@font-face{font-family:"Nebulica";src:url(https://148907639.fs1.hubspotusercontent-eu1.net/hubfs/148907639/ltba-nebulica-regular.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Nebulica";src:url(https://148907639.fs1.hubspotusercontent-eu1.net/hubfs/148907639/ltba-nebulica-bold.woff2) format("woff2");font-weight:700;font-display:swap}
:root{
  --navy:#003153;--navy-2:#00243d;--blue:#79a6c7;--blue-2:#a9c7dc;--blue-soft:#e8f0f6;--bg:#f8fafc;--tint:#edf2f7;
  --white:#fff;--ink:#0f1f2c;--text:#334155;--muted:#64748b;--line:#dbe4ec;--ok:#22c55e;
  --r:18px;--r-sm:12px;--shadow:0 1px 2px rgba(0,49,83,.06),0 12px 32px -12px rgba(0,49,83,.18);
  --head:"Nebulica","Poppins",Georgia,serif;--body:"Poppins",Arial,Helvetica,sans-serif;--maxw:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--body);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--head);color:var(--navy);margin:0 0 .5em;line-height:1.08;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(40px,6.2vw,76px)}
h2{font-size:clamp(30px,4vw,48px)}
h3{font-size:20px;line-height:1.25}
p{margin:0 0 1em}
.hl{color:var(--blue)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.wrap--narrow{max-width:820px}
.section{padding:96px 0}
.section--tint{background:var(--tint)}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--blue-soft);color:var(--navy);border-radius:999px;padding:6px 14px;font-size:11.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
.badge::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--blue)}
.badge--dark{background:rgba(255,255,255,.1);color:#fff}
.lead{font-size:18px;max-width:60ch}
.sub{max-width:68ch;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;border:0;cursor:pointer;font-family:var(--body);font-weight:600;font-size:15px;text-decoration:none;border-radius:10px;padding:14px 22px;background:var(--navy);color:#fff;transition:transform .2s,box-shadow .2s,background .2s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px -10px rgba(0,49,83,.5)}
.btn svg{width:18px;height:18px;transition:transform .2s}
.btn:hover svg{transform:translateX(3px)}
.btn--blue{background:var(--blue)}
.btn--ghost{background:#fff;color:var(--navy);box-shadow:inset 0 0 0 1px var(--line)}
.btn--light{background:#fff;color:var(--navy)}
.btn--full{width:100%;justify-content:center}
.btn--sm{padding:10px 16px;font-size:14px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(248,250,252,.86);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .3s}
.site-header.is-scrolled{border-color:var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.site-header img{height:38px;width:auto}
.nav{display:flex;gap:28px;font-size:14px}
.nav a{text-decoration:none;color:var(--text)}
.nav a:hover{color:var(--navy)}
.progress{position:absolute;left:0;bottom:-1px;height:2px;background:var(--blue);width:0}

/* hero */
.hero{padding:64px 0 120px;position:relative}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero .lead{margin-bottom:22px}
.ticks{list-style:none;padding:0;margin:0 0 30px}
.ticks li{position:relative;padding-left:32px;margin-bottom:10px;font-size:15px}
.ticks li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:6px;background:var(--blue-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23003153' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.micro{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--muted)}
.micro::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--ok);box-shadow:0 0 0 4px rgba(34,197,94,.15)}
.hero-stats{display:flex;gap:40px;margin-top:34px;padding-top:26px;border-top:1px solid var(--line)}
.hero-stats b{display:block;font-family:var(--head);font-size:36px;color:var(--navy);line-height:1}
.hero-stats span{font-size:13px;color:var(--muted)}
.hero-visual{position:relative}
.hero-photo{border-radius:26px;overflow:hidden;aspect-ratio:4/5;box-shadow:0 30px 60px -30px rgba(0,49,83,.5);background:var(--navy)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:60% 30%;transform:scale(1.04);transition:transform 6s ease-out}
.hero-photo.in img{transform:scale(1)}
.chip{position:absolute;background:#fff;border-radius:14px;padding:12px 16px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center;max-width:270px;animation:float 6s ease-in-out infinite}
.chip .ico{flex:0 0 36px;height:36px;border-radius:10px;background:var(--blue-soft);display:grid;place-items:center;color:var(--navy)}
.chip .ico svg{width:18px;height:18px}
.chip b{display:block;font-family:var(--head);color:var(--navy);font-size:15px;line-height:1.2}
.chip small{font-size:12px;color:var(--muted);line-height:1.35;display:block}
.chip--a{top:28px;left:-40px}
.chip--b{bottom:32px;right:-28px;animation-delay:-3s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}

