:root {
      --teal:#3FA98A;
      --teal-deep:#2F8C72;
      --charcoal:#202020;
      --black:#0B0B0B;
      --warm:#F7F4EF;
      --sand:#E8DFD2;
      --white:#FFFFFF;
      --muted:#667085;
      --shadow:0 18px 50px rgba(11,11,11,.12);
      --radius:22px;
    }

    * { box-sizing:border-box; }
    html { scroll-behavior:smooth; }
    body {
      margin:0;
      font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
      color:var(--charcoal);
      background:var(--warm);
      line-height:1.6;
    }

    img { max-width:100%; display:block; }
    a { color:inherit; text-decoration:none; }

    .page {
      overflow:hidden;
      background:
        radial-gradient(circle at 10% 10%, rgba(63,169,138,.09), transparent 34%),
        linear-gradient(180deg, #fbfaf7 0%, var(--warm) 100%);
    }

    .container {
      width:min(1180px, calc(100% - 36px));
      margin:0 auto;
    }

    .topbar {
      background:var(--black);
      color:rgba(255,255,255,.78);
      font-size:.82rem;
      letter-spacing:.04em;
      text-align:center;
      padding:9px 16px;
    }

    .hero {
      position:relative;
      background:
        linear-gradient(120deg, rgba(11,11,11,.98) 0%, rgba(32,32,32,.98) 52%, rgba(47,140,114,.92) 100%);
      color:white;
      padding:30px 0 78px;
    }

    .hero:after {
      content:"";
      position:absolute;
      right:-120px;
      bottom:-180px;
      width:440px;
      height:440px;
      border-radius:50%;
      background:rgba(255,255,255,.05);
    }

    .nav {
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:20px;
      margin-bottom:42px;
      position:relative;
      z-index:2;
    }

    .broker-logo {
      width:230px;
      max-width:54vw;
      background:white;
      border-radius:14px;
      padding:10px 14px;
      box-shadow:0 8px 28px rgba(0,0,0,.2);
    }

    .nav-cta {
      display:inline-flex;
      align-items:center;
      justify-content:center;
      background:var(--teal);
      color:white;
      font-weight:800;
      padding:12px 20px;
      border-radius:999px;
      border:1px solid rgba(255,255,255,.18);
      transition:.2s ease;
    }
    .nav-cta:hover { transform:translateY(-2px); background:#46b895; }

    .hero-grid {
      display:grid;
      grid-template-columns:1.15fr .85fr;
      gap:64px;
      align-items:center;
      position:relative;
      z-index:2;
    }

    .eyebrow {
      display:inline-block;
      color:#bfe7db;
      border:1px solid rgba(191,231,219,.4);
      border-radius:999px;
      padding:7px 14px;
      font-size:.78rem;
      font-weight:800;
      text-transform:uppercase;
      letter-spacing:.12em;
      margin-bottom:18px;
    }

    h1 {
      margin:0 0 20px;
      font-family:Georgia, "Times New Roman", serif;
      font-size:clamp(2.6rem, 6vw, 5.2rem);
      line-height:1.02;
      letter-spacing:-.045em;
      max-width:820px;
    }

    .hero-lead {
      font-size:clamp(1rem, 1.8vw, 1.22rem);
      color:rgba(255,255,255,.82);
      max-width:720px;
      margin:0 0 28px;
    }

    .hero-points {
      display:grid;
      grid-template-columns:repeat(3,1fr);
      gap:12px;
      margin:28px 0 0;
    }

    .hero-point {
      padding:14px 14px;
      border:1px solid rgba(255,255,255,.12);
      border-radius:14px;
      background:rgba(255,255,255,.06);
      font-size:.9rem;
      color:rgba(255,255,255,.86);
    }

    .portrait-wrap {
      position:relative;
      max-width:430px;
      justify-self:end;
    }

    .portrait {
      width:100%;
      border-radius:28px;
      box-shadow:0 28px 80px rgba(0,0,0,.38);
      border:5px solid rgba(255,255,255,.1);
      object-fit:cover;
    }

