:root{
  --navy:#0a2440; --navy-2:#0e2f54; --navy-3:#12386a;
  --ink:#0f1c2e; --slate:#54637a; --slate-l:#8a97a8;
  --blue:#2563eb; --blue-d:#1d4ed8; --blue-050:#eef3fe; --blue-100:#dbe6fd;
  --sky:#e8f0fe;
  --gold:#e8a93a;
  --green:#12915a;
  --bg:#ffffff; --bg-soft:#f5f8fc; --bg-soft2:#eef3f9;
  --line:#e8edf4; --line-2:#d8e0ea;
  --radius:16px; --radius-lg:22px; --radius-sm:11px;
  --maxw:1200px;
  --fh:'Sora',system-ui,sans-serif;
  --fb:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --sh-1:0 1px 2px rgba(10,36,64,.05);
  --sh-2:0 4px 14px rgba(10,36,64,.07);
  --sh-3:0 12px 34px rgba(10,36,64,.10);
  --sh-4:0 28px 70px rgba(10,36,64,.18);
  --ease:cubic-bezier(.4,0,.2,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--fb);background:var(--bg);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:var(--fh);font-weight:700;line-height:1.16;letter-spacing:-.02em;color:var(--navy)}
a{color:inherit;text-decoration:none}
img,svg{display:block;max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.pad{padding:92px 0}
.kicker{display:inline-flex;align-items:center;gap:8px;font-family:var(--fh);font-weight:600;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--blue)}
.kicker::before{content:"";width:22px;height:2px;background:var(--blue);border-radius:2px}
.sec-head{max-width:660px;margin-bottom:52px}
.sec-head.center{margin-inline:auto;text-align:center}
.sec-head.center .kicker{justify-content:center}
.sec-head h2{font-size:clamp(1.95rem,3.8vw,2.75rem);margin:16px 0 14px;font-weight:800}
.sec-head p{color:var(--slate);font-size:1.1rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--fb);font-weight:600;font-size:.98rem;padding:14px 26px;border-radius:11px;border:1.5px solid transparent;cursor:pointer;transition:.2s var(--ease);white-space:nowrap}
.btn svg{flex:0 0 auto}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 6px 18px rgba(37,99,235,.28)}
.btn-primary:hover{background:var(--blue-d);box-shadow:0 10px 26px rgba(37,99,235,.34);transform:translateY(-1px)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-out{background:#fff;color:var(--navy);border-color:var(--line-2)}
.btn-out:hover{border-color:var(--blue);color:var(--blue);box-shadow:var(--sh-2)}
.btn-light{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.28);backdrop-filter:blur(4px)}
.btn-light:hover{background:rgba(255,255,255,.2)}
.btn-lg{padding:16px 32px;font-size:1.04rem}

/* UTILITY BAR */
.util{background:var(--navy);color:#b7c6da;font-size:.85rem}
.util .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:9px 24px}
.util a{color:#cdd9e8;display:inline-flex;align-items:center;gap:7px;font-weight:500}
.util a:hover{color:#fff}
.util .r{display:flex;gap:22px;align-items:center}
.util .dotgreen{width:8px;height:8px;border-radius:50%;background:#37d182;box-shadow:0 0 0 3px rgba(55,209,130,.25);display:inline-block}
@media(max-width:760px){.util .r span{display:none}.util .wrap{justify-content:center}}

/* HEADER */
header.hd{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.85);backdrop-filter:blur(14px) saturate(1.4);border-bottom:1px solid var(--line);transition:.25s var(--ease)}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 24px}
.logo{display:flex;align-items:center;gap:12px}
.logo .m{width:46px;height:46px;border-radius:13px;background:linear-gradient(150deg,var(--navy),var(--navy-3));color:#fff;display:grid;place-items:center;flex:0 0 auto;box-shadow:var(--sh-2)}
.logo .t{font-family:var(--fh);font-weight:700;font-size:1.08rem;color:var(--navy);line-height:1.14}
.logo .t small{display:block;font-family:var(--fb);font-weight:500;font-size:.72rem;color:var(--slate);letter-spacing:.01em}
nav.mn{display:flex;gap:2px}
nav.mn a{padding:9px 15px;border-radius:9px;font-weight:500;font-size:.95rem;color:var(--slate);transition:.15s}
nav.mn a:hover{color:var(--navy);background:var(--bg-soft)}
.hd .cta{display:flex;align-items:center;gap:14px}
.hd .ph{display:inline-flex;align-items:center;gap:8px;font-family:var(--fh);font-weight:700;color:var(--navy);font-size:1rem;white-space:nowrap}
.hd .ph svg{color:var(--blue)}
.burger{display:none;background:#fff;border:1px solid var(--line-2);border-radius:10px;width:46px;height:46px;place-items:center;cursor:pointer;color:var(--navy)}
@media(max-width:1080px){.hd .ph{display:none}}
@media(max-width:940px){nav.mn{display:none}.hd .cta .btn-primary{display:none}.burger{display:grid}}

