:root{
  --deep:#082B2D; --sea:#12B8A8; --mist:#D9F2EF; --cloud:#F7F8F6;
  --steel:#8D9EA0; --gold:#DBA93F; --charcoal:#1A1F24;
  --line:#DCE6E6; --white:#FFFFFF; --ink:#0E2224; --muted:#4A6361;
  --head:'Fustat','Inter',system-ui,sans-serif;
  --body:'Inter',system-ui,sans-serif;
  --mono:'JetBrains Mono',ui-monospace,monospace;
  --nat:url("assets/portrait.jpg");
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--body);background:var(--cloud);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
button{font-family:inherit}
.wrap{max-width:1140px;margin:0 auto;padding:0 30px}
h1,h2,h3,h4{font-family:var(--head);color:var(--deep);letter-spacing:-.01em}
:focus-visible{outline:2px solid var(--sea);outline-offset:3px;border-radius:4px}
.mono{font-family:var(--mono)}
.kick{font-family:var(--head);font-size:12.5px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--sea)}
.sec{padding:78px 0}
.sec h2{font-size:clamp(26px,3.6vw,40px);line-height:1.14;font-weight:700}
.center{text-align:center;max-width:640px;margin:0 auto}
.center .kick{display:inline-flex;align-items:center;gap:10px;margin-bottom:14px}
.center .kick::before{content:"";width:24px;height:2px;background:var(--sea)}
.center .lede{font-size:16.5px;color:var(--muted);margin-top:14px}

/* nav */
.nav{position:sticky;top:0;z-index:30;background:rgba(247,248,246,.9);backdrop-filter:blur(9px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{height:30px;width:auto;display:block}
.navlinks{display:flex;gap:22px;font-size:14.5px;color:var(--muted)}
.navlinks a:hover{color:var(--deep)}
.navlinks a.home{color:var(--deep);font-weight:600}
.navright{display:flex;align-items:center;gap:30px}
.navlinks .off{color:var(--muted);cursor:default}
.brand{cursor:default}
.book{display:inline-flex;align-items:center;background:var(--sea);color:var(--white);font-weight:600;font-size:14.5px;padding:10px 18px;border-radius:9px;border:0;cursor:pointer;transition:background .18s}
.book:hover{background:#0FA595}
@media(max-width:900px){.navlinks{display:none}}

/* buttons */
.btn-lg{display:inline-flex;align-items:center;gap:8px;background:var(--sea);color:var(--white);font-weight:600;font-size:15.5px;padding:14px 26px;border-radius:11px;border:0;cursor:pointer;transition:background .18s,transform .18s}
.btn-lg:hover{background:#0FA595;transform:translateY(-1px)}
.ctacluster{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px;align-items:center}

/* hero */
.hero{padding:70px 0 44px}
.hero .grid{display:grid;grid-template-columns:1.08fr .92fr;gap:48px;align-items:stretch}
.hero .left{display:flex;flex-direction:column;justify-content:flex-start}
.eyebrow{display:inline-flex;align-items:center;gap:11px;font-family:var(--head);font-size:12.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--sea);margin-bottom:20px}
.eyebrow .dash{width:26px;height:2px;background:var(--sea);flex:0 0 auto}
.hero h1{font-size:clamp(34px,5vw,56px);line-height:1.06;font-weight:700;max-width:16ch}
.hero h1 em{font-style:normal;color:var(--sea)}
.hero .sub{font-size:clamp(16px,1.9vw,18.5px);color:var(--muted);max-width:52ch;margin-top:20px}
.hero .sub b{color:var(--deep);font-weight:600}

.herocard{display:flex;flex-direction:column;background:var(--deep);border-radius:20px;overflow:hidden}
.herocard .photo{flex:1 1 auto;min-height:220px;background-image:var(--nat);background-size:cover;background-position:50% 12%;position:relative}
.herocard .photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,43,45,0) 52%,rgba(8,43,45,.92));}
.herocard .cap{position:absolute;left:22px;right:22px;bottom:16px;z-index:2}
.herocard .cap b{font-family:var(--head);color:#fff;font-size:16px;display:block;margin-bottom:2px}
.herocard .cap span{font-size:13px;color:#CDE8E4}
.herocard .stats{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.09)}
.stat{background:var(--deep);padding:14px 20px}
.stat .n{font-family:var(--mono);font-size:19px;color:var(--sea);line-height:1}
.stat .l{font-size:11.5px;color:#A9CFCA;margin-top:5px}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr;gap:32px}.herocard .photo{min-height:360px}}

/* why HK */
.why{background:var(--cloud)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.grid3{grid-template-columns:1fr}}
.pcard{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:28px 26px}
.pcard .ic{width:48px;height:48px;border-radius:12px;background:var(--deep);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.pcard .ic svg{width:23px;height:23px;stroke:var(--mist);fill:none;stroke-width:1.9}
.pcard h3{font-size:19px;margin-bottom:9px}
.pcard p{font-size:14px;color:var(--muted)}
.pcard .tagl{font-family:var(--head);font-weight:600;font-size:13px;color:var(--sea);margin-top:14px}
.secondrow{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:22px}
@media(max-width:820px){.secondrow{grid-template-columns:1fr 1fr}}
.scard{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px}
.scard h4{font-size:15px;margin-bottom:6px}
.scard p{font-size:13px;color:var(--muted)}
.why .band{margin-top:22px;background:var(--mist);border-radius:14px;padding:18px 24px;text-align:center;font-size:14px;color:#28504C}
.why .band .mono{color:var(--deep);font-weight:500}

