:root{
  --navy:#0b1f3a;
  --navy-2:#102a4c;
  --blue:#1a67d2;
  --red:#df2f3a;
  --red-dark:#bd202b;
  --cream:#f6f8fb;
  --white:#ffffff;
  --text:#172033;
  --muted:#647187;
  --line:#dce3ec;
  --green:#178a5b;
  --shadow:0 20px 50px rgba(10,31,58,.12);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:var(--white);line-height:1.6}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
button,input,select{font:inherit}
.container{width:min(1160px,calc(100% - 40px));margin-inline:auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--red)}
.eyebrow:before{content:"";width:22px;height:2px;background:var(--red);border-radius:2px}
.section{padding:84px 0}
.section.alt{background:var(--cream)}
.section-title{max-width:760px;margin-bottom:34px}
.section-title h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.08;letter-spacing:-.04em;margin:10px 0 14px;color:var(--navy)}
.section-title p{font-size:1.05rem;color:var(--muted);margin:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:12px;padding:14px 20px;font-weight:800;cursor:pointer;transition:.2s ease;min-height:50px}
.btn.primary{background:var(--red);color:#fff;box-shadow:0 10px 24px rgba(223,47,58,.24)}
.btn.primary:hover{transform:translateY(-1px);background:var(--red-dark)}
.btn.secondary{background:#fff;color:var(--navy);border:1px solid rgba(255,255,255,.4)}
.btn.outline{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn.outline:hover{border-color:var(--navy);transform:translateY(-1px)}
.arrow{font-size:1.1em;line-height:1}

/* Header */
.topline{background:var(--navy);color:#dbe7f7;font-size:.82rem;padding:8px 0;text-align:center}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(11,31,58,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:28px}
.logo{display:flex;align-items:center;gap:11px;font-weight:900;color:var(--navy);font-size:1.15rem;letter-spacing:-.02em}
.logo-mark{width:40px;height:40px;border-radius:12px;background:var(--navy);display:grid;place-items:center;position:relative;overflow:hidden}
.logo-mark:before{content:"";position:absolute;width:28px;height:28px;border:5px solid white;border-radius:50%;bottom:-11px;left:6px}
.logo-mark:after{content:"";position:absolute;width:17px;height:5px;background:var(--red);border-radius:10px;transform:rotate(-28deg);top:10px;right:7px}
.nav-links{display:flex;align-items:center;gap:28px;font-size:.95rem;font-weight:700;color:#3a4960}
.nav-links a:hover{color:var(--red)}
.nav-actions{display:flex;align-items:center;gap:10px}
.menu-btn{display:none;width:45px;height:45px;border-radius:10px;border:1px solid var(--line);background:#fff;font-size:1.25rem}

/* Hero */
.hero{background:linear-gradient(135deg,#07192f 0%,#0d2a4c 58%,#173b67 100%);color:#fff;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;width:700px;height:700px;border-radius:50%;background:radial-gradient(circle,rgba(26,103,210,.28),transparent 68%);right:-210px;top:-300px}
.hero-grid{min-height:680px;display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:58px;padding:70px 0;position:relative}
.hero-copy h1{font-size:clamp(3rem,6vw,5.45rem);line-height:.96;letter-spacing:-.055em;margin:12px 0 22px;max-width:720px}
.hero-copy h1 span{color:#ff6b72}
.hero-copy p{font-size:1.15rem;color:#cfdaea;max-width:650px;margin:0 0 28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:28px;color:#dbe6f4;font-size:.9rem}
.hero-trust span{display:flex;align-items:center;gap:7px}
.check{width:20px;height:20px;border-radius:50%;background:rgba(255,255,255,.12);display:grid;place-items:center;font-size:.75rem}
.hero-art{position:relative}
.dashboard-card{background:rgba(255,255,255,.97);border:1px solid rgba(255,255,255,.45);border-radius:28px;color:var(--text);padding:24px;box-shadow:0 30px 80px rgba(0,0,0,.24);position:relative;z-index:2}
.dashboard-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px}
.dashboard-head strong{color:var(--navy);font-size:1.06rem}
.status-dot{display:flex;align-items:center;gap:7px;color:var(--green);font-size:.8rem;font-weight:800}
.status-dot:before{content:"";width:8px;height:8px;background:var(--green);border-radius:50%}
.saving-bars{display:grid;gap:15px}
.saving-row{display:grid;grid-template-columns:120px 1fr auto;gap:12px;align-items:center;font-size:.9rem}
.bar{height:10px;background:#e9eef5;border-radius:10px;overflow:hidden}
.bar span{display:block;height:100%;background:linear-gradient(90deg,var(--red),#ff777e);border-radius:inherit}
.saving-row b{color:var(--navy)}
.road-art{margin-top:24px;border-radius:20px;overflow:hidden;background:linear-gradient(#dceeff 0 46%,#d8e6c9 46% 60%,#303844 60%);height:245px;position:relative}
.road-art:before{content:"";position:absolute;left:0;right:0;bottom:50px;height:6px;background:repeating-linear-gradient(90deg,#fff 0 38px,transparent 38px 70px);opacity:.9}
.car{position:absolute;width:210px;height:64px;background:var(--red);border-radius:48px 60px 18px 18px;bottom:68px;left:50%;transform:translateX(-50%);box-shadow:inset 0 -8px 0 rgba(0,0,0,.08)}
.car:before{content:"";position:absolute;width:110px;height:42px;background:#cfe4f6;border:7px solid var(--red);border-bottom:0;border-radius:58px 58px 0 0;left:46px;top:-32px;transform:skewX(-10deg)}
.car:after{content:"";position:absolute;width:43px;height:43px;border-radius:50%;background:#172033;border:9px solid #68758a;left:26px;bottom:-19px;box-shadow:114px 0 0 -9px #172033,114px 0 0 0 #68758a}

/* cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.2s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#ccd6e3}
.icon-box{width:52px;height:52px;border-radius:15px;background:#fff0f1;color:var(--red);display:grid;place-items:center;font-size:1.35rem;margin-bottom:18px}
.card h3{font-size:1.2rem;line-height:1.25;color:var(--navy);margin:0 0 8px}
.card p{color:var(--muted);font-size:.94rem;margin:0 0 18px}
.text-link{font-weight:800;color:var(--red);font-size:.9rem}

/* calculator */
.calc-wrap{display:grid;grid-template-columns:.92fr 1.08fr;gap:34px;align-items:stretch}
.calc-copy{background:var(--navy);border-radius:28px;padding:42px;color:#fff;position:relative;overflow:hidden}
.calc-copy:after{content:"$";position:absolute;font-size:260px;font-weight:900;line-height:1;color:rgba(255,255,255,.035);right:-10px;bottom:-55px}
.calc-copy h2{font-size:clamp(2rem,4vw,3.2rem);line-height:1.04;letter-spacing:-.04em;margin:12px 0 18px}
.calc-copy p{color:#c7d5e6;max-width:520px}
.calc-card{border:1px solid var(--line);border-radius:28px;padding:30px;background:#fff;box-shadow:var(--shadow)}
.field{display:grid;gap:8px;margin-bottom:18px}
.field label{font-size:.88rem;font-weight:800;color:var(--navy)}
.field input,.field select{width:100%;border:1px solid #ccd6e3;border-radius:12px;padding:13px 14px;color:var(--text);background:#fff;outline:none}
.field input:focus,.field select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(26,103,210,.1)}
.calc-result{margin-top:18px;padding:20px;border-radius:16px;background:#f1f6fb;border:1px solid #d9e6f4;display:none}
.calc-result.show{display:block}
.calc-result small{display:block;color:var(--muted);font-weight:700}
.calc-result strong{font-size:2rem;color:var(--green);letter-spacing:-.04em}
.disclaimer{font-size:.76rem!important;color:#7c899b!important;line-height:1.45}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:steps}
.step{position:relative;padding:26px 22px;border-top:3px solid var(--navy);background:#fff;border-radius:0 0 18px 18px;box-shadow:0 12px 30px rgba(11,31,58,.07)}
.step:before{counter-increment:steps;content:"0" counter(steps);font-weight:900;color:#cad3df;font-size:2rem;display:block;margin-bottom:20px}
.step h3{margin:0 0 8px;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:.92rem}

/* feature band */
.feature-band{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}
.feature-visual{background:linear-gradient(145deg,#e9f2ff,#fdfefe);border:1px solid #dae6f4;border-radius:30px;padding:30px;min-height:430px;display:grid;place-items:center;position:relative;overflow:hidden}
.gauge{width:260px;height:260px;border-radius:50%;background:conic-gradient(var(--red) 0 26%,#f0b13b 26% 48%,var(--green) 48% 74%,#dfe6ef 74%);position:relative}
.gauge:after{content:"";position:absolute;inset:34px;background:white;border-radius:50%;box-shadow:inset 0 0 0 1px #e3e9f0}
.gauge-label{position:absolute;z-index:2;text-align:center;top:50%;left:50%;transform:translate(-50%,-50%)}
.gauge-label strong{display:block;font-size:2.35rem;color:var(--navy);line-height:1}
.gauge-label span{font-size:.8rem;color:var(--muted);font-weight:700}
.float-card{position:absolute;background:#fff;border:1px solid var(--line);border-radius:15px;padding:12px 16px;box-shadow:0 12px 30px rgba(11,31,58,.09);font-size:.84rem;font-weight:800}
.float-card.one{top:28px;left:24px}.float-card.two{right:20px;bottom:28px}.float-card b{color:var(--green)}
.feature-copy h2{font-size:clamp(2rem,4vw,3.1rem);line-height:1.06;letter-spacing:-.04em;color:var(--navy);margin:12px 0 18px}
.feature-copy p{color:var(--muted)}
.check-list{display:grid;gap:13px;margin:24px 0 28px}
.check-list div{display:flex;gap:12px;align-items:flex-start;font-weight:700;color:#39475c}
.check-list i{font-style:normal;width:24px;height:24px;flex:0 0 24px;border-radius:50%;background:#e6f6ef;color:var(--green);display:grid;place-items:center;font-size:.78rem}

