@font-face{
  font-family:'Public Sans';
  font-style:normal;
  font-weight:400 900;
  font-display:swap;
  src:url(/assets/fonts/public-sans-v21-latin-roman.woff2) format('woff2');
  unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face{
  font-family:'Public Sans';
  font-style:italic;
  font-weight:400;
  font-display:swap;
  src:url(/assets/fonts/public-sans-v21-latin-italic.woff2) format('woff2');
  unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}


:root{
  --red:#ad1d22;            
  --red-bright:#c1272d;
  --red-dark:#8c1518;
  --red-tint:#fbeeee;
  --navy:#20305f;           
  --navy-deep:#141f44;
  --navy-ink:#0c1330;       
  --navy-glow:#2c3f7d;
  --navy-tint:#eef1f8;
  --ink:#1c2233;
  --slate:#4b5263;
  --cloud:#f6f8fb;
  --line:#e3e8f0;
  --white:#ffffff;
  
  --shadow-sm:0 1px 2px rgba(12,19,48,.07),0 2px 10px rgba(12,19,48,.07);
  --shadow-md:0 2px 4px rgba(12,19,48,.07),0 12px 32px rgba(12,19,48,.12);
  --shadow-lg:0 4px 10px rgba(12,19,48,.10),0 26px 60px rgba(12,19,48,.18);
  --shadow-xl:0 0 0 1px rgba(255,255,255,.10),0 30px 80px rgba(0,0,0,.55);
  --glow-red:0 10px 32px rgba(173,29,34,.55),0 0 64px rgba(214,60,66,.38);
  --radius:16px;
  --radius-lg:22px;
  --font:'Public Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
html{scroll-padding-top:8.5rem} 
body{
  font-family:var(--font);
  color:var(--ink);
  background:var(--white);
  line-height:1.65;
  font-size:1.0625rem;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--red)}
:focus-visible{outline:3px solid var(--red);outline-offset:2px;border-radius:4px}
.on-dark :focus-visible,
.on-dark:focus-visible{outline-color:#ffd7d9}

input::placeholder,textarea::placeholder{color:var(--slate);opacity:1}
strong{font-weight:700}


.container{max-width:1180px;margin:0 auto;padding:0 24px}
.container-narrow{max-width:880px;margin:0 auto;padding:0 24px}
.skip-link{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--navy);color:#fff;padding:.75rem 1.25rem;border-radius:0 0 10px 0;font-weight:600;
}
.skip-link:focus{left:0}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}


.crumbs{font-size:.85rem;color:#bcc7ea;margin-bottom:1rem}
.crumbs a{color:#dfe5f7;font-weight:600}
.crumbs a:hover{color:#fff}
.crumbs .sep,.crumbs .crumb-sep{padding:0 .5rem;color:#7e8cbf}


.stripes{display:block;height:5px;border-radius:3px;width:88px;box-shadow:var(--shadow-sm);background:var(--red)}
.stripes.center{margin:0 auto}


.star-divider{display:flex;align-items:center;gap:14px;justify-content:center;margin:0 0 1.1rem}
.star-divider::before,.star-divider::after{content:"";height:2px;width:54px;border-radius:2px;background:var(--red)}
.hero .star-divider::before,.hero .star-divider::after{background:#d8484e}
.star-divider svg{flex:none}


.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--font);font-weight:700;font-size:1rem;line-height:1.2;
  padding:.9rem 1.7rem;border-radius:999px;border:2px solid transparent;
  text-decoration:none;cursor:pointer;
  transition:transform .15s ease,box-shadow .15s ease,background-color .15s ease,color .15s ease,filter .15s ease;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-primary{
  background:linear-gradient(180deg,var(--red-bright) 0%,var(--red-dark) 100%);
  color:#fff;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.22),0 6px 18px rgba(173,29,34,.38);
}
.btn-primary:hover{
  color:#fff;filter:brightness(1.07);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.22),0 10px 26px rgba(173,29,34,.46);
}
.btn-navy{
  background:linear-gradient(180deg,#2a3d77 0%,var(--navy-deep) 100%);
  color:#fff;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.16),0 6px 16px rgba(20,31,68,.34);
}
.btn-navy:hover{color:#fff;filter:brightness(1.1);box-shadow:inset 0 1px 0 rgba(255,255,255,.16),0 10px 24px rgba(20,31,68,.42)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost{background:rgba(255,255,255,.04);color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:#fff;color:var(--navy-deep);border-color:#fff}
.btn-sm{font-size:.9375rem;padding:.62rem 1.3rem}