/* WHY US / trust (dark, before price) */
.trust{background:var(--deep);color:#DCEFEC}
.trust .center .kick{color:var(--sea)}
.trust .center .kick::before{background:var(--sea)}
.trust h2{color:#fff}
.trust .center .lede{color:#A9CFCA}
.trust .cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
@media(max-width:900px){.trust .cards{grid-template-columns:1fr}}
.tcard{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:26px 24px}
.tcard .n{font-family:var(--mono);font-size:12.5px;color:var(--sea);margin-bottom:14px}
.tcard h3{color:#fff;font-size:18px;margin-bottom:9px}
.tcard p{font-size:14px;color:#A9CFCA}
.trust .spec{display:inline-flex;align-items:center;gap:16px;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:16px 22px;margin:30px auto 0}
.trust .specwrap{text-align:center;margin-top:0}
.trust .spec .av{width:60px;height:60px;border-radius:12px;background-image:var(--nat);background-size:cover;background-position:50% 6%;flex:0 0 auto}
.trust .spec .tx{text-align:left}
.trust .spec b{font-family:var(--head);color:#fff;font-size:15px;display:block}
.trust .spec span{font-size:13px;color:#A9CFCA}

/* package */
.pkg{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.pkg .handle{background:var(--mist);border-radius:14px;padding:16px 24px;text-align:center;font-size:15px;color:#28504C;max-width:760px;margin:34px auto 30px}
.pkg .items{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.pkg .items{grid-template-columns:1fr}}
.pitem{background:var(--cloud);border:1px solid var(--line);border-radius:14px;padding:20px 22px;display:flex;gap:13px}
.pitem .ck{width:26px;height:26px;border-radius:8px;background:var(--deep);flex:0 0 auto;display:flex;align-items:center;justify-content:center}
.pitem .ck svg{width:15px;height:15px;stroke:var(--mist);stroke-width:2.4;fill:none}
.pitem h4{font-size:15.5px;margin-bottom:4px}
.pitem p{font-size:13px;color:var(--muted)}
.bankcard{background:var(--cloud);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin-top:18px;display:grid;grid-template-columns:auto 1fr 1fr;gap:24px;align-items:center}
@media(max-width:760px){.bankcard{grid-template-columns:1fr;gap:10px}}
.bankcard .lbl{font-family:var(--head);font-weight:600;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--steel)}
.bankcard h4{font-size:16px;margin-bottom:2px}
.bankcard p{font-size:13.5px;color:var(--muted)}
.bankcard p b{color:var(--deep)}

/* COST consolidated */
.cost{background:var(--cloud)}
.cost .money{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:44px}
@media(max-width:820px){.cost .money{grid-template-columns:1fr}}
.setup{background:var(--deep);border-radius:18px;padding:30px;color:#fff;display:flex;flex-direction:column;justify-content:center;text-align:center}
.setup .amt{font-family:var(--mono);font-size:52px;font-weight:500;line-height:1;color:#fff}
.setup .sub{font-size:14px;color:#A9CFCA;margin-top:10px}
.y2{background:var(--white);border:1px solid var(--line);border-radius:18px;overflow:hidden}
.y2 .h{background:var(--charcoal);color:#fff;font-family:var(--head);font-weight:600;font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;padding:14px 24px}
.y2 .r{display:flex;justify-content:space-between;padding:15px 24px;border-top:1px solid var(--line);font-size:14.5px}
.y2 .r:first-of-type{border-top:0}
.y2 .r .p{font-family:var(--mono);color:var(--deep);font-weight:500}
.taxrow{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:22px}
@media(max-width:820px){.taxrow{grid-template-columns:1fr}}
.taxcard{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:26px 28px}
.taxcard .kick{display:block;margin-bottom:12px}
.taxcard h3{font-size:20px;margin-bottom:14px}
.rate{display:flex;align-items:baseline;gap:16px;padding:9px 0;border-top:1px solid var(--line)}
.rate:first-of-type{border-top:0}
.rate .n{font-family:var(--mono);font-size:22px;color:var(--sea);font-weight:500;min-width:78px}
.rate .d{font-size:13.5px;color:var(--muted)}
.taxcard .note{margin-top:14px;background:var(--mist);border-radius:12px;padding:13px 16px;font-size:12.5px;color:#28504C}
.bigfee{font-family:var(--mono);font-size:34px;color:var(--sea);font-weight:500;line-height:1;margin:8px 0}
.taxcard .lede{font-size:14px;color:var(--muted)}
.cost .fn{font-size:12.5px;color:var(--steel);margin-top:16px;text-align:center;max-width:80ch;margin-left:auto;margin-right:auto}
.cost .cta{text-align:center;margin-top:30px}

