:root {
  --navy: #001a46;
  --navy-2: #0d315d;
  --slate-blue: #2a5c91;
  --gold: #d4a12c;
  --charcoal: #182332;
  --muted: #5f6b78;
  --line: #d9e1ea;
  --paper: #ffffff;
  --soft: #f4f6f8;
  --green: #1d7a46;
  --shadow: 0 18px 42px rgba(11, 34, 64, 0.13);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--charcoal);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.6;
}

a { color: inherit; }
img { max-width: 100%; display: block; }
h1, h2, h3, p { margin-top: 0; }

h1 {
  margin-bottom: 20px;
  font-size: clamp(2.04rem, 4.64vw, 4.48rem);
  line-height: 1.02;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 14px;
  color: var(--navy);
  font-size: clamp(1.7rem, 3vw, 2.65rem);
  line-height: 1.12;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 1.08rem;
  line-height: 1.28;
  letter-spacing: 0;
}

p { color: var(--muted); }
blockquote {
  margin: 20px 0 0;
  padding: 18px 20px;
  border-left: 4px solid var(--gold);
  border-radius: 0 8px 8px 0;
  background: #fff8e8;
  color: var(--navy);
  font-weight: 800;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 82px;
  padding: 10px clamp(16px, 4vw, 56px);
  border-bottom: 1px solid rgba(217, 225, 234, 0.95);
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
}

.brand {
  display: inline-flex;
  align-items: center;
  width: min(270px, 52vw);
  min-width: 190px;
  text-decoration: none;
}

.brand img {
  width: 100%;
  height: auto;
  max-height: 64px;
  object-fit: contain;
  object-position: left center;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: clamp(12px, 1.7vw, 24px);
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 900;
}

.site-nav a {
  text-decoration: none;
  white-space: nowrap;
}

.site-nav button {
  border: 0;
  font: inherit;
  cursor: pointer;
}

.site-nav a[aria-current="page"] { color: var(--green); }

.nav-cta {
  padding: 11px 16px;
  border-radius: 6px;
  background: var(--green);
  color: #ffffff;
  box-shadow: 0 10px 24px rgba(29, 122, 70, 0.24);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #ffffff;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--navy);
}

.hero {
  position: relative;
  min-height: calc(100vh - 82px);
  display: flex;
  align-items: center;
  padding: 96px clamp(20px, 6vw, 78px);
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
}

.hero-home { background-image: url("./assets/images/consultation-home.png"); }
.hero-home { background-image: url("./assets/images/image1_single.png"); }

.hero-shade {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(11, 34, 64, 0.93), rgba(11, 34, 64, 0.68), rgba(11, 34, 64, 0.16));
}

.hero-content {
  position: relative;
  width: min(860px, 100%);
  color: #ffffff;
}

.hero-content h1,
.hero-content p { color: #ffffff; }

.hero-content h1 {
  font-size: clamp(2.35rem, 5.05vw, 4.65rem);
  max-width: 880px;
  line-height: 1.08;
}

.headline-line {
  display: block;
  white-space: nowrap;
}

.hero-copy {
  max-width: 760px;
  font-size: clamp(1.06rem, 1.6vw, 1.28rem);
}

.hero-benefit-strip {
  display: block;
  width: min(650px, 100%);
  height: auto;
  margin: 26px 0;
  background: #ffffff;
}

.hero-icon-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  max-width: 860px;
  margin: 26px 0;
  border-top: 1px solid rgba(212, 161, 44, 0.62);
  border-bottom: 1px solid rgba(212, 161, 44, 0.62);
}

.hero-icon-row article {
  display: grid;
  justify-items: center;
  align-content: start;
  gap: 12px;
  min-height: 178px;
  padding: 22px 20px;
  text-align: center;
}

.hero-icon-row article + article {
  border-left: 1px solid rgba(212, 161, 44, 0.7);
}

.hero-icon-row p {
  margin: 0;
  color: #ffffff;
  font-size: 0.98rem;
  font-weight: 900;
  line-height: 1.35;
}

.hero-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background: var(--navy);
  border: 2px solid var(--gold);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.24);
}

.hero-icon svg {
  width: 48px;
  height: 48px;
  fill: none;
  stroke: var(--gold);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero-actions,
.cta-split {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 900;
  text-decoration: none;
  cursor: pointer;
}

