:root{
  --blue:#3E01FF;--blue-d:#2400A8;--blue-l:#EEEAFF;--red:#FF0A3C;--red-d:#D9002C;
  --ink:#120B33;--ink-2:#4A4466;--line:#E3DFF5;--bg:#fff;--tint:#F6F4FF;
  --r:18px;--sh:0 18px 40px -18px rgba(36,0,168,.35);
  --fh:"Bricolage Grotesque",system-ui,sans-serif;--fb:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 var(--fb);color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
h1,h2,h3{font-family:var(--fh);line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.4vw,4.1rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem);font-weight:800}
h3{font-size:1.2rem;font-weight:600}
p{margin:0 0 1em}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.narrow{width:min(860px,100% - 40px)}
.center{text-align:center}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:99}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--red);outline-offset:2px}

/* announcement + header */
.ann{background:var(--ink);color:#fff;font-size:.86rem;text-align:center;padding:8px 16px}
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;gap:24px;height:70px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font:800 1.25rem var(--fh);letter-spacing:-.02em}
.brand img{border-radius:11px}
.brand-light{color:#fff}
.nav{display:flex;gap:4px;margin-left:auto}
.nav a{color:var(--ink-2);text-decoration:none;font-weight:700;font-size:.95rem;padding:8px 12px;border-radius:10px}
.nav a:hover,.nav a[aria-current]{color:var(--blue);background:var(--blue-l)}
.burger{display:none;background:none;border:0;padding:10px;cursor:pointer}
.burger i{display:block;width:24px;height:2.5px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.2s}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:700 1rem var(--fb);text-decoration:none;border-radius:999px;padding:12px 22px;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn-sm{padding:9px 16px;font-size:.9rem}
.btn-lg{padding:16px 28px;font-size:1.06rem}
.btn-block{width:100%}
.btn-red{background:var(--red);color:#fff;box-shadow:0 12px 26px -10px rgba(255,10,60,.7)}
.btn-red:hover{background:var(--red-d)}
.btn-white{background:#fff;color:var(--blue);border-color:#fff}
.btn-blue{background:var(--blue);color:#fff;box-shadow:var(--sh)}
.cta-row{display:flex;flex-wrap:wrap;gap:14px}

/* hero */
.hero{position:relative;overflow:hidden;background:var(--blue);color:#fff;padding:72px 0 110px}
.hero-shape{position:absolute;right:-8%;top:-10%;width:62%;aspect-ratio:1;background:rgba(255,255,255,.07);
  clip-path:polygon(0 0,38% 0,50% 14%,62% 0,100% 0,100% 70%,50% 100%,0 70%)}
.hero-shape::after{content:"";position:absolute;inset:18%;background:rgba(255,10,60,.22);clip-path:inherit}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:70px;background:#fff;clip-path:polygon(0 100%,50% 0,100% 100%)}
.hero-in{position:relative;display:grid;grid-template-columns:1.35fr .9fr;gap:56px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.25);padding:6px 14px;border-radius:999px;font-weight:700;font-size:.88rem}
.dot{width:8px;height:8px;border-radius:50%;background:var(--red);box-shadow:0 0 0 4px rgba(255,10,60,.3);animation:pulse 1.8s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 8px rgba(255,10,60,0)}}
.hero h1{margin-top:18px}
.h1-sub{display:block;font-size:.42em;font-weight:600;letter-spacing:-.01em;margin-top:12px;color:#DCD3FF}
.lead{font-size:1.14rem;max-width:60ch;opacity:.95}
.ticks{display:flex;flex-wrap:wrap;gap:8px 22px;list-style:none;padding:0;margin:26px 0 0;font-weight:700;font-size:.93rem}
.ticks li::before{content:"✓";color:var(--red);background:#fff;border-radius:50%;display:inline-grid;place-items:center;width:20px;height:20px;font-size:.75rem;margin-right:8px}
.hero-card{background:#fff;color:var(--ink);border-radius:26px;padding:30px;box-shadow:0 40px 80px -30px rgba(0,0,0,.5);transform:rotate(2deg)}
.hero-logo{border-radius:30px;margin:-80px auto 18px;box-shadow:0 20px 40px -12px rgba(0,0,0,.45)}
.hc-row{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-bottom:1px dashed var(--line)}
.hc-row span{color:var(--ink-2);font-weight:600}
.hc-row b{font:800 1.6rem var(--fh);color:var(--blue)}
.hc-row:first-of-type b{color:var(--red)}
.hc-bar{height:10px;border-radius:9px;background:var(--blue-l);margin:18px 0 10px;overflow:hidden}
.hc-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--blue),var(--red));border-radius:9px}
.hero-card small{color:var(--ink-2)}

