:root{--blue:#1F5A8A;--green:#3BA776;--bg:#FAF8F4;--text:#2B2B2B}
*{box-sizing:border-box}
html{font-size:100%}
body{margin:0;background:var(--bg);color:var(--text);font:1.125rem/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
.wrap{max-width:46rem;margin:0 auto;padding:0 1.25rem}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--green);outline-offset:3px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.75rem;z-index:10}
.skip:focus{left:0}
header.hero{background:var(--blue);color:#fff;padding:3rem 0 2.5rem}
.brand{font-weight:700;font-size:1.25rem;margin:0 0 1.5rem;letter-spacing:.01em}
h1{font-size:2.1rem;line-height:1.2;margin:0 0 .75rem}
.sub{font-size:1.3rem;margin:0 0 1.5rem}
.btn{display:inline-block;background:var(--green);color:#10281d;font-weight:700;font-size:1.125rem;border:0;border-radius:.5rem;padding:.9rem 1.6rem;min-height:3rem;cursor:pointer;text-decoration:none}
.btn:hover{background:#4bbb88}
.trust{padding:1rem 0;background:#fff;border-bottom:1px solid #e5e0d6;font-size:1rem}
.trust ul{list-style:none;margin:0 auto;padding:0 1.25rem;display:flex;flex-wrap:wrap;gap:.5rem 1.5rem}
.trust li::before{content:"✓ ";color:var(--green);font-weight:700}
section{padding:2.5rem 0}
h2{color:var(--blue);font-size:1.6rem;line-height:1.3;margin:0 0 1rem}
ol.steps{padding-left:1.4rem}
ol.steps li{margin-bottom:.9rem}
details{background:#fff;border:1px solid #e5e0d6;border-radius:.5rem;margin-bottom:.75rem;padding:.25rem 1rem}
summary{cursor:pointer;font-weight:600;padding:.7rem 0;min-height:2.75rem}
details p{margin:.25rem 0 1rem}
form{background:#fff;border:1px solid #e5e0d6;border-radius:.75rem;padding:1.5rem}
label{display:block;font-weight:600;margin:1rem 0 .3rem}
.opt{font-weight:400;color:#555}
input[type=text],input[type=email]{width:100%;font:inherit;padding:.75rem;border:2px solid #8a8a8a;border-radius:.5rem;min-height:3rem}
.consent{display:flex;gap:.75rem;align-items:flex-start;margin:1.25rem 0;font-size:1rem}
.consent input{width:1.5rem;height:1.5rem;flex:none;margin-top:.2rem;accent-color:var(--blue)}
.consent label{margin:0;font-weight:400}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
#msg{margin-top:1rem;font-weight:600}
#msg.err{color:#a11d1d}
#msg.ok{color:#1d6b46}
footer{background:#fff;border-top:1px solid #e5e0d6;padding:2rem 0;font-size:1rem}
footer p{margin:.4rem 0}
@media(min-width:700px){h1{font-size:2.8rem}header.hero{padding:4rem 0 3.5rem}}
@media(prefers-reduced-motion:no-preference){.btn{transition:background .15s}}

/* ---- 2026-11 redesign: lively, savings-focused ---- */
.banner{background:var(--green);color:#0d2418;text-align:center;font-weight:700;font-size:1.05rem;padding:.65rem 0}
.banner p{margin:0}
header.hero{background:radial-gradient(circle at 85% 15%,rgba(59,167,118,.55) 0,rgba(59,167,118,0) 45%),radial-gradient(circle at 10% 100%,rgba(255,255,255,.12) 0,rgba(255,255,255,0) 40%),linear-gradient(135deg,#1F5A8A 0%,#18486f 60%,#1b6a66 100%);padding:2.25rem 0 2.25rem}
.btn-lg{font-size:1.3rem;padding:1.05rem 2rem;min-height:3.5rem;box-shadow:0 4px 0 #2a8059}
.btn-lg:active{transform:translateY(2px);box-shadow:0 2px 0 #2a8059}
.badges{margin:1.25rem 0 0;display:flex;flex-wrap:wrap;gap:.5rem}
.badge{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.4);border-radius:2rem;padding:.25rem .9rem;font-size:1rem;font-weight:600}
section{padding:1.5rem 0}
.tint{background:#eef6f1}
.trust ul.wrap{padding:0 1.25rem}
.ic{width:2.25rem;height:2.25rem;flex:none;color:var(--green)}
ol.steps{list-style:none;padding:0;margin:0}
ol.steps li{display:flex;gap:.9rem;align-items:flex-start;background:#fff;border:1px solid #e5e0d6;border-left:6px solid var(--green);border-radius:.5rem;padding:.9rem 1rem;margin-bottom:.7rem}
.why{display:flex;gap:.9rem;align-items:flex-start;margin:0}
h2{margin-bottom:.75rem}
details[open]{border-color:var(--green)}
.cta{background:linear-gradient(135deg,#e3f3ea,#eef6f1);text-align:center}
.cta h2{margin-bottom:1rem}
footer{margin-top:1rem}
.brand{margin:0 0 1.25rem}.brand img{display:block;max-width:100%;height:auto}
.why2{margin:.9rem 0 0;color:#1F5A8A;font-size:1.15rem}