.mob{display:none;position:fixed;inset:0;z-index:110;background:#fff}
.mob.open{display:block}
.mob .in{padding:24px}
.mob .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}
.mob a{display:block;font-family:var(--fh);font-weight:600;font-size:1.15rem;color:var(--navy);padding:16px 6px;border-bottom:1px solid var(--line)}
.mob .btn{width:100%;margin-top:22px}
.xb{background:#fff;border:1px solid var(--line-2);border-radius:10px;width:46px;height:46px;cursor:pointer;color:var(--navy);font-size:1.1rem}

/* HERO */
.hero{position:relative;background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%);border-bottom:1px solid var(--line);overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(680px 420px at 88% 8%,rgba(37,99,235,.09),transparent 60%),radial-gradient(560px 360px at 4% 92%,rgba(10,36,64,.06),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center;padding:76px 24px 84px}
.h-rating{display:inline-flex;align-items:center;gap:11px;background:#fff;border:1px solid var(--line);border-radius:100px;padding:7px 16px 7px 8px;box-shadow:var(--sh-2);margin-bottom:24px}
.h-rating .av{display:flex}
.h-rating .av span{width:26px;height:26px;border-radius:50%;border:2px solid #fff;margin-left:-9px;display:grid;place-items:center;font-size:.62rem;font-weight:700;color:#fff;font-family:var(--fh)}
.h-rating .av span:first-child{margin-left:0}
.h-rating .stars{color:var(--gold);font-size:.85rem;letter-spacing:1px}
.h-rating b{font-size:.86rem;color:var(--navy);font-weight:600}
.h-rating .g{font-size:.82rem;color:var(--slate)}
.hero h1{font-size:clamp(2.35rem,4.8vw,3.6rem);font-weight:800;letter-spacing:-.03em;margin-bottom:20px}
.hero h1 .u{position:relative;color:var(--blue);white-space:nowrap}
.hero h1 .u::after{content:"";position:absolute;left:0;right:0;bottom:.04em;height:.14em;background:var(--blue-100);border-radius:3px;z-index:-1}
.hero .lead{font-size:1.18rem;color:var(--slate);max-width:520px;margin-bottom:30px}
.hero .acts{display:flex;flex-wrap:wrap;gap:13px;margin-bottom:30px}
.hero .assure{display:flex;flex-wrap:wrap;gap:8px 20px}
.hero .assure li{list-style:none;display:flex;gap:9px;align-items:center;font-size:.94rem;font-weight:500;color:var(--ink)}
.hero .assure .ck{width:20px;height:20px;border-radius:50%;background:var(--blue-050);color:var(--blue);display:grid;place-items:center;flex:0 0 auto}

/* HERO composed visual */
.h-visual{position:relative;min-height:440px}
.card-main{position:relative;z-index:3;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--sh-4);overflow:hidden;max-width:430px;margin-left:auto}
.cm-top{background:linear-gradient(150deg,var(--navy),var(--navy-3));color:#fff;padding:20px 24px;display:flex;align-items:center;justify-content:space-between}
.cm-top .lbl{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:#9fb4cf;font-family:var(--fh);font-weight:600}
.cm-top h3{color:#fff;font-size:1.16rem;margin-top:3px}
.cm-badge{background:rgba(55,209,130,.16);color:#7ef0b4;border:1px solid rgba(55,209,130,.3);font-size:.72rem;font-weight:600;padding:5px 11px;border-radius:100px;display:inline-flex;align-items:center;gap:6px}
.cm-body{padding:22px 24px}
.cm-step{display:flex;align-items:center;gap:13px;padding:11px 0}
.cm-step:not(:last-child){border-bottom:1px solid var(--line)}
.cm-ic{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;flex:0 0 auto}
.cm-ic.done{background:var(--blue-050);color:var(--blue)}
.cm-ic.now{background:#fff8ec;color:var(--gold)}
.cm-ic.wait{background:var(--bg-soft2);color:var(--slate-l)}
.cm-step .tx b{display:block;font-size:.95rem;color:var(--navy);font-family:var(--fh);font-weight:600}
.cm-step .tx span{font-size:.82rem;color:var(--slate)}
.cm-step .tick{margin-left:auto;color:var(--green)}
.cm-foot{background:var(--bg-soft);border-top:1px solid var(--line);padding:14px 24px;display:flex;align-items:center;gap:10px;font-size:.86rem;color:var(--slate)}
/* floating chips */
.chip-float{position:absolute;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh-3);padding:12px 15px;z-index:4;display:flex;align-items:center;gap:11px}
.chip-1{top:-22px;left:0}
.chip-2{bottom:-20px;right:-14px}
.chip-float .ci{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;color:#fff;flex:0 0 auto}
.chip-float b{display:block;font-family:var(--fh);font-weight:700;font-size:1.05rem;color:var(--navy);line-height:1}
.chip-float span{font-size:.76rem;color:var(--slate)}
.blob{position:absolute;z-index:1;border-radius:36% 64% 58% 42%/48% 42% 58% 52%;background:linear-gradient(150deg,var(--blue-100),var(--sky));width:340px;height:340px;right:-40px;top:40px;filter:blur(2px);opacity:.7}
@media(max-width:940px){.hero .wrap{grid-template-columns:1fr;gap:56px}.h-visual{min-height:auto;max-width:460px}.card-main{margin:0 auto}.chip-2{right:0}.blob{right:0}}
@media(max-width:460px){.hero h1 .u{white-space:normal}.chip-1,.chip-2{position:static;margin:0 auto 12px;max-width:220px}.blob{display:none}}

