:root{
  --navy:#0B1F3A; --navy-2:#13294B; --navy-3:#1C3560; --teal:#20B2A6; --teal-dark:#14857C; --teal-soft:#E6F6F4;
  --ink:#0B1F3A; --text:#2A3A52; --muted:#5B6B82; --line:#DDE3EC; --bg:#FFFFFF; --tint:#F4F6F9;
  --radius:12px; --shadow:0 1px 2px rgba(11,31,58,.06),0 8px 24px rgba(11,31,58,.06);
  --head:"Montserrat",system-ui,-apple-system,"Segoe UI",sans-serif; --body:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
}
@font-face{font-family:"Montserrat";src:url("assets/fonts/montserrat.woff2") format("woff2");font-weight:100 900;font-display:swap}
@font-face{font-family:"Inter";src:url("assets/fonts/inter.woff2") format("woff2");font-weight:100 900;font-display:swap}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--body);font-size:17px;line-height:1.6;color:var(--text);background:var(--bg);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dark)}
h1,h2,h3{font-family:var(--head);color:var(--ink);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
p{margin:0 0 1em}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:4px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}
.brand img{height:44px;width:auto}
.nav{display:flex;align-items:center;gap:28px}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:15px}
.nav a:not(.btn):hover{color:var(--teal-dark)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--head);font-weight:700;font-size:16px;letter-spacing:.01em;text-decoration:none;border-radius:8px;padding:14px 24px;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s;line-height:1.2}
.btn-sm{padding:9px 16px;font-size:14px;background:var(--navy);color:#fff!important}
.btn-sm:hover{background:var(--navy-3)}
.btn-teal{background:var(--teal);color:var(--navy)}
.btn-teal:hover{background:#2CC5B8}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-block{width:100%}

/* hero */
.hero{background:var(--navy);color:#C9D4E5;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:48px 48px;mask-image:linear-gradient(90deg,transparent,#000 70%);-webkit-mask-image:linear-gradient(90deg,transparent,#000 70%)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.25fr 1fr;gap:56px;align-items:center;padding-top:96px;padding-bottom:104px}
.eyebrow{font-family:var(--head);font-size:13px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--teal-dark);margin-bottom:14px}
.hero .eyebrow,.eyebrow-light{color:var(--teal)}
.hero h1{color:#fff;font-size:clamp(36px,5vw,58px);font-weight:800;letter-spacing:-.02em;margin-bottom:22px}
.dot{display:inline-block;width:.2em;height:.2em;background:var(--teal);margin-left:.08em;vertical-align:baseline}
.lede{font-size:19px;line-height:1.65;max-width:600px;color:#C9D4E5}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.hero-panel{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:28px}
.panel-title{font-family:var(--head);font-weight:700;color:#fff;font-size:15px;letter-spacing:.04em;margin-bottom:18px}
.flow{list-style:none;margin:0;padding:0;display:grid;gap:4px}
.flow li{display:flex;gap:16px;align-items:flex-start;padding:14px 0;border-top:1px solid rgba(255,255,255,.1)}
.flow li:first-child{border-top:0}
.flow-n{font-family:var(--head);font-weight:800;color:var(--teal);font-size:14px;min-width:28px;padding-top:2px}
.flow strong{display:block;color:#fff;font-family:var(--head);font-weight:700;font-size:17px}
.flow span{font-size:15px;color:#A9B7CC}

/* audiences */
.audiences{background:var(--tint);border-bottom:1px solid var(--line)}
.audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding-top:0;padding-bottom:56px;transform:translateY(-40px);margin-bottom:-40px}
.audience{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;text-decoration:none;color:var(--text);box-shadow:var(--shadow);border-top:4px solid var(--teal);transition:transform .15s,box-shadow .15s}
.audience:hover{transform:translateY(-2px);box-shadow:0 2px 4px rgba(11,31,58,.08),0 16px 32px rgba(11,31,58,.10)}
.audience h2{font-size:28px;font-weight:800;margin:8px 0 10px}
.tag{font-family:var(--head);font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.arrow{font-family:var(--head);font-weight:700;color:var(--teal-dark);font-size:15px}

/* sections */
.section{padding:96px 0}
.section-tint{background:var(--tint)}
.section-navy{background:var(--navy);color:#C9D4E5}
.section-navy h2,.section-navy h3{color:#fff}
.section-title{font-size:clamp(28px,3.6vw,42px);font-weight:800;max-width:880px}
.section-lede{font-size:19px;color:var(--muted);max-width:680px;margin-bottom:44px}
.section-navy .section-lede{color:#A9B7CC}

.how-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.how-col{border:1px solid var(--line);border-radius:var(--radius);padding:36px;background:#fff}
.how-col h3{font-size:22px;font-weight:800;display:flex;align-items:center;gap:12px;margin-bottom:24px}
.sq{width:12px;height:12px;background:var(--teal);flex:none}
.steps{list-style:none;counter-reset:s;margin:0;padding:0}
.steps li{counter-increment:s;position:relative;padding:0 0 22px 52px;font-size:16px}
.steps li:last-child{padding-bottom:0}
.steps li::before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:8px;background:var(--navy);color:#fff;font-family:var(--head);font-weight:700;font-size:13px;display:grid;place-items:center}
.steps li::after{content:"";position:absolute;left:17px;top:42px;bottom:6px;width:2px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps strong{display:block;color:var(--ink);font-family:var(--head);font-size:17px;margin-bottom:2px}

