:root{
  --navy:#0B1F3A; --navy-2:#132C50; --navy-3:#1D3B66;
  --gold:#C9A54C; --gold-soft:#E9D9AE; --gold-deep:#A8862F;
  --ink:#1B2433; --muted:#5B6678; --line:#E3E6EC; --bg:#FAF8F3; --white:#fff;
  --ok:#2E7D5B; --warn:#B7791F; --bad:#A33A3A;
  --serif:"Cormorant Garamond","Playfair Display",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --radius:14px; --shadow:0 10px 30px rgba(11,31,58,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.4rem,6vw,4.2rem);letter-spacing:-.01em}
h2{font-size:clamp(1.9rem,4vw,2.7rem)}
h3{font-size:1.45rem}
p{margin:0 0 1em}
a{color:var(--navy-3)}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
.eyebrow{font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);font-weight:600;margin-bottom:.8em;display:block}
.lede{font-size:1.12rem;color:var(--muted);max-width:720px}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(11,31,58,.97);backdrop-filter:blur(6px);border-bottom:1px solid rgba(201,165,76,.25)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.brand{font-family:var(--serif);color:#fff;font-size:1.35rem;text-decoration:none;font-weight:600;white-space:nowrap}
.brand span{color:var(--gold)}
.nav ul{list-style:none;display:flex;gap:22px;margin:0;padding:0}
.nav ul a{color:#D8DEE8;text-decoration:none;font-size:.92rem}
.nav ul a:hover{color:var(--gold)}
.nav .cta-sm{background:var(--gold);color:var(--navy);padding:8px 16px;border-radius:999px;font-weight:600;text-decoration:none;font-size:.88rem;white-space:nowrap}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:8px;padding:6px 10px;font-size:1rem}
@media (max-width:860px){
  .nav ul{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;padding:14px 22px 20px;gap:14px}
  .nav ul.open{display:flex}
  .menu-btn{display:block}
  .nav .cta-sm{display:none}
}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(201,165,76,.22),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,var(--navy-3) 100%);color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero h1{color:#fff}
.hero .lede{color:#C9D2DF}
.hero .rule{width:64px;height:2px;background:var(--gold);margin:22px 0 26px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero svg.mark{position:absolute;right:-60px;bottom:-40px;width:520px;opacity:.12;pointer-events:none}
.btn{display:inline-block;border:0;cursor:pointer;font-family:var(--sans);font-weight:600;font-size:1rem;padding:14px 26px;border-radius:999px;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#D6B562;transform:translateY(-1px);box-shadow:0 8px 20px rgba(201,165,76,.35)}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3)}

/* sections */
section{padding:84px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.35em}
.card p{color:var(--muted);margin:0;font-size:.97rem}
.card .num{font-family:var(--serif);color:var(--gold-deep);font-size:1.1rem;font-weight:600;display:block;margin-bottom:6px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
.callout{border-left:3px solid var(--gold);padding:14px 20px;background:#FFFBF0;border-radius:0 10px 10px 0;color:var(--ink);font-size:.97rem}

/* tool */
.tool{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);overflow:hidden}
.tool-head{background:var(--navy);color:#fff;padding:22px 28px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.tool-head h3{color:#fff;margin:0}
.tool-head .tag{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.tool-body{display:grid;grid-template-columns:1fr 1fr;gap:0}
@media (max-width:900px){.tool-body{grid-template-columns:1fr}}
.tool-inputs{padding:28px;border-right:1px solid var(--line)}
@media (max-width:900px){.tool-inputs{border-right:0;border-bottom:1px solid var(--line)}}
.tool-out{padding:28px;background:#FBFAF6}
fieldset{border:0;padding:0;margin:0 0 22px}
legend{font-family:var(--serif);font-size:1.15rem;color:var(--navy);font-weight:600;margin-bottom:10px;padding:0}
.field{margin-bottom:14px}
.field label{display:block;font-size:.88rem;font-weight:600;color:var(--ink);margin-bottom:5px}
.field .hint{display:block;font-size:.8rem;color:var(--muted);font-weight:400;margin-top:4px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.row2{grid-template-columns:1fr}}
input[type=text],input[type=number],input[type=email],input[type=tel],select,textarea{width:100%;padding:11px 12px;border:1px solid #CFD5DE;border-radius:10px;font:inherit;font-size:.97rem;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid rgba(201,165,76,.55);border-color:var(--gold)}
.money{position:relative}
.money::before{content:"$";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.95rem}
.money input{padding-left:24px}
.pct{position:relative}
.pct::after{content:"%";position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;margin:6px 0 10px}
.check input{margin-top:4px;accent-color:var(--navy)}
.assume{font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);font-weight:700;margin-left:6px}

