/* PlainRate Funding — clean & corporate. White, navy, one confident blue, real photography, generous space. */
@font-face{font-family:"Inter";src:url(fonts/inter-latin-wght-normal.woff2) format("woff2");font-weight:100 900;font-display:swap}

:root{
  --navy:#0b1f3a; --text:#24324a; --muted:#56637a; --faint:#5f6b80;
  --blue:#1b55f0; --blue-2:#1442c2; --blue-soft:#eaf0ff; --blue-tint:#f5f8ff;
  --green:#0b7350; --green-soft:#e3f6ee; --amber:#8a5000; --amber-soft:#fff4e0; --red:#a8243c; --red-soft:#fdecef;
  --bg:#ffffff; --alt:#f6f8fb; --line:#e3e8f0;
  --r-sm:8px; --r:12px; --r-lg:16px;
  --sh-sm:0 1px 2px rgba(11,31,58,.06);
  --sh:0 1px 3px rgba(11,31,58,.06),0 8px 24px -12px rgba(11,31,58,.18);
  --sh-lg:0 2px 6px rgba(11,31,58,.06),0 24px 48px -20px rgba(11,31,58,.30);
  --wrap:1200px;
  --sans:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --safe-b:env(safe-area-inset-bottom,0px);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;background:var(--bg);color:var(--text);font:400 17px/1.65 var(--sans);font-feature-settings:"cv11","ss01";-webkit-font-smoothing:antialiased;-webkit-tap-highlight-color:transparent;overflow-x:hidden}
::selection{background:var(--blue-soft)}
img,svg{max-width:100%;height:auto}
img{display:block}
a{color:var(--blue);text-decoration:none;font-weight:500}
a:hover{color:var(--blue-2)}
p a:not(.btn),li a:not(.btn),dd a,td a,.consent a,.crumbs a{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px;text-decoration-color:rgba(31,94,255,.4)}
p a:not(.btn):hover,li a:not(.btn):hover{text-decoration-color:currentColor}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:4px}
h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.025em;font-weight:700;text-wrap:balance}
h1{font-size:clamp(2.3rem,4.8vw,3.6rem);margin:.15em 0 .45em}
h2{font-size:clamp(1.75rem,3.2vw,2.4rem);margin:1.6em 0 .5em}
h3{font-size:1.15rem;letter-spacing:-.01em;margin:1.4em 0 .4em;font-weight:650;line-height:1.3}
p{text-wrap:pretty}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left));padding-right:max(20px,env(safe-area-inset-right))}
@media (min-width:760px){.wrap{padding-left:32px;padding-right:32px}}
.muted{color:var(--muted)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px 14px;z-index:99;box-shadow:var(--sh)}
[hidden]{display:none!important}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:650;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin:0 0 14px}
.eyebrow b{font-weight:650;color:var(--muted)}
mark,.hl{background:none;color:var(--blue)}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.6) blur(8px);-webkit-backdrop-filter:saturate(1.6) blur(8px);border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;gap:28px;min-height:72px}
.logo{display:inline-flex;align-items:center;gap:10px;color:var(--navy);margin:0;white-space:nowrap}
.logo:hover{color:var(--navy)}
.lg-mark{width:34px;height:34px;flex:none}
.lg-word{font-weight:750;font-size:1.22rem;letter-spacing:-.02em;display:flex;align-items:baseline;gap:6px}
.lg-word span{font-weight:500;color:var(--muted);font-size:1.05rem}
.nav{display:flex;gap:2px;margin-left:auto}
.nav a{font-size:.95rem;font-weight:500;color:var(--text);padding:10px 14px;border-radius:var(--r-sm)}
.nav a:hover{background:var(--alt);color:var(--navy)}
.nav a[aria-current]{color:var(--blue);font-weight:600}
@media (max-width:980px){.nav{display:none}.head-row .btn{margin-left:auto}}
@media (max-width:420px){.lg-word{font-size:1.08rem}.lg-word span{display:none}.lg-mark{width:30px;height:30px}.head-row{min-height:62px;gap:12px}}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:13px 24px;border-radius:var(--r-sm);border:1px solid transparent;background:var(--blue);color:#fff;font:600 1rem/1.1 var(--sans);cursor:pointer;box-shadow:0 1px 2px rgba(11,31,58,.12);transition:background .15s,box-shadow .15s,transform .1s;touch-action:manipulation;-webkit-user-select:none;user-select:none;text-decoration:none}
.btn:hover{background:var(--blue-2);color:#fff}
.btn:active{transform:translateY(1px)}
.btn:disabled{opacity:.6;cursor:wait}
.btn-sm{min-height:42px;padding:9px 18px;font-size:.94rem}
.btn-lg{min-height:56px;padding:16px 30px;font-size:1.06rem}
.btn-ghost{background:#fff;color:var(--navy);border-color:#cfd7e4}
.btn-ghost:hover{background:var(--alt);color:var(--navy)}
.btn-light{background:#fff;color:var(--blue)}
.btn-light:hover{background:var(--blue-soft);color:var(--blue-2)}
.btn-block{width:100%}
.arrow::after{content:"→";transition:transform .15s}
.arrow:hover::after{transform:translateX(3px)}

