@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:400;src:url(assets/fonts/heebo-hebrew-400-normal.woff2) format('woff2');unicode-range:U+0307-0308, U+0590-05FF, U+200C-2010, U+20AA, U+25CC, U+FB1D-FB4F}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:400;src:url(assets/fonts/heebo-latin-400-normal.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:500;src:url(assets/fonts/heebo-hebrew-500-normal.woff2) format('woff2');unicode-range:U+0307-0308, U+0590-05FF, U+200C-2010, U+20AA, U+25CC, U+FB1D-FB4F}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:500;src:url(assets/fonts/heebo-latin-500-normal.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:700;src:url(assets/fonts/heebo-hebrew-700-normal.woff2) format('woff2');unicode-range:U+0307-0308, U+0590-05FF, U+200C-2010, U+20AA, U+25CC, U+FB1D-FB4F}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:700;src:url(assets/fonts/heebo-latin-700-normal.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:800;src:url(assets/fonts/heebo-hebrew-800-normal.woff2) format('woff2');unicode-range:U+0307-0308, U+0590-05FF, U+200C-2010, U+20AA, U+25CC, U+FB1D-FB4F}
@font-face{font-family:Heebo;font-style:normal;font-display:swap;font-weight:800;src:url(assets/fonts/heebo-latin-800-normal.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Rubik;font-style:normal;font-display:swap;font-weight:500;src:url(assets/fonts/rubik-hebrew-500-normal.woff2) format('woff2');unicode-range:U+0307-0308, U+0590-05FF, U+200C-2010, U+20AA, U+25CC, U+FB1D-FB4F}
@font-face{font-family:Rubik;font-style:normal;font-display:swap;font-weight:500;src:url(assets/fonts/rubik-latin-500-normal.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:Rubik;font-style:normal;font-display:swap;font-weight:700;src:url(assets/fonts/rubik-hebrew-700-normal.woff2) format('woff2');unicode-range:U+0307-0308, U+0590-05FF, U+200C-2010, U+20AA, U+25CC, U+FB1D-FB4F}
@font-face{font-family:Rubik;font-style:normal;font-display:swap;font-weight:700;src:url(assets/fonts/rubik-latin-700-normal.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
:root{
  --teal:#15b0aa; --teal-ink:#087873; --teal-soft:#e7f6f5; --teal-line:#bfe6e3;
  --navy:#22466e; --navy-2:#1a3656; --navy-3:#0f2238;
  --ink:#16283d; --body:#34465a; --muted:#56677a; --line:#e2e9ef; --line-2:#d3dde6;
  --bg:#ffffff; --bg-alt:#f2f8f8; --amber:#f2b544; --wa:#11803f; --err:#b42318; --ok:#15803d;
  --radius:16px; --radius-lg:24px;
  --shadow-sm:0 1px 2px rgba(15,34,56,.06),0 2px 8px rgba(15,34,56,.04);
  --shadow:0 2px 4px rgba(15,34,56,.04),0 12px 32px rgba(15,34,56,.08);
  --shadow-lg:0 4px 8px rgba(15,34,56,.06),0 24px 56px rgba(15,34,56,.14);
  --display:Rubik,Heebo,system-ui,sans-serif;
  --ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px;-webkit-text-size-adjust:100%}
html,body{overflow-x:clip}
body{margin:0;font-family:Heebo,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--display);line-height:1.18;margin:0 0 .55em;color:var(--navy);letter-spacing:-.01em;text-wrap:balance}
h1{font-size:clamp(2.6rem,6.2vw,4.5rem);font-weight:700;line-height:1.04;letter-spacing:-.025em}
h2{font-size:clamp(1.75rem,3.4vw,2.6rem);font-weight:700}
h3{font-size:1.2rem;font-weight:500}
p{margin:0 0 1em;text-wrap:pretty}
.container{width:min(1180px,100% - 32px);margin-inline:auto}
.narrow{width:min(840px,100% - 32px)}
.center{text-align:center}
.muted{color:var(--muted)}
.ltr{direction:ltr;unicode-bidi:isolate}
.sr{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.sprite{position:absolute;width:0;height:0;overflow:hidden}
.i{width:1.25em;height:1.25em;flex:none;fill:none;stroke:currentColor;stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round}

.skip{position:absolute;inset-inline-start:16px;top:-60px;z-index:100;background:var(--navy);color:#fff;padding:.6rem 1rem;border-radius:10px;text-decoration:none;font-weight:700}
.skip:focus{top:12px}
.skip{transition:none!important}

.eyebrow{display:inline-flex;align-items:center;gap:.6rem;margin:0 0 .75rem;font-family:var(--display);font-weight:500;font-size:1rem;color:var(--teal-ink)}
.eyebrow::before{content:"";flex:none;width:28px;height:2px;border-radius:2px;background:var(--teal)}
.eyebrow.light{color:#fff}
.eyebrow.light::before{background:#fff}
.pill{display:inline-flex;align-items:center;gap:.55rem;margin:0 0 1.4rem;padding:.4rem .95rem;border:1px solid var(--teal-line);border-radius:999px;background:#fff;color:var(--teal-ink);font-size:.9rem;font-weight:500;line-height:1.4}
.pill-dot{flex:none;width:8px;height:8px;border-radius:50%;background:var(--teal)}
.accent{display:block;color:var(--teal-ink)}
.arrow::after{content:"←";content:"←" / "";display:inline-block;transition:transform .2s var(--ease)}
.arrow:hover::after{transform:translateX(-4px)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;min-height:48px;border:1.5px solid transparent;border-radius:12px;font:inherit;font-weight:700;line-height:1.2;text-decoration:none;cursor:pointer;padding:.75rem 1.35rem;transition:transform .2s var(--ease),box-shadow .2s var(--ease),background-color .2s,border-color .2s,color .2s}
.btn:active{transform:translateY(1px)}
.btn[disabled]{opacity:.7;cursor:progress;transform:none}
.btn-sm{min-height:44px;padding:.5rem 1rem;font-size:.95rem}
.btn-lg{min-height:56px;padding:.95rem 1.7rem;font-size:1.05rem}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(34,70,110,.24)}
.btn-primary:hover{background:var(--navy-2);box-shadow:0 10px 26px rgba(34,70,110,.3);transform:translateY(-1px)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--line-2)}
.btn-outline:hover{border-color:var(--navy)}
.btn-outline .i-wa{color:var(--wa)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{box-shadow:0 10px 26px rgba(0,0,0,.18)}
.link{display:inline-flex;align-items:center;gap:.4rem;color:var(--teal-ink);font-weight:700;text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1.5px}
.link:hover{color:var(--navy)}

