:root {
  --navy: #012247;
  --navy-deep: #00152f;
  --teal: #08afc4;
  --teal-dark: #087f98;
  --gold: #f5a915;
  --paper: #f7f5ef;
  --ink: #08233e;
  --muted: #5d6e7c;
  --line: #d8e1e5;
  --white: #fff;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; color: var(--ink); background: var(--paper); }
a { color: inherit; }
img { display: block; max-width: 100%; }
button { font: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; }
.skip-link { position: fixed; left: 18px; top: 12px; z-index: 100; padding: 12px 16px; color: white; background: var(--navy); text-decoration: none; font-weight: 800; transform: translateY(-150%); }
.skip-link:focus { transform: translateY(0); }
.scroll-anchor { position: absolute; top: 0; }

.site-header { height: 88px; padding: 0 clamp(24px, 5vw, 76px); display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 34px; background: rgba(247,245,239,.94); border-bottom: 1px solid rgba(1,34,71,.09); position: sticky; top: 0; z-index: 20; backdrop-filter: blur(16px); }
.brand img { width: 204px; }
nav { display: flex; gap: 32px; }
nav a { font-size: 14px; font-weight: 700; text-decoration: none; }
nav a:hover, nav a:focus-visible { color: var(--teal-dark); }
.header-cta { justify-self: end; padding: 12px 18px; border: 1px solid var(--navy); text-decoration: none; font-weight: 800; font-size: 14px; transition: .2s ease; }
.header-cta:hover, .header-cta:focus-visible { color: white; background: var(--navy); }

.hero { min-height: calc(100vh - 88px); display: grid; grid-template-columns: minmax(0,1.35fr) minmax(320px,.65fr); background: var(--navy); color: var(--white); overflow: hidden; }
.hero-copy { padding: clamp(58px, 7vw, 104px) clamp(28px, 7vw, 112px); align-self: center; position: relative; z-index: 2; }
.eyebrow { margin: 0 0 20px; font-size: 12px; letter-spacing: .21em; font-weight: 900; color: var(--teal); }
.hero h1 { max-width: 860px; margin: 0; font-size: clamp(48px, 5.8vw, 82px); line-height: .98; letter-spacing: -.055em; }
.hero h1 span { color: #aec9d4; }
.hero-lead { max-width: 720px; margin: 28px 0 0; font-size: clamp(18px, 1.45vw, 22px); line-height: 1.58; color: #d3e2e8; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.button { padding: 15px 22px; text-decoration: none; font-weight: 850; font-size: 15px; border: 1px solid transparent; transition: transform .2s ease, background .2s ease; }
.button:hover, .button:focus-visible { transform: translateY(-2px); }
.button-primary { color: var(--navy); background: var(--gold); }
.button-secondary { color: white; border-color: #5c7891; }
.button-secondary:hover { border-color: var(--teal); }
.hero-proof { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 14px 28px; color: #afc5cf; font-size: 13px; font-weight: 750; }
.hero-proof span::before { content: ""; display: inline-block; width: 6px; height: 6px; margin: 0 10px 2px 0; border-radius: 50%; background: var(--teal); }

.hero-mark { min-height: 600px; position: relative; border-left: 1px solid rgba(255,255,255,.1); background: radial-gradient(circle at 40% 45%, #083967 0, var(--navy) 55%, var(--navy-deep) 100%); }
.mark-frame { position: absolute; width: min(75%, 430px); aspect-ratio: 1; left: 50%; top: 50%; translate: -50% -50%; display: grid; place-items: center; border: 1px solid rgba(8,175,196,.55); transform: rotate(45deg); }
.mark-frame::before { content: ""; position: absolute; inset: 11%; border: 1px solid rgba(245,169,21,.45); }
.mark-frame img { width: 70%; transform: rotate(-45deg); }
.signal { position: absolute; border: 1px solid rgba(8,175,196,.25); width: 380px; height: 380px; border-radius: 50%; left: 50%; top: 50%; translate: -50% -50%; }
.signal-two { width: 540px; height: 540px; border-color: rgba(245,169,21,.15); }

.section { padding: clamp(82px, 9vw, 138px) clamp(24px, 7vw, 112px); }
.section-heading { max-width: 760px; }
.section h2 { margin: 0; max-width: 880px; color: var(--navy); font-size: clamp(38px, 5vw, 68px); line-height: 1.03; letter-spacing: -.045em; }
.section-heading > p:last-child, .process-intro > p:last-child { max-width: 680px; margin: 25px 0 0; color: var(--muted); font-size: 18px; line-height: 1.7; }

