:root {
  --blue: #07549b;
  --blue-dark: #07365f;
  --blue-deep: #052844;
  --blue-soft: #eaf3f9;
  --blue-pale: #f4f8fb;
  --ink: #17283a;
  --muted: #617286;
  --line: #d9e3eb;
  --white: #ffffff;
  --error: #b3261e;
}

/* Production form behavior and validation */
.form-alert{margin:0 0 24px;padding:16px 18px;border-radius:8px;background:#fff4f2;border:1px solid #dc6b58;color:#7a2118;font-size:14px;line-height:1.5}
.form-alert strong{display:block;margin-bottom:3px;color:#64190f}
.form-step[hidden]{display:none!important}
.honeypot{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.field input[aria-invalid="true"],.field select[aria-invalid="true"],.field textarea[aria-invalid="true"]{border-color:#b72b23;background:#fffafa}
.error-message{display:block!important;color:#a32119!important;font-weight:700!important;margin-top:7px!important}
.upload-card:focus-within{outline:3px solid rgba(0,91,170,.25);outline-offset:3px}
.upload-status{display:block;min-height:1.35em}
.field-hint{display:block;margin-top:7px;color:#66798d;font-size:12px;line-height:1.45}
.noscript-note{margin:0;padding:12px 18px;background:#fff8d8;border-bottom:1px solid #e5d58a;color:#594b12;font-size:14px}
.production-message{max-width:760px;margin:32px auto;padding:22px;border:1px solid #d8e2ec;border-radius:10px;background:#fff}
.production-message h1{font-size:clamp(30px,4vw,48px);margin:0 0 14px}
.production-message p{color:#5d7085;line-height:1.7}
.js .form-step{display:none}
.js .form-step.is-active{display:block}
@media (max-width:600px){.upload-copy small,.upload-card small,.field-hint{font-size:12px;line-height:1.5}.form-alert{margin:0 0 18px}.production-message{margin:20px 16px}}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--ink); font-family: Arial, Helvetica, sans-serif; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
img { display: block; max-width: 100%; }

.site-header { height: 94px; padding: 0 clamp(24px, 6vw, 88px); display: flex; align-items: center; justify-content: space-between; gap: 24px; background: rgba(255,255,255,.97); border-bottom: 1px solid #e8eef3; position: relative; z-index: 20; }
.brand { display: flex; align-items: center; gap: 24px; min-width: 0; }
.brand img { width: 224px; height: auto; }
.brand span { border-left: 1px solid var(--line); padding-left: 22px; display: flex; flex-direction: column; line-height: 1.2; }
.brand small { font-size: 12px; color: var(--muted); }
.brand strong { font-size: 14px; color: var(--blue-dark); }
.header-actions { display: flex; align-items: center; gap: 28px; }
.phone-link { display: inline-flex; gap: 9px; align-items: center; font-weight: 700; color: var(--blue-dark); }
.phone-link .icon { width: 20px; }
.button { min-height: 50px; padding: 0 24px; border: 1px solid transparent; border-radius: 6px; display: inline-flex; align-items: center; justify-content: center; gap: 10px; font-size: 15px; font-weight: 700; cursor: pointer; transition: transform .18s ease, background .18s ease, color .18s ease, border-color .18s ease; }
.button:hover { transform: translateY(-1px); }
.button-primary { background: var(--blue); color: white; box-shadow: 0 8px 20px rgba(7,84,155,.15); }
.button-primary:hover { background: #064887; }
.button-secondary { background: white; color: var(--blue-dark); border-color: #b9cad8; }
.button-secondary:hover { border-color: var(--blue); color: var(--blue); }
.button-small { min-height: 48px; padding-inline: 22px; }
.button-light { background: white; color: var(--blue-dark); }
.icon { width: 24px; height: 24px; flex: 0 0 auto; }

.hero { background: linear-gradient(108deg, #f4f8fb 0%, #f9fbfc 48%, #fff 100%); border-bottom: 1px solid #eef3f6; overflow: hidden; }
.hero-inner { max-width: 1400px; margin: 0 auto; padding: 78px clamp(24px, 6vw, 88px) 112px; min-height: 680px; display: grid; grid-template-columns: minmax(0, .92fr) minmax(480px, 1.08fr); align-items: center; gap: clamp(24px, 5vw, 70px); }
.eyebrow { margin: 0 0 18px; color: var(--blue); font-size: 13px; font-weight: 800; text-transform: uppercase; letter-spacing: .16em; }
.eyebrow.light { color: #9ac6e7; }
h1, h2, h3 { overflow-wrap: normal; word-break: normal; }
p { overflow-wrap: anywhere; }
h1 { margin: 0; color: var(--blue-dark); font-size: clamp(43px, 4.8vw, 68px); line-height: 1.05; letter-spacing: -.045em; font-weight: 740; max-width: 760px; }
.hero-lead { max-width: 700px; margin: 26px 0 25px; color: #4e6376; font-size: 19px; line-height: 1.7; }
.benefit-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 13px; }
.benefit-list li { display: flex; align-items: center; gap: 12px; color: var(--blue-dark); font-size: 15px; font-weight: 700; }
.benefit-list li > span { width: 25px; height: 25px; display: grid; place-items: center; border-radius: 50%; background: var(--blue); color: white; }
.benefit-list .icon { width: 14px; height: 14px; stroke-width: 2.5; }
.hero-actions { margin-top: 34px; display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--blue); font-size: 15px; font-weight: 750; }
.text-link span { transition: transform .18s ease; }
.text-link:hover span { transform: translateX(3px); }
.hero-visual { margin: 0; position: relative; align-self: stretch; display: flex; align-items: center; }
.hero-visual::before { display: none; }
.hero-visual img { width: 112%; height: auto; max-width: none; margin-left: -4%; position: relative; mix-blend-mode: multiply; filter: contrast(1.04); }
.hero-visual figcaption { position: absolute; right: 0; bottom: 50px; display: flex; align-items: center; gap: 12px; background: rgba(255,255,255,.96); border: 1px solid #dce6ed; border-radius: 10px; box-shadow: 0 14px 35px rgba(26,55,78,.12); padding: 14px 18px; }
.caption-icon { width: 40px; height: 40px; background: var(--blue-soft); color: var(--blue); border-radius: 50%; display: grid; place-items: center; }
.caption-icon .icon { width: 21px; }
.hero-visual figcaption > span:last-child { display: flex; flex-direction: column; gap: 2px; }
.hero-visual figcaption strong { color: var(--blue-dark); font-size: 14px; }
.hero-visual figcaption small { color: var(--muted); font-size: 12px; }

