:root{
  color-scheme:light;
  --navy:#000E44; --navy-2:#02124C; --royal:#0B2677; --teal:#588897;
  --aqua:#00DBC5; --aqua-hover:#1FE8D4; --aqua-ink:#0A7C71;
  --mint:#E4FAF7; --sky:#E8F3FF;
  --bg:#F7F9FC; --card:#FFFFFF; --line:#E3E8F0; --line-2:#CBD3E1;
  --text:#0B1339; --muted:#5A6B8C; --faint:#8C98B4;
  --on-dark:#F2F6FF; --on-dark-muted:#B3BDD9;
  --head:"Poppins",ui-sans-serif,system-ui,"Segoe UI",sans-serif;
  --body:"Inter",ui-sans-serif,system-ui,"Segoe UI",sans-serif;
  --r:16px; --r-lg:22px; --sh:0 18px 40px -24px rgba(0,14,68,.28); --sh-lg:0 40px 80px -36px rgba(0,14,68,.45);
  --ease:cubic-bezier(.22,1,.36,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--text);font-family:var(--body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:clip}
h1,h2,h3,h4{font-family:var(--head);font-weight:700;letter-spacing:-.02em;line-height:1.15;margin:0;text-wrap:balance;color:var(--navy)}
p{margin:0}
a{color:inherit}
img{max-width:100%;display:block}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--aqua);outline-offset:3px;border-radius:6px}
.wrap{width:min(1140px,100% - 48px);margin-inline:auto}
@media (max-width:640px){.wrap{width:min(1140px,100% - 32px)}}
.sec{padding-block:clamp(64px,8vw,104px)}
.alt{background:var(--bg)}
.pill{display:inline-flex;align-items:center;gap:8px;background:var(--mint);color:var(--aqua-ink);font:600 12px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;padding:9px 14px;border-radius:999px}
.pill::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--aqua)}
.h2{font-size:clamp(30px,3.6vw,44px)}
.lead{color:var(--muted);font-size:17px;line-height:1.65}
.center{text-align:center}
.center .lead{margin-inline:auto;max-width:60ch}
.sec-head{display:grid;gap:14px;justify-items:start;margin-bottom:clamp(32px,4vw,48px)}
.sec-head.center{justify-items:center}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:999px;font-family:var(--head);font-weight:600;font-size:15px;text-decoration:none;border:0;cursor:pointer;transition:transform .3s var(--ease),background .2s,box-shadow .3s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-aqua{background:var(--aqua);color:var(--navy);box-shadow:0 12px 26px -12px rgba(0,219,197,.9)}
.btn-aqua:hover{background:var(--aqua-hover)}
.btn-navy{background:var(--navy);color:#fff;box-shadow:0 12px 26px -14px rgba(0,14,68,.7)}
.btn-navy:hover{background:var(--royal)}
.btn-line{background:transparent;color:var(--navy);border:1.5px solid var(--line-2)}
.btn-line:hover{border-color:var(--navy)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 8px 24px -18px rgba(0,14,68,.18)}

/* motion */
html{scroll-padding-top:110px}
.progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--aqua);z-index:80;transition:width .15s linear}
@keyframes up{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
@keyframes pop{0%{transform:scale(.6);opacity:0}70%{transform:scale(1.08);opacity:1}100%{transform:scale(1)}}
@keyframes wipe{from{clip-path:inset(0 100% 0 0 round 22px)}to{clip-path:inset(0 0 0 0 round 22px)}}
@keyframes fill{from{width:0}to{width:100%}}
/* staggered children */
.vals>.rv:nth-child(2),.svc-grid>.rv:nth-child(2),.why-grid>.rv:nth-child(2),.vmv>.rv:nth-child(2),.creds>.rv:nth-child(2),.quotes>.rv:nth-child(2){transition-delay:.1s}
.vals>.rv:nth-child(3),.svc-grid>.rv:nth-child(3),.why-grid>.rv:nth-child(3),.vmv>.rv:nth-child(3),.creds>.rv:nth-child(3),.quotes>.rv:nth-child(3){transition-delay:.2s}
.svc-grid>.rv:nth-child(4),.why-grid>.rv:nth-child(4),.creds>.rv:nth-child(4){transition-delay:.3s}
.svc-grid>.rv:nth-child(5),.creds>.rv:nth-child(5){transition-delay:.15s}.svc-grid>.rv:nth-child(6),.creds>.rv:nth-child(6){transition-delay:.25s}.svc-grid>.rv:nth-child(7){transition-delay:.35s}.svc-grid>.rv:nth-child(8){transition-delay:.45s}
/* hero content stagger */
.hero .box>*{opacity:0;transform:translateY(14px)}
.hero .slide.on .box>*{animation:up .8s var(--ease) both}
.hero .slide.on .box>*:nth-child(1){animation-delay:.35s}.hero .slide.on .box>*:nth-child(2){animation-delay:.45s}.hero .slide.on .box>*:nth-child(3){animation-delay:.55s}.hero .slide.on .box>*:nth-child(4){animation-delay:.65s}
.hero .box{will-change:transform;transition:transform .9s var(--ease) .2s,opacity .9s var(--ease) .2s,box-shadow .4s}
.hero .box.tilt{transition:transform .15s ease-out,opacity .9s var(--ease) .2s}
.hero .ctrl button{position:relative;overflow:hidden}
.hero .ctrl button[aria-current="true"]::after{content:"";position:absolute;inset:0;background:#fff;opacity:.55;animation:fill 7s linear}
/* icons + photos */
.svc .ic,.val .ic,.why-card .ic{transition:transform .45s var(--ease),background .3s}
.svc:hover .ic{transform:translateY(-4px) rotate(-4deg) scale(1.06)}
.val:hover .ic,.why-card:hover .ic{transform:translateY(-3px) scale(1.06)}
.about .photo .img,.proc .photo{clip-path:inset(0 100% 0 0 round 22px)}
.about .photo.in .img,.proc .photo.in{animation:wipe 1.1s var(--ease) .1s both}
.about .est{opacity:0;transform:scale(.7)}
.about .photo.in .est{animation:pop .7s var(--ease) .9s both}
/* process rail */
.steps{position:relative}
.steps::before{content:"";position:absolute;left:45px;top:30px;bottom:30px;width:2px;background:var(--line)}
.steps::after{content:"";position:absolute;left:45px;top:30px;width:2px;height:0;background:var(--aqua);transition:height 1.8s var(--ease) .3s}
.steps.in::after{height:calc(100% - 60px)}
.step{position:relative;z-index:1}
.step .n{transition:transform .4s var(--ease),box-shadow .4s}
.step:hover .n{transform:scale(1.08);box-shadow:0 0 0 6px var(--mint)}
/* buttons */
.btn{position:relative;overflow:hidden}
.btn::after{content:"";position:absolute;inset:0;background:radial-gradient(120px circle at var(--x,50%) var(--y,50%),rgba(255,255,255,.28),transparent 60%);opacity:0;transition:opacity .3s}
.btn:hover::after{opacity:1}
.btn-aqua:hover{box-shadow:0 18px 34px -12px rgba(0,219,197,.95)}
/* verdict + results */
.verdict,.sub-out{animation:up .5s var(--ease) both}
.faqs details[open] .a{animation:up .45s var(--ease) both}
.faqs summary i{transition:transform .35s var(--ease),background .3s,color .3s}
/* nav underline + logo */
.logo img{transition:transform .4s var(--ease)}
.logo:hover img{transform:scale(1.04)}
html.calm .hero .box>*,html.calm .about .photo .img,html.calm .proc .photo,html.calm .about .est{animation:none!important;opacity:1;transform:none;clip-path:none}
.rv{opacity:0;transform:translateY(22px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.rv.in{opacity:1;transform:none}
.rv[data-d="1"]{transition-delay:.08s}.rv[data-d="2"]{transition-delay:.16s}.rv[data-d="3"]{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}

