:root {
  --blue: #0a4f9c;
  --blue-deep: #052a5a;
  --navy: #061d38;
  --cyan: #43d6d0;
  --ink: #102233;
  --muted: #5f6e7c;
  --mist: #eef4f8;
  --white: #fff;
  --line: rgba(16, 34, 51, .14);
  --max: 1240px;
  --header-h: 84px;
  font-family: Inter, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  scroll-behavior: smooth;
}
* { box-sizing: border-box; }
body { margin: 0; overflow-x: hidden; background: var(--white); }
body.menu-open, body.chat-open { overflow: hidden; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
button { cursor: pointer; }
a { color: inherit; }
img { max-width: 100%; display: block; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 100; background: #fff; padding: 12px 16px; }
.skip-link:focus { top: 12px; }
.site-header { height: var(--header-h); position: fixed; inset: 0 0 auto; z-index: 40; display: flex; align-items: center; padding: 0 clamp(20px, 4vw, 64px); color: #fff; transition: background .35s, box-shadow .35s, height .35s; }
.site-header.scrolled { height: 72px; background: rgba(255,255,255,.96); color: var(--ink); box-shadow: 0 1px 18px rgba(4,24,48,.08); backdrop-filter: blur(12px); }
.brand { width: 214px; display: block; }
.brand img { width: 100%; height: auto; filter: brightness(0) invert(1); transition: filter .3s ease; }
.site-header.scrolled .brand img { filter: none; }
nav { margin-left: auto; display: flex; align-items: center; gap: 30px; }
nav a { text-decoration: none; font-size: 14px; font-weight: 650; }
nav a:hover { color: var(--cyan); }
.button { border: 0; min-height: 52px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 0 22px; font-weight: 760; text-decoration: none; border-radius: 4px; transition: transform .2s, background .2s, color .2s; }
.button:hover { transform: translateY(-2px); }
.button svg { width: 19px; }
.button-primary { background: var(--blue); color: #fff; }
.button-primary:hover { background: #0860b9; }
.button-light { background: #fff; color: var(--blue-deep); }
.button-small { min-height: 44px; margin-left: 28px; padding: 0 18px; background: var(--cyan); color: var(--navy); }
.menu-button { display: none; margin-left: auto; width: 44px; height: 44px; align-items: center; justify-content: center; color: currentColor; border: 0; background: transparent; }
.hero { min-height: 760px; height: 100svh; position: relative; display: flex; align-items: center; background: var(--navy) url("assets/hero-kautionsversicherung.jpg") center/cover no-repeat; color: #fff; overflow: hidden; }
.hero-shade { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(3,19,37,.9) 0%, rgba(3,19,37,.73) 34%, rgba(3,19,37,.18) 60%, rgba(3,19,37,.08)); }
.hero-content { position: relative; z-index: 2; width: min(700px, 88vw); margin-left: max(6vw, calc((100vw - var(--max)) / 2)); padding-top: 58px; }
.eyebrow, .section-kicker { margin: 0 0 20px; color: var(--cyan); text-transform: uppercase; letter-spacing: .13em; font-size: 12px; font-weight: 820; }
.hero h1 { font-family: Georgia, "Times New Roman", serif; font-weight: 500; letter-spacing: 0; font-size: 88px; line-height: .98; margin: 0 0 28px; }
.hero h1 span, .intro h2 span { color: var(--cyan); }
.hero-copy { font-size: 19px; line-height: 1.55; max-width: 620px; color: rgba(255,255,255,.86); margin: 0 0 34px; }
.hero-actions { display: flex; align-items: center; gap: 28px; }
.text-link { font-weight: 720; text-decoration: none; display: inline-flex; align-items: center; gap: 7px; }
.text-link svg { width: 18px; }
.hero-proof { display: flex; gap: 24px; margin-top: 44px; color: rgba(255,255,255,.78); font-size: 13px; }
.hero-proof span { display: inline-flex; align-items: center; gap: 7px; }
.hero-proof svg { width: 17px; color: var(--cyan); }
.hero-scroll { position: absolute; right: 48px; bottom: 34px; z-index: 2; display: flex; align-items: center; gap: 12px; font-size: 12px; text-transform: uppercase; letter-spacing: .12em; text-decoration: none; writing-mode: vertical-rl; }
.hero-scroll svg { width: 18px; }
.authority-strip { min-height: 126px; padding: 24px max(6vw, calc((100vw - var(--max)) / 2)); display: grid; grid-template-columns: 1fr 30px 1fr 30px 1fr .72fr; align-items: center; gap: 20px; border-bottom: 1px solid var(--line); background: #fff; }
.authority-strip > div:not(.authority-stat) { display: grid; gap: 4px; }
.authority-strip > svg { width: 18px; color: #91a0ab; }
.authority-strip span { color: var(--blue); text-transform: uppercase; letter-spacing: .08em; font-size: 10px; font-weight: 800; }
.authority-strip strong { font-size: 17px; }
