/* Broker Shop Guy: restrained professional theme */
@font-face{font-family:"Source Sans 3";src:url(fonts/source-sans-3-latin.woff2) format("woff2");font-weight:200 900;font-style:normal;font-display:swap}
:root{--navy:#14243F;--navy-2:#1C3154;--ink:#1D2433;--body:#2F3747;--muted:#5D6677;--line:#E4E7EC;--soft:#F5F6F8;--accent:#2E6A8E;--accent-d:#245572;--r:10px;
--fs-1:clamp(2rem,1.4rem + 2.4vw,2.9rem);--fs-2:clamp(1.45rem,1.2rem + 1vw,1.85rem);--fs-3:1.2rem;--fs-b:1.0625rem;--fs-s:.9375rem;--fs-xs:.8125rem}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:"Source Sans 3",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-weight:400;font-size:var(--fs-b);line-height:1.65;color:var(--body);background:#fff}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;margin:0 0 .5em;font-weight:600;letter-spacing:-.01em}
h1{font-size:var(--fs-1)}h2{font-size:var(--fs-2);margin-top:3.2rem}h3{font-size:var(--fs-3)}
p{margin:0 0 1em}
a{color:var(--accent);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--accent-d)}
b,strong{font-weight:600;color:var(--ink)}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}.narrow{max-width:760px}
section{padding:80px 0}section.light{background:#fff}
.center{text-align:center}
.lead-l,.lead{font-size:1.15rem;color:var(--body);max-width:68ch}
.lead{margin:0 auto 2rem}
.muted{color:var(--muted);font-size:var(--fs-s)}
.example{font-size:var(--fs-xs);color:var(--muted);margin:-.3em 0 .6em;text-transform:uppercase;letter-spacing:.05em}
.ph{color:#8A93A6;font-style:italic;font-size:.85em}
/* preview bar + header */
.preview-bar{background:#F4EFE3;color:#5B4A1F;text-align:center;font-size:var(--fs-xs);padding:5px 10px}
.preview-bar .ph{color:#5B4A1F}
header.nav{position:sticky;top:0;z-index:20;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.08)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.nav img{height:40px;width:auto;display:block}
.nav nav{display:flex;gap:28px;align-items:center}
.nav nav a{color:#E6EAF2;text-decoration:none;font-weight:500;font-size:var(--fs-s);padding:10px 0}
.nav nav a:hover,.nav nav a.on{color:#fff;box-shadow:inset 0 -2px 0 #9DB7CC}
.nav nav a.btn{color:var(--navy);padding:10px 18px}
.nav nav a.btn:hover{box-shadow:none}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.5);color:#fff;border-radius:6px;padding:8px 14px;font-size:var(--fs-s);min-height:44px}
/* buttons */
.btn{display:inline-block;background:var(--navy);color:#fff!important;font-weight:600;text-decoration:none;padding:14px 26px;border-radius:6px;border:1px solid var(--navy);font-size:1rem;line-height:1.2;cursor:pointer;min-height:48px;transition:background .15s}
.btn:hover{background:var(--navy-2)}
.btn.sm{padding:11px 18px;font-size:var(--fs-s);min-height:44px}
.btn.ghost-d{background:#fff;color:var(--navy)!important;border:1px solid #B9C2D0}.btn.ghost-d:hover{border-color:var(--navy)}
header .btn{background:#fff;border-color:#fff;color:var(--navy)!important}header .btn:hover{background:#E9EEF5}
.hero .btn{background:#fff;color:var(--navy)!important;border-color:#fff}.hero .btn:hover{background:#E9EEF5}
/* hero */
.hero{background:var(--navy);color:#DCE3EE;text-align:center;padding:72px 0 80px}
.hero h1{color:#fff;max-width:24ch;margin:0 auto .4em;font-weight:600}
.hero .logo{width:min(320px,70%);height:auto;display:block;margin:0 auto 28px}
.hero p.sub{font-size:1.2rem;max-width:56ch;margin:0 auto 28px;color:#DCE3EE}
.hero .note{font-size:var(--fs-s);margin-top:18px;color:#AEB9CB}
/* layout blocks */
.paths{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin:28px 0 32px}
.paths h3,.cards.plain h3{margin-bottom:.35em}
.cards{display:grid;gap:40px;grid-template-columns:repeat(3,1fr)}.cards.two{grid-template-columns:repeat(2,1fr)}
.cards.plain{margin-top:24px}
.pc{border-top:1px solid var(--line);padding-top:18px}
.pc.best{border-top:3px solid var(--accent)}
