:root{
  --bg: #ffffff;
  --text: #0b1220;     /* deep slate */
  --muted: #516074;    /* slate */
  --line: #e6ebf2;
  --soft: #f7f9fc;
  --alt: #f3f6fb;

  --shadow: 0 18px 45px rgba(11, 18, 32, .10);
  --shadow-soft: 0 10px 26px rgba(11, 18, 32, .08);
  --radius: 18px;

  /* Subtle brand colors */
  --accent: #1b3a6b;     /* modern navy */
  --accent-2: #2f6ea6;   /* muted blue */
  --accent-soft: rgba(47, 110, 166, .12);
}


*{ box-sizing: border-box; }
html, body { height: 100%; }
body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji", "Segoe UI Emoji";
  background: var(--bg);
  color: var(--text);
  line-height: 1.5;
}

a{ color: inherit; text-decoration: none; }
a.link{ color: var(--accent); font-weight: 600; }
a.link:hover{ text-decoration: underline; }

.container{
  width: min(1100px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header{
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.85);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 16px;
}

.brand{
  display:flex;
  align-items:center;
  gap: 10px;
}
.brand-mark{
  width: 28px;
  height: 28px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--accent), #0b1b46);
  display:inline-block;
}
.brand-name{
  font-weight: 800;
  letter-spacing: -0.3px;
}
.brand.small .brand-name{ font-weight: 800; }

.nav{
  display:flex;
  gap: 18px;
  align-items:center;
}
.nav a{
  color: var(--muted);
  font-weight: 600;
  font-size: 14px;
}
.nav a:hover{ color: var(--text); }
.nav a.muted{ opacity: .75; }

.header-actions{
  display:flex;
  gap: 10px;
  align-items:center;
}

.hero{
  padding: 52px 0 26px;
  background:
    radial-gradient(1200px 380px at 20% 10%, rgba(31,58,138,.12), transparent 60%),
    radial-gradient(900px 300px at 90% 0%, rgba(14,165,233,.10), transparent 65%),
    linear-gradient(#fff, #fff);
}

.hero-grid{
  display:grid;
  grid-template-columns: 1.25fr .75fr;
  gap: 28px;
  align-items: start;
}

.eyebrow{
  color: var(--muted);
  font-weight: 700;
  letter-spacing: .2px;
  font-size: 13px;
  margin: 0 0 10px;
}

h1{
  margin: 0 0 12px;
  font-size: clamp(32px, 4vw, 46px);
  line-height: 1.08;
  letter-spacing: -1px;
}

.subhead{
  margin: 0 0 20px;
  color: var(--muted);
  font-size: 16px;
  max-width: 52ch;
}

.hero-cta{
  display:flex;
  align-items:center;
  gap: 16px;
  margin: 16px 0 10px;
}

.micro{
  margin: 0;
  color: var(--muted);
  font-size: 13px;
}

.trust-row{
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 14px;
}
.trust-pill{
  border: 1px solid var(--line);
  background: #fff;
  padding: 8px 10px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 12px;
  color: var(--muted);
}

.card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px;
}
.card.soft{
  background: var(--soft);
  box-shadow: none;
}

.hero-card .card{
  position: sticky;
  top: 80px;
}
.card h3{
  margin: 0 0 12px;
  font-size: 16px;
  letter-spacing: -0.2px;
}
.card-footer{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 14px;
}

.checklist{
  list-style: none;
  padding: 0;
  margin: 0;
  display:grid;
  gap: 10px;
}
.checklist li{
  position: relative;
  padding-left: 22px;
  color: var(--muted);
  font-size: 14px;
}
.checklist li::before{
  content: "•";
  position:absolute;
  left: 8px;
  top: 0;
  color: var(--accent);
  font-weight: 900;
}

.section{
  padding: 46px 0;
}
.section.alt{
  background: var(--alt);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.section-head{
  display:flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 18px;
}
.section-head h2{
  margin: 0;
  font-size: 26px;
  letter-spacing: -0.5px;
}
.section-sub{
  margin: 0;
  color: var(--muted);
  max-width: 70ch;
}

.grid-3{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.grid-2{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.feature{
  background:#fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
}
.feature-icon{
  width: 34px;
  height: 34px;
  border-radius: 12px;
  border: 1px solid var(--line);
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight: 900;
  margin-bottom: 10px;
}
.feature h3{
  margin: 0 0 6px;
  font-size: 16px;
}
.feature p{
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.steps{
  display:grid;
  gap: 14px;
}
.step{
  display:flex;
  gap: 14px;
  align-items:flex-start;
  background:#fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
}
.step-num{
  width: 34px;
  height: 34px;
  border-radius: 12px;
  background: #fff;
  border: 1px solid var(--line);
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight: 900;
  color: var(--accent);
}
.step h3{ margin: 0 0 4px; font-size: 16px; }
.step p{ margin: 0; color: var(--muted); font-size: 14px; }