.authority-strip small { color: var(--muted); font-size: 11px; }
.authority-stat { border-left: 1px solid var(--line); padding-left: 26px; }
.authority-stat strong { display: block; color: var(--blue); font-family: Georgia, serif; font-size: 38px; font-weight: 500; }
.authority-stat span { display: block; color: var(--muted); text-transform: none; letter-spacing: 0; line-height: 1.35; }
.reveal { opacity: 0; transform: translateY(22px); animation: reveal .7s ease forwards; }
.reveal:nth-child(2) { animation-delay: .1s; }.reveal:nth-child(3) { animation-delay: .2s; }.reveal:nth-child(4) { animation-delay: .3s; }.reveal:nth-child(5) { animation-delay: .42s; }
@keyframes reveal { to { opacity: 1; transform: none; } }
.section { padding: 120px max(6vw, calc((100vw - var(--max)) / 2)); }
.section-kicker { color: var(--blue); }
.intro-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 80px; align-items: start; }
.intro h2, .types h2, .funnel h2, .process h2, .faq h2, .contact-section h2, .provider-band h2 { font-family: Georgia, "Times New Roman", serif; letter-spacing: 0; font-weight: 500; font-size: 68px; line-height: 1.04; margin: 0; }
.intro-copy { padding-top: 8px; font-size: 18px; line-height: 1.7; color: var(--muted); }
.source-note { font-size: 13px; padding-top: 18px; border-top: 1px solid var(--line); }
.benefit-lines { margin-top: 92px; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); }
.benefit-lines article { padding: 28px 30px 12px 0; display: grid; grid-template-columns: 44px 1fr; gap: 12px; border-right: 1px solid var(--line); }
.benefit-lines article + article { padding-left: 30px; }
.benefit-lines article:last-child { border-right: 0; }
.benefit-lines article > span { color: var(--blue); font-size: 12px; font-weight: 800; }
.benefit-lines svg { color: var(--blue); width: 30px; height: 30px; margin-bottom: 26px; }
.benefit-lines h3 { font-size: 20px; margin: 0 0 10px; }
.benefit-lines p { line-height: 1.55; color: var(--muted); margin: 0; font-size: 15px; }
.market-evidence { padding: 90px max(6vw, calc((100vw - var(--max)) / 2)); background: var(--blue); color: #fff; }
.market-evidence-head { display: grid; grid-template-columns: .7fr 1fr 1fr; gap: 52px; align-items: end; }
.market-evidence .section-kicker { color: var(--cyan); align-self: start; }
.market-evidence h2 { font-family: Georgia, "Times New Roman", serif; letter-spacing: 0; font-size: 50px; line-height: 1.05; font-weight: 500; margin: 0; }
.market-evidence-head > p:last-child { margin: 0; color: rgba(255,255,255,.74); line-height: 1.65; }
.market-numbers { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 64px; border-top: 1px solid rgba(255,255,255,.24); }
.market-numbers article { min-height: 170px; padding: 28px 28px 0 0; border-right: 1px solid rgba(255,255,255,.2); }
.market-numbers article + article { padding-left: 28px; }
.market-numbers article:last-child { border-right: 0; }
.market-numbers strong { display: block; color: var(--cyan); font-family: Georgia, serif; font-size: 42px; font-weight: 500; margin-bottom: 16px; }
.market-numbers span { display: block; max-width: 230px; color: rgba(255,255,255,.8); line-height: 1.45; font-size: 14px; }
.data-source { margin: 24px 0 0; color: rgba(255,255,255,.58); font-size: 11px; }
.data-source a { text-underline-offset: 3px; }
.calculator-section { display: grid; grid-template-columns: .68fr 1.32fr; gap: 78px; background: #fff; align-items: start; }
.calculator-intro { position: sticky; top: 116px; }
.calculator-intro h2 { font-family: Georgia, "Times New Roman", serif; letter-spacing: 0; font-weight: 500; font-size: 54px; line-height: 1.04; margin: 0 0 26px; }
.calculator-intro > p:not(.section-kicker) { color: var(--muted); line-height: 1.7; }
.calculator-benefits { list-style: none; padding: 26px 0 0; margin: 30px 0 0; border-top: 1px solid var(--line); display: grid; gap: 14px; }
.calculator-benefits li { display: flex; gap: 10px; align-items: center; font-size: 14px; font-weight: 700; }
.calculator-benefits svg { width: 19px; color: var(--blue); }
.calculator-tool { border: 1px solid #cbd8e1; border-top: 4px solid var(--blue); border-radius: 6px; padding: 36px; box-shadow: 0 24px 60px rgba(5,42,90,.1); }
.calculator-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; padding-bottom: 28px; border-bottom: 1px solid var(--line); }
.calculator-step { color: var(--blue); text-transform: uppercase; letter-spacing: .1em; font-size: 11px; font-weight: 800; }
.calculator-head h3 { font-family: Georgia, serif; font-weight: 500; font-size: 31px; line-height: 1.1; margin: 8px 0 0; }
