/* ===== STYLE BLOCK: Innovations Financial brand (crest on a night field) ===== */
:root{
  --surface:#05080f; --deep:#080c16; --navy:#0b111e; --raised:#121c2b; --card:#141d2c;
  --line:#232b36; --field:#e9ecef;
  --ink:#ffffff; --ink-cool:#eaf1ff; --ink-label:#c8d0e0; --ink-body:#bdcae0; --ink-muted:#94a3b8;
  --gold:#d9b25a; --gold-bright:#e9cf86; --gold-wash:#d9b25a22; --on-gold:#080c16; --crest-gold:#a67b34; --crest-red:#7c1c1b;
  --parchment:#f3ead6; --parchment-ink:#2a2217;
  --err:#ff8a7a;
  --display:"Playfair Display",Georgia,serif; --body:Roboto,system-ui,sans-serif; --ui:Inter,system-ui,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;background:var(--surface);scroll-behavior:smooth}
body{margin:0;background:var(--surface);color:var(--ink-label);font:400 17px/1.6 var(--body)}
img,svg{max-width:100%;display:block}
a{color:var(--gold-bright);text-underline-offset:3px}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.hidden{display:none!important}

/* header */
.top{background:var(--surface);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:16px}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{height:64px;width:auto}
.top nav{display:flex;gap:26px;align-items:center}
.top nav a{color:var(--ink-label);text-decoration:none;font-size:15px}
.top nav a:hover,.top nav a[aria-current]{color:var(--gold-bright)}
.top .call{color:var(--gold-bright);font:700 15px var(--ui);text-decoration:none;white-space:nowrap;border:1px solid var(--gold);border-radius:10px;padding:10px 16px}
@media(max-width:900px){.top nav{display:none}.top .wrap{min-height:70px}.brand img{height:60px}}

/* hero */
.hero{background:var(--surface);padding:56px 0 64px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 60% 55% at 70% 20%,rgba(251,189,35,.07),transparent 70%);pointer-events:none}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:start;position:relative}
.eyebrow{display:inline-block;font:700 13px/1.1 var(--display);letter-spacing:1.5px;color:var(--gold);background:var(--gold-wash);border:1px solid var(--gold);border-radius:999px;padding:9px 14px;margin:0 0 22px}
.hero h1{font:700 clamp(34px,4.6vw,56px)/1.1 var(--display);color:var(--gold-bright);margin:0 0 20px;max-width:13em}
.hero .lede{font-size:19px;line-height:1.65;color:var(--ink-body);margin:0 0 26px;max-width:32em}
.proof{list-style:none;padding:0;margin:0 0 28px;display:grid;gap:11px;max-width:34em}
.proof li{position:relative;padding-left:30px;color:var(--ink-cool);font-size:17px}
.proof li::before{content:"";position:absolute;left:3px;top:.5em;width:13px;height:7px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.flag{border-left:3px solid var(--gold);padding:10px 16px;color:var(--ink-muted);font-size:15px;line-height:1.5;margin:0 0 22px;max-width:36em}
@media(max-width:900px){.hero{padding:32px 0 40px}.hero .wrap{grid-template-columns:1fr;gap:30px}.hero h1{max-width:none}.hero .lede{font-size:17px}}

/* feather rule (section divider) */
.rule{display:flex;justify-content:center;padding:0 0 8px}
.rule svg{width:220px;height:22px;opacity:.55}

/* ledger */
.ledger{background:var(--deep);padding:64px 0}
.ledger h2,.section h2,.pack h2{font:700 clamp(28px,3.6vw,44px)/1.1 var(--display);letter-spacing:.3px;color:var(--ink);margin:0 0 10px;max-width:18em}
.ledger .sub,.section .sub,.pack .sub{color:var(--ink-muted);margin:0 0 36px;max-width:40em;font-size:17px}
.rows{border-top:1px solid var(--line);max-width:880px}
.row{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:baseline;padding:22px 0;border-bottom:1px solid var(--line)}
.row .what{font-size:18px;color:var(--ink-cool)}
.row .what small{display:block;color:var(--ink-muted);font-size:14px;margin-top:4px}
.row .num{font:700 clamp(26px,3.2vw,38px)/1.2 var(--display);color:var(--ink-label);white-space:nowrap}
.row.hot .num{color:var(--gold)}
.row.hot .what{color:var(--ink)}
.ledger .fine,.fine{color:var(--ink-muted);font-size:14px;margin:18px 0 0;max-width:56em;line-height:1.55}
@media(max-width:600px){.row{grid-template-columns:1fr;gap:4px}.row .num{font-size:28px}}