/* note from Tony */
.note{position:relative;margin-top:-72px;z-index:3}
.note-card{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);border:1px solid var(--line);padding:30px 34px;display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:start}
.note-card .avatar{width:76px;height:76px;border-radius:50%;object-fit:cover;box-shadow:0 0 0 4px var(--blue-soft)}
.note-card h3{margin-bottom:.4em}
.note-card p{margin-bottom:.6em;font-size:15.5px}
.sign{font-size:13px;color:var(--muted);margin:10px 0 0}
.sign b{color:var(--navy);font-family:var(--head)}

/* ticker */
.ticker{margin:72px 0 0;background:var(--tint);border-block:1px solid var(--line);overflow:hidden;white-space:nowrap}
.ticker-track{display:inline-flex;gap:64px;padding:14px 0;animation:tick 36s linear infinite}
.ticker span{font-family:var(--head);font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#6c8aa3;display:inline-flex;align-items:center;gap:12px}
.ticker span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--blue)}
@keyframes tick{to{transform:translateX(-50%)}}

/* tool */
.tool-section{padding:80px 0 96px}
.tool{background:#fff;border:1px solid var(--line);border-radius:26px;box-shadow:var(--shadow);overflow:hidden}
.tool__head{padding:40px 44px 26px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap;align-items:flex-end}
.tool__head h2{margin-bottom:.25em}
.tool__head p{margin:0;max-width:56ch;color:var(--muted)}
.presets{display:flex;flex-direction:column;gap:8px}
.presets small{font-size:12px;color:var(--muted);font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.presets div{display:flex;gap:8px;flex-wrap:wrap}
.preset{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font:500 13.5px var(--body);color:var(--navy);cursor:pointer;transition:all .2s}
.preset:hover{border-color:var(--blue)}
.preset[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.tool__body{display:grid;grid-template-columns:1.08fr .92fr}
.tool__inputs{padding:34px 44px 40px}
.step{margin-bottom:30px}
.step:last-child{margin-bottom:0}
.step-h{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.step-h i{font-style:normal;font-family:var(--head);color:var(--blue);font-weight:700;font-size:15px}
.step-h h3{margin:0;font-size:19px}
.step-h em{font-style:normal;font-size:12px;color:var(--muted);background:var(--tint);border-radius:999px;padding:2px 10px}
.field{padding:16px 18px;border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:10px;transition:border-color .2s,box-shadow .2s,background .2s}
.field:focus-within{border-color:var(--blue);box-shadow:0 0 0 4px rgba(121,166,199,.18)}
.field.flash{animation:flash 1.6s ease}
@keyframes flash{0%,100%{background:#fff}20%{background:var(--blue-soft)}}
.field-top{display:flex;justify-content:space-between;gap:16px;align-items:flex-start}
.field label{font-weight:600;color:var(--ink);font-size:15px;line-height:1.35}
.hint{display:block;font-weight:400;color:var(--muted);font-size:13px;margin-top:2px}
.numwrap{display:flex;align-items:center;border:1px solid var(--line);border-radius:10px;background:var(--bg);flex:0 0 132px;overflow:hidden}
.numwrap span{padding:0 10px;color:var(--muted);font-size:14px}
.numwrap input{width:100%;border:0;background:transparent;padding:9px 10px;font:600 16px var(--body);color:var(--navy);text-align:right;-moz-appearance:textfield;min-width:0}
.numwrap input::-webkit-outer-spin-button,.numwrap input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.numwrap input:focus{outline:none}
.numwrap .pre+input{padding-left:0;text-align:left}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;margin:16px 0 2px;background:linear-gradient(to right,var(--navy) 0,var(--navy) var(--p,50%),var(--tint) var(--p,50%));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--navy);box-shadow:0 2px 8px rgba(0,49,83,.25);transition:transform .15s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--navy)}
.field--forgotten{border-color:#bcd3e4;background:linear-gradient(0deg,#fff,#f6f9fc)}
.tag{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--navy);background:var(--blue-soft);border-radius:6px;padding:2px 8px;margin-left:6px;vertical-align:middle}

