:root{--ink:#17212b;--muted:#66737f;--line:#dfe5ea;--soft:#f6f8fa;--accent:#0b5ea8;--danger:#9b1c1c;--ok:#116b43;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.45}.wrap{max-width:980px;margin:0 auto;padding:0 20px}.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}.header-inner{height:72px;display:flex;align-items:center;justify-content:space-between}.brand{font-size:27px;font-weight:800;text-decoration:none;color:var(--ink);letter-spacing:-.6px}.brand span{font-weight:500}.header-meta{font-size:14px;color:var(--muted)}main{padding-top:38px;padding-bottom:60px}h1{font-size:34px;line-height:1.15;margin:0 0 12px}h2{font-size:22px;margin:26px 0 12px}h3{font-size:17px;margin:18px 0 8px}.lede{font-size:18px;color:#40505e;max-width:720px}.card{border:1px solid var(--line);border-radius:12px;padding:24px;background:#fff;margin:20px 0}.soft{background:var(--soft)}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.full{grid-column:1/-1}label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}input,select,textarea{width:100%;padding:11px 12px;border:1px solid #bfc8d0;border-radius:7px;font:inherit;background:#fff}input:focus,select:focus,textarea:focus{outline:2px solid #a9d2f3;border-color:var(--accent)}textarea{min-height:90px}.checkbox{display:flex;gap:10px;align-items:flex-start}.checkbox input{width:auto;margin-top:4px}.btn{display:inline-block;border:0;border-radius:8px;padding:12px 18px;font-weight:700;text-decoration:none;cursor:pointer;background:var(--accent);color:#fff}.btn.secondary{background:#eef2f5;color:var(--ink);border:1px solid var(--line)}.btn.danger{background:var(--danger)}.button-row{display:flex;gap:10px;align-items:center;justify-content:space-between;margin-top:24px}.muted{color:var(--muted);font-size:14px}.notice{padding:13px 15px;background:#edf7f2;border:1px solid #b5dfca;border-radius:8px;margin:0 0 18px}.error{padding:13px 15px;background:#fff2f2;border:1px solid #e5b4b4;border-radius:8px;color:#7e1717;margin:0 0 18px}.error ul{margin-bottom:0}.progress{height:9px;background:#e7edf2;border-radius:999px;overflow:hidden;margin:10px 0 6px}.progress>span{display:block;height:100%;background:var(--accent)}.stepbar{display:flex;justify-content:space-between;gap:10px;align-items:center;margin-bottom:24px}.stepbar strong{font-size:15px}.secure-badge{display:inline-flex;gap:7px;align-items:center;background:#eef7ff;color:#124d78;padding:7px 10px;border-radius:999px;font-size:13px;font-weight:700}.summary-table{width:100%;border-collapse:collapse}.summary-table th,.summary-table td{padding:10px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.summary-table th{font-size:13px;color:var(--muted)}.status{display:inline-block;padding:4px 8px;border-radius:999px;background:#eef2f5;font-size:12px;font-weight:700}.status.submitted{background:#e8f6ef;color:#0c613a}.status.draft{background:#fff6dc;color:#7b5a00}.admin-nav{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px}.admin-nav a{font-weight:700}.sensitive{font-family:monospace;background:#f8f8f8;padding:2px 5px;border-radius:4px}.callout{border-left:4px solid var(--accent);padding:12px 16px;background:#f4f9fd;margin:18px 0}.danger-callout{border-left-color:var(--danger);background:#fff5f5}.row-actions{display:flex;gap:8px;flex-wrap:wrap}.small{font-size:13px}.right{text-align:right}footer{border-top:1px solid var(--line);background:var(--soft);padding:26px 0;color:var(--muted);font-size:13px}.hidden{display:none}.repeat-row{display:grid;grid-template-columns:1.2fr 1.5fr .7fr 1fr auto;gap:10px;margin-bottom:9px;align-items:end}.repeat-row.liability{grid-template-columns:1.2fr 1.5fr 1fr 1fr auto}.remove-row{width:auto;padding:10px 12px;background:#fff;border:1px solid var(--line);border-radius:7px;cursor:pointer}
