* { margin: 0; padding: 0; box-sizing: border-box; }
  :root {
    --navy: #1a2c4e;
    --navy-dark: #0f1d36;
    --gold: #b8924a;
    --gold-light: #d4ae6a;
    --cream: #f7f4ee;
    --gray-text: #4a4a4a;
    --gray-light: #e8e8e8;
    --white: #ffffff;
    --error: #c43d3d;
    --success: #2d8659;
  }
  html { scroll-behavior: smooth; }
  body {
    font-family: Georgia, 'Times New Roman', serif;
    color: var(--navy);
    background: var(--white);
    line-height: 1.6;
    font-size: 17px;
  }
  .sans { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif; }
  .container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }
  .narrow { max-width: 760px; margin: 0 auto; padding: 0 24px; }

  header {
    background: var(--white);
    border-bottom: 1px solid var(--gray-light);
    padding: 18px 0;
    position: sticky;
    top: 0;
    z-index: 100;
  }
  .header-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
  }
  .logo {
    font-family: Georgia, serif;
    font-size: 22px;
    font-weight: bold;
    color: var(--navy);
    letter-spacing: 0.5px;
  }
  .logo .accent { color: var(--gold); }
  .header-phone {
    font-family: -apple-system, sans-serif;
    font-size: 15px;
    color: var(--navy);
    text-decoration: none;
  }
  .header-phone strong { color: var(--gold); }

  .hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
    color: var(--white);
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
  }
  .hero::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background-image: repeating-linear-gradient(45deg, transparent, transparent 40px, rgba(184, 146, 74, 0.03) 40px, rgba(184, 146, 74, 0.03) 80px);
    pointer-events: none;
  }
  .hero-content { position: relative; text-align: center; }
  .eyebrow {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 20px;
  }
  .hero h1 {
    font-size: 48px;
    line-height: 1.15;
    margin-bottom: 24px;
    font-weight: normal;
  }
  .hero h1 .emphasis { color: var(--gold-light); font-style: italic; }
  .hero-sub {
    font-size: 20px;
    color: rgba(255, 255, 255, 0.85);
    max-width: 720px;
    margin: 0 auto 40px;
    line-height: 1.5;
  }
  .hero-cta {
    display: inline-block;
    background: var(--gold);
    color: var(--white);
    padding: 16px 38px;
    text-decoration: none;
    font-family: -apple-system, sans-serif;
    font-size: 16px;
    font-weight: 600;
    letter-spacing: 0.5px;
    border: 2px solid var(--gold);
    transition: background 0.2s, color 0.2s;
    cursor: pointer;
  }
  .hero-cta:hover { background: var(--gold-light); border-color: var(--gold-light); }

  .eligibility-band {
    background: var(--white);
    padding: 28px 0;
    border-bottom: 1px solid var(--gray-light);
  }
  .eligibility-inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 32px;
    flex-wrap: wrap;
  }
  .eligibility-label {
    font-size: 11px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
  }
  .eligibility-items {
    display: flex;
    gap: 28px;
    flex-wrap: wrap;
    justify-content: center;
  }
  .eligibility-item {
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    color: var(--navy);
    font-weight: 500;
    position: relative;
    padding-left: 22px;
  }
  .eligibility-item::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 0;
    color: var(--gold);
    font-weight: bold;
  }

  @media (max-width: 768px) {
    .eligibility-inner { gap: 16px; }
    .eligibility-items { gap: 16px 24px; }
  }

  section { padding: 70px 0; }
  .section-title {
    font-size: 36px;
    text-align: center;
    margin-bottom: 16px;
    font-weight: normal;
    color: var(--navy);
  }
  .section-sub {
    text-align: center;
    color: var(--gray-text);
    font-size: 18px;
    max-width: 680px;
    margin: 0 auto 50px;
  }

  .problem { background: var(--cream); }
  .problem-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-top: 40px;
  }
  .problem-card {
    background: var(--white);
    padding: 32px;
    border-top: 3px solid var(--gold);
  }
  .problem-card h3 {
    font-size: 22px;
    margin-bottom: 14px;
    color: var(--navy);
    font-weight: normal;
  }
  .problem-card p { color: var(--gray-text); font-size: 16px; }

  .strategy-content { max-width: 820px; margin: 0 auto; }
  .strategy-content p {
    margin-bottom: 18px;
    font-size: 17px;
    color: var(--gray-text);
  }
  .strategy-benefits {
    display: grid;
    gap: 24px;
    margin: 32px 0;
  }
  .strategy-benefit {
    display: flex;
    gap: 24px;
    align-items: flex-start;
    padding: 24px;
    background: var(--cream);
    border-left: 4px solid var(--gold);
  }
  .strategy-benefit-num {
    flex-shrink: 0;
    font-family: Georgia, serif;
    font-size: 32px;
    color: var(--gold);
    font-weight: bold;
    line-height: 1;
    letter-spacing: -1px;
  }
  .strategy-benefit-body h3 {
    font-size: 20px;
    color: var(--navy);
    margin-bottom: 8px;
    font-weight: normal;
  }
  .strategy-benefit-body p {
    font-size: 15px;
    color: var(--gray-text);
    line-height: 1.6;
    margin: 0;
  }
  .strategy-highlight {
    background: var(--cream);
    border-left: 4px solid var(--gold);
    padding: 24px 28px;
    margin: 30px 0;
    font-size: 18px;
    color: var(--navy);
    font-style: italic;
  }
  .chart-wrap {
    background: var(--cream);
    padding: 40px 24px;
    margin: 40px 0;
    text-align: center;
  }
  .chart-wrap svg { max-width: 100%; height: auto; }
  .chart-caption {
    font-size: 13px;
    color: var(--gray-text);
    font-style: italic;
    margin-top: 16px;
  }

