:root {
  color-scheme: light;
  --ink: #17212b;
  --muted: #667482;
  --line: #dce4eb;
  --paper: #ffffff;
  --mist: #f4f8f8;
  --navy: #153a5b;
  --teal: #0d796f;
  --teal-dark: #075d55;
  --coral: #bd5944;
  --amber: #d59d35;
  --sky: #dceef6;
  --shadow: 0 18px 48px rgba(21, 58, 91, 0.13);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--mist);
  color: var(--ink);
  font-family:
    Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
  line-height: 1.5;
}

button,
input,
select,
textarea {
  font: inherit;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

h1,
h2,
h3,
p {
  margin: 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 16px clamp(18px, 4vw, 56px);
  border-bottom: 1px solid rgba(220, 228, 235, 0.9);
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(14px);
}

.brand,
.site-nav,
.header-contact,
.trust-row,
.hero-actions {
  display: flex;
  align-items: center;
}

.brand {
  gap: 12px;
  min-width: 210px;
}

.brand-mark {
  display: grid;
  width: 44px;
  height: 44px;
  place-items: center;
  border-radius: 8px;
  background: var(--navy);
  color: #fff;
  font-weight: 900;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 700;
}

.site-nav {
  justify-content: center;
  gap: clamp(12px, 2vw, 26px);
  color: var(--muted);
  font-size: 0.92rem;
  font-weight: 800;
}

.site-nav a:hover {
  color: var(--navy);
}

.header-contact {
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 6px 14px;
  color: var(--muted);
  font-size: 0.84rem;
  font-weight: 850;
}

.header-contact a {
  overflow-wrap: anywhere;
}

.header-contact a:hover {
  color: var(--teal-dark);
}

.header-rate-button {
  min-height: 38px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--navy);
  padding: 8px 12px;
  cursor: pointer;
  font-weight: 900;
}

.header-rate-button:hover {
  border-color: rgba(13, 121, 111, 0.45);
  color: var(--teal-dark);
}

.header-action,
.primary-button,
.secondary-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  border-radius: 8px;
  border: 1px solid transparent;
  padding: 10px 16px;
  font-weight: 900;
  cursor: pointer;
}

.header-action,
.primary-button {
  background: var(--teal);
  color: #fff;
}

.header-action:hover,
.primary-button:hover {
  background: var(--teal-dark);
}

.secondary-button {
  border-color: var(--line);
  background: #fff;
  color: var(--navy);
}

.hero-section {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 0.82fr);
  gap: clamp(28px, 5vw, 72px);
  min-height: 0;
  padding: clamp(28px, 4vw, 48px) clamp(18px, 5vw, 72px) clamp(24px, 3vw, 34px);
  background:
    linear-gradient(115deg, rgba(220, 238, 246, 0.96), rgba(255, 255, 255, 0.92) 52%, rgba(242, 247, 243, 0.9)),
    radial-gradient(circle at 85% 16%, rgba(213, 157, 53, 0.22), transparent 25%);
  overflow: hidden;
}

.hero-copy {
  align-self: start;
  max-width: 780px;
}

.eyebrow {
  color: var(--coral);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1 {
  max-width: 760px;
  margin-top: 12px;
  font-size: 5.4rem;
  line-height: 0.97;
}

.hero-text {
  max-width: 670px;
  margin-top: 22px;
  color: #3d4c59;
  font-size: 1.18rem;
}

.hero-actions {
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.trust-row {
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 800;
}

.trust-row span {
  padding: 8px 10px;
  border: 1px solid rgba(21, 58, 91, 0.14);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.72);
}

.hero-visual {
  position: relative;
  align-self: start;
  min-height: 430px;
}

.visual-panel {
  position: absolute;
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.88);
  box-shadow: var(--shadow);
}

.visual-panel span {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
}

.visual-panel strong {
  display: block;
  color: var(--navy);
}

.visual-panel-main {
  inset: 0 0 auto auto;
  width: min(100%, 440px);
  min-height: 260px;
  padding: 30px;
}

.visual-panel-main strong {
  margin-top: 8px;
  font-size: 4.2rem;
  line-height: 1;
}

.payment-bars {
  display: grid;
  gap: 12px;
  margin-top: 32px;
}

.payment-bars i {
  display: block;
  height: 34px;
  border-radius: 8px;
  background: linear-gradient(90deg, var(--teal), #66b3a9);
}

.payment-bars i:nth-child(2) {
  width: 78%;
  background: linear-gradient(90deg, var(--amber), #ebc26b);
}

.payment-bars i:nth-child(3) {
  width: 56%;
  background: linear-gradient(90deg, var(--coral), #df8a78);
}