.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);-webkit-backdrop-filter:saturate(1.6) blur(12px);backdrop-filter:saturate(1.6) blur(12px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:74px}
.brand{display:flex;align-items:center;gap:.75rem;text-decoration:none;min-height:44px}
.brand img{width:56px;height:auto}
.brand-text{display:flex;flex-direction:column;line-height:1.2}
.brand-text strong{font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.15rem}
.brand-text small{color:var(--muted);font-size:.78rem}
.nav{display:flex;gap:.25rem}
.header-actions{display:flex;align-items:center;gap:.4rem}
.nav a{text-decoration:none;color:var(--body);font-weight:500;font-size:.96rem;padding:.55rem .75rem;border-radius:10px;transition:color .2s,background-color .2s}
.nav a:hover{color:var(--navy);background:var(--bg-alt)}

.hero{position:relative;padding:clamp(40px,6vw,84px) 0 clamp(40px,5vw,64px);background:var(--bg-alt)}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(28px,6vw,80px);align-items:center}
.hero h1{max-width:11ch}
.lead{font-size:clamp(1.08rem,1.6vw,1.25rem);color:var(--body);max-width:40ch;line-height:1.75}
.hero-ctas{display:flex;flex-wrap:wrap;gap:.75rem;margin:2rem 0 0}
.stages{margin-top:1.75rem}
.stages-q{margin:0 0 .6rem;font-size:.95rem;font-weight:500;color:var(--muted)}
.stages ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}
.stages a{display:inline-flex;align-items:center;min-height:44px;padding:.45rem 1rem;border:1.5px solid var(--teal-line);border-radius:999px;background:#fff;color:var(--teal-ink);font-weight:500;font-size:.95rem;text-decoration:none;transition:background-color .2s,border-color .2s}
.stages a:hover{background:var(--teal-soft);border-color:var(--teal)}
.hero-visual{position:relative;justify-self:center;width:100%;max-width:420px}
.photo-frame,.hero-visual::before{border-radius:50% 50% 24px 24px / 40% 40% 24px 24px}
.photo-frame{position:relative;z-index:1;overflow:hidden;background:#dfe9ef;aspect-ratio:4/5;box-shadow:var(--shadow-lg)}
.hero-visual::before{content:"";position:absolute;inset:-12px;border:2px solid var(--teal)}
.photo-frame img{width:100%;height:100%;object-fit:cover}
.badge-float{position:absolute;z-index:2;bottom:24px;inset-inline-end:-18px;background:#fff;border-radius:14px;padding:.75rem 1rem;display:flex;gap:.75rem;align-items:center;box-shadow:var(--shadow);border:1px solid var(--line)}
.badge-float img{width:44px;height:auto}
.badge-float strong{display:block;font-family:var(--display);font-weight:500;color:var(--navy);font-size:.98rem;line-height:1.3}
.badge-float small{color:var(--muted);font-size:.82rem}

.creds{list-style:none;margin:clamp(40px,5vw,64px) 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow)}
.creds li{display:flex;gap:.9rem;align-items:flex-start;padding:1.35rem 1.4rem}
.creds li+li{border-inline-start:1px solid var(--line)}
.creds .i{width:44px;height:44px;padding:10px;border-radius:12px;background:var(--teal-soft);color:var(--teal-ink)}
.creds strong{display:block;font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.08rem;line-height:1.3}
.creds span{display:block;font-size:.88rem;color:var(--muted);line-height:1.45;margin-top:.15rem}

.section{padding:clamp(64px,9vw,112px) 0}
.section.alt{background:var(--bg-alt)}
.section-head{max-width:900px;margin:0 0 clamp(2rem,4vw,3rem)}
.section-head h2{margin-bottom:0}

.why{list-style:none;padding:0;margin:0;border-top:1px solid var(--line-2)}
.why li{display:grid;grid-template-columns:minmax(0,.9fr) clamp(48px,7vw,96px) minmax(0,1.4fr);column-gap:clamp(1rem,2.5vw,2rem);align-items:start;padding:2rem 0;border-bottom:1px solid var(--line-2)}
.why li::before,.why li::after{content:"";grid-row:1;grid-column:2;margin-top:23px}
.why li::before{height:2px;background:var(--teal-line)}
.why li::after{justify-self:end;width:10px;height:10px;margin-top:19px;border-radius:50%;background:var(--teal)}
.why-problem{grid-row:1;grid-column:1;padding-top:.55rem}
.why-problem p{margin:0;font-size:1.1rem;color:var(--muted);line-height:1.6}
.why-solution{grid-row:1;grid-column:3;display:grid;grid-template-columns:48px 1fr;column-gap:1.1rem}
.why-solution h3{margin:0 0 .35rem;font-size:1.3rem;padding-top:.55rem}
.why-solution p{grid-column:2;margin:0;color:var(--body)}
.why-ico{grid-row:span 3;display:grid;place-items:center;width:48px;height:48px;border-radius:12px;background:var(--teal-soft);color:var(--teal-ink)}
.why-ico .i{width:24px;height:24px}
.why .tag{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.tag{display:inline-flex;align-items:center;gap:.35rem;font-size:.8rem;font-weight:700;color:var(--muted)}
.tag .i{width:16px;height:16px}
.tag-sol{color:var(--teal-ink)}

