:root{
  --blue:#1D5FE0; --blue-d:#1747AD; --blue-l:#EAF1FF; --sky:#F5F8FF;
  --yel:#FFD43B; --yel-d:#F5B700; --hl:#FFE873;
  --grn:#16A34A; --red:#E11D48;
  --ink:#0F172A; --body:#334155; --muted:#64748B; --line:#E2E8F0; --white:#fff;
  --r:14px; --sh:0 10px 30px rgba(15,23,42,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--body);background:#fff;font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3{color:var(--ink);font-weight:900;letter-spacing:-.02em;line-height:1.12;margin:0}
h1{font-size:52px} h2{font-size:38px} h3{font-size:20px;font-weight:800}
p{margin:0 0 14px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.hl{background:linear-gradient(transparent 55%,var(--hl) 55%);padding:0 2px}
.blue{color:var(--blue)}
.center{text-align:center}
.hide-m{}

/* Utility bar + header */
.util{background:var(--blue);color:#fff;font-size:14px;font-weight:600}
.util .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px}
.util a{color:#fff;font-weight:800;text-decoration:none}
.hdr{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:24px;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.brand .mark{width:40px;height:40px;border-radius:10px;background:var(--blue);display:grid;place-items:center}
.brand .mark svg{width:22px;height:22px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.brand .nm{font-weight:900;font-size:18px;line-height:1.1;letter-spacing:-.01em}
.brand .nm small{display:block;font-size:11px;font-weight:700;color:var(--blue);letter-spacing:.08em;text-transform:uppercase;margin-top:2px}
nav.main{display:flex;gap:26px;margin-left:auto}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px}
nav.main a:hover,nav.main a.on{color:var(--blue)}
.hdr-cta{display:flex;align-items:center;gap:14px}
.hdr-cta .ph{display:flex;align-items:center;gap:6px;color:var(--ink);font-weight:800;text-decoration:none;white-space:nowrap}
.hdr-cta .ph svg{width:18px;height:18px;stroke:var(--blue);fill:none;stroke-width:2}
.burger{display:none;background:none;border:0;padding:6px;cursor:pointer}
.burger svg{width:28px;height:28px;stroke:var(--ink);stroke-width:2.2}
.mnav{display:none;border-top:1px solid var(--line);padding:8px 24px 16px;background:#fff}
.mnav.open{display:block}
.mnav a{display:block;padding:12px 0;color:var(--ink);font-weight:700;text-decoration:none;border-bottom:1px solid var(--line)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--yel);color:var(--ink);font-weight:900;font-size:18px;text-decoration:none;border:0;border-bottom:4px solid var(--yel-d);border-radius:12px;padding:16px 28px;cursor:pointer;font-family:inherit;transition:transform .08s, filter .15s;text-align:center;line-height:1.2}
.btn:hover{filter:brightness(1.03);transform:translateY(-1px)}
.btn:active{transform:translateY(1px)}
.btn small{display:block;font-size:13px;font-weight:600;opacity:.8}
.btn.big{font-size:22px;padding:20px 36px;flex-direction:column;gap:2px}
.btn.sm{font-size:15px;padding:10px 16px;border-bottom-width:3px;white-space:nowrap}
.btn.blue{background:var(--blue);color:#fff;border-bottom-color:var(--blue-d)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);border-bottom:4px solid var(--line)}
.btn.full{width:100%}
.under{font-size:14px;color:var(--muted);margin-top:10px;display:flex;gap:16px;flex-wrap:wrap;justify-content:center}
.under span::before{content:"✓ ";color:var(--grn);font-weight:900}

