:root {
  --navy: #0D1436;
  --burgundy: #7E223B;
  --teal: #1C8AA8;
  --bg: #F7F9FC;
  --text: #0B1220;
  --muted: #566070;
  --border: #E6EAF2;
  --card: #fff;
  --shadow: 0 18px 60px rgba(13, 20, 54, 0.12);
  --shadow2: 0 12px 40px rgba(13, 20, 54, 0.10);
  --radius: 20px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--bg)}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
.container{width:min(1180px,calc(100% - 40px));margin:0 auto}

.muted{color:var(--muted)}
.small{font-size:12.5px;line-height:1.45}
.strong{font-weight:900}
.mt-12{margin-top:12px}
.mt-18{margin-top:18px}

.topbar{background:linear-gradient(90deg, rgba(13,20,54,0.92), rgba(126,34,59,0.86));color:#fff}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;padding:8px 0;gap:12px}
.topbar-left{display:flex;gap:10px;align-items:center}
.dot{width:10px;height:10px;border-radius:99px;background:rgba(255,255,255,0.9);box-shadow:0 0 0 6px rgba(255,255,255,0.14)}
.topbar-right{display:flex;gap:14px;align-items:center}
.toplink{font-weight:800;font-size:13px;opacity:.95}
.toplink:hover{opacity:1;text-decoration:underline}

.site-header{position:sticky;top:0;z-index:50;background:rgba(247,249,252,.9);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;justify-content:space-between;align-items:center;padding:14px 0;gap:16px}
.brand-logo{height:46px}

.nav{position:relative}
.nav-toggle{display:none;border:1px solid var(--border);background:#fff;border-radius:14px;padding:10px}
.nav-toggle span{display:block;width:18px;height:2px;background:var(--navy);margin:4px 0;border-radius:2px}
.nav-links{display:flex;align-items:center;gap:18px}
.nav-links>a,.nav-dd-btn{font-weight:900;font-size:14px;color:#1a2234;opacity:.92}
.nav-links>a:hover,.nav-dd-btn:hover{opacity:1}
.nav-dd{position:relative}
.nav-dd-btn{background:transparent;border:0;cursor:pointer;display:flex;align-items:center;gap:8px;padding:10px 8px;border-radius:12px}
.nav-dd-panel{position:absolute;top:46px;left:0;background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow2);padding:10px;min-width:220px;display:none}
.nav-dd-panel a{display:block;padding:10px 10px;border-radius:12px;font-weight:800;font-size:14px}
.nav-dd-panel a:hover{background:rgba(13,20,54,0.05)}
.chev{font-size:12px;opacity:.75}

.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 16px;border-radius:16px;font-weight:900;border:1px solid transparent;transition:transform .06s ease, box-shadow .2s ease}
.btn:active{transform:translateY(1px)}
.btn-lg{padding:14px 18px;border-radius:18px}
.btn-sm{padding:10px 12px;border-radius:14px}
.btn-primary{background:linear-gradient(135deg,var(--navy),#101c4a);color:#fff}
.btn-primary:hover{box-shadow:var(--shadow)}
.btn-ghost{background:#fff;border-color:var(--border)}
.btn-ghost:hover{box-shadow:var(--shadow2)}
.w-100{width:100%}

.hero{position:relative;padding:56px 0 24px;overflow:hidden}
.hero-bg{position:absolute;inset:0;pointer-events:none}
.blob{position:absolute;filter:blur(40px);opacity:.55;border-radius:999px}
.blob-1{width:520px;height:520px;left:-160px;top:-120px;background:rgba(28,138,168,.35)}
.blob-2{width:560px;height:560px;right:-220px;top:-160px;background:rgba(126,34,59,.28)}
.gridlines{position:absolute;inset:-80px;background:
  linear-gradient(rgba(13,20,54,0.06) 1px, transparent 1px),
  linear-gradient(90deg, rgba(13,20,54,0.06) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(closest-side at 30% 20%, #000 30%, transparent 75%);
  opacity:.35
}

.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:26px;align-items:start}
.hero h1{margin:10px 0 12px;font-size:clamp(34px,3.3vw,54px);line-height:1.02;letter-spacing:-.03em}
.lead{font-size:17px;line-height:1.7;margin:0 0 18px;max-width:64ch}
.lead2{font-size:15.5px;line-height:1.7;margin-top:10px;max-width:76ch}

.badge-row{display:flex;gap:10px;flex-wrap:wrap}
.badge{background:#fff;border:1px solid var(--border);padding:8px 12px;border-radius:999px;font-weight:900;font-size:12px}
.badge-soft{background:rgba(255,255,255,.6)}

.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:10px}

.trustbar{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.trust{background:rgba(255,255,255,.85);border:1px solid var(--border);border-radius:18px;padding:14px;display:flex;gap:12px;align-items:center;box-shadow:0 12px 30px rgba(13,20,54,0.06)}
.trust-icon{width:36px;height:36px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:rgba(28,138,168,.12);border:1px solid rgba(28,138,168,.25);font-weight:900}
.trust-v{font-weight:900;color:var(--navy)}

