:root {
  --navy: #16324f;
  --navy-deep: #0f2238;
  --navy-ink: #224f78;
  --gold: #c9a45c;
  --gold-bright: #f0b429;
  --cream: #f6f1e7;
  --cream-2: #efe7d6;
  --paper: #fffdf8;
  --ink: #1b2430;
  --muted: #5b6673;
  --line: #e3dccb;
  --ok: #1f7a4d;
  --err: #b3261e;
  --sans: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 34, 56, .18);
  --maxw: 1080px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--paper); line-height: 1.55; font-size: 16px; }
img { max-width: 100%; display: block; }
a { color: var(--navy-ink); }
h1, h2, h3 { font-family: var(--serif); line-height: 1.12; margin: 0 0 .5em; font-weight: 600; letter-spacing: -.01em; }
h2 { font-size: clamp(1.6rem, 2.6vw + .8rem, 2.3rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.wrap { width: min(var(--maxw), 100% - 2.5rem); margin-inline: auto; }
.sr { position: absolute; left: -9999px; }

/* header */
.top { position: absolute; inset: 0 0 auto 0; z-index: 5; padding: .9rem 0; }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.top .logo { height: 44px; width: auto; filter: brightness(0) invert(1); }
.top .phone { color: #fff; text-decoration: none; font-weight: 600; font-size: .95rem; white-space: nowrap; opacity: .92; }
.top .phone span { display: none; }
@media (min-width: 640px) { .top .logo { height: 54px; } .top .phone span { display: inline; opacity: .8; font-weight: 500; margin-right: .35rem; } }

/* hero */
.hero { position: relative; color: #fff; background: var(--navy-deep); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .92; }
.hero-bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,34,56,.72) 0%, rgba(15,34,56,.55) 45%, rgba(15,34,56,.86) 100%); }
@media (min-width: 900px) { .hero-bg::after { background: linear-gradient(90deg, rgba(15,34,56,.90) 0%, rgba(15,34,56,.72) 48%, rgba(15,34,56,.25) 100%); } }
.hero .wrap { position: relative; display: grid; gap: 1.5rem; padding: 6.2rem 0 2.5rem; }
@media (min-width: 900px) { .hero .wrap { grid-template-columns: 1.05fr .95fr; align-items: center; gap: 3rem; padding: 7.5rem 0 4rem; min-height: 640px; } }
.eyebrow { display: inline-flex; align-items: center; gap: .5rem; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-bright); font-weight: 700; margin-bottom: 1rem; }
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold-bright); }
.hero h1 { font-size: clamp(2.05rem, 4.6vw + .8rem, 3.6rem); color: #fff; text-wrap: balance; }
.hero .sub { font-size: clamp(1.05rem, .7vw + .9rem, 1.25rem); color: rgba(255,255,255,.88); max-width: 34rem; text-wrap: pretty; }
.chips { display: flex; flex-wrap: wrap; gap: .5rem .6rem; margin: 1.1rem 0 0; padding: 0; list-style: none; }
.chips li { font-size: .82rem; font-weight: 600; padding: .42rem .7rem; border: 1px solid rgba(255,255,255,.35); border-radius: 999px; color: #fff; backdrop-filter: blur(4px); background: rgba(255,255,255,.08); display: inline-flex; align-items: center; gap: .4rem; }
.chips li::before { content: "✓"; color: var(--gold-bright); font-weight: 800; }
.hero-cta { margin-top: 1.4rem; display: none; }
@media (min-width: 900px) { .hero-cta { display: none; } }

