:root,
[data-mode="light"] {
  --bg: #EDF5FA;
  --ink: #142637;
  --muted: #5D7385;
  --soft: #DCEAF3;
  --white: #FFFFFF;
  --yellow: #087FAD;
  --yellow-deep: #075B82;
  --line: #142637;
  --card-line: #142637;
}

[data-mode="dark"] {
  --bg: #0B141D;
  --ink: #EFF8FF;
  --muted: #A1B8C9;
  --soft: #162633;
  --white: #142637;
  --yellow: #48C8F2;
  --yellow-deep: #1CA5D5;
  --line: #EFF8FF;
  --card-line: #344B5B;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; }
body {
  font-family: Sora, system-ui, sans-serif;
  background: var(--bg); color: var(--ink);
  font-size: 16px; line-height: 1.7;
  transition: background .35s ease, color .35s ease;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font-family: inherit; }
::selection { background: var(--yellow); color: #121212; }
:focus-visible { outline: 3px solid var(--ink); outline-offset: 3px; }

.shell { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.block { padding: 96px 0; }
.tagline {
  display: inline-flex; align-items: center; gap: 9px;
  background: var(--yellow); color: #121212; padding: 7px 15px; border-radius: 999px;
  font-size: 12.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 18px;
}
.tagline.ink { background: var(--ink); color: var(--bg); }
h1, h2, h3, h4 { font-weight: 700; letter-spacing: -.035em; line-height: 1.12; }
.big { font-size: clamp(32px, 5vw, 56px); margin-bottom: 16px; }
.mid { font-size: clamp(24px, 3vw, 32px); }
.muted { color: var(--muted); font-size: 17px; max-width: 560px; }

.hard {
  background: var(--white); border: 2.5px solid var(--card-line); border-radius: 22px;
  box-shadow: 8px 8px 0 var(--ink);
}
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 14px 24px; border-radius: 999px; font-weight: 700; font-size: 15px; cursor: pointer;
  border: 2.5px solid var(--line); background: var(--yellow); color: #121212;
  transition: transform .18s ease, box-shadow .18s ease;
}
.btn:hover { transform: translate(-2px, -2px); box-shadow: 5px 5px 0 var(--ink); }
.btn.dark { background: var(--ink); color: var(--bg); }
.btn.ghost { background: transparent; color: var(--ink); }
.btn.sm { padding: 9px 17px; font-size: 13.5px; border-width: 2px; }
.spin { display: none; width: 15px; height: 15px; border: 2.5px solid rgba(0,0,0,.25); border-top-color: currentColor; border-radius: 50%; animation: sp .7s linear infinite; }
.btn.busy .lbl { display: none; }
.btn.busy .spin { display: inline-block; }
@keyframes sp { to { transform: rotate(360deg); } }

.pop { opacity: 0; transform: translateY(22px) scale(.97); transition: opacity .55s ease, transform .55s cubic-bezier(.2,.9,.3,1.25); }
.pop.in { opacity: 1; transform: none; }

header {
  position: sticky; top: 0; z-index: 80; background: var(--bg);
  border-bottom: 2.5px solid var(--line);
}
.bar { height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.brand { display: flex; align-items: center; gap: 11px; font-weight: 700; font-size: 19px; letter-spacing: -.03em; }
.brand .mk {
  width: 38px; height: 38px; border-radius: 12px; background: var(--yellow); border: 2.5px solid var(--line);
  display: grid; place-items: center; color: #121212; font-size: 16px;
}
.menu { display: flex; gap: 22px; }
.menu a { font-size: 14.5px; font-weight: 600; position: relative; padding: 6px 0; }
.menu a::after {
  content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 3px;
  background: var(--yellow-deep); transition: width .25s ease;
}
.menu a:hover::after, .menu a.on::after { width: 100%; }
.acts { display: flex; align-items: center; gap: 10px; }
.toggle {
  width: 62px; height: 33px; border-radius: 999px; border: 2.5px solid var(--line); background: var(--soft);
  position: relative; cursor: pointer;
}
.toggle .knob {
  position: absolute; top: 2px; left: 3px; width: 21px; height: 21px; border-radius: 50%;
  background: var(--ink); transition: left .28s cubic-bezier(.2,.9,.3,1.3);
}
[data-mode="dark"] .toggle .knob { left: 29px; background: var(--yellow); }
.burger { display: none; width: 45px; height: 45px; border-radius: 12px; border: 2.5px solid var(--line); background: var(--white); cursor: pointer; color: var(--ink); font-size: 19px; }
.sheet { position: fixed; inset: 0; background: var(--bg); z-index: 100; padding: 24px; display: none; }
.sheet.open { display: block; }
.sheet a { display: block; padding: 16px 6px; border-bottom: 2.5px solid var(--line); font-size: 21px; font-weight: 700; letter-spacing: -.02em; }

