:root{
  --ink:#00244A; --ink-2:#0A3763; --ink-3:#123E6E;
  --blue:#0762AD; --blue-lift:#1580D8; --blue-wash:#E7F0FA;
  --slate:#3F444A; --muted:#63707F; --line:#DCE5EE;
  --mist:#F2F6FB; --paper:#FFFFFF;
  --gain:#0B7A63; --gain-wash:#E4F4F0;
  --flag:#B4470F; --flag-wash:#FDEEE4;
  --display:"Plus Jakarta Sans",system-ui,sans-serif;
  --body:"Inter",system-ui,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,monospace;
  --wrap:1180px;
  --r:14px;
  --shadow:0 1px 2px rgba(0,36,74,.05),0 12px 32px -14px rgba(0,36,74,.22);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--slate);font-family:var(--body);font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);margin:0;line-height:1.14;letter-spacing:-.022em}
h1{font-size:clamp(2.15rem,4.6vw,3.5rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.2vw,2.4rem);font-weight:800}
h3{font-size:1.16rem;font-weight:700;letter-spacing:-.012em}
p{margin:0 0 1rem}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-lift)}
img{max-width:100%;display:block}
:focus-visible{outline:3px solid var(--blue-lift);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.eyebrow{font-family:var(--mono);font-size:.735rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin:0 0 14px}
.eyebrow.pale{color:#8FC0EC}
.lede{font-size:1.09rem;color:var(--muted);max-width:62ch}
.section{padding:88px 0;border-top:1px solid var(--line)}
.section.plain{border-top:0}
.section.mist{background:var(--mist)}
.section.deep{background:var(--ink);border-top:0}
.section.deep h2,.section.deep h3{color:#fff}
.section.deep p{color:#B9CBDD}
.head{max-width:66ch;margin-bottom:44px}
.head h2+p{margin-top:14px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--display);font-weight:700;font-size:.94rem;padding:13px 22px;border-radius:10px;border:1px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s;text-align:center}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px -10px rgba(7,98,173,.85)}
.btn-primary:hover{background:var(--blue-lift);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue);background:#fff}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{color:var(--blue)}
.btn-outline-light{border-color:rgba(255,255,255,.34);color:#fff;background:transparent}
.btn-outline-light:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* ---------- chips / pills ---------- */
.chip{display:inline-flex;align-items:center;gap:7px;font-family:var(--mono);font-size:.74rem;font-weight:600;letter-spacing:.04em;padding:5px 11px;border-radius:999px;background:var(--blue-wash);color:var(--ink-3);white-space:nowrap}
.chip.gain{background:var(--gain-wash);color:var(--gain)}
.chip.flag{background:var(--flag-wash);color:var(--flag)}
.chip.dark{background:rgba(255,255,255,.1);color:#CFE1F2}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.93);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:24px;height:74px}
.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}
.brand img{height:40px;width:auto}
.brand-txt{font-family:var(--display);font-weight:800;font-size:1.06rem;letter-spacing:-.02em;line-height:1.05;color:var(--ink)}
.brand-txt span{color:var(--blue)}
.brand-txt small{display:block;font-family:var(--mono);font-size:.6rem;font-weight:500;letter-spacing:.28em;color:var(--muted);margin-top:3px}
.menu{display:flex;gap:4px;margin-left:auto}
.menu a{font-family:var(--display);font-weight:600;font-size:.92rem;color:var(--ink);padding:9px 13px;border-radius:8px}
.menu a:hover{background:var(--mist);color:var(--blue)}
.menu a.on{color:var(--blue);background:var(--blue-wash)}
.nav .btn{flex-shrink:0}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:9px;width:44px;height:42px;cursor:pointer;align-items:center;justify-content:center}
.burger span{display:block;width:19px;height:2px;background:var(--ink);position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:19px;height:2px;background:var(--ink)}
.burger span::before{top:-6px}.burger span::after{top:6px}
.drawer{display:none;border-top:1px solid var(--line);background:#fff;padding:12px 24px 20px}
.drawer.open{display:block}
.drawer a{display:block;font-family:var(--display);font-weight:600;color:var(--ink);padding:12px 4px;border-bottom:1px solid var(--line)}
.drawer .btn{width:100%;justify-content:center;margin-top:16px}

