@font-face{font-family:Poppins;font-weight:400;font-style:normal;font-display:swap;src:url(/fonts/poppins-400.woff) format("woff")}
@font-face{font-family:Poppins;font-weight:500;font-style:normal;font-display:swap;src:url(/fonts/poppins-500.woff) format("woff")}
:root{--navy:#0B2A43;--navy2:#123C5E;--teal:#0A9DB0;--teal-l:#5BBFCD;--gold:#E4B24C;--gold-h:#EFC76B;--slate:#A9BACA;
--bg:#fff;--alt:#F3F6F9;--surface:#fff;--ink:#0F2437;--muted:#51657A;--line:#DDE5EB;--tint:#E6F4F7;--head-bg:#fff;--bn:#1E5078;--bn-glow:#3C89B8;--nav-bg:#143F63;--foot-bg:#173F60;--foot-line:#2A587A;--sel-bg:#0B2A43;--sel-fg:#fff;--shadow:0 10px 30px -12px rgba(11,42,67,.25);color-scheme:light}
@media (prefers-color-scheme:dark){:root{--bn:#0B2A43;--bn-glow:#18507B;--nav-bg:#071F33;--foot-bg:#08202F;--foot-line:#17384C;--bg:#071C2D;--alt:#0A2438;--surface:#0E3250;--ink:#EAF2F6;--muted:#9FB3C2;--line:#1E4260;--tint:#12405E;--head-bg:#0B2A43;--sel-bg:#E4B24C;--sel-fg:#0B2A43;--shadow:0 10px 30px -12px rgba(0,0,0,.6);color-scheme:dark}}
html{scroll-behavior:smooth;scroll-padding-top:5rem}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font:400 1rem/1.7 Poppins,system-ui,-apple-system,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased;padding-bottom:env(safe-area-inset-bottom,0px)}
h1,h2,h3{margin:0;font-weight:500;letter-spacing:-.02em;line-height:1.12;text-wrap:balance}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}h2{font-size:clamp(1.7rem,3.2vw,2.4rem)}h3{font-size:1.1rem;line-height:1.3;letter-spacing:-.01em}
p{margin:0}a{color:inherit}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
.wrap{max-width:74rem;margin:0 auto;padding:0 1.5rem}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;color:var(--navy);padding:.5rem 1rem;z-index:99}
.ic{width:1.5rem;height:1.5rem;flex:none}
/* masthead */
.mast{background:var(--head-bg);padding-top:env(safe-area-inset-top,0px);border-bottom:1px solid var(--line)}
.mast .wrap{display:flex;align-items:center;justify-content:space-between;gap:2rem;padding-top:1.1rem;padding-bottom:1.1rem}
.brand{display:block;flex:none}.brand img{display:block;height:96px;width:auto}
.brand .logo-dark{display:none}
@media (prefers-color-scheme:dark){.brand .logo-light{display:none}.brand .logo-dark{display:block}}
.mc{display:flex;gap:2.2rem}
.mc a,.mc div{display:flex;align-items:center;gap:.8rem;text-decoration:none}
.mc .ic{width:2.8rem;height:2.8rem;padding:.7rem;border-radius:50%;background:var(--tint);color:var(--teal)}
.mc small{display:block;font-size:.75rem;color:var(--muted);line-height:1.3}.mc b{font-weight:500;font-size:.95rem}
/* navbar */
.navbar{position:sticky;top:0;z-index:50;background:var(--nav-bg);color:#fff;border-top:1px solid rgba(255,255,255,.14);border-bottom:1px solid rgba(255,255,255,.07);box-shadow:0 6px 16px -6px rgba(7,28,45,.5)}
.nb{display:flex;align-items:center;justify-content:space-between;min-height:3.5rem}
.navbar ul{display:flex;gap:.2rem;list-style:none;margin:0;padding:0}
.navbar li a{display:block;padding:1rem 1.1rem;color:#E1EAF1;text-decoration:none;font-size:.93rem;font-weight:500;position:relative}
.navbar li a:hover,.navbar li a[aria-current]{color:#fff}
.navbar li a[aria-current]::after{content:"";position:absolute;left:1.1rem;right:1.1rem;bottom:.5rem;height:3px;border-radius:2px;background:var(--gold)}
