html{scroll-behavior:smooth}
body{margin:0;font-family:'Bricolage Grotesque',system-ui,-apple-system,'Segoe UI',sans-serif;color:#0A1238;background:#F5F6FA}
a{color:#1232B8}a:hover{color:#071A5C}
input,select,textarea,button{font-family:inherit}
input:focus,textarea:focus,button:focus-visible,a:focus-visible{outline:3px solid #FFB627;outline-offset:2px}

/* ===== Quickfundz calculator: everything below is scoped to .qfc ===== */
.qfc{border-bottom:1px solid #D9DEEF;font-family:'Bricolage Grotesque',system-ui,-apple-system,'Segoe UI',sans-serif;color:#0A1238;background:#F5F6FA;padding:96px clamp(20px,5vw,80px);box-sizing:border-box}
.qfc *{box-sizing:border-box}
.qfc-wrap{max-width:1200px;margin:0 auto;display:flex;flex-direction:column;gap:48px}
.qfc-head{display:flex;flex-direction:column;gap:16px;max-width:760px}
.qfc-eyebrow{font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#1232B8}
.qfc-title{margin:0;font-size:clamp(34px,4.4vw,58px);line-height:1.02;letter-spacing:-.035em;font-weight:800;text-wrap:balance}
.qfc-title em{font-family:'Instrument Serif',Georgia,serif;font-style:italic;font-weight:400;letter-spacing:-.01em;color:#1232B8}
.qfc-lede{margin:0;font-size:20px;line-height:1.55;color:#3D4670;text-wrap:pretty}
.qfc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(420px,100%),1fr));gap:28px;align-items:start}
.qfc-card{background:#FFFFFF;border:1px solid #D9DEEF;border-radius:6px;padding:clamp(24px,4vw,40px);display:flex;flex-direction:column;gap:30px}
.qfc-field{display:flex;flex-direction:column;gap:10px}
.qfc-row{display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.qfc-label{font-size:17px;font-weight:700}
.qfc-hint{margin:0;font-size:14px;line-height:1.45;color:#3D4670}
.qfc-num{width:170px;height:48px;padding:0 14px;font:inherit;font-size:19px;font-weight:700;text-align:right;color:#0A1238;border:1px solid #8D97BD;border-radius:4px;background:#fff}
.qfc-num:focus,.qfc input[type=range]:focus-visible,.qfc-opt input:focus-visible+span,.qfc-cta:focus-visible,.qfc summary:focus-visible{outline:3px solid #FFB627;outline-offset:2px}
.qfc input[type=range]{width:100%;height:28px;margin:0;accent-color:#1232B8;cursor:pointer}
.qfc-scale{display:flex;justify-content:space-between;font-size:13px;color:#3D4670}
.qfc-opts{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(170px,100%),1fr));gap:10px}
.qfc-opt{position:relative;display:block;cursor:pointer}
.qfc-opt input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.qfc-opt span{display:flex;flex-direction:column;gap:4px;min-height:74px;padding:12px 16px;border:2px solid #8D97BD;border-radius:4px;font-size:17px;font-weight:700;background:#fff}
.qfc-opt small{font-size:13px;font-weight:500;color:#3D4670}
.qfc-opt input:checked+span{background:#1232B8;border-color:#1232B8;color:#fff}
.qfc-opt input:checked+span small{color:#D6DDFB}
.qfc-out{background:#071A5C;border-radius:6px;padding:clamp(24px,4vw,40px);display:flex;flex-direction:column;gap:26px;color:#fff}
.qfc-big-label{font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#FFB627}
.qfc-big{font-size:clamp(44px,6vw,68px);line-height:1;letter-spacing:-.04em;font-weight:800;overflow-wrap:anywhere}
.qfc-sub{margin:0;font-size:16px;line-height:1.5;color:#D6DDFB}
.qfc-lines{margin:0;display:flex;flex-direction:column}
