:root{--blue:#0071e3;--link:#0066cc;--linkd:#2997ff;--ink:#1d1d1f;--mut:rgba(0,0,0,.8);--bg:#f5f5f7}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;font-size:17px;line-height:1.47;letter-spacing:-.374px;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{display:block}
a{color:var(--link);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:2px solid var(--blue);outline-offset:2px}
.wrap{max-width:980px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--ink);padding:10px 16px;z-index:99;border-radius:0 0 8px 0}
.skip:focus{left:0}
.topbar{background:#151a20;color:#f7f5f1;font-size:12px;letter-spacing:-.12px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:9px;padding-bottom:9px}
.topbar a{color:#f7f5f1;text-decoration:underline;text-underline-offset:2px}
.nav{position:sticky;top:0;z-index:60;background:rgba(0,0,0,.8);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px)}
.nav .wrap{display:flex;align-items:center;gap:26px;height:48px}
.logo{display:flex;align-items:center;gap:8px;color:#fff;font-size:14px;font-weight:600;letter-spacing:-.224px}
.logo:hover{text-decoration:none}
.logo svg{width:20px;height:20px;flex:none}
.menu{display:flex;gap:26px;list-style:none;margin-left:auto}
.menu a{font-size:12px;color:rgba(255,255,255,.8);letter-spacing:-.12px;padding:6px 0}
.menu a:hover,.menu a[aria-current]{color:#fff;text-decoration:none}
.btn-q{background:var(--blue);color:#fff;font-size:12px;padding:5px 14px;border-radius:980px}
.btn-q:hover{background:#0077ed;text-decoration:none}
.burger{display:none;margin-left:auto;background:none;border:0;color:#fff;padding:6px;cursor:pointer}
.burger svg{width:22px;height:22px;display:block}
.mnav{display:none;background:rgba(0,0,0,.96);padding:12px 22px 20px}
.mnav.open{display:block}
.mnav a{display:block;color:rgba(255,255,255,.85);font-size:17px;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.mnav .btn-q{display:inline-block;margin-top:14px;font-size:15px;padding:8px 18px;border:0}
.btn{display:inline-block;font-size:17px;letter-spacing:-.374px;border-radius:980px;padding:12px 24px;cursor:pointer;border:1px solid transparent}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#0077ed;text-decoration:none}
.btn-ghost{border-color:currentColor;background:transparent;color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);text-decoration:none}
.hero{background:#000;color:#fff;text-align:center;padding:88px 0 80px}
.kick{color:var(--linkd);font-size:14px;font-weight:600;letter-spacing:-.224px}
h1{font-size:56px;font-weight:600;line-height:1.07;letter-spacing:-.28px;max-width:840px;margin:14px auto 0}
.hero .sub{font-size:21px;line-height:1.19;letter-spacing:.231px;color:rgba(255,255,255,.8);max-width:660px;margin:18px auto 0}
.cta-row{margin-top:30px;display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.hero figure{margin:56px auto 0;max-width:980px}
.hero figcaption{font-size:12px;color:rgba(255,255,255,.56);margin-top:10px;letter-spacing:-.12px}
.stats{background:#000;color:#fff;padding:0 0 88px}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;border-top:1px solid rgba(255,255,255,.18);padding-top:44px}
.stats b{display:block;font-size:40px;font-weight:600;line-height:1.1;letter-spacing:-.28px}
.stats span{display:block;font-size:14px;color:rgba(255,255,255,.72);margin-top:6px;letter-spacing:-.224px}
.sec{padding:88px 0}
h2{font-size:40px;font-weight:600;line-height:1.1}
.center{text-align:center}
.lede{max-width:660px;margin:14px auto 0;color:var(--mut)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:46px}
