:root{
  --navy:#0b2348;
  --navy-2:#153963;
  --gold:#d6a928;
  --gold-soft:#f5e8b9;
  --ink:#172033;
  --muted:#667085;
  --line:#dfe4ec;
  --bg:#f3f6fa;
  --white:#ffffff;
  --danger:#a12c2c;
  --radius:20px;
  --shadow:0 14px 40px rgba(11,35,72,.09);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5}
button,input,textarea{font:inherit}
.site-header{position:sticky;top:0;z-index:30;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:14px clamp(18px,4vw,56px);background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(11,35,72,.08)}
.brand-wrap{display:flex;align-items:center;gap:13px}.brand-mark{width:44px;height:44px;background:var(--navy);border-radius:12px;display:grid;place-items:center;box-shadow:inset 0 -4px 0 var(--gold)}.brand-mark span{font-weight:900;color:white;letter-spacing:-1px}.brand-name{font-size:14px;line-height:1;font-weight:900;letter-spacing:.12em;color:var(--navy)}.brand-subtitle{font-size:10px;letter-spacing:.25em;color:var(--gold);font-weight:800;margin-top:5px}.header-actions,.submit-actions{display:flex;gap:10px;flex-wrap:wrap}
.btn{appearance:none;border:0;border-radius:12px;padding:11px 16px;font-weight:800;cursor:pointer;transition:.2s ease;white-space:nowrap}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--navy);color:white;box-shadow:0 8px 18px rgba(11,35,72,.18)}.btn-primary:hover{background:var(--navy-2)}.btn-ghost{background:white;color:var(--navy);border:1px solid var(--line)}.btn.danger{color:var(--danger)}
main{width:min(1120px,calc(100% - 32px));margin:0 auto 60px}.hero{display:grid;grid-template-columns:1.5fr .8fr;gap:28px;align-items:end;padding:58px 0 30px}.eyebrow{display:inline-block;font-size:12px;letter-spacing:.16em;font-weight:900;color:var(--gold);margin-bottom:10px}.hero h1{margin:0;color:var(--navy);font-size:clamp(36px,5vw,64px);line-height:1.03;letter-spacing:-.04em}.hero p{font-size:18px;color:var(--muted);max-width:720px;margin:18px 0 0}.progress-card{background:var(--navy);color:white;border-radius:18px;padding:20px;box-shadow:var(--shadow)}.progress-label{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px}.progress-label span{font-size:13px;color:#dfe7f3}.progress-label strong{font-size:20px;color:var(--gold)}.progress-track{height:8px;background:rgba(255,255,255,.14);border-radius:999px;overflow:hidden}.progress-bar{height:100%;width:0;background:var(--gold);border-radius:inherit;transition:width .25s ease}.progress-card small{display:block;margin-top:10px;color:#c7d2e3}
.form-card{background:white;border:1px solid rgba(11,35,72,.07);border-radius:var(--radius);padding:clamp(22px,4vw,38px);margin:18px 0;box-shadow:var(--shadow)}.intro-card{border-top:5px solid var(--gold)}.section-heading{display:flex;align-items:flex-start;gap:16px;margin-bottom:26px}.section-number{display:grid;place-items:center;min-width:42px;height:42px;border-radius:12px;background:var(--navy);color:var(--gold);font-weight:900;font-size:13px}.section-heading h2{margin:0;color:var(--navy);font-size:25px;letter-spacing:-.02em}.section-heading p{margin:3px 0 0;color:var(--muted)}.agent-badge{margin-left:auto;font-size:10px;font-weight:900;letter-spacing:.12em;background:var(--gold-soft);color:#6e5310;border:1px solid #e3cb74;padding:7px 10px;border-radius:999px}.agent-only{background:linear-gradient(180deg,#fffdf8 0,#fff 18%)}
.grid{display:grid;gap:18px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.full{grid-column:1/-1}.field{display:flex;flex-direction:column;gap:8px}.field>span,.mini-heading{font-weight:800;color:#344054;font-size:14px}.question-block{margin-top:22px}.question{border:0;padding:0;margin:24px 0 0}.question:first-of-type{margin-top:0}.question legend{font-weight:850;color:#27364d;margin-bottom:12px;padding:0;font-size:15px}.choice-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}.choice-row{display:flex;gap:10px;flex-wrap:wrap}.choice-grid label,.choice-row label{display:flex;align-items:center;gap:9px;min-height:46px;padding:11px 13px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;transition:.16s ease}.choice-grid label:hover,.choice-row label:hover{border-color:#b6c0cf;background:#fafbfd}.choice-grid label:has(input:checked),.choice-row label:has(input:checked){border-color:var(--gold);background:#fffbef;box-shadow:0 0 0 2px rgba(214,169,40,.12)}input[type="checkbox"],input[type="radio"]{accent-color:var(--navy);width:17px;height:17px;flex:0 0 auto}.with-other{grid-column:span 2;flex-wrap:wrap}.inline-input{flex:1;min-width:150px!important;padding:6px 9px!important;border-radius:8px!important}.wrap{flex-wrap:wrap}
