@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700;800&family=IBM+Plex+Mono:wght@500;600&display=swap');

  :root{
    --paper:#F6F3EC;
    --paper-2:#EFEADD;
    --navy:#14304A;
    --navy-2:#0E2236;
    --ink:#16232E;
    --slate:#5B6B74;
    --gold:#DDA24A;
    --gold-2:#C88936;
    --green:#2F7D5D;
    --green-bg:#E6F1EA;
    --line:#DED7C6;
    --red:#B4432E;
    --radius:14px;
    --shadow:0 20px 40px -20px rgba(20,48,74,.25);
  }

  *{box-sizing:border-box;}
  html,body{margin:0;padding:0;}
  body{
    background:var(--paper);
    color:var(--ink);
    font-family:'Inter',system-ui,sans-serif;
    -webkit-font-smoothing:antialiased;
    line-height:1.5;
  }
  h1,h2,h3{font-family:'Fraunces',serif;font-weight:600;margin:0;color:var(--navy-2);}
  .mono{font-family:'IBM Plex Mono',monospace;}
  a{color:var(--navy);}
  button{font-family:inherit;}
  :focus-visible{outline:3px solid var(--gold);outline-offset:2px;}

  .wrap{max-width:1180px;margin:0 auto;padding:0 24px;}

  /* ---------- HEADER ---------- */
  header{
    position:sticky;top:0;z-index:40;
    background:rgba(246,243,236,.92);
    backdrop-filter:blur(8px);
    border-bottom:1px solid var(--line);
  }
  .header-inner{display:flex;align-items:center;justify-content:space-between;padding:16px 24px;max-width:1180px;margin:0 auto;}
  .logo{display:flex;align-items:center;gap:9px;font-family:'Fraunces',serif;font-weight:700;font-size:1.28rem;color:var(--navy-2);letter-spacing:-.01em;}
  .logo .dot{width:9px;height:9px;border-radius:50%;background:var(--gold);}
  .header-trust{display:flex;align-items:center;gap:8px;font-size:.82rem;color:var(--slate);font-weight:600;}
  .header-trust svg{width:15px;height:15px;flex-shrink:0;color:var(--green);}
  @media (max-width:640px){.header-trust{display:none;}}

  /* ---------- HERO ---------- */
  .hero{padding:56px 0 40px;}
  .hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start;}
  @media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:36px;}}

  .eyebrow{
    display:inline-flex;align-items:center;gap:7px;
    background:var(--green-bg);color:var(--green);
    font-size:.78rem;font-weight:700;letter-spacing:.02em;
    padding:6px 12px;border-radius:100px;margin-bottom:18px;
  }
  .eyebrow .pulse{width:6px;height:6px;border-radius:50%;background:var(--green);animation:pulse 1.8s infinite;}
  @keyframes pulse{0%,100%{opacity:1;}50%{opacity:.35;}}

  .hero h1{font-size:clamp(2.1rem,4vw,3.05rem);line-height:1.08;letter-spacing:-.01em;}
  .hero h1 em{font-style:normal;color:var(--gold-2);}
  .hero p.lede{font-size:1.08rem;color:var(--slate);margin:18px 0 28px;max-width:480px;}

  .trust-points{display:flex;flex-direction:column;gap:14px;margin-bottom:8px;}
  .trust-point{display:flex;gap:12px;align-items:flex-start;}
  .trust-point .ico{
    flex-shrink:0;width:34px;height:34px;border-radius:10px;
    background:var(--navy);display:flex;align-items:center;justify-content:center;
  }
  .trust-point .ico svg{width:17px;height:17px;color:var(--gold);}
  .trust-point strong{display:block;font-size:.93rem;color:var(--navy-2);}
  .trust-point span{font-size:.87rem;color:var(--slate);}

  .hero-disclaimer{margin-top:26px;font-size:.76rem;color:var(--slate);opacity:.85;max-width:460px;line-height:1.55;}

  /* ---------- FORM CARD ---------- */
  .form-card{
    background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);
    border:1px solid var(--line);overflow:visible;
  }
  .form-head{
    background:var(--navy);color:#fff;padding:20px 26px;
    display:flex;align-items:center;justify-content:space-between;gap:12px;border-radius:var(--radius) var(--radius) 0 0;
  }
  .form-head h2{color:#fff;font-size:1.15rem;}
  .steps-dots{font-size:.78rem;color:rgba(255,255,255,.72);font-weight:700;white-space:nowrap;}

  .form-body{padding:26px;}
  .field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
  @media (max-width:480px){.field-row{grid-template-columns:1fr;}}

