:root {
  --blue:#1a8dc7; --blue2:#1278aa; --blue3:#e8f5fc;
  --orange:#efa12f; --orange2:#d98e1f; --orange3:#fff8ed;
  --red:#da293c; --navy:#1a2e44; --navy2:#1a8dc7;
  --bg:#f0f7fd; --card:#FFFFFF; --border:#cce5f4; --muted:#5a6e82;
  --amber:#efa12f;
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;font-family:'Urbanist',system-ui,sans-serif;}
body{background:#fff;color:var(--navy);-webkit-font-smoothing:antialiased;}

/* TRUST BAR */
.trust-bar{background:var(--blue);color:#fff;padding:9px 20px;font-size:13px;font-weight:700;display:flex;align-items:center;justify-content:center;min-height:38px;text-align:center;}
.trust-bar-item{display:flex;align-items:center;justify-content:center;gap:7px;opacity:.95;white-space:nowrap;}
.trust-bar-item svg{width:15px;height:15px;flex-shrink:0;}
.trust-ribbon span{display:inline-block;transition:opacity .25s ease,transform .25s ease;}
.trust-ribbon.changing span{opacity:0;transform:translateY(4px);}

/* HEADER */
.header{padding:14px 40px;border-bottom:1px solid var(--border);background:#fff;position:sticky;top:0;z-index:100;display:flex;align-items:center;justify-content:space-between;box-shadow:0 2px 12px rgba(26,141,199,.08);}
.brand{display:flex;align-items:center;gap:12px;}
.brand-logo{height:48px;width:auto;display:block;}
.header-cta{background:var(--orange);color:#fff;border:none;border-radius:10px;padding:10px 22px;font-size:14px;font-weight:700;cursor:pointer;text-decoration:none;display:inline-block;transition:background .2s,transform .15s;}
.header-cta:hover{background:var(--orange2);transform:translateY(-1px);}

/* TICKER */
.sp-ticker{background:#fff;border-bottom:1px solid var(--border);padding:11px 24px;display:flex;align-items:center;justify-content:center;gap:22px;flex-wrap:wrap;z-index:3;box-shadow:0 4px 16px rgba(26,141,199,.07);}
.sp-avatars{display:flex;align-items:center;}
.sp-avatar{width:30px;height:30px;border-radius:50%;border:2.5px solid #fff;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:800;color:#fff;margin-left:-9px;flex-shrink:0;position:relative;}
.sp-avatar:first-child{margin-left:0;}
.sp-avatar-live::after{content:'';position:absolute;bottom:0;right:0;width:9px;height:9px;background:#4ade80;border-radius:50%;border:2px solid #fff;animation:plive 2s ease-in-out infinite;}
.avatar-orange{background:#E8762C;}
.avatar-navy{background:#1B2A4A;}
.avatar-red{background:#C94B3A;}
.avatar-green{background:#2E7D50;}
.avatar-indigo{background:#253660;}
@keyframes plive{0%,100%{box-shadow:0 0 0 0 rgba(74,222,128,.5)}50%{box-shadow:0 0 0 5px rgba(74,222,128,0)}}
.sp-text{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:600;color:var(--navy);}
.sp-count{font-size:17px;font-weight:900;color:var(--blue);letter-spacing:-.4px;font-variant-numeric:tabular-nums;min-width:52px;display:inline-block;transition:transform .3s cubic-bezier(.34,1.56,.64,1),color .3s ease;}
.sp-vdiv{width:1px;height:22px;background:var(--border);}
.sp-live-badge{display:inline-flex;align-items:center;gap:5px;background:#e8f5fc;border:1px solid #9fd3ef;border-radius:50px;padding:3px 10px;font-size:12px;font-weight:800;color:#1278aa;}
.sp-live-dot{width:7px;height:7px;background:var(--blue);border-radius:50%;animation:plive 1.6s ease-in-out infinite;}

