:root {
  --navy: #082f52;
  --navy-deep: #05243f;
  --blue: #17a7dc;
  --teal: #158c84;
  --gold: #f3c344;
  --cream: #fbf8f1;
  --ink: #142337;
  --muted: #627087;
  --line: rgba(8, 47, 82, 0.13);
  --white: #fff;
  font-family: "Segoe UI Variable", "Aptos", "Trebuchet MS", sans-serif;
  color: var(--ink);
  scroll-behavior: smooth;
  scroll-padding-top: 92px;
}

* { box-sizing: border-box; }

body {
  min-height: 100vh;
  margin: 0;
  background:
    radial-gradient(circle at 7% 8%, rgba(23, 167, 220, 0.14), transparent 29rem),
    radial-gradient(circle at 92% 38%, rgba(243, 195, 68, 0.14), transparent 26rem),
    #edf3f4;
}

a { color: inherit; }
button, input, select { font: inherit; }

.site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  border-bottom: 1px solid rgba(8, 47, 82, 0.1);
  background: rgba(244, 248, 248, 0.88);
  backdrop-filter: blur(18px);
}

.header-inner,
.footer-inner,
.section,
.access-strip,
.soft-invite {
  width: min(1180px, calc(100% - 32px));
  margin-inline: auto;
}

.header-inner {
  display: flex;
  min-height: 76px;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  text-decoration: none;
}

.brand img { width: 48px; height: 48px; object-fit: contain; }
.brand span { display: grid; }
.brand strong { font-size: 1.05rem; letter-spacing: 0.02em; }
.brand small { color: var(--muted); font-size: 0.67rem; font-weight: 650; }

.site-nav {
  display: flex;
  align-items: center;
  gap: 6px;
}

.site-nav a {
  padding: 10px 12px;
  border-radius: 11px;
  color: #38506b;
  font-size: 0.84rem;
  font-weight: 750;
  text-decoration: none;
}

.site-nav a:hover { color: var(--navy); background: rgba(8, 47, 82, 0.06); }
.site-nav .nav-signup { margin-left: 5px; color: var(--white); background: var(--teal); }
.site-nav .nav-signup:hover { color: var(--white); background: #117a73; }

.section { padding: 96px 0; }
.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(360px, 0.72fr);
  min-height: calc(100vh - 76px);
  align-items: center;
  gap: clamp(36px, 7vw, 88px);
}

.eyebrow {
  margin: 0 0 11px;
  color: var(--teal);
  font-size: 0.75rem;
  font-weight: 900;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1, h2, h3 { color: var(--navy); }
h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(3.25rem, 7vw, 6.6rem);
  line-height: 0.93;
  letter-spacing: -0.06em;
}

h2 {
  margin: 0;
  font-size: clamp(2.2rem, 5vw, 4.3rem);
  line-height: 1;
  letter-spacing: -0.045em;
}

h3 {
  margin: 0;
  font-size: clamp(1.45rem, 3vw, 2.25rem);
  line-height: 1.08;
  letter-spacing: -0.025em;
}

.hero-lede {
  max-width: 680px;
  margin: 24px 0;
  color: var(--muted);
  font-size: clamp(1.05rem, 2vw, 1.22rem);
  line-height: 1.65;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.primary-action,
.secondary-action,
.soft-invite > a {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 12px 18px;
  border-radius: 13px;
  font-weight: 850;
  text-decoration: none;
}

.primary-action { color: white; background: linear-gradient(100deg, var(--teal), #1578a6); box-shadow: 0 14px 32px rgba(21, 140, 132, 0.22); }
.secondary-action { border: 1px solid var(--line); color: var(--navy); background: rgba(255, 255, 255, 0.72); }
.open-note { display: flex; gap: 8px; align-items: center; margin: 18px 0 0; color: var(--muted); font-size: 0.82rem; }
.open-note span { color: var(--teal); font-weight: 900; }

