:root{
  --blue:#005890;--navy:#0b2d4a;--navy-deep:#071d31;--gold:#f8b038;--gold-deep:#e09a1f;--steel:#5890b0;
  --ink:#0f2033;--ink-soft:#4a5d70;--line:#d9e3ec;--mist:#f2f6fa;--white:#fff;
  --display:"Bricolage Grotesque","Helvetica Neue",Arial,sans-serif;--sans:"Instrument Sans","Helvetica Neue",Arial,sans-serif;
  --max:1160px;--gutter:clamp(16px,4vw,40px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);font-size:1.05rem;line-height:1.55;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{font-family:var(--display);font-weight:700;line-height:1.05;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.5rem,7vw,5rem);font-variation-settings:"wdth" 90}
h2{font-size:clamp(1.9rem,4vw,3rem)}
h3{font-size:1.3rem;font-weight:600}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.lede{font-size:clamp(1.1rem,1.5vw,1.3rem);color:var(--ink-soft);max-width:36em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 1rem var(--sans);padding:.85rem 1.4rem;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none;white-space:nowrap}
.btn-gold{background:var(--gold);color:var(--navy-deep)}.btn-gold:hover{background:var(--gold-deep)}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--navy)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-line{background:transparent;color:var(--blue);border-color:var(--blue)}.btn-line:hover{background:var(--mist)}
.btn-lg{font-size:1.1rem;padding:1rem 1.7rem}
[hidden]{display:none!important}

/* header over the video */
.top{position:absolute;top:0;left:0;right:0;z-index:20;color:#fff}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:80px}
.logo img{width:116px}
.nav{display:none;gap:1.5rem;align-items:center}
.nav a{color:#fff;text-decoration:none;font-weight:600}
.nav a:hover{color:var(--gold)}
.burger{display:inline-flex;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.burger span{width:24px;height:2px;background:#fff;display:block}
.menu{display:none;background:var(--navy-deep)}
.menu.open{display:block}
.menu a{display:block;padding:.9rem var(--gutter);border-top:1px solid rgba(255,255,255,.12);color:#fff;text-decoration:none;font-weight:600}
@media(min-width:900px){.nav{display:flex}.burger,.menu{display:none!important}}

/* hero */
.hero{position:relative;min-height:min(92vh,860px);display:flex;align-items:flex-end;background:var(--navy-deep);color:#fff;overflow:hidden;isolation:isolate}
.hero .media{position:absolute;inset:0;z-index:-2}
.hero .media img{position:absolute;inset:0;z-index:1;width:100%;height:100%;object-fit:cover;object-position:60% 30%;transition:opacity .8s}
.hero .media.playing img{opacity:0}
.hero .media iframe{position:absolute;top:50%;left:50%;width:177.78vh;min-width:100%;height:56.25vw;min-height:100%;transform:translate(-50%,-50%);border:0;pointer-events:none}
.hero .shade{position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,29,49,.55) 0%,rgba(7,29,49,.25) 40%,rgba(7,29,49,.92) 100%)}
.hero .wrap{padding-top:120px;padding-bottom:clamp(2.5rem,6vw,4.5rem);width:100%}
.hero h1{max-width:12em;text-wrap:balance}
.hero .lede{color:rgba(255,255,255,.88);max-width:34em}
.hero .acts{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
.hero .mute{position:absolute;right:var(--gutter);bottom:1rem;font-size:.8rem;color:rgba(255,255,255,.6)}

/* ribbon */
.ribbon{background:var(--gold);color:var(--navy-deep);font-weight:600;padding:.9rem 0}
.ribbon .wrap{display:flex;flex-wrap:wrap;gap:.4rem 2.2rem}
.ribbon span{white-space:nowrap}

.sec{padding:clamp(3rem,7vw,5.5rem) 0}
.sec-mist{background:var(--mist)}
.sec-navy{background:var(--navy);color:#fff}
.sec-navy .lede{color:rgba(255,255,255,.8)}
.sec-navy a{color:#fff}

