/* ——— Self-hosted Inter (variable, latin). No Google CDN. ——— */
@font-face {
  font-family: 'Inter';
  src: url('/fonts/InterVariable.woff2') format('woff2-variations'),
       url('/fonts/InterVariable.woff2') format('woff2');
  font-weight: 100 900;
  font-style: normal;
  font-display: swap;
}

/* ——— Brand tokens (handoff §4 / §5) ——— */
:root {
  --cream:        #F4EDE0;
  --navy:         #0A1628;
  --red:          #D93B3B;
  --red-2:        #C42E2E;
  --gold:         #E8B23A;
  --gold-2:       #C99422;
  --white:        #FFFFFF;
  --rule-on-cream: rgba(10, 22, 40, 0.18);
  --rule-on-navy:  rgba(244, 237, 224, 0.18);
  --eyebrow-on-cream: rgba(10, 22, 40, 0.6);
  --eyebrow-on-navy:  rgba(244, 237, 224, 0.6);
  --sans: 'Inter', system-ui, -apple-system, 'Helvetica Neue', Arial, sans-serif;
}

/* ——— Reset & base ——— */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  background: var(--cream);
  color: var(--navy);
  font-size: 15px;
  line-height: 1.45;
  font-weight: 500;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
a { color: inherit; text-decoration: none; }
::selection { background: var(--red); color: var(--white); }

/* Skip-to-content link — translated off-screen until focused */
.skip-link {
  position: absolute;
  top: 8px;
  left: 16px;
  background: var(--navy);
  color: var(--cream);
  padding: 10px 16px;
  border-radius: 6px;
  font-weight: 800;
  font-size: 14px;
  z-index: 100;
  transform: translateY(-150%);
  transition: transform .2s ease;
}
.skip-link:focus { transform: translateY(0); outline: 2px solid var(--red); outline-offset: 2px; }

/* Sticky-nav lift — drop-shadow grows as the page scrolls (progressive enhancement) */
@supports (animation-timeline: scroll()) {
  nav.top {
    animation: navLift linear both;
    animation-timeline: scroll(root);
    animation-range: 0 80px;
  }
  @keyframes navLift {
    to { box-shadow: 0 8px 24px rgba(0, 0, 0, 0.35); }
  }
}

/* ——— Layout ——— */
.wrap { max-width: 980px; margin: 0 auto; padding: 0 32px; }
@media (max-width: 720px) { .wrap { padding: 0 22px; } }

/* ——— Type (brand sizes, unchanged) ——— */
h1, h2, h3, p, ul { margin: 0; }
h1 {
  font-size: 48px;
  font-weight: 900;
  line-height: 1.02;
  letter-spacing: -0.025em;
}
h2 {
  font-size: 34px;
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -0.02em;
}
h3 {
  font-size: 20px;
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.015em;
}
.subhead {
  font-size: 17px;
  font-weight: 500;
  line-height: 1.5;
  margin-inline: auto;
  max-width: 540px;
}
.body-lg {
  font-size: 17px;
  font-weight: 500;
  line-height: 1.55;
  margin-inline: auto;
  max-width: 600px;
}
.hi { color: var(--red); font-weight: 800;}   /* paired keyword highlight */

@media (max-width: 720px) {
  h1 { font-size: 36px; letter-spacing: -0.022em; }
  h2 { font-size: 27px; letter-spacing: -0.018em; }
  .subhead, .body-lg { font-size: 16px; }
}

/* ——— Chapter heading (small uppercase label, red numeral) ——— */
.chapter {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.chapter .num { color: var(--red); }
.chapter .label { color: var(--eyebrow-on-cream); }
.chapter .rule {
  flex: 0 0 28px;
  height: 1px;
  background: var(--rule-on-cream);
}
.on-navy .chapter .label { color: var(--eyebrow-on-navy); }
.on-navy .chapter .rule  { background: var(--rule-on-navy); }

/* ——— Buttons (handoff §6) — 999px pill, fully styled at rest ——— */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 44px;
  border-radius: 999px;
  cursor: pointer;
  font-family: inherit;
  text-align: left;
  white-space: nowrap;
  transition: background-color .15s ease, border-color .15s ease, color .15s ease, transform .15s ease;
}
.btn:focus-visible { outline: 2px solid var(--red); outline-offset: 3px; }
.btn .arrow { display: inline-block; margin-left: 2px; transition: transform .2s ease; }
.btn:hover .arrow { transform: translateX(3px); }

