:root {
  --ink: #16342f;
  --ink-soft: #34504b;
  --cream: #f7f3ea;
  --paper: #fffdf8;
  --sage: #b9c9af;
  --sage-soft: #e8eee3;
  --green: #2e6756;
  --green-dark: #1e493e;
  --copper: #bf6f43;
  --line: #d9dfd6;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(22, 52, 47, 0.10);
  --radius: 18px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 155px; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 8px;
  left: 8px;
  padding: 10px 14px;
  transform: translateY(-150%);
  background: var(--white);
  border-radius: 8px;
}
.skip-link:focus { transform: translateY(0); }

.site-header {
  position: sticky;
  z-index: 50;
  top: 0;
  background: rgba(255, 253, 248, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}

.header-main,
.nav-inner,
.container {
  width: min(calc(100% - 36px), var(--max));
  margin-inline: auto;
}

.header-main {
  min-height: 82px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  font-weight: 850;
  letter-spacing: -0.04em;
  font-size: clamp(1.05rem, 2vw, 1.34rem);
}
.brand-mark {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  color: var(--white);
  background: var(--green);
  border-radius: 12px 12px 4px 4px;
  font-weight: 900;
}
.brand span small {
  display: block;
  margin-top: -3px;
  color: var(--green);
  font-size: 0.68em;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.broker-lockup {
  display: flex;
  align-items: center;
  gap: 13px;
  color: var(--ink-soft);
  font-size: 0.78rem;
  line-height: 1.3;
}
.broker-lockup img { width: 136px; max-height: 45px; object-fit: contain; }

.menu-button {
  display: none;
  min-width: 44px;
  min-height: 44px;
  color: var(--ink);
  background: transparent;
  border: 1px solid var(--line);
  border-radius: 10px;
}

.site-nav { background: var(--ink); color: var(--white); }
.nav-inner {
  display: flex;
  align-items: center;
  gap: 2px;
  overflow-x: auto;
  scrollbar-width: none;
}
.nav-inner::-webkit-scrollbar { display: none; }
.nav-inner a {
  flex: 0 0 auto;
  padding: 13px 14px;
  color: rgba(255,255,255,.78);
  text-decoration: none;
  font-size: 0.86rem;
  font-weight: 700;
  white-space: nowrap;
}
.nav-inner a:hover,
.nav-inner a[aria-current="page"] { color: var(--white); background: rgba(255,255,255,.1); }
.nav-inner .nav-cta { margin-left: auto; background: var(--copper); color: var(--white); }

.section { padding: clamp(64px, 8vw, 108px) 0; }
.section-sm { padding: 46px 0; }
.section-sage { background: var(--sage-soft); }
.section-ink { background: var(--ink); color: var(--white); }
.section-cream { background: var(--cream); }

.eyebrow {
  margin: 0 0 12px;
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.section-ink .eyebrow { color: #c9daba; }
h1, h2, h3 {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.05;
  letter-spacing: -0.035em;
}
h1 { max-width: 830px; font-size: clamp(2.75rem, 7vw, 5.5rem); }
h2 { font-size: clamp(2.1rem, 5vw, 3.7rem); }
h3 { font-size: clamp(1.35rem, 2.4vw, 1.8rem); }
p { margin: 0 0 1rem; }
.lead { max-width: 760px; font-size: clamp(1.12rem, 2vw, 1.35rem); color: var(--ink-soft); }
.section-ink .lead { color: rgba(255,255,255,.76); }
.fine-print { color: var(--ink-soft); font-size: 0.82rem; line-height: 1.55; }
.section-ink .fine-print { color: rgba(255,255,255,.68); }

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(72px, 10vw, 138px) 0 74px;
  background:
    radial-gradient(circle at 88% 18%, rgba(185,201,175,.65), transparent 26%),
    linear-gradient(130deg, var(--paper), var(--cream));
}
.hero::after {
  content: "1%";
  position: absolute;
  right: -0.04em;
  bottom: -0.3em;
  z-index: 0;
  color: rgba(46,103,86,.06);
  font: 900 min(40vw, 540px)/1 Georgia, serif;
}
.hero .container { position: relative; z-index: 1; }
.hero-copy { max-width: 880px; }
.hero .lead { max-width: 700px; margin-top: 22px; }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  color: var(--white);
  background: var(--green);
  border: 1px solid var(--green);
  border-radius: 10px;
  text-decoration: none;
  font-weight: 800;
  transition: transform .15s ease, background .15s ease;
}
.button:hover { transform: translateY(-1px); background: var(--green-dark); }
.button-secondary { color: var(--green); background: transparent; }
.button-light { color: var(--ink); background: var(--white); border-color: var(--white); }
.button-copper { background: var(--copper); border-color: var(--copper); }
.button:disabled { opacity: .6; cursor: wait; }