/* CREDIBILITY BAR */
.cred{background:#fff;border-bottom:1px solid var(--line)}
.cred .wrap{padding:28px 24px;display:flex;align-items:center;gap:26px;flex-wrap:wrap;justify-content:center}
.cred .lbl{font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-l)}
.cred .ins{display:flex;flex-wrap:wrap;gap:9px 10px;justify-content:center}
.cred .chip{font-family:var(--fh);font-weight:600;color:var(--navy-2);font-size:.96rem;padding:8px 17px;border:1px solid var(--line);border-radius:9px;background:var(--bg-soft);transition:.15s}
.cred .chip:hover{border-color:var(--line-2);box-shadow:var(--sh-1)}

/* METRICS */
.metrics{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;position:relative;overflow:hidden}
.metrics::after{content:"";position:absolute;inset:0;background:radial-gradient(500px 300px at 85% 20%,rgba(37,99,235,.18),transparent 60%)}
.metrics .grid{position:relative;z-index:2;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:48px 0}
.metric{text-align:center;position:relative}
.metric:not(:last-child)::after{content:"";position:absolute;right:0;top:14%;height:72%;width:1px;background:rgba(255,255,255,.14)}
.metric .n{font-family:var(--fh);font-size:clamp(2rem,3.6vw,2.8rem);font-weight:800;letter-spacing:-.02em;color:#fff}
.metric .n span{color:#7aa9ff}
.metric .l{color:#a9bcd6;font-size:.95rem;margin-top:5px}
@media(max-width:680px){.metrics .grid{grid-template-columns:1fr 1fr;gap:34px 20px}.metric:nth-child(2)::after{display:none}}

/* SERVICES */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.svc{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;transition:.22s var(--ease);overflow:hidden}
.svc::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--blue),var(--navy-3));transform:scaleX(0);transform-origin:left;transition:.25s var(--ease)}
.svc:hover{border-color:var(--line-2);box-shadow:var(--sh-3);transform:translateY(-4px)}
.svc:hover::before{transform:scaleX(1)}
.svc .i{width:54px;height:54px;border-radius:14px;background:var(--blue-050);color:var(--blue);display:grid;place-items:center;margin-bottom:18px;transition:.2s}
.svc:hover .i{background:var(--blue);color:#fff}
.svc h3{font-size:1.2rem;margin-bottom:8px}
.svc p{color:var(--slate);font-size:.96rem;margin-bottom:15px}
.svc .lk{font-family:var(--fh);font-weight:600;font-size:.9rem;color:var(--blue);display:inline-flex;gap:6px;align-items:center;transition:.15s}
.svc .lk:hover{gap:10px}
.svc.hl{background:linear-gradient(155deg,var(--navy),var(--navy-2));border-color:transparent}
.svc.hl::before{display:none}
.svc.hl h3{color:#fff}.svc.hl p{color:#a9bcd6}.svc.hl .i{background:rgba(255,255,255,.12);color:#fff}
.svc.hl:hover .i{background:var(--blue)}
.svc.hl .lk{color:#7aa9ff}
.svc.hl .rib{display:inline-flex;align-items:center;gap:6px;background:var(--gold);color:#3a2a08;font-family:var(--fh);font-size:.7rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;padding:5px 12px;border-radius:7px;margin-bottom:16px}
@media(max-width:900px){.grid3{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.grid3{grid-template-columns:1fr}}

