:root{--navy:#102038;--em:#08b088;--em-d:#05745a;--bg:#f6f8fb;--card:#fff;--line:#d9e0ea;--mut:#5b6577;--warn:#b45309;--err:#b42318;
  --r:14px;--sh:0 1px 2px rgba(16,32,56,.06),0 8px 24px rgba(16,32,56,.07);box-sizing:border-box}
*,*::before,*::after{box-sizing:inherit}
html{scroll-behavior:smooth;scroll-padding-top:72px}
body{margin:0;background:var(--bg);color:var(--navy);font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  padding-bottom:env(safe-area-inset-bottom,0)}
img{max-width:100%;height:auto}
a{color:var(--em-d)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(30px,5.4vw,48px);font-weight:800}
h2{font-size:clamp(24px,3.6vw,34px);font-weight:800}
h3{font-size:19px}
p{margin:0 0 1em}
.mut{color:var(--mut)}
.em{color:var(--em-d)}
/* header */
.top{position:sticky;top:0;z-index:30;background:rgba(246,248,251,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0)}
.top .wrap{display:flex;align-items:center;gap:18px;height:62px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);text-decoration:none;font-weight:800;font-size:19px}
.brand img{width:34px;height:34px}
.brand span b{color:var(--em-d)}
.nav{margin-left:auto;display:flex;align-items:center;gap:20px}
.nav a{color:var(--navy);text-decoration:none;font-size:15px;font-weight:600}
.nav a:hover{color:var(--em-d)}
@media(max-width:760px){.nav a.hide-m{display:none}}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;font-size:17px;border:0;border-radius:12px;padding:14px 22px;cursor:pointer;text-decoration:none;
  background:var(--em);color:var(--navy);transition:transform .08s,box-shadow .15s,background .15s;min-height:48px}
.btn:hover{background:#09c297;box-shadow:0 6px 18px rgba(8,176,136,.35)}
.btn:active{transform:translateY(1px)}
.btn.dark{background:var(--navy);color:#fff}.btn.dark:hover{background:#17304f;box-shadow:0 6px 18px rgba(16,32,56,.3)}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}.btn.ghost:hover{background:#fff;box-shadow:none;border-color:var(--navy)}
.btn.sm{font-size:15px;padding:10px 16px;min-height:40px}
.btn.block{width:100%}
.btn[disabled]{opacity:.6;cursor:wait}
:focus-visible{outline:3px solid var(--em);outline-offset:2px;border-radius:6px}
/* hero */
.hero{padding:34px 0 28px;background:linear-gradient(180deg,#eaf7f3 0,var(--bg) 100%)}
.hero .grid{display:grid;grid-template-columns:1.05fr 1fr;gap:34px;align-items:start}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr}}
.eyebrow{display:inline-block;font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--em-d);background:#d8f3ea;border-radius:99px;padding:5px 12px;margin-bottom:14px}
.lead{font-size:19px;color:#2b3b55}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;padding:0;list-style:none}
.chips li{font-size:14px;font-weight:600;background:#fff;border:1px solid var(--line);border-radius:99px;padding:6px 12px}
.chips li::before{content:"✓ ";color:var(--em-d);font-weight:800}
/* cards & calculator */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:20px}
.calc h2{font-size:21px;margin-bottom:4px}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:12px}.fg>div{min-width:0}
@media(max-width:520px){.fg{grid-template-columns:1fr}}
label{display:block;font-size:14px;font-weight:600;margin-bottom:4px}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;font-size:17px;color:var(--navy);background:#f1f4f8;border:1.5px solid var(--line);border-radius:10px;padding:12px;min-height:48px}
textarea{min-height:90px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--em);background:#fff;box-shadow:0 0 0 3px rgba(8,176,136,.2)}
.hint{font-size:13px;color:var(--mut);margin-top:3px}
details.opt{margin:12px 0 0}details.opt summary{cursor:pointer;font-weight:600;font-size:15px;color:var(--em-d)}
.err{color:var(--err);font-weight:600;font-size:15px;margin:10px 0 0}
.res{margin-top:18px;border-top:1px dashed var(--line);padding-top:18px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.opts{grid-template-columns:1fr}}
.opt-box{border:1.5px solid var(--line);border-radius:12px;padding:14px;background:#fff}
.opt-box.win{border-color:var(--em);background:#effaf6;box-shadow:inset 0 0 0 1px var(--em)}
.opt-box h3{font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--mut);margin-bottom:6px}
.big{font-size:30px;font-weight:800;line-height:1.1}
.delta{margin:14px 0 4px;font-weight:700;font-size:18px}
