/* Shared styles for every page. Layout: a premium ledger in the hero, then one quiet reading column that widens into tables and step lists. */
:root{
  --paper:#FFFFFF;      /* white page ground */
  --surface:#FFFFFF;    /* panels, form */
  --ink:#0B1A3F;        /* body text */
  --navy:#012674;       /* brand navy: headings, buttons */
  --blue:#03A2FE;       /* brand blue: the mark, the ledger, focus */
  --muted:#4B5A7C;      /* secondary text */
  --line:#D3DFEC;       /* rules */
  --mist:#E4EEF8;       /* quiet fills */
  --band:#FFFFFF;       /* commitments band */
  --band-ink:#012674;
  --band-muted:#4B5A7C;
  --btn-bg:#012674; --btn-ink:#FFFFFF;
  --dot-empty:#C9D7E8;
  --miss:#C2410C;       /* missed premium */
  --font-display:"Outfit","Avenir Next","Segoe UI",system-ui,sans-serif;
  --font-body:"Source Serif 4","Iowan Old Style","Georgia",serif;
  --step--1:.875rem; --step-0:1.125rem; --step-1:1.375rem; --step-2:1.75rem; --step-3:2.375rem; --step-4:clamp(2.5rem,5.6vw,4.4rem);
  --wrap:72rem;
  color-scheme:light;   /* white theme always, even when the OS is in dark mode */
}

*{box-sizing:border-box}
body{background:var(--paper);color:var(--ink);font-family:var(--font-body);font-size:var(--step-0);line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--font-display);color:var(--navy);line-height:1.08;letter-spacing:-.02em;text-wrap:balance;margin:0}
h2{font-size:var(--step-3);font-weight:600}
h3{font-size:var(--step-1);font-weight:600;letter-spacing:-.01em}
p{margin:0}
a{color:var(--navy);text-underline-offset:.18em}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
section{padding-block:clamp(4rem,9vw,7rem)}
.lede{color:var(--muted);max-width:36em}
.measure{max-width:38em}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;font-family:var(--font-display);font-weight:600;font-size:1.0625rem;padding:.9em 1.5em;border-radius:999px;background:var(--btn-bg);color:var(--btn-ink);text-decoration:none;border:2px solid var(--btn-bg);cursor:pointer;transition:transform .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn.ghost:hover{border-color:var(--navy)}

/* header */
header.top{padding-block:1.25rem}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:1.5rem}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy)}
.brand img{width:46px;height:auto;display:block}
.brand .wm{display:flex;flex-direction:column;line-height:1}
.brand .wm b{font-family:var(--font-display);font-weight:700;font-size:1.45rem;letter-spacing:-.035em}
.brand .wm span{font-family:var(--font-display);font-weight:500;font-size:.62rem;letter-spacing:.32em;margin-top:.3rem;padding-left:.1em}
nav.main{display:flex;align-items:center;gap:1.75rem;font-family:var(--font-display);font-size:1rem}
nav.main a{text-decoration:none;color:var(--muted);white-space:nowrap}
nav.main a:hover,nav.main a[aria-current=page]{color:var(--navy)}
nav.main .btn{padding:.6em 1.2em;font-size:.95rem;color:var(--btn-ink)}
@media (max-width:1200px){nav.main{gap:1.35rem}}
@media (max-width:1080px){nav.main a:not(.btn){display:none}}
nav.main .btn{white-space:nowrap}.short{display:none}
@media (max-width:520px){.long{display:none}.short{display:inline}}
.menu-toggle{display:none}
@media (max-width:768px){
  /* mobile: the nav collapses behind a burger and drops down below the header */
  header.top{position:relative;z-index:20}
  .menu-toggle{display:inline-flex;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;padding:0 10px;background:transparent;border:1px solid var(--line);border-radius:12px;cursor:pointer}
  .menu-toggle span{display:block;height:2px;border-radius:2px;background:var(--navy);transition:transform .2s ease,opacity .2s ease}
  .open .menu-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .open .menu-toggle span:nth-child(2){opacity:0}
  .open .menu-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--paper);border-block:1px solid var(--line);box-shadow:0 12px 24px -12px rgba(1,38,116,.18);padding:.5rem max(20px,env(safe-area-inset-right,0px)) 1.25rem max(20px,env(safe-area-inset-left,0px))}
  .open nav.main{display:flex}
  nav.main a:not(.btn){display:block;padding:.9rem 0;border-bottom:1px solid var(--line);font-size:1.1rem;color:var(--ink)}
  nav.main a[aria-current=page]{color:var(--navy);font-weight:600}
  nav.main .btn{display:none}
}