.center{
  display:flex;
  justify-content:center;
  margin-top: 18px;
}

.faq{
  display:grid;
  gap: 10px;
}
details{
  background:#fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 14px 16px;
}
summary{
  cursor: pointer;
  font-weight: 800;
  letter-spacing: -0.2px;
}
details p{
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.site-footer{
  padding: 26px 0;
  border-top: 1px solid var(--line);
}
.footer-inner{
  display:flex;
  align-items:flex-start;
  justify-content: space-between;
  gap: 18px;
}
.footer-links{
  display:flex;
  gap: 14px;
}
.small-muted{
  color: var(--muted);
  font-size: 13px;
}

/* Buttons */
.btn{
  border: 1px solid var(--line);
  background: #fff;
  color: var(--text);
  border-radius: 999px;
  padding: 10px 14px;
  font-weight: 800;
  cursor: pointer;
  transition: transform .06s ease, box-shadow .12s ease, border-color .12s ease;
}
.btn:hover{
  border-color: #cbd5e1;
  box-shadow: 0 10px 24px rgba(15,23,42,.08);
}
.btn:active{ transform: translateY(1px); }
.btn-primary{
  border-color: transparent;
  background: var(--accent);
  color: #fff;
}
.btn-primary:hover{
  box-shadow: 0 14px 30px rgba(31,58,138,.18);
}
.btn-ghost{
  background: #fff;
}
.btn-lg{
  padding: 12px 18px;
}

.icon-btn{
  width: 40px;
  height: 40px;
  border-radius: 12px;
  border: 1px solid var(--line);
  background: #fff;
  cursor:pointer;
  font-weight: 900;
}

/* Modal */
.modal{
  position: fixed;
  inset: 0;
  display: none;
  z-index: 50;
}
.modal.open{ display: block; }

.modal-backdrop{
  position:absolute;
  inset: 0;
  background: rgba(2,6,23,.55);
}

.modal-panel{
  position: relative;
  width: min(860px, calc(100% - 24px));
  margin: 30px auto;
  background: #fff;
  border-radius: 22px;
  box-shadow: var(--shadow);
  border: 1px solid rgba(255,255,255,.25);
  overflow: hidden;
}

.modal-header{
  display:flex;
  align-items:flex-start;
  justify-content: space-between;
  padding: 18px 18px 12px;
  gap: 14px;
}
.modal-title{
  margin: 0;
  font-size: 18px;
  letter-spacing: -0.4px;
}
.modal-subtitle{
  margin: 2px 0 0;
  color: var(--muted);
  font-size: 13px;
}

.progress{
  height: 6px;
  background: var(--soft);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.progress-bar{
  height: 100%;
  background: linear-gradient(90deg, var(--accent), #0b1b46);
  width: 0%;
  transition: width .2s ease;
}

form{
  padding: 16px 18px 18px;
}
.form-step h3{
  margin: 0 0 6px;
  font-size: 18px;
  letter-spacing: -0.4px;
}
.hint{
  margin: 0 0 14px;
  color: var(--muted);
  font-size: 13px;
}

.choice-grid{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
.choice{
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 14px;
  display:flex;
  gap: 10px;
  align-items:flex-start;
  cursor: pointer;
  user-select: none;
  background: #fff;
}
.choice input{ margin-top: 2px; }
.choice span{ font-weight: 800; letter-spacing: -0.2px; }
.choice:hover{ border-color: #cbd5e1; }

.field-grid{
  display:grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
}
.field{
  display:flex;
  flex-direction: column;
  gap: 6px;
}
.field label{
  font-size: 13px;
  font-weight: 800;
}
.field input, .field select, .field textarea{
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 10px 12px;
  font-size: 14px;
  outline: none;
}
.field textarea{ resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus{
  border-color: rgba(14,165,233,.55);
  box-shadow: 0 0 0 4px rgba(14,165,233,.12);
}

.checkbox-field{
  grid-column: 1 / -1;
}
.checkbox{
  display:flex;
  gap: 10px;
  align-items:flex-start;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--soft);
}
.checkbox span{
  color: var(--muted);
  font-size: 13px;
  font-weight: 650;
}

.form-nav{
  display:flex;
  align-items:center;
  justify-content: space-between;
  margin-top: 16px;
  gap: 12px;
}
.nav-right{
  display:flex;
  gap: 10px;
}
.error{
  color: #b91c1c;
  font-weight: 800;
  font-size: 13px;
  min-height: 18px;
}

.soft-note{
  margin-top: 10px;
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 10px 12px;
  color: var(--muted);
  font-size: 13px;
}
.soft-note span{ color: var(--text); font-weight: 900; }

