:root {
  --ink: #142126;
  --muted: #607076;
  --red: #a41424;
  --red-dark: #7e0d1b;
  --red-soft: #f8e9eb;
  --cream: #f7f5f0;
  --paper: #ffffff;
  --line: #dfe4e2;
  --green: #1d6b55;
  --gold: #c58a32;
  --shadow: 0 22px 70px rgba(21, 36, 41, .09);
  --radius: 20px;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.55; }
button, select, input { font: inherit; }
a { color: inherit; }
.shell { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.skip-link { position: fixed; top: 8px; left: 8px; z-index: 100; transform: translateY(-150%); background: #fff; padding: 10px 14px; border-radius: 8px; box-shadow: var(--shadow); }
.skip-link:focus { transform: translateY(0); }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); border-bottom: 1px solid rgba(20,33,38,.08); backdrop-filter: blur(18px); }
.header-inner { height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; line-height: 1.05; }
.brand-mark { display: grid; place-items: center; width: 38px; height: 42px; color: #fff; background: var(--red); clip-path: polygon(50% 0, 62% 24%, 84% 15%, 78% 39%, 100% 50%, 76% 60%, 85% 85%, 60% 77%, 50% 100%, 40% 77%, 15% 85%, 24% 60%, 0 50%, 22% 39%, 16% 15%, 38% 24%); font-size: 11px; }
.brand strong, .brand small { display: block; }
.brand strong { font-family: Georgia, "Times New Roman", serif; font-size: 19px; letter-spacing: -.2px; }
.brand small { margin-top: 4px; color: var(--muted); font-size: 10px; font-weight: 700; letter-spacing: 1.8px; text-transform: uppercase; }
nav { display: flex; align-items: center; gap: 32px; margin-left: auto; }
nav a { color: #4f5f64; text-decoration: none; font-size: 14px; font-weight: 650; }
nav a:hover { color: var(--red); }
.header-cta { padding: 11px 18px; border: 1px solid var(--red); border-radius: 999px; color: var(--red); text-decoration: none; font-size: 13px; font-weight: 750; }

.hero { position: relative; overflow: hidden; background: linear-gradient(125deg, #f8f5ef 0%, #f3f5f1 57%, #f8ecec 100%); border-bottom: 1px solid #e5e1da; }
.hero::before { content: ""; position: absolute; inset: 0; opacity: .34; background-image: radial-gradient(rgba(40,61,65,.13) .7px, transparent .7px); background-size: 16px 16px; mask-image: linear-gradient(to right, black, transparent 65%); }
.hero-glow { position: absolute; border-radius: 50%; filter: blur(1px); opacity: .65; }
.hero-glow-one { width: 480px; height: 480px; right: -150px; top: -200px; background: radial-gradient(circle, rgba(164,20,36,.13), transparent 65%); }
.hero-glow-two { width: 380px; height: 380px; left: 25%; bottom: -300px; background: radial-gradient(circle, rgba(29,107,85,.12), transparent 65%); }
.hero-grid { position: relative; min-height: 610px; display: grid; grid-template-columns: 1.25fr .75fr; gap: 86px; align-items: center; padding-block: 86px; }
.eyebrow, .kicker { color: var(--red); font-size: 12px; font-weight: 800; letter-spacing: 1.8px; text-transform: uppercase; }
.eyebrow { display: flex; align-items: center; gap: 10px; }
.eyebrow span { width: 28px; height: 1px; background: var(--red); }
.hero h1 { max-width: 760px; margin: 24px 0 22px; font-family: Georgia, "Times New Roman", serif; font-size: clamp(45px, 5.5vw, 73px); line-height: 1.03; letter-spacing: -2.5px; font-weight: 500; }
.hero h1 em { color: var(--red); font-style: italic; }
.hero-lead { max-width: 640px; margin: 0; color: #536267; font-size: 18px; line-height: 1.72; }
.hero-actions { display: flex; align-items: center; gap: 28px; margin-top: 34px; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 12px; min-height: 50px; padding: 13px 22px; border: 0; border-radius: 11px; cursor: pointer; text-decoration: none; font-weight: 760; font-size: 14px; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { color: #fff; background: var(--red); box-shadow: 0 12px 28px rgba(164,20,36,.22); }
.button-primary:hover { background: var(--red-dark); }
.text-link { color: var(--ink); text-underline-offset: 5px; font-size: 14px; font-weight: 700; }
