:root{--navy:#0b1d2e;--navy2:#13324f;--gold:#e0b04a;--gold2:#b8862a;--ink:#1d2733;--bg:#f5f2ea;--muted:#56606b;--ok:#1f7a4d;--warn:#9a5b00;--bad:#a12a2a;--radius:10px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
img{max-width:100%;height:auto}a{color:#0d4f8b}a:hover{color:var(--gold2)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:8px 14px;z-index:99;font-weight:700}.skip:focus{left:8px}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}
.top{background:var(--navy);position:sticky;top:0;z-index:20;box-shadow:0 2px 8px rgba(0,0,0,.25)}
.bar{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;padding:12px 20px;max-width:1100px;margin:0 auto}
.logo{color:#fff;font-weight:800;font-size:1.25rem;text-decoration:none;display:flex;align-items:center;gap:8px}.logo span{color:var(--gold)}
.navtoggle{display:none;background:none;border:2px solid var(--gold);color:#fff;border-radius:6px;padding:6px 10px;font-size:1rem;cursor:pointer}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 16px}
nav a{color:#d6dee8;text-decoration:none;padding:4px 2px}nav a[aria-current=page],nav a:hover{color:var(--gold)}
nav a.cta{background:var(--gold);color:var(--navy);padding:5px 12px;border-radius:6px;font-weight:700}nav a.cta:hover{color:var(--navy);background:#f0c869}
@media(max-width:820px){.navtoggle{display:block}nav{width:100%;display:none}nav.open{display:block}nav ul{flex-direction:column;padding:8px 0}}
.hero{position:relative;color:#fff;background:#08131f url(img/hero-1280.jpg) center/cover no-repeat;min-height:560px;display:flex;align-items:center}
.hero picture,.hero picture img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,16,28,.92) 0%,rgba(6,16,28,.7) 45%,rgba(6,16,28,.1) 100%)}
.hero .wrap{width:100%;position:relative;z-index:1;padding-top:60px;padding-bottom:60px}.hero .inner{max-width:560px}
.hero h1{font-size:clamp(2rem,5vw,3.1rem);line-height:1.15;margin:0 0 14px}.hero p.lead{font-size:1.15rem;color:#e6edf4}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;color:var(--gold);font-weight:700;margin:0 0 8px}.kicker.dark{color:var(--gold2)}
.pagehead{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:44px 0 36px}.pagehead h1{margin:0 0 8px;font-size:clamp(1.7rem,4vw,2.4rem)}.pagehead p{color:#d6dee8;margin:0;max-width:720px}
main section{padding:40px 0}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.card{background:#fff;border-radius:var(--radius);padding:22px;box-shadow:0 2px 10px rgba(0,0,0,.07)}.card h2,.card h3{margin-top:0;color:var(--navy)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:11px 22px;border-radius:6px;text-decoration:none;border:0;cursor:pointer;font-size:1rem;line-height:1.3}
.btn:hover{background:#f0c869;color:var(--navy)}.btn.ghost{background:transparent;color:#fff;border:2px solid var(--gold)}.btn.ghost.dark{color:var(--navy)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.muted{color:var(--muted)}.small{font-size:.9rem}
.privbanner{background:#e9f1f8;border-left:5px solid #0d4f8b;padding:12px 16px;border-radius:6px;margin:0 0 22px}
.draft{background:#fff4d6;border:2px dashed var(--warn);padding:14px 18px;border-radius:8px;margin:0 0 22px;color:#5a3a00}
.privline{background:var(--navy2);color:#e6edf4;text-align:center;padding:14px 20px;font-size:.95rem}.privline a{color:var(--gold)}
footer.site{background:var(--navy);color:#b9c5d2;padding:28px 0;font-size:.92rem}footer.site a{color:#d6dee8}
footer.site .cols{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}footer.site ul{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px 16px}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding-left:44px;margin-bottom:14px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center}
.chips{display:flex;flex-wrap:wrap;gap:8px;padding:0;list-style:none}.chip{background:#fff;border:1px solid #d8d2c2;border-radius:999px;padding:5px 12px;font-size:.92rem}
.chip.live{background:var(--ok);color:#fff;border-color:var(--ok);font-weight:700}.chip.soon{color:var(--muted)}
.price{font-size:2.4rem;font-weight:800;margin:4px 0;color:var(--navy)}.price small{font-size:1rem;color:var(--muted);font-weight:400}
