:root{
  --ink:#0a0e1a;
  --ink-2:#172033;
  --muted:#5d687a;
  --line:#dfe5e2;
  --paper:#f7f9f6;
  --white:#fff;
  --green:#20d96b;
  --green-dark:#087d43;
  --green-soft:#e7fbef;
  --navy-soft:#eef2f6;
  --radius:22px;
  --shadow:0 18px 55px rgba(10,14,26,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font-family:Inter,"Work Sans",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit}
img,svg{display:block;max-width:100%}
button,input{font:inherit}
.skip-link{position:fixed;z-index:1000;left:18px;top:12px;transform:translateY(-150%);background:var(--ink);color:#fff;padding:11px 15px;border-radius:999px;font-weight:800;text-decoration:none}
.skip-link:focus{transform:none}
.container{width:min(1180px,calc(100% - 44px));margin-inline:auto}
.site-header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(10,14,26,.08);backdrop-filter:saturate(120%) blur(12px)}
.header-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand img{height:30px;width:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav a,.nav-cta{display:inline-flex;align-items:center;justify-content:center;min-height:44px;padding:0 14px;border-radius:999px;text-decoration:none;font-size:14px;font-weight:780}
.nav a:hover,.nav a:focus-visible{background:var(--paper);outline:none}
.nav-cta{background:var(--ink);color:#fff!important;padding-inline:18px!important}
main{overflow:hidden}
.section{padding:96px 0}
.section-soft{background:var(--paper)}
.section-dark{background:var(--ink);color:#fff}
.eyebrow{display:block;margin:0 0 14px;color:var(--green-dark);font-size:12px;font-weight:900;letter-spacing:.16em;text-transform:uppercase}
.section-dark .eyebrow{color:var(--green)}
h1,h2,h3{margin:0;font-family:"Work Sans",Inter,sans-serif;letter-spacing:-.045em;color:inherit}
h1{font-size:clamp(46px,7vw,82px);line-height:.98;max-width:920px}
h2{font-size:clamp(34px,5vw,54px);line-height:1.02;max-width:850px}
h3{font-size:22px;line-height:1.15;letter-spacing:-.025em}
.lede{max-width:760px;margin:22px 0 0;color:var(--muted);font-size:clamp(18px,2vw,22px);line-height:1.55;font-weight:540}
.section-dark .lede,.section-dark .copy{color:#c9d2df}
.copy{margin:16px 0 0;color:var(--muted);font-size:17px;line-height:1.65;max-width:760px}
.hero{padding:92px 0 104px;background:linear-gradient(180deg,#fff 0%,#f7f9f6 100%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(340px,.85fr);gap:clamp(42px,7vw,92px);align-items:center}
.hero .actions{margin-top:30px}
.actions{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:14px 21px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--ink);text-decoration:none;font-weight:850}
.btn-primary{background:var(--green);border-color:var(--green);color:#062b1a}
.btn-dark{background:var(--ink);border-color:var(--ink);color:#fff}
.btn:focus-visible{outline:3px solid rgba(32,217,107,.35);outline-offset:3px}
.disclosure{margin:18px 0 0;color:#697488;font-size:14px;line-height:1.55;max-width:680px}
.term-card{background:#fff;border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow);padding:28px}
.term-card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.term-card-label{display:block;color:#718096;font-size:11px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}
.term-card-amount{display:block;margin-top:8px;font-size:48px;font-weight:900;letter-spacing:-.06em}
.term-chip{background:var(--green-soft);color:#075a32;border-radius:999px;padding:9px 12px;font-size:13px;font-weight:850;white-space:nowrap}
.term-list{margin:12px 0 0}
.term-row{display:flex;justify-content:space-between;gap:18px;padding:15px 0;border-bottom:1px solid var(--line);color:var(--muted);font-size:15px}
.term-row:last-child{border:0}
.term-row strong{color:var(--ink)}
.term-note{margin-top:16px;padding:14px 16px;border-radius:16px;background:var(--green-soft);color:#075a32;font-size:14px;line-height:1.5;font-weight:760}
.fact-grid,.card-grid,.step-grid,.provider-grid{display:grid;gap:16px;margin-top:38px}
.fact-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
.card-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.step-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
.provider-grid{grid-template-columns:repeat(5,minmax(0,1fr))}
.card,.fact,.step,.provider{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:24px}
.section-dark .card{background:var(--ink-2);border-color:#2b3446}
.fact strong{display:block;font-size:24px;letter-spacing:-.035em}
