:root{
--blue:#0A5FB9;--blue-600:#0952A1;--blue-700:#084585;--blue-800:#063766;--blue-900:#05284B;
--blue-50:#EEF5FD;--blue-100:#DCEAFA;--blue-200:#BCD6F3;
--char:#4E4E4E;--char-900:#232628;--char-700:#3A3D40;--ink:#1F2933;--muted:#5B6672;
--bg:#F5F8FC;--line:#E2E8F0;--white:#fff;--ok:#0A7A4B;
--r-sm:10px;--r:16px;--r-lg:24px;
--sh-sm:0 1px 2px rgba(16,24,40,.06),0 1px 3px rgba(16,24,40,.08);
--sh:0 12px 32px -12px rgba(16,40,80,.22);
--sh-lg:0 30px 60px -20px rgba(5,40,75,.45);
--font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
--font-h:"Montserrat","Inter",system-ui,sans-serif;
--hdr:136px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:110px}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
h1,h2,h3{text-wrap:balance;font-family:var(--font-h);letter-spacing:-.02em;line-height:1.15;color:var(--char-900)}
.container{max-width:1240px;margin:0 auto;padding:0 28px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;z-index:100;border-radius:8px}
.skip:focus{left:8px}
:focus-visible{outline:3px solid rgba(10,95,185,.5);outline-offset:2px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;cursor:pointer;text-decoration:none;font-family:var(--font);font-weight:700;border-radius:12px;padding:15px 26px;font-size:1rem;line-height:1.2;transition:background .2s,transform .2s,box-shadow .2s,color .2s}
.btn svg{width:18px;height:18px;flex:none}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 22px -10px rgba(10,95,185,.8)}
.btn-primary:hover{background:var(--blue-700);transform:translateY(-2px);box-shadow:0 14px 26px -10px rgba(10,95,185,.85)}
.btn-ghost{background:rgba(255,255,255,.1);color:#fff;border:1.5px solid rgba(255,255,255,.45)}
.btn-ghost:hover{background:rgba(255,255,255,.2);transform:translateY(-2px)}
.btn-white{background:#fff;color:var(--blue-700)}
.btn-white:hover{background:var(--blue-50);transform:translateY(-2px)}
.btn-lg{padding:18px 30px;font-size:1.08rem}

/* Header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid transparent;transition:box-shadow .25s,border-color .25s}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:20px;height:var(--hdr);transition:height .25s ease}
.logo{display:flex;align-items:center;flex:none}
.logo img{height:112px;width:auto;transition:height .25s ease}
.site-header.scrolled{box-shadow:0 8px 24px -16px rgba(16,40,80,.35);border-color:var(--line)}
.site-header.scrolled .container{height:96px}
.site-header.scrolled .logo img{height:76px}
.nav{display:flex;align-items:center;gap:30px}
.nav a.nl{font-weight:600;font-size:.95rem;color:var(--char-700);text-decoration:none;position:relative;padding:6px 0}
.nav a.nl::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--blue);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.nav a.nl:hover{color:var(--blue)}
.nav a.nl:hover::after{transform:scaleX(1)}
.hdr-call{display:flex;align-items:center;gap:12px;text-decoration:none;background:var(--blue);color:#fff;border-radius:14px;padding:10px 18px 10px 12px;transition:background .2s,transform .2s;box-shadow:0 10px 22px -12px rgba(10,95,185,.9)}
.hdr-call:hover{background:var(--blue-700);transform:translateY(-1px)}
.hdr-call .ic{width:36px;height:36px;border-radius:10px;background:rgba(255,255,255,.16);display:grid;place-items:center}
.hdr-call .ic svg{width:18px;height:18px}
.hdr-call small{display:block;font-size:.7rem;font-weight:600;opacity:.85;letter-spacing:.04em;text-transform:uppercase;line-height:1.2}
.hdr-call strong{display:block;font-size:1.05rem;line-height:1.25}