.section-shell { width: min(1180px, calc(100% - 48px)); margin: 0 auto; }
.form-section { background: #fff; padding-bottom: 108px; scroll-margin-top: 16px; }
.form-shell { margin-top: -62px; position: relative; z-index: 5; }
.compact-heading { background: var(--blue-dark); color: white; padding: 22px 36px 20px; border-radius: 12px 12px 0 0; display: grid; grid-template-columns: .95fr 1.05fr; gap: 3px 38px; align-items: center; }
.compact-heading .eyebrow { color: #a8d0ed; grid-column: 1; margin-bottom: 3px; }
.compact-heading h2 { color: white; grid-column: 1; }
.compact-heading > p:last-child { grid-column: 2; grid-row: 1 / span 2; margin: 0; align-self: center; color: #d8e8f4; font-size: 14px; line-height: 1.55; }
.section-heading h2, .split-heading h2, .faq-intro h2 { margin: 0; color: var(--blue-dark); font-size: clamp(34px, 3.3vw, 50px); letter-spacing: -.035em; line-height: 1.1; }
.form-card { border: 1px solid var(--line); border-top: 0; border-radius: 0 0 12px 12px; background: white; box-shadow: 0 22px 56px rgba(28,58,82,.10); overflow: hidden; }
.progress-track { display: none; height: 4px; background: #e7eef4; }
.progress-track span { display: block; height: 100%; background: var(--blue); transition: width .2s ease; }
.stepper { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); margin: 0; padding: 0 38px; background: #f7fafc; border-bottom: 1px solid var(--line); }
.stepper li { display: flex; justify-content: center; }
.stepper button { width: 100%; max-width: 240px; min-height: 91px; border: 0; background: transparent; display: grid; grid-template-columns: 34px minmax(0, 1fr); grid-template-rows: 1fr 1fr; column-gap: 12px; align-content: center; justify-content: center; text-align: left; color: #7b8b9a; }
.stepper button > span { grid-row: 1 / span 2; width: 34px; height: 34px; border-radius: 50%; border: 1px solid #bdcad4; background: #fff; display: grid; place-items: center; font-weight: 800; align-self: center; }
.stepper button .icon { width: 17px; }
.stepper button small { align-self: end; font-size: 11px; text-transform: uppercase; letter-spacing: .09em; }
.stepper button strong { align-self: start; font-size: 14px; }
.stepper li.active button, .stepper li.complete button { color: var(--blue-dark); }
.stepper li.active button > span, .stepper li.complete button > span { background: var(--blue); border-color: var(--blue); color: white; }
.stepper button:not(:disabled) { cursor: pointer; }
.form-step { min-width: 0; border: 0; margin: 0; padding: 18px 48px 48px; }
.form-step legend { padding: 0; color: var(--blue-dark); font-size: 24px; }
.step-intro { margin: 9px 0 23px; max-width: 760px; color: var(--muted); font-size: 15px; line-height: 1.6; }
.field-grid { display: grid; gap: 22px; }
.two-columns { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.three-columns { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.field label { display: grid; gap: 9px; color: #243b4f; font-size: 14px; font-weight: 700; }
.field label > span em, .privacy-check em { color: var(--blue); font-style: normal; }
.field input, .field select, .field textarea { width: 100%; border: 1px solid #c9d6df; border-radius: 6px; background: #fff; color: var(--ink); outline: none; min-height: 50px; padding: 12px 14px; transition: border .18s ease, box-shadow .18s ease; }
.field textarea { resize: vertical; min-height: 128px; line-height: 1.5; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(7,84,155,.11); }
.field small { display: block; margin-top: 7px; color: #718193; font-size: 12px; line-height: 1.4; }
.field-error input, .field-error select, .field-error textarea { border-color: var(--error); }
.field .error-message, .error-message { color: var(--error); }
.form-navigation { margin-top: 34px; padding-top: 28px; border-top: 1px solid #e2e9ee; display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.form-navigation.single-action { justify-content: space-between; }
.privacy-note { display: flex; align-items: center; gap: 8px; color: var(--muted); font-size: 12px; line-height: 1.45; }
.privacy-note .icon { width: 17px; color: var(--blue); }
.upload-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; margin-bottom: 18px; }
.upload-heading { margin: 28px 0 12px; display: flex; align-items: baseline; justify-content: space-between; gap: 18px; color: var(--blue-dark); }
.upload-heading strong { font-size: 15px; }
.upload-heading span { color: var(--muted); font-size: 12px; }
.upload-card { min-height: 152px; border: 1px dashed #9eb5c7; border-radius: 8px; background: #f8fbfd; padding: 20px; display: grid; grid-template-columns: 46px 1fr auto; gap: 14px; align-items: center; cursor: pointer; transition: border .18s ease, background .18s ease; }
.upload-card:hover { border-color: var(--blue); background: #f2f8fc; }
.upload-icon { width: 46px; height: 46px; background: white; border: 1px solid #dce6ed; border-radius: 8px; color: var(--blue); display: grid; place-items: center; }
.upload-icon .icon { width: 22px; }
.upload-copy { display: grid; gap: 5px; min-width: 0; }
.upload-copy strong { color: var(--blue-dark); font-size: 14px; }
.upload-copy span { color: var(--muted); font-size: 12px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.upload-copy small { color: #596f82; font-size: 11px; line-height: 1.48; }
.upload-action { color: var(--blue); font-size: 13px; font-weight: 750; }
.upload-card input { position: absolute; width: 1px; height: 1px; opacity: 0; pointer-events: none; }
.missing-documents { display: grid; grid-template-columns: 38px 1fr auto; align-items: center; gap: 13px; border: 1px solid #dce6ed; border-left: 3px solid var(--blue); border-radius: 6px; padding: 14px 16px; margin-bottom: 28px; }
.missing-icon { color: var(--blue); display: grid; place-items: center; }
.missing-icon .icon { width: 20px; }
.missing-documents > span:nth-child(2) { display: grid; gap: 3px; }
.missing-documents strong { color: var(--blue-dark); font-size: 13px; }
.missing-documents small { color: var(--muted); font-size: 12px; line-height: 1.45; }
.missing-documents a { color: var(--blue); font-size: 13px; font-weight: 800; white-space: nowrap; }
.coverage-field { grid-column: 1 / span 2; }
.coverage-label { display: block; margin-bottom: 10px; color: #243b4f; font-size: 14px; font-weight: 700; }
.coverage-label em { color: var(--blue); font-style: normal; }
.coverage-options { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.coverage-options label { min-height: 84px; border: 1px solid #c9d6df; border-radius: 7px; padding: 14px; display: flex; align-items: flex-start; gap: 11px; cursor: pointer; transition: border .18s ease, background .18s ease; }
.coverage-options label:hover, .coverage-options label.selected { border-color: var(--blue); background: #f2f8fc; }
.coverage-options input { width: 17px; height: 17px; margin: 2px 0 0; accent-color: var(--blue); }
.coverage-options label > span { display: grid; gap: 5px; }
.coverage-options strong { color: var(--blue-dark); font-size: 14px; }
.coverage-options small { color: var(--muted); font-size: 11px; line-height: 1.4; }
.coverage-field > .error-message { display: block; margin-top: 8px; font-size: 12px; }
.supplementary-fields { grid-column: 1 / span 2; margin-top: 4px; padding-top: 23px; border-top: 1px solid #e2e9ee; }
.supplementary-heading { margin-bottom: 13px; display: flex; align-items: baseline; justify-content: space-between; gap: 18px; }
.supplementary-heading strong { color: var(--blue-dark); font-size: 14px; }
.supplementary-heading span { color: var(--muted); font-size: 11px; }
.privacy-check { border: 1px solid #d8e3eb; border-radius: 7px; background: #f8fbfd; padding: 16px; }
.privacy-check label { display: flex; align-items: flex-start; gap: 12px; color: #4c6173; font-size: 13px; line-height: 1.55; cursor: pointer; }
.privacy-check input { width: 18px; height: 18px; margin: 2px 0 0; accent-color: var(--blue); flex: 0 0 auto; }
.privacy-check a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }
.privacy-check.field-error { border-color: var(--error); }
.privacy-check > small { display: block; margin: 8px 0 0 30px; }
.preview-message { margin-top: 20px; padding: 15px 17px; border: 1px solid #9ecab0; border-radius: 7px; background: #f2faf5; color: #28583a; display: flex; align-items: flex-start; gap: 12px; font-size: 13px; line-height: 1.5; }
.preview-message .icon { width: 20px; }

