:root{--teal-900:#0F4C46;--teal-800:#12564e;--teal-700:#166b62;--teal-500:#1f8a7d;--teal-100:#d7ebe6;--teal-50:#eef6f4;--amber:#E9A23B;--amber-dk:#d1892a;--ink:#153029;--slate:#4a5f59;--line:#dbe7e3;--cream:#F7F3EA;--cream-2:#fbf8f1;--white:#fff;--wa:#25D366;--err:#c0553b;--ok:#1f8a7d;--shadow:0 4px 20px rgba(15,76,70,.08);--shadow-lg:0 12px 40px rgba(15,76,70,.14);--radius:16px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;line-height:1.2;color:var(--teal-900)}
a{color:inherit;text-decoration:none}
.wrap{max-width:1000px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;gap:8px;font-family:'Poppins',sans-serif;font-weight:600;font-size:15px;padding:13px 24px;border-radius:12px;border:0;cursor:pointer;transition:.18s;white-space:nowrap}
.btn-primary{background:var(--amber);color:#3a2708}.btn-primary:hover{background:var(--amber-dk);transform:translateY(-1px)}
.btn-teal{background:var(--teal-900);color:#fff}.btn-teal:hover{background:var(--teal-800)}
.btn-out{background:transparent;color:var(--teal-900);border:1.5px solid var(--teal-500)}.btn-out:hover{background:var(--teal-50)}
.btn-wa{background:var(--wa);color:#fff}.btn-wa:hover{filter:brightness(.95)}
.btn-lg{font-size:16.5px;padding:16px 32px}
.btn:disabled{opacity:.55;cursor:not-allowed}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.sbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.sbar-in{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{font-family:'Poppins';font-weight:800;font-size:22px;color:var(--teal-900)}
.logo em{color:var(--amber-dk);font-style:normal}
.sbar-nav{display:flex;gap:22px;align-items:center}
.sbar-nav a{font-size:13.5px;font-weight:600;color:var(--slate)}
.sbar-nav a:hover{color:var(--teal-700)}
.sbar-nav .btn{padding:9px 18px;font-size:13.5px}
@media(max-width:820px){.sbar-nav a:not(.btn){display:none}}
/* hero */
.hero{background:linear-gradient(160deg,var(--cream) 55%,var(--teal-50));border-bottom:1px solid var(--line);padding:52px 0 44px;position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.3fr .9fr;gap:40px;align-items:center}
.hero .eyebrow{display:inline-block;font-size:12.5px;font-weight:700;color:var(--teal-700);background:#fff;border:1px solid var(--teal-100);border-radius:999px;padding:6px 14px;margin-bottom:16px}
.hero h1{font-size:40px;font-weight:800;letter-spacing:-.7px}
.hero .sub{margin:16px 0 0;color:var(--slate);font-size:17px}
.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px;align-items:center}
.hero .cta-note{font-size:12.5px;color:var(--slate)}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:var(--shadow-lg)}
.hero-card h4{font-size:15px;margin-bottom:14px}
.hero-card .qk{display:flex;align-items:center;gap:10px;font-size:13.5px;color:var(--ink);padding:9px 0;border-bottom:1px solid var(--line)}
.hero-card .qk:last-child{border:0}
.hero-card .qk .t{font-size:18px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:34px}
.stat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;text-align:center}
.stat b{display:block;font-family:'Poppins';font-size:26px;color:var(--teal-900);line-height:1.1}
.stat span{font-size:11.5px;color:var(--slate)}
.trust{margin-top:20px;font-size:12.5px;color:var(--teal-700);display:flex;gap:8px 20px;flex-wrap:wrap}
/* sections */
.sec{padding:52px 0;border-bottom:1px solid var(--line)}
.sec.alt{background:var(--cream-2)}
.sec .kick{font-size:12.5px;font-weight:700;color:var(--amber-dk);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
.sec h2{font-size:28px;font-weight:800;letter-spacing:-.4px;margin-bottom:8px}
.sec .lead{color:var(--slate);font-size:15.5px;max-width:720px;margin-bottom:26px}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.cards2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;transition:.16s}
.card:hover{border-color:var(--teal-500);box-shadow:var(--shadow);transform:translateY(-2px)}
.card .ic{font-size:26px}
.card h3{font-size:15.5px;margin:10px 0 5px}
.card p{font-size:13px;color:var(--slate)}
/* expert-type tabs */
.tabbar{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:20px}
.tab{font-size:13.5px;font-weight:600;padding:10px 18px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--teal-800);cursor:pointer;transition:.14s}
