:root{
  --navy:#16233f;
  --navy-2:#1f3563;
  --blue:#2f6fd6;
  --sky:#3d95dc;
  --ink:#0f172a;
  --text:#475569;
  --muted:#64748b;
  --line:#e2e8f0;
  --bg:#f5f7fb;
  --white:#ffffff;
  --radius:16px;
  --shadow:0 10px 30px rgba(15,23,42,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Open Sans',system-ui,sans-serif;color:var(--text);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;color:var(--ink);line-height:1.2}
a{color:inherit;text-decoration:none}
img,svg{display:block}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
section{padding:88px 0}
.eyebrow{display:inline-block;font-family:'Poppins';font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}
.section-head{max-width:680px;margin-bottom:48px}
.section-head h2{font-size:clamp(28px,4vw,40px);margin-bottom:14px}
.section-head p{font-size:17px}
.center{text-align:center;margin-left:auto;margin-right:auto}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:'Poppins';font-weight:600;font-size:15px;padding:13px 26px;border-radius:999px;border:0;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(47,111,214,.3)}
.btn-primary:hover{transform:translateY(-2px);background:#255fc0}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.7)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}

/* ---------- Top data bar ---------- */
.topbar{background:#0d0d0d;color:#cbd5e1;font-size:13px}
.topbar .container{display:flex;align-items:center;justify-content:flex-end;gap:12px;min-height:36px;flex-wrap:wrap}
.topbar .rate-pill{font-family:'Poppins';font-weight:500;color:#fff}
.topbar .rate-pill span{color:#7dd3fc}

/* ---------- Header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:10px}
.brand-text{font-family:'Poppins';font-weight:700;font-size:15px;line-height:1.1;color:var(--navy)}
.brand-text small{display:block;font-weight:600;color:var(--blue);font-size:12px;letter-spacing:.04em}
.menu{display:flex;gap:28px;list-style:none;font-family:'Poppins';font-size:14px;font-weight:500;color:#334155}
.menu a{padding:6px 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}
.menu a:hover{color:var(--blue);border-color:var(--blue)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-cta .btn{padding:10px 20px;font-size:14px}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 45%,var(--sky) 100%);color:#fff;padding:96px 0 110px;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto -10% -40% auto;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.12),transparent 65%)}
.hero .container{position:relative;z-index:1;text-align:center}
.hero h1{color:#fff;font-size:clamp(36px,6vw,62px);font-weight:800;margin-bottom:18px}
.hero p.lead{font-size:clamp(16px,2vw,19px);color:#dbe7f7;max-width:620px;margin:0 auto 34px}
.search{background:#fff;border-radius:18px;padding:10px;display:grid;grid-template-columns:1.1fr 1.6fr 1fr auto;gap:8px;max-width:860px;margin:0 auto;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.search select,.search input{width:100%;border:1px solid var(--line);border-radius:12px;padding:14px 16px;font:500 15px 'Poppins';color:var(--ink);background:#f8fafc;outline:none}
.search select:focus,.search input:focus{border-color:var(--blue);background:#fff}
.search .btn{border-radius:12px;padding:14px 28px}
.hero-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;max-width:860px;margin:44px auto 0}
.hero-card{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:22px 18px;text-align:center;transition:background .2s,transform .2s}
.hero-card:hover{background:rgba(255,255,255,.2);transform:translateY(-3px)}
.hero-card h3{color:#fff;font-size:18px;margin-bottom:6px}
.hero-card p{color:#dbe7f7;font-size:14px}

/* ---------- Market snapshot ---------- */
.market{background:var(--bg)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.stat{background:#fff;border-radius:var(--radius);padding:28px 24px;box-shadow:var(--shadow);border:1px solid var(--line)}
.stat .label{font-size:14px;color:var(--muted);font-weight:600}
.stat .value{font-family:'Poppins';font-size:34px;font-weight:700;color:var(--navy);margin:6px 0}
.stat .note{font-size:13px}
.up{color:#15803d;font-weight:600}
.down{color:#b91c1c;font-weight:600}
.regions{margin-top:28px;background:#fff;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow);overflow:hidden}
.regions table{width:100%;border-collapse:collapse;font-size:15px}
.regions th,.regions td{text-align:left;padding:16px 22px;border-bottom:1px solid var(--line)}
.regions th{font-family:'Poppins';font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);background:#f8fafc}
.regions tr:last-child td{border-bottom:0}
.regions td strong{color:var(--ink);font-family:'Poppins';font-weight:600}
.source{font-size:13px;color:var(--muted);margin-top:18px}
.source a{color:var(--blue);text-decoration:underline}