  .calculator-section {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
    color: var(--white);
  }
  .calculator-section .section-title { color: var(--white); }
  .calculator-section .section-sub { color: rgba(255, 255, 255, 0.8); }
  .calc-card {
    background: var(--white);
    color: var(--navy);
    padding: 48px;
    max-width: 760px;
    margin: 0 auto;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
    position: relative;
  }
  .calc-step { display: none; }
  .calc-step.active { display: block; }
  .calc-step h3 {
    font-size: 26px;
    margin-bottom: 8px;
    font-weight: normal;
  }
  .calc-step .step-sub {
    color: var(--gray-text);
    margin-bottom: 32px;
  }
  .form-group { margin-bottom: 24px; }
  .form-group label {
    display: block;
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    letter-spacing: 0.3px;
  }
  .form-group .hint {
    font-family: -apple-system, sans-serif;
    font-size: 12px;
    color: var(--gray-text);
    font-weight: normal;
    margin-top: 4px;
  }
  .form-group input,
  .form-group select {
    width: 100%;
    padding: 14px 16px;
    border: 1.5px solid var(--gray-light);
    font-size: 16px;
    font-family: Georgia, serif;
    background: var(--white);
    color: var(--navy);
    transition: border-color 0.2s;
  }
  .form-group input:focus,
  .form-group select:focus {
    outline: none;
    border-color: var(--gold);
  }
  .form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }
  .calc-button {
    width: 100%;
    background: var(--navy);
    color: var(--white);
    border: none;
    padding: 16px;
    font-family: -apple-system, sans-serif;
    font-size: 16px;
    font-weight: 600;
    letter-spacing: 0.5px;
    cursor: pointer;
    transition: background 0.2s;
    margin-top: 8px;
  }
  .calc-button:hover { background: var(--gold); }
  .calc-button:disabled { opacity: 0.5; cursor: not-allowed; }
  .calc-back {
    background: none;
    border: none;
    color: var(--gray-text);
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    cursor: pointer;
    margin-top: 16px;
    padding: 8px 0;
    text-decoration: underline;
  }

  .teaser-box {
    background: var(--cream);
    border: 1.5px solid var(--gold);
    padding: 28px;
    margin-bottom: 28px;
    text-align: center;
  }
  .teaser-label {
    font-family: -apple-system, sans-serif;
    font-size: 12px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 8px;
  }
  .teaser-amount {
    font-size: 42px;
    color: var(--navy);
    font-weight: bold;
    letter-spacing: -1px;
  }
  .teaser-detail {
    font-size: 14px;
    color: var(--gray-text);
    margin-top: 8px;
    font-style: italic;
  }
  .teaser-locked {
    margin-top: 20px;
    padding: 16px;
    background: rgba(184, 146, 74, 0.1);
    font-size: 14px;
    color: var(--navy);
    font-family: -apple-system, sans-serif;
  }
  .teaser-locked strong { display: block; margin-bottom: 4px; font-size: 15px; }

  .code-input {
    text-align: center;
    font-size: 24px;
    letter-spacing: 8px;
    font-family: -apple-system, sans-serif;
    font-weight: 600;
  }
  .code-resend {
    text-align: center;
    margin-top: 16px;
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: var(--gray-text);
  }
  .code-resend a {
    color: var(--gold);
    text-decoration: none;
    cursor: pointer;
  }

  .exclusivity-tag {
    display: inline-block;
    background: var(--navy);
    color: var(--gold);
    padding: 6px 14px;
    font-size: 11px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    font-weight: 600;
    margin-bottom: 16px;
  }
  .qualifier-list {
    margin: 28px 0;
  }
  .qualifier-item {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    padding: 16px 0;
    border-bottom: 1px solid var(--gray-light);
  }
  .qualifier-item:last-child { border-bottom: none; }
  .qualifier-check {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    background: var(--gold);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 14px;
    margin-top: 2px;
  }
  .qualifier-text {
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    line-height: 1.5;
  }
  .qualifier-text strong {
    display: block;
    color: var(--navy);
    font-size: 15px;
    margin-bottom: 4px;
  }
  .qualifier-text span {
    color: var(--gray-text);
    font-size: 13px;
  }
  .attestation-box {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    padding: 18px;
    background: var(--cream);
    border: 1.5px solid var(--gold);
    margin: 24px 0;
    cursor: pointer;
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    color: var(--navy);
    line-height: 1.5;
  }
  .attestation-box input[type="checkbox"] {
    margin-top: 2px;
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    cursor: pointer;
    accent-color: var(--gold);
  }