@media(max-width:700px){.grid,.grid-3{grid-template-columns:1fr}.header-meta{display:none}.repeat-row,.repeat-row.liability{grid-template-columns:1fr 1fr}.repeat-row .remove-row{grid-column:2}.button-row{align-items:stretch;flex-direction:column-reverse}.button-row .btn{width:100%;text-align:center}h1{font-size:29px}.card{padding:18px}}

/* Guided interview v3 */
.guided-stepbar{align-items:flex-start}.guided-progress-copy{flex:1;max-width:640px}.guided-tip{background:#f7fbff;border:1px solid #cfe4f5;border-radius:12px;padding:14px 16px;margin:0 0 22px;color:#27495f}.guided-form{max-width:780px;margin:0 auto}.interview-panel{border:1px solid var(--line);border-radius:18px;padding:30px;background:#fff;box-shadow:0 10px 30px rgba(23,33,43,.06);margin:20px 0}.interview-panel[hidden]{display:none!important}.question-eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:11px;font-weight:800;color:var(--accent);margin-bottom:7px}.interview-panel h2{font-size:29px;line-height:1.18;margin:0 0 8px}.question-prompt{font-size:17px;color:#536474;margin:0 0 24px;max-width:650px}.interview-grid{gap:18px}.interview-field label{font-size:15px}.interview-field input,.interview-field select,.interview-field textarea{padding:14px 14px;font-size:17px;border-radius:10px}.guided-nav{display:grid;grid-template-columns:auto 1fr auto auto;align-items:center;gap:10px;max-width:780px;margin:18px auto 6px}.save-state{text-align:center;color:var(--muted);font-size:13px}.guided-submit-note{max-width:780px;margin:18px auto}.guided-section-nav{display:flex;justify-content:space-between;max-width:780px;margin:20px auto 0;font-size:14px}.guided-section-nav a{color:var(--accent);font-weight:700;text-decoration:none}.guided-form .full{grid-column:1/-1}
@media(max-width:700px){.interview-panel{padding:22px 18px;border-radius:14px}.interview-panel h2{font-size:25px}.question-prompt{font-size:16px}.guided-nav{grid-template-columns:1fr 1fr}.guided-nav .save-state{grid-column:1/-1;grid-row:1;text-align:left}.guided-nav #guidedBack{grid-column:1}.guided-nav #guidedNext,.guided-nav #guidedFinish{grid-column:2}.guided-tip{font-size:14px}}

/* Guided interview visual refresh v3.6 */
body{background:linear-gradient(180deg,#f7fbff 0,#fff 420px);color:#142333}
.site-header{background:rgba(255,255,255,.96);backdrop-filter:saturate(160%) blur(10px);box-shadow:0 1px 0 rgba(19,48,73,.06)}
.brand{color:#102a43}.brand span{color:#0b6fb8}.header-meta{color:#52708a;font-weight:600}.wrap{max-width:1040px}
.guided-stepbar{background:#fff;border:1px solid #d9e7f2;border-radius:16px;padding:16px 18px;box-shadow:0 8px 24px rgba(22,65,101,.05)}
.guided-progress-copy strong{color:#173b57}.progress{height:10px;background:#e5eef5}.progress>span{background:linear-gradient(90deg,#0b63a9,#18a6a1);transition:width .3s ease}
