:root {
  --navy: #10283b;
  --navy2: #18384d;
  --teal: #087b78;
  --teal2: #056461;
  --blue: #79d0e8;
  --blue-deep: #2f7f9e;
  --aqua: #9be9ef;
  --sky: #e9f5f7;
  --paper: #fbfcfc;
  --white: #fff;
  --text: #172e40;
  --muted: #526879;
  --line: #d4e0e4;
  --serif: 'Source Serif 4', Georgia, serif;
  --sans: 'DM Sans', system-ui, sans-serif;
  --max: 1160px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; }
body { margin: 0; background: var(--paper); color: var(--text); font: 17px/1.65 var(--sans); }
a { color: inherit; }
button, input, select { font: inherit; }
:focus-visible { outline: 3px solid var(--teal); outline-offset: 4px; }
.wrap { width: min(var(--max), calc(100% - 48px)); margin: auto; }
.section { padding: 84px 0; }
.eyebrow { margin: 0 0 14px; color: var(--teal); font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
h1, h2, h3 { font-family: var(--serif); font-weight: 600; letter-spacing: -.02em; line-height: 1.12; margin: 0 0 16px; }
h1 { font-size: clamp(2.6rem, 5vw, 4.4rem); max-width: 14ch; }
h2 { font-size: clamp(2rem, 3.6vw, 3rem); }
h3 { font-size: 1.4rem; }
p { margin: 0 0 1em; max-width: 66ch; }
.intro { max-width: 64ch; color: var(--muted); margin-bottom: 36px; }
.icon { display: inline-block; width: 1.2em; height: 1.2em; flex: none; vertical-align: -.2em; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.button { display: inline-flex; min-height: 52px; align-items: center; justify-content: center; gap: 10px; padding: 13px 24px; border: 0; border-radius: 999px; background: var(--teal); color: #fff; font-weight: 700; text-decoration: none; cursor: pointer; box-shadow: 0 6px 18px #061b2930; transition: background-color .2s, transform .2s; }
.button:hover { background: var(--teal2); transform: translateY(-2px); }
.button.light { background: #fff; color: var(--navy); }
.button.light:hover { background: var(--sky); }
.button.ghost { background: transparent; color: #fff; border: 1px solid #ffffff66; box-shadow: none; }
.button.ghost:hover { background: #ffffff14; }
.button.dark { background: var(--teal); color: #fff; box-shadow: none; }
.button.dark:hover { background: var(--teal2); }

/* Header */
header.site { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 20; }
.nav { min-height: 104px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; text-decoration: none; flex: none; }
.brand img { display: block; width: 360px; height: auto; }
.links { display: flex; align-items: center; gap: clamp(16px, 2.4vw, 30px); }
.links a { color: #e0eaf0; font-size: .92rem; font-weight: 600; text-decoration: none; }
.links a:hover { color: var(--blue); }
.links .nav-cta { border: 1px solid #547080; border-radius: 999px; padding: 10px 16px; color: #fff; }
.links .nav-cta:hover { border-color: var(--aqua); color: #fff; }

/* Hero */
.hero { position: relative; overflow: hidden; padding: 80px 0 92px; background: radial-gradient(ellipse at 83% 48%, #087b7855 0, transparent 35%), linear-gradient(116deg, #10283b 0%, #10283b 50%, #123d50 100%); color: #fff; }
.hero:after { position: absolute; top: -74px; right: -170px; width: 540px; height: 540px; border: 1px solid #9be9ef35; border-radius: 50%; content: ""; pointer-events: none; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.02fr .98fr; align-items: center; gap: clamp(38px, 7vw, 92px); }
.hero .eyebrow { color: var(--blue); }
.hero h1 em { color: var(--blue); font-style: normal; }
.lead { max-width: 54ch; color: #d3e0e7; font-size: clamp(1.05rem, 1.7vw, 1.22rem); }
.hero-note { margin: 16px 0 0; color: #b8cbd5; font-size: .9rem; }
.hero-question { margin: 0 0 22px; padding: 16px 20px; border-left: 4px solid var(--aqua); border-radius: 8px; background: #ffffff0d; color: #fff; font-size: 1.15rem; font-weight: 600; max-width: 52ch; }

/* Page hero (agents, partners) */
.page-hero { position: relative; overflow: hidden; padding: 84px 0 92px; background: radial-gradient(ellipse at 90% 20%, #087b7855 0, transparent 40%), linear-gradient(120deg, #10283b 0%, #0f3a4d 100%); color: #fff; }
.page-hero .eyebrow { color: var(--blue); }
.page-hero h1 { max-width: 18ch; }
.page-hero h1 em { color: var(--blue); font-style: normal; }
.page-hero .lead { color: #d3e0e7; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 26px; }
.breadcrumb { margin: 0 0 18px; color: #b8cbd5; font-size: .85rem; }
.breadcrumb a { color: var(--blue); text-decoration: none; }

