:root{--p:#083344;--p2:#0E6E7A;--a:#FF8A3D;--a2:#D9641A;--ink:#101D24;--body:#33454C;--mut:#66777E;--line:#E3E9EB;--bg:#FFF6EE;--white:#fff;--r:22px}
*,*::before,*::after{box-sizing:border-box}
html{background:#fff;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:#fff;color:var(--body);font-family:'Public Sans',system-ui,sans-serif;font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;overflow-x:clip}
body.chat-open{overflow:hidden}
img{max-width:100%;height:auto}
a{color:inherit}
::selection{background:var(--a);color:var(--ink)}
h1,h2,h3{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:800;line-height:1.06;margin:0;letter-spacing:-.025em;color:var(--p)}
h3{font-weight:700;letter-spacing:-.015em}
h1 em,h2 em{font-style:normal;color:var(--a2)}
.eyebrow{display:inline-block;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--a2)}
.wrap{max-width:1180px;margin:0 auto;padding:0 40px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
/* util + nav */
.util{background:var(--p);color:rgba(255,255,255,.85);font-size:13px}
.util .wrap{display:flex;align-items:center;gap:16px;height:36px}
.util .sp{flex:1}
.util a{color:#fff;text-decoration:none;display:inline-flex;align-items:center;gap:6px;font-weight:600}
.nav{position:sticky;top:0;z-index:70;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;gap:24px;height:74px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:800;font-size:23px;letter-spacing:-.03em;color:var(--p);line-height:1;white-space:nowrap}
.logo em{font-style:normal;color:var(--a2)}
.logo svg{width:36px;height:36px;flex:none}
.links{display:flex;gap:2px;margin-left:auto;font-weight:500;font-size:15px}
.links a{text-decoration:none;padding:9px 12px;border-radius:8px;color:var(--p)}
.links a:hover,.links a[aria-current]{background:var(--bg)}
.nav-cta{display:flex;align-items:center;gap:10px}
.btn{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:15px;padding:14px 22px;border-radius:calc(var(--r) - 6px);border:1.5px solid var(--a);background:var(--a);color:var(--ink);text-decoration:none;display:inline-block;cursor:pointer;line-height:1.2}
.btn:hover{filter:brightness(.94)}
.btn.ghost{background:transparent;color:var(--p);border-color:rgba(0,0,0,.18)}
.btn.ghost:hover{background:var(--bg)}
.btn.onp{background:var(--a);color:var(--ink)}
.btn.ghost.onp{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn.ghost.onp:hover{background:rgba(255,255,255,.1)}
.btn-lg{font-size:16.5px;padding:17px 28px}
.menu-btn{display:none;width:44px;height:44px;border:1.5px solid var(--line);background:#fff;border-radius:8px;cursor:pointer;align-items:center;justify-content:center}
.mnav{display:none;position:fixed;inset:0;z-index:90;background:var(--p);color:#fff;padding:96px 28px 40px;flex-direction:column;gap:4px;overflow:auto}
.mnav.open{display:flex}
.mnav a{display:block;padding:14px 4px;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:24px;border-bottom:1px solid rgba(255,255,255,.14);color:#fff;text-decoration:none}
.mnav .btn{margin-top:18px;text-align:center;border-radius:10px}
.mnav-x{position:absolute;top:18px;right:18px;width:44px;height:44px;border:1.5px solid rgba(255,255,255,.4);background:transparent;color:#fff;border-radius:8px;font-size:22px;cursor:pointer}
/* hero */
.hero{position:relative;overflow:hidden;background:var(--p);color:#fff;padding:88px 0 80px}
.hero::before{content:"";position:absolute;right:-12%;top:-30%;width:64vw;height:64vw;max-width:880px;max-height:880px;border-radius:50%;background:radial-gradient(closest-side,var(--p2),transparent 70%);pointer-events:none;opacity:.95}
.hero::after{content:"";position:absolute;left:-10%;bottom:-45%;width:48vw;height:48vw;max-width:640px;max-height:640px;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.14),transparent 70%);pointer-events:none}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.hero.center .wrap{grid-template-columns:1fr;text-align:center;justify-items:center}
