:root{
  --navy:#1E3C96; --navy2:#15296b; --navy-light:#1E3C96; --gold:#bd9433; --ink:#1f2733; --muted:#5e6b7a;
  --bg:#ffffff; --soft:#f6f3ee; --line:#e7ebf2; --shadow:0 12px 40px rgba(15,36,64,.09);
  --sun:#F8AD32; --sun-deep:#B26C12;
  --cta:#F8AD32; --cta-dark:#e2991f;
  --radius:14px; --maxw:1160px;
}
.brand-tag{font-family:'Poppins',sans-serif;color:var(--navy-light);font-weight:700;font-size:22px;letter-spacing:.005em;margin:2px 0 18px;line-height:1.25}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
[id]{scroll-margin-top:100px}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;color:var(--ink);line-height:1.65;background:var(--bg);font-size:16px}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;color:var(--navy);line-height:1.18;font-weight:700;letter-spacing:-.01em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:820px;margin:0 auto;padding:0 24px}
section{padding:84px 0}
.btn{display:inline-block;background:var(--cta);color:var(--navy);font-weight:700;padding:15px 30px;border-radius:10px;border:none;cursor:pointer;font-size:16px;font-family:'Inter',sans-serif;transition:background .15s,transform .15s;white-space:nowrap}
.btn:hover{background:var(--cta-dark);transform:translateY(-1px)}
.btn-lg{padding:18px 38px;font-size:17px}
.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.13em;text-transform:uppercase;font-size:13px;margin-bottom:14px}
.stars{color:var(--gold);letter-spacing:2px;font-size:16px}
.sec-head{text-align:center;max-width:680px;margin:0 auto 54px}
.sec-head h2{font-size:34px;margin-bottom:14px}
.sec-head p{color:var(--muted);font-size:18px}

header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;flex-direction:column;line-height:1.05}
.brand b{font-family:'Poppins',sans-serif;font-weight:700;color:var(--navy);font-size:18px}
.brand small{font-size:10.5px;font-weight:600;color:var(--gold);letter-spacing:.16em;text-transform:uppercase;margin-top:3px}
.nav-links{display:flex;gap:28px;font-weight:500;font-size:15px}
.nav-links a:hover{color:var(--navy)}
.nav-right{display:flex;align-items:center;gap:20px}
.nav-phone{font-family:'Poppins',sans-serif;font-weight:700;color:var(--navy);font-size:18px}
@media(max-width:900px){.nav-links,.nav-phone{display:none}}

.hero{background:linear-gradient(180deg,#fff 0%,var(--soft) 100%);padding:72px 0 80px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:48px;line-height:1.08;margin-bottom:20px}
.hero h1 em{color:var(--gold);font-style:normal}
.hero .sub{font-size:20px;color:var(--muted);margin-bottom:26px;max-width:520px}
.checks{list-style:none;display:flex;flex-direction:column;gap:11px;margin-bottom:28px}
.checks li{display:flex;align-items:flex-start;gap:11px;font-size:16.5px;font-weight:500}
.checks svg{flex:none;width:22px;height:22px;color:var(--navy);margin-top:1px}
.hero-rate{display:flex;align-items:center;gap:12px;color:var(--muted);font-size:15px;font-weight:500}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:36px}.hero h1{font-size:36px}}

.card-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:30px}
.card-form h3{font-size:22px;margin-bottom:6px}
.card-form p.small{font-size:14px;color:var(--muted);margin-bottom:20px}
.card-form input{width:100%;padding:14px 15px;border:1px solid var(--line);border-radius:10px;font-size:16px;margin-bottom:13px;font-family:inherit;background:#fdfdfe}
.card-form select{width:100%;padding:14px 15px;border:1px solid var(--line);border-radius:10px;font-size:16px;margin-bottom:13px;font-family:inherit;background:#fdfdfe;color:var(--ink)}
.card-form input:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(22,51,92,.12)}
.card-form .btn{width:100%}
.card-form .note{font-size:12.5px;color:var(--muted);margin-top:12px;text-align:center}

