:root{--navy:#0A1D3D;--teal:#11B5A7;--mint:#E6FAF6;--gray:#F3F5F7;--line:#DDE5E9;--muted:#586575;--white:#fff;--radius:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--white);color:var(--navy);font:16px/1.6 'DM Sans',sans-serif}a{color:inherit;text-decoration:none}
.hp-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important}
.nav{height:82px;display:flex;align-items:center;justify-content:space-between;padding:0 clamp(22px,6vw,96px);border-bottom:1px solid #E3E9ED;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);position:sticky;top:0;z-index:30}.brand{display:block}.brand img{display:block;width:150px;height:60px;object-fit:contain;object-position:left center}.nav-cta{font-weight:700;font-size:14px;background:var(--teal);color:white;padding:11px 18px;border-radius:999px;box-shadow:0 7px 20px rgba(17,181,167,.18)}.nav-cta span{margin-left:8px}
.hero{min-height:710px;display:grid;grid-template-columns:1.03fr .97fr;gap:6vw;align-items:center;padding:72px clamp(24px,7vw,110px) 88px;background:radial-gradient(circle at 77% 37%,rgba(17,181,167,.14) 0,transparent 31%),linear-gradient(135deg,#fff 62%,#F4FAF9)}.eyebrow,.section-kicker{font:900 12px 'Nunito Sans',sans-serif;letter-spacing:2px;color:#52627A}.eyebrow span{display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--teal);margin-right:9px}.hero h1{font:900 clamp(44px,5.25vw,76px)/1.03 'Nunito Sans',sans-serif;letter-spacing:-3.3px;max-width:790px;margin:20px 0 28px}.hero h1 em{font-style:normal;color:var(--teal)}.lead{font-size:19px;line-height:1.65;color:var(--muted);max-width:650px}.hero-actions{display:flex;align-items:center;gap:28px;margin-top:38px}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:24px;border-radius:999px;padding:16px 23px;border:0;font:700 15px 'DM Sans';cursor:pointer}.primary{background:var(--teal);color:white;box-shadow:0 10px 28px rgba(17,181,167,.24)}.primary span{font-size:20px}.text-link{font-weight:700;border-bottom:1px solid}.microcopy{font-size:13px;color:#748090;margin-top:20px}
.hero-visual{position:relative;min-height:510px}.portrait-wrap{position:absolute;right:0;top:0;width:78%;height:86%;background:var(--mint);border-radius:46% 20px 42% 20px;overflow:hidden;box-shadow:0 24px 60px rgba(10,29,61,.10)}.portrait-wrap img{width:100%;height:100%;object-fit:cover;object-position:center}.brand-line{position:absolute;left:-20px;bottom:20px;width:170px;height:65px;border-bottom:5px solid var(--teal);border-radius:0 0 80% 45%;transform:rotate(-6deg)}.brand-line i,.brand-line b{position:absolute;bottom:-11px;width:19px;height:19px;border-radius:50%}.brand-line i{left:0;background:white}.brand-line b{right:-3px;background:var(--teal)}
.report-card{position:absolute;left:0;bottom:0;width:min(82%,420px);background:white;padding:24px;box-shadow:0 28px 65px rgba(10,29,61,.18);border:1px solid #E2EAED;border-radius:16px}.report-top{display:flex;justify-content:space-between;border-bottom:2px solid var(--navy);padding-bottom:15px}.report-top small{display:block;font-size:10px;letter-spacing:1.8px}.report-top strong{font:800 18px 'Nunito Sans'}.status{font-size:10px;font-weight:800;background:var(--mint);color:#087C74;padding:6px 10px;height:max-content;border-radius:20px}.report-score{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:18px 0}.report-score>div{background:var(--gray);padding:13px}.report-score span{display:block;font-size:11px;color:#6B7786}.report-score strong{font:900 25px 'Nunito Sans'}.report-score .warning{background:var(--mint)}.report-score .warning strong{color:#078D83}.timeline .row{display:grid;grid-template-columns:30px 1fr auto;align-items:center;padding:11px 4px;border-bottom:1px solid #E7EBEE;font-size:11px}.row i{height:21px;width:21px;border-radius:50%;display:grid;place-items:center;font-style:normal;font-weight:800}.row span b{display:block;font-size:12px}.row>strong{font-size:9px}.row.alert{background:#F2FBFA}.row.alert i{background:var(--teal);color:white}.row.alert>strong{color:#078D83}
