:root {
  --et-primary: #619ae6;
  --et-secondary: #133e76;
  --et-accent: #000000;
  --et-ink: #192730;
  --et-muted: #3d4650;
  --et-line: #e9e9e9;
  --et-soft: #f4f8ff;
  --et-green: #118a52;
  --et-green-bg: #eaf8f0;
  --et-danger: #c8342d;
  --et-danger-bg: #fff0ee;
  --radius: 7px;
  --image-radius: 20px;
  --shadow: 0 16px 40px rgba(25, 39, 48, 0.12);
  color-scheme: light;
}

/* Main-site visual refresh: preserve the broker copy and calculator, update the finish. */
:root {
  --et-primary: #2b62e9;
  --et-secondary: #02014d;
  --et-ink: #071532;
  --et-muted: #5c6b83;
  --et-line: #dce5f2;
  --et-soft: #f3f7fd;
  --radius: 18px;
  --image-radius: 28px;
  --shadow: 0 24px 70px rgba(2, 1, 77, 0.13);
}

body { font-family: Inter, Montserrat, Arial, ui-sans-serif, system-ui, sans-serif; }
h1,h2,h3,h4 { color: var(--et-ink); font-weight: 750; letter-spacing: -.035em; }
h1 { font-size: clamp(3rem, 6.3vw, 6.6rem); line-height: .94; max-width: 980px; }
h2 { font-size: clamp(2.35rem, 4.7vw, 4.8rem); line-height: 1; }
p { color: var(--et-muted); font-size: 16px; line-height: 1.72; }
.site-header { position: sticky; top: 0; border-bottom: 1px solid rgba(2,1,77,.08); backdrop-filter: blur(16px); background: rgba(255,255,255,.94); }
.header-inner { min-height: 82px; }
.brand img { width: 200px; height: auto; }
.hero { background: linear-gradient(135deg,#02014d 0%,#06183e 60%,#123d78 100%); }
.hero h1,.hero h2,.hero h3,.hero p,.hero li { color: #fff; }
.hero .eyebrow { color: #8ee8ff; }
.hero-media img { border-radius: 32px; }
.hero-proof-card { border-radius: 20px; background: rgba(2,1,77,.9); backdrop-filter: blur(10px); }
.hero-qualifiers { border-radius: 24px; background: rgba(255,255,255,.09); }
.section-muted { background: var(--et-soft); }
.card,.message-card,.result-panel,.scenario-form,.decision-questions li,.process-footnote { border-radius: 22px; border-color: var(--et-line); box-shadow: 0 14px 45px rgba(2,1,77,.07); }
.button { border-radius: 999px; background: #2b62e9; box-shadow: 0 10px 28px rgba(43,98,233,.25); }
.button-secondary { border-color: #77dcff; color: #fff; }
.image-band { background: #061638; }
.image-band h2,.image-band p,.image-band li,.section-dark h2,.section-dark p,.section-dark li { color:#fff; }
.image-band-grid { gap: clamp(40px,7vw,100px); }
.image-band-grid img { border-radius: 28px; min-height: 430px; object-fit: cover; }
.calculator-section { background: linear-gradient(180deg,#f3f7fd,#fff); }
.form-section input,.form-section select,.form-section textarea { border-radius: 12px; border-color: #cad7ea; }
.result-panel { background: #02014d; }
.result-panel h3,.result-panel p,.result-panel span,.result-panel li { color:#fff; }
.faq-grid details { border-radius: 16px; border-color: var(--et-line); }
.final-cta { background: linear-gradient(135deg,#02014d,#123d78); }
.final-cta h2,.final-cta p,.final-cta .eyebrow { color:#fff; }
.site-footer { background:#01022b; }
.site-footer img { width:200px; height:auto; object-fit:contain; }

@media (max-width: 720px) {
  .shell { width: min(100% - 28px,1200px); }
  .hero { padding-top: 58px; }
  h1 { font-size: clamp(2.75rem,15vw,4.2rem); }
  .hero-media { min-height: 360px; }
  .image-band-grid img { min-height: 300px; }
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: #fff;
  color: var(--et-ink);
  font-family: Montserrat, Arial, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}

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

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

p {
  margin: 0;
  color: #1b1b1b;
  font-size: 15.4px;
  line-height: 24px;
}

h1,
h2,
h3 {
  margin: 0;
  color: #000;
  font-weight: 600;
  letter-spacing: 0;
}

h1 {
  max-width: 780px;
  font-size: clamp(2.2rem, 4vw, 3rem);
  line-height: 1.4;
}

h2 {
  font-size: clamp(1.75rem, 3.2vw, 2.8rem);
  line-height: 1.25;
}

h3 {
  font-size: 22px;
  line-height: 1.25;
}

button,
input,
select,
textarea {
  font: inherit;
}

.shell {
  width: min(1200px, calc(100% - 70px));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -80px;
  z-index: 100;
  background: #fff;
  color: var(--et-ink);
  padding: 12px 16px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.skip-link:focus {
  top: 16px;
}