/* accessibility bar */
.a11y{background:#fff;border-bottom:1px solid var(--line);font-size:13px;color:var(--muted)}
.a11y .lang{display:none}
.a11y .wrap{display:flex;justify-content:flex-end;align-items:center;gap:12px;min-height:34px;flex-wrap:wrap;padding-block:3px}
.a11y .grp{display:flex;gap:6px;align-items:center;flex-wrap:wrap}
.a11y .lbl{font-weight:600;color:var(--navy);margin-right:4px}
.a11y button{border:1px solid var(--line-2);background:#fff;border-radius:8px;padding:3px 9px;font-size:12px;font-weight:600;cursor:pointer;color:var(--navy);display:inline-flex;align-items:center;gap:6px}
.a11y button[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.a11y .lang{display:inline-flex;gap:8px;align-items:center}
.a11y .lang svg{width:14px;height:14px;color:var(--aqua-ink)}
@media (max-width:640px){.a11y .lang{display:none}}
html.txt-1{font-size:112%}html.txt-2{font-size:125%}
html.hc{--text:#000;--muted:#1a1a1a;--faint:#333;--line:#000;--line-2:#000;--bg:#fff;--mint:#fff}
html.hc body{background:#fff}
html.hc .card,html.hc .faqs details{border:2px solid #000!important;box-shadow:none!important}
html.hc .btn-aqua{background:#000!important;color:#fff!important;box-shadow:none}
html.hc .btn-navy{background:#000!important;color:#fff!important}
html.hc .pill{background:#000;color:#fff}html.hc .pill::before{background:#fff}
html.hc .topbar,html.hc .trust,html.hc .cdet,html.hc footer,html.hc .band,html.hc .refband{background:#000!important;color:#fff!important}
html.hc a{text-decoration:underline}
html.calm *,html.calm *::before,html.calm *::after{animation:none!important;transition:none!important}
html.calm .rv{opacity:1;transform:none}
.easy{display:none;background:var(--mint);border-left:4px solid var(--aqua);border-radius:10px;padding:14px 18px;margin:0 0 22px;font-size:1.05em;line-height:1.7;color:var(--navy)}
.easy b{display:block;font-family:var(--head);font-size:.85em;letter-spacing:.08em;text-transform:uppercase;color:var(--aqua-ink);margin-bottom:4px}
html.easy-on .easy{display:block}
html.easy-on{font-size:118%}
html.easy-on body{line-height:1.75}
html.easy-on .lead,html.easy-on p{max-width:60ch}
/* skip link */
.skip{position:absolute;left:-999px;top:8px;z-index:100;background:var(--navy);color:#fff;padding:10px 14px;border-radius:8px;font-weight:600}
.skip:focus{left:12px}
/* a11y mobile collapse */
.a11y .tog{display:none}
@media (max-width:760px){.a11y .grp{display:none}.a11y.open .grp{display:flex;width:100%;padding-bottom:6px}.a11y .tog{display:inline-flex}.a11y .wrap{justify-content:flex-start}}
/* mega menu */
.nav-links li{position:relative}
.mega{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(8px);width:640px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-lg);padding:14px;display:grid;grid-template-columns:1fr 1fr;gap:6px;opacity:0;pointer-events:none;transition:opacity .25s var(--ease),transform .25s var(--ease)}
.nav-links li:hover .mega,.nav-links li:focus-within .mega{opacity:1;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.mega a{display:grid;grid-template-columns:40px 1fr;gap:12px;align-items:center;padding:10px;border-radius:12px;font-family:var(--body);font-weight:500;font-size:14px;color:var(--text)}
.mega a::after{display:none}
.mega a:hover{background:var(--mint)}
.nav-links .mic svg{width:24px;height:24px}
.mega .mic{width:40px;height:40px;border-radius:10px;background:var(--mint);display:grid;place-items:center;color:var(--aqua-ink)}
.mega small{display:block;color:var(--faint);font-size:12px;font-weight:400}
/* hero photo treatment */
.hero .slide img{filter:saturate(.8) contrast(1.06)}
.hero .slide::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,14,68,.04),rgba(0,14,68,.32)),linear-gradient(90deg,rgba(88,136,151,.3),transparent 55%);z-index:1;pointer-events:none}
.hero .slide .wrap{z-index:2}
/* quick referral bar */
.quick{background:#fff;border-bottom:1px solid var(--line)}
.quick .wrap{display:grid;grid-template-columns:1fr auto auto;gap:10px;align-items:center;padding-block:14px}
.quick .t{font-family:var(--head);font-weight:600;color:var(--navy);font-size:15px}
.quick .t small{display:block;font:500 12px var(--body);color:var(--muted)}
.quick .btn{padding:12px 22px;white-space:nowrap}
@media (max-width:900px){.quick .wrap{grid-template-columns:1fr 1fr}.quick .t{grid-column:1/-1}.quick .btn{width:100%;padding-inline:12px}}
/* topbar */
.topbar{background:var(--navy);color:var(--on-dark-muted);font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:44px;flex-wrap:wrap;padding-block:6px}
.topbar .ct{display:flex;gap:22px;flex-wrap:wrap}
.topbar span{display:inline-flex;align-items:center;gap:7px}
.topbar svg{width:14px;height:14px;color:var(--aqua)}
.topbar b{color:#fff;font-weight:600}
.topbar .badge{border:1px solid rgba(0,219,197,.55);color:var(--aqua);padding:6px 12px;border-radius:999px;font:700 11px/1 var(--body);letter-spacing:.08em;text-transform:uppercase}
@media (max-width:820px){.topbar .ct span:nth-child(n+2){display:none}}

/* nav */
.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:60;background:rgba(255,255,255,.86);backdrop-filter:saturate(1.5) blur(16px);border-bottom:1px solid var(--line);transition:box-shadow .3s}
.nav.scrolled{box-shadow:0 10px 30px -22px rgba(0,14,68,.4)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:82px}
.logo{display:inline-flex;text-decoration:none}
.logo img{height:58px;width:auto;display:block}
.nav-links{display:flex;gap:26px;list-style:none;margin:0;padding:0;font-family:var(--head);font-weight:500;font-size:15px;color:var(--navy)}
.nav-links a{text-decoration:none;position:relative;padding-block:6px;display:inline-flex;align-items:center;gap:5px}
.nav-links a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--aqua);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}
.nav-links a:hover::after,.nav-links a.on::after{transform:scaleX(1)}
.nav-links a.on{color:var(--aqua-ink)}
.nav-links svg{width:10px;height:10px}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .btn{padding:12px 22px;font-size:14px}
.menu-btn{display:none;width:42px;height:42px;border-radius:10px;border:1.5px solid var(--line-2);background:#fff;cursor:pointer;color:var(--navy)}
@media (max-width:1020px){.nav-links{display:none}.menu-btn{display:grid;place-items:center}}
@media (max-width:420px){.nav-cta .btn{padding:10px 14px;font-size:13px}.logo img{height:46px}}
.mobile-menu{display:none;background:#fff;border-bottom:1px solid var(--line)}
.mobile-menu.open{display:block}
.mobile-menu ul{list-style:none;margin:0;padding:8px 0 18px;display:grid}
.mobile-menu a{display:block;padding:13px 4px;font-family:var(--head);font-weight:500;text-decoration:none;border-bottom:1px solid var(--line)}

/* hero slider */
.hero{position:relative;background:var(--teal);color:#fff;overflow:hidden;min-height:clamp(520px,60vw,640px)}
.hero .slide{position:absolute;inset:0;opacity:0;transition:opacity 1.1s var(--ease);pointer-events:none}
.hero .slide.on{opacity:1;pointer-events:auto;position:relative}
.hero .slide::before{content:"";position:absolute;inset:0;background:linear-gradient(112deg,var(--teal) 0%,var(--teal) 46%,rgba(88,136,151,0) 46.1%);z-index:1}
.hero .slide img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:22% 50%;transform:scale(1.04);transition:transform 9s linear}
.hero .slide.on img{transform:scale(1.12)}
.hero .slide .wrap{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,560px) 1fr;align-items:center;min-height:clamp(520px,60vw,640px);padding-block:44px}
.hero .box{background:#fff;color:var(--navy);border-radius:var(--r-lg);padding:clamp(28px,4vw,48px);box-shadow:var(--sh-lg);transform:translateY(16px);opacity:0;transition:transform .9s var(--ease) .2s,opacity .9s var(--ease) .2s}
.hero .slide.on .box{transform:none;opacity:1}
.hero .box .pill{margin-bottom:18px}
.hero h1,.hero .hh{font-size:clamp(30px,3.8vw,46px);line-height:1.12}
.hero h1 em,.hero .hh em{font-style:normal;color:var(--aqua-ink)}
.hero .box p{color:var(--muted);margin-top:16px;font-size:16px;max-width:46ch}
.hero .box .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px;align-items:center}
.hero .box .call{display:inline-flex;flex-direction:column;text-decoration:none;font-family:var(--head);font-weight:600;font-size:15px;padding:6px 10px;color:var(--navy)}
.hero .box .call small{font:500 12px var(--body);color:var(--muted)}
.hero .ctrl{position:absolute;bottom:22px;left:50%;transform:translateX(-50%);z-index:3;display:flex;gap:8px;align-items:center}
.hero .ctrl button{width:10px;height:10px;border-radius:5px;border:0;background:rgba(255,255,255,.55);cursor:pointer;padding:0;transition:width .3s var(--ease),background .3s}
.hero .ctrl button[aria-current="true"]{width:28px;background:var(--aqua)}
.hero .arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:3;width:44px;height:44px;border-radius:50%;border:0;background:rgba(255,255,255,.92);color:var(--navy);display:grid;place-items:center;cursor:pointer;box-shadow:var(--sh)}
.hero .arrow.l{left:16px}.hero .arrow.r{right:16px}
.hero .arrow svg{width:18px;height:18px}
@media (max-width:860px){.hero .slide::before{background:linear-gradient(180deg,var(--teal) 0%,var(--teal) 30%,rgba(88,136,151,.45) 100%)}.hero .slide .wrap{grid-template-columns:1fr;align-content:end}.hero .arrow{display:none}}

