:root{--navy-900:#1A1A3E;--navy-800:#232A5C;--navy-700:#2E3672;--ink:#1A1D2E;--slate:#4A4F63;--steel:#6B7085;--gold-500:#C9A24B;--gold-600:#B8913A;--gold-700:#7A5C14;--gold-200:#E3C27A;--silver:#C3C7CF;--line:#D9D6CC;--tint:#DDE0E5;--paper:#FFFFFF;--error:#B42318;--success:#1E7A46;--sh1:0 1px 2px rgba(20,24,63,.06),0 4px 14px rgba(20,24,63,.06);--sh2:0 6px 16px rgba(20,24,63,.08),0 20px 48px rgba(20,24,63,.10);--fh:'Outfit',system-ui,sans-serif;--fb:'Inter',system-ui,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-padding-top:24px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 18px/1.6 var(--fb);font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--fh);color:var(--navy-900);margin:0 0 .5em;text-wrap:balance}
h1{font-size:44px;line-height:1.15;font-weight:600;letter-spacing:-.01em}
h2{font-size:34px;line-height:1.2;font-weight:600;letter-spacing:-.005em}
h3{font-size:26px;line-height:1.25;font-weight:500}
h4{font-size:20px;line-height:1.3;font-weight:500}
p{margin:0 0 1em;max-width:70ch;text-wrap:pretty}
ul,ol{padding-left:1.2em;margin:0 0 1em}
li{margin-bottom:.4em}
a{color:var(--navy-900);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--navy-700);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--navy-900);outline-offset:2px;border-radius:2px}
.on-navy :focus-visible,.navy :focus-visible{outline-color:var(--gold-200)}
::selection{background:var(--gold-200);color:var(--navy-900)}
.wrap{max-width:1248px;margin:0 auto;padding:0 24px}
.narrow{max-width:808px}
.sec{padding:96px 0}
.sec+.sec:not(.tint):not(.navy){padding-top:0}
.tint{background:var(--tint)}
.tint+.sec{padding-top:96px!important}
.navy{background:var(--navy-900);color:#fff}
.navy h1,.navy h2,.navy h3,.navy h4{color:#fff}
.navy p,.navy li{color:var(--silver)}
.navy a{color:#fff}
.kicker{display:block;font:600 14px/1.4 var(--fb);letter-spacing:.08em;text-transform:uppercase;color:var(--gold-700);margin-bottom:12px}
.navy .kicker{color:var(--gold-500)}
.lead{font-size:20px;color:var(--slate)}
.navy .lead{color:var(--silver)}
.small{font-size:15px;line-height:1.5;color:var(--slate)}
.navy .small{color:var(--silver)}
.head{max-width:760px;margin-bottom:48px}
.head p:last-child{margin-bottom:0}
.skip{position:absolute;left:16px;top:-60px;background:var(--gold-500);color:var(--navy-900);padding:10px 16px;border-radius:6px;z-index:100;font-weight:600}
.skip:focus{top:8px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 26px;border-radius:6px;font:600 17px/1.2 var(--fb);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background-color .15s,color .15s,border-color .15s;white-space:nowrap}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--gold-500);color:var(--navy-900)!important}
.btn-primary:hover{background:var(--gold-600)}
.btn-primary:active{background:var(--gold-700);color:#fff!important}
.btn-secondary{background:transparent;border-color:var(--navy-900);color:var(--navy-900)}
.btn-secondary:hover{background:var(--tint);color:var(--navy-900)}
.navy .btn-secondary,.on-navy .btn-secondary{border-color:#fff;color:#fff}
.navy .btn-secondary:hover{background:var(--navy-700)}
.btn-sm{min-height:44px;padding:0 18px;font-size:15px}
.actions{display:flex;flex-wrap:wrap;gap:16px;align-items:center}
.textlink{font-weight:600}
/* licence bar + header */
.licbar{background:var(--navy-800);color:var(--silver);font-size:14px;line-height:1.3}
.licbar a{color:#fff}
.lb-in{min-height:32px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.lb-in p{margin:0}
.lb-r{display:flex;gap:20px;align-items:center}
.lang{display:flex;gap:6px}
.lang span[aria-disabled]{color:var(--silver);opacity:.7}
.lb-short{display:none}
.hdr{background:var(--navy-900);position:relative;z-index:20}
.hdr-in{display:flex;align-items:center;gap:32px;min-height:84px}
.logo{flex:none;display:block}
.logo img{height:46px;width:auto}
