@font-face{font-family:"Plus Jakarta Text";src:url(/assets/fonts/jakarta-text-400.woff) format("woff");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Plus Jakarta Text";src:url(/assets/fonts/jakarta-text-700.woff) format("woff");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"Plus Jakarta Display";src:url(/assets/fonts/jakarta-display-500.woff) format("woff");font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:"Plus Jakarta Display";src:url(/assets/fonts/jakarta-display-700.woff) format("woff");font-weight:700;font-style:normal;font-display:swap}
:root{
  --navy:#0a2351;--navy-2:#0f3170;--blue:#1d59a8;--blue-2:#416db3;--sky:#e8f0fb;--font-body:"Plus Jakarta Text",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--font-display:"Plus Jakarta Display","Plus Jakarta Text",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --ink:#14213d;--muted:#4a5a78;--line:#d9e3f5;--bg:#ffffff;--bg-alt:#f4f8ff;
  --ok:#0b7a3b;--err:#b3261e;--radius:14px;--shadow:0 10px 30px rgba(10,35,81,.10);
  --max:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img,svg{max-width:100%;display:block}
a{color:var(--blue)}
a:hover{color:var(--navy-2)}
:focus-visible{outline:3px solid #ffb703;outline-offset:3px;border-radius:4px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:.75rem 1rem;z-index:1000}
.skip-link:focus{left:0}
.container{width:min(100% - 2.5rem,var(--max));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:1rem}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{height:36px;width:auto}
.footer-logo{height:34px;width:auto;margin-bottom:.9rem}
.brand span em{font-style:normal;color:var(--blue)}
.nav-links{display:flex;gap:1.6rem;align-items:center;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.97rem}
.nav-links a:hover{color:var(--blue)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:.5rem .7rem;font-size:1rem;color:var(--navy);cursor:pointer}
.btn{font-family:var(--font-body);display:inline-block;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:700;padding:.85rem 1.4rem;border-radius:10px;border:2px solid var(--blue);cursor:pointer;font-size:1rem;transition:background .15s,transform .15s}
.btn:hover{background:var(--navy-2);border-color:var(--navy-2);transform:translateY(-1px)}
.btn-outline{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.7)}
.btn-outline:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1d4fae 100%);color:#fff;padding:5.5rem 0 5rem;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-140px;top:-140px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(79,140,255,.35),transparent 70%)}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
.eyebrow{display:inline-block;font-size:.85rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#9cc2ff;margin-bottom:.8rem}
h1,h2,h3{font-family:var(--font-display);font-weight:700;line-height:1.2;color:var(--navy);letter-spacing:-.02em}
.hero h1{color:#fff;font-size:clamp(2.1rem,4.6vw,3.4rem);margin:0 0 1.1rem}
.hero p.lead{font-size:1.2rem;color:#dbe7ff;max-width:56ch;margin:0 0 2rem}
.hero-cta{display:flex;gap:1rem;flex-wrap:wrap}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius);padding:1.6rem}
.hero-card h2{color:#fff;font-size:1.1rem;margin:0 0 1rem}
.hero-card ul{list-style:none;margin:0;padding:0;display:grid;gap:.8rem}
.hero-card li{display:flex;gap:.7rem;color:#e6efff;font-size:1rem}
.hero-card li::before{content:"";flex:0 0 10px;height:10px;margin-top:.55rem;border-radius:50%;background:#6fa8ff}

/* sections */
section{padding:5rem 0}
.alt{background:var(--bg-alt)}
.section-head{max-width:720px;margin:0 0 2.8rem}
.section-head h2{font-size:clamp(1.7rem,3vw,2.35rem);margin:.2rem 0 .8rem}
.section-head p{color:var(--muted);margin:0}
.section-head .eyebrow{color:var(--blue)}
.grid{display:grid;gap:1.4rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem;box-shadow:0 2px 0 rgba(10,35,81,.03);transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.card h3{font-size:1.2rem;margin:.9rem 0 .5rem}
.card p{margin:0;color:var(--muted);font-size:.98rem}
.icon{width:48px;height:48px;border-radius:12px;background:var(--sky);display:grid;place-items:center;color:var(--blue)}
.icon svg{width:26px;height:26px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem}
.steps li::before{content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;margin-bottom:.8rem}
.steps h3{margin:0 0 .4rem;font-size:1.1rem}
.steps p{margin:0;color:var(--muted);font-size:.97rem}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:3rem}
.stat{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.4rem;text-align:center}
.stat strong{display:block;font-size:1.4rem}
.stat span{color:#bcd3ff;font-size:.92rem}
.chips{display:flex;flex-wrap:wrap;gap:.6rem;list-style:none;padding:0;margin:0}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.45rem 1rem;font-weight:600;color:var(--navy);font-size:.95rem}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.3rem;margin-bottom:.8rem}
summary{cursor:pointer;font-weight:700;color:var(--navy)}
details p{margin:.7rem 0 0;color:var(--muted)}

