:root {
    --navy: #0F172A;
    --navy-2: #16213A;
    --sapphire: #1D4ED8;
    --sapphire-dark: #1E3A8A;
    --sky: #38BDF8;
    --sky-dim: #0284C7;
    --silver: #CBD5E1;
    --paper: #F4F6F9;
    --paper-2: #E7ECF3;
    --line: #D9E0EA;
    --ok: #38BDF8;
    --ink: #0F172A;
    --ink-soft: #56607A;
    --bg: var(--paper);
    --surface: #ffffff;
    --border: var(--line);
  }
  @media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
      --bg: #0B111F;
      --surface: #16213A;
      --border: #253352;
      --ink: #EAF0FA;
      --ink-soft: #97A3BF;
      --paper-2: #121A2E;
    }
  }
  :root[data-theme="dark"] {
    --bg: #0B111F;
    --surface: #16213A;
    --border: #253352;
    --ink: #EAF0FA;
    --ink-soft: #97A3BF;
    --paper-2: #121A2E;
  }

  * { box-sizing: border-box; margin: 0; padding: 0; }
  body {
    background: var(--bg);
    color: var(--ink);
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    line-height: 1.5;
  }
  .wrap { max-width: 1040px; margin: 0 auto; padding: 0 28px; }

  /* HERO */
  .hero {
    background: var(--navy);
    color: #fff;
    padding: 48px 0 56px;
    position: relative;
    overflow: hidden;
  }
  .hero::after {
    content: "";
    position: absolute; left: 0; right: 0; bottom: 0; height: 3px;
    background: linear-gradient(90deg, var(--sapphire), var(--sky));
  }
  .hero .wrap { text-align: center; }
  .logo-mark { max-width: 380px; width: 100%; height: auto; display: block; margin: 0 auto 4px; }
  .wordmark { max-width: 460px; width: 100%; height: auto; display: block; margin: 0 auto 26px; }
  .hero h1 {
    font-size: clamp(30px, 5vw, 46px); font-weight: 800; line-height: 1.12; max-width: 720px;
    margin: 0 auto;
    font-family: Arial Narrow, "Segoe UI Semibold", sans-serif; letter-spacing: 0.01em;
  }
  .hero p.lede {
    margin: 18px auto 0; font-size: 18px; color: var(--silver); max-width: 560px; line-height: 1.55;
  }
  .hero-ctas { margin-top: 32px; display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }
  .hero-phone { margin-top: 18px; font-size: 14px; color: var(--silver); }
  .hero-phone a { color: #fff; font-weight: 700; text-decoration: none; }
  .hero-phone a:hover { color: var(--sky); }
  .btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 13px 24px; border-radius: 7px; font-weight: 700; font-size: 14.5px;
    text-decoration: none; cursor: pointer; border: none; font-family: inherit;
    text-transform: uppercase; letter-spacing: 0.03em;
  }
  .btn-primary { background: var(--sapphire); color: #fff; }
  .btn-primary:hover { background: #2451EE; }
  .btn-ghost { background: transparent; color: #fff; border: 1.5px solid #33436B; }
  .btn-ghost:hover { border-color: var(--sky); color: var(--sky); }
  .btn-outline { background: transparent; color: var(--sapphire); border: 1.5px solid var(--sapphire); }
  .btn-outline:hover { background: var(--paper-2); }

  .trust-strip {
    background: var(--navy-2); border-top: 1px solid #253352;
    padding: 18px 0;
  }
  .trust-row {
    display: flex; gap: 32px; flex-wrap: wrap; justify-content: center;
    font-size: 13px; color: var(--silver); font-weight: 700; text-transform: uppercase; letter-spacing: 0.03em;
  }
  .trust-row span::before { content: "✓ "; color: var(--sky); }
  .trust-note {
    text-align: center; font-size: 12.5px; color: var(--silver); font-weight: 400;
    text-transform: none; letter-spacing: normal; margin-top: 10px;
  }

  /* SECTIONS */
  section { padding: 56px 0; }
  .section-title { font-size: 26px; font-weight: 800; margin-bottom: 10px; }
  .section-lede { color: var(--ink-soft); font-size: 15.5px; max-width: 620px; margin-bottom: 34px; line-height: 1.55; }