    .portrait-card {
      position:absolute;
      left:-28px;
      bottom:26px;
      background:rgba(255,255,255,.96);
      color:var(--charcoal);
      padding:16px 18px;
      border-radius:16px;
      box-shadow:var(--shadow);
      max-width:245px;
    }
    .portrait-card strong {
      display:block;
      color:var(--teal-deep);
      font-size:1.05rem;
      margin-bottom:2px;
    }
    .portrait-card span { font-size:.86rem; color:var(--muted); }

    .trust-strip {
      margin-top:-34px;
      position:relative;
      z-index:4;
    }

    .trust-grid {
      display:grid;
      grid-template-columns:repeat(4,1fr);
      background:white;
      border-radius:18px;
      box-shadow:var(--shadow);
      overflow:hidden;
    }

    .trust-item {
      padding:21px 20px;
      text-align:center;
      border-right:1px solid var(--sand);
    }
    .trust-item:last-child { border-right:none; }
    .trust-item strong { display:block; color:var(--teal-deep); font-size:1rem; }
    .trust-item span { color:var(--muted); font-size:.84rem; }

    .section {
      padding:84px 0;
    }

    .section-head {
      max-width:780px;
      margin:0 auto 42px;
      text-align:center;
    }

    .section-head h2 {
      margin:0 0 14px;
      font-family:Georgia, "Times New Roman", serif;
      color:var(--black);
      font-size:clamp(2rem,4vw,3.25rem);
      line-height:1.12;
    }

    .section-head p {
      margin:0;
      color:var(--muted);
      font-size:1.05rem;
    }

    .benefit-grid {
      display:grid;
      grid-template-columns:repeat(3,1fr);
      gap:22px;
    }

    .benefit {
      background:white;
      border:1px solid var(--sand);
      border-radius:18px;
      padding:28px;
      box-shadow:0 10px 28px rgba(11,11,11,.06);
    }

    .num {
      width:42px;
      height:42px;
      display:grid;
      place-items:center;
      border-radius:12px;
      background:rgba(63,169,138,.13);
      color:var(--teal-deep);
      font-weight:900;
      margin-bottom:18px;
    }

    .benefit h3 {
      margin:0 0 9px;
      font-family:Georgia, "Times New Roman", serif;
      color:var(--black);
      font-size:1.3rem;
    }
    .benefit p { margin:0; color:var(--muted); }

    .guide-section {
      background:linear-gradient(180deg, white 0%, #f6f3ed 100%);
    }

    .guide-grid {
      display:grid;
      grid-template-columns:.9fr 1.1fr;
      gap:46px;
      align-items:center;
    }

    .guide-card {
      border-radius:24px;
      background:
        linear-gradient(150deg, rgba(63,169,138,.96), rgba(47,140,114,.96)),
        #2F8C72;
      color:white;
      padding:38px;
      box-shadow:var(--shadow);
      position:relative;
      overflow:hidden;
      min-height:500px;
      display:flex;
      flex-direction:column;
      justify-content:space-between;
    }

    .guide-card:after {
      content:"";
      position:absolute;
      right:-70px;
      top:-60px;
      width:240px;
      height:240px;
      border-radius:50%;
      border:1px solid rgba(255,255,255,.16);
      box-shadow:0 0 0 32px rgba(255,255,255,.04), 0 0 0 65px rgba(255,255,255,.03);
    }

    .guide-kicker {
      font-size:.78rem;
      text-transform:uppercase;
      letter-spacing:.13em;
      font-weight:900;
      color:#d5f1e8;
    }

    .guide-card h3 {
      position:relative;
      z-index:1;
      margin:18px 0;
      font-family:Georgia, "Times New Roman", serif;
      font-size:clamp(2rem,4vw,3.5rem);
      line-height:1.05;
    }

    .guide-card p {
      color:rgba(255,255,255,.84);
      max-width:480px;
      position:relative;
      z-index:1;
    }

    .guide-mini {
      display:grid;
      grid-template-columns:repeat(2,1fr);
      gap:12px;
      margin-top:22px;
      position:relative;
      z-index:1;
    }

    .guide-mini div {
      background:rgba(255,255,255,.11);
      border:1px solid rgba(255,255,255,.13);
      border-radius:12px;
      padding:12px;
      font-size:.88rem;
    }