/* contact */
.contact-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:3rem;align-items:start}
form.contact{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.field{margin-bottom:1.1rem}
label{display:block;font-weight:700;font-size:.93rem;margin-bottom:.35rem;color:var(--navy)}
label .req{color:var(--err)}
input,select,textarea{width:100%;font:inherit;font-family:var(--font-body);padding:.75rem .85rem;border:1.5px solid #9fb2d4;border-radius:9px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:3px solid #ffb703;outline-offset:1px}
textarea{min-height:140px;resize:vertical}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.hint{font-size:.85rem;color:var(--muted);margin-top:.3rem}
.error-msg{color:var(--err);font-size:.88rem;margin-top:.3rem;min-height:1em}
input[aria-invalid="true"],select[aria-invalid="true"],textarea[aria-invalid="true"]{border-color:var(--err)}
.check{display:flex;gap:.6rem;align-items:flex-start;font-size:.93rem}
.check input{width:22px;height:22px;flex:0 0 22px;margin-top:.15rem;accent-color:var(--blue)}
fieldset.consents{border:1px solid var(--line);border-radius:10px;padding:1rem 1.1rem .6rem;margin:0 0 1.1rem;display:grid;gap:.8rem}
fieldset.consents legend{font-weight:700;color:var(--navy);padding:0 .4rem;font-size:.93rem}
.check label{font-weight:400;margin:0;color:var(--ink)}
#form-status{margin-top:1rem;padding:.9rem 1rem;border-radius:9px;display:none;font-weight:600}
#form-status.ok{display:block;background:#e6f6ec;color:var(--ok)}
#form-status.fail{display:block;background:#fdecea;color:var(--err)}

/* footer */
.site-footer{background:var(--navy);color:#c9d9f5;padding:3.5rem 0 1.5rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 .8rem}
.site-footer a{color:#c9d9f5}
.site-footer a:hover{color:#fff}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.18);margin-top:2.4rem;padding-top:1.2rem;font-size:.9rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.8rem}
.link-btn{background:none;border:0;color:#c9d9f5;text-decoration:underline;cursor:pointer;font:inherit;padding:0}
.link-btn:hover{color:#fff}

/* cookie banner */
#cookie-banner{position:fixed;left:1rem;right:1rem;bottom:1rem;z-index:200;max-width:860px;margin-inline:auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 14px 44px rgba(10,35,81,.28);padding:1.3rem 1.5rem;display:none}
#cookie-banner.show{display:block}
#cookie-banner h2{font-size:1.05rem;margin:0 0 .4rem}
#cookie-banner p{margin:0 0 1rem;font-size:.95rem;color:var(--muted)}
.cookie-actions{display:flex;gap:.7rem;flex-wrap:wrap}
.btn-sm{padding:.6rem 1.1rem;font-size:.95rem}
.btn-ghost{background:#fff;color:var(--blue)!important}
.btn-ghost:hover{background:var(--sky);border-color:var(--blue)}

/* legal pages */
.legal{padding:3.5rem 0 5rem}
.legal .container{max-width:820px}
.legal h1{font-size:clamp(1.9rem,3.5vw,2.6rem);margin-top:0}
.legal h2{font-size:1.35rem;margin-top:2.2rem}
.legal .updated{color:var(--muted)}
.legal table{width:100%;border-collapse:collapse;margin:1rem 0}
.legal th,.legal td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left;font-size:.95rem}
.legal th{background:var(--bg-alt)}