.fstep label{display:block;font-family:'Poppins',sans-serif;font-weight:600;color:var(--navy);margin-bottom:9px;font-size:16.5px}
.fstep .btn{width:100%;margin-top:2px}
.fstep .back{background:none;border:none;color:var(--muted);font-size:13px;cursor:pointer;margin-top:10px;display:block;width:100%;font-family:'Inter',sans-serif}
.progress{height:5px;background:var(--line);border-radius:4px;margin-top:16px;overflow:hidden}
.progress span{display:block;height:100%;width:25%;background:var(--cta);transition:width .25s}
.stepcount{font-size:12px;color:var(--muted);margin-top:8px;text-align:center}
.form-trust{display:flex;align-items:center;justify-content:center;gap:22px;margin-top:16px;flex-wrap:wrap;border-top:1px solid var(--line);padding-top:16px}
.form-trust .fs{display:flex;flex-direction:column;line-height:1.1}
.form-trust .fs .s{color:var(--gold);font-size:14px;letter-spacing:1px}
.form-trust .fs .t{font-size:11px;color:var(--muted);font-weight:600}
.form-trust img{height:44px;width:auto;border:0}


.strip{border-bottom:1px solid var(--line);background:#fff}
.strip .wrap{display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;padding:22px 24px;color:var(--muted);font-size:15px;font-weight:500;text-align:center}
.strip b{color:var(--navy);font-weight:700}

.seenin{background:#fff;border-bottom:1px solid var(--line);padding:22px 0}
.seenin .wrap{display:flex;align-items:center;justify-content:center;gap:28px;flex-wrap:wrap}
.tl{display:flex;align-items:center;gap:10px}
.tl .lbl{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.seenin img{height:54px;width:auto}
.seenin .divider{width:1px;height:44px;background:var(--line)}
.gr{display:flex;flex-direction:column;line-height:1.15}
.gr .s{color:var(--gold);font-size:16px;letter-spacing:1px}
.gr .t{font-size:12.5px;color:var(--muted);font-weight:600}
.gbadge{display:inline-flex;flex-direction:column;align-items:center;gap:1px;line-height:1}
.gword{font-family:'Poppins','Arial',sans-serif;font-weight:700;font-size:27px;letter-spacing:-.5px}
.grev{display:flex;align-items:center;gap:5px;margin-top:3px}
.gstars{color:#FBBC05;font-size:17px;letter-spacing:1px}
.gnum{font-size:14px;color:var(--muted);font-weight:600}

.fallback{font-family:'Poppins',sans-serif;font-weight:700;color:var(--navy);font-size:18px}
@media(max-width:640px){.seenin{padding:20px 0}.seenin .wrap{gap:24px 28px}.seenin .divider{display:none}.seenin img{height:48px}.gword{font-size:25px}.form-trust img{height:42px}}


.stats{background:var(--soft)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;text-align:center}
.stat b{font-family:'Poppins',sans-serif;display:block;font-size:38px;color:var(--navy);font-weight:700;line-height:1}
.stat span{display:block;margin-top:8px;color:var(--muted);font-size:15px}
@media(max-width:900px){.stats .wrap{grid-template-columns:1fr 1fr;gap:32px 20px}}

.opts{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.opt{border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;background:#fff;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.opt:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.opt.feature{border-color:var(--navy);box-shadow:var(--shadow);position:relative}
.opt.feature::after{content:"Most popular";position:absolute;top:-12px;left:30px;background:var(--gold);color:#fff;font-size:12px;font-weight:700;padding:4px 12px;border-radius:20px;font-family:'Inter',sans-serif}
.opt .ic{width:48px;height:48px;border-radius:12px;background:var(--soft);display:flex;align-items:center;justify-content:center;color:var(--navy);margin-bottom:18px}
.opt .ic svg{width:26px;height:26px}
.opt h3{font-size:22px;margin-bottom:8px}
.opt .desc{color:var(--muted);font-size:15px;margin-bottom:18px}
.opt ul{list-style:none;display:flex;flex-direction:column;gap:10px;font-size:15px;margin-bottom:26px}
.opt ul li{display:flex;gap:9px;align-items:flex-start}
.opt ul svg{flex:none;width:19px;height:19px;color:var(--gold);margin-top:3px}
.opt .btn{margin-top:auto;text-align:center}
@media(max-width:900px){.opts{grid-template-columns:1fr}}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.step{text-align:center}
.step .n{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px}
.step h4{font-size:19px;margin-bottom:8px}
.step p{color:var(--muted);font-size:15.5px}
@media(max-width:900px){.steps{grid-template-columns:1fr;gap:34px}}

