:root {
  --navy: #173a5e;
  --navy-2: #1f4e79;
  --ink: #1b2430;
  --ink-2: #4a5566;
  --muted: #6b7686;
  --line: #cfdcea;
  --bg: #e8f1fb; /* soft blue page background */
  --card: #ffffff;
  --cta: #147a4b;
  --cta-hover: #0f6840;
  --error: #b42318;
  --error-bg: #fef3f2;
  --focus: #2e7dd7;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(16, 24, 40, .06), 0 12px 32px rgba(16, 24, 40, .10);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font: 16px/1.55 Inter, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
}
a { color: var(--navy-2); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .5em; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.muted { color: var(--muted); font-size: .875rem; }

/* Top bar */
.topbar { background: #fff; border-bottom: 1px solid var(--line); }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 60px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: 1.05rem; color: var(--navy); }
.brand-mark { width: 28px; height: 28px; flex: none; }
.brand-mark path { fill: var(--navy-2); }
.brand-mark .tick { fill: none; stroke: #fff; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.topbar-phone { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; text-decoration: none; color: var(--navy); white-space: nowrap; }
.topbar-phone svg { width: 18px; height: 18px; fill: var(--cta); }

/* Hero */
.hero { background: linear-gradient(180deg, #d6e6f7 0%, var(--bg) 100%); padding: 28px 0 40px; }
.hero-grid { display: grid; gap: 24px; }
.eyebrow { margin: 0 0 10px; font-size: .8rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--cta); }
.hero h1 { font-size: clamp(1.75rem, 4.5vw, 2.75rem); font-weight: 800; color: var(--navy); letter-spacing: -.02em; }
.lede { font-size: 1.05rem; color: var(--ink-2); margin: 0 0 16px; max-width: 34em; }
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.checks li { position: relative; padding-left: 30px; font-weight: 500; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: 3px; width: 20px; height: 20px; border-radius: 50%;
  background: var(--cta) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='m5.5 10.5 3 3 6-7' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat;
}

/* Card + form */
.card { background: var(--card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px 18px; }
.form-card h2 { font-size: 1.35rem; color: var(--navy); margin-bottom: 4px; }
.card-sub { margin: 0 0 16px; color: var(--muted); font-size: .92rem; }

.row { display: grid; gap: 12px; }
.row.two { grid-template-columns: 1fr 1fr; }
.row.three { grid-template-columns: 1.4fr .8fr .9fr; }
.field { margin: 0 0 12px; min-width: 0; }
.row .field { margin-bottom: 12px; }
fieldset.field { border: 0; padding: 0; }
label, legend { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 5px; color: var(--ink); }
legend { padding: 0; }

input[type=text], input[type=email], input[type=tel], select {
  width: 100%; height: 46px; padding: 0 12px;
  font: inherit; font-size: 16px; /* 16px stops iOS zoom-on-focus */
  color: var(--ink); background: #fff;
  border: 1px solid #c3ccd8; border-radius: 8px;
  transition: border-color .15s, box-shadow .15s;
}
select {
  appearance: none; -webkit-appearance: none; padding-right: 32px;
  background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='m1 1.5 5 5 5-5' fill='none' stroke='%234a5566' stroke-width='1.6'/%3E%3C/svg%3E") right 12px center/12px no-repeat;
}
input:focus, select:focus { outline: none; border-color: var(--focus); box-shadow: 0 0 0 3px rgba(46, 125, 215, .2); }
.invalid input, .invalid select, .invalid .segmented { border-color: var(--error); }
.invalid input:focus, .invalid select:focus { box-shadow: 0 0 0 3px rgba(180, 35, 24, .15); }
.field-error { display: block; margin-top: 4px; font-size: .8rem; color: var(--error); }

.segmented { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid #c3ccd8; border-radius: 8px; overflow: hidden; }
.segmented label { margin: 0; position: relative; }
.segmented input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.segmented span { display: flex; align-items: center; justify-content: center; height: 44px; font-weight: 600; color: var(--ink-2); cursor: pointer; transition: background .15s, color .15s; }
.segmented label + label span { border-left: 1px solid #c3ccd8; }
.segmented input:checked + span { background: var(--navy-2); color: #fff; }
.segmented input:focus-visible + span { box-shadow: inset 0 0 0 3px rgba(46, 125, 215, .45); }

