:root {
  --blue: #1A3691;
  --navy: #1A3691;
  --navy-deep: #1A3691;
  --aqua: #49D8D7;
  --aqua-soft: #daf7f6;
  --ink: #12203a;
  --muted: #5b687d;
  --mist: #f3f7fb;
  --line: #dce5ef;
  --white: #ffffff;
  --warm: #f7f5f1;
  --shadow: 0 22px 70px rgba(16, 37, 99, 0.14);
  --radius: 22px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  overflow-x: hidden;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

.skip-link {
  position: fixed;
  left: 16px;
  top: 12px;
  z-index: 100;
  padding: 10px 14px;
  color: var(--white);
  background: var(--navy);
  border-radius: 8px;
  transform: translateY(-150%);
}
.skip-link:focus { transform: translateY(0); }
.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 104px 0; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255, 255, 255, 0.92);
  border-bottom: 1px solid rgba(220, 229, 239, 0.9);
  backdrop-filter: blur(16px);
}
.header-inner { min-height: 76px; display: flex; align-items: center; }
.brand { color: var(--navy); font-size: 1rem; text-decoration: none; }
.brand strong { font-weight: 750; }

.hero {
  position: relative;
  overflow: hidden;
  background: var(--white);
  border-bottom: 1px solid var(--line);
}
.hero-grid { padding: 54px 0 62px; }
.hero-copy { width: 100%; }
.desktop-break { display: none; }
.headline-accent {
  position: relative;
  z-index: 0;
  display: inline-block;
  padding-inline: .02em;
  isolation: isolate;
}
.headline-accent::after {
  content: "";
  position: absolute;
  z-index: -1;
  left: -.02em;
  right: -.05em;
  bottom: -.035em;
  height: clamp(6px, .18em, 14px);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 12' preserveAspectRatio='none'%3E%3Cpath d='M1 6.7C13 4.9 24 7.4 36 6.1S59 5.2 72 6.8 89 4.8 99 6.2' fill='none' stroke='%2349D8D7' stroke-width='2.3' stroke-linecap='round'/%3E%3Cpath d='M2 8C17 7.1 29 8.9 44 7.4S69 8.4 98 7' fill='none' stroke='%2349D8D7' stroke-width='1.2' stroke-linecap='round' opacity='.72'/%3E%3Cpath d='M5 4.9C21 3.8 39 5.9 55 4.9S79 5.8 96 4.2' fill='none' stroke='%2349D8D7' stroke-width='.9' stroke-linecap='round' opacity='.55'/%3E%3C/svg%3E") center / 100% 100% no-repeat;
  transform: rotate(-.25deg);
}
.headline-accent:nth-of-type(2)::after {
  transform: rotate(.15deg) scaleY(.96);
}
.hero-eyebrow { margin-bottom: 18px; }
.eyebrow { display: flex; align-items: center; gap: 10px; margin: 0 0 20px; color: var(--blue); font-size: .76rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.eyebrow span { width: 28px; height: 3px; border-radius: 3px; background: var(--aqua); }
h1, h2, h3, p { margin-top: 0; }
h1 { max-width: 1050px; margin-bottom: 22px; overflow-wrap: break-word; color: var(--navy); font-size: clamp(2.9rem, 5.5vw, 4.8rem); line-height: .98; letter-spacing: -.045em; hyphens: manual; }
.hero-question { display: block; margin-top: .34em; font-size: .55em; line-height: 1.12; letter-spacing: -.035em; }
h2 { margin-bottom: 18px; color: var(--navy); font-size: clamp(2rem, 3.7vw, 3.25rem); line-height: 1.07; letter-spacing: -.035em; }
h3 { margin-bottom: 12px; color: var(--navy); font-size: 1.25rem; line-height: 1.28; }
.hero-lead { width: 100%; max-width: 880px; margin-bottom: 26px; color: #46566f; font-size: clamp(1.12rem, 1.7vw, 1.3rem); line-height: 1.55; }
.hero-benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 0 0 26px; padding: 0; list-style: none; }
.hero-benefits li { display: grid; grid-template-columns: 38px 1fr; gap: 13px; align-items: center; min-height: 86px; padding: 16px 20px; background: var(--mist); border: 1px solid var(--line); border-top: 4px solid var(--blue); border-radius: 16px; box-shadow: 0 12px 32px rgba(16, 37, 99, .07); }
.hero-benefits strong { color: var(--navy); font-size: 1.02rem; line-height: 1.35; }
.check-icon { display: grid; place-items: center; width: 38px; height: 38px; color: var(--white); background: var(--blue); border-radius: 12px; font-size: .95rem; font-weight: 800; box-shadow: 0 8px 18px rgba(26, 54, 145, .2); }
.hero-actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 11px;
  min-height: 52px;
  padding: 0 23px;
  border: 1px solid transparent;
  border-radius: 12px;
  font-weight: 750;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background-color .18s ease;
}
.button:hover { transform: translateY(-2px); }
.button:focus-visible, .choice:has(input:focus-visible), input:focus-visible, select:focus-visible, summary:focus-visible { outline: 3px solid rgba(73, 216, 215, .65); outline-offset: 3px; }
.button-primary { color: var(--white); background: var(--blue); box-shadow: 0 12px 30px rgba(26, 54, 145, .22); }
.button-primary:hover { background: var(--navy); }
.hero-actions .button-primary { color: var(--blue); background: var(--aqua); box-shadow: 0 12px 30px rgba(73, 216, 215, .28); }
.hero-actions .button-primary:hover { background: var(--aqua); }
.button-secondary { color: var(--blue); background: var(--white); border-color: var(--line); }
.button-aqua { color: var(--navy-deep); background: var(--aqua); }
.microcopy { color: var(--muted); font-size: .78rem; }