.hero { padding: 52px 0 30px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.02fr .98fr; gap: 46px; align-items: center; }
.hero h1 { font-size: clamp(38px, 5vw, 58px); line-height: 1.03; letter-spacing: -.045em; margin-bottom: 20px; }
.hero h1 .mark {
  background: var(--yellow); padding: 0 12px; border-radius: 12px; box-decoration-break: clone; -webkit-box-decoration-break: clone;
}
.hero p.lead { font-size: 18.5px; color: var(--muted); max-width: 500px; margin-bottom: 26px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 30px; }
.mini-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; max-width: 520px; }
.mini {
  border: 2.5px solid var(--card-line); border-radius: 16px; padding: 15px 17px; background: var(--white);
}
.mini .ic {
  width: 36px; height: 36px; border-radius: 11px; background: var(--yellow); color: #121212;
  display: grid; place-items: center; margin-bottom: 8px; font-size: 17px; border: 2px solid var(--line);
}
.mini b { display: block; font-size: 14.5px; letter-spacing: -.02em; }
.mini span { font-size: 12.8px; color: var(--muted); }

.finder { padding: 26px; position: relative; }
.finder h3 { font-size: 21px; letter-spacing: -.03em; margin-bottom: 3px; }
.finder .sub { font-size: 13.5px; color: var(--muted); margin-bottom: 18px; }
.qgroup { margin-bottom: 16px; }
.qgroup .qlabel {
  font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: var(--muted); margin-bottom: 8px;
}
.opts { display: flex; flex-wrap: wrap; gap: 8px; }
.opt {
  padding: 9px 15px; border-radius: 999px; border: 2.5px solid var(--card-line); background: var(--white);
  font-size: 13px; font-weight: 600; cursor: pointer; color: var(--ink); transition: .18s;
}
.opt:hover { transform: translateY(-2px); }
.opt.on { background: var(--ink); color: var(--bg); }
.finder-out {
  border: 2.5px dashed var(--card-line); border-radius: 16px; padding: 15px; margin-top: 4px;
}
.finder-out .t { font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; font-weight: 700; color: var(--muted); margin-bottom: 9px; }
.rec { display: grid; gap: 8px; }
.rec-item {
  display: grid; grid-template-columns: 34px 1fr auto; gap: 11px; align-items: center;
  background: var(--soft); border-radius: 12px; padding: 10px 12px;
}
.rec-item .e {
  width: 34px; height: 34px; border-radius: 10px; background: var(--yellow); color: #121212;
  display: grid; place-items: center; font-size: 16px; border: 2px solid var(--line);
}
.rec-item b { font-size: 13.5px; letter-spacing: -.01em; display: block; }
.rec-item span { font-size: 11.5px; color: var(--muted); }
.float-shape { position: absolute; pointer-events: none; opacity: .9; }
.spin-slow { animation: rot 22s linear infinite; transform-origin: center; }
@keyframes rot { to { transform: rotate(360deg); } }
.drift { animation: drift 7s ease-in-out infinite; }
@keyframes drift { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-13px); } }

.ticker { overflow: hidden; border-block: 2.5px solid var(--line); margin: 36px 0 0; padding: 15px 0; background: var(--yellow); }
.ticker-track { display: flex; gap: 36px; width: max-content; animation: mv 32s linear infinite; }
.ticker-track span {
  font-size: 15px; font-weight: 700; letter-spacing: -.01em; color: #121212; white-space: nowrap;
  display: inline-flex; align-items: center; gap: 12px;
}
.ticker-track span::after { content: "◆"; font-size: 9px; opacity: .55; }
@keyframes mv { to { transform: translateX(-50%); } }