  .how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
  .how-card {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 10px; padding: 24px;
  }
  .how-num {
    width: 34px; height: 34px; border-radius: 8px; background: var(--navy); color: var(--sky);
    display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 15px; margin-bottom: 14px;
  }
  .how-card h3 { font-size: 16.5px; margin-bottom: 8px; }
  .how-card p { color: var(--ink-soft); font-size: 14px; line-height: 1.55; }

  /* PRICING */
  .pricing-section { background: var(--paper-2); }
  .pricing-grid { display: flex; justify-content: center; }
  .price-card {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 10px; padding: 28px;
    max-width: 420px; width: 100%;
  }
  .price-card.featured { border-color: var(--sapphire); border-width: 2px; position: relative; }
  .price-tag { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; color: var(--sapphire); margin-bottom: 8px; }
  .price-num { font-size: 34px; font-weight: 800; font-family: Arial Narrow, sans-serif; margin-bottom: 6px;
    background: linear-gradient(90deg, var(--sapphire), var(--sky)); -webkit-background-clip: text; background-clip: text; color: transparent; }
  .price-card p { color: var(--ink-soft); font-size: 14px; margin-bottom: 16px; }
  .price-list { list-style: none; }
  .price-list li { font-size: 14px; padding: 6px 0; color: var(--ink); }
  .price-list li::before { content: "✓  "; color: var(--sky-dim); font-weight: 800; }
  .price-note { font-size: 13px; }
  .price-note strong { color: var(--ink); }
  .price-link { display: inline-block; margin-top: 4px; font-size: 14px; font-weight: 700; color: var(--sapphire); }
  .price-link:hover { color: var(--sky-dim); }

  /* CALCULATOR */
  .calc-box {
    background: var(--navy); color: #fff; border-radius: 12px; padding: 32px;
    display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: center;
  }
  .calc-inputs label {
    display: block; font-size: 11px; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 700;
    color: var(--silver); margin: 14px 0 6px;
  }
  .calc-inputs label:first-child { margin-top: 0; }
  .calc-inputs input {
    width: 100%; padding: 11px 13px; border-radius: 6px; border: 1.5px solid #2A3B60;
    background: var(--navy-2); color: #fff; font-size: 15px; font-family: inherit; outline: none;
  }
  .calc-inputs input:focus { border-color: var(--sky); }
  .calc-result { text-align: center; }
  .calc-result .label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--silver); font-weight: 700; margin-bottom: 8px; }
  .calc-result .value { font-size: 44px; font-weight: 800; color: var(--sky); font-family: Arial Narrow, sans-serif; }
  .calc-result .sub { font-size: 13px; color: var(--silver); margin-top: 6px; }
  .calc-secondary-cta {
    margin-top: 22px; padding-top: 22px; border-top: 1px solid #253352;
    display: flex; flex-direction: column; align-items: center; gap: 10px;
  }
  .calc-secondary-cta span { font-size: 14px; color: var(--silver); font-weight: 600; }

  /* FAQ */
  .faq-list { display: grid; gap: 12px; max-width: 760px; }
  .faq-item {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 10px; padding: 18px 22px;
  }
  .faq-item summary {
    cursor: pointer; font-weight: 700; font-size: 15.5px; list-style: none;
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary::after { content: "+"; float: right; color: var(--sapphire); font-weight: 800; font-size: 18px; }
  .faq-item[open] summary::after { content: "\2212"; }
  .faq-item p { color: var(--ink-soft); font-size: 14.5px; line-height: 1.55; margin-top: 12px; }

  /* CONTACT */
  .contact-section { background: var(--paper-2); }
  .contact-box {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 12px; padding: 36px;
    max-width: 620px; margin: 0 auto; text-align: center;
  }
  .contact-box h2 { font-size: 24px; margin-bottom: 10px; }
  .contact-box p { color: var(--ink-soft); margin-bottom: 24px; }
  .contact-box .contact-phone { font-weight: 700; margin-bottom: 20px; }
  .contact-box .contact-phone a { color: var(--sapphire); text-decoration: none; }
  .contact-box .contact-phone a:hover { color: var(--sky-dim); }
  .contact-form { display: grid; gap: 12px; text-align: left; }
  .contact-form label {
    font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-soft);
  }
  .contact-form input, .contact-form select, .contact-form textarea {
    width: 100%; padding: 10px 12px; border-radius: 6px; border: 1.5px solid var(--border);
    background: var(--surface); color: var(--ink); font-size: 14.5px; font-family: inherit; outline: none;
  }
  .contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { border-color: var(--sapphire); }
  .contact-form button { margin-top: 8px; }
  .form-next-note { font-size: 12.5px; color: var(--ink-soft); line-height: 1.5; margin-top: 2px; }
  .form-consent-note { font-size: 12.5px; color: var(--ink-soft); line-height: 1.5; margin-top: 2px; }

