:root{
  --navy:#0B1F3A;
  --blue:#003087;
  --blue-dark:#001F5C;
  --red:#BF0A30;
  --red-dark:#93081F;
  --paper:#F3F5F8;
  --card:#FFFFFF;
  --slate:#54606E;
  --slate-light:#8792A0;
  --line:#DCE1E8;
  --radius:10px;
  --shadow:0 14px 34px -18px rgba(11,31,58,0.35);
}
*{box-sizing:border-box; margin:0; padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:Arial, Helvetica, sans-serif;
  color:var(--navy);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%; display:block;}
a{color:inherit;}
h1,h2,h3,h4{
  font-family:'Arial Black', Arial, Helvetica, sans-serif;
  font-weight:900;
  line-height:1.14;
  color:var(--navy);
  letter-spacing:-0.01em;
}
h2{font-size:clamp(28px,3.6vw,40px);}
h3{font-size:20px;}
.lede{font-size:18px; color:var(--slate); max-width:640px;}
.wrap{max-width:1180px; margin:0 auto; padding:0 28px;}
section{padding:88px 0;}
@media(max-width:720px){ section{padding:56px 0;} }

.eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:Arial, Helvetica, sans-serif;
  font-size:12.5px; letter-spacing:0.12em; text-transform:uppercase;
  color:var(--blue); font-weight:700;
  background:rgba(0,48,135,0.08);
  padding:6px 14px; border-radius:100px;
  margin-bottom:18px;
}
.eyebrow::before{content:""; width:7px; height:7px; background:var(--red);}
.eyebrow.on-dark{color:#fff; background:rgba(255,255,255,0.14);}
.eyebrow.on-dark::before{background:#fff;}

/* ---------- Header ---------- */
header{
  position:sticky; top:0; z-index:50;
  background:rgba(255,255,255,0.94);
  backdrop-filter:blur(8px);
  border-bottom:3px solid var(--blue);
}
.nav{display:flex; align-items:center; justify-content:space-between; padding:14px 0;}
.brand{display:flex; align-items:center; gap:11px; text-decoration:none;}
.brand-mark{height:42px; width:auto; flex:none; border-radius:5px;}
.brand-word{font-family:'Arial Black', Arial, sans-serif; font-weight:900; font-size:18px; line-height:1.05; color:var(--navy);}
.brand-word span{display:block; font-family:Arial, sans-serif; font-weight:400; font-size:10.5px; letter-spacing:0.06em; color:var(--slate); text-transform:uppercase; margin-top:2px;}
.nav-links{display:flex; align-items:center; gap:30px; font-size:14.5px; font-weight:700;}
.nav-links a{text-decoration:none; color:var(--navy); opacity:0.82; transition:opacity .15s;}
.nav-links a.active,.nav-links a:hover{opacity:1; color:var(--blue);}
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  font-family:Arial, Helvetica, sans-serif; font-weight:700; font-size:14.5px;
  padding:12px 22px; border-radius:8px; cursor:pointer; border:none;
  text-decoration:none; transition:transform .15s ease, box-shadow .15s ease;
}
.btn-primary{background:var(--red); color:#fff;}
.btn-primary:hover{transform:translateY(-1px); box-shadow:0 10px 22px -8px rgba(191,10,48,0.55); background:var(--red-dark);}
.btn-secondary{background:var(--blue); color:#fff;}
.btn-secondary:hover{background:var(--blue-dark); transform:translateY(-1px);}
.btn-ghost{background:transparent; color:var(--navy); border:1.5px solid var(--line);}
.btn-ghost:hover{border-color:var(--blue); color:var(--blue);}
.btn-block{width:100%;}
.menu-toggle{display:none; background:none; border:none; cursor:pointer;}
#mnav{display:none; flex-direction:column; padding:0 28px 20px; gap:14px; font-weight:700;}
#mnav a{text-decoration:none; color:var(--navy);}
@media(max-width:860px){
  .nav-links{display:none;}
  .menu-toggle{display:block;}
  .nav .btn-primary{display:none;}
}

/* ---------- Hero ---------- */
.hero{padding-top:60px; padding-bottom:36px;}
.hero-grid{display:grid; grid-template-columns:1.05fr 0.95fr; gap:56px; align-items:center;}
@media(max-width:900px){ .hero-grid{grid-template-columns:1fr;} }
.hero h1{font-size:clamp(32px,4.6vw,50px);}
.hero .lede{margin-top:20px; font-size:19px;}
.hero-actions{display:flex; gap:14px; margin-top:32px; flex-wrap:wrap;}
.trust-row{display:flex; gap:22px; margin-top:34px; flex-wrap:wrap;}
.trust-item{display:flex; align-items:center; gap:8px; font-size:17px; color:var(--slate); font-weight:700;}
.trust-item svg{width:19px; height:19px; flex:none; color:var(--blue);}

