@charset "UTF-8";

:root{
  --clr-bg:#faf8f4;
  --clr-surface:#ffffff;
  --clr-surface-alt:#f2eee5;
  --clr-navy:#132c46;
  --clr-navy-dark:#0a1c2e;
  --clr-navy-light:#1f4066;
  --clr-gold:#c8903f;
  --clr-gold-light:#e0ac63;
  --clr-sage:#6f9585;
  --clr-sage-light:#9dbcae;
  --clr-text:#2a323c;
  --clr-text-soft:#5c6570;
  --clr-border:#e6e1d6;

  --radius-sm:8px;
  --radius-md:14px;
  --radius-lg:24px;
  --radius-xl:32px;
  --radius-full:999px;

  --shadow-sm: 0 1px 2px rgba(19,44,70,.07), 0 1px 1px rgba(19,44,70,.04);
  --shadow-md: 0 6px 16px rgba(19,44,70,.09), 0 2px 6px rgba(19,44,70,.06);
  --shadow-lg: 0 16px 40px rgba(19,44,70,.14), 0 4px 10px rgba(19,44,70,.08);
  --shadow-xl: 0 28px 70px rgba(19,44,70,.18), 0 10px 20px rgba(19,44,70,.1);

  --ease: cubic-bezier(.4,0,.2,1);
  --tr: .3s var(--ease);
  --container: 1220px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;overflow-x:hidden;}
body{
  margin:0;
  font-family:'Onest',sans-serif;
  color:var(--clr-text);
  background:var(--clr-bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;border-radius:var(--radius-md);}
a{color:inherit;text-decoration:none;}
ul{list-style:none;margin:0;padding:0;}
h1,h2,h3,h4{margin:0 0 .5em;font-weight:700;line-height:1.15;letter-spacing:-.01em;}
p{margin:0 0 1em;color:var(--clr-text-soft);}
button{font-family:inherit;cursor:pointer;border:none;background:none;}
input,select,textarea{font-family:inherit;}

.sec-inner{max-width:var(--container);margin-inline:auto;padding-inline:clamp(1.25rem,4vw,2.5rem);}

.eyebrow{
  display:inline-block;
  font-size:.8rem;
  font-weight:600;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--clr-gold);
  margin-bottom:.9rem;
}
.eyebrow-light{color:var(--clr-gold-light);}


.btn{
  display:inline-flex;align-items:center;gap:.6rem;
  padding-block:.85rem;padding-inline:1.7rem;
  border-radius:var(--radius-full);
  font-weight:600;font-size:.95rem;
  transition:transform var(--tr), box-shadow var(--tr), background var(--tr), color var(--tr);
  min-height:44px;
  white-space:nowrap;
}
.btn:active{transform:scale(.97);}
.btn-primary{background:var(--clr-gold);color:#241505;box-shadow:var(--shadow-md);}
.btn-primary:hover{background:color-mix(in srgb, var(--clr-gold) 88%, black 6%);box-shadow:var(--shadow-lg);transform:translateY(-2px);}
.btn-outline{border:1.5px solid var(--clr-navy);color:var(--clr-navy);}
.btn-outline:hover{background:var(--clr-navy);color:#fff;transform:translateY(-2px);}
.btn-outline-light{border:1.5px solid rgba(255,255,255,.6);color:#fff;}
.btn-outline-light:hover{background:#fff;color:var(--clr-navy);transform:translateY(-2px);}
.btn-light{background:#fff;color:var(--clr-navy);box-shadow:var(--shadow-md);}
.btn-light:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);}
.btn.full{width:100%;justify-content:center;}
.btn.sm{padding-block:.6rem;padding-inline:1.2rem;font-size:.85rem;}


