.vc-pkv-page{background:#fff;}
.vc-pkv-hero{padding:56px 0 44px;background:radial-gradient(circle at top right,color-mix(in srgb,var(--vtc-blue-dark) 10%,transparent),transparent 35%),linear-gradient(135deg,#f7f9fc 0%,#eef3f8 100%);}
.vc-eyebrow{display:inline-block;margin-bottom:.65rem;font-size:.76rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--vtc-blue-dark);}
.vc-pkv-hero h1{font-size:clamp(2.2rem,4vw,3.4rem);line-height:1.05;letter-spacing:-.02em;font-weight:850;color:var(--vtc-blue-dark);margin-bottom:1rem;max-width:14ch;}
.vc-pkv-hero h1 span{display:block;color:var(--vtc-blue);}
.vc-pkv-hero .lead{font-size:1.02rem;color:#4b5563;max-width:600px;margin-bottom:1.5rem;}
.vc-trust-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-bottom:1.5rem;}
.vc-trust-item{display:flex;align-items:center;gap:.65rem;background:#fff;border:1px solid #e5e7eb;border-radius:var(--vtc-radius);padding:.6rem .85rem;min-width:170px;box-shadow:0 10px 24px rgba(15,23,42,.05);}
.vc-trust-item__icon{display:grid;flex-shrink:0;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--vtc-soft-2,#eef3fb);color:var(--vtc-blue-dark);}
.vc-trust-item__icon .vtc-icon{width:1.05rem;height:1.05rem;}
.vc-trust-item strong{display:block;font-size:.94rem;color:#111827;}
.vc-trust-item small{display:block;font-size:.78rem;color:#6b7280;}
.vc-btn-primary{display:inline-grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:.85rem;background:var(--vtc-blue-dark);color:#fff!important;border-radius:var(--vtc-radius);padding:.85rem 1.4rem;font-weight:800;text-decoration:none;white-space:nowrap;box-shadow:0 14px 28px rgba(11,40,83,.18);}
.vc-btn-primary:hover,.vc-btn-primary:focus,.vc-btn-primary:active,.vc-btn-primary:visited{color:#fff!important;}
.vc-btn-primary .vtc-icon{width:1.1rem;height:1.1rem;}
.vc-trustline{display:flex;flex-wrap:wrap;gap:.5rem 1.3rem;margin:1rem 0 0;padding:0;list-style:none;color:#4b5563;font-size:.84rem;}
.vc-trustline li{display:inline-flex;align-items:center;gap:.4rem;}
.vc-trustline .vtc-icon{width:.9rem;height:.9rem;color:var(--vtc-blue-dark);}
.vc-trust-cards{display:flex;flex-wrap:wrap;gap:.85rem;max-width:560px;margin:1.35rem 0 0;}
.vc-trust-card{display:flex;align-items:center;gap:.7rem;flex:1 1 220px;padding:.75rem 1rem;border:1px solid #e5e7eb;border-radius:var(--vtc-radius);background:#fff;box-shadow:0 10px 24px rgba(15,23,42,.05);}
.vc-trust-card__google{display:grid;flex-shrink:0;place-items:center;width:36px;height:36px;border-radius:50%;background:#f0f5fb;color:#4285f4;font-size:1.3rem;font-weight:800;}
.vc-trust-card__icon{display:grid;flex-shrink:0;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--vtc-soft-2,#eef3fb);color:var(--vtc-blue-dark);}
.vc-trust-card__icon .vtc-icon{width:1.05rem;height:1.05rem;}
.vc-trust-card__stars{display:block;margin-bottom:.1rem;color:#f5a400;font-size:.8rem;letter-spacing:2px;}
.vc-trust-card strong{display:block;color:#111827;font-size:.9rem;font-weight:800;}
.vc-trust-card small{display:block;color:#6b7280;font-size:.78rem;line-height:1.25;}
.vc-info-card{background:#fff;border-radius:var(--vtc-radius-lg);padding:1.5rem 1.6rem;box-shadow:0 20px 50px rgba(15,23,42,.1);border:1px solid #e5e7eb;}
.vc-info-card h3{font-size:1.05rem;font-weight:850;margin-bottom:.25rem;color:#111827;}
.vc-info-list{list-style:none;margin:0;padding:0;}
.vc-info-list li{display:flex;align-items:flex-start;gap:1rem;padding:1rem 0;border-bottom:1px solid #eef1f6;}
.vc-info-list li:last-child{border-bottom:0;}
.vc-info-list__icon{display:grid;flex-shrink:0;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--vtc-soft-2,#eaf1fd);color:var(--vtc-blue-dark);}