/* articles */
.article-card{overflow:hidden;padding:0}
.thumb{height:190px;background:linear-gradient(145deg,#16345e,#3c6fa9);position:relative;overflow:hidden}
.thumb.red{background:linear-gradient(145deg,#7d1721,#ef5660)}
.thumb.green{background:linear-gradient(145deg,#145944,#38a579)}
.thumb.gold{background:linear-gradient(145deg,#835f19,#d7a839)}
.thumb:after{content:"";position:absolute;width:170px;height:90px;border-radius:90px 90px 0 0;border:20px solid rgba(255,255,255,.18);border-bottom:0;left:50%;bottom:-10px;transform:translateX(-50%)}
.article-body{padding:24px}
.tag{display:inline-flex;padding:5px 9px;border-radius:999px;background:#eef3f8;color:#526176;font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin-bottom:11px}
.article-body h3{font-size:1.25rem;line-height:1.3;margin:0 0 10px;color:var(--navy)}
.article-body p{font-size:.9rem;color:var(--muted);margin:0 0 18px}

/* CTA */
.cta{background:linear-gradient(135deg,var(--red),#b91f2a);color:#fff;border-radius:30px;padding:46px;display:flex;align-items:center;justify-content:space-between;gap:30px;box-shadow:0 22px 50px rgba(197,33,44,.22)}
.cta h2{margin:0 0 8px;font-size:clamp(2rem,4vw,3rem);letter-spacing:-.04em;line-height:1.04}
.cta p{margin:0;color:#ffe0e2;max-width:680px}
.cta .btn{white-space:nowrap}

/* Inner pages */
.page-hero{background:linear-gradient(135deg,#07192f,#123b67);color:#fff;padding:82px 0}
.page-hero .container{max-width:980px}
.page-hero h1{font-size:clamp(2.7rem,6vw,4.9rem);line-height:1;letter-spacing:-.05em;margin:12px 0 18px}
.page-hero p{font-size:1.1rem;color:#ccdaeb;max-width:760px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:42px;align-items:start}
.article h2{font-size:2rem;letter-spacing:-.03em;color:var(--navy);margin-top:34px}
.article h3{font-size:1.3rem;color:var(--navy);margin-top:25px}
.article p,.article li{color:#4f5d71}
.article ul{padding-left:22px}
.callout{padding:20px 22px;border-left:4px solid var(--red);background:#fff4f5;border-radius:0 14px 14px 0;margin:26px 0;color:#4f2930}
.sidebar{position:sticky;top:98px;display:grid;gap:18px}
.sidebar-card{border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff}
.sidebar-card h3{margin:0 0 12px;color:var(--navy);font-size:1.1rem}
.sidebar-card a{display:block;padding:9px 0;border-bottom:1px solid #edf1f5;color:#4b5a6d;font-weight:700;font-size:.9rem}
.sidebar-card a:last-child{border:0}
.sidebar-cta{background:var(--navy);color:#fff}
.sidebar-cta h3{color:#fff}.sidebar-cta p{color:#c8d6e7;font-size:.88rem}

/* Footer */
.footer{background:#07182d;color:#b7c4d5;padding:58px 0 24px;margin-top:80px}
.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,.7fr);gap:36px}
.footer .logo{color:#fff}
.footer p{font-size:.88rem;max-width:380px}
.footer h4{color:#fff;margin:4px 0 14px}
.footer a{display:block;padding:5px 0;font-size:.88rem}
.footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.09);margin-top:34px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;font-size:.78rem}

