:root {
  --bg: #f4f6f9;
  --surface: #ffffff;
  --surface-2: #eef2f7;
  --text: #17212f;
  --muted: #526173;
  --line: #d8e0ea;
  --navy: #102a43;
  --navy-2: #163a5c;
  --accent: #b08d57;
  --accent-2: #d6b47b;
  --good: #17633d;
  --warn: #965e08;
  --shadow: 0 12px 30px rgba(16, 42, 67, 0.08);
  --radius: 18px;
  --radius-sm: 12px;
  --max: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--text);
  background: linear-gradient(180deg, #f6f8fb 0%, #eef3f8 100%);
  line-height: 1.6;
}
a { color: var(--navy-2); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
.container { width: min(var(--max), calc(100% - 32px)); margin: 0 auto; }
.skip-link {
  position: absolute; left: -999px; top: 0; background: #fff; padding: 10px 14px; z-index: 1000;
}
.skip-link:focus { left: 8px; }
.topbar {
  background: var(--navy); color: #fff; font-size: 14px; padding: 10px 0;
}
.topbar-inner { display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.topbar a { color: #fff; opacity: 0.92; }
.header {
  position: sticky; top: 0; z-index: 50; backdrop-filter: blur(12px);
  background: rgba(255,255,255,0.92); border-bottom: 1px solid rgba(216,224,234,0.9);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 18px; }
.brand { display: flex; align-items: center; gap: 14px; color: var(--navy); font-weight: 800; letter-spacing: -0.02em; }
.logo-mark {
  width: 42px; height: 42px; border-radius: 12px;
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; display: grid; place-items: center; font-weight: 800; box-shadow: var(--shadow);
}
.brand-text small { display: block; color: var(--muted); font-size: 12px; font-weight: 600; }
.nav-toggle { display:none; border:1px solid var(--line); background:#fff; padding:10px 12px; border-radius: 10px; }
.nav-toggle svg { width: 22px; height: 22px; }
.nav { display: flex; align-items: center; gap: 20px; }
.nav a { color: var(--text); font-weight: 600; }
.nav-actions { display:flex; align-items:center; gap:12px; }
.button, button.button {
  display:inline-flex; align-items:center; justify-content:center; gap:10px; padding: 12px 18px; border-radius: 12px;
  font-weight: 700; border: 1px solid transparent; cursor:pointer; text-decoration: none; transition: .18s ease;
}
.button:hover { transform: translateY(-1px); text-decoration:none; }
.button.primary { background: var(--navy); color:#fff; box-shadow: var(--shadow); }
.button.secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.button.gold { background: linear-gradient(180deg, #8c6d42 0%, #80633d 100%); color:#fff; }
.hero {
  padding: 72px 0 36px;
}
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 28px; align-items: start; }
.eyebrow { display:inline-flex; align-items:center; gap: 8px; padding: 8px 12px; border-radius: 999px; background: #e8eef5; color: var(--navy-2); font-weight:700; font-size: 13px; }
h1, h2, h3, h4 { line-height: 1.16; letter-spacing: -0.03em; margin: 0 0 14px; color: var(--navy); }
h1 { font-size: clamp(36px, 5vw, 58px); }
h2 { font-size: clamp(28px, 4vw, 40px); }
h3 { font-size: clamp(22px, 3vw, 28px); }
p.lead { font-size: clamp(18px, 2vw, 21px); color: var(--muted); max-width: 60ch; }
.hero-card, .card, .calculator-shell, .note, .stat, .guide-card, .faq-item {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
}
.hero-card { padding: 24px; }
.kpi-row { display:grid; grid-template-columns: repeat(3,1fr); gap: 14px; margin-top: 18px; }
.stat { padding: 16px; }
.stat strong { display:block; font-size: 28px; color: var(--navy); }
.stat span { color: var(--muted); font-size: 14px; }
.grid-3, .grid-4, .guides-grid, .cards-grid { display:grid; gap: 18px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4,1fr); }
.guides-grid { grid-template-columns: repeat(3, 1fr); }
.cards-grid { grid-template-columns: repeat(2, 1fr); }
.section { padding: 32px 0 72px; }
.card { padding: 22px; }