.tab:hover{border-color:var(--teal-500)}
.tab.on{background:var(--teal-900);color:#fff;border-color:var(--teal-900)}
.tabpane{display:none}.tabpane.on{display:block;animation:fade .25s ease}
.chips{display:flex;flex-wrap:wrap;gap:9px}
.chip{font-size:13px;font-weight:500;color:var(--teal-800);background:var(--teal-50);border:1px solid var(--teal-100);border-radius:10px;padding:9px 14px}
/* flow */
.flow{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:8px}
.flow .node{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 12px;text-align:center}
.flow .node .n{width:28px;height:28px;border-radius:50%;background:var(--teal-900);color:#fff;font-family:'Poppins';font-weight:700;font-size:13px;display:flex;align-items:center;justify-content:center;margin:0 auto 8px}
.flow .node b{display:block;font-family:'Poppins';font-size:13px;color:var(--teal-900);margin-bottom:3px}
.flow .node span{font-size:11.5px;color:var(--slate)}
/* expect / steps */
.steps4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stepc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;position:relative}
.stepc .num{font-family:'Poppins';font-weight:800;font-size:30px;color:var(--teal-100);line-height:1}
.stepc b{display:block;font-family:'Poppins';font-size:14.5px;color:var(--teal-900);margin:6px 0 4px}
.stepc p{font-size:12.5px;color:var(--slate)}
/* testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.quote{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.quote p{font-size:13.5px;color:var(--ink);font-style:italic}
.quote .by{margin-top:14px;font-size:12.5px;font-weight:600;color:var(--teal-800)}
.quote .role{font-size:11.5px;color:var(--slate);font-weight:400}
/* eligibility checklist */
.check-list{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}
.check-list .it{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink)}
.check-list .it .tk{color:var(--ok);font-weight:700;flex-shrink:0}
/* FAQ accordion */
.faq{max-width:820px}
.qa{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.qa summary{font-family:'Poppins';font-weight:600;font-size:14.5px;color:var(--teal-900);padding:16px 18px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:'+';font-size:20px;color:var(--teal-500);flex-shrink:0}
.qa[open] summary::after{content:'–'}
.qa .a{padding:0 18px 16px;font-size:13.5px;color:var(--slate)}
/* contact strip */
.contact{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.contact a{display:flex;flex-direction:column;align-items:center;gap:6px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;text-align:center;transition:.15s}
.contact a:hover{border-color:var(--teal-500);box-shadow:var(--shadow);transform:translateY(-2px)}
.contact a .ic{font-size:28px}
.contact a b{font-family:'Poppins';font-size:14.5px;color:var(--teal-900)}
.contact a span{font-size:12.5px;color:var(--slate)}
/* mid cta band */
.ctaband{background:var(--teal-900);border-radius:20px;padding:36px;text-align:center;color:#fff;margin:8px 0}
.ctaband h2{color:#fff;font-size:26px;margin-bottom:8px}
.ctaband p{color:#cfe6e0;margin-bottom:20px;font-size:15px}
/* floating whatsapp */
.fab{position:fixed;right:20px;bottom:20px;z-index:60;background:var(--wa);color:#fff;width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:28px;box-shadow:var(--shadow-lg);transition:.15s}
.fab:hover{transform:scale(1.08)}
/* form (reused) */
.formwrap{padding:44px 0 60px}
.formgate{display:none}.formgate.open{display:block;animation:fade .3s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.compwrap{position:sticky;top:62px;z-index:30;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin-bottom:18px;box-shadow:var(--shadow)}
.compwrap .top{display:flex;justify-content:space-between;align-items:center;font-size:12.5px;font-weight:600;color:var(--teal-800);margin-bottom:7px}
.compwrap .top .pct{font-family:'Poppins';font-size:15px;color:var(--teal-900)}
.compbar{height:8px;background:var(--teal-50);border-radius:999px;overflow:hidden}
.compbar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--teal-500),var(--amber));border-radius:999px;transition:width .4s ease}
