/* ===========================================================================
   National Tax Block — design system v3 (premium blue + green)
   Font: Plus Jakarta Sans. Patterns: brand bar, white header with green
   active underline, full-width mega menus, landing heroes with angled media,
   option/tier cards, commitments, FAQ accordions, help panel.
   =========================================================================== */
:root{
  --ink:#0B1F3A; --navy-900:#071A33; --navy-800:#0C2B5E; --navy-700:#123A7A;
  --blue:#2A6FE8; --blue-700:#1A55C4; --blue-50:#EAF1FD; --blue-100:#D6E4FB;
  --green:#0B7A47; --green-700:#085C35; --green-500:#16A34A; --green-50:#E6F4EC; --green-900:#04331D;
  --accent:#00E676; --lime:#CFF94F;
  --muted:#4F5D73; --line:#DEE5EE; --soft:#F3F6FA; --cream:#F6F5EE; --white:#fff;
  --amber:#B26B00; --danger:#C0362C; --danger-50:#FBECEB;
  /* legacy aliases */
  --green-600:var(--green); --green-800:var(--navy-800); --green-accent:var(--accent);
  --radius:16px; --radius-sm:10px; --radius-lg:26px;
  --shadow-sm:0 1px 2px rgba(11,31,58,.06),0 2px 6px rgba(11,31,58,.05);
  --shadow:0 10px 30px rgba(11,31,58,.10); --shadow-lg:0 24px 60px rgba(11,31,58,.18);
  --container:1240px; --font:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  --h:72px; --bb:38px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:#fff;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-700);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{margin:0 0 .5em;line-height:1.1;font-weight:800;letter-spacing:-.025em;color:var(--ink)}
h1{font-size:clamp(2.2rem,1.4rem+3.6vw,3.6rem)}
h2{font-size:clamp(1.65rem,1.15rem+2.4vw,2.6rem)}
h3{font-size:clamp(1.15rem,1rem+.9vw,1.45rem)}
p{margin:0 0 1rem}
.muted{color:var(--muted)} strong{font-weight:700}

/* layout */
.container{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:20px}
.section{padding-block:clamp(52px,8vw,100px)}
.section--soft{background:var(--soft)} .section--cream{background:var(--cream)}
.section--navy{background:var(--navy-800);color:#dfe8f7} .section--green{background:var(--green);color:#eafff1} .section--green-dark{background:var(--green-900);color:#eafff1}
.section--tight{padding-block:clamp(36px,5vw,64px)}
.center{text-align:center}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--green);margin-bottom:.7rem}
.eyebrow--pill{background:var(--accent);color:var(--navy-900);padding:6px 12px;border-radius:6px;letter-spacing:.1em}
.section--navy .eyebrow,.section--green .eyebrow,.section--green-dark .eyebrow{color:var(--lime)}
.lead{font-size:clamp(1.05rem,1rem+.45vw,1.25rem);color:var(--muted);max-width:62ch}
.section--navy .lead,.section--green .lead,.section--green-dark .lead{color:rgba(255,255,255,.82)}
.section--navy h2,.section--green h2,.section--green-dark h2,.section--navy h3,.section--green h3{color:#fff}
.center .lead{margin-inline:auto}
.mark-hl{background:linear-gradient(transparent 60%,var(--accent) 60%);padding:0 .08em}
.section--navy .mark-hl,.hero-lp--dark .mark-hl{background:none;color:var(--accent)}
.grid{display:grid;gap:clamp(18px,2.4vw,28px)}
.cols-2{grid-template-columns:1fr} .cols-3{grid-template-columns:1fr} .cols-4{grid-template-columns:1fr 1fr}
.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:300;border-radius:0 0 8px 0}
.skip-link:focus{left:0}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:700;font-size:1rem;line-height:1;cursor:pointer;padding:16px 28px;border-radius:999px;border:2px solid transparent;transition:transform .08s,background .16s,box-shadow .16s,border-color .16s,color .16s;text-decoration:none;white-space:nowrap;font-family:inherit}
.btn:active{transform:translateY(1px)} .btn:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.btn--primary{background:var(--green);color:#fff}
.btn--primary:hover{background:var(--green-700);color:#fff;text-decoration:none;box-shadow:var(--shadow)}
.btn--blue{background:var(--blue);color:#fff} .btn--blue:hover{background:var(--blue-700);color:#fff;text-decoration:none}
.btn--accent{background:var(--accent);color:var(--navy-900)} .btn--accent:hover{background:#00c866;color:var(--navy-900);text-decoration:none}
.btn--ghost{background:transparent;color:var(--green);border-color:var(--green)}
.btn--ghost:hover{background:var(--green);color:#fff;text-decoration:none}
.btn--outline-navy{background:transparent;color:var(--ink);border-color:var(--ink)} .btn--outline-navy:hover{background:var(--ink);color:#fff;text-decoration:none}
.btn--light{background:#fff;color:var(--navy-800)} .btn--light:hover{background:#eaf1fd;color:var(--navy-900);text-decoration:none}
.btn--outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)} .btn--outline-light:hover{background:rgba(255,255,255,.12);color:#fff;text-decoration:none}
.btn--block{width:100%} .btn--sm{padding:11px 18px;font-size:.93rem} .btn--lg{padding:18px 34px;font-size:1.08rem}
.btn--danger{background:var(--danger);color:#fff} .btn[disabled]{opacity:.55;cursor:not-allowed}
.link-arrow{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;color:var(--ink)}
.link-arrow svg{transition:transform .15s} .link-arrow:hover{text-decoration:none;color:var(--green)} .link-arrow:hover svg{transform:translateX(4px)}
.section--navy .link-arrow,.section--green .link-arrow{color:#fff}

