/* Original licensed local font files; see assets/fonts/OFL-*.txt. */
@font-face{font-family:Inter;src:url('../fonts/inter-latin-ext.woff2') format('woff2');font-weight:400 600;font-display:swap;unicode-range:U+0100-02FF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+2020,U+20A0-20AB,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:Inter;src:url('../fonts/inter-latin.woff2') format('woff2');font-weight:400 600;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:Outfit;src:url('../fonts/outfit-latin-ext.woff2') format('woff2');font-weight:500 800;font-display:swap;unicode-range:U+0100-02FF,U+0304,U+0308,U+0329,U+1E00-1EFF,U+2020,U+20A0-20AB,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:Outfit;src:url('../fonts/outfit-latin.woff2') format('woff2');font-weight:500 800;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
:root{--white:#fff;--navy:#002d3e;--turquoise:#00abbd;--teal:color-mix(in srgb,var(--navy) 40%,var(--turquoise));--muted:color-mix(in srgb,var(--navy) 78%,var(--white));--line:color-mix(in srgb,var(--navy) 18%,var(--white));--soft:color-mix(in srgb,var(--navy) 3%,var(--white));--heading:Outfit,system-ui,sans-serif;--body:Inter,system-ui,sans-serif;--radius:14px;--header:82px;--obstruction:0px;--safe-bottom:env(safe-area-inset-bottom,0px)}
/* Supplied Latin fonts have no Cyrillic; Ukrainian uses a coherent native family. */
html[lang=uk]{--heading:system-ui,sans-serif;--body:system-ui,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header) + 24px)}body{font:16px/1.65 var(--body);color:var(--navy);background:var(--white);overflow-x:clip}[hidden]{display:none!important}img,svg,iframe{max-width:100%}img{display:block;height:auto}button,input,select,textarea{font:inherit}button{cursor:pointer}a{color:inherit;text-decoration:none;text-underline-offset:.22em}a:hover{color:var(--teal)}h1,h2,h3{font-family:var(--heading);font-weight:500;letter-spacing:-.035em;line-height:1.13;overflow-wrap:break-word}h1{font-size:clamp(2.6rem,7vw,4.8rem);margin:0 0 1.5rem;max-width:16ch}h2{font-size:clamp(2rem,4vw,3.2rem);margin-bottom:1.25rem}h3{font-size:1.5rem;margin-bottom:1rem}p{margin-bottom:1.25rem;color:var(--muted)}p,li{overflow-wrap:break-word}p:last-child{margin-bottom:0}strong{font-weight:600}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid var(--navy);outline-offset:4px}address{font-style:normal}ul{padding-left:1.25rem}li{margin-bottom:.6rem}.container{width:100%;max-width:1280px;margin-inline:auto;padding-inline:1.25rem}.section{padding-block:3.5rem}.soft{background:var(--soft)}.eyebrow{display:block;color:var(--teal);font-size:.75rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;margin-bottom:1.25rem}.section-head{margin-bottom:2.5rem}.section-head h2{max-width:21ch}.section-head p{max-width:46ch}.small-copy,.form-hint,.privacy-line{font-size:.8125rem;line-height:1.65}.text-link,.service-links a,.team-card>a,.review-card>a{display:inline-flex;align-items:center;gap:.6rem;min-height:44px;color:var(--teal);font-weight:500;text-decoration:underline}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.7rem;min-height:48px;max-width:100%;padding:.85rem 1.25rem;border:1px solid transparent;border-radius:5px;font-size:.9375rem;font-weight:600;line-height:1.4;text-align:center;transition:background .2s,color .2s}.btn-primary{background:var(--turquoise);color:var(--navy)}.btn-primary:hover{background:var(--navy);color:var(--white)}.btn-secondary{background:transparent;color:inherit;border-color:var(--line)}.btn-secondary:hover{background:var(--navy);color:var(--white)}.btn-block{display:flex;width:100%}.skip-link{position:fixed;z-index:500;top:10px;left:16px;background:var(--navy);color:var(--white);padding:12px;transform:translateY(-160%)}.skip-link:focus{transform:none}
