:root{--ink:#10233d;--navy:#0d2f57;--navy2:#0a2442;--teal:#0b7f86;--teal2:#14a3a0;--tealbg:#e3f4f2;--blue:#1f6fb2;--bluebg:#e7f1fb;--gold:#f2b33d;--goldbg:#fdf3dc;--goldtx:#8a5a00;--sky:#f3f8fb;--line:#e3eaf1;--muted:#3d5672;
--disp:"Plus Jakarta Sans",Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--body:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#eef6f8;color:var(--ink);font-family:var(--body);font-size:18px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
main{overflow-x:clip}
a{color:var(--teal)}a:hover{color:#075e63}
h1,h2,h3,h4{font-family:var(--disp);letter-spacing:-.02em;color:var(--navy);line-height:1.12;margin:0 0 .5em}
h2{font-size:clamp(30px,3.6vw,48px);font-weight:800}
h3{font-size:23px;font-weight:800}
p{margin:0 0 1em}
.wrap{max-width:1240px;margin:0 auto;padding:0 32px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 14px}
.ic-s{width:20px;height:20px;flex:none}
svg.i{width:22px;height:22px;flex:none}
/* eyebrow + buttons */
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--disp);font-weight:800;font-size:15px;letter-spacing:.14em;text-transform:uppercase;color:#0b6d73;background:var(--tealbg);border:1px solid #bfe5e0;padding:10px 18px;border-radius:999px;margin-bottom:18px}
.eyebrow i{width:9px;height:9px;border-radius:50%;background:var(--gold);display:inline-block}
.eyebrow--dark{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.3);color:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:62px;padding:0 34px;border-radius:14px;font-weight:800;font-size:19px;text-decoration:none;font-family:var(--disp);border:0;cursor:pointer;transition:transform .2s,box-shadow .2s;line-height:1.2;text-align:center}
.btn:hover{transform:translateY(-2px)}
.btn-main{background:var(--navy);color:#fff}.btn-main:hover{color:#fff;box-shadow:0 12px 28px rgba(13,47,87,.28)}
.btn-gold{background:var(--gold);color:var(--ink)}.btn-gold:hover{color:var(--ink);box-shadow:0 12px 28px rgba(242,179,61,.35)}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}.btn-ghost:hover{color:var(--navy)}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}
.chip{display:inline-flex;align-items:center;gap:8px;padding:12px 20px;border-radius:999px;background:#fff;font-weight:700;font-size:16px;color:var(--navy);border:2px solid #fff;text-decoration:none;box-shadow:0 6px 16px rgba(13,47,87,.12);transition:transform .2s,border-color .2s}
a.chip:hover{transform:translateY(-2px);border-color:var(--gold);color:var(--navy)}
a.chip::after{content:"→";color:var(--teal)}
.chip--on{background:var(--navy);color:#fff!important;border-color:var(--navy)}.chip--on::after{content:"✓"!important;color:var(--gold)!important}
.chips{display:flex;gap:10px;flex-wrap:wrap}
/* top bar + header */
.topbar{background:var(--navy);color:#fff;font-size:15px;font-weight:600}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding-top:11px;padding-bottom:11px}
.topbar a{color:var(--gold);text-decoration:none;font-weight:800;font-size:17px;display:inline-flex;gap:8px;align-items:center}
.hdr{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid #e6edf3}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:14px;padding-bottom:14px}
.logo{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ink);flex:none}
.logo img{width:68px;height:68px}
.logo .nm{display:flex;flex-direction:column;line-height:1}
.logo .nm b{font-family:var(--disp);font-weight:800;font-size:28px;color:var(--navy);letter-spacing:-.02em}
.logo .nm small{font-weight:700;font-size:13px;letter-spacing:.32em;color:var(--teal);margin-top:6px}
.mainnav{display:flex;gap:26px;align-items:center}
.ni{position:relative}
.ni>a{color:var(--ink);text-decoration:none;font-family:var(--disp);font-weight:800;font-size:17px;text-transform:uppercase;letter-spacing:.06em;padding:14px 0;display:block}.ni>a:hover{color:var(--teal)}