.site-header {
  z-index: 50;
  background: #fff;
}

.header-inner {
  min-height: 70px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 17px 0;
}

.brand img {
  width: 200px;
  height: 52px;
  object-fit: contain;
}

.desktop-nav,
.header-actions,
.cta-row {
  display: flex;
  align-items: center;
  gap: 14px;
}

.desktop-nav {
  justify-content: flex-end;
  flex: 1;
}

.desktop-nav a,
.phone-link {
  color: var(--et-ink);
  font-size: 14.63px;
  font-weight: 500;
}

.desktop-nav a:hover,
.desktop-nav a[aria-current="page"],
.phone-link:hover {
  color: var(--et-primary);
}

.phone-link {
  white-space: nowrap;
}

.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--et-primary);
  border-radius: var(--radius);
  background: var(--et-primary);
  color: #fff;
  cursor: pointer;
  font-family: Roboto, Montserrat, Arial, sans-serif;
  font-size: 15px;
  font-weight: 500;
  padding: 17px 30px;
  text-align: center;
  transition: background 160ms ease, border-color 160ms ease, color 160ms ease;
}

.button:hover {
  background: var(--et-secondary);
  border-color: var(--et-secondary);
  color: #fff;
}

.button:disabled,
.button.is-loading {
  cursor: wait;
  opacity: 0.75;
}

.button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(97, 154, 230, 0.45);
  outline-offset: 3px;
}

.button-small {
  min-height: 38px;
  padding: 11px 18px;
  font-size: 13px;
}

.button-secondary {
  background: var(--et-secondary);
  border-color: var(--et-secondary);
}

.button-secondary:hover {
  background: #000;
  border-color: #000;
}

.button-ghost {
  background: #fff;
  color: var(--et-secondary);
  border-color: var(--et-secondary);
}

.button-ghost:hover {
  background: var(--et-secondary);
  color: #fff;
}

.section {
  padding: 75px 0;
}

.section-tight {
  padding: 60px 0;
}

.section-muted,
.calculator-section {
  background: var(--et-soft);
}

.hero {
  display: flex;
  align-items: center;
  background: #fff;
  padding: 8px 0 15px;
}

.hero-grid,
.two-column,
.image-band-grid,
.process-grid,
.calculator-layout,
.footer-grid {
  display: grid;
  align-items: center;
}

.hero-grid {
  grid-template-columns: minmax(0, 1fr) minmax(360px, 1fr);
  gap: 0;
}

.hero-copy {
  display: grid;
  gap: 20px;
  padding: 20px;
}

.eyebrow {
  color: var(--et-primary);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero-subhead {
  max-width: 680px;
  color: #000;
  font-size: 22px;
  font-weight: 600;
  line-height: 1.25;
}

.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.trust-strip li,
.pain-grid span {
  border: 1px solid var(--et-line);
  border-radius: var(--radius);
  background: #fff;
  color: #000;
  font-size: 14.5px;
  font-weight: 500;
  padding: 10px 12px;
}

.hero-media {
  position: relative;
  padding: 18px 10px 15px;
}

.hero-media img,
.image-band-grid img {
  width: 100%;
  border-radius: var(--image-radius);
}

.hero-card {
  position: absolute;
  right: 0;
  bottom: 34px;
  width: min(280px, 72%);
  border-radius: var(--radius);
  background: #fff;
  padding: 18px;
  box-shadow: var(--shadow);
}

.hero-card span {
  display: block;
  color: var(--et-primary);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
}

.hero-card strong {
  display: block;
  margin-top: 5px;
  color: #000;
  font-size: 20px;
  line-height: 1.18;
}

.two-column,
.image-band-grid,
.process-grid {
  grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
  gap: 50px;
}

.process-grid {
  grid-template-columns: minmax(280px, 0.72fr) minmax(0, 1.28fr);
}

.two-column > div:first-child,
.image-band-grid > div,
.process-grid > div:first-child {
  display: grid;
  gap: 18px;
}

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

.section-heading {
  max-width: 850px;
  margin: 0 auto 44px;
  text-align: center;
  display: grid;
  gap: 12px;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.card {
  min-height: 220px;
  border: 1px solid var(--et-line);
  border-radius: var(--radius);
  background: #fff;
  padding: 24px;
  display: grid;
  align-content: start;
  gap: 14px;
}

.icon-dot {
  display: inline-flex;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--et-primary);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
}

.image-band-grid {
  grid-template-columns: minmax(0, 1fr) minmax(0, 0.88fr);
}

.image-band-grid.reverse {
  grid-template-columns: minmax(0, 0.88fr) minmax(0, 1fr);
}

.image-band-grid.reverse img {
  order: 2;
}

.calculator-layout {
  grid-template-columns: minmax(0, 1.1fr) minmax(360px, 0.9fr);
  align-items: start;
  gap: 32px;
}