/* roadmap condensed */
.road{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.tl{margin-top:44px;position:relative;padding-left:36px;max-width:820px}
.tl::before{content:"";position:absolute;left:9px;top:6px;bottom:6px;width:2px;background:var(--line)}
.node{position:relative;padding-bottom:30px}
.node:last-child{padding-bottom:0}
.node .dot{position:absolute;left:-36px;top:2px;width:20px;height:20px;border-radius:50%;background:var(--white);border:2px solid var(--sea);display:flex;align-items:center;justify-content:center}
.node .dot i{width:8px;height:8px;border-radius:50%;background:var(--sea)}
.node .when{font-family:var(--mono);font-size:12px;color:var(--sea);margin-bottom:3px}
.node h3{font-size:18px;margin-bottom:6px}
.node .lead{font-size:14px;color:var(--muted);max-width:70ch}
.node .chips{display:flex;flex-wrap:wrap;gap:7px;margin-top:10px}
.node .chips span{background:var(--cloud);border:1px solid var(--line);border-radius:8px;padding:5px 10px;font-size:12.5px;color:var(--deep)}

/* documents compact */
.docs .step{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:24px 22px;height:100%}
.docs .step .kick{display:block;margin-bottom:4px}
.docs .step h3{font-size:18px;margin-bottom:12px}
.dl{list-style:none;margin:0;padding:0}
.dl li{position:relative;padding-left:20px;font-size:13.5px;color:var(--deep);margin-bottom:8px}
.dl li::before{content:"";position:absolute;left:0;top:9px;width:10px;height:2px;background:var(--sea)}
.dl li .subs{list-style:none;margin:5px 0 0;padding:0}
.dl li .subs li{font-size:12px;color:var(--muted);padding-left:14px;margin-bottom:3px}
.dl li .subs li::before{width:6px;background:var(--steel);top:8px}
.docs .note{margin-top:20px;background:var(--mist);border-radius:14px;padding:16px 24px;font-size:13px;color:#28504C;text-align:center;max-width:900px;margin-left:auto;margin-right:auto}

/* big CTA */
.bigcta{background:var(--deep);color:#fff}
.bigcta .inner{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:stretch}
@media(max-width:820px){.bigcta .inner{grid-template-columns:1fr;gap:28px}}
.bigcta h2{color:#fff;font-size:clamp(26px,3.6vw,38px);line-height:1.14;max-width:18ch}
.bigcta p{color:#A9CFCA;font-size:16px;margin-top:14px;max-width:48ch}
.bigcta .btn-lg{background:var(--sea)}
.bigcta .whocard{position:relative;border-radius:16px;overflow:hidden;min-height:240px;background:#0d3d3f;border:1px solid rgba(255,255,255,.1)}
.bigcta .whocard::before{content:"";position:absolute;inset:0;background-image:var(--nat);background-size:cover;background-position:50% 8%}
.bigcta .whocard::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,43,45,0) 48%,rgba(8,43,45,.92))}
.bigcta .whocard .cap{position:absolute;left:20px;right:20px;bottom:16px;z-index:2}
.bigcta .whocard .cap b{font-family:var(--head);color:#fff;font-size:16px;display:block;margin-bottom:2px}
.bigcta .whocard .cap span{font-size:13px;color:#CDE8E4}

/* blog */
.blog .grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
@media(max-width:820px){.blog .grid2{grid-template-columns:1fr}}
.post{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column}
.post .cover{height:140px;background:linear-gradient(135deg,var(--mist),#EAF6F4);display:flex;align-items:center;justify-content:center;color:var(--steel);font-size:12.5px}
.post .body{padding:24px 26px}
.post .cat{display:inline-block;font-family:var(--head);font-weight:600;font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;color:#0B7A6E;background:var(--mist);border-radius:20px;padding:5px 11px;margin-bottom:14px}
.post h3{font-size:18px;line-height:1.26;margin-bottom:10px}
.post p{font-size:13.5px;color:var(--muted);margin-bottom:16px}
.post .rd{font-weight:600;color:var(--sea);font-size:14px;display:inline-flex;align-items:center;gap:6px}
.post .rd span{transition:transform .18s}.post:hover .rd span{transform:translateX(4px)}

/* footer */
footer{background:var(--charcoal);color:#9FB2B1;padding:52px 0 34px}
footer .top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.09)}
footer .fword{font-family:var(--head);font-weight:700;font-size:22px;color:#fff;letter-spacing:-.02em}
footer .slogan{font-size:14px;margin-top:12px;max-width:34ch;color:#8AA09E}
footer .col h4{font-family:var(--head);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--sea);margin-bottom:14px;font-weight:600}
footer .col a{display:block;font-size:14px;margin-bottom:9px;color:#B7C7C6;background:none;border:0;padding:0;cursor:pointer;text-align:left}
footer .col a:hover{color:#fff}
footer .col .off{color:#B7C7C6;cursor:default}
footer .bot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding-top:22px;font-size:12.5px;color:#748a88}
@media(max-width:760px){footer .top{grid-template-columns:1fr;gap:26px}}

/* mobile sticky cta */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:40;display:none;padding:12px 16px;background:rgba(8,43,45,.96);backdrop-filter:blur(6px)}
.sticky a{display:block;width:100%;text-align:center;text-decoration:none;border-radius:10px;font-weight:600;font-size:15px;padding:13px;background:var(--sea);color:#fff}
@media(max-width:900px){.sticky{display:block}body{padding-bottom:74px}}

