:root {
  --navy-950: #071b2b;
  --navy-900: #0b2740;
  --navy-800: #123a59;
  --teal-700: #126b68;
  --teal-600: #16817d;
  --teal-100: #dff3ef;
  --gold-500: #c9984b;
  --ink: #14212b;
  --muted: #5d6a73;
  --line: #dce4e6;
  --paper: #ffffff;
  --sand: #f5f2eb;
  --mist: #f2f7f6;
  --danger: #a23131;
  --radius-sm: 12px;
  --radius: 20px;
  --radius-lg: 30px;
  --shadow: 0 24px 70px rgba(7, 27, 43, .14);
  --shell: min(1180px, calc(100% - 40px));
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
a { color: inherit; }
img { max-width: 100%; }
.shell { width: var(--shell); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }
.skip-link { position: fixed; top: 12px; left: 12px; z-index: 999; padding: 10px 14px; color: white; background: var(--navy-950); border-radius: 8px; transform: translateY(-160%); }
.skip-link:focus { transform: translateY(0); }
:focus-visible { outline: 3px solid rgba(22,129,125,.35); outline-offset: 3px; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.9); border-bottom: 1px solid rgba(220,228,230,.75); backdrop-filter: blur(18px); }
.header-inner { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy-900); }
.brand-lockup { display: inline-flex; align-items: center; gap: 7px; line-height: 1; }
.brand-symbol { width: 54px; height: 54px; display: block; object-fit: contain; }
.brand-word { color: var(--teal-600); font-size: 30px; font-weight: 800; letter-spacing: -.055em; }
.brand-symbol-frame { display: inline-flex; background: #fff; border-radius: 8px; }
.brand-logo { display: block; width: 158px; height: auto; }
.brand-mark { width: 43px; height: 43px; display: grid; place-items: center; color: white; background: var(--navy-900); border-radius: 13px 4px 13px 4px; font-weight: 750; letter-spacing: -.04em; }
.brand > span:last-child { display: flex; flex-direction: column; line-height: 1.05; }
.brand strong { font-size: 22px; letter-spacing: -.05em; }
.brand small { margin-top: 5px; color: var(--muted); font-size: 10px; font-weight: 650; letter-spacing: .08em; text-transform: uppercase; }
.brand > span.brand-lockup:last-child { display: inline-flex; flex-direction: row; align-items: center; line-height: 1; }
nav { display: flex; align-items: center; gap: 30px; }
nav a { color: #334651; font-size: 14px; font-weight: 600; text-decoration: none; }
nav a:hover { color: var(--teal-700); }

.button { min-height: 52px; display: inline-flex; align-items: center; justify-content: center; gap: 12px; padding: 0 22px; border: 1px solid transparent; border-radius: 12px; cursor: pointer; font-weight: 700; text-decoration: none; transition: transform .2s ease, background .2s ease, box-shadow .2s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { color: white; background: var(--teal-700); box-shadow: 0 10px 24px rgba(18,107,104,.22); }
.button-primary:hover { background: #0e5e5b; box-shadow: 0 14px 30px rgba(18,107,104,.28); }
.button-secondary { color: var(--navy-900); background: white; border-color: var(--line); }
.button-dark { color: white; background: var(--navy-900); }
.button-small { min-height: 42px; padding-inline: 17px; font-size: 14px; border-radius: 10px; }
.button-full { width: 100%; }
.button[disabled] { opacity: .55; cursor: wait; transform: none; }
.text-link { color: var(--navy-900); font-weight: 700; text-underline-offset: 5px; }

