:root{
  --navy:#0a1628; --navy-mid:#112040; --card:#0e1e38;
  --gold:#c9a84c; --gold-lt:#e8c96a;
  --white:#f7f5f0; --muted:#8a9ab5; --err:#ff8a7a; --ok:#3ec97a;
  --border:rgba(201,168,76,.18);
  --head:'DM Serif Display',Georgia,serif; --body:'DM Sans',system-ui,sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--navy);color:var(--white);font-family:var(--body);font-size:16px;line-height:1.6;overflow-x:clip}
a{color:var(--gold-lt)}
.wrap{max-width:760px;margin:0 auto;padding:0 5vw}
.skip{position:absolute;left:-9999px}.skip:focus{left:8px;top:8px;z-index:200;background:var(--gold);color:var(--navy);padding:.4em .8em;border-radius:6px}
nav{position:fixed;inset:0 0 auto 0;z-index:100;display:flex;align-items:center;justify-content:space-between;height:60px;padding:0 5vw;background:rgba(10,22,40,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--border)}
.logo{font-family:var(--head);font-size:1.15rem;color:var(--white);text-decoration:none}
.logo span{color:var(--gold)}
.nav-right{display:flex;gap:14px;align-items:center}
.nav-nmls{font-size:.72rem;color:var(--muted);letter-spacing:.06em}
.saved{font-size:.72rem;color:var(--ok)}
.progress-wrap{position:sticky;top:60px;z-index:90;background:var(--navy);padding:12px 5vw 10px;border-bottom:1px solid var(--border)}
.progress-meta{max-width:760px;margin:0 auto 6px;display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);letter-spacing:.04em}
.progress{max-width:760px;margin:0 auto;height:6px;background:var(--navy-mid);border-radius:999px;overflow:hidden}
.progress .bar{height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--gold-lt));transition:width .3s ease}
body{padding-top:60px}
main.wrap{padding-top:8px}
.panel{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:30px 26px;margin:18px 0 18px}
.eyebrow{display:inline-block;font-size:.7rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);border:1px solid var(--border);border-radius:999px;padding:.4em 1.1em;margin-bottom:1rem}
h1{font-family:var(--head);font-weight:400;font-size:clamp(1.9rem,5vw,2.7rem);line-height:1.12;margin-bottom:.8rem}
h1 em{font-style:italic;color:var(--gold-lt)}
h2{font-family:var(--head);font-weight:400;font-size:1.6rem;margin-bottom:.3rem;line-height:1.2}
h3{font-family:var(--head);font-weight:400;font-size:1.2rem;margin:1.6rem 0 .8rem;color:var(--gold-lt)}
h4{font-size:.95rem;font-weight:600;margin:1rem 0 .6rem}
.pdesc{color:var(--muted);font-size:.93rem;margin-bottom:1.4rem}
.small{font-size:.82rem;color:var(--muted)}
.list{margin:.6rem 0 1rem 1.1rem;color:var(--muted);font-size:.92rem}
.list li{margin-bottom:.3rem}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.grid .full{grid-column:1/-1}
.field{margin-bottom:1.1rem}
.field>label,.field>.lbl,fieldset>legend{display:block;font-size:.76rem;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:var(--gold);margin-bottom:.45rem}
.field .hint{font-size:.8rem;color:var(--muted);margin-top:.3rem}
fieldset{border:none;margin-bottom:1.1rem}
fieldset.q>legend{text-transform:none;letter-spacing:0;font-size:.95rem;color:var(--white);font-weight:500;line-height:1.45}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=month],select,textarea{width:100%;background:var(--navy-mid);border:1px solid var(--border);border-radius:8px;color:var(--white);font-family:var(--body);font-size:1rem;padding:.75em .9em;min-height:46px}
select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--gold) 50%),linear-gradient(135deg,var(--gold) 50%,transparent 50%);background-position:calc(100% - 18px) 50%,calc(100% - 12px) 50%;background-size:6px 6px;background-repeat:no-repeat;padding-right:2.2em}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:0;border-color:var(--gold)}
input[type=month]{color-scheme:dark}
.invalid input,.invalid select,.invalid .opts{outline:1px solid var(--err);border-radius:8px}
.err{color:var(--err);font-size:.8rem;margin-top:.3rem}
.opts{display:flex;flex-wrap:wrap;gap:8px}
.opt{position:relative}
.opt input{position:absolute;opacity:0;width:1px;height:1px}