.btn-primary {
  background: var(--red);
  color: var(--white);
  font-size: 16px;
  font-weight: 900;
  padding: 16px 28px;
  border: 2px solid var(--red);
}
.btn-primary:hover { background: var(--red-2); border-color: var(--red-2); }

/* Third primary: gold pill — navy text for contrast. Used to mark surfaces
   that should feel distinct from the red-CTA landing page (e.g. the apply intro). */
.btn-gold {
  background: var(--gold);
  color: var(--navy);
  font-size: 16px;
  font-weight: 900;
  padding: 16px 28px;
  border: 2px solid var(--gold);
}
.btn-gold:hover { background: var(--gold-2); border-color: var(--gold-2); }

.btn-lead {
  background: transparent;
  color: var(--navy);
  font-size: 15px;
  font-weight: 800;
  padding: 14px 26px;
  border: 2px solid var(--navy);
}
.btn-lead:hover { background: var(--navy); color: var(--cream); }

.btn-info {
  background: var(--white);
  color: var(--navy);
  font-size: 15px;
  font-weight: 700;
  padding: 14px 26px;
  border: 1px solid rgba(10, 22, 40, 0.25);
}
.btn-info:hover { background: #F8F8F8; }

/* Inverted lead-button for dark backgrounds */
.on-navy .btn-lead {
  color: var(--cream);
  border-color: var(--cream);
}
.on-navy .btn-lead:hover { background: var(--cream); color: var(--navy); }

/* Nav button: small pill that fits a sticky bar */
.btn-sm { font-size: 14px; padding: 11px 20px; min-height: 38px; }
.btn-sm.btn-primary { padding: 11px 20px; }

/* ——— Sticky nav (full-bleed dark) ——— */
nav.top {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--navy);
  color: var(--cream);
  border-bottom: 1px solid var(--rule-on-navy);
}
nav.top .row {
  max-width: 1180px;
  margin: 0 auto;
  padding: 14px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.wordmark {
  font-size: 20px;
  font-weight: 500;
  letter-spacing: -0.07em;
}
.wordmark .hi {
  font-weight: 900;
  letter-spacing: -0.03em;
}
nav.top .links {
  display: flex;
  align-items: center;
  gap: 28px;
}
nav.top .links a {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--cream);
  opacity: 0.78;
}
nav.top .links a:hover { opacity: 1; color: var(--red); }
@media (max-width: 720px) {
  nav.top .row { padding: 12px 22px; }
  nav.top .links a:not(.nav-btn) { display: none; }
}

/* ——— Section frame (full-bleed, alternating, centered) ——— */
section {
  padding-block: 112px;
  text-align: center;
}
section.on-cream { background: var(--cream); color: var(--navy); }
section.on-navy  { background: var(--navy);  color: var(--cream); }
@media (max-width: 720px) { section { padding-block: 80px; } }

/* ——— Hero (dark, continues from nav) ——— */
section.hero {
  padding-block: clamp(80px, 11vw, 140px);
}
.hero h1 {
  max-width: 16ch;
  margin: 0 auto;
}
.hero .subhead { margin-top: 52px; }
.hero .cta-row { margin-top: 80px; }

/* ——— CTA row (centered, wraps on mobile) ——— */
.cta-row {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14px;
}
@media (max-width: 540px) {
  .cta-row { flex-direction: column; align-items: stretch; padding-inline: 22px; }
  .cta-row .btn { justify-content: center; text-align: center; }
}

/* ——— Section title (h2 + optional subhead/body) ——— */
.section-head h2 {
  max-width: 22ch;
  margin: 0 auto;
}
.section-head .subhead { margin-top: 32px; }
.section-head .subhead + .subhead { margin-top: 18px; }
.section-head h2 + h2 { margin-top: 32px; }