.deadline-banner{
  background:linear-gradient(100deg,var(--navy-ink) 0%,var(--navy-deep) 55%,#24356b 100%);
  color:#fff;position:relative;overflow:hidden;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.deadline-banner::before{
  content:"";position:absolute;inset:0 auto 0 0;width:6px;background:linear-gradient(180deg,var(--red-bright),var(--red-dark));
  box-shadow:0 0 18px rgba(193,39,45,.6);
}
.deadline-banner .container{
  display:flex;align-items:center;justify-content:center;flex-wrap:wrap;
  gap:.65rem 1.75rem;padding-top:.6rem;padding-bottom:.6rem;
}
.deadline-label{
  display:flex;align-items:center;gap:.55rem;
  font-weight:800;letter-spacing:.09em;font-size:.8125rem;text-transform:uppercase;
}
.deadline-label .dot{width:8px;height:8px;border-radius:50%;background:#ff8a8e;box-shadow:0 0 10px rgba(255,138,142,.9);animation:pulse 1.6s ease-in-out infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.45;transform:scale(.78)}}
@media (prefers-reduced-motion:reduce){.deadline-label .dot{animation:none}}
.clock{display:flex;align-items:flex-start;gap:.55rem}
.clock .unit{text-align:center;min-width:52px}
.clock .num{
  display:block;background:linear-gradient(180deg,rgba(255,255,255,.16),rgba(255,255,255,.08));
  border:1px solid rgba(255,255,255,.24);
  border-radius:9px;padding:.18rem .3rem;
  font-size:1.15rem;font-weight:800;font-variant-numeric:tabular-nums;line-height:1.3;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.14),0 2px 6px rgba(0,0,0,.25);
}
.clock .lbl{display:block;font-size:.625rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;opacity:.85;margin-top:.22rem}
.clock .colon{font-size:1.15rem;font-weight:800;opacity:.5;padding-top:.18rem}


.clock.mini{gap:.35rem}
.clock.mini .unit{min-width:34px}
.clock.mini .num{background:none;border:none;box-shadow:none;padding:0;font-size:1rem;line-height:1.2}
.clock.mini .lbl{font-size:.5rem;letter-spacing:.1em;margin-top:.05rem}
.clock.mini .colon{font-size:1rem;padding-top:0}
.clock.mini .lbl-short{display:none}


.topbar{background:var(--white);border-bottom:1px solid var(--line)}
.topbar .container{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.5rem;padding-bottom:.5rem}
.topbar-since{display:flex;align-items:center;gap:.5rem;font-size:.8125rem;font-weight:600;color:var(--slate)}
.topbar-since svg{flex:none}
.petition-link{
  display:inline-flex;align-items:center;gap:.4rem;
  font-size:.8125rem;font-weight:800;letter-spacing:.06em;color:var(--red);
  text-decoration:underline;text-decoration-thickness:1.5px;text-underline-offset:3px;
}
.petition-link:hover{color:var(--red-dark)}


.site-header{
  position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);
  backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);
  border-bottom:1px solid var(--line);transition:box-shadow .2s ease;
}
.site-header.scrolled{box-shadow:var(--shadow-md)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:1.25rem;padding-top:.7rem;padding-bottom:.7rem}
.brand{display:inline-flex;align-items:center}
.brand img{height:38px;width:auto}
.main-nav>ul{display:flex;align-items:center;gap:.25rem;list-style:none}
.main-nav a.nav-link{
  display:inline-flex;align-items:center;gap:.35rem;
  font-size:.9375rem;font-weight:600;color:var(--ink);text-decoration:none;
  padding:.55rem .8rem;border-radius:10px;transition:background-color .15s ease,color .15s ease;
}
.main-nav a.nav-link:hover{background:var(--navy-tint);color:var(--navy)}
.main-nav .caret{transition:transform .18s ease}
.has-sub{position:relative}
.has-sub .sub{
  position:absolute;top:calc(100% + 8px);left:0;min-width:300px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);padding:.5rem;list-style:none;
  opacity:0;visibility:hidden;transform:translateY(6px);
  transition:opacity .16s ease,transform .16s ease,visibility .16s;
}
.has-sub .sub::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;border-radius:var(--radius) var(--radius) 0 0;background:var(--navy);border-bottom:1px solid var(--line)}
.has-sub:hover .sub,.has-sub:focus-within .sub,.has-sub.open .sub{opacity:1;visibility:visible;transform:translateY(0)}
.has-sub:hover .caret,.has-sub:focus-within .caret,.has-sub.open .caret{transform:rotate(180deg)}