.hero { position: relative; overflow: hidden; padding: 100px 0 112px; background: radial-gradient(circle at 84% 18%, rgba(22,129,125,.13), transparent 25%), linear-gradient(145deg, #fbfcfb 0%, #f5f2eb 100%); }
.hero::after { content: ""; position: absolute; left: -8%; bottom: -190px; width: 420px; height: 420px; border: 1px solid rgba(18,107,104,.13); border-radius: 50%; box-shadow: 0 0 0 54px rgba(18,107,104,.025), 0 0 0 108px rgba(18,107,104,.02); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: clamp(55px, 8vw, 105px); }
.eyebrow { display: flex; align-items: center; gap: 10px; margin: 0 0 20px; color: var(--teal-700); font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.eyebrow span { width: 28px; height: 2px; background: currentColor; }
.eyebrow-light { color: #88d5cc; }
h1, h2, h3, h4 { margin-top: 0; color: var(--navy-950); font-family: Georgia, "Times New Roman", serif; line-height: 1.08; font-weight: 500; letter-spacing: -.035em; }
h1 { max-width: 720px; margin-bottom: 26px; font-size: clamp(44px, 5.2vw, 72px); }
h2 { margin-bottom: 22px; font-size: clamp(35px, 4vw, 53px); }
h3 { font-size: 30px; }
h4 { font-size: 24px; }
.hero-lead { max-width: 650px; margin: 0 0 34px; color: #4f5f68; font-size: 19px; line-height: 1.7; }
.hero-actions { display: flex; align-items: center; gap: 26px; }
.trust-list { display: flex; flex-wrap: wrap; gap: 12px 24px; margin: 30px 0 0; padding: 0; list-style: none; color: #53626b; font-size: 13px; font-weight: 650; }
.trust-list span { color: var(--teal-700); }
.hero-visual { position: relative; padding: 35px 18px; }
.preview-window { position: relative; z-index: 2; padding: 31px; color: white; background: linear-gradient(155deg, var(--navy-900), var(--navy-950)); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.preview-topline { display: flex; justify-content: space-between; gap: 15px; padding-right: 110px; color: rgba(255,255,255,.66); font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.status-dot { display: flex; align-items: center; gap: 6px; color: #9be0d8; }
.status-dot::before { content: ""; width: 6px; height: 6px; background: #65cbbb; border-radius: 50%; box-shadow: 0 0 0 4px rgba(101,203,187,.12); }
.preview-heading { margin: 34px 0 25px; font-family: Georgia, serif; font-size: 29px; }
.preview-bars { display: grid; gap: 17px; }
.preview-bars > div { display: grid; grid-template-columns: 115px 1fr; align-items: center; gap: 16px; color: #d9e0e4; font-size: 12px; }
.preview-bars i { position: relative; display: block; height: 8px; overflow: hidden; background: rgba(255,255,255,.09); border-radius: 20px; }
.preview-bars i::after { content: ""; position: absolute; inset: 0 auto 0 0; width: var(--bar); background: linear-gradient(90deg, var(--teal-600), #7ad0c6); border-radius: inherit; }
.preview-note { display: flex; align-items: center; gap: 14px; margin-top: 30px; padding: 17px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.09); border-radius: 14px; }
.preview-note p { margin: 0; color: #d3dce1; font-size: 12px; line-height: 1.55; }
.preview-note strong { color: white; }
.preview-icon { width: 30px; height: 30px; flex: 0 0 auto; display: grid; place-items: center; color: var(--navy-950); background: #9be0d8; border-radius: 50%; font-family: Georgia, serif; font-weight: 700; }
.floating-card { position: absolute; z-index: 3; min-width: 142px; padding: 15px 17px; background: white; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 14px 34px rgba(7,27,43,.12); }
.floating-card strong, .floating-card span { display: block; }
.floating-card strong { color: var(--navy-900); font-size: 17px; }
.floating-card span { color: var(--muted); font-size: 10px; }
.floating-card-a { left: -27px; bottom: 0; }
.floating-card-b { right: -30px; top: 20px; }

.print-contact { display: none; }

.signal-strip { color: white; background: var(--navy-900); }
.signal-grid { min-height: 94px; display: grid; grid-template-columns: repeat(4,1fr); }
.signal-grid div { display: flex; align-items: center; gap: 15px; padding: 15px 28px; border-right: 1px solid rgba(255,255,255,.1); }
.signal-grid div:last-child { border-right: 0; }
.signal-grid strong { color: #82cfc5; font-family: Georgia, serif; font-size: 14px; }
.signal-grid span { font-size: 13px; font-weight: 650; }

