:root{--ink:#0E1B33;--ink-2:#2A3A5C;--mute:#5F6B84;--line:#D9DEE8;--paper:#F6F7FA;--white:#FFFFFF;--cobalt:#1E4ED8;--cobalt-2:#153A9E;--win:#0E7A66;--win-bg:#E4F3EF;--amber:#B87A12;--amber-bg:#FBF1DE;--radius:6px;--max:1120px;--font-d:"Bricolage Grotesque",system-ui,sans-serif;--font-b:"IBM Plex Sans",system-ui,sans-serif;--font-m:"IBM Plex Mono",ui-monospace,monospace}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-b);color:var(--ink);background:var(--white);line-height:1.55;font-size:17px;-webkit-font-smoothing:antialiased}
a{color:var(--cobalt)}a:focus-visible,button:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--font-d);letter-spacing:-.02em;line-height:1.08;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem)}h2{font-size:clamp(1.6rem,3.2vw,2.4rem)}h3{font-size:1.25rem;font-weight:600}
p{margin:0 0 1em}.lede{font-size:1.2rem;color:var(--ink-2);max-width:60ch}
.eyebrow{font-family:var(--font-m);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--cobalt);margin-bottom:.9rem;display:block}
.mono{font-family:var(--font-m)}
/* header */
.hdr{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--font-d);font-weight:700;font-size:1.15rem;letter-spacing:-.01em}
.logo .mark{width:30px;height:30px;background:var(--ink);border-radius:5px;display:grid;place-items:center;color:#fff;font-family:var(--font-m);font-size:.7rem;font-weight:600}
nav.main{display:flex;gap:26px;align-items:center}nav.main a{color:var(--ink-2);text-decoration:none;font-size:.95rem;white-space:nowrap}nav.main .btn{display:none}nav.main a:hover{color:var(--ink)}
.btn{display:inline-block;background:var(--cobalt);color:#fff;text-decoration:none;padding:12px 20px;border-radius:var(--radius);font-weight:600;font-size:.95rem;border:0;cursor:pointer;font-family:var(--font-b)}
.btn:hover{background:var(--cobalt-2)}.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}.btn.ghost:hover{background:var(--paper)}
.menu-btn{display:none;background:none;border:1.5px solid var(--line);border-radius:6px;padding:8px 10px;font:inherit;color:var(--ink)}
@media(max-width:860px){nav.main{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:16px 24px;gap:14px}nav.main.open{display:flex}.menu-btn{display:block}.hdr>.wrap>.btn{display:none}nav.main .btn{display:inline-block}}
/* hero */
.hero{padding:76px 0 56px;background:linear-gradient(180deg,var(--paper),#fff)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:36px}.hero{padding:48px 0 40px}}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.trust{margin-top:26px;font-size:.88rem;color:var(--mute)}.trust b{color:var(--ink);font-family:var(--font-m);font-weight:600}
/* dispute ticket signature */
.ticket{background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 20px 50px -30px rgba(14,27,51,.35);overflow:hidden;font-size:.9rem}
.ticket-h{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;background:var(--ink);color:#fff;font-family:var(--font-m);font-size:.75rem;letter-spacing:.06em;text-transform:uppercase}
.ticket-h span:last-child{color:#9FB6EA}
.trow{display:grid;grid-template-columns:96px 1fr;gap:14px;padding:13px 18px;border-top:1px solid var(--line);align-items:baseline}
.trow .day{font-family:var(--font-m);font-size:.74rem;color:var(--mute);letter-spacing:.04em}
.trow .lab{font-weight:600;color:var(--ink)}.trow .sub{color:var(--mute);font-size:.84rem;display:block}
.trow.dead .day{color:var(--amber)}
.tres{padding:18px;background:var(--win-bg);border-top:1px solid #BFE1D8;display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center}
.tres .k{font-family:var(--font-m);font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;color:var(--win)}
.tres .v{font-family:var(--font-d);font-size:1.9rem;font-weight:700;color:var(--win);letter-spacing:-.02em;line-height:1}
.stamp{border:2px solid var(--win);color:var(--win);border-radius:4px;padding:6px 10px;font-family:var(--font-m);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;transform:rotate(-4deg);font-weight:600}
/* sections */
.sec{padding:72px 0}.sec.alt{background:var(--paper)}.sec.dark{background:var(--ink);color:#fff}.sec.dark h2,.sec.dark h3{color:#fff}.sec.dark .lede,.sec.dark p{color:#C9D3E8}.sec.dark .eyebrow{color:#9FB6EA}
.sec-h{max-width:68ch;margin-bottom:38px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media(max-width:860px){.grid3,.grid2{grid-template-columns:1fr}.sec{padding:52px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:26px}
