.util-page{--u-blue:#06449b;--u-blue2:#0a77e8;--u-navy:#062d67;--u-orange:#ff6b1a;--u-ice:#f2f9ff;--u-line:#d8e9f7;--u-text:#5b718b;color:#173b66;background:#fff;overflow:hidden}
.util-page .container{max-width:1240px;margin:auto;padding-left:24px;padding-right:24px}.util-kicker{display:inline-flex;font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase;color:var(--u-orange)}
.util-hero{position:relative;min-height:560px;background:#07366f;overflow:hidden}.util-hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.util-hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(2,35,79,.98) 0%,rgba(3,47,101,.94) 39%,rgba(2,49,106,.6) 58%,rgba(0,0,0,.07) 100%)}
.util-breadcrumb{position:relative;z-index:2;display:flex;gap:8px;padding-top:20px;color:#d9eaff;font-size:13px}.util-breadcrumb a{color:#fff;text-decoration:none}.util-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.1fr .46fr;gap:36px;align-items:center;min-height:505px}.util-hero-copy{max-width:690px;color:#fff}.util-hero-copy .util-kicker{color:#ffb27c}.util-hero-copy h1{font-size:60px;line-height:1.01;letter-spacing:-.04em;margin:8px 0 14px;font-weight:900}.util-hero-copy h1 span{color:var(--u-orange)}.util-hero-copy>p{font-size:18px;line-height:1.58;color:#edf6ff;max-width:650px}.util-hero-bullets{list-style:none;padding:0;margin:18px 0 24px;display:grid;gap:8px;font-size:14px;font-weight:800}.util-hero-bullets li{display:flex;gap:8px}.util-actions{display:flex;gap:12px;flex-wrap:wrap}.util-btn-secondary{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 20px;border:1px solid rgba(255,255,255,.62);border-radius:12px;color:#fff;background:rgba(255,255,255,.08);backdrop-filter:blur(8px);text-decoration:none;font-weight:900}
.util-hero-badges{justify-self:end;width:min(100%,270px);display:grid;gap:11px}.util-hero-badges>div{display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.95);border:1px solid rgba(255,255,255,.55);box-shadow:0 16px 35px rgba(0,24,70,.16);padding:11px 13px;border-radius:14px}.util-hero-badges img{width:54px;height:54px;object-fit:contain}.util-hero-badges section{display:grid}.util-hero-badges strong{color:#06449b;font-size:14px}.util-hero-badges small{color:#708199;font-weight:700}
.util-trust-strip{position:relative;z-index:4;margin-top:0;padding:14px 0 0;background:#fff}.util-trust-grid{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--u-line);border-radius:17px;background:#fff;box-shadow:0 10px 28px rgba(7,56,115,.08);overflow:hidden}.util-trust-grid article{display:flex;gap:10px;align-items:center;padding:15px;border-right:1px solid #edf3f8}.util-trust-grid article:last-child{border-right:0}.util-trust-grid b{font-size:28px}.util-trust-grid strong{display:block;color:#0b4b9a;font-size:12px}.util-trust-grid small{display:block;color:#6a7f96;font-size:10.5px;line-height:1.35;margin-top:3px}
.util-section{padding:70px 0}.util-head{text-align:center;max-width:850px;margin:0 auto 32px}.util-head h2,.util-why h2,.util-advisor h2,.util-faq h2,.util-final h2{font-size:38px;line-height:1.12;letter-spacing:-.025em;color:#063d8b;margin:8px 0 10px}.util-head p,.util-why p,.util-advisor p,.util-final p{color:var(--u-text);line-height:1.62;margin:0}
.util-profile-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.util-profile-card{display:block;border:1px solid var(--u-line);border-radius:17px;background:#fff;overflow:hidden;text-decoration:none;box-shadow:0 9px 24px rgba(7,56,115,.055);transition:.25s}.util-profile-card:hover{transform:translateY(-5px);box-shadow:0 17px 34px rgba(7,56,115,.12)}.util-profile-card img{width:100%;aspect-ratio:4/3;object-fit:cover}.util-profile-card div{padding:18px}.util-profile-card h3{font-size:18px;color:#063d8b;margin:0 0 8px}.util-profile-card p{font-size:13px;line-height:1.5;color:#687c92;margin:0 0 12px}.util-profile-card span{font-size:12px;color:#0a73df;font-weight:900}
