@font-face{font-family:"Figtree";src:url("/assets/figtree.woff2") format("woff2");font-weight:300 900;font-display:swap}
@font-face{font-family:"Sora";src:url("/assets/sora.woff2") format("woff2");font-weight:300 800;font-display:swap}
:root{/* Brand colours: change these four to retheme the whole site */--navy:#0A272F;--teal:#107E7B;--yellow:#F2C94C;--paper:#FFFFFF;
--sand:#EEF5F4;--line:#D9E3E2;--ink:var(--navy);--ink-2:#3F5560;--accent:var(--teal);--accent-deep:#0D6966;--hl:var(--yellow);--white:#fff;--max:1120px;--r:14px;--serif:"Sora",system-ui,sans-serif;--sans:"Figtree",system-ui,-apple-system,"Segoe UI",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.6;color:var(--ink);background:var(--paper)}
img,svg{max-width:100%;display:block}
a{color:var(--accent-deep);text-decoration-thickness:1px;text-underline-offset:3px}
h1,h2,h3,.serif{font-family:var(--serif);font-weight:600;line-height:1.1;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.2rem,5.4vw,4rem)}h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}h3{font-size:1.3rem}
p{margin:0 0 1em}.lead{font-size:1.15rem;color:var(--ink-2)}.muted{color:var(--ink-2)}.small{font-size:.9rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:8px 12px}.skip:focus{left:8px;z-index:99}
.eyebrow{display:inline-block;font-weight:700;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-2);margin-bottom:14px}
.eyebrow::before{content:"";display:inline-block;width:22px;height:3px;background:var(--accent);vertical-align:middle;margin-right:10px}
/* header */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
.brand img{height:52px;width:auto}
.nav{display:flex;gap:28px;align-items:center}.nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.98rem}
.nav a:hover,.nav a[aria-current]{text-decoration:underline;text-decoration-color:var(--teal);text-decoration-thickness:3px}
.btn{display:inline-block;background:var(--navy);color:#fff;font-weight:800;text-decoration:none;padding:13px 22px;border-radius:999px;border:2px solid var(--navy);font-size:1rem;cursor:pointer;font-family:var(--sans);line-height:1.2}
.btn:hover{background:var(--teal);border-color:var(--teal)}.btn.ghost{background:transparent;border-color:var(--navy);color:var(--navy)}.btn.ghost:hover{background:var(--ink);color:#fff}
.btn.dark{background:var(--teal);border-color:var(--teal);color:#fff}.btn.dark:hover{background:var(--accent-deep)}
.burger{display:none;background:none;border:2px solid var(--ink);border-radius:8px;padding:6px 10px;font:inherit;font-weight:700}
@media(max-width:860px){.nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--paper);flex-direction:column;align-items:flex-start;padding:16px 20px 24px;border-bottom:1px solid var(--line);gap:14px}.nav.open{display:flex}.burger{display:block}.top .cta{display:none}}
/* hero */
.hero{padding:64px 0 48px;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1 em{font-style:normal;background:linear-gradient(transparent 62%,var(--hl) 62%)}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
@media(max-width:860px){.hero{padding:40px 0 36px}.hero .wrap{grid-template-columns:1fr;gap:36px}}
/* bill card */
.bill{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 26px 22px;box-shadow:0 20px 50px -30px rgba(29,43,58,.35);position:relative}
.bill:before{content:"";position:absolute;inset:auto 18px -12px 18px;height:12px;background:var(--sand);border-radius:0 0 var(--r) var(--r);z-index:-1}
.bill h3{font-size:1.1rem;margin-bottom:4px}.bill .sub{font-size:.85rem;color:var(--ink-2);margin-bottom:18px}
.bar{display:flex;height:22px;border-radius:6px;overflow:hidden;margin-bottom:16px}
.bar span{display:block;height:100%}
.legend{list-style:none;margin:0;padding:0;display:grid;gap:8px;font-size:.95rem}
.legend li{display:flex;align-items:center;gap:10px;justify-content:space-between}
