:root{
  --ink:#16302C;      /* deep teal ink */
  --ink-2:#2B4A45;
  --paper:#F4F7F6;    /* cool off-white */
  --white:#FFFFFF;
  --gold:#E5A11A;     /* marigold accent */
  --gold-soft:#FCF1D8;
  --text:#1B2422;
  --muted:#5E6E69;
  --line:#D6DFDC;
  --ok:#2E7D5B;
  --err:#B3261E;
  --radius-lg:22px; --radius-sm:10px;
  --display:"Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --body:"Atkinson Hyperlegible", "Segoe UI", system-ui, -apple-system, sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);font:400 1.0625rem/1.6 var(--body);-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--ink);text-underline-offset:3px}
a:hover{color:var(--ink-2)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.narrow{max-width:760px}

/* header */
.site-header{background:var(--white);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font:700 1.3rem/1 var(--display);letter-spacing:-.01em}
.brand svg{flex:none}
.nav{display:flex;gap:22px;align-items:center}
.nav a{text-decoration:none;font-weight:700;font-size:.98rem;color:var(--ink-2)}
.nav a:hover{text-decoration:underline}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;cursor:pointer;
  font:700 1.08rem/1 var(--body);padding:18px 30px;border-radius:999px;text-decoration:none;transition:background .15s, transform .15s}
.btn-primary{background:var(--gold);color:var(--ink)}
.btn-primary:hover{background:#D4930F;color:var(--ink)}
.btn-primary:active{transform:translateY(1px)}
.btn-ghost{background:transparent;color:var(--ink);border:2px solid var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--white)}
.btn[disabled]{opacity:.45;cursor:not-allowed}
.btn-sm{padding:12px 20px;font-size:.98rem}

/* hero */
.hero{background:var(--ink);color:var(--white);position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:88px}
.hero h1{font:800 clamp(2.4rem,5.4vw,4.1rem)/1.02 var(--display);letter-spacing:-.025em;margin:0 0 22px;max-width:14ch}
.hero p.lead{font-size:1.2rem;line-height:1.55;color:#D3E1DD;max-width:46ch;margin:0 0 34px}
.hero .fine{font-size:.88rem;color:#9FB8B2;margin-top:18px}
.hero-list{background:var(--white);color:var(--text);border-radius:var(--radius-lg);padding:28px 28px 22px;
  box-shadow:0 30px 60px -30px rgba(0,0,0,.55);transform:rotate(1.2deg)}
.hero-list h2{font:700 1.05rem/1.2 var(--display);margin:0 0 14px;color:var(--muted)}
.hero-list ul{list-style:none;margin:0;padding:0}
.hero-list li{display:flex;align-items:center;gap:14px;padding:14px 0;border-top:1px dashed var(--line);font-weight:700;font-size:1.08rem}
.hero-list li:first-child{border-top:0}
.tick{width:28px;height:28px;border-radius:8px;background:var(--gold-soft);display:grid;place-items:center;flex:none}
.hero-list .total{display:flex;justify-content:space-between;align-items:baseline;margin-top:8px;padding-top:14px;border-top:2px solid var(--ink)}
.hero-list .total span{color:var(--muted);font-size:.92rem}
.hero-list .total strong{font:800 1.6rem/1 var(--display);color:var(--ink)}

/* sections */
section.block{padding:84px 0}
section.block.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2.title{font:800 clamp(1.8rem,3.4vw,2.5rem)/1.1 var(--display);letter-spacing:-.02em;margin:0 0 14px;color:var(--ink)}
p.sub{color:var(--muted);max-width:60ch;margin:0 0 44px;font-size:1.1rem}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:36px;counter-reset:s;list-style:none;margin:0;padding:0}
.steps li{counter-increment:s;border-top:3px solid var(--ink);padding-top:20px}
.steps li::before{content:counter(s);font:800 3rem/1 var(--display);color:var(--gold);display:block;margin-bottom:10px}
.steps h3{font:700 1.25rem/1.25 var(--display);margin:0 0 8px;color:var(--ink)}
.steps p{margin:0;color:var(--muted)}

