:root {
  --navy: #1b2d60;
  --gold: #c5ad5c;
  --gold-light: #d4c07a;
  --text: #2c2c2c;
  --text-dark: #0d0d0d;
  --text-muted: #5a5a5a;
  --text-light: #7a7a7a;
  --bg-light: #f5f4ef;
  --bg-white: #ffffff;
  --border-light: #e8e8e4;
  --font-display: "Instrument Serif", Georgia, serif;
  --font-body: "DM Sans", system-ui, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { background: var(--bg-white); color: var(--text); font-family: var(--font-body); -webkit-font-smoothing: antialiased; }
.container { margin: 0 auto; max-width: 1120px; padding: 0 2rem; }

nav { background: rgba(255,255,255,.96); border-bottom: 1px solid var(--border-light); position: sticky; top: 0; z-index: 10; }
nav .container { align-items: center; display: flex; gap: 1.5rem; justify-content: space-between; min-height: 72px; }
.logo-link { align-items: center; display: inline-flex; text-decoration: none; }
.logo-img { display: block; height: 30px; width: auto; }
.tagline { color: #2A3F7A; font-size: .75rem; font-style: italic; letter-spacing: .02em; margin-left: -1rem; white-space: nowrap; }
.mobile-toggle { background: none; border: 0; color: var(--navy); cursor: pointer; display: none; padding: .35rem; }
.mobile-toggle svg { display: block; height: 26px; width: 26px; }
.nav-links { align-items: center; display: flex; gap: 1.2rem; list-style: none; }
.nav-links a { color: var(--text-muted); font-size: .84rem; font-weight: 600; text-decoration: none; white-space: nowrap; }
.nav-links a:hover { color: var(--navy); }
.nav-cta { border: 1.5px solid var(--navy); border-radius: 4px; color: var(--navy) !important; padding: .52rem .95rem; }
.nav-dropdown-wrap { position: relative; }
.nav-dropdown-trigger { align-items: center; cursor: pointer; display: inline-flex; gap: .3rem; }
.nav-dropdown-trigger svg { height: 12px; transition: transform .2s ease; width: 12px; }
.nav-dropdown-wrap:hover .nav-dropdown-trigger svg { transform: rotate(180deg); }
.nav-dropdown-menu { background: var(--bg-white); border: 1px solid var(--border-light); border-radius: 4px; box-shadow: 0 4px 20px rgba(27,45,96,.1); display: none; left: 50%; list-style: none; min-width: 220px; padding: .4rem 0; position: absolute; top: calc(100% + .75rem); transform: translateX(-50%); z-index: 20; }
.nav-dropdown-menu::before { content: ""; height: .75rem; left: 0; position: absolute; right: 0; top: -.75rem; }
.nav-dropdown-wrap:hover .nav-dropdown-menu { display: block; }
.nav-dropdown-menu li a { display: block; font-size: .85rem; padding: .6rem 1.25rem; }
.nav-dropdown-menu li a:hover { background: var(--bg-light); }
.nav-tool-links { display: none; }

.hero { background: linear-gradient(180deg, #fff 0%, var(--bg-light) 100%); padding: 6.5rem 0 5rem; }
.breadcrumb { color: var(--text-light); font-size: .78rem; font-weight: 600; margin-bottom: 2rem; }
.breadcrumb a { color: var(--text-light); text-decoration: none; }
.eyebrow { color: var(--gold); font-size: .72rem; font-weight: 700; letter-spacing: .18em; margin-bottom: 1.2rem; text-transform: uppercase; }
h1 { color: var(--text-dark); font-family: var(--font-display); font-size: clamp(2.55rem, 5vw, 4.6rem); font-weight: 400; line-height: 1.05; max-width: 880px; }
.lead { color: var(--text-muted); font-size: 1.13rem; line-height: 1.75; margin-top: 1.5rem; max-width: 740px; }
.actions { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 2.2rem; }
.btn-primary, .btn-secondary { align-items: center; border-radius: 4px; display: inline-flex; font-size: .92rem; font-weight: 700; justify-content: center; min-height: 46px; padding: .8rem 1.35rem; text-decoration: none; }
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-light); }
.btn-secondary { border: 1.5px solid var(--navy); color: var(--navy); }

.answer-summary { background: var(--bg-light); border-bottom: 1px solid var(--border-light); padding: 2.75rem 0; }
.answer-summary-box { background: var(--bg-white); border: 1px solid var(--border-light); border-radius: 8px; max-width: 880px; padding: 1.5rem 1.75rem; }
.answer-summary-box h2 { color: var(--navy); font-size: 1.2rem; font-weight: 700; margin-bottom: .75rem; }
.answer-summary-box p { color: var(--text-muted); font-size: .96rem; line-height: 1.7; margin-bottom: .85rem; }
.answer-summary-box p:last-child { margin-bottom: 0; }
.answer-summary-box a { color: var(--navy); font-weight: 700; }

