:root{--navy:#071a33;--navy2:#0d2748;--burgundy:#6d1025;--gold:#f5c451;--green:#34d399;--white:#fff;--gray:#f4f6f8;--text:#172033;--muted:#627083;--border:#d9e2ec;--shadow:0 20px 60px rgba(0,0,0,.14);--radius:20px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.6}a{text-decoration:none;color:inherit}img{max-width:100%}.container{width:min(1160px,92%);margin:auto}.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);z-index:1000;border-bottom:1px solid rgba(7,26,51,.08)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:115px}.brand{display:flex;align-items:center;gap:12px;color:var(--navy)}.brand-mark{width:44px;height:44px;border-radius:14px;background:linear-gradient(135deg,var(--gold),#ffe8a0);color:var(--navy);display:grid;place-items:center;font-weight:900}.brand strong{display:block;font-size:17px}.brand small{display:block;color:#cbd5e1;font-size:11px}.main-nav{display:flex;align-items:center;gap:22px;color:#26364b;font-weight:700;font-size:14px}.main-nav a:hover{color:var(--burgundy)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:13px 20px;font-weight:900;border:0;cursor:pointer;transition:.2s ease;text-align:center}.btn:hover{transform:translateY(-1px)}.btn-gold{background:var(--gold);color:var(--navy)}.btn-green{background:var(--green);color:#041321}.btn-navy{background:var(--navy);color:#fff}.btn-burgundy{background:var(--burgundy);color:#fff}.btn-outline-light{border:1px solid rgba(255,255,255,.45);color:#fff}.btn-outline-dark{border:1px solid var(--border);color:var(--navy);background:#fff}.mobile-menu-btn{display:none;background:transparent;color:#071a33;border:1px solid rgba(7,26,51,.15);border-radius:12px;padding:8px 12px;font-size:22px}.hero{position:relative;background:radial-gradient(circle at 20% 10%,rgba(245,196,81,.18),transparent 30%),linear-gradient(135deg,var(--navy),#08111f 54%,var(--burgundy));color:#fff;padding:80px 0 54px;overflow:hidden}.hero:after{content:"";position:absolute;inset:auto -10% -30% auto;width:520px;height:520px;background:rgba(52,211,153,.13);border-radius:50%;filter:blur(8px)}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .75fr;gap:42px;align-items:start}.eyebrow{color:var(--gold);font-weight:900;letter-spacing:.13em;text-transform:uppercase;font-size:12px}.hero h1,.page-hero h1{font-size:clamp(36px,5vw,64px);line-height:1.02;margin:14px 0 18px}.hero-subtitle,.page-hero p{font-size:18px;color:#e5edf7;max-width:760px}.hero-bullets{display:grid;gap:10px;padding:0;margin:24px 0;list-style:none}.hero-bullets li{padding-left:28px;position:relative;color:#eef5fc;font-weight:700}.hero-bullets li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.mini-disclaimer{font-size:12px;color:#cbd5e1;margin-top:16px}.trust-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}.trust-row span,.badge{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);padding:8px 11px;border-radius:999px;color:#edf6ff;font-size:13px;font-weight:800}.claim-card,.calc-card,.content-card{background:#fff;color:var(--text);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;border:1px solid rgba(255,255,255,.18)}.form-head h2{margin:8px 0 6px;color:var(--navy);font-size:28px}.form-head p{color:var(--muted);margin:0 0 18px}.form-badge{display:inline-flex;background:#ecfdf5;color:#047857;font-weight:900;border-radius:999px;padding:6px 10px;font-size:12px}.lead-form label,.calc-form label{display:block;font-size:13px;font-weight:900;color:#26364b;margin-bottom:12px}.lead-form input,.lead-form select,.lead-form textarea,.calc-form input,.calc-form select,.calc-form textarea{width:100%;margin-top:6px;border:1px solid var(--border);border-radius:12px;padding:12px 13px;font:inherit;background:#fff;color:var(--text)}.form-grid.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.checkbox{display:flex!important;gap:10px;align-items:flex-start;font-weight:600!important;color:#40516a!important;font-size:11px!important}.checkbox input{width:auto!important;margin-top:3px!important}.form-note{font-size:12px;color:var(--muted)}.section{padding:78px 0}.section.gray{background:var(--gray)}.section.dark{background:linear-gradient(135deg,var(--navy),var(--burgundy));color:#fff}.section-head{max-width:820px;margin:0 auto 34px;text-align:center}.section-label{color:var(--burgundy);font-weight:900;letter-spacing:.15em;text-transform:uppercase;font-size:12px}.dark .section-label{color:var(--gold)}.section h2{font-size:clamp(28px,4vw,46px);line-height:1.1;margin:10px 0}.section-head p{font-size:17px;color:var(--muted)}.dark .section-head p{color:#dbe7f5}.