/* Hero visual: payroll shift */
.pay-visual { position: relative; max-width: 530px; width: 100%; margin: 0 0 0 auto; padding: 26px; border: 1px solid #b5dce0; border-radius: 22px; background: linear-gradient(145deg, #fbfefe 0%, #edf8f9 60%, #e3f3f5 100%); color: var(--text); box-shadow: 0 24px 60px #0005; overflow: hidden; }
.pay-visual .flow-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 8px; }
.pay-visual .visual-head { color: var(--navy); font-size: 1.2rem; font-weight: 700; }
.journey-count { color: #42616d; font-size: .75rem; font-weight: 700; letter-spacing: .08em; }
.journey-count span { color: var(--teal); font-size: 1rem; }
.journey-map { display: block; width: 100%; height: auto; max-height: 130px; overflow: visible; }
.journey-rail { fill: none; stroke: #7aadb4; stroke-width: 4; stroke-linecap: round; }
.journey-progress { fill: none; stroke: var(--teal); stroke-width: 4; stroke-linecap: round; stroke-dasharray: 264; stroke-dashoffset: 264; transition: stroke-dashoffset .55s ease; }
.journey-art[data-step="1"] .journey-progress { stroke-dashoffset: 132; }
.journey-art[data-step="2"] .journey-progress { stroke-dashoffset: 0; }
.node-ring { fill: #fff; stroke: #168d8b; stroke-width: 2.5; transition: fill .25s, stroke .25s; }
.node-icon { fill: none; stroke: #087b78; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: stroke .25s; }
.journey-mark.is-current .node-ring, .journey-mark.is-complete .node-ring { fill: var(--teal); stroke: var(--teal); }
.journey-mark.is-current .node-icon, .journey-mark.is-complete .node-icon { stroke: #fff; }
.paybar-heading { display: flex; justify-content: space-between; gap: 12px; margin: 12px 2px 8px; color: var(--navy); font-size: .8rem; font-weight: 600; }
.paybar-heading span { color: var(--muted); text-align: right; }
.paybar-track { display: flex; width: 100%; height: 22px; overflow: hidden; border: 1px solid #71979f; border-radius: 6px; background: #dcebed; }
.paybar-taxable { width: 100%; background: #39b9c5; transition: width .6s cubic-bezier(.2,.7,.2,1); }
.paybar-benefit { width: 0; border-left: 2px solid #0b3446; background: var(--aqua); transition: width .6s cubic-bezier(.2,.7,.2,1); }
.paybar-track[data-step="1"] .paybar-taxable, .paybar-track[data-step="2"] .paybar-taxable { width: 72%; }
.paybar-track[data-step="1"] .paybar-benefit, .paybar-track[data-step="2"] .paybar-benefit { width: 28%; }
.paybar-legend { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 8px; color: var(--muted); font-size: .72rem; }
.paybar-legend span { display: inline-flex; align-items: center; gap: 6px; }
.paybar-legend i { width: 9px; height: 9px; border-radius: 2px; background: #39b9c5; }
.paybar-legend .legend-benefit { background: var(--aqua); border: 1px solid #2f7f9e; }
.journey-stages { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 7px; margin: 16px 0 12px; }
.journey-stage { display: flex; min-width: 0; min-height: 56px; flex-direction: column; align-items: flex-start; justify-content: center; gap: 2px; padding: 7px 10px; border: 1px solid #b3d9dd; border-radius: 10px; background: #fff; color: var(--navy); text-align: left; cursor: pointer; transition: background-color .2s, border-color .2s, color .2s; }
.journey-stage span { color: var(--muted); font-size: .66rem; font-weight: 700; letter-spacing: .1em; }
.journey-stage strong { font-size: .76rem; line-height: 1.2; }
.journey-stage:hover { border-color: var(--teal); }
.journey-stage.is-active { border-color: var(--teal); background: var(--teal); color: #fff; }
.journey-stage.is-active span { color: var(--aqua); }
.journey-copy { min-height: 74px; padding: 12px 14px; border-left: 3px solid var(--teal); background: #fff; border-radius: 0 8px 8px 0; }
.journey-copy h3 { margin: 0 0 4px; color: var(--navy); font: 700 .95rem/1.3 var(--sans); }
.journey-copy p { margin: 0; color: #405c69; font-size: .8rem; line-height: 1.45; }
.journey-footer { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-top: 12px; }
.journey-hint { color: var(--muted); font-size: .72rem; }
.flow-control { display: inline-flex; min-height: 38px; align-items: center; gap: 8px; padding: 8px 14px; border: 0; border-radius: 999px; background: var(--teal); color: #fff; font-size: .78rem; font-weight: 700; cursor: pointer; }
.flow-control:hover { background: var(--teal2); }
.outcomes { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 12px; }
.outcomes[hidden] { display: none; }
.outcome { position: relative; min-height: 84px; padding: 13px 12px 13px 44px; border: 1px solid #9be9ef; border-left: 3px solid var(--teal); border-radius: 12px; background: #fff; }
.outcome-icon { position: absolute; top: 14px; left: 12px; display: grid; width: 23px; height: 23px; place-items: center; border-radius: 8px; background: #087b7818; color: var(--teal); }
.outcome-icon svg { width: 15px; height: 15px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.outcome-label { display: block; color: var(--muted); font-size: .66rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.outcome strong { display: block; margin-top: 4px; color: var(--navy); font-size: .82rem; line-height: 1.4; }
.visual-caption { margin: 14px 0 0; color: var(--muted); font-size: .7rem; line-height: 1.45; }
.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; }