.hdr{
  position:sticky;top:0;z-index:100;
  background:var(--clr-navy-dark);
  transition:box-shadow .25s var(--ease);
}
.hdr-inner{
  max-width:var(--container);margin-inline:auto;
  padding-inline:clamp(1.25rem,4vw,2.5rem);
  display:flex;align-items:center;justify-content:space-between;
  height:74px;
}
.hdr-logo{display:flex;align-items:center;gap:.6rem;font-weight:700;font-size:1.15rem;color:#fff;}
.hdr-nav{display:flex;gap:1.9rem;}
.hdr-nav a{
  color:rgba(255,255,255,.78);font-size:.92rem;font-weight:500;
  position:relative;padding-block:.3rem;
  transition:color var(--tr);
}
.hdr-nav a::after{
  content:'';position:absolute;inset-inline:0;bottom:-4px;height:2px;
  background:var(--clr-gold);transform:scaleX(0);transform-origin:left;
  transition:transform var(--tr);
}
.hdr-nav a:hover,.hdr-nav a.is-active{color:#fff;}
.hdr-nav a:hover::after,.hdr-nav a.is-active::after{transform:scaleX(1);}
.hdr-cta{
  background:var(--clr-gold);color:#241505;font-weight:600;font-size:.9rem;
  padding-block:.65rem;padding-inline:1.4rem;border-radius:var(--radius-full);
  transition:background var(--tr), transform var(--tr);
}
.hdr-cta:hover{background:var(--clr-gold-light);transform:translateY(-1px);}
.hdr-toggle{
  display:none;color:#fff;font-size:1.3rem;
  width:44px;height:44px;align-items:center;justify-content:center;
  border-radius:var(--radius-sm);transition:background var(--tr);
}
.hdr-toggle:hover{background:rgba(255,255,255,.1);}


.msheet-overlay{
  position:fixed;inset:0;background:rgba(10,20,32,.55);
  opacity:0;visibility:hidden;transition:opacity .3s var(--ease), visibility .3s;
  z-index:150;
}
.msheet-overlay.open{opacity:1;visibility:visible;}
.msheet{
  position:fixed;left:0;right:0;bottom:0;z-index:151;
  background:var(--clr-surface);
  border-radius:var(--radius-xl) var(--radius-xl) 0 0;
  padding:1rem 1.5rem 2.2rem;
  transform:translateY(100%);
  transition:transform .35s cubic-bezier(.32,.72,0,1);
  box-shadow:var(--shadow-xl);
  max-height:80vh;overflow-y:auto;
}
.msheet.open{transform:translateY(0);}
.msheet-handle{
  width:44px;height:5px;border-radius:var(--radius-full);
  background:var(--clr-border);margin:.4rem auto 1.4rem;
}
.msheet-links{display:flex;flex-direction:column;gap:.3rem;}
.msheet-links a{
  display:flex;align-items:center;gap:1rem;
  padding-block:1rem;padding-inline:.6rem;
  font-weight:600;font-size:1.02rem;color:var(--clr-navy);
  border-radius:var(--radius-md);
  transition:background var(--tr);
  min-height:44px;
}
.msheet-links a i{width:22px;color:var(--clr-gold);font-size:1.05rem;}
.msheet-links a:hover{background:var(--clr-surface-alt);}


.hero{
  position:relative;overflow:hidden;
  padding-block:clamp(3.5rem,8vw,6.5rem) clamp(3rem,7vw,5rem);
  background:linear-gradient(180deg, var(--clr-surface) 0%, var(--clr-bg) 100%);
}
.hero-shapes{position:absolute;inset:0;z-index:0;pointer-events:none;}
.hs{position:absolute;border-radius:50%;filter:blur(2px);opacity:.35;}
.hs-1{width:340px;height:340px;background:var(--clr-gold-light);top:-90px;right:8%;opacity:.25;}
.hs-2{width:220px;height:220px;background:var(--clr-sage-light);bottom:-60px;left:2%;opacity:.3;}
.hs-3{width:150px;height:150px;background:var(--clr-navy-light);top:40%;right:28%;opacity:.12;}
.hero-inner{
  position:relative;z-index:1;
  max-width:var(--container);margin-inline:auto;
  padding-inline:clamp(1.25rem,4vw,2.5rem);
  display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,4rem);align-items:center;
}
.hero-txt h1{font-size:clamp(2.1rem,5vw,3.4rem);color:var(--clr-navy);margin-bottom:1.1rem;}
.hero-txt p{font-size:1.08rem;max-width:520px;margin-bottom:1.8rem;}
.hero-cta{display:flex;gap:1rem;flex-wrap:wrap;}
.hero-img img{
  border-radius:var(--radius-lg);box-shadow:var(--shadow-xl);
  aspect-ratio:7/8;object-fit:cover;width:100%;
}