/* Hero */
.hero{position:relative;color:#fff;isolation:isolate;overflow:hidden;background:var(--blue-900)}
.hero-bg{position:absolute;inset:0;z-index:-2;background:url("img/hero-home.webp") center 60%/cover no-repeat}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:
 linear-gradient(100deg,rgba(5,30,58,.94) 0%,rgba(6,45,88,.86) 38%,rgba(8,69,133,.55) 62%,rgba(8,69,133,.25) 100%),
 linear-gradient(0deg,rgba(5,30,58,.55),transparent 40%)}
.hero .container{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;align-items:center;padding-top:22px;padding-bottom:32px;min-height:min(calc(100vh - var(--hdr)),860px)}
.pill{display:inline-flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:.76rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;padding:8px 16px;border-radius:999px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);backdrop-filter:blur(4px)}
.pill i{font-style:normal;color:#8EC2FF}
.hero h1{color:#fff;font-size:clamp(2.3rem,3.9vw,3.4rem);font-weight:800;margin:20px 0 18px;line-height:1.07}
.hero h1 .hl{color:#9CCBFF}
.hero .lead{font-size:1.18rem;color:#DCE9F8;max-width:560px;margin:0 0 28px}
.checks{list-style:none;padding:0;margin:0 0 30px;display:grid;grid-template-columns:1fr 1fr;gap:12px 24px;max-width:540px}
.checks li{display:flex;align-items:center;gap:10px;font-weight:600;color:#fff}
.checks svg{width:22px;height:22px;flex:none;color:#8EC2FF}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hero-phone{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:700}
.hero-phone span{display:block;font-size:.8rem;font-weight:500;color:#C5DAF2}

/* Form card */
.form-card{background:#fff;color:var(--ink);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:24px 26px 18px;position:relative}
.form-card::before{content:"";position:absolute;left:30px;right:30px;top:0;height:4px;border-radius:0 0 6px 6px;background:linear-gradient(90deg,var(--blue),#4C9BEF)}
.form-card h2{font-size:1.45rem;margin:2px 0 2px}
.form-card .sub{margin:0 0 14px;color:var(--muted);font-size:.94rem}
.field{margin-bottom:10px}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lbl{display:block;font-weight:600;font-size:.82rem;margin-bottom:4px;color:var(--char-700)}
.opt{color:var(--muted);font-weight:400}
.inp{width:100%;padding:10px 13px;border:1.5px solid #D3DBE5;border-radius:11px;font:inherit;font-size:.98rem;background:#FAFCFE;color:var(--ink);transition:border-color .2s,box-shadow .2s,background .2s}
.inp::placeholder{color:#97A2AE}
.inp:focus{outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px rgba(10,95,185,.14)}
.inp-icon{position:relative}
.inp-icon svg{position:absolute;left:13px;top:50%;transform:translateY(-50%);width:19px;height:19px;color:var(--blue)}
.inp-icon .inp{padding-left:42px}
textarea.inp{min-height:44px;height:44px;resize:vertical}
.consent{display:flex;gap:11px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:11px;padding:9px 12px;margin-bottom:8px;font-size:.74rem;color:#45505B;line-height:1.5}
.consent input{margin-top:2px;width:18px;height:18px;flex:none;accent-color:var(--blue);cursor:pointer}
.consent label{cursor:pointer}
.consent a{font-weight:700}
.form-card .btn{width:100%;margin-top:4px;padding:15px 24px}
.secure{display:flex;align-items:center;justify-content:center;gap:7px;margin:9px 0 0;font-size:.78rem;color:var(--muted)}
.secure svg{width:14px;height:14px}

/* Trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust ul{list-style:none;margin:0 auto;padding:26px 28px;display:grid;grid-template-columns:repeat(5,1fr);gap:18px;max-width:1240px}
.trust li{display:flex;align-items:center;gap:12px;font-weight:700;color:var(--char-900);font-size:.98rem}
.trust .ti{width:46px;height:46px;border-radius:13px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;flex:none}
.trust svg{width:23px;height:23px}