@media (min-width: 721px) {
  .desktop-break { display: initial; }
}

.trust-strip { border-block: 1px solid var(--line); background: var(--white); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { min-height: 92px; display: flex; flex-direction: column; justify-content: center; padding: 18px 24px; border-right: 1px solid var(--line); }
.trust-grid > div:first-child { padding-left: 0; }
.trust-grid > div:last-child { padding-right: 0; border-right: 0; }
.trust-grid strong { color: var(--navy); }
.trust-grid span { margin-top: 3px; color: var(--muted); font-size: .82rem; }

.decision-section { background: var(--white); }
.section-heading { max-width: 770px; margin: 0 auto 52px; text-align: center; }
.section-heading .eyebrow { justify-content: center; }
.section-heading > p:last-child { margin-bottom: 0; color: var(--muted); font-size: 1.05rem; }
.section-heading.left { margin-inline: 0; text-align: left; }
.section-heading.left .eyebrow { justify-content: flex-start; }
.decision-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.decision-card { min-height: 280px; padding: 32px; background: var(--mist); border: 1px solid transparent; border-radius: var(--radius); }
.decision-card.featured { background: var(--navy); }
.decision-card.featured h3, .decision-card.featured .card-number { color: var(--white); }
.decision-card.featured p { color: #ccd6ec; }
.card-number { display: block; margin-bottom: 48px; color: var(--blue); font-size: .78rem; font-weight: 800; letter-spacing: .1em; }
.decision-card p { margin-bottom: 0; color: var(--muted); }
.decision-note { max-width: 920px; margin: 28px auto 0; padding: 18px 22px; color: var(--muted); background: var(--mist); border-left: 3px solid var(--aqua); font-size: .88rem; }

