.faq-group+.faq-group{margin-top:30px}
.faq-group-heading{display:flex;align-items:center;gap:12px;margin:0 0 14px;color:var(--navy);font-size:22px;line-height:1.25}
.faq-group-heading .faq-icon{display:grid;place-items:center;flex:0 0 42px;width:42px;height:42px;border-radius:12px;background:#e6f4ff;color:#116fa6;font-size:19px}
.faq-group:nth-child(2) .faq-icon{background:#e9f8f2;color:#167357}
.faq-group:nth-child(3) .faq-icon{background:#eef2fc;color:#375c9b}
.faq details{border:1px solid #bedceb;border-left:3px solid #74b8da;border-radius:14px;margin:10px 0;background:#fff;box-shadow:0 5px 16px rgba(20,64,102,.05)}
.faq details[open]{background:#f3faff;border-color:#91c8de;border-left-color:#278aa9}
.faq summary{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:52px;box-sizing:border-box;list-style:none;padding:16px 20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';display:grid;place-items:center;flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:#e8f4fb;color:#136d96;font-size:22px;font-weight:500;line-height:1}
.faq details[open] summary::after{content:'−';background:#d6eee9;color:#147057}
.faq summary:focus-visible{outline:3px solid #1b80ac;outline-offset:-3px;border-radius:11px}
.faq details p{padding:0 20px 20px;line-height:1.65}
.faq-help-panel{display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap;max-width:900px;margin:32px auto 0;padding:24px;border-radius:18px;border:1px solid #9ed0e6;border-left:4px solid #218dac;background:linear-gradient(115deg,#eaf7ff,#f4fcf9)}
.faq-help-panel h2{font-size:23px;margin:0 0 6px;color:var(--navy)}
.faq-help-panel p{margin:0;color:var(--muted);max-width:480px}
.faq-help-actions{display:flex;align-items:center;gap:9px;flex-wrap:wrap}
.faq-help-actions .cta{min-height:44px;padding:10px 13px;font-size:14px;box-sizing:border-box;text-align:center}
.faq-help-actions .cta.call{background:#147a70;color:#fff}
.faq-help-actions .cta.call:hover{background:#0c665d}
@media(max-width:600px){.faq-group-heading{font-size:20px}.faq-help-panel{padding:20px}.faq-help-actions{width:100%}.faq-help-actions .cta{flex:1 1 100%}}

.faq-help-actions .cta.faq-book,
.contact-quick-actions .cta.contact-consult {
  background:#d9edf9;
  color:#082f5b;
  border:1px solid #75b3d5;
}
.faq-help-actions .cta.faq-book:hover,
.faq-help-actions .cta.faq-book:focus-visible,
.contact-quick-actions .cta.contact-consult:hover,
.contact-quick-actions .cta.contact-consult:focus-visible {
  background:#c5e5f6;
  border-color:#3285b5;
}
#contact .demo-note.contact-reassurance {
  font-size:14px;
  line-height:1.55;
  color:#27435f;
  margin-top:12px;
}
#zta-chat-close {
  right:10px;
  top:10px;
  display:grid;
  place-items:center;
  width:40px;
  height:40px;
  border:1px solid #d97168;
  background:#fff4f2;
  color:#b42318;
  font-size:36px;
  font-weight:700;
  line-height:1;
}
#zta-chat-close:hover {background:#ffe0dc;color:#891b15}
#zta-chat-close:focus-visible {outline:3px solid #fff;outline-offset:2px}
.zta-referral-detail[hidden]{display:none!important}
.zta-quick button,.zta-ai-options button,.zta-action {
  background:#d9edf9;
  border-color:#75b3d5;
}
.zta-quick button:hover,.zta-ai-options button:hover,.zta-action:hover {
  background:#c5e5f6;
  border-color:#3285b5;
}
.zta-quick button:focus-visible,.zta-ai-options button:focus-visible,.zta-action:focus-visible {
  outline:3px solid #0b6fa7;
  outline-offset:2px;
}
#zta-chat-send {
  display:grid;
  place-items:center;
  flex:0 0 44px;
  width:44px;
  min-height:44px;
  background:#0b3d68;
  color:#fff;
}
#zta-chat-send:hover {background:#0a5488}
#zta-chat-send:focus-visible {outline:3px solid #0b6fa7;outline-offset:2px}

/* Referral program: modest color accents and an uncluttered registration form. */
#referral-program .referral-hero{background:linear-gradient(125deg,#eef7fc,#f4fbf8);border-bottom:1px solid #cde6ef;padding-top:42px;padding-bottom:42px}
#referral-program .referral-hero p{max-width:760px;margin:0 0 18px}
#referral-program .referral-hero .cta{margin-top:8px}
#referral-program .referral-section{padding-top:34px;padding-bottom:44px}