.dd{display:none;position:absolute;top:100%;left:-18px;min-width:250px;background:#fff;border-radius:16px;padding:10px;box-shadow:0 20px 40px rgba(13,47,87,.16);border-top:4px solid var(--gold)}
.ni:hover .dd,.ni:focus-within .dd{display:block}
.dd a{display:block;padding:10px 14px;border-radius:10px;color:var(--navy);text-decoration:none;font-weight:600;font-size:16px}.dd a:hover{background:var(--tealbg);color:var(--teal)}
.mainnav a.btn{color:#fff}
.menu-btn{display:none;background:none;border:2px solid var(--navy);border-radius:10px;width:48px;height:48px;align-items:center;justify-content:center;color:var(--navy);cursor:pointer}
.menu-btn svg{width:26px;height:26px}
.mobmenu{display:none}
.mobmenu.open{display:flex;flex-direction:column;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:10px 32px 20px;box-shadow:0 20px 30px rgba(16,35,61,.12)}
.mobmenu a{padding:12px 0;font-weight:700;font-size:18px;color:var(--navy);text-decoration:none;border-bottom:1px solid var(--line)}
/* hero */
.hero{position:relative;overflow:hidden;background:#e6f4fb}
.hero-bg{position:absolute;inset:0;width:100%;height:100%}
.hero .wrap{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:56px;align-items:center;padding-top:72px;padding-bottom:140px}
.hero h1{font-size:clamp(40px,5vw,66px);line-height:1.04;font-weight:800;margin:0 0 22px}
.hero h1 em{font-style:normal;color:var(--teal)}
.hero .sub{font-size:20px;color:#2c4663;max-width:580px;margin-bottom:26px}
.hero .chips{margin-top:22px}
.hero--sm .wrap{padding-bottom:110px}
.crumbs{font-size:14px;font-weight:600;color:#4a6380;margin-bottom:14px}
.crumbs a{color:#2c4663;text-decoration:none}.crumbs a:hover{text-decoration:underline}.crumbs span{margin:0 8px;color:#8aa0b6}
.qcard{background:#fff;border-radius:24px;padding:32px;box-shadow:0 30px 70px rgba(13,47,87,.22);display:flex;flex-direction:column;gap:14px}
.qcard .qt{font-family:var(--disp);font-size:26px;font-weight:800;color:var(--navy);margin:0}
.qcard .fine{font-size:13px;color:#5b7390;margin:0;text-align:center}
.field{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:600;color:#24405f}
.field input,.field select,.field textarea{min-height:48px;border:1.5px solid #cfdbe6;border-radius:10px;padding:10px 14px;font:inherit;font-size:16px;font-weight:500;color:var(--ink);background:#fff;width:100%}
.field textarea{min-height:110px}
.row2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.float{animation:bob 6s ease-in-out infinite}
.cloud{animation:drift 14s ease-in-out infinite alternate}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes drift{from{transform:translateX(-4%)}to{transform:translateX(4%)}}
/* marquee */
.marquee{overflow:hidden;background:var(--navy);color:#fff}
.marquee-track{display:flex;gap:56px;width:max-content;padding:22px 0;animation:slide 40s linear infinite;font-family:var(--disp);font-weight:700;font-size:20px}
.marquee-track span{display:inline-flex;align-items:center;gap:56px;white-space:nowrap}
.marquee-track b{color:var(--gold)}
@keyframes slide{from{transform:translateX(0)}to{transform:translateX(-50%)}}
/* sections */
.sec{padding:110px 0}
.sec--sky{background:var(--sky)}
.sec--teal{background:linear-gradient(180deg,var(--tealbg),#d3eeea)}
.sec--gold{background:var(--goldbg)}
.sec--blue{background:linear-gradient(180deg,#e7f1fb,#f3f8fb)}
.page-bg{background:linear-gradient(180deg,#e3f4f2 0%,#eef6f8 40%,#e7f1fb 100%)}
.sec-head{max-width:780px;margin-bottom:48px}
.sec-head p{font-size:19px;color:var(--muted)}
.svc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:38px;display:flex;flex-direction:column;gap:14px;transition:transform .3s,box-shadow .3s;text-decoration:none;color:var(--ink)}
