:root{
  --bg:#f7fbff;
  --ink:#071827;
  --panel:#ffffff;
  --soft:#eef8ff;
  --mint:#12b981;
  --teal:#0f766e;
  --blue:#0ea5e9;
  --darkblue:#0f172a;
  --muted:#64748b;
  --line:#dbeafe;
  --yellow:#facc15;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;
  background:
    radial-gradient(circle at 80% -10%,rgba(14,165,233,.16),transparent 28rem),
    radial-gradient(circle at 5% 18%,rgba(18,185,129,.16),transparent 28rem),
    var(--bg);
  color:var(--ink);
  line-height:1.6;
}
a{color:inherit}
.topbar{
  position:sticky;top:0;z-index:60;
  background:linear-gradient(90deg,var(--teal),var(--blue));
  color:white;text-align:center;padding:.72rem 1rem;font-weight:900;font-size:.92rem;
}
.topbar a{text-decoration:underline;text-underline-offset:3px}
.nav{
  max-width:var(--max);margin:0 auto;padding:1.3rem 1.1rem;
  display:flex;justify-content:space-between;align-items:center;gap:1rem;
}
.brand{display:flex;gap:.7rem;align-items:center;text-decoration:none;font-size:1.25rem;font-weight:950;letter-spacing:-.04em}
.mark{
  width:42px;height:42px;border-radius:14px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--teal),var(--blue));color:white;
  box-shadow:0 14px 38px rgba(14,165,233,.25);font-size:.78rem;
}
.navlinks{display:flex;gap:.2rem;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.navlinks a{color:#334155;text-decoration:none;font-weight:800;font-size:.9rem;padding:.55rem .75rem;border-radius:999px}
.navlinks a:hover{background:#e0f2fe;color:#075985}
.navlinks .pill{background:var(--darkblue);color:white}
.hero{
  max-width:var(--max);margin:0 auto;padding:5rem 1.1rem 3.7rem;
  display:grid;grid-template-columns:1.05fr .95fr;gap:2rem;align-items:center;
}
.eyebrow{color:var(--teal);font-weight:950;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem}
h1,h2,h3{line-height:1.04;margin:0 0 1rem;letter-spacing:-.055em}
h1{font-size:clamp(3rem,7vw,6.35rem)}
h2{font-size:clamp(2rem,4.5vw,4rem)}
h3{font-size:1.35rem}
.lede{font-size:1.24rem;color:#475569;max-width:760px}
.hero-actions,.actions{display:flex;gap:.85rem;flex-wrap:wrap;margin-top:1.75rem}
.btn{
  display:inline-flex;align-items:center;justify-content:center;border-radius:999px;
  padding:.9rem 1.18rem;font-weight:950;text-decoration:none;border:1px solid var(--line);transition:.18s ease;
}
.btn.primary{background:var(--darkblue);border-color:var(--darkblue);color:white}
.btn.secondary{background:white;color:var(--ink);box-shadow:0 10px 30px rgba(15,23,42,.08)}
.btn.money{background:var(--mint);border-color:var(--mint);color:white}
.btn:hover{transform:translateY(-2px)}
.refund-card{
  background:rgba(255,255,255,.82);border:1px solid var(--line);border-radius:34px;padding:1.2rem;
  box-shadow:0 30px 90px rgba(15,23,42,.12);backdrop-filter:blur(16px);
}
.calc{
  background:var(--darkblue);color:white;border-radius:28px;padding:1.2rem;overflow:hidden;position:relative;
}
.calc:before{
  content:"";position:absolute;right:-80px;top:-80px;width:240px;height:240px;border-radius:50%;background:rgba(18,185,129,.24);
}
.calc-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:1rem;position:relative}
.badge{background:#16324a;color:#bae6fd;border-radius:999px;padding:.4rem .65rem;font-weight:850;font-size:.8rem}
.big-refund{font-size:3.2rem;letter-spacing:-.08em;font-weight:950;margin:.7rem 0;color:#86efac}
.field{
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:16px;
  padding:1rem;margin:.75rem 0;display:flex;justify-content:space-between;color:#dbeafe;
}
.progress{height:12px;background:#172554;border-radius:999px;overflow:hidden;margin:1rem 0}
.progress span{display:block;height:100%;width:72%;background:linear-gradient(90deg,var(--mint),var(--blue));border-radius:999px}
.section{max-width:var(--max);margin:0 auto;padding:4rem 1.1rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}
.card,.article-card,.panel{
  background:var(--panel);border:1px solid var(--line);border-radius:26px;padding:1.45rem;
  box-shadow:0 18px 60px rgba(15,23,42,.07);
}
.card p,.article-card p,.panel p,.muted{color:var(--muted)}
.stat{font-size:2.4rem;font-weight:950;letter-spacing:-.08em;color:var(--darkblue)}
.banner{
  border:1px solid var(--line);border-radius:34px;padding:2rem;
  background:linear-gradient(135deg,rgba(18,185,129,.14),rgba(14,165,233,.12)),white;
  box-shadow:0 20px 70px rgba(15,23,42,.07);
}
.article-card{text-decoration:none;display:block}
.article-card:hover{border-color:#7dd3fc}
.meta{color:var(--teal);font-weight:900;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em}
.form-wrap{display:grid;grid-template-columns:.92fr 1.08fr;gap:1rem}
form{display:grid;gap:.85rem}
label{font-weight:850;font-size:.92rem}
input,textarea,select{
  width:100%;border:1px solid var(--line);border-radius:16px;background:#f8fafc;color:var(--ink);padding:1rem;font:inherit;
}
textarea{min-height:145px;resize:vertical}
button{
  border:0;border-radius:999px;background:var(--darkblue);color:white;padding:1rem 1.2rem;font-weight:950;cursor:pointer;font:inherit;
}
.form-message,.form-error{display:none;border-radius:16px;padding:.9rem 1rem;border:1px solid var(--line)}
.form-message{background:#ecfdf5;color:#047857}
.form-error{background:#fff1f2;color:#be123c}
.share{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1rem}
.share button,.share a{
  border:1px solid var(--line);background:white;color:var(--ink);border-radius:999px;padding:.7rem .9rem;text-decoration:none;font-size:.9rem;font-weight:800;
}
.footer{max-width:var(--max);margin:0 auto;padding:3rem 1.1rem 4rem;color:var(--muted);border-top:1px solid var(--line)}
.footer-grid{display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:1rem}
.footer a{color:var(--muted);text-decoration:none;display:block;margin:.35rem 0}
.content{max-width:880px;margin:0 auto;padding:4rem 1.1rem}
.content p,.content li{color:var(--muted);font-size:1.08rem}
.content h2{margin-top:2rem}
.notice{border:1px solid var(--line);background:white;border-radius:22px;padding:1rem}
.date{color:var(--teal);font-weight:800}
.disclaimer{font-size:.85rem;color:#64748b}
@media(max-width:850px){
  .hero,.form-wrap,.grid-2,.footer-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr}
  .nav{align-items:flex-start;flex-direction:column}
  h1{font-size:3.15rem}
}