  .consent-field { margin: 2px 0; }
  .contact-form label.consent-label {
    display: flex; align-items: flex-start; gap: 10px; cursor: pointer;
    font-size: 12.5px; font-weight: 400; text-transform: none; letter-spacing: normal; color: var(--ink-soft); line-height: 1.5;
  }
  .consent-label input[type="checkbox"] { width: auto; flex-shrink: 0; margin-top: 3px; }
  .consent-label a { color: var(--sapphire); }
  .consent-label a:hover { color: var(--sky-dim); }

  .contact-form fieldset.equip-fieldset { border: none; margin: 0; padding: 0; }
  .contact-form legend {
    font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-soft);
    padding: 0; margin-bottom: 8px; width: 100%;
  }
  .equip-grid {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 4px 14px;
  }
  .contact-form label.equip-check {
    display: flex; align-items: flex-start; gap: 8px; cursor: pointer; border-radius: 6px;
    font-size: 13.5px; font-weight: 400; text-transform: none; letter-spacing: normal; color: var(--ink); line-height: 1.4;
    padding: 8px 6px;
  }
  .equip-check input[type="checkbox"] { width: auto; flex-shrink: 0; margin-top: 2px; }
  .equip-check:hover { background: var(--paper-2); }
  .equip-check:focus-within { outline: 2px solid var(--sapphire); outline-offset: 1px; }

  /* LEGAL PAGES */
  .legal-header { background: var(--navy); padding: 20px 0; }
  .legal-header a { color: #fff; font-weight: 800; font-size: 14.5px; text-decoration: none; }
  .legal-header a:hover { color: var(--sky); }
  .legal-section { padding: 48px 0; }
  .legal-content { max-width: 720px; margin: 0 auto; }
  .legal-content h1 { font-size: 28px; font-weight: 800; margin-bottom: 14px; }
  .legal-content h2 { font-size: 18px; font-weight: 800; margin: 28px 0 10px; color: var(--ink); }
  .legal-content p { margin-bottom: 14px; color: var(--ink); line-height: 1.6; font-size: 15px; }
  .legal-content ul { margin: 0 0 14px 20px; }
  .legal-content li { margin-bottom: 8px; line-height: 1.6; font-size: 15px; color: var(--ink); }
  .legal-content a:not(.btn) { color: var(--sapphire); }
  .legal-content a:not(.btn):hover { color: var(--sky-dim); }
  .legal-content .legal-meta { color: var(--ink-soft); font-size: 14px; }
  .legal-back { margin-top: 32px; }

  footer {
    background: var(--navy); color: var(--silver); padding: 28px 0; text-align: center; font-size: 13px;
  }
  footer strong { color: #fff; }
  footer p { margin-top: 8px; }
  footer p:first-child { margin-top: 0; }
  footer .footer-links a { color: var(--silver); }
  footer .footer-links a:hover { color: var(--sky); }

  @media (max-width: 720px) {
    .how-grid { grid-template-columns: 1fr; }
    .calc-box { grid-template-columns: 1fr; }
    .trust-row { gap: 16px; font-size: 11.5px; }
    .wrap { padding: 0 18px; }
    .logo-mark { max-width: 260px; }
    .wordmark { max-width: 320px; }
  }

  [hidden] { display: none !important; }

  /* Focus visibility (keyboard use) */
  a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, summary:focus-visible {
    outline: 3px solid var(--sky); outline-offset: 2px;
  }

  /* TOOL HEADER (free tools + fee-check + first-load + broker-check + our-fee) */
  .tool-header { background: var(--navy); padding: 20px 0; }
  .tool-header .wrap { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
  .tool-header a { color: #fff; font-weight: 800; font-size: 14.5px; text-decoration: none; }
  .tool-header a:hover { color: var(--sky); }
  .tool-header .tools-link { color: var(--silver); font-weight: 700; }
  .tool-header .tools-link:hover { color: var(--sky); }