/* modal */
.modal{position:fixed;inset:0;z-index:60;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(8,43,45,.55);backdrop-filter:blur(3px);opacity:0;visibility:hidden;transition:opacity .2s}
.modal.open{opacity:1;visibility:visible}
.modal-card{position:relative;background:var(--cloud);border-radius:20px;padding:34px 32px;max-width:420px;width:100%;box-shadow:0 30px 80px rgba(8,43,45,.35);transform:translateY(10px);transition:transform .2s}
.modal.open .modal-card{transform:none}
.modal-x{position:absolute;top:12px;right:14px;background:none;border:0;font-size:26px;line-height:1;color:var(--steel);cursor:pointer}
.modal-card .kick{display:block;margin-bottom:10px}
.modal-card h3{font-size:24px;margin-bottom:8px}
.modal-card>p{font-size:14.5px;color:var(--muted);margin-bottom:22px}
.chn{display:flex;flex-direction:column;gap:12px}
.chn-btn{display:flex;align-items:center;gap:13px;padding:15px 18px;border-radius:12px;font-weight:600;font-size:15.5px;border:1px solid var(--line);background:var(--white);color:var(--deep);transition:border-color .18s,transform .15s}
.chn-btn:hover{border-color:var(--sea);transform:translateY(-1px)}
.chn-btn svg{width:22px;height:22px;flex:0 0 auto;stroke-width:1.9}
.chn-btn .arw{margin-left:auto;color:var(--steel)}
.modal-fn{font-size:13px;color:var(--steel);margin-top:18px;text-align:center}
.modal-fn button{background:none;border:0;color:var(--sea);font-weight:600;cursor:pointer;padding:0;font-size:13px}
/* before you pay */
.byp{background:var(--cloud)}
.byp .four{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}
@media(max-width:820px){.byp .four{grid-template-columns:1fr 1fr}}
.byp .pr{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:24px 22px;display:block;transition:transform .18s,box-shadow .18s}
.byp .pr:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(8,43,45,.07)}
.byp .pr .n{font-family:var(--mono);font-size:12px;color:var(--sea);margin-bottom:12px}
.byp .pr h4{font-size:16px;margin-bottom:6px}
.byp .pr p{font-size:13px;color:var(--muted);margin-bottom:14px}
.byp .pr .goto{font-family:var(--head);font-weight:600;font-size:12.5px;color:var(--deep);display:inline-flex;align-items:center;gap:6px}
.byp .pr .goto span{color:var(--sea)}
.byp .strip{margin-top:26px;background:var(--mist);border-radius:14px;padding:20px 26px;display:flex;flex-wrap:wrap;gap:14px 34px;align-items:center;justify-content:center}
.byp .strip .it{display:flex;align-items:center;gap:9px;font-family:var(--head);font-weight:600;font-size:15px;color:var(--deep)}
.byp .strip .it svg{width:18px;height:18px;flex:0 0 auto}

h1,h2,h3,h4{text-wrap:balance}
p{text-wrap:pretty}
header,section,[data-anchor]{scroll-margin-top:86px}
[id]{scroll-margin-top:86px}
.brand{text-decoration:none;display:inline-flex;align-items:center}

.home-hero{padding:70px 0 44px}
.home-hero .grid{display:grid;grid-template-columns:1.04fr .96fr;gap:52px;align-items:stretch}
@media(max-width:900px){.home-hero .grid{grid-template-columns:1fr;gap:34px}}
.home-hero h1{font-size:clamp(34px,5vw,58px);line-height:1.05;font-weight:700;max-width:15ch}
.home-hero .sub{font-size:clamp(16px,1.9vw,18.5px);color:var(--muted);max-width:50ch;margin-top:22px}
.ghost-link{font-weight:600;font-size:15px;color:var(--deep);display:inline-flex;align-items:center;gap:7px}
.ghost-link span{color:var(--sea);transition:transform .18s}.ghost-link:hover span{transform:translateX(4px)}
.home-card{position:relative;border-radius:20px;overflow:hidden;min-height:440px;background:transparent}
.home-card::before{content:"";position:absolute;inset:-1px;background-image:var(--nat);background-size:cover;background-position:50% 14%}
.home-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,43,45,0) 46%,rgba(8,43,45,.94))}
.home-card .cap{position:absolute;left:24px;right:24px;bottom:22px;z-index:2}
.home-card .cap b{font-family:var(--head);color:#fff;font-size:17px;display:block;margin-bottom:5px}
.home-card .cap p{font-size:13.5px;color:#CDE8E4;max-width:34ch}
@media(max-width:900px){.home-card{min-height:340px}}

.jx{background:var(--mist)}
.jtable-wrap{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;margin-top:26px}
table.jt{width:100%;border-collapse:collapse}
table.jt th{font-family:var(--head);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--steel);text-align:left;padding:18px 26px;border-bottom:1px solid var(--line)}
table.jt td{padding:20px 26px;border-bottom:1px solid var(--line);vertical-align:middle;font-size:14.5px;color:var(--deep)}
table.jt tr:last-child td{border-bottom:0}
table.jt td.place{font-family:var(--head);font-weight:600;font-size:16px}
table.jt td.best{color:var(--muted)}
table.jt td.tax{font-family:var(--mono);font-size:13px;color:var(--sea)}
table.jt td.more{text-align:right}
table.jt td.more a{color:var(--sea);font-size:18px;display:inline-block;transition:transform .18s}
table.jt tr:hover td.more a{transform:translateX(4px)}
.jx .fn{font-size:12.5px;color:#3c5c58;margin-top:16px;max-width:78ch}
@media(max-width:760px){
  table.jt thead{display:none}
  table.jt tr{display:grid;grid-template-columns:1fr auto;gap:2px 12px;padding:16px 20px;border-bottom:1px solid var(--line)}
  table.jt td{border:0;padding:2px 0}
  table.jt td.place{grid-column:1;grid-row:1}table.jt td.more{grid-column:2;grid-row:1;text-align:right}
  table.jt td.best{grid-column:1/3;grid-row:2}table.jt td.tax{grid-column:1/3;grid-row:3}
}