.card:hover{transform:translateY(-6px);box-shadow:0 24px 48px rgba(16,35,61,.12);color:var(--ink)}
.card h3{font-size:26px;margin:0}
.card p{margin:0;color:var(--muted);font-size:17px}
.card .more{margin-top:auto;font-weight:700;font-family:var(--disp)}
.tile-ic{width:72px;height:72px;border-radius:18px;display:flex;align-items:center;justify-content:center}
.tile-ic svg{width:40px;height:40px}
.c-navy{background:var(--navy);border:0;color:#fff}.c-navy h3{color:#fff}.c-navy p{color:#c9d8e8}.c-navy .more{color:var(--gold)}.c-navy:hover{color:#fff}.c-navy .tile-ic{background:rgba(255,255,255,.12);color:var(--gold)}
.c-blue{background:var(--bluebg);border:0;border-top:8px solid var(--blue)}.c-blue .tile-ic{background:var(--blue);color:#fff}.c-blue .more{color:var(--blue)}
.c-gold{background:var(--goldbg);border:0;border-top:8px solid var(--gold)}.c-gold .tile-ic{background:var(--gold);color:var(--ink)}.c-gold .more{color:var(--goldtx)}
.c-teal{background:var(--tealbg);border:0;border-top:8px solid var(--teal)}.c-teal .tile-ic{background:var(--teal);color:#fff}.c-teal .more{color:var(--teal)}
/* how it works */
.how{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:64px;align-items:start}
.sticky-col{position:sticky;top:140px}
.steps{display:flex;flex-direction:column;gap:20px}
.step{display:flex;gap:24px;align-items:center;padding:28px;border-radius:20px;background:#fff;box-shadow:0 10px 30px rgba(13,47,87,.08)}
.step .num{font-family:var(--disp);font-weight:800;font-size:30px;color:#fff;line-height:1;width:72px;height:72px;border-radius:18px;display:flex;align-items:center;justify-content:center;flex:none;background:var(--teal)}
.step:nth-child(2) .num{background:var(--blue)}.step:nth-child(3) .num{background:var(--gold);color:var(--ink)}.step:nth-child(4) .num{background:var(--navy)}
.step h3{margin:0 0 6px}.step p{margin:0;color:var(--muted);font-size:17px}
/* local band */
.band{background:var(--teal);color:#fff}
.band .wrap{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:64px;padding-top:96px;padding-bottom:96px;align-items:center}
.band h2{color:#fff}.band p{color:#e3f4f2}.band a{color:#fff}
.band-tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.band-tiles a{background:rgba(255,255,255,.12);border-radius:16px;padding:18px;text-decoration:none;color:#fff;transition:background .2s}
.band-tiles a:hover{background:rgba(255,255,255,.22)}
.band-tiles b{display:block;font-family:var(--disp);font-size:18px;line-height:1.2;margin-bottom:4px}.band-tiles span{font-size:14px;color:#d4efec;line-height:1.4;display:block}
/* FAQ */
.sec--faq{background:var(--navy)}
.sec--faq h2{color:#fff}.sec--faq h2 em{font-style:normal;color:var(--gold)}
.faq{display:flex;flex-direction:column;gap:14px;max-width:900px}
.faq details{background:#fff;border-radius:18px;padding:0 28px;border-top:6px solid var(--teal)}
.faq details:nth-child(3n+2){border-top-color:var(--blue)}.faq details:nth-child(3n+3){border-top-color:var(--gold)}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 0;font-family:var(--disp);font-weight:700;font-size:19px;color:var(--ink);cursor:pointer;min-height:44px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";width:40px;height:40px;flex:none;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;line-height:1}
.faq details:nth-child(3n+2) summary::after{background:var(--blue)}.faq details:nth-child(3n+3) summary::after{background:#c98a12}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 22px;color:var(--muted);font-size:17px}
.faq-light .faq details{border:1px solid var(--line);border-top-width:6px}
/* CTA band */
.ctaband{background:var(--gold);border-radius:28px;padding:56px 64px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.ctaband h2{color:var(--ink);font-size:clamp(28px,3vw,42px);margin:0 0 8px}.ctaband p{margin:0;color:#3a2c0d}
