:root{
  --g950:#052e16; --g900:#14532d; --g850:#15502b; --g800:#166534; --g700:#15803d; --g600:#16a34a; --g500:#22c55e;
  --lime:#84cc16; --lime-d:#65a30d; --lime-l:#ecfccb; --lime-t:#a3e635;
  --charcoal:#374151; --ink:#0f172a; --body:#334155; --muted:#64748b;
  --line:#e2e8f0; --bg:#f8fafc; --mint:#f0fdf4; --white:#fff;
  --radius:18px; --shadow:0 10px 30px -12px rgba(5,46,22,.25);
  --wrap:1220px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;font-family:Rubik,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--body);background:#fff;line-height:1.65;font-size:17px}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:60;background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;margin:0 0 .5em;font-weight:800;letter-spacing:-.01em;text-wrap:balance}
h2,.h2{font-size:clamp(1.6rem,3.6vw,2.4rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
h4{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.narrow{max-width:960px}
.center{text-align:center}
.lead{font-size:1.12rem;max-width:64ch}
.center .lead{margin-inline:auto}
.ltr{direction:ltr;unicode-bidi:isolate;white-space:nowrap}
.lime{color:var(--g600)}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.grid>*,.split>*,.why-grid>*,.ret-final .wrap>*,.fgrid>*{min-width:0}
.head{margin-bottom:40px}
.chip{display:inline-flex;align-items:center;gap:6px;font-size:.85rem;font-weight:700;color:var(--g700);background:var(--mint);border:1px solid #bbf7d0;padding:4px 14px;border-radius:999px;margin-bottom:14px}
.chip svg{width:16px;height:16px}
.chip-dark{background:var(--mint);color:var(--g700);border-color:#bbf7d0}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:inherit;font-weight:700;font-size:1.05rem;text-decoration:none;border:0;border-radius:14px;padding:15px 26px;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease;min-height:52px}
.btn:focus-visible,.nav a:focus-visible,.pill:focus-visible{outline:3px solid var(--lime);outline-offset:3px}
.btn svg{width:22px;height:22px;flex:none}
.btn-primary{background:linear-gradient(135deg,var(--lime),var(--lime-d));color:var(--g950);box-shadow:0 8px 22px -8px rgba(101,163,13,.7)}
.btn-primary:hover{transform:translateY(-2px)}
.btn-dark{background:var(--g900);color:#fff}
.btn-dark:hover{background:var(--g800)}
.btn-green{background:var(--g600);color:#fff;box-shadow:0 10px 24px -10px rgba(22,163,74,.7)}
.btn-green:hover{background:var(--g700)}
.btn-outline{background:#fff;color:var(--g700);border:2px solid #bbf7d0}
.btn-outline:hover{border-color:var(--g600)}
.btn-white{background:#fff;color:var(--g800);border:4px solid rgba(255,255,255,.55);background-clip:padding-box}
.btn-white:hover{transform:translateY(-2px)}
.btn-wa{background:var(--g900);color:#fff}
.btn-wa:hover{background:var(--g950)}

/* header */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:4px solid var(--g600)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:92px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:none}
.brand svg{width:60px;height:60px;flex:none}
.brand b{display:block;color:var(--ink);font-size:1.6rem;font-weight:900;line-height:1.05}
.brand small{display:block;color:var(--g700);font-size:.8rem;font-weight:700;margin-top:4px}
.brand .lic{display:block;font-style:normal;font-family:ui-monospace,Consolas,monospace;font-size:.72rem;color:var(--muted);margin-top:2px}
.nav{display:flex;align-items:center;gap:6px 26px;flex-wrap:wrap;justify-content:center}
.nav a{text-decoration:none;font-weight:600;color:var(--charcoal);font-size:1rem;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover{color:var(--g700);border-bottom-color:var(--lime)}
.nav a.hot{color:var(--g700)}
.nav .lang{display:inline-flex;align-items:center;gap:6px;color:var(--muted)}
.nav .lang svg{width:18px;height:18px}
.top-actions{display:flex;align-items:center;gap:10px;flex:none}
.pill{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--g600),var(--g500));color:#fff;text-decoration:none;font-weight:800;padding:12px 24px;border-radius:999px;box-shadow:0 10px 22px -10px rgba(22,163,74,.8)}
.pill svg{width:20px;height:20px}
.menu-btn{display:none;width:46px;height:46px;border-radius:12px;border:1px solid var(--line);background:#fff;color:var(--ink);cursor:pointer;align-items:center;justify-content:center}
.menu-btn svg{width:24px;height:24px}