 /* Proof — small portrait + first-person paragraph */
.proof {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 22px;
}
.proof-portrait {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--rule-on-cream);
  filter: grayscale(0.3) contrast(1.05);
  display: block;
}
.proof p {
  font-size: 17px;
  font-weight: 500;
  line-height: 1.6;
  max-width: 600px;
  margin: 0;
  text-align: left;
}
.proof .sig {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--eyebrow-on-navy);
  margin-top: 4px;
}

/* ——— Bullets (handoff §7.3) — 2-col grid, centered as a block ——— */
.bullets {
  list-style: none;
  padding: 0;
  margin: 80px auto 0;
  max-width: 800px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px 40px;
  text-align: left;
}
.bullets li {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  font-size: 18px;
  line-height: 1.5;
  font-weight: 500;
}
.bullets li strong { font-weight: 900; }
.check {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 900;
  margin-top: 2px;
  line-height: 1;
}
.on-navy .check {
  background: var(--cream);
  color: var(--navy);
}
@media (max-width: 720px) {
  .bullets { grid-template-columns: 1fr; margin-top: 56px; gap: 18px; }
}

/* ——— Guide body (centered paragraphs) ——— */
.guide .body-lg + .body-lg { margin-top: 18px; }
.ppblock { margin-top: 56px; }
@media (max-width: 720px) { .ppblock { margin-top: 40px; } }

/* ——— Prose block — left-aligned reading column, centered in section ——— */
.prose {
  max-width: 600px;
  margin: 48px auto 0;
  text-align: left;
  font-size: 17px;
  font-weight: 500;
  line-height: 1.6;
}
.prose p + p { margin-top: 18px; }
.prose .gap-lg { margin-top: 52px; }

/* ——— Strategy: 3-step row (centered cards) ——— */
.steps {
  margin-top: 88px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule-on-cream);
  border-bottom: 1px solid var(--rule-on-cream);
}
.step {
  padding: 40px 28px;
  border-right: 1px solid var(--rule-on-cream);
  display: flex;
  flex-direction: column;
  gap: 14px;
  align-items: center;
  text-align: center;
}
.step:last-child { border-right: 0; }
.step .num {
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--red);
}
.step h3 { max-width: 14ch; }
.step p {
  font-size: 15px;
  font-weight: 500;
  line-height: 1.55;
  max-width: 32ch;
}
@media (max-width: 780px) {
  .steps { grid-template-columns: 1fr; margin-top: 64px; }
  .step { border-right: 0; border-bottom: 1px solid var(--rule-on-cream); padding: 32px 16px; }
  .step:last-child { border-bottom: 0; }
}
.strategy .cta-row { margin-top: 56px; }

/* Strategy block on navy: re-tint the cream-tinted rules + eyebrow text. */
.on-navy .steps {
  border-top-color: var(--rule-on-navy);
  border-bottom-color: var(--rule-on-navy);
}
.on-navy .step { border-right-color: var(--rule-on-navy); }
@media (max-width: 780px) {
  .on-navy .step { border-bottom-color: var(--rule-on-navy); }
}
.strategy.on-navy .plan-aside,
.strategy.on-navy .terms { color: var(--eyebrow-on-navy); }

/* ——— Cost-of-inaction section ——— */
.cost h2 { max-width: 18ch; }
.cost .body-lg { margin-top: 22px; }
.cost .cta-row { margin-top: 36px; }

/* ——— Footer (dark) ——— */
footer.foot {
  background: var(--navy);
  color: var(--cream);
  padding: 48px 0 32px;
  text-align: center;
}
.foot .wordmark { font-size: 15px; }
.foot .links {
  margin-top: 16px;
  display: flex;
  justify-content: center;
  gap: 22px;
  font-size: 13px;
  font-weight: 600;
}
.foot .links a { opacity: 0.78; }
.foot .links a:hover { opacity: 1; color: var(--red); }
.foot .copyright {
  margin-top: 18px;
  font-size: 12px;
  font-weight: 500;
  opacity: 0.6;
}

/* Respect user motion preference */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}

/* —————————————————————————————————————————————————— */
/* index2 page — additions on top of the shared brand  */
/* —————————————————————————————————————————————————— */

