:root{--navy:#0F1B3D;--navy2:#16234E;--blue:#00BCF8;--blue-l:#7DD8FB;--ink:#0F1B3D;--muted:#55607F;--bg:#F3F8FE;--card:#fff;--line:#DCE6F5;--green:#20B978;
--r:24px;--ease:cubic-bezier(.22,1,.36,1);--sp1:8px;--sp2:16px;--sp3:24px;--sp4:32px;--sp5:48px;--sp6:96px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:'Plus Jakarta Sans',system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.08;letter-spacing:-.03em;margin:0;text-wrap:balance}
h1{font-size:clamp(2.5rem,6.4vw,4.6rem);font-weight:800}h2{font-size:clamp(2rem,4.4vw,3.2rem);font-weight:800}h3{font-size:1.25rem;font-weight:700;letter-spacing:-.02em}
p{margin:0}.lead{font-size:clamp(1.05rem,1.6vw,1.2rem);color:var(--muted);max-width:56ch}
.eyebrow{display:inline-flex;gap:8px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:99px;padding:7px 14px;font-size:.8rem;font-weight:700;color:#0A7BA8;box-shadow:0 6px 20px -10px rgba(0,120,200,.35)}
.eyebrow i{width:8px;height:8px;border-radius:50%;background:var(--blue);box-shadow:0 0 0 4px rgba(0,188,248,.2)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 26px;border-radius:99px;font:700 .98rem inherit;font-family:inherit;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform .25s var(--ease),box-shadow .25s,background .2s;touch-action:manipulation}
.btn-p{background:var(--blue);color:var(--navy);box-shadow:0 12px 28px -10px rgba(0,188,248,.8)}.btn-p:hover{transform:translateY(-2px);box-shadow:0 16px 34px -10px rgba(0,188,248,.9)}
.btn-d{background:var(--navy);color:#fff}.btn-d:hover{transform:translateY(-2px)}
.btn-o{background:#fff;border-color:var(--navy);color:var(--navy)}.btn-o:hover{background:var(--navy);color:#fff}
.btn:active{transform:scale(.97)}
:focus-visible{outline:3px solid var(--navy);outline-offset:3px;border-radius:8px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:200}.skip:focus{left:8px}
/* nav */
.nav{position:fixed;top:12px;left:0;right:0;z-index:100;padding:0 12px}
.nav-in{max-width:1160px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:12px;background:rgba(255,255,255,.78);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.9);box-shadow:0 10px 40px -16px rgba(15,27,61,.25);border-radius:99px;padding:8px 8px 8px 22px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;font-size:1.15rem;letter-spacing:-.03em}.logo svg{height:30px;width:auto}
.nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:4px;border:1px solid var(--line);border-radius:99px;background:#fff}
.nav ul a{display:block;padding:8px 16px;border-radius:99px;font-size:.88rem;font-weight:600;text-decoration:none;color:var(--muted);transition:.2s}.nav ul a:hover{color:var(--navy);background:#EAF6FE}
.nav .btn{min-height:44px;padding:0 20px;font-size:.9rem}
@media(max-width:820px){.nav ul{display:none}}
/* hero */
.hero{position:relative;padding:150px 0 0;background:linear-gradient(180deg,#CDEBFF 0%,#E4F3FF 38%,#fff 100%);overflow:hidden;text-align:center}
.hero .blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:.55;pointer-events:none;will-change:transform}
.b1{width:480px;height:480px;background:#7DD8FB;left:-120px;top:40px}.b2{width:420px;height:420px;background:#A9B8FF;right:-100px;top:120px}
.hero .wrap{position:relative;z-index:2}
.hero h1{margin:22px auto 20px;max-width:15ch}.hero h1 em{font-style:normal;background:linear-gradient(90deg,#0098D4,#00BCF8);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{margin:0 auto 30px}.cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.stage{position:relative;margin:64px auto 0;height:560px;max-width:980px}
.phone{position:absolute;left:50%;top:0;transform:translateX(-50%);width:292px;height:600px;border-radius:44px;background:#0B1330;padding:10px;box-shadow:0 50px 90px -30px rgba(15,27,61,.55),inset 0 0 0 2px #26335F}
