:root {
  --ink: #2b2f2e;
  --ink-deep: #1e2524;
  --blue: #5bcbf0;
  --blue-bright: #89dcf7;
  --blue-pale: #e9f9fe;
  --paper: #fafafa;
  --white: #ffffff;
  --muted: #61706e;
  --line: #dce5e3;
  --soft-line: #e9eeee;
  --shadow: 0 20px 54px rgba(32, 52, 49, 0.1);
  --sans: "Brandon Grotesque", "Avenir Next", Avenir, "Nunito Sans", ui-rounded, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono: "SFMono-Regular", Consolas, "Liberation Mono", monospace;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--sans); -webkit-font-smoothing: antialiased; }
button, input { font: inherit; }
button { cursor: pointer; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

.skip-link { position: absolute; z-index: 100; left: 1rem; top: -4rem; padding: .7rem 1rem; color: var(--ink); background: var(--blue); border-radius: 0 0 .6rem .6rem; font-weight: 800; transition: top .2s ease; }
.skip-link:focus { top: 0; }
.page-shell { width: min(1180px, calc(100% - 48px)); margin: 0 auto; }

.utility-bar { color: #cfdbda; background: var(--ink-deep); font-size: .78rem; letter-spacing: .02em; }
.utility-inner { min-height: 34px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.utility-inner p { margin: 0; display: flex; align-items: center; gap: .5rem; }
.utility-inner a { color: var(--blue-bright); font-weight: 750; }
.dot { width: .45rem; height: .45rem; display: inline-block; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 4px rgba(91,203,240,.13); }

.site-header { position: relative; z-index: 20; background: rgba(250,250,250,.96); border-bottom: 1px solid rgba(220,229,227,.78); }
.nav-wrap { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { display: inline-flex; align-items: center; width: 178px; }
.brand img { width: 100%; height: auto; }
.site-nav { display: flex; align-items: center; gap: 1.7rem; font-size: .92rem; font-weight: 730; }
.site-nav > a:not(.button) { color: #53615f; transition: color .2s ease; }
.site-nav > a:not(.button):hover { color: var(--ink); }
.menu-toggle { display: none; width: 42px; height: 42px; padding: 9px; border: 1px solid var(--line); border-radius: .7rem; background: var(--white); }
.menu-toggle span { display: block; height: 2px; margin: 4px 0; border-radius: 10px; background: var(--ink); }

.button { display: inline-flex; align-items: center; justify-content: center; gap: .6rem; border: 1px solid transparent; border-radius: .75rem; padding: .9rem 1.1rem; font-size: .92rem; font-weight: 800; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { color: var(--ink); background: var(--blue); box-shadow: 0 10px 24px rgba(91,203,240,.24); }
.button-primary:hover { background: var(--blue-bright); box-shadow: 0 14px 28px rgba(91,203,240,.32); }
.button-dark { color: var(--white); background: var(--ink); }
.button-dark:hover { background: var(--ink-deep); }
.button-small { padding: .62rem .83rem; border-radius: .6rem; font-size: .84rem; }
.text-link { display: inline-flex; align-items: center; gap: .45rem; color: var(--ink); font-size: .92rem; font-weight: 800; }
.text-link:hover { color: #397e94; }
.light-link { color: #e3edec; }
.light-link:hover { color: var(--blue-bright); }

.hero { position: relative; overflow: hidden; color: var(--white); background: linear-gradient(120deg, #202827 0%, #263431 55%, #1e2524 100%); }
.hero::before { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px); background-size: 40px 40px; mask-image: linear-gradient(to bottom, black, transparent 90%); opacity: .35; }
.hero-glow { position: absolute; width: 37rem; height: 37rem; border-radius: 50%; filter: blur(10px); pointer-events: none; }
.hero-glow-left { top: -28rem; left: -13rem; background: radial-gradient(circle, rgba(91,203,240,.28), transparent 63%); }
.hero-glow-right { bottom: -30rem; right: -15rem; background: radial-gradient(circle, rgba(91,203,240,.2), transparent 62%); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, .92fr) minmax(410px, 1.08fr); align-items: center; gap: 5rem; min-height: 500px; padding: 5rem 0; }
.eyebrow { display: inline-flex; align-items: center; gap: .48rem; color: #3d92ac; font-size: .7rem; font-weight: 900; letter-spacing: .09em; line-height: 1.2; text-transform: uppercase; }
.eyebrow-light { color: var(--blue-bright); }
.spark { font-size: 1rem; }
.hero h1, h2, h3, p { margin-top: 0; }
.hero h1 { max-width: 670px; margin: 1rem 0 1.15rem; font-size: clamp(2.7rem, 5vw, 4.55rem); line-height: .98; letter-spacing: -.055em; font-weight: 820; }
.hero h1 span, h2 span { color: var(--blue); }
.hero-intro { max-width: 530px; color: #c8d5d3; font-size: 1.08rem; line-height: 1.58; }
.hero-points { display: flex; flex-wrap: wrap; gap: .85rem 1.15rem; margin: 1.55rem 0 2rem; color: #e8f1f0; font-size: .87rem; font-weight: 720; }
.hero-points b { color: var(--blue); }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 1.15rem; }

