/* TW Leads: page styles for the pension pages and the thank-you page. Ported line for line from mockup v13 (docs/reference/mockups/v3/assemble.py CSS plus menu.py CSS), without the mockup toolbar. Hanken Grotesk is self-hosted: one variable woff2 (latin subset) covers weights 400 to 800. */
@font-face{font-family:'Hanken Grotesk';font-style:normal;font-weight:400 800;font-display:swap;src:url(../fonts/hanken-grotesk-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

/* Service page layout, v11: white header with the blue logo, a compact inset navy hero with the breadcrumb, headline, buttons and proof pills, the form in its own light section, then reviews, steps, team and the service cards before the long-form guide; the Shane quote sits under the guide, the FAQ runs two-column, related posts on a tinted arc background, closing band and a footer with the circle motif. Warm off-white page, large radii, one typeface (Hanken Grotesk). */
:root{
  --bg:#F7F6F2; --paper:#FFFFFF; --tint:#EDF2F6; --tint-1:#F1F4F7; --tint-2:#DCE5EE;
  --ink:#0B2341; --ink-2:#12324F; --ink-soft:#3D4B63; --muted:#6B7A90; --line:#E4E6E9;
  --brand:#066AAB; --brand-deep:#044A7A; --brand-soft:#E8F3FB; --sky:#8FCDF0; --glow:rgba(6,106,171,.16);
  --amber:#F5B84A; --success:#22B573; --success-soft:#E3F7EC; --error:#D43F3F;
  --on-navy:#FFFFFF; --on-navy-soft:#C6D6EA; --on-navy-muted:#8FA6C4;
  --font:'Hanken Grotesk',ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif;
  --r:18px; --r-lg:28px; --r-xl:36px;
  --shadow-card:0 2px 4px rgba(11,35,65,.06),0 30px 60px -24px rgba(11,35,65,.32);
  --shadow-soft:0 1px 2px rgba(11,35,65,.04),0 14px 34px -18px rgba(11,35,65,.16);
  --shadow-hover:0 2px 4px rgba(11,35,65,.05),0 26px 50px -22px rgba(11,35,65,.3);
  color-scheme:light;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased}
body.tw-page{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-size:17px;line-height:1.55;font-weight:400;-webkit-font-smoothing:antialiased}
.tw-page button,.tw-page input,.tw-page select,.tw-page textarea{font-family:var(--font)}
img{max-width:100%;display:block}
a{color:var(--brand)}
h1,h2,h3{font-family:var(--font);line-height:1.08;letter-spacing:-.025em;margin:0;text-wrap:balance}
h1{font-size:clamp(36px,4.6vw,56px);font-weight:800}
h2{font-size:clamp(28px,3.2vw,40px);font-weight:800}
h3{font-size:20px;font-weight:700}
p{margin:0}
.wrap{max-width:1200px;margin:0 auto;padding-inline:20px}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--brand)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:16px;padding:14px 24px;border-radius:999px;border:0;cursor:pointer;text-decoration:none;transition:transform .15s ease,background .15s ease,box-shadow .15s ease,color .15s;min-height:50px;white-space:nowrap;font-family:var(--font)}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 10px 24px -10px rgba(6,106,171,.7)}
.btn-primary:hover{background:var(--brand-deep);transform:translateY(-1px)}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:var(--brand-soft)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-outline{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-outline:hover{border-color:#fff;background:rgba(255,255,255,.08)}
:is(.btn,.opt,input,select,summary,.back):focus-visible{outline:3px solid var(--glow);outline-offset:2px}

/* attention ring: a bright arc travels around the button, with a soft pulse behind it */
.glow{position:relative;display:inline-flex;border-radius:999px;padding:3px;overflow:hidden;isolation:isolate;--halo:rgba(6,106,171,.42);animation:halo 2.8s ease-out infinite}
.glow::before{content:"";position:absolute;left:50%;top:50%;width:300%;aspect-ratio:1/1;border-radius:50%;background:conic-gradient(from 0deg,transparent 0 56%,var(--sky) 74%,#fff 84%,transparent 100%);transform:translate(-50%,-50%) rotate(0deg);animation:ringspin 2.8s linear infinite;z-index:-1}
.glow .btn{box-shadow:none}
.on-navy .glow,.hero .glow{--halo:rgba(143,205,240,.45)}
@keyframes ringspin{to{transform:translate(-50%,-50%) rotate(360deg)}}
@keyframes halo{0%{box-shadow:0 0 0 0 var(--halo)}70%{box-shadow:0 0 0 16px rgba(0,0,0,0)}100%{box-shadow:0 0 0 0 rgba(0,0,0,0)}}

/* ---------- top bar + header; the header turns into a compact fixed bar once you scroll ---------- */
.topbar{background:var(--ink);color:var(--on-navy-soft);font-size:13.5px;font-weight:500}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:40px}
.topbar .tb-l{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.topbar a,.topbar span{display:inline-flex;align-items:center;gap:7px;color:inherit;text-decoration:none}
.topbar a:hover{color:#fff}
.topbar svg{width:15px;height:15px;color:var(--sky)}
.topbar .tb-r{display:inline-flex;align-items:center;gap:7px;color:#fff;font-weight:700}
.topbar .stars svg{width:13px;height:13px;fill:var(--amber)}
.sham svg{color:var(--success) !important;fill:var(--success)}
@media (max-width:900px){.topbar .tb-r,.topbar .tb-l span{display:none}}
@media (max-width:600px){.topbar{display:none}}
.hdr-slot{height:auto;position:relative;z-index:50}
.hdr{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:50}
.hdr.stuck{position:fixed;top:0;left:0;right:0;box-shadow:0 12px 30px -18px rgba(11,35,65,.35);background:#fff}
.admin-bar .hdr.stuck{top:32px}
@media (max-width:782px){.admin-bar .hdr.stuck{top:46px}}
.hdr.stuck .wrap{min-height:64px}
.hdr.stuck .logo img{height:34px}
@media (max-width:700px){.hdr .wrap{min-height:66px}.hdr .logo img{height:34px}}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:78px}
.hdr .logo{display:inline-flex;align-items:center;text-decoration:none}
.hdr .logo img{height:40px;width:auto}
.nav{display:flex;gap:28px;align-items:center}
.nav a{color:var(--ink-soft);text-decoration:none;font-weight:600;font-size:15px;padding:6px 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}
.nav a:hover,.nav a[aria-current]{color:var(--brand);border-color:var(--brand)}
.hdr-right{display:flex;align-items:center;gap:18px}
.hdr .phone{font-weight:700;color:var(--ink);text-decoration:none;font-size:15px;display:inline-flex;align-items:center;gap:8px}
.hdr .phone svg{width:18px;height:18px;color:var(--brand)}
.hdr .phone:hover{color:var(--brand)}
.hdr .btn{padding:11px 20px;font-size:15px;min-height:44px}
.burger{display:none;background:none;border:0;width:42px;height:42px;padding:9px;cursor:pointer;flex-direction:column;justify-content:space-between}
.burger span{display:block;height:2px;background:var(--ink);border-radius:2px}
.burger span{transition:transform .2s ease,opacity .2s ease}
.hdr.open .burger span:nth-child(1){transform:translateY(11px) rotate(45deg)}
.hdr.open .burger span:nth-child(2){opacity:0}
.hdr.open .burger span:nth-child(3){transform:translateY(-11px) rotate(-45deg)}
.mclose{display:none;width:100%;align-items:center;justify-content:flex-end;gap:8px;background:var(--brand-soft);border:0;border-bottom:1px solid var(--line);padding:12px 20px;font:inherit;font-weight:700;font-size:14px;color:var(--brand);cursor:pointer}
.mclose svg{width:20px;height:20px}
.mnav{display:none;flex-direction:column;background:var(--paper);border-top:1px solid var(--line)}
.mnav a{color:var(--ink);text-decoration:none;padding:14px 20px;font-weight:600;border-bottom:1px solid var(--line)}
.mnav a.strong{margin:14px 20px 18px;background:var(--brand);color:#fff;border-radius:999px;text-align:center;padding:14px 20px;border:0;font-weight:700;box-shadow:0 10px 24px -10px rgba(6,106,171,.7)}
.hdr.open .mnav{display:flex;position:absolute;left:0;right:0;top:100%;height:calc(100dvh - var(--hdr-h,79px));overflow-y:auto;-webkit-overflow-scrolling:touch;overscroll-behavior:contain;z-index:70;padding-bottom:60px;box-shadow:0 30px 60px -30px rgba(11,35,65,.4)}
body.menu-open{overflow:hidden}
body.menu-open .mcta{display:none}
@media (max-width:1100px){.nav{display:none}.burger{display:flex}.hdr .phone{display:none}}
@media (max-width:700px){.hdr .glow{display:none}}

/* ---------- hero: compact, inset, image on the right ---------- */
.hero{position:relative;margin:14px 16px 0;border-radius:var(--r-xl);background:var(--ink);color:var(--on-navy);overflow:hidden;isolation:isolate;min-height:540px;display:grid;align-items:center}
.hero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:78% center;z-index:-2}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(to right,rgba(11,35,65,.97) 0%,rgba(11,35,65,.9) 40%,rgba(11,35,65,.5) 70%,rgba(11,35,65,.28) 100%)}
.hero .wrap{padding-block:60px 56px;width:100%}
.hero-copy{max-width:640px}
.crumb{display:flex;gap:10px;align-items:center;font-size:14px;color:var(--on-navy-soft);font-weight:600;flex-wrap:wrap}
.crumb a{color:var(--sky);text-decoration:none}
.crumb a:hover{text-decoration:underline}
.crumb svg{width:14px;height:14px;opacity:.7}
.hero h1{margin-top:18px;color:#fff;max-width:14ch}
.hero .sub{font-size:19px;color:var(--on-navy-soft);max-width:34rem;margin-top:18px;line-height:1.5}
.hero .cta-row{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-top:28px}
.proof{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px}
.ppill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);border-radius:999px;padding:8px 14px;font-size:14px;font-weight:700;color:#fff;backdrop-filter:blur(6px)}
.ppill .stars{display:inline-flex;gap:1px}
.ppill .stars svg{width:14px;height:14px;fill:var(--amber)}
.ppill small{font-weight:500;color:var(--on-navy-soft);font-size:13px}
.ppill .g{display:inline-flex}
.ppill .g svg{width:15px;height:15px}
.ppill .pic{display:inline-flex;width:18px;height:18px;color:var(--sky)}
.ppill .pic svg{width:18px;height:18px}
.ppill .pic.sham{color:var(--success)}
@media (max-width:700px){.hero{margin:8px 8px 0;border-radius:24px;min-height:0}.hero .wrap{padding-block:44px 40px}.hero::after{background:linear-gradient(to top,rgba(11,35,65,.98) 0%,rgba(11,35,65,.92) 60%,rgba(11,35,65,.55) 100%)}.hero .bg{object-position:70% top}}