.button.primary {
  background: var(--green);
  color: #ffffff;
}

.button.secondary {
  border-color: rgba(255, 255, 255, 0.72);
  color: #ffffff;
  background: rgba(255, 255, 255, 0.08);
}

.button.text-button {
  width: 100%;
  margin-top: 8px;
  border-color: var(--gold);
  color: var(--navy);
  background: var(--gold);
  box-shadow: 0 12px 24px rgba(212, 161, 44, 0.22);
}

.benefit-row,
.feature-list,
.expense-grid {
  display: grid;
  gap: 14px;
}

.benefit-row {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.benefit-row article,
.feature-list article,
.expense-card {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.benefit-row strong,
.feature-list strong {
  display: block;
  margin-bottom: 6px;
  color: var(--navy);
  font-size: 1.05rem;
}

.benefit-row span,
.feature-list span {
  color: var(--muted);
}

.navy-band .feature-list article {
  border-color: rgba(212, 161, 44, 0.76);
  background: rgba(255,255,255,0.08);
  box-shadow: 0 16px 34px rgba(212, 161, 44, 0.16);
}

.navy-band .feature-list strong { color: var(--gold); }
.navy-band .feature-list span { color: #ffffff; }

.section {
  padding: clamp(58px, 7vw, 94px) clamp(20px, 5vw, 64px);
}

.participant-zone {
  background: #ffffff;
}

.participant-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.78fr) minmax(0, 1.22fr);
  gap: clamp(28px, 5vw, 58px);
  align-items: start;
}

.participant-benefits-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.flip-card {
  min-height: 118px;
  perspective: 1000px;
}

.flip-card-inner {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 118px;
  transition: transform 420ms ease;
  transform-style: preserve-3d;
}

.flip-card:hover .flip-card-inner,
.flip-card:focus .flip-card-inner,
.flip-card:focus-within .flip-card-inner {
  transform: rotateY(180deg);
}

.flip-card-face {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 16px 18px;
  border: 1px solid rgba(212, 161, 44, 0.38);
  border-radius: 8px;
  background: var(--navy);
  box-shadow: var(--shadow);
  backface-visibility: hidden;
}

.flip-card-back {
  transform: rotateY(180deg);
}

.participant-benefits-grid h3 {
  margin-bottom: 4px;
  color: var(--gold);
  font-size: 1rem;
}

.participant-benefits-grid p {
  margin-bottom: 0;
  color: #ffffff;
  font-size: 0.9rem;
  line-height: 1.42;
}

.section-inner {
  width: min(1160px, 100%);
  margin: 0 auto;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 30px;
}

.section-heading.wide-heading {
  max-width: 100%;
}

.section-heading.wide-heading h2 {
  white-space: nowrap;
}

.section-heading.wide-heading p {
  max-width: none;
}

.group-plan-heading {
  max-width: 1060px;
}

.group-plan-heading p {
  white-space: nowrap;
}

.intro-band {
  padding-block: 38px;
  border-bottom: 1px solid var(--line);
  background: #ffffff;
}

.intro-grid,
.proof-grid,
.split-feature,
.two-column,
.contact-layout,
.feature-row {
  display: grid;
  gap: clamp(28px, 6vw, 72px);
  align-items: start;
}

.intro-grid,
.proof-grid,
.split-feature,
.two-column,
.contact-layout {
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
}

.feature-row {
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  align-items: center;
}

.feature-row.reverse {
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr);
}

.card-grid {
  display: grid;
  gap: 18px;
}

.card-grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }

.plan-grid {
  display: grid;
  gap: 18px;
}

.plan-grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.plan-grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.plan-grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.plan-grid.one { grid-template-columns: minmax(280px, 520px); }

.plan-card {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.featured-plan { max-width: 560px; }

.plan-card h3 {
  min-height: 48px;
  margin-bottom: 0;
  color: var(--gold);
}

.plan-card dl {
  display: grid;
  gap: 0;
  margin: 18px 0 0;
}

.plan-card dt,
.plan-card dd {
  margin: 0;
}

.plan-card dt {
  min-height: 42px;
  display: flex;
  align-items: end;
  padding: 13px 0 7px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 0.86rem;
  font-weight: 800;
}

