:root{--teal: #0DB2D4;--teal-dark: #0a9bba;--teal-light: #3dc4df;--teal-50: #e8f8fb;--teal-100: #c5eff5;--teal-900: #064f5e;--dark-green: #005060;--dark-green-light: #006a7d;--dark-green-dark: #003d4a;--dark-green-950: #002630;--orange: #F1645C;--orange-dark: #d94f47;--orange-light: #f4837c;--orange-50: #fef0ef;--orange-100: #fcd9d7;--warm-white: #EAE6E4;--warm-50: #FAF9F8;--warm-100: #F5F3F1;--warm-200: #EDEBE8;--pure-white: #FFFFFF;--text-primary: #1a2a30;--text-secondary: #4a5d65;--text-tertiary: #7a8f97;--green-accent: #2d8a5e;--green-50: #edf7f1;--green-100: #d0eedd;--radius-sm: 6px;--radius-md: 10px;--radius-lg: 16px;--radius-xl: 24px;--shadow-sm: 0 1px 3px rgba(0,80,96,.05);--shadow-md: 0 4px 16px rgba(0,80,96,.07);--shadow-lg: 0 8px 32px rgba(0,80,96,.09);--shadow-xl: 0 16px 48px rgba(0,80,96,.11);--font-display: "Lora", Georgia, serif;--font-body: "Alata", sans-serif;--font-mono: "JetBrains Mono", monospace;--radius: 10px;--shadow: 0 1px 3px rgba(0,40,50,.06);--border: #e0e0e0;--border-light: #eee;--bg-light: #f8f9fa;--bg-highlight: #e6fafb;--surface: #f8f8f7;--text-dark: #1a2e35;--text-mid: #555}*,*:before,*:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;font-size:18px}body{font-family:var(--font-body);color:var(--text-primary);background:var(--warm-50);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:var(--teal);text-decoration:none;transition:color .2s}a:hover{text-decoration:underline}img{max-width:100%;height:auto;display:block}.container{max-width:1200px;margin:0 auto;padding:0 24px}.container-wide{max-width:1360px;margin:0 auto;padding:0 24px}.section-pad{padding:100px 0}.bg-white{background:var(--pure-white)}.bg-warm{background:var(--warm-50)}.section-label{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:var(--teal);margin-bottom:12px}.section-title{font-family:var(--font-display);font-size:2.4rem;line-height:1.15;letter-spacing:-.015em;color:var(--dark-green-950);margin-bottom:16px;font-weight:600}.section-subtitle{font-size:1.05rem;line-height:1.7;color:var(--text-secondary);max-width:580px}.section-header{margin-bottom:56px}.nav{position:fixed;top:0;left:0;right:0;z-index:100;background:#ffffffeb;backdrop-filter:blur(20px) saturate(1.2);border-bottom:1px solid rgba(0,80,96,.05);transition:all .3s}.nav.scrolled{box-shadow:0 2px 20px #0050600f}.nav-inner{max-width:1360px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;height:72px}.nav-logo{display:flex;align-items:center;text-decoration:none}.nav-logo:hover{text-decoration:none}.nav-logo img{height:34px;width:auto}.nav-links{display:flex;align-items:center;gap:4px}.nav-link{text-decoration:none;color:var(--text-secondary);font-size:.85rem;padding:8px 14px;border-radius:var(--radius-sm);transition:all .2s}.nav-link:hover{color:var(--dark-green);background:var(--teal-50);text-decoration:none}.nav-cta{background:var(--teal);color:#fff;padding:12px 26px;border-radius:var(--radius-md);text-decoration:none;font-size:.85rem;transition:all .25s;margin-left:8px;box-shadow:0 2px 8px #0db2d440}.nav-cta:hover{background:var(--teal-dark);transform:translateY(-1px);text-decoration:none}.nav-mobile{display:none;background:none;border:none;cursor:pointer;padding:8px}.nav-dark{background:var(--dark-green-950);backdrop-filter:none;border-bottom:none}.nav-dark .nav-link{color:#fff9;font-family:var(--font-display);font-size:13px}.nav-dark .nav-link:hover{color:#ffffffe6;background:#ffffff0f}.nav-dark .nav-cta{background:var(--orange);box-shadow:none}.nav-dark .nav-cta:hover{background:#d94e47}.nav-dark .nav-logo-text{font-family:var(--font-display);font-size:16px;color:#ffffffe6;letter-spacing:.5px}.nav-dark .nav-tagline{font-size:9px;text-transform:uppercase;letter-spacing:2px;color:#ffffff59;margin-top:2px}.hero{padding:140px 0 80px;background:var(--warm-50);position:relative;overflow:hidden}.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 80% 50% at 10% 100%,rgba(13,178,212,.04) 0%,transparent 50%),radial-gradient(ellipse 60% 40% at 90% 10%,rgba(0,80,96,.03) 0%,transparent 50%);pointer-events:none}.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(0,80,96,.015) 1px,transparent 1px),linear-gradient(90deg,rgba(0,80,96,.015) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(ellipse 60% 60% at 50% 40%,black 10%,transparent 70%);pointer-events:none}.