:root{
    --navy:#1A2A44;
    --navy-deep:#141F33;
    --ink-2:#4C5A70;        /* secondary text on white */
    --ink-3:#8A94A6;        /* tertiary / captions */
    --paper:#FFFFFF;
    --paper-2:#F6F7F9;      /* cool alternate section */
    --hairline:#DDE2EA;
    --hairline-navy:rgba(255,255,255,.18);
    --max:1120px;
    font-size:16px;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{
    font-family:'Work Sans',-apple-system,'Segoe UI',Helvetica,Arial,sans-serif;
    color:var(--navy);
    background:var(--paper);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  a{color:inherit;text-decoration:none}
  img{max-width:100%}
  .wrap{max-width:var(--max);margin:0 auto;padding:0 24px}

  /* ---------- signature rule device (from wordmark) ---------- */
  .rule-head{display:flex;align-items:center;gap:16px;margin-bottom:14px}
  .rule-head .eyebrow{
    font-size:.72rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;
    color:var(--ink-3);white-space:nowrap;
  }
  .rule-head::after{content:"";flex:1;height:1px;background:var(--hairline)}
  .on-navy .rule-head .eyebrow{color:rgba(255,255,255,.55)}
  .on-navy .rule-head::after{background:var(--hairline-navy)}

  /* ---------- header ---------- */
  header{
    position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);
    backdrop-filter:blur(8px);border-bottom:1px solid var(--hairline);
  }
  .bar{display:flex;align-items:center;justify-content:space-between;height:68px}
  .wordmark{display:inline-flex;flex-direction:column;gap:5px;line-height:1}
  .wm-words{display:flex;align-items:baseline}
  .wordmark .j{font-weight:700;font-size:1.22rem;letter-spacing:-.01em}
  .wordmark .c{font-weight:400;font-size:1.22rem;letter-spacing:-.01em;margin-left:.28em}
  .wm-sub{display:flex;align-items:center;gap:9px;margin-left:3.45em} /* rule starts under the "s" in Jackson */
  .wordmark .rule{width:3.1em;height:1px;background:var(--navy)}     /* extends past the "p" in Capital */
  .wordmark .usa{font-size:.56rem;font-weight:500;letter-spacing:.34em;color:var(--ink-2)}
  nav{display:flex;gap:28px;font-size:.9rem;font-weight:500;color:var(--ink-2)}
  nav a:hover{color:var(--navy)}
  .head-right{display:flex;align-items:center;gap:20px}
  .phone{font-size:.9rem;font-weight:600;white-space:nowrap}
  .btn{
    display:inline-block;background:var(--navy);color:#fff;font-weight:600;font-size:.92rem;
    padding:12px 26px;border-radius:4px;transition:background .15s ease;white-space:nowrap;
  }
  .btn:hover{background:var(--navy-deep)}
  .btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45)}
  .btn.ghost:hover{background:rgba(255,255,255,.08)}
  .btn.light{background:#fff;color:var(--navy)}
  .btn.light:hover{background:#E9EDF3}
  @media(max-width:880px){nav{display:none}.phone{display:none}}

  /* ---------- hero ---------- */
  .hero{background:var(--navy);color:#fff;padding:92px 0 84px}
  .hero h1{
    font-size:clamp(2rem,5vw,3.3rem);font-weight:600;line-height:1.12;
    letter-spacing:-.022em;max-width:17ch;
  }
  .hero h1 .thin{font-weight:300}
  .hero p.sub{
    margin-top:22px;font-size:1.06rem;font-weight:300;line-height:1.7;
    color:rgba(255,255,255,.78);max-width:56ch;
  }
  .hero-ctas{margin-top:34px;display:flex;gap:14px;flex-wrap:wrap}
  .hero-micro{
    margin-top:22px;font-size:.78rem;letter-spacing:.06em;color:rgba(255,255,255,.5);
    display:flex;gap:10px;flex-wrap:wrap;align-items:center;
  }
  .hero-micro span.dot{width:3px;height:3px;border-radius:50%;background:rgba(255,255,255,.35)}
  @media(max-width:640px){.hero{padding:64px 0 56px}}