.hero-panel {
  padding: clamp(22px, 4vw, 34px);
  border: 1px solid rgba(255, 255, 255, 0.78);
  border-radius: 28px;
  color: white;
  background: linear-gradient(145deg, var(--navy-deep), #0a4b73);
  box-shadow: 0 30px 80px rgba(8, 47, 82, 0.22);
}

.panel-topline { display: flex; justify-content: space-between; gap: 14px; align-items: center; font-size: 0.82rem; font-weight: 800; }
.open-pill { padding: 7px 10px; border-radius: 999px; color: #b9fff5; background: rgba(115, 231, 216, 0.13); font-size: 0.68rem; }
.path-list { display: grid; gap: 10px; margin: 28px 0 0; padding: 0; list-style: none; }
.path-list li { display: flex; gap: 14px; align-items: center; padding: 16px; border: 1px solid rgba(255, 255, 255, 0.1); border-radius: 16px; background: rgba(255, 255, 255, 0.06); }
.path-list li > span { display: grid; flex: 0 0 38px; width: 38px; height: 38px; place-items: center; border-radius: 12px; color: var(--navy); background: var(--gold); font-size: 0.72rem; font-weight: 900; }
.path-list li div { display: grid; gap: 4px; }
.path-list small { color: rgba(255, 255, 255, 0.68); line-height: 1.4; }

.access-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.68);
}

.access-strip div { display: grid; gap: 4px; padding: 21px 24px; }
.access-strip div + div { border-left: 1px solid var(--line); }
.access-strip strong { color: var(--navy); }
.access-strip span { color: var(--muted); font-size: 0.82rem; }

.section-heading {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 0.58fr);
  align-items: end;
  gap: 36px;
  margin-bottom: 34px;
}

.section-heading > p { margin: 0; color: var(--muted); line-height: 1.65; }

.rate-explorer {
  padding: clamp(24px, 5vw, 44px);
  border: 1px solid rgba(8, 47, 82, 0.12);
  border-radius: 28px;
  background: rgba(251, 248, 241, 0.9);
  box-shadow: 0 24px 70px rgba(8, 47, 82, 0.1);
}

.rate-explorer-head { display: flex; justify-content: space-between; gap: 22px; align-items: start; }
.rate-explorer-head .eyebrow { margin-bottom: 7px; }
.tool-number { display: inline-grid; width: 38px; height: 38px; margin-bottom: 18px; place-items: center; border-radius: 12px; color: var(--navy); background: #d9f1f6; font-size: 0.74rem; font-weight: 900; }
.education-pill { flex: 0 0 auto; padding: 8px 11px; border-radius: 999px; color: var(--teal); background: rgba(21, 140, 132, 0.1); font-size: 0.71rem; font-weight: 850; }
.rate-explorer-intro { max-width: 760px; margin: 16px 0 22px; color: var(--muted); line-height: 1.6; }
.rate-input-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 12px; }
.input-suffix { position: relative; }
.input-suffix input { padding-right: 34px; }
.input-suffix > span { position: absolute; top: 50%; right: 13px; color: var(--muted); transform: translateY(-50%); }
.rate-movement-results { display: grid; grid-template-columns: repeat(3, 1fr); gap: 11px; margin: 16px 0 12px; }
.rate-movement-results > p { grid-column: 1 / -1; margin: 0; padding: 17px; border: 1px dashed var(--line); border-radius: 14px; color: var(--muted); text-align: center; }
.rate-scenario { display: grid; gap: 5px; padding: 16px; border: 1px solid var(--line); border-radius: 15px; background: rgba(255, 255, 255, 0.86); }
.rate-scenario.is-lower { border-color: rgba(21, 140, 132, 0.3); background: rgba(226, 246, 240, 0.82); }
.rate-scenario.is-higher { border-color: rgba(157, 58, 45, 0.2); }
.rate-scenario small { color: var(--muted); }
.rate-scenario strong { color: var(--navy); font-size: 1.18rem; }
.rate-scenario em { color: var(--muted); font-size: 0.73rem; font-style: normal; }
.rate-disclosure { display: block; color: var(--muted); font-size: 0.69rem; line-height: 1.48; }

