*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }
  body { font-family: var(--font-body); color: var(--text); background: var(--white); line-height: 1.65; font-size: 16px; }

  .btn {
    display: inline-block;
    font-family: var(--font-head);
    font-weight: 700;
    font-size: 14px;
    letter-spacing: 0.4px;
    padding: 11px 26px;
    border-radius: 4px;
    text-decoration: none;
    transition: all 0.2s;
    cursor: pointer;
    border: none;
  }
  .btn-accent { background: var(--accent); color: var(--white); }
  .btn-accent:hover { background: var(--accent-hover); transform: translateY(-1px); box-shadow: 0 4px 14px rgba(46,196,168,0.35); }
  .btn-outline-white { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.6); }
  .btn-outline-white:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }

  .breadcrumb-strip {
    background: var(--navy-deep);
    padding: 16px 40px;
    border-bottom: 1px solid rgba(255,255,255,0.06);
  }
  .breadcrumb {
    font-family: var(--font-head);
    font-size: 10.5px; font-weight: 600;
    letter-spacing: 1.3px; text-transform: uppercase;
    color: rgba(255,255,255,0.55);
  }
  .breadcrumb a { color: rgba(255,255,255,0.7); text-decoration: none; }
  .breadcrumb a:hover { color: var(--white); }
  .breadcrumb .sep { margin: 0 12px; opacity: 0.4; color: rgba(255,255,255,0.5); }
  .breadcrumb .current { color: var(--accent); }

  /* ── HERO + FORM (above the fold) ── */
  .hero {
    background: linear-gradient(135deg, #0e2240 0%, #1c3a5f 60%, #254d7a 100%);
    color: var(--white);
    padding: 70px 40px 100px;
    position: relative;
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
      radial-gradient(circle at 12% 30%, rgba(46,196,168,0.16) 0%, transparent 35%),
      radial-gradient(circle at 88% 75%, rgba(75,168,232,0.1) 0%, transparent 40%);
    pointer-events: none;
  }
  .hero-inner {
    position: relative;
    max-width: 1280px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 64px;
    align-items: start;
  }
  .hero-copy { padding-top: 18px; }
  .hero-eyebrow {
    display: inline-block;
    font-family: var(--font-head);
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--accent);
    background: var(--accent-soft);
    padding: 7px 18px;
    border-radius: 20px;
    margin-bottom: 24px;
  }
  .hero h1 {
    font-family: var(--font-head);
    font-size: clamp(38px, 5.2vw, 60px);
    font-weight: 800;
    line-height: 1.04;
    letter-spacing: -0.5px;
    margin-bottom: 24px;
    text-wrap: balance;
  }
  .hero h1 em { color: var(--accent); font-style: normal; }
  .hero-body {
    font-size: 18px;
    color: rgba(255,255,255,0.85);
    line-height: 1.75;
    max-width: 480px;
  }
  .hero-body strong { color: var(--white); font-weight: 600; }
  .hero-points {
    margin-top: 32px;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.12);
    display: flex;
    flex-direction: column;
    gap: 18px;
  }
  .hero-point {
    display: grid;
    grid-template-columns: 28px 1fr;
    gap: 14px;
    align-items: center;
  }
  .hero-point .dot {
    width: 28px; height: 28px;
    border-radius: 50%;
    background: var(--accent-soft);
    color: var(--accent);
    display: flex; align-items: center; justify-content: center;
  }
  .hero-point .dot svg { width: 14px; height: 14px; stroke: currentColor; fill: none; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
  .hero-point .txt {
    font-family: var(--font-head);
    font-size: 14.5px;
    font-weight: 600;
    color: rgba(255,255,255,0.88);
    letter-spacing: 0.2px;
  }

