:root {
  --navy: #0f2a44;
  --navy-2: #163a5c;
  --teal: #0d9488;
  --teal-2: #14b8a6;
  --ink: #142233;
  --muted: #5a6b7d;
  --line: #dde4ec;
  --bg: #ffffff;
  --bg-alt: #f4f7fa;
  --warn-bg: #fff4e5;
  --warn-ink: #8a4b00;
  --ok: #0f7a4d;
  --err: #b42318;
  --radius: 14px;
  --serif: "Source Serif 4", Georgia, serif;
  --sans: "Inter", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--bg); line-height: 1.6; font-size: 16px; }
img { max-width: 100%; display: block; }
a { color: var(--teal); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; }
h1, .section-title { font-family: var(--serif); font-weight: 700; letter-spacing: -.01em; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }

/* buttons */
.btn { display: inline-block; background: var(--teal); color: #fff; text-decoration: none; font-weight: 600; padding: 13px 22px; border-radius: 10px; border: 0; cursor: pointer; font-size: 1rem; font-family: inherit; transition: background .15s; }
.btn:hover { background: #0b7d73; }
.btn:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible { outline: 3px solid var(--teal-2); outline-offset: 2px; }
.btn-sm { padding: 8px 14px; font-size: .92rem; }
.btn-ghost { background: transparent; color: var(--navy); border: 1.5px solid var(--line); }
.btn-ghost:hover { background: var(--bg-alt); }
.btn-wide { width: 100%; }
.btn[disabled] { opacity: .55; cursor: not-allowed; }

/* nav */
.nav { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.95); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 66px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.15rem; color: var(--navy); text-decoration: none; }
.brand-light { color: #fff; }
.nav-links { display: flex; align-items: center; gap: 24px; }
.nav-links a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .95rem; }
.nav-links a.btn { color: #fff; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); margin: 5px 0; }

/* hero */
.hero { background: linear-gradient(160deg, #f0f7f7 0%, #fff 55%); padding: 72px 0 64px; }
.hero-grid { display: grid; grid-template-columns: 1.25fr 1fr; gap: 48px; align-items: center; }
.eyebrow { color: var(--teal); font-weight: 600; text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; margin: 0 0 12px; }
.hero h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); color: var(--navy); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 36em; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin: 26px 0 16px; }
.fine { font-size: .85rem; color: var(--muted); margin: 0; }
.fee-card { background: var(--navy); color: #e8eef5; border-radius: var(--radius); padding: 30px; box-shadow: 0 20px 50px -20px rgba(15,42,68,.45); }
.fee-card h2 { color: #fff; font-size: 1.25rem; }
.fee-steps { margin: 0; padding: 0; list-style: none; counter-reset: s; }
.fee-steps li { counter-increment: s; position: relative; padding: 0 0 18px 44px; }
.fee-steps li:last-child { padding-bottom: 0; }
.fee-steps li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 30px; height: 30px; border-radius: 50%; background: var(--teal-2); color: var(--navy); font-weight: 700; display: grid; place-items: center; font-size: .9rem; }
.fee-steps strong { display: block; color: #fff; }

/* sections */
.section { padding: 76px 0; }
.alt { background: var(--bg-alt); }
.section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); color: var(--navy); }
.section-sub { color: var(--muted); max-width: 46em; margin: 0 0 32px; }

/* trust + ticker */
.trust { padding: 70px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.ticker { overflow: hidden; background: var(--navy); padding: 16px 0; margin: 8px 0 36px; mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent); }
.ticker-track { display: flex; gap: 14px; width: max-content; animation: ticker 40s linear infinite; }
.ticker:hover .ticker-track { animation-play-state: paused; }
.ticker-item { display: flex; align-items: center; gap: 10px; background: var(--navy-2); color: #fff; border: 1px solid rgba(255,255,255,.12); border-radius: 999px; padding: 9px 18px; white-space: nowrap; font-size: .93rem; }
.ticker-item svg { flex: none; color: var(--teal-2); }
.ticker-item small { color: #9fb3c8; font-size: .8rem; margin-right: 2px; }
@keyframes ticker { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .ticker-track { animation: none; flex-wrap: wrap; width: auto; padding: 0 20px; } .ticker-track [data-dup] { display: none; } }
.verify-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.verify-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; background: #fff; }
.verify-card h3 { color: var(--navy); }
.facts { display: grid; grid-template-columns: auto 1fr; gap: 8px 18px; margin: 0 0 18px; }
.facts dt { color: var(--muted); font-size: .9rem; }
.facts dd { margin: 0; font-weight: 600; }
.link-arrow { font-weight: 600; text-decoration: none; }
.link-arrow::after { content: " →"; }

/* steps */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.step-num { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 10px; background: #e6f6f4; color: var(--teal); font-weight: 700; margin-bottom: 14px; }
.steps h3 { font-size: 1.08rem; color: var(--navy); }
.steps p { color: var(--muted); margin: 0; font-size: .95rem; }