.legend li i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:4px;flex:none}
.legend b{font-weight:800}.legend .k{display:flex;align-items:center;gap:6px}
.bill .note{font-size:.78rem;color:var(--ink-2);margin:14px 0 0}
/* sections */
section{padding:72px 0}@media(max-width:860px){section{padding:48px 0}}
.sec-head{max-width:720px;margin-bottom:40px}
.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.cols .num{font-family:var(--serif);font-size:2.6rem;color:var(--accent-deep);line-height:1;margin-bottom:10px}
@media(max-width:860px){.cols{grid-template-columns:1fr}}
.band{background:var(--navy);color:#fff}.band h2,.band h3{color:#fff}.band .muted{color:#C9D1DC}.band a{color:#fff}
.band .btn{background:var(--yellow);border-color:var(--yellow);color:var(--navy)}.band .btn:hover{background:#f7d66a;border-color:#f7d66a}
.sand{background:var(--sand)}
/* guides list */
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.guide{color:var(--navy);background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;text-decoration:none;display:flex;flex-direction:column;gap:10px;min-height:260px;transition:transform .15s}
.guide:hover{transform:translateY(-3px)}.guide .tag{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-deep)}
.guide h3{margin:0}.guide p{color:var(--ink-2);margin:0;flex:1}.guide .more{font-weight:700;text-decoration:underline;text-decoration-color:var(--yellow);text-decoration-thickness:3px}
@media(max-width:860px){.guides{grid-template-columns:1fr}.guide{min-height:0}}
/* plan strip */
.plan{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.steps{list-style:none;margin:0;padding:0;counter-reset:s}
.steps li{counter-increment:s;display:flex;gap:16px;padding:14px 0;border-top:1px solid rgba(255,255,255,.18)}
.steps li:before{content:counter(s,decimal-leading-zero);font-family:var(--serif);font-size:1.4rem;color:var(--yellow);min-width:40px}
@media(max-width:860px){.plan{grid-template-columns:1fr}}
/* myths */
.myths{display:grid;gap:12px;max-width:820px}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0}
summary{cursor:pointer;padding:18px 22px;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}summary:after{content:"+";font-family:var(--serif);font-size:1.5rem;line-height:1;color:var(--accent-deep)}
details[open] summary:after{content:"–"}details .body{padding:0 22px 20px;color:var(--ink-2)}
/* notice */
.notice{border-left:5px solid var(--accent);background:#fff;padding:20px 24px;border-radius:0 12px 12px 0;max-width:820px}
/* footer */
footer{background:#fff;border-top:1px solid var(--line);padding:48px 0 32px;font-size:.93rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}footer h4{margin:0 0 12px;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase}
.disclaimer{border-top:1px solid var(--line);padding-top:20px;color:var(--ink-2);font-size:.85rem}
@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}
/* article */
.article{max-width:760px;margin:0 auto;padding:56px 20px}
.article h2{font-size:1.7rem;margin-top:1.6em}.article h3{margin-top:1.4em}
.article ul,.article ol{padding-left:22px}.article li{margin-bottom:.4em}
.article .meta{color:var(--ink-2);font-size:.9rem;margin-bottom:28px}
.callout{background:var(--sand);border-radius:12px;padding:18px 22px;margin:28px 0}
.article table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.95rem}
.article th,.article td{text-align:left;padding:10px 8px;border-bottom:1px solid var(--line);vertical-align:top}
.article th{font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-2)}
.pager{display:flex;gap:14px;flex-wrap:wrap;margin-top:48px;padding-top:24px;border-top:1px solid var(--line)}
/* planner */
.planner{max-width:760px;margin:0 auto;padding:48px 20px 72px}
