@import url('https://fonts.googleapis.com/css2?family=Oswald:wght@500;700&family=Inter:wght@400;600&display=swap');

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

:root{
  --bg-base:#0d1d4a;
  --bg-card:#142c66;
  --bg-card-2:#1a3a8e;
  --accent:#4ec51e;
  --accent-dark:#3aa314;
  --highlight:#ffcc1f;
  --text:#f5f7ff;
  --muted:#9bb0e3;
  --border:#2a4296;
  --radius-sm:6px;
  --radius:12px;
  --radius-lg:20px;
  --shadow:0 8px 24px rgba(0,0,0,.35);
  --shadow-lg:0 16px 40px rgba(0,0,0,.45);
  --t:.25s ease;
  --font-h:'Oswald',Impact,system-ui,sans-serif;
  --font-b:'Inter',-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;
}

html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-b);
  font-size:16px;
  line-height:1.6;
  color:var(--text);
  background:var(--bg-base);
  background-image:
    radial-gradient(circle at 15% 10%, rgba(255,204,31,.08), transparent 40%),
    radial-gradient(circle at 85% 70%, rgba(78,197,30,.08), transparent 45%);
  background-attachment:fixed;
  padding-bottom:78px;
  overflow-x:hidden;
}
::-webkit-scrollbar{width:10px;height:10px}
::-webkit-scrollbar-track{background:var(--bg-base)}
::-webkit-scrollbar-thumb{background:var(--border);border-radius:6px}
::-webkit-scrollbar-thumb:hover{background:var(--accent)}

h1,h2,h3,h4{font-family:var(--font-h);font-weight:700;line-height:1.15;letter-spacing:.5px;text-transform:uppercase}
h1{font-size:clamp(1.9rem,6vw,3.4rem);margin-bottom:1rem;color:var(--text)}
h1 span.pz4_hl{color:var(--highlight)}
h2{font-size:clamp(1.5rem,4vw,2.2rem);margin:2.4rem 0 1rem;color:var(--text)}
h3{font-size:clamp(1.15rem,2.8vw,1.4rem);margin:1.4rem 0 .6rem;color:var(--highlight);letter-spacing:.4px}
h4{font-size:1.05rem;margin:1rem 0 .5rem;color:var(--text)}
p{margin-bottom:1rem;color:var(--text)}
strong{color:var(--highlight);font-weight:600}
a{color:var(--accent);text-decoration:none;transition:color var(--t)}
a:hover{color:var(--highlight)}
ul,ol{margin:0 0 1rem 1.2rem}
li{margin-bottom:.45rem;color:var(--text)}
img{max-width:100%;height:auto;display:block}

.pz4_container{width:100%;max-width:1180px;margin:0 auto;padding:0 18px}

.pz4_btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  padding:14px 22px;
  font-family:var(--font-h);font-weight:700;font-size:1rem;letter-spacing:1px;text-transform:uppercase;
  border:none;border-radius:var(--radius);cursor:pointer;
  transition:transform var(--t),box-shadow var(--t),background var(--t);
  min-height:48px;
}
.pz4_btn:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.pz4_btn--primary{background:linear-gradient(180deg,var(--accent),var(--accent-dark));color:#08210a;box-shadow:0 6px 0 #2c7a0f,0 10px 24px rgba(78,197,30,.35)}
.pz4_btn--primary:hover{color:#08210a;background:linear-gradient(180deg,#5fd928,var(--accent-dark))}
.pz4_btn--gold{background:linear-gradient(180deg,var(--highlight),#e6a607);color:#3b2400;box-shadow:0 6px 0 #a87d04,0 10px 24px rgba(255,204,31,.35)}
.pz4_btn--gold:hover{color:#3b2400}
.pz4_btn--outline{background:transparent;color:var(--text);border:2px solid var(--border)}
.pz4_btn--outline:hover{border-color:var(--highlight);color:var(--highlight)}
.pz4_btn--full{width:100%}
.pz4_btn--lg{padding:18px 28px;font-size:1.1rem;min-height:56px}
.pz4_btn--sm{padding:10px 16px;font-size:.85rem;min-height:40px}

