:root{--blue:#1B3FA0;--blue-d:#132f7a;--blue-dd:#0d2159;--sky:#E8F0FF;--sky2:#d6e3ff;--sun:#FFB547;--sun-d:#f29f1f;--white:#fff;--ink:#0f1a3a;--text:#25304d;--muted:#56607a;--line:#dbe3f3;
--r:18px;--r-sm:12px;--sh:0 10px 30px rgba(27,63,160,.08);--sh2:0 24px 60px rgba(13,33,89,.18);--max:1240px;--f:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',sans-serif}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--f);font-size:1rem;line-height:1.6;color:var(--text);background:#fff;overflow-x:hidden}
img{max-width:100%;display:block}a{color:var(--blue)}
:focus-visible{outline:3px solid var(--sun);outline-offset:2px;border-radius:6px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:1rem;top:-100px;background:var(--blue);color:#fff;padding:.75rem 1rem;z-index:1000;border-radius:8px}.skip:focus{top:60px}
.wrap{width:100%;max-width:var(--max);margin:0 auto;padding:0 clamp(1rem,4vw,2rem)}
.ic{flex:none}
h1,h2,h3,h4{color:var(--ink);margin:0 0 .6rem;letter-spacing:-.02em}
.display{font-size:clamp(2.4rem,5.6vw,4.4rem);line-height:1.05;font-weight:800;color:#fff;margin-bottom:1.25rem}
.h1{font-size:clamp(2.1rem,4.6vw,3.6rem);line-height:1.08;font-weight:800}
.h2{font-size:clamp(1.7rem,3.2vw,2.5rem);line-height:1.15;font-weight:800}
.h3{font-size:clamp(1.25rem,2vw,1.5rem);line-height:1.25;font-weight:700}
.h4{font-size:1.08rem;line-height:1.35;font-weight:700}
.hl{color:var(--sun)}
.lede{font-size:clamp(1.05rem,1.4vw,1.2rem);color:var(--muted);max-width:40rem}
p{margin:0 0 1rem}
.tag{display:inline-flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:700;letter-spacing:.04em;color:var(--blue);background:var(--sky);padding:.35rem .8rem;border-radius:999px;margin:0 0 1rem}
.tag-light{background:rgba(255,255,255,.14);color:#fff}
.note{font-size:.84rem;color:var(--muted);margin-top:1rem}.note.center,.center{text-align:center}
.muted{color:var(--muted)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;min-height:48px;padding:.75rem 1.35rem;border-radius:999px;font:700 .97rem var(--f);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .2s,background .2s,box-shadow .2s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-sm{min-height:44px;padding:.5rem 1rem;font-size:.9rem}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--blue-d);box-shadow:var(--sh)}
.btn-sun{background:var(--sun);color:var(--ink)}.btn-sun:hover{background:#ffc366;box-shadow:0 10px 24px rgba(255,181,71,.35)}
.btn-line{background:#fff;color:var(--blue);border-color:var(--line)}
.btn-ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
.btn-block{width:100%}
.acts{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}.acts.center{justify-content:center}
.linkbtn{background:none;border:0;color:var(--blue);font:700 1rem var(--f);text-decoration:underline;cursor:pointer;min-height:44px;padding:0}
/* header */
.hdr{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--line);transition:box-shadow .25s}
.hdr-in{display:flex;align-items:center;gap:1.5rem;min-height:78px;transition:min-height .25s}
.hdr.is-condensed{box-shadow:0 8px 30px rgba(13,33,89,.1)}.hdr.is-condensed .hdr-in{min-height:64px}
.logo{display:inline-flex;align-items:center;gap:.65rem;text-decoration:none}
.logo-mark{width:42px;height:42px;border-radius:12px;background:var(--blue);color:var(--sun);display:grid;place-items:center}
.logo-t{display:flex;flex-direction:column;font-weight:800;font-size:1.2rem;line-height:1;color:var(--ink);letter-spacing:-.02em}
.logo-t small{font-weight:600;font-size:.7rem;letter-spacing:.02em;color:var(--muted);margin-top:.25rem}
.logo-light .logo-t{color:#fff}.logo-light .logo-t small{color:#b9c7ec}.logo-light .logo-mark{background:#fff;color:var(--blue)}
.nav{margin-left:auto}.nav>ul{display:flex;gap:.25rem;list-style:none;margin:0;padding:0;align-items:center}
.nav>ul>li>a,.mm-btn{display:inline-flex;align-items:center;gap:.3rem;padding:.6rem .85rem;min-height:44px;border-radius:999px;text-decoration:none;color:var(--ink);font:600 .95rem var(--f);background:none;border:0;cursor:pointer}