.video-stage { position: relative; min-width: 0; padding: 1rem 0 1.6rem 1.6rem; }
.video-halo { position: absolute; left: 0; right: 2rem; top: 0; bottom: 1rem; border: 1px solid rgba(91,203,240,.45); border-radius: 1.25rem; transform: rotate(-1.2deg); }
.video-card { position: relative; overflow: hidden; padding: .65rem; border: 1px solid rgba(255,255,255,.15); border-radius: 1.1rem; background: #111a19; box-shadow: 0 30px 50px rgba(0,0,0,.25); }
.video-label { display: flex; align-items: center; gap: .45rem; padding: .35rem .35rem .7rem; color: #dce9e7; font-size: .68rem; font-weight: 790; letter-spacing: .08em; text-transform: uppercase; }
.pulse { width: .5rem; height: .5rem; display: inline-block; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 4px rgba(91,203,240,.15); }
.video-card iframe { display: block; width: 100%; aspect-ratio: 16 / 9; border: 0; border-radius: .7rem; background: #000; }
.video-note { position: absolute; z-index: 2; bottom: 0; left: 0; width: min(325px, 80%); display: flex; align-items: flex-start; gap: .6rem; padding: .8rem .9rem; color: #34423f; border: 1px solid #dcece9; border-radius: .75rem; background: var(--white); box-shadow: 0 12px 24px rgba(0,0,0,.16); font-size: .74rem; font-weight: 750; line-height: 1.35; }
.note-icon { color: #3d98b4; font-size: 1rem; }