/* trust strip */
.trust{background:var(--navy);color:var(--on-dark-muted);font-size:13.5px}
.trust .wrap{display:flex;flex-wrap:wrap;gap:10px 34px;justify-content:center;padding-block:14px}
.trust span{display:inline-flex;gap:8px;align-items:center}
.trust svg{width:15px;height:15px;color:var(--aqua)}
.trust b{color:#fff;font-weight:600}

/* value cards */
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.vals{grid-template-columns:1fr}}
.val{padding:30px 28px;display:grid;gap:12px;align-content:start;transition:transform .35s var(--ease),box-shadow .35s}
.val:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.val .ic{width:52px;height:52px;border-radius:14px;background:var(--mint);display:grid;place-items:center;color:var(--aqua-ink)}
.val .ic svg{width:24px;height:24px}
.val h3{font-size:21px}
.val p{color:var(--muted);font-size:15px}

/* about */
.about .two{display:grid;grid-template-columns:1fr 1.15fr;gap:clamp(32px,6vw,80px);align-items:center}
@media (max-width:900px){.about .two{grid-template-columns:1fr}}
.about .photo{position:relative;padding-bottom:36px;padding-right:36px}
.about .photo .img{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:1/1;box-shadow:var(--sh-lg)}
.about .photo img{width:100%;height:100%;object-fit:cover}
.about .est{position:absolute;right:0;bottom:0;background:var(--navy);color:#fff;border-radius:var(--r);padding:20px 26px;text-align:center;box-shadow:var(--sh-lg)}
.about .est b{display:block;font-family:var(--head);font-size:30px;color:var(--aqua);line-height:1}
.about .est small{display:block;font:600 11px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;margin-top:8px;color:var(--on-dark)}
.about .text{display:grid;gap:18px;justify-items:start}
.about .text p{color:var(--muted)}
.about .ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;margin-top:6px;width:100%}
@media (max-width:520px){.about .ticks{grid-template-columns:1fr}}
.about .ticks span{display:flex;gap:10px;align-items:center;font-weight:600;font-size:15px;color:var(--navy)}
.about .ticks svg{width:18px;height:18px;color:var(--aqua-ink);flex:none}

/* services */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:1000px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:540px){.svc-grid{grid-template-columns:1fr}}
.svc{padding:26px 24px 24px;display:grid;gap:12px;align-content:start;text-decoration:none;position:relative;transition:transform .35s var(--ease),box-shadow .35s,border-color .35s}
.svc:hover{transform:translateY(-5px);box-shadow:var(--sh);border-color:#BFEDE6}
.svc .ic{width:70px;height:70px;border-radius:16px;background:var(--mint);display:grid;place-items:center;overflow:hidden}
.svc .ic{color:var(--aqua-ink)}
.svc .ic svg{width:40px;height:40px}
.svc:hover .ic{background:var(--navy);color:#fff}
.svc h3{font-size:20px;line-height:1.2}
.svc p{color:var(--muted);font-size:14.5px}
.svc .fund{font-size:12.5px;color:var(--faint)}
.svc .fund b{color:var(--aqua-ink);font-weight:600}
.svc .more{margin-top:4px;font-family:var(--head);font-weight:600;font-size:14px;color:var(--navy);display:inline-flex;gap:6px;align-items:center}
.svc .more svg{width:14px;height:14px;transition:transform .3s var(--ease)}
.svc:hover .more svg{transform:translateX(4px)}

/* CTA band */
.band{margin-top:clamp(40px,5vw,64px);background:linear-gradient(115deg,var(--navy) 0%,var(--navy-2) 55%,var(--royal) 100%);color:#fff;border-radius:var(--r-lg);padding:clamp(28px,4vw,44px) clamp(24px,4vw,48px);display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;box-shadow:var(--sh-lg)}
.band h3{color:#fff;font-size:clamp(22px,2.6vw,30px)}
.band p{color:var(--on-dark-muted);margin-top:8px;max-width:52ch}

/* process */
.proc .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,5vw,72px);align-items:center}
@media (max-width:900px){.proc .wrap{grid-template-columns:1fr}}
.steps{display:grid;gap:14px}
.step{display:grid;grid-template-columns:48px 1fr;gap:16px;padding:20px 22px;align-items:start;transition:transform .3s var(--ease),box-shadow .3s}
.step:hover{transform:translateX(4px);box-shadow:var(--sh)}
.step .n{width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--aqua);font-family:var(--head);font-weight:700;display:grid;place-items:center;font-size:15px}
.step h3{font-size:18px}
.step .when{font:600 11.5px/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:var(--aqua-ink);margin:4px 0 6px;display:block}
.step p{color:var(--muted);font-size:14.5px}
.proc .photo{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);aspect-ratio:4/3.6}
.proc .photo img{width:100%;height:100%;object-fit:cover}

/* tools */
.tools .grid{display:grid;grid-template-columns:1.2fr .8fr;gap:20px}
@media (max-width:900px){.tools .grid{grid-template-columns:1fr}}
.tool{padding:clamp(22px,3vw,32px);display:grid;gap:16px;align-content:start}
.tool h3{font-size:22px}
.tool .sub{color:var(--muted);font-size:14.5px;margin-top:4px}
.q{display:grid;gap:10px;padding:14px 0;border-top:1px solid var(--line)}
.q .qt{font-weight:600;font-size:15.5px;color:var(--navy)}
.q .opts{display:flex;gap:8px;flex-wrap:wrap}
.opt{border:1.5px solid var(--line-2);background:#fff;border-radius:999px;padding:9px 16px;font-size:14px;font-weight:500;cursor:pointer;transition:all .2s}
.opt:hover{border-color:var(--navy)}
.opt[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.verdict{border-radius:var(--r);padding:20px 22px;display:grid;gap:8px;background:var(--bg);transition:background .4s}
.verdict.good{background:var(--mint)}.verdict.maybe{background:#FFF4E5}
.verdict b{font-family:var(--head);font-size:16px;color:var(--navy)}
.verdict p{color:var(--muted);font-size:14.5px}
.verdict .btn{justify-self:start;margin-top:6px;padding:11px 18px;font-size:14px}
.sub-in input{width:100%;border:1.5px solid var(--line-2);border-radius:12px;padding:13px 16px;font-size:16px;background:#fff}
.sub-in input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(0,14,68,.08)}
.sub-out{min-height:48px;font-size:14.5px;color:var(--muted);display:flex;align-items:center;gap:10px}
.sub-out b{color:var(--navy)}
.sub-out .tag{font:700 11px/1 var(--body);letter-spacing:.06em;text-transform:uppercase;padding:6px 9px;border-radius:6px;background:var(--mint);color:var(--aqua-ink);flex:none}
.sub-out .tag.no{background:#FFF4E5;color:#8A3F1E}
.check label{display:flex;gap:12px;align-items:flex-start;padding:11px 0;border-top:1px solid var(--line);font-size:14.5px;cursor:pointer}
.check label:first-child{border-top:0}
.check input{width:19px;height:19px;margin:1px 0 0;accent-color:var(--navy);flex:none}
.check small{display:block;color:var(--faint);font-size:12.5px}
.check label.done span{color:var(--faint);text-decoration:line-through}
.chipx{font-size:12.5px;font-weight:500;padding:5px 10px;border-radius:999px;background:var(--bg);border:1px solid var(--line);color:var(--muted)}
.chipx.m{background:var(--mint);color:var(--aqua-ink);border-color:transparent;font-weight:600}