.section { padding: 112px 0; }
.section-soft { background: var(--mist); }
.section-intro { max-width: 710px; margin-bottom: 55px; }
.section-intro > p:last-child, .split-intro > p, .advisor-lead { color: var(--muted); font-size: 18px; }
.benefit-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.benefit-card { position: relative; min-height: 310px; padding: 30px 26px; overflow: hidden; background: white; border: 1px solid var(--line); border-radius: var(--radius); transition: transform .2s ease, box-shadow .2s ease; }
.benefit-card:hover { transform: translateY(-5px); box-shadow: 0 18px 45px rgba(7,27,43,.09); }
.benefit-card.featured { color: white; background: var(--navy-900); border-color: var(--navy-900); }
.benefit-card .card-number { color: #8a969c; font-size: 11px; font-weight: 800; letter-spacing: .13em; }
.benefit-card .line-icon { width: 48px; height: 48px; display: grid; place-items: center; margin: 28px 0 25px; color: var(--teal-700); background: var(--teal-100); border-radius: 50%; font-size: 22px; }
.benefit-card h3 { margin-bottom: 15px; font-family: inherit; font-size: 19px; font-weight: 750; letter-spacing: -.02em; }
.benefit-card p { margin: 0; color: var(--muted); font-size: 14px; }
.benefit-card.featured h3 { color: white; }
.benefit-card.featured p { color: #c5d0d7; }
.split-intro { display: grid; grid-template-columns: 1.1fr .9fr; align-items: end; gap: 100px; margin-bottom: 55px; }
.process-grid { display: grid; grid-template-columns: repeat(4,1fr); counter-reset: process; }
.process-grid article { min-height: 230px; padding: 28px; background: white; border: 1px solid var(--line); border-right: 0; }
.process-grid article:first-child { border-radius: var(--radius) 0 0 var(--radius); }
.process-grid article:last-child { border-right: 1px solid var(--line); border-radius: 0 var(--radius) var(--radius) 0; }
.process-grid article > span { width: 34px; height: 34px; display: grid; place-items: center; margin-bottom: 38px; color: var(--teal-700); background: var(--teal-100); border-radius: 50%; font-size: 12px; font-weight: 800; }
.process-grid h3 { margin-bottom: 12px; font-family: inherit; font-size: 17px; font-weight: 750; }
.process-grid p { margin: 0; color: var(--muted); font-size: 13px; }