/* the test */
.test{display:grid;gap:2rem}
@media(min-width:900px){.test{grid-template-columns:.9fr 1.1fr;gap:4rem;align-items:center}}
.qcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(1.25rem,3vw,2rem);box-shadow:0 30px 60px -40px rgba(11,45,74,.5)}
.q{padding:1rem 0;border-bottom:1px solid var(--line)}
.q:first-child{padding-top:0}
.q p{font:600 1.15rem var(--display);margin:0 0 .7rem}
.q .opts{display:flex;gap:.5rem}
.q button{flex:1;font:600 1rem var(--sans);padding:.7rem;border-radius:12px;border:2px solid var(--line);background:#fff;cursor:pointer;color:var(--ink)}
.q button[aria-pressed="true"]{border-color:var(--blue);background:var(--blue);color:#fff}
.verdict{margin-top:1.2rem;padding:1rem 1.2rem;border-radius:12px;background:var(--mist);font-weight:500}
.verdict.bad{background:#fff3e0;border-left:5px solid var(--gold)}
.verdict.good{background:#e6f1f8;border-left:5px solid var(--blue)}

/* find form (navy) */
.find{display:grid;gap:2rem}
@media(min-width:900px){.find{grid-template-columns:1fr 1fr;gap:4rem;align-items:start}}
.form{background:#fff;color:var(--ink);border-radius:20px;padding:clamp(1.25rem,3vw,2rem)}
.form h3{font-family:var(--display);font-size:1.5rem;margin-bottom:.3em}
.hint{color:var(--ink-soft);margin-bottom:1.2rem}
.ziprow{display:flex;gap:.6rem;flex-wrap:wrap}
.ziprow input{flex:1 1 150px;font:600 1.5rem var(--display);letter-spacing:.1em;padding:.7rem .9rem;border:2px solid var(--line);border-radius:12px;min-width:0}
.ziprow input:focus{border-color:var(--blue)}
.ziprow .btn{flex:1 1 150px}
.fine{font-size:.88rem;color:var(--ink-soft);margin:1rem 0 0}
.fine a{color:inherit}
.field{display:grid;gap:.3rem;margin-bottom:.85rem}
.field label{font-weight:600;font-size:.92rem}
.field input,.field select,.field textarea{font:1rem var(--sans);padding:.65rem .75rem;border:2px solid var(--line);border-radius:10px;width:100%;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue)}
.two{display:grid;gap:0 .9rem}
@media(min-width:560px){.two{grid-template-columns:1fr 1fr}}
.zipchip{display:flex;align-items:center;justify-content:space-between;gap:1rem;background:var(--mist);border-radius:12px;padding:.7rem .9rem;margin-bottom:1rem}
.zipchip b{font-family:var(--display);font-size:1.2rem;letter-spacing:.08em}
.zipchip button{background:none;border:0;color:var(--blue);font:600 .95rem var(--sans);cursor:pointer;text-decoration:underline}
.err{color:#9b2c1a;font-weight:600;margin:.5rem 0 0}
.done h3{font-size:1.5rem}
.why{list-style:none;padding:0;margin:1.5rem 0 0;display:grid;gap:1rem}
.why li{display:grid;grid-template-columns:2.2rem 1fr;gap:.8rem;align-items:start}
.why i{width:2.2rem;height:2.2rem;border-radius:50%;background:var(--gold);color:var(--navy-deep);display:grid;place-items:center;font-style:normal;font-weight:700}
.why b{display:block;font-family:var(--display);font-size:1.1rem}
.why span{color:rgba(255,255,255,.8)}

/* benefits */
.ben{display:grid;gap:2rem}
@media(min-width:760px){.ben{grid-template-columns:repeat(3,1fr);gap:3rem}}
.ben h3{font-size:1.35rem;margin-bottom:.4em}
.ben p{color:var(--ink-soft);margin:0}
.ben .k{width:44px;height:6px;background:var(--gold);border-radius:3px;margin-bottom:1rem}

