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:root{--navy:#022744;--navy-2:#0b3a60;--red:#d60814;--red-dark:#b0060f;--ink:#14202e;--ink-soft:#4d5b6b;--bg:#fff;--bg-soft:#f3f6f9;--line:#dfe5ec;--radius:12px;--shadow:0 1px 2px #0227440f, 0 10px 30px -14px #02274440;--max:1120px;--lightningcss-light:initial;--lightningcss-dark: ;color-scheme:light}*{box-sizing:border-box}html{scroll-behavior:smooth}body{background:var(--bg);color:var(--ink);font-family:var(--font-body), ui-sans-serif, system-ui, sans-serif;-webkit-font-smoothing:antialiased;margin:0;font-size:17px;line-height:1.6}h1,h2,h3,h4{font-family:var(--font-heading), ui-sans-serif, system-ui, sans-serif;color:var(--navy);text-wrap:balance;margin:0 0 .5em;line-height:1.2}h1{letter-spacing:-.02em;font-size:clamp(2rem,4.5vw,3.1rem)}h2{letter-spacing:-.01em;font-size:clamp(1.5rem,3vw,2.1rem)}h3{font-size:1.2rem}p{margin:0 0 1em}a{color:var(--navy-2)}a:hover{color:var(--red)}img{max-width:100%;height:auto}:focus-visible{outline:3px solid var(--red);outline-offset:2px;border-radius:4px}.skip-link{z-index:100;background:var(--navy);color:#fff;border-radius:6px;padding:8px 14px;position:absolute;top:8px;left:-9999px}.skip-link:focus{left:8px}.container{max-width:var(--max);margin:0 auto;padding:0 20px}.section{padding:72px 0}.section.soft{background:var(--bg-soft)}.section.navy{background:var(--navy);color:#e7eef5}.section.navy h2,.section.navy h3,.section.navy a:not(.btn){color:#fff}.lead{color:var(--ink-soft);max-width:46rem;font-size:1.15rem}.eyebrow{letter-spacing:.12em;text-transform:uppercase;color:var(--red);margin-bottom:12px;font-size:.8rem;font-weight:700;display:inline-block}.narrow{max-width:760px}.btn{cursor:pointer;border:2px solid #0000;border-radius:999px;justify-content:center;align-items:center;gap:8px;padding:12px 22px;font-family:inherit;font-size:1rem;font-weight:700;line-height:1.2;text-decoration:none;transition:background .15s,color .15s,border-color .15s;display:inline-flex}.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:var(--red-dark);color:#fff}.btn-secondary{color:var(--navy);border-color:var(--navy);background:0 0}.btn-secondary:hover{background:var(--navy);color:#fff}.btn-light{color:var(--navy);background:#fff}.btn-light:hover{color:var(--navy);background:#e7eef5}.btn-row{flex-wrap:wrap;gap:12px;margin-top:24px;display:flex}.topbar{background:var(--navy);color:#cfdbe7;font-size:.85rem}.topbar .container{flex-wrap:wrap;justify-content:flex-end;gap:20px;padding-top:6px;padding-bottom:6px;display:flex}.topbar a{color:#fff;font-weight:600;text-decoration:none}.topbar a:hover{color:#fff;text-decoration:underline}.site-header{z-index:50;border-bottom:1px solid var(--line);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);background:#fffffff7;position:sticky;top:0}.site-header .container{justify-content:space-between;align-items:center;gap:16px;min-height:92px;display:flex}.logo{flex-shrink:0;display:block}.logo img{width:300px;height:auto;display:block}.nav{align-items:center;gap:4px;display:flex}.nav>a,.nav summary{color:var(--navy);cursor:pointer;border-radius:8px;padding:8px 12px;font-size:.97rem;font-weight:600;text-decoration:none;list-style:none}.nav summary::-webkit-details-marker{display:none}.nav>a:hover,.nav summary:hover{background:var(--bg-soft);color:var(--navy)}.nav>a[aria-current=page]{color:var(--red)}.nav details{position:relative}.nav summary:after{content:"▾";margin-left:6px;font-size:.8em}.dropdown{border:1px solid var(--line);border-radius:var(--radius);min-width:300px;box-shadow:var(--shadow);background:#fff;padding:8px;position:absolute;top:calc(100% + 8px);left:0}.dropdown a{color:var(--navy);border-radius:8px;padding:10px 12px;font-weight:600;text-decoration:none;display:block}.dropdown a:hover{background:var(--bg-soft)}.nav .btn{margin-left:8px;padding:10px 18px}.menu-toggle,.mobile-nav{display:none}@media (max-width:1100px){.nav{display:none}.logo img{width:230px}.menu-toggle{display:block}.menu-toggle summary{cursor:pointer;border:2px solid var(--navy);color:var(--navy);border-radius:999px;padding:8px 14px;font-weight:700;list-style:none}.menu-toggle summary::-webkit-details-marker{display:none}.menu-toggle[open] .mobile-nav{border-bottom:1px solid