  /* TOOL PAGE CONTENT */
  .tool-section { padding: 44px 0; }
  .tool-content { max-width: 720px; margin: 0 auto; }
  .tool-content h1 { font-size: clamp(26px, 4.5vw, 36px); font-weight: 800; margin-bottom: 12px; line-height: 1.18; }
  .tool-subhead { font-size: 17px; color: var(--ink-soft); margin-bottom: 20px; line-height: 1.5; }
  .tool-intro { font-size: 15px; line-height: 1.6; margin-bottom: 14px; }
  .small-print { font-size: 13px; color: var(--ink-soft); line-height: 1.55; margin-bottom: 22px; }

  .callout-box {
    background: var(--paper-2); border: 1.5px solid var(--border); border-radius: 10px;
    padding: 18px 20px; margin-bottom: 24px; font-size: 14.5px; line-height: 1.55;
  }
  .callout-box .callout-source { display: block; margin-top: 8px; font-size: 12.5px; color: var(--ink-soft); }

  /* FREE TOOLS HUB CARDS */
  .tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 10px; }
  .tool-card {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 10px; padding: 24px;
    display: flex; flex-direction: column; gap: 14px;
  }
  .tool-card h3 { font-size: 17px; }
  .tool-card p { color: var(--ink-soft); font-size: 14px; line-height: 1.55; flex-grow: 1; }

  /* HOME PAGE TEASER */
  .teaser-section { background: var(--paper-2); text-align: center; }
  .teaser-section .section-title { margin-bottom: 8px; }
  .teaser-section .section-lede { margin: 0 auto 24px; }

  /* QUIZ */
  .quiz-box {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 12px; padding: 28px;
  }
  .quiz-progress {
    font-size: 12.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em;
    color: var(--ink-soft); margin-bottom: 14px;
  }
  .quiz-question h2 { font-size: 19px; line-height: 1.4; margin-bottom: 16px; }
  .quiz-answers { display: flex; gap: 10px; flex-wrap: wrap; }
  .quiz-answer-btn {
    flex: 1 1 110px; min-height: 48px; padding: 12px 16px; border-radius: 8px;
    border: 1.5px solid var(--border); background: var(--surface); color: var(--ink);
    font-size: 15px; font-weight: 700; font-family: inherit; cursor: pointer;
  }
  .quiz-answer-btn:hover { border-color: var(--sapphire); }
  .quiz-why { margin-top: 16px; }
  .quiz-why summary { cursor: pointer; font-size: 13px; font-weight: 700; color: var(--sapphire); list-style: none; }
  .quiz-why summary::-webkit-details-marker { display: none; }
  .quiz-why p { margin-top: 8px; font-size: 13.5px; color: var(--ink-soft); line-height: 1.5; }

  /* RESULT */
  .result-box {
    background: var(--navy); color: #fff; border-radius: 12px; padding: 32px; text-align: center;
  }
  .result-score { font-size: 15px; color: var(--silver); font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; }
  .result-score .big { display: block; font-size: 48px; font-weight: 800; color: #fff; font-family: Arial Narrow, sans-serif; margin: 6px 0; }
  .result-band { font-size: 20px; font-weight: 800; color: var(--sky); margin-bottom: 10px; }
  .result-band-text { color: var(--silver); font-size: 14.5px; line-height: 1.6; max-width: 540px; margin: 0 auto; }

  .concerning-box { margin-top: 26px; }
  .concerning-box h3 { font-size: 15px; margin-bottom: 12px; }
  .concerning-list { display: grid; gap: 12px; }
  .concerning-item {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 8px; padding: 14px 16px;
  }
  .concerning-item .q { font-weight: 700; font-size: 14.5px; margin-bottom: 4px; }
  .concerning-item .why { font-size: 13.5px; color: var(--ink-soft); line-height: 1.5; }

  .comparison-box {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 10px; padding: 22px 24px; margin-top: 26px;
  }
  .comparison-box h3 { font-size: 16px; margin-bottom: 14px; }
  .comparison-list { list-style: none; display: grid; gap: 8px; }
  .comparison-list li { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; border-bottom: 1px solid var(--border); padding-bottom: 8px; }
  .comparison-list li:last-child { border-bottom: none; padding-bottom: 0; }
  .comparison-list .k { color: var(--ink-soft); }
  .comparison-list .v { font-weight: 700; text-align: right; }
  .comparison-box .comparison-link { margin-top: 14px; display: block; font-size: 14px; }

