@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans+Thai:wght@400;500;600;700&display=optional');
:root{--navy:#0a315b;--navy2:#071f3c;--orange:#ff7a00;--ink:#17324e;--muted:#60758a;--ice:#f3f8fc;--line:#d9e5ef;--white:#fff;--shadow:0 18px 60px rgba(10,49,91,.10);--r:28px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fbfdff;color:var(--ink);font-family:"IBM Plex Sans Thai",sans-serif;font-size:16px;line-height:1.7}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,select{font:inherit}textarea{font-family:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:20px;top:20px;background:#fff;padding:10px;z-index:100}.site-head{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}.nav{height:84px;display:flex;align-items:center;justify-content:space-between;gap:34px}.logo img{width:154px;height:auto}.main-nav{display:flex;align-items:center;gap:34px;font-weight:700;font-size:15px}.main-nav>a:not(.pill){padding:8px 0;border-bottom:2px solid transparent}.main-nav>a:hover,.main-nav>a[aria-current=page]{color:var(--orange);border-color:var(--orange)}.pill,.btn{min-height:50px;padding:0 24px;border-radius:16px;background:var(--orange);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:700;border:0;box-shadow:0 10px 24px rgba(255,122,0,.20);cursor:pointer}.pill:hover,.btn:hover{background:#ec7100}.btn.ghost{background:white;color:var(--navy);border:1px solid var(--line);box-shadow:none}.nav-toggle{display:none;background:transparent;border:0;padding:10px}.nav-toggle span{display:block;width:25px;height:2px;background:var(--navy);margin:5px}.hero-shell{padding:40px 0;background:linear-gradient(120deg,#fafdff,#fff 52%,#e8f3fd)}.hero{min-height:540px;border-radius:30px;overflow:hidden;position:relative;background:#eaf2f8}.hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(250,253,255,.99) 0%,rgba(250,253,255,.94) 28%,rgba(250,253,255,.55) 46%,rgba(250,253,255,0) 62%)}.hero-copy{position:relative;z-index:2;width:49%;padding:74px 0 70px 64px}.eyebrow{font-family:"IBM Plex Sans Thai",sans-serif;font-size:12px;text-transform:uppercase;letter-spacing:.16em;color:var(--orange);font-weight:800}.hero h1,.page-hero h1{font-family:"IBM Plex Sans Thai",sans-serif;color:var(--navy2);font-size:clamp(46px,5.2vw,72px);line-height:1.05;letter-spacing:-.04em;margin:20px 0 26px}.hero p{font-size:18px;color:#4e657b;max-width:520px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}.section{padding:96px 0}.section.white{background:#fff}.section-head{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:42px}.section h2,.page-hero h2{font-size:clamp(34px,4vw,52px);line-height:1.15;letter-spacing:-.035em;color:var(--navy2);margin:12px 0;font-weight:800}.section-head p{color:var(--muted);margin:0}.portal-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.portal{min-height:330px;border-radius:26px;overflow:hidden;position:relative;background:var(--navy);box-shadow:var(--shadow)}.portal img{width:100%;height:100%;object-fit:cover;transition:.35s}.portal:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 30%,rgba(4,27,52,.88))}.portal h3{position:absolute;z-index:2;left:26px;bottom:24px;color:#fff;font-size:26px;margin:0}.portal:hover img{transform:scale(1.035)}.promise{padding:72px;border-radius:32px;background:var(--navy2);color:#fff;text-align:center}.promise h2{color:#fff;max-width:850px;margin:0 auto}.promise p{color:#c7d8e7}.page-hero{padding:86px 0 72px;background:linear-gradient(125deg,#fafdff,#fff 55%,#e8f3fd);border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(42px,5vw,64px);max-width:900px}.page-hero p{font-size:18px;max-width:730px;color:var(--muted)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.info-card,.review,.partner,.advisor-card,.article-card{background:#fff;border:1px solid var(--line);border-radius:24px;overflow:hidden}.info-card{padding:32px}.num{font-family:"IBM Plex Sans Thai",sans-serif;font-size:44px;color:var(--orange);font-weight:700}.info-card h3{font-size:22px;color:var(--navy2);margin:14px 0 8px}.info-card p{color:var(--muted);margin:0}.cred-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.cred-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px}.cred-card img{width:100%;aspect-ratio:4/3;object-fit:contain;background:#f4f7fa;border-radius:15px}.insurance-list{display:grid;gap:18px}.insurance-item{display:grid;grid-template-columns:110px 1fr 1fr;gap:30px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:24px;padding:32px}.insurance-item .num{font-size:40px}.insurance-item h3{font-size:25px;margin:4px 0;color:var(--navy2)}.insurance-item p{color:var(--muted);margin:8px 0}.tag{font-size:12px;letter-spacing:.12em;color:var(--orange);font-weight:800;text-transform:uppercase}.partner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.partner{min-height:190px;padding:26px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}.partner img{width:120px;height:65px;object-fit:contain;margin-bottom:18px}.partner h3{font-size:16px;margin:0;color:var(--navy2)}.partner small{color:var(--muted)}.reviews-tabs,.article-cats{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 32px}.chip{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 18px;font-weight:700;color:var(--navy);cursor:pointer}.chip.active{background:var(--navy);color:#fff}.