/* ---------- hero ---------- */
.hero{padding:64px 0 80px;background:linear-gradient(180deg,var(--blue-tint) 0%,#fff 100%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero h1{font-size:clamp(2.5rem,5.4vw,4rem);letter-spacing:-.035em;line-height:1.06;margin:0 0 .4em}
.hero h1 span{color:var(--blue)}
.hero .lede{font-size:clamp(1.06rem,1.5vw,1.2rem);color:var(--muted);max-width:32em;margin:0}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.trust-row{display:flex;flex-wrap:wrap;gap:10px 24px;margin:28px 0 0;padding:0;list-style:none}
.trust-row li{display:flex;align-items:center;gap:8px;font-size:.92rem;font-weight:550;color:var(--text)}
.trust-row svg{width:18px;height:18px;color:var(--green);flex:none}
.hero-media{position:relative}
.hero-photo{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg);aspect-ratio:4/5;max-height:600px;margin-left:auto;width:min(100%,460px);background:#dfe5ee}
.hero-photo img{width:100%;height:100%;object-fit:cover}
@media (max-width:980px){.hero{padding:36px 0 56px}.hero-grid{grid-template-columns:1fr;gap:40px}.hero-photo{margin:0 auto;aspect-ratio:4/3;width:100%}.hero-photo img{object-position:50% 22%}}
@media (max-width:520px){.hero-actions .btn{width:100%}}

/* estimator card (floats over photo on desktop) */
.est{position:absolute;left:-40px;bottom:-34px;width:min(360px,92%);background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:20px 20px 16px}
@media (max-width:980px){.est{position:relative;left:auto;bottom:auto;width:100%;margin-top:-56px;margin-left:auto;margin-right:auto;max-width:440px}}
.est-head{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:10px}
.est-head h2{font-size:.95rem;font-weight:650;margin:0;letter-spacing:-.005em}
.est-head span{font-size:.75rem;font-weight:600;color:var(--muted)}
.est-apr{display:flex;align-items:baseline;gap:10px;margin:2px 0 6px}
.est-apr b{font-size:2.6rem;font-weight:750;letter-spacing:-.04em;line-height:1;color:var(--navy);font-variant-numeric:tabular-nums}
.est-apr small{font-size:.82rem;font-weight:600;color:var(--muted)}
.est-bar{height:8px;border-radius:8px;background:linear-gradient(90deg,#16a36f 0%,#e9b400 45%,#d9443f 100%);position:relative;margin:4px 0 14px}
.est-bar i{position:absolute;top:50%;width:16px;height:16px;margin:-8px 0 0 -8px;border-radius:50%;background:#fff;border:3px solid var(--navy);transition:left .35s ease}
.est label{display:block;margin-top:8px}
.est label span{display:flex;justify-content:space-between;font-size:.85rem;font-weight:550;color:var(--muted)}
.est output{color:var(--navy);font-weight:650;font-variant-numeric:tabular-nums}
.est-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}
.est-stats small{display:block;font-size:.72rem;font-weight:600;color:var(--muted)}
.est-stats b{font-size:.98rem;font-weight:650;color:var(--navy);font-variant-numeric:tabular-nums}
.est-foot{font-size:.72rem;color:var(--muted);margin:10px 0 0}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;margin:0;cursor:pointer;touch-action:pan-y}
input[type=range]::-webkit-slider-runnable-track{height:4px;border-radius:4px;background:#d5dceb}
input[type=range]::-moz-range-track{height:4px;border-radius:4px;background:#d5dceb}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;margin-top:-9px;border-radius:50%;background:var(--blue);border:3px solid #fff;box-shadow:0 1px 4px rgba(11,31,58,.35)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--blue);border:3px solid #fff;box-shadow:0 1px 4px rgba(11,31,58,.35)}

