*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;color:#3A4655;background:#fff;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}

/* ---------- accessibility ---------- */
.skip{position:absolute;left:-9999px;top:0;z-index:200;background:#0077C0;color:#fff;padding:12px 20px;font-weight:700;border-radius:0 0 7px 0}
.skip:focus{left:0;text-decoration:none}
:focus-visible{outline:3px solid #0077C0;outline-offset:2px;border-radius:2px}
.hero :focus-visible,.hero-sm :focus-visible,.ctaband :focus-visible,footer.site :focus-visible,.topbar :focus-visible{outline-color:#C9A227}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important}
}
a{color:#0077C0;text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;color:#0F1B2E;line-height:1.18;margin:0 0 .5em;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2rem,4.6vw,3.15rem)}
h2{font-size:clamp(1.5rem,3.1vw,2.1rem);margin-top:0}
h3{font-size:clamp(1.12rem,2vw,1.32rem)}
h4{font-size:1.02rem}
h2.ash3{font-size:clamp(1.12rem,2vw,1.32rem)}
.note h2.ash3{font-size:1.02rem;margin:0 0 .4em}
p{margin:0 0 1.15em}
ul,ol{margin:0 0 1.15em;padding-left:1.3em}
li{margin-bottom:.4em}
hr{border:0;border-top:1px solid #E3E9F0;margin:44px 0}
code{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;font-size:.9em;background:#F6F9FC;padding:2px 6px;border-radius:4px;color:#0F1B2E}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.narrow{max-width:790px}
.mid{max-width:960px}
.center{text-align:center}
.mt0{margin-top:0}.mb0{margin-bottom:0}
.lede{font-size:1.2rem;line-height:1.6;color:#3A4655}
.fine{font-size:.87rem;color:#626E7E;line-height:1.55}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.75rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:#0077C0;margin-bottom:14px}
.eyebrow::before{content:"";width:22px;height:2px;background:#C9A227}


/* ---------- unfilled legal token ---------- */

/* ---------- topbar ---------- */
.topbar{background:#0B1220;color:#c6d3e6;font-size:.81rem;letter-spacing:.01em}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;min-height:38px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
.topbar .tline{display:flex;gap:16px;align-items:center}

/* ---------- header ---------- */
header.site{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid #E3E9F0;box-shadow:0 1px 14px rgba(11,18,32,.05)}
header.site .wrap{display:flex;align-items:center;gap:20px;min-height:78px}
.logo{display:flex;align-items:center;flex-shrink:0}
.logo img{height:46px;width:auto}
nav.main{margin-left:auto;display:flex;align-items:center;gap:23px}
nav.main a{color:#0F1B2E;font-weight:600;font-size:.93rem}
nav.main a:hover{color:#0077C0;text-decoration:none}
nav.main a.cta{background:#0077C0;color:#fff;padding:11px 19px;border-radius:7px;font-weight:700}
nav.main a.cta:hover{background:#005E99}
.navtoggle{display:none;margin-left:auto;background:none;border:1.5px solid #E3E9F0;border-radius:7px;padding:9px 12px;font-size:1.05rem;cursor:pointer;color:#0F1B2E}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:#0077C0;color:#fff;font-weight:700;padding:14px 26px;border-radius:7px;border:0;cursor:pointer;font-size:1rem;line-height:1.25;text-align:center;transition:background .15s}
.btn:hover{background:#005E99;text-decoration:none;color:#fff}
.btn-lg{padding:17px 34px;font-size:1.06rem}
.btn-gold{background:#C9A227;color:#231b00}
.btn-gold:hover{background:#b08d1f;color:#231b00}
.btn-ghost{background:transparent;color:#fff;border:1.6px solid rgba(255,255,255,.5)}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-ink{background:transparent;color:#0077C0;border:1.6px solid #0077C0}
.btn-ink:hover{background:#0077C0;color:#fff}
.ctarow{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-top:26px}

/* ---------- hero ---------- */
.hero{background:#0B1220;color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;top:-180px;right:-140px;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(0,119,192,.30) 0%,rgba(0,119,192,0) 68%)}
.hero .wrap{position:relative;z-index:2;padding-top:74px;padding-bottom:74px}
.hero.split .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center}
.hero h1{color:#fff;margin-bottom:.42em;text-wrap:balance}
.hero .eyebrow{color:#C9A227}
.hero .eyebrow::before{background:#C9A227}
.hero .sub{font-size:1.19rem;color:#c9d6e8;max-width:46ch;line-height:1.62}
.hero .fine{color:#93a5bf}
.herolist{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:11px}
.herolist li{padding-left:30px;position:relative;color:#dce5f2;font-weight:600}
.herolist li::before{content:"";position:absolute;left:0;top:.48em;width:16px;height:16px;border-radius:50%;border:2px solid #C9A227}
.hero-sm{background:#0B1220;color:#fff}
.hero-sm .wrap{padding-top:52px;padding-bottom:52px;position:relative;z-index:2}
.hero-sm h1{color:#fff;margin-bottom:.32em}
.hero-sm .sub{font-size:1.1rem;color:#c9d6e8;max-width:62ch;margin:0}