/* brand bar */
.brandbar{background:var(--navy-900);height:var(--bb)}
.brandbar .container{display:flex;justify-content:flex-end;align-items:stretch;height:100%;gap:0;padding-inline:20px}
.brandbar a{display:flex;align-items:center;gap:8px;padding:0 20px;color:#b9c7dd;font-size:.86rem;font-weight:700;letter-spacing:.01em;white-space:nowrap}
.brandbar a:hover{color:#fff;text-decoration:none}
.brandbar a.active{background:#fff;color:var(--ink)}
.brandbar a.active img{width:18px;height:18px;flex:0 0 auto}
.brandbar a.active .bb-label{font-weight:800}
/* Tablet: keep the bar but tighter. Phones: no brand bar at all — the logo owns the top, sister brands live in the menu. */
@media(max-width:1023px){.brandbar .container{padding-inline:0}.brandbar a{padding:0 16px;font-size:.82rem}.brandbar a.active{padding:0 18px}}
/* Mobile top (phones): three equal brand tabs with the full logo on the active one, a compact white header
   with the square NTB mark + account + menu, then a scrollable row of quick-link pills. */
.acct-btn,.quick-row{display:none}
@media(max-width:767px){
  :root{--h:64px;--bb:40px}
  .brandbar .container{padding-inline:0}
  .brandbar a{flex:1 1 0;justify-content:center;padding:0 6px;gap:0;font-size:.84rem;min-width:0}
  .brandbar a .bb-label{overflow:hidden;text-overflow:ellipsis}
  .brandbar a.active{flex:0 0 auto;padding:0 16px;font-size:.8rem;letter-spacing:0}
  .brandbar a.active .bb-mark{display:none}
  .mobile-menu{inset:var(--h) 0 0 0}
  .site-header{border-bottom:0}
  .header-inner{min-height:var(--h);gap:6px}
  .site-header .brand img.logo-full{height:40px;max-width:calc(100vw - 130px)}
  .site-header .help-btn{display:none}
  .site-header .header-actions{gap:2px}
  .site-header .acct-btn{display:grid;place-items:center;width:42px;height:42px;color:var(--ink);border-radius:50%}
  .site-header .acct-btn:hover{background:var(--soft);color:var(--green)}
  .site-header .nav-toggle{border:0;background:none;width:42px;height:42px;border-radius:50%}
  .site-header .nav-toggle span{width:22px;height:2.2px}
  .quick-row{display:flex;gap:10px;overflow-x:auto;padding:8px 20px 14px;background:#fff;border-bottom:1px solid var(--line);scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .quick-row::-webkit-scrollbar{display:none}
  .quick-row a{flex:0 0 auto;display:inline-flex;align-items:center;gap:9px;height:46px;padding:0 22px;border:1.6px solid var(--green);border-radius:999px;color:var(--green-700);font-weight:700;font-size:1rem;white-space:nowrap;background:#fff}
  .quick-row a:hover{background:var(--green-50);text-decoration:none}
}

/* header */
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:8px;min-height:var(--h)}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.12rem;letter-spacing:-.03em;color:var(--ink);flex:0 0 auto;margin-right:4px;white-space:nowrap}
.brand:hover{text-decoration:none}
.brand img{width:44px;height:44px}
.brand img.logo-full{width:auto;height:52px;display:block}
.logo-plate{background:#fff;border-radius:12px;padding:7px 12px;display:inline-flex;align-items:center;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.logo-plate img.logo-full{height:44px}
@media(max-width:767px){.brand{margin-right:0;min-width:0}.brand img.logo-full{height:42px;max-width:calc(100vw - 150px);object-fit:contain;object-position:left center}}
@media(max-width:559px){.brand img.logo-full{height:clamp(34px,11vw,40px)}.header-actions{gap:8px}}
.brand .bw-accent{color:var(--green)}
.primary-nav{display:none;align-items:stretch;gap:2px;height:var(--h)}
.nav-item{position:static;display:flex}
.nav-btn{display:inline-flex;align-items:center;gap:6px;padding:0 12px;color:var(--ink);font-weight:700;font-size:.95rem;background:none;border:0;cursor:pointer;font-family:inherit;position:relative;white-space:nowrap}
.nav-btn::after{content:"";position:absolute;left:14px;right:14px;bottom:0;height:4px;border-radius:4px 4px 0 0;background:var(--green);transform:scaleX(0);transition:transform .18s}
.nav-item.open .nav-btn::after,.nav-btn.active::after,.nav-btn:hover::after{transform:scaleX(1)}
.nav-btn .caret{width:9px;height:9px;border-right:2.5px solid currentColor;border-bottom:2.5px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .15s;margin-left:2px}
.nav-item.open .caret{transform:rotate(-135deg) translateY(-1px)}
.header-actions{margin-left:auto;display:flex;align-items:center;gap:10px;flex:0 0 auto}
.find-office{display:none;align-items:center;gap:8px;font-weight:700;color:var(--ink);font-size:.95rem;white-space:nowrap}
.find-office:hover{color:var(--green);text-decoration:none}
.help-btn{width:46px;height:46px;border-radius:50%;border:2px solid var(--green);background:#fff;color:var(--green);display:grid;place-items:center;cursor:pointer;transition:.15s}
.help-btn:hover{background:var(--green);color:#fff}
.signin-btn{display:none;align-items:center;gap:8px;background:var(--green);color:#fff;border-radius:999px;padding:9px 18px 9px 14px;font-weight:700;line-height:1.15;font-size:.9rem;white-space:nowrap}
.signin-btn:hover{background:var(--green-700);color:#fff;text-decoration:none}
.signin-btn small{display:block;font-weight:600;font-size:.78rem;opacity:.92}
.cta-short{display:inline}.cta-long{display:none}
.nav-toggle{display:inline-flex;flex-direction:column;justify-content:center;gap:5px;width:46px;height:46px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer}
.nav-toggle span{display:block;height:2.5px;width:22px;margin-inline:auto;background:var(--ink);transition:.2s;border-radius:2px}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
.site-header>.container,.mega>.container{max-width:1360px}
@media(min-width:1024px) and (max-width:1339px){.find-office span,.signin-btn small{display:none}.find-office{gap:0}.signin-btn{padding:11px 14px}.nav-btn{padding:0 10px;font-size:.9rem}}