/* Sections */
section{padding:104px 0}
.alt{background:var(--bg)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--blue);border-radius:2px}
.sec-head{max-width:720px;margin:0 auto 56px;text-align:center}
.sec-head .eyebrow::after{content:"";width:22px;height:2px;background:var(--blue);border-radius:2px}
.sec-head h2,.split h2{font-size:clamp(1.9rem,3.2vw,2.75rem);font-weight:800;margin:0 0 14px}
.sec-head p{color:var(--muted);font-size:1.1rem;margin:0}

/* Situations */
.sit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.sit{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;transition:transform .25s,box-shadow .25s,border-color .25s}
.sit:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:var(--blue-200)}
.sit .si{width:56px;height:56px;border-radius:16px;background:linear-gradient(140deg,var(--blue),#3F8FE6);color:#fff;display:grid;place-items:center;margin-bottom:18px;box-shadow:0 10px 20px -10px rgba(10,95,185,.8)}
.sit .si svg{width:27px;height:27px}
.sit h3{font-size:1.18rem;margin:0 0 8px}
.sit p{margin:0;color:var(--muted);font-size:.98rem}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.split p{color:var(--muted);font-size:1.07rem}
.media{position:relative}
.media img{border-radius:var(--r-lg);box-shadow:var(--sh);width:100%;aspect-ratio:4/3;object-fit:cover}
.media .float{position:absolute;right:-22px;bottom:-26px;width:46%;border:6px solid #fff;border-radius:20px;box-shadow:var(--sh)}
.media .float img{border-radius:14px;box-shadow:none}
.tick{list-style:none;padding:0;margin:24px 0 32px;display:grid;gap:14px}
.tick li{display:flex;gap:12px;align-items:flex-start;font-weight:600;color:var(--char-900)}
.tick svg{width:24px;height:24px;flex:none;color:var(--blue);margin-top:1px}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;position:relative;counter-reset:s}
.steps::before{content:"";position:absolute;top:36px;left:16.6%;right:16.6%;height:2px;background:repeating-linear-gradient(90deg,var(--blue-200) 0 10px,transparent 10px 18px);z-index:0}
.step{text-align:center;position:relative;z-index:1;padding:0 10px}
.step .num{width:72px;height:72px;border-radius:50%;margin:0 auto 22px;background:#fff;border:2px solid var(--blue-100);display:grid;place-items:center;font-family:var(--font-h);font-weight:800;font-size:1.5rem;color:var(--blue);box-shadow:0 0 0 8px var(--bg),var(--sh)}
.alt .step .num{box-shadow:0 0 0 8px var(--bg),var(--sh)}
.step h3{font-size:1.22rem;margin:0 0 8px}
.step p{color:var(--muted);margin:0 auto;max-width:320px}
.center-cta{text-align:center;margin-top:52px}

/* Compare */
.compare-wrap{max-width:980px;margin:0 auto;background:#fff;border-radius:var(--r-lg);box-shadow:var(--sh);overflow:hidden;border:1px solid var(--line)}
table.compare{width:100%;border-collapse:collapse;font-size:1rem}
.compare th,.compare td{padding:18px 24px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.compare thead th{font-family:var(--font-h);font-size:1.02rem;color:var(--char-900);background:#fff}
.compare thead th.us{background:var(--blue);color:#fff}
.compare tbody th{font-weight:700;color:var(--char-900);width:24%;background:#FBFCFE}
.compare td.us{background:var(--blue-50);color:var(--char-900);font-weight:600}
.compare td{color:var(--muted)}
.compare tr:last-child th,.compare tr:last-child td{border-bottom:0}
.compare .yes,.compare .no{display:inline-flex;align-items:flex-start;gap:9px}
.compare .yes svg{color:var(--blue);width:20px;height:20px;flex:none;margin-top:2px}
.compare .no svg{color:#98A2AE;width:20px;height:20px;flex:none;margin-top:2px}
.note{text-align:center;color:var(--muted);font-size:.86rem;margin:18px auto 0;max-width:760px}