.cards{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid var(--line-2)}
.card{padding:2rem clamp(1.2rem,2.5vw,2.2rem)}
.card+.card{border-inline-start:1px solid var(--line-2)}
.card h3{font-size:1.4rem;margin:1.1rem 0 .45rem}
.card p{color:var(--body);margin:0}
.card-cta{display:inline-flex;align-items:center;gap:.45rem;min-height:44px;margin-top:.9rem;color:var(--teal-ink);font-weight:700;text-decoration:none}
.card-cta:hover{color:var(--navy);text-decoration:underline;text-underline-offset:4px}
.ico{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:var(--teal-ink);color:#fff;box-shadow:0 6px 16px rgba(8,120,115,.22)}
.ico .i{width:28px;height:28px}
.more{margin-top:clamp(2rem,4vw,3rem)}
.more-title{font-size:1.15rem;font-weight:700;color:var(--navy);margin:0 0 .5rem}
.more-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:.25rem 2rem}
.more-list li{display:flex;gap:.85rem;align-items:flex-start;padding:.85rem 0;border-top:1px solid var(--line)}
.more-list .i{width:22px;height:22px;margin-top:.2rem;color:var(--teal-ink)}
.more-list strong{display:block;color:var(--navy);font-weight:700}
.more-list span{display:block;color:var(--muted);font-size:.93rem;line-height:1.55}

.refi{background:var(--teal-ink);color:#fff;padding:clamp(48px,6vw,72px) 0}
.refi-inner{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:clamp(1.2rem,3vw,2.4rem)}
.refi-ico{display:grid;place-items:center;width:72px;height:72px;border-radius:20px;background:rgba(255,255,255,.12)}
.refi-ico .i{width:34px;height:34px;color:#fff}
.refi h2{color:#fff;margin-bottom:.35em;font-size:clamp(1.5rem,2.8vw,2.15rem)}
.refi p{color:#f2fbfa;max-width:62ch}
.refi-copy p:last-child{margin:0}

.about-grid{isolation:isolate;display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,6vw,72px);align-items:center}
.about-copy p{color:var(--body)}
.checks{list-style:none;padding:0;margin:1.6rem 0 0;display:grid;gap:.7rem}
.checks li{display:flex;gap:.75rem;align-items:flex-start;font-weight:500}
.checks .i{width:24px;height:24px;padding:4px;margin-top:.15rem;border-radius:50%;background:var(--teal-ink);color:#fff;stroke-width:2.5}
.cert{position:relative;margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:14px;box-shadow:var(--shadow)}
.cert::before{content:"";position:absolute;inset:-10px;z-index:-1;border-radius:calc(var(--radius-lg) + 10px);border:2px solid var(--teal)}
.cert img{width:100%;height:auto;border-radius:12px}
.cert figcaption{text-align:center;color:var(--muted);font-size:.9rem;padding-top:.7rem}

.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;position:relative}
.steps::before{content:"";position:absolute;top:27px;inset-inline:12.5%;height:2px;background:repeating-linear-gradient(90deg,var(--line-2) 0 8px,transparent 8px 14px)}
.steps li{position:relative;text-align:center;padding:0 .5rem}
.steps h3{margin-bottom:.4rem}
.steps p{color:var(--body);font-size:.97rem;margin:0}
.road{position:relative}
.road-svg{position:absolute;inset:0;width:100%;height:100%;overflow:visible;pointer-events:none;z-index:0}
.road .steps{position:relative;z-index:1}
.road.is-ready .steps::before{display:none}
.road-svg path{fill:none}
.road-track{stroke:var(--teal-line);stroke-width:2.5;stroke-linecap:round;stroke-dasharray:1 9}
.road-progress{stroke:var(--teal);stroke-width:3.5;stroke-linecap:round;stroke-dasharray:1 9}
.road-reveal{stroke:#fff;stroke-width:18;stroke-linecap:butt}
.steps .num{transition:background-color .3s,color .3s,border-color .3s,transform .3s var(--ease)}
.steps .num.is-lit{background:var(--teal-ink);border-color:var(--teal-ink);color:#fff;transform:scale(1.06)}
.num{position:relative;display:grid;place-items:center;width:56px;height:56px;margin:0 auto 1.2rem;border-radius:50%;background:#fff;border:2px solid var(--teal);color:var(--navy);font-family:var(--display);font-weight:700;font-size:1.25rem;box-shadow:0 0 0 8px var(--bg-alt)}