/* hero + services (light) */
.dark{position:relative;color:var(--body);background:#fff;padding-bottom:clamp(56px,8vw,88px)}
.hero{display:flex;justify-content:center;padding-top:clamp(36px,5vw,48px);padding-bottom:clamp(40px,6vw,64px)}
.portrait{position:relative;width:100%;max-width:350px}
.portrait img{border-radius:20px;aspect-ratio:1/1;object-fit:cover;border:1px solid var(--line);box-shadow:0 24px 48px -24px rgba(15,23,42,.35)}
.dark h2{color:var(--ink)}
.svc{counter-reset:none}
.scard{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 1px 2px rgba(15,23,42,.04);transition:border-color .2s,box-shadow .2s}
.scard:hover{border-color:#bbf7d0;box-shadow:0 12px 28px -18px rgba(15,23,42,.3)}
.scard h3{color:var(--ink);font-size:1.2rem;margin-bottom:8px}
.scard p{margin:0;color:var(--body);font-size:.97rem}
.sico{width:48px;height:48px;flex:none;border-radius:12px;display:grid;place-items:center;background:var(--mint);color:var(--g700)}
.sico svg{width:26px;height:26px}
.scard .more{display:inline-flex;align-items:center;gap:6px;margin-top:12px;color:var(--g700);font-weight:700;text-decoration:none;font-size:.95rem}
.scard .more:hover{text-decoration:underline}
.scard .more svg{width:18px;height:18px}
.scard:first-child{border-color:#bbf7d0;border-inline-start:4px solid var(--g600)}
.wave{display:none}

/* retirement chapter */
.ret{background:var(--bg);border-top:1px solid var(--line);padding:clamp(24px,4vw,40px) 0 0}
.ret-open{text-align:center;padding-bottom:clamp(40px,6vw,64px)}
.ret-open h2{font-size:clamp(1.9rem,4.6vw,3rem);max-width:20ch;margin-inline:auto}
.ret-open h2 em{font-style:normal;color:var(--g600)}
.ret-open .lead{margin:0 auto 26px;font-size:clamp(1.05rem,2vw,1.25rem)}
.ret-open .ctas{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-bottom:14px}
.ret-open .note{color:var(--g800);margin:0}
.ret-open .note a{font-weight:700;text-decoration:none;border-bottom:1px solid currentColor}
.block{padding-top:clamp(48px,7vw,80px)}
.split{display:grid;grid-template-columns:.9fr 1.1fr;grid-template-areas:"head list" "ans list";gap:28px 56px;align-items:start;background:#fff;border-radius:28px;padding-top:clamp(28px,4vw,48px);padding-bottom:clamp(28px,4vw,48px);box-shadow:var(--shadow);max-width:calc(var(--wrap) - 40px)}
.split .s-head{grid-area:head}
.split .s-list{grid-area:list}
.split .s-ans{grid-area:ans}
.qlist{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.qlist li{display:flex;gap:14px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:16px 18px;color:var(--ink);font-weight:500}
.qlist svg{width:24px;height:24px;flex:none;color:var(--lime-d);margin-top:2px}
.answer{background:var(--g900);color:#ecfdf5;border-radius:18px;padding:22px 24px;font-size:1.15rem;font-weight:700;line-height:1.5;margin-bottom:20px}
.answer::before{content:"";display:block;width:40px;height:4px;border-radius:4px;background:var(--lime);margin-bottom:12px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 1px 0 rgba(15,23,42,.03)}
.card p{margin:0}
.ico{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:var(--mint);color:var(--g700);margin-bottom:16px}
.ret .ico{background:var(--lime-l)}
.ico svg{width:26px;height:26px}
.steps{list-style:none;margin:0;padding:0}
.num{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--g900);color:var(--lime);font-weight:800;font-size:1.15rem;margin-bottom:14px}
.story-card{background:#fff;border-radius:24px;box-shadow:var(--shadow);padding:clamp(26px,4vw,48px);border-inline-start:6px solid var(--lime);max-width:880px;margin:0 auto}
.story-card h3{font-size:1.4rem}
.story-card .label{display:inline-block;font-size:.85rem;font-weight:700;color:var(--lime-d);margin-bottom:8px}
.story-card .closing{font-weight:700;color:var(--g800);font-size:1.08rem;margin:18px 0 0}
.faq-list{max-width:820px;margin:0 auto}
details{border:1px solid var(--line);border-radius:14px;background:#fff;margin-bottom:12px;overflow:hidden}
summary{cursor:pointer;list-style:none;padding:18px 22px;font-weight:700;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--g700);flex:none;transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
summary:focus-visible{outline:3px solid var(--lime);outline-offset:-3px}
details .ans{padding:0 22px 18px}
details .ans p:last-child{margin:0}
.ret-final{margin-top:clamp(56px,8vw,96px);padding:clamp(56px,8vw,88px) 0;color:#e7f5ea;background:radial-gradient(900px 500px at 10% 110%,rgba(132,204,22,.2),transparent 60%),linear-gradient(135deg,var(--g950),var(--g900))}
.ret-final .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.ret-final .h2{color:#fff}
.ret-final .lead{color:#d1fae5}
.ret-final .call{margin-top:14px;color:#d1fae5}
.ret-final .call a{color:#fff;font-weight:700;text-decoration:none}
.form{background:#fff;color:var(--body);border-radius:24px;padding:clamp(24px,3.5vw,36px);box-shadow:0 30px 60px -24px rgba(0,0,0,.5)}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;color:var(--ink);margin-bottom:6px;font-size:.95rem}
.field .opt{font-weight:400;color:var(--muted)}
.field input,.field select{width:100%;font:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid #cbd5e1;border-radius:12px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--g600);box-shadow:0 0 0 4px rgba(22,163,74,.15)}
.field input[type=tel]{direction:ltr;text-align:right}
.field .err{display:none;color:#b91c1c;font-size:.85rem;margin-top:5px}
.field.bad input,.field.bad select{border-color:#dc2626}
.field.bad .err{display:block}
.form .btn{width:100%;margin-top:6px}
.form .small{font-size:.82rem;color:var(--muted);margin:12px 0 0;text-align:center}