.wintro{font-size:16.5px;color:var(--muted);max-width:60ch;margin-top:16px}
.wgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
@media(max-width:900px){.wgrid{grid-template-columns:1fr}}
.wcard{background:var(--mist);border-radius:16px;padding:28px 26px}
.wcard h3{font-family:var(--head);font-weight:600;font-size:13px;letter-spacing:.05em;text-transform:uppercase;color:var(--sea);margin-bottom:16px;line-height:1.3}
.wcard p{font-size:14.5px;color:#2b4a4a}
.wnote{font-size:14.5px;color:var(--steel);margin-top:26px;max-width:54ch}

.cost2{background:var(--cloud)}
.cost2 h2{max-width:20ch}
.pjgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:40px}
@media(max-width:900px){.pjgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.pjgrid{grid-template-columns:1fr}}
.pjcard{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden}
.pjcard .jh{background:var(--deep);color:#fff;font-family:var(--head);font-weight:600;font-size:14px;letter-spacing:.07em;text-transform:uppercase;padding:15px 22px}
.pjcard .rows{padding:4px 22px 10px}
.pjrow{padding:15px 0;border-bottom:1px solid var(--line)}
.pjrow:last-child{border-bottom:0}
.pjrow .lb{font-family:var(--head);font-weight:600;font-size:11px;letter-spacing:.05em;text-transform:uppercase;color:var(--steel);margin-bottom:7px}
.pjrow .am{font-family:var(--mono);font-weight:500;font-size:20px;color:var(--deep);line-height:1}
.pjrow .am .from{font-family:var(--head);font-weight:600;font-size:10.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--steel);margin-right:6px}
.pjrow .mt{font-size:12px;color:var(--muted);margin-top:5px}
.cost2 .fn{font-size:12.5px;color:var(--steel);margin-top:24px;max-width:96ch}

.talk{background:var(--deep);color:#DCEFEC}
.talk .kick{color:var(--sea)}.talk .kick::before{background:var(--sea)}
.talk h2{color:#fff;font-size:clamp(24px,3.4vw,36px);line-height:1.14;max-width:16ch}
.talk p{color:#A9CFCA;font-size:16px;margin-top:18px;max-width:62ch}

.partner{background:var(--cloud)}
.pcard2{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:32px 34px;margin-top:22px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
@media(max-width:720px){.pcard2{grid-template-columns:1fr;gap:16px}}
.pcard2 h3{font-size:22px;line-height:1.2;margin-bottom:10px;max-width:22ch}
.pcard2 p{font-size:14.5px;color:var(--muted);max-width:44ch}
.pcard2 .join{font-weight:600;color:var(--sea);font-size:15px;display:inline-flex;align-items:center;gap:7px;white-space:nowrap}
.pcard2 .join span{transition:transform .18s}.pcard2:hover .join span{transform:translateX(4px)}

.ccta{background:var(--deep);color:#fff;text-align:center}
.ccta h2{color:#fff;font-size:clamp(26px,3.6vw,40px);line-height:1.14;max-width:18ch;margin:0 auto}
.ccta p{color:#A9CFCA;font-size:16px;margin:16px auto 28px;max-width:46ch}

.center-head{text-align:center;max-width:720px;margin:0 auto 44px}
.center-head .dash{width:26px;height:2px;background:var(--sea);margin:0 auto 16px}
.center-head .kick{display:block;margin-bottom:10px}
.center-head h2{font-size:clamp(28px,4vw,44px);line-height:1.1;font-weight:700}
.center-head .lede{font-size:16px;color:var(--muted);margin-top:14px}

.benefit .wide{grid-column:1/-1;background:var(--white);border:1px solid var(--line);border-radius:16px;padding:24px 26px;display:flex;gap:18px;align-items:flex-start;margin-top:22px}
.benefit .wide .ic{width:48px;height:48px;border-radius:12px;background:var(--deep);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.benefit .wide .ic svg{width:23px;height:23px;stroke:var(--mist);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.benefit .wide h3{font-size:18px;margin-bottom:6px}
.benefit .wide p{font-size:14px;color:var(--muted)}
.benefit .band{margin-top:22px;background:var(--mist);border-radius:14px;padding:18px 24px;text-align:center;font-size:14px;color:#28504C}
.pcard .ic svg{stroke-linecap:round;stroke-linejoin:round}