.sec{padding-block:clamp(3.5rem,7vw,6rem);}
.sec-alt{background:var(--clr-surface-alt);}
.sec-dark{background:var(--clr-navy-dark);color:#fff;}
.sec-hd{max-width:760px;margin-bottom:clamp(2rem,5vw,3.2rem);}
.sec-title{font-size:clamp(1.7rem,3.6vw,2.5rem);color:var(--clr-navy);}
.sec-dark .sec-title{color:#fff;}
.sec-sub{font-size:1.05rem;}

.intro-band{padding-block:2.6rem;}
.intro-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.6rem;}
.intro-pt{display:flex;flex-direction:column;align-items:flex-start;gap:.7rem;}
.intro-pt i{font-size:1.5rem;color:var(--clr-gold);}
.intro-pt p{margin:0;font-size:.92rem;color:var(--clr-text);}


.crd-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;
  container-type:inline-size;
}
.crd-grid.four{grid-template-columns:repeat(4,1fr);}
.crd-grid.three{grid-template-columns:repeat(3,1fr);}
.crd{
  background:var(--clr-surface);
  border:1px solid var(--clr-border);
  border-radius:var(--radius-lg);
  padding:2rem 1.7rem;
  box-shadow:var(--shadow-sm);
  transition:transform var(--tr), box-shadow var(--tr), border-color var(--tr);
}
.crd:hover{
  transform:translateY(-6px);
  box-shadow:var(--shadow-lg);
  border-color:transparent;
}
.crd-ico{
  width:54px;height:54px;border-radius:var(--radius-md);
  background:color-mix(in srgb, var(--clr-gold) 14%, white);
  display:flex;align-items:center;justify-content:center;
  font-size:1.4rem;color:var(--clr-gold);
  margin-bottom:1.2rem;
  transition:background var(--tr), transform var(--tr);
}
.crd:hover .crd-ico{transform:scale(1.08) rotate(-3deg);}
.crd-ttl{font-size:1.15rem;color:var(--clr-navy);margin-bottom:.5rem;}
.crd-txt{margin:0;font-size:.95rem;}


.glass-sec{position:relative;overflow:hidden;color:#fff;}
.glass-bg{
  position:absolute;inset:0;background-size:cover;background-position:center;
}
.glass-bg::after{
  content:'';position:absolute;inset:0;
  background:linear-gradient(120deg, rgba(10,28,46,.92), rgba(10,28,46,.65));
}
.glass-wrap{position:relative;z-index:1;display:flex;justify-content:flex-start;}
.glass-pnl{
  max-width:620px;
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.18);
  border-radius:var(--radius-lg);
  padding:clamp(2rem,5vw,3rem);
  backdrop-filter:blur(16px) saturate(140%);
  -webkit-backdrop-filter:blur(16px) saturate(140%);
  box-shadow:var(--shadow-xl);
}
.glass-pnl h2{font-size:clamp(1.6rem,3.4vw,2.2rem);margin-bottom:1rem;}
.glass-pnl p{color:rgba(255,255,255,.85);}


.tln{display:grid;grid-template-columns:repeat(4,1fr);gap:1.8rem;}
.tln-step{position:relative;padding-top:1rem;border-top:3px solid var(--clr-gold);}
.tln-num{font-size:1.8rem;font-weight:800;color:var(--clr-navy);opacity:.25;display:block;margin-bottom:.6rem;}
.tln-step h3{font-size:1.1rem;color:var(--clr-navy);margin-bottom:.4rem;}
.tln-step p{font-size:.93rem;margin:0;}