.card{background:#fff;border-radius:12px;box-shadow:3px 5px 30px 0 rgba(0,0,0,.22);overflow:hidden}
.card .bd{padding:24px 24px 28px;text-align:center}
.card h3{font-size:28px;font-weight:400;line-height:1.14;letter-spacing:.196px}
.card p{font-size:14px;line-height:1.43;letter-spacing:-.224px;color:var(--mut);margin-top:10px}
.clinks{margin-top:16px;display:flex;justify-content:center;gap:22px}
.clinks a{font-size:14px;letter-spacing:-.224px}
.sec-dark{background:#000;color:#fff}
.sec-dark .lede{color:rgba(255,255,255,.8)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:46px}
.feat{background:#272729;border-radius:12px;padding:30px;text-align:left}
.feat h3{font-size:21px;font-weight:600;line-height:1.19;letter-spacing:.231px}
.feat p{margin-top:10px;font-size:17px;color:rgba(255,255,255,.75)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin-top:44px}
.split p{color:var(--mut);margin-top:14px}
.tags{margin-top:18px}
.tag{display:inline-block;background:#e8e8ed;border-radius:980px;padding:6px 14px;font-size:12px;letter-spacing:-.12px;margin:0 6px 8px 0}
.quote{background:#000;color:#fff;text-align:center;padding:88px 0}
.quote p{color:rgba(255,255,255,.8);max-width:620px;margin:16px auto 26px}
.gridc{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;margin-top:40px;align-items:start}
.mail{font-size:21px;font-weight:600;letter-spacing:.231px;word-break:break-all}
.facts{list-style:none;margin-top:24px}
.facts li{padding:12px 0;border-bottom:1px solid #d2d2d7;font-size:14px;letter-spacing:-.224px;display:flex;justify-content:space-between;gap:16px}
.facts b{font-weight:600}
.note{font-size:12px;letter-spacing:-.12px;color:var(--mut);margin-top:18px}
form{background:#fff;border-radius:12px;box-shadow:3px 5px 30px 0 rgba(0,0,0,.22);padding:28px}
label{display:block;font-size:14px;font-weight:600;letter-spacing:-.224px;margin:14px 0 6px}
label:first-child{margin-top:0}
input,textarea{width:100%;font:inherit;font-size:17px;letter-spacing:-.374px;padding:11px 12px;border:1px solid #d2d2d7;border-radius:8px;background:#fff;color:var(--ink)}
textarea{resize:vertical;min-height:120px}
input:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
form .btn{width:100%;margin-top:20px;border:0}
.formok{margin-top:14px;background:var(--bg);border-radius:8px;padding:10px 14px;font-size:14px}
footer.site{background:#151a20;color:#f7f5f1;padding:52px 0 28px;font-size:12px;letter-spacing:-.12px}
footer.site a{color:inherit;opacity:.85}
footer.site a:hover{opacity:1}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
footer h3{font-size:12px;font-weight:600;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:8px}
.fbrand p{margin-top:10px;color:rgba(247,245,241,.72);max-width:300px}
.fbottom{margin-top:40px;border-top:1px solid rgba(247,245,241,.16);padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;color:rgba(247,245,241,.72)}
@media(max-width:880px){.menu,.nav>.wrap>.btn-q{display:none}.burger{display:block}}
@media(max-width:900px){.grid3{grid-template-columns:1fr;max-width:480px;margin-left:auto;margin-right:auto}.grid2,.split,.gridc{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}.stats .wrap{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:560px){h1{font-size:40px}h2{font-size:28px}.hero,.sec,.quote{padding:64px 0}.fgrid{grid-template-columns:1fr}.card h3{font-size:24px}.stats b{font-size:28px}.logo span{display:none}}

.container,.section-inner{max-width:980px;margin:0 auto;padding:0 22px}
.narrow{max-width:720px;margin:0 auto}
.section{padding:88px 0}