/* stats band */
.stats{border-bottom:1px solid var(--line);background:#fff}
.stats ul{list-style:none;margin:0 auto;padding:30px 20px;max-width:var(--wrap);display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media (min-width:760px){.stats ul{padding:34px 32px}}
.stats li{text-align:center}
.stats b{display:block;font-size:1.7rem;font-weight:750;letter-spacing:-.03em;color:var(--navy)}
.stats span{font-size:.9rem;color:var(--muted);font-weight:500}
@media (max-width:760px){.stats ul{grid-template-columns:1fr 1fr;gap:22px 12px}.stats b{font-size:1.4rem}}

/* ---------- sections ---------- */
.section{padding:88px 0}
.section-alt,.section-tint{background:var(--alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:46em;margin-bottom:44px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head h2{margin-top:0}
.section-head p{color:var(--muted);font-size:1.1rem;margin:0}
@media (max-width:700px){.section{padding:60px 0}.section-head{margin-bottom:30px}}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:980px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.cards{grid-template-columns:1fr}}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 24px 22px;color:var(--text);box-shadow:var(--sh-sm);transition:box-shadow .2s,border-color .2s}
a.card:hover{box-shadow:var(--sh);border-color:#c9d5f2;color:var(--text)}
.ic{display:grid;place-items:center;flex:none}
.ic svg{width:22px;height:22px}
.card .ic{width:44px;height:44px;border-radius:10px;background:var(--blue-soft);color:var(--blue);margin-bottom:18px}
.card h3{font-size:1.18rem;margin:0 0 8px}
.card p{margin:0 0 18px;color:var(--muted);font-size:.97rem}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:auto}
.pill{font-size:.78rem;font-weight:600;border-radius:999px;padding:4px 10px;background:var(--alt);color:var(--text);border:1px solid var(--line)}
.pill.lo{background:var(--green-soft);color:var(--green);border-color:#c7ead9}
.pill.mid{background:var(--amber-soft);color:var(--amber);border-color:#f6dfb2}
.pill.hi{background:var(--red-soft);color:var(--red);border-color:#f6ccd4}
.card .go{font-size:.94rem;font-weight:600;color:var(--blue);margin-top:18px}

/* industries */
.inds{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:860px){.inds{grid-template-columns:1fr}}
.ind{border-radius:var(--r);overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:var(--sh-sm)}
.ind img{width:100%;aspect-ratio:3/2;object-fit:cover;background:#dfe5ee}
.ind div{padding:18px 20px 20px}
.ind h3{margin:0 0 4px;font-size:1.08rem}
.ind p{margin:0;color:var(--muted);font-size:.95rem}

/* split: checks + calc promo */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.split h2{margin-top:0}
.checklist{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:16px}
.checklist li{display:grid;grid-template-columns:28px 1fr;gap:12px}
.checklist svg{width:24px;height:24px;color:var(--green);margin-top:2px}
.checklist b{display:block;color:var(--navy);font-weight:650}
.checklist span{color:var(--muted);font-size:.97rem}
.promo{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--sh)}
.promo table{width:100%;border-collapse:collapse;margin:10px 0 20px;font-variant-numeric:tabular-nums}
.promo td{padding:11px 0;border-bottom:1px solid var(--line);font-size:.97rem}
.promo td:last-child{text-align:right;font-weight:650;color:var(--navy)}
.promo tr.total td{border-bottom:0;font-size:1.1rem}
.promo tr.total td:last-child{color:var(--red)}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:s}
.steps li{counter-increment:s;color:var(--muted);font-size:.97rem;padding-top:4px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;margin-bottom:16px}
.steps strong{display:block;color:var(--navy);font-size:1.08rem;margin-bottom:6px;font-weight:650}
.steps .ic{display:none}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}