.about-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 34px; align-items: start; margin-top: 26px; }
.statement {
  border: 2.5px solid var(--card-line); border-radius: 24px; padding: 32px; background: var(--white);
  box-shadow: 9px 9px 0 var(--ink);
}
.statement .q { font-size: clamp(21px, 2.7vw, 29px); line-height: 1.35; letter-spacing: -.035em; font-weight: 600; }
.statement .q em { font-style: normal; background: var(--yellow); padding: 0 8px; border-radius: 8px; }
.statement .by { margin-top: 18px; display: flex; align-items: center; gap: 11px; }
.statement .by .av {
  width: 42px; height: 42px; border-radius: 13px; background: var(--ink); color: var(--bg);
  display: grid; place-items: center; font-weight: 700; font-size: 15px;
}
.statement .by small { display: block; color: var(--muted); font-size: 12px; }
.principles { display: grid; gap: 12px; }
.pr {
  border: 2.5px solid var(--card-line); border-radius: 18px; padding: 18px 20px;
  display: grid; grid-template-columns: 42px 1fr; gap: 13px; background: var(--white);
  transition: transform .22s ease, box-shadow .22s ease;
}
.pr:hover { transform: translate(-3px, -3px); box-shadow: 6px 6px 0 var(--ink); }
.pr .n {
  width: 42px; height: 42px; border-radius: 13px; border: 2.5px solid var(--line); background: var(--yellow);
  color: #121212; display: grid; place-items: center; font-weight: 700; font-size: 15px;
}
.pr h4 { font-size: 17px; margin-bottom: 3px; }
.pr p { font-size: 14px; color: var(--muted); line-height: 1.6; }

.svc-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 18px; margin-bottom: 22px; }
.cat-scroll { display: flex; flex-wrap: wrap; gap: 9px; margin-bottom: 20px; }
.cat-pill {
  padding: 10px 17px; border-radius: 999px; border: 2.5px solid var(--card-line); background: var(--white);
  font-size: 13.5px; font-weight: 600; cursor: pointer; transition: .18s; color: var(--ink);
}
.cat-pill:hover { transform: translateY(-2px); }
.cat-pill.on { background: var(--ink); color: var(--bg); }
.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.svc {
  border: 2.5px solid var(--card-line); border-radius: 20px; background: var(--white); overflow: hidden;
  transition: box-shadow .22s ease, transform .22s ease;
}
.svc:hover { transform: translate(-3px, -3px); box-shadow: 7px 7px 0 var(--ink); }
.svc-top {
  width: 100%; text-align: left; background: none; border: 0; cursor: pointer; padding: 19px 21px;
  display: grid; grid-template-columns: 46px 1fr 26px; gap: 13px; align-items: center; color: var(--ink);
}
.svc-top .ic {
  width: 46px; height: 46px; border-radius: 14px; border: 2.5px solid var(--line); background: var(--yellow);
  color: #121212; display: grid; place-items: center; font-size: 21px;
}
.svc-top h4 { font-size: 17px; letter-spacing: -.028em; }
.svc-top .cat { font-size: 11px; letter-spacing: .11em; text-transform: uppercase; font-weight: 700; color: var(--muted); }
.svc-top .chev { transition: transform .3s ease; font-size: 17px; }
.svc.open .chev { transform: rotate(180deg); }
.svc-body { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .35s ease; }
.svc.open .svc-body { grid-template-rows: 1fr; }
.svc-body > div { overflow: hidden; }
.svc-inner { padding: 0 21px 21px; }
.svc-inner p { font-size: 14.5px; color: var(--muted); line-height: 1.72; margin-bottom: 15px; }
.svc-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 15px; }
.svc-tags span {
  font-size: 11.5px; font-weight: 600; padding: 5px 11px; border-radius: 999px; background: var(--soft);
  border: 1.5px solid var(--card-line);
}
.empty { padding: 30px; text-align: center; color: var(--muted); border: 2.5px dashed var(--card-line); border-radius: 20px; }