.process-section { color: var(--white); background: var(--navy-deep); }
.process-layout { display: grid; gap: 52px; }
.eyebrow-light { color: var(--aqua); }
.process-copy h2 { color: var(--white); }
.process-copy > p:not(.eyebrow):not(.quote-author) { color: #c8d2e9; font-size: 1.05rem; }
.process-heading { max-width: 820px; }
blockquote { margin: 44px 0 10px; padding-left: 22px; border-left: 3px solid var(--aqua); color: var(--white); font-size: 1.34rem; line-height: 1.5; }
.quote-author { color: var(--aqua); font-size: .82rem; font-weight: 800; }
.process-steps { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin: 0; padding: 0; list-style: none; }
.process-steps::before { content: ""; position: absolute; top: 25px; left: 12.5%; right: 12.5%; height: 2px; background: rgba(73,216,215,.38); }
.process-steps li { position: relative; z-index: 1; min-width: 0; padding: 0 4px; }
.process-steps li > span { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 24px; color: var(--navy-deep); background: var(--aqua); border: 5px solid var(--navy-deep); border-radius: 50%; font-size: .9rem; font-weight: 850; box-shadow: 0 0 0 1px rgba(73,216,215,.55); }
.process-steps strong { display: block; min-height: 3.1em; color: var(--white); font-size: 1.08rem; line-height: 1.4; }
.process-steps p { margin: 10px 0 0; color: #bfcbe4; font-size: .9rem; line-height: 1.65; }
.process-quote { display: grid; grid-template-columns: minmax(0, 1fr) auto; column-gap: 32px; align-items: end; padding: 28px 32px; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); border-radius: 18px; }
.process-quote blockquote { margin: 0; font-size: 1.16rem; }
.process-quote .quote-author { margin: 0 0 3px; white-space: nowrap; }
.process-action { display: flex; justify-content: center; margin-top: -18px; }

.adviser-section { background: var(--mist); }
.adviser-grid { display: grid; grid-template-columns: minmax(320px, .82fr) minmax(0, 1.18fr); gap: 76px; align-items: center; }
.adviser-portrait { position: relative; min-height: 520px; overflow: hidden; background: transparent; }
.adviser-portrait > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 40%; transform: scale(1.42); transform-origin: 50% 78%; }
.adviser-copy > p:not(.eyebrow) { color: var(--muted); font-size: 1.05rem; }
.plain-list { display: grid; gap: 12px; margin: 26px 0 30px; padding: 0; list-style: none; }
.plain-list li { position: relative; padding-left: 26px; }
.plain-list li::before { content: ""; position: absolute; left: 0; top: .48em; width: 10px; height: 10px; border-radius: 50%; background: var(--aqua); box-shadow: 0 0 0 4px var(--aqua-soft); }
.disclosure { display: grid; grid-template-columns: 24px 1fr; gap: 13px; padding: 17px; color: var(--muted); background: rgba(255,255,255,.7); border-left: 3px solid var(--aqua); }
.disclosure svg { width: 22px; fill: none; stroke: var(--blue); stroke-width: 1.7; stroke-linecap: round; }
.disclosure p { margin: 0; font-size: .82rem; }

.reviews-section { background: var(--white); }
.reviews-heading { margin-bottom: 34px; }
.reviews-heading h2 { max-width: 700px; margin-bottom: 0; }
.reviews-grid { display: grid; grid-template-columns: 1.15fr 1fr 1fr; gap: 18px; }
.review-card { display: flex; flex-direction: column; justify-content: space-between; min-height: 260px; margin: 0; padding: 28px; background: var(--mist); border: 1px solid var(--line); border-radius: 20px; }
.review-card-featured { color: var(--white); background: var(--navy); border-color: var(--navy); }
.review-card blockquote { margin: 0 0 28px; padding: 0; border: 0; color: inherit; font-size: 1.08rem; line-height: 1.62; }
.review-card figcaption { display: grid; gap: 4px; }
.review-card figcaption span { color: var(--muted); font-size: .76rem; }
.review-card-featured figcaption span { color: #b9c6e2; }
.reviews-note { margin: 18px 0 0; color: var(--muted); font-size: .75rem; }

