/* ══ TAX2U DESIGN TOKENS ══ */
:root{
  --navy:#0D2240; --navy-2:#1a3a6e; --blue:#1B75BC; --cyan:#00AEEF; --cyan-h:#00c8f0;
  --white:#FFFFFF; --light:#F2F9FF; --border:#D9E8F5; --text:#1E293B; --muted:#64748B;
  --green:#16A34A; --green-bg:#ECFDF3; --amber:#D97706; --amber-bg:#FFF7E6; --red:#DC2626; --tp:#00b67a;
  --radius:12px; --shadow:0 20px 60px rgba(13,34,64,.25);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:'Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;color:var(--text);background:#fff;font-size:14px;line-height:1.55}
img{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3,h4,h5{margin:0;line-height:1.2;color:var(--navy);text-wrap:balance}
p{margin:0}
.container{width:100%;max-width:1180px;margin:0 auto;padding-left:20px;padding-right:20px}
.ico{width:1em;height:1em;display:inline-block;vertical-align:-.15em;flex-shrink:0}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ══ TOPBAR + NAV ══ */
.topbar{background:#081833;color:rgba(255,255,255,.75);font-size:12px}
.topbar .container{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:rgba(255,255,255,.85);text-decoration:none}
.topbar span{display:inline-flex;align-items:center;gap:6px}
.site-nav{background:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid rgba(255,255,255,.06)}
.site-nav .container{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.logo{display:flex;align-items:center;text-decoration:none}
.logo img{height:38px;width:auto}
.logo-text{display:none;font-weight:800;font-size:22px;color:#fff;letter-spacing:-.02em}
.logo-text b{color:var(--cyan)}
.logo.noimg img{display:none}.logo.noimg .logo-text{display:block}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links a{color:rgba(255,255,255,.85);text-decoration:none;font-size:13px;font-weight:600;padding:8px 12px;border-radius:6px}
.nav-links a:hover,.nav-links a.active{color:var(--cyan)}
.nav-links .nav-cta{background:var(--cyan);color:var(--navy);font-weight:800;margin-left:8px}
.nav-links .nav-cta:hover{background:var(--cyan-h);color:var(--navy)}
.nav-toggle{display:none;background:none;border:1px solid rgba(255,255,255,.3);border-radius:8px;color:#fff;width:42px;height:38px;font-size:20px;cursor:pointer}
@media(max-width:900px){
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center}
  .nav-links{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;align-items:stretch;padding:8px 20px 16px;border-top:1px solid rgba(255,255,255,.08)}
  .nav-links.open{display:flex}
  .nav-links .nav-cta{margin:8px 0 0;text-align:center}
}

/* ══ BUTTONS ══ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:inherit;font-weight:800;font-size:15px;border-radius:10px;border:none;padding:14px 22px;cursor:pointer;text-decoration:none;transition:background .2s,transform .1s,box-shadow .2s}
.btn-primary{background:var(--cyan);color:var(--navy)}
.btn-primary:hover{background:var(--cyan-h);transform:translateY(-1px)}
.btn-primary:disabled{opacity:.55;cursor:not-allowed;transform:none}
.btn-ghost{background:transparent;color:var(--muted);border:1px solid var(--border);font-weight:700}
.btn-ghost:hover{color:var(--navy);border-color:var(--navy)}
.btn-block{width:100%}

/* ══ FORM ELEMENTS ══ */
.field{display:flex;flex-direction:column;gap:5px;min-width:0}
.field > label:not(.choice):not(.check),.field .label{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.field .opt{font-weight:500;text-transform:none;letter-spacing:0;color:#94a3b8}
.input,select.input,textarea.input{width:100%;border:1px solid var(--border);border-radius:8px;font-size:14px;padding:11px 14px;font-family:inherit;color:var(--text);background:#fff;transition:border-color .15s,box-shadow .15s}
textarea.input{resize:vertical;min-height:84px}
.input:focus{border-color:var(--cyan);box-shadow:0 0 0 3px rgba(0,174,239,.15);outline:none}
.input.invalid{border-color:var(--red);box-shadow:0 0 0 3px rgba(220,38,38,.1)}
.hint{font-size:11.5px;color:var(--muted)}
.err{font-size:11.5px;color:var(--red);font-weight:600;display:none}
.field.has-err .err{display:block}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.stack{display:flex;flex-direction:column;gap:14px}
@media(max-width:560px){.grid-2,.grid-3{grid-template-columns:1fr}}
.check{display:flex;gap:10px;align-items:flex-start;font-size:12px;color:var(--muted);line-height:1.5;cursor:pointer}
.check input{margin-top:2px;width:16px;height:16px;accent-color:var(--blue);flex-shrink:0}