.scenario-form,
.result-panel {
  border: 1px solid var(--et-line);
  border-radius: var(--image-radius);
  background: #fff;
  box-shadow: var(--shadow);
}

.scenario-form {
  position: relative;
  padding: 28px;
}

.form-honeypot {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip-path: inset(50%);
  white-space: nowrap;
}

.form-section {
  padding: 26px 0;
  border-bottom: 1px solid var(--et-line);
}

.scenario-form > .form-section:first-of-type {
  padding-top: 0;
}

.form-section h3 {
  margin-bottom: 18px;
}

.form-section h3 em {
  color: var(--et-muted);
  font-size: 16px;
  font-style: normal;
  font-weight: 500;
}

.business-purpose-section {
  margin: 0 -12px;
  border-left: 4px solid var(--et-secondary);
  background: #f7faff;
  padding-right: 16px;
  padding-left: 16px;
}

.purpose-intro {
  display: block;
  margin: -10px 0 16px;
  font-size: 13.5px;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

label {
  display: grid;
  gap: 8px;
  color: var(--et-ink);
  font-size: 14.5px;
  font-weight: 600;
}

label em {
  color: var(--et-muted);
  font-style: normal;
  font-weight: 400;
}

input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid #cfd5df;
  border-radius: var(--radius);
  background: #fff;
  color: var(--et-ink);
  padding: 12px 13px;
}

textarea {
  resize: vertical;
}

[aria-invalid="true"] {
  border-color: var(--et-danger);
}

.error-message {
  min-height: 18px;
  color: var(--et-danger);
  font-size: 12px;
  font-weight: 600;
}

.field-hint {
  color: #59636f;
  font-size: 12.5px;
  font-weight: 500;
  line-height: 1.45;
}

.upload-intro {
  display: block;
  margin: -8px 0 16px;
  font-size: 13.5px;
}

.file-upload {
  border: 1px dashed #b8c4d4;
  border-radius: var(--radius);
  background: var(--et-soft);
  padding: 16px;
}

.file-upload input {
  min-height: auto;
  background: #fff;
}

.file-list {
  display: grid;
  gap: 8px;
  margin-top: 12px;
  padding: 0;
  list-style: none;
}

.file-list li {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  border: 1px solid var(--et-line);
  border-radius: var(--radius);
  background: #fff;
  padding: 10px 12px;
  color: var(--et-ink);
  font-size: 13px;
  font-weight: 600;
}

.file-list span:first-child {
  min-width: 0;
  overflow-wrap: anywhere;
}

.file-list span:nth-child(2) {
  flex: 0 0 auto;
  color: var(--et-muted);
  font-weight: 500;
}

.file-remove {
  flex: 0 0 auto;
  border: 0;
  background: transparent;
  color: var(--et-danger);
  cursor: pointer;
  font-family: Roboto, Montserrat, Arial, sans-serif;
  font-size: 12px;
  font-weight: 700;
  padding: 4px;
}

.full-field {
  grid-column: 1 / -1;
}

.fine-print {
  margin-top: 22px;
  color: #4f5862;
  font-size: 13px;
  line-height: 1.55;
}

.result-panel {
  position: sticky;
  top: 24px;
  padding: 26px;
}

.result-status {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 18px;
  border-radius: 14px;
  padding: 20px;
}

.result-status h3 {
  margin: 4px 0 8px;
}

.result-status ul {
  margin: 10px 0 0;
  padding-left: 18px;
  color: var(--et-muted);
}

.result-neutral {
  background: var(--et-soft);
}

.result-approved {
  background: var(--et-green-bg);
}

.result-declined {
  background: var(--et-danger-bg);
}

.result-face {
  display: inline-flex;
  width: 58px;
  height: 58px;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: #fff;
  color: var(--et-ink);
  font-size: 22px;
  font-weight: 700;
}

.result-approved .result-face {
  color: var(--et-green);
}

.result-declined .result-face {
  color: var(--et-danger);
}

.breakdown {
  margin-top: 22px;
  overflow: hidden;
  border: 1px solid var(--et-line);
  border-radius: var(--radius);
}

.breakdown-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 13px 15px;
  border-bottom: 1px solid var(--et-line);
  font-size: 14px;
}

.breakdown-row:last-child {
  border-bottom: 0;
}

.breakdown-row span {
  color: var(--et-muted);
}

.breakdown-row strong {
  color: #000;
  text-align: right;
}

.breakdown-row.emphasis {
  background: #eef5ff;
}

.result-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 22px;
}

.submit-notice {
  margin-top: 16px;
  border-radius: var(--radius);
  padding: 13px;
  font-size: 14px;
  font-weight: 600;
}

.submit-success {
  background: var(--et-green-bg);
  color: var(--et-green);
}

.submit-sending {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 10px 12px;
  align-items: center;
  background: #eef5ff;
  color: var(--et-secondary);
}

.submit-spinner {
  width: 18px;
  height: 18px;
  border: 3px solid rgba(25, 75, 133, 0.18);
  border-top-color: var(--et-primary);
  border-radius: 999px;
  animation: spin 820ms linear infinite;
}