label { display: grid; gap: 7px; color: var(--navy); font-size: 0.83rem; font-weight: 750; }
input, select, button { width: 100%; min-height: 50px; padding: 12px 14px; border-radius: 12px; font-size: 16px; }
input, select { border: 1px solid var(--line); color: var(--ink); background: rgba(255, 255, 255, 0.9); }
input:focus, select:focus { outline: 3px solid rgba(23, 167, 220, 0.15); border-color: var(--blue); }

.soft-invite {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 25px 28px;
  border: 1px solid rgba(21, 140, 132, 0.18);
  border-radius: 22px;
  background: #e2f3ef;
}

.soft-invite div { display: grid; gap: 5px; }
.soft-invite .eyebrow { margin: 0; }
.soft-invite strong { color: var(--navy); font-size: 1.12rem; }
.soft-invite span { color: #506d72; }
.soft-invite > a { flex: 0 0 auto; color: white; background: var(--teal); }

.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 15px; }
.guide-card { display: flex; flex-direction: column; padding: 15px 15px 20px; border: 1px solid var(--line); border-radius: 22px; background: rgba(255, 255, 255, 0.78); }
.guide-art { display: grid; min-height: 150px; place-items: center; align-content: center; gap: 10px; border-radius: 15px; color: white; background: linear-gradient(135deg, var(--navy-deep), #12618c); }
.guide-art > span { display: grid; width: 48px; height: 48px; place-items: center; border: 1px solid rgba(255, 255, 255, 0.3); border-radius: 50%; background: rgba(255, 255, 255, 0.12); }
.guide-art small { color: rgba(255, 255, 255, 0.75); font-weight: 700; }
.guide-art-gold { color: var(--navy); background: linear-gradient(135deg, #f6cb56, #f4e1a3); }
.guide-art-gold small { color: rgba(8, 47, 82, 0.7); }
.guide-art-teal { background: linear-gradient(135deg, #0e706b, #35ada4); }
.guide-kicker { margin: 20px 0 7px; color: var(--teal); font-size: 0.72rem; font-weight: 900; letter-spacing: 0.1em; text-transform: uppercase; }
.guide-card h3 { font-size: 1.42rem; }
.guide-card > p:not(.guide-kicker) { color: var(--muted); line-height: 1.55; }
.guide-card details { margin-top: auto; padding-top: 8px; color: var(--muted); font-size: 0.86rem; line-height: 1.55; }
.guide-card summary { color: var(--teal); font-weight: 800; cursor: pointer; }

.signup-section {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(420px, 0.72fr);
  align-items: start;
  gap: clamp(36px, 8vw, 100px);
}

.signup-intro { position: sticky; top: 118px; }
.signup-intro > p:not(.eyebrow) { max-width: 580px; color: var(--muted); font-size: 1.04rem; line-height: 1.65; }
.signup-intro ul { display: flex; flex-wrap: wrap; gap: 8px; margin: 24px 0 0; padding: 0; list-style: none; }
.signup-intro li { padding: 8px 11px; border: 1px solid var(--line); border-radius: 999px; color: var(--teal); background: rgba(255, 255, 255, 0.72); font-size: 0.75rem; font-weight: 800; }

.signup-card {
  padding: clamp(24px, 4vw, 40px);
  border: 1px solid rgba(255, 255, 255, 0.86);
  border-radius: 28px;
  background: rgba(251, 248, 241, 0.94);
  box-shadow: 0 28px 80px rgba(8, 47, 82, 0.16);
}