.para-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,3.5rem);align-items:center;}
.para-grid.rev .para-txt{order:2;}
.para-grid.rev .para-img{order:1;}
.para-img img{aspect-ratio:5/6;object-fit:cover;box-shadow:var(--shadow-lg);}
.para-txt h2{margin-top:0;}
.para-list{display:flex;flex-direction:column;gap:1rem;margin-top:1.2rem;}
.para-list li{display:flex;align-items:flex-start;gap:.8rem;color:var(--clr-text);font-size:.98rem;}
.para-list li i{color:var(--clr-gold);margin-top:.2rem;font-size:1.05rem;flex:none;}


.fmt-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.6rem;}
.fmt-crd{
  background:var(--clr-surface);border-radius:var(--radius-lg);
  overflow:hidden;border:1px solid var(--clr-border);
  box-shadow:var(--shadow-sm);transition:box-shadow var(--tr), transform var(--tr);
}
.fmt-crd:hover{box-shadow:var(--shadow-lg);transform:translateY(-5px);}
.fmt-crd img{border-radius:0;aspect-ratio:4/3;object-fit:cover;width:100%;}
.fmt-body{padding:1.4rem 1.5rem;}
.fmt-body h3{font-size:1.05rem;color:var(--clr-navy);margin-bottom:.4rem;}
.fmt-body p{margin:0;font-size:.92rem;}


.faq-list{display:flex;flex-direction:column;gap:.9rem;max-width:800px;}
.faq-item{
  background:var(--clr-surface);border:1px solid var(--clr-border);
  border-radius:var(--radius-md);padding:1.1rem 1.4rem;
  transition:box-shadow var(--tr);
}
.faq-item:hover{box-shadow:var(--shadow-sm);}
.faq-item summary{
  cursor:pointer;font-weight:600;color:var(--clr-navy);
  list-style:none;position:relative;padding-inline-end:2rem;
  min-height:24px;display:flex;align-items:center;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{
  content:'\f078';font-family:'Font Awesome 6 Free';font-weight:900;
  position:absolute;inset-inline-end:0;color:var(--clr-gold);
  transition:transform var(--tr);
}
.faq-item[open] summary::after{transform:rotate(180deg);}
.faq-item p{margin-top:.8rem;margin-bottom:0;font-size:.95rem;}


.cta-band{background:var(--clr-navy);color:#fff;position:relative;overflow:hidden;}
.cta-inner{text-align:center;max-width:640px;margin-inline:auto;}
.cta-band h2{font-size:clamp(1.7rem,3.6vw,2.4rem);margin-bottom:.8rem;}
.cta-band p{color:rgba(255,255,255,.82);margin-bottom:1.8rem;}
.cta-actions{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap;}


.pg-hero{
  padding-block:clamp(3rem,7vw,5rem) clamp(2rem,5vw,3rem);
  background:linear-gradient(180deg,#fff, var(--clr-bg));
  text-align:left;
}
.pg-hero h1{font-size:clamp(1.9rem,4.6vw,3rem);color:var(--clr-navy);max-width:820px;}
.pg-hero p{max-width:680px;font-size:1.05rem;}


.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.6rem;}
.step-crd{
  background:var(--clr-surface);border-radius:var(--radius-lg);
  border:1px solid var(--clr-border);padding:1.8rem 1.5rem;
  box-shadow:var(--shadow-sm);transition:transform var(--tr), box-shadow var(--tr);
}
.step-crd:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);}
.step-n{
  display:inline-flex;align-items:center;justify-content:center;
  width:38px;height:38px;border-radius:50%;
  background:var(--clr-gold);color:#241505;font-weight:800;margin-bottom:1rem;
}
.step-crd h3{font-size:1.05rem;color:var(--clr-navy);margin-bottom:.5rem;}
.step-crd p{font-size:.92rem;margin:0;}


.eval-list{display:grid;grid-template-columns:repeat(2,1fr);gap:1.6rem;}
.eval-block{
  background:var(--clr-surface);border-radius:var(--radius-lg);
  border:1px solid var(--clr-border);padding:1.8rem;
  box-shadow:var(--shadow-sm);transition:box-shadow var(--tr);
}
.eval-block:hover{box-shadow:var(--shadow-md);}
.eval-hd{display:flex;align-items:center;gap:.8rem;margin-bottom:1rem;}
.eval-hd i{color:var(--clr-gold);font-size:1.3rem;}
.eval-hd h3{margin:0;font-size:1.1rem;color:var(--clr-navy);}
.eval-block ul{display:flex;flex-direction:column;gap:.7rem;}
.eval-block li{
  font-size:.94rem;color:var(--clr-text-soft);padding-inline-start:1.2rem;
  position:relative;
}
.eval-block li::before{
  content:'';position:absolute;inset-inline-start:0;top:.55em;
  width:6px;height:6px;border-radius:50%;background:var(--clr-sage);
}