.submit-progress {
  grid-column: 1 / -1;
  height: 5px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(97, 154, 230, 0.22);
}

.submit-progress span {
  display: block;
  width: 42%;
  height: 100%;
  border-radius: inherit;
  background: var(--et-primary);
  animation: progress-slide 1.25s ease-in-out infinite;
}

.submit-warning,
.submit-error {
  background: var(--et-danger-bg);
  color: var(--et-danger);
}

.application-cta {
  display: grid;
  gap: 12px;
  margin-top: 16px;
  border: 1px solid rgba(97, 154, 230, 0.35);
  border-radius: 14px;
  background: linear-gradient(135deg, #eef5ff 0%, #e7f8ef 100%);
  padding: 20px;
  box-shadow: 0 14px 30px rgba(25, 75, 133, 0.12);
}

.application-cta[hidden] {
  display: none;
}

.application-cta h3 {
  margin: 0;
  color: var(--et-secondary);
  font-size: 24px;
}

.application-cta p {
  margin: 0;
  color: var(--et-ink);
  font-size: 15px;
  line-height: 1.45;
}

.application-cta .button {
  width: 100%;
  margin-top: 4px;
}

.application-cta small {
  color: #59636f;
  font-size: 12.5px;
  line-height: 1.4;
  text-align: center;
}

.application-link {
  overflow-wrap: anywhere;
  color: var(--et-secondary);
  font-size: 12px;
  font-weight: 600;
  text-align: center;
  text-decoration: underline;
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

@keyframes progress-slide {
  0% {
    transform: translateX(-115%);
  }

  50% {
    transform: translateX(90%);
  }

  100% {
    transform: translateX(245%);
  }
}

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

.steps li {
  min-height: 154px;
  border: 1px solid var(--et-line);
  border-radius: var(--radius);
  background: #fff;
  padding: 24px;
  display: grid;
  grid-template-columns: 48px minmax(0, 1fr);
  gap: 8px 18px;
  align-content: start;
}

.steps strong,
.steps p {
  grid-column: 2;
}

.steps strong {
  align-self: end;
  line-height: 1.3;
}

.steps span {
  width: 42px;
  height: 42px;
  grid-row: 1 / span 2;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--et-primary);
  color: #fff;
  font-weight: 700;
}

.section-dark {
  background: var(--et-primary);
  color: #fff;
}

.section-dark h2,
.section-dark h3 {
  color: #fff;
}

.section-dark .eyebrow,
.section-dark p,
.section-dark .tick-list li {
  color: #fff;
}

.tick-list,
.need-list {
  display: grid;
  gap: 12px;
  margin: 8px 0 0;
  padding: 0;
  list-style: none;
}

.tick-list li,
.need-list li {
  position: relative;
  padding-left: 32px;
  color: var(--et-muted);
}

.tick-list li::before,
.need-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 14px;
  height: 14px;
  border-radius: 999px;
  background: var(--et-primary);
}

.section-dark .tick-list li::before {
  background: #fff;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

details {
  border: 1px solid var(--et-line);
  border-radius: var(--radius);
  background: #fff;
  padding: 18px 20px;
}

summary {
  cursor: pointer;
  color: var(--et-ink);
  font-weight: 600;
}

details p {
  margin-top: 12px;
}

.final-cta {
  background: var(--et-primary);
  color: #fff;
}

.final-cta h2,
.final-cta .eyebrow,
.final-cta p {
  color: #fff;
}

.final-cta-inner {
  display: grid;
  justify-items: center;
  gap: 22px;
  text-align: center;
}

.final-cta h2 {
  max-width: 900px;
}

.site-footer {
  background: #fff;
  color: var(--et-ink);
  padding: 75px 0 0;
}

.site-footer p,
.site-footer a {
  color: #000;
  font-size: 15.4px;
}

.site-footer h2 {
  margin-bottom: 16px;
  color: var(--et-ink);
  font-size: 20px;
  font-weight: 400;
}

.footer-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
  align-items: start;
  gap: 0;
}

.footer-grid > div {
  display: grid;
  gap: 10px;
  padding: 20px;
}

.footer-grid img {
  width: 200px;
  margin-bottom: 12px;
}

.footer-grid a:hover {
  color: var(--et-primary);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  margin-top: 30px;
  padding: 15px 35px;
  background: #000;
  color: var(--et-primary);
  font-size: 13px;
}

.mobile-sticky {
  position: fixed;
  inset: auto 0 0 0;
  z-index: 60;
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  border-top: 1px solid var(--et-line);
  background: #fff;
  padding: 10px;
  box-shadow: 0 -14px 30px rgba(25, 39, 48, 0.12);
}

.mobile-sticky a {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius);
  font-weight: 600;
}