/* standards */
.never{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.never h2{margin-top:0}
.never ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.never li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 18px 18px 52px;position:relative;color:var(--text);font-size:.97rem}
.never li::before{content:"";position:absolute;left:18px;top:20px;width:22px;height:22px;border-radius:50%;background:var(--red-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M6.5 6.5l7 7M13.5 6.5l-7 7' stroke='%23c4314b' stroke-width='2.2' stroke-linecap='round'/%3E%3C/svg%3E") center/14px no-repeat}
@media (max-width:860px){.never{grid-template-columns:1fr;gap:24px}.never ul{grid-template-columns:1fr}}

.faq-split{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.faq-split h2{margin-top:0}
@media (max-width:860px){.faq-split{grid-template-columns:1fr;gap:20px}}
.faq-wrap{max-width:860px;margin:0 auto}

/* ---------- long-form ---------- */
.article{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:64px;padding-top:12px;padding-bottom:88px}
.prose{max-width:44em;min-width:0}
.prose p,.prose li{color:var(--text)}
.prose li{margin:.45em 0}
.prose li::marker{color:var(--blue)}
.prose strong{color:var(--navy);font-weight:650}
.prose .lede{font-size:1.2rem;color:var(--muted);line-height:1.6}
.prose h1{font-size:clamp(2.2rem,4.6vw,3.2rem)}
.prose h2{scroll-margin-top:96px;font-size:clamp(1.5rem,2.6vw,1.9rem)}
.aside{position:sticky;top:96px;align-self:start;display:grid;gap:16px}
.aside .box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.aside .box:last-child{background:var(--navy);border-color:var(--navy);color:#fff}
.aside .box:last-child h2{color:#fff}
.aside .box:last-child .muted{color:#c3cbdb!important}
.aside .box:last-child .btn{background:#fff;color:var(--blue)}
.aside h2{font-size:1.05rem;margin:0 0 10px}
.aside a.toc{display:block;font-size:.93rem;padding:7px 0;color:var(--text);border-bottom:1px solid var(--line)}
.aside a.toc:last-of-type{border:0}
.aside a.toc:hover{color:var(--blue)}
.aside .btn{width:100%;margin-top:6px}
@media (max-width:1000px){.article{grid-template-columns:1fr;gap:28px}.aside{position:static}.aside .box:first-child{display:none}}
.callout{background:var(--blue-tint);border:1px solid #d6e2ff;border-left:4px solid var(--blue);border-radius:var(--r-sm);padding:18px 20px;margin:1.8em 0}
.callout p{margin:.3em 0;color:var(--navy)}
.facts{display:grid;grid-template-columns:auto 1fr;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:1.8em 0}
.facts dt,.facts dd{padding:12px 18px;margin:0;border-bottom:1px solid var(--line)}
.facts dt{font-size:.88rem;font-weight:600;color:var(--muted);background:var(--alt)}
.facts dd{color:var(--navy)}
.facts dt:last-of-type,.facts dd:last-of-type{border-bottom:0}
@media (max-width:560px){.facts{grid-template-columns:1fr}.facts dt{border-bottom:0;padding-bottom:2px}.facts dd{padding-top:2px}}
.table-wrap{overflow-x:auto;margin:1.8em 0;border:1px solid var(--line);border-radius:var(--r);background:#fff;-webkit-overflow-scrolling:touch}
table.compare{border-collapse:collapse;width:100%;font-size:.95rem;min-width:560px}
table.compare th,table.compare td{padding:13px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
table.compare td{font-variant-numeric:tabular-nums}
table.compare thead th{background:var(--alt);color:var(--navy);font-size:.85rem;font-weight:650}
table.compare tbody tr:last-child td{border-bottom:0}
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.faq summary{cursor:pointer;list-style:none;font-weight:600;color:var(--navy);padding:18px 54px 18px 20px;position:relative;min-height:58px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:20px;top:50%;width:10px;height:10px;margin-top:-7px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(225deg);margin-top:-2px}
.faq details>div{padding:0 20px 20px;color:var(--muted)}
.crumbs{font-size:.88rem;color:var(--muted);padding-top:22px}
.crumbs a{color:var(--muted)}