.calculator-section { position: relative; padding: 6.5rem 0 5.3rem; overflow: hidden; background: var(--paper); }
.calculator-section::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(#b4d9e4 1px, transparent 1px); background-size: 26px 26px; mask-image: linear-gradient(to bottom, rgba(0,0,0,.28), transparent 80%); opacity: .36; }
.calculator-section .page-shell { position: relative; z-index: 1; }
.section-heading { max-width: 580px; }
.centered-heading { margin: 0 auto 2.8rem; text-align: center; }
.centered-heading .eyebrow { justify-content: center; }
h2 { margin: .9rem 0 .7rem; font-size: clamp(2.05rem, 4vw, 3.4rem); line-height: 1.03; letter-spacing: -.05em; font-weight: 820; }
.section-heading > p { color: var(--muted); font-size: 1rem; line-height: 1.6; }
.calculator-section h2 span, .process-section h2 span, .faq-section h2 span { color: #216d84; }
.calculator-section .eyebrow, .process-section .eyebrow, .faq-section .eyebrow { color: #296f86; }
.calculator-card { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(330px, .95fr); overflow: hidden; border: 1px solid var(--line); border-radius: 1.35rem; background: var(--white); box-shadow: var(--shadow); }
.calculator-form { padding: 2.1rem; }
.form-section + .form-section { margin-top: 2rem; }
.form-section-divider { padding-top: 1.8rem; border-top: 1px solid var(--soft-line); }
.form-kicker { display: block; margin-bottom: .8rem; color: #8a9996; font-family: var(--mono); font-size: .66rem; font-weight: 750; letter-spacing: .07em; text-transform: uppercase; }
.field-label, .input-group label { display: block; margin-bottom: .58rem; color: #45514f; font-size: .78rem; font-weight: 850; letter-spacing: .04em; text-transform: uppercase; }
.segmented { display: grid; grid-template-columns: repeat(3, 1fr); overflow: hidden; max-width: 460px; border: 1px solid #cfdad8; border-radius: .75rem; }
.segment { min-height: 58px; padding: .55rem .35rem; color: #5d6c69; border: 0; border-right: 1px solid #d8e1df; background: #fbfcfc; text-align: center; transition: background .2s ease, color .2s ease; }
.segment:last-child { border-right: 0; }
.segment strong { display: block; font-size: 1rem; }
.segment small { display: block; margin-top: .15rem; font-size: .64rem; font-weight: 700; }
.segment.active { color: var(--ink); background: var(--blue); }
.segment:hover:not(.active) { background: #edf7f9; }
.field-help { max-width: 450px; margin: .75rem 0 0; color: #6d7a78; font-size: .82rem; line-height: 1.45; }
.input-grid { display: grid; grid-template-columns: 1.45fr repeat(3, .8fr); gap: .8rem; }
.input-shell { display: flex; align-items: center; min-height: 49px; padding: 0 .8rem; border: 1px solid #ccd8d6; border-radius: .65rem; background: #fff; color: #6d7a78; transition: border .2s ease, box-shadow .2s ease; }
.input-shell:focus-within { border-color: #4db9dd; box-shadow: 0 0 0 3px rgba(91,203,240,.18); }
.input-shell input, .input-shell select { width: 100%; min-width: 0; padding: .2rem; color: var(--ink); outline: none; border: 0; background: transparent; font-size: 1rem; font-weight: 760; }
.input-shell input::-webkit-inner-spin-button, .input-shell input::-webkit-outer-spin-button { appearance: none; margin: 0; }
.input-shell input[type="number"] { -moz-appearance: textfield; }
.money-shell input { padding-left: .35rem; }
.input-help { margin: .38rem 0 0; color: #97a4a2; font-size: .67rem; line-height: 1.25; }
.loan-amount-line { display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin-top: 1.4rem; padding: .8rem 0 0; border-top: 1px dashed #d9e2e0; color: #6d7977; font-size: .82rem; }
.loan-amount-line strong { color: var(--ink); font-size: 1rem; }
.calculator-disclaimer { margin-top: 1.6rem; padding: .8rem .9rem; color: #778481; border-radius: .55rem; background: #f5f8f7; font-size: .69rem; line-height: 1.4; }

.savings-panel { padding: 2.1rem; color: var(--white); background: var(--ink); }
.savings-panel .form-kicker { color: #8edcf5; }
.panel-intro h3 { margin: 0 0 .35rem; font-size: 1.45rem; letter-spacing: -.035em; }
.panel-intro p { margin-bottom: 1.45rem; color: #b9c9c6; font-size: .84rem; line-height: 1.45; }
.full-payment { padding: 1rem 1.1rem; border: 1px solid rgba(255,255,255,.13); border-radius: .75rem; background: rgba(255,255,255,.06); }
.full-payment span, .full-payment small { display: block; color: #b9c9c6; font-size: .7rem; font-weight: 690; }
.full-payment strong { display: block; margin: .22rem 0 .12rem; color: var(--blue); font-size: 2rem; letter-spacing: -.045em; }
.year-results { display: grid; gap: .6rem; margin: 1rem 0; }
.year-result { display: grid; grid-template-columns: 2.1rem minmax(0, 1fr) auto; gap: .6rem; align-items: center; padding: .75rem 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.year-result:last-child { border-bottom: 0; }
.year-chip { display: inline-grid; place-items: center; width: 2.1rem; height: 2.1rem; color: var(--ink); border-radius: .45rem; background: var(--blue); font-family: var(--mono); font-size: .72rem; font-weight: 900; }
.year-main strong, .year-saving strong { display: block; color: #fff; font-size: .98rem; }
.year-main span, .year-saving span { display: block; color: #b8c8c5; font-size: .67rem; }
.year-saving { text-align: right; }
.year-saving strong { color: var(--blue); font-size: .85rem; }
.total-saving { display: flex; align-items: flex-end; justify-content: space-between; gap: 1rem; margin-top: .45rem; padding: 1rem 1.05rem; border-radius: .75rem; background: #344442; }
.total-saving span, .total-saving small { display: block; color: #d5e2e0; }
.total-saving span { font-size: .8rem; font-weight: 760; }
.total-saving small { margin-top: .18rem; font-size: .65rem; }
.total-saving strong { color: var(--blue); font-size: 1.55rem; letter-spacing: -.04em; }
.cost-note { margin: .8rem 0 0; color: #aebfbc; font-size: .67rem; line-height: 1.42; }
.calculator-next { width: max-content; max-width: 100%; display: flex; align-items: center; gap: .6rem; margin: 1.7rem auto 0; color: #466562; font-size: .83rem; font-weight: 800; }
.calculator-next:hover { color: var(--ink); }
.calculator-next-icon { display: grid; place-items: center; width: 1.85rem; height: 1.85rem; color: var(--ink); border-radius: 50%; background: var(--blue); }