.trust-list { display: flex; flex-wrap: wrap; gap: 22px; margin: 34px 0 0; padding: 0; list-style: none; color: #617074; font-size: 12px; font-weight: 650; }
.trust-list span { display: inline-grid; place-items: center; width: 17px; height: 17px; margin-right: 5px; border-radius: 50%; color: #fff; background: var(--green); font-size: 10px; }

.hero-card { position: relative; overflow: hidden; padding: 34px; border: 1px solid rgba(255,255,255,.7); border-radius: 28px; color: #fff; background: linear-gradient(145deg, #202e32, #111d21); box-shadow: 0 35px 80px rgba(18,29,33,.25); }
.hero-card::after { content: ""; position: absolute; width: 170px; height: 170px; right: -40px; bottom: -60px; border-radius: 50%; background: rgba(164,20,36,.35); filter: blur(30px); }
.mini-map { position: relative; height: 96px; margin: -8px -5px 4px; opacity: .85; }
.maple { position: absolute; right: 15px; top: 5px; color: #e05a68; font-size: 48px; }
.route { position: absolute; height: 1px; background: linear-gradient(90deg, transparent, rgba(255,255,255,.4), transparent); transform-origin: left; }
.route-a { width: 220px; left: 20px; top: 48px; transform: rotate(-10deg); }
.route-b { width: 180px; left: 70px; top: 70px; transform: rotate(13deg); }
.dot { position: absolute; width: 6px; height: 6px; border: 1px solid #fff; border-radius: 50%; box-shadow: 0 0 0 5px rgba(255,255,255,.06); }
.dot-a { left: 18px; top: 42px; }.dot-b { left: 152px; top: 25px; }.dot-c { left: 236px; top: 77px; }
.hero-score-label { color: #aab5b7; font-size: 12px; font-weight: 750; letter-spacing: 1.2px; text-transform: uppercase; }
.hero-score { margin-top: 4px; font-family: Georgia, serif; font-size: 72px; line-height: 1; letter-spacing: -3px; }
.hero-score-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 26px 0 20px; }
.hero-score-grid div { padding: 14px 15px; border: 1px solid rgba(255,255,255,.1); border-radius: 12px; background: rgba(255,255,255,.05); }
.hero-score-grid strong, .hero-score-grid span { display: block; }
.hero-score-grid strong { font-family: Georgia, serif; font-size: 22px; }
.hero-score-grid span { margin-top: 2px; color: #aeb8ba; font-size: 10px; text-transform: uppercase; letter-spacing: .8px; }
.hero-card > p { position: relative; z-index: 1; margin: 0; color: #b8c0c2; font-size: 12px; line-height: 1.65; }

.calculator-section { padding: 105px 0 120px; background: #fbfaf7; }
.section-heading { max-width: 690px; margin-bottom: 46px; }
.section-heading h2 { margin: 12px 0 10px; font-family: Georgia, serif; font-size: clamp(34px, 4vw, 50px); line-height: 1.1; letter-spacing: -1.5px; font-weight: 500; }
.section-heading p { margin: 0; color: var(--muted); }
.calculator-layout { display: grid; grid-template-columns: minmax(0, 1fr) 370px; align-items: start; gap: 30px; }
.calculator-form { display: grid; gap: 18px; }
.form-card { padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 8px 25px rgba(21,36,41,.025); }
.card-heading { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 27px; }
.step-number { display: grid; flex: 0 0 auto; place-items: center; width: 36px; height: 36px; border-radius: 50%; color: var(--red); background: var(--red-soft); font-size: 11px; font-weight: 850; }
.card-heading h3 { margin: 0; font-family: Georgia, serif; font-size: 23px; font-weight: 500; }
.card-heading p { margin: 3px 0 0; color: #778589; font-size: 13px; }
.field-grid { display: grid; gap: 18px; }
.two-col { grid-template-columns: repeat(2, minmax(0,1fr)); }
.four-col { grid-template-columns: repeat(4, minmax(0,1fr)); gap: 12px; }
.field > span, .ability-group legend { display: block; margin-bottom: 8px; color: #344348; font-size: 12px; font-weight: 780; }
.field small { display: block; margin-top: 7px; color: #7d898d; font-size: 10.5px; line-height: 1.45; }
select, .field > input { width: 100%; height: 48px; padding: 0 13px; border: 1px solid #cfd7d5; border-radius: 9px; color: #26363a; background-color: #fff; outline: none; }