.screen{height:100%;border-radius:36px;background:linear-gradient(180deg,#EAF6FF,#fff 55%);overflow:hidden;position:relative;padding:44px 14px 0;text-align:left}
.screen::before{content:"";position:absolute;top:10px;left:50%;transform:translateX(-50%);width:84px;height:24px;background:#0B1330;border-radius:99px}
.s-h{font-size:.7rem;color:var(--muted);font-weight:600}.s-t{font-weight:800;font-size:1.15rem;letter-spacing:-.02em;margin:2px 0 12px}
.lead-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px;margin-bottom:10px;box-shadow:0 10px 24px -16px rgba(15,27,61,.4)}
.lead-card b{display:block;font-size:.8rem}.lead-card span{font-size:.7rem;color:var(--muted)}
.tag{display:inline-block;font-size:.62rem;font-weight:800;border-radius:99px;padding:3px 9px;background:#E3F6FE;color:#007BAA;margin-bottom:6px}
.tag.g{background:#E1F7EC;color:#10784D}
.lead-card.n{animation:drop 7s var(--ease) infinite}.lead-card.n:nth-child(3){animation-delay:.6s}.lead-card.n:nth-child(4){animation-delay:1.2s}
@keyframes drop{0%{opacity:0;transform:translateY(-14px) scale(.97)}8%,88%{opacity:1;transform:none}100%{opacity:0}}
.chip{position:absolute;display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.82);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid #fff;border-radius:18px;padding:12px 16px;box-shadow:0 24px 50px -22px rgba(15,27,61,.4);text-align:left;z-index:3}
.chip b{display:block;font-size:.88rem;line-height:1.2}.chip small{color:var(--muted);font-size:.74rem}
.chip .ic{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;background:var(--navy);color:var(--blue);flex:none}
.chip.dk{background:var(--navy);color:#fff;border-color:#1E2E5E}.chip.dk small{color:#9DB0DB}.chip.dk .ic{background:#1E2E5E}
.c1{left:2%;top:90px;animation:fl 6s ease-in-out infinite}.c2{right:2%;top:60px;animation:fl 7s ease-in-out -2s infinite}.c3{left:6%;top:330px;animation:fl 8s ease-in-out -4s infinite}.c4{right:4%;top:320px;animation:fl 6.5s ease-in-out -1s infinite}
@keyframes fl{50%{transform:translateY(-12px)}}
.note{font-size:.78rem;color:var(--muted);margin-top:14px}
@media(max-width:900px){.stage{height:520px;margin-top:48px}.c1,.c3{left:-4px}.c2,.c4{right:-4px}.chip{padding:9px 12px;transform-origin:center}.chip small{display:none}.c1{top:40px}.c2{top:120px}.c3{top:380px}.c4{top:300px}}
@media(max-width:520px){.phone{width:262px;height:540px}.stage{height:480px}.chip b{font-size:.76rem}.c3{top:340px}.c4{top:250px}}
/* sections */
section{padding:var(--sp6) 0}
.sec-h{text-align:center;display:grid;gap:16px;justify-items:center;margin-bottom:56px}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:-1px;padding:48px 0}
.fact{text-align:center}.fact b{display:block;font-size:2.2rem;font-weight:800;letter-spacing:-.03em;color:var(--navy)}.fact span{font-size:.88rem;color:var(--muted)}
@media(max-width:700px){.facts{grid-template-columns:repeat(2,1fr)}}
.band{background:var(--bg);border-radius:40px;margin:0 12px}
.bento{display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.bc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;display:grid;gap:12px;align-content:start;box-shadow:0 18px 40px -28px rgba(15,27,61,.35);transition:transform .35s var(--ease),box-shadow .35s}
.bc:hover{transform:translateY(-4px);box-shadow:0 26px 50px -26px rgba(0,120,200,.45)}
.bc p{color:var(--muted);font-size:.96rem}.bc .ico{width:46px;height:46px;border-radius:14px;background:#E6F6FE;color:#0092C8;display:grid;place-items:center}
.s2{grid-column:span 2}.s3{grid-column:span 3}.s4{grid-column:span 4}