.verify-box{
  margin-top: 10px;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 12px;
  background: var(--soft);
}
.verify-head h4{
  margin: 0 0 2px;
  letter-spacing: -0.3px;
}
.verify-head p{
  margin: 0 0 10px;
}
.verify-actions{
  display:flex;
  gap: 10px;
  flex-wrap: wrap;
}
.verify-code{
  margin-top: 12px;
}
.code-pill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding: 10px 14px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
  font-weight: 900;
  letter-spacing: 1px;
  width: fit-content;
}
.field.inline{
  margin-top: 10px;
  max-width: 260px;
}

.success{
  padding: 10px 0;
}
.success-icon{
  width: 44px;
  height: 44px;
  border-radius: 16px;
  border: 1px solid var(--line);
  display:flex;
  align-items:center;
  justify-content:center;
  font-weight: 900;
  color: var(--accent);
  margin-bottom: 10px;
}

/* Responsive */
@media (max-width: 900px){
  .hero-grid{ grid-template-columns: 1fr; }
  .hero-card .card{ position: static; }
  .grid-3{ grid-template-columns: 1fr; }
  .grid-2{ grid-template-columns: 1fr; }
  .choice-grid{ grid-template-columns: 1fr; }
  .field-grid{ grid-template-columns: 1fr; }
  .footer-inner{ flex-direction: column; }
  .nav{ display:none; }
}
/* Dedicated form page layout */
body.page-form{
  background: var(--alt);
}

.form-shell{
  padding: 26px 0 56px;
}

.form-grid{
  display:grid;
  grid-template-columns: 340px 1fr;
  gap: 16px;
  align-items: start;
}

.form-aside .card{
  position: sticky;
  top: 90px;
}

.aside-steps{
  display:grid;
  gap: 8px;
  margin-top: 12px;
}
.aside-step{
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--muted);
  font-weight: 800;
  font-size: 13px;
}
.aside-step.active{
  border-color: rgba(31,58,138,.25);
  color: var(--text);
  box-shadow: 0 10px 24px rgba(15,23,42,.06);
}

.divider{
  height: 1px;
  background: var(--line);
  margin: 14px 0;
}

.form-panel .card{
  box-shadow: var(--shadow);
}

.form-top{
  display:flex;
  align-items:flex-start;
  justify-content: space-between;
  gap: 10px;
  padding-bottom: 10px;
}

/* Slightly calmer hero card on form page */
.progress-inline{
  display:flex;
  align-items:center;
  gap: 8px;
}

@media (max-width: 1000px){
  .form-grid{
    grid-template-columns: 1fr;
  }
  .form-aside .card{
    position: static;
  }
}
/* Subtle brand polish */
.hero{
  padding: 58px 0 26px;
  background:
    radial-gradient(1200px 420px at 15% 8%, rgba(27,58,107,.14), transparent 62%),
    radial-gradient(900px 360px at 90% 0%, rgba(47,110,166,.12), transparent 64%),
    linear-gradient(#fff, #fff);
}

.btn-ghost.btn-lg{
  border-color: rgba(27,58,107,.18);
  background: rgba(255,255,255,.75);
}

.btn-ghost.btn-lg:hover{
  border-color: rgba(27,58,107,.28);
}

.micro-row{
  display:flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 12px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 650;
}
.micro-item{
  display:flex;
  align-items:center;
  gap: 8px;
}
.dot{
  width: 7px;
  height: 7px;
  border-radius: 999px;
  background: var(--accent-2);
  box-shadow: 0 0 0 4px var(--accent-soft);
}

/* Hero card polish */
.card-elevated{
  border: 1px solid rgba(230,235,242,.9);
  box-shadow: var(--shadow-soft);
}

.mini-top{
  display:flex;
  align-items:flex-start;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 12px;
}
.mini-label{
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
}
.mini-title{
  margin: 2px 0 0;
  font-size: 16px;
  font-weight: 900;
  letter-spacing: -0.2px;
}
.mini-badge{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding: 7px 10px;
  border-radius: 999px;
  border: 1px solid rgba(27,58,107,.18);
  background: rgba(27,58,107,.06);
  color: var(--accent);
  font-weight: 800;
  font-size: 12px;
}

/* Rate snapshot illustration */
.rate-snapshot{
  margin-top: 14px;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 12px;
  background: linear-gradient(180deg, #ffffff, rgba(247,249,252,.9));
}
.rate-row{
  display:flex;
  align-items:center;
  justify-content: space-between;
  padding: 8px 10px;
  border-radius: 12px;
  background: rgba(47,110,166,.06);
  border: 1px solid rgba(47,110,166,.10);
  margin-bottom: 10px;
}
.rate-row:last-child{ margin-bottom: 0; }
.rate-k{
  color: var(--muted);
  font-weight: 800;
  font-size: 13px;
}
.rate-v{
  color: var(--text);
  font-weight: 900;
}