.nav>ul>li>a:hover,.mm-btn:hover,.mm-btn[aria-expanded=true]{background:var(--sky);color:var(--blue)}
.nav a[aria-current]{color:var(--blue);background:var(--sky)}
.has-mm{position:relative}
.mm{position:absolute;top:calc(100% + 14px);left:-160px;width:min(860px,90vw);background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh2);padding:1.25rem;display:grid;grid-template-columns:1fr 1fr .9fr;gap:1rem}
.mm[hidden]{display:none}
.mm-h{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:.25rem .5rem .5rem}
.mm-col>a:last-child{display:inline-block;margin:.5rem;font-weight:700;font-size:.9rem}
.mm-item{display:flex;gap:.75rem;padding:.7rem .6rem;border-radius:var(--r-sm);text-decoration:none;color:var(--ink)}.mm-item:hover{background:var(--sky)}
.mm-item strong{display:block;font-size:.95rem}.mm-item small{color:var(--muted);font-size:.84rem;line-height:1.4;display:block}
.mm-ic{width:38px;height:38px;border-radius:10px;background:var(--sky);color:var(--blue);display:grid;place-items:center;flex:none}
.mm-promo{background:var(--blue);color:#d9e3ff;border-radius:var(--r-sm);padding:1.1rem}.mm-promo .mm-h{color:var(--sun);margin:0 0 .5rem}.mm-promo p{font-size:.9rem}
.hdr-act{display:flex;align-items:center;gap:.75rem}
.hdr-claim{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;font-size:.92rem;text-decoration:none;color:var(--blue);min-height:44px;padding:0 .5rem}
.burger{display:none;margin-left:auto;width:48px;height:48px;border-radius:14px;border:1px solid var(--line);background:#fff;color:var(--ink);place-items:center;cursor:pointer}
.drawer-bg{position:fixed;inset:0;background:rgba(13,33,89,.45);z-index:90}
.drawer{position:fixed;top:0;right:0;height:100%;width:min(380px,88vw);background:#fff;z-index:95;padding:64px 1.25rem 2rem;overflow:auto;box-shadow:var(--sh2);display:flex;flex-direction:column;gap:.75rem}
.drawer[hidden],.drawer-bg[hidden]{display:none}
.drawer-top{display:flex;justify-content:space-between;align-items:center;padding:.5rem 0 1rem;border-bottom:1px solid var(--line)}
.drawer-x{width:48px;height:48px;border-radius:14px;border:1px solid var(--line);background:#fff;display:grid;place-items:center;cursor:pointer;color:var(--ink)}
.drawer ul{list-style:none;margin:0;padding:0}.drawer li a{display:block;padding:.85rem .25rem;border-bottom:1px solid var(--line);font-weight:600;color:var(--ink);text-decoration:none;font-size:1.05rem}
.drawer li a[aria-current]{color:var(--blue)}
body.menu-open{overflow:hidden}
@media (max-width:1100px){.nav,.hdr-act{display:none}.burger{display:grid}}
/* hero */
.hero{background:radial-gradient(1200px 600px at 85% -10%,#2e58c9 0,transparent 60%),linear-gradient(160deg,var(--blue) 0,var(--blue-dd) 100%);color:#d9e3ff;padding:clamp(3rem,7vw,6rem) 0 clamp(4rem,8vw,7rem);position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:520px;height:520px;border-radius:50%;border:80px solid rgba(255,181,71,.08)}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4rem);align-items:center;position:relative;z-index:1}
.hero .lede{color:#cbd8ff}
.hero-chips{display:flex;flex-wrap:wrap;gap:.6rem 1.25rem;list-style:none;padding:0;margin:1.5rem 0 0}.hero-chips li{display:flex;align-items:center;gap:.45rem;font-weight:600;font-size:.94rem;color:#fff}.hero-chips .ic{color:var(--sun)}
.hero-side{position:relative;display:grid;grid-template-columns:1fr;align-items:end}
.hero-ph{border-radius:28px;width:86%;margin-left:auto}
.qq{position:absolute;left:-1rem;bottom:-2.5rem;width:min(360px,88%);background:#fff;border-radius:22px;box-shadow:var(--sh2);padding:1.25rem;color:var(--text)}
.qq-h{font-weight:800;color:var(--ink);font-size:1.1rem;margin:0 0 .75rem}
.qq-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:.35rem;background:var(--sky);padding:.3rem;border-radius:14px;margin-bottom:1rem}
.qq-tabs button{display:flex;align-items:center;justify-content:center;gap:.35rem;min-height:44px;border:0;border-radius:10px;background:none;font:700 .88rem var(--f);color:var(--muted);cursor:pointer}