/* Navigation */
#header{position:fixed;inset:0 0 auto;background:var(--navy);color:var(--white);z-index:100;border-bottom:1px solid color-mix(in srgb,var(--white) 15%,var(--navy))}.nav-wrapper{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:var(--header)}.brand{display:flex;flex-direction:column;align-items:flex-start;flex-shrink:0;width:155px;line-height:1}.brand img{width:140px;height:42px;object-fit:contain;object-position:left center}.brand>span{font-size:.57rem;letter-spacing:.22em;color:var(--white);margin:0 0 7px 3px}#main-nav{position:absolute;inset:100% 0 auto;width:100%}.nav-links{list-style:none;padding:1rem 1.25rem;background:var(--navy);display:none;flex-direction:column;gap:.15rem;max-height:calc(100dvh - var(--header));overflow-y:auto}.nav-links.active{display:flex}.nav-links li{margin:0}.nav-links a{display:flex;align-items:center;min-height:44px;padding:.6rem .75rem;font-size:.875rem;line-height:1.4}.nav-links a:hover{color:var(--turquoise)}.nav-contact{background:var(--turquoise);color:var(--navy)!important;border-radius:5px}.mobile-menu-toggle{display:inline-flex;justify-content:center;align-items:center;flex:0 0 44px;width:44px;height:44px;color:var(--white);background:transparent;border:1px solid color-mix(in srgb,var(--white) 30%,var(--navy));border-radius:5px}.language-switch{position:relative;margin-left:auto;flex:0 0 54px}.language-switch summary{display:flex;justify-content:space-between;align-items:center;min-height:44px;font-size:.8125rem;cursor:pointer;list-style:none;padding:.5rem}.language-switch summary::-webkit-details-marker{display:none}.language-switch nav{position:absolute;top:100%;right:0;min-width:180px;padding:.5rem;background:var(--navy);border:1px solid color-mix(in srgb,var(--white) 25%,var(--navy));border-radius:8px;box-shadow:0 8px 22px #002d3e22}.language-switch a{display:flex;align-items:center;gap:1rem;padding:.6rem;min-height:44px;font-size:.8125rem}.language-switch a[aria-current]{color:var(--turquoise)}#header :focus-visible{outline-color:var(--turquoise)}
/* Editorial sections */
.hero{padding-top:calc(var(--header) + 2.75rem)}.hero-grid,.service-hero-grid,.split-content{display:grid;grid-template-columns:minmax(0,1fr);gap:2.5rem;align-items:center}.hero-lead{font-size:1.125rem;line-height:1.65;max-width:48ch}.hero-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}.hero-actions .btn{width:100%}.hero-note{font-size:.8125rem;margin-top:1rem}.office-photo{margin:0;min-width:0}.office-photo img{width:100%;height:auto;aspect-ratio:16/10;object-fit:cover;border-radius:var(--radius)}.hero-photo{max-width:500px;width:100%;justify-self:center}.hero-photo img{aspect-ratio:4/5;object-position:center 65%}.office-photo figcaption{font-size:.75rem;color:var(--muted);margin-top:.75rem}.office-brand{padding:3rem;background:var(--soft);border-radius:var(--radius)}.stats{display:grid;grid-template-columns:1fr;gap:1.25rem;margin-top:2.75rem;padding-block:1.75rem;border-block:1px solid var(--line)}.stats>div{display:flex;align-items:baseline;flex-wrap:wrap;gap:.25rem .75rem}.stats strong{font:500 clamp(2rem,5vw,2.6rem)/1.1 var(--heading);letter-spacing:-.04em}.stats span{font-size:.875rem;color:var(--muted)}.stats>p{font-size:.75rem;margin:0}.benefit-grid,.service-grid,.team-grid,.reviews-grid,.process-grid,.two-columns{display:grid;gap:1.5rem}.benefit-grid article,.team-card,.process-grid li{border-top:1px solid var(--line);padding-top:1.5rem;min-width:0}.benefit-grid h3,.process-grid h3{font-size:1.3rem}.benefit-grid p,.process-grid