.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,6vw,72px);align-items:center}
.calc{display:grid;gap:1.6rem;margin-top:2rem}
.field-head{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;margin-bottom:.6rem}
.field-head label{font-weight:500;color:var(--body)}
.amount-box{display:inline-flex;align-items:center;gap:.35rem;border:1.5px solid var(--line-2);border-radius:10px;background:#fff;padding:0 .7rem;transition:border-color .2s,box-shadow .2s}
.amount-box:focus-within{border-color:var(--teal-ink);box-shadow:0 0 0 4px rgba(8,120,115,.14)}
.amount-box input{width:8.5ch;field-sizing:content;min-width:8.5ch;min-height:40px;border:0;background:transparent;font-family:var(--display);font-weight:700;font-size:1.1rem;color:var(--navy);text-align:end;direction:ltr;font-variant-numeric:tabular-nums}
.amount-box input:focus{outline:none}
@supports (field-sizing:content){.amount-box input{width:auto}}
.amount-box span{font-weight:700;color:var(--navy)}
.field-hint{margin:.35rem 0 0;font-size:.82rem;color:var(--muted);transition:color .2s}
.field-hint.is-warn{color:var(--err);font-weight:500}
.amount-box:has(input[aria-invalid]){border-color:var(--err)}
.refi .refi-note{font-size:.9rem;color:#fff;margin:.2rem 0 0}
.calc-result .big,.calc-result .split{transition:opacity .2s}
.calc-result.is-stale .big,.calc-result.is-stale .split{opacity:.45}
.field output{font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.1rem;font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:32px;margin:0;background:transparent;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:99px;background:var(--line-2)}
input[type=range]::-moz-range-track{height:6px;border-radius:99px;background:var(--line-2)}
input[type=range]::-moz-range-progress{height:6px;border-radius:99px;background:var(--teal-ink)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:24px;height:24px;margin-top:-9px;border-radius:50%;background:#fff;border:3px solid var(--teal-ink);box-shadow:0 2px 6px rgba(15,34,56,.2);transition:transform .15s}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--teal-ink);box-shadow:0 2px 6px rgba(15,34,56,.2)}
input[type=range]:hover::-webkit-slider-thumb{transform:scale(1.1)}
.calc-result{background:var(--navy);color:#fff;border-radius:var(--radius-lg);padding:clamp(1.6rem,3.5vw,2.4rem);box-shadow:var(--shadow-lg)}
.calc-label{margin:0;color:#c9d8e6;font-size:.95rem}
.calc-result .big{font-family:var(--display);font-size:clamp(2.4rem,5vw,3.4rem);font-weight:700;line-height:1.1;margin:.25rem 0 1.6rem;font-variant-numeric:tabular-nums}
.split{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:1.1rem 1.2rem 1rem;margin-bottom:1.5rem}
.split-title{margin:0 0 .7rem;font-size:.88rem;color:#c9d8e6}
.split-bar{width:100%;height:14px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.12)}
.seg-principal{fill:var(--teal)}
.seg-interest{fill:var(--amber)}
.split-legend{margin:1rem 0 0;display:grid;gap:.55rem}
.split-legend div{display:flex;justify-content:space-between;align-items:baseline;gap:1rem}
.split-legend dt{display:flex;align-items:center;gap:.5rem;color:#dbe7f0;font-size:.95rem}
.split-legend dd{margin:0;font-weight:700;font-variant-numeric:tabular-nums}
.split-legend small{font-weight:400;color:#c9d8e6}
.split-legend .split-total{border-top:1px solid rgba(255,255,255,.14);padding-top:.6rem;margin-top:.1rem}
.sw{width:12px;height:12px;border-radius:4px;flex:none}
.sw-principal{background:var(--teal)}
.sw-interest{background:var(--amber)}

.stats{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid var(--line-2);margin:0 0 2.4rem}
.stat{padding:1.4rem clamp(.6rem,2vw,1.6rem)}
.stat+.stat{border-inline-start:1px solid var(--line-2)}
.stat strong{display:block;font-family:var(--display);font-size:clamp(1.9rem,3.6vw,2.8rem);font-weight:700;color:var(--teal-ink);line-height:1.1}
.stat span{display:block;color:var(--muted);font-size:.92rem;line-height:1.45;margin-top:.3rem}
.carousel{max-width:860px}
#reviews .source{margin-top:2.4rem;padding-top:1.4rem;border-top:1px solid var(--line-2);max-width:860px}
#reviews .reviews-links{max-width:860px;margin-top:.6rem}
.reviews{display:grid}
.review{grid-area:1/1;display:flex;flex-direction:column;gap:1rem;opacity:0;visibility:hidden;transition:opacity .2s ease-in,transform .2s ease-in,visibility 0s .2s}
.review.is-active{opacity:1;visibility:visible;transform:none;transition:opacity .45s var(--ease) .18s,transform .45s var(--ease) .18s,visibility 0s}
.review blockquote{margin:0;font-family:var(--display);font-weight:500;color:var(--navy);font-size:clamp(1.25rem,2.3vw,1.65rem);line-height:1.6}
.review blockquote::before{content:"\201D";content:"\201D" / "";display:block;height:.55em;margin-bottom:.35rem;font-size:3.6em;line-height:1;font-weight:700;color:var(--teal)}
.review footer{display:flex;flex-wrap:wrap;align-items:baseline;gap:.25rem 1rem;font-size:.95rem}
.avatar{display:none}
.who{display:flex;flex-wrap:wrap;align-items:baseline;gap:0 .6rem;min-width:0}
.who strong{color:var(--navy)}
.who .ctx{color:var(--muted)}
.review .src{color:var(--muted);white-space:nowrap}
.carousel-nav{display:flex;align-items:center;gap:.5rem;margin-top:2.2rem}
.carousel-nav[hidden]{display:none}
.car-btn{display:grid;place-items:center;width:44px;height:44px;border:1.5px solid var(--line-2);border-radius:50%;background:#fff;color:var(--navy);cursor:pointer;transition:border-color .2s,background-color .2s}
.car-btn:hover{border-color:var(--navy);background:var(--teal-soft)}
.car-btn .i{width:20px;height:20px;stroke-width:2}
.car-dots{display:flex;align-items:center}
.car-dot{display:grid;place-items:center;width:24px;height:44px;padding:0;border:0;background:none;cursor:pointer}
.car-dot.is-active{width:44px}
.pip{display:block;width:8px;height:8px;border-radius:99px;background:var(--line-2);overflow:hidden;transition:background-color .2s}
.car-dot:hover .pip{background:#9fb3c4}
.car-dot.is-active .pip{width:32px;background:var(--teal-line)}
.fill{display:block;width:100%;height:100%;border-radius:inherit;background:var(--teal);transform:scaleX(0);transform-origin:right}
.car-dot.is-active .fill{transform:none}
.carousel.is-playing .car-dot.is-active .fill.run{animation:car-fill 6s linear forwards}
.carousel.is-held .car-dot.is-active .fill.run{animation-play-state:paused}
.car-pause{display:grid;place-items:center;width:28px;height:44px;margin-inline:.1rem .35rem;padding:0;border:0;border-radius:8px;background:none;color:#7a8c9d;cursor:pointer;transition:color .2s}
.car-pause:hover{color:var(--navy)}
.car-pause .i{width:14px;height:14px;stroke-width:2.6}
.stats[hidden]{display:none}
.stats.is-small{margin-bottom:2rem}
.stats.is-small .stat{padding:.9rem clamp(.6rem,2vw,1.4rem)}
.stats.is-small strong{font-size:1.35rem;color:var(--navy)}
.stats.is-small span{font-size:.85rem}
.stats-base{margin:-1.6rem 0 2.4rem;font-size:.85rem;color:var(--muted)}
.reviews-links{display:flex;flex-wrap:wrap;justify-content:flex-start;align-items:center;gap:.75rem 1.75rem;margin-top:1rem}
.reviews-links [hidden]{display:none}
.source{font-size:.88rem;color:var(--muted);margin-top:1.6rem}