/* === HEADER NAV === */
.pz4_header{
  position:sticky;top:0;z-index:50;
  background:rgba(13,29,74,.92);
  backdrop-filter:blur(10px);
  -webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
}
.pz4_nav{display:flex;align-items:center;justify-content:space-between;padding:10px 0;gap:1rem;min-height:88px}
.pz4_logo{display:flex;align-items:center;gap:.6rem;font-family:var(--font-h);font-size:1.4rem;color:var(--highlight);letter-spacing:1.5px}
.pz4_logo img{width:72px;height:72px;object-fit:contain}
@media (min-width:768px){.pz4_logo img{width:88px;height:88px}}
.pz4_navlinks{display:none;gap:1.4rem;list-style:none;margin:0}
.pz4_navlinks a{color:var(--text);font-weight:600;font-size:.95rem;letter-spacing:.4px}
.pz4_navlinks a:hover{color:var(--highlight)}
.pz4_nav-cta{display:none}
.pz4_nav-toggle{
  display:flex;flex-direction:column;justify-content:center;gap:5px;
  width:44px;height:44px;background:transparent;border:1px solid var(--border);border-radius:8px;cursor:pointer;
  align-items:center;
}
.pz4_nav-toggle span{width:22px;height:2px;background:var(--text);display:block;border-radius:2px;transition:transform var(--t)}
.pz4_mobile-nav{
  display:none;
  position:fixed;top:70px;left:0;right:0;
  background:var(--bg-card);border-top:1px solid var(--border);
  padding:1rem 18px 2rem;
  max-height:calc(100vh - 70px);overflow-y:auto;
  z-index:49;
}
.pz4_mobile-nav.open{display:block}
.pz4_mobile-nav ul{list-style:none;margin:0}
.pz4_mobile-nav li{margin:0;border-bottom:1px solid var(--border)}
.pz4_mobile-nav a{display:block;padding:14px 4px;color:var(--text);font-weight:600}
.pz4_mobile-nav .pz4_btn{margin-top:1rem}

/* === TICKER === */
.pz4_ticker{
  background:linear-gradient(90deg,#0a1736,var(--bg-card),#0a1736);
  border-bottom:1px solid var(--border);
  overflow:hidden;font-size:.9rem;color:var(--muted);
}
.pz4_ticker-track{display:flex;gap:3rem;padding:.6rem 0;white-space:nowrap;animation:pz4_marquee 40s linear infinite;will-change:transform}
.pz4_ticker-track span{display:inline-flex;align-items:center;gap:.4rem}
.pz4_ticker-track strong{color:var(--highlight)}
@keyframes pz4_marquee{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* === HERO === */
.pz4_hero{padding:2rem 0 3rem;position:relative;overflow:hidden}
.pz4_hero::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(ellipse at top right, rgba(255,204,31,.15), transparent 60%);
  pointer-events:none;
}
.pz4_hero-grid{display:grid;grid-template-columns:1fr;gap:1.6rem;position:relative}
.pz4_hero-eyebrow{display:inline-flex;align-items:center;gap:.5rem;padding:6px 14px;background:rgba(255,204,31,.12);color:var(--highlight);border:1px solid rgba(255,204,31,.3);border-radius:99px;font-size:.78rem;font-weight:600;letter-spacing:1px;text-transform:uppercase;margin-bottom:1rem}
.pz4_hero-lead{font-size:1.06rem;color:var(--muted);margin-bottom:1.3rem;max-width:540px}
.pz4_hero-cta-row{display:flex;flex-direction:column;gap:.7rem;margin-bottom:1.5rem}
.pz4_hero-meta{display:flex;flex-wrap:wrap;gap:.8rem 1.4rem;font-size:.85rem;color:var(--muted)}
.pz4_hero-meta strong{color:var(--text)}
.pz4_hero-card{
  background:linear-gradient(160deg,var(--bg-card-2),var(--bg-card));
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:1.6rem 1.4rem;
  box-shadow:var(--shadow-lg);
  position:relative;
}
.pz4_hero-card::after{
  content:"";position:absolute;inset:0;border-radius:var(--radius-lg);pointer-events:none;
  background:linear-gradient(180deg,transparent 70%,rgba(255,204,31,.07));
}
.pz4_hero-card .pz4_label{display:inline-block;padding:4px 12px;border-radius:99px;background:var(--accent);color:#08210a;font-size:.72rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;margin-bottom:.8rem}
.pz4_hero-card .pz4_amount{font-family:var(--font-h);font-size:clamp(2rem,7vw,2.6rem);color:var(--highlight);line-height:1;margin-bottom:.4rem}
.pz4_hero-card .pz4_amount-sub{font-size:1rem;color:var(--text);margin-bottom:1.1rem;font-weight:600}
.pz4_hero-card ul{list-style:none;margin:0 0 1.2rem}
.pz4_hero-card li{display:flex;align-items:flex-start;gap:.55rem;font-size:.93rem;color:var(--muted);margin-bottom:.5rem}
.pz4_hero-card li::before{content:"✓";color:var(--accent);font-weight:700}
.pz4_hero-card .pz4_promo{margin-top:.8rem;padding:10px 14px;background:rgba(78,197,30,.1);border:1px dashed var(--accent);border-radius:8px;font-size:.85rem;color:var(--text);text-align:center}