.util-why{background:#f7fbfe}.util-why-grid{display:grid;grid-template-columns:1fr .9fr;gap:52px;align-items:center}.util-why h2{font-size:39px}.util-why p{margin:0 0 13px}.util-why ul{list-style:none;padding:0;margin:20px 0 23px;display:grid;gap:9px}.util-why li{font-size:14px;color:#315a84;font-weight:700}.util-why-image{position:relative}.util-why-image>img{width:100%;border-radius:20px;box-shadow:0 20px 50px rgba(5,45,95,.13)}.util-floating-card{position:absolute;display:flex;align-items:center;gap:9px;background:rgba(255,255,255,.96);border:1px solid #e0edf7;border-radius:13px;padding:10px 12px;box-shadow:0 15px 35px rgba(7,56,115,.12);color:#074598;font-size:12px;font-weight:900}.util-floating-card img{width:46px;height:46px;object-fit:contain}.util-floating-card.one{left:-28px;top:16%}.util-floating-card.two{right:-24px;bottom:9%}
.util-formulas{background:#edf8ff}.util-formula-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.util-formula-card{position:relative;background:#fff;border:1px solid #cae0f2;border-radius:17px;padding:24px 20px;box-shadow:0 8px 22px rgba(7,56,115,.05)}.util-formula-card.is-featured{border:2px solid var(--u-orange);box-shadow:0 16px 32px rgba(255,107,26,.13);transform:translateY(-6px)}.util-formula-badge{position:absolute;top:-12px;left:50%;transform:translateX(-50%);background:var(--u-orange);color:#fff;padding:5px 12px;border-radius:18px;font-size:11px;font-weight:900;white-space:nowrap}.util-formula-symbol{font-size:35px}.util-formula-card h3{font-size:21px;color:#063d8b;margin:8px 0}.util-formula-card>p{color:#6b7f95;font-size:13px;line-height:1.5;min-height:58px}.util-formula-card ul{list-style:none;padding:0;margin:17px 0 22px;display:grid;gap:9px;font-size:12px;color:#345d86}.util-formula-link{display:flex;justify-content:center;padding:12px;border:1px solid #9ec8eb;border-radius:10px;color:#096bd1;text-decoration:none;font-weight:900;font-size:13px}.util-formula-link.is-orange{background:var(--u-orange);border-color:var(--u-orange);color:#fff}.util-disclaimer{text-align:center;color:#72869b;font-size:11.5px;margin:19px auto 0;max-width:900px}
.util-vehicle-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.util-vehicle-grid article{border:1px solid var(--u-line);border-radius:16px;overflow:hidden;background:#fff}.util-vehicle-grid img{width:100%;aspect-ratio:4/3;object-fit:cover}.util-vehicle-grid div{padding:16px}.util-vehicle-grid h3{color:#063d8b;font-size:17px;margin:0 0 7px}.util-vehicle-grid p{color:#697e94;font-size:12.5px;line-height:1.48;min-height:55px}.util-vehicle-grid a{color:#0a72de;text-decoration:none;font-size:12px;font-weight:900}
.util-editorial-wrap{background:#fbfdff;padding-top:28px}.util-editorial-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.util-editorial-card{position:relative;border:1px solid var(--u-line);background:#fff;border-radius:18px;padding:28px;overflow:hidden}.util-number{position:absolute;right:18px;top:7px;font-size:58px;line-height:1;color:#e7f2fb;font-weight:900}.util-editorial-card h2{position:relative;font-size:26px;line-height:1.18;color:#063d8b;margin:8px 0 12px;max-width:85%}.util-editorial-card p{color:#5d748d;line-height:1.67;font-size:14px}
.util-steps{background:#f4faff}.util-step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.util-step-grid article{position:relative;text-align:center;border:1px solid var(--u-line);border-radius:16px;background:#fff;padding:25px 17px}.util-step-grid article>span{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;margin:-44px auto 15px;background:linear-gradient(135deg,#0b7aee,#06469e);color:#fff;font-weight:900;font-size:18px;box-shadow:0 8px 18px rgba(7,75,154,.2)}.util-step-grid h3{color:#063d8b;font-size:16px;margin:0 0 7px}.util-step-grid p{font-size:12px;color:#697d92;line-height:1.48}
