/* Annuity Brothers v2. White, navy, one gold. Gold always means "the next step". */
:root{
  --bg:#FFFFFF; --bg-2:#F3F6FB; --navy:#0B2545; --ink:#0B1F3A; --ink-2:#4A5A72; --rule:rgba(11,31,58,.13);
  --gold:#1F6FEB; --gold-d:#1557C0; --gold-soft:#E8F0FE; --gold-lt:#8DBBFF; --green:#12904C; --red:#B93B2C;
  --display:"Archivo","Arial Narrow",Arial,sans-serif;
  --body:"Hanken Grotesk",system-ui,-apple-system,"Segoe UI",sans-serif;
  --script:"Mrs Saint Delafield","Brush Script MT",cursive;
  --hand:"Caveat","Segoe Print","Bradley Hand",cursive; --pen:#1E4FB5;
  --wrap:1140px; --pad:clamp(20px,4vw,40px);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;color-scheme:light;scroll-padding-top:96px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:1.25rem;line-height:1.5;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit}
a,button,input,select,summary,label{touch-action:manipulation;-webkit-tap-highlight-color:transparent}
h1,h2,h3{font-family:var(--display);font-weight:800;font-stretch:88%;line-height:1;letter-spacing:-.022em;margin:0;text-wrap:balance}
h1{font-size:clamp(2.9rem,6.4vw,5.4rem)}
h2{font-size:clamp(2.2rem,4.6vw,3.7rem)}
h3{font-size:clamp(1.45rem,2.2vw,1.8rem);line-height:1.1}
p{margin:0}
:focus-visible{outline:3px solid #1F6FEB;outline-offset:3px;border-radius:8px}
.wrap{width:min(var(--wrap),100% - 2*var(--pad));margin-inline:auto}
.todo{background:#FFE98A;color:#3d3100;padding:0 .3em;border-radius:3px;font-weight:700}
.skip{position:fixed;left:12px;top:-80px;z-index:100;padding:14px 18px;border-radius:10px;background:var(--navy);color:#fff;font-weight:700;text-decoration:none}
.skip:focus{top:12px}
.lede{font-size:clamp(1.25rem,1.9vw,1.5rem);color:var(--ink-2);max-width:30em}

/* the one button */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6em;min-height:64px;padding:0 1.8em;border:0;border-radius:999px;
  background:var(--gold);color:#FFFFFF;font:700 1.25rem/1 var(--body);text-decoration:none;cursor:pointer;white-space:nowrap;
  box-shadow:0 10px 24px -10px rgba(21,87,192,.5);transition:transform .15s,box-shadow .15s,background-color .15s}
.btn:hover{background:var(--gold-d);transform:translateY(-2px);box-shadow:0 16px 28px -10px rgba(21,87,192,.55)}
.btn:active{transform:translateY(1px)}
.btn svg{width:1.15em;height:1.15em;flex:none;transition:transform .15s}
.btn:hover svg{transform:translateX(4px)}
.btn--lg{min-height:76px;font-size:1.45rem;padding:0 2em}
.btn--sm{min-height:48px;font-size:1.05rem;padding:0 1.25em;box-shadow:none}
.btn--line{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 2px var(--ink)}
.btn--line:hover{background:var(--ink);color:#fff;box-shadow:inset 0 0 0 2px var(--ink)}
.btn[disabled]{opacity:.45;pointer-events:none}
.go{display:inline-flex;flex-direction:column;align-items:flex-start;gap:12px}
.go__sub{font-size:1.02rem;font-weight:600;color:var(--ink-2)}
.go--center{align-items:center}
.more{display:inline-flex;align-items:center;gap:.4em;font-weight:700;text-decoration:underline;text-underline-offset:.25em;text-decoration-thickness:2px}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);box-shadow:0 1px 0 var(--rule)}
.hdr__in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:80px}
.brand{display:inline-flex;align-items:center;gap:.5em;font:800 1.45rem/1 var(--display);font-stretch:88%;letter-spacing:-.02em;text-decoration:none;white-space:nowrap;color:var(--ink)}
.brand .mark{width:52px;height:46px;flex:none}
.hdr__nav{display:flex;align-items:center;gap:6px}
.hdr__nav a:not(.btn){padding:12px 14px;border-radius:10px;font-size:1.08rem;font-weight:600;text-decoration:none;color:var(--ink)}
.hdr__nav a:not(.btn):hover{background:var(--bg-2)}
.hdr__nav a[aria-current=page]{box-shadow:inset 0 -3px 0 var(--gold)}
.hdr__nav .btn{margin-left:10px}
.hdr__menu{display:none;width:48px;height:48px;border:0;border-radius:12px;background:var(--bg-2);cursor:pointer;place-items:center}
.hdr__menu span,.hdr__menu span::before,.hdr__menu span::after{display:block;width:22px;height:2.5px;border-radius:2px;background:var(--ink);content:"";position:relative}
.hdr__menu span::before{position:absolute;top:-7px}.hdr__menu span::after{position:absolute;top:7px}
@media (max-width:920px){
  .hdr__in{height:68px}
  .brand{font-size:1.2rem}.brand .mark{width:44px;height:38px}
  .hdr__menu{display:grid}
  .hdr__nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;padding:8px var(--pad) 20px;background:#fff;box-shadow:0 20px 30px -20px rgba(11,31,58,.35);display:none}
  .hdr.is-open .hdr__nav{display:flex}
  .hdr__nav a:not(.btn){padding:16px 4px;font-size:1.25rem;border-bottom:1px solid var(--rule);border-radius:0}
  .hdr__nav a[aria-current=page]{box-shadow:none;color:var(--gold-d)}
  .hdr__nav .btn{margin:16px 0 0;min-height:60px;font-size:1.2rem}
}