.has-sub.esc-closed .sub{opacity:0;visibility:hidden;transform:translateY(6px)}
.has-sub.esc-closed .caret{transform:rotate(0deg)}
.has-sub .sub a{
  display:block;padding:.55rem .85rem;font-size:.9rem;font-weight:500;color:var(--ink);
  text-decoration:none;border-radius:9px;
}
.has-sub .sub a:hover{background:var(--navy-tint);color:var(--navy)}
.header-actions{display:flex;align-items:center;gap:.6rem}

.hamburger{
  display:none;background:none;border:1px solid var(--line);border-radius:12px;
  width:42px;height:42px;align-items:center;justify-content:center;cursor:pointer;color:var(--navy);
}
.hamburger:hover{border-color:var(--navy);background:var(--navy-tint)}
.mobile-nav{display:none;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md)}
.mobile-nav.open{display:block}
.mobile-nav ul{list-style:none;padding:1rem 24px 1.5rem}
.mobile-nav .group-label{
  display:block;font-size:.75rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  color:var(--red);margin:1rem 0 .25rem;
}
.mobile-nav a{display:block;padding:.55rem .25rem;font-weight:600;font-size:1rem;text-decoration:none;color:var(--ink);border-radius:8px}
.mobile-nav a:hover{color:var(--red)}
.mobile-nav .sub-item a{font-weight:500;padding-left:1rem;font-size:.95rem;color:var(--slate)}


.header-cta-strip{
  background:linear-gradient(180deg,var(--navy-deep) 0%,var(--navy-ink) 100%);
  color:#fff;border-bottom:3px solid var(--red);
  max-height:0;overflow:hidden;visibility:hidden;opacity:0;transform:translateY(-6px);
  transition:max-height .28s ease,opacity .2s ease,transform .28s ease,visibility .28s;
}
.site-header.past-hero .header-cta-strip{max-height:72px;visibility:visible;opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.header-cta-strip{transition:none}}
.strip-inner{
  display:flex;align-items:center;justify-content:flex-start;flex-wrap:wrap;
  gap:.4rem 1rem;padding-top:.45rem;padding-bottom:.5rem;
}
.strip-label{font-size:.71rem;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:#aebbe2;white-space:nowrap}
.header-cta-strip .btn{font-size:.875rem;padding:.48rem 1.15rem;white-space:nowrap;margin-left:auto}


.hero{
  position:relative;text-align:center;color:#fff;
  background:
    radial-gradient(1100px 540px at 50% -12%,var(--navy-glow) 0%,rgba(44,63,125,0) 62%),
    radial-gradient(700px 420px at 12% 110%,rgba(173,29,34,.16) 0%,rgba(173,29,34,0) 60%),
    linear-gradient(180deg,var(--navy-deep) 0%,var(--navy-ink) 100%);
  padding:5.5rem 0 11rem;overflow:hidden;
}
.hero::after{
  content:"";position:absolute;left:0;right:0;top:0;height:1px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.35),transparent);
}
.hero .faint-star{position:absolute;color:#fff;opacity:.05;pointer-events:none}
.hero .fs1{top:12%;left:7%}
.hero .fs2{top:50%;right:5%}
.hero .fs3{bottom:18%;left:14%}
.logo-plate{
  display:inline-block;margin:0 auto 2.1rem;
  background:linear-gradient(180deg,#ffffff 0%,#f2f5fc 100%);
  border-radius:20px;padding:1.5rem 2.4rem;
  box-shadow:var(--shadow-xl),0 0 110px rgba(126,152,243,.28);
}
.hero-logo{margin:0 auto;max-width:460px;width:min(76vw,460px)}
.hero h1{
  font-size:clamp(2.3rem,5.2vw,3.85rem);font-weight:900;letter-spacing:-.025em;
  line-height:1.06;color:#fff;max-width:900px;margin:0 auto 1.4rem;
  text-shadow:0 4px 30px rgba(0,0,0,.35);
}
.hero .hero-sub{
  font-style:italic;color:#bcc7ea;font-size:clamp(1rem,1.6vw,1.1875rem);
  max-width:740px;margin:0 auto 2.6rem;
}
.hero-cta-row{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap}
.hero .btn-primary{
  font-size:1.0625rem;padding:1rem 2.1rem;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.25),0 0 0 1px rgba(255,255,255,.08),var(--glow-red);
}
.hero .btn-primary:hover{
  box-shadow:inset 0 1px 0 rgba(255,255,255,.25),0 0 0 1px rgba(255,255,255,.12),0 14px 40px rgba(173,29,34,.62),0 0 80px rgba(214,60,66,.45);
}



