:root{--ink:#102a2a;--muted:#5d7070;--line:#dce7e4;--soft:#f3f8f7;--soft2:#e9f3f1;--brand:#0a6c62;--brand2:#e65f3b;--white:#fff;--max:1160px;--shadow:0 16px 48px rgba(16,42,42,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.topbar{font-size:.86rem;background:#0d2f2d;color:#d9eeee}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0}.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-weight:850;font-size:1.2rem;letter-spacing:-.03em;color:var(--ink)}.brand span{color:var(--brand2)}.nav-links{display:flex;align-items:center;gap:22px;font-weight:650}.nav-links a:not(.btn){color:var(--ink)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border-radius:12px;font-weight:800;border:1px solid transparent;transition:.2s}.btn:hover{text-decoration:none;transform:translateY(-1px)}.btn-primary{background:var(--brand);color:#fff;box-shadow:0 8px 24px rgba(10,108,98,.18)}.btn-secondary{border-color:var(--line);background:#fff;color:var(--ink)}.mobile-toggle{display:none}.hero{padding:80px 0 62px;background:linear-gradient(135deg,#f7fbfa 0%,#e9f5f2 70%,#fff4ef 100%)}.hero-grid{display:grid;grid-template-columns:1.35fr .8fr;gap:56px;align-items:center}.eyebrow{display:inline-block;font-size:.82rem;font-weight:850;text-transform:uppercase;letter-spacing:.09em;color:var(--brand);margin-bottom:12px}.hero h1,.page-hero h1{font-size:clamp(2.35rem,5vw,4.4rem);line-height:1.02;letter-spacing:-.055em;margin:0 0 20px;max-width:930px}.hero p{font-size:1.13rem;max-width:760px;color:#405757}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 12px}.trust-card,.card,.notice,.faq details{background:#fff;border:1px solid var(--line);border-radius:18px}.trust-card{padding:28px;box-shadow:var(--shadow)}.trust-card h3{margin-top:0}.mini-list{display:grid;gap:17px}.mini-item{display:flex;gap:12px;align-items:flex-start}.dot{width:10px;height:10px;background:var(--brand2);border-radius:50%;margin-top:8px;flex:0 0 10px}.section{padding:68px 0}.section.alt{background:var(--soft)}.section h2{font-size:clamp(1.8rem,3.5vw,2.65rem);line-height:1.12;letter-spacing:-.035em;margin:0 0 15px}.section-intro{color:var(--muted);font-size:1.05rem;max-width:780px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}.card{padding:26px}.card h3{font-size:1.35rem;margin:.4rem 0}.tag{display:inline-block;padding:5px 9px;border-radius:999px;background:var(--soft2);font-size:.78rem;font-weight:850;color:var(--brand)}.split{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:start}.checklist{display:grid;gap:12px;margin-top:22px}.check{padding-left:29px;position:relative}.check:before{content:'✓';position:absolute;left:0;top:0;color:var(--brand);font-weight:900}.notice{padding:22px;background:#fffaf7;border-color:#f3d6ca}.cta{padding:40px;border-radius:22px;background:#103f3b;color:#fff}.cta h2{color:#fff}.cta p{color:#d7e7e4}.page-hero{padding:58px 0 42px;background:linear-gradient(135deg,#f6fbfa,#eef7f5)}.page-hero h1{font-size:clamp(2rem,4.2vw,3.35rem)}.content{max-width:880px}.content h2{margin-top:42px}.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:18px}.disclosure{font-size:.86rem;color:var(--muted)}.quick-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0}.quick{padding:18px;border:1px solid var(--line);border-radius:14px;background:#fff}.quick strong{display:block;margin-bottom:3px}.faq{margin-top:28px}.faq details{padding:0 18px;margin:12px 0}.faq summary{cursor:pointer;padding:18px 0;font-weight:800}.faq details p{margin-top:0;color:var(--muted)}.source-note{margin-top:46px;padding-top:18px;border-top:1px solid var(--line);font-size:.88rem;color:var(--muted)}.footer{padding:50px 0 22px;background:#0d2f2d;color:#d7e7e4}.footer a{color:#e5f5f1}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}.footer h4{color:#fff;margin-top:0}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:20px}.pillbar{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0}.pill{padding:7px 11px;background:var(--soft);border-radius:999px;font-weight:700;font-size:.86rem}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px}.warning{padding:18px 20px;border-left:4px solid var(--brand2);background:#fff7f4;border-radius:0 12px 12px 0}.article-list{display:grid;gap:16px;margin-top:24px}.article-link{display:block;padding:20px;border:1px solid var(--line);border-radius:14px;color:var(--ink)}.article-link strong{display:block;margin-bottom:4px}.article-link span{color:var(--muted);font-size:.92rem}
