:root {
  --navy: #0b1446;
  --navy-2: #121e63;
  --blue: #1428d8;
  --blue-ink: #0d1db0;
  --gold: #c0974a;
  --gold-light: #efe08e;
  --gold-deep: #9c7431;
  --gold-grad: linear-gradient(135deg, #b8863a 0%, #e9d683 45%, #f3e79a 55%, #c4964a 100%);
  --ink: #1c2233;
  --muted: #5a6275;
  --line: #e4ded0;
  --cream: #faf7f0;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 18px 40px -22px rgba(11, 20, 70, 0.45);
  --display: "Cinzel", "Trajan Pro", Georgia, serif;
  --body: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; }
body { margin: 0; background: var(--white); color: var(--ink); font: 400 17px/1.6 var(--body); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--blue-ink); }
h1, h2, h3 { font-family: var(--display); font-weight: 700; line-height: 1.15; margin: 0 0 .5em; letter-spacing: .01em; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); color: var(--navy); }
h3 { font-size: 1.15rem; color: var(--navy); }
p { margin: 0 0 1em; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.wrap { width: min(1160px, 100% - 32px); margin-inline: auto; }
.eyebrow { font: 600 .78rem/1 var(--body); letter-spacing: .22em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 14px; display: inline-flex; align-items: center; gap: 10px; }
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold-grad); }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 62ch; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 14px 24px; border-radius: 999px; font: 700 1rem/1 var(--body); text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease, background .15s; }
.btn:hover { transform: translateY(-1px); }
.btn--gold { background: var(--gold-grad); color: var(--navy); box-shadow: 0 10px 24px -12px rgba(156, 116, 49, .8); }
.btn--blue { background: var(--blue); color: #fff; }
.btn--blue:hover { background: var(--blue-ink); }
.btn--ghost { border-color: currentColor; color: inherit; background: transparent; }
.btn--block { width: 100%; }
.btn:disabled { opacity: .6; cursor: progress; transform: none; }
.textlink { font-weight: 700; color: var(--blue-ink); text-decoration: none; border-bottom: 2px solid var(--gold); }

/* top bar + header */
.topbar { background: var(--navy); color: #d9dcf0; font-size: .9rem; }
.topbar .wrap { display: flex; justify-content: flex-end; gap: 24px; padding: 7px 0; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; }
.header { position: sticky; top: 0; z-index: 20; background: rgba(255, 255, 255, .96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 76px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand img { width: 62px; height: auto; }
.brand__name { font-family: var(--display); font-weight: 700; font-size: 1.45rem; letter-spacing: .06em; line-height: 1; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.brand__sub { display: block; font: 700 .62rem/1.2 var(--display); letter-spacing: .16em; color: var(--blue); margin-top: 5px; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { color: var(--navy); text-decoration: none; font-weight: 600; font-size: .98rem; }
.nav a:hover { color: var(--blue); }
.nav .btn { padding: 11px 18px; color: var(--navy); }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--navy); margin: 6px 0; }

/* hero */
.hero { position: relative; overflow: hidden; background: radial-gradient(1200px 500px at 85% -10%, #2034c9 0%, transparent 60%), linear-gradient(160deg, var(--navy) 0%, #0f1c6e 100%); color: #fff; padding: 84px 0 96px; }
.hero::after { content: ""; position: absolute; right: -120px; bottom: -160px; width: 620px; height: 620px; border-radius: 50%; border: 2px solid rgba(233, 214, 131, .25); box-shadow: 0 0 0 60px rgba(233, 214, 131, .04), 0 0 0 140px rgba(233, 214, 131, .03); pointer-events: none; }
.hero .eyebrow { color: var(--gold-light); }
.hero h1 { font-size: clamp(2.3rem, 5.2vw, 4rem); max-width: 17ch; margin-bottom: 20px; }
.hero h1 em { font-style: normal; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero .lede { color: #c9cff0; font-size: 1.25rem; }
.paths { position: relative; z-index: 1; display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 44px; }
.path { display: flex; flex-direction: column; gap: 6px; padding: 24px; border-radius: var(--radius); background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .16); color: #fff; text-decoration: none; transition: background .2s, transform .2s, border-color .2s; }
.path:hover { background: rgba(255, 255, 255, .12); border-color: var(--gold-light); transform: translateY(-3px); }
.path__who { font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-light); font-weight: 700; }
.path__title { font: 700 1.25rem/1.25 var(--display); }
.path__go { margin-top: 8px; font-weight: 700; color: var(--gold-light); }

/* trust strip */
.trust { background: var(--cream); border-bottom: 1px solid var(--line); }
.trust ul { list-style: none; margin: 0 auto; padding: 22px 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.trust li { display: flex; gap: 12px; align-items: flex-start; font-size: .98rem; color: var(--navy); }
.trust strong { display: block; font-size: 1.02rem; }
.trust span.small { color: var(--muted); font-size: .9rem; }
.dot { flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--gold-grad); display: grid; place-items: center; color: var(--navy); font-weight: 800; }

