:root{
  --paper:#f3f5f7; --card:#fff; --ink:#14212e; --muted:#4f5b67; --line:#cfd6dd;
  --navy:#12263f; --navy-2:#1c3a5e; --slip:#fff8dc; --slip-line:#cdbd7a; --alert:#8a2b1c; --focus:#0b63c5;
  --serif:"Iowan Old Style","Charter","Sitka Text",Georgia,"Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:1.0625rem/1.55 var(--sans);padding-bottom:68px}
img,svg{max-width:100%}
a{color:var(--navy-2);text-underline-offset:.15em}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px}
.wrap{width:min(1120px,100% - 2.5rem);margin-inline:auto}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .6em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,6.4vw,3.1rem)}
h2{font-size:clamp(1.45rem,3.6vw,2rem);margin-top:0}
h3{font-size:1.2rem}
main p,main li{max-width:min(64ch,780px)}
main p{margin:0 0 1em}

/* header */
.site-head{background:var(--card);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:56px}
.brand{display:inline-flex;align-items:center;min-height:44px;font:700 1.2rem var(--serif);color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.site-head nav{display:none}
.head-call{display:inline-flex;align-items:center;min-height:44px;padding-inline:.25rem;font-weight:600;text-decoration:none;white-space:nowrap}
@media (min-width:860px){
  .site-head nav{display:flex;gap:1.4rem}
  .site-head nav a{display:inline-flex;align-items:center;min-height:44px;text-decoration:none;color:var(--ink)}
  .site-head nav a:hover{text-decoration:underline}
}

/* hero */
.hero{padding:1.5rem 0 2.5rem}
.hero-grid{display:grid;gap:1.25rem}
.hero h1{margin-bottom:.35em}
.sub{font-size:1.15rem;color:var(--muted);margin:0}
@media (min-width:900px){
  .hero{padding:3.5rem 0 4rem}
  .hero-grid{grid-template-columns:minmax(0,1fr) minmax(380px,460px);grid-template-rows:auto 1fr;align-content:start;grid-template-areas:"intro form" "cost form";column-gap:4rem;row-gap:2rem;align-items:start}
  .hero-intro{grid-area:intro;align-self:start}.fit{grid-area:form;align-self:start}.slip{grid-area:cost;align-self:start}
}