.cta-band{background:var(--blue);color:#fff;padding:64px 0}
.cta-band .wrap{display:grid;grid-template-columns:1fr auto;gap:12px 40px;align-items:center}
.cta-band h2{color:#fff;margin:0;font-size:clamp(1.7rem,3.4vw,2.4rem);grid-column:1}
.cta-band p{margin:0;color:#fff;grid-column:1}
.cta-band .btn{grid-column:2;grid-row:1/span 2}
@media (max-width:800px){.cta-band{padding:52px 0}.cta-band .wrap{grid-template-columns:1fr}.cta-band .btn{grid-column:1;grid-row:auto;width:100%}}

/* ---------- forms ---------- */
.form-page{padding:44px 0 88px;background:linear-gradient(180deg,var(--blue-tint),#fff 320px)}
.form-shell{max-width:720px;margin:0 auto;padding:0 max(20px,env(safe-area-inset-left))}
.form-shell>.eyebrow{display:block;text-align:center}
.form-shell>h1{text-align:center;font-size:clamp(2.1rem,5vw,3rem);margin:0 0 .3em}
.form-shell>h1 .grad-text,.form-shell>h1 span{color:var(--blue)}
.form-shell>p.muted{text-align:center;margin:0 0 28px;font-size:1.06rem}
.form-shell>p.fine{color:var(--muted);font-size:.8rem;margin:18px 0 0;text-align:center}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-lg);padding:32px}
@media (max-width:560px){.form-card{padding:22px 16px}}
.progress{display:flex;align-items:center;gap:14px;margin:0 0 24px;font-size:.86rem;font-weight:600;color:var(--muted)}
.progress-bar{flex:1;height:6px;border-radius:6px;background:var(--alt);overflow:hidden}
.progress-bar span{display:block;height:100%;width:0;border-radius:6px;background:var(--blue);transition:width .3s}
fieldset{border:0;padding:0;margin:0 0 6px;min-width:0}
legend{font-weight:700;font-size:clamp(1.4rem,3.6vw,1.75rem);letter-spacing:-.02em;line-height:1.2;color:var(--navy);margin-bottom:20px;padding:0}
.field{margin-bottom:16px}
.field label{display:block;font-size:.9rem;font-weight:600;color:var(--navy);margin-bottom:7px}
.field input,.field select{width:100%;min-height:54px;font:500 17px/1.2 var(--sans);padding:13px 15px;border:1px solid #cdd5e2;border-radius:var(--r-sm);background:#fff;color:var(--navy);-webkit-appearance:none;appearance:none;transition:border-color .15s,box-shadow .15s}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 8l5 5 5-5' fill='none' stroke='%2356637a' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;background-size:18px;padding-right:42px}
.field input:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(31,94,255,.18)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.row2{grid-template-columns:1fr;gap:0}}
.choice{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:10px}
@media (max-width:560px){.choice{grid-template-columns:1fr}}
.choice label{display:flex;align-items:center;gap:12px;min-height:56px;padding:12px 16px;border:1px solid #cdd5e2;border-radius:var(--r-sm);background:#fff;font-weight:500;font-size:1rem;color:var(--navy);cursor:pointer;transition:border-color .15s,background .15s;touch-action:manipulation}
.choice label:hover{border-color:#9fb6f0}
.choice input{-webkit-appearance:none;appearance:none;width:20px;height:20px;border-radius:50%;border:2px solid #b4bfd1;background:#fff;flex:none;margin:0;display:grid;place-items:center}
.choice input:checked{border-color:var(--blue)}
.choice input:checked::after{content:"";width:10px;height:10px;border-radius:50%;background:var(--blue)}
.choice label:has(input:checked){border-color:var(--blue);background:var(--blue-tint);box-shadow:0 0 0 1px var(--blue) inset}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.78rem;line-height:1.55;color:var(--muted);background:var(--alt);border:1px solid var(--line);border-radius:var(--r-sm);padding:14px;margin:10px 0 22px}
.consent input{-webkit-appearance:none;appearance:none;margin:1px 0 0;width:22px;height:22px;flex:none;border-radius:5px;border:2px solid #b4bfd1;background:#fff;display:grid;place-items:center;cursor:pointer}
.consent input:checked{background:var(--blue);border-color:var(--blue)}
.consent input:checked::after{content:"";width:11px;height:6px;border-left:2.5px solid #fff;border-bottom:2.5px solid #fff;transform:rotate(-45deg) translate(1px,-1px)}
.form-nav{display:flex;justify-content:space-between;gap:12px;margin-top:14px}
.form-nav .btn{min-width:150px}
.form-nav [data-back]{background:#fff;color:var(--navy);border-color:#cdd5e2}
@media (max-width:560px){.form-nav .btn{flex:1;min-width:0}}
.hp{position:absolute!important;left:-9999px!important;height:0;overflow:hidden}
.err{background:var(--red-soft);color:var(--red);border:1px solid #f3c2cc;border-radius:var(--r-sm);padding:13px 15px;margin-bottom:20px;font-weight:600}
.js .step{display:none}.js .step.on{display:block}
.form-secure{display:flex;justify-content:center;gap:8px;align-items:center;font-size:.84rem;color:var(--muted);margin-top:16px}
.form-secure svg{width:16px;height:16px;color:var(--green)}