.mobile-sticky a:first-child {
  border: 1px solid var(--et-line);
}

.mobile-sticky a:last-child {
  background: var(--et-primary);
  color: #fff;
}

.mobile-sticky a.is-disabled {
  pointer-events: none;
  opacity: 0.72;
}

@media (max-width: 1080px) {
  .desktop-nav {
    display: none;
  }

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

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

@media (max-width: 860px) {
  .section {
    padding: 50px 0;
  }

  .shell {
    width: min(100% - 40px, 767px);
  }

  .hero-grid,
  .two-column,
  .image-band-grid,
  .image-band-grid.reverse,
  .process-grid,
  .calculator-layout,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .image-band-grid.reverse img {
    order: 0;
  }

  .hero-media {
    max-width: 620px;
  }

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

  .result-panel {
    position: static;
  }

  .header-actions .button-secondary,
  .phone-link {
    display: none;
  }

  .footer-bottom {
    display: grid;
  }
}

@media (max-width: 640px) {
  .shell {
    width: min(100% - 28px, 767px);
  }

  body {
    padding-bottom: 74px;
  }

  h1 {
    font-size: 26px;
    line-height: 42px;
    text-align: center;
  }

  h2 {
    font-size: 22px;
    line-height: 32px;
  }

  .hero-subhead {
    font-size: 18px;
    text-align: center;
  }

  .header-inner {
    min-height: 70px;
    padding: 10px 0;
  }

  .brand img {
    width: 160px;
    height: auto;
  }

  .header-actions .button {
    display: none;
  }

  .hero-copy {
    padding: 1px;
    justify-items: center;
  }

  .cta-row,
  .result-actions {
    display: grid;
    grid-template-columns: 1fr;
    width: 100%;
  }

  .trust-strip {
    display: grid;
    width: 100%;
  }

  .benefit-grid,
  .steps {
    grid-template-columns: 1fr;
  }

  .scenario-form,
  .result-panel {
    padding: 18px;
    border-radius: 18px;
  }

  .result-status {
    grid-template-columns: 1fr;
  }

  .breakdown-row {
    align-items: flex-start;
    flex-direction: column;
    gap: 4px;
  }

  .hero-card {
    position: static;
    width: 100%;
    margin-top: 12px;
  }

  .mobile-sticky {
    display: grid;
  }
}

/* Broker conversion page */
.site-header {
  position: sticky;
  top: 0;
  border-bottom: 1px solid #e4e8ef;
  box-shadow: 0 4px 18px rgba(19, 62, 118, 0.06);
}

.broker-hero {
  display: block;
  padding-top: 58px;
  padding-bottom: 0;
  background: #fff;
}

.broker-hero .hero-grid {
  align-items: center;
  gap: 64px;
}

.broker-hero h1 {
  max-width: 720px;
  font-size: 48px;
  line-height: 1.14;
  font-weight: 700;
}

.broker-hero .hero-subhead {
  max-width: 690px;
  font-size: 19px;
  line-height: 1.55;
  color: #303844;
}

.button-large {
  min-height: 58px;
  min-width: 210px;
  padding-inline: 25px;
}

.broker-hero .cta-row {
  flex-wrap: wrap;
}

.hero-call-link {
  flex-basis: 100%;
  width: 100%;
  color: var(--et-secondary);
  font-size: 14px;
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.hero-media {
  min-height: 560px;
  aspect-ratio: 4 / 5;
  border-radius: 8px;
  overflow: hidden;
}

.broker-hero .hero-media {
  padding: 0;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

.hero-proof-card {
  left: 24px;
  right: 24px;
  bottom: 24px;
  max-width: none;
  border-left: 5px solid var(--et-primary);
  border-radius: 6px;
}

.hero-proof-card strong {
  font-size: 18px;
  line-height: 1.35;
}

.hero-qualifiers {
  margin-top: 46px;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  background: var(--et-secondary);
  color: #fff;
  border-radius: 8px 8px 0 0;
}

.hero-qualifiers div {
  min-width: 0;
  padding: 24px;
  border-right: 1px solid rgba(255, 255, 255, 0.2);
}

.hero-qualifiers div:last-child {
  border-right: 0;
}

.hero-qualifiers strong,
.hero-qualifiers span {
  display: block;
}

.hero-qualifiers strong {
  margin-bottom: 4px;
  font-size: 17px;
}

.hero-qualifiers span {
  color: rgba(255, 255, 255, 0.82);
  font-size: 13px;
  line-height: 1.45;
}

.urgency-section {
  background: #f4f8ff;
}

.urgency-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.25fr);
  gap: 72px;
  align-items: start;
}

.urgency-intro {
  position: sticky;
  top: 120px;
}

.urgency-intro h2 {
  margin-bottom: 20px;
  font-size: 40px;
  line-height: 1.16;
}

.urgency-intro p:not(.eyebrow) {
  margin-bottom: 22px;
  font-size: 17px;
  line-height: 1.65;
  color: #354052;
}

.text-link {
  color: var(--et-secondary);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.decision-questions {
  margin: 0;
  padding: 0;
  display: grid;
  gap: 12px;
  list-style: none;
}