/* hero */
.hero{padding-block:clamp(2.5rem,6vw,5rem) clamp(4rem,8vw,6.5rem)}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(2.5rem,6vw,5rem);align-items:center}
.hero h1{font-size:var(--step-4);font-weight:600;letter-spacing:-.035em;line-height:1.02}
.hero .lede{margin-top:1.6rem;font-size:1.2rem}
.hero .actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2.2rem}
.hero .fine{margin-top:1.2rem;font-size:var(--step--1);color:var(--muted)}
@media (max-width:900px){.hero .wrap{grid-template-columns:minmax(0,1fr)}}

/* ledger */
.ledger{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:clamp(1.25rem,3vw,1.9rem);min-width:0}
.ledger h2{font-size:1.15rem;font-weight:600;letter-spacing:-.01em}
.ledger .sub{color:var(--muted);font-size:var(--step--1);margin-top:.25rem}
.grid-wrap{display:grid;grid-template-columns:auto minmax(0,1fr);gap:.5rem;margin-top:1.4rem}
.months{display:grid;grid-template-rows:repeat(12,1fr);gap:var(--g);font-family:var(--font-display);font-size:.62rem;color:var(--muted);align-items:center;line-height:1}
.dots{display:grid;grid-auto-flow:column;grid-template-rows:repeat(12,auto);grid-template-columns:repeat(var(--cols),minmax(0,1fr));gap:var(--g);max-width:calc(var(--cols) * 20px)}
.ledger{--g:3px}
.dot{aspect-ratio:1;border-radius:50%;background:var(--dot-empty);max-width:100%;transition:background-color .25s ease}
.dot.paid{background:var(--blue)}
.dot.missed{background:transparent;box-shadow:inset 0 0 0 2px var(--miss)}
.dot.future{background:transparent;box-shadow:inset 0 0 0 1px var(--line)}
.years{display:flex;justify-content:space-between;font-family:var(--font-display);font-size:.7rem;color:var(--muted);margin-top:.45rem;font-variant-numeric:tabular-nums;grid-column:2}
.ledger-read{margin-top:1.3rem;font-family:var(--font-display);font-size:1.5rem;font-weight:600;color:var(--navy);letter-spacing:-.02em;font-variant-numeric:tabular-nums;line-height:1.2}
.ledger-note{margin-top:.5rem;font-size:var(--step--1);color:var(--muted)}
.slider{margin-top:1.3rem;display:grid;gap:.4rem}
.slider label{font-family:var(--font-display);font-size:.95rem;color:var(--ink);display:flex;justify-content:space-between}
.slider output{font-variant-numeric:tabular-nums;color:var(--navy);font-weight:600}
input[type=range]{width:100%;accent-color:var(--blue)}
.key{display:flex;flex-wrap:wrap;gap:1.1rem;margin-top:1rem;font-family:var(--font-display);font-size:.8rem;color:var(--muted)}
.key span{display:inline-flex;align-items:center;gap:.4rem}
.key i{width:10px;height:10px;border-radius:50%;display:inline-block}

/* timeline */
.earlier{border-top:1px solid var(--line)}
.earlier .lede{margin-top:1rem}
.track{list-style:none;padding:0;margin:3.5rem 0 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));position:relative}
.track::before{content:"";position:absolute;left:0;right:0;top:9px;height:2px;background:linear-gradient(90deg,var(--blue) 0 72%,var(--line) 72%)}
.track li{position:relative;padding:2.4rem 1.6rem 0 0;min-width:0}
.track li::before{content:"";position:absolute;top:0;left:0;width:20px;height:20px;border-radius:50%;background:var(--paper);box-shadow:inset 0 0 0 4px var(--blue)}
.track li.end::before{box-shadow:inset 0 0 0 2px var(--muted)}
.track h3{font-size:1.2rem}
.track p{margin-top:.5rem;color:var(--muted);font-size:1rem}
.track .end h3{color:var(--muted)}
@media (max-width:760px){
  .track{grid-template-columns:minmax(0,1fr);gap:2.2rem;padding-left:2.4rem}
  .track::before{left:9px;right:auto;top:0;bottom:0;width:2px;height:auto;background:linear-gradient(180deg,var(--blue) 0 75%,var(--line) 75%)}
  .track li{padding:0}
  .track li::before{left:-2.4rem}
}

