:root{
  --bg:#ffffff;
  --ink:#12141c;
  --ink-soft:#5c6270;
  --ink-faint:#9298a5;
  --line:#e9e9ee;
  --panel:#f6f6fb;
  --accent:#4f3ff0;
  --accent-dark:#3d2fc4;
  --accent-soft:#eeecfe;
  --coral:#ff6a4d;
  --coral-soft:#ffe9e2;
  --radius:14px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--bg);color:var(--ink);font-family:'Inter',sans-serif;-webkit-font-smoothing:antialiased;}
h1,h2,h3,.display{font-family:'Space Grotesk',sans-serif;letter-spacing:-.02em;}
p{line-height:1.65;color:var(--ink-soft);margin:0;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;}
::selection{background:var(--accent-soft);}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Inter',sans-serif;font-weight:600;font-size:14.5px;padding:13px 24px;border-radius:999px;cursor:pointer;border:1.5px solid transparent;transition:transform .15s ease, background .15s ease, border-color .15s ease;}
.btn:hover{transform:translateY(-1px);}
.btn-primary{background:var(--accent);color:#fff;}
.btn-primary:hover{background:var(--accent-dark);}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line);}
.btn-ghost:hover{border-color:var(--ink);}
.btn-sm{padding:9px 16px;font-size:13px;}

.wrap{max-width:1160px;margin:0 auto;padding:0 32px;}

/* ================= NAVBAR + MEGA MENU ================= */
#navbar{position:fixed;top:0;left:0;right:0;z-index:200;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
#navbar .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;}
.brand{display:flex;align-items:center;gap:9px;font-family:'Space Grotesk',sans-serif;font-weight:700;font-size:19px;cursor:pointer;}
.brand .mark{width:28px;height:28px;border-radius:8px;background:linear-gradient(135deg,var(--accent),var(--coral));flex:none;}

.nav-links{display:flex;align-items:center;gap:6px;height:100%;}
.nav-item{position:relative;height:100%;display:flex;align-items:center;}
.nav-item > button{
  background:none;border:none;font:inherit;font-size:14px;font-weight:600;color:var(--ink-soft);
  display:flex;align-items:center;gap:5px;cursor:pointer;padding:10px 12px;border-radius:8px;
}
.nav-item > button .car{font-size:10px;transition:transform .18s;color:var(--ink-faint);}
.nav-item:hover > button, .nav-item.open > button{color:var(--ink);background:var(--panel);}
.nav-item.open > button .car{transform:rotate(180deg);}
.nav-item > button.active{color:var(--accent);}
.nav-item.simple > a{font-size:14px;font-weight:600;color:var(--ink-soft);padding:10px 12px;border-radius:8px;}
.nav-item.simple > a:hover{color:var(--ink);background:var(--panel);}
.nav-item.simple > a.active{color:var(--accent);}

.mega{
  position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(8px);
  background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 24px 50px -20px rgba(18,20,28,.25);
  padding:14px;min-width:280px;opacity:0;visibility:hidden;transition:opacity .16s ease,transform .16s ease;
}
.nav-item.open .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.mega a{display:flex;gap:12px;align-items:flex-start;padding:11px 12px;border-radius:10px;}
.mega a:hover{background:var(--panel);}
.mega a.active-link{background:var(--accent-soft);}
.mega a .mi{width:32px;height:32px;border-radius:9px;background:var(--accent-soft);color:var(--accent);display:flex;align-items:center;justify-content:center;font-size:15px;flex:none;}
.mega a .mt{font-size:13.5px;font-weight:600;color:var(--ink);}
.mega a .md{font-size:12px;color:var(--ink-faint);margin-top:2px;}

.nav-cta{display:flex;align-items:center;gap:12px;}
#burger{display:none;background:none;border:none;font-size:22px;cursor:pointer;}

#mobileMenu{display:none;position:fixed;top:72px;left:0;right:0;bottom:0;background:#fff;z-index:199;overflow-y:auto;padding:10px 20px 40px;}
#mobileMenu.open{display:block;}
.m-group{border-bottom:1px solid var(--line);}
.m-head{display:flex;justify-content:space-between;align-items:center;padding:16px 4px;font-weight:600;font-size:15px;cursor:pointer;}
.m-head .car{transition:transform .18s;color:var(--ink-faint);}
.m-group.open .m-head .car{transform:rotate(180deg);}
.m-body{max-height:0;overflow:hidden;transition:max-height .2s ease;}
.m-group.open .m-body{max-height:400px;}
.m-body a{display:block;padding:10px 4px;font-size:14px;color:var(--ink-soft);}
.m-single a{display:block;padding:16px 4px;font-weight:600;font-size:15px;border-bottom:1px solid var(--line);color:var(--ink);}