  .email-confirm {
    background: var(--cream);
    padding: 16px 20px;
    margin: 24px 0;
    font-size: 14px;
    color: var(--navy);
    text-align: center;
    border-radius: 2px;
  }
  .email-confirm strong {
    display: block;
    margin-bottom: 4px;
    font-size: 13px;
    color: var(--gold);
    letter-spacing: 0.5px;
  }
  .email-confirm span {
    color: var(--navy);
    font-weight: 600;
  }

  .deliverables-preview {
    margin: 28px 0;
    padding: 24px;
    background: var(--cream);
  }
  .deliverables-label {
    font-size: 11px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 16px;
    text-align: center;
  }
  .deliverables-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }
  .deliverable-card {
    text-align: center;
  }
  .deliverable-thumb {
    background: var(--white);
    border: 1px solid var(--gray-light);
    aspect-ratio: 8.5 / 11;
    padding: 14px 12px;
    margin-bottom: 12px;
    display: flex;
    flex-direction: column;
    gap: 6px;
    position: relative;
    overflow: hidden;
  }
  .thumb-header {
    height: 8px;
    background: var(--gold);
    width: 50%;
    margin-bottom: 4px;
  }
  .thumb-header.dark {
    background: var(--navy);
    width: 70%;
  }
  .thumb-eyebrow {
    height: 4px;
    background: var(--gold);
    width: 30%;
    margin-bottom: 2px;
  }
  .thumb-line {
    height: 4px;
    background: var(--gray-light);
    width: 100%;
    border-radius: 1px;
  }
  .thumb-line.short {
    width: 65%;
  }
  .thumb-bignum {
    font-family: Georgia, serif;
    font-size: 16px;
    color: var(--gold);
    font-weight: bold;
    text-align: center;
    padding: 8px 0;
    letter-spacing: -0.5px;
  }
  .thumb-block {
    height: 24px;
    background: var(--cream);
    border: 1px solid var(--gold);
    margin: 4px 0;
  }
  .deliverable-info {
    text-align: center;
  }
  .deliverable-title {
    font-size: 12px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 4px;
    line-height: 1.3;
  }
  .deliverable-desc {
    font-family: -apple-system, sans-serif;
    font-size: 11px;
    color: var(--gray-text);
    line-height: 1.4;
  }

  @media (max-width: 768px) {
    .deliverables-grid { grid-template-columns: 1fr; gap: 20px; }
    .deliverable-thumb { aspect-ratio: 16 / 9; }
  }

  .legacy-banner {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--white);
    padding: 32px 24px;
    text-align: center;
    margin-bottom: 28px;
  }
  .legacy-banner .legacy-label {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 10px;
    opacity: 0.95;
  }
  .legacy-banner .legacy-amount {
    font-size: 52px;
    font-weight: bold;
    letter-spacing: -1.5px;
    line-height: 1;
    margin-bottom: 8px;
  }
  .legacy-banner .legacy-detail {
    font-size: 15px;
    opacity: 0.95;
    margin-top: 4px;
  }

  /* ===== REPORT STYLES ===== */
  .report-cover {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
    color: var(--white);
    padding: 40px 36px;
    margin: -48px -48px 0 -48px;
  }
  .report-eyebrow {
    font-size: 11px;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
  }
  .report-title {
    font-family: Georgia, serif;
    font-size: 28px;
    font-weight: normal;
    line-height: 1.2;
    margin-bottom: 10px;
  }
  .report-prepared {
    font-size: 13px;
    opacity: 0.7;
  }
  .report-firm {
    border-top: 1px solid rgba(184, 146, 74, 0.4);
    margin-top: 24px;
    padding-top: 16px;
    font-size: 12px;
    opacity: 0.6;
    letter-spacing: 0.5px;
  }
  .report-body {
    padding: 32px 0 0 0;
  }
  .report-section-label {
    font-size: 11px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 14px;
  }
  .report-summary {
    font-size: 15px;
    line-height: 1.6;
    color: var(--gray-text);
    margin-bottom: 28px;
  }
  .report-text {
    font-size: 14px;
    line-height: 1.6;
    color: var(--gray-text);
    margin-bottom: 16px;
  }
  .report-section {
    border-top: 2px solid var(--navy);
    padding-top: 24px;
    margin-bottom: 28px;
  }
  .report-section.bonus-tip {
    border-top: none;
    background: var(--cream);
    border-left: 4px solid var(--navy);
    padding: 20px 24px;
  }