.decision-questions li {
  display: grid;
  grid-template-columns: 52px minmax(0, 1fr);
  gap: 18px;
  padding: 24px;
  background: #fff;
  border: 1px solid #dfe6f1;
  border-radius: 8px;
}

.decision-questions li > span,
.playbook-group-heading > span {
  width: 46px;
  height: 46px;
  display: inline-grid;
  place-items: center;
  flex: 0 0 auto;
  border-radius: 50%;
  background: var(--et-primary);
  color: #fff;
  font-size: 13px;
  font-weight: 800;
}

.decision-questions strong {
  display: block;
  margin-bottom: 6px;
  color: #0b1724;
  font-size: 18px;
}

.decision-questions p {
  color: #4e5968;
}

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

.conversion-benefits .card,
.message-card {
  border-radius: 8px;
}

.conversion-benefits .card {
  border-top: 4px solid var(--et-primary);
  box-shadow: 0 14px 34px rgba(19, 62, 118, 0.07);
}

.conversion-benefits .card:nth-child(even) {
  background: #f7faff;
}

.process-sprint-section {
  position: relative;
  overflow: hidden;
  background: #eef5ff;
}

.process-sprint-section::before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: 10px;
  background: var(--et-primary);
}

.process-sprint-header {
  margin-bottom: 42px;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(290px, 0.75fr);
  gap: 46px;
  align-items: end;
}

.process-sprint-header h2 {
  max-width: 760px;
  margin: 7px 0 14px;
  font-size: 42px;
  line-height: 1.15;
}

.process-sprint-header p:not(.eyebrow) {
  max-width: 690px;
  color: #445166;
  font-size: 17px;
}

.speed-callout {
  padding: 22px 24px;
  border-left: 5px solid #27a46b;
  border-radius: 7px;
  background: #fff;
  box-shadow: 0 16px 38px rgba(19, 62, 118, 0.11);
}

.speed-callout span,
.speed-callout strong {
  display: block;
}

.speed-callout span {
  margin-bottom: 5px;
  color: #4f6176;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

.speed-callout strong {
  color: var(--et-secondary);
  font-size: 21px;
  line-height: 1.25;
}

.funding-track {
  position: relative;
  margin: 0;
  padding: 24px;
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 12px;
  border-radius: 8px;
  background: var(--et-secondary);
  box-shadow: 0 24px 54px rgba(19, 62, 118, 0.18);
  list-style: none;
}

.funding-track::before {
  content: "";
  position: absolute;
  top: 54px;
  left: 9%;
  right: 9%;
  height: 3px;
  background: #83b5f3;
}

.funding-track li {
  position: relative;
  z-index: 1;
  min-height: 238px;
  padding: 15px 16px 19px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 7px;
  background: #fff;
}

.track-marker {
  width: 38px;
  height: 38px;
  margin-bottom: 22px;
  display: grid;
  place-items: center;
  border: 4px solid var(--et-secondary);
  border-radius: 50%;
  background: var(--et-primary);
  color: #fff;
  font-size: 13px;
  font-weight: 800;
  box-shadow: 0 0 0 3px #83b5f3;
}

.funding-track li:last-child .track-marker {
  background: #27a46b;
  box-shadow: 0 0 0 3px #78d6ab;
}

.track-time {
  min-height: 27px;
  display: block;
  color: #4f79b7;
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
}

.funding-track h3 {
  margin: 4px 0 9px;
  color: #0b1724;
  font-size: 18px;
  line-height: 1.25;
}

.funding-track p {
  color: #536072;
  font-size: 14px;
  line-height: 1.55;
}

.process-footnote {
  margin-top: 18px;
  padding: 17px 20px;
  display: flex;
  gap: 12px;
  border: 1px solid #cfddf0;
  border-radius: 7px;
  background: rgba(255, 255, 255, 0.72);
  color: #425066;
  font-size: 13px;
  line-height: 1.55;
}

.process-footnote strong {
  flex: 0 0 auto;
  color: var(--et-secondary);
}

.consent-field {
  display: grid;
  grid-template-columns: 22px minmax(0, 1fr);
  align-items: start;
  gap: 12px;
  margin-top: 4px;
  padding: 15px 16px;
  border: 1px solid #d8e2f1;
  border-radius: 7px;
  background: #f7faff;
  cursor: pointer;
}

.consent-field input {
  width: 20px;
  height: 20px;
  margin: 2px 0 0;
  accent-color: var(--et-secondary);
}

.consent-field > span {
  font-weight: 700;
  line-height: 1.45;
}

.consent-field small {
  display: block;
  margin-top: 4px;
  color: #647084;
  font-weight: 500;
}

.broker-playbook {
  background: #f7faff;
}

.playbook-heading {
  max-width: 850px;
  margin-inline: auto;
  text-align: center;
}

.playbook-heading h2 {
  font-size: 42px;
}

.playbook-group {
  margin-top: 66px;
}

.playbook-group-heading {
  margin-bottom: 22px;
  display: flex;
  align-items: center;
  gap: 16px;
}