.answer-intro{position:relative;z-index:6;margin-top:-7rem;padding:0 0 2.6rem;background:linear-gradient(180deg,rgba(246,248,251,0) 0%,rgba(246,248,251,0) 7rem,var(--cloud) 7rem,var(--cloud) 100%)}
.answer-card{
  background:linear-gradient(180deg,#ffffff 0%,#fbfcfe 100%);
  border:1px solid rgba(227,232,240,.9);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:2.1rem 2.4rem 2.2rem;position:relative;overflow:hidden;
}
.answer-card::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--red)}
.answer-card h2{font-size:clamp(1.25rem,2.2vw,1.5rem);font-weight:800;color:var(--navy);letter-spacing:-.015em;line-height:1.25;margin-bottom:.65rem}
.answer-card p{font-size:1.02rem;color:var(--ink)}


.quick-links{position:relative;z-index:5;padding:0 0 4.5rem;background:var(--cloud)}
.card-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.q-card{
  background:linear-gradient(180deg,#ffffff 0%,#fbfcfe 100%);
  border:1px solid rgba(227,232,240,.9);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:2rem 1.6rem 1.8rem;
  display:flex;flex-direction:column;align-items:flex-start;gap:.85rem;
  transition:transform .18s ease,box-shadow .18s ease;position:relative;overflow:hidden;
}
.q-card::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--navy),#2a3d77)}
.q-card.accent-red::before{background:linear-gradient(90deg,var(--red-bright),var(--red-dark))}
.q-card:hover{transform:translateY(-5px);box-shadow:0 6px 14px rgba(12,19,48,.12),0 34px 70px rgba(12,19,48,.22)}
.q-card h3{font-size:1.2rem;font-weight:800;color:var(--navy);letter-spacing:-.01em}
.q-card.accent-red h3{color:var(--red)}
.q-card p{font-size:.95rem;color:var(--slate);flex:1}
.q-card .btn{align-self:flex-start}


.section{padding:3.5rem 0}
.section-alt{background:linear-gradient(180deg,var(--cloud) 0%,#eef1f8 100%)}

h2.section-title{
  font-size:clamp(1.6rem,3vw,2.15rem);font-weight:800;letter-spacing:-.02em;
  color:var(--navy);line-height:1.22;margin-bottom:1.1rem;
}
.section p.body{color:var(--ink);margin-bottom:1rem}
.section p.body a{font-weight:600}


.qref{
  background:linear-gradient(180deg,var(--navy-tint) 0%,#e6ebf6 100%);
  border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:2.3rem 2.4rem 2.4rem;position:relative;overflow:hidden;
}
.qref::before{
  content:"";position:absolute;top:0;left:0;right:0;height:6px;
  background:var(--navy);
  border-bottom:1px solid var(--line);
}
.qref .qref-head{display:flex;align-items:center;gap:.85rem;margin-bottom:1.5rem}
.qref .qref-head svg{flex:none}
.qref .qref-head h2{
  font-size:clamp(1.35rem,2.4vw,1.7rem);font-weight:800;color:var(--navy);
  letter-spacing:-.015em;line-height:1.25;margin:0;
}
.qref-list{list-style:none;display:grid;gap:.7rem}
.qref-list li{
  display:flex;flex-wrap:wrap;gap:.35rem .55rem;align-items:baseline;
  background:linear-gradient(180deg,#ffffff 0%,#fbfcfe 100%);
  border:1px solid rgba(227,232,240,.9);border-radius:var(--radius);
  padding:.9rem 1.2rem;box-shadow:var(--shadow-sm);font-size:.99rem;
  transition:transform .15s ease,box-shadow .15s ease;
}
.qref-list li:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.qref-list .k{font-weight:800;color:var(--navy)} 
.qref-list .fig{font-weight:800;color:var(--red);font-variant-numeric:tabular-nums}
.qref-list em{color:var(--slate)}
.qref-note{font-size:.9rem;color:var(--slate);margin-top:1.2rem}
.qref-cta{margin-top:1.5rem}
.qref-updated{font-size:.875rem;color:var(--slate);text-align:center;margin-top:.95rem}