.calculator-reset { border: 0; background: transparent; color: var(--muted); display: inline-flex; align-items: center; gap: 7px; padding: 5px; font-size: 12px; font-weight: 700; }
.calculator-reset:hover { color: var(--blue); }
.calculator-reset svg { width: 17px; }
.calculator-inputs { margin: 8px 0 0; }
.calc-field { min-height: 86px; display: grid; grid-template-columns: 1fr 180px; gap: 24px; align-items: center; border-bottom: 1px solid var(--line); }
.calc-field > span { display: grid; gap: 4px; }
.calc-field b { font-size: 15px; }
.calc-field small { color: var(--muted); font-size: 12px; font-weight: 400; }
.money-input { height: 48px; position: relative; }
.money-input input { width: 100%; height: 100%; border: 1px solid #c7d4de; background: #fff; border-radius: 3px; padding: 0 42px 0 12px; text-align: right; font-weight: 750; color: var(--ink); }
.money-input em { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-style: normal; font-size: 13px; pointer-events: none; }
.money-input input:focus, .calculator-secondary select:focus { outline: 2px solid rgba(10,79,156,.2); border-color: var(--blue); }
.calculator-details { margin-top: 24px; border: 1px solid var(--line); border-radius: 4px; }
.calculator-details summary { min-height: 54px; list-style: none; display: flex; align-items: center; justify-content: space-between; padding: 0 16px; cursor: pointer; color: var(--blue-deep); font-size: 13px; font-weight: 800; }
.calculator-details summary::-webkit-details-marker { display: none; }
.calculator-details summary svg { width: 18px; transition: transform .2s; }
.calculator-details[open] summary svg { transform: rotate(180deg); }
.calculator-secondary { padding: 0 16px 18px; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.calculator-secondary label { display: grid; gap: 7px; color: var(--muted); font-size: 12px; font-weight: 700; }
.calculator-secondary select { height: 48px; border: 1px solid #c7d4de; border-radius: 3px; padding: 0 12px; background: #fff; color: var(--ink); font-weight: 750; }
.calculator-results { margin-top: 26px; background: var(--navy); color: #fff; border-radius: 4px; overflow: hidden; }
.result-primary { padding: 27px 28px; border-bottom: 1px solid rgba(255,255,255,.14); }
.result-primary > span { display: block; color: var(--cyan); text-transform: uppercase; letter-spacing: .09em; font-size: 11px; font-weight: 800; }
.result-primary strong { display: block; font-family: Georgia, serif; font-size: 48px; font-weight: 500; margin: 8px 0 5px; }
.result-primary small { color: rgba(255,255,255,.62); }
.result-secondary { display: grid; grid-template-columns: repeat(3, 1fr); }
.result-secondary > span { min-height: 90px; padding: 17px 18px; color: rgba(255,255,255,.55); font-size: 11px; border-right: 1px solid rgba(255,255,255,.14); }
.result-secondary > span:last-child { border-right: 0; }
.result-secondary strong { display: block; color: #fff; font-size: 18px; margin-top: 8px; }
.calculator-chart { margin-top: 26px; }
.chart-label { display: flex; justify-content: space-between; font-size: 11px; color: var(--muted); font-weight: 750; }
.chart-bar { height: 11px; margin-top: 9px; background: var(--mist); display: flex; overflow: hidden; border-radius: 2px; }
.chart-bar i { display: block; height: 100%; transition: width .3s ease; }
.chart-warranty, .legend-warranty { background: var(--blue); }
.chart-performance, .legend-performance { background: var(--cyan); }
.chart-advance, .legend-advance { background: #e8b84c; }
.chart-other, .legend-other { background: #7c8c9d; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 15px; margin-top: 11px; color: var(--muted); font-size: 10px; }
.chart-legend span { display: inline-flex; align-items: center; gap: 5px; }
.chart-legend i { width: 8px; height: 8px; border-radius: 50%; }
.calculator-transfer { width: 100%; margin-top: 28px; }
.calculator-disclaimer { display: flex; gap: 9px; align-items: flex-start; margin: 15px 0 0; color: var(--muted); font-size: 10px; line-height: 1.5; }
.calculator-disclaimer svg { flex: 0 0 15px; width: 15px; margin-top: 1px; }
.types { background: var(--mist); display: grid; grid-template-columns: .82fr 1.18fr; gap: 100px; }
.types-heading { position: sticky; top: 120px; align-self: start; }
.types-heading > p:last-child { color: var(--muted); line-height: 1.65; max-width: 470px; margin-top: 26px; }
.type-list { border-top: 1px solid var(--line); }