.playbook-group-heading h3 {
  font-size: 26px;
}

.playbook-group-heading .eyebrow {
  margin-bottom: 3px;
}

.message-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.message-card {
  min-height: 210px;
  padding: 26px;
  border: 1px solid #dfe5ee;
  border-top: 4px solid var(--et-primary);
  background: #fff;
  box-shadow: 0 13px 30px rgba(19, 62, 118, 0.07);
}

.message-card h4 {
  margin: 0 0 12px;
  color: #0b1724;
  font-size: 19px;
  line-height: 1.35;
}

.message-card p {
  color: #4a5565;
  line-height: 1.65;
}

.playbook-cta {
  margin-top: 54px;
  padding: 30px 34px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  border-radius: 8px;
  background: var(--et-secondary);
}

.playbook-cta h3 {
  color: #fff;
  font-size: 25px;
}

.playbook-cta .eyebrow {
  color: #a9ccff;
}

.playbook-cta .button {
  flex: 0 0 auto;
}

@media (max-width: 1080px) {
  .broker-hero .hero-grid {
    gap: 36px;
  }

  .broker-hero h1 {
    font-size: 40px;
  }

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

  .hero-qualifiers div:nth-child(2) {
    border-right: 0;
  }

  .hero-qualifiers div:nth-child(-n + 2) {
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
  }

  .urgency-layout {
    gap: 42px;
  }

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

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

  .funding-track::before {
    display: none;
  }

  .funding-track li:last-child {
    min-height: 180px;
    grid-column: 1 / -1;
  }
}

@media (max-width: 860px) {
  .process-sprint-header {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .process-sprint-header h2 {
    font-size: 34px;
  }

  .broker-hero {
    padding-top: 38px;
  }

  .broker-hero .hero-grid,
  .urgency-layout {
    grid-template-columns: 1fr;
  }

  .broker-hero h1 {
    font-size: 38px;
  }

  .hero-media {
    min-height: 420px;
    aspect-ratio: 16 / 10;
  }

  .urgency-intro {
    position: static;
  }
}

@media (max-width: 640px) {
  .process-sprint-section::before {
    width: 6px;
  }

  .process-sprint-header h2 {
    font-size: 29px;
  }

  .funding-track {
    grid-template-columns: 1fr;
    padding: 14px;
  }

  .funding-track li,
  .funding-track li:last-child {
    min-height: 0;
    grid-column: auto;
  }

  .track-marker {
    margin-bottom: 16px;
  }

  .process-footnote {
    display: grid;
  }

  .broker-hero h1 {
    font-size: 30px;
    line-height: 1.22;
    text-align: left;
  }

  .broker-hero .hero-subhead {
    font-size: 17px;
    text-align: left;
  }

  .broker-hero .hero-copy {
    justify-items: start;
  }

  .hero-call-link {
    text-align: center;
  }

  .button-large {
    min-width: 0;
  }

  .hero-media {
    min-height: 390px;
    aspect-ratio: 4 / 5;
  }

  .hero-proof-card {
    left: 14px;
    right: 14px;
    bottom: 14px;
  }

  .hero-qualifiers {
    margin-top: 30px;
    grid-template-columns: 1fr;
  }

  .hero-qualifiers div,
  .hero-qualifiers div:nth-child(2) {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
  }

  .hero-qualifiers div:last-child {
    border-bottom: 0;
  }

  .urgency-intro h2,
  .playbook-heading h2 {
    font-size: 28px;
  }

  .decision-questions li {
    grid-template-columns: 42px minmax(0, 1fr);
    gap: 13px;
    padding: 18px;
  }

  .decision-questions li > span,
  .playbook-group-heading > span {
    width: 40px;
    height: 40px;
  }

  .conversion-benefits,
  .message-grid {
    grid-template-columns: 1fr;
  }

  .playbook-group {
    margin-top: 44px;
  }

  .playbook-group-heading {
    align-items: flex-start;
  }

  .playbook-group-heading h3 {
    font-size: 21px;
  }

  .message-card {
    min-height: 0;
    padding: 21px;
  }

  .playbook-cta {
    padding: 24px;
    align-items: stretch;
    flex-direction: column;
  }
}