.process-section { padding: 6.5rem 0; background: #f0f6f5; }
.process-heading { margin-bottom: 2.4rem; }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.process-card { min-height: 285px; position: relative; padding: 1.5rem; border: 1px solid #d8e3e0; border-radius: 1rem; background: rgba(255,255,255,.66); }
.process-card.featured { color: var(--white); border-color: var(--ink); background: var(--ink); box-shadow: 0 18px 30px rgba(43,47,46,.13); }
.step-number { position: absolute; top: 1.35rem; right: 1.35rem; color: #a7b8b5; font-family: var(--mono); font-size: .7rem; font-weight: 800; }
.featured .step-number { color: #7dd7f4; }
.step-icon { display: grid; place-items: center; width: 2.8rem; height: 2.8rem; margin-bottom: 3.2rem; color: var(--ink); border-radius: .75rem; background: var(--blue); font-size: 1.25rem; font-weight: 900; }
.process-card h3 { margin-bottom: .65rem; font-size: 1.32rem; letter-spacing: -.035em; }
.process-card p { margin-bottom: 0; color: #62716e; font-size: .88rem; line-height: 1.55; }
.featured p { color: #cbdad7; }
.process-footnote { display: flex; align-items: flex-start; gap: .5rem; max-width: 780px; margin: 1.7rem auto 0; color: #687773; font-size: .76rem; line-height: 1.45; text-align: center; }
.process-footnote span { color: #379dbd; }

.faq-section { padding: 6.5rem 0; background: var(--white); }
.faq-grid { display: grid; grid-template-columns: minmax(250px, .76fr) minmax(0, 1.24fr); gap: clamp(3rem, 9vw, 10rem); align-items: start; }
.faq-copy { position: sticky; top: 1.5rem; }
.faq-copy p { margin-bottom: 1.35rem; color: var(--muted); font-size: .98rem; line-height: 1.6; }
.faq-list { border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); }
summary { display: flex; justify-content: space-between; gap: 1rem; padding: 1.2rem .15rem; color: #374442; list-style: none; font-size: 1rem; font-weight: 800; cursor: pointer; }
summary::-webkit-details-marker { display: none; }
summary span { color: #3a9cba; font-size: 1.35rem; font-weight: 400; transition: transform .2s ease; }
details[open] summary span { transform: rotate(45deg); }
details p { max-width: 630px; margin: -.25rem .15rem 1.25rem; color: #667470; font-size: .9rem; line-height: 1.6; }

.advisor-section { padding: 5.7rem 0; overflow: hidden; background: var(--ink-deep); }
.advisor-card { display: grid; grid-template-columns: minmax(260px, .78fr) minmax(0, 1.22fr); align-items: center; gap: clamp(2rem, 7vw, 7rem); }
.advisor-image-wrap { position: relative; width: min(100%, 375px); margin: 0 auto; padding: 1.2rem 0 0 1.2rem; }
.advisor-image-wrap img { position: relative; z-index: 1; width: 100%; aspect-ratio: 1 / 1; border-radius: 1rem; object-fit: cover; object-position: center; filter: saturate(.94) contrast(1.04); }
.portrait-accent { position: absolute; border: 1px solid rgba(91,203,240,.75); border-radius: 1rem; }
.portrait-accent-one { top: 0; left: 0; right: 1.3rem; bottom: 1.3rem; transform: rotate(-3deg); }
.portrait-accent-two { top: 1.8rem; left: 1.8rem; right: -.65rem; bottom: -.65rem; opacity: .35; transform: rotate(2.5deg); }
.portrait-tag { position: absolute; z-index: 2; right: -1.2rem; bottom: 1.6rem; padding: .7rem .8rem; color: #384744; border-radius: .6rem; background: var(--white); box-shadow: 0 8px 20px rgba(0,0,0,.24); font-size: .73rem; font-weight: 850; }
.portrait-tag span { color: #3d9dbb; }
.advisor-copy { color: var(--white); }
.advisor-copy h2 { max-width: 660px; margin-top: .9rem; }
.advisor-copy p:not(.advisor-note) { max-width: 600px; margin-bottom: 1.5rem; color: #c2d0ce; font-size: 1rem; line-height: 1.65; }
.advisor-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1.1rem; }
.advisor-note { margin: 1.35rem 0 0; color: #8fa19e; font-size: .72rem; line-height: 1.4; }