/* stats */
.stats{margin-top:-30px;position:relative;z-index:2}
.stats-in{display:grid;grid-template-columns:repeat(4,1fr);background:var(--ink);color:#fff;border-radius:var(--r);overflow:hidden}
.stats-in div{padding:22px;text-align:center;border-right:1px solid rgba(255,255,255,.1)}
.stats-in div:last-child{border:0}
.stats-in b{display:block;font:800 2rem var(--fh)}
.stats-in span{font-size:.86rem;opacity:.75}

/* sections */
.sec{padding:88px 0}
.sec-tint{background:var(--tint)}
.kicker{color:var(--red);font-weight:800;text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;margin-bottom:10px}
.sub{color:var(--ink-2);max-width:62ch;margin:0 auto 40px}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}
.feat{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.feat li{background:var(--tint);border:1px solid var(--line);border-radius:var(--r);padding:20px}
.feat b{display:block;font-family:var(--fh);font-size:1.1rem;color:var(--blue)}
.feat span{color:var(--ink-2);font-size:.95rem}
.feat-col{grid-template-columns:1fr}

.steps{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}
.steps li{background:#fff;border-radius:var(--r);padding:26px;border:1px solid var(--line);position:relative}
.steps li span{font:800 2.6rem var(--fh);color:transparent;-webkit-text-stroke:1.5px var(--blue);display:block;margin-bottom:8px}
.steps p{color:var(--ink-2);margin:0;font-size:.96rem}

/* tables */
.two{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--sh)}
.panel-blue{background:var(--blue);color:#fff;border:0}
.panel-blue h3{color:#fff}
.tbl-wrap{overflow-x:auto;border-radius:14px;border:1px solid var(--line);background:#fff}
.tbl{width:100%;border-collapse:collapse;font-size:.97rem;min-width:420px}
.tbl th{background:var(--ink);color:#fff;text-align:left;padding:12px 14px;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em}
.tbl td{padding:11px 14px;border-top:1px solid var(--line);font-variant-numeric:tabular-nums}
.tbl tbody tr:nth-child(even){background:#FAF9FF}
.tbl tbody tr:hover{background:var(--blue-l)}
.tbl .usd{font-weight:800;color:var(--blue)}
.lvl{display:inline-block;background:var(--blue-l);color:var(--blue);font-weight:800;font-size:.8rem;border-radius:7px;padding:2px 8px}
.pct{display:inline-block;min-width:58px;font-weight:800;color:#fff;border-radius:7px;padding:2px 10px;background:linear-gradient(90deg,var(--red) var(--p),var(--blue) var(--p))}
.note{font-size:.9rem;color:var(--ink-2);margin-top:12px}
.panel-blue .note{color:#DCD3FF}
.link-arrow{display:inline-block;margin-top:12px;font-weight:800;text-decoration:none}
.link-arrow.light{color:#fff}
.stage-list{display:grid;gap:8px;margin:18px 0 6px}
.stage{display:grid;grid-template-columns:1fr auto 80px;gap:12px;align-items:center;background:rgba(255,255,255,.1);border-radius:12px;padding:10px 14px}
.stage span{font-weight:600;font-variant-numeric:tabular-nums}
.stage b{background:var(--red);border-radius:8px;padding:2px 10px;font-size:.9rem}
.stage em{font-style:normal;font-weight:800;text-align:right}
.example{background:var(--blue-l);border-left:5px solid var(--blue);border-radius:12px;padding:18px 20px;margin-top:22px}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;max-width:940px;margin:36px auto 0;border-radius:26px;overflow:hidden;box-shadow:var(--sh);background:#fff;border:1px solid var(--line)}
.calc-in{padding:32px;display:flex;flex-direction:column;gap:10px}
.calc-in label{font-weight:800}
.calc-in input[type=number]{font:700 1.3rem var(--fb);padding:12px 14px;border:2px solid var(--line);border-radius:12px;width:100%}
.calc-in input[type=number]:focus{border-color:var(--blue);outline:none}
.calc-in input[type=range]{accent-color:var(--red);width:100%;margin-bottom:12px}
.calc-out{background:var(--ink);color:#fff;padding:32px;display:flex;flex-direction:column;gap:12px}
.calc-out div{display:flex;justify-content:space-between;align-items:baseline;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:10px}
.calc-out b{font:800 1.6rem var(--fh)}
.calc-total{flex-wrap:wrap}
.calc-total b{font-size:2.4rem!important;color:#FF5A78}
.calc-total small{width:100%;text-align:right;opacity:.75}
.calc-out .note{color:#C9C2EA;margin:0}