/* Hero kicker: For / What it is / What it isn't */
.hero-kicker {
  margin-top: clamp(56px, 8vw, 88px);
  padding-top: 28px;
  border-top: 1px solid var(--rule-on-navy);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  max-width: 880px;
  margin-inline: auto;
  text-align: left;
}
.hero-kicker .k {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--eyebrow-on-navy);
  margin-bottom: 8px;
}
.hero-kicker .v {
  font-size: 15px;
  font-weight: 500;
  line-height: 1.45;
  color: var(--cream);
}
@media (max-width: 720px) {
  .hero-kicker { grid-template-columns: 1fr; gap: 22px; }
}

/* Apply note beside Apply button */
.apply-note {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  opacity: 0.7;
  align-self: center;
}

/* Bullets: optional small tag label under each row */
.bullets li .tag {
  display: block;
  margin-top: 6px;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--eyebrow-on-cream);
}
.on-navy .bullets li .tag { color: var(--eyebrow-on-navy); }

/* Stakes: left-aligned prose with closing kicker */
.stakes .prose { max-width: 600px; }
.stakes .kicker {
  margin: 28px auto 0;
  max-width: 600px;
  text-align: left;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  opacity: 0.7;
}

/* Guide: text left, tall photo right.
   The photo is a tall portrait (aspect ratio 1088/2028 ≈ 0.536), so its rendered height
   is ~1.86× its width. With ~6 paragraphs at 18px text in a ~530px wide left column
   the text runs ~500–540px tall — so a photo around 280–290px wide lands closest to
   matching heights. Tune --photo-w to taste; bigger photo → more empty space below the
   text, smaller photo → portrait shrinks. */
.guide-layout {
  --photo-w: 280px;
  display: grid;
  grid-template-columns: 1fr var(--photo-w);
  gap: clamp(32px, 5vw, 64px);
  align-items: stretch;
  max-width: 900px;
  margin: 80px auto 0;
  text-align: left;
}
.guide-text {
  font-size: 18px;
  font-weight: 500;
  line-height: 1.65;
}
.guide-text p { margin: 0; }
.guide-text p + p { margin-top: 22px; }
.guide-sig {
  margin-top: 32px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--eyebrow-on-cream);
}
.guide-photo {
  margin: 0;
  background: var(--navy);
  padding: 12px 12px 0;
  box-shadow: 0 24px 60px -30px rgba(10, 22, 40, 0.45);
}
.guide-photo .img {
  width: 100%;
  aspect-ratio: 1088 / 2028;
  background: #1a1d24 center/cover no-repeat;
  background-image: url('/assets/chad_mistborn_1088.jpg');
  display: block;
}
.guide-photo .caption {
  color: var(--cream);
  padding: 14px 4px 14px;
  border-top: 1px solid var(--rule-on-navy);
  margin-top: 12px;
  display: block;
}
.guide-photo .caption .name { font-size: 14px; font-weight: 700; }
.guide-photo .caption .name .hi { color: var(--red); }
.guide-photo .caption .note {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.85;
  text-align: center;
  white-space: nowrap;
}
@media (max-width: 720px) {
  .guide-layout { grid-template-columns: 1fr; gap: 32px; }
  .guide-photo { max-width: 320px; margin: 0 auto; }
}
/* Guide on navy: flip sig color to cream; drop the photo-plate frame (it would vanish into the bg) */
.on-navy .guide-sig { color: var(--eyebrow-on-navy); }
.on-navy .guide-photo {
  background: transparent;
  padding: 0;
  box-shadow: none;
}
.on-navy .guide-photo .caption { padding-inline: 0; }

/* Plan: small subhead above steps + terms line above CTA */
.strategy .plan-aside {
  margin-top: 28px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--eyebrow-on-cream);
}
.strategy .terms {
  margin-top: 18px;
  margin-bottom: 14px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.04em;
  color: var(--eyebrow-on-cream);
}

