:root{
  --ink:#13212b; --muted:#5a6b78; --navy:#12324a; --navy2:#0d2638; --gold:#9b6817; --paper:#f7f4ed; --white:#fff; --line:#dde4e8; --soft:#edf4f7; --green:#0f6b4d;
  --radius:18px; --shadow:0 24px 60px rgba(18,50,74,.13);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.55}
a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}
.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}.skip-link{position:absolute;left:-999px;top:10px;background:#fff;padding:8px 12px;z-index:10}.skip-link:focus{left:10px}
.site-header{background:rgba(247,244,237,.92);backdrop-filter:blur(12px);position:sticky;top:0;z-index:5;border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:76px}.brand{display:flex;align-items:center;gap:12px;color:var(--ink)}.brand:hover{text-decoration:none}.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:14px;background:var(--navy);color:#fff;font-weight:800;letter-spacing:.04em}.brand small{display:block;color:var(--muted);font-size:.78rem;margin-top:1px}.site-nav{display:flex;align-items:center;gap:2px;flex-wrap:wrap;justify-content:flex-end}.site-nav a{font-size:.91rem;color:var(--ink);padding:9px 10px;border-radius:999px}.site-nav a[aria-current="page"],.site-nav a:hover{background:#fff;text-decoration:none}.nav-toggle{display:none;border:1px solid var(--line);border-radius:999px;background:#fff;padding:10px 14px;font-weight:700}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:72px 0}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:42px;align-items:center}.eyebrow,.kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;font-weight:800;color:var(--gold);margin:0 0 10px}.hero h1{font-size:clamp(2.4rem,6vw,5rem);line-height:.96;margin:0 0 22px;max-width:920px;letter-spacing:-.055em}.lead{font-size:1.24rem;max-width:820px;color:#dce8ee}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.button,button{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:999px;background:var(--gold);color:#111;font-weight:800;padding:12px 18px;box-shadow:none;cursor:pointer}.button:hover,button:hover{text-decoration:none;filter:brightness(.98)}.button.secondary{background:#fff;color:var(--navy)}.button.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}.hero-panel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.hero-panel h2{margin-top:0}.hero-panel li{margin:.35rem 0}.section{padding:62px 0}.section h2{font-size:clamp(1.7rem,3vw,2.6rem);letter-spacing:-.035em;margin:0 0 22px}.section h3{margin:0 0 10px}.section p{font-size:1.02rem;color:var(--muted)}.grid{display:grid;gap:18px}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.four{grid-template-columns:repeat(4,1fr)}.grid.five{grid-template-columns:repeat(5,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 12px 36px rgba(18,50,74,.05)}.card h3{font-size:1.18rem}.card p{margin:.4rem 0 1rem}.card-link{font-weight:800}.callout,.notice,.big-quote{background:#fff;border:1px solid var(--line);border-left:6px solid var(--gold);border-radius:var(--radius);padding:26px;box-shadow:0 12px 36px rgba(18,50,74,.06)}.notice{border-left-color:var(--green)}.big-quote{background:var(--navy);color:#fff}.big-quote p{font-size:1.55rem;color:#fff;margin:0;line-height:1.25}.split{display:grid;grid-template-columns:1fr 1fr;gap:22px}.split>div{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 12px 36px rgba(18,50,74,.05)}th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eef3f6;color:var(--navy);font-size:.9rem}tr:last-child td{border-bottom:0}tfoot td{font-weight:800;background:#fbf8f0}.tick-list{list-style:none;padding:0;margin:0}.tick-list li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:13px 16px;margin:9px 0}.tick-list li:before{content:"✓";color:var(--green);font-weight:900;margin-right:10px}.local-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 12px 36px rgba(18,50,74,.06)}.local-form label{display:block;font-weight:800;margin:0 0 16px}.local-form input,.local-form textarea,.local-form select{display:block;width:100%;margin-top:7px;border:1px solid #cfd9de;border-radius:12px;padding:12px 13px;font:inherit;background:#fff}.local-form textarea{min-height:110px;resize:vertical}.form-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.form-page{max-width:900px}.role-board{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.calculator{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.calc-grid label{font-weight:800}.calc-grid input{width:100%;padding:12px;border:1px solid #cfd9de;border-radius:12px;margin-top:7px}.calc-result{font-size:1.25rem!important;color:var(--ink)!important;margin-bottom:0}.score-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.score-grid label{background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px;font-weight:800}.score-grid select{width:100%;margin-top:8px;padding:8px;border-radius:10px;border:1px solid #cfd9de}.fineprint{font-size:.88rem!important;color:#6b7b86!important}.site-footer{background:var(--navy2);color:#fff;padding:56px 0;margin-top:50px}.site-footer p{color:#dce8ee}.footer-grid{display:grid;grid-template-columns:1.25fr 1fr .8fr;gap:42px}.footer-links{display:grid;grid-template-columns:repeat(2,1fr);gap:8px}.footer-links a{color:#fff}.site-footer h2,.site-footer h3{margin-top:0}
@media (max-width:980px){.hero-grid,.split,.footer-grid{grid-template-columns:1fr}.grid.three,.grid.four,.grid.five,.calc-grid,.score-grid{grid-template-columns:repeat(2,1fr)}.site-nav{display:none;position:absolute;left:20px;right:20px;top:70px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow);justify-content:flex-start}.site-nav.open{display:flex}.nav-toggle{display:inline-flex}}
@media (max-width:640px){.container{width:min(100% - 28px,1180px)}.hero{padding:48px 0}.grid.three,.grid.four,.grid.five,.calc-grid,.score-grid,.role-board{grid-template-columns:1fr}.hero h1{font-size:2.5rem}.lead{font-size:1.07rem}th,td{padding:11px 12px}.section{padding:44px 0}.footer-links{grid-template-columns:1fr}}
@media print{.site-header,.site-footer,.hero-actions,.form-actions,.nav-toggle{display:none!important}.hero{background:#fff!important;color:#111!important;padding:20px 0}.lead,.hero-panel,.hero-panel li,.big-quote p{color:#111!important}.hero-grid{display:block}.section{padding:20px 0}.card,.local-form,.callout,table{box-shadow:none}body{background:#fff}.button{display:none}}

/* Guided form help */
.compact-section{padding-top:30px;padding-bottom:30px}
.help-banner{max-width:900px}
.help-banner h2{margin-top:0}
.field-group{margin:0 0 26px;padding:0 0 24px;border-bottom:1px solid var(--line)}
.field-group:last-of-type{border-bottom:0}
.field-group label{margin-bottom:0}
.field-hint{margin:8px 0 6px!important;font-size:.94rem!important;line-height:1.5;color:var(--muted)!important}
.field-help-link{display:inline-flex;align-items:center;gap:7px;font-weight:800;font-size:.94rem;margin-top:4px;text-decoration:underline;text-underline-offset:3px}
.field-help-link:before{content:"?";display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--soft);color:var(--navy);font-size:.82rem;text-decoration:none}
.field-example{margin:10px 0 4px;background:#f7fafb;border:1px solid var(--line);border-radius:12px;padding:10px 13px}
.field-example summary{cursor:pointer;font-weight:800;color:var(--navy)}
.field-example p{margin:9px 0 2px!important;font-size:.93rem!important;color:var(--muted)!important}
.form-button-link{box-shadow:none}
.guide-form{max-width:980px;margin-inline:auto}
.step-nav{position:sticky;top:76px;z-index:3;display:flex;gap:8px;overflow-x:auto;padding:10px;margin:0 0 20px;background:rgba(247,244,237,.96);border:1px solid var(--line);border-radius:16px;scrollbar-width:thin}
.step-nav a{white-space:nowrap;background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-weight:800;font-size:.86rem}
.guide-step{scroll-margin-top:150px;padding:28px 0;border-bottom:1px solid var(--line)}
.guide-step:first-child{padding-top:8px}
.guide-step:last-of-type{border-bottom:0}
.guide-step h2{margin:0 0 8px;font-size:clamp(1.45rem,3vw,2rem)}
.step-number{margin:0 0 4px!important;text-transform:uppercase;letter-spacing:.14em;font-size:.75rem!important;font-weight:900;color:var(--gold)!important}
.step-intro{margin:0 0 20px!important}
.two-form{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.prompt-box{margin-top:14px;padding:15px 17px;border-radius:14px;background:var(--soft);border:1px solid #d3e1e7}
.prompt-box p{margin:5px 0 0!important;font-size:.94rem!important}
.risk-pair{display:grid;grid-template-columns:.85fr 1.4fr;gap:14px;margin-bottom:14px;padding:14px;border:1px solid var(--line);border-radius:14px;background:#fbfcfc}
.draft-section{background:#f7fafb;margin:24px -24px -24px;padding:30px 24px!important;border-radius:0 0 var(--radius) var(--radius)}
.transfer-status{font-weight:800!important;color:var(--navy)!important;min-height:1.5em}
.draft-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:18px}
