:root{--navy:#071c2c;--navy2:#0d2a3c;--teal:#18bca6;--mint:#dff8f3;--cream:#f7f5ef;--ink:#102432;--muted:#5b6b73;--line:#d8e0df;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"DM Sans",sans-serif;color:var(--ink);background:var(--cream)}a{color:inherit}.site-header{height:80px;padding:0 max(5vw,24px);display:flex;align-items:center;justify-content:space-between;background:var(--white);border-bottom:1px solid #e8eceb}.brand{display:flex;align-items:center;gap:11px;text-decoration:none}.brand-logo{display:block;width:150px;height:40px;object-fit:contain}.phone{text-decoration:none;color:var(--navy);font-weight:700}.phone span{font-weight:400;color:var(--muted);margin-right:8px}.hero{background:var(--navy);color:var(--white);padding:68px max(5vw,24px) 76px;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(340px,.75fr);gap:7vw;align-items:center}.hero-copy{max-width:760px}.eyebrow{color:var(--teal);font:700 12px Manrope;letter-spacing:2px;margin-bottom:20px}.hero h1{font:800 clamp(42px,5vw,72px)/1.05 Manrope;margin:0 0 24px;letter-spacing:-2.5px}.lead{font-size:20px;line-height:1.55;color:#d5e1e5;max-width:690px}.promise{border-left:3px solid var(--teal);padding:3px 0 3px 18px;display:flex;flex-direction:column;gap:5px;margin:32px 0}.promise strong{font:700 17px Manrope}.promise span{color:#b8cbd1;line-height:1.5}.trust-row{display:flex;gap:24px;flex-wrap:wrap;font-size:13px;color:#d5e1e5}.trust-row i{font-style:normal;color:var(--teal);margin-right:5px}.form-card{background:var(--white);color:var(--ink);border-radius:8px;padding:34px;box-shadow:0 24px 70px rgba(0,0,0,.28)}.lock{font:700 11px Manrope;color:#087e70;letter-spacing:1.4px}.form-card h2{font:800 28px/1.2 Manrope;margin:10px 0 6px;letter-spacing:-.6px}.form-card>p{color:var(--muted);margin:0 0 22px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}label{display:block;font-size:12px;font-weight:700;margin:0 0 13px}input{width:100%;margin-top:6px;padding:12px;border:1px solid var(--line);border-radius:4px;font:15px "DM Sans";outline:none}input:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(24,188,166,.12)}.hidden{display:none}.upload-zone{padding:20px;border:1.5px dashed #8dbdb6;border-radius:6px;background:#f4fbf9;text-align:center;cursor:pointer}.upload-zone input{position:absolute;opacity:0;pointer-events:none}.upload-icon{display:block;color:var(--teal);font-size:24px}.upload-zone strong{display:block;font-size:14px;margin:4px}.upload-zone small{font-weight:400;color:var(--muted)}.consent{display:grid;grid-template-columns:18px 1fr;gap:9px;font-weight:400;line-height:1.4;color:var(--muted)}.consent input{width:16px;height:16px;margin:1px 0}.form-card button{width:100%;border:0;border-radius:4px;background:var(--teal);color:#04251f;padding:15px 18px;font:800 15px Manrope;cursor:pointer;display:flex;justify-content:center;gap:10px}.form-card button:hover{background:#28cfb7}.security-note{font-size:11px!important;text-align:center;color:#718087!important;line-height:1.45;margin:12px 0 0!important}.form-error{color:#b42318!important;font-size:12px!important;margin:8px 0 0!important}.relief{padding:80px max(5vw,24px) 48px;display:grid;grid-template-columns:1fr 1fr;gap:9vw;align-items:end}.relief h2,.steps h2{font:800 clamp(32px,4vw,50px)/1.1 Manrope;letter-spacing:-1.5px;margin:0}.relief>p,.steps-copy>p{font-size:18px;line-height:1.65;color:var(--muted);margin:0}.benefits{padding:0 max(5vw,24px) 80px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.benefits article{background:var(--white);padding:30px;border-top:3px solid var(--teal)}.benefits article>span{font:700 12px Manrope;color:var(--teal)}.benefits h3{font:700 20px Manrope;margin:18px 0 8px}.benefits p{color:var(--muted);line-height:1.55;margin:0}.steps{background:var(--white);padding:80px max(5vw,24px);display:grid;grid-template-columns:1fr 1fr;gap:10vw;align-items:center}.text-link{display:inline-block;color:#078c7b;font-weight:700;margin-top:22px;text-decoration:none}.steps ol{list-style:none;margin:0;padding:0;counter-reset:step}.steps li{position:relative;border-bottom:1px solid var(--line);padding:22px 0 22px 58px;display:flex;flex-direction:column;gap:5px}.steps li:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:20px;display:grid;place-items:center;width:36px;height:36px;background:var(--mint);color:#087e70;border-radius:50%;font-weight:700}.steps li b{font:700 17px Manrope}.steps li span{color:var(--muted);line-height:1.5}.final-cta{text-align:center;background:var(--teal);padding:72px 