/* ---------- hero ---------- */
.hero{background:
   radial-gradient(900px 420px at 88% -8%,rgba(7,98,173,.10),transparent 62%),
   linear-gradient(180deg,#F7FAFD 0%,#fff 78%);
  padding:74px 0 84px;border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:56px;align-items:center}
.hero h1 em{font-style:normal;color:var(--blue);position:relative}
.hero .lede{margin-top:20px;font-size:1.16rem}
.hero-trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:34px;padding-top:24px;border-top:1px solid var(--line)}
.hero-trust div{font-family:var(--mono);font-size:.76rem;letter-spacing:.05em;color:var(--muted);text-transform:uppercase}
.hero-trust b{display:block;font-family:var(--display);font-size:1.5rem;color:var(--ink);letter-spacing:-.02em;text-transform:none;line-height:1.2}

/* ledger card */
.ledger{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}
.ledger-top{display:flex;align-items:center;justify-content:space-between;padding:14px 18px;background:var(--ink);color:#fff}
.ledger-top .t{font-family:var(--mono);font-size:.78rem;letter-spacing:.06em}
.ledger-top .d{font-family:var(--mono);font-size:.68rem;color:#8FC0EC;letter-spacing:.1em}
.lrow{display:grid;grid-template-columns:64px 1fr auto;gap:12px;align-items:center;padding:13px 18px;border-bottom:1px solid var(--line);opacity:0;transform:translateY(6px)}
.lrow.in{opacity:1;transform:none;transition:opacity .5s ease,transform .5s ease}
.lrow .stamp{font-family:var(--mono);font-size:.7rem;color:var(--muted)}
.lrow .what{font-size:.92rem;color:var(--ink);font-weight:500}
.lrow .what small{display:block;font-family:var(--mono);font-size:.7rem;color:var(--muted);font-weight:400;margin-top:2px}
.ledger-foot{display:flex;align-items:center;justify-content:space-between;padding:16px 18px;background:var(--gain-wash)}
.ledger-foot .lbl{font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gain)}
.ledger-foot .amt{font-family:var(--display);font-weight:800;font-size:1.5rem;color:var(--gain);letter-spacing:-.02em}

/* ---------- generic grids ---------- */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;transition:border-color .18s,transform .18s,box-shadow .18s}
.card:hover{border-color:#B9D2EA;transform:translateY(-2px);box-shadow:var(--shadow)}
.card h3{margin-bottom:9px}
.card p{font-size:.94rem;color:var(--muted);margin:0}
.card .ico{width:42px;height:42px;border-radius:10px;background:var(--blue-wash);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ico svg{width:21px;height:21px;stroke:var(--blue);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.card ul{margin:14px 0 0;padding-left:0;list-style:none}
.card ul li{font-size:.88rem;color:var(--muted);padding-left:19px;position:relative;margin-bottom:6px}
.card ul li::before{content:"";position:absolute;left:0;top:.62em;width:7px;height:7px;border-radius:2px;background:var(--blue);opacity:.42}