.content-section{padding:56px 0}
.steps-section{padding:88px 0}
.quote-section{padding:88px 0}
.section-alt,.alt-bg,.sec-light{background:#fff}
.section-intro{max-width:660px;margin:0 auto 44px;text-align:center}
.section-intro p{color:var(--mut);margin-top:12px}
.eyebrow{display:block;font-size:14px;font-weight:600;letter-spacing:-.224px;color:var(--blue)}
.sec-dark .eyebrow{color:var(--linkd)}
.lead{font-size:21px;line-height:1.38;letter-spacing:-.2px;color:var(--mut);max-width:660px;margin-top:12px}
.meta{font-size:12px;color:rgba(0,0,0,.56);letter-spacing:-.12px;margin-top:12px}
.topbar-inner{max-width:980px;margin:0 auto;padding:9px 22px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.site-header{background:#fff;border-bottom:1px solid rgba(0,0,0,.08)}
.header-inner{max-width:1024px;margin:0 auto;padding:0 22px;display:flex;align-items:center;gap:24px;min-height:64px;flex-wrap:wrap}
.nav-row{display:flex;align-items:center;gap:24px;flex:1;flex-wrap:wrap}
.site-nav{display:flex;align-items:center;gap:24px;margin-left:auto;flex-wrap:wrap}
.main-nav,.mainnav{display:flex;align-items:center}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none;flex-wrap:wrap}
.nav-links a{font-size:14px;letter-spacing:-.224px;color:var(--mut);padding:8px 0}
.nav-links a:hover,.nav-links a[aria-current]{color:var(--ink);text-decoration:none}
.nav-cta{display:flex;align-items:center;gap:10px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink)}
.brand:hover{text-decoration:none}
.brand-mark{width:34px;height:34px;border-radius:9px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;flex:none}
.brand-text{font-size:17px;font-weight:600;letter-spacing:-.374px}
.brand-sub{display:block;font-size:11px;font-weight:400;letter-spacing:0;color:rgba(0,0,0,.56)}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:#0077ed;text-decoration:none}
.btn-secondary{background:rgba(0,0,0,.06);color:var(--ink)}
.btn-secondary:hover{background:rgba(0,0,0,.12);text-decoration:none}
.btn-outline{background:transparent;border-color:var(--blue);color:var(--blue)}
.btn-outline:hover{background:rgba(0,113,227,.08);text-decoration:none}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:rgba(255,255,255,.85);text-decoration:none}
.btn-nav{display:inline-block;background:var(--blue);color:#fff;font-size:14px;letter-spacing:-.224px;padding:8px 18px;border-radius:980px}
.btn-nav:hover{background:#0077ed;text-decoration:none}
.page-hero{background:#fff;padding:72px 0 56px;text-align:center;border-bottom:1px solid rgba(0,0,0,.06)}
.hero-inner{max-width:840px;margin:0 auto;padding:0 22px}
.page-hero h1{font-size:48px;letter-spacing:-.24px}
.page-hero .lead{margin:14px auto 0}
.reason-grid,.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:46px}
.reason-card{background:#fff;border-radius:12px;padding:28px;box-shadow:3px 5px 30px 0 rgba(0,0,0,.12)}
.reason-card h3{font-size:21px;font-weight:600;letter-spacing:.231px}
.reason-card p{margin-top:10px;font-size:15px;line-height:1.45;color:var(--mut)}
.info-card{background:#fff;border-radius:12px;padding:26px;box-shadow:0 2px 12px rgba(0,0,0,.08)}
.info-card h3{font-size:19px;font-weight:600;margin-bottom:8px}
.info-card p{font-size:15px;color:var(--mut)}
.steps-inner{max-width:980px;margin:0 auto;padding:0 22px}
.step-card{background:#fff;border-radius:12px;padding:28px;box-shadow:0 2px 12px rgba(0,0,0,.08)}
.step-card h3{font-size:19px;font-weight:600}
.step-card p{margin-top:8px;font-size:15px;color:var(--mut)}
.steps-list,.process-list{list-style:none;max-width:760px;margin-top:40px}
