:root{--navy:#020C59;--cyan:#15D5F6;--cyan2:#5EF4FF;--grey:#3A3A3A;--grad:linear-gradient(90deg,#15D5F6,#5EF4FF);--tint:#F1FAFE;--r:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 Montserrat,system-ui,sans-serif;color:var(--grey);background:#fff}
h1,h2,h3,h4{font-family:'Arista Pro',Quicksand,Montserrat,sans-serif;color:var(--navy);line-height:1.2}
a{color:var(--navy)}.wrap{max-width:1160px;margin:auto;padding:0 20px}.narrow{max-width:800px}.center{text-align:center}.mut{color:#6a7186}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.hd{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid #e6eaf2}
.hdin{display:flex;align-items:center;gap:22px;height:72px}.logo{display:flex;align-items:center;padding:3px}.logo img{height:40px;width:auto;display:block}
nav{display:flex;gap:6px;margin-left:auto;align-items:center}nav>a,.dd>button{color:var(--navy);text-decoration:none;background:none;border:0;font:600 14.5px Montserrat,sans-serif;cursor:pointer;padding:10px 12px;border-radius:10px}
nav>a:hover,.dd>button:hover{background:var(--tint)}
.dd{position:relative}.ddm{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid #e6eaf2;border-radius:14px;padding:8px;min-width:230px;max-height:70vh;overflow:auto;box-shadow:0 14px 34px #020c5922}
.dd:hover .ddm,.dd:focus-within .ddm{display:grid}.ddm a{padding:7px 12px;text-decoration:none;border-radius:8px;font-size:14px}.ddm a:hover{background:var(--tint)}
.burger{display:none;background:none;border:0;font-size:26px;color:var(--navy);margin-left:auto}
.btn{display:inline-block;background:var(--grad);color:var(--navy);font:700 15.5px Montserrat,sans-serif;padding:13px 26px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;transition:.2s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 22px #15d5f655}.btn.sm{padding:10px 18px;font-size:14px}
.btn.ghost{background:transparent;border:2px solid #fff;color:#fff}.btn.navy{background:var(--navy);color:#fff}.btn.light{background:#fff}
.pill{display:inline-block;background:var(--grad);color:var(--navy);font:700 13px Quicksand,Montserrat,sans-serif;letter-spacing:.08em;text-transform:uppercase;padding:9px 26px 9px 18px;border-radius:0 999px 999px 0;margin:0 0 14px -20px}
.hero{background:var(--navy) url(/assets/monogram.png) no-repeat right -60px center/520px;color:#fff;padding:60px 0;position:relative}
.hero.sm{padding:46px 0;background-size:420px}.hero h1{color:#fff;font-size:clamp(30px,4.6vw,48px);margin:.1em 0 .3em}.hero .lead{color:#dfe6ff;font-size:18px}
.hg{display:grid;grid-template-columns:1.15fr .85fr;gap:38px;align-items:center}
.ticks{list-style:none;padding:0;margin:14px 0}.ticks li{padding-left:28px;position:relative;margin:7px 0}.ticks li:before{content:"";position:absolute;left:0;top:7px;width:16px;height:16px;border-radius:50%;background:var(--grad)}.hero .ticks li{color:#fff}.ticks.dark li{color:var(--grey)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.form{background:#fff;padding:26px;border-radius:var(--r);box-shadow:0 24px 54px #0006;display:grid;gap:12px;color:var(--grey)}.form h3{margin:0}.form p{margin:0}
.form label{display:grid;gap:4px;font-size:13.5px;font-weight:600;color:var(--navy)}input,select{padding:12px;border:1.5px solid #cfd8ea;border-radius:10px;font:inherit;background:#fff;color:var(--grey)}input:focus,select:focus{outline:2px solid var(--cyan);border-color:var(--cyan)}
.fine{font-size:12px;color:#6a7186}
.trust{background:var(--tint)}.tg{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:24px 20px}.tg b{display:block;font:700 30px Quicksand,sans-serif;color:var(--navy)}.tg span{font-size:14px}