p{font-size:.9375rem}.mini-number{display:block;color:var(--teal);font-size:.8125rem;margin-bottom:1rem}.service-card{display:flex;flex-direction:column;min-width:0;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.75rem}.service-card h3{font-size:2rem}.service-card p{font-size:.9375rem;min-height:3em}.service-links{display:grid;margin-top:auto;border-top:1px solid var(--line);padding-top:.75rem}.service-links a{font-size:.875rem;line-height:1.4;justify-content:space-between;padding-block:.5rem}.feature-band{display:grid;gap:1.5rem;align-items:center;margin-top:2.5rem;padding-top:2.5rem;border-top:1px solid var(--line)}.feature-band h2,.feature-band h3{max-width:24ch}.feature-band p{max-width:58ch}.section>.feature-band{margin-top:0;padding-top:0;border:0}.team-card{display:flex;flex-direction:column}.person-initial{display:grid;place-items:center;width:64px;height:64px;background:var(--soft);border-radius:50%;color:var(--teal);font:500 1.5rem var(--heading);margin-bottom:1.5rem}.team-card .eyebrow{margin-bottom:.75rem}.team-card p{max-width:42ch}.team-card>a{align-self:flex-start;margin-top:auto}.team-card .small-contact{font-size:.8125rem;margin-top:0}.cross-site-label{display:block;color:var(--teal);margin-top:auto;min-height:44px;line-height:1.5;padding-block:.5rem}.review-card{display:flex;flex-direction:column;padding:1.5rem;border:1px solid var(--line);border-radius:var(--radius);background:var(--white)}.review-source{font-size:.75rem;color:var(--muted);line-height:1.5;min-height:3em;margin-bottom:1.25rem}.stars{font-size:1.125rem;letter-spacing:.12em;color:var(--teal);margin-bottom:1rem}.review-card blockquote{margin:0 0 1rem}.review-card blockquote p{font-size:1.0625rem;color:var(--navy)}.review-card h3{font-size:1rem;margin:1rem 0 .5rem}.review-date,.review-attribution{font-size:.75rem;color:var(--muted)}.review-card>a{margin-top:auto;font-size:.8125rem}.process-grid{list-style:none;padding:0}.process-grid li{margin:0}.step-number{display:block;font:500 2.4rem/1 var(--heading);color:var(--teal);margin-bottom:1.5rem}.breadcrumbs{display:flex;align-items:center;gap:.6rem;flex-wrap:wrap;font-size:.8125rem;color:var(--muted);margin-bottom:2.5rem}.breadcrumbs a{display:inline-flex;align-items:center;min-height:44px;color:var(--teal)}.service-hero{padding-bottom:3.5rem;border-bottom:1px solid var(--line)}.service-hero h1{font-size:clamp(2.5rem,5.5vw,4.2rem);max-width:19ch}.service-summary{border:1px solid var(--line);border-top:3px solid var(--turquoise);border-radius:var(--radius);padding:2rem;background:var(--soft)}.service-summary h2{font-size:1.5rem}.service-summary li{font-size:.9375rem}.summary-caption{display:block;font-size:.75rem;color:var(--muted);margin-top:1.5rem}.reading-card{border:1px solid var(--line);border-radius:var(--radius);padding:1.75rem}.reading-card h2{font-size:1.9rem}.reading-card .btn{margin-top:1rem}.faq-layout{display:grid;gap:1rem}.faq-list{min-width:0}.faq-list details{border-block-end:1px solid var(--line)}.faq-list details:first-child{border-block-start:1px solid var(--line)}.faq-list summary{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:60px;padding-block:1rem;cursor:pointer;font-weight:500;list-style:none}.faq-list summary::after{content:'+';font-size:1.5rem;flex-shrink:0;color:var(--teal)}.faq-list summary::-webkit-details-marker{display:none}.faq-list details[open]>summary::after{content:'−'}.faq-list details p{max-width:68ch;padding-bottom:1.25rem;font-size:.9375rem}
/* Contacts and form */