/* ---------- calculator page ---------- */
.calc{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff;box-shadow:var(--sh);margin:1.8em 0}
.calc>div{padding:28px}
.calc>div:last-child{background:var(--navy);color:#fff}
.calc>div:last-child>p.muted:first-child{color:#aebbd4!important;font-size:.85rem;font-weight:600;margin:0}
.calc .row{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid rgba(255,255,255,.12);padding:10px 0;font-size:.93rem;color:#c6cfdf}
.calc .row output{color:#fff;font-weight:600}
.calc>div:last-child>p.muted:last-child{color:#aebbd4!important;font-size:.8rem}
.calc output{display:block;font-variant-numeric:tabular-nums}
.big-num{font-size:clamp(3rem,7vw,4.2rem)!important;font-weight:750;letter-spacing:-.04em;line-height:1;color:#fff;margin:.15em 0 .3em}
@media (max-width:760px){.calc{grid-template-columns:1fr}.calc>div{padding:22px 18px}}

/* ---------- footer ---------- */
.site-foot{background:var(--navy);color:#c3cbdb;padding:60px 0 calc(30px + var(--safe-b))}
.foot-cta{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:20px;padding-bottom:36px;margin-bottom:36px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-big{font-size:clamp(1.5rem,3vw,2rem);font-weight:700;letter-spacing:-.02em;line-height:1.2;color:#fff;margin:0}
.foot-big span{color:#8fb0ff}
.site-foot a{color:#dbe2ef;display:block;padding:6px 0;font-size:.95rem;font-weight:400}
.site-foot a:hover{color:#fff}
.site-foot .foot-cta .btn{display:inline-flex;background:#fff;color:var(--blue)}
.logo-foot{color:#fff}
.logo-foot .lg-word span{color:#aebbd4}
.site-foot .muted{color:#aebbd4;max-width:24em}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr 1fr;gap:28px}.foot-grid>div:first-child{grid-column:1/-1}.foot-cta .btn{width:100%}}
.foot-h{font-size:.8rem;font-weight:650;text-transform:uppercase;letter-spacing:.07em;color:#fff;margin:0 0 12px}
.disclose{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:22px;font-size:.8rem;line-height:1.7;color:#aebbd4}
.disclose p{margin:0 0 8px}

/* ---------- mobile sticky CTA ---------- */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px 14px calc(10px + var(--safe-b));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 20px -10px rgba(11,31,58,.25);transform:translateY(110%);transition:transform .25s}
.mcta .btn{width:100%}
.mcta.show{transform:none}
@media (min-width:900px){.mcta{display:none!important}}
@media (max-width:899px){body:has(.mcta.show) .site-foot{padding-bottom:calc(100px + var(--safe-b))}}

@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
@media print{.site-head,.mcta,.cta-band,.aside,.foot-cta{display:none!important}}