.whofor .g{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.whofor .g{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.whofor .g{grid-template-columns:1fr}}
.wf{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px 22px 20px}
.wf-head{display:flex;align-items:center;gap:11px;margin-bottom:9px}
.wf-ic{width:34px;height:34px;border-radius:9px;background:var(--mist);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.wf-ic svg{width:18px;height:18px;stroke:var(--sea);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.wf h3{font-size:16.5px;line-height:1.2}
.wf p{font-size:13px;color:var(--muted);margin-bottom:0;line-height:1.55}
.wf ul{list-style:none;margin:14px 0 0;padding-top:14px;border-top:1px solid var(--line)}
.wf li{position:relative;padding-left:16px;font-size:12.5px;color:var(--deep);margin-bottom:8px;line-height:1.4}
.wf li:last-child{margin-bottom:0}
.wf li:first-child{font-weight:600}
.wf li::before{content:"";position:absolute;left:0;top:7px;width:6px;height:6px;border-radius:50%;background:var(--sea)}
.whofor .askband{margin-top:30px;background:var(--mist);border:1px solid var(--line);border-radius:16px;padding:34px 30px;text-align:center}
.whofor .askband h3{font-size:24px;margin-bottom:12px}
.whofor .askband p{font-size:15px;color:var(--muted);max-width:60ch;margin:0 auto 8px}
.whofor .askband .em{font-family:var(--head);font-weight:600;color:var(--deep);margin:12px auto 22px}

.pkg .handle{background:var(--mist);border-radius:14px;padding:16px 24px;text-align:center;font-size:15px;color:#28504C;max-width:760px;margin:0 auto 28px}
.pkg-main{display:grid;grid-template-columns:1.5fr 1fr;gap:22px;align-items:start}
@media(max-width:900px){.pkg-main{grid-template-columns:1fr}}
.incl-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:520px){.incl-grid{grid-template-columns:1fr}}
.incl{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px;display:flex;gap:13px;align-items:flex-start}
.incl .ck{width:26px;height:26px;border-radius:8px;background:var(--sea);flex:0 0 auto;display:flex;align-items:center;justify-content:center}
.incl .ck svg{width:14px;height:14px;stroke:#fff;stroke-width:2.6;fill:none;stroke-linecap:round;stroke-linejoin:round}
.incl h4{font-size:15px;margin-bottom:5px}
.incl p{font-size:12.5px;color:var(--muted);line-height:1.5}
.pricecard{background:var(--deep);border-radius:18px;padding:30px 28px;color:#fff;position:sticky;top:90px}
.pricecard .kick{color:var(--sea);display:block;margin-bottom:10px}
.pricecard .amt{font-family:var(--mono);font-size:46px;font-weight:500;line-height:1;color:#fff}
.pricecard .amt small{font-family:var(--head);font-weight:600;font-size:14px;color:#A9CFCA;margin-left:8px}
.pricecard .desc{font-size:13.5px;color:#A9CFCA;margin:12px 0 22px;line-height:1.5}
.pricecard .btn-lg{width:100%;justify-content:center;background:var(--sea)}
.pricecard .fine{font-size:12px;color:#88a8a4;margin-top:14px;text-align:center}
.bankcard2{background:var(--mist);border-radius:14px;padding:22px 26px;margin-top:22px;display:flex;gap:22px;align-items:baseline;flex-wrap:wrap}
.bankcard2 .lbl{font-family:var(--head);font-weight:600;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--sea);flex:0 0 auto}
.bankcard2 p{font-size:14px;color:#28504C;line-height:1.6}
.y2wrap{margin-top:34px}
.y2wrap .st{font-family:var(--head);font-weight:600;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--steel);margin-bottom:14px}
.y2grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:720px){.y2grid{grid-template-columns:1fr}}
.y2card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:20px 22px;display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.y2card .nm{font-size:14.5px;color:var(--deep)}
.y2card .amt{font-family:var(--mono);font-weight:500;color:var(--sea);font-size:16px;white-space:nowrap}
.pkg .fn{font-size:12.5px;color:var(--steel);margin-top:20px;text-align:center;max-width:90ch;margin-left:auto;margin-right:auto}

.nb{background:var(--mist);border-radius:12px;padding:13px 16px;font-size:13px;color:#28504C;margin-top:12px;max-width:74ch;line-height:1.55}
.after{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:44px}
@media(max-width:820px){.after{grid-template-columns:1fr}}