/* mega menu */
.mega{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 30px 60px rgba(11,31,58,.18);opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .22s ease,transform .22s ease,visibility .22s;z-index:120}
.nav-item.open .mega{opacity:1;visibility:visible;transform:translateY(0)}
.mega-inner{display:grid;grid-template-columns:300px 1fr 360px;gap:40px;padding:44px 20px 48px}
.mega-explore{display:inline-flex;align-items:center;gap:10px;font-size:1.6rem;font-weight:800;letter-spacing:-.02em;color:var(--ink);margin-bottom:34px;grid-column:1/-1}
.mega-explore:hover{color:var(--green);text-decoration:none}
.mega-big{display:grid;gap:22px;align-content:start}
.mega-big a{display:inline-flex;align-items:center;gap:10px;font-size:1.28rem;font-weight:800;color:var(--ink);letter-spacing:-.01em}
.mega-big a svg{transition:transform .15s} .mega-big a:hover{color:var(--green);text-decoration:none} .mega-big a:hover svg{transform:translateX(4px)}
.mega-groups{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:34px;align-content:start}
.mega-group h4{font-size:1rem;font-weight:800;margin:0 0 10px;padding-bottom:12px;border-bottom:1px solid var(--line);color:var(--ink)}
.mega-group a{display:block;padding:9px 0;color:var(--ink);font-weight:600;font-size:1rem}
.mega-group a:hover{color:var(--green);text-decoration:none}
.mega-promos{display:grid;gap:14px;align-content:start}
.promo-card{display:grid;grid-template-columns:1fr;border-radius:18px;overflow:hidden;color:inherit}
.promo-card:hover{text-decoration:none;box-shadow:var(--shadow)}
.promo-card.green{background:var(--green);color:#fff} .promo-card.cream{background:var(--cream);color:var(--ink)} .promo-card.blue{background:var(--navy-800);color:#fff}
.promo-card .pc-body{padding:22px 24px}
.promo-card .pc-title{display:inline-flex;align-items:center;gap:8px;font-size:1.25rem;font-weight:800;letter-spacing:-.01em;margin-bottom:6px}
.promo-card p{margin:0;font-size:.98rem;opacity:.92}
.promo-card.has-img{grid-template-columns:150px 1fr}
.promo-card .pc-img{background:#cbd5e1 center/cover no-repeat;min-height:150px}

/* mobile drawer */
.mobile-menu{position:fixed;inset:calc(var(--h) + var(--bb)) 0 0 0;background:#fff;z-index:95;transform:translateX(100%);transition:transform .24s;overflow-y:auto;padding:12px 20px 48px}
.mobile-menu.open{transform:translateX(0)}
.m-group{border-bottom:1px solid var(--line)}
.m-link{display:flex;align-items:center;justify-content:space-between;width:100%;padding:18px 6px;font-size:1.12rem;font-weight:800;color:var(--ink);background:none;border:0;text-align:left;cursor:pointer;font-family:inherit}
.m-sub{display:none;padding:0 6px 16px}
.m-group.open .m-sub{display:block}
.m-sub a{display:block;padding:11px 10px;color:var(--ink);border-radius:8px;font-weight:600}
.m-sub a.m-big{font-weight:800;font-size:1.05rem}
.m-sub .m-h{font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:800;margin:14px 10px 4px}
.m-sub a:hover{background:var(--soft);color:var(--green);text-decoration:none}
.m-chevron{transition:transform .2s} .m-group.open .m-chevron{transform:rotate(180deg)}
.mobile-cta{display:flex;flex-direction:column;gap:12px;margin-top:22px}
.m-brands{display:flex;align-items:center;flex-wrap:wrap;gap:8px;padding:18px 6px 4px}
.m-brands span{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:800;margin-right:4px}
.m-brands a{display:inline-flex;align-items:center;gap:6px;padding:7px 12px;border:1px solid var(--line);border-radius:999px;font-size:.85rem;font-weight:700;color:var(--ink);background:var(--soft)}
.m-brands a:hover{border-color:var(--green);color:var(--green);text-decoration:none}
@media(min-width:768px){.m-brands{display:none}}
.menu-open{overflow:hidden}

