:root{
  --navy:#1B1B6B; --navy-2:#141450; --navy-3:#23238a;
  --teal:#0AA5A0; --teal-dark:#078580; --teal-soft:#e6f6f5;
  --ink:#17203a; --muted:#4c5872; --faint:#6b7794;
  --bg:#ffffff; --slate:#F4F7FA; --slate-2:#E9EEF4;
  --line:#D9E1EC; --card:#ffffff;
  --gold:#E8A33D;
  --radius:14px; --radius-s:9px;
  --shadow:0 10px 30px rgba(27,27,107,.10);
  --shadow-s:0 3px 12px rgba(27,27,107,.08);
  --font:"Avenir Next","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
  --font-display:"Avenir Next","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
}
@media (prefers-color-scheme: dark){
  :root{
    --navy:#8f8fe8; --navy-2:#0d0d2b; --navy-3:#1c1c55;
    --teal:#2fd3cd; --teal-dark:#2fd3cd; --teal-soft:#0f2f33;
    --ink:#eef1f8; --muted:#b9c2d8; --faint:#93a0bd;
    --bg:#10101f; --slate:#17172e; --slate-2:#1f1f3d;
    --line:#2c2c52; --card:#181830;
    --shadow:0 10px 30px rgba(0,0,0,.45); --shadow-s:0 3px 12px rgba(0,0,0,.35);
  }
}
*{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;font-size:16.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--teal-dark)}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--ink);line-height:1.18;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.6vw,3.05rem);font-weight:800}
h2{font-size:clamp(1.5rem,3.2vw,2.15rem);font-weight:750}
h3{font-size:1.22rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
button,[role="button"],select,summary,input:not([type="checkbox"]),textarea{min-height:2.25rem}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:4px}

/* ---------- header ---------- */
.topbar{background:var(--navy-2);color:#cfd2ff;font-size:.82rem}
@media (prefers-color-scheme: dark){.topbar{color:#b9bdf5}}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{position:sticky;top:0;z-index:60;background:var(--bg);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;gap:16px;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;flex:none}
.logo-mark{height:40px;min-width:52px;padding:0 7px;border-radius:10px;background:var(--navy);display:grid;place-items:center;color:#fff;font-weight:800;font-size:.82rem;letter-spacing:-.03em;white-space:nowrap;line-height:1}
@media (prefers-color-scheme: dark){.logo-mark{background:#23238a}}
.logo-mark span{color:var(--teal)}
.logo-name{font-weight:800;font-size:1.28rem;color:var(--ink);letter-spacing:-.02em;line-height:1}
.logo-name em{font-style:normal;color:var(--teal-dark)}
.logo-sub{font-size:.68rem;color:var(--faint);letter-spacing:.08em;text-transform:uppercase}
nav.main{display:flex;gap:2px;flex-wrap:wrap;margin-left:auto}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.93rem;padding:9px 11px;border-radius:8px;min-height:36px;display:inline-flex;align-items:center}
nav.main a:hover{background:var(--slate)}
nav.main a[aria-current="page"]{color:var(--teal-dark);background:var(--teal-soft)}
.country-switch{display:flex;border:1px solid var(--line);border-radius:999px;overflow:hidden;flex:none}
.country-switch button{border:0;background:var(--bg);color:var(--muted);font:inherit;font-weight:700;font-size:.85rem;padding:8px 14px;cursor:pointer;min-height:38px}
.country-switch button.on{background:var(--navy);color:#fff}
@media (prefers-color-scheme: dark){.country-switch button.on{background:#23238a}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:12px 22px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;min-height:48px}
.btn-teal{background:var(--teal);color:#04211f}
.btn-teal:hover{background:var(--teal-dark);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
@media (prefers-color-scheme: dark){.btn-navy{background:#23238a}}
.btn-navy:hover{filter:brightness(1.15)}
.btn-ghost{background:transparent;border-color:var(--navy);color:var(--navy)}
@media (prefers-color-scheme: dark){.btn-ghost{border-color:var(--teal);color:var(--teal)}}
.btn-ghost:hover{background:var(--teal-soft)}
.btn-sm{padding:9px 16px;min-height:42px;font-size:.93rem}
.menu-btn{display:none;margin-left:auto}
@media (max-width:900px){
  header.site .wrap{flex-wrap:wrap;row-gap:6px}
  .logo-name{font-size:1.08rem}
  .logo-sub{display:none}
  .country-switch button{padding:7px 11px}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--bg);border-bottom:1px solid var(--line);flex-direction:column;padding:10px 16px 16px;box-shadow:var(--shadow)}
  nav.main.open{display:flex}
  nav.main a{padding:12px}
  .menu-btn{display:inline-flex}
  .header-quote{display:none}
  .country-switch{margin-left:auto}
}