.trust-note {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 14px;
  align-items: start;
  margin: 28px 0 0;
  padding: 18px 20px;
  max-width: 760px;
  color: var(--ink);
  background: rgba(255,255,255,.78);
  border: 1px solid rgba(46,103,86,.2);
  border-radius: 14px;
}
.trust-icon {
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  color: var(--white);
  background: var(--green);
  border-radius: 50%;
  font-weight: 900;
}
.trust-note strong { display: block; }
.trust-note p { margin: 2px 0 0; color: var(--ink-soft); font-size: .92rem; }

.page-hero { padding: 68px 0 42px; background: var(--cream); }
.page-hero h1 { max-width: 900px; font-size: clamp(2.5rem, 6vw, 4.8rem); }
.page-hero .lead { margin-top: 18px; }
.page-hero .trust-note { margin-top: 24px; }

.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: clamp(28px, 5vw, 64px); align-items: start; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 22px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 18px; }
.stack > * + * { margin-top: 22px; }

.card {
  padding: clamp(22px, 3vw, 34px);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: 0 10px 30px rgba(22,52,47,.05);
}
.card h3 { margin-bottom: 12px; }
.card p:last-child { margin-bottom: 0; }
.icon-card { min-height: 220px; }
.icon-number {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  margin-bottom: 22px;
  color: var(--white);
  background: var(--green);
  border-radius: 50%;
  font-weight: 900;
}

.comparison-wrap {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 26px;
  align-items: stretch;
}
.calculator { background: var(--ink); color: var(--white); border: 0; box-shadow: var(--shadow); }
.calculator label { color: rgba(255,255,255,.78); }
.calculator input { color: var(--white); background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.25); }
.result-row { display: flex; justify-content: space-between; gap: 24px; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.13); }
.result-row strong { font-size: 1.28rem; }
.result-row.savings { color: #d8e8c9; border: 0; }

.callout {
  padding: clamp(28px, 5vw, 52px);
  color: var(--white);
  background: var(--green);
  border-radius: 24px;
}
.callout h2 { max-width: 800px; }
.callout p { max-width: 740px; margin-top: 16px; color: rgba(255,255,255,.82); }

.check-list,
.plain-list { margin: 18px 0 0; padding: 0; list-style: none; }
.check-list li,
.plain-list li { position: relative; padding: 10px 0 10px 30px; border-bottom: 1px solid var(--line); }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 900; }
.plain-list li { padding-left: 0; }
.section-ink .check-list li { border-color: rgba(255,255,255,.14); }

.terms-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 16px; margin-top: 30px; }
.term { padding: 22px; background: var(--white); border: 1px solid var(--line); border-radius: 14px; }
.term strong { display: block; margin-bottom: 4px; font-family: Georgia, serif; font-size: 1.25rem; }

.form-card { padding: clamp(24px, 4vw, 42px); background: var(--white); border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 18px; }
.field { display: flex; flex-direction: column; gap: 7px; }
.field-full { grid-column: 1 / -1; }
.field label, fieldset legend { font-weight: 800; }
.field small { color: var(--ink-soft); }
input, select, textarea {
  width: 100%;
  min-height: 49px;
  padding: 11px 13px;
  color: var(--ink);
  background: var(--white);
  border: 1px solid #aebbb2;
  border-radius: 9px;
}
textarea { min-height: 120px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(46,103,86,.2); border-color: var(--green); }
fieldset { min-width: 0; margin: 0; padding: 0; border: 0; }
.choice-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 9px; margin-top: 8px; }
.choice {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  padding: 11px 12px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 9px;
  font-weight: 600;
}
.choice input { flex: 0 0 auto; width: 18px; min-height: 18px; margin-top: 3px; }
.form-actions { display: flex; flex-wrap: wrap; gap: 10px; justify-content: space-between; margin-top: 28px; }
.required-note { margin-bottom: 20px; color: var(--ink-soft); font-size: .85rem; }
.honeypot { position: absolute; left: -10000px; }