.check-section { background: var(--mist); }
.check-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 72px; align-items: start; }
.check-intro { position: sticky; top: 120px; }
.check-intro > p:not(.eyebrow) { color: var(--muted); font-size: 1.04rem; }
.privacy-promise { display: grid; gap: 3px; margin-top: 32px; padding: 18px 20px; border-left: 3px solid var(--aqua); background: var(--white); }
.privacy-promise span { color: var(--muted); font-size: .82rem; }
.checker { min-height: 0; padding: 30px; background: var(--white); border-radius: 24px; box-shadow: var(--shadow); }
.checker-progress { margin-bottom: 28px; }
.progress-label { display: block; margin-bottom: 10px; color: var(--muted); font-size: .78rem; }
.progress-track { height: 6px; overflow: hidden; background: #e6edf4; border-radius: 99px; }
.progress-track span { display: block; width: 16.667%; height: 100%; background: var(--aqua); border-radius: inherit; transition: width .3s ease; }
.check-step { display: none; margin: 0; padding: 0; border: 0; }
.check-step.active { display: block; animation: stepIn .28s ease both; }
@keyframes stepIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.check-step legend, .step-question { width: 100%; margin: 0; padding: 0; color: var(--navy); font-size: 1.55rem; font-weight: 800; line-height: 1.25; }
.sr-only { position: absolute !important; width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important; overflow: hidden !important; clip: rect(0, 0, 0, 0) !important; white-space: nowrap !important; border: 0 !important; }
.step-hint { margin: 8px 0 24px; color: var(--muted); font-size: .9rem; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
.choice-grid.three { grid-template-columns: repeat(3, 1fr); }
.choice { position: relative; display: block; cursor: pointer; }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice > span { min-height: 108px; display: flex; flex-direction: column; justify-content: center; padding: 20px; color: var(--navy); background: var(--white); border: 1.5px solid var(--line); border-radius: 14px; font-weight: 750; transition: border-color .18s ease, background .18s ease, transform .18s ease; }
.choice > span:hover { transform: translateY(-2px); border-color: var(--blue); }
.choice input:checked + span { border-color: var(--blue); background: #f4f7ff; box-shadow: 0 0 0 3px rgba(26,54,145,.09); }
.choice small { margin-top: 7px; color: var(--muted); font-size: .78rem; font-weight: 500; }
.choice.compact > span { min-height: 70px; text-align: center; align-items: center; }
.text-button { margin-top: 28px; padding: 8px 0; color: var(--blue); background: none; border: 0; font-weight: 750; cursor: pointer; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: grid; gap: 7px; margin-bottom: 16px; color: var(--ink); font-size: .86rem; font-weight: 700; }
.field input, .field select { width: 100%; min-height: 52px; padding: 0 14px; color: var(--ink); background: var(--white); border: 1.5px solid var(--line); border-radius: 11px; }
.field input::placeholder { color: #8792a5; }
.required-mark { color: #a72828; }
.contact-group { margin: 2px 0 4px; padding: 18px 18px 2px; border: 1px solid var(--line); border-radius: 14px; }
.contact-group > legend { width: auto; padding: 0 7px; color: var(--ink); font-size: .9rem; font-weight: 800; }
.field-requirement { margin: 0 0 14px; color: var(--muted); font-size: .8rem; line-height: 1.45; }
.field-requirement span { color: #a72828; font-weight: 900; }
.consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; margin-top: 4px; color: var(--muted); font-size: .76rem; cursor: pointer; }
.consent input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--blue); }
.consent a { color: var(--blue); }
.form-error { min-height: 20px; margin: 12px 0 0; color: #a72828; font-size: .8rem; }
.website-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-actions { display: flex; justify-content: space-between; align-items: center; gap: 18px; margin-top: 14px; }
.form-actions .text-button { margin-top: 0; }
.form-actions .button:disabled { cursor: wait; opacity: .72; }
.check-success { display: none; min-height: 380px; place-items: center; align-content: center; text-align: center; }
.check-success.visible { display: grid; }
.success-icon { display: grid; place-items: center; width: 58px; height: 58px; margin-bottom: 22px; color: var(--navy); background: var(--aqua); border-radius: 50%; font-size: 1.4rem; font-weight: 900; }
.check-success h3 { font-size: 1.65rem; }
.check-success p { max-width: 530px; color: var(--muted); }
.result-card { margin-top: 20px; padding: 28px; background: var(--mist); border: 1px solid var(--line); border-top: 4px solid var(--aqua); border-radius: 18px; }
.result-kicker { display: block; margin-bottom: 10px; color: var(--blue); font-size: .72rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.result-card h3 { margin-bottom: 12px; font-size: 1.45rem; }
.result-card > p { color: var(--muted); }
.result-card ul { display: grid; gap: 9px; margin: 20px 0; padding: 0; list-style: none; }
.result-card li { position: relative; padding-left: 24px; color: var(--ink); font-size: .9rem; }
.result-card li::before { content: "✓"; position: absolute; left: 0; color: var(--blue); font-weight: 900; }
.result-card .result-disclaimer { margin-bottom: 0; font-size: .75rem; }