.qq-tabs button[aria-selected=true]{background:#fff;color:var(--blue);box-shadow:0 2px 8px rgba(27,63,160,.12)}
.qq-p label,.calc label,.fld label{display:block;font-weight:600;font-size:.9rem;color:var(--ink);margin:.4rem 0 .35rem}
.naira{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:12px;background:#fff;overflow:hidden}.naira:focus-within{border-color:var(--blue)}
.naira span{padding:0 .4rem 0 .85rem;font-weight:700;color:var(--muted)}.naira input{border:0!important;outline:0;flex:1;min-width:0}
input,select,textarea{font:inherit;font-size:1rem;color:var(--text);min-height:48px;padding:.65rem .85rem;border:1.5px solid var(--line);border-radius:12px;background:#fff;width:100%}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,63,160,.15)}
input[type=range]{padding:0;border:0;accent-color:var(--blue);min-height:32px}
input[type=checkbox],input[type=radio]{width:20px;height:20px;min-height:0;accent-color:var(--blue);flex:none}
.qq-out{display:flex;flex-wrap:wrap;align-items:baseline;gap:.25rem .6rem;background:var(--sky);border-radius:14px;padding:.9rem 1rem;margin:1rem 0}
.qq-out span{font-size:.85rem;color:var(--muted);width:100%}.qq-out strong{font-size:1.75rem;font-weight:800;color:var(--blue);letter-spacing:-.02em}.qq-out small{color:var(--muted)}
.qq-note{font-size:.78rem;color:var(--muted);margin:.6rem 0 0;text-align:center}
.ph{margin:0;background:linear-gradient(140deg,var(--sky2),#b9cdfb);overflow:hidden;border-radius:var(--r)}
.ph img{width:100%;height:100%;object-fit:cover;color:transparent}
/* partners marquee */
.partners{background:#fff;border-bottom:1px solid var(--line)}
.partners-h{text-align:center;font-weight:700;color:var(--muted);font-size:.9rem;margin:0 0 1rem}
.mq{display:flex;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.mq-t{display:flex;gap:2.75rem;list-style:none;margin:0;padding:0 1.4rem;flex:none;animation:mq 40s linear infinite}
.mq-t li{display:flex;align-items:center;gap:.55rem;font-weight:800;color:#4a5677;white-space:nowrap;font-size:1.05rem;letter-spacing:-.01em}
.pmark{width:30px;height:30px;border-radius:9px;background:var(--sky);color:var(--blue);display:grid;place-items:center;font-size:.9rem}
@keyframes mq{to{transform:translateX(-100%)}}
/* sections */
.sec{padding:clamp(3.5rem,8vw,6.5rem) 0}.sec-tight{padding:clamp(2rem,5vw,3.5rem) 0}
.sec-sky{background:var(--sky)}
.sec-blue{background:var(--blue-dd);color:#cbd8ff}.sec-blue .h2,.sec-blue .h4{color:#fff}.sec-blue .tag{background:rgba(255,255,255,.12);color:var(--sun)}
.shead{max-width:46rem;margin-bottom:2.5rem}.shead.center{margin-left:auto;margin-right:auto;text-align:center}.shead .lede{margin:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}.split.top{align-items:start}
.split>*,.phero-in>*,.hero-in>*,.qgrid>*,.faq-wrap>*{min-width:0}
/* cover cards */
.cc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.cc,.rcard{position:relative;display:flex;flex-direction:column;gap:.35rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.6rem;text-decoration:none;color:var(--text);transition:transform .25s,box-shadow .25s,border-color .25s}
.cc:hover,.rcard:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:#b8c9f3}
.cc p,.rcard p{color:var(--muted);font-size:.95rem;flex:1}
.cc-ic{width:52px;height:52px;border-radius:15px;background:var(--sky);color:var(--blue);display:grid;place-items:center;margin-bottom:.75rem}
.cc-ic.big{width:64px;height:64px;border-radius:18px}
.cc:hover .cc-ic{background:var(--blue);color:var(--sun)}
.cc-from{font-size:.88rem;color:var(--muted)}.cc-from strong{color:var(--ink)}
.cc-go{display:inline-flex;align-items:center;gap:.35rem;font-weight:700;color:var(--blue);font-size:.93rem;margin-top:.5rem;text-decoration:none;min-height:32px}
/* why */
.why{list-style:none;padding:0;margin:0;display:grid;gap:1.25rem}.why li{display:flex;gap:1rem}.why p{color:var(--muted);margin:0}