.chart-card{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:26px 26px 20px; box-shadow:var(--shadow);}
.chart-head{display:flex; justify-content:space-between; align-items:baseline; margin-bottom:6px;}
.chart-head h4{font-size:14px; font-weight:900;}
.chart-head span{font-family:monospace; font-size:11px; color:var(--slate-light);}
.chart-sub{font-size:13px; color:var(--slate); margin-bottom:14px;}
.legend{display:flex; gap:18px; margin-top:10px; font-size:12.5px; font-weight:700;}
.legend span{display:inline-flex; align-items:center; gap:7px;}
.legend i{width:14px; height:3px; border-radius:2px; display:inline-block;}

/* ---------- Trust bar ---------- */
.trustbar{background:var(--navy); color:#fff; padding:36px 0;}
.trustbar .wrap{display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:center;}
@media(max-width:760px){ .trustbar .wrap{grid-template-columns:repeat(2,1fr);} }
.stat-num{font-family:'Arial Black',Arial,sans-serif; font-size:clamp(22px,2.8vw,30px); color:#fff;}
.stat-label{font-size:12.5px; color:#B9C3D4; margin-top:4px;}

/* ---------- Plan cards ---------- */
.section-head{max-width:640px; margin-bottom:52px;}
.plans-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:24px;}
.plans-grid.two-col{grid-template-columns:repeat(2,1fr); max-width:880px; margin:0 auto;}
@media(max-width:900px){ .plans-grid{grid-template-columns:1fr;} }
.plan-card{background:var(--card); border:1px solid var(--line); border-top:4px solid var(--blue); border-radius:var(--radius); padding:30px 26px; display:flex; flex-direction:column; gap:16px; transition:transform .18s ease, box-shadow .18s ease;}
.plan-card:hover{transform:translateY(-4px); box-shadow:var(--shadow);}
.plan-card.featured{border-top-color:var(--red);}
.plan-icon{width:44px; height:44px; border-radius:9px; display:flex; align-items:center; justify-content:center; background:rgba(0,48,135,0.08); color:var(--blue);}
.plan-card.featured .plan-icon{background:rgba(191,10,48,0.1); color:var(--red);}
.plan-tag{font-family:monospace; font-size:11px; text-transform:uppercase; letter-spacing:0.1em; color:var(--slate-light);}
.plan-card ul{list-style:none; display:flex; flex-direction:column; gap:9px; font-size:14.5px; color:var(--slate); margin-top:4px;}
.plan-card li{display:flex; gap:9px; align-items:flex-start;}
.plan-card li svg{width:15px; height:15px; flex:none; margin-top:3px; color:var(--blue);}
.plan-card .plan-link{margin-top:auto; font-weight:700; font-size:14px; color:var(--red); text-decoration:none; display:inline-flex; align-items:center; gap:6px;}

/* ---------- Steps ---------- */
.how{background:var(--card); border-top:1px solid var(--line); border-bottom:1px solid var(--line);}
.steps{display:grid; grid-template-columns:repeat(3,1fr); gap:28px;}
@media(max-width:900px){ .steps{grid-template-columns:1fr;} }
.step-num{font-family:'Arial Black',Arial,sans-serif; font-size:32px; color:var(--blue); opacity:0.35;}
.step h3{margin-top:8px; font-size:17px;}
.step p{font-size:14px; color:var(--slate); margin-top:6px;}

/* ---------- Protection / signature ---------- */
.protection{display:grid; grid-template-columns:0.9fr 1.1fr; gap:56px; align-items:center;}
@media(max-width:900px){ .protection{grid-template-columns:1fr;} }
.protection-card{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:30px; box-shadow:var(--shadow);}
.callout-list{list-style:none; display:flex; flex-direction:column; gap:14px; margin-top:26px;}
.callout-list li{display:flex; gap:12px; font-size:15px; color:var(--slate);}
.callout-list b{color:var(--navy);}
.callout-num{font-family:monospace; font-size:12px; color:var(--red); font-weight:700; flex:none; width:26px;}

/* ---------- Badges / stat cards ---------- */
.badge-row{display:flex; gap:12px; margin-top:24px; flex-wrap:wrap;}
.badge{display:flex; align-items:center; gap:8px; border:1px solid var(--line); border-radius:100px; padding:8px 14px; font-size:12.5px; font-weight:700; color:var(--slate); background:var(--card);}
.stat-grid{display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-top:28px;}
.stat-card{background:var(--card); border:1px solid var(--line); border-radius:12px; padding:18px 20px;}
.stat-card .stat-num{color:var(--blue); font-size:26px;}
.stat-card .stat-label{color:var(--slate);}

