*,*:before,*:after{margin:0;padding:0;box-sizing:border-box}:root{--navy: #1B2A4A;--navy-light: #243658;--navy-dark: #111d33;--orange: #C75B12;--orange-light: #d9762e;--gold: #D4952B;--cream: #E8E6E2;--offwhite: #F2F0EC;--midgray: #6B7280;--slate: #1F2937;--teal: #005984;--surface: #E8E4DF;--surface-light: #f0ede9;--surface-dark: #d4d0cb;--shadow-raised: 8px 8px 20px rgba(166,162,155,.45), -8px -8px 20px rgba(255,255,255,.8);--shadow-raised-sm: 4px 4px 10px rgba(166,162,155,.4), -4px -4px 10px rgba(255,255,255,.7);--shadow-inset: inset 4px 4px 10px rgba(166,162,155,.4), inset -4px -4px 10px rgba(255,255,255,.7);--shadow-raised-hover: 10px 10px 25px rgba(166,162,155,.5), -10px -10px 25px rgba(255,255,255,.85);--ease-out-expo: cubic-bezier(.16, 1, .3, 1);--ease-out-quart: cubic-bezier(.25, 1, .5, 1);--section-pad: clamp(80px, 10vw, 140px)}html{scroll-behavior:smooth;font-size:16px;overflow-x:hidden}body{font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif;background:var(--surface);color:var(--slate);line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased}.baumans{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif}img{max-width:100%;height:auto}a{color:var(--orange)}@keyframes fadeInUp{0%{opacity:0;transform:translateY(50px)}to{opacity:1;transform:translateY(0)}}@keyframes shimmer{0%{background-position:-200% 0}to{background-position:200% 0}}.reveal{opacity:0;transform:translateY(40px);transition:opacity .9s var(--ease-out-expo),transform .9s var(--ease-out-expo)}.reveal.visible{opacity:1;transform:translateY(0)}.stagger-1{transition-delay:.1s}.stagger-2{transition-delay:.2s}.stagger-3{transition-delay:.3s}.stagger-4{transition-delay:.4s}.stagger-5{transition-delay:.5s}.stagger-6{transition-delay:.6s}.shimmer-text{background:linear-gradient(90deg,var(--orange) 0%,var(--gold) 50%,var(--orange) 100%);background-size:200% auto;-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;animation:shimmer 3s linear infinite}.nav{position:fixed;top:0;left:0;right:0;z-index:1000;padding:24px 40px;display:flex;align-items:center;justify-content:space-between;transition:all .5s var(--ease-out-quart);background:transparent}.nav.scrolled{padding:12px 40px;background:#e8e4dfd9;backdrop-filter:blur(20px) saturate(180%);-webkit-backdrop-filter:blur(20px) saturate(180%);box-shadow:0 1px 30px #1b2a4a14}.nav-logo img{height:120px;transition:all .5s var(--ease-out-quart);filter:brightness(0) invert(1)}.nav.scrolled .nav-logo img{height:38px;filter:none}.nav-links{display:flex;align-items:center;gap:6px;list-style:none}.nav-links a{color:#fff;text-decoration:none;font-size:.875rem;font-weight:500;padding:8px 16px;border-radius:12px;transition:all .3s ease;letter-spacing:.01em}.nav-links a:hover{background:#ffffff1f}.nav.scrolled .nav-links a{color:var(--navy)}.nav.scrolled .nav-links a:hover{background:#1b2a4a0f;box-shadow:var(--shadow-raised-sm)}.nav-links a.current{background:#ffffff1f}.nav.scrolled .nav-links a.current{background:#1b2a4a0f;box-shadow:var(--shadow-raised-sm)}.nav-cta{background:var(--orange)!important;color:#fff!important;padding:10px 24px!important;border-radius:14px!important;font-weight:600!important;box-shadow:0 4px 15px #c75b124d!important;transition:all .3s ease!important}.nav.scrolled .nav-cta{background:var(--navy)!important;box-shadow:var(--shadow-raised-sm)!important}.nav-cta:hover{background:var(--gold)!important;transform:translateY(-2px);box-shadow:0 8px 25px #d4952b66!important}.nav.scrolled .nav-cta:hover{background:var(--orange)!important;box-shadow:0 8px 25px #c75b124d!important}.nav-toggle{display:none;flex-direction:column;gap:5px;cursor:pointer;z-index:1001;padding:8px}.nav-toggle span{width:24px;height:2px;background:#fff;border-radius:2px;transition:all .3s ease}.nav.scrolled .nav-toggle span{background:var(--navy)}.