/* service sections */
.section { padding: 96px 0; }
.section--cream { background: var(--cream); }
.section--navy { background: var(--navy); color: #e6e8f6; }
.section--navy h2, .section--navy h3 { color: #fff; }
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: start; }
.product-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin: 28px 0; }
.product { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px 18px 16px; border-top: 3px solid var(--gold); }
.section--cream .product { background: #fff; }
.product h3 { font-size: 1rem; margin-bottom: 6px; }
.product p { font-size: .95rem; color: var(--muted); margin: 0; }
.callout { border-left: 4px solid var(--blue); background: #eef0ff; padding: 18px 22px; border-radius: 0 12px 12px 0; margin: 24px 0; color: var(--navy); }
.callout strong { font-family: var(--display); }
.checks { list-style: none; padding: 0; margin: 18px 0 24px; display: grid; gap: 10px; }
.checks li { padding-left: 32px; position: relative; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%; background: var(--gold-grad); color: var(--navy); font-size: .8rem; font-weight: 800; display: grid; place-items: center; }

/* lead-form card */
.cta-card { position: sticky; top: 100px; background: #fff; border-radius: 18px; box-shadow: var(--shadow); border: 1px solid var(--line); overflow: hidden; }
.cta-card__head { background: var(--navy); color: #fff; padding: 22px 26px; position: relative; }
.cta-card__head::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 4px; background: var(--gold-grad); }
.cta-card__head h3 { color: #fff; font-size: 1.3rem; margin: 0 0 4px; }
.cta-card__head p { margin: 0; color: #c9cff0; font-size: .95rem; }
.cta-card__body { padding: 22px 26px 26px; }
.cta-card__alt { margin: 16px 0 0; padding-top: 16px; border-top: 1px dashed var(--line); font-size: .95rem; color: var(--muted); text-align: center; }
.lead-form__form { display: grid; grid-template-columns: 1fr 1fr; gap: 4px 14px; }
.field { display: flex; flex-direction: column; min-width: 0; }
.field--wide { grid-column: 1 / -1; }
.field__label { font-weight: 600; font-size: .92rem; color: var(--navy); margin: 8px 0 5px; }
.req { color: #b4232c; }
.field input:not([type=checkbox]):not([type=radio]), .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; padding: 11px 12px; border: 1.5px solid #cfd3df; border-radius: 9px; background: #fff; color: var(--ink); }
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(20, 40, 216, .15); }
.field [aria-invalid="true"] { border-color: #b4232c !important; }
.field__err { color: #b4232c; font-size: .85rem; margin: 4px 0 0; min-height: 0; }
.field__err:empty { display: none; }
.field__help { font-size: .85rem; color: var(--muted); margin: 4px 0 0; }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 12px; }
.choice { display: flex; gap: 9px; align-items: flex-start; font-size: .94rem; cursor: pointer; line-height: 1.35; }
.choice input { margin-top: 3px; accent-color: var(--blue); width: 17px; height: 17px; flex: none; }
.form-msg { margin: 6px 0 10px; font-size: .95rem; }
.form-msg--error { color: #b4232c; }
.form-msg:empty { display: none; }
.lead-form .btn { margin-top: 10px; }
.form-done { text-align: center; padding: 26px 8px; outline: none; }
.form-done__icon { width: 58px; height: 58px; border-radius: 50%; margin: 0 auto 14px; display: grid; place-items: center; background: var(--gold-grad); color: var(--navy); font-size: 1.6rem; font-weight: 800; }
.form-done p { font-size: 1.05rem; color: var(--navy); }
.skeleton { display: grid; gap: 12px; }
.skeleton span { height: 44px; border-radius: 9px; background: linear-gradient(90deg, #eef0f5 25%, #f7f8fb 50%, #eef0f5 75%); background-size: 200% 100%; animation: shimmer 1.2s infinite; }
@keyframes shimmer { to { background-position: -200% 0; } }

/* life types */
.types { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 26px 0; }
.type { padding: 20px; border-radius: 12px; background: #fff; border: 1px solid var(--line); }
.type__tag { font: 700 .72rem/1 var(--body); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); }
.type h3 { margin: 8px 0 6px; }
.type p { font-size: .95rem; color: var(--muted); margin: 0; }

