:root {
  color-scheme: light;
  --ink: #18211f;
  --muted: #596460;
  --line: #d6ded9;
  --paper: #f7f8f4;
  --surface: #ffffff;
  --sage: #64796a;
  --sage-dark: #31483a;
  --brick: #9d4f3c;
  --gold: #c3994c;
  --focus: #1f6f8b;
  --shadow: 0 18px 50px rgba(24, 33, 31, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
}

img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

a {
  color: inherit;
}

.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 18px clamp(18px, 5vw, 64px);
  background: rgba(247, 248, 244, 0.92);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 10;
  backdrop-filter: blur(14px);
}

.brand,
.header-actions,
.trust-row,
.contact-list div {
  display: flex;
  align-items: center;
}

.brand {
  gap: 12px;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 8px;
  background: var(--sage-dark);
  color: #fff;
  font-weight: 800;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
}

.header-actions {
  gap: 12px;
  font-weight: 700;
}

.outline-link {
  border: 1px solid var(--sage);
  border-radius: 8px;
  padding: 10px 14px;
  text-decoration: none;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 520px);
  gap: clamp(28px, 5vw, 70px);
  min-height: calc(100vh - 82px);
  padding: clamp(34px, 6vw, 76px) clamp(18px, 5vw, 64px);
  background:
    linear-gradient(90deg, rgba(24, 33, 31, 0.84), rgba(24, 33, 31, 0.46)),
    url("https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1800&q=80") center/cover;
}

.language-switcher {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  padding: 16px clamp(18px, 5vw, 64px);
  background: #fff;
  border-bottom: 1px solid var(--line);
  color: var(--muted);
  font-weight: 800;
}

.language-button {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  cursor: pointer;
  font: inherit;
  font-weight: 900;
  padding: 8px 11px;
}

.language-button.active,
.language-button:hover {
  background: var(--sage-dark);
  border-color: var(--sage-dark);
  color: #fff;
}

.hero-copy {
  align-self: center;
  max-width: 760px;
  color: #fff;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.04;
}

h1 {
  max-width: 680px;
  font-size: clamp(2.55rem, 8vw, 5.7rem);
}

h2 {
  font-size: clamp(2rem, 5vw, 3.2rem);
}

h3 {
  font-size: 1.25rem;
}

.hero-text {
  max-width: 620px;
  margin: 22px 0 24px;
  font-size: 1.2rem;
}

.trust-row {
  flex-wrap: wrap;
  gap: 10px;
}

.trust-row span {
  border: 1px solid rgba(255, 255, 255, 0.38);
  border-radius: 8px;
  padding: 9px 12px;
  color: #fff;
}

.lead-form {
  align-self: start;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
  padding: clamp(20px, 3vw, 32px);
}

.form-heading {
  margin-bottom: 18px;
}

.form-heading h2 {
  font-size: clamp(1.6rem, 3vw, 2.25rem);
}

.form-heading p:last-child,
.privacy-note,
.form-message,
.guide-access span {
  color: var(--muted);
}

.field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

label {
  display: grid;
  gap: 7px;
  color: var(--ink);
  font-size: 0.93rem;
  font-weight: 800;
}

.bot-field {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.wide {
  grid-column: 1 / -1;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid #b8c4be;
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  font: inherit;
  padding: 12px 13px;
}

textarea {
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus,
button:focus-visible,
a:focus-visible {
  outline: 3px solid rgba(31, 111, 139, 0.34);
  outline-offset: 2px;
}

.consent {
  grid-template-columns: 20px 1fr;
  align-items: start;
  margin: 16px 0;
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 600;
}

.consent input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
}

.primary-button {
  width: 100%;
  min-height: 52px;
  border: 0;
  border-radius: 8px;
  background: var(--brick);
  color: #fff;
  cursor: pointer;
  font: inherit;
  font-weight: 900;
}

.primary-button:hover {
  background: #873f30;
}

.primary-button:disabled {
  cursor: wait;
  opacity: 0.72;
}

.privacy-note,
.form-message {
  margin: 12px 0 0;
  font-size: 0.88rem;
}

.form-message.error {
  color: #9b2c2c;
}

.form-message.success {
  color: var(--sage-dark);
  font-weight: 800;
}

.guide-access {
  display: grid;
  gap: 8px;
  margin-top: 16px;
  border: 1px solid #b9cdbf;
  border-radius: 8px;
  background: #eef5ef;
  padding: 14px;
}

.guide-access a {
  color: var(--sage-dark);
  font-weight: 900;
}

.guide-links,
.language-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.guide-links a,
.language-links a {
  border: 1px solid #b9cdbf;
  border-radius: 8px;
  padding: 9px 11px;
  background: #fff;
  text-decoration: none;
}