.site-footer { padding: 1.8rem 0; border-top: 1px solid rgba(255,255,255,.08); color: #c1d0ce; background: #17201f; }
.footer-grid { display: grid; grid-template-columns: 160px minmax(0, 1fr) auto; gap: 2rem; align-items: center; }
.footer-brand img { width: 145px; filter: brightness(0) invert(1) grayscale(1) contrast(.5); opacity: .88; }
.footer-note { max-width: 650px; margin: 0; color: #90a29f; font-size: .68rem; line-height: 1.45; }
.back-top { color: var(--blue-bright); font-size: .78rem; font-weight: 800; white-space: nowrap; }

:focus-visible { outline: 3px solid #2186a5; outline-offset: 3px; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 3rem; padding: 4.5rem 0 5.3rem; }
  .hero-copy { max-width: 650px; }
  .video-stage { max-width: 650px; width: 100%; margin-left: auto; }
  .calculator-card { grid-template-columns: 1fr; }
  .savings-panel { padding-top: 2rem; }
  .process-grid { grid-template-columns: 1fr; }
  .process-card { min-height: auto; }
  .step-icon { margin-bottom: 2rem; }
  .faq-grid { grid-template-columns: 1fr; gap: 2.4rem; }
  .faq-copy { position: static; }
  .advisor-card { grid-template-columns: 1fr; gap: 3rem; }
  .advisor-image-wrap { margin-left: 0; }
}

@media (max-width: 680px) {
  .page-shell { width: min(100% - 32px, 1180px); }
  .utility-inner { min-height: 31px; font-size: .68rem; }
  .utility-inner p { display: none; }
  .utility-inner { justify-content: flex-end; }
  .nav-wrap { min-height: 69px; gap: 1rem; }
  .brand { width: 145px; }
  .menu-toggle { display: block; }
  .site-nav { position: absolute; top: 100%; left: 0; right: 0; display: none; align-items: stretch; gap: 0; padding: .6rem 16px 1rem; border-bottom: 1px solid var(--line); background: var(--paper); box-shadow: 0 12px 15px rgba(20,35,32,.06); }
  .site-nav.open { display: grid; }
  .site-nav > a:not(.button) { padding: .72rem 0; }
  .site-nav .button { margin-top: .45rem; }
  .hero-grid { min-height: auto; padding: 3.7rem 0 4.6rem; }
  .hero h1 { font-size: clamp(2.6rem, 12vw, 3.7rem); }
  .hero-intro { font-size: 1rem; }
  .video-stage { padding: .85rem 0 1.4rem .85rem; }
  .video-note { left: -.3rem; font-size: .66rem; }
  .calculator-section, .process-section, .faq-section { padding: 4.3rem 0; }
  .calculator-form, .savings-panel { padding: 1.35rem; }
  .input-grid { grid-template-columns: 1fr 1fr; }
  .input-group-wide { grid-column: 1 / -1; }
  .section-heading > p { font-size: .92rem; }
  .centered-heading { margin-bottom: 2rem; }
  .year-result { grid-template-columns: 2.1rem minmax(0, 1fr) auto; }
  .process-footnote { text-align: left; }
  .advisor-section { padding: 4.2rem 0; }
  .advisor-card { gap: 2.8rem; }
  .portrait-tag { right: -.3rem; bottom: .7rem; }
  .footer-grid { grid-template-columns: 1fr auto; gap: 1.1rem; }
  .footer-note { grid-column: 1 / -1; grid-row: 2; }
}

@media (max-width: 390px) {
  .hero-actions, .advisor-actions { align-items: flex-start; flex-direction: column; }
  .button { width: 100%; }
  .input-grid { gap: .65rem; }
  .segmented { width: 100%; }
  .total-saving { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr; }
  .back-top { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; }
}