.type-row { width: 100%; min-height: 112px; display: grid; grid-template-columns: 46px 1fr 1.1fr 32px; align-items: center; gap: 16px; text-align: left; color: var(--ink); background: transparent; border: 0; border-bottom: 1px solid var(--line); padding: 8px 0; transition: color .2s, padding .2s, background .2s; }
.type-row:hover { color: var(--blue); padding-left: 14px; background: rgba(255,255,255,.5); }
.type-row > span { color: var(--blue); font-size: 12px; font-weight: 800; }
.type-row strong { font-family: Georgia, serif; font-size: 25px; font-weight: 500; }
.type-row small { color: var(--muted); line-height: 1.4; }
.type-row svg { width: 22px; }
.credit-spectrum { background: #fff; }
.credit-heading { display: grid; grid-template-columns: .55fr 1.2fr .8fr; gap: 58px; align-items: end; }
.credit-heading .section-kicker { align-self: start; }
.credit-heading h2 { font-family: Georgia, serif; font-size: 56px; line-height: 1.05; font-weight: 500; margin: 0; }
.credit-heading > p:last-child { color: var(--muted); line-height: 1.7; margin: 0; }
.credit-lines { margin-top: 74px; border-top: 1px solid var(--line); display: grid; grid-template-columns: repeat(3, 1fr); }
.credit-lines article { display: grid; grid-template-columns: 38px 1fr; gap: 10px; padding: 30px 30px 12px 0; border-right: 1px solid var(--line); }
.credit-lines article + article { padding-left: 30px; }
.credit-lines article:last-child { border-right: 0; }
.credit-lines article > span { color: var(--blue); font-size: 11px; font-weight: 800; }
.credit-lines h3 { margin: 0 0 14px; font-size: 20px; }
.credit-lines p { min-height: 110px; margin: 0 0 20px; color: var(--muted); line-height: 1.6; font-size: 14px; }
.credit-lines button, .credit-lines a { border: 0; padding: 0; background: transparent; color: var(--blue); display: inline-flex; align-items: center; gap: 7px; font-weight: 800; text-decoration: none; font-size: 13px; }
.credit-lines svg { width: 17px; }
.leadership-band { padding: 100px max(6vw, calc((100vw - var(--max)) / 2)) 60px; background: var(--navy); color: #fff; }
.leadership-copy { display: grid; grid-template-columns: .52fr 1.25fr .75fr; gap: 58px; align-items: end; }
.leadership-copy .section-kicker { color: var(--cyan); align-self: start; }
.leadership-copy h2 { font-family: Georgia, serif; font-size: 52px; line-height: 1.05; font-weight: 500; margin: 0; }
.leadership-copy > p:last-child { color: rgba(255,255,255,.68); line-height: 1.7; margin: 0; }
.leadership-facts { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 64px; border-top: 1px solid rgba(255,255,255,.18); }
.leadership-facts article { padding: 28px 28px 16px 0; border-right: 1px solid rgba(255,255,255,.16); }
.leadership-facts article + article { padding-left: 28px; }
.leadership-facts article:last-child { border-right: 0; }
.leadership-facts strong { display: block; color: var(--cyan); font-family: Georgia, serif; font-size: 42px; font-weight: 500; margin-bottom: 12px; }
.leadership-facts span { display: block; color: rgba(255,255,255,.72); font-size: 13px; line-height: 1.45; }
.leadership-source { color: rgba(255,255,255,.45); font-size: 10px; margin: 28px 0 0; line-height: 1.5; }
.documents-hub { background: var(--mist); }
.documents-heading { display: grid; grid-template-columns: .5fr 1.15fr .8fr; gap: 58px; align-items: start; }
.documents-heading h2 { font-family: Georgia, serif; font-size: 54px; line-height: 1.05; font-weight: 500; margin: 0; }
.documents-heading > p:not(.section-kicker) { color: var(--muted); line-height: 1.7; margin: 0; }
.documents-heading .button { grid-column: 2; justify-self: start; margin-top: -12px; }
.submission-rule { grid-column: 2 / -1; display: flex; gap: 14px; align-items: flex-start; margin-top: 2px; padding: 18px 20px; border-left: 3px solid var(--blue); background: #fff; }
.submission-rule svg { flex: 0 0 23px; width: 23px; color: var(--blue); }
.submission-rule span { display: grid; gap: 5px; color: var(--muted); font-size: 13px; line-height: 1.55; }
.submission-rule strong { color: var(--ink); font-size: 14px; }
.document-groups { margin-top: 66px; border-top: 1px solid var(--line); }
.document-groups details { border-bottom: 1px solid var(--line); }
.document-groups summary { min-height: 82px; list-style: none; display: grid; grid-template-columns: 50px 1fr 24px; align-items: center; cursor: pointer; font-family: Georgia, serif; font-size: 24px; }
.document-groups summary::-webkit-details-marker { display: none; }
.document-groups summary > span { color: var(--blue); font-family: Inter, sans-serif; font-size: 11px; font-weight: 800; }
.document-groups summary svg { width: 19px; color: var(--blue); transition: transform .2s; }