.vc-info-list__icon .vtc-icon{width:1.2rem;height:1.2rem;}
.vc-info-list strong{display:block;margin-bottom:.2rem;color:#111827;font-size:.94rem;font-weight:800;}
.vc-info-list small{display:block;color:#6b7280;font-size:.84rem;line-height:1.3;}
.vc-info-highlight{display:flex;align-items:center;gap:.9rem;margin-top:.4rem;padding:1rem 1.1rem;border-radius:var(--vtc-radius);background:var(--vtc-soft-2,#eaf1fd);}
.vc-info-highlight>div{flex:1 1 auto;min-width:0;}
.vc-info-highlight__icon{display:grid;flex-shrink:0;place-items:center;width:38px;height:38px;border-radius:50%;background:#fff;color:var(--vtc-blue-dark);}
.vc-info-highlight__icon .vtc-icon{width:1.1rem;height:1.1rem;}
.vc-info-highlight strong{display:block;color:#111827;font-size:.9rem;font-weight:800;}
.vc-info-highlight small{display:block;color:#5b6b83;font-size:.8rem;line-height:1.3;}
.vc-info-highlight__lock{display:grid;flex-shrink:0;place-items:center;width:36px;height:36px;margin-left:auto;border-radius:10px;background:#fff;color:var(--vtc-blue-dark);}
.vc-info-highlight__lock .vtc-icon{width:1.05rem;height:1.05rem;}
.vc-benefits{padding:44px 0;background:#fff;}
.vc-benefits-head{max-width:640px;margin:0 auto 2rem;text-align:center;}
.vc-benefits-head .vc-eyebrow{display:block;}
.vc-benefits-head h2{font-size:clamp(1.5rem,2.6vw,2.1rem);font-weight:850;color:var(--vtc-blue-dark);margin:0;}
.vc-benefit-col{position:relative;padding-top:22px;}
.vc-benefit-card{position:relative;height:100%;border-radius:var(--vtc-radius-lg);padding:2.4rem 1.4rem 1.4rem;background:#f8fafc;border:1px solid #e5e7eb;text-align:center;}
.vc-benefit-card span{position:absolute;top:0;left:50%;display:inline-flex;width:44px;height:44px;align-items:center;justify-content:center;border-radius:50%;background:var(--vtc-blue-dark);color:#fff;font-weight:850;box-shadow:0 10px 22px rgba(11,40,83,.22);transform:translate(-50%,-50%);}
.vc-benefit-card h3{font-size:1.05rem;font-weight:850;margin-bottom:.4rem;color:#111827;}
.vc-benefit-card p{color:#6b7280;margin:0;font-size:.92rem;}
.vc-benefit-arrow{display:none;}
@media(min-width:768px){.vc-benefit-arrow{display:grid;place-items:center;position:absolute;top:22px;right:-1.55rem;width:30px;height:30px;color:#a9bcd6;z-index:1;transform:translate(50%,-50%);}.vc-benefit-arrow .vtc-icon{width:1.3rem;height:1.3rem;}.vc-benefit-arrow::before,.vc-benefit-arrow::after{content:"";position:absolute;top:50%;width:34px;height:0;border-top:2px dashed #c7d2e0;}.vc-benefit-arrow::before{right:100%;margin-right:3px;}.vc-benefit-arrow::after{left:100%;margin-left:3px;}}
.vc-snippet-section{padding:38px 0;background:#fff;}
.vc-snippet-box{max-width:880px;margin:0 auto;padding:1.45rem 1.6rem;border:1px solid #dbe5f1;border-radius:var(--vtc-radius-lg);background:#f8fafc;}
.vc-snippet-box h2{margin:0 0 .65rem;color:var(--vtc-blue-dark);font-size:1.45rem;font-weight:850;}
.vc-snippet-box p{margin:0;color:#4b5563;font-size:1rem;line-height:1.68;}
.vc-calculator-section{padding:48px 0 60px;background:#f3f6fa;}
.vc-calculator-shell{background:#fff;border-radius:var(--vtc-radius-lg);padding:1.4rem;box-shadow:0 22px 55px rgba(15,23,42,.1);border:1px solid #e5e7eb;}
.vc-calculator-header{display:flex;justify-content:space-between;gap:1rem;align-items:flex-start;margin-bottom:1.2rem;}
.vc-calculator-header h2{font-size:1.35rem;font-weight:850;margin:0;color:#111827;}
.vc-secure-note{background:#f0fdf4;color:#166534;border-radius:999px;padding:.5rem .85rem;font-size:.82rem;font-weight:800;white-space:nowrap;}
.vc-legal-note{margin-top:.85rem;font-size:.86rem;color:#4b5563;}