.menu{display:none;align-items:center;gap:.6rem;border:1px solid rgba(255,255,255,.3);border-radius:.5rem;background:transparent;color:#fff;font:500 .9rem Poppins,sans-serif;padding:.5rem .9rem;cursor:pointer}
.menu svg{width:1.2rem;height:1.2rem}
/* buttons */
.btn{display:inline-block;background:var(--gold);color:#0B2A43;font:500 .95rem Poppins,sans-serif;text-decoration:none;padding:.85rem 1.7rem;border-radius:.5rem;border:0;cursor:pointer;text-align:center;transition:background .15s,transform .15s,box-shadow .15s}
.btn:hover{background:var(--gold-h);transform:translateY(-1px);box-shadow:0 8px 18px -8px rgba(228,178,76,.8);color:#0B2A43}
.btn.sm{padding:.55rem 1.15rem;font-size:.88rem}
.btn.navy{background:var(--navy);color:#fff}.btn.navy:hover{background:var(--navy2);color:#fff;box-shadow:0 8px 18px -8px rgba(11,42,67,.7)}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff;box-shadow:none}
.btn.line{background:transparent;color:var(--ink);border:1.5px solid var(--line)}.btn.line:hover{background:transparent;border-color:var(--teal);color:var(--ink);box-shadow:none}
.btn[disabled]{opacity:.6;cursor:wait}
@media(max-width:860px){
.mc{display:none}.brand img{height:76px}.mast .wrap{padding-top:.9rem;padding-bottom:.9rem}
.menu{display:inline-flex}
.navbar ul{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;background:var(--nav-bg);padding:.4rem 1.5rem 1.1rem;box-shadow:0 12px 20px rgba(7,28,45,.3)}
.navbar ul.open{display:flex}.navbar li a{padding:.85rem 0}.navbar li a[aria-current]::after{left:0;right:auto;width:2rem;bottom:.3rem}}
/* hero */
.hero{background:radial-gradient(900px 420px at 85% -10%,var(--bn-glow) 0%,transparent 65%),var(--bn);color:#fff;position:relative;overflow:hidden;padding:5.5rem 0 5rem}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,.07) 1px,transparent 1px);background-size:30px 30px;pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:4rem;align-items:center}
.hero.sub{padding:3.8rem 0 3.4rem}.hero.sub .wrap{grid-template-columns:1fr;gap:0}
.hero.sub h1{font-size:clamp(2rem,4.2vw,3rem)}.hero.sub .lead{margin-bottom:0}
.hero .chip{display:grid;place-items:center;width:3.4rem;height:3.4rem;border-radius:.9rem;background:rgba(228,178,76,.14);color:var(--gold);margin-bottom:1.3rem}
.hero .chip .ic{width:1.7rem;height:1.7rem}
.pill{display:inline-flex;align-items:center;gap:.5rem;border:1px solid rgba(228,178,76,.45);background:rgba(228,178,76,.1);color:var(--gold);font-size:.8rem;font-weight:500;padding:.3rem .9rem;border-radius:999px;margin-bottom:1.4rem}
.hero .lead{font-size:1.12rem;color:var(--slate);margin:1.4rem 0 2.1rem;max-width:38rem}
.hero .acts{display:flex;flex-wrap:wrap;gap:.9rem}.hero .note{margin-top:1.2rem;font-size:.85rem;color:var(--slate)}
.hero .wm{position:absolute;right:-2rem;bottom:-1rem;width:26rem;opacity:.05;pointer-events:none}
.crumbs{font-size:.85rem;color:var(--slate);margin-bottom:1.1rem}.crumbs a{color:var(--gold);text-decoration:none}.crumbs a:hover{text-decoration:underline}
.pcard{background:var(--surface);color:var(--ink);border-radius:1rem;padding:2rem;box-shadow:0 30px 60px -20px rgba(0,0,0,.5)}
.pcard .from{font-size:.82rem;color:var(--muted)}