@media(max-width:900px){.hero-grid,.split,.cards,.footer-grid,.two-col{grid-template-columns:1fr}.nav-links{display:none;position:absolute;left:20px;right:20px;top:76px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.mobile-toggle{display:inline-flex}.topbar .container{display:block}.hero{padding-top:52px}.quick-grid{grid-template-columns:1fr}}
/* v3 conversion + visual refinement */
.brand{display:inline-flex;align-items:center;gap:10px}.brand img{width:38px;height:38px}.brand-copy{display:flex;align-items:baseline;gap:5px;font-size:1.15rem;letter-spacing:-.035em}.brand-copy b{color:var(--brand2)}.brand-copy small{font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:800}.footer-brand .brand-copy small{color:#aebebb}.hero{padding:86px 0 70px;background:radial-gradient(circle at 85% 15%,rgba(230,95,59,.11),transparent 23%),linear-gradient(135deg,#f7fbfa 0%,#e9f5f2 62%,#fff8f5 100%)}.hero-lead{font-size:1.16rem!important}.btn-lg{min-height:52px;padding:0 22px;border-radius:14px}.hero-proof{display:flex;flex-wrap:wrap;gap:10px 18px;margin:22px 0 10px;font-weight:750;font-size:.91rem;color:#36524f}.finder-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:20px;box-shadow:var(--shadow)}.finder-head{display:flex;gap:12px;align-items:flex-start;padding:6px 4px 15px}.finder-head h3{margin:1px 0 0;font-size:1.25rem}.finder-icon{width:38px;height:38px;border-radius:11px;background:var(--soft2);display:grid;place-items:center;font-size:1.3rem;color:var(--brand);font-weight:900}.finder-row{display:grid;grid-template-columns:46px 1fr auto;align-items:center;gap:13px;padding:14px 12px;border-top:1px solid var(--line);color:var(--ink)}.finder-row:hover{background:var(--soft);text-decoration:none;border-radius:12px}.finder-row small{display:block;color:var(--muted);margin-top:1px}.visa-no{width:42px;height:42px;border-radius:12px;background:#103f3b;color:#fff;display:grid;place-items:center;font-weight:900}.signal-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.signal-grid{display:grid;grid-template-columns:repeat(4,1fr)}.signal-grid>div{padding:20px 22px;border-right:1px solid var(--line)}.signal-grid>div:last-child{border-right:0}.signal-grid strong{display:block;font-size:1rem}.signal-grid span{display:block;color:var(--muted);font-size:.88rem}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:30px}.section-heading>p{max-width:560px;color:var(--muted);margin:0}.product-cards{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:30px}.product-card{border:1px solid var(--line);border-radius:22px;background:#fff;padding:30px;position:relative;overflow:hidden}.product-card.featured:after{content:"";position:absolute;right:-50px;top:-50px;width:160px;height:160px;border-radius:50%;background:var(--soft2);z-index:0}.product-card>*{position:relative;z-index:1}.product-top{display:flex;justify-content:space-between;align-items:center}.icon-badge{width:46px;height:46px;border-radius:14px;background:#103f3b;color:#fff;display:grid;place-items:center;font-weight:900}.product-card h3{font-size:1.6rem;margin:18px 0 8px}.clean-list{list-style:none;padding:0;margin:20px 0 24px;display:grid;gap:9px}.clean-list li{padding-left:25px;position:relative}.clean-list li:before{content:'✓';position:absolute;left:0;color:var(--brand);font-weight:900}.product-actions{display:flex;align-items:center;gap:16px;flex-wrap:wrap}.text-link{font-weight:800}.editorial-card{padding:30px;border:1px solid #f1d3c8;border-radius:22px;background:linear-gradient(145deg,#fffaf7,#fff)}.editorial-label{display:inline-block;padding:6px 10px;border-radius:999px;background:#ffece5;color:#9b4029;font-size:.76rem;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.editorial-card h3{font-size:1.55rem;line-height:1.18;margin:16px 0 10px}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}.guide-card{display:block;color:var(--ink);padding:26px;border:1px solid var(--line);border-radius:18px;background:#fff;transition:.2s}.guide-card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:0 12px 36px rgba(16,42,42,.08)}.guide-card h3{font-size:1.25rem;line-height:1.25;margin:8px 0}.guide-card p{color:var(--muted)}.guide-card>span:last-child{color:var(--brand);font-weight:850}.guide-kicker{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--brand);font-weight:900}.faq-home{background:#fbfdfc}.faq-home .faq{max-width:900px}.faq-home .faq details{box-shadow:0 6px 22px rgba(16,42,42,.03)}.final-cta{padding-top:26px}.cta-grid{display:grid;grid-template-columns:1.35fr .65fr;align-items:center;gap:30px}.cta-grid h2{font-size:clamp(1.8rem,3vw,2.55rem);margin:7px 0}.light{color:#aee0d9}.cta-action{text-align:right}.btn-white{background:#fff;color:#103f3b}.cta-action small{display:block;margin-top:9px;color:#cfe3df}.footer-brand{color:#fff!important;margin-bottom:15px}.footer-brand .brand-copy{color:#fff}
