:root{--ink:#0f1b2a;--navy:#13263d;--teal:#0e8f7e;--teal2:#14b8a0;--amber:#f2a93b;--bg:#f5f7f9;--line:#e1e6ec;--muted:#5a6878}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--teal)}
.banner{background:var(--amber);color:#2b1a00;text-align:center;padding:9px 16px;font-weight:700;font-size:14px}
nav{position:sticky;top:0;z-index:10;background:rgba(15,27,42,.96);backdrop-filter:blur(6px)}
.navin{max-width:1120px;margin:auto;display:flex;align-items:center;justify-content:space-between;padding:12px 20px;gap:12px}
.brand{color:#fff;font-weight:800;font-size:20px;text-decoration:none;letter-spacing:.3px}.brand span{color:var(--teal2)}
.links{display:flex;gap:18px;overflow-x:auto;scrollbar-width:none}.links::-webkit-scrollbar{display:none}
.links a{color:#cfd8e3;text-decoration:none;font-size:14px;font-weight:600;white-space:nowrap}.links a:hover{color:#fff}
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1d5a63 0%,transparent 60%),linear-gradient(160deg,#0f1b2a 0%,#13263d 70%);color:#fff;padding:84px 20px 96px}
.heroin{max-width:1120px;margin:auto;display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:rgba(20,184,160,.15);color:var(--teal2);border:1px solid rgba(20,184,160,.4);padding:5px 12px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.5px;text-transform:uppercase}
.hero h1{font-size:54px;line-height:1.08;margin:18px 0 18px;font-weight:800;letter-spacing:-1px}.hero h1 em{font-style:normal;color:var(--teal2)}
.hero p{font-size:19px;color:#c9d4e0;max-width:560px;margin:0 0 28px}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 22px;border-radius:10px;font-weight:700;text-decoration:none;font-size:16px}
.btn.primary{background:var(--teal2);color:#06231f}.btn.primary:hover{background:#2fd3ba}
.btn.ghost{border:1.5px solid #4a6380;color:#fff}.btn.ghost:hover{border-color:#fff}
.herocard{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:26px}
.herocard h3{margin:0 0 14px;font-size:16px;color:var(--teal2);text-transform:uppercase;letter-spacing:.6px}
.check{list-style:none;padding:0;margin:0}.check li{padding:8px 0 8px 32px;position:relative;border-bottom:1px solid rgba(255,255,255,.08)}
.check li:last-child{border:0}.check li:before{content:"";position:absolute;left:0;top:12px;width:20px;height:20px;border-radius:50%;background:var(--teal2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' stroke='%2306231f' stroke-width='2.4' fill='none'/%3E%3C/svg%3E") center/14px no-repeat}
section{padding:76px 20px}section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.wrap{max-width:1120px;margin:auto}
.kicker{color:var(--teal);font-weight:800;font-size:13px;letter-spacing:1px;text-transform:uppercase}
h2{font-size:38px;line-height:1.15;margin:8px 0 14px;letter-spacing:-.5px}
.lead{color:var(--muted);font-size:18px;max-width:720px;margin:0 0 36px}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;position:relative}
section.alt .step,section.alt .card{background:var(--bg)}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;margin-bottom:12px}
.step h3,.card h3{margin:0 0 6px;font-size:18px}.step p,.card p{margin:0;color:var(--muted);font-size:15.5px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:20px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.yes{border-top:4px solid var(--teal)}.no{border-top:4px solid #c2483d}
.card ul{margin:8px 0 0;padding-left:20px;color:var(--muted)}.card li{margin:5px 0}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
th,td{text-align:left;padding:16px 18px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-size:14px;letter-spacing:.4px;text-transform:uppercase}
td.rate{font-size:26px;font-weight:800;color:var(--teal);white-space:nowrap}
.note{font-size:14.5px;color:var(--muted);margin-top:14px}
.pill{display:inline-block;background:#e6f6f3;color:#0b6b5e;font-weight:700;font-size:13px;padding:3px 10px;border-radius:999px;margin:0 6px 6px 0}