.pcard .amt{display:flex;align-items:baseline;gap:.4rem;margin:.1rem 0 .3rem}.pcard .amt b{font-size:3.4rem;font-weight:500;line-height:1;letter-spacing:-.03em}.pcard .amt span{color:var(--muted)}
.pcard p{font-size:.9rem;color:var(--muted)}
.pcard .ticks{margin:1.2rem 0 1.5rem;font-size:.92rem}.pcard .btn{display:block}.pcard .fine{font-size:.78rem;color:var(--muted);margin-top:.9rem;text-align:center}
.strip{display:flex;height:6px}.strip i{flex:1;background:var(--teal-l)}.strip i:nth-child(2){background:#2AAEBF}.strip i:nth-child(3){background:var(--teal)}
@media(max-width:900px){.hero{padding:3.5rem 0}.hero .wrap{grid-template-columns:1fr;gap:2.5rem}.hero .wm{display:none}}
/* sections */
.sec{padding:5rem 0}.alt{background:var(--alt)}
.head{max-width:40rem;margin-bottom:2.8rem}.head p{color:var(--muted);margin-top:.9rem}.head.mid{margin-left:auto;margin-right:auto;text-align:center}
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem}
.pillar .ic{width:2.8rem;height:2.8rem;padding:.65rem;border-radius:.8rem;background:var(--tint);color:var(--teal);margin-bottom:1rem}
.pillar p{color:var(--muted);font-size:.9rem;margin-top:.4rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:1rem;padding:1.9rem;text-decoration:none;transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--teal)}
.card .ic{width:3.1rem;height:3.1rem;padding:.75rem;border-radius:.85rem;background:var(--tint);color:var(--teal);margin-bottom:1.3rem}
.card p{color:var(--muted);font-size:.93rem;margin-top:.6rem}
.card .more{margin-top:auto;padding-top:1.2rem;font-size:.88rem;font-weight:500;color:var(--teal)}.card .more::after{content:" \2192";transition:margin .2s}.card:hover .more::after{margin-left:.3rem}
.center{text-align:center;margin-top:2.8rem}
.qs{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem;margin:0 0 2.6rem}
.q{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:.9rem;padding:1.5rem}
.q i{display:grid;place-items:center;width:2rem;height:2rem;border-radius:50%;background:var(--gold);color:var(--navy);font-style:normal;font-weight:500;font-size:.85rem;margin-bottom:.9rem}
.q b{display:block;font-weight:500;margin-bottom:.4rem}.q span{font-size:.88rem;color:var(--slate)}
.navy{background:var(--bn);color:#fff;position:relative;overflow:hidden}
.navy.dots::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,.06) 1px,transparent 1px);background-size:30px 30px;pointer-events:none}
.navy .wrap{position:relative}.navy .head p{color:var(--slate)}.navy .fine{font-size:.82rem;color:var(--slate);margin-top:1rem}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:2.5rem;position:relative}
.steps li{position:relative}
.steps .n{display:grid;place-items:center;width:3.6rem;height:3.6rem;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:500;font-size:1.15rem;margin-bottom:1.3rem;box-shadow:0 0 0 6px var(--tint)}
.steps p{color:var(--muted);font-size:.93rem;margin-top:.6rem}.steps .d{font-size:.87rem;margin-top:.8rem;padding-left:1rem;border-left:3px solid var(--tint)}
.band{background:var(--bn);color:#fff;border-radius:1.2rem;padding:3.2rem;display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;inset:0;background:radial-gradient(520px 260px at 100% 0,#18507B 0%,transparent 70%);pointer-events:none}
.band>*{position:relative}.band p.lead{color:var(--slate);margin:1rem 0 1.9rem}