.qfc-line{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:15px 0;border-top:1px solid #2A46B8}
.qfc-line dt{font-size:16px;color:#C5CEF5}
.qfc-line dd{margin:0;font-size:18px;font-weight:700;text-align:right;white-space:nowrap}
.qfc-line.qfc-total dt,.qfc-line.qfc-total dd{color:#fff;font-weight:800}
.qfc-fees{border-top:1px solid #2A46B8;padding-top:15px}
.qfc-fees summary{cursor:pointer;font-size:16px;font-weight:700;color:#fff;padding:4px 0}
.qfc-fees ul{margin:12px 0 0;padding:0;list-style:none;display:flex;flex-direction:column;gap:8px}
.qfc-fees li{display:flex;justify-content:space-between;gap:16px;font-size:15px;color:#D6DDFB}
.qfc-fees li b{font-weight:600;color:#fff;white-space:nowrap}
.qfc-fees p{margin:12px 0 0;font-size:14px;line-height:1.5;color:#C5CEF5}
.qfc-warn{display:none;margin:0;padding:12px 14px;border-radius:4px;background:#FFE9B8;color:#0A1238;font-size:15px;font-weight:600;line-height:1.45}
.qfc-cta{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:60px;padding:0 34px;background:#FFB627;color:#0A1238;font-weight:800;font-size:19px;text-decoration:none;border-radius:4px}
.qfc-cta:hover{background:#FFC44D;color:#0A1238}
.qfc-legal{margin:0;font-size:14px;line-height:1.6;color:#3D4670;max-width:900px}
#qf-done:focus{outline:none}

/* ===== Product pages ===== */
.qf *{box-sizing:border-box}
.qf-c{max-width:1200px;margin:0 auto}
.qf-header{background:#071A5C;padding:20px clamp(20px,5vw,80px)}
.qf-header .qf-c{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px 32px}
.qf-logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;font-size:26px;font-weight:700;letter-spacing:-.03em}
.qf-logo:hover{color:#fff}
.qf-nav{display:flex;flex-wrap:wrap;align-items:center;gap:8px 28px}
.qf-nav a{color:#D6DDFB;text-decoration:none;font-size:16px;font-weight:500;padding:12px 0}
.qf-nav a:hover{color:#fff}
.qf-btn,.qf-nav a.qf-btn{display:inline-flex;align-items:center;gap:10px;min-height:44px;padding:0 22px;background:#FFB627;color:#0A1238;font-weight:700;font-size:16px;text-decoration:none;border-radius:4px}
.qf-btn:hover{background:#FFC44D;color:#0A1238}
.qf-btn-lg{min-height:60px;padding:0 34px;font-size:19px}
.qf-btn-blue,.qf-btn-blue:hover{background:#1232B8;color:#fff}
.qf-crumb{background:#071A5C;padding:8px clamp(20px,5vw,80px) 0;font-size:14px;color:#C5CEF5}
.qf-crumb a{color:#C5CEF5}
.qf-crumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.qf-crumb li+li:before{content:"/";margin-right:8px;color:#7F96F5}
.qf-hero{background:#071A5C;padding:40px clamp(20px,5vw,80px) 88px}
.qf-hero .qf-c{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(460px,100%),1fr));gap:56px;align-items:center}
.qf-hero-l{display:flex;flex-direction:column;gap:26px}
.qf-eyebrow{font-size:14px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#1232B8}
.qf-hero .qf-eyebrow{color:#FFB627}
.qf-h1{margin:0;font-size:clamp(40px,5.4vw,72px);line-height:1;letter-spacing:-.04em;font-weight:800;color:#fff;text-wrap:balance}
.qf-h1 em,.qf-h2 em{font-family:'Instrument Serif',Georgia,serif;font-style:italic;font-weight:400;letter-spacing:-.01em}
.qf-h1 em{color:#FFB627}.qf-h2 em{color:#1232B8}
.qf-hero p{margin:0;font-size:21px;line-height:1.5;color:#D6DDFB;max-width:560px;text-wrap:pretty}
.qf-cta-row{display:flex;flex-wrap:wrap;align-items:center;gap:16px 24px}
.qf-cta-row a.qf-link{color:#fff;font-size:17px;font-weight:600;padding:12px 0}
