:root{--bg:#F5F6F8;--card:#fff;--ink:#141B23;--muted:#5B6672;--rule:#DFE3E8;--slate:#1F2A37;--slate2:#2B3A4B;--em:#0E9F6E;--em-deep:#087A54;--em-soft:#E3F6EE;--amber:#F2B233;--red:#D64545;--mcc:#0F5FF8;--sans:"Manrope",Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;font-variant-numeric:tabular-nums}
a{color:var(--em-deep)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
[hidden]{display:none!important}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-weight:800;line-height:1.1;letter-spacing:-.02em}
/* two-mode header */
.mhead{background:var(--slate);color:#fff;position:sticky;top:0;z-index:40}
.mhead .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:14px;align-items:center;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:9px;color:#fff;text-decoration:none;font-weight:800;font-size:21px}
.brand i{display:grid;place-items:center;width:32px;height:32px;border-radius:8px;background:var(--em);font-style:normal;font-size:15px}
.brand b{color:#7FE3BC}
.mode{justify-self:center;display:flex;background:rgba(255,255,255,.08);border-radius:999px;padding:4px}
.mode a{color:#C9D3DD;text-decoration:none;font-weight:700;font-size:15px;padding:7px 16px;border-radius:999px;white-space:nowrap}
.mode a[aria-current]{background:#fff;color:var(--slate)}
.mnav{display:flex;gap:14px}.mnav a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;white-space:nowrap}
@media (max-width:820px){.mhead .wrap{grid-template-columns:1fr auto;row-gap:8px}.mode{grid-column:1/-1;order:3;justify-self:stretch}.mode a{flex:1;text-align:center}.mnav a:not(:last-child){display:none}}
.crumbs{background:var(--card);border-bottom:1px solid var(--rule);font-size:14px}
.crumbs .wrap{display:flex;gap:8px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px;color:var(--muted)}
.crumbs a{color:var(--muted);text-decoration:none;font-weight:600}.crumbs span::before{content:"› ";}
.strip{background:var(--mcc);color:#fff;text-align:center;font-size:14.5px;padding:7px 14px}.strip a{color:#fff;font-weight:700}
/* split home */
.split{display:grid;margin:0 -20px}
@media (min-width:900px){.split{grid-template-columns:1fr 1fr}}
.side{padding:40px 28px 34px;display:flex;flex-direction:column;gap:12px}
.side.carrier{background:var(--slate2);color:#fff}.side.broker{background:var(--em-soft)}
.side .k{font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.side.carrier .k{color:#7FE3BC}.side.broker .k{color:var(--em-deep)}
.side h1,.side h2{font-size:clamp(30px,4.6vw,44px);margin:0}
.side p{margin:0;max-width:44ch}.side.carrier p{color:#C9D3DD}.side.broker p{color:var(--muted)}
.side ul{margin:0;padding-left:20px}.side.carrier li{color:#E3E9EF}
.btn{display:inline-block;font:inherit;font-weight:800;font-size:16px;border:0;border-radius:10px;padding:12px 20px;cursor:pointer;text-decoration:none;text-align:center}
.btn-main{background:var(--em);color:#fff}.btn-main:hover{background:var(--em-deep)}
.btn-amber{background:var(--amber);color:var(--slate)}
.btn-line{background:#fff;color:var(--ink);border:2px solid var(--rule)}.btn-line:hover{border-color:var(--em)}
.btn-small{font-size:14.5px;padding:8px 12px}.btns{display:flex;flex-wrap:wrap;gap:10px}
/* report card gauge: signature */
.report{background:var(--card);border:1px solid var(--rule);border-radius:18px;padding:20px;color:var(--ink);box-shadow:0 14px 34px rgba(20,27,35,.12)}
.report .rk{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0}
.gauge{--p:0;position:relative;width:220px;height:110px;margin:12px auto 6px;overflow:hidden}