.progress{display:flex;gap:6px;margin:18px 0 28px}.progress i{flex:1;height:6px;border-radius:3px;background:var(--line)}.progress i.on{background:var(--teal)}
.q{display:none}.q.active{display:block}
.opts{display:grid;gap:10px;margin:18px 0 24px}
.opt{display:flex;align-items:center;gap:14px;background:#fff;border:2px solid var(--line);border-radius:12px;padding:14px 16px;cursor:pointer;font-weight:600}
.opt:hover{border-color:var(--ink)}.opt input{width:20px;height:20px;accent-color:var(--ink);margin:0}
.opt .d{display:block;font-weight:400;color:var(--ink-2);font-size:.9rem}
.row{display:flex;gap:12px;flex-wrap:wrap}
label.f{display:block;font-weight:700;margin:14px 0 6px}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;padding:12px 14px;border:2px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus,.opt:focus-within{outline:3px solid var(--yellow);outline-offset:1px;border-color:var(--ink)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:600px){.two{grid-template-columns:1fr}}
.checklist{list-style:none;margin:20px 0;padding:0;display:grid;gap:12px}
.checklist li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;display:grid;grid-template-columns:34px 1fr;gap:12px}
.checklist .n{font-family:var(--serif);font-size:1.4rem;color:var(--accent-deep)}
.checklist b{display:block}.checklist span{color:var(--ink-2);font-size:.95rem}
.chip{display:inline-block;background:var(--sand);color:var(--accent-deep);border-radius:999px;padding:2px 10px;font-size:.78rem;font-weight:700;margin-top:6px}
.err{color:#9B1C1C;font-weight:700;display:none;margin:10px 0}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--ink-2);margin:16px 0}
.consent input{margin-top:5px;width:18px;height:18px;flex:none;accent-color:var(--ink)}
.center{text-align:center}


/* ===================== v4: premium layer ===================== */
:root{--mint:#E9F4F0;--mint-2:#D5EBE2;--sky:#F4F8F8;--ink-3:#5E7278;--shadow:0 24px 60px -28px rgba(10,39,47,.35);--shadow-sm:0 10px 30px -18px rgba(10,39,47,.35);--r:16px;--r-lg:24px}
body{font-size:17px;color:#143038}
h1,h2,h3,.serif{font-family:var(--serif);font-weight:700;letter-spacing:-.025em}
h1{font-size:clamp(2.4rem,5.2vw,4.1rem);line-height:1.04}
h2{font-size:clamp(1.9rem,3.4vw,2.7rem);line-height:1.1}
h3{font-size:1.25rem;line-height:1.3;letter-spacing:-.01em}
.lead{font-size:1.15rem;color:var(--ink-3);line-height:1.65}
.eyebrow{color:var(--accent-deep);letter-spacing:.16em;font-size:.74rem}
.eyebrow::before{display:none}
.wrap{max-width:1180px}
.btn{font-weight:700;padding:14px 24px;border-radius:12px;font-size:1rem;transition:transform .15s,background .15s,box-shadow .15s;box-shadow:0 8px 20px -12px rgba(10,39,47,.5)}
.btn:hover{transform:translateY(-1px)}
.btn.ghost{box-shadow:none;background:#fff;border-color:var(--line);color:var(--navy)}
.btn.ghost:hover{background:var(--mint);border-color:var(--mint-2);color:var(--navy)}
.btn.yellow{background:var(--yellow);border-color:var(--yellow);color:var(--navy)}
.btn.yellow:hover{background:#f7d66a;border-color:#f7d66a}
.btn .arr{display:inline-block;margin-left:6px;transition:transform .15s}.btn:hover .arr{transform:translateX(3px)}
/* header */
.top{background:rgba(255,255,255,.9);border-bottom:1px solid rgba(217,227,226,.8)}
.top .wrap{height:78px}
.brand img{height:44px}
.nav{gap:26px}.nav a{font-size:.95rem;font-weight:600;color:#1f3a42;padding:6px 0}
.nav a:hover,.nav a[aria-current]{text-decoration:none;color:var(--accent-deep);box-shadow:inset 0 -2px 0 var(--accent)}
.top .cta{padding:11px 18px;font-size:.95rem}
.burger{border-radius:10px}
@media(max-width:960px){.nav{display:none;position:absolute;left:0;right:0;top:78px;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px 24px;border-bottom:1px solid var(--line);gap:14px;box-shadow:var(--shadow)}.nav.open{display:flex}.burger{display:block}.top .cta{display:none}}