.solutions { background: var(--paper); }
.solution-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; margin-top: 64px; }
.solution-grid article { min-height: 290px; padding: 30px; background: white; border-top: 4px solid var(--navy); box-shadow: 0 18px 50px rgba(1,34,71,.07); transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.solution-grid article:hover { transform: translateY(-5px); border-color: var(--teal); box-shadow: 0 24px 60px rgba(1,34,71,.11); }
.solution-grid article span { color: var(--gold); font-size: 12px; font-weight: 900; letter-spacing: .14em; }
.solution-grid h3 { margin: 36px 0 12px; color: var(--navy); font-size: 23px; }
.solution-grid p { margin: 0; color: var(--muted); line-height: 1.65; }
.provider-note { max-width: 980px; margin: 34px 0 0; padding: 22px 24px; color: var(--muted); background: rgba(8,175,196,.07); border-left: 4px solid var(--teal); font-size: 16px; line-height: 1.65; }
.provider-note strong { color: var(--navy); }

.advisor { background: #eaf1f2; }
.advisor-heading { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(40px,8vw,120px); align-items: end; }
.advisor-heading > p { margin: 0 0 5px; color: var(--muted); font-size: 18px; line-height: 1.7; }
.advisor-heading > p strong { display: block; margin-bottom: 5px; color: var(--navy); }
.advisor-shell { max-width: 1040px; margin: 60px auto 0; padding: clamp(28px,5vw,64px); background: white; box-shadow: 0 24px 70px rgba(1,34,71,.11); }
.advisor-progress { display: grid; grid-template-columns: auto 1fr; gap: 22px; align-items: center; margin-bottom: 42px; color: var(--navy); font-size: 12px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.progress-track { height: 4px; overflow: hidden; background: var(--line); }
.progress-track span { display: block; width: 25%; height: 100%; background: var(--teal); transition: width .28s ease; }
.advisor-step { margin: 0; padding: 0; border: 0; }
.advisor-step[hidden], .advisor-result[hidden] { display: none !important; }
.advisor-step legend { padding: 0; color: var(--navy); font-size: clamp(30px,4vw,48px); font-weight: 850; line-height: 1.05; letter-spacing: -.035em; }
.step-help { margin: 14px 0 28px; color: var(--muted); font-size: 16px; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice { position: relative; cursor: pointer; }
.choice input { position: absolute; width: 1px; height: 1px; opacity: 0; }
.choice > span { min-height: 112px; display: flex; flex-direction: column; justify-content: center; padding: 20px 22px; border: 1px solid var(--line); background: var(--paper); transition: border-color .18s ease, background .18s ease, transform .18s ease, box-shadow .18s ease; }
.choice strong { color: var(--navy); font-size: 17px; line-height: 1.3; }
.choice small { margin-top: 7px; color: var(--muted); font-size: 14px; line-height: 1.45; }
.choice:hover > span { transform: translateY(-2px); border-color: var(--teal); }
.choice input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 3px; }
.choice input:checked + span { border-color: var(--navy); background: #f0f7f8; box-shadow: inset 5px 0 0 var(--teal); }
.choice-grid-compact .choice > span { min-height: 82px; }
.inline-field { max-width: 360px; display: grid; gap: 9px; margin-top: 22px; color: var(--navy); font-size: 14px; font-weight: 850; }
.inline-field small { margin-left: 6px; color: var(--muted); font-weight: 600; }
.inline-field input, .lead-fields input { width: 100%; min-height: 48px; padding: 12px 14px; border: 1px solid var(--line); border-radius: 0; color: var(--ink); background: white; font-size: 16px; }
.wizard-controls { display: flex; justify-content: space-between; gap: 14px; margin-top: 30px; }
.wizard-controls button, .wizard-restart { padding: 13px 20px; border: 1px solid var(--navy); color: var(--navy); background: transparent; font-weight: 850; cursor: pointer; }
.wizard-controls .wizard-next { color: white; background: var(--navy); }
.wizard-controls button:disabled { cursor: not-allowed; opacity: .38; }
.advisor-result h3 { max-width: 720px; margin: 8px 0 0; color: var(--navy); font-size: clamp(36px,5vw,60px); line-height: 1; letter-spacing: -.045em; }
.advisor-result > p:not(.eyebrow):not(.result-privacy) { max-width: 760px; margin: 22px 0 0; color: var(--muted); font-size: 18px; line-height: 1.65; }
.result-summary { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; margin-top: 30px; padding: 1px; background: var(--line); }
.result-summary div { padding: 18px 20px; background: var(--paper); }
.result-summary span { display: block; color: var(--muted); font-size: 11px; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.result-summary strong { display: block; margin-top: 5px; color: var(--navy); line-height: 1.4; }
.result-plan { display: grid; grid-template-columns: 1.15fr .85fr; gap: 18px; margin-top: 18px; }
.result-plan > div { padding: 24px; border: 1px solid var(--line); background: white; }
.result-plan span { color: var(--teal-dark); font-size: 11px; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.result-plan ol { margin: 16px 0 0; padding-left: 22px; color: var(--navy); }
.result-plan li { padding: 5px 0 5px 5px; line-height: 1.5; }
.result-plan p { margin: 16px 0 0; color: var(--muted); line-height: 1.65; }
.lead-details { margin-top: 28px; padding: clamp(22px,4vw,34px); color: white; background: var(--navy); }
.lead-details-heading { display: grid; gap: 5px; }
.lead-details-heading strong { font-size: 20px; }
.lead-details-heading span { color: #bfd0d8; font-size: 14px; line-height: 1.5; }
.lead-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 24px; }
.lead-fields label { display: grid; gap: 7px; color: #d8e4e9; font-size: 12px; font-weight: 800; }
.lead-field-wide { grid-column: 1 / -1; }
.response-promise { margin: 22px 0 0; padding: 18px 20px; color: var(--navy); background: rgba(245,169,21,.2); border-left: 4px solid var(--gold); line-height: 1.6; }
.result-privacy { margin: 18px 0 0; color: var(--muted); font-size: 13px; line-height: 1.5; }
.result-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.result-email, .result-copy { padding: 15px 22px; border: 1px solid var(--navy); color: var(--navy); background: transparent; text-decoration: none; font-weight: 850; font-size: 15px; cursor: pointer; }
.wizard-restart { margin-top: 24px; padding: 0; border: 0; text-decoration: underline; text-underline-offset: 4px; }
.noscript-note { margin: 25px 0 0; padding: 18px; color: var(--muted); background: var(--paper); }