.types{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.types li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;position:relative}
.types li::before{content:"";display:block;width:28px;height:4px;background:var(--teal);margin-bottom:18px}
.types h3{font-size:18px;font-weight:700;margin-bottom:8px}
.types p{font-size:15px;color:var(--muted);margin:0}
.note{margin-top:32px;color:var(--muted)}

.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);overflow:hidden}
.trust-grid article{background:var(--navy);padding:34px 30px}
.trust-grid h3{font-size:19px;font-weight:700;margin-bottom:10px;display:flex;align-items:center;gap:10px}
.trust-grid h3::before{content:"";width:10px;height:10px;background:var(--teal);flex:none}
.trust-grid p{font-size:15.5px;margin:0;color:#B5C2D6}

.faq details{border-bottom:1px solid var(--line)}
.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-family:var(--head);font-weight:700;font-size:18px;color:var(--ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:12px;height:12px;border-right:2.5px solid var(--teal-dark);border-bottom:2.5px solid var(--teal-dark);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details p{padding:0 0 22px;margin:0;color:var(--text)}

/* form */
.form-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.form-intro .section-title{font-size:clamp(28px,3.2vw,38px)}
.small{font-size:14.5px;color:var(--muted);border-left:3px solid var(--teal);padding-left:14px;margin-top:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:36px}
.form fieldset{border:0;margin:0 0 24px;padding:0}
.form legend{font-family:var(--head);font-weight:700;color:var(--ink);margin-bottom:12px;font-size:15px}
.path-choice{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.path-choice legend{grid-column:1/-1}
.path{position:relative;cursor:pointer}
.path input{position:absolute;opacity:0;width:1px;height:1px}
.path span{display:block;border:2px solid var(--line);border-radius:10px;padding:14px 16px;transition:border-color .15s,background .15s}
.path strong{display:block;font-family:var(--head);color:var(--ink);font-size:16px}
.path small{color:var(--muted);font-size:14px}
.path input:checked+span{border-color:var(--teal);background:var(--teal-soft)}
.path input:focus-visible+span{outline:3px solid var(--teal);outline-offset:2px}
.row.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{margin-bottom:18px;min-width:0}
.field label{display:block;font-weight:600;font-size:14.5px;color:var(--ink);margin-bottom:6px}
.req{color:var(--teal-dark)}
.opt{color:var(--muted);font-weight:400}
input,select,textarea{width:100%;font:inherit;font-size:16px;color:var(--ink);background:#fff;border:1.5px solid #C8D1DE;border-radius:8px;padding:11px 13px;transition:border-color .15s,box-shadow .15s}
textarea{resize:vertical;min-height:120px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(32,178,166,.22)}
.invalid{border-color:#C2410C!important}
.hint{font-size:13.5px;color:var(--muted);margin:6px 0 0}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;margin:6px 0 22px;cursor:pointer}
.consent input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--teal-dark)}
.form-error{background:#FFF4ED;border:1px solid #F5C6A8;color:#9A3412;border-radius:8px;padding:10px 14px;font-size:14.5px}
.form-done{text-align:left}
.done-mark{display:block;width:16px;height:16px;background:var(--teal);margin-bottom:18px}
.form-done h3{font-size:22px}
button[disabled]{opacity:.7;cursor:wait}

/* footer */
.site-footer{background:var(--navy);color:#A9B7CC;padding:64px 0 28px}
.footer-inner{display:flex;justify-content:space-between;gap:48px;flex-wrap:wrap}
.footer-brand{max-width:400px}
.footer-brand img{height:48px;width:auto;margin-bottom:18px}
.footer-brand p{font-size:15px}
.footer-nav{display:grid;grid-template-columns:repeat(2,auto);gap:10px 48px;align-content:start}
.footer-nav a{color:#DCE4F0;text-decoration:none;font-size:15px}
.footer-nav a:hover{color:var(--teal)}
.footer-base{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-top:44px;padding-top:22px;font-size:13.5px;position:relative}
.footer-base::before{content:"";position:absolute;left:24px;right:24px;top:0;border-top:1px solid rgba(255,255,255,.12)}
.footer-base p{margin:0}

/* legal */
.legal{padding:56px 0 96px}
.legal h1{font-size:clamp(32px,4vw,44px);font-weight:800}
.legal h2{font-size:21px;font-weight:700;margin-top:36px}
.legal ul{padding-left:22px}
.legal li{margin-bottom:6px}
.updated{color:var(--muted);font-size:15px}
.draft-banner{background:#FFF8E6;border:1px solid #F0D58C;color:#6B4E00;border-radius:10px;padding:12px 16px;font-size:15px;margin-bottom:32px}