.visual-panel-rate {
  right: 256px;
  bottom: 48px;
  width: 230px;
  padding: 22px;
}

.visual-panel-rate strong {
  margin-top: 6px;
  font-size: 1.7rem;
}

.visual-panel-rate ul {
  display: grid;
  gap: 8px;
  margin: 18px 0 0;
  padding: 0;
  list-style: none;
}

.visual-panel-rate li {
  color: #405260;
  font-weight: 800;
}

.visual-panel-rate li::before {
  content: "";
  display: inline-block;
  width: 8px;
  height: 8px;
  margin-right: 9px;
  border-radius: 50%;
  background: var(--teal);
}

.visual-panel-home {
  right: 8px;
  bottom: 0;
  width: 250px;
  min-height: 190px;
  padding: 24px;
  background: #153a5b;
  color: #fff;
}

.visual-panel-home strong {
  margin-top: 14px;
  color: #fff;
  font-size: 1.55rem;
  line-height: 1.1;
}

.home-icon {
  position: relative;
  width: 104px;
  height: 72px;
  margin-top: 10px;
}

.home-icon,
.home-icon::before,
.home-icon::after {
  display: block;
}

.home-icon::before {
  content: "";
  position: absolute;
  inset: 26px 16px 0;
  border-radius: 6px 6px 2px 2px;
  background: #fff;
}

.home-icon::after {
  content: "";
  position: absolute;
  left: 15px;
  top: 8px;
  width: 72px;
  height: 72px;
  transform: rotate(45deg);
  border-radius: 5px;
  background: #d59d35;
}

.seo-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.68fr);
  gap: clamp(28px, 5vw, 64px);
  padding: clamp(26px, 4vw, 48px) clamp(18px, 5vw, 72px) clamp(24px, 3vw, 34px);
  background:
    linear-gradient(115deg, rgba(220, 238, 246, 0.96), rgba(255, 255, 255, 0.92) 54%, rgba(242, 247, 243, 0.9)),
    radial-gradient(circle at 85% 16%, rgba(213, 157, 53, 0.22), transparent 25%);
}

.seo-hero h1 {
  max-width: 900px;
}

.seo-hero-media {
  align-self: start;
  margin: 0;
}

.seo-hero-media img {
  border: 1px solid rgba(220, 228, 235, 0.9);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  margin-bottom: 22px;
  color: var(--muted);
  font-size: 0.84rem;
  font-weight: 850;
}

.breadcrumbs a:hover {
  color: var(--teal-dark);
}

.seo-main {
  background: var(--mist);
}

.seo-section,
.related-section {
  padding: clamp(42px, 6vw, 72px) clamp(18px, 5vw, 72px);
}

.seo-section {
  display: grid;
  gap: 16px;
  max-width: 1120px;
}

.seo-section:nth-of-type(even) {
  background: #fff;
  max-width: none;
}

.seo-section h2,
.related-section h2 {
  max-width: 820px;
  color: var(--navy);
  font-size: 2rem;
  line-height: 1.08;
}

.seo-section p {
  max-width: 920px;
  color: #3d4c59;
  font-size: 1.02rem;
}

.seo-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  padding: 18px clamp(18px, 5vw, 72px) clamp(42px, 5vw, 64px);
}

.seo-hero .seo-cta-row {
  padding: 24px 0 0;
}

.related-section {
  background: #fff;
}

.related-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 18px;
}

.related-grid > div {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 20px;
  background: #f8fbfb;
}

.related-grid h3 {
  color: var(--navy);
}

.related-grid ul {
  display: grid;
  gap: 9px;
  margin: 14px 0 0;
  padding-left: 18px;
}

.related-grid a {
  color: var(--teal-dark);
  font-weight: 850;
}

.related-grid a:hover {
  color: var(--navy);
}

.seo-home-section {
  padding-top: clamp(42px, 6vw, 72px);
  background: var(--mist);
}

.seo-home-section > .section-intro {
  padding-inline: clamp(18px, 5vw, 72px);
}

.seo-home-section .seo-section {
  padding-top: 18px;
  padding-bottom: 18px;
}

.seo-home-section .seo-section:nth-of-type(even) {
  background: transparent;
  max-width: 1120px;
}

.notice-band,
.tool-section,
.content-section,
.checklist-section,
.faq-section,
.site-footer {
  padding-inline: clamp(18px, 5vw, 72px);
}

.notice-band {
  display: flex;
  gap: 12px;
  padding-block: 18px;
  background: #fff7e6;
  color: #5e4522;
  border-block: 1px solid #eed9ae;
}

.tool-section,
.content-section,
.checklist-section,
.faq-section {
  padding-block: clamp(56px, 7vw, 88px);
}