/* Proof strip */
.proof { border-bottom: 1px solid var(--line); background: #fff; }
.proof-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; padding: 22px 0; }
.proof-item { display: flex; align-items: center; gap: 11px; min-height: 58px; padding: 9px 12px; border: 1px solid #d7e9eb; border-radius: 14px; background: #fff; font-size: .88rem; font-weight: 600; line-height: 1.35; }
.proof-item svg { width: 24px; height: 24px; color: var(--teal); flex: none; }

/* Numbers band */
.numbers { position: relative; overflow: hidden; padding: 52px 0; background: linear-gradient(112deg, #075f67 0%, #087b78 52%, #2f7f9e 100%); color: #fff; }
.number-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.number { padding-left: 24px; border-left: 1px solid #ffffff70; }
.number:first-child { padding: 0; border: 0; }
.number strong { display: block; color: #fff; font: 600 clamp(2.2rem, 4vw, 3.3rem)/1 var(--serif); }
.number:nth-child(2) strong { color: var(--aqua); }
.number:nth-child(3) strong { color: var(--blue); }
.number span { display: block; max-width: 31ch; margin-top: 8px; color: #e4f3f3; font-size: .93rem; line-height: 1.45; }

/* Calculator */
.calculator-section { background: #fff; }
.calc { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: clamp(32px, 5vw, 60px); padding: clamp(26px, 5vw, 50px); border-radius: 24px; background: radial-gradient(ellipse at 100% 0%, #087b7840, transparent 38%), linear-gradient(135deg, #10283b 0%, #13364b 100%); color: #fff; box-shadow: 0 24px 60px #10283b1c; }
.calc h3 { font-size: 1.5rem; }
.calc p { color: #c3d3dc; font-size: .93rem; }
.calc label { display: block; margin: 18px 0 8px; font-weight: 600; }
.calc input[type=number] { display: block; width: 100%; min-height: 60px; padding: 10px 14px; border: 2px solid var(--aqua); border-radius: 12px; background: #fff; color: var(--navy); font: 600 1.3rem var(--sans); }
.calc input[type=number]:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }
.input-help { display: block; margin-top: 8px; color: #c3d3dc; font-size: .82rem; min-height: 1.2em; }
.result { position: relative; overflow: hidden; padding: clamp(26px, 4vw, 40px); border-radius: 18px; background: linear-gradient(145deg, #fff 0%, #f4fcfc 100%); color: var(--navy); text-align: center; box-shadow: 0 20px 46px #071c2b30; }
.result:before { position: absolute; top: 0; left: 0; width: 100%; height: 7px; background: linear-gradient(90deg, var(--teal), var(--aqua), var(--blue)); content: ""; }
.result p { margin: 0; }
.result .kicker { color: var(--teal); font-size: .82rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }
.result strong { display: block; margin: 8px 0; color: var(--teal); font: 600 clamp(2.5rem, 5vw, 3.8rem)/1 var(--serif); }
.result .sub { margin-bottom: 18px; font-weight: 600; }
.result small { display: block; color: var(--muted); font-size: .8rem; line-height: 1.5; }
.fineprint { margin-top: 18px; color: var(--muted); font-size: .85rem; }

/* How it works */
.process { background: linear-gradient(130deg, #e9f5f7, #eef8fb 55%, #e6f4f2); }
.steps { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.steps:before { position: absolute; top: 34px; left: 12%; right: 12%; height: 4px; border-radius: 999px; background: linear-gradient(90deg, var(--teal), var(--blue-deep), var(--aqua), var(--teal2)); content: ""; z-index: 0; }
.step { position: relative; z-index: 1; display: flex; flex-direction: column; min-height: 260px; padding: 26px 22px 22px; border: 0; border-radius: 20px; background: #fff; box-shadow: 0 14px 34px #10283b14; overflow: hidden; transition: transform .25s ease, box-shadow .25s ease; }
.step:hover { transform: translateY(-6px); box-shadow: 0 22px 44px #10283b22; }
.step:before { position: absolute; top: 0; left: 0; width: 100%; height: 6px; background: var(--c); content: ""; }
.step:after { position: absolute; right: -30px; bottom: -30px; width: 110px; height: 110px; border-radius: 50%; background: var(--c); opacity: .08; content: ""; }
.step:nth-child(1) { --c: var(--teal); --soft: #dcf0ef; }
.step:nth-child(2) { --c: var(--blue-deep); --soft: #dfeef5; }
.step:nth-child(3) { --c: #1d6d86; --soft: #d9ecf3; }
.step:nth-child(4) { --c: var(--teal2); --soft: #d3ebe9; }
.step-icon { display: grid; width: 64px; height: 64px; place-items: center; margin-bottom: 18px; border-radius: 18px; background: var(--soft); color: var(--c); }
.step-icon svg { width: 32px; height: 32px; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.step-no { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 10px; color: var(--c); font: 700 .74rem var(--sans); letter-spacing: .14em; text-transform: uppercase; }
.step-no em { display: inline-grid; width: 24px; height: 24px; place-items: center; border-radius: 50%; background: var(--c); color: #fff; font-style: normal; font-size: .72rem; letter-spacing: 0; }
.step h3 { font-size: 1.3rem; margin-bottom: 8px; }
.step p { margin: 0; color: var(--muted); font-size: .92rem; }
.step-tag { margin-top: auto; padding-top: 16px; color: var(--navy); font-size: .78rem; font-weight: 700; }
.step-tag span { display: inline-block; margin-top: 6px; padding: 4px 10px; border-radius: 999px; background: var(--soft); color: var(--c); }
.diagram { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; gap: 12px; align-items: center; margin-top: 56px; padding: 28px; border-radius: 22px; background: linear-gradient(135deg, #10283b, #0b3a4f); }
.diagram .box { padding: 20px 18px; border-radius: 16px; text-align: center; color: #fff; box-shadow: 0 10px 24px #00000033; }
.diagram .box:nth-child(1) { background: var(--blue-deep); }
.diagram .box:nth-child(3) { background: var(--teal); }
.diagram .box:nth-child(5) { background: var(--aqua); color: var(--navy); }
.diagram .box strong { display: block; font-family: var(--serif); font-size: 1.1rem; }
.diagram .box .note { opacity: .85; font-size: .85rem; }
.diagram .arrow { color: var(--aqua); font-size: 30px; font-weight: 700; }