/* PROCESS */
.process{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.pflow{position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.pflow::before{content:"";position:absolute;top:29px;left:12%;right:12%;height:2px;background:repeating-linear-gradient(90deg,var(--line-2) 0 8px,transparent 8px 16px)}
.pstep{position:relative;text-align:center}
.pstep .num{width:58px;height:58px;border-radius:16px;background:#fff;border:1.5px solid var(--line-2);color:var(--navy);font-family:var(--fh);font-weight:800;display:grid;place-items:center;margin:0 auto 18px;font-size:1.3rem;box-shadow:var(--sh-2);position:relative;z-index:2}
.pstep:nth-child(1) .num{background:var(--blue);border-color:var(--blue);color:#fff}
.pstep h3{font-size:1.1rem;margin-bottom:7px}
.pstep p{color:var(--slate);font-size:.93rem;padding:0 6px}
@media(max-width:900px){.pflow{grid-template-columns:1fr 1fr;gap:32px 22px}.pflow::before{display:none}}
@media(max-width:520px){.pflow{grid-template-columns:1fr}}

/* WHY split */
.split{display:grid;grid-template-columns:1.02fr .98fr;gap:56px;align-items:center}
.wl{list-style:none;display:grid;gap:14px;margin-top:6px}
.wl li{display:flex;gap:15px;align-items:flex-start;padding:19px;border:1px solid var(--line);border-radius:14px;background:#fff;transition:.18s var(--ease)}
.wl li:hover{border-color:var(--line-2);box-shadow:var(--sh-2);transform:translateX(3px)}
.wl .ic{flex:0 0 auto;width:46px;height:46px;border-radius:12px;background:var(--blue-050);color:var(--blue);display:grid;place-items:center}
.wl b{display:block;font-family:var(--fh);color:var(--navy);font-size:1.04rem;margin-bottom:2px}
.wl span{color:var(--slate);font-size:.94rem}
.panel{background:linear-gradient(160deg,var(--navy),var(--navy-2));border-radius:var(--radius-lg);padding:40px;color:#fff;box-shadow:var(--sh-3);position:relative;overflow:hidden}
.panel::after{content:"";position:absolute;right:-70px;top:-70px;width:240px;height:240px;border-radius:50%;background:radial-gradient(circle,rgba(37,99,235,.35),transparent 70%)}
.panel .pk{position:relative;font-family:var(--fh);font-weight:600;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:#7aa9ff}
.panel h3{position:relative;color:#fff;font-size:1.5rem;margin:10px 0 22px}
.panel .qbox{position:relative;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);border-radius:16px;padding:24px;margin-bottom:16px}
.panel .qbox .stars{color:var(--gold);letter-spacing:2px;margin-bottom:10px}
.panel .qbox p{font-size:1.04rem;color:#e7eefa;margin-bottom:16px;line-height:1.6}
.panel .qbox .who{display:flex;align-items:center;gap:12px}
.panel .qbox .av{width:44px;height:44px;border-radius:50%;background:linear-gradient(150deg,var(--blue),var(--navy-3));display:grid;place-items:center;font-family:var(--fh);font-weight:700}
.panel .qbox .who b{color:#fff;font-size:.96rem;font-family:var(--fh)}
.panel .qbox .who small{color:#a9bcd6}
.panel .row{position:relative;display:flex;gap:12px}
.panel .kpi{flex:1;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.13);border-radius:13px;padding:17px 10px;text-align:center}
.panel .kpi b{display:block;font-family:var(--fh);font-size:1.5rem;color:#fff}
.panel .kpi span{font-size:.8rem;color:#a9bcd6}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:38px}}

/* GUARANTEES band */
.guard{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.gcard{display:flex;gap:15px;align-items:flex-start;padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:var(--bg-soft)}
.gcard .gi{flex:0 0 auto;width:48px;height:48px;border-radius:12px;background:#fff;border:1px solid var(--line);color:var(--blue);display:grid;place-items:center;box-shadow:var(--sh-1)}
.gcard h4{font-family:var(--fh);font-size:1.06rem;color:var(--navy);margin-bottom:4px}
.gcard p{color:var(--slate);font-size:.92rem}
@media(max-width:820px){.guard{grid-template-columns:1fr}}