.section-pad { padding: 104px 0; }
.split-heading { display: grid; grid-template-columns: .95fr 1.05fr; align-items: end; gap: 90px; margin-bottom: 50px; }
.split-heading > p { margin: 0 0 4px; color: var(--muted); font-size: 17px; line-height: 1.7; }
.inspection-section { background: var(--blue-pale); }
.inspection-grid { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid #cbd9e3; border-left: 1px solid #cbd9e3; }
.inspection-grid article { min-height: 210px; padding: 30px; background: rgba(255,255,255,.72); border-right: 1px solid #cbd9e3; border-bottom: 1px solid #cbd9e3; }
.inspection-grid article > span { color: #8aa6bb; font-size: 12px; font-weight: 800; letter-spacing: .14em; }
.inspection-grid h3 { margin: 31px 0 10px; color: var(--blue-dark); font-size: 19px; }
.inspection-grid p { margin: 0; color: var(--muted); font-size: 14px; line-height: 1.65; }
.portal-section { background: var(--blue-dark); color: white; }
.portal-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 90px; align-items: center; }
.portal-copy h2 { margin: 0; max-width: 520px; font-size: clamp(36px, 4vw, 54px); line-height: 1.08; letter-spacing: -.04em; }
.portal-copy > p:not(.eyebrow) { margin: 24px 0 30px; color: #d2e3ef; font-size: 17px; line-height: 1.75; }
.portal-points { display: grid; grid-template-columns: repeat(2, 1fr); border: 1px solid rgba(255,255,255,.16); }
.portal-points article { min-height: 156px; display: flex; gap: 16px; padding: 27px; border-right: 1px solid rgba(255,255,255,.16); border-bottom: 1px solid rgba(255,255,255,.16); }
.portal-points article:nth-child(2n) { border-right: 0; }
.portal-points article:nth-last-child(-n+2) { border-bottom: 0; }
.portal-points .icon { color: #91c4e8; }
.portal-points article > span { display: grid; align-content: start; gap: 8px; }
.portal-points strong { font-size: 15px; }
.portal-points small { color: #c3d7e5; line-height: 1.55; font-size: 13px; }
.section-heading { text-align: center; max-width: 720px; margin: 0 auto 50px; }
.section-heading > p:last-child { color: var(--muted); font-size: 16px; line-height: 1.65; }
.section-heading.compact-heading h2 { color: white; }
.section-heading.compact-heading > p:last-child { color: #d8e8f4; }
.section-heading.compact-heading { width: 100%; max-width: none; margin: 0; text-align: left; }
.section-heading.compact-heading h2 { font-size: clamp(28px, 2.55vw, 36px); line-height: 1.08; }
.stepper button strong { overflow-wrap: anywhere; }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.process-grid article { position: relative; border-top: 3px solid var(--blue); background: #f8fafc; padding: 34px 30px; min-height: 250px; }
.process-grid article > span { position: absolute; right: 24px; top: 23px; color: #d3dee6; font-size: 28px; font-weight: 800; }
.process-grid .icon { width: 34px; height: 34px; color: var(--blue); }
.process-grid h3 { margin: 32px 0 11px; color: var(--blue-dark); font-size: 20px; }
.process-grid p { margin: 0; color: var(--muted); line-height: 1.65; font-size: 14px; }
.advisor-section { background: #f3f6f8; }
.advisor-card { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: 50px; background: white; color: var(--ink); border: 1px solid #d8e3eb; border-radius: 14px; padding: 46px; box-shadow: 0 18px 48px rgba(31,57,77,.08); }
.advisor-photo { margin: 0; align-self: start; }
.advisor-photo img { width: 188px; height: 248px; object-fit: cover; object-position: center top; border-radius: 10px; }
.advisor-photo figcaption { margin-top: 18px; display: grid; gap: 5px; }
.advisor-photo figcaption strong { color: var(--blue-dark); font-size: 19px; }
.advisor-photo figcaption span { color: var(--muted); font-size: 13px; line-height: 1.35; }
.advisor-copy { min-width: 0; align-self: center; }
.advisor-topline { min-height: 38px; display: flex; align-items: flex-start; justify-content: space-between; gap: 24px; }
.advisor-topline .eyebrow { margin: 9px 0 0; }
.office-status { flex: 0 0 auto; min-height: 36px; padding: 0 14px; border: 1px solid #ccd8df; border-radius: 999px; color: #647585; background: #f7f9fa; display: inline-flex; align-items: center; gap: 8px; font-size: 12px; }
.office-status i { width: 8px; height: 8px; border-radius: 50%; background: #8795a1; }