/* Brand strip under hero */
.brand-strip{
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: rgba(247,249,252,.75);
}
.strip-inner{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 0;
}
.strip-title{
  margin: 0;
  font-weight: 900;
  letter-spacing: -0.2px;
}
.strip-sub{
  margin: 2px 0 0;
  color: var(--muted);
  font-size: 13px;
}

.chip{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding: 9px 12px;
  border-radius: 999px;
  border: 1px solid rgba(27,58,107,.18);
  background: #fff;
  color: var(--accent);
  font-weight: 800;
  font-size: 12px;
}
.strip-right{
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content:flex-end;
}

/* Quote cards */
.quote-card{
  border-radius: var(--radius);
  border: 1px solid var(--line);
  background: #fff;
  padding: 18px;
  box-shadow: 0 10px 26px rgba(11,18,32,.06);
}
.quote{
  margin: 0;
  font-size: 15px;
  font-weight: 750;
  color: var(--text);
  letter-spacing: -0.1px;
}
.quote-meta{
  margin: 10px 0 0;
  color: var(--muted);
  font-size: 13px;
}

/* Make headings a touch more premium */
.section-head h2, h1{
  letter-spacing: -0.9px;
}

/* Responsive strip */
@media (max-width: 900px){
  .strip-inner{
    flex-direction: column;
    align-items:flex-start;
  }
  .strip-right{
    justify-content:flex-start;
  }
}
.brand-tag{
  display:none;
  margin-left: 10px;
  color: var(--muted);
  font-weight: 650;
  font-size: 12px;
}
@media (min-width: 980px){
  .brand-tag{ display:inline; }
}

/* Apply page brand polish */
.page-form{
  background:
    radial-gradient(1200px 520px at 15% 0%, rgba(27,58,107,.10), transparent 62%),
    radial-gradient(900px 420px at 90% 0%, rgba(47,110,166,.10), transparent 64%),
    var(--alt);
}

.aside-card{
  background: linear-gradient(180deg, rgba(255,255,255,.92), rgba(247,249,252,.9));
  border: 1px solid rgba(230,235,242,.95);
  box-shadow: 0 10px 26px rgba(11,18,32,.06);
}

.aside-head{ margin-bottom: 10px; }
.aside-eyebrow{
  margin: 0 0 4px;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .2px;
  color: var(--accent);
  opacity: .92;
}
.aside-title{
  margin: 0;
  font-size: 20px;
  letter-spacing: -0.6px;
}
.aside-sub{
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 13px;
}

.aside-badges{
  display:flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 12px;
}

.aside-step{
  width: 100%;
  text-align: left;
  display:flex;
  align-items:center;
  gap: 10px;
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: rgba(255,255,255,.75);
  color: var(--muted);
  font-weight: 900;
  font-size: 13px;
  cursor: pointer;
}
.aside-step:hover{
  border-color: rgba(27,58,107,.22);
}
.step-dot{
  width: 9px;
  height: 9px;
  border-radius: 999px;
  background: rgba(81,96,116,.35);
}
.aside-step.active{
  color: var(--text);
  border-color: rgba(27,58,107,.22);
  background: #fff;
  box-shadow: 0 10px 24px rgba(11,18,32,.06);
}
.aside-step.active .step-dot{
  background: var(--accent-2);
  box-shadow: 0 0 0 4px var(--accent-soft);
}

.form-card{
  border: 1px solid rgba(230,235,242,.95);
  box-shadow: var(--shadow);
}
.form-title{
  margin: 0;
  font-size: 22px;
  letter-spacing: -0.7px;
}
.form-subtitle{
  margin: 4px 0 0;
  color: var(--muted);
  font-size: 13px;
}

.form-top-right{
  display:flex;
  flex-direction: column;
  align-items:flex-end;
  gap: 8px;
}

.pill{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid rgba(27,58,107,.18);
  background: rgba(27,58,107,.06);
  color: var(--accent);
  font-weight: 900;
  font-size: 12px;
}

.form-help a.link{
  color: var(--accent);
}

/* Slightly nicer choice hover */
.choice{
  background: linear-gradient(180deg, #fff, rgba(247,249,252,.65));
}
.choice:hover{
  border-color: rgba(27,58,107,.22);
}

/* Reduce harshness on verify box */
.verify-box{
  background: linear-gradient(180deg, rgba(247,249,252,.9), rgba(255,255,255,.8));
  border-color: rgba(230,235,242,.95);
}

/* Brand tag in header */
.brand-tag{
  display:none;
  margin-left: 10px;
  color: var(--muted);
  font-weight: 650;
  font-size: 12px;
}
@media (min-width: 980px){
  .brand-tag{ display:inline; }
}
.hp-field{
  position:absolute !important;
  left:-9999px !important;
  width:1px !important;
  height:1px !important;
  opacity:0 !important;
}