/* Hero */
.hero{background:linear-gradient(180deg,var(--sky),#fff);padding:44px 0 56px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.pill{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:99px;padding:6px 14px;font-size:14px;font-weight:700;color:var(--ink);box-shadow:var(--sh)}
.pill i{width:8px;height:8px;border-radius:50%;background:var(--grn);box-shadow:0 0 0 4px rgba(22,163,74,.15)}
.hero h1{margin:18px 0 16px}
.hero .lead{font-size:20px;color:var(--body);max-width:600px}
.ticks{list-style:none;padding:0;margin:20px 0 24px;display:grid;grid-template-columns:1fr 1fr;gap:10px 18px}
.ticks li{display:flex;gap:10px;align-items:flex-start;font-weight:700;color:var(--ink);font-size:16px}
.ticks svg{flex:0 0 22px;width:22px;height:22px;padding:3px;border-radius:50%;background:var(--grn);stroke:#fff;fill:none;stroke-width:3.5}
.photo{position:relative;border-radius:18px;overflow:hidden;box-shadow:var(--sh);border:4px solid #fff}
.photo img{width:100%;height:auto;object-fit:cover}
.photo .chip{position:absolute;left:14px;bottom:14px;background:#fff;border-radius:12px;padding:10px 14px;display:flex;gap:10px;align-items:center;box-shadow:var(--sh);font-size:13px;line-height:1.3}
.photo .chip b{display:block;color:var(--ink);font-size:14px}
.photo .chip svg{width:26px;height:26px;stroke:var(--blue);fill:none;stroke-width:2}

/* Quote card */
.card{position:sticky;top:92px;background:#fff;border:3px solid var(--blue);border-radius:18px;box-shadow:0 20px 50px rgba(29,95,224,.18);overflow:hidden}
.card .banner{background:var(--blue);color:#fff;text-align:center;font-weight:900;font-size:18px;padding:12px}
.card .banner small{display:block;font-weight:600;font-size:13px;opacity:.9}
.card form{padding:20px 24px 8px}
.card .top{display:flex;justify-content:space-between;font-size:13px;font-weight:700;color:var(--muted);margin-bottom:8px}
.card .lock{display:flex;gap:4px;align-items:center;color:var(--grn)}
.card .lock svg{width:14px;height:14px;stroke:currentColor;fill:none;stroke-width:2}
.bar{height:8px;background:var(--blue-l);border-radius:99px;overflow:hidden;margin-bottom:18px}
.bar i{display:block;height:100%;width:33%;background:var(--grn);border-radius:99px;transition:width .3s}
.step{display:none}
.step.on{display:block}
.step h2{font-size:24px;margin-bottom:4px}
.step .sub{color:var(--muted);font-size:15px;margin-bottom:12px}
label{display:block;font-weight:700;color:var(--ink);font-size:14px;margin:12px 0 6px}
input,select{width:100%;font:inherit;font-size:16px;padding:13px 14px;border:2px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-l)}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opt{margin:0;position:relative}
.opt input{position:absolute;opacity:0}
.opt span{display:block;text-align:center;padding:13px;border:2px solid var(--line);border-radius:10px;font-weight:700;cursor:pointer}
.opt input:checked+span{border-color:var(--blue);background:var(--blue-l);color:var(--blue)}
.step .btn{width:100%;margin-top:16px}
.back{background:none;border:0;color:var(--muted);font:inherit;font-size:14px;margin:10px auto 0;display:block;cursor:pointer;text-decoration:underline}
.err{color:var(--red);font-size:14px;font-weight:600;min-height:0;margin-top:8px}
.err:empty{display:none}
.consent{font-size:11.5px;line-height:1.5;color:var(--muted);margin-top:12px}
.done{text-align:center;padding:10px 0 20px}
.done .ico{background:var(--grn)}
.secure{font-size:13px;color:var(--muted);text-align:center;padding:0 20px 16px;margin:0}

/* Sections */
section{padding:80px 0}
.sky{background:var(--sky)}
.sh{max-width:760px;margin:0 auto 40px;text-align:center}
.sh p{font-size:19px;color:var(--body);margin-top:12px}
.kicker{display:inline-block;font-size:14px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);margin-bottom:10px}
.cta-row{text-align:center;margin-top:40px}

/* Trust strip */
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding-top:22px;padding-bottom:22px}
.trust .t{display:flex;gap:12px;align-items:center;font-size:14px;color:var(--muted);line-height:1.3}
.trust .t b{display:block;color:var(--ink);font-size:16px}
.trust svg{flex:0 0 40px;width:40px;height:40px;padding:9px;border-radius:10px;background:var(--blue-l);stroke:var(--blue);fill:none;stroke-width:2}