.process { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(60px,9vw,150px); background: white; }
.process-steps { margin: 0; padding: 0; list-style: none; counter-reset: steps; }
.process-steps li { counter-increment: steps; display: grid; grid-template-columns: 45px 150px 1fr; gap: 20px; align-items: start; padding: 28px 0; border-bottom: 1px solid var(--line); }
.process-steps li::before { content: "0" counter(steps); color: var(--gold); font-weight: 900; font-size: 12px; }
.process-steps strong { color: var(--navy); font-size: 18px; }
.process-steps span { color: var(--muted); line-height: 1.65; }

.about { background: linear-gradient(135deg, var(--navy-deep), var(--navy)); color: white; }
.about-card { display: grid; grid-template-columns: 1fr 1fr; gap: 90px; padding: clamp(40px,6vw,80px); border: 1px solid rgba(255,255,255,.18); }
.about h2 { color: white; }
.about-copy { font-size: 18px; line-height: 1.8; color: #ccdae1; }
.about-copy p { margin-top: 0; }
.signature { margin-top: 38px !important; color: white; font-weight: 850; }
.signature span { display: block; margin-top: 5px; color: var(--teal); font-size: 13px; letter-spacing: .08em; text-transform: uppercase; }

.faq { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(55px,9vw,140px); background: white; }
.faq-list { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { position: relative; padding: 25px 46px 25px 0; color: var(--navy); font-size: 18px; font-weight: 850; line-height: 1.4; cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 5px; top: 20px; color: var(--teal-dark); font-size: 28px; font-weight: 400; }
.faq details[open] summary::after { content: "−"; }
.faq details p { margin: -4px 42px 26px 0; color: var(--muted); font-size: 16px; line-height: 1.7; }

.contact { display: flex; align-items: end; justify-content: space-between; gap: 60px; background: var(--gold); }
.contact .eyebrow { color: var(--navy); }
.contact h2 { max-width: 760px; }
.contact-copy > p:last-child { max-width: 680px; margin: 24px 0 0; color: rgba(1,34,71,.78); font-size: 17px; line-height: 1.65; }
.contact-actions { min-width: 330px; display: grid; }
.contact-actions a { padding: 17px 0; border-bottom: 1px solid rgba(1,34,71,.35); color: var(--navy); font-weight: 850; text-decoration: none; }
.contact-actions a span { display: inline-block; width: 58px; color: rgba(1,34,71,.65); font-size: 11px; letter-spacing: .12em; text-transform: uppercase; }
.contact-actions a:hover { padding-left: 8px; }
.copy-contact { justify-self: start; margin-top: 16px; padding: 0; border: 0; color: var(--navy); background: transparent; font-size: 13px; font-weight: 800; text-decoration: underline; text-underline-offset: 4px; cursor: pointer; }