/* proof */
.proof-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:20px;align-items:start}
@media (max-width:900px){.proof-grid{grid-template-columns:1fr}}
.promise{padding:clamp(24px,3vw,34px);display:grid;gap:14px}
.promise h3{font-size:22px}
.promise ol{margin:0;padding:0;list-style:none;display:grid;gap:12px;counter-reset:p}
.promise li{display:grid;grid-template-columns:34px 1fr;gap:12px;align-items:start;font-size:15px;color:var(--text)}
.promise li::before{counter-increment:p;content:counter(p);width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--aqua);font-family:var(--head);font-weight:700;font-size:13px;display:grid;place-items:center}
.promise li b{display:block;font-family:var(--head);font-weight:600;color:var(--navy)}
.promise li span{color:var(--muted);font-size:14px}
.creds{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.cred{padding:18px;display:grid;gap:6px;text-align:left}
.cred b{font-family:var(--head);font-size:15px;color:var(--navy);line-height:1.25}
.cred span{font-size:13px;color:var(--muted)}
.cred .k{font:700 10.5px/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:var(--aqua-ink)}
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
@media (max-width:900px){.quotes{grid-template-columns:1fr}}
.quote{padding:26px;display:grid;gap:14px;align-content:start;position:relative}
.quote .stars{color:#F5B83D;letter-spacing:2px;font-size:15px}
.quote blockquote{margin:0;font-size:16px;line-height:1.55;color:var(--text)}
.quote .who{font-size:13.5px;color:var(--muted)}.quote .who b{display:block;color:var(--navy);font-family:var(--head);font-weight:600}
.ph-tag{position:absolute;top:12px;right:12px;font:700 10px/1 var(--body);letter-spacing:.1em;text-transform:uppercase;background:#FFE9DB;color:#8A3F1E;padding:5px 8px;border-radius:5px}
/* vision */
.vmv{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.vmv{grid-template-columns:1fr}}
.vm{padding:30px 28px;display:grid;gap:12px;align-content:start;border-top:4px solid var(--aqua)}
.vm .k{font:700 11.5px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--aqua-ink)}
.vm h3{font-size:22px}
.vm p{color:var(--muted);font-size:15px}
.vm ul{margin:0;padding:0;list-style:none;display:grid;gap:8px;font-size:14.5px}
.vm li{display:flex;gap:9px;align-items:flex-start}
.vm li svg{width:16px;height:16px;color:var(--aqua-ink);flex:none;margin-top:3px}
.vm li b{color:var(--navy)}
/* story */
.story{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff;margin-top:26px}
@media (max-width:900px){.story{grid-template-columns:1fr}}
.story div{padding:26px 28px;border-right:1px solid var(--line)}
.story div:last-child{border-right:0;background:var(--mint)}
@media (max-width:900px){.story div{border-right:0;border-bottom:1px solid var(--line)}}
.story .k{font:700 11.5px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--aqua-ink);display:block;margin-bottom:10px}
.story h3{font-size:19px;margin-bottom:8px}
.story p{color:var(--muted);font-size:14.5px}
/* why */
.why .wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(32px,5vw,72px);align-items:center}
@media (max-width:900px){.why .wrap{grid-template-columns:1fr}}
.why .text p{color:var(--muted);margin-top:16px}
.why .text .btn{margin-top:26px}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:520px){.why-grid{grid-template-columns:1fr}}
.why-card{padding:24px;display:grid;gap:10px;align-content:start;transition:transform .35s var(--ease),box-shadow .35s}
.why-card:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.why-card .ic{width:46px;height:46px;border-radius:12px;background:var(--sky);color:var(--royal);display:grid;place-items:center}
.why-card .ic svg{width:22px;height:22px}
.why-card h3{font-size:18px}
.why-card p{color:var(--muted);font-size:14px}

/* locations */
.locs{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:900px){.locs{grid-template-columns:1fr}}
.loc{padding:30px 28px;display:grid;gap:12px;align-content:start;justify-items:start}
.loc h3{font-size:26px}
.loc p{color:var(--muted);font-size:15px}
.loc .subs{display:flex;flex-wrap:wrap;gap:6px;margin-top:4px}

/* referral band */
.refband{background:linear-gradient(115deg,var(--navy) 0%,var(--navy-2) 55%,var(--royal) 100%);color:#fff;border-radius:var(--r-lg);padding:clamp(28px,4vw,52px);display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center;box-shadow:var(--sh-lg)}
@media (max-width:760px){.refband{grid-template-columns:1fr}}
.refband h2{color:#fff;font-size:clamp(28px,3.4vw,40px)}
.refband p{color:var(--on-dark-muted);margin-top:12px;max-width:52ch}
.refband .phone{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:22px 28px;text-align:center;display:grid;gap:10px;justify-items:center}
.refband .phone small{font:700 11px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--aqua)}
.refband .phone b{font-family:var(--head);font-size:28px;letter-spacing:-.01em;user-select:all}

/* faq */
.faqs{max-width:820px;margin-inline:auto;display:grid;gap:12px}
.faqs details{background:#fff;border:1px solid var(--line);border-radius:var(--r);transition:border-color .3s,box-shadow .3s}
.faqs details[open]{border-color:var(--aqua);box-shadow:var(--sh)}
.faqs summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:20px 22px;font-family:var(--head);font-weight:600;font-size:17px;color:var(--navy)}
.faqs summary::-webkit-details-marker{display:none}
.faqs details[open] summary{color:var(--aqua-ink)}
.faqs summary i{width:28px;height:28px;border-radius:50%;background:var(--bg);display:grid;place-items:center;flex:none;font-style:normal;font-weight:700;transition:transform .3s var(--ease),background .3s}
.faqs details[open] summary i{transform:rotate(45deg);background:var(--aqua);color:var(--navy)}
.faqs .a{padding:0 22px 22px;color:var(--muted);font-size:15px;display:grid;gap:10px}
.faqs .a ul{margin:0;padding-left:18px}
.faqs .a b{color:var(--text)}

/* contact */
.contact .grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:20px;align-items:stretch}
@media (max-width:900px){.contact .grid{grid-template-columns:1fr}}
.cdet{background:var(--navy);color:#fff;border-radius:var(--r-lg);padding:clamp(24px,3vw,36px);display:grid;gap:22px;align-content:start}
.cdet h3{color:#fff;font-size:26px}
.cdet>p{color:var(--on-dark-muted);font-size:15px}
.cdet .row{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:center}
.cdet .row i{width:44px;height:44px;border-radius:12px;background:rgba(0,219,197,.14);display:grid;place-items:center;color:var(--aqua)}
.cdet .row svg{width:20px;height:20px}
.cdet .row small{display:block;font:700 11px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--on-dark-muted);margin-bottom:4px}
.cdet .row b{font-weight:600;font-size:16px;user-select:all}
.cdet .assure{display:grid;gap:8px;font-size:13.5px;color:var(--on-dark-muted);border-top:1px solid rgba(255,255,255,.12);padding-top:18px}
.cdet .assure span{display:flex;gap:9px;align-items:flex-start}
.cdet .assure svg{width:15px;height:15px;color:var(--aqua);flex:none;margin-top:3px}
.form{padding:clamp(24px,3vw,36px)}
.form h3{font-size:26px}
.form .sub{color:var(--muted);font-size:15px;margin:6px 0 20px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:560px){.form .row{grid-template-columns:1fr}}
.field{display:grid;gap:6px;margin-bottom:12px}
.field label{font-size:13.5px;font-weight:600;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;border:1.5px solid var(--line-2);background:#fff;border-radius:12px;padding:13px 14px;font-size:15px;transition:border-color .2s,box-shadow .2s}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 4px rgba(0,14,68,.08)}
.form .who{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}
.form .who .opt{flex:1 1 110px;text-align:center}
.form .btn{width:100%;margin-top:6px;padding:16px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--muted);margin:4px 0 10px;cursor:pointer}
.consent input{width:18px;height:18px;margin:2px 0 0;accent-color:var(--navy);flex:none}
.consent a{color:var(--aqua-ink);font-weight:600}
.consent.err span{color:#B3261E}
.form .priv{font-size:12.5px;color:var(--faint);margin-top:12px;text-align:center}
.form .sent{display:none;padding:20px 0;text-align:center}
.form .sent.on{display:block}
.form .sent h4{font-size:22px;margin:12px 0 6px}
.form .sent p{color:var(--muted)}

/* footer */
footer{background:#000826;color:var(--on-dark-muted);font-size:14.5px}
footer .wrap{padding-block:60px 28px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
@media (max-width:900px){.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.fgrid{grid-template-columns:1fr}}
footer .fh{letter-spacing:0;line-height:1.3;color:#fff;font-size:17px;margin-bottom:14px;position:relative;padding-bottom:10px}
footer .fh::after{content:"";position:absolute;left:0;bottom:0;width:28px;height:2px;background:var(--aqua)}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
footer a{text-decoration:none;color:var(--on-dark-muted)}
footer a:hover{color:var(--aqua)}
footer .logo img{height:52px;width:auto}
.fbadge{display:inline-block;border:1px solid rgba(0,219,197,.55);color:var(--aqua);padding:6px 12px;border-radius:999px;font:700 11px/1 var(--body);letter-spacing:.08em;text-transform:uppercase;margin-top:14px}
.fcall{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--r);padding:18px;text-align:center;display:grid;gap:12px;margin-top:14px;justify-items:center}
.ack{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);font-size:13px;max-width:80ch;line-height:1.6}
.legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-top:22px;font-size:13px;padding-top:18px;border-top:1px solid rgba(255,255,255,.1)}

/* mobile bar + top */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:rgba(255,255,255,.94);backdrop-filter:blur(18px);border-top:1px solid var(--line);padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));gap:10px}
.mbar .btn{flex:1;padding:13px 10px;font-size:14px}
@media (max-width:760px){.mbar{display:flex}body{padding-bottom:74px}}
.totop{position:fixed;right:22px;bottom:calc(22px + env(safe-area-inset-bottom,0px));z-index:65;width:46px;height:46px;border-radius:50%;background:var(--aqua);color:var(--navy);border:0;display:grid;place-items:center;cursor:pointer;box-shadow:var(--sh);opacity:0;transform:translateY(10px);transition:opacity .3s,transform .3s var(--ease)}
.totop.show{opacity:1;transform:none}
@media (max-width:760px){.totop{bottom:calc(88px + env(safe-area-inset-bottom,0px))}}

[hidden]{display:none!important}
.maps{align-items:start}

/* ================= multi-page additions ================= */
body{margin:0}
.nav-links a[aria-current="page"]{color:var(--aqua-ink)}
.nav-links a[aria-current="page"]::after{transform:scaleX(1)}