/* Problem */
.problem{max-width:820px;margin:0 auto}
.problem h2{text-align:center;margin-bottom:24px}
.xlist{list-style:none;padding:0;margin:24px 0;display:grid;gap:12px}
.xlist li{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-left:5px solid var(--red);border-radius:12px;padding:16px 18px;font-weight:600;color:var(--ink)}
.xlist li::before{content:"✕";color:var(--red);font-weight:900}
.big-quote{font-size:22px;font-weight:800;color:var(--ink);text-align:center;margin-top:24px}

/* Value stack */
.stack{max-width:820px;margin:0 auto;background:#fff;border:3px dashed var(--blue);border-radius:20px;padding:32px;box-shadow:var(--sh)}
.stack .row{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:16px 0;border-bottom:1px solid var(--line)}
.stack .row:last-of-type{border-bottom:0}
.stack .row b{color:var(--ink);font-size:18px;display:block}
.stack .row span{font-size:15px;color:var(--muted)}
.stack .tag{flex:0 0 auto;background:var(--blue-l);color:var(--blue);font-weight:900;font-size:13px;padding:6px 12px;border-radius:99px;text-transform:uppercase}
.stack .total{margin-top:14px;background:var(--hl);border-radius:12px;padding:18px;text-align:center;font-size:22px;font-weight:900;color:var(--ink)}
.stack .total s{color:var(--muted);font-weight:700;margin-right:8px}

/* Steps */
.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--sh)}
.tile p{margin:8px 0 0;font-size:16px}
.num{width:48px;height:48px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900;font-size:22px;display:grid;place-items:center;margin-bottom:16px}
.ico{width:52px;height:52px;border-radius:12px;background:var(--blue);display:grid;place-items:center;margin-bottom:14px}
.ico svg{width:26px;height:26px;stroke:#fff;fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}

/* Compare table */
.cmp{width:100%;max-width:960px;margin:0 auto;border-collapse:separate;border-spacing:0;background:#fff;border-radius:16px;overflow:hidden;box-shadow:var(--sh);border:1px solid var(--line);font-size:16px}
.cmp th,.cmp td{padding:16px 18px;text-align:center;border-bottom:1px solid var(--line)}
.cmp th:first-child,.cmp td:first-child{text-align:left;font-weight:700;color:var(--ink)}
.cmp thead th{background:var(--sky);color:var(--ink);font-weight:800}
.cmp thead th.us{background:var(--blue);color:#fff}
.cmp td.us{background:#F2F7FF;font-weight:800}
.cmp tr:last-child td{border-bottom:0}
.y{color:var(--grn);font-weight:900;font-size:20px}
.n{color:var(--red);font-weight:900;font-size:20px}

/* Split + promise */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split h2{margin-bottom:16px}
.promise{max-width:900px;margin:0 auto;display:grid;grid-template-columns:auto 1fr;gap:28px;align-items:center;background:#fff;border:3px solid var(--grn);border-radius:20px;padding:32px;box-shadow:var(--sh)}
.seal{width:120px;height:120px;border-radius:50%;background:var(--grn);color:#fff;display:grid;place-items:center;text-align:center;font-weight:900;font-size:15px;line-height:1.15;border:6px solid #DCFCE7;text-transform:uppercase}
.promise ul{margin:10px 0 0;padding-left:20px}
.promise li{margin:4px 0;font-weight:600;color:var(--ink)}

/* Calc teaser */
.calc-teaser{display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:center;background:var(--blue);color:#fff;border-radius:22px;padding:44px}
.calc-teaser h2{color:#fff}
.calc-teaser p{color:#DCE7FF;font-size:18px;margin-top:10px}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 20px}
.faq summary{list-style:none;cursor:pointer;padding:18px 0;font-weight:800;color:var(--ink);display:flex;justify-content:space-between;gap:16px;font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--blue);font-size:24px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{padding-bottom:16px;margin:0}

