:root{color-scheme:light;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}html{scroll-padding-top:env(safe-area-inset-top,0px)}body{margin:0;padding:0;font:14px -apple-system,BlinkMacSystemFont,sans-serif;background:#fff;color:#000}img{max-width:100%}[hidden]:not([hidden=until-found i]){display:none!important}:root{--teal:#1b3f3f;--teal-mid:#2a5555;--teal-accent:#d4af37;--teal-light:#eaf3f1;--teal-xlight:#f4faf9;--gold:#d4af37;--red:#ef3a24;--amber:#4a0000;--border:#d1e4e1;--text-primary:#1b3f3f;--text-secondary:#4a6565;--text-muted:#6c8a8a;--bg-page:#1b3f3f;--white:#fff;--radius:10px;--radius-lg:18px;--font-body:"Avenir LT Pro","Avenir Next","Avenir","Nunito Sans",-apple-system,"Segoe UI",Roboto,sans-serif;--font-logo:"Adobe Caslon Pro","Libre Caslon Text",Georgia,serif;color-scheme:light}*,*:before,*:after{box-sizing:border-box}[hidden]{display:none!important}body{font-family:var(--font-body);background:var(--bg-page);color:var(--text-primary);min-height:100%;margin:0;display:flex;flex-direction:column;align-items:center;padding-block:32px 40px;padding-inline:16px}body:before{content:'';position:fixed;width:700px;height:700px;top:-250px;left:-250px;border-radius:50%;pointer-events:none;background:radial-gradient(circle,rgba(212,175,55,.08) 0%,transparent 70%)}.progress-track{position:fixed;top:0;left:0;right:0;height:3px;background:rgba(255,255,255,.08);z-index:10}.progress-fill{height:100%;width:0;background:var(--teal-accent);transition:width .4s cubic-bezier(.4,0,.2,1)}.card{position:relative;background:var(--white);border-radius:var(--radius-lg);width:100%;max-width:580px;padding:32px 40px 28px;box-shadow:0 32px 100px rgba(0,0,0,.4),0 4px 16px rgba(0,0,0,.2)}.card+.card{margin-top:14px;padding:20px 40px}.logo-wrap{text-align:center;margin-bottom:24px;padding-bottom:20px;border-bottom:1px solid var(--border)}.logo-inner{display:inline-flex;align-items:center;gap:10px}.logo-phi{font-size:30px;font-weight:300;color:var(--teal);letter-spacing:-.5px;font-family:var(--font-logo);line-height:1}.logo-bar{width:1.5px;height:22px;background:var(--red)}.logo-label{font-size:11px;font-weight:700;letter-spacing:.2em;color:var(--teal);text-transform:uppercase}.logo-sub{display:block;margin-top:8px;font-size:11px;letter-spacing:.08em;color:var(--text-muted);text-transform:uppercase}.step-hdr{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:18px;min-height:26px}.back{white-space:nowrap;background:0 0;border:0;padding:0;font:inherit;font-size:13px;font-weight:600;color:var(--teal);cursor:pointer;border-bottom:1px solid var(--teal)}.back:focus-visible,.opt:focus-visible,.acc-btn:focus-visible,.btn:focus-visible{outline:2px solid var(--teal-accent);outline-offset:2px}.step-badge{font-size:11px;font-weight:700;color:var(--teal-accent);background:var(--teal-light);border-radius:20px;padding:4px 13px;letter-spacing:.05em;font-variant-numeric:tabular-nums}.dots{display:flex;gap:5px}.dot{width:18px;height:4px;border-radius:2px;background:var(--border);transition:background .3s}.dot.done{background:var(--teal-accent)}.dot.active{background:var(--teal)}.q-title{font-size:23px;font-weight:700;color:var(--teal);margin:0 0 6px;line-height:1.22;text-wrap:balance}.q-sub{font-size:13.5px;color:var(--text-secondary);margin:0 0 20px;line-height:1.5;max-width:62ch}.opts{display:flex;flex-direction:column;gap:8px}.opt{border:1.5px solid var(--border);border-radius:var(--radius);padding:13px 16px;cursor:pointer;display:flex;align-items:flex-start;gap:12px;background:var(--white);text-align:left;font:inherit;color:inherit;width:100%;transition:border-color .2s,background .15s}.opt:hover{border-color:var(--teal-accent);background:var(--teal-xlight)}.opt.selected{border-color:var(--teal);background:var(--teal-light)}.radio{width:18px;height:18px;border-radius:50%;border:1.5px solid var(--border);flex-shrink:0;margin-top:1px;display:flex;align-items:center;justify-content:center;background:var(--white)}.opt.selected .radio{background:var(--teal);border-color:var(--teal)}.opt.selected .radio:after{content:'';width:8px;height:8px;border-radius:50%;background:var(--white)}.opt-name{font-size:14px;font-weight:600;color:var(--teal);line-height:1.3;display:block}.opt-desc{font-size:12px;color:var(--text-muted);margin-top:3px;line-height:1.4;display:block}.acc{border:1px solid var(--border);border-bottom:3px solid var(--teal);border-radius:var(--radius);background:var(--teal-xlight)}.acc-btn{width:100%;display:flex;justify-content:space-between;align-items:center;gap:12px;background:0 0;border:0;padding:14px 16px;font:inherit;font-size:13.5px;font-weight:700;color:var(--teal);text-align:left;cursor:pointer}.chev{width:9px;height:9px;border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(45deg);transition:transform .2s;flex-shrink:0;margin-top:-4px}.acc.open .chev{transform:rotate(-135deg);margin-top:4px}.acc-body{padding:0 16px 14px;font-size:13px;line-height:1.6;color:var(--text-secondary)}.acc-body p{margin:0 0 8px;max-width:65ch}.acc-body strong{color:var(--text-primary)}.src{margin-top:10px;padding-top:10px;border-top:1px dashed var(--border);font-size:11.5px;color:var(--text-muted)}.src a{color:var(--teal-mid)}.tag{display:inline-block;font-size:10px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:2px 7px;border-radius:4px;background:var(--teal-light);color:var(--teal-mid);margin-right:4px;vertical-align:1px}.tag.warn{background:#fbf4dd;color:var(--amber)}.eyebrow{font-size:10.5px;font-weight:700;letter-spacing:.12em;color:var(--text-muted);text-transform:uppercase;margin:0 0 6px}.verdict{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;margin:0 0 6px}.verdict-form{font-family:var(--font-logo);font-size:40px;color:var(--teal);line-height:1}.verdict-chip{font-size:11px;font-weight:700;letter-spacing:.05em;padding:4px 10px;border-radius:20px;background:var(--teal-light);color:var(--teal-mid)}.verdict-chip.gold{background:#fbf4dd;color:var(--teal)}.lead{font-size:14px;color:var(--text-secondary);line-height:1.55;margin:0 0 18px;max-width:62ch}.sect-lbl{font-size:10.5px;font-weight:700;letter-spacing:.1em;color:var(--text-muted);text-transform:uppercase;margin:18px 0 8px}.list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:7px}.list li{font-size:13.5px;line-height:1.5;color:var(--text-primary);padding-left:20px;position:relative}.list li:before{content:'';position:absolute;left:2px;top:7px;width:7px;height:7px;border-radius:50%;background:var(--teal-accent)}.list.no li:before{background:var(--border);border:1.5px solid var(--text-muted);width:6px;height:6px}.list.att li:before{background:var(--amber);border-radius:1px;transform:rotate(45deg)}.list li b{color:var(--teal)}.cmp{width:100%;border-collapse:collapse;font-size:12.5px;margin-top:4px}.cmp-wrap{overflow-x:auto}.cmp th,.cmp td{padding:7px 8px;border-bottom:1px solid var(--border);text-align:left;vertical-align:top}.cmp th{font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--text-muted);font-weight:700}.cmp td:first-child{color:var(--text-secondary);white-space:nowrap}.cmp .win{background:var(--teal-xlight);font-weight:600;color:var(--teal)}.actions{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-top:22px}.btn{display:inline-flex;align-items:center;gap:8px;border-radius:var(--radius);padding:13px 