:root{
  --ink:#0f1f33;--ink2:#334155;--muted:#5b6b7f;--line:#e2e8f0;--bg:#f5f7fa;--card:#fff;
  --brand:#0a7a55;--brand-dk:#06603f;--brand-bg:#e9f6f0;--err:#c62828;--field:#cfd8e3;
  --r:14px;--sh:0 1px 2px rgba(15,31,51,.06),0 8px 24px rgba(15,31,51,.08);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:var(--brand-dk)}
img,svg{max-width:100%}
[hidden]{display:none!important}
.wrap{max-width:1080px;margin:0 auto;padding-inline:20px}

/* top bar */
.topbar{background:#fff;border-bottom:1px solid var(--line)}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;height:60px}
.logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo svg{width:28px;height:28px}
.secure{font-size:13px;color:var(--muted);display:flex;gap:6px;align-items:center}
.secure svg{width:15px;height:15px;color:var(--brand)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--brand);color:#fff;border:0;border-radius:12px;padding:16px 26px;font-family:inherit;font-weight:700;font-size:17px;line-height:1.2;cursor:pointer;text-decoration:none;box-shadow:0 2px 0 var(--brand-dk);transition:background .15s}
.btn:hover{background:var(--brand-dk)}
.btn:focus-visible,.tile:focus-visible,.choices button:focus-visible{outline:3px solid rgba(10,122,85,.35);outline-offset:2px}
.btn-block{width:100%}
.btn-sm{padding:9px 16px;font-size:14px;border-radius:10px}
.btn-ghost{background:none;border:0;color:var(--muted);font-family:inherit;font-weight:600;font-size:15px;cursor:pointer;padding:14px 8px}
.btn-ghost:hover{color:var(--ink)}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--bg) 100%);padding:44px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.kicker{font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brand-dk)}
h1{font-size:clamp(29px,4.4vw,44px);line-height:1.12;margin:10px 0 14px;letter-spacing:-.02em}
.lede{font-size:18px;color:var(--ink2);margin:0 0 20px;max-width:34em}
.facts{display:flex;flex-wrap:wrap;gap:8px 20px;padding:0;margin:0;list-style:none;font-size:14.5px;color:var(--ink2)}
.facts li::before{content:"✓";color:var(--brand);font-weight:800;margin-right:6px}
.amt-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px 24px;box-shadow:var(--sh)}
.amt-card .q{display:block;font-weight:700;margin-bottom:2px}
.amt-val{font-size:44px;font-weight:800;letter-spacing:-.02em;line-height:1.1;margin:4px 0 4px;font-variant-numeric:tabular-nums}
.range-scale{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin:-2px 0 18px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:8px;background:linear-gradient(to right,var(--brand) var(--p,37.5%),#dfe6ee var(--p,37.5%));outline:none;margin:16px 0 12px;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:30px;height:30px;border-radius:50%;background:#fff;border:3px solid var(--brand);box-shadow:0 2px 6px rgba(0,0,0,.2)}
input[type=range]::-moz-range-thumb{width:25px;height:25px;border-radius:50%;background:#fff;border:3px solid var(--brand);box-shadow:0 2px 6px rgba(0,0,0,.2)}
.fine{font-size:13px;color:var(--muted);text-align:center;margin:10px 0 0}
.fine.left{text-align:left}

/* trust bar */
.trust{background:#fff;border-block:1px solid var(--line)}
.trust ul{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;list-style:none;margin:0;padding:18px 0}
.trust li{display:flex;gap:10px;align-items:center;font-size:14.5px;font-weight:600;color:var(--ink2)}
.trust svg{flex:0 0 22px;width:22px;height:22px;color:var(--brand)}

/* sections */
section.block{padding:60px 0}
h2{font-size:clamp(24px,3vw,32px);line-height:1.2;letter-spacing:-.015em;margin:0 0 10px}
.sub{color:var(--muted);margin:0 0 28px;max-width:44em}
h3{font-size:18px;margin:0 0 6px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.card p{margin:0;color:var(--ink2);font-size:15px}
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s}
.steps3 h3::before{counter-increment:s;content:counter(s);display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--brand-bg);color:var(--brand-dk);font-size:15px;margin-right:10px;vertical-align:middle}
.rates{background:#fff;border-block:1px solid var(--line)}
.disclosure{background:var(--brand-bg);border-left:4px solid var(--brand);border-radius:0 12px 12px 0;padding:16px 20px;font-size:15px;color:var(--ink2);margin:0 0 20px}
.disclosure p{margin:0 0 8px}.disclosure p:last-child{margin:0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff;margin:16px 0}
table{width:100%;border-collapse:collapse;font-size:14.5px}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:#f1f5f9;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;color:var(--ink2)}
tr:last-child td{border-bottom:0}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.tile{display:flex;gap:12px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;font-family:inherit;font-weight:600;font-size:16px;color:var(--ink);cursor:pointer;text-align:left;transition:border-color .15s,box-shadow .15s}
.tile:hover{border-color:var(--brand);box-shadow:var(--sh)}
.tile .ic{font-size:24px;line-height:1}
.expect{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--brand);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:0 0 16px;color:var(--ink2)}
.cta-band{background:var(--ink);color:#fff;text-align:center;padding:52px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#c7d2e0;margin:0 0 22px}

/* footer */
.footer{background:#0b1726;color:#a9b6c7;font-size:13.5px;padding:40px 0 96px}
.footer a{color:#dbe4ee}
.footer-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:22px}
.footer .disc{line-height:1.6;margin:0 0 12px}
.footer .addr{color:#dbe4ee;margin:18px 0 6px}
.footer .copy{margin:0}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);display:none;z-index:20}