/* Final CTA */
.final{background:var(--blue);color:#fff;border-radius:24px;padding:56px 44px;display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.final h2{color:#fff;font-size:40px}
.final p{color:#DCE7FF;font-size:19px;margin:14px 0 24px}
.final .under{justify-content:flex-start;color:#DCE7FF}
.final .under span::before{color:var(--yel)}
.final .photo{border-color:rgba(255,255,255,.25)}
.final .or{margin-top:14px;font-weight:700}
.final .or a{color:#fff}

/* Inner page hero */
.ph-hero{background:var(--sky);padding:56px 0 44px;border-bottom:1px solid var(--line)}
.ph-hero h1{font-size:46px;margin:6px 0 12px;max-width:860px}
.ph-hero p{font-size:19px;max-width:720px;margin:0}

/* Calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--sh)}
.panel h3{margin-bottom:6px}
.field{padding:12px 0}
.field .row{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:8px}
.field label{margin:0}
.field output{font-weight:900;color:var(--blue);font-size:18px}
input[type=range]{-webkit-appearance:none;appearance:none;height:8px;padding:0;border:0;border-radius:99px;background:var(--blue-l);accent-color:var(--blue)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--blue);border:4px solid #fff;box-shadow:0 2px 8px rgba(0,0,0,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--blue);border:4px solid #fff;cursor:pointer}
.res{position:sticky;top:92px;background:#fff;border:3px solid var(--blue);border-radius:18px;padding:28px;box-shadow:0 20px 50px rgba(29,95,224,.15)}
.res .lbl{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.res .big{font-size:54px;font-weight:900;color:var(--ink);letter-spacing:-.03em;line-height:1.1;margin:4px 0}
.res .big{background:linear-gradient(transparent 60%,var(--hl) 60%);display:inline-block}
.res .kv{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}
.res .kv div{background:var(--sky);border-radius:12px;padding:12px 14px}
.res .kv b{display:block;font-size:20px;color:var(--ink);font-weight:900}
.res .bd{border-top:1px solid var(--line);padding-top:12px;font-size:15px}
.res .bd div{display:flex;justify-content:space-between;padding:5px 0}
.res .bd span:last-child{font-weight:800;color:var(--ink)}
.chartbox{margin-top:28px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--sh)}
.note{font-size:13px;color:var(--muted);margin-top:16px}

/* Footer */
footer{background:var(--ink);color:#CBD5E1;padding:56px 0 30px;font-size:15px}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}
footer h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin:0 0 12px}
footer a{color:#CBD5E1;text-decoration:none;display:block;padding:4px 0}
footer a:hover{color:#fff}
footer .fb{font-weight:900;color:#fff;font-size:20px}
footer .legal{border-top:1px solid #1E293B;margin-top:36px;padding-top:20px;font-size:12.5px;line-height:1.6;color:#94A3B8}
.sticky-call{position:fixed;left:0;right:0;bottom:0;display:none;z-index:40;background:#fff;border-top:1px solid var(--line);padding:10px 12px;gap:10px;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
.sticky-call a{flex:1;text-align:center;font-weight:900;text-decoration:none;border-radius:10px;padding:13px 8px;font-size:15px}
.sticky-call .c1{background:var(--blue);color:#fff}
.sticky-call .c2{background:var(--yel);color:var(--ink)}

@media (max-width:960px){
  nav.main,.hdr-cta .ph{display:none}
  .burger{display:block}
  .hdr-cta{margin-left:auto}
  h1,.hero h1{font-size:36px} h2,.final h2{font-size:30px} .ph-hero h1{font-size:34px}
  .hero{padding:24px 0 40px}
  .hero .wrap,.split,.calc,.calc-teaser,.final{grid-template-columns:1fr}
  .hero .lead{font-size:18px}
  .hero .photo{display:none}
  .ticks{grid-template-columns:1fr}
  .g3{grid-template-columns:1fr}
  .trust .wrap{grid-template-columns:1fr 1fr}
  section{padding:56px 0}
  .card,.res{position:static}
  .stack{padding:20px}
  .stack .row{align-items:flex-start}
  .promise{grid-template-columns:1fr;text-align:center}
  .promise .seal{margin:0 auto}
  .promise ul{text-align:left}
  .calc-teaser,.final{padding:32px 24px}
  .final .photo{display:none}
  .cmp{font-size:14px}
  .cmp th,.cmp td{padding:12px 8px}
  footer .cols{grid-template-columns:1fr}
  .sticky-call{display:flex}
  body{padding-bottom:72px}
  .util .hide-m{display:none}
  .util .wrap{justify-content:center}
  .btn.big{font-size:19px;padding:18px 22px;width:100%}
  .brand .nm{font-size:16px}
}
@media (max-width:420px){.brand .nm small{font-size:8.5px}.btn.sm{font-size:14px;padding:9px 12px}}