.situations{background:var(--soft)}
.sit{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.sit .c{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;border-top:3px solid var(--gold)}
.sit .c h4{font-size:16.5px;margin-bottom:6px}
.sit .c p{font-size:14px;color:var(--muted);line-height:1.55}
@media(max-width:900px){.sit{grid-template-columns:1fr 1fr;gap:16px}}
@media(max-width:560px){.sit{grid-template-columns:1fr}}

.prose{max-width:760px;margin:0 auto}
.prose h2{font-size:28px;margin:36px 0 14px}
.prose h3{font-size:20px;margin:26px 0 10px}
.prose p{margin:14px 0;font-size:16.5px;color:var(--ink)}
.prose ul{margin:14px 0 14px 22px}
.prose li{margin:7px 0;font-size:16.5px}
.prose .lead{font-size:19px;color:var(--muted)}

.ctable{width:100%;border-collapse:collapse;font-size:15.5px;max-width:840px;margin:24px auto;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.ctable th,.ctable td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line)}
.ctable thead th{background:var(--navy);color:#fff;font-family:'Poppins',sans-serif;font-weight:600;font-size:15px}
.ctable td:first-child{font-weight:600}
.ctable .us{color:var(--navy);font-weight:700}
.ctable tbody tr:last-child td{border-bottom:none}
.ctable tbody tr:nth-child(even){background:var(--soft)}

.faq{max-width:820px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:12px;padding:2px 22px;margin-bottom:14px;background:#fff}
.faq summary{font-family:'Poppins',sans-serif;font-weight:600;color:var(--navy);font-size:17px;padding:18px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-weight:700;font-size:22px}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--muted);padding:0 0 18px;font-size:15.5px}

.band{background:linear-gradient(rgba(15,36,64,.78),rgba(15,36,64,.78)),url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1600&q=80') center/cover;color:#fff;text-align:center}
.band h2{color:#fff;font-size:32px;margin-bottom:14px}
.band p{color:#dde6f2;font-size:18px;margin-bottom:26px;max-width:560px;margin-left:auto;margin-right:auto}
.band .btn{background:var(--cta);color:var(--navy)}
.band .btn:hover{background:var(--cta-dark)}

.final{background:var(--soft)}
.final-grid{display:grid;grid-template-columns:1fr .9fr;gap:48px;align-items:center}
.final h2{font-size:32px;margin-bottom:14px}
.final p{color:var(--muted);font-size:17px;margin-bottom:20px}
@media(max-width:900px){.final-grid{grid-template-columns:1fr;gap:30px}}

footer{background:var(--navy2);color:#a9b7cb;padding:56px 0 30px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:36px;margin-bottom:30px}
footer h4{color:#fff;font-size:15px;margin-bottom:14px;font-family:'Poppins',sans-serif}
footer a{display:block;color:#a9b7cb;padding:4px 0}
footer a:hover{color:#fff}
footer .brand-f b{color:#fff;font-family:'Poppins',sans-serif;font-size:18px;display:block;margin-bottom:8px}
.areas{columns:2;font-size:14px}
.legal{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;color:#7e8ea2;font-size:12.5px;line-height:1.6}

.mbar{display:none}
@media(max-width:900px){
  .mbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;box-shadow:0 -4px 20px rgba(15,36,64,.18)}
  .mbar a{flex:1;text-align:center;padding:16px 8px;font-weight:700;font-size:16px;color:#fff;font-family:'Poppins',sans-serif}
  .mbar .c{background:var(--navy)}
  .mbar .o{background:var(--cta);color:var(--navy)}
  body{padding-bottom:60px}
}
@media(max-width:640px){
  section{padding:52px 0}
  .wrap{padding:0 18px}
  .nav{padding:12px 16px}
  .nav-right .btn{display:none}
  .brand img{height:46px!important}
  .brand b{font-size:15px!important}
  .brand small{font-size:8px!important;letter-spacing:.12em!important}
  .hero{padding:38px 0 46px}
  .hero h1{font-size:31px}
  .brand-tag{font-size:18px;margin-bottom:14px}
  .hero .sub{font-size:17px}
  .sec-head{margin-bottom:34px}
  .sec-head h2{font-size:26px}
  .sec-head p{font-size:16px}
  .stat b{font-size:32px}
  .card-form{padding:22px}
  .prose h2{font-size:24px}
  .ctable{font-size:11.5px}
  .ctable th,.ctable td{padding:8px 7px}
  .band h2,.final h2{font-size:27px}
  .buyer{gap:24px}
  .foot-grid{grid-template-columns:1fr;gap:24px}
}

