:root {
  --brand: #0e9f6e;
  --brand-dark: #047857;
  --brand-soft: #e7f8f0;
  --accent: #ffb020;
  --accent-dark: #e69500;
  --accent-soft: #fff6e0;
  --accent-ink: #1f2937;
  --ok: #0e9f6e;
  --ink: #13231c;
  --muted: #56645d;
  --line: #e3ebe7;
  --bg-soft: #f5faf7;
  --radius: 20px;
  --card-radius-lg: 26px;
  --input-radius: 14px;
  --btn-radius: 999px;
  --mark-radius: 50%;
  --mark-bg: linear-gradient(135deg,#0e9f6e,#34d399);
  --head-weight: 900;
  --head-tracking: -0.02em;
  --hero-bg: radial-gradient(700px 420px at 92% 0%, #fff1cc, transparent 70%), radial-gradient(800px 520px at 0% 100%, #d9f5e8, transparent 70%), #fbfdfc;
  --hero-ink: #13231c;
  --hero-muted: #56645d;
  --hl: #0e9f6e;
  --shadow: 0 14px 34px -16px rgba(4, 80, 50, 0.25);
  --step-bg: #0e9f6e;
  --panel-bg: linear-gradient(150deg,#047857,#0e9f6e);
  --cta-bg: #063d2b;
  --footer-bg: #062a1e;
  --footer-ink: #b5cfc4;
  --footer-line: #16402f;
  --footer-accent: #ffb020;
  --font: "Nunito", system-ui, sans-serif;
  --font-head: "Nunito", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--brand); }
h1, h2, h3 { font-family: var(--font-head); line-height: 1.15; letter-spacing: var(--head-tracking); margin: 0 0 0.5em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: var(--head-weight); }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); font-weight: var(--head-weight); }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: min(1140px, 100% - 32px); margin-inline: auto; }
.section { padding: 88px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { max-width: 660px; margin-bottom: 44px; }
.section-head.center { text-align: center; margin-inline: auto; }
.eyebrow {
  display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--brand); background: var(--brand-soft); padding: 6px 12px; border-radius: 999px; margin-bottom: 16px;
}
.lead { font-size: 1.15rem; color: var(--muted); }
.muted { color: var(--muted); }
.no-mt { margin-top: 0; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--brand); color: #fff; text-decoration: none; font-family: inherit;
  font-weight: 700; font-size: 1rem; padding: 14px 26px; border-radius: var(--btn-radius); border: 0; cursor: pointer;
  transition: background 0.15s, transform 0.15s;
}
.btn:hover { background: var(--brand-dark); transform: translateY(-1px); }
.btn-accent { background: var(--accent); color: var(--accent-ink); }
.btn-accent:hover { background: var(--accent-dark); }
.btn-sm { padding: 9px 18px; font-size: 0.92rem; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 70px; }
.brand {
  display: flex; align-items: center; gap: 10px; font-family: var(--font-head);
  font-weight: 800; font-size: 1.3rem; color: var(--ink); text-decoration: none; letter-spacing: -0.01em;
}
.brand .wm b { color: var(--brand); font-weight: inherit; }
.brand .mark {
  width: 34px; height: 34px; border-radius: var(--mark-radius);
  background: var(--mark-bg); display: grid; place-items: center; color: #fff; flex-shrink: 0;
}
.brand .mark svg { width: 20px; height: 20px; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: var(--muted); text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.nav-links a:hover, .nav-links a.active { color: var(--ink); }
.nav-links a.btn { color: #fff; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; color: var(--ink); }

/* Hero */
.hero { padding: 80px 0 96px; background: var(--hero-bg); color: var(--hero-ink); }
.hero .lead { color: var(--hero-muted); }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.hero h1 .hl { color: var(--hl); }
.trust-row { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 28px; color: var(--hero-muted); font-size: 0.92rem; }
.trust-row span { display: flex; align-items: center; gap: 6px; }
.trust-row svg { width: 18px; height: 18px; color: var(--ok); flex-shrink: 0; }