/* === TRUST BAR === */
.pz4_trust{padding:1.6rem 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:rgba(0,0,0,.15)}
.pz4_trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;text-align:center}
.pz4_trust-item{padding:.5rem}
.pz4_trust-item .pz4_t-num{font-family:var(--font-h);font-size:1.6rem;color:var(--highlight);display:block}
.pz4_trust-item .pz4_t-lbl{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:1px}

/* === SECTIONS === */
.pz4_section{padding:2.4rem 0;content-visibility:auto;contain-intrinsic-size:0 600px}
.pz4_section--alt{background:linear-gradient(180deg,transparent,rgba(20,44,102,.4),transparent)}
.pz4_lead{font-size:1.05rem;color:var(--muted);max-width:760px;margin-bottom:1.4rem}

/* === TABLES === */
.pz4_table-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--border);margin:1.2rem 0}
.pz4_table{width:100%;border-collapse:collapse;font-size:.92rem;min-width:520px}
.pz4_table th,.pz4_table td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--border)}
.pz4_table th{background:var(--bg-card);color:var(--highlight);font-family:var(--font-h);text-transform:uppercase;letter-spacing:.6px;font-size:.85rem}
.pz4_table tr:last-child td{border-bottom:none}
.pz4_table tr:nth-child(even) td{background:rgba(20,44,102,.35)}
.pz4_table td strong{color:var(--text)}

/* === CARDS GRID === */
.pz4_grid{display:grid;grid-template-columns:1fr;gap:1.1rem;margin:1.4rem 0}
.pz4_card{
  background:var(--bg-card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:1.4rem;
  transition:transform var(--t),border-color var(--t);
}
.pz4_card:hover{transform:translateY(-4px);border-color:var(--highlight)}
.pz4_card h3{margin-top:0}
.pz4_card .pz4_card-icon{
  width:48px;height:48px;border-radius:12px;
  background:linear-gradient(135deg,var(--highlight),#e6a607);
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-h);font-size:1.5rem;color:#3b2400;margin-bottom:.8rem;
}
.pz4_card p{font-size:.93rem;color:var(--muted);margin-bottom:0}

/* === STEPS === */
.pz4_steps{counter-reset:step;list-style:none;margin:1.5rem 0;padding:0}
.pz4_steps li{
  position:relative;padding:1rem 1rem 1rem 4rem;
  background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);
  margin-bottom:.8rem;counter-increment:step;
}
.pz4_steps li::before{
  content:counter(step);
  position:absolute;left:1rem;top:1rem;
  width:42px;height:42px;border-radius:50%;
  background:var(--highlight);color:#3b2400;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-h);font-size:1.3rem;font-weight:700;
}
.pz4_steps h4{margin-top:0;color:var(--highlight)}
.pz4_steps p{margin-bottom:0;font-size:.93rem;color:var(--muted)}