/* editorial sections */
.section{padding:64px 0}
.section.navy{background:var(--navy)}
.section p{max-width:44em;color:var(--ink-body)}
.defs{border-top:1px solid var(--line);margin-top:8px;max-width:960px}
.def{display:grid;grid-template-columns:240px 1fr;gap:28px;padding:26px 0;border-bottom:1px solid var(--line)}
.def h3{font:700 22px/1.25 var(--display);color:var(--ink-cool);margin:0}
.def p{margin:0;color:var(--ink-body);font-size:16.5px}
@media(max-width:700px){.def{grid-template-columns:1fr;gap:8px;padding:20px 0}}

/* three medals */
.medals{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--line);margin-top:30px;max-width:980px}
.medal{padding:28px 24px;border-right:1px solid var(--line);position:relative}
.medal:last-child{border-right:0}
.medal.pick{background:var(--raised)}
.medal .tag{font:700 12px var(--display);letter-spacing:1.5px;color:var(--gold);margin:0 0 10px}
.medal h3{font:700 26px/1.2 var(--display);color:var(--ink);margin:0 0 8px}
.medal p{margin:0;color:var(--ink-body);font-size:16px}
.medal .rec{position:absolute;top:-1px;right:-1px;background:var(--gold);color:var(--on-gold);font:700 12px var(--ui);padding:6px 10px}
@media(max-width:800px){.medals{grid-template-columns:1fr}.medal{border-right:0;border-bottom:1px solid var(--line)}.medal:last-child{border-bottom:0}}

/* the packet (what the family receives) */
.pack{background:var(--navy);padding:72px 0}
.pack .grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.pack .cert{filter:drop-shadow(0 24px 40px rgba(0,0,0,.6));transform:rotate(-1.2deg)}
.pack ol{list-style:none;padding:0;margin:0;counter-reset:p}
.pack li{counter-increment:p;position:relative;padding:18px 0 18px 54px;border-top:1px solid var(--line)}
.pack li:last-child{border-bottom:1px solid var(--line)}
.pack li::before{content:counter(p,upper-roman);position:absolute;left:0;top:18px;font:700 18px/1.3 var(--display);color:var(--gold)}
.pack li b{display:block;color:var(--ink-cool);font:700 19px/1.3 var(--display);margin:0 0 4px}
.pack li span{color:var(--ink-body);font-size:16px}
.pack .free{display:inline-block;margin-left:8px;font:700 11px var(--ui);letter-spacing:1px;color:var(--on-gold);background:var(--gold);padding:3px 7px;vertical-align:middle;border-radius:3px}
@media(max-width:900px){.pack .grid{grid-template-columns:1fr;gap:36px}.pack .cert{transform:none}}

/* wallet card */
.wallet{max-width:420px;margin:28px 0 0;background:#f6f1e4;color:#1f1a12;border:1px dashed #9a8a66;border-radius:8px;padding:14px 16px;font:400 14px/1.5 var(--body)}
.wallet .strip{font:700 11px var(--ui);letter-spacing:1.5px;color:#f6f1e4;background:#0b111e;margin:-14px -16px 12px;padding:8px 16px;border-radius:8px 8px 0 0}
.wallet .cw{font:700 22px/1.2 var(--display);letter-spacing:2px;margin:4px 0 6px}
.wallet small{color:#5e5440}

/* honest payout */
.payout{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);max-width:980px;margin-top:30px}
.payout div{padding:24px;border-right:1px solid var(--line)}
.payout div:last-child{border-right:0}
.payout h3{font:700 20px/1.3 var(--display);color:var(--ink-cool);margin:0 0 6px}
.payout .when{font:700 15px var(--ui);color:var(--gold);margin:0 0 8px}
.payout p{margin:0;color:var(--ink-body);font-size:15.5px}
@media(max-width:800px){.payout{grid-template-columns:1fr}.payout div{border-right:0;border-bottom:1px solid var(--line)}.payout div:last-child{border-bottom:0}}