/* choice cards (radio) */
.choices{display:grid;gap:10px}
.choices.cols-2{grid-template-columns:1fr 1fr}
.choices.cols-3{grid-template-columns:repeat(3,1fr)}
@media(max-width:480px){.choices.cols-2{grid-template-columns:1fr}}
.choice{position:relative;display:flex;gap:12px;align-items:flex-start;border:1.5px solid var(--border);border-radius:10px;padding:13px 14px;cursor:pointer;background:#fff;transition:border-color .15s,background .15s,box-shadow .15s}
.choice:hover{border-color:#9cc9ec}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice .dot{width:18px;height:18px;border-radius:50%;border:2px solid #b8cde0;flex-shrink:0;margin-top:1px;transition:all .15s}
.choice .c-ico{width:38px;height:38px;border-radius:10px;background:var(--light);color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.choice .c-title{font-size:13.5px;font-weight:700;color:var(--navy);display:block}
.choice .c-sub{font-size:11.5px;color:var(--muted);display:block;margin-top:2px}
.choice:has(input:checked){border-color:var(--cyan);background:#f3fbff;box-shadow:0 0 0 3px rgba(0,174,239,.12)}
.choice:has(input:checked) .dot{border-color:var(--cyan);background:var(--cyan);box-shadow:inset 0 0 0 3px #fff}
.choice:has(input:checked) .c-ico{background:var(--cyan);color:var(--navy)}
.choice:has(input:focus-visible){outline:2px solid var(--blue);outline-offset:2px}
.choices.has-err .choice{border-color:#f3b4b4}

/* info / alert boxes */
.note{display:flex;gap:10px;border-radius:10px;padding:12px 14px;font-size:12.5px;line-height:1.55;background:var(--light);border:1px solid var(--border);color:var(--text)}
.note .ico{font-size:16px;margin-top:1px;color:var(--blue)}
.note.ok{background:var(--green-bg);border-color:#bbe5cb}.note.ok .ico{color:var(--green)}
.note.warn{background:var(--amber-bg);border-color:#f6d9a8}.note.warn .ico{color:var(--amber)}
.note strong{color:var(--navy)}

/* ══ TRUSTPILOT ══ */
.tp-stars{display:inline-flex;gap:2px}
.tp-stars i{width:18px;height:18px;background:var(--tp);display:inline-flex;align-items:center;justify-content:center;color:#fff;font-style:normal;font-size:12px;line-height:1}
.tp-stars.sm i{width:15px;height:15px;font-size:10px}
.tp-word{font-weight:800;display:inline-flex;align-items:center;gap:4px}
.tp-word .star{color:var(--tp)}

/* ══ FOOTER ══ */
.site-footer{background:var(--navy);color:rgba(255,255,255,.65);padding:44px 0 22px;font-size:12px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:28px}
.site-footer h6{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:#fff;margin:0 0 14px}
.site-footer a{color:rgba(255,255,255,.6);text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:var(--cyan)}
.site-footer .logo img{filter:brightness(0) invert(1);opacity:.9;height:34px;margin-bottom:12px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:11px}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.foot-grid{grid-template-columns:1fr}}
.mini-footer{background:var(--navy);color:rgba(255,255,255,.6);font-size:11.5px;padding:18px 0}
.mini-footer .container{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.mini-footer a{color:rgba(255,255,255,.75);text-decoration:none;margin-left:14px}
.mini-footer a:first-child{margin-left:0}

/* ══ APPLICATION (STEP) PAGES ══ */
.app-head{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:30px 0 92px}
.app-head .crumb{font-size:12px;color:rgba(255,255,255,.65);margin-bottom:10px;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.app-head .crumb b{color:var(--cyan);font-weight:700}
.app-head h1{color:#fff;font-size:1.75rem;font-weight:800;margin-bottom:6px}
.app-head h1 span{color:var(--cyan)}
.app-head .sub{color:rgba(255,255,255,.8);font-size:14px;max-width:640px}