.hero.center .hero-copy{max-width:840px}
.hero.center .hero-sub{margin-left:auto;margin-right:auto}
.hero.center .hero-actions{justify-content:center}
.hero.center .hero-trust{justify-content:center}
.hero .eyebrow{color:var(--a)}
.hero h1{font-size:clamp(42px,5.8vw,78px);margin-top:18px;color:#fff;max-width:13ch}
.hero.center h1{max-width:none}
.hero h1 .hl{color:var(--a)}
.hero-sub{font-size:19.5px;line-height:1.6;color:rgba(255,255,255,.84);max-width:56ch;margin:22px 0 0}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px;align-items:center}
.hero-trust{display:flex;flex-wrap:wrap;gap:18px;margin-top:28px;font-size:14px;color:rgba(255,255,255,.75)}
.hero-trust span{display:inline-flex;align-items:center;gap:7px}
.hero-trust svg{color:var(--a)}
/* form card */
.fcard{background:#fff;color:var(--ink);border-radius:var(--r);padding:28px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
.hero.center .fcard{width:100%;max-width:760px;margin-top:40px;text-align:left}
.fcard .fh{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:800;font-size:22px;color:var(--p);letter-spacing:-.02em}
.fcard .fsub{margin:6px 0 16px;font-size:14.5px;color:var(--mut)}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.fg .full{grid-column:1/-1}
.field{width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:10px;font-family:'Public Sans',system-ui,sans-serif;font-size:15.5px;color:var(--ink);background:#fff;appearance:none}
select.field{background-image:linear-gradient(45deg,transparent 50%,var(--mut) 50%),linear-gradient(135deg,var(--mut) 50%,transparent 50%);background-position:calc(100% - 16px) 50%,calc(100% - 11px) 50%;background-size:5px 5px;background-repeat:no-repeat;padding-right:32px}
.field:focus{outline:none;border-color:var(--p2);box-shadow:0 0 0 4px rgba(0,0,0,.06)}
textarea.field{min-height:96px;resize:vertical}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.fcard .btn{width:100%;text-align:center;margin-top:4px}
.fnote{font-size:12.5px;color:var(--mut);margin:10px 0 0}
[data-ob-intake-status]{font-size:14px}
/* stats */
.stats{background:#fff;border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:28px 24px 26px 0;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-size:30px;font-weight:800;letter-spacing:-.03em;color:var(--p)}
.stat b::after{content:"";display:block;width:34px;height:4px;border-radius:2px;background:var(--a);margin:10px 0 8px}
.stat span{display:block;font-size:14px;color:var(--mut)}
/* sections */
.section{padding:88px 0}
.section.alt{background:var(--bg)}
.section.dark{background:var(--p);color:#fff}
.section.dark h2,.section.dark h3{color:#fff}
.section.dark .sub{color:rgba(255,255,255,.8)}
.sh{max-width:800px;margin-bottom:40px}
.sh h2{font-size:clamp(32px,4vw,50px);margin-top:12px}
.sub{font-size:18px;margin:16px 0 0;max-width:62ch}
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{position:relative;background:#fff;border:1px solid transparent;border-radius:var(--r);padding:28px;box-shadow:0 24px 48px -36px rgba(0,0,0,.45);overflow:hidden}
.card::before{content:"";position:absolute;left:0;top:0;right:0;height:5px;background:linear-gradient(90deg,var(--p2),var(--a))}
.card .n{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--a2)}
.card h3{font-size:22px;margin-top:10px}
.card p{margin:10px 0 0;font-size:15.5px}
.card a.more{display:inline-block;margin-top:14px;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:14.5px;color:var(--p2);text-decoration:none}
.card a.more::after{content:" \2192"}
a.card{text-decoration:none;color:inherit}
a.card:hover{transform:translateY(-2px)}