/* faq */
.faq{margin-top:26px;max-width:860px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:0}
.faq summary{cursor:pointer;font:700 18px/1.4 var(--display);color:var(--ink-cool);min-height:60px;display:flex;align-items:center;list-style:none;padding:8px 0}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";margin-left:auto;color:var(--gold);font:400 28px var(--display);padding-left:16px}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 20px;color:var(--ink-body);font-size:16.5px;max-width:46em}
.note{font-size:14px;color:var(--ink-muted);max-width:56em;margin:22px 0 0;line-height:1.55}

/* agent block */
.agent{display:grid;grid-template-columns:200px 1fr;gap:34px;align-items:center;margin-top:40px}
.agent .photo{width:200px;height:200px;border-radius:50%;background:var(--raised);border:2px solid var(--gold);display:grid;place-items:center;color:var(--ink-muted);font-size:13px;text-align:center;padding:16px;overflow:hidden}
.agent .photo img{width:100%;height:100%;object-fit:cover}
.agent blockquote{margin:0;font:400 clamp(20px,2.4vw,26px)/1.4 var(--display);color:var(--ink);max-width:24em}
.agent cite{display:block;font:400 15px var(--body);color:var(--ink-muted);margin-top:14px;font-style:normal}
@media(max-width:700px){.agent{grid-template-columns:1fr;gap:20px}.agent .photo{width:140px;height:140px}}

/* quote form */
.quote{background:var(--raised);border-radius:16px;padding:28px 26px 24px;box-shadow:0 10px 30px rgba(0,0,0,.35);position:relative}
.quote::before{content:"";position:absolute;left:26px;right:26px;top:0;height:3px;background:var(--gold);border-radius:0 0 3px 3px}
.quote h2{font:700 26px/1.2 var(--display);margin:0 0 4px;color:var(--ink-cool)}
.quote .sub{margin:0 0 18px;color:var(--ink-muted);font-size:15px}
.field{margin:0 0 14px}
.field label{display:block;font:700 14px/1.3 var(--ui);margin:0 0 6px;color:var(--ink-label)}
.field input,.field select{width:100%;min-height:50px;padding:10px 14px;border:1px solid transparent;border-radius:5px;font:400 17px var(--body);color:#000;background:var(--field)}
.field select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%23080c16' stroke-width='2'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.field input:focus,.field select:focus{outline:2px solid var(--gold);outline-offset:1px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:420px){.row2{grid-template-columns:1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;line-height:1.45;color:var(--ink-muted);margin:4px 0 16px}
.consent a{color:var(--ink-label)}
.consent input{width:22px;height:22px;flex:0 0 22px;margin-top:1px;accent-color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:16px 32px;border:1px solid var(--gold);border-radius:10px;background:var(--gold);color:var(--on-gold);font:700 18px/1.2 var(--ui);text-decoration:none;cursor:pointer;width:100%;box-shadow:0 4px 16px 0 #f8c54144}
.btn:hover{background:var(--gold-bright)}
.btn:disabled{opacity:.6;cursor:wait}
.btn.ghost{background:transparent;color:var(--gold-bright);width:auto;box-shadow:none}
.form-err{color:var(--err);font-weight:700;font-size:15px;margin:0 0 10px}
.small{font-size:13px;color:var(--ink-muted);margin:12px 0 0}

/* closing */
.close{background:var(--deep);padding:72px 0;text-align:center}
.close h2{font:700 clamp(28px,3.6vw,44px)/1.1 var(--display);color:var(--ink);margin:0 0 12px}
.close p{color:var(--ink-muted);margin:0 auto 28px;max-width:36em}
.close .btn{width:auto;min-width:232px}

/* footer */
.foot{background:var(--surface);border-top:1px solid var(--line);color:var(--ink-muted);font-size:14px;padding:44px 0 120px}
.foot a{color:var(--ink-label)}
.foot .grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:28px}
.foot h4{color:var(--ink-cool);font:700 17px var(--display);margin:0 0 10px}
.foot p{margin:0 0 8px}
.foot .legal{border-top:1px solid var(--line);margin-top:28px;padding-top:20px;font-size:13px;line-height:1.6}
.foot .mark{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:14px}
.foot .code{font:400 12px var(--display);letter-spacing:2px;color:#3a4453}
@media(max-width:900px){.foot .grid{grid-template-columns:1fr}}
@media(min-width:901px){.foot{padding-bottom:44px}}