/* Carriers strip */
.carriers{background:#fff;padding:26px 0 30px;text-align:center;border-bottom:1px solid var(--line)}
.carriers p{font-size:14px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:0 0 14px}
.carriers small{display:block;margin-top:14px;font-size:12px;color:#94A3B8}

/* Sample plans */
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:980px;margin:0 auto}
.plan{position:relative;background:#fff;border:2px solid var(--line);border-radius:18px;padding:28px 24px;text-align:center;box-shadow:var(--sh)}
.plan.pop{border-color:var(--blue);transform:scale(1.04);box-shadow:0 20px 50px rgba(29,95,224,.18)}
.plan .badge{position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--blue);color:#fff;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.06em;padding:5px 14px;border-radius:99px;white-space:nowrap}
.plan .who{font-size:14px;font-weight:700;color:var(--muted)}
.plan .amt{font-size:36px;font-weight:900;color:var(--ink);letter-spacing:-.02em;margin-top:6px}
.plan .term{font-weight:700;color:var(--blue)}
.plan .price{font-size:44px;font-weight:900;color:var(--ink);margin:14px 0 18px;line-height:1}
.plan .price{background:linear-gradient(transparent 60%,var(--hl) 60%);display:inline-block;padding:0 6px}
.plan .price span{font-size:18px;color:var(--muted);font-weight:700}

/* Phone call section */
.call{background:var(--ink);color:#CBD5E1}
.call h2{color:#fff;font-size:42px;max-width:820px;margin:0 auto 14px}
.call p{font-size:19px;max-width:680px;margin:0 auto 28px}
.call-btns{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.call .btn.ghost{background:transparent;color:#fff;border-color:#475569}
@media (max-width:960px){
  .plans{grid-template-columns:1fr;gap:26px}
  .plan.pop{transform:none}
  .call h2{font-size:30px}
}