.steps-list{counter-reset:step}
.steps-list li{counter-increment:step;position:relative;padding:0 26px 30px 56px}
.steps-list li::before{content:counter(step);position:absolute;left:0;top:-2px;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;font-size:15px;font-weight:600;display:flex;align-items:center;justify-content:center}
.process-list{counter-reset:proc}
.process-list li{counter-increment:proc;position:relative;padding:0 0 26px 54px}
.process-list li::before{content:counter(proc);position:absolute;left:0;top:-2px;width:34px;height:34px;border-radius:50%;background:#e8e8ed;font-size:14px;font-weight:600;display:flex;align-items:center;justify-content:center}
.steps-list h3,.process-list h3{font-size:19px;font-weight:600}
.steps-list p,.process-list p{margin-top:6px;font-size:15px;color:var(--mut)}
.detail-list{list-style:none;margin-top:18px}
.detail-list li{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid rgba(0,0,0,.08);font-size:15px}
.detail-list li:last-child{border-bottom:0}
.detail-list b{font-weight:600}
.faq-section{padding:88px 0;background:#fff}
.faq-inner{max-width:820px;margin:0 auto;padding:0 22px}
.faq-item{background:var(--bg);border-radius:12px;padding:20px 24px;margin-top:14px}
.faq-item summary{font-size:17px;font-weight:600;cursor:pointer;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item h3{font-size:17px;font-weight:600}
.faq-item p{margin-top:10px;font-size:15px;color:var(--mut)}
.toc{background:#fff;border-radius:12px;padding:22px 24px;box-shadow:0 2px 12px rgba(0,0,0,.08);font-size:14px;position:sticky;top:76px}
.toc h2{font-size:15px;font-weight:600;letter-spacing:-.12px}
.toc ul{list-style:none;margin-top:10px}
.toc li{margin:8px 0}
.policy-layout{display:grid;grid-template-columns:260px minmax(0,1fr);gap:40px;align-items:start;padding:56px 0}
.policy-body{font-size:15px;line-height:1.6}
.policy-body h2{font-size:24px;line-height:1.2;margin:36px 0 10px}
.policy-body h2:first-child{margin-top:0}
.policy-body h3{font-size:18px;font-weight:600;margin:26px 0 8px}
.policy-body p{margin:12px 0}
.policy-body ul{margin:12px 0 12px 22px}
.policy-body li{margin:6px 0}
.abn-card{background:#fff;border-radius:12px;padding:20px 24px;box-shadow:0 2px 12px rgba(0,0,0,.08);margin-top:32px;font-size:14px;color:var(--mut)}
.abn-card b{color:var(--ink)}
.abn-note{font-size:13px;color:rgba(0,0,0,.56);background:var(--bg);border-radius:10px;padding:14px 18px;margin-top:24px;line-height:1.5}
.cta-section{padding:88px 0;background:#000;color:#fff;text-align:center}
.cta-band{background:#000;color:#fff;padding:72px 0;text-align:center}
.cta-banner{background:var(--blue);color:#fff;border-radius:18px;padding:48px 32px;text-align:center}
.cta-inner{max-width:720px;margin:0 auto;padding:0 22px}
.cta-actions{display:flex;justify-content:center;gap:14px;flex-wrap:wrap;margin-top:28px}
.cta-section p,.cta-band p{color:rgba(255,255,255,.8);margin-top:12px;font-size:17px}
.contact-grid,.quote-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:32px;align-items:start;margin-top:46px}
.contact-form-wrap,.quote-form{background:#fff;border-radius:16px;padding:32px;box-shadow:0 2px 16px rgba(0,0,0,.08)}
.quote-form-col{min-width:0}
.contact-form label,.quote-form-col label{display:block;font-size:13px;font-weight:600;margin:16px 0 6px}
.contact-form input,.contact-form select,.contact-form textarea,.quote-form-col input,.quote-form-col select,.quote-form-col textarea{width:100%;padding:12px 14px;border:1px solid #d2d2d7;border-radius:10px;font:inherit;font-size:15px;color:var(--ink);background:#fff}