@media(max-width:900px){.signal-grid{grid-template-columns:1fr 1fr}.signal-grid>div:nth-child(2){border-right:0}.signal-grid>div:nth-child(-n+2){border-bottom:1px solid var(--line)}.product-cards,.guide-grid,.cta-grid{grid-template-columns:1fr}.section-heading{display:block}.section-heading>p{margin-top:10px}.cta-action{text-align:left}.hero-proof{display:grid}.finder-card{margin-top:6px}}
@media(max-width:560px){.signal-grid{grid-template-columns:1fr}.signal-grid>div{border-right:0;border-bottom:1px solid var(--line)!important}.signal-grid>div:last-child{border-bottom:0!important}.brand-copy small{display:none}.hero h1{font-size:2.55rem}.product-card,.guide-card{padding:22px}.container{width:min(var(--max),calc(100% - 28px))}}
/* v4 deep SEO article pages */
.content-wide{max-width:1120px}.deep-hero .page-lead{font-size:1.12rem;max-width:850px;color:#405757}.section.compact{padding:28px 0;border-bottom:1px solid var(--line)}.fact-grid{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}.fact{padding:18px 20px;border-right:1px solid var(--line)}.fact:last-child{border-right:0}.fact span,.fact small{display:block}.fact span{font-size:.74rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);font-weight:850}.fact strong{display:block;font-size:1.1rem;margin:4px 0}.fact small{color:var(--muted)}.article-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:54px;align-items:start}.toc{position:sticky;top:98px;border:1px solid var(--line);border-radius:16px;background:#fff;padding:18px;display:grid;gap:8px;font-size:.9rem}.toc strong{margin-bottom:5px}.toc a{color:#47605e;padding:5px 0}.article-body{max-width:820px}.article-body>h2{scroll-margin-top:105px;font-size:clamp(1.55rem,2.8vw,2.15rem);margin-top:48px}.article-body>h2:first-child{margin-top:0}.article-body p{line-height:1.72}.info-card,.source-callout{padding:20px 22px;border-radius:15px;margin:24px 0}.info-card{background:var(--soft);border:1px solid #dbeae6}.source-callout{background:#fff8f4;border:1px solid #f1d7cc}.info-card p,.source-callout p{margin-bottom:0}.benefit-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:24px 0}.benefit{display:flex;gap:14px;border:1px solid var(--line);border-radius:15px;padding:18px;background:#fff}.benefit-icon{width:42px;height:42px;flex:0 0 42px;border-radius:12px;background:#103f3b;color:#fff;display:grid;place-items:center;font-size:.78rem;font-weight:900}.benefit p{margin:4px 0 0;color:var(--muted);font-size:.93rem;line-height:1.55}.three-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:22px 0}.mini-card{border:1px solid var(--line);border-radius:15px;padding:18px;background:#fff}.mini-card p{margin:5px 0 0;color:var(--muted);font-size:.93rem}.number-steps{display:grid;gap:12px;margin:24px 0}.number-steps>div{display:grid;grid-template-columns:40px 1fr;gap:13px;align-items:start}.number-steps span{width:36px;height:36px;border-radius:11px;background:var(--soft2);color:var(--brand);display:grid;place-items:center;font-weight:900}.number-steps p{margin:4px 0}.cta-inline{display:grid;grid-template-columns:1.35fr .65fr;align-items:center;gap:24px;margin:46px 0}.cta-inline h2{margin:6px 0 10px!important}.cta-inline>div:last-child{text-align:right}.cta-inline small{display:block;margin-top:8px;color:#cfe3df}.journey{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:12px;margin:25px 0}.journey>div{border:1px solid var(--line);border-radius:15px;padding:18px;background:#fff;min-height:118px}.journey>div span{display:grid;place-items:center;width:30px;height:30px;border-radius:9px;background:var(--soft2);color:var(--brand);font-weight:900;margin-bottom:10px}.journey strong,.journey small{display:block}.journey small{color:var(--muted);margin-top:3px}.journey>b{color:var(--brand2);font-size:1.25rem}