/* COVERAGE */
.grid2{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.covx{display:flex;gap:15px;align-items:flex-start;padding:23px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;transition:.18s var(--ease)}
.covx:hover{border-color:var(--blue);box-shadow:var(--sh-2);transform:translateY(-2px)}
.covx .ci{flex:0 0 auto;width:46px;height:46px;border-radius:12px;background:var(--blue-050);color:var(--blue);display:grid;place-items:center}
.covx h4{font-family:var(--fh);font-size:1.05rem;color:var(--navy);margin-bottom:4px}
.covx p{color:var(--slate);font-size:.9rem}
@media(max-width:860px){.grid2{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid2{grid-template-columns:1fr}}

/* CTA */
.ctab{position:relative;background:linear-gradient(150deg,var(--navy),var(--navy-2));border-radius:var(--radius-lg);padding:54px;display:grid;grid-template-columns:1.4fr .6fr;gap:34px;align-items:center;color:#fff;box-shadow:var(--sh-3);overflow:hidden}
.ctab::after{content:"";position:absolute;left:-60px;bottom:-90px;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(37,99,235,.28),transparent 70%)}
.ctab .tx{position:relative}
.ctab h2{color:#fff;font-size:clamp(1.6rem,3.2vw,2.35rem);margin-bottom:10px}
.ctab p{color:#a9bcd6;font-size:1.06rem}
.ctab .b{position:relative;display:flex;flex-direction:column;gap:12px}
.ctab .b .btn{width:100%}
@media(max-width:820px){.ctab{grid-template-columns:1fr;gap:24px;padding:40px}}

/* FAQ */
.faq{max-width:840px;margin:0 auto}
.acc{border:1px solid var(--line);border-radius:14px;margin-bottom:12px;background:#fff;transition:.15s;overflow:hidden}
.acc[open]{border-color:var(--line-2);box-shadow:var(--sh-2)}
.acc summary{list-style:none;cursor:pointer;padding:21px 24px;display:flex;justify-content:space-between;gap:16px;font-family:var(--fh);font-weight:600;font-size:1.05rem;color:var(--navy)}
.acc summary::-webkit-details-marker{display:none}
.acc .pl{flex:0 0 auto;width:28px;height:28px;border-radius:8px;background:var(--blue-050);color:var(--blue);display:grid;place-items:center;font-size:1.3rem;transition:.2s;line-height:1}
.acc[open] .pl{transform:rotate(45deg);background:var(--blue);color:#fff}
.acc .a{padding:0 24px 22px;color:var(--slate)}

/* CONTACT */
.cgrid{display:grid;grid-template-columns:.92fr 1.08fr;gap:44px}
.cinfo{display:flex;flex-direction:column}
.cmap{margin-top:22px;border:1px solid var(--line);border-radius:14px;overflow:hidden;flex:1 1 auto;min-height:240px;box-shadow:var(--sh-1)}
.cmap iframe{width:100%;height:100%;min-height:240px;border:0;display:block}
.cinfo h3{font-size:1.55rem;margin-bottom:8px}
.cinfo>p{color:var(--slate);margin-bottom:26px}
.cl{display:flex;gap:15px;align-items:flex-start;margin-bottom:18px}
.cl .ci{flex:0 0 auto;width:50px;height:50px;border-radius:13px;background:linear-gradient(150deg,var(--navy),var(--navy-3));color:#fff;display:grid;place-items:center;box-shadow:var(--sh-2)}
.cl b{display:block;font-family:var(--fh);font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;color:var(--slate-l);margin-bottom:3px}
.cl a,.cl span{font-size:1.06rem;font-weight:600;color:var(--navy)}
.hrs{border:1px solid var(--line);border-radius:14px;padding:22px;margin-top:22px;background:var(--bg-soft)}
.hrs .hh{font-family:var(--fh);font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--slate-l);margin-bottom:10px}
.hrs .r{display:flex;justify-content:space-between;padding:6px 0;font-size:.95rem}
.hrs .r span:first-child{color:var(--slate)}
.hrs .r b{color:var(--navy);font-family:var(--fb)}
.cform{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--sh-3)}
#formular{scroll-margin-top:96px}
.cform h3{font-size:1.3rem;margin-bottom:4px}
.cform .csub{color:var(--slate);font-size:.94rem;margin-bottom:22px}
.fr2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fld{margin-bottom:15px}
.fld label{display:block;font-size:.83rem;font-weight:600;color:var(--slate);margin-bottom:6px}
.fld input,.fld select,.fld textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line-2);border-radius:11px;background:var(--bg);font-family:var(--fb);font-size:.96rem;color:var(--ink);transition:.15s}
.fld textarea{min-height:108px;resize:vertical}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-050)}
.cons{display:flex;gap:10px;font-size:.82rem;color:var(--slate);margin:4px 0 16px}
.cons input{margin-top:3px}
.cform .btn{width:100%}
.okm{display:none;background:#e7f6ee;border:1px solid var(--green);color:var(--green);border-radius:12px;padding:15px;font-weight:600;text-align:center;margin-bottom:14px}
.okm.show{display:block}
@media(max-width:900px){.cgrid{grid-template-columns:1fr}.fr2{grid-template-columns:1fr}}