/* ---------- form section ---------- */
.formsec{padding-block:72px 64px}
.formgrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,520px);gap:56px;align-items:start}
.formcopy{max-width:520px;position:sticky;top:100px}
.formcopy h2{margin-top:12px}
.formcopy p{color:var(--ink-soft);font-size:18px;margin-top:14px}
.trust{display:flex;flex-direction:column;gap:12px;margin:26px 0 0;padding:0;list-style:none}
.trust li{display:flex;align-items:center;gap:10px;font-size:16px;color:var(--ink-soft);font-weight:500}
.tick{width:22px;height:22px;border-radius:50%;background:var(--success-soft);display:inline-grid;place-items:center;flex:none}
.tick svg{width:12px;height:12px}
.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.badge{display:flex;align-items:center;gap:12px;background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:9px 20px 9px 9px;box-shadow:var(--shadow-soft);transition:transform .25s,box-shadow .25s}
.badge:hover{transform:translateY(-3px);box-shadow:var(--shadow-hover)}
.badge .bi{width:42px;height:42px;border-radius:50%;background:var(--brand-soft);display:grid;place-items:center;color:var(--brand);flex:none}
.badge .bi svg{width:20px;height:20px}
.badge .bi.g{background:#fff;border:1px solid var(--line)}
.badge b{display:flex;align-items:center;gap:6px;font-size:21px;font-weight:800;line-height:1.05;letter-spacing:-.02em;color:var(--ink)}
.badge b em{display:inline-flex;gap:1px;font-style:normal}
.badge b em svg{width:12px;height:12px;fill:var(--amber)}
.badge span{display:block;font-size:12.5px;color:var(--muted);font-weight:600;margin-top:2px}
.card-foot .sham{display:inline-flex}.card-foot .sham svg{width:14px;height:14px}
@media (max-width:980px){.formsec{padding-block:48px}.formgrid{grid-template-columns:1fr;gap:28px}.formcopy{position:static;max-width:none}}

/* ---------- form card ---------- */
.card{background:var(--paper);color:var(--ink);border-radius:var(--r-lg);box-shadow:var(--shadow-card);overflow:hidden;position:relative;min-width:0;border:1px solid var(--line)}
.card-head{padding:22px 26px 0;display:flex;justify-content:space-between;align-items:center;gap:12px}
.card-head .eyebrow{font-size:11px}
.stepctr{font-size:13px;color:var(--muted);font-variant-numeric:tabular-nums;font-weight:500}
.progress{display:flex;gap:5px;margin:14px 26px 0}
.progress i{flex:1;height:5px;border-radius:5px;background:var(--tint-2);transition:background .35s}
.progress i.on{background:var(--brand)}
.stage{position:relative;overflow:hidden;min-height:470px;transition:height .35s cubic-bezier(.2,.7,.2,1)}
.step{position:absolute;left:0;right:0;top:0;padding:22px 26px 24px;display:flex;flex-direction:column;gap:14px;transition:transform .42s cubic-bezier(.2,.7,.2,1),opacity .32s ease;will-change:transform}
.step[data-pos="right"]{transform:translateX(102%);opacity:0;pointer-events:none}
.step[data-pos="left"]{transform:translateX(-102%);opacity:0;pointer-events:none}
.step[data-pos="on"]{transform:none;opacity:1}
.step h3{font-size:24px;font-weight:800;letter-spacing:-.02em}
.step .hint{color:var(--muted);font-size:15px}
.opts{display:grid;gap:10px;margin-top:2px}
.opt{display:flex;align-items:center;justify-content:space-between;gap:12px;text-align:left;width:100%;background:var(--paper);border:1.5px solid var(--line);border-radius:var(--r);padding:14px 16px;font:inherit;font-size:16px;font-weight:700;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s,transform .15s,box-shadow .15s}
.opt .txt{display:flex;flex-direction:column;gap:2px;min-width:0}
.opt small{font-weight:400;color:var(--muted);font-size:13.5px}
.opt .arrow{width:22px;height:22px;flex:none;color:var(--brand);opacity:0;transform:translateX(-4px);transition:opacity .15s,transform .15s}
.opt:hover{border-color:var(--brand);background:var(--brand-soft);transform:translateY(-1px)}
.opt:hover .arrow{opacity:1;transform:none}
.opt[aria-pressed="true"]{border-color:var(--brand);background:var(--brand);color:#fff;box-shadow:0 0 0 4px var(--glow)}
.opt[aria-pressed="true"] small{color:rgba(255,255,255,.8)}
.opt[aria-pressed="true"] .arrow{color:#fff;opacity:1;transform:none}
.opts.two{grid-template-columns:1fr 1fr}
@media (max-width:420px){.opts.two{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}
.field label{font-size:13.5px;font-weight:700;color:var(--ink-soft)}
.field input{font:inherit;font-size:16px;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;background:var(--paper);color:var(--ink);width:100%}
.field input:focus{border-color:var(--brand)}
.field .err{font-size:13px;color:var(--error);display:none}
.field.bad input{border-color:var(--error)}
.field.bad .err{display:block}
.phonewrap{display:flex;gap:8px}
.phonewrap .dial{flex:none;display:inline-flex;align-items:center;gap:6px;font:inherit;font-size:15px;font-weight:600;padding:0 12px;border:1.5px solid var(--line);border-radius:12px;background:var(--tint);color:var(--ink);white-space:nowrap;min-width:84px;overflow:visible;line-height:1}
.phonewrap .dial svg{flex:none;border-radius:2px;box-shadow:0 0 0 1px rgba(11,35,65,.12)}
.fld{display:grid;gap:8px}
.fld .lbl{font-size:14px;font-weight:700;color:var(--ink-soft)}
.fld .lbl small{font-weight:400;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{font:inherit;font-size:14.5px;font-weight:600;padding:10px 14px;border-radius:999px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s,color .15s}
.chip:hover{border-color:var(--brand);background:var(--brand-soft)}
.chip[aria-pressed="true"]{background:var(--brand);border-color:var(--brand);color:#fff}
.fld input,.fld textarea{font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:var(--paper);color:var(--ink);width:100%}
.fld textarea{min-height:74px;resize:vertical}
.fld input:focus,.fld textarea:focus{border-color:var(--brand)}
.fld.bad .lbl{color:var(--error)}
.step .fields{display:grid;gap:16px}
.summary{width:100%;text-align:left;margin-top:8px;border-top:1px solid var(--line);padding-top:14px;display:grid;gap:6px;font-size:13.5px;max-height:220px;overflow:auto}
.summary div{display:flex;justify-content:space-between;gap:14px}
.summary span{color:var(--muted)}
.summary b{font-weight:600;text-align:right}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--muted)}
.consent input{margin-top:3px;width:18px;height:18px;accent-color:var(--brand)}
.actions{display:flex;gap:10px;align-items:center;margin-top:auto;padding-top:6px}
.back{background:none;border:0;color:var(--muted);font:inherit;font-size:14px;cursor:pointer;display:inline-flex;align-items:center;gap:6px;padding:8px 4px;border-radius:8px}
.back:hover{color:var(--ink)}
.btn-submit{flex:1;position:relative;overflow:hidden}
.btn-submit .lbl{transition:opacity .2s}
.btn-submit.busy .lbl{opacity:0}
.btn-submit.busy::after{content:"";position:absolute;inset:0;margin:auto;width:20px;height:20px;border:2.5px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.done{text-align:center;padding:40px 26px 30px;display:none;flex-direction:column;align-items:center;gap:12px}
.done.show{display:flex}
.done .ring{width:78px;height:78px;border-radius:50%;background:var(--success-soft);display:grid;place-items:center}
.done .ring svg{width:40px;height:40px}
.done .ring path{stroke:var(--success);stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round}
.done h3{font-size:24px;font-weight:800}
.done p{color:var(--ink-soft);max-width:26rem}
.done .ref{font-size:13px;color:var(--muted);font-variant-numeric:tabular-nums}
.card-foot{border-top:1px solid var(--line);padding:12px 26px;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;color:var(--muted);gap:10px 16px;flex-wrap:wrap}
.card-foot span{display:inline-flex;align-items:center;gap:6px}
.card-foot .cfcall{display:inline-flex;align-items:center;gap:6px;color:var(--ink);text-decoration:none;font-weight:700;font-size:13px}
.card-foot .cfcall svg{width:14px;height:14px;color:var(--brand)}
.card-foot .cfcall:hover{color:var(--brand)}