@media(max-width:900px){.fact-grid{grid-template-columns:1fr 1fr}.fact:nth-child(2){border-right:0}.fact:nth-child(-n+2){border-bottom:1px solid var(--line)}.article-layout{grid-template-columns:1fr;gap:24px}.toc{position:static;grid-template-columns:1fr 1fr}.benefit-grid,.cta-inline{grid-template-columns:1fr}.cta-inline>div:last-child{text-align:left}.journey{grid-template-columns:1fr}.journey>b{transform:rotate(90deg);text-align:center}.three-cards{grid-template-columns:1fr}}
@media(max-width:560px){.fact-grid{grid-template-columns:1fr}.fact{border-right:0;border-bottom:1px solid var(--line)}.fact:last-child{border-bottom:0}.toc{grid-template-columns:1fr}.benefit-grid{grid-template-columns:1fr}.deep-hero .hero-actions .btn{width:100%}}

/* v6 supporting NIB search-intent cluster */
.compare-table{width:100%;border-collapse:separate;border-spacing:0;margin:24px 0;border:1px solid var(--line);border-radius:16px;overflow:hidden}.compare-table th,.compare-table td{padding:15px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.compare-table th{background:var(--soft);font-size:.84rem}.compare-table tr:last-child td{border-bottom:0}.cluster-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0}.cluster-link{display:block;border:1px solid var(--line);border-radius:15px;padding:19px;color:var(--ink);background:#fff}.cluster-link:hover{text-decoration:none;box-shadow:0 9px 28px rgba(16,42,42,.07)}.cluster-link strong{display:block}.cluster-link span{display:block;color:var(--muted);font-size:.9rem;margin-top:3px}.callout-title{font-size:1rem;margin:0 0 5px}.legal-note{font-size:.86rem;color:var(--muted)}@media(max-width:700px){.cluster-grid{grid-template-columns:1fr}.compare-table{display:block;overflow-x:auto}}

/* v12 launch trust + SEO QA */
.editorial-trust{border-top:1px solid var(--line);background:#f8fbfa;padding:18px 0}.editorial-trust .container{display:flex;align-items:center;justify-content:space-between;gap:24px}.editorial-trust strong,.editorial-trust span{display:block}.editorial-trust span{font-size:.86rem;color:var(--muted);margin-top:2px}.editorial-trust a{font-weight:800;white-space:nowrap}@media(max-width:700px){.editorial-trust .container{display:block}.editorial-trust a{display:inline-block;margin-top:8px}}

/* v14 premium homepage */
.premium-hero{position:relative;overflow:hidden;padding:96px 0 88px;background:linear-gradient(135deg,#f5fbf9 0%,#edf7f4 46%,#fff8f4 100%)}
.premium-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(10,108,98,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(10,108,98,.035) 1px,transparent 1px);background-size:42px 42px;mask-image:linear-gradient(to bottom,rgba(0,0,0,.42),transparent 78%)}
.hero-orb{position:absolute;border-radius:50%;filter:blur(2px);opacity:.7}.hero-orb-one{width:460px;height:460px;background:radial-gradient(circle,rgba(10,108,98,.16),rgba(10,108,98,0) 68%);right:-100px;top:-110px}.hero-orb-two{width:360px;height:360px;background:radial-gradient(circle,rgba(230,95,59,.14),rgba(230,95,59,0) 70%);left:28%;bottom:-190px}.premium-grid{position:relative;z-index:2;grid-template-columns:1.05fr .95fr;gap:68px}.hero-copy{max-width:720px}.hero-badge{display:inline-flex;align-items:center;gap:9px;padding:8px 13px;border:1px solid rgba(10,108,98,.16);border-radius:999px;background:rgba(255,255,255,.72);backdrop-filter:blur(10px);font-size:.79rem;font-weight:850;text-transform:uppercase;letter-spacing:.055em;color:#36524f;margin-bottom:20px}.pulse-dot{width:8px;height:8px;border-radius:50%;background:var(--brand);box-shadow:0 0 0 5px rgba(10,108,98,.09)}.premium-hero h1{font-size:clamp(3rem,5.5vw,5.2rem);max-width:800px}.premium-hero h1 span{color:var(--brand)}.premium-hero .hero-lead{max-width:690px;font-size:1.18rem!important}.btn-glass{background:rgba(255,255,255,.68);border-color:rgba(16,42,42,.13);color:var(--ink);backdrop-filter:blur(10px)}.premium-proof{margin-top:26px}.hero-disclosure{margin-top:12px}.hero-visual{position:relative;min-height:560px;display:flex;align-items:center;justify-content:center}.visual-shell{width:min(100%,510px);background:rgba(255,255,255,.93);border:1px solid rgba(16,42,42,.11);border-radius:28px;box-shadow:0 32px 90px