:root{
  --bg:#f5f7fb;
  --ink:#0f172a;
  --muted:#475569;
  --soft:#e2e8f0;
  --blue:#1d4ed8;
  --blue2:#1e40af;
  --navy:#0f2f66;
  --navy2:#0f172a;
  --good:#0f766e;
  --warn:#b45309;
  --white:#fff;
  --shadow:0 22px 50px rgba(15,23,42,.18);
  --radius:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.5}
a{color:inherit;text-decoration:none}.container{max-width:1160px;margin:0 auto;padding:0 20px}.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--soft)}.topbar-inner{height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px}.brand-mark{width:42px;height:42px;border-radius:14px;background:var(--blue);display:grid;place-items:center;color:#fff;font-weight:900}.brand strong{display:block;font-size:17px}.brand span{display:block;color:#64748b;font-size:12px;margin-top:1px}.nav{display:flex;align-items:center;gap:18px;font-size:14px;color:#334155}.nav a:hover{color:var(--blue)}.nav-cta{background:var(--blue);color:#fff!important;padding:11px 16px;border-radius:14px;font-weight:800}.hero{background:linear-gradient(135deg,var(--navy),var(--blue2) 55%,var(--navy2));color:#fff;padding:52px 0}.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:36px;align-items:start}.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);font-size:14px;margin-bottom:18px}.hero h1{font-size:51px;line-height:1.05;margin:0;letter-spacing:-1.5px}.hero-lead{font-size:19px;line-height:1.7;color:#e0ecff;margin:22px 0 0;max-width:650px}.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:18px;padding:15px 20px;font-weight:900;font-size:16px;cursor:pointer;transition:.15s ease}.btn-primary{background:#fff;color:#1e3a8a;box-shadow:0 12px 24px rgba(0,0,0,.18)}.btn-primary:hover{background:#eef6ff}.btn-blue{background:var(--blue);color:#fff;width:100%;box-shadow:0 12px 24px rgba(29,78,216,.22)}.btn-blue:hover{background:#1e40af}.btn-outline{border:1px solid rgba(255,255,255,.34);color:#fff}.btn-outline:hover{background:rgba(255,255,255,.1)}.trust-pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.trust-pills span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);padding:8px 11px;border-radius:999px;font-size:14px;color:#dbeafe}.form-card{background:#fff;color:var(--ink);border-radius:30px;padding:26px;box-shadow:var(--shadow);position:relative}.form-card:before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--blue),#38bdf8);border-radius:30px 30px 0 0}.eyebrow{color:var(--blue);font-weight:900;text-transform:uppercase;letter-spacing:.08em;font-size:12px;margin:0 0 8px}.form-card h2,.section h2{margin:0;font-size:30px;line-height:1.15;letter-spacing:-.5px}.form-card p{color:var(--muted);font-size:15px;line-height:1.65;margin:10px 0 22px}.field{margin-bottom:14px}.field label{display:block;font-size:14px;font-weight:800;color:#334155;margin-bottom:7px}.field input,.field select,.field textarea{width:100%;border:1px solid #cbd5e1;border-radius:14px;padding:13px 12px;font-size:15px;font-family:inherit;background:#fff;color:var(--ink);outline:none;transition:.12s}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(29,78,216,.12)}textarea{min-height:104px;resize:vertical}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.legal-box{background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:12px;color:#475569;font-size:12px;line-height:1.55;margin:12px 0 14px}.legal-box a{text-decoration:underline;color:#1d4ed8}.legal-box input{margin-right:6px}.form-note{text-align:center;color:#64748b!important;font-size:12px!important;margin:12px 0 0!important}.error{display:none;background:#fff7ed;border:1px solid #fed7aa;color:#9a3412;border-radius:14px;padding:12px;margin:10px 0 14px;font-size:14px}.section{padding:58px 0}.section-title{max-width:760px}.section-title p{font-size:18px;color:var(--muted);line-height:1.75;margin:14px 0 0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}.card{background:#fff;border:1px solid #e2e8f0;border-radius:24px;padding:24px;box-shadow:0 10px 22px rgba(15,23,42,.04)}.num{width:46px;height:46px;border-radius:16px;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:900;font-size:18px;margin-bottom:16px}.card