/* ---------- calculator ---------- */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.calc-in{padding:34px}
.calc-out{padding:34px;background:var(--ink);color:#fff;display:flex;flex-direction:column}
.field{margin-bottom:24px}
.field label{display:flex;justify-content:space-between;align-items:baseline;font-family:var(--display);font-weight:600;font-size:.9rem;color:var(--ink);margin-bottom:9px}
.field label b{font-family:var(--mono);font-weight:600;color:var(--blue);font-size:.95rem}
input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:5px;border-radius:99px;background:var(--line);outline-offset:6px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:21px;height:21px;border-radius:50%;background:var(--blue);border:3px solid #fff;box-shadow:0 2px 7px rgba(0,36,74,.34);cursor:pointer}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--blue);border:3px solid #fff;cursor:pointer}
.calc-out .lbl{font-family:var(--mono);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:#8FC0EC;margin-bottom:8px}
.big{font-family:var(--display);font-weight:800;font-size:clamp(2.3rem,5vw,3.1rem);letter-spacing:-.03em;color:#fff;line-height:1}
.bars{margin:26px 0 6px}
.bar-line{margin-bottom:15px}
.bar-line .k{display:flex;justify-content:space-between;font-family:var(--mono);font-size:.76rem;color:#CFE1F2;margin-bottom:7px}
.bar{height:8px;border-radius:99px;background:rgba(255,255,255,.13);overflow:hidden}
.bar i{display:block;height:100%;border-radius:99px;transition:width .45s cubic-bezier(.2,.7,.3,1)}
.bar i.b1{background:#4C9BE0}
.bar i.b2{background:#3FBFA0}
.fine{font-size:.78rem;color:#8FA9C2;margin:auto 0 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.13)}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff}
.step{padding:28px 24px;border-right:1px solid var(--line)}
.step:last-child{border-right:0}
.step .n{font-family:var(--mono);font-size:.76rem;font-weight:600;color:var(--blue);letter-spacing:.12em;margin-bottom:14px}
.step h3{font-size:1.03rem;margin-bottom:8px}
.step p{font-size:.9rem;color:var(--muted);margin:0}

/* ---------- table ---------- */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.tbl th,.tbl td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--line);font-size:.93rem}
.tbl th{font-family:var(--display);font-weight:700;color:var(--ink);background:var(--mist);font-size:.86rem;letter-spacing:.01em}
.tbl td:first-child{font-weight:600;color:var(--ink)}
.tbl tr:last-child td{border-bottom:0}
.tbl .yes{color:var(--gain);font-weight:600}
.tbl .no{color:var(--muted)}

/* ---------- accordion ---------- */
.acc{border-top:1px solid var(--line)}
.acc-item{border-bottom:1px solid var(--line)}
.acc-q{width:100%;background:none;border:0;text-align:left;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 2px;cursor:pointer;font-family:var(--display);font-weight:700;font-size:1.02rem;color:var(--ink)}
.acc-q .pm{flex-shrink:0;width:24px;height:24px;border-radius:6px;background:var(--blue-wash);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:1.1rem;line-height:1;transition:transform .2s}
.acc-item.open .pm{transform:rotate(45deg)}
.acc-a{display:none;padding:0 2px 22px;font-size:.96rem;color:var(--muted);max-width:80ch}
.acc-item.open .acc-a{display:block}

/* ---------- decoder ---------- */
.decoder{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.dec-controls{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px}
.dec-controls input{flex:1;min-width:210px}
.codes{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px}
.code-btn{font-family:var(--mono);font-size:.78rem;font-weight:600;padding:7px 12px;border-radius:8px;border:1px solid var(--line);background:#fff;color:var(--ink);cursor:pointer;transition:.15s}
.code-btn:hover{border-color:var(--blue);color:var(--blue)}
.code-btn.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.dec-panel{border:1px solid var(--line);border-left:3px solid var(--blue);border-radius:10px;padding:22px;background:var(--mist)}
.dec-panel .code{font-family:var(--mono);font-weight:600;color:var(--blue);font-size:.86rem;letter-spacing:.06em}
.dec-panel h3{margin:8px 0 10px}
.dec-panel .fix{margin-top:16px;padding-top:16px;border-top:1px dashed var(--line)}
.dec-panel .fix strong{font-family:var(--display);color:var(--ink);display:block;margin-bottom:5px;font-size:.9rem}
.dec-panel p{font-size:.94rem;margin:0;color:var(--slate)}