.document-groups details[open] summary svg { transform: rotate(180deg); }
.document-groups details > div { padding: 0 60px 28px 50px; color: var(--muted); }
.document-groups ul { margin: 0; padding-left: 20px; columns: 2; column-gap: 60px; }
.document-groups li { break-inside: avoid; margin-bottom: 10px; line-height: 1.55; }
.document-groups details p { border-left: 3px solid var(--blue); padding-left: 14px; font-size: 12px; line-height: 1.6; }
.official-resources { margin-top: 84px; display: grid; grid-template-columns: .7fr 1.3fr; gap: 70px; align-items: start; }
.resources-title { position: sticky; top: 110px; }
.resources-title h3 { font-family: Georgia, serif; font-size: 34px; font-weight: 500; margin: 0 0 18px; }
.resources-title > p:last-child { color: var(--muted); line-height: 1.6; font-size: 13px; }
.resource-list { border-top: 1px solid var(--line); }
.resource-list > a, .resource-list > button { width: 100%; min-height: 82px; display: grid; grid-template-columns: 34px 1fr 24px; gap: 12px; align-items: center; border: 0; border-bottom: 1px solid var(--line); background: transparent; color: var(--ink); text-align: left; text-decoration: none; padding: 10px 0; }
.resource-list > a:hover, .resource-list > button:hover { color: var(--blue); }
.resource-list > a > svg:first-child, .resource-list > button > svg:first-child { color: var(--blue); width: 23px; }
.resource-list > a > svg:last-child, .resource-list > button > svg:last-child { width: 17px; }
.resource-list span { display: grid; gap: 5px; }
.resource-list strong { font-size: 15px; }
.resource-list small { color: var(--muted); }
.resource-list > button { font: inherit; cursor: pointer; }
.funnel { background: var(--navy); color: #fff; padding: 112px max(5vw, calc((100vw - var(--max)) / 2)); }
.funnel-inner { display: grid; grid-template-columns: .72fr 1.28fr; gap: 84px; align-items: start; }
.funnel-copy { position: sticky; top: 120px; }
.funnel h2 { font-size: 60px; }
.funnel-copy > p:not(.section-kicker) { color: rgba(255,255,255,.66); line-height: 1.7; }
.privacy-line { margin-top: 42px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.14); display: flex; gap: 12px; color: rgba(255,255,255,.7); font-size: 13px; line-height: 1.5; }
.privacy-line svg { flex: 0 0 22px; color: var(--cyan); }
.lead-form { background: #fff; color: var(--ink); padding: clamp(26px, 4vw, 54px); min-height: 590px; border-radius: 6px; }
.form-progress { margin-bottom: 50px; color: var(--blue); font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: .09em; }
.form-progress > div { height: 3px; margin-top: 12px; background: #e4edf3; }
.form-progress b { display: block; height: 100%; width: 33.33%; background: var(--blue); transition: width .3s; }
.form-step { display: none; }
.form-step.active { display: block; animation: form-in .3s ease; }
@keyframes form-in { from { opacity: .2; transform: translateX(12px); } }
fieldset { border: 0; padding: 0; margin: 0 0 36px; }
legend { font-family: Georgia, serif; font-size: 40px; line-height: 1.1; margin-bottom: 32px; }
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.option-grid label { min-height: 66px; border: 1px solid #cfdae2; display: flex; align-items: center; padding: 10px 18px; cursor: pointer; transition: border .2s, background .2s; }
.option-grid label:has(input:checked) { border-color: var(--blue); background: #edf6ff; }
.option-grid input { accent-color: var(--blue); width: 18px; height: 18px; margin-right: 11px; }
.option-grid .wide { grid-column: 1 / -1; }
.fields { display: grid; gap: 22px; }
.two-columns { grid-template-columns: 1fr 1fr; }
.fields label { display: grid; gap: 8px; }
.fields label.full { grid-column: 1/-1; }
.fields label > span { font-size: 13px; font-weight: 750; }
.fields input, .fields select, .fields textarea { width: 100%; border: 1px solid #ccd8e0; border-radius: 2px; background: #fff; padding: 0 14px; color: var(--ink); }
.fields input, .fields select { height: 52px; }
.fields textarea { padding-top: 12px; resize: vertical; }
.fields input:focus, .fields select:focus, .fields textarea:focus { outline: 2px solid rgba(10,79,156,.2); border-color: var(--blue); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 12px; color: var(--muted); line-height: 1.5; margin-top: 26px; }
.consent input { margin-top: 2px; accent-color: var(--blue); }
.consent a { color: var(--blue); }
.document-status { margin-bottom: 26px; }
.document-status > span { display: block; margin-bottom: 10px; font-size: 13px; font-weight: 750; }
.document-status > div { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.document-status label { cursor: pointer; }
