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34px;font-size:15px}#site-header{position:sticky;top:0;z-index:999;background:rgb(255 255 255 / .97);backdrop-filter:blur(10px);border-bottom:1px solid var(--gray-200);transition:box-shadow 0.2s}#site-header.scrolled{box-shadow:var(--shadow)}.nav-wrap{display:flex;align-items:center;justify-content:space-between;height:64px}.site-logo{font-family:'DM Serif Display',serif;font-size:22px;color:var(--navy);text-decoration:none}.site-logo span{color:var(--blue)}.main-nav{display:flex;align-items:center;gap:32px}.main-nav a{font-size:14px;color:var(--gray-600);font-weight:400;transition:color 0.15s}.main-nav a:hover{color:var(--blue)}.main-nav a.active{color:var(--blue);font-weight:500}.nav-cta{background:var(--blue);color:#fff!important;padding:9px 20px;border-radius:7px;font-size:13px;font-weight:500!important}.nav-cta:hover{background:#153e82;color:#fff!important}.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px}.hamburger 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14px;border-radius:20px;margin-bottom:20px;font-family:'DM Sans',sans-serif;font-weight:500}.hero h1{font-size:3rem;color:#fff;line-height:1.1;margin-bottom:18px}.hero h1 em{color:var(--accent);font-style:normal}.hero-desc{font-size:16px;color:rgb(255 255 255 / .65);line-height:1.75;margin-bottom:32px;max-width:480px}.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:44px}.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.hero-stat{background:rgb(255 255 255 / .05);border:1px solid rgb(255 255 255 / .08);border-radius:var(--radius);padding:16px 18px}.hero-stat .num{font-family:'DM Serif Display',serif;font-size:26px;color:var(--accent);display:block}.hero-stat .lbl{font-size:12px;color:rgb(255 255 255 / .45);margin-top:2px;display:block}.hero-calc{background:rgb(255 255 255 / .06);border:1px solid rgb(255 255 255 / .1);border-radius:var(--radius-lg);padding:28px}.hero-calc-title{font-size:12px;text-transform:uppercase;letter-spacing:.8px;color:rgb(255 255 255 / .45);font-family:'DM Sans',sans-serif;margin-bottom:20px}.mini-field{margin-bottom:16px}.mini-field label{display:flex;justify-content:space-between;font-size:12px;color:rgb(255 255 255 / .5);margin-bottom:7px;font-family:'DM Sans',sans-serif}.mini-field label strong{color:rgb(255 255 255 / .85);font-weight:500}.mini-field select{width:100%;padding:9px 12px;font-size:13px;font-family:'DM Sans',sans-serif;background:rgb(255 255 255 / .08);color:#fff;border:1px solid rgb(255 255 255 / .15);border-radius:7px;outline:none;appearance:none}.mini-field select option{background:var(--navy);color:#fff}input[type="range"]{width:100%;accent-color:var(--accent);cursor:pointer}.hero-calc-result{background:var(--accent);border-radius:9px;padding:16px 20px;margin-top:20px;display:flex;justify-content:space-between;align-items:center}.hero-calc-result .r-label{font-size:12px;color:rgb(13 27 42 / .6);font-family:'DM Sans',sans-serif}.hero-calc-result .r-amount{font-family:'DM Serif 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0.2s;background:#fff}.guide-card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}.guide-thumb{height:150px;display:flex;align-items:center;justify-content:center;font-size:44px}.guide-thumb.auto{background:linear-gradient(135deg,#dce8fa,#b8d4f5)}.guide-thumb.home{background:linear-gradient(135deg,#d5eee2,#a8dcc0)}.guide-thumb.money{background:linear-gradient(135deg,#fdf0d5,#f9d98a)}.guide-thumb.compare{background:linear-gradient(135deg,#e8e0f8,#c8b5ee)}.guide-body{padding:20px}.guide-tag{font-size:11px;text-transform:uppercase;letter-spacing:.8px;font-weight:500;color:var(--blue);margin-bottom:7px;font-family:'DM