/* ===== the check: printed labels, the rest written by hand ===== */
.chk{container-type:inline-size;width:100%;aspect-ratio:2.2/1;position:relative;color:var(--ink)}
.chk__paper{position:absolute;inset:0;border-radius:2.2cqw;padding:4.4cqw 5.4cqw 3.6cqw;display:flex;flex-direction:column;
  background:linear-gradient(170deg,#FFFFFF 35%,#F3F6FB);
  box-shadow:0 0 0 1px rgba(11,31,58,.14),inset 0 0 0 1.2cqw #fff,inset 0 0 0 1.38cqw rgba(11,31,58,.22),
    0 3cqw 4cqw -2cqw rgba(11,31,58,.2),0 9cqw 11cqw -6cqw rgba(11,31,58,.3)}
.chk__lbl{font:700 1.6cqw/1 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--ink-2);flex:none}
.chk__w{font-family:var(--hand);font-weight:700;color:var(--pen);line-height:1;white-space:nowrap;
  clip-path:inset(-30% calc((1 - var(--w,1))*104% - 4%) -40% -4%);opacity:clamp(0,calc(var(--w,1)*40),1)}
.chk__top{display:flex;justify-content:space-between;align-items:baseline}
.chk__brand{font:800 2.5cqw/1 var(--display);font-stretch:88%;letter-spacing:-.01em}
.chk__when{display:flex;align-items:baseline;gap:1.4cqw;border-bottom:1px solid rgba(11,31,58,.3);padding:0 1cqw .5cqw 0;min-width:30%}
.chk__when .chk__w{font-size:4.2cqw}
.chk__to{display:flex;align-items:baseline;gap:1.8cqw;margin-top:2.2cqw;padding-bottom:.6cqw;border-bottom:1px solid rgba(11,31,58,.3)}
.chk__payee{font-size:5.6cqw;overflow:visible}
.chk__amt{margin-top:auto;display:flex;align-items:flex-end;gap:2cqw}
.chk__amt .chk__w{display:flex;align-items:flex-start;line-height:.8;letter-spacing:-.01em}
.chk__amt i{font-style:normal;font-size:10cqw;margin:1.2cqw .8cqw 0 0}
.chk__amt b{font-size:21cqw;font-variant-numeric:tabular-nums}
.chk__amt small{font:600 2.8cqw/1.15 var(--body);color:var(--ink-2);margin-bottom:2.2cqw}
.chk__foot{display:flex;justify-content:space-between;align-items:flex-end;gap:5cqw;margin-top:1.4cqw}
.chk__memo{flex:1;display:flex;align-items:baseline;gap:1.4cqw;padding-bottom:.5cqw;border-bottom:1px solid rgba(11,31,58,.3)}
.chk__memo .chk__w{font-size:3.6cqw}
.chk__sigbox{flex:0 0 30%;text-align:center;border-bottom:1px solid rgba(11,31,58,.3);padding-bottom:.2cqw}
.chk__sig{font-family:var(--script);font-weight:400;font-size:7.4cqw;line-height:.75;display:inline-block}
.chk__micro{position:absolute;left:0;right:0;bottom:1.5cqw;text-align:center;font:600 1.1cqw/1 var(--body);letter-spacing:.1em;text-transform:uppercase;color:rgba(11,31,58,.4)}
.chk__pen{position:absolute;left:0;top:0;width:9cqw;height:9cqw;margin:-8.6cqw 0 0 -.4cqw;opacity:0;pointer-events:none;will-change:transform,opacity}