.document-status input { position: absolute; opacity: 0; }
.document-status label span { min-height: 48px; display: flex; align-items: center; justify-content: center; padding: 8px; border: 1px solid #ccd8e0; text-align: center; font-size: 11px; font-weight: 700; }
.document-status input:checked + span { border-color: var(--blue); color: var(--blue); background: #edf6ff; }
.form-nav { display: flex; justify-content: space-between; align-items: center; }
.back { border: 0; background: transparent; display: inline-flex; align-items: center; gap: 7px; font-weight: 700; color: var(--muted); }
.back svg { width: 18px; }
.form-error { color: #b3261e; font-size: 13px; min-height: 20px; }
.form-success { text-align: center; padding: 55px 4%; }
.form-success > svg { width: 58px; height: 58px; color: var(--blue); margin-bottom: 24px; }
.form-success h3 { font-family: Georgia, serif; font-size: 38px; font-weight: 500; margin: 0 0 16px; }
.form-success p:last-child { color: var(--muted); line-height: 1.6; }
.process-title { display: grid; grid-template-columns: 1.15fr .85fr; gap: 80px; align-items: end; }
.process-title > p { color: var(--muted); line-height: 1.7; margin: 0; }
.process-steps { list-style: none; padding: 0; margin: 88px 0 24px; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); }
.process-steps li { min-height: 260px; padding: 26px 34px 0 0; border-right: 1px solid var(--line); }
.process-steps li + li { padding-left: 34px; }
.process-steps li:last-child { border-right: 0; }
.process-steps span { display: block; color: var(--blue); font-size: 12px; font-weight: 800; margin-bottom: 58px; }
.process-steps h3 { font-size: 21px; margin: 0 0 12px; }
.process-steps p { color: var(--muted); line-height: 1.6; margin: 0; }
.legal-note { font-size: 12px; color: var(--muted); }
.provider-band { padding: 100px max(6vw, calc((100vw - var(--max)) / 2)); background: var(--blue); color: #fff; display: grid; grid-template-columns: 1.2fr .8fr; gap: 90px; align-items: end; }
.provider-band .section-kicker { color: var(--cyan); }
.provider-band p:last-child { line-height: 1.75; color: rgba(255,255,255,.75); margin: 0; }
.faq { display: grid; grid-template-columns: .72fr 1.28fr; gap: 100px; }
.faq-title { position: sticky; top: 120px; align-self: start; }
.faq-title p:last-child { color: var(--muted); line-height: 1.65; }
.accordion { border-top: 1px solid var(--line); }
.accordion details { border-bottom: 1px solid var(--line); }
.accordion summary { min-height: 88px; list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 22px; font-size: 18px; font-weight: 750; cursor: pointer; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary svg { flex: 0 0 20px; color: var(--blue); transition: transform .2s; }
.accordion details[open] summary svg { transform: rotate(45deg); }
.accordion details p { margin: -4px 50px 26px 0; color: var(--muted); line-height: 1.7; }
.contact-section { min-height: 600px; position: relative; color: #fff; display: flex; align-items: center; overflow: hidden; }
.contact-section > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 42%; }
.contact-shade { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(4,28,55,.94), rgba(4,28,55,.67) 46%, rgba(4,28,55,.1) 76%); }
.contact-copy { position: relative; z-index: 1; padding: 90px max(6vw, calc((100vw - var(--max)) / 2)); max-width: 900px; }
.contact-copy .section-kicker { color: var(--cyan); }
.contact-copy p:not(.section-kicker) { margin: 24px 0 32px; color: rgba(255,255,255,.8); }
footer { padding: 70px max(6vw, calc((100vw - var(--max)) / 2)) 28px; display: grid; grid-template-columns: 1.4fr .7fr .7fr; gap: 60px; background: #041b33; color: rgba(255,255,255,.72); }
.footer-brand img { width: 190px; filter: brightness(0) invert(1); }
.footer-brand p { line-height: 1.6; }
footer > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 11px; }
footer strong { color: #fff; margin-bottom: 8px; }
footer a { text-decoration: none; font-size: 14px; }
footer a:hover { color: var(--cyan); }
.footer-bottom { grid-column: 1/-1; border-top: 1px solid rgba(255,255,255,.12); padding-top: 24px; font-size: 12px; }
.chat-launcher { position: fixed; z-index: 45; right: 22px; bottom: 22px; min-height: 52px; border: 0; border-radius: 27px; background: var(--cyan); color: var(--navy); box-shadow: 0 12px 32px rgba(4,25,48,.23); display: flex; align-items: center; gap: 9px; padding: 0 18px; font-weight: 800; }
.chat-launcher svg { width: 21px; }
