/* ============================================================
   Shared design system — all 6 sites
   Accent colors are injected per-site via :root in the page head
   ============================================================ */

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0}

:root{
  --bg:#ffffff;
  --bg-alt:#f6f7f9;
  --surface:#ffffff;
  --text:#12151b;
  --muted:#5b6472;
  --line:#e3e6ea;
  --ok:#0f9d58;
  --radius:14px;
  --shadow:0 1px 2px rgba(16,20,28,.06),0 8px 24px rgba(16,20,28,.06);
  --shadow-lg:0 2px 4px rgba(16,20,28,.06),0 18px 48px rgba(16,20,28,.12);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --maxw:1140px;
}

body{
  font-family:var(--font);
  color:var(--text);
  background:var(--bg);
  font-size:17px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}

h1,h2,h3,h4{line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em;font-weight:800}
h1{font-size:clamp(2rem,5.2vw,3.5rem)}
h2{font-size:clamp(1.5rem,3.4vw,2.25rem)}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.section{padding:72px 0}
.section-alt{background:var(--bg-alt)}
.center{text-align:center}
.muted{color:var(--muted)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------- Skip link (a11y) ---------- */
.skip{position:absolute;left:-9999px;top:0;background:var(--accent);color:#fff;padding:12px 18px;z-index:200;border-radius:0 0 8px 0}
.skip:focus{left:0}

/* ---------- Header ---------- */
.hdr{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;gap:16px;min-height:66px;max-width:var(--maxw);margin:0 auto;padding:0 20px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.06rem;color:var(--text);letter-spacing:-.02em}
.logo:hover{text-decoration:none}
.logo-mark{width:34px;height:34px;border-radius:9px;background:var(--accent);color:#fff;display:grid;place-items:center;font-size:17px;flex:none}
.hdr-nav{display:flex;gap:22px;margin-left:auto;align-items:center}
.hdr-nav a{color:var(--muted);font-weight:600;font-size:.95rem}
.hdr-nav a:hover{color:var(--text);text-decoration:none}
.hdr-cta{margin-left:auto;display:flex;align-items:center;gap:12px}
.tel{font-weight:800;color:var(--text);white-space:nowrap}
.tel:hover{text-decoration:none;color:var(--accent)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  background:var(--accent);color:#fff;border:0;
  padding:15px 28px;border-radius:11px;
  font:inherit;font-weight:700;font-size:1.03rem;
  cursor:pointer;text-decoration:none;
  transition:background .15s ease,transform .08s ease,box-shadow .15s ease;
  box-shadow:0 1px 2px rgba(16,20,28,.14);
  line-height:1.2;
}
.btn:hover{background:var(--accent-dark);text-decoration:none;color:#fff;box-shadow:0 4px 14px rgba(16,20,28,.16)}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:3px solid var(--accent);outline-offset:3px}
.btn[disabled]{opacity:.45;cursor:not-allowed}
.btn-lg{padding:19px 40px;font-size:1.13rem;border-radius:13px}
.btn-ghost{background:transparent;color:var(--text);border:1.5px solid var(--line);box-shadow:none}
.btn-ghost:hover{background:var(--bg-alt);color:var(--text);border-color:#cfd4da;box-shadow:none}
.btn-block{width:100%}

/* ---------- Hero ---------- */
.hero{padding:64px 0 56px;background:linear-gradient(180deg,var(--accent-wash) 0%,#fff 100%);position:relative;overflow:hidden}
.hero-deco{position:absolute;right:-50px;bottom:-40px;width:340px;height:340px;pointer-events:none;user-select:none;z-index:0}
.hero-deco svg{width:100%;height:100%}
.hero-grid{display:grid;grid-template-columns:1fr 480px;gap:56px;align-items:start;position:relative;z-index:1}
.hero h1{margin-bottom:.35em}
.hero-sub{font-size:1.19rem;color:var(--muted);max-width:34em;margin-bottom:28px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#fff;font-size:.76rem;font-weight:800;letter-spacing:.09em;text-transform:uppercase;padding:7px 14px;border-radius:999px;margin-bottom:20px}

