:root {
  --paper: #f4f6f8;
  --ink: #142033;
  --trust: #0e3a68;
  --action: #d92d20;
  --action-dark: #b42318;
  --sand: #e6edf5;
  --card: #ffffff;
  --line: #d5dde6;
  --muted: #5c6b7a;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Outfit", "Segoe UI", sans-serif;
  --shadow: 0 24px 50px rgba(14, 58, 104, 0.12);
  --header: 76px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 1.05rem;
  line-height: 1.5;
}

img, svg { display: block; max-width: 100%; }

button, input, select { font: inherit; color: inherit; }

a { color: inherit; }

h1, h2, h3, p { margin-top: 0; }

h1, h2, .price, .amount, .steps span {
  font-family: var(--serif);
  font-weight: 560;
  letter-spacing: -0.03em;
}

h1 {
  margin-bottom: 0.6rem;
  font-size: clamp(2.7rem, 6vw, 4.8rem);
  line-height: 0.98;
}

h1 em {
  font-style: italic;
  font-weight: 560;
  color: var(--trust);
}

h2 {
  margin-bottom: 0.8rem;
  font-size: clamp(2rem, 4vw, 3.15rem);
  line-height: 1.05;
}

h3 { margin-bottom: 0.35rem; font-size: 1.15rem; }

.wrap {
  width: min(1120px, calc(100% - 2rem));
  margin-inline: auto;
}

.skip {
  position: absolute;
  left: 1rem;
  top: -3rem;
  z-index: 20;
  background: var(--trust);
  color: #fff;
  padding: 0.5rem 0.8rem;
  border-radius: 999px;
}

.skip:focus { top: 0.7rem; }

.kicker {
  margin-bottom: 0.45rem;
  color: var(--trust);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.kicker-light { color: #d6e4f5; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(244, 246, 248, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

.header-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header);
  gap: 1rem;
}

.logo, .logo-text {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  color: var(--trust);
  font-weight: 700;
  text-decoration: none;
  letter-spacing: -0.03em;
}

.logo svg { width: 36px; height: 36px; }

.nav {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.nav a { text-decoration: none; font-weight: 550; }

.nav a:not(.button):hover { color: var(--trust); }

.nav-toggle {
  display: none;
  border: 1px solid var(--trust);
  background: transparent;
  border-radius: 999px;
  padding: 0.45rem 0.8rem;
  font-weight: 650;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: 0;
  border-radius: 999px;
  padding: 0.85rem 1.2rem;
  background: var(--action);
  color: #fff;
  font-weight: 650;
  text-decoration: none;
  cursor: pointer;
}

.button:hover { background: var(--action-dark); }

.button-small { padding: 0.55rem 0.9rem; }

.payout .button { background: var(--trust); }

.payout .button:hover { background: #0a2c50; }

.button-block { width: 100%; }

.button-ghost {
  background: transparent;
  color: var(--trust);
  border: 1.5px solid var(--trust);
}

.button-ghost:hover {
  background: #e7f0fa;
  color: var(--trust);
}

.hero {
  padding: 2.5rem 0 3rem;
  background:
    radial-gradient(ellipse at 0% 0%, rgba(14, 58, 104, 0.08), transparent 46%),
    var(--paper);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 2.5rem;
  align-items: start;
}

#quote-form,
#success {
  grid-column: 2;
  grid-row: 1;
}

.lede, .section-lead {
  max-width: 38rem;
  color: var(--muted);
  font-size: 1.12rem;
}

.chips, .seg {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
}

.chips { margin: 1.3rem 0 1.1rem; }

.chips button, .seg button {
  border: 1px solid var(--line);
  background: var(--card);
  border-radius: 999px;
  padding: 0.45rem 0.8rem;
  cursor: pointer;
  font-weight: 600;
}

.chips button[aria-pressed="true"],
.seg button[aria-pressed="true"] {
  background: var(--trust);
  border-color: var(--trust);
  color: #fff;
}