/* HERO */
.hero{background:linear-gradient(150deg,#1a8dc7 0%,#2aa8e0 50%,#5ec5f0 100%);color:#fff;padding:82px 20px 155px;text-align:center;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;top:-80px;right:-60px;width:480px;height:480px;background:radial-gradient(circle,rgba(255,255,255,.18) 0%,transparent 65%);pointer-events:none;}
.hero::after{content:'';position:absolute;bottom:-30px;left:-50px;width:360px;height:360px;background:radial-gradient(circle,rgba(239,161,47,.2) 0%,transparent 65%);pointer-events:none;}
.hero-inner{max-width:740px;margin:0 auto;position:relative;}
.hero-badge{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.22);border:1px solid rgba(255,255,255,.4);border-radius:50px;padding:6px 14px;font-size:13px;font-weight:700;margin-bottom:20px;color:#fff;}
.hero-badge-dot{width:8px;height:8px;background:#efa12f;border-radius:50%;animation:pdot 2s ease-in-out infinite;}
@keyframes pdot{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.65;transform:scale(1.3)}}
.hero h1{font-size:50px;font-weight:900;letter-spacing:-1.2px;line-height:1.08;margin-bottom:18px;text-shadow:0 2px 12px rgba(0,0,0,.12);}
.hero h1 .hl{position:relative;white-space:nowrap;color:#fff3c4;}
.hero h1 .hl::after{content:'';position:absolute;bottom:1px;left:0;right:0;height:3px;background:rgba(239,161,47,.6);border-radius:2px;}
.hero p{font-size:18px;font-weight:500;opacity:.95;max-width:530px;margin:0 auto 32px;line-height:1.6;}
.hero-stats{display:flex;align-items:center;justify-content:center;gap:32px;flex-wrap:wrap;}
.hero-stat{display:flex;flex-direction:column;align-items:center;}
.hero-stat-num{font-size:26px;font-weight:900;letter-spacing:-.6px;}
.hero-stat-label{font-size:13px;font-weight:500;opacity:.82;margin-top:2px;}
.hero-stat-div{width:1px;height:40px;background:rgba(255,255,255,.3);}

/* TILES */
.tiles-section{max-width:1220px;margin:-92px auto 0;padding:0 20px 72px;position:relative;z-index:2;}
.tiles-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:18px;}
.tile{text-decoration:none;color:inherit;background:var(--card);border:1.5px solid var(--border);border-radius:18px;padding:30px 18px 26px;text-align:center;transition:transform .22s,border-color .22s,box-shadow .22s;box-shadow:0 6px 20px rgba(26,141,199,.08);display:flex;flex-direction:column;align-items:center;justify-content:flex-start;position:relative;overflow:hidden;}
.tiles-grid .tile{flex:0 1 calc((100% - 90px) / 6);min-width:150px;}
.tile.is-hidden{display:none;}
.tile::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(26,141,199,.06) 0%,transparent 60%);opacity:0;transition:opacity .25s;}
.tile:hover{transform:translateY(-8px);border-color:rgba(26,141,199,.45);box-shadow:0 18px 44px rgba(26,141,199,.18);}
.tile:hover::before{opacity:1;}
.tile-icon{width:56px;height:56px;background:#e8f5fc;border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:14px;transition:background .22s;}
.tile:hover .tile-icon{background:rgba(26,141,199,.15);}
.tile-icon svg{width:26px;height:26px;stroke:var(--blue);transition:stroke .22s;}
.tile h3{font-size:15px;font-weight:800;letter-spacing:-.3px;white-space:nowrap;line-height:1.2;color:var(--navy);}
.tile span{display:block;margin-top:5px;font-size:13px;font-weight:500;color:var(--muted);line-height:1.3;}
.tile-cta{display:inline-flex;align-items:center;gap:4px;margin-top:14px;font-size:13px;font-weight:700;color:var(--blue);opacity:0;transform:translateY(4px);transition:opacity .22s,transform .22s;}
.tile:hover .tile-cta{opacity:1;transform:translateY(0);}

