:root{--navy:#0d2149;--navy-h:#16306b;--navy-b:#3c548c;--navy-m:#b6c3e2;--ink:#17171a;--g44:#44444a;--g55:#55555a;--g6f:#6f6f74;--g8a:#8a8a8e;--ga3:#a3a3a0;--line:#ececea;--card:#f7f7f4;--card-h:#f1f1ec;--pill:#f1f1ee;--pill-h:#e6e6e2;--yellow:#f5e003;--y1:#f5f0b3;--y2:#f8f4d5;--side:clamp(16px,4vw,56px);--gap:clamp(56px,7vw,96px)}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);font-family:'Archivo',system-ui,-apple-system,sans-serif;text-wrap:pretty;overflow-x:hidden}
a{color:var(--navy)}a:hover{color:#274a8f}
::selection{background:var(--yellow)}
input:focus-visible,button:focus-visible,a:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--navy);outline-offset:2px}
img{max-width:100%}
button,input,textarea{font-family:inherit}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:100}.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;gap:8px;text-decoration:none;font-weight:700;font-size:15.5px;padding:15px 28px;border-radius:999px;border:0;cursor:pointer;transition:background .15s}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-h);color:#fff}
.btn-gray{background:var(--pill);color:var(--ink)}.btn-gray:hover{background:var(--pill-h);color:var(--ink)}
.btn-white{background:#fff;color:var(--ink)}.btn-white:hover{background:var(--line);color:var(--ink)}
.btn-sm{font-size:14px;padding:12px 20px}
/* banner */
.banner{position:relative;width:100%;overflow:hidden;background:var(--navy)}
.banner-stage{position:relative;width:100%;aspect-ratio:2163/727;max-height:460px;min-height:150px}
.banner-slide{position:absolute;inset:0;opacity:0;transition:opacity 1.2s ease;pointer-events:none}
.banner-slide.on{opacity:1;pointer-events:auto}
.banner-slide img{width:100%;height:100%;object-fit:cover;display:block}
.banner-dots{position:absolute;bottom:14px;left:0;right:0;display:flex;justify-content:center;gap:10px}
.banner-dots button{width:10px;height:10px;border-radius:50%;border:1.5px solid #fff;background:transparent;padding:0;cursor:pointer}
.banner-dots button[aria-current=true]{background:#fff}
/* ticker */
.ticker{background:var(--ink);color:#fff;overflow:hidden}
.ticker-track{display:flex;width:max-content;animation:tickerScroll 40s linear infinite;padding:9px 0}
.ticker:hover .ticker-track{animation-play-state:paused}
.tk{display:flex;gap:10px;align-items:baseline;white-space:nowrap;padding:0 26px;font-size:13px;letter-spacing:.04em;font-weight:500}
.tk-l{color:var(--ga3)}.tk-v{color:var(--yellow);font-weight:700}.tk-d{color:var(--ga3);font-size:11px}
@keyframes tickerScroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker-track{animation-duration:160s}.banner-slide{transition:none}html{scroll-behavior:auto}}
/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);display:flex;align-items:center;gap:18px 24px;flex-wrap:wrap;padding:16px var(--side);border-bottom:1px solid var(--line)}
.brand{display:flex;align-items:baseline;text-decoration:none}
.brand b{font-weight:900;font-size:22px;letter-spacing:.04em;color:var(--navy)}
.brand span{font-weight:600;font-size:10.5px;letter-spacing:.24em;color:var(--ink);margin-left:10px;text-transform:uppercase}
.nav-links{display:flex;gap:22px;flex-wrap:wrap;align-items:center;font-weight:500;font-size:14.5px;margin-left:auto}
.nav-links a{text-decoration:none;color:var(--ink)}.nav-links a:hover{color:var(--navy)}
.nav-right{display:flex;gap:10px;align-items:center}
.seg{display:flex;background:var(--pill);border-radius:999px;padding:3px}
.seg button{border:0;padding:6px 14px;border-radius:999px;font-weight:600;font-size:13px;cursor:pointer;background:transparent;color:var(--ink)}