.opt span{display:inline-block;background:var(--navy-mid);border:1px solid var(--border);border-radius:999px;color:var(--white);font-size:.9rem;padding:.55em 1.1em;cursor:pointer;transition:border-color .15s,background .15s;min-height:40px;line-height:1.6}
.opt span:hover{border-color:var(--gold)}
.opt input:checked+span{background:var(--gold);color:var(--navy);font-weight:600;border-color:var(--gold)}
.opt input:focus-visible+span{outline:2px solid var(--gold-lt);outline-offset:2px}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:6px 14px}
.chk{display:flex;gap:.6em;align-items:flex-start;font-size:.92rem;cursor:pointer;padding:.25em 0}
.chk input{margin-top:.28em;width:18px;height:18px;accent-color:var(--gold);flex:none}
.card{background:var(--navy-mid);border:1px solid var(--border);border-radius:12px;padding:18px 16px 6px;margin-bottom:14px}
.card-h{display:flex;justify-content:space-between;align-items:center;margin-bottom:.8rem}
.card-h strong{font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
.link-btn{background:none;border:none;color:var(--muted);font-family:var(--body);font-size:.85rem;cursor:pointer;text-decoration:underline}
.link-btn:hover{color:var(--white)}
.btn{display:inline-block;background:var(--gold);color:var(--navy);border:none;border-radius:8px;font-family:var(--body);font-weight:700;font-size:1rem;letter-spacing:.02em;padding:.9em 2em;cursor:pointer;text-decoration:none;transition:background .15s;min-height:48px}
.btn:hover{background:var(--gold-lt)}
.btn:disabled{opacity:.45;cursor:not-allowed}
.btn-ghost{display:inline-block;background:transparent;color:var(--gold-lt);border:1px solid var(--border);border-radius:8px;font-family:var(--body);font-weight:600;font-size:.95rem;padding:.85em 1.6em;text-decoration:none;cursor:pointer;min-height:48px}
.btn-ghost:hover{border-color:var(--gold)}
.nav-btns{display:flex;justify-content:space-between;gap:12px;margin:0 0 60px}
.nav-btns .spacer{flex:1}
.notice{border-left:3px solid var(--gold);background:rgba(201,168,76,.07);padding:12px 14px;border-radius:0 8px 8px 0;font-size:.9rem;margin:1rem 0}
.notice.strong{font-weight:500}
.review-sec{border-top:1px solid var(--border);padding:14px 0}
.review-sec:first-of-type{border-top:none}
.review-sec .rh{display:flex;justify-content:space-between;align-items:center}
.review-sec .rh strong{font-family:var(--head);font-weight:400;font-size:1.1rem}
.review-sec dl{display:grid;grid-template-columns:minmax(120px,40%) 1fr;gap:4px 12px;font-size:.88rem;margin-top:.5rem}
.review-sec dt{color:var(--muted)}
.review-sec dd{word-break:break-word}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.alert{background:rgba(255,138,122,.1);border:1px solid rgba(255,138,122,.4);color:var(--err);padding:10px 12px;border-radius:8px;font-size:.9rem;margin:0 0 1rem}
.done-ref{font-family:monospace;color:var(--gold-lt)}
footer{border-top:1px solid var(--border);padding:36px 5vw 56px;text-align:center}
footer .fid{font-family:var(--head);font-size:1.05rem;margin-bottom:.6rem}
footer .fid span{color:var(--gold)}
footer p{font-size:.76rem;color:var(--muted);max-width:760px;margin:0 auto .5rem;line-height:1.7}
@media (max-width:640px){
  .grid,.checks{grid-template-columns:1fr}
  .panel{padding:22px 16px}
  .nav-nmls{display:none}
  .review-sec dl{grid-template-columns:1fr}
  .review-sec dd{margin-bottom:6px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}html{scroll-behavior:auto}}
.field>label.chk{text-transform:none;letter-spacing:0;font-size:.92rem;color:var(--white);font-weight:400;line-height:1.5}
.field>label.chk span{padding-top:.05em}
footer .ehl{color:var(--white);font-weight:500}
footer .tx-notice{font-size:.74rem;color:var(--white);opacity:.9;border:1px solid var(--border);border-radius:8px;padding:10px 12px;margin-top:1rem;text-align:left;letter-spacing:.01em}
.consent-box p{line-height:1.55}
footer .ehl{display:flex;align-items:center;justify-content:center;gap:8px}
footer .ehl-logo{flex:none;color:var(--white)}