:root{
  --blue:#152B5C; --blue-2:#0D1D42; --blue-3:#24407F; --sky:#E9EEF8;
  --gold:#C5A15A; --gold-l:#E8D6AE; --gold-d:#8F6F2E;
  --bg:#FFFFFF; --stone:#F5F3EE; --ink:#1A2236; --muted:#5A6378; --line:#E2E4EA;
  --serif:"DM Serif Display",Georgia,serif; --sans:Manrope,system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.1;letter-spacing:-.01em}
h1{font-size:clamp(42px,5.4vw,74px)}
h2{font-size:clamp(32px,3.6vw,50px)}
h3{font-size:25px}
h4{font-size:17px;font-weight:700}
.wrap{width:min(1200px,100% - 40px);margin-inline:auto}
.sec{padding:100px 0}
.sec.tight{padding:70px 0}
.stone{background:var(--stone)}
.dark{background:var(--blue);color:#fff}
.dark .lede{color:#C2CCE0}
.lede{color:var(--muted);font-size:18.5px;max-width:60ch;margin-top:16px}
.rule{width:56px;height:2px;background:var(--gold);margin-bottom:22px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:700 15.5px var(--sans);padding:15px 26px;border-radius:4px;border:0;cursor:pointer;text-decoration:none;transition:background .2s,color .2s,border-color .2s}
.btn-gold{background:var(--gold);color:var(--blue-2)}
.btn-gold:hover{background:#D4B26D}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-3)}
.btn-line{border:1.5px solid currentColor;background:transparent;color:var(--blue)}
.btn-line:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.dark .btn-line{color:#fff}
.dark .btn-line:hover{background:#fff;color:var(--blue)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* header */
.topbar{background:var(--blue-2);color:#AEB9D2;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;height:38px;align-items:center}
.topbar a{text-decoration:none;color:#fff}
.hdr{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--line);transition:box-shadow .2s}
.hdr.scrolled{box-shadow:0 10px 30px -12px rgba(13,29,66,.25)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:20px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--blue)}
.logo b{font:400 25px var(--serif);display:block;line-height:1}
.logo small{display:block;font-size:11px;letter-spacing:.14em;color:var(--gold-d);font-weight:700;margin-top:4px}
.nav{display:flex;gap:30px;align-items:center}
.nav a{text-decoration:none;font-weight:600;font-size:15px;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current=page]{border-color:var(--gold);color:var(--blue)}
.hdr-r{display:flex;align-items:center;gap:16px}
.burger{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;color:var(--blue)}
.mnav{display:none}

/* page hero (inner pages) */
.phero{background:var(--blue);color:#fff;position:relative;overflow:hidden}
.phero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center;padding:80px 0}
.phero p{color:#C2CCE0;font-size:19px;max-width:52ch;margin-top:18px}
.phero img{width:100%;aspect-ratio:5/4;object-fit:cover;border-radius:4px}
.crumb{font-size:14px;color:var(--gold-l);margin-bottom:18px}
.crumb a{color:#fff;text-decoration:none}
.keyline{position:absolute;inset:0;pointer-events:none;background:repeating-linear-gradient(90deg,transparent 0 119px,rgba(255,255,255,.04) 119px 120px)}

/* cards & grids */
.g2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:30px}
.card h3{font-size:23px;margin:14px 0 8px}
.card p{color:var(--muted);font-size:16px}
.ico{width:50px;height:50px;border-radius:50%;background:var(--sky);display:grid;place-items:center}
.list{list-style:none;display:grid;gap:12px;margin-top:22px}
.list li{display:flex;gap:12px;align-items:flex-start}
.list li::before{content:"";flex:none;width:18px;height:18px;margin-top:4px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='10' viewBox='0 0 24 24' fill='none' stroke='%230D1D42' stroke-width='4'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center no-repeat}

