:root {
  --navy: #102a43;
  --blue: #176b87;
  --aqua: #31b7aa;
  --gold: #e9aa3a;
  --ink: #16303d;
  --muted: #657781;
  --paper: #f3f6f4;
  --white: #ffffff;
  --line: #d7e2e2;
  --soft: #e7f1f0;
  --danger: #8b3029;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 16px/1.55 Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;
}

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

button,
input,
select {
  font: inherit;
}

[hidden] {
  display: none !important;
}

.skip-link {
  position: fixed;
  left: 12px;
  top: -60px;
  z-index: 100;
  padding: 10px 14px;
  border-radius: 8px;
  background: var(--navy);
  color: var(--white);
}

.skip-link:focus {
  top: 12px;
}

.nav {
  position: sticky;
  top: 0;
  z-index: 10;
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 10px max(24px, calc((100vw - 1160px) / 2));
  border-bottom: 1px solid var(--line);
  background: var(--white);
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  letter-spacing: .06em;
  text-decoration: none;
}

.brand > span {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border-radius: 11px;
  background: var(--navy);
  color: var(--white);
  letter-spacing: 0;
}

.brand small {
  color: var(--muted);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 20px;
}

.nav-links > a {
  color: var(--ink);
  font-weight: 700;
  text-decoration: none;
}

.nav-links .nav-cta {
  padding: 10px 15px;
  border-radius: 9px;
  background: var(--navy);
  color: var(--white);
}

.hero {
  max-width: 1160px;
  margin: auto;
  padding: 76px 24px 54px;
  display: grid;
  grid-template-columns: 1.18fr .82fr;
  gap: 68px;
  align-items: center;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--blue);
  font-size: 12px;
  font-weight: 850;
  letter-spacing: .13em;
  text-transform: uppercase;
}

.hero h1 {
  margin: 0 0 22px;
  color: var(--navy);
  font-size: clamp(44px, 6vw, 72px);
  line-height: 1.02;
  letter-spacing: -.055em;
}

.lede {
  max-width: 720px;
  color: var(--muted);
  font-size: 20px;
}

.button {
  min-height: 50px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border: 0;
  border-radius: 10px;
  background: var(--blue);
  color: var(--white);
  cursor: pointer;
  font-weight: 800;
  text-decoration: none;
}

.button:hover {
  filter: brightness(.95);
}

.button:focus-visible,
input:focus-visible,
select:focus-visible,
a:focus-visible {
  outline: 3px solid rgba(49, 183, 170, .42);
  outline-offset: 2px;
}

.button:disabled {
  cursor: wait;
  opacity: .66;
}

.button.secondary {
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--ink);
}

.button.light {
  width: 100%;
  background: var(--white);
  color: var(--navy);
}

.micro {
  color: var(--muted);
  font-size: 12px;
}

.purpose-card {
  padding: 30px;
  border-radius: 24px;
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 24px 70px rgba(16, 42, 67, .18);
}

.purpose-card .eyebrow {
  color: #75d8d0;
}

.purpose-card h2 {
  margin: 4px 0 20px;
  font-size: 30px;
  line-height: 1.12;
}

.hero-list {
  margin: 0 0 24px;
  padding: 0;
  display: grid;
  gap: 13px;
  list-style: none;
}

.hero-list li {
  position: relative;
  padding-left: 28px;
  font-weight: 700;
}

.hero-list li::before {
  position: absolute;
  left: 0;
  color: #75d8d0;
  content: "✓";
}

.trust-strip {
  max-width: 1160px;
  margin: 0 auto 70px;
  padding: 0 24px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.trust-strip div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 18px;
  border: 1px solid var(--line);
  background: var(--white);
}

.trust-strip div:first-child {
  border-radius: 12px 0 0 12px;
}

.trust-strip div:last-child {
  border-radius: 0 12px 12px 0;
}

.trust-strip strong {
  width: 30px;
  height: 30px;
  display: grid;
  flex: 0 0 30px;
  place-items: center;
  border-radius: 50%;
  background: var(--soft);
  color: var(--blue);
}

.form-shell {
  max-width: 920px;
  margin: 0 auto 84px;
  padding: 38px;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: var(--white);
  box-shadow: 0 28px 80px rgba(16, 42, 67, .1);
  scroll-margin-top: 96px;
}

.form-intro {
  max-width: 660px;
  margin: auto;
  text-align: center;
}

.form-intro h2,
.explain h2 {
  margin: 5px 0;
  font-size: clamp(32px, 4vw, 48px);
  line-height: 1.08;
  letter-spacing: -.04em;
}

.form-intro p {
  color: var(--muted);
}

.progress {
  display: flex;
  gap: 8px;
  margin: 30px 0 6px;
}

.progress span {
  height: 6px;
  flex: 1;
  border-radius: 9px;
  background: var(--line);
}