.accordion{border-top:1px solid var(--line-2)}
.accordion details{border-bottom:1px solid var(--line-2)}
.accordion summary{cursor:pointer;list-style:none;min-height:60px;padding:1.05rem .25rem;font-weight:500;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:1rem;transition:color .2s}
.accordion summary:hover,.accordion details[open] summary{color:var(--teal-ink)}
.accordion summary::-webkit-details-marker{display:none}
.accordion summary::after{content:"";flex:none;width:9px;height:9px;margin-top:-4px;border-right:2px solid var(--teal-ink);border-bottom:2px solid var(--teal-ink);transform:rotate(45deg);transition:transform .25s var(--ease)}
.accordion details[open] summary::after{margin-top:4px;transform:rotate(-135deg)}
.accordion.is-collapsible:not(.is-open) details:nth-of-type(n+6){display:none}
.tips-more{display:flex;justify-content:center;margin-top:2rem}
.tips-more[hidden]{display:none}
.accordion p{color:var(--body);padding:0 .25rem 1.4rem;margin:0;max-width:68ch}

.contact{background:var(--navy-2)}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(28px,6vw,80px);align-items:start}
.contact-copy{position:sticky;top:110px;padding-top:.5rem}
.contact-copy h2{color:#fff}
.contact-copy p{color:#d4e2ee;font-size:1.08rem}
.assure{list-style:none;margin:1.4rem 0 0;padding:0;display:grid;gap:.7rem}
.assure li{display:flex;align-items:center;gap:.7rem;color:#fff;font-size:1.02rem}
.assure .i{flex:none;width:22px;height:22px;padding:4px;border-radius:50%;background:var(--teal);color:#fff;stroke-width:3}
.contact-copy .contact-alt{margin:2rem 0 0;font-size:.95rem;color:#c3d4e2}
.contact-list{list-style:none;padding:0;margin:.6rem 0 0;display:grid;gap:.1rem;color:#fff}
.contact-list li{display:flex;align-items:center;gap:.7rem;min-height:44px}
.contact-list a{display:inline-flex;align-items:center;gap:.7rem;min-height:44px;text-decoration:none;font-weight:500}
.contact-list a:hover{color:#a6ebe2}
.c-ico{display:grid;place-items:center;width:24px;height:24px;flex:none;color:#a6ebe2}
.c-ico .i{width:20px;height:20px}
.c-ico .i-wa{color:#6fe3a0}
.lead-form{background:#fff;border-radius:var(--radius-lg);padding:clamp(1.5rem,3.5vw,2.4rem);display:grid;gap:1.05rem;box-shadow:0 30px 70px rgba(0,0,0,.28)}
.lead-form label{display:grid;gap:.4rem;font-weight:500;font-size:.95rem;color:var(--ink)}
.lead-form input,.lead-form select,.lead-form textarea{font:inherit;min-height:50px;padding:.7rem .95rem;border:1.5px solid var(--line-2);border-radius:12px;background:#fbfcfd;color:var(--ink);width:100%;transition:border-color .2s,box-shadow .2s,background-color .2s}
.lead-form textarea{resize:vertical;min-height:76px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.call-time,.need-pick{margin:0;padding:0;border:0;min-width:0}
.need-pick legend{padding:0;margin-bottom:.5rem;font-weight:500;font-size:.95rem;color:var(--ink)}
.chips{display:flex;flex-wrap:wrap;gap:.4rem}
.lead-form .chips label{display:block;position:relative;font-weight:500}
.lead-form .chips input{position:absolute;inset:0;width:100%;height:100%;min-height:0;margin:0;opacity:0;cursor:pointer}
.chips span{display:inline-flex;align-items:center;min-height:38px;padding:.3rem .85rem;border:1px solid var(--line-2);border-radius:999px;background:#fff;font-size:.9rem;color:var(--body);transition:background-color .2s,border-color .2s,color .2s}
.chips label:hover span{border-color:#b9c7d3}
.chips input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.chips input:focus-visible+span{outline:3px solid var(--teal-ink);outline-offset:2px}
.call-time legend{padding:0;margin-bottom:.4rem;font-weight:500;font-size:.95rem;color:var(--ink)}
.seg{display:grid;grid-template-columns:repeat(4,1fr);border:1.5px solid var(--line-2);border-radius:12px;overflow:hidden;background:#fbfcfd}
.lead-form .seg label{display:block;position:relative;font-weight:500}
.seg label+label{border-inline-start:1.5px solid var(--line-2)}
.lead-form .seg input{position:absolute;inset:0;width:100%;height:100%;min-height:0;margin:0;opacity:0;cursor:pointer}
.seg span{display:grid;place-items:center;min-height:46px;padding:.4rem .25rem;font-size:.93rem;color:var(--body);transition:background-color .2s,color .2s}
.seg input:checked+span{background:var(--navy);color:#fff}
.seg input:focus-visible+span{outline:3px solid var(--teal-ink);outline-offset:-3px}