var(--line);box-shadow:var(--shadow);background:#fff;max-height:calc(100vh - 110px);padding:12px 20px 20px;display:block;position:absolute;top:100%;left:0;right:0;overflow-y:auto}.mobile-nav a{color:var(--navy);border-bottom:1px solid var(--line);padding:10px 0;font-weight:600;text-decoration:none;display:block}.mobile-nav .group-label{text-transform:uppercase;letter-spacing:.1em;color:var(--ink-soft);margin:14px 0 0;font-size:.8rem}.mobile-nav .btn{color:#fff;border-bottom:0;width:100%;margin-top:16px}}.hero{background:linear-gradient(#f3f6f9 0%,#fff 100%);padding:80px 0 64px}.hero-grid{grid-template-columns:1.4fr 1fr;align-items:center;gap:48px;display:grid}.hero h1 span{color:var(--red)}.offer-card{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:16px;padding:28px}.offer-card h2{font-size:1.35rem}.offer-card ul{margin:0 0 20px;padding:0;list-style:none}.offer-card li{border-bottom:1px solid var(--line);padding:8px 0 8px 30px;position:relative}.offer-card li:before{content:"✓";color:var(--red);font-weight:800;position:absolute;left:0}.offer-card .btn{width:100%}@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero{padding:48px 0}}.stats{grid-template-columns:repeat(4,1fr);gap:16px;margin-top:40px;display:grid}.stat{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:18px}.stat strong{font-family:var(--font-heading), sans-serif;color:var(--navy);font-size:1.9rem;line-height:1.1;display:block}.stat span{color:var(--ink-soft);font-size:.95rem}@media (max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}.split{grid-template-columns:1fr 1fr;gap:24px;display:grid}.split>div{border-radius:16px;padding:32px}.split .for-business{background:var(--navy);color:#e7eef5}.split .for-business h2{color:#fff}.split .for-debtor{background:var(--bg-soft);border:1px solid var(--line)}@media (max-width:760px){.split{grid-template-columns:1fr}}.cards{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;margin-top:32px;display:grid}.card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;flex-direction:column;padding:24px;display:flex}.card p{color:var(--ink-soft);flex:1}.card a.more{font-weight:700;text-decoration:none}.card a.more:after{content:" →"}.card .num{font-family:var(--font-heading), sans-serif;color:var(--red);margin-bottom:8px;font-size:.95rem;font-weight:800}.steps{counter-reset:step;gap:20px;margin:32px 0 0;padding:0;list-style:none;display:grid}.steps li{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:24px 24px 24px 80px;position:relative}.steps li:before{counter-increment:step;content:counter(step);background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:38px;height:38px;font-weight:800;display:grid;position:absolute;top:24px;left:24px}.steps h3{margin-bottom:6px}.steps p{color:var(--ink-soft);margin:0}.ladder{margin:24px 0 0;padding:0;list-style:none}.ladder li{border-bottom:1px solid var(--line);padding:12px 0 12px 28px;position:relative}.ladder li:before{content:"";background:var(--red);border-radius:50%;width:10px;height:10px;position:absolute;top:21px;left:4px}.page-head{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:56px 0 40px}.page-head p{margin-bottom:0}.breadcrumb{color:var(--ink-soft);margin-bottom:12px;font-size:.9rem}.breadcrumb a{color:var(--ink-soft)}.prose{max-width:760px}.prose h2{margin-top:1.6em;font-size:1.5rem}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}.faq details{border-bottom:1px solid var(--line);padding:4px 0}.faq summary{cursor:pointer;color:var(--navy);padding:18px 40px 18px 0;font-size:1.08rem;font-weight:700;list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";color:var(--red);font-size:1.5rem;position:absolute;top:14px;right:8px}.faq details[open] summary:after{content:"–"}.faq .answer{color:var(--ink-soft);padding:0 0 16px}.regions{grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px;margin-top:24px;display:grid}.regions details{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:16px 20px}.regions summary{cursor:pointer;color:var(--navy);font-weight:700}.regions ul{columns:2;color:var(--ink-soft);margin:12px 0 0;padding-left:1.1em;font-size:.95rem}.form{gap:18px;max-width:640px;display:grid}.form .row{grid-template-columns:1fr 1fr;gap:18px;display:grid}@media (max-width:640px){.form 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