.coi-ultra{
    --bg:#f3f7f9;
    --bg2:#fbfdfe;
    --ink:#143149;
    --ink2:#274f6b;
    --muted:#667e91;
    --line:rgba(20,49,73,.10);
    --primary:#245f7a;
    --primary2:#3484a8;
    --white:#ffffff;
    --soft:#f7fbfc;
    --shadow:0 18px 48px rgba(18,40,58,.08);
    --shadow-lg:0 30px 86px rgba(18,40,58,.12);
    font-family:Inter,Segoe UI,Arial,sans-serif;
    color:var(--ink);
    background:
      radial-gradient(circle at 12% 10%, rgba(52,132,168,.08), transparent 22%),
      radial-gradient(circle at 88% 8%, rgba(36,95,122,.06), transparent 18%),
      linear-gradient(180deg,var(--bg2) 0%,var(--bg) 100%);
    overflow:hidden;
  }
  .coi-ultra *{box-sizing:border-box}
  .coi-ultra img{max-width:100%;display:block}
  .coi-ultra a{text-decoration:none;color:inherit}
  .coi-wrap{width:min(1240px,92%);margin:0 auto}
  .coi-pill{
    display:inline-flex;align-items:center;justify-content:center;
    padding:11px 18px;border-radius:999px;
    background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);
    color:var(--primary2);font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  }

  .coi-header{padding:24px 0 10px}
  .coi-header-box{
    background:rgba(255,255,255,.95);
    border:1px solid rgba(255,255,255,.94);
    border-radius:34px;
    box-shadow:var(--shadow);
    padding:24px 28px 20px;
  }
  .coi-header-top{
    display:grid;
    grid-template-columns:minmax(0,1fr) 250px;
    gap:26px;
    align-items:start;
  }
  .coi-brand-image{
    background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);
    padding:10px;
  }
  .coi-brand-image img{
    width:100%;
    height:190px;
    object-fit:cover;
    object-position:center top;
    border-radius:22px;
  }
  .coi-contact-stack{
    display:grid;
    gap:12px;
    align-content:start;
  }
  .coi-btn,
  .coi-btn-light{
    display:inline-flex;align-items:center;justify-content:center;
    min-height:54px;
    padding:14px 18px;border-radius:18px;font-size:15px;font-weight:800;text-align:center;
    transition:.25s ease;
  }
  .coi-btn{
    background:linear-gradient(135deg,var(--primary),var(--primary2));
    color:#fff;box-shadow:0 14px 30px rgba(36,95,122,.18);
  }
  .coi-btn:hover{transform:translateY(-1px)}
  .coi-btn-light{
    background:linear-gradient(135deg,#dbeef6 0%, #eef8fc 100%);
    border:1px solid rgba(52,132,168,.22);
    color:var(--ink);
    box-shadow:0 12px 24px rgba(36,95,122,.10);
  }
  .coi-btn-light:hover{transform:translateY(-1px)}

  .coi-nav{
    margin-top:18px;
    display:flex;justify-content:center;gap:16px;flex-wrap:wrap;
  }
  .coi-nav a{
    padding:13px 18px;border-radius:999px;background:#fff;border:1px solid var(--line);
    box-shadow:var(--shadow);font-size:14px;font-weight:800;color:var(--ink2);
  }
  .coi-nav a:hover{color:var(--primary2)}
  .coi-policy-row{
    margin-top:16px;padding-top:16px;border-top:1px solid rgba(20,49,73,.08);
    display:flex;justify-content:center;gap:14px;flex-wrap:wrap;
    color:var(--muted);font-size:13px;font-weight:700;
  }

  .coi-hero{padding:34px 0 50px}
  .coi-hero-grid{
    display:grid;grid-template-columns:1.08fr .92fr;gap:48px;align-items:start;
  }
  .coi-title{
    margin:18px 0 18px;
    font-size:clamp(58px,7vw,94px);
    line-height:.92;
    letter-spacing:-.05em;
    font-weight:900;
    max-width:760px;
  }
  .coi-title .accent{color:var(--primary2)}
  .coi-subtitle{
    max-width:680px;
    margin:0 0 26px;
    color:var(--muted);
    font-size:20px;
    line-height:1.75;
  }
  .coi-hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px}
  .coi-hero-actions .coi-btn-light{
    background:#fff;
    border:1px solid var(--line);
    color:var(--ink);
    box-shadow:var(--shadow);
  }
  .coi-feature-grid{
    display:grid;grid-template-columns:repeat(3,1fr);gap:18px;
  }
  .coi-feature{
    background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);padding:24px;
  }
  .coi-feature h3{margin:0 0 10px;font-size:28px;line-height:1}
  .coi-feature p{margin:0;color:var(--muted);font-size:15px;line-height:1.8;font-weight:600}