.contact-form textarea,.quote-form-col textarea{min-height:120px;resize:vertical}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus,.quote-form-col input:focus,.quote-form-col select:focus,.quote-form-col textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,227,.25)}
.contact-form .btn,.quote-form .btn{margin-top:20px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.checkbox-row{display:flex;align-items:flex-start;gap:10px;margin-top:16px;font-size:13px;color:var(--mut)}
.checkbox-row input{width:18px;height:18px;margin-top:2px;flex:none}
.radio-group{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:8px}
.radio-group label{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:400;margin:0}
.field-hint{font-size:12px;color:rgba(0,0,0,.56);margin-top:5px}
.req{color:#e30000}
.form-note{font-size:12px;color:rgba(0,0,0,.56);margin-top:16px}
.contact-details{background:var(--bg);border-radius:16px;padding:28px}
.contact-details h3{font-size:19px;font-weight:600}
.contact-details p{margin-top:10px;font-size:15px;color:var(--mut)}
.contact-details .detail-list{margin-top:14px}
.quote-aside{display:grid;gap:20px;align-content:start}
.aside-card{background:#fff;border-radius:16px;padding:26px;box-shadow:0 2px 16px rgba(0,0,0,.08)}
.aside-card h3{font-size:17px;font-weight:600}
.aside-card p{margin-top:8px;font-size:14px;line-height:1.45;color:var(--mut)}
.aside-quote{background:#000;color:#fff;border-radius:16px;padding:26px;font-size:17px;line-height:1.47;letter-spacing:-.2px}
.aside-quote cite{display:block;margin-top:12px;font-style:normal;font-size:13px;color:rgba(255,255,255,.6);letter-spacing:-.12px}
.next-steps{background:#fff;border-radius:16px;padding:28px;box-shadow:0 2px 16px rgba(0,0,0,.08);margin-top:46px}
.next-steps h3{font-size:19px;font-weight:600}
.next-steps ul{list-style:none;margin-top:12px}
.next-steps li{padding:10px 0;border-bottom:1px solid rgba(0,0,0,.08);font-size:15px}
.next-steps li:last-child{border-bottom:0}
.site-footer,.footer{background:#151a20;color:rgba(255,255,255,.72);font-size:13px;padding:56px 0 32px}
.site-footer a,.footer a{color:rgba(255,255,255,.72)}
.site-footer a:hover,.footer a:hover{color:#fff;text-decoration:none}
.footer-inner{max-width:980px;margin:0 auto;padding:0 22px}
.footer-grid,.footer-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.footer-brand{display:flex;align-items:center;gap:10px;color:#fff;font-size:15px;font-weight:600;margin-bottom:12px}
.footer-logo{width:28px;height:28px;border-radius:8px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px;flex:none}
.footer-col h3{font-size:13px;font-weight:600;color:#fff;margin-bottom:10px}
.footer-col a{display:block;padding:4px 0;font-size:13px}
.footer-note{font-size:12px;color:rgba(255,255,255,.5);line-height:1.55;margin-top:8px}
.footer-bottom{margin-top:40px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;font-size:12px;color:rgba(255,255,255,.5)}
.legal-links{display:flex;gap:18px;flex-wrap:wrap}
.legal-links a{font-size:12px;color:rgba(255,255,255,.72)}
@media(max-width:900px){.reason-grid,.steps-grid,.footer-grid,.footer-cols{grid-template-columns:repeat(2,1fr)}.contact-grid,.quote-grid,.policy-layout{grid-template-columns:1fr}.policy-layout{gap:24px}.toc{position:static}}
@media(max-width:620px){.reason-grid,.steps-grid,.footer-grid,.footer-cols,.form-row{grid-template-columns:1fr}.page-hero h1{font-size:36px}.contact-form-wrap,.quote-form{padding:24px}.cta-banner{padding:36px 22px}}