  /* ── FORM CARD ── */
  .form-card {
    background: var(--white);
    border-radius: 18px;
    padding: 36px 36px 32px;
    box-shadow: 0 24px 60px rgba(0,0,0,0.35);
    position: relative;
    overflow: hidden;
  }
  .form-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 60%;
    height: 5px;
    background: linear-gradient(90deg, var(--accent), var(--navy-light));
    border-radius: 18px 0 0 0;
  }
  .form-card-head {
    padding-bottom: 22px;
    margin-bottom: 24px;
    border-bottom: 1px solid var(--gray-light);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    flex-wrap: wrap;
  }
  .form-card-head-left .section-label {
    font-family: var(--font-head);
    font-size: 10.5px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 6px;
  }
  .form-card-head-left h3 {
    font-family: var(--font-head);
    font-size: 24px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.5px;
    line-height: 1.2;
  }
  .form-card-head-right {
    display: flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-head);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.4px;
    color: var(--accent-hover);
  }
  .form-card-head-right .pulse {
    width: 8px; height: 8px;
    background: var(--accent);
    border-radius: 50%;
    box-shadow: 0 0 0 0 rgba(46,196,168,0.6);
    animation: pulse 1.6s infinite;
  }
  @keyframes pulse {
    0% { box-shadow: 0 0 0 0 rgba(46,196,168,0.6); }
    70% { box-shadow: 0 0 0 10px rgba(46,196,168,0); }
    100% { box-shadow: 0 0 0 0 rgba(46,196,168,0); }
  }

  .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
  }
  .form-row.single { grid-template-columns: 1fr; }
  .form-field { display: flex; flex-direction: column; }
  .form-field label {
    font-family: var(--font-head);
    font-size: 11px;
    font-weight: 700;
    color: var(--text-muted);
    letter-spacing: 0.5px;
    margin-bottom: 8px;
    text-transform: uppercase;
  }
  .form-field label .req { color: var(--accent); margin-left: 2px; }
  .form-field input[type="text"],
  .form-field input[type="email"],
  .form-field input[type="tel"],
  .form-field select,
  .form-field textarea {
    background: var(--white);
    border: 1px solid var(--gray-light);
    border-radius: 8px;
    padding: 12px 14px;
    font-family: var(--font-body);
    font-size: 14.5px;
    color: var(--text);
    outline: none;
    transition: border-color 0.2s, box-shadow 0.2s;
    width: 100%;
  }
  .form-field input:focus,
  .form-field select:focus,
  .form-field textarea:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(46,196,168,0.12);
  }
  .form-field textarea { resize: vertical; min-height: 96px; line-height: 1.6; }
  .form-field select {
    appearance: none;
    -webkit-appearance: none;
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8' fill='none' stroke='%234a6278' stroke-width='1.5'><path d='M1 1l5 5 5-5'/></svg>");
    background-repeat: no-repeat;
    background-position: right 14px center;
    background-size: 12px 8px;
    padding-right: 38px;
    cursor: pointer;
  }
  .form-submit {
    margin-top: 24px;
    padding-top: 22px;
    border-top: 1px solid var(--gray-light);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    flex-wrap: wrap;
  }
  .form-submit .legal {
    font-size: 12px;
    color: var(--text-muted);
    line-height: 1.5;
    max-width: 280px;
  }
  .form-submit .btn { font-size: 14px; padding: 14px 30px; }

  /* ── WHAT TO EXPECT (3 steps) ── */
  .expect {
    background: var(--white);
    padding: 100px 40px;
  }
  .expect-inner {
    max-width: 1100px;
    margin: 0 auto;
  }
  .expect-head {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 60px;
  }
  .section-label {
    font-family: var(--font-head);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2.8px;
    text-transform: uppercase;
    color: var(--accent);
    margin-bottom: 14px;
  }
  h2 {
    font-family: var(--font-head);
    font-size: clamp(28px, 3.5vw, 40px);
    font-weight: 800;
    line-height: 1.18;
    letter-spacing: -0.7px;
    color: var(--navy);
    text-wrap: balance;
  }

  .expect-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    position: relative;
    max-width: 900px;
    margin: 0 auto;
  }
  .expect-grid::before {
    content: '';
    position: absolute;
    top: 36px;
    left: calc(16.66% + 14px);
    right: calc(16.66% + 14px);
    height: 2px;
    background: linear-gradient(90deg, var(--accent) 0%, var(--navy-light) 100%);
    opacity: 0.35;
    pointer-events: none;
  }
  .expect-step {
    text-align: center;
    padding: 0 14px;
    position: relative;
  }
  .expect-num {
    width: 72px; height: 72px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--accent);
    box-shadow: 0 0 0 5px var(--off-white), 0 6px 20px rgba(28,58,95,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-head);
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.5px;
    margin: 0 auto 28px;
    position: relative;
    z-index: 2;
  }
  .expect-step h3 {
    font-family: var(--font-head);
    font-size: 20px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.3px;
    line-height: 1.3;
    margin-bottom: 12px;
    text-wrap: balance;
  }
  .expect-step p {
    font-size: 15px;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 260px;
    margin: 0 auto;
    text-wrap: pretty;
  }
  .expect-step p strong { color: var(--navy); }