.section-intro {
  max-width: 760px;
  margin-bottom: 28px;
}

.section-intro h2 {
  margin-top: 8px;
  font-size: 2.7rem;
  line-height: 1.05;
}

.section-intro p:not(.eyebrow) {
  margin-top: 12px;
  color: var(--muted);
  font-size: 1.02rem;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 380px;
  gap: 22px;
  align-items: start;
}

.calculator-form,
.payment-summary {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--paper);
  box-shadow: var(--shadow);
}

.calculator-form {
  display: grid;
  grid-template-columns: repeat(3, minmax(180px, 1fr));
  gap: 18px;
  padding: 24px;
}

label {
  display: grid;
  gap: 8px;
  color: #4d5e6d;
  font-size: 0.86rem;
  font-weight: 900;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #fff;
  color: var(--ink);
  min-height: 44px;
  padding: 10px 12px;
}

textarea {
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  outline: 3px solid rgba(13, 121, 111, 0.18);
  border-color: var(--teal);
}

.payment-summary {
  padding: 24px;
}

.payment-summary > span {
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
}

.payment-summary > strong {
  display: block;
  margin-top: 8px;
  color: var(--navy);
  font-size: 3rem;
  line-height: 1;
}

.payment-summary dl {
  display: grid;
  gap: 12px;
  margin: 24px 0;
}

.payment-summary dl div {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}

.payment-summary dt {
  color: var(--muted);
}

.payment-summary dd {
  margin: 0;
  color: var(--ink);
  font-weight: 900;
}

.payment-summary p {
  color: var(--muted);
  font-size: 0.9rem;
}

.option-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.option-grid article {
  min-height: 188px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 22px;
  background: #fff;
}

.option-grid h3 {
  color: var(--navy);
  font-size: 1.28rem;
}

.option-grid p,
.timeline-list p,
.faq-list p,
.site-footer p {
  margin-top: 8px;
  color: var(--muted);
}

.checklist-section {
  background: #fff;
}

.checklist-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(180px, 1fr));
  gap: 12px;
}

.checklist-grid label {
  display: flex;
  align-items: center;
  min-height: 58px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfb;
  color: var(--ink);
}

.checklist-grid input {
  width: 18px;
  min-height: 18px;
  accent-color: var(--teal);
}

.timeline-list {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.timeline-list li {
  border-top: 4px solid var(--teal);
  padding: 18px 4px 0 0;
}

.timeline-list span {
  display: block;
  color: var(--coral);
  font-weight: 900;
}

.timeline-list h3 {
  margin-top: 10px;
  color: var(--navy);
}

.faq-section {
  background: #fff;
}

.faq-list {
  display: grid;
  gap: 10px;
  max-width: 980px;
}

details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

summary {
  cursor: pointer;
  padding: 18px 20px;
  color: var(--navy);
  font-weight: 900;
}

details p {
  padding: 0 20px 18px;
}

body.modal-open {
  overflow: hidden;
}

.rate-modal[hidden] {
  display: none;
}

.rate-modal {
  position: fixed;
  inset: 0;
  z-index: 30;
  display: grid;
  place-items: center;
  padding: 24px;
}

.rate-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(14, 39, 62, 0.68);
}

.rate-modal-panel {
  position: relative;
  z-index: 1;
  width: min(920px, 100%);
  max-height: min(92vh, 920px);
  overflow: auto;
  border: 1px solid rgba(255, 255, 255, 0.42);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 28px 80px rgba(14, 39, 62, 0.28);
}

.rate-modal-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 18px;
  padding: 24px 24px 0;
}

.rate-modal-header h2 {
  max-width: 620px;
  margin-top: 8px;
  color: var(--navy);
  font-size: 2rem;
  line-height: 1.06;
}

.modal-close-button {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--navy);
  cursor: pointer;
  font-size: 1.5rem;
  font-weight: 900;
  line-height: 1;
}

.modal-close-button:hover {
  border-color: rgba(13, 121, 111, 0.45);
  color: var(--teal-dark);
}

.rate-lead-form {
  display: grid;
  gap: 18px;
  padding: 22px 24px 24px;
}

.lead-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 15px;
}

.lead-form-grid label span {
  color: var(--muted);
  font-weight: 750;
}

.full-field {
  grid-column: 1 / -1;
}

.term-fieldset {
  display: grid;
  grid-template-columns: repeat(4, minmax(110px, 1fr));
  gap: 10px;
  margin: 0;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.term-fieldset[hidden] {
  display: none;
}

.term-fieldset legend {
  padding: 0 6px;
  color: #4d5e6d;
  font-size: 0.86rem;
  font-weight: 900;
}

.term-fieldset label {
  display: flex;
  align-items: center;
  min-height: 44px;
  gap: 8px;
  padding: 9px 10px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: #f8fbfb;
  color: var(--ink);
}