.fact span,.card p,.step p,.provider p{display:block;margin:10px 0 0;color:var(--muted);font-size:15px;line-height:1.55}
.section-dark .card p{color:#b8c2d0}
.step-number{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--green-soft);color:#087d43;font-size:13px;font-weight:900;margin-bottom:28px}
.provider h3{font-size:17px;letter-spacing:-.02em}
.split{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(42px,7vw,90px);align-items:start}
.status-list{display:grid;gap:12px}
.status-item{display:grid;grid-template-columns:130px 1fr;gap:18px;padding:20px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.status-item:last-child{border:0}
.status-item strong{font-size:15px;color:#fff}.status-item span{color:#c9d2df;line-height:1.55}
.callout{border:1px solid #2c374a;border-radius:28px;background:var(--ink-2);padding:clamp(28px,5vw,54px);display:flex;align-items:center;justify-content:space-between;gap:34px}
.callout h2{font-size:clamp(32px,4.5vw,48px)}
.callout .copy{max-width:700px}
.callout .actions{flex:0 0 auto}
.anchor-offset{scroll-margin-top:92px}
.page-hero{padding:82px 0 86px;background:var(--paper);border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(44px,6vw,72px)}
.section-heading{display:flex;align-items:end;justify-content:space-between;gap:40px}
.section-heading .copy{max-width:520px;margin:0}
.faq-group{padding:32px 0;border-top:1px solid var(--line)}
.faq-group:first-of-type{margin-top:42px}
.faq-group h2{font-size:30px;margin-bottom:14px}
details{border-top:1px solid var(--line)}
details:last-child{border-bottom:1px solid var(--line)}
summary{list-style:none;cursor:pointer;padding:20px 46px 20px 0;font-weight:800;position:relative;line-height:1.4}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:17px;font-size:26px;font-weight:500;color:var(--green-dark)}
details[open] summary::after{content:"−"}
details p{margin:0;padding:0 48px 22px 0;color:var(--muted);font-size:16px;line-height:1.65;max-width:920px}
.risk-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:34px}
.risk-item{border:1px solid #303a4c;border-radius:18px;padding:22px;background:#111828}
.risk-item strong{display:block;color:#fff}.risk-item span{display:block;margin-top:8px;color:#c3cbd6;line-height:1.55}
.market-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:28px}
.market-fact{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff}
.market-fact strong{display:block;font-size:25px}.market-fact span{display:block;color:var(--muted);margin-top:7px;line-height:1.45}
.notice{margin-top:24px;border-left:4px solid var(--green);padding:18px 20px;background:var(--green-soft);color:#075a32;line-height:1.6}
.site-footer{background:#070a12;color:#d2d8e2;padding:58px 0 34px}
.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr .8fr;gap:44px}
.footer-brand img{height:30px;filter:none}.footer-brand p{max-width:420px;color:#9ca7b8;line-height:1.6}
.footer-links{display:grid;gap:10px}.footer-links strong{color:#fff;margin-bottom:5px}.footer-links a{color:#b5bfcd;text-decoration:none;font-size:14px}.footer-links a:hover{text-decoration:underline}
.footer-bottom{border-top:1px solid #283044;margin-top:42px;padding-top:22px;color:#8490a2;font-size:13px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
@media(max-width:960px){
  .hero-grid,.split{grid-template-columns:1fr}.term-card{max-width:620px}.fact-grid,.step-grid{grid-template-columns:repeat(2,1fr)}.provider-grid{grid-template-columns:repeat(3,1fr)}.card-grid{grid-template-columns:repeat(2,1fr)}.callout{display:block}.callout .actions{margin-top:24px}.footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  .container{width:min(100% - 32px,1180px)}.site-header{position:relative}.header-inner{min-height:68px}.nav>a:not(.nav-cta){display:none}.nav-cta{font-size:13px;padding-inline:14px!important}.hero,.section{padding:72px 0}.page-hero{padding:64px 0}h1{font-size:44px}.lede{font-size:18px}.term-card{padding:20px;border-radius:24px}.term-card-amount{font-size:40px}.fact-grid,.card-grid,.step-grid,.provider-grid,.risk-list,.market-facts{grid-template-columns:1fr}.section-heading{display:block}.section-heading .copy{margin-top:14px}.status-item{grid-template-columns:1fr;gap:6px}.callout{padding:26px;border-radius:22px}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block}.footer-bottom span{display:block;margin-top:8px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}