    .form-wrap {
      background:white;
      border-radius:24px;
      padding:34px;
      border:1px solid var(--sand);
      box-shadow:var(--shadow);
    }

    .form-wrap h3 {
      margin:0 0 8px;
      font-family:Georgia, "Times New Roman", serif;
      color:var(--black);
      font-size:2rem;
    }
    .form-wrap > p {
      margin:0 0 20px;
      color:var(--muted);
    }

    .form-frame {
      width:100%;
      min-height:620px;
      border:0;
      display:block;
      border-radius:14px;
      background:white;
    }

    .small-note {
      margin-top:12px;
      color:#7f8792;
      font-size:.78rem;
      text-align:center;
    }

    .about {
      background:var(--black);
      color:white;
    }

    .about-grid {
      display:grid;
      grid-template-columns:.75fr 1.25fr;
      gap:48px;
      align-items:center;
    }

    .about img {
      width:100%;
      max-width:400px;
      border-radius:24px;
      box-shadow:0 20px 60px rgba(0,0,0,.35);
      justify-self:center;
    }

    .about h2 {
      margin:0 0 16px;
      font-family:Georgia, "Times New Roman", serif;
      font-size:clamp(2rem,4vw,3.3rem);
      line-height:1.12;
    }

    .about p { color:rgba(255,255,255,.78); }
    .about strong { color:#bfe7db; }

    footer {
      background:#090909;
      color:rgba(255,255,255,.66);
      padding:34px 0;
      font-size:.8rem;
    }

    .footer-grid {
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:24px;
    }

    .footer-logo {
      width:210px;
      background:white;
      border-radius:12px;
      padding:9px 12px;
    }

    .footer-copy { max-width:760px; }

    
    @media (min-width: 641px) and (max-width: 900px) {
      .form-frame { min-height:760px; }
    }

@media (max-width: 900px) {
      .hero-grid,
      .guide-grid,
      .about-grid {
        grid-template-columns:1fr;
      }
      .portrait-wrap {
        justify-self:center;
        max-width:360px;
      }
      .hero-points,
      .benefit-grid {
        grid-template-columns:1fr;
      }
      .trust-grid {
        grid-template-columns:repeat(2,1fr);
      }
      .trust-item:nth-child(2) { border-right:none; }
      .trust-item:nth-child(-n+2) { border-bottom:1px solid var(--sand); }
      .about { text-align:center; }
      .footer-grid { flex-direction:column; align-items:flex-start; }
    }

    @media (max-width: 640px) {
      .nav { align-items:flex-start; }
      .nav-cta { font-size:.8rem; padding:10px 14px; }
      .hero { padding-bottom:58px; }
      .portrait-card {
        position:relative;
        left:auto;
        bottom:auto;
        margin:-24px auto 0;
        max-width:90%;
      }
      .trust-strip { margin-top:-20px; }
      .trust-grid { grid-template-columns:1fr; }
      .trust-item {
        border-right:none;
        border-bottom:1px solid var(--sand);
      }
      .trust-item:last-child { border-bottom:none; }
      .section { padding:64px 0; }
      .form-wrap { padding:22px 16px; }
      .form-frame { min-height:1150px; }
      .guide-card { min-height:auto; }
      .guide-mini { grid-template-columns:1fr; }
    }
  

/* Friendlier, low-friction guide form update */
.form-badge {
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-bottom:14px;
  padding:7px 12px;
  border-radius:999px;
  background:rgba(63,169,138,.12);
  color:var(--teal-deep);
  font-size:.76rem;
  font-weight:900;
  letter-spacing:.06em;
  text-transform:uppercase;
}

.form-intro {
  margin-bottom:18px !important;
  color:var(--muted);
}

.opcrm-embed-shell {
  min-height:365px;
  overflow:hidden;
  border-radius:14px;
  background:#fff;
}

.privacy-note {
  margin-top:16px;
  padding:14px 16px;
  border:1px solid rgba(63,169,138,.24);
  border-radius:14px;
  background:rgba(63,169,138,.07);
  color:#4b5563;
  font-size:.86rem;
  line-height:1.55;
}

.privacy-note strong {
  color:var(--teal-deep);
}

@media (max-width: 760px) {
  .opcrm-embed-shell {
    min-height:500px;
  }
}