.feat{outline:3px solid var(--gold)}.plan ul{padding-left:20px}.plan .btn{margin-top:8px}
.tree{background:var(--navy);color:#e8eef5;padding:16px;border-radius:8px;overflow:auto;font-size:.9rem}
/* forms */
.form label,.card label{display:block;font-weight:600;margin:0 0 14px;font-size:.95rem}
input,select,textarea{display:block;width:100%;margin-top:5px;padding:10px 12px;border:1px solid #b9b3a3;border-radius:6px;font:inherit;background:#fff;color:var(--ink)}
input[type=checkbox]{display:inline-block;width:auto;margin:0 8px 0 0;transform:scale(1.2)}
.check{display:flex!important;align-items:flex-start;font-weight:400!important}
.err{color:var(--bad);font-weight:600;font-size:.88rem;display:block;min-height:1em;margin-top:3px}
input[aria-invalid=true]{border-color:var(--bad);background:#fff6f6}
.notice{padding:14px 18px;border-radius:8px;background:#e7f5ec;border-left:5px solid var(--ok)}
.row2,.row3{display:grid;gap:0 16px}.row2{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.row3{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
/* carriers page (legacy classes) */
.vaultnote{display:flex;gap:12px;background:#eef4ea;border:1px solid #c6dcbc;border-radius:8px;padding:14px;margin:16px 0}.vaultnote .ic{font-size:1.5rem}
.carrier{margin-bottom:16px}.carhead{display:flex;justify-content:space-between;align-items:center}.rm{background:none;border:1px solid var(--bad);color:var(--bad);border-radius:6px;padding:4px 10px;cursor:pointer}
.terms summary{cursor:pointer;font-weight:700;color:var(--navy);margin:10px 0}.panel{background:#faf8f2;border-radius:8px;padding:14px}.sub{font-weight:700;margin:6px 0}
.calc{margin-top:24px}.results{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin:12px 0}.results div{background:var(--navy);color:#fff;border-radius:8px;padding:12px}.results span{display:block;font-size:.85rem;color:#c9d4df}.results strong{font-size:1.4rem;color:var(--gold)}
.formula,.example{background:#faf8f2;border-radius:8px;padding:12px;margin:10px 0;font-size:.92rem}.nextstep{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
/* dashboard */
.sample{display:inline-block;background:var(--bad);color:#fff;font-weight:800;padding:3px 10px;border-radius:4px;letter-spacing:.08em;font-size:.8rem}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px}.stat{background:#fff;border-radius:var(--radius);padding:16px;box-shadow:0 2px 8px rgba(0,0,0,.06);border-top:4px solid var(--gold)}
.stat b{display:block;font-size:1.9rem;color:var(--navy)}.stat span{color:var(--muted);font-size:.9rem}
.dash{display:grid;grid-template-columns:2fr 1fr;gap:18px;margin-top:18px}@media(max-width:900px){.dash{grid-template-columns:1fr}}
table{width:100%;border-collapse:collapse;font-size:.92rem}th,td{text-align:left;padding:8px 6px;border-bottom:1px solid #e6e1d4}th{color:var(--muted);font-weight:600;font-size:.82rem;text-transform:uppercase}
.tablewrap{overflow-x:auto}.tag{font-size:.78rem;padding:2px 8px;border-radius:999px;font-weight:700;white-space:nowrap}.t-bad{background:#f8e1e1;color:var(--bad)}.t-warn{background:#fdf0d5;color:var(--warn)}.t-ok{background:#e1f2e8;color:var(--ok)}
.legal h2{color:var(--navy);margin-top:28px}.legal{background:#fff;padding:28px;border-radius:var(--radius)}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.top,.privline,footer.site{display:none}}

.tiers .plan{position:relative}.tierimg{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:8px;margin-bottom:10px}.badge{position:absolute;top:10px;right:10px;margin:0;background:var(--gold);color:var(--navy);font-weight:700;font-size:.8rem;padding:3px 10px;border-radius:999px;z-index:1}

.logo img{width:40px;height:40px;display:block;border-radius:8px}

.card.has-img{padding-top:0;overflow:hidden}.card-img{display:block;width:calc(100% + 2*22px);max-width:none;margin:0 calc(-1*22px) 14px;aspect-ratio:4/3;object-fit:cover;border-bottom:1px solid rgba(224,176,74,.35)}
.wide-img{display:block;width:100%;height:auto;border-radius:12px;margin:0 0 20px;box-shadow:0 10px 30px rgba(0,0,0,.35)}