ul.checklist{list-style:none;display:grid;gap:.7rem;margin:1rem 0 0}
ul.checklist li{
  display:flex;gap:.8rem;align-items:flex-start;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:.95rem 1.2rem;box-shadow:var(--shadow-sm);font-size:.99rem;
  transition:transform .15s ease,box-shadow .15s ease;
}
ul.checklist li:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
ul.checklist li .tick{flex:none;margin-top:.22rem}
ul.checklist li strong{color:var(--navy)}
h3.sub-title{font-size:1.15rem;font-weight:800;color:var(--red);letter-spacing:.01em;margin:2rem 0 .25rem}


.savings-band{
  position:relative;color:#fff;text-align:center;overflow:hidden;
  background:
    radial-gradient(950px 460px at 50% -8%,var(--navy-glow) 0%,rgba(44,63,125,0) 62%),
    linear-gradient(165deg,var(--navy-ink) 0%,var(--navy-deep) 55%,#1d2c5c 100%);
  padding:5.5rem 0 6rem;
}
.savings-band::before{
  content:"";position:absolute;left:50%;top:-180px;transform:translateX(-50%);
  width:620px;height:620px;border-radius:50%;pointer-events:none;
  background:radial-gradient(circle,rgba(193,39,45,.26) 0%,rgba(193,39,45,0) 62%);
}
.savings-band::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:6px;
  background:var(--red);opacity:.9;
}
.savings-band .giant-star{
  position:absolute;right:-90px;bottom:-110px;color:#fff;opacity:.04;pointer-events:none;
}
.savings-band .star-row{display:flex;justify-content:center;gap:.8rem;margin-bottom:1.4rem;color:#ffffff;opacity:.85}
.savings-band .eyebrow{
  font-size:.875rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;
  color:#aebbe2;margin-bottom:1.4rem;
}
.savings-band .big{
  font-size:clamp(3.6rem,10vw,7rem);font-weight:900;line-height:.98;letter-spacing:-.035em;
  font-variant-numeric:tabular-nums;color:#fff;
  text-shadow:0 10px 60px rgba(173,29,34,.40),0 4px 24px rgba(0,0,0,.45);
}
.savings-band .mid{font-size:clamp(1.25rem,2.4vw,1.6rem);font-weight:700;margin-top:.7rem;letter-spacing:-.01em}
.savings-band .base{font-size:clamp(1rem,1.7vw,1.15rem);color:#c4cde8;margin-top:.8rem}

.savings-flow{
  display:flex;align-items:stretch;justify-content:center;
  margin:3.2rem auto 0;max-width:1040px;
}
.flow-step{
  flex:1 1 0;min-width:0;position:relative;
  background:linear-gradient(180deg,rgba(255,255,255,.11) 0%,rgba(255,255,255,.05) 100%);
  border:1px solid rgba(255,255,255,.24);border-radius:var(--radius-lg);
  padding:1.5rem 1.1rem 1.4rem;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.14),0 12px 32px rgba(0,0,0,.32);
}
.flow-step .f-label{
  font-size:.72rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase;
  color:#aebbe2;margin-bottom:.55rem;line-height:1.4;
}
.flow-step .f-num{
  font-size:clamp(1.45rem,3vw,2.05rem);font-weight:900;letter-spacing:-.02em;
  font-variant-numeric:tabular-nums;color:#fff;line-height:1.05;
}
.flow-step .f-cap{font-size:.8125rem;color:#c4cde8;margin-top:.55rem;line-height:1.45}
.flow-step.f-hot{
  background:linear-gradient(180deg,rgba(193,39,45,.32) 0%,rgba(140,21,24,.16) 100%);
  border-color:rgba(255,138,142,.55);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.18),0 12px 36px rgba(173,29,34,.38);
}
.flow-step.f-hot .f-label{color:#ffb3b6}
.flow-arrow{
  flex:0 0 auto;display:flex;align-items:center;justify-content:center;
  padding:0 .4rem;color:#8fa2d8;
}
.savings-band .fine{font-size:.85rem;color:#aebbe2;font-style:italic;margin:2rem auto 0;max-width:680px}