/* form */
.fit{background:var(--card);border:1px solid var(--line);border-radius:6px;padding:1.1rem 1.1rem 1.25rem;scroll-margin-top:1rem}
fieldset[data-step]{border:0;margin:0;padding:0;min-width:0}
.fit .q{display:block;width:100%;padding:0;font:700 1.3rem/1.25 var(--serif);color:var(--navy);margin:0 0 .85rem;scroll-margin-top:1rem}
.fit .q:focus{outline:none}
.fit .q:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.outcome h2{scroll-margin-top:1rem}
.fit .lede{margin:-.35rem 0 .4rem;color:var(--muted)}
.fit .count{display:block;font-size:.875rem;color:var(--muted);margin-bottom:.35rem}
.bands{display:grid;gap:.5rem}
.bands button,.btn{font:inherit;font-weight:600;cursor:pointer;min-height:52px;padding:.7rem 1rem;border-radius:5px;border:1.5px solid var(--navy);background:#fff;color:var(--navy);text-align:left}
.bands button:hover{background:#eaf0f6}
.btn{background:var(--navy);color:#fff;text-align:center;text-decoration:none;display:inline-flex;align-items:center;justify-content:center}
.btn:hover{background:var(--navy-2);color:#fff}
.btn[disabled]{opacity:.6;cursor:wait}
.btn.ghost{background:#fff;color:var(--navy)}
.btn.ghost:hover{background:#eaf0f6;color:var(--navy)}
.back{background:none;border:0;padding:.6rem 1rem .6rem 0;min-width:44px;margin-top:.6rem;font:inherit;color:var(--muted);text-decoration:underline;cursor:pointer;min-height:44px}
.fit label{display:block;font-weight:600;margin:.8rem 0 .25rem}
.fit input[type=text],.fit input[type=email],.fit input[type=tel],.fit select{width:100%;font:inherit;min-height:50px;padding:.6rem .75rem;border:1.5px solid #8794a1;border-radius:5px;background:#fff;color:var(--ink)}
.fit .note{font-size:.95rem;color:var(--muted);margin:.35rem 0 0}
.err{color:var(--alert);font-size:.95rem;margin:.3rem 0 0;font-weight:600}
.consent{display:grid;grid-template-columns:auto 1fr;gap:.7rem;align-items:start;margin:1.1rem 0 .6rem;padding:.9rem;background:#f1f4f7;border-radius:5px}
.consent input{appearance:none;-webkit-appearance:none;width:44px;height:44px;margin:-.55rem 0 -.55rem -.55rem;border:0;border-radius:6px;background:no-repeat center/28px 28px url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 28 28'%3E%3Crect x='2' y='2' width='24' height='24' rx='4' fill='%23fff' stroke='%238794a1' stroke-width='2'/%3E%3C/svg%3E");cursor:pointer}
.consent input:checked{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 28 28'%3E%3Crect x='2' y='2' width='24' height='24' rx='4' fill='%2312263f' stroke='%2312263f' stroke-width='2'/%3E%3Cpath d='M8 14.5l4 4 8-9' fill='none' stroke='%23fff' stroke-width='3'/%3E%3C/svg%3E")}
.ts{margin:.6rem 0 .2rem;min-height:0}
.brokerline{margin:.8rem 0 0;font-size:.95rem;color:var(--muted)}
.brokerline a{display:inline-flex;align-items:center;min-height:44px}
.span-all{grid-column:1/-1}
.consent label{margin:0;font-weight:400;font-size:.95rem;line-height:1.45}
#data-notice{font-size:.95rem;margin:.5rem 0 1rem}
.credit{font-size:.95rem;margin:.9rem 0 0}
.outcome{padding:.25rem 0}
.outcome h2{font-size:1.4rem}
.formerr{border-left:4px solid var(--alert);padding:.5rem .75rem;margin:.9rem 0 0;background:#fbeeea}
.submit{width:100%;margin-top:.4rem}

/* cost slip */
.slip{background:var(--slip);border:1px dashed var(--slip-line);border-left:0;border-right:0;padding:1.1rem 1.1rem 1rem;font-family:ui-monospace,"SF Mono",Menlo,Consolas,monospace;font-size:.95rem;position:relative}
.slip h2{font:700 1rem var(--sans);text-transform:none;margin:0 0 .6rem;color:var(--ink)}
.slip dl{margin:0 0 .8rem}
.slip dl div{display:flex;justify-content:space-between;gap:1rem;padding:.3rem 0;border-bottom:1px dotted var(--slip-line)}
.slip dt{margin:0}.slip dd{margin:0;font-weight:700;text-align:right}
.slip dl div:last-child{border:0;font-size:1.05rem}
.slip p{font-family:var(--sans);font-size:.95rem;margin:0 0 .5em;max-width:min(48ch,600px)}
.slip small{display:block;font-family:var(--sans);font-size:.875rem;color:var(--muted)}

/* sections */
.band{padding:2.5rem 0}
.band.alt{background:var(--card);border-block:1px solid var(--line)}
.two{display:grid;gap:1.75rem}
@media (min-width:800px){.two{grid-template-columns:1fr 1fr;gap:3.5rem}}
.plain{padding-left:1.2rem;margin:0 0 1em}
.plain li{margin:.45em 0}
.steps{padding-left:1.4rem;margin:0}
.steps li{margin:.7em 0;padding-left:.3rem}
.steps strong{color:var(--navy)}
table{border-collapse:collapse;width:100%;background:#fff;font-size:.98rem}
th,td{text-align:left;vertical-align:top;padding:.7rem .8rem;border-bottom:1px solid var(--line)}
th{font-weight:700;color:var(--navy);border-bottom:2px solid var(--navy)}
.tablewrap{overflow-x:auto;margin:0 0 1.5rem}
.tablewrap table{min-width:640px}
.broker{background:var(--navy);color:#fff;padding:2.25rem 0}
.broker h2,.broker a{color:#fff}
.broker p{color:#e3eaf2}
.broker dl{display:grid;grid-template-columns:max-content 1fr;gap:.35rem 1.25rem;margin:1rem 0 0}
.broker dt{color:#b9c7d6}.broker dd{margin:0}
.faq h3{margin-top:1.4rem}
.cta-row{margin-top:1.5rem}

