:root{
  --navy:#103065; --navy-deep:#0B2145; --blue:#0B4196; --blue-bright:#2E6BD6;
  --ink:#1C222B; --grey:#6D7277; --line:#D8E0EC; --ice:#C2D6F5;
  --paper:#FBFCFE; --panel:#F2F5FA;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink); background:var(--paper); line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{line-height:1.12; letter-spacing:-0.02em; font-weight:800}
a{color:inherit; text-decoration:none}
.wrap{max-width:1080px; margin:0 auto; padding:0 28px}
.btn{
  display:inline-block; padding:15px 30px; border-radius:7px; font-weight:700;
  font-size:1rem; cursor:pointer; transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-primary{background:var(--blue); color:#fff}
.btn-primary:hover{background:var(--blue-bright); transform:translateY(-2px); box-shadow:0 10px 24px rgba(11,65,150,.28)}
.btn-ghost{background:transparent; color:#fff; border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:#fff; background:rgba(255,255,255,.08); transform:translateY(-2px)}

/* header/nav styling now lives in /assets/nav.css (shared across all pages) */
.page-hero{padding:56px 0 44px}
.page-hero h1{font-size:2.5rem; margin-bottom:16px; max-width:26ch}
.page-hero p{color:#cdd9ef; font-size:1.05rem; max-width:60ch}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%); color:#fff;
  padding:88px 0 96px; position:relative; overflow:hidden}
.hero::after{content:""; position:absolute; right:-140px; top:-80px; width:520px; height:520px;
  background:radial-gradient(circle,rgba(46,107,214,.22) 0%,transparent 68%); pointer-events:none}
.hero-grid{display:grid; grid-template-columns:1.15fr .85fr; gap:56px; align-items:center; position:relative; z-index:2}
.eyebrow{font-size:.82rem; font-weight:700; letter-spacing:.14em; text-transform:uppercase; color:var(--ice); margin-bottom:22px}
.hero h1{font-size:3.15rem; margin-bottom:24px}
.hero h1 .em{color:var(--blue-bright)}
.hero p.lead{font-size:1.2rem; color:#dce7fa; max-width:33ch; margin-bottom:34px}
.hero-actions{display:flex; gap:14px; flex-wrap:wrap}

/* the stat panel */
.statcard{background:rgba(255,255,255,.05); border:1px solid rgba(255,255,255,.12);
  border-radius:14px; padding:36px 34px; backdrop-filter:blur(4px)}
.statcard .big{font-size:5.2rem; font-weight:800; line-height:.9; letter-spacing:-0.04em;
  background:linear-gradient(180deg,#fff,var(--ice)); -webkit-background-clip:text; background-clip:text; color:transparent}
.statcard .big-label{font-size:1rem; color:#dce7fa; margin-top:10px; font-weight:600}
.statcard hr{border:0; border-top:1px solid rgba(255,255,255,.14); margin:24px 0}
.statcard .sub{display:flex; gap:22px}
.statcard .sub div{flex:1}
.statcard .sub .n{font-size:1.75rem; font-weight:800; color:#fff}
.statcard .sub .l{font-size:.82rem; color:#aebfdf; line-height:1.4; margin-top:3px}
.statcard .src{margin-top:18px; padding-top:12px; border-top:1px solid rgba(255,255,255,.12);
  font-size:.7rem; color:#8fa4c9; letter-spacing:.02em}

/* section basics */
section{padding:82px 0}
.section-head{max-width:640px; margin-bottom:52px}
.section-head .eyebrow{color:var(--blue)}
.section-head h2{font-size:2.3rem; color:var(--navy); margin-bottom:16px}
.section-head p{font-size:1.1rem; color:var(--grey)}

/* problem band */
.band{background:var(--navy); color:#fff}
.band .section-head h2{color:#fff}
.band .section-head .eyebrow{color:var(--ice)}
.band .section-head p{color:#cdd9ef}

/* USP feature panels */
.usps{display:grid; grid-template-columns:1fr 1fr; gap:26px}
.usp{border-radius:14px; padding:32px 30px; position:relative}
.usp.lead-usp{background:var(--navy); color:#fff}
.usp.alt-usp{background:var(--panel); border:1px solid var(--line)}
.usp .num{font-size:2.6rem; font-weight:800; line-height:1; letter-spacing:-0.03em; margin-bottom:14px}
.usp.lead-usp .num{color:#5B8DEF}
.usp.alt-usp .num{color:var(--blue)}
.usp h3{font-size:1.28rem; margin-bottom:11px}
.usp.lead-usp h3{color:#fff}
.usp.alt-usp h3{color:var(--navy)}
.usp p{font-size:1rem; line-height:1.55}
.usp.lead-usp p{color:#dce7fa}
.usp.alt-usp p{color:var(--ink)}
.usp .kicker{font-size:.72rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; margin-bottom:10px}
.usp.lead-usp .kicker{color:#8fb2ef}
.usp.alt-usp .kicker{color:var(--blue)}
.usp-strip{display:flex; gap:14px; flex-wrap:wrap; margin-top:38px}
.usp-chip{flex:1; min-width:180px; background:#fff; border:1px solid var(--line); border-radius:10px; padding:18px 20px}
.usp-chip .ct{font-weight:800; color:var(--navy); font-size:.98rem; margin-bottom:5px}
.usp-chip .cd{font-size:.86rem; color:var(--grey); line-height:1.45}
.problem-grid{display:grid; grid-template-columns:1fr 1fr; gap:26px}
.problem{border:1px solid rgba(255,255,255,.14); border-radius:12px; padding:30px}
.problem h3{font-size:1.15rem; margin-bottom:9px; color:#fff}
.problem p{color:#c3d2ec; font-size:.98rem}

