:root {
  --bg: #f8fbff;
  --surface: #ffffff;
  --text: #0f172a;
  --muted: #53627c;
  --brand: #0f766e;
  --brand2: #2563eb;
  --accent: #f59e0b;
  --line: rgba(15, 23, 42, 0.12);
  --shadow: 0 18px 40px rgba(15, 23, 42, 0.1);
  --white: #ffffff;
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Text", "Segoe UI", Roboto, sans-serif;
  color: var(--text);
  background:
    radial-gradient(1000px 420px at 10% -20%, rgba(37, 99, 235, 0.09), transparent 55%),
    radial-gradient(900px 500px at 90% -30%, rgba(15, 118, 110, 0.08), transparent 55%),
    var(--bg);
  line-height: 1.55;
  overflow-x: hidden;
  padding-bottom: 0;
  letter-spacing: -0.01em;
}

body.menu-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

h1,
h2,
h3,
h4,
p {
  margin: 0;
}

ul {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 16px;
}

main {
  padding-top: 8px;
}

.section {
  padding: 72px 0;
}

.section-tight {
  padding: 56px 0;
}

.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--brand2);
  margin-bottom: 8px;
}

.lead {
  color: var(--muted);
  margin-top: 10px;
  font-size: clamp(1rem, 1.8vw, 1.1rem);
}

.muted {
  color: var(--muted);
}

.btn {
  height: 44px;
  padding: 10px 14px;
  font-size: 14px;
  border-radius: 12px;
  border: 1px solid transparent;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  cursor: pointer;
  white-space: nowrap;
  font-weight: 600;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease, border-color 0.2s ease;
}

.btn:hover,
.btn:focus-visible {
  transform: translateY(-1px);
}

.btn-primary {
  background: linear-gradient(100deg, var(--brand), var(--brand2));
  color: var(--white);
  box-shadow: 0 8px 22px rgba(15, 118, 110, 0.24);
}

.btn-outline {
  background: var(--surface);
  border-color: var(--line);
  color: var(--text);
}

.btn-light {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.42);
  color: var(--white);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid var(--line);
  background: rgba(248, 251, 255, 0.78);
  backdrop-filter: blur(16px);
}

.header-row {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
}

.brand-word {
  font-size: 1rem;
  font-weight: 700;
  white-space: nowrap;
}

.desktop-nav {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 4px;
  background: rgba(255, 255, 255, 0.78);
}

.desktop-nav a {
  color: var(--muted);
  padding: 8px 12px;
  border-radius: 999px;
  font-size: 0.92rem;
  font-weight: 600;
}

.desktop-nav a:hover,
.desktop-nav a.active-link {
  background: rgba(37, 99, 235, 0.12);
  color: var(--brand2);
}

.menu-toggle {
  display: none;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
  place-items: center;
  cursor: pointer;
}

.mobile-menu {
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 0.28s ease, opacity 0.2s ease;
  pointer-events: none;
}

.mobile-menu.open {
  max-height: 380px;
  opacity: 1;
  pointer-events: auto;
  border-top: 1px solid var(--line);
}

.mobile-menu-inner {
  display: grid;
  gap: 8px;
  padding: 14px 0 16px;
}

.mobile-menu a {
  color: var(--muted);
  padding: 10px;
  border-radius: 10px;
  font-weight: 600;
}

.mobile-menu a:hover,
.mobile-menu a.active-link {
  background: rgba(37, 99, 235, 0.12);
  color: var(--brand2);
}

.mobile-menu .btn {
  width: 100%;
  margin-top: 4px;
}

.hero {
  min-height: 82vh;
  width: 100vw;
  margin-left: calc(50% - 50vw);
  margin-right: calc(50% - 50vw);
  padding: 42px 0 36px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(102deg, rgba(3, 12, 30, 0.68), rgba(15, 118, 110, 0.24)),
    url("/images/hero-financial-security.jpg") center/cover no-repeat;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto -120px -160px auto;
  width: 420px;
  height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(245, 158, 11, 0.35), rgba(245, 158, 11, 0));
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 24px;
  align-items: center;
}