.stepper{display:flex;list-style:none;padding:0;margin:22px 0 0;gap:0;counter-reset:s}
.stepper li{flex:1;position:relative;display:flex;flex-direction:column;align-items:flex-start;gap:6px;min-width:0}
.stepper li::before{content:'';position:absolute;top:13px;left:28px;right:0;height:2px;background:rgba(255,255,255,.15)}
.stepper li:last-child::before{display:none}
.stepper .n{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;background:rgba(255,255,255,.1);color:rgba(255,255,255,.6);border:2px solid rgba(255,255,255,.2);position:relative;z-index:1}
.stepper .t{font-size:11.5px;font-weight:600;color:rgba(255,255,255,.55);padding-right:8px}
.stepper li.done::before{background:var(--cyan)}
.stepper li.done .n{background:var(--cyan);border-color:var(--cyan);color:var(--navy)}
.stepper li.done .t{color:rgba(255,255,255,.85)}
.stepper li.current .n{background:#fff;border-color:var(--cyan);color:var(--navy);box-shadow:0 0 0 4px rgba(0,174,239,.3)}
.stepper li.current .t{color:#fff;font-weight:700}
@media(max-width:640px){.stepper .t{display:none}.stepper li.current .t{display:block;position:absolute;top:34px;left:0;white-space:nowrap}.stepper{margin-bottom:14px}}

.app-body{background:var(--light);padding-bottom:56px}
.app-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:24px;margin-top:-64px;align-items:start}
@media(max-width:960px){.app-grid{grid-template-columns:1fr}}
.card{background:#fff;border-radius:16px;box-shadow:0 10px 40px rgba(13,34,64,.12);border:1px solid rgba(217,232,245,.6)}
.form-panel{padding:30px 30px 26px}
@media(max-width:560px){.form-panel{padding:22px 18px}}
.fp-head{display:flex;gap:14px;align-items:flex-start;padding-bottom:18px;margin-bottom:22px;border-bottom:1px solid var(--border)}
.fp-head .fp-ico{width:44px;height:44px;border-radius:12px;background:var(--navy);color:var(--cyan);display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0}
.fp-head h2{font-size:1.15rem;font-weight:800;margin-bottom:3px}
.fp-head p{font-size:12.5px;color:var(--muted)}
.fs{border:none;margin:0 0 22px;padding:0}
.fs-title{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin:0 0 12px;display:flex;align-items:center;gap:8px}
.fs-title::after{content:'';flex:1;height:1px;background:var(--border)}
.form-actions{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:20px;margin-top:6px;border-top:1px solid var(--border)}
.form-actions .btn-primary{min-width:220px}
@media(max-width:480px){.form-actions{flex-direction:column-reverse;align-items:stretch}.form-actions .btn{width:100%}}
.secure-line{font-size:11px;color:var(--muted);display:flex;align-items:center;gap:6px;justify-content:center;margin-top:12px}
.secure-line .ico{color:var(--green)}
[data-show-if]:not(.shown){display:none!important}

/* sidebar */
.side{display:flex;flex-direction:column;gap:16px}
.side-card{padding:20px}
.side-card h3{font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.side-card h3 .ico{color:var(--cyan)}
.sum-list{list-style:none;margin:0;padding:0;font-size:12.5px}
.sum-list li{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px dashed var(--border)}
.sum-list li:last-child{border-bottom:none}
.sum-list .k{color:var(--muted)}
.sum-list .v{color:var(--navy);font-weight:700;text-align:right;overflow-wrap:anywhere}
.sum-empty{font-size:12px;color:var(--muted)}
.side-tp{display:flex;flex-direction:column;gap:8px;font-size:12px;color:var(--muted)}
.side-tp .score{font-size:13px;color:var(--navy);font-weight:700;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.side-help{background:var(--navy);color:#fff;border:none}
.side-help h3{color:#fff}
.side-help p{font-size:12.5px;color:rgba(255,255,255,.75);margin-bottom:10px}
.side-help a.ph{color:var(--cyan);font-weight:800;font-size:16px;text-decoration:none;display:inline-flex;gap:8px;align-items:center}
.side-help .hrs{font-size:11px;color:rgba(255,255,255,.55);margin-top:4px}
.side-why{list-style:none;margin:0;padding:0;font-size:12.5px;display:flex;flex-direction:column;gap:9px}
.side-why li{display:flex;gap:8px;align-items:flex-start}
.side-why .ico{color:var(--green);margin-top:2px}