#referral-program .referral-shell{max-width:1120px;margin:auto}
#referral-program .referral-intro{max-width:800px}
#referral-program .referral-intro h2{margin:13px 0 10px}
#referral-program .referral-intro p{margin:0}
#referral-program h2{color:var(--navy);line-height:1.2}
#referral-program p{line-height:1.65}
#referral-program .referral-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:22px 0 30px}
#referral-program .referral-step{background:#fff;border:1px solid #b9dce9;border-top:4px solid #2c92bb;border-radius:16px;padding:20px;box-shadow:0 9px 26px rgba(15,65,100,.06)}
#referral-program .referral-step:nth-child(2){border-top-color:#29a58f}
#referral-program .referral-step:nth-child(3){border-top-color:#488bb9}
#referral-program .referral-num{display:grid;place-items:center;width:32px;height:32px;border-radius:50%;background:#dff3f8;color:#07395d;font-weight:800}
#referral-program .referral-step h3{margin:14px 0 5px;color:var(--navy);font-size:19px}
#referral-program .referral-step p{margin:0;color:#375674}
#referral-program .referral-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:30px;align-items:start}
#referral-program .referral-info{padding-top:10px}
#referral-program .referral-contact-link{display:inline-block;margin-top:8px;color:#075e90;font-weight:700;text-underline-offset:3px}
#referral-program .referral-form-card{background:#fff;border:1px solid #b9dce9;border-radius:18px;box-shadow:0 14px 30px rgba(10,55,90,.08);padding:30px}
#referral-program .referral-form-card h2{margin:8px 0}
#referral-program .referral-form-card>p{margin:0 0 18px;color:#375674}
#referral-program .referral-form{display:grid;gap:16px}
#referral-program .referral-form>label{display:grid;gap:7px;color:#082c50;font-weight:700}
#referral-program .referral-form input:not([type=radio]){width:100%;box-sizing:border-box;min-height:46px;padding:10px 13px;border:1px solid #a7c7d9;border-radius:9px;background:#fff;color:#0b2e50;font:inherit}
#referral-program .referral-form input:focus-visible,#referral-program .referral-form button:focus-visible{outline:3px solid #258db6;outline-offset:2px}
#referral-program .referral-client-choice{border:1px solid #98cbdc;border-radius:13px;background:#edf8fc;padding:15px 16px}
#referral-program .referral-client-choice legend{font-weight:800;color:#082c50;padding:0 5px}
#referral-program .referral-radios{display:flex;flex-wrap:wrap;gap:10px}
#referral-program .referral-radios label{display:flex;align-items:center;gap:7px;border:1px solid #bdd8e4;border-radius:9px;background:#fff;padding:10px 12px;cursor:pointer;color:#163e5f}
#referral-program .referral-radios input{accent-color:#147a70;width:18px;height:18px}
#referral-program .referral-optional{font-weight:400;color:#47647d}
#referral-program .referral-privacy{margin:0;font-size:14px;color:#375674}
#referral-program .referral-form button{justify-self:start;min-height:46px}
#referral-program .referral-form button:disabled{opacity:.75;cursor:wait}
#referral-program .referral-result{border-radius:10px;padding:13px 16px;line-height:1.5}
#referral-program .referral-result[hidden]{display:none}
#referral-program .referral-result.success{background:#eaf7ef;border:1px solid #8dcca3;color:#175b30}
#referral-program .referral-result.error{background:#fff0ee;border:1px solid #d1a5a0;color:#81382f}
@media(max-width:850px){#referral-program .referral-grid{grid-template-columns:1fr;gap:22px}#referral-program .referral-steps{gap:10px}#referral-program .referral-step{padding:16px}}
@media(max-width:850px){#referral-program .referral-hero{padding-top:36px;padding-bottom:36px}#referral-program .referral-section{padding-top:30px;padding-bottom:38px}}
@media(max-width:640px){#referral-program .referral-hero{padding:28px 18px}#referral-program .referral-section{padding:26px 18px 34px}#referral-program .referral-steps{grid-template-columns:1fr;margin:18px 0 24px}#referral-program .referral-form-card{padding:22px 18px}#referral-program .referral-radios{flex-direction:column}#referral-program .referral-form button{width:100%}}

#contact .contact-referral-invite{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:22px;padding:18px;border-radius:13px;background:#eff8fc;border:1px solid #b4dbe9}