.pbar{display:flex;gap:6px;margin-bottom:22px;overflow-x:auto;padding-bottom:4px}
.pstep{flex:1;min-width:74px;text-align:center}
.pstep .dot{height:6px;border-radius:999px;background:var(--line);transition:.25s}
.pstep.active .dot,.pstep.done .dot{background:var(--teal-500)}
.pstep .lbl{font-size:11px;color:var(--slate);margin-top:5px;font-weight:600}
.pstep.active .lbl{color:var(--teal-800)}
.fs{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin-bottom:20px}
.fs h3{font-family:'Poppins';font-weight:700;font-size:17px;color:var(--teal-900);margin-bottom:4px;display:flex;align-items:center;gap:9px}
.fs .fdesc{font-size:13px;color:var(--slate);margin-bottom:18px}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.full{grid-column:1/-1}
.field label{display:block;font-size:12.5px;font-weight:600;color:var(--ink);margin-bottom:5px}
.field label .req{color:var(--err)}
.field input,.field select,.field textarea{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:14px;background:#fff;color:var(--ink)}
.field textarea{resize:vertical;min-height:88px}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--teal-500);border-color:transparent}
.field .hint{font-size:11px;color:var(--slate);margin-top:4px}
.field .err{font-size:11px;color:var(--err);margin-top:4px;display:none}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:var(--err);background:#fdf4f1}
.field.invalid .err{display:block}
.field.valid input,.field.valid select{border-color:var(--ok)}
.field .cc{display:flex;gap:8px}.field .cc select{max-width:112px}
.other-wrap{margin-top:8px;display:none}.other-wrap.show{display:block}
.upload{border:1.5px dashed var(--teal-100);border-radius:12px;padding:14px;background:var(--cream-2);cursor:pointer;transition:.15s;display:flex;align-items:center;gap:12px}
.upload:hover{border-color:var(--teal-500)}
.upload input[type=file]{display:none}
.upload .ico{font-size:22px}.upload .u-txt{font-size:13px;color:var(--slate)}
.upload .u-txt b{color:var(--teal-800);display:block;font-size:13.5px}
.upload.has{border-color:var(--ok);border-style:solid;background:#f0f8f5}
.upload.has .u-txt b{color:var(--teal-700)}
.repeat{border:1px dashed var(--line);border-radius:12px;padding:16px;margin-bottom:12px;position:relative}
.repeat .rm{position:absolute;top:10px;right:12px;background:none;border:0;color:var(--err);font-size:18px;cursor:pointer;font-weight:700}
.addrow{background:var(--teal-50);border:1px solid var(--teal-100);color:var(--teal-800);font-weight:600;font-size:13px;padding:9px 16px;border-radius:10px;cursor:pointer}
.addrow:hover{background:var(--teal-100)}
.rows-err{display:none;font-size:12px;color:var(--err);margin:-4px 0 10px}
.checkset{display:flex;flex-wrap:wrap;gap:8px 10px}
.chk{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:500;color:var(--teal-800);background:#fff;border:1px solid var(--line);border-radius:10px;padding:9px 13px;cursor:pointer;transition:.12s}
.chk:hover{border-color:var(--teal-500)}
.chk input{width:15px;height:15px;accent-color:var(--teal-700);cursor:pointer}
.chk:has(input:checked){background:var(--teal-50);border-color:var(--teal-500)}
.field.invalid .checkset~.err{display:block}
.field.invalid .checkset .chk{border-color:var(--err)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--slate);margin-bottom:10px}
.consent input{margin-top:3px;width:16px;height:16px;flex-shrink:0}
.consent.invalid{color:var(--err)}
.privacy-box{background:var(--teal-50);border:1px solid var(--teal-100);border-radius:12px;padding:16px;font-size:12.5px;color:var(--slate);margin-bottom:16px}
.privacy-box b{color:var(--teal-800)}
.fnav{display:flex;justify-content:space-between;gap:12px;margin-top:8px}
.fnav .btn{flex:0 0 auto}
.note{background:#fff7e8;border:1px dashed var(--amber);color:var(--amber-dk);border-radius:12px;padding:12px 16px;font-size:12.5px;margin-bottom:20px}
.success{text-align:center;padding:34px 20px;background:var(--teal-50);border:1px solid var(--teal-100);border-radius:var(--radius)}
.success .ic{font-size:52px}.success h3{font-size:23px;margin:8px 0}
.success p{color:var(--slate);max-width:500px;margin:0 auto 8px}