  /* ---------- credibility strip ---------- */
  .cred{border-bottom:1px solid var(--hairline)}
  .cred-grid{
    display:grid;grid-template-columns:repeat(4,1fr);
  }
  .cred-item{padding:30px 26px 30px 0}
  .cred-item + .cred-item{border-left:1px solid var(--hairline);padding-left:26px}
  .cred-item h3{font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;margin-bottom:6px}
  .cred-item p{font-size:.86rem;color:var(--ink-2);line-height:1.55}
  @media(max-width:880px){
    .cred-grid{grid-template-columns:1fr 1fr}
    .cred-item{padding:22px 20px 22px 0}
    .cred-item:nth-child(3){border-left:none;padding-left:0}
    .cred-item:nth-child(1),.cred-item:nth-child(2){border-bottom:1px solid var(--hairline)}
  }
  @media(max-width:520px){
    .cred-grid{grid-template-columns:1fr}
    .cred-item{border-left:none!important;padding-left:0!important;border-bottom:1px solid var(--hairline)}
    .cred-item:last-child{border-bottom:none}
  }

  /* ---------- sections ---------- */
  section{padding:88px 0}
  section.alt{background:var(--paper-2)}
  h2.sec{
    font-size:clamp(1.5rem,3.4vw,2.15rem);font-weight:600;letter-spacing:-.018em;
    line-height:1.2;max-width:24ch;
  }
  @media(max-width:640px){section{padding:60px 0}}

  /* ---------- how it works ---------- */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:44px;margin-top:52px}
  .step .num{
    font-size:.78rem;font-weight:600;letter-spacing:.14em;color:var(--ink-3);
    display:flex;align-items:center;gap:12px;margin-bottom:14px;
  }
  .step .num::after{content:"";flex:1;height:1px;background:var(--hairline)}
  .step h3{font-size:1.08rem;font-weight:600;margin-bottom:8px;letter-spacing:-.01em}
  .step p{font-size:.94rem;color:var(--ink-2)}
  .micro-legal{margin-top:44px;font-size:.78rem;color:var(--ink-3);max-width:70ch;line-height:1.6}
  @media(max-width:820px){.steps{grid-template-columns:1fr;gap:32px}}

  /* ---------- reality / result ---------- */
  .rr-list{margin-top:52px;display:flex;flex-direction:column}
  .rr{
    display:grid;grid-template-columns:1fr 1fr;gap:40px;
    padding:30px 0;border-top:1px solid var(--hairline);
  }
  .rr:last-child{border-bottom:1px solid var(--hairline)}
  .rr .label{
    font-size:.7rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
    color:var(--ink-3);display:block;margin-bottom:6px;
  }
  .rr .reality p{font-size:1.02rem;font-weight:500;line-height:1.5;letter-spacing:-.005em}
  .rr .result p{font-size:.95rem;color:var(--ink-2)}
  @media(max-width:760px){.rr{grid-template-columns:1fr;gap:16px;padding:26px 0}}

  /* ---------- verticals ---------- */
  .verts{display:grid;grid-template-columns:1.7fr 1fr;gap:24px;margin-top:52px}
  .vert{
    border:1px solid var(--hairline);border-radius:6px;padding:40px 36px;
    display:flex;flex-direction:column;justify-content:space-between;min-height:280px;
    background:#fff;transition:border-color .15s ease;
  }
  .vert:hover{border-color:var(--navy)}
  .vert.primary{background:var(--navy);color:#fff;border-color:var(--navy)}
  .vert .tag{font-size:.7rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);margin-bottom:14px}
  .vert.primary .tag{color:rgba(255,255,255,.55)}
  .vert h3{font-size:1.35rem;font-weight:600;letter-spacing:-.015em;margin-bottom:10px}
  .vert p{font-size:.94rem;color:var(--ink-2);margin-bottom:26px}
  .vert.primary p{color:rgba(255,255,255,.75)}
  .vert .link{font-size:.9rem;font-weight:600;display:inline-flex;align-items:center;gap:8px}
  .vert .link::after{content:"→";transition:transform .15s ease}
  .vert:hover .link::after{transform:translateX(4px)}
  @media(max-width:760px){.verts{grid-template-columns:1fr}.vert{min-height:0}}