.contact-section{background:var(--navy);color:var(--white);--muted:color-mix(in srgb,var(--white) 80%,var(--navy));--teal:var(--turquoise);--line:color-mix(in srgb,var(--white) 30%,var(--navy))}.contact-grid{display:grid;gap:2.5rem;align-items:start}.contact-grid h2{max-width:18ch}.contact-details{display:grid;gap:.5rem;margin-block:1.5rem;font-size:1.0625rem}.contact-details a{display:inline-flex;align-items:center;min-height:44px;overflow-wrap:anywhere}.contact-form-card{background:var(--white);color:var(--navy);padding:1.75rem;border-radius:var(--radius);--muted:color-mix(in srgb,var(--navy) 78%,var(--white));--teal:color-mix(in srgb,var(--navy) 40%,var(--turquoise));--line:color-mix(in srgb,var(--navy) 22%,var(--white))}.contact-form-card h3{font-size:1.65rem}.direct-contact{font-size:.875rem;overflow-wrap:anywhere}.direct-contact a{display:inline-flex;align-items:center;min-height:44px;text-decoration:underline}.form-field{display:grid;gap:.5rem;margin-bottom:1.15rem}.form-field label{font-size:.875rem;font-weight:500}.form-field input,.form-field textarea{display:block;min-width:0;max-width:100%;width:100%;min-height:48px;padding:.8rem .9rem;border:1px solid color-mix(in srgb,var(--navy) 45%,var(--white));border-radius:5px;background:var(--white);color:var(--navy);font-size:16px}.form-field textarea{min-height:108px;resize:vertical}.form-field input::placeholder,.form-field textarea::placeholder{color:var(--muted)}.form-field [aria-invalid]{border-width:2px}.form-status{font-size:.875rem;line-height:1.6;margin:0;color:var(--navy)}.form-status:not(:empty){margin-block:1rem}.form-hint{margin-block:.875rem;color:var(--muted)}.privacy-line{margin-top:1rem;color:var(--muted)}.privacy-line a{text-decoration:underline;color:var(--teal)}.honeypot{display:none!important}.map-preview{padding:1.25rem;border:1px solid var(--line);border-radius:var(--radius);margin-top:1.75rem}.map-preview p{font-size:.8125rem}.map-preview iframe{display:block;width:100%;height:250px;border:0;border-radius:8px}.contact-section>.container>div>.text-link{margin-top:.75rem}.contact-section :focus-visible{outline-color:var(--turquoise)}.contact-form-card :focus-visible{outline-color:var(--navy)}
/* Illustrative annuity calculator */
.calculator{display:grid;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.calculator-inputs{padding:1.5rem}.calculator-results{background:var(--navy);color:var(--white);padding:2rem;display:flex;flex-direction:column;justify-content:center;--line:color-mix(in srgb,var(--white) 30%,var(--navy))}.calculator-results>span{font-size:.875rem}.calculator-results>strong{font:500 clamp(2.7rem,7vw,4.5rem)/1.2 var(--heading);margin:1rem 0 2rem;letter-spacing:-.04em}.calculator-results dl{margin:0 0 1.75rem}.calculator-results dl>div{display:flex;justify-content:space-between;gap:1.5rem;padding:.75rem 0;border-bottom:1px solid var(--line);font-size:.875rem}.calculator-results dd{text-align:right;white-space:nowrap;font-weight:600}.calculator-results p{color:var(--white)}.calculator-results :focus-visible{outline-color:var(--turquoise)}.calculator-note{font-size:.8125rem;line-height:1.7;max-width:100ch;margin:1.5rem 0}.input-pair{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.narrow{max-width:920px}.legal-page{max-width:880px;padding-top:calc(var(--header) + 3rem);padding-bottom:4rem}.legal-page h1{font-size:clamp(2.4rem,5vw,3.8rem)}.legal-page h2{font-size:1.65rem;margin:2.5rem 0 1rem}.legal-page a{text-decoration:underline;color:var(--teal)}
/* Five-column navy footer */