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.review{padding:30px}.review blockquote{margin:0;color:#425b72}.review cite{display:block;margin-top:22px;color:var(--navy);font-weight:700;font-style:normal}.review small{color:var(--orange)}.articles-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.article-card img{width:100%;aspect-ratio:16/9;object-fit:cover}.article-copy{padding:28px}.article-copy h3{font-size:24px;line-height:1.35;color:var(--navy2);margin:12px 0}.article-copy p{color:var(--muted)}.read{color:var(--orange);font-weight:700}.advisor-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.advisor-card img.person{width:100%;aspect-ratio:3/4;object-fit:cover;background:#eaf0f5}.advisor-body{padding:22px}.advisor-body h3{font-size:21px;margin:0;color:var(--navy2)}.advisor-body p{font-size:14px;color:var(--muted);margin:5px 0}.advisor-body .phone{font-weight:700;color:var(--navy);font-size:16px}.advisor-body img.qr{width:95px;height:95px;object-fit:contain;margin:18px auto 0}.article-hero{padding:58px 0 34px}.breadcrumbs{font-size:14px;color:var(--muted)}.article-hero h1{font-size:clamp(38px,5vw,62px);line-height:1.15;color:var(--navy2);max-width:960px;margin:26px 0 18px}.article-lead{font-size:20px;color:var(--muted);max-width:840px}.featured{width:100%;border-radius:28px;aspect-ratio:16/9;object-fit:cover;margin:30px 0}.article-layout{display:grid;grid-template-columns:minmax(0,780px) 280px;gap:64px;align-items:start}.prose h2{font-size:30px;color:var(--navy2);margin:44px 0 12px}.prose h3{font-size:23px;color:var(--navy2);margin:32px 0 8px}.prose p,.prose li{color:#425a70}.prose .lead{font-size:20px;color:var(--ink)}.callout{padding:25px;border-left:5px solid var(--orange);background:var(--ice);margin:30px 0}.aside{position:sticky;top:110px;border:1px solid var(--line);border-radius:20px;padding:24px;background:#fff}.aside a{display:block;margin-top:14px;color:var(--orange);font-weight:700}.privacy{max-width:820px}.privacy h2{font-size:27px;color:var(--navy2);margin-top:38px}.privacy p{color:#425a70}.funnel-page{min-height:100vh;background:linear-gradient(130deg,#f5f9fd,#fff)}.funnel-head{height:76px;background:#fff;border-bottom:1px solid var(--line)}.funnel-head .wrap{height:100%;display:flex;align-items:center;justify-content:space-between}.funnel{max-width:760px;margin:0 auto;padding:55px 20px 90px}.test-badge{display:inline-flex;background:#fff3e7;color:#c45700;border:1px solid #ffd4ae;border-radius:999px;padding:6px 14px;font-size:13px;font-weight:700}.progress-line{height:7px;background:#dce7f0;border-radius:99px;overflow:hidden;margin:22px 0 12px}.progress-line i{display:block;height:100%;background:var(--orange);transition:.3s}.progress-meta{display:flex;justify-content:space-between;color:var(--muted);font-size:14px}.funnel-card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:36px;margin-top:22px;box-shadow:var(--shadow)}.funnel-card h2{font-size:31px;color:var(--navy2);margin:5px 0}.options{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:25px}.option{min-height:72px;border:1px solid #cbd9e6;background:#fff;border-radius:18px;padding:16px;text-align:left;font-weight:700;color:var(--navy);cursor:pointer}.option:hover,.option.selected{border-color:var(--orange);background:#fff8f1}.field{margin:22px 0}.field label{display:block;font-weight:700;margin-bottom:8px}.field input,.field select{width:100%;height:54px;border:1px solid #cbd9e6;border-radius:14px;padding:0 16px;background:#fff}.error{color:#b42b24;font-size:14px;margin-top:7px}.summary{background:var(--ice);border-radius:18px;padding:20px;margin:22px 0}.success{text-align:center;padding:32px 10px}.success-mark{width:76px;height:76px;border-radius:50%;display:grid;place-items:center;background:#eef8f1;color:#168447;font-size:38px;margin:0 auto 22px}.footer{background:#071f3c;color:#fff;padding:58px 0 25px}.foot-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px}.foot-logo{width:160px;filter:brightness(0) invert(1)}.footer p,.footer a{color:#bfd0df}.contact-lines{display:grid;gap:6px}.privacy-link{display:inline-block;margin-top:18px}.copy{border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:22px;color:#93aabd;font-size:13px}.mobile-actions{position:fixed;display:none;bottom:14px;left:14px;right:14px;z-index:35;background:#fff;padding:8px;border-radius:18px;box-shadow:0 10px 35px rgba(3,23,43,.18);grid-template-columns:1fr 1fr;gap:8px}