/* personality: handwritten notes */
.hand{font-family:"Caveat","Segoe Print","Bradley Hand",cursive;font-weight:600;font-size:22px;line-height:1.1;color:var(--aqua-ink);display:inline-flex;align-items:center;gap:6px;transform:rotate(-3deg);white-space:nowrap}
.hand svg{width:34px;height:22px;flex:none;color:var(--aqua-ink)}
.on-dark .hand,.page-hero .hand{color:var(--aqua)}
.on-dark .hand svg,.page-hero .hand svg{color:var(--aqua)}
html.hc .hand{color:#000}

/* personality: ribbon thread (drawn from the logo's heart ribbon) */
.thread{position:absolute;left:0;right:0;width:100%;height:auto;pointer-events:none;overflow:visible}
.thread path{fill:none;stroke-linecap:round;stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset 2.6s var(--ease)}
.thread.in path{stroke-dashoffset:0}
.thread .t1{stroke:var(--aqua);stroke-width:2.5;opacity:.55}
.thread .t2{stroke:#7FC4D3;stroke-width:1.5;opacity:.45;transition-delay:.25s}
html.calm .thread path{transition:none;stroke-dashoffset:0}

/* personality: logo heartbeat */
@keyframes beat{0%,100%{transform:scale(1)}20%{transform:scale(1.06)}40%{transform:scale(.99)}60%{transform:scale(1.04)}}
.logo:hover img{animation:beat 1s var(--ease)}
html.calm .logo:hover img{animation:none}

/* live phone status */
.pstat{display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:600}
.pstat i{width:8px;height:8px;border-radius:50%;background:#9AA3B8;flex:none}
.pstat.open i{background:#1FD18B;box-shadow:0 0 0 0 rgba(31,209,139,.6);animation:pulse 2.2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(31,209,139,.55)}70%{box-shadow:0 0 0 8px rgba(31,209,139,0)}100%{box-shadow:0 0 0 0 rgba(31,209,139,0)}}
.topbar .pstat{color:var(--on-dark-muted)}
html.calm .pstat.open i{animation:none}

/* page hero (inner pages) */
.page-hero{position:relative;overflow:hidden;background:linear-gradient(115deg,var(--navy) 0%,var(--navy-2) 55%,var(--royal) 100%);color:#fff;padding-block:clamp(52px,7vw,96px) clamp(64px,8vw,110px)}
.page-hero .thread{bottom:-6px}
.page-hero .wrap{position:relative;z-index:1}
.crumbs{display:flex;gap:8px;flex-wrap:wrap;font-size:13.5px;color:var(--on-dark-muted);margin-bottom:22px}
.crumbs a{color:var(--on-dark-muted);text-decoration:none}
.crumbs a:hover{color:#fff}
.crumbs span[aria-current]{color:#fff}
.page-hero .pill{background:rgba(0,219,197,.14);color:var(--aqua)}
.page-hero h1{color:#fff;font-size:clamp(34px,5vw,58px);line-height:1.08;margin-top:16px;max-width:18ch}
.page-hero h1 em{font-style:normal;color:var(--aqua)}
.page-hero .lead{color:var(--on-dark-muted);margin-top:18px;max-width:60ch;font-size:18px}
.page-hero .acts{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:28px}
.page-hero .btn-line{color:#fff;border-color:rgba(255,255,255,.3)}
.page-hero .btn-line:hover{border-color:#fff}
.page-hero .grid2{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}
@media (max-width:900px){.page-hero .grid2{grid-template-columns:1fr}}
.hero-icon{width:clamp(140px,18vw,200px);aspect-ratio:1;border-radius:36px;background:#fff;display:grid;place-items:center;color:var(--aqua-ink);box-shadow:var(--sh-lg);justify-self:end;position:relative}
.hero-icon svg{width:58%;height:58%}
.hero-icon .hand{position:absolute;right:calc(100% + 10px);bottom:18px;transform:rotate(-6deg)}
@media (max-width:900px){.hero-icon .hand{right:auto;left:calc(100% + 14px);bottom:auto;top:40%}}
@media (max-width:520px){.hero-icon .hand{left:0;top:auto;bottom:-46px}}
@media (max-width:900px){.hero-icon{justify-self:start}}

/* prose */
.prose{max-width:72ch}
.prose p,.prose li{color:#34405F;font-size:17px;line-height:1.75}
.prose p+p{margin-top:14px}
.prose h2{font-size:clamp(24px,2.6vw,30px);margin:40px 0 12px}
.prose h3{font-size:19px;margin:26px 0 8px}
.prose ul,.prose ol{padding-left:22px;display:grid;gap:8px;margin:12px 0}
.prose b,.prose strong{color:var(--text)}
.prose blockquote{margin:24px 0;padding:18px 22px;border-left:4px solid var(--aqua);background:var(--mint);border-radius:0 14px 14px 0;color:var(--navy);font-size:18px}
.prose a{color:var(--aqua-ink);font-weight:600}

/* split + side card */
.split{display:grid;grid-template-columns:1fr 360px;gap:clamp(28px,5vw,64px);align-items:start}
.split>*{min-width:0}
@media (max-width:980px){.split{grid-template-columns:1fr}}
.side{position:sticky;top:110px;display:grid;gap:16px}
@media (max-width:980px){.side{position:static}}
.side .card{padding:24px}
.side h3{font-size:18px}
.side .k{font:700 11px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--aqua-ink);display:block;margin-bottom:8px}
.side p{color:var(--muted);font-size:14.5px;margin-top:6px}
.side .dark{background:var(--navy);color:#fff;border-radius:var(--r);padding:24px;display:grid;gap:12px}
.side .dark h3{color:#fff}
.side .dark p{color:var(--on-dark-muted)}
.side .dark .num{font-family:var(--head);font-size:24px;font-weight:700;user-select:all}
.checks{list-style:none;padding:0;margin:14px 0 0;display:grid;gap:12px}
.checks li{display:block;position:relative;padding-left:38px;min-height:26px;font-size:16px;color:var(--text);line-height:1.5}
.checks li::before{content:"";position:absolute;left:0;top:0;width:26px;height:26px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230A7C71' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/14px no-repeat}
.checks li span{color:var(--muted);display:block;font-size:14.5px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:12px 28px}
@media (max-width:640px){.two-col{grid-template-columns:1fr}}

/* mini steps */
.mini-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:18px}
@media (max-width:760px){.mini-steps{grid-template-columns:1fr}}
.mini-steps .card{padding:22px;display:grid;gap:8px}
.mini-steps b{font-family:var(--head);color:var(--navy);font-size:16px}
.mini-steps .n{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--aqua);display:grid;place-items:center;font:700 13px var(--head)}
.mini-steps p{color:var(--muted);font-size:14.5px}

/* related */
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:860px){.related{grid-template-columns:1fr}}
.related a{display:grid;grid-template-columns:52px 1fr;gap:14px;align-items:center;padding:18px;text-decoration:none;transition:transform .3s var(--ease),box-shadow .3s}
.related a:hover{transform:translateY(-3px);box-shadow:var(--sh)}
.related .ic{width:52px;height:52px;border-radius:14px;background:var(--mint);display:grid;place-items:center;color:var(--aqua-ink)}
.related .ic svg{width:30px;height:30px}
.related b{font-family:var(--head);color:var(--navy);display:block}
.related small{color:var(--muted);font-size:13px}

/* funding explainer */
.fund3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:900px){.fund3{grid-template-columns:1fr}}
.fund3 .card{padding:26px;display:grid;gap:10px;align-content:start;border-top:4px solid var(--aqua)}
.fund3 .k{font:700 11px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--aqua-ink)}
.fund3 h3{font-size:20px}
.fund3 p{color:var(--muted);font-size:15px}
.fund3 .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:4px}
.fund3 .tags a{font-size:12.5px;font-weight:600;padding:5px 10px;border-radius:999px;background:var(--bg);border:1px solid var(--line);color:var(--navy);text-decoration:none}
.fund3 .tags a:hover{border-color:var(--aqua)}

/* goal matcher */
.match{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(20px,4vw,48px);padding:clamp(22px,3vw,36px)}
@media (max-width:900px){.match{grid-template-columns:1fr}}
.match .goals{display:grid;gap:8px;margin-top:16px}
.match .goals .opt{text-align:left;border-radius:12px;padding:12px 16px}
.match .res{background:var(--bg);border-radius:var(--r);padding:22px;display:grid;gap:12px;align-content:start}
.match .res a.row{display:grid;grid-template-columns:44px 1fr;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px;text-decoration:none;animation:up .45s var(--ease) both}
.match .res a.row:nth-child(3){animation-delay:.07s}.match .res a.row:nth-child(4){animation-delay:.14s}
.match .res .ic{width:44px;height:44px;border-radius:12px;background:var(--mint);display:grid;place-items:center;color:var(--aqua-ink)}
.match .res .ic svg{width:26px;height:26px}
.match .res b{font-family:var(--head);color:var(--navy);font-size:15px}
.match .res small{display:block;color:var(--muted);font-size:13px}