/* Main-site visual refresh, loaded last so the new Equity Tap system wins. */
:root{--et-primary:#2b62e9;--et-secondary:#02014d;--et-ink:#071532;--et-muted:#5c6b83;--et-line:#dce5f2;--et-soft:#f3f7fd;--radius:18px;--image-radius:28px;--shadow:0 24px 70px rgba(2,1,77,.13)}
body{font-family:Inter,Montserrat,Arial,ui-sans-serif,system-ui,sans-serif}
h1,h2,h3,h4{color:var(--et-ink);font-weight:750;letter-spacing:-.035em}
h1{font-size:clamp(3rem,6.3vw,6.6rem);line-height:.94;max-width:980px}
h2{font-size:clamp(2.35rem,4.7vw,4.8rem);line-height:1}
p{color:var(--et-muted);font-size:16px;line-height:1.72}
.site-header{position:sticky;top:0;border-bottom:1px solid rgba(2,1,77,.08);backdrop-filter:blur(16px);background:rgba(255,255,255,.94)}
.header-inner{min-height:82px}.brand img{width:200px;height:auto}
.hero{background:linear-gradient(135deg,#02014d 0%,#06183e 60%,#123d78 100%)}
.hero h1,.hero h2,.hero h3,.hero p,.hero li{color:#fff}.hero .eyebrow{color:#8ee8ff}
.hero-media img{border-radius:32px}.hero-proof-card{border-radius:20px;background:rgba(2,1,77,.9);backdrop-filter:blur(10px)}
.hero-qualifiers{border-radius:24px;background:rgba(255,255,255,.09)}.section-muted{background:var(--et-soft)}
.card,.message-card,.result-panel,.scenario-form,.decision-questions li,.process-footnote{border-radius:22px;border-color:var(--et-line);box-shadow:0 14px 45px rgba(2,1,77,.07)}
.button{border-radius:999px;background:#2b62e9;box-shadow:0 10px 28px rgba(43,98,233,.25)}
.button-secondary{border-color:#77dcff;color:#fff}.image-band{background:#061638}
.image-band h2,.image-band p,.image-band li,.section-dark h2,.section-dark p,.section-dark li{color:#fff}
.image-band-grid{gap:clamp(40px,7vw,100px)}.image-band-grid img{border-radius:28px;min-height:430px;object-fit:cover}
.calculator-section{background:linear-gradient(180deg,#f3f7fd,#fff)}
.form-section input,.form-section select,.form-section textarea{border-radius:12px;border-color:#cad7ea}
.result-panel{background:#02014d}.result-panel h3,.result-panel p,.result-panel span,.result-panel li{color:#fff}
.faq-grid details{border-radius:16px;border-color:var(--et-line)}.final-cta{background:linear-gradient(135deg,#02014d,#123d78)}
.final-cta h2,.final-cta p,.final-cta .eyebrow{color:#fff}.site-footer{background:#01022b}.site-footer img{width:200px;height:auto;object-fit:contain}
@media(max-width:720px){.shell{width:min(100% - 28px,1200px)}.hero{padding-top:58px}h1{font-size:clamp(2.75rem,15vw,4.2rem)}.hero-media{min-height:360px}.image-band-grid img{min-height:300px}}
.broker-hero h1{font-size:clamp(3rem,5.25vw,5.4rem);line-height:1.01;max-width:720px}
.broker-hero .hero-subhead,.broker-hero .hero-call-link{color:#d6e2f5}
.broker-hero .trust-strip li{color:#02014d}
@media(max-width:720px){.broker-hero h1{font-size:clamp(2.65rem,13vw,4rem)}}

/* Keep light cards legible inside dark broker sections, including calculated results. */
.hero-proof-card strong { color: #fff; }
.hero-proof-card span { color: #aee9ff; }
.broker-application-prompt { margin: 0; color: #e9f2ff; font-size: 14px; }
/* Keep the partner portal prominent in the broker header, including on phones. */
.header-actions .portal-login { background: var(--et-secondary); border-color: var(--et-secondary); white-space: nowrap; }
.header-actions .portal-login:hover { background: var(--et-primary); border-color: var(--et-primary); }
@media (max-width: 640px) {
  .header-actions .portal-login { display: inline-flex; min-height: 38px; padding: 8px 12px; font-size: 12px; }
}
.broker-application-prompt a { color: #aee9ff; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.broker-application-prompt a:hover { color: #fff; }
.result-panel .result-status h3,
.result-panel .result-status p,
.result-panel .result-status span,
.result-panel .result-status li,
.result-panel .application-cta h3,
.result-panel .application-cta p,
.result-panel .application-cta small,
.result-panel .application-cta .application-link,
.result-panel .breakdown-row.emphasis,
.result-panel .breakdown-row.emphasis span { color: #071532; }
.result-panel .result-status .result-face { color: #071532; }
.result-panel .result-actions .button-ghost,
.final-cta .button-ghost { background: #fff; color: #02014d; border-color: #fff; }
.result-panel .result-actions .button-ghost:hover,
.final-cta .button-ghost:hover { background: #dbeaff; color: #02014d; border-color: #dbeaff; }
.result-panel .application-cta .button { color: #fff; }

/* Match the accessible white footer used across the main site. */
.site-footer { background: #fff; color: #071532; border-top: 1px solid #dce5f2; }
.site-footer p, .site-footer a, .site-footer h2 { color: #071532; }
.site-footer .button { color: #fff; }
.site-footer img { width: 200px; height: auto; object-fit: contain; }
.footer-bottom { background: #f3f7fd; color: #273b5a; border-top: 1px solid #dce5f2; }
.funding-track .track-time { color: #426aa8; }