/* TK Assurance website */
:root{
  --bg:#f6f8fb;--bg2:#eef3f9;--card:#fff;--ink:#0d1b2e;--ink2:#2b3a52;--mut:#5d6b80;--line:#dfe6ef;
  --navy:#0b2545;--navy2:#13315c;--brand:#1d6fe0;--brand2:#0f56b8;--teal:#12a594;--gold:#e9b949;
  --ok:#0a7a4a;--err:#b42318;--shadow:0 1px 2px rgba(13,27,46,.06),0 12px 32px rgba(13,27,46,.08);
  --r:14px;--head:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif
}
@media (prefers-color-scheme:dark){:root{
  --bg:#0a111c;--bg2:#0e1726;--card:#121c2c;--ink:#e9eef6;--ink2:#c9d3e2;--mut:#93a1b5;--line:#22314a;
  --brand:#5a9bff;--brand2:#86b6ff;--teal:#3fd0bd;--ok:#4fd18b;--err:#ff7b6b;--shadow:0 1px 2px rgba(0,0,0,.3),0 12px 32px rgba(0,0,0,.35)
}}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}html,body{margin:0}
body{background:var(--bg);color:var(--ink);font:16px/1.6 var(--body);-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--head);letter-spacing:-.02em;line-height:1.15;margin:0 0 12px}
h2{font-size:clamp(26px,3.4vw,36px)}h3{font-size:18px}
p{margin:0 0 12px}a{color:var(--brand)}img,svg{display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}
.muted{color:var(--mut)}.small{font-size:14px}.tiny{font-size:12px;line-height:1.5}.err{color:var(--err)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* Header */
.top{position:sticky;top:0;z-index:20;background:color-mix(in srgb,var(--card) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font:800 19px/1 var(--head);letter-spacing:-.02em}
.brand small{display:block;font:500 11px/1.2 var(--body);color:var(--mut);letter-spacing:.04em;text-transform:uppercase;margin-top:3px}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:var(--ink2);text-decoration:none;font-weight:500;font-size:15px}.nav a:hover{color:var(--brand)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:12px 20px;font:700 15px/1 var(--body);text-decoration:none;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 6px 18px rgba(29,111,224,.3)}.btn-primary:hover{background:var(--brand2);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{transform:translateY(-1px)}
.btn-outline-light{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.45)}.btn-outline-light:hover{border-color:#fff}
.nav .btn{color:#fff}
@media (max-width:1060px){.nav a:not(.btn){display:none}.nav{gap:10px}}

/* Hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 500px at 85% -10%,rgba(29,111,224,.55),transparent 60%),radial-gradient(800px 400px at -10% 110%,rgba(18,165,148,.35),transparent 60%),linear-gradient(160deg,#0b2545,#0a1b33 70%);color:#fff;padding:64px 0 72px}
.hero:after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1px);background-size:22px 22px;mask-image:linear-gradient(to bottom,#000,transparent 85%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media (max-width:920px){.hero .wrap{grid-template-columns:1fr;gap:32px}.hero{padding:40px 0 48px}}
.pill{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:6px 14px 6px 8px;font-size:13px;font-weight:600;margin-bottom:20px}
.pill .dot{width:22px;height:22px;border-radius:50%;background:var(--teal);display:grid;place-items:center}
.hero h1{font-size:clamp(34px,5.2vw,56px);margin-bottom:18px}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#8fc1ff,#6be3d2);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{font-size:clamp(17px,1.6vw,19px);color:#c9d6ea;max-width:560px;margin-bottom:26px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:30px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;padding:0;margin:0;list-style:none;font-size:14px;color:#c9d6ea}
.trust li{display:flex;align-items:center;gap:8px}.trust svg{color:#6be3d2;flex:none}