/* promo ribbon */
.ribbon{background:var(--accent);color:var(--navy-900);font-weight:600;font-size:.95rem}
.ribbon .container{display:flex;align-items:center;justify-content:center;gap:12px;min-height:46px;position:relative;padding-right:48px;padding-block:8px}
.ribbon a{color:var(--navy-900);font-weight:800;white-space:nowrap}
.ribbon .rb-x{position:absolute;right:16px;top:50%;transform:translateY(-50%);background:none;border:0;cursor:pointer;color:var(--navy-900);font-size:1.3rem;line-height:1;width:32px;height:32px}
@media(max-width:767px){
  .ribbon{font-size:.84rem;line-height:1.4}
  .ribbon .container{display:block;min-height:0;padding:10px 44px 10px 20px}
  .ribbon .container>svg{display:none}
  .ribbon a{white-space:nowrap;margin-left:6px;text-decoration:underline;text-underline-offset:3px}
  .ribbon a svg{display:none}
  .ribbon .rb-x{right:8px;width:30px;height:30px;font-size:1.2rem}
}

/* landing hero */
.hero-lp{position:relative;overflow:hidden;background:#fff}
.hero-lp--dark{background:var(--navy-800);color:#fff}
.hero-lp--cream{background:var(--cream)} .hero-lp--soft{background:var(--soft)}
.hero-lp--dark h1,.hero-lp--dark .lead{color:#fff}
.hero-lp--dark .lead{color:rgba(255,255,255,.85)}
.hero-lp .hero-grid{display:grid;gap:34px;padding-block:clamp(44px,6vw,80px);grid-template-columns:1fr;align-items:center}
.hero-lp h1{max-width:17ch;margin-top:.4rem}
.hero-lp .sub{font-size:clamp(1.05rem,1rem+.5vw,1.3rem);color:var(--muted);max-width:50ch}
.hero-lp--dark .sub{color:rgba(255,255,255,.86)}
.rating{display:inline-flex;align-items:center;gap:8px;font-weight:700;margin-bottom:12px}
.rating .stars{color:#F5B301;letter-spacing:2px}
.price-tag{margin:14px 0 6px}
.price-tag .pt-l{font-size:.9rem;color:var(--muted);font-weight:600}
.hero-lp--dark .price-tag .pt-l,.hero-lp--dark .price-tag .pt-n{color:rgba(255,255,255,.85)}
.price-tag .pt-a{font-size:clamp(2.2rem,1.8rem+2vw,3.2rem);font-weight:800;letter-spacing:-.03em;line-height:1}
.price-tag .pt-n{font-size:.95rem;color:var(--muted);font-weight:600;margin-top:6px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:22px}
.hero-lp .fine{font-size:.86rem;color:var(--muted);margin-top:22px;max-width:60ch}
.hero-lp--dark .fine{color:rgba(255,255,255,.7)}
.hero-lp--dark .link-arrow{color:#fff} .hero-lp--dark .link-arrow:hover{color:var(--accent)}
.angle-media{position:relative;min-height:320px}
.angle-media::before{content:"";position:absolute;inset:6% -40% -20% 18%;background:var(--green);transform:skewX(-12deg);border-radius:0 0 0 40px;z-index:0}
@media(min-width:768px){.angle-media::before{inset:-20% -40% -20% 18%}}
.hero-lp--dark .angle-media::before{background:var(--green)}
.hero-lp--light .angle-media::before,.hero-lp--cream .angle-media::before,.hero-lp--soft .angle-media::before{background:var(--accent)}
.angle-media img{position:relative;z-index:1;width:100%;max-width:520px;aspect-ratio:4/3;object-fit:cover;border-radius:20px;box-shadow:var(--shadow-lg);margin-left:auto}
.angle-media .pro-card{position:absolute;z-index:2;left:0;bottom:28px;background:#fff;color:var(--ink);border-radius:14px;padding:12px 16px;box-shadow:var(--shadow-lg);display:flex;align-items:center;gap:12px}
.angle-media .pro-card .pc-av{width:48px;height:48px;border-radius:12px;background:var(--accent) center/cover}
.angle-media .pro-card b{display:block;font-size:1rem} .angle-media .pro-card span{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700}

/* cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);transition:transform .16s,box-shadow .16s,border-color .16s}
.card--link:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#c9d6e6;text-decoration:none}
.card .ic-badge{width:52px;height:52px;border-radius:14px;background:var(--green-50);color:var(--green);display:grid;place-items:center;margin-bottom:16px}
.card.b .ic-badge{background:var(--blue-50);color:var(--blue)}
.card h3{margin-bottom:.4rem} .card p{color:var(--muted);margin-bottom:0} .card .card-cta{margin-top:16px}
.card--img{padding:0;overflow:hidden} .card--img img{aspect-ratio:16/10;object-fit:cover;width:100%} .card--img .cb{padding:22px}