.checklist-page { background: var(--mist); }
.checklist-header { padding: 26px 0; background: var(--white); border-bottom: 1px solid var(--line); }
.checklist-header .container { display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.checklist-header a { color: var(--blue); font-size: .86rem; font-weight: 750; text-decoration: none; }
.checklist-main { padding: 72px 0; }
.checklist-sheet { max-width: 860px; margin: 0 auto; padding: 56px; background: var(--white); border-radius: 24px; box-shadow: var(--shadow); }
.checklist-sheet h1 { max-width: 760px; margin-bottom: 20px; font-size: clamp(2.3rem, 6vw, 4.2rem); }
.thank-you-subheadline { max-width: 760px; margin: -6px 0 18px; color: var(--navy); font-size: clamp(1.4rem, 3vw, 2rem); font-weight: 750; line-height: 1.25; }
.checklist-intro { color: var(--muted); font-size: 1.08rem; }
.checklist-items { display: grid; gap: 16px; margin: 38px 0; padding: 0; list-style: none; }
.checklist-items [role="listitem"] { position: relative; padding: 22px 22px 22px 74px; background: var(--mist); border-radius: 15px; }
.checklist-items .item-number { position: absolute; left: 20px; top: 22px; display: grid; place-items: center; width: 34px; height: 34px; color: var(--white); background: var(--blue); border-radius: 50%; font-weight: 850; }
.checklist-items strong { display: block; margin-bottom: 5px; color: var(--navy); }
.checklist-items p { margin: 0; color: var(--muted); font-size: .91rem; }
.checklist-actions { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }
.report-sheet { max-width: 980px; }
.report-section { margin-top: 54px; padding-top: 46px; border-top: 1px solid var(--line); }
.report-section h2, .report-conclusion h2 { max-width: 760px; font-size: clamp(1.8rem, 4vw, 2.8rem); }
.report-kicker { margin: 0 0 12px; color: var(--blue); font-size: .72rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.report-grid { display: grid; gap: 14px; margin-top: 26px; }
.report-grid.three { grid-template-columns: repeat(3, 1fr); }
.report-grid article { padding: 24px; background: var(--mist); border-top: 3px solid var(--blue); border-radius: 14px; }
.report-grid strong { display: block; margin-bottom: 8px; color: var(--navy); }
.report-grid p { margin: 0; color: var(--muted); font-size: .9rem; }
.report-hint { margin: 20px 0 0; padding: 15px 18px; color: var(--muted); background: #f8fafc; border-left: 3px solid var(--aqua); font-size: .82rem; }
.traffic-light { display: grid; gap: 12px; margin-top: 26px; }
.traffic-light article { display: grid; grid-template-columns: 72px 1fr; gap: 20px; align-items: start; padding: 22px; border: 1px solid var(--line); border-radius: 14px; }
.traffic-light article > span { display: grid; place-items: center; min-height: 38px; color: var(--navy-deep); border-radius: 99px; font-size: .76rem; font-weight: 850; text-transform: uppercase; }
.traffic-light .light-green > span { background: #a9e6c1; }
.traffic-light .light-yellow > span { background: #ffe49a; }
.traffic-light .light-red > span { background: #ffc1bc; }
.traffic-light strong { display: block; color: var(--navy); }
.traffic-light p { margin: 5px 0 0; color: var(--muted); font-size: .9rem; }
.question-list { display: grid; gap: 10px; margin-top: 25px; }
.question-list label { display: grid; grid-template-columns: 22px 1fr; gap: 12px; align-items: start; padding: 17px 18px; background: var(--mist); border-radius: 12px; cursor: pointer; }
.question-list input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--blue); }
.mistake-list { display: grid; gap: 10px; margin: 26px 0 0; padding: 0; list-style: none; }
.mistake-list li { position: relative; padding: 17px 18px 17px 52px; background: var(--mist); border-radius: 12px; }
.mistake-list li::before { content: "×"; position: absolute; left: 19px; top: 12px; color: #b23a3a; font-size: 1.5rem; font-weight: 900; }
.report-conclusion { margin-top: 54px; padding: 36px; color: var(--white); background: var(--navy); border-radius: 20px; }
.report-conclusion .report-kicker { color: var(--aqua); }
.report-conclusion h2 { color: var(--white); }
.report-conclusion > p:not(.report-kicker) { color: #ccd6ec; }