@media (max-width:900px){
  .hero .container,.contact-wrap,.footer-grid{grid-template-columns:1fr}
  .grid-3,.grid-2,.steps,.stats{grid-template-columns:1fr 1fr}
  .menu-btn{display:block}
  .nav-links{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:1rem 1.25rem;gap:1rem}
  .nav-links.open{display:flex}
}
@media (max-width:600px){
  .grid-3,.grid-2,.steps,.stats,.row{grid-template-columns:1fr}
  section{padding:3.5rem 0}
  .hero{padding:3.5rem 0}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}

/* content pages */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 65%,#1d4fae 100%);color:#fff;padding:3.2rem 0 3.4rem}
.page-hero h1{color:#fff;font-size:clamp(2rem,4vw,3rem);margin:.3rem 0 1rem;max-width:22ch}
.page-hero .lead{font-size:1.18rem;color:#dbe7ff;max-width:68ch;margin:0 0 1.6rem}
.crumbs{font-size:.9rem;margin:0 0 1.2rem;color:#bcd3ff}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;margin:0;padding:0}
.crumbs li+li::before{content:"/";margin-right:.4rem;color:#7fa6e6}
.crumbs a{color:#dbe7ff}
.crumbs a:hover{color:#fff}
.page-hero .meta{font-size:.9rem;color:#bcd3ff;margin-top:1rem}
.article{padding:3.5rem 0 1rem}
.article .container{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:3rem;align-items:start}
.prose{max-width:760px}
.prose h2{font-size:1.65rem;margin:2.6rem 0 .8rem}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.2rem;margin:1.6rem 0 .4rem}
.prose p,.prose li{color:#27365a}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin:.35rem 0}
.callout{background:var(--sky);border:1px solid var(--line);border-radius:12px;padding:1.1rem 1.3rem;margin:1.6rem 0}
.callout p{margin:0}
.side{position:sticky;top:90px;display:grid;gap:1rem}
.side .card{padding:1.3rem}
.side h2{font-size:1.05rem;margin:0 0 .6rem}
.side ul{list-style:none;margin:0;padding:0;display:grid;gap:.5rem}
.side a{font-weight:600;text-decoration:none}
.side a:hover{text-decoration:underline}
.cta-band{background:var(--navy);color:#fff;padding:3.2rem 0;margin-top:3rem}
.cta-band .container{display:flex;gap:2rem;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .4rem;font-size:1.7rem}
.cta-band p{margin:0;color:#cfe0ff;max-width:60ch}
.faq-block{margin-top:2.4rem}
.tile-link{display:block;text-decoration:none;color:inherit}
.tile-link:hover h3{color:var(--blue)}
.more{display:inline-block;margin-top:.8rem;font-weight:700;font-size:.95rem}
table.compare{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.95rem;display:block;overflow-x:auto}
table.compare th,table.compare td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left;vertical-align:top}
table.compare th{background:var(--bg-alt);color:var(--navy)}
.footer-grid.four{grid-template-columns:1.3fr 1fr 1fr 1fr}
@media (max-width:900px){.article .container{grid-template-columns:1fr}.side{position:static}.footer-grid.four{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.footer-grid.four{grid-template-columns:1fr}}

.site-footer address,.contact-address{font-style:normal;line-height:1.6}
.site-footer address{font-size:.95rem}
.site-footer .footer-legal{font-size:.92rem}
.footer-address{margin-top:.9rem}
.contact-address{color:var(--muted);margin:1rem 0 0}
.contact-address strong{color:var(--ink,inherit)}

#back-to-top{position:fixed;right:1.25rem;bottom:1.25rem;z-index:90;width:48px;height:48px;border-radius:50%;border:0;background:var(--blue);color:#fff;display:grid;place-items:center;cursor:pointer;box-shadow:0 6px 20px rgba(10,35,81,.3);opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .2s,transform .2s,visibility .2s,background .2s}
#back-to-top.show{opacity:1;visibility:visible;transform:none}
#back-to-top:hover{background:var(--navy-2)}
#back-to-top:focus-visible{outline:3px solid var(--navy);outline-offset:3px}
@media (max-width:600px){#back-to-top{right:.9rem;bottom:.9rem;width:46px;height:46px}}
@media print{#back-to-top{display:none}}