:root{--blue:#0877ee;--blue2:#1267d8;--navy:#06264b;--light:#edf7ff;--border:#cfe4fb;--text:#0a2850;--muted:#5d7593}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff}a{text-decoration:none;color:inherit}.wrap{max-width:1180px;margin:auto;padding:0 22px}
.header{background:#fff;border-bottom:1px solid #e8f0f8;position:sticky;top:0;z-index:30}.header-inner{height:78px;display:flex;align-items:center;gap:28px}.logo{width:180px;height:auto}.nav{display:flex;align-items:center;gap:25px;font-size:14px;font-weight:700;flex:1;justify-content:center}.nav a{padding:28px 0;position:relative}.nav a.active{color:var(--blue)}.nav a.active:after{content:"";position:absolute;bottom:18px;left:0;right:0;height:3px;background:var(--blue);border-radius:3px}.get-help{background:var(--blue);color:#fff!important;padding:12px 19px!important;border-radius:7px;white-space:nowrap}.independent{background:#f5f8fc;border-bottom:1px solid #e1eaf4;padding:9px 0;font-size:12px;color:#536b86}.independent strong{margin-right:18px}
.hero{background:linear-gradient(115deg,#dff1ff 0%,#eff8ff 48%,#d9edff 100%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:48% 52%;min-height:300px;align-items:center}.hero-copy{padding:32px 0 28px}.eyebrow{font-size:14px;letter-spacing:.08em;font-weight:800;color:#064a9f;margin-bottom:12px}.hero h1{font-size:48px;line-height:1.03;margin:0 0 14px;max-width:610px}.hero h1 span{color:var(--blue)}.hero p{font-size:18px;line-height:1.5;max-width:590px;margin:0 0 22px;color:#173c68}.hero-buttons{display:flex;gap:16px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border-radius:7px;padding:14px 23px;font-weight:800;border:1px solid transparent;cursor:pointer;font-size:15px}.btn-primary{background:var(--blue);color:#fff}.btn-outline{background:#fff;color:#0b4384;border-color:#1476e8}.hero-visual{height:300px;overflow:hidden;display:flex;align-items:flex-end;justify-content:flex-end}.hero-visual img{width:100%;height:100%;object-fit:cover;object-position:center}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:13px 0;background:#fff}.trust-item{display:flex;align-items:center;gap:10px;font-size:13px;font-weight:800}.round-icon{width:34px;height:34px;border-radius:50%;background:#0877ee;color:#fff;display:grid;place-items:center;font-size:17px;flex:none}
.section{padding:32px 0}.section.light{background:#edf7ff}.section-title{text-align:center;margin:0 0 20px;font-size:25px}.section-sub{text-align:center;color:#55708f;margin:-8px auto 20px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;align-items:stretch}.step{background:#fff;border:1px solid var(--border);border-radius:7px;padding:18px 15px;text-align:center;position:relative;box-shadow:0 4px 12px rgba(24,91,153,.05)}.step-num{width:28px;height:28px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:grid;place-items:center;margin:-32px auto 8px;border:3px solid #fff}.step-icon{font-size:34px;color:var(--blue);margin:5px 0}.step h3{font-size:15px;margin:7px 0}.step p{font-size:12px;line-height:1.4;color:#58708c;margin:0}.step:not(:last-child):after{content:'→';position:absolute;right:-27px;top:50%;color:var(--blue);font-size:28px;font-weight:700;z-index:2}
.brands{display:grid;grid-template-columns:repeat(10,1fr);gap:8px}.brand{background:#fff;border:1px solid var(--border);border-radius:6px;padding:10px 6px;text-align:center;min-height:74px;display:flex;flex-direction:column;justify-content:center;align-items:center;gap:5px;font-size:11px}.brand img{max-width:55px;max-height:28px;object-fit:contain}.brand:hover{border-color:var(--blue);box-shadow:0 5px 14px rgba(0,110,240,.12)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:center}.two-col h2{font-size:27px;margin:0 0 10px}.two-col p{line-height:1.55;color:#355879}.feature-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:18px}.feature{text-align:center}.feature .round-icon{margin:auto}.feature strong{display:block;margin-top:7px;font-size:13px}.media{width:100%;border-radius:7px;display:block;max-height:235px;object-fit:cover}