/* sticky mobile bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:20;display:none;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(8,12,22,.97);border-top:1px solid var(--line)}
.mbar a{flex:1;min-height:50px;display:flex;align-items:center;justify-content:center;border-radius:10px;font:700 16px var(--ui);text-decoration:none}
.mbar .m-call{border:1px solid var(--gold);color:var(--gold-bright)}
.mbar .m-quote{background:var(--gold);color:var(--on-gold)}
@media(max-width:900px){.mbar{display:flex}}

/* legal pages */
.doc{padding:48px 0 64px}
.doc h1{font:700 clamp(30px,4vw,44px)/1.15 var(--display);color:var(--gold-bright);margin:0 0 6px}
.doc h2{font:700 24px/1.3 var(--display);color:var(--ink-cool);margin:32px 0 8px}
.doc p,.doc li{max-width:46em;color:var(--ink-body)}

/* thank you */
.thanks{padding:80px 0}
.thanks h1{font:700 clamp(32px,4.5vw,48px)/1.1 var(--display);color:var(--gold-bright);margin:0 0 16px}
.thanks p{max-width:36em;color:var(--ink-body);font-size:18px}

@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}
/* ===== END STYLE BLOCK ===== */

/* ===== quote wizard ===== */
#qwiz{background:var(--raised);border-radius:16px;padding:26px 24px 24px;box-shadow:0 10px 30px rgba(0,0,0,.35);position:relative;min-height:420px}
#qwiz::before{content:"";position:absolute;left:24px;right:24px;top:0;height:3px;background:var(--gold);border-radius:0 0 3px 3px}
#qwiz h2{font:700 25px/1.2 var(--display);margin:0 0 6px;color:var(--ink-cool)}
#qwiz .sub{margin:0 0 18px;color:var(--ink-muted);font-size:15px;max-width:none}
.qsteps{list-style:none;padding:0;margin:0 0 18px;display:grid;grid-template-columns:repeat(4,1fr);gap:6px}
.qsteps li{font:700 11px/1.2 var(--ui);letter-spacing:.5px;color:var(--ink-muted);border-top:3px solid var(--line);padding-top:6px}
.qsteps li.now{color:var(--gold);border-top-color:var(--gold)}
.qsteps li.done{color:var(--ink-label);border-top-color:var(--ink-muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 14px}
.chips-label{font:700 12px var(--ui);letter-spacing:1px;color:var(--ink-muted);margin:4px 0 8px;text-transform:uppercase}
.chip{min-height:40px;padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:var(--card);color:var(--ink-label);font:400 15px var(--body);cursor:pointer;text-align:left}
.chip.on{border-color:var(--gold);color:var(--ink);background:var(--gold-wash)}
.chips.big .chip{font:700 18px var(--display);min-height:48px;padding:8px 18px}
.hint{font-size:13.5px;color:var(--ink-muted);line-height:1.5;margin:0 0 14px}
#qwiz .btn{margin-top:4px}
#qwiz .btn.ghost{width:100%;margin-top:10px;min-height:44px}
.tiers{display:grid;gap:12px;margin:0 0 14px}
.tier{position:relative;border:1px solid var(--line);border-radius:12px;padding:18px 18px 16px;background:var(--card)}
.tier.pick{border-color:var(--gold);background:#17213240}
.tier .rec{position:absolute;top:-1px;right:-1px;background:var(--gold);color:var(--on-gold);font:700 11px var(--ui);padding:5px 9px;border-radius:0 12px 0 8px}
.tier .tag{font:700 11px var(--display);letter-spacing:1.5px;color:var(--gold);margin:0 0 4px}
.tier h3{font:700 28px/1.1 var(--display);color:var(--ink);margin:0 0 6px}
.tier .mo{font:400 18px var(--body);color:var(--ink-cool);margin:0 0 6px}.tier .mo b{font:700 26px var(--display)}
.tier .tp{font-size:14px;color:var(--ink-body);margin:0 0 10px}
.tier .rv{font-size:13px;color:var(--gold-bright);margin:0 0 10px;line-height:1.45}
.tier .btn{min-height:46px;font-size:16px}