  /* Path comparison */
  .path-comparison {
    display: grid;
    grid-template-columns: 1fr 1fr;
    border: 1px solid var(--gray-light);
    margin-bottom: 24px;
  }
  .path-card {
    display: flex;
    flex-direction: column;
  }
  .path-card.path-b {
    border-left: 1px solid var(--gray-light);
  }
  .path-header {
    color: var(--white);
    padding: 14px;
    text-align: center;
    font-size: 11px;
    letter-spacing: 1.5px;
  }
  .path-a-header { background: #888; }
  .path-b-header { background: var(--gold); }
  .path-body {
    padding: 18px 16px;
    flex: 1;
  }
  .path-metric {
    text-align: center;
    padding: 12px 0;
    border-bottom: 1px solid var(--gray-light);
  }
  .path-metric:last-child {
    border-bottom: none;
  }
  .path-metric-label {
    font-size: 11px;
    color: var(--gray-text);
    margin-bottom: 4px;
  }
  .path-metric-value {
    font-family: Georgia, serif;
    font-size: 22px;
    color: var(--navy);
  }
  .path-metric-value.bold { font-weight: bold; }
  .path-metric-value.large { font-size: 26px; }
  .path-metric-value.gold { color: var(--gold); }
  .path-metric-value.error { color: var(--error); font-weight: bold; }
  .path-metric-value.success { color: var(--success); font-weight: bold; }
  .path-metric-note {
    font-family: -apple-system, sans-serif;
    font-size: 10px;
    color: var(--gray-text);
    font-style: italic;
    margin-top: 2px;
  }
  .path-final {
    padding-top: 14px;
  }

  .difference-banner {
    background: var(--navy);
    color: var(--white);
    padding: 22px;
    text-align: center;
    margin-bottom: 32px;
  }
  .difference-label {
    font-size: 11px;
    letter-spacing: 1.5px;
    color: var(--gold);
    margin-bottom: 6px;
  }
  .difference-amount {
    font-family: Georgia, serif;
    font-size: 40px;
    font-weight: bold;
    letter-spacing: -1.5px;
    line-height: 1;
  }
  .difference-detail {
    font-size: 13px;
    opacity: 0.85;
    margin-top: 6px;
  }

  /* Report tables */
  .report-table {
    width: 100%;
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    border-collapse: collapse;
  }
  .report-table tr {
    border-bottom: 1px solid var(--gray-light);
  }
  .report-table tr:last-child { border-bottom: none; }
  .report-table td {
    padding: 10px 0;
    color: var(--gray-text);
  }
  .report-table td.num {
    text-align: right;
    color: var(--navy);
  }
  .report-table td.bold { font-weight: 600; }

  .tax-table {
    font-size: 13px;
  }
  .tax-table thead tr {
    background: var(--cream);
    border-bottom: 1px solid var(--gray-light);
  }
  .tax-table th {
    padding: 10px 12px;
    color: var(--gray-text);
    font-weight: 600;
    text-align: left;
  }
  .tax-table th.num { text-align: right; }
  .tax-table tbody td {
    padding: 8px 12px;
    color: var(--navy);
  }
  .tax-table tbody td.num { text-align: right; }
  .tax-table .tax-strat {
    color: var(--gold);
    font-weight: 600;
  }
  .tax-table tfoot tr.total-row {
    border-top: 2px solid var(--navy);
    background: var(--cream);
  }
  .tax-table tfoot td {
    padding: 12px;
    font-weight: bold;
    color: var(--navy);
  }
  .tax-table tfoot td.num { text-align: right; }
  .tax-table tfoot td.gold { color: var(--gold); }

  /* Growth section */
  .growth-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }
  .growth-card {
    background: var(--cream);
    padding: 18px;
  }
  .growth-card-dark {
    background: var(--navy);
    color: var(--white);
  }
  .growth-card-label {
    font-size: 11px;
    color: var(--gray-text);
    margin-bottom: 6px;
  }
  .growth-card-dark .growth-card-label {
    color: var(--gold);
  }
  .growth-card-amount {
    font-family: Georgia, serif;
    font-size: 22px;
    font-weight: bold;
    color: var(--navy);
  }
  .growth-card-dark .growth-card-amount {
    color: var(--white);
  }
  .growth-card-note {
    font-family: -apple-system, sans-serif;
    font-size: 11px;
    color: var(--gray-text);
    margin-top: 4px;
    font-style: italic;
  }
  .growth-card-dark .growth-card-note {
    color: rgba(255,255,255,0.7);
  }

  /* Impact table */
  .impact-table {
    background: var(--cream);
    padding: 20px;
  }
  .impact-row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    border-bottom: 1px solid var(--gray-light);
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: var(--gray-text);
  }
  .impact-row span:last-child {
    color: var(--navy);
    font-weight: 600;
    font-size: 14px;
  }
  .impact-row.impact-total {
    padding: 12px 0 0;
    border-bottom: none;
  }
  .impact-row .error { color: var(--error); }
  .impact-row .gold { color: var(--gold); }
  .impact-row .gold-big {
    color: var(--gold);
    font-size: 18px;
    font-weight: bold;
  }
  .impact-row strong { color: var(--navy); font-size: 14px; }