/* HOW */
.how{background:#fff;padding:80px 20px;border-top:1px solid var(--border);border-bottom:1px solid var(--border);}
.sec-label{text-align:center;font-size:12px;font-weight:800;color:var(--blue);letter-spacing:1.2px;text-transform:uppercase;margin-bottom:10px;}
.sec-title{text-align:center;font-size:32px;font-weight:900;letter-spacing:-.6px;color:var(--navy);margin-bottom:48px;}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;max-width:880px;margin:0 auto;position:relative;}
.steps::before{content:'';position:absolute;top:36px;left:calc(16.66% + 16px);right:calc(16.66% + 16px);height:2px;background:repeating-linear-gradient(to right,var(--border) 0,var(--border) 8px,transparent 8px,transparent 16px);pointer-events:none;}
.step{text-align:center;padding:0 12px;}
.step-num{width:56px;height:56px;background:var(--orange);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:900;color:#fff;margin:0 auto 18px;z-index:1;position:relative;box-shadow:0 6px 18px rgba(239,161,47,.4);}
.step h4{font-size:17px;font-weight:800;letter-spacing:-.3px;margin-bottom:8px;color:var(--navy);}
.step p{font-size:14px;font-weight:500;color:var(--muted);line-height:1.6;}

/* CAROUSEL */
.trust{background:var(--bg);padding:72px 20px;text-align:center;}
.trust h2{font-size:28px;font-weight:900;letter-spacing:-.5px;margin-bottom:28px;color:var(--navy);}
.carousel-wrapper{overflow:hidden;width:100%;mask-image:linear-gradient(to right,transparent,black 80px,black calc(100% - 80px),transparent);-webkit-mask-image:linear-gradient(to right,transparent,black 80px,black calc(100% - 80px),transparent);}
.carousel-track{display:flex;align-items:center;gap:18px;width:max-content;animation:cscroll 36s linear infinite;will-change:transform;}
.carousel-item{width:190px;height:84px;background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:14px 18px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.provider-logo{display:block;max-width:100%;max-height:56px;width:auto;height:auto;object-fit:contain;}
@keyframes cscroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* GUARANTEE BAND */
.guarantee{background:linear-gradient(135deg,#1278aa 0%,#1a8dc7 50%,#2aa8e0 100%);padding:60px 20px;color:#fff;}
.guarantee-inner{max-width:900px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:32px;}
.guarantee-item{text-align:center;padding:0 12px;}
.g-icon{width:60px;height:60px;background:rgba(255,255,255,.2);border-radius:18px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:28px;}
.guarantee-item h4{font-size:17px;font-weight:800;margin-bottom:8px;letter-spacing:-.3px;}
.guarantee-item p{font-size:14px;font-weight:500;opacity:.82;line-height:1.6;}

/* REVIEWS */
.social-proof{background:var(--bg);padding:68px 20px;border-top:1px solid var(--border);}
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:960px;margin:0 auto;}
.review-card{background:#fff;border:1.5px solid var(--border);border-radius:16px;padding:26px 24px;box-shadow:0 4px 18px rgba(26,141,199,.07);}
.stars{color:var(--orange);font-size:16px;margin-bottom:12px;letter-spacing:1px;}
.review-text{font-size:15px;font-weight:500;color:var(--navy);line-height:1.65;margin-bottom:16px;}
.reviewer{display:flex;align-items:center;gap:10px;}
.rev-avatar{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:800;color:#fff;flex-shrink:0;}
.rev-avatar-orange{background:var(--orange);}
.rev-avatar-navy{background:var(--navy);}
.rev-avatar-red{background:var(--red);}
.rev-name{font-size:14px;font-weight:700;color:var(--navy);}
.rev-meta{font-size:12px;font-weight:500;color:var(--muted);margin-top:1px;}

/* DISCLAIMER */
.disclaimer{max-width:1100px;margin:0 auto;padding:40px 20px;font-size:12px;line-height:1.75;color:var(--muted);text-align:center;}

/* FOOTER */
.site-footer{border-top:1px solid var(--border);background:#fff;padding:22px 20px;}
.footer-inner{max-width:1220px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px;font-size:13px;color:var(--muted);}
.footer-links a{color:var(--muted);text-decoration:none;font-weight:600;}
.footer-links a:hover{color:var(--blue);text-decoration:underline;}
.footer-links span{margin:0 8px;}