/* Areas */
.areas{display:grid;grid-template-columns:1fr 1.25fr;gap:56px;align-items:start}
.county-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}
.county{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;display:flex;gap:12px;align-items:center;font-weight:700;color:var(--char-900)}
.county svg{width:22px;height:22px;color:var(--blue);flex:none}
.county small{display:block;font-weight:500;color:var(--muted);font-size:.82rem}
.city-card{background:linear-gradient(150deg,var(--blue-800),var(--blue));color:#fff;border-radius:var(--r-lg);padding:38px;box-shadow:var(--sh-lg);position:relative;overflow:hidden}
.city-card::after{content:"";position:absolute;right:-80px;top:-80px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),transparent 70%)}
.city-card h3{color:#fff;margin:0 0 6px;font-size:1.35rem}
.city-card p{color:#CFE1F6;margin:0 0 22px}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.chips li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:8px 15px;font-weight:600;font-size:.93rem}

/* FAQ */
.faq{max-width:860px;margin:0 auto;display:grid;gap:14px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 26px;transition:box-shadow .2s,border-color .2s}
.faq details[open]{box-shadow:var(--sh);border-color:var(--blue-200)}
.faq summary{list-style:none;cursor:pointer;padding:22px 40px 22px 0;font-family:var(--font-h);font-weight:700;font-size:1.08rem;color:var(--char-900);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:0;top:50%;width:28px;height:28px;margin-top:-14px;border-radius:50%;background:var(--blue-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230A5FB9' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/16px no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 22px;color:var(--muted)}

/* CTA band */
.cta-band{padding:0 0 104px}
.cta-inner{background:linear-gradient(120deg,var(--blue-900) 0%,var(--blue-700) 55%,var(--blue) 100%);border-radius:28px;color:#fff;display:grid;grid-template-columns:1.3fr .7fr;overflow:hidden;box-shadow:var(--sh-lg);position:relative}
.cta-copy{padding:60px 56px}
.cta-copy h2{color:#fff;font-size:clamp(1.8rem,3vw,2.5rem);margin:0 0 12px;font-weight:800}
.cta-copy p{color:#D2E3F7;font-size:1.1rem;margin:0 0 28px;max-width:520px}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px}
.cta-img{background:url("img/keys.webp") center/cover;min-height:100%;position:relative}
.cta-img::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--blue-700),transparent 45%)}

/* Page hero (legal) */
.page-hero{background:linear-gradient(120deg,var(--blue-900),var(--blue-700) 60%,var(--blue));color:#fff;padding:72px 0 76px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.14),transparent 70%)}
.page-hero h1{color:#fff;margin:10px 0 8px;font-size:clamp(2rem,4vw,3rem);font-weight:800}
.page-hero p{margin:0;color:#D2E3F7}
.page-hero .eyebrow{color:#9CCBFF}.page-hero .eyebrow::before{background:#9CCBFF}
.legal-wrap{padding:64px 0 96px}
.legal{max-width:780px;margin:0 auto;padding:0 28px}
.legal>p:first-child{font-size:1.1rem;color:var(--char-700)}
.legal h2{font-size:1.4rem;margin:44px 0 12px;padding-top:30px;border-top:1px solid var(--line);color:var(--char-900)}
.legal h3{font-size:1.08rem;margin:26px 0 6px;color:var(--blue-700)}
.legal p,.legal li{color:#3E4A56}
.legal li{margin-bottom:4px}
.callout{background:var(--blue-50);border:1px solid var(--blue-200);border-left:4px solid var(--blue);border-radius:12px;padding:18px 20px;font-weight:600;color:var(--char-900)}
.thanks{padding:110px 0 120px;text-align:center}
.thanks .check{width:88px;height:88px;border-radius:50%;margin:0 auto 26px;background:linear-gradient(140deg,var(--blue),#3F8FE6);display:grid;place-items:center;color:#fff;box-shadow:0 0 0 12px var(--blue-50),var(--sh)}
.thanks .check svg{width:42px;height:42px}
.thanks h1{font-size:clamp(2rem,4vw,2.8rem);margin:0 0 12px}
.thanks p{color:var(--muted);font-size:1.1rem;max-width:560px;margin:0 auto 14px}
.thanks .acts{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:28px}
.btn-outline{background:#fff;color:var(--blue);border:1.5px solid var(--blue-200)}
.btn-outline:hover{border-color:var(--blue);transform:translateY(-2px)}