@media(min-width:961px){.burger{display:none}.nav{display:flex}}
/* hero */
.hero{padding:72px 0 80px;border-bottom:0;background:radial-gradient(1200px 600px at 85% -10%,var(--mint-2) 0,transparent 60%),linear-gradient(180deg,#F3F9F7 0%,#fff 100%);position:relative;overflow:hidden}
.hero .wrap{grid-template-columns:1fr 1fr;gap:56px}
.pill{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--mint-2);color:var(--accent-deep);font-weight:700;font-size:.8rem;letter-spacing:.02em;padding:8px 14px 8px 10px;border-radius:999px;margin-bottom:22px;box-shadow:var(--shadow-sm)}
.pill i{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 4px rgba(16,126,123,.18)}
.hero h1 em{background:none;color:var(--accent-deep);position:relative;white-space:nowrap}
.hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:.04em;height:.16em;background:var(--yellow);z-index:-1;border-radius:4px}
.hero .lead{max-width:560px;margin-top:18px}
.hero .actions{margin-top:30px;gap:12px}
.hero .actions .btn{padding:16px 26px;font-size:1.05rem}
.stats{display:grid;grid-template-columns:repeat(4,auto);justify-content:start;gap:32px;margin-top:40px;padding-top:28px;border-top:1px solid var(--line)}
.stats div b{display:block;font-family:var(--serif);font-size:1.8rem;white-space:nowrap;line-height:1;color:var(--navy);letter-spacing:-.03em}
.stats div span{display:block;font-size:.88rem;color:var(--ink-3);margin-top:6px;font-weight:500}
.visual{position:relative}
.visual .photo{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/3;background:var(--mint)}
.visual .photo img{width:100%;height:100%;object-fit:cover}
.float{position:absolute;background:#fff;border-radius:14px;padding:14px 16px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center;border:1px solid rgba(217,227,226,.7)}
.float .ic{width:40px;height:40px;border-radius:10px;background:var(--mint);display:grid;place-items:center;color:var(--accent-deep);flex:none}
.float b{display:block;font-size:.92rem;color:var(--navy)}.float span{font-size:.8rem;color:var(--ink-3)}
.float.a{left:-28px;bottom:36px;animation:floatY 6s ease-in-out infinite}
.float.b{right:-20px;top:28px;animation:floatY 7s ease-in-out 1s infinite}
@keyframes floatY{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@media(max-width:960px){.hero{padding:40px 0 48px}.hero .wrap{grid-template-columns:1fr;gap:40px}.float.a{left:8px;bottom:-18px}.float.b{right:8px;top:-18px}.stats{grid-template-columns:repeat(2,1fr);gap:20px}.stats div b{font-size:1.6rem}}
/* generic sections */
section{padding:88px 0}@media(max-width:860px){section{padding:56px 0}}
.sec-head{max-width:760px;margin-bottom:44px}.sec-head.center{text-align:center;margin-left:auto;margin-right:auto}
.sec-head p{color:var(--ink-3);font-size:1.08rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-sm)}
/* states */
.states-card{padding:28px}
.states-head{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.states-head h3{margin:0}.states-head p{margin:4px 0 0;font-size:.92rem;color:var(--ink-3)}
.search{position:relative;max-width:360px;flex:1}
.search input{width:100%;padding:12px 14px 12px 42px;border:1px solid var(--line);border-radius:12px;font:inherit;font-size:.98rem;background:var(--sky)}
.search input:focus{outline:2px solid var(--accent);outline-offset:1px;background:#fff}
.search svg{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--ink-3)}
.sgrid{display:grid;grid-template-columns:repeat(6,1fr);gap:10px}
.sgrid a{display:flex;align-items:center;justify-content:space-between;gap:8px;padding:12px 14px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.92rem;background:#fff;transition:all .15s}
.sgrid a span{font-size:.72rem;font-weight:700;color:var(--accent-deep);background:var(--mint);padding:3px 7px;border-radius:6px;letter-spacing:.04em}