  .coi-hero-side .coi-visual-frame{
    background:#fff;border:1px solid rgba(255,255,255,.94);border-radius:34px;padding:18px;box-shadow:var(--shadow-lg);
  }
  .coi-hero-side .coi-visual-frame img{
    width:100%;height:auto;border-radius:26px;object-fit:cover;object-position:center top;
  }
  .coi-side-boxes{
    display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px;
  }
  .coi-side-card{
    background:linear-gradient(180deg,#ffffff 0%, #f6fbfd 100%);
    border:1px solid rgba(20,49,73,.08);
    border-radius:24px;
    box-shadow:var(--shadow);
    padding:24px;
    min-height:220px;
    position:relative;
    overflow:hidden;
  }
  .coi-side-card:before{
    content:"";
    position:absolute;
    top:0;left:0;right:0;
    height:5px;
    background:linear-gradient(90deg,var(--primary2),var(--primary));
  }
  .coi-side-card span{
    display:block;margin-bottom:10px;color:var(--primary2);font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  }
  .coi-side-card strong{
    display:block;margin-bottom:10px;font-size:22px;line-height:1.25;
  }
  .coi-side-card p{
    margin:0;color:var(--muted);font-size:14px;line-height:1.78;font-weight:600;
  }

  .coi-section{padding:28px 0}
  .coi-section-head{
    display:flex;justify-content:space-between;gap:28px;align-items:end;flex-wrap:wrap;margin-bottom:24px;
  }
  .coi-h2{
    margin:0;
    font-size:clamp(34px,4vw,52px);
    line-height:1.04;
    letter-spacing:-.035em;
  }
  .coi-lead{
    max-width:560px;color:var(--muted);font-size:17px;line-height:1.85;font-weight:600;
  }

  .coi-about-grid{
    display:grid;grid-template-columns:1.02fr .98fr;gap:22px;
  }
  .coi-card{
    background:#fff;border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow);padding:34px;
  }
  .coi-card p{
    margin:0 0 16px;color:var(--muted);font-size:16px;line-height:1.9;font-weight:600;
  }
  .coi-card p:last-child{margin-bottom:0}
  .coi-checklist{display:grid;gap:16px}
  .coi-check{
    display:flex;gap:14px;align-items:flex-start;background:linear-gradient(180deg,#f9fcfd 0%, #f2f8fa 100%);border:1px solid rgba(20,49,73,.06);border-radius:22px;padding:18px 18px;
    box-shadow:0 10px 24px rgba(18,40,58,.04);
  }
  .coi-check-mark{
    width:34px;height:34px;border-radius:999px;display:flex;align-items:center;justify-content:center;flex:0 0 34px;
    background:#e8f5f8;color:var(--primary2);font-weight:900;
  }
  .coi-check strong{display:block;margin-bottom:5px;font-size:18px}
  .coi-check span{display:block;color:var(--muted);font-size:14px;line-height:1.75;font-weight:600}

  .coi-services-grid{
    display:grid;grid-template-columns:repeat(3,1fr);gap:18px;
  }
  .coi-service{
    background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);padding:28px;
  }
  .coi-icon{
    width:58px;height:58px;border-radius:18px;display:flex;align-items:center;justify-content:center;background:#edf7fa;color:var(--primary2);font-size:24px;font-weight:900;margin-bottom:18px;
  }
  .coi-service h3{margin:0 0 12px;font-size:24px;line-height:1.18}
  .coi-service p{margin:0;color:var(--muted);font-size:15px;line-height:1.85;font-weight:600}