/* ---------- sections ---------- */
section{padding-block:64px}
.strip{background:var(--paper);border-block:1px solid var(--line);padding-block:22px}
.strip .wrap{display:flex;flex-wrap:wrap;gap:14px 36px;justify-content:center;align-items:center}
.strip .lbl{color:var(--muted);font-weight:600;font-size:12px;letter-spacing:.1em;text-transform:uppercase;flex:none}
.strip img{height:28px;width:auto;max-width:150px;object-fit:contain;filter:grayscale(1);opacity:.6;transition:filter .2s,opacity .2s}
.strip img:hover{filter:none;opacity:1}
@media (max-width:600px){.strip img{height:22px;max-width:110px}}
.sec-head{display:grid;gap:12px;max-width:62ch}
.sec-head p{color:var(--ink-soft);font-size:18px}
.cta-band{display:flex;gap:12px;align-items:center;justify-content:center;flex-wrap:wrap;margin-top:36px}
.cta-band .btn-ghost{border-color:var(--line)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.stepcard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px 30px;box-shadow:var(--shadow-soft);position:relative;overflow:hidden;min-width:0;transition:transform .25s,box-shadow .25s}
.stepcard:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.stepcard .n{font-weight:800;font-size:64px;line-height:1;color:var(--tint-2);letter-spacing:-.04em}
.stepcard h3{margin-top:14px;font-size:21px}
.stepcard p{color:var(--ink-soft);margin-top:10px;font-size:16px}
.stepcard .bar{position:absolute;left:26px;right:26px;bottom:0;height:4px;background:var(--brand);border-radius:4px 4px 0 0;transform:scaleX(0);transform-origin:left;transition:transform .9s cubic-bezier(.2,.7,.2,1)}
.stepcard.in .bar{transform:scaleX(1)}
.stepcard:nth-child(2).in .bar{transition-delay:.2s}.stepcard:nth-child(3).in .bar{transition-delay:.4s}
@media (max-width:820px){.steps{grid-template-columns:1fr}}
.panel{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-soft);padding:clamp(26px,4vw,52px);display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:40px;align-items:start}
@media (max-width:860px){.panel{grid-template-columns:1fr;gap:28px}}
.prose{max-width:62ch;color:var(--ink-soft);font-size:17px;min-width:0}
.prose h2{color:var(--ink);margin-bottom:16px;font-size:clamp(24px,2.8vw,32px)}
.prose p+p{margin-top:12px}
.prose ul{margin:16px 0 0;padding-left:0;list-style:none;display:grid;gap:10px}
.prose li{display:flex;gap:10px;align-items:flex-start}
.prose li .tick{margin-top:2px}
.example{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:26px 26px 22px;position:relative;overflow:hidden;min-width:0}
.example::before{content:"";position:absolute;inset:0;background:radial-gradient(420px 260px at 90% 0%,rgba(6,106,171,.6),transparent 60%)}
.example>*{position:relative}
.example .eyebrow{color:var(--sky)}
.example h3{color:#fff;margin-top:8px;font-size:22px;font-weight:800}
.example table{width:100%;border-collapse:collapse;margin-top:18px;font-variant-numeric:tabular-nums}
.example th,.example td{text-align:left;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:15px}
.example th{font-weight:600;color:var(--on-navy-soft)}
.example td{font-weight:700;text-align:right}
.example tr:last-child td,.example tr:last-child th{border-bottom:0;font-size:18px}
.example tr:last-child td{color:var(--sky)}
.example .foot{margin-top:14px;font-size:12.5px;color:var(--on-navy-muted);line-height:1.45}
.example .tabs{display:inline-flex;background:rgba(255,255,255,.1);border-radius:999px;padding:4px;margin-top:16px;gap:4px}
.example .tabs button{background:transparent;border:0;color:#fff;font:inherit;font-weight:700;font-size:13.5px;padding:7px 14px;border-radius:999px;cursor:pointer}
.example .tabs button[aria-pressed="true"]{background:#fff;color:var(--ink)}

.reviews{background:var(--paper);border-block:1px solid var(--line)}
.rev-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
@media (max-width:900px){.rev-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.rev-grid{grid-template-columns:1fr}}
.rev{border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;background:var(--bg);display:flex;flex-direction:column;gap:14px;min-width:0;transition:transform .25s,box-shadow .25s}
.rev:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover);background:var(--paper)}
.rev .top{display:flex;justify-content:space-between;align-items:center;gap:10px}
.stars{display:inline-flex;gap:2px}
.stars svg{width:17px;height:17px;fill:var(--amber)}
.rev .gmark svg{width:20px;height:20px}
.rev q{quotes:none;color:var(--ink-soft);font-size:15.5px;line-height:1.55}
.rev .who{display:flex;align-items:center;gap:10px;margin-top:auto}
.rev .av{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;font-weight:800;color:#fff;font-size:14px;flex:none}
.rev .who b{font-weight:700;font-size:14.5px;display:block}
.rev .who span{color:var(--muted);font-size:13px}

.team{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:34px}
@media (max-width:1000px){.team{grid-template-columns:repeat(3,1fr)}}
@media (max-width:520px){.team{grid-template-columns:repeat(2,1fr);gap:12px}}
.team figure{margin:0;border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);background:var(--paper);box-shadow:var(--shadow-soft);min-width:0;transition:transform .25s,box-shadow .25s}
.team figure:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.team img{width:100%;height:auto;aspect-ratio:3/4;object-fit:cover;object-position:top}
.team figcaption{padding:12px 14px 14px}
.team figcaption b{display:block;font-weight:700;font-size:15px}
.team figcaption span{color:var(--muted);font-size:13px}

/* image card navigation */
.cards-wrap{position:relative;margin-top:34px}
.cards{display:flex;gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-padding-left:0;padding-bottom:6px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
.cards::-webkit-scrollbar{display:none}
.cards{-webkit-mask-image:linear-gradient(to right,#000 calc(100% - 130px),transparent);mask-image:linear-gradient(to right,#000 calc(100% - 130px),transparent)}
.cards-wrap.at-end .cards{-webkit-mask-image:none;mask-image:none}
.cards-nav{position:absolute;top:50%;transform:translateY(-50%);width:52px;height:52px;border-radius:50%;border:0;background:var(--paper);color:var(--ink);box-shadow:0 10px 30px -10px rgba(11,35,65,.45);display:inline-flex;align-items:center;justify-content:center;cursor:pointer;z-index:2;transition:opacity .2s,transform .2s,background .2s}
.cards-nav svg{width:22px;height:22px}
.cards-nav.next{right:14px}.cards-nav.prev{left:14px}
.cards-nav:hover{background:var(--brand);color:#fff;transform:translateY(-50%) scale(1.04)}
.cards-wrap.at-end .cards-nav.next,.cards-wrap.at-start .cards-nav.prev{opacity:0;pointer-events:none}
@media (max-width:1000px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.cards{grid-template-columns:1fr}}
.icard{position:relative;display:block;flex:0 0 min(272px,74vw);scroll-snap-align:start;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/5;background:var(--ink);text-decoration:none;color:#fff;box-shadow:var(--shadow-soft)}
.icard img{width:100%;height:100%;object-fit:cover;filter:grayscale(1) contrast(1.05);transform:scale(1.02);transition:filter .5s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
.icard::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(11,35,65,.9),rgba(11,35,65,.15) 55%,transparent)}
.icard .t{position:absolute;left:22px;right:22px;bottom:22px;z-index:1;display:grid;gap:6px}
.icard .t b{font-size:22px;font-weight:800;letter-spacing:-.02em;line-height:1.1}
.icard .t span{font-size:14px;color:var(--on-navy-soft);display:inline-flex;align-items:center;gap:6px;text-decoration:underline;text-underline-offset:3px}
.icard:hover img,.icard:focus-visible img{filter:none;transform:scale(1.07)}
@media (hover:none){.icard img{filter:none}}

/* ---------- long-form guide ---------- */
.guide-sec{padding-top:0}
.guide{display:grid;grid-template-columns:240px minmax(0,1fr);gap:56px;align-items:start}
.toc{position:sticky;top:100px;display:grid;gap:10px}
.toc nav{display:grid;border-left:2px solid var(--line)}
.toc a{display:block;padding:6px 14px;color:var(--ink-soft);text-decoration:none;font-size:14.5px;line-height:1.35;border-left:2px solid transparent;margin-left:-2px;transition:color .15s,border-color .15s}
.toc a:hover{color:var(--ink)}
.toc a.on{color:var(--brand);border-left-color:var(--brand);font-weight:700}
.gbody{max-width:72ch;font-size:17px;color:var(--ink-soft);min-width:0}
.gbody h2{color:var(--ink);font-size:clamp(24px,2.6vw,30px);margin:46px 0 14px;scroll-margin-top:96px}
.gbody h2:first-child{margin-top:0}
.gbody h3{color:var(--ink);font-size:20px;font-weight:800;margin:28px 0 10px;letter-spacing:-.015em}
.gbody p{margin:0 0 14px}
.gbody ul,.gbody ol{margin:0 0 18px;padding-left:22px;display:grid;gap:8px}
.gbody li::marker{color:var(--brand);font-weight:700}
.gbody a{color:var(--brand);font-weight:600;text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1.5px}
.gbody strong{color:var(--ink)}
.gbody .btn{text-decoration:none;font-weight:700}
.gbody .btn-primary{color:#fff}
.gbody .cta-inline .btn-ghost{color:#fff}
.tbl{overflow-x:auto;margin:18px 0 22px;border:1px solid var(--line);border-radius:16px;background:var(--paper);-webkit-overflow-scrolling:touch}
.tbl table{border-collapse:collapse;width:100%;font-size:15px;min-width:620px}
.tbl th,.tbl td{padding:12px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line);line-height:1.45}
.tbl thead th{background:var(--tint-1);color:var(--ink);font-weight:700;white-space:nowrap}
.tbl tbody th{font-weight:700;color:var(--ink);min-width:150px;max-width:220px}
.tbl thead th:first-child{min-width:150px}
.tbl tbody tr:last-child td,.tbl tbody tr:last-child th{border-bottom:0}
.cta-inline{position:relative;overflow:hidden;margin:30px 0;padding:28px 28px;background:var(--ink);color:#fff;border-radius:var(--r-lg);display:flex;flex-wrap:wrap;gap:18px 24px;align-items:center;justify-content:space-between;box-shadow:0 24px 50px -30px rgba(11,35,65,.6)}
.cta-inline::before{content:"";position:absolute;inset:0;background:radial-gradient(520px 260px at 90% 20%,rgba(6,106,171,.55),transparent 65%),radial-gradient(360px 220px at 8% 110%,rgba(143,205,240,.25),transparent 60%);pointer-events:none}
.cta-inline .cta-copy{position:relative;flex:1 1 320px;display:grid;gap:4px}
.cta-inline .eyebrow{color:var(--sky)}
.cta-inline h3{color:#fff;font-size:clamp(20px,2.2vw,26px);font-weight:800;letter-spacing:-.02em;line-height:1.15;margin:0}
.cta-inline .lead{margin:2px 0 0;font-weight:500;color:var(--on-navy-soft);font-size:16px;line-height:1.5}
.cta-inline .btns{position:relative}
.cta-inline .btns{display:flex;gap:10px;flex-wrap:wrap}
.cta-inline .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4)}
.cta-inline .btn-ghost:hover{border-color:#fff}
.gbody blockquote{margin:0 0 16px;padding:14px 20px;border-left:3px solid var(--brand);background:var(--tint-1);border-radius:0 12px 12px 0}
.gbody pre.spec{font-size:13px;background:var(--tint-1);padding:16px;border-radius:12px;overflow:auto;white-space:pre-wrap}
.sources{margin-top:40px;font-size:14px;color:var(--muted)}
.sources summary{cursor:pointer;font-weight:700;color:var(--ink-soft);list-style:none}
.sources summary::before{content:"+ ";color:var(--brand)}
.sources[open] summary::before{content:"\2212  "}
.sources ul{padding-left:18px;margin:10px 0 0;display:grid;gap:6px;overflow-wrap:anywhere}
@media (max-width:1080px){
  .guide{grid-template-columns:1fr;gap:26px}
  .toc{position:static}
  .toc nav{display:flex;flex-wrap:wrap;gap:8px;border:0}
  .toc a{border:1px solid var(--line);border-radius:999px;padding:7px 12px;margin:0;font-size:13.5px;background:var(--paper)}
  .toc a.on{background:var(--tint-1);border-color:var(--brand)}
  .gbody{font-size:16.5px}
  .cta-inline{padding:20px}
}