.office-status.open { border-color: #b9ddca; color: #257248; background: #f0faf5; }
.office-status.open i { background: #1c9b5f; }
.advisor-copy h2 { max-width: 720px; margin: 16px 0 0; color: var(--blue-dark); font-size: clamp(37px, 3.6vw, 50px); line-height: 1.08; letter-spacing: -.04em; }
.advisor-copy > p:not(.office-hours) { max-width: 820px; margin: 22px 0 0; color: #52677a; line-height: 1.72; font-size: 16px; }
.contact-grid { display: grid; grid-template-columns: .85fr 1.25fr 1fr; gap: 26px; margin: 28px 0 0; padding: 25px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.contact-grid > a { display: flex; align-items: center; gap: 11px; min-width: 0; }
.contact-grid .icon { color: var(--blue); width: 20px; }
.contact-grid span, .contact-grid address { display: grid; gap: 6px; min-width: 0; font-style: normal; }
.contact-grid small { color: #758594; font-size: 11px; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.contact-grid strong { color: var(--blue-dark); font-size: 13px; line-height: 1.45; overflow-wrap: anywhere; }
.advisor-actions { margin-top: 26px; display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.office-hours { margin: 28px 0 0; padding-top: 18px; border-top: 1px solid var(--line); color: var(--muted); font-size: 12px; line-height: 1.65; }
.office-hours strong { color: var(--blue-dark); }
.office-hours span { color: #7b8b98; }
.trust-strip { border-bottom: 1px solid var(--line); background: white; }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-grid > div { min-height: 130px; padding: 28px 24px; display: flex; align-items: center; gap: 16px; border-right: 1px solid var(--line); }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid .icon { color: var(--blue); width: 29px; }
.trust-grid span { display: grid; gap: 5px; }
.trust-grid strong { color: var(--blue-dark); font-size: 14px; }
.trust-grid small { color: var(--muted); line-height: 1.45; }
.faq-layout { display: grid; grid-template-columns: 340px 1fr; gap: 90px; align-items: start; }
.faq-intro { position: sticky; top: 25px; }
.faq-intro > p:not(.eyebrow) { color: var(--muted); line-height: 1.65; margin: 20px 0; }
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { list-style: none; min-height: 74px; padding: 20px 6px; display: flex; align-items: center; justify-content: space-between; gap: 20px; cursor: pointer; color: var(--blue-dark); font-weight: 750; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary b { color: var(--blue); font-size: 24px; font-weight: 400; transition: transform .18s ease; }
.faq-list details[open] summary b { transform: rotate(45deg); }
.faq-list details p { margin: -4px 45px 22px 6px; color: var(--muted); line-height: 1.7; font-size: 14px; }
.faq-list summary em { margin-left: 9px; padding: 3px 7px; border-radius: 3px; background: #fff2cf; color: #825d00; font-size: 10px; font-style: normal; text-transform: uppercase; letter-spacing: .08em; vertical-align: middle; }
.closing-section { padding: 0 0 92px; }
.closing-card { background: var(--blue); color: white; border-radius: 12px; padding: 44px 48px; display: grid; grid-template-columns: 58px 1fr auto; align-items: center; gap: 26px; }
.closing-icon { width: 58px; height: 58px; border-radius: 50%; background: rgba(255,255,255,.13); display: grid; place-items: center; }
.closing-icon .icon { width: 29px; }
.closing-card .eyebrow { margin-bottom: 10px; }
.closing-card h2 { margin: 0; font-size: 30px; line-height: 1.15; }
.closing-card p:not(.eyebrow) { margin: 10px 0 0; color: #dcecf7; font-size: 14px; }
.closing-actions { display: grid; gap: 10px; text-align: center; }
.closing-actions > a:last-child { font-size: 12px; font-weight: 750; }
footer { background: #f4f7f9; border-top: 1px solid var(--line); color: #566a7b; }
.footer-grid { padding: 54px 0 42px; display: grid; grid-template-columns: 1.4fr .8fr .8fr; gap: 70px; }
.footer-brand img { width: 210px; margin-bottom: 20px; }
.footer-grid p { line-height: 1.7; font-size: 13px; }
.footer-grid h2 { margin: 0 0 16px; color: var(--blue-dark); font-size: 14px; }
.footer-grid > div:not(:first-child) { display: flex; flex-direction: column; gap: 10px; font-size: 13px; }
.footer-grid a:hover { color: var(--blue); }
.footer-legal { border-top: 1px solid var(--line); padding: 19px 0 23px; font-size: 11px; line-height: 1.5; }