.lead-form input:hover,.lead-form select:hover,.lead-form textarea:hover{border-color:#b9c7d3}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;background:#fff;border-color:var(--teal-ink);box-shadow:0 0 0 4px rgba(8,120,115,.14)}
.lead-form input::placeholder{color:#6b7a8a}
.lead-form .invalid{border-color:var(--err);background:#fffafa}
.lead-form .f{display:grid;gap:.4rem}
.lead-form .f>label:not(.consent){font-weight:500;font-size:.95rem;color:var(--ink)}
.field-err{display:flex;align-items:center;gap:.4rem;margin:0;color:var(--err);font-size:.88rem;font-weight:500;line-height:1.45}
.field-err::before{content:"!" / "";display:grid;place-items:center;flex:none;width:18px;height:18px;border-radius:50%;background:var(--err);color:#fff;font-size:.75rem;font-weight:700}
.field-err[hidden]{display:none}
.lead-form .consent{display:flex;align-items:flex-start;gap:.65rem;font-weight:400;font-size:.9rem;color:var(--muted);line-height:1.55}
.lead-form .consent input{width:20px;height:20px;min-height:0;flex:none;margin-top:.15rem;accent-color:var(--teal-ink)}
.lead-form .consent a{color:var(--navy);font-weight:500;text-underline-offset:3px}
.lead-form .btn{width:100%}
.form-msg{margin:0;font-weight:500;min-height:1.4em}
.collect-note{margin:0;font-size:.82rem;line-height:1.65;color:var(--muted)}
.collect-note a{color:var(--navy);font-weight:500;text-underline-offset:3px}
.collect-note a[href^="tel:"],.legal a[href^="tel:"]{white-space:nowrap}
.form-done{display:none}
.lead-form.is-done>:not(.form-done){display:none}
.lead-form.is-done .form-done{display:grid;gap:.9rem;justify-items:start;outline:none}
.done-ico{display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--teal-soft);color:var(--teal-ink)}
.done-ico .i{width:28px;height:28px;stroke-width:2.5}
.form-done h3{margin:0;font-size:1.5rem;color:var(--navy)}
.form-done p{margin:0;color:var(--body)}
.done-prep{display:grid;gap:.5rem;width:100%;padding:1rem 1.1rem;border-radius:12px;background:var(--bg-alt)}
.done-prep[hidden]{display:none}
.done-prep p{font-weight:500;color:var(--ink)}
.done-prep ul{margin:0;padding-inline-start:1.2rem;display:grid;gap:.3rem;color:var(--body)}
.done-actions{display:flex;flex-wrap:wrap;align-items:center;gap:.75rem 1.25rem;margin-top:.4rem}
.done-again{min-height:44px;padding:0;border:0;background:none;font:inherit;font-weight:500;color:var(--teal-ink);text-decoration:underline;text-underline-offset:4px;cursor:pointer}
.done-again:hover{color:var(--navy)}
.form-msg.ok{color:var(--ok)}
.form-msg.err{color:var(--err)}

.band{background:var(--navy);color:#fff;padding:clamp(56px,7vw,88px) 0;text-align:center}
.band-inner{display:grid;justify-items:center}
.band h2{color:#fff;margin-bottom:.4em}
.band p{color:#d4e2ee;max-width:52ch;margin:0}
.band-ctas{list-style:none;margin:1.8rem 0 0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:.75rem}
.site-footer{background:var(--navy-3);color:#a7b8c9;padding:48px 0 44px}
.footer-inner{display:grid;justify-items:center;text-align:center;gap:1rem}
.footer-inner img{background:#fff;border-radius:16px;padding:10px}
.footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr) 1.4fr;gap:2rem clamp(1.5rem,3vw,2.5rem);padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-brand img{background:#fff;border-radius:14px;padding:8px;margin-bottom:1rem}
.footer-brand p{margin:0;font-size:.9rem;line-height:1.65;max-width:34ch}
.footer-col h2{margin:0 0 .9rem;font-family:var(--display);font-size:.98rem;font-weight:500;line-height:1.3;letter-spacing:0;color:#fff}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:.3rem}
.footer-col a{display:inline-flex;align-items:center;gap:.55rem;min-height:32px;color:#c9d8e6;font-size:.93rem;text-decoration:none}
.footer-col a:hover{color:#fff;text-decoration:underline;text-underline-offset:3px}
.footer-contact li{display:flex;align-items:center;gap:.55rem;min-height:32px;color:#c9d8e6;font-size:.93rem}
.footer-contact .i{width:18px;height:18px;color:var(--teal)}
.footer-bottom{display:grid;gap:.6rem;padding-top:1.75rem}
.disclaimer{font-size:.84rem;max-width:72ch;margin:0}
.copy{font-size:.84rem;margin:0}
.footer-links{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:.25rem 1.75rem;font-size:.9rem}
.footer-links a{display:inline-block;padding:.3rem 0;color:#dbe7f0;text-underline-offset:3px}
.footer-links a:hover{color:#fff}