.contact-grid{display:grid;grid-template-columns:1.3fr .9fr;gap:2.5rem;align-items:start;}
.frm-pnl{
  background:var(--clr-surface);border-radius:var(--radius-lg);
  padding:clamp(1.8rem,4vw,2.6rem);box-shadow:var(--shadow-md);
  border:1px solid var(--clr-border);
}
.frm-pnl.glass{
  background:color-mix(in srgb, var(--clr-surface) 88%, transparent);
  backdrop-filter:blur(10px);
}
.frm-pnl h2{color:var(--clr-navy);font-size:1.5rem;}
.frm-note{font-size:.85rem;color:var(--clr-text-soft);margin-bottom:1.4rem;}
.frm-row{margin-bottom:1.2rem;display:flex;flex-direction:column;gap:.45rem;}
.frm-row label{font-size:.88rem;font-weight:600;color:var(--clr-navy);}
.frm-row input,.frm-row select,.frm-row textarea{
  border:1.5px solid var(--clr-border);border-radius:var(--radius-sm);
  padding:.8rem 1rem;font-size:.95rem;color:var(--clr-text);
  background:#fff;transition:border-color var(--tr), box-shadow var(--tr);
  min-height:44px;
}
.frm-row textarea{min-height:120px;resize:vertical;}
.frm-row input:focus,.frm-row select:focus,.frm-row textarea:focus{
  outline:none;border-color:var(--clr-gold);
  box-shadow:0 0 0 4px color-mix(in srgb, var(--clr-gold) 18%, transparent);
}
.frm-check{flex-direction:row;align-items:flex-start;gap:.7rem;}
.frm-check input{width:20px;height:20px;flex:none;margin-top:.15rem;accent-color:var(--clr-gold);}
.frm-check label{font-weight:400;font-size:.88rem;color:var(--clr-text-soft);}
.frm-check a{color:var(--clr-navy);text-decoration:underline;}
.frm-err{color:#b3261e;font-size:.85rem;margin-top:.8rem;min-height:1em;}

.contact-info{display:flex;flex-direction:column;gap:1.1rem;}
.info-crd{
  display:flex;gap:1rem;align-items:flex-start;
  background:var(--clr-surface);border:1px solid var(--clr-border);
  border-radius:var(--radius-md);padding:1.3rem;
  box-shadow:var(--shadow-sm);transition:box-shadow var(--tr), transform var(--tr);
}
.info-crd:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);}
.info-crd i{font-size:1.2rem;color:var(--clr-gold);margin-top:.15rem;}
.info-crd h4{margin:0 0 .3rem;font-size:.98rem;color:var(--clr-navy);}
.info-crd p{margin:0;font-size:.9rem;}

.map-wrap{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg);border:1px solid var(--clr-border);}


.thanks-sec{padding-block:clamp(4rem,10vw,7rem);}
.thanks-wrap{text-align:center;max-width:520px;margin-inline:auto;}
.thanks-ico{font-size:4.2rem;color:var(--clr-sage);margin-bottom:1.2rem;}
.thanks-wrap h1{color:var(--clr-navy);font-size:clamp(1.8rem,4vw,2.5rem);}