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card,.step,.blog-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:0 12px 35px rgba(15,23,42,.06)}.card h3,.step h3,.blog-card h3{color:var(--navy);margin-top:0}.card ul{padding-left:18px;color:#44546a}.icon{width:46px;height:46px;border-radius:16px;background:#fef3c7;color:#713f12;display:grid;place-items:center;font-weight:900;margin-bottom:14px}.feature-list{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.feature-list span{background:#fff;border:1px solid var(--border);border-radius:16px;padding:16px;font-weight:800;color:var(--navy)}.cta-band{background:linear-gradient(135deg,var(--burgundy),var(--navy));color:#fff;border-radius:28px;padding:42px;display:flex;justify-content:space-between;align-items:center;gap:24px}.page-hero{background:linear-gradient(135deg,var(--navy),var(--burgundy));color:#fff;padding:70px 0}.page-layout{display:grid;grid-template-columns:1fr .35fr;gap:28px;align-items:start}.side-box{position:sticky;top:98px;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:0 12px 35px rgba(15,23,42,.06)}.steps-list{counter-reset:step;display:grid;gap:18px}.steps-list .step{position:relative;padding-left:78px}.steps-list .step:before{counter-increment:step;content:counter(step);position:absolute;left:22px;top:22px;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--burgundy);color:#fff;font-weight:900}.calc-shell{background:linear-gradient(135deg,var(--navy),var(--burgundy));padding:48px 0}.progress{display:flex;justify-content:space-between;gap:8px;margin:0 0 22px}.progress span{flex:1;text-align:center;background:#edf2f7;border-radius:999px;padding:8px;font-size:12px;font-weight:900;color:#53657a}.progress span.active,.progress span.done{background:var(--gold);color:var(--navy)}.calc-step{display:none}.calc-step.active{display:block}.calc-actions{display:flex;justify-content:space-between;gap:12px;margin-top:18px}.result-box{background:#f8fafc;border:1px solid var(--border);border-radius:18px;padding:22px;margin-top:16px}.result-amount{font-size:clamp(28px,4vw,44px);font-weight:900;color:var(--burgundy)}footer{background:#051326;color:#dbe7f5;padding:52px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}.footer-grid h4{color:#fff}.footer-grid a{display:block;color:#cbd5e1;margin:8px 0}.footer-disclaimer{font-size:12px;color:#aebbd0;border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:20px}.sticky-mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:#fff;box-shadow:0 -10px 30px rgba(0,0,0,.16);padding:10px;z-index:1001}.sticky-mobile-cta .btn{width:100%}.success-message{display:none;background:#ecfdf5;border:1px solid #86efac;color:#065f46;border-radius:14px;padding:12px;margin-top:12px;font-weight:800}.success-message.show{display:block}.hidden{display:none!important}@media(max-width:920px){.main-nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--navy);padding:18px 4%;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}.mobile-menu-btn{display:block}.header-cta{display:none}.hero-grid,.page-layout{grid-template-columns:1fr}.card-grid,.feature-list,.footer-grid{grid-template-columns:1fr 1fr}.side-box{position:static}.sticky-mobile-cta{display:block}.hero{padding-top:56px}.cta-band{display:block}.cta-band .hero-actions{margin-top:18px}}@media(max-width:640px){.form-grid.two,.card-grid,.feature-list,.footer-grid{grid-template-columns:1fr}.hero h1,.page-hero h1{font-size:36px}.claim-card,.calc-card{padding:20px}.section{padding:56px 0}.brand small{display:none}.progress{overflow:auto}.progress span{min-width:70px}.calc-actions{flex-direction:column}.calc-actions .btn{width:100%}}
/* FAQ Accordion Styles */
.faq-wrap {
  max-width: 800px;
  margin: 0 auto;
  display: grid;
  gap: 12px;
  text-align: left;
}
.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all 0.3s ease;
}
.faq-item:hover {
  border-color: var(--gold);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.05);
}
.faq-trigger {
  width: 100%;
  background: none;
  border: none;
  padding: 20px 24px;
  text-align: left;
  font-size: 16px;
  font-weight: 800;
  color: var(--navy);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  transition: all 0.25s ease;
  font-family: inherit;
}
.faq-icon {
  font-size: 20px;
  font-weight: 900;
  color: var(--burgundy);
  transition: transform 0.3s ease;
}
.faq-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1), padding 0.3s ease;
  padding: 0 24px;
}
.faq-content p {
  color: var(--muted);
  font-size: 14.5px;
  margin-bottom: 20px;
}
.faq-item.active {
  border-color: var(--gold);
  box-shadow: 0 15px 30px rgba(0, 0, 0, 0.08);
}
.faq-item.active .faq-icon {
  transform: rotate(45deg);
}
.faq-item.active .faq-content {
  max-height: 200px;
  padding-bottom: 10px;
}

/* Top Strip Automatic Right-to-Left Ticker */
.top-strip {
  background: var(--navy);
  color: #d9e4f5;
  font-size: 13.5px;
  border-bottom: 1px solid rgba(255,255,255,.12);
  overflow: hidden;
  white-space: nowrap;
  padding: 10px 0;
  display: flex;
  align-items: center;
  position: relative;
  z-index: 1002;
}
.ticker-track {
  display: flex;
  width: max-content;
  animation: tickerMarquee 38s linear infinite;
}
.top-strip:hover .ticker-track {
  animation-play-state: paused;
}
.ticker-content {
  display: flex;
  align-items: center;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  padding-right: 48px;
  font-weight: 600;
  letter-spacing: 0.01em;
}
.ticker-item strong {
  color: var(--gold, #f5c451);
  margin-right: 6px;
  font-weight: 800;
}
@keyframes tickerMarquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}