.risk-strip{display:grid;grid-template-columns:1.1fr repeat(4,1fr);background:var(--navy);color:white;padding:0 clamp(24px,6vw,96px)}.risk-strip>*{padding:24px 18px;margin:0;border-right:1px solid #284064}.risk-strip p{font-weight:700;color:#B7C5D6}.risk-strip div{font-size:13px;font-weight:600}.risk-strip span{color:#52D7CB;margin-right:10px}
.money-impact{display:grid;grid-template-columns:1fr .88fr;gap:8vw;align-items:center;background:linear-gradient(135deg,#fff 45%,var(--mint))}.impact-copy h2 span{color:var(--teal)}.impact-copy>p{max-width:650px;color:var(--muted);font-size:18px;margin:26px 0}.impact-example{position:relative;background:var(--navy);color:white;padding:38px;border-radius:var(--radius);box-shadow:0 26px 70px rgba(10,29,61,.18);overflow:hidden}.impact-example:after{content:'';position:absolute;width:230px;height:100px;border-bottom:5px solid var(--teal);border-radius:50%;right:-40px;top:-25px;transform:rotate(-12deg)}.example-label{margin:0 0 25px;color:#67DED4;font:900 12px 'Nunito Sans';letter-spacing:1.7px}.impact-equation{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:end;padding-bottom:24px;border-bottom:1px solid #314765}.impact-equation small{display:block;color:#AFC0D1;font-size:12px}.impact-equation strong{display:block;font:900 clamp(22px,2.4vw,32px) 'Nunito Sans';margin-top:3px}.impact-equation>b{font-size:24px;color:var(--teal);padding-bottom:5px}.impact-total{padding:25px 0 16px}.impact-total span{display:block;color:#C5D1DD;font-size:14px}.impact-total strong{display:block;color:#64DED3;font:900 clamp(38px,4.7vw,62px)/1 'Nunito Sans';letter-spacing:-2px;margin-top:8px}.example-note{margin:0;color:#AFC0D1;font-size:12px;line-height:1.5}
.section{padding:110px clamp(24px,7vw,110px)}.section-kicker{margin-bottom:28px;color:var(--teal)}.section h2{font:900 clamp(35px,4vw,58px)/1.1 'Nunito Sans';letter-spacing:-2.2px;margin:0}.problem-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:10vw}.problem h2 span{color:var(--teal)}.problem-grid p{color:var(--muted);font-size:18px;margin:0 0 22px}
.steps{background:var(--gray)}.steps-head{display:flex;justify-content:space-between;align-items:end;gap:50px}.steps-head h2{max-width:680px}.steps-head p{max-width:360px;color:var(--muted)}.step-grid{display:grid;grid-template-columns:repeat(4,1fr);margin-top:60px;border-top:1px solid #CED9DE}.step-grid article{padding:28px 28px 12px 0;border-right:1px solid #CED9DE;margin-right:28px}.step-grid article>span{font:800 12px 'Nunito Sans';color:#8794A2}.icon{font-size:30px;margin:46px 0 22px;color:var(--teal)}.step-grid h3{font:800 20px 'Nunito Sans';margin:0 0 13px}.step-grid p{font-size:14px;color:var(--muted)}
.qualify{padding-top:0;background:var(--gray)}.qualify-card{position:relative;overflow:hidden;background:var(--navy);color:white;padding:70px;display:grid;grid-template-columns:.9fr 1.1fr;gap:8vw;border-radius:var(--radius)}.qualify-card:after{content:'';position:absolute;width:330px;height:160px;border-bottom:6px solid var(--teal);border-radius:50%;right:-60px;bottom:-42px;transform:rotate(-12deg)}.section-kicker.light{color:#62DCD1}.qualify h2{font-size:48px}.qualify ul{list-style:none;padding:0;margin:0;position:relative;z-index:1}.qualify li{padding:15px 0;border-bottom:1px solid #294164}.qualify li i{font-style:normal;color:#5FE0D5;margin-right:12px}