24px;color:#06281f}.final-cta p{font:700 12px Manrope;letter-spacing:1.7px}.final-cta h2{font:800 clamp(30px,4vw,48px)/1.15 Manrope;max-width:820px;margin:15px auto 28px}.final-cta a{display:inline-block;background:var(--navy);color:var(--white);padding:15px 24px;text-decoration:none;border-radius:4px;font-weight:700}footer{background:#04131e;color:#9eb1bb;padding:52px max(5vw,24px);font-size:12px;line-height:1.6}.brand-light{background:#fff;padding:7px 11px;border-radius:4px;margin-bottom:24px;width:max-content}footer>div{display:flex;gap:24px;flex-wrap:wrap;margin-bottom:20px}footer>div a{color:#d6e2e6;text-decoration:none}footer>p{max-width:970px}.copyright{border-top:1px solid #18303e;padding-top:18px;margin-top:22px}
@media(max-width:900px){.hero{grid-template-columns:1fr}.hero-copy{max-width:none}.relief,.steps{grid-template-columns:1fr;gap:36px}.benefits{grid-template-columns:1fr}.phone span{display:none}}
@media(max-width:560px){.site-header{height:68px}.phone{font-size:13px}.hero{padding-top:46px}.hero h1{font-size:40px}.form-card{padding:24px 18px}.field-grid{grid-template-columns:1fr;gap:0}.trust-row{gap:12px}.relief,.steps{padding-top:58px;padding-bottom:58px}}
.position-tool{margin:18px 0}.position-tool-head,.upload-step{display:flex;align-items:end;justify-content:space-between;margin-bottom:10px}.position-tool-head span,.upload-step span{font:700 10px Manrope;color:#087e70;letter-spacing:1.2px}.position-tool-head h3,.upload-step h3{font:700 16px Manrope;margin:2px 0}.position-tool-head small{color:var(--muted)}.position-card{border:1px solid var(--line);border-radius:6px;padding:14px;margin-bottom:10px;background:#fbfcfb}.position-title{display:flex;justify-content:space-between;margin-bottom:10px}.position-title strong{font:700 13px Manrope}.position-title .remove-position{width:auto;padding:0;background:none;color:#a33;font:600 10px "DM Sans";text-decoration:underline}.position-card label small{font-weight:400;color:var(--muted)}.position-money,.payment-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}.money-input{display:flex;align-items:center;background:#fff;border:1px solid var(--line);border-radius:4px;padding-left:9px;font-size:14px;margin-top:6px}.money-input input{border:0;margin:0;box-shadow:none;padding-left:5px;min-width:0}.payment-row fieldset{border:0;padding:0;margin:0}.payment-row legend{font-size:12px;font-weight:700;margin-bottom:6px}.frequency-toggle{display:grid;grid-template-columns:1fr 1fr}.frequency-toggle input{position:absolute;opacity:0}.frequency-toggle label{margin:0;padding:12px 8px;text-align:center;border:1px solid var(--line);background:#fff;cursor:pointer}.frequency-toggle label:first-of-type{border-radius:4px 0 0 4px}.frequency-toggle label:last-of-type{border-radius:0 4px 4px 0}.frequency-toggle input:checked+label{background:var(--navy);color:#fff;border-color:var(--navy)}.add-position{background:#eef8f6!important;color:#087e70!important;border:1px dashed #8dbdb6!important;margin-bottom:12px}.estimate-panel{border:1px solid #a8ded6;background:#f4fbf9;border-radius:6px;padding:14px;margin-bottom:18px}.estimate-heading{font:700 10px Manrope;letter-spacing:1.2px;color:#087e70}.savings-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-top:10px}.savings-grid div{background:#fff;padding:9px;border-radius:4px}.savings-grid small{display:block;color:var(--muted);font-size:9px;line-height:1.25;min-height:34px}.savings-grid strong{display:block;font:700 16px Manrope;margin-top:4px}.savings-grid .highlight{background:var(--teal);color:#052a23}.savings-grid .highlight small{color:#174d45}.estimate-disclaimer{font-size:9px!important;line-height:1.4;color:#66797d!important;margin:10px 0 0!important}.upload-step{justify-content:flex-start;gap:8px;align-items:center;margin-top:4px}
@media(max-width:560px){.position-money,.payment-row{grid-template-columns:1fr}.savings-grid{grid-template-columns:1fr}.savings-grid small{min-height:0}}