/* Benefits */
#benefits { background: linear-gradient(135deg, #e4f3f2 0%, #edf8f7 100%); }
.people-grid { display: grid; grid-template-columns: .98fr 1.02fr; align-items: center; gap: clamp(34px, 7vw, 84px); }
.benefit-panel { display: flex; flex-direction: column; justify-content: center; gap: 14px; min-height: 320px; padding: 36px; border: 7px solid #fff; border-radius: 22px; background: linear-gradient(145deg, #10283b, #087b78); color: #fff; box-shadow: 0 18px 40px #10283b26; }
.benefit-panel strong { font-family: var(--serif); font-size: 1.6rem; }
.benefit-panel span { color: #d3e0e7; font-size: .95rem; }
.benefit-panel .benefit-foot { color: var(--aqua); font-weight: 700; font-size: .9rem; }
.benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 18px; margin: 26px 0 0; padding: 0; list-style: none; }
.benefits li { padding: 14px 15px; border: 1px solid #dce9ea; border-left: 4px solid var(--teal); border-radius: 12px; background: #fff; }
.benefits li:nth-child(2) { border-left-color: var(--blue-deep); }
.benefits li:nth-child(3) { border-left-color: var(--aqua); }
.benefits li:nth-child(4) { border-left-color: var(--teal2); }
.benefits strong, .benefits span { display: block; }
.benefits strong { font-size: .95rem; }
.benefits span { color: var(--muted); font-size: .85rem; line-height: 1.5; }

/* Fit */
.fit { background: linear-gradient(135deg, #edf8f8 0%, #f1f7fa 100%); }
.fit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 72px); }
.fit-grid > div { padding: clamp(20px, 3vw, 32px); border: 1px solid #d8e8e9; border-radius: 18px; background: #ffffffb8; }
.list { margin: 18px 0 0; padding: 0; list-style: none; }
.list li { position: relative; padding: 12px 0 12px 26px; border-bottom: 1px solid #c4d8dd; }
.list li:before { position: absolute; top: 20px; left: 0; width: 12px; height: 7px; border-bottom: 2px solid #0a9a91; border-left: 2px solid #0a9a91; content: ""; transform: rotate(-45deg); }
.scenario-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 20px; }
.tab { background: #fff; border: 1px solid var(--line); padding: 10px 18px; border-radius: 999px; cursor: pointer; font-size: .92rem; font-weight: 600; color: var(--navy); }
.tab[aria-selected="true"] { background: var(--teal); color: #fff; border-color: var(--teal); }
.panel { padding: 26px; border: 1px solid var(--line); border-radius: 18px; background: #fff; }
.panel[hidden] { display: none; }
.panel-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.panel-grid.two { grid-template-columns: repeat(2, 1fr); }
.panel h3 { font-size: 1.15rem; }
ul.clean { padding-left: 20px; margin: 8px 0 0; }
ul.clean li { margin-bottom: 6px; color: var(--muted); }

/* Chooser (home page) */
.chooser { display: grid; gap: 22px; margin-bottom: 26px; }
.chooser-group h3 { font-size: 1rem; font-family: var(--sans); font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.chip-row { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { min-height: 44px; padding: 10px 18px; border: 1px solid #aec9ce; border-radius: 999px; background: #fff; color: var(--navy); font-weight: 600; font-size: .92rem; cursor: pointer; transition: background-color .2s, border-color .2s, color .2s; }
.chip:hover { border-color: var(--teal); }
.chip[aria-pressed="true"] { background: var(--teal); border-color: var(--teal); color: #fff; }
.fit-panel { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; min-height: 120px; }
.fit-empty { grid-column: 1 / -1; margin: 0; padding: 22px; border: 1px dashed #aec9ce; border-radius: 16px; color: var(--muted); background: #fff; }
.fit-item { padding: 24px; border: 1px solid #d8e8e9; border-left: 5px solid var(--teal); border-radius: 16px; background: #fff; }
.fit-item h3 { font-size: 1.2rem; }
.fit-item p { margin: 0; color: var(--muted); font-size: .93rem; }