/* Countdown */
.oep{display:flex;align-items:center;gap:14px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:var(--r);padding:14px 16px;margin-top:28px;max-width:560px}
.oep .num{font:800 30px/1 var(--head);color:var(--gold);min-width:56px;text-align:center}
.oep .num small{display:block;font:600 11px/1.3 var(--body);color:#c9d6ea;text-transform:uppercase;letter-spacing:.06em}
.oep p{margin:0;font-size:14.5px;color:#dbe5f3}.oep strong{color:#fff}

/* Form card */
.card{background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.hero .card{box-shadow:0 30px 60px rgba(0,0,0,.35);border:0}
.card h2{font-size:24px;margin-bottom:4px}
.form-head{display:flex;justify-content:space-between;align-items:flex-start;gap:12px;margin-bottom:6px}
.badge{flex:none;background:color-mix(in srgb,var(--teal) 14%,transparent);color:var(--ok);font-size:12px;font-weight:700;border-radius:999px;padding:5px 10px}
label{display:block;font-weight:600;font-size:14px;margin:14px 0 0;color:var(--ink2)}
input,select{display:block;width:100%;margin-top:6px;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;background:var(--bg);color:var(--ink);font:inherit;font-size:16px;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus{outline:0;border-color:var(--brand);box-shadow:0 0 0 4px color-mix(in srgb,var(--brand) 18%,transparent)}
.two{display:grid;grid-template-columns:1fr 1.4fr;gap:12px}@media (max-width:440px){.two{grid-template-columns:1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:12.5px;color:var(--mut);margin-top:18px;line-height:1.5}
.consent input{width:18px;height:18px;margin:2px 0 0;flex:none;padding:0;accent-color:var(--brand)}
.card button[type=submit]{width:100%;margin-top:18px;padding:16px;border-radius:12px;font-size:17px}
.card button:disabled{opacity:.6;cursor:default;transform:none}
.secure{display:flex;align-items:center;justify-content:center;gap:6px;margin:12px 0 0;font-size:12.5px;color:var(--mut)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.thanks{text-align:center;padding:24px 0}.thanks .ic{width:64px;height:64px;border-radius:50%;background:color-mix(in srgb,var(--teal) 16%,transparent);color:var(--ok);display:grid;place-items:center;margin:0 auto 16px}

/* Sections */
section{padding:84px 0}@media (max-width:700px){section{padding:56px 0}}
.alt{background:var(--bg2)}
.kicker{display:inline-block;color:var(--brand);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:10px}
.head{max-width:640px;margin-bottom:44px}.head.center{text-align:center;margin-left:auto;margin-right:auto}
.head p{color:var(--mut);font-size:17px}

/* Value strip */
.strip{background:var(--card);border-bottom:1px solid var(--line);padding:0}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.strip .item{display:flex;gap:12px;align-items:center;padding:22px 16px;border-left:1px solid var(--line)}.strip .item:first-child{border-left:0}
.strip strong{display:block;font:700 15px/1.3 var(--head)}.strip span{font-size:13px;color:var(--mut)}
@media (max-width:900px){.strip .wrap{grid-template-columns:1fr 1fr}.strip .item:nth-child(3){border-left:0}.strip .item:nth-child(n+3){border-top:1px solid var(--line)}}
@media (max-width:480px){.strip .wrap{grid-template-columns:1fr}.strip .item{border-left:0;border-top:1px solid var(--line)}.strip .item:first-child{border-top:0}}

.ic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;flex:none;background:color-mix(in srgb,var(--brand) 12%,transparent);color:var(--brand)}
.ic.teal{background:color-mix(in srgb,var(--teal) 14%,transparent);color:var(--teal)}

/* Grids */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:900px){.grid3{grid-template-columns:1fr 1fr}}@media (max-width:600px){.grid3{grid-template-columns:1fr}}
.tile{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:26px;transition:transform .2s,box-shadow .2s,border-color .2s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:color-mix(in srgb,var(--brand) 30%,var(--line))}
.tile .ic{margin-bottom:16px}.tile p{color:var(--mut);margin:0;font-size:15px}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s;padding:0;margin:0;list-style:none}
@media (max-width:800px){.steps{grid-template-columns:1fr}}
.steps li{position:relative;background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px 26px 26px}
.steps li:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font:800 17px/1 var(--head);margin-bottom:16px}
@media (prefers-color-scheme:dark){.steps li:before{background:var(--brand)}}
.steps p{color:var(--mut);margin:0;font-size:15px}