/* calculator shell */
.calc{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:6px;overflow:hidden;background:#fff}
.calc-in{padding:34px}
.calc-out{background:var(--blue);color:#fff;padding:34px;display:flex;flex-direction:column}
.fld{margin-bottom:20px}
.fld label,.fld .lbl{display:flex;justify-content:space-between;font-weight:700;font-size:14.5px;margin-bottom:8px}
.fld label output{color:var(--blue);font-variant-numeric:tabular-nums}
.fld input[type=number],.fld input[type=text],.fld input[type=email],.fld input[type=tel],.fld select,.fld textarea{width:100%;font:500 16px var(--sans);padding:13px 14px;border:1.5px solid var(--line);border-radius:4px;background:#fff;color:var(--ink)}
.fld textarea{min-height:110px;resize:vertical}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(21,43,92,.12)}
.money{position:relative}
.money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.money input{padding-left:28px!important}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:4px;background:var(--line);border-radius:4px;margin-top:6px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--gold);border:4px solid #fff;box-shadow:0 0 0 1.5px var(--gold-d);border-radius:50%;cursor:grab}
input[type=range]::-moz-range-thumb{width:16px;height:16px;background:var(--gold);border:4px solid #fff;border-radius:50%}
.seg{display:flex;border:1.5px solid var(--line);border-radius:4px;overflow:hidden}
.seg button{flex:1;background:#fff;border:0;border-right:1px solid var(--line);padding:11px 6px;font:700 14px var(--sans);cursor:pointer;color:var(--muted)}
.seg button:last-child{border-right:0}
.seg button[aria-pressed=true]{background:var(--blue);color:#fff}
.big{font:400 58px var(--serif);line-height:1;margin:6px 0 4px;font-variant-numeric:tabular-nums}
.out-lbl{color:var(--gold-l);font-size:14px;font-weight:600}
.bar{display:flex;height:12px;border-radius:6px;overflow:hidden;margin:26px 0 18px;background:rgba(255,255,255,.1)}
.bar span{display:block;transition:width .3s}
.legend{display:grid;gap:10px;font-size:15px}
.legend div{display:flex;justify-content:space-between;gap:10px;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:9px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:9px}
.legend b{font-variant-numeric:tabular-nums}
.calc-note{font-size:12.5px;color:#9FAAC4;margin-top:auto;padding-top:20px}
.calc-out .btn{margin-top:22px;align-self:flex-start}

/* compare table */
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin:36px 0 0}
.tab{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:10px 18px;font:700 14.5px var(--sans);cursor:pointer;color:var(--ink)}
.tab[aria-selected=true]{background:var(--blue);border-color:var(--blue);color:#fff}
.cmp-wrap{overflow-x:auto;margin-top:24px;border:1px solid var(--line);border-radius:6px;background:#fff}
.cmp{width:100%;border-collapse:collapse;min-width:760px}
.cmp th,.cmp td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:15.5px;vertical-align:top}
.cmp thead th{font:400 21px var(--serif);color:var(--blue);background:var(--stone)}
.cmp tbody th{font-weight:700;color:var(--muted);font-size:14px;width:180px}
.cmp tr:last-child td,.cmp tr:last-child th{border-bottom:0}
.cmp td.hl,.cmp th.hl{background:#FBF5E8}
.cmp-note{font-size:13px;color:var(--muted);margin-top:12px}

/* timeline */
.tl{display:grid;grid-template-columns:repeat(5,1fr);gap:0;margin-top:56px;border-top:2px solid var(--gold-l)}
.tl-i{padding:26px 22px 0 0;position:relative}
.tl-i::before{content:"";position:absolute;top:-8px;left:0;width:14px;height:14px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 5px var(--bg)}
.stone .tl-i::before{box-shadow:0 0 0 5px var(--stone)}
.tl-i span{font:400 40px var(--serif);color:var(--gold);line-height:1}
.tl-i h4{margin:10px 0 6px}
.tl-i p{color:var(--muted);font-size:15px}

/* testimonials */
.quote{font:400 clamp(24px,2.5vw,32px)/1.3 var(--serif)}
.qmeta{display:flex;gap:14px;align-items:center;margin-top:24px}
.qmeta img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.qmeta b{display:block}
.qmeta span{font-size:14px;color:var(--muted)}
.dark .qmeta span{color:#AEB9D2}

/* faq */
.faq{border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;background:none;border:0;text-align:left;font:700 18px var(--sans);color:var(--ink);padding:22px 50px 22px 0;cursor:pointer;position:relative}
.faq-q::after{content:"+";position:absolute;right:4px;top:50%;transform:translateY(-50%);font:400 30px var(--serif);color:var(--gold-d);transition:transform .25s}
.faq-q[aria-expanded=true]::after{transform:translateY(-50%) rotate(45deg)}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s}
.faq-a>div{overflow:hidden}
.faq-a p{color:var(--muted);padding-bottom:22px;max-width:70ch}
.faq-item.open .faq-a{grid-template-rows:1fr}

