:root{
  --navy:#0b3558; --navy-d:#072640; --teal:#00a99a; --teal-l:#00d0b6; --mint:#e8f7f5;
  --bg:#ffffff; --soft:#f4f9f9; --ink:#1c2b3a; --muted:#5a6b7b; --line:#dbe6ea;
  --radius:16px; --shadow:0 10px 30px rgba(11,53,88,.10);
  --font:"Avenir Next","Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--teal);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--navy)}
.wrap{width:min(1120px,100% - 32px);margin-inline:auto}
h1,h2,h3{color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.4rem)}
h3{font-size:1.15rem;letter-spacing:-.01em}
p{margin:0 0 1em}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:.8rem}
.lead{font-size:1.15rem;color:var(--muted)}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 1.4rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font:inherit;font-weight:700;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:linear-gradient(135deg,var(--teal-l),var(--teal));color:#04332e}
.btn-primary:hover{color:#04332e}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
:focus-visible{outline:3px solid var(--teal-l);outline-offset:3px}

/* header */
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:1rem}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.15rem;letter-spacing:-.02em}
.brand svg{width:40px;height:40px}
nav.links{display:flex;align-items:center;gap:1.6rem}
nav.links a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
nav.links a:hover{color:var(--teal)}
.menu-btn{display:none;background:none;border:0;padding:.5rem;cursor:pointer;color:var(--navy)}
@media(max-width:860px){
  .menu-btn{display:block}
  nav.links{position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:1rem 16px 1.5rem;border-bottom:1px solid var(--line);display:flex;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .25s,transform .25s,visibility .25s}
  nav.links.open{opacity:1;visibility:visible;transform:none}
}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,var(--mint),transparent 60%),var(--bg);padding:clamp(3rem,8vw,6rem) 0}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
.hero .btns{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
.ticks{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;margin:1.6rem 0 0;padding:0;list-style:none;color:var(--navy);font-weight:600;font-size:.95rem}
.ticks li{display:flex;align-items:center;gap:.45rem}
.ticks li::before{content:"";width:18px;height:18px;flex:none;background:var(--teal);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/contain no-repeat}
.hero-card{background:linear-gradient(160deg,var(--navy),var(--navy-d));color:#fff;border-radius:24px;padding:2rem;box-shadow:var(--shadow);position:relative;overflow:hidden}
.hero-card::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(0,208,182,.45),transparent 70%)}
.hero-card h2{color:#fff;font-size:1.5rem}
.hero-card ol{padding-left:1.2rem;margin:1rem 0 0}
.hero-card li{margin-bottom:.6rem;color:#d4e4ee}
@media(max-width:860px){.hero-grid{grid-template-columns:1fr}}

section{padding:clamp(3rem,7vw,5.5rem) 0}
section.alt{background:var(--soft)}
.section-head{max-width:680px;margin-bottom:2.5rem}

/* cards */
.grid{display:grid;gap:1.2rem}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:0 2px 0 rgba(11,53,88,.03);transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.icon{width:48px;height:48px;border-radius:14px;background:var(--mint);display:grid;place-items:center;margin-bottom:1rem;color:var(--teal);transition:background .3s,color .3s,transform .3s}
.icon .i{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.card:hover .icon{background:linear-gradient(135deg,var(--teal-l),var(--navy));color:#fff;transform:scale(1.06)}
.card p{color:var(--muted);margin:0}

/* steps */
.steps{counter-reset:s;display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.step{position:relative;padding:1.4rem;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:.8rem}
.step p{color:var(--muted);margin:0;font-size:.95rem}

/* education */
.learn{display:grid;gap:1.2rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.learn a.card{text-decoration:none;color:inherit;display:block}
.learn .tag{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--teal)}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:2rem;background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(1.4rem,3vw,2.4rem);box-shadow:var(--shadow)}
.tabs{display:flex;gap:.4rem;margin-bottom:1.2rem;flex-wrap:wrap}
.tab{border:1px solid var(--line);background:#fff;padding:.5rem 1rem;border-radius:999px;font:inherit;font-weight:600;color:var(--navy);cursor:pointer}
.tab[aria-selected=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
label{display:block;font-weight:600;color:var(--navy);font-size:.9rem;margin-bottom:.3rem}
input,select,textarea{width:100%;padding:.75rem .9rem;border:1px solid #c5d4da;border-radius:10px;font:inherit;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(0,208,182,.35);border-color:var(--teal)}
.field{margin-bottom:1rem}
.result{background:var(--mint);border-radius:var(--radius);padding:1.5rem;align-self:start}
.result .big{font-size:2.3rem;font-weight:800;color:var(--navy);letter-spacing:-.02em;line-height:1.1}
.result dl{margin:1rem 0 0;display:grid;grid-template-columns:1fr auto;gap:.5rem 1rem;font-size:.95rem}
.result dt{color:var(--muted)} .result dd{margin:0;font-weight:700;color:var(--navy);text-align:right}
.note{font-size:.82rem;color:var(--muted);margin-top:1rem}
@media(max-width:860px){.calc{grid-template-columns:1fr}}
[hidden]{display:none!important}