/* Footer */
.site-footer{background:var(--bg);border-top:1px solid var(--line);padding:72px 0 28px;color:var(--muted);font-size:.95rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot-logo{width:250px;height:auto;margin-bottom:16px}
.site-footer h4{font-family:var(--font-h);color:var(--char-900);font-size:.95rem;margin:6px 0 14px;letter-spacing:.02em}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.site-footer a{color:var(--char-700);text-decoration:none;font-weight:600}
.site-footer a:hover{color:var(--blue)}
.legal-name{font-weight:700;color:var(--char-900)}
.foot-bottom{margin-top:48px;padding-top:22px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.84rem}
.foot-bottom a{margin-left:18px}

/* Mobile bar */
.mbar{display:none}

/* Reveal */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.js .reveal{opacity:1;transform:none;transition:none}*{transition:none!important}}

/* Responsive */
@media (max-width:1100px){
 .nav a.nl{display:none}
 .hero .container{grid-template-columns:1fr 1fr;gap:36px}
 .trust ul{grid-template-columns:repeat(3,1fr)}
 .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
 :root{--hdr:100px}
 .hero .container{grid-template-columns:1fr;min-height:0;padding-top:44px;padding-bottom:48px}
 .split,.areas{grid-template-columns:1fr;gap:44px}
 .split .media{order:-1}
 .sit-grid{grid-template-columns:1fr 1fr}
 .cta-inner{grid-template-columns:1fr}.cta-img{min-height:220px;order:-1}.cta-img::before{background:linear-gradient(0deg,var(--blue-700),transparent 60%)}
 .logo img{height:80px}
 .site-header.scrolled .container{height:84px}.site-header.scrolled .logo img{height:64px}
}
@media (max-width:640px){
 body{font-size:16px;padding-bottom:76px}
 .container{padding:0 18px}
 :root{--hdr:88px}
 .logo img,.site-header.scrolled .logo img{height:72px}
 .site-header .container,.site-header.scrolled .container{height:88px}
 .hdr-call{padding:8px}
 .hdr-call .txt{display:none}
 .hdr-call .ic{width:40px;height:40px;background:transparent}
 .hdr-call .ic svg{width:22px;height:22px}
 .hero h1{font-size:2.15rem}
 .hero .lead{font-size:1.05rem}
 .checks{grid-template-columns:1fr 1fr;gap:10px 14px;font-size:.93rem;margin-bottom:26px}
 .hero-actions .btn{width:100%}
 .form-card{padding:24px 18px 20px}
 .form-card::before{left:18px;right:18px}
 .row-2{grid-template-columns:1fr}
 .trust ul{grid-template-columns:1fr 1fr;padding:22px 18px;gap:14px}
 .trust li{font-size:.9rem}
 .trust li:last-child{grid-column:1/-1}
 section{padding:72px 0}
 .sec-head{margin-bottom:38px}
 .sit-grid{grid-template-columns:1fr;gap:14px}
 .sit{padding:22px;display:grid;grid-template-columns:52px 1fr;gap:4px 16px;align-items:start}
 .sit .si{margin:0;grid-row:span 2;width:52px;height:52px}
 .steps{grid-template-columns:1fr;gap:36px}
 .steps::before{top:36px;bottom:36px;left:36px;right:auto;width:2px;height:auto;background:repeating-linear-gradient(180deg,var(--blue-200) 0 10px,transparent 10px 18px)}
 .step{text-align:left;display:grid;grid-template-columns:72px 1fr;gap:4px 20px;padding:0}
 .step .num{margin:0;grid-row:span 2}
 .step p{margin:0}
 .media .float{right:-6px;bottom:-18px}
 .compare th,.compare td{padding:13px 12px;font-size:.88rem}
 .compare tbody th{width:28%}
 .county-list{grid-template-columns:1fr}
 .city-card{padding:28px 22px}
 .cta-band{padding-bottom:72px}
 .cta-copy{padding:36px 24px}
 .cta-actions .btn{width:100%}
 .foot-grid{grid-template-columns:1fr;gap:28px}
 .foot-bottom a{margin:0 16px 0 0}
 .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:70;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -10px 24px -14px rgba(16,40,80,.35)}
 .mbar .btn{padding:13px 10px;font-size:.98rem}
 .mbar .btn-call{background:var(--char-900);color:#fff}
}

