:root{
  --ink:#12283F; --ink-2:#33475C; --paper:#FFFFFF; --mist:#F2F6F3;
  --navy:#12283F; --navy-2:#0C1D30; --gold:#F0B429; --green:#0C7C4E;
  --line:#DCE4DE; --radius:14px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);
  background:var(--paper);line-height:1.65;font-size:17px}
h1,h2,h3,.display{font-family:'Archivo',sans-serif;line-height:1.15;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3.1rem);font-weight:800}
h2{font-size:clamp(1.5rem,3.4vw,2.1rem);font-weight:800;margin-bottom:.9rem}
h3{font-size:1.15rem;font-weight:700;margin-bottom:.4rem}
p{margin-bottom:1rem}
a{color:var(--green);text-decoration:underline;text-underline-offset:3px}
img{max-width:100%;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
.sec{padding:64px 0}
.sec-dark{background:var(--navy);color:#FFFFFF}
.sec-dark h2,.sec-dark h3,.sec-dark p,.sec-dark li{color:#FFFFFF}
.sec-dark strong{color:var(--gold)}
.sec-dark a{color:var(--gold)}
.sec-mist{background:var(--mist)}
.eyebrow{font-family:'Archivo',sans-serif;font-weight:700;font-size:.78rem;
  letter-spacing:.14em;text-transform:uppercase;color:var(--green);margin-bottom:.6rem}
.sec-dark .eyebrow{color:var(--gold)}
.lead{font-size:1.15rem;color:var(--ink-2);max-width:46em}
.sec-dark .lead{color:#E7EDF4}
.btn{display:inline-block;background:var(--gold);color:var(--navy-2);font-family:'Archivo',sans-serif;
  font-weight:800;padding:14px 26px;border-radius:999px;text-decoration:none;border:0;
  font-size:1rem;cursor:pointer}
.btn:hover{filter:brightness(1.06)}
.btn-ghost{background:transparent;color:inherit;border:2px solid currentColor}
.btn-green{background:var(--green);color:#FFFFFF}
/* language / covenant strip */
.langbar{background:var(--navy-2);color:#FFFFFF;font-size:.85rem;padding:8px 0}
.langbar .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.langbar a{color:var(--gold);text-decoration:none;font-weight:600}
/* header */
header.site{background:var(--paper);border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;
  padding-top:14px;padding-bottom:14px;gap:14px;flex-wrap:wrap}
.logo{font-family:'Archivo',sans-serif;font-weight:900;font-size:1.25rem;color:var(--navy);
  text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--green)}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.92rem;margin-left:18px}
nav.main a:hover{color:var(--green)}
/* anchor nav */
.anchornav{position:sticky;top:0;z-index:40;background:var(--mist);
  border-bottom:1px solid var(--line);overflow-x:auto;white-space:nowrap}
.anchornav .wrap{padding-top:10px;padding-bottom:10px}
.anchornav a{font-size:.85rem;font-weight:600;color:var(--ink-2);text-decoration:none;
  margin-right:20px}
.anchornav a:hover{color:var(--green)}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%);color:#FFFFFF;
  padding:74px 0 66px}
.hero h1{color:#FFFFFF;max-width:16em}
.hero .lead{color:#DCE6F0;margin-top:1rem}
.hero .gold{color:var(--gold)}
/* the signature element: waiver fee-schedule strip */
.feestrip{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:2rem;
  border:2px solid var(--gold);border-radius:var(--radius);overflow:hidden;max-width:640px}
.feestrip .cell{padding:20px 22px}
.feestrip .cell.a{background:rgba(255,255,255,.06)}
.feestrip .cell.b{background:var(--gold);color:var(--navy-2)}
.feestrip .lbl{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  opacity:.85}
.feestrip .val{font-family:'Archivo',sans-serif;font-weight:900;font-size:1.7rem;margin-top:4px}
.feestrip .sub{font-size:.82rem;opacity:.85;margin-top:2px}
/* cards / directory */
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px;display:flex;flex-direction:column;gap:8px}
.card h3{margin:0}
.badge{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.06em;
  text-transform:uppercase;border-radius:999px;padding:3px 10px;background:var(--mist);
  color:var(--ink-2);margin-right:6px}
.badge-fbli{background:#E4F3EB;color:var(--green)}
.badge-partner{background:#FBF0D3;color:#8A6510}
.card .meta{font-size:.86rem;color:var(--ink-2)}
.card .cta{margin-top:auto;padding-top:10px}
.card .cta a{font-weight:700}
/* filters */
.filters{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0 26px;align-items:center}
.filters select,.filters label{font-size:.9rem}