.gauge::before{content:"";position:absolute;inset:0 0 -110px 0;border-radius:50%;background:conic-gradient(from 270deg,var(--red) 0deg,var(--amber) 70deg,var(--em) 150deg,var(--em) 180deg,transparent 180deg)}
.gauge::after{content:"";position:absolute;left:24px;right:24px;top:24px;bottom:-86px;border-radius:50%;background:var(--card)}
.gauge .needle{position:absolute;left:50%;bottom:0;width:4px;height:92px;margin-left:-2px;background:var(--slate);border-radius:4px;transform-origin:bottom center;transform:rotate(calc(var(--p)*1.8deg - 90deg));z-index:2;transition:transform .4s}
.gauge .hub{position:absolute;left:50%;bottom:-10px;width:20px;height:20px;margin-left:-10px;border-radius:50%;background:var(--slate);z-index:3}
.grade{text-align:center;font-size:44px;font-weight:800;line-height:1}
.grade small{display:block;font-size:15px;color:var(--muted);font-weight:700;margin-top:4px}
.flags{list-style:none;padding:0;margin:12px 0 0;display:grid;gap:6px;font-size:15px}
.flags li{padding:8px 10px;border-radius:8px;background:#FDECEC;color:#8E2525}
.flags li.good{background:var(--em-soft);color:var(--em-deep)}
.section-h{font-size:32px;margin:44px 0 12px}
.page-head{padding:28px 0 6px}.page-head h1{font-size:clamp(32px,5.6vw,50px);margin:0 0 10px}.page-head p{margin:0;max-width:66ch;color:var(--muted)}
.tools{display:grid;gap:12px;margin:14px 0}@media (min-width:760px){.tools{grid-template-columns:repeat(3,1fr)}}
.tool{display:block;background:var(--card);border:1px solid var(--rule);border-radius:16px;padding:18px;text-decoration:none;color:var(--ink);border-top:4px solid var(--em)}
.tool.c{border-top-color:var(--slate)}.tool strong{display:block;font-size:19px}.tool span{color:var(--muted);font-size:15px}.tool em{display:block;font-style:normal;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.calc{display:grid;gap:22px;margin:22px 0}@media (min-width:900px){.calc{grid-template-columns:1fr 1fr;align-items:start}.calc .result{position:sticky;top:120px}}@media (max-width:899px){.calc .result{order:-1}}
.fields{background:var(--card);border:1px solid var(--rule);border-radius:16px;padding:20px;display:grid;gap:12px}
.fields label{display:grid;gap:4px;font-weight:700;font-size:15px}.fields .hint{font-weight:500;color:var(--muted);font-size:14px}
.fields input,.fields select{font:inherit;font-size:16.5px;padding:10px 12px;border:1px solid var(--rule);border-radius:10px;background:#fff;width:100%}
.fields h3{margin:6px 0 0;font-size:18px}
.panel{background:var(--slate);color:#fff;border-radius:18px;padding:22px}.panel .k{margin:0;font-size:13px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#7FE3BC}
.panel .v{font-size:clamp(34px,7vw,46px);font-weight:800;line-height:1.05;margin:6px 0 12px}
.panel dl{margin:0;display:grid;grid-template-columns:1fr auto;gap:8px 14px;border-top:1px solid rgba(255,255,255,.2);padding-top:12px}
.panel dt{color:#C9D3DD}.panel dd{margin:0;font-weight:800;text-align:right}.panel .note{font-size:14px;color:#C9D3DD;margin:12px 0 0}
.dir{display:grid;gap:18px;margin:16px 0}@media (min-width:980px){.dir{grid-template-columns:250px 1fr;align-items:start}.dir .filters{position:sticky;top:120px}}
.filters{background:var(--card);border:1px solid var(--rule);border-radius:16px;padding:16px;display:grid;gap:10px}
.filters label{display:grid;gap:3px;font-size:14px;font-weight:700}.filters select,.filters input{font:inherit;font-size:16px;padding:9px;border:1px solid var(--rule);border-radius:10px;background:#fff;width:100%}
.dlist{display:grid;gap:12px}
.dcard{position:relative;background:var(--card);border:1px solid var(--rule);border-radius:16px;padding:16px}