/* FOOTER */
footer.ft{background:var(--navy);color:#a9bcd6;padding:64px 0 26px}
.fcols{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:34px;margin-bottom:42px}
footer .logo .t{color:#fff}
footer .logo .t small{color:#8fa6c4}
footer .logo .m{background:#fff;color:var(--navy)}
.fabout{max-width:320px;font-size:.93rem;line-height:1.7;margin-top:16px}
footer h4{color:#fff;font-family:var(--fh);font-size:.78rem;text-transform:uppercase;letter-spacing:.09em;margin-bottom:15px}
footer ul{list-style:none;display:grid;gap:10px}
footer ul a{color:#a9bcd6;font-size:.93rem;transition:.15s}
footer ul a:hover{color:#fff;padding-left:3px}
.fbot{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.85rem;color:#8fa6c4}
.fbot a:hover{color:#fff}
@media(max-width:820px){.fcols{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.fcols{grid-template-columns:1fr}}

.callfab{position:fixed;left:18px;bottom:18px;z-index:90;display:none;width:58px;height:58px;border-radius:50%;background:var(--blue);color:#fff;place-items:center;box-shadow:var(--sh-4)}
@media(max-width:940px){.callfab{display:grid}}
.mobilebar{display:none}
@media(max-width:760px){
  .mobilebar{display:grid;grid-template-columns:1fr 1fr 1.25fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:96;background:#fff;border-top:1px solid var(--line);padding:9px 10px calc(9px + env(safe-area-inset-bottom));box-shadow:0 -6px 24px rgba(10,36,64,.12)}
  .mobilebar a{display:flex;align-items:center;justify-content:center;gap:6px;padding:13px 6px;border-radius:12px;font-family:var(--fh);font-weight:700;font-size:.92rem;line-height:1;white-space:nowrap}
  .mobilebar a svg{flex:0 0 auto}
  .mobilebar .mb-call{background:var(--bg-soft);color:var(--navy);border:1.5px solid var(--line-2)}
  .mobilebar .mb-wa{background:#25D366;color:#fff}
  .mobilebar .mb-not{background:var(--blue);color:#fff;box-shadow:0 6px 16px rgba(37,99,235,.3)}
  .wafab,.callfab{display:none!important}
  .hero .acts{display:none}
  body{padding-bottom:76px}
}
.wafab{position:fixed;right:18px;bottom:18px;z-index:95;display:grid;place-items:center;width:60px;height:60px;border-radius:50%;background:#25D366;color:#fff;box-shadow:0 10px 30px rgba(37,211,102,.45);transition:.2s var(--ease);animation:wapulse 2.6s infinite}
.wafab:hover{transform:scale(1.08);background:#20bd5a}
@keyframes wapulse{0%{box-shadow:0 10px 30px rgba(37,211,102,.4),0 0 0 0 rgba(37,211,102,.5)}70%{box-shadow:0 10px 30px rgba(37,211,102,.4),0 0 0 16px rgba(37,211,102,0)}100%{box-shadow:0 10px 30px rgba(37,211,102,.4),0 0 0 0 rgba(37,211,102,0)}}

.reveal{opacity:0;transform:translateY(22px);transition:.6s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ============ HEADER DROPDOWN ============ */
.hasdd{position:relative;display:flex;align-items:center}
nav.mn .dd-toggle{display:inline-flex;align-items:center;gap:6px}
.caret{transition:.2s var(--ease)}
.hasdd:hover .caret{transform:rotate(180deg)}
.dd-menu{position:absolute;top:calc(100% + 12px);left:-8px;min-width:264px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--sh-3);padding:9px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s var(--ease);z-index:120}
.hasdd:hover .dd-menu,.hasdd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu::before{content:"";position:absolute;top:-10px;left:0;right:0;height:12px}
.dd-menu .dd-head{padding:8px 12px 10px;font-family:var(--fh);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-l);border-bottom:1px solid var(--line);margin-bottom:6px}
.dd-menu a{display:flex;align-items:center;gap:11px;padding:10px 12px;border-radius:10px;font-size:.94rem;color:var(--slate);font-weight:500}
.dd-menu a:hover{background:var(--bg-soft);color:var(--navy)}
.dd-menu a .dot{width:9px;height:9px;border-radius:50%;flex:0 0 auto}
nav.mn a.active{color:var(--navy);background:var(--bg-soft)}
.mob .subttl{font-family:var(--fh);font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-l);padding:16px 6px 6px}
.mob a.sub{font-size:1rem;font-weight:500;color:var(--slate);padding:11px 6px 11px 18px;display:flex;align-items:center;gap:10px}
.mob a.sub .dot{width:8px;height:8px;border-radius:50%}