/* ---------- FAQ ---------- */
.faq{max-width:820px; margin:0 auto;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{width:100%; text-align:left; background:none; border:none; cursor:pointer; padding:22px 0; display:flex; justify-content:space-between; align-items:center; gap:20px; font-family:Arial,sans-serif; font-weight:700; font-size:16.5px; color:var(--navy);}
.faq-q svg{flex:none; width:18px; height:18px; transition:transform .2s ease; color:var(--blue);}
.faq-item.open .faq-q svg{transform:rotate(45deg);}
.faq-a{max-height:0; overflow:hidden; transition:max-height .25s ease;}
.faq-a p{padding-bottom:22px; color:var(--slate); font-size:15px; max-width:680px;}

/* ---------- CTA band ---------- */
.cta-band{background:var(--blue); color:#fff; text-align:center;}
.cta-band h2{color:#fff;}
.cta-band p{color:#C9D4E8; max-width:520px; margin:14px auto 30px;}

/* ---------- Quote form ---------- */
.quote-page{background:var(--navy); color:#fff;}
.quote-page .section-head h2{color:#fff;}
.quote-page .lede{color:#B9C3D4;}
.quote-grid{display:grid; grid-template-columns:1fr 1.1fr; gap:48px; align-items:flex-start;}
@media(max-width:900px){ .quote-grid{grid-template-columns:1fr;} }
.quote-notes{display:flex; flex-direction:column; gap:18px; margin-top:8px;}
.quote-note{display:flex; gap:12px; font-size:14.5px; color:#FFFFFF;}
.quote-note svg{width:18px; height:18px; flex:none; color:var(--red); margin-top:2px;}
.form-card{background:#fff; color:var(--navy); border-radius:var(--radius); padding:30px; box-shadow:var(--shadow);}
.field-row{display:grid; grid-template-columns:1fr 1fr; gap:14px;}
@media(max-width:520px){ .field-row{grid-template-columns:1fr;} }
.field{margin-bottom:14px;}
.field label{display:block; font-size:12.5px; font-weight:700; text-transform:uppercase; letter-spacing:0.04em; color:var(--slate); margin-bottom:6px;}
.field input, .field select, .field textarea{width:100%; border:1.5px solid var(--line); border-radius:8px; padding:11px 12px; font-family:Arial,sans-serif; font-size:14.5px; color:var(--navy); background:var(--paper);}
.field input:focus, .field select:focus, .field textarea:focus{outline:2px solid var(--blue); outline-offset:1px;}
.check-group{display:flex; gap:16px; flex-wrap:wrap; margin-top:2px;}
.check-item{display:flex; align-items:center; gap:7px; font-size:14px;}
.form-disclaimer{font-size:11.5px; color:var(--slate-light); margin-top:14px; line-height:1.5;}
.success-msg{display:none; text-align:center; padding:30px 10px;}
.success-msg.show{display:block;}
.success-msg svg{width:44px; height:44px; color:var(--blue); margin:0 auto 14px;}

/* ---------- Page hero (sub-pages) ---------- */
.page-hero{background:var(--navy); color:#fff;}
.page-hero h1{color:#fff; font-size:clamp(30px,4.4vw,46px);}
.page-hero .lede{color:#C9D4E8;}
.breadcrumb{font-size:12.5px; color:#93A2BA; margin-bottom:16px; font-weight:700;}
.breadcrumb a{color:#93A2BA; text-decoration:none;}
.breadcrumb a:hover{color:#fff;}

.two-col{display:grid; grid-template-columns:1.1fr 0.9fr; gap:56px; align-items:start;}
@media(max-width:900px){ .two-col{grid-template-columns:1fr;} }
.detail-list{list-style:none; display:flex; flex-direction:column; gap:16px; margin-top:24px;}
.detail-list li{display:flex; gap:14px; font-size:15.5px; color:var(--slate);}
.detail-list li svg{width:20px; height:20px; flex:none; margin-top:2px; color:var(--blue);}
.detail-list b{color:var(--navy);}
.side-card{background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:26px; box-shadow:var(--shadow); position:sticky; top:100px;}
.side-card h4{font-size:15px; margin-bottom:14px;}
.side-card ul{list-style:none; display:flex; flex-direction:column; gap:10px; font-size:14px; color:var(--slate);}
.side-card li{display:flex; gap:8px;}
.side-card li svg{width:14px; height:14px; margin-top:3px; color:var(--red); flex:none;}

