:root{
  --navy:#0B2A4A;
  --blue:#1F4E79;
  --teal:#1FA7A0;
  --bg:#ffffff;
  --soft:#F4FAFC;
  --border:#CFE6F2;
  --text:#0B2A4A;
  --muted:#3B6C8E;
  --shadow: 0 10px 30px rgba(11,42,74,.08);
  --radius:18px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--bg)}
a{color:inherit;text-decoration:none}
.container{max-width:1120px;margin:0 auto;padding:0 16px}

.topbar{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.88);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--border);
}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:16px}

.brand{display:flex;align-items:center;gap:12px;min-width:240px}
.brand-logo{
  height:72px;          /* BIGGER LOGO */
  width:auto;
  object-fit:contain;
}
.brand-text{line-height:1.1}
.brand-name{font-weight:800;letter-spacing:.2px}
.brand-sub{font-size:12px;color:var(--muted)}

.nav{display:flex;align-items:center;gap:18px}
.nav a{font-size:14px;color:var(--blue)}
.nav a:hover{color:var(--navy)}
.nav-phone{font-weight:800;color:var(--navy)}
.nav-mobile-cta{display:none}

.hero{padding:56px 0 70px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:start}
.pill{
  display:inline-flex;align-items:center;gap:10px;
  border:1px solid var(--border);
  padding:8px 12px;border-radius:999px;
  font-size:12px;color:var(--blue);
  background:#fff;
}
.pill-icon{font-size:14px}
h1{margin:14px 0 0;font-size:44px;line-height:1.1;letter-spacing:-.5px}
.lead{margin:14px 0 0;font-size:18px;line-height:1.55;color:var(--muted)}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}

.checklist{margin:18px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.checklist li{position:relative;padding-left:26px;color:var(--blue);font-size:14px}
.checklist li:before{content:"✓";position:absolute;left:0;top:0;color:var(--teal);font-weight:900}

.section{padding:56px 0}
.section-soft{background:var(--soft);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}

.card{
  border:1px solid var(--border);
  border-radius:var(--radius);
  background:#fff;
  box-shadow: var(--shadow);
  overflow:hidden;
}
.card-header{padding:16px 18px;border-bottom:1px solid var(--border)}
.card-header h3{margin:0;font-size:16px}
.card-body{padding:16px 18px;color:var(--blue);line-height:1.55}

.muted{color:var(--muted)}
.fine{font-size:12px;color:var(--muted);margin:10px 0 0}

.note{
  margin-top:14px;
  border:1px solid var(--border);
  background:var(--soft);
  border-radius:14px;
  padding:12px;
  font-size:12px;
  color:var(--muted);
}

.stack{display:grid;gap:10px;margin-top:12px}

.btn{
  display:inline-flex;align-items:center;justify-content:center;
  border-radius:999px;
  padding:11px 16px;
  font-weight:800;
  font-size:14px;
  border:1px solid transparent;
  cursor:pointer;
  transition:transform .05s ease, opacity .2s ease;
}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--teal);color:white}
.btn-primary:hover{opacity:.92}
.btn-secondary{background:#fff;border-color:var(--border);color:var(--navy)}
.btn-secondary:hover{background:rgba(31,167,160,.06)}
.btn-block{width:100%}
.btn-sm{padding:8px 12px;font-size:13px}

.savings-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
.form{margin-top:18px;display:grid;gap:14px}
.field label{display:block;font-weight:800;font-size:13px;color:var(--navy);margin-bottom:8px}
.field input{
  width:100%;
  padding:12px 14px;
  border-radius:14px;
  border:1px solid var(--border);
  font-size:15px;
  outline:none;
}
.field input:focus{border-color:rgba(31,167,160,.6);box-shadow:0 0 0 4px rgba(31,167,160,.12)}
.help{font-size:12px;color:var(--muted);margin-top:6px}

.segmented{display:flex;gap:10px;flex-wrap:wrap}
.seg-btn{
  border:1px solid var(--border);
  background:#fff;
  color:var(--navy);
  border-radius:999px;
  padding:10px 12px;
  font-weight:900;
  font-size:13px;
  cursor:pointer;
}
.seg-btn.active{background:rgba(31,167,160,.12);border-color:rgba(31,167,160,.45)}

.row{display:flex;align-items:center;justify-content:space-between;gap:10px}
.divider{height:1px;background:var(--border);margin:12px 0}
.row.big strong{font-size:26px}

.graph-header{display:flex;align-items:center;justify-content:space-between;gap:12px}
.graph-cta{display:flex;gap:10px;flex-wrap:wrap}

/* chart container + tooltip */
.chart-wrap{position:relative}
canvas{
  width:100%;
  height:320px;           /* force visible height everywhere */
  display:block;
  border-radius:14px;
  background:var(--soft);
  border:1px solid var(--border);
}
.chart-tip{
  position:absolute;
  padding:10px 12px;
  border-radius:12px;
  background:#fff;
  border:1px solid var(--border);
  box-shadow: var(--shadow);
  font-size:12px;
  color:var(--navy);
  pointer-events:none;
  transform: translate(-50%, -120%);
  white-space: nowrap;
}

.cta{
  display:grid;grid-template-columns:1fr .75fr;gap:18px;
  border:1px solid var(--border);
  border-radius:28px;
  background:#fff;
  padding:22px;
  box-shadow: var(--shadow);
}
.tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:12px}
.tag{border:1px solid var(--border);background:var(--soft);padding:8px 12px;border-radius:999px;font-size:13px;color:var(--blue)}
.cta-actions{display:grid;gap:10px}

.footer{border-top:1px solid var(--border);padding:22px 0}
.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap}
.footer-links{display:flex;gap:16px;color:var(--blue);font-size:14px}
.footer-links a:hover{color:var(--navy)}

@media (max-width: 980px){
  .hero-grid{grid-template-columns:1fr}
  h1{font-size:36px}
  .nav{display:none}
  .nav-mobile-cta{display:inline-flex}
  .grid-3{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .savings-grid{grid-template-columns:1fr}
  .cta{grid-template-columns:1fr}

  /* slightly smaller logo on mobile */
  .brand-logo{height:56px}
}