  .share-actions { display: flex; gap: 10px; flex-wrap: wrap; justify-content: center; margin-top: 20px; }
  .share-card-canvas { display: none; }

  /* EMAIL BOX (reuses .contact-form styles) */
  .email-box {
    background: var(--surface); border: 1.5px solid var(--border); border-radius: 12px; padding: 28px;
    margin-top: 28px;
  }
  .email-box h3 { font-size: 17px; margin-bottom: 6px; }
  .email-box > p { color: var(--ink-soft); font-size: 14px; margin-bottom: 18px; }
  .email-box .email-success { color: var(--sapphire); font-weight: 700; font-size: 14.5px; }
  .email-box .email-error { color: #B91C1C; font-weight: 700; font-size: 14.5px; }

  /* CHECKLIST (first-load, broker-check) */
  .checklist { list-style: none; display: grid; gap: 14px; margin: 20px 0; }
  .checklist-item {
    display: flex; gap: 14px; align-items: flex-start; background: var(--surface);
    border: 1.5px solid var(--border); border-radius: 10px; padding: 16px 18px;
  }
  .checklist-item input[type="checkbox"] { width: 22px; height: 22px; flex-shrink: 0; margin-top: 2px; accent-color: var(--sapphire); }
  .checklist-item label { cursor: pointer; }
  .checklist-item .step-num {
    font-weight: 800; color: var(--sapphire); font-size: 13px; text-transform: uppercase; letter-spacing: 0.04em;
    display: block; margin-bottom: 4px;
  }
  .checklist-item .step-title { font-weight: 700; font-size: 15px; margin-bottom: 4px; display: block; }
  .checklist-item .step-text { color: var(--ink-soft); font-size: 14px; line-height: 1.55; }
  .checklist-item .step-text a { color: var(--sapphire); }

  .dispatcher-box {
    background: var(--paper-2); border: 1.5px solid var(--border); border-radius: 10px; padding: 20px 22px; margin: 24px 0;
  }
  .dispatcher-box h3 { font-size: 15.5px; margin-bottom: 8px; }
  .dispatcher-box p { font-size: 14.5px; line-height: 1.6; margin-bottom: 10px; }
  .dispatcher-box .ridgepoint-note { font-style: italic; color: var(--ink-soft); }
  .dispatcher-box .report-list { font-size: 14.5px; line-height: 1.6; margin: 0 0 10px; padding-left: 20px; }
  .dispatcher-box .report-list li { margin-bottom: 8px; }
  .dispatcher-box .report-list a { color: var(--sapphire); }

  .print-share-actions { display: flex; gap: 10px; flex-wrap: wrap; margin: 24px 0; }

  /* OUR FEE */
  .fee-terms-list { list-style: none; display: grid; gap: 10px; margin: 20px 0; }
  .fee-terms-list li { display: flex; justify-content: space-between; gap: 12px; font-size: 15px; border-bottom: 1px solid var(--border); padding-bottom: 10px; }
  .fee-terms-list li:last-child { border-bottom: none; }
  .fee-terms-list .k { font-weight: 700; }
  .fee-terms-list .v { color: var(--ink-soft); text-align: right; }
  .fee-example-box {
    background: var(--paper-2); border: 1.5px solid var(--border); border-radius: 10px; padding: 18px 20px; margin: 20px 0; font-size: 14.5px; line-height: 1.6;
  }

  @media (max-width: 720px) {
    .tools-grid { grid-template-columns: 1fr; }
    .quiz-answers { flex-direction: column; }
    .quiz-answer-btn { flex: 1 1 auto; }
    .comparison-list li, .fee-terms-list li { flex-direction: column; gap: 2px; }
    .comparison-list .v, .fee-terms-list .v { text-align: left; }
  }

  /* PRINT (broker-check) */
  @media print {
    .tool-header, footer, .email-box, .print-share-actions, .checklist-item input[type="checkbox"] { display: none !important; }
    body { background: #fff; color: #000; }
    .tool-section { padding: 0; }
    .tool-content { max-width: 100%; }
    .callout-box, .checklist-item { border: 1px solid #999; background: #fff; }
    a { color: #000; text-decoration: none; }
    .checklist-item { break-inside: avoid; page-break-inside: avoid; padding: 10px 12px; }
  }