/* Footer: 3-col on desktop, stacked on mobile */
.foot-multi {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  max-width: 880px;
  margin: 0 auto;
  padding-bottom: 32px;
  text-align: left;
}
.foot-multi h5 {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--eyebrow-on-navy);
  margin: 0 0 16px;
}
.foot-multi ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.foot-multi ul a {
  font-size: 14px;
  font-weight: 500;
  color: var(--cream);
  opacity: 0.78;
}
.foot-multi ul a:hover { opacity: 1; color: var(--red); }
.foot-multi .wordmark { display: inline-block; margin-bottom: 14px; }
.foot-multi .blurb {
  font-size: 14px;
  font-weight: 500;
  color: var(--cream);
  opacity: 0.78;
  line-height: 1.5;
  max-width: 32ch;
  margin: 0;
}
.foot-multi .caution-note {
  font-size: 13px;
  font-style: italic;
  font-weight: 500;
  color: var(--cream);
  opacity: 0.78;
  line-height: 1.5;
  max-width: 26ch;
}
.foot-bot {
  max-width: 880px;
  margin: 0 auto;
  padding: 20px 0 0;
  border-top: 1px solid var(--rule-on-navy);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--cream);
  opacity: 0.6;
}
.foot-bot a { color: inherit; }
.foot-bot a:hover { color: var(--red); opacity: 1; }
@media (max-width: 720px) {
  .foot-multi { grid-template-columns: 1fr; gap: 32px; }
}

/* Section-local spacing rules (replace previously-inlined margin-tops) */
.guide .cta-row { margin-top: 64px; }
.section-head .body-lg { margin-top: 32px; }
.final-cta .cta-row { margin-top: 56px; }

/* CTA-closer: italic tag lines below the final CTA button */
.cta-closer {
  margin-top: 64px;
  font-style: italic;
}
.cta-closer + .cta-closer { margin-top: 14px; }

/* —————————————————————————————————————————————————— */
/* Application wizard (apply.html)                     */
/* Built on the same brand tokens (cream/navy/red,     */
/* Inter) used by the landing page. Lives here so the  */
/* wizard inherits the same "feel" as the rest of the  */
/* site, with gaps filled in to keep parity.           */
/* —————————————————————————————————————————————————— */

/* Wizard frame: sits directly on body cream, narrower than .wrap. */
main.wizard {
  max-width: 760px;
  margin: 0 auto;
  padding: clamp(32px, 5vw, 64px) clamp(22px, 4vw, 40px) 120px;
}

/* Progress bar — sticks below the navy nav as the user scrolls so they
   can always see where they are. Initial breathing room tightens (and a
   subtle shadow appears) once the user starts scrolling. */
.wizard-progress {
  position: sticky;
  top: 52px;             /* desktop nav height */
  z-index: 40;           /* below nav (50), above content */
  background: var(--cream);
  padding-block: 14px;
  margin-bottom: 24px;
}
@media (max-width: 720px) {
  .wizard-progress { top: 48px; }
}
@supports (animation-timeline: scroll()) {
  .wizard-progress {
    animation: progressPin linear both;
    animation-timeline: scroll(root);
    animation-range: 32px 120px;
  }
  @keyframes progressPin {
    to {
      padding-block: 8px;
      margin-bottom: 12px;
      box-shadow: 0 6px 18px -10px rgba(10, 22, 40, 0.35);
    }
  }
}
.wizard-progress .label {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--eyebrow-on-cream);
  margin-bottom: 14px;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
}
.wizard-progress .label .step-name { color: var(--red); }
.wizard-progress .bar { display: flex; gap: 6px; }
.wizard-progress .seg {
  flex: 1;
  height: 3px;
  background: var(--rule-on-cream);
  border-radius: 2px;
}
.wizard-progress .seg.done { background: var(--red); }
.wizard-progress .seg.current { background: var(--red-2); }
.wizard-progress .autosave-note {
  margin: 10px 0 0;
  font-size: 12px;
  font-weight: 500;
  color: var(--eyebrow-on-cream);
  font-style: italic;
}

/* Step layout — reset the brand <section> rule (112px padding + centered text)
   so the wizard form sits tight to the progress bar and reads left-aligned. */
.wizard-step {
  display: none;
  padding-block: 0;
  text-align: left;
}
.wizard-step.active { display: block; }

.step-chapter {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}
/* The numbered wizard steps don't show the chapter — only #thanks uses it. */
.wizard-step .step-chapter { display: none; }
.step-chapter .num {
  font-size: 14px;
  font-weight: 900;
  color: var(--red);
  letter-spacing: 0.04em;
}
.step-chapter .eyebrow {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--eyebrow-on-cream);
}