/* ---------- Footer ---------- */
footer{padding:56px 0 34px; font-size:13px; color:var(--slate);}
.footer-top{display:flex; justify-content:space-between; gap:40px; flex-wrap:wrap; padding-bottom:36px; border-bottom:1px solid var(--line);}
.footer-brand{max-width:340px;}
.footer-brand .brand{margin-bottom:12px;}
.footer-cols{display:flex; gap:56px; flex-wrap:wrap;}
.footer-col h5{font-family:Arial,sans-serif; font-size:12.5px; text-transform:uppercase; letter-spacing:0.06em; color:var(--navy); margin-bottom:12px;}
.footer-col a{display:block; text-decoration:none; color:var(--slate); margin-bottom:9px; font-size:13.5px;}
.footer-col a:hover{color:var(--blue);}
.legal{padding-top:26px; font-size:11.5px; color:var(--slate-light); line-height:1.7;}
.legal p{margin-bottom:10px;}

.video-placeholder{
  background:var(--navy); border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow);
  aspect-ratio:4/3; display:flex; align-items:center; justify-content:center; position:relative;
  border:1px solid var(--line);
}
.video-placeholder .play-btn{
  width:64px; height:64px; border-radius:50%; background:rgba(255,255,255,0.14);
  border:2px solid rgba(255,255,255,0.5); display:flex; align-items:center; justify-content:center;
}
.video-placeholder .play-btn svg{width:22px; height:22px; color:#fff; margin-left:3px;}
.video-placeholder .vp-label{
  position:absolute; bottom:18px; left:18px; right:18px;
  color:#B9C3D4; font-size:12px; font-family:monospace;
}
.video-placeholder.on-dark{background:rgba(255,255,255,0.05); border:1px solid rgba(255,255,255,0.18);}
.video-placeholder.on-dark .play-btn{background:rgba(255,255,255,0.1);}

.video-embed{
  border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow);
  aspect-ratio:16/9; background:#000; border:1px solid var(--line);
}
.video-embed video{width:100%; height:100%; display:block; object-fit:cover;}
.video-embed.on-dark{border:1px solid rgba(255,255,255,0.18);}

.page-hero-grid{display:grid; grid-template-columns:1.05fr 0.95fr; gap:56px; align-items:center;}
@media(max-width:900px){ .page-hero-grid{grid-template-columns:1fr;} }

.gap-table{border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; background:var(--card); box-shadow:var(--shadow);}
.gap-table-head{display:grid; grid-template-columns:1fr 1fr;background:var(--navy); color:#fff;}
.gap-table-head div{padding:16px 22px; font-weight:700; font-size:12.5px; text-transform:uppercase; letter-spacing:0.05em;}
.gap-row{display:grid; grid-template-columns:1fr 1fr;}
.gap-row:not(:first-child){border-top:1px solid var(--line);}
.gap-cell{padding:16px 22px; font-size:14.5px; line-height:1.5; display:flex; gap:10px; align-items:flex-start;}
.gap-cell svg{width:16px; height:16px; flex:none; margin-top:3px;}
.gap-cell-problem{color:var(--slate);}
.gap-cell-problem svg{color:var(--red);}
.gap-cell-solution{color:var(--navy); background:rgba(0,48,135,0.03);}
.gap-cell-solution svg{color:var(--blue);}
.gap-cell-solution b{color:var(--navy);}
@media(max-width:760px){
  .gap-table-head{display:none;}
  .gap-row{grid-template-columns:1fr;}
  .gap-row:not(:first-child){border-top:2px solid var(--line);}
  .gap-cell-problem{background:rgba(191,10,48,0.03);}
}

.qualifier-card{
  background:rgba(255,255,255,0.06); border:1px solid rgba(255,255,255,0.18); border-radius:var(--radius);
  padding:32px 36px; text-align:center;
}
.qualifier-label{font-family:monospace; font-size:11.5px; letter-spacing:0.1em; text-transform:uppercase; color:#93A2BA; margin-bottom:10px;}
.qualifier-question{font-size:16px; color:#fff; margin-bottom:10px;}
.qualifier-conditions{font-family:'Arial Black',Arial,sans-serif; font-size:17px; color:#fff; line-height:1.5; margin-bottom:22px;}
.qualifier-approved{
  display:inline-flex; align-items:center; gap:10px; background:rgba(0,168,107,0.16); border:1px solid rgba(0,168,107,0.4);
  border-radius:100px; padding:12px 22px; font-size:15px; color:#fff;
}
.qualifier-approved svg{width:20px; height:20px; color:#3DDC97; flex:none;}
.qualifier-approved b{color:#3DDC97;}

.reveal{opacity:0; transform:translateY(14px); transition:opacity .5s ease, transform .5s ease;}
.reveal.in{opacity:1; transform:none;}