/* Eligibility criteria */
.qualify { background: #fff; }
.criteria { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }

/* Slim partner and employee links */
.partner-links { padding: 26px 0; background: var(--sky); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.partner-links-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 32px; }
.partner-links-row p { margin: 0; color: var(--muted); font-size: .95rem; }
.partner-links-row a { color: var(--teal2); font-weight: 700; text-decoration: none; }
.partner-links-row a:hover { text-decoration: underline; }

/* Radio fieldset for the discovery form */
.choice { border: 0; margin: 0; padding: 0; min-width: 0; }
.choice legend { padding: 0; margin-bottom: 6px; font-size: .86rem; font-weight: 700; }
.choice label { display: inline-flex; align-items: center; gap: 8px; margin-right: 22px; font-weight: 500; cursor: pointer; }
.choice input[type=radio] { width: 18px; height: 18px; accent-color: var(--teal); }

/* Partner banner (home page) */
.partner-banner { position: relative; overflow: hidden; padding: 72px 0; background: linear-gradient(120deg, #10283b 0%, #0f3a4d 60%, #075f67 100%); color: #fff; }
.partner-banner:before { position: absolute; top: -120px; right: -100px; width: 360px; height: 360px; border: 1px solid #9be9ef30; border-radius: 50%; content: ""; pointer-events: none; }
.partner-banner .wrap { position: relative; z-index: 1; }
.partner-banner .eyebrow { color: var(--blue); }
.partner-banner h2 { color: #fff; max-width: 22ch; margin-bottom: 28px; }
.partner-tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.partner-tile { display: flex; flex-direction: column; gap: 10px; padding: 28px; border: 1px solid #ffffff26; border-radius: 20px; background: #ffffff0f; color: #fff; text-decoration: none; transition: background-color .2s, border-color .2s, transform .2s; }
.partner-tile:hover { background: #ffffff1c; border-color: var(--aqua); transform: translateY(-3px); }
.partner-tile h3 { margin: 0; color: #fff; font-size: 1.5rem; }
.partner-tile p { margin: 0; color: #d3e0e7; font-size: .95rem; }
.partner-tile .go { margin-top: auto; padding-top: 10px; color: var(--aqua); font-weight: 700; font-size: .92rem; }
.partner-tile .tag { align-self: flex-start; padding: 5px 12px; border-radius: 999px; background: #9be9ef22; color: var(--aqua); font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }

/* Partner subpages */
.page-section { padding: 84px 0; }
.page-section.alt { background: #fff; }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card-grid.four { grid-template-columns: repeat(4, 1fr); }
.card { padding: 26px; border: 1px solid #d8e8e9; border-radius: 18px; background: #fff; }
.card .card-icon { display: grid; width: 48px; height: 48px; place-items: center; margin-bottom: 16px; border-radius: 14px; background: #dcf0ef; color: var(--teal); }
.card .card-icon svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.card p { margin: 0; color: var(--muted); font-size: .93rem; }
.quote-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.quote { padding: 28px; border-radius: 18px; background: var(--navy); color: #fff; }
.quote .q-no { color: var(--aqua); font-size: .74rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.quote p { margin: 10px 0 0; font-family: var(--serif); font-size: 1.35rem; line-height: 1.3; max-width: none; }
.role-list { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.role-list span { padding: 8px 14px; border: 1px solid #b6d8dc; border-radius: 999px; background: #fff; color: var(--navy); font-size: .9rem; font-weight: 600; }
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; counter-reset: step; }
.timeline .card { position: relative; padding-top: 58px; }
.timeline .card:before { position: absolute; top: 22px; left: 26px; display: grid; width: 26px; height: 26px; place-items: center; border-radius: 50%; background: var(--teal); color: #fff; content: counter(step); counter-increment: step; font-size: .8rem; font-weight: 700; }
.compliance-note { margin-top: 28px; padding: 16px 20px; border-left: 3px solid var(--blue-deep); border-radius: 8px; background: #e9f5f7; color: var(--muted); font-size: .88rem; }

/* Contact */
.contact { background: var(--navy); color: #fff; }
.contact-grid { display: grid; grid-template-columns: .82fr 1.18fr; align-items: start; gap: clamp(34px, 7vw, 82px); }
.contact .eyebrow { color: var(--blue); }
.contact-copy > p { color: #cad9e0; }
.contact-note { padding-left: 14px; border-left: 2px solid var(--blue); font-size: .9rem; color: #cad9e0; }
.form { padding: clamp(22px, 4vw, 36px); border-radius: 18px; background: #fff; color: var(--text); box-shadow: 0 24px 60px #0003; }
.form form { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 6px; }
.field.full, .form button, .form-help { grid-column: 1 / -1; }
.field label { font-size: .86rem; font-weight: 700; }
.field input, .field select { width: 100%; min-height: 48px; padding: 10px 12px; border: 1px solid #aabdc6; border-radius: 10px; background: #fff; color: var(--text); }
.field input:focus-visible, .field select:focus-visible { outline: 0; border-color: var(--teal); box-shadow: 0 0 0 4px #087b7820; }
.form-help { margin: 0; color: var(--muted); font-size: .78rem; }
.form button { width: 100%; }
.form-status { grid-column: 1 / -1; min-height: 22px; font-size: .92rem; }
.form-status.error { color: #a4262c; }
.form-status.ok { color: var(--teal2); font-weight: 600; }

