:root {
  --ink: #142033;
  --muted: #5b687a;
  --brand: #173f73;
  --brand-dark: #0f2d55;
  --gold: #f2b705;
  --sky: #eaf4ff;
  --line: #d7e2ee;
  --panel: #ffffff;
  --soft: #f6f9fc;
  --danger: #9f1d20;
  --success: #136f4b;
  --shadow: 0 18px 44px rgba(20, 32, 51, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: #fff;
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.6;
  overflow-wrap: anywhere;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--brand);
}

a:hover {
  color: var(--brand-dark);
}

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -4rem;
  z-index: 20;
  background: var(--brand);
  color: #fff;
  padding: 0.75rem 1rem;
}

.skip-link:focus {
  top: 1rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(0.65rem, 1.5vw, 1rem);
  min-height: 82px;
  padding: 0.65rem clamp(0.85rem, 2vw, 2rem);
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(10px);
}

.brand {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  color: var(--ink);
  text-decoration: none;
}

.brand img {
  width: 64px;
  height: 64px;
  object-fit: contain;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-weight: 700;
  font-size: 0.76rem;
}

.site-nav {
  flex: 1 1 auto;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.2rem;
  min-width: 0;
}

.site-nav a {
  flex: 0 0 auto;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  padding: 0.6rem 0.66rem;
  border-radius: 8px;
  color: var(--ink);
  font-size: 0.94rem;
  font-weight: 700;
  line-height: 1.2;
  text-decoration: none;
  overflow-wrap: normal;
  white-space: nowrap;
  word-break: normal;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  background: var(--sky);
  color: var(--brand);
}

.site-nav .nav-cta {
  background: var(--brand);
  color: #fff;
}

.site-nav .nav-cta:hover {
  background: var(--brand-dark);
  color: #fff;
}

.menu-toggle {
  display: none;
  min-height: 44px;
  padding: 0.55rem 0.8rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font-weight: 800;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(280px, 0.95fr);
  align-items: center;
  gap: clamp(1.5rem, 4vw, 4rem);
  padding: clamp(3rem, 8vw, 7rem) clamp(1rem, 5vw, 5rem);
  background: linear-gradient(120deg, #f8fbff, #edf6ff 58%, #fff8df);
}

.hero > *,
.split > *,
.section > *,
.page-hero > *,
.intro-grid > *,
.term-grid > *,
.video-grid > *,
.faq-grid > *,
.resource-grid > *,
.placeholder-grid > *,
.process-list > * {
  min-width: 0;
}

.hero h1,
.page-hero h1 {
  max-width: 860px;
  margin: 0;
  font-size: clamp(2.35rem, 6vw, 4.9rem);
  line-height: 0.98;
  letter-spacing: 0;
}

.hero-copy {
  max-width: 720px;
  color: #344256;
  font-size: clamp(1.05rem, 2vw, 1.25rem);
}

.hero-media img {
  width: 100%;
  border-radius: 8px;
  box-shadow: var(--shadow);
  object-fit: cover;
}

.trust-note,
.placeholder-note,
.form-help,
.fine-print {
  color: var(--muted);
}

.eyebrow,
.card-kicker {
  margin: 0 0 0.65rem;
  color: var(--brand);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.25rem;
}

.button {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  padding: 0.8rem 1rem;
  border: 1px solid transparent;
  font-weight: 850;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
}

.button.primary {
  background: var(--brand);
  color: #fff;
}

.button.primary:hover {
  background: var(--brand-dark);
  color: #fff;
}

.button.secondary {
  background: #fff;
  border-color: var(--brand);
  color: var(--brand);
}

.button.dark {
  background: var(--ink);
  color: #fff;
}

.button.full {
  width: 100%;
}

.button:disabled {
  opacity: 0.58;
  cursor: not-allowed;
}

.section,
.page-hero {
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1rem, 5vw, 5rem);
}

.page-hero {
  background: var(--soft);
  border-bottom: 1px solid var(--line);
}

.page-hero p {
  max-width: 760px;
  color: #344256;
  font-size: 1.1rem;
}

.section-heading {
  max-width: 860px;
  margin: 0 auto 2rem;
  text-align: center;
}

.section-heading h2,
.split h2,
.broker-link h2 {
  margin: 0;
  font-size: clamp(1.85rem, 4vw, 3rem);
  line-height: 1.08;
  letter-spacing: 0;
}

.intro-grid,
.term-grid,
.video-grid,
.faq-grid,
.resource-grid,
.placeholder-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.intro-grid article,
.term-grid article,
.video-card,
.resource-grid article,
.faq-grid details,
.profile-card,
.cta-card,
.legal-card,
.placeholder-grid article {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.25rem;
  box-shadow: 0 10px 24px rgba(20, 32, 51, 0.06);
}

