*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --navy: #0f2744;
    --navy-mid: #1a3f6f;
    --navy-light: #2a5298;
    --gold: #c9983a;
    --gold-light: #e8b84b;
    --cream: #f8f5ef;
    --cream-dark: #ede8df;
    --white: #ffffff;
    --text-dark: #0f2744;
    --text-mid: #3d5a80;
    --text-muted: #7a8fa6;
    --success: #1a7a4a;
    --success-bg: #eaf7f0;
    --danger: #a32020;
    --danger-bg: #fdf0f0;
    --warn: #835500;
    --warn-bg: #fef8ec;
    --border: rgba(15,39,68,0.12);
    --radius: 10px;
    --radius-lg: 16px;
  }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--cream);
    color: var(--text-dark);
    min-height: 100vh;
    line-height: 1.6;
  }

  /* NAV */
  nav {
    background: var(--navy);
    padding: 0 2rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
    position: sticky;
    top: 0;
    z-index: 100;
  }
  .nav-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
  }
  .nav-logo-mark {
    width: 36px;
    height: 36px;
    background: var(--gold);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'DM Serif Display', serif;
    font-size: 18px;
    color: var(--navy);
    font-weight: 400;
  }
  .nav-name {
    font-family: 'DM Serif Display', serif;
    font-size: 20px;
    color: var(--white);
    letter-spacing: 0.02em;
  }
  .nav-links {
    display: flex;
    gap: 2rem;
    align-items: center;
  }
  .nav-links a {
    font-size: 13px;
    color: rgba(255,255,255,0.65);
    text-decoration: none;
    letter-spacing: 0.04em;
    transition: color 0.2s;
  }
  .nav-links a:hover { color: var(--gold-light); }
  .nav-cta {
    background: var(--gold) !important;
    color: var(--navy) !important;
    padding: 7px 18px !important;
    border-radius: 6px !important;
    font-weight: 500 !important;
    font-size: 13px !important;
  }
  .nav-cta:hover { background: var(--gold-light) !important; }

  /* HERO */
  .hero {
    background: var(--navy);
    padding: 4rem 2rem 3rem;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 80% 60% at 50% 120%, rgba(201,152,58,0.18) 0%, transparent 70%);
    pointer-events: none;
  }
  .hero-eyebrow {
    display: inline-block;
    font-size: 11px;
    font-weight: 500;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
    background: rgba(201,152,58,0.12);
    padding: 5px 14px;
    border-radius: 20px;
    border: 1px solid rgba(201,152,58,0.25);
    margin-bottom: 1.25rem;
  }
  .hero h1 {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(2rem, 5vw, 3.25rem);
    color: var(--white);
    line-height: 1.15;
    margin-bottom: 1rem;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
  }
  .hero h1 em {
    font-style: italic;
    color: var(--gold-light);
  }
  .hero-sub {
    font-size: 16px;
    color: rgba(255,255,255,0.65);
    max-width: 520px;
    margin: 0 auto 2rem;
    line-height: 1.65;
  }
  .hero-badges {
    display: flex;
    justify-content: center;
    gap: 1.5rem;
    flex-wrap: wrap;
  }
  .hero-badge {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    color: rgba(255,255,255,0.55);
  }
  .hero-badge svg { width: 14px; height: 14px; opacity: 0.7; }

  /* MAIN LAYOUT */
  .main {
    max-width: 780px;
    margin: 0 auto;
    padding: 2.5rem 1.5rem 4rem;
  }

  /* PROGRESS */
  .progress-wrap {
    display: flex;
    align-items: center;
    gap: 0;
    margin-bottom: 2rem;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
  }
  .prog-step {
    flex: 1;
    padding: 10px 8px;
    text-align: center;
    font-size: 12px;
    font-weight: 400;
    color: var(--text-muted);
    background: transparent;
    border-right: 1px solid var(--border);
    cursor: pointer;
    transition: background 0.15s, color 0.15s;
    position: relative;
  }
  .prog-step:last-child { border-right: none; }
  .prog-step.active {
    background: var(--navy);
    color: var(--white);
    font-weight: 500;
  }
  .prog-step.done {
    background: var(--success-bg);
    color: var(--success);
  }
  .prog-step.done::after {
    content: ' ✓';
  }

  /* CARDS */
  .card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 1.75rem 2rem;
    margin-bottom: 1.25rem;
    animation: fadeUp 0.25s ease both;
  }
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(10px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  .card-label {
    font-size: 10px;
    font-weight: 500;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 1.25rem;
  }

  /* FORM */
  .row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
  @media(max-width:540px){ .row2 { grid-template-columns: 1fr; } }

  .field { margin-bottom: 1rem; }
  .field:last-child { margin-bottom: 0; }
  .field label {
    display: block;
    font-size: 13px;
    color: var(--text-mid);
    margin-bottom: 6px;
    font-weight: 500;
  }
  .field input, .field select {
    width: 100%;
    padding: 10px 14px;
    font-size: 14px;
    font-family: 'DM Sans', sans-serif;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    background: var(--cream);
    color: var(--text-dark);
    appearance: none;
    transition: border-color 0.15s, box-shadow 0.15s;
  }
  .field input:focus, .field select:focus {
    outline: none;
    border-color: var(--navy-light);
    box-shadow: 0 0 0 3px rgba(42,82,152,0.12);
    background: var(--white);
  }
  .field select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%237a8fa6' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 34px;
  }