#contact .contact-referral-invite strong{color:var(--navy)}
#contact .contact-referral-invite p{margin:3px 0 0;color:#375674;font-size:14px}
#contact .contact-referral-cta{flex:none;background:#d9edf9;color:#082f5b;border:1px solid #75b3d5;font-size:14px;min-height:42px;padding:9px 13px}
#contact .contact-referral-cta:hover{background:#c5e5f6;border-color:#3285b5}
#contact .contact-referral-cta:focus-visible{outline:3px solid #0b6fa7;outline-offset:2px}
@media(max-width:700px){#contact .contact-referral-invite{align-items:stretch;flex-direction:column}#contact .contact-referral-cta{text-align:center}}

#referral-program .referral-role-note{margin:16px 0 22px;padding:15px 17px;border-radius:12px;border-left:4px solid #278aa9;background:#eaf7fc;color:#173e5b}
#referral-program .referral-role-note strong{color:var(--navy)}
#referral-program .referral-role-note p{margin:5px 0 0;font-size:15px}
#referral-program .referral-form-heading{margin:2px 0 -5px;color:var(--navy);font-size:18px;line-height:1.35}
#referral-program .referral-form-heading span{font-weight:500;color:#375674}
#referral-program .referral-person{display:grid;gap:9px;border:1px solid #98cbdc;border-radius:13px;background:#f2f9fc;padding:18px}
#referral-program .referral-person .referral-form-heading{margin:0 0 2px}
#referral-program .referral-person label{display:grid;gap:7px;color:#082c50;font-weight:700}
#referral-program .referral-person p{margin:0;color:#375674;font-size:14px}
#referral-program .referral-reward-note{padding:14px 16px;border:1px solid #9ccdb0;border-left:4px solid #2d9563;border-radius:10px;background:#edf8f1;color:#174c34;font-size:15px;line-height:1.5}
#referral-program .referral-reward-note[hidden]{display:none!important}
#referral-program .referral-privacy{background:#f2f8fb;border:1px solid #c5e0ec;border-radius:10px;padding:13px 15px}
#referral-program .referral-privacy a{color:#075e90;font-weight:700}
#referral-program .referral-client-choice[hidden]{display:none!important}
#referral-program .referral-faq{margin-top:26px;padding:22px 26px;border:1px solid #b9dce9;border-radius:18px;background:#f5fafc}
#referral-program .referral-faq h2{margin:4px 0 12px}
#referral-program .referral-faq-list{display:grid;gap:6px}
#referral-program .referral-faq-list details{border:1px solid #c1dbe8;background:#fff;border-radius:11px;overflow:hidden}
#referral-program .referral-faq-list summary{cursor:pointer;min-height:44px;padding:10px 16px;box-sizing:border-box;color:#082f5b;font-weight:750;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:12px}
#referral-program .referral-faq-list summary::-webkit-details-marker{display:none}
#referral-program .referral-faq-list summary:after{content:'+';font-size:23px;line-height:1;color:#167aa7}
#referral-program .referral-faq-list details[open] summary:after{content:'−'}
#referral-program .referral-faq-list details[open]{border-color:#68adc9;box-shadow:0 5px 15px rgba(10,65,100,.07)}
#referral-program .referral-faq-list summary:focus-visible{outline:3px solid #258db6;outline-offset:-3px}
#referral-program .referral-faq-list p{margin:0;padding:0 16px 12px;color:#345876}
#referral-program .referral-terms{margin-top:16px;padding:18px 20px;border-left:3px solid #2c92bb;background:#f1f7fa;border-radius:9px;color:#375674;font-size:14px}
#referral-program .referral-terms h2{font-size:17px;margin:0 0 6px}
#referral-program .referral-terms p{margin:0}
#referral-program .referral-required{font-weight:600;font-size:13px;color:#68506a}
#referral-program .referral-field-error{color:#ad3040;font-size:13px;font-weight:650;line-height:1.4;margin:1px 0 0}
#referral-program .referral-field-error[hidden]{display:none!important}
#referral-program .referral-form input[aria-invalid="true"]{border-color:#b43a4b;box-shadow:0 0 0 1px #b43a4b}
#referral-program .referral-client-choice>.referral-field-error{margin:10px 0 0}
@media(max-width:700px){#referral-program .referral-faq{margin-top:22px;padding:18px 14px}#referral-program .referral-form-card{padding:20px}#referral-program .referral-faq-list summary{padding:10px 13px}}