/* fees */
.fee-table { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.fee-table div { display: flex; justify-content: space-between; gap: 20px; padding: 18px 22px; border-bottom: 1px solid var(--line); }
.fee-table div:last-child { border-bottom: 0; }
.fee-table strong { color: var(--navy); text-align: right; }
.note { margin-top: 20px; padding: 16px 20px; border-left: 4px solid var(--teal); background: #fff; color: var(--muted); border-radius: 0 10px 10px 0; }

/* team */
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 24px; }
.member { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.member img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; background: var(--bg-alt); }
.member .avatar { display: grid; place-items: center; width: 100%; aspect-ratio: 1 / 1; background: linear-gradient(150deg, var(--navy), var(--navy-2)); color: var(--teal-2); font-family: var(--serif); font-size: 3.4rem; font-weight: 700; letter-spacing: .02em; }
.member div { padding: 16px 18px 20px; }
.member h3 { margin: 0; font-size: 1.05rem; color: var(--navy); }
.member .role { color: var(--teal); font-weight: 600; font-size: .9rem; margin: 2px 0 8px; }
.member p { color: var(--muted); font-size: .92rem; margin: 0; }

/* rules */
.rules { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.rule { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; border-top: 4px solid var(--teal); }
.rule h3 { font-size: 1.02rem; color: var(--navy); }
.rule p { margin: 0; color: var(--muted); font-size: .95rem; }

/* faq */
details { border-bottom: 1px solid var(--line); padding: 4px 0; }
summary { cursor: pointer; font-weight: 600; padding: 14px 0; list-style: none; display: flex; justify-content: space-between; gap: 16px; color: var(--navy); }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font-size: 1.3rem; line-height: 1; color: var(--teal); }
details[open] summary::after { content: "–"; }
details p { margin: 0 0 16px; color: var(--muted); }

/* form */
.form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; display: grid; gap: 18px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.form label { display: grid; gap: 6px; font-weight: 600; font-size: .9rem; color: var(--navy); }
.form input, .form select, .form textarea { font: inherit; font-weight: 400; color: var(--ink); padding: 11px 12px; border: 1.5px solid var(--line); border-radius: 9px; background: #fff; width: 100%; min-width: 0; }
.form input:focus, .form select:focus, .form textarea:focus { border-color: var(--teal); outline: none; }
.form .invalid { border-color: var(--err); }
.money { display: flex; gap: 8px; }
.money select { width: 96px; flex: none; }
.check { display: flex !important; align-items: flex-start; gap: 10px; font-weight: 400 !important; color: var(--ink) !important; }
.check input { width: 18px; height: 18px; margin-top: 3px; flex: none; }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.inline-warn { background: var(--warn-bg); color: var(--warn-ink); padding: 12px 14px; border-radius: 9px; margin: 0; font-size: .92rem; }
.form-msg { margin: 0; font-weight: 600; min-height: 1.2em; }
.form-msg.ok { color: var(--ok); }
.form-msg.err { color: var(--err); }
.success-box { text-align: center; padding: 20px 10px; }
.success-box .ref { display: inline-block; font-size: 1.4rem; font-weight: 700; color: var(--navy); background: #e6f6f4; padding: 8px 18px; border-radius: 10px; margin: 8px 0 14px; letter-spacing: .04em; }

/* footer */
.footer { background: var(--navy); color: #b9c8d8; padding: 48px 0 28px; font-size: .9rem; }
.footer-grid { display: flex; justify-content: space-between; gap: 30px; flex-wrap: wrap; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,.12); margin-bottom: 20px; }
.footer-legal { margin: 12px 0 0; line-height: 1.7; }
.footer-links { display: flex; gap: 22px; flex-wrap: wrap; }
.footer a { color: #fff; }
.footer-links a { text-decoration: none; }
.disclaimer { font-size: .82rem; color: #8ea3b9; }
.copy { font-size: .82rem; color: #8ea3b9; margin: 0; }

/* page (privacy) */
.page { padding: 56px 0 80px; }
.page h1 { color: var(--navy); font-size: 2.2rem; }
.page h2 { color: var(--navy); font-size: 1.25rem; margin-top: 1.8em; }
.page p, .page li { color: #2c3d50; }

/* responsive */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .rules { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .nav-toggle { display: block; }
  .nav-links { display: none; position: absolute; top: 66px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: #fff; border-bottom: 1px solid var(--line); padding: 8px 20px 16px; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 0; border-bottom: 1px solid var(--line); }
  .nav-links a.btn { margin-top: 10px; text-align: center; border: 0; }
  .hero { padding: 48px 0; }
  .section, .trust { padding: 56px 0; }
  .steps, .rules, .verify-grid, .grid-2 { grid-template-columns: 1fr; }
  .form { padding: 20px; }
  .fee-table div { flex-direction: column; gap: 4px; }
  .fee-table strong { text-align: left; }
}