.why-ic{width:44px;height:44px;border-radius:12px;background:#fff;color:var(--blue);display:grid;place-items:center;flex:none;box-shadow:var(--sh)}
.stack-media{position:relative;padding-bottom:2rem}.stack-media .ph{border-radius:28px}
.float-card{position:absolute;left:-1.5rem;bottom:0;background:#fff;border-radius:18px;box-shadow:var(--sh2);padding:1rem 1.2rem;display:flex;gap:.85rem;align-items:center;max-width:300px}
.float-card strong{display:block;font-size:1.35rem;color:var(--ink)}.float-card span{font-size:.88rem;color:var(--muted)}
.fc-ic{width:44px;height:44px;border-radius:12px;background:var(--sun);color:var(--ink);display:grid;place-items:center;flex:none}
/* claims steps */
.csteps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;counter-reset:c}
.cs{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.5rem}
.cs p{color:var(--muted);font-size:.94rem;margin:0}
.cs-n{position:absolute;top:1.25rem;right:1.25rem;font-weight:800;font-size:2.4rem;line-height:1;color:var(--sky2)}
.cs-ic{width:52px;height:52px;border-radius:50%;background:var(--sun);color:var(--ink);display:grid;place-items:center;margin-bottom:1rem}
.csteps.dark .cs{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12)}.csteps.dark p{color:#bfcdf5}.csteps.dark .cs-n{color:rgba(255,255,255,.12)}
/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.st{background:var(--sky);border-radius:var(--r);padding:1.5rem;display:flex;flex-direction:column}
.st strong{font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:800;color:var(--blue);letter-spacing:-.03em;line-height:1.1}.st span{color:var(--muted);font-size:.92rem}
.sec-sky .st{background:#fff}
/* testimonials */
.tq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.tq{margin:0;background:#fff;border-radius:var(--r);padding:1.6rem;box-shadow:var(--sh);display:flex;flex-direction:column}
.stars{display:flex;gap:2px;color:var(--sun-d);margin-bottom:.75rem}.stars .ic{fill:var(--sun)}
.tq blockquote{margin:0 0 1.25rem;flex:1}.tq p{font-weight:500;color:var(--ink)}
.tq figcaption{display:flex;align-items:center;gap:.6rem;font-size:.9rem;color:var(--muted);font-weight:600}
.av{width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:800}
/* faq */
.faq-wrap{display:grid;grid-template-columns:.8fr 1.4fr;gap:3rem;align-items:start}
.accs{display:flex;flex-direction:column;gap:.6rem}
.acc{background:#fff;border:1px solid var(--line);border-radius:14px}.acc h3{margin:0}
.acc-btn{width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1.1rem 1.25rem;background:none;border:0;text-align:left;font:700 1.02rem/1.4 var(--f);color:var(--ink);cursor:pointer;min-height:56px}
.acc-btn .ic{color:var(--blue);transition:transform .25s}.acc-btn[aria-expanded=true] .ic{transform:rotate(180deg)}
.acc-p{padding:0 1.25rem 1.1rem;color:var(--muted)}.acc-p p{margin:0}
.acc-cat{display:block;font-size:.74rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.06em;margin-bottom:.15rem}
.acc[hidden]{display:none}
.more{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;text-decoration:none;margin-top:.75rem;min-height:44px}
/* cta */
.cta-card{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--blue),var(--blue-dd));border-radius:28px;padding:clamp(2rem,5vw,3.5rem);display:grid;grid-template-columns:1.3fr auto;gap:2rem;align-items:center;color:#cbd8ff}
.cta-card .h2{color:#fff}.cta-card .acts{margin:0}
.cta-shape{position:absolute;right:-40px;top:-50px;color:rgba(255,181,71,.15)}
/* page hero */
.phero{background:linear-gradient(160deg,var(--blue),var(--blue-dd));color:#cbd8ff;padding:clamp(2.5rem,6vw,4.5rem) 0;overflow:hidden}
.phero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.phero .h1{color:#fff}.phero .lede{color:#cbd8ff}
.phero-media .ph{border-radius:26px;box-shadow:var(--sh2)}
.crumbs ol{list-style:none;padding:0;margin:0 0 1.25rem;display:flex;flex-wrap:wrap;gap:.35rem;font-size:.88rem}
.crumbs li+li::before{content:"\203A";margin-right:.35rem;opacity:.7}