/* ===== home: a blank check, filled in as you scroll ===== */
.reel{position:relative;height:500vh}
.reel__stage{position:sticky;top:var(--hdr-h,80px);height:calc(100vh - var(--hdr-h,80px));height:calc(100svh - var(--hdr-h,80px));overflow:hidden;
  background:radial-gradient(120% 80% at 50% 105%,var(--bg-2),#fff 72%)}
.reel__head{position:absolute;left:0;right:0;top:0;padding:clamp(18px,3vh,36px) max(var(--pad),calc((100vw - var(--wrap))/2)) 0;
  display:flex;align-items:center;justify-content:space-between;gap:16px 40px;will-change:opacity,transform}
.reel__head h1{font-size:clamp(3rem,6.2vw,5.6rem)}
.reel__head p{font-size:clamp(1.2rem,1.7vw,1.45rem);color:var(--ink-2);margin-top:.35em}
.reel__copy{position:absolute;left:max(var(--pad),calc((100vw - var(--wrap))/2));top:50%;width:min(430px,31vw);transform:translateY(-50%);opacity:0;visibility:hidden;will-change:opacity,transform}
.reel__copy h2{font-size:clamp(2.8rem,5vw,4.6rem);margin-bottom:.3em}
.reel__copy p{font-size:clamp(1.2rem,1.7vw,1.45rem);color:var(--ink-2)}
.reel__copy small{display:block;margin-top:.8em;font-size:.95rem;color:var(--ink-2)}
.reel__copy .go{margin-top:1.4em}
.reel__rig{position:absolute;inset:0;perspective:2000px;perspective-origin:50% 40%;pointer-events:none}
.reel__check{position:absolute;left:0;top:0;transform-origin:50% 50%;will-change:transform}
.reel__note{position:absolute;left:6.5cqw;bottom:13.5cqw;font:700 6.4cqw/1 var(--hand);color:var(--gold-d);transform:rotate(-3deg);transform-origin:0 100%;white-space:nowrap;will-change:opacity}
.reel__note i{font-style:normal;color:var(--pen);margin-right:.25em}
.reel__dots{position:absolute;right:max(14px,calc((100vw - var(--wrap))/2 - 44px));top:50%;transform:translateY(-50%);display:grid;gap:10px}
.reel__dots i{width:8px;height:8px;border-radius:50%;background:rgba(11,31,58,.2);transition:background-color .3s,transform .3s}
.reel__dots i.on{background:var(--gold-d);transform:scale(1.5)}
.reel__hint{position:absolute;left:50%;bottom:14px;transform:translateX(-50%);font:700 .78rem/1 var(--body);letter-spacing:.16em;text-transform:uppercase;color:var(--ink-2);display:flex;flex-direction:column;align-items:center;gap:6px;transition:opacity .3s}
.reel__hint::after{content:"";width:2px;height:20px;background:currentColor;animation:hint 1.6s ease-in-out infinite;transform-origin:top}
@keyframes hint{0%{transform:scaleY(0)}50%{transform:scaleY(1)}100%{transform:scaleY(1);opacity:0}}
@media (max-width:860px){
  .reel{height:460vh}
  .reel__head{flex-direction:column;align-items:flex-start;padding-top:18px}
  .reel__head h1{font-size:clamp(3rem,15vw,4.2rem)}
  .reel__head p{font-size:1.15rem}
  .reel__head .btn--lg,.reel__copy .btn--lg{min-height:64px;font-size:1.25rem}
  .reel__copy{left:var(--pad);right:var(--pad);width:auto;top:22px;transform:none}
  .reel__copy h2{font-size:clamp(2.6rem,12vw,3.4rem)}
  .reel__copy p{font-size:1.15rem}
  .reel__copy .go{margin-top:1em}
  .reel__dots,.reel__hint{display:none}
}
/* reduced motion: no pinning, the finished check and the lines as plain text */
.calm .reel{height:auto}
.calm .reel__stage{position:relative;top:auto;height:auto;overflow:visible;padding:0 0 40px}
.calm .reel__head{position:static}
.calm .reel__rig{position:relative;inset:auto;perspective:none;padding:32px var(--pad)}
.calm .reel__check{position:relative;width:min(1100px,100%);margin:0 auto}
.calm .reel__copy{position:static;transform:none;opacity:1;visibility:visible;width:min(var(--wrap),100% - 2*var(--pad));margin:28px auto 0}
.calm .reel__dots,.calm .reel__hint,.calm .reel__note{display:none}

/* ===== sections ===== */
.sec{padding:clamp(72px,9vw,128px) 0}
.sec--tint{background:var(--bg-2)}
.sec__head{max-width:780px;margin-bottom:clamp(32px,5vw,56px)}
.sec__head h2+p{margin-top:.7em}
.sec__head--center{margin-inline:auto;text-align:center}
.sec__head--center .lede{margin-inline:auto}
.phead{padding:clamp(56px,8vw,104px) 0 clamp(36px,5vw,56px);background:var(--bg-2)}
.phead h1{font-size:clamp(2.7rem,5.8vw,4.6rem);max-width:13em}
.phead p{margin-top:.7em}
[data-rise]{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1)}
[data-rise].in{opacity:1;transform:none}
.calm [data-rise]{opacity:1;transform:none;transition:none}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(18px,2.6vw,32px);counter-reset:s}
.steps li{counter-increment:s;background:#fff;border-radius:22px;padding:32px 30px 34px;box-shadow:0 0 0 1px var(--rule),0 24px 40px -30px rgba(11,31,58,.45)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:60px;height:60px;border-radius:50%;background:var(--navy);color:#fff;font:800 1.7rem/1 var(--display);margin-bottom:22px}
.steps li:first-child::before{background:var(--gold);color:#FFFFFF}
.steps h3{margin-bottom:.4em}
.steps p{color:var(--ink-2)}
.steps .btn{margin-top:1.2em}
@media (max-width:860px){.steps{grid-template-columns:1fr}}

/* home: three plain promises */
.trio{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,4vw,56px)}
.trio article{padding-top:22px;border-top:4px solid var(--gold)}
.trio h3{margin-bottom:.45em}
.trio p{color:var(--ink-2)}
@media (max-width:860px){.trio{grid-template-columns:1fr}}

/* home: calculator teaser */
.tease{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:clamp(28px,5vw,72px);align-items:center}
.tease .lede{margin:.7em 0 1.4em}
@media (max-width:860px){.tease{grid-template-columns:minmax(0,1fr)}}

/* calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:clamp(28px,5vw,72px);align-items:start}
.calc__out{position:sticky;top:110px;display:grid;gap:26px}
.calc__num{font:800 clamp(3rem,7vw,5.2rem)/.95 var(--display);font-stretch:86%;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.calc__num small{display:block;font:600 1.15rem/1.3 var(--body);letter-spacing:0;color:var(--ink-2);margin-bottom:10px}
.calc__num span{font-size:.36em;font-weight:700;letter-spacing:0;color:var(--ink-2)}
@media (max-width:900px){.calc{grid-template-columns:minmax(0,1fr)}.calc__out{position:static}}
.field{padding:26px 0;border-top:1px solid var(--rule)}
.field:last-of-type{border-bottom:1px solid var(--rule)}
.field__top{display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.field label{font-weight:700;font-size:1.25rem}
.field output{font:800 2rem/1 var(--display);font-stretch:88%;font-variant-numeric:tabular-nums;white-space:nowrap}
.field__hint{font-size:1.02rem;color:var(--ink-2);margin-top:4px}
.field__ctl{display:flex;align-items:center;gap:12px;margin-top:16px}
.step{flex:none;width:52px;height:52px;border-radius:50%;border:2px solid var(--ink);background:#fff;color:var(--ink);font:700 1.6rem/1 var(--body);cursor:pointer;display:grid;place-items:center}
.step:hover{background:var(--ink);color:#fff}
input[type=range]{-webkit-appearance:none;appearance:none;flex:1;min-width:0;height:52px;background:transparent;cursor:pointer;margin:0}
input[type=range]::-webkit-slider-runnable-track{height:12px;border-radius:6px;background:linear-gradient(90deg,var(--navy) var(--pct,50%),rgba(11,31,58,.14) var(--pct,50%))}
input[type=range]::-moz-range-track{height:12px;border-radius:6px;background:linear-gradient(90deg,var(--navy) var(--pct,50%),rgba(11,31,58,.14) var(--pct,50%))}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:40px;height:40px;margin-top:-14px;border-radius:50%;background:var(--gold);border:4px solid #fff;box-shadow:0 0 0 2px var(--navy),0 6px 14px -4px rgba(0,0,0,.45)}
input[type=range]::-moz-range-thumb{width:32px;height:32px;border-radius:50%;background:var(--gold);border:4px solid #fff;box-shadow:0 0 0 2px var(--navy)}

/* savings split */
.split{display:grid;gap:16px}
.split__bar{display:flex;min-height:92px;border-radius:16px;overflow:hidden}
.split__seg{padding:14px 18px;display:flex;flex-direction:column;justify-content:center;gap:4px;line-height:1.1;min-width:0}
.split__seg em{font-style:normal;font-size:.82rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase}
.split__seg b{font:800 1.5rem/1.05 var(--display);font-stretch:88%}
.split__seg--pay{background:var(--navy);color:#fff}
.split__seg--free{background:var(--gold);color:#FFFFFF}
.split__say{font-size:1.2rem}
.split__fine{font-size:.86rem;line-height:1.45;color:var(--ink-2)}
@media (max-width:560px){.split__seg{padding:12px}.split__seg em{font-size:.7rem}.split__seg b{font-size:1.2rem}}

/* fit */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,2.6vw,32px)}
.fit__col{border-radius:22px;padding:34px 32px;background:#fff;box-shadow:0 0 0 1px var(--rule)}
.fit__col--yes{background:var(--navy);color:#fff;box-shadow:none}
.fit__col h3{margin-bottom:.9em}
.fit__col ul{list-style:none;margin:0;padding:0;display:grid;gap:18px}
.fit__col li{position:relative;padding-left:44px}
.fit__col li::before{content:"";position:absolute;left:0;top:.12em;width:28px;height:28px;border-radius:50%}
.fit__col--yes li::before{background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.5 12.5l3.6 3.6 7.4-8' fill='none' stroke='%23FFFFFF' stroke-width='2.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat}
.fit__col--no li::before{background:var(--bg-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M8 8l8 8M16 8l-8 8' fill='none' stroke='%230B2545' stroke-width='2.4' stroke-linecap='round'/%3E%3C/svg%3E") center/100% no-repeat}
@media (max-width:860px){.fit{grid-template-columns:1fr}}

/* faq */
.faq{max-width:880px}
.faq details{border-top:1px solid var(--rule)}
.faq details:last-child{border-bottom:1px solid var(--rule)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:28px 0;font:800 clamp(1.35rem,2.1vw,1.7rem)/1.15 var(--display);font-stretch:88%;letter-spacing:-.015em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:40px;height:40px;border-radius:50%;background-color:var(--bg-2);background-image:linear-gradient(var(--ink),var(--ink)),linear-gradient(var(--ink),var(--ink));background-size:16px 2.5px,2.5px 16px;background-position:center;background-repeat:no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 60px 28px 0;color:var(--ink-2);max-width:40em}
.faq details p+p{margin-top:-12px}

/* about */
.about{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:clamp(28px,5vw,72px);align-items:start}
.about p+p{margin-top:1em}
.about__card{border-radius:22px;padding:32px;background:var(--bg-2)}
.about__card h3{margin-bottom:.6em}
.about__card p{color:var(--ink-2)}
@media (max-width:860px){.about{grid-template-columns:minmax(0,1fr)}}

/* the band: every page ends by pointing at the next step */
.band{background:var(--navy);color:#fff;padding:clamp(64px,8vw,104px) 0}
.band__in{display:flex;align-items:center;justify-content:space-between;gap:32px 48px;flex-wrap:wrap}
.band h2{font-size:clamp(2.4rem,5.4vw,4.4rem)}
.band h2 em{font-style:normal;color:var(--gold)}
.band p{margin-top:.5em;color:#B8C4D6;font-size:1.3rem}
.band .go__sub{color:#B8C4D6;margin-top:0;font-size:1.02rem}