.nav{gap:28px}
.nav-links a{white-space:nowrap}
.nav-phone{white-space:nowrap}

.areas span{display:block;padding:4px 0}

/* ===== ysreg-v2-propagated (punchy form, avatar, call bar, mobile photo-hero) ===== */
.card-form{background:linear-gradient(180deg,#2547ad 0%,var(--navy2) 100%);border:1px solid rgba(255,255,255,.12);border-top:5px solid var(--gold);box-shadow:0 26px 60px rgba(15,36,64,.42),0 6px 16px rgba(15,36,64,.28)}
.card-form h3{color:#fff}
.card-form p.small{color:#ccd6f2}
.fstep label{color:#fff}
.card-form input,.card-form select{background:#fff;border:2px solid transparent}
.card-form input:focus,.card-form select:focus{border-color:var(--sun);box-shadow:0 0 0 3px rgba(248,173,50,.4)}
.card-form .note,.stepcount{color:#ccd6f2}
.fstep .back{color:#aab8e6}
.progress{background:rgba(255,255,255,.22)}
.form-trust{border-top-color:rgba(255,255,255,.2)}
.form-trust .fs .t{color:#ccd6f2}
.form-trust img{background:#fff;border-radius:6px;padding:4px 6px}
.gnum{color:#fff}
.form-head{display:flex;align-items:center;gap:13px;margin-bottom:16px}
.form-ava{width:56px;height:56px;border-radius:50%;object-fit:cover;border:2px solid var(--sun);flex:none}
.form-head h3{margin:0}
.form-head .small{margin:0;margin-top:3px}
.callbar{display:none}
@media(max-width:900px){.callbar{display:block}.callbar a{display:block;text-align:center;background:#eef1f7;color:var(--navy2);font-weight:600;font-size:13px;padding:7px}.callbar b{color:var(--navy)}}
@media(max-width:900px){
  .hero{position:relative;background:linear-gradient(180deg,rgba(13,22,52,.56) 0%,rgba(13,22,52,.82) 100%),url('founder.jpg');background-size:cover;background-position:center 20%;padding:16px 0 26px}
  .hero .wrap{padding:0 16px}
  .hero .eyebrow{color:#ffd98a;text-shadow:0 1px 6px rgba(0,0,0,.45)}
  .hero h1{color:#fff;font-size:28px;line-height:1.08;text-shadow:0 2px 10px rgba(0,0,0,.5);margin-bottom:8px}
  .hero h1 em{color:var(--sun)}
  .hero .brand-tag,.hero .sub,.hero .checks,.hero .hero-rate{display:none}
  .hero-grid{display:block}
  .card-form{padding:16px;border-color:rgba(255,255,255,.25);box-shadow:0 18px 40px rgba(0,0,0,.45)}
  .card-form h3{font-size:18px}
  .form-trust{gap:10px;flex-wrap:nowrap}
  body{padding-bottom:58px}
}

/* header layout fix 7/13 (visually verified): one row always, graceful tiers */
.nav{max-width:1280px}
.nav-links{gap:20px;font-size:14.5px}
.nav-links a,.nav-phone{white-space:nowrap}
.nav .brand{flex-shrink:0}
.nav .brand b, .nav .brand small{white-space:nowrap}
.nav-right{flex-shrink:0}
.nav-right .btn{white-space:nowrap}
@media(max-width:1250px){.nav-links{gap:14px;font-size:13.5px}}
@media(max-width:1190px){.nav-phone{display:none}}
@media(max-width:1020px){.nav-links{display:none}}