/* Structural redesign: one clear conversion path instead of stacked brochure blocks. */
.cta-short { display: none; }
.site-header { height: 84px; }
.brand img { width: 205px; }
.button-small { min-height: 46px; }

.hero-inner { padding-top: 54px; padding-bottom: 68px; min-height: 570px; grid-template-columns: minmax(0, .9fr) minmax(460px, 1.1fr); }
h1 { font-size: clamp(43px, 4.3vw, 60px); line-height: 1.04; max-width: 650px; }
.hero-lead { margin: 22px 0 0; font-size: 18px; line-height: 1.62; max-width: 640px; }
.hero-actions { margin-top: 26px; }
.benefit-list { margin-top: 27px; gap: 10px; }
.hero-visual { align-items: flex-end; }
.hero-visual img { width: 116%; margin-left: -7%; transform: translateY(10px); }

.trust-bridge { background: white; border-bottom: 1px solid var(--line); }
.trust-bridge-inner { min-height: 112px; display: flex; align-items: center; justify-content: space-between; gap: 34px; }
.trust-person { display: flex; align-items: center; gap: 16px; min-width: 0; }
.trust-person img { width: 64px; height: 76px; object-fit: cover; object-position: center top; border-radius: 8px; flex: 0 0 auto; }
.trust-person > span { display: grid; gap: 3px; min-width: 0; }
.trust-person small { color: var(--muted); font-size: 11px; line-height: 1.35; }
.trust-person strong { color: var(--blue-dark); font-size: 16px; }
.trust-person em { color: #66798a; font-size: 12px; font-style: normal; }
.trust-facts { display: flex; align-items: center; justify-content: flex-end; gap: 10px 22px; flex-wrap: wrap; }
.trust-facts > span { display: inline-flex; align-items: center; gap: 8px; color: #40576a; font-size: 12px; font-weight: 700; white-space: nowrap; }
.trust-facts .icon { width: 17px; color: var(--blue); }

.process-bridge { background: #fff; padding: 70px 0 66px; }
.process-bridge-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 70px; align-items: center; }
.process-bridge-heading .eyebrow { margin-bottom: 13px; }
.process-bridge-heading h2 { margin: 0; color: var(--blue-dark); font-size: clamp(31px, 3.2vw, 44px); line-height: 1.08; letter-spacing: -.035em; }
.process-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.process-steps li { min-width: 0; padding: 23px 24px; display: grid; align-content: start; gap: 7px; border-right: 1px solid var(--line); }
.process-steps li:last-child { border-right: 0; }
.process-steps li > span { color: #8ba5b9; font-size: 11px; font-weight: 800; letter-spacing: .13em; }
.process-steps strong { color: var(--blue-dark); font-size: 15px; }
.process-steps small { color: var(--muted); font-size: 12px; line-height: 1.5; }

