@import url('https://fonts.googleapis.com/css2?family=Hanken+Grotesk:wght@400;500;600;700&family=Schibsted+Grotesk:wght@400;500;600;700;800;900&display=swap');
:root{
  --paper:#F4EEE1; --paper-2:#EBE2D0; --card:#FFFDF8; --line:#EBE2D0;
  --green:#15402B; --green-lt:#1D5A3C; --green-pale:#DCEAE0;
  --gold:#E2A86A; --gold-lt:#EEBB82; --rust:#B26B3C; --rust-dk:#A85A28; --rust-mid:#8A5A2E;
  --ink:#221C16; --ink-dk:#1B1610; --ink-2:#241F17; --body:#37301F; --body-2:#403930; --muted:#524A3D;
  --display:'Schibsted Grotesk',Georgia,serif; --text:'Hanken Grotesk',system-ui,-apple-system,sans-serif;
  --pad:clamp(20px,5vw,72px); --sec:clamp(56px,8vw,104px); --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--text);background:var(--paper);color:var(--ink);overflow-x:hidden;width:100%;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;line-height:1.5}
img{max-width:100%;display:block}
a{color:var(--green);text-decoration:none}
a:hover{color:var(--green-lt)}
ul{list-style:none}
button{font:inherit;color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;width:100%}
.sec{padding:var(--sec) var(--pad)}
h1,h2,h3{font-family:var(--display);letter-spacing:-0.02em;line-height:1.1;color:var(--ink-dk)}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:.9rem;margin-bottom:16px;color:var(--rust)}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:currentColor;flex:none}
.pill{display:inline-flex;align-items:center;gap:9px;background:var(--paper-2);color:var(--rust-mid);font-weight:600;font-size:.82rem;padding:7px 14px;border-radius:999px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:600;border-radius:999px;text-decoration:none;transition:background .18s,border-color .18s,color .18s}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-lt);color:#fff}
.btn-gold{background:var(--gold);color:var(--ink-dk);font-weight:700}
.btn-gold:hover{background:var(--gold-lt);color:var(--ink-dk)}
.btn-ghost{border:1.5px solid rgba(33,28,22,.16);color:var(--ink)}
.btn-ghost:hover{border-color:var(--green);color:var(--green)}
.btn-lg{font-size:1.05rem;padding:16px 30px}
.grid{display:grid}
h2.sec-title{font-weight:700;font-size:clamp(1.9rem,3.8vw,3rem);line-height:1.08}
p.lede{font-size:1.08rem;line-height:1.7;color:var(--body);margin-top:16px}
@keyframes cs-rise{from{transform:translateY(20px);opacity:0}to{transform:translateY(0);opacity:1}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}html{scroll-behavior:auto}}

/* HEADER */
.hdr{position:sticky;top:0;z-index:50;background:rgba(250,247,240,.9);backdrop-filter:blur(14px);
  -webkit-backdrop-filter:blur(14px);border-bottom:1px solid rgba(33,28,22,.08)}
.hdr-bar{max-width:var(--wrap);margin:0 auto;width:100%;padding:12px var(--pad);
  display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo img{height:clamp(54px,6.2vw,72px);width:auto}
.nav-desk{display:flex;align-items:center;gap:clamp(14px,2vw,30px)}
.nav-desk a.lnk{color:var(--body-2);font-weight:500;font-size:.95rem}
.nav-desk a.lnk:hover{color:var(--green)}
.nav-desk .btn{font-size:.95rem;padding:11px 22px}
.nav-mob{display:none;align-items:center;gap:10px}
.nav-mob .btn{font-size:.9rem;padding:10px 18px}
.burger{width:44px;height:44px;border:1px solid rgba(33,28,22,.16);background:#fff;border-radius:12px;
  cursor:pointer;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;flex:none}
.burger span{width:18px;height:2px;background:var(--ink);border-radius:2px}
.drawer{display:none;flex-direction:column;padding:8px var(--pad) 18px;
  border-top:1px solid rgba(33,28,22,.08);background:rgba(250,247,240,.98)}
.drawer.open{display:flex}
.drawer a{color:var(--ink-2);font-weight:600;font-size:1.05rem;padding:14px 0;border-bottom:1px solid rgba(33,28,22,.07)}
@media (max-width:819px){.nav-desk{display:none}.nav-mob{display:flex}}