.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:18px;box-shadow:0 12px 34px rgba(13,20,54,0.06)}
.glass{background:rgba(255,255,255,.75);backdrop-filter: blur(12px)}
.card-top{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}
.kicker{font-weight:900;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:rgba(13,20,54,.68)}
.chip{background:rgba(13,20,54,.06);border:1px solid var(--border);padding:6px 10px;border-radius:999px;font-weight:900;font-size:12px}
.chip-dark{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.22);color:#fff}
.divider{height:1px;background:var(--border);margin:14px 0}

.label{display:block;font-weight:900;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#2a3448;margin-bottom:8px}
.input,.textarea{width:100%;border:1px solid var(--border);border-radius:16px;padding:12px 12px;font:inherit;background:#fff}
.textarea{resize:vertical}

.calc-mini .mini-results{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:12px 0}
.mini-box{background:rgba(13,20,54,.02);border:1px solid var(--border);border-radius:18px;padding:14px}
.mini-big{font-weight:900;color:var(--navy);font-size:22px;margin-top:6px}

.list{display:grid;gap:10px}
.li{display:flex;gap:10px;align-items:center;font-weight:800}
.li .dot{width:10px;height:10px;background:rgba(126,34,59,.9);box-shadow:0 0 0 6px rgba(126,34,59,.14)}

.section{padding:64px 0}
.section.alt{background:linear-gradient(180deg, rgba(13,20,54,0.03), rgba(13,20,54,0.00));border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.section-head h2{margin:0;font-size:30px;letter-spacing:-.02em}

.cards{display:grid;gap:14px}
.cards-3{grid-template-columns:repeat(3,1fr)}
.cards-2{grid-template-columns:repeat(2,1fr)}
.card-link{position:relative;overflow:hidden}
.card-link:hover{transform:translateY(-2px);box-shadow:var(--shadow);transition:transform .12s ease, box-shadow .2s ease}
.icon-circle{width:44px;height:44px;border-radius:18px;display:flex;align-items:center;justify-content:center;background:rgba(126,34,59,.10);border:1px solid rgba(126,34,59,.20);font-weight:900;margin-bottom:12px}
.cta-link{font-weight:900;color:var(--navy)}

.split{display:grid;grid-template-columns:1.1fr .9fr;gap:18px;align-items:start}
.steps{display:grid;gap:12px;margin-top:18px}
.step{display:grid;grid-template-columns:44px 1fr;gap:12px;align-items:start}
.step-n{width:44px;height:44px;border-radius:16px;background:rgba(13,20,54,.06);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-weight:900;color:var(--navy)}
.step-h{font-weight:900}

.review-card{background:linear-gradient(135deg, rgba(13,20,54,.92), rgba(126,34,59,.86));color:#fff;border-radius:26px;padding:22px;box-shadow:var(--shadow)}
.review-top{display:flex;justify-content:space-between;gap:10px;align-items:center}
.stars{letter-spacing:.14em}
.review-quote{font-size:18px;line-height:1.65;margin:14px 0 18px}
.review-meta{display:flex;gap:12px;align-items:center}
.avatar{width:44px;height:44px;border-radius:999px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.22)}

.cta-band{background:linear-gradient(135deg, rgba(13,20,54,.94), rgba(13,20,54,.82));border-radius:28px;padding:24px;color:#fff;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;box-shadow:var(--shadow)}
.cta-actions{display:flex;gap:10px;flex-wrap:wrap}

.page-hero{padding:44px 0 22px;background:radial-gradient(760px 360px at 10% 10%, rgba(28,138,168,.14), transparent 60%);border-bottom:1px solid var(--border)}
.page-hero h1{margin:10px 0 0;font-size:44px;letter-spacing:-.03em}
.crumbs{display:flex;gap:10px;align-items:center;color:rgba(13,20,54,.66);font-weight:800;font-size:13px;margin-bottom:10px}
.crumbs span{opacity:.9}
.crumbs a:hover{text-decoration:underline}

.form.wide{max-width:880px;margin:0 auto}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.grid-2 .full{grid-column:1/-1}

.choice{display:flex;align-items:center;justify-content:center;border:1px solid var(--border);border-radius:18px;padding:16px;font-weight:900;background:#fff;box-shadow:0 10px 26px rgba(13,20,54,0.05)}
.choice:hover{box-shadow:var(--shadow2);transform:translateY(-1px)}
.progress{height:8px;background:rgba(13,20,54,.06);border-radius:999px;overflow:hidden;margin-top:18px}
.progress span{display:block;height:100%;background:linear-gradient(90deg, var(--teal), rgba(126,34,59,.85));width:50%}

.timeline{display:grid;gap:12px}
.t-item{display:grid;grid-template-columns:44px 1fr;gap:12px}
.t-step{width:44px;height:44px;border-radius:16px;background:rgba(13,20,54,.06);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-weight:900;color:var(--navy)}

.info-box{background:rgba(126,34,59,.06);border:1px solid rgba(126,34,59,.18);border-radius:22px;padding:18px}