/* Timeline */
.dates{display:grid;grid-template-columns:repeat(3,1fr);gap:0;background:var(--card);border:1px solid var(--line);border-radius:20px;overflow:hidden}
@media (max-width:760px){.dates{grid-template-columns:1fr}}
.date{padding:28px 26px;border-left:1px solid var(--line)}.date:first-child{border-left:0}
@media (max-width:760px){.date{border-left:0;border-top:1px solid var(--line)}.date:first-child{border-top:0}}
.date .d{font:800 34px/1 var(--head);color:var(--brand);margin-bottom:6px}
.date .m{font:700 13px/1 var(--body);text-transform:uppercase;letter-spacing:.08em;color:var(--mut);margin-bottom:12px}
.date p{margin:0;color:var(--ink2);font-size:15px}
.date.now{background:color-mix(in srgb,var(--brand) 7%,var(--card))}
.note{margin-top:18px;font-size:14px;color:var(--mut)}

/* Checklist + about */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:32px}}
.list{list-style:none;padding:0;margin:0}
.list li{display:flex;gap:12px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--line)}.list li:last-child{border-bottom:0}
.list svg{color:var(--teal);flex:none;margin-top:3px}
.about-card{background:linear-gradient(160deg,#0b2545,#13315c);color:#fff;border-radius:24px;padding:36px;position:relative;overflow:hidden}
.about-card:after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:radial-gradient(rgba(107,227,210,.35),transparent 70%)}
.avatar{width:76px;height:76px;border-radius:50%;background:linear-gradient(135deg,#5a9bff,#3fd0bd);display:grid;place-items:center;font:800 26px/1 var(--head);margin-bottom:18px;color:#fff}
.about-card h3{font-size:24px;margin-bottom:4px}.about-card .role{color:#9fb6d6;font-size:14px;margin-bottom:18px}
.creds{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}
.creds div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:12px 14px}
.creds b{display:block;font:700 15px/1.3 var(--head)}.creds span{font-size:12.5px;color:#9fb6d6}
.about-text p{color:var(--ink2);font-size:16.5px}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;transition:border-color .2s}
.faq details[open]{border-color:color-mix(in srgb,var(--brand) 40%,var(--line))}
.faq summary{list-style:none;cursor:pointer;padding:20px 56px 20px 22px;font:700 16.5px/1.4 var(--head);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"";position:absolute;right:22px;top:50%;width:10px;height:10px;border-right:2px solid var(--mut);border-bottom:2px solid var(--mut);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary:after{transform:translateY(-30%) rotate(-135deg)}
.faq .a{padding:0 22px 20px;color:var(--mut)}.faq .a p:last-child{margin:0}

/* CTA band */
.cta{background:linear-gradient(120deg,#0f56b8,#1d6fe0 50%,#12a594);color:#fff;border-radius:24px;padding:48px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta h2{margin:0 0 6px}.cta p{margin:0;color:#e3eeff}.cta .btns{display:flex;gap:12px;flex-wrap:wrap}
@media (max-width:600px){.cta{padding:32px 24px}}

/* Footer */
footer{background:#081a31;color:#a9b8cd;padding:56px 0 32px;font-size:14px}
footer a{color:#dbe5f3;text-decoration:none}footer a:hover{text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
@media (max-width:980px){.fgrid{grid-template-columns:1fr 1fr}}@media (max-width:560px){.fgrid{grid-template-columns:1fr}}
footer .brand{color:#fff;margin-bottom:14px}footer .brand small{color:#8aa0bd}
footer h4{color:#fff;font:700 14px/1 var(--head);margin:0 0 14px;letter-spacing:.02em}
footer ul{list-style:none;margin:0;padding:0}footer li{margin:8px 0}
.legal{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:12px;line-height:1.6;color:#8193ab}
.legal p{margin:0 0 8px}