/* ===== application ===== */
.apply{padding:40px 0 70px}
.apply .lead{max-width:40em;color:var(--ink-body)}
.appgrid{display:grid;grid-template-columns:260px 1fr;gap:36px;align-items:start;margin-top:30px}
.partnav{list-style:none;padding:0;margin:0;position:sticky;top:20px}
.partnav li{padding:12px 0 12px 44px;position:relative;color:var(--ink-muted);font:400 15px var(--body);border-left:1px solid var(--line)}
.partnav li::before{content:attr(data-n);position:absolute;left:-14px;top:9px;width:28px;height:28px;border-radius:50%;background:var(--surface);border:1px solid var(--line);color:var(--ink-muted);display:grid;place-items:center;font:700 12px var(--display)}
.partnav li.now{color:var(--ink)}.partnav li.now::before{border-color:var(--gold);color:var(--gold)}
.partnav li.done{color:var(--ink-label)}.partnav li.done::before{background:var(--gold);border-color:var(--gold);color:var(--on-gold);content:"\2713"}
.schedule{background:var(--parchment);color:var(--parchment-ink);border-radius:6px;padding:18px 20px;margin:0 0 22px;position:relative;font-family:Georgia,serif}
.schedule::before{content:"";position:absolute;inset:6px;border:1px solid #a67b34;border-radius:3px;pointer-events:none}
.schedule .st{font-size:10px;letter-spacing:3px;color:#5e5440;margin:0 0 8px}
.schedule .sg{display:grid;grid-template-columns:repeat(3,1fr);gap:10px 18px}
.schedule .sg div{font-size:14px}.schedule .sg small{display:block;font-size:9px;letter-spacing:2px;color:#8a7a55;margin-bottom:2px}
.schedule .sg b{font-family:"Playfair Display",Georgia,serif;font-size:17px;color:#2a2217}
.schedule .lock{position:absolute;right:16px;top:14px;font-size:10px;letter-spacing:2px;color:#5e5440}
@media(max-width:700px){.schedule .sg{grid-template-columns:1fr 1fr}}
.part{background:var(--raised);border-radius:16px;padding:26px 24px;box-shadow:0 10px 30px rgba(0,0,0,.35)}
.part h2{font:700 24px/1.2 var(--display);color:var(--ink-cool);margin:0 0 4px}
.part .ph{font:700 11px var(--display);letter-spacing:2px;color:var(--gold);margin:0 0 4px}
.part .sub{margin:0 0 20px;font-size:15px;color:var(--ink-muted)}
.part fieldset{border:0;padding:0;margin:0 0 6px}
.part legend{font:700 16px/1.3 var(--display);color:var(--ink-cool);margin:12px 0 10px;padding:0}
.part textarea{width:100%;min-height:96px;padding:10px 14px;border:1px solid transparent;border-radius:5px;font:400 16px var(--body);color:#000;background:var(--field);resize:vertical}
.part textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
.part .bad{outline:2px solid var(--err)}
.part .btnrow{display:flex;gap:10px;margin-top:18px}
.part .btnrow .btn{flex:1}.part .btnrow .btn.ghost{flex:0 0 auto;min-width:110px}
.row3{display:grid;grid-template-columns:2fr 1fr 1fr;gap:12px}
@media(max-width:520px){.row3{grid-template-columns:1fr}}
.terms{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px 18px;max-height:280px;overflow:auto;font-size:14px;line-height:1.55;color:var(--ink-body);margin:0 0 16px}
.terms h3{font:700 15px var(--display);color:var(--ink-cool);margin:12px 0 4px}.terms h3:first-child{margin-top:0}
.terms p{margin:0 0 8px;max-width:none}
.sigwrap{border:1px dashed #9a8a66;border-radius:8px;background:#f6f1e4;padding:8px;margin:0 0 6px}
#sigpad{width:100%;height:150px;display:block;touch-action:none;background:#fff;border-radius:4px;cursor:crosshair}
.sigline{display:flex;justify-content:space-between;align-items:center;font-size:12px;color:var(--ink-muted);margin:0 0 14px}
.sigline a{font-size:13px}
.secure{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--ink-muted);margin:16px 0 0;line-height:1.5}
.secure svg{flex:0 0 18px;margin-top:2px}
@media(max-width:900px){.appgrid{grid-template-columns:1fr;gap:18px}.partnav{position:static;display:grid;grid-template-columns:repeat(5,1fr);gap:4px}.partnav li{border-left:0;border-top:3px solid var(--line);padding:8px 0 0;font-size:11px}.partnav li::before{display:none}.partnav li.now{border-top-color:var(--gold)}.partnav li.done{border-top-color:var(--ink-muted)}}