.acts{display:flex;flex-wrap:wrap;gap:.9rem}
.band .btn.line{color:#fff;border-color:rgba(255,255,255,.4)}.band .btn.line:hover{color:#fff;border-color:#fff}
.who{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:1rem;padding:1.8rem}
.who h3{margin-bottom:1.1rem}.who ul{list-style:none;margin:0;padding:0;display:grid;gap:.9rem}
.who li{display:flex;align-items:center;gap:.8rem;color:var(--slate);font-size:.95rem}.who li .ic{color:var(--gold);width:1.3rem;height:1.3rem}.who li a{text-decoration:none;color:#fff}.who li a:hover{text-decoration:underline}
.split{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:start}
.panelbox{background:var(--surface);border:1px solid var(--line);border-radius:1rem;padding:2rem}
.ticks{list-style:none;margin:1.3rem 0 0;padding:0;display:grid;gap:.75rem}
.ticks li{position:relative;padding-left:2rem;color:var(--muted)}
.ticks li::before{content:"";position:absolute;left:0;top:.2rem;width:1.3rem;height:1.3rem;border-radius:50%;background:var(--tint)}
.ticks li::after{content:"";position:absolute;left:.42rem;top:.5rem;width:.5rem;height:.28rem;border-left:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(-45deg)}
.two{display:grid;grid-template-columns:1.6fr 1fr;gap:3.5rem;align-items:start}
.two .lead{font-size:1.12rem;color:var(--muted);margin-bottom:2.2rem}
.two h2{font-size:1.5rem;margin-top:2.4rem}.two .ticks{grid-template-columns:1fr 1fr;gap:.9rem 1.5rem}
.side{position:sticky;top:5.5rem;background:var(--surface);border:1px solid var(--line);border-radius:1rem;padding:1.8rem;box-shadow:var(--shadow)}
.side h3{margin-bottom:.4rem}.side p{color:var(--muted);font-size:.9rem;margin-bottom:1.1rem}.side .btn{display:block;margin-bottom:.6rem}
.side ul{list-style:none;margin:.9rem 0 0;padding:0;font-size:.92rem;display:grid;gap:.5rem}.side ul a{text-decoration:none;color:var(--muted)}.side ul a:hover{color:var(--teal)}
.side hr{border:0;border-top:1px solid var(--line);margin:1.4rem 0}
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.why>div{background:var(--surface);border:1px solid var(--line);border-radius:1rem;padding:1.8rem}.why p{color:var(--muted);font-size:.93rem;margin-top:.6rem}
.faq{max-width:48rem}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:.8rem;padding:1.1rem 1.4rem;margin-bottom:.8rem}
.faq summary{cursor:pointer;font-weight:500;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";color:var(--teal);font-size:1.4rem;line-height:1}
.faq details[open] summary::after{content:"\2212"}.faq p{color:var(--muted);margin-top:.8rem}
/* calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:start}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:1rem;padding:2rem}
fieldset{border:0;margin:0 0 1.9rem;padding:0 0 1.9rem;border-bottom:1px solid var(--line)}fieldset:last-child{margin:0;padding:0;border:0}
legend{display:flex;align-items:center;gap:.7rem;font-weight:500;font-size:1.05rem;padding:0;margin-bottom:.3rem;float:left;width:100%}legend+*{clear:both}
legend i{display:grid;place-items:center;width:1.8rem;height:1.8rem;border-radius:50%;background:var(--navy);color:var(--gold);font-style:normal;font-size:.8rem}
fieldset .hint{color:var(--muted);font-size:.9rem;margin:.2rem 0 .9rem 2.5rem}
.opts{display:flex;flex-wrap:wrap;gap:.5rem;margin-left:2.5rem}.opts input{position:absolute;opacity:0;pointer-events:none}