/* paths */
.paths{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:40px}
.path{border-radius:28px;padding:40px;color:#fff;position:relative;overflow:hidden}
.path::after{content:"";position:absolute;right:-60px;bottom:-60px;width:220px;height:220px;background:rgba(255,255,255,.1);clip-path:polygon(0 0,38% 0,50% 14%,62% 0,100% 0,100% 70%,50% 100%,0 70%)}
.path-host{background:linear-gradient(140deg,var(--blue),var(--blue-d))}
.path-agent{background:linear-gradient(140deg,var(--red),#A8002A)}
.path h3{font-size:1.9rem;font-weight:800}
.path ul{padding:0;list-style:none;margin:0 0 26px}
.path li{padding:6px 0 6px 28px;position:relative}
.path li::before{content:"✓";position:absolute;left:0;font-weight:800}
.path-agent .btn-white{color:var(--red)}
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}
.why div{background:#fff;border-radius:var(--r);padding:26px;border:1px solid var(--line)}
.why h3{color:var(--blue)}
.why p{color:var(--ink-2);margin:0}

/* faq */
.faq{margin-top:34px;display:grid;gap:12px}
.faq details{background:var(--tint);border:1px solid var(--line);border-radius:16px;padding:4px 22px}
.faq summary{cursor:pointer;font-weight:800;font-size:1.06rem;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:800 1.5rem/1 var(--fh);color:var(--red);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq p{color:var(--ink-2)}

.cta-band{background:var(--ink);color:#fff;padding:64px 0}
.cta-band-in{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h2{margin:0;max-width:18ch}

/* inner pages */
.page-hero{background:var(--blue);color:#fff;padding:56px 0 64px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-40px;top:-40px;width:300px;height:300px;background:rgba(255,255,255,.08);clip-path:polygon(0 0,38% 0,50% 14%,62% 0,100% 0,100% 70%,50% 100%,0 70%)}
.page-hero-red{background:linear-gradient(130deg,var(--red),#A8002A)}
.page-hero h1{font-size:clamp(2rem,4.4vw,3.2rem)}
.crumbs{font-size:.88rem;margin-bottom:14px;opacity:.85}
.crumbs a{color:#fff}
.prose h2{font-size:1.6rem;margin-top:1.4em}
.prose ul{padding-left:20px}
.prose li{margin-bottom:8px}

/* forms */
.form-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:start}
.form-card{background:#fff;border:1px solid var(--line);border-radius:26px;padding:34px;box-shadow:var(--sh)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
.fld{display:flex;flex-direction:column;gap:6px;margin-bottom:6px}
.fld label{font-weight:700;font-size:.92rem}
.fld input,.fld select,.fld textarea{font:500 1rem var(--fb);padding:12px 14px;border:2px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);width:100%}
.fld input:focus,.fld select:focus,.fld textarea:focus{border-color:var(--blue);outline:none}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:.93rem;margin:14px 0 20px}
.chk input{width:20px;height:20px;margin-top:2px;accent-color:var(--blue);flex:none}
.hp{position:absolute;left:-5000px}
.alert{background:#FFE8EC;border:1px solid #FFB3C1;color:#9B001F;border-radius:12px;padding:12px 16px;margin-bottom:16px}
.alert p{margin:0}
.success{text-align:center;padding:20px 0}
.success img{margin:0 auto 14px;border-radius:18px}
.side{position:sticky;top:96px}
.checks{list-style:none;padding:0}
.checks li{padding:6px 0 6px 30px;position:relative}
.checks li::before{content:"✓";position:absolute;left:0;top:6px;width:20px;height:20px;border-radius:50%;background:var(--red);color:#fff;font-size:.75rem;display:grid;place-items:center}
.or{margin-top:22px;padding-top:16px;border-top:1px solid var(--line);font-weight:600}