.trust{display:grid;grid-template-columns:96px 1fr;gap:18px;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;margin:0 0 18px}
.trust .tphoto{width:96px;height:96px;border-radius:50%;border:2px solid var(--gold);background:var(--raised);overflow:hidden}
.trust .tphoto img{width:100%;height:100%;object-fit:cover}
.trust .tname{font:700 20px/1.2 var(--display);color:var(--ink);margin:0 0 2px}
.trust .trole{font-size:13px;color:var(--gold-bright);margin:0 0 8px}
.trust .tline{font-size:13px;color:var(--ink-muted);margin:0 0 6px}
.trust .tsay{font:400 16px/1.5 var(--display);color:var(--ink-cool);margin:8px 0 10px;font-style:italic}
@media(max-width:600px){.trust{grid-template-columns:64px 1fr}.trust .tphoto{width:64px;height:64px}}
.helpline{display:inline-block;margin-top:12px;font:700 14px var(--ui);color:var(--gold-bright);text-decoration:none;border:1px solid var(--gold);border-radius:10px;padding:10px 14px}

/* brand video */
.hero-video{position:relative;overflow:hidden}
.hero-video .bgvid{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:68% center;opacity:.55;z-index:0}
.hero-video::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,8,15,.96) 0%,rgba(5,8,15,.86) 42%,rgba(5,8,15,.35) 70%,rgba(5,8,15,.6) 100%);z-index:0}
.hero-video .wrap{position:relative;z-index:1}
.hero-video::before{display:none}
@media(max-width:900px){.hero-video .bgvid{object-position:60% 20%;opacity:.4}.hero-video::after{background:linear-gradient(180deg,rgba(5,8,15,.55),rgba(5,8,15,.92) 55%)}}
@media(prefers-reduced-motion:reduce){.hero-video .bgvid{display:none}.hero-video{background:url(/assets/brand-wide-poster.jpg) center/cover}}
.thanks-grid{display:grid;grid-template-columns:260px 1fr;gap:36px;align-items:center}
.sqvid{width:260px;height:260px;border-radius:50%;object-fit:cover;box-shadow:0 10px 40px rgba(0,0,0,.6)}
@media(max-width:800px){.thanks-grid{grid-template-columns:1fr}.sqvid{width:180px;height:180px}}
/* carrier trust */
.carrier{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:0 0 22px}
.carrier .ch{font:700 12px var(--display);letter-spacing:2px;color:var(--gold);margin:0 0 6px}
.carrier .cr{margin:0 0 10px;font-size:14px;color:var(--ink-muted)}.carrier .cr b{color:var(--ink-cool);font-size:15px}
.carrier ul{margin:0;padding:0 0 0 18px;color:var(--ink-body);font-size:15px;line-height:1.5}.carrier li{margin:0 0 4px}
.tier .cf{font-size:13px;color:var(--ink-muted);margin:-4px 0 10px}
.tier details{margin:0 0 10px}.tier summary{cursor:pointer;font-size:13px;color:var(--gold-bright);list-style:none}.tier summary::-webkit-details-marker{display:none}
.tier details ul{margin:8px 0 0;padding:0 0 0 16px;font-size:13.5px;color:var(--ink-body);line-height:1.45}
/* numbered steps (thank-you) */
.steps{counter-reset:s;list-style:none;padding:0;margin:22px 0 0;display:grid;gap:14px;max-width:46em}
.steps li{counter-increment:s;position:relative;padding:2px 0 2px 52px;min-height:40px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;border:2px solid var(--gold);color:var(--gold);display:grid;place-items:center;font:700 16px/1 var(--display)}
.steps b{display:block;color:var(--ink-cool);font:700 18px/1.3 var(--display);margin:0 0 3px}
.steps li span{color:var(--ink-body);font-size:16px}
/* home hero with the brand film: text left, film right, form below */
.hero-film .wrap{grid-template-columns:1fr 1fr;align-items:center}
.hero-film .film{width:100%;aspect-ratio:1/1;max-width:520px;margin:0 auto;border-radius:50%;object-fit:cover;box-shadow:0 20px 60px rgba(0,0,0,.6)}
@media(max-width:900px){.hero-film .film{max-width:280px}}
.formband{background:var(--deep);padding:56px 0}
.formband .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.formband h2{font:700 clamp(28px,3.6vw,44px)/1.1 var(--display);color:var(--ink);margin:0 0 10px}
.formband p{color:var(--ink-body);max-width:34em}
@media(max-width:900px){.formband .wrap{grid-template-columns:1fr;gap:26px}}