.big{font-family:var(--serif);font-size:2.6rem;color:var(--navy);font-weight:600;line-height:1}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.kpi .k{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.kpi .v{font-family:var(--serif);font-size:1.6rem;color:var(--navy);font-weight:600}
.kpi.hl{background:var(--navy);border-color:var(--navy)}
.kpi.hl .k{color:var(--gold-soft)}.kpi.hl .v{color:#fff}
.kpi.gap .v{color:var(--bad)}
.kpi.good .v{color:var(--ok)}
.math{font-size:.86rem;background:#fff;border:1px dashed #CDD3DC;border-radius:10px;padding:14px 16px;margin-top:14px}
.math table{width:100%;border-collapse:collapse}
.math td{padding:4px 0;vertical-align:top}
.math td:last-child{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap;padding-left:10px}
.math tr.sub td{border-top:1px solid var(--line);font-weight:700;padding-top:7px}
.math tr.minus td{color:var(--muted)}
.note{font-size:.82rem;color:var(--muted);margin-top:12px}

/* bars */
.stack{display:flex;height:26px;border-radius:999px;overflow:hidden;background:#EEF0F4;margin:12px 0 10px}
.stack span{display:block;height:100%;transition:width .4s}
.legend{display:flex;flex-wrap:wrap;gap:8px 16px;font-size:.84rem}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.items{list-style:none;padding:0;margin:14px 0 0}
.items li{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--line);font-size:.94rem}
.items li b{font-variant-numeric:tabular-nums}

/* checklist */
.ql{counter-reset:q;list-style:none;padding:0;margin:0}
.ql li{padding:16px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center}
@media (max-width:640px){.ql li{grid-template-columns:1fr}}
.ql .qt{font-size:.96rem}
.ql .qt small{display:block;color:var(--muted);font-size:.8rem;margin-top:3px}
.seg{display:inline-flex;border:1px solid #CFD5DE;border-radius:999px;overflow:hidden;background:#fff}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:block;padding:7px 13px;font-size:.84rem;color:var(--muted);border-right:1px solid #E3E6EC;user-select:none}
.seg label:last-child span{border-right:0}
.seg input:checked + span{background:var(--navy);color:#fff}
.seg input:focus-visible + span{outline:2px solid var(--gold)}
.scorebox{display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:center}
@media (max-width:560px){.scorebox{grid-template-columns:1fr}}
.dial{width:150px;height:150px}
.dial .val{font-family:var(--serif);font-size:44px;font-weight:600;fill:var(--navy)}
.dial .of{font-size:12px;fill:var(--muted)}
.band{font-family:var(--serif);font-size:1.5rem;font-weight:600;margin:0 0 4px}
.missed{margin:16px 0 0;padding:0;list-style:none}
.missed li{padding:8px 0;border-bottom:1px solid var(--line);font-size:.92rem;display:flex;justify-content:space-between;gap:12px}
.missed li .pts{color:var(--bad);font-weight:700;white-space:nowrap}
.missed li.unsure .pts{color:var(--warn)}
.pill{display:inline-block;padding:3px 10px;border-radius:999px;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.tier-mod{background:#E5F2EC;color:var(--ok)}.tier-ele{background:#FBF1DE;color:var(--warn)}.tier-high{background:#F7E3E3;color:var(--bad)}
.flags{list-style:none;padding:0;margin:14px 0 0}
.flags li{padding:12px 14px;border:1px solid var(--line);background:#fff;border-radius:10px;margin-bottom:10px;font-size:.92rem;border-left:3px solid var(--gold)}

/* form */
.review{background:linear-gradient(160deg,var(--navy),var(--navy-3));color:#fff}
.review h2{color:#fff}.review .lede{color:#C9D2DF}
.form-card{background:#fff;color:var(--ink);border-radius:18px;padding:30px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{border:1px solid #CFD5DE;border-radius:999px;padding:7px 13px;font-size:.86rem;cursor:pointer;display:flex;gap:7px;align-items:center}
.chips input{accent-color:var(--navy)}
.err{color:var(--bad);font-size:.82rem;margin-top:4px;display:none}
.field.invalid .err{display:block}
.field.invalid input,.field.invalid textarea{border-color:var(--bad)}
.thanks{display:none;text-align:center;padding:30px 10px}
.thanks .tick{width:64px;height:64px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-size:32px;margin:0 auto 16px}
.review-points{list-style:none;padding:0;margin:26px 0 0}
.review-points li{padding:10px 0 10px 30px;position:relative;color:#DCE3EC}
.review-points li::before{content:"";position:absolute;left:0;top:18px;width:16px;height:2px;background:var(--gold)}

footer{background:#081629;color:#9AA7BA;padding:40px 0;font-size:.85rem}
footer .brand{font-size:1.15rem}
footer p{margin:.6em 0 0;max-width:820px}
.inline-cta{margin-top:20px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}