  .field{margin-bottom:16px;}
  .field label{display:block;font-size:.82rem;font-weight:600;color:var(--navy-2);margin-bottom:6px;}
  .field input, .field select{
    width:100%;padding:12px 13px;border:1.5px solid var(--line);border-radius:9px;
    font-size:.95rem;font-family:inherit;background:var(--paper);color:var(--ink);
    transition:border-color .15s, background .15s;
  }
  .field input:focus, .field select:focus{border-color:var(--navy);background:#fff;outline:none;}
  .field input.err, .field select.err{border-color:var(--red);}
  .field .errmsg{display:none;color:var(--red);font-size:.76rem;margin-top:5px;font-weight:600;}
  .field.has-error .errmsg{display:block;}
  .step-question{font-family:'Fraunces',serif;color:var(--navy-2);font-size:1.35rem;line-height:1.2;margin:0 0 18px;}
  .security-note{background:var(--green-bg);border:1px solid #c9e3d2;border-radius:9px;color:var(--green);font-size:.82rem;line-height:1.45;padding:11px 12px;margin:-4px 0 18px;}
  .security-note strong{font-weight:800;}
  .hint{color:var(--slate);font-size:.78rem;margin:-7px 0 15px;}
  .bank-guide{margin:2px 0 18px;padding:14px;border:1px solid #c9e3d2;border-radius:12px;background:linear-gradient(135deg,#f8fffb,#f5f7ff);}
  .bank-guide h4{margin:0 0 6px;color:var(--navy-2);font-size:.9rem;}
  .bank-guide p{margin:0 0 10px;color:var(--slate);font-size:.78rem;line-height:1.45;}
  .bank-guide svg{display:block;width:100%;height:auto;border-radius:8px;}
  .date-picker{position:relative;}
  .date-picker-input{padding-right:48px!important;cursor:pointer;}
  .date-picker-toggle{position:absolute;right:7px;top:7px;width:34px;height:34px;border:0;border-radius:7px;background:transparent;color:var(--navy);cursor:pointer;display:flex;align-items:center;justify-content:center;}
  .date-picker-toggle:hover{background:var(--paper-2);}
  .date-picker-toggle svg{width:18px;height:18px;}
  .calendar-popover{position:absolute;left:0;right:0;top:calc(100% + 8px);z-index:70;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 16px 30px -16px rgba(20,48,74,.45);padding:12px;min-width:280px;}
  .calendar-popover[hidden]{display:none;}
  .calendar-toolbar{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-bottom:10px;}
  .calendar-toolbar strong{font-size:.88rem;color:var(--navy-2);}
  .calendar-toolbar select{border:1px solid var(--line);border-radius:7px;background:var(--paper);color:var(--navy-2);font:600 .78rem Inter,system-ui,sans-serif;padding:7px 8px;cursor:pointer;}
  .calendar-toolbar .calendar-month-select{flex:1;min-width:0;}
  .calendar-toolbar .calendar-year-select{width:88px;}
  .calendar-nav{border:1px solid var(--line);background:var(--paper);border-radius:7px;width:30px;height:30px;color:var(--navy);font-size:1.1rem;line-height:1;cursor:pointer;}
  .calendar-nav:disabled{opacity:.35;cursor:not-allowed;}
  .calendar-weekdays,.calendar-days{display:grid;grid-template-columns:repeat(7,1fr);gap:3px;text-align:center;}
  .calendar-weekdays{margin-bottom:4px;}
  .calendar-weekdays span{font-size:.66rem;font-weight:700;color:var(--slate);padding:3px 0;}
  .calendar-day{border:0;background:transparent;border-radius:7px;color:var(--ink);font:inherit;font-size:.78rem;padding:7px 0;cursor:pointer;}
  .calendar-day:hover{background:var(--paper-2);}
  .calendar-day.muted{color:#a7afb2;}
  .calendar-day.today{box-shadow:inset 0 0 0 1px var(--gold-2);}
  .calendar-day.selected{background:var(--navy);color:#fff;}
  .calendar-day:disabled{color:#c8c8c8;cursor:not-allowed;background:transparent;}

  /* amount picker — signature element */
  .amount-display{
    text-align:center;background:var(--navy);border-radius:12px;padding:22px 16px 18px;margin-bottom:18px;
    position:relative;overflow:hidden;
  }
  .amount-display .label{color:rgba(255,255,255,.6);font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;font-weight:700;}
  .amount-display .figure{color:#fff;font-size:2.6rem;font-weight:600;margin-top:4px;letter-spacing:-.01em;}
  .amount-display .figure .cents{font-size:1.3rem;opacity:.55;}
  .meter{height:6px;background:rgba(255,255,255,.15);border-radius:4px;margin-top:14px;overflow:hidden;}
  .meter-fill{height:100%;background:linear-gradient(90deg,var(--gold-2),var(--gold));border-radius:4px;transition:width .3s ease;}

  .chip-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;margin-bottom:8px;}
  @media (max-width:480px){.chip-grid{grid-template-columns:repeat(4,1fr);}}
  .chip{
    border:1.5px solid var(--line);background:var(--paper);border-radius:9px;
    padding:10px 4px;text-align:center;font-family:'IBM Plex Mono',monospace;font-size:.82rem;font-weight:600;
    cursor:pointer;color:var(--navy-2);transition:.15s;
  }
  .chip:hover{border-color:var(--gold);}
  .chip.selected{background:var(--navy);border-color:var(--navy);color:#fff;}
  .choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;margin-bottom:10px;}
  .choice-option{border:1.5px solid var(--line);background:var(--paper);border-radius:9px;padding:12px 8px;text-align:center;font-family:inherit;font-size:.9rem;font-weight:600;cursor:pointer;color:var(--navy-2);transition:.15s;}
  .choice-option:hover{border-color:var(--gold);}
  .choice-option.selected{background:var(--navy);border-color:var(--navy);color:#fff;}
  .other-response{display:none;margin-top:10px;}
  .other-response.visible{display:block;}
  .other-continue{display:none;}
  .other-continue.visible{display:block;}