/* ---------- quote band ---------- */
.band{position:relative;min-height:520px;display:grid;align-items:center;overflow:hidden;background:var(--ink);margin:0 16px;border-radius:var(--r-xl)}
.band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:right center}
.band::after{content:"";position:absolute;inset:0;background:linear-gradient(to right,rgba(11,35,65,.94) 0%,rgba(11,35,65,.62) 40%,rgba(11,35,65,0) 64%)}
.band .wrap{position:relative;z-index:1;padding-block:64px;color:#fff;display:grid;gap:18px;max-width:1200px;width:100%;justify-items:start}
.band blockquote{margin:0;font-size:clamp(28px,3.4vw,44px);line-height:1.12;max-width:22ch;letter-spacing:-.025em;font-weight:800}
.band cite{font-style:normal;font-size:15px;color:var(--on-navy-soft);font-weight:600}
.band .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
@media (max-width:700px){.band{min-height:560px;align-items:end;margin:0 8px;border-radius:24px}.band img{object-position:70% top}.band::after{background:linear-gradient(to top,rgba(11,35,65,.96) 0%,rgba(11,35,65,.65) 45%,rgba(11,35,65,.1) 100%)}}

/* ---------- FAQ, two columns ---------- */
.faqgrid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.5fr);gap:48px;align-items:start}
.faqgrid .sec-head{position:sticky;top:100px}
.faqgrid .sec-head .btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.faq{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:6px 26px;box-shadow:var(--shadow-soft)}
.faq details{border-bottom:1px solid var(--line)}
.faq details:last-child{border-bottom:0}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:18px 0;font-weight:700;font-size:18px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-weight:500;color:var(--brand);font-size:26px;line-height:1;transition:transform .2s;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{color:var(--ink-soft);padding-bottom:20px}
.faq .a p{margin:0 0 10px}
.faq .a p:last-child{margin-bottom:0}
@media (max-width:900px){.faqgrid{grid-template-columns:1fr;gap:22px}.faqgrid .sec-head{position:static}}

/* ---------- related reading: tinted panel with the arc motif ---------- */
section.blog{background:var(--tint);position:relative;overflow:hidden;border-radius:var(--r-xl);margin:0 16px}
section.blog::before,section.blog::after{content:"";position:absolute;width:640px;height:640px;border-radius:50%;pointer-events:none;background:repeating-radial-gradient(circle at center,transparent 0 46px,rgba(6,106,171,.1) 46px 47.5px)}
section.blog::before{left:-320px;top:-320px}
section.blog::after{right:-320px;bottom:-320px}
section.blog::before,section.blog::after{z-index:0}
section.blog .wrap{position:relative;z-index:1}
section.blog .sec-head{margin:0 auto;text-align:center;justify-items:center}
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:38px}
@media (max-width:900px){.posts{grid-template-columns:1fr}}
.post{display:block;text-decoration:none;color:var(--ink);background:var(--paper);border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow-soft);transition:transform .25s,box-shadow .25s}
.post:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.post img{width:100%;aspect-ratio:16/10;object-fit:cover;background:var(--tint-2)}
.post .pb{padding:18px 20px 22px}
.post .meta{font-size:13px;color:var(--muted);font-weight:600;display:flex;gap:12px}
.post h3{margin-top:8px;font-size:19px;line-height:1.25;letter-spacing:-.015em}
.post .more{margin-top:12px;font-size:14px;font-weight:700;color:var(--brand)}
@media (max-width:700px){.blog{margin:0 8px;border-radius:24px}}

/* ---------- closing band ---------- */
.closing{background:var(--ink);color:#fff;position:relative;overflow:hidden;margin:0 16px;border-radius:var(--r-xl)}
.closing::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 400px at 85% 50%,rgba(6,106,171,.5),transparent 60%)}
.closing .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.closing h2{color:#fff}
.closing p{color:var(--on-navy-soft);margin-top:8px;font-size:18px}
@media (max-width:700px){.closing{margin:0 8px;border-radius:24px}}

/* ---------- footer with the circle motif ---------- */
.site-foot{background:var(--ink);color:var(--on-navy-soft);padding-block:72px 40px;font-size:14px;position:relative;overflow:hidden;margin-top:28px;border-radius:var(--r-xl) var(--r-xl) 0 0}
.site-foot::before{content:"";position:absolute;width:760px;height:760px;border-radius:50%;border:1px solid rgba(255,255,255,.13);left:-320px;top:-160px;pointer-events:none}
.site-foot::after{content:"";position:absolute;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(6,106,171,.42),rgba(6,106,171,0) 70%);right:-180px;bottom:-240px;pointer-events:none}
.site-foot .wrap{position:relative;z-index:1}
.fcols{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:36px}
.fcols h4{color:#fff;font-size:14px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin:0 0 14px}
.fcols div>a:not(.btn){display:block;color:var(--on-navy-soft);text-decoration:none;padding:5px 0;font-weight:500}
.fcols div>a:not(.btn):hover{color:#fff}
.flogo{height:36px;width:auto}
.fbtn{color:var(--ink) !important;display:inline-flex !important}
.fbrand p{margin:14px 0 18px;font-size:16px;color:#fff;font-weight:600;max-width:20rem}
.fbrand .fcontact{font-size:14px;font-weight:500;color:var(--on-navy-soft);margin-top:20px;line-height:1.7}
.fbottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:22px;display:grid;gap:8px;font-size:12.5px;color:var(--on-navy-muted)}
@media (max-width:900px){.fcols{grid-template-columns:1fr 1fr}.fbrand{grid-column:1/-1}}
@media (max-width:520px){.fcols{grid-template-columns:1fr}}

/* sticky mobile CTA */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:55;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-top:1px solid var(--line);padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));display:none;gap:10px;align-items:center;justify-content:space-between}
.mcta.show{display:flex}
.mcta .t{font-weight:700;font-size:14px}
.mcta .t small{display:block;color:var(--muted);font-weight:400;font-size:12px}
@media (min-width:981px){.mcta{display:none !important}}

@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none !important;animation:none !important;scroll-behavior:auto !important}.stepcard .bar{transform:none !important}}