  .coi-testimonials{
    display:grid;grid-template-columns:repeat(3,1fr);gap:18px;
  }
  .coi-testimonial{
    background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);padding:28px;
  }
  .coi-stars{
    margin-bottom:14px;color:var(--primary2);font-size:18px;letter-spacing:.08em;font-weight:900;
  }
  .coi-testimonial p{
    margin:0 0 16px;color:var(--muted);font-size:15px;line-height:1.85;font-weight:600;
  }
  .coi-person strong{display:block;font-size:18px;line-height:1.2}
  .coi-person span{display:block;margin-top:4px;color:var(--muted);font-size:14px;font-weight:700}

  .coi-membership-grid{
    display:grid;grid-template-columns:1fr 1fr;gap:22px;
  }
  .coi-plan{background:linear-gradient(135deg,#fafdff 0%,#edf7fa 100%)}
  .coi-price{
    display:flex;align-items:flex-end;gap:10px;margin:14px 0 18px;
  }
  .coi-price strong{font-size:78px;line-height:.9;letter-spacing:-.05em}
  .coi-price span{padding-bottom:10px;font-size:18px;color:var(--muted);font-weight:800}
  .coi-list{display:grid;gap:12px;margin-top:18px}
  .coi-list div{
    padding:14px 16px;border-radius:18px;background:#fff;border:1px solid var(--line);font-size:14px;font-weight:700;color:var(--ink2);
  }

  .coi-compliance{
    background:linear-gradient(135deg,#18364d 0%,#204a64 100%);
    color:#fff;
  }
  .coi-compliance p{color:rgba(255,255,255,.84)}
  .coi-policy-grid{
    display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px;
  }
  .coi-policy{
    padding:16px 18px;border-radius:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.10);font-size:14px;line-height:1.75;font-weight:700;
  }

  .coi-contact-grid{
    display:grid;grid-template-columns:1fr .9fr;gap:22px;
  }
  .coi-contact-box{display:grid;gap:16px}
  .coi-contact-item{
    display:flex;gap:14px;align-items:flex-start;background:var(--soft);border:1px solid rgba(20,49,73,.06);border-radius:20px;padding:18px;
  }
  .coi-contact-icon{
    width:44px;height:44px;border-radius:14px;flex:0 0 44px;display:flex;align-items:center;justify-content:center;background:#edf7fa;color:var(--primary2);font-weight:900;font-size:20px;
  }
  .coi-contact-item strong{display:block;margin-bottom:4px;font-size:17px}
  .coi-contact-item span,.coi-contact-item a{color:var(--muted);font-size:15px;line-height:1.75;font-weight:700}

  .coi-footer{
    padding:26px 0 36px;border-top:1px solid rgba(20,49,73,.08);margin-top:8px;
  }
  .coi-footer-box{
    display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:14px;font-weight:700;color:var(--muted);
  }

  @media (max-width:1180px){
    .coi-hero-grid,
    .coi-about-grid,
    .coi-membership-grid,
    .coi-contact-grid,
    .coi-services-grid,
    .coi-testimonials{
      grid-template-columns:1fr 1fr;
    }
    .coi-services-grid .coi-service:last-child,
    .coi-testimonials .coi-testimonial:last-child{
      grid-column:1 / -1;
    }
  }
  @media (max-width:900px){
    .coi-header-top,
    .coi-hero-grid,
    .coi-about-grid,
    .coi-membership-grid,
    .coi-contact-grid,
    .coi-services-grid,
    .coi-testimonials,
    .coi-feature-grid,
    .coi-side-boxes,
    .coi-policy-grid{
      grid-template-columns:1fr;
    }
    .coi-nav,.coi-policy-row{justify-content:flex-start}
    .coi-title{font-size:clamp(42px,12vw,68px)}
  }
  @media (max-width:560px){
    .coi-header-top{grid-template-columns:1fr}
    .coi-btn,.coi-btn-light{width:100%}
    .coi-card,.coi-service,.coi-testimonial,.coi-side-card{padding:22px}
  }