.opts label{border:1.5px solid var(--line);border-radius:.6rem;padding:.55rem 1rem;cursor:pointer;font-size:.92rem;background:var(--bg);transition:background .12s,border-color .12s}
.opts label:hover{border-color:var(--teal)}.opts input:checked+label{background:var(--sel-bg);color:var(--sel-fg);border-color:var(--sel-bg)}
.opts input:focus-visible+label{outline:3px solid var(--teal);outline-offset:2px}
.receipt{background:var(--bn);color:#fff;border-radius:1rem;padding:2rem;position:sticky;top:5.5rem;box-shadow:var(--shadow)}
.receipt .top{display:flex;justify-content:space-between;align-items:flex-start;gap:1rem}.receipt h3{font-size:.95rem;color:var(--slate);font-weight:500}
.receipt svg.meter{width:46px;height:46px;flex:none}.receipt svg.meter rect{transition:height .35s,y .35s}
.lines{list-style:none;margin:.8rem 0 0;padding:0;min-height:7.5rem}
.lines li{display:flex;justify-content:space-between;gap:1rem;padding:.6rem 0;border-bottom:1px solid #26475F;font-size:.93rem;animation:in .25s ease-out}
.lines li.empty{color:var(--slate);border:0}.lines li.inc span:last-child{color:var(--gold)}
@keyframes in{from{opacity:0;transform:translateX(-6px)}to{opacity:1;transform:none}}
.total{display:flex;justify-content:space-between;align-items:baseline;margin-top:1.3rem}.total b{font-size:3rem;font-weight:500;line-height:1;letter-spacing:-.03em}.total span{color:var(--slate);font-size:.9rem}
.receipt .fine{font-size:.8rem;color:var(--slate);margin-top:1rem}.receipt .btn{display:block;margin-top:1.3rem}
/* contact */
.dcards{display:grid;gap:1rem;margin-top:1.8rem}
.dcard{display:flex;align-items:center;gap:1.1rem;background:var(--surface);border:1px solid var(--line);border-radius:1rem;padding:1.3rem 1.5rem;text-decoration:none;transition:border-color .2s,box-shadow .2s}
a.dcard:hover{border-color:var(--teal);box-shadow:var(--shadow)}
.dcard .ic{width:3rem;height:3rem;padding:.75rem;border-radius:.85rem;background:var(--tint);color:var(--teal)}
.dcard small{display:block;color:var(--muted);font-size:.8rem;line-height:1.3}.dcard b{font-weight:500}
.form{display:grid;gap:1.15rem}.form label{display:grid;gap:.4rem;font-size:.9rem;font-weight:500}
.form input,.form select,.form textarea{font:400 1rem Poppins,sans-serif;color:var(--ink);background:var(--bg);border:1.5px solid var(--line);border-radius:.6rem;padding:.8rem .95rem;width:100%;transition:border-color .15s,box-shadow .15s}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(10,157,176,.15)}
.form textarea{min-height:9.5rem;resize:vertical}.form .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:1.15rem}
.status{padding:.9rem 1.1rem;border-radius:.7rem;font-size:.92rem}.status.ok{background:#E3F4EA;color:#145C36}.status.err{background:#FBE7E5;color:#8A1F17}
.status a{color:inherit}
@media(prefers-color-scheme:dark){.status.ok{background:#12402B;color:#9BE3BC}.status.err{background:#4A1B17;color:#F5B5AE}}
.prose{max-width:46rem}.prose h2{font-size:1.3rem;margin:2.2rem 0 .5rem}.prose p{color:var(--muted)}
/* footer */
footer.site{background:var(--foot-bg);color:var(--slate);font-size:.9rem}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:3.5rem;padding:4.5rem 0 3.5rem}
footer .bc{position:relative}