/* HERO */
.hero{padding:clamp(40px,7vw,86px) var(--pad) clamp(48px,7vw,96px)}
.hero-grid{display:grid;gap:clamp(36px,5vw,72px);
  grid-template-columns:repeat(auto-fit,minmax(min(100%,380px),1fr));align-items:center}
.hero-copy{animation:cs-rise .7s ease both}
.hero h1{font-weight:800;font-size:clamp(2.4rem,5.6vw,4.3rem);line-height:1.02;letter-spacing:-0.025em}
.hero p.intro{font-size:clamp(1.05rem,1.4vw,1.2rem);line-height:1.65;color:var(--body);max-width:30em}
.hero p.intro strong{font-weight:600;color:var(--ink)}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.trust{display:flex;align-items:center;gap:18px;margin-top:28px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}
.trust span{display:inline-flex;align-items:center;gap:7px}
.trust b{color:#2C8F5A;font-weight:700}

/* CALCULATOR */
.calc-wrap{position:relative;animation:cs-rise .7s .12s ease both}
.calc{background:linear-gradient(160deg,#1D5A3C,#123A26);border-radius:28px;padding:clamp(28px,3.2vw,40px);
  overflow:hidden;box-shadow:0 36px 70px -28px rgba(21,64,43,.55);color:#fff}
.calc .badge{display:inline-flex;align-items:center;gap:8px;background:rgba(226,168,106,.16);color:#F0C79A;
  font-weight:600;font-size:.78rem;padding:7px 13px;border-radius:999px;margin-bottom:24px}
.calc .badge i{width:7px;height:7px;border-radius:50%;background:var(--gold)}
.calc .lbl{color:rgba(255,255,255,.72);font-size:.95rem;font-weight:500}
.calc .figure{display:flex;align-items:baseline;gap:8px;margin-top:4px}
.calc .num{font-family:var(--display);font-weight:800;line-height:1;letter-spacing:-0.02em;color:#fff;
  font-size:clamp(2.4rem,4.6vw,3.2rem)}
.calc .unit{color:rgba(255,255,255,.6);font-size:1rem;font-weight:600}
.calc .benefit{font-family:var(--display);font-weight:800;line-height:1;letter-spacing:-0.02em;color:var(--gold);
  font-size:clamp(2.8rem,5.4vw,3.8rem)}
.calc .benefit-unit{color:rgba(255,255,255,.7);font-size:1.05rem;font-weight:600}
.calc .rule{height:1px;background:rgba(255,255,255,.14);margin:26px 0 22px}
.calc .row{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.calc .note{color:rgba(255,255,255,.6);font-size:.86rem;line-height:1.5;margin-top:14px}
.calc .fine{color:rgba(255,255,255,.45);font-size:.78rem;text-align:center;margin-top:12px}
.calc .cap{background:rgba(255,255,255,.12);color:#fff;font-weight:600;font-size:.78rem;padding:7px 12px;
  border-radius:999px;white-space:nowrap}
.calc .cap[hidden]{display:none}
.calc .btn{padding:16px;border-radius:14px;width:100%;font-size:1.05rem;margin-top:24px}
.calc .ends{display:flex;justify-content:space-between;color:rgba(255,255,255,.5);font-size:.8rem;font-weight:500}
#salary{width:100%;margin:22px 0 8px;height:6px;border-radius:999px;-webkit-appearance:none;appearance:none;
  cursor:pointer;background:rgba(255,255,255,.18);outline:none}
#salary::-webkit-slider-runnable-track{height:6px;border-radius:999px;background:transparent}
#salary::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:#fff;
  border:5px solid var(--gold);margin-top:-10px;cursor:pointer;box-shadow:0 3px 10px rgba(0,0,0,.3)}
#salary::-moz-range-track{height:6px;border-radius:999px;background:rgba(255,255,255,.18)}
#salary::-moz-range-progress{height:6px;border-radius:999px;background:var(--gold)}
#salary::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:5px solid var(--gold);
  cursor:pointer}
#salary:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 4px rgba(226,168,106,.4)}