/* maps */
.maps{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:900px){.maps{grid-template-columns:1fr}}
.map-card{padding:0;overflow:hidden;display:grid}
.map-card header{padding:22px 24px 0;display:grid;gap:6px}
.map-card header .pill{justify-self:start}
.map-card h3{font-size:24px}
.map-card header p{color:var(--muted);font-size:14.5px}
.cov-map{display:block;width:100%;height:auto;max-width:100%}
.cov-map .land{fill:#F1F5F9}
.cov-map .water{fill:#D6ECF5}
.cov-map .river{fill:none;stroke:#BFE0EE;stroke-width:5;stroke-linecap:round;stroke-linejoin:round}
.cov-map .glow{fill:url(#covGlow)}
.cov-map .dot{fill:var(--teal);opacity:.7;transition:r .25s var(--ease),opacity .25s,fill .25s;cursor:pointer}
.cov-map .dot:hover,.cov-map .dot.hit{fill:var(--aqua-ink);opacity:1;r:7}
.cov-map .hq{fill:var(--navy)}
.cov-map .hq-ring{fill:none;stroke:var(--aqua);stroke-width:2;transform-box:fill-box;transform-origin:center;animation:ring 2.4s var(--ease) infinite}
@keyframes ring{0%{transform:scale(.6);opacity:1}100%{transform:scale(2.4);opacity:0}}
html.calm .cov-map .hq-ring{animation:none;opacity:.5}
.cov-map .lbl{font:600 13px var(--body);fill:#5A6B8C;paint-order:stroke;stroke:#F1F5F9;stroke-width:4px;stroke-linejoin:round}
.cov-map .lbl.major{font:700 14px var(--head);fill:var(--navy)}
.cov-map .lbl.water-l{fill:#6A9FB8;font-style:italic;stroke:#D6ECF5}
.cov-map .home{font-family:"Caveat",cursive;font-size:22px;font-weight:600;fill:var(--aqua-ink);stroke:#F1F5F9;stroke-width:5px;paint-order:stroke}
.map-foot{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;padding:14px 24px 20px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
.map-foot b{color:var(--navy)}
.map-foot .hov{min-height:1.4em;font-weight:600;color:var(--aqua-ink)}

/* blog */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:980px){.posts{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.posts{grid-template-columns:1fr}}
.post{display:grid;text-decoration:none;overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s}
.post:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.post .cover{aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy),var(--royal));position:relative;overflow:hidden;display:grid;place-items:center;color:#fff}
.post .cover svg.big{width:64px;height:64px;color:#fff;opacity:.95;position:relative;z-index:1}
.post .cover .thread{top:30%;opacity:.8}
.post .body{padding:22px;display:grid;gap:10px;align-content:start}
.post .meta{font-size:12.5px;color:var(--faint);display:flex;gap:10px;flex-wrap:wrap}
.post .meta b{color:var(--aqua-ink);font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:11px}
.post h3{font-size:20px;line-height:1.25}
.post p{color:var(--muted);font-size:14.5px}
.post .more{font-family:var(--head);font-weight:600;font-size:14px;color:var(--navy)}
.post.feature{grid-column:1/-1;grid-template-columns:1.1fr 1fr}
.post.feature .cover{aspect-ratio:auto;min-height:280px}
.post.feature h3{font-size:clamp(24px,2.6vw,32px)}
@media (max-width:760px){.post.feature{grid-template-columns:1fr}.post.feature .cover{min-height:200px}}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:18px;color:var(--on-dark-muted);font-size:14px}
.article-meta b{color:#fff;font-weight:600}
.tldr{background:var(--mint);border-radius:var(--r);padding:20px 22px;margin-bottom:26px}
.tldr b{display:block;font-family:var(--head);color:var(--navy);margin-bottom:6px}
.tldr ul{margin:0;padding-left:20px;display:grid;gap:4px;color:var(--navy)}

/* careers */
.roles{display:grid;gap:14px}
.role{display:grid;grid-template-columns:56px 1fr auto;gap:18px;align-items:center;padding:20px 22px;transition:transform .3s var(--ease),box-shadow .3s}
.role:hover{transform:translateX(4px);box-shadow:var(--sh)}
.role .ic{width:56px;height:56px;border-radius:14px;background:var(--mint);display:grid;place-items:center;color:var(--aqua-ink)}
.role .ic svg{width:32px;height:32px}
.role h3{font-size:19px}
.role p{color:var(--muted);font-size:14.5px}
.role .tags{display:flex;gap:6px;flex-wrap:wrap;margin-top:6px}
.role .tags span{font-size:12px;font-weight:600;padding:4px 9px;border-radius:999px;background:var(--bg);color:var(--muted);border:1px solid var(--line)}
@media (max-width:640px){.role{grid-template-columns:48px 1fr}.role .btn{grid-column:1/-1}}

/* contact page */
.hours{display:grid;gap:8px;margin-top:6px;font-size:15px}
.hours div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px dashed var(--line);padding-bottom:6px}
.hours div.today{font-weight:700;color:var(--navy)}
.ways{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:900px){.ways{grid-template-columns:1fr}}
.ways .card{padding:22px;display:grid;gap:8px;align-content:start}
.ways h3{font-size:18px}
.ways p{color:var(--muted);font-size:14.5px}
.ways .num{font-family:var(--head);font-weight:700;color:var(--navy);font-size:18px;user-select:all}

/* referral wizard */
.wiz{padding:clamp(22px,3vw,36px)}
.wiz-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:26px;list-style:none;padding:0}
.wiz-steps li{display:grid;gap:8px;font-size:13px;font-weight:600;color:var(--faint)}
.wiz-steps li::before{content:"";height:5px;border-radius:3px;background:var(--line);transition:background .4s var(--ease)}
.wiz-steps li.done,.wiz-steps li.cur{color:var(--navy)}
.wiz-steps li.done::before,.wiz-steps li.cur::before{background:var(--aqua)}
@media (max-width:560px){.wiz-steps li span{display:none}}
.wiz fieldset{border:0;padding:0;margin:0;display:none}
.wiz fieldset.on{display:block;animation:up .5s var(--ease) both}
.wiz legend{font-family:var(--head);font-weight:700;font-size:24px;color:var(--navy);margin-bottom:6px;padding:0}
.wiz .sub{color:var(--muted);font-size:15px;margin-bottom:20px}
.wiz .chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:16px}
.wiz .nav{display:flex;justify-content:space-between;gap:10px;margin-top:22px;flex-wrap:wrap;align-items:center}
.wiz .nav .btn{padding:14px 26px}
.wiz .err-msg{color:#B3261E;font-size:14px;font-weight:600;min-height:1.3em}
.review{background:var(--bg);border-radius:var(--r);padding:18px 20px;display:grid;gap:6px;font-size:14.5px;margin:6px 0 16px}
.review div{display:grid;grid-template-columns:150px 1fr;gap:10px}
.review dt{color:var(--muted)}
.review b{color:var(--navy)}
@media (max-width:520px){.review div{grid-template-columns:1fr;gap:0}}
.done-screen{display:none;text-align:center;padding:12px 0}
.done-screen.on{display:block;animation:up .6s var(--ease) both}
.done-screen .ok{width:72px;height:72px;border-radius:50%;background:var(--mint);display:grid;place-items:center;margin:0 auto 14px;color:var(--aqua-ink)}
.done-screen h3{font-size:26px}
.done-screen p{color:var(--muted);margin-top:8px}
.done-screen ol{list-style:none;padding:0;margin:22px auto 0;max-width:460px;display:grid;gap:10px;text-align:left}
.done-screen li{display:grid;grid-template-columns:30px 1fr;gap:12px;align-items:start;font-size:15px}
.done-screen li b{width:30px;height:30px;border-radius:50%;background:var(--navy);color:var(--aqua);display:grid;place-items:center;font:700 12px var(--head)}

/* policy (privacy) */
.policy{display:grid;grid-template-columns:260px 1fr;gap:clamp(28px,5vw,64px)}
.policy>*{min-width:0}
@media (max-width:900px){.policy{grid-template-columns:1fr}}
.toc{position:sticky;top:110px;align-self:start;font-size:14px}
.toc b{display:block;font-family:var(--head);color:var(--navy);margin-bottom:10px}
.toc ol{list-style:none;margin:0;padding:0;display:grid;gap:2px;border-left:2px solid var(--line)}
.toc a{display:block;padding:6px 0 6px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--muted);font-weight:500;text-decoration:none}
.toc a:hover,.toc a.on{color:var(--navy);border-left-color:var(--aqua)}
@media (max-width:900px){.toc{position:static;background:var(--bg);border-radius:14px;padding:18px}}
.plain{background:var(--mint);border-left:4px solid var(--aqua);border-radius:14px;padding:22px 24px;margin-bottom:36px}
.plain h2{font-size:20px;margin-bottom:10px}
.plain ul{margin:0;padding:0;list-style:none;display:grid;gap:8px;font-size:16.5px}
.plain li{display:flex;gap:10px;align-items:flex-start}
.plain li svg{width:18px;height:18px;color:var(--aqua-ink);flex:none;margin-top:5px}
.policy article section{padding-bottom:30px;margin-bottom:30px;border-bottom:1px solid var(--line)}
.policy article section:last-child{border-bottom:0}
.policy article h2{font-size:clamp(22px,2.4vw,27px);margin-bottom:12px;display:flex;gap:12px;align-items:baseline}
.policy article h2 span{font:700 13px/1 var(--body);color:var(--aqua-ink);letter-spacing:.06em;min-width:24px}
.policy article h3{font-size:17px;margin:18px 0 6px}
.policy article p,.policy article li{color:#34405F;max-width:72ch}
.policy article p+p{margin-top:10px}
.policy article ul{padding-left:20px;margin:8px 0 0;display:grid;gap:6px}
.table-wrap{overflow-x:auto;margin-top:12px}
.table-wrap table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
.table-wrap th,.table-wrap td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.table-wrap th{font-family:var(--head);font-weight:600;color:var(--navy);background:var(--bg)}
.pcontact{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin-top:14px}
.pcontact div{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:16px 18px;font-size:14.5px}
.pcontact b{display:block;font-family:var(--head);color:var(--navy);font-size:15px;margin-bottom:4px}
.pcontact span{display:block;color:var(--muted)}
.pcontact .num{color:var(--text);font-weight:600;user-select:all}
.pnote{font-size:13.5px;color:var(--faint);margin-top:8px}