.sec.alt .card{background:#fff}.sec.dark .card{background:#15254A;border-color:#26375F}
.card h3{margin-top:0}.card p{color:var(--ink-2);margin:0;font-size:.98rem}.sec.dark .card p{color:#C9D3E8}
.stat{border-left:3px solid var(--cobalt);padding-left:16px}.stat .n{font-family:var(--font-d);font-size:2.4rem;font-weight:700;letter-spacing:-.03em;line-height:1;margin-bottom:6px}.stat .l{color:var(--mute);font-size:.92rem}.sec.dark .stat{border-color:#9FB6EA}.sec.dark .stat .l{color:#C9D3E8}
/* process list */
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:0}
.steps li{display:grid;grid-template-columns:70px 1fr;gap:18px;padding:22px 0;border-top:1px solid var(--line)}
.steps li:last-child{border-bottom:1px solid var(--line)}
.steps .d{font-family:var(--font-m);font-size:.8rem;color:var(--cobalt);letter-spacing:.05em;padding-top:4px}
.steps h3{margin:0 0 6px}.steps p{margin:0;color:var(--ink-2)}
/* bars */
.bars{display:grid;gap:14px;margin-top:8px}
.bar{display:grid;grid-template-columns:150px 1fr 90px;gap:14px;align-items:center;font-size:.92rem}
.bar .track{height:14px;background:#E6EAF2;border-radius:99px;overflow:hidden}
.bar .fill{height:100%;background:var(--cobalt);border-radius:99px}
.bar .val{font-family:var(--font-m);text-align:right;font-weight:600}
.bar.qpa .fill{background:#9AA6BF}
@media(max-width:600px){.bar{grid-template-columns:110px 1fr 70px;font-size:.85rem}}
.note{font-size:.84rem;color:var(--mute);margin-top:16px}
/* faq */
details{border-top:1px solid var(--line);padding:16px 0}details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600;font-family:var(--font-d);font-size:1.08rem;list-style:none;display:flex;justify-content:space-between;align-items:center}
summary::after{content:"+";font-family:var(--font-m);color:var(--cobalt);font-size:1.3rem}details[open] summary::after{content:"–"}
details p{margin:12px 0 0;color:var(--ink-2)}
/* prose */
.prose{max-width:72ch}.prose h2{margin-top:2.2em}.prose h3{margin-top:1.6em}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.callout{border-left:3px solid var(--amber);background:var(--amber-bg);padding:16px 20px;border-radius:0 8px 8px 0;margin:1.4em 0}
.callout.win{border-color:var(--win);background:var(--win-bg)}
table{width:100%;border-collapse:collapse;font-size:.94rem;margin:1em 0}th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}th{font-family:var(--font-m);font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;color:var(--mute)}td.num{font-family:var(--font-m);text-align:right}th.num{text-align:right}
/* cta */
.cta-band{background:var(--cobalt);color:#fff;padding:60px 0}.cta-band h2{color:#fff}.cta-band p{color:#DCE5FB;max-width:56ch}.cta-band .btn{background:#fff;color:var(--cobalt)}.cta-band .btn:hover{background:#EEF2FF}
/* form */
form.lead{display:grid;gap:14px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:26px}
form.lead label{font-size:.85rem;font-weight:600;color:var(--ink-2)}form.lead input,form.lead select,form.lead textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #C6CDDA;border-radius:6px;background:#fff}
form.lead .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:600px){form.lead .two{grid-template-columns:1fr}}
/* footer */
footer{background:var(--paper);border-top:1px solid var(--line);padding:48px 0 32px;font-size:.9rem;color:var(--mute)}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fgrid{grid-template-columns:1fr}}
footer h4{font-family:var(--font-m);font-size:.74rem;letter-spacing:.08em;text-transform:uppercase;color:var(--ink);margin:0 0 12px}
footer ul{list-style:none;padding:0;margin:0}footer li{margin-bottom:8px}footer a{color:var(--ink-2);text-decoration:none}footer a:hover{text-decoration:underline}
.fine{margin-top:36px;padding-top:20px;border-top:1px solid var(--line);font-size:.8rem}
.crumbs{font-size:.84rem;color:var(--mute);margin-bottom:18px}.crumbs a{color:var(--mute)}
.page-hero{padding:56px 0 36px;background:var(--paper);border-bottom:1px solid var(--line)}
@media(prefers-reduced-motion:no-preference){.reveal{opacity:0;transform:translateY(10px);animation:up .6s ease forwards}.reveal:nth-child(2){animation-delay:.08s}.reveal:nth-child(3){animation-delay:.16s}@keyframes up{to{opacity:1;transform:none}}}