/* how it works */
.steps{display:grid; grid-template-columns:repeat(4,1fr); gap:22px; counter-reset:s}
.step{position:relative; padding-top:22px}
.step::before{counter-increment:s; content:"0" counter(s); font-size:2.4rem; font-weight:800;
  color:var(--blue); opacity:.22; letter-spacing:-0.03em; display:block; margin-bottom:8px}
.step .bar{width:34px; height:3px; background:var(--blue); border-radius:2px; margin-bottom:16px}
.step h3{font-size:1.08rem; color:var(--navy); margin-bottom:7px}
.step p{font-size:.94rem; color:var(--grey)}

/* receive — feature rows */
.features{display:grid; grid-template-columns:1fr 1fr; gap:24px}
.feature{background:#fff; border:1px solid var(--line); border-radius:12px; padding:28px 28px 30px;
  transition:border-color .18s, box-shadow .18s, transform .18s}
.feature:hover{border-color:var(--ice); box-shadow:0 12px 30px rgba(16,48,101,.08); transform:translateY(-3px)}
.feature .dot{width:11px; height:11px; border-radius:50%; background:var(--blue); margin-bottom:16px}
.feature h3{font-size:1.14rem; color:var(--navy); margin-bottom:9px}
.feature p{color:var(--grey); font-size:.98rem}

/* fees */
.fees{background:var(--panel)}
.fee-layout{display:grid; grid-template-columns:1.3fr 1fr; gap:34px; align-items:start}
table.feetable{width:100%; border-collapse:collapse; background:#fff; border-radius:12px; overflow:hidden;
  box-shadow:0 2px 14px rgba(16,48,101,.06)}
.feetable th{background:var(--navy); color:#fff; text-align:left; padding:15px 22px; font-size:.92rem; letter-spacing:.02em}
.feetable td{padding:15px 22px; border-top:1px solid var(--line); font-size:1rem}
.feetable td.fee{font-weight:800; color:var(--navy)}
.feetable tr:nth-child(even) td{background:var(--panel)}
.terms-card{background:var(--navy); color:#fff; border-radius:12px; padding:30px}
.terms-card h3{font-size:1.15rem; margin-bottom:16px}
.terms-card ul{list-style:none}
.terms-card li{padding-left:22px; position:relative; margin-bottom:13px; color:#dce7fa; font-size:.97rem}
.terms-card li::before{content:""; position:absolute; left:0; top:9px; width:8px; height:8px;
  background:var(--blue-bright); border-radius:50%}
.terms-card .compare{margin-top:20px; padding-top:20px; border-top:1px solid rgba(255,255,255,.15);
  font-size:.97rem; color:#fff; font-weight:700}
.feenote{margin-top:14px; font-size:.86rem; color:var(--grey); line-height:1.5}

/* trust */
.trust-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:22px}
.trust{padding:26px; border-radius:12px; background:#fff; border:1px solid var(--line)}
.trust .k{font-size:1.02rem; font-weight:800; color:var(--navy); margin-bottom:8px}
.trust p{font-size:.9rem; color:var(--grey)}

/* dual CTA */
.cta{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%); color:#fff; text-align:center}
.cta h2{font-size:2.3rem; margin-bottom:14px}
.cta > .wrap > p{color:#cdd9ef; font-size:1.12rem; max-width:52ch; margin:0 auto 40px}
.cta-cards{display:grid; grid-template-columns:1fr 1fr; gap:24px; max-width:760px; margin:0 auto; text-align:left}
.cta-card{background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.14); border-radius:14px; padding:32px}
.cta-card h3{font-size:1.3rem; margin-bottom:10px}
.cta-card p{color:#cdd9ef; font-size:.98rem; margin-bottom:22px; min-height:66px}
.cta-card .btn{width:100%; text-align:center}
.cta-privacy{font-size:.8rem; color:#aebfdf; margin-top:14px; margin-bottom:0; line-height:1.5}
.cta-privacy a{color:#cdd9ef; text-decoration:underline}