.chat { position: fixed; z-index: 50; right: 22px; bottom: 86px; width: min(390px, calc(100vw - 32px)); max-height: min(620px, calc(100vh - 120px)); background: #fff; box-shadow: 0 24px 70px rgba(2,19,37,.28); border-radius: 8px; overflow: hidden; transform: translateY(20px) scale(.98); opacity: 0; pointer-events: none; transition: .25s ease; }
.chat.open { transform: none; opacity: 1; pointer-events: auto; }
.chat-head { padding: 18px; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: space-between; }
.chat-head > div { display: flex; align-items: center; gap: 10px; }
.chat-head > div > div { display: grid; gap: 3px; }
.chat-head small { color: rgba(255,255,255,.62); }
.status-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--cyan); box-shadow: 0 0 0 4px rgba(67,214,208,.14); }
.chat-head button { border: 0; background: transparent; color: #fff; width: 36px; height: 36px; }
.chat-body { min-height: 190px; max-height: 310px; overflow-y: auto; padding: 18px; background: #f3f7fa; display: flex; flex-direction: column; gap: 10px; }
.bot-message, .user-message { max-width: 88%; padding: 12px 14px; border-radius: 3px 12px 12px 12px; background: #fff; line-height: 1.45; font-size: 14px; }
.user-message { margin-left: auto; background: var(--blue); color: #fff; border-radius: 12px 3px 12px 12px; }
.chat-options { padding: 14px; display: flex; flex-wrap: wrap; gap: 8px; }
.chat-options button { border: 1px solid #cbd8e1; background: #fff; color: var(--ink); border-radius: 18px; padding: 8px 11px; font-size: 12px; font-weight: 700; }
.chat-options button:hover { border-color: var(--blue); color: var(--blue); }
.chat-options .chat-action { border: 1px solid var(--blue); background: var(--blue); color: #fff; border-radius: 18px; padding: 8px 11px; font-size: 12px; font-weight: 700; text-decoration: none; }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { scroll-behavior: auto !important; animation: none !important; transition: none !important; } .reveal { opacity: 1; transform: none; } }
@media (max-width: 980px) {
  :root { --header-h: 72px; }
  .site-header { padding: 0 20px; }
  .brand { width: 178px; }
  .hero h1 { font-size: 64px; }
  .intro h2, .types h2, .process h2, .faq h2, .contact-section h2, .provider-band h2 { font-size: 52px; }
  .funnel h2 { font-size: 48px; }
  legend { font-size: 34px; }
  .market-evidence-head, .calculator-section { grid-template-columns: 1fr; gap: 44px; }
  .market-evidence-head { align-items: start; }
  .market-numbers { grid-template-columns: 1fr 1fr; }
  .market-numbers article:nth-child(2) { border-right: 0; }
  .market-numbers article:nth-child(n+3) { border-top: 1px solid rgba(255,255,255,.2); }
  .calculator-intro { position: static; }
  .calculator-intro h2 { font-size: 52px; }
  .authority-strip { grid-template-columns: repeat(3, 1fr); }
  .authority-strip > svg { display: none; }
  .authority-stat { grid-column: 1/-1; border-left: 0; border-top: 1px solid var(--line); padding: 16px 0 0; display: flex; align-items: center; gap: 14px; }
  .authority-stat strong { font-size: 30px; }
  .credit-heading, .leadership-copy, .documents-heading, .official-resources { grid-template-columns: 1fr; gap: 30px; }
  .credit-heading h2, .documents-heading h2 { font-size: 52px; }
  .leadership-copy h2 { font-size: 48px; }
  .credit-lines, .leadership-facts { grid-template-columns: 1fr 1fr; }
  .credit-lines article:nth-child(2), .leadership-facts article:nth-child(2) { border-right: 0; }
  .credit-lines article:nth-child(n+3), .leadership-facts article:nth-child(n+3) { border-top: 1px solid var(--line); }
  .leadership-facts article:nth-child(n+3) { border-top-color: rgba(255,255,255,.16); }
  .documents-heading .button { grid-column: auto; margin-top: 0; }
  .submission-rule { grid-column: auto; }
  .resources-title { position: static; }
  nav { position: fixed; inset: 72px 0 auto; background: #fff; color: var(--ink); display: none; flex-direction: column; align-items: stretch; gap: 0; padding: 12px 20px 26px; box-shadow: 0 12px 24px rgba(0,0,0,.1); }
  nav.open { display: flex; }
  nav a { padding: 15px 4px; border-bottom: 1px solid var(--line); }
  .header-cta { display: none; }
  .menu-button { display: flex; }
  .intro-grid, .types, .funnel-inner, .process-title, .provider-band, .faq { grid-template-columns: 1fr; gap: 46px; }
  .types-heading, .funnel-copy, .faq-title { position: static; }
  .benefit-lines, .process-steps { grid-template-columns: 1fr; }
  .benefit-lines article, .benefit-lines article + article, .process-steps li, .process-steps li + li { border-right: 0; border-bottom: 1px solid var(--line); padding: 28px 0; min-height: auto; }