/* results */
.tool__results{background:radial-gradient(120% 80% at 100% 0%,#0b4a78 0%,var(--navy) 45%,var(--navy-2) 100%);color:#dce8f1;padding:34px 36px 38px;position:relative}
.results-inner{position:sticky;top:96px}
.verdict{display:inline-flex;gap:8px;align-items:center;background:rgba(255,255,255,.1);border-radius:999px;padding:6px 14px;font-size:12.5px;font-weight:600;color:#fff;margin-bottom:18px}
.verdict::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--blue)}
.verdict[data-state="zelf"]::before{background:var(--ok)}
.verdict[data-state="extern"]::before{background:#fbbf24}
.big-label{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--blue-2);margin-bottom:6px}
.big{font-family:var(--head);font-size:clamp(46px,5.4vw,68px);line-height:1;color:#fff;margin-bottom:10px;font-variant-numeric:tabular-nums}
.after{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:15px;margin-bottom:26px}
.after b{color:#fff}
.pill{font-size:12px;font-weight:600;border-radius:999px;padding:3px 10px;background:rgba(34,197,94,.16);color:#86efac}
.verdict-text{font-size:14px;color:#b8cddd;margin:-10px 0 24px}
.block{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:18px 18px 16px;margin-bottom:14px}
.block h4{color:#fff;font-size:15px;margin:0 0 12px;display:flex;justify-content:space-between;gap:10px}
.block h4 span{font-family:var(--body);font-weight:600;color:var(--blue-2)}
.stack{display:flex;height:14px;border-radius:99px;overflow:hidden;background:rgba(255,255,255,.1);margin-bottom:12px}
.stack i{display:block;height:100%;transition:width .6s cubic-bezier(.2,.8,.2,1)}
.c-loon{background:#fff}
.c-beg{background:var(--blue)}
.c-soft{background:#3d6d92}
.legend{display:grid;gap:6px;font-size:13.5px}
.legend div{display:flex;justify-content:space-between;gap:10px}
.legend span{display:flex;align-items:center;gap:8px}
.legend span::before{content:"";width:10px;height:10px;border-radius:3px;background:var(--c)}
.legend b{color:#fff;font-weight:600;font-variant-numeric:tabular-nums}
.legend .forgot{color:#fff}
.legend .forgot em{font-style:normal;font-size:11px;background:rgba(121,166,199,.25);color:#cfe1ee;border-radius:5px;padding:1px 6px;margin-left:4px}
.ramp{display:grid;grid-template-columns:repeat(12,1fr);gap:5px;align-items:end;height:96px;margin-bottom:8px}
.ramp i{display:block;border-radius:4px 4px 2px 2px;background:#fff;transition:height .6s cubic-bezier(.2,.8,.2,1),background .3s;min-height:3px;position:relative}
.ramp i.inwerk{background:rgba(121,166,199,.55)}
.ramp-x{display:grid;grid-template-columns:repeat(12,1fr);gap:5px;font-size:10.5px;color:#8fb0c7;text-align:center}
.ramp-legend{display:flex;gap:16px;font-size:12px;color:#b8cddd;margin-top:10px;flex-wrap:wrap}
.ramp-legend span{display:flex;align-items:center;gap:6px}
.ramp-legend span::before{content:"";width:10px;height:10px;border-radius:3px;background:var(--c)}
.stats{list-style:none;margin:0;padding:0;font-size:14px}
.stats li{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px solid rgba(255,255,255,.08)}
.stats li:last-child{border:0}
.stats .v{color:#fff;font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
.cmp-row{margin-bottom:10px}
.cmp-row .t{display:flex;justify-content:space-between;font-size:13px;margin-bottom:5px}
.cmp-row .t b{color:#fff}
.cmp-bar{height:10px;border-radius:99px;background:rgba(255,255,255,.08);overflow:hidden}
.cmp-bar i{display:block;height:100%;border-radius:99px;background:#fff;transition:width .6s cubic-bezier(.2,.8,.2,1)}
.cmp-bar.ext i{background:#fbbf24}
.cmp-empty{font-size:13.5px;color:#b8cddd;margin:0}
.results-note{font-size:12.5px;color:#8fb0c7;margin:16px 0 18px;display:flex;gap:8px}
.results-note svg{flex:0 0 16px;height:16px;margin-top:2px}