.pc .tag{display:inline-block;background:var(--soft);color:var(--muted);font-weight:600;font-size:var(--fs-xs);padding:3px 10px;border-radius:4px;letter-spacing:.04em;text-transform:uppercase;margin-bottom:10px}
.pc.best .tag{background:#E3EEF5;color:var(--accent-d)}
.pc h4{margin:16px 0 6px;font-size:var(--fs-xs);text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:600}
.pc ul{padding-left:20px;margin:6px 0 12px}.pc li{margin:4px 0}
.pc .pro li::marker{content:"+  ";color:#3F7D58;font-weight:700}.pc .con li::marker{content:"\2013  ";color:#9A4B4B;font-weight:700}
.price{font-size:1.9rem;font-weight:600;color:var(--ink);margin:2px 0 10px}
/* table */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
.tbl{width:100%;border-collapse:collapse;font-size:var(--fs-s);min-width:720px}
.tbl th,.tbl td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tbl thead th{background:var(--soft);color:var(--ink);font-weight:600}
.tbl tbody th{font-weight:600;color:var(--ink);width:18%}
.tbl tbody tr:last-child th,.tbl tbody tr:last-child td{border-bottom:0}
/* calculator + forms */
.calc{margin:24px 0;padding:24px;border:1px solid var(--line);border-radius:var(--r);background:var(--soft)}
.form-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:12px}
.form-row label{font-size:var(--fs-s);color:var(--ink);font-weight:500}
.form-row input,input[type=number],input[type=email]{width:100%;min-height:48px;padding:12px 14px;border:1px solid #C7CED9;border-radius:6px;font:inherit;color:var(--ink);background:#fff}
.form-row input:focus{outline:2px solid #9DB7CC;border-color:var(--accent)}
input[type=checkbox]{width:20px;height:20px}
/* learn */
.subnav{font-size:var(--fs-s);color:var(--muted)}.subnav a{display:inline-block;padding:8px 2px}
dl.terms{display:grid;grid-template-columns:210px 1fr;gap:14px 28px;margin:20px 0}
dl.terms dt{font-weight:600;color:var(--ink)}dl.terms dd{margin:0}
ol.steps{padding-left:22px}ol.steps>li{margin:0 0 20px;padding-left:6px}
ol.cols2{columns:2;column-gap:48px;padding-left:22px}ol.cols2 li{margin:0 0 8px;break-inside:avoid}
.src,.cite{font-size:var(--fs-xs);color:var(--muted);border-left:2px solid var(--line);padding:2px 0 2px 12px;margin:8px 0}
.cite{border:0;padding:0;display:inline}
.updated{font-size:var(--fs-xs);color:var(--muted);margin:-.4em 0 1.2em}
details{border-bottom:1px solid var(--line);padding:4px 0}
summary{cursor:pointer;font-weight:600;color:var(--ink);padding:12px 0;min-height:44px;list-style-position:outside}
details p{margin:0 0 14px}
/* footer */
footer{background:var(--navy);color:#B9C3D3;padding:44px 0 32px;font-size:var(--fs-s)}
footer img{height:44px;width:auto}
footer a{color:#E6EAF2;text-decoration:none;display:inline-block;padding:6px 0}footer a:hover{text-decoration:underline}
footer .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:24px;padding-top:18px;font-size:var(--fs-xs);line-height:1.7;max-width:90ch}
footer .ph{color:#8E9AB0}
/* quiz */
#quiz-sec{background:var(--soft)!important;color:var(--body)}
#quiz-sec .muted,#quiz-sec p{color:var(--muted)!important}
.quiz{max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px}
.quiz.fade{animation:qf .25s ease-out}
@keyframes qf{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.quiz.fade{animation:none}html{scroll-behavior:auto}}
.qcount{font-size:var(--fs-s);color:var(--muted);margin-bottom:12px;display:flex;justify-content:space-between}
.bar{height:4px;background:var(--line);border-radius:99px;overflow:hidden;margin-bottom:22px}
.bar i{display:block;height:100%;background:var(--accent);transition:width .3s}
.qtext{font-size:clamp(1.3rem,1.1rem + .8vw,1.6rem);font-weight:600;color:var(--ink);line-height:1.3;margin-bottom:20px}
.opts{display:grid;gap:10px}