/* ---------- nav buttons and mega menus ---------- */
.nav .navbtn{background:none;border:0;font:inherit;font-weight:600;font-size:15px;color:var(--ink-soft);padding:6px 0;border-bottom:2px solid transparent;cursor:pointer;display:inline-flex;align-items:center;gap:5px;transition:color .15s,border-color .15s}
.nav .navbtn svg{width:14px;height:14px;transition:transform .2s}
.nav .navbtn:hover,.nav .navbtn[aria-expanded="true"]{color:var(--brand);border-color:var(--brand)}
.nav .navbtn[aria-expanded="true"] svg{transform:rotate(180deg)}
.mega{position:absolute;left:0;right:0;top:100%;padding:10px 16px 0;z-index:70}
.mega[hidden]{display:none}
.mega-in{max-width:1200px;margin:0 auto;background:var(--paper);border:1px solid var(--line);border-radius:24px;box-shadow:0 30px 70px -30px rgba(11,35,65,.45),0 2px 6px rgba(11,35,65,.06);display:grid;grid-template-columns:236px minmax(0,1fr) 296px;overflow:hidden;animation:megain .22s cubic-bezier(.2,.7,.2,1)}
@keyframes megain{from{opacity:0;transform:translateY(-14px);clip-path:inset(0 0 100% 0)}to{opacity:1;transform:none;clip-path:inset(0 0 0 0)}}
.mega-cats{background:var(--tint-1);padding:18px 12px;display:flex;flex-direction:column;gap:4px;border-right:1px solid var(--line)}
.mcat{display:flex;align-items:center;gap:12px;text-align:left;background:none;border:0;font:inherit;font-weight:700;font-size:15px;color:var(--ink);padding:10px 12px;border-radius:14px;cursor:pointer;transition:background .15s}
.mcat:hover{background:rgba(6,106,171,.07)}
.mcat-label{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding:16px 12px 4px;margin-top:8px;border-top:1px solid var(--line)}
.mcat.on{background:var(--paper);box-shadow:var(--shadow-soft)}
.mi{width:36px;height:36px;border-radius:11px;display:inline-grid;place-items:center;flex:none}
.mi svg{width:18px;height:18px}
.c-blue{background:#E8F3FB;color:#066AAB}.c-green{background:#E3F7EC;color:#1E9E62}.c-amber{background:#FFF1D6;color:#B8791A}.c-coral{background:#FDE7E1;color:#D26A4E}.c-violet{background:#ECE9FB;color:#5D4DC6}
.mega-body{padding:26px 28px 24px;min-height:360px}
.mpanel{display:none}
.mpanel.on{display:block}
.mpanel h4{margin:0 0 16px;font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.mgrid{display:grid;grid-template-columns:1fr 1fr;gap:4px 18px}
.mhead{grid-column:1/-1;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700;padding:14px 10px 2px;margin-top:8px;border-top:1px solid var(--line)}
.mhead:first-child{border-top:0;margin-top:0;padding-top:0}
.mnav .mgl.sub{background:transparent;padding-top:10px;border-top:1px solid var(--line);margin-top:4px}
.mitem{display:flex;gap:12px;align-items:flex-start;padding:9px 10px;border-radius:14px;text-decoration:none;color:var(--ink);transition:background .15s}
.mitem:hover{background:var(--tint-1)}
.mitem .mi{width:34px;height:34px}
.mitem .mt{display:flex;flex-direction:column;gap:2px;min-width:0}
.mitem b{font-size:15px;font-weight:700;line-height:1.25}
.mitem small{font-size:13px;color:var(--muted);line-height:1.35}
.mega-side{background:var(--tint-1);border-left:1px solid var(--line);padding:18px;display:flex;flex-direction:column;gap:14px}
.promo{display:block;border-radius:16px;overflow:hidden;background:var(--paper);border:1px solid var(--line);text-decoration:none;color:var(--ink);box-shadow:var(--shadow-soft);transition:transform .2s,box-shadow .2s}
.promo:hover{transform:translateY(-2px);box-shadow:var(--shadow-hover)}
.promo img{width:100%;height:auto;display:block}
.promo span{display:block;padding:12px 14px 14px}
.promo b{display:block;font-size:15px}
.promo small{display:block;color:var(--muted);font-size:13px;margin-top:2px;line-height:1.35}
.mega-cta{display:flex;flex-direction:column;gap:8px}
.mega-cta .btn{width:100%;font-size:15px;min-height:46px}
.mega-cta .glow{display:flex}
.mega-cta .glow .btn{flex:1}
.mega-contact{display:flex;flex-direction:column;gap:6px;font-size:14px}
.mega-contact a{display:inline-flex;align-items:center;gap:8px;color:var(--ink);text-decoration:none;font-weight:600}
.mega-contact a:hover{color:var(--brand)}
.mega-contact svg{width:16px;height:16px;color:var(--brand)}
.socials{display:flex;gap:8px}
.socials a{width:40px;height:40px;border-radius:50%;border:1px solid var(--line);background:var(--paper);display:grid;place-items:center;color:var(--ink);transition:background .15s,color .15s,border-color .15s}
.socials a:hover{background:var(--brand);color:#fff;border-color:var(--brand)}
.socials svg{width:18px;height:18px}
.hdr{position:relative}
/* mobile menu groups */
.mnav .mgroup summary{list-style:none;cursor:pointer;padding:14px 20px;font-weight:700;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center}
.mnav .mgroup summary::after{content:"+";color:var(--brand);font-size:22px;line-height:1}
.mnav .mgroup[open] summary::after{content:"\2212"}
.mnav .mgl{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700;padding:12px 20px 4px;background:var(--tint-1)}
.mnav .mgroup a{display:block;padding:11px 20px 11px 28px;background:var(--tint-1);font-weight:500;font-size:15px;border-bottom:1px solid var(--line)}
.mnav .mgroup .mgl{display:block}
/* provider marquee */
.providers{background:var(--paper);border-bottom:1px solid var(--line);padding:30px 0 26px;margin-top:16px}
.plabel{text-align:center;font-size:11.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:22px}
.marquee-wrap{overflow:hidden;-webkit-mask-image:linear-gradient(to right,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(to right,transparent,#000 8%,#000 92%,transparent)}
.marquee{display:flex;width:max-content;animation:marquee 46s linear infinite}
.marquee-wrap:hover .marquee{animation-play-state:paused}
.mhalf{display:flex;align-items:center;gap:64px;padding-right:64px}
.mhalf img{height:32px;width:auto;max-width:150px;object-fit:contain;filter:grayscale(1);opacity:.55;mix-blend-mode:multiply;transition:filter .3s,opacity .3s}
.mhalf img:hover{filter:none;opacity:1}
@keyframes marquee{to{transform:translateX(-50%)}}
@media (max-width:700px){.mhalf{gap:40px;padding-right:40px}.mhalf img{height:26px;max-width:110px}.providers{margin-top:8px}}
/* footer extras */
.fsocials{margin-top:18px}
.fsocials a{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#fff}
.fcontact a{color:#fff;text-decoration:none;font-weight:600}
.fcontact a:hover{color:var(--sky)}
@media (prefers-reduced-motion:reduce){.marquee{animation:none}}

/* ---------- WordPress: there is no mock bar above the header ---------- */
.hdr-slot{margin-top:0}

/* ---------- thank-you page ---------- */
.ty{padding-block:56px 72px}
.ty-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-card);padding:clamp(28px,4vw,52px);max-width:720px;margin:0 auto;text-align:center;display:grid;gap:14px;justify-items:center}
.ty-card .ring{width:78px;height:78px;border-radius:50%;background:var(--success-soft);display:grid;place-items:center}
.ty-card .ring svg{width:40px;height:40px}
.ty-card .ring path{stroke:var(--success);stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round}
.ty-card h2{font-size:clamp(28px,3.4vw,40px)}
.ty-card p{color:var(--ink-soft);font-size:18px;max-width:34rem}
.ty-card .cta-row{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:8px}
.ty-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:40px auto 0;max-width:1000px}
@media (max-width:820px){.ty-cards{grid-template-columns:1fr}}

/* ---------- pension calculator (calculator page) ---------- */
.calc-sec{padding-top:0}
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);display:grid;grid-template-columns:1.05fr .95fr;overflow:hidden;box-shadow:var(--shadow-soft);margin-top:30px}
.calc-in{padding:30px 32px 28px}
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.calc label,.calc .cfield{display:grid;gap:8px;font-size:13px;font-weight:700;color:var(--ink-soft);align-content:start}
.calc .clabel{display:block}
.calc input[type="text"]{font:inherit;font-size:16px;padding:11px 13px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);width:100%;min-width:0;-moz-appearance:textfield}
.calc input[type="text"]:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:var(--brand)}
.cin{display:flex;align-items:center;gap:8px}
.cin i{font-style:normal;color:var(--muted);font-weight:700;flex:0 0 auto;min-width:12px}
.crange-l output{float:right;background:var(--brand-soft);color:var(--brand);border-radius:999px;padding:2px 10px;font-size:13px;font-weight:800}
.calc input[type="range"]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:linear-gradient(to right,var(--tint-2),var(--tint-2));outline:none;margin:10px 0 4px;padding:0;border:0}
.calc input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;border-radius:50%;background:var(--brand);border:3px solid #fff;box-shadow:0 2px 8px rgba(11,35,65,.3);cursor:pointer}
.calc input[type="range"]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--brand);border:3px solid #fff;box-shadow:0 2px 8px rgba(11,35,65,.3);cursor:pointer}
.calc input[type="range"]:focus-visible::-webkit-slider-thumb{outline:2px solid var(--brand);outline-offset:2px}
.cmode{display:inline-flex;background:var(--tint-1);border-radius:999px;padding:3px;gap:3px;justify-self:start}
.cmode button{background:transparent;border:0;font:inherit;font-weight:700;font-size:12.5px;color:var(--ink-soft);padding:6px 12px;border-radius:999px;cursor:pointer;white-space:nowrap}
.cmode button[aria-pressed="true"]{background:#fff;color:var(--ink);box-shadow:var(--shadow-soft)}
.cfine{font-size:12.5px;color:var(--muted);margin-top:14px;line-height:1.55}
.cfine b{color:var(--ink-soft)}
.cfine.light{color:var(--on-navy-soft);margin-top:14px}
.calc-out{background:var(--ink);color:#fff;padding:30px 32px 28px;display:flex;flex-direction:column}
.cres small,.cres-grid small{display:block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--on-navy-soft)}
.cres b{display:block;font-size:clamp(36px,4.2vw,52px);font-weight:800;letter-spacing:-.03em;line-height:1.05;margin:6px 0 4px}
.cres span{font-size:14px;color:var(--on-navy-soft)}.cres em{font-style:normal;color:#fff;font-weight:700}
.cres-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:18px}
.cres-grid div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:12px 14px}
.cres-grid b{display:block;font-size:22px;font-weight:800;letter-spacing:-.02em;margin:4px 0 2px}
.cres-grid span{font-size:12.5px;color:var(--on-navy-soft)}
.crange{margin-top:14px;font-size:13px;color:var(--on-navy-soft)}.crange b{color:#fff}
.cwarn{margin-top:10px;font-size:13px;background:rgba(255,196,64,.14);border:1px solid rgba(255,196,64,.35);color:#ffe4a8;border-radius:12px;padding:10px 12px}
.calc-out .cta-row{margin-top:auto;padding-top:20px;display:flex;gap:10px;flex-wrap:wrap}
.calc-out .btn-ghost{color:#fff;border-color:rgba(255,255,255,.4)}
.calc-out .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
@media (max-width:860px){.calc{grid-template-columns:1fr}.cgrid{grid-template-columns:1fr}.calc-in,.calc-out{padding:22px 20px}.cres-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.cres-grid{grid-template-columns:1fr}}