#nav{display:flex;align-items:center;gap:28px;flex:1;justify-content:flex-end}
.nav-l{display:flex;list-style:none;margin:0;padding:0;gap:4px;align-items:center}
.nav-l>li{margin:0;position:relative}
.nav-l>li>a,.nav-l>li>button{display:flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;color:#fff;background:none;border:0;font:500 16px var(--fb);text-decoration:none;cursor:pointer;border-radius:6px}
.nav-l>li>a:hover,.nav-l>li>button:hover{background:var(--navy-700);color:#fff}
.nav-l>li>a[aria-current]{box-shadow:inset 0 -2px 0 var(--gold-500)}
.nav-l button svg{transition:transform .15s}
.nav-l button[aria-expanded=true] svg{transform:rotate(180deg)}
.dd ul{display:none;position:absolute;top:calc(100% + 6px);left:0;min-width:240px;background:#fff;border-radius:12px;box-shadow:var(--sh2);list-style:none;margin:0;padding:8px}
.dd button[aria-expanded=true]+ul{display:block}
.dd ul li{margin:0}
.dd ul a{display:block;padding:10px 14px;border-radius:6px;text-decoration:none;color:var(--navy-900);font-size:16px}
.dd ul a:hover{background:var(--tint)}
.menu-btn{display:none;margin-left:auto;align-items:center;gap:8px;min-height:44px;padding:0 14px;background:none;border:2px solid var(--navy-700);color:#fff;border-radius:6px;font:600 15px var(--fb);cursor:pointer}
/* hero */
.hero{position:relative;overflow:hidden;padding:72px 0 104px}
.hero-line{position:absolute;right:0;top:20px;width:820px;height:auto;opacity:.11;pointer-events:none}
.hero-line path{stroke-dasharray:3000;stroke-dashoffset:3000;animation:draw 2.4s ease-out .2s forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.hero h1{font-size:52px;max-width:15ch}
.hero .lead{max-width:56ch}
.apr-line{font-size:18px;color:#fff;margin:24px 0 32px}
.apr-line a{color:var(--gold-200)}
.micro{display:flex;flex-wrap:wrap;gap:8px 24px;list-style:none;padding:0;margin:32px 0 0;font-size:15px;color:var(--silver)}
.micro li{display:flex;align-items:center;gap:8px;margin:0}
.micro svg{color:var(--gold-500);flex:none}
.pagehead{padding:72px 0 56px;background:var(--paper)}
.pagehead h1{max-width:20ch}
.crumbs{font-size:15px;color:var(--slate);margin-bottom:20px;display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:8px;color:var(--steel)}
/* trust */
.trust{padding:0;margin-top:-48px;position:relative;z-index:2}
.trust-g{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));background:#fff;border-radius:12px;box-shadow:var(--sh2)}
.trust-g>div{padding:24px 28px;display:flex;gap:14px;align-items:flex-start}
.trust-g>div+div{border-left:1px solid var(--line)}
.trust-g svg{color:var(--gold-700);flex:none;margin-top:2px}
.trust-g strong{display:block;font:500 17px/1.3 var(--fh);color:var(--navy-900)}
.trust-g span{font-size:15px;color:var(--slate);line-height:1.4}
/* cards & grids */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr))}
.split{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:64px;align-items:start}
.card{background:#fff;border-radius:12px;box-shadow:var(--sh1);padding:32px;display:flex;flex-direction:column}
.card h3{font-size:24px}
.card .facts{list-style:none;padding:0;margin:8px 0 24px;border-top:1px solid var(--line)}
.card .facts li{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--line);margin:0;font-size:16px}
.card .facts li span:first-child{color:var(--slate)}
.card .facts li span:last-child{font-weight:600;color:var(--navy-900);text-align:right}
.card .more{margin-top:auto}
.icon{width:48px;height:48px;border-radius:50%;background:var(--tint);color:var(--navy-900);display:grid;place-items:center;margin-bottom:20px}
.tint .icon{background:#fff}
.claim h3{font-size:22px}
.claim p{color:var(--slate);margin:0}
/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:40px;position:relative;counter-reset:s}
.steps::before{content:"";position:absolute;top:27px;left:28px;right:calc(33% - 28px);height:2px;background:var(--gold-500)}