.wa-float{position:fixed;bottom:24px;left:24px;width:60px;height:60px;border-radius:50%;background:var(--wa);color:#fff;display:grid;place-items:center;box-shadow:0 10px 25px rgba(17,128,63,.4);z-index:60;transition:transform .2s var(--ease)}
.wa-float:hover{transform:scale(1.06)}
.wa-float .i{width:30px;height:30px}
.mobile-bar{display:none}

.term{display:inline;padding:0;border:0;background:none;font:inherit;color:inherit;text-decoration:underline dotted;text-decoration-color:var(--teal);text-decoration-thickness:2px;text-underline-offset:4px;cursor:help}
.refi .term{text-decoration-color:#fff}
.term:hover{color:var(--teal-ink)}
.refi .term:hover{color:#fff;text-decoration-style:solid}
.term-pop{max-width:min(420px,calc(100% - 32px));margin:auto;padding:1.3rem 1.4rem 1.1rem;border:0;border-radius:16px;background:#fff;color:var(--ink);box-shadow:var(--shadow-lg)}
.term-pop::backdrop{background:rgba(15,34,56,.35)}
.term-title{margin:0 0 .4rem;font-family:var(--display);font-weight:700;font-size:1.2rem;color:var(--navy)}
.term-pop p{margin:0;line-height:1.7}
.term-close{margin-top:1rem;min-height:44px;padding:0 1.1rem;border:1.5px solid var(--line-2);border-radius:10px;background:#fff;font:inherit;font-weight:500;color:var(--navy);cursor:pointer}
.term-close:hover{border-color:var(--navy)}
.hp{position:absolute;inset-inline-start:-10000px;width:1px;height:1px;overflow:hidden}
.legal h1{font-size:2rem}
.legal h2{font-size:1.25rem;margin-top:1.8rem}
.legal p{color:var(--body)}
.legal a{color:var(--navy)}
.draft-note{background:#fff4d6;border:1px solid #f0d27a;color:#6b4e00 !important;padding:.7rem 1rem;border-radius:12px;font-weight:500}

:focus-visible{outline:3px solid var(--teal-ink);outline-offset:3px;border-radius:6px}
.contact :focus-visible,.refi :focus-visible,.calc-result :focus-visible,.band :focus-visible,.site-footer :focus-visible{outline-color:#fff}
.lead-form :focus-visible{outline-color:var(--teal-ink)}