.hero-card {
  position: relative;
  z-index: 1;
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 22px;
  box-shadow: var(--shadow);
  padding: 34px;
}

.hero-card h1 {
  font-size: clamp(2rem, 4vw, 3.3rem);
  line-height: 1.08;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 20px;
}

.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}

.chip {
  border-radius: 999px;
  border: 1px solid rgba(37, 99, 235, 0.2);
  background: rgba(37, 99, 235, 0.11);
  color: var(--brand2);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 6px 10px;
}

.hero-side {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 12px;
}

.glass-panel {
  border-radius: 16px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  background: rgba(255, 255, 255, 0.13);
  color: #eaf1ff;
  padding: 16px;
  backdrop-filter: blur(4px);
}

.glass-panel strong {
  display: block;
  font-size: 1.4rem;
  margin-bottom: 4px;
}

.split-title {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: end;
  margin-bottom: 20px;
}

.split-title p {
  max-width: 680px;
  color: var(--muted);
}

.grid-4,
.grid-3,
.grid-2 {
  display: grid;
  gap: 18px;
}

.grid-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card,
.panel,
.note,
.term,
.path-node,
.faq-item,
.progress-track,
.media-card,
.tool-preview {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 20px;
  box-shadow: 0 10px 26px rgba(15, 23, 42, 0.06);
}

.card,
.panel,
.note,
.term,
.path-node {
  padding: 20px;
}

.info-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.14), rgba(15, 118, 110, 0.14));
  color: var(--brand2);
  font-weight: 700;
  margin-bottom: 10px;
}

.progress-track {
  padding: 12px;
}

.progress-grid {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 10px;
}

.progress-step {
  border: 1px solid rgba(37, 99, 235, 0.24);
  border-radius: 12px;
  background: #f6f9ff;
  color: var(--muted);
  padding: 14px 10px;
  text-align: center;
  font-weight: 600;
}

.progress-step.current {
  background: linear-gradient(130deg, rgba(15, 118, 110, 0.16), rgba(37, 99, 235, 0.16));
  color: var(--text);
}

.media-card {
  overflow: hidden;
}

.media-card img,
.wide-media {
  width: 100%;
  aspect-ratio: 16/10;
  object-fit: cover;
}

.media-content {
  padding: 16px;
}

.ribbon {
  display: inline-block;
  margin-top: 10px;
  border-radius: 999px;
  padding: 5px 10px;
  font-size: 0.76rem;
  font-weight: 700;
  color: var(--brand2);
  background: rgba(37, 99, 235, 0.12);
}

.quote {
  border-left: 4px solid var(--accent);
}

.cta-strip {
  border-radius: 24px;
  padding: 32px;
  color: #eaf2ff;
  background: linear-gradient(96deg, #0f2a57, #0f766e 58%, #2563eb);
  box-shadow: var(--shadow);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.page-head {
  padding: 34px 0 10px;
}

.page-head h1 {
  font-size: clamp(1.75rem, 3.5vw, 2.7rem);
  line-height: 1.14;
}

.modules .card {
  display: grid;
  gap: 12px;
}

.pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.pill {
  font-size: 0.8rem;
  color: var(--muted);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 5px 10px;
}

.path-line {
  display: grid;
  gap: 12px;
}

.path-node {
  position: relative;
  padding-left: 56px;
}

.path-node::before {
  content: attr(data-step);
  position: absolute;
  left: 16px;
  top: 16px;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  color: var(--brand);
  background: rgba(15, 118, 110, 0.15);
}

.tool-shell,
.contact-shell {
  display: grid;
  grid-template-columns: 1.06fr 0.94fr;
  gap: 20px;
}