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}.nav-toggle.active span:nth-child(2){opacity:0}.nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}.btn-neu{display:inline-flex;align-items:center;gap:10px;padding:16px 36px;border-radius:18px;font-size:.95rem;font-weight:600;text-decoration:none;cursor:pointer;border:none;transition:all .35s var(--ease-out-quart)}.btn-primary{background:var(--navy);color:#fff;box-shadow:6px 6px 16px #1b2a4a59,-3px -3px 10px #ffffff9e}.btn-primary:hover{background:var(--orange);transform:translateY(-3px);box-shadow:0 12px 30px #c75b1259}.btn-secondary{background:var(--surface);color:var(--navy);box-shadow:var(--shadow-raised)}.btn-secondary:hover{transform:translateY(-3px);box-shadow:var(--shadow-raised-hover)}.btn-glow{background:linear-gradient(135deg,var(--orange),var(--gold));color:#fff;padding:18px 40px;border-radius:18px;font-size:1rem;font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:10px;box-shadow:0 8px 30px #c75b1266;transition:all .35s ease;border:none;cursor:pointer}.btn-glow:hover{transform:translateY(-3px) scale(1.02);box-shadow:0 12px 40px #c75b1280}.btn-icon{width:20px;height:20px;transition:transform .3s ease}.btn-primary:hover .btn-icon,.btn-glow:hover .btn-icon{transform:translate(4px)}.section{padding:var(--section-pad) 40px;position:relative}.section-inner{max-width:1280px;margin:0 auto}.section-header{text-align:center;margin-bottom:64px}.section-label{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.8rem;letter-spacing:.15em;text-transform:uppercase;color:var(--orange);margin-bottom:16px;display:flex;align-items:center;justify-content:center;gap:12px}.section-label:before,.section-label:after{content:"";width:24px;height:1px;background:var(--orange)}.section-title{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:clamp(2rem,4vw,3rem);color:var(--navy);line-height:1.15;margin-bottom:16px}.section-desc{font-size:1.05rem;color:var(--midgray);max-width:560px;margin:0 auto;line-height:1.65}.footer{background:var(--slate);padding:80px 40px 40px;color:#ffffffb3}.footer-grid{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:40px;padding-bottom:60px;border-bottom:1px solid rgba(255,255,255,.08)}.footer-brand img{height:44px;margin-bottom:16px}.footer-brand p{font-size:.85rem;line-height:1.6;max-width:280px;color:#ffffff9e}.footer-col h4,.footer-col .footer-h{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.9rem;color:#fff;margin-bottom:16px}.footer-col ul{list-style:none}.footer-col li{margin-bottom:10px}.footer-col a{color:#ffffff9e;text-decoration:none;font-size:.85rem;transition:color .3s ease}.footer-col a:hover{color:var(--gold)}.footer-contact-item{display:flex;align-items:center;gap:10px;margin-bottom:12px;font-size:.85rem}.footer-contact-item svg{width:16px;height:16px;fill:var(--gold);flex-shrink:0}.footer-bottom{max-width:1280px;margin:0 auto;padding-top:30px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:20px}.footer-bottom p{font-size:.75rem;color:#ffffff59}.footer-bottom a{color:#ffffff73;text-decoration:none}.footer-badges{display:flex;align-items:center;gap:20px}.footer-badges img{height:32px;opacity:.6}.footer-social{display:flex;gap:10px}.footer-social a{width:38px;height:38px;border-radius:12px;background:#ffffff0f;display:flex;align-items:center;justify-content:center;transition:all .3s ease}.footer-social a:hover{background:var(--orange);transform:translateY(-2px)}.footer-social svg{width:18px;height:18px;fill:#fff9}.footer-social a:hover svg{fill:#fff}@media(max-width:1024px){.