/* FAQ */
.faq { background: linear-gradient(135deg, #0b3448 0%, #075f67 58%, #087b78 100%); color: #fff; }
.faq .eyebrow { color: var(--aqua); }
.faq h2 { color: #fff; }
.faq-list { margin-top: 24px; padding: 8px 22px; border: 1px solid #b5dcdf; border-radius: 18px; background: #f8fbfc; color: var(--text); }
details { border-bottom: 1px solid var(--line); }
details:last-child { border-bottom: 0; }
summary { display: flex; min-height: 62px; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 2px; color: var(--navy); font-weight: 700; cursor: pointer; list-style: none; }
summary::-webkit-details-marker { display: none; }
summary:after { color: var(--teal); content: '+'; font-size: 1.4rem; font-weight: 400; }
details[open] summary:after { content: '\2212'; }
details p { max-width: 78ch; margin: 0; padding: 0 36px 20px 2px; color: var(--muted); }

/* Footer */
.footer { padding: 36px 0 44px; background: #0b1c2a; color: #c2d0d8; font-size: .82rem; }
.footer-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 24px; }
.footer p { max-width: 90ch; margin-bottom: 8px; }
.footer-logo { display: block; width: 240px; height: auto; margin-bottom: 10px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; margin: 10px 0 14px; }
.footer-links a { color: #e0eaf0; font-weight: 600; text-decoration: none; }
.footer-links a:hover { color: var(--blue); }

/* Image placeholder slot (swap for licensed photography) */
.photo-slot { margin: 0 0 40px; border-radius: 22px; overflow: hidden; }
.photo-slot-inner { display: flex; flex-direction: column; justify-content: center; gap: 8px; min-height: 280px; padding: 40px; background: linear-gradient(135deg, #18384d 0%, #087b78 55%, #79d0e8 100%); color: #fff; text-align: center; }
.photo-slot-tag { align-self: center; padding: 4px 12px; border: 1px solid #ffffff66; border-radius: 999px; font-size: .75rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.photo-slot strong { font-family: var(--serif); font-size: 1.6rem; }
.photo-slot span:not(.photo-slot-tag) { color: #d3e0e7; font-size: .95rem; }

/* Common concerns */
.concerns { background: #fff; }
.concern-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 26px; }
.concern-grid h3 { font-size: 1.05rem; }
.concern-cta { margin: 28px 0 0; color: var(--muted); }
.concern-cta a { color: var(--teal2); font-weight: 700; }

/* Who this is for */
.who { background: var(--sky); border-bottom: 1px solid var(--line); padding: 26px 0; }
.who-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.who-row div { display: flex; flex-direction: column; gap: 4px; }
.who-row strong { font-family: var(--serif); font-size: 1.1rem; color: var(--navy); }
.who-row span { color: var(--muted); font-size: .95rem; }

.process-art { margin: 0 auto 40px; max-width: 320px; }
.process-art img { display: block; width: 100%; height: auto; }