.intro-grid h2,
.term-grid h3,
.resource-grid h2,
.video-card h2,
.placeholder-grid h2 {
  margin: 0 0 0.5rem;
  line-height: 1.15;
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.7fr);
  gap: clamp(1.5rem, 4vw, 4rem);
  align-items: center;
}

.about-preview,
.review-panel,
.broker-link {
  background: var(--soft);
}

.profile-card {
  text-align: center;
}

.headshot-placeholder {
  display: grid;
  place-items: center;
  width: 160px;
  height: 160px;
  margin: 0 auto 1rem;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  font-size: 3rem;
  font-weight: 900;
}

.comparison-table {
  max-width: 1050px;
  margin: 0 auto;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.comparison-table [role="row"] {
  display: grid;
  grid-template-columns: 0.55fr 1.1fr 1.2fr;
}

.comparison-table span {
  padding: 1rem;
  border-top: 1px solid var(--line);
}

.comparison-table .table-head span {
  border-top: 0;
  background: var(--brand);
  color: #fff;
  font-weight: 900;
}

.process-list {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
  padding: 0;
  list-style: none;
}

.process-list li {
  counter-increment: step;
  padding: 1.25rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.process-list li::before {
  content: counter(step);
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  margin-bottom: 1rem;
  border-radius: 50%;
  background: var(--gold);
  color: var(--ink);
  font-weight: 900;
}

.process-list span {
  display: block;
  margin-top: 0.5rem;
  color: var(--muted);
}

.warning,
.error-message {
  color: var(--danger);
  font-weight: 800;
}

.success-message {
  color: var(--success);
  font-weight: 800;
}

.center-cta {
  margin-top: 2rem;
  text-align: center;
}

.broker-link {
  text-align: center;
}

.lead-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.lead-form .full-span {
  grid-column: 1 / -1;
}

label {
  display: grid;
  gap: 0.35rem;
  font-weight: 800;
}

input,
select,
textarea {
  width: 100%;
  min-height: 46px;
  padding: 0.75rem;
  border: 1px solid #b8c6d8;
  border-radius: 8px;
  color: var(--ink);
  background: #fff;
  font: inherit;
}

textarea {
  min-height: 120px;
  resize: vertical;
}

fieldset {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin: 0;
  padding: 1rem;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--soft);
}

fieldset[hidden] {
  display: none;
}

legend {
  padding: 0 0.35rem;
  color: var(--brand);
  font-weight: 900;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-weight: 700;
}

.checkbox-label input {
  width: 20px;
  min-height: 20px;
  margin-top: 0.2rem;
}

.hp-field {
  position: absolute;
  left: -100vw;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-status {
  min-height: 1.5rem;
}

.site-footer {
  display: grid;
  gap: 1rem;
  padding: 2rem clamp(1rem, 5vw, 5rem);
  color: #d9e6f5;
  background: var(--brand-dark);
}

.site-footer a {
  color: #fff;
  font-weight: 800;
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.site-footer .fine-print {
  max-width: 1100px;
  color: #bfd0e4;
  font-size: 0.88rem;
}

.video-placeholder {
  display: grid;
  place-items: center;
  min-height: 150px;
  margin-bottom: 1rem;
  border-radius: 8px;
  color: #fff;
  background: linear-gradient(135deg, var(--brand), #275c96);
  font-weight: 900;
}

.breadcrumb {
  margin-bottom: 1rem;
  font-size: 0.9rem;
}

@media (max-width: 1180px) {
  .menu-toggle {
    display: inline-flex;
    align-items: center;
  }

  .site-nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 82px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0.35rem;
    padding: 1rem;
    background: #fff;
    border-bottom: 1px solid var(--line);
  }

  .site-nav a {
    justify-content: flex-start;
    white-space: normal;
  }

  .site-nav.is-open {
    display: flex;
  }

  .hero,
  .split {
    grid-template-columns: 1fr;
  }

  .intro-grid,
  .term-grid,
  .video-grid,
  .faq-grid,
  .resource-grid,
  .placeholder-grid,
  .process-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 680px) {
  .site-header {
    min-height: 74px;
  }

  .site-nav {
    top: 74px;
  }

  .brand img {
    width: 52px;
    height: 52px;
  }

  .brand small {
    display: none;
  }

  .hero h1,
  .page-hero h1 {
    font-size: 2.35rem;
  }

  .intro-grid,
  .term-grid,
  .video-grid,
  .faq-grid,
  .resource-grid,
  .placeholder-grid,
  .process-list,
  fieldset,
  .lead-form {
    grid-template-columns: 1fr;
  }

  .comparison-table [role="row"] {
    grid-template-columns: 1fr;
  }

  .comparison-table .table-head {
    display: none;
  }

  .comparison-table span {
    border-top: 0;
    border-bottom: 1px solid var(--line);
  }

  .button-row {
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition: none !important;
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
  }
}