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:768px){.nav{padding:16px 20px}.nav.scrolled{padding:12px 20px}.nav-links{display:none;position:fixed;inset:0;background:#e8e4dffa;backdrop-filter:blur(20px);flex-direction:column;align-items:center;justify-content:center;gap:12px}.nav-links.open,.nav-toggle{display:flex}.nav-links.open a{color:var(--navy)!important}.nav-links.open a:hover{background:#1b2a4a0f}.section{padding:60px 20px}.section-header{margin-bottom:40px}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column;text-align:center}}.chk-cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}.chk-card{background:var(--surface);border-radius:28px;box-shadow:var(--shadow-raised);padding:36px 32px;display:flex;flex-direction:column;position:relative;transition:transform .3s var(--ease-out-quart),box-shadow .3s var(--ease-out-quart)}.chk-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-raised-hover)}.chk-card--featured{background:var(--navy);box-shadow:8px 8px 24px #1b2a4a66,-4px -4px 16px #ffffff14}.chk-card--featured:hover{box-shadow:12px 12px 32px #1b2a4a80,-4px -4px 16px #ffffff14}.chk-badge{position:absolute;top:-14px;left:50%;transform:translate(-50%);background:linear-gradient(135deg,var(--orange),var(--gold));color:#fff;font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:6px 18px;border-radius:20px;white-space:nowrap;box-shadow:0 4px 12px #c75b1259}.chk-card-icon{width:56px;height:56px;border-radius:16px;display:flex;align-items:center;justify-content:center;margin-bottom:20px}.chk-card-icon svg{width:28px;height:28px;fill:#fff}.chk-card-icon.orange{background:linear-gradient(135deg,var(--orange),var(--gold))}.chk-card-icon.teal{background:linear-gradient(135deg,var(--teal),#007db3)}.chk-card-icon.navy{background:linear-gradient(135deg,var(--navy),var(--navy-light))}.chk-card-name{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:1.2rem;color:var(--navy);margin-bottom:4px}.chk-card--featured .chk-card-name{color:#fff}.chk-card-tagline{font-size:.85rem;color:var(--midgray);margin-bottom:20px}.chk-card--featured .chk-card-tagline{color:#ffffff8c}.chk-apy-block{background:var(--surface-light);box-shadow:var(--shadow-inset);border-radius:16px;padding:20px;margin-bottom:20px;text-align:center}.chk-card--featured .chk-apy-block{background:#ffffff12;box-shadow:inset 2px 2px 8px #0003,inset -2px -2px 8px #ffffff0d}.chk-apy-num{display:block;font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:2.8rem;line-height:1;color:var(--orange);margin-bottom:4px}.chk-card--featured .chk-apy-num{color:var(--gold)}.chk-apy-label{font-size:.8rem;color:var(--midgray)}.chk-card--featured .chk-apy-label{color:#ffffff8c}.chk-card-fee{font-size:.82rem;font-weight:600;color:var(--teal);margin-bottom:16px;display:flex;align-items:center;gap:6px}.chk-card-fee:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--teal);flex-shrink:0}.chk-card--featured .chk-card-fee{color:var(--gold)}.chk-card--featured .chk-card-fee:before{background:var(--gold)}.chk-card-features{list-style:none;margin:0 0 24px;flex:1}.chk-card-features li{font-size:.88rem;color:var(--slate);line-height:1.5;padding:9px 0;border-bottom:1px solid rgba(0,0,0,.05);display:flex;align-items:flex-start;gap:10px}.chk-card-features li:last-child{border-bottom:none}.chk-card--featured .chk-card-features li{color:#ffffffc7;border-bottom-color:#ffffff14}.chk-card-features li svg{width:16px;height:16px;fill:var(--orange);flex-shrink:0;margin-top:2px}.chk-card--featured .chk-card-features li svg{fill:var(--gold)}.chk-card .btn-neu{width:100%;justify-content:center;margin-top:auto}.chk-card--featured .btn-neu{background:linear-gradient(135deg,var(--orange),var(--gold));color:#fff;box-shadow:0 6px 20px #c75b1259}.chk-card--featured .btn-neu:hover{transform:translateY(-3px);box-shadow:0 10px 30px #c75b1273}.chk-rates-wrap{background:var(--surface);border-radius:28px;box-shadow:var(--shadow-raised);overflow:hidden}.chk-rates-effective{font-size:.8rem;color:var(--midgray);text-align:right;padding:14px 24px 0}.chk-rates-effective a{color:var(--orange);font-weight:600;text-decoration:none}.chk-rates-table{width:100%;border-collapse:collapse}.chk-rates-table th{background:var(--navy);color:#fff;font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.88rem;letter-spacing:.04em;padding:18px 24px;text-align:left}.chk-rates-table th:not(:first-child){text-align:center}.chk-rates-table th.featured{background:var(--orange)}.chk-rates-table td{padding:14px 24px;font-size:.9rem;border-bottom:1px