/* form card */
.card { background: var(--paper); color: var(--ink); border-radius: var(--radius); box-shadow: var(--shadow); padding: 1.25rem; }
@media (min-width: 640px) { .card { padding: 1.6rem 1.7rem; } }
.card-head { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; margin-bottom: .6rem; }
.card-head h2 { font-size: 1.35rem; margin: 0; }
.card-head .stepct { font-size: .78rem; color: var(--muted); font-weight: 600; white-space: nowrap; }
.progress { height: 6px; background: var(--cream-2); border-radius: 999px; overflow: hidden; margin: .35rem 0 1.1rem; }
.progress > i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--gold), var(--gold-bright)); transition: width .35s ease; }
.q { font-weight: 700; font-size: 1.12rem; margin: .2rem 0 .3rem; line-height: 1.3; }
.help { color: var(--muted); font-size: .9rem; margin: 0 0 .9rem; }
.opts { display: grid; gap: .55rem; grid-template-columns: 1fr; }
@media (min-width: 480px) { .opts { grid-template-columns: 1fr 1fr; } }
.opts.one { grid-template-columns: 1fr; }
.opt { appearance: none; font: inherit; font-weight: 600; text-align: left; padding: .8rem 1rem; border: 1.5px solid var(--line); background: #fff; border-radius: 10px; cursor: pointer; color: var(--ink); transition: border-color .15s, background .15s, transform .05s; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; gap: .1rem; min-height: 52px; line-height: 1.3; }
.opt:hover { border-color: var(--gold); }
.opt:active { transform: scale(.99); }
.opt.sel { border-color: var(--navy-ink); background: #eef4fb; box-shadow: inset 0 0 0 1px var(--navy-ink); }
.opt small { display: block; font-weight: 500; color: var(--muted); font-size: .8rem; }
.field { margin: 0 0 .85rem; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: .3rem; }
.field input, .field select { width: 100%; font: inherit; font-size: 1.05rem; padding: .8rem .9rem; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink); min-height: 50px; }
.field input:focus, .field select:focus { outline: none; border-color: var(--navy-ink); box-shadow: 0 0 0 3px rgba(34,79,120,.15); }
.field .err { color: var(--err); font-size: .82rem; margin-top: .3rem; display: none; }
.field.bad input { border-color: var(--err); }
.field.bad .err { display: block; }
.money { position: relative; }
.money::before { content: "$"; position: absolute; left: .9rem; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.money input { padding-left: 1.7rem; }
.row2 { display: grid; gap: .6rem; grid-template-columns: 1fr; }
@media (min-width: 480px) { .row2 { grid-template-columns: 2fr 1fr; } }
.btn { appearance: none; border: 0; font: inherit; font-weight: 700; font-size: 1.05rem; padding: .95rem 1.4rem; border-radius: 10px; cursor: pointer; background: var(--gold-bright); color: var(--navy-deep); width: 100%; min-height: 54px; box-shadow: 0 6px 18px rgba(240,180,41,.35); transition: transform .06s, filter .15s; }
.btn:hover { filter: brightness(1.04); }
.btn:active { transform: translateY(1px); }
.btn.ghost { background: transparent; color: var(--navy-ink); box-shadow: none; border: 1.5px solid var(--line); width: auto; padding: .6rem 1rem; font-size: .9rem; min-height: 0; }
.btn[disabled] { opacity: .6; cursor: progress; }
.nav-row { display: flex; align-items: center; justify-content: space-between; gap: .75rem; margin-top: 1rem; }
.nav-row .btn { flex: 1; }
.fine { font-size: .78rem; color: var(--muted); margin: .8rem 0 0; line-height: 1.45; }
.fine a { color: inherit; }
.lock { display: inline-flex; align-items: center; gap: .35rem; font-size: .8rem; color: var(--muted); font-weight: 600; margin-top: .6rem; }
.trust-line { font-size: .85rem; color: var(--muted); margin: .75rem 0 0; }

/* estimator result */
.result { text-align: center; padding: .4rem 0 .2rem; }
.result .label { font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.result .range { font-family: var(--serif); font-size: clamp(1.75rem, 4vw + .5rem, 2.6rem); color: var(--navy); font-weight: 700; margin: .25rem 0 .4rem; line-height: 1.1; }
.result .basis { font-size: .88rem; color: var(--muted); max-width: 30rem; margin: 0 auto .6rem; }
.result .note { background: var(--cream); border-radius: 10px; padding: .8rem .9rem; font-size: .9rem; text-align: left; margin: .9rem 0; }
.result .note b { color: var(--navy); }