/* closing CTA band used on inner pages */
.closer{position:relative;overflow:hidden}
.closer .refband{position:relative}
.closer .thread{top:-20px;opacity:.9}
.band,.refband{position:relative;overflow:hidden}
.band .thread,.refband .thread{top:auto;bottom:-10px;opacity:.6}
.band>*:not(.thread),.refband>*:not(.thread){position:relative;z-index:1}

/* state maps */
.state-map .sea{fill:#E6F2F7}
.state-map .st.other{fill:#F3F6F9;stroke:#D5DEE8;stroke-width:1}
.state-map .st.focus{fill:#FFFFFF;stroke:var(--teal);stroke-width:1.6;stroke-linejoin:round}
.state-map .wm{font:700 15px var(--head);letter-spacing:.32em;fill:#C3CEDB}
.state-map .cover{fill:rgba(0,219,197,.28);stroke:var(--aqua-deep);stroke-width:1.5}
.state-map .zoomring{fill:none;stroke:var(--navy);stroke-width:1.2;stroke-dasharray:3 3;opacity:.55}
.state-map .lead{stroke:var(--navy);stroke-width:1.2;stroke-dasharray:3 4;opacity:.45}
.state-map .inset-bg{fill:#fff}
.state-map .inset-land{fill:#F4F8FA}
.state-map .inset-ring{fill:none;stroke:var(--navy);stroke-width:2}
.state-map .water{fill:#D6ECF5}
.state-map .river{stroke-width:3.5}
.state-map .lbl{font-size:11.5px;stroke:#F4F8FA}
.state-map .lbl.major{font-size:12.5px}
.state-map .home{font-size:21px;stroke:#E6F2F7}
.map-card h3{font-size:26px}