.footer{background:var(--navy);color:var(--white);padding:3.5rem 0 calc(6rem + var(--safe-bottom));--muted:color-mix(in srgb,var(--white) 82%,var(--navy));--teal:var(--turquoise);--line:color-mix(in srgb,var(--white) 22%,var(--navy))}.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem 1.5rem}.footer-brand,.footer-grid>.footer-group:last-of-type,.footer-bottom{grid-column:1/-1}.footer-brand .brand{width:200px}.footer-brand .brand img{width:180px;height:60px}.footer-brand p{max-width:32ch;font-size:.875rem;margin-top:1.25rem}.footer-group{min-width:0}.footer-group h2{color:var(--turquoise);font:600 .9375rem/1.5 var(--body);letter-spacing:0;margin-bottom:1rem}.footer-group a{display:flex;align-items:center;gap:.4rem;min-height:44px;font-size:.8125rem;line-height:1.5;padding-block:.5rem;color:var(--muted);overflow-wrap:anywhere}.footer-group a:hover{color:var(--turquoise);text-decoration:underline}.footer-group p{font-size:.875rem}.footer :focus-visible{outline-color:var(--turquoise)}.footer-bottom{border-top:1px solid var(--line);padding-top:1.5rem;display:grid;gap:.5rem}.footer-bottom p{font-size:.75rem;margin:0}
/* Point Nivy wordmark: original pixels, tight SVG viewport, clear branch label. */
.brand{width:158px;gap:7px;align-items:flex-start}.brand img{width:132px;height:auto;aspect-ratio:557/163;object-fit:contain}.brand>span{margin:0;font-size:.64rem;line-height:1.2;letter-spacing:.2em}.footer-brand .brand{gap:10px}.footer-brand .brand img{width:174px;height:auto}.footer-brand .brand>span{font-size:.75rem}
.branch-proof{max-width:1280px;margin:3rem auto 0;padding-inline:1.25rem}.branch-proof>.container{padding:1.75rem;background:var(--navy);color:var(--white);border-radius:14px}.branch-proof h2{font:500 .8125rem/1.5 var(--body);letter-spacing:.08em;text-transform:uppercase;color:color-mix(in srgb,var(--white) 80%,var(--navy));margin-bottom:1.5rem}.proof-metrics{display:grid;gap:1.5rem}.proof-metrics>div{display:flex;flex-direction:column;min-width:0;border-top:1px solid color-mix(in srgb,var(--white) 22%,var(--navy));padding-top:1.25rem}.proof-metrics dd{order:-1;font:500 clamp(2.8rem,5vw,3.7rem)/1.05 var(--heading);letter-spacing:-.045em;margin-bottom:.65rem;white-space:nowrap}.proof-metrics dd>span{font-size:clamp(1.05rem,2vw,1.4rem);letter-spacing:-.01em;margin-left:.35rem}.proof-metrics dt{font-size:.9375rem}.proof-metrics p{font-size:.72rem;line-height:1.5;margin:.4rem 0 0;color:color-mix(in srgb,var(--white) 72%,var(--navy))}
.scope-intro{max-width:730px}.market-scope{background:var(--soft);border-block:1px solid var(--line)}.scope-path{list-style:none;padding:0;margin:2.5rem 0;display:grid;gap:1.5rem}.scope-path li{display:flex;gap:1rem;margin:0;min-width:0}.scope-path li>span{display:grid;place-items:center;flex:0 0 36px;height:36px;border:1px solid var(--teal);border-radius:50%;color:var(--teal);font-size:.75rem}.scope-path h3{font-size:1.25rem;margin-bottom:.5rem}.scope-path p{font-size:.875rem;max-width:32ch}.scope-note{max-width:90ch;font-size:.9375rem}.source-note{font-size:.72rem;line-height:1.6;color:var(--muted);margin-top:1rem}.contact-pair{display:grid;gap:0 1rem}.lead-chat-panel .contact-pair{grid-template-columns:1fr}.pension-table-wrap{max-width:100%;overflow-x:auto;border:1px solid var(--line);border-radius:14px;margin:1rem 0 1.5rem}.pension-table-wrap:focus-visible{outline:3px solid var(--navy);outline-offset:4px}.pension-table-wrap table{width:100%;min-width:660px;border-collapse:collapse;font-size:.875rem;text-align:left}.pension-table-wrap caption{text-align:left;font-weight:600;padding:1rem 1.25rem;background:var(--soft);caption-side:top}.pension-table-wrap thead{background:var(--navy);color:var(--white)}.pension-table-wrap th,.pension-table-wrap td{padding:1rem 1.25rem;border-bottom:1px solid var(--line);vertical-align:top}.pension-table-wrap td:nth-last-child(-n+2),.pension-table-wrap thead th:nth-last-child(-n+2){text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.pension-table-wrap tr:last-child>*{border-bottom:0}.pension-table-wrap tbody tr:nth-child(even){background:var(--soft)}.pension-context{max-width:80ch}.pension-risk{padding:1.25rem 1.5rem;border-left:3px solid var(--turquoise);background:var(--soft);font-size:.875rem;max-width:95ch;margin-top:1.5rem}