.cats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.cat{background:var(--paper);border-radius:var(--radius-sm);padding:24px 22px;border:1px solid var(--line)}
.cat svg{margin-bottom:14px}
.cat h3{font:700 1.15rem/1.25 var(--display);margin:0 0 6px;color:var(--ink)}
.cat p{margin:0;color:var(--muted);font-size:.98rem}

.faq details{border-bottom:1px solid var(--line);padding:20px 0}
.faq summary{cursor:pointer;font:700 1.15rem/1.35 var(--display);color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--gold)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:12px 0 0;color:var(--muted);max-width:68ch}

.cta-band{background:var(--gold);padding:64px 0}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta-band h2{font:800 clamp(1.6rem,3vw,2.2rem)/1.1 var(--display);margin:0;color:var(--ink);max-width:22ch}
.cta-band .btn-primary{background:var(--ink);color:var(--white)}
.cta-band .btn-primary:hover{background:var(--ink-2);color:var(--white)}

/* checker */
.checker{display:none;padding:56px 0 96px}
body.checking .checker{display:block}
body.checking .marketing{display:none}
.panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:40px;max-width:680px;margin:0 auto;box-shadow:0 24px 50px -36px rgba(22,48,44,.45)}
.progress{display:flex;gap:6px;margin-bottom:30px}
.progress span{height:6px;flex:1;border-radius:6px;background:var(--line);transition:background .25s}
.progress span.on{background:var(--gold)}
.step-count{color:var(--muted);font-size:.92rem;font-weight:700;margin:0 0 8px}
.q{display:none}
.q.active{display:block;animation:in .25s ease}
@keyframes in{from{opacity:0;transform:translateX(12px)}to{opacity:1;transform:none}}
.q h2{font:800 clamp(1.5rem,3vw,2rem)/1.15 var(--display);margin:0 0 24px;color:var(--ink);letter-spacing:-.015em}
.q .hint{color:var(--muted);margin:-14px 0 22px}
.options{display:grid;gap:12px}
.options.two{grid-template-columns:1fr 1fr}
.opt{position:relative}
.opt input{position:absolute;opacity:0;pointer-events:none}
.opt label{display:flex;align-items:center;gap:14px;padding:18px 20px;border:2px solid var(--line);border-radius:var(--radius-sm);cursor:pointer;font-weight:700;font-size:1.08rem;background:var(--white);transition:border-color .12s, background .12s}
.opt label:hover{border-color:var(--ink-2)}
.opt input:checked + label{border-color:var(--ink);background:var(--gold-soft)}
.opt input:focus-visible + label{outline:3px solid var(--gold);outline-offset:2px}
.box{width:22px;height:22px;border:2px solid var(--muted);border-radius:6px;flex:none;display:grid;place-items:center}
.opt input[type=radio] + label .box{border-radius:50%}
.opt input:checked + label .box{border-color:var(--ink);background:var(--ink)}
.opt input:checked + label .box::after{content:"";width:8px;height:8px;border-radius:2px;background:var(--gold)}
select,input[type=tel],input[type=text],input[type=email],textarea{
  width:100%;font:400 1.1rem/1.4 var(--body);padding:16px 18px;border:2px solid var(--line);border-radius:var(--radius-sm);background:var(--white);color:var(--text)}
select:focus,input:focus,textarea:focus{border-color:var(--ink);outline:none;box-shadow:0 0 0 3px var(--gold-soft)}
.nav-row{display:flex;justify-content:space-between;align-items:center;margin-top:30px;gap:12px}
.back{background:none;border:0;font:700 1rem var(--body);color:var(--muted);cursor:pointer;padding:10px 4px}
.back:hover{color:var(--ink)}
.err-msg{color:var(--err);font-weight:700;font-size:.95rem;margin:12px 0 0;min-height:1.2em}