/* ---------- Services ---------- */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.service{border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;transition:box-shadow .2s,transform .2s;background:#fff}
.service:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.icon{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy-2),var(--sky));margin-bottom:20px}
.service h3{font-size:21px;margin-bottom:10px}
.service ul{list-style:none;margin-top:16px}
.service li{position:relative;padding-left:24px;margin-bottom:8px;font-size:15px}
.service li::before{content:"";position:absolute;left:0;top:8px;width:12px;height:7px;border-left:2px solid var(--blue);border-bottom:2px solid var(--blue);transform:rotate(-45deg)}

/* ---------- Calculator ---------- */
.calc-wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:stretch}
.calc-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.field{margin-bottom:20px}
.field label{display:flex;justify-content:space-between;font-family:'Poppins';font-weight:500;font-size:14px;color:var(--ink);margin-bottom:8px}
.field label output{color:var(--blue);font-weight:600}
.field input[type=number]{width:100%;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font:500 15px 'Poppins';color:var(--ink)}
.field input[type=range]{width:100%;accent-color:var(--blue)}
.calc-result{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:var(--radius);padding:36px 32px;display:flex;flex-direction:column;justify-content:center}
.calc-result .big{font-family:'Poppins';font-size:48px;font-weight:800;margin:8px 0 18px;color:#fff}
.calc-result .row{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.15);font-size:15px;color:#dbe7f7}
.calc-result .row b{color:#fff;font-family:'Poppins';font-weight:600}
.calc-result small{margin-top:16px;color:#a9bad6;font-size:12px}

/* ---------- Process ---------- */
.process{background:var(--bg)}
.tabs{display:flex;gap:10px;justify-content:center;margin-bottom:36px}
.tab{font-family:'Poppins';font-weight:600;font-size:15px;padding:11px 26px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--ink);cursor:pointer}
.tab.active{background:var(--blue);border-color:var(--blue);color:#fff}
.steps{display:none;grid-template-columns:repeat(4,1fr);gap:20px}
.steps.show{display:grid}
.step{background:#fff;border-radius:var(--radius);padding:28px 24px;border:1px solid var(--line)}
.step .num{font-family:'Poppins';font-size:14px;font-weight:700;color:var(--blue);background:#e8f0fd;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;margin-bottom:16px}
.step h4{font-size:17px;margin-bottom:8px}
.step p{font-size:14.5px}

/* ---------- Why ---------- */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.why-list{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.why-item h4{font-size:16px;margin-bottom:6px;display:flex;align-items:center;gap:10px}
.why-item h4::before{content:"";width:10px;height:10px;border-radius:3px;background:var(--blue);flex:none}
.why-item p{font-size:14.5px}
.why-visual{background:linear-gradient(135deg,var(--navy) 0%,var(--sky) 100%);border-radius:22px;padding:40px;color:#fff;position:relative;overflow:hidden}
.why-visual h3{color:#fff;font-size:26px;margin-bottom:12px}
.why-visual p{color:#dbe7f7}
.why-visual .kpis{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}
.why-visual .kpi{background:rgba(255,255,255,.12);border-radius:12px;padding:16px}
.why-visual .kpi b{display:block;font-family:'Poppins';font-size:24px;color:#fff}
.why-visual .kpi span{font-size:13px;color:#dbe7f7}

/* ---------- Contact ---------- */
.contact{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,var(--sky) 130%);color:#fff}
.contact .section-head h2,.contact .section-head p{color:#fff}
.contact .eyebrow{color:#7dd3fc}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.contact-points{list-style:none}
.contact-points li{display:flex;gap:14px;margin-bottom:22px;color:#dbe7f7}
.contact-points li b{display:block;color:#fff;font-family:'Poppins'}
.contact-points .dot{flex:none;width:40px;height:40px;border-radius:12px;background:rgba(255,255,255,.14);display:grid;place-items:center}
form.lead{background:#fff;border-radius:var(--radius);padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:16px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
form.lead .full{grid-column:1/-1}
form.lead label{display:block;font-family:'Poppins';font-weight:500;font-size:13px;color:var(--ink);margin-bottom:6px}
form.lead input,form.lead select,form.lead textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font:400 15px 'Open Sans';color:var(--ink);background:#f8fafc;outline:none}
form.lead input:focus,form.lead select:focus,form.lead textarea:focus{border-color:var(--blue);background:#fff}
form.lead textarea{min-height:110px;resize:vertical}
.form-msg{grid-column:1/-1;font-size:14px;color:#15803d;display:none}