  .next-steps {
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.8;
    padding-left: 20px;
    margin: 0 0 24px;
  }
  .next-steps li { margin-bottom: 4px; }

  @media (max-width: 768px) {
    .report-cover { margin: -28px -20px 0 -20px; padding: 28px 22px; }
    .report-title { font-size: 22px; }
    .report-body { padding: 24px 0 0 0; }
    .path-comparison { grid-template-columns: 1fr; }
    .path-card.path-b { border-left: none; border-top: 1px solid var(--gray-light); }
    .path-metric-value { font-size: 18px; }
    .path-metric-value.large { font-size: 22px; }
    .difference-amount { font-size: 32px; }
    .growth-grid { grid-template-columns: 1fr; }
    .tax-table { font-size: 11px; }
    .tax-table th, .tax-table tbody td, .tax-table tfoot td {
      padding: 8px 6px;
    }
  }

  /* ===== END REPORT STYLES ===== */

  /* ===== QUESTIONNAIRE STYLES ===== */
  .q-progress {
    margin-bottom: 24px;
  }
  .q-progress-bar {
    height: 4px;
    background: var(--gray-light);
    overflow: hidden;
    margin-bottom: 8px;
  }
  .q-progress-fill {
    height: 100%;
    background: var(--gold);
    transition: width 0.3s ease;
  }
  .q-progress-label {
    font-size: 11px;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
  }
  .q-title {
    font-size: 24px;
    font-weight: normal;
    color: var(--navy);
    line-height: 1.3;
    margin-bottom: 8px;
  }

  .chip-grid {
    display: grid;
    gap: 10px;
    margin-bottom: 20px;
  }
  .chip-grid-2 { grid-template-columns: 1fr 1fr; }
  .chip-grid-3 { grid-template-columns: 1fr 1fr 1fr; }
  .chip-btn {
    background: var(--white);
    border: 1.5px solid var(--gray-light);
    padding: 14px 16px;
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    color: var(--navy);
    cursor: pointer;
    text-align: center;
    transition: all 0.15s;
    line-height: 1.3;
  }
  .chip-btn:hover {
    border-color: var(--gold);
    background: var(--cream);
  }
  .chip-btn.selected {
    background: var(--navy);
    color: var(--gold-light);
    border-color: var(--navy);
  }

  @media (max-width: 540px) {
    .chip-grid-2, .chip-grid-3 { grid-template-columns: 1fr; }
  }

  /* ===== REPORT NEW STYLES ===== */
  .metric-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    margin-bottom: 20px;
    background: var(--gray-light);
    border: 1px solid var(--gray-light);
  }
  .metric-card {
    background: var(--white);
    padding: 16px 18px;
  }
  .metric-label {
    font-size: 10px;
    color: var(--gray-text);
    margin-bottom: 6px;
    letter-spacing: 0.3px;
  }
  .metric-value {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 22px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1.1;
    letter-spacing: -0.5px;
    font-variant-numeric: tabular-nums;
  }
  .metric-value.amber, .metric-value.green {
    color: var(--navy);
  }
  .metric-note {
    font-family: -apple-system, sans-serif;
    font-size: 10px;
    color: #9CA3AF;
    margin-top: 4px;
  }
  .metric-footnote { font-size: 11px; color: #888; margin-top: 6px; line-height: 1.4; }

  .alert-box {
    border-radius: 4px;
    padding: 12px 16px;
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    line-height: 1.6;
    margin-bottom: 14px;
    background: var(--cream);
    border: 1px solid var(--gray-light);
    color: var(--gray-text);
    border-left: 3px solid var(--gold);
  }
  .alert-box.info {
    border-left-color: var(--navy);
  }
  .alert-box.good {
    border-left-color: var(--gold);
  }
  .alert-box.warn,
  .alert-box.neutral {
    border-left-color: var(--gold);
  }
  .alert-box.danger {
    border-left-color: var(--error);
  }
  .alert-box strong {
    color: var(--navy);
  }

  .report-divider {
    border: none;
    border-top: 1px solid var(--gray-light);
    margin: 32px 0;
  }

  /* Balance comparison — clean, apples-to-apples */
  .balance-comparison {
    border: 1px solid var(--gray-light);
    margin-bottom: 20px;
  }
  .balance-comparison-header {
    background: var(--cream);
    padding: 12px 18px;
    font-size: 11px;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    border-bottom: 1px solid var(--gray-light);
  }
  .balance-comparison-grid {
    display: block;
  }
  .balance-row {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 12px;
    padding: 12px 18px;
    border-bottom: 1px solid var(--gray-light);
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    align-items: center;
  }
  .balance-row:last-child { border-bottom: none; }
  .balance-row-header {
    background: var(--cream);
    font-size: 10px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    color: var(--gray-text);
    font-weight: 600;
  }
  .balance-row-final {
    background: var(--cream);
    font-weight: 600;
  }
  .balance-cell.label {
    color: var(--navy);
  }
  .balance-cell.num {
    text-align: right;
    font-variant-numeric: tabular-nums;
    font-weight: 600;
    color: var(--navy);
  }
  .balance-cell.good { color: var(--gold); }
  .balance-cell.bad { color: var(--gray-text); }