/* insight cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;transition:transform .3s,box-shadow .3s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card .ico{width:44px;height:44px;border-radius:12px;background:var(--blue-soft);display:grid;place-items:center;color:var(--navy);margin-bottom:18px}
.card .ico svg{width:22px;height:22px}
.card p{font-size:15px}
.yours{margin-top:auto;background:var(--tint);border-radius:10px;padding:12px 14px;font-size:14px;color:var(--ink)}
.yours b{color:var(--navy)}
.yours small{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:600;margin-bottom:2px}
.linkbtn{margin-top:14px;background:none;border:0;padding:0;font:600 14px var(--body);color:var(--navy);cursor:pointer;display:inline-flex;gap:6px;align-items:center;text-align:left}
.linkbtn svg{width:16px;height:16px;transition:transform .2s}
.linkbtn:hover svg{transform:translateX(3px)}

/* numbers list */
.numbers{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:start}
.numbers-photo{border-radius:22px;overflow:hidden;aspect-ratio:4/5;position:sticky;top:100px;background:var(--navy)}
.numbers-photo img{width:100%;height:100%;object-fit:cover}
.acc{border-top:1px solid var(--line)}
.acc-item{border-bottom:1px solid var(--line)}
.acc-item summary{list-style:none;cursor:pointer;display:grid;grid-template-columns:44px 1fr 24px;gap:12px;align-items:center;padding:18px 0;font-family:var(--head);font-weight:700;color:var(--navy);font-size:17px}
.acc-item summary::-webkit-details-marker{display:none}
.acc-item summary i{font-style:normal;color:var(--blue);font-size:14px}
.acc-item summary .plus{width:24px;height:24px;border-radius:50%;background:var(--blue-soft);position:relative;transition:transform .3s}
.acc-item summary .plus::before,.acc-item summary .plus::after{content:"";position:absolute;left:6px;right:6px;top:11px;height:2px;background:var(--navy);border-radius:2px}
.acc-item summary .plus::after{transform:rotate(90deg);transition:transform .3s}
.acc-item[open] summary .plus::after{transform:rotate(0)}
.acc-body{padding:0 0 20px 56px;font-size:15px}
.acc-body dl{display:grid;grid-template-columns:120px 1fr;gap:6px 16px;margin:0 0 10px}
.acc-body dt{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:600;padding-top:3px}
.acc-body dd{margin:0}

/* not included */
.notinc{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.notinc-photo{border-radius:22px;overflow:hidden;aspect-ratio:1/1;background:var(--navy)}
.notinc-photo img{width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.ilist{list-style:none;padding:0;margin:24px 0}
.ilist li{display:grid;grid-template-columns:40px 1fr;gap:14px;padding:12px 0;font-size:15px}
.ilist .ico{width:40px;height:40px;border-radius:11px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;color:var(--navy)}
.ilist .ico svg{width:19px;height:19px}
.ilist b{color:var(--ink)}
.ilist li.other .ico{background:var(--navy);color:#fff;border-color:var(--navy)}
.callout{border-left:4px solid var(--blue);background:#fff;border-radius:0 var(--r-sm) var(--r-sm) 0;padding:20px 24px;margin-top:40px;font-size:15.5px;box-shadow:var(--shadow)}
.callout p{margin:0}