/* footer */
.foot{--logo-bg:#081729;background:#081729;color:#9FB0C6;padding:56px 0 110px;font-size:.92rem;line-height:1.55}
.foot .brand{color:#fff;margin-bottom:22px}
.foot p{max-width:72em;margin-bottom:1em}
.foot nav{display:flex;flex-wrap:wrap;gap:8px 26px;margin:22px 0;font-weight:600;font-size:1rem}
.foot a{color:#fff}

/* mobile dock */
.dock{position:fixed;inset:auto 0 0 0;z-index:40;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.96);box-shadow:0 -1px 0 var(--rule);transform:translateY(110%);transition:transform .3s}
.dock.is-up{transform:none}
.dock .btn{width:100%;min-height:60px}
@media (min-width:861px){.dock{display:none}}
@media (max-width:860px){html{scroll-padding-bottom:88px}}

/* ===== quiz ===== */
.qz{min-height:100vh;min-height:100svh;display:flex;flex-direction:column;background:var(--bg-2)}
.qz__bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px var(--pad);background:#fff}
.qz__time{font:700 .95rem/1 var(--body);color:var(--ink-2)}
.qz__prog{height:8px;background:rgba(11,31,58,.1)}
.qz__prog i{display:block;height:100%;width:100%;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .4s cubic-bezier(.2,.7,.2,1)}
.qz__main{flex:1;display:grid;place-items:center;padding:clamp(24px,5vw,56px) var(--pad) 40px}
.qz__card{width:min(720px,100%);animation:qIn .45s cubic-bezier(.2,.7,.2,1) both}
.qz__card--wide{width:min(1020px,100%)}
@keyframes qIn{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
.calm .qz__card{animation:none}
.qz__count{font:700 .95rem/1 var(--body);color:var(--ink-2);margin-bottom:16px}
.qz h1{font-size:clamp(2.3rem,5.6vw,3.7rem);margin-bottom:.4em}
.qz__help{color:var(--ink-2);margin-bottom:1.3em;max-width:30em}
.opts{display:grid;gap:12px;grid-template-columns:1fr 1fr}
.opts--one{grid-template-columns:1fr}
@media (max-width:620px){.opts{grid-template-columns:1fr}}
.opt{min-height:76px;padding:14px 24px;border:2px solid rgba(11,31,58,.22);border-radius:18px;background:#fff;color:var(--ink);font:700 1.3rem/1.25 var(--body);text-align:left;cursor:pointer;transition:border-color .15s,background-color .15s,transform .15s}
.opt:hover{border-color:var(--navy);transform:translateY(-2px)}
.opt.is-on{background:var(--navy);border-color:var(--navy);color:#fff}
.qz__big{display:flex;align-items:baseline;gap:.35em;font:800 clamp(3.2rem,11vw,5rem)/1 var(--display);font-stretch:86%;letter-spacing:-.03em;margin:6px 0 4px;font-variant-numeric:tabular-nums}
.qz__big small{font:600 1.15rem/1 var(--body);letter-spacing:0;color:var(--ink-2)}
.qz__nav{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:32px}
.qz__back{background:none;border:0;padding:12px 4px;font:700 1.1rem/1 var(--body);color:var(--ink-2);cursor:pointer;text-decoration:underline;text-underline-offset:.25em}
.qz__side{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.pill{min-height:50px;padding:0 18px;border-radius:25px;border:2px solid rgba(11,31,58,.25);background:#fff;font:700 1.02rem/1 var(--body);color:var(--ink);cursor:pointer}
.pill:hover{border-color:var(--navy)}
.pill.is-on{background:var(--navy);border-color:var(--navy);color:#fff}
.txt{width:100%;min-height:72px;padding:0 22px;border:2px solid rgba(11,31,58,.25);border-radius:18px;background:#fff;font:600 1.4rem/1 var(--body);color:var(--ink)}
.txt:focus{border-color:var(--navy)}
.txt::placeholder{color:#8A97AA;font-weight:400}
select.txt{appearance:auto;background-color:#fff;color:var(--ink)}
.frm{display:grid;gap:18px}
.frm label{display:grid;gap:8px;font-weight:700}
.frm label span small{font-weight:400;color:var(--ink-2)}
.consent{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start;font-size:.92rem;line-height:1.45;color:var(--ink-2);font-weight:400}
.consent input{width:30px;height:30px;margin:2px 0 0;accent-color:var(--navy)}
.err{color:var(--red);font-weight:700;font-size:1.05rem;min-height:1.4em}
.hp{position:absolute;left:-9999px}
.res{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(24px,4vw,56px);align-items:start}
@media (max-width:860px){.res{grid-template-columns:minmax(0,1fr)}}
.res h1 em{font-style:normal;white-space:nowrap;background:linear-gradient(transparent 62%,var(--gold) 62%)}
.res__why{margin:.1em 0 1.2em;color:var(--ink-2)}
.res__next{margin-top:24px;padding:28px;border-radius:22px;background:var(--navy);color:#fff}
.res__next h2{font-size:1.9rem;margin-bottom:.4em}
.res__next p{color:#C3CEDD;margin-bottom:1.1em}
.qz__fine{padding:0 var(--pad) 28px;font-size:.82rem;line-height:1.5;color:var(--ink-2);max-width:1020px;margin:0 auto;text-align:center}