.seg button[aria-pressed=true]{background:var(--ink);color:#fff}
.nav-cta{text-decoration:none;background:var(--ink);color:#fff;font-weight:700;font-size:14px;padding:11px 20px;border-radius:999px;white-space:nowrap}
.nav-cta:hover{background:var(--navy);color:#fff}
.menu-btn{display:none;border:0;background:var(--pill);border-radius:999px;width:42px;height:42px;font-size:20px;cursor:pointer;color:var(--ink);align-items:center;justify-content:center}
@media (max-width:860px){
  .menu-btn{display:inline-flex}
  .nav{gap:12px}
  .nav-right{margin-left:auto}
  .nav-links{display:none;order:5;width:100%;flex-direction:column;align-items:stretch;gap:0;margin:0;font-size:17px}
  .nav.open .nav-links{display:flex}
  .nav-links a{padding:13px 2px;border-top:1px solid var(--line)}
}
@media (max-width:420px){.brand span{display:none}.nav-cta{padding:10px 14px;font-size:13px}.seg button{padding:6px 10px}}
/* layout */
.wrap{max-width:1160px;margin:0 auto;padding:var(--gap) var(--side) 0}
.h2{font-weight:800;font-size:clamp(28px,3.4vw,44px);line-height:1.05;letter-spacing:-.025em;margin:0 0 28px}
.hero{padding:clamp(56px,8vw,120px) var(--side) 24px;max-width:1160px;margin:0 auto}
.hero h1{font-weight:800;font-size:clamp(38px,5vw,72px);line-height:1.04;letter-spacing:-.03em;margin:0;max-width:20ch}
.hero h1 span{color:var(--navy)}
.hero p{font-size:clamp(16px,1.5vw,18.5px);line-height:1.6;max-width:58ch;margin:24px 0 0;color:var(--g44)}
.row-btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.trust{display:flex;gap:10px 36px;flex-wrap:wrap;margin-top:36px;font-size:13.5px;font-weight:600;color:var(--g6f)}
.trust span{display:flex;gap:8px;align-items:baseline}
.ic{color:var(--navy)}
/* rates */
.asof{font-size:15.5px;line-height:1.6;color:var(--g6f);margin:-18px 0 28px;max-width:70ch}
.rate-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(165px,1fr));gap:10px}
.rate-card{background:var(--card);border-radius:14px;padding:22px 20px}
.rate-card.hi{background:var(--y1)}
.rate-card .n{font-size:12.5px;font-weight:600;letter-spacing:.02em;color:var(--g55)}
.rate-card .r{font-weight:800;letter-spacing:-.02em;font-size:clamp(28px,2.8vw,38px);line-height:1.1;margin-top:8px}
.rate-card .c{font-size:12px;font-weight:500;margin-top:6px;color:var(--g55);min-height:1em}
.rates-foot{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:baseline;margin-top:16px}
.rates-foot p{font-size:12.5px;line-height:1.55;color:var(--g8a);margin:0;max-width:80ch}
.rates-foot a{font-weight:700;font-size:14px;white-space:nowrap}
/* cards */
.grid{display:grid;gap:12px}
.g270{grid-template-columns:repeat(auto-fit,minmax(270px,1fr))}
.g230{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:var(--card);border-radius:18px;padding:26px 24px;transition:background .15s}
.card.hov:hover{background:var(--card-h)}
.prog{display:flex;flex-direction:column;gap:12px}
.prog i{font-size:30px;color:var(--navy)}
.card h3{font-weight:700;font-size:19px;letter-spacing:-.01em;margin:0}
.card p{font-size:15px;line-height:1.6;margin:0;color:var(--g55)}
.step-n{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:17px}
.step h3{font-size:18px;margin-top:16px}.step p{margin-top:10px}
/* calculator */
.calc{background:var(--navy);border-radius:24px;padding:clamp(28px,4vw,56px);color:#fff;display:flex;flex-wrap:wrap;gap:42px clamp(32px,5vw,80px);align-items:flex-start}
.calc-l{flex:1;min-width:min(280px,100%);display:grid;gap:18px}
.calc h2{font-weight:800;font-size:clamp(26px,3vw,38px);line-height:1.05;letter-spacing:-.02em;margin:0;color:#fff}