/* self-enrollment */
.enroll-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 32px; }
.enroll-card { display: flex; flex-direction: column; gap: 8px; padding: 28px; background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--blue); border-radius: var(--radius); box-shadow: var(--shadow); text-decoration: none; color: var(--ink); transition: transform .2s, border-color .2s; }
.enroll-card:hover { transform: translateY(-3px); border-top-color: var(--gold); }
.enroll-card__tag { font: 700 .72rem/1 var(--body); letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); }
.enroll-card h3 { font-size: 1.35rem; margin: 4px 0 0; }
.enroll-card p { color: var(--muted); margin: 0 0 12px; }
.enroll-card .btn { align-self: flex-start; margin-top: auto; }
.enroll-steps { list-style: none; counter-reset: step; padding: 0; margin: 32px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.enroll-steps li { counter-increment: step; display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--navy); }
.enroll-steps li::before { content: counter(step); flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--gold-grad); display: grid; place-items: center; font-weight: 800; }
.enroll-card__actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: auto; }
.enroll-card__actions .btn { margin-top: 0; }
.btn--outline { background: #fff; color: var(--blue); border-color: var(--blue); }
.btn--outline:hover { background: #eef0ff; }
.enroll-note { margin: 24px 0 0; color: var(--muted); font-size: .97rem; }
@media (max-width: 760px) { .enroll-grid, .enroll-steps { grid-template-columns: 1fr; } .enroll-card { padding: 22px 18px; } }

/* why */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 40px; }
.why { padding: 26px; border-radius: var(--radius); background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .12); }
.why__num { font: 700 2rem/1 var(--display); background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; margin-bottom: 12px; }
.why p { color: #c9cff0; font-size: .97rem; margin: 0; }
.also { margin-top: 40px; display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.also span.label { color: var(--gold-light); font-weight: 700; margin-right: 6px; }
.chip { border: 1px solid rgba(233, 214, 131, .45); color: #fff; padding: 7px 14px; border-radius: 999px; font-size: .92rem; }

/* contact */
.contact { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: center; }
.contact-card { background: #fff; border-radius: 18px; box-shadow: var(--shadow); border: 1px solid var(--line); padding: 34px; text-align: center; }
.contact-card img { width: 210px; margin: 0 auto 6px; }
.contact-card .name { font: 700 1.35rem/1.2 var(--display); color: var(--navy); margin: 8px 0 2px; }
.contact-card .role { color: var(--muted); margin-bottom: 18px; }
.contact-lines { display: grid; gap: 10px; margin-bottom: 20px; }
.contact-lines a { font-size: 1.12rem; font-weight: 700; text-decoration: none; color: var(--blue-ink); }
.social { display: flex; justify-content: center; gap: 18px; }
.social a { color: var(--navy); font-weight: 600; text-decoration: none; border-bottom: 2px solid var(--gold); }
.next-steps { display: grid; gap: 14px; margin-top: 24px; }
.next-step { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 18px 22px; border-radius: 12px; border: 1px solid var(--line); background: #fff; text-decoration: none; color: var(--navy); transition: border-color .2s, transform .2s; }
.next-step:hover { border-color: var(--gold); transform: translateX(3px); }
.next-step strong { display: block; font-family: var(--display); }
.next-step span { color: var(--muted); font-size: .95rem; }
.next-step .arrow { color: var(--gold-deep); font-size: 1.4rem; font-weight: 700; }

/* footer */
.footer { background: #070d33; color: #aab0d3; padding: 48px 0 30px; font-size: .92rem; }
.footer .wrap { display: grid; gap: 24px; }
.footer__top { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer a { color: #fff; text-decoration: none; }
.footer nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer .brand__name { font-size: 1.2rem; }
.footer .fine { border-top: 1px solid rgba(255, 255, 255, .1); padding-top: 20px; font-size: .82rem; color: #8188b4; }

/* responsive */
@media (max-width: 980px) {
  .split, .contact { grid-template-columns: 1fr; gap: 36px; }
  .cta-card { position: static; }
  .trust ul, .why-grid { grid-template-columns: 1fr 1fr; }
  .paths, .types { grid-template-columns: 1fr; }
  .nav-toggle { display: block; }
  .nav { position: absolute; top: 100%; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 18px; border-bottom: 1px solid var(--line); display: none; }
  .nav.is-open { display: flex; }
  .nav a { padding: 12px 4px; border-bottom: 1px solid var(--line); }
  .nav .btn { margin-top: 12px; border-bottom: 0; }
  .header { position: sticky; }
  .header .wrap { position: relative; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .section { padding: 64px 0; }
  .hero { padding: 56px 0 64px; }
  .trust ul, .why-grid, .product-grid, .choices, .lead-form__form { grid-template-columns: 1fr; }
  .lead-form__form .field { grid-column: 1 / -1; }
  .brand img { width: 50px; }
  .brand__name { font-size: 1.2rem; }
  .brand__sub { font-size: .52rem; letter-spacing: .1em; }
  .topbar .wrap { justify-content: center; gap: 14px; }
  .cta-card__body, .cta-card__head { padding-inline: 18px; }
  .contact-card { padding: 26px 18px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }