@import"https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@500;600;700;800&display=swap";*,:before,:after{--tw-border-spacing-x: 0;--tw-border-spacing-y: 0;--tw-translate-x: 0;--tw-translate-y: 0;--tw-rotate: 0;--tw-skew-x: 0;--tw-skew-y: 0;--tw-scale-x: 1;--tw-scale-y: 1;--tw-pan-x: ;--tw-pan-y: ;--tw-pinch-zoom: ;--tw-scroll-snap-strictness: proximity;--tw-gradient-from-position: ;--tw-gradient-via-position: ;--tw-gradient-to-position: ;--tw-ordinal: ;--tw-slashed-zero: ;--tw-numeric-figure: ;--tw-numeric-spacing: ;--tw-numeric-fraction: ;--tw-ring-inset: ;--tw-ring-offset-width: 0px;--tw-ring-offset-color: #fff;--tw-ring-color: rgb(59 130 246 / .5);--tw-ring-offset-shadow: 0 0 #0000;--tw-ring-shadow: 0 0 #0000;--tw-shadow: 0 0 #0000;--tw-shadow-colored: 0 0 #0000;--tw-blur: ;--tw-brightness: ;--tw-contrast: ;--tw-grayscale: ;--tw-hue-rotate: ;--tw-invert: ;--tw-saturate: ;--tw-sepia: ;--tw-drop-shadow: ;--tw-backdrop-blur: ;--tw-backdrop-brightness: ;--tw-backdrop-contrast: ;--tw-backdrop-grayscale: ;--tw-backdrop-hue-rotate: ;--tw-backdrop-invert: ;--tw-backdrop-opacity: ;--tw-backdrop-saturate: ;--tw-backdrop-sepia: ;--tw-contain-size: ;--tw-contain-layout: ;--tw-contain-paint: ;--tw-contain-style: }::backdrop{--tw-border-spacing-x: 0;--tw-border-spacing-y: 0;--tw-translate-x: 0;--tw-translate-y: 0;--tw-rotate: 0;--tw-skew-x: 0;--tw-skew-y: 0;--tw-scale-x: 1;--tw-scale-y: 1;--tw-pan-x: ;--tw-pan-y: ;--tw-pinch-zoom: ;--tw-scroll-snap-strictness: proximity;--tw-gradient-from-position: ;--tw-gradient-via-position: ;--tw-gradient-to-position: ;--tw-ordinal: ;--tw-slashed-zero: ;--tw-numeric-figure: ;--tw-numeric-spacing: ;--tw-numeric-fraction: ;--tw-ring-inset: ;--tw-ring-offset-width: 0px;--tw-ring-offset-color: #fff;--tw-ring-color: rgb(59 130 246 / .5);--tw-ring-offset-shadow: 0 0 #0000;--tw-ring-shadow: 0 0 #0000;--tw-shadow: 0 0 #0000;--tw-shadow-colored: 0 0 #0000;--tw-blur: ;--tw-brightness: ;--tw-contrast: ;--tw-grayscale: ;--tw-hue-rotate: ;--tw-invert: ;--tw-saturate: ;--tw-sepia: ;--tw-drop-shadow: ;--tw-backdrop-blur: ;--tw-backdrop-brightness: ;--tw-backdrop-contrast: ;--tw-backdrop-grayscale: ;--tw-backdrop-hue-rotate: ;--tw-backdrop-invert: ;--tw-backdrop-opacity: ;--tw-backdrop-saturate: ;--tw-backdrop-sepia: ;--tw-contain-size: ;--tw-contain-layout: ;--tw-contain-paint: ;--tw-contain-style: }*,:before,:after{box-sizing:border-box;border-width:0;border-style:solid;border-color:#e5e7eb}:before,:after{--tw-content: ""}html,:host{line-height:1.5;-webkit-text-size-adjust:100%;-moz-tab-size:4;-o-tab-size:4;tab-size:4;font-family:ui-sans-serif,system-ui,sans-serif,"Apple Color Emoji","Segoe UI Emoji",Segoe UI Symbol,"Noto Color Emoji";font-feature-settings:normal;font-variation-settings:normal;-webkit-tap-highlight-color:transparent}body{margin:0;line-height:inherit}hr{height:0;color:inherit;border-top-width:1px}abbr:where([title]){-webkit-text-decoration:underline dotted;text-decoration:underline dotted}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;text-decoration:inherit}b,strong{font-weight:bolder}code,kbd,samp,pre{font-family:ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,Liberation Mono,Courier New,monospace;font-feature-settings:normal;font-variation-settings:normal;font-size:1em}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:baseline}sub{bottom:-.25em}sup{top:-.5em}table{text-indent:0;border-color:inherit;border-collapse:collapse}button,input,optgroup,select,textarea{font-family:inherit;font-feature-settings:inherit;font-variation-settings:inherit;font-size:100%;font-weight:inherit;line-height:inherit;letter-spacing:inherit;color:inherit;margin:0;padding:0}button,select{text-transform:none}button,input:where([type=button]),input:where([type=reset]),input:where([type=submit]){-webkit-appearance:button;background-color:transparent;background-image:none}:-moz-focusring{outline:auto}:-moz-ui-invalid{box-shadow:none}progress{vertical-align:baseline}::-webkit-inner-spin-button,::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}::-webkit-search-decoration{-webkit-appearance:none}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}summary{display:list-item}blockquote,dl,dd,h1,h2,h3,h4,h5,h6,hr,figure,p,pre{margin:0}fieldset{margin:0;padding:0}legend{padding:0}ol,ul,menu{list-style:none;margin:0;padding:0}dialog{padding:0}textarea{resize:vertical}input::-moz-placeholder,textarea::-moz-placeholder{opacity:1;color:#9ca3af}input::placeholder,textarea::placeholder{opacity:1;color:#9ca3af}button,[role=button]{cursor:pointer}:disabled{cursor:default}img,svg,video,canvas,audio,iframe,embed,object{display:block;vertical-align:middle}img,video{max-width:100%;height:auto}[hidden]:where(:not([hidden=until-found])){display:none}.container{width:100%}@media (min-width: 640px){.container{max-width:640px}}@media (min-width: 768px){.container{max-width:768px}}@media (min-width: 1024px){.container{max-width:1024px}}@media (min-width: 1280px){.container{max-width:1280px}}@media (min-width: 1536px){.container{max-width:1536px}}.fixed{position:fixed}.grow{flex-grow:1}.border{border-width:1px}.filter{filter:var(--tw-blur) var(--tw-brightness) var(--tw-contrast) var(--tw-grayscale) var(--tw-hue-rotate) var(--tw-invert) var(--tw-saturate) var(--tw-sepia) var(--tw-drop-shadow)}:root{font-family:DM Sans,sans-serif;color:#1b2c3a;background:#fbfaf7;font-synthesis:none;text-rendering:optimizeLegibility;--navy:#112d41;--navy-deep:#0b2334;--green:#557d6b;--green-dark:#365c4d;--cream:#fbfaf7;--line:#dce4e1;--muted:#64757a}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;min-width:320px;background:var(--cream)}button,input,select{font:inherit}button{cursor:pointer}p{line-height:1.7;color:var(--muted);margin:0 0 16px}h1,h2,h3{font-family:Manrope,sans-serif;letter-spacing:-.045em;color:var(--navy);line-height:1.14;margin:0 0 20px}h1{font-size:clamp(42px,6vw,76px);max-width:800px}h1 em{font-style:normal;color:var(--green)}h2{font-size:clamp(32px,4vw,52px)}h3{font-size:20px;letter-spacing:-.025em}.container{width:min(1160px,calc(100% - 40px));margin:0 auto}.section-pad{padding:100px 0}.site-header{position:sticky;top:0;z-index:20;background:#fff;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);border-bottom:1px solid rgba(220,228,225,.75)}.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:150px;gap:22px}.brand{border:0;padding:0;background:transparent;display:flex;align-items:center}.brand img{width:480px;height:142px;-o-object-fit:contain;object-fit:contain;-o-object-position:left center;object-position:left center}.desktop-nav{display:flex;align-items:center;gap:24px;margin-left:auto}.desktop-nav button,.text-button{border:0;background:transparent;color:var(--navy);font-size:14px;font-weight:600;padding:8px 0}.desktop-nav button:hover,.text-button:hover{color:var(--green-dark)}.header-cta,.button{border:0;display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:12px;font-weight:700;transition:transform .2s,background .2s,box-shadow .2s}.header-cta{background:var(--green);color:#fff;padding:13px 17px;font-size:13px;white-space:nowrap}.header-cta:hover,.button-primary:hover{background:var(--green-dark);transform:translateY(-2px);box-shadow:0 10px 25px #365c4d33}.menu-toggle{display:none;border:0;background:transparent;color:var(--navy)}.hero{padding-top:112px;padding-bottom:84px;background:radial-gradient(circle at 88% 18%,rgba(111,149,130,.13),transparent 28%),var(--cream)}.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 410px;gap:86px;align-items:center}.eyebrow,.section-kicker{font-size:12px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--green);margin-bottom:20px}.eyebrow{display:flex;align-items:center;gap:10px}.eyebrow-line{display:inline-block;width:28px;height:1px;background:var(--green)}.hero-copy>p{max-width:680px;font-size:16px}.hero-copy .hero-lead{font-size:20px;line-height:1.55;color:var(--navy);max-width:630px}.hero-note{border-left:2px solid #b7cabf;padding-left:18px;margin-top:24px}.hero-actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap;margin:30px 0 28px}.button{padding:16px 20px;font-size:14px}.button-primary{background:var(--green);color:#fff}.button-secondary{background:var(--navy);color:#fff}.button-secondary:hover{background:var(--navy-deep);transform:translateY(-2px);box-shadow:0 10px 25px #112d412e}.text-button{display:inline-flex;align-items:center;gap:9px}.trust-row{display:flex;gap:18px;flex-wrap:wrap}.trust-row span{display:inline-flex;align-items:center;gap:6px;font-size:12px;color:var(--muted);font-weight:600}.trust-row svg{color:var(--green)}.lead-card{background:#fff;border:1.5px solid #b9c9c4;box-shadow:0 22px 70px #122c3c1a;padding:30px;border-radius:16px}.lead-card-top{display:flex;gap:14px;align-items:flex-start}.card-icon,.info-icon{width:42px;height:42px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:12px;flex:none;border:1.5px solid #c3d7cf}.lead-card h2{font-size:25px;margin-bottom:0}.lead-card>p{font-size:14px;margin:19px 0 22px}.lead-card form{display:grid;gap:14px}.lead-card label,.calculator-input label{font-size:12px;font-weight:700;color:var(--navy);display:grid;gap:7px}.lead-card input,.lead-card select,.calculator-input input{border:1.5px solid #b9c9c4;border-radius:10px;padding:13px 12px;width:100%;background:#fff;color:var(--navy);font-size:14px;outline:none}.lead-card input:focus,.lead-card select:focus,.calculator-input input:focus{border-color:var(--green);box-shadow:0 0 