/* K.Actuary — white ground, nine greys, one blue. Section rhythm borrowed from product-company sites. */
:root{
  --blue:#3182f6; --blue-deep:#1b64da; --blue-soft:#e8f3ff; --red:#f04452; --green:#03b26c;
  --g900:#191f28; --g800:#333d4b; --g700:#4e5968; --g600:#6b7684; --g500:#8b95a1;
  --g400:#b0b8c1; --g300:#d1d6db; --g200:#e5e8eb; --g100:#f2f4f6; --g50:#f9fafb; --white:#fff;
  --wrap:1080px; --r:16px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--g900);font:400 17px/1.6 "Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:24px}
.num{font-variant-numeric:tabular-nums}

/* nav */
.nav{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:rgba(255,255,255,.86);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid transparent;transition:border-color .2s}
.nav.scrolled{border-bottom-color:var(--g200)}
.nav .wrap{display:flex;align-items:center;gap:32px;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:19px;letter-spacing:-.02em}
.logo i{width:28px;height:28px;border-radius:8px;background:var(--blue);display:grid;place-items:center;color:#fff;font-style:normal;font-size:15px;font-weight:800}
.menu{display:flex;gap:28px;font-size:15px;font-weight:500;color:var(--g700)}
.menu a:hover{color:var(--g900)}
.menu .soon{color:var(--g400)}
.nav .cta{margin-left:auto}
.burger{display:none;margin-left:auto;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:22px;height:2px;background:var(--g800);margin:5px 0;border-radius:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:56px;padding:0 26px;border-radius:var(--r);font-size:17px;font-weight:600;border:0;cursor:pointer;transition:transform .15s,background .2s}
.btn:active{transform:scale(.97)}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-deep)}
.btn-soft{background:var(--blue-soft);color:var(--blue-deep)}
.btn-soft:hover{background:#d6e8ff}
.btn-sm{height:40px;padding:0 16px;border-radius:12px;font-size:15px}

/* sections */
section{padding-block:128px}
.alt{background:var(--g100)}
.eyebrow{font-size:15px;font-weight:600;color:var(--blue);margin:0 0 14px}
h1,h2,h3{letter-spacing:-.02em;text-wrap:balance;margin:0}
h1{font-size:56px;line-height:1.12;font-weight:700}
h2{font-size:40px;line-height:1.25;font-weight:700}
h3{font-size:22px;line-height:1.35;font-weight:700}
.lead{font-size:20px;color:var(--g600);margin:20px 0 0;max-width:640px}
.center{text-align:center}.center .lead{margin-inline:auto}
.pill{display:inline-flex;align-items:center;gap:6px;height:32px;padding:0 14px;border-radius:100px;background:var(--blue-soft);color:var(--blue-deep);font-size:14px;font-weight:600}
.pill.grey{background:var(--g100);color:var(--g700)}

/* hero */
.hero{padding-block:104px 96px}
.hero .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero .btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}
.hero .note{margin-top:18px;font-size:14px;color:var(--g500)}

/* product screen */
.screen{background:var(--white);border:1px solid var(--g200);border-radius:24px;box-shadow:0 30px 60px -30px rgba(25,31,40,.25);overflow:hidden}
.screen .bar{display:flex;gap:6px;padding:14px 18px;border-bottom:1px solid var(--g100)}
.screen .bar b{width:10px;height:10px;border-radius:50%;background:var(--g200)}
.screen .body{padding:22px}
.screen .ctx{font-size:13px;color:var(--g500)}
.screen .ttl{font-size:20px;font-weight:700;margin:4px 0 16px;letter-spacing:-.01em}
.row{display:grid;grid-template-columns:1fr auto;gap:4px 12px;align-items:center;padding:14px 16px;border-radius:14px;background:var(--g50);margin-bottom:8px}
.row .n{font-weight:600}
.row .p{font-size:22px;font-weight:700;text-align:right}
.row .p small{font-size:13px;color:var(--g500);font-weight:500}
.row .src{grid-column:1/-1;font-size:12px;color:var(--g500);display:flex;align-items:center;gap:6px}
.row .src i{width:6px;height:6px;border-radius:50%;background:var(--green);display:inline-block}
.row.top{background:var(--blue-soft)}
.row.top .p{color:var(--blue-deep)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:56px}
.stat{background:var(--white);border-radius:20px;padding:28px 24px}
.alt .stat{background:var(--white)}
.stat b{display:block;font-size:40px;line-height:1.1;font-weight:700;letter-spacing:-.02em}
.stat span{display:block;margin-top:10px;font-size:15px;color:var(--g600);line-height:1.5}
.asof{margin-top:20px;font-size:13px;color:var(--g500)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:56px}
.step{padding:28px 24px;border-radius:20px;background:var(--g100)}
.step em{font-style:normal;display:inline-grid;place-items:center;width:36px;height:36px;border-radius:12px;background:var(--white);color:var(--blue);font-weight:700;margin-bottom:18px}
.step p{margin:10px 0 0;color:var(--g600);font-size:16px}