  /* ---------- FAQ ---------- */
  .faq-list{margin-top:52px;border-top:1px solid var(--hairline)}
  details{border-bottom:1px solid var(--hairline)}
  summary{
    list-style:none;cursor:pointer;padding:22px 0;display:flex;justify-content:space-between;
    align-items:center;gap:20px;font-weight:500;font-size:1.02rem;letter-spacing:-.005em;
  }
  summary::-webkit-details-marker{display:none}
  summary .mark{
    flex:none;width:28px;height:28px;border:1px solid var(--hairline);border-radius:50%;
    display:flex;align-items:center;justify-content:center;font-weight:300;font-size:1.1rem;
    color:var(--ink-2);transition:transform .2s ease;
  }
  details[open] summary .mark{transform:rotate(45deg);border-color:var(--navy);color:var(--navy)}
  details .a{padding:0 44px 24px 0;font-size:.94rem;color:var(--ink-2);max-width:72ch}

  /* ---------- CTA band ---------- */
  .cta-band{background:var(--navy);color:#fff;text-align:center;padding:88px 0}
  .cta-band h2{font-size:clamp(1.6rem,3.6vw,2.3rem);font-weight:600;letter-spacing:-.02em;max-width:22ch;margin:0 auto}
  .cta-band .hero-ctas{justify-content:center}
  .cta-band .call{margin-top:18px;font-size:.9rem;color:rgba(255,255,255,.6)}
  .cta-band .call a{color:#fff;font-weight:600;border-bottom:1px solid rgba(255,255,255,.35)}

  /* ---------- footer ---------- */
  footer{background:var(--navy-deep);color:rgba(255,255,255,.72);padding:64px 0 40px;font-size:.86rem}
  .foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
  footer h4{color:#fff;font-size:.72rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;margin-bottom:16px}
  footer ul{list-style:none}
  footer li{margin-bottom:10px}
  footer a:hover{color:#fff}
  .foot-brand .wordmark{filter:none;margin-bottom:16px}
  .foot-brand .wordmark .j,.foot-brand .wordmark .c{color:#fff}
  .foot-brand .wordmark .rule{background:rgba(255,255,255,.5)}
  .foot-brand .wordmark .usa{color:rgba(255,255,255,.55)}
  .foot-legal{
    margin-top:52px;padding-top:28px;border-top:1px solid rgba(255,255,255,.12);
    font-size:.76rem;line-height:1.7;color:rgba(255,255,255,.45);max-width:90ch;
  }
  .foot-legal strong{color:rgba(255,255,255,.65);font-weight:600}
  @media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
  @media(max-width:520px){.foot-grid{grid-template-columns:1fr}}

  :focus-visible{outline:2px solid var(--navy);outline-offset:3px}
  .on-navy :focus-visible,.hero :focus-visible,.cta-band :focus-visible,footer :focus-visible{outline-color:#fff}
  @media (prefers-reduced-motion: reduce){*{transition:none!important;scroll-behavior:auto}}

/* ---------- interior page components (Phase 3) ---------- */
.page-hero{background:var(--navy);color:#fff;padding:76px 0 64px}
.page-hero h1{font-size:clamp(1.8rem,4.4vw,2.8rem);font-weight:600;line-height:1.15;letter-spacing:-.02em;max-width:22ch}
.page-hero p.sub{margin-top:18px;font-size:1.02rem;font-weight:300;line-height:1.7;color:rgba(255,255,255,.78);max-width:58ch}
.page-hero .hero-ctas{margin-top:30px}
@media(max-width:640px){.page-hero{padding:56px 0 48px}}

.prose{max-width:68ch;font-size:1rem;color:var(--ink-2);line-height:1.75}
.prose p+p{margin-top:18px}
.prose strong{color:var(--navy);font-weight:600}
.prose h3{color:var(--navy);font-size:1.1rem;font-weight:600;margin:34px 0 8px;letter-spacing:-.01em}