0 3px #557d6b1f}.form-button{width:100%;margin-top:4px}.lead-card small{font-size:11px;line-height:1.5;color:#879598}.lead-iframe-wrap{width:100%;height:430px;overflow:hidden;border-radius:10px}.form-error{color:#a23b34!important;font-size:13px;margin:0}.form-success{text-align:center;background:#edf4f0;padding:30px 18px;margin-top:24px;color:var(--green-dark);border-radius:12px}.form-success svg{margin-bottom:12px}.form-success h3{font-size:20px;margin-bottom:8px}.form-success p{font-size:14px;margin:0}.stat-strip{background:var(--navy);color:#fff}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr)}.stat-grid>div{padding:28px 20px;display:flex;align-items:center;gap:16px;border-right:1px solid rgba(255,255,255,.15)}.stat-grid>div:first-child{border-left:1px solid rgba(255,255,255,.15)}.stat-grid strong{font:700 31px Manrope;color:#9ebba9}.stat-grid span{font-size:14px;color:#d6e1e2}.light-section{background:#f1f5f2}.narrow-content{max-width:760px}.narrow-content h2{max-width:740px}.narrow-content>p{font-size:16px}.question-callout{border:1.5px solid #b9c9c4;border-radius:16px;padding:24px;margin:30px 0;display:grid;gap:5px}.question-callout span{color:var(--muted);font-size:14px}.question-callout strong{font:600 23px Manrope;color:var(--navy);margin-bottom:6px}.section-heading{display:grid;grid-template-columns:1.1fr .9fr;gap:80px;align-items:end;margin-bottom:44px}.section-heading>p{max-width:440px}.centered-heading{display:block;text-align:center}.centered-heading>div{max-width:730px;margin:0 auto}.problem-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.problem-card{border:1.5px solid #b9c9c4;padding:27px;background:#fff;min-height:240px;border-radius:16px;transition:transform .2s,box-shadow .2s}.problem-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px #122c3c14}.card-number{display:block;color:#8caf9e;font:700 14px Manrope;margin-bottom:28px}.problem-card h3{margin-bottom:12px}.problem-card p{font-size:14px}.inline-cta{background:var(--navy);color:#fff;padding:29px 34px;margin-top:28px;display:flex;align-items:center;justify-content:space-between;gap:25px;border-radius:16px}.inline-cta strong,.inline-cta span{display:block}.inline-cta strong{font:600 21px Manrope;margin-bottom:4px}.inline-cta span{color:#b9c9cb;font-size:14px}.options-list,.faq-list{border-top:1px solid #cdd9d4}.options-list details,.faq-list details{border-bottom:1px solid #cdd9d4}.options-list summary,.faq-list summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:23px 0;color:var(--navy);font:600 18px Manrope}.options-list summary::-webkit-details-marker,.faq-list summary::-webkit-details-marker{display:none}.options-list summary svg,.faq-list summary svg{transition:transform .2s;color:var(--green)}details[open] summary svg{transform:rotate(180deg)}.options-list details p,.faq-list details p{max-width:800px;padding:0 50px 22px 0;margin:0;font-size:15px}.center-action{text-align:center;margin-top:38px}.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.step{border-top:2px solid #bdd0c6;padding-top:18px}.step>span{font:700 14px Manrope;color:var(--green);display:block;margin-bottom:27px}.step h3{font-size:20px}.step p{font-size:14px}.broker-section{background:var(--navy);color:#fff}.broker-grid{display:grid;grid-template-columns:1fr 1fr;gap:100px}.broker-section h2{color:#fff;max-width:500px}.broker-section p{color:#c4d1d2}.strong-copy{color:#fff!important;font-weight:600}.light-text{color:#fff}.two-col-info{display:grid;grid-template-columns:1fr 1fr;gap:24px}.info-block{background:#fff;border:1.5px solid #b9c9c4;padding:32px;border-radius:16px}.info-block .info-icon{margin-bottom:22px}.info-block h2{font-size:30px}.answer{font:700 25px Manrope;color:var(--green-dark);margin:12px 0 15px}.fit-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:#d6e1dc;border:1.5px solid #b9c9c4;border-radius:16px;overflow:hidden}.fit-grid div{display:flex;gap:13px;align-items:flex-start;background:#fff;padding:18px 20px;font-size:14px;color:var(--navy)}.fit-grid svg{color:var(--green);flex:none;margin-top:1px}.scenario-grid{display:grid;grid-template-columns:.75fr 1.25fr;gap:80px;align-items:start}.example-label{display:inline-flex;align-items:center;gap:7px;padding:8px 11px;background:#e8f0eb;color:var(--green-dark);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:30px;border:1.5px solid #c3d7cf;border-radius:8px}.scenario-card{background:#fff;border:1.5px solid #b9c9c4;padding:34px;border-radius:16px;box-shadow:0 20px 50px #122c3c0f}.scenario-person{display:flex;align-items:center;gap:13px;padding-bottom:24px;border-bottom:1px solid var(--line);margin-bottom:24px}.avatar{width:45px;height:45px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 20px