/* footer */
footer{background:var(--navy-deep); color:#9fb2d6; padding:52px 0 40px; font-size:.9rem}
footer a{color:#cdd9ef}
.foot-top{display:flex; justify-content:space-between; align-items:flex-start; gap:30px; flex-wrap:wrap; margin-bottom:34px}
.foot-top img{height:30px; margin-bottom:14px}
.foot-cols{display:flex; gap:60px; flex-wrap:wrap}
.foot-col h4{color:#fff; font-size:.82rem; letter-spacing:.1em; text-transform:uppercase; margin-bottom:14px; font-weight:700}
.foot-col a,.foot-col span{display:block; margin-bottom:9px; color:#9fb2d6}
.foot-col a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1); padding-top:22px; font-size:.82rem; color:#7B8DB0; line-height:1.7}

/* reveal */
.reveal{opacity:1; transform:none}
.reveal.in{opacity:1; transform:none}

@media (max-width:860px){
  .hero-grid{grid-template-columns:1fr; gap:40px}
  .hero h1{font-size:2.4rem}
  .problem-grid,.features,.fee-layout,.cta-cards,.usps{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr; gap:30px 22px}
  .trust-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:480px){
  .steps,.trust-grid{grid-template-columns:1fr}
  .hero h1{font-size:2.05rem}
  .statcard .big{font-size:4rem}
}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1; transform:none; transition:none}
  html{scroll-behavior:auto}
}

/* ── services: flagship label ── */
.svc-label{display:flex; align-items:baseline; gap:12px; margin-bottom:14px; flex-wrap:wrap}
.svc-label h3{font-size:1.45rem; color:var(--navy)}
.svc-label .tag{font-size:.7rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase;
  background:var(--blue); color:#fff; padding:4px 10px; border-radius:4px}

/* ── services: secondary button for white cards ── */
.btn-outline{background:#fff; color:var(--blue); border:1.5px solid var(--line)}
.btn-outline:hover{border-color:var(--blue); background:var(--panel); transform:translateY(-2px)}
.btn-sm{padding:12px 22px; font-size:.94rem; width:100%; text-align:center}
.place-cta{margin-top:22px}
.place-cta .callnote{margin-top:12px; font-size:.86rem; color:var(--grey)}
.place-cta .callnote a{color:var(--blue); font-weight:700}

/* ── services: part-of-the-process block ── */
.svc-split{margin-top:70px; padding-top:58px; border-top:1px solid var(--line)}
.svc-split .head{max-width:660px; margin-bottom:34px}
.svc-split .head h3{font-size:1.75rem; color:var(--navy); margin-bottom:12px}
.svc-split .head p{color:var(--grey); font-size:1.04rem}
.svc-grid{display:grid; grid-template-columns:1fr 1fr; gap:24px}
.svc{background:#fff; border:1px solid var(--line); border-radius:12px; padding:30px 30px 32px;
  display:flex; flex-direction:column; transition:border-color .18s, box-shadow .18s, transform .18s}
.svc:hover{border-color:var(--ice); box-shadow:0 12px 30px rgba(16,48,101,.08); transform:translateY(-3px)}
.svc h4{font-size:1.22rem; color:var(--navy); margin-bottom:7px; font-weight:800; letter-spacing:-0.02em}
.svc .who{font-size:.95rem; color:var(--grey); margin-bottom:20px}
.svc ul{list-style:none; margin-bottom:22px}
.svc li{padding-left:20px; position:relative; margin-bottom:9px; font-size:.95rem; color:var(--ink)}
.svc li::before{content:""; position:absolute; left:0; top:9px; width:6px; height:6px;
  background:var(--blue); border-radius:50%}
.svc .prices{margin-top:20px; border-top:1px solid var(--line); padding-top:18px}
.svc .prow{display:flex; justify-content:space-between; align-items:baseline; padding:5px 0; font-size:.95rem}
.svc .prow span:last-child{font-weight:800; color:var(--navy)}
.svc .excl{margin-top:16px; padding-top:14px; border-top:1px dashed var(--line);
  font-size:.85rem; color:var(--grey); line-height:1.5}
.svc .addon{margin-top:14px; padding:13px 15px; background:var(--panel); border-radius:8px;
  font-size:.85rem; color:var(--ink); line-height:1.55}
.svc .addon strong{color:var(--navy)}
.svc .cta-slot{margin-top:auto; padding-top:20px}
.svc-foot{margin-top:26px; background:var(--navy); color:#dce7fa; border-radius:12px;
  padding:22px 26px; font-size:.97rem; line-height:1.6}
.svc-foot strong{color:#fff}
@media (max-width:860px){ .svc-grid{grid-template-columns:1fr} }
.callnote{margin-top:16px;font-size:.86rem;color:#aebfdf}
.callnote a{color:#fff;text-decoration:underline}
.trust p a{color:var(--blue)}
.max-34ch{max-width:34ch}
.foot-bottom a{color:#cdd9ef}
.foot-bottom a.underline{text-decoration:underline}