.plan-card dd {
  min-height: 52px;
  padding: 7px 0 13px;
  color: var(--slate-blue);
  font-size: 1.3rem;
  font-weight: 900;
}

.deposit-breakdown {
  display: block;
  margin-top: 3px;
  color: var(--muted);
  font-size: 0.76rem;
  line-height: 1.28;
  font-weight: 800;
}

.self-plan-grid .plan-card,
.group-plan-grid .plan-card {
  border-color: rgba(212, 161, 44, 0.52);
  background: var(--navy);
  box-shadow: 0 18px 42px rgba(11, 34, 64, 0.16), 0 14px 28px rgba(212, 161, 44, 0.12);
}

.self-plan-grid .plan-card h3,
.group-plan-grid .plan-card h3 {
  min-height: auto;
  color: var(--gold);
  font-size: 1.12rem;
  white-space: nowrap;
}

.self-plan-grid .plan-card dt,
.group-plan-grid .plan-card dt {
  border-top-color: rgba(255, 255, 255, 0.2);
  color: #b3bfcc;
}

.self-plan-grid .plan-card dd,
.group-plan-grid .plan-card dd {
  color: #ffffff;
}

.self-plan-grid .deposit-breakdown,
.group-plan-grid .deposit-breakdown {
  color: #b3bfcc;
}

.summary-link {
  margin: 18px 0 0;
}

.summary-link a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 10px 14px;
  border: 1px solid rgba(212, 161, 44, 0.76);
  border-radius: 6px;
  color: var(--navy);
  background: #ffffff;
  font-weight: 900;
  text-decoration: none;
  box-shadow: 0 12px 24px rgba(212, 161, 44, 0.14);
}

.document-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
  margin-top: 28px;
}

.document-grid-four {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.document-grid-compact {
  max-width: 560px;
}

.document-band {
  background: linear-gradient(180deg, rgba(212, 161, 44, 0.24), rgba(212, 161, 44, 0.42));
}

.document-band .document-grid {
  margin-top: 0;
}

.document-band .document-card {
  border-color: rgba(11, 34, 64, 0.18);
  box-shadow: 0 18px 42px rgba(11, 34, 64, 0.14);
}

.document-card {
  display: grid;
  gap: 12px;
  align-content: start;
  padding: 14px;
  border: 1px solid rgba(212, 161, 44, 0.58);
  border-radius: 8px;
  background: #ffffff;
  color: var(--navy);
  text-decoration: none;
  font-weight: 900;
  box-shadow: var(--shadow);
}

.document-card img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: contain;
  border-radius: 6px;
  border: 1px solid var(--line);
  background: #ffffff;
}

.document-card span {
  line-height: 1.32;
}

.process-grid {
  display: grid;
  gap: 16px;
}

.process-grid.five { grid-template-columns: repeat(5, minmax(0, 1fr)); }
.process-grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.process-grid article {
  min-height: 190px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.process-grid span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin-bottom: 16px;
  border-radius: 50%;
  background: var(--navy);
  color: #ffffff;
  font-weight: 900;
}

.home-process-grid article,
.msa-process-grid article {
  border-color: rgba(212, 161, 44, 0.52);
  background: var(--navy);
  box-shadow: 0 18px 42px rgba(11, 34, 64, 0.16), 0 14px 28px rgba(212, 161, 44, 0.12);
}

.home-process-grid span,
.msa-process-grid span {
  background: var(--gold);
  color: var(--navy);
}

.home-process-grid p,
.msa-process-grid p {
  color: #ffffff;
}

.expense-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.path-card,
.info-card,
.download-box,
.contact-form,
.contact-card,
.team-card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.path-card {
  min-height: 0;
  display: flex;
  flex-direction: column;
  padding: 28px;
}

.path-card p {
  margin-bottom: 12px;
}

.info-card {
  min-height: 210px;
  padding: 26px;
}

.core-values-grid .info-card {
  border-color: rgba(212, 161, 44, 0.42);
  background: var(--navy);
  box-shadow: 0 18px 42px rgba(11, 34, 64, 0.12), 0 14px 28px rgba(212, 161, 44, 0.12);
}

