:root {
  --navy: #071b2d;
  --navy-2: #0b2942;
  --navy-3: #123953;
  --aqua: #78d7e8;
  --aqua-deep: #087c8b;
  --gold: #d9b66f;
  --paper: #f5f8f9;
  --white: #ffffff;
  --ink: #152735;
  --muted: #5c6f7c;
  --line: #dbe5e8;
  --soft: #e9f1f3;
  --success: #0f766e;
  --warning: #94640d;
  --shadow: 0 24px 70px rgba(7, 27, 45, .09);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "DM Sans", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  font-size: 16px;
  line-height: 1.68;
}
body.menu-open { overflow: hidden; }
a { color: inherit; text-underline-offset: 3px; }
img, svg { max-width: 100%; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.narrow { width: min(820px, calc(100% - 40px)); margin-inline: auto; }
.skip-link { position: fixed; left: 16px; top: -60px; z-index: 100; background: var(--white); color: var(--navy); padding: 10px 14px; }
.skip-link:focus { top: 16px; }

.site-header { background: var(--navy); color: var(--white); position: relative; z-index: 20; }
.nav { height: 86px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 13px; text-decoration: none; min-width: 245px; }
.brand-mark { width: 32px; height: 32px; border: 1px solid var(--aqua); transform: rotate(45deg); display: grid; place-items: center; flex: 0 0 auto; }
.brand-mark::after { content: ""; width: 11px; height: 11px; background: var(--aqua); }
.brand-copy { display: grid; line-height: 1.12; }
.brand-copy strong { font-family: Manrope, Arial, sans-serif; font-size: .98rem; letter-spacing: -.02em; }
.brand-copy small { color: #9fb5c2; font-size: .69rem; margin-top: 4px; }
.nav-links { display: flex; align-items: center; justify-content: flex-end; gap: 25px; }
.nav-links a { color: #d5e1e8; text-decoration: none; font-size: .91rem; white-space: nowrap; }
.nav-links a:hover, .nav-links a:focus-visible { color: var(--aqua); }
.nav-links .nav-cta { color: var(--navy); background: var(--aqua); padding: 11px 17px; border-radius: 3px; font-weight: 700; }
.nav-toggle { display: none; color: var(--white); border: 1px solid #3a5669; background: transparent; border-radius: 3px; padding: 9px 12px; }

.hero { overflow: hidden; position: relative; background: var(--navy); color: var(--white); }
.hero::after { content: ""; position: absolute; width: 610px; height: 610px; border: 1px solid rgba(120, 215, 232, .15); border-radius: 50%; right: -155px; top: -60px; box-shadow: 0 0 0 70px rgba(120, 215, 232, .025), 0 0 0 145px rgba(120, 215, 232, .018); pointer-events: none; }
.hero-grid { min-height: 620px; padding: 92px 0 100px; display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(250px, .65fr); gap: 80px; align-items: center; position: relative; z-index: 1; }
.eyebrow { color: var(--aqua); text-transform: uppercase; font-size: .77rem; letter-spacing: .15em; font-weight: 700; }
h1, h2, h3 { font-family: Manrope, Arial, sans-serif; text-wrap: balance; }
h1 { font-size: clamp(2.65rem, 5vw, 4.85rem); line-height: 1.04; letter-spacing: -.055em; margin: 20px 0 25px; max-width: 900px; }
.hero-copy { color: #c0d0d9; font-size: 1.13rem; max-width: 760px; }
.actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 34px; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 49px; padding: 12px 20px; border-radius: 3px; border: 1px solid transparent; text-decoration: none; font-weight: 700; transition: transform .18s ease, background .18s ease, border-color .18s ease; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--aqua); color: var(--navy); }
.btn-primary:hover { background: #93e1ee; }
.btn-secondary { color: var(--white); border-color: #486174; }
.btn-light { background: var(--white); color: var(--navy); border-color: var(--line); }
.hero-aside { align-self: end; border-left: 1px solid #365267; padding-left: 30px; margin-bottom: 10px; }
.hero-aside strong { display: block; color: var(--gold); font-family: Manrope, Arial, sans-serif; font-size: 1.03rem; margin: 18px 0 4px; }
.hero-aside span { color: #9fb4c1; font-size: .9rem; }
.editor-line { margin-top: 28px; color: #93aab8; font-size: .84rem; }
.editor-line strong { color: #dae5ea; }