.card h3, .guide-card h3 { font-size: 24px; }
.card p, .guide-card p, .muted { color: var(--muted); }
.badge { display:inline-block; background:#eef4fa; color: var(--navy-2); font-size: 12px; font-weight: 700; padding: 6px 10px; border-radius: 999px; margin-bottom: 12px; }
.list-clean { list-style: none; padding:0; margin: 0; }
.list-clean li { padding-left: 22px; position: relative; margin-bottom: 10px; }
.list-clean li::before { content: '•'; position:absolute; left:6px; top:0; color: var(--accent); font-weight: 900; }
.cta-band {
  margin-top: 22px; padding: 18px; background: linear-gradient(180deg, #0f2747 0%, #183e64 100%); color:#fff; border-radius: 18px;
}
.cta-band p { color: rgba(255,255,255,.82); margin: 0 0 12px; }
.callout {
  border-left: 4px solid var(--accent); padding: 16px 18px; background: #fffdf8; border-radius: 12px; margin: 18px 0;
}
.callout strong { color: var(--navy); }
.breadcrumbs { font-size:14px; margin: 24px 0 10px; color: var(--muted); }
.breadcrumbs a { color: var(--muted); }
.calculator-shell { padding: 26px; }
.calculator-grid { display:grid; grid-template-columns: 1.05fr .95fr; gap: 22px; align-items: start; }
label { display:block; font-weight:700; color: var(--navy); margin-bottom: 8px; font-size: 14px; }
input, select, textarea {
  width: 100%; border: 1px solid #cfd8e3; background:#fff; border-radius: 12px; padding: 12px 14px; font: inherit; color: var(--text);
}
textarea { min-height: 140px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(21,78,129,.12); border-color: var(--navy-2); }
.form-row { display:grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-bottom: 14px; }
.form-row.single { grid-template-columns: 1fr; }
.field-help { color: var(--muted); font-size: 13px; margin-top: 6px; }
.result-card { background: linear-gradient(180deg, #fbfdff 0%, #eef4fa 100%); border:1px solid var(--line); border-radius: 18px; padding: 22px; }
.result-card .figure { font-size: clamp(32px,4vw,48px); font-weight: 800; color: var(--navy); line-height: 1.05; }
.result-grid { display:grid; grid-template-columns: repeat(2,1fr); gap: 12px; margin-top: 16px; }
.result-item { background:#fff; border:1px solid var(--line); border-radius: 14px; padding: 14px; }
.result-item strong { display:block; color: var(--navy); font-size: 22px; }
.disclaimer {
  font-size: 14px; color: var(--muted); background: #f8fafc; border:1px solid var(--line); padding: 14px 16px; border-radius: 12px; margin-top: 16px;
}
.prose { max-width: 78ch; }
.prose p, .prose li { color: var(--text); }
.guide-card { padding: 22px; }
.faq-item { padding: 18px; }
details summary { cursor:pointer; font-weight: 700; color: var(--navy); }
.footer { background: var(--navy); color: #dfe8f4; padding: 48px 0 28px; margin-top: 60px; }
.footer-grid { display:grid; grid-template-columns: 1.3fr .7fr .7fr; gap: 22px; }
.footer a { color: #dfe8f4; opacity: .92; }
.footer small { color: rgba(223,232,244,.7); }
.inline-note { font-size: 13px; color: var(--muted); }
.sponsor-banner { background: linear-gradient(180deg, #f7f1e5 0%, #fff 100%); border: 1px solid #e6d8ba; border-radius: 18px; padding: 22px; }
.table-like { width: 100%; border-collapse: collapse; }
.table-like th, .table-like td { text-align:left; padding: 12px 10px; border-bottom:1px solid var(--line); }
.table-like th { color: var(--navy); }
@media (max-width: 980px) {
  .hero-grid, .calculator-grid, .grid-3, .grid-4, .guides-grid, .cards-grid, .footer-grid, .kpi-row { grid-template-columns: 1fr; }
  .nav-toggle { display:inline-flex; }
  .nav {
    display:none; position:absolute; right:16px; top:74px; background:#fff; border:1px solid var(--line); border-radius:18px; padding:16px; width:min(320px, calc(100% - 32px));
    box-shadow: var(--shadow); flex-direction:column; align-items:flex-start;
  }
  .nav.open { display:flex; }
  .form-row { grid-template-columns: 1fr; }
}