select { padding-right: 38px; cursor: pointer; }
.field > input::placeholder { color: #9aa5a7; }
select:focus, button:focus-visible, a:focus-visible, input:focus-visible { outline: 3px solid rgba(164,20,36,.17); outline-offset: 2px; border-color: var(--red); }
.language-type { margin-bottom: 24px; }
.segmented { display: inline-flex; padding: 4px; border-radius: 10px; background: #eef1ef; }
.segmented label { cursor: pointer; }
.segmented input { position: absolute; opacity: 0; pointer-events: none; }
.segmented span { display: block; min-width: 110px; padding: 8px 15px; border-radius: 7px; text-align: center; color: #68777b; font-size: 12px; font-weight: 750; }
.segmented input:checked + span { color: var(--red); background: #fff; box-shadow: 0 3px 10px rgba(25,40,45,.09); }
.ability-group { min-width: 0; margin: 0; padding: 0; border: 0; }
.ability-field span { margin-bottom: 6px; font-size: 10px; font-weight: 750; letter-spacing: .4px; text-transform: uppercase; }
.ability-field select { height: 43px; font-size: 13px; }
.subsection-rule { height: 1px; margin: 27px 0 22px; background: #e7ebe9; }
.subsection-title { display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-bottom: 15px; }
.subsection-title h4 { margin: 0; font-family: Georgia, serif; font-size: 18px; font-weight: 500; }
.subsection-title p { margin: 2px 0 0; color: #849094; font-size: 11px; }
.link-button { padding: 4px; border: 0; color: var(--red); background: none; cursor: pointer; font-size: 11px; font-weight: 750; }
.check-stack { display: grid; gap: 12px; margin-top: 20px; }
.check-row { display: flex; align-items: flex-start; gap: 12px; padding: 15px; border: 1px solid #dce2e0; border-radius: 10px; cursor: pointer; transition: border .15s ease, background .15s ease; }
.check-row:has(input:checked) { border-color: rgba(164,20,36,.4); background: #fff8f8; }
.check-row input { position: absolute; opacity: 0; }
.check-ui { position: relative; flex: 0 0 20px; width: 20px; height: 20px; margin-top: 1px; border: 1.5px solid #aeb9b7; border-radius: 5px; background: #fff; }
.check-row input:checked + .check-ui { border-color: var(--red); background: var(--red); }
.check-row input:checked + .check-ui::after { content: ""; position: absolute; left: 6px; top: 2px; width: 5px; height: 10px; border: solid #fff; border-width: 0 2px 2px 0; transform: rotate(45deg); }
.check-row strong, .check-row small { display: block; }
.check-row strong { color: #304045; font-size: 12.5px; }
.check-row small { margin-top: 2px; color: #79868a; font-size: 10.5px; }
.spouse-language { margin-top: 24px; }
.informational-field .info-box { min-height: 82px; padding: 12px 14px; border-left: 3px solid var(--gold); border-radius: 7px; background: #f8f4eb; }
.info-box strong, .info-box small { display: block; }
.info-box strong { color: #8e631e; font-size: 12px; }
.info-box small { margin-top: 3px; color: #746b5e; font-size: 10.5px; line-height: 1.45; }
.french-note { display: flex; align-items: center; gap: 12px; margin-top: 20px; padding: 13px 15px; border-radius: 10px; background: #eef5f3; color: var(--green); }
.french-note > span { font-size: 20px; }
.french-note p { margin: 0; }
.french-note strong, .french-note small { display: block; }
.french-note strong { font-size: 12px; }.french-note b { color: var(--green); }.french-note small { margin-top: 2px; color: #627b74; font-size: 10px; }
.form-actions { display: flex; align-items: center; justify-content: space-between; padding: 8px 2px 0; }
.button-secondary { border: 1px solid #ccd5d3; color: #47575c; background: #fff; }
.form-actions p { color: #8a9699; font-size: 10px; }
.report-card { border-color: rgba(164,20,36,.25); box-shadow: 0 16px 40px rgba(164,20,36,.07); }
.consent-row { margin-top: 20px; }
.report-submit { width: 100%; margin-top: 18px; }
.report-submit:disabled { cursor: wait; opacity: .72; transform: none; }