h3{margin:0;font-size:21px}.card p{color:var(--muted);line-height:1.7;margin-bottom:0}.white{background:#fff}.case-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:32px;align-items:start}.checks{display:grid;grid-template-columns:1fr 1fr;gap:13px}.check{background:#f8fafc;border:1px solid #e2e8f0;border-radius:18px;padding:15px 16px;font-weight:700;color:#334155}.check:before{content:"✓";color:var(--blue);font-weight:900;margin-right:8px}.warning{margin-top:18px;color:#92400e;background:#fffbeb;border:1px solid #fde68a;border-radius:18px;padding:15px 16px;font-weight:700}.blue-box{background:#dbeafe;border-radius:30px;padding:36px}.blue-box p{font-size:17px;color:#334155;line-height:1.75}.important{background:#fff;border:1px solid #e2e8f0;border-radius:26px;padding:30px}.important p{color:var(--muted);line-height:1.75}.footer{background:#020617;color:#cbd5e1;padding:32px 0;font-size:14px}.footer-inner{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer a{color:#e2e8f0;margin-left:16px}.page-hero{background:linear-gradient(135deg,#0f2f66,#0f172a);color:#fff;padding:56px 0}.page-hero h1{font-size:42px;margin:0}.legal-content{background:#fff;border:1px solid #e2e8f0;border-radius:28px;padding:34px;margin:40px auto;max-width:940px}.legal-content h2{font-size:24px;margin-top:26px}.legal-content p,.legal-content li{color:#475569;line-height:1.75}.success{min-height:70vh;display:grid;place-items:center;padding:40px 20px}.success-card{max-width:680px;background:#fff;border-radius:30px;border:1px solid #e2e8f0;padding:38px;text-align:center;box-shadow:var(--shadow)}.success-card h1{font-size:38px;margin:0}.success-card p{color:var(--muted);font-size:18px;line-height:1.7}.small-muted{font-size:13px;color:#64748b}.mobile-only{display:none}
@media(max-width:900px){.container{padding:0 16px}.nav{display:none}.mobile-only{display:block}.topbar-inner{height:64px}.hero{padding:32px 0}.hero-grid{grid-template-columns:1fr;gap:22px}.hero h1{font-size:35px;letter-spacing:-.8px}.hero-lead{font-size:17px;line-height:1.6}.hero-actions .btn{width:100%}.form-card{padding:22px 16px;border-radius:24px}.form-card h2,.section h2{font-size:26px}.grid-2{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.case-grid{grid-template-columns:1fr}.checks{grid-template-columns:1fr}.section{padding:44px 0}.badge{font-size:12px}.footer-inner{display:block}.footer a{display:block;margin:12px 0 0}.page-hero h1{font-size:34px}.legal-content{padding:24px;margin:24px 16px}.brand span{display:none}}


/* Blog */
.blog-hero{background:linear-gradient(135deg,#0f2f66,#0f172a);color:#fff;padding:54px 0}.blog-hero h1{font-size:44px;line-height:1.08;margin:0;letter-spacing:-1px}.blog-hero p{font-size:18px;line-height:1.7;color:#dbeafe;max-width:820px}.blog-layout{display:grid;grid-template-columns:1fr 320px;gap:28px;align-items:start}.blog-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.post-card{background:#fff;border:1px solid #e2e8f0;border-radius:24px;padding:22px;box-shadow:0 10px 22px rgba(15,23,42,.04)}.post-card .tag,.article .tag{display:inline-flex;background:#dbeafe;color:#1e40af;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.05em}.post-card h2{font-size:22px;margin:14px 0 8px;line-height:1.2}.post-card p{color:#475569;line-height:1.65}.post-card a.read{font-weight:900;color:#1d4ed8}.sidebar{position:sticky;top:92px;background:#fff;border:1px solid #e2e8f0;border-radius:24px;padding:22px}.sidebar h3{margin-top:0}.sidebar p,.sidebar li{color:#475569;line-height:1.65}.sidebar .btn{width:100%;margin-top:8px}.article{background:#fff;border:1px solid #e2e8f0;border-radius:28px;padding:38px;max-width:860px}.article h1{font-size:42px;line-height:1.08;margin:14px 0}.article .meta{color:#64748b;font-size:14px;margin-bottom:24px}.article h2{font-size:28px;margin-top:34px}.article h3{font-size:22px;margin-top:26px}.article p,.article li{color:#334155;line-height:1.85;font-size:17px}.article ul,.article ol{padding-left:24px}.article .note{background:#fffbeb;border:1px solid #fde68a;border-radius:18px;padding:16px;color:#92400e;font-weight:700}.article .cta-box{background:#dbeafe;border-radius:24px;padding:24px;margin-top:34px}.article .source-list{font-size:14px;color:#64748b;border-top:1px solid #e2e8f0;margin-top:28px;padding-top:18px}.breadcrumbs{font-size:14px;color:#cbd5e1;margin-bottom:16px}.breadcrumbs a{color:#fff;font-weight:800;text-decoration:underline}.mini-form-link{display:inline-flex;background:#1d4ed8;color:#fff!important;padding:14px 18px;border-radius:16px;font-weight:900;margin-top:8px}
