:root{--navy:#0B2545;--navy2:#13315C;--teal:#13C4C4;--teal-d:#0E9C9C;--bg:#F5F8FB;--text:#1B2A3A;--muted:#5B6B7C;--r:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.6}
img{max-width:100%;display:block}a{color:var(--teal-d)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.site{position:sticky;top:0;z-index:10;background:var(--navy);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:1.1rem}
.brand img{width:40px;height:40px;border-radius:50%;background:#fff}
.brand span b{color:var(--teal)}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:22px}
nav.main a{color:#dfe8f2;text-decoration:none;font-weight:600}nav.main a:hover,nav.main a[aria-current]{color:var(--teal)}
.menu-btn{display:none;background:none;border:2px solid var(--teal);color:#fff;border-radius:10px;padding:6px 12px;font-weight:700}
@media(max-width:820px){.menu-btn{display:block}nav.main{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy)}nav.main.open{display:block}nav.main ul{flex-direction:column;gap:0;padding:8px 20px 16px}nav.main li a{display:block;padding:10px 0}}
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn-primary{background:var(--teal);color:var(--navy)}.btn-primary:hover{background:#2fd8d8}
.btn-ghost{border:2px solid #fff;color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1)}
.hero{background:radial-gradient(circle at 80% 20%,#16477a 0,var(--navy) 60%);color:#fff;padding:64px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:.2em 0}.hero h1 em{color:var(--teal);font-style:normal}
.hero p.lead{font-size:1.15rem;color:#cfdced;max-width:560px}
.hero-art{width:200px;height:200px;margin:12px auto 0}
.hero-art img{width:200px;height:200px;border-radius:50%;object-fit:cover;display:block;filter:drop-shadow(0 18px 28px rgba(0,0,0,.45))}
@media(max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero-art{order:-1;width:148px;height:148px;margin:8px auto 4px}.hero-art img{width:148px;height:148px}}



.pill{display:inline-block;background:rgba(19,196,196,.15);color:var(--teal);border:1px solid rgba(19,196,196,.4);padding:4px 12px;border-radius:999px;font-size:.85rem;font-weight:700}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}


section{padding:64px 0}section.alt{background:var(--bg)}
.sec-head{text-align:center;max-width:680px;margin:0 auto 36px}.sec-head h2{font-size:clamp(1.6rem,3.5vw,2.3rem);margin:0 0 8px;color:var(--navy)}.sec-head p{color:var(--muted);margin:0}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid #e3eaf2;border-radius:var(--r);padding:24px;box-shadow:0 4px 18px rgba(11,37,69,.06)}
.card h3{margin:.4em 0 .3em;color:var(--navy)}.card p{margin:0;color:var(--muted)}
.icon{width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--teal),#0E8AA8);display:grid;place-items:center;font-size:1.6rem}
.ai-tag{font-size:.72rem;font-weight:800;letter-spacing:.06em;color:var(--teal-d);text-transform:uppercase}
.steps{counter-reset:s}.step{position:relative;padding-top:56px}.step:before{counter-increment:s;content:counter(s);position:absolute;top:20px;left:24px;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--teal);font-weight:800;display:grid;place-items:center}
.band{background:var(--navy);color:#fff;border-radius:24px;padding:36px;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.band h2{margin:0 0 6px}.band p{margin:0;color:#cfdced}
form .row{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:4px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 14px;border:1.5px solid #cdd8e4;border-radius:12px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(19,196,196,.2)}
.field{margin-bottom:14px}.hidden{display:none}
.newsletter{display:flex;gap:10px;flex-wrap:wrap;max-width:520px;margin:0 auto}.newsletter input{flex:1 1 220px}
.note{font-size:.85rem;color:var(--muted)}
.disclaimer{background:#FFF8E6;border:1px solid #F2D58A;border-radius:12px;padding:12px 16px;font-size:.9rem;color:#5c4a12}
.results{background:var(--navy);color:#fff;border-radius:var(--r);padding:24px}
.results .big{font-size:2.4rem;font-weight:800;color:var(--teal);line-height:1.1}
.results table{width:100%;border-collapse:collapse;margin-top:12px}.results td{padding:7px 0;border-bottom:1px solid rgba(255,255,255,.12)}.results td:last-child{text-align:right;font-weight:700}
.bar{display:flex;height:12px;border-radius:6px;overflow:hidden;margin-top:14px;background:#294b72}.bar span{display:block}
.tool{display:grid;grid-template-columns:1fr 1fr;gap:24px}@media(max-width:820px){.tool{grid-template-columns:1fr}}
.price{font-size:2rem;font-weight:800;color:var(--navy)}.price small{font-size:.9rem;color:var(--muted);font-weight:600}
.card.featured{border:2px solid var(--teal)}
.card ul{padding-left:18px;color:var(--muted);margin:12px 0 0}
.page-hero{background:var(--navy);color:#fff;padding:48px 0}.page-hero h1{margin:0 0 6px;font-size:clamp(1.8rem,4vw,2.6rem)}.page-hero p{margin:0;color:#cfdced;max-width:680px}
.prose{max-width:760px}.prose h2{color:var(--navy)}
footer.site{background:#071a33;color:#b8c7d8;padding:44px 0 28px;font-size:.92rem}
footer.site .cols{display:grid;gap:24px;grid-template-columns:2fr 1fr 1fr}@media(max-width:700px){footer.site .cols{grid-template-columns:1fr}}
footer.site a{color:#dfe8f2;text-decoration:none}footer.site a:hover{color:var(--teal)}footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:6px 0}
footer.site h4{color:#fff;margin:0 0 10px}.foot-disc{border-top:1px solid #1e3554;margin-top:28px;padding-top:18px;font-size:.82rem;color:#8ea3bb}
.agent-detail{display:grid;grid-template-columns:72px 1fr;gap:18px}.agent-detail ul{margin-top:8px}

.newsletter-consent{text-align:center;max-width:520px;margin:12px auto 0}
.newsletter-status{text-align:center;max-width:520px;margin:12px auto 0;font-weight:600;font-size:.95rem}
.newsletter-status.ok{color:#0a7a4a}
.newsletter-status.err{color:#b42318}
.newsletter.busy button{opacity:.7;pointer-events:none}

/* Sponsored / affiliate placeholders */
.ad-label{display:inline-block;font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);background:#eef2f6;border:1px solid #d5dee8;padding:3px 8px;border-radius:6px;margin-bottom:10px}
.card.sponsor-slot{border-style:dashed;border-color:#c5d3e3;background:#fafcfe;text-align:center;display:flex;flex-direction:column;align-items:center}
.card.sponsor-slot .icon{opacity:.85;margin:0 auto}
.card.sponsor-slot h3{margin:.5em 0 .25em}
.card.sponsor-slot .slot-brand{font-weight:800;color:var(--navy);font-size:1.05rem;margin:4px 0 8px}
.card.sponsor-slot .btn{margin-top:auto;padding:10px 18px;font-size:.92rem}
.sponsor-strip{display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px;background:#fafcfe;border:1.5px dashed #c5d3e3;border-radius:var(--r);padding:18px 22px;margin:0 0 28px}
.sponsor-strip .strip-copy{flex:1 1 220px;min-width:0}
.sponsor-strip .strip-copy h3{margin:4px 0 4px;color:var(--navy);font-size:1.15rem}
.sponsor-strip .strip-copy p{margin:0;color:var(--muted);font-size:.95rem}
.sponsor-strip .btn{flex:0 0 auto}
.sponsor-strip.compact{padding:14px 18px;margin:28px 0 0}