/* Find-your-fit questionnaire */
.fit .quiz { max-width: 880px; margin: 0 auto; }
.quiz-top { display: grid; gap: 12px; margin-bottom: 26px; }
.quiz-meta { display: flex; justify-content: space-between; gap: 16px; color: var(--muted); font-size: .86rem; font-weight: 600; }
.quiz-bar { height: 8px; border-radius: 999px; background: #d8e8e9; overflow: hidden; }
.quiz-bar > span { display: block; height: 100%; width: 0; border-radius: inherit; background: linear-gradient(90deg, var(--teal), var(--blue)); transition: width .4s ease; }
.quiz-trail { display: flex; flex-wrap: wrap; gap: 8px; min-height: 0; }
.trail-chip { display: inline-flex; align-items: center; min-height: 34px; padding: 6px 14px; border: 1px solid #aec9ce; border-radius: 999px; background: var(--sky); color: var(--navy); font: inherit; font-size: .84rem; font-weight: 600; cursor: pointer; }
.trail-chip:hover { border-color: var(--teal); }
.trail-chip span { pointer-events: none; }
.quiz-stage { min-height: 260px; }
.quiz-card { padding: 34px; border: 1px solid #d8e8e9; border-radius: 22px; background: #fff; box-shadow: 0 14px 34px #10283b12; animation: quizIn .35s ease both; }
.quiz-card h3 { font-size: clamp(1.35rem, 2.4vw, 1.75rem); margin-bottom: 22px; outline: none; }
.opt-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; }
.opt { display: flex; flex-direction: column; align-items: flex-start; gap: 6px; min-height: 124px; padding: 20px; border: 1px solid #d4e0e4; border-radius: 16px; background: var(--paper); color: var(--text); font: inherit; text-align: left; cursor: pointer; transition: border-color .2s, background-color .2s, transform .2s, box-shadow .2s; animation: quizIn .35s ease both; animation-delay: calc(var(--i, 0) * 60ms); }
.opt:hover { border-color: var(--teal); background: #fff; transform: translateY(-2px); box-shadow: 0 10px 24px #10283b14; }
.opt:focus-visible, .quiz-back:focus-visible, .trail-chip:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; }
.opt-num { color: var(--teal); font-size: .78rem; font-weight: 700; letter-spacing: .08em; }
.opt strong { font-family: var(--serif); font-size: 1.12rem; font-weight: 600; color: var(--navy); line-height: 1.25; }
.opt small { color: var(--muted); font-size: .9rem; line-height: 1.45; }
.quiz-nav { margin-top: 18px; }
.quiz-back { min-height: 44px; padding: 8px 4px; border: 0; background: none; color: var(--teal2); font: inherit; font-weight: 700; cursor: pointer; }
.quiz-back:hover { text-decoration: underline; }
.quiz-back[hidden] { display: none; }
.result-card .kicker { margin: 0 0 8px; color: var(--teal); font-size: .82rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }
.result-card h3 { margin-bottom: 14px; }
.result-card p { color: var(--muted); }
.result-points { margin: 0 0 24px; padding: 0; list-style: none; display: grid; gap: 12px; }
.result-points li { position: relative; padding: 14px 16px 14px 42px; border-radius: 14px; background: var(--sky); color: var(--text); line-height: 1.5; }
.result-points li:before { position: absolute; left: 16px; top: 15px; width: 14px; height: 14px; border-radius: 50%; background: var(--teal); content: ""; }
.result-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.result-note { margin: 22px 0 0; font-size: .86rem; }
.result-card.is-review { border-left: 5px solid var(--blue-deep); }
.button.ghost-dark { background: transparent; color: var(--teal2); border: 1px solid var(--teal); box-shadow: none; }
.button.ghost-dark:hover { background: var(--sky); color: var(--navy); transform: none; }
@keyframes quizIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* Responsive */
@media (max-width: 1000px) {
  .links a:not(.nav-cta) { display: none; }
  .steps { grid-template-columns: 1fr 1fr; }
  .steps:before { display: none; }
  .proof-row { grid-template-columns: 1fr 1fr; }
  .card-grid.four { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .hero-grid, .people-grid, .fit-grid, .contact-grid, .calc { grid-template-columns: 1fr; }
  .pay-visual { margin: 0 auto; }
  .panel-grid, .panel-grid.two { grid-template-columns: 1fr; }
  .diagram { grid-template-columns: 1fr; }
  .diagram .arrow { transform: rotate(90deg); text-align: center; }
  .partner-tiles, .quote-pair, .card-grid, .timeline, .criteria, .who-row, .concern-grid { grid-template-columns: 1fr; }
}
@media (max-width: 680px) {
  body { font-size: 16px; }
  .wrap { width: calc(100% - 36px); }
  .section, .page-section { padding: 60px 0; }
  .nav { min-height: 88px; }
  .brand img { width: 260px; }
  .links { display: none; }
  .hero { padding: 56px 0 68px; }
  .page-hero { padding: 60px 0 68px; }
  h1 { font-size: clamp(2.3rem, 11vw, 3.1rem); }
  .steps, .proof-row, .number-grid, .benefits, .card-grid.four { grid-template-columns: 1fr; }
  .number, .number:first-child { padding: 0; border: 0; }
  .journey-stages { gap: 5px; }
  .journey-stage { min-height: 54px; padding: 7px; }
  .journey-stage strong { font-size: .66rem; }
  .form form { grid-template-columns: 1fr; }
  .outcomes { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .journey-progress, .paybar-taxable, .paybar-benefit, .journey-stage, .button, .step, .partner-tile, .quiz-bar > span, .opt { transition: none !important; }
  .quiz-card, .opt { animation: none !important; }
}

/* Calculator lead, CFO summary, consent notice */
.calc-lead { color: var(--muted); max-width: 60ch; }
.cfo-summary { background: var(--sky); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.cfo-row { display: flex; gap: 28px; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.cfo-row > div { max-width: 58ch; }
.consent { position: fixed; left: 16px; right: 16px; bottom: 16px; max-width: 640px; margin: 0 auto; background: var(--navy); color: #e0eaf0; border-radius: 10px; padding: 16px 18px; display: flex; gap: 16px; align-items: center; justify-content: space-between; box-shadow: 0 10px 30px rgba(16,40,59,.25); z-index: 60; }
.consent p { margin: 0; font-size: .95rem; }
.consent a { color: var(--aqua); }
.consent[hidden] { display: none; }
@media (max-width: 640px) { .consent { flex-direction: column; align-items: stretch; } }

/* Document pages (CFO summary, privacy) on light background */
.doc { padding: 48px 0 64px; max-width: 820px; color: var(--text); }
.doc h1 { color: var(--navy); }
.doc h2 { color: var(--navy); font-size: 1.35rem; margin-top: 30px; }
.doc .breadcrumb { color: var(--muted); }
.doc .breadcrumb a { color: var(--teal2); }
.doc .eyebrow { color: var(--teal2); }
.doc .lead { color: var(--muted); }
.doc ul { padding-left: 20px; }
.doc li { margin-bottom: 8px; }
.doc a { color: var(--teal2); }

