:root {
  --navy: #0f766e;
  --navy-deep: #0d6460;
  --orange: #f59e0b;
  --orange-deep: #d97706;
  --paper: #fafafa;
  --paper-strong: #ffffff;
  --ink: #1e293b;
  --muted: #64748b;
  --line: #e2e8f0;
  --emerald: #10b981;
  --ok: #0f766e;
  --warn: #b45309;
  --danger: #b91c1c;
  --shadow: 0 18px 50px rgba(15, 23, 42, 0.08);
}

* {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
}

body {
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: radial-gradient(circle at top, #fff 0%, var(--paper) 55%, #f0fdf4 100%);
  color: var(--ink);
}

a {
  color: inherit;
}

.site-shell {
  min-height: 100vh;
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 24px;
}

.site-brand {
  color: var(--navy);
  text-decoration: none;
  font-weight: 800;
  letter-spacing: -0.02em;
}

.site-nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

.site-nav-links a {
  color: var(--muted);
  text-decoration: none;
  font-size: 0.95rem;
}

.site-nav-links a:hover {
  color: var(--navy);
}

.page-wrap {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px 64px;
}

.hero-card,
.panel {
  background: var(--paper-strong);
  border: 1px solid var(--line);
  border-radius: 20px;
  box-shadow: var(--shadow);
}

.hero-card {
  padding: 44px 28px;
  max-width: 840px;
  margin: 0 auto;
}

.eyebrow {
  color: var(--orange);
  font-size: 0.75rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 800;
  margin: 0 0 14px;
  text-align: center;
}

.hero-card h1,
.panel h1 {
  margin: 0 0 16px;
  color: var(--navy);
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.hero-card h1 {
  font-size: clamp(2.3rem, 4.2vw, 3.4rem);
  text-align: left;
  width: fit-content;
  margin-left: auto;
  margin-right: auto;
}

.lede {
  max-width: 720px;
  font-size: 1.08rem;
  line-height: 1.75;
  color: var(--muted);
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.cta-row {
  display: flex;
  gap: 14px;
  margin-top: 28px;
  flex-wrap: wrap;
}

.btn-primary,
.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 0 18px;
  border-radius: 12px;
  font-weight: 800;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
}

.btn-primary {
  background: var(--orange);
  color: #fff;
  border: 1px solid var(--orange-deep);
}

.btn-primary:hover {
  background: var(--orange-deep);
}

.btn-secondary {
  background: #fff;
  border-color: var(--line);
  color: var(--navy);
}

.btn-secondary:hover {
  border-color: #c7d2fe;
}

.meta-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 14px;
  margin-top: 28px;
}

.meta-card {
  border: 1px solid var(--line);
  border-radius: 16px;
  background: linear-gradient(180deg, #fff 0%, #fbfbfa 100%);
  padding: 16px;
}

.meta-card strong {
  display: block;
  color: var(--navy);
  margin-bottom: 6px;
}

.meta-card span {
  color: var(--muted);
  font-size: 0.93rem;
  line-height: 1.5;
}

.panel {
  max-width: 520px;
  margin: 0 auto;
  padding: 28px 24px 30px;
}

.panel h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  text-align: center;
}

.panel p {
  color: var(--muted);
  line-height: 1.65;
}

.step-row {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}

.step-pill {
  min-width: 38px;
  min-height: 38px;
  padding: 0 12px;
  border-radius: 999px;
  border: 1px solid var(--line);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--muted);
  background: #fff;
  font-size: 0.9rem;
  font-weight: 700;
}

.step-pill.active {
  color: #fff;
  background: var(--navy);
  border-color: var(--navy);
}

.field-group {
  margin-bottom: 12px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  margin-top: 22px;
}

.field-label {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-weight: 700;
  text-align: center;
}

.field-help {
  display: block;
  margin-top: 6px;
  color: var(--muted);
  font-size: 0.9rem;
}

.text-field,
.select-field {
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #f8fafc;
  color: var(--ink);
  font: inherit;
}

.text-field:focus,
.select-field:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(26, 54, 93, 0.08);
}

.radio-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  margin-top: 20px;
}

.radio-card {
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
  padding: 14px;
}

.radio-card label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
}

.radio-card input {
  margin-top: 4px;
}

.radio-copy strong {
  display: block;
  color: var(--navy);
  margin-bottom: 4px;
}

.radio-copy span {
  color: var(--muted);
  font-size: 0.92rem;
  line-height: 1.45;
}

.consent-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 12px;
}

.consent-row input {
  margin-top: 5px;
}

.consent-row label {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.55;
}

.button-row {
  display: flex;
  justify-content: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 22px;
}

.button-row[hidden] {
  display: none;
}

.message {
  margin-top: 16px;
  padding: 14px 16px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff8eb;
  color: var(--warn);
  font-size: 0.95rem;
  line-height: 1.55;
}

.message.error {
  background: #fef2f2;
  color: var(--danger);
  border-color: #fecaca;
}

.offer-hook {
  text-align: center;
  margin: 24px 0 16px;
  font-size: 0.95rem;
  color: var(--navy);
  font-weight: 600;
}

.offer-hook a {
  color: var(--orange);
  text-decoration: underline;
}

.offer-hook a:hover {
  color: var(--orange-deep);
}

.disclosure-inline {
  margin-top: 16px;
  font-size: 0.75rem;
  line-height: 1.5;
  color: var(--muted);
}

.compliance-box {
  margin-top: 16px;
  padding: 16px 18px;
  border-radius: 16px;
  border: 1px solid #fde68a;
  background: #fffbea;
}

.compliance-box strong {
  display: block;
  color: var(--navy);
  margin-bottom: 8px;
}

.compliance-box p {
  margin: 0;
  color: var(--ink);
  font-size: 0.95rem;
}

.page-footer {
  max-width: 720px;
  margin: 22px auto 0;
  padding: 0 2px;
  color: var(--muted);
  font-size: 0.86rem;
  line-height: 1.7;
  text-align: center;
}

.page-footer a {
  color: var(--navy);
}

.cta-stack {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  margin: 32px 0;
}

.rate-hero {
  text-align: center;
  margin: 24px 0 16px;
}

.rate-hero-amount {
  display: block;
  font-size: clamp(2.8rem, 6vw, 4rem);
  font-weight: 800;
  color: var(--emerald);
  letter-spacing: -0.03em;
  line-height: 1;
}

.rate-hero-label {
  display: block;
  margin-top: 6px;
  font-size: 0.88rem;
  color: var(--muted);
}

.rate-summary {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 20px;
  margin-bottom: 24px;
  font-size: 0.88rem;
  color: var(--muted);
}

.rate-summary strong {
  color: var(--navy);
}

.btn-money {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  padding: 0 24px;
  border-radius: 12px;
  font-weight: 800;
  text-decoration: none;
  border: 1px solid #0d9668;
  cursor: pointer;
  background: #10b981;
  color: #fff;
  font-size: 1.05rem;
}

.btn-money:hover {
  background: #0d9668;
}

a.sub-link {
  font-size: 0.88rem;
  color: var(--muted);
  text-decoration: underline;
}

a.sub-link:hover {
  color: var(--navy);
}

.mini-note {
  margin-top: 10px;
  color: var(--muted);
  font-size: 0.82rem;
}

@media (max-width: 720px) {
  .site-nav {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero-card {
    padding: 28px 20px;
  }

  .panel {
    padding: 22px 18px 24px;
  }

  .page-wrap {
    padding: 0 16px 48px;
  }
}