/* ===== Learning Center ===== */
footer .cols.cols4{grid-template-columns:1.6fr 1fr 1.2fr .9fr}
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.gcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;text-decoration:none;box-shadow:var(--sh);transition:transform .15s,border-color .15s}
.gcard:hover{transform:translateY(-3px);border-color:var(--blue)}
.gcard h3{font-size:19px;margin:10px 0 8px;color:var(--ink)}
.gcard p{font-size:15px;color:var(--muted);margin:0 0 16px;flex:1}
.gcat{align-self:flex-start;background:var(--blue-l);color:var(--blue);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;padding:4px 10px;border-radius:99px}
.gmore{font-weight:800;color:var(--blue);font-size:15px}
.hub-h{font-size:26px;margin:44px 0 18px;padding-bottom:10px;border-bottom:2px solid var(--line)}
.start-here{display:flex;justify-content:space-between;align-items:center;gap:24px;background:var(--hl);border-radius:20px;padding:28px 32px}
.start-here p{margin:8px 0 0}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--blue)}
.art-hero h1{font-size:44px}
.byline{display:flex;gap:12px;align-items:center;margin-top:18px;font-size:15px;line-height:1.4}
.byline .av{width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900;display:grid;place-items:center;flex:0 0 44px}
.byline small{color:var(--muted)}
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.prose{font-size:18px;line-height:1.75;max-width:760px}
.prose h2{font-size:30px;margin:44px 0 14px;scroll-margin-top:90px}
.prose h3{font-size:21px;margin:26px 0 8px}
.prose p,.prose li{color:var(--body)}
.prose ul,.prose ol{padding-left:22px;margin:0 0 16px}
.prose li{margin:6px 0}
.prose a{font-weight:600}
.answer{background:var(--sky);border-left:5px solid var(--blue);border-radius:12px;padding:18px 22px;font-size:18px}
.callout{background:#F0FDF4;border:1px solid #BBF7D0;border-radius:12px;padding:16px 20px;margin:16px 0;font-size:17px}
.toc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:24px;font-size:16px}
.toc ol{margin:8px 0 0;padding-left:20px}
.toc li{margin:4px 0}
.toc a{text-decoration:none}
.tbl{overflow-x:auto;margin:16px 0 20px;border:1px solid var(--line);border-radius:12px}
.tbl table{width:100%;border-collapse:collapse;font-size:15.5px;min-width:520px}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;line-height:1.5}
.tbl thead th{background:var(--sky);color:var(--ink);font-weight:800}
.tbl tr:last-child td{border-bottom:0}
.tbl td:first-child{font-weight:700;color:var(--ink)}
.inline-cta{display:flex;justify-content:space-between;align-items:center;gap:18px;background:var(--hl);border-radius:16px;padding:20px 24px;margin:32px 0}
.inline-cta b{display:block;color:var(--ink);font-size:19px}
.inline-cta span{font-size:15px}
.inline-cta .btn{flex:0 0 auto;font-size:16px;padding:14px 20px}
.inline-cta.call-i{background:var(--blue-l)}
.side{position:sticky;top:92px;display:grid;gap:18px}
.side-card{background:#fff;border:3px solid var(--blue);border-radius:18px;overflow:hidden;box-shadow:var(--sh)}
.side-card .banner{background:var(--blue);color:#fff;text-align:center;font-weight:900;font-size:18px;padding:12px}
.side-card .banner small{display:block;font-weight:600;font-size:13px;opacity:.9}
.side-card .ticks li{font-size:15px}
.side-call{display:block;text-align:center;margin-top:12px;font-weight:800;text-decoration:none}
.side-calc{border:1px solid var(--line);padding:20px}
.side-calc b{color:var(--ink);font-size:17px}
.side-calc p{margin:4px 0 10px;font-size:15px}
.side-calc a{font-weight:800;text-decoration:none}
@media (max-width:960px){
  .guides{grid-template-columns:1fr}
  .art-grid{grid-template-columns:minmax(0,1fr)}
  .side{position:static}
  .art-hero h1{font-size:32px}
  .prose{font-size:17px}
  .prose h2{font-size:25px}
  .inline-cta,.start-here{flex-direction:column;align-items:stretch;text-align:left}
  footer .cols.cols4{grid-template-columns:1fr 1fr}
}

/* Carrier logo marquee */
.marquee{position:relative;overflow:hidden;padding:6px 0;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee .track{display:flex;width:max-content;animation:scroll 40s linear infinite}
.marquee.rev .track{animation-direction:reverse;animation-duration:36s}
.marquee+.marquee{margin-top:6px}
.marquee:hover .track{animation-play-state:paused}
.marquee .logo{flex:0 0 auto;height:70px;padding:0 26px;display:flex;align-items:center}
.marquee .logo img{max-height:46px;max-width:180px;width:auto;height:auto;object-fit:contain}
@keyframes scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.marquee .track{animation:none;flex-wrap:wrap;width:auto;justify-content:center}.marquee .logo[aria-hidden]{display:none}}
@media (max-width:960px){.marquee .logo{height:56px;padding:0 18px}.marquee .logo img{max-height:36px;max-width:120px}.marquee .track{animation-duration:30s}.marquee.rev .track{animation-duration:27s}}

.hero .photo{max-width:500px}
.hero .photo .chip{left:auto;right:14px}
.plan .mo{font-size:14px;color:var(--muted);font-weight:600;margin:-10px 0 16px}
.hero .fine{font-size:12px;color:var(--muted);margin:-12px 0 18px;max-width:600px}