/* BILLS */
.bills-sec{background:var(--green);color:#fff;padding:var(--sec) var(--pad)}
.bills-grid{display:grid;gap:clamp(36px,5vw,64px);
  grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));align-items:center}
.bills-sec h2{color:#fff;font-weight:700;font-size:clamp(1.9rem,3.8vw,3rem);line-height:1.08}
.bills-sec .eyebrow{color:var(--gold)}
.bills-sec p{font-size:1.08rem;line-height:1.7;color:rgba(255,255,255,.78);max-width:34em}
.bills-card{background:var(--card);border-radius:20px;overflow:hidden;
  box-shadow:0 30px 60px -22px rgba(0,0,0,.4);color:var(--ink)}
.bills-card .head{padding:18px 22px;display:flex;align-items:center;justify-content:space-between;
  border-bottom:1px solid #ECE3D2}
.bills-card .head b{font-weight:600;color:var(--body-2);font-size:.95rem}
.bills-card .head .tag{font-size:.72rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  color:var(--rust);background:#F4E6D7;padding:5px 11px;border-radius:999px}
.bills-card li{display:flex;align-items:center;justify-content:space-between;padding:15px 22px;
  border-bottom:1px solid #F0E8D8}
.bills-card li span{display:flex;align-items:center;gap:11px;font-size:1rem;color:var(--ink-2)}
.bills-card li span i{width:8px;height:8px;border-radius:50%;background:#D9B38C;flex:none}
.bills-card li b{font-weight:600;font-size:1rem}
.bills-card .foot{padding:18px 22px;background:var(--green);display:flex;align-items:center;
  justify-content:space-between;gap:12px}
.bills-card .foot span{color:rgba(255,255,255,.7);font-size:.95rem}
.bills-card .foot b{font-family:var(--display);font-weight:700;font-size:1.3rem;color:var(--gold)}
.illus{font-size:.8rem;color:rgba(255,255,255,.4);margin-top:12px;font-style:italic}

/* COVER */
.cover-grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(min(100%,290px),1fr));
  align-items:start}
.cover{border-radius:22px;padding:28px 26px;height:100%;display:flex;flex-direction:column;
  background:var(--card);border:1px solid var(--line)}
.cover .tag{align-self:flex-start;font-size:.74rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  padding:6px 13px;border-radius:999px;background:#F4E6D7;color:var(--rust-dk)}
.cover h3{font-weight:700;font-size:1.4rem;line-height:1.15;letter-spacing:-0.015em;margin:16px 0 8px}
.cover p{font-size:.98rem;line-height:1.6;color:var(--body);margin-bottom:18px}
.cover ul{display:flex;flex-direction:column;gap:11px;flex:1}
.cover li{display:flex;gap:10px;font-size:.95rem;line-height:1.45;color:#34402F}
.cover li b{color:#2C8F5A;font-weight:700;flex:none}
.cover.is-featured{background:var(--green);border-color:var(--green);
  box-shadow:0 26px 50px -22px rgba(21,64,43,.5)}
.cover.is-featured .tag{background:rgba(226,168,106,.18);color:var(--gold)}
.cover.is-featured h3{color:#fff}
.cover.is-featured p{color:rgba(255,255,255,.78)}
.cover.is-featured li{color:rgba(255,255,255,.9)}
.cover.is-featured li b{color:var(--gold)}
.warn{margin-top:22px;background:#F7E9DC;border:1px solid #E8C9AC;border-radius:14px;padding:16px 20px;
  font-size:.95rem;line-height:1.55;color:var(--body)}
.warn strong{color:var(--rust-dk)}

/* STATS */
.stats{background:var(--paper-2);padding:clamp(40px,6vw,72px) var(--pad)}
.stats-grid{display:grid;gap:clamp(20px,3vw,36px);grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr))}
.stats .n{font-family:var(--display);font-weight:700;font-size:clamp(2.2rem,3.4vw,2.9rem);color:var(--green);
  line-height:1;letter-spacing:-0.02em}
.stats .l{font-weight:600;color:var(--rust);font-size:.95rem;margin:8px 0 6px}
.stats .d{font-size:.92rem;line-height:1.5;color:var(--body-2)}