.steps li{position:relative;margin:0;counter-increment:s}
.steps li::before{content:counter(s);display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--paper);border:2px solid var(--gold-500);font:600 22px var(--fh);color:var(--navy-900);margin-bottom:24px;position:relative}
.tint .steps li::before{background:var(--tint)}
.steps h3{font-size:22px;margin-bottom:8px}
.steps p{color:var(--slate);margin:0}
.timeline{list-style:none;padding:0;margin:0;position:relative}
.timeline::before{content:"";position:absolute;left:27px;top:28px;bottom:28px;width:2px;background:var(--gold-500)}
.timeline>li{display:grid;grid-template-columns:56px minmax(0,1fr);gap:28px;margin:0 0 40px;counter-increment:t;position:relative}
.timeline{counter-reset:t}
.timeline>li::before{content:counter(t);display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--paper);border:2px solid var(--gold-500);font:600 22px var(--fh);color:var(--navy-900)}
.timeline h3{font-size:22px;margin:12px 0 8px}
.timeline .data{font-size:15px;color:var(--slate);background:#fff;border-radius:8px;padding:12px 16px;margin-top:12px;box-shadow:var(--sh1)}
/* checklist */
.checks{list-style:none;padding:0;margin:0 0 24px}
.checks li{display:flex;gap:14px;align-items:flex-start;padding:14px 0;border-bottom:1px solid var(--line);margin:0}
.checks li svg{color:var(--success);flex:none;margin-top:3px}
.ticklist label{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line);cursor:pointer}
.ticklist input{width:24px;height:24px;margin:2px 0 0;accent-color:var(--navy-900);flex:none}
.tick-status{margin-top:20px;font-weight:600;color:var(--navy-900)}
.tick-status.ok{color:var(--success)}
.prov-list{list-style:none;padding:0;margin:0;columns:2;column-gap:32px}
.prov-list li{break-inside:avoid;padding:12px 0;border-bottom:1px solid var(--line);margin:0;display:flex;justify-content:space-between;gap:12px;font-size:16px}
.prov-list .st{font-size:14px;color:var(--slate)}
.prov-list .st.on{color:var(--success);font-weight:600}
/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);background:#fff;border-radius:12px;box-shadow:var(--sh2);overflow:hidden}
.calc-in{padding:40px;display:flex;flex-direction:column;gap:36px}
.calc-out{background:var(--tint);padding:40px;display:flex;flex-direction:column;gap:20px}
.f-row{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:14px}
.f-row label{font:500 18px var(--fh);color:var(--navy-900)}
.numbox{display:flex;align-items:center;gap:4px;border:2px solid var(--steel);border-radius:6px;padding:0 12px;height:48px;background:#fff;font-weight:600;color:var(--navy-900)}
.numbox:focus-within{outline:3px solid var(--navy-900);outline-offset:2px}
.numbox input{border:0;width:88px;font:600 18px var(--fb);color:var(--navy-900);text-align:right;background:none;-moz-appearance:textfield}
.numbox input:focus{outline:none}
.numbox input::-webkit-inner-spin-button{display:none}
.range-ends{display:flex;justify-content:space-between;font-size:14px;color:var(--slate);margin-top:6px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:44px;background:transparent;cursor:pointer;margin:0}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(var(--navy-900),var(--navy-900)) 0/var(--p,50%) 100% no-repeat,var(--line)}
input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:var(--line)}
input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--navy-900)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--navy-900);margin-top:-11px;box-shadow:var(--sh1)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--navy-900)}
input[type=range]:focus-visible{outline:none}
input[type=range]:focus-visible::-webkit-slider-thumb{outline:3px solid var(--navy-900);outline-offset:2px}
.seg{display:flex;border:2px solid var(--steel);border-radius:6px;overflow:hidden}
.seg label{flex:1;position:relative}