.page-hero .hero-grid { min-height: 455px; padding: 72px 0 82px; grid-template-columns: 1fr .42fr; }
.page-hero h1 { font-size: clamp(2.4rem, 4.6vw, 4.25rem); }
.breadcrumb { color: #91a9b6; font-size: .83rem; margin-bottom: 20px; }
.breadcrumb a { color: #bdd0d9; }
.keynote { border-left: 2px solid var(--gold); padding-left: 25px; color: #b9ccd6; font-size: .97rem; }

.section { padding: 92px 0; }
.section-white { background: var(--white); }
.section-soft { background: var(--soft); }
.section-dark { background: var(--navy); color: var(--white); }
.section-label { color: #54707e; font-size: .75rem; text-transform: uppercase; letter-spacing: .14em; font-weight: 700; }
.section-dark .section-label { color: var(--aqua); }
.section h2 { font-size: clamp(2rem, 3.7vw, 3.35rem); line-height: 1.13; letter-spacing: -.045em; margin: 15px 0 25px; }
.section h3 { font-size: 1.25rem; line-height: 1.3; letter-spacing: -.02em; }
.lead { color: #395262; font-size: 1.17rem; }
.section-dark .lead, .section-dark p { color: #b8cad5; }
.intro-grid, .split { display: grid; grid-template-columns: .85fr 1.15fr; gap: 82px; align-items: start; }
.split.equal { grid-template-columns: 1fr 1fr; }
.content p { margin: 0 0 1.1em; }
.content ul { padding-left: 1.25rem; }
.content li { margin: .48rem 0; }
.note { border-left: 3px solid var(--gold); padding: 5px 0 5px 21px; margin: 28px 0; color: #4d626f; }
.section-dark .note { color: #c5d5dc; }
.warning { background: #fff8e9; border: 1px solid #ead7a9; color: #63480e; padding: 18px 20px; margin: 28px 0; }

.myths, .cards, .related-grid, .guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 40px; }
.myths { grid-template-columns: repeat(2, 1fr); }
.card, .myth, .related-card { background: var(--white); border: 1px solid var(--line); padding: 30px; }
.card { min-height: 260px; }
.card .index { color: #718994; font-size: .73rem; letter-spacing: .11em; }
.card h3 { margin: 40px 0 12px; }
.card p, .myth p, .related-card p { color: var(--muted); font-size: .94rem; }
.myth { border-top: 3px solid var(--navy); min-height: 205px; }
.myth h3 { margin-top: 0; }
.related-card { display: flex; flex-direction: column; min-height: 230px; }
.related-card a { margin-top: auto; font-weight: 700; color: var(--aqua-deep); }
.guide-grid { grid-template-columns: repeat(2, 1fr); }
.guide-card { background: var(--white); border: 1px solid var(--line); padding: 28px; display: grid; grid-template-columns: auto 1fr; gap: 18px; text-decoration: none; }
.guide-card:hover { border-color: #97bac3; box-shadow: 0 12px 30px rgba(7, 27, 45, .06); }
.guide-number { color: var(--gold); font-family: Manrope, Arial, sans-serif; font-size: 1.2rem; }
.guide-card h3 { margin: 0 0 7px; }
.guide-card p { margin: 0; color: var(--muted); font-size: .92rem; }

.comparison-wrap { overflow-x: auto; margin-top: 36px; border: 1px solid var(--line); background: var(--white); }
.comparison { width: 100%; border-collapse: collapse; min-width: 690px; }
.comparison th, .comparison td { text-align: left; padding: 17px 19px; border-bottom: 1px solid var(--line); vertical-align: top; }
.comparison th { background: var(--navy); color: var(--white); font-family: Manrope, Arial, sans-serif; }
.comparison th:first-child { color: var(--aqua); }
.comparison tr:last-child td { border-bottom: 0; }
.comparison td:first-child { font-weight: 700; color: #334c5c; }
.table-note { color: var(--muted); font-size: .84rem; margin-top: 12px; }