.form-section { padding: 72px 0 96px; background: #f4f7f9; }
.form-shell { margin-top: 0; }
.compact-heading { padding: 22px 36px 20px; }
.mobile-step-status { display: none; }
.form-subgroup { padding: 23px; border: 1px solid #dce5ec; border-radius: 9px; background: #fbfcfd; }
.form-subgroup + .form-subgroup { margin-top: 18px; }
.form-subgroup-heading { margin-bottom: 19px; display: flex; align-items: baseline; justify-content: space-between; gap: 18px; }
.form-subgroup-heading > span { color: var(--blue-dark); font-size: 15px; font-weight: 800; }
.form-subgroup-heading small { color: #687b8c; font-size: 12px; line-height: 1.4; text-align: right; }
.documents-subgroup { background: #f7fafc; }
.documents-subgroup .upload-grid { margin-bottom: 14px; }
.documents-subgroup .missing-documents { margin-bottom: 0; background: white; }
.supplementary-fields { grid-column: auto; margin-top: 18px; padding-top: 23px; border-top: 1px solid #dce5ec; }
.upload-copy small, .coverage-options small, .contact-grid small { color: #5f7283; }
.field small { color: #657788; }

.section-pad { padding: 88px 0; }
.inspection-section { background: var(--blue-pale); }
.inspection-layout { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(380px, .92fr); gap: 34px; align-items: stretch; }
.inspection-main { background: white; border: 1px solid #d9e4ec; border-radius: 12px; padding: 42px; }
.inspection-heading { max-width: 710px; margin-bottom: 30px; }
.inspection-heading .eyebrow { margin-bottom: 13px; }
.inspection-heading h2, .personal-difference h2 { margin: 0; font-size: clamp(34px, 3.1vw, 46px); line-height: 1.08; letter-spacing: -.035em; }
.inspection-heading h2 { color: var(--blue-dark); }
.inspection-heading > p:last-child { margin: 18px 0 0; color: var(--muted); font-size: 15px; line-height: 1.67; }
.inspection-list { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line); }
.inspection-list article { min-width: 0; display: grid; grid-template-columns: 34px 1fr; gap: 12px; padding: 22px 20px 22px 0; border-bottom: 1px solid var(--line); }
.inspection-list article:nth-child(odd) { border-right: 1px solid var(--line); }
.inspection-list article:nth-child(even) { padding-left: 20px; }
.inspection-list article > span { color: #8ba5b9; font-size: 11px; font-weight: 800; letter-spacing: .1em; }
.inspection-list h3 { margin: 0 0 7px; color: var(--blue-dark); font-size: 16px; }
.inspection-list p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.55; }
.personal-difference { border-radius: 12px; padding: 42px 38px; background: var(--blue-dark); color: white; }
.personal-difference h2 { color: white; }
.personal-difference > p:not(.eyebrow) { margin: 19px 0 25px; color: #d8e7f1; font-size: 15px; line-height: 1.65; }
.personal-difference ul { list-style: none; margin: 0 0 30px; padding: 0; display: grid; gap: 18px; }
.personal-difference li { display: flex; gap: 13px; }
.personal-difference li > .icon { width: 20px; color: #9bc8e8; margin-top: 1px; }
.personal-difference li > span { display: grid; gap: 4px; }
.personal-difference li strong { font-size: 14px; }
.personal-difference li small { color: #c7dbe9; font-size: 12px; line-height: 1.45; }

.advisor-section { padding: 78px 0; }
.advisor-card { padding: 40px; box-shadow: 0 14px 38px rgba(31,57,77,.07); }
.faq-section { padding-top: 82px; }

@media (max-width: 1040px) {
  .brand img { width: 190px; }
  .hero-inner { grid-template-columns: 1fr 1fr; }
  .hero-visual img { width: 125%; margin-left: -12%; }
  .portal-grid { gap: 48px; }
  .advisor-card { grid-template-columns: 200px minmax(0, 1fr); gap: 36px; padding: 38px; }
  .advisor-photo img { width: 176px; height: 232px; }
  .contact-grid { grid-template-columns: 1fr 1.35fr 1fr; gap: 18px; }
  .faq-layout { gap: 55px; }
}

@media (max-width: 820px) {
  .site-header { height: 82px; padding-inline: 24px; }
  .brand span, .phone-link span { display: none; }
  .brand img { width: 175px; }
  .header-actions { gap: 15px; }
  .phone-link { width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 50%; justify-content: center; }
  .hero-inner { padding-top: 58px; grid-template-columns: 1fr; min-height: auto; }
  .hero-copy { max-width: 680px; }
  .hero-visual { min-height: 440px; margin-top: -20px; }
  .hero-visual img { width: 100%; margin: 0; }
  .form-shell { margin-top: -46px; }
  .compact-heading { padding: 22px 28px 21px; grid-template-columns: 1fr; }
  .compact-heading > p:last-child { grid-column: 1; grid-row: auto; }
  .split-heading { grid-template-columns: 1fr; gap: 22px; }
  .inspection-grid { grid-template-columns: repeat(2, 1fr); }
  .portal-grid { grid-template-columns: 1fr; }
  .process-grid { gap: 12px; }
  .advisor-card { grid-template-columns: 170px minmax(0, 1fr); gap: 28px; padding: 30px; }
  .advisor-photo img { width: 150px; height: 198px; }
  .advisor-copy h2 { font-size: 38px; }
  .contact-grid { grid-template-columns: 1fr; gap: 16px; }
  .faq-layout { grid-template-columns: 1fr; gap: 35px; }
  .faq-intro { position: static; }
  .closing-card { grid-template-columns: 52px 1fr; }
  .closing-actions { grid-column: 2; justify-self: start; }
}

