:root {
  --ink: #17132f;
  --navy: #29245c;
  --violet: #353067;
  --gold: #d6ad45;
  --gold-soft: #fff3cf;
  --mint: #dff6ef;
  --paper: #fffaf0;
  --line: #e8e2d6;
  --muted: #665f73;
  --white: #ffffff;
  color-scheme: light;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-size: 16px;
  line-height: 1.55;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(41, 36, 92, 0.12);
  background: rgba(255, 250, 240, 0.94);
  backdrop-filter: blur(18px);
}

.nav {
  width: min(1120px, calc(100% - 28px));
  margin: 0 auto;
  min-height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
}

.brand-logo {
  width: 176px;
  height: auto;
}

.nav-links {
  display: none;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-size: 0.95rem;
}

.nav-links a:hover {
  color: var(--navy);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 46px;
  padding: 0 18px;
  border: 1px solid transparent;
  border-radius: 8px;
  font-weight: 760;
  line-height: 1;
  cursor: pointer;
  transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}

.btn:active {
  transform: translateY(1px);
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 12px 28px rgba(41, 36, 92, 0.2);
}

.btn-primary:hover {
  background: #1f1a4f;
}

.btn-secondary {
  border-color: rgba(41, 36, 92, 0.18);
  background: var(--white);
  color: var(--navy);
}

.desktop-cta {
  display: none;
}

.section {
  padding: 58px 0;
}

.section.alt {
  background: var(--white);
}

.wrap {
  width: min(1120px, calc(100% - 28px));
  margin: 0 auto;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  color: var(--violet);
  font-size: 0.78rem;
  font-weight: 820;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero {
  padding: 46px 0 36px;
  background:
    linear-gradient(135deg, rgba(255, 243, 207, 0.86), rgba(223, 246, 239, 0.64)),
    var(--paper);
}

.hero-grid {
  display: grid;
  gap: 30px;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.08;
  letter-spacing: 0;
}

h1 {
  max-width: 780px;
  font-size: clamp(2.25rem, 11vw, 4.9rem);
}

h2 {
  font-size: clamp(1.8rem, 7vw, 3.05rem);
}

h3 {
  font-size: 1.2rem;
}

.lead {
  max-width: 680px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: clamp(1.05rem, 3.4vw, 1.28rem);
}

.hero-actions,
.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 26px;
}

.hero-panel {
  border: 1px solid rgba(41, 36, 92, 0.12);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 18px 55px rgba(41, 36, 92, 0.12);
  overflow: hidden;
}

.rate-strip {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
}

.rate {
  min-height: 108px;
  padding: 18px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.rate:nth-child(2n) {
  border-right: 0;
}

.rate strong {
  display: block;
  color: var(--navy);
  font-size: 1.9rem;
  line-height: 1;
}

.rate span {
  display: block;
  margin-top: 7px;
  color: var(--muted);
  font-size: 0.92rem;
}

.panel-note {
  padding: 20px;
  color: var(--muted);
  background: linear-gradient(90deg, rgba(214, 173, 69, 0.14), rgba(223, 246, 239, 0.7));
}

.section-head {
  max-width: 720px;
  margin-bottom: 28px;
}

.section-head p {
  margin: 12px 0 0;
  color: var(--muted);
}

.grid {
  display: grid;
  gap: 14px;
}

.grid.two,
.grid.three,
.grid.four {
  grid-template-columns: 1fr;
}

.card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  padding: 22px;
}

.card p,
.step p,
.text-block p,
.footer p {
  color: var(--muted);
}

.card p:last-child,
.step p:last-child,
.text-block p:last-child {
  margin-bottom: 0;
}

.tag {
  display: inline-flex;
  align-items: center;
  min-height: 28px;
  margin-bottom: 14px;
  padding: 0 10px;
  border-radius: 999px;
  background: var(--gold-soft);
  color: #6d4d0d;
  font-size: 0.78rem;
  font-weight: 820;
}

.steps {
  display: grid;
  gap: 0;
  border-top: 1px solid var(--line);
}

.step {
  display: grid;
  gap: 12px;
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
}