.step-bar { display: grid; grid-template-columns: repeat(3,1fr); gap: 8px; margin: 0 0 32px; padding: 0; list-style: none; }
.step-bar li { padding: 11px; color: var(--ink-soft); background: var(--sage-soft); border-radius: 9px; font-size: .82rem; font-weight: 800; text-align: center; }
.step-bar li.is-current { color: var(--white); background: var(--green); }
.step-bar li.is-complete { color: var(--green-dark); background: #dbe7d3; }
.form-section { scroll-margin-top: 160px; }
.form-section h2 { margin-bottom: 12px; font-size: clamp(1.9rem,4vw,2.8rem); }
.form-section h3 { margin: 32px 0 14px; font-size: 1.4rem; }

.profile { display: grid; grid-template-columns: .82fr 1.18fr; gap: clamp(30px,6vw,80px); align-items: center; }
.profile-photo { overflow: hidden; aspect-ratio: 4/5; border-radius: 26px; box-shadow: var(--shadow); }
.profile-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 35%; }
.credential-strip { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin: 24px 0; }
.credential-strip div { padding: 16px; background: var(--sage-soft); border-radius: 12px; text-align: center; }
.credential-strip strong { display: block; font-family: Georgia,serif; font-size: 1.35rem; }

.faq-list { max-width: 920px; margin: 34px auto 0; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 22px 4px;
  color: var(--ink);
  background: transparent;
  border: 0;
  text-align: left;
  font-family: Georgia,serif;
  font-size: 1.25rem;
  font-weight: 700;
}
.faq-question::after { content: "+"; color: var(--green); font: 800 1.5rem/1 sans-serif; }
.faq-question[aria-expanded="true"]::after { content: "−"; }
.faq-answer { padding: 0 44px 24px 4px; color: var(--ink-soft); }

.site-footer { padding: 54px 0 30px; color: rgba(255,255,255,.78); background: #102b26; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .7fr .8fr; gap: 34px; }
.site-footer .brand { color: var(--white); }
.site-footer h3 { margin-bottom: 12px; color: var(--white); font: 800 1rem/1.3 Inter,sans-serif; letter-spacing: .02em; }
.site-footer a { color: inherit; }
.footer-links { display: grid; gap: 8px; }
.footer-legal { margin-top: 34px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.14); font-size: .78rem; }
.footer-logo { width: 190px; margin-top: 20px; filter: brightness(0) invert(1); opacity: .85; }

.success-page { min-height: 55vh; display: grid; place-items: center; text-align: center; }
.success-page .card { max-width: 680px; }

@media (max-width: 900px) {
  .broker-lockup span { display: none; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .grid-3, .terms-grid { grid-template-columns: 1fr 1fr; }
  .comparison-wrap, .profile { grid-template-columns: 1fr; }
  .profile-photo { max-width: 520px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > :first-child { grid-column: 1/-1; }
}

@media (max-width: 700px) {
  .header-main { min-height: 70px; }
  .broker-lockup { display: none; }
  .menu-button { display: grid; place-items: center; }
  .site-nav { display: none; }
  .site-nav.is-open { display: block; }
  .nav-inner { width: 100%; display: grid; overflow: visible; }
  .nav-inner a { width: 100%; padding: 13px 18px; }
  .nav-inner .nav-cta { margin-left: 0; }
  .grid-2, .grid-3, .grid-4, .terms-grid, .form-grid { grid-template-columns: 1fr; }
  .field-full { grid-column: auto; }
  .choice-grid { grid-template-columns: 1fr 1fr; }
  .credential-strip { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > :first-child { grid-column: auto; }
  .step-bar li { font-size: .7rem; padding-inline: 4px; }
  .hero { padding-top: 58px; }
}

@media (max-width: 430px) {
  .choice-grid { grid-template-columns: 1fr; }
  .button-row .button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .001ms !important; animation-duration: .001ms !important; }
}