background:radial-gradient(760px 460px at 6% -4%,rgba(244,182,46,.42),transparent 62%),radial-gradient(900px 560px at 100% 14%,rgba(43,99,217,.24),transparent 60%),linear-gradient(180deg,#FFFFFF 0%,var(--bg) 100%)}
.hero .lede{max-width:62ch;margin-top:18px;font-size:clamp(17px,1.6vw,20px)}
.hero .crumbs{font-size:13.5px;color:var(--mute);margin-bottom:14px}.hero .crumbs a{color:var(--mute);text-decoration:none}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero-img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;max-width:420px;justify-self:end;object-fit:cover}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px;align-items:center}
.answer{background:#fff;border:1.5px solid var(--line);border-left:6px solid var(--gold);border-radius:14px;padding:20px 22px;margin:28px 0;box-shadow:var(--shadow)}
.answer .eyebrow{display:block;margin-bottom:8px}
.answer p:last-child{margin:0}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:26px 0}
.stat{background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:16px}
.stat .num{font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:34px;color:var(--blue);line-height:1}
.stat small{display:block;color:var(--mute);font-size:13px;margin-top:4px}
.main{padding-block:28px 40px}
.main ul,.main ol{padding-left:22px;margin:0 0 18px}.main li{margin-bottom:6px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:22px 0}
.card{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:inherit;display:block}
.card:hover{border-color:var(--blue)}.card h3{margin-top:0;font-size:22px}.card p{color:var(--mute);font-size:15px;margin:8px 0 0}
table{width:100%;border-collapse:collapse;margin:16px 0 24px;background:#fff;border:1.5px solid var(--line);border-radius:12px;overflow:hidden;font-size:15.5px}
th,td{padding:11px 12px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--blue-soft);color:var(--blue-deep);font-family:"Barlow Condensed",sans-serif;font-size:16px;text-transform:uppercase;letter-spacing:.04em}
.faq details{background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:700;cursor:pointer;color:var(--ink);font-size:17px}
.faq details p{margin:10px 0 0}
.cta{background:var(--ink);color:#fff;border-radius:var(--radius);padding:34px 28px;margin:40px 0 10px;display:grid;grid-template-columns:1.3fr .7fr;gap:20px;align-items:center}
.cta h2{color:#fff;margin:0}.cta p{color:#C9D3EA;margin:8px 0 0}.cta .actions{margin-top:0;justify-content:flex-end}
@media (max-width:760px){.cta{grid-template-columns:1fr}.cta .actions{justify-content:flex-start}}
.byline{display:flex;gap:14px;align-items:center;background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:12px 16px;margin:24px 0;font-size:14.5px;color:var(--mute)}
.byline img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.byline b{color:var(--ink)}
.toc{background:var(--blue-soft);border-radius:12px;padding:14px 18px;margin:20px 0;font-size:15px}.toc a{text-decoration:none;color:var(--blue-deep)}.toc li{margin:3px 0}
.review{background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:18px;margin-bottom:12px}
.review .stars{color:var(--gold-deep);letter-spacing:2px;font-size:14px}
.review p{margin:8px 0 4px}.review small{color:var(--mute)}
.perks{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px;margin:18px 0}
.perk{background:var(--keep-soft);border-radius:12px;padding:12px 14px;font-size:15px;font-weight:600;color:#0a5c3c}
.contact-box{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:22px;margin-top:20px}
.contact-box b{color:var(--ink)}
footer{padding-block:34px 40px;font-size:14px;color:var(--mute);border-top:1px solid var(--line);background:#fff}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:24px;margin-bottom:22px}
footer h4{font-size:16px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:4px 0}footer a{color:var(--text);text-decoration:none}footer a:hover{color:var(--blue)}
ul.related{list-style:none;padding:0;margin:14px 0}
ul.related li{margin:0;padding:10px 0;border-bottom:1px solid var(--line)}
ul.related a{font-weight:600}
footer .dirblock{border-top:1px solid var(--line);padding-top:18px;margin-bottom:18px}
footer .dirblock h4{font-size:13px;margin:12px 0 5px}
footer .dirlinks{font-size:13px;line-height:1.9;color:var(--mute);margin:0}
footer .dirlinks a{color:var(--text)}
footer .legal{border-top:1px solid var(--line);padding-top:16px;font-size:12.5px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
@media (max-width:860px){footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer .cols{grid-template-columns:1fr}}
.sticky-call{position:fixed;bottom:14px;left:50%;transform:translateX(-50%);display:none;gap:8px;z-index:40}
@media (max-width:640px){.sticky-call{display:flex}body{padding-bottom:72px}}
.sticky-call a{background:var(--ink);color:#fff;text-decoration:none;border-radius:999px;padding:12px 18px;font-weight:700;font-size:14px;box-shadow:0 10px 24px -10px rgba(0,0,0,.6)}
.sticky-call a.g{background:var(--gold);color:#2A1E00}