:root {
  --navy: #0a2a43;
  --navy-2: #123a5c;
  --gold: #c9a24b;
  --ink: #1a2733;
  --muted: #5b6b7a;
  --line: #e3e8ee;
  --bg: #ffffff;
  --bg-soft: #f5f7fa;
  --ok: #1f7a4d;
  --err: #b3261e;
  --radius: 12px;
  --maxw: 1080px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink); background: var(--bg); line-height: 1.6;
}
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
h1, h2, h3 { line-height: 1.2; color: var(--navy); }
h1 { font-size: 2.4rem; margin: 0 0 16px; }
h2 { font-size: 1.8rem; margin: 0 0 8px; }
.section-sub { color: var(--muted); font-size: 1.1rem; margin: 0 0 28px; }
.fineprint { color: var(--muted); font-size: 0.85rem; }

/* header */
.site-header { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 10; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; }
.brand-mark { display: block; font-weight: 700; color: var(--navy); letter-spacing: 0.3px; }
.brand-tag { display: block; font-size: 0.8rem; color: var(--muted); }

/* buttons */
.btn { display: inline-block; padding: 12px 22px; border-radius: 8px; text-decoration: none; font-weight: 600; cursor: pointer; border: 1px solid transparent; font-size: 1rem; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-2); }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-nav { padding: 8px 16px; font-size: 0.9rem; background: var(--gold); color: #1a1400; }

/* hero */
.hero { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; padding: 72px 0; }
.hero h1 { color: #fff; max-width: 16ch; }
.hero-sub { font-size: 1.2rem; max-width: 60ch; color: #dbe6f0; margin: 0 0 28px; }
.hero .btn { margin-right: 12px; }
.hero .btn-ghost { color: #fff; border-color: rgba(255,255,255,0.6); }

/* types */
.types { padding: 64px 0; }
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; background: #fff; }
.card h3 { margin: 0 0 4px; }
.card-tag { color: var(--gold); font-weight: 600; margin: 0 0 12px; font-size: 0.95rem; }
.card-note { font-size: 0.9rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 12px; margin-top: 12px; }

/* how */
.how { background: var(--bg-soft); padding: 56px 0; }
.checklist { max-width: 640px; padding-left: 20px; }
.checklist li { margin-bottom: 14px; }

/* cta / form */
.cta { padding: 64px 0; }
.lead-form { max-width: 560px; margin: 0 auto; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; background: #fff; }
.form-step fieldset { border: 0; padding: 0; margin: 0; }
.form-step legend { font-weight: 700; color: var(--navy); font-size: 1.1rem; margin-bottom: 16px; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice { display: flex; align-items: center; gap: 10px; border: 1px solid var(--line); border-radius: 8px; padding: 14px; cursor: pointer; }
.choice:hover { border-color: var(--navy); }
.choice input { accent-color: var(--navy); }
.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.95rem; }
.field input, .field select { width: 100%; padding: 11px 12px; border: 1px solid var(--line); border-radius: 8px; font-size: 1rem; }
.field input:focus, .field select:focus { outline: 2px solid var(--navy); border-color: var(--navy); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 0.95rem; }
.consent input { margin-top: 4px; accent-color: var(--navy); }
.form-actions { display: flex; gap: 12px; margin-top: 20px; }
.hidden { display: none !important; }
.form-success { text-align: center; padding: 20px; }
.form-success h3 { color: var(--ok); }
.form-error { background: #fdecea; color: var(--err); padding: 12px; border-radius: 8px; margin-top: 16px; font-size: 0.95rem; }

/* footer */
.site-footer { background: var(--navy); color: #cfe0ee; padding: 32px 0; margin-top: 40px; }
.site-footer p { margin: 4px 0; }
.site-footer .fineprint { color: #9fb6cc; }

/* agent signup (/for-agents) */
.get-matched { padding: 64px 0; background: var(--bg-soft); }
.get-matched h2 { text-align: center; }
.get-matched .section-sub { text-align: center; }
.lead-form fieldset { border: 0; padding: 0; margin: 0 0 18px; }
.lead-form legend { font-weight: 700; color: var(--navy); font-size: 1.05rem; margin-bottom: 10px; padding: 0; }
.opt { font-weight: 400; color: var(--muted); font-size: 0.85rem; }
.field textarea { width: 100%; padding: 11px 12px; border: 1px solid var(--line); border-radius: 8px; font-size: 1rem; font-family: inherit; resize: vertical; }
.field textarea:focus { outline: 2px solid var(--navy); border-color: var(--navy); }
.chip-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-flex; align-items: center; gap: 6px; border: 1px solid var(--line); border-radius: 20px; padding: 7px 13px; cursor: pointer; background: #fff; font-size: 0.9rem; user-select: none; }
.chip:hover { border-color: var(--navy); }
.chip input { accent-color: var(--navy); margin: 0; }
.chip:has(input:checked) { border-color: var(--navy); background: #eef3f8; font-weight: 600; }
.radio-row { display: flex; align-items: center; gap: 10px; padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; margin-bottom: 8px; cursor: pointer; background: #fff; }
.radio-row:hover { border-color: var(--navy); }
.radio-row input { accent-color: var(--navy); }

@media (max-width: 560px) {
  h1 { font-size: 1.9rem; }
  .choice-grid { grid-template-columns: 1fr; }
  .header-inner { flex-direction: column; gap: 10px; }
}