/* ---------- phone fixes, 2026-10-01 ---------- */
.formsec,#form,#start,#calc,.calc-sec{scroll-margin-top:92px}
.closing .eyebrow.light{color:var(--sky)}
.closing .cta-row{display:flex;gap:12px;flex-wrap:wrap}
.closing::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(143,205,240,.35),transparent 65%);pointer-events:none}
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:18px 0}
.tscroll table{margin:0;min-width:100%}
@media (max-width:700px){
  .formsec,#form,#start,#calc,.calc-sec{scroll-margin-top:84px}
  .cards{margin-inline:-20px;padding-inline:20px;scroll-padding-left:20px;-webkit-mask-image:linear-gradient(to right,#000 calc(100% - 90px),transparent);mask-image:linear-gradient(to right,#000 calc(100% - 90px),transparent)}
  .icard{flex-basis:76vw}
  .cards-nav{width:44px;height:44px}.cards-nav.next{right:4px}.cards-nav.prev{left:4px}
  .mcta{padding-left:88px}
  .formsec .badges{display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .formsec .badge{width:100%;justify-content:flex-start}
  .band{display:block;min-height:0;margin:0 8px;border-radius:24px}
  .band img{position:relative;inset:auto;display:block;width:100%;height:300px;object-fit:cover;object-position:100% center}
  .band::after{top:160px;background:linear-gradient(to bottom,rgba(11,35,65,0) 0,var(--ink) 150px)}
  .band .wrap{padding-block:0 30px;margin-top:-56px}
  .tscroll.scrolls::after,.tbl.scrolls::after{content:"Swipe to see more \2192";display:block;font-size:12px;color:var(--muted);padding:8px 14px 10px;position:sticky;left:0}
  .tbl.has-cards,.tscroll.has-cards{border:0;background:none;overflow:visible;border-radius:0;margin:14px 0 20px;padding:0}
  .tbl table.t-resp tbody th{min-width:0;max-width:none;width:100%}
  .gbody table.t-resp tr:last-child{margin-bottom:0}
  .gbody table.t-resp{display:block;border:0;background:none;min-width:0}
  .gbody table.t-resp thead{display:none}
  .gbody table.t-resp tbody,.gbody table.t-resp tr,.gbody table.t-resp th,.gbody table.t-resp td{display:block;width:100%}
  .gbody table.t-resp tr{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:12px 14px;margin-bottom:12px}
  .gbody table.t-resp th[scope="row"]{font-weight:800;color:var(--ink);padding:0 0 8px;border:0;font-size:16px;background:none;text-align:left}
  .gbody table.t-resp td{border:0;padding:7px 0;background:none}
  .gbody table.t-resp td::before{content:attr(data-label);display:block;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--brand);margin-bottom:2px}
  .gbody table.t-resp td[data-first]{font-weight:800;color:var(--ink);font-size:16px;padding-top:0}
  .gbody table.t-resp tbody th{display:block;width:100%;min-width:0;max-width:none;text-align:left;background:none;border:0;padding:0 0 8px;font-weight:800;color:var(--ink);font-size:16px}
}

/* ---------- "looking for something else" boxes ---------- */
.looking-sec{padding:18px 0 0}
.looking{display:grid;grid-template-columns:auto repeat(3,1fr);gap:12px;align-items:stretch}
.looking-lead{display:flex;align-items:center;padding:0 8px 0 4px}
.look{display:grid;grid-template-columns:1fr 34px;grid-template-rows:auto auto;column-gap:12px;row-gap:2px;align-items:center;background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:14px 16px;text-decoration:none;color:var(--ink);box-shadow:var(--shadow-soft);transition:border-color .15s,transform .15s}
.look b{grid-column:1;grid-row:1;font-size:15px;font-weight:800;letter-spacing:-.01em;align-self:end}
.look span{grid-column:1;grid-row:2;font-size:13px;color:var(--muted);line-height:1.4;align-self:start}
.look i{grid-column:2;grid-row:1/3;display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--brand-soft);color:var(--brand);align-items:center;justify-content:center}
.look i svg{width:16px;height:16px}
.look:hover{border-color:var(--brand);transform:translateY(-1px)}
@media (max-width:1100px){.looking{grid-template-columns:repeat(3,1fr)}.looking-lead{grid-column:1/-1;padding:0}}
@media (max-width:760px){.looking{grid-template-columns:1fr}}
.example tr.tot th,.example tr.tot td{font-weight:800}
/* ---------- employer | employee side by side ---------- */
.split-sec{padding-top:0}
.gbody .split{margin:34px 0;padding:0}
.split-cta{margin-top:28px;justify-content:flex-start}
.split-head{max-width:640px;margin-bottom:18px}
.split-head h2{margin:6px 0 8px;font-size:clamp(26px,3.2vw,38px);line-height:1.1;letter-spacing:-.02em}
.split-head .lead{margin:0;color:var(--muted)}
.split-grid{display:grid;grid-template-columns:1fr auto 1fr;gap:0 18px;align-items:stretch}
.split-col{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:22px 22px 10px;box-shadow:var(--shadow-soft);position:relative;overflow:hidden}
.split-col::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:var(--brand)}
.split-col.employee::before{background:var(--navy,#0f2a44)}
.split-col h3{margin:0 0 14px;font-size:20px}
.split-col ul{list-style:none;margin:0;padding:0}
.split-col li{display:grid;grid-template-columns:38px 1fr;gap:12px;align-items:start;padding:12px 0;border-top:1px solid var(--line);margin:0}
.split-col li:first-child{border-top:0;padding-top:0}
.split-col li i{display:inline-flex;width:38px;height:38px;border-radius:12px;background:var(--brand-soft);color:var(--brand);align-items:center;justify-content:center}
.split-col.employee li i{background:rgba(15,42,68,.08);color:var(--navy,#0f2a44)}
.split-col li i svg{width:18px;height:18px}
.split-col li b{display:block;font-size:15px;font-weight:800;letter-spacing:-.01em;margin-bottom:2px}
.split-col li span{display:block;font-size:14px;color:var(--muted);line-height:1.45}
.split-vs{display:flex;align-items:center;justify-content:center}
.split-vs span{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--ink);color:#fff;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.06em}
@media (max-width:760px){.split-grid{grid-template-columns:1fr;gap:14px}.split-vs{display:none}.split-col{padding:18px 16px 6px}}

/* ---------- motion pass two: structure. The scroll-linked transforms live in tw-motion.css; everything here is static layout ---------- */
/* hero: one mask per H1 word; the padding and matching negative margin give descenders room without moving the text */
.hw{display:inline-block;vertical-align:top;overflow:hidden;padding:0 .08em .14em;margin:0 -.08em -.14em}
.hw>span{display:inline-block}

/* "as featured in": the logos run as a slow marquee */
.strip .wrap{flex-wrap:nowrap}
.slogos{flex:1;min-width:0;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.strack{display:flex;width:max-content;animation:marquee 60s linear infinite}
.slogos:hover .strack{animation-play-state:paused}
.sset{display:flex;align-items:center;gap:56px;padding-right:56px}
@media (max-width:600px){.strip .wrap{flex-direction:column;gap:12px}.slogos{width:100%}.sset{gap:36px;padding-right:36px}}

/* reviews: two full-bleed rows */
.reviews{overflow:hidden;overflow:clip}
.rev-rows{display:grid;gap:18px;margin-top:34px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}
.rev-row{display:flex;gap:18px;width:max-content;padding-left:max(20px,calc(50vw - 580px))}
.rev-row .rev{flex:none;width:min(380px,80vw)}

/* three steps: heading and rail pinned on the left, the cards stack on the right */
.steps-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
.steps-side{position:sticky;top:calc(var(--hdr-h,79px) + 40px)}
.steps-grid .steps{grid-template-columns:1fr;gap:26px;margin-top:0;padding-bottom:6vh}
.steps .stepcard{position:sticky;top:calc(var(--hdr-h,79px) + 40px + var(--i,0) * 18px);min-height:250px;transform-origin:50% 0}
.steps .stepcard::after{content:"";position:absolute;inset:0;border-radius:inherit;background:var(--ink);opacity:0;pointer-events:none}
.steps-rail{position:relative;display:flex;justify-content:space-between;width:min(100%,300px);height:10px;margin-top:30px}
.steps-rail i{position:absolute;left:5px;right:5px;top:4px;height:2px;border-radius:2px;background:var(--line);overflow:hidden}
.steps-rail i::after{content:"";position:absolute;inset:0;background:var(--brand);transform-origin:0 50%}
.steps-rail b{position:relative;width:10px;height:10px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 4px var(--bg)}
@media (max-width:900px){.steps-grid{grid-template-columns:1fr;gap:30px}.steps-side{position:static}.steps-rail{display:none}.steps .stepcard{top:calc(var(--hdr-h,64px) + 14px + var(--i,0) * 12px);min-height:0}}

/* band: the year ticker above the quote */
.band-yr{display:grid;gap:12px;width:min(100%,400px);margin-bottom:6px}
.band-yr .yr{font-size:clamp(54px,7vw,92px);font-weight:800;line-height:.9;letter-spacing:-.04em;color:#fff;font-variant-numeric:tabular-nums}
.band-tl{position:relative;height:4px;border-radius:4px;background:rgba(255,255,255,.18);overflow:hidden}
.band-tl i{position:absolute;inset:0;background:linear-gradient(90deg,var(--sky),#fff);transform-origin:0 50%}
.band-tk{display:flex;justify-content:space-between}
.band-tk i{width:2px;height:12px;border-radius:2px;background:var(--sky);transform-origin:50% 0}

/* closing card: it sits 60px down inside the footer's top edge, the footer drawn over it like a pocket */
.closing-pk{position:relative;isolation:isolate;margin-bottom:-60px;transform-origin:50% 100%}
.closing-pk::before{content:"";position:absolute;inset:0 16px;z-index:-1;border-radius:var(--r-xl);box-shadow:0 34px 70px -24px rgba(11,35,65,.6),0 12px 28px -14px rgba(11,35,65,.4)}
.closing-pk .closing{background:linear-gradient(135deg,#0A7BC4 0%,var(--brand) 45%,var(--brand-deep) 100%);padding-bottom:124px}
.closing-pk .closing p{color:rgba(255,255,255,.9)}
.closing-pk .closing .eyebrow.light{color:#DDF0FB}
.closing-pk+.site-foot,.elementor:has(.elementor-widget-tw_closing:last-child)+.site-foot{margin-top:0;box-shadow:0 -14px 30px -12px rgba(4,26,48,.55)}
@media (max-width:700px){.closing-pk{margin-bottom:-40px}.closing-pk::before{inset:0 8px;border-radius:24px}.closing-pk .closing{padding-bottom:100px}}