html{background:#f3f7f9}body{margin:0}html{scroll-behavior:smooth}.coi-ultra{overflow:clip;min-height:100vh}.coi-ultra a:focus-visible{outline:3px solid #3484a8;outline-offset:5px}.coi-btn{color:#fff!important}.coi-header-top>*{min-width:0}.coi-contact-stack .coi-btn-light{overflow-wrap:anywhere;font-size:14px}.coi-brand-image img{height:auto;aspect-ratio:3/1;object-fit:cover}.coi-title{font-family:Inter,"Arial Black","Segoe UI",Arial,sans-serif}.coi-feature-grid{grid-template-columns:1fr}.coi-feature{padding:20px 24px;display:grid;grid-template-columns:125px 1fr;gap:16px;align-items:start}.coi-feature h3{font-size:22px;margin:0}.coi-feature p{font-weight:500}.coi-hero-side{position:sticky;top:24px}.coi-business-grid{display:block}.coi-business-grid .coi-compliance{padding:42px}.coi-h2{margin-top:16px}.coi-contact-item>div:last-child{min-width:0}.coi-contact-item a{overflow-wrap:anywhere}.coi-policy-row a:hover{text-decoration:underline}.coi-nav a[aria-current]{background:#e8f5f8;border-color:#b3d7e2}.coi-subtitle{font-size:18px}.coi-skip{position:absolute;top:-100px;left:20px;z-index:10;background:white;padding:12px}.coi-skip:focus{top:10px}
@media(max-width:1180px) and (min-width:901px){.coi-header-top{grid-template-columns:minmax(0,1fr) 230px;gap:20px}.coi-title{font-size:clamp(55px,6.7vw,80px)}.coi-hero-grid{gap:32px}}
@media(max-width:900px){.coi-hero-side{position:static;max-width:520px;width:100%;margin:0 auto}.coi-header-box{padding:20px;border-radius:28px}.coi-header-top{gap:18px}.coi-contact-stack{grid-template-columns:1fr 1fr}.coi-contact-stack>div{grid-column:1/-1}.coi-nav{gap:10px}.coi-nav a{font-size:13px;padding:12px 16px}.coi-hero-grid{gap:28px}.coi-hero-side{grid-row:2}.coi-subtitle{font-size:17px}.coi-business-grid .coi-compliance{padding:28px}.coi-title{line-height:1.01}.coi-testimonials .coi-testimonial:last-child,.coi-services-grid .coi-service:last-child{grid-column:auto}}
@media(max-width:560px){.coi-wrap{width:92%}.coi-header{padding-top:14px}.coi-header-box{padding:14px;border-radius:24px}.coi-brand-image{padding:6px;border-radius:18px}.coi-brand-image img{border-radius:13px}.coi-contact-stack{grid-template-columns:1fr;gap:9px}.coi-contact-stack .coi-btn-light{min-height:44px;padding:11px;font-size:13px;border-radius:14px}.coi-nav{gap:8px;justify-content:center}.coi-nav a{font-size:12px;padding:10px 13px}.coi-policy-row{font-size:11px;gap:10px 14px;justify-content:center;line-height:1.6}.coi-pill{font-size:9px;letter-spacing:.1em;padding:11px 13px}.coi-hero{padding-top:26px;padding-bottom:28px}.coi-title{font-size:clamp(39px,11.1vw,60px);letter-spacing:-.05em}.coi-hero-actions{gap:10px}.coi-btn,.coi-btn-light{min-height:48px;font-size:14px}.coi-feature{display:block}.coi-feature h3{margin-bottom:10px}.coi-hero-side .coi-visual-frame{padding:12px;border-radius:28px}.coi-hero-side .coi-visual-frame img{border-radius:19px}.coi-h2{font-size:30px;line-height:1.12}.coi-section-head{gap:15px}.coi-lead{font-size:16px}.coi-card p{font-size:15px}.coi-check{padding:15px;gap:10px}.coi-check strong{font-size:16px}.coi-section{padding:22px 0}.coi-footer-box{font-size:12px;line-height:1.8}.coi-contact-item{padding:14px;gap:10px}.coi-contact-icon{width:34px;height:34px;flex-basis:34px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.coi-ultra *{transition:none!important}}