.issue-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.issue{border:1px solid var(--border);border-radius:7px;text-align:center;padding:17px 9px;background:#fff}.issue .round-icon{margin:auto}.issue strong{font-size:12px;display:block;margin-top:8px}.issue p{font-size:11px;color:#607995;margin:4px 0 0}
.help-banner{background:linear-gradient(100deg,#0b84f4,#0870dc);border-radius:7px;color:#fff;padding:16px 22px;display:flex;align-items:center;gap:20px}.help-banner img{width:95px;height:75px;object-fit:cover;border-radius:50%}.help-banner .help-copy{flex:1}.help-banner h2{margin:0 0 4px;font-size:21px}.help-banner p{margin:0;font-size:12px;opacity:.95}.help-banner .btn{background:#fff;color:#0a56ae}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px 26px}.faq{border:1px solid var(--border);border-radius:5px;padding:9px 13px;font-size:12px;background:#fff;cursor:pointer;display:flex;justify-content:space-between}.faq span:last-child{color:var(--blue);font-weight:900}.faq-answer{display:none;padding:8px 13px;font-size:12px;color:#5c738f}.faq.open .faq-answer{display:block}.faq.open{display:block}.faq.open>div:first-child{display:flex;justify-content:space-between}
.footer{background:#052747;color:#fff;padding:32px 0 12px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1.4fr 1fr;gap:30px}.footer-logo{width:175px;filter:brightness(0) invert(1);margin-bottom:10px}.footer p,.footer a{font-size:11px;color:#c7d8ea;line-height:1.55}.footer h3{font-size:13px;margin:4px 0 10px}.copy{border-top:1px solid rgba(255,255,255,.2);margin-top:20px;padding-top:10px;font-size:10px;color:#a9bfd6}
.chat-pill{position:fixed;right:25px;bottom:20px;background:var(--blue);color:#fff;padding:13px 20px;border-radius:30px;font-weight:800;z-index:50;box-shadow:0 8px 22px rgba(0,90,190,.25)}
.modal{position:fixed;inset:0;background:rgba(0,24,55,.48);display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.modal.show{display:flex}.modal-box{width:min(480px,100%);background:#fff;border-radius:12px;padding:24px;box-shadow:0 20px 60px rgba(0,0,0,.25);position:relative}.modal-box h2{margin:0 0 5px}.modal-box p{color:#617892;font-size:13px}.close{position:absolute;right:15px;top:10px;border:0;background:none;font-size:27px;cursor:pointer}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field.full{grid-column:1/-1}.field label{display:block;font-size:12px;font-weight:800;margin-bottom:5px}.field input,.field select{width:100%;padding:11px;border:1px solid #cbdced;border-radius:6px;font:inherit}.form-submit{width:100%;margin-top:14px}.success{display:none;text-align:center;padding:20px}.success h3{color:#0877ee}
@media(max-width:900px){.nav{gap:12px;font-size:12px}.header-inner{gap:10px}.hero h1{font-size:38px}.brands{grid-template-columns:repeat(5,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.step:nth-child(2):after{display:none}.issue-grid{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.two-col{grid-template-columns:1fr}}
@media(max-width:650px){.header-inner{height:auto;padding:12px 18px;flex-wrap:wrap}.nav{order:3;width:100%;overflow:auto;justify-content:flex-start}.nav a{padding:9px 0;white-space:nowrap}.nav a.active:after{bottom:2px}.independent{font-size:10px}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:28px 0}.hero h1{font-size:34px}.hero-visual{height:220px}.trust{grid-template-columns:1fr}.steps,.issue-grid,.faq-grid{grid-template-columns:1fr}.step:not(:last-child):after{display:none}.brands{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}}