.lead-magnet-section { padding: 76px 0; background: var(--white); }
.magnet-panel { display: grid; grid-template-columns: 1fr auto; gap: 38px; align-items: center; padding: 42px; color: var(--white); background: var(--blue); border-radius: 24px; }
.magnet-panel .eyebrow { color: var(--aqua); }
.magnet-panel h2 { max-width: 770px; margin-bottom: 12px; color: var(--white); font-size: clamp(1.75rem, 3vw, 2.5rem); }
.magnet-panel p:not(.eyebrow) { max-width: 780px; margin-bottom: 0; color: #ccd6ec; }
.magnet-benefits { display: grid; gap: 7px; margin: 20px 0 0; padding: 0; color: #edf3ff; font-size: .88rem; list-style: none; }
.magnet-benefits li { position: relative; padding-left: 22px; }
.magnet-benefits li::before { content: "✓"; position: absolute; left: 0; color: var(--aqua); font-weight: 900; }

.faq-section { padding-top: 90px; background: var(--white); }
.faq-layout { display: grid; grid-template-columns: .82fr 1.18fr; gap: 72px; align-items: start; }
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { position: relative; padding: 22px 42px 22px 0; color: var(--navy); font-weight: 750; cursor: pointer; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 4px; top: 18px; color: var(--blue); font-size: 1.5rem; font-weight: 400; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { padding: 0 40px 22px 0; color: var(--muted); }

.final-cta { padding: 72px 0; color: var(--white); background: var(--navy-deep); }
.final-cta-inner { display: grid; grid-template-columns: 1fr auto; gap: 48px; align-items: center; }
.final-cta h2 { max-width: 800px; margin-bottom: 0; color: var(--white); font-size: clamp(2rem, 3.6vw, 3.3rem); }
.site-footer { padding: 46px 0 32px; color: #dce5ef; background: var(--blue); }
.footer-grid { display: flex; justify-content: space-between; gap: 30px; align-items: start; }
.footer-grid strong { color: var(--white); font-size: 1.05rem; }
.footer-grid p { margin: 5px 0 0; font-size: .82rem; }
.footer-grid nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-grid a { color: var(--white); font-size: .82rem; text-decoration: none; }
.footer-legal { margin-top: 34px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.13); }
.footer-legal p { max-width: 920px; margin-bottom: 6px; font-size: .75rem; }

@media (max-width: 980px) {
  .hero-grid { padding: 48px 0 56px; }
  .hero-benefits { grid-template-columns: 1fr; }
  .hero-benefits li { min-height: 88px; }
  .decision-grid { grid-template-columns: 1fr 1fr; }
  .decision-card:last-child { grid-column: 1 / -1; min-height: 220px; }
  .process-layout, .adviser-grid, .check-layout, .faq-layout { grid-template-columns: 1fr; gap: 48px; }
  .process-steps { grid-template-columns: 1fr 1fr; row-gap: 34px; }
  .process-steps::before { display: none; }
  .process-steps li { padding: 24px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 16px; }
  .process-steps li > span { margin-bottom: 18px; border-width: 4px; }
  .process-steps strong { min-height: 0; }
  .check-intro { position: static; }
  .adviser-portrait { min-height: 420px; }
  .reviews-grid { grid-template-columns: 1fr 1fr; }
  .review-card-featured { grid-column: 1 / -1; min-height: 220px; }
  .magnet-panel, .final-cta-inner { grid-template-columns: 1fr; }
  .report-grid.three { grid-template-columns: 1fr; }
  .magnet-panel .button, .final-cta .button { justify-self: start; }
}