.util-support-faq{padding-top:48px}.util-support-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:20px;align-items:stretch}.util-advisor{display:grid;grid-template-columns:.75fr 1.25fr;background:linear-gradient(135deg,#084695,#0b78e7);color:#fff;border-radius:19px;overflow:hidden;min-height:340px}.util-advisor>img{width:100%;height:100%;object-fit:cover}.util-advisor>div{padding:28px 24px}.util-advisor .util-kicker{color:#ffb37d}.util-advisor h2{color:#fff;font-size:28px}.util-advisor p{color:#e1efff;font-size:14px}.util-advisor .btn{margin-top:15px;width:100%;box-sizing:border-box}.util-phone{display:flex;justify-content:center;margin-top:10px;padding:12px;border-radius:10px;background:#fff;color:#07489b;text-decoration:none;font-weight:900}.util-faq{border:1px solid var(--u-line);border-radius:19px;padding:22px;background:#fff}.util-faq-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px}.util-faq-head h2{font-size:27px;margin-top:5px}.util-faq-head>a{font-size:11px;color:#0a6ed8;text-decoration:none;font-weight:900}.util-faq details{border-bottom:1px solid #e3edf6}.util-faq details:last-child{border-bottom:0}.util-faq summary{display:flex;justify-content:space-between;gap:10px;list-style:none;cursor:pointer;padding:13px 2px;color:#06459a;font-size:13px;font-weight:900}.util-faq summary::-webkit-details-marker{display:none}.util-faq details p{font-size:12.5px;line-height:1.56;color:#627990;margin:0;padding:0 2px 14px}
.util-final{padding:0 0 70px}.util-final-card{position:relative;overflow:hidden;isolation:isolate;display:flex;justify-content:space-between;align-items:center;gap:30px;padding-top:30px!important;padding-bottom:30px!important;border:1px solid var(--u-line);border-radius:18px;background:#fff;box-shadow:0 12px 32px rgba(7,56,115,.08)}.util-final-card:before{content:"";position:absolute;z-index:-2;inset:0;background:linear-gradient(90deg,rgba(246,251,255,.995),rgba(246,251,255,.96) 62%,rgba(246,251,255,.5)),var(--util-final-bg) right center/48% auto no-repeat}.util-final h2{font-size:27px;margin:5px 0}.util-final p{font-size:13px}.util-final-actions{display:flex;gap:10px;flex-shrink:0}.util-final .util-btn-secondary{border-color:#bfd7eb;color:#0750a4;background:#fff}
@media(max-width:1100px){.util-trust-grid{grid-template-columns:repeat(3,1fr)}.util-profile-grid,.util-formula-grid,.util-vehicle-grid{grid-template-columns:repeat(2,1fr)}.util-formula-card.is-featured{transform:none}.util-step-grid{grid-template-columns:repeat(2,1fr);row-gap:34px}.util-support-grid{grid-template-columns:1fr}.util-advisor{grid-template-columns:230px 1fr}}
@media(max-width:820px){.util-hero{min-height:650px}.util-hero-grid{grid-template-columns:1fr;align-content:center}.util-hero-copy h1{font-size:47px}.util-hero-badges{display:none}.util-why-grid{grid-template-columns:1fr}.util-why-image{order:-1}.util-floating-card.one{left:8px}.util-floating-card.two{right:8px}.util-editorial-grid{grid-template-columns:1fr}.util-final-card{display:grid}.util-final-actions{width:100%}.util-final-actions>a{flex:1}.util-final-card:before{background:linear-gradient(90deg,rgba(246,251,255,.995),rgba(246,251,255,.95)),var(--util-final-bg) center/cover no-repeat}}
@media(max-width:620px){.util-page .container{padding-left:16px;padding-right:16px}.util-hero{min-height:620px}.util-hero-overlay{background:linear-gradient(180deg,rgba(2,35,79,.96),rgba(3,47,101,.92) 70%,rgba(3,47,101,.72))}.util-hero-bg{object-position:58% center}.util-hero-copy h1{font-size:38px}.util-hero-copy>p{font-size:15px}.util-actions{display:grid}.util-actions>a{width:100%;box-sizing:border-box}.util-trust-grid{grid-template-columns:1fr}.util-trust-grid article{border-right:0;border-bottom:1px solid #edf3f8}.util-section{padding:52px 0}.util-head h2,.util-why h2{font-size:30px}.util-profile-grid{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:8px}.util-profile-card{min-width:280px;scroll-snap-align:start}.util-formula-grid,.util-vehicle-grid{grid-template-columns:1fr}.util-why-image{padding:0 4px}.util-floating-card{position:static;margin-top:8px}.util-editorial-card{padding:22px}.util-editorial-card h2{font-size:23px;max-width:100%}.util-step-grid{grid-template-columns:1fr;row-gap:34px}.util-advisor{grid-template-columns:1fr}.util-advisor>img{height:230px;object-position:center 25%}.util-faq-head{display:block}.util-final-actions{display:grid}.util-final-actions>a{width:100%;box-sizing:border-box}.util-final-card{padding-top:24px!important;padding-bottom:24px!important}.util-final h2{font-size:24px}}