/* Mobile call bar */
.mbar{display:none}
@media (max-width:700px){
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:30;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:color-mix(in srgb,var(--card) 92%,transparent);backdrop-filter:blur(10px);border-top:1px solid var(--line)}
  .mbar .btn{padding:13px 10px}body{padding-bottom:74px}
}

/* Legal pages */
.doc{max-width:780px;margin:0 auto;padding:48px 16px 72px}
.doc h1{font-size:clamp(30px,4vw,40px)}.doc h2{font-size:21px;margin-top:34px}
.doc p,.doc li{color:var(--ink2)}
.doc-hero{background:linear-gradient(160deg,#0b2545,#0a1b33);color:#fff;padding:44px 0 40px}
.doc-hero .wrap{max-width:780px}.doc-hero h1{margin:0 0 6px;font-size:clamp(30px,4vw,42px)}.doc-hero p{margin:0;color:#9fb6d6}

/* Form errors */
input[aria-invalid],select[aria-invalid]{border-color:var(--err);box-shadow:0 0 0 4px color-mix(in srgb,var(--err) 14%,transparent)}

/* Guides grid (homepage) */
.guides{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:980px){.guides{grid-template-columns:1fr 1fr}}@media (max-width:560px){.guides{grid-template-columns:1fr}}
.guide{display:block;text-decoration:none;color:var(--ink);background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;transition:transform .2s,box-shadow .2s,border-color .2s}
.guide:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:color-mix(in srgb,var(--brand) 30%,var(--line))}
.guide .ic{margin-bottom:14px}.guide p{color:var(--mut);margin:0;font-size:15px}

/* Guide pages */
.crumbs{font-size:13px;color:#9fb6d6;margin:0 0 10px}.crumbs a{color:#dbe5f3;text-decoration:none}.crumbs a:hover{text-decoration:underline}
.doc-hero .kick{color:#9fb6d6;font-size:16px;max-width:640px;margin-top:8px}
.doc h3{font-size:18px;margin-top:22px}
.doc ul,.doc ol{padding-left:22px}.doc li{margin:6px 0}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:0;background:var(--card);border:1px solid var(--line);border-radius:18px;overflow:hidden;margin:20px 0 8px}
.facts div{padding:18px 18px;border-left:1px solid var(--line)}.facts div:first-child{border-left:0}
.facts b{display:block;font:800 22px/1.15 var(--head);color:var(--brand);margin-bottom:6px}.facts span{font-size:14.5px;color:var(--ink2)}
@media (max-width:640px){.facts{grid-template-columns:1fr}.facts div{border-left:0;border-top:1px solid var(--line)}.facts div:first-child{border-top:0}}
.callout{background:color-mix(in srgb,var(--brand) 7%,var(--card));border:1px solid color-mix(in srgb,var(--brand) 25%,var(--line));border-radius:14px;padding:16px 18px;margin:20px 0}
.callout p:last-child{margin:0}
.sources{font-size:13.5px;color:var(--mut);border-top:1px solid var(--line);margin-top:34px;padding-top:16px}.sources ul{margin:6px 0 0}.sources li{color:var(--mut)}
.doc .cta{margin-top:36px}.doc .cta h2{font-size:26px;margin-top:0}.doc .cta p{color:#e3eeff}
.doc .card{margin-top:22px}.doc .card h2{margin-top:0}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:14px 0}
.linkbox{font:600 15px/1.4 ui-monospace,Consolas,monospace;background:var(--bg2);border:1px dashed var(--line);border-radius:10px;padding:10px 12px;word-break:break-all;color:var(--ink)}

@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}