.crumbs a{color:#fff;text-decoration:none;display:inline-block;padding:.3rem 0}.crumbs a:hover{text-decoration:underline}.crumbs [aria-current]{color:#cbd8ff;padding:.3rem 0}
.qhero{background:linear-gradient(160deg,var(--blue),var(--blue-dd));color:#cbd8ff;padding:clamp(2.5rem,6vw,4rem) 0 clamp(5rem,9vw,7rem)}
.qhero .h1{color:#fff}.qhero .lede{color:#cbd8ff}
/* personal */
.prows{display:grid;gap:1rem}
.prow{display:grid;grid-template-columns:auto 1fr auto;gap:1.5rem;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.75rem}
.prow .cc-ic{margin:0}.prow p{color:var(--muted)}
.mini{list-style:none;padding:0;margin:.5rem 0 1rem;display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}.mini li{display:flex;align-items:center;gap:.4rem;font-size:.94rem;font-weight:600;color:var(--ink)}.mini .ic{color:#1a8f5a}
.mini.two{display:grid;grid-template-columns:1fr 1fr}
.sec-blue .mini li{color:#fff}
.xgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.xcard{background:#fff;border-radius:var(--r);padding:1.4rem;border:1px solid var(--line)}.xcard p{color:var(--muted);font-size:.93rem}
.hsteps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.hsteps li{border-top:3px solid var(--sun);padding-top:1.1rem}.hsteps span{font-weight:800;color:var(--sun);font-size:.9rem}.hsteps p{color:#bfcdf5;margin:0}
/* business */
.biz-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.biz{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.75rem;scroll-margin-top:140px}
.biz:first-child{grid-column:1/-1;background:var(--sky);border-color:var(--sky2)}
.biz-h{display:flex;align-items:center;gap:1rem;margin-bottom:.75rem}.biz-h .cc-ic{margin:0}.biz-h .h3{margin:0}.biz p{color:var(--muted)}
.duo{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.duo .ph:last-child{margin-top:2.5rem}
.bigq{margin:0 auto;max-width:56rem;text-align:center;position:relative}
.bq-mark{font-size:7rem;line-height:.6;color:var(--sun);font-weight:800;display:block;height:3rem}
.bigq p{font-size:clamp(1.3rem,2.6vw,1.9rem);font-weight:700;color:var(--ink);line-height:1.35;letter-spacing:-.015em}.bigq figcaption{color:var(--muted)}
/* tables */
.tbl-box{position:relative;overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.tbl{width:100%;border-collapse:collapse;min-width:600px;font-size:.95rem}
.tbl th,.tbl td{padding:.95rem 1.1rem;text-align:left;border-bottom:1px solid var(--line)}
.tbl thead th{background:var(--sky);color:var(--ink);font-weight:700;font-size:.9rem}
.tbl tbody th{font-weight:600;color:var(--ink)}
.cmp td{text-align:center}.cmp thead th:not(:first-child){text-align:center}.cmp .best{background:var(--blue);color:#fff}
.cmp td .ic{display:inline-block}.cmp td svg[class=ic]{color:#1a8f5a}
.cmp tr td:last-child{background:#f5f8ff}
.split .tbl-box{margin-top:1.5rem}
/* specs, calc */
.specs{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.spec{border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;border-top:4px solid var(--sun)}.spec span{font-size:.84rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}.spec strong{display:block;color:var(--ink);font-size:1.08rem;margin-top:.35rem;line-height:1.35}
.calc,.card{background:#fff;border-radius:22px;box-shadow:var(--sh2);padding:clamp(1.25rem,3vw,2rem)}
.calc .fld{margin-bottom:.9rem}.calc label output{float:right;color:var(--blue);font-weight:800}
.opts{border:0;padding:0;margin:.5rem 0 1rem}.opts legend{font-weight:700;color:var(--ink);font-size:.9rem;margin-bottom:.3rem}
.ck{display:flex;align-items:center;gap:.65rem;min-height:44px;cursor:pointer;font-weight:500}
.calc-out{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;background:var(--sky);border-radius:16px;padding:1rem 1.1rem;margin:1rem 0}
.calc-out span{display:block;font-size:.82rem;color:var(--muted)}.calc-out strong{font-size:clamp(1.3rem,2.4vw,1.7rem);font-weight:800;color:var(--blue);letter-spacing:-.02em}
.gal{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:1rem}
.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
/* plans */