.step-q {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -0.022em;
  margin: 0 0 16px;
  max-width: 22ch;
}
.step-q em { color: var(--red); font-style: normal; font-weight: 900; }

.step-sub {
  font-size: 17px;
  font-weight: 500;
  line-height: 1.5;
  color: var(--eyebrow-on-cream);
  margin: 0 0 36px;
  max-width: 52ch;
}

/* Chips — pill-shaped, navy outline, fill on select */
.chip-grid { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 24px; }
.chip {
  appearance: none;
  border-radius: 999px;
  border: 1.5px solid var(--navy);
  background: transparent;
  padding: 10px 18px;
  font-family: inherit;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy);
  cursor: pointer;
  transition: background-color .15s ease, color .15s ease;
}
.chip:hover { background: rgba(10, 22, 40, 0.06); }
.chip[aria-pressed="true"] { background: var(--navy); color: var(--cream); }
.chip:focus-visible { outline: 2px solid var(--red); outline-offset: 2px; }

.other-row {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 8px;
}
.other-row label,
.field label {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--eyebrow-on-cream);
}

/* Inputs */
.wizard input[type="text"],
.wizard input[type="email"],
.wizard textarea {
  font-family: inherit;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.5;
  background: var(--white);
  border: 1.5px solid var(--rule-on-cream);
  color: var(--navy);
  padding: 14px 16px;
  width: 100%;
  border-radius: 8px;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.wizard input:focus,
.wizard textarea:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(217, 59, 59, 0.12);
}
.wizard textarea { min-height: 96px; resize: vertical; }
.field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.field .help {
  font-size: 13px;
  font-weight: 500;
  color: var(--eyebrow-on-cream);
  transition: color .15s ease;
}
.field .help.is-invalid { color: var(--red-2); font-weight: 700; }

/* Cost ranking (Step 2) — click cards in order, biggest cost first.
   Each ranked card gets a red badge with its 1-based position. */
.rank-grid {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}
.rank-card {
  appearance: none;
  font-family: inherit;
  text-align: left;
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 18px;
  background: var(--white);
  border: 1.5px solid var(--rule-on-cream);
  border-radius: 10px;
  color: var(--navy);
  cursor: pointer;
  transition: border-color .15s ease, background-color .15s ease;
}
.rank-card:hover { border-color: var(--navy); }
.rank-card[data-rank] {
  border-color: var(--red);
  background: rgba(217, 59, 59, 0.05);
}
.rank-card:focus-visible { outline: 2px solid var(--red); outline-offset: 2px; }

.rank-badge {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 1.5px solid var(--rule-on-cream);
  background: var(--white);
  color: var(--eyebrow-on-cream);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  font-size: 15px;
  font-variant-numeric: tabular-nums;
  transition: background-color .15s ease, border-color .15s ease, color .15s ease;
}
.rank-card[data-rank] .rank-badge {
  background: var(--red);
  border-color: var(--red-2);
  color: var(--white);
}

.rank-body {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}
.rank-name {
  font-size: 17px;
  font-weight: 900;
  letter-spacing: -0.01em;
}
.rank-desc {
  font-size: 13px;
  font-weight: 500;
  line-height: 1.4;
  color: var(--eyebrow-on-cream);
}

/* Consent */
.consent-block { margin: 20px 0 28px; display: flex; flex-direction: column; gap: 14px; }
.consent-row {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 14px;
  font-weight: 500;
  line-height: 1.5;
  color: var(--navy);
}
.consent-row input[type="checkbox"] {
  margin-top: 3px;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  accent-color: var(--red);
  cursor: pointer;
}
.consent-row label { cursor: pointer; }
.consent-row a {
  color: var(--red-2);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 700;
}
.consent-row a:hover { color: var(--red); }
.consent-row .muted { color: var(--eyebrow-on-cream); font-weight: 500; }

/* Wizard nav (Back / Continue) */
.wizard-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px solid var(--rule-on-cream);
}
.wizard-nav #btn-back.hidden { visibility: hidden; }