rgba(16,42,42,.17);overflow:hidden;transform:rotate(1.2deg)}.visual-top{height:52px;background:#f8fbfa;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:7px;padding:0 18px}.visual-top small{margin-left:auto;color:var(--muted);font-weight:700}.visual-dot{width:9px;height:9px;border-radius:50%;background:#c8d9d5}.visual-body{padding:28px}.visual-label{font-size:.76rem;text-transform:uppercase;letter-spacing:.08em;color:var(--brand);font-weight:900}.visual-body h3{font-size:1.55rem;margin:6px 0 20px;letter-spacing:-.025em}.visual-row{display:grid;grid-template-columns:50px 1fr auto;align-items:center;gap:14px;padding:15px 14px;margin:8px 0;border:1px solid var(--line);border-radius:15px;color:var(--ink);background:#fff;transition:.2s}.visual-row:hover,.visual-row.active{background:#f5faf8;border-color:#bcd9d2;text-decoration:none;transform:translateX(3px)}.visual-row small{display:block;color:var(--muted)}.visual-icon{width:46px;height:46px;border-radius:13px;background:#103f3b;color:#fff;display:grid;place-items:center;font-weight:900;font-size:.86rem}.visual-icon.alt{background:var(--brand)}.visual-icon.warm{background:var(--brand2)}.visual-icon.pale{background:#e9f3f1;color:var(--brand)}.visual-footer{display:flex;align-items:center;justify-content:center;gap:13px;padding:17px;border-top:1px solid var(--line);background:#fbfdfc;font-size:.74rem;font-weight:900;letter-spacing:.08em;color:#5f7270}.visual-footer i{width:3px;height:3px;border-radius:50%;background:#b9c9c6}.floating-card{position:absolute;display:flex;align-items:center;gap:11px;background:#fff;border:1px solid rgba(16,42,42,.1);border-radius:15px;padding:12px 15px;box-shadow:0 15px 38px rgba(16,42,42,.12);z-index:3}.floating-card strong,.floating-card small{display:block}.floating-card strong{font-size:.88rem}.floating-card small{font-size:.76rem;color:var(--muted)}.floating-one{left:-14px;top:92px}.floating-two{right:-18px;bottom:70px}.float-icon{width:34px;height:34px;border-radius:10px;background:#e5f3ef;color:var(--brand);display:grid;place-items:center;font-weight:900}.float-icon.coral{background:#fff0ea;color:var(--brand2)}
.trust-ribbon{background:#0f3532;color:#fff}.trust-ribbon-grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-ribbon-grid>div{display:flex;gap:13px;align-items:center;padding:22px 18px;border-right:1px solid rgba(255,255,255,.11)}.trust-ribbon-grid>div:last-child{border-right:0}.ribbon-icon{font-size:.7rem;font-weight:900;color:#92d2c9;border:1px solid rgba(146,210,201,.3);border-radius:9px;padding:6px 7px}.trust-ribbon strong,.trust-ribbon small{display:block}.trust-ribbon small{color:#b9d1cd;font-size:.78rem;margin-top:2px}
.choice-section{padding:92px 0}.centered-heading{display:block;text-align:center;max-width:820px;margin:0 auto}.centered-heading p{max-width:720px!important;margin:12px auto 0!important}.premium-product-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:44px}.premium-product-card{position:relative;padding:34px;border:1px solid var(--line);border-radius:26px;background:#fff;box-shadow:0 15px 48px rgba(16,42,42,.06);overflow:hidden}.premium-product-card:after{content:"";position:absolute;width:240px;height:240px;border-radius:50%;right:-110px;top:-120px;background:radial-gradient(circle,rgba(10,108,98,.10),rgba(10,108,98,0) 68%)}.premium-product-card.ovhc-card:after{background:radial-gradient(circle,rgba(230,95,59,.11),rgba(230,95,59,0) 68%)}.product-ribbon{position:absolute;right:22px;top:22px;background:#e8f4f1;color:var(--brand);padding:6px 10px;border-radius:999px;font-size:.74rem;font-weight:900;text-transform:uppercase;letter-spacing:.05em}.coral-ribbon{background:#fff0ea;color:#a94a31}.premium-product-head{display:flex;gap:15px;align-items:center;margin-bottom:18px}.big-icon{width:58px;height:58px;border-radius:17px;background:#103f3b;color:#fff;display:grid;place-items:center;font-size:1.15rem;font-weight:900}.coral-bg{background:var(--brand2)}.mini-eyebrow{font-size:.72rem;text-transform:uppercase;letter-spacing:.065em;color:var(--muted);font-weight:850}.premium-product-head h3{font-size:1.8rem;margin:2px 0 0;letter-spacing:-.035em}.premium-product-card>p{max-width:560px;color:var(--muted)}.feature-stack{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:26px 0}.feature-stack span{padding:12px 13px;border-radius:12px;background:var(--soft);font-size:.88rem;font-weight:750}.premium-actions{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.premium-actions>a:not(.btn){font-weight:850}.btn-dark{background:#103f3b;color:#fff}