/* CLINIC */
.clinic-top{display:grid;gap:clamp(36px,5vw,64px);
  grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));align-items:center;
  margin-bottom:clamp(36px,4vw,56px)}
.clinic-top .pill{background:var(--green-pale);color:var(--green-lt);font-size:.85rem;margin-bottom:18px}
.clinic-top p{font-size:1.08rem;line-height:1.7;color:var(--body);margin-top:18px;max-width:34em}
.clinic-note{margin-top:22px;background:var(--card);border:1px solid var(--paper-2);border-radius:14px;
  padding:16px 20px;font-size:.95rem;line-height:1.6;color:var(--body)}
.clinic-note strong{color:var(--ink)}
.phone-stage{position:relative;width:100%;aspect-ratio:1/1;border-radius:24px;overflow:hidden;
  background:radial-gradient(circle at 30% 18%,var(--green-pale),var(--paper-2));
  display:flex;align-items:center;justify-content:center;box-shadow:0 30px 60px -24px rgba(33,28,22,.28)}
.phone{width:min(70%,232px);background:var(--green);border-radius:36px;padding:11px;
  box-shadow:0 26px 50px -18px rgba(0,0,0,.45)}
.phone-screen{background:var(--card);border-radius:27px;overflow:hidden}
.phone-hd{background:var(--green);padding:17px 17px 15px;color:#fff}
.phone-hd .brand{display:flex;align-items:center;gap:8px}
.phone-hd .brand span{font-weight:600;font-size:.78rem;color:rgba(255,255,255,.85)}
.phone-hd .ttl{font-family:var(--display);font-weight:800;font-size:1.02rem;margin-top:7px}
.phone-row{display:flex;align-items:center;gap:10px;padding:11px 14px;border-bottom:1px solid #F0E8D8}
.phone-row .ic{width:30px;height:30px;border-radius:9px;background:var(--green-pale);display:flex;
  align-items:center;justify-content:center;flex:none}
.phone-row .t{font-size:.72rem;font-weight:600;color:var(--ink-2);line-height:1.2;flex:1}
.phone-row .c{color:var(--rust);font-size:1rem;font-weight:600}
.clinic-cards{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr))}
.clinic-card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;height:100%;
  display:flex;flex-direction:column}
.clinic-card .ic{width:40px;height:40px;border-radius:11px;background:var(--green-pale);display:flex;
  align-items:center;justify-content:center;margin-bottom:14px}
.clinic-card h3{font-weight:700;font-size:1.12rem;margin-bottom:8px;letter-spacing:-0.01em}
.clinic-card p{font-size:.95rem;line-height:1.6;color:var(--body);flex:1}
.clinic-card .alloc{margin-top:16px;padding-top:14px;border-top:1px solid #EFE7D6;font-size:.82rem;
  font-weight:600;color:var(--green-lt)}

/* STEPS */
.how{background:var(--green);color:#fff;padding:var(--sec) var(--pad)}
.how h2{color:#fff;font-weight:700;font-size:clamp(1.9rem,3.8vw,3rem);line-height:1.08}
.how .eyebrow{color:var(--gold)}
.steps{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr))}
.step{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:18px;
  padding:28px 24px;height:100%}
.step .n{font-family:var(--display);font-weight:700;font-size:2.6rem;color:var(--gold);line-height:1;
  letter-spacing:-0.03em}
.step h3{color:#fff;font-weight:700;font-size:1.2rem;margin:14px 0 10px}
.step p{font-size:.96rem;line-height:1.65;color:rgba(255,255,255,.74)}

/* ELIGIBILITY */
.elig{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr))}
.elig-card{border-radius:20px;padding:28px 26px}
.elig-card h3{font-weight:700;font-size:1.15rem;margin-bottom:18px;display:flex;align-items:center;gap:9px}
.elig-card h3 i{width:24px;height:24px;border-radius:50%;color:#fff;display:inline-flex;align-items:center;
  justify-content:center;font-size:.85rem;font-style:normal;flex:none}
.elig-card ul{display:flex;flex-direction:column;gap:13px}
.elig-card li{display:flex;gap:11px;font-size:.98rem;line-height:1.5}
.elig-card li b{font-weight:700;flex:none}
.elig-yes{background:#E5F0E7;border:1px solid #C8E0CE}
.elig-yes h3{color:var(--green-lt)}
.elig-yes h3 i{background:var(--green-lt)}
.elig-yes li{color:#34402F}
.elig-yes li b{color:#2C8F5A}
.elig-no{background:#F7E9DC;border:1px solid #E8C9AC}
.elig-no h3{color:var(--rust-dk)}
.elig-no h3 i{background:var(--rust)}
.elig-no li{color:#46392E}
.elig-no li b{color:var(--rust)}