.bc.dark{background:linear-gradient(145deg,var(--navy),var(--navy2));color:#fff;border-color:transparent}.bc.dark p{color:#B7C6EA}.bc.dark .ico{background:#1E2E5E;color:var(--blue)}
@media(max-width:900px){.s2,.s3,.s4{grid-column:span 6}}
@media(min-width:901px) and (max-width:1100px){.s2{grid-column:span 3}}
/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;position:relative}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;position:relative}
.step .n{width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--blue);font-weight:800;display:grid;place-items:center;margin-bottom:18px}
.step p{color:var(--muted);margin-top:8px}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
/* pricing */
.price-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;align-items:stretch}
.pc{background:#fff;border:1.5px solid var(--line);border-radius:var(--r);padding:26px;display:flex;flex-direction:column;gap:14px;position:relative;transition:transform .35s var(--ease),box-shadow .35s}
.pc:hover{transform:translateY(-6px);box-shadow:0 30px 60px -30px rgba(0,120,200,.5)}
.pc.feat{border-color:var(--blue);background:linear-gradient(180deg,#F0FAFF,#fff 40%);box-shadow:0 0 0 4px rgba(0,188,248,.12)}
.badge{position:absolute;top:18px;right:18px;background:var(--navy);color:#fff;font-size:.68rem;font-weight:700;border-radius:99px;padding:4px 11px}
.pc h3{font-size:1.05rem}.amt{font-size:2.2rem;font-weight:800;letter-spacing:-.04em;font-variant-numeric:tabular-nums}.amt small{font-size:.85rem;font-weight:600;color:var(--muted);letter-spacing:0}
.pc .dp{font-size:.82rem;font-weight:700;color:#0A7BA8}
.pc ul{list-style:none;margin:0;padding:16px 0 0;border-top:1px solid var(--line);display:grid;gap:10px;font-size:.9rem;flex:1}
.pc li{display:flex;gap:10px;align-items:flex-start;color:#2B3558}.pc li svg{flex:none;margin-top:3px;color:var(--green)}
.fine{text-align:center;color:var(--muted);font-size:.85rem;margin-top:24px}
@media(max-width:1020px){.price-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.price-grid{grid-template-columns:1fr}}
/* table */
.tbl{margin-top:48px;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff}
.tbl-s{overflow-x:auto}table{width:100%;border-collapse:collapse;min-width:620px;font-size:.92rem}
th,td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line)}th{background:#F3F8FE;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}tr:last-child td{border:0}
td.y{color:var(--green);font-weight:700}
/* faq */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
details{background:#fff;border:1px solid var(--line);border-radius:20px;padding:0 24px;transition:box-shadow .3s}
details[open]{box-shadow:0 18px 40px -28px rgba(0,120,200,.5);border-color:var(--blue-l)}
summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;font-weight:700;padding:20px 0;min-height:56px}
summary::-webkit-details-marker{display:none}summary svg{flex:none;transition:transform .3s var(--ease);color:#0092C8}details[open] summary svg{transform:rotate(45deg)}
details p{color:var(--muted);padding:0 0 22px}
/* order */
.order{background:linear-gradient(160deg,var(--navy),#142253 60%,#0C3A68);color:#fff;border-radius:40px;margin:0 12px;position:relative;overflow:hidden}
.order::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:var(--blue);opacity:.16;filter:blur(90px);right:-140px;top:-160px}
.order .wrap{position:relative;display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.order .lead{color:#B7C6EA}.order ul{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:14px}.order li{display:flex;gap:12px;color:#DCE6FB}.order li svg{color:var(--blue);flex:none;margin-top:3px}