/* guide: reading bar, chapter cards, and on phones a sticky row of contents chips */
.gprog{position:sticky;top:var(--hdr-h,79px);z-index:6;height:3px;margin-bottom:-3px;pointer-events:none}
.gprog i{display:block;height:100%;background:linear-gradient(90deg,var(--brand),var(--sky));transform-origin:0 50%}
.gbody .chap{position:relative;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:30px 32px 26px;margin:0 0 22px;box-shadow:var(--shadow-soft)}
.chap-n{position:absolute;top:16px;right:24px;font-size:88px;font-weight:800;line-height:.85;letter-spacing:-.05em;color:var(--tint-2);pointer-events:none;user-select:none}
.gbody .chap h2{position:relative;margin:0 0 14px;padding-right:96px}
.gbody .chap h2::before{content:"";display:block;width:44px;height:3px;border-radius:3px;background:var(--brand);margin-bottom:16px}
.chap-more[hidden=until-found]{display:block!important}
.chap .cta-inline{margin-bottom:0}
.chap-tg{display:inline-flex;align-items:center;gap:9px;margin-top:2px;padding:9px 16px;border:1.5px solid var(--line);border-radius:999px;background:var(--paper);color:var(--brand);font:inherit;font-size:15px;font-weight:700;cursor:pointer}
.chap-tg:hover{border-color:var(--brand)}
.chap-tg:focus-visible{outline:3px solid var(--glow);outline-offset:2px}
.chap-tg::after{content:"";width:7px;height:7px;border:solid currentColor;border-width:0 2px 2px 0;transform:translateY(-2px) rotate(45deg)}
.chap-tg[aria-expanded=true]::after{transform:translateY(2px) rotate(-135deg)}
.chap-tg span+span,.chap-tg[aria-expanded=true] span:first-child{display:none}
.chap-tg[aria-expanded=true] span+span{display:inline}
.chap-tg+.cta-inline{margin-top:22px}
@media (max-width:1080px){
  .toc{position:sticky;top:var(--hdr-h,64px);z-index:5;margin-inline:-20px;padding:10px 20px;background:rgba(247,246,242,.95);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
  .toc .eyebrow{display:none}
  .toc nav{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none}
  .toc nav::-webkit-scrollbar{display:none}
  .toc a{flex:none;white-space:nowrap}
  .gbody h2{scroll-margin-top:118px}
}
@media (max-width:700px){.gbody .chap{padding:22px 18px 18px;border-radius:22px}.chap-n{font-size:58px;top:14px;right:16px}.gbody .chap h2{padding-right:60px}}

/* multi-select chips look like checkboxes */
.pickall{font-size:12.5px;color:var(--muted);margin:-4px 0 8px}
.chip.box{display:inline-flex;align-items:center;gap:9px;padding-left:11px}
.chip.box::before{content:"";width:16px;height:16px;border-radius:4px;border:1.5px solid var(--muted);background:#fff;flex:0 0 16px;box-sizing:border-box}
.chip.box[aria-pressed="true"]{background:var(--brand-soft);border-color:var(--brand);color:var(--ink)}
.chip.box[aria-pressed="true"]::before{border-color:var(--brand);background:var(--brand) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'><path d='M2 6.5l2.6 2.5L10 3.5' fill='none' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/></svg>") center/11px no-repeat}
/* "I am..." switch in the I want to... menu */
.mwho{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:0 0 14px}
.mwho .mwho-lbl{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-right:2px}
.mwho button{font:inherit;font-size:13px;font-weight:700;padding:8px 13px;border-radius:999px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.mwho button.on{background:var(--ink);border-color:var(--ink);color:#fff}
.mwhowrap [data-who][hidden]{display:none}
.mnav .mwho{padding:8px 20px 4px}
.mnav .mwhowrap [data-who] a{display:block}

/* ---------- site shell: top bar links, hub mega menus, About list, mobile sheet, Get started popup ---------- */
.topbar .tb-l .tb-rate{color:#fff;font-weight:700}
.topbar .tb-l .tb-rate .stars{display:inline-flex;gap:1px}
.topbar .tb-r{display:flex;gap:20px;align-items:center;font-weight:600;color:var(--on-navy-soft)}
.topbar .tb-r a{color:inherit;text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.topbar .tb-r a:hover{color:#fff}
.topbar .tb-r svg{width:14px;height:14px;color:var(--sky)}
@media (max-width:900px){.topbar .tb-l .tb-rate,.topbar .tb-l a:nth-child(2){display:none}.topbar .tb-r{gap:14px;font-size:13px}}
.hdr-book{padding:11px 18px;font-size:15px;min-height:44px}
.hdr .glow button.btn{font-family:var(--font)}
@media (max-width:1320px){.hdr-book{display:none}}
@media (max-width:1180px){.hdr .phone{display:none}}
.nav{gap:22px}
.mnav .mgroup summary{font-size:17px}
.mnav .mall{display:block;padding:10px 20px 4px;color:var(--brand);font-weight:700;text-decoration:none;border:0}
.mnav .mgl{padding:14px 20px 4px;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
.mnav .mgroup a{padding:11px 20px 11px 28px;font-weight:500;border-bottom:1px solid var(--line)}
.mbtns{display:flex;gap:10px;padding:18px 20px 28px}
.mbtns .btn{flex:1;font-family:var(--font)}
/* popup */
.gs{position:fixed;inset:0;z-index:120;display:grid;place-items:center;padding:24px}
.gs[hidden]{display:none}
.gs-bg{position:absolute;inset:0;background:rgba(11,35,65,.66);backdrop-filter:blur(4px)}
.gs-panel{position:relative;width:min(980px,100%);max-height:calc(100dvh - 48px);background:var(--paper);border-radius:28px;box-shadow:0 40px 90px -30px rgba(11,35,65,.6);display:flex;flex-direction:column;overflow:hidden}
.gs-head{display:flex;justify-content:space-between;align-items:center;padding:14px 22px;border-bottom:1px solid var(--line);flex:none}
.gs-logo{height:34px;width:auto}
.gs-close{width:42px;height:42px;border-radius:50%;border:1px solid var(--line);background:var(--paper);display:grid;place-items:center;cursor:pointer;color:var(--ink)}
.gs-close svg{width:18px;height:18px}
.gs-close:hover{background:var(--brand-soft);color:var(--brand)}
.gs-body{padding:28px 32px 34px;overflow:auto;-webkit-overflow-scrolling:touch}
.gs-step h2{margin-top:8px;font-size:clamp(28px,3vw,36px)}
.gs-sub{margin:10px 0 0;color:var(--ink-soft);font-size:16px}
.gs-who{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}
.gs-opt{display:flex;align-items:center;gap:14px;text-align:left;background:var(--paper);border:1.5px solid var(--line);border-radius:18px;padding:14px 16px;font:inherit;font-weight:700;font-size:16px;color:var(--ink);cursor:pointer;transition:transform .2s,box-shadow .2s,border-color .2s;min-height:64px}
.gs-opt .mi{flex:none}
.gs-opt svg:last-child{margin-left:auto;width:18px;height:18px;color:var(--muted);flex:none}
.gs-opt:hover,.gs-opt:focus-visible{border-color:var(--brand);box-shadow:var(--shadow-soft);transform:translateY(-2px);outline:none}
.gs-unsure{grid-column:1/-1;background:var(--tint-1)}
.gs-back{background:none;border:0;color:var(--brand);font:inherit;font-weight:700;font-size:14px;cursor:pointer;padding:0 0 10px}
.gs-group{margin-top:22px}
.gs-group h5{margin:0 0 8px;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.gs-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px 14px}
.gs-card{display:flex;gap:12px;align-items:flex-start;padding:10px 12px;border:1.5px solid var(--line);border-radius:14px;text-decoration:none;color:var(--ink);transition:border-color .2s,transform .2s,box-shadow .2s;min-height:60px}
.gs-card .mi{width:34px;height:34px;flex:none}
.gs-card .mt{display:flex;flex-direction:column;gap:2px;min-width:0}
.gs-card b{font-size:15px;line-height:1.25}
.gs-card small{font-size:13px;color:var(--muted);line-height:1.35}
.gs-card:hover{border-color:var(--brand);transform:translateY(-2px);box-shadow:var(--shadow-soft)}
.gs-foot{display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;margin-top:26px;padding-top:18px;border-top:1px solid var(--line);color:var(--ink-soft);font-weight:600}
.gs-book{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:22px}
.gs-bookcard{display:flex;flex-direction:column;gap:8px;padding:22px;border:1.5px solid var(--line);border-radius:22px;text-decoration:none;color:var(--ink);transition:border-color .2s,transform .2s,box-shadow .2s}
.gs-bookcard b{font-size:19px;margin-top:6px}
.gs-bookcard small{font-size:14.5px;color:var(--ink-soft);line-height:1.45}
.gs-bookcard .btn{align-self:flex-start;margin-top:10px}
.gs-bookcard:hover{border-color:var(--brand);transform:translateY(-3px);box-shadow:var(--shadow-hover)}
.gs-phone{margin:20px 0 0;color:var(--ink-soft)}
.gs-phone a{color:var(--brand);font-weight:700;text-decoration:none}
body.gs-open{overflow:hidden}
@media (max-width:767px){.gs{padding:0;place-items:end stretch}.gs-panel{width:100%;height:100dvh;max-height:100dvh;border-radius:0}.gs-who,.gs-grid,.gs-book{grid-template-columns:1fr}.gs-body{padding:20px 18px 40px}.gs-opt{min-height:56px}}
.fcols{grid-template-columns:1.5fr repeat(4,1fr)}
.fcols h4 a{color:inherit;text-decoration:none}
.fcols .fmore{color:var(--sky) !important;font-weight:700;margin-top:4px}
.fbottom .flegal{display:flex;flex-wrap:wrap;gap:6px 18px}
.fbottom .flegal a{color:var(--on-navy-soft);text-decoration:none;font-weight:600}
.fbottom .flegal a:hover{color:#fff}
@media (max-width:1100px){.fcols{grid-template-columns:1fr 1fr 1fr}.fbrand{grid-column:1/-1}}
@media (max-width:640px){.fcols{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.fcols{grid-template-columns:1fr}}
/* site pages: longer headlines than the pension pages */
.tw-site .hero h1{max-width:17ch;font-size:clamp(34px,4.2vw,54px)}
.tw-site .hero .sub{max-width:36rem}