/* footer */
.ftr{background:#0A0620;color:#C9C2EA;padding:64px 0 24px;font-size:.95rem}
.ftr-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px}
.ftr h3{color:#fff;font-size:1rem;margin-bottom:12px}
.ftr a{display:block;color:#C9C2EA;text-decoration:none;padding:3px 0}
.ftr a:hover{color:#fff}
.ftr .brand{display:flex;color:#fff;margin-bottom:12px}
.ftr-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:20px;font-size:.84rem;opacity:.8}
.wa-float{position:fixed;right:18px;bottom:18px;z-index:60;width:58px;height:58px;border-radius:50%;background:#25D366;color:#fff;display:grid;place-items:center;box-shadow:0 12px 26px -8px rgba(0,0,0,.4)}

/* responsive */
@media (max-width:1000px){
  .hero-in,.split,.two,.form-grid{grid-template-columns:1fr}
  .hero-card{max-width:420px;margin:50px auto 0;transform:none}
  .steps{grid-template-columns:1fr 1fr}
  .why{grid-template-columns:1fr 1fr}
  .ftr-grid{grid-template-columns:1fr 1fr}
  .side{position:static}
}
@media (max-width:860px){
  .burger{display:block;margin-left:auto}
  .hdr-cta{display:none}
  .nav{position:fixed;top:70px;left:0;right:0;flex-direction:column;background:#fff;padding:12px 20px 20px;border-bottom:1px solid var(--line);transform:translateY(-130%);transition:transform .25s;margin:0;box-shadow:var(--sh)}
  .nav.open{transform:none}
  .nav a{padding:14px 12px;font-size:1.05rem}
  .burger[aria-expanded=true] i:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .burger[aria-expanded=true] i:nth-child(2){opacity:0}
  .burger[aria-expanded=true] i:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .paths,.calc{grid-template-columns:1fr}
}
@media (max-width:600px){
  .sec{padding:64px 0}
  .hero{padding:48px 0 90px}
  .stats-in{grid-template-columns:1fr 1fr}
  .stats-in div:nth-child(2){border-right:0}
  .stats-in div:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.1)}
  .feat,.steps,.why,.fgrid,.ftr-grid{grid-template-columns:1fr}
  .cta-row .btn{width:100%}
  .path,.form-card,.panel{padding:24px}
  .calc-in,.calc-out{padding:24px}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.two>*,.split>*,.form-grid>*,.hero-in>*,.paths>*,.calc>*{min-width:0}

.minw{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-top:14px;background:linear-gradient(90deg,var(--red),#FF4D6D);color:#fff;border-radius:14px;padding:14px 18px}.minw span{font-weight:700;text-transform:uppercase;letter-spacing:.06em;font-size:.82rem}.minw b{font:800 1.2rem var(--fh)}