  .rmd-explanation {
    background: var(--cream);
    border-left: 3px solid var(--gold);
    padding: 18px 22px;
    margin-bottom: 24px;
  }
  .rmd-explanation-title {
    font-size: 11px;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 10px;
  }
  .rmd-explanation p {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 8px;
  }
  .rmd-explanation p:last-child { margin-bottom: 0; }
  .rmd-explanation strong {
    color: var(--navy);
  }

  .chart-title {
    font-size: 11px;
    letter-spacing: 1.2px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 12px;
  }
  .chart-container {
    position: relative;
    width: 100%;
    height: 280px;
    margin-bottom: 20px;
    padding: 16px;
    border: 1px solid var(--gray-light);
    background: var(--white);
  }
  .chart-container-short { height: 220px; }

  .estate-card {
    background: var(--navy);
    padding: 24px;
    margin-bottom: 16px;
    color: var(--white);
  }
  .estate-eyebrow {
    font-size: 10px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold-light);
    font-weight: 600;
    margin-bottom: 8px;
  }
  .estate-title {
    font-family: Georgia, serif;
    font-size: 18px;
    font-weight: normal;
    margin-bottom: 14px;
  }
  .estate-text {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: rgba(255,255,255,0.7);
    line-height: 1.7;
    margin-bottom: 18px;
  }
  .estate-text em { color: var(--white); font-style: italic; }
  .estate-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: rgba(255,255,255,0.1);
    margin-bottom: 18px;
  }
  .estate-cell {
    background: var(--navy);
    padding: 14px 16px;
  }
  .estate-cell-label {
    font-family: -apple-system, sans-serif;
    font-size: 10px;
    color: rgba(255,255,255,0.5);
    margin-bottom: 6px;
    letter-spacing: 0.3px;
  }
  .estate-cell-value {
    font-family: -apple-system, sans-serif;
    font-size: 17px;
    font-weight: 600;
    color: var(--white);
    font-variant-numeric: tabular-nums;
    letter-spacing: -0.3px;
  }
  .estate-cell-value.bad { color: rgba(255,255,255,0.6); }
  .estate-cell-value.good { color: var(--gold-light); }
  .estate-callout {
    background: rgba(255,255,255,0.05);
    border-left: 3px solid var(--gold-light);
    padding: 14px 18px;
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: rgba(255,255,255,0.85);
    line-height: 1.6;
  }
  .estate-callout strong { color: var(--gold-light); }

  .action-step {
    display: flex;
    gap: 16px;
    padding: 16px 0;
    border-bottom: 1px solid var(--gray-light);
  }
  .action-step:last-child { border-bottom: none; }
  .action-step-num {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    background: var(--cream);
    color: var(--gold);
    font-family: -apple-system, sans-serif;
    font-size: 12px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--gold);
  }
  .action-step-title {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 6px;
  }
  .action-step-body {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: var(--gray-text);
    line-height: 1.7;
  }

  .phase2-reveal {
  display: block;
  width: 100%;
  padding: 22px;
  margin: 32px 0;
  background: linear-gradient(135deg, #b8924a 0%, #d4a85c 100%);
  color: #fff;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  text-align: center;
  box-shadow: 0 4px 20px rgba(184,146,74,.45);
  transition: box-shadow .2s, transform .15s;
}
.phase2-reveal:hover {
  box-shadow: 0 6px 28px rgba(184,146,74,.6);
  transform: translateY(-1px);
}
  .phase2-reveal:hover { background: var(--navy-dark); }

  .phase2-header {
    background: var(--navy);
    color: var(--white);
    padding: 22px 24px;
  }
  .phase2-eyebrow {
    font-size: 10px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold-light);
    font-weight: 600;
    margin-bottom: 8px;
  }
  .phase2-title {
    font-family: Georgia, serif;
    font-size: 22px;
    font-weight: normal;
    margin-bottom: 6px;
    letter-spacing: -0.3px;
  }
  .phase2-subtitle {
    font-size: 12px;
    color: rgba(255,255,255,0.65);
  }
  .phase2-body {
    border: 1px solid var(--gray-light);
    border-top: none;
    padding: 24px;
    background: var(--white);
  }
  .phase2-intro {
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    color: var(--gray-text);
    line-height: 1.7;
    margin-bottom: 20px;
  }
  .phase2-features {
    display: grid;
    gap: 1px;
    margin-bottom: 18px;
    background: var(--gray-light);
    border: 1px solid var(--gray-light);
  }
  .phase2-feature {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    padding: 16px 18px;
    background: var(--white);
  }
  .phase2-feature-num {
    flex-shrink: 0;
    font-family: Georgia, serif;
    font-size: 22px;
    color: var(--gold);
    font-weight: 600;
    line-height: 1;
    letter-spacing: -0.5px;
  }
  .phase2-feature h4 {
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 4px;
  }
  .phase2-feature p {
    font-family: -apple-system, sans-serif;
    font-size: 13px;
    color: var(--gray-text);
    line-height: 1.6;
    margin: 0;
  }