.quote-card {
  background: #fff; color: var(--ink); border: 1px solid var(--line); border-radius: var(--card-radius-lg);
  box-shadow: var(--shadow); padding: 32px;
}
.quote-card h2 { font-size: 1.5rem; }
.quote-card .step-tag { font-size: 0.8rem; font-weight: 700; color: var(--brand); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 6px; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field label, .field .label { font-weight: 600; font-size: 0.92rem; }
.field input, .field select, .field textarea {
  font: inherit; padding: 13px 14px; border: 1.5px solid var(--line); border-radius: var(--input-radius); background: #fff; color: var(--ink); width: 100%;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-soft); }
.pill-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.pill-grid input { position: absolute; opacity: 0; pointer-events: none; }
.pill-grid label {
  padding: 12px 8px; border: 1.5px solid var(--line); border-radius: var(--input-radius);
  font-size: 0.92rem; font-weight: 600; cursor: pointer; text-align: center; transition: border-color 0.15s, background 0.15s;
}
.pill-grid input:checked + label { border-color: var(--brand); background: var(--brand-soft); color: var(--brand-dark); }
.pill-grid input:focus-visible + label { outline: 2px solid var(--brand); outline-offset: 2px; }
.quote-card .btn { width: 100%; }
.fineprint { font-size: 0.78rem; color: var(--muted); margin-top: 12px; line-height: 1.5; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding: 36px 0; border-bottom: 1px solid var(--line); }
.stat strong { display: block; font-family: var(--font-head); font-size: 2rem; font-weight: 800; letter-spacing: -0.02em; color: var(--brand-dark); }
.stat span { color: var(--muted); font-size: 0.92rem; }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px;
  text-decoration: none; color: inherit; transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s;
}
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: transparent; }
.icon {
  width: 48px; height: 48px; border-radius: var(--input-radius); display: grid; place-items: center;
  background: var(--brand-soft); color: var(--brand); margin-bottom: 18px;
}
.icon.accent { background: var(--accent-soft); color: var(--accent-dark); }
.icon svg { width: 24px; height: 24px; }
.card p { color: var(--muted); font-size: 0.97rem; }
.card .more { font-weight: 700; color: var(--brand); font-size: 0.95rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: step; }
.step { padding: 28px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.step::before {
  counter-increment: step; content: counter(step); display: grid; place-items: center; width: 40px; height: 40px;
  border-radius: 50%; background: var(--step-bg); color: #fff; font-weight: 800; margin-bottom: 16px;
}
.step p { color: var(--muted); margin: 0; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 0 0 28px; }
.checklist li { display: flex; gap: 12px; margin-bottom: 14px; }
.checklist svg { width: 22px; height: 22px; color: var(--ok); flex-shrink: 0; margin-top: 2px; }
.panel { background: var(--panel-bg); border-radius: var(--card-radius-lg); padding: 40px; color: #fff; box-shadow: var(--shadow); }
.panel h3 { font-size: 1.4rem; }
.panel p { opacity: 0.9; }
.panel .tip { background: rgba(255, 255, 255, 0.13); border-radius: var(--input-radius); padding: 16px 18px; margin-top: 14px; font-size: 0.95rem; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 32px; background: #fff; border: 1px solid var(--line); border-radius: var(--card-radius-lg); padding: 36px; box-shadow: var(--shadow); }
.calc-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.calc-result { background: var(--brand-soft); border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column; justify-content: center; }
.calc-result .amount { font-family: var(--font-head); font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; color: var(--brand-dark); line-height: 1.1; margin: 6px 0 12px; }
.calc-result p { color: var(--muted); font-size: 0.9rem; margin: 0 0 16px; }

/* FAQ */
.faq { max-width: 780px; margin-inline: auto; }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq summary { cursor: pointer; font-weight: 700; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--brand); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "\2013"; }
.faq details p { color: var(--muted); margin: 12px 0 0; }

/* CTA band */
.cta-band { background: var(--cta-bg); color: #fff; border-radius: var(--card-radius-lg); padding: 56px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.cta-band h2 { margin: 0 0 8px; }
.cta-band p { margin: 0; opacity: 0.8; }

/* Page hero */
.page-hero { padding: 72px 0 48px; background: var(--bg-soft); border-bottom: 1px solid var(--line); }
.page-hero .lead { max-width: 680px; }

/* Guide topics */
.topic { display: grid; grid-template-columns: 280px 1fr; gap: 48px; padding: 56px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 90px; }
.topic:last-child { border-bottom: 0; }
.topic-side .icon { width: 56px; height: 56px; }
.topic-side .icon svg { width: 28px; height: 28px; }
.topic-side h2 { font-size: 1.6rem; }
.topic-side .tag { font-size: 0.85rem; color: var(--muted); }
.topic-body h3 { margin-top: 1.4em; }
.topic-body ul { padding-left: 20px; color: var(--muted); }
.topic-body li { margin-bottom: 6px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 18px 0 0; }
.chips a { font-size: 0.88rem; padding: 7px 14px; border-radius: 999px; border: 1px solid var(--line); text-decoration: none; color: var(--ink); font-weight: 600; background: #fff; }
.chips a:hover { border-color: var(--brand); color: var(--brand); }
.notice { background: var(--accent-soft); border-left: 4px solid var(--accent); padding: 14px 18px; border-radius: 8px; margin-top: 22px; color: var(--ink); font-size: 0.95rem; }

/* Prose (legal) */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.4rem; margin-top: 2em; }
.prose p, .prose li { color: #3a3f4b; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 56px; }
.form-note { background: #e8f8f1; color: #0b7a57; padding: 14px 16px; border-radius: 12px; font-weight: 600; }

/* Footer */
.site-footer { background: var(--footer-bg); color: var(--footer-ink); padding: 64px 0 32px; margin-top: 88px; font-size: 0.93rem; }
.site-footer .brand { color: #fff; }
.site-footer .brand .wm b { color: var(--footer-accent); }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.site-footer h4 { color: #fff; font-size: 0.95rem; margin: 0 0 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.site-footer a { color: var(--footer-ink); text-decoration: none; }
.site-footer a:hover { color: #fff; }
.footer-blurb { margin-top: 14px; max-width: 300px; opacity: 0.85; }
.disclaimer { border-top: 1px solid var(--footer-line); padding-top: 24px; font-size: 0.8rem; line-height: 1.6; opacity: 0.8; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid, .split, .contact-grid, .calc { grid-template-columns: 1fr; }
  .card-grid, .steps { grid-template-columns: 1fr 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .topic { grid-template-columns: 1fr; gap: 16px; }
  .cta-band { flex-direction: column; align-items: flex-start; padding: 40px 28px; }
}
@media (max-width: 720px) {
  .section { padding: 64px 0; }
  .hero { padding: 48px 0 64px; }
  .nav-toggle { display: block; }
  .nav-links {
    display: none; position: absolute; top: 70px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 16px 16px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 0; }
  .nav-links a.btn { margin-top: 8px; }
  .card-grid, .steps, .calc-fields { grid-template-columns: 1fr; }
  .quote-card, .calc { padding: 24px; }
  .footer-grid { grid-template-columns: 1fr; }
}