Sans',sans-serif}.guide-card h3{font-size:1rem;margin-bottom:8px;line-height:1.4}.guide-card p{font-size:13px;line-height:1.6;margin-bottom:14px}.guide-card .read-more{font-size:13px;color:var(--blue);font-weight:500;display:inline-flex;align-items:center;gap:4px;font-family:'DM Sans',sans-serif}.guide-card .read-more:hover{gap:8px}.proscons-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.pros-box,.cons-box{border-radius:var(--radius);padding:20px 22px}.pros-box{background:var(--green-light)}.cons-box{background:var(--red-light)}.pros-box h4{color:var(--green);font-size:13px;text-transform:uppercase;letter-spacing:.8px;margin-bottom:12px;font-family:'DM Sans',sans-serif;font-weight:600}.cons-box h4{color:var(--red);font-size:13px;text-transform:uppercase;letter-spacing:.8px;margin-bottom:12px;font-family:'DM Sans',sans-serif;font-weight:600}.pros-box ul,.cons-box ul{list-style:none;padding:0}.pros-box li,.cons-box li{font-size:13px;padding:5px 0;display:flex;gap:8px;align-items:flex-start;line-height:1.5}.pros-box li{color:#155b38}.cons-box li{color:#922b21}.check-icon{color:var(--green);font-weight:700;flex-shrink:0}.cross-icon{color:var(--red);font-weight:700;flex-shrink:0}.compare-wrap{overflow-x:auto;border-radius:var(--radius-lg);border:1px solid var(--gray-200);box-shadow:var(--shadow-sm)}table.compare{width:100%;border-collapse:collapse;min-width:600px}table.compare thead tr{background:var(--navy)}table.compare thead th{padding:14px 18px;font-size:12px;font-weight:400;color:rgb(255 255 255 / .65);text-align:left;font-family:'DM Sans',sans-serif;white-space:nowrap}table.compare tbody tr{border-bottom:1px solid var(--gray-100);transition:background 0.15s}table.compare tbody tr:last-child{border-bottom:none}table.compare tbody tr:hover{background:var(--gray-50)}table.compare td{padding:15px 18px;font-size:14px;color:var(--gray-600);font-family:'DM Sans',sans-serif}table.compare td.name{font-weight:500;color:var(--navy)}.stars{color:var(--accent);letter-spacing:-1px}.badge{display:inline-block;font-size:11px;padding:3px 10px;border-radius:20px;font-weight:500;font-family:'DM 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0.2s;background:#fff0;color:var(--gray-600)}.calc-tab.active{background:#fff;color:var(--blue);box-shadow:var(--shadow-sm)}.calc-body{padding:48px 0 72px}.calc-grid{display:grid;grid-template-columns:1fr 380px;gap:32px;align-items:start}.calc-inputs{background:#fff;border-radius:var(--radius-lg);padding:28px;border:1px solid var(--gray-200);box-shadow:var(--shadow-sm)}.calc-inputs h3{font-size:13px;text-transform:uppercase;letter-spacing:.8px;color:var(--gray-400);margin-bottom:24px;font-family:'DM Sans',sans-serif}.field-group{margin-bottom:20px}.field-group label{display:flex;justify-content:space-between;font-size:13px;color:var(--gray-600);margin-bottom:8px;font-family:'DM Sans',sans-serif}.field-group label strong{color:var(--gray-900);font-weight:500}.field-group select{width:100%;padding:10px 14px;font-size:14px;font-family:'DM Sans',sans-serif;border:1.5px solid var(--gray-200);border-radius:8px;background:#fff;color:var(--gray-900);outline:none;appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239aa3ad' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;cursor:pointer}.field-group