:root{
  --bg:#f3f5f8; --white:#ffffff; --navy:#14213d; --navy2:#22335a; --ink:#1b2333; --ink2:#465068; --muted:#7a8399;
  --ochre:#f2a541; --ochre2:#d98a1f; --sky:#8fb8de; --sky2:#e3eef8; --line:#dfe4ec; --rose:#e9d6c3;
  --r:10px; --max:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--ink);font:17px/1.7 "Source Sans 3",system-ui,sans-serif;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy2);text-underline-offset:3px}
h1,h2,h3,h4{font-family:Sora,system-ui,sans-serif;font-weight:700;line-height:1.18;letter-spacing:-.02em;color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.blk{padding:90px 0}
.blk.w{background:var(--white)}
.blk.n{background:var(--navy);color:#cdd6e6}
.blk.n h2,.blk.n h3{color:#fff}
.lbl{display:inline-block;font-family:Sora,sans-serif;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ochre2);margin-bottom:12px}
.blk.n .lbl{color:var(--ochre)}
h2{font-size:clamp(28px,3.8vw,42px);margin-bottom:16px}
.sub{font-size:19px;color:var(--ink2);max-width:720px}
.blk.n .sub{color:#b7c3d9}
.head2{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;flex-wrap:wrap;margin-bottom:44px}

/* header */
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;height:78px;gap:36px}
.logo{display:flex;align-items:center;gap:11px;font-family:Sora,sans-serif;font-weight:800;font-size:21px;color:var(--navy);text-decoration:none;margin-right:auto}
.logo img{width:38px;height:38px}
.menu{display:flex;gap:4px;list-style:none}
.menu a{display:block;padding:8px 14px;border-radius:8px;color:var(--ink2);text-decoration:none;font-weight:600;font-size:15px}
.menu a:hover{background:var(--bg);color:var(--navy)}
.menu a.on{background:var(--sky2);color:var(--navy)}
.cta-top{background:var(--navy);color:#fff;text-decoration:none;font-weight:700;font-size:15px;padding:11px 20px;border-radius:8px;white-space:nowrap}
.cta-top:hover{background:var(--navy2)}
.burger{display:none;margin-left:auto;background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:6px 12px;font-size:18px;cursor:pointer;color:var(--navy)}
@media(max-width:1060px){
  .menu{display:none;position:absolute;top:78px;left:0;right:0;flex-direction:column;background:var(--white);border-bottom:1px solid var(--line);padding:10px}
  .menu.open{display:flex}
  .cta-top{display:none}
  .burger{display:block}
  .logo{margin-right:0}
}

.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 24px;border-radius:8px;font-weight:700;font-size:16px;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit}
.btn.o{background:var(--ochre);color:var(--navy)} .btn.o:hover{background:#f6b85f}
.btn.g{border-color:rgba(255,255,255,.35);color:#fff} .btn.g:hover{border-color:#fff}
.btn.nv{background:var(--navy);color:#fff} .btn.nv:hover{background:var(--navy2)}
.btn.ln{border-color:var(--navy);color:var(--navy)} .btn.ln:hover{background:var(--navy);color:#fff}

/* hero */
.hero{background:var(--navy);color:#cdd6e6;padding:80px 0 0;overflow:hidden}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:end}
.hero h1{color:#fff;font-size:clamp(38px,5.4vw,62px);margin-bottom:22px}
.hero h1 mark{background:none;color:var(--ochre)}
.hero p{font-size:19px;color:#b7c3d9;max-width:600px;margin-bottom:30px}
.hero .btns{display:flex;gap:12px;flex-wrap:wrap;padding-bottom:80px}
.hero-img{align-self:end}
@media(max-width:900px){.hero-in{grid-template-columns:1fr}.hero .btns{padding-bottom:30px}}
.figs{background:var(--white);border-radius:var(--r);box-shadow:0 24px 50px -30px rgba(20,33,61,.5);display:grid;grid-template-columns:repeat(4,1fr);margin-top:-50px;position:relative;z-index:2}
.figs div{padding:26px 24px;border-right:1px solid var(--line)}
.figs div:last-child{border-right:none}
.figs b{display:block;font-family:Sora,sans-serif;font-size:30px;color:var(--navy)}
.figs span{font-size:14px;color:var(--muted)}
.figs-src{font-size:13px;color:var(--muted);margin-top:12px}
@media(max-width:860px){.figs{grid-template-columns:1fr 1fr}.figs div:nth-child(2){border-right:none}.figs div:nth-child(-n+2){border-bottom:1px solid var(--line)}}