/* ---------- full-width mega menus ---------- */
.mega{padding:0}
.mega-in.mg{max-width:none;margin:0;border-radius:0 0 22px 22px;border-top:1px solid var(--line);border-left:0;border-right:0;box-shadow:0 40px 70px -30px rgba(11,35,65,.4);animation:megain .42s cubic-bezier(.2,.7,.2,1);transform-origin:top center;max-height:calc(100vh - var(--hdr-h,80px) - 24px);overflow:auto;display:block}
.hdr .mg-wrap{display:grid;grid-template-columns:230px minmax(0,1fr) 250px;gap:40px;padding-top:30px;padding-bottom:28px;align-items:start;justify-content:normal;min-height:0;max-width:1560px}
.mg-intro{display:flex;flex-direction:column;gap:10px;padding-right:30px;border-right:1px solid var(--line);min-height:100%}
.mg-intro .eyebrow{color:var(--brand)}
.mg-intro h4{margin:0;font-size:24px;line-height:1.12;letter-spacing:-.02em;color:var(--ink)}
.mg-intro p{margin:0;color:var(--ink-soft);font-size:15px;line-height:1.5}
.mg-intro .mall{display:inline-flex;align-items:center;gap:6px;color:var(--brand);font-weight:700;text-decoration:none;font-size:15px;margin-top:4px}
.mg-intro .mall svg{width:16px;height:16px;transition:transform .2s}
.mg-intro .mall:hover svg{transform:translateX(3px)}
.mg-promo{margin-top:18px;display:block;border-radius:16px;overflow:hidden;background:var(--ink);color:#fff;text-decoration:none;box-shadow:var(--shadow-soft);transition:transform .2s,box-shadow .2s;max-width:200px}
.mg-promo img{display:block;width:100%;height:auto}
.mg-promo span{display:block;padding:12px 14px 14px}
.mg-promo b{display:block;font-size:14px}
.mg-promo small{display:block;color:var(--on-navy-soft);font-size:12.5px;line-height:1.4;margin-top:2px}
.mg-promo:hover{transform:translateY(-2px);box-shadow:var(--shadow-hover)}
.mg-cols{display:grid;gap:8px 36px;align-content:start}
.mg-cols.cols-1{grid-template-columns:1fr}.mg-cols.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.mg-cols.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.mg-cols.cols-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.mg-col{display:flex;flex-direction:column;gap:22px;min-width:0}
.mg-group h5{margin:0 0 6px;padding:0 0 7px;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);border-bottom:1px solid var(--line);line-height:1.35}
.mg-group h5 span{font-weight:500;letter-spacing:0;text-transform:none;color:var(--muted)}
.mg-cols{gap:6px 24px}
.mg-item{display:flex;align-items:center;gap:10px;padding:6px 8px;margin:0 -8px;border-radius:10px;text-decoration:none;color:var(--ink);min-height:42px;transition:background .15s,color .15s}
.mg-item .mi{width:28px;height:28px;border-radius:8px;flex:none}
.mg-item .mi svg{width:14px;height:14px}
.mg-item b{font-size:15px;font-weight:600;line-height:1.25}
.mg-item:hover{background:var(--tint-1);color:var(--brand)}
.mnew{display:inline-block;margin-left:6px;font-style:normal;font-size:10px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;background:var(--brand);color:#fff;border-radius:999px;padding:2px 7px;vertical-align:middle;line-height:1.4}
.mnew.q{background:var(--success)}
.mg-side{display:flex;flex-direction:column;gap:12px;padding-left:30px;border-left:1px solid var(--line);min-height:100%}
.mg-card{display:flex;flex-direction:column;padding:0;border:1px solid var(--line);border-radius:16px;background:var(--paper);text-decoration:none;color:var(--ink);overflow:hidden;cursor:pointer;font:inherit;text-align:left;width:100%;transition:transform .2s,box-shadow .2s,border-color .2s}
.mg-card img{width:100%;height:112px;object-fit:cover;object-position:center top;display:block}
.mg-card span{display:flex;flex-direction:column;gap:3px;padding:12px 16px 14px;min-width:0}
.mg-card small{font-size:13px;color:var(--muted);line-height:1.35}
.mg-card b{display:inline-flex;align-items:center;gap:6px;font-size:15px;color:var(--brand)}
.mg-card b svg{width:15px;height:15px;transition:transform .2s}
.mg-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-soft);border-color:var(--brand)}
.mg-card:hover b svg{transform:translateX(3px)}
.mg-foot{border-top:1px solid var(--line);background:var(--tint-1)}
.mg-foot .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;min-height:52px;font-size:14px}
.mg-else{color:var(--ink-soft);font-weight:600}
.mg-else a{color:var(--brand);text-decoration:none;font-weight:700}
.mg-foot nav{display:flex;gap:22px;flex-wrap:wrap}
.mg-foot nav a{display:inline-flex;align-items:center;gap:7px;color:var(--ink);text-decoration:none;font-weight:600}
.mg-foot nav a svg{width:15px;height:15px;color:var(--brand)}
.mg-foot nav a:hover{color:var(--brand)}
@media (max-width:1360px){.hdr .mg-wrap{grid-template-columns:220px minmax(0,1fr) 240px;gap:26px}.mg-item b{font-size:14px}.mg-cols{gap:8px 24px}}
@media (max-width:1180px){.hdr .mg-wrap{grid-template-columns:220px minmax(0,1fr)}.mg-side{display:none}}
.mnav .mhome{font-weight:700}
.mlinks{display:flex;flex-wrap:wrap;gap:4px 14px;padding:4px 20px 8px;font-size:13px}
.mlinks a{display:inline-flex;align-items:center;gap:6px;color:var(--ink-soft);text-decoration:none;font-weight:600;padding:6px 0;border:0}
.mlinks a svg{width:14px;height:14px;color:var(--brand)}
.mphone{display:flex;align-items:center;gap:8px;padding:10px 20px 24px;color:var(--brand);font-weight:700;text-decoration:none;border:0}
.mphone svg{width:16px;height:16px}

/* ---------- hero video: a background clip, or the "split" layout with the clip in the frame beside the copy ---------- */
.hero video.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% center;z-index:-2;background:var(--ink)}
.hero.hero-split{background:var(--paper);color:var(--ink);min-height:0}
.hero.hero-split::after{background:radial-gradient(55% 70% at 88% 18%,rgba(6,106,171,.16),transparent 62%),radial-gradient(45% 60% at 8% 92%,rgba(6,106,171,.1),transparent 60%),linear-gradient(180deg,#fff 0%,var(--paper) 100%)}
.hero.hero-split .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,600px);gap:56px;align-items:center;padding-block:56px 52px}
.hero.hero-split h1{color:var(--ink)}
.hero.hero-split .sub{color:var(--ink-soft)}
.hero.hero-split .eyebrow.light{color:var(--brand)}
.hero.hero-split .crumb,.hero.hero-split .crumb a{color:var(--muted)}
.hero.hero-split .btn-outline{color:var(--ink);border-color:rgba(11,35,65,.22)}
.hero.hero-split .btn-outline:hover{border-color:var(--ink);background:rgba(11,35,65,.05)}
.hero.hero-split .glow{--halo:rgba(6,106,171,.38)}
.hero.hero-split .ppill{background:#fff;border-color:var(--line);color:var(--ink);box-shadow:0 2px 6px rgba(11,35,65,.05)}
.hero.hero-split .ppill small{color:var(--muted)}
.hero.hero-split .ppill .pic{color:var(--brand)}
.hero-media{margin:0;min-width:0;position:relative}
.hero-pic{display:block;position:relative;overflow:hidden;aspect-ratio:4/3;border-radius:120px 24px 120px 24px;box-shadow:0 34px 70px -20px rgba(10,40,80,.35);background:var(--tint-2)}
.hero-pic video,.hero-pic img{width:100%;height:100%;object-fit:cover;display:block}
@media (max-width:980px){.hero.hero-split .wrap{grid-template-columns:1fr;gap:32px}.hero-media{max-width:620px}}
@media (max-width:700px){.hero-pic{border-radius:64px 16px 64px 16px}.hero.hero-split .wrap{padding-block:40px 36px}}

/* mobile sheet: each service group inside a hub opens on its own */
.mnav .mgroup .mgsub{background:var(--tint-1)}
.mnav .mgroup .mgsub>summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:10px;padding:13px 20px;font-size:12px;letter-spacing:.09em;text-transform:uppercase;font-weight:800;color:var(--ink-soft);cursor:pointer;border-bottom:1px solid var(--line)}
.mnav .mgroup .mgsub>summary::-webkit-details-marker{display:none}
.mnav .mgroup .mgsub>summary span{font-weight:700;letter-spacing:0;font-size:12px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:999px;min-width:24px;height:24px;display:inline-flex;align-items:center;justify-content:center;padding:0 7px;margin-left:auto}
.mnav .mgroup .mgsub>summary::after{content:"+";color:var(--brand);font-size:20px;line-height:1;font-weight:500}
.mnav .mgroup .mgsub[open]>summary::after{content:"\2212"}
.mnav .mgroup .mgsub[open]>summary{color:var(--brand)}
.mnav .mgroup .mgsub a{padding-left:30px;background:#fff}

/* Popular badge (blue) and the See more fold in the mega menus */
.mnew.pop{background:var(--brand-soft);color:var(--brand)}
.mnav .mgroup a .mnew{vertical-align:middle;margin-left:8px}
.mg-more[hidden]{display:none}
.mg-seemore{display:inline-flex;align-items:center;gap:6px;margin:4px 0 0;padding:6px 8px;border:0;background:transparent;font:inherit;font-size:13.5px;font-weight:700;color:var(--brand);cursor:pointer;border-radius:8px}
.mg-seemore small{font-size:11px;font-weight:800;background:var(--brand-soft);color:var(--brand);border-radius:999px;padding:2px 7px}
.mg-seemore svg{width:14px;height:14px;transform:rotate(90deg);transition:transform .2s}
.mg-seemore[aria-expanded="true"] svg{transform:rotate(-90deg)}
.mg-seemore:hover{background:var(--tint-1)}

/* sticky header: slides down and settles instead of appearing; the logo shrinks smoothly */
@keyframes hdrin{from{transform:translateY(-100%);box-shadow:none}to{transform:none}}
.hdr.stuck{animation:hdrin .38s cubic-bezier(.2,.7,.2,1) both}
.hdr .logo img{transition:height .25s ease}
@media (prefers-reduced-motion:reduce){.hdr.stuck{animation:none}.hdr .logo img{transition:none}}

/* hero video fallback: when the clip errors or autoplay is refused, a navy to brand gradient sits behind the copy */
.hero.video-off video.bg{display:none}
.hero.video-off{background:radial-gradient(70% 90% at 85% 15%,rgba(6,106,171,.55),transparent 60%),radial-gradient(50% 70% at 15% 95%,rgba(6,106,171,.35),transparent 60%),linear-gradient(135deg,#0B2341 0%,#123A66 55%,#0B2341 100%)}
.hero.video-off::after{background:linear-gradient(to right,rgba(11,35,65,.55) 0%,rgba(11,35,65,.25) 60%,rgba(11,35,65,0) 100%)}