  /* CHECKBOX GROUP */
  .check-group { display: flex; flex-wrap: wrap; gap: 8px; }
  .check-item {
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 13px;
    color: var(--text-mid);
    padding: 7px 12px;
    border: 1px solid var(--border);
    border-radius: 20px;
    cursor: pointer;
    background: var(--cream);
    transition: all 0.15s;
    user-select: none;
  }
  .check-item input { width: 14px; height: 14px; margin: 0; accent-color: var(--navy); cursor: pointer; }
  .check-item.checked {
    background: rgba(15,39,68,0.06);
    border-color: var(--navy-mid);
    color: var(--navy);
    font-weight: 500;
  }

  /* NAV BUTTONS */
  .nav-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 0.5rem;
  }
  .btn {
    padding: 10px 24px;
    border-radius: var(--radius);
    font-size: 14px;
    font-family: 'DM Sans', sans-serif;
    font-weight: 500;
    cursor: pointer;
    border: 1px solid var(--border);
    background: var(--white);
    color: var(--text-mid);
    transition: all 0.15s;
  }
  .btn:hover { background: var(--cream-dark); color: var(--navy); }
  .btn-primary {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
  }
  .btn-primary:hover { background: var(--navy-mid); }
  .btn-gold {
    background: var(--gold);
    color: var(--navy);
    border-color: var(--gold);
    font-size: 15px;
    padding: 12px 32px;
  }
  .btn-gold:hover { background: var(--gold-light); }
  .progress-hint { font-size: 12px; color: var(--text-muted); }

  /* RESULTS */
  .result-hero {
    background: var(--navy);
    border-radius: var(--radius-lg);
    padding: 2rem;
    text-align: center;
    margin-bottom: 1.25rem;
    position: relative;
    overflow: hidden;
  }
  .result-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 70% 80% at 50% 110%, rgba(201,152,58,0.22) 0%, transparent 65%);
    pointer-events: none;
  }
  .result-eyebrow {
    font-size: 11px;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 8px;
  }
  .result-amount {
    font-family: 'DM Serif Display', serif;
    font-size: clamp(2.5rem, 8vw, 4rem);
    color: var(--white);
    line-height: 1;
    margin-bottom: 6px;
  }
  .result-sub { font-size: 12px; color: rgba(255,255,255,0.45); }

  .metric-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin-bottom: 1.25rem; }
  @media(max-width:480px){ .metric-grid { grid-template-columns: 1fr 1fr; } }
  .metric {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 14px;
    text-align: center;
  }
  .metric .m-label { font-size: 11px; color: var(--text-muted); margin-bottom: 4px; }
  .metric .m-val { font-size: 20px; font-weight: 500; color: var(--text-dark); }

  /* ELIG BAR */
  .elig-bar {
    display: flex;
    gap: 0;
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid var(--border);
    margin-bottom: 1rem;
  }
  .elig-item {
    flex: 1;
    padding: 10px 6px;
    text-align: center;
    font-size: 11px;
    font-weight: 500;
    border-right: 1px solid rgba(0,0,0,0.06);
    line-height: 1.4;
  }
  .elig-item:last-child { border-right: none; }
  .elig-pass { background: var(--success-bg); color: var(--success); }
  .elig-fail { background: var(--danger-bg); color: var(--danger); }
  .elig-icon { display: block; font-size: 14px; margin-bottom: 2px; }

  /* INFO BOX */
  .info-box {
    border-radius: var(--radius);
    padding: 14px 16px;
    margin-bottom: 0;
    font-size: 14px;
    line-height: 1.6;
  }
  .info-success { background: var(--success-bg); color: var(--success); border-left: 3px solid var(--success); }
  .info-warn { background: var(--warn-bg); color: var(--warn); border-left: 3px solid var(--gold); }
  .info-danger { background: var(--danger-bg); color: var(--danger); border-left: 3px solid var(--danger); }

  /* BREAKDOWN TABLE */
  .breakdown-table { width: 100%; border-collapse: collapse; font-size: 14px; }
  .breakdown-table td { padding: 10px 0; border-bottom: 1px solid var(--border); }
  .breakdown-table tr:last-child td { border-bottom: none; }
  .breakdown-table .td-label { color: var(--text-muted); }
  .breakdown-table .td-val { text-align: right; font-weight: 500; }
  .tag { display: inline-block; font-size: 11px; padding: 3px 9px; border-radius: 20px; font-weight: 500; }
  .tag-green { background: var(--success-bg); color: var(--success); }

  /* CTA */
  .cta-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2rem;
    text-align: center;
  }
  .cta-card h3 {
    font-family: 'DM Serif Display', serif;
    font-size: 22px;
    color: var(--navy);
    margin-bottom: 8px;
  }
  .cta-card p {
    font-size: 14px;
    color: var(--text-muted);
    max-width: 420px;
    margin: 0 auto 1.5rem;
    line-height: 1.65;
  }
  .cta-phone {
    display: block;
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 12px;
  }
  .cta-phone a { color: var(--navy-light); text-decoration: none; }
  .cta-phone a:hover { text-decoration: underline; }

  /* FOOTER */
  footer {
    background: var(--navy);
    color: rgba(255,255,255,0.45);
    text-align: center;
    padding: 2rem 1.5rem;
    font-size: 12px;
    line-height: 1.7;
  }
  footer a { color: rgba(255,255,255,0.5); text-decoration: none; }
  footer strong { color: rgba(255,255,255,0.7); }

  .hidden { display: none !important; }

  /* TRUST BAR */
  .trust-bar {
    display: flex;
    justify-content: center;
    gap: 2.5rem;
    flex-wrap: wrap;
    padding: 1.25rem 1.5rem;
    background: var(--cream-dark);
    border-bottom: 1px solid var(--border);
  }
  .trust-item {
    display: flex;
    align-items: center;
    gap: 7px;
    font-size: 12px;
    color: var(--text-mid);
    font-weight: 500;
  }
  .trust-icon {
    width: 28px;
    height: 28px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 13px;
  }