/* toc tiles */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:960px){.tiles{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.tiles{grid-template-columns:1fr}}
.tile{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:24px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:10px;transition:.2s}
.tile:hover{border-color:var(--navy);box-shadow:0 14px 30px -22px rgba(20,33,61,.5)}
.tile .ic{width:44px;height:44px;border-radius:10px;background:var(--sky2);display:grid;place-items:center;font-size:20px}
.tile h3{font-size:19px}
.tile p{font-size:15px;color:var(--ink2);flex:1}
.tile .go{font-weight:700;color:var(--ochre2);font-size:14px}

/* process */
.proc{display:grid;grid-template-columns:repeat(5,1fr);gap:0;margin-top:20px;position:relative}
.proc::before{content:"";position:absolute;top:28px;left:10%;right:10%;height:2px;background:repeating-linear-gradient(90deg,var(--sky) 0 8px,transparent 8px 14px)}
.proc div{text-align:center;padding:0 12px;position:relative}
.proc .dot{width:56px;height:56px;border-radius:50%;background:var(--navy);color:var(--ochre);font-family:Sora,sans-serif;font-weight:800;font-size:20px;display:grid;place-items:center;margin:0 auto 16px;border:5px solid var(--bg)}
.blk.w .proc .dot{border-color:var(--white)}
.proc h4{font-size:17px;margin-bottom:6px}
.proc p{font-size:15px;color:var(--ink2)}
@media(max-width:900px){.proc{grid-template-columns:1fr;gap:24px}.proc::before{display:none}.proc div{text-align:left;display:grid;grid-template-columns:56px 1fr;gap:0 16px}.proc .dot{margin:0;grid-row:span 2}}

/* two col */
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media(max-width:900px){.two{grid-template-columns:1fr}}
.two .txt p{color:var(--ink2);margin-bottom:14px}
.two img{border-radius:var(--r)}

/* bars */
.bars{margin-top:24px}
.bar{display:grid;grid-template-columns:150px 1fr 60px;gap:14px;align-items:center;margin-bottom:12px;font-size:15px}
.bar .t{height:14px;border-radius:7px;background:var(--sky2);overflow:hidden}
.bar .t i{display:block;height:100%;background:var(--navy);border-radius:7px}
.bar b{font-family:Sora,sans-serif;color:var(--navy);text-align:right}

/* fee timeline */
.fees{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:10px}
@media(max-width:900px){.fees{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.fees{grid-template-columns:1fr}}
.fee{background:var(--white);border-radius:var(--r);padding:24px;border-top:4px solid var(--ochre)}
.fee .when{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.fee h3{font-size:19px;margin:6px 0}
.fee .amt{font-family:Sora,sans-serif;font-size:24px;font-weight:800;color:var(--ochre2);margin-bottom:8px}
.fee p{font-size:15px;color:var(--ink2)}

/* tax cards */
.tax{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:900px){.tax{grid-template-columns:1fr}}
.tax div{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:24px}
.tax h3{font-size:18px;margin-bottom:8px}
.tax p{font-size:15px;color:#b7c3d9}
.tax .rate{display:inline-block;background:var(--ochre);color:var(--navy);font-weight:800;font-size:13px;padding:3px 10px;border-radius:5px;margin-bottom:10px}

/* compare table */
.vs{overflow-x:auto;border-radius:var(--r);border:1px solid var(--line);background:var(--white)}
.vs table{width:100%;border-collapse:collapse;min-width:720px}
.vs th,.vs td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line);font-size:15px;vertical-align:top}
.vs thead th{font-family:Sora,sans-serif;font-size:16px;background:var(--navy);color:#fff}
.vs thead th:nth-child(2){background:var(--navy2)}
.vs tbody th{width:22%;color:var(--navy);font-weight:700;background:#fafbfd}
.vs tr:last-child td,.vs tr:last-child th{border-bottom:none}
.win{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;background:var(--sky2);color:var(--navy);padding:2px 8px;border-radius:4px;margin-left:6px}