20px;font:inherit;font-size:14px;font-weight:600;cursor:pointer;text-decoration:none;border:1.5px solid var(--teal)}.btn-primary{background:var(--teal);color:var(--white)}.btn-primary:hover{background:var(--teal-mid)}.btn-ghost{background:0 0;color:var(--teal);border-color:transparent;padding-inline:0;text-decoration:underline}.disclaimer{max-width:580px;width:100%;margin-top:18px;font-size:11px;line-height:1.55;color:rgba(255,255,255,.55);text-align:center}.fade{animation:fade .25s ease-out}@keyframes fade{from{opacity:.4;transform:translateY(4px)}to{opacity:1;transform:none}}@media (prefers-reduced-motion:reduce){.fade{animation:none}.progress-fill,.chev{transition:none}}.ic{display:block;flex-shrink:0;overflow:visible}.ic .m,.ic .g{fill:none;stroke-width:1.4px;vector-effect:non-scaling-stroke;stroke-miterlimit:10}.ic .m{stroke:var(--teal)}.ic .g{stroke:var(--gold)}.choice .ic{width:52px;height:52px}.svc .ic{width:30px;height:30px;margin-bottom:8px}.verdict .ic{width:44px;height:44px;align-self:center}.opt .ic{width:30px;height:30px;margin-top:-4px}.acc-l{display:inline-flex;align-items:center;gap:10px}.acc-l .ic{width:20px;height:20px}.q-head{display:flex;align-items:center;gap:14px;margin-bottom:6px}.q-head .ic{width:40px;height:40px}.q-head .q-title{margin:0}details.more{margin-top:14px;border-top:1px solid var(--border)}details.more>summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px 0 2px;font-size:13px;font-weight:600;color:var(--teal)}details.more>summary::-webkit-details-marker{display:none}details.more>summary:after{content:'';width:8px;height:8px;border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(45deg);margin-top:-4px;transition:transform .2s}details.more[open]>summary:after{transform:rotate(-135deg);margin-top:4px}details.more>summary:focus-visible{outline:2px solid var(--teal-accent);outline-offset:2px}details.more .list{margin-top:10px}details.more>.body{padding-top:10px}.fgrid{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}.fg{grid-column:span 6;display:flex;flex-direction:column;gap:5px;min-width:0}.fg.half{grid-column:span 3}.fg.third{grid-column:span 2}.fg label,.flabel{font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--text-muted)}.flabel{display:block;margin:4px 0 6px}.opt-tag{font-weight:500;font-style:italic;text-transform:none;letter-spacing:0}.req{color:var(--red);margin-left:2px}.input-field{width:100%;border:1.5px solid var(--border);border-radius:var(--radius);padding:10px 12px;font:inherit;font-size:14px;color:var(--text-primary);background:var(--white);outline:none;transition:border-color .2s}.input-field:focus{border-color:var(--teal-accent)}.input-field[readonly]{background:var(--teal-xlight);color:var(--text-secondary)}textarea.input-field{resize:vertical;min-height:72px;line-height:1.45}.hint{font-size:11.5px;color:var(--text-muted);line-height:1.4}.err{font-size:12px;color:var(--red);line-height:1.4;display:block}.has-err .input-field{border-color:var(--red)}.pill-group{display:flex;flex-wrap:wrap;gap:8px}.pill{border:1.5px solid var(--border);border-radius:var(--radius);padding:9px 16px;cursor:pointer;font:inherit;font-size:13.5px;font-weight:500;color:var(--teal);background:var(--white)}.pill:hover{border-color:var(--teal-accent);background:var(--teal-xlight)}.pill.selected{border-color:var(--teal);background:var(--teal-light);font-weight:600}.pill:focus-visible,.link:focus-visible,.input-field:focus-visible{outline:2px solid var(--teal-accent);outline-offset:2px}.radio.sq{border-radius:4px}.opt.selected .radio.sq:after{border-radius:1px}.fgrid .opt{grid-column:span 6}.calc{grid-column:span 6;display:flex;justify-content:space-between;gap:12px;align-items:baseline;background:var(--teal-xlight);border:1px solid var(--border);border-radius:var(--radius);padding:10px 14px;font-size:13px;color:var(--text-secondary);font-variant-numeric:tabular-nums;margin:12px 0 4px}.fgrid .calc{margin:0}.calc b{color:var(--teal)}.calc.bad{border-color:var(--red);background:#fdf1ef}.calc.bad b{color:var(--red)}.note{grid-column:span 6;font-size:12.5px;line-height:1.5;color:var(--text-secondary);background:var(--teal-xlight);border-left:3px solid var(--teal-accent);padding:10px 12px;border-radius:0 6px 6px 0;margin:12px 0 8px}.note.warn{border-left-color:var(--amber);background:#fdfaef}.person{border:1px solid var(--border);border-radius:var(--radius);padding:14px;margin-bottom:12px}.person-hd{display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;font-size:13px;font-weight:700;color:var(--teal)}.link{background:0 0;border:0;padding:0;font:inherit;font-size:13px;font-weight:600;color:var(--teal-mid);text-decoration:underline;cursor:pointer}.file{font:inherit;font-size:12.5px;color:var(--text-secondary)}.btn-secondary{background:var(--white);color:var(--teal)}.btn-secondary:hover{background:var(--teal-xlight)}.cta-pair{display:inline-flex;gap:10px;flex-wrap:wrap}.cta-bar{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:22px}.cta-bar .btn{justify-content:center;text-align:center;min-height:50px}.cta-alt{text-align:center;margin:14px 0 0}.direct{display:flex;justify-content:space-between;align-items:center;gap:8px 14px;flex-wrap:wrap;margin-top:14px;padding:12px 14px;border:1px dashed var(--border);border-radius:var(--radius);font-size:13px;color:var(--text-secondary)}.direct .cta-pair{gap:16px}.recap{width:100%;border-collapse:collapse;font-size:13px}.recap th{text-align:left;vertical-align:top;color:var(--text-muted);font-weight:600;font-size:12px;padding:8px 12px 8px 0;width:32%;border-bottom:1px solid var(--border)}.recap td{padding:8px 0;border-bottom:1px solid var(--border);color:var(--text-primary);line-height:1.45;overflow-wrap:anywhere}.tl{list-style:none;margin:0;padding:0;display:flex;flex-direction:column}.tl li{position:relative;padding:0 0 16px 38px;display:flex;flex-direction:column;gap:2px;font-size:12.5px;color:var(--text-muted);line-height:1.45}.tl li .ic{position:absolute;left:0;top:-2px;width:26px;height:26px}.tl li:after{content:'';position:absolute;left:12px;top:30px;bottom:4px;width:1px;background:var(--border)}.tl li:last-child:after{display:none}.tl li b{color:var(--teal);font-size:13px}.saved{font-size:11.5px;color:var(--text-muted)}.proto{font-size:12px;color:var(--amber);background:#fdfaef;border-radius:6px;padding:8px 12px;margin:0 0 14px}@media (max-width:520px){.fg.half,.fg.third{grid-column:span 6}.cta-pair{width:100%}.cta-pair .btn{flex:1;justify-content:center}}.resid{grid-column:span 6;margin-top:12px;display:flex;flex-direction:column;gap:8px}.combo{position:relative}.cb-in{padding-right:40px}.cb-btn{position:absolute;right:4px;top:4px;bottom:4px;width:34px;border:0;background:0 0;cursor:pointer;border-radius:6px}.cb-btn:after{content:'';position:absolute;left:12px;top:50%;width:8px;height:8px;border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:translateY(-70%) rotate(45deg)}.cb-list{position:absolute;left:0;right:0;top:calc(100% + 4px);z-index:30;max-height:264px;overflow:auto;margin:0;padding:4px;list-style:none;background:var(--white);border:1.5px solid var(--border);border-radius:var(--radius);box-shadow:0 12px 