:root {
  --ink: #14213d;
  --ink-2: #3b4a66;
  --muted: #6b7690;
  --paper: #faf8f4;
  --paper-2: #f2eee6;
  --card: #ffffff;
  --line: #e3ddd1;
  --accent: #1f5f8b;
  --accent-ink: #ffffff;
  --good: #2f7d4f;
  --bad: #b0412e;
  --radius: 14px;
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 16px/1.6 var(--sans);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3 { line-height: 1.15; margin: 0 0 .5em; }
h1, h2 { font-family: var(--serif); font-weight: 600; letter-spacing: -0.01em; }
p { margin: 0 0 1em; }
a { color: var(--accent); }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 760px; }
.center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

/* nav */
.nav { position: sticky; top: 0; z-index: 10; background: rgba(250,248,244,.9); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 60px; }
.brand { display: flex; align-items: center; gap: 10px; font-family: var(--serif); font-size: 20px; font-weight: 600; color: var(--ink); text-decoration: none; }
.brand-mark { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 7px; background: var(--ink); color: var(--paper); font-size: 17px; }
.nav-cta { font-weight: 500; font-size: 15px; text-decoration: none; }

/* hero */
.hero { padding: 72px 0 80px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: start; }
.eyebrow { display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--accent); margin-bottom: 18px; }
h1 { font-size: clamp(36px, 5vw, 56px); }
.lede { font-size: 19px; color: var(--ink-2); max-width: 34em; }
.proof { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 10px; }
.proof li { position: relative; padding-left: 28px; color: var(--ink-2); }
.proof li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 20px; height: 20px; border-radius: 50%; background: #e3eef6; color: var(--accent); font-size: 12px; font-weight: 700; display: grid; place-items: center; margin-top: 2px; }

/* form card */
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 1px 2px rgba(20,33,61,.04), 0 12px 32px rgba(20,33,61,.08); }
.form-card { padding: 28px; scroll-margin-top: 80px; }
.form-title { font-size: 24px; margin-bottom: 6px; }
.form-title:focus { outline: none; }
.form-sub { color: var(--muted); font-size: 15px; }
.field-row { display: flex; gap: 8px; margin-top: 18px; }
input[type=email], textarea {
  width: 100%; font: inherit; color: var(--ink);
  padding: 13px 14px; border: 1px solid var(--line); border-radius: 10px; background: var(--paper);
}
input[type=email]:focus, textarea:focus { outline: 2px solid var(--accent); outline-offset: 1px; border-color: transparent; background: #fff; }
.field-row input { flex: 1; min-width: 0; }
.btn {
  display: inline-block; font: 600 15px var(--sans); white-space: nowrap; cursor: pointer;
  padding: 13px 20px; border: 0; border-radius: 10px; background: var(--ink); color: #fff; text-decoration: none;
  transition: transform .05s, background .15s;
}
.btn:hover { background: #22345c; }
.btn:active { transform: translateY(1px); }
.btn[disabled] { opacity: .6; cursor: progress; }
.btn-block { width: 100%; margin-top: 8px; }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { background: var(--paper-2); }
.hp { position: absolute; left: -9999px; }
.form-error { color: var(--bad); font-size: 14px; margin: 10px 0 0; }
.fineprint { font-size: 12.5px; color: var(--muted); margin: 14px 0 0; }
.success-badge { display: inline-block; font-size: 13px; font-weight: 600; color: var(--good); background: #e6f2ea; padding: 4px 10px; border-radius: 99px; margin-bottom: 12px; }

fieldset { border: 0; padding: 0; margin: 18px 0 0; }
legend { font-weight: 600; font-size: 14px; margin-bottom: 8px; }
.legend-hint { font-style: normal; font-weight: 400; color: var(--muted); margin-left: 4px; }
.opt { display: flex; gap: 10px; align-items: flex-start; font-size: 14.5px; color: var(--ink-2); padding: 5px 0; cursor: pointer; }
.opt input { margin-top: 5px; accent-color: var(--accent); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip input { position: absolute; opacity: 0; pointer-events: none; }
.chip span { display: inline-block; font-size: 14px; padding: 7px 12px; border: 1px solid var(--line); border-radius: 99px; cursor: pointer; background: var(--paper); transition: all .12s; }
.chip input:checked + span { background: var(--ink); border-color: var(--ink); color: #fff; }
.chip input:focus-visible + span { outline: 2px solid var(--accent); outline-offset: 2px; }
.opt-text { display: block; margin-top: 18px; font-size: 14px; font-weight: 600; }
.opt-text em { font-weight: 400; color: var(--muted); font-style: normal; }
.opt-text textarea { margin-top: 8px; font-size: 14.5px; font-weight: 400; resize: vertical; }

/* sections */
.section { padding: 88px 0; }
.section.alt { background: var(--paper-2); }
.kicker { font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; }
.section-title { font-size: clamp(28px, 3.6vw, 40px); }
.section-lede { font-size: 18px; color: var(--ink-2); max-width: 40em; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 36px; }
.tile { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.tile h3 { font-size: 17px; }
.tile p { color: var(--ink-2); font-size: 15px; margin: 0; }