.qualify-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:1.4rem}

.qualify-grid.has-featured{grid-auto-flow:dense}
.qualify-grid.has-featured .q-item:nth-child(2){grid-column:1/-1}
.qualify-grid .q-item{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-sm);padding:1.15rem 1.25rem;font-size:.96rem;
  display:flex;gap:.7rem;align-items:flex-start;transition:transform .15s ease,box-shadow .15s ease;
}
.qualify-grid .q-item:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.qualify-grid .q-item .tick{flex:none;margin-top:.2rem}
.qualify-grid .q-item strong{color:var(--navy)}
.arrow-link{font-weight:700;color:var(--red);text-decoration:none;border-bottom:2px solid currentColor;padding-bottom:1px}
.arrow-link:hover{color:var(--red-dark)}
.link-row{margin-top:1.6rem}


.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:1.8rem}
.step-card{
  background:linear-gradient(180deg,#ffffff 0%,#fbfcfe 100%);
  border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md);padding:1.9rem 1.7rem;
  transition:transform .15s ease,box-shadow .15s ease;
}
.step-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.step-card .step-num{
  width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(180deg,#2a3d77,var(--navy-deep));color:#fff;font-weight:800;font-size:1.25rem;margin-bottom:1rem;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.2),0 6px 16px rgba(20,31,68,.35);
}
.step-card:nth-child(2) .step-num{background:linear-gradient(180deg,var(--red-bright),var(--red-dark));box-shadow:inset 0 1px 0 rgba(255,255,255,.2),0 6px 16px rgba(173,29,34,.35)}
.step-card h3{font-size:1.1rem;font-weight:800;color:var(--navy);margin-bottom:.6rem}
.step-card ul{list-style:none;display:grid;gap:.5rem}
.step-card ul li{display:flex;gap:.6rem;align-items:flex-start;font-size:.95rem;color:var(--slate)}
.step-card ul li .tick{flex:none;margin-top:.25rem}


.faq-card{
  background:linear-gradient(180deg,#ffffff 0%,#fbfcfe 100%);
  border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md);padding:1.6rem 1.8rem;margin-top:1.1rem;
}
.faq-card .q{font-weight:800;color:var(--navy);margin-bottom:.4rem}
.faq-card .q .qmark{color:var(--red);font-weight:800;margin-right:.2rem}
.faq-card .a{font-size:.99rem;color:var(--ink)}
.faq-more{margin-top:1.8rem;font-size:1rem}


.tools-list{list-style:none;display:flex;flex-wrap:wrap;gap:.7rem;margin:1.2rem 0 0}
.tools-list li{
  background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:.55rem 1.2rem;font-size:.94rem;font-weight:600;color:var(--navy);
  box-shadow:var(--shadow-sm);display:inline-flex;align-items:center;gap:.5rem;
}
.legal-note{font-style:italic;font-size:.9rem;color:var(--slate);margin-top:1.8rem;max-width:760px}