/* ============ BREADCRUMB ============ */
.crumb{background:var(--bg-soft);border-bottom:1px solid var(--line)}
.crumb .wrap{padding:13px 24px;display:flex;gap:9px;align-items:center;flex-wrap:wrap;font-size:.87rem;color:var(--slate)}
.crumb a{color:var(--slate)}
.crumb a:hover{color:var(--blue)}
.crumb .sep{color:var(--slate-l)}
.crumb .cur{color:var(--navy);font-weight:600}

/* ============ SUBHERO (dark) ============ */
.subhero{position:relative;background:linear-gradient(155deg,var(--navy),var(--navy-2));color:#fff;overflow:hidden}
.subhero::after{content:"";position:absolute;inset:0;background:radial-gradient(620px 380px at 88% 6%,rgba(37,99,235,.22),transparent 60%),radial-gradient(460px 300px at 2% 100%,rgba(255,255,255,.05),transparent 60%);pointer-events:none}
.subhero .wrap{position:relative;z-index:2;padding:60px 24px 66px}
.subhero .kk{font-family:var(--fh);font-weight:600;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:#7aa9ff}
.subhero h1{color:#fff;font-size:clamp(2.05rem,4.2vw,3.1rem);font-weight:800;margin:14px 0 16px;max-width:820px;letter-spacing:-.02em}
.subhero p{color:#b9c8dd;font-size:1.14rem;max-width:640px;margin-bottom:26px}
.subhero .acts{display:flex;flex-wrap:wrap;gap:13px;align-items:center}
.subhero .free{display:inline-flex;align-items:center;gap:8px;background:rgba(55,209,130,.16);color:#8ff3bd;border:1px solid rgba(55,209,130,.3);font-weight:600;font-size:.86rem;padding:9px 16px;border-radius:100px}
.subhero .brandbadge{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:14px;padding:11px 18px;margin-bottom:22px}
.subhero .brandbadge .lg{width:34px;height:34px;border-radius:9px;display:grid;place-items:center;color:#fff;font-family:var(--fh);font-weight:800;font-size:.8rem}
.subhero .brandbadge b{font-family:var(--fh);color:#fff;font-size:1.02rem}

/* generic content section */
.lead-2{font-size:1.12rem;color:var(--slate);max-width:760px}
.bg-soft{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* feature list (checks) */
.flist{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:14px 26px;margin-top:8px}
.flist li{display:flex;gap:12px;align-items:flex-start;font-size:1rem;color:var(--ink)}
.flist .ck{flex:0 0 auto;width:24px;height:24px;border-radius:7px;background:var(--blue-050);color:var(--blue);display:grid;place-items:center;margin-top:2px}
@media(max-width:640px){.flist{grid-template-columns:1fr}}

/* two-col info */
.twocol{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:860px){.twocol{grid-template-columns:1fr;gap:28px}}

/* cardbox */
.cardbox{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--sh-1)}
.cardbox h3{font-size:1.2rem;margin-bottom:12px}
.docs{list-style:none;display:grid;gap:11px}
.docs li{display:flex;gap:12px;align-items:flex-start;color:var(--slate);font-size:.97rem}
.docs .n{flex:0 0 auto;width:26px;height:26px;border-radius:8px;background:var(--navy);color:#fff;font-family:var(--fh);font-weight:700;font-size:.82rem;display:grid;place-items:center}

/* insurer grid (daune-auto) */
.insgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.inscard{display:flex;align-items:center;gap:15px;padding:22px;border:1px solid var(--line);border-radius:14px;background:#fff;transition:.18s var(--ease)}
.inscard:hover{border-color:var(--blue);box-shadow:var(--sh-2);transform:translateY(-3px)}
.inscard .lg{width:50px;height:50px;border-radius:12px;display:grid;place-items:center;color:#fff;font-family:var(--fh);font-weight:800;font-size:.82rem;flex:0 0 auto;letter-spacing:.02em}
.inscard b{font-family:var(--fh);color:var(--navy);font-size:1.02rem;display:block}
.inscard span{font-size:.85rem;color:var(--slate)}
.inscard .go{margin-left:auto;color:var(--blue)}
@media(max-width:860px){.insgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.insgrid{grid-template-columns:1fr}}