.section-intro{text-align:center;max-width:760px;margin:30px auto 18px}.section-kicker{display:inline-block;color:#0b6fae;background:#eaf6ff;border:1px solid #cce8fa;border-radius:999px;padding:5px 10px;font-size:12px;font-weight:800;letter-spacing:.04em;text-transform:uppercase;margin-bottom:10px}.section-intro h1,.review-hero h1{font-size:40px;color:#102a43;letter-spacing:-.03em}.section-intro .lede,.review-hero .lede{margin-left:auto;margin-right:auto;color:#4e6477}
.guided-tip{max-width:780px;margin:0 auto 24px;display:flex;gap:12px;align-items:flex-start;background:linear-gradient(135deg,#eef8ff,#f1fbf8);border-color:#c8e4ee;color:#274b61;box-shadow:0 8px 22px rgba(31,96,123,.05)}.tip-icon{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:#148b86;color:#fff;font-weight:900;flex:0 0 auto}
.interview-panel{border:1px solid #d8e6f0;border-radius:22px;padding:34px;background:linear-gradient(180deg,#fff 0,#fbfdff 100%);box-shadow:0 18px 50px rgba(20,62,96,.09);position:relative;overflow:visible}.interview-panel:before{content:"";position:absolute;inset:0 auto 0 0;width:5px;border-radius:22px 0 0 22px;background:linear-gradient(180deg,#0b6fb8,#19a79f)}
.question-eyebrow{display:flex;align-items:center;gap:8px;color:#0b6fae;margin-bottom:10px}.question-eyebrow span{display:grid;place-items:center;width:25px;height:25px;border-radius:50%;background:#0b6fae;color:#fff;font-size:12px}.interview-panel h2{font-size:31px;color:#102a43;letter-spacing:-.025em}.question-prompt{color:#607486;line-height:1.55}
.interview-grid{gap:20px}.interview-field label,.choice-field legend{font-size:14px;color:#24475f;font-weight:800;margin-bottom:8px}.choice-field{border:0;padding:0;margin:0;min-width:0}.choice-field legend{padding:0}.choice-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.choice-card{position:relative;display:flex;align-items:center;gap:12px;min-height:58px;padding:14px 16px;border:1.5px solid #c9d8e4;background:#fff;border-radius:14px;cursor:pointer;transition:.16s ease;font-size:16px;font-weight:700;color:#28485f;margin:0}.choice-card:hover{border-color:#79b9dd;box-shadow:0 5px 16px rgba(26,103,151,.08);transform:translateY(-1px)}.choice-card.selected{border-color:#0b78b8;background:#eef8ff;box-shadow:0 0 0 3px rgba(11,120,184,.09)}.choice-card input{position:absolute;opacity:0;pointer-events:none}.choice-dot{width:20px;height:20px;border-radius:50%;border:2px solid #8ca8ba;background:#fff;flex:0 0 auto;box-shadow:inset 0 0 0 4px #fff}.choice-card.selected .choice-dot{border-color:#0b78b8;background:#0b78b8}.choice-copy{line-height:1.25}
.interview-field input,.interview-field select,.interview-field textarea{border:1.5px solid #c7d6e2;background:#fff;box-shadow:0 1px 2px rgba(26,55,78,.03);transition:border-color .15s,box-shadow .15s,background .15s}.interview-field input:hover,.interview-field select:hover,.interview-field textarea:hover{border-color:#9eb9cc}.interview-field input:focus,.interview-field select:focus,.interview-field textarea:focus{outline:none;border-color:#0b78b8;box-shadow:0 0 0 4px rgba(11,120,184,.11);background:#fff}.field-help{font-size:12px;color:#718697;margin-top:6px}.state-field select{text-transform:none}