/* reasons */
.reasons{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(2rem,6vw,5rem);margin-top:clamp(4rem,8vw,6rem)}
.reasons h3{font-size:var(--step-2)}
.reasons ul{list-style:none;margin:0;padding:0;columns:2 16rem;column-gap:2.5rem}
.reasons li{break-inside:avoid;padding:.75rem 0;border-bottom:1px solid var(--line)}
.reasons .lede{margin-top:1rem}
@media (max-width:860px){.reasons{grid-template-columns:minmax(0,1fr)}}

/* comparison */
.compare{background:var(--surface);border-block:1px solid var(--line)}
.compare .lede{margin-top:1rem}
.table-scroll{overflow-x:auto;margin-top:2.5rem}
table{width:100%;border-collapse:collapse;min-width:560px;font-size:1.05rem}
th,td{text-align:left;vertical-align:top;padding:1.1rem 1.25rem 1.1rem 0;border-bottom:1px solid var(--line)}
thead th{font-family:var(--font-display);font-weight:600;color:var(--navy);font-size:1.15rem;border-bottom:2px solid var(--navy)}
tbody th{font-family:var(--font-display);font-weight:500;color:var(--muted);width:24%;font-size:1rem}
td.sell{color:var(--ink)}
@media (max-width:640px){
  /* stack each row into a card: row label on top, then both outcomes with their column label */
  .table-scroll{overflow:visible;margin-top:2rem}
  .compare table,.compare tbody,.compare tr,.compare th,.compare td{display:block;width:auto}
  .compare table{min-width:0}
  .compare thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
  .compare tbody tr{padding-block:1.25rem;border-bottom:1px solid var(--line)}
  .compare tbody tr:first-child{border-top:2px solid var(--navy)}
  .compare tbody th{padding:0 0 .75rem;border:0;font-size:1.1rem;font-weight:600;color:var(--navy)}
  .compare td{padding:.6rem 0 .6rem .9rem;border:0;border-left:3px solid var(--line)}
  .compare td + td{margin-top:.6rem}
  .compare td.sell{border-left-color:var(--navy)}
  .compare td::before{content:attr(data-label);display:block;font-family:var(--font-display);font-size:var(--step--1);font-weight:500;color:var(--muted);margin-bottom:.15rem}
}
.caution{margin-top:1.75rem;padding:1.1rem 1.25rem;background:var(--mist);border-radius:12px;max-width:44em;font-size:1rem}

/* steps */
.steps .lede{margin-top:1rem}
.phases{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.5rem,4vw,3rem);margin-top:3rem}
.phase h3{font-size:1.05rem;color:var(--muted);font-weight:500;padding-bottom:.9rem;border-bottom:2px solid var(--navy)}
.phase ol{list-style:none;margin:0;padding:0}
.phase li{display:grid;grid-template-columns:2.4rem minmax(0,1fr);gap:.5rem;padding:1.1rem 0;border-bottom:1px solid var(--line)}
.phase .n{font-family:var(--font-display);font-weight:600;font-size:1.5rem;color:var(--blue);line-height:1.1;font-variant-numeric:tabular-nums}
.phase strong{display:block;font-family:var(--font-display);font-weight:600;color:var(--navy);font-size:1.1rem;line-height:1.3}
.phase li p{color:var(--muted);font-size:1rem;margin-top:.25rem}
@media (max-width:900px){.phases{grid-template-columns:minmax(0,1fr)}}