/* prose pages */
.page{padding:2rem 0 3rem}
.page .lead{font-size:1.2rem;color:var(--muted)}
.page h2{margin-top:2rem}
.draft{background:#fff3cd;border:1px solid #d7b84a;padding:.7rem .9rem;border-radius:4px;font-weight:600;max-width:min(64ch,780px)}

/* calculator */
.calc{display:grid;gap:1.5rem;margin:1.5rem 0}
@media (min-width:860px){.calc{grid-template-columns:minmax(0,420px) minmax(0,1fr);gap:3rem}}
.calc form,.results{background:#fff;border:1px solid var(--line);border-radius:6px;padding:1.1rem}
.calc label{display:block;font-weight:600;margin:.8rem 0 .25rem}
.calc label:first-child{margin-top:0}
.calc input{width:100%;font:inherit;min-height:50px;padding:.6rem .75rem;border:1.5px solid #8794a1;border-radius:5px}
.results dl{margin:0}
.results dl div{display:flex;justify-content:space-between;gap:1rem;padding:.65rem 0;border-bottom:1px solid var(--line)}
.results dt{color:var(--muted)}.results dd{margin:0;font:700 1.35rem var(--serif);color:var(--navy);text-align:right}

/* footer */
.site-foot{background:#e7ebef;border-top:1px solid var(--line);padding:2rem 0 2.5rem;font-size:.95rem}
.site-foot .cols{display:grid;gap:1.5rem}
@media (min-width:800px){.site-foot .cols{grid-template-columns:2fr 1fr}}
.site-foot ul{list-style:none;margin:0;padding:0;columns:2}
.site-foot li{margin:0}
.site-foot li a{display:inline-flex;align-items:center;min-height:44px}
.site-foot p{max-width:min(70ch,800px);margin:0 0 .6em}
[data-broker-block].compact{margin-bottom:1rem}

/* sticky bar: mobile only */
#sticky-bar{position:fixed;inset:auto 0 0 0;z-index:20;display:flex;gap:.6rem;padding:.55rem .75rem calc(.55rem + env(safe-area-inset-bottom));background:var(--card);border-top:1px solid var(--line)}
#sticky-bar a{flex:1;min-height:48px;display:flex;align-items:center;justify-content:center;font-weight:700;border-radius:5px;text-decoration:none;border:1.5px solid var(--navy);color:var(--navy)}
#sticky-bar a+a{background:var(--navy);color:#fff}
body[data-view=contact] #sticky-bar,body[data-view=outcome] #sticky-bar{display:none}
body[data-view=contact],body[data-view=outcome]{padding-bottom:0}
@media (min-width:720px){#sticky-bar{display:none}body{padding-bottom:0}}
.js .nojs{display:none}
html:not(.js) .fit-js{display:none}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}
@media (min-width:1800px){html{font-size:125%}.wrap{width:min(1320px,100% - 4rem)}}

@media (max-width:640px){
  table,.tablewrap table,tbody,tr,td{display:block;width:100%;min-width:0}
  thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
  tr{padding:.75rem 0;border-bottom:1px solid #d5dae1}
  td{padding:.2rem 0;border:0}
  td:first-child{font-weight:600}
  td[data-label]:not(:first-child)::before{content:attr(data-label) ": ";font-weight:600}
}