.accordion .acc-item{background:#fff;border:1px solid var(--border);border-radius:18px;margin-bottom:10px;overflow:hidden}
.acc-btn{width:100%;text-align:left;background:transparent;border:0;padding:16px 16px;font-weight:900;font-size:16px;display:flex;justify-content:space-between;cursor:pointer}
.acc-btn::after{content:"+";font-weight:900;color:var(--burgundy)}
.acc-btn[aria-expanded="true"]::after{content:"–"}
.acc-panel{padding:0 16px 16px;display:none}

.table-wrap{overflow:auto}
table.cmp{width:100%;border-collapse:separate;border-spacing:0;min-width:720px}
table.cmp th, table.cmp td{padding:14px;border-bottom:1px solid var(--border)}
table.cmp th{text-align:left;font-weight:900;background:rgba(13,20,54,.03)}
table.cmp tr:last-child td{border-bottom:none}
table.cmp td:first-child{font-weight:900}

.slider-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px}
.slides{display:flex;gap:12px;overflow:hidden}
.slide{min-width:100%;padding:6px 4px}
.slide .review-quote{color:var(--text)}

.links{margin:10px 0 0;padding-left:18px}
.links li{margin:8px 0}
.links a:hover{text-decoration:underline}

.callout{font-weight:900;color:var(--navy)}

.site-footer{margin-top:56px;background:#0b1026;color:rgba(255,255,255,.92)}
.footer-cta{padding:26px 0 0}
.footer-cta-inner{background:linear-gradient(135deg, rgba(255,255,255,.10), rgba(255,255,255,.05));border:1px solid rgba(255,255,255,.16);border-radius:28px;padding:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.footer-cta h2{margin:8px 0 10px}
.footer-cta-actions{display:flex;gap:10px;flex-wrap:wrap}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.1fr;gap:18px;padding:34px 0}
.site-footer a{color:rgba(255,255,255,.92);opacity:.95}
.site-footer a:hover{opacity:1;text-decoration:underline}
.footer-logo{height:44px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding:14px 0 26px;display:grid;gap:8px}
.mini-badges{margin-top:14px;display:flex;flex-wrap:wrap;gap:8px}
.pill{display:inline-flex;align-items:center;justify-content:center;padding:8px 10px;border-radius:999px;font-weight:900;font-size:12px;border:1px solid var(--border);background:#fff;color:var(--text)}
.pill.dark{background:rgba(255,255,255,.10);border-color:rgba(255,255,255,.18);color:#fff}

@media (max-width: 980px){
  .hero-grid,.split{grid-template-columns:1fr}
  .cards-3{grid-template-columns:1fr}
  .cards-2{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .trustbar{grid-template-columns:1fr}
}
@media (max-width: 720px){
  .nav-toggle{display:inline-flex}
  .nav-links{
    position:absolute;right:0;top:56px;background:#fff;border:1px solid var(--border);
    border-radius:18px;padding:12px;display:none;flex-direction:column;align-items:stretch;min-width:260px;
    box-shadow:var(--shadow2)
  }
  .nav-links>a,.nav-dd-btn{padding:10px 10px}
  .nav-dd-panel{position:static;display:none;border:0;box-shadow:none;padding:0;margin-top:6px}
  .nav-dd-panel a{padding:10px 10px}
  .grid-2{grid-template-columns:1fr}
}


/* Americor-style hero background for inner pages */
.page-hero{
  position: relative;
  overflow: hidden;
}
.page-hero .page-hero-bg{
  position:absolute;
  inset:0;
  pointer-events:none;
}
.page-hero .page-hero-bg .blob{
  position:absolute;
  filter: blur(46px);
  opacity:.55;
  border-radius: 999px;
}
.page-hero .page-hero-bg .blob-a{
  width:520px;height:520px;left:-200px;top:-220px;
  background: rgba(28,138,168,.34);
}
.page-hero .page-hero-bg .blob-b{
  width:560px;height:560px;right:-240px;top:-240px;
  background: rgba(126,34,59,.26);
}
.page-hero .page-hero-bg .gridlines{
  position:absolute;
  inset:-90px;
  background:
    linear-gradient(rgba(13,20,54,0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(13,20,54,0.06) 1px, transparent 1px);
  background-size: 52px 52px;
  mask-image: radial-gradient(closest-side at 25% 25%, #000 32%, transparent 78%);
  opacity:.32;
}
.page-hero .hero-card-row{
  margin-top: 18px;
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}
.page-hero .hero-card{
  background: rgba(255,255,255,.80);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 14px;
  box-shadow: 0 12px 30px rgba(13,20,54,0.06);
}
.page-hero .hero-card .k{
  font-weight: 900;
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(13,20,54,.68);
}
.page-hero .hero-card .v{
  margin-top: 8px;
  font-weight: 900;
  color: var(--navy);
  font-size: 16px;
}
@media (max-width: 980px){
  .page-hero .hero-card-row{ grid-template-columns: 1fr; }
}