/* sections */
section { padding: 3.2rem 0; }
section.alt { background: var(--cream); }
section.dark { background: var(--navy); color: #fff; }
section.dark h2 { color: #fff; }
.lead { font-size: 1.1rem; color: var(--muted); max-width: 40rem; margin-bottom: 2rem; text-wrap: pretty; }
.dark .lead { color: rgba(255,255,255,.8); }
.steps { display: grid; gap: 1.2rem; counter-reset: s; }
@media (min-width: 768px) { .steps { grid-template-columns: repeat(3, 1fr); gap: 1.5rem; } }
.step { position: relative; padding: 1.3rem 1.2rem 1.2rem 1.2rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.step::before { counter-increment: s; content: counter(s); position: absolute; top: -14px; left: 16px; width: 30px; height: 30px; border-radius: 999px; background: var(--gold-bright); color: var(--navy-deep); font-weight: 800; display: grid; place-items: center; font-size: .9rem; }
.step h3 { margin: .3rem 0 .35rem; }
.step p { margin: 0; color: var(--muted); font-size: .95rem; }
.why { display: grid; gap: 1rem; }
@media (min-width: 768px) { .why { grid-template-columns: 1fr 1fr; gap: 1.2rem; } }
.why .item { display: grid; grid-template-columns: 44px 1fr; gap: .9rem; padding: 1.1rem 1.1rem; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); }
.why .item i { width: 44px; height: 44px; border-radius: 12px; background: rgba(240,180,41,.16); color: var(--gold-bright); display: grid; place-items: center; font-style: normal; font-weight: 800; font-size: 1.2rem; }
.why .item h3 { color: #fff; margin: .1rem 0 .25rem; font-size: 1.08rem; }
.why .item p { margin: 0; color: rgba(255,255,255,.78); font-size: .93rem; }
.stats { display: grid; gap: 1rem; grid-template-columns: repeat(3, 1fr); margin-top: 2rem; text-align: center; }
.stats b { display: block; font-family: var(--serif); font-size: clamp(1.5rem, 3vw + .5rem, 2.4rem); color: var(--gold-bright); line-height: 1; }
.stats span { font-size: .8rem; color: rgba(255,255,255,.75); display: block; margin-top: .35rem; }
.quotes { display: grid; gap: 1rem; }
@media (min-width: 768px) { .quotes { grid-template-columns: repeat(3, 1fr); } }
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem; }
.quote p { font-style: italic; color: var(--ink); margin-bottom: .8rem; }
.quote cite { font-style: normal; font-weight: 700; font-size: .88rem; color: var(--navy); display: block; }
.quote cite small { display: block; font-weight: 500; color: var(--muted); }
.stars { color: var(--gold-bright); letter-spacing: .1em; font-size: .9rem; margin-bottom: .5rem; }
.faq { max-width: 46rem; }
.faq details { border-bottom: 1px solid var(--line); padding: .3rem 0; }
.faq summary { cursor: pointer; font-weight: 700; padding: .8rem 0; list-style: none; display: flex; justify-content: space-between; gap: 1rem; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold); font-size: 1.4rem; font-weight: 400; flex: none; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); margin: 0 0 1rem; }
.cta-band { text-align: center; }
.cta-band .btn { width: auto; min-width: 280px; display: inline-block; text-decoration: none; text-align: center; }
.cta-band .sub { color: rgba(255,255,255,.8); margin-top: .8rem; font-size: .92rem; }

/* footer */
footer { padding: 2.4rem 0 6rem; background: var(--navy-deep); color: rgba(255,255,255,.75); font-size: .86rem; }
@media (min-width: 900px) { footer { padding-bottom: 2.4rem; } }
footer .wrap { display: grid; gap: 1.2rem; }
@media (min-width: 768px) { footer .wrap { grid-template-columns: 1.2fr 1fr; align-items: start; } }
footer .logo { height: 42px; width: auto; filter: brightness(0) invert(1); opacity: .9; margin-bottom: .8rem; }
footer a { color: #fff; }
footer .legal { color: rgba(255,255,255,.5); font-size: .78rem; }
footer .links a { margin-right: 1rem; }

/* sticky mobile CTA */
.sticky { position: fixed; left: 0; right: 0; bottom: 0; z-index: 20; padding: .6rem .9rem calc(.6rem + env(safe-area-inset-bottom)); background: rgba(15,34,56,.96); backdrop-filter: blur(8px); border-top: 1px solid rgba(255,255,255,.12); display: flex; gap: .6rem; align-items: center; transform: translateY(110%); transition: transform .3s ease; }
.sticky.on { transform: translateY(0); }
.sticky .btn { flex: 1; min-height: 48px; padding: .7rem 1rem; font-size: .98rem; }
.sticky .call { color: #fff; text-decoration: none; font-weight: 700; padding: .7rem .9rem; border: 1px solid rgba(255,255,255,.35); border-radius: 10px; white-space: nowrap; }
@media (min-width: 900px) { .sticky { display: none; } }

/* thank-you / simple pages */
.simple { padding: 6.5rem 0 3rem; min-height: 70vh; }
.simple .card { max-width: 40rem; margin: 0 auto; }
.simple h1 { color: var(--navy); font-size: clamp(1.8rem, 3vw + .8rem, 2.6rem); }
.next-list { padding-left: 1.2rem; color: var(--ink); }
.next-list li { margin-bottom: .5rem; }
.prose { max-width: 44rem; margin: 0 auto; }
.prose h2 { font-size: 1.3rem; margin-top: 1.6rem; }
.top.solid { position: static; background: var(--navy-deep); }
.top.solid + .simple { padding-top: 2.5rem; }
.pulse { animation: pulse 1.2s ease-in-out infinite; }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: .55; } }
@media (prefers-reduced-motion: reduce) { * { transition: none !important; animation: none !important; } }