/* risk */
.risks{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:10px}
@media(max-width:800px){.risks{grid-template-columns:1fr}}
.risk{display:flex;gap:16px;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.risk .n{flex:none;width:36px;height:36px;border-radius:8px;background:#fdebd3;color:var(--ochre2);font-family:Sora,sans-serif;font-weight:800;display:grid;place-items:center}
.risk h3{font-size:18px;margin-bottom:4px}
.risk p{font-size:15px;color:var(--ink2)}

/* sim */
.sim{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:960px){.sim{grid-template-columns:1fr}}
.box{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.box h3{font-size:20px;margin-bottom:16px;display:flex;align-items:center;gap:10px}
.box h3 i{width:12px;height:12px;border-radius:3px;display:inline-block}
.fl{display:grid;grid-template-columns:1fr 120px;gap:8px 14px;align-items:center;margin-bottom:12px}
.fl label{font-size:15px;color:var(--ink2)}
.fl input,.fl select{width:100%;border:1px solid var(--line);border-radius:7px;padding:8px 10px;font:inherit;font-weight:600;color:var(--navy);background:var(--bg);text-align:right}
.fl select{text-align:left}
.common{grid-column:1/-1}
.common .row{display:grid;grid-template-columns:repeat(3,1fr);gap:0 26px}
@media(max-width:760px){.common .row{grid-template-columns:1fr}}
.res{grid-column:1/-1;background:var(--navy);color:#cdd6e6;border-radius:var(--r);padding:30px}
.res h3{color:#fff;margin-bottom:18px}
.rgrid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:760px){.rgrid{grid-template-columns:1fr}}
.rcol{background:rgba(255,255,255,.06);border-radius:8px;padding:20px}
.rcol h4{color:#fff;font-size:17px;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.rcol h4 i{width:10px;height:10px;border-radius:3px}
.rcol dl{display:grid;grid-template-columns:1fr auto;gap:8px 12px;font-size:15px}
.rcol dd{text-align:right;color:#fff;font-weight:600}
.rcol .tot{border-top:1px solid rgba(255,255,255,.2);padding-top:8px;font-weight:700;color:#fff}
.rcol .tot+dd{border-top:1px solid rgba(255,255,255,.2);padding-top:8px;color:var(--ochre);font-family:Sora,sans-serif;font-size:20px}
#simchart{width:100%;height:auto;margin-top:22px;background:rgba(255,255,255,.03);border-radius:8px}
.verd{margin-top:18px;font-size:16px;color:#fff;background:rgba(242,165,65,.14);border-left:4px solid var(--ochre);padding:14px 18px;border-radius:6px}
.fine{font-size:13px;color:var(--muted);margin-top:14px}
.res .fine{color:#8e9ab3}

/* faq */
.faq{display:grid;grid-template-columns:1fr 1fr;gap:12px 24px}
@media(max-width:860px){.faq{grid-template-columns:1fr}}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:0 20px;align-self:start}
.faq summary{cursor:pointer;list-style:none;padding:18px 26px 18px 0;font-weight:700;color:var(--navy);position:relative}
.faq summary::after{content:"";position:absolute;right:2px;top:26px;width:9px;height:9px;border-right:2px solid var(--ochre2);border-bottom:2px solid var(--ochre2);transform:rotate(45deg);transition:.2s}
.faq details[open] summary::after{transform:rotate(-135deg);top:30px}
.faq p{padding-bottom:18px;color:var(--ink2);font-size:16px}

/* posts */
.plist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:900px){.plist{grid-template-columns:1fr}}
.pst{background:var(--white);border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);overflow:hidden;display:flex;flex-direction:column}
.pst:hover h3{color:var(--ochre2)}
.pst img{aspect-ratio:16/10;object-fit:cover}
.pst .in{padding:20px 22px 24px;flex:1;display:flex;flex-direction:column}
.pst .meta{font-size:13px;color:var(--muted);margin-bottom:6px}
.pst h3{font-size:19px;margin-bottom:8px;transition:.15s}
.pst p{font-size:15px;color:var(--ink2)}
.feat{display:grid;grid-template-columns:1.2fr 1fr;gap:0;background:var(--white);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);margin-bottom:24px}
.feat img{height:100%;object-fit:cover}
.feat .in{padding:36px}
.feat h3{font-size:28px;margin:8px 0 12px}
.feat p{color:var(--ink2)}
@media(max-width:860px){.feat{grid-template-columns:1fr}}