.honeypot { position: absolute !important; left: -10000px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.submit-status { min-height: 18px; margin: 10px 0 0; color: #68777b; text-align: center; font-size: 11px; }
.submit-status.error { color: var(--red); }
.report-success { display: flex; align-items: center; gap: 17px; padding: 22px; border: 1px solid #b9d6cc; border-radius: 13px; background: #eef7f4; outline: none; }
.success-mark { display: grid; place-items: center; flex: 0 0 44px; width: 44px; height: 44px; border-radius: 50%; color: #fff; background: var(--green); font-size: 20px; font-weight: 800; }
.report-success h4 { margin: 0; font-family: Georgia, serif; font-size: 22px; font-weight: 500; }
.report-success p { margin: 4px 0 0; color: #5f746e; font-size: 12px; }

.score-panel { position: sticky; top: 100px; }
.score-panel-inner { overflow: hidden; padding: 29px; border-radius: 23px; color: #fff; background: linear-gradient(150deg, #1d2c30 0%, #0f1d21 100%); box-shadow: 0 28px 70px rgba(15,29,33,.2); }
.score-topline { display: flex; align-items: center; justify-content: space-between; color: #b8c3c4; font-size: 11px; font-weight: 750; letter-spacing: .6px; text-transform: uppercase; }
.live-pill { display: inline-flex; align-items: center; gap: 5px; padding: 4px 7px; border-radius: 999px; color: #a8d8c9; background: rgba(75,165,137,.12); font-size: 8px; }
.live-pill i { width: 5px; height: 5px; border-radius: 50%; background: #5fcca9; box-shadow: 0 0 0 4px rgba(95,204,169,.1); }
.score-number-wrap { display: flex; align-items: baseline; margin-top: 13px; }
.score-number-wrap strong { font-family: Georgia, serif; font-size: 72px; line-height: 1; letter-spacing: -3px; font-weight: 500; font-variant-numeric: tabular-nums; }
.score-number-wrap span { margin-left: 9px; color: #89989b; font-size: 14px; }
.score-meter { overflow: hidden; height: 5px; margin: 20px 0 13px; border-radius: 99px; background: rgba(255,255,255,.1); }
.score-meter span { display: block; width: 0; height: 100%; border-radius: inherit; background: linear-gradient(90deg, #c52d40, #e16672); transition: width .35s ease; }
.score-context { min-height: 37px; margin: 0; color: #9eabad; font-size: 11px; line-height: 1.55; }
.breakdown { margin: 24px -29px 0; padding: 23px 29px 10px; border-top: 1px solid rgba(255,255,255,.09); }
.breakdown h3 { margin: 0 0 15px; font-family: Georgia, serif; font-size: 16px; font-weight: 500; }
.breakdown-row { display: flex; align-items: center; justify-content: space-between; gap: 10px; padding: 9px 0; color: #aeb9bb; font-size: 10.5px; }
.breakdown-row span { display: flex; align-items: center; }
.breakdown-row strong { color: #fff; font-size: 11px; }.breakdown-row strong b { font-size: 13px; }.breakdown-row strong em { color: #8c999c; font-style: normal; }
.breakdown-row .dot { position: static; width: 7px; height: 7px; margin-right: 8px; border: 0; box-shadow: none; }
.dot.core { background: #dc5160; }.dot.spouse { background: #d7a24f; }.dot.transfer { background: #6ab39d; }.dot.additional { background: #8199c3; }
.next-step { display: flex; gap: 12px; margin: 14px 0 20px; padding: 14px; border: 1px solid rgba(255,255,255,.09); border-radius: 11px; background: rgba(255,255,255,.045); }
.next-icon { display: grid; place-items: center; flex: 0 0 29px; width: 29px; height: 29px; border-radius: 8px; color: #f4c5ca; background: rgba(197,45,64,.15); }
.next-step strong { display: block; font-size: 10.5px; }.next-step p { margin: 3px 0 0; color: #9fabad; font-size: 9.5px; line-height: 1.45; }
.button-light { width: 100%; min-height: 45px; color: #18272b; background: #fff; }
.privacy-note { margin: 13px 0 0; text-align: center; color: #829093; font-size: 9px; }
.report-envelope { position: relative; display: grid; place-items: center; width: 100%; height: 145px; margin: 24px 0 26px; border: 1px solid rgba(255,255,255,.1); border-radius: 16px; background: radial-gradient(circle at 50% 25%, rgba(197,45,64,.24), transparent 55%), rgba(255,255,255,.035); }
