:root{--navy:#0a1f44;--blue:#1d4ed8;--sky:#60a5fa;--ink:#16213a;--mut:#51607d;--bg:#fff;--alt:#f3f7fe;--line:#dbe5f6;
--serif:"Iowan Old Style","Palatino Linotype",Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;font:1rem/1.65 var(--sans);color:var(--ink);background:var(--bg);overflow-x:clip}
img,svg{max-width:100%}
a{color:var(--blue)}
:focus-visible{outline:3px solid #f59e0b;outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.6rem 1rem;z-index:100}
.skip:focus{left:8px;top:8px}
.wrap{width:min(1120px,100% - 2.5rem);margin-inline:auto}
.narrow{max-width:760px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .6em}
h1{font-size:clamp(2.1rem,5.5vw,3.9rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3.6vw,2.4rem)}
h3{font-size:1.2rem}
.sec{padding:clamp(3.5rem,8vw,6.5rem) 0}
.alt{background:var(--alt)}
.sub{color:var(--mut);max-width:60ch;margin:-.2rem 0 2rem}
.note{color:var(--mut);font-size:.9rem;margin-top:1.5rem}

/* nav */
.nav{position:fixed;inset:0 0 auto;z-index:50;transition:background .3s,box-shadow .3s}
.nav.on{background:rgba(255,255,255,.88);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);box-shadow:0 1px 0 var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;min-height:68px}
.brand{font:700 1.1rem var(--serif);color:var(--navy);text-decoration:none;letter-spacing:.02em}
.brand span{color:var(--blue)}
.menu{display:flex;align-items:center;gap:1.4rem}
.menu a:not(.btn){color:var(--ink);text-decoration:none;font-size:.95rem}
.menu a:not(.btn):hover{color:var(--blue)}
.burger{display:none;width:44px;height:44px;border:0;background:none;cursor:pointer}
.burger span,.burger span::before{display:block;width:22px;height:2px;background:var(--navy);margin:auto;position:relative;transition:transform .25s}
.burger span::before{content:"";position:absolute;top:7px;left:0}

/* buttons */
.btn{display:inline-block;padding:.85rem 1.7rem;min-height:44px;border-radius:999px;background:linear-gradient(135deg,#2563eb,var(--navy));color:#fff;text-decoration:none;font-weight:600;border:1px solid transparent;box-shadow:0 10px 24px -10px rgba(29,78,216,.7);transition:transform .2s,box-shadow .2s;will-change:transform}
.btn:hover{box-shadow:0 16px 30px -10px rgba(29,78,216,.8)}
.btn-sm{padding:.55rem 1.2rem;font-size:.92rem}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line);box-shadow:none}
.btn-light{background:#fff;color:var(--navy);box-shadow:none}
.actions{display:flex;flex-wrap:wrap;gap:.9rem;margin-top:1.8rem}

/* hero */
.hero{padding:clamp(7rem,14vw,10rem) 0 clamp(3rem,7vw,5rem);background:radial-gradient(900px 500px at 85% 0,#dbeafe,transparent 70%),linear-gradient(180deg,#f3f7fe,#fff)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(1.5rem,5vw,4rem);align-items:center}
.lead{font-size:1.15rem;color:var(--mut);max-width:48ch}
.glass{background:linear-gradient(145deg,rgba(255,255,255,.85),rgba(219,234,254,.55));border:1px solid rgba(255,255,255,.9);box-shadow:0 30px 60px -30px rgba(10,31,68,.35),inset 0 1px 0 #fff;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px)}
.chart{margin:0;padding:1.2rem;border-radius:24px}
.chart svg{width:100%;height:auto;display:block}
.chart figcaption{font-size:.8rem;color:var(--mut);margin-top:.6rem}
.grid-l path{stroke:#cfe0fa;stroke-width:1;fill:none}
.line{stroke-dasharray:1;stroke-dashoffset:1;animation:draw 2.4s .4s ease forwards}
.area{opacity:0;animation:fade 1s 2s forwards}
.dots circle{fill:#fff;stroke:var(--blue);stroke-width:3;transition:r .2s;cursor:pointer}
.dots circle:hover{r:9}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes fade{to{opacity:1}}

/* layout blocks */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.5rem,5vw,4rem);align-items:start}
.plain{list-style:none;margin:0;padding:0;display:grid;gap:1rem}
.plain li{padding-left:1rem;border-left:3px solid var(--sky)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:1.3rem}
.cards.two{grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr))}
.card{padding:1.6rem;border-radius:18px;background:#fff;border:1px solid var(--line);transition:transform .25s,box-shadow .25s;transform-style:preserve-3d}
.card.glass{border-color:#fff}
.card:hover{box-shadow:0 22px 40px -22px rgba(29,78,216,.45)}
.card p{margin:0;color:var(--mut)}
.pkg .btn{margin-top:1rem}
.ic{width:34px;height:34px;fill:none;stroke:var(--blue);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;margin-bottom:.8rem}
.tag{display:inline-block;font-size:.8rem;font-weight:600;color:var(--blue);background:#e8f0ff;padding:.2rem .7rem;border-radius:999px;margin-bottom:.8rem!important}