Manrope}.scenario-person strong,.scenario-person span{display:block}.scenario-person strong{font:700 16px Manrope;color:var(--navy)}.scenario-person span{font-size:13px;color:var(--muted);margin-top:3px}.scenario-card p{font-size:15px}.scenario-closing{border-left:2px solid var(--green);padding:14px 0 14px 18px;font:600 16px Manrope;color:var(--navy);line-height:1.5;margin-top:26px}.calculator-section{background:#dfeae5}.calculator-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.calculator-grid>div>p{max-width:530px}.calculator-input{max-width:420px;margin:28px 0}.calculator-input>div{display:flex;align-items:center;background:#fff;border:1.5px solid #b9c9c4;border-radius:10px;margin-top:8px}.calculator-input>div span{font:600 18px Manrope;padding-left:13px;color:var(--muted)}.calculator-input input{border:0;font:600 19px Manrope;padding:14px 10px}.calculator-card{background:var(--navy);padding:30px;color:#fff;border:1.5px solid #1a3a52;border-radius:16px}.calculator-card>div{display:flex;justify-content:space-between;align-items:center;border-bottom:1px solid rgba(255,255,255,.15);padding:17px 0;gap:15px}.calculator-card>div:first-child{padding-top:0}.calculator-card span{font-size:14px;color:#bfced0}.calculator-card strong{font:600 25px Manrope;color:#a7c5b4;text-align:right}.calculator-card small{display:block;font-size:11px;line-height:1.5;color:#aebfc0;margin-top:23px}.final-cta{background:var(--navy-deep);color:#fff}.final-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:90px;align-items:center}.final-inner h2{color:#fff;max-width:730px}.final-inner p{color:#b8c7c8;max-width:650px}.final-actions{display:flex;flex-direction:column;gap:18px;align-items:flex-start}.final-actions .button{width:100%}footer{background:#fff;color:var(--muted);padding:25px 0;border-top:1px solid var(--line)}.footer-inner{display:flex;align-items:center;gap:22px;font-size:12px}.footer-inner img{width:380px;height:112px;-o-object-fit:contain;object-fit:contain}.footer-inner span:last-child{margin-left:auto}.review-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.review-card{background:#fff;border:1.5px solid #b9c9c4;padding:22px;border-radius:14px;transition:transform .2s,box-shadow .2s}.review-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px #122c3c14}.review-icon{width:40px;height:40px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;margin-bottom:16px;border:1.5px solid #c3d7cf}.review-card h3{font-size:16px;margin-bottom:8px}.review-card p{font-size:13px}.review-context{max-width:760px;margin:36px auto 0;text-align:center}.review-context p{font-size:15px}.steps-five{grid-template-columns:repeat(5,1fr)}.trust-band{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:30px 0;padding:28px;background:#fff;border:1.5px solid #b9c9c4;border-radius:16px}.trust-band-item{display:flex;align-items:center;gap:10px;font-size:14px;font-weight:600;color:var(--navy)}.trust-band-item svg{color:var(--green);flex:none}.savings-list{border-top:1px solid #cdd9d4}.savings-list details{border-bottom:1px solid #cdd9d4}.savings-list summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:23px 0;color:var(--navy);font:600 18px Manrope}.savings-list summary::-webkit-details-marker{display:none}.savings-list summary svg{transition:transform .2s;color:var(--green);flex:none}.savings-list details[open] summary svg{transform:rotate(180deg)}.savings-list details p{padding:0 50px 22px 0;margin:0;font-size:15px}.savings-card-head{display:flex;align-items:center;gap:14px}.savings-icon{width:40px;height:40px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;flex:none;border:1.5px solid #c3d7cf}.answer-large{font:700 42px Manrope;color:var(--green-dark);margin:16px 0 20px}.expense-chips{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0}.expense-chip{display:inline-flex;align-items:center;gap:7px;padding:9px 14px;background:#edf4f0;border:1.5px solid #c3d7cf;border-radius:10px;font-size:13px;font-weight:600;color:var(--navy)}.expense-chip svg{color:var(--green);flex:none}.relief-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.relief-card{background:#fff;border:1.5px solid #b9c9c4;padding:24px;border-radius:14px;transition:transform .2s,box-shadow .2s}.relief-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px #122c3c14}.relief-card h3{font-size:17px;margin-bottom:8px}.relief-card p{font-size:14px}.journey-timeline{display:grid;grid-template-columns:repeat(7,1fr);gap:0;position:relative;margin-bottom:10px}.journey-step{display:flex;flex-direction:column;align-items:center;text-align:center;padding:0 8px}.journey-number{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 15px