/* assess */
.assess .wrap{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(2rem,6vw,5rem)}
.assess .lede{margin-top:1rem}
dl.factors{margin:0;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);column-gap:2.5rem}
dl.factors div{padding:1rem 0;border-top:1px solid var(--line)}
dl.factors dt{font-family:var(--font-display);font-weight:600;color:var(--navy)}
dl.factors dd{margin:.2rem 0 0;color:var(--muted);font-size:1rem}
@media (max-width:860px){.assess .wrap{grid-template-columns:minmax(0,1fr)}}
@media (max-width:520px){dl.factors{grid-template-columns:minmax(0,1fr)}}

/* inner pages */
section.page-first{padding-top:clamp(2.5rem,6vw,5rem);border-top:0}
.page-first h1{font-size:clamp(2.4rem,5vw,3.6rem);font-weight:600;letter-spacing:-.03em;line-height:1.04}
.next{padding-top:0}

/* about */
.about .intro{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(2rem,6vw,5rem)}
.about .lede{margin-top:1rem}
.about .more{margin-top:1rem;color:var(--muted);max-width:36em}
.aims{display:grid;gap:1.75rem;align-content:start}
.aims div{border-top:2px solid var(--navy);padding-top:1rem}
.aims h3{font-size:1.05rem;color:var(--muted);font-weight:500}
.aims p{margin-top:.5rem;font-family:var(--font-display);font-size:var(--step-1);font-weight:500;color:var(--navy);line-height:1.3;letter-spacing:-.01em}
.principles-title{margin-top:clamp(3rem,7vw,4.5rem)}
.principles{list-style:none;margin:1.5rem 0 0;padding:0;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:clamp(1.25rem,3vw,2rem)}
.principles li{border-top:1px solid var(--line);padding-top:1rem;min-width:0}
.principles strong{display:block;font-family:var(--font-display);font-weight:600;color:var(--navy);font-size:1.1rem;line-height:1.3}
.principles p{margin-top:.4rem;color:var(--muted);font-size:1rem}
@media (max-width:980px){.principles{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:860px){.about .intro{grid-template-columns:minmax(0,1fr)}}
@media (max-width:520px){.principles{grid-template-columns:minmax(0,1fr)}}

/* principle band */
.band{background:var(--band);color:var(--band-ink);border-block:1px solid var(--line)}
.band h2,.band h3{color:var(--band-ink)}
.band .intro{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(2rem,6vw,5rem);align-items:end}
.band .intro p{color:var(--band-muted);font-size:1.15rem}
.values{display:flex;flex-wrap:wrap;gap:.6rem 1.6rem;margin-top:2.5rem;font-family:var(--font-display);font-size:clamp(1.4rem,3vw,2rem);font-weight:500;letter-spacing:-.02em}
.values span{color:var(--band-ink)}
.promises{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(2rem,5vw,4rem);margin-top:3.5rem;padding-top:2.5rem;border-top:1px solid var(--line)}
.promises ul{list-style:none;margin:1rem 0 0;padding:0}
.promises li{padding:.7rem 0 .7rem 1.8rem;position:relative;border-bottom:1px solid var(--line);color:var(--band-ink)}
.promises li::before{position:absolute;left:0;top:.7rem;font-family:var(--font-display);font-weight:600}
.promises .will li::before{content:"✓";color:var(--blue)}
.promises .wont li::before{content:"✕";color:var(--band-muted)}
@media (max-width:820px){.band .intro,.promises{grid-template-columns:minmax(0,1fr)}}
.cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.25rem 2rem;margin-top:3.5rem;padding:clamp(1.25rem,3vw,1.75rem) clamp(1.25rem,3vw,2rem);background:var(--mist);border-radius:20px}
.cta p{flex:1 1 22rem;font-family:var(--font-display);font-size:var(--step-1);font-weight:600;color:var(--navy);letter-spacing:-.01em;line-height:1.25}
.cta span{display:block;margin-top:.35rem;font-family:var(--font-body);font-size:1rem;font-weight:400;color:var(--muted);letter-spacing:0;line-height:1.5}

/* faq */
.faq{border-top:1px solid var(--line)}
.faq .wrap{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(2rem,6vw,5rem)}
.faq .lede{margin-top:1rem}
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:baseline;gap:1rem;padding:1.1rem 0;font-family:var(--font-display);font-weight:600;color:var(--navy);font-size:1.15rem;line-height:1.3}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;color:var(--blue);font-weight:500;font-size:1.5rem;line-height:1;transition:transform .2s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding-bottom:1.2rem;color:var(--muted);font-size:1rem;max-width:40em}
@media (max-width:860px){.faq .wrap{grid-template-columns:minmax(0,1fr)}}