/* legal / info pages */
.legal{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin:32px auto;padding:34px 38px;max-width:860px}
.legal h1{font-size:32px}
.legal h2{font-size:21px;margin-top:30px}
.legal p,.legal li{color:var(--ink2)}
.legal .updated{color:var(--muted);font-size:14px;margin-top:-6px}
.legal .note{background:var(--brand-bg);border-left:4px solid var(--brand);border-radius:0 10px 10px 0;padding:14px 18px;margin:18px 0}
.legal .note>:first-child{margin-top:0}.legal .note>:last-child{margin-bottom:0}
.legal .cta{margin-top:28px}

/* application */
body.in-app .topbar .btn-sm{display:none}
.apply{padding:22px 0 64px}
.apply .wrap,.state-screen .wrap{max-width:620px}
.app-top{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.progress{flex:1;height:8px;background:#dfe6ee;border-radius:8px;overflow:hidden}
.progress .bar{height:100%;background:var(--brand);width:14%;transition:width .3s}
.step-label{font-size:13px;color:var(--muted);white-space:nowrap}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px 26px;box-shadow:var(--sh)}
.step h2{font-size:24px;margin-bottom:6px}
.step .sub{margin-bottom:22px;font-size:15px}
fieldset{border:0;margin:0;padding:0;min-width:0}
.field{margin-bottom:18px}
.field>label,.field .lbl{display:block;font-weight:600;font-size:15px;margin-bottom:7px}
.opt{font-weight:400;color:var(--muted)}
.field input:not([type=range]):not([type=checkbox]),.field select{width:100%;height:52px;border:1.5px solid var(--field);border-radius:11px;padding:0 14px;font-family:inherit;font-size:16px;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.field input:focus,.field select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(10,122,85,.15)}
.field.bad input,.field.bad select{border-color:var(--err)}
.err{color:var(--err);font-size:13.5px;margin-top:6px}
.err:empty{display:none}
.hint{font-size:13.5px;color:var(--muted);margin-top:6px}
.hint:empty{display:none}
.hint.ok{color:var(--brand-dk);font-weight:600}
.hint.ok::before{content:"✓ "}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}
.choices{display:grid;grid-template-columns:repeat(auto-fit,minmax(135px,1fr));gap:10px}
.choices button{min-height:52px;border:1.5px solid var(--field);background:#fff;border-radius:11px;font-family:inherit;font-weight:600;font-size:15px;color:var(--ink);cursor:pointer;padding:10px 12px;text-align:center;line-height:1.25;transition:border-color .15s,background .15s}
.choices button:hover{border-color:var(--brand)}
.choices button small{display:block;font-weight:500;color:var(--muted);font-size:12.5px}
.choices button.on{border-color:var(--brand);background:var(--brand-bg);color:var(--brand-dk);box-shadow:inset 0 0 0 1px var(--brand)}
.field.bad .choices button:not(.on){border-color:#e8a1a1}
.step .amt-val{font-size:34px;color:var(--brand-dk)}
.secure-note{display:flex;gap:10px;align-items:flex-start;background:var(--brand-bg);border-radius:11px;padding:12px 14px;font-size:14px;color:var(--ink2);margin-bottom:20px}
.secure-note svg{flex:0 0 18px;width:18px;height:18px;color:var(--brand);margin-top:2px}
.pw{position:relative}
.pw input{padding-right:78px!important}
.pw .eye{position:absolute;right:6px;top:6px;height:40px;padding:0 12px;border:0;background:#f1f5f9;border-radius:8px;font-family:inherit;font-weight:600;font-size:13px;color:var(--ink2);cursor:pointer}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:12.5px;line-height:1.55;color:var(--ink2);background:#f8fafc;border:1.5px solid var(--line);border-radius:11px;padding:14px;cursor:pointer;font-weight:400!important}
.field.bad .consent{border-color:var(--err)}
.consent input{width:22px;height:22px;flex:0 0 22px;margin:1px 0 0;accent-color:var(--brand)}
.form-nav{display:flex;align-items:center;gap:12px;margin-top:26px}
.form-nav .btn{flex:1;max-width:340px;margin-left:auto}
.form-msg{color:var(--err);font-size:14px;margin-top:14px;text-align:center}
.form-msg:empty{display:none}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.state-screen{padding:56px 0 80px;text-align:center}
.state-screen .panel{padding:40px 28px}
.state-screen h2{font-size:26px}
.state-screen p{color:var(--ink2)}
.state-screen ul{text-align:left;color:var(--ink2);margin:18px auto 0;max-width:30em}
.spinner{width:56px;height:56px;border:5px solid #dfe6ee;border-top-color:var(--brand);border-radius:50%;animation:spin 1s linear infinite;margin:0 auto 22px}
@keyframes spin{to{transform:rotate(360deg)}}

@media (max-width:860px){
  .hero{padding:26px 0 30px}
  .hero-grid{grid-template-columns:1fr;gap:22px}
  .trust ul{grid-template-columns:1fr 1fr}
  .steps3,.expect{grid-template-columns:1fr}
  .tiles{grid-template-columns:1fr 1fr}
  .sticky-cta{display:block}
  body.in-app .sticky-cta{display:none}
  .legal{padding:24px 20px;margin:16px auto}
  section.block{padding:44px 0}
  .secure{display:none}
}
@media (max-width:480px){
  .wrap{padding-inline:16px}
  .row2{grid-template-columns:1fr}
  .tiles{grid-template-columns:1fr}
  .panel{padding:22px 16px}
  .amt-val{font-size:38px}
  .lede{font-size:16.5px}
}