Manrope;margin-bottom:16px;position:relative;z-index:2}.journey-step:not(:last-child) .journey-number:after{content:"";position:absolute;top:50%;left:100%;width:100%;height:2px;background:#bdd0c6;z-index:-1}.journey-content h3{font-size:14px;margin-bottom:6px}.journey-content p{font-size:12px;line-height:1.5}.section-intro{max-width:760px;margin:0 auto 30px;text-align:center;font-size:16px;color:var(--muted)}.interaction-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;max-width:900px;margin:0 auto 30px}.interaction-chip{display:flex;flex-direction:column;align-items:center;gap:10px;padding:20px 12px;background:#fff;border:1.5px solid #b9c9c4;border-radius:12px;text-align:center}.interaction-icon{width:38px;height:38px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;border:1.5px solid #c3d7cf}.interaction-chip span:last-child{font-size:13px;font-weight:600;color:var(--navy)}.profit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.profit-card{background:#fff;border:1.5px solid #b9c9c4;padding:24px;border-radius:14px;transition:transform .2s,box-shadow .2s}.profit-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px #122c3c14}.profit-icon{width:40px;height:40px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;margin-bottom:16px;border:1.5px solid #c3d7cf}.profit-card h3{font-size:17px;margin-bottom:8px}.profit-card p{font-size:14px}.audience-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.audience-item{display:flex;align-items:center;gap:14px;padding:18px 22px;background:#fff;border:1.5px solid #b9c9c4;border-radius:12px;font-size:15px;font-weight:600;color:var(--navy)}.audience-icon{width:38px;height:38px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;flex:none;border:1.5px solid #c3d7cf}.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.why-card{background:#fff;border:1.5px solid #b9c9c4;padding:22px;border-radius:14px;transition:transform .2s,box-shadow .2s}.why-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px #122c3c14}.why-icon{width:40px;height:40px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;margin-bottom:16px;border:1.5px solid #c3d7cf}.why-card h3{font-size:16px;margin-bottom:8px}.why-card p{font-size:13px}.ways-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.ways-card{background:#fff;border:1.5px solid #b9c9c4;padding:24px;border-radius:14px;transition:transform .2s,box-shadow .2s}.ways-card:hover{transform:translateY(-4px);box-shadow:0 14px 35px #122c3c14}.ways-icon{width:40px;height:40px;background:#edf4f0;color:var(--green-dark);display:grid;place-items:center;border-radius:10px;margin-bottom:16px;border:1.5px solid #c3d7cf}.ways-card h3{font-size:17px;margin-bottom:8px}.ways-card p{font-size:14px}.ways-disclaimer{display:flex;align-items:center;gap:12px;max-width:760px;margin:30px auto 0;padding:18px 22px;background:#fdf6ec;border:1.5px solid #e8d9bf;border-radius:12px;font-size:14px;color:#8a6d2c}.ways-disclaimer svg{color:#c89630;flex:none}.trust-band-wide{grid-template-columns:repeat(4,1fr)!important}.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:900px;margin:0 auto}.comparison-side{padding:30px;border-radius:16px;border:1.5px solid #b9c9c4}.comparison-left{background:#f8f9f8}.comparison-right{background:#edf4f0;border-color:#c3d7cf}.comparison-label{display:flex;align-items:center;gap:10px;font:700 18px Manrope;margin-bottom:20px;color:var(--navy)}.comparison-left .comparison-label svg{color:#b87a6a}.comparison-right .comparison-label svg{color:var(--green)}.comparison-side ul{list-style:none;padding:0;margin:0;display:grid;gap:14px}.comparison-side li{display:flex;align-items:flex-start;gap:10px;font-size:15px;color:var(--navy);line-height:1.5}.comparison-left li:before{content:"—";color:var(--muted);font-weight:700;flex:none}.comparison-right li{position:relative;padding-left:28px}.comparison-right li:before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;background:var(--green);border-radius:50%}.comparison-right li:after{content:"";position:absolute;left:5px;top:9px;width:8px;height:4px;border-left:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg)}.comparison-note{text-align:center;font-size:14px;color:var(--muted);margin-top:24px}.calculator-cta-band{background:var(--navy);color:#fff;padding:29px 34px;margin-top:40px;display:flex;align-items:center;justify-content:space-between;gap:25px;border-radius:16px}.calculator-cta-band strong,.calculator-cta-band span{display:block}.calculator-cta-band strong{font:600 21px Manrope;margin-bottom:4px;color:#fff}.calculator-cta-band span{color:#b9c9cb;font-size:14px;max-width:500px}.final-cta-strong{background:linear-gradient(140deg,var(--navy-deep),var(--navy))}.light-kicker{color:#9ebba9!important}.sticky-mobile-cta{display:none}.estimator-hero{background:radial-gradient(circle at 88% 