  /* ── TRUST STRIP ── */
  .trust {
    background: var(--off-white);
    padding: 60px 40px;
    border-top: 1px solid var(--gray-light);
    border-bottom: 1px solid var(--gray-light);
  }
  .trust-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    text-align: center;
  }
  .trust-item {
    padding: 0 16px;
    border-right: 1px solid var(--gray-light);
  }
  .trust-item:last-child { border-right: none; }
  .trust-num {
    font-family: var(--font-head);
    font-size: clamp(28px, 3vw, 36px);
    font-weight: 800;
    color: var(--navy);
    line-height: 1;
    letter-spacing: -1px;
    margin-bottom: 8px;
    display: flex;
    align-items: baseline;
    justify-content: center;
    gap: 8px;
  }
  .trust-num span { color: var(--accent); }
  .trust-label {
    font-family: var(--font-head);
    font-size: 11.5px;
    font-weight: 700;
    color: var(--text-muted);
    letter-spacing: 1.2px;
    text-transform: uppercase;
    line-height: 1.4;
  }

  /* ── FOOTER ── */

  @media (max-width: 1080px) {
    .hero-inner { grid-template-columns: 1fr; gap: 48px; }
    .hero-copy { padding-top: 0; }
    .hero-body { max-width: none; }
  }
  @media (max-width: 760px) {
    .form-row { grid-template-columns: 1fr; gap: 14px; }
    .form-card { padding: 28px 22px; }
    .expect-grid { grid-template-columns: 1fr; gap: 40px; }
    .expect-grid::before { display: none; }
    .trust-inner { grid-template-columns: 1fr 1fr; gap: 28px; }
    .trust-item { border-right: none; }
    .trust-item:nth-child(odd) { border-right: 1px solid var(--gray-light); }
  }

  /* TWEAKS */
  #tweaks-panel { display: none; position: fixed; bottom: 24px; right: 24px; background: white; border-radius: 12px; padding: 20px; box-shadow: 0 8px 40px rgba(0,0,0,0.18); z-index: 9999; width: 260px; font-family: var(--font-body); border: 1px solid #e0e8f0; }
  #tweaks-panel h4 { font-family: var(--font-head); font-size: 13px; font-weight: 700; color: var(--navy); margin-bottom: 16px; letter-spacing: 0.5px; }
  .tweak-row { margin-bottom: 14px; }
  .tweak-row label { display: block; font-size: 11px; font-weight: 600; color: #6b7f90; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 6px; }
  .tweak-row input[type=color] { width: 100%; height: 32px; border: 1px solid #dde5ee; border-radius: 6px; cursor: pointer; padding: 2px; }

/* ===== LEGAL PAGES (privacy / terms) ===== */
.legal-hero{background:linear-gradient(160deg,#0e2240,#1c3a5f);padding:140px 40px 56px;color:#fff;}
.legal-hero-inner{max-width:880px;margin:0 auto;}
.legal-eyebrow{font-family:var(--font-head,'Montserrat',sans-serif);font-size:12px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:#2ec4a8;margin-bottom:14px;}
.legal-hero h1{font-family:var(--font-head,'Montserrat',sans-serif);font-size:44px;line-height:1.12;font-weight:800;margin:0 0 14px;}
.legal-updated{font-size:14px;color:rgba(255,255,255,.6);margin:0;}
.legal-content{background:#fff;padding:64px 40px 84px;}
.legal-content-inner{max-width:780px;margin:0 auto;color:#2a3b4d;font-size:16px;line-height:1.75;}
.legal-content-inner .lead{font-size:18px;line-height:1.7;color:#1c3a5f;margin:0 0 34px;}
.legal-content-inner h2{font-family:var(--font-head,'Montserrat',sans-serif);font-size:21px;font-weight:700;color:#1c3a5f;margin:42px 0 14px;}
.legal-content-inner p{margin:0 0 18px;}
.legal-content-inner ul{margin:0 0 18px;padding-left:22px;}
.legal-content-inner li{margin-bottom:9px;}
.legal-content-inner a{color:#0f7d68;text-decoration:underline;text-underline-offset:2px;font-weight:600;}
.legal-content-inner a:hover{color:#0e2240;}
.legal-content-inner strong{color:#1c3a5f;}
@media(max-width:768px){.legal-hero{padding:120px 22px 44px;}.legal-hero h1{font-size:31px;}.legal-content{padding:44px 22px 56px;}}