.term-fieldset input {
  width: 17px;
  min-height: 17px;
  accent-color: var(--teal);
}

.modal-disclosure {
  color: var(--muted);
  font-size: 0.9rem;
}

.modal-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.modal-actions .primary-button,
.modal-actions .secondary-button {
  width: auto;
}

.form-status {
  min-height: 24px;
  color: var(--teal-dark);
  font-weight: 850;
}

.form-status.error {
  color: #9f3527;
}

.site-footer {
  display: grid;
  grid-template-columns: minmax(260px, 1.2fr) minmax(220px, 0.8fr) minmax(220px, 0.8fr);
  gap: 24px;
  padding-block: 34px;
  background: #0e273e;
  color: #fff;
}

.site-footer p,
.site-footer a {
  color: #c4d0da;
  font-size: 0.9rem;
}

.footer-brand,
.footer-contact,
.footer-eho {
  display: grid;
  align-content: start;
  gap: 8px;
}

.footer-contact a {
  width: fit-content;
  overflow-wrap: anywhere;
}

.footer-contact a:hover {
  color: #f3c465;
}

.footer-eho {
  grid-template-columns: 42px minmax(0, 1fr);
  align-items: center;
}

.footer-eho svg {
  width: 42px;
  height: 42px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 4;
}

.footer-disclaimer {
  grid-column: 1 / -1;
  max-width: 980px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}

@media (max-width: 1320px) {
  .site-header {
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .site-nav {
    order: 3;
    width: auto;
    justify-content: flex-start;
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .header-contact {
    order: 4;
    width: auto;
    justify-content: flex-start;
  }

  .header-rate-button {
    order: 5;
  }

  .hero-section,
  .seo-hero,
  .calculator-layout,
  .site-footer {
    grid-template-columns: 1fr;
  }

  .hero-section {
    min-height: 0;
  }

  h1 {
    font-size: 3.65rem;
  }

  .visual-panel-main strong {
    font-size: 3.6rem;
  }

  .section-intro h2 {
    font-size: 2.45rem;
  }

  .hero-visual {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
    min-height: 0;
  }

  .visual-panel,
  .visual-panel-main {
    position: relative;
    inset: auto;
    width: auto;
    margin: 0;
  }

  .visual-panel-main {
    grid-column: 1 / -1;
    min-height: 260px;
  }

  .visual-panel-rate,
  .visual-panel-home {
    position: relative;
    inset: auto;
    width: auto;
    min-height: 190px;
  }

  .calculator-form,
  .option-grid,
  .related-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .checklist-grid {
    grid-template-columns: repeat(2, minmax(180px, 1fr));
  }

  .timeline-list {
    grid-template-columns: 1fr;
  }

  .timeline-list li {
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 12px;
    border-top: 0;
    border-left: 4px solid var(--teal);
    padding: 0 0 0 16px;
  }

  .timeline-list h3 {
    margin-top: 0;
  }
}

@media (max-width: 680px) {
  .site-header {
    position: static;
  }

  .header-contact {
    display: grid;
    gap: 6px;
  }

  h1 {
    font-size: 2.65rem;
  }

  .hero-text {
    font-size: 1.04rem;
  }

  .section-intro h2 {
    font-size: 2.1rem;
  }

  .hero-actions a,
  .primary-button,
  .secondary-button {
    width: 100%;
  }

  .hero-visual {
    grid-template-columns: 1fr;
  }

  .visual-panel-main,
  .visual-panel-rate,
  .visual-panel-home {
    width: 100%;
  }

  .calculator-form,
  .option-grid,
  .checklist-grid,
  .related-grid {
    grid-template-columns: 1fr;
  }

  .seo-section h2,
  .related-section h2 {
    font-size: 1.7rem;
  }

  .payment-summary > strong {
    font-size: 2.5rem;
  }

  .notice-band {
    display: block;
  }

  .rate-modal {
    align-items: stretch;
    padding: 12px;
  }

  .rate-modal-header {
    padding: 18px 18px 0;
  }

  .rate-modal-header h2 {
    font-size: 1.55rem;
  }

  .rate-lead-form {
    padding: 18px;
  }

  .lead-form-grid,
  .term-fieldset {
    grid-template-columns: 1fr;
  }

  .modal-actions .primary-button,
  .modal-actions .secondary-button {
    width: 100%;
  }
}

@media (max-width: 520px) {
  .header-rate-button,
  .header-action {
    width: 100%;
  }
}

@media (min-width: 681px) and (max-width: 1320px) {
  .header-action {
    order: 2;
    margin-left: auto;
  }

  .site-nav {
    width: auto;
  }
}