.diagnostic{display:grid;grid-template-columns:.85fr 1.15fr;gap:9vw;align-items:start}.form-copy p{font-size:18px;color:var(--muted)}.privacy{display:flex;gap:15px;margin-top:35px;font-size:13px;color:var(--muted)}.privacy>span{width:40px;height:40px;flex:0 0 40px;border-radius:50%;background:var(--mint);color:var(--teal);display:grid;place-items:center;font-size:20px}form{background:white;border:1px solid var(--line);box-shadow:0 24px 70px rgba(10,29,61,.1);padding:36px;border-radius:var(--radius)}.field{margin-bottom:18px}.field label{display:block;font-weight:700;font-size:13px;margin-bottom:7px}.field input,.field select{width:100%;min-height:51px;border:1px solid #CBD6DB;border-radius:9px;padding:0 14px;font:500 15px 'DM Sans';background:#fff;color:var(--navy)}.field input:focus,.field select:focus{outline:3px solid rgba(17,181,167,.16);border-color:var(--teal)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.consent{display:flex;gap:10px;font-size:12px;color:var(--muted);align-items:start;margin:8px 0 20px}.consent input{accent-color:var(--teal);margin-top:3px}.submit{width:100%}.form-message{margin:14px 0 0;font-size:14px;font-weight:700;color:#078D83;min-height:22px}
.faq{display:grid;grid-template-columns:.75fr 1.25fr;gap:8vw;background:var(--mint)}.accordions details{border-top:1px solid #BEDDD9;padding:20px 0}.accordions details:last-child{border-bottom:1px solid #BEDDD9}.accordions summary{font:800 17px 'Nunito Sans';cursor:pointer;list-style:none;display:flex;justify-content:space-between}.accordions summary span{color:var(--teal);font-size:24px}.accordions p{color:var(--muted);padding-right:50px}.accordions details[open] summary span{transform:rotate(45deg)}
footer{background:var(--navy);color:white;padding:70px clamp(24px,7vw,110px);display:grid;grid-template-columns:1fr 1.5fr;align-items:start;gap:30px}.footer-brand{background:white;border-radius:10px;padding:6px 12px;width:max-content}.footer-brand img{width:160px}footer p{font:800 24px 'Nunito Sans';margin:0;max-width:500px}footer small{grid-column:1/-1;color:#AAB8C9;margin-top:40px;border-top:1px solid #294164;padding-top:20px}.mobile-cta{display:none}
@media(max-width:900px){.hero{grid-template-columns:1fr;padding-top:60px}.hero h1{letter-spacing:-2.8px}.hero-visual{margin-top:30px}.risk-strip{grid-template-columns:1fr 1fr}.risk-strip p{grid-column:1/-1}.money-impact,.problem-grid,.diagnostic,.faq,.qualify-card{grid-template-columns:1fr}.steps-head{align-items:start;flex-direction:column}.step-grid{grid-template-columns:1fr 1fr}.qualify-card{padding:45px}.nav-cta{display:none}}
@media(max-width:600px){body{padding-bottom:66px}.nav{height:68px;padding:0 20px}.brand img{width:124px;height:50px}.hero{padding:48px 20px 70px;min-height:auto}.hero h1{font-size:44px;letter-spacing:-2.3px}.lead{font-size:17px}.hero-actions{align-items:flex-start;flex-direction:column;gap:19px}.hero-visual{min-height:430px}.portrait-wrap{width:88%;height:72%}.report-card{width:92%;padding:18px}.report-score strong{font-size:21px}.risk-strip{grid-template-columns:1fr}.risk-strip p{grid-column:auto}.risk-strip>*{padding:16px 4px;border-right:0;border-bottom:1px solid #294164}.section{padding:78px 20px}.section h2{font-size:38px;letter-spacing:-1.6px}.money-impact{gap:45px}.impact-example{padding:28px 22px}.impact-equation{grid-template-columns:1fr;gap:14px}.impact-equation>b{display:none}.impact-total strong{font-size:44px}.problem-grid{gap:35px}.step-grid{grid-template-columns:1fr}.step-grid article{border-right:0;border-bottom:1px solid #CED9DE;margin-right:0}.step-grid .icon{margin-top:25px}.qualify-card{padding:35px 25px}.qualify h2{font-size:37px}.form-row{grid-template-columns:1fr}form{padding:25px 20px}.faq{gap:45px}footer{grid-template-columns:1fr;padding:55px 20px}.mobile-cta{position:fixed;display:flex;align-items:center;justify-content:space-between;left:12px;right:12px;bottom:10px;background:var(--teal);color:white;padding:13px 18px;border-radius:999px;font-weight:800;z-index:50;box-shadow:0 8px 30px rgba(10,29,61,.25)}}