@media (max-width: 720px) {
  .container { width: min(100% - 32px, 1180px); }
  .section { padding: 74px 0; }
  .header-inner { min-height: 68px; }
  .hero-grid { padding: 38px 0 48px; }
  h1 { font-size: clamp(2.45rem, 10.5vw, 3.5rem); line-height: 1.04; }
  .hero-lead { margin-bottom: 30px; font-size: 1.1rem; line-height: 1.62; }
  .hero-benefits { gap: 12px; margin-bottom: 30px; }
  .hero-benefits li { min-height: 0; padding: 18px; }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .button { width: 100%; }
  .microcopy { text-align: center; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-grid > div { min-height: 84px; padding: 14px 16px; border-bottom: 1px solid var(--line); }
  .trust-grid > div:first-child { padding-left: 16px; }
  .trust-grid > div:nth-child(2) { border-right: 0; }
  .decision-grid { grid-template-columns: 1fr; }
  .decision-card:last-child { grid-column: auto; }
  .decision-card { min-height: 230px; }
  .card-number { margin-bottom: 30px; }
  .process-steps { grid-template-columns: 1fr; gap: 0; }
  .process-steps::before { display: block; top: 20px; bottom: 20px; left: 20px; right: auto; width: 2px; height: auto; }
  .process-steps li { display: grid; grid-template-columns: 42px 1fr; gap: 16px; padding: 0 0 30px; background: transparent; border: 0; border-radius: 0; }
  .process-steps li:last-child { padding-bottom: 0; }
  .process-steps li > span { width: 42px; height: 42px; margin: 0; border-width: 4px; }
  .process-quote { grid-template-columns: 1fr; gap: 14px; padding: 24px; }
  .process-quote .quote-author { margin-left: 25px; }
  .adviser-grid { gap: 34px; }
  .adviser-portrait { min-height: 360px; }
  .reviews-grid { grid-template-columns: 1fr; }
  .review-card-featured { grid-column: auto; }
  .checker { min-height: 0; padding: 24px 18px; border-radius: 18px; }
  .choice-grid, .choice-grid.three, .field-row { grid-template-columns: 1fr; }
  .choice > span { min-height: 82px; }
  .choice.compact > span { min-height: 58px; }
  .form-actions { align-items: stretch; flex-direction: column-reverse; }
  .form-actions .button { width: 100%; }
  .magnet-panel { padding: 30px 22px; }
  .magnet-panel .button, .final-cta .button { width: 100%; }
  .footer-grid { flex-direction: column; }
}

@media (max-width: 480px) {
  .container {
    width: 100%;
    padding-left: max(16px, env(safe-area-inset-left));
    padding-right: max(16px, env(safe-area-inset-right));
  }
  .section { padding: 60px 0; }
  .header-inner { min-height: 60px; }
  .brand { font-size: .94rem; }

  .hero-grid { padding: 28px 0 40px; }
  .hero .container {
    padding-left: max(24px, env(safe-area-inset-left));
    padding-right: max(24px, env(safe-area-inset-right));
  }
  h1 {
    margin-bottom: 22px;
    font-size: clamp(1.6rem, 8vw, 2.35rem);
    line-height: 1.08;
    letter-spacing: -.03em;
  }
  h2 { font-size: clamp(1.85rem, 9vw, 2.35rem); line-height: 1.08; }
  h3 { font-size: 1.15rem; }
  .hero-lead { margin-bottom: 26px; font-size: 1rem; line-height: 1.65; }
  .hero-benefits { gap: 10px; margin-bottom: 26px; }
  .hero-benefits li {
    grid-template-columns: 36px 1fr;
    gap: 12px;
    padding: 15px 14px;
    border-top-width: 3px;
    border-radius: 14px;
  }
  .hero-benefits strong { font-size: .98rem; }
  .check-icon { width: 36px; height: 36px; border-radius: 11px; }
  .button { width: 100%; min-height: 56px; padding: 10px 17px; }
  .microcopy { font-size: .75rem; line-height: 1.45; }