.cover{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--deep) 0%,#0e5f57 60%,var(--sea) 140%)}
.cover img{position:absolute;inset:-1px;width:calc(100% + 2px);height:calc(100% + 2px);object-fit:cover;display:block}
.faqlist{margin-top:34px;border-top:1px solid var(--line)}
.faqitem{border-bottom:1px solid var(--line)}
.faqitem summary{display:block;list-style:none;cursor:pointer;padding:22px 46px 22px 0;position:relative;font-family:var(--head);font-weight:600;font-size:clamp(16px,2vw,19px);color:var(--charcoal)}
.faqitem summary::marker{content:""}
.faqitem summary::-webkit-details-marker{display:none}
.faqitem summary::after{content:"+";position:absolute;right:4px;top:50%;transform:translateY(-50%);font-size:26px;font-weight:400;line-height:1;color:var(--sea)}
.faqitem[open] summary::after{content:"\2013"}
.faqa{padding:0 0 24px;max-width:72ch}
.faqa p{color:var(--muted);font-size:15.5px;line-height:1.7;margin:0}
.faqa p + p{margin-top:12px}
.tldr{background:var(--mist);border-radius:14px;padding:22px 26px;margin:0 0 34px}
.tldr-h{font-family:var(--head);font-weight:700;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#0B7A6E;margin:0 0 12px}
.tldr ul{margin:0;padding-left:20px}
.tldr li{color:var(--charcoal);font-size:15.5px;line-height:1.65;margin:0 0 9px}
.tldr li:last-child{margin-bottom:0}
.crumbs{padding:20px 0 0}
.crumbtrail{list-style:none;margin:0;padding:0;font-size:13px;line-height:1.6;color:var(--muted)}
.crumbtrail li{display:inline}
.crumbtrail li + li::before{content:"\203A";margin:0 9px;color:var(--steel)}
.crumbtrail a{color:var(--muted);text-decoration:none}
.crumbtrail a:hover{color:var(--deep)}
.crumbtrail li[aria-current="page"]{color:var(--deep);font-weight:600}
.cc-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:1200;max-width:520px;margin:0 auto;background:var(--deep);color:#fff;border-radius:14px;padding:16px 18px;box-shadow:0 18px 44px rgba(8,43,45,.35);display:flex;flex-direction:column;gap:12px}
.cc-text{margin:0;font-size:13px;line-height:1.55;color:#CDE8E4}
.cc-actions{display:flex;gap:10px;justify-content:flex-end}
.cc-btn{font-family:var(--head);font-weight:600;font-size:13.5px;padding:9px 18px;border-radius:9px;border:0;cursor:pointer;transition:background .18s,border-color .18s,color .18s}
.cc-accept{background:var(--sea);color:#fff}
.cc-accept:hover{background:#0FA595}
.cc-decline{background:transparent;color:#CDE8E4;border:1px solid rgba(255,255,255,.28)}
.cc-decline:hover{color:#fff;border-color:rgba(255,255,255,.55)}
.cc-link{color:#fff;text-decoration:underline;text-underline-offset:2px}
@media(max-width:520px){.cc-banner{left:12px;right:12px;bottom:12px}}
@media(min-width:640px){.cc-banner{left:auto;right:20px;bottom:20px;margin:0;max-width:600px;flex-direction:row;align-items:center;gap:16px}.cc-text{flex:1}.cc-actions{flex-shrink:0}}
.cover .wm{position:absolute;right:-14px;bottom:-14px;width:150px;height:150px;opacity:.16;stroke:#fff;fill:none;stroke-width:1.3;stroke-linecap:round;stroke-linejoin:round}
.pmeta{display:flex;align-items:center;gap:12px;margin-bottom:12px;flex-wrap:wrap}
.pcat{display:inline-block;font-family:var(--head);font-weight:600;font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;color:#0B7A6E;background:var(--mist);border-radius:20px;padding:5px 12px}
.prt{font-size:12px;color:var(--steel)}
.blog .grid2,.related .grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
@media(max-width:820px){.blog .grid2,.related .grid2{grid-template-columns:1fr}}
.post2{background:var(--white);border:1px solid var(--line);border-radius:16px;overflow:hidden;display:flex;flex-direction:column}
.post2 .cover{height:168px;flex:0 0 auto}
.post2 .body{padding:26px 30px 30px;display:flex;flex-direction:column;flex:1}
.post2 h3{font-size:19px;line-height:1.28;margin-bottom:10px}
.post2 p{font-size:14px;color:var(--muted);margin-bottom:18px;flex:1}
.post2 .rd{font-weight:600;color:var(--sea);font-size:14px;display:inline-flex;align-items:center;gap:6px}
.post2 .rd span,.feat .rd span{transition:transform .18s}
.post2:hover .rd span,.feat:hover .rd span{transform:translateX(4px)}

.blogindex .grid2{margin-top:24px}
.feat{display:grid;grid-template-columns:.92fr 1.08fr;background:var(--white);border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-top:44px}
@media(max-width:760px){.feat{grid-template-columns:1fr}}
.feat .cover{min-height:280px}
@media(max-width:760px){.feat .cover{min-height:180px}}
.feat .cover .wm{width:200px;height:200px}
.feat .body{padding:36px 40px;display:flex;flex-direction:column;justify-content:center}
@media(max-width:520px){.feat .body{padding:28px 26px}}
.feat .flabel{font-family:var(--head);font-weight:600;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.feat h3{font-size:26px;line-height:1.18;margin-bottom:12px}
.feat p{font-size:15px;color:var(--muted);margin-bottom:20px;max-width:52ch}
.feat .rd{font-weight:600;color:var(--sea);font-size:15px;display:inline-flex;align-items:center;gap:6px}
.related{background:var(--cloud)}