.pay{display:grid;grid-template-columns:1fr 1.5fr;gap:28px;align-items:center;margin-top:28px;background:var(--ink);color:#fff;border-radius:24px;padding:30px}
.pay .kicker{color:#FF5A78;margin-bottom:4px}.pay h3{font-size:1.7rem;font-weight:800;margin-bottom:8px}.pay p{color:#C9C2EA;margin-bottom:10px}
.pay-h small{display:inline-block;background:var(--red);border-radius:8px;padding:4px 10px;font-weight:700}
.pay-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.pay-list li{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:18px;display:flex;flex-direction:column;gap:6px}
.pay-list b{font:800 1.1rem var(--fh)}.pay-list small{color:#C9C2EA;font-size:.86rem}
.pay-i{width:52px;height:52px;border-radius:14px;background:#fff;color:var(--blue);display:grid;place-items:center}
.pay-list li:nth-child(3n+2) .pay-i{color:var(--red)}.pay-list li:nth-child(3n) .pay-i{color:#26A17B}
.pay-c{grid-template-columns:1fr;padding:22px;margin:20px 0}.pay-c .pay-list{gap:8px}.pay-c .pay-list li{align-items:center;text-align:center;padding:12px 6px}.pay-c .pay-i{width:42px;height:42px}.pay-c h3{font-size:1.3rem}
@media(max-width:860px){.pay{grid-template-columns:1fr}}
@media(max-width:600px){.pay:not(.pay-c) .pay-list{grid-template-columns:1fr}.pay:not(.pay-c) .pay-list li{flex-direction:row;align-items:center;flex-wrap:wrap}.pay:not(.pay-c) .pay-list small{width:100%}}
.sec-pay{padding:56px 0 0}.sec-pay .pay{margin-top:0}
.meta{opacity:.8;font-size:.9rem;margin:0}
.article{font-size:1.06rem}.article h2{margin-top:1.6em}.article h3{margin-top:1.3em}.article img{border-radius:14px;margin:18px 0}
.article table{border-collapse:collapse;width:100%;margin:16px 0}.article td,.article th{border:1px solid var(--line);padding:9px 12px;text-align:left}.article th{background:var(--tint)}
.article blockquote{margin:18px 0;padding:14px 18px;border-left:5px solid var(--red);background:var(--tint);border-radius:10px}
.inline-cta{margin-top:40px;background:var(--blue-l);border-radius:20px;padding:24px;display:flex;flex-direction:column;gap:14px}.inline-cta b{font:800 1.3rem var(--fh)}
.cards-g{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}
.gcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;text-decoration:none;color:var(--ink);display:flex;flex-direction:column;transition:.15s}
.gcard:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:var(--blue)}
.gcard h2,.gcard h3{font-size:1.2rem;color:var(--blue)}.gcard p{color:var(--ink-2);flex:1}.gcard span{font-weight:800;color:var(--red)}
@media(max-width:900px){.cards-g{grid-template-columns:1fr 1fr}}@media(max-width:600px){.cards-g{grid-template-columns:1fr}}

.ftr-grid{grid-template-columns:1.5fr 1fr 1fr 1fr 1.2fr}
.ftr-bottom a{display:inline;color:inherit;text-decoration:underline}
.legal-nav{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:30px}
.legal-nav a{padding:8px 16px;border-radius:99px;background:var(--tint);border:1px solid var(--line);text-decoration:none;font-weight:700;font-size:.92rem}
.legal-nav a[aria-current]{background:var(--blue);color:#fff;border-color:var(--blue)}
.legal h3{font-size:1.1rem;margin-top:1.2em}
@media (max-width:1000px){.ftr-grid{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.ftr-grid{grid-template-columns:1fr}}

/* mobile: one-line sliders for How it works + Why Voya Agency */
.slide-dots{display:none}
@media (max-width:860px){
  .steps,.why,.feat[data-slider]{display:flex;grid-template-columns:none;overflow-x:auto;scroll-snap-type:x mandatory;gap:14px;
    margin-inline:-20px;padding:6px 20px 14px;scroll-padding-inline:20px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .steps::-webkit-scrollbar,.why::-webkit-scrollbar,.feat[data-slider]::-webkit-scrollbar{display:none}
  .steps>li,.why>div,.feat[data-slider]>li{flex:0 0 78%;scroll-snap-align:start}
  .slide-dots{display:flex;justify-content:center;gap:7px;margin-top:6px}
  .slide-dots button{width:8px;height:8px;padding:0;border:0;border-radius:99px;background:#CFC8F0;cursor:pointer;transition:width .25s,background .25s}
  .slide-dots button.on{width:24px;background:var(--blue)}
}
@media (min-width:601px) and (max-width:860px){.steps>li,.why>div,.feat[data-slider]>li{flex-basis:46%}}
@media (max-width:860px){.split>.slide-dots{margin-top:-46px}}
/* mobile hero: card right after the text, before the buttons */
@media (max-width:1000px){
  .hero-in{display:flex;flex-direction:column;align-items:stretch;gap:0}
  .hero-copy{display:contents}
  .hero-copy .eyebrow{order:1;align-self:flex-start}
  .hero-copy h1{order:2}
  .hero-copy .lead{order:3}
  .hero-card{order:4;margin:64px auto 30px;width:100%}
  .hero-copy .cta-row{order:5}
  .hero-copy .ticks{order:6}
}
/* mobile hero ticks: neat 2-column grid */
@media (max-width:1000px){
  .ticks{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:22px}
  .ticks li{display:flex;align-items:center;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:12px;padding:10px 12px;font-size:.9rem;line-height:1.25}
  .ticks li::before{flex:none}
  .ticks li:last-child:nth-child(odd){grid-column:1 / -1;justify-content:center}
}
@media (max-width:1000px){.ticks li{white-space:nowrap}}
@media (max-width:400px){.ticks{gap:8px}.ticks li{font-size:.84rem;padding:10px 9px}.ticks li::before{margin-right:6px;width:18px;height:18px}}
@media (max-width:400px){.stage{grid-template-columns:1fr auto auto;gap:8px;padding:10px 10px;font-size:.9rem}.stage em{min-width:58px}}