select:focus{border-color:var(--blue)}.divider-label{font-size:11px;text-transform:uppercase;letter-spacing:.8px;color:var(--gray-400);margin:24px 0 14px;border-top:1px solid var(--gray-100);padding-top:20px;font-family:'DM Sans',sans-serif}.toggle-row{display:flex;align-items:center;justify-content:space-between;padding:9px 0;font-size:13px;color:var(--gray-600);font-family:'DM Sans',sans-serif}.toggle{position:relative;width:40px;height:22px;flex-shrink:0}.toggle input{opacity:0;width:0;height:0}.tog-slider{position:absolute;inset:0;background:var(--gray-300);border-radius:22px;cursor:pointer;transition:0.2s}.tog-slider::before{content:'';position:absolute;width:16px;height:16px;left:3px;top:3px;background:#fff;border-radius:50%;transition:0.2s}.toggle input:checked+.tog-slider{background:var(--blue)}.toggle input:checked+.tog-slider::before{transform:translateX(18px)}.calc-result{background:var(--navy);border-radius:var(--radius-lg);padding:28px;position:sticky;top:80px}.result-label{font-size:12px;text-transform:uppercase;letter-spacing:.8px;color:rgb(255 255 255 / .4);margin-bottom:6px;font-family:'DM Sans',sans-serif}.result-amount{font-family:'DM Serif Display',serif;font-size:48px;color:#fff;line-height:1;margin-bottom:4px}.result-annual{font-size:13px;color:rgb(255 255 255 / .4);margin-bottom:22px;font-family:'DM Sans',sans-serif}.savings-note{background:rgb(255 255 255 / .06);border-radius:7px;padding:10px 14px;font-size:13px;color:rgb(150 240 180 / .9);margin-bottom:20px;font-family:'DM Sans',sans-serif;display:none}.breakdown{border-top:1px solid rgb(255 255 255 / .1);padding-top:18px;margin-bottom:22px}.breakdown-row{display:flex;justify-content:space-between;padding:7px 0;font-size:13px;font-family:'DM Sans',sans-serif}.breakdown-row .bk{color:rgb(255 255 255 / .5)}.breakdown-row .bv{color:rgb(255 255 255 / .85);font-weight:500}.result-cta{display:block;width:100%;padding:13px;background:var(--accent);color:var(--navy);font-family:'DM Sans',sans-serif;font-size:14px;font-weight:500;border:none;border-radius:8px;cursor:pointer;text-align:center;margin-bottom:10px;transition:background 0.2s;text-decoration:none}.result-cta:hover{background:var(--accent-dark);color:var(--navy)}.result-cta.secondary{background:rgb(255 255 255 / .08);color:rgb(255 255 255 / .7)}.result-cta.secondary:hover{background:rgb(255 255 255 / .14);color:#fff}.result-disclaimer{font-size:11px;color:rgb(255 255 255 / .25);line-height:1.5;margin-top:14px;font-family:'DM Sans',sans-serif}.advisor-page-hero{background:var(--navy);padding:52px 0;text-align:center}.advisor-page-hero h1{color:#fff;margin-bottom:8px}.advisor-page-hero p{color:rgb(255 255 255 / .6);max-width:480px;margin:0 auto}.advisor-wrap{max-width:720px;margin:0 auto;padding:48px 24px 72px}.chat-widget{background:#fff;border-radius:var(--radius-lg);border:1px solid var(--gray-200);box-shadow:var(--shadow);overflow:hidden}.chat-header{background:var(--navy);padding:18px 22px;display:flex;align-items:center;gap:14px}.chat-avatar{width:40px;height:40px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}.chat-header-text h3{font-size:15px;color:#fff;margin:0 0 2px;font-family:'DM Sans',sans-serif;font-weight:500}.chat-header-text p{font-size:12px;color:rgb(255 255 255 / .45);margin:0;font-family:'DM 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.msg-bubble{background:var(--gray-50);color:var(--gray-900);border-bottom-left-radius:3px}.msg.user .msg-bubble{background:var(--navy);color:#fff;border-bottom-right-radius:3px}.typing-indicator{display:flex;align-items:center;gap:5px;padding:12px 16px;background:var(--gray-50);border-radius:12px;border-bottom-left-radius:3px;width:fit-content}.typing-dot{width:7px;height:7px;border-radius:50%;background:var(--gray-400);animation:typingBounce 1.2s infinite}.typing-dot:nth-child(2){animation-delay:0.2s}.typing-dot:nth-child(3){animation-delay:0.4s}@keyframes typingBounce{0%,60%,100%{opacity:.3;transform:scale(.8)}30%{opacity:1;transform:scale(1)}}.chat-suggestions{padding:12px 16px;display:flex;gap:8px;overflow-x:auto;border-top:1px solid var(--gray-100)}.chat-suggestions::-webkit-scrollbar{display:none}.suggestion{background:var(--blue-light);color:var(--blue);border:none;border-radius:20px;padding:6px 14px;font-size:12px;font-family:'DM Sans',sans-serif;cursor:pointer;white-space:nowrap;transition:background 0.15s}.suggestion:hover{background:#d0e4f8}.chat-input-area{padding:14px 16px;border-top:1px solid var(--gray-100);display:flex;gap:10px;align-items:flex-end}.chat-textarea{flex:1;padding:11px 14px;font-size:14px;font-family:'DM Sans',sans-serif;border:1.5px solid var(--gray-200);border-radius:10px;resize:none;outline:none;min-height:44px;max-height:120px;line-height:1.5;color:var(--gray-900)}.chat-textarea:focus{border-color:var(--blue)}.chat-textarea::placeholder{color:var(--gray-400)}.chat-send{width:44px;height:44px;background:var(--blue);border:none;border-radius:10px;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background 0.2s}.chat-send:hover{background:#153e82}.chat-send:disabled{background:var(--gray-200);cursor:not-allowed}.chat-send svg{width:18px;height:18px;fill:#fff}.chat-disclaimer{padding:10px 16px;background:var(--gray-50);border-top:1px solid var(--gray-100);font-size:11px;color:var(--gray-400);text-align:center;font-family:'DM Sans',sans-serif}.partner-hero{background:var(--navy);padding:80px 0 88px;text-align:center;position:relative;overflow:hidden}.partner-hero::before{content:'';position:absolute;top:-30%;left:30%;width:600px;height:600px;background:radial-gradient(circle,rgb(26 79 160 / .3) 0%,transparent 65%)}.partner-hero .container{position:relative}.partner-hero h1{font-size:2.8rem;color:#fff;max-width:700px;margin:0 auto 16px}.partner-hero p{font-size:17px;color:rgb(255 255 255 / .6);max-width:540px;margin:0 auto 36px;line-height:1.75}.stats-band{background:var(--accent);padding:30px 0}.stats-band-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}.stat-item .sn{font-family:'DM Serif Display',serif;font-size:34px;color:var(--navy);display:block}.stat-item .sl{font-size:12px;color:rgb(13 27 42 / .6);font-family:'DM Sans',sans-serif;margin-top:2px}.placements-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.placement-card{border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:26px;background:#fff}.placement-card.featured{border:2px solid var(--blue)}.placement-badge{display:inline-block;font-size:11px;font-weight:500;padding:4px 10px;border-radius:20px;margin-bottom:16px;font-family:'DM Sans',sans-serif}.pb-pop{background:var(--blue-light);color:var(--blue)}.pb-prem{background:var(--green-light);color:var(--green)}.pb-std{background:var(--gray-100);color:var(--gray-600)}.placement-card h3{font-size:1.1rem;margin-bottom:8px}.placement-card p{font-size:13px;line-height:1.6;margin-bottom:18px}.placement-price{font-family:'DM Serif Display',serif;font-size:30px;color:var(--navy)}.placement-price span{font-family:'DM Sans',sans-serif;font-size:13px;color:var(--gray-400)}.placement-features{list-style:none;padding:0;margin-top:16px}.placement-features li{font-size:13px;color:var(--gray-600);padding:5px 0;display:flex;gap:8px;font-family:'DM Sans',sans-serif}.placement-features li::before{content:'→';color:var(--blue);flex-shrink:0}.