/* STICKY BAR */
.sticky-bar{position:fixed;bottom:0;left:0;right:0;background:var(--navy);color:#fff;padding:14px 20px;display:flex;align-items:center;justify-content:center;gap:18px;z-index:200;transform:translateY(100%);transition:transform .35s ease;border-top:3px solid var(--orange);flex-wrap:wrap;}
.sticky-bar.visible{transform:translateY(0);}
.sticky-bar-text{font-size:15px;font-weight:700;letter-spacing:-.2px;}
.sticky-bar-btn{background:var(--orange);color:#fff;border:none;border-radius:10px;padding:10px 24px;font-size:14px;font-weight:800;cursor:pointer;transition:background .2s,transform .15s;white-space:nowrap;font-family:inherit;}
.sticky-bar-btn:hover{background:var(--orange2);transform:scale(1.03);}
.sticky-bar-close{background:none;border:none;color:rgba(255,255,255,.5);cursor:pointer;font-size:20px;line-height:1;padding:4px;}

/* TOAST */
.sp-toast-wrap{position:fixed;bottom:80px;left:24px;z-index:300;display:flex;flex-direction:column;gap:10px;pointer-events:none;}
.sp-toast{background:#fff;border:1px solid var(--border);border-radius:14px;padding:12px 16px;display:flex;align-items:center;gap:12px;box-shadow:0 8px 32px rgba(26,141,199,.14);max-width:290px;pointer-events:all;animation:tin .4s cubic-bezier(.34,1.56,.64,1) forwards, tout .35s ease 4.2s forwards;transform:translateX(-120%);opacity:0;}
@keyframes tin{to{transform:translateX(0);opacity:1}}
@keyframes tout{to{transform:translateX(-120%);opacity:0}}
.sp-toast-av{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800;color:#fff;flex-shrink:0;}
.sp-toast-main{flex:1;min-width:0;}
.sp-toast-name{font-size:13px;font-weight:800;color:var(--navy);margin-bottom:2px;}
.sp-toast-act{font-size:12px;font-weight:500;color:var(--muted);line-height:1.4;}
.sp-toast-act strong{color:var(--blue);font-weight:700;}
.sp-toast-time{font-size:11px;color:var(--muted);font-weight:500;flex-shrink:0;}