.triangle-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 75px; align-items: center; }
.diagram { position: relative; height: 400px; }
.diagram-node { position: absolute; width: 180px; padding: 15px; border: 1px solid #486379; background: var(--navy-2); color: var(--white); text-align: center; font-size: .88rem; z-index: 2; }
.diagram-node.one { left: 50%; top: 7px; transform: translateX(-50%); }
.diagram-node.two { left: 0; bottom: 18px; }
.diagram-node.three { right: 0; bottom: 18px; }
.diagram-lines { position: absolute; inset: 68px 80px 74px; border-left: 1px solid var(--aqua); border-right: 1px solid var(--aqua); border-bottom: 1px solid var(--aqua); transform: perspective(220px) rotateX(18deg); }
.diagram-center { position: absolute; left: 50%; top: 52%; transform: translate(-50%, -50%); width: 125px; height: 125px; display: grid; place-items: center; text-align: center; border-radius: 50%; background: var(--aqua); color: var(--navy); font-family: Manrope, Arial, sans-serif; font-weight: 800; z-index: 3; }
.dash-list { list-style: none; padding: 0; margin: 25px 0; }
.dash-list li { padding: 13px 0; border-top: 1px solid #2a4559; }
.dash-list li::before { content: "—"; color: var(--gold); margin-right: 11px; }

.amount-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; margin-top: 34px; }
.amount-option { background: var(--white); color: var(--navy); border: 1px solid #ccdade; min-height: 78px; padding: 13px; font-weight: 700; text-align: left; text-decoration: none; display: flex; align-items: flex-end; }
.amount-option:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }

.faq { max-width: 850px; margin-inline: auto; }
.faq details { border-top: 1px solid var(--line); padding: 22px 0; }
.faq details:last-of-type { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 20px; font-family: Manrope, Arial, sans-serif; font-weight: 700; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: #6e8794; font-size: 1.35rem; }
.faq details[open] summary::after { content: "−"; }
.faq details p { color: var(--muted); }

.sources { border-top: 1px solid var(--line); padding-top: 24px; margin-top: 45px; color: var(--muted); font-size: .84rem; }
.sources a { margin-right: 14px; }
.updated { display: inline-block; color: #748791; font-size: .79rem; margin-top: 18px; }

.cta-band { background: var(--navy); color: var(--white); padding: 75px 0; }
.cta-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 65px; align-items: center; }
.cta-grid h2 { font-size: clamp(2rem, 4vw, 3.3rem); line-height: 1.12; letter-spacing: -.045em; margin: 0 0 17px; }
.cta-grid p { color: #b8cad5; }
.cta-panel { background: var(--white); color: var(--ink); padding: 27px; }
.cta-panel strong { display: block; font-family: Manrope, Arial, sans-serif; }
.cta-panel small { color: var(--muted); }
.cta-panel .btn { width: 100%; margin-top: 20px; }

.quiz-shell { display: grid; grid-template-columns: .65fr 1.35fr; gap: 28px; align-items: start; }
.quiz-sidebar { background: var(--navy); color: var(--white); padding: 30px; position: sticky; top: 22px; }
.quiz-sidebar p { color: #a9bec9; font-size: .93rem; }
.progress-track { height: 7px; background: #28465a; margin: 24px 0 10px; }
.progress-bar { height: 100%; width: 14.28%; background: var(--aqua); transition: width .25s ease; }
.progress-copy { color: #9fb5c2; font-size: .8rem; }
.quiz-card { background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow); padding: 38px; min-height: 470px; }
.quiz-step { display: none; }
.quiz-step.active { display: block; animation: enter .24s ease; }
@keyframes enter { from { opacity: 0; transform: translateY(5px); } to { opacity: 1; transform: none; } }
.quiz-step h2 { font-size: clamp(1.55rem, 3vw, 2.25rem); margin-top: 0; }
.option-list { display: grid; gap: 10px; margin: 28px 0; }
.option { display: flex; align-items: center; gap: 13px; padding: 15px 17px; border: 1px solid var(--line); cursor: pointer; background: #fbfdfd; }
.option:hover { border-color: #8eb7c2; }
.option input { accent-color: var(--aqua-deep); width: 18px; height: 18px; }
.quiz-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; }
.quiz-actions .btn { background: transparent; border-color: var(--line); color: var(--ink); }
.quiz-actions .next { margin-left: auto; background: var(--navy); color: var(--white); border-color: var(--navy); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 6px; margin-bottom: 15px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 700; font-size: .9rem; }
.field input, .field textarea, .field select { width: 100%; padding: 13px 14px; border: 1px solid #bfcfd5; background: var(--white); color: var(--ink); border-radius: 2px; }
.field textarea { min-height: 125px; resize: vertical; }
.consent { display: flex; gap: 10px; align-items: flex-start; color: var(--muted); font-size: .84rem; }
.consent input { margin-top: 5px; }
.error { color: #a32727; font-size: .88rem; min-height: 1.4em; }
.result { display: none; }
.result.active { display: block; }
.result-badge { display: inline-block; background: #dff3f0; color: var(--success); padding: 7px 11px; font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.result h2 { font-size: clamp(1.8rem, 3.5vw, 2.75rem); }
.result-summary { background: var(--paper); padding: 18px; color: var(--muted); font-size: .9rem; white-space: pre-line; }