.filters select{padding:9px 12px;border:1px solid var(--line);border-radius:8px;
  background:var(--paper);font-family:inherit}
.filters label.chk{display:flex;align-items:center;gap:7px;font-weight:600;cursor:pointer}
/* calculator */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;max-width:720px}
.calc select{width:100%;padding:12px;border:1px solid var(--line);border-radius:8px;
  font-size:1rem;font-family:inherit;margin-bottom:18px}
.calc-out{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-box{border:1px solid var(--line);border-radius:10px;padding:16px}
.calc-box.w{border:2px solid var(--green);background:#F2FAF5}
.calc-box .lbl{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:var(--ink-2)}
.calc-box .usd{font-family:'Archivo',sans-serif;font-weight:900;font-size:1.5rem;margin-top:4px}
.calc-box .brlv{font-size:.95rem;color:var(--ink-2)}
.calc-note{font-size:.8rem;color:var(--ink-2);margin-top:14px}
/* tables */
table.data{width:100%;border-collapse:collapse;font-size:.93rem;margin:1rem 0}
table.data th,table.data td{border:1px solid var(--line);padding:10px 12px;text-align:left;
  vertical-align:top}
table.data th{background:var(--mist);font-family:'Archivo',sans-serif;font-size:.8rem;
  letter-spacing:.05em;text-transform:uppercase}
.sec-dark table.data th{background:rgba(255,255,255,.08)}
.sec-dark table.data th,.sec-dark table.data td{border-color:rgba(255,255,255,.2);color:#FFFFFF}
/* FAQ */
details.faq{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;
  background:var(--paper)}
details.faq summary{cursor:pointer;font-weight:700;padding:16px 18px;list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";float:right;font-weight:800;color:var(--green)}
details.faq[open] summary::after{content:"–"}
details.faq .body{padding:0 18px 16px}
/* quiz */
.quiz{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;max-width:720px}
.quiz fieldset{border:0;margin-bottom:18px}
.quiz legend{font-weight:700;margin-bottom:8px}
.quiz label{display:block;padding:6px 0;cursor:pointer;font-size:.95rem}
.quiz input{margin-right:8px}
/* form */
.leadform{background:var(--paper);border:2px solid var(--gold);border-radius:var(--radius);
  padding:28px;max-width:640px}
.leadform label{display:block;font-weight:600;font-size:.9rem;margin:14px 0 5px}
.leadform input[type=text],.leadform input[type=email],.leadform input[type=tel],
.leadform select,.leadform textarea{width:100%;padding:12px;border:1px solid var(--line);
  border-radius:8px;font-size:1rem;font-family:inherit;background:#FFFFFF;color:var(--ink)}
.leadform button{margin-top:20px}
/* disclaimer */
.disclaimer{font-size:.85rem;background:var(--mist);border-left:4px solid var(--gold);
  padding:14px 18px;border-radius:0 10px 10px 0;color:var(--ink-2);margin:1.4rem 0}
.sec-dark .disclaimer{background:rgba(255,255,255,.07);color:#E7EDF4}
/* footer */
footer.site{background:var(--navy-2);color:#B9C6D4;padding:54px 0 34px;font-size:.9rem}
footer.site h3{color:#FFFFFF;font-size:.95rem}
footer.site a{color:#E4ECF4;text-decoration:none}
footer.site a:hover{color:var(--gold)}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:28px}
footer.site .fine{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;
  font-size:.8rem;color:#8DA0B3}
/* WhatsApp floater */
.wa-float{position:fixed;right:20px;bottom:20px;z-index:60;background:#25D366;color:#FFFFFF;
  width:58px;height:58px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-size:1.6rem;text-decoration:none;box-shadow:0 6px 18px rgba(0,0,0,.25)}
/* pillar quick facts */
.qf{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:14px;margin:1.4rem 0}
.qf .box{background:var(--mist);border-radius:10px;padding:14px 16px}
.qf .k{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:var(--ink-2)}
.qf .v{font-family:'Archivo',sans-serif;font-weight:800;font-size:1.2rem}
.byline{font-size:.86rem;color:var(--ink-2);margin-bottom:1.4rem}
.updated{display:inline-block;background:var(--mist);border-radius:999px;padding:3px 12px;
  font-size:.78rem;font-weight:600;color:var(--ink-2)}
@media (max-width:640px){
  .feestrip{grid-template-columns:1fr}
  .calc-out{grid-template-columns:1fr}
  nav.main{display:none}
}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}