.cash-section{background:#fff;padding:86px max(5vw,24px)}.cash-heading{display:grid;grid-template-columns:1.05fr .95fr;gap:8vw;align-items:end}.cash-heading h2{font:800 clamp(34px,4vw,54px)/1.08 Manrope;letter-spacing:-1.6px;margin:0}.cash-heading>p{font-size:18px;line-height:1.65;color:var(--muted);margin:0}.cash-dashboard{margin:44px 0 22px;background:var(--navy);color:#fff;border-radius:8px;padding:28px 32px;display:grid;grid-template-columns:.8fr 1.2fr;gap:28px;align-items:center}.cash-total span{font:700 10px Manrope;color:var(--teal);letter-spacing:1.2px}.cash-total strong{display:block;font:800 clamp(36px,5vw,62px) Manrope;color:var(--teal);margin:5px 0}.cash-total p{color:#b8cbd1;margin:0;max-width:330px;line-height:1.45}.cash-timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.cash-timeline div{background:#102f42;padding:18px;border-radius:5px}.cash-timeline small{display:block;color:#9eb5bf}.cash-timeline strong{display:block;font:700 24px Manrope;margin-top:8px}.use-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.use-grid article{border:1px solid var(--line);padding:24px}.use-grid span{font:700 10px Manrope;letter-spacing:1.2px;color:#087e70}.use-grid h3{font:700 18px Manrope;margin:12px 0 8px}.use-grid p{color:var(--muted);line-height:1.55;margin:0;font-size:14px}.cash-note{text-align:center;color:#7b898e;font-size:11px;margin:18px 0 0}
@media(max-width:900px){.cash-heading,.cash-dashboard{grid-template-columns:1fr}.use-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.cash-section{padding-top:60px;padding-bottom:60px}.cash-dashboard{padding:22px 18px}.cash-timeline,.use-grid{grid-template-columns:1fr}}
.renewal-section{padding:86px max(5vw,24px);background:var(--navy);color:#fff;display:grid;grid-template-columns:.8fr 1.2fr;gap:7vw;align-items:center}.renewal-copy h2{font:800 clamp(34px,4vw,54px)/1.08 Manrope;letter-spacing:-1.6px;margin:0 0 22px}.renewal-copy>p{color:#c0d0d5;font-size:18px;line-height:1.65}.renewal-example{border-left:3px solid var(--teal);padding-left:18px;margin-top:28px}.renewal-example strong{font:700 15px Manrope}.renewal-example p{color:#adc0c7;line-height:1.5;margin:5px 0}.renewal-calculator{background:#fff;color:var(--ink);padding:30px;border-radius:8px;box-shadow:0 22px 60px rgba(0,0,0,.26)}.calculator-title span{font:700 10px Manrope;color:#087e70;letter-spacing:1.2px}.calculator-title h3{font:800 25px Manrope;margin:5px 0 20px}.calc-group{border-top:1px solid var(--line);padding-top:13px;margin-top:12px}.calc-group>p{font:700 12px Manrope;margin:0 0 10px}.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.calc-grid.two{grid-template-columns:1fr 1fr}.calc-grid label{margin:0}.renewal-results{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:20px}.renewal-results div{background:#f2f5f4;padding:12px;border-radius:4px}.renewal-results small{display:block;color:var(--muted);font-size:9px;line-height:1.25;min-height:24px}.renewal-results strong{display:block;font:700 18px Manrope;margin-top:5px}.renewal-results em{display:block;font-size:9px;color:var(--muted);font-style:normal}.renewal-results .fresh{background:var(--mint)}.renewal-results .warning{background:#fff0df}.renewal-meter{height:7px;background:#e6edeb;border-radius:10px;margin-top:14px;overflow:hidden}.renewal-meter span{display:block;height:100%;background:var(--teal);transition:width .25s}.calc-explanation{font-size:12px;line-height:1.55;color:#43565d;background:#f7f8f7;padding:12px;margin:10px 0}.renewal-calculator .estimate-disclaimer{color:#65767b!important}
.overlap-breakdown{margin-top:14px;border:2px solid #f0b96e;border-radius:6px;overflow:hidden}.overlap-title{background:#fff4e5;padding:14px 16px}.overlap-title span{font:800 9px Manrope;color:#a25700;letter-spacing:1.2px}.overlap-title h4{font:700 16px Manrope;margin:4px 0 0}.overlap-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#eadfce}.overlap-grid>div{background:#fff;padding:14px}.overlap-grid small{display:block;color:#6b7375;font-size:9px;line-height:1.3;min-height:25px}.overlap-grid strong{display:block;font:800 21px Manrope;margin:6px 0;color:#9b5000}.overlap-grid p{font-size:9px;line-height:1.35;color:#69777b;margin:0}.overlap-grid .overlap-highlight{background:#fff0d9}.true-cost{background:#071c2c;color:#fff;padding:17px;display:grid;grid-template-columns:1fr auto;gap:4px 16px;align-items:center}.true-cost span{font:700 12px Manrope}.true-cost strong{font:800 28px Manrope;color:#18bca6;grid-row:span 2}.true-cost p{font-size:9px;color:#a9bdc5;margin:0}
@media(max-width:1000px){.renewal-section{grid-template-columns:1fr}.renewal-copy{max-width:760px}.renewal-results{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.renewal-section{padding-top:60px;padding-bottom:60px}.renewal-calculator{padding:22px 16px}.calc-grid,.calc-grid.two{grid-template-columns:1fr}.renewal-results,.overlap-grid{grid-template-columns:1fr}.true-cost{grid-template-columns:1fr}.true-cost strong{grid-row:auto}}