:root{--navy:#0b1e3b;--navy2:#1b365d;--gold:#C5A059;--gold2:#E9D29B;--ink:#0f172a;--muted:#475569;--line:#d5dde8;--bg:#f8fafc}
*{box-sizing:border-box}body{margin:0;font-family:'Figtree',Arial,sans-serif;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
h1,h2,h3,.brand{font-family:'Instrument Serif',Georgia,serif;font-weight:400;letter-spacing:-.01em}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}.narrow{max-width:760px}.center{text-align:center}.hidden{display:none!important}
.nav{position:sticky;top:0;z-index:5;display:flex;justify-content:space-between;align-items:center;padding:14px 28px;background:var(--navy);border-bottom:1px solid rgba(197,160,89,.35)}
.logo img{height:26px;display:block}
.btn{font:600 15px 'Figtree',sans-serif;border-radius:2px;padding:15px 30px;cursor:pointer;border:1px solid var(--gold);transition:.2s;text-decoration:none;display:inline-block;letter-spacing:.02em}
.btn.gold{background:var(--gold);color:var(--navy)}.btn.gold:hover{background:var(--gold2)}.btn:disabled{opacity:.6;cursor:wait}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--line)}.btn.ghost:hover{border-color:var(--gold)}
.nav .btn.ghost{color:#fff;border-color:rgba(197,160,89,.6)}.btn.sm{padding:9px 16px;font-size:13px}
.hero{background:radial-gradient(1200px 500px at 80% -10%,#1b365d 0,transparent 60%),var(--navy);color:#fff;padding:96px 0 110px}
.eyebrow{color:var(--gold);font-size:12px;letter-spacing:.22em;text-transform:uppercase;font-weight:600;margin-bottom:18px}
.hero h1{font-size:clamp(40px,6vw,72px);line-height:1.02;margin:0 0 24px;max-width:860px}.hero em{color:var(--gold)}
.lead{font-size:18px;line-height:1.65;color:#cbd5e1;max-width:680px;margin:0 0 34px;font-weight:300}
.fine{font-size:13px;color:#94a3b8;margin-top:18px;letter-spacing:.04em}
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(197,160,89,.3);margin-top:64px;max-width:720px;border:1px solid rgba(197,160,89,.3)}
.pillars div{background:var(--navy);padding:22px;font-size:13px;color:#cbd5e1;letter-spacing:.04em}.pillars span{display:block;font:40px 'Instrument Serif',serif;color:var(--gold);margin-bottom:4px}
#quiz,#details,#loading,#result{padding:64px 0 90px}
.progress{height:3px;background:var(--line)}#bar{height:100%;background:var(--gold);width:0;transition:width .35s}
.meta{display:flex;justify-content:space-between;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin:14px 0 22px;font-weight:600}
.card{background:#fff;border:1px solid var(--line);padding:40px;box-shadow:0 20px 50px -30px rgba(11,30,59,.35)}
.card h2{font-size:clamp(28px,4vw,38px);margin:0 0 26px;line-height:1.15;color:var(--navy)}
.opt{display:block;width:100%;text-align:left;background:#fff;border:1px solid var(--line);padding:17px 20px;margin-bottom:10px;font:16px 'Figtree',sans-serif;color:var(--ink);cursor:pointer;transition:.15s;border-radius:2px}
.opt:hover{border-color:var(--gold);background:#fbf8f1}.opt.sel{border-color:var(--navy);background:var(--navy);color:#fff}
.row{display:flex;justify-content:space-between;gap:12px;margin-top:22px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
label{display:block;font-size:13px;font-weight:600;color:var(--navy);letter-spacing:.02em}label small{display:block;font-weight:400;color:var(--muted);margin-top:5px}
input[type=text],input:not([type]),input[type=email],input[type=tel],input[type=file]{width:100%;margin-top:7px;padding:13px 14px;border:1px solid var(--line);font:15px 'Figtree',sans-serif;background:#fff;border-radius:2px}
input:focus{outline:2px solid var(--gold);outline-offset:-1px}
.check{display:flex;gap:12px;align-items:flex-start;font-weight:400;color:var(--muted);line-height:1.55;margin-top:26px;font-size:13.5px}.check input{margin-top:4px;accent-color:var(--navy);width:18px;height:18px;flex:none}
.check a,.copy a{color:var(--gold)}.hp{position:absolute;left:-9999px}.err{color:#b91c1c;font-size:14px;margin-top:12px;min-height:1px}
.spinner{width:54px;height:54px;border:3px solid var(--line);border-top-color:var(--gold);border-radius:50%;margin:0 auto 26px;animation:s 1s linear infinite}@keyframes s{to{transform:rotate(360deg)}}
#loading h2{color:var(--navy);font-size:34px;margin:0 0 8px}#loading .lead{color:var(--muted);margin:0 auto}
.rhead{display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center;background:var(--navy);color:#fff;padding:44px;border-bottom:3px solid var(--gold)}
.ring{width:170px;height:170px}.ring text{font-family:'Instrument Serif',serif}
.rhead h2{font-size:clamp(32px,4.5vw,48px);margin:6px 0 10px}.rhead p{color:#cbd5e1;line-height:1.6;margin:0 0 20px;font-weight:300}
.rbody{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:24px}
.rbody h3{font-size:26px;margin:0 0 18px;color:var(--navy)}
.secrow{display:grid;grid-template-columns:110px 1fr 44px;gap:12px;align-items:center;margin-bottom:14px;font-size:14px}
.track{height:6px;background:var(--line);border-radius:3px;overflow:hidden}.track i{display:block;height:100%;background:linear-gradient(90deg,var(--navy2),var(--gold))}
.gap{display:grid;grid-template-columns:34px 1fr;gap:8px;padding:12px 0;border-top:1px solid var(--line);font-size:15px;line-height:1.5}.gap b{font:20px 'Instrument Serif',serif;color:var(--gold);font-weight:400}
.note{display:grid;grid-template-columns:14px 1fr;gap:10px;font-size:14.5px;line-height:1.55;margin-bottom:12px}.note i{width:9px;height:9px;border-radius:50%;margin-top:7px;background:#94a3b8}.note.warn i{background:#b45309}.note.ok i{background:#15803d}
.filing{font-size:13px;color:var(--muted);padding:9px 0;border-top:1px dashed var(--line)}.filing a{color:var(--navy2)}
.full{grid-column:1/-1}.ctas{display:flex;gap:12px;flex-wrap:wrap}
footer{background:var(--navy);color:#94a3b8;font-size:13px;line-height:1.7;padding:56px 0 30px}
.imp{border:1px solid rgba(197,160,89,.3);padding:18px 20px;margin-bottom:40px;color:#cbd5e1}.imp strong,.reg strong{color:var(--gold)}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.brand{font-size:26px;color:#fff}footer h4{color:var(--gold);font-size:11px;letter-spacing:.2em;text-transform:uppercase;margin:6px 0 10px}
.reg{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:26px;font-size:12px}.copy{margin-top:26px;font-size:12px;color:#64748b}
@media(max-width:760px){.hero{padding:60px 0 70px}.pillars{grid-template-columns:1fr 1fr 1fr}.pillars div{padding:14px}.pillars span{font-size:28px}
.card{padding:24px 20px}.grid2,.rbody,.fgrid{grid-template-columns:1fr}.rhead{grid-template-columns:1fr;text-align:center;padding:30px 22px;gap:14px}.ring{margin:0 auto;width:140px;height:140px}.ctas{justify-content:center}.logo img{height:22px}.nav{padding:10px 16px}.row .btn{flex:1}}