.dblock{border-top:1px solid var(--line);padding:14px 0 4px;margin:0 0 6px}
.dblock .dname{font:700 17px/1.3 var(--display);color:var(--ink-cool);margin:0 0 8px}
.dblock label{display:block;font-size:14px;color:var(--ink-label);margin:6px 0 8px}
.dblock .chip{min-height:38px;font-size:14px;padding:6px 12px}
.addr-sug{position:absolute;left:0;right:0;top:100%;z-index:30;background:#fff;color:#000;border:1px solid #9aa8b8;border-radius:0 0 6px 6px;max-height:220px;overflow:auto;box-shadow:0 10px 30px rgba(0,0,0,.4)}
.addr-sug button{display:block;width:100%;text-align:left;background:none;border:0;border-bottom:1px solid #e5e9ef;padding:11px 12px;font:400 15px var(--body);color:#111;cursor:pointer}
.addr-sug button:hover,.addr-sug button:focus{background:#f1e9d2}
.field.rel{position:relative}
.idv{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:0 0 18px;font-size:15px;color:var(--ink-body)}
.idv b{color:var(--ink-cool)}

/* ---- institutional layer: utility bar, carrier strip, paper sections, secure bar ---- */
.util{background:#02040a;border-bottom:1px solid #141a26;font:400 12.5px/1.4 var(--ui);color:var(--ink-muted);letter-spacing:.2px}
.util .wrap{display:flex;justify-content:space-between;gap:16px;min-height:34px;align-items:center}
.util a{color:var(--ink-label);text-decoration:underline;text-underline-offset:2px}
@media(max-width:760px){.util .wrap{justify-content:center}.util span:first-child{display:none}}
.carriers{background:var(--deep);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:28px 0 22px}
.carriers .ch{margin:0 0 14px;font:700 11.5px var(--ui);letter-spacing:2.4px;text-transform:uppercase;color:var(--ink-muted);text-align:center}
.carriers ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 14px}
.carriers li{display:flex;flex-direction:column;align-items:center;gap:3px;padding:10px 18px;border:1px solid var(--line);border-radius:6px;background:var(--navy);min-width:150px}
.carriers li b{font:700 15px/1.2 var(--display);color:var(--ink-cool);letter-spacing:.3px;white-space:nowrap}
.carriers li span{font:400 11.5px var(--ui);color:var(--ink-muted);letter-spacing:.4px}
.carriers .cf{margin:14px auto 0;max-width:62em;text-align:center;font-size:12px;color:#6f7d92;line-height:1.5}
@media(max-width:600px){.carriers li{min-width:calc(50% - 7px);padding:9px 8px}.carriers li b{font-size:13.5px;white-space:normal;text-align:center}}
.section.paper{background:var(--parchment);color:var(--parchment-ink)}
.section.paper h2,.section.paper .dblock .dname,.section.paper .faq summary,.section.paper .agent blockquote,.section.paper dt,.section.paper .defs b{color:#1a1510}
.section.paper p,.section.paper .sub,.section.paper .faq details p,.section.paper dd,.section.paper .defs p,.section.paper .defs span{color:#4a4034}
.section.paper .faq,.section.paper .faq details,.section.paper .defs,.section.paper .defs>*,.section.paper .dblock{border-color:#d9cdb2}
.section.paper .faq summary::after{color:var(--crest-gold)}
.section.paper .agent cite{color:#6a5e4e}
.section.paper .agent .photo{border-color:var(--crest-gold);background:#e6dcc6}
.section.paper .rule{opacity:.75;filter:saturate(1.1) brightness(.75)}
.securebar{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin:0 0 18px;padding:10px 14px;border:1px solid var(--line);border-radius:8px;background:var(--navy);font:400 13px var(--ui);color:var(--ink-label)}
.securebar .lock{width:12px;height:15px;border:2px solid var(--gold);border-radius:3px;position:relative;margin-left:2px}
.securebar .lock::before{content:"";position:absolute;left:1px;top:-8px;width:6px;height:8px;border:2px solid var(--gold);border-bottom:0;border-radius:6px 6px 0 0}
.securebar .pct{flex:1;min-width:120px;height:4px;background:var(--raised);border-radius:2px;overflow:hidden}
.securebar .pct i{display:block;height:100%;width:20%;background:var(--gold);transition:width .4s}
.securebar #apppct{color:var(--ink-muted);white-space:nowrap}
.section.paper .def{border-color:#d9cdb2}.section.paper .def h3{color:#1a1510}.section.paper .def p{color:#4a4034}
.section.paper .medals,.section.paper .medal{border-color:#d9cdb2}
body[data-page="apply"] .mbar .m-quote,body[data-page="thanks"] .mbar .m-quote{display:none}
.foot .grid{grid-template-columns:1.4fr 1fr 1fr 1.3fr}
@media(max-width:900px){.foot .grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot .grid{grid-template-columns:1fr}}