.signup-card .eyebrow { margin-top: 0; }
.form-intro { margin: 10px 0 24px; color: var(--muted); line-height: 1.5; }
form { display: grid; gap: 14px; }
.name-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.check-row { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; color: var(--muted); font-size: 0.76rem; font-weight: 500; line-height: 1.42; }
.check-row input { width: 18px; min-height: 18px; margin: 2px 0 0; accent-color: var(--teal); }
.offer-code { padding: 2px 0; }
.offer-code summary { width: fit-content; color: var(--teal); font-size: 0.82rem; font-weight: 800; cursor: pointer; }
.offer-code[open] summary { margin-bottom: 10px; }
button { border: 0; color: white; background: linear-gradient(100deg, var(--teal), #1578a6); font-weight: 850; cursor: pointer; box-shadow: 0 12px 28px rgba(21, 140, 132, 0.2); }
button:hover { transform: translateY(-1px); }
button:disabled { cursor: wait; opacity: 0.65; transform: none; }
.form-error { min-height: 1.2em; margin: 0; color: #9d3a2d; font-size: 0.82rem; }
.privacy-note { margin: 16px 0 0; color: var(--muted); font-size: 0.72rem; line-height: 1.45; }
.website-trap { position: absolute; left: -10000px; width: 1px; height: 1px; opacity: 0; }
.signup-success { padding: 28px 0; text-align: center; }
.success-mark { display: grid; width: 66px; height: 66px; margin: 0 auto 18px; place-items: center; border-radius: 50%; color: white; background: var(--teal); font-size: 2rem; font-weight: 900; }
.signup-success p:not(.eyebrow) { color: var(--muted); line-height: 1.6; }
.success-next { display: grid; gap: 7px; margin-top: 24px; padding: 18px; border-radius: 14px; color: var(--navy); background: white; text-align: left; }
.success-next small { color: var(--teal); font-weight: 900; text-transform: uppercase; letter-spacing: 0.08em; }

footer { padding: 30px 0; border-top: 1px solid var(--line); background: rgba(255, 255, 255, 0.52); }
.footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.footer-brand img { width: 40px; height: 40px; }
.footer-inner > p { margin: 0; color: var(--muted); font-size: 0.72rem; text-align: right; }

@media (max-width: 900px) {
  .site-header { position: relative; }
  .header-inner { display: grid; padding: 12px 0; }
  .site-nav { width: 100%; overflow-x: auto; padding-bottom: 2px; }
  .site-nav a { flex: 0 0 auto; }
  .site-nav .nav-signup { margin-left: 0; }
  .hero, .signup-section { grid-template-columns: 1fr; min-height: auto; }
  .hero { padding-top: 70px; }
  .signup-intro { position: static; }
  .section-heading { grid-template-columns: 1fr; align-items: start; gap: 16px; }
  .guide-grid { grid-template-columns: 1fr; }
  .guide-card { display: grid; grid-template-columns: 190px 1fr; column-gap: 20px; }
  .guide-art { grid-row: 1 / span 5; min-height: 100%; }
  .guide-kicker { margin-top: 4px; }
}

@media (max-width: 620px) {
  :root { scroll-padding-top: 18px; }
  .section { padding: 68px 0; }
  .brand small { display: none; }
  .site-nav a { padding: 9px 10px; font-size: 0.79rem; }
  .hero { padding-top: 54px; }
  h1 { font-size: clamp(3rem, 17vw, 4.8rem); }
  .access-strip { grid-template-columns: 1fr; }
  .access-strip div + div { border-top: 1px solid var(--line); border-left: 0; }
  .rate-explorer-head, .soft-invite, .footer-inner { display: grid; }
  .rate-input-grid, .rate-movement-results, .name-grid { grid-template-columns: 1fr; }
  .education-pill { width: fit-content; }
  .soft-invite > a { width: 100%; }
  .guide-card { display: flex; }
  .guide-art { min-height: 140px; }
  .signup-section { grid-template-columns: minmax(0, 1fr); }
  .footer-inner > p { text-align: left; }
}