/* V2 mobile / trust polish */

.contact-phone-small { text-align:center; margin: 12px 0 0; font-size: 14px; }
.contact-phone-small a { color: var(--muted); font-weight: 650; letter-spacing: .01em; }
.contact-phone-small a:hover { color: var(--navy); }
.meta-row { display:flex; flex-wrap:wrap; gap:10px; margin: 12px 0 20px; color:var(--muted); font-size:13px; }
.meta-pill { background:#eef3f8; border:1px solid var(--line); border-radius:999px; padding:6px 10px; }
.assumption-box { background:#f8fafc; border:1px solid var(--line); border-radius:14px; padding:16px; margin-top:16px; }
.assumption-box h4 { margin-bottom:8px; }
.legal-source-list { padding-left: 18px; }
.legal-source-list li { margin-bottom: 8px; }
.footer-legal { margin-top:18px; padding-top:16px; border-top:1px solid rgba(255,255,255,.15); display:flex; flex-wrap:wrap; gap:16px; font-size:13px; }
@media (max-width: 980px) {
  .nav-actions { display:none; }
  .header-inner { min-height:68px; }
  .brand-text small { display:none; }
  .hero { padding-top:44px; }
  
}
@media (max-width: 680px) {
  .container { width:min(var(--max), calc(100% - 24px)); }
  .topbar { padding:7px 0; font-size:12px; }
  .topbar-inner { display:block; }
  .topbar-inner > div:last-child { display:none; }
  .header-inner { min-height:62px; }
  .brand { gap:9px; font-size:15px; }
  .logo-mark { width:36px; height:36px; border-radius:10px; }
  .nav { top:62px; right:12px; width:calc(100% - 24px); }
  .hero { padding:32px 0 18px; }
  h1 { font-size:34px; }
  h2 { font-size:28px; }
  h3 { font-size:22px; }
  p.lead { font-size:17px; }
  .hero-card, .card, .calculator-shell, .guide-card, .faq-item { padding:18px; border-radius:15px; }
  .result-card { padding:18px; }
  .result-grid { grid-template-columns:1fr; }
  .footer { padding:38px 0 24px; }
  
}


/* V2.2 form-control typography and accessibility audit fixes */
input, select, textarea, button {
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
input:not([type="hidden"]), select {
  min-height: 52px;
  height: 52px;
  padding: 0 14px;
  font-size: 16px;
  line-height: 1.2;
  vertical-align: middle;
}
input[type="number"], input[type="tel"], input[type="text"], input[type="email"] {
  font-variant-numeric: tabular-nums;
}
select {
  appearance: none;
  -webkit-appearance: none;
  padding-right: 42px;
  background-image: linear-gradient(45deg, transparent 50%, #526173 50%), linear-gradient(135deg, #526173 50%, transparent 50%);
  background-position: calc(100% - 19px) 22px, calc(100% - 14px) 22px;
  background-size: 5px 5px, 5px 5px;
  background-repeat: no-repeat;
}
textarea {
  padding: 13px 14px;
  font-size: 16px;
  line-height: 1.45;
}
button, .button {
  line-height: 1.15;
}
label {
  line-height: 1.3;
  margin-bottom: 7px;
}
input[type="hidden"], [hidden] { display: none !important; }
.result-card .figure,
.result-item strong,
.rate-benchmark strong { font-variant-numeric: tabular-nums; }
.rate-benchmark {
  margin-top: 8px;
  padding: 10px 12px;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: #f8fafc;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.45;
}
.rate-benchmark strong { color: var(--navy); }
.custom-rate-wrap { margin-top: 10px; }
.custom-rate-wrap[hidden] { display:none !important; }
@media (max-width: 680px) {
  input:not([type="hidden"]), select { min-height: 54px; height: 54px; font-size: 17px; }
  textarea { font-size: 17px; }
  