@media(max-width:900px){.blog-layout{grid-template-columns:1fr}.blog-grid{grid-template-columns:1fr}.sidebar{position:static}.article{padding:24px;border-radius:22px}.article h1{font-size:32px}.blog-hero h1{font-size:34px}}


/* Multi-option form + calculator */
.checkbox-group{display:grid;gap:9px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:16px;padding:12px}
.checkbox-item{display:flex;gap:9px;align-items:flex-start;font-size:14px;font-weight:700;color:#334155;line-height:1.45}
.checkbox-item input{width:auto;margin-top:2px;accent-color:var(--blue)}
.helper-text{font-size:12px;color:#64748b;margin-top:6px;line-height:1.5}
.rate-table{width:100%;border-collapse:separate;border-spacing:0;margin:22px 0;background:#fff;border:1px solid #e2e8f0;border-radius:18px;overflow:hidden}
.rate-table th,.rate-table td{padding:14px 12px;text-align:left;border-bottom:1px solid #e2e8f0;vertical-align:top}
.rate-table th{background:#eff6ff;color:#1e3a8a;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.rate-table tr:last-child td{border-bottom:0}.rate-table td strong{font-size:18px;color:#0f172a}.calc-card{background:#fff;border:1px solid #e2e8f0;border-radius:28px;padding:26px;box-shadow:0 12px 30px rgba(15,23,42,.08);margin-top:24px}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.calc-result{background:linear-gradient(135deg,#0f2f66,#1d4ed8);color:#fff;border-radius:24px;padding:24px;margin-top:18px}.calc-result .amount{font-size:38px;font-weight:900;letter-spacing:-1px}.calc-result p{color:#dbeafe!important;margin:8px 0 0}.range-note{background:#ecfdf5;border:1px solid #99f6e4;color:#115e59;border-radius:18px;padding:15px 16px;font-weight:700}.content-split{display:grid;grid-template-columns:1fr 340px;gap:28px;align-items:start}.sticky-cta{position:sticky;top:92px;background:#fff;border:1px solid #e2e8f0;border-radius:24px;padding:22px;box-shadow:0 10px 22px rgba(15,23,42,.04)}
@media(max-width:900px){.calc-grid,.content-split{grid-template-columns:1fr}.sticky-cta{position:static}.calc-result .amount{font-size:32px}.rate-table th,.rate-table td{font-size:13px;padding:11px 9px}}


/* Cookie consent banner */
.cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:9999;background:#fff;border:1px solid #cbd5e1;border-radius:22px;box-shadow:0 22px 60px rgba(15,23,42,.24);padding:18px;display:grid;grid-template-columns:1fr auto;gap:16px;align-items:center;max-width:1120px;margin:0 auto;color:#0f172a}
.cookie-text strong{display:block;font-size:16px;margin-bottom:6px}.cookie-text p{margin:0;color:#475569;line-height:1.55;font-size:14px}.cookie-config{margin-top:12px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:14px;padding:12px}.cookie-config label{font-weight:800;color:#334155}.cookie-config input{margin-right:8px;accent-color:#1d4ed8}.cookie-config small{display:block;margin-top:6px;color:#64748b;line-height:1.45}.cookie-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}.cookie-btn{border:1px solid #cbd5e1;background:#fff;color:#0f172a;border-radius:14px;padding:11px 14px;font-weight:900;cursor:pointer}.cookie-btn:hover{background:#f8fafc}.cookie-accept{background:#1d4ed8;color:#fff;border-color:#1d4ed8}.cookie-accept:hover{background:#1e40af}.cookie-outline{border-color:#1d4ed8;color:#1d4ed8;background:#eff6ff}
@media(max-width:760px){.cookie-banner{grid-template-columns:1fr;left:12px;right:12px;bottom:12px;padding:16px}.cookie-actions{justify-content:stretch}.cookie-btn{flex:1 1 100%}}