.calculator-section { padding: 110px 0; color: white; background: radial-gradient(circle at 20% 10%, rgba(22,129,125,.2), transparent 30%), var(--navy-950); }
.calculator-heading { max-width: 760px; margin-bottom: 45px; }
.calculator-heading h2 { color: white; }
.calculator-heading > p:last-child { color: #b8c5cc; font-size: 17px; }
.calculator { color: var(--ink); background: white; border-radius: var(--radius-lg); box-shadow: 0 30px 90px rgba(0,0,0,.25); }
.progress-wrap { padding: 23px 32px 0; }
.progress-meta { display: flex; justify-content: space-between; margin-bottom: 10px; color: var(--muted); font-size: 12px; font-weight: 700; }
.progress-track { height: 5px; overflow: hidden; background: #e9eeee; border-radius: 20px; }
.progress-track span { display: block; width: 25%; height: 100%; background: var(--teal-600); border-radius: inherit; transition: width .35s ease; }
#check-form { padding: 48px 52px 38px; }
.form-step { animation: step-in .35s ease; }
@keyframes step-in { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.step-kicker, .card-eyebrow { margin-bottom: 11px; color: var(--teal-700); font-size: 11px; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
.form-step h3 { margin-bottom: 10px; }
.step-copy { margin: 0 0 30px; color: var(--muted); }
fieldset { min-width: 0; margin: 0; padding: 0; border: 0; }
.field-block { margin-top: 34px; }
.field-block > legend { margin-bottom: 14px; font-weight: 750; }
.option-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 12px; }
.option-grid-two { grid-template-columns: repeat(2,1fr); }
.option-grid-three { grid-template-columns: repeat(3,1fr); }
.option-card { position: relative; min-height: 135px; display: flex; flex-direction: column; justify-content: flex-end; padding: 25px 20px 20px; border: 1px solid var(--line); border-radius: var(--radius-sm); cursor: pointer; transition: border .2s ease, background .2s ease, transform .2s ease; }
.option-card:hover { transform: translateY(-2px); border-color: #9abfbb; }
.option-card:has(input:checked) { background: #eff9f7; border-color: var(--teal-600); box-shadow: 0 0 0 1px var(--teal-600); }
.option-card input { position: absolute; opacity: 0; }
.option-check { position: absolute; top: 17px; right: 17px; width: 18px; height: 18px; border: 1px solid #aab5bb; border-radius: 50%; }
.option-card:has(input:checked) .option-check { background: var(--teal-600); border-color: var(--teal-600); box-shadow: inset 0 0 0 4px white; }
.option-card strong { font-size: 15px; }
.option-card small { margin-top: 5px; color: var(--muted); font-size: 12px; }
.option-card.compact { min-height: 105px; }
.segmented { display: grid; grid-template-columns: repeat(4,1fr); overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.segmented label { position: relative; cursor: pointer; }
.segmented input { position: absolute; opacity: 0; }
.segmented span { min-height: 54px; display: grid; place-items: center; padding: 10px; border-right: 1px solid var(--line); color: var(--muted); font-size: 13px; font-weight: 650; text-align: center; }
.segmented label:last-child span { border-right: 0; }
.segmented input:checked + span { color: white; background: var(--teal-700); }
.range-field { padding: 25px; background: var(--mist); border-radius: var(--radius-sm); }
.field-label-row { display: flex; justify-content: space-between; align-items: center; gap: 15px; margin-bottom: 19px; }
.field-label-row label { font-weight: 750; }
.field-label-row output { color: var(--teal-700); font-size: 20px; font-weight: 800; }
input[type="range"] { width: 100%; accent-color: var(--teal-700); }
.range-limits { display: flex; justify-content: space-between; color: var(--muted); font-size: 11px; }
.income-exact { display: grid; grid-template-columns: 1fr 190px; align-items: center; gap: 8px 18px; margin-top: 23px; padding-top: 20px; border-top: 1px solid #dce6e5; }
.income-exact > label { font-size: 13px; font-weight: 750; }
.income-exact > p { grid-column: 1 / -1; margin: 0; color: var(--muted); font-size: 11px; }
.currency-input { display: grid; grid-template-columns: auto 1fr; align-items: center; overflow: hidden; background: white; border: 1px solid #cfd9dc; border-radius: 10px; }
.currency-input:focus-within { border-color: var(--teal-600); box-shadow: 0 0 0 3px rgba(22,129,125,.12); }
.currency-input > span { padding-left: 13px; color: var(--teal-700); font-size: 12px; font-weight: 800; }
.currency-input input { width: 100%; min-width: 0; height: 48px; padding: 10px 12px 10px 7px; border: 0; outline: 0; }
.conditional-field { margin-top: 20px; }
.conditional-field label, .field-grid label > span { display: block; margin-bottom: 7px; font-size: 13px; font-weight: 700; }
.conditional-field input, .field-grid input, .field-grid select, .field-grid textarea { width: 100%; min-height: 50px; padding: 11px 13px; color: var(--ink); background: white; border: 1px solid #cfd9dc; border-radius: 10px; }
.field-grid textarea { resize: vertical; }
.field-hint, .microcopy { margin: 7px 0 0; color: var(--muted); font-size: 11px; }
.pk-contribution-field { padding: 20px; background: var(--mist); border: 1px solid #dce6e5; border-radius: var(--radius-sm); }
.pk-contribution-field > label em { color: var(--muted); font-weight: 500; font-style: normal; }
.pk-contribution-field .currency-input { max-width: 260px; margin-top: 8px; }
.caution-note { margin: 13px 0 0; padding: 11px 13px; color: #675327; background: #fff9e9; border: 1px solid #eadfb9; border-radius: 9px; font-size: 11px; }
.field-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 19px; }
.field-grid em { color: var(--muted); font-weight: 500; font-style: normal; }
.form-error { margin-top: 25px; padding: 12px 15px; color: var(--danger); background: #fff2f2; border: 1px solid #f1c5c5; border-radius: 10px; font-size: 13px; }
.form-actions { display: flex; justify-content: space-between; gap: 15px; margin-top: 36px; padding-top: 25px; border-top: 1px solid var(--line); }
.form-actions [data-next] { margin-left: auto; }