.toggle-row{display:flex;justify-content:center;align-items:center;gap:1rem;margin-bottom:2rem;flex-wrap:wrap;font-weight:600}
.seg{display:inline-flex;background:#fff;border-radius:999px;padding:.3rem;border:1px solid var(--line)}
.seg button{min-height:44px;padding:.5rem 1.1rem;border:0;border-radius:999px;background:none;font:700 .9rem var(--f);color:var(--muted);cursor:pointer}
.seg button[aria-checked=true]{background:var(--blue);color:#fff}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;align-items:stretch}
.plan{position:relative;background:#fff;border-radius:22px;padding:1.75rem;border:1px solid var(--line);display:flex;flex-direction:column}
.plan .mini{flex-direction:column;flex:1}
.plan.pop{border:2px solid var(--blue);box-shadow:var(--sh2)}
.pop-tag{position:absolute;top:-14px;left:1.5rem;background:var(--sun);color:var(--ink);font-weight:800;font-size:.78rem;padding:.3rem .8rem;border-radius:999px}
.price{display:flex;align-items:baseline;gap:.25rem;margin:.25rem 0 1rem}.price span{font-weight:700;color:var(--muted)}.price strong{font-size:2.4rem;font-weight:800;color:var(--ink);letter-spacing:-.03em}.price small{color:var(--muted)}
.hosp{background:#fff;border-radius:var(--r);padding:1.5rem;margin-top:2rem}
.hosp-row{max-width:360px}.hosp-list{list-style:none;padding:0;margin:1rem 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem}
.hosp-list li{background:var(--sky);border-radius:12px;padding:.85rem 1rem;font-weight:600;color:var(--ink);font-size:.93rem}.hosp-list small{display:block;color:var(--muted);font-weight:500}
/* claims */
.track label{display:block;font-weight:700;color:var(--ink);margin-bottom:.4rem}
.track-row{display:flex;gap:.6rem}.track-row input{flex:1}.track .err{display:block;margin-top:.4rem}
.track-out{background:#fff;border-radius:22px;padding:1.75rem;box-shadow:var(--sh);min-height:220px}
.tline{list-style:none;padding:0;margin:1rem 0 0;border-left:3px solid var(--line)}
.tline li{position:relative;padding:0 0 1.25rem 1.5rem}.tline li::before{content:"";position:absolute;left:-9px;top:.2rem;width:15px;height:15px;border-radius:50%;background:#fff;border:3px solid var(--line)}
.tline li.done::before{background:#1a8f5a;border-color:#1a8f5a}.tline li.now::before{background:var(--sun);border-color:var(--sun);box-shadow:0 0 0 5px rgba(255,181,71,.3)}
.tline strong{display:block;color:var(--ink)}.tline span{color:var(--muted);font-size:.9rem}
.tablist{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:1.25rem}
.tablist button{display:inline-flex;align-items:center;gap:.4rem;min-height:46px;padding:.5rem 1.1rem;border-radius:999px;border:1.5px solid var(--line);background:#fff;font:700 .94rem var(--f);color:var(--ink);cursor:pointer}
.tablist button[aria-selected=true]{background:var(--blue);border-color:var(--blue);color:#fff}
.docs{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
.docs li{display:flex;gap:.75rem;align-items:center;background:var(--sky);border-radius:14px;padding:1rem 1.1rem;font-weight:600;color:var(--ink)}.docs .ic{color:var(--blue)}
/* wizard */
.qsec{padding-top:0}.qgrid{display:grid;grid-template-columns:1.5fr .8fr;gap:2rem;align-items:start;margin-top:-4.5rem}
.qcard{padding:clamp(1.25rem,3vw,2.25rem)}
.wz-prog{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:.5rem;padding:0;margin:0 0 2rem;counter-reset:s}
.wz-prog li{display:flex;flex-direction:column;gap:.4rem;font-size:.82rem;font-weight:700;color:var(--muted);border-top:4px solid var(--line);padding-top:.6rem}
.wz-prog li span{width:28px;height:28px;border-radius:50%;background:var(--sky);display:grid;place-items:center;color:var(--blue);font-size:.85rem}
.wz-prog li.on{border-color:var(--blue);color:var(--ink)}.wz-prog li.on span{background:var(--blue);color:#fff}.wz-prog li.done{border-color:#1a8f5a}.wz-prog li.done span{background:#1a8f5a;color:#fff}
.wz-step{border:0;padding:0;margin:0}.wz-step legend{padding:0;margin-bottom:1.25rem}
.tcards{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem}