.legal-sec{padding-block:clamp(2.5rem,6vw,4rem);}
.legal-wrap{display:grid;grid-template-columns:260px 1fr;gap:3rem;align-items:start;}
.legal-toc{
  position:sticky;top:100px;
  background:var(--clr-surface);border:1px solid var(--clr-border);
  border-radius:var(--radius-md);padding:1.4rem;box-shadow:var(--shadow-sm);
}
.legal-toc-ttl{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--clr-text-soft);margin-bottom:.8rem;font-weight:700;}
.legal-toc nav{display:flex;flex-direction:column;gap:.15rem;}
.legal-toc nav a{
  font-size:.88rem;color:var(--clr-text-soft);padding:.55rem .7rem;
  border-radius:var(--radius-sm);transition:background var(--tr), color var(--tr);
}
.legal-toc nav a:hover{background:var(--clr-surface-alt);color:var(--clr-navy);}
.legal-toc nav a.active{background:color-mix(in srgb, var(--clr-gold) 15%, white);color:var(--clr-navy);font-weight:600;}
.legal-content h1{color:var(--clr-navy);font-size:clamp(1.9rem,4vw,2.6rem);margin-top:.3rem;}
.legal-content h2{color:var(--clr-navy);font-size:1.3rem;margin-top:2.2rem;}
.legal-intro{font-size:1.02rem;margin-bottom:1.6rem;}
.legal-plain{max-width:820px;}
.legal-plain h1{color:var(--clr-navy);font-size:clamp(1.9rem,4vw,2.6rem);}
.legal-plain h2{color:var(--clr-navy);font-size:1.25rem;margin-top:2rem;}


.ftr{background:var(--clr-navy-dark);color:rgba(255,255,255,.78);padding-block:3.5rem 0;}
.ftr-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2.4rem;padding-bottom:2.8rem;}
.ftr-logo{display:flex;align-items:center;gap:.6rem;font-weight:700;font-size:1.1rem;color:#fff;margin-bottom:.9rem;}
.ftr-brand p{font-size:.9rem;color:rgba(255,255,255,.6);max-width:280px;}
.ftr-col h4{color:#fff;font-size:.92rem;margin-bottom:1rem;text-transform:uppercase;letter-spacing:.05em;}
.ftr-col a{display:block;font-size:.9rem;color:rgba(255,255,255,.68);margin-bottom:.7rem;transition:color var(--tr);}
.ftr-col a:hover{color:var(--clr-gold-light);}
.ftr-col p{font-size:.88rem;color:rgba(255,255,255,.68);margin-bottom:.7rem;display:flex;gap:.5rem;align-items:flex-start;}
.ftr-col p i{color:var(--clr-gold);margin-top:.2rem;}
.ftr-sep{height:1px;background:rgba(255,255,255,.1);}
.ftr-bottom{display:flex;justify-content:space-between;align-items:center;padding-block:1.6rem;flex-wrap:wrap;gap:1rem;}
.ftr-bottom p{margin:0;font-size:.85rem;color:rgba(255,255,255,.55);}
.ftr-legal{display:flex;gap:1.4rem;}
.ftr-legal a{font-size:.85rem;color:rgba(255,255,255,.55);transition:color var(--tr);}
.ftr-legal a:hover{color:var(--clr-gold-light);}