@media(max-width:900px){.nav{height:74px}.logo img{width:132px}.nav-toggle{display:block}.main-nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;align-items:stretch;gap:4px;box-shadow:var(--shadow)}.main-nav.open{display:flex}.main-nav>a{padding:12px!important}.hero-shell{padding:22px 0}.hero{min-height:680px}.hero>img{object-position:62% center}.hero:after{background:linear-gradient(180deg,rgba(250,253,255,.99) 0%,rgba(250,253,255,.92) 38%,rgba(250,253,255,.25) 68%,transparent)}.hero-copy{width:100%;padding:50px 30px}.portal-grid{grid-template-columns:1fr 1fr}.portal{min-height:290px}.section-head{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.insurance-item{grid-template-columns:80px 1fr}.insurance-item>div:last-child{grid-column:2}.partner-grid{grid-template-columns:repeat(3,1fr)}.reviews-grid{grid-template-columns:1fr 1fr}.advisor-grid{grid-template-columns:1fr 1fr}.article-layout{grid-template-columns:1fr}.aside{position:static}.foot-grid{grid-template-columns:1fr}.mobile-actions{display:grid}.footer{padding-bottom:90px}}
@media(max-width:580px){.wrap{width:min(100% - 28px,1180px)}.hero{min-height:610px;border-radius:22px}.hero h1{font-size:45px}.hero-copy{padding:40px 22px}.actions .btn{width:100%}.section{padding:65px 0}.section h2{font-size:36px}.portal-grid,.cred-grid,.reviews-grid,.articles-grid,.advisor-grid{grid-template-columns:1fr}.portal{min-height:270px}.promise{padding:44px 24px}.page-hero{padding:60px 0 46px}.page-hero h1{font-size:40px}.insurance-item{grid-template-columns:1fr;padding:25px}.insurance-item>div:last-child{grid-column:auto}.partner-grid{grid-template-columns:1fr 1fr}.partner{padding:16px;min-height:160px}.partner img{width:95px}.funnel{padding:34px 14px 70px}.funnel-card{padding:24px;border-radius:22px}.options{grid-template-columns:1fr}.article-hero h1{font-size:38px}.article-lead{font-size:18px}.featured{border-radius:18px}}

/* Shared footer: brand, neutral information, contact, then legal actions. */
#siteFooter .footer .foot-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center}
#siteFooter .footer-brand p{max-width:430px;margin:22px 0 0}
#siteFooter .foot-logo{height:auto}
#siteFooter .footer-trust{justify-self:end;max-width:100%;text-align:center}
#siteFooter .footer-trust-labels{display:flex;flex-wrap:wrap;justify-content:center;gap:36px;color:#fff;font-size:23px;font-weight:600;line-height:1.4}
#siteFooter .footer-trust p{margin:18px 0 0;font-size:14px;color:#bfd0df}
#siteFooter .footer-contact{display:flex;align-items:baseline;gap:24px;border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:24px;font-size:14px}
#siteFooter .footer-contact strong,#siteFooter .footer-contact a{flex-shrink:0}
#siteFooter .footer-address{min-width:0;color:#bfd0df}
#siteFooter .footer-legal{display:flex;justify-content:space-between;align-items:center;gap:24px;margin-top:24px;padding-top:18px}
#siteFooter .footer-privacy{display:flex;align-items:center;flex-wrap:wrap;gap:24px}
#siteFooter .footer-privacy a{display:inline-flex;align-items:center;min-height:44px}
@media(max-width:1000px){
 #siteFooter .footer .foot-grid{grid-template-columns:minmax(0,1fr);gap:32px}
 #siteFooter .footer-trust{justify-self:start;text-align:left}
 #siteFooter .footer-trust-labels{justify-content:flex-start;gap:28px}
 #siteFooter .footer-contact{flex-direction:column;align-items:flex-start;gap:10px;margin-top:32px;padding-top:22px}
 #siteFooter .footer-address{max-width:420px}
 #siteFooter .footer-legal{flex-direction:column;align-items:flex-start;gap:16px}
 #siteFooter .footer-privacy{order:-1;gap:8px 24px}
}
@media(max-width:480px){#siteFooter .footer-privacy{flex-direction:column;align-items:flex-start;gap:0}}
/* Owner-supplied regulator marks: intrinsic proportions, secondary visual weight. */
#siteFooter .footer-trust-labels{align-items:center;gap:40px;background:transparent;padding:0;border-radius:0;max-width:100%;border:0;box-shadow:none}
#siteFooter .footer-regulator-logo{height:auto;object-fit:contain;flex-shrink:0;background:transparent;border:0;box-shadow:none}
#siteFooter .footer-oic{width:112px}
#siteFooter .footer-dbd{width:134px}
#siteFooter .footer-pdpc{width:166px;transform:translateY(-8px)}
@media(max-width:1000px){#siteFooter .footer-trust-labels{justify-content:center}}
/* One light footer surface; original brand artwork and readable footer text. */
#siteFooter .footer{background:#fafbfc;color:var(--ink)}
#siteFooter .foot-logo{filter:none}
#siteFooter .footer p,#siteFooter .footer a,#siteFooter .footer-address{color:#425a70}
#siteFooter .footer-trust p{color:#425a70}
#siteFooter .footer-contact,#siteFooter .copy{border-top-color:#d9e5ef}
#siteFooter .copy{color:#425a70}