.step-number {
  color: var(--gold);
  font-size: 0.88rem;
  font-weight: 900;
}

.split {
  display: grid;
  gap: 28px;
  align-items: start;
}

.calculator {
  border: 1px solid rgba(41, 36, 92, 0.14);
  border-radius: 8px;
  background: var(--white);
  padding: 22px;
  box-shadow: 0 18px 42px rgba(41, 36, 92, 0.1);
}

.field {
  display: grid;
  gap: 8px;
  margin-bottom: 16px;
}

.field label,
.label-row label {
  color: var(--ink);
  font-weight: 760;
}

.label-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}

.info-popover {
  position: relative;
}

.info-popover summary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  border: 1px solid rgba(41, 36, 92, 0.18);
  border-radius: 999px;
  color: var(--navy);
  background: var(--white);
  font-size: 0.86rem;
  font-weight: 900;
  cursor: pointer;
  list-style: none;
}

.info-popover summary::-webkit-details-marker {
  display: none;
}

.info-popover p {
  position: absolute;
  right: 0;
  z-index: 10;
  width: min(300px, calc(100vw - 48px));
  margin: 8px 0 0;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--muted);
  background: var(--white);
  box-shadow: 0 16px 36px rgba(41, 36, 92, 0.16);
  font-size: 0.92rem;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 46px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 13px;
  color: var(--ink);
  background: #fffdf8;
  font: inherit;
}

.field textarea {
  min-height: 118px;
  padding-top: 12px;
  resize: vertical;
}

.result {
  margin-top: 18px;
  padding: 18px;
  border-radius: 8px;
  background: var(--mint);
}

.result strong {
  display: block;
  color: var(--navy);
  font-size: 2rem;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

table {
  width: 100%;
  min-width: 560px;
  border-collapse: collapse;
}

th,
td {
  padding: 14px;
  border-bottom: 1px solid var(--line);
  text-align: left;
}

th {
  color: var(--navy);
  background: #fff8e3;
  font-size: 0.9rem;
}

tr:last-child td {
  border-bottom: 0;
}

.faq-item {
  border-bottom: 1px solid var(--line);
  padding: 18px 0;
}

.faq-item h3 {
  font-size: 1.04rem;
}

.breadcrumbs {
  margin-bottom: 18px;
  color: var(--muted);
  font-size: 0.92rem;
}

.footer {
  padding: 42px 0 94px;
  color: var(--white);
  background: var(--ink);
}

.footer .wrap {
  display: grid;
  gap: 28px;
}

.footer p,
.footer a {
  color: rgba(255, 255, 255, 0.72);
}

.footer h3 {
  color: var(--white);
  font-size: 1rem;
}

.footer .brand-logo {
  width: 214px;
}

.footer-links {
  display: grid;
  gap: 8px;
}

.mobile-bar {
  position: fixed;
  right: 0;
  bottom: 0;
  left: 0;
  z-index: 30;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  padding: 10px 14px;
  border-top: 1px solid rgba(41, 36, 92, 0.12);
  background: rgba(255, 250, 240, 0.96);
  backdrop-filter: blur(18px);
}

.mobile-bar .btn {
  min-height: 44px;
  padding: 0 10px;
  font-size: 0.88rem;
}

.legal-list {
  padding-left: 20px;
  color: var(--muted);
}

@media (min-width: 760px) {
  .desktop-cta,
  .nav-links {
    display: inline-flex;
  }

  .mobile-bar {
    display: none;
  }

  .hero {
    padding: 82px 0 74px;
  }

  .hero-grid,
  .split {
    grid-template-columns: minmax(0, 1.1fr) minmax(310px, 0.75fr);
  }

  .grid.two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid.three {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .grid.four {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .step {
    grid-template-columns: 90px minmax(0, 1fr);
  }

  .footer .wrap {
    grid-template-columns: 1.35fr repeat(3, 1fr);
  }
}

@media (min-width: 1020px) {
  .section {
    padding: 82px 0;
  }
}