/* option / tier cards */
.opt-grid{display:grid;gap:22px;grid-template-columns:1fr}
.opt-card{background:#fff;border-radius:20px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;color:var(--ink)}
.opt-tab{background:var(--navy-900);color:#fff;text-align:center;font-weight:800;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;padding:13px}
.opt-tab em{color:var(--accent);font-style:normal}
.opt-body{padding:28px;display:flex;flex-direction:column;flex:1}
.opt-card h3{font-size:1.5rem}
.opt-card .ob-text{color:var(--ink);font-weight:600}
.sq-list{list-style:none;padding:0;margin:14px 0 22px;display:grid;gap:12px}
.sq-list li{display:flex;gap:11px;align-items:flex-start}
.sq-list .sq{flex:0 0 auto;width:15px;height:15px;border-radius:3px;background:var(--green);margin-top:5px}
.opt-card .price{margin-top:auto}
.opt-card .price .lbl{font-size:.86rem;color:var(--muted)}
.opt-card .price .amt{font-size:2.3rem;font-weight:800;letter-spacing:-.03em;line-height:1.1}
.opt-card .price .nt{font-size:.9rem;color:var(--muted);margin-top:4px}
.opt-card .price .btn{margin-top:18px}
.opt-card.featured{outline:3px solid var(--accent)}

/* tier table */
.tier-cards{display:grid;gap:16px}
.tier-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px 22px;box-shadow:var(--shadow)}
.tier-card.popular{border:2px solid var(--green)}
.tier-card .tn{font-weight:800;font-size:1.25rem;letter-spacing:-.02em}
.tier-card .tp{font-size:2.2rem;font-weight:800;letter-spacing:-.03em;line-height:1.1;margin-top:4px}
.tier-card .ts{font-weight:600;color:var(--muted);font-size:.92rem;margin-top:4px}
.tier-card .tt{color:var(--muted);font-size:.95rem;margin:10px 0 16px}
.tier-card .tick.off{background:var(--line);color:var(--muted)}
.tier-wrap{display:none;overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:20px;background:var(--cream);padding:8px}
@media(min-width:768px){.tier-cards{display:none}.tier-wrap{display:block}}
.tier-table{width:100%;border-collapse:separate;border-spacing:0;min-width:760px}
.tier-table th,.tier-table td{padding:16px 18px;text-align:left;vertical-align:top}
.tier-table thead th{background:transparent;vertical-align:bottom}
.tier-table .tn{font-size:1.35rem;font-weight:800;letter-spacing:-.02em}
.tier-table .tp{font-size:2rem;font-weight:800;letter-spacing:-.03em;line-height:1;margin:8px 0 2px}
.tier-table .ts{font-size:.86rem;color:var(--muted);font-weight:600}
.tier-table .tt{font-size:.9rem;color:var(--muted);margin-top:8px;font-weight:500}
.tier-table tbody tr:nth-child(odd) td,.tier-table tbody tr:nth-child(odd) th{background:#fff}
.tier-table tbody th{font-weight:600}
.tier-table .ok{display:inline-grid;place-items:center;width:22px;height:22px;border-radius:5px;background:var(--green);color:#fff}
.tier-table .no{color:var(--muted);font-size:1.1rem}
.tier-table tfoot td{padding-top:18px}

/* features / steps / split */
.feat-grid{display:grid;gap:22px;grid-template-columns:1fr}
.feat{display:flex;gap:16px;align-items:flex-start}
.feat .fi{flex:0 0 auto;width:52px;height:52px;border-radius:14px;background:var(--green-50);color:var(--green);display:grid;place-items:center}
.section--navy .feat .fi,.section--green .feat .fi{background:rgba(255,255,255,.12);color:var(--lime)}
.feat h3{font-size:1.15rem;margin-bottom:.3rem} .feat p{margin:0;color:var(--muted)}
.section--navy .feat p,.section--green .feat p{color:rgba(255,255,255,.8)}
.steps{display:grid;gap:26px;grid-template-columns:1fr}
.step .num{width:48px;height:48px;border-radius:14px;background:var(--green);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.15rem;margin-bottom:14px}
.step .lbl{font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--green);font-weight:800;margin-bottom:6px}
.split{display:grid;gap:36px;align-items:center;grid-template-columns:1fr}
.split .split-media img{border-radius:22px;box-shadow:var(--shadow);width:100%;object-fit:cover;aspect-ratio:5/4}
.split .split-media.on-green{position:relative;padding:28px 0 0 28px}
.split .split-media.on-green::before{content:"";position:absolute;inset:0 28px 28px 0;background:var(--accent);border-radius:22px;z-index:0}
.split .split-media.on-green img{position:relative;z-index:1}
.check-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.check-list li{display:flex;gap:12px;align-items:flex-start}
.check-list .tick{flex:0 0 auto;width:26px;height:26px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;margin-top:1px}
.pill{display:inline-flex;align-items:center;gap:8px;background:var(--green-50);color:var(--green-700);border-radius:999px;padding:7px 14px;font-size:.84rem;font-weight:700}

/* commitments */
.guar-grid{display:grid;gap:22px;grid-template-columns:1fr}
.guar{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;text-align:center}
.guar .gi{width:64px;height:64px;border-radius:50%;background:var(--green-50);color:var(--green);display:grid;place-items:center;margin:0 auto 14px}
.guar h3{font-size:1.2rem} .guar p{color:var(--muted);margin:0}