/* POPUP */
.popup-overlay{position:fixed;inset:0;background:rgba(10,25,45,.6);backdrop-filter:blur(5px);-webkit-backdrop-filter:blur(5px);z-index:9999;display:flex;align-items:center;justify-content:center;padding:20px;opacity:0;pointer-events:none;transition:opacity .35s ease;}
.popup-overlay.active{opacity:1;pointer-events:all;}
.popup{background:#fff;border-radius:24px;width:100%;max-width:430px;max-height:92vh;overflow-y:auto;box-shadow:0 32px 80px rgba(10,25,45,.28);transform:translateY(32px) scale(.95);transition:transform .4s cubic-bezier(.34,1.46,.64,1),opacity .35s ease;opacity:0;position:relative;}
.popup-overlay.active .popup{transform:translateY(0) scale(1);opacity:1;}
.popup-header{background:linear-gradient(135deg,#1278aa 0%,#1a8dc7 55%,#2aa8e0 100%);padding:32px 32px 26px;color:#fff;position:relative;text-align:center;}
.popup-close{position:absolute;top:14px;right:16px;background:rgba(255,255,255,.2);border:none;border-radius:50%;width:34px;height:34px;display:flex;align-items:center;justify-content:center;cursor:pointer;color:#fff;font-size:20px;line-height:1;transition:background .2s;}
.popup-close:hover{background:rgba(255,255,255,.35);}
.popup-icon{width:60px;height:60px;background:rgba(255,255,255,.2);border-radius:18px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-size:28px;}
.popup-eyebrow{font-size:11px;font-weight:800;letter-spacing:1.4px;text-transform:uppercase;opacity:.8;margin-bottom:8px;}
.popup-header h2{font-size:24px;font-weight:900;letter-spacing:-.5px;line-height:1.2;margin-bottom:8px;}
.popup-header p{font-size:14px;font-weight:500;opacity:.9;line-height:1.5;}
.popup-urgency{background:#fff8ed;border-top:1px solid #fde0a8;padding:9px 20px;display:flex;align-items:center;justify-content:center;gap:7px;font-size:13px;font-weight:700;color:#96600a;}
.urgency-dot{width:8px;height:8px;background:var(--orange);border-radius:50%;animation:plive 1.6s ease-in-out infinite;flex-shrink:0;}
.popup-body{padding:26px 32px 30px;}
.popup-fields{display:flex;flex-direction:column;gap:14px;margin-bottom:18px;}
.popup-field{display:flex;flex-direction:column;gap:5px;}
.popup-field label{font-size:12px;font-weight:700;color:var(--navy);letter-spacing:.2px;}
.popup-field input,.popup-field select{border:1.5px solid var(--border);border-radius:11px;padding:12px 14px;font-size:15px;font-weight:500;color:var(--navy);background:var(--bg);outline:none;transition:border-color .2s,box-shadow .2s,background .2s;width:100%;font-family:inherit;-webkit-appearance:none;appearance:none;}
.popup-field input:focus,.popup-field select:focus{border-color:var(--blue);background:#fff;box-shadow:0 0 0 3px rgba(26,141,199,.12);}
.popup-field input::placeholder{color:#9ca3af;}
.popup-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
.popup-submit{width:100%;background:linear-gradient(135deg,var(--orange) 0%,var(--orange2) 100%);color:#fff;border:none;border-radius:13px;padding:15px 20px;font-size:16px;font-weight:800;cursor:pointer;letter-spacing:-.3px;transition:transform .18s,box-shadow .18s;box-shadow:0 6px 22px rgba(239,161,47,.4);display:flex;align-items:center;justify-content:center;gap:8px;font-family:inherit;}
.popup-submit:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(239,161,47,.5);}
.popup-trust{display:flex;align-items:center;justify-content:center;gap:16px;margin-top:14px;flex-wrap:wrap;}
.popup-trust-item{display:flex;align-items:center;gap:5px;font-size:12px;font-weight:600;color:var(--muted);}
.popup-trust-item svg{width:13px;height:13px;flex-shrink:0;}
.popup-success{padding:48px 32px;text-align:center;display:none;}
.popup-success-icon{width:72px;height:72px;background:#e8f5fc;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-size:32px;}
.popup-success h3{font-size:22px;font-weight:900;color:var(--navy);letter-spacing:-.4px;margin-bottom:10px;}
.popup-success p{font-size:15px;font-weight:500;color:var(--muted);line-height:1.6;margin-bottom:24px;}
.popup-success-btn{display:inline-block;background:var(--blue);color:#fff;border:none;border-radius:12px;padding:13px 28px;font-size:15px;font-weight:800;cursor:pointer;transition:background .2s;font-family:inherit;}
.popup-success-btn:hover{background:var(--blue2);}

/* RESPONSIVE */
@media(max-width:1100px){.tiles-grid .tile{flex-basis:calc((100% - 36px) / 3);}.guarantee-inner{grid-template-columns:repeat(3,1fr);}}
@media(max-width:860px){.steps{grid-template-columns:1fr;gap:20px;}.steps::before{display:none;}.reviews-grid{grid-template-columns:1fr;}.guarantee-inner{grid-template-columns:1fr;gap:20px;}}
@media(max-width:768px){
  .header{padding:14px 18px;}.header-cta{display:none;}
  .hero{padding:68px 16px 135px;}.hero h1{font-size:34px;}.hero p{font-size:16px;}
  .tiles-section{margin:-76px auto 0;padding:0 14px 56px;}
  .tiles-grid{gap:14px;}
  .tiles-grid .tile{flex-basis:calc((100% - 14px) / 2);min-width:0;}
  .tile{padding:26px 14px 22px;}.tile h3{font-size:14px;white-space:normal;}
  .tile-cta{opacity:1;transform:none;}
  .footer-inner{flex-direction:column;text-align:center;}
}
@media(max-width:520px){
  .popup-header{padding:24px 20px 20px;}.popup-body{padding:20px 20px 24px;}
  .popup-row{grid-template-columns:1fr;}
}
@media(max-width:500px){.sp-toast-wrap{left:12px;right:12px;bottom:72px;}.sp-toast{max-width:100%;}}