.dark .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#fff;box-shadow:none}
.dark .card p{color:rgba(255,255,255,.8)}
.dark .card .n{color:var(--a)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#fff;border:1px solid transparent;border-radius:var(--r);padding:28px;box-shadow:0 24px 48px -36px rgba(0,0,0,.45)}
.step .num{width:44px;height:44px;border-radius:50%;background:var(--p2);color:#fff;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:800;font-size:17px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.step h3{font-size:21px}
.step p{margin:8px 0 0;font-size:15.5px}
.ledger{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:0 24px 48px -36px rgba(0,0,0,.45)}
.ledger table{width:100%;border-collapse:collapse;font-size:16px}
.ledger th{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:#fff;background:var(--p);text-align:left;padding:16px 20px;font-weight:700}
.ledger td{padding:16px 20px;border-bottom:1px solid var(--line);font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;color:var(--p);font-size:17px}
.ledger tr:last-child td{border-bottom:0}
.ledger td:first-child{font-family:'Public Sans',system-ui,sans-serif;font-weight:600;color:var(--ink)}
.ledger tr.hi td{background:var(--bg)}
.ledger tr.hi td:first-child::after{content:"Most start here";font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:11px;letter-spacing:.08em;color:var(--ink);background:var(--a);text-transform:uppercase;margin-left:10px;padding:4px 8px;border-radius:999px;vertical-align:middle}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.tiles a{display:flex;align-items:center;gap:12px;text-decoration:none;padding:18px 20px;border:1px solid var(--line);border-radius:calc(var(--r) - 4px);background:#fff;color:var(--p);font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:17px;transition:background .15s,color .15s}
.tiles a span:last-child{margin-left:auto;color:var(--a2)}
.tiles a:hover{background:var(--p);color:#fff;border-color:var(--p)}
.tiles a:hover span:last-child{color:var(--a)}
.review{background:#fff;border:1px solid transparent;border-radius:var(--r);padding:26px;display:flex;flex-direction:column;gap:12px;position:relative;box-shadow:0 24px 48px -36px rgba(0,0,0,.45)}
.review::before{content:"\201C";position:absolute;right:20px;top:4px;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-size:80px;font-weight:800;color:var(--a);opacity:.4;line-height:1}
.review q{quotes:none;font-size:16px;line-height:1.6;color:var(--ink)}
.review .who{font-size:13.5px;color:var(--mut);margin-top:auto}
.review .who b{display:block;color:var(--p);font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:15.5px}
.stars{color:var(--a2);letter-spacing:2px;font-size:13px}
.rv-filters{display:flex;flex-wrap:wrap;gap:8px}
.rv-filters button{cursor:pointer;border:1px solid var(--line);background:#fff;color:var(--p);font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:13.5px;border-radius:999px;padding:8px 14px;min-height:36px}
.rv-filters button[aria-pressed="true"]{background:var(--p);border-color:var(--p);color:#fff}
.faqs{max-width:860px}
details.faq{background:#fff;border:1px solid var(--line);border-radius:calc(var(--r) - 4px);padding:4px 22px;margin-bottom:12px}
details.faq summary{cursor:pointer;list-style:none;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:17.5px;color:var(--p);padding:14px 30px 14px 0;position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:0;top:10px;color:var(--a2);font-size:24px;font-weight:400}
details.faq[open] summary::after{content:"\2212"}
details.faq p{margin:0 0 14px;line-height:1.65}
/* inner pages */
.page-h{background:var(--p);color:#fff;padding:60px 0 54px;position:relative;overflow:hidden}