.tcard{position:relative;cursor:pointer}.tcard input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.tc-in{display:flex;flex-direction:column;align-items:flex-start;gap:.6rem;border:2px solid var(--line);border-radius:16px;padding:1.1rem;min-height:110px;color:var(--blue);transition:border-color .2s,background .2s}
.tc-in strong{color:var(--ink)}
.tcard input:checked+.tc-in{border-color:var(--blue);background:var(--sky)}.tcard input:focus-visible+.tc-in{outline:3px solid var(--sun);outline-offset:2px}
.wz-nav{display:flex;justify-content:space-between;gap:.75rem;margin-top:1.75rem;flex-wrap:wrap}.wz-nav [data-next],.wz-nav [data-submit]{margin-left:auto}
.review{display:grid;grid-template-columns:auto 1fr;gap:.5rem 1.25rem;background:var(--sky);border-radius:16px;padding:1.25rem;margin:0 0 1.25rem}
.review dt{font-weight:600;color:var(--muted);font-size:.9rem}.review dd{margin:0;font-weight:700;color:var(--ink);overflow-wrap:anywhere}
.consent{align-items:flex-start}.consent input{margin-top:.15rem}
.qside{display:flex;flex-direction:column;gap:1rem}
.side-card{background:#fff;border-radius:20px;padding:1.5rem;border:1px solid var(--line)}.side-card.blue{background:var(--blue);color:#cbd8ff;border:0}.side-card.blue .h4{color:#fff;margin-top:.75rem}
.side-steps{padding-left:1.1rem;margin:0;display:grid;gap:.6rem;color:var(--muted)}.side-steps strong{color:var(--ink)}
.side-card a{display:inline-flex;align-items:center;gap:.4rem;font-weight:700;text-decoration:none;min-height:44px}
/* forms */
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:.9rem 1.1rem;margin-bottom:1.25rem}.fld.full{grid-column:1/-1}
.fgrid[hidden]{display:none}
.opt{color:var(--muted);font-weight:500}
.err{color:#b42318;font-size:.85rem;font-weight:600}
.fld.bad input,.fld.bad select,.fld.bad textarea,.fld.bad .naira{border-color:#b42318}
.fnote{font-size:.82rem;color:var(--muted);margin:.85rem 0 0}
.thanks{text-align:center;padding:2rem 1rem}.th-ic{width:68px;height:68px;border-radius:50%;background:#1a8f5a;color:#fff;display:inline-grid;place-items:center;margin-bottom:1rem}
/* about */
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}.val{background:#fff;border-radius:var(--r);padding:1.75rem}.val p{color:var(--muted)}
.ytl{list-style:none;margin:0;padding:0}.ytl li{display:grid;grid-template-columns:5rem 1fr;gap:1rem;padding:1rem 0;border-bottom:1px solid var(--line)}.ytl p{color:var(--muted);margin:0}
.yr{font-weight:800;color:var(--blue);font-size:1.2rem}
.tm-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}.tm{background:#fff;border-radius:var(--r);padding:1rem}.tm .ph{margin-bottom:.9rem;border-radius:14px}.tm p{color:var(--muted);margin:0;font-size:.93rem}
.reg{list-style:none;padding:0;margin:0;display:grid;gap:.75rem}.reg li{display:flex;align-items:center;gap:.75rem;background:var(--sky);border-radius:14px;padding:1rem 1.1rem;font-weight:700;color:var(--ink)}.reg .ic{color:var(--blue)}
/* faq page */
.bigsearch{position:relative;max-width:640px;margin-top:1.5rem}.bigsearch .ic{position:absolute;left:1.1rem;top:50%;transform:translateY(-50%);color:var(--muted)}
.bigsearch input{min-height:60px;border-radius:999px;padding-left:3.2rem;font-size:1.05rem;border:0;box-shadow:var(--sh2)}
.faq-page{max-width:900px}.chips{display:flex;flex-wrap:wrap;gap:.5rem;margin:-1rem 0 1.5rem}
.chip{min-height:44px;padding:.5rem 1.1rem;border-radius:999px;border:1.5px solid var(--line);background:#fff;font:700 .92rem var(--f);color:var(--ink);cursor:pointer}.chip[aria-pressed=true]{background:var(--blue);color:#fff;border-color:var(--blue)}
.empty{background:var(--sky);border-radius:14px;padding:1.25rem;margin-top:1rem}
.gloss{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:0}.gloss div{background:#fff;border-radius:var(--r);padding:1.4rem}.gloss dt{font-weight:800;color:var(--blue);margin-bottom:.3rem}.gloss dd{margin:0;color:var(--muted)}
.contact-list{list-style:none;padding:0;margin:1rem 0;display:grid;gap:.5rem}.contact-list li,.contact-list a{display:flex;align-items:center;gap:.6rem;font-weight:700;color:var(--ink);text-decoration:none;min-height:44px}