@media (max-width: 640px) {
  .site-header { padding-inline: 16px; }
  .brand img { width: 150px; }
  .button-small { min-height: 42px; padding: 0 13px; font-size: 12px; }
  .phone-link { width: 40px; height: 40px; }
  .hero-inner { padding: 42px 20px 96px; gap: 12px; }
  h1 { font-size: clamp(38px, 11vw, 48px); }
  .hero-lead { font-size: 17px; line-height: 1.6; }
  .benefit-list li { align-items: flex-start; font-size: 14px; line-height: 1.45; }
  .benefit-list li > span { margin-top: 1px; flex: 0 0 auto; }
  .hero-actions { align-items: stretch; flex-direction: column; gap: 16px; }
  .hero-actions .button { width: 100%; }
  .hero-actions .text-link { justify-content: center; }
  .hero-visual { min-height: 310px; margin-top: 0; }
  .hero-visual img { width: 120%; margin-left: -10%; }
  .hero-visual figcaption { right: 0; bottom: 6px; padding: 11px 13px; }
  .section-shell { width: min(100% - 28px, 1180px); }
  .form-shell { margin-top: -37px; }
  .compact-heading { padding: 21px 20px; border-radius: 12px 12px 0 0; }
  .compact-heading .eyebrow { font-size: 11px; }
  .compact-heading h2 { font-size: 28px; }
  .compact-heading > p:last-child { font-size: 13px; line-height: 1.55; }
  .progress-track { display: block; }
  .stepper { padding: 0 9px; }
  .stepper button { max-width: 190px; min-height: 76px; grid-template-columns: 29px minmax(0, 1fr); column-gap: 7px; padding: 0 3px; }
  .stepper button > span { width: 29px; height: 29px; }
  .stepper button small { font-size: 9px; }
  .stepper button strong { font-size: 10px; }
  .form-step { padding: 16px 18px 24px; }
  .form-step legend { font-size: 20px; }
  .step-intro { margin: 8px 0 21px; font-size: 14px; }
  .two-columns, .upload-grid { grid-template-columns: 1fr; }
  .three-columns { grid-template-columns: 1fr; }
  .coverage-field { grid-column: auto; }
  .supplementary-fields { grid-column: auto; }
  .supplementary-heading { align-items: flex-start; flex-direction: column; gap: 4px; }
  .coverage-options { grid-template-columns: 1fr; }
  .coverage-options label { min-height: auto; }
  .upload-heading { align-items: flex-start; flex-direction: column; gap: 4px; }
  .upload-card { grid-template-columns: 42px 1fr; padding: 16px; }
  .upload-action { grid-column: 2; }
  .missing-documents { grid-template-columns: 32px 1fr; }
  .missing-documents > a { grid-column: 2; }
  .form-navigation, .form-navigation.single-action { align-items: stretch; flex-direction: column-reverse; }
  .form-navigation .button { width: 100%; }
  .privacy-note { justify-content: center; text-align: center; }
  .section-pad { padding: 76px 0; }
  .split-heading { margin-bottom: 34px; }
  .inspection-grid { grid-template-columns: 1fr; }
  .inspection-grid article { min-height: auto; padding: 25px; }
  .inspection-grid h3 { margin-top: 18px; }
  .portal-section { padding-block: 78px; }
  .portal-points { grid-template-columns: 1fr; }
  .portal-points article { min-height: auto; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.16) !important; }
  .portal-points article:last-child { border-bottom: 0 !important; }
  .process-grid { grid-template-columns: 1fr; }
  .process-grid article { min-height: auto; }
  .advisor-card { grid-template-columns: 1fr; gap: 30px; padding: 24px; }
  .advisor-photo { display: grid; grid-template-columns: 128px 1fr; align-items: end; gap: 18px; }
  .advisor-photo img { width: 128px; height: 169px; }
  .advisor-photo figcaption { margin: 0 0 3px; }
  .advisor-topline { align-items: flex-start; flex-direction: column-reverse; gap: 12px; }
  .advisor-topline .eyebrow { margin-top: 0; }
  .advisor-copy h2 { margin-top: 12px; font-size: 35px; }
  .advisor-actions { align-items: stretch; flex-direction: column; }
  .advisor-actions .button { width: 100%; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-grid > div { min-height: auto; border-right: 0; border-bottom: 1px solid var(--line); padding: 22px 8px; }
  .trust-grid > div:last-child { border-bottom: 0; }
  .faq-list summary { font-size: 14px; }
  .faq-list details p { margin-right: 20px; }
  .closing-section { padding-bottom: 65px; }
  .closing-card { grid-template-columns: 1fr; padding: 32px 24px; }
  .closing-icon { width: 52px; height: 52px; }
  .closing-actions { grid-column: 1; justify-self: stretch; }
  .closing-actions .button { width: 100%; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 1040px) {
  .cta-wide { display: none; }
  .cta-short { display: inline; }
  .hero-inner { grid-template-columns: minmax(0, .92fr) minmax(420px, 1.08fr); gap: 22px; }
  .hero-visual img { width: 112%; margin-left: -6%; }
  .trust-bridge-inner { padding-block: 18px; }
  .process-bridge-layout { grid-template-columns: 1fr; gap: 30px; }
  .inspection-layout { grid-template-columns: 1fr; }
  .personal-difference { display: grid; grid-template-columns: 1fr 1fr; gap: 0 34px; }
  .personal-difference > .eyebrow, .personal-difference > h2, .personal-difference > p { grid-column: 1; }
  .personal-difference > ul { grid-column: 2; grid-row: 1 / span 4; align-self: center; margin-bottom: 0; }
  .personal-difference > .button { grid-column: 1; justify-self: start; }
}

