:root{
  --blue:#0A3161; --blue-2:#13427f; --red:#B31942; --red-2:#8f1435; --white:#fff;
  --paper:#f6f8fc; --ink:#14213d; --muted:#5a6478; --line:#d8deea; --ok:#1d6b3a; --info-bg:#eef3fb; --warn-bg:#fff4f6;
  --radius:14px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --display:Georgia,"Times New Roman",serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;line-height:1.6;font-size:17px}
a{color:var(--blue-2)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-family:var(--display);color:var(--blue);line-height:1.2}
h2{font-size:clamp(28px,4vw,38px);margin:0 0 6px}
.sub{color:var(--muted);margin:0 0 26px;font-size:18px;max-width:720px}
.small{font-size:14px;color:var(--muted)}

/* Top bar */
.topbar{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.topbar-in{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-family:var(--display);font-weight:700;font-size:22px;color:var(--blue);text-decoration:none}
.logo-star{color:var(--red)}
.logo-us{color:var(--red)}
.logo.light{color:#fff}
.mainnav{display:flex;gap:18px;align-items:center}
.mainnav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
.mainnav a:hover{color:var(--red)}
.nav-cta{background:var(--red);color:#fff!important;padding:8px 14px;border-radius:99px}
.menu-btn{display:none;font:inherit;font-weight:700;background:var(--blue);color:#fff;border:0;border-radius:8px;padding:8px 14px}

/* Hero */
.hero{background:var(--blue);color:#fff;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;opacity:.12;background-image:radial-gradient(circle,#fff 1.8px,transparent 2.2px);background-size:30px 30px}
.hero-in{position:relative;padding:72px 20px 64px;max-width:900px}
.kicker{text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:13px;color:#ffd5df;margin:0}
.hero h1{color:#fff;font-size:clamp(34px,6vw,58px);margin:10px 0 16px}
.lead{font-size:clamp(18px,2.2vw,21px);opacity:.95;max-width:680px;margin:0 0 28px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap}
.hero-note{margin:22px 0 0;font-size:15px;opacity:.9}
.stripes{height:12px;background:repeating-linear-gradient(90deg,var(--red) 0 48px,#fff 48px 96px)}

/* Buttons */
.btn{display:inline-block;font:inherit;font-weight:700;text-decoration:none;border-radius:99px;padding:12px 22px;border:2px solid var(--blue);background:var(--blue);color:#fff;cursor:pointer;text-align:center}
.btn:hover{background:var(--blue-2)}
.btn.red{background:var(--red);border-color:var(--red)} .btn.red:hover{background:var(--red-2);border-color:var(--red-2)}
.btn.white{background:#fff;color:var(--blue);border-color:#fff} .btn.white:hover{background:#eef3fb}
.btn.big{padding:15px 28px;font-size:18px}
.btn[disabled]{opacity:.6;cursor:wait}

/* Sections */
.section{padding:72px 0}
.section.alt{background:var(--paper)}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.steps li{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:22px;position:relative}
.steps .num{display:inline-flex;width:40px;height:40px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;align-items:center;justify-content:center;font-size:18px}
.steps h3{font-size:20px;margin:12px 0 6px}
.steps p{margin:0;color:var(--muted);font-size:16px}
.group{font-size:20px;margin:26px 0 12px;border-bottom:3px solid var(--red);display:inline-block;padding-bottom:2px}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.tool{display:flex;flex-direction:column;background:#fff;border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);border:1.5px solid var(--line);border-top:5px solid var(--blue);transition:transform .15s,box-shadow .15s}
.tool:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(10,49,97,.12);border-top-color:var(--red)}
.tool .ico{font-size:32px}
.tool h4{font-size:19px;margin:10px 0 6px}
.tool p{margin:0 0 14px;color:var(--muted);font-size:15px;flex:1}
.tool .go{font-weight:800;color:var(--red)}
.fees{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:18px}
.fee{background:var(--paper);border-radius:var(--radius);padding:18px;text-align:center;border-bottom:4px solid var(--blue)}
.fee:nth-child(odd){border-bottom-color:var(--red)}
.fee b{display:block;font-family:var(--display);font-size:36px;color:var(--blue)}
.fee span{font-size:15px;color:var(--muted)}
.note{border-radius:12px;padding:14px 18px;margin:18px 0;font-size:16px}
.note h3{margin:0 0 6px;font-size:18px}
.note ul{margin:0;padding-left:20px}
.note.warn{background:var(--warn-bg);border-left:6px solid var(--red)}
.note.warn h3{color:var(--red-2)}
.note.info{background:var(--info-bg);border-left:6px solid var(--blue)}
.two-col{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:start}
.story-empty{background:#fff;border:2px dashed var(--red);border-radius:var(--radius);padding:24px;text-align:center}
.story-empty span{font-size:44px}

/* Forms */
.crm-form{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 6px 20px rgba(10,49,97,.07)}
.crm-form h3{margin:0 0 14px;font-size:22px}
.crm-form label{display:block;font-weight:700;font-size:15px;margin:0 0 14px}
.crm-form input:not([type=checkbox]),.crm-form select,.crm-form textarea{display:block;width:100%;margin-top:5px;font:inherit;font-size:16px;font-weight:400;padding:11px 12px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
.crm-form textarea{min-height:100px;resize:vertical}
.crm-form input:focus,.crm-form select:focus,.crm-form textarea:focus,.btn:focus-visible{outline:3px solid rgba(179,25,66,.3);outline-offset:1px;border-color:var(--blue-2)}
.crm-form .check{display:flex;gap:10px;align-items:flex-start;font-weight:500}
.crm-form .check input{margin-top:4px;width:18px;height:18px;accent-color:var(--red);flex:0 0 auto}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.form-msg{margin:10px 0 0;font-weight:600;font-size:15px}
.form-msg.err{color:var(--red-2)}
.crm-form .invalid{border-color:var(--red)!important;background:var(--warn-bg)!important}
.news{background:var(--blue);color:#fff}
.news h2{color:#fff}
.news .sub{color:#d9e3f5}
.crm-form.inline{display:flex;flex-wrap:wrap;gap:10px;background:transparent;border:0;box-shadow:none;padding:0}
.crm-form.inline input:not(.hp){flex:1 1 200px;margin:0}
.crm-form.inline .form-msg{width:100%;color:#fff}

/* Footer */
.footer{background:var(--blue);color:#e6ecf7;font-size:15px}
.footer .wrap{padding:28px 20px 36px}
.footer a{color:#fff}

/* Simple pages */
.page{max-width:780px;margin:0 auto;padding:56px 20px}
.page h1{font-size:clamp(30px,5vw,44px)}
.big-check{font-size:64px;line-height:1}

@media (max-width:900px){
  .steps,.cards,.fees{grid-template-columns:1fr 1fr}
  .two-col{grid-template-columns:1fr}
}
@media (max-width:640px){
  .menu-btn{display:block}
  .mainnav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid var(--line);gap:4px}
  .mainnav.open{display:flex}
  .mainnav a{padding:10px 0}
  .nav-cta{text-align:center}
  .steps,.cards,.cards.two,.fees,.grid2{grid-template-columns:1fr}
  .section{padding:52px 0}
  .hero-in{padding:52px 20px 48px}
  .btn.big{width:100%}
}