/* products */
.products{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:56px}
.prod{display:flex;flex-direction:column;border-radius:24px;padding:32px 28px;background:var(--white);border:1px solid var(--g200);transition:transform .2s,box-shadow .2s}
a.prod:hover{transform:translateY(-4px);box-shadow:0 20px 40px -24px rgba(25,31,40,.3)}
.prod .ico{width:52px;height:52px;border-radius:16px;background:var(--blue-soft);display:grid;place-items:center;font-size:26px;margin-bottom:24px}
.prod p{color:var(--g600);font-size:16px;margin:10px 0 24px}
.prod ul{list-style:none;padding:0;margin:0 0 28px;font-size:15px;color:var(--g700)}
.prod li{padding:7px 0;border-top:1px solid var(--g100)}
.prod .go{margin-top:auto;font-weight:600;color:var(--blue)}
.prod.muted .go{color:var(--g500)}

/* feature split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split + .split{margin-top:120px}
.big{font-size:72px;font-weight:700;letter-spacing:-.03em;line-height:1}
.big small{font-size:28px;color:var(--g500);font-weight:600}
.card{background:var(--white);border-radius:24px;padding:32px}
.alt .card{background:var(--white)}
.cmp{display:flex;align-items:flex-end;gap:16px;height:200px;margin-top:24px}
.cmp div{flex:1;border-radius:12px 12px 4px 4px;background:var(--g200);position:relative}
.cmp div.hi{background:var(--blue)}
.cmp div span{position:absolute;top:-28px;left:0;right:0;text-align:center;font-weight:700;font-size:15px}
.cmp-l{display:flex;gap:16px;margin-top:10px;font-size:13px;color:var(--g500)}
.cmp-l span{flex:1;text-align:center}
.fine{font-size:13px;color:var(--g500);margin-top:18px}

/* insurers band */
.band{background:var(--g900);color:#fff;border-radius:32px;padding:72px 64px;display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}
.band .lead{color:var(--g400)}
.band ul{list-style:none;margin:0;padding:0}
.band li{padding:16px 0;border-bottom:1px solid #333d4b;font-size:17px}
.band li b{display:block;font-size:15px;color:var(--g400);font-weight:500;margin-top:2px}
.band .btn-soft{background:#fff;color:var(--g900)}

/* founder */
.founder{display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center;max-width:860px;margin:0 auto}
.avatar{width:120px;height:120px;border-radius:32px;background:var(--blue-soft);display:grid;place-items:center;font-size:40px;font-weight:700;color:var(--blue-deep)}
.founder blockquote{margin:0;font-size:24px;line-height:1.5;font-weight:600;letter-spacing:-.01em}
.founder cite{display:block;margin-top:16px;font-style:normal;color:var(--g600);font-size:16px}

/* faq */
.faq{max-width:760px;margin:48px auto 0}
.faq details{border-bottom:1px solid var(--g200);padding:22px 4px}
.faq summary{cursor:pointer;list-style:none;font-size:19px;font-weight:600;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--g500);font-weight:400;font-size:24px;line-height:1}
.faq details[open] summary::after{content:"−"}
.faq p{color:var(--g600);margin:14px 0 0}

/* final cta */
.final{text-align:center}
.final .btns{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-top:36px}

/* footer */
footer{background:var(--g50);border-top:1px solid var(--g200);padding-block:72px 48px;font-size:15px}
.fgrid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:32px}
.fgrid h4{font-size:14px;font-weight:600;color:var(--g900);margin:0 0 16px}
.fgrid a{display:block;color:var(--g600);padding:5px 0}
.fgrid a:hover{color:var(--g900)}
.fgrid p{color:var(--g600);margin:12px 0 0;font-size:14px;max-width:280px}
.legal{margin-top:56px;padding-top:28px;border-top:1px solid var(--g200);font-size:13px;color:var(--g500);line-height:1.7}
.legal p{margin:0 0 10px}