@media(min-width:650px){.proof-metrics{grid-template-columns:repeat(3,minmax(0,1fr));gap:1.5rem}.proof-metrics>div{border-top:0;padding:0 0 0 1.5rem;border-left:1px solid color-mix(in srgb,var(--white) 22%,var(--navy))}.proof-metrics>div:first-child{padding-left:0;border:0}.branch-proof>.container{padding:2rem}.contact-form-card .contact-pair{grid-template-columns:1fr 1fr}.scope-path{grid-template-columns:repeat(3,minmax(0,1fr));gap:2rem}.proof-metrics dd{font-size:clamp(2.7rem,4vw,3.7rem)}}
@media(max-width:649px){.proof-metrics>div{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:.35rem 1rem;align-items:center}.proof-metrics dd{grid-row:1/3;font-size:2.6rem;margin-bottom:0}.proof-metrics dt{font-size:.8125rem;line-height:1.4}.proof-metrics p{grid-column:2;font-size:.65rem;margin:0}.branch-proof h2{font-size:.6875rem}.branch-proof>.container{padding:1.5rem}.branch-proof{padding-inline:1.25rem}.proof-metrics dd>span{display:inline-block;font-size:.85rem;margin-left:.2rem}.proof-metrics>div:nth-child(2) dd>span{display:block;margin:.25rem 0 0}.contact-pair{grid-template-columns:1fr}}
/* Fixed controls share one measured obstruction. */
.privacy-note{position:fixed;left:12px;right:12px;bottom:calc(12px + var(--safe-bottom));z-index:120;display:flex;gap:1rem;align-items:center;padding:1rem;border:1px solid var(--line);border-radius:10px;background:var(--white);box-shadow:0 8px 30px #002d3e20}.privacy-note p{font-size:.75rem;line-height:1.65;margin:0}.privacy-note a{text-decoration:underline}.privacy-note .btn{flex-shrink:0;min-height:44px;font-size:.8125rem;padding:.6rem .75rem}.mobile-sticky-cta{position:fixed;inset:auto 0 0;padding:12px 20px calc(12px + var(--safe-bottom));border-top:1px solid var(--line);background:var(--white);z-index:110}.mobile-sticky-cta .btn{display:flex;width:100%;max-width:440px;margin:auto}
.lead-chat{position:fixed;right:max(16px,env(safe-area-inset-right,0px));bottom:calc(16px + var(--obstruction) + var(--safe-bottom));width:min(340px,calc(100% - 32px));z-index:130;display:grid;justify-items:end;gap:10px;pointer-events:none}.lead-chat-panel{width:100%;max-height:min(500px,calc(100dvh - 100px - var(--safe-bottom)));display:grid;grid-template-rows:auto minmax(0,1fr);background:var(--white);color:var(--navy);border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 40px #002d3e30;overflow:hidden;pointer-events:auto}.lead-chat-panel>header{display:flex;align-items:center;gap:10px;padding:10px 12px;background:var(--navy);color:var(--white)}.chat-avatar{display:block;flex:0 0 40px;width:40px;height:40px;overflow:hidden;background:var(--turquoise);border-radius:50%}.chat-avatar img{display:block;width:100%;height:100%;object-fit:cover;transform:scale(1.65);transform-origin:35% 20%}.lead-chat-panel>header>div{flex:1;min-width:0}.lead-chat-panel>header h2{font:600 .875rem/1.4 var(--body);margin:0;letter-spacing:0}.lead-chat-panel>header>div>span{display:block;font-size:.6875rem;line-height:1.5}.lead-chat-panel>header button{display:grid;place-items:center;width:44px;height:44px;flex-shrink:0;border:0;border-radius:6px;background:transparent;color:var(--white);font-size:1.75rem}.lead-chat-panel>header button:focus-visible{outline-color:var(--white)}.chat-body{min-height:0;overflow:auto;overscroll-behavior:contain;padding:16px}.chat-body>.chat-intro{font-size:.875rem;font-weight:500;line-height:1.5;margin:0 0 12px;color:var(--navy)}.chat-body .form-field{gap:5px;margin-bottom:10px}.chat-body .form-field label{font-size:.75rem;line-height:1.4}.chat-body .form-field input,.chat-body .form-field