  .process-steps span { margin-bottom: 24px; }
  .hero-proof { flex-wrap: wrap; }
  .types { gap: 56px; }
  .provider-band { align-items: start; }
}
@media (max-width: 640px) {
  .section { padding: 82px 20px; }
  .hero { min-height: 720px; height: 100svh; background-position: 60% center; align-items: flex-end; }
  .hero-shade { background: linear-gradient(180deg, rgba(3,19,37,.2), rgba(3,19,37,.7) 40%, rgba(3,19,37,.96) 78%); }
  .hero-content { width: auto; margin: 0; padding: 110px 20px 44px; }
  .hero h1 { font-size: 50px; }
  .hero-copy { font-size: 16px; }
  .hero-actions { align-items: stretch; flex-direction: column; gap: 18px; }
  .hero-actions .text-link { justify-content: center; }
  .hero-proof { margin-top: 26px; display: grid; gap: 9px; }
  .authority-strip { padding: 26px 20px; grid-template-columns: 1fr; gap: 20px; }
  .authority-strip > div:not(.authority-stat) { padding-bottom: 18px; border-bottom: 1px solid var(--line); }
  .authority-stat { grid-column: auto; border-top: 0; padding: 0; }
  .hero-scroll { display: none; }
  .intro-grid { gap: 28px; }
  .intro h2, .types h2, .funnel h2, .process h2, .faq h2, .provider-band h2, .contact-section h2 { font-size: 40px; }
  .intro-copy { font-size: 16px; }
  .benefit-lines { margin-top: 56px; }
  .market-evidence { padding: 76px 20px; }
  .market-evidence h2 { font-size: 40px; }
  .market-numbers { grid-template-columns: 1fr; margin-top: 44px; }
  .market-numbers article, .market-numbers article + article { min-height: 0; padding: 24px 0; border-right: 0; border-top: 1px solid rgba(255,255,255,.2); }
  .market-numbers strong { font-size: 38px; margin-bottom: 8px; }
  .calculator-intro h2 { font-size: 40px; }
  .calculator-tool { padding: 24px 16px; }
  .calculator-head h3 { font-size: 27px; }
  .calculator-reset span { display: none; }
  .calc-field { min-height: 104px; grid-template-columns: 1fr; gap: 10px; padding: 16px 0; }
  .calc-field .money-input { width: 100%; }
  .calculator-secondary { grid-template-columns: 1fr; }
  .result-primary { padding: 24px 18px; }
  .result-primary strong { font-size: 40px; }
  .result-secondary { grid-template-columns: 1fr; }
  .result-secondary > span { min-height: 70px; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.14); }
  .result-secondary > span:last-child { border-bottom: 0; }
  .chart-legend { display: grid; grid-template-columns: 1fr 1fr; }
  .credit-heading h2, .documents-heading h2 { font-size: 40px; }
  .credit-lines, .leadership-facts { grid-template-columns: 1fr; }
  .credit-lines article, .credit-lines article + article, .leadership-facts article, .leadership-facts article + article { padding: 24px 0; border-right: 0; border-top: 1px solid var(--line); }
  .credit-lines p { min-height: 0; }
  .leadership-band { padding: 78px 20px 48px; }
  .leadership-copy h2 { font-size: 40px; }
  .leadership-facts article, .leadership-facts article + article { border-top-color: rgba(255,255,255,.16); }
  .leadership-facts strong { font-size: 36px; }
  .document-groups summary { grid-template-columns: 34px 1fr 20px; font-size: 19px; }
  .document-groups details > div { padding: 0 0 24px 34px; }
  .document-groups ul { columns: 1; }
  .official-resources { margin-top: 60px; }
  .document-status > div { grid-template-columns: 1fr 1fr; }
  .types { padding: 82px 20px; }
  .type-row { grid-template-columns: 32px 1fr 24px; min-height: 94px; }
  .type-row small { display: none; }
  .type-row strong { font-size: 21px; }
  .funnel { padding: 82px 20px; }
  .lead-form { min-height: 0; padding: 26px 18px; }
  .form-progress { margin-bottom: 34px; }
  .option-grid, .two-columns { grid-template-columns: 1fr; }
  .option-grid .wide, .fields label.full { grid-column: auto; }
  .form-nav { gap: 12px; }
  .form-nav .button { padding: 0 15px; }
  .process-title { gap: 28px; }
  .process-steps { margin-top: 52px; }
  .provider-band { padding: 82px 20px; }
  .faq { gap: 40px; }
  .contact-section { min-height: 640px; align-items: flex-end; }
  .contact-section > img { object-position: 59% center; }
  .contact-shade { background: linear-gradient(180deg, rgba(4,28,55,.08), rgba(4,28,55,.94) 63%); }
  .contact-copy { padding: 210px 20px 70px; }
  footer { padding: 55px 20px 100px; grid-template-columns: 1fr; gap: 35px; }
  .footer-bottom { grid-column: auto; }
  .chat-launcher { right: 14px; bottom: 14px; }
  .chat-launcher span { display: none; }
  .chat-launcher { width: 54px; padding: 0; justify-content: center; }
  .chat { right: 8px; bottom: 78px; width: calc(100vw - 16px); }
}