  @media (max-width: 768px) {
    .metric-grid { grid-template-columns: 1fr; }
    .balance-row { grid-template-columns: 1.5fr 1fr 1fr; gap: 8px; padding: 10px 14px; font-size: 12px; }
    .balance-cell.num { font-size: 13px; }
    .estate-grid { grid-template-columns: 1fr; }
  }

  /* ===== END NEW STYLES ===== */

  .step-marker {
    text-align: center;
    margin-bottom: 12px;
  }
  .step-marker-label {
    display: block;
    font-size: 11px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    margin-bottom: 4px;
  }
  .step-marker-detail {
    display: block;
    font-size: 13px;
    color: var(--gray-text);
  }

  .hero-savings {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--white);
    padding: 36px 24px;
    text-align: center;
    margin: 16px 0 24px;
  }
  .hero-savings-label {
    font-size: 12px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 10px;
    opacity: 0.95;
  }
  .hero-savings-amount {
    font-size: 64px;
    font-weight: bold;
    letter-spacing: -1.5px;
    line-height: 1;
  }

  .tax-comparison-rows {
    margin-bottom: 28px;
  }
  .tax-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 0;
    border-bottom: 1px solid var(--gray-light);
    font-size: 14px;
    color: var(--gray-text);
  }
  .tax-row:last-child { border-bottom: none; }
  .tax-amount {
    font-weight: 600;
    font-size: 15px;
  }
  .tax-amount.tax-trad { color: var(--navy); }
  .tax-amount.tax-strat { color: var(--gold); }

  .divider-with-label {
    display: flex;
    align-items: center;
    gap: 16px;
    margin: 36px 0 20px;
  }
  .divider-with-label::before,
  .divider-with-label::after {
    content: '';
    flex: 1;
    height: 1px;
    background: var(--gray-light);
  }
  .divider-with-label span {
    font-size: 11px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
    white-space: nowrap;
  }

  .long-term-intro {
    text-align: center;
    font-size: 16px;
    color: var(--gray-text);
    line-height: 1.5;
    margin: 16px auto 24px;
    max-width: 480px;
  }
  .long-term-intro em {
    color: var(--navy);
    font-style: italic;
    font-weight: 600;
  }

  .legacy-comparison {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 16px;
  }
  .legacy-card {
    padding: 24px 16px;
    text-align: center;
  }
  .legacy-card.do-nothing {
    background: var(--cream);
  }
  .legacy-card.strategic {
    background: var(--navy);
    color: var(--white);
  }
  .legacy-card-label {
    font-size: 11px;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 8px;
    opacity: 0.85;
  }
  .legacy-card-amount {
    font-size: 30px;
    font-weight: bold;
    letter-spacing: -0.5px;
    line-height: 1;
    margin-bottom: 8px;
  }
  .legacy-card-note {
    font-size: 11px;
    opacity: 0.8;
    font-style: italic;
  }

  .legacy-difference {
    background: var(--white);
    border: 2px solid var(--gold);
    padding: 18px 20px;
    text-align: center;
    margin: 16px 0;
  }
  .legacy-diff-amount {
    font-size: 24px;
    font-weight: bold;
    color: var(--gold);
    margin: 0 8px;
  }
  .legacy-diff-label {
    font-size: 15px;
    color: var(--navy);
  }

  .footnote {
    font-size: 12px;
    color: var(--gray-text);
    line-height: 1.6;
    font-style: italic;
    margin: 16px 0 24px;
    padding: 14px 18px;
    background: rgba(0,0,0,0.02);
    border-left: 2px solid var(--gray-light);
  }

  .scenario-table {
    width: 100%;
    border-collapse: collapse;
    margin: 28px 0;
    font-size: 14px;
    font-family: -apple-system, sans-serif;
  }
  .scenario-table th {
    background: var(--navy);
    color: var(--white);
    padding: 14px 12px;
    text-align: left;
    font-weight: 600;
    font-size: 12px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
  }
  .scenario-table th.highlight {
    background: var(--gold);
  }
  .scenario-table td {
    padding: 14px 12px;
    border-bottom: 1px solid var(--gray-light);
  }
  .scenario-table tr:last-child td { border-bottom: none; }
  .scenario-table td.highlight {
    background: rgba(184, 146, 74, 0.08);
    font-weight: 600;
    color: var(--navy);
  }
  .scenario-table .label-col {
    color: var(--gray-text);
    font-weight: 500;
  }
  .scenario-table .num {
    text-align: right;
    font-variant-numeric: tabular-nums;
  }

  .growth-chart {
    background: var(--cream);
    padding: 32px 24px;
    margin: 28px 0;
    text-align: center;
  }
  .growth-chart svg { max-width: 100%; height: auto; }
  .growth-chart-legend {
    display: flex;
    justify-content: center;
    gap: 24px;
    margin-top: 16px;
    flex-wrap: wrap;
    font-family: -apple-system, sans-serif;
    font-size: 13px;
  }
  .legend-item {
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .legend-swatch {
    width: 14px;
    height: 14px;
    border-radius: 2px;
  }