.ben-wrap { display: grid; grid-template-columns: repeat(6, 1fr); gap: 15px; margin-top: 28px; }
.ben {
  grid-column: span 2; border: 2.5px solid var(--card-line); border-radius: 22px; padding: 26px;
  background: var(--white); transition: .22s ease;
}
.ben:nth-child(1) { grid-column: span 3; background: var(--yellow); color: #121212; }
.ben:nth-child(2) { grid-column: span 3; background: var(--ink); color: var(--bg); }
.ben:hover { transform: translateY(-5px); box-shadow: 8px 8px 0 var(--ink); }
.ben .ic {
  width: 52px; height: 52px; border-radius: 16px; border: 2.5px solid currentColor;
  display: grid; place-items: center; font-size: 23px; margin-bottom: 15px;
}
.ben h3 { font-size: 21px; margin-bottom: 8px; letter-spacing: -.03em; }
.ben p { font-size: 14.8px; line-height: 1.7; opacity: .92; }
.ben:nth-child(2) p { opacity: .78; }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 15px; margin-top: 30px; }
.step { border: 2.5px solid var(--card-line); border-radius: 22px; padding: 26px 22px; background: var(--white); position: relative; }
.step:nth-child(even) { transform: translateY(18px); }
.step .num {
  width: 52px; height: 52px; border-radius: 50%; background: var(--yellow); border: 2.5px solid var(--line);
  color: #121212; display: grid; place-items: center; font-size: 19px; font-weight: 700; margin-bottom: 17px;
}
.step h3 { font-size: 19px; margin-bottom: 7px; letter-spacing: -.028em; }
.step p { font-size: 14px; color: var(--muted); line-height: 1.68; }

.marquee { overflow: hidden; margin-top: 26px; padding: 8px 0; }
.m-track { display: flex; gap: 15px; width: max-content; }
.m-track.left { animation: mv 46s linear infinite; }
.m-track.right { animation: mvR 52s linear infinite; margin-top: 15px; }
@keyframes mvR { from { transform: translateX(-50%); } to { transform: translateX(0); } }
.marquee:hover .m-track { animation-play-state: paused; }
.t-card {
  width: 330px; border: 2.5px solid var(--card-line); border-radius: 20px; padding: 22px;
  background: var(--white);
}
.t-card .stars { color: var(--yellow-deep); letter-spacing: 2px; font-size: 13px; margin-bottom: 9px; }
.t-card p { font-size: 14.2px; line-height: 1.72; color: var(--muted); margin-bottom: 15px; }
.t-card .who { display: flex; align-items: center; gap: 11px; }
.t-card .av {
  width: 40px; height: 40px; border-radius: 13px; background: var(--yellow); color: #121212; border: 2.5px solid var(--line);
  display: grid; place-items: center; font-size: 13px; font-weight: 700;
}
.t-card .who b { font-size: 13.5px; letter-spacing: -.015em; display: block; }
.t-card .who small { font-size: 11.5px; color: var(--muted); }

.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; margin-top: 28px; }
.faq {
  border: 2.5px solid var(--card-line); border-radius: 18px; background: var(--white); overflow: hidden;
  transition: box-shadow .22s ease;
}
.faq:hover { box-shadow: 6px 6px 0 var(--ink); }
.faq .q {
  width: 100%; text-align: left; background: none; border: 0; padding: 19px 21px; cursor: pointer;
  color: var(--ink); font-size: 15.8px; font-weight: 600; letter-spacing: -.022em;
  display: grid; grid-template-columns: 28px 1fr 22px; gap: 12px; align-items: start;
}
.faq .q .idx {
  width: 28px; height: 28px; border-radius: 9px; background: var(--soft); border: 2px solid var(--card-line);
  display: grid; place-items: center; font-size: 11.5px; font-weight: 700;
}
.faq .q .pl { font-size: 19px; line-height: 1; transition: transform .3s ease; }
.faq.open .q .pl { transform: rotate(45deg); }
.faq .a { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .32s ease; }
.faq.open .a { grid-template-rows: 1fr; }
.faq .a > div { overflow: hidden; }
.faq .a p { padding: 0 21px 20px 61px; color: var(--muted); font-size: 14.3px; line-height: 1.72; }