/* about */
.about{padding:clamp(64px,9vw,104px) 0}
.about .big{font-size:clamp(2.2rem,5.5vw,3.4rem);font-weight:900;line-height:1.1}
.prose{max-width:62rem;margin:36px auto 0;font-size:1.08rem;color:var(--body)}
.prose p{margin-bottom:1.3em}
.about-ctas{display:flex;flex-wrap:wrap;justify-content:center;gap:16px;margin-top:20px}
.about-ctas .btn{min-width:240px}
.facts{display:flex;flex-wrap:wrap;justify-content:center;gap:12px 24px;margin-top:28px;font-weight:700;color:var(--charcoal);font-size:.95rem}
.facts span{display:inline-flex;align-items:center;gap:8px}
.facts span+span{border-inline-start:1px solid var(--line);padding-inline-start:24px}
.dot{width:10px;height:10px;border-radius:50%;background:var(--g500);display:inline-block}

/* why */
.why{background:var(--bg);padding:clamp(64px,9vw,104px) 0}
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.why .card h3{margin-bottom:8px}
.why .card p{font-size:.97rem}
.compare{background:#fff;border-radius:24px;overflow:hidden;box-shadow:0 30px 50px -30px rgba(5,46,22,.35)}
.compare-head{background:var(--g900);color:#fff;font-weight:800;font-size:1.35rem;text-align:center;padding:26px}
.tscroll{overflow-x:auto}
.compare table{width:100%;border-collapse:collapse;font-size:1rem}
.compare th,.compare td{padding:18px 20px;text-align:start;border-bottom:1px solid var(--line)}
.compare thead th{font-size:.8rem;color:var(--muted);font-weight:700;letter-spacing:.03em}
.compare thead th.me{color:var(--g700)}
.compare td:first-child{font-weight:700;color:var(--ink)}
.compare td.them{color:var(--muted)}
.compare td.them svg{width:18px;height:18px;color:#f87171;vertical-align:-4px;margin-inline-end:6px}
.ok{display:inline-flex;align-items:center;gap:6px;background:#f0fdf4;border:1px solid #bbf7d0;color:var(--g700);font-weight:700;padding:6px 10px;border-radius:10px}
.ok svg{width:18px;height:18px;flex:none}
.compare-foot{background:var(--mint);color:var(--g800);text-align:center;font-weight:700;padding:16px}