/* ===== footer v2 ===== */
.ftr-grid{display:grid;grid-template-columns:1.6fr repeat(5,1fr);gap:32px}
.ftr-grid:not(:has(.fc-guides)){grid-template-columns:1.6fr repeat(4,1fr)}
.fc-guides a{font-size:.9rem;line-height:1.4;padding:5px 0}
.ftr-cta{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.ftr .ftr-cta .btn{display:inline-flex;padding:8px 14px;font-size:.85rem}
.ftr .ftr-cta .btn-red{color:#fff}.ftr .ftr-cta .btn-white{color:var(--blue)}
.ftr .chip{word-break:break-word}
@media (max-width:1100px){.ftr-grid,.ftr-grid:not(:has(.fc-guides)){grid-template-columns:repeat(3,1fr)}.fc-brand{grid-column:1/-1}}
@media (max-width:640px){
  .ftr{padding:48px 0 90px}
  .ftr-grid,.ftr-grid:not(:has(.fc-guides)){grid-template-columns:1fr 1fr;gap:30px 20px}
  .fc-brand{grid-column:1/-1;text-align:center;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.1)}
  .fc-brand .brand{justify-content:center}
  .ftr-cta{justify-content:center}.ftr .ftr-cta .btn{flex:1 1 140px}
  .fc-guides,.fc-contact{grid-column:1/-1}
  .fc-guides{order:5}.fc-contact{order:6}
  .fc-guides a{border-bottom:1px solid rgba(255,255,255,.07);padding:9px 0}
  .fc-guides a:last-child{border-bottom:0}
  .fc-contact{display:flex;flex-wrap:wrap;gap:8px}.fc-contact h3{width:100%;margin-bottom:4px}
  .ftr .chip{display:inline-block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:99px;padding:9px 14px;font-size:.9rem}
  .ftr h3{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:#FF5A78}
  .ftr a{padding:6px 0}
  .ftr-bottom{flex-direction:column;align-items:center;text-align:center;margin-top:30px}
}
/* mobile menu: fully hidden until opened */
@media (max-width:860px){.nav{visibility:hidden}.nav.open{visibility:visible}}
@media (max-width:640px){.fc-legal{grid-column:1/-1;display:grid;grid-template-columns:1fr 1fr;column-gap:20px}.fc-legal h3{grid-column:1/-1}}
@media (min-width:1101px){
  .ftr-grid{grid-template-columns:1.5fr .9fr .9fr 1.3fr 1fr 1.35fr;gap:28px}
  .ftr-grid:not(:has(.fc-guides)){grid-template-columns:1.6fr 1fr 1fr 1fr 1.35fr}
  .ftr .chip{word-break:normal;overflow-wrap:anywhere}
}