/* ---------- Footer ---------- */
footer{background:#0b1222;color:#94a3b8;padding-top:64px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;padding-bottom:48px}
footer h4{color:#fff;font-size:15px;margin-bottom:16px}
footer ul{list-style:none}
footer li{margin-bottom:10px}
footer a:hover{color:#fff}
footer .brand-text{color:#fff}
footer .about{margin-top:16px;max-width:320px}
.credit-bar{background:#0d0d0d;border-top:1px solid #1e293b}
.credit-bar .container{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;min-height:58px;padding-top:12px;padding-bottom:12px;font-size:13.5px}
.credit-bar a.credit{color:#94a3b8}
.credit-bar a.credit:hover{color:#fff}

/* ---------- Responsive ---------- */
@media (max-width:1000px){
  .stats{grid-template-columns:repeat(2,1fr)}
  .services-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .calc-wrap,.why-grid,.contact-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .menu{display:none;position:absolute;top:72px;left:0;right:0;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 16px}
  .menu.open{display:flex}
  .menu a{display:block;padding:12px 0;border-bottom:1px solid var(--line)}
  .burger{display:block}
  .nav-cta .btn{display:none}
  .search{grid-template-columns:1fr 1fr}
  .search .btn{grid-column:1/-1}
}
@media (max-width:600px){
  section{padding:64px 0}
  .hero{padding:64px 0 76px}
  .hero-cards,.stats,.services-grid,.steps,.why-list,.foot-grid{grid-template-columns:1fr}
  .search{grid-template-columns:1fr}
  form.lead{grid-template-columns:1fr;padding:24px}
  .regions th,.regions td{padding:12px 14px;font-size:14px}
  .regions .hide-sm{display:none}
  .calc-result .big{font-size:40px}
  
  .tabs{flex-wrap:wrap}
}

/* ---------- multi-page additions ---------- */
.menu a.active{color:var(--blue);border-color:var(--blue)}
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 55%,var(--sky) 130%);color:#fff;padding:72px 0 64px}
.page-hero h1{color:#fff;font-size:clamp(32px,5vw,52px);font-weight:800;margin:10px 0 14px;max-width:900px}
.page-hero p{color:#dbe7f7;font-size:18px;max-width:700px}
.crumbs{font-size:13px;color:#a9bad6;margin-bottom:6px}
.crumbs a{color:#dbe7f7;text-decoration:underline}
.page-hero .eyebrow{color:#7dd3fc}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff;display:flex;flex-direction:column;gap:10px;transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-4px)}
.card .tag{font-family:'Poppins';font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}
.card h3{font-size:20px}
.card p{font-size:15px;flex:1}
.card .more{font-family:'Poppins';font-weight:600;font-size:14px;color:var(--blue)}
.prose{max-width:780px}
.prose h2{font-size:clamp(24px,3vw,30px);margin:40px 0 12px}
.prose h3{font-size:20px;margin:26px 0 8px}
.prose p{margin-bottom:16px;font-size:17px}
.prose ul,.prose ol{margin:0 0 18px 22px;font-size:16.5px}
.prose li{margin-bottom:8px}
.prose a{color:var(--blue);text-decoration:underline}
.prose table{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:15px;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.prose th,.prose td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line)}
.prose th{background:#f8fafc;font-family:'Poppins';font-size:13px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.callout{background:#e8f0fd;border-left:4px solid var(--blue);padding:16px 20px;border-radius:12px;margin:22px 0}
.callout p{margin:0}
.post-meta{color:#a9bad6;font-size:14px;margin-top:6px}
.post-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:52px;align-items:start}
.side{position:sticky;top:96px;display:flex;flex-direction:column;gap:18px}
.side .box{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff}
.side h4{font-size:18px;margin-bottom:10px}
.side ul{list-style:none}
.side li{padding:8px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.side li a:hover{color:var(--blue)}
.faqs details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:12px}
.faqs summary{cursor:pointer;font-family:'Poppins';font-weight:600;color:var(--ink);font-size:16.5px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faqs summary::-webkit-details-marker{display:none}
.faqs summary::after{content:"+";color:var(--blue);font-size:22px;line-height:1}
.faqs details[open] summary::after{content:"−"}
.faqs p{margin-top:10px}
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:64px 0}
.cta-band .row{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;font-size:clamp(24px,3.4vw,34px);margin-bottom:8px}
.cta-band p{color:#dbe7f7}
@media (max-width:1000px){.cards{grid-template-columns:1fr 1fr}.post-layout{grid-template-columns:1fr}.side{position:static}}
@media (max-width:600px){.cards{grid-template-columns:1fr}.page-hero{padding:52px 0 48px}}