/* compact state maps */
.map-card .state-map{max-width:380px;margin:6px auto 0;width:100%}
.state-map .wm{font-size:11px;letter-spacing:.28em}
.state-map .lbl{font-size:10.5px;stroke-width:3.5px}
.state-map .lbl.major{font-size:11.5px}
.state-map .home{font-size:18px}
.state-map .hq-ring{stroke-width:1.6}
.state-map .dot:hover,.state-map .dot.hit{r:5}
.map-card .map-foot{margin-top:10px}
.reviewed{margin-top:22px;font-size:13.5px;color:var(--muted)}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
/* ---------- lead form v2 ---------- */
.lf-top{margin-bottom:24px}
.lf-bar{height:6px;border-radius:6px;background:var(--line);overflow:hidden}
.lf-bar i{display:block;height:100%;width:33.3%;background:linear-gradient(90deg,var(--aqua),var(--teal));border-radius:6px;transition:width .5s var(--ease)}
.lf-meta{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;margin-top:10px;font-size:13.5px;color:var(--muted)}
.lf-meta b{color:var(--navy)}
.lf legend:focus{outline:none}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:10px;margin-bottom:6px}
.tiles.who{grid-template-columns:repeat(3,1fr);margin-bottom:18px}
.opt.tile{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:center;text-align:left;border-radius:14px;padding:14px 16px;min-height:64px;font-size:15px;position:relative;color:var(--navy)}
.tiles.who .opt.tile{grid-template-columns:1fr;padding:16px 18px}
.opt.tile b{display:block;font-weight:600;font-size:15px;line-height:1.25}
.opt.tile small{display:block;color:var(--muted);font-size:12.5px;line-height:1.35;margin-top:2px;font-weight:400}
.opt.tile .ti{width:40px;height:40px;border-radius:10px;background:var(--mint);display:grid;place-items:center;color:var(--aqua-ink)}
.opt.tile .ti svg{width:28px;height:28px}
.opt.tile::after{content:"";position:absolute;top:10px;right:10px;width:18px;height:18px;border-radius:50%;border:1.5px solid var(--line-2);background:#fff}
.opt.tile:hover{border-color:var(--teal);background:#FBFEFE}
.opt.tile[aria-pressed="true"]{background:var(--mint);border-color:var(--aqua-ink);color:var(--navy);box-shadow:0 0 0 3px rgba(0,219,197,.18)}
.opt.tile[aria-pressed="true"] small{color:var(--aqua-ink)}
.opt.tile[aria-pressed="true"]::after{background:var(--aqua-ink) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat;border-color:var(--aqua-ink)}
.opt.tile[aria-pressed="true"] .ti{background:#fff}
@media (max-width:640px){.tiles{grid-template-columns:1fr 1fr}.tiles.who{grid-template-columns:1fr}.opt.tile{grid-template-columns:1fr;gap:8px;padding:12px 12px 12px}.opt.tile .ti{width:36px;height:36px}}
.lf .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:560px){.lf .row{grid-template-columns:1fr}}
.lf .field input,.lf .field select,.lf .field textarea{font-size:16px;min-height:50px}
.lf .field input[aria-invalid="true"]{border-color:#D14A36;background:#FFF8F6}
.fe{color:#B3261E;font-size:13.5px;font-weight:600;min-height:0;margin:0}
.fe:empty{display:none}
.ok-note{font-size:13.5px;color:var(--muted);margin:0}
.ok-note:empty{display:none}
.ok-note.yes{color:var(--aqua-ink);font-weight:600}
.opt-l{font-weight:400;color:var(--faint)}
.mini-l{font-weight:600;color:var(--navy);font-size:13.5px;margin:4px 0 8px}
.lf-more{border:1px dashed var(--line-2);border-radius:14px;padding:12px 16px;margin:14px 0 16px}
.lf-more summary{cursor:pointer;font-weight:600;color:var(--aqua-ink);font-size:14.5px;list-style:none}
.lf-more summary::-webkit-details-marker{display:none}
.lf-more summary::before{content:"+ ";font-weight:700}
.lf-more[open] summary::before{content:"– "}
.lf-more[open] summary{margin-bottom:14px}
.lf-back{background:none;border:0;color:var(--muted);font-weight:600;font-size:15px;cursor:pointer;padding:12px 4px}
.lf-back:hover{color:var(--navy)}
.lf .nav{justify-content:flex-end}
.lf .nav .err-msg{flex:1;text-align:right}
.lf .nav .lf-back{margin-right:auto}
.lf .nav .err-msg:empty{display:none}
@media (max-width:560px){.lf .nav .btn{flex:1;justify-content:center}.lf .nav .err-msg{flex-basis:100%;order:-1;text-align:left}}
.lf-trust{display:flex;gap:8px;align-items:center;flex-wrap:wrap;margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.lf-trust svg{color:var(--aqua-ink)}
.lf-trust a{color:var(--navy);font-weight:600}
.done-acts{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:24px}
.done-screen:focus{outline:none}
/* ---------- CTA system ---------- */
.val .go{display:inline-flex;gap:6px;align-items:center;margin-top:16px;font-weight:600;color:var(--aqua-ink);text-decoration:none}
.val .go:hover{gap:10px}
.val{display:flex;flex-direction:column}.val .go{margin-top:auto;padding-top:16px}
.cta-inline{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--mint);border:1px solid rgba(0,219,197,.35);border-radius:18px;padding:20px 24px;margin:34px 0 0}
.cta-inline b{display:block;font:700 19px/1.3 var(--head);color:var(--navy)}
.cta-inline p{margin:4px 0 0;color:var(--muted);font-size:14.5px}
.cta-inline .acts{display:flex;gap:10px;flex-wrap:wrap}
.cta-after{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:28px}
.cta-note{display:block;font-size:13px;color:var(--muted);margin-top:10px}
/* ---------- bottom lead section ---------- */
.lead-sec{background:var(--bg-2,#F7F9FC)}
.lead-grid{display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);gap:clamp(20px,3vw,40px);align-items:stretch}
@media (max-width:900px){.lead-grid{grid-template-columns:1fr}}
.cd{background:var(--navy);color:#C9D3EE;border-radius:24px;padding:clamp(28px,3.4vw,44px);display:flex;flex-direction:column;gap:18px;position:relative;overflow:hidden}
.cd h2{color:#fff;font-size:clamp(26px,2.6vw,32px)}
.cd>p{font-size:15.5px;line-height:1.65;margin:0}
.cd-list{list-style:none;padding:0;margin:8px 0 0;display:grid;gap:18px}
.cd-list li{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:center}
.cd-ic{width:42px;height:42px;border-radius:12px;background:rgba(0,219,197,.12);color:var(--aqua);display:grid;place-items:center}
.cd-list small{display:block;font:700 11.5px/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:#8E9BC2;margin-bottom:6px}
.cd-list a{color:#fff;font-weight:600;text-decoration:none;font-size:16px;overflow-wrap:anywhere}
.cd-list a:hover{color:var(--aqua)}
.cd-badge{margin-top:auto;align-self:flex-start;border:1px solid rgba(0,219,197,.55);color:var(--aqua);border-radius:999px;padding:6px 14px;font:700 11.5px/1 var(--body);letter-spacing:.06em;text-transform:uppercase}
.lead-form{display:flex;flex-direction:column;border-radius:24px}
.lead-form .lf-h{font-size:clamp(24px,2.4vw,30px)}
.lead-form .sub{color:var(--muted);margin:8px 0 20px}
.lead-form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.lead-form .row{grid-template-columns:1fr}}
.lead-form .field label span[aria-hidden]{color:var(--aqua-ink)}
.lead-form .field input,.lead-form .field select,.lead-form .field textarea{font-size:16px}
.lead-form .field input[aria-invalid="true"]{border-color:#D14A36;background:#FFF8F6}
.lf-submit{width:100%;justify-content:center;padding:16px 26px;margin-top:6px;font-size:16px}
.lead-form .priv{font-size:13.5px;color:var(--muted);text-align:center;margin-top:12px}
.lead-form .priv a{color:var(--aqua-ink);font-weight:600}
.lead-form .sent{text-align:center;padding:30px 0}
.lead-form .sent .ok{width:64px;height:64px;border-radius:50%;background:var(--mint);color:var(--aqua-ink);display:grid;place-items:center;margin:0 auto 14px}
.lead-form .sent-h{font:700 24px/1.2 var(--head);color:var(--navy)}
.lead-form .sent p{color:var(--muted);margin-top:8px}
.hand-link{text-decoration:none;color:inherit;display:inline-block}
.hand-link:hover .hand{text-decoration:underline;text-underline-offset:4px}
.topbar .ct a{display:inline-flex;align-items:center;gap:7px;color:#fff;text-decoration:none;font-weight:500}
.topbar .ct a:hover{color:var(--aqua)}
.topbar .ct>span{color:#fff}
@media (max-width:820px){.topbar .ct>*:nth-child(n+2){display:none}}
.pstat.hrs{font-size:13.5px}
.lf-proof{list-style:none;padding:0;margin:14px 0 0;display:flex;justify-content:center;gap:8px 18px;flex-wrap:wrap;font-size:13px;color:var(--navy);font-weight:500}
.lf-proof li{display:inline-flex;align-items:center;gap:6px}
.lf-proof li::before{content:"";width:16px;height:16px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230A7C71' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/10px no-repeat}
/* hero audience switch (replaces auto-rotating dots) */
.hero #dots{display:flex;gap:6px;background:rgba(0,14,68,.6);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);padding:5px;border-radius:999px;box-shadow:0 8px 24px rgba(0,14,68,.25)}
@media (min-width:900px){.hero #dots{top:26px;bottom:auto;left:auto;right:max(24px,calc((100vw - 1140px) / 2));transform:none}}
.hero #dots::before{content:"I'm a";color:#fff;font:600 12.5px/1 var(--body);align-self:center;padding:0 6px 0 10px;opacity:.85}
.hero #dots button{width:auto;height:auto;border-radius:999px;padding:9px 15px;background:transparent;color:#fff;font:600 13px/1 var(--body)}
.hero #dots button:hover{background:rgba(255,255,255,.14)}
.hero #dots button[aria-current="true"]{width:auto;background:var(--aqua);color:var(--navy)}
.hero #dots button[aria-current="true"]::after{display:none}
@media (max-width:560px){.hero #dots::before{display:none}.hero #dots button{padding:8px 11px;font-size:12.5px}}
/* ---------- referral page (mirrors live site flow) ---------- */
.gws{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.gws{grid-template-columns:1fr}}
.gw{padding:clamp(24px,3vw,32px);display:flex;flex-direction:column;gap:12px}
.gw-ic{width:60px;height:60px;border-radius:16px;background:var(--mint);color:var(--aqua-ink);display:grid;place-items:center}
.gw h3{font-size:21px}
.gw p{color:var(--muted);font-size:15px;flex:1}
.gw .btn{align-self:flex-start}
.ref-form{max-width:920px;margin:0 auto;padding:clamp(22px,4vw,48px);border-radius:24px}
.rs{border:0;margin:0 0 30px;padding:0 0 30px;border-bottom:1px solid var(--line)}
.rs legend{display:flex;align-items:center;gap:12px;font:700 clamp(19px,2vw,22px)/1.2 var(--head);color:var(--navy);margin-bottom:20px;padding:0}
.rs-n{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--aqua);display:grid;place-items:center;font-size:15px;flex:none}
.rs-sub{color:var(--muted);margin:-8px 0 14px;font-size:15px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:4px 18px}
@media (max-width:640px){.grid-2{grid-template-columns:1fr}}
.ref-form .field input,.ref-form .field select,.ref-form .field textarea{font-size:16px;min-height:50px}
.ref-form .field input[aria-invalid="true"],.ref-form .field select[aria-invalid="true"],.ref-form .field textarea[aria-invalid="true"]{border-color:#D14A36;background:#FFF8F6}
.req{color:var(--aqua-ink)}
.same-as{display:flex;gap:10px;align-items:center;background:var(--mint);border-radius:12px;padding:12px 14px;margin:-6px 0 16px;font-weight:600;color:var(--navy);font-size:14.5px;cursor:pointer}
.same-as input{width:18px;height:18px;accent-color:var(--aqua-ink)}
.svc-checks{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
@media (max-width:560px){.svc-checks{grid-template-columns:1fr}}
.svc-check{display:grid;grid-template-columns:22px 38px 1fr;gap:12px;align-items:center;border:1.5px solid var(--line-2);border-radius:14px;padding:12px 14px;cursor:pointer;font-weight:500;color:var(--navy);transition:border-color .2s,background .2s}
.svc-check:hover{border-color:var(--teal)}
.svc-check input{width:20px;height:20px;accent-color:var(--aqua-ink);margin:0}
.sc-ic{width:38px;height:38px;border-radius:10px;background:var(--mint);color:var(--aqua-ink);display:grid;place-items:center}
.svc-check:has(input:checked){border-color:var(--aqua-ink);background:var(--mint)}
.svc-check:has(input:checked) .sc-ic{background:#fff}
.ref-form .consent{font-size:14.5px;margin:6px 0 18px}
.ref-submit{display:flex;justify-content:flex-end;align-items:center;gap:16px;flex-wrap:wrap}
.ref-submit .btn{padding:16px 32px;font-size:16px}
.ref-submit .err-msg{color:#B3261E;font-weight:600;font-size:14px;flex:1}
.ref-submit .err-msg a{color:#B3261E}
@media (max-width:560px){.ref-submit .btn{width:100%;justify-content:center}}
.after4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:980px){.after4{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.after4{grid-template-columns:1fr}}
.after4 .card{padding:26px}
.after4 .n{font:700 34px/1 var(--head);color:var(--aqua-ink);display:block;margin-bottom:14px}
.after4 h3{font-size:19px}
.after4 p{color:var(--muted);font-size:14.5px;margin-top:8px}

/* ---------- Snapforms embeds (every form lives in Snapforms; built by js/site.js) ---------- */
.sf-embed .sf-mount{display:grid;gap:14px}
.sf-tabs{display:flex;gap:8px;flex-wrap:wrap;margin:0}
.sf-tabs .opt{flex:1 1 150px;display:grid;gap:3px;text-align:center;border-radius:16px;padding:11px 14px;color:var(--navy);line-height:1.25}
.sf-tabs .opt b{font-weight:600;font-size:14.5px}
.sf-tabs .opt small{font-size:12px;color:var(--muted);font-weight:400}
.sf-tabs .opt[aria-selected="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.sf-tabs .opt[aria-selected="true"] small{color:rgba(255,255,255,.78)}
.sf-tabs .opt:focus-visible{outline:3px solid var(--aqua);outline-offset:2px}
.sf-panel{position:relative;min-height:360px}
.sf-panel iframe{display:block;width:100%;max-width:100%;border:0}
.sf-loading{position:absolute;inset:0;display:grid;place-items:start center;padding-top:48px;color:var(--muted);font-size:14.5px;pointer-events:none;border-radius:16px;background:var(--bg,#F7F9FC)}
.sf-panel.ready .sf-loading{display:none}
.sf-noscript{font-size:14.5px;color:var(--muted)}
.sf-noscript a{color:var(--aqua-ink);font-weight:600}