18%,rgba(111,149,130,.13),transparent 28%),var(--cream);padding-top:112px;padding-bottom:60px}.estimator-hero-inner{max-width:800px}.estimator-year-line{font-size:13px;color:var(--muted);margin:0}.estimator-year-line-hero{font-size:14px;color:var(--muted);margin:12px 0 0}.estimator-section{background:#f1f5f2;padding-top:30px}.estimator{max-width:100%}.estimator-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}.estimator-inputs{display:grid;gap:32px}.estimator-header h2{font-size:clamp(28px,3.5vw,42px)}.estimator-step{background:#fff;border:1.5px solid #b9c9c4;border-radius:16px;padding:28px}.estimator-step-label{font:700 11px Manrope;letter-spacing:.12em;text-transform:uppercase;color:var(--green);margin-bottom:12px}.estimator-step h3{font-size:20px;margin-bottom:14px}.estimator-step-sub{font-size:14px;color:var(--muted);margin-bottom:18px}.estimator-profit-input{display:flex;align-items:center;background:#fff;border:2px solid var(--green);border-radius:12px;max-width:340px}.estimator-profit-input span{font:600 24px Manrope;padding-left:16px;color:var(--muted)}.estimator-profit-input input{border:0;font:600 24px Manrope;padding:16px 10px;width:100%;outline:none;color:var(--navy)}.estimator-quick-examples{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}.chip-btn{padding:9px 16px;background:#edf4f0;border:1.5px solid #c3d7cf;border-radius:10px;font:600 13px Manrope;color:var(--navy);cursor:pointer;transition:all .15s}.chip-btn:hover{border-color:var(--green)}.chip-active{background:var(--green);color:#fff;border-color:var(--green)}.deduction-list{display:grid;gap:10px}.deduction-item{border:1.5px solid #dce4e1;border-radius:12px;overflow:hidden}.deduction-header{display:flex;align-items:center;justify-content:space-between;padding:14px 18px;cursor:pointer;-webkit-user-select:none;-moz-user-select:none;user-select:none}.deduction-label-row{display:flex;align-items:center;gap:10px;font:600 14px Manrope;color:var(--navy)}.deduction-label-row svg{color:var(--green)}.info-toggle{border:0;background:transparent;color:var(--muted);padding:4px;cursor:pointer;display:grid;place-items:center}.info-toggle:hover{color:var(--green)}.deduction-guidance{display:flex;gap:10px;padding:0 18px 14px 44px;font-size:13px;color:var(--muted);line-height:1.5}.deduction-guidance svg{color:var(--green-dark);flex:none;margin-top:2px}.deduction-input-row{display:flex;align-items:center;border-top:1px solid #edf1ef;padding:14px 18px;gap:8px}.deduction-input-row span{font:600 18px Manrope;color:var(--muted)}.deduction-input-row input{border:1.5px solid #b9c9c4;border-radius:10px;padding:12px;font:600 18px Manrope;color:var(--navy);width:100%;outline:none}.deduction-input-row input:focus{border-color:var(--green);box-shadow:0 0 0 3px #557d6b1f}.relief-toggle{display:flex;align-items:center;justify-content:space-between;width:100%;padding:14px 18px;background:#fff;border:1.5px solid #dce4e1;border-radius:12px;font:600 14px Manrope;color:var(--navy);cursor:pointer}.relief-toggle svg{color:var(--green);transition:transform .2s}.chev-rotate{transform:rotate(180deg)}.relief-options{margin-top:14px;display:grid;gap:10px}.relief-note{font-size:13px;color:var(--muted);margin-bottom:4px}.relief-chip{padding:11px 16px;background:#edf4f0;border:1.5px solid #c3d7cf;border-radius:10px;font:600 13px Manrope;color:var(--navy);cursor:pointer;text-align:left;transition:all .15s}.relief-chip:hover{border-color:var(--green)}.relief-active{background:var(--green);color:#fff;border-color:var(--green)}.relief-alert{display:flex;gap:10px;padding:16px 18px;background:#fdf6ec;border:1.5px solid #e8d9bf;border-radius:12px;font-size:13px;color:#8a6d2c;line-height:1.5}.relief-alert svg{color:#c89630;flex:none;margin-top:2px}.assoc-options{display:flex;gap:10px}.assoc-btn{padding:12px 24px;background:#edf4f0;border:1.5px solid #c3d7cf;border-radius:10px;font:600 14px Manrope;color:var(--navy);cursor:pointer;transition:all .15s}.assoc-btn:hover{border-color:var(--green)}.assoc-active{background:var(--green);color:#fff;border-color:var(--green)}.assoc-count-row{margin-top:18px;display:grid;gap:8px}.assoc-count-row label{font-size:13px;font-weight:700;color:var(--navy)}.assoc-count-row input{border:1.5px solid #b9c9c4;border-radius:10px;padding:12px;font-size:16px;color:var(--navy);outline:none;max-width:120px}.assoc-count-row input:focus{border-color:var(--green);box-shadow:0 0 0 3px #557d6b1f}.assoc-note{display:flex;gap:10px;margin-top:16px;padding:14px 18px;background:#edf4f0;border:1.5px solid #c3d7cf;border-radius:12px;font-size:13px;color:var(--muted);line-height:1.5}.assoc-note svg{color:var(--green-dark);flex:none;margin-top:2px}.period-row{display:flex;align-items:center;gap:14px;margin-bottom:16px}.period-row