/* Mobile */
@media (max-width:960px){
  .nav-links,.nav-actions .btn{display:none}.menu-btn{display:block}
  .nav-links.open{display:flex;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;flex-direction:column;align-items:flex-start;gap:14px;box-shadow:0 20px 40px rgba(11,31,58,.08)}
  .hero-grid,.calc-wrap,.feature-band,.content-grid{grid-template-columns:1fr}
  .hero-grid{padding:58px 0;gap:42px}.hero-copy h1{font-size:clamp(3rem,11vw,5rem)}
  .grid-4,.steps{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .sidebar{position:static}
  .footer-grid{grid-template-columns:1.2fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2/4}
}
@media (max-width:680px){
  .container{width:min(100% - 28px,1160px)}
  .section{padding:64px 0}.topline{font-size:.74rem}
  .hero-grid{min-height:auto}.hero-copy p{font-size:1rem}.hero-actions .btn{width:100%}
  .grid-3,.grid-4,.steps{grid-template-columns:1fr}
  .saving-row{grid-template-columns:92px 1fr auto;font-size:.8rem}.dashboard-card{padding:18px}.road-art{height:210px}
  .calc-copy,.calc-card{padding:26px}.feature-visual{min-height:360px}.gauge{width:220px;height:220px}
  .cta{padding:30px;display:block}.cta .btn{margin-top:24px;width:100%}
  .footer-grid{grid-template-columns:1fr}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{display:block}
}

/* Stock photography enhancements */
.hero-photo-card{position:relative;min-height:520px;border-radius:30px;overflow:hidden;box-shadow:0 32px 85px rgba(0,0,0,.28);border:1px solid rgba(255,255,255,.16);background:#102a4c}
.hero-photo-card>img{width:100%;height:100%;min-height:520px;object-fit:cover;object-position:center;position:absolute;inset:0}
.photo-shade{position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,18,33,.05) 25%,rgba(6,18,33,.82) 100%)}
.hero-photo-badge{position:absolute;left:26px;right:26px;bottom:28px;background:rgba(7,24,45,.84);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.15);padding:20px 22px;border-radius:18px;color:#fff}
.hero-photo-badge span{display:block;color:#ff8990;text-transform:uppercase;letter-spacing:.1em;font-size:.72rem;font-weight:900;margin-bottom:5px}
.hero-photo-badge strong{font-size:1.12rem;line-height:1.35}
.hero-mini-card{position:absolute;right:20px;top:20px;background:#fff;color:var(--navy);border-radius:16px;padding:14px 16px;box-shadow:0 16px 38px rgba(0,0,0,.18);display:grid;min-width:126px}
.hero-mini-card b{font-size:1.7rem;line-height:1;color:var(--red)}
.hero-mini-card span{font-size:.73rem;font-weight:800;color:#697589;margin-top:5px}

.category-card{padding:0;overflow:hidden}
.category-image{height:165px;overflow:hidden;background:#e7edf4}
.category-image img{width:100%;height:100%;object-fit:cover;transition:transform .35s ease}
.category-card:hover .category-image img{transform:scale(1.04)}
.category-body{padding:24px 24px 26px}
.category-body .icon-box{margin-top:-50px;position:relative;z-index:2;border:5px solid #fff;box-sizing:content-box;box-shadow:0 10px 24px rgba(11,31,58,.12)}

.feature-photo{padding:0;display:block;min-height:430px;background:#0b1f3a}
.feature-photo>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.feature-photo-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,25,47,.08),rgba(8,25,47,.58))}
.photo-stat{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);background:rgba(255,255,255,.93);border-radius:22px;padding:22px 28px;text-align:center;box-shadow:0 20px 45px rgba(4,20,37,.2);min-width:210px}
.photo-stat strong{display:block;font-size:2.15rem;color:var(--navy);letter-spacing:-.04em;line-height:1}
.photo-stat span{display:block;color:var(--muted);font-size:.8rem;font-weight:800;margin-top:7px}

.thumb{background:#dce5ef}
.thumb img{width:100%;height:100%;object-fit:cover;transition:transform .35s ease}
.article-card:hover .thumb img{transform:scale(1.035)}
.thumb:after{display:none}

.page-hero-photo{position:relative;isolation:isolate;background-image:var(--hero-image);background-position:center;background-size:cover;background-repeat:no-repeat;overflow:hidden}
.page-hero-photo:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,18,34,.94) 0%,rgba(7,29,53,.82) 48%,rgba(8,31,56,.48) 100%);z-index:-1}
.page-hero-photo .container{position:relative;z-index:1}

@media (max-width:960px){
  .hero-photo-card,.hero-photo-card>img{min-height:430px}
  .category-image{height:190px}
}
@media (max-width:680px){
  .hero-photo-card,.hero-photo-card>img{min-height:360px}
  .hero-photo-badge{left:16px;right:16px;bottom:16px;padding:16px}
  .hero-mini-card{right:14px;top:14px}
  .category-image{height:200px}
  .feature-photo{min-height:340px}
  .page-hero-photo:before{background:linear-gradient(90deg,rgba(4,18,34,.94),rgba(7,29,53,.76))}
}