.sgrid a:hover{border-color:var(--accent);background:var(--mint);transform:translateY(-2px);box-shadow:var(--shadow-sm)}
.sgrid a.hide{display:none}
@media(max-width:1100px){.sgrid{grid-template-columns:repeat(4,1fr)}}@media(max-width:700px){.sgrid{grid-template-columns:repeat(2,1fr)}.states-card{padding:18px}}
/* how it works */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{padding:32px 28px;position:relative;overflow:hidden}
.step .n{font-family:var(--serif);font-size:.85rem;font-weight:700;color:var(--accent-deep);letter-spacing:.1em;margin-bottom:18px;display:flex;align-items:center;gap:12px}
.step .n::after{content:"";height:1px;flex:1;background:var(--line)}
.step .ic{width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--mint),#fff);border:1px solid var(--mint-2);display:grid;place-items:center;color:var(--accent-deep);margin-bottom:18px}
.step h3{margin-bottom:8px}.step p{color:var(--ink-3);margin:0;font-size:.98rem}
@media(max-width:860px){.steps{grid-template-columns:1fr}}
/* dark landscape band */
.band{background:linear-gradient(160deg,#0A272F 0%,#0E3A41 60%,#0F4A4C 100%)}
.band .sec-head p{color:#B8CDCF}
.lgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.lcard{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);padding:28px}
.lcard .tag{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 10px;border-radius:999px;margin-bottom:16px}
.tag.red{background:rgba(242,112,112,.18);color:#FFB8B8}.tag.amber{background:rgba(242,201,76,.2);color:#F7DB85}.tag.green{background:rgba(80,200,160,.18);color:#9FE8CB}
.lcard h3{color:#fff;margin-bottom:10px}.lcard p{color:#C3D5D6;margin:0;font-size:.97rem}
@media(max-width:860px){.lgrid{grid-template-columns:1fr}}
/* upgrades */
.ugrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.ucard{display:flex;flex-direction:column;overflow:hidden;text-decoration:none;color:var(--navy);transition:transform .2s,box-shadow .2s}
.ucard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.ucard .img{aspect-ratio:4/3;overflow:hidden;background:var(--mint);position:relative}
.ucard .img img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.ucard:hover .img img{transform:scale(1.04)}
.ucard .img .chip{position:absolute;left:14px;top:14px;background:rgba(255,255,255,.92);color:var(--accent-deep);font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:6px 10px;border-radius:8px;text-decoration:none}
.ucard .body{padding:22px 24px 24px;display:flex;flex-direction:column;gap:8px;flex:1}
.ucard h3{margin:0}.ucard p{margin:0;color:var(--ink-3);font-size:.96rem;flex:1}
.ucard .more{font-weight:700;color:var(--accent-deep);margin-top:6px}
.also{margin-top:28px;display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.also span{font-size:.9rem;color:var(--ink-3);margin-right:4px}
.also a{text-decoration:none;color:var(--navy);font-weight:600;font-size:.9rem;border:1px solid var(--line);padding:8px 14px;border-radius:999px;background:#fff}
.also a:hover{border-color:var(--accent);background:var(--mint)}
@media(max-width:960px){.ugrid{grid-template-columns:repeat(2,1fr)}}@media(max-width:640px){.ugrid{grid-template-columns:1fr}}
/* numbers band */
.numbers{background:var(--teal);color:#fff;padding:56px 0}
.numbers .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.numbers b{display:block;font-family:var(--serif);font-size:clamp(2.2rem,4vw,3.2rem);letter-spacing:-.03em;line-height:1}
.numbers span{display:block;margin-top:8px;color:#D6F0EC;font-size:.95rem;font-weight:500}
@media(max-width:700px){.numbers .wrap{grid-template-columns:repeat(2,1fr)}}
/* standards */
.std{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.std .card{padding:30px 28px}