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;position:relative;z-index:1}.hero-content{max-width:580px}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--teal-50);color:var(--teal-dark);padding:6px 16px 6px 10px;border-radius:100px;font-size:.8rem;margin-bottom:24px;border:1px solid var(--teal-100);animation:fadeInUp .6s ease both}.hero-badge-dot{width:8px;height:8px;border-radius:50%;background:var(--teal);animation:pulse-dot 2s ease infinite}@keyframes pulse-dot{0%,to{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(.8)}}.hero h1{font-family:var(--font-display);font-size:3rem;line-height:1.12;letter-spacing:-.02em;color:var(--dark-green-950);margin-bottom:20px;font-weight:600;animation:fadeInUp .6s ease .1s both}.hero h1 em{font-style:italic;color:var(--teal-dark);position:relative}.hero h1 em:after{content:"";position:absolute;bottom:4px;left:-2px;right:-2px;height:10px;background:linear-gradient(90deg,var(--teal-100),rgba(13,178,212,.15));z-index:-1;border-radius:2px}.hero-subtitle{font-size:1.15rem;line-height:1.7;color:var(--text-secondary);margin-bottom:36px;animation:fadeInUp .6s ease .2s both}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;animation:fadeInUp .6s ease .3s both}.hero-independence{display:flex;gap:20px;margin-top:32px;padding-top:28px;border-top:1px solid var(--warm-200);animation:fadeInUp .6s ease .4s both;flex-wrap:wrap}.independence-item{display:flex;align-items:flex-start;gap:10px;flex:1;min-width:160px}.independence-icon{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:16px}.independence-icon-teal{background:var(--teal-50);color:var(--teal-dark)}.independence-icon-green{background:var(--green-50);color:var(--green-accent)}.independence-icon-dark{background:#0050600f;color:var(--dark-green)}.independence-label{font-size:.8rem;font-weight:400;color:var(--text-tertiary);line-height:1.4}.independence-label strong{display:block;color:var(--dark-green);font-size:.9rem}.hero-rate-card{background:var(--pure-white);border-radius:var(--radius-xl);box-shadow:var(--shadow-xl);overflow:hidden;animation:fadeInUp .6s ease .15s both;border:1px solid rgba(0,80,96,.04);position:relative}.hero-rate-card:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--dark-green),var(--teal),var(--teal-light))}.rate-card-header{padding:24px 28px 16px;display:flex;align-items:center;justify-content:space-between}.rate-card-title{font-family:var(--font-display);font-size:20px;color:var(--dark-green);font-weight:600}.rate-card-live{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--green-accent);background:var(--green-50);padding:4px 12px;border-radius:100px}.rate-card-live-dot{width:6px;height:6px;border-radius:50%;background:var(--green-accent);animation:pulse-dot 1.5s ease infinite}.rate-card-tabs{display:flex;gap:4px;padding:0 28px;margin-bottom:4px}.rate-tab{padding:8px 16px;border-radius:var(--radius-sm);font-size:13px;cursor:pointer;border:none;background:none;color:var(--text-tertiary);transition:all .2s;font-family:var(--font-body)}.rate-tab.active{background:var(--teal-50);color:var(--dark-green)}.rate-tab:hover:not(.active){color:var(--text-secondary)}.rate-table{width:100%}.rate-table-head{display:grid;grid-template-columns:1.4fr 1fr 1fr .8fr;padding:10px 28px;background:var(--warm-100);border-top:1px solid var(--warm-200);border-bottom:1px solid var(--warm-200)}.rate-table-head span{font-size:11px;color:var(--text-tertiary);text-transform:uppercase;letter-spacing:.06em}.rate-row{display:grid;grid-template-columns:1.4fr 1fr 1fr .8fr;padding:14px 28px;align-items:center;border-bottom:1px solid var(--warm-100);transition:background .15s;cursor:pointer}.rate-row:hover{background:var(--teal-50)}.rate-row:last-child{border-bottom:none}.rate-carrier{display:flex;align-items:center;gap:10px}.rate-carrier-logo{width:32px;height:32px;border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;font-size:11px;color:#fff;flex-shrink:0}.rate-carrier-name{font-size:.85rem}.rate-carrier-rating{font-size:12px;color:var(--text-tertiary)}.rate-apy{font-family:var(--font-mono);font-size:1.15rem;font-weight:500;color:var(--green-accent)}.rate-term{font-size:14px;color:var(--text-secondary)}.rate-min{font-size:13px;color:var(--text-tertiary)}.rate-card-footer{padding:16px 