.vc-iframe-wrap{overflow:hidden;border-radius:var(--vtc-radius);border:1px solid #e5e7eb;background:#fff;}
#psp_iframe{width:100%;min-height:760px;border:0;display:block;}
.vc-faq-section{padding:46px 0;background:#fff;}
.vc-faq-head{max-width:720px;margin:0 auto 1.5rem;text-align:center;}
.vc-faq-head h2{margin:0;color:var(--vtc-blue-dark);font-size:1.55rem;font-weight:850;}
.vc-faq-list{display:grid;gap:.75rem;max-width:900px;margin:0 auto;}
.vc-faq-list details{border:1px solid #dbe5f1;border-radius:var(--vtc-radius);background:#fff;box-shadow:0 10px 24px rgba(15,23,42,.04);}
.vc-faq-list summary{cursor:pointer;padding:1rem 1.15rem;color:#111827;font-weight:850;line-height:1.35;}
.vc-faq-list p{margin:0;padding:0 1.15rem 1.05rem;color:#4b5563;line-height:1.62;}
.vc-ktg-shell{padding:1.65rem;}
.vc-ktg-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(310px,.72fr);gap:1.35rem;align-items:start;}
.vc-ktg-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem;}
.vc-ktg-form label{display:flex;min-width:0;min-height:118px;flex-direction:column;gap:.45rem;padding:1rem;border:1px solid #e5e7eb;border-radius:var(--vtc-radius);background:#f8fafc;}
.vc-ktg-form label span{color:#111827;font-size:.88rem;font-weight:850;}
.vc-ktg-form input,.vc-ktg-form select{width:100%;min-height:44px;border:1px solid #d7e0eb;border-radius:10px;background:#fff;color:#102a59;font:inherit;font-weight:750;padding:.65rem .75rem;}
.vc-ktg-form input[type=range]{padding:0;border:0;background:transparent;accent-color:var(--vtc-blue-dark);}
.vc-ktg-form label em{color:#64748b;font-size:.78rem;font-style:normal;line-height:1.3;}
.vc-ktg-form label strong{color:var(--vtc-blue-dark);font-size:.95rem;}
.vc-ktg-result{position:sticky;top:1rem;padding:1.25rem;border-radius:var(--vtc-radius-lg);background:linear-gradient(160deg,#08285b,#0758d8);color:#fff;box-shadow:0 20px 46px rgba(8,40,91,.22);}
.vc-ktg-result .vc-eyebrow{color:#cfe0ff;}
.vc-ktg-result__main{padding:1rem 0 1.1rem;border-bottom:1px solid rgba(255,255,255,.22);}
.vc-ktg-result__main strong{display:block;font-size:clamp(2.2rem,4vw,3.1rem);line-height:1;font-weight:900;}
.vc-ktg-result__main span{display:block;margin-top:.35rem;color:#dbeafe;font-size:.9rem;}
.vc-ktg-result__rows{padding:1rem 0 .55rem;}
.vc-ktg-result__rows p{display:flex;justify-content:space-between;gap:1rem;margin:0;padding:.62rem 0;border-bottom:1px solid rgba(255,255,255,.16);}
.vc-ktg-result__rows span{color:#dbeafe;font-size:.84rem;}
.vc-ktg-result__rows strong{font-size:.92rem;text-align:right;}
.vc-ktg-note{margin:.65rem 0 1rem;color:#eaf2ff;font-size:.86rem;line-height:1.45;}
.vc-ktg-result .vc-btn-primary{width:100%;background:#fff;color:#08285b!important;box-shadow:none;}
.vc-ktg-page .vc-benefits{background:#fff;}
.vc-advisor-section{padding:48px 0;background:#edf2f8;}
.vc-advisor-intro{max-width:680px;margin:0 auto 1.6rem;text-align:center;}
.vc-advisor-intro h2{font-size:1.5rem;font-weight:850;color:var(--vtc-blue-dark);margin-bottom:.5rem;}
@media(max-width:991px){.vc-pkv-hero h1{max-width:100%;}}
@media(max-width:768px){.vc-pkv-hero{padding:40px 0 32px;}.vc-pkv-hero h1{font-size:clamp(2rem,10vw,2.8rem);line-height:1.08;}.vc-info-card{padding:1.2rem;}.vc-snippet-box{padding:1.2rem;}.vc-calculator-header{display:block;}.vc-secure-note{display:inline-block;margin-top:.8rem;}.vc-calculator-shell{padding:.9rem;}#psp_iframe{min-height:850px;}.vc-ktg-grid{grid-template-columns:1fr;}.vc-ktg-form{grid-template-columns:1fr;}.vc-ktg-form label{min-height:0;}.vc-ktg-result{position:static;}.vc-ktg-result__rows p{display:block;}.vc-ktg-result__rows strong{display:block;margin-top:.15rem;text-align:left;}}