:root{
  --navy:#0B1F3A;--navy-2:#13294B;--ink:#14213D;--gold:#C9A45C;--gold-2:#E3C887;--cream:#F6F3EC;--paper:#FFFFFF;
  --muted:#5B6476;--line:#E4DED1;--good:#1F7A5A;--good-bg:#E7F4EE;--warn:#9A5B00;--warn-bg:#FFF4E0;--bad:#B42318;--bad-bg:#FDECEA;
  --radius:16px;--shadow:0 1px 2px rgba(11,31,58,.06),0 12px 32px rgba(11,31,58,.08);
  --serif:"Fraunces",Georgia,serif;--sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html,body{margin:0}
body{font-family:var(--sans);color:var(--ink);background:var(--cream);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);font-weight:600;color:var(--navy);letter-spacing:-.01em;line-height:1.15;margin:0 0 .4em}
h1{font-size:clamp(30px,5vw,46px)}h2{font-size:clamp(24px,3.4vw,32px)}h3{font-size:20px}
p{margin:0 0 1em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}

/* top bar */
.bar{background:var(--navy);color:#fff}
.bar .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.brand-mark{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--gold),var(--gold-2));display:grid;place-items:center;color:var(--navy);font-family:var(--serif);font-weight:700}
.brand-name{font-family:var(--serif);font-size:19px;letter-spacing:.02em}
.brand-sub{display:block;font-family:var(--sans);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2)}
.bar nav a{color:#D9DEE8;text-decoration:none;font-size:14px;margin-left:20px}
.bar nav a:hover{color:#fff}
.secure-pill{display:inline-flex;align-items:center;gap:6px;font-size:12px;color:#CFE8DC;background:rgba(31,122,90,.25);border:1px solid rgba(207,232,220,.25);padding:5px 10px;border-radius:99px}

/* hero band */
.band{background:radial-gradient(1200px 400px at 80% -10%,rgba(201,164,92,.25),transparent 60%),linear-gradient(180deg,var(--navy),var(--navy-2));color:#fff;padding:48px 0 88px}
.band h1{color:#fff}
.band p.lead{color:#CBD3E1;font-size:18px;max-width:640px}
.eyebrow{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-2);font-weight:600;margin-bottom:10px}
.lift{margin-top:-56px}

/* cards */
.card{background:var(--paper);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;border:1px solid rgba(228,222,209,.6)}
.card+.card{margin-top:18px}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media(max-width:860px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.g2,.g3,.g4{grid-template-columns:1fr}.card{padding:20px}.bar nav{display:none}}

/* stats */
.stat{padding:20px;border-radius:14px;background:var(--cream);border:1px solid var(--line)}
.stat .k{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600}
.stat .v{font-family:var(--serif);font-size:30px;color:var(--navy);margin-top:4px}
.stat .s{font-size:13px;color:var(--muted)}
.stat.gold{background:linear-gradient(135deg,#FBF4E4,#F3E6C4);border-color:#EAD9AE}

/* forms */
label{display:block;font-weight:600;font-size:14px;margin:0 0 6px;color:var(--navy)}
.hint{font-weight:400;color:var(--muted);font-size:13px}
input,select,textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:12px 14px;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,164,92,.18)}
.field{margin-bottom:16px}
.money{position:relative}.money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted)}.money input{padding-left:28px}
.pct{position:relative}.pct::after{content:"%";position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.err{color:var(--bad);font-size:13px;margin-top:6px;display:none}
.field.invalid input,.field.invalid select{border-color:var(--bad)}
.field.invalid .err{display:block}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px}
.check input{width:20px;height:20px;margin-top:2px;flex:none}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 15px var(--sans);border:0;border-radius:12px;padding:14px 22px;cursor:pointer;text-decoration:none;transition:transform .08s,box-shadow .15s,background .15s}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 6px 18px rgba(201,164,92,.35)}
.btn-gold:hover{background:var(--gold-2)}
.btn-navy{background:var(--navy);color:#fff}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn-sm{padding:8px 12px;font-size:13px;border-radius:9px}
.btn[disabled]{opacity:.55;cursor:not-allowed}
.row{display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.spread{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}