/* form section */
.offer{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.checks{list-style:none;padding:0;margin:0 0 24px}
.checks li{position:relative;padding-left:32px;margin-bottom:10px;font-size:15px}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/11px no-repeat}
.summary{background:#fff;border:1px dashed #b7cadb;border-radius:var(--r);padding:20px 22px}
.summary h4{font-size:14px;font-family:var(--body);font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.summary-row{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px solid var(--tint);font-size:14.5px}
.summary-row:last-child{border:0}
.summary-row b{color:var(--navy);font-variant-numeric:tabular-nums}
.summary .file{display:flex;align-items:center;gap:10px;margin-top:12px;font-size:14px;color:var(--ink)}
.summary .file i{width:34px;height:34px;border-radius:9px;background:#e7f4ec;display:grid;place-items:center;color:#15803d;font-style:normal;font-weight:700;font-size:11px}
.formcard{background:#fff;border-radius:22px;box-shadow:var(--shadow);border:1px solid var(--line);padding:34px}
.formcard h3{font-size:24px;margin-bottom:6px}
.formcard .intro{font-size:14.5px;color:var(--muted);margin-bottom:22px}
.frow{margin-bottom:14px}
.frow label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:6px}
.frow label small{font-weight:400;color:var(--muted)}
.frow input[type=text],.frow input[type=email],.frow input[type=tel]{width:100%;border:1px solid var(--line);border-radius:10px;padding:13px 14px;font:15px var(--body);color:var(--ink);background:var(--bg);transition:border-color .2s,box-shadow .2s}
.frow input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(121,166,199,.18);background:#fff}
.frow input.bad{border-color:#dc2626}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.optin{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start;padding:14px 16px;border:1px solid var(--line);border-radius:12px;margin:6px 0 14px;cursor:pointer;transition:border-color .2s,background .2s}
.optin:hover{border-color:var(--blue)}
.optin input{width:20px;height:20px;accent-color:var(--navy);margin:2px 0 0}
.optin b{display:block;color:var(--navy);font-size:14.5px}
.optin span{font-size:13px;color:var(--muted)}
.optin.on{background:var(--blue-soft);border-color:var(--blue)}
.phone{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s ease}
.phone>div{overflow:hidden}
.phone.open{grid-template-rows:1fr}
.consent{font-size:12.5px;color:var(--muted);margin:10px 0 16px}
.formerror{color:#b91c1c;font-size:13.5px;min-height:1em;margin:0 0 8px}
.formnote{font-size:12.5px;color:var(--muted);margin:14px 0 0}
.success{text-align:center;padding:14px 6px}
.success .tick{width:74px;height:74px;margin:0 auto 18px}
.success .tick circle{stroke:var(--ok);stroke-width:3;fill:none;stroke-dasharray:190;stroke-dashoffset:190;animation:draw .7s ease forwards}
.success .tick path{stroke:var(--ok);stroke-width:4;fill:none;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:50;stroke-dashoffset:50;animation:draw .4s .6s ease forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.hidden{display:none!important}