solid rgba(0,0,0,.06);color:var(--slate)}.chk-rates-table td:not(:first-child){text-align:center;font-weight:600}.chk-rates-table tr:last-child td{border-bottom:none}.chk-rates-table tr:nth-child(2n) td{background:#00000005}.chk-rate-hi{color:var(--orange)!important;font-size:1.02rem!important}.chk-rates-note{font-size:.76rem;color:var(--midgray);padding:16px 24px;border-top:1px solid rgba(0,0,0,.06);line-height:1.6}.chk-rates-note a{color:var(--orange);font-weight:600;text-decoration:none}.chk-benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.chk-benefit{background:var(--surface);border-radius:20px;box-shadow:var(--shadow-raised-sm);padding:28px 24px;transition:transform .3s var(--ease-out-quart),box-shadow .3s ease}.chk-benefit:hover{transform:translateY(-4px);box-shadow:var(--shadow-raised)}.chk-benefit-icon{width:48px;height:48px;background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:16px}.chk-benefit-icon svg{width:24px;height:24px;fill:#fff}.chk-benefit h4{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:1rem;color:var(--navy);margin-bottom:8px}.chk-benefit p{font-size:.87rem;color:var(--midgray);line-height:1.6;margin:0}.chk-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.chk-step{text-align:center;position:relative}.chk-step:not(:last-child):after{content:"";position:absolute;top:36px;right:-16px;width:32px;height:2px;background:linear-gradient(to right,var(--orange),var(--gold));opacity:.4}.chk-step-num{width:72px;height:72px;background:linear-gradient(135deg,var(--orange),var(--gold));border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:1.6rem;color:#fff;margin:0 auto 20px;box-shadow:0 8px 24px #c75b124d}.chk-step h4{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:1.05rem;color:var(--navy);margin-bottom:10px}.chk-step p{font-size:.88rem;color:var(--midgray);line-height:1.6}.chk-testimonial{background:var(--navy);border-radius:28px;box-shadow:8px 8px 24px #1b2a4a4d;padding:48px;max-width:720px;margin:0 auto;text-align:center;position:relative}.chk-testimonial:before{content:"\201c";font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:8rem;line-height:.6;color:#c75b1240;position:absolute;top:32px;left:40px}.chk-testimonial p{font-size:1.12rem;color:#ffffffd9;line-height:1.7;margin-bottom:24px;position:relative;z-index:1;font-style:italic}.chk-testimonial-author{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.85rem;color:var(--gold);letter-spacing:.08em;text-transform:uppercase}.chk-faq{max-width:780px;margin:0 auto}.faq-item{background:var(--surface);border-radius:16px;box-shadow:var(--shadow-raised-sm);margin-bottom:12px;overflow:hidden}.faq-question{width:100%;background:none;border:none;padding:22px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;text-align:left;font-family:Inter,sans-serif;font-size:.97rem;font-weight:600;color:var(--navy);transition:color .2s ease}.faq-question:hover{color:var(--orange)}.faq-question svg{width:20px;height:20px;fill:var(--midgray);flex-shrink:0;transition:transform .3s ease}.faq-item.open .faq-question svg{transform:rotate(180deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease}.faq-answer-inner{padding:0 24px 20px;font-size:.9rem;color:var(--midgray);line-height:1.7}.faq-answer-inner ul{margin:10px 0 0 18px}.faq-answer-inner li{margin-bottom:6px}.faq-answer-inner a{color:var(--orange);font-weight:600;text-decoration:none}.faq-item.open .faq-answer{max-height:600px}.chk-disclosures{background:var(--surface-dark);padding:clamp(40px,5vw,60px) 40px}.chk-disclosures-inner{max-width:1080px;margin:0 auto}.chk-disclosures h4{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.82rem;color:var(--navy);margin-bottom:14px;letter-spacing:.08em;text-transform:uppercase}.chk-disclosures p{font-size:.74rem;color:var(--midgray);line-height:1.65;margin-bottom:10px}.hero{min-height:88vh;display:flex;position:relative;overflow:hidden;background:var(--navy)}.hero-left{flex:0 0 