:root {
  --navy: #0B156C;
  --navy-deep: #081238;
  --wine: #88092A;
  --ink: #1B2233;
  --slate: #3D4659;
  --steel: #4A5468;
  --mist: #EDF0F7;
  --line: #C9D0E0;
  --white: #FFFFFF;
  --display: "Barlow Condensed", "Arial Narrow", sans-serif;
  --body: "Barlow", "Helvetica Neue", Arial, sans-serif;
  --wrap: 1120px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--white); color: var(--ink); font-family: var(--body); font-size: 18px; line-height: 1.5; }
img { display: block; max-width: 100%; }
a { color: var(--navy); }
a:hover { color: var(--navy-deep); }
:focus-visible { outline: 3px solid var(--wine); outline-offset: 3px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: var(--white); padding: 8px 12px; z-index: 10; }

/* header */
.top { border-bottom: 1px solid var(--line); }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 76px; }
.top img { width: 150px; height: auto; }
.top .call { font-family: var(--display); font-weight: 700; font-size: 24px; letter-spacing: 0.02em; text-decoration: none; color: var(--navy); white-space: nowrap; }

/* hero */
.hero { position: relative; overflow: hidden; background: var(--navy); color: var(--white); }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 10px; background: var(--wine); }
.hero .star { position: absolute; right: -140px; bottom: -170px; width: 620px; height: 580px; opacity: 0.1; pointer-events: none; }
.hero .wrap { position: relative; padding-top: 56px; padding-bottom: 72px; }
.tag { display: inline-block; background: var(--wine); color: var(--white); font-family: var(--display); font-weight: 700; font-size: 18px; letter-spacing: 0.08em; padding: 7px 14px 6px; margin: 0 0 20px; }
.hero h1 { margin: 0; font-family: var(--display); font-weight: 800; text-transform: uppercase; line-height: 0.86; }
.hero h1 .big { display: block; font-size: clamp(64px, 13vw, 148px); }
.hero h1 .small { display: block; font-size: clamp(36px, 7vw, 84px); line-height: 1; margin-top: 4px; }
.hero p.lede { max-width: 640px; margin: 24px 0 0; font-size: clamp(19px, 2.4vw, 24px); font-weight: 600; line-height: 1.35; }
.actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 0 24px; font-family: var(--display); font-weight: 700; font-size: 22px; letter-spacing: 0.02em; text-decoration: none; border: 3px solid transparent; }
.btn-light { background: var(--white); color: var(--navy); }
.btn-light:hover { background: var(--mist); color: var(--navy); }
.btn-ghost { border-color: var(--white); color: var(--white); }
.btn-ghost:hover { background: rgba(255,255,255,0.12); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); color: var(--white); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: var(--white); }
.btn-outline:hover { background: var(--mist); }

section { padding: 64px 0; }
h2 { margin: 0 0 14px; font-family: var(--display); font-weight: 800; font-size: clamp(34px, 5vw, 52px); line-height: 0.95; text-transform: uppercase; color: var(--navy); }
h3 { margin: 0; font-family: var(--display); font-weight: 800; text-transform: uppercase; color: var(--navy); }
.intro { max-width: 720px; color: var(--slate); margin: 0 0 32px; }

/* compare */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.move { padding: 20px 22px; display: flex; flex-direction: column; gap: 10px; }
.move.usual { background: var(--white); border: 1px solid #C9D0DD; padding: 19px 21px; }
.move.better { border: 3px solid var(--navy); padding: 17px 19px; background: var(--mist); }
.move .kicker { font-family: var(--display); font-weight: 700; font-size: 16px; letter-spacing: 0.14em; line-height: 1; text-transform: uppercase; color: var(--steel); }
.move.better .kicker { color: var(--wine); }
.move h3 { font-size: 34px; line-height: 1; margin: 0; }
.move.usual h3 { color: var(--steel); }
.mlist { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.mlist li { display: flex; gap: 10px; align-items: flex-start; font-size: 16px; line-height: 1.4; color: var(--ink); }
.usual .mlist li { color: var(--slate); }
.mlist .ic { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.usual .mlist .ic { width: 16px; height: 16px; margin-top: 3px; }
.ticks { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.ticks li { position: relative; padding-left: 30px; }
.ticks li::before { content: ""; position: absolute; left: 2px; top: 6px; width: 16px; height: 9px; border-left: 3px solid var(--wine); border-bottom: 3px solid var(--wine); transform: rotate(-45deg); }
.crosses li::before { width: 16px; height: 0; border: 0; border-top: 3px solid #6B7385; top: 12px; transform: rotate(45deg); }
.crosses li::after { content: ""; position: absolute; left: 2px; top: 12px; width: 16px; border-top: 3px solid #6B7385; transform: rotate(-45deg); }