/* ══ HERO ══ */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:52px 0 56px;position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;right:-180px;top:-160px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(0,174,239,.18),transparent 65%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:48px;align-items:center;position:relative;z-index:1}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:32px}}
.agent-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(0,174,239,.15);border:1px solid var(--cyan);color:var(--cyan);font-size:11px;font-weight:700;padding:5px 12px;border-radius:20px;letter-spacing:.08em;margin-bottom:18px}
.hero h1{color:#fff;font-size:2.6rem;font-weight:800;line-height:1.12;margin-bottom:14px}
.hero h1 span{color:var(--cyan)}
.hero-sub{font-size:15.5px;color:rgba(255,255,255,.88);line-height:1.65;margin-bottom:22px;max-width:560px}
.hero-sub strong{color:#fff}
.tp-bar{display:flex;align-items:center;gap:10px;flex-wrap:wrap;font-size:13px;color:rgba(255,255,255,.9);margin-bottom:24px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:10px;padding:10px 14px;width:fit-content;max-width:100%}
.tp-bar a{color:#fff;font-weight:600}
.tp-bar .tp-word{color:#fff}
.trust-list{list-style:none;padding:0;margin:0 0 26px;display:grid;grid-template-columns:1fr 1fr;gap:10px 18px;max-width:560px}
.trust-list li{font-size:13px;display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.92)}
.trust-list .ico{color:var(--cyan);font-size:15px}
.hero-facts{display:flex;gap:26px;flex-wrap:wrap;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);max-width:560px}
.hero-facts div{display:flex;flex-direction:column}
.hero-facts b{font-size:1.4rem;color:var(--cyan);font-weight:800;line-height:1.1}
.hero-facts span{font-size:11.5px;color:rgba(255,255,255,.7)}
@media(max-width:560px){.hero h1{font-size:1.9rem}}
@media(max-width:960px){.trust-list,.hero-facts{display:none}.hero{padding:32px 0 40px}}

.form-card{background:#fff;border-radius:18px;padding:28px 26px 22px;color:var(--text);box-shadow:var(--shadow);scroll-margin-top:90px}
@media(max-width:480px){.form-card{padding:22px 18px}}
.fc-top{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:4px}
.fc-top h2{font-size:1.2rem;font-weight:800}
.step-pill{font-size:10.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);background:var(--light);border:1px solid var(--border);padding:4px 10px;border-radius:20px;white-space:nowrap}
.fc-sub{font-size:12.5px;color:var(--muted);margin-bottom:18px}
.fc-progress{height:5px;background:var(--light);border-radius:5px;overflow:hidden;margin-bottom:20px}
.fc-progress i{display:block;height:100%;width:20%;background:linear-gradient(90deg,var(--blue),var(--cyan));border-radius:5px}
.form-card .choice{padding:14px}
.form-card .btn-primary{margin-top:4px;font-size:16px;padding:15px}

/* ══ TRUST STRIP ══ */
.strip{background:var(--light);border-bottom:1px solid var(--border)}
.strip .container{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding-top:18px;padding-bottom:18px}
.strip div{display:flex;align-items:center;gap:10px;font-size:12.5px;font-weight:700;color:var(--navy)}
.strip .ico{font-size:20px;color:var(--blue)}
@media(max-width:760px){.strip .container{grid-template-columns:1fr 1fr}}

/* ══ SECTIONS ══ */
.sec{padding:64px 0}
.sec.alt{background:var(--light)}
.sec-label{font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--cyan);margin-bottom:8px}
.sec-title{font-size:1.75rem;font-weight:800;margin-bottom:12px}
.sec-intro{font-size:14.5px;color:var(--muted);line-height:1.7;max-width:680px}
.sec-head{margin-bottom:32px}
.sec-head.center{text-align:center}.sec-head.center .sec-intro{margin:0 auto}
@media(max-width:560px){.sec{padding:44px 0}.sec-title{font-size:1.4rem}}

