#header-container{margin-bottom:0}footer{margin-top:0}#header-container:has(.ref-hero){background:#121212;background-image:none;position:relative;overflow:hidden}.ref-hero{position:relative;z-index:1;padding:75px 20px 64px;color:#fff;font-family:'K2D',sans-serif}.ref-hero__inner{max-width:1170px;margin:0 auto;display:grid;grid-template-columns:1.1fr 1fr;gap:56px;align-items:center}.ref-hero__badge{display:inline-flex;align-items:stretch;border:2px solid #00b544;border-radius:999px;overflow:hidden;margin-bottom:40px;font-family:'Oswald',sans-serif;font-weight:700;font-size:20px;letter-spacing:.10em;text-transform:uppercase}.ref-hero__badge-half{padding:6px 16px;color:#00b544}.ref-hero__badge-half--accent{background:#00b544;color:#121212}.ref-hero__title{font-family:'K2d',sans-serif;font-weight:700;font-size:56px;line-height:1.02;color:#fff;margin:0 0 22px !important;text-transform:none}.ref-hero__sub{font-size:19px !important;line-height:1.55;color:rgba(255,255,255,0.82);max-width:540px;margin:0 0 30px !important}.ref-hero__ctas{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:28px}.ref-hero__features{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px}.ref-hero__features li{display:flex;align-items:center;gap:14px;font-family:'K2D',sans-serif;font-weight:600;font-size:15px;color:#fff;line-height:1.3}.ref-hero__features li::before{content:'\2713';flex-shrink:0;width:24px;height:24px;border-radius:50%;background:rgba(0,181,68,0.18);color:#00b544;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700}@media(max-width:991px){.ref-hero__features{display:none}}@media(min-width:768px) and (max-width:991px){.ref-hero{padding-top:160px}}.ref-hero__photo{position:relative}.ref-hero__slides{position:relative;width:100%;aspect-ratio:8 / 9;border-radius:8px;overflow:hidden}.ref-hero__slide{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block;opacity:0;transition:opacity .6s ease}.ref-hero__slide.is-active{opacity:1}.ref-hero__progress{position:absolute;bottom:14px;left:14px;right:14px;display:flex;gap:6px;z-index:1;pointer-events:none}.ref-hero__progress-segment{flex:1;height:3px;border-radius:999px;background:rgba(255,255,255,0.28);overflow:hidden}.ref-hero__progress-fill{display:block;height:100%;width:0;background:rgba(255,255,255,0.85);border-radius:inherit}.ref-hero__progress-segment.is-done .ref-hero__progress-fill{width:100%}.ref-hero__progress-segment.is-active .ref-hero__progress-fill{animation:ref-progress 8s linear forwards}@keyframes ref-progress{from{width:0}to{width:100%}}html:not(.js-anim) .ref-hero__progress{display:none}.ref-hero__floating{position:absolute;z-index:2;background:#fff;color:#1a1a1a;border-radius:10px;padding:14px 18px;box-shadow:0 12px 28px rgba(0,0,0,0.28);display:flex;align-items:center;gap:14px;min-width:220px;--baseline-y:0;transform:translateY(var(--baseline-y))}.ref-hero__floating--tr{top:95px;right:25px;bottom:auto;left:auto}.ref-hero__floating--bl{bottom:25px;left:25px;top:auto;right:auto}.ref-hero__floating--tl{top:25px;left:25px;bottom:auto;right:auto}.ref-hero__floating--br{bottom:25px;right:25px;top:auto;left:auto}.ref-hero__floating--ml{top:50%;left:25px;bottom:auto;right:auto;--baseline-y:-50%}.ref-hero__floating--mr{top:50%;right:25px;bottom:auto;left:auto;--baseline-y:-50%}.ref-hero__floating-icon{width:44px;height:44px;border-radius:50%;background:#009639;color:#fff;font-family:'Oswald',sans-serif;font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.ref-hero__floating-amount{font-family:'Oswald',sans-serif;font-weight:700;font-size:22px;line-height:1}.ref-hero__floating-label{font-size:12px;color:#777;margin-top:4px}.ref-calc__field{margin-bottom:24px}.ref-calc__field-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}.ref-calc__field-value{font-family:'Oswald',sans-serif;font-weight:700;font-size:24px;color:#009639}.ref-calc__slider{-webkit-appearance:none;appearance:none;width:100%;height:8px;background:#f0f0f0;border:1px solid #e4e4e4;border-radius:999px;outline:0;cursor:pointer;margin:0}.ref-calc__slider::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:2.5px solid #009639;cursor:pointer;box-shadow:0 2px 6px rgba(0,0,0,0.15)}.ref-calc__slider::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:2.5px solid #009639;cursor:pointer;box-shadow:0 2px 6px rgba(0,0,0,0.15)}.ref-calc__divider{border:0;border-top:1px dashed #e4e4e4;margin:8px 0 10px}.ref-calc__result-row{display:flex;justify-content:space-between;align-items:flex-end;gap:18px;flex-wrap:wrap}.ref-calc__result .eyebrow{margin-bottom:0 !important}.ref-calc__result-value{font-family:'Oswald',sans-serif;font-weight:700;font-size:56px;line-height:1;color:#009639;margin:6px 0 4px;padding-bottom:12px}.ref-feature__item+.ref-feature__item{border-top:1px solid #e4e4e4;padding-top:22px;margin-top:22px}.ref-feature__item-title{display:flex;align-items:center;gap:14px}.ref-feature__item-icon{flex-shrink:0;width:40px;height:40px;border-radius:50%;background:#ebf7ee;color:#009639;display:flex;align-items:center;justify-content:center}.ref-feature__item-icon svg{width:22px;height:22px}.ref-feature__item-icon i{font-size:20px}.ref-feature__item-body strong{color:#1a1a1a}.ref-feature__item-body a{color:#009639;border-bottom:1px solid rgba(0,150,57,0.35);text-decoration:none;transition:border-color .15s,color .15s}.ref-feature__item-body a:hover{color:#007a2e;border-bottom-color:currentColor;text-decoration:none}.ref-feature__item-body a strong{color:inherit}.ref-rules{background:#fafafa;padding:28px 20px 56px}.ref-rules__inner{max-width:1170px;margin:0 auto}.ref-rules__title{display:flex;align-items:center;gap:14px;font-family:'Oswald',sans-serif;font-weight:700;font-size:36px;line-height:1.1;color:#1a1a1a;margin:0 0 24px;text-transform:none}.ref-rules__icon{flex-shrink:0;width:1em;height:1em;color:#009639}.ref-rules__list{font-family:'K2D',sans-serif;font-size:14px;line-height:1.7;color:#6a6a6a;margin:0;padding-left:20px;max-width:880px}.ref-rules__list li+li{margin-top:8px}.ref-rules__list strong{color:#1a1a1a}.ref-cta{background:#121212;color:#fff;padding:64px 20px;text-align:center}.ref-cta__inner{max-width:720px;margin:0 auto}.ref-cta__title{font-family:'Oswald',sans-serif;font-weight:700;font-size:46px;line-height:1.1;color:#fff;margin:0 0 14px;text-transform:none}.ref-cta__sub{font-family:'K2D',sans-serif;font-size:18px;line-height:1.55;color:rgba(255,255,255,0.78);margin:0 0 28px !important}.ref-cta__alt{font-family:'K2D',sans-serif;font-size:14px;color:rgba(255,255,255,0.65);margin:22px 0 0 !important}.ref-cta__alt a{color:#00b544;font-weight:600;text-decoration:none}.ref-cta__alt a:hover{text-decoration:underline}.ref-photo-card{display:none}@media(max-width:991px){.ref-hero__title{font-size:48px}}@media(max-width:767px){.ref-hero__inner{grid-template-columns:1fr;gap:0}.ref-hero__inner .ref-hero__photo{display:none}.ref-photo-card{display:block;background:#fafafa;padding:48px 16px 0}.ref-photo-card__inner{max-width:360px;margin:0 auto}.ref-photo-card .ref-hero__floating--tr,.ref-photo-card .ref-hero__floating--br{top:auto;left:auto;right:-12px;bottom:-20px}.ref-photo-card .ref-hero__floating--bl,.ref-photo-card .ref-hero__floating--tl{top:-20px;left:-12px;right:auto;bottom:auto}.ref-photo-card .ref-hero__floating--ml{top:50%;left:-12px;right:auto;bottom:auto}.ref-photo-card .ref-hero__floating--mr{top:50%;right:-12px;left:auto;bottom:auto}}@media(max-width:767px){.ref-hero{padding:24px 16px 48px}.ref-hero__title{font-size:42px}.ref-hero__sub{font-size:15px !important}.ref-hero__ctas{flex-direction:column;align-items:center}.ref-hero__ctas .btn{width:80%;margin:0}.ref-photo-card{padding:36px 16px 0}.ref-photo-card__inner{max-width:320px}.ref-photo-card .ref-hero__floating--tr,.ref-photo-card .ref-hero__floating--br{right:-8px;bottom:-16px}.ref-photo-card .ref-hero__floating--bl,.ref-photo-card .ref-hero__floating--tl{left:-8px;top:-16px}.ref-photo-card .ref-hero__floating--ml{left:-8px}.ref-photo-card .ref-hero__floating--mr{right:-8px}.ref-rules__title{font-size:28px}.ref-rules{padding:24px 16px 48px}.ref-calc__result-value{font-size:44px}.ref-cta{padding:48px 16px}.ref-cta__title{font-size:32px}.ref-cta__sub{font-size:16px}}@keyframes ref-hero-rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}@keyframes ref-callout-drop{0{opacity:0;transform:translateY(calc(var(--baseline-y,0) - 24px)) scale(0.94)}65%{opacity:1;transform:translateY(calc(var(--baseline-y,0)+3px)) scale(1.015)}100%{opacity:1;transform:translateY(var(--baseline-y,0)) scale(1)}}@keyframes ref-icon-ding{0{transform:scale(1);box-shadow:0 0 0 0 rgba(0,150,57,0.55)}40%{transform:scale(1.14)}100%{transform:scale(1);box-shadow:0 0 0 18px rgba(0,150,57,0)}}.js-anim .ref-hero__badge,.js-anim .ref-hero__title,.js-anim .ref-hero__sub,.js-anim .ref-hero__ctas,.js-anim .ref-hero__features{opacity:0;animation:ref-hero-rise .7s cubic-bezier(0.16,1,0.3,1) forwards}.js-anim .ref-hero__badge{animation-delay:.10s}.js-anim .ref-hero__title{animation-delay:.18s}.js-anim .ref-hero__sub{animation-delay:.26s}.js-anim .ref-hero__ctas{animation-delay:.34s}.js-anim .ref-hero__features{animation-delay:.42s}.js-anim .ref-hero__floating{opacity:0;transition:opacity .25s ease}.js-anim .ref-hero__floating.is-visible{animation:ref-callout-drop .55s cubic-bezier(0.34,1.3,0.64,1) forwards}.js-anim .ref-hero__floating.is-visible .ref-hero__floating-icon{animation:ref-icon-ding .7s ease-out .55s}.js-anim .ref-hero__floating.is-first.is-visible{animation-delay:.4s}.js-anim .ref-hero__floating.is-first.is-visible .ref-hero__floating-icon{animation-delay:.95s}