.trust {
  display: grid;
  gap: 0.45rem;
  margin: 0;
  padding: 0;
  list-style: none;
  color: var(--trust);
  font-weight: 600;
}

.trust li::before {
  content: "";
  display: inline-block;
  width: 0.55rem;
  height: 0.55rem;
  margin-right: 0.55rem;
  border-radius: 50%;
  background: var(--trust);
  transform: translateY(-1px);
}

.slip {
  background: var(--card);
  border-radius: 22px;
  box-shadow: var(--shadow);
  padding: 1.15rem 1.15rem 1.25rem;
}

.slip-head {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.9rem;
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.slip-head p { margin: 0; }

.seg { margin-bottom: 0.9rem; }

.seg button { flex: 1; padding: 0.5rem 0.35rem; font-size: 0.86rem; }

.field {
  display: grid;
  gap: 0.35rem;
  margin-bottom: 0.75rem;
  font-size: 0.82rem;
  font-weight: 700;
}

input, select {
  width: 100%;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 12px;
  padding: 0.75rem 0.8rem;
  font-weight: 500;
}

fieldset {
  margin: 0 0 0.8rem;
  padding: 0;
  border: 0;
  min-inline-size: 0;
}

legend {
  margin-bottom: 0.45rem;
  font-size: 0.82rem;
  font-weight: 700;
}

.conditions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.45rem;
}

.cond { position: relative; display: block; }

.cond input {
  position: absolute;
  opacity: 0;
  inset: 0;
  width: 100%;
  height: 100%;
  margin: 0;
}

.cond span {
  display: grid;
  gap: 0.15rem;
  height: 100%;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: 0.65rem 0.7rem;
  background: #fff;
}

.cond strong { font-size: 0.92rem; }

.cond small {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 500;
  line-height: 1.3;
}

.cond input:checked + span {
  border-color: var(--trust);
  background: #e7f0fa;
}

.cond:last-child { grid-column: 1 / -1; }

.cond input:focus-visible + span,
.button:focus-visible,
.chips button:focus-visible,
.seg button:focus-visible,
a:focus-visible,
input:focus-visible,
select:focus-visible,
summary:focus-visible,
.nav-toggle:focus-visible,
.cat-card:focus-visible {
  outline: 2px solid var(--trust);
  outline-offset: 2px;
}

.price {
  margin: 0.2rem 0 0.25rem;
  font-size: clamp(2.8rem, 7vw, 4.3rem);
  line-height: 0.95;
}

.price-note, .fine {
  color: var(--muted);
  font-size: 0.92rem;
}

.fine { margin: 0.7rem 0 0; }

.contact-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.7rem;
}

.success h3 {
  font-family: var(--serif);
  font-size: 2rem;
  font-weight: 560;
  letter-spacing: -0.03em;
}

.success p { margin-bottom: 0.4rem; }

.success-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 0.8rem;
}

.marquee {
  overflow: hidden;
  border-block: 1px solid var(--line);
  background: var(--card);
}

.marquee-track {
  display: flex;
  width: max-content;
  animation: ticker 32s linear infinite;
}

.marquee-track p {
  display: flex;
  gap: 1.6rem;
  margin: 0;
  padding: 0.85rem 0.8rem;
  font-weight: 650;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.section { padding: 4.5rem 0; }

.section-sand { background: var(--sand); }

.cat-grid, .factor-grid, .payout-grid {
  display: grid;
  gap: 0.85rem;
  margin-top: 1.5rem;
}

.cat-grid { grid-template-columns: repeat(5, 1fr); }

.cat-card {
  display: grid;
  align-content: start;
  gap: 0.35rem;
  text-align: left;
  border: 1px solid var(--line);
  background: var(--card);
  border-radius: 18px;
  padding: 1rem;
  cursor: pointer;
}