}


/* V2.2 Quick Exit is kept in the top utility bar so it never covers a form field. */
  .topbar-inner > div:last-child { display:block; }
  .topbar-inner > div:nth-child(2):not(
  
  
.forms-hero-grid { display:grid; grid-template-columns:1.15fr .85fr; gap:24px; align-items:start; }
.forms-nav-card { background:#fff; border:1px solid var(--line); border-radius:18px; box-shadow:var(--shadow); padding:22px; }
.form-number { display:inline-flex; width:42px; height:42px; align-items:center; justify-content:center; border-radius:12px; background:var(--navy); color:#fff; font-weight:800; font-variant-numeric:tabular-nums; flex:0 0 auto; }
.form-card-head { display:flex; gap:14px; align-items:flex-start; }
.form-card-head h3 { margin-top:2px; }
.forms-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:18px; }
.form-guide-layout { display:grid; grid-template-columns:minmax(0,1fr) 300px; gap:28px; align-items:start; }
.form-guide-main { min-width:0; }
.form-guide-side { position:sticky; top:96px; }
.form-guide-side .card { box-shadow:none; }
.plain-box { background:#f7f9fc; border:1px solid var(--line); border-radius:16px; padding:18px; margin:18px 0; }
.plain-box h3, .plain-box h4 { margin-top:0; }
.warning-box { background:#fff8ed; border:1px solid #ead4ac; border-left:4px solid var(--accent); border-radius:14px; padding:16px 18px; margin:18px 0; }
.important-box { background:#f3f7fb; border:1px solid #cddceb; border-left:4px solid var(--navy-2); border-radius:14px; padding:16px 18px; margin:18px 0; }
.form-part { border-top:1px solid var(--line); padding-top:22px; margin-top:22px; }
.form-part h2 { font-size:28px; }
.step-list { counter-reset:steps; list-style:none; padding:0; }
.step-list li { counter-increment:steps; position:relative; padding:0 0 18px 52px; min-height:42px; }
.step-list li::before { content:counter(steps); position:absolute; left:0; top:0; width:34px; height:34px; display:grid; place-items:center; border-radius:10px; background:#e9f0f7; color:var(--navy); font-weight:800; }
.source-box { background:#fff; border:1px solid var(--line); border-radius:14px; padding:16px; margin-top:16px; }
.source-box a { word-break:break-word; }
.verified-line { color:var(--muted); font-size:13px; margin:8px 0 0; }
.form-decision { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:14px; margin:18px 0; }
.decision-card { background:#fff; border:1px solid var(--line); border-radius:14px; padding:16px; }
.decision-card strong { display:block; color:var(--navy); margin-bottom:5px; }
@media (max-width:980px){ .forms-hero-grid, .form-guide-layout, .forms-grid, .form-decision { grid-template-columns:1fr; } .form-guide-side { position:static; } }
@media (max-width:680px){ .forms-hero { padding-top:26px; } .form-number { width:38px; height:38px; } .form-part h2 { font-size:24px; } .forms-nav-card { padding:18px; } }

/* V3.2 compact lived-experience note */
.experience-note {
  background:#fffdf8;
  border:1px solid #eadfca;
  border-left:4px solid var(--accent);
  border-radius:12px;
  padding:12px 14px;
  margin:0 0 18px;
  color:var(--text);
}
.experience-note strong { display:block; color:var(--navy); margin-bottom:4px; font-size:15px; line-height:1.3; }
.experience-note p { margin:0; font-size:15px; line-height:1.5; color:var(--text); }
.experience-note small { display:block; margin-top:6px; color:var(--muted); font-size:12px; line-height:1.4; }
@media (max-width: 640px) {
  .experience-note { padding:11px 12px; margin-bottom:16px; }
  .experience-note p { font-size:14px; line-height:1.45; }
  .experience-note small { font-size:11.5px; }
}