label{font-size:13px;font-weight:700;color:var(--navy)}.period-row select{border:1.5px solid #b9c9c4;border-radius:10px;padding:12px;font-size:16px;color:var(--navy);outline:none;max-width:100px}.period-row select:focus{border-color:var(--green)}.advanced-toggle{display:flex;align-items:center;gap:10px;padding:12px 18px;background:transparent;border:1.5px solid #dce4e1;border-radius:10px;font:600 13px Manrope;color:var(--navy);cursor:pointer;width:100%}.advanced-toggle svg{color:var(--green)}.advanced-dates{margin-top:14px;display:grid;gap:16px}.advanced-dates>div{display:grid;gap:8px}.advanced-dates label{font-size:13px;font-weight:700;color:var(--navy)}.advanced-dates input{border:1.5px solid #b9c9c4;border-radius:10px;padding:12px;font-size:14px;color:var(--navy);outline:none}.advanced-dates input:focus{border-color:var(--green)}.date-note{font-size:12px;color:var(--muted);margin:0}.estimator-disclaimer{font-size:12px;line-height:1.6;color:#879598;padding:20px 24px;background:#f8f9f8;border:1px solid var(--line);border-radius:12px}.estimator-results,.results-sticky{position:sticky;top:140px}.results-card{background:var(--navy);color:#fff;border-radius:20px;padding:32px;box-shadow:0 24px 60px #122c3c26}.results-head h3{color:#fff;font-size:22px;margin-bottom:0}.results-head .section-kicker{color:#9ebba9}.results-main-figure{margin:20px 0 24px;padding-bottom:24px;border-bottom:1px solid rgba(255,255,255,.15)}.results-amount{display:block;font:700 44px Manrope;color:#a7c5b4;line-height:1.1;transition:all .3s}.results-rate{display:block;font:600 14px Manrope;color:#bfced0;margin-top:8px}.results-breakdown{display:grid;gap:0}.results-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08);gap:16px}.results-row span{font-size:13px;color:#bfced0}.results-row strong{font:600 16px Manrope;color:#fff;text-align:right;white-space:nowrap}.results-row-highlight{background:#ffffff0d;margin:0 -12px;padding:14px 12px;border-radius:8px;border-bottom:1px solid rgba(255,255,255,.08)}.results-row-highlight span{color:#d6e1e2}.results-row-highlight strong{color:#a7c5b4}.results-row-total{border-bottom:0;padding-top:16px}.results-row-total span{color:#d6e1e2;font-weight:600}.results-row-total strong{color:#a7c5b4;font-size:20px}.band-scale{margin-top:28px;padding-top:24px;border-top:1px solid rgba(255,255,255,.15)}.band-labels{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-bottom:14px}.band-label{display:grid;gap:3px;text-align:center}.band-rate{font:700 16px Manrope}.band-small .band-rate{color:#9ebba9}.band-marginal .band-rate{color:#c4b89a}.band-main .band-rate{color:#d4a8a0}.band-desc{font-size:11px;color:#bfced0}.band-threshold{font-size:10px;color:#8ba0a2}.band-bar{display:flex;height:10px;border-radius:5px;overflow:visible;position:relative;margin-bottom:8px}.band-segment{height:100%}.band-seg-small{background:#557d6b;flex:1;border-radius:5px 0 0 5px}.band-seg-marginal{background:#9e8a6a;flex:2}.band-seg-main{background:#a0655b;flex:1;border-radius:0 5px 5px 0}.band-marker{position:absolute;top:-8px;transform:translate(-50%);transition:left .3s}.band-marker-line{width:2px;height:26px;background:#fff;margin:0 auto}.band-marker-dot{width:12px;height:12px;background:#fff;border-radius:50%;margin:-3px auto 0;box-shadow:0 0 0 3px #ffffff40}.band-axis{display:flex;justify-content:space-between;font-size:10px;color:#8ba0a2;margin-bottom:16px}.band-explanation{font-size:12px;color:#bfced0;line-height:1.5;padding:14px 16px;background:#ffffff0d;border-radius:10px;margin-top:14px}.results-cta{margin-top:28px;padding-top:24px;border-top:1px solid rgba(255,255,255,.15)}.results-cta-text{margin-bottom:18px}.results-cta-text strong{display:block;font:600 17px Manrope;color:#fff;margin-bottom:8px;line-height:1.3}.results-cta-text span{font-size:13px;color:#bfced0;line-height:1.5}.results-cta .button{width:100%;margin-bottom:10px}.results-email-btn{background:transparent;border:1.5px solid rgba(255,255,255,.25);color:#fff}.results-email-btn:hover{background:#ffffff14}.calc-steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.calc-step-card{background:#fff;border:1.5px solid #b9c9c4;padding:24px;border-radius:14px}.calc-step-num{font:700 14px Manrope;color:var(--green);display:block;margin-bottom:18px}.calc-step-card h3{font-size:17px;margin-bottom:8px}.calc-step-card p{font-size:14px}.estimator-lead-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:start}.estimator-lead-copy h2{font-size:clamp(28px,3.5vw,42px)}.estimator-trust{display:flex;flex-wrap:wrap;gap:16px;margin-top:24px}.estimator-trust span{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:600;color:var(--navy)}.estimator-trust svg{color:var(--green)}@media (max-width:980px){.desktop-nav{gap:14px}.desktop-nav button{font-size:12px}.hero-grid,.section-heading{gap:40px}.steps-grid{grid-template-columns:repeat(2,1fr)}.scenario-grid,.calculator-grid{gap:45px}.review-grid,.steps-five{grid-template-columns:repeat(3,1fr)}.trust-band,.relief-grid{grid-template-columns:repeat(2,1fr)}.journey-timeline{grid-template-columns:repeat(4,1fr);gap:20px 0}.interaction-grid{grid-template-columns:repeat(3,1fr)}.profit-grid,.why-grid,.ways-grid{grid-template-columns:repeat(2,1fr)}.trust-band-wide{grid-template-columns:repeat(3,1fr)!important}.calc-steps-grid{grid-template-columns:repeat(2,1fr)}.estimator-layout{grid-template-columns:1fr}.estimator-results,.results-sticky{position:static}.estimator-lead-grid{grid-template-columns:1fr;gap:30px}}@media (max-width:760px){.container{width:min(100% - 32px,600px)}.section-pad{padding:70px 0}.header-inner{min-height:110px}.brand img{width:300px;height:88px}.desktop-nav{display:none;position:absolute;left:16px;right:16px;top:110px;background:#fff;padding:15px 18px;box-shadow:0 15px 35px #112d411f;flex-direction:column;align-items:stretch;gap:2px;border:1px solid var(--line);border-radius:12px}.desktop-nav.open{display:flex}.desktop-nav button{text-align:left;padding:13px 0;font-size:14px;border-bottom:1px solid #edf1ef}.desktop-nav button:last-child{border:0}.header-cta{display:none}.menu-toggle{display:block}.hero{padding-top:68px}.hero-grid,.section-heading,.broker-grid,.two-col-info,.scenario-grid,.calculator-grid,.final-inner{grid-template-columns:1fr}.hero h1{font-size:44px}.hero-copy .hero-lead{font-size:18px}.lead-card{padding:23px;margin-top:10px}.stat-grid{grid-template-columns:1fr}.stat-grid>div,.stat-grid>div:first-child{border-left:0;border-right:0;border-bottom:1px solid rgba(255,255,255,.15);padding:17px 0}.stat-grid>div:last-child{border-bottom:0}.section-heading{gap:15px;margin-bottom:30px}.section-heading>p{font-size:15px}.problem-grid{grid-template-columns:1fr 1fr}.problem-card{min-height:auto;padding:20px}.problem-card h3{font-size:17px}.card-number{margin-bottom:22px}.inline-cta{display:block;padding:25px}.inline-cta .button{margin-top:20px;width:100%}.options-list summary,.faq-list summary{font-size:16px;padding:19px 0}.options-list details p,.faq-list details p{font-size:14px;padding-right:0}.steps-grid{grid-template-columns:1fr;gap:27px}.step>span{margin-bottom:12px}.broker-grid{gap:20px}.info-block{padding:25px}.fit-grid{grid-template-columns:1fr}.scenario-card,.calculator-card{padding:24px}.calculator-card strong{font-size:21px}.final-actions{align-items:stretch}.footer-inner{display:grid;gap:12px}.footer-inner img{width:260px;height:76px}.footer-inner span:last-child{margin-left:0}.hero-actions{align-items:stretch;display:flex;flex-direction:column}.hero-actions .button{width:100%}.hero-actions .text-button{justify-content:center}.trust-row{gap:10px;flex-direction:column}.review-grid{grid-template-columns:1fr 1fr}.steps-five,.trust-band{grid-template-columns:1fr}.review-card{padding:18px}.relief-grid{grid-template-columns:1fr}.savings-list summary{font-size:16px;padding:19px 0}.savings-list details p{padding-right:0;font-size:14px}.savings-card-head{gap:12px}.journey-timeline{grid-template-columns:1fr;gap:20px}.journey-step{flex-direction:row;align-items:flex-start;text-align:left;gap:14px}.journey-step:not(:last-child) .journey-number:after{display:none}.interaction-grid{grid-template-columns:repeat(2,1fr)}.profit-grid,.audience-grid,.why-grid,.ways-grid{grid-template-columns:1fr}.trust-band-wide{grid-template-columns:repeat(2,1fr)!important}.comparison-grid{grid-template-columns:1fr}.calculator-cta-band{flex-direction:column;align-items:stretch;text-align:left}.calculator-cta-band .button{width:100%;margin-top:16px}.sticky-mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;z-index:30;padding:12px 16px;background:#fff;box-shadow:0 -6px 20px #122c3c1f;border-top:1px solid var(--line)}.sticky-cta-btn{width:100%}.site-shell{padding-bottom:64px}.calc-steps-grid{grid-template-columns:1fr}.band-labels{grid-template-columns:1fr;gap:12px}.band-label{text-align:left;flex-direction:row;align-items:center;gap:8px}.estimator-profit-input{max-width:100%}.results-amount{font-size:36px}.estimator-step{padding:22px}}@media (max-width:420px){.header-cta{display:none}.hero h1{font-size:39px}.problem-grid{grid-template-columns:1fr}.question-callout strong{font-size:20px}.brand img{width:240px;height:70px}.header-inner{min-height:90px}.desktop-nav{top:90px}.footer-inner img{width:220px;height:64px}.lead-card h2{font-size:21px}.info-block h2{font-size:24px}.calculator-card strong{font-size:18px}.calculator-input>div span{font-size:16px}.calculator-input input{font-size:17px}}