.proof{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:11px}
.proof li{display:flex;align-items:flex-start;gap:11px;font-weight:600;font-size:1.02rem}
.proof li::before{content:"";flex:none;width:22px;height:22px;margin-top:1px;border-radius:50%;background:var(--ok);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");background-size:14px;background-repeat:no-repeat;background-position:center}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.step-n{width:40px;height:40px;border-radius:11px;background:var(--accent-wash);color:var(--accent-dark);display:grid;place-items:center;font-weight:800;font-size:1.1rem;margin-bottom:16px}

/* ---------- FAQ ---------- */
.faq{max-width:820px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:12px;background:var(--surface);margin-bottom:12px;overflow:hidden}
.faq summary{cursor:pointer;padding:20px 24px;font-weight:700;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;font-weight:400;color:var(--muted);flex:none;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .faq-a{padding:20px 24px;color:var(--muted)}
.faq .faq-a p:last-child{margin-bottom:0}

/* ---------- Footer ---------- */
.ftr{background:#12151b;color:#9aa3b0;padding:56px 0 32px;font-size:.94rem}
.ftr a{color:#cfd6e0}
.ftr h4{color:#fff;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
.ftr-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:36px}
.ftr ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.ftr-bot{border-top:1px solid #262b34;padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.87rem}

/* ============================================================
   WIZARD
   ============================================================ */
.wiz{background:var(--surface);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-lg);overflow:hidden;position:sticky;top:86px}
.wiz-head{padding:22px 26px 0}
.wiz-title{font-weight:800;font-size:1.16rem;margin:0 0 4px}
.wiz-note{color:var(--muted);font-size:.9rem;margin:0}
.wiz-bar{height:6px;background:var(--bg-alt);margin:18px 0 0;position:relative;overflow:hidden}
.wiz-bar span{position:absolute;inset:0 auto 0 0;background:var(--accent);width:0;transition:width .35s cubic-bezier(.4,0,.2,1)}
.wiz-body{padding:26px}
.wiz-step{display:none;animation:fade .28s ease}
.wiz-step.on{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){
  .wiz-step{animation:none}
  .wiz-bar span{transition:none}
  html{scroll-behavior:auto}
}
.wiz-q{font-weight:800;font-size:1.22rem;margin:0 0 6px;letter-spacing:-.01em}
.wiz-help{color:var(--muted);font-size:.92rem;margin:0 0 18px}
.wiz-count{font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}

.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:.9rem;margin-bottom:6px}
.field input,.field select,.field textarea{
  width:100%;padding:14px 15px;border:1.5px solid var(--line);border-radius:10px;
  font:inherit;font-size:1rem;background:#fff;color:var(--text);
  transition:border-color .15s ease,box-shadow .15s ease;
}
.field textarea{min-height:96px;resize:vertical}
.field select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235b6472' stroke-width='2.5' stroke-linecap='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;background-size:19px;padding-right:42px}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-wash)}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:#d93025;box-shadow:0 0 0 3px #fde7e5}
.err{color:#d93025;font-size:.86rem;font-weight:600;margin-top:6px;display:none}
.err.on{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}

/* choice tiles */
.choices{display:grid;gap:10px}
.choices.c2{grid-template-columns:1fr 1fr}
.choice{
  display:flex;align-items:center;gap:12px;
  border:1.5px solid var(--line);border-radius:11px;padding:16px 17px;
  cursor:pointer;font-weight:650;background:#fff;text-align:left;
  font:inherit;font-weight:650;color:var(--text);width:100%;
  transition:border-color .12s ease,background .12s ease,transform .08s ease;
}
.choice:hover{border-color:var(--accent);background:var(--accent-wash)}
.choice:active{transform:translateY(1px)}
.choice:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.choice[aria-pressed="true"]{border-color:var(--accent);background:var(--accent-wash);box-shadow:inset 0 0 0 1px var(--accent)}
.choice .c-sub{display:block;font-weight:500;font-size:.86rem;color:var(--muted);margin-top:2px}
.choice-ttl{flex:1}

.wiz-nav{display:flex;gap:10px;margin-top:22px;align-items:center}
.wiz-back{background:none;border:0;color:var(--muted);font:inherit;font-weight:700;cursor:pointer;padding:10px 4px;font-size:.94rem}
.wiz-back:hover{color:var(--text);text-decoration:underline}
.wiz-nav .btn{margin-left:auto}