.partner{background:linear-gradient(135deg,#13263d,#0f3d48);color:#fff;border-radius:18px;padding:40px;display:grid;grid-template-columns:1fr 1fr;gap:32px}
.partner h2{color:#fff}.partner p,.partner li{color:#cdd8e4}.big{font-size:64px;font-weight:800;color:var(--teal2);line-height:1}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;transition:box-shadow .2s}
details[open]{box-shadow:0 6px 20px rgba(15,27,42,.07)}
summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:700;position:relative}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:20px;top:12px;font-size:26px;color:var(--teal);font-weight:400}
details[open] summary:after{content:"\2013"}
details p{margin:0;padding:0 20px 18px;color:var(--muted)}
.faqcols{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}
.list{columns:2;column-gap:28px;padding:0;list-style:none;margin:0}
.list li{break-inside:avoid;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px 14px 48px;margin:0 0 12px;position:relative}
.list li b{display:block}.list li span{color:var(--muted);font-size:15px}
.list li:before{content:"";position:absolute;left:16px;top:17px;width:18px;height:18px;border:2px solid var(--teal);border-radius:5px}
.cta{background:var(--navy);color:#fff;border-radius:18px;padding:48px;text-align:center}
.cta h2{color:#fff}.cta p{color:#c9d4e0;max-width:640px;margin:0 auto 22px}
.soon{display:inline-block;background:var(--amber);color:#2b1a00;font-weight:800;padding:12px 22px;border-radius:10px}
footer{background:var(--ink);color:#8a9bb0;font-size:14px;padding:36px 20px;text-align:center}footer p{margin:6px 0}
@media(max-width:960px){.steps{grid-template-columns:1fr 1fr}.heroin,.partner{grid-template-columns:1fr}.grid3{grid-template-columns:1fr 1fr}}
@media(max-width:640px){body{font-size:16px}.hero{padding:52px 18px 60px}.hero h1{font-size:36px}h2{font-size:29px}section{padding:52px 18px}
.steps,.grid2,.grid3,.faqcols{grid-template-columns:1fr}.list{columns:1}.partner,.cta{padding:28px 22px}.big{font-size:48px}
th,td{padding:12px}td.rate{font-size:21px}.btn{width:100%;text-align:center}}
/* v3 wordmark */
nav{background:rgba(12,22,35,.72);backdrop-filter:blur(14px) saturate(160%);-webkit-backdrop-filter:blur(14px) saturate(160%);border-bottom:1px solid rgba(255,255,255,.08)}
.navin{padding:14px 20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}
.mark{width:46px;height:46px;filter:drop-shadow(0 4px 12px rgba(20,184,160,.35))}
.wm{display:flex;flex-direction:column;line-height:1}
.wm1{font-family:"Sora","Inter",system-ui,sans-serif;font-weight:800;font-size:28px;letter-spacing:-1.2px;background:linear-gradient(95deg,#ffffff 0%,#d9f5f0 45%,#2fd3ba 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.wm2{font-family:"Sora","Inter",sans-serif;font-weight:600;font-size:10.5px;letter-spacing:6.2px;color:#8fb3c4;margin-top:5px;padding-left:2px}
.heroin{position:relative}
.heromark{position:absolute;right:-60px;top:-70px;width:380px;height:380px;opacity:.07;pointer-events:none}
.hero h1,h2{font-family:"Sora","Inter",sans-serif;letter-spacing:-1.2px}
@media(max-width:640px){.mark{width:38px;height:38px}.wm1{font-size:22px}.wm2{font-size:9px;letter-spacing:4.8px}.navin{flex-direction:column;align-items:flex-start;gap:10px}.links{width:100%}.heromark{width:240px;height:240px;right:-50px;top:-40px}}
nav{background:rgba(13,24,39,.86)}
.wm1{background:linear-gradient(100deg,#fff 0%,#fff 55%,#5fe3cc 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.wm2{color:#7fd8c8}
nav{background:rgba(11,20,33,.94)}
.brand .mark{width:52px;height:52px}
.brand .wm1{font-size:31px;background:linear-gradient(100deg,#fff 0%,#fff 50%,#5fe3cc 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.brand .wm2{color:#7fd8c8}
@media(max-width:640px){.brand .mark{width:42px;height:42px}.brand .wm1{font-size:25px}}