:root{
  --bg:#fafaf9;
  --surface:#ffffff;
  --surface-2:#f4f6f5;
  --border:rgba(15,23,42,.10);
  --border-strong:rgba(15,23,42,.18);
  --text:#0f172a;
  --text-muted:#475569;
  --text-subtle:#6b7280;
  --primary:#16a34a;
  --primary-700:#15803d;
  --primary-800:#166534;
  --primary-50:#ecfdf5;
  --primary-100:#d1fae5;
  --emerald-600:#059669;
  --emerald-700:#047857;
  --emerald-800:#065f46;
  --emerald-900:#064e3b;
  --teal-600:#0d9488;
  --accent:#0f172a;
  --error:#dc2626;
  --error-bg:#fee2e2;
  --radius:10px;
  --radius-lg:14px;
  --radius-pill:9999px;
  --shadow-sm:0 1px 2px rgba(15,23,42,.05);
  --shadow:0 1px 2px rgba(15,23,42,.05), 0 6px 20px rgba(15,23,42,.08);
  --shadow-lg:0 10px 40px rgba(15,23,42,.14);
  --ring:0 0 0 4px rgba(22,163,74,.18);
  --ease:cubic-bezier(.32,.72,0,1);
  --font-sans:'Inter',ui-sans-serif,system-ui,-apple-system,'Segoe UI',sans-serif;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font:16px/1.55 var(--font-sans);
  color:var(--text);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  letter-spacing:-.005em;
  min-height:100vh;
  display:flex;
  flex-direction:column;
}
button,input,select{font:inherit;color:inherit}
button{cursor:pointer;background:none;border:0}
a{color:inherit;text-decoration:none}
img,svg{display:block;max-width:100%}

/* HEADER */
.site-header{
  background:#fff;
  border-bottom:1px solid var(--border);
  padding:14px 16px;
}
.brand{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:12px;
  max-width:1280px;
  margin:0 auto;
}
.brand-mark{
  width:42px;height:42px;
  border-radius:12px;
  background:linear-gradient(135deg,#059669,#10b981);
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 8px 20px -8px rgba(5,150,105,.55);
  position:relative;
  transition:transform .3s var(--ease);
}
.brand:hover .brand-mark{transform:scale(1.06)}
.brand-mark svg{width:24px;height:24px;color:#fff;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.brand-mark::after{
  content:"";
  position:absolute;right:-3px;bottom:-3px;
  width:16px;height:16px;border-radius:50%;
  background:#22c55e;
  background-image:radial-gradient(circle at 30% 30%,#fff 0,#fff 2px,transparent 2.5px);
  box-shadow:0 2px 6px rgba(34,197,94,.5);
}
.brand-name{
  font-size:22px;font-weight:900;letter-spacing:-.02em;
  background:linear-gradient(90deg,#059669,#10b981,#0d9488);
  -webkit-background-clip:text;background-clip:text;color:transparent;
  line-height:1;
}
.brand-vertical{
  display:block;
  font-size:11px;font-weight:800;color:#000;
  letter-spacing:.04em;margin-top:4px;margin-left:22px;
}

/* HERO STRIP */
.hero{
  position:relative;
  background:linear-gradient(135deg,#059669 0%,#047857 55%,#065f46 100%);
  color:#fff;
  padding:28px 16px;
  overflow:hidden;
}
.hero::before{
  content:"";
  position:absolute;inset:0;
  opacity:.07;
  background-image:url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner{
  position:relative;z-index:1;
  max-width:1100px;margin:0 auto;
  text-align:center;
  font-weight:700;
  letter-spacing:-.01em;
  font-size:clamp(1.05rem,3.6vw,2rem);
  line-height:1.2;
}
.hero-inner .accent{color:#fde68a}
.trust-row{
  margin-top:14px;
  display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:14px 22px;
  font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:rgba(255,255,255,.85);
}
.trust-row span{display:inline-flex;align-items:center;gap:6px}
.trust-row svg{width:14px;height:14px}

/* PROGRESS */
.progress-wrap{
  background:#fff;
  border-bottom:1px solid var(--border);
  padding:14px 16px 16px;
}
.progress-inner{max-width:760px;margin:0 auto}
.progress-bar{
  height:8px;width:100%;
  background:#e5e7eb;
  border-radius:9999px;
  overflow:hidden;
}
.progress-fill{
  height:100%;width:0%;
  background:linear-gradient(90deg,#10b981,#059669);
  border-radius:9999px;
  transition:width .5s cubic-bezier(.22,1,.36,1);
}
.progress-label{
  margin-top:8px;
  display:flex;justify-content:space-between;align-items:center;
  font-size:12px;font-weight:700;color:var(--text-muted);
  letter-spacing:.02em;
}
.progress-label .pct{color:var(--primary-700)}