input[type="text"],input[type="email"],input[type="tel"],input[type="number"],input[type="date"],textarea{width:100%;border:1px solid #cfd6e2;border-radius:11px;background:#fff;color:var(--ink);padding:12px 13px;outline:none;transition:.16s ease}textarea{resize:vertical;min-height:92px}input:focus,textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(214,169,40,.14)}.money-input,.suffix-input{display:flex;align-items:center;border:1px solid #cfd6e2;border-radius:11px;overflow:hidden;background:white}.money-input b,.suffix-input b{padding:0 0 0 13px;color:#667085}.suffix-input b{padding:0 13px 0 0;font-size:13px}.money-input input,.suffix-input input{border:0;box-shadow:none!important}.narrow{max-width:360px}.stack{display:grid;gap:10px}
.readiness{margin-top:26px}.scale{display:grid;grid-template-columns:repeat(10,1fr);gap:8px}.scale label{position:relative}.scale input{position:absolute;opacity:0}.scale span{height:44px;border:1px solid var(--line);border-radius:10px;display:grid;place-items:center;font-weight:850;cursor:pointer;background:white}.scale label:has(input:checked) span{background:var(--navy);color:white;border-color:var(--navy);box-shadow:inset 0 -3px 0 var(--gold)}.scale-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:12px;margin-top:7px}.checklist-block{margin-top:28px;padding-top:24px;border-top:1px dashed var(--line)}.checklist-block h3{margin:0 0 14px;color:var(--navy)}.checklist{grid-template-columns:repeat(2,minmax(0,1fr))}.submit-card{display:flex;align-items:center;justify-content:space-between;gap:20px;background:var(--navy);color:white;border-radius:var(--radius);padding:26px 30px;margin-top:24px}.submit-card h2{margin:0 0 5px}.submit-card p{margin:0;color:#d3dbea}.submit-card .btn-ghost{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:white}.submit-card .danger{color:#ffd1d1}.submit-card .btn-primary{background:var(--gold);color:#1d2b43}footer{display:flex;justify-content:space-between;gap:20px;padding:24px clamp(18px,4vw,56px);border-top:1px solid var(--line);color:var(--muted);font-size:13px;background:white}.footer-brand{font-weight:900;color:var(--navy)}.toast{position:fixed;right:22px;bottom:22px;z-index:80;background:#14263f;color:white;padding:12px 16px;border-radius:12px;box-shadow:0 12px 30px rgba(0,0,0,.2);opacity:0;transform:translateY(10px);pointer-events:none;transition:.2s ease}.toast.show{opacity:1;transform:translateY(0)}
@media (max-width:850px){.site-header{align-items:flex-start}.header-actions{display:none}.hero{grid-template-columns:1fr;padding-top:36px}.grid-2,.choice-grid,.checklist{grid-template-columns:1fr}.with-other{grid-column:auto}.scale{grid-template-columns:repeat(5,1fr)}.submit-card{align-items:flex-start;flex-direction:column}footer{flex-direction:column}.agent-badge{display:none}}
@media (max-width:520px){main{width:min(100% - 20px,1120px)}.site-header{padding:12px}.brand-mark{width:40px;height:40px}.brand-name{font-size:12px}.hero h1{font-size:40px}.hero p{font-size:16px}.form-card{padding:20px 16px;border-radius:16px}.section-heading{gap:11px}.section-number{min-width:38px;height:38px}.section-heading h2{font-size:21px}.scale{grid-template-columns:repeat(5,1fr)}.submit-actions{width:100%}.submit-actions .btn{flex:1}.submit-card{padding:22px 18px}}

@media print{
  @page{size:Letter;margin:.45in}
  body{background:white;font-size:11px;color:#111}.no-print,.site-header{display:none!important}main{width:100%;margin:0}.hero{display:block;padding:0 0 14px;border-bottom:2px solid var(--navy)}.hero h1{font-size:28px}.hero p{font-size:11px;margin-top:7px}.eyebrow{font-size:9px;margin-bottom:4px}.form-card{box-shadow:none;border:1px solid #cfd6e2;border-radius:8px;padding:16px;margin:10px 0;break-inside:avoid}.section-heading{margin-bottom:12px}.section-number{min-width:28px;height:28px;border-radius:6px;font-size:9px}.section-heading h2{font-size:17px}.section-heading p{font-size:9px}.grid{gap:10px}.question{margin-top:12px}.question legend,.field>span,.mini-heading{font-size:10px}.choice-grid{grid-template-columns:repeat(3,1fr);gap:5px}.choice-grid label,.choice-row label{min-height:28px;padding:5px 7px;border-radius:6px;font-size:9px}.question-block{margin-top:10px}input[type="text"],input[type="email"],input[type="tel"],input[type="number"],input[type="date"],textarea{padding:6px 7px;border-radius:5px;font-size:9px;min-height:0}textarea{height:50px}.money-input,.suffix-input{border-radius:5px}.money-input b,.suffix-input b{font-size:9px}.scale span{height:28px;border-radius:5px;font-size:9px}.scale-labels{font-size:8px}.agent-badge{font-size:7px}.checklist-block{margin-top:12px;padding-top:10px}footer{padding:10px 0 0;border-top:1px solid #ccc;font-size:8px}
}