/* steps */
.steps{list-style:none;counter-reset:s;margin:2rem 0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,190px),1fr));gap:1.2rem;position:relative}
.steps li{counter-increment:s;position:relative;padding-top:3.2rem}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:2.4rem;height:2.4rem;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,#3b82f6,var(--navy));color:#fff;font-weight:700}
.steps li::after{content:"";position:absolute;top:1.2rem;left:3rem;right:-1rem;height:2px;background:linear-gradient(90deg,var(--sky),transparent)}
.steps li:last-child::after{display:none}
.steps p{margin:0;color:var(--mut)}
.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:.6rem;padding:1rem;border-radius:20px;text-align:center;font:600 1.05rem var(--serif);color:var(--navy)}
.journey span{padding:1rem .5rem;border-radius:14px;background:#fff;box-shadow:0 10px 24px -14px rgba(10,31,68,.4);transform:translateY(calc(var(--i,0) * 0px))}
.journey span:nth-child(2){transform:translateY(-6px)}
.journey span:nth-child(3){transform:translateY(-12px)}
.journey span:nth-child(4){transform:translateY(-18px)}

/* faq / risk / cta / footer */
details{border-bottom:1px solid var(--line);padding:1rem 0}
summary{cursor:pointer;font-weight:600;color:var(--navy);min-height:44px;display:flex;align-items:center}
details p{margin:.4rem 0 0;color:var(--mut)}
.risk{background:var(--navy);color:#cfdcf5}
.risk h2{color:#fff}
.risk a{color:#93c5fd;margin-right:1rem}
.cta{padding:clamp(3.5rem,8vw,6rem) 0;text-align:center;color:#fff;background:linear-gradient(135deg,#1d4ed8,#0a1f44)}
.cta h2{color:#fff}
.cta p{max-width:50ch;margin:0 auto 1.6rem;color:#dbeafe}
.foot{background:#06142e;color:#9fb2d6;padding:2.5rem 0;font-size:.9rem}
.foot nav{display:flex;flex-wrap:wrap;gap:.4rem 1.4rem;margin-bottom:1rem}
.foot a{color:#cfe0ff}

/* reveal (only when JS runs) */
.js [data-reveal]{opacity:0;transform:translateY(18px);transition:opacity .7s,transform .7s}
.js [data-reveal].in{opacity:1;transform:none}

@media (max-width:860px){
 .hero-grid,.split{grid-template-columns:1fr}
 .burger{display:block}
 .menu{position:absolute;inset:68px 0 auto;flex-direction:column;align-items:stretch;gap:0;background:#fff;padding:.5rem 1.25rem 1.2rem;box-shadow:0 20px 30px -20px rgba(10,31,68,.4);display:none}
 .menu.open{display:flex}
 .menu a{padding:.8rem 0}
 .nav.menu-open{background:#fff}
 .steps li::after{display:none}
 .journey{grid-template-columns:repeat(2,1fr)}
 .journey span:nth-child(n){transform:none}
}
@media (prefers-reduced-motion:reduce){
 html{scroll-behavior:auto}
 *,*::before,*::after{animation-duration:.01ms!important;animation-delay:0s!important;transition-duration:.01ms!important}
 .line{stroke-dashoffset:0}.area{opacity:1}
 .js [data-reveal]{opacity:1;transform:none}
}

/* package facts */
.facts{margin:1rem 0 0;display:grid;gap:.5rem}
.facts div{display:flex;justify-content:space-between;gap:1rem;padding-top:.5rem;border-top:1px solid var(--line);font-size:.92rem}
.facts dt{color:var(--mut)}
.facts dd{margin:0;font-weight:600;color:var(--navy);text-align:right}