.core-values-grid h3 {
  color: var(--gold);
}

.core-values-grid p {
  color: #ffffff;
}

.muted { background: var(--soft); }

.navy-band {
  color: #ffffff;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
}

.navy-band h2,
.navy-band h3,
.navy-band p,
.navy-band blockquote { color: #ffffff; }

.navy-band blockquote {
  border-left-color: var(--gold);
  background: rgba(255, 255, 255, 0.1);
}

.metric-panel {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.metric-panel div {
  min-height: 178px;
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.metric-panel strong {
  display: block;
  margin-bottom: 12px;
  color: var(--gold);
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1;
}

.metric-panel span {
  color: rgba(255, 255, 255, 0.86);
  font-weight: 800;
}

.feature-image {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  object-position: center top;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.page-hero {
  min-height: 456px;
  display: flex;
  align-items: end;
  padding: 120px clamp(20px, 5vw, 64px) 70px;
  border-bottom: 1px solid var(--line);
  background-color: var(--navy);
  background-position: center top;
  background-size: cover;
}

.employer-hero { background-image: linear-gradient(90deg, rgba(11, 34, 64, 0.92), rgba(11, 34, 64, 0.6), rgba(11, 34, 64, 0.12)), url("./assets/images/consultation-laptop.png"); }
.advisor-hero { background-image: linear-gradient(90deg, rgba(11, 34, 64, 0.92), rgba(11, 34, 64, 0.6), rgba(11, 34, 64, 0.12)), url("./assets/images/consultation-cafe.png"); }
.member-hero { background-image: linear-gradient(90deg, rgba(11, 34, 64, 0.92), rgba(11, 34, 64, 0.6), rgba(11, 34, 64, 0.12)), url("./assets/images/consultation-outdoor.png"); }
.self-hero { background-image: linear-gradient(90deg, rgba(11, 34, 64, 0.92), rgba(11, 34, 64, 0.6), rgba(11, 34, 64, 0.12)), url("./assets/images/consultation-laptop.png"); }
.about-hero { background-image: linear-gradient(90deg, rgba(11, 34, 64, 0.92), rgba(11, 34, 64, 0.6), rgba(11, 34, 64, 0.12)), url("./assets/images/consultation-cafe.png"); }

.page-hero .section-inner {
  max-width: 900px;
  margin-left: 0;
}

.page-hero h1,
.page-hero p { color: #ffffff; }

.about-hero-band {
  padding: 108px clamp(20px, 5vw, 64px) 78px;
  background:
    linear-gradient(90deg, rgba(0, 26, 70, 0.96), rgba(0, 26, 70, 0.82), rgba(13, 49, 93, 0.66)),
    var(--navy);
}

.text-only-hero {
  padding-top: 72px;
  padding-bottom: 58px;
}

.text-only-hero .section-inner {
  margin-left: auto;
  margin-right: auto;
}

.hero-text-only {
  max-width: 1160px;
  text-align: left;
}

.text-only-hero .about-hero-copy {
  max-width: 860px;
}

.about-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(320px, 0.85fr);
  gap: clamp(28px, 6vw, 72px);
  align-items: center;
}

.about-hero-copy h1,
.about-hero-copy p { color: #ffffff; }

.about-hero-image {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  object-position: center center;
  border-radius: 8px;
  box-shadow: 0 24px 56px rgba(0, 0, 0, 0.32);
}

.logo-hero-image {
  padding: clamp(10px, 2vw, 22px);
  border: 2px solid rgba(212, 161, 44, 0.82);
  object-fit: contain;
  background: #ffffff;
  box-shadow: 0 24px 56px rgba(0, 0, 0, 0.32), 0 18px 38px rgba(212, 161, 44, 0.24);
}

.team-grid {
  display: grid;
  grid-template-columns: minmax(280px, 720px);
  justify-content: center;
  gap: 18px;
}

.team-card {
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 24px;
  align-items: start;
  padding: 24px;
}

.team-card img {
  width: 150px;
  height: 150px;
  object-fit: cover;
  border-radius: 8px;
}

.team-card h3 {
  color: var(--gold);
}

.about-intro-image {
  width: 100%;
  aspect-ratio: 16 / 6;
  object-fit: cover;
  object-position: center center;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.savings-story {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 0.95fr);
  gap: clamp(28px, 6vw, 72px);
  align-items: center;
}