/* compare table (legacy) */
.compare{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.compare table{width:100%;border-collapse:collapse;min-width:640px}
.compare th,.compare td{padding:17px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.compare thead th{background:var(--navy-800);color:#fff}
.compare td .tick{color:var(--green)} .compare td .no{color:var(--muted)}

/* accordion */
.accordion{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;box-shadow:var(--shadow-sm)}
.accordion details{border-bottom:1px solid var(--line)} .accordion details:last-child{border-bottom:0}
.accordion summary{list-style:none;cursor:pointer;padding:22px 24px;font-weight:700;font-size:1.08rem;display:flex;justify-content:space-between;gap:16px;align-items:center}
.accordion summary::-webkit-details-marker{display:none}
.accordion summary .plus{flex:0 0 auto;width:24px;height:24px;position:relative}
.accordion summary .plus::before,.accordion summary .plus::after{content:"";position:absolute;background:var(--green);border-radius:2px}
.accordion summary .plus::before{inset:11px 2px auto 2px;height:2.5px} .accordion summary .plus::after{inset:2px auto 2px 11px;width:2.5px;transition:.2s}
.accordion details[open] summary .plus::after{transform:scaleY(0)}
.accordion .acc-body{padding:0 24px 24px;color:var(--muted)}

/* stat band */
.stat-band{display:grid;grid-template-columns:1fr 1fr;gap:24px;text-align:center}
.stat-band .n{font-size:clamp(2rem,1.4rem+2vw,2.8rem);font-weight:800;color:var(--accent);letter-spacing:-.02em}
.stat-band .l{color:rgba(255,255,255,.8);font-size:.95rem}

/* cta band */
.cta-band{background:var(--navy-800);color:#fff;border-radius:24px;padding:clamp(28px,4vw,48px);display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.cta-band h2{color:#fff;margin-bottom:.3rem} .cta-band p{margin:0;color:rgba(255,255,255,.82)}

/* tools / calculators */
.calc{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(20px,3vw,34px);box-shadow:var(--shadow)}
.calc .form-row{display:grid;gap:0 18px;grid-template-columns:1fr}
.calc-result{background:var(--navy-800);color:#fff;border-radius:18px;padding:26px;margin-top:10px}
.calc-result .cr-l{font-size:.9rem;opacity:.85} .calc-result .cr-v{font-size:2.4rem;font-weight:800;letter-spacing:-.03em;line-height:1.1}
.calc-result .cr-v.refund{color:var(--accent)} .calc-result .cr-v.owe{color:#ffb3ab}
.calc-result .cr-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px;font-size:.92rem}
.calc-result .cr-grid b{display:block;font-size:1.05rem}
.chk-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.chk-list li label{display:flex;gap:12px;align-items:flex-start;padding:12px 14px;border:1px solid var(--line);border-radius:12px;cursor:pointer}
.chk-list li label:hover{background:var(--soft)}
.chk-list input{width:20px;height:20px;accent-color:var(--green);flex:0 0 auto;margin-top:1px}
.chk-list .done label{background:var(--green-50);border-color:#b9e2cb;text-decoration:line-through;color:var(--muted)}
.chip{display:inline-flex;align-items:center;gap:8px;padding:10px 16px;border:2px solid var(--line);border-radius:999px;font-weight:700;cursor:pointer;background:#fff}
.chip input{accent-color:var(--green)}
.chip.on{border-color:var(--green);background:var(--green-50)}

/* forms */
.form-field{margin-bottom:20px}
.form-field label{display:block;font-weight:700;font-size:.95rem;margin-bottom:8px}
.form-field .hint{color:var(--muted);font-size:.85rem;margin-top:6px}
.input,.select,.textarea{width:100%;padding:15px 16px;font:inherit;color:var(--ink);background:#fff;border:2px solid var(--line);border-radius:12px;transition:border-color .15s,box-shadow .15s}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.textarea{min-height:140px;resize:vertical}
.form-field.err .input,.form-field.err .select,.form-field.err .textarea{border-color:var(--danger)}
.field-error{color:var(--danger);font-size:.85rem;margin-top:7px}
.form-row{display:grid;gap:0 18px;grid-template-columns:1fr}
fieldset{border:0;padding:0;margin:0}
.checkbox{display:flex;gap:11px;align-items:flex-start;font-weight:600}
.checkbox input{width:20px;height:20px;margin-top:2px;accent-color:var(--green);flex:0 0 auto}
.auth-card{max-width:480px;margin-inline:auto}
.pw-wrap{position:relative} .pw-wrap .input{padding-right:52px}
.pw-toggle{position:absolute;right:6px;top:50%;transform:translateY(-50%);width:40px;height:40px;border:0;background:none;cursor:pointer;color:var(--muted);display:grid;place-items:center;border-radius:10px}
.pw-toggle:hover,.pw-toggle.on{color:var(--green);background:var(--soft)}
.search-row{display:flex;gap:10px;max-width:560px}
.search-row .input{flex:1}