.consent { margin-top: 4px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: .74rem; line-height: 1.45; color: var(--ink-2); cursor: pointer; }
.check input { flex: none; width: 20px; height: 20px; margin: 1px 0 0; accent-color: var(--navy-2); }

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-error { background: var(--error-bg); color: var(--error); border-radius: 8px; padding: 10px 12px; font-size: .9rem; margin: 0 0 12px; }

.btn {
  position: relative; width: 100%; min-height: 54px; border: 0; border-radius: 10px; cursor: pointer;
  font: inherit; font-size: 1.1rem; font-weight: 700; color: #fff; background: var(--cta);
  box-shadow: 0 4px 12px rgba(20, 122, 75, .3); transition: background .15s, transform .05s;
}
.btn:hover { background: var(--cta-hover); }
.btn:active { transform: translateY(1px); }
.btn:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }
.btn .spinner { display: none; position: absolute; right: 18px; top: 50%; width: 20px; height: 20px; margin-top: -10px; border: 2.5px solid rgba(255,255,255,.4); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
.btn.loading { pointer-events: none; opacity: .85; }
.btn.loading .spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

.secure-note { display: flex; align-items: center; justify-content: center; gap: 6px; margin: 10px 0 0; font-size: .8rem; color: var(--muted); }
.secure-note svg { width: 14px; height: 14px; fill: var(--muted); }

.thanks { text-align: center; padding: 20px 4px; outline: none; }
.thanks-icon { width: 64px; height: 64px; margin-bottom: 8px; }
.thanks-icon circle { fill: #e6f4ed; }
.thanks-icon path { fill: none; stroke: var(--cta); stroke-width: 3.5; stroke-linecap: round; stroke-linejoin: round; }
.thanks h2 { color: var(--navy); }
.thanks p { color: var(--ink-2); }

/* Steps */
.steps { padding: 40px 0; background: #f3f8fd; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.steps h2, .faq h2 { font-size: 1.6rem; color: var(--navy); text-align: center; margin-bottom: 24px; }
.step-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; }
.step-list li { text-align: center; padding: 0 8px; }
.step-list h3 { font-size: 1.1rem; margin: 10px 0 4px; }
.step-list p { margin: 0; color: var(--ink-2); }
.num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: #e3ecf6; color: var(--navy-2); font-weight: 800; }

/* FAQ + privacy */
.faq { padding: 40px 0 16px; }
details { background: #fff; border: 1px solid var(--line); border-radius: 10px; margin-bottom: 10px; }
summary { cursor: pointer; padding: 14px 16px; font-weight: 600; list-style: none; position: relative; padding-right: 40px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 16px; top: 50%; transform: translateY(-50%); font-size: 1.3rem; font-weight: 400; color: var(--muted); }
details[open] summary::after { content: "\2212"; }
details > p, .privacy-body { padding: 0 16px 14px; margin: 0; color: var(--ink-2); }
.privacy-body p { margin: 0 0 10px; font-size: .92rem; }
.privacy { padding: 8px 0 32px; }

.footer { background: var(--navy); color: #d7e1ec; padding: 28px 0; font-size: .9rem; }
.footer p { margin: 0 0 8px; }
.footer .muted { color: #a9bacc; font-size: .8rem; }
.footer a { color: #fff; }

/* Larger screens */
@media (min-width: 900px) {
  .hero { padding: 56px 0 64px; }
  .hero-grid { grid-template-columns: 1fr 460px; gap: 48px; align-items: start; }
  .hero-copy { padding-top: 24px; }
  .card { padding: 28px 26px; }
  .step-list { grid-template-columns: repeat(3, 1fr); }
}

/* Small phones: stack the city/state/zip row */
@media (max-width: 420px) {
  .row.three { grid-template-columns: 1fr 1fr; }
  .row.three .field:first-child { grid-column: 1 / -1; }
  .topbar-phone span { display: none; }
  .topbar-phone svg { width: 22px; height: 22px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation-duration: 0s !important; }
}