.guided-nav{position:sticky;bottom:10px;z-index:8;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border:1px solid #d8e6f0;border-radius:16px;padding:10px;box-shadow:0 12px 35px rgba(20,62,96,.12)}.guided-nav .btn{min-width:118px}.btn{background:linear-gradient(135deg,#0b67ad,#0879bd);box-shadow:0 6px 16px rgba(11,103,173,.18);transition:transform .12s,box-shadow .12s,filter .12s}.btn:hover{transform:translateY(-1px);box-shadow:0 8px 19px rgba(11,103,173,.23);filter:saturate(1.08)}.btn.secondary{box-shadow:none;background:#f1f5f8;border-color:#d6e0e8}.btn.secondary:hover{box-shadow:0 5px 14px rgba(35,71,96,.08)}.btn:disabled{opacity:.48;cursor:not-allowed;transform:none;box-shadow:none}.save-state{display:flex;align-items:center;justify-content:center;gap:6px}.save-dot{width:8px;height:8px;border-radius:50%;background:#2d9d6f;display:inline-block}.save-state.saving .save-dot{background:#d9a21b}.save-state.dirty .save-dot{background:#cf8a18}.save-state.error .save-dot{background:#c94343}
.review-note{border-left-color:#148b86;background:#effaf8}.guided-submit-note{border:1px solid #cde6df;border-left:5px solid #148b86;border-radius:12px}
.review-hero{text-align:center;max-width:760px;margin:0 auto 24px}.review-card{max-width:820px;margin:0 auto 30px;border-radius:20px;border-color:#d7e5ef;box-shadow:0 18px 50px rgba(20,62,96,.08)}.review-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.review-item{padding:15px 16px;border:1px solid #e0eaf1;border-radius:12px;background:#fbfdff}.review-item span{display:block;text-transform:uppercase;letter-spacing:.04em;font-size:11px;color:#708494;font-weight:800;margin-bottom:5px}.review-item strong{font-size:16px;color:#173b57}.review-actions{margin-top:22px}.submit-final{padding-left:24px;padding-right:24px}
.address-search-block{display:block;margin:0 0 18px;padding:16px;border:1px solid #cfe3f1;border-radius:14px;background:linear-gradient(135deg,#f3faff,#f6fcfa)}.address-search-title{display:block;font-size:14px!important;color:#173b57!important;font-weight:900!important;margin-bottom:8px!important}.address-lookup-wrap{position:relative}.address-lookup-input{width:100%;min-height:52px;border:1.5px solid #b9ccda!important;border-radius:12px!important;background:#fff!important;padding:12px 14px!important;font-size:16px!important;color:#173b57!important}.address-lookup-input:focus{outline:none!important;border-color:#0b78b8!important;box-shadow:0 0 0 4px rgba(11,120,184,.11)!important}.address-suggestions{position:absolute;left:0;right:0;top:calc(100% + 5px);z-index:60;background:#fff;border:1px solid #c8d9e5;border-radius:12px;box-shadow:0 14px 32px rgba(20,62,96,.16);overflow:hidden;max-height:310px;overflow-y:auto}.address-suggestion{display:block;width:100%;border:0;border-bottom:1px solid #e5edf3;background:#fff;color:#173b57;text-align:left;padding:13px 14px;font:inherit;font-size:14px;line-height:1.35;cursor:pointer}.address-suggestion:last-child{border-bottom:0}.address-suggestion:hover,.address-suggestion:focus{background:#eef8ff;outline:none}.address-search-copy{font-size:12px;color:#667f91;line-height:1.45;margin-top:8px}.address-status-error{color:#9a4d1a}.interview-field[data-address-field]>label[for]{margin-top:2px}
footer{background:#f3f7fa;border-top-color:#d9e5ed}
@media(max-width:700px){body{background:linear-gradient(180deg,#f6fbff 0,#fff 300px)}.guided-stepbar{border-radius:12px;padding:13px}.section-intro{margin-top:22px}.section-intro h1,.review-hero h1{font-size:33px}.interview-panel{padding:26px 18px 24px;border-radius:17px}.interview-panel h2{font-size:27px}.choice-grid{grid-template-columns:1fr}.choice-card{min-height:54px}.guided-nav{bottom:6px}.guided-nav .btn{min-width:0}.review-grid{grid-template-columns:1fr}.address-search-block{padding:14px}}