28px;background:var(--warm-100);display:flex;align-items:center;justify-content:space-between;border-top:1px solid var(--warm-200)}.rate-card-footer-text{font-size:12.5px;color:var(--text-tertiary)}.rate-card-footer-link{font-size:13px;color:var(--teal-dark);text-decoration:none;display:flex;align-items:center;gap:4px;transition:gap .2s}.rate-card-footer-link:hover{gap:8px;color:var(--dark-green);text-decoration:none}.rate-card-unavailable{display:flex;flex-direction:column;height:100%}.rate-card-unavailable-body{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:48px 28px;text-align:center;color:var(--text-secondary)}.rate-card-unavailable-title{font-family:var(--font-display);font-size:1.1rem;color:var(--dark-green-800, var(--dark-green));margin-bottom:8px;font-weight:600}.rate-card-unavailable-text{font-size:.88rem;color:var(--text-tertiary);max-width:320px;line-height:1.6}.carriers-bar{padding:40px 0;background:var(--pure-white);border-bottom:1px solid var(--warm-200)}.carriers-inner{text-align:center}.carriers-headline{font-family:var(--font-display);font-size:1.15rem;color:var(--dark-green);margin-bottom:6px;font-weight:600}.carriers-headline span{color:var(--teal)}.carriers-sub{font-size:14px;color:var(--text-tertiary);margin-bottom:24px}.carriers-logos{display:flex;align-items:center;justify-content:center;gap:32px;flex-wrap:wrap;opacity:.4}.carrier-logo{font-size:13px;color:var(--text-tertiary);font-weight:600;white-space:nowrap}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.how-card{padding:36px 32px;border-radius:var(--radius-lg);background:var(--warm-50);border:1px solid var(--warm-200);transition:all .35s;position:relative;overflow:hidden}.how-card:after{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--teal);opacity:0;transition:opacity .35s}.how-card:hover{border-color:var(--teal-100);box-shadow:var(--shadow-md);transform:translateY(-4px)}.how-card:hover:after{opacity:1}.how-card-step{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;font-family:var(--font-display);font-size:16px;margin-bottom:20px;font-weight:600}.how-card:nth-child(1) .how-card-step{background:var(--teal-50);color:var(--teal-dark)}.how-card:nth-child(2) .how-card-step{background:var(--orange-50);color:var(--orange)}.how-card:nth-child(3) .how-card-step{background:var(--green-50);color:var(--green-accent)}.how-card h3{font-family:var(--font-display);font-size:1.3rem;color:var(--dark-green);margin-bottom:10px;font-weight:600;line-height:1.25}.how-card p{font-size:1rem;line-height:1.7;color:var(--text-secondary)}.tools-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.tool-card{border-radius:var(--radius-xl);overflow:hidden;transition:all .35s;cursor:pointer}.tool-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-xl)}.tool-card-featured{grid-column:1 / -1;display:grid;grid-template-columns:1.1fr 1fr;background:linear-gradient(135deg,var(--dark-green-950) 0%,var(--dark-green) 60%,var(--teal-900) 100%);color:#fff;min-height:380px;position:relative}.tool-card-featured:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 70% 80%,rgba(13,178,212,.12) 0%,transparent 40%),radial-gradient(circle at 20% 20%,rgba(241,100,92,.05) 0%,transparent 30%);pointer-events:none}.tool-card-content{padding:48px;display:flex;flex-direction:column;justify-content:center;position:relative;z-index:1}.tool-card-featured .tool-card-label{color:var(--teal-light);border-color:#0db2d44d}.tool-card-featured .tool-card-title{color:#fff;font-size:1.9rem}.tool-card-featured .tool-card-desc{color:#ffffffa6}.tool-card-featured .tool-card-cta{color:var(--teal-light)}.tool-card-preview{display:flex;align-items:center;justify-content:center;padding:40px;position:relative;z-index:1}.tool-card-small{background:var(--pure-white);border:1px solid var(--warm-200);display:flex;flex-direction:column}.tool-card-small .tool-card-content{padding:32px;flex:1}.tool-card-small .tool-card-visual{height:190px;display:flex;align-items:center;justify-content:center;overflow:hidden}.tool-card-small:nth-child(2) .tool-card-visual{background:linear-gradient(135deg,var(--teal-50),var(--green-50))}.tool-card-small:nth-child(3) .tool-card-visual{background:linear-gradient(135deg,var(--orange-50),var(--warm-100))}.tool-card-label{display:inline-flex;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--teal-dark);padding:4px 10px;border:1px solid var(--teal-100);border-radius:100px;margin-bottom:16px;width:fit-content}.tool-card-title{font-family:var(--font-display);font-size:1.5rem;color:var(--dark-green-950);margin-bottom:12px;line-height:1.2;font-weight:600}.tool-card-desc{font-size:1rem;line-height:1.7;color:var(--text-secondary);margin-bottom:24px}.tool-card-cta{display:inline-flex;align-items:center;gap:6px;font-size:14px;color:var(--teal-dark);text-decoration:none;transition:all .2s}.tool-card-cta:hover{gap:10px;color:var(--dark-green);text-decoration:none}.mini-calc{background:var(--pure-white);border-radius:var(--radius-lg);padding:22px;width:270px;box-shadow:var(--shadow-lg);position:relative;z-index:1}.mini-calc-header{font-family:var(--font-display);font-size:15px;color:var(--dark-green);margin-bottom:14px;font-weight:600}.mini-calc-row{display:flex;justify-content:space-between;align-items:center;padding:8px 0}.mini-calc-row:not(:last-child){border-bottom:1px solid var(--warm-100)}.mini-calc-label{font-size:13px;color:var(--text-tertiary)}.mini-calc-value{font-family:var(--font-mono);font-size:14px;color:var(--dark-green)}.mini-calc-result{margin-top:12px;padding:14px;border-radius:var(--radius-md);text-align:center}.mini-calc-result-label{font-size:11px;text-transform:uppercase;letter-spacing:.06em}.mini-calc-result-value{font-family:var(--font-display);font-size:28px;font-weight:600}.leadership-section{padding:100px 0;background:var(--pure-white)}.leadership-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}.leadership-content{max-width:500px}.leadership-content p{font-size:1rem;line-height:1.7;color:var(--text-secondary);margin-bottom:20px}.board-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.board-card{padding:24px;border-radius:var(--radius-lg);background:var(--warm-50);border:1px solid var(--warm-200);transition:all .3s}.board-card:hover{border-color:var(--teal-100);box-shadow:var(--shadow-md);transform:translateY(-2px)}.board-card-featured{grid-column:1 / -1;background:linear-gradient(135deg,var(--dark-green-950),var(--dark-green));color:#fff;border-color:transparent}.board-card-featured .board-name{color:#fff}.board-card-featured .board-title{color:#fff9}.board-card-featured .board-credential{color:var(--teal-light)}.board-avatar{width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);font-size:16px;font-weight:600;margin-bottom:14px}.board-name{font-family:var(--font-display);font-size:17px;color:var(--dark-green);font-weight:600;margin-bottom:2px}.board-title{font-size:13px;color:var(--text-tertiary);line-height:1.4;margin-bottom:8px}.board-credential{font-size:12px;color:var(--teal-dark);font-weight:600}.expert-stat{padding:28px;border-radius:var(--radius-lg);background:var(--warm-50);border:1px solid var(--warm-200);text-align:center;transition:all .3s}.expert-stat:hover{border-color:var(--teal-100);box-shadow:var(--shadow-md)}.expert-stat-number{font-family:var(--font-display);font-size:2.2rem;color:var(--dark-green);margin-bottom:4px;font-weight:700}.expert-stat-label{font-size:.8rem;color:var(--text-tertiary)}.trust-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.trust-badge{display:flex;align-items:center;gap:6px;padding:8px 16px;border-radius:100px;background:var(--pure-white);border:1px solid var(--warm-200);font-size:13px;color:var(--text-secondary)}.bbb-badge{display:inline-flex;align-items:center;gap:8px;padding:8px 16px 8px 10px;border-radius:var(--radius-sm);background:#f0f7ff;border:1px solid #d4e6f7;font-size:13px;color:#1a5276;margin-top:8px}.bbb-shield{width:28px;height:28px;border-radius:4px;background:#003768;color:#fff;display:flex;align-items:center;justify-content:center;font-size:9px;line-height:1;flex-shrink:0}.edu-header{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:48px}.edu-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.edu-card{border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--warm-200);transition:all .3s;background:var(--pure-white)}.edu-card:hover{border-color:var(--teal-100);box-shadow:var(--shadow-md);transform:translateY(-3px)}.edu-card-image{height:175px;position:relative;overflow:hidden}.edu-card:nth-child(1) .edu-card-image{background:linear-gradient(135deg,var(--dark-green-950),var(--dark-green))}.edu-card:nth-child(2) .edu-card-image{background:linear-gradient(135deg,var(--teal-900),var(--teal-dark))}.edu-card:nth-child(3) .edu-card-image{background:linear-gradient(135deg,#3d2a1a,#8b6914)}.edu-card-image-text{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;padding:28px;font-family:var(--font-display);font-size:22px;color:#ffffffd9;text-align:center;line-height:1.3;font-weight:500}.edu-card-body{padding:24px}.edu-card-tag{font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--teal-dark);margin-bottom:10px}.edu-card h3{font-family:var(--font-display);font-size:1.15rem;color:var(--dark-green);margin-bottom:8px;line-height:1.3;font-weight:600}.edu-card p{font-size:.95rem;line-height:1.65;color:var(--text-secondary);margin-bottom:16px}.edu-card-meta{display:flex;align-items:center;gap:10px;font-size:12px;color:var(--text-tertiary);padding-top:14px;border-top:1px solid var(--warm-100)}.edu-card-avatar{width:22px;height:22px;border-radius:50%;background:var(--teal-50);display:flex;align-items:center;justify-content:center;font-size:10px;color:var(--teal-dark);flex-shrink:0}.edu-card-reviewed{font-size:11px;color:var(--green-accent);display:flex;align-items:center;gap:4px}.cta-section{padding:100px 0;background:linear-gradient(135deg,var(--dark-green-950) 0%,var(--dark-green) 50%,var(--teal-900) 100%);position:relative;overflow:hidden}.cta-section:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 25% 75%,rgba(13,178,212,.1) 0%,transparent 35%),radial-gradient(circle at 80% 20%,rgba(241,100,92,.06) 0%,transparent 30%);pointer-events:none}.cta-inner{text-align:center;position:relative;z-index:1;max-width:660px;margin:0 auto}.cta-inner .section-label{color:var(--teal-light)}.cta-inner .section-title{color:#fff;font-size:2.5rem}.cta-inner .section-subtitle{color:#fff9;margin:0 auto 40px}.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;gap:8px;padding:16px 32px;border-radius:var(--radius-md);font-size:1rem;text-decoration:none;transition:all .25s;cursor:pointer;border:none;font-family:var(--font-body)}.btn:hover{text-decoration:none}.btn-primary{background:var(--teal);color:#fff;box-shadow:0 2px 12px #0db2d44d}.btn-primary:hover{background:var(--teal-dark);transform:translateY(-2px);box-shadow:0 6px 20px #0db2d459}.btn-secondary{background:var(--pure-white);color:var(--dark-green);border:1.5px solid var(--warm-200);box-shadow:var(--shadow-sm)}.btn-secondary:hover{border-color:var(--teal-100);background:var(--teal-50);transform:translateY(-1px)}.btn-orange{background:var(--orange);color:#fff}.btn-orange:hover{background:#d94e47}.btn-teal{background:var(--teal);color:#fff;box-shadow:0 4px 16px #0db2d459}.btn-teal:hover{background:var(--teal-dark);transform:translateY(-2px);box-shadow:0 8px 24px 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var(--teal-100)}.rate-row-detail.open{display:block}.detail-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:20px}.detail-label{font-size:.7rem;color:var(--text-tertiary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:2px}.detail-value{font-size:.9rem;color:var(--text-primary)}.no-results{padding:60px 28px;text-align:center;color:var(--text-tertiary)}.no-results-icon{font-size:2rem;margin-bottom:12px;opacity:.3}.no-results h3{font-family:var(--font-display);font-size:1.2rem;color:var(--text-secondary);margin-bottom:8px}.no-results p{font-size:.9rem}.pagination{display:flex;align-items:center;justify-content:center;gap:8px;padding:24px 0}.page-btn{padding:8px 16px;border:1px solid var(--warm-200);border-radius:var(--radius-sm);background:var(--pure-white);font-family:var(--font-body);font-size:.85rem;color:var(--text-secondary);cursor:pointer;transition:all 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