.seg input{position:absolute;opacity:0}
.seg span{display:flex;align-items:center;justify-content:center;min-height:44px;font-size:16px;font-weight:500;cursor:pointer;color:var(--navy-900)}
.seg label+label span{border-left:2px solid var(--steel)}
.seg input:checked+span{background:var(--navy-900);color:#fff}
.seg input:focus-visible+span{outline:3px solid var(--navy-900);outline-offset:-5px}
.legend{font:500 18px var(--fh);color:var(--navy-900);margin-bottom:14px;padding:0}
fieldset{border:0;padding:0;margin:0;min-width:0}
.pay-l{font-size:16px;color:var(--slate)}
.pay{font:600 52px/1 var(--fh);color:var(--navy-900);letter-spacing:-.01em}
.res{margin:0;border-top:1px solid var(--line)}
.res div{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line)}
.res dt{color:var(--slate);font-size:16px}
.res dd{margin:0;font-weight:600;color:var(--navy-900)}
.calc-out .btn{width:100%}
.rep{margin-top:24px;padding:24px 28px;background:#fff;border-radius:12px;border:1px solid var(--line);font-size:16px;color:var(--slate)}
.rep strong{color:var(--navy-900)}
.rep p{margin:0}
.sched{margin-top:24px}
.sched summary{cursor:pointer;font-weight:600;color:var(--navy-900);min-height:44px;display:flex;align-items:center}
.sched .tw{max-height:420px;overflow:auto;margin-top:12px;border-radius:12px}
/* tables */
.tw{overflow-x:auto}
table.t{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--sh1);font-size:16px}
.t th,.t td{text-align:left;padding:14px 20px;border-bottom:1px solid var(--line);vertical-align:top}
.t thead th{background:var(--tint);color:var(--navy-900);font-weight:600}
.t tbody th{font-weight:500;color:var(--slate);width:38%}
.t tr:last-child>*{border-bottom:0}
.t td.n,.t th.n{text-align:right}
/* faq */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font:500 20px/1.35 var(--fh);color:var(--navy-900);cursor:pointer}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:14px;height:14px;border-right:2.5px solid var(--navy-900);border-bottom:2.5px solid var(--navy-900);transform:rotate(45deg) translate(-3px,-3px);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(225deg) translate(-3px,-3px)}
.faq .a{padding:0 0 24px;color:var(--slate)}
.faq .a p:last-child{margin:0}
.faq-cat{margin-top:56px}
.faq-cat h2{font-size:26px}
.search{display:flex;flex-direction:column;gap:8px;max-width:560px;margin-top:32px}
/* forms */
.form{display:flex;flex-direction:column;gap:22px}
.fld{display:flex;flex-direction:column;gap:8px}
.fld label,.fld .lbl{font-weight:600;color:var(--navy-900);font-size:16px}
.fld .req{font-weight:400;color:var(--slate)}
.inp{height:52px;border:2px solid var(--steel);border-radius:6px;padding:0 14px;font:400 17px var(--fb);color:var(--ink);background:#fff;width:100%}
select.inp{appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%231A1A3E' stroke-width='2.75' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right 16px center no-repeat;padding-right:44px}
.inp:focus{outline:3px solid var(--navy-900);outline-offset:2px}
.inp[aria-invalid=true]{border-color:var(--error)}
.fld .err{color:var(--error);font-size:15px;font-weight:500}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:15px;color:var(--slate)}
.consent input{width:22px;height:22px;margin:2px 0 0;accent-color:var(--navy-900);flex:none}
.err-sum{border:2px solid var(--error);border-radius:12px;padding:20px 24px;background:#fff}
.err-sum h2{font-size:20px;color:var(--error);margin-bottom:8px}
.err-sum ul{margin:0}
.err-sum a{color:var(--error)}
.notice{border-radius:12px;padding:20px 24px;background:#fff;border:2px solid var(--success);color:var(--ink)}
/* placeholders for counsel / business */
.ph{background:#FBF6EA;border:1.5px dashed var(--gold-700);border-radius:12px;padding:16px 20px;color:var(--gold-700);font-size:15px;line-height:1.5;margin:0 0 1em}
.ph strong{color:var(--gold-700)}