.report-envelope::before { content: ""; width: 91px; height: 63px; border: 1px solid rgba(255,255,255,.6); border-radius: 7px; background: linear-gradient(145deg, transparent 49%, rgba(255,255,255,.16) 50%, transparent 51%), linear-gradient(215deg, transparent 49%, rgba(255,255,255,.16) 50%, transparent 51%); }
.report-envelope span { position: absolute; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; color: #fff; background: var(--red); font-size: 12px; box-shadow: 0 8px 20px rgba(0,0,0,.25); }
.report-panel-title { margin: 0; font-family: Georgia, serif; font-size: 27px; line-height: 1.15; font-weight: 500; }
.report-panel-copy { margin: 12px 0 0; color: #9eabad; font-size: 11px; line-height: 1.65; }
.report-includes { margin: 24px -29px 18px; padding: 23px 29px; border-block: 1px solid rgba(255,255,255,.09); background: rgba(255,255,255,.025); }
.report-includes h4 { margin: 0 0 13px; font-family: Georgia, serif; font-size: 15px; font-weight: 500; }
.report-includes ul { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; color: #b3bfc0; font-size: 10.5px; }
.report-includes li { display: flex; align-items: center; gap: 8px; }
.report-includes li span { display: grid; place-items: center; width: 16px; height: 16px; border-radius: 50%; color: #9be0c9; background: rgba(80,180,147,.12); font-size: 9px; }

.how-section { padding: 110px 0; }
.centered { margin-inline: auto; text-align: center; }
.factor-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.factor-grid article { position: relative; overflow: hidden; min-height: 240px; padding: 28px 24px; border: 1px solid #e0e5e2; border-radius: 18px; background: #fff; }
.factor-grid article > span { position: absolute; right: 18px; top: 13px; color: #e6e9e7; font-family: Georgia, serif; font-size: 34px; }
.factor-icon { display: grid; place-items: center; width: 48px; height: 48px; margin-bottom: 34px; border-radius: 14px; color: var(--red); background: var(--red-soft); font-family: Georgia, serif; font-size: 22px; }
.factor-grid h3 { margin: 0 0 9px; font-family: Georgia, serif; font-size: 20px; font-weight: 500; }
.factor-grid p { margin: 0; color: #748185; font-size: 12px; line-height: 1.65; }
.official-section { padding: 0 0 105px; }
.official-card { display: flex; align-items: center; justify-content: space-between; gap: 50px; padding: 52px 58px; border-radius: 24px; color: #fff; background: linear-gradient(125deg, var(--red-dark), var(--red)); box-shadow: 0 25px 60px rgba(126,13,27,.18); }
.kicker.light { color: #f5b4bc; }
.official-card h2 { margin: 9px 0; font-family: Georgia, serif; font-size: 35px; font-weight: 500; }
.official-card p { max-width: 680px; margin: 0; color: #f1cbd0; font-size: 13px; }
.button-white { flex: 0 0 auto; color: var(--red); background: #fff; }
.guide-section { padding: 105px 0; background: #fff; }
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.guide-card { display: flex; min-height: 250px; flex-direction: column; padding: 27px; border: 1px solid var(--line); border-radius: 18px; text-decoration: none; background: #fff; transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease; }
.guide-card:hover { transform: translateY(-3px); border-color: rgba(164,20,36,.35); box-shadow: 0 18px 45px rgba(21,36,41,.08); }
.guide-card > span { color: var(--red); font-size: 10px; font-weight: 800; letter-spacing: 1.3px; text-transform: uppercase; }
.guide-card h3 { margin: 18px 0 10px; font-family: Georgia, serif; font-size: 23px; line-height: 1.18; font-weight: 500; }
.guide-card p { margin: 0 0 24px; color: var(--muted); font-size: 12px; line-height: 1.7; }
.guide-card strong { margin-top: auto; color: var(--red); font-size: 11px; }
.faq-section { padding: 100px 0; background: var(--cream); }
.faq-layout { display: grid; grid-template-columns: .75fr 1.25fr; gap: 90px; }
.faq-list details { border-bottom: 1px solid #d9ddda; }