/* ===== institutional light theme (Oct 24): light body, navy header/footer, gold as accent only ===== */
:root{
  --surface:#ffffff; --deep:#f5f2eb; --navy:#eef1f5; --raised:#ffffff; --card:#ffffff;
  --line:#d9dee7; --field:#ffffff;
  --ink:#0b1526; --ink-cool:#0b1526; --ink-label:#243044; --ink-body:#3b475a; --ink-muted:#66738a;
  --gold:#a67b34; --gold-bright:#8a6424; --gold-wash:#a67b3414; --on-gold:#ffffff;
  --err:#b42318;
}
.util,.top,.foot,.close,.mbar{--surface:#05080f;--deep:#080c16;--navy:#0b111e;--raised:#121c2b;--line:#1f2733;--ink:#fff;--ink-cool:#eaf1ff;--ink-label:#c8d0e0;--ink-body:#bdcae0;--ink-muted:#94a3b8;--gold:#d9b25a;--gold-bright:#e9cf86;--on-gold:#080c16}
html{background:#fff}
.top{background:#05080f}.util{background:#02040a}
.hero::before{display:none}
.hero h1{color:var(--ink);letter-spacing:-.3px}
.eyebrow{background:none;border:0;border-radius:0;padding:0;font:700 12px/1.2 var(--ui);letter-spacing:2.2px;text-transform:uppercase;color:var(--gold);margin:0 0 18px}
.btn{background:#0e1a2b;border-color:#0e1a2b;color:#fff;box-shadow:none;border-radius:6px}
.btn:hover{background:#17283f}
.btn.ghost{color:#0e1a2b;border-color:#c5ccd8}
.tier .btn{background:#0e1a2b;color:#fff}
.tier.pick{background:#fbf8f1;border-color:var(--gold)}
.tier.pick .btn{background:var(--gold);border-color:var(--gold);color:#fff}
.quote,#qwiz,.part{box-shadow:0 10px 30px rgba(15,25,45,.08);border:1px solid var(--line)}
.field input,.field select,.part textarea{border:1px solid #c3cbd7;background:#fff}
.field input:focus,.field select:focus,.part textarea:focus{outline:2px solid #0e1a2b;outline-offset:0;border-color:#0e1a2b}
.chip{background:#fff;border-color:#c3cbd7;color:var(--ink-label)}
.chip.on{background:#0e1a2b;border-color:#0e1a2b;color:#fff}
.mbar{background:#06090f;border-top:1px solid #1f2733}
.mbar .m-quote{background:#fff;color:#0b1526}
.carriers{background:#fff}.carriers li{background:#f7f8fa}
.section.paper{background:#f5f2eb}
.wallet .strip{background:#0e1a2b}
.rule svg{opacity:.8}
.partnav li::before{background:#fff}
.securebar{background:#f3f5f8}
.addr-sug button:hover,.addr-sug button:focus{background:#f3f5f8}
.hero-film .film{max-width:380px;box-shadow:0 20px 50px rgba(15,25,45,.25)}
@media(max-width:900px){.hero-film .film{display:none}}
#nl-badge-frame{display:none!important}
@media(max-width:900px){.hero .btn{width:100%!important}}
.helper{border:1px solid var(--line);border-radius:8px;padding:0 16px;margin:4px 0 14px;background:#fbfbfc}
.helper summary{cursor:pointer;font:700 15px/1.4 var(--ui);color:#0e1a2b;padding:13px 0;list-style:none;display:flex;align-items:center}
.helper summary::-webkit-details-marker{display:none}
.helper summary::after{content:"+";margin-left:auto;color:var(--gold);font:400 22px var(--display)}
.helper[open] summary::after{content:"\2212"}
.helper .field{margin:0 0 12px}.helper .field label{font-size:14px}
.helper .hint{margin:4px 0 10px}.helper .btn.ghost{margin:0 0 14px;width:100%}