.contact-dialog { width: min(620px, calc(100% - 32px)); padding: clamp(28px,5vw,52px); border: 0; color: var(--ink); background: var(--paper); box-shadow: 0 30px 100px rgba(0,21,47,.36); }
.contact-dialog::backdrop { background: rgba(0,21,47,.78); backdrop-filter: blur(7px); }
.contact-dialog[open] { animation: dialog-in .2s ease-out; }
.dialog-topline { display: flex; align-items: start; justify-content: space-between; gap: 20px; }
.dialog-close { width: 42px; height: 42px; display: grid; place-items: center; border: 1px solid rgba(1,34,71,.18); color: var(--navy); background: transparent; font-size: 28px; line-height: 1; cursor: pointer; }
.contact-dialog h2 { max-width: 490px; margin: 8px 0 0; color: var(--navy); font-size: clamp(36px,6vw,56px); line-height: 1; letter-spacing: -.045em; }
.dialog-intro { max-width: 520px; margin: 22px 0 0; color: var(--muted); font-size: 17px; line-height: 1.65; }
.dialog-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.dialog-action { padding: 14px 20px; border: 1px solid var(--navy); color: var(--navy); text-decoration: none; font-weight: 850; }
.dialog-action-primary { color: white; background: var(--navy); }
.contact-details { margin-top: 30px; border-top: 1px solid var(--line); }
.contact-details > div { display: grid; grid-template-columns: 60px 1fr auto; gap: 14px; align-items: center; padding: 18px 0; border-bottom: 1px solid var(--line); }
.contact-details span { color: var(--muted); font-size: 11px; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.contact-details strong { color: var(--navy); overflow-wrap: anywhere; }
.contact-details button { padding: 7px 10px; border: 1px solid var(--line); color: var(--navy); background: white; font-size: 12px; font-weight: 850; cursor: pointer; }
.dialog-note { margin: 22px 0 0; padding-left: 16px; border-left: 3px solid var(--teal); color: var(--muted); font-size: 14px; line-height: 1.6; }
@keyframes dialog-in { from { opacity: 0; transform: translateY(10px) scale(.985); } to { opacity: 1; transform: none; } }

footer { padding: 55px clamp(24px,7vw,112px); display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; gap: 25px; background: var(--navy-deep); color: #9fb5bf; font-size: 12px; }
footer img { width: 190px; }
footer p { margin: 0; }
footer p:last-child { justify-self: end; }
footer span { color: var(--gold); margin: 0 5px; }

@media (max-width: 980px) {
  .site-header { grid-template-columns: 1fr auto; }
  nav { display: none; }
  .hero { grid-template-columns: 1fr; }
  .hero-mark { min-height: 420px; border-left: 0; border-top: 1px solid rgba(255,255,255,.1); }
  .solution-grid { grid-template-columns: 1fr 1fr; }
  .solution-grid article { grid-column: auto; }
  .process { grid-template-columns: 1fr; }
  .advisor-heading { grid-template-columns: 1fr; align-items: start; }
  .about-card { grid-template-columns: 1fr; gap: 35px; }
  .faq { grid-template-columns: 1fr; }
  .contact { align-items: start; flex-direction: column; }
  footer { grid-template-columns: 1fr; }
  footer p:last-child { justify-self: start; }
}

@media (max-width: 620px) {
  .site-header { height: 74px; padding-inline: 18px; }
  .brand img { width: 165px; }
  .header-cta { padding: 10px 12px; font-size: 12px; }
  .hero { min-height: 0; }
  .hero-copy { padding-top: 78px; padding-bottom: 78px; }
  .hero h1 { font-size: clamp(44px, 13vw, 62px); }
  .hero-actions { display: grid; }
  .hero-actions .button { width: 100%; text-align: center; }
  .hero-mark { min-height: 330px; }
  .solution-grid { grid-template-columns: 1fr; }
  .solution-grid article { min-height: 0; }
  .advisor-shell { margin-top: 38px; padding: 26px 20px; }
  .advisor-progress { grid-template-columns: 1fr; gap: 10px; margin-bottom: 32px; }
  .choice-grid { grid-template-columns: 1fr; }
  .choice > span { min-height: 86px; }
  .result-summary { grid-template-columns: 1fr; }
  .result-plan, .lead-fields { grid-template-columns: 1fr; }
  .lead-field-wide { grid-column: auto; }
  .result-actions { display: grid; }
  .result-actions > * { width: 100%; text-align: center; }
  .process-steps li { grid-template-columns: 34px 1fr; }
  .process-steps span { grid-column: 2; }
  .about-card { padding: 28px; }
  .contact-actions { min-width: 0; width: 100%; }
  .contact-actions a { overflow-wrap: anywhere; }
  .contact-details > div { grid-template-columns: 52px 1fr; }
  .contact-details button { grid-column: 2; justify-self: start; }
  .dialog-actions { display: grid; }
  .dialog-action { text-align: center; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; }
}