/* FAQ */
.faq-sec{background:var(--paper-2);padding:var(--sec) var(--pad)}
.faq-wrap{max-width:820px;margin:0 auto;width:100%}
.faq{border-bottom:1px solid rgba(33,28,22,.12)}
.faq-q{width:100%;background:none;border:none;cursor:pointer;display:flex;align-items:flex-start;
  justify-content:space-between;gap:16px;padding:20px 0;text-align:left}
.faq-q span{font-family:var(--display);font-weight:600;font-size:1.08rem;color:var(--ink-dk);line-height:1.4}
.faq-q i{flex:none;width:28px;height:28px;border-radius:50%;background:#E0D6C2;color:var(--muted);
  display:flex;align-items:center;justify-content:center;font-size:1.2rem;font-weight:500;line-height:1;
  font-style:normal;transition:background .18s,color .18s}
.faq-q[aria-expanded="true"] i{background:var(--green);color:#fff}
.faq-a{font-size:1rem;line-height:1.7;color:var(--body);padding:0 0 22px;max-width:62ch}
.faq-a[hidden]{display:none}

/* FINAL CTA */
.final{max-width:var(--wrap);margin:0 auto;width:100%;background:var(--green);border-radius:28px;
  padding:clamp(36px,6vw,72px);color:#fff;display:grid;gap:clamp(32px,5vw,56px);
  grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));align-items:center;
  overflow:hidden;position:relative}
.final .deco{position:absolute;right:-40px;top:-30px;opacity:.12;pointer-events:none}
.final > div{position:relative}
.final h2{color:#fff;font-weight:700;font-size:clamp(2rem,4vw,3.2rem);line-height:1.05}
.final h2 em{color:var(--gold);font-style:normal}
.final p.sub{font-size:1.1rem;line-height:1.65;color:rgba(255,255,255,.8);margin-top:18px;max-width:30em}
.final .btn{font-size:1.08rem;padding:17px 34px;margin-top:28px}
.final ul{display:flex;flex-direction:column;gap:16px}
.final ul li{display:flex;align-items:flex-start;gap:12px}
.final ul li b{color:var(--gold);font-weight:700;margin-top:2px}
.final ul li strong{font-weight:600}
.final ul li span{color:rgba(255,255,255,.7)}
.final .docs{font-size:.85rem;color:rgba(255,255,255,.55);line-height:1.6;margin-top:24px}
.final .docs a{color:rgba(255,255,255,.85);text-decoration:underline}

/* FOOTER */
.ftr{background:var(--ink-dk);color:#fff;padding:clamp(44px,6vw,68px) var(--pad) clamp(32px,4vw,44px)}
.ftr-grid{display:grid;gap:clamp(32px,5vw,56px);
  grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));margin-bottom:clamp(36px,5vw,52px)}
.ftr-brand .name{font-family:var(--display);font-weight:700;font-size:1.25rem;color:#fff;margin-bottom:8px;
  display:block}
.ftr-brand .name em{color:var(--gold);font-style:normal}
.ftr-brand .tag{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.4)}
.ftr h4{font-family:var(--display);font-weight:700;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;
  color:rgba(255,255,255,.5);margin-bottom:18px}
.ftr nav{display:flex;flex-direction:column;gap:13px}
.ftr nav a{color:rgba(255,255,255,.72);font-size:.95rem}
.ftr nav a:hover{color:var(--gold)}
.ftr-legal{display:grid;gap:14px;border-top:1px solid rgba(255,255,255,.1);
  padding-top:clamp(28px,4vw,36px)}
.ftr-legal p{font-size:.82rem;line-height:1.75;color:rgba(255,255,255,.45)}
.ftr-legal p.tm{color:rgba(255,255,255,.38);font-style:italic}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* QUICKQUOTE */
.quickquote{padding:clamp(40px,7vw,36px) var(--pad) clamp(48px,7vw,46px)}
.quickquote-frame{align-items:center; background:#fff; border:1px solid var(--line); border-radius:18px;}