.coi-interior .coi-hero{display:grid;grid-template-columns:1.08fr .92fr;gap:24px;padding:28px 0}.coi-interior .coi-title{font-size:clamp(38px,4.1vw,62px);line-height:1.05;margin-top:24px}.coi-interior .coi-card,.coi-panel,.coi-grid-card,.coi-policy-box,.coi-mini,.coi-faq-item{background:#fff;border:1px solid var(--line);border-radius:30px;box-shadow:var(--shadow);padding:32px;min-width:0}.coi-panel h2,.coi-policy-box h2{font-size:26px;line-height:1.2;margin-top:0}.coi-interior p,.coi-interior li{font-size:16px;line-height:1.9;color:var(--muted)}.coi-interior p{margin:0 0 18px}.coi-interior p:last-child{margin-bottom:0}.coi-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:24px 0}.coi-grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.coi-grid-card h3,.coi-mini h3{font-size:24px;line-height:1.2;margin:0 0 16px}.coi-highlight{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin:24px 0}.coi-image-card{margin:26px 0 0;background:#fff;border:1px solid var(--line);border-radius:32px;padding:12px;box-shadow:var(--shadow-lg)}.coi-image-card img{width:100%;height:auto;border-radius:23px}.coi-image-card.stock img{aspect-ratio:2.65;object-fit:cover}.coi-image-card figcaption{font-size:11px;letter-spacing:.06em;color:var(--muted);padding:10px 12px 2px}.coi-cta{margin:28px 0;background:linear-gradient(135deg,#18364d,#245f7a);border-radius:30px;padding:40px;color:#fff}.coi-cta h2{font-size:34px;line-height:1.15;margin:0 0 18px}.coi-cta p{color:#dceaf1}.coi-cta .coi-btn-light,.coi-btn-cta{display:inline-flex;margin-top:20px}.coi-btn-cta{padding:14px 20px;background:#e4f3f8;border-radius:16px;color:var(--ink)!important;font-weight:800}.coi-policy-box{margin:26px 0}.coi-policy-box h3{font-size:23px;line-height:1.3;margin:32px 0 14px}.coi-policy-box p{max-width:1000px}.coi-interior .coi-list{padding-left:22px}.coi-contact-details{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin:24px 0}.coi-contact-details .coi-contact-item{display:block;background:#fff;min-width:0;box-shadow:var(--shadow)}.coi-contact-details a{overflow-wrap:anywhere}.coi-faq{display:grid;gap:16px;margin:24px 0}.coi-faq-item summary{cursor:pointer;font-size:20px;line-height:1.4;font-weight:750}.coi-faq-item p{margin-top:18px}.coi-interior .coi-checklist{margin-top:20px}.coi-draft-note{border:1px solid #b9d5e0;background:#eaf5f8;color:var(--ink2);padding:16px 22px;border-radius:18px;margin:24px 0;font-size:14px}.coi-reading-nav{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0}.coi-reading-nav a{border:1px solid var(--line);border-radius:999px;padding:9px 15px;background:#fff;font-size:13px;color:var(--ink2)}.coi-interior .coi-subtitle{font-size:18px}.coi-interior .coi-services-grid{margin:24px 0}.coi-interior .coi-service p{font-size:15px}.coi-interior .coi-service h3{font-size:24px}.coi-interior ul{padding-left:22px}.coi-interior li{margin-bottom:8px}
@media(max-width:900px){.coi-interior .coi-hero,.coi-grid,.coi-grid.two,.coi-highlight,.coi-contact-details{grid-template-columns:1fr}.coi-interior .coi-title{font-size:clamp(36px,6vw,54px)}.coi-image-card.stock img{aspect-ratio:1.8}.coi-interior .coi-hero{gap:18px}.coi-panel{padding:28px}}
@media(max-width:560px){.coi-interior .coi-title{font-size:38px}.coi-interior .coi-card,.coi-panel,.coi-grid-card,.coi-policy-box,.coi-mini,.coi-faq-item{padding:23px;border-radius:25px}.coi-image-card{padding:8px;border-radius:23px;margin-top:20px}.coi-image-card img{border-radius:17px}.coi-interior p,.coi-interior li{font-size:15px}.coi-cta{padding:27px}.coi-cta h2{font-size:29px}.coi-grid-card h3{font-size:22px}.coi-contact-details{gap:14px}.coi-interior .coi-title{overflow-wrap:normal}.coi-faq-item summary{font-size:18px}}