.fg { margin-bottom: 13px; }
.fg label { display: block; font-size: 12.5px; letter-spacing: .05em; font-weight: 700; margin-bottom: 7px; color: var(--muted); text-transform: uppercase; }
.fg input, .fg select, .fg textarea {
  width: 100%; padding: 13px 15px; border-radius: 13px; border: 2.5px solid var(--card-line);
  background: var(--white); color: var(--ink); font-size: 15px; outline: none;
}
.fg input:focus, .fg select:focus, .fg textarea:focus { border-color: var(--ink); box-shadow: 4px 4px 0 var(--yellow); }
.fg textarea { min-height: 118px; resize: vertical; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.agree { display: flex; gap: 10px; align-items: flex-start; font-size: 13.5px; color: var(--muted); margin: 6px 0 15px; }
.agree input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--yellow-deep); }
.agree a { color: var(--ink); font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.linkish {
  background: none; border: 0; color: var(--muted); text-decoration: underline; text-underline-offset: 3px;
  cursor: pointer; font-size: 13px; margin-top: 12px;
}

.news {
  border: 2.5px solid var(--line); border-radius: 28px; padding: clamp(28px, 5vw, 52px);
  background: var(--yellow); color: #121212;
}
.news h2 { color: #121212; font-size: clamp(27px, 3.9vw, 41px); margin-bottom: 11px; letter-spacing: -.038em; }
.news p { color: rgba(18,18,18,.78); font-size: 16.5px; }
.news .fg label { color: rgba(18,18,18,.72); }
.news .fg input {
  background: #FFF9DE; border-color: #121212;
}
.news .agree { color: rgba(18,18,18,.78); }
.news .agree a { color: #121212; }
.news .linkish { color: rgba(18,18,18,.7); }
.news .btn.dark:hover { box-shadow: 5px 5px 0 rgba(18,18,18,.9); }

.contact-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 17px; margin-top: 28px; }
.info-card { padding: 26px; }
.irow { display: grid; grid-template-columns: 46px 1fr; gap: 13px; padding: 13px 0; border-bottom: 2px dashed var(--card-line); }
.irow:last-child { border-bottom: 0; }
.irow .ic {
  width: 46px; height: 46px; border-radius: 14px; border: 2.5px solid var(--line); background: var(--yellow);
  color: #121212; display: grid; place-items: center; font-size: 19px;
}
.irow small { display: block; font-size: 10.5px; letter-spacing: .13em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.irow b { font-weight: 600; font-size: 15px; letter-spacing: -.018em; }

.cta-final {
  border: 2.5px solid var(--line); border-radius: 30px; padding: clamp(36px, 6vw, 70px) 26px;
  background: var(--ink); color: var(--bg); text-align: center;
}
.cta-final h2 { font-size: clamp(29px, 4.5vw, 50px); letter-spacing: -.042em; margin-bottom: 12px; }
.cta-final h2 span { background: var(--yellow); color: #121212; padding: 0 12px; border-radius: 12px; }
.cta-final p { opacity: .82; max-width: 500px; margin: 0 auto 24px; font-size: 17px; }

footer { padding: 60px 0 26px; border-top: 2.5px solid var(--line); }
.fgrid { display: grid; grid-template-columns: 1.55fr 1fr 1fr 1.15fr; gap: 26px; margin-bottom: 30px; }
.fgrid p { color: var(--muted); font-size: 14.5px; margin-top: 13px; max-width: 290px; }
.social { display: flex; gap: 9px; margin-top: 16px; }
.social a {
  width: 40px; height: 40px; border-radius: 12px; border: 2.5px solid var(--card-line); display: grid; place-items: center;
  color: var(--muted); transition: .2s;
}
.social a:hover { background: var(--yellow); color: #121212; border-color: var(--line); transform: translate(-2px, -2px); box-shadow: 4px 4px 0 var(--ink); }
.fcol h5 { font-size: 11px; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin-bottom: 13px; font-weight: 700; }
.fcol ul { list-style: none; }
.fcol li { margin-bottom: 9px; }
.fcol a { font-size: 14.3px; color: var(--muted); font-weight: 500; }
.fcol a:hover { color: var(--ink); }
.fbot {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 11px;
  padding-top: 19px; border-top: 2.5px solid var(--line); font-size: 13px; color: var(--muted);
}
.fbot button {
  background: none; border: 0; color: var(--muted); text-decoration: underline; text-underline-offset: 3px; cursor: pointer;
  font-size: 13px;
}