textarea{min-height:44px;padding:8px 10px;font-size:16px}.chat-body .form-field textarea{height:64px;min-height:64px;max-height:120px}.lead-chat-panel .contact-pair{grid-template-columns:repeat(2,minmax(0,1fr));gap:0 10px;align-items:end}.chat-body .form-hint{font-size:.6875rem;line-height:1.55;margin:6px 0 10px}.chat-body .btn{min-height:44px;padding:9px 12px;font-size:.8125rem}.chat-body .form-status{font-size:.75rem;line-height:1.6}.chat-body .form-status:empty{display:none}.chat-body .form-status:not(:empty){margin-block:10px}.chat-body .privacy-line{margin-top:8px;font-size:.6875rem;line-height:1.5}.chat-body .privacy-line a{display:inline-flex;align-items:center;min-height:30px}.chat-bubble{display:grid;place-items:center;pointer-events:auto;width:54px;height:54px;border-radius:50%;border:0;background:var(--turquoise);color:var(--navy);box-shadow:0 6px 24px #002d3e25}.chat-bubble[aria-expanded=true]{box-shadow:inset 0 0 0 2px var(--navy)}.chat-open .privacy-note,.chat-open .mobile-sticky-cta{display:none!important}
@media(min-width:600px){.hero-actions .btn{width:auto}.benefit-grid,.process-grid,.team-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.stats{grid-template-columns:1fr 1.5fr;align-items:center}.stats>p{grid-column:1/-1}.footer-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.calculator{grid-template-columns:1fr 1fr}.calculator-inputs{padding:2rem}.feature-band{grid-template-columns:1.4fr 1fr}.feature-band>.btn{justify-self:end}.privacy-note{left:auto;right:20px;max-width:430px}}
@media(min-width:768px){:root{--header:88px}body{font-size:17px}.container{padding-inline:2.5rem}.section{padding-block:5rem}.hero{padding-top:calc(var(--header) + 3.5rem)}.hero-grid{grid-template-columns:1.1fr .9fr;gap:4rem}.hero-photo{max-width:460px}.section-head{display:grid;grid-template-columns:1.2fr 1fr;gap:3rem;align-items:end}.section-head h2,.section-head p{margin-bottom:0}.service-grid,.reviews-grid,.team-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.service-hero-grid{grid-template-columns:1.4fr 1fr;gap:3rem}.two-columns,.split-content{grid-template-columns:repeat(2,minmax(0,1fr));gap:3rem}.faq-layout{grid-template-columns:.85fr 1.4fr;gap:4rem}.faq-layout .section-head{display:block;margin:0}.contact-grid{grid-template-columns:1fr 1fr;gap:3rem}.footer{padding-bottom:2rem}.footer-bottom{grid-template-columns:1.5fr 1fr}.footer-bottom>p:last-child{text-align:right}.mobile-sticky-cta{display:none}}
@media(min-width:1100px){.mobile-menu-toggle{display:none}#main-nav{position:static;width:auto;margin-left:auto}.nav-links{display:flex;flex-direction:row;align-items:center;gap:.1rem;padding:0;max-height:none;overflow:visible}.nav-links a{padding-inline:.65rem;font-size:.8125rem}.language-switch{margin-left:.5rem}.brand{width:165px}.brand img{width:155px}.section{padding-block:5.5rem}.hero-grid{gap:5.5rem}.benefit-grid,.process-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:2.5rem}.service-card{padding:2rem}.contact-grid{gap:5rem}.footer-grid{grid-template-columns:1.35fr .95fr 1fr .85fr 1.4fr;gap:2.5rem 2rem}.footer-brand,.footer-grid>.footer-group:last-of-type{grid-column:auto}.footer-bottom{grid-column:1/-1}.footer-brand .brand{width:100%;max-width:200px}.footer-brand p{max-width:28ch}}
@media(max-width:359px){.container{padding-inline:1rem}.nav-wrapper{gap:.5rem}.brand{width:135px}.brand img{width:125px}.brand>span{font-size:.5rem}.language-switch{flex-basis:46px}.footer-grid{grid-template-columns:1fr}.privacy-note{flex-wrap:wrap}.privacy-note>.btn{margin-left:auto}.calculator-results{padding:1.5rem}.calculator-results dl>div{flex-wrap:wrap;gap:.25rem}.input-pair{gap:.75rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}