.savings-chart-image {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.chart-footnote {
  margin: 14px 0 0;
  color: var(--muted);
  font-size: 0.78rem;
  font-style: italic;
  line-height: 1.55;
}

.savings-copy h2 {
  color: var(--navy);
  text-align: center;
}

.savings-list {
  display: grid;
  gap: 0;
  margin-top: 28px;
}

.savings-list p {
  position: relative;
  margin: 0;
  padding: 12px 0 12px 46px;
  border-bottom: 1px solid var(--line);
  color: var(--navy);
  font-weight: 800;
}

.savings-list p::before {
  content: "";
  position: absolute;
  left: 6px;
  top: 12px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold);
}

.savings-list p::after {
  content: "";
  position: absolute;
  left: 13px;
  top: 16px;
  width: 7px;
  height: 11px;
  border-right: 3px solid #ffffff;
  border-bottom: 3px solid #ffffff;
  transform: rotate(42deg);
}

.role {
  margin-bottom: 8px;
  color: var(--slate-blue);
  font-weight: 900;
}

.icon-list-grid {
  display: grid;
  gap: 18px;
}

.icon-list-grid article {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 18px;
  align-items: start;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.icon-list-grid img {
  width: 42px;
  height: 42px;
  object-fit: contain;
}

.download-box,
.contact-card {
  align-self: stretch;
  padding: 28px;
}

.download-box img {
  width: 64px;
  height: 64px;
  object-fit: contain;
  margin-bottom: 18px;
}

.check-list {
  display: grid;
  gap: 14px;
}

.check-list p {
  margin: 0;
  padding: 18px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.navy-band .check-list p {
  border-color: rgba(212, 161, 44, 0.76);
  box-shadow: 0 16px 34px rgba(212, 161, 44, 0.12);
}

.navy-band .check-list strong {
  color: var(--gold);
}

.cta-split {
  justify-content: space-between;
}

.cta-split > div {
  max-width: 720px;
}

.contact-form {
  display: grid;
  gap: 16px;
  padding: 26px;
}

label {
  display: grid;
  gap: 7px;
  color: var(--navy);
  font-weight: 900;
}

input, select, textarea {
  width: 100%;
  min-height: 46px;
  padding: 10px 12px;
  border: 1px solid #bbc6d2;
  border-radius: 6px;
  background: #ffffff;
  color: var(--charcoal);
  font: inherit;
}

textarea { resize: vertical; }
.conditional-panel { display: grid; gap: 16px; }
.conditional-panel[hidden] { display: none; }
.form-note { margin-bottom: 0; }

.review-drawer {
  position: relative;
  z-index: 90;
}

.review-overlay {
  position: fixed;
  inset: 0;
  z-index: 90;
  opacity: 0;
  pointer-events: none;
  background: rgba(0, 26, 70, 0.58);
  transition: opacity 180ms ease;
}

.review-sidebar {
  position: fixed;
  inset: 0 0 0 auto;
  z-index: 91;
  width: min(520px, 100vw);
  height: 100vh;
  overflow-y: auto;
  padding: 28px;
  background: #ffffff;
  box-shadow: -24px 0 54px rgba(11, 34, 64, 0.22);
  transform: translateX(100%);
  transition: transform 220ms ease;
}

.review-open {
  overflow: hidden;
}

.review-open .review-overlay {
  opacity: 1;
  pointer-events: auto;
}

.review-open .review-sidebar {
  transform: translateX(0);
}

.review-sidebar-header {
  position: relative;
  display: flex;
  align-items: start;
  justify-content: flex-end;
  gap: 18px;
  min-height: 44px;
  margin-bottom: 10px;
}

.review-wave {
  position: absolute;
  top: -10px;
  left: -32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 76px;
  height: 76px;
  color: var(--gold);
  font-size: 3.5rem;
  line-height: 1;
  filter: drop-shadow(0 12px 20px rgba(11, 34, 64, 0.22));
  pointer-events: none;
}

.review-close {
  flex: 0 0 auto;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #ffffff;
  color: var(--navy);
  font: inherit;
  font-weight: 900;
  cursor: pointer;
}