/* alerts, badges */
.flash-wrap{position:relative;z-index:80}
.alert{padding:15px 18px;border-radius:12px;margin:16px 0;font-size:.98rem;display:flex;gap:11px;align-items:flex-start;border:1px solid}
.alert--success{background:var(--green-50);border-color:#b9e2cb;color:var(--green-700)}
.alert--error{background:var(--danger-50);border-color:#f1c3bf;color:var(--danger)}
.alert--info{background:var(--blue-50);border-color:#c6dafb;color:var(--blue-700)}
.badge{display:inline-flex;align-items:center;gap:6px;padding:5px 12px;border-radius:999px;font-size:.78rem;font-weight:700;background:var(--soft);color:var(--muted)}
.badge--green{background:var(--green-50);color:var(--green-700)} .badge--blue{background:var(--blue-50);color:var(--blue-700)}
.badge--amber{background:#fdf2df;color:var(--amber)} .badge--red{background:var(--danger-50);color:var(--danger)} .badge--gray{background:var(--soft);color:var(--muted)}

/* footer */
.site-footer{background:var(--navy-900);color:#a9b8cf;padding-block:64px 32px}
.site-footer a{color:#cfdaea} .site-footer a:hover{color:#fff}
.footer-grid{display:grid;gap:34px;grid-template-columns:1fr 1fr}
.footer-brand{grid-column:1/-1}
.footer-brand .brand{color:#fff} .footer-brand .bw-accent{color:var(--accent)}
.footer-brand p{color:#8fa3c0;max-width:38ch;margin-top:14px}
.footer-col h4{color:#fff;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:16px}
.footer-col ul{list-style:none;padding:0;margin:0;display:grid;gap:11px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:46px;padding-top:24px;display:flex;flex-direction:column;gap:16px;font-size:.88rem;color:#8fa3c0}
.footer-social{display:flex;gap:12px}
.footer-social a{width:40px;height:40px;border-radius:11px;background:rgba(255,255,255,.08);display:grid;place-items:center}
.footer-social a:hover{background:var(--green)}

/* help panel */
.help-fab{position:fixed;right:22px;bottom:22px;z-index:90;display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--ink);border:2px solid var(--green);border-radius:999px;padding:14px 22px;font-weight:800;box-shadow:var(--shadow-lg);cursor:pointer;font-family:inherit;font-size:1rem}
.help-fab:hover{background:var(--green-50)}
.help-panel{position:fixed;right:0;top:0;bottom:0;width:min(420px,100%);background:#fff;z-index:200;box-shadow:-20px 0 60px rgba(11,31,58,.25);transform:translateX(100%);transition:transform .26s;display:flex;flex-direction:column}
.help-panel.open{transform:translateX(0)}
.help-panel .hp-head{background:var(--navy-800);color:#fff;padding:22px 22px 18px;display:flex;align-items:center;justify-content:space-between}
.help-panel .hp-head h3{color:#fff;margin:0;font-size:1.15rem}
.help-panel .hp-close{background:none;border:0;color:#fff;font-size:1.5rem;cursor:pointer}
.help-panel .hp-body{padding:20px 22px;overflow-y:auto;flex:1}
.help-panel .hp-q{display:block;padding:12px 14px;border:1px solid var(--line);border-radius:12px;margin-bottom:8px;color:var(--ink);font-weight:600}
.help-panel .hp-q:hover{background:var(--soft);text-decoration:none;color:var(--green)}
.help-panel .hp-foot{padding:16px 22px;border-top:1px solid var(--line);display:grid;gap:10px}
.help-backdrop{position:fixed;inset:0;background:rgba(11,31,58,.35);z-index:190;opacity:0;visibility:hidden;transition:.2s}
.help-backdrop.open{opacity:1;visibility:visible}