@media (max-width:640px){
 .pill{font-size:.64rem;letter-spacing:.1em;gap:7px;padding:7px 13px}
 .compare thead{display:none}
 .compare,.compare tbody{display:block}
 .compare tr{display:grid;grid-template-columns:1fr 1fr;border-bottom:1px solid var(--line)}
 .compare tr:last-child{border-bottom:0}
 .compare th[scope=row]{grid-column:1/-1;width:auto;padding:14px 16px 4px;border:0;background:#fff;font-size:.95rem}
 .compare td{display:block;padding:8px 14px 14px;border:0;font-size:.86rem}
 .compare td::before{content:attr(data-label);display:block;font-size:.66rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
 .compare td.us::before{color:var(--blue)}
}

/* ===== v3: short form, sub pages ===== */
.hero .container{grid-template-areas:"top form" "more form";grid-template-rows:1fr auto;column-gap:56px;row-gap:0}
.hero-top{grid-area:top;align-self:end}
.hero .form-card{grid-area:form;align-self:center}
.hero-more{grid-area:more;align-self:start}
.hero-sub .container{min-height:0;padding-top:48px;padding-bottom:56px}
details.more{margin:0 0 10px}
details.more summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;font-weight:700;font-size:.86rem;color:var(--blue);padding:2px 0 4px}
details.more summary::-webkit-details-marker{display:none}
details.more summary:hover{text-decoration:underline}
details.more[open] summary{margin-bottom:6px}
a.sit{display:block;text-decoration:none;color:inherit}
.sit .more-link{display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-weight:700;font-size:.92rem;color:var(--blue)}
.sit .more-link svg{width:16px;height:16px;transition:transform .2s}
a.sit:hover .more-link svg{transform:translateX(3px)}
.sit-grid-4{grid-template-columns:repeat(4,1fr)}
.guide-row{text-align:center;margin:34px auto 0;color:var(--muted);font-size:.95rem;max-width:900px}
.guide-row a{font-weight:700;text-decoration:none}
.guide-row a:hover{text-decoration:underline}
.guide-row i{font-style:normal;color:#A9B4C0;margin:0 6px}
.chips li a{color:#fff;text-decoration:none;display:block;margin:-8px -15px;padding:8px 15px;border-radius:999px}
.chips li:has(a){background:rgba(255,255,255,.2);border-color:rgba(255,255,255,.5)}
.chips li a:hover{background:#fff;color:var(--blue-700)}
.chips li a::after{content:" \2192";opacity:.7}
.crumbs{background:#fff;border-bottom:1px solid var(--line);font-size:.86rem;color:var(--muted)}
.crumbs .container{padding-top:12px;padding-bottom:12px}
.crumbs a{color:var(--char-700);text-decoration:none;font-weight:600}
.crumbs a:hover{color:var(--blue)}
.crumbs i{font-style:normal;margin:0 9px;color:#A9B4C0}
.prose-grid{display:grid;grid-template-columns:1.35fr .9fr;gap:64px;align-items:start}
.prose h2{font-size:clamp(1.7rem,2.8vw,2.3rem);font-weight:800;margin:0 0 16px}
.prose p{color:#3E4A56;font-size:1.06rem}
.guide h2{font-size:clamp(1.4rem,2.2vw,1.75rem);margin:40px 0 12px}
.guide h2:first-child{margin-top:0}