/* ---------- specialties ---------- */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px}
.spec-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.spec{border:1px solid var(--line);border-radius:11px;padding:16px 18px;background:#fff;transition:.18s}
.spec:hover{border-color:#B9D2EA;transform:translateY(-2px)}
.spec b{display:block;font-family:var(--display);font-size:.97rem;color:var(--ink);letter-spacing:-.01em}
.spec span{font-family:var(--mono);font-size:.71rem;color:var(--muted);letter-spacing:.05em}
.empty{padding:34px;text-align:center;color:var(--muted);border:1px dashed var(--line);border-radius:11px}

/* ---------- forms ---------- */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px;box-shadow:var(--shadow)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fg{margin-bottom:16px}
.fg label{display:block;font-family:var(--display);font-weight:600;font-size:.86rem;color:var(--ink);margin-bottom:7px}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font-family:var(--body);font-size:.95rem;color:var(--ink);padding:12px 14px;border:1px solid var(--line);border-radius:9px;background:#fff;transition:border-color .15s}
input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:2px solid rgba(7,98,173,.16);outline-offset:0}
textarea{min-height:118px;resize:vertical}
.err{display:none;font-family:var(--mono);font-size:.74rem;color:var(--flag);margin-top:6px}
.fg.bad input,.fg.bad select,.fg.bad textarea{border-color:var(--flag)}
.fg.bad .err{display:block}
.notice{display:flex;gap:12px;align-items:flex-start;background:var(--flag-wash);border:1px solid #F3D6C2;border-radius:10px;padding:14px 16px;margin-bottom:22px}
.notice svg{width:19px;height:19px;flex-shrink:0;margin-top:2px;stroke:var(--flag);fill:none;stroke-width:1.9}
.notice p{font-size:.85rem;color:#8A3A10;margin:0}
.sent{display:none;text-align:center;padding:40px 20px}
.sent .tick{width:56px;height:56px;border-radius:50%;background:var(--gain-wash);display:flex;align-items:center;justify-content:center;margin:0 auto 18px}
.sent .tick svg{width:26px;height:26px;stroke:var(--gain);fill:none;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}

/* ---------- contact aside ---------- */
.aside-card{border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.aside-card .top{padding:26px;background:var(--mist);border-bottom:1px solid var(--line)}
.aside-card .top img{height:70px;width:auto;margin-bottom:16px}
.aside-card .body{padding:24px}
.dl{margin:0}
.dl dt{font-family:var(--mono);font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.dl dd{margin:0 0 18px;font-size:.97rem;color:var(--ink);font-weight:500}
.dl dd:last-child{margin-bottom:0}

/* ---------- footer ---------- */
footer{background:var(--ink);color:#A8BFD5;padding:60px 0 28px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
footer img.logo{height:78px;width:auto;margin-bottom:18px}
footer h4{font-family:var(--display);color:#fff;font-size:.83rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:16px}
footer a{display:block;color:#A8BFD5;font-size:.92rem;padding:5px 0}
footer a:hover{color:#fff}
footer p{font-size:.9rem;color:#8FA9C2}
.foot-bot{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;color:#7F97AE}
.foot-bot span{font-family:var(--mono);letter-spacing:.04em}

.reveal{opacity:0;transform:translateY(14px)}
.reveal.in{opacity:1;transform:none;transition:opacity .6s ease,transform .6s ease}

@media(max-width:960px){
  .menu{display:none}
  .nav>.btn{display:none}
  .burger{display:flex}
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .calc{grid-template-columns:1fr}
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .step{border-bottom:1px solid var(--line)}
  .step:nth-child(2){border-right:0}
  .spec-grid{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .section{padding:60px 0}
  .g2,.g3,.g4,.steps,.spec-grid,.frow{grid-template-columns:1fr}
  .step{border-right:0}
  .calc-in,.calc-out,.form{padding:24px}
  .foot-grid{grid-template-columns:1fr}
  .hero-trust{gap:18px}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal,.lrow{opacity:1!important;transform:none!important}
}