/* BLOG grid */
.blog{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.2s var(--ease)}
.post:hover{box-shadow:var(--sh-3);transform:translateY(-4px);border-color:var(--line-2)}
.post .thumb{height:158px;background:linear-gradient(150deg,var(--navy),var(--navy-3));display:grid;place-items:center;color:#fff;position:relative;overflow:hidden}
.post .thumb::after{content:"";position:absolute;right:-30px;top:-30px;width:120px;height:120px;border-radius:50%;background:rgba(37,99,235,.3)}
.post .thumb svg{position:relative;z-index:2;opacity:.92}
.post .pc{padding:24px;display:flex;flex-direction:column;gap:11px;flex:1}
.post .date{font-size:.79rem;color:var(--slate-l);font-weight:600;letter-spacing:.02em}
.post h3{font-size:1.14rem;line-height:1.3}
.post p{color:var(--slate);font-size:.93rem;flex:1}
.post .rd{font-family:var(--fh);font-weight:600;color:var(--blue);font-size:.9rem;display:inline-flex;gap:6px;align-items:center}
.post:hover .rd{gap:9px}
@media(max-width:900px){.blog{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.blog{grid-template-columns:1fr}}

/* ARTICLE */
.artwrap{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:44px;align-items:start}
.prose{max-width:100%}
.prose>p:first-of-type{font-size:1.14rem;color:var(--ink)}
.prose h2{font-size:1.5rem;margin:34px 0 12px}
.prose h3{font-size:1.18rem;margin:26px 0 10px}
.prose p{margin-bottom:16px;color:var(--slate);font-size:1.02rem;line-height:1.75}
.prose b,.prose strong{color:var(--navy);font-weight:600}
.prose ul{list-style:none;margin:0 0 20px;display:grid;gap:10px}
.prose ul li{position:relative;padding-left:28px;color:var(--slate);line-height:1.6}
.prose ul li::before{content:"";position:absolute;left:4px;top:9px;width:9px;height:9px;border-radius:3px;background:var(--blue)}
.prose ol{margin:0 0 20px;padding-left:22px;display:grid;gap:9px;color:var(--slate)}
.prose ol li{padding-left:6px;line-height:1.6}
.prose .callout{background:var(--blue-050);border:1px solid var(--blue-100);border-radius:14px;padding:20px 22px;margin:22px 0;color:var(--navy)}
.artside{position:sticky;top:96px;display:grid;gap:16px}
.side-card{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff;box-shadow:var(--sh-1)}
.side-card.dark{background:linear-gradient(155deg,var(--navy),var(--navy-2));color:#fff;border:none}
.side-card.dark h4{color:#fff}.side-card.dark p{color:#a9bcd6;font-size:.92rem;margin-bottom:14px}
.side-card h4{font-family:var(--fh);font-size:1.05rem;margin-bottom:14px;color:var(--navy)}
.side-card .btn{width:100%}
.side-links{display:grid;gap:2px}
.side-links a{padding:10px 0;border-bottom:1px solid var(--line);font-size:.93rem;color:var(--slate);font-weight:500;display:flex;gap:8px;align-items:flex-start}
.side-links a:last-child{border-bottom:none}
.side-links a:hover{color:var(--blue)}
@media(max-width:900px){.artwrap{grid-template-columns:1fr}.artside{position:static}}

/* mini CTA strip */
.ctastrip{background:linear-gradient(150deg,var(--navy),var(--navy-2));border-radius:var(--radius-lg);padding:40px 44px;display:flex;justify-content:space-between;align-items:center;gap:28px;color:#fff;flex-wrap:wrap;box-shadow:var(--sh-3)}
.ctastrip h3{color:#fff;font-size:1.5rem;margin-bottom:4px}
.ctastrip p{color:#a9bcd6}
.ctastrip .b{display:flex;gap:12px;flex-wrap:wrap}

/* ============ INSURER LOGOS ============ */
.logo-img{height:26px;width:auto;display:block}
.cred .ins .chip.hasimg{padding:11px 18px;display:flex;align-items:center;background:#fff}
.cred .ins .chip.hasimg img{height:24px;filter:grayscale(1);opacity:.72;transition:.2s var(--ease)}
.cred .ins .chip.hasimg:hover img{filter:none;opacity:1}
.inscard .lgbox{width:96px;height:52px;border-radius:11px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;flex:0 0 auto;padding:0 10px}
.inscard .lgbox img{height:24px;width:auto}
.brandbadge .lgwrap{background:#fff;border-radius:9px;padding:8px 13px;display:grid;place-items:center}
.brandbadge .lgwrap img{height:26px;width:auto;display:block}
.gbtn svg{color:#4285F4}