  .checkline{display:flex;gap:10px;align-items:flex-start;margin-bottom:14px;}
  .checkline input{margin-top:3px;flex-shrink:0;width:16px;height:16px;accent-color:var(--navy);}
  .checkline label{font-size:.8rem;color:var(--slate);line-height:1.5;}
  .checkline a{text-decoration:underline;}
  .checkline.has-error label{color:var(--red);}

  .btn{
    width:100%;padding:14px 18px;border-radius:9px;border:none;font-weight:700;font-size:.98rem;
    cursor:pointer;transition:.15s;
  }
  .btn-primary{background:var(--gold-2);color:#fff;}
  .btn-primary:hover{background:#B67B2C;}
  .btn-ghost{background:transparent;color:var(--slate);border:1.5px solid var(--line);margin-top:10px;}
  .btn-ghost:hover{border-color:var(--navy);color:var(--navy);}
  .btn:disabled{opacity:.55;cursor:not-allowed;}

  .form-foot-note{text-align:center;font-size:.74rem;color:var(--slate);margin-top:14px;display:flex;align-items:center;justify-content:center;gap:6px;}
  .form-foot-note svg{width:13px;height:13px;color:var(--green);}

  .step{display:none;}
  .step.active{display:block;animation:fadeIn .25s ease;}
  @keyframes fadeIn{from{opacity:0;transform:translateY(6px);}to{opacity:1;transform:translateY(0);}}

  /* success */
  .success{text-align:center;padding:12px 6px 4px;}
  .success .check{
    width:56px;height:56px;border-radius:50%;background:var(--green-bg);color:var(--green);
    display:flex;align-items:center;justify-content:center;margin:0 auto 16px;
  }
  .success .check svg{width:28px;height:28px;}
  .success h2{color:var(--navy-2);font-size:1.25rem;margin-bottom:8px;}
  .success p{color:var(--slate);font-size:.92rem;margin:0 0 4px;}
  .success .lead-id{margin-top:14px;font-size:.76rem;color:var(--slate);font-family:'IBM Plex Mono',monospace;}

  /* ---------- HOW IT WORKS ---------- */
  .how{padding:20px 0 64px;}
  .how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px;}
  @media (max-width:800px){.how-grid{grid-template-columns:1fr;}}
  .how-card{background:var(--paper-2);border-radius:var(--radius);padding:26px 22px;border:1px solid var(--line);}
  .how-num{font-family:'IBM Plex Mono',monospace;font-size:.8rem;font-weight:600;color:var(--gold-2);letter-spacing:.04em;}
  .how-card h3{font-size:1.08rem;margin:10px 0 8px;color:var(--navy-2);}
  .how-card p{font-size:.9rem;color:var(--slate);margin:0;}
  .how-head{text-align:center;max-width:560px;margin:0 auto;}
  .how-head p{color:var(--slate);margin-top:10px;}

  /* ---------- STRIP ---------- */
  .strip{background:var(--navy);padding:34px 0;}
  .strip-grid{display:flex;justify-content:space-between;flex-wrap:wrap;gap:22px;}
  .strip-item{display:flex;gap:12px;align-items:center;color:#fff;flex:1;min-width:220px;}
  .strip-item svg{width:22px;height:22px;color:var(--gold);flex-shrink:0;}
  .strip-item strong{display:block;font-size:.92rem;}
  .strip-item span{font-size:.8rem;color:rgba(255,255,255,.6);}

  /* ---------- FOOTER ---------- */
  footer{background:var(--paper-2);padding:44px 0 30px;border-top:1px solid var(--line);}
  .footer-links{display:flex;gap:22px;flex-wrap:wrap;font-size:.83rem;font-weight:600;margin-bottom:22px;}
  .disclosure{font-size:.72rem;color:var(--slate);line-height:1.7;margin-bottom:14px;}
  .disclosure strong{color:var(--navy-2);}
  .copyright{font-size:.75rem;color:var(--slate);margin-top:18px;}

  /* ---------- ADMIN (only reachable via #admin) ---------- */
  #admin-panel{display:none;padding:40px 0;}
  #admin-panel.active{display:block;}
  #admin-panel table{width:100%;border-collapse:collapse;background:#fff;border-radius:10px;overflow:hidden;box-shadow:var(--shadow);}
  #admin-panel th,#admin-panel td{padding:10px 12px;font-size:.82rem;text-align:left;border-bottom:1px solid var(--line);}
  #admin-panel th{background:var(--navy);color:#fff;font-weight:600;}
  main.hidden{display:none;}