/* === FAQ === */
.pz4_faq{margin:1.5rem 0}
.pz4_faq-item{
  background:var(--bg-card);border:1px solid var(--border);
  border-radius:var(--radius);margin-bottom:.7rem;overflow:hidden;
}
.pz4_faq-btn{
  width:100%;padding:1rem 1.2rem;
  background:transparent;border:none;color:var(--text);
  font-family:var(--font-b);font-size:1rem;font-weight:600;
  text-align:left;cursor:pointer;
  display:flex;align-items:center;justify-content:space-between;gap:1rem;
  min-height:56px;
}
.pz4_faq-btn::after{content:"+";font-size:1.4rem;color:var(--highlight);transition:transform var(--t);font-weight:700}
.pz4_faq-item.open .pz4_faq-btn::after{transform:rotate(45deg)}
.pz4_faq-body{display:none;padding:0 1.2rem 1.2rem;color:var(--muted);font-size:.95rem;line-height:1.65}
.pz4_faq-item.open .pz4_faq-body{display:block}
.pz4_faq-body p{color:var(--muted);margin-bottom:.8rem}
.pz4_faq-body p:last-child{margin-bottom:0}

/* === CTA BAND === */
.pz4_cta-band{
  margin:2.4rem 0;
  padding:2rem 1.4rem;
  background:linear-gradient(135deg,var(--bg-card-2),var(--bg-card));
  border:1px solid var(--highlight);
  border-radius:var(--radius-lg);
  text-align:center;
  position:relative;overflow:hidden;
}
.pz4_cta-band::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(circle at 50% 0%,rgba(255,204,31,.18),transparent 60%);
  pointer-events:none;
}
.pz4_cta-band h2{margin-top:0;color:var(--highlight)}
.pz4_cta-band p{color:var(--muted);max-width:520px;margin:0 auto 1.2rem}
.pz4_cta-band .pz4_btn{position:relative;z-index:1}

/* === AUTHOR BIO === */
.pz4_author-box{
  background:var(--bg-card);border:1px solid var(--border);
  border-radius:var(--radius);padding:1.4rem;margin:2rem 0;
  display:flex;flex-direction:column;gap:1rem;
}
.pz4_author-avatar{
  width:80px;height:80px;border-radius:50%;
  background:linear-gradient(135deg,var(--highlight),var(--accent));
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-h);font-size:2rem;color:#08210a;flex-shrink:0;
}
.pz4_author-box h4{margin-top:0;color:var(--highlight)}
.pz4_author-box .pz4_author-meta{font-size:.85rem;color:var(--muted);margin-bottom:.5rem}
.pz4_author-box p{font-size:.92rem;color:var(--muted);margin-bottom:.6rem}
.pz4_author-box a{font-size:.9rem;font-weight:600}

/* === BREADCRUMBS === */
.pz4_crumbs{font-size:.82rem;color:var(--muted);padding:1rem 0 0}
.pz4_crumbs a{color:var(--muted)}
.pz4_crumbs a:hover{color:var(--highlight)}
.pz4_crumbs span{margin:0 .4rem;color:var(--border)}

/* === FOOTER === */
.pz4_footer{background:#08153a;border-top:1px solid var(--border);padding:2.5rem 0 1rem;margin-top:3rem}
.pz4_footer-grid{display:grid;grid-template-columns:1fr;gap:2rem}
.pz4_footer h4{font-family:var(--font-h);color:var(--highlight);font-size:1rem;margin-bottom:1rem;letter-spacing:1px}
.pz4_footer ul{list-style:none;margin:0}
.pz4_footer li{margin-bottom:.5rem}
.pz4_footer a{color:var(--muted);font-size:.92rem}
.pz4_footer a:hover{color:var(--highlight)}
.pz4_footer-about p{color:var(--muted);font-size:.9rem}
.pz4_footer-bottom{border-top:1px solid var(--border);margin-top:2rem;padding-top:1.2rem;text-align:center;font-size:.82rem;color:var(--muted)}
.pz4_footer-bottom .pz4_age{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;border:2px solid var(--highlight);color:var(--highlight);font-weight:700;margin-bottom:.6rem;font-family:var(--font-h)}
.pz4_payments{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:.5rem}
.pz4_payments span{padding:6px 12px;background:var(--bg-card);border:1px solid var(--border);border-radius:6px;font-size:.78rem;color:var(--muted)}