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.why-card{padding:24px;background:#fff;border-radius:var(--radius-lg);border:1px solid var(--gray-200)}.why-icon{font-size:30px;margin-bottom:14px}.why-card h3{font-size:1rem;margin-bottom:8px}.why-card p{font-size:13px;line-height:1.65;margin:0}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.contact-form-wrap{background:var(--gray-50);border-radius:var(--radius-lg);padding:32px}.contact-form-wrap h3{font-size:1.3rem;margin-bottom:22px}.form-field{margin-bottom:16px}.form-field label{display:block;font-size:12px;color:var(--gray-600);margin-bottom:6px;font-family:'DM Sans',sans-serif}.form-field input,.form-field select,.form-field textarea{width:100%;padding:10px 14px;font-size:14px;font-family:'DM Sans',sans-serif;border:1.5px solid var(--gray-200);border-radius:8px;background:#fff;color:var(--gray-900);outline:none}.form-field textarea{height:90px;resize:vertical}.form-field input:focus,.form-field select:focus,.form-field textarea:focus{border-color:var(--blue)}.form-submit{width:100%;padding:13px;background:var(--blue);color:#fff;font-family:'DM Sans',sans-serif;font-size:14px;font-weight:500;border:none;border-radius:8px;cursor:pointer;transition:background 0.2s}.form-submit:hover{background:#153e82}.contact-info-block h3{font-size:1.3rem;margin-bottom:12px}.contact-info-block p{font-size:14px;line-height:1.75;margin-bottom:24px}.contact-details{list-style:none;padding:0}.contact-details li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid var(--gray-100);font-size:14px;font-family:'DM Sans',sans-serif;color:var(--gray-600)}.contact-details li strong{color:var(--navy);min-width:130px;font-weight:500}.blog-hero{background:var(--navy);padding:52px 0}.blog-hero h1{color:#fff;margin-bottom:8px}.blog-hero p{color:rgb(255 255 255 / .6);margin:0}.blog-layout{display:grid;grid-template-columns:1fr 320px;gap:40px;padding:52px 0 80px;align-items:start}.blog-post-card{border:1px solid var(--gray-200);border-radius:var(--radius-lg);overflow:hidden;background:#fff;margin-bottom:22px;display:grid;grid-template-columns:200px 1fr;transition:box-shadow 0.2s}.blog-post-card:hover{box-shadow:var(--shadow)}.blog-post-thumb{height:100%;min-height:150px;display:flex;align-items:center;justify-content:center;font-size:48px}.blog-post-body{padding:22px}.blog-post-meta{font-size:11px;color:var(--gray-400);text-transform:uppercase;letter-spacing:.8px;margin-bottom:8px;font-family:'DM Sans',sans-serif}.blog-post-body h2{font-size:1.25rem;margin-bottom:10px}.blog-post-body p{font-size:14px;line-height:1.65;margin-bottom:14px}.blog-post-body a.read-more{font-size:13px;color:var(--blue);font-weight:500;font-family:'DM Sans',sans-serif}.sidebar-widget{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:22px;margin-bottom:22px}.sidebar-widget h4{font-size:14px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid var(--gray-100)}.sidebar-ad{background:var(--gray-50);border:1px dashed var(--gray-300);border-radius:var(--radius);padding:20px;text-align:center;margin-bottom:22px}.sidebar-ad .ad-tag{font-size:10px;text-transform:uppercase;letter-spacing:1px;color:var(--gray-400);margin-bottom:10px;font-family:'DM