.stack{display:grid;gap:10px;margin-top:14px}
.save{margin-top:16px;padding-top:14px;border-top:1px dashed var(--line)}
.save .row{display:flex;gap:8px;flex-wrap:wrap}.save .row input{flex:1;min-width:200px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;font-weight:400;line-height:1.45;margin:10px 0}
.check input{width:22px;height:22px;margin-top:1px;flex:none;accent-color:var(--em-d)}
.ok{color:var(--em-d);font-weight:700}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
/* sections */
section{padding:56px 0}
section.alt{background:#fff;border-block:1px solid var(--line)}
.sec-h{max-width:720px;margin-bottom:28px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:s}
@media(max-width:800px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;position:relative}
.step::before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--em);color:var(--navy);font-weight:800;margin-bottom:10px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
@media(max-width:800px){.two{grid-template-columns:1fr}}
ul.ticks{list-style:none;padding:0;margin:0}
ul.ticks li{padding:6px 0 6px 28px;position:relative}
ul.ticks li::before{content:"✓";position:absolute;left:0;color:var(--em-d);font-weight:800}
.prices{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.price{background:#fff;border:1.5px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column;gap:6px}
.price.hot{border-color:var(--em);box-shadow:var(--sh);position:relative}
.price .tag{position:absolute;top:-12px;left:20px;background:var(--em);color:var(--navy);font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;border-radius:99px;padding:4px 12px}
.price .amt{font-size:42px;font-weight:800;line-height:1}
.price .amt small{font-size:16px;font-weight:600;color:var(--mut)}
.price ul{flex:1}
.guar{display:flex;gap:12px;align-items:center;background:#effaf6;border:1px solid #bfe9dc;border-radius:var(--r);padding:14px 16px;margin-top:20px;font-weight:600}
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px;margin-bottom:10px}
details.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
details.faq summary::after{content:"+";font-size:22px;color:var(--em-d);line-height:1}
details.faq[open] summary::after{content:"–"}
details.faq p{color:#2b3b55}
.final{background:var(--navy);color:#fff;text-align:center;border-radius:20px;padding:44px 22px}
.final h2{color:#fff}.final p{color:#cbd5e5}
/* footer */
footer{background:var(--navy);color:#cbd5e5;padding:40px 0 calc(90px + env(safe-area-inset-bottom,0));font-size:14px}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
@media(max-width:760px){footer .cols{grid-template-columns:1fr}}
footer h4{color:#fff;margin:0 0 8px;font-size:14px}
footer ul{list-style:none;margin:0;padding:0}footer li{margin:5px 0}
.disc{font-size:13px;color:#9fb0c8;margin-top:22px;border-top:1px solid #23395a;padding-top:16px}
/* sticky mobile bar */
.mbar{display:none}
@media(max-width:760px){.mbar{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom,0))}
  .mbar .btn{flex:1;font-size:15px;padding:12px 10px}}
/* modal */
.modal{position:fixed;inset:0;z-index:60;background:rgba(16,32,56,.55);display:none;align-items:flex-end;justify-content:center;padding:0}
.modal.on{display:flex}
.sheet{background:#fff;width:100%;max-width:520px;max-height:94vh;overflow:auto;border-radius:20px 20px 0 0;padding:22px 20px calc(24px + env(safe-area-inset-bottom,0))}
@media(min-width:640px){.modal{align-items:center;padding:20px}.sheet{border-radius:20px}}
.sheet h3{font-size:22px}
.close{float:right;background:none;border:0;font-size:28px;line-height:1;cursor:pointer;color:var(--mut);padding:0 4px}
.sum{background:#f1f4f8;border-radius:10px;padding:10px 12px;font-size:14px;margin:8px 0 14px}
.legal{max-width:760px;margin:0 auto;padding:36px 20px 60px}
.legal h1{font-size:32px}.legal h2{font-size:21px;margin-top:1.6em}.legal h3{font-size:17px;margin-top:1.2em}
.legal table{border-collapse:collapse;width:100%;font-size:15px;margin:12px 0}.legal th,.legal td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.legal th{background:#eef2f7}
.legal blockquote{border-left:4px solid var(--em);margin:14px 0;padding:6px 16px;background:#effaf6}
mark{background:#fff3b0;padding:0 3px;border-radius:3px}
@media print{.top,.mbar,footer,.modal{display:none!important}body{background:#fff}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}