.review-sidebar-body {
  display: grid;
  gap: 18px;
}

.freshsales-form-shell {
  min-height: 520px;
}

.form-load-error {
  padding: 18px;
  border: 1px solid rgba(212, 161, 44, 0.52);
  border-radius: 8px;
  color: var(--navy);
  background: #fff8e8;
  font-weight: 800;
}

.freshsales-form-shell iframe {
  width: 100% !important;
  max-width: 100% !important;
}

.freshsales-form-shell .fserv-form-loaded .fs-webform-loader {
  display: none !important;
}

.freshsales-form-shell .fserv-form-loaded .fs-webform-container {
  display: block !important;
}

.review-sidebar .freshsales-form-shell .fserv-container {
  padding-top: 16px !important;
}

.review-sidebar .freshsales-form-shell .fserv-form-name {
  margin-top: 0 !important;
  margin-bottom: 14px !important;
}

.review-sidebar .freshsales-form-shell .fserv-form-description {
  margin-bottom: 14px !important;
}

.review-sidebar .freshsales-form-shell .fserv-field {
  margin-top: 10px !important;
  margin-bottom: 8px !important;
}

.review-sidebar .freshsales-form-shell .fserv-field:first-of-type {
  margin-top: 4px !important;
}

.review-sidebar .freshsales-form-shell .fserv-label {
  margin-bottom: 2px !important;
  padding-bottom: 2px !important;
}

.review-sidebar .freshsales-form-shell .fserv-control {
  margin-top: 0 !important;
}

.review-sidebar .freshsales-form-shell .fserv-input-text,
.review-sidebar .freshsales-form-shell .select2-selection {
  min-height: 40px !important;
}

.review-sidebar .freshsales-form-shell .fs-notifier {
  position: sticky !important;
  bottom: 12px !important;
  z-index: 8 !important;
  margin-top: 12px !important;
  padding: 14px 16px !important;
  border: 1px solid rgba(212, 161, 44, 0.82) !important;
  border-radius: 8px !important;
  background: #fff8e8 !important;
  color: var(--navy) !important;
  box-shadow: 0 18px 38px rgba(11, 34, 64, 0.18) !important;
  font-weight: 900 !important;
}

.floating-help {
  position: fixed;
  right: 18px;
  top: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  z-index: 25;
  transform: translateY(-50%) rotate(-90deg);
  transform-origin: right center;
  padding: 12px 18px;
  border: 0;
  border-radius: 8px 8px 0 0;
  background: var(--green);
  color: #ffffff;
  font-weight: 900;
  text-decoration: none;
  box-shadow: 0 12px 28px rgba(11, 34, 64, 0.25);
  cursor: pointer;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
}

th, td {
  padding: 18px;
  text-align: left;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

th {
  color: #ffffff;
  background: var(--navy);
  font-size: 0.9rem;
}

td:first-child {
  width: 30%;
  color: var(--navy);
  font-weight: 900;
}

tr:last-child td { border-bottom: 0; }

.manual-comparison {
  display: grid;
  gap: 14px;
}

.manual-comparison-availability {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.manual-comparison-availability div {
  min-height: 58px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 12px 16px;
  border-radius: 8px;
  background: var(--gold);
  color: var(--navy);
  font-weight: 900;
  line-height: 1.25;
  text-align: center;
}

.manual-comparison-availability .span-three {
  grid-column: span 3;
}

.manual-comparison-grid .plan-card h3 {
  font-size: 1rem;
}

.mobile-availability-label {
  display: none;
}

.comparison-table-wrap {
  border: 0;
  background: transparent;
  box-shadow: none;
}

.comparison-table {
  min-width: 1040px;
  border-collapse: separate;
  border-spacing: 16px 0;
}

.comparison-table th,
.comparison-table td {
  border-color: rgba(255, 255, 255, 0.18);
  background: var(--navy);
}

.comparison-table th {
  color: var(--gold);
  font-size: 0.98rem;
  line-height: 1.28;
}

.comparison-table .availability-heading {
  text-align: center;
  color: var(--navy);
  background: var(--gold);
  font-size: 1rem;
}

.comparison-table td {
  color: #ffffff;
  font-size: 1.08rem;
  font-weight: 900;
}