.qf-illus{background:#0C2478;border:1px solid #2A46B8;border-radius:6px;padding:28px;display:flex;flex-direction:column;gap:20px}
.qf-facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(130px,100%),1fr));gap:12px}
.qf-facts div{background:#071A5C;border-radius:4px;padding:14px 16px;display:flex;flex-direction:column;gap:4px}
.qf-facts b{font-size:26px;font-weight:800;letter-spacing:-.03em;color:#fff}
.qf-facts span{font-size:14px;color:#C5CEF5}
.qf-sec{padding:96px clamp(20px,5vw,80px)}
.qf-sec-white{background:#fff;border-top:1px solid #D9DEEF;border-bottom:1px solid #D9DEEF}
.qf-sec-navy{background:#071A5C;color:#fff}
.qf-stack{display:flex;flex-direction:column;gap:48px}
.qf-head{display:flex;flex-direction:column;gap:16px;max-width:780px}
.qf-h2{margin:0;font-size:clamp(32px,4vw,52px);line-height:1.04;letter-spacing:-.035em;font-weight:800;text-wrap:balance}
.qf-sec-navy .qf-h2 em,.qf-sec-navy .qf-eyebrow{color:#FFB627}
.qf-prose{display:flex;flex-direction:column;gap:18px;max-width:780px}
.qf-prose p{margin:0;font-size:19px;line-height:1.6;color:#3D4670;text-wrap:pretty}
.qf-answer{margin:0;font-size:22px;line-height:1.5;color:#0A1238;font-weight:500;max-width:860px;text-wrap:pretty}
.qf-grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(420px,100%),1fr));gap:40px 56px;align-items:start}
.qf-grid4{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(250px,100%),1fr));gap:20px}
.qf-card{background:#fff;border:1px solid #D9DEEF;border-radius:6px;padding:30px;display:flex;flex-direction:column;gap:12px}
.qf-sec-white .qf-card{background:#F5F6FA}
.qf-card h3{margin:0;font-size:22px;letter-spacing:-.02em;font-weight:700}
.qf-card p{margin:0;font-size:16px;line-height:1.55;color:#3D4670}
.qf-card .qf-big{font-family:'Instrument Serif',Georgia,serif;font-size:44px;line-height:1;color:#1232B8}
.qf-ticks{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:14px}
.qf-ticks li{display:flex;gap:12px;font-size:18px;line-height:1.45}
.qf-ticks svg{flex-shrink:0;margin-top:3px}
.qf-ex{margin:0;background:#0C2478;border:1px solid #2A46B8;border-radius:6px;padding:8px 32px}
.qf-ex div{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:18px 0;border-bottom:1px solid #2A46B8}
.qf-ex div:last-child{border-bottom:0}
.qf-ex dt{font-size:17px;color:#C5CEF5}
.qf-ex dd{margin:0;font-size:19px;font-weight:700;text-align:right}
.qf-sec-navy p{margin:0;font-size:19px;line-height:1.55;color:#D6DDFB;text-wrap:pretty}
.qf-sec-navy p.qf-small{font-size:15px;color:#C5CEF5}
.qf-faq{display:flex;flex-direction:column}
.qf-faq div{padding:26px 0;border-top:1px solid #C3CAE3;display:flex;flex-direction:column;gap:10px}
.qf-faq div:last-child{border-bottom:1px solid #C3CAE3}
.qf-faq h3{margin:0;font-size:22px;letter-spacing:-.02em;font-weight:700}
.qf-faq p{margin:0;font-size:17px;line-height:1.6;color:#3D4670}
a.qf-rel{text-decoration:none;color:#0A1238;transition:border-color .15s}
a.qf-rel:hover{border-color:#1232B8;color:#0A1238}
a.qf-rel span{margin-top:auto;font-size:16px;font-weight:700;color:#1232B8}
.qf-footlinks{display:flex;flex-direction:column;gap:14px}
.qf-footlinks ul{margin:0;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:10px 28px}
.qf-footlinks a{color:#fff;font-size:16px}
.qf-footlinks span{font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#C5CEF5}