Sans',sans-serif}.sidebar-ad .ad-name{font-size:18px;font-weight:500;color:var(--gray-600);margin-bottom:4px;font-family:'DM Sans',sans-serif}.sidebar-ad .ad-sub{font-size:12px;color:var(--gray-400);margin-bottom:14px;font-family:'DM Sans',sans-serif}.post-hero{background:var(--navy);padding:52px 0 44px}.post-meta-tag{display:inline-block;background:rgb(232 160 32 / .15);color:var(--accent);font-size:11px;text-transform:uppercase;letter-spacing:1px;padding:4px 12px;border-radius:20px;margin-bottom:16px;font-family:'DM Sans',sans-serif}.post-hero h1{color:#fff;font-size:2.4rem;max-width:720px;margin-bottom:14px}.post-meta{font-size:13px;color:rgb(255 255 255 / .45);font-family:'DM Sans',sans-serif}.post-layout{display:grid;grid-template-columns:1fr 300px;gap:40px;padding:52px 0 80px;align-items:start}.post-content{font-size:16px;line-height:1.8}.post-content h2{font-size:1.6rem;color:var(--navy);margin:36px 0 14px}.post-content h3{font-size:1.25rem;margin:28px 0 12px}.post-content p{color:var(--gray-600);margin-bottom:1.25rem}.post-content ul,.post-content ol{margin-bottom:1.25rem;color:var(--gray-600)}.post-content li{margin-bottom:6px;line-height:1.7}.post-content .callout{background:var(--blue-light);border-left:3px solid var(--blue);border-radius:0 8px 8px 0;padding:16px 20px;margin:28px 0}.post-content .callout p{color:var(--blue);margin:0;font-size:15px}.post-content .cta-inline{background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px 28px;margin:36px 0;text-align:center}.post-content .cta-inline p{color:rgb(255 255 255 / .7);margin-bottom:14px}.site-footer{background:var(--navy);padding:52px 0 28px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:44px}.footer-brand .logo{font-family:'DM Serif Display',serif;font-size:22px;color:#fff;margin-bottom:12px;display:block}.footer-brand .logo span{color:var(--accent)}.footer-brand p{font-size:13px;color:rgb(255 255 255 / .4);line-height:1.7;max-width:260px}.footer-col h5{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:rgb(255 255 255 / .35);margin-bottom:16px;font-family:'DM Sans',sans-serif;font-weight:500}.footer-col ul{list-style:none;padding:0}.footer-col li{margin-bottom:9px}.footer-col a{font-size:14px;color:rgb(255 255 255 / .55);transition:color 0.15s}.footer-col a:hover{color:rgb(255 255 255 / .9)}.footer-bottom{border-top:1px solid rgb(255 255 255 / .08);padding-top:22px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}.footer-bottom p{font-size:12px;color:rgb(255 255 255 / .25);margin:0;font-family:'DM Sans',sans-serif}.footer-bottom-links{display:flex;gap:20px}.footer-bottom-links a{font-size:12px;color:rgb(255 255 255 / .3)}@media (max-width:1024px){.hero-inner{grid-template-columns:1fr;max-width:600px}.hero-calc{display:none}.calc-grid{grid-template-columns:1fr}.calc-result{position:static}.footer-grid{grid-template-columns:1fr 1fr;gap:32px}.blog-layout,.post-layout{grid-template-columns:1fr}.contact-grid{grid-template-columns:1fr}}@media (max-width:768px){h1{font-size:2rem}h2{font-size:1.6rem}.section{padding:48px 0}.steps-grid,.guides-grid,.placements-grid,.why-grid{grid-template-columns:1fr}.stats-band-inner{grid-template-columns:1fr 1fr}.hero-stats{grid-template-columns:1fr 1fr}.hero h1{font-size:2.2rem}.blog-post-card{grid-template-columns:1fr}.blog-post-thumb{height:120px}.proscons-grid{grid-template-columns:1fr}.partner-hero h1{font-size:2rem}.footer-grid{grid-template-columns:1fr}}.a{fill:#001d39}.b{fill:#985e23}