.opt{display:block;width:100%;min-height:56px;text-align:left;background:#fff;color:var(--ink);border:1px solid #C7CED9;border-radius:8px;padding:14px 18px;font:inherit;font-size:1rem;cursor:pointer;transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--accent);background:#F7FAFC}.opt.sel{border-color:var(--accent);background:#E8F1F7}
.qnav{display:flex;justify-content:space-between;align-items:center;margin-top:20px}
.linkbtn{background:none;border:0;color:var(--accent);font:inherit;font-size:var(--fs-s);cursor:pointer;text-decoration:underline;min-height:44px;padding:0 4px}
.result-head{text-align:center;padding:0 0 28px}
.result-head h2{margin-top:0}
.result-head .badge{font-size:var(--fs-xs);font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;display:inline-block;margin-bottom:8px}
.why{max-width:760px;margin:0 auto 28px}.why h3{font-size:1.05rem}.why li{margin:6px 0}
/* modal */
.modal{position:fixed;inset:0;background:rgba(20,36,63,.6);display:none;align-items:center;justify-content:center;z-index:50;padding:20px}
.modal.on{display:flex}.modal .box{background:#fff;color:var(--body);border-radius:12px;padding:28px;max-width:460px}
@media(max-width:900px){
.paths,.cards,.cards.two{grid-template-columns:1fr;gap:32px}
dl.terms{grid-template-columns:1fr;gap:2px}dl.terms dd{margin-bottom:14px}
ol.cols2{columns:1}
section{padding:56px 0}.hero{padding:52px 0 60px}
.nav nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:12px 24px 20px;gap:4px}
.nav nav.open{display:flex}.nav nav a{padding:12px 0;font-size:1rem}.nav nav a.btn{text-align:center;margin-top:8px}
.menu-btn{display:block}.nav img{height:34px}
.quiz{padding:22px}
}
/* core message blocks */
.quiz-intro{max-width:680px;margin:0 auto 28px;text-align:center}
.quiz-intro h1{margin-bottom:10px}.quiz-intro p{margin:0 auto 6px;max-width:60ch}
footer .blurb{max-width:70ch;margin:14px 0 0;color:#B9C3D3}
.nav .brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.nav .tagline{color:#B9C3D3;font-size:var(--fs-xs);font-weight:500;letter-spacing:.01em;border-left:1px solid rgba(255,255,255,.2);padding-left:14px;line-height:1.3;max-width:15ch}
@media(max-width:900px){.nav .brand{gap:10px}.nav .tagline{padding-left:10px;font-size:.75rem;max-width:14ch}}
footer b,footer strong{color:#fff}
button,input{font-family:inherit}
/* ---- volt accent: small doses only (never backgrounds of sections, never body text) ---- */
:root{--volt:#D4FF00}
/* navy surfaces: green is high-contrast here (~13:1 vs navy) */
.nav nav a:hover,.nav nav a.on{box-shadow:inset 0 -2px 0 var(--volt)}
header .btn,.hero .btn{background:var(--volt);border-color:var(--volt);color:var(--navy)!important}
header .btn:hover,.hero .btn:hover{background:#E4FF5C;border-color:#E4FF5C}
footer a:hover{text-decoration:underline;text-decoration-color:var(--volt);text-decoration-thickness:2px}
.nav .tagline{border-left-color:var(--volt)}
/* light surfaces: green only as a marker behind navy text or as a thin rule */
a:not(.btn):hover{color:var(--navy);text-decoration-color:var(--navy);background:linear-gradient(transparent 62%,rgba(212,255,0,.75) 62%)}
footer a:not(.btn):hover{background:none;color:#fff}
main h2::after{content:"";display:block;width:40px;height:4px;margin-top:12px;background:var(--volt);border-radius:2px;box-shadow:0 0 0 1px rgba(20,36,63,.12)}
.center h2::after,.result-head h2::after,.hero h2::after{margin-left:auto;margin-right:auto}
.result-head h2 span{background:linear-gradient(transparent 60%,var(--volt) 60%);padding:0 .15em}
.result-head h2::after{display:none}
main .btn:not(.ghost-d):not(.sm){box-shadow:inset 0 -3px 0 var(--volt)}
.pc.best .btn.sm{box-shadow:inset 0 -3px 0 var(--volt)}
.bar{height:6px;background:#DDE2EA}
.bar i{background:var(--volt);box-shadow:inset 0 0 0 1px rgba(20,36,63,.18)}
.opt:focus-visible,.btn:focus-visible,a:focus-visible{outline:3px solid var(--navy);outline-offset:2px}
.hero .eyebrow{font-size:var(--fs-s);font-weight:600;letter-spacing:.02em;color:#C9D2E0;margin:0 0 10px}