/* legal pages */
.legal{padding:clamp(48px,7vw,80px) 0 80px}
.legal .wrap{max-width:800px}
.legal h1{font-size:clamp(2.4rem,5vw,3.6rem);margin-bottom:.5em}
.legal h2{font-size:1.6rem;margin:1.8em 0 .5em}
.legal p,.legal li{color:var(--ink-2);font-size:1.1rem}
.legal p{margin-bottom:1em}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* options when the full gap is out of reach */
.split__opts{margin:0;padding:0;list-style:none;display:grid;gap:12px;counter-reset:o}
.split__opts li{counter-increment:o;position:relative;padding:18px 20px 18px 66px;border-radius:16px;background:var(--bg-2);font-size:1.12rem;line-height:1.4}
.split__opts li::before{content:counter(o);position:absolute;left:18px;top:18px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:800 1.05rem/1 var(--display)}
.qz .split__opts li{background:#fff}

:root{--hdr-h:80px}
@media (max-width:920px){:root{--hdr-h:68px}}

/* handwritten asides */
.hand{font-family:var(--hand);font-weight:700;color:var(--gold-d);line-height:1}

/* a real photo with a line over it */
.photo{position:relative;border-radius:28px;overflow:hidden;min-height:clamp(380px,46vw,560px);display:flex;align-items:flex-end;background:#3b2a12}
.photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 28%}
.photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 38%,rgba(11,31,58,.85))}
.photo__in{position:relative;z-index:1;padding:clamp(24px,4vw,56px);color:#fff;display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:24px 40px;width:100%}
.photo__in h2{max-width:11em}
.photo__in p{color:#E5EAF2;margin-top:.4em;font-size:1.3rem}

/* a note from the brothers */
.note{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(28px,5vw,72px);align-items:center}
.note__pic{aspect-ratio:4/3;border-radius:28px;background:var(--bg-2);display:grid;place-items:center;text-align:center;padding:24px;box-shadow:inset 0 0 0 2px var(--rule)}
.note__pic .mark{width:128px;height:112px;margin:0 auto 14px}
.note__body p{font-size:clamp(1.3rem,2vw,1.6rem);line-height:1.45}
.note__body p+p{margin-top:.8em}
.note__body .note__sign{font:700 2.8rem/1 var(--hand);color:var(--pen);margin-top:.5em;transform:rotate(-2deg);display:inline-block}
@media (max-width:860px){.note{grid-template-columns:minmax(0,1fr)}}

/* ===== home hero: the check is the form ===== */
.hero{padding:clamp(24px,4vh,52px) 0 clamp(52px,7vw,96px);background:radial-gradient(120% 60% at 50% 112%,var(--bg-2),#fff 70%)}
.hero .wrap{width:min(1280px,100% - 2*var(--pad))}
.hero h1{font-size:clamp(3.3rem,8.4vw,7.2rem)}
.hero__sub{font-size:clamp(1.25rem,2vw,1.7rem);color:var(--ink-2);margin:.3em 0 1em}
.chk--form{aspect-ratio:auto}
.chk--form .chk__paper{position:relative;padding:clamp(22px,4cqw,54px) clamp(20px,5cqw,64px) clamp(34px,4.6cqw,62px);gap:clamp(16px,2.6cqw,34px)}
.chk--form .chk__lbl{font-size:clamp(.74rem,1.2cqw,.95rem)}
.chk--form .chk__brand{font-size:clamp(1.15rem,2.2cqw,1.9rem)}
.chk--form .chk__when .chk__w{font-size:clamp(1.5rem,3.2cqw,2.7rem)}
.chk--form .chk__to{margin-top:0;cursor:text}
.chk__in{flex:1;min-width:0;width:100%;border:0;border-radius:0;background:transparent;padding:0;margin:0;font:700 clamp(2rem,4.6cqw,3.7rem)/1.05 var(--hand);color:var(--pen);caret-color:var(--pen)}
.chk__in::placeholder{color:rgba(11,31,58,.26)}
.chk__in:focus,.chk__in:focus-visible{outline:0}
.chk__to:focus-within,.chk__money:focus-within{border-bottom-color:var(--pen);box-shadow:0 3px 0 var(--pen)}
.chk__nums{display:grid;grid-template-columns:1fr 1fr;gap:clamp(16px,4cqw,56px)}
.chk__num{display:grid;gap:8px;cursor:text}
.chk__money{display:flex;align-items:baseline;gap:.35em;border-bottom:1px solid rgba(11,31,58,.3);padding-bottom:.2em}
.chk__money i{font:700 clamp(1.7rem,3.8cqw,3rem)/1 var(--hand);font-style:normal;color:var(--pen)}
.chk__money small{font:600 clamp(.85rem,1.4cqw,1.1rem)/1 var(--body);color:var(--ink-2);white-space:nowrap}
.chk--form .chk__amt{margin-top:0;min-height:clamp(70px,13cqw,170px);align-items:center}
.chk--form .chk__amt .chk__w{align-items:center}
.chk--form .chk__amt b{font-size:clamp(4.4rem,15cqw,12rem);line-height:.8}
.chk--form .chk__amt i{font-size:clamp(2.2rem,7cqw,5.6rem);margin:0 .12em 0 0}
.chk--form .chk__amt small{font-size:clamp(.95rem,1.9cqw,1.5rem);margin:0 0 0 .4em;align-self:flex-end;padding-bottom:1.2cqw}
.chk--form .chk__amt .is-ask b{font-size:clamp(2rem,6.2cqw,5rem);line-height:1;color:rgba(11,31,58,.3);letter-spacing:0}
.chk--form .chk__amt .is-ask i{font-size:clamp(2rem,6.2cqw,5rem)}
.chk--form .chk__foot{align-items:center;margin-top:0}
.chk--form .chk__memo .chk__w{font-size:clamp(1.3rem,2.7cqw,2.2rem)}
.chk--form .chk__micro{bottom:clamp(9px,1.5cqw,18px);font-size:clamp(.56rem,.9cqw,.72rem)}
@container (max-width:700px){
  .chk__nums{grid-template-columns:1fr}
  .chk--form .chk__foot{flex-direction:column;align-items:stretch}
  .chk--form .chk__memo,.chk--form .chk__when .chk__lbl{display:none}
  .chk--form .chk__when{min-width:0;border:0;padding:0}
}