32px rgba(27,63,63,.18)}.cb-list li{padding:9px 12px;border-radius:6px;font-size:14px;color:var(--text-primary);cursor:pointer;line-height:1.3}.cb-list li:hover,.cb-list li.act{background:var(--teal-light);color:var(--teal)}.cb-list li.cb-none{cursor:default;color:var(--text-muted);font-size:12.5px}.cb-list li.cb-none:hover{background:0 0}.resume{width:100%;max-width:580px;display:flex;align-items:center;justify-content:space-between;gap:12px;background:var(--teal-mid);color:var(--white);border-radius:var(--radius);padding:10px 14px;margin-bottom:14px;font-size:13px}.resume button{background:0 0;border:0;color:var(--white);font:inherit;cursor:pointer}.resume .go{font-weight:600;text-decoration:underline;text-align:left}.resume .x{font-size:18px;line-height:1;opacity:.8;padding:0 4px}.hero-title{font-size:26px;font-weight:700;color:var(--teal);line-height:1.2;text-align:center;margin:0 0 8px;text-wrap:balance}.hero-title em{font-style:normal;color:var(--teal-accent)}.hero-sub{text-align:center;font-size:14px;color:var(--text-secondary);margin:0 0 22px;line-height:1.5}.hero-sub b{color:var(--teal)}.choices{display:grid;grid-template-columns:1fr 1fr;gap:12px}.choice{border:1.5px solid var(--border);border-radius:var(--radius);padding:18px 16px 16px;display:flex;flex-direction:column;gap:8px;background:var(--white);min-width:0}.choice svg{width:56px;height:56px}.choice h2{font-size:16px;line-height:1.25;color:var(--teal);margin:4px 0 0}.choice p{font-size:12.5px;color:var(--text-muted);line-height:1.45;margin:0;flex:1}.choice .btn{justify-content:center;margin-top:6px}.choice.alt .btn{background:var(--white);color:var(--teal)}.choice.alt .btn:hover{background:var(--teal-xlight)}.trust{display:flex;justify-content:center;gap:8px 18px;flex-wrap:wrap;margin-top:18px;font-size:11.5px;color:var(--text-muted)}.trust b{color:var(--teal)}.svc{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.svc div{padding:4px 12px;border-left:1px solid var(--border);min-width:0}.svc div:first-child{border-left:0;padding-left:0}.svc h3{font-size:12.5px;color:var(--teal);margin:0 0 4px;line-height:1.25}.svc p{font-size:11.5px;color:var(--text-muted);margin:0;line-height:1.4}@media (max-width:520px){.card{padding:24px 20px 22px}.card+.card{padding:16px 20px}.q-title{font-size:20px}.dots{display:none}.verdict-form{font-size:34px}.choices{grid-template-columns:1fr}.hero-title{font-size:22px}.svc{grid-template-columns:1fr 1fr;gap:12px 0}.svc div:nth-child(3){border-left:0;padding-left:0}}.fgrid>.flabel,.fgrid>p,.fgrid>.opts{grid-column:span 6}.hero-title,.q-title,.res-title{font-family:var(--font-logo);font-weight:400;letter-spacing:0}.hero-title em{color:var(--teal);background:linear-gradient(transparent 62%,rgba(212,175,55,.45) 62%)}.step-badge{color:var(--teal);background:#fbf4dd}.logo-phi{font-weight:400;letter-spacing:.5px}.logo-label{font-size:14px;font-weight:400;letter-spacing:.04em}a.logo-inner{text-decoration:none;color:inherit}.phi-forms-intro{width:100%;max-width:580px;margin:0 0 18px;text-align:center}.phi-forms-intro h1{font-family:var(--font-logo);font-weight:400;font-size:clamp(24px,4vw,32px);line-height:1.2;color:#fff;margin:0 0 8px}.phi-forms-intro p{margin:0;color:rgba(255,255,255,.78);font-size:15px;line-height:1.55}.phi-forms-content{line-height:1.6;font-size:15px}.phi-forms-content h2{font-family:var(--font-logo);font-weight:400;font-size:22px;margin:22px 0 8px}.phi-forms-content h2:first-child{margin-top:0}.phi-forms-content a{color:inherit;font-weight:600}.phi-forms-content ul{padding-left:20px}button[type=submit][disabled]{opacity:.65;cursor:wait}