/* ===== article reading ===== */
.progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--sea);z-index:130;display:none}
.art{padding:40px 0 20px}
.backlink{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:14px;color:var(--sea);margin-bottom:30px}
.backlink span{transition:transform .18s}.backlink:hover span{transform:translateX(-4px)}
.art-hero{max-width:760px;margin:0 auto;text-align:center}
.art-hero .cat{display:inline-block;font-family:var(--head);font-weight:600;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:#0B7A6E;background:var(--mist);border-radius:20px;padding:6px 13px;margin-bottom:20px}
.art-hero h1{font-size:clamp(28px,4.4vw,44px);line-height:1.12;font-weight:700}
.art-meta{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:22px;font-size:13.5px;color:var(--steel)}
.art-meta .dot{width:3px;height:3px;border-radius:50%;background:var(--steel)}
.art-cover{max-width:940px;height:360px;margin:36px auto 0;border-radius:22px}
@media(max-width:720px){.art-cover{height:210px;border-radius:16px}}
.art-cover .wm{width:230px;height:230px;right:24px;bottom:-24px}
.prose{max-width:716px;margin:0 auto;padding:48px 0 8px}
.prose>p{font-size:17.5px;line-height:1.78;color:#233130;margin:0 0 22px}
.prose>p.lede{font-size:20.5px;line-height:1.6;color:var(--deep);margin-bottom:26px}
.prose h2{font-family:var(--head);font-weight:700;font-size:26px;line-height:1.22;margin:46px 0 16px;color:var(--deep)}
.prose h3{font-family:var(--head);font-weight:600;font-size:19px;margin:34px 0 10px;color:var(--deep)}
.prose ul{margin:0 0 24px;padding:0;list-style:none}
.prose ul li{position:relative;padding-left:22px;font-size:17px;line-height:1.6;color:#233130;margin-bottom:11px}
.prose ul li::before{content:"";position:absolute;left:2px;top:9px;width:7px;height:7px;border-radius:50%;background:var(--sea)}
.art-foot{max-width:716px;margin:40px auto 0;padding-top:26px;border-top:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.art-foot .by{font-size:13px;color:var(--steel)}
.art-foot .share{display:flex;gap:8px}
.art-foot .share a{width:36px;height:36px;border-radius:10px;border:1px solid var(--line);display:flex;align-items:center;justify-content:center}
.art-foot .share svg{width:17px;height:17px;stroke:var(--deep);fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}

/* ===== polish pass ===== */
/* logo behaves like a link on hover */
.brand{cursor:pointer}
.brand img{cursor:pointer}

/* prevent 1-2 word widows on short marketing lines (desktop only) */
@media(min-width:901px){
  .home-hero .sub,.jx .sub,.wintro,.wnote,.center-head .lede,
  .askband p,.askband .em,.talk p,.ccta p,.pcard2 p,
  .pricecard .desc,.pkg .handle,.bankcard2 p,.taxcard .lede,.taxcard .note,
  .cost2 .fn,.pkg .fn,.jx .fn,.benefit .band,.nb,.docs .note,
  .home-card .cap p,.whocard .cap span{text-wrap:balance}
}

/* Documents — bottom band spans the full width of the grid above it */
.docs .note{max-width:none;margin-left:0;margin-right:0}

/* Tax rates / Fees — balance the two cards so the left one isn't half-empty */
.after{align-items:stretch}
.after .taxcard{display:flex;flex-direction:column}
.after .taxcard .rate{padding:15px 0}
.after .taxcard .note{margin-top:auto}
.after .taxcard .bigfee{margin:16px 0 10px}
.after .taxcard>.lede:last-child{margin-bottom:0}

/* Year 2 onwards — its own panel so it doesn't disappear under the price card */
.y2wrap{margin-top:40px;padding:26px 28px 28px;background:var(--mist);border-radius:16px}
.y2head{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.y2wrap .st{margin-bottom:0;color:var(--deep);font-size:13px}
.y2sub{font-size:13px;color:#3c5c58}
.y2card{background:var(--white)}

/* Back to top button (all pages) */
.totop{position:fixed;right:22px;bottom:26px;z-index:60;width:46px;height:46px;border-radius:50%;
  background:var(--deep);border:1px solid rgba(255,255,255,.14);display:flex;align-items:center;justify-content:center;
  cursor:pointer;opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .2s,transform .2s,visibility .2s;box-shadow:0 10px 26px rgba(8,43,45,.28);padding:0}
.totop.show{opacity:1;visibility:visible;transform:none}
.totop:hover{background:#0b3a3c}
.totop svg{width:20px;height:20px;stroke:var(--sea);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:900px){.totop{right:16px;bottom:82px;width:42px;height:42px}}

/* ===== mobile menu ===== */
.burger{display:none;flex-direction:column;justify-content:center;gap:5px;width:42px;height:42px;padding:0;
  background:none;border:0;cursor:pointer;align-items:center}
.burger span{display:block;width:22px;height:2px;background:var(--deep);border-radius:2px;transition:transform .22s,opacity .18s}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mnav{display:none;flex-direction:column;background:var(--white);border-top:1px solid var(--line);padding:6px 30px 20px}
.mnav a{padding:15px 2px;font-size:16px;font-weight:600;color:var(--deep);border-bottom:1px solid var(--line);text-decoration:none}
.mnav a.home{color:var(--sea)}
.mnav a.mbook{margin-top:16px;border-bottom:0;background:var(--sea);color:#fff;text-align:center;border-radius:12px;padding:15px}
.mnav.open{display:flex}
@media(max-width:900px){
  .burger{display:flex}
  .navright .book{display:none}
  .navright{gap:6px}
}

/* ===== fix white strips under the sticky bar on mobile ===== */
@media(max-width:900px){
  .sticky{background:var(--deep);backdrop-filter:none;border-top:1px solid rgba(255,255,255,.10);
    padding:12px 16px calc(12px + env(safe-area-inset-bottom, 0px))}
  body{padding-bottom:0}
  footer{padding-bottom:calc(34px + 92px + env(safe-area-inset-bottom, 0px))}
  .totop{bottom:calc(84px + env(safe-area-inset-bottom, 0px))}
}