/* ===== the check writes itself (plays when it scrolls into view) ===== */
.demo{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(28px,5vw,80px);align-items:center}
.demo__lines{display:grid;gap:.18em}
.demo__lines h2{font-size:clamp(2.5rem,5.2vw,4.6rem);opacity:.2;transition:opacity .5s}
.demo__lines h2.on{opacity:1}
.demo__fine{margin-top:1.2em;font-size:.95rem;color:var(--ink-2)}
.calm .demo__lines h2{opacity:1}
@media (max-width:860px){.demo{grid-template-columns:minmax(0,1fr)}}

/* home check: the collect button sits bottom left, the signature bottom right */
.chk--form .chk__foot{justify-content:space-between;gap:clamp(16px,4cqw,56px)}
.chk--form .chk__sigbox{flex:0 0 clamp(150px,30cqw,380px);padding-bottom:.1em}
.chk--form .chk__sig{font-size:clamp(2.4rem,6.4cqw,5.2rem)}
@container (max-width:700px){.chk--form .chk__sigbox{display:none}}

/* fit the whole check, button included, on the first screen */
.hero{padding-top:clamp(16px,2.6vh,36px)}
.hero .wrap{width:min(1280px,100% - 2*var(--pad),max(620px,(100svh - 300px)*2.2))}
.hero h1{font-size:clamp(3.2rem,7vw,6rem)}
.hero__sub{margin:.25em 0 .7em;font-size:clamp(1.2rem,1.8vw,1.5rem)}
.chk--form .chk__paper{padding:clamp(20px,3.2cqw,44px) clamp(20px,4.6cqw,60px) clamp(32px,3.8cqw,52px);gap:clamp(12px,1.9cqw,26px)}
.chk--form .chk__amt{min-height:clamp(64px,10cqw,130px)}
.chk--form .chk__amt b{font-size:clamp(4.2rem,12cqw,9.6rem)}
.chk--form .chk__amt i{font-size:clamp(2.2rem,6cqw,4.8rem)}
.chk--form .chk__amt .is-ask b,.chk--form .chk__amt .is-ask i{font-size:clamp(2rem,5.4cqw,4.4rem)}
@media (max-width:860px){.hero .wrap{width:min(1280px,100% - 2*var(--pad))}}
@container (max-width:700px){
  .chk--form .chk__brand{white-space:nowrap;font-size:1.05rem}
  .chk--form .chk__when .chk__w{font-size:1.35rem}
  .chk--form .chk__amt small{white-space:nowrap}
  .chk--form .chk__amt .is-ask + small{display:none}
}

/* blue on navy needs the lighter blue to stay readable */
.band h2 em{color:var(--gold-lt)}
.res h1 em{background:linear-gradient(transparent 62%,#BBD4FF 62%)}

/* the check sits dead center of the first screen, headline centered above it */
.hero{min-height:calc(100svh - var(--hdr-h,80px));display:flex;align-items:center;padding:clamp(16px,2.6vh,36px) 0}
.hero .wrap{width:min(1280px,100% - 2*var(--pad),max(620px,(100svh - 270px)*2.2))}
.hero h1{text-align:center;margin-bottom:.3em}
@media (max-width:860px){.hero{min-height:0;display:block;padding-bottom:48px}.hero .wrap{width:min(1280px,100% - 2*var(--pad))}}

/* hero: the three promises sit under the headline and light up as the pen writes them on the check */
.hero h1{margin-bottom:.1em}
.hero__tag{display:flex;justify-content:center;flex-wrap:wrap;gap:.05em .7em;margin:0 0 .65em;font:800 clamp(1.5rem,3vw,2.5rem)/1.15 var(--display);font-stretch:88%;letter-spacing:-.02em;color:var(--gold-d)}
.hero__tag.is-anim span{opacity:.2;transition:opacity .5s}
.hero__tag.is-anim span.on{opacity:1}
.hero__fine{text-align:center;margin-top:14px;font-size:.92rem;color:var(--ink-2)}
.hero .wrap{width:min(1280px,100% - 2*var(--pad),max(620px,(100svh - 365px)*2.2))}
@media (max-width:860px){.hero .wrap{width:min(1280px,100% - 2*var(--pad))}}
.chk--form .chk__foot{align-items:flex-end}
.chk--form .chk__foot .chk__memo{flex:1;min-width:0;margin-bottom:.35em}
.chk--form .chk__sigbox{flex:0 0 clamp(150px,24cqw,300px);margin-bottom:.35em}
.chk--form .chk__pen{--ps:clamp(40px,5cqw,62px);width:var(--ps);height:var(--ps);margin:calc(var(--ps)*-.955) 0 0 calc(var(--ps)*-.05)}