/* about */
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:3rem;align-items:center}
.about-art{background:linear-gradient(160deg,var(--mint),#fff);border:1px solid var(--line);border-radius:24px;padding:3rem;display:grid;place-items:center;text-align:center}
.about-art svg{width:min(240px,60%);margin:0 auto 1rem}
.about-art strong{color:var(--navy);font-size:1.4rem}
@media(max-width:860px){.about{grid-template-columns:1fr}}
.banks{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1rem}
.banks span{padding:.45rem 1rem;border:1px solid var(--line);border-radius:999px;font-weight:600;color:var(--navy);background:#fff;font-size:.9rem}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;margin-bottom:.8rem}
summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:1rem}
summary::after{content:"+";color:var(--teal);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{margin:.8rem 0 0;color:var(--muted)}

/* cta */
.cta{background:linear-gradient(135deg,var(--navy),var(--navy-d));color:#fff;text-align:center}
.cta h2{color:#fff}.cta p{color:#c8dae6;max-width:560px;margin-inline:auto}
.cta .btns{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap;margin-top:1.5rem}

/* contact */
.contact{display:grid;grid-template-columns:1fr 1.1fr;gap:3rem}
@media(max-width:860px){.contact{grid-template-columns:1fr}}
.check{display:flex;gap:.6rem;align-items:flex-start;font-size:.88rem;color:var(--muted);margin:.5rem 0 1rem}
.check input{width:auto;margin-top:.3rem}
.form-msg{margin-top:1rem;font-weight:600;color:var(--navy)}

/* footer */
footer.site{background:var(--navy-d);color:#b9cddb;padding:3rem 0 2rem;font-size:.9rem}
footer.site a{color:#e6f4f2}
.fgrid{display:grid;gap:2rem;grid-template-columns:1.3fr 1fr 1fr}
@media(max-width:860px){.fgrid{grid-template-columns:1fr}}
footer h3{color:#fff;font-size:1rem}
footer ul{list-style:none;padding:0;margin:0}footer li{margin-bottom:.4rem}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.5rem;font-size:.8rem;line-height:1.6}
.legal p{margin-bottom:.6rem}

/* doc pages */
.doc{max-width:760px;padding:3rem 0 5rem}
.doc h2{font-size:1.4rem;margin-top:2rem}
.doc li{margin-bottom:.4rem}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* smoothness */
:root{--ease:cubic-bezier(.22,.8,.3,1)}
body{overflow-x:hidden}
header.site{transition:box-shadow .3s,background .3s}
header.site.scrolled{box-shadow:0 6px 24px rgba(11,53,88,.08)}
nav.links a:not(.btn){position:relative}
nav.links a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:-4px;height:2px;border-radius:2px;background:var(--teal);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}
nav.links a:not(.btn):hover::after{transform:scaleX(1)}
.btn{transition:transform .25s var(--ease),box-shadow .25s,background .25s,color .25s,border-color .25s}
.btn-primary:hover{box-shadow:0 8px 20px rgba(0,169,154,.35)}
.card{transition:box-shadow .35s var(--ease),transform .35s var(--ease)}
.hero-card::after{animation:drift 9s ease-in-out infinite alternate}
@keyframes drift{to{transform:translate(-30px,40px) scale(1.15)}}
.hero .wrap>div,.hero-card{animation:rise .8s var(--ease) both}
.hero-card{animation-delay:.15s}
@keyframes rise{from{transform:translateY(18px)}}
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease);transition-delay:var(--d,0s)}
.js .reveal.in{opacity:1;transform:none}
.js .reveal.card.in:hover{transform:translateY(-3px)}
details{transition:box-shadow .3s,border-color .3s}
details[open]{border-color:var(--teal);box-shadow:var(--shadow)}
details[open]>p{animation:fade .4s var(--ease)}
@keyframes fade{from{opacity:0;transform:translateY(-6px)}}
summary::after{transition:transform .3s}
details[open] summary::after{transform:rotate(180deg)}
.learn .icon{margin-bottom:.8rem}
@media(prefers-reduced-motion:reduce){.hero-card::after,.hero .wrap>div,.hero-card{animation:none!important}.js .reveal{opacity:1;transform:none}}