.sec{padding:64px 0}.alt{background:var(--tint)}h2{font-size:clamp(25px,3.3vw,36px);text-align:center;margin:0 0 30px}.narrow h2,.left{text-align:left}.narrow h2{margin-top:34px}
.grid{display:grid;gap:18px}.g4{grid-template-columns:repeat(4,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid #e1e8f3;border-radius:var(--r);padding:22px;text-decoration:none;color:var(--grey);display:block;transition:.2s}.card:hover{transform:translateY(-4px);box-shadow:0 14px 28px #020c5920;border-color:var(--cyan)}
.card h3{margin:0 0 6px;font-size:19px}.card p{margin:0}.card.c{text-align:center}.fl{font-size:34px;display:block}.more{color:var(--navy);font-weight:700}.tagc{display:inline-block;background:var(--tint);color:var(--navy);font-size:12px;font-weight:700;padding:3px 10px;border-radius:99px;margin-bottom:8px}
.steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:0}.steps li{counter-increment:s;background:var(--tint);padding:22px;border-radius:var(--r)}.steps li:before{content:counter(s);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--grad);color:var(--navy);font-weight:700;margin-bottom:8px}.steps b,.steps span{display:block}.steps b{color:var(--navy)}.steps span{font-size:14px}
.chips{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.chips a,.chips span{background:#fff;border:1.5px solid var(--cyan);color:var(--navy);padding:10px 22px;border-radius:999px;font-weight:700;text-decoration:none}.chips a:hover{background:var(--grad)}
.facts{display:grid;gap:12px;grid-template-columns:repeat(3,1fr)}.facts div{background:var(--tint);padding:16px;border-radius:12px}.facts b{display:block;color:var(--navy)}.facts span{font-size:14px}
details{border:1px solid #dde5f2;border-radius:12px;padding:14px 18px;margin:10px 0;background:#fff}summary{cursor:pointer;font-weight:700;color:var(--navy)}
.cta2{background:var(--navy) url(/assets/monogram.png) no-repeat left -40px center/380px;color:#fff}.cta2 h2{color:#fff}
.prose p,.prose li{font-size:17.5px}.lead2{font-size:20px;color:#6a7186}.note{background:var(--tint);border-left:4px solid var(--cyan);padding:16px;border-radius:10px;margin-top:24px}
table{width:100%;border-collapse:collapse}th,td{padding:12px;border-bottom:1px solid #e1e8f3;text-align:left}th{color:var(--navy)}.scroll{overflow-x:auto}
.banks{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}.banks span{border:1.5px solid #dde5f2;border-radius:12px;padding:12px 20px;font-weight:700;color:var(--navy);background:#fff}
.ft{background:var(--navy);color:#cfd8f5;padding:46px 0 16px}.ft a{display:block;color:#cfd8f5;text-decoration:none;margin:5px 0;font-size:14.5px}.ft a:hover{color:var(--cyan2)}.ft .logo img{height:42px}.ft h4{color:var(--cyan2);margin:0 0 10px}.fg{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:24px}.copy{text-align:center;font-size:13px;opacity:.75;margin-top:30px;border-top:1px solid #ffffff22;padding-top:16px}
.wa{position:fixed;right:16px;bottom:16px;background:#25d366;color:#fff;padding:12px 18px;border-radius:999px;text-decoration:none;font-weight:700;z-index:60;box-shadow:0 8px 20px #0004}
@media(max-width:960px){.hg,.fg{grid-template-columns:1fr}.g4{grid-template-columns:repeat(2,1fr)}.g3,.g2,.steps,.facts{grid-template-columns:1fr}.tg{grid-template-columns:repeat(2,1fr);gap:14px}.hero{background-size:300px;background-position:right -90px top 20px}
nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 18px;border-bottom:1px solid #e6eaf2;max-height:80vh;overflow:auto}nav.open{display:flex}.ddm{position:static;display:none;box-shadow:none;border:0;max-height:none}.dd:hover .ddm{display:none}.dd:focus-within .ddm{display:none}.burger{display:block}.hdin>.btn.sm{display:none}}