/* forms */
.form{background:#fff;border:1px solid var(--line);border-radius:6px;padding:36px;box-shadow:0 30px 60px -40px rgba(13,29,66,.45)}
.form h3{margin-bottom:6px}
.form .sub{color:var(--muted);font-size:15px;margin-bottom:24px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fld .em{display:none;color:#B03A2E;font-size:13px;margin-top:5px;font-weight:400}
.fld.err input,.fld.err select,.fld.err textarea{border-color:#B03A2E}
.fld.err .em{display:block}
.chk{display:flex;gap:10px;font-size:13.5px;color:var(--muted);align-items:flex-start;margin-bottom:18px}
.chk input{width:18px;height:18px;margin-top:3px;accent-color:var(--blue);flex:none}
.chk.err{color:#B03A2E}
.ok-msg{display:none;padding:22px;border-radius:4px;background:var(--sky);border-left:4px solid var(--gold);margin-top:6px}
.ok-msg.show{display:block}
.ok-msg b{display:block;font-family:var(--serif);font-weight:400;font-size:24px;color:var(--blue)}
.fine{font-size:12.5px;color:var(--muted);margin-top:14px}

/* cta band */
.band{background:var(--blue-2);color:#fff;padding:80px 0;position:relative;overflow:hidden}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;position:relative}
.band h2{max-width:20ch}
.band p{color:#C2CCE0;margin-top:10px}
.band-actions{display:flex;gap:12px;flex-wrap:wrap}

/* footer */
footer{background:var(--blue-2);color:#AEB9D2;font-size:14.5px;border-top:1px solid rgba(255,255,255,.08)}
.ft{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding:64px 0 40px}
.ft h4{color:#fff;margin-bottom:14px;font-size:15px}
.ft a{display:block;text-decoration:none;margin-bottom:9px}
.ft a:hover{color:#fff}
.ft .logo{color:#fff;margin-bottom:16px}
.comp{border-top:1px solid rgba(255,255,255,.1);padding:26px 0;font-size:12.5px;line-height:1.7;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start}
.ehl{display:flex;gap:10px;align-items:center;border:1px solid rgba(255,255,255,.25);padding:10px 14px;border-radius:4px;color:#fff;font-weight:700;font-size:12.5px;line-height:1.3}
.fb{border-top:1px solid rgba(255,255,255,.1);padding:20px 0 26px;font-size:13px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}

@media (max-width:1040px){
  .nav,.hdr-r .btn{display:none}
  .burger{display:grid;place-items:center}
  .mnav{position:fixed;left:0;right:0;top:var(--mtop,78px);background:#fff;border-bottom:1px solid var(--line);padding:6px 20px 22px;display:grid;transform:translateY(-130%);transition:transform .3s;z-index:55;box-shadow:0 20px 30px -10px rgba(13,29,66,.25)}
  .mnav.open{transform:none}
  .mnav a{padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:700}
  .mnav .btn{margin-top:16px;border:0}
  .g2,.phero .wrap,.calc{grid-template-columns:1fr}
  .g3{grid-template-columns:1fr 1fr}
  .tl{grid-template-columns:1fr 1fr;row-gap:30px;border-top:0}
  .tl-i{border-top:2px solid var(--gold-l)}
  .ft{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  body{font-size:16px}
  .sec{padding:70px 0}
  .topbar .hide-s{display:none}
  .g3,.tl,.frow,.ft{grid-template-columns:1fr}
  .calc-in,.calc-out,.form{padding:24px}
  .big{font-size:48px}
  .phero .wrap{padding:56px 0}
  .comp{grid-template-columns:1fr}
  .seg button{font-size:13px;padding:11px 2px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}html{scroll-behavior:auto}}
.ft a.logo{display:flex}
.band .btn-line{color:#fff}
.band .btn-line:hover{background:#fff;color:var(--blue)}
.phero .btn-line{color:#fff}
.phero .btn-line:hover{background:#fff;color:var(--blue)}