/* contact */
.ways{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.way{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.6rem;text-decoration:none;color:var(--text);transition:transform .25s,box-shadow .25s}.way:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.way p{color:var(--muted);font-size:.93rem;margin:0 0 .5rem}.way strong{color:var(--blue);overflow-wrap:anywhere}
.offices{display:grid;gap:1.25rem}.office{background:#fff;border-radius:22px;padding:1.5rem}.office p{display:flex;gap:.5rem;color:var(--muted);align-items:flex-start}.office .ic{color:var(--blue);margin-top:.15rem}
.map{height:160px;border-radius:14px;background:var(--sky) linear-gradient(90deg,transparent 48%,#fff 48% 52%,transparent 52%),var(--sky);background-image:linear-gradient(90deg,transparent 47%,#fff 47% 50%,transparent 50%),linear-gradient(0deg,transparent 55%,#fff 55% 58%,transparent 58%),linear-gradient(30deg,transparent 70%,#cfdcfb 70% 73%,transparent 73%);display:grid;place-items:center;color:var(--blue)}
.map span{width:48px;height:48px;border-radius:50%;background:#fff;display:grid;place-items:center;box-shadow:var(--sh)}
/* footer */
.ftr{background:var(--blue-dd);color:#b9c7ec;padding:clamp(3rem,6vw,4.5rem) 0 1.5rem}
.ftr-cta{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:24px;padding:clamp(1.5rem,4vw,2.5rem);margin-bottom:3rem}
.ftr-cta h2{color:#fff;font-size:clamp(1.4rem,2.6vw,2rem);font-weight:800}.ftr-cta p{margin:0}.ftr-cta-act{display:flex;gap:.75rem;flex-wrap:wrap}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.4fr;gap:2rem}
.ftr-s{margin-top:1rem;font-size:.93rem}.ftr-s.small{font-size:.8rem;color:#93a4d6}
.ftr-h{font-size:.82rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--sun);margin-bottom:.9rem}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin-bottom:.2rem}.ftr li a{color:#dbe4ff;text-decoration:none;display:inline-flex;align-items:center;gap:.5rem;min-height:36px}.ftr a:hover{color:#fff}
.ftr-c li{display:flex;gap:.5rem;align-items:flex-start;padding:.3rem 0;font-size:.93rem}.ftr-c .ic{color:var(--sun)}
.ftr-base{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.1);margin-top:2.5rem;padding-top:1.25rem;font-size:.84rem}.ftr-base a{color:#dbe4ff}
/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.mq-t{animation:none}html{scroll-behavior:auto}.btn:hover,.cc:hover{transform:none}}
/* responsive */
@media (max-width:1100px){.xgrid,.tm-grid,.stats,.specs{grid-template-columns:repeat(2,1fr)}.csteps,.hsteps{grid-template-columns:1fr 1fr}}
@media (max-width:900px){
 .hero-in,.phero-in,.split,.faq-wrap,.qgrid,.cta-card{grid-template-columns:1fr}
 .hero-side{display:flex;flex-direction:column}.hero-ph{width:100%;aspect-ratio:16/10!important}.qq{position:relative;bottom:auto;width:100%;margin-top:-3rem;left:auto}
 .cc-grid,.rgrid,.tq-grid,.plans,.vals,.ways,.gloss{grid-template-columns:1fr 1fr}
 .prow{grid-template-columns:auto 1fr}.prow-act{grid-column:1/-1}
 .biz-grid{grid-template-columns:1fr}
 .qgrid{margin-top:-4rem}
 .ftr-grid{grid-template-columns:1fr 1fr}
 .hosp-list{grid-template-columns:1fr 1fr}
 .float-card{left:1rem}
}
@media (max-width:600px){
 .cc-grid,.rgrid,.tq-grid,.plans,.vals,.ways,.gloss,.xgrid,.csteps,.hsteps,.docs,.ftr-grid,.gal,.mini.two,.fgrid,.hosp-list{grid-template-columns:1fr}
 .stats,.specs,.tm-grid{grid-template-columns:1fr 1fr}.st{padding:1.1rem}
 .tcards{grid-template-columns:1fr 1fr}
 .prow{grid-template-columns:1fr;padding:1.4rem}
 .wz-prog li{font-size:0;gap:0}.wz-prog li span{font-size:.85rem}
 .calc-out{grid-template-columns:1fr}
 .duo .ph:last-child{margin-top:1.5rem}
 .cta-card .acts .btn{width:100%}
 .track-row{flex-direction:column}
 .hero-chips{gap:.5rem 1rem}
 .float-card{position:relative;left:auto;margin:-2rem 1rem 0}
 .stack-media{padding-bottom:0}
 .review{grid-template-columns:1fr;gap:.1rem}.review dd{margin-bottom:.6rem}
}