  .section-heading { margin-bottom: 34px; text-align: left; }
  .section-heading .eyebrow { justify-content: flex-start; }
  .section-heading > p:last-child { font-size: 1rem; }
  .eyebrow { margin-bottom: 16px; font-size: .7rem; line-height: 1.4; }
  .eyebrow span { width: 20px; }
  .decision-grid { gap: 12px; }
  .decision-card,
  .decision-card:last-child {
    min-height: 0;
    padding: 24px 22px;
  }
  .card-number { margin-bottom: 20px; }

  .process-layout, .adviser-grid, .check-layout, .faq-layout { gap: 34px; }
  blockquote { margin-top: 30px; font-size: 1.12rem; }
  .process-steps li { grid-template-columns: 38px 1fr; gap: 13px; padding: 0 0 28px; }
  .process-steps::before { left: 18px; }
  .process-steps li > span { width: 38px; height: 38px; }
  .process-steps p { font-size: .86rem; }
  .process-quote { padding: 22px 18px; }
  .process-quote blockquote { margin-top: 0; font-size: 1.02rem; }

  .adviser-portrait { min-height: 0; aspect-ratio: 4 / 5; }
  .adviser-copy > p:not(.eyebrow) { font-size: 1rem; }
  .plain-list { margin: 22px 0 26px; }
  .disclosure { grid-template-columns: 20px 1fr; gap: 10px; padding: 14px; }
  .disclosure svg { width: 20px; }

  .reviews-heading { margin-bottom: 26px; }
  .reviews-grid { gap: 12px; }
  .review-card,
  .review-card-featured { min-height: 0; padding: 23px 20px; }
  .review-card blockquote { font-size: 1rem; }

  .checker { padding: 22px 16px; box-shadow: 0 16px 45px rgba(16, 37, 99, .11); }
  .checker-progress { margin-bottom: 23px; }
  .check-step legend { font-size: 1.3rem; }
  .choice-grid, .choice-grid.three { gap: 10px; }
  .choice > span { min-height: 72px; padding: 16px; }
  .field { font-size: .9rem; }
  .field input, .field select { min-height: 54px; font-size: 16px; }
  .contact-group { padding: 16px 14px 0; }
  .field-requirement { font-size: .82rem; }
  .consent { font-size: .78rem; line-height: 1.5; }
  .result-card { padding: 22px 18px; }
  .result-step .form-actions { margin-top: 20px; }

  .checklist-main { padding: 30px 0; }
  .checklist-sheet { padding: 32px 20px; border-radius: 16px; }
  .checklist-items [role="listitem"] { padding: 20px 17px 20px 62px; }
  .checklist-items .item-number { left: 15px; top: 19px; }
  .report-section { margin-top: 42px; padding-top: 36px; }
  .traffic-light article { grid-template-columns: 1fr; gap: 12px; }
  .traffic-light article > span { justify-self: start; min-width: 70px; padding: 0 12px; }
  .report-conclusion { padding: 28px 20px; }

  .lead-magnet-section { padding: 56px 0; }
  .magnet-panel { gap: 26px; padding: 26px 18px; border-radius: 18px; }
  .faq-section { padding-top: 60px; }
  .faq-list summary { padding: 19px 34px 19px 0; line-height: 1.4; }
  .faq-list details p { padding-right: 8px; }
  .final-cta { padding: 58px 0; }
  .final-cta-inner { gap: 28px; }
  .site-footer { padding: 38px 0 calc(28px + env(safe-area-inset-bottom)); }
  .footer-grid nav { gap: 14px 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

@media print {
  .checklist-header, .checklist-actions { display: none; }
  .checklist-main { padding: 0; }
  .checklist-sheet { max-width: none; padding: 0; box-shadow: none; }
  .checklist-items { gap: 10px; }
  .checklist-items [role="listitem"] { break-inside: avoid; }
}