.form-grid {
  display: grid;
  gap: 12px;
  margin-top: 12px;
}

label {
  display: block;
  margin-bottom: 5px;
  font-size: 0.9rem;
  font-weight: 600;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fcfdff;
  color: var(--text);
  padding: 10px 12px;
  font-size: 0.95rem;
  font-family: inherit;
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: rgba(37, 99, 235, 0.55);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
}

textarea {
  min-height: 130px;
  resize: vertical;
}

.result {
  margin-top: 12px;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 12px;
  background: #f4f8ff;
  color: var(--muted);
}

.quiz-options {
  display: grid;
  gap: 8px;
}

.quiz-option {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 9px 10px;
  background: #fbfdff;
}

.quiz-option input {
  width: auto;
  margin-right: 8px;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-item {
  border-radius: 16px;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  text-align: left;
  border: 0;
  background: transparent;
  color: var(--text);
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 16px;
  cursor: pointer;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.25s ease;
  padding: 0 16px;
}

.faq-answer p {
  color: var(--muted);
}

.faq-item.open .faq-answer {
  max-height: 200px;
  padding-bottom: 14px;
}

.glossary {
  display: grid;
  gap: 12px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.note {
  margin-bottom: 12px;
}

.toast {
  position: fixed;
  right: 16px;
  bottom: 18px;
  z-index: 1200;
  color: var(--white);
  background: var(--brand);
  border-radius: 12px;
  padding: 12px 14px;
  box-shadow: var(--shadow);
  transform: translateY(120%);
  transition: transform 0.25s ease;
}

.toast.show {
  transform: translateY(0);
}

.scroll-top {
  position: fixed;
  right: 16px;
  bottom: 82px;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  border: 1px solid var(--line);
  background: var(--surface);
  color: var(--brand2);
  display: grid;
  place-items: center;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, visibility 0.2s ease;
}

.scroll-top.show {
  opacity: 1;
  visibility: visible;
}

.site-footer {
  margin-top: 72px;
  border-top: 1px solid var(--line);
  background: linear-gradient(180deg, #edf4ff, #e8f1fd);
  padding: 56px 0 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 18px;
}

.footer-col h3,
.footer-col h4 {
  margin-bottom: 8px;
}

.footer-col a,
.footer-col p {
  color: var(--muted);
}

.footer-col a {
  display: block;
  padding: 4px 0;
}

.socials {
  display: flex;
  gap: 8px;
  margin-top: 10px;
}

.socials a {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  border: 1px solid var(--line);
  background: var(--surface);
  display: grid;
  place-items: center;
}

.disclaimer {
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px dashed var(--line);
  font-weight: 700;
}

.copy {
  margin-top: 8px;
  color: var(--muted);
  font-size: 0.9rem;
}

@media (max-width: 1024px) {
  .hero-grid,
  .tool-shell,
  .contact-shell,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .grid-4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid-3,
  .progress-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .glossary {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 768px) {
  .section {
    padding: 44px 0;
  }

  .section-tight {
    padding: 38px 0;
  }

  .desktop-nav,
  .header-cta {
    display: none;
  }

  .menu-toggle {
    display: grid;
  }

  .header-row {
    min-height: 64px;
  }

  .hero-card {
    padding: 22px;
  }

  .hero {
    min-height: auto;
    padding: 18px 0 24px;
  }

  .hero-grid {
    gap: 14px;
  }

  .hero-side {
    gap: 10px;
  }

  .split-title {
    display: grid;
    align-items: start;
  }

  .grid-3,
  .grid-2,
  .progress-grid,
  .glossary,
  .grid-4 {
    grid-template-columns: 1fr;
  }

  .cta-strip {
    padding: 24px;
  }
}

@media (max-width: 480px) {
  .btn {
    height: 40px;
    padding: 8px 12px;
    font-size: 13px;
  }

  .brand-word {
    font-size: 0.92rem;
  }

  .hero-card {
    border-radius: 16px;
  }

  .site-footer {
    padding-bottom: 48px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }
}