.slot{border-radius:12px;background:repeating-linear-gradient(135deg,var(--tint) 0 12px,#e6e9f3 12px 24px);display:grid;place-items:center;text-align:center;color:var(--slate);font-size:15px;padding:32px;min-height:220px}
/* prose (legal + guides) */
.prose h2{font-size:28px;margin-top:56px}
.prose h3{font-size:22px;margin-top:32px}
.prose>:first-child{margin-top:0}
.updated{font-size:15px;color:var(--slate);margin-top:8px}
.contact-card{display:grid;gap:4px}
.contact-card .big{font:600 30px var(--fh);color:var(--navy-900);text-decoration:none}
/* cta band */
.cta-band{padding:96px 0;position:relative;overflow:hidden}
.cta-band h2{font-size:40px;max-width:18ch}
/* footer */
.ftr{background:var(--tint);padding:72px 0 0;font-size:16px}
.ftr-cols{display:grid;grid-template-columns:1.2fr repeat(4,1fr);gap:32px}
.ftr h2{font:600 15px var(--fb);letter-spacing:.06em;text-transform:uppercase;color:var(--navy-900);margin-bottom:16px}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:10px}
.ftr a{text-decoration:none;color:var(--ink)}
.ftr a:hover{text-decoration:underline}
.ftr-logo{background:var(--navy-900);border-radius:12px;padding:14px 18px;display:inline-block}
.ftr-logo img{height:36px;width:auto}
.ftr-bot{margin-top:56px;padding:32px 0 40px;border-top:1px solid var(--line);font-size:15px;color:var(--slate);display:grid;gap:10px}
.ftr-bot p{margin:0;max-width:none}
.ftr-bot .row{display:flex;flex-wrap:wrap;gap:8px 24px;align-items:center}
.linkbtn{background:none;border:0;padding:0;font:inherit;color:var(--navy-900);text-decoration:underline;cursor:pointer;min-height:44px}
/* sticky mobile bar */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:50;height:56px;background:var(--navy-900);display:none;gap:8px;padding:6px 8px;box-shadow:0 -4px 16px rgba(20,24,63,.2);transform:translateY(100%);transition:transform .2s}
.sticky .btn{flex:1;min-height:44px}
.sticky .tel{flex:none;width:56px;min-height:44px;padding:0;border-color:var(--navy-700);color:#fff}
@media(max-width:960px){
 .sticky{display:flex}
 .sticky.show{transform:none}
 body.has-sticky{padding-bottom:56px}
 h1,.hero h1{font-size:32px}h2{font-size:26px}h3{font-size:22px}h4{font-size:18px}
 .cta-band h2{font-size:30px}
 .sec{padding:64px 0}.tint+.sec{padding-top:64px!important}
 .cta-band{padding:64px 0}
 .menu-btn{display:flex}
 #nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy-900);flex-direction:column;align-items:stretch;padding:8px 24px 24px;gap:16px;border-top:1px solid var(--navy-700)}
 #nav.open{display:flex}
 .nav-l{flex-direction:column;align-items:stretch}
 .nav-l>li>a,.nav-l>li>button{width:100%;justify-content:space-between;min-height:52px;font-size:17px}
 .dd ul{position:static;box-shadow:none;background:var(--navy-800);margin:4px 0 8px}
 .dd ul a{color:#fff}.dd ul a:hover{background:var(--navy-700)}
 .hdr-in{min-height:68px}.logo img{height:36px}
 .lb-r>:not(.lang){display:none}.lb-full{display:none}.lb-short{display:inline}
 .split,.calc{grid-template-columns:1fr;gap:40px}
 .calc{gap:0}.calc-in,.calc-out{padding:28px 22px}
 .trust-g{grid-template-columns:1fr}
 .trust-g>div+div{border-left:0;border-top:1px solid var(--line)}
 .trust-g>div{padding:18px 20px}
 .steps{grid-template-columns:1fr;gap:32px}
 .steps::before{left:27px;top:28px;bottom:28px;right:auto;width:2px;height:auto}
 .steps li{padding-left:80px}
 .steps li::before{position:absolute;left:0;top:0}
 .prov-list{columns:1}
 .ftr-cols{grid-template-columns:1fr 1fr}
 .ftr-cols>:first-child{grid-column:1/-1}
 .btn{min-height:48px}
 .pay{font-size:42px}
 .hero{padding:48px 0 88px}
 .hero-line{width:560px;right:-120px;top:auto;bottom:0}
}
@media(max-width:600px){body{font-size:16px}.lead{font-size:18px}.ftr-cols{grid-template-columns:1fr}.actions .btn{width:100%}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.hero-line path{stroke-dashoffset:0}}