/* article layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;padding-top:80px;padding-bottom:100px;align-items:start}
.article{background:#fff;border-radius:28px;padding:52px;box-shadow:0 20px 50px rgba(13,47,87,.08)}
.article h2::after,.prose h2::after{content:"";display:block;width:56px;height:5px;border-radius:3px;background:var(--gold);margin-top:14px}
.article h2:nth-of-type(3n+2)::after,.prose h2:nth-of-type(3n+2)::after{background:var(--teal)}.article h2:nth-of-type(3n)::after,.prose h2:nth-of-type(3n)::after{background:var(--blue)}
.article h2{font-size:clamp(28px,3vw,38px);margin-top:1.4em}
.article h2:first-child{margin-top:0}
.article p{color:#24405f}
.checks{list-style:none;padding:0;margin:0 0 1.2em;display:grid;gap:10px}
.checks li{display:flex;gap:12px;align-items:flex-start;background:var(--sky);border-radius:12px;padding:14px 16px}
.checks svg{width:24px;height:24px;color:var(--teal);flex:none;margin-top:2px}
.nsteps{list-style:none;counter-reset:n;padding:0;margin:0 0 1em;display:grid;gap:12px}
.nsteps li{counter-increment:n;display:flex;gap:18px;align-items:flex-start;background:var(--sky);border-radius:16px;padding:18px 20px}
.nsteps li::before{content:counter(n,decimal-leading-zero);font-family:var(--disp);font-weight:800;font-size:28px;color:var(--teal);line-height:1;min-width:44px}
.nsteps b{display:block;font-family:var(--disp);color:var(--navy);font-size:19px}
.cta-box{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:linear-gradient(90deg,var(--tealbg),var(--bluebg));border-radius:18px;padding:24px 28px;margin:28px 0}
.cta-box p{margin:0;font-weight:600;color:var(--navy)}
.tipbox{background:var(--goldbg);border-radius:18px;padding:26px 28px;margin:28px 0}
.tipbox h3{margin:0 0 6px}.tipbox p{margin:0}
.picks{list-style:none;padding:0;display:grid;gap:12px}
.picks li{border-radius:16px;padding:18px 22px;background:var(--tealbg)}
.picks li:nth-child(2){background:var(--bluebg)}.picks li:nth-child(3){background:var(--goldbg)}
.picks a{font-family:var(--disp);font-weight:800;font-size:19px;text-decoration:none}
.picks p{margin:4px 0 0;font-size:16px}
.refs{font-size:14px;color:#5b7390}
.areas-list{list-style:none;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.areas-list li{border-radius:14px;padding:14px 18px;background:var(--bluebg)}
.areas-list li:nth-child(even){background:var(--tealbg)}
.areas-list a{font-weight:700;font-family:var(--disp);text-decoration:none;display:block}
.areas-list span{font-size:15px;color:var(--muted)}
.side{display:flex;flex-direction:column;gap:20px;position:sticky;top:130px}
.box{border-radius:20px;padding:26px;background:#fff;box-shadow:0 10px 30px rgba(13,47,87,.07)}
.box h3{font-size:20px}
.box ul{list-style:none;padding:0;margin:0;display:grid;gap:4px}
.box ul a{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--ink);font-weight:600;padding:8px 0}
.box ul a[aria-current]{color:var(--teal)}
.dot{width:12px;height:12px;border-radius:50%;flex:none}
.box--call{background:var(--navy);color:#fff}.box--call h3{color:#fff}.box--call p{color:#c9d8e8;font-size:16px}
.box--call .num{display:block;color:var(--gold);font-family:var(--disp);font-weight:800;font-size:26px;text-decoration:none;margin-bottom:14px}
.box--nudge{background:var(--goldbg)}.box--nudge p{font-size:16px}
.prose{max-width:900px;margin:80px auto 100px;background:#fff;border-radius:28px;padding:52px;box-shadow:0 20px 50px rgba(13,47,87,.08)}
.prose h2{font-size:clamp(26px,3vw,34px);margin-top:1.3em}
.form{background:var(--sky);border-radius:24px;padding:34px}
.form fieldset{border:0;padding:0;margin:0;display:grid;gap:16px}