/* page head, prose, dashboard, tables, misc (kept from v2) */
.page-head{background:var(--soft);border-bottom:1px solid var(--line);padding-block:clamp(40px,6vw,76px)}
.page-head.green{background:var(--navy-800);border-bottom:0;color:#eaf1fd} .page-head.green h1{color:#fff} .page-head.green .lead{color:#c9d8f3}
.breadcrumb{display:flex;gap:8px;flex-wrap:wrap;font-size:.86rem;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--muted)} .breadcrumb a:hover{color:var(--green)}
.page-head.green .breadcrumb,.page-head.green .breadcrumb a{color:#a9bfe3}
.prose{max-width:72ch;font-size:1.05rem} .prose h3{margin-top:1.7em} .prose ul,.prose ol{padding-left:1.3em;margin-bottom:1rem} .prose li{margin-bottom:.45rem}
.prose img{border-radius:var(--radius);margin:1.3rem 0} .prose a{color:var(--blue-700);text-decoration:underline}
.dash{display:grid;grid-template-columns:1fr;min-height:calc(100vh - var(--h))}
.dash-side{background:var(--navy-900);color:#cfdaea;padding:16px}
.dash-side .d-nav{display:flex;gap:6px;overflow-x:auto}
.dash-side .d-nav a{flex:0 0 auto;display:flex;align-items:center;gap:10px;padding:12px 15px;border-radius:11px;color:#cfdaea;font-weight:700;font-size:.94rem;white-space:nowrap}
.dash-side .d-nav a:hover{background:rgba(255,255,255,.08);color:#fff;text-decoration:none}
.dash-side .d-nav a.active{background:var(--green);color:#fff}
.dash-main{padding:clamp(20px,3vw,36px) 20px;background:var(--soft)}
.stat-grid{display:grid;gap:16px;grid-template-columns:1fr 1fr}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.stat .n{font-size:2rem;font-weight:800;letter-spacing:-.02em;color:var(--navy-800)} .stat .l{color:var(--muted);font-size:.88rem}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(18px,2.5vw,28px);margin-bottom:22px;box-shadow:var(--shadow-sm)}
.panel h2,.panel h3{margin-top:0}
.panel-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:18px;flex-wrap:wrap}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table.data{width:100%;border-collapse:collapse;min-width:560px}
table.data th,table.data td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:.93rem}
table.data thead th{background:var(--soft);font-weight:700;color:var(--muted)} table.data tbody tr:hover{background:var(--soft)} table.data .row-actions{display:flex;gap:8px}
.empty{text-align:center;padding:48px 20px;color:var(--muted)}
.empty .ic{width:64px;height:64px;border-radius:18px;background:var(--soft);display:grid;place-items:center;margin:0 auto 16px;color:var(--green)}
.spinner{width:18px;height:18px;border:2px solid var(--line);border-top-color:var(--green);border-radius:50%;animation:spin .7s linear infinite;display:inline-block}
@keyframes spin{to{transform:rotate(360deg)}} .is-loading{position:relative;pointer-events:none;opacity:.7}
.pager{display:flex;gap:7px;justify-content:center;margin-top:30px;flex-wrap:wrap}
.pager a,.pager span{padding:10px 15px;border:1px solid var(--line);border-radius:11px;color:var(--ink);font-weight:700;font-size:.9rem}
.pager a:hover{border-color:var(--green);color:var(--green);text-decoration:none} .pager .current{background:var(--green);color:#fff;border-color:var(--green)} .pager .disabled{opacity:.45}
.progress{display:flex;gap:10px;margin-bottom:32px;flex-wrap:wrap}
.progress .p{flex:1 1 0;min-width:70px;display:flex;flex-direction:column;gap:9px;font-size:.82rem;color:var(--muted);font-weight:600}
.progress .p .bar{height:7px;border-radius:999px;background:var(--line)} .progress .p.done .bar{background:var(--green-500)} .progress .p.current .bar{background:var(--green)} .progress .p.current{color:var(--green);font-weight:800}
.topic-tabs{display:flex;gap:6px;flex-wrap:wrap;border-bottom:1px solid var(--line);padding:10px 0}
.topic-tabs a{padding:10px 14px;border-radius:999px;font-weight:700;color:var(--muted);font-size:.95rem}
.topic-tabs a.on,.topic-tabs a:hover{background:var(--green-50);color:var(--green);text-decoration:none}

/* utilities */
.flex{display:flex} .items-center{align-items:center} .justify-between{justify-content:space-between}
.gap-8{gap:8px} .gap-12{gap:12px} .gap-16{gap:16px} .wrap{flex-wrap:wrap}
.mt-0{margin-top:0} .mt-8{margin-top:8px} .mt-16{margin-top:16px} .mt-24{margin-top:24px} .mt-32{margin-top:32px}
.mb-0{margin-bottom:0} .mb-8{margin-bottom:8px} .mb-16{margin-bottom:16px} .mb-24{margin-bottom:24px}
.hidden{display:none} .text-green{color:var(--green)} .text-blue{color:var(--blue)} .text-danger{color:var(--danger)} .w-full{width:100%} .nowrap{white-space:nowrap}
.tag-row{display:flex;gap:8px;flex-wrap:wrap}

/* responsive */
@media(min-width:480px){.cta-short{display:none}.cta-long{display:inline}}
@media(min-width:560px){.cols-2{grid-template-columns:1fr 1fr}.form-row,.calc .form-row{grid-template-columns:1fr 1fr}.stat-grid{grid-template-columns:repeat(4,1fr)}.feat-grid{grid-template-columns:1fr 1fr}.guar-grid{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:768px){.cols-3{grid-template-columns:repeat(3,1fr)}.cols-4{grid-template-columns:repeat(4,1fr)}.steps{grid-template-columns:repeat(3,1fr)}.opt-grid{grid-template-columns:repeat(3,1fr)}.hero-lp .hero-grid{grid-template-columns:1.05fr .95fr}.split{grid-template-columns:1fr 1fr}.split.rev>:first-child{order:2}.stat-band{grid-template-columns:repeat(4,1fr)}.feat-grid.cols-3{grid-template-columns:repeat(3,1fr)}.feat-grid.cols-4{grid-template-columns:repeat(4,1fr)}}
@media(min-width:1024px){.primary-nav{display:flex}.nav-toggle{display:none}.find-office,.signin-btn{display:inline-flex}.mobile-menu{display:none}.dash{grid-template-columns:260px 1fr}.dash-side{position:sticky;top:var(--h);align-self:start;height:calc(100vh - var(--h))}.dash-side .d-nav{flex-direction:column;overflow:visible}.footer-grid{grid-template-columns:1.4fr repeat(5,1fr)}.footer-brand{grid-column:auto}}
@media(max-width:1023px){.mega{display:none}}
@media(prefers-reduced-motion:reduce){*{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}}
@media print{.site-header,.site-footer,.nav-toggle,.flash-wrap,.brandbar,.ribbon,.help-fab{display:none}}