.page-h::before{content:"";position:absolute;right:-10%;top:-60%;width:56vw;max-width:680px;height:56vw;max-height:680px;border-radius:50%;background:radial-gradient(closest-side,var(--p2),transparent 70%);pointer-events:none}
.page-h .wrap{position:relative}
.page-h .eyebrow{color:var(--a)}
.page-h h1{font-size:clamp(36px,4.8vw,62px);max-width:19ch;margin-top:14px;color:#fff}
.page-h .intro{font-size:19px;line-height:1.6;color:rgba(255,255,255,.84);max-width:66ch;margin:18px 0 0}
.crumbs{font-size:13px;color:var(--mut);padding:16px 0 0}
.crumbs a{text-decoration:none;color:var(--p2);padding:6px 0;display:inline-block}
.two{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:60px;padding:52px 0 76px;align-items:start}
.main{max-width:72ch;min-width:0}
.main h2{font-size:clamp(27px,3vw,36px);margin:44px 0 14px}
.main h2:first-child{margin-top:0}
.main h3{font-size:22px;margin:26px 0 10px}
.main p{margin:0 0 16px}
.main ul,.main ol{margin:0 0 18px;padding-left:22px}
.main li{margin:6px 0}
.main table{width:100%;border-collapse:collapse;font-size:15.5px;margin:0 0 18px}
.main th,.main td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.main th{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;color:var(--p);background:var(--bg)}
.main a{color:var(--p2)}
.byline{margin-top:34px;padding-top:18px;border-top:1px solid var(--line);font-size:14px;color:var(--mut)}
.sources{font-size:14px;color:var(--mut);margin-top:10px}
.sources a{word-break:break-all;color:var(--p2)}
.aside{position:sticky;top:94px;display:flex;flex-direction:column;gap:18px}
.abox{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:0 24px 48px -36px rgba(0,0,0,.45)}
.abox h3{font-size:19px}
.abox .eyebrow{display:block;margin-bottom:8px}
.abox ul{list-style:none;margin:10px 0 0;padding:0}
.abox li{border-top:1px solid var(--line)}
.abox li a{display:block;padding:11px 0;text-decoration:none;font-size:15px;color:var(--p);font-weight:500}
.abox li a:hover{color:var(--p2)}
.abox.dark{background:var(--p2);color:#fff;border-color:var(--p2)}
.abox.dark .eyebrow{color:var(--a)}
.abox.dark h3{color:#fff}
.abox.dark p{color:rgba(255,255,255,.86);font-size:14.5px;margin:10px 0 18px}
.abox.dark .btn{width:100%;text-align:center}
.facts b{display:block;font-family:'Bricolage Grotesque',system-ui,sans-serif;font-size:24px;font-weight:800;color:var(--p);letter-spacing:-.02em}
.facts span{display:block;font-size:13px;color:var(--mut);margin-bottom:12px}
.cta{background:var(--p);color:#fff;border-radius:var(--r);padding:44px;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;right:-100px;top:-100px;width:320px;height:320px;border-radius:50%;background:radial-gradient(closest-side,var(--p2),transparent 70%)}
.cta > *{position:relative}
.cta h2{color:#fff;font-size:clamp(28px,3.4vw,42px)}
.cta p{color:rgba(255,255,255,.82);margin:14px 0 0}
.cta .fcard{box-shadow:none}
/* footer */
footer{background:var(--p);color:#fff}
.fgrid{max-width:1180px;margin:0 auto;padding:60px 40px 30px;display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px}
.fgrid h3{font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:700;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--a);margin-bottom:12px}
.fgrid a{display:block;padding:5px 0;color:rgba(255,255,255,.78);text-decoration:none;font-size:14.5px;min-height:28px}
.fgrid a:hover{color:#fff}
.fgrid .logo{color:#fff;margin-bottom:12px}
.fgrid .logo em{color:var(--a)}
.fgrid p{font-size:14.5px;line-height:1.65;color:rgba(255,255,255,.72);max-width:36ch;margin:0}
.news{display:flex;gap:8px;margin-top:14px}
.news .field{flex:1;min-width:0;border-color:rgba(255,255,255,.25);background:rgba(255,255,255,.08);color:#fff}
.news .field::placeholder{color:rgba(255,255,255,.5)}
.news .btn{padding:12px 16px;border-radius:10px}