/* sub pages */
.page-hero{padding-block:96px 48px}
.prose{max-width:720px;margin:0 auto;padding-block:0 120px}
.prose h2{font-size:28px;margin:56px 0 12px}
.prose p,.prose li{color:var(--g700);font-size:17px}
.prose table{width:100%;border-collapse:collapse;font-size:15px;margin:16px 0}
.prose td,.prose th{border-bottom:1px solid var(--g200);padding:10px 8px;text-align:left}
.formcard{background:var(--g100);border-radius:24px;padding:32px;margin-top:32px}
.formcard label{display:block;font-size:14px;font-weight:600;margin:16px 0 6px}
.formcard input,.formcard textarea,.formcard select{width:100%;font:inherit;padding:14px 16px;border:1px solid var(--g300);border-radius:12px;background:#fff}

/* reveal */
.rv{opacity:1;transform:none;transition:opacity .6s,transform .6s}
.js .rv.pre{opacity:0;transform:translateY(24px)}
@media (prefers-reduced-motion:reduce){.rv,.js .rv.pre{opacity:1;transform:none;transition:none}}

/* responsive */
@media (max-width:960px){
  h1{font-size:44px}h2{font-size:32px}
  .hero .grid,.split,.band{grid-template-columns:1fr}
  .stats,.steps{grid-template-columns:repeat(2,1fr)}
  .products{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr 1fr}
  .band{padding:48px 28px}
}
@media (max-width:720px){
  section{padding-block:80px}
  .hero{padding-block:56px 72px}
  h1{font-size:36px}h2{font-size:28px}.lead{font-size:18px}
  .menu,.nav .cta{display:none}
  .burger{display:block}
  .nav.open .menu{display:flex;flex-direction:column;position:absolute;top:64px;left:0;right:0;background:#fff;padding:12px 24px 24px;border-bottom:1px solid var(--g200);gap:4px}
  .nav.open .menu a{padding:12px 0;font-size:17px}
  .stats,.steps{grid-template-columns:1fr}
  .big{font-size:56px}
  .founder{grid-template-columns:1fr;text-align:center}.avatar{margin:0 auto}
  .fgrid{grid-template-columns:1fr}
  .wrap{padding-inline:20px}
}
/* hero chart */
.seg{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;margin-bottom:14px}.seg div{display:flex;gap:6px}
.seg button{font:inherit;font-size:14px;font-weight:600;height:34px;padding:0 14px;border-radius:100px;border:0;background:var(--g100);color:var(--g700);cursor:pointer}
.seg button.on{background:var(--g900);color:#fff}
.seg .sp{flex:1}
#hChart{width:100%;height:auto;display:block;margin-top:8px}
.legend{display:grid;gap:2px;margin-top:10px}
.legend div{display:grid;grid-template-columns:10px 1fr auto;gap:10px;align-items:center;font-size:14px;padding:6px 0;border-top:1px solid var(--g100)}
.legend i{width:10px;height:10px;border-radius:3px}
.legend b{font-weight:700;text-align:right}
.legend small{font-weight:500;color:var(--g500);font-size:12px;margin-left:4px}
@media (min-width:961px){.hero .grid{grid-template-columns:1fr 1fr}}
.hero .grid>*{min-width:0}
.hero h1{font-size:52px}
@media (max-width:720px){.hero h1{font-size:34px}}

@media (max-width:720px){.legend div{grid-template-columns:10px 1fr;}.legend b{grid-column:2;text-align:left}.seg button{height:32px;padding:0 12px;font-size:13px}.screen .body{padding:16px}}
/* rate alerts */
.alert{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;background:var(--blue-soft);border-radius:32px;padding:56px}
.aform .arow{display:flex;gap:8px}
.aform input[type=email]{flex:1;min-width:0;height:56px;padding:0 18px;border-radius:16px;border:1px solid var(--g200);font:inherit;font-size:17px;background:#fff}
.aform input[type=email]:focus{outline:2px solid var(--blue);border-color:transparent}
.aopt{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:14px;font-size:15px;color:var(--g700)}
.aopt label{display:flex;align-items:center;gap:6px;cursor:pointer}
.aopt select{font:inherit;font-size:15px;height:38px;padding:0 10px;border-radius:10px;border:1px solid var(--g200);background:#fff;margin-left:auto}
.amsg{font-size:13px;color:var(--g600);margin:12px 0 0}.amsg.ok{color:var(--green);font-weight:600}.amsg.bad{color:var(--red)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
@media (max-width:960px){.alert{grid-template-columns:1fr;padding:36px 24px;gap:24px}}
@media (max-width:520px){.aform .arow{flex-direction:column}.aopt select{margin-left:0}}