.calc label,.calc .lbl{display:grid;gap:6px;font-size:13px;font-weight:600;letter-spacing:.02em;color:var(--navy-m)}
.calc input{font-size:17px;font-weight:600;padding:12px 14px;border-radius:12px;border:1px solid var(--navy-b);background:var(--navy-h);color:#fff;width:100%;min-width:0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.term{display:inline-flex;background:var(--navy-h);border-radius:999px;padding:3px;justify-self:start}
.term button{border:0;padding:9px 18px;border-radius:999px;font-weight:700;font-size:14px;cursor:pointer;background:transparent;color:#fff}
.term button[aria-pressed=true]{background:var(--yellow);color:var(--ink)}
.calc-r{flex:1;min-width:min(260px,100%)}
.calc-r .lbl{display:block;letter-spacing:.04em}
.pay{font-weight:800;letter-spacing:-.03em;font-size:clamp(52px,6.5vw,96px);line-height:1;color:var(--yellow);margin-top:10px}
.bd{display:grid;gap:8px;margin-top:24px;max-width:380px}
.bd div{display:flex;justify-content:space-between;gap:16px;font-size:14.5px;border-bottom:1px solid var(--navy-b);padding-bottom:8px}
.bd div:last-child{border-bottom:0}
.bd span:first-child{color:var(--navy-m)}.bd span:last-child{font-weight:700;color:#fff}
.calc-note{font-size:14px;line-height:1.6;color:var(--navy-m);margin:18px 0 0;max-width:44ch}
/* statement */
.big{text-align:center;padding:clamp(72px,9vw,120px) var(--side)}
.big p{font-weight:800;font-size:clamp(28px,4.2vw,58px);line-height:1.1;letter-spacing:-.025em;max-width:24ch;margin:0 auto}
/* ftb */
.ftb{background:var(--y2);border-radius:24px;padding:clamp(28px,4vw,56px);display:flex;flex-wrap:wrap;gap:36px clamp(32px,5vw,80px);align-items:flex-start}
.ftb-l{flex:1.3;min-width:min(300px,100%)}
.ftb h2{font-weight:800;font-size:clamp(26px,3.2vw,42px);line-height:1.05;letter-spacing:-.025em;margin:0;max-width:24ch}
.ftb-l p{font-size:15.5px;line-height:1.65;margin:18px 0 0;max-width:60ch;color:var(--g44)}
.ftb-r{flex:1;min-width:min(260px,100%);display:grid;gap:12px}
.ftb-r p{display:flex;align-items:baseline;gap:12px;margin:0;font-size:15.5px;line-height:1.5;font-weight:600}
.ftb-r i{color:var(--navy);font-size:20px;flex-shrink:0}
/* team */
.member{background:var(--card);border-radius:24px;padding:clamp(24px,3vw,42px);display:flex;flex-wrap:wrap;gap:32px clamp(28px,4vw,64px);align-items:center;margin-bottom:12px}
.member>img{width:min(240px,100%);height:auto;aspect-ratio:1/1;object-fit:cover;border-radius:16px;flex-shrink:0;display:block;background:#e9e9e4}
.member-b{flex:1;min-width:min(300px,100%)}
.badge{display:inline-block;background:var(--navy);color:#fff;border-radius:999px;padding:6px 14px;font-size:12px;font-weight:700;letter-spacing:.04em}
.member h3{font-weight:800;font-size:clamp(26px,3vw,38px);letter-spacing:-.02em;line-height:1.05;margin:14px 0 0}
.lic{font-size:13px;font-weight:600;letter-spacing:.03em;color:var(--g6f);margin:8px 0 0}
.bio{font-size:15.5px;line-height:1.65;margin:16px 0 0;max-width:60ch;color:var(--g44)}
.member .row-btns{margin-top:20px}
.member .btn{word-break:break-all}
.extra{grid-template-columns:repeat(auto-fill,minmax(200px,1fr))}
.extra figure{margin:0;background:var(--card);border-radius:18px;padding:14px}
.extra .ph{aspect-ratio:1/1;border-radius:12px;overflow:hidden;background:#e9e9e4;display:flex;align-items:center;justify-content:center;color:var(--ga3);font-size:44px}
.extra .ph img{width:100%;height:100%;object-fit:cover;display:block}
.extra figcaption{margin-top:12px}
.extra b{display:block;font-weight:700;font-size:16.5px;letter-spacing:-.01em}
.extra span{display:block;font-size:12.5px;font-weight:600;color:var(--g6f);margin-top:3px}