footer .logo{display:block;height:72px;width:auto}footer .bc p{margin-top:1.1rem;max-width:22rem}
footer .cima{display:block;height:56px;width:auto;margin-top:1.8rem}
@media(min-width:1001px){footer .cima{position:absolute;left:0;bottom:.3rem;margin:0}}
footer h3{font-size:.95rem;color:#fff;margin-bottom:1.1rem}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.65rem}footer a{color:var(--slate);text-decoration:none}footer a:hover{color:#fff}
footer .name{color:#fff;font-weight:500}
footer .legal{border-top:1px solid var(--foot-line);padding:1.3rem 0;font-size:.8rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:.6rem}
.totop{position:fixed;right:1.25rem;bottom:calc(1.25rem + env(safe-area-inset-bottom,0px));width:3rem;height:3rem;border-radius:50%;border:0;background:var(--gold);color:var(--navy);display:grid;place-items:center;cursor:pointer;box-shadow:0 8px 20px rgba(0,0,0,.3);opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .2s,transform .2s,visibility .2s;z-index:40}
.totop.show{opacity:1;visibility:visible;transform:none}.totop svg{width:1.3rem;height:1.3rem}
.js .rv{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}.js .rv.in{opacity:1;transform:none}
@media(max-width:900px){.pillars,.qs{grid-template-columns:1fr 1fr}.cards{grid-template-columns:1fr 1fr}.steps,.why{grid-template-columns:1fr}.split,.two,.calc,.band{grid-template-columns:1fr}.two .ticks{grid-template-columns:1fr}.side,.receipt{position:static}.band{padding:2.2rem}}
@media(max-width:1000px){footer .cols{grid-template-columns:1fr;gap:2.5rem}}
@media(max-width:560px){.pillars,.qs,.cards,.form .row{grid-template-columns:1fr}.sec{padding:3.4rem 0}.opts,fieldset .hint{margin-left:0}.panel{padding:1.4rem}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.js .rv{opacity:1;transform:none}}

.sec.tb{padding-bottom:2rem}.sec.tt{padding-top:0}
.sec.lead-in{padding-bottom:0}.lead-in p{max-width:46rem;font-size:1.12rem;color:var(--muted)}
.quotebox{background:var(--tint);border:1px solid var(--line);border-radius:.8rem;padding:1.1rem 1.3rem;font-size:.9rem}
.quotebox b{display:block;font-weight:500;margin-bottom:.6rem}
.quotebox ul{list-style:none;margin:0;padding:0}.quotebox li,.quotebox .qt{display:flex;justify-content:space-between;gap:1rem;padding:.3rem 0;border-bottom:1px solid var(--line);color:var(--muted)}
.quotebox .qt{border:0;color:var(--ink);font-weight:500;padding-top:.6rem}
.quotebox .linkbtn{background:none;border:0;padding:0;margin-top:.5rem;font:inherit;font-size:.82rem;color:var(--teal);text-decoration:underline;cursor:pointer}
/* condensed sub-page banners */
.hero.sub{padding:2.2rem 0 2rem}
.hero.sub .pill{margin-bottom:.5rem}
.hero.sub h1{font-size:clamp(1.8rem,3.6vw,2.5rem);margin:.2rem 0 0}
.hero.sub .lead{font-size:1.02rem;margin:.6rem 0 0}
.sec.calcsec{padding-top:2.2rem}
@media(max-width:900px){
 .hero{padding:2rem 0 2.2rem}
 .hero .wrap{gap:1.6rem}
 .hero.sub{padding:1.5rem 0 1.4rem}
 .hero.sub h1{font-size:1.75rem}
 .hero.sub .lead{font-size:.98rem;margin-top:.5rem}
 .hero .lead{margin:1rem 0 1.4rem}
 .sec{padding:2.8rem 0}
 .sec.calcsec{padding-top:1.6rem}
}
[hidden]{display:none!important}
/* cookie banner */