.dcard.featured{border:2px solid var(--em)}
.dcard h3{margin:0 0 2px;font-size:20px}.dcard .meta{color:var(--muted);font-size:15px}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin:8px 0}.tag{font-size:12.5px;font-weight:700;border-radius:999px;padding:3px 9px;background:#EEF1F4;color:var(--slate)}
.tag.ok{background:var(--em-soft);color:var(--em-deep)}
.label{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;border-radius:4px;padding:2px 7px;background:var(--em);color:#fff;margin-bottom:6px}
.empty{background:var(--card);border:2px dashed var(--rule);border-radius:16px;padding:24px;text-align:center}.empty strong{display:block;font-size:22px;margin-bottom:6px}
.steps{counter-reset:s;list-style:none;padding:0;margin:14px 0}.steps li{counter-increment:s;position:relative;padding:0 0 16px 46px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:8px;background:var(--slate);color:#fff;display:grid;place-items:center;font-weight:800}
.article{background:var(--card);border:1px solid var(--rule);border-radius:16px;padding:28px;margin-top:20px}
.article h1{font-size:clamp(30px,5.4vw,44px);margin:0 0 12px}.article h2{font-size:24px;margin:26px 0 8px}.article p,.article li{max-width:68ch}.article p{margin:0 0 14px}
.updated{color:var(--muted);font-size:15px;margin:-4px 0 16px}
.tryit{background:var(--em-soft);border-left:5px solid var(--em);border-radius:0 10px 10px 0;padding:14px 18px;margin:22px 0}.tryit a{font-weight:800}
.disclaimer{font-size:14px;color:var(--muted);margin-top:12px}
.guide-list{list-style:none;padding:0;margin:14px 0;display:grid;gap:10px}@media (min-width:760px){.guide-list{grid-template-columns:1fr 1fr}}
.guide-list a{display:block;background:var(--card);border:1px solid var(--rule);border-radius:12px;padding:14px 16px;text-decoration:none;color:var(--ink);height:100%}.guide-list a:hover{border-color:var(--em)}
.guide-list strong{display:block;font-size:18.5px;line-height:1.25}.guide-list span{color:var(--muted);font-size:15px}
.more{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:10px 0}.more a{display:inline-block;background:var(--card);border:1px solid var(--rule);border-radius:999px;padding:7px 14px;text-decoration:none;font-weight:700;font-size:15px;color:var(--ink)}
.plans{display:grid;gap:14px;margin:20px 0}@media (min-width:820px){.plans{grid-template-columns:repeat(3,1fr)}}
.plan{background:var(--card);border:1px solid var(--rule);border-radius:16px;padding:20px;display:flex;flex-direction:column;gap:10px}.plan.hot{background:var(--slate);color:#fff;border:0}
.plan h3{margin:0;font-size:21px}.plan .p{font-size:38px;font-weight:800;line-height:1}.plan .p small{font-size:15px;opacity:.7}.plan ul{margin:0;padding-left:20px;flex:1}
.progress{position:sticky;top:110px;z-index:5;background:var(--bg);padding:10px 0}.progress .bar{height:10px;background:var(--rule);border-radius:999px;overflow:hidden}.progress .bar span{display:block;height:100%;width:0;background:var(--em);transition:width .2s}.cl-count{margin:6px 0 0;font-weight:800}
.checklist{display:grid;gap:8px}.checklist h3{margin:18px 0 4px;font-size:19px}
.checklist label{display:flex;gap:12px;align-items:flex-start;background:var(--card);border:1px solid var(--rule);border-radius:12px;padding:12px 14px;cursor:pointer}.checklist input{width:22px;height:22px;accent-color:var(--em);flex:none}
.faq details{border-bottom:1px solid var(--rule);padding:4px 0}.faq summary{cursor:pointer;font-weight:800;padding:10px 0}.faq p{margin:0 0 12px;max-width:66ch}