/* MAIN CARD */
main{flex:1;padding:28px 16px 48px}
.card{
  max-width:760px;margin:0 auto;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:18px;
  box-shadow:var(--shadow);
  padding:32px 28px;
}
@media(min-width:768px){
  .card{padding:48px 56px}
  main{padding:48px 16px 80px}
}

/* STEPS */
.step{display:none;animation:stepIn .32s var(--ease)}
.step.active{display:block}
@keyframes stepIn{
  from{opacity:0;transform:translateY(8px)}
  to{opacity:1;transform:translateY(0)}
}
.question{
  font-size:clamp(1.4rem,2.8vw,1.85rem);
  font-weight:800;
  letter-spacing:-.02em;
  line-height:1.18;
  margin:4px 0 28px;
  text-align:left;
}
.question .hl{color:var(--primary-700)}
.subhint{
  font-size:14px;color:var(--text-muted);
  display:flex;gap:8px;align-items:flex-start;
  margin:-16px 0 22px;
}
.subhint svg{flex-shrink:0;color:#3b82f6;width:18px;height:18px;margin-top:1px}

/* OPTION BUTTONS */
.opt-grid{display:grid;gap:12px}
.opt-grid.cols-2{grid-template-columns:1fr}
@media(min-width:560px){.opt-grid.cols-2{grid-template-columns:repeat(2,1fr)}}
.opt-grid.cols-3{grid-template-columns:repeat(2,1fr)}
@media(min-width:560px){.opt-grid.cols-3{grid-template-columns:repeat(3,1fr)}}
.opt-grid.cols-4{grid-template-columns:repeat(2,1fr)}
@media(min-width:560px){.opt-grid.cols-4{grid-template-columns:repeat(4,1fr)}}
.opt-grid.cols-5{grid-template-columns:repeat(5,minmax(0,1fr));gap:10px}
@media(min-width:560px){.opt-grid.cols-5{grid-template-columns:repeat(7,minmax(0,1fr))}}
.opt-grid.stack{grid-template-columns:1fr;max-width:420px;margin:0 auto}

.opt{
  position:relative;
  width:100%;
  min-height:60px;
  padding:16px 18px;
  background:#fff;
  border:2px solid var(--primary);
  color:var(--primary-700);
  border-radius:10px;
  font-size:17px;font-weight:700;letter-spacing:-.01em;
  display:flex;align-items:center;justify-content:center;text-align:center;
  transition:all .18s var(--ease);
  box-shadow:0 1px 0 rgba(15,23,42,.02);
}
.opt:hover{
  background:var(--primary-50);
  transform:translateY(-1px);
  box-shadow:0 6px 16px -8px rgba(22,163,74,.4);
}
.opt:active{transform:translateY(0)}
.opt.selected{
  background:var(--primary);
  color:#fff;
  border-color:var(--primary-700);
  box-shadow:0 8px 22px -8px rgba(22,163,74,.6);
}
.opt.pill{
  border-radius:9999px;
  font-size:22px;
  min-height:64px;
}
.opt.num{font-size:18px;min-height:54px;padding:10px}

/* SAVINGS CALLOUT */
.callout{
  margin:8px auto 20px;
  display:flex;align-items:center;gap:12px;
  width:fit-content;
  background:var(--primary-100);
  padding:10px 16px;
  border-radius:12px;
  box-shadow:0 4px 12px -6px rgba(5,150,105,.4);
}
.callout svg{color:var(--emerald-800);width:22px;height:22px;flex-shrink:0}
.callout .txt{font-weight:800;color:var(--emerald-900);font-size:14px;line-height:1.3}

/* INPUTS */
.field{display:flex;flex-direction:column;gap:6px}
.input{
  width:100%;
  height:60px;
  padding:0 18px;
  border-radius:12px;
  border:2px solid var(--border-strong);
  background:#fff;
  font-size:20px;font-weight:600;letter-spacing:-.01em;
  color:var(--text);
  transition:all .18s var(--ease);
}
.input::placeholder{color:#9ca3af;font-weight:500}
.input:focus{
  outline:none;
  border-color:var(--primary);
  box-shadow:var(--ring);
}
.input.error{border-color:var(--error);background:var(--error-bg)}
.error-msg{
  display:none;color:var(--error);font-size:13px;font-weight:700;margin-top:6px;
}
.error-msg.show{display:block}
.helper{
  margin-top:8px;font-size:13px;color:var(--text-muted);font-weight:500;
}
.helper b{font-weight:800;color:var(--text)}