.cookiebar{position:fixed;left:1rem;right:1rem;bottom:1rem;z-index:100;max-width:44rem;margin:0 auto;background:var(--navy);color:#fff;border:1px solid rgba(255,255,255,.16);border-radius:1rem;padding:1.1rem 1.3rem;box-shadow:0 18px 40px -12px rgba(0,0,0,.5);display:flex;gap:1.2rem;align-items:center;font-size:.9rem}
.cookiebar p{margin:0;color:var(--slate);line-height:1.5}.cookiebar b{display:block;color:#fff;font-weight:500;margin-bottom:.2rem}
.cookiebar a{color:var(--gold);text-decoration:underline}
.cb-acts{display:flex;gap:.6rem;flex:none}.cookiebar .btn.line{color:#fff;border-color:rgba(255,255,255,.4)}
@media(max-width:560px){.cookiebar{flex-direction:column;align-items:stretch;gap:.9rem;padding:1rem}.cb-acts .btn{flex:1}}
[data-cookie-settings]{margin-left:1rem}

/* softer banners (light mode): lighter secondary text for contrast */
@media not (prefers-color-scheme:dark){:root{--slate:#D5E2EC}}
/* compact footer */
footer .cols{grid-template-columns:1.3fr 1fr 1fr 1fr;gap:2.4rem;padding:2.6rem 0 1.8rem}
footer .logo{height:60px}footer .bc p{margin-top:.8rem}
footer h3{margin-bottom:.7rem}footer ul{gap:.45rem}
footer .legal{padding:.9rem 0}
@media(min-width:1001px){footer .cima{height:48px}}
@media(max-width:1000px){footer .cols{grid-template-columns:1fr 1fr;gap:1.6rem 1.5rem;padding:2rem 0 1.4rem}footer .bc{grid-column:1/-1}footer .cima{margin-top:1rem;height:46px}}
@media(max-width:480px){footer .cols{grid-template-columns:1fr 1fr}}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.areas a{display:block;padding:1.4rem 1.5rem;border:1px solid var(--line);border-radius:1rem;background:var(--surface);color:var(--ink);text-decoration:none;transition:.2s}
.areas a:hover{border-color:var(--teal);box-shadow:var(--shadow)}.areas b{display:block;font-weight:500;font-size:1.05rem}.areas span{display:block;color:var(--muted);font-size:.88rem;margin-top:.3rem}
@media(max-width:900px){.areas{grid-template-columns:1fr 1fr}}@media(max-width:480px){.areas{grid-template-columns:1fr}}

/* team page */
.team{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.6rem}
.member{background:var(--surface);border:1px solid var(--line);border-radius:1rem;overflow:hidden}
.member img{display:block;width:100%;aspect-ratio:1;object-fit:cover;background:var(--tint)}
.member .mb{padding:1.3rem 1.4rem 1.6rem}.member h2{font-size:1.2rem;margin:0}.member .role{color:var(--teal);font-weight:500;font-size:.9rem;margin:.3rem 0 .8rem}.member p{color:var(--muted);font-size:.93rem}
.soon{grid-column:1/-1;max-width:40rem;padding:2.2rem 0}.soon p{color:var(--muted);margin:.8rem 0 1.6rem}
/* prevent grid children overflowing on narrow phones */
.band>*,.two>*,.split>*,.calc>*,.cols>*{min-width:0}
.who li{min-width:0}.who li a,.band h2,.band p{overflow-wrap:anywhere}
@media(max-width:480px){.band{padding:1.6rem 1.3rem;gap:1.6rem}.who{padding:1.3rem}.band .acts{flex-direction:column;align-items:stretch}.band .acts .btn{text-align:center}}
.dcard{min-width:0}.dcard span,.dcard b,.dcard small{min-width:0;overflow-wrap:anywhere}
.who li a{overflow-wrap:break-word}
@media(max-width:400px){.who li{font-size:.86rem;gap:.6rem}.who{padding:1.2rem 1rem}}
/* compact mobile landing page */
@media(max-width:560px){
 .sec{padding:2.3rem 0}
 .head{margin-bottom:1.4rem}.head h2{font-size:1.55rem}
 .cards{grid-template-columns:1fr 1fr;gap:.8rem}
 .card{padding:1rem .95rem}