/* partners */
.partners{border-top:1px solid var(--line)}
.partners .lede{margin-top:1rem}
.audiences{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(1.5rem,4vw,3rem);margin-top:3rem}
.audiences article{border-top:2px solid var(--navy);padding-top:1.2rem}
.audiences p{margin-top:.7rem;color:var(--muted);font-size:1rem}
.network{margin-top:3rem;font-size:1rem;color:var(--muted);max-width:52em}
.network b{color:var(--ink);font-weight:600}
@media (max-width:860px){.audiences{grid-template-columns:minmax(0,1fr)}}

/* form */
.start{background:var(--surface);border-top:1px solid var(--line)}
.start .wrap{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(2rem,6vw,5rem)}
.start .lede{margin-top:1rem}
.contact-list{margin-top:2.2rem;display:grid;gap:1.2rem;font-size:1rem}
.contact-list div span{display:block;font-family:var(--font-display);font-size:.85rem;color:var(--muted)}
.contact-list div b{font-weight:600;color:var(--navy);font-family:var(--font-display);font-size:1.15rem;user-select:all;word-break:break-word}
form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.1rem 1.25rem;background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:clamp(1.25rem,3vw,2rem)}
.field{display:grid;gap:.35rem;min-width:0}
.field.full{grid-column:1/-1}
.field label,fieldset legend{font-family:var(--font-display);font-weight:500;font-size:.95rem;color:var(--ink)}
.field small{font-size:.85rem;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],select,textarea{font:inherit;font-size:1rem;color:var(--ink);background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:.7rem .85rem;width:100%}
input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--blue);outline-offset:1px}
fieldset{border:0;margin:0;padding:0;grid-column:1/-1;min-width:0}
.choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.5rem;margin-top:.5rem}
.choices label{display:flex;gap:.6rem;align-items:flex-start;padding:.7rem .85rem;border:1px solid var(--line);border-radius:10px;background:var(--surface);font-size:1rem;cursor:pointer;line-height:1.35}
.choices label:has(input:checked){border-color:var(--navy);box-shadow:inset 0 0 0 1px var(--navy)}
.choices input{accent-color:var(--navy);margin-top:.2rem}
.consent{grid-column:1/-1;display:flex;gap:.7rem;align-items:flex-start;font-size:.95rem;color:var(--muted);line-height:1.5}
.consent input{margin-top:.3rem;accent-color:var(--navy);flex:none}
form .btn{grid-column:1/-1;justify-self:start}
.err{color:var(--miss);font-size:.9rem;grid-column:1/-1}
.done{grid-column:1/-1;background:var(--mist);border-radius:12px;padding:1.2rem 1.3rem}
.done h3{font-size:1.2rem}
.done p{margin-top:.5rem;font-size:1rem}
.done pre{white-space:pre-wrap;font-family:var(--font-body);font-size:.95rem;background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:.8rem 1rem;margin:.9rem 0}
.done .row{display:flex;flex-wrap:wrap;gap:.6rem}
@media (max-width:860px){.start .wrap{grid-template-columns:minmax(0,1fr)}}
@media (max-width:560px){form,.choices{grid-template-columns:minmax(0,1fr)}}

/* footer */
footer{padding-block:3.5rem;border-top:1px solid var(--line);font-size:.95rem;color:var(--muted)}
footer .wrap{display:grid;grid-template-columns:minmax(0,1.3fr) repeat(3,minmax(0,1fr));gap:2.5rem}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.35rem}
footer ul a{color:var(--muted);text-decoration:none}
footer ul a:hover{color:var(--navy);text-decoration:underline}
footer h3{font-size:1rem;color:var(--navy);margin-bottom:.6rem}
footer .legal{grid-column:1/-1;padding-top:1.5rem;border-top:1px solid var(--line);font-size:.85rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem}
footer address{font-style:normal}
@media (max-width:980px){footer .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){footer .wrap{grid-template-columns:minmax(0,1fr)}}

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