.formbox{display:grid;gap:18px;background:var(--card);border:1px solid var(--rule);border-left:6px solid var(--em);border-radius:16px;padding:24px;margin:30px 0}@media (min-width:880px){.formbox{grid-template-columns:.85fr 1.15fr;align-items:start}}
.formbox h2{margin:0 0 8px;font-size:27px}.formbox p{margin:0 0 10px;color:var(--muted)}
.lead-form{display:grid;gap:12px}.lead-form label{display:grid;gap:4px;font-weight:700;font-size:15px}
.lead-form input[type=text],.lead-form input[type=email],.lead-form input[type=tel],.lead-form input[type=date],.lead-form select,.lead-form textarea{font:inherit;font-size:16.5px;padding:10px 12px;border:1px solid var(--rule);border-radius:10px;background:#fff;color:var(--ink);width:100%}
.lead-form textarea{min-height:90px}.lead-form .grid2{display:grid;gap:12px}@media (min-width:560px){.lead-form .grid2{grid-template-columns:1fr 1fr}}
.lead-form fieldset{border:0;padding:0;margin:0}.lead-form legend{font-weight:700;font-size:15px;margin-bottom:6px}
.checks{display:flex;flex-wrap:wrap;gap:8px}.checks label{display:flex!important;gap:6px;align-items:center;font-weight:600!important;font-size:14.5px!important;background:var(--bg);border:1px solid var(--rule);border-radius:999px;padding:6px 12px;cursor:pointer}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:500!important;font-size:14px!important;color:var(--muted)}.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--em);flex:none}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}.lead-form .btn{justify-self:start}
.ptag{display:inline-block;font-size:12px;font-weight:700;color:var(--muted);border:1px solid var(--rule);border-radius:4px;padding:0 6px;background:#fff}
.partners{margin:44px 0 10px}.partners h2{font-size:24px;margin:0 0 12px}.plist{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.pcard{display:flex;flex-direction:column;gap:4px;background:var(--card);border:1px solid var(--rule);border-radius:14px;padding:14px;text-decoration:none;color:var(--ink)}.pcard:hover{border-color:var(--em)}.pcard .ptag{align-self:flex-start}
.pimg{display:grid;place-items:center;height:110px;background:var(--bg);border-radius:10px;overflow:hidden;margin:4px 0 6px}.pimg img{max-width:100%;max-height:110px;object-fit:contain}
.pcard strong{font-size:18px}.ptext{font-size:15px;flex:1;color:var(--muted)}.pcta{font-weight:800;color:var(--em-deep)}
.ebook{position:relative;background:var(--card);border:1px solid var(--rule);border-radius:14px;padding:14px;margin:28px 0}.ebook>.ptag{position:absolute;top:12px;right:12px}
.ebook-in{display:grid;grid-template-columns:84px 1fr;gap:14px;align-items:center;text-decoration:none;color:var(--ink)}.ebook-cover img{width:84px;height:110px;object-fit:cover;border-radius:6px;display:block}
.ebook-txt{display:flex;flex-direction:column;gap:3px;align-items:flex-start}.ebook-from{font-size:14px;font-weight:800;color:var(--mcc)}.ebook-txt strong{font-size:18px;line-height:1.2;padding-right:34px}.ebook-price{color:var(--muted);font-size:15px;margin-bottom:6px}.ebook .btn{font-size:15px;padding:9px 14px}
footer{background:var(--slate);color:#C9D3DD;margin-top:48px;padding:28px 0 42px;font-size:14px}footer a{color:#fff}footer p{margin:0 0 8px;max-width:80ch}.flinks{display:flex;flex-wrap:wrap;gap:6px 18px}
@media print{.mhead,.crumbs,.strip,footer,.partners,.ebook,.formbox,.no-print{display:none!important}body{background:#fff}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
.side .report p{color:var(--ink)!important}.side .report .rk{color:var(--muted)!important}.side .report .flags li{color:#8E2525!important}.side .report .flags li.good{color:var(--em-deep)!important}