/* V3.3 review/source trust treatment */
.review-date-row { margin:10px 0 16px; display:flex; flex-wrap:wrap; gap:8px; align-items:center; }
.review-date-badge { display:inline-flex; align-items:center; min-height:28px; padding:5px 9px; border:1px solid var(--line); border-radius:999px; background:#f7f9fc; color:var(--muted); font-size:12px; font-weight:700; line-height:1.2; }
.primary-source-strip { margin:22px 0 0; padding:13px 15px; border:1px solid var(--line); border-radius:12px; background:#f8fafc; color:var(--muted); font-size:13px; line-height:1.45; }
.primary-source-strip strong { color:var(--navy); }
.primary-source-strip a { font-weight:700; }
.primary-source-strip .source-sep { color:#9aa6b3; margin:0 5px; }
@media (max-width:640px){ .review-date-row{margin-top:8px;margin-bottom:14px}.review-date-badge{font-size:11.5px}.primary-source-strip{font-size:12.5px;padding:11px 12px;margin-top:18px} }

/* V4 audit completion */
.bc-path-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:20px 0}.bc-path-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}.bc-path-card h3{font-size:21px}.process-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:18px 0}.process-step{background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:14px}.process-step strong{display:block;color:var(--navy);margin-bottom:5px}.guide-toc{background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:18px 0}.guide-toc a{display:inline-block;margin:3px 12px 3px 0}.corrections-box{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}.result-kicker{font-size:12px;text-transform:uppercase;letter-spacing:.06em;font-weight:800;color:var(--muted)}}
@media(max-width:680px){.bc-path-grid,.process-strip{grid-template-columns:1fr}
.home-help-card { background:#fff; border:1px solid var(--line); border-radius:18px; padding:22px; box-shadow:var(--shadow); }
.home-help-card h3 { font-size:24px; }
.home-help-card p { color:var(--muted); }
.home-path-link { display:inline-flex; margin-top:8px; font-weight:800; }
.home-form-grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:14px; }
.home-form-card { background:#fff; border:1px solid var(--line); border-radius:16px; padding:18px; }
.home-form-card .form-number { margin-bottom:12px; }
.home-form-card h3 { font-size:20px; }
.home-process-band { background:linear-gradient(180deg,#102a43 0%,#163a5c 100%); color:#fff; border-radius:20px; padding:24px; }
.home-process-band h2,.home-process-band h3 { color:#fff; }
.home-process-band p { color:rgba(255,255,255,.83); }
.home-process-band .button.secondary { border-color:rgba(255,255,255,.28); }
.home-story { display:grid; grid-template-columns:1.15fr .85fr; gap:22px; align-items:start; }
.home-story .card { height:100%; }
.home-trust-list { display:grid; gap:12px; }
.home-trust-item { background:#fff; border:1px solid var(--line); border-radius:14px; padding:16px; }
.home-trust-item strong { color:var(--navy); display:block; margin-bottom:4px; }
@media(max-width:980px){.home-help-grid,.home-form-grid,.home-story{grid-template-columns:1fr 1fr}}
@media(max-width:680px){
  .home-help-grid,.home-form-grid,.home-story{grid-template-columns:1fr}
  .home-process-band{padding:19px}
  .home-help-card,.home-form-card{padding:18px}
}

/* Context box used on BC form guides */
.legal-advice-box {
  margin-top: 16px;
  padding: 18px;
  background: #f8fafc;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
}
.legal-advice-box h3 { margin-bottom: 8px; font-size: 18px; }
.legal-advice-box p { margin: 0; color: var(--muted); font-size: 14px; }