.loading{text-align:center;padding:30px 0}
.spinner{width:46px;height:46px;border:5px solid var(--line);border-top-color:var(--gold);border-radius:50%;margin:0 auto 20px;animation:spin .9s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

.result-amount{background:var(--ink);color:var(--white);border-radius:var(--radius-sm);padding:26px 28px;margin:0 0 22px}
.result-amount small{display:block;color:#B8CEC8;font-size:.98rem;margin-bottom:4px}
.result-amount strong{font:800 clamp(2.6rem,7vw,3.6rem)/1 var(--display);letter-spacing:-.02em;color:var(--gold)}
.summary{list-style:none;padding:0;margin:0 0 24px;border-top:1px solid var(--line)}
.summary li{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--line);font-size:.98rem}
.summary li span:first-child{color:var(--muted)}
.summary li span:last-child{font-weight:700;text-align:right}
.optin{margin-top:28px;padding-top:28px;border-top:2px dashed var(--line)}
.optin h3{font:800 1.4rem/1.2 var(--display);margin:0 0 6px;color:var(--ink)}
.optin p{margin:0 0 18px;color:var(--muted)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;margin-bottom:6px}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.86rem;line-height:1.5;color:var(--muted);margin:16px 0 20px}
.consent input{width:20px;height:20px;margin-top:2px;flex:none;accent-color:var(--ink)}
.disclaim{font-size:.82rem;color:var(--muted);line-height:1.5;margin-top:22px}
.done{text-align:center;padding:10px 0}
.done .check{width:64px;height:64px;border-radius:50%;background:var(--gold-soft);display:grid;place-items:center;margin:0 auto 18px}

/* legal / contact */
.page-head{background:var(--ink);color:var(--white);padding:56px 0 48px}
.page-head h1{font:800 clamp(2rem,4.5vw,3rem)/1.05 var(--display);margin:0 0 8px;letter-spacing:-.02em}
.page-head p{margin:0;color:#B8CEC8}
.legal{padding:56px 0 88px}
.legal h2{font:700 1.4rem/1.25 var(--display);color:var(--ink);margin:40px 0 10px}
.legal h3{font:700 1.1rem/1.3 var(--display);color:var(--ink);margin:26px 0 6px}
.legal p,.legal li{max-width:72ch}
.legal ul{padding-left:1.2em}
.contact-grid{display:grid;grid-template-columns:1fr 1.3fr;gap:48px;padding:56px 0 88px}
.contact-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);padding:28px}
.contact-card h2{font:700 1.2rem/1.2 var(--display);margin:0 0 12px;color:var(--ink)}
.contact-card p{margin:0 0 14px}

/* footer */
.site-footer{background:#0F2320;color:#B8CEC8;padding:56px 0 40px;font-size:.92rem}
.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:36px}
.site-footer a{color:#E3ECE9}
.site-footer h4{font:700 1rem var(--display);color:var(--white);margin:0 0 10px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px}
.site-footer .brand{color:var(--white);margin-bottom:12px}
.site-footer .legal-note{border-top:1px solid #2A403C;padding-top:22px;line-height:1.55;max-width:none}

@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr;padding-top:56px;padding-bottom:64px;gap:40px}
  .hero-list{transform:none}
  .steps{grid-template-columns:1fr;gap:28px}
  .cats{grid-template-columns:1fr 1fr}
  .contact-grid{grid-template-columns:1fr}
  .site-footer .cols{grid-template-columns:1fr}
}
@media (max-width:560px){
  .nav a.hide-sm{display:none}
  .cats{grid-template-columns:1fr}
  .options.two{grid-template-columns:1fr}
  .panel{padding:26px 20px}
  section.block{padding:60px 0}
  .btn{width:100%}
  .nav .btn{width:auto}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}