form{background:#fff;color:var(--ink);border-radius:var(--r);padding:30px;display:grid;gap:18px;box-shadow:0 40px 80px -30px rgba(0,0,0,.5)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label,legend{font-size:.82rem;font-weight:700;display:block;margin-bottom:6px;padding:0}
input,select,textarea{width:100%;min-height:48px;border:1.5px solid var(--line);border-radius:14px;padding:12px 14px;font:500 1rem inherit;font-family:inherit;background:#fff;color:var(--ink);transition:border-color .2s,box-shadow .2s}
textarea{min-height:90px;resize:vertical}input:focus,select:focus,textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(0,188,248,.2)}
input[aria-invalid=true],select[aria-invalid=true]{border-color:#D6334A}
.err{color:#B3263B;font-size:.78rem;margin-top:4px;min-height:0}
fieldset{border:0;margin:0;padding:0}.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opt{position:relative}.opt input{position:absolute;opacity:0;inset:0;min-height:0;cursor:pointer}
.opt span{display:flex;flex-direction:column;border:1.5px solid var(--line);border-radius:14px;padding:12px 14px;font-weight:700;font-size:.9rem;transition:.2s;min-height:60px;justify-content:center}.opt span small{font-weight:500;color:var(--muted);font-size:.76rem}
.opt input:checked+span{border-color:var(--blue);background:#EAF8FF;box-shadow:0 0 0 3px rgba(0,188,248,.18)}.opt input:focus-visible+span{outline:3px solid var(--navy);outline-offset:2px}
.form-msg{border-radius:14px;padding:14px;font-size:.92rem;display:none}.form-msg.ok{display:block;background:#E1F7EC;color:#0D5F3E}.form-msg.no{display:block;background:#FDECEF;color:#8E1F30}
.legal{font-size:.76rem;color:var(--muted);text-align:center}
@media(max-width:900px){.order .wrap{grid-template-columns:1fr;gap:36px}.row,.opts{grid-template-columns:1fr}}
footer{padding:56px 0 40px;color:var(--muted);font-size:.88rem}.foot{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;align-items:center}.foot nav{display:flex;gap:20px;flex-wrap:wrap}.foot a{text-decoration:none}.foot a:hover{color:var(--navy)}
/* motion gating: content visible unless JS+GSAP are active */
.js [data-r]{opacity:0;transform:translateY(28px)}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.js [data-r]{opacity:1;transform:none}.lead-card.n{opacity:1}}
.badge{top:-12px;right:auto;left:26px}
.amt{font-size:clamp(1.8rem,2.4vw,2.2rem);white-space:nowrap}.amt small{font-size:.8rem}
/* Liquid-metal buttons (CSS + a few lines of JS, brand colours only) */
@property --lm-a{syntax:"<angle>";inherits:false;initial-value:0deg}
.lm{position:relative;display:inline-flex;flex:none;border-radius:99px;padding:2px;text-decoration:none;color:#fff;font:700 .9rem 'Plus Jakarta Sans',system-ui,sans-serif;white-space:nowrap;
 background:conic-gradient(from var(--lm-a),#7DD8FB,#fff 12%,#1E8FF0 28%,#00BCF8 44%,#EAF8FF 56%,#7DD8FB 70%,#1E8FF0 86%,#7DD8FB);
 animation:lm-spin 6s linear infinite;box-shadow:0 10px 24px -10px rgba(0,188,248,.7),0 2px 4px rgba(15,27,61,.25);transition:transform .25s cubic-bezier(.34,1.56,.64,1),box-shadow .25s;touch-action:manipulation}
.lm span{position:relative;display:flex;align-items:center;min-height:40px;padding:0 20px;border-radius:99px;overflow:hidden;
 background:radial-gradient(120px 70px at var(--mx,30%) var(--my,0%),rgba(125,216,251,.38),transparent 65%),linear-gradient(180deg,#1E2E5E,#0F1B3D);
 text-shadow:0 1px 2px rgba(0,0,0,.45)}
.lm span::after{content:"";position:absolute;inset:0;background:linear-gradient(115deg,transparent 38%,rgba(255,255,255,.28) 50%,transparent 62%);background-size:260% 100%;background-position:130% 0;transition:background-position .9s cubic-bezier(.22,1,.36,1);pointer-events:none}