.steps { list-style: none; padding: 0; margin: 36px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.steps li { display: flex; gap: 16px; }
.steps .num { flex: none; display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--ink); color: #fff; font-family: var(--serif); font-weight: 600; }
.steps h3 { font-size: 17px; margin-top: 6px; }
.steps p { color: var(--ink-2); font-size: 15px; }

/* calculator */
.calc { display: grid; grid-template-columns: 340px 1fr; margin-top: 36px; overflow: hidden; }
.calc-inputs { padding: 28px; background: var(--paper); border-right: 1px solid var(--line); display: grid; gap: 22px; align-content: start; }
.calc-field { display: block; margin: 0; }
.calc-label { display: flex; justify-content: space-between; align-items: baseline; font-weight: 600; font-size: 14px; margin-bottom: 10px; padding: 0; }
.calc-label output { font-family: var(--serif); font-size: 20px; color: var(--accent); }
input[type=range] { width: 100%; accent-color: var(--ink); margin: 0; }
.calc-results { padding: 32px; }
.calc-headline { font-family: var(--serif); font-size: clamp(22px, 2.4vw, 28px); line-height: 1.3; margin-bottom: 28px; }
.calc-headline strong { color: var(--bad); }
.bars { display: grid; gap: 18px; }
.bar-head { display: flex; justify-content: space-between; gap: 12px; font-size: 14.5px; margin-bottom: 6px; }
.bar-label { font-weight: 600; }
.bar-label em { font-style: normal; font-weight: 400; color: var(--muted); font-size: 13px; margin-left: 4px; }
.bar-val { font-weight: 600; font-variant-numeric: tabular-nums; white-space: nowrap; }
.bar-diff { color: var(--bad); font-weight: 500; font-size: 13px; margin-left: 8px; }
.bar-track { height: 12px; border-radius: 99px; background: var(--paper-2); overflow: hidden; }
.bar-fill { height: 100%; border-radius: 99px; background: #9aa6bd; transition: width .25s ease; }
.bar-row.us .bar-fill { background: var(--accent); }
.bar-row.bad .bar-fill { background: #d58a7b; }
.calc-note { font-size: 13px; color: var(--muted); margin: 22px 0 0; }
.calc-cta { margin-top: 24px; }
.assumptions { margin-top: 16px; border: 0; padding: 0; }
.assumptions:first-of-type { border: 0; margin-top: 16px; }
.assumptions summary { font-size: 14px; font-weight: 500; color: var(--accent); justify-content: flex-start; }
.assumptions summary::after { font-size: 16px; }
.assumptions ul { margin: 12px 0 0; padding-left: 20px; font-size: 14px; color: var(--ink-2); display: grid; gap: 6px; max-width: 60em; }

.founder { font-size: 18px; color: var(--ink-2); border-left: 3px solid var(--accent); padding-left: 24px; margin-top: 24px; }

details { border-bottom: 1px solid var(--line); padding: 18px 0; }
details:first-of-type { margin-top: 20px; border-top: 1px solid var(--line); }
summary { cursor: pointer; font-weight: 600; font-size: 17px; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font-weight: 400; color: var(--muted); font-size: 22px; line-height: 1; }
details[open] summary::after { content: "–"; }
details p { color: var(--ink-2); margin: 12px 0 0; }

.cta-band { background: var(--ink); color: #fff; }
.cta-band .section-lede { color: #c8d0e0; margin: 0 auto 28px; }

.footer { padding: 40px 0 56px; font-size: 13px; color: var(--muted); }
.footer p { max-width: 70em; }

@media (max-width: 880px) {
  .hero { padding: 40px 0 56px; }
  .hero-grid, .grid-3, .steps, .calc { grid-template-columns: 1fr; }
  .calc-inputs { border-right: 0; border-bottom: 1px solid var(--line); }
  .hero-grid { gap: 36px; }
  .section { padding: 64px 0; }
}
@media (max-width: 480px) {
  .wrap { padding: 0 16px; }
  .field-row { flex-direction: column; }
  .form-card { padding: 22px; }
  .calc-inputs, .calc-results { padding: 22px; }
  .bar-head { flex-direction: column; gap: 2px; }
}

/* glossary terms */
.term {
  font: inherit; color: inherit; background: none; border: 0; padding: 0; margin: 0;
  cursor: help; text-decoration: underline dotted; text-decoration-thickness: 1.5px;
  text-underline-offset: .18em; text-decoration-color: var(--accent);
}
.term:hover, .term[aria-expanded="true"] { color: var(--accent); }
.term:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; border-radius: 3px; }
.term-pop {
  position: absolute; z-index: 20; width: 320px; max-width: calc(100vw - 24px);
  background: var(--ink); color: #e9edf5; border-radius: 12px; padding: 14px 16px;
  font: 14px/1.5 var(--sans); box-shadow: 0 12px 32px rgba(20,33,61,.25);
}
.term-pop strong { display: block; color: #fff; font-weight: 600; margin-bottom: 4px; }
.term-pop p { margin: 0; }