.tick-list{padding-left:0;list-style:none;margin:14px 0 18px;display:grid;gap:10px}
.tick-list li{position:relative;padding-left:30px;color:#3E4A56}
.tick-list li::before{content:"";position:absolute;left:0;top:4px;width:18px;height:18px;border-radius:50%;background:var(--blue-50) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230A5FB9' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12.5 4 4 8-9'/%3E%3C/svg%3E") center/12px no-repeat}
.fact-card{background:var(--bg);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;position:sticky;top:calc(96px + 24px)}
.fact-card h3{font-size:1.2rem;margin:0 0 14px}
.fact-card h3.mt{margin-top:28px}
.fact-card p{color:var(--muted);margin:0 0 18px}
.fact-card dl{margin:0}
.fact-card dt{font-weight:700;color:var(--char-900);margin-top:14px;display:flex;align-items:center;gap:8px}
.fact-card dt::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--blue)}
.fact-card dt:first-child{margin-top:0}
.fact-card dd{margin:4px 0 0 16px;color:#45505B;font-size:.95rem}
.side-links{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.side-links.cols{grid-template-columns:1fr 1fr}
.side-links a{font-weight:600;text-decoration:none}
.side-links a:hover{text-decoration:underline}
.disclaimer{margin-top:40px;padding:16px 18px;border-left:4px solid var(--blue);background:var(--bg);border-radius:0 12px 12px 0;font-size:.92rem!important;color:var(--muted)!important}
.foot-grid{grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:32px}
.foot-contact{margin-top:14px!important}
@media (max-width:1100px){.foot-grid{grid-template-columns:1fr 1fr 1fr}.foot-grid>div:first-child{grid-column:1/-1}.sit-grid-4{grid-template-columns:1fr 1fr}}
@media (max-width:900px){
 .hero .container{grid-template-areas:"top" "form" "more";grid-template-rows:auto;row-gap:22px;padding-top:28px}
 .hero-more{margin-top:8px}
 .prose-grid{grid-template-columns:1fr;gap:36px}
 .fact-card{position:static}
}
@media (max-width:640px){
 .hero .container{padding-top:14px;padding-bottom:40px;row-gap:14px}
 .hero-top .pill{display:none}
 .hero h1{font-size:1.72rem;margin:4px 0 0;line-height:1.12}
 .hero h1 .hl{display:block;font-size:1.2rem;margin-top:4px}
 .form-card{padding:16px 16px 12px}
 .form-card h2{font-size:1.2rem}
 .form-card .sub{display:none}
 .field{margin-bottom:8px}
 .lbl{font-size:.78rem;margin-bottom:3px}
 .inp{padding:9px 12px}
 .row-2{grid-template-columns:1fr 1fr;gap:10px}
 details.more{margin-bottom:8px}
 .consent{font-size:.7rem;line-height:1.42;padding:7px 10px;margin-bottom:6px;gap:9px}
 .form-card .btn{padding:13px 20px;margin-top:2px}
 .secure{margin-top:7px}
 .sit-grid-4{grid-template-columns:1fr}
 .foot-grid{grid-template-columns:1fr 1fr}
 .side-links.cols{grid-template-columns:1fr 1fr}
 .fact-card{padding:24px 20px}
 .guide-row i{margin:0 3px}
}
.secure{display:block;text-align:center}
.secure svg{display:inline-block;vertical-align:-2px;margin-right:5px}
.guide-row a{white-space:nowrap}.nw{white-space:nowrap}