  .results-cta {
    display: block;
    width: 100%;
    background: var(--gold);
    color: var(--white);
    padding: 18px;
    text-decoration: none;
    text-align: center;
    font-family: -apple-system, sans-serif;
    font-size: 16px;
    font-weight: 600;
    letter-spacing: 0.5px;
    margin-top: 24px;
    transition: background 0.2s;
    border: none;
    cursor: pointer;
  }
  .results-cta:hover { background: var(--gold-light); }

  .bonus-tip {
    background: var(--cream);
    border-left: 4px solid var(--navy);
    padding: 20px 24px;
    margin: 24px 0;
    font-size: 15px;
    color: var(--navy);
  }
  .bonus-tip strong {
    display: block;
    font-family: -apple-system, sans-serif;
    font-size: 12px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 8px;
  }

  .results-disclaimer {
    font-size: 12px;
    color: var(--gray-text);
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid var(--gray-light);
    line-height: 1.6;
    font-style: italic;
  }

  .error-msg {
    background: rgba(196, 61, 61, 0.1);
    color: var(--error);
    padding: 12px 16px;
    margin-bottom: 16px;
    font-family: -apple-system, sans-serif;
    font-size: 14px;
    border-left: 3px solid var(--error);
  }

  .loading-overlay {
    display: none;
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(255, 255, 255, 0.95);
    align-items: center;
    justify-content: center;
    z-index: 10;
  }
  .loading-overlay.active { display: flex; }
  .spinner {
    width: 40px;
    height: 40px;
    border: 3px solid var(--gray-light);
    border-top-color: var(--gold);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
  }
  @keyframes spin { to { transform: rotate(360deg); } }

  .benefits { background: var(--cream); }
  .benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-top: 40px;
  }
  .benefit { text-align: center; }
  .benefit-icon {
    width: 56px;
    height: 56px;
    margin: 0 auto 20px;
    background: var(--navy);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: bold;
    font-family: Georgia, serif;
  }
  .benefit h3 {
    font-size: 22px;
    margin-bottom: 12px;
    color: var(--navy);
    font-weight: normal;
  }
  .benefit p { color: var(--gray-text); font-size: 16px; }

  .faq-item {
    border-bottom: 1px solid var(--gray-light);
    padding: 24px 0;
  }
  .faq-question {
    font-size: 19px;
    color: var(--navy);
    font-weight: 600;
    margin-bottom: 10px;
  }
  .faq-answer {
    color: var(--gray-text);
    font-size: 16px;
    line-height: 1.7;
  }

  footer {
    background: var(--navy-dark);
    color: rgba(255, 255, 255, 0.75);
    padding: 50px 0 30px;
    font-size: 14px;
  }
  footer .footer-top {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
    padding-bottom: 30px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }
  footer h4 {
    color: var(--gold);
    font-size: 14px;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    margin-bottom: 14px;
    font-family: -apple-system, sans-serif;
  }
  footer .contact-info p { margin-bottom: 6px; }
  footer .contact-info a { color: var(--white); text-decoration: none; }
  .disclosures {
    font-size: 12px;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.6);
  }
  .disclosures p { margin-bottom: 12px; }

  @media (max-width: 768px) {
    .hero h1 { font-size: 32px; }
    .hero-sub { font-size: 17px; }
    .section-title { font-size: 28px; }
    .problem-grid, .benefits-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
    .calc-card { padding: 28px 20px; }
    footer .footer-top { grid-template-columns: 1fr; }
    .header-phone { font-size: 13px; }
    .teaser-amount { font-size: 32px; }
    .hero-savings-amount { font-size: 44px; }
    .legacy-comparison { grid-template-columns: 1fr; }
    .legacy-card-amount { font-size: 24px; }
  }
/* ── Edit Panel ── */
#edit-panel {
  border: 1px solid var(--border);
  border-radius: 6px;
  margin-bottom: 24px;
  overflow: hidden;
}
.edit-panel-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 18px;
  background: var(--off-white);
  cursor: pointer;
  font-size: 13px;
  color: var(--navy);
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  user-select: none;
}
.edit-panel-header:hover { background: #eee; }
.edit-panel-chevron { transition: transform .2s; }
#edit-panel.open .edit-panel-chevron { transform: rotate(180deg); }
.edit-panel-body {
  display: none;
  padding: 18px;
  background: #fff;
  border-top: 1px solid var(--border);
}
#edit-panel.open .edit-panel-body { display: block; }
.edit-row { margin-bottom: 14px; }
.edit-label { display: block; font-size: 12px; font-weight: 600; color: var(--navy); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 4px; }
.edit-input { width: 120px; padding: 8px 10px; border: 1px solid var(--border); border-radius: 4px; font-size: 14px; color: var(--navy); }
.edit-hint { display: block; font-size: 11px; color: #888; margin-top: 3px; }