 .card .ic{width:2.3rem;height:2.3rem;padding:.55rem;margin-bottom:.7rem}
 .card h3{font-size:1rem;margin-bottom:.25rem}.card p{font-size:.8rem;line-height:1.4}
 .card .more{display:none}
 .areas{grid-template-columns:1fr 1fr;gap:.8rem}.areas a{padding:.9rem 1rem}.areas b{font-size:.98rem}.areas span{font-size:.78rem}
 .hero .pcard .ticks{display:none}.hero .pcard{padding:1.3rem}.hero .pcard .fine{margin-top:.7rem}
 .hero .lead{font-size:1rem;margin:.8rem 0 1.2rem}
 .hero .acts{gap:.7rem}.hero .note{margin-top:.9rem}
 .faq details{padding:.8rem 1rem;margin-bottom:.55rem}.faq summary{font-size:.92rem;line-height:1.35}
 .hero .pcard .btn{margin-top:1rem}
 .head p{font-size:.95rem}
 footer .cols{padding:1.5rem 0 1rem;gap:1.2rem 1.2rem}footer .bc p{display:none}footer .logo{height:48px}footer .cima{margin-top:.8rem;height:40px}footer .legal{padding:.8rem 0}
}
/* ---- tighter vertical rhythm, all pages ---- */
.sec{padding:3.4rem 0}
.head{margin-bottom:1.9rem}
.hero{padding:3.8rem 0 3.5rem}
.mast .wrap{padding-top:.7rem;padding-bottom:.7rem}
.two .lead,.sec.lead-in p{margin-bottom:1.3rem}
.two h2{margin-top:1.8rem}
.two .ticks{gap:.7rem 1.5rem}
.steps{gap:2rem}.steps .n{margin-bottom:1rem}
.why>div,.panelbox,.panel{padding:1.6rem}.side{padding:1.5rem}
.form{gap:.95rem}.form .row{gap:.95rem}
.dcards{gap:.8rem;margin-top:1.3rem}.dcard{padding:1rem 1.2rem}
.cards{gap:1.1rem}.card{padding:1.5rem}.card .ic{margin-bottom:1rem}
.band{padding:2.4rem}
.split{gap:2.6rem}
@media(max-width:900px){.sec{padding:2.4rem 0}.hero{padding:2rem 0 2.2rem}.band{padding:1.8rem}}
@media(max-width:560px){
 .mast .wrap{padding-top:.5rem;padding-bottom:.5rem}.brand img{height:68px}
 .hero.sub{padding:1.2rem 0 1.3rem}.hero.sub .chip{display:none}.hero.sub .pill{margin-bottom:.4rem}
 .crumbs{margin-bottom:.5rem}
 .two .lead,.sec.lead-in p{font-size:1rem;line-height:1.55;margin-bottom:1rem}
 .two h2{margin-top:1.4rem;font-size:1.3rem}
 .steps{gap:1.5rem}.steps .n{width:2.6rem;height:2.6rem;font-size:1rem;margin-bottom:.7rem;box-shadow:0 0 0 4px var(--tint)}
 .why{gap:.8rem}.why>div,.panelbox,.panel,.side{padding:1.15rem}
 .form{gap:.75rem}.form textarea{min-height:7rem}.form input,.form select,.form textarea{padding:.7rem .85rem}
 .split{gap:1.6rem}.dcards{margin-top:1rem}
 .faq{margin-top:0}
}
@media(max-width:560px){
 .cards{gap:.7rem}.card{padding:.9rem .85rem;min-width:0}.card .ic{margin-bottom:.6rem}
 .card h3,.card p{overflow-wrap:anywhere}
 .band{padding:1.5rem 1.2rem}.sec{padding:2rem 0}.head{margin-bottom:1.2rem}
}
/* services intro paragraph: its own band, text left-aligned and vertically centred */
.sec.lead-in{background:var(--tint);padding:2.6rem 0;display:flex;align-items:center}
.sec.lead-in .wrap{width:100%}.sec.lead-in p{margin:0;max-width:46rem;color:var(--ink);text-align:left}
@media(max-width:560px){.sec.lead-in{padding:1.8rem 0}}

/* back-to-top: labelled floating pill on desktop */
@media(min-width:1001px){
 .totop{width:auto;height:3.2rem;padding:0 1.4rem 0 1.15rem;border-radius:999px;display:flex;align-items:center;gap:.6rem;right:2rem;bottom:2rem;font:500 .92rem Poppins,sans-serif;box-shadow:0 10px 26px rgba(7,28,45,.35),0 0 0 3px rgba(255,255,255,.55)}
 .totop::after{content:"Back to top"}
 .totop:hover{background:var(--gold-h);transform:translateY(-2px)}
}