/* Form consent checkbox (inline, not the fixed banner) */
.form-consent { display: flex; gap: 10px; align-items: flex-start; margin: 6px 0 14px; font-size: .9rem; line-height: 1.45; color: var(--muted); }
.form-consent input { width: 18px; height: 18px; flex: none; margin: 3px 0 0; accent-color: var(--teal); }

/* Field opportunity (agents and consultants) */
.field-opportunity { background: linear-gradient(135deg, #e4f3f2 0%, #edf8f7 100%); }
.opportunity-card { display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: clamp(30px, 5vw, 64px); padding: clamp(28px, 5vw, 54px); border: 1px solid #ffffff1f; border-radius: 22px; background: radial-gradient(ellipse at 88% 10%, #087b7855 0, transparent 34%), linear-gradient(120deg, #10283b 0%, #0e3044 58%, #0b3a3c 100%); color: #fff; box-shadow: 0 24px 60px #10283b1f; }
.opportunity-copy .eyebrow { color: var(--blue); }
.opportunity-copy h2 { max-width: 15ch; color: #fff; }
.opportunity-copy h2 em { color: var(--blue); font-style: normal; }
.opportunity-copy > p { max-width: 52ch; color: #c6d8e0; }
.opportunity-copy .button { margin-top: 6px; }
.opportunity-fine { margin: 14px 0 0; color: #9fb9c6; font-size: .8rem; }
.opportunity-points { display: grid; gap: 0; margin: 0; padding: 0; list-style: none; border-top: 1px solid #ffffff2b; }
.opportunity-points li { display: grid; grid-template-columns: 38px 1fr; gap: 14px; padding: 15px 0; border-bottom: 1px solid #ffffff1f; }
.opportunity-points .no { color: var(--blue); font-family: var(--serif); font-size: 1.05rem; line-height: 1.4; opacity: .9; }
.opportunity-points strong { display: block; margin-bottom: 2px; color: #fff; font-size: .95rem; }
.opportunity-points li div span { display: block; color: #b9cdd7; font-size: .83rem; line-height: 1.5; }
@media (max-width: 900px) { .opportunity-card { grid-template-columns: 1fr; gap: 30px; } }
@media (max-width: 680px) { .opportunity-card { padding: 24px 20px; border-radius: 18px; } .opportunity-points li { grid-template-columns: 30px 1fr; gap: 10px; } }

/* Section rhythm: no two neighbouring sections share a near-identical tone */
.field-opportunity { background: #fff; }
.calculator-section { background: linear-gradient(180deg, #f3f8f9 0%, #eaf4f6 100%); }

/* Header tightens after scrolling */
header.site { transition: box-shadow .25s ease, background-color .25s ease; }
header.site.is-scrolled { box-shadow: 0 10px 30px #0a1e2d40; background: #0c2233; }

/* Scroll reveal (JS adds .is-visible; without JS content stays visible) */
.js .reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s cubic-bezier(.2,.7,.2,1); transition-delay: var(--d, 0ms); }
.js .reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  header.site { transition: none; }
}

/* Award-level refresh: hero, team band, section rhythm (navy, teal, aqua palette only) */
.hero { padding: 104px 0 112px; }
.hero h1 { font-size: clamp(2.8rem, 5.4vw, 4.8rem); letter-spacing: -.03em; }
.hero .lead { color: #d5e4ea; font-size: 1.08rem; max-width: 58ch; }
.hero .button { box-shadow: 0 14px 30px #05646166; }
.hero .button:hover { box-shadow: 0 18px 36px #056461880; }

.team-band { background: var(--white); border-bottom: 1px solid var(--line); padding: 56px 0 48px; }
.team-band figure { margin: 0 auto; max-width: 820px; text-align: center; }
.team-band img { display: block; width: 100%; height: auto; max-height: 380px; object-fit: contain; }
.team-band figcaption { margin-top: 14px; color: var(--muted); font-size: .92rem; }

.who { background: linear-gradient(90deg, #e9f5f7 0%, #d9ecf3 100%); }
.who-row div { padding: 18px 20px; border-radius: 14px; background: #ffffffb3; border: 1px solid #d4e0e4; }

.section .intro { font-size: 1.05rem; }
.section + .section { border-top: 1px solid #e0eaf0; }
.field-opportunity .opportunity-card { box-shadow: 0 24px 60px -30px #10283b55; }

/* Mobile sticky primary action (one-hand reach) and tighter proof spacing */
.mobile-cta { display: none; }
@media (max-width: 680px) {
  .mobile-cta { display: inline-flex; position: fixed; left: 18px; right: 18px; bottom: 16px; z-index: 30; box-shadow: 0 12px 28px #05646180; }
  body { padding-bottom: 84px; }
}
.proof-row, .who-row { gap: 18px; }

/* Hero actions and trust row */
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin: 0 0 4px; }
.hero-actions .button { margin: 0; }
.trust-row { display: flex; flex-wrap: wrap; gap: 8px 18px; list-style: none; margin: 18px 0 0; padding: 0; color: #d5e4ea; font-size: .9rem; font-weight: 600; }
.trust-row li { display: inline-flex; align-items: center; gap: 8px; }
.trust-row li::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--aqua); flex: none; }