@media (max-width:1060px){
  .nav{display:none}
  .creds{grid-template-columns:repeat(2,1fr)}
  .creds li:nth-child(3){border-inline-start:0}
  .creds li:nth-child(n+3){border-top:1px solid var(--line)}
  .badge-float{inset-inline-end:0}
  .refi-inner{grid-template-columns:auto 1fr}
  .refi-inner .btn{grid-column:1/-1;justify-self:start}
  .footer-grid{grid-template-columns:repeat(3,1fr)}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:860px){
  .cards{grid-template-columns:1fr}
  .card{padding:1.5rem 0;display:grid;grid-template-columns:52px 1fr;column-gap:1rem;align-items:center}
  .card h3{margin:0}
  .card p{grid-column:1/-1;margin-top:.8rem}
  .card .card-cta{grid-column:1/-1;justify-self:start}
  .card+.card{border-inline-start:0;border-top:1px solid var(--line-2)}
  .why li{grid-template-columns:1fr;row-gap:.9rem;padding:1.6rem 0}
  .why li::before,.why li::after{display:none}
  .why-problem,.why-solution{grid-column:1;grid-row:auto}
  .why-problem{padding-top:0;padding-inline-start:1rem;border-inline-start:2px solid var(--teal-line)}
  .why-problem p{font-size:1.02rem}
  .steps{grid-template-columns:1fr;gap:1.75rem;max-width:520px;margin-inline:auto}
  .steps::before{top:28px;bottom:28px;inset-inline:auto;inset-inline-start:27px;width:2px;height:auto;background:repeating-linear-gradient(180deg,var(--line-2) 0 8px,transparent 8px 14px)}
  .steps li{display:grid;grid-template-columns:56px 1fr;column-gap:1.1rem;text-align:start;padding:0}
  .steps .num{grid-row:span 2;margin:0}
  .steps h3{align-self:end;margin:0}
}
@media (max-width:760px){
  html{scroll-padding-bottom:84px}
  body{font-size:16px;padding-bottom:64px}
  .header-inner{height:66px}
  .brand-text small{display:none}
  .header-call{width:44px;padding:0}
  .header-call span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
  .hero-grid,.about-grid,.calc-grid,.contact-grid{grid-template-columns:1fr}
  .contact-copy{position:static}
  .form-row{grid-template-columns:1fr}
  .hero-visual{order:-1;max-width:190px}
  .hero .pill{display:none}
  .hero{padding-top:28px}
  .more-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 1rem}
  .more-list li{padding:.7rem 0}
  .more-list span{display:none}
  .hero-visual::before{inset:-8px}
  .cert::before{inset:-8px;border-radius:calc(var(--radius-lg) + 8px)}
  .badge-float{inset-inline:0;margin-inline:auto;width:max-content;bottom:-22px;white-space:nowrap;padding:.6rem .9rem}
  .hero-copy{padding-top:1.5rem}
  .hero-ctas .btn{flex:1 1 100%}
  .creds li{padding:1rem;flex-direction:column;gap:.6rem}
  .creds .i{width:40px;height:40px;padding:9px}
  .creds strong{font-size:1rem}
  .creds span{font-size:.82rem}
  .refi-inner{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
  .footer-col:last-child{grid-column:1/-1}
  .band-ctas{flex-direction:column;align-self:stretch;width:100%}
  .band-ctas .btn{width:100%}
  .refi-ico{width:60px;height:60px}
  .refi-inner .btn{width:100%}
  .stat{padding:1rem .5rem}
  .stat span{font-size:.8rem}
  .cert{transform:none}
  .wa-float{display:none}
  .mobile-bar{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;bottom:0;inset-inline:0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(15,34,56,.08);padding-bottom:env(safe-area-inset-bottom)}
  .mobile-bar a{display:flex;align-items:center;justify-content:center;gap:.45rem;min-height:56px;padding:.5rem .25rem;text-decoration:none;font-weight:700;font-size:.92rem;color:var(--navy)}
  .mobile-bar a:nth-child(2){background:var(--wa);color:#fff}
  .mobile-bar a:nth-child(3){background:var(--navy);color:#fff}
  .mobile-bar .i{width:20px;height:20px}
}
@media (prefers-reduced-motion:no-preference){
  .hero-visual::before{animation:arch-in .9s var(--ease) .25s both}
  .hero .pill,.hero .lead,.hero-ctas,.creds{animation:rise .6s var(--ease) both}
  .pill-dot{animation:pulse-dot 2.4s ease-out 2}
  .reveal-on .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
  .reveal-on .reveal.is-in{opacity:1;transform:none}
  .reveal-on .reveal.stagger{opacity:1;transform:none}
  .reveal-on .stagger>*{opacity:0;transform:translateY(16px);transition:opacity .5s var(--ease),transform .5s var(--ease)}
  .reveal-on .stagger.is-in>*{opacity:1;transform:none}
  .reveal-on .stagger>:nth-child(2){transition-delay:.08s}
  .reveal-on .stagger>:nth-child(3){transition-delay:.16s}
  .reveal-on .stagger>:nth-child(4){transition-delay:.24s}
  .reveal-on .why li::before{transform:scaleX(0);transform-origin:right;transition:transform .55s var(--ease) .35s}
  .reveal-on .why li::after{opacity:0;transform:scale(.4);transition:opacity .25s var(--ease) .8s,transform .35s cubic-bezier(.3,1.6,.5,1) .8s}
  .reveal-on .why.is-in li::before{transform:none}
  .reveal-on .why.is-in li::after{opacity:1;transform:none}
  .reveal-on .why li:nth-child(2)::before{transition-delay:.43s}.reveal-on .why li:nth-child(2)::after{transition-delay:.88s}
  .reveal-on .why li:nth-child(3)::before{transition-delay:.51s}.reveal-on .why li:nth-child(3)::after{transition-delay:.96s}
  .reveal-on .steps::before{transform:scaleX(0);transform-origin:right;transition:transform 1s var(--ease) .2s}
  .reveal-on .steps.is-in::before{transform:none}
  .photo-frame img{animation:settle 1.4s var(--ease) both}
  .accordion.is-open details:nth-of-type(n+6){animation:rise .4s var(--ease) both}
  .reviews[data-dir=next] .review:not(.is-active){transform:translateX(24px)}
  .reviews[data-dir=prev] .review:not(.is-active){transform:translateX(-24px)}
  .reviews[data-dir=next] .review:not(.is-active):not(.was-active){transform:translateX(-24px)}
  .reviews[data-dir=prev] .review:not(.is-active):not(.was-active){transform:translateX(24px)}
  .car-dot,.pip{transition:width .35s var(--ease),background-color .2s}
  .accordion details[open]>p{animation:rise .3s var(--ease) both}
  .lead-form.is-done .form-done{animation:rise .45s var(--ease) both}
  .lead-form.is-done .done-ico{animation:pop .5s cubic-bezier(.3,1.5,.5,1) .12s both}
  .term-pop{opacity:0;transform:translateY(8px) scale(.98);transition:opacity .2s var(--ease),transform .2s var(--ease),overlay .2s allow-discrete,display .2s allow-discrete}
  .term-pop:popover-open{opacity:1;transform:none}
  .btn:not([disabled]):hover{transform:translateY(-1px)}
  .btn:not([disabled]):active{transform:translateY(1px)}
}
@media (prefers-reduced-motion:no-preference) and (max-width:860px){
  .reveal-on .steps::before{transform:scaleY(0);transform-origin:top}
  .reveal-on .steps.is-in::before{transform:none}
  .hero-ctas{animation-delay:.1s}
  .creds{animation-delay:.2s}
}
@keyframes arch-in{from{transform:none;opacity:0}}
@starting-style{.term-pop:popover-open{opacity:0;transform:translateY(8px) scale(.98)}}
@keyframes slide-from-left{from{opacity:0;transform:translateX(-24px)}}
@keyframes slide-from-right{from{opacity:0;transform:translateX(24px)}}
@keyframes car-fill{from{transform:scaleX(0)}to{transform:scaleX(1)}}
@keyframes settle{from{transform:scale(1.06)}}
@keyframes pop{from{opacity:0;transform:scale(.5)}}
@keyframes pulse-dot{0%{box-shadow:0 0 0 0 rgba(21,176,170,.55)}70%,100%{box-shadow:0 0 0 9px rgba(21,176,170,0)}}
@keyframes rise{from{opacity:0;transform:translateY(12px)}}
@media (prefers-reduced-motion:reduce){
  .carousel.is-playing .car-dot.is-active .fill.run{animation-duration:6s !important}
  html{scroll-behavior:auto}
  *,*::before,*::after{transition-duration:.01ms !important;animation-duration:.01ms !important}
  .btn:active{transform:none}
}
.legal ul{padding-inline-start:1.3rem;margin:0 0 1em;color:var(--body);display:grid;gap:.35rem}
.legal-footer{padding:32px 0}
.not-found{padding-block:clamp(24px,6vw,64px)}
.legal .btn-primary{color:#fff}