/* banner */
.band{display:grid;grid-template-columns:auto 1fr auto;gap:30px;align-items:center;background:var(--ochre);border-radius:var(--r);padding:36px 40px}
.band img{width:110px}
.band h2{font-size:30px;margin-bottom:4px}
.band p{color:var(--navy2)}
@media(max-width:800px){.band{grid-template-columns:1fr}.band img{display:none}}

/* inner */
.pg{background:var(--navy);padding:60px 0 56px;color:#b7c3d9}
.pg h1{color:#fff;font-size:clamp(34px,4.6vw,52px);margin-bottom:12px;max-width:900px}
.pg p{font-size:19px;max-width:720px}
.bc{font-size:14px;margin-bottom:16px;color:#8e9ab3}
.bc a{color:#b7c3d9}
.lay{display:grid;grid-template-columns:240px 1fr;gap:56px;padding:56px 0 100px}
@media(max-width:960px){.lay{grid-template-columns:1fr}.toc{display:none}}
.toc{position:sticky;top:100px;align-self:start;font-size:14px}
.toc b{display:block;font-family:Sora,sans-serif;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc a{display:block;padding:7px 0 7px 14px;border-left:2px solid var(--line);color:var(--ink2);text-decoration:none}
.toc a:hover{border-color:var(--ochre);color:var(--navy)}
.art{max-width:760px}
.art h2{font-size:28px;margin:44px 0 14px;scroll-margin-top:100px}
.art h2:first-child{margin-top:0}
.art h3{font-size:21px;margin:28px 0 10px}
.art p,.art li{color:var(--ink2);margin-bottom:13px}
.art ul,.art ol{padding-left:22px;margin-bottom:16px}
.art strong{color:var(--ink)}
.art img{border-radius:var(--r);margin:24px 0}
.art table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px;background:var(--white)}
.art th,.art td{border:1px solid var(--line);padding:11px 13px;text-align:left;vertical-align:top}
.art th{background:var(--sky2);color:var(--navy)}
.tip{background:var(--sky2);border-radius:var(--r);padding:18px 22px;margin:22px 0}
.tip p{margin:0;color:var(--navy)}
.warn{background:#fdebd3;border-radius:var(--r);padding:18px 22px;margin:22px 0}
.warn p{margin:0;color:#6b4310}
.upd{font-size:14px;color:var(--muted);margin-bottom:24px}
.ph{background:#fdebd3;color:#8a5410;padding:0 5px;border-radius:4px;font-weight:600}
.next{display:flex;justify-content:space-between;gap:14px;margin-top:46px;flex-wrap:wrap}

/* contact */
.cg{display:grid;grid-template-columns:1.4fr 1fr;gap:24px;padding:56px 0 100px}
@media(max-width:860px){.cg{grid-template-columns:1fr}}
.form label{display:block;font-size:15px;font-weight:600;color:var(--ink2);margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;border:1px solid var(--line);border-radius:8px;padding:12px 14px;font:inherit;background:var(--bg);margin-bottom:16px;color:var(--ink)}
.form textarea{min-height:150px}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--navy);border-color:transparent}
.form .ck{display:flex;gap:10px;font-size:14px;color:var(--muted);margin-bottom:18px}
.form .ck input{width:auto;margin-top:5px}
.ok{display:none;margin-top:12px;font-weight:700;color:var(--navy2)}

/* footer */
footer{background:#0d1629;color:#97a3bb;padding:70px 0 30px;font-size:15px}
.fgr{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px}
@media(max-width:860px){.fgr{grid-template-columns:1fr 1fr}}
footer .logo{color:#fff;margin-bottom:14px}
footer h4{color:#fff;font-size:15px;margin-bottom:14px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:#97a3bb;text-decoration:none}
footer a:hover{color:var(--ochre)}
.fdisc{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);font-size:13px;color:#6f7b93}