.summary { background: var(--navy); color: #fff; padding: 3.5rem 0; }
.summary-grid { display: grid; gap: 1px; grid-template-columns: repeat(4, 1fr); overflow: hidden; border: 1px solid rgba(255,255,255,.14); border-radius: 8px; }
.summary-item { background: rgba(255,255,255,.06); padding: 1.25rem; }
.summary-label { color: rgba(255,255,255,.55); font-size: .68rem; font-weight: 700; letter-spacing: .16em; margin-bottom: .45rem; text-transform: uppercase; }
.summary-value { color: #fff; font-size: .95rem; font-weight: 700; line-height: 1.45; }

.section { padding: 5.5rem 0; }
.section.alt { background: var(--bg-light); }
.section h2 { color: var(--navy); font-size: clamp(1.8rem, 3vw, 2.5rem); font-weight: 300; line-height: 1.2; margin-bottom: 2rem; }
.section-intro { color: var(--text-muted); font-size: 1rem; line-height: 1.75; margin: -1rem 0 2rem; max-width: 760px; }
.grid { display: grid; gap: 1.25rem; grid-template-columns: repeat(3, 1fr); }
.grid.two { grid-template-columns: repeat(2, 1fr); }
.card { background: var(--bg-white); border: 1px solid var(--border-light); border-radius: 8px; padding: 1.55rem; }
.card h3 { color: var(--navy); font-size: 1rem; font-weight: 700; line-height: 1.35; margin-bottom: .7rem; }
.card p, .card li { color: var(--text-muted); font-size: .92rem; line-height: 1.65; }
.card ul { margin-left: 1rem; }
.steps { counter-reset: step; display: grid; gap: 1rem; }
.step { background: var(--bg-white); border: 1px solid var(--border-light); border-radius: 8px; display: grid; gap: 1rem; grid-template-columns: 56px 1fr; padding: 1.25rem; }
.step::before { align-items: center; background: var(--bg-light); border-radius: 50%; color: var(--gold); content: counter(step); counter-increment: step; display: flex; font-family: var(--font-display); font-size: 1.8rem; font-style: italic; justify-content: center; width: 48px; height: 48px; }
.step h3 { color: var(--navy); font-size: 1rem; margin-bottom: .35rem; }
.step p { color: var(--text-muted); font-size: .92rem; line-height: 1.65; }
.note { border-left: 3px solid var(--gold); color: var(--text-muted); line-height: 1.75; margin-top: 2rem; padding: .3rem 0 .3rem 1.25rem; }

.cta { background: var(--navy); color: #fff; padding: 5rem 0; text-align: center; }
.cta h2 { color: #fff; font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem); font-weight: 400; margin-bottom: 1rem; }
.cta p { color: rgba(255,255,255,.72); line-height: 1.7; margin: 0 auto 2rem; max-width: 620px; }
footer { background: var(--bg-white); border-top: 1px solid var(--border-light); padding: 2.5rem 0 2rem; }
.footer-signup { border-bottom: 1px solid var(--border-light); margin: 0 auto 1.5rem; max-width: 760px; padding-bottom: 1.5rem; text-align: center; }
.footer-signup-text { color: var(--text-muted); font-size: .9rem; line-height: 1.5; margin: 0 auto .85rem; white-space: nowrap; }
.footer-signup-form { display: flex; gap: .65rem; justify-content: center; margin: 0 auto; max-width: 520px; }
.footer-email-input { border: 1px solid var(--border-light); border-radius: 4px; color: var(--text); flex: 1; font: inherit; min-height: 44px; padding: .75rem .9rem; }
.footer-signup-btn { background: var(--navy); border: 0; border-radius: 4px; color: #fff; cursor: pointer; font: inherit; font-size: .86rem; font-weight: 700; min-height: 44px; padding: .75rem 1rem; }
.footer-content { align-items: center; display: flex; gap: 1.5rem; justify-content: space-between; }
.footer-content p, .footer-content a { color: var(--text-light); font-size: .76rem; text-decoration: none; }
.footer-right { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: flex-end; }

@media (max-width: 820px) {
  .container { padding: 0 1.25rem; }
  nav .container { min-height: 64px; position: relative; }
  .tagline { display: none; }
  .mobile-toggle { display: block; }
  .nav-links { background: var(--bg-white); border-bottom: 1px solid var(--border-light); box-shadow: 0 12px 24px rgba(27,45,96,.08); display: none; flex-direction: column; gap: 0; left: 0; padding: .75rem 1.25rem 1rem; position: absolute; right: 0; top: 100%; }
  .nav-links.open { display: flex; }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: .7rem 0; white-space: normal; }
  .nav-dropdown-wrap { display: none; }
  .nav-tool-links { display: block; }
  .hero { padding: 4rem 0 3.5rem; }
  .summary-grid, .grid, .grid.two { grid-template-columns: 1fr; }
  .step { grid-template-columns: 1fr; }
  .footer-signup-text { white-space: normal; }
  .footer-signup-form { flex-direction: column; }
  .footer-content { align-items: flex-start; flex-direction: column; gap: .75rem; }
  .footer-right { justify-content: flex-start; }
}