.reviewed{display:flex;align-items:center;gap:8px;font-size:12px;color:var(--muted);background:#fff;border:1px solid var(--border);border-radius:8px;padding:9px 14px;margin-bottom:28px;width:fit-content;max-width:100%}
.reviewed .ico{color:var(--green)}
.reviewed strong{color:var(--navy)}

.how{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:h}
.how li{list-style:none;background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px 20px;position:relative}
.how .num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--cyan);font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.how h3{font-size:14.5px;font-weight:800;margin-bottom:6px}
.how p{font-size:12.5px;color:var(--muted);line-height:1.6}
.how{padding:0;margin:0}
@media(max-width:900px){.how{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.how{grid-template-columns:1fr}}

.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:900px){.two{grid-template-columns:1fr;gap:28px}}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:22px}
.stat{background:var(--navy);color:#fff;border-radius:12px;padding:18px 16px}
.stat b{display:block;font-size:1.7rem;font-weight:800;color:var(--cyan);line-height:1;margin-bottom:6px;font-variant-numeric:tabular-nums}
.stat span{font-size:12px;color:rgba(255,255,255,.75)}
.info-card{background:var(--light);border:1px solid var(--border);border-radius:12px;padding:20px;margin-bottom:14px}
.info-card h3{font-size:14.5px;font-weight:800;margin-bottom:6px;display:flex;gap:8px;align-items:center}
.info-card h3 .ico{color:var(--blue)}
.info-card p{font-size:13px;color:var(--muted);line-height:1.65}
.sec.alt .info-card{background:#fff}

.need{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:760px){.need{grid-template-columns:1fr}}
.need-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:24px}
.need-card .nc-head{display:flex;gap:12px;align-items:center;margin-bottom:14px}
.need-card .nc-ico{width:44px;height:44px;border-radius:12px;background:var(--navy);color:var(--cyan);display:flex;align-items:center;justify-content:center;font-size:20px}
.need-card h3{font-size:16px;font-weight:800}
.need-card .nc-sub{font-size:12px;color:var(--muted)}
.need-card ul{list-style:none;margin:0 0 16px;padding:0;display:flex;flex-direction:column;gap:9px;font-size:13px}
.need-card li{display:flex;gap:8px}
.need-card li .ico{color:var(--green);margin-top:3px}
.need-card .auto{font-size:11px;font-weight:700;color:var(--blue);background:var(--light);border-radius:4px;padding:1px 6px;margin-left:4px;white-space:nowrap}

.tp-wrap{background:#fff;border:1px solid var(--border);border-radius:16px;padding:28px;display:grid;grid-template-columns:260px minmax(0,1fr);gap:28px;align-items:center}
@media(max-width:820px){.tp-wrap{grid-template-columns:1fr}}
.tp-score{display:flex;flex-direction:column;gap:8px}
.tp-score .big{font-size:3rem;font-weight:800;color:var(--navy);line-height:1}
.tp-score .tp-stars i{width:26px;height:26px;font-size:16px}
.tp-score .lbl{font-size:13px;color:var(--muted)}
.trustpilot-widget{min-height:150px}
.tp-fallback{display:flex;flex-direction:column;gap:12px;justify-content:center;height:100%;font-size:13.5px;color:var(--muted);line-height:1.6}
.tp-fallback a{font-weight:700}

.faq{max-width:820px;margin:0 auto}
.faq details{border-bottom:1px solid var(--border)}
.faq summary{list-style:none;cursor:pointer;padding:18px 0;font-size:14.5px;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ico{color:var(--cyan);transition:transform .2s;font-size:18px}
.faq details[open] summary .ico{transform:rotate(180deg)}
.faq .a{padding:0 0 18px;font-size:13.5px;color:var(--muted);line-height:1.75}

.cta{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:56px 0;text-align:center}
.cta h2{color:#fff;font-size:1.8rem;font-weight:800;margin-bottom:10px}
.cta p{color:rgba(255,255,255,.8);margin-bottom:22px;font-size:14.5px}
.cta small{display:block;margin-top:14px;color:rgba(255,255,255,.6);font-size:12px}