.check-list{margin-top:36px;max-width:68ch}
.check-list li{list-style:none;padding:14px 0 14px 30px;position:relative;color:var(--ink-2);font-size:.97rem;border-bottom:1px solid var(--hairline)}
.check-list li::before{content:"";position:absolute;left:2px;top:22px;width:14px;height:1px;background:var(--navy)}
.check-list li strong{color:var(--navy);font-weight:600}
.check-list li:first-child{border-top:1px solid var(--hairline)}

.cat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:48px}
.cat{border:1px solid var(--hairline);border-radius:6px;padding:28px;background:#fff}
.cat h3{font-size:1rem;font-weight:600;margin-bottom:6px;letter-spacing:-.01em}
.cat p{font-size:.9rem;color:var(--ink-2)}
@media(max-width:700px){.cat-grid{grid-template-columns:1fr}}

.note-band{border:1px solid var(--hairline);border-radius:6px;background:var(--paper-2);padding:30px 32px;margin-top:56px;max-width:100%}
.note-band h3{font-size:.74rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);margin-bottom:10px}
.note-band p{font-size:.94rem;color:var(--ink-2);max-width:75ch}
.note-band a{font-weight:600;color:var(--navy);border-bottom:1px solid var(--hairline)}

/* ---------- forms (apply page) ---------- */
.form-wrap{max-width:720px}
fieldset{border:none;margin-top:52px}
fieldset legend{width:100%;display:flex;align-items:center;gap:16px;font-size:.74rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);margin-bottom:22px}
fieldset legend::after{content:"";flex:1;height:1px;background:var(--hairline)}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
.f-row.one{grid-template-columns:1fr}
@media(max-width:620px){.f-row{grid-template-columns:1fr}}
label{display:block;font-size:.82rem;font-weight:500;color:var(--navy);margin-bottom:6px}
label .opt{color:var(--ink-3);font-weight:400}
input[type=text],input[type=email],input[type=tel],input[type=date],input[type=number],select,textarea{
  width:100%;padding:12px 14px;font:inherit;font-size:.95rem;color:var(--navy);
  border:1px solid var(--hairline);border-radius:4px;background:#fff;
}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(26,42,68,.08)}
textarea{min-height:110px;resize:vertical}
.consent{margin-top:44px;border-top:1px solid var(--hairline);padding-top:32px}
.consent-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:20px;max-width:72ch}
.consent-item input[type=checkbox]{width:18px;height:18px;margin-top:3px;accent-color:var(--navy);flex:none}
.consent-item p{font-size:.85rem;color:var(--ink-2);line-height:1.6}
.form-actions{margin-top:32px}
.form-actions .btn{padding:15px 40px;font-size:1rem}
.under-btn{margin-top:16px;font-size:.82rem;color:var(--ink-3);max-width:60ch}
.add-owner{background:none;border:1px dashed var(--hairline);border-radius:4px;width:100%;padding:14px;font:inherit;font-size:.9rem;font-weight:600;color:var(--navy);cursor:pointer}
.add-owner:hover{border-color:var(--navy)}
#owner2{display:none}
#owner2.show{display:block}
.field-note{font-size:.78rem;color:var(--ink-3);margin-top:6px}

/* ---------- apply page: secure note + Cognito embed ---------- */
.secure-note{
  display:flex;gap:16px;align-items:flex-start;
  border:1px solid var(--hairline);border-left:3px solid var(--navy);
  background:var(--paper-2);border-radius:4px;padding:22px 24px;max-width:820px;
}
.secure-note .lock{font-size:1rem;line-height:1.5;flex:none;opacity:.7}
.secure-note p{font-size:.88rem;color:var(--ink-2);line-height:1.65}
.secure-note strong{color:var(--navy);font-weight:600}
@media(max-width:520px){.secure-note{padding:18px}.secure-note .lock{display:none}}

.form-embed{margin-top:40px;max-width:820px}
.form-embed iframe{width:100%!important;border:none!important}