.comparison-table td:first-child,
.comparison-table .row-label {
  width: 24%;
  color: #b3bfcc;
  font-size: 0.88rem;
  font-weight: 900;
}

.comparison-table thead tr:first-child .row-label {
  border-color: transparent;
  background: transparent;
  box-shadow: none;
}

.comparison-table .deposit-breakdown {
  color: #b3bfcc;
}

.timeline {
  display: grid;
  gap: 0;
}

.timeline article {
  display: grid;
  grid-template-columns: 58px 1fr;
  gap: 22px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
}

.timeline span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 8px;
  background: var(--navy);
  color: #ffffff;
  font-weight: 900;
}

.site-footer {
  padding: 42px clamp(20px, 5vw, 64px);
  border-top: 1px solid var(--line);
  background: var(--navy);
}

.footer-inner {
  width: min(1160px, 100%);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 0.9fr 0.65fr 1.55fr;
  gap: 30px;
}

.footer-brand {
  display: inline-flex;
  align-items: center;
  margin-bottom: 10px;
  color: #ffffff;
  text-decoration: none;
  font-weight: 900;
}

.footer-brand img {
  width: min(280px, 100%);
  height: auto;
  object-fit: contain;
  border-radius: 0;
}

.site-footer h2 {
  color: var(--gold);
  font-size: 1rem;
}

.site-footer p,
.site-footer a {
  color: rgba(255, 255, 255, 0.78);
}

.site-footer a {
  display: block;
  margin: 7px 0;
  text-decoration: none;
  font-weight: 800;
}

.footer-disclosure p {
  font-size: 0.82rem;
  line-height: 1.55;
}

@media (max-width: 1080px) {
  .site-nav { gap: 10px; font-size: 0.82rem; }
  .metric-panel { grid-template-columns: 1fr; }
  .participant-benefits-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .document-grid-four { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 920px) {
  .nav-toggle { display: block; }

  .site-nav {
    position: absolute;
    inset: 100% 16px auto 16px;
    display: none;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #ffffff;
    box-shadow: var(--shadow);
    flex-direction: column;
    align-items: stretch;
  }

  .site-nav.open { display: flex; }

  .card-grid.three,
  .benefit-row,
  .expense-grid,
  .hero-icon-row,
  .document-grid,
  .savings-story,
  .manual-comparison-availability,
  .plan-grid.four,
  .plan-grid.three,
  .plan-grid.two,
  .process-grid.five,
  .process-grid.four,
  .intro-grid,
  .proof-grid,
  .participant-layout,
  .split-feature,
  .two-column,
  .contact-layout,
  .feature-row,
  .feature-row.reverse,
  .about-hero-grid,
  .team-grid,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .page-hero .section-inner { margin-left: auto; }
  .manual-comparison-availability .span-three { display: none; }
  .mobile-availability-label {
    min-height: 58px;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 12px 16px;
    border-radius: 8px;
    background: var(--gold);
    color: var(--navy);
    font-weight: 900;
    line-height: 1.25;
    text-align: center;
  }
  .hero-icon-row article + article { border-left: 0; border-top: 1px solid rgba(212, 161, 44, 0.7); }
}

@media (max-width: 620px) {
  .site-header { min-height: 72px; padding-inline: 14px; }
  .brand { min-width: 160px; width: 190px; }
  .hero { min-height: calc(100vh - 72px); padding-top: 78px; background-position: 58% center; }
  .hero-content h1 { font-size: clamp(1.75rem, 9vw, 2.4rem); }
  .headline-line {
    display: inline;
    white-space: normal;
  }
  .headline-line:first-child::after {
    content: " ";
  }
  .hero-shade { background: rgba(11, 34, 64, 0.74); }
  .button { width: 100%; }
  .path-card { min-height: 0; }
  .team-card,
  .icon-list-grid article,
  .timeline article {
    grid-template-columns: 1fr;
  }
  .floating-help { right: 10px; }
  .section-heading.wide-heading h2,
  .group-plan-heading p { white-space: normal; }
  .participant-benefits-grid { grid-template-columns: 1fr; }
  .hero-icon-row article { min-height: 0; }
  .document-card { padding: 12px; }
}