.cat-card svg {
  width: 32px;
  height: 32px;
  margin-bottom: 0.45rem;
  color: var(--trust);
}

.cat-card p, .factor-grid p, .steps p {
  margin-bottom: 0;
  color: var(--muted);
}

.cat-card:hover {
  border-color: var(--trust);
  transform: translateY(-2px);
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin: 1.4rem 0 0;
  padding: 0;
  list-style: none;
}

.steps li {
  background: var(--card);
  border-radius: 18px;
  padding: 1.2rem;
}

.steps span {
  display: block;
  margin-bottom: 0.8rem;
  color: var(--trust);
  font-size: 2rem;
}

.payout-grid { grid-template-columns: repeat(4, 1fr); }

.payout {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 1rem;
}

.payout h3 {
  font-size: 1.05rem;
  line-height: 1.25;
  text-wrap: balance;
}

.payout .nowrap { white-space: nowrap; }

.payout .eyebrow {
  margin: 0;
  color: var(--muted);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.amount {
  margin: 0.2rem 0 0.8rem;
  font-size: 2rem;
}

.payout .button { margin-top: auto; }

.factor-grid { grid-template-columns: repeat(4, 1fr); }

.factor-grid article, .faq details {
  background: var(--card);
  border-radius: 16px;
  padding: 1rem 1.05rem;
}

.faq-wrap {
  display: grid;
  grid-template-columns: 0.7fr 1.3fr;
  gap: 2rem;
  align-items: start;
}

.faq { display: grid; gap: 0.6rem; }

.faq summary {
  cursor: pointer;
  font-weight: 700;
  list-style: none;
}

.faq summary::-webkit-details-marker { display: none; }

.faq summary::after {
  content: "+";
  float: right;
  color: var(--trust);
  font-size: 1.3rem;
  line-height: 1;
}

.faq details[open] summary::after { content: "–"; }

.faq details p {
  margin: 0.7rem 0 0.2rem;
  color: var(--muted);
}

.band {
  background: var(--trust);
  color: #f4f7fb;
  padding: 3.5rem 0;
}

.band h2 { max-width: 16ch; }

.band-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.site-footer {
  background: #0b2744;
  color: #d5e0ea;
  padding: 2.4rem 0 1.2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr;
  gap: 1.5rem;
}

.footer-grid a, .logo-text { color: #f4f7fb; }

.footer-grid a {
  display: block;
  margin: 0.2rem 0;
  text-decoration: none;
}

.footer-label {
  margin-bottom: 0.35rem;
  color: #d6e4f5;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.footer-base {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 1.8rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(214, 228, 245, 0.2);
  color: #9aafc0;
  font-size: 0.9rem;
}

.noscript {
  margin: 0;
  padding: 0.8rem 1rem;
  background: #e7f0fa;
  text-align: center;
}

[hidden] { display: none !important; }

section, .band { scroll-margin-top: calc(var(--header) + 12px); }

@keyframes ticker {
  to { transform: translateX(-50%); }
}

@media (max-width: 980px) {
  .hero-grid, .faq-wrap, .footer-grid { grid-template-columns: 1fr; }
  #quote-form, #success { grid-column: auto; grid-row: auto; }
  .cat-grid, .payout-grid, .factor-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .band-inner { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 760px) {
  .nav-toggle { display: inline-flex; }

  .nav {
    display: none;
    position: absolute;
    top: var(--header);
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0.2rem;
    padding: 0.6rem 1rem 1rem;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
  }

  .site-header.nav-open .nav {
    display: flex;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 18px 30px rgba(20, 48, 40, 0.08);
  }

  .nav a { padding: 0.55rem 0.2rem; }

  .contact-row, .conditions, .cat-grid, .payout-grid, .factor-grid {
    grid-template-columns: 1fr;
  }

  .footer-base { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .marquee-track { animation: none; }
  .cat-card:hover { transform: none; }
}