/* cta band */
.cta{background:linear-gradient(135deg,var(--g600),var(--g500));color:#fff;padding:clamp(56px,8vw,80px) 0}
.cta h2{color:#fff}
.cta p{font-size:1.15rem;color:#f0fdf4;max-width:60ch;margin:0 auto 28px}
.cta-btns{display:flex;flex-wrap:wrap;justify-content:center;gap:14px}

/* footer */
footer{background:var(--g900);color:#cbd5e1;padding:56px 0 40px;font-size:.98rem}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:36px}
.fname{display:block;color:#fff;font-size:1.6rem;font-weight:800}
.ftag{display:block;color:#4ade80;font-weight:700;font-size:.85rem;margin:4px 0 14px}
footer h3{color:#fff;font-size:1.1rem;display:inline-block;padding-bottom:10px;border-bottom:2px solid var(--lime);margin-bottom:18px}
footer a{color:#e2e8f0;text-decoration:none;font-weight:600}
footer a:hover{color:var(--lime-t)}
.flist,.flinks{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.flist li{display:flex;align-items:center;gap:12px}
.fi{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;background:rgba(255,255,255,.07);color:#4ade80;flex:none}
.fi svg{width:18px;height:18px}
.social{display:flex;gap:12px;margin-top:22px}
.social a{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;background:rgba(255,255,255,.07)}
.social svg{width:20px;height:20px}
.disclaimer{grid-column:1/-1;color:#94a3b8;font-size:.85rem;margin:0}
.copy{grid-column:1/-1;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid rgba(255,255,255,.1);padding-top:22px;color:#86efac;font-size:.9rem}

/* mobile bar */
.mbar{display:none;position:fixed;inset-inline:0;bottom:0;z-index:50;background:#fff;border-top:1px solid var(--line);padding:10px max(12px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(12px,env(safe-area-inset-left,0px));gap:10px;box-shadow:0 -8px 24px -12px rgba(15,23,42,.25)}
.mbar .btn{flex:1;padding:12px 10px;min-height:50px;font-size:1rem}
.mbar .btn-dark{flex:0 0 auto;padding-inline:18px}

@media (max-width:1100px){
  .top .wrap{min-height:76px}
  .menu-btn{display:inline-flex}
  .nav{display:none;position:absolute;top:100%;inset-inline:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px max(20px,env(safe-area-inset-right,0px)) 16px max(20px,env(safe-area-inset-left,0px));border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(15,23,42,.3)}
  .nav.open{display:flex}
  .nav a{padding:12px 4px;border-bottom:1px solid var(--line)}
  .brand svg{width:50px;height:50px}
  .brand b{font-size:1.35rem}
}
@media (max-width:960px){
  .g3{grid-template-columns:repeat(2,1fr)}
  .steps.g3,.ret .g3{grid-template-columns:1fr}
  .split{grid-template-columns:1fr;grid-template-areas:"head" "list" "ans";border-radius:0;box-shadow:none;background:transparent;padding-top:0;padding-bottom:0}
  .why-grid{grid-template-columns:1fr}
  .ret-final .wrap{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr}
  .fgrid>div:first-child{grid-column:1/-1}
}
@media (max-width:640px){
  body{font-size:16px}
  .g2,.g3{grid-template-columns:1fr}
  .brand .lic{display:none}
  .pill{padding:11px 14px}
  .pill .pnum{display:none}
  .portrait{max-width:290px}
  .ret-open .btn,.about-ctas .btn,.cta-btns .btn{width:100%}
  .compare th,.compare td{padding:12px 10px;font-size:.92rem}
  .facts span+span{border:0;padding:0}
  .fgrid{grid-template-columns:1fr}
  footer{padding-bottom:110px}
  .mbar{display:flex}
}
@media (max-width:380px){
  .brand small{display:none}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}