/* === STICKY MOBILE CTA === */
.pz4_sticky{
  display:flex;
  position:fixed;bottom:0;left:0;right:0;z-index:48;
  background:var(--bg-card);
  border-top:2px solid var(--highlight);
  padding:10px 14px;
  align-items:center;gap:.7rem;
  box-shadow:0 -8px 22px rgba(0,0,0,.4);
}
.pz4_sticky-info{flex:1;min-width:0}
.pz4_sticky-info strong{display:block;font-family:var(--font-h);color:var(--highlight);font-size:.95rem;letter-spacing:.5px;line-height:1.1}
.pz4_sticky-info span{display:block;font-size:.72rem;color:var(--muted);line-height:1.1;margin-top:2px}
.pz4_sticky .pz4_btn{padding:11px 16px;min-height:44px;font-size:.85rem;flex-shrink:0}

/* === MISC HELPERS === */
.pz4_pill{display:inline-block;padding:3px 10px;background:var(--bg-card);border:1px solid var(--border);border-radius:99px;font-size:.78rem;color:var(--muted);margin:0 .3rem .3rem 0}
.pz4_check{color:var(--accent);font-weight:700}
.pz4_x{color:#e74c3c;font-weight:700}
.pz4_pros-cons{display:grid;grid-template-columns:1fr;gap:1rem;margin:1.4rem 0}
.pz4_pros,.pz4_pros-cons .pz4_cons{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius);padding:1.2rem}
.pz4_pros h4{color:var(--accent);margin-top:0}
.pz4_cons h4{color:#e74c3c;margin-top:0}
.pz4_pros ul,.pz4_cons ul{list-style:none;margin:0}
.pz4_pros li,.pz4_cons li{padding-left:1.4rem;position:relative;font-size:.93rem;color:var(--muted)}
.pz4_pros li::before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:700}
.pz4_cons li::before{content:"−";position:absolute;left:0;color:#e74c3c;font-weight:700}

.pz4_callout{
  background:linear-gradient(135deg,rgba(255,204,31,.08),rgba(78,197,30,.08));
  border-left:4px solid var(--highlight);
  padding:1rem 1.2rem;border-radius:var(--radius-sm);
  margin:1.2rem 0;font-size:.95rem;color:var(--text);
}
.pz4_callout strong{color:var(--highlight)}

/* === ANIMATIONS === */
@keyframes pz4_fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}
.pz4_animate{opacity:0}
.pz4_animate.pz4_visible{animation:pz4_fadeUp .6s ease forwards}

/* === BREAKPOINTS === */
@media (min-width:480px){
  .pz4_container{padding:0 22px}
  .pz4_hero-cta-row{flex-direction:row;flex-wrap:wrap}
  .pz4_trust-grid{grid-template-columns:repeat(4,1fr)}
}

@media (min-width:768px){
  body{padding-bottom:0}
  .pz4_sticky{display:none}
  .pz4_nav-toggle{display:none}
  .pz4_navlinks{display:flex}
  .pz4_nav-cta{display:inline-flex}
  .pz4_grid{grid-template-columns:repeat(2,1fr)}
  .pz4_pros-cons{grid-template-columns:1fr 1fr}
  .pz4_footer-grid{grid-template-columns:2fr 1fr 1fr 1fr}
  .pz4_author-box{flex-direction:row;align-items:flex-start}
  .pz4_section{padding:3.2rem 0}
  .pz4_hero{padding:3rem 0 4rem}
}

@media (min-width:1024px){
  .pz4_hero-grid{grid-template-columns:1fr 400px;gap:2.4rem;align-items:start}
  .pz4_grid--3{grid-template-columns:repeat(3,1fr)}
  .pz4_grid--4{grid-template-columns:repeat(4,1fr)}
}