.form .off{background:var(--goldbg);border-radius:12px;padding:14px 16px;font-weight:600}
.hp{display:none}
/* footer */
.foot{background:var(--navy2);color:#c9d8e8;padding:72px 0 110px;font-size:15px}
.foot a{color:#c9d8e8;text-decoration:none}.foot a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:minmax(0,1.6fr) repeat(3,minmax(0,1fr));gap:40px}
.foot-grid>div{min-width:0}
.foot h4{color:#fff;font-size:17px;margin-bottom:12px}
.foot ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot .logo .nm b{color:#fff}.foot .logo .nm small{color:var(--teal2)}
.fcall{display:block;color:var(--gold)!important;font-family:var(--disp);font-weight:800;font-size:26px;margin:16px 0 4px}
.foot .mail{overflow-wrap:anywhere}
.disc{border-top:1px solid #1f3d61;margin-top:44px;padding-top:24px;font-size:14px;line-height:1.6}
.legal{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:18px;font-size:14px}
.mbar{display:none}
/* scroll reveal */
@supports (animation-timeline: view()){
.rv{animation:rise linear both;animation-timeline:view();animation-range:entry 0% entry 70%}
.rv-l{animation:fromleft linear both;animation-timeline:view();animation-range:entry 0% entry 70%}
.rv-r{animation:fromright linear both;animation-timeline:view();animation-range:entry 0% entry 70%}
.grow{animation:widen linear both;animation-timeline:view();animation-range:entry 10% cover 45%}
}
.js-io .rv,.js-io .rv-l,.js-io .rv-r{opacity:0;transform:translateY(40px);transition:opacity .7s ease,transform .7s ease}
.js-io .in{opacity:1!important;transform:none!important}
@keyframes rise{from{opacity:0;transform:translateY(60px) scale(.97)}to{opacity:1;transform:none}}
@keyframes fromleft{from{opacity:0;transform:translateX(-80px)}to{opacity:1;transform:none}}
@keyframes fromright{from{opacity:0;transform:translateX(80px)}to{opacity:1;transform:none}}
@keyframes widen{from{clip-path:inset(0 18% round 28px)}to{clip-path:inset(0 0 round 0)}}
@media (prefers-reduced-motion:reduce){.rv,.rv-l,.rv-r,.grow,.float,.cloud,.marquee-track{animation:none!important}.js-io .rv,.js-io .rv-l,.js-io .rv-r{opacity:1;transform:none}}
/* responsive */
@media (max-width:1300px){.mainnav{gap:18px}.ni>a{font-size:15px;letter-spacing:.04em}.mainnav .btn{padding:0 20px;font-size:16px;min-height:52px}.logo .nm b{font-size:24px}.logo img{width:60px;height:60px}.hdr .wrap{gap:16px}}
@media (max-width:1060px){.mainnav{display:none}.menu-btn{display:inline-flex}.hdr .wrap{position:relative}.layout{grid-template-columns:1fr}.side{position:static}}
@media (max-width:900px){
.hero .wrap,.how,.band .wrap{grid-template-columns:1fr}
.svc-grid{grid-template-columns:1fr}
.sticky-col{position:static}
.foot-grid{grid-template-columns:1fr 1fr}
.hero .wrap{padding-bottom:110px}
.float{animation:none}
}
@media (max-width:600px){
body{font-size:17px}
.wrap{padding:0 20px}
.logo img{width:54px;height:54px}.logo .nm b{font-size:21px}.logo .nm small{font-size:11px;letter-spacing:.24em}
.topbar span{display:none}.topbar .wrap{justify-content:center}
.sec{padding:76px 0}
.card,.qcard,.form,.article{padding:24px}
.prose{padding:26px;margin:40px 16px 70px}
.step{padding:20px;gap:16px}.step .num{font-size:24px;width:56px;height:56px}
.areas-list,.row2{grid-template-columns:1fr}.band-tiles{grid-template-columns:1fr 1fr}
.ctaband{padding:36px 26px}
.foot-grid{grid-template-columns:1fr}
.faq details{padding:0 18px}.faq summary{font-size:17px}
.mbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:40;box-shadow:0 -8px 20px rgba(16,35,61,.15)}
.mbar a{display:flex;gap:8px;align-items:center;justify-content:center;min-height:58px;font-weight:800;font-family:var(--disp);text-decoration:none;font-size:17px}
.m-call{background:var(--navy);color:#fff}.m-est{background:var(--gold);color:var(--ink)}
}
h2[id]{scroll-margin-top:150px}