48%;background:var(--navy);padding:160px 60px 80px;display:flex;flex-direction:column;justify-content:center;position:relative;z-index:2}.hero-est{display:inline-flex;align-items:center;gap:12px;margin-bottom:32px;opacity:0;animation:fadeInUp .8s var(--ease-out-expo) .3s forwards}.hero-est-badge{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:.8rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:#fff;background:#c75b1226;border:1px solid rgba(199,91,18,.3);padding:8px 20px;border-radius:24px;display:inline-flex;align-items:center;gap:8px}.hero-est-dot{width:8px;height:8px;border-radius:50%;background:linear-gradient(135deg,var(--orange),var(--gold))}.hero-title{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:clamp(2.6rem,5vw,4rem);line-height:1.08;color:#fff;margin-bottom:24px;max-width:600px;opacity:0;animation:fadeInUp .8s var(--ease-out-expo) .5s forwards}.hero-subtitle{font-size:1.1rem;line-height:1.7;color:#fff9;margin-bottom:40px;max-width:480px;opacity:0;animation:fadeInUp .8s var(--ease-out-expo) .7s forwards}.hero-actions{display:flex;gap:16px;flex-wrap:wrap;opacity:0;animation:fadeInUp .8s var(--ease-out-expo) .9s forwards}.hero-right{flex:1;position:relative;overflow:hidden}.hero-right img{width:100%;height:100%;object-fit:cover;object-position:center 30%}.hero-right:after{content:"";position:absolute;inset:0;background:linear-gradient(to right,rgba(27,42,74,.18),transparent 40%);z-index:1}.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;opacity:0;transition:opacity 1.2s ease}.hero-video.playing{opacity:1}@media(max-width:1024px),(prefers-reduced-motion:reduce){.hero-video{display:none}}@media(max-width:1024px){.hero{flex-direction:column}.hero-left{flex:0 0 auto;min-height:55vh;padding:120px 40px 60px}.hero-right{flex:0 0 40vh}}@media(max-width:768px){.hero-left{padding:100px 20px 40px;min-height:50vh}.hero-right{flex:0 0 32vh}.hero-actions{flex-direction:column;align-items:stretch;text-align:center}}.content-cta{text-align:center;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);position:relative;overflow:hidden;padding:clamp(60px,8vw,96px) 40px}.content-cta:before{content:"";position:absolute;width:760px;height:760px;background:radial-gradient(circle,rgba(199,91,18,.13),transparent 65%);top:-380px;left:50%;transform:translate(-50%)}.content-cta__inner{position:relative;z-index:2;max-width:640px;margin:0 auto}.content-cta h2{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:clamp(1.8rem,3.6vw,2.6rem);color:#fff;margin-bottom:14px;line-height:1.15}.content-cta p{color:#ffffff9e;font-size:1.02rem;margin-bottom:28px;line-height:1.6}.related{padding:clamp(40px,6vw,70px) 40px}.related__inner{max-width:1080px;margin:0 auto}.related h2{font-family:futura-pt,Futura PT,Futura,Baumans,sans-serif;font-size:1.4rem;color:var(--navy);margin-bottom:22px}.related__grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px}.related__grid a{display:flex;align-items:center;justify-content:space-between;gap:10px;background:var(--surface);border-radius:14px;box-shadow:var(--shadow-raised-sm);padding:18px 22px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.92rem;transition:transform .3s,box-shadow .3s}.related__grid a:hover{transform:translateY(-3px);box-shadow:var(--shadow-raised)}.related__grid a span{color:var(--orange)}@media(max-width:1024px){.chk-cards-grid{grid-template-columns:repeat(2,1fr)}.chk-cards-grid .chk-card--featured{grid-column:1 / -1;max-width:480px;margin:0 auto;width:100%}.chk-benefits-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:768px){.chk-cards-grid,.chk-steps{grid-template-columns:1fr}.chk-cards-grid .chk-card--featured{grid-column:auto;max-width:none}.chk-step:not(:last-child):after{display:none}.chk-benefits-grid{grid-template-columns:1fr}.chk-rates-table{font-size:.82rem}.chk-rates-table th,.chk-rates-table td{padding:12px 14px}.chk-disclosures,.related{padding:40px 20px}.content-cta{padding:60px 20px}.chk-testimonial{padding:36px 28px}}