/* ================= PAGE FRAMEWORK ================= */
#app{padding-top:72px;}

.p-hero{padding:64px 0 56px;background:radial-gradient(900px 420px at 85% -10%, var(--accent-soft), transparent 60%);}
.breadcrumb{font-size:12.5px;color:var(--ink-faint);margin-bottom:18px;}
.breadcrumb a:hover{color:var(--accent);}
.tag{display:inline-block;font-size:12.5px;font-weight:700;color:var(--coral);text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px;}
h1.p-title{font-size:42px;font-weight:700;line-height:1.1;margin:0 0 16px;max-width:16ch;}
.p-lead{font-size:16.5px;max-width:58ch;margin-bottom:26px;}

.hero-split{display:grid;grid-template-columns:1.05fr 1fr;gap:52px;align-items:center;}
.hero-split-media img{width:100%;height:400px;object-fit:cover;border-radius:22px;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;}

section.py{padding:70px 0;}
section.alt{background:var(--panel);}
.sec-head{max-width:640px;margin:0 0 40px;}
h2.sec-title{font-size:28px;font-weight:700;margin:0 0 12px;}

.intro-block{max-width:74ch;margin-bottom:40px;}
.intro-block p{font-size:15.5px;margin-bottom:16px;}
.intro-block p:last-child{margin-bottom:0;}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:border-color .2s,transform .2s;}
.card:hover{border-color:var(--accent);transform:translateY(-2px);}
.card .ic{width:40px;height:40px;border-radius:11px;background:var(--accent-soft);color:var(--accent);display:flex;align-items:center;justify-content:center;font-size:18px;margin-bottom:14px;}
.card h3{font-size:16.5px;margin:0 0 7px;font-weight:600;}
.card p{font-size:14px;}

table.rates{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;}
table.rates th{text-align:left;font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-faint);padding:15px 20px;background:var(--panel);font-weight:600;}
table.rates td{padding:17px 20px;border-top:1px solid var(--line);font-size:14.5px;}
table.rates .apy{color:var(--accent);font-weight:700;font-family:'Space Grotesk',sans-serif;}

.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.cardtile{border:1px solid var(--line);border-radius:16px;padding:24px;background:#fff;}
.cardtile .swatch{height:60px;border-radius:11px;margin-bottom:16px;background:linear-gradient(135deg,var(--accent),var(--accent-dark));}
.cardtile.b .swatch{background:linear-gradient(135deg,var(--coral),#c94120);}
.cardtile.c .swatch{background:linear-gradient(135deg,#232a37,#0c0f16);}
.cardtile h3{font-size:16px;margin:0 0 5px;}
.cardtile .apr{font-size:12.5px;color:var(--ink-faint);margin-bottom:12px;}
.cardtile ul{list-style:none;font-size:13.5px;color:var(--ink-soft);}
.cardtile ul li{padding:5px 0;display:flex;gap:8px;}
.cardtile ul li::before{content:"✓";color:var(--accent);font-weight:700;}

.calc-box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px;display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center;}
.field{margin-bottom:18px;}
.field label{display:flex;justify-content:space-between;font-size:13px;color:var(--ink-soft);margin-bottom:8px;font-weight:500;}
.field .val{color:var(--accent);font-weight:700;}
.field input[type=range]{width:100%;accent-color:var(--accent);}
.calc-out{text-align:center;background:var(--panel);border-radius:16px;padding:32px 22px;}
.calc-out .big{font-family:'Space Grotesk',sans-serif;font-size:38px;font-weight:700;color:var(--accent);}
.calc-out .cap{font-size:12.5px;color:var(--ink-faint);margin-top:8px;}

.steps{display:flex;flex-direction:column;}
.step{display:flex;gap:18px;padding:20px 0;border-bottom:1px solid var(--line);}
.step .sn{font-family:'Space Grotesk',sans-serif;color:var(--accent);font-weight:700;font-size:15px;min-width:26px;}
.step h3{margin:0 0 4px;font-size:15.5px;}
.step p{margin:0;font-size:14px;}

.list-simple{list-style:none;}
.list-simple li{display:flex;gap:10px;padding:13px 0;border-bottom:1px solid var(--line);font-size:14.5px;color:var(--ink-soft);}
.list-simple li::before{content:"✓";color:var(--accent);font-weight:700;}

.testi-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
.testi{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;}
.testi .stars{color:var(--coral);font-size:13px;margin-bottom:12px;letter-spacing:2px;}
.testi p.q{font-size:14.5px;color:var(--ink);margin-bottom:18px;}
.testi .who{display:flex;align-items:center;gap:10px;}
.testi .av{width:34px;height:34px;border-radius:50%;background:var(--accent-soft);color:var(--accent);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:13px;font-family:'Space Grotesk',sans-serif;}
.testi .name{font-size:13px;font-weight:600;}
.testi .role{font-size:11.5px;color:var(--ink-faint);}