/* ---------- generic ---------- */
section.page{display:none;padding:44px 0 70px}
section.page.active{display:block}
section.band{padding:56px 0}
.band-slate{background:var(--slate)}
.band-navy{background:var(--navy-2);color:#e8e9ff}
.band-navy h2,.band-navy h3{color:#fff}
.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dark);margin-bottom:10px}
.lede{font-size:1.14rem;color:var(--muted);max-width:46rem}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-s)}
.card h3{margin-bottom:.35em}
.card p:last-child{margin-bottom:0}
.tag{display:inline-block;background:var(--teal-soft);color:var(--teal-dark);font-weight:700;font-size:.76rem;padding:3px 10px;border-radius:999px;letter-spacing:.03em}
table.rates{width:100%;border-collapse:collapse;font-size:.97rem;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
table.rates th{background:var(--navy);color:#fff;text-align:left;padding:12px 14px;font-size:.9rem}
@media (prefers-color-scheme: dark){table.rates th{background:#23238a}}
table.rates td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top}
table.rates tr td:first-child{font-weight:650}
.num{font-variant-numeric:tabular-nums;white-space:nowrap}
.small{font-size:.88rem;color:var(--muted)}
.tiny{font-size:.55rem;color:var(--faint);line-height:1.4}
.fineprint{font-size:.82rem;color:var(--faint)}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:7px 0 7px 30px;position:relative}
.checks li::before{content:"";position:absolute;left:2px;top:12px;width:14px;height:8px;border-left:3px solid var(--teal);border-bottom:3px solid var(--teal);transform:rotate(-45deg)}
.callout{border:1px solid var(--teal);background:var(--teal-soft);border-radius:var(--radius);padding:20px 22px}
.callout p:last-child{margin:0}