@media (max-width: 820px) {
  .hero-inner { padding: 46px 24px 34px; grid-template-columns: 1fr; gap: 6px; }
  .hero-copy { max-width: 720px; }
  .hero-visual { min-height: 300px; margin-top: -22px; justify-content: center; }
  .hero-visual img { width: min(760px, 106%); margin: 0; transform: translateY(12px); }
  .trust-bridge-inner { align-items: flex-start; flex-direction: column; gap: 18px; padding-block: 22px; }
  .trust-facts { justify-content: flex-start; }
  .process-bridge { padding: 58px 0 54px; }
  .form-section { padding: 58px 0 82px; }
  .form-shell { margin-top: 0; }
  .inspection-main { padding: 34px; }
  .personal-difference { display: block; }
  .personal-difference > ul { margin-bottom: 28px; }
  .advisor-section { padding: 68px 0; }
}

@media (max-width: 640px) {
  .site-header { height: 74px; }
  .brand img { width: 145px; }
  .header-actions { gap: 10px; }
  .button-small { min-height: 40px; padding-inline: 12px; }
  .hero-inner { padding: 34px 18px 24px; }
  h1 { font-size: clamp(37px, 10.8vw, 46px); }
  .hero-lead { margin-top: 18px; font-size: 16px; line-height: 1.55; }
  .hero-actions { margin-top: 22px; gap: 13px; }
  .benefit-list { margin-top: 23px; }
  .hero-visual { min-height: 225px; margin-top: -4px; }
  .hero-visual img { width: 112%; max-width: 560px; transform: translateY(8px); }
  .trust-person img { width: 58px; height: 69px; }
  .trust-facts { display: grid; grid-template-columns: 1fr; gap: 9px; }
  .process-bridge { padding: 48px 0; }
  .process-bridge-heading h2 { font-size: 34px; }
  .process-steps { grid-template-columns: 1fr; border-bottom: 0; }
  .process-steps li { grid-template-columns: 34px 1fr; grid-template-rows: auto auto; padding: 16px 4px; border-right: 0; border-bottom: 1px solid var(--line); }
  .process-steps li > span { grid-row: 1 / span 2; padding-top: 2px; }
  .form-section { padding: 46px 0 70px; }
  .form-shell { margin-top: 0; }
  .compact-heading { padding: 20px 18px; }
  .compact-heading h2 { font-size: 27px; }
  .progress-track { display: block; }
  .mobile-step-status { display: flex; min-height: 66px; padding: 13px 18px; align-items: center; justify-content: space-between; gap: 15px; background: #f7fafc; border-bottom: 1px solid var(--line); }
  .mobile-step-status span { color: var(--blue); font-size: 11px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
  .mobile-step-status strong { color: var(--blue-dark); font-size: 13px; text-align: right; }
  .stepper { display: none; }
  .form-step { padding: 15px 17px 24px; }
  .form-step legend { font-size: 20px; line-height: 1.25; }
  .step-intro { margin-left: 0; }
  .form-subgroup { padding: 17px 14px; }
  .form-subgroup-heading { align-items: flex-start; flex-direction: column; gap: 4px; }
  .form-subgroup-heading small { text-align: left; }
  .coverage-field { grid-column: auto; }
  .supplementary-fields { grid-column: auto; margin-top: 18px; padding-top: 17px; }
  .documents-subgroup .missing-documents { margin-bottom: 0; }
  .missing-documents a { white-space: normal; }
  .section-pad { padding: 66px 0; }
  .inspection-main { padding: 26px 20px; }
  .inspection-heading h2, .personal-difference h2 { font-size: 34px; }
  .inspection-list { grid-template-columns: 1fr; }
  .inspection-list article, .inspection-list article:nth-child(even) { padding: 19px 0; border-right: 0; }
  .personal-difference { padding: 30px 24px; }
  .personal-difference .button { width: 100%; }
  .advisor-section { padding: 60px 0; }
  .advisor-card { padding: 23px; }
  .faq-section { padding-top: 64px; }
}

@media (max-width: 380px) {
  .site-header { padding-inline: 12px; }
  .brand img { width: 128px; }
  .phone-link { width: 38px; height: 38px; }
  .button-small { padding-inline: 10px; font-size: 11px; }
  .hero-inner { padding-inline: 15px; }
}

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