.fmeta{max-width:1180px;margin:0 auto;padding:18px 40px 36px;border-top:1px solid rgba(255,255,255,.14);display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;font-size:12.5px;color:rgba(255,255,255,.55)}
/* chat dock */
.dock{position:fixed;right:20px;bottom:20px;z-index:80;display:flex;flex-direction:column;gap:10px;align-items:flex-end}
.fab{width:60px;height:60px;border-radius:50%;border:0;cursor:pointer;display:flex;align-items:center;justify-content:center;box-shadow:0 14px 30px -12px rgba(0,0,0,.5);position:relative}
.fab-chat{background:var(--a);color:var(--ink)}
.fab[data-ob-unread="true"]::after{content:"";position:absolute;top:4px;right:4px;width:12px;height:12px;border-radius:50%;background:#e5484d;border:2px solid #fff}
.chatp{position:fixed;right:20px;bottom:92px;z-index:95;width:min(370px,calc(100vw - 32px));height:min(540px,calc(100vh - 120px));background:#fff;color:var(--ink);border-radius:16px;box-shadow:0 30px 60px -30px rgba(0,0,0,.5);display:none;flex-direction:column;overflow:hidden;border:1px solid var(--line)}
.chatp.open{display:flex}
.chat-head{display:flex;align-items:center;gap:10px;padding:12px 14px;background:var(--p);color:#fff}
.chat-av{width:38px;height:38px;border-radius:50%;background:var(--a);color:var(--ink);font-family:'Bricolage Grotesque',system-ui,sans-serif;font-weight:800;font-size:14px;display:flex;align-items:center;justify-content:center;flex:none}
.chat-who{display:flex;flex-direction:column;line-height:1.2;font-size:12.5px}
.chat-who b{font-size:14.5px}
.chat-x,.chat-back{margin-left:auto;background:none;border:0;color:#fff;font-size:22px;cursor:pointer;width:36px;height:36px}
.chat-back{margin-left:0;display:none}
.chat-body{flex:1;overflow:auto;padding:14px;display:flex;flex-direction:column;gap:8px;font-size:14.5px;line-height:1.45}
.msg{max-width:84%;padding:9px 12px;border-radius:12px;background:var(--bg)}
.msg.me{align-self:flex-end;background:var(--p2);color:#fff}
.chat-foot{display:flex;gap:8px;padding:10px;border-top:1px solid var(--line)}
.chat-foot input{flex:1;min-width:0;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;color:inherit}
.chat-foot button{padding:10px 14px;border:0;border-radius:10px;background:var(--p2);color:#fff;font:inherit;font-weight:700;cursor:pointer}
body.chatpg{background:var(--bg)}
body.chatpg .chatp{position:fixed;inset:0;width:auto;height:auto;border-radius:0;display:flex;bottom:0;right:0}
body.chatpg .chat-back{display:block}
body.chatpg .chat-x{display:none}
/* responsive */
@media (max-width:1000px){
  .hero .wrap{grid-template-columns:1fr;gap:40px}
  .two{grid-template-columns:1fr;gap:34px}
  .aside{position:static}
  .g4{grid-template-columns:1fr 1fr}
  .g3,.steps,.tiles{grid-template-columns:1fr 1fr}
  .fgrid{grid-template-columns:1fr 1fr}
  .cta{grid-template-columns:1fr}
}
@media (max-width:900px){
  .wrap{padding:0 18px}
  .links,.nav-cta .btn{display:none}
  .menu-btn{display:flex}
  .hero{padding:52px 0 48px}
  .section{padding:64px 0}
  .stats .wrap{grid-template-columns:1fr 1fr}
  .stat{padding:16px 12px 16px 0}
  .stat:nth-child(2){border-right:0}
  .hero h1{font-size:clamp(36px,9.5vw,54px)}
  .fcard{padding:20px}
  .fg{grid-template-columns:1fr}
  .cta{padding:28px 22px}
  .fgrid.footer-cols{grid-template-columns:1fr 1fr;padding:44px 18px 20px}
  .fmeta{padding:16px 18px 30px}
  .util .u-hide{display:none}
  .chatp{right:0;bottom:0;width:100vw;height:100vh;border-radius:0}
}
@media (max-width:600px){
  .g4,.g3,.g2,.steps,.tiles,.stats .wrap{grid-template-columns:1fr}
  .stat{border-right:0;border-bottom:1px solid var(--line)}
  .stat:last-child{border-bottom:0}
  .fgrid.footer-cols{grid-template-columns:1fr}
  .ledger table{font-size:14px}
  .ledger td,.ledger th{padding:12px 10px}
  .ledger tr.hi td:first-child::after{display:none}
  .news{flex-direction:column}
}