.extra small{display:block;font-size:11.5px;font-weight:500;color:var(--ga3);margin-top:3px}
.extra a{font-size:12.5px;font-weight:600;display:inline-block;margin-top:6px}
/* testimonials */
.quote{margin:0}
.quote blockquote{font-size:16.5px;line-height:1.6;font-weight:500;margin:0}
.quote figcaption{font-size:13px;font-weight:600;color:var(--g6f);margin-top:16px}
/* about */
.about{background:var(--card);border-radius:24px;padding:clamp(28px,4vw,56px)}
.about .badge{padding:7px 15px;letter-spacing:.05em}
.about-row{display:flex;flex-wrap:wrap;gap:36px clamp(32px,5vw,80px);align-items:flex-start;margin-top:28px}
.about-l{flex:1.5;min-width:min(300px,100%)}
.about h2{font-weight:800;font-size:clamp(24px,2.8vw,36px);line-height:1.15;letter-spacing:-.02em;max-width:32ch;margin:0}
.about-l p{font-size:15.5px;line-height:1.7;margin:20px 0 0;max-width:64ch;color:var(--g44)}
.about-l .by{font-size:13.5px;font-weight:600;letter-spacing:.02em;color:var(--g6f)}
.about-r{flex:1;min-width:min(240px,100%);display:grid;gap:14px}
.chip{display:flex;gap:16px;align-items:center;background:#fff;border-radius:16px;padding:14px}
.chip img{width:72px;height:72px;border-radius:12px;object-fit:cover;flex-shrink:0;display:block}
.chip b{display:block;font-weight:700;font-size:15.5px;letter-spacing:-.01em}
.chip span{display:block;font-size:12.5px;font-weight:600;color:var(--g6f);margin-top:2px}
/* faq */
.faq{display:grid;gap:10px;max-width:860px}
.faq details{background:var(--card);border-radius:14px;padding:18px 22px}
.faq summary{font-weight:700;font-size:16px;cursor:pointer}
.faq p{font-size:15px;line-height:1.65;margin:12px 0 0;color:var(--g55);max-width:72ch}
/* join */
.join{text-align:center;padding-top:clamp(40px,5vw,64px)}
.join h2{font-weight:800;font-size:clamp(20px,2.2vw,28px);letter-spacing:-.02em;margin:0}
.join p{font-size:15px;line-height:1.6;color:var(--g6f);margin:10px auto 0;max-width:54ch}
.join .btn{margin-top:18px;font-size:14.5px;padding:12px 24px}
/* contact */
.contact-sec{padding-bottom:var(--gap)}
.contact{background:var(--card);border-radius:24px;padding:clamp(28px,4vw,56px);display:flex;flex-wrap:wrap;gap:40px clamp(32px,5vw,80px)}
.contact form{flex:1.2;min-width:min(300px,100%);max-width:520px;display:grid;gap:16px}
.contact h2{font-weight:800;font-size:clamp(26px,3vw,38px);line-height:1.05;letter-spacing:-.02em;margin:0}
.contact label{display:grid;gap:6px;font-size:13px;font-weight:600;color:var(--g55)}
.contact input{font-size:16px;padding:12px 14px;border-radius:12px;border:1px solid #d8d8d4;background:#fff;width:100%;color:var(--ink)}
.contact button{font-size:15.5px}
.contact button:disabled{opacity:.85;cursor:default}
.form-msg{font-size:14px;font-weight:600;margin:0;color:#8c2f2f}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.contact-info{flex:1;min-width:min(260px,100%);font-size:15.5px;line-height:1.7}
.contact-info p{margin:14px 0 0;display:flex;gap:12px;align-items:baseline}
.contact-info p:first-child{margin-top:0}
.contact-info i{color:var(--navy);font-size:20px}
.contact-info a{font-weight:600;word-break:break-all}
.contact-info .hours{margin-top:18px;color:var(--g6f);display:block}
/* footer */
footer{background:var(--ink);color:var(--ga3);padding:clamp(40px,5vw,64px) var(--side)}
footer .in{max-width:1160px;margin:0 auto}
footer img{height:64px;width:auto;display:block;margin-bottom:24px;border-radius:8px}
footer p{margin:0;max-width:96ch;font-size:12.5px;line-height:1.7}
footer p+p{margin-top:14px}
footer a{color:var(--ga3)}footer a:hover{color:#fff}
[hidden]{display:none!important}