/* stepper */
.steps{display:flex;gap:6px;margin:0 0 22px}
.steps span{flex:1;height:6px;border-radius:9px;background:var(--line)}
.steps span.on{background:var(--gold)}
.step-label{font-size:13px;color:var(--muted);margin-bottom:6px}
.step{display:none}.step.active{display:block;animation:fade .25s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}

.debt{border:1.5px solid var(--line);border-radius:14px;padding:18px;margin-bottom:14px;background:#FDFCF9}
.debt-h{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;font-weight:600;color:var(--navy)}

/* tables */
table.t{width:100%;border-collapse:collapse;font-size:15px}
.t th{text-align:left;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600;padding:10px 8px;border-bottom:1px solid var(--line)}
.t td{padding:12px 8px;border-bottom:1px solid #F0EBE0;vertical-align:middle}
.t td.num,.t th.num{text-align:right;font-variant-numeric:tabular-nums}
.scroll{overflow-x:auto}

.tag{display:inline-block;font-size:12px;font-weight:600;padding:3px 9px;border-radius:99px;background:#EEF1F6;color:var(--navy)}
.tag.good{background:var(--good-bg);color:var(--good)}.tag.warn{background:var(--warn-bg);color:var(--warn)}.tag.bad{background:var(--bad-bg);color:var(--bad)}.tag.gold{background:#F6EBD2;color:#7A5A16}

.notice{border-radius:12px;padding:14px 16px;font-size:14px;background:#EEF1F6;color:var(--navy)}
.notice.good{background:var(--good-bg);color:var(--good)}.notice.warn{background:var(--warn-bg);color:var(--warn)}.notice.bad{background:var(--bad-bg);color:var(--bad)}

.trust{display:flex;gap:18px;flex-wrap:wrap;font-size:13px;color:var(--muted);margin-top:14px}
.trust span{display:inline-flex;align-items:center;gap:6px}
.lock{width:14px;height:14px;display:inline-block;background:currentColor;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='10' width='16' height='11' rx='2'/%3E%3Cpath d='M8 10V7a4 4 0 0 1 8 0v3'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='10' width='16' height='11' rx='2'/%3E%3Cpath d='M8 10V7a4 4 0 0 1 8 0v3'/%3E%3C/svg%3E") center/contain no-repeat}

.muted{color:var(--muted)}.small{font-size:13px}.center{text-align:center}.mt{margin-top:18px}.mb0{margin-bottom:0}
.hidden{display:none!important}
.foot{padding:36px 0 48px;color:var(--muted);font-size:13px}
.foot a{color:var(--muted)}
.spinner{width:18px;height:18px;border:2.5px solid rgba(11,31,58,.2);border-top-color:var(--navy);border-radius:50%;animation:spin .8s linear infinite;display:inline-block}
@keyframes spin{to{transform:rotate(360deg)}}
.bar-chart{display:flex;flex-direction:column;gap:8px}
.bar-row{display:grid;grid-template-columns:140px 1fr 90px;gap:10px;align-items:center;font-size:14px}
.bar-track{height:10px;background:#EFEAE0;border-radius:9px;overflow:hidden}
.bar-fill{height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-2));border-radius:9px}
@media(max-width:600px){.bar-row{grid-template-columns:100px 1fr 70px}}

/* KeyLock Money brand (matches keylockmoney.com) */
:root{--navy:#16181D;--navy-2:#24272E;--ink:#16181D;--gold:#8C1D24;--gold-2:#F2D6D8;--cream:#F5F3F3;--line:#E2DCDC;--muted:#5A6068;
  --radius:6px;--shadow:0 1px 2px rgba(22,24,29,.06),0 8px 24px rgba(22,24,29,.06);
  --serif:"Public Sans",system-ui,sans-serif;--sans:"Public Sans",system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
h1,h2,h3{font-weight:800;letter-spacing:-.02em}
.band{background:var(--navy)}
.btn-gold{background:var(--gold);color:#fff;box-shadow:none}
.btn-gold:hover{background:#A6262E;color:#fff}
.brand-mark{background:var(--gold);color:#fff}
.stat.gold{background:#FBEFF0;border-color:#F0D3D6}
.tag.gold{background:#FBEFF0;color:#8C1D24}
input:focus,select:focus,textarea:focus{box-shadow:0 0 0 4px rgba(140,29,36,.14)}
.bar-fill{background:var(--gold)}