/* buyers */
.buyers { background: var(--mist); }
.chips { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.chips li { border: 2px solid var(--navy); background: var(--white); color: var(--navy); font-weight: 600; font-size: 16px; padding: 7px 14px; }

/* terms */
.terms { display: grid; grid-template-columns: minmax(280px, 380px) 1fr; gap: 40px; align-items: start; }
.scenario { background: var(--navy); color: var(--white); padding: 28px; }
.scenario h3 { color: var(--white); font-size: 22px; margin-bottom: 8px; }
.scenario dl { margin: 0; }
.scenario .row { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-bottom: 1px solid #2A3A78; font-size: 17px; }
.scenario dt { color: #C3CCE6; }
.scenario dd { margin: 0; font-weight: 600; text-align: right; }
.scenario .price { margin-top: 24px; color: #C3CCE6; font-size: 15px; }
.scenario .price strong { display: block; color: var(--white); font-family: var(--display); font-weight: 800; font-size: 40px; line-height: 1.05; }
.worth h3 { font-size: 30px; margin-bottom: 16px; }
.worth .ticks { gap: 14px; }
.worth b { color: var(--navy); }
.fine { font-size: 14px; color: var(--steel); margin-top: 20px; }

/* checklist */
.need { background: var(--mist); }
.need ul.ticks { display: block; columns: 2; column-gap: 40px; max-width: 760px; }
.need li { break-inside: avoid; margin-bottom: 10px; }

/* steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; counter-reset: s; }
.steps li { counter-increment: s; display: grid; grid-template-columns: auto 1fr; gap: 14px; align-items: start; }
.steps li::before { content: counter(s); font-family: var(--display); font-weight: 800; font-size: 64px; line-height: 0.8; color: var(--wine); }
.steps h3 { font-size: 24px; line-height: 1.05; margin-bottom: 6px; }
.steps p { margin: 0; color: var(--slate); font-size: 17px; }

/* closing call to action */
.cta-band { padding: 8px 0 64px; }
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; }
.cta-band .buyer-link { font-weight: 600; font-size: 17px; }

/* footer */
footer { background: var(--navy-deep); color: #DCE3F5; padding: 36px 0 44px; font-size: 16px; }
footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 24px; align-items: end; }
footer a { color: var(--white); }
footer .name { font-family: var(--display); font-weight: 700; font-size: 26px; color: var(--white); }
footer .phone { font-family: var(--display); font-weight: 800; font-size: 40px; color: var(--white); text-decoration: none; }
footer .who { display: flex; align-items: center; gap: 18px; }
footer .headshot { width: 84px; height: 84px; border-radius: 50%; object-fit: cover; background: var(--white); border: 3px solid var(--white); flex-shrink: 0; }
footer small { display: block; width: 100%; color: #9AA6C8; font-size: 13px; }

@media (max-width: 820px) {
  body { font-size: 17px; }
  section { padding: 48px 0; }
  .compare, .terms { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 22px; }
  .need ul { columns: 1; }
  .top img { width: 120px; }
  .top .call { font-size: 20px; }
  .hero .wrap { padding-top: 40px; padding-bottom: 56px; }
  footer .headshot { width: 72px; height: 72px; }
  footer .name { font-size: 23px; line-height: 1.1; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; animation: none !important; } }
#terms-title { margin-bottom: 24px; }
section[aria-labelledby="how-title"] { padding-top: 0; }

/* privacy page */
.policy { padding: 48px 0 64px; }
.policy .wrap { max-width: 780px; }
.policy h1 { margin: 0; font-family: var(--display); font-weight: 800; font-size: clamp(40px, 6vw, 56px); line-height: 1; text-transform: uppercase; color: var(--navy); }
.policy .eff { margin: 8px 0 28px; color: var(--steel); font-size: 15px; }
.policy h2 { font-size: 26px; margin: 32px 0 8px; }
.policy p, .policy li { color: var(--slate); font-size: 17px; }
.policy b { color: var(--ink); }
.policy ul { padding-left: 22px; margin: 0 0 12px; }
.policy li { margin-bottom: 6px; }