.progress span.active {
  background: var(--aqua);
}

.step-status {
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 750;
  text-align: right;
}

.step h3,
.result h3 {
  color: var(--navy);
  font-size: 26px;
}

.choice-grid {
  margin: 0 0 20px;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  border: 0;
}

.choice-grid input {
  position: absolute;
  opacity: 0;
}

.choice-grid span {
  min-height: 62px;
  display: grid;
  place-items: center;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 11px;
  cursor: pointer;
  font-weight: 750;
  text-align: center;
}

.choice-grid input:checked + span {
  border-color: var(--blue);
  background: #f2fbfb;
  box-shadow: 0 0 0 3px rgba(23, 107, 135, .13);
}

.choice-grid input:focus-visible + span {
  outline: 3px solid rgba(49, 183, 170, .42);
  outline-offset: 2px;
}

.fields.two {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 15px;
}

.field {
  display: grid;
  gap: 7px;
  margin-bottom: 15px;
  font-size: 13px;
  font-weight: 750;
}

.field input,
.field select {
  width: 100%;
  min-height: 52px;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--white);
  color: var(--ink);
}

.field input[aria-invalid="true"],
.field select[aria-invalid="true"] {
  border-color: var(--danger);
}

.honeypot {
  position: absolute !important;
  left: -10000px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

.consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 12px 0;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 10px;
  font-size: 12px;
}

.consent.optional {
  background: #f7f9f8;
}

.consent input {
  margin-top: 4px;
}

.form-legal {
  color: var(--muted);
  font-size: 12px;
}

.actions {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 20px;
}

.error {
  margin-top: 15px;
  padding: 12px;
  border-radius: 9px;
  background: #fff0ed;
  color: var(--danger);
}

.result {
  padding: 30px;
  border-radius: 16px;
  background: var(--soft);
}

.result-note {
  margin: 22px 0;
  padding: 16px;
  display: grid;
  gap: 4px;
  border-left: 4px solid var(--gold);
  background: var(--white);
}

.explain {
  max-width: 1160px;
  margin: 0 auto 80px;
  padding: 0 24px;
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: 70px;
  scroll-margin-top: 96px;
}

.cards {
  display: grid;
  gap: 12px;
}

.cards article {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
}

.cards p {
  margin-bottom: 0;
  color: var(--muted);
}

footer {
  padding: 34px max(24px, calc((100vw - 1160px) / 2));
  display: grid;
  grid-template-columns: .7fr 1.6fr auto;
  align-items: start;
  gap: 30px;
  background: var(--navy);
  color: #d9e7e9;
}

footer p {
  margin: 4px 0;
  max-width: 800px;
}

footer nav {
  display: grid;
  gap: 8px;
}

footer a {
  color: var(--white);
}

.legal-main {
  max-width: 840px;
  min-height: calc(100vh - 280px);
  margin: 48px auto 80px;
  padding: 0 24px;
}

.legal-card {
  padding: clamp(24px, 5vw, 52px);
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: 0 20px 60px rgba(16, 42, 67, .08);
}

.legal-card h1 {
  margin: 0 0 8px;
  color: var(--navy);
  font-size: clamp(38px, 6vw, 58px);
  letter-spacing: -.045em;
}

.legal-card h2 {
  margin-top: 30px;
  color: var(--navy);
  font-size: 23px;
}

.legal-card li {
  margin-bottom: 8px;
}

.document-status {
  margin-bottom: 24px;
  padding: 12px 14px;
  border-left: 4px solid var(--gold);
  background: #fff8e8;
  color: #604716;
  font-size: 14px;
}

.effective-date {
  color: var(--muted);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

@media (max-width: 760px) {
  .nav {
    min-height: 68px;
    padding: 8px 16px;
  }

  .brand small,
  .nav-links > a:not(.nav-cta) {
    display: none;
  }

  .nav-links {
    gap: 8px;
  }

  .hero {
    grid-template-columns: 1fr;
    padding-top: 44px;
  }

  .purpose-card {
    display: none;
  }

  .hero h1 {
    font-size: 44px;
  }

  .trust-strip {
    grid-template-columns: 1fr;
  }

  .trust-strip div:first-child,
  .trust-strip div:last-child {
    border-radius: 0;
  }

  .choice-grid {
    grid-template-columns: 1fr 1fr;
  }

  .fields.two,
  .explain,
  footer {
    grid-template-columns: 1fr;
  }

  .form-shell {
    margin-right: 12px;
    margin-left: 12px;
    padding: 23px;
  }

  .actions {
    flex-direction: column-reverse;
  }

  .actions .button {
    width: 100%;
  }
}

@media (max-width: 420px) {
  .brand strong {
    font-size: 14px;
  }

  .choice-grid {
    grid-template-columns: 1fr;
  }

  .hero h1 {
    font-size: 39px;
  }
}

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