/* ---------- hero card ---------- */
.herocard{background:#fff;border-radius:12px;padding:30px;box-shadow:0 26px 64px rgba(0,0,0,.4);color:#3A4655}
.herocard h2{font-size:1.3rem;margin-bottom:.3em}
.pricebig{font-family:"Iowan Old Style",Palatino,Georgia,serif;font-size:2.5rem;font-weight:700;color:#0F1B2E;line-height:1.1;letter-spacing:-.02em}
.pricebig small{display:block;font-family:inherit;font-size:.82rem;font-weight:600;color:#626E7E;letter-spacing:.05em;text-transform:uppercase;margin-top:6px}
.miniline{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px solid #E3E9F0;font-size:.92rem}
.miniline:last-of-type{border-bottom:0}
.miniline span:last-child{font-weight:700;color:#0F1B2E;white-space:nowrap}

/* ---------- sections ---------- */
section{padding:70px 0}
section.tight{padding:48px 0}
section.wash{background:#F6F9FC;border-top:1px solid #E3E9F0;border-bottom:1px solid #E3E9F0}
section.ink{background:#132844;color:#c9d6e8}
section.ink h2,section.ink h3{color:#fff}
.sechead{max-width:760px;margin-bottom:42px}
.sechead.center{margin-left:auto;margin-right:auto;text-align:center}

/* ---------- grids ---------- */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid #E3E9F0;border-radius:10px;padding:26px}
.card h3{margin-bottom:.45em}
.card p:last-child{margin-bottom:0}
.card.flat{border:0;padding:0}
section.ink .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.14);color:#c9d6e8}
.card .num{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:#0077C0;color:#fff;font-weight:700;font-size:.95rem;margin-bottom:14px;font-family:-apple-system,sans-serif}
.card .ico{font-size:1.5rem;margin-bottom:10px;display:block}

/* ---------- stat strip ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:#E3E9F0;border:1px solid #E3E9F0;border-radius:10px;overflow:hidden}
.stat{background:#fff;padding:24px 20px;text-align:center}
.stat b{display:block;font-family:"Iowan Old Style",Palatino,Georgia,serif;font-size:2.1rem;color:#0077C0;line-height:1.1;letter-spacing:-.02em}
.stat span{display:block;font-size:.83rem;color:#626E7E;margin-top:6px;line-height:1.4}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:grid;gap:0}
.step{position:relative;padding:0 0 34px 62px;counter-increment:s}
.step::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:#fff;border:2px solid #0077C0;color:#0077C0;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:1rem}
.step::after{content:"";position:absolute;left:20px;top:44px;bottom:0;width:2px;background:#E3E9F0}
.step:last-child::after{display:none}
.step:last-child{padding-bottom:0}
.step h3{margin-bottom:.3em}
.step p:last-child{margin-bottom:0}

/* ---------- tables ---------- */
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid #E3E9F0;border-radius:10px}
table{border-collapse:collapse;width:100%;font-size:.94rem;background:#fff}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid #E3E9F0;vertical-align:top}
th{background:#F6F9FC;font-weight:700;color:#0F1B2E;font-size:.82rem;letter-spacing:.05em;text-transform:uppercase;white-space:nowrap}
tbody tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
tr.total td{background:#F6F9FC;font-weight:700;color:#0F1B2E;border-top:2px solid #E3E9F0}
tr.sub td{font-weight:700;color:#0F1B2E}

/* ---------- pills ---------- */
.pill{display:inline-block;padding:3px 10px;border-radius:100px;font-size:.75rem;font-weight:700;letter-spacing:.03em;white-space:nowrap}
.pill-ok{background:#dcf5e6;color:#0d5c2d}
.pill-no{background:#fde8e8;color:#8a1c1c}
.pill-warn{background:#fdf0d5;color:#6b4a00}
.pill-info{background:#e2eefb;color:#0b4a78}
.pill-mute{background:#F6F9FC;color:#626E7E}

/* ---------- callouts ---------- */
.note{border-left:4px solid #0077C0;background:#F6F9FC;padding:20px 24px;border-radius:0 8px 8px 0;margin:0 0 26px}
.note h3,.note h4{margin:0 0 .4em;color:#0F1B2E;font-size:1.02rem}
.note p:last-child{margin-bottom:0}
.note.warn{border-left-color:#C9A227;background:#fdf8ec}
.note.stop{border-left-color:#b3261e;background:#fdeceb}
.note.ok{border-left-color:#1a7f43;background:#eef9f2}