.language-links {
  margin-top: 18px;
}

.guide-preview,
.calculator-promo,
.agent-section,
.guide-page {
  padding: clamp(54px, 8vw, 96px) clamp(18px, 5vw, 64px);
}

.guide-preview {
  display: grid;
  gap: 34px;
}

.calculator-promo {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.primary-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  border-radius: 8px;
  background: var(--sage-dark);
  color: #fff;
  font-weight: 900;
  padding: 12px 18px;
  text-decoration: none;
}

.guide-preview > div:first-child,
.guide-page > section {
  max-width: 860px;
}

.guide-preview > div:first-child p,
.agent-section p,
.guide-page p,
.guide-page li {
  color: var(--muted);
  font-size: 1.05rem;
}

.preview-list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.preview-list article {
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.preview-list img {
  height: 210px;
}

.preview-list h3,
.preview-list p {
  margin: 18px;
}

.agent-section {
  display: grid;
  grid-template-columns: minmax(260px, 0.7fr) minmax(0, 1fr);
  gap: clamp(28px, 5vw, 60px);
  align-items: center;
  background: #fff;
}

.agent-photo {
  overflow: hidden;
  aspect-ratio: 4 / 5;
  border-radius: 8px;
}

.contact-list {
  display: grid;
  gap: 12px;
  margin: 28px 0 0;
}

.contact-list div {
  justify-content: space-between;
  gap: 20px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 12px;
}

.contact-list dt {
  color: var(--muted);
  font-weight: 800;
}

.contact-list dd {
  margin: 0;
  font-weight: 900;
  text-align: right;
}

.site-footer {
  padding: 28px clamp(18px, 5vw, 64px);
  background: var(--ink);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.85rem;
}

.site-footer p {
  max-width: 980px;
  margin: 0 0 10px;
}

.guide-header {
  padding: 18px clamp(18px, 5vw, 64px);
  border-bottom: 1px solid var(--line);
  background: #fff;
}

.guide-header a {
  color: var(--sage-dark);
  font-weight: 900;
}

.guide-page {
  display: grid;
  gap: 34px;
  background: #fff;
}

.guide-page section {
  border-bottom: 1px solid var(--line);
  padding-bottom: 30px;
}

.guide-page h1 {
  color: var(--ink);
  font-size: clamp(2.3rem, 6vw, 4.4rem);
}

.checklist {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  padding: 0;
  list-style: none;
}

.checklist li {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 14px;
}

.calculator-page {
  display: grid;
  gap: 34px;
  padding: clamp(34px, 6vw, 76px) clamp(18px, 5vw, 64px);
  background: #fff;
}

.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 430px);
  gap: clamp(24px, 5vw, 54px);
  align-items: start;
}

.calculator-form,
.payment-results {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: clamp(18px, 3vw, 28px);
}

.calculator-form {
  display: grid;
  gap: 16px;
  background: var(--paper);
}

.payment-results {
  position: sticky;
  top: 92px;
  display: grid;
  gap: 16px;
  background: var(--sage-dark);
  color: #fff;
}

.payment-results .eyebrow,
.payment-results p {
  color: rgba(255, 255, 255, 0.82);
}

.monthly-total {
  font-size: clamp(2.4rem, 7vw, 4.4rem);
  line-height: 1;
  font-weight: 900;
}

.result-list {
  display: grid;
  gap: 10px;
  margin: 0;
}

.result-row {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  padding-top: 10px;
}

.result-row dt,
.result-row dd {
  margin: 0;
}

.result-row dt {
  color: rgba(255, 255, 255, 0.74);
}

.result-row dd {
  font-weight: 900;
}

@media (max-width: 980px) {
  .hero,
  .agent-section {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .lead-form {
    align-self: stretch;
  }

  .preview-list {
    grid-template-columns: 1fr;
  }

  .calculator-promo,
  .calculator-layout {
    grid-template-columns: 1fr;
  }

  .payment-results {
    position: static;
  }
}

@media (max-width: 680px) {
  .site-header {
    align-items: flex-start;
    position: static;
  }

  .site-header,
  .header-actions {
    flex-direction: column;
  }

  .header-actions {
    align-items: stretch;
    width: 100%;
  }

  .outline-link {
    text-align: center;
  }

  .hero {
    padding-top: 28px;
  }

  .field-grid,
  .checklist {
    grid-template-columns: 1fr;
  }

  .contact-list div {
    display: grid;
    align-items: start;
  }

  .contact-list dd {
    text-align: left;
  }
}