.faq-cat{font-size:12px;font-weight:700;color:var(--coral);text-transform:uppercase;letter-spacing:.07em;margin:30px 0 4px;}
.faq-cat:first-child{margin-top:0;}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{padding:18px 2px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:600;font-size:15px;}
.faq-q .plus{font-size:19px;color:var(--accent);transition:transform .2s;flex:none;margin-left:16px;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.faq-item.open .faq-a{max-height:240px;}
.faq-a p{padding:0 2px 20px;font-size:14px;}

.branch{display:flex;justify-content:space-between;gap:20px;padding:18px 0;border-bottom:1px solid var(--line);}
.branch h3{margin:0 0 4px;font-size:15px;}
.branch p{margin:0;font-size:13.5px;}
.branch .hours{text-align:right;font-size:12.5px;color:var(--ink-faint);white-space:nowrap;}

.contact-methods{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:44px;}
.cmethod{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff;}
.cmethod h3{font-size:14px;margin:0 0 6px;}
.cmethod .val{font-family:'Space Grotesk',sans-serif;font-weight:700;color:var(--accent);font-size:17px;margin-bottom:6px;}
.cmethod p{font-size:12.5px;}

form.contact-form{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
form.contact-form .full{grid-column:1/-1;}
form.contact-form label{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:var(--ink-faint);margin-bottom:6px;font-weight:600;}
form.contact-form input, form.contact-form textarea, form.contact-form select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font-family:'Inter',sans-serif;font-size:14px;background:#fff;color:var(--ink);}
form.contact-form input:focus, form.contact-form textarea:focus{outline:2px solid var(--accent);outline-offset:1px;}
form.contact-form textarea{min-height:110px;resize:vertical;}

.timeline{display:flex;flex-direction:column;margin-top:10px;}
.tl-item{display:grid;grid-template-columns:90px 1fr;gap:20px;padding:18px 0;border-bottom:1px solid var(--line);}
.tl-item .yr{font-family:'Space Grotesk',sans-serif;font-weight:700;color:var(--accent);font-size:16px;}
.tl-item p{font-size:14px;}

.quote-block{background:var(--panel);border-radius:20px;padding:40px;margin:44px 0;}
.quote-block blockquote{font-family:'Space Grotesk',sans-serif;font-size:22px;font-weight:600;line-height:1.4;color:var(--ink);margin:0 0 16px;max-width:56ch;}
.quote-block cite{font-size:13px;color:var(--ink-faint);font-style:normal;}

.p-cta{background:linear-gradient(135deg,var(--accent),#7a5cff);border-radius:24px;padding:56px 50px;text-align:center;color:#fff;margin-top:16px;}
.p-cta h2{color:#fff;font-size:26px;margin:0 0 10px;}
.p-cta p{color:rgba(255,255,255,.85);margin-bottom:24px;}
.p-cta .btn-on-dark{background:#fff;color:var(--accent);}

.prevnext{display:flex;justify-content:space-between;gap:16px;margin-top:20px;}
.navbtn{border:1px solid var(--line);padding:16px 18px;border-radius:14px;cursor:pointer;flex:1;}
.navbtn:hover{border-color:var(--accent);}
.navbtn.right{text-align:right;}
.navbtn .dir{font-size:11px;color:var(--coral);text-transform:uppercase;font-weight:700;letter-spacing:.05em;}
.navbtn .lbl{font-weight:600;margin-top:4px;font-size:14.5px;}

footer{padding:60px 0 30px;border-top:1px solid var(--line);}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:30px;padding-bottom:44px;}
.foot-grid h4{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-faint);margin:0 0 14px;font-weight:600;}
.foot-grid li{list-style:none;margin-bottom:10px;}
.foot-grid a{font-size:13.5px;color:var(--ink-soft);}
.foot-grid a:hover{color:var(--accent);}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:22px;border-top:1px solid var(--line);font-size:12px;color:var(--ink-faint);flex-wrap:wrap;gap:10px;}

@media (max-width:900px){
  .nav-links, .nav-cta .btn-ghost{display:none;}
  #burger{display:block;}
  .grid-3,.grid-2,.cards-grid,.calc-box,.testi-grid,.contact-methods{grid-template-columns:1fr !important;}
  .hero-split{grid-template-columns:1fr;gap:28px;}
  .hero-split-media{order:-1;}
  .hero-split-media img{height:240px;}
  h1.p-title{font-size:32px;}
  .p-hero{padding:44px 0 40px;}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .p-cta{padding:40px 24px;}
  .prevnext{flex-direction:column;}
  .quote-block{padding:28px;}
  .quote-block blockquote{font-size:18px;}
}