/* ---------- hero ---------- */
.hero{padding:52px 0 30px;background:linear-gradient(180deg,var(--slate) 0%,var(--bg) 100%)}
.hero h1{max-width:20ch}
.hero-sub{font-size:clamp(1.25rem,2.6vw,1.6rem);font-weight:750;color:var(--navy);margin:6px 0 4px}
@media (prefers-color-scheme: dark){.hero-sub{color:var(--teal)}}
.hero .lede{margin-bottom:22px}
.vs-strip{display:grid;grid-template-columns:1.25fr 1fr 1fr;gap:14px;margin:26px 0 18px}
@media (max-width:700px){.vs-strip{grid-template-columns:1fr}}
.vs-card{border-radius:var(--radius);padding:18px 20px;border:1px solid var(--line);background:var(--card)}
.vs-card .who{font-size:.82rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--faint)}
.vs-card .rate{font-size:1.9rem;font-weight:800;line-height:1.1;margin:4px 0 2px}
.vs-card.win{border:2px solid var(--teal);background:var(--teal-soft);box-shadow:var(--shadow-s)}
.vs-card.win .who{color:var(--teal-dark)}
.vs-card.win .rate{color:var(--navy)}
@media (prefers-color-scheme: dark){.vs-card.win .rate{color:var(--ink)}}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0 26px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:8px 15px;font-weight:650;font-size:.9rem}
.badge b{color:var(--teal-dark)}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- calculator ---------- */
.calc-shell{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow);background:var(--card)}
@media (max-width:860px){.calc-shell{grid-template-columns:1fr}}
.calc-inputs{padding:28px}
.calc-results{background:var(--navy-2);color:#eef0ff;padding:28px}
.calc-results h3{color:#fff}
.field{margin-bottom:18px}
.field label{display:flex;justify-content:space-between;font-weight:650;font-size:.95rem;margin-bottom:6px}
.field label output{font-weight:800;color:var(--teal-dark);font-variant-numeric:tabular-nums}
.field input[type="number"]{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:var(--radius-s);font:inherit;background:var(--bg);color:var(--ink)}
input[type="range"]{width:100%;accent-color:var(--teal);min-height:32px}
.result-big{font-size:2.35rem;font-weight:800;line-height:1.05;color:#fff}
.result-big small{font-size:1rem;font-weight:650;color:#b9bdf5}
.result-row{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px dashed rgba(255,255,255,.22);font-size:.95rem}
.result-row b{font-variant-numeric:tabular-nums;white-space:nowrap}
.result-row.total{border-bottom:0;font-size:1.08rem}
.save-line{background:rgba(10,165,160,.18);border:1px solid var(--teal);border-radius:10px;padding:12px 14px;margin-top:14px;font-size:.95rem}
.calc-results .fineprint{color:#aab}
.btn-calc{width:100%;margin-top:16px}
.pdf-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;margin-top:12px}

/* ---------- forms ---------- */
form.quote{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:640px){form.quote{grid-template-columns:1fr}}
form.quote .full{grid-column:1/-1}
form.quote label{display:block;font-weight:650;font-size:.93rem;margin-bottom:5px}
form.quote input,form.quote select,form.quote textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:var(--radius-s);font:inherit;background:var(--bg);color:var(--ink)}
form.quote textarea{min-height:96px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.92rem}
form.quote .consent input{width:20px;height:20px;margin-top:3px;flex:0 0 auto;accent-color:var(--teal)}
form.quote .consent label{flex:1;min-width:0;margin-bottom:0;line-height:1.45}
.form-ok{display:none;border:1px solid var(--teal);background:var(--teal-soft);border-radius:var(--radius);padding:22px}
.form-ok.show{display:block}

/* ---------- articles & hubs ---------- */
.article-body{max-width:46rem}
.article-body h2{margin-top:1.4em}
.byline{display:flex;gap:14px;flex-wrap:wrap;color:var(--faint);font-size:.9rem;border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:22px}
.guide-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.guide-list li{border:1px solid var(--line);border-radius:var(--radius-s);padding:13px 16px;background:var(--card);display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;align-items:baseline}
.guide-list .kw{font-size:.82rem;color:var(--faint)}
details.faq{border:1px solid var(--line);border-radius:var(--radius-s);background:var(--card);margin-bottom:10px}
details.faq summary{cursor:pointer;font-weight:700;padding:15px 18px;min-height:48px}
details.faq .faq-a{padding:0 18px 16px;color:var(--muted)}
.pillnav{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0 26px}
.pillnav a{border:1px solid var(--line);border-radius:999px;padding:9px 16px;text-decoration:none;color:var(--ink);font-weight:650;font-size:.9rem;min-height:38px;display:inline-flex;align-items:center;background:var(--card)}
.pillnav a:hover{border-color:var(--teal);color:var(--teal-dark)}

/* ---------- footer ---------- */
footer.site{background:var(--navy-2);color:#c9ccf5;margin-top:0}
footer.site .wrap{padding-top:44px;padding-bottom:30px}
footer.site h4{color:#fff;font-size:1rem;margin-bottom:10px}
footer.site a{color:#c9ccf5;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:26px}
@media (max-width:800px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.foot-grid{grid-template-columns:1fr}}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin:6px 0}
.legal{border-top:1px solid rgba(255,255,255,.18);margin-top:30px;padding-top:18px;font-size:.84rem;color:#9ba0d8}