/* doorrekening */
.dark{background:radial-gradient(70% 90% at 80% 0%,#0c4f80 0%,var(--navy) 50%,var(--navy-2) 100%);color:#cddbe6;position:relative;overflow:hidden}
.dark h2,.dark h3{color:#fff}
.dark .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:start}
.dark ul.ticks li::before{background-color:rgba(255,255,255,.12);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E")}
.dark ul.ticks li{font-size:15.5px}
.panel{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:22px;padding:28px}
.panel p{font-size:14.5px;margin-bottom:.8em}
.panel b{color:#fff}
.people{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0 20px}
.person{display:flex;align-items:center;gap:10px;background:rgba(255,255,255,.06);border-radius:12px;padding:8px 10px;transition:background .2s}
.person:hover{background:rgba(255,255,255,.12)}
.person img,.person .ini{width:40px;height:40px;border-radius:50%;object-fit:cover;flex:0 0 40px;border:2px solid rgba(255,255,255,.3)}
.person .ini{display:grid;place-items:center;background:var(--blue);color:#fff;font-family:var(--head);font-weight:700}
.person b{display:block;font-size:13.5px;line-height:1.2}
.person small{font-size:11.5px;color:#9fbcd1;line-height:1.2;display:block}
.glow{position:absolute;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(121,166,199,.25),transparent 65%);right:-160px;bottom:-240px;pointer-events:none}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;transition:box-shadow .3s}
.faq details[open]{box-shadow:var(--shadow)}
.faq summary{list-style:none;cursor:pointer;padding:20px 60px 20px 24px;font-family:var(--head);font-weight:700;color:var(--navy);font-size:17px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:24px;top:50%;width:10px;height:10px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:translateY(-70%) rotate(45deg);transition:transform .3s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details p{padding:0 24px 20px;margin:0;font-size:15px}

/* footer */
.site-footer{background:var(--navy-2);color:#9fbcd1;padding:64px 0 40px;font-size:14px}
.site-footer a{color:#dce8f1;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.footgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:40px}
.site-footer img{height:44px;width:auto;margin-bottom:18px;filter:brightness(0) invert(1)}
.site-footer h4{color:#fff;font-family:var(--body);font-size:14px;font-weight:600;margin-bottom:12px}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:20px;font-size:12.5px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}

/* mobile bar */
.mobilebar{display:none}

/* reveal */
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.8,.2,1)}
.rv.in{opacity:1;transform:none}
.rv.d1{transition-delay:.08s}.rv.d2{transition-delay:.16s}.rv.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}

@media (max-width:1020px){
  .hero-grid,.tool__body,.numbers,.notinc,.offer,.dark .grid{grid-template-columns:1fr}
  .hero-visual{max-width:460px;margin:0 auto;width:100%}
  .chip--a{left:-8px}.chip--b{right:-8px}
  .results-inner{position:static}
  .numbers-photo{position:relative;top:0;aspect-ratio:16/9}
  .notinc-photo{aspect-ratio:16/10}
  .cards{grid-template-columns:1fr}
  .nav{display:none}
  .footgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .wrap{padding:0 16px}
  .section{padding:64px 0}
  .hero{padding:36px 0 96px}
  .hero-stats{gap:22px}
  .hero-stats b{font-size:28px}
  .site-header img{height:32px}
  .site-header .btn{padding:9px 12px;font-size:13px}
  .note-card{grid-template-columns:1fr;padding:24px;gap:14px}
  .note-card .avatar{width:60px;height:60px}
  .tool{border-radius:20px}
  .tool__head,.tool__inputs{padding:24px 18px}
  .tool__results{padding:26px 18px 30px}
  .field{padding:14px}
  .field-top{flex-direction:column;gap:10px}
  .numwrap{flex:none;width:100%}
  .two,.people{grid-template-columns:1fr}
  .formcard{padding:24px 18px}
  .acc-body{padding-left:0}
  .acc-body dl{grid-template-columns:1fr}
  .footgrid{grid-template-columns:1fr}
  .chip{max-width:220px;padding:10px 12px}
  .hero-photo{aspect-ratio:4/3}
  .chip--a{top:14px}
  .mobilebar{display:flex;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;background:var(--navy);color:#fff;border-radius:14px;padding:10px 12px 10px 16px;align-items:center;justify-content:space-between;gap:10px;box-shadow:0 16px 40px -12px rgba(0,0,0,.45);transform:translateY(140%);transition:transform .35s}
  .mobilebar.show{transform:none}
  .mobilebar small{display:block;font-size:11px;color:var(--blue-2)}
  .mobilebar b{font-family:var(--head);font-size:22px}
  body{padding-bottom:0}
}