/* Disabled state for brand buttons (used by the Submit step) */
.btn:disabled,
.btn[aria-disabled="true"] {
  cursor: not-allowed;
  opacity: 0.45;
}
.btn-primary:disabled,
.btn-primary[aria-disabled="true"] {
  background: var(--navy);
  border-color: var(--navy);
}
.btn-gold:disabled,
.btn-gold[aria-disabled="true"] {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--cream);
}
.btn:disabled:hover .arrow,
.btn[aria-disabled="true"]:hover .arrow { transform: none; }

/* Validation copy */
.step-error {
  color: var(--red-2);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.04em;
  margin-top: 14px;
  min-height: 14px;
}

/* Thanks screen */
#thanks { display: none; padding-top: 24px; }
#thanks.active { display: block; }
#thanks h2 {
  font-size: clamp(32px, 4.5vw, 52px);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -0.025em;
  margin: 0 0 18px;
  max-width: none;
}
#thanks h2 em { color: var(--red); font-style: normal; }
#thanks .lede {
  font-size: clamp(17px, 1.7vw, 20px);
  font-weight: 500;
  line-height: 1.5;
  color: var(--eyebrow-on-cream);
  margin: 0 0 36px;
  max-width: 48ch;
}
#thanks .disclaimer {
  background: rgba(10, 22, 40, 0.04);
  border-left: 3px solid var(--red);
  border-radius: 0 6px 6px 0;
  padding: 20px 24px;
  margin-top: 28px;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.55;
  color: var(--navy);
  max-width: 52ch;
}
#thanks .disclaimer strong { font-weight: 900; }
#thanks .home-link {
  display: inline-block;
  margin-top: 36px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--navy);
  border-bottom: 1.5px solid var(--red);
  padding-bottom: 2px;
}
#thanks .home-link:hover { color: var(--red); }

/* Intro screen toggle: a soft landing before step 1, styled with brand classes.
   Intro sits on navy; wizard sits on body cream — that swap is the "hero → form" cue. */
#apply-intro { display: none; }
body.intro-active #apply-intro { display: block; }
body.intro-active #wizard-root { display: none; }
/* Intro kicker sits flush under the nav: kill the section's top padding
   and the brand kicker's top margin so its rule line aligns with the nav. */
#apply-intro { padding-top: clamp(32px, 5vw, 56px); }
#apply-intro .hero-kicker {
  margin-top: 0;
  margin-bottom: 64px;
  padding-top: 0;
  border-top: 0;
}
/* Gold accents on the intro to differentiate it from the red-CTA landing page. */
#apply-intro .hi { color: var(--gold); }
#apply-intro .step .num { color: var(--gold); }
/* Tighten the gap between "Here's how it works:" and the steps grid. */
#apply-intro .steps { margin-top: 40px; }

/* Wizard responsive */
@media (max-width: 680px) {
  .scale { grid-template-columns: repeat(5, 1fr); gap: 6px; }
  .scale button { padding: 12px 0; font-size: 13px; }
  .wizard-nav .btn { padding: 12px 18px; }
  .step-q { max-width: 100%; }
}

/* ── Icon tile variant (SVG inside .check, replaces ✓ text) ─────────────── */
.check.check--icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--navy);
  color: var(--gold);
}
.on-navy .check.check--icon {
  background: var(--gold);
  color: var(--navy);
}
.check svg {
  width: 22px;
  height: 22px;
  stroke: currentColor;
  fill: none;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  display: block;
}

/* ── Step card icon tile ─────────────────────────────────────────────────── */
.step-icon {
  width: 80px;
  height: 80px;
  border-radius: 18px;
  background: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.step-icon svg {
  width: 40px;
  height: 40px;
  stroke: var(--navy);
  fill: none;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.on-navy .step-icon {
  background: var(--cream);
}
.on-navy .step-icon svg {
  stroke: var(--navy);
}

/* ── Section h2 icon (centered above heading) ───────────────────────────── */
.h2-icon {
  width: 64px;
  height: 64px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.h2-icon svg {
  width: 32px;
  height: 32px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.h2-icon--bad {
  background: var(--red);
  color: #fff;
}
.h2-icon--good {
  background: var(--gold);
  color: var(--navy);
}