.alt-link{margin:1.2rem 0 0!important;font-size:.95rem}
.alt-link a{color:#fff}

/* ---- v2 visual system ---- */
:root{--r:14px;--ease:cubic-bezier(.2,.7,.2,1)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.brand::before{content:"";display:inline-block;width:.7em;height:.7em;margin-right:.55rem;border-radius:3px;background:linear-gradient(135deg,#60a5fa,var(--navy));transform:rotate(45deg)}
.btn{border-radius:10px}
.menu .btn{text-align:center}
.card{border-radius:var(--r)}
.hero{position:relative;background:radial-gradient(700px 420px at 90% -5%,rgba(96,165,250,.35),transparent 70%),radial-gradient(520px 320px at 0 100%,rgba(34,211,238,.12),transparent 70%),linear-gradient(180deg,#f3f7fe,#fff)}
.hero::before{content:"";position:absolute;inset:0;pointer-events:none;background-image:linear-gradient(rgba(29,78,216,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(29,78,216,.05) 1px,transparent 1px);background-size:48px 48px;-webkit-mask-image:linear-gradient(#000,transparent 85%);mask-image:linear-gradient(#000,transparent 85%)}
.hero-grid{position:relative}
.ticks{list-style:none;margin:2rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;color:var(--mut);font-size:.9rem}
.ticks li::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:#22d3ee;margin-right:.5rem}
.dash{margin:0;padding:1.4rem;border-radius:18px;animation:bob 7s ease-in-out infinite}
.dash-top{display:flex;justify-content:space-between;gap:.5rem;flex-wrap:wrap;color:var(--mut);font-size:.9rem}
.demo{font-style:normal;font-size:.75rem;font-weight:600;color:var(--blue);border:1px solid #bcd3fb;border-radius:6px;padding:.1rem .5rem;background:#fff}
.dash-val{font:600 clamp(1.8rem,4vw,2.5rem)/1.1 var(--serif);color:var(--navy);margin:.3rem 0 0}
.dash-perf{margin:.2rem 0 .6rem;color:#0f766e}
.dash-perf small{color:var(--mut)}
.dash svg{width:100%;height:auto;display:block}
.tabs{display:flex;flex-wrap:wrap;gap:.4rem;margin:.6rem 0 1rem}
.tabs button{min-width:44px;min-height:44px;border:1px solid var(--line);background:#fff;border-radius:10px;font:600 .85rem var(--sans);color:var(--navy);cursor:pointer;transition:background .2s,color .2s}
.tabs button[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.alloc{display:flex;height:10px;border-radius:6px;overflow:hidden;gap:2px}
.alloc i{display:block;background:#1d4ed8}.alloc i:nth-child(2){background:#60a5fa}.alloc i:nth-child(3){background:#bfdbfe}.alloc i:nth-child(4){background:#22d3ee}
.legend{list-style:none;margin:.6rem 0 0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:.2rem .8rem;font-size:.82rem;color:var(--mut)}
.dash figcaption{font-size:.78rem;color:var(--mut);margin-top:.8rem}
@keyframes bob{50%{translate:0 -6px}}
.trust{background:#fff;border-block:1px solid var(--line);padding:2.2rem 0}
.trust-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:1.5rem 2rem}
.trust-grid>div{border-left:2px solid var(--sky);padding-left:1rem}
.trust h3{font:600 1rem var(--sans);margin:0 0 .3rem}
.trust p{margin:0;color:var(--mut);font-size:.92rem}
.card.flat{background:transparent;border:0;border-top:1px solid var(--line);border-radius:0;padding:1.3rem 0;box-shadow:none}
.pkg:hover,.pkg:focus-within{transform:translateY(-4px);box-shadow:0 22px 44px -22px rgba(29,78,216,.5),0 0 0 1px rgba(96,165,250,.6)}
@media (hover:hover){.pkg .more{max-height:0;opacity:0;overflow:hidden;transition:max-height .4s var(--ease),opacity .4s}.pkg:hover .more,.pkg:focus-within .more{max-height:12rem;opacity:1}}
.steps li::before{content:counter(s,decimal-leading-zero);width:2.8rem;height:2.4rem;border-radius:10px}
summary{list-style:none;justify-content:space-between;gap:1rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.4rem;color:var(--blue);transition:transform .25s}
details[open] summary::after{transform:rotate(45deg)}
details[open]>p,details[open]>ul{animation:pop .35s var(--ease)}
@keyframes pop{from{opacity:0;transform:translateY(-4px)}}
.risk .narrow{border-left:4px solid #22d3ee;padding-left:clamp(1rem,3vw,2rem)}
.risk details{border:0;padding:.4rem 0}
.risk summary{display:inline-flex;padding:.5rem 1.1rem;border:1px solid #93c5fd;border-radius:10px;color:#fff}
.risk summary::after{color:#93c5fd}
.risk details p,.risk li{color:#cfdcf5}
.risk ul{padding-left:1.2rem}
.cta .actions{justify-content:center}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.6);box-shadow:none}
.foot .foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,160px),1fr));gap:1.5rem;margin-bottom:1.5rem}
.foot h3{font:600 .78rem var(--sans);letter-spacing:.08em;text-transform:uppercase;color:#fff;margin:0 0 .6rem}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:.4rem}
.foot p{margin:.4rem 0}
@media (prefers-reduced-motion:reduce){.dash{animation:none!important}}