/* responsive */
@media (max-width:1000px){
  .types{grid-template-columns:repeat(2,1fr)}
  .trust-grid{grid-template-columns:repeat(2,1fr)}
  .nav a:not(.btn){display:none}
}
@media (max-width:860px){
  .hero-grid{grid-template-columns:1fr;gap:40px;padding-top:64px;padding-bottom:88px}
  .how-grid,.form-wrap,.audience-grid{grid-template-columns:1fr}
  .form-wrap{gap:28px}
  .audience-grid{transform:none;margin-bottom:0;padding-top:32px}
  .section{padding:72px 0}
}
@media (max-width:560px){
  .wrap.footer-base::before{left:20px;right:20px}
  body{font-size:16px}
  .wrap{padding:0 20px}
  .header-inner{min-height:64px}
  .brand img{height:38px}
  .btn-sm{padding:8px 12px;font-size:13px}
  .hero-grid{padding-top:48px;padding-bottom:60px}
  .audience-grid{padding-top:28px;padding-bottom:44px}
  .lede{font-size:17px}
  .hero-ctas .btn{flex:1 1 100%}
  .hero-panel{padding:22px}
  .audience{padding:26px 22px}
  .audience h2{font-size:24px}
  .section{padding:60px 0}
  .section-lede{font-size:17px;margin-bottom:32px}
  .how-col{padding:26px 20px}
  .types,.trust-grid{grid-template-columns:1fr}
  .trust-grid article{padding:26px 22px}
  .card{padding:24px 20px}
  .row.two{grid-template-columns:1fr;gap:0}
  .path-choice{gap:10px}
  .path span{padding:12px}
  .faq summary{font-size:16.5px}
  .footer-nav{grid-template-columns:repeat(2,1fr);gap:10px 24px}
}

.steps-grid{max-width:760px}

/* referral (v4) */
.refer-steps{list-style:none;padding:0;margin:26px 0 0;counter-reset:rs;display:grid;gap:14px}
.refer-steps li{counter-increment:rs;position:relative;padding-left:44px;color:var(--text);font-size:16px}
.refer-steps li::before{content:counter(rs,decimal-leading-zero);position:absolute;left:0;top:1px;font-family:var(--head);font-weight:800;font-size:13px;letter-spacing:.06em;color:var(--teal-dark);background:var(--teal-soft);border-radius:6px;padding:3px 6px}
.refer-steps strong{color:var(--ink)}
.form-refer{border-top:4px solid var(--teal)}
.form-label{font-family:var(--head);font-weight:700;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dark);margin:0 0 18px}
.form-label span{color:var(--muted);letter-spacing:.04em;text-transform:none;font-family:var(--body);font-weight:500;font-size:13px}
.form fieldset{border:0;padding:0;margin:0 0 6px;min-width:0}
.form legend{font-family:var(--head);font-weight:700;font-size:16px;color:var(--ink);padding:0;margin:0 0 12px}
.form fieldset + fieldset{border-top:1px solid var(--line);padding-top:18px;margin-top:4px}
.form legend{float:left;width:100%}
.form legend + *{clear:both}
.nav a.nav-refer{font-weight:600;color:var(--teal-dark)}
@media (max-width:1000px){ .nav a.nav-refer{display:inline} }
@media (max-width:560px){ .nav{gap:14px} .nav a.nav-refer{font-size:14px} .nav a.nav-refer .long{display:none} }
.show-sm{display:none}
@media (max-width:560px){ .btn-sm .hide-sm{display:none} .btn-sm .show-sm{display:inline} }

.risk-summary{background:#0B1F3A;color:#fff;border-left:5px solid var(--teal);border-radius:10px;padding:16px 18px;font-size:17px;line-height:1.5;margin:8px 0 28px}
.risk-summary strong{color:#fff}
.disclaimer{border:2px solid #0B1F3A;border-radius:14px;padding:4px 22px 18px;margin:36px 0 8px;background:var(--tint)}
.disclaimer h2{margin-top:22px}
.disclaimer h3{font-size:17px;font-weight:700;margin:22px 0 6px}
.form-terms{font-size:13px;color:var(--muted);margin:4px 0 10px;text-align:center}
.form-terms a{color:inherit;text-decoration:underline}
@media (max-width:600px){.disclaimer{padding:2px 16px 14px}.risk-summary{font-size:16px}}

/* v6: referral-only positioning */
.hero-note{margin:18px 0 0;max-width:600px;font-size:16px;line-height:1.55;color:#E3EAF4;border-left:3px solid var(--teal);padding:4px 0 4px 14px}
.hero-note strong{color:#fff}
.statement-band{background:var(--teal-soft);border-bottom:1px solid var(--line)}
.statement{margin:0;padding:22px 0;font-size:16px;line-height:1.6;color:var(--text);max-width:980px}
.statement strong{color:var(--ink)}
.statement a{color:var(--teal-dark);font-weight:600;white-space:nowrap}
@media (max-width:600px){.statement{padding:18px 0;font-size:15px}.hero-note{font-size:15px}}
.legal-callout{background:var(--teal-soft);border:1px solid #BFE6E1;border-radius:10px;padding:14px 18px;margin:0 0 20px;color:var(--ink);font-size:16px;line-height:1.55}