.results { padding: 20px 52px 52px; }
.result-topline { display: flex; justify-content: space-between; margin-bottom: 28px; color: var(--muted); font-size: 11px; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.result-hero { display: grid; grid-template-columns: 1fr 190px; gap: 50px; align-items: center; padding: 35px; color: white; background: linear-gradient(145deg,var(--navy-900),var(--navy-950)); border-radius: var(--radius); }
.result-label { margin: 0 0 4px; color: #9fc9c4; font-size: 12px; font-weight: 700; text-transform: uppercase; }
.result-hero h3 { margin: 0 0 8px; color: white; font-size: clamp(35px,5vw,56px); }
.result-hero p:last-child { margin: 0; color: #c8d2d8; font-size: 13px; }
.accuracy span, .accuracy strong { display: block; }
.accuracy span { color: #aebcc4; font-size: 11px; }
.accuracy strong { margin: 2px 0 9px; font-size: 16px; }
.accuracy > div { height: 6px; overflow: hidden; background: rgba(255,255,255,.14); border-radius: 20px; }
.accuracy i { display: block; width: 55%; height: 100%; background: #76cec2; border-radius: inherit; }
.result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 18px; }
.scenario-card { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); }
.scenario-card h4 { margin-bottom: 26px; font-family: inherit; font-size: 18px; font-weight: 750; }
.scenario-row { display: grid; grid-template-columns: 135px 1fr 84px; align-items: center; gap: 12px; margin: 13px 0; font-size: 12px; }
.scenario-row > div { height: 7px; overflow: hidden; background: #e9eeee; border-radius: 20px; }
.scenario-row i { display: block; width: 0; height: 100%; background: var(--teal-600); border-radius: inherit; transition: width .6s ease; }
.scenario-row strong { color: var(--navy-900); text-align: right; }
.action-list { display: grid; gap: 13px; margin: 0; padding: 0; list-style: none; counter-reset: action; }
.action-list li { position: relative; padding-left: 38px; color: #485861; font-size: 13px; }
.action-list li::before { counter-increment: action; content: counter(action); position: absolute; left: 0; top: -2px; width: 25px; height: 25px; display: grid; place-items: center; color: var(--teal-700); background: var(--teal-100); border-radius: 50%; font-size: 10px; font-weight: 800; }
.assumptions { margin-top: 18px; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.assumptions summary { padding: 17px 20px; cursor: pointer; font-size: 13px; font-weight: 750; }
.assumptions > div { padding: 0 20px 18px; color: var(--muted); font-size: 12px; }
.assumptions ul { margin: 0; padding-left: 18px; }
.result-notice { margin-top: 18px; padding: 17px 20px; color: #5f522f; background: #fff9e9; border: 1px solid #eee0af; border-radius: var(--radius-sm); font-size: 12px; }
.result-actions { display: flex; justify-content: flex-end; flex-wrap: wrap; gap: 12px; margin-top: 25px; }

.method-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 100px; align-items: center; }
.method-grid > div:first-child > p:last-child { color: var(--muted); font-size: 17px; }
.method-list { border-top: 1px solid var(--line); }
.method-list > div { display: grid; grid-template-columns: 45px 1fr; gap: 15px; padding: 22px 0; border-bottom: 1px solid var(--line); }
.method-list span { color: var(--teal-700); font-family: Georgia, serif; }
.method-list p { margin: 0; color: var(--muted); font-size: 13px; }
.method-list strong { display: block; margin-bottom: 4px; color: var(--ink); font-size: 15px; }
.advisor-section { background: var(--sand); }
.advisor-grid { display: grid; grid-template-columns: .75fr 1.25fr; gap: 85px; align-items: center; }
.advisor-portrait { position: relative; aspect-ratio: 4 / 4.4; overflow: hidden; background: var(--navy-900); border-radius: var(--radius-lg); box-shadow: 0 24px 55px rgba(12,39,62,.14); }
.advisor-portrait::after { position: absolute; inset: auto 0 0; height: 32%; content: ""; background: linear-gradient(180deg,transparent,rgba(7,30,49,.72)); pointer-events: none; }
.advisor-portrait img { width: 100%; height: 100%; display: block; object-fit: cover; object-position: 50% 22%; }
.advisor-portrait p { position: absolute; z-index: 1; right: 24px; bottom: 20px; left: 24px; margin: 0; color: white; font-size: 12px; font-weight: 750; letter-spacing: .12em; text-transform: uppercase; }
.credential-list { display: grid; gap: 13px; margin: 30px 0 20px; padding: 0; list-style: none; }
.credential-list li { display: grid; grid-template-columns: 25px 1fr; gap: 9px; align-items: start; padding-bottom: 13px; border-bottom: 1px solid rgba(20,33,43,.1); font-weight: 700; }
.credential-list li > span { color: var(--teal-700); }
.credential-list em { display: block; color: var(--muted); font-size: 11px; font-weight: 500; font-style: normal; }
.evidence-note { color: var(--muted); font-size: 12px; }