.contact-grid { display: grid; grid-template-columns: .75fr 1.25fr; gap: 35px; align-items: start; }
.contact-details { background: var(--navy); color: var(--white); padding: 32px; }
.contact-details a { color: var(--aqua); }
.contact-details p { color: #b8cad5; }
.contact-form { background: var(--white); border: 1px solid var(--line); padding: 34px; }
.hubspot-contact-form { min-height: 680px; }
.hubspot-contact-form .hs-form-frame { width: 100%; }
.hubspot-contact-form noscript { display: block; color: var(--muted); }
.contact-status { display: none; background: #e6f3f1; color: var(--success); padding: 15px; margin-top: 17px; }
.contact-status.active { display: block; }

.site-footer { background: #031421; color: #8ea4b0; padding: 55px 0 30px; font-size: .86rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 55px; }
.footer-grid h3 { color: var(--white); font-size: .95rem; margin: 0 0 15px; }
.footer-grid a { display: block; color: #a8bbc5; text-decoration: none; margin: 8px 0; }
.footer-grid a:hover { color: var(--aqua); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; border-top: 1px solid #203a4b; margin-top: 40px; padding-top: 24px; font-size: .78rem; }

@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .nav-links { position: fixed; inset: 86px 0 auto; background: var(--navy); border-top: 1px solid #284558; padding: 24px 20px 30px; display: none; flex-direction: column; align-items: stretch; gap: 0; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px; }
  .nav-links .nav-cta { text-align: center; margin-top: 10px; }
  .hero-grid, .page-hero .hero-grid { grid-template-columns: 1fr; min-height: auto; gap: 34px; }
  .hero-aside { display: none; }
  .cards, .related-grid { grid-template-columns: repeat(2, 1fr); }
  .amount-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 760px) {
  .wrap, .narrow { width: min(100% - 28px, 1160px); }
  .nav { height: 76px; }
  .nav-links { inset-block-start: 76px; }
  .brand-copy small { display: none; }
  .hero-grid, .page-hero .hero-grid { padding: 62px 0 70px; }
  h1 { font-size: clamp(2.35rem, 12vw, 3.35rem); }
  .section { padding: 68px 0; }
  .intro-grid, .split, .split.equal, .triangle-layout, .cta-grid, .quiz-shell, .contact-grid, .footer-grid { grid-template-columns: 1fr; gap: 35px; }
  .cards, .myths, .related-grid, .guide-grid { grid-template-columns: 1fr; }
  .card { min-height: 0; }
  .card h3 { margin-top: 25px; }
  .diagram { height: 340px; }
  .diagram-node { width: 140px; font-size: .77rem; }
  .diagram-lines { inset: 66px 60px 72px; }
  .diagram-center { width: 104px; height: 104px; font-size: .82rem; }
  .amount-grid { grid-template-columns: 1fr 1fr; }
  .quiz-sidebar { position: static; }
  .quiz-card { padding: 25px 20px; min-height: 0; }
  .field-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}