/* ===== WhatsApp popup ===== */
.wa{position:fixed;right:18px;bottom:18px;z-index:80;display:flex;flex-direction:column;align-items:flex-end;gap:12px;font-family:var(--fb)}
.wa .wa-float{position:relative;right:auto;bottom:auto;border:0;cursor:pointer;animation:waPulse 2.4s infinite}
@keyframes waPulse{0%{box-shadow:0 0 0 0 rgba(37,211,102,.55),0 12px 26px -8px rgba(0,0,0,.4)}70%{box-shadow:0 0 0 16px rgba(37,211,102,0),0 12px 26px -8px rgba(0,0,0,.4)}100%{box-shadow:0 0 0 0 rgba(37,211,102,0),0 12px 26px -8px rgba(0,0,0,.4)}}
.wa-badge{position:absolute;top:-3px;right:-3px;min-width:21px;height:21px;border-radius:99px;background:var(--red);color:#fff;font-size:.75rem;font-weight:800;display:grid;place-items:center;border:2px solid #fff}
.wa-badge[hidden],.wa-tip[hidden],.wa-box[hidden]{display:none}
.wa-tip{position:relative;background:#fff;color:var(--ink);font-weight:700;font-size:.92rem;padding:12px 34px 12px 16px;border-radius:16px 16px 4px 16px;box-shadow:0 14px 34px -12px rgba(0,0,0,.35);max-width:240px;animation:waIn .35s ease}
.wa-tip-x{position:absolute;top:4px;right:6px;border:0;background:none;font-size:1.1rem;color:#888;cursor:pointer;line-height:1;padding:4px}
.wa-box{width:min(340px,calc(100vw - 36px));background:#fff;border-radius:20px;overflow:hidden;box-shadow:0 30px 60px -20px rgba(0,0,0,.45);animation:waIn .3s ease;transform-origin:bottom right}
@keyframes waIn{from{opacity:0;transform:translateY(12px) scale(.96)}to{opacity:1;transform:none}}
.wa-head{display:flex;align-items:center;gap:12px;background:#075E54;color:#fff;padding:14px 16px}
.wa-head b{display:block;font-size:1rem}.wa-head small{opacity:.85;font-size:.8rem}
.wa-av{position:relative;flex:none}.wa-av img{border-radius:50%;background:#fff}
.wa-on{position:absolute;right:0;bottom:2px;width:11px;height:11px;border-radius:50%;background:#25D366;border:2px solid #075E54}
.wa-x{margin-left:auto;background:rgba(255,255,255,.15);border:0;color:#fff;width:30px;height:30px;border-radius:50%;font-size:1.3rem;line-height:1;cursor:pointer}
.wa-body{background:#ECE5DD;padding:16px;max-height:52vh;overflow:auto}
.wa-msg{position:relative;background:#fff;border-radius:0 12px 12px 12px;padding:10px 12px 18px;font-size:.93rem;line-height:1.5;color:#222;box-shadow:0 1px 1px rgba(0,0,0,.08);max-width:92%}
.wa-time{position:absolute;right:10px;bottom:4px;font-size:.7rem;color:#999}
.wa-opts{display:flex;flex-direction:column;gap:8px;margin-top:12px}
.wa-opts a{background:#fff;border:1.5px solid #25D366;color:#075E54;border-radius:12px;padding:10px 12px;font-weight:700;font-size:.9rem;text-decoration:none;transition:.15s}
.wa-opts a:hover{background:#25D366;color:#fff}
.wa-start{display:flex;align-items:center;justify-content:center;gap:8px;background:#25D366;color:#fff;font-weight:800;text-decoration:none;padding:14px;font-size:.98rem}
.wa-start svg{width:22px;height:22px}.wa-start:hover{background:#1EBE5A}
@media (max-width:600px){.wa{right:12px;bottom:12px}.wa-box{width:calc(100vw - 24px)}}
@media (prefers-reduced-motion:reduce){.wa .wa-float{animation:none}}
.wa-body{padding:16px 16px 20px}.wa-start{margin:0;font-size:1.05rem;padding:16px}
/* compact Host / Agent cards */
.path{padding:28px 32px;border-radius:24px;display:flex;flex-direction:column}
.path h3{font-size:1.55rem;margin-bottom:.35em}
.path p{font-size:.96rem;line-height:1.55;margin-bottom:14px}
.path ul{display:grid;grid-template-columns:1fr 1fr;gap:2px 18px;margin:0 0 18px}
.path li{padding:4px 0 4px 24px;font-size:.92rem;line-height:1.4}
.path .btn-lg{padding:12px 22px;font-size:.98rem;align-self:flex-start;margin-top:auto}
.path::after{width:150px;height:150px;right:-40px;bottom:-40px}
@media (max-width:600px){.path{padding:24px 20px}.path ul{grid-template-columns:1fr}.path .btn-lg{align-self:stretch}}