.contact-section { padding: 110px 0; color: white; background: var(--navy-900); }
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 80px; align-items: start; }
.contact-grid h2 { color: white; }
.contact-grid > div > p:not(.eyebrow) { color: #becbd2; font-size: 17px; }
.contact-points { display: grid; gap: 18px; margin-top: 40px; }
.contact-points > div { display: grid; grid-template-columns: 34px 1fr; gap: 14px; }
.contact-points span { width: 30px; height: 30px; display: grid; place-items: center; color: var(--navy-900); background: #91d9d0; border-radius: 50%; font-size: 11px; font-weight: 800; }
.contact-points p { margin: 0; color: #b8c5cc; font-size: 13px; }
.contact-points strong { display: block; color: white; font-size: 15px; }
.contact-form { padding: 34px; color: var(--ink); background: white; border-radius: var(--radius-lg); }
.form-heading { display: flex; justify-content: space-between; gap: 15px; margin-bottom: 26px; }
.form-heading span { font-family: Georgia, serif; font-size: 25px; }
.form-heading strong { color: var(--teal-700); font-size: 11px; text-transform: uppercase; }
.field-wide { grid-column: 1 / -1; }
.check-row { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; margin: 22px 0; color: #52616a; font-size: 12px; }
.check-row input { margin-top: 4px; accent-color: var(--teal-700); }
.check-row a { color: var(--teal-700); font-weight: 700; }
.hp-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.submit-state { margin-bottom: 12px; font-size: 13px; }
.submit-state.error { color: var(--danger); }
.submit-state.success { padding: 12px; color: #175d43; background: #eaf8f0; border-radius: 9px; }
.form-footnote { margin: 13px 0 0; color: var(--muted); font-size: 10px; text-align: center; }

.faq-grid { display: grid; grid-template-columns: .65fr 1.35fr; gap: 90px; }
.faq-grid details { border-top: 1px solid var(--line); }
.faq-grid details:last-child { border-bottom: 1px solid var(--line); }
.faq-grid summary { position: relative; padding: 22px 35px 22px 0; cursor: pointer; font-weight: 750; list-style: none; }
.faq-grid summary::after { content: "+"; position: absolute; right: 5px; color: var(--teal-700); font-size: 21px; font-weight: 400; }
.faq-grid details[open] summary::after { content: "−"; }
.faq-grid details p { margin: -5px 0 22px; color: var(--muted); font-size: 14px; }

footer { padding: 65px 0 25px; color: #b4c1c9; background: var(--navy-950); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 70px; }
.brand-light { color: white; }
.brand-light .brand-mark { color: var(--navy-950); background: #91d9d0; }
.brand-light small { color: #9fb0ba; }
.footer-grid p { max-width: 320px; font-size: 13px; }
.footer-grid > div:not(:first-child) { display: flex; flex-direction: column; gap: 10px; }
.footer-grid strong { margin-bottom: 8px; color: white; font-size: 13px; }
.footer-grid a, .footer-grid button { width: fit-content; padding: 0; color: #aebcc4; background: none; border: 0; cursor: pointer; font-size: 13px; text-decoration: none; }
.footer-grid a:hover, .footer-grid button:hover { color: white; }
.footer-bottom { display: flex; justify-content: space-between; margin-top: 45px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.1); font-size: 11px; }

.consent { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 20px; background: rgba(4,17,28,.65); }
.consent > div { max-width: 520px; padding: 30px; background: white; border-radius: var(--radius); box-shadow: var(--shadow); }
.consent h2 { font-size: 30px; }
.consent p { color: var(--muted); }