.success .refid{font-family:ui-monospace,monospace;font-size:14px;font-weight:700;color:var(--teal-800);background:#fff;border:1px dashed var(--teal-500);border-radius:8px;padding:6px 14px;display:inline-block;margin:8px 0 16px}
.success .steps{text-align:left;max-width:440px;margin:16px auto 0;font-size:13.5px;color:var(--slate)}
.success .steps li{margin-bottom:6px}
.success .btns{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:18px}
.spinner{display:inline-block;width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite;vertical-align:-2px}
@keyframes spin{to{transform:rotate(360deg)}}
/* rich informative components */
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:13.5px}
.tbl th,.tbl td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line)}
.tbl th{background:var(--teal-50);font-family:'Poppins';font-weight:600;color:var(--teal-900);font-size:12.5px}
.tbl tr:last-child td{border-bottom:0}
.tbl td b{color:var(--teal-800)}
.tbl .yes{color:var(--ok);font-weight:700}.tbl .no{color:var(--slate)}
.tools{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.tool{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px}
.tool .ic{font-size:22px;flex-shrink:0}
.tool b{display:block;font-family:'Poppins';font-size:13.5px;color:var(--teal-900);margin-bottom:2px}
.tool span{font-size:12px;color:var(--slate)}
.timeline{position:relative;padding-left:26px}
.timeline::before{content:'';position:absolute;left:8px;top:6px;bottom:6px;width:2px;background:var(--teal-100)}
.tl{position:relative;margin-bottom:16px}
.tl::before{content:'';position:absolute;left:-22px;top:5px;width:12px;height:12px;border-radius:50%;background:var(--teal-500);border:2px solid #fff;box-shadow:0 0 0 2px var(--teal-100)}
.tl b{font-family:'Poppins';font-size:13.5px;color:var(--teal-900)}
.tl .tm{font-size:11.5px;font-weight:600;color:var(--amber-dk);text-transform:uppercase;letter-spacing:.4px}
.tl p{font-size:13px;color:var(--slate);margin-top:2px}
.vlist{counter-reset:v;display:grid;gap:14px}
.vitem{display:flex;gap:14px;align-items:flex-start}
.vitem .vn{counter-increment:v;flex-shrink:0;width:30px;height:30px;border-radius:8px;background:var(--teal-900);color:#fff;font-family:'Poppins';font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center}
.vitem .vn::before{content:counter(v)}
.vitem b{font-family:'Poppins';font-size:14.5px;color:var(--teal-900)}
.vitem p{font-size:13px;color:var(--slate);margin-top:1px}
.hl-band{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:8px}
.hl{background:var(--teal-900);color:#fff;border-radius:14px;padding:22px;text-align:center}
.hl b{display:block;font-family:'Poppins';font-size:28px;line-height:1.05}
.hl span{font-size:12.5px;color:#cfe6e0}
.spotlight{background:#fff;border:1px solid var(--line);border-left:4px solid var(--amber);border-radius:14px;padding:22px}
.spotlight h3{font-size:16px;margin-bottom:6px}
.spotlight p{font-size:13.5px;color:var(--slate)}
.spotlight .path{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}
.spotlight .path .p{font-size:12px;font-weight:600;background:var(--teal-50);border:1px solid var(--teal-100);color:var(--teal-800);border-radius:8px;padding:6px 12px}
.mini{font-size:12px;color:var(--slate);margin-top:10px}
@media(max-width:820px){.split{grid-template-columns:1fr}.tools{grid-template-columns:1fr}.hl-band{grid-template-columns:1fr}.tbl{font-size:12.5px}.tbl th,.tbl td{padding:10px}}
/* footer */
.foot{background:#0b3a35;color:#a9d0c8;padding:34px 0;font-size:12.5px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px;margin-bottom:20px}
.foot h5{color:#fff;font-family:'Poppins';font-size:14px;margin-bottom:10px}
.foot a{color:#cfe6e0;display:block;margin-bottom:6px}
.foot .base{border-top:1px solid #17564c;padding-top:16px;text-align:center}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr}.hero-card{order:-1}.stats{grid-template-columns:1fr 1fr}.flow,.steps4{grid-template-columns:1fr 1fr}.cards3,.quotes,.contact{grid-template-columns:1fr}.cards2{grid-template-columns:1fr}.check-list{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.hero h1{font-size:30px}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}