/* CONTINUE */
.continue-row{
  margin-top:22px;
  display:flex;align-items:center;gap:14px;
}
.continue-row.hidden-row{display:none}
.btn-primary{
  height:56px;
  padding:0 28px;
  background:linear-gradient(180deg,#16a34a,#15803d);
  color:#fff;
  border-radius:12px;
  font-size:17px;font-weight:800;letter-spacing:.01em;
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  width:100%;
  box-shadow:0 10px 24px -10px rgba(22,163,74,.7),inset 0 1px 0 rgba(255,255,255,.18);
  transition:all .18s var(--ease);
}
@media(min-width:560px){.btn-primary{width:auto;min-width:280px}}
.btn-primary:hover{filter:brightness(1.05);transform:translateY(-1px);box-shadow:0 14px 30px -10px rgba(22,163,74,.75)}
.btn-primary:active{transform:translateY(0)}
.btn-primary:disabled{opacity:.5;cursor:not-allowed;filter:none;transform:none}
.btn-primary.full{width:100%}
.press-enter{
  display:none;font-size:13px;font-weight:700;color:var(--text-muted);
  align-items:center;gap:6px;
}
@media(min-width:768px){.press-enter{display:inline-flex}}
.press-enter svg{width:18px;height:18px}

/* TCPA */
.tcpa{
  margin-top:18px;
  font-size:11.5px;
  line-height:1.55;
  color:#6b7280;
}
.tcpa a{text-decoration:underline;color:#4b5563}
.tcpa a:hover{color:#111827}

/* LOADING */
.loading-wrap{
  display:none;
  max-width:760px;margin:0 auto;
  padding:48px 28px;
  text-align:center;
  background:#fff;
  border:2px solid var(--border-strong);
  border-radius:18px;
}
.loading-wrap.show{display:block;animation:stepIn .3s var(--ease)}
.loading-title{
  font-size:clamp(1.1rem,2.4vw,1.5rem);
  font-weight:800;letter-spacing:-.01em;
  margin-bottom:24px;
}
.loading-title .hl{color:var(--primary-700)}
.bars{display:inline-flex;gap:5px;height:36px;align-items:flex-end}
.bars i{display:block;width:6px;background:var(--primary);border-radius:3px;animation:bars 1.1s var(--ease) infinite}
.bars i:nth-child(1){animation-delay:0s}
.bars i:nth-child(2){animation-delay:.12s}
.bars i:nth-child(3){animation-delay:.24s}
.bars i:nth-child(4){animation-delay:.36s}
.bars i:nth-child(5){animation-delay:.48s}
@keyframes bars{0%,100%{height:8px}50%{height:32px}}
.loading-text{margin-top:14px;font-size:15px;color:var(--text-muted)}

/* SUCCESS */
.success-wrap{
  display:none;
  max-width:640px;margin:0 auto;
  padding:56px 32px;
  text-align:center;
  background:#fff;
  border:1px solid var(--border);
  border-radius:18px;
  box-shadow:var(--shadow);
}
.success-wrap.show{display:block;animation:stepIn .35s var(--ease)}
.check-circle{
  width:84px;height:84px;border-radius:50%;
  background:linear-gradient(135deg,#10b981,#059669);
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 20px;
  box-shadow:0 16px 36px -12px rgba(16,185,129,.55);
  animation:pop .5s var(--ease);
}
@keyframes pop{0%{transform:scale(.6);opacity:0}60%{transform:scale(1.08)}100%{transform:scale(1);opacity:1}}
.check-circle svg{width:42px;height:42px;color:#fff;stroke:currentColor;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.success-wrap h2{font-size:28px;font-weight:800;letter-spacing:-.02em;margin:0 0 8px}
.success-wrap p{font-size:16px;color:var(--text-muted);margin:0 0 8px;line-height:1.55}

/* FOOTER */
.site-footer{
  background:#fff;
  border-top:1px solid var(--border);
  padding:18px 16px;
  text-align:center;
  font-size:12.5px;
  color:var(--text-subtle);
}
.site-footer a{color:var(--text-muted);text-decoration:underline;text-underline-offset:2px}
.site-footer a:hover{color:var(--text)}
.site-footer .sep{margin:0 10px;color:#cbd5e1}
.site-footer .copy{display:block;margin-top:8px;color:#94a3b8;font-size:11.5px}

.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}