.lm:hover{transform:translateY(-1px);animation-duration:2.6s;box-shadow:0 14px 28px -10px rgba(0,188,248,.85),0 2px 4px rgba(15,27,61,.3)}
.lm:hover span::after{background-position:-30% 0}
.lm:active{transform:scale(.97)}
.lm:focus-visible{outline:3px solid #0F1B3D;outline-offset:3px}
@keyframes lm-spin{to{--lm-a:360deg}}
@media(prefers-reduced-motion:reduce){.lm{animation:none}.lm span::after{transition:none}}

.lm{border:0;cursor:pointer;font-family:inherit}
.lm-lg{font-size:1rem}.lm-lg span{min-height:48px;padding:0 30px;justify-content:center}
.lm-block{display:flex;width:100%}.lm-block span{flex:1}
.lm:disabled{opacity:.7;cursor:progress;animation-play-state:paused}
.cta-row .lm{flex:none}

/* blue-faced variant: brand blue face, navy text (white fails contrast on #00BCF8), silver/navy rotating rim */
.lm-blue{background:conic-gradient(from var(--lm-a),#fff,#BFEFFF 14%,#1F7FE0 30%,#0F1B3D 42%,#7DD8FB 54%,#fff 66%,#BFEFFF 78%,#1F7FE0 90%,#fff);box-shadow:0 12px 28px -10px rgba(0,188,248,.85),0 2px 4px rgba(15,27,61,.25)}
.lm-blue span{color:#0F1B3D;text-shadow:none;background:radial-gradient(120px 70px at var(--mx,30%) var(--my,0%),rgba(255,255,255,.55),transparent 65%),linear-gradient(180deg,#3FD0FF,#00BCF8 55%,#00A9E8)}
.lm-blue span::after{background:linear-gradient(115deg,transparent 38%,rgba(255,255,255,.55) 50%,transparent 62%);background-size:260% 100%;background-position:130% 0}
.lm-blue:hover span::after{background-position:-30% 0}
.lm-blue:hover{box-shadow:0 16px 32px -10px rgba(0,188,248,.95),0 2px 4px rgba(15,27,61,.3)}
.lm-blue:focus-visible{outline-color:#0F1B3D}

/* silver face (Standard): navy text, cool silver face, blue/navy rim */
.lm-silver{background:conic-gradient(from var(--lm-a),#0F1B3D,#7DD8FB 16%,#fff 30%,#1E8FF0 46%,#BFD0E6 60%,#fff 74%,#7DD8FB 88%,#0F1B3D);box-shadow:0 10px 24px -12px rgba(15,27,61,.55),0 2px 4px rgba(15,27,61,.2)}
.lm-silver span{color:#0F1B3D;text-shadow:none;background:radial-gradient(120px 70px at var(--mx,30%) var(--my,0%),rgba(0,188,248,.28),transparent 65%),linear-gradient(180deg,#FFFFFF,#E3ECF8 60%,#D3DFF0)}
.lm-silver span::after{background:linear-gradient(115deg,transparent 38%,rgba(0,188,248,.28) 50%,transparent 62%);background-size:260% 100%;background-position:130% 0}
.lm-silver:hover span::after{background-position:-30% 0}
/* green face (Final Expense): brand green, navy text for contrast, silver/green rim */
.lm-green{background:conic-gradient(from var(--lm-a),#fff,#C9F5DF 14%,#20B978 30%,#0F1B3D 42%,#45D692 54%,#fff 66%,#C9F5DF 78%,#20B978 90%,#fff);box-shadow:0 12px 28px -10px rgba(32,185,120,.8),0 2px 4px rgba(15,27,61,.25)}
.lm-green span{color:#0F1B3D;text-shadow:none;background:radial-gradient(120px 70px at var(--mx,30%) var(--my,0%),rgba(255,255,255,.5),transparent 65%),linear-gradient(180deg,#5CE3A5,#20B978 55%,#18A56A)}
.lm-green span::after{background:linear-gradient(115deg,transparent 38%,rgba(255,255,255,.5) 50%,transparent 62%);background-size:260% 100%;background-position:130% 0}
.lm-green:hover span::after{background-position:-30% 0}
.lm-green:hover{box-shadow:0 16px 32px -10px rgba(32,185,120,.9),0 2px 4px rgba(15,27,61,.3)}
.lm-silver:focus-visible,.lm-green:focus-visible{outline-color:#0F1B3D}
/* nav wordmark text: Montserrat ExtraBold, the logo's wordmark face */
.logo{gap:10px;min-width:0}
.logo-text{font:800 1.12rem/1 'Montserrat','Plus Jakarta Sans',system-ui,sans-serif;letter-spacing:-.02em;color:#0F1B3D;white-space:nowrap}
@media(max-width:560px){.logo-text{font-size:.9rem;white-space:normal;line-height:1.05;max-width:7.2em}.nav-in{padding-left:14px}.nav .lm{font-size:.82rem}.nav .lm span{padding:0 14px}}