.faq-list summary { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 20px 0; cursor: pointer; list-style: none; font-family: Georgia, serif; font-size: 17px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary span { color: var(--red); font-family: sans-serif; font-size: 20px; transition: transform .2s ease; }
.faq-list details[open] summary span { transform: rotate(45deg); }
.faq-list details p { margin: -5px 35px 20px 0; color: #69777b; font-size: 12px; line-height: 1.7; }
footer { color: #c4cccd; background: #122025; }
.footer-top { min-height: 125px; display: flex; align-items: center; gap: 36px; }
.footer-brand strong { color: #fff; }.footer-brand small { color: #879597; }
.footer-top p { margin-right: auto; font-size: 12px; }.footer-top > a { color: #fff; font-size: 11px; font-weight: 700; text-underline-offset: 4px; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding: 19px 0 24px; border-top: 1px solid rgba(255,255,255,.08); color: #7f8d90; font-size: 9px; }
.footer-bottom a { color: #b4bec0; text-underline-offset: 3px; }
.toast { position: fixed; z-index: 100; right: 24px; bottom: 24px; padding: 12px 17px; border-radius: 9px; color: #fff; background: #15272b; box-shadow: var(--shadow); font-size: 12px; transform: translateY(30px); opacity: 0; pointer-events: none; transition: .25s ease; }
.toast.show { transform: translateY(0); opacity: 1; }

@media (max-width: 980px) {
  nav { display: none; }
  .hero-grid { grid-template-columns: 1fr .62fr; gap: 40px; }
  .calculator-layout { grid-template-columns: 1fr; }
  .score-panel { position: static; grid-row: 1; }
  .score-panel-inner { display: grid; grid-template-columns: .8fr 1.2fr; column-gap: 30px; }
  .score-topline, .report-envelope { grid-column: 1; }
  .report-envelope { grid-row: 2 / span 3; margin-bottom: 0; }
  .report-panel-title, .report-panel-copy, .report-includes { grid-column: 2; }
  .report-panel-title { grid-row: 1; margin-top: 28px; }
  .report-panel-copy { grid-row: 2; }
  .report-includes { grid-row: 3 / span 2; margin: 12px 0 0; padding: 18px 0 0; border-bottom: 0; background: transparent; }
  .privacy-note { grid-column: 1 / -1; }
  .factor-grid { grid-template-columns: repeat(2, 1fr); }
  .guide-grid { grid-template-columns: repeat(2, 1fr); }
  .faq-layout { grid-template-columns: 1fr; gap: 20px; }
}

@media (max-width: 720px) {
  .shell { width: min(100% - 28px, 1180px); }
  .site-header { position: relative; }
  .header-inner { height: 68px; }.header-cta { display: none; }
  .hero-grid { grid-template-columns: 1fr; min-height: auto; padding-block: 60px; }
  .hero h1 { font-size: 45px; letter-spacing: -1.6px; }
  .hero-card { display: none; }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 17px; }
  .trust-list { gap: 12px 18px; }
  .calculator-section { padding: 76px 0 85px; }
  .form-card { padding: 23px 18px; }
  .two-col, .four-col { grid-template-columns: 1fr 1fr; }
  .card-heading { align-items: center; }
  .score-panel-inner { display: block; }
  .breakdown { margin: 24px -29px 0; padding: 23px 29px 10px; border-top: 1px solid rgba(255,255,255,.09); border-left: 0; }
  .factor-grid { grid-template-columns: 1fr; }
  .guide-grid { grid-template-columns: 1fr; }
  .official-card { align-items: flex-start; flex-direction: column; padding: 36px 25px; }
  .form-actions { align-items: flex-start; flex-direction: column; gap: 8px; }
  .footer-top { align-items: flex-start; flex-direction: column; gap: 12px; padding-block: 36px; }
  .footer-top p { margin: 0; }.footer-bottom { flex-direction: column; gap: 4px; }
}

@media (max-width: 430px) {
  .hero h1 { font-size: 39px; }
  .hero-lead { font-size: 16px; }
  .button-primary { width: 100%; }
  .four-col { grid-template-columns: 1fr 1fr; }
  .segmented { width: 100%; }.segmented label { flex: 1; }.segmented span { min-width: 0; }
  .score-number-wrap strong { font-size: 63px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; }
}