.legal-page { background: var(--mist); }
.legal-main { min-height: 70vh; padding: 80px 0 110px; }
.legal-card { max-width: 850px; padding: clamp(25px,5vw,65px); background: white; border: 1px solid var(--line); border-radius: var(--radius-lg); }
.legal-card h1 { font-size: clamp(38px,5vw,58px); }
.legal-card h2 { margin-top: 38px; font-family: inherit; font-size: 21px; font-weight: 750; }
.legal-card p, .legal-card li { color: var(--muted); }
.draft-warning { padding: 14px 16px; color: #684c13; background: #fff7df; border: 1px solid #ead59e; border-radius: 10px; }

@media (max-width: 980px) {
  nav { display: none; }
  .hero-grid, .method-grid, .advisor-grid, .contact-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 760px; }
  .hero-visual { max-width: 650px; margin-inline: auto; }
  .benefit-grid { grid-template-columns: repeat(2,1fr); }
  .process-grid { grid-template-columns: repeat(2,1fr); gap: 12px; }
  .process-grid article, .process-grid article:first-child, .process-grid article:last-child { border: 1px solid var(--line); border-radius: var(--radius); }
  .split-intro { gap: 45px; }
  .option-grid { grid-template-columns: repeat(2,1fr); }
  .advisor-portrait { max-width: 520px; }
}

@media (max-width: 700px) {
  :root { --shell: min(100% - 28px, 1180px); }
  .header-inner { min-height: 68px; }
  .header-inner > .button { display: none; }
  .brand-logo { width: 142px; }
  .brand-symbol { width: 46px; height: 46px; }
  .brand-word { font-size: 27px; }
  .brand-mark { width: 38px; height: 38px; }
  .hero { padding: 70px 0 85px; }
  h1 { font-size: 43px; }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .text-link { text-align: center; }
  .hero-visual { padding-inline: 0; }
  .floating-card { display: none; }
  .preview-topline { padding-right: 0; }
  .signal-grid { grid-template-columns: repeat(2,1fr); padding-block: 10px; }
  .signal-grid div { padding: 12px 8px; border: 0; }
  .section { padding: 82px 0; }
  .benefit-grid, .split-intro, .process-grid, .faq-grid, .footer-grid { grid-template-columns: 1fr; }
  .split-intro, .faq-grid { gap: 30px; }
  .benefit-card { min-height: 250px; }
  .calculator-section { padding: 82px 0; }
  .calculator-shell { width: min(100% - 18px, 1180px); }
  .progress-wrap { padding: 20px 20px 0; }
  #check-form, .results { padding: 35px 20px 25px; }
  .option-grid, .option-grid-two, .option-grid-three, .field-grid, .result-grid, .result-hero { grid-template-columns: 1fr; }
  .option-card { min-height: 105px; }
  .segmented { grid-template-columns: 1fr 1fr; }
  .segmented span { border-bottom: 1px solid var(--line); }
  .segmented label:nth-child(2) span { border-right: 0; }
  .field-label-row { align-items: flex-start; flex-direction: column; }
  .income-exact { grid-template-columns: 1fr; }
  .result-hero { gap: 25px; }
  .scenario-row { grid-template-columns: 110px 1fr; }
  .scenario-row strong { grid-column: 2; text-align: left; }
  .result-actions { align-items: stretch; flex-direction: column; }
  .advisor-grid, .contact-grid { gap: 50px; }
  .contact-form { padding: 24px 18px; }
  .form-heading { flex-direction: column; }
  .footer-grid { gap: 35px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

@media print {
  .site-header, .hero, .signal-strip, #vorteile, #ablauf, .calculator-heading, #check-form, #methodik, #vertrauen, #beratung, .faq-section, footer, .result-actions { display: none !important; }
  .calculator-section { padding: 0; background: white; }
  .calculator { box-shadow: none; }
  .results { display: block !important; padding: 20px; }
  .print-contact { display: grid; grid-template-columns: 150px 1fr; gap: 24px; align-items: center; margin-top: 24px; padding: 18px 20px; border: 1px solid #b8c6ce; border-radius: 12px; color: #0b2740; page-break-inside: avoid; }
  .print-contact-brand { display: flex; flex-direction: column; }
  .print-contact-brand .brand-symbol { width: 50px; height: 50px; }
  .print-contact-brand .brand-word { font-size: 27px; }
  .print-contact-brand strong { font-size: 22px; }
  .print-contact-brand span { font-size: 9px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
  .print-contact a { color: #0b6670; text-decoration: none; }
}