/* ---------- assistant ---------- */
.assistant-fab{position:fixed;right:18px;bottom:18px;z-index:80;background:var(--teal);color:#04211f;border:0;border-radius:999px;padding:14px 20px;font:inherit;font-weight:800;cursor:pointer;box-shadow:var(--shadow);min-height:52px}
@media (max-width:600px){.assistant-fab{padding:10px 15px;min-height:44px;font-size:.88rem;right:12px;bottom:12px}}
.assistant-panel{position:fixed;right:18px;bottom:82px;z-index:80;width:min(380px,calc(100vw - 24px));max-height:70vh;display:none;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);overflow:hidden}
.assistant-panel.open{display:flex}
.assistant-head{background:var(--navy);color:#fff;padding:14px 16px;font-weight:750}
@media (prefers-color-scheme: dark){.assistant-head{background:#23238a}}
.assistant-head small{display:block;font-weight:500;color:#c9ccf5;font-size:.8rem}
.assistant-log{padding:14px 16px;overflow-y:auto;display:flex;flex-direction:column;gap:10px;font-size:.93rem}
.msg{border-radius:12px;padding:10px 13px;max-width:92%}
.msg.bot{background:var(--slate)}
.msg.user{background:var(--teal-soft);align-self:flex-end}
.assistant-chips{display:flex;flex-wrap:wrap;gap:7px;padding:0 16px 10px}
.assistant-chips button{border:1px solid var(--line);background:var(--bg);color:var(--ink);border-radius:999px;padding:8px 12px;font:inherit;font-size:.83rem;font-weight:650;cursor:pointer;min-height:36px}
.assistant-form{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line)}
.assistant-form input{flex:1;padding:10px 12px;border:1px solid var(--line);border-radius:9px;font:inherit;background:var(--bg);color:var(--ink)}
.assistant-form button{background:var(--navy);color:#fff;border:0;border-radius:9px;padding:10px 16px;font:inherit;font-weight:700;cursor:pointer;min-height:44px}
@media (prefers-color-scheme: dark){.assistant-form button{background:#23238a}}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}}

/* multi-page: the single section on each page is always shown */
section.page{display:block}
.form-error{display:none;color:#b3261e;font-weight:600;margin-top:8px}
.form-error.show{display:block}
.term-img{display:block;width:100%;height:230px;object-fit:contain;background:#fff;border-radius:10px;margin:6px 0 4px}
.photo-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:22px}
.photo-grid figure{margin:0}
.photo-grid img{width:100%;height:auto;border-radius:12px;display:block}
.photo-grid figcaption{color:#4b5563;font-size:.92rem;margin-top:8px}
@media(max-width:640px){.photo-grid{grid-template-columns:1fr}}
.skip-link{position:absolute;left:-9999px;top:0;background:#1B1B6B;color:#fff;padding:10px 16px;z-index:100;font-weight:700;text-decoration:none}
.skip-link:focus{left:0}
.logo img{height:42px;width:auto;display:block}
.logo picture{display:block;line-height:0}
@media(max-width:900px){.logo img{height:34px}}
h2{font-weight:800;letter-spacing:-.015em}
.lede{font-size:1.18rem}
section.band h2{margin-bottom:.35em}
nav.main a[aria-current="page"]{color:var(--teal-dark);background:var(--teal-soft);font-weight:800;box-shadow:inset 0 -3px 0 var(--teal)}
table.rates td:nth-child(2),table.rates td:nth-child(3){color:var(--teal-dark);font-weight:800}
.calc-results .result-row b{color:#8ef0e9}
.calc-results .result-big small{color:#5eead4}
.save-line strong{color:var(--teal-dark)}