.deep-section{background:linear-gradient(180deg,#f6faf9,#fff);padding:88px 0}.deep-grid{display:grid;grid-template-columns:1fr .95fr;gap:70px;align-items:center}.deep-copy h2{font-size:clamp(2rem,4vw,3.2rem);max-width:610px}.deep-copy>p{font-size:1.08rem;color:var(--muted);max-width:650px}.deep-list{display:grid;gap:8px;margin-top:30px}.deep-list>div{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:start;padding:15px 0;border-top:1px solid var(--line)}.deep-list>div:last-child{border-bottom:1px solid var(--line)}.deep-list span{width:34px;height:34px;border-radius:10px;background:#e7f3f0;color:var(--brand);display:grid;place-items:center;font-size:.74rem;font-weight:900}.deep-list p{margin:0}.deep-list strong,.deep-list small{display:block}.deep-list small{color:var(--muted);margin-top:3px}.deep-panel{background:#103f3b;color:#fff;padding:28px;border-radius:25px;box-shadow:0 24px 60px rgba(16,42,42,.17)}.panel-kicker{font-size:.74rem;text-transform:uppercase;letter-spacing:.08em;color:#9dd7cf;font-weight:900;margin-bottom:12px}.deep-panel a{display:grid;grid-template-columns:56px 1fr auto;align-items:center;gap:14px;padding:17px 0;border-top:1px solid rgba(255,255,255,.12);color:#fff}.deep-panel a:hover{text-decoration:none}.deep-panel a>span{width:50px;height:50px;border-radius:14px;background:rgba(255,255,255,.1);display:grid;place-items:center;font-size:.79rem;font-weight:900}.deep-panel a strong,.deep-panel a small{display:block}.deep-panel a small{color:#bcd1cd;margin-top:3px}.deep-panel a b{font-size:1.1rem;color:#9dd7cf}
.guide-showcase{padding:88px 0}.premium-guides .feature-guide{background:linear-gradient(145deg,#103f3b,#17574f);color:#fff;border-color:#103f3b}.premium-guides .feature-guide .guide-kicker,.premium-guides .feature-guide>span:last-child{color:#aee0d9}.premium-guides .feature-guide p{color:#d7e7e4}.premium-faq{padding:88px 0}.faq-layout{display:grid;grid-template-columns:.7fr 1.3fr;gap:70px;align-items:start}.faq-layout>div:first-child{position:sticky;top:115px}.faq-layout>div:first-child h2{font-size:clamp(2rem,3.5vw,2.8rem)}.faq-layout>div:first-child p{color:var(--muted)}.premium-faq .faq{margin-top:0}.premium-faq .faq details{border-radius:16px}.premium-faq .faq summary{font-size:1.02rem}.premium-cta{padding:38px 0 78px}.premium-cta .cta{position:relative;overflow:hidden;background:linear-gradient(135deg,#0f3532,#15574f)}.premium-cta .cta:after{content:"";position:absolute;width:320px;height:320px;border-radius:50%;right:-120px;top:-150px;background:radial-gradient(circle,rgba(255,255,255,.11),rgba(255,255,255,0) 70%)}.cta-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.cta-badges span{border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.07);padding:6px 9px;border-radius:999px;font-size:.74rem;font-weight:800;color:#d2e6e2}.dual-cta{display:grid;gap:10px;position:relative;z-index:2}.btn-outline-light{border-color:rgba(255,255,255,.32);color:#fff;background:transparent}
@media(max-width:1050px){.premium-grid{grid-template-columns:1fr 1fr;gap:34px}.floating-one{left:2px}.floating-two{right:2px}.feature-stack{grid-template-columns:1fr}}
@media(max-width:900px){.premium-grid,.premium-product-grid,.deep-grid,.faq-layout{grid-template-columns:1fr}.premium-hero{padding-top:64px}.hero-visual{min-height:520px}.trust-ribbon-grid{grid-template-columns:1fr 1fr}.trust-ribbon-grid>div:nth-child(2){border-right:0}.trust-ribbon-grid>div:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.11)}.faq-layout>div:first-child{position:static}.deep-grid{gap:38px}.premium-product-grid{margin-top:32px}}
@media(max-width:560px){.premium-hero h1{font-size:2.7rem}.hero-visual{min-height:460px}.visual-shell{transform:none}.floating-card{display:none}.visual-body{padding:20px}.visual-row{grid-template-columns:46px 1fr auto;padding:12px}.trust-ribbon-grid{grid-template-columns:1fr}.trust-ribbon-grid>div{border-right:0;border-bottom:1px solid rgba(255,255,255,.11)!important}.trust-ribbon-grid>div:last-child{border-bottom:0!important}.premium-product-card{padding:25px}.product-ribbon{position:static;display:inline-block;margin-bottom:18px}.feature-stack{grid-template-columns:1fr}.choice-section,.deep-section,.guide-showcase,.premium-faq{padding:66px 0}.premium-actions .btn{width:100%}.dual-cta .btn{width:100%}}