.cke{position:fixed;inset-block-end:1.4rem;inset-inline-end:1.4rem;z-index:200;}
.cke-bell{
  width:56px;height:56px;border-radius:50%;
  background:var(--clr-navy);color:#fff;font-size:1.3rem;
  display:flex;align-items:center;justify-content:center;
  box-shadow:var(--shadow-lg);position:relative;
  transition:transform var(--tr), background var(--tr);
}
.cke-bell:hover{transform:scale(1.08);background:var(--clr-navy-light);}
.cke-badge{
  position:absolute;top:-4px;right:-4px;width:14px;height:14px;
  background:var(--clr-gold);border-radius:50%;border:2px solid var(--clr-navy-dark);
  display:none;
}
.cke-badge.show{display:block;}
.cke-panel{
  position:fixed;inset-inline-end:1.4rem;inset-block-end:5.4rem;
  width:min(360px, calc(100vw - 2.8rem));
  background:var(--clr-surface);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-xl);border:1px solid var(--clr-border);
  padding:1.6rem;max-height:70vh;overflow-y:auto;
  transform:translateY(16px) scale(.97);opacity:0;visibility:hidden;
  transition:transform .3s var(--ease), opacity .3s var(--ease), visibility .3s;
}
.cke-panel.open{transform:translateY(0) scale(1);opacity:1;visibility:visible;}
.cke-panel-hd{display:flex;align-items:center;gap:.7rem;margin-bottom:.8rem;}
.cke-panel-hd i{color:var(--clr-gold);font-size:1.2rem;}
.cke-panel-hd h3{margin:0;font-size:1.1rem;color:var(--clr-navy);}
.cke-panel-txt{font-size:.85rem;margin-bottom:1.1rem;}
.cke-panel-txt a{color:var(--clr-navy);text-decoration:underline;}
.cke-cat{border-top:1px solid var(--clr-border);padding-block:.8rem;}
.cke-cat-hd{display:flex;justify-content:space-between;align-items:center;margin-bottom:.35rem;}
.cke-cat-hd span{font-weight:600;font-size:.92rem;color:var(--clr-navy);}
.cke-cat p{margin:0;font-size:.8rem;}
.cke-sw{position:relative;display:inline-block;width:42px;height:24px;flex:none;}
.cke-sw input{opacity:0;width:0;height:0;}
.cke-sw span{
  position:absolute;inset:0;background:var(--clr-border);border-radius:var(--radius-full);
  transition:background var(--tr);cursor:pointer;
}
.cke-sw span::before{
  content:'';position:absolute;width:18px;height:18px;left:3px;top:3px;
  background:#fff;border-radius:50%;transition:transform var(--tr);box-shadow:var(--shadow-sm);
}
.cke-sw input:checked + span{background:var(--clr-gold);}
.cke-sw input:checked + span::before{transform:translateX(18px);}
.cke-sw input:disabled + span{opacity:.6;cursor:not-allowed;}
.cke-actions{display:flex;gap:.7rem;margin-top:1.2rem;}
.cke-actions .btn{flex:1;justify-content:center;}


[data-aos]{will-change:transform, opacity;}


.tippy-box[data-theme~='custom']{
  background:var(--clr-navy-dark);color:#fff;font-size:.82rem;
  border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);
  padding:.2rem;
}
.tippy-box[data-theme~='custom'][data-placement^='top'] > .tippy-arrow::before{border-top-color:var(--clr-navy-dark);}
.tippy-box[data-theme~='custom'][data-placement^='bottom'] > .tippy-arrow::before{border-bottom-color:var(--clr-navy-dark);}


@media (max-width:1080px){
  .crd-grid,.crd-grid.four,.crd-grid.three{grid-template-columns:repeat(2,1fr);}
  .fmt-grid{grid-template-columns:repeat(2,1fr);}
  .tln{grid-template-columns:repeat(2,1fr);}
  .steps-grid{grid-template-columns:repeat(2,1fr);}
  .eval-list{grid-template-columns:1fr;}
  .intro-grid{grid-template-columns:repeat(2,1fr);}
  .ftr-top{grid-template-columns:1fr 1fr;}
  .legal-wrap{grid-template-columns:1fr;}
  .legal-toc{position:static;}
}

@media (max-width:860px){
  .hdr-nav,.hdr-cta{display:none;}
  .hdr-toggle{display:flex;}
  .hero-inner{grid-template-columns:1fr;}
  .hero-img{order:-1;}
  .para-grid,.para-grid.rev{grid-template-columns:1fr;}
  .para-grid.rev .para-txt,.para-grid.rev .para-img{order:0;}
  .contact-grid{grid-template-columns:1fr;}
  .ftr-top{grid-template-columns:1fr;gap:2rem;}
}

@media (max-width:640px){
  .crd-grid,.crd-grid.four,.crd-grid.three{grid-template-columns:1fr;}
  .fmt-grid{grid-template-columns:1fr;}
  .tln{grid-template-columns:1fr;}
  .steps-grid{grid-template-columns:1fr;}
  .intro-grid{grid-template-columns:1fr;}
  .hero-txt h1{font-size:clamp(1.9rem,7vw,2.6rem);}
  .cke{inset-inline-end:1rem;inset-block-end:1rem;}
  .cke-panel{inset-inline-end:1rem;inset-block-end:5rem;}
  .ftr-bottom{flex-direction:column;align-items:flex-start;}
}