/* ===== home: the line of checks running to the horizon ===== */
.fan{position:relative;height:270vh}
.fan__stage{position:sticky;top:var(--hdr-h,80px);height:calc(100vh - var(--hdr-h,80px));height:calc(100svh - var(--hdr-h,80px));overflow:hidden;background:linear-gradient(180deg,#fff 0,var(--bg-2) 100%)}
.fan__head{position:absolute;left:0;right:0;top:clamp(20px,5vh,56px);text-align:center;z-index:2;font-size:clamp(2.6rem,5.6vw,4.8rem);padding:0 var(--pad)}
.fan__glow{position:absolute;left:50%;top:26%;width:120vmin;height:120vmin;transform:translate(-50%,-50%);border-radius:50%;opacity:0;pointer-events:none;
  background:radial-gradient(circle,rgba(31,111,235,.2) 0,rgba(31,111,235,.09) 30%,transparent 62%)}
.fan__rig{position:absolute;left:50%;top:64%;width:min(640px,88vw);aspect-ratio:2.2/1;transform:translate(-50%,-50%);perspective:1500px;perspective-origin:50% -150%}
.fan__card{position:absolute;inset:0;will-change:transform,opacity;transform-origin:50% 60%}
@media (max-width:860px){.fan{height:240vh}.fan__rig{top:66%}}
.calm .fan{height:auto}
.calm .fan__stage{position:relative;top:auto;height:auto;overflow:visible;padding:64px 0 72px}
.calm .fan__head{position:static;margin-bottom:32px}
.calm .fan__rig{position:relative;left:auto;top:auto;transform:none;margin:0 auto;perspective:none}
.calm .fan__card{position:relative}
.calm .fan__glow{display:none}
/* the far checks fade into the horizon behind the headline */
.fan__stage::before{content:"";position:absolute;left:0;right:0;top:0;height:38%;z-index:1;pointer-events:none;background:linear-gradient(180deg,#fff 0,#fff 42%,rgba(255,255,255,0) 100%)}
.calm .fan__stage::before{display:none}
/* a step line that must stay on one line: it shrinks with its card instead of wrapping */
.steps li{container-type:inline-size}
.steps .one-line{white-space:nowrap;font-size:min(1.25rem,6.7cqw)}
/* centered page header and question list */
.phead--center{text-align:center}
.phead--center h1,.phead--center .lede{margin-inline:auto}
.faq{margin-inline:auto}
/* calculator: short header, sliders start right under it */
.phead--tight{padding:clamp(24px,3.2vw,40px) 0 clamp(18px,2.4vw,28px)}
.phead--tight h1{font-size:clamp(2.3rem,4.4vw,3.4rem)}
.phead--tight p{margin-top:.3em}
.sec--up{padding-top:clamp(20px,2.6vw,32px)}
/* a photo used as the page header */
.photo--top{min-height:clamp(340px,40vw,480px)}
.photo__in h1{font-size:clamp(2.7rem,5.8vw,4.6rem);max-width:11em}
@media (max-width:620px){
  /* on phones the faces sit on top and the words sit below them, never over them */
  .photo--top{min-height:480px;background:var(--navy)}
  .photo--top img{height:64%}
  .photo--top::after{background:linear-gradient(180deg,rgba(11,37,69,0) 34%,var(--navy) 64%)}
}

/* ===== quiz: a photo behind each question ===== */
.qz__body{flex:1;position:relative;display:flex;flex-direction:column}
.qz__body .qz__main{position:relative;z-index:1}
.qz__photo{display:none;position:absolute;top:0;right:0;bottom:0;width:60%;background-size:cover;background-repeat:no-repeat;opacity:0;transition:opacity .5s}
.qz__photo::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--bg-2) 0,rgba(243,246,251,.72) 18%,rgba(243,246,251,0) 52%)}
.qz__body.has-photo .qz__photo{display:block}
.qz__body.has-photo .qz__main{place-items:center start;padding-left:max(var(--pad),5.5vw)}
.qz__body.has-photo .qz__card{width:min(600px,44vw)}
.qz__body.has-photo .qz h1,.qz__body.has-photo h1{font-size:clamp(2.2rem,4.2vw,3.4rem)}
@media (max-width:860px){
  /* phones: the photo is a band on top, the question sits below it */
  .qz__body.has-photo .qz__photo{position:relative;width:100%;height:clamp(170px,27svh,250px);flex:none}
  .qz__photo::after{background:linear-gradient(180deg,rgba(243,246,251,0) 55%,var(--bg-2) 100%)}
  .qz__body.has-photo .qz__main{place-items:start center;padding:8px var(--pad) 36px}
  .qz__body.has-photo .qz__card{width:100%}
}

/* the insurance companies we broker with */
.firms{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:clamp(14px,2vw,22px)}
.firms li{min-height:120px;display:grid;place-items:center;text-align:center;padding:20px;border-radius:20px;background:#fff;box-shadow:0 0 0 1px var(--rule);font:800 1.35rem/1.15 var(--display);font-stretch:88%;letter-spacing:-.01em}
.firms li.firms__empty{background:transparent;box-shadow:none;border:2px dashed rgba(11,31,58,.25);font:600 1rem/1.3 var(--body);letter-spacing:0}
/* a section that sits closer to the page header above it */
.sec--near{padding-top:clamp(36px,4.4vw,60px)}