/* v15 approved green/navy visual system */
:root{--navy:#0b2d5c;--navy2:#123b6b;--nib-green:#11823b;--nib-green-dark:#087431;--nib-green-soft:#edf8ef;--nib-green-line:#cfe8d4;--slate:#52627a;--page:#ffffff}
body{color:#102b50;background:#fff}
a{color:var(--nib-green-dark)}
.topbar{display:none}
.site-header{background:#fff;border-bottom:1px solid #e5ebf2;box-shadow:0 3px 18px rgba(11,45,92,.045)}
.nav{min-height:82px}
.brand-copy{color:var(--navy);font-size:1.24rem;font-weight:900;line-height:1}.brand-copy b{color:var(--navy)}.brand-copy small{display:block;color:var(--nib-green);font-size:.62rem;margin-left:3px;letter-spacing:.15em}
.brand img{width:46px;height:46px}
.nav-links a:not(.btn){color:#0d2851;font-size:.92rem}.nav-links a:not(.btn):hover{color:var(--nib-green);text-decoration:none}
.btn-primary,.btn-dark{background:linear-gradient(180deg,#159244,#087a34);color:#fff;box-shadow:0 8px 22px rgba(17,130,59,.2)}
.btn-primary:hover,.btn-dark:hover{background:#087431}
.btn-secondary{border-color:#dce6ef;color:var(--navy)}
.btn-glass{border-color:#b7d9c0;background:#fff;color:var(--nib-green-dark)}

.premium-hero{padding:62px 0 54px;background:linear-gradient(90deg,#f8fcf9 0%,#f5fbf7 47%,#eef8f1 100%)}
.premium-grid{grid-template-columns:1.03fr .97fr;gap:42px}
.hero-badge{color:var(--nib-green-dark);border-color:var(--nib-green-line);background:#fff}
.pulse-dot{background:var(--nib-green)}
.premium-hero h1{font-size:clamp(2.8rem,5vw,4.7rem);color:var(--navy);line-height:1.01}.premium-hero h1 .nib-green,.nib-green{color:var(--nib-green)!important}
.premium-hero .hero-lead{color:#3f526c}
.hero-proof{color:#405973}.hero-proof span:before{color:var(--nib-green)}
.hero-disclosure{color:#67758b}
.hero-photo-panel{min-height:470px;border-radius:26px;background:linear-gradient(145deg,#dff1e4,#f6fbf7);border:1px solid var(--nib-green-line);box-shadow:0 24px 70px rgba(11,45,92,.12);position:relative;overflow:hidden;padding:28px;display:flex;align-items:flex-end}
.hero-photo-panel:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 76% 22%,rgba(17,130,59,.16),transparent 30%),linear-gradient(150deg,transparent 45%,rgba(11,45,92,.06));}
.hero-photo-panel .visa-illustration{position:relative;z-index:2;width:100%}
.hero-photo-panel .cityline{height:120px;border-bottom:5px solid #8bbd9a;position:relative;margin-bottom:26px}
.hero-photo-panel .cityline:before{content:"SYDNEY";position:absolute;right:6px;bottom:8px;color:rgba(11,45,92,.14);font-size:4.6rem;font-weight:950;letter-spacing:.08em}
.hero-photo-panel .people-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.hero-photo-panel .person{height:180px;border-radius:90px 90px 18px 18px;background:#fff;border:1px solid #d8e8dc;display:flex;flex-direction:column;align-items:center;justify-content:center;box-shadow:0 10px 28px rgba(11,45,92,.08)}
.hero-photo-panel .person span{font-size:2.5rem}.hero-photo-panel .person strong{margin-top:8px;font-size:.82rem;color:var(--navy)}
.partner-badge{position:absolute;z-index:3;right:18px;top:18px;background:#fff;border:1px solid var(--nib-green-line);border-radius:15px;padding:13px 15px;text-align:center;box-shadow:0 10px 30px rgba(11,45,92,.09);color:var(--navy);font-size:.74rem;font-weight:850}.partner-badge b{display:block;color:var(--nib-green);font-size:1.2rem;margin-top:3px}

.trust-ribbon{background:#fff;border-top:1px solid #e8edf3;border-bottom:1px solid #e8edf3;color:var(--navy)}
.trust-ribbon-grid>div{border-right:1px solid #e5ebf1}.trust-ribbon small{color:#627087}.ribbon-icon{color:var(--nib-green);border-color:var(--nib-green-line);background:var(--nib-green-soft)}
.choice-section{background:#fff}.centered-heading h2,.section h2{color:var(--navy)}
.premium-product-card{border-color:#dfe9e2;background:linear-gradient(145deg,#fff,#f4fbf6)}
.premium-product-card.ovhc-card:after,.premium-product-card:after{background:radial-gradient(circle,rgba(17,130,59,.10),rgba(17,130,59,0) 68%)}
.product-ribbon,.coral-ribbon{background:#e7f6eb;color:var(--nib-green-dark)}
.big-icon,.coral-bg{background:#fff;color:var(--nib-green);border:2px solid var(--nib-green);font-size:1.5rem}
.premium-product-head h3,.nib-heading{color:var(--nib-green)!important}