.draft-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.draft-card h3{margin:0 0 8px}
.draft-card p{white-space:pre-wrap;margin:0!important;font-size:.94rem!important}
@media (max-width:700px){.two-form,.risk-pair,.draft-grid{grid-template-columns:1fr}.step-nav{top:74px;margin-inline:-2px}.guide-form{padding:18px}.draft-section{margin:20px -18px -18px;padding:24px 18px!important}.field-group{margin-bottom:22px;padding-bottom:21px}}
@media print{.step-nav,.field-help-link,.help-banner,.field-example{display:none!important}.guide-step{break-inside:avoid}.draft-grid{display:block}.draft-card{margin-bottom:12px}}
@media (max-width:700px){.step-nav{position:relative;top:auto}}

/* Landing-page route chooser */
.section-heading{max-width:780px;margin-bottom:24px}.start-choice{display:flex;flex-direction:column;align-items:flex-start}.start-choice p:last-child{margin-top:auto}.choice-label{margin:0 0 8px;font-size:.78rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}.start-section .help-banner{margin-top:22px}.start-section .help-banner p{margin:.35rem 0 0}


/* QC release improvements */
:focus-visible{outline:3px solid #2f80a5;outline-offset:3px}
button:focus-visible,.button:focus-visible,.site-nav a:focus-visible{outline-color:#6bb7d6}
[hidden]{display:none!important}
.table-wrap{width:100%;overflow-x:auto;border-radius:var(--radius);margin:18px 0;-webkit-overflow-scrolling:touch}
.table-wrap table{min-width:660px;margin:0}
.secondary-action{background:#e8eef1;color:var(--navy)}
.save-status{display:flex;align-items:center;gap:8px;margin:0 0 18px!important;padding:10px 12px;border-radius:12px;background:#f1f6f8;border:1px solid var(--line)}
.save-status:before{content:"✓";display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;font-weight:900;font-size:.78rem}
.save-status.is-error:before{content:"!";background:#a33b31}
.form-export-status{min-height:1.4em;font-weight:800!important;color:var(--navy)!important}
.guide-progress{position:sticky;top:86px;z-index:2;margin:0 0 18px!important;padding:10px 14px;border-radius:12px;background:#fff;border:1px solid var(--line);font-weight:800!important;color:var(--navy)!important;box-shadow:0 8px 20px rgba(18,50,74,.06)}
.module-panel h2{margin-bottom:10px}.module-panel p{color:#dce8ee;margin:0}.module-panel ul{margin-bottom:0}
.route-choice{display:flex;flex-direction:column;align-items:flex-start;min-height:100%}.route-choice .button{margin-top:auto}
.route-choice .choice-label{color:#7b5312}
.route-grid{align-items:stretch}
.route-note{margin-top:18px;padding:18px 20px;border:1px solid var(--line);border-radius:14px;background:#fff}
.page-meta{font-size:.9rem;color:var(--muted);margin-top:18px}
.official-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.official-links a{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;font-weight:800}
.notice.warning{border-left-color:#a33b31}
.form-actions button,.form-actions .button{min-height:46px}
.local-form input:focus,.local-form textarea:focus,.local-form select:focus,.calc-grid input:focus,.score-grid select:focus{border-color:#2f80a5;box-shadow:0 0 0 3px rgba(47,128,165,.14);outline:0}
.local-form input::placeholder,.local-form textarea::placeholder{color:#758590;opacity:1}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}
@media (max-width:1120px){
  .site-nav{display:none;position:absolute;left:20px;right:20px;top:70px;max-height:calc(100vh - 92px);overflow-y:auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;flex-wrap:nowrap;justify-content:flex-start}
  .site-nav.open{display:flex}.site-nav a{display:block;width:100%;padding:11px 13px}.nav-toggle{display:inline-flex}
}
@media (max-width:700px){
  .guide-progress{position:relative;top:auto}.official-links{grid-template-columns:1fr}.table-wrap{margin-inline:-2px;width:calc(100% + 4px)}
  .local-form textarea{min-height:96px}.brand small{font-size:.72rem;line-height:1.25}.brand strong{font-size:1rem}.brand-mark{width:42px;height:42px}
}
@media (max-width:430px){.brand small{display:none}.header-inner{min-height:68px}.site-nav{top:64px}.hero h1{font-size:2.3rem}.hero{padding:42px 0}.button,button{width:100%}.nav-toggle{width:auto}.hero-actions{display:grid}.form-actions{display:grid}.form-actions .button,.form-actions button{width:100%}}
@media print{.field-hint,.save-status,.guide-progress,.form-export-status{display:none!important}.table-wrap{overflow:visible}.table-wrap table{min-width:0}}