/* photo upload */
.drop{border:2px dashed var(--line);border-radius:12px;padding:26px 18px;text-align:center;cursor:pointer;transition:border-color .15s,background .15s;background:var(--bg-alt)}
.drop:hover,.drop.over{border-color:var(--accent);background:var(--accent-wash)}
.drop input{display:none}
.thumbs{display:grid;grid-template-columns:repeat(auto-fill,minmax(78px,1fr));gap:9px;margin-top:14px}
.thumb{position:relative;aspect-ratio:1;border-radius:9px;overflow:hidden;border:1px solid var(--line)}
.thumb img{width:100%;height:100%;object-fit:cover}
.thumb button{position:absolute;top:4px;right:4px;width:22px;height:22px;border-radius:50%;border:0;background:rgba(0,0,0,.66);color:#fff;cursor:pointer;font-size:14px;line-height:1;display:grid;place-items:center;padding:0}

/* payoff calculator */
.calc{background:var(--accent-wash);border-radius:12px;padding:18px;margin-top:4px}
.calc-out{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding-top:12px;margin-top:12px;border-top:1px solid rgba(0,0,0,.09);font-weight:800}
.calc-out .v{font-size:1.5rem;letter-spacing:-.02em}
.calc-neg{color:#b8102e}

/* result */
.wiz-result{text-align:center;padding:8px 0}
.res-badge{display:inline-block;background:var(--ok);color:#fff;font-weight:800;font-size:.76rem;letter-spacing:.09em;text-transform:uppercase;padding:7px 15px;border-radius:999px;margin-bottom:18px}
.res-range{font-size:clamp(2rem,7vw,2.9rem);font-weight:800;letter-spacing:-.03em;margin:0 0 6px;color:var(--text)}
.res-label{color:var(--muted);font-size:.95rem;margin-bottom:22px}
.res-next{background:var(--bg-alt);border-radius:12px;padding:20px;text-align:left;margin-top:22px}
.res-next ol{margin:10px 0 0;padding-left:20px;display:grid;gap:8px;color:var(--muted)}
.spin{width:34px;height:34px;border:3px solid var(--line);border-top-color:var(--accent);border-radius:50%;animation:spin .8s linear infinite;margin:26px auto}
@keyframes spin{to{transform:rotate(360deg)}}

.trust-note{display:flex;align-items:center;justify-content:center;gap:7px;color:var(--muted);font-size:.83rem;margin-top:16px;text-align:center}

/* sticky mobile call bar */
.callbar{display:none}

/* ---------- Responsive ---------- */
@media (max-width:1000px){
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero-deco{width:200px;height:200px;right:-20px;bottom:-10px;opacity:.7}
  .wiz{position:static}
  .g4{grid-template-columns:repeat(2,1fr)}
  .ftr-grid{grid-template-columns:1fr 1fr;gap:32px}
}
@media (max-width:760px){
  body{font-size:16px}
  .section{padding:52px 0}
  .hero{padding:40px 0 44px}
  .hero-deco{display:none}
  .hdr-nav{display:none}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .ftr-grid{grid-template-columns:1fr}
  .row2{grid-template-columns:1fr}
  .choices.c2{grid-template-columns:1fr}
  .wiz-body{padding:22px 18px}
  .wiz-head{padding:20px 18px 0}
  body.has-callbar{padding-bottom:70px}
  .callbar{
    display:flex;position:fixed;left:0;right:0;bottom:0;z-index:150;
    background:#fff;border-top:1px solid var(--line);padding:10px 14px;gap:10px;
    box-shadow:0 -4px 20px rgba(16,20,28,.10);
  }
  .callbar .btn{flex:1;padding:14px 10px;font-size:1rem}
}


.cmp-wrap{overflow-x:auto}
.cmp{width:100%;border-collapse:collapse;font-size:15px;min-width:480px}
.cmp thead td,.cmp th,.cmp td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left}
.cmp thead th{background:var(--accent);color:#fff;border-bottom:0}
.cmp thead td{background:var(--bg-alt)}
.cmp tbody tr:hover{background:var(--bg-alt)}
.cmp .yes{font-weight:700;color:#0b7a43}
.cmp .no{color:var(--muted)}