.feature-stack span{background:#f1f8f3;color:#304a61}
.deep-section{background:linear-gradient(180deg,#f8fcf9,#fff)}
.deep-list span{background:var(--nib-green-soft);color:var(--nib-green)}
.deep-panel{background:linear-gradient(145deg,#0b2d5c,#133c67)}.deep-panel a>span{background:rgba(255,255,255,.1)}.deep-panel a b,.panel-kicker{color:#a9dfb6}
.premium-guides .feature-guide{background:linear-gradient(145deg,#0d7934,#159246);border-color:#0d7934}.premium-guides .feature-guide .guide-kicker,.premium-guides .feature-guide>span:last-child{color:#d7f5df}
.premium-cta .cta{background:linear-gradient(135deg,#0c7131,#159246)}
.editorial-trust{border-top:1px solid #e4ece6;border-bottom:1px solid #e4ece6;background:#f2faf4}
.editorial-trust .container{display:flex;justify-content:space-between;gap:20px;align-items:center;padding:15px 0}.editorial-trust strong,.editorial-trust span{display:block}.editorial-trust strong{color:var(--navy)}.editorial-trust span{font-size:.82rem;color:#66768a}
.footer{background:linear-gradient(180deg,#0b2d5c,#08274f);color:#dce8f5}.footer a{color:#eaf2fb}.footer-brand .brand-copy,.footer-brand .brand-copy b{color:#fff}.footer-brand .brand-copy small{color:#a9dfb6}.footer .disclosure{color:#b8c8da!important}.footer-bottom{border-color:rgba(255,255,255,.13)}

/* approved homepage compact blocks */
.visa-selector{padding:34px 0 12px}.visa-selector h2{text-align:center;color:var(--navy);font-size:1.75rem}.visa-selector h2 span{color:var(--nib-green)}.visa-tile-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:22px}.visa-tile{border:1px solid #dfe7ed;border-radius:15px;padding:20px 13px;text-align:center;background:#fff;box-shadow:0 6px 20px rgba(11,45,92,.04);color:var(--navy)}.visa-tile:hover{text-decoration:none;border-color:#b6d8be;transform:translateY(-2px)}.visa-tile .icon{font-size:2rem;color:var(--nib-green);display:block}.visa-tile strong{display:block;margin:7px 0 2px}.visa-tile small{color:#5f7085;display:block}.visa-tile em{font-style:normal;display:inline-block;margin-top:10px;padding:6px 11px;border-radius:9px;background:#edf8ef;color:var(--nib-green-dark);font-size:.78rem;font-weight:850}
.benefit-strip{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid #dfe7ed;border-radius:16px;margin-top:26px;background:#fff}.benefit-strip>div{padding:18px 20px;border-right:1px solid #e3e9ee}.benefit-strip>div:last-child{border-right:0}.benefit-strip strong{display:block;color:var(--navy)}.benefit-strip span{font-size:.82rem;color:#65758a}

/* internal page consistency */
.page-hero{background:linear-gradient(135deg,#f7fcf8,#edf8ef);border-bottom:1px solid #e2ece5}.page-hero .eyebrow{color:var(--nib-green)}.page-hero h1{color:var(--navy)}.page-hero h1 strong,.page-hero h1 .nib-green{color:var(--nib-green)}
.quick{border-color:#dfe9e2;background:#fbfefc}.check:before{color:var(--nib-green)}.tag{background:var(--nib-green-soft);color:var(--nib-green-dark)}.notice{background:#f7fcf8;border-color:var(--nib-green-line)}.warning{border-left-color:var(--nib-green);background:#f4faf5}.cluster-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.cluster-link{padding:18px;border:1px solid #dfe7ed;border-radius:14px;background:#fff;color:var(--navy)}.cluster-link:hover{text-decoration:none;border-color:#b9d9c0}.cluster-link strong,.cluster-link span{display:block}.cluster-link strong{color:var(--nib-green-dark)}.cluster-link span{font-size:.88rem;color:#65758a;margin-top:4px}

@media(max-width:1000px){.visa-tile-grid{grid-template-columns:repeat(3,1fr)}.benefit-strip{grid-template-columns:1fr 1fr}.benefit-strip>div:nth-child(2){border-right:0}.benefit-strip>div:nth-child(-n+2){border-bottom:1px solid #e3e9ee}}
@media(max-width:900px){.hero-photo-panel{min-height:390px}.premium-grid{grid-template-columns:1fr}.visa-tile-grid{grid-template-columns:1fr 1fr}.editorial-trust .container{display:block}.cluster-grid{grid-template-columns:1fr}}
@media(max-width:560px){.visa-tile-grid,.benefit-strip{grid-template-columns:1fr}.benefit-strip>div{border-right:0;border-bottom:1px solid #e3e9ee}.benefit-strip>div:last-child{border-bottom:0}.hero-photo-panel{min-height:330px}.hero-photo-panel .person{height:135px}.partner-badge{position:relative;right:auto;top:auto;display:inline-block;margin-bottom:15px}.hero-photo-panel .cityline:before{font-size:3rem}}