.std .ic{width:48px;height:48px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;margin-bottom:18px}
.std h3{margin-bottom:8px}.std p{margin:0;color:var(--ink-3);font-size:.97rem}
@media(max-width:860px){.std{grid-template-columns:1fr}}
/* platform split */
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:44px;background:linear-gradient(135deg,#fff,var(--mint));border:1px solid var(--mint-2);border-radius:var(--r-lg)}
.split .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.split .photo{border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:4/3}
.split .photo img{width:100%;height:100%;object-fit:cover}
@media(max-width:860px){.split{grid-template-columns:1fr;padding:24px}}
/* guides */
.guide{border-radius:var(--r-lg);padding:0;min-height:0;overflow:hidden;box-shadow:var(--shadow-sm)}
.guide .img{aspect-ratio:16/9;overflow:hidden}.guide .img img{width:100%;height:100%;object-fit:cover}
.guide .gbody{padding:22px 24px 24px;display:flex;flex-direction:column;gap:10px;flex:1}
.guide .more{text-decoration:none;color:var(--accent-deep)}
/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:14px;background:#fff;margin-bottom:12px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:20px 56px 20px 24px;font-weight:700;font-size:1.05rem;position:relative;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:22px;top:50%;width:10px;height:10px;border-right:2px solid var(--accent-deep);border-bottom:2px solid var(--accent-deep);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details[open]{border-color:var(--mint-2);box-shadow:var(--shadow-sm)}
.faq .a{padding:0 24px 22px;color:var(--ink-3);line-height:1.65}
/* final cta */
.final{background:radial-gradient(900px 400px at 20% 120%,rgba(16,126,123,.55),transparent 60%),linear-gradient(160deg,#0A272F,#0F4A4C);color:#fff;text-align:center;padding:96px 0}
.final h2{color:#fff;max-width:760px;margin:0 auto 14px}
.final p{color:#B8CDCF;max-width:620px;margin:0 auto 30px;font-size:1.1rem}
.final .btn{background:var(--yellow);border-color:var(--yellow);color:var(--navy);padding:16px 28px;font-size:1.05rem}
.final .btn:hover{background:#f7d66a;border-color:#f7d66a}
.final small{display:block;margin-top:16px;color:#8FB0B2;font-size:.85rem}
/* footer */
footer{background:#07202A;color:#C3D5D6;padding:64px 0 32px}
footer h4{color:#fff}footer a{color:#C3D5D6}footer a:hover{color:#fff}
footer .muted{color:#9FB7B9}
.fstates{margin-top:36px;padding-top:28px;border-top:1px solid rgba(255,255,255,.1)}
.fstates h4{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.fstates ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.85rem}
.fstates a{text-decoration:none}
footer .disclaimer{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:24px;color:#9FB7B9;font-size:.85rem}
footer .disclaimer strong{color:#fff}
/* sticky mobile cta */
.mcta{display:none;position:fixed;left:0;right:0;bottom:0;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-top:1px solid var(--line);z-index:60}
.mcta .btn{display:block;text-align:center;width:100%}
@media(max-width:700px){.mcta{display:block}body{padding-bottom:72px}}
/* reveal animation */
.rv{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.float{animation:none}}
/* ===== check (form) page ===== */
.check{padding:56px 0 80px;background:linear-gradient(180deg,#F3F9F7,#fff 40%)}
.check .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.check .side h1{font-size:clamp(2rem,4vw,3rem)}
.mini{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:16px}
.mini li{display:flex;gap:16px;align-items:flex-start}
.mini .n{width:36px;height:36px;border-radius:10px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.9rem;flex:none}
.mini b{display:block;color:var(--navy)}.mini span{color:var(--ink-3);font-size:.95rem}