/* podcast strip */
.podhead{display:flex;flex-wrap:wrap;align-items:end;justify-content:space-between;gap:1rem;margin-bottom:1.5rem}
.podhead p{max-width:40em;margin:0;color:var(--ink-soft)}
.strip{display:grid;align-items:start;grid-auto-flow:column;grid-auto-columns:min(80vw,340px);gap:1.2rem;overflow-x:auto;padding:0 var(--gutter) 1rem;scroll-snap-type:x mandatory;scroll-padding:var(--gutter);margin:0 calc(-1*var(--gutter))}
.strip::-webkit-scrollbar{height:8px}.strip::-webkit-scrollbar-thumb{background:var(--line);border-radius:4px}
.card{scroll-snap-align:start;background:#fff;border-radius:18px;overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column}
.card.feat{grid-auto-columns:auto}
.card .art{display:block;position:relative;aspect-ratio:3/2;background:var(--navy)}
.card .art img{width:100%;height:100%;object-fit:cover}
.card .play{position:absolute;left:1rem;bottom:1rem;width:48px;height:48px;border-radius:50%;background:var(--gold);display:grid;place-items:center;color:var(--navy-deep);font-size:1.1rem}
.card .body{padding:1.1rem 1.2rem 1.3rem;display:flex;flex-direction:column;gap:.4rem;flex:1}
.card .meta{font-size:.85rem;color:var(--ink-soft)}
.card h3{font-size:1.15rem;line-height:1.25;margin:0}
.card h3 a{color:inherit;text-decoration:none}
.card .teaser{color:var(--ink-soft);font-size:.95rem;margin:0}
.chapters{list-style:none;padding:0;margin:.4rem 0 0;display:grid;gap:.25rem;font-size:.88rem}
.chapters li{display:grid;grid-template-columns:3.2rem 1fr;gap:.4rem}
.chapters time{color:var(--blue);font-weight:600;font-variant-numeric:tabular-nums}
.listen{display:flex;gap:.5rem;flex-wrap:wrap;margin-top:1.2rem}
.listen a{font-size:.88rem;font-weight:600;text-decoration:none;border:1.5px solid var(--line);padding:.4rem .8rem;border-radius:999px;color:var(--ink)}

/* broker band (medium dial) */
.broker{background:var(--blue);color:#fff}
.broker .wrap{display:grid;gap:1.5rem;padding-top:clamp(2.5rem,5vw,4rem);padding-bottom:clamp(2.5rem,5vw,4rem)}
@media(min-width:860px){.broker .wrap{grid-template-columns:1.3fr .7fr;align-items:center;gap:3rem}}
.broker h2{font-size:clamp(1.6rem,3vw,2.3rem)}
.broker p{color:rgba(255,255,255,.85);max-width:40em;margin:0}
.broker .acts{display:flex;flex-direction:column;gap:.7rem;align-items:flex-start}
@media(min-width:860px){.broker .acts{align-items:flex-end}}
.broker small{color:rgba(255,255,255,.7)}

/* guides */
.guides{display:grid;gap:1.5rem;list-style:none;margin:0;padding:0}
@media(min-width:620px){.guides{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.guides{grid-template-columns:repeat(4,1fr)}}
.guides img{border-radius:14px;aspect-ratio:3/2;object-fit:cover;margin-bottom:.8rem}
.guides a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1.05rem;line-height:1.3}
.guides a:hover{color:var(--blue)}
.guides small{display:block;color:var(--ink-soft);margin-top:.3rem}

/* quote */
.quote{max-width:44em}
.quote blockquote{font-family:var(--display);font-weight:600;font-size:clamp(1.4rem,2.8vw,2.1rem);line-height:1.25;margin:0 0 1rem;letter-spacing:-.01em}
.quote cite{font-style:normal;color:var(--ink-soft)}

/* footer */
footer{background:var(--navy-deep);color:#b9c8d6;padding:3rem 0 6rem;font-size:.95rem}
@media(min-width:900px){footer{padding-bottom:2rem}}
footer .wrap{display:grid;gap:2rem}
@media(min-width:800px){footer .wrap{grid-template-columns:1.2fr 1fr 1fr}}
footer img{width:140px;margin-bottom:1rem}
footer a{color:#fff;text-decoration:none}
footer a:hover{text-decoration:underline}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:.35rem 0}
footer h4{color:#fff;margin:0 0 .6rem;font-size:1rem}
.social{display:flex;gap:.6rem;margin-top:1rem}
.social a{width:36px;height:36px;border-radius:50%;border:1px solid #2f4a63;display:grid;place-items:center;font-size:.8rem;font-weight:700}
.preview{grid-column:1/-1;border-top:1px solid #2f4a63;padding-top:1.2rem;color:#8ea3b6;font-size:.85rem}
.preview b{color:var(--gold)}

/* sticky phone CTA */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:30;padding:.6rem var(--gutter) calc(.6rem + env(safe-area-inset-bottom,0px));background:rgba(7,29,49,.92);backdrop-filter:blur(8px);display:flex;gap:.6rem;align-items:center;justify-content:space-between;color:#fff;font-size:.9rem}
.sticky .btn{padding:.7rem 1.2rem}
@media(min-width:900px){.sticky{display:none}}
@media(max-width:899px){.hero .media img{object-position:32% 30%}}