.site-footer{
  background:linear-gradient(180deg,var(--navy-deep) 0%,var(--navy-ink) 100%);
  color:#d6ddf0;margin-top:4rem;position:relative;
}
.site-footer::before{
  content:"";display:block;height:6px;
  background:var(--red);
}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr;gap:3rem;padding:3.5rem 0 2.5rem}
.site-footer h3{
  font-size:.875rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;
  color:#ff9b9f;margin-bottom:.8rem;display:flex;align-items:center;gap:.5rem;
}
.site-footer p{font-size:.9rem;line-height:1.7;margin-bottom:1.2rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:#ffb3b6}
.footer-block + .footer-block{margin-top:2.2rem}
.footer-links{list-style:none}
.footer-links li{padding:.5rem 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:.9rem}
.footer-links li:last-child{border-bottom:none}
.footer-links a{text-decoration:none;font-weight:600}
.footer-links a:hover{text-decoration:underline}
.footer-clock-wrap{margin-top:.6rem}
.footer-clock-wrap .clock .num{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.2);color:#fff}
.footer-clock-wrap .clock .lbl{color:#aebbe2}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);padding:2.2rem 0 2.6rem;text-align:center}
.bottom-links{display:flex;flex-wrap:wrap;justify-content:center;align-items:baseline;font-size:.78rem;line-height:2.1;color:#9aa7cc;margin-bottom:1.6rem}
.bottom-links a{color:#c9d2ec;text-decoration:none;white-space:nowrap}
.bottom-links a:hover{color:#fff;text-decoration:underline}
.bottom-links .sep{color:#56638f;padding:0 .45rem}
.social-row{display:flex;justify-content:center;gap:1rem;margin-bottom:1.4rem}
.social-row a{
  display:inline-flex;align-items:center;justify-content:center;
  width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.1);
  border:1px solid rgba(255,255,255,.2);color:#fff;transition:background-color .15s ease,transform .15s ease,box-shadow .15s ease;
}
.social-row a:hover{background:var(--red);transform:translateY(-2px);color:#fff;box-shadow:0 6px 18px rgba(173,29,34,.45)}
.footer-tagline{font-size:.85rem;font-weight:700;letter-spacing:.04em;color:#fff;margin-bottom:1.2rem}
.legal-links{font-size:.78rem;letter-spacing:.08em;margin-bottom:1rem}
.legal-links a{color:#c9d2ec;text-decoration:none;font-weight:700}
.legal-links a:hover{color:#fff;text-decoration:underline}
.legal-links .sep{color:#56638f;padding:0 .6rem}
.copyright{font-size:.78rem;color:#9aa7cc;max-width:680px;margin:0 auto}


.scrollup{
  position:fixed;right:22px;bottom:22px;z-index:90;
  width:46px;height:46px;border-radius:50%;
  background:linear-gradient(180deg,#2a3d77,var(--navy-deep));color:#fff;
  display:flex;align-items:center;justify-content:center;text-decoration:none;
  box-shadow:var(--shadow-md);opacity:0;visibility:hidden;transition:opacity .2s ease,transform .2s ease,visibility .2s;
  font-size:.625rem;font-weight:800;letter-spacing:.08em;
}
.scrollup.show{opacity:1;visibility:visible}
.scrollup:hover{background:linear-gradient(180deg,var(--red-bright),var(--red-dark));color:#fff;transform:translateY(-3px);box-shadow:var(--glow-red)}


@media (max-width:1080px){
  .main-nav{display:none}
  .hamburger{display:inline-flex}
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .qualify-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:880px){
  .savings-flow{flex-direction:column;align-items:stretch;max-width:420px}
  .flow-arrow{padding:.35rem 0}
  .flow-arrow svg{transform:rotate(90deg)}
}
@media (max-width:760px){
  body{font-size:1rem}
  .hero{padding:3.75rem 0 8.5rem}
  .logo-plate{padding:1.1rem 1.4rem;border-radius:16px}
  .answer-intro{margin-top:-5.5rem;background:linear-gradient(180deg,rgba(246,248,251,0) 0%,rgba(246,248,251,0) 5.5rem,var(--cloud) 5.5rem,var(--cloud) 100%)}
  .answer-card{padding:1.5rem 1.25rem 1.6rem}
  .card-grid,.qualify-grid,.steps-grid{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr;gap:2.4rem}
  .deadline-banner .container{gap:.5rem 1rem}
  .clock .unit{min-width:46px}
  
  .strip-inner{flex-wrap:nowrap;gap:.4rem .5rem;padding-left:10px;padding-right:10px}
  .strip-label{display:none}
  .clock.mini{gap:.2rem}
  .clock.mini .unit{min-width:22px}
  .clock.mini .num{font-size:.84rem}
  .clock.mini .colon{font-size:.84rem}
  .clock.mini .lbl-long{display:none}
  .clock.mini .lbl-short{display:inline}
  .header-cta-strip .btn{font-size:.68rem;padding:.4rem .7rem}
  .topbar-since span.long{display:none}
}
@media (max-width:374px){
  
  .strip-inner{flex-wrap:wrap;gap:.25rem .5rem;justify-content:center}
  .header-cta-strip .btn{margin-left:0}
  .site-header.past-hero .header-cta-strip{max-height:120px}
  .qref{padding:1.6rem 1.25rem 1.75rem}
  .savings-band{padding:4rem 0 4.5rem}
  .bottom-links{display:none}
}