.free{margin-top:28px;padding:20px 22px;border-radius:var(--r);background:var(--mint);border:1px solid var(--mint-2);display:flex;gap:14px;align-items:flex-start}
.free b{display:block;color:var(--navy)}.free span{font-size:.93rem;color:var(--ink-3)}
.fcard{position:sticky;top:100px;padding:30px}
.fcard .ftop{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px;font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-deep)}
.fcard .ftop span{color:var(--ink-3);letter-spacing:0;text-transform:none;font-weight:600}
.prog{height:6px;background:var(--mint);border-radius:999px;overflow:hidden;margin-bottom:26px}
.prog i{display:block;height:100%;background:linear-gradient(90deg,var(--teal),#2FA89F);border-radius:999px;transition:width .4s ease}
.fstep{display:none;animation:fade .35s ease}.fstep.active{display:block}
@keyframes fade{from{opacity:0;transform:translateX(10px)}to{opacity:1;transform:none}}
.fstep h2{font-size:1.55rem;margin-bottom:6px}.fstep .hint{color:var(--ink-3);margin-bottom:20px;font-size:.98rem}
.opts{display:grid;gap:10px}.opts.two{grid-template-columns:1fr 1fr}
.opt{display:flex;align-items:center;gap:12px;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;cursor:pointer;font-weight:600;color:var(--navy);background:#fff;transition:all .15s}
.opt:hover{border-color:var(--accent);background:var(--sky)}
.opt input{accent-color:var(--teal);width:18px;height:18px;margin:0}
.opt:has(input:checked){border-color:var(--accent);background:var(--mint);box-shadow:0 0 0 3px rgba(16,126,123,.15)}
.fld{margin-bottom:14px}.fld label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy)}
.fld input,.fld select{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:1rem;background:#fff;color:var(--navy)}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(16,126,123,.15)}
.fld.two{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:0}.fld.two>div{margin-bottom:14px}
.fnav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:22px}
.fnav .back{background:none;border:0;font:inherit;font-weight:600;color:var(--ink-3);cursor:pointer;padding:10px 4px}
.fnav .back:hover{color:var(--navy)}
.err{display:none;color:#B42318;background:#FEF3F2;border:1px solid #FECDCA;padding:10px 12px;border-radius:10px;font-size:.92rem;margin-top:12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;color:var(--ink-3);margin-top:8px}
.consent input{margin-top:4px;accent-color:var(--teal)}
.legal{font-size:.8rem;color:var(--ink-3);margin-top:18px;text-align:center}
.done{text-align:center;padding:20px 0}
.done .ok{width:72px;height:72px;border-radius:50%;background:var(--mint);display:grid;place-items:center;margin:0 auto 18px;color:var(--accent-deep)}
.done h2{margin-bottom:8px}.done p{color:var(--ink-3)}
@media(max-width:900px){.check .wrap{grid-template-columns:1fr;gap:32px}.fcard{position:static;padding:22px}.opts.two{grid-template-columns:1fr}.fld.two{grid-template-columns:1fr}}

@media(max-width:900px){.check .fcard{order:-1}}
body.is-check .mcta{display:none}body.is-check{padding-bottom:0}
.sgrid .morebtn{display:none}
@media(max-width:700px){.sgrid.collapsed a:nth-child(n+13){display:none}.sgrid .morebtn{display:block;grid-column:1/-1;background:var(--mint);border:1px solid var(--mint-2);color:var(--accent-deep);font:inherit;font-weight:700;padding:12px;border-radius:12px;cursor:pointer}.sgrid:not(.collapsed) .morebtn{display:none}}

.guide>.tag:first-child{margin:22px 24px 0}.guide>.tag:first-child~h3,.guide>.tag:first-child~p{margin-left:24px;margin-right:24px}.guide>.tag:first-child~.more{margin:0 24px 24px}
/* live fix 2026-10-26: wide tables scroll inside their box on phones instead of widening the page */
@media (max-width:640px){.article table{display:block;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch;font-size:.88rem}.article th,.article td{padding:8px 6px}}