.veil {
  position: fixed; inset: 0; background: rgba(18,18,18,.6); display: grid; place-items: center;
  padding: 20px; z-index: 200; opacity: 0; visibility: hidden; transition: .28s ease;
}
.veil.open { opacity: 1; visibility: visible; }
.modal {
  width: min(550px, 100%); max-height: 82vh; overflow: auto; background: var(--white);
  border: 2.5px solid var(--line); border-radius: 22px; box-shadow: 10px 10px 0 var(--ink);
}
.mh {
  display: flex; justify-content: space-between; align-items: center; padding: 18px 22px;
  border-bottom: 2.5px solid var(--line); position: sticky; top: 0; background: var(--white);
}
.mh h3 { font-size: 20px; letter-spacing: -.032em; }
.mh button {
  width: 37px; height: 37px; border-radius: 11px; border: 2.5px solid var(--line); background: var(--yellow);
  color: #121212; cursor: pointer; font-size: 19px; line-height: 1;
}
.mb { padding: 21px; color: var(--muted); font-size: 14.7px; }
.mb h4 { color: var(--ink); margin: 15px 0 5px; font-size: 15.5px; }
.mb p { margin-bottom: 10px; line-height: 1.7; }

#toasts { position: fixed; bottom: 22px; left: 50%; transform: translateX(-50%); z-index: 300; display: grid; gap: 10px; }
.toast {
  background: var(--ink); color: var(--bg); padding: 13px 21px; border-radius: 999px;
  font-size: 14px; font-weight: 600; display: flex; gap: 9px; align-items: center;
  box-shadow: 6px 6px 0 var(--yellow); animation: rise .34s cubic-bezier(.2,.9,.3,1.25); white-space: nowrap;
}
.toast.out { animation: sink .26s forwards; }
@keyframes rise { from { opacity: 0; transform: translateY(18px) scale(.94); } }
@keyframes sink { to { opacity: 0; transform: translateY(18px); } }

.policy-hero { padding: 60px 0 30px; }
.policy-hero h1 { font-size: clamp(34px, 5vw, 48px); letter-spacing: -.035em; }
.policy-content {
  border: 2.5px solid var(--card-line); border-radius: 22px; padding: 40px; background: var(--white);
  box-shadow: 8px 8px 0 var(--ink); margin-top: 30px;
}
.policy-content h4 { margin: 24px 0 10px; font-size: 18px; }
.policy-content p { color: var(--muted); margin-bottom: 14px; line-height: 1.75; }
.policy-content h4:first-child { margin-top: 0; }

@media (max-width: 1020px) {
  .hero-grid, .about-grid, .contact-grid { grid-template-columns: 1fr; }
  .ben-wrap { grid-template-columns: 1fr 1fr; }
  .ben, .ben:nth-child(1), .ben:nth-child(2) { grid-column: span 1; }
  .steps { grid-template-columns: 1fr 1fr; }
  .step:nth-child(even) { transform: none; }
  .faq-grid { grid-template-columns: 1fr; }
  .fgrid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .menu, .desk-only { display: none; }
  .burger { display: grid; place-items: center; }
  .block { padding: 68px 0; }
  .mini-cards, .svc-grid, .two, .steps, .fgrid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr !important; }
  .finder, .statement, .info-card, .news, .policy-content { padding: 21px; }
  .faq .a p { padding-left: 21px; }
  .hero h1 { font-size: 34px; }
  .ticker-track span { font-size: 13px; }
}