/* ---------- faq ---------- */
details.faq{border:1px solid #E3E9F0;border-radius:9px;margin-bottom:11px;background:#fff}
details.faq summary{padding:18px 22px;font-weight:700;color:#0F1B2E;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:flex-start}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-size:1.35rem;line-height:1;color:#0077C0;flex-shrink:0;font-weight:400}
details.faq[open] summary::after{content:"−"}
details.faq .ans{padding:0 22px 20px;border-top:1px solid #E3E9F0;padding-top:16px}
details.faq .ans p:last-child{margin-bottom:0}

/* ---------- state grid ---------- */
.stategrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(184px,1fr));gap:11px}
.stategrid a{display:flex;justify-content:space-between;align-items:center;gap:10px;border:1px solid #E3E9F0;border-radius:8px;padding:13px 15px;color:#0F1B2E;font-weight:600;font-size:.93rem;background:#fff}
.stategrid a:hover{border-color:#0077C0;text-decoration:none;background:#F6F9FC}
.factrow{display:grid;grid-template-columns:190px 1fr;gap:18px;padding:15px 0;border-bottom:1px solid #E3E9F0}
.factrow:last-child{border-bottom:0}
.factrow dt{font-weight:700;color:#0F1B2E;font-size:.93rem}
.factrow dd{margin:0}
.factrow dd .fine{margin-top:4px}
dl.facts{margin:0}

/* ---------- breadcrumbs ---------- */
.crumbs{background:#F6F9FC;border-bottom:1px solid #E3E9F0;font-size:.85rem;color:#626E7E}
.crumbs .wrap{padding-top:11px;padding-bottom:11px}
.crumbs a{color:#626E7E}
.crumbs a:hover{color:#0077C0}

/* ---------- cta band ---------- */
.ctaband{background:#0B1220;color:#fff;text-align:center}
.ctaband h2{color:#fff}
.ctaband .wrap{padding:64px 22px}
.ctaband p{color:#c9d6e8;max-width:58ch;margin-left:auto;margin-right:auto}
.ctaband .ctarow{justify-content:center}

/* ---------- footer ---------- */
footer.site{background:#0B1220;color:#8fa2bd;font-size:.9rem;padding:56px 0 30px;border-top:4px solid #0077C0}
footer.site .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:38px}
footer.site h2,footer.site h4{color:#fff;font-family:-apple-system,sans-serif;font-size:.79rem;letter-spacing:.11em;text-transform:uppercase;margin:0 0 14px}
footer.site h2{font-weight:700}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:9px}
footer.site a{color:#b9c8dd}
footer.site a:hover{color:#fff}
footer.site .flogo{background:#fff;border-radius:8px;padding:12px 14px;display:inline-block;margin-bottom:16px}
footer.site .flogo img{height:40px}
footer.site .legal{border-top:1px solid rgba(255,255,255,.13);padding-top:22px;font-size:.82rem;line-height:1.65;color:#7c8ea9}
footer.site .legal p{margin-bottom:.8em}

/* ---------- legal documents ---------- */
.legaldoc h2{font-size:clamp(1.22rem,2.3vw,1.5rem);margin-top:2.2em;padding-top:.4em;border-top:1px solid #E3E9F0}
.legaldoc h2:first-of-type{margin-top:0;border-top:0;padding-top:0}
.legaldoc .eff{display:inline-block;background:#F6F9FC;border:1px solid #E3E9F0;border-radius:100px;padding:6px 15px;font-size:.85rem;color:#626E7E;margin-bottom:8px}
.legalgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px}

/* ---------- responsive ---------- */
@media (max-width:1000px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  footer.site .cols{grid-template-columns:1fr 1fr;gap:28px}
}
@media (max-width:860px){
  body{font-size:16.5px}
  .hero.split .wrap{grid-template-columns:1fr;gap:34px}
  .g2,.g3{grid-template-columns:1fr}
  nav.main{position:fixed;inset:78px 0 auto;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 22px 22px;border-bottom:1px solid #E3E9F0;box-shadow:0 14px 30px rgba(11,18,32,.12);display:none}
  nav.main.open{display:flex}
  nav.main a{padding:14px 0;border-bottom:1px solid #E3E9F0;font-size:1rem}
  nav.main a.cta{margin-top:14px;text-align:center;border-bottom:0}
  .navtoggle{display:block}
  .factrow{grid-template-columns:1fr;gap:4px}
  section{padding:52px 0}
}
@media (max-width:520px){
  .stats{grid-template-columns:1fr}
  .step{padding-left:52px}
  .ctarow .btn{width:100%}
}
@media print{
  header.site,footer.site,.topbar,.ctaband,.navtoggle{display:none}
  body{font-size:11pt}
}