*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --navy:   #1B2A3E;
    --deep:   #131F2E;
    --mid:    #243348;
    --frost:  #C8D8EC;
    --mist:   #8BA4BF;
    --gold:   #C49A5A;
    --white:  #F0F4F8;
    --green:  #7ABFA0;
    --green-d:#3A8A6A;
    --label:  #4A5C72;
    --border: rgba(200,216,236,0.1);
  }

  html { scroll-behavior: smooth; }

  body {
    background: var(--deep);
    color: var(--white);
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    min-height: 100vh;
    overflow-x: hidden;
  }

  /* BACKGROUND */
  .bg {
    position: fixed; inset: 0; z-index: 0;
    background:
      radial-gradient(ellipse 80% 60% at 20% 10%, rgba(46,65,96,0.6) 0%, transparent 60%),
      radial-gradient(ellipse 60% 50% at 80% 80%, rgba(30,50,75,0.4) 0%, transparent 55%),
      radial-gradient(ellipse 40% 40% at 50% 50%, rgba(196,154,90,0.03) 0%, transparent 60%);
    pointer-events: none;
  }

  .grid {
    position: fixed; inset: 0; z-index: 0;
    background-image:
      linear-gradient(rgba(200,216,236,0.03) 1px, transparent 1px),
      linear-gradient(90deg, rgba(200,216,236,0.03) 1px, transparent 1px);
    background-size: 52px 52px;
    pointer-events: none;
  }

  /* LAYOUT */
  .wrap {
    position: relative; z-index: 1;
    max-width: 580px;
    margin: 0 auto;
    padding: 0 24px;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding-top: 80px;
    padding-bottom: 80px;
  }

  /* NAV */
  nav {
    position: fixed; top: 0; left: 0; right: 0;
    z-index: 100;
    padding: 20px 32px;
    display: flex; align-items: center;
    justify-content: space-between;
    border-bottom: 1px solid var(--border);
    background: rgba(19,31,46,0.85);
    backdrop-filter: blur(16px);
  }

  .logo {
    font-family: 'Cormorant Garamond', serif;
    font-size: 22px; font-weight: 700;
    color: var(--frost); text-decoration: none;
    letter-spacing: -0.5px;
  }
  .logo em { font-style: italic; color: var(--gold); font-weight: 600; }

  .nav-badge {
    font-size: 10px; font-weight: 500;
    letter-spacing: 2px; text-transform: uppercase;
    color: var(--gold); opacity: 0.7;
    border: 1px solid rgba(196,154,90,0.2);
    padding: 5px 10px; border-radius: 20px;
  }

  /* HERO */
  .hero { margin-bottom: 52px; animation: fadeUp 0.7s ease both; }

  .eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 10px; font-weight: 500;
    letter-spacing: 2.5px; text-transform: uppercase;
    color: var(--gold); opacity: 0.85;
    margin-bottom: 20px;
  }

  .eyebrow-line { width: 20px; height: 1px; background: var(--gold); opacity: 0.5; }

  .hero h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(44px, 11vw, 68px);
    font-weight: 600;
    letter-spacing: -2px;
    line-height: 1.04;
    color: var(--frost);
    margin-bottom: 20px;
  }

  .hero h1 em { font-style: italic; font-weight: 300; color: var(--white); }

  .hero p {
    font-size: 16px; line-height: 1.75;
    color: var(--mist); font-weight: 300;
    max-width: 480px;
  }

  /* TOGGLE */
  .toggle-wrap {
    margin-bottom: 40px;
    animation: fadeUp 0.7s 0.1s ease both;
  }

  .toggle-label {
    font-size: 10px; font-weight: 500;
    letter-spacing: 2px; text-transform: uppercase;
    color: rgba(139,164,191,0.5);
    margin-bottom: 12px;
    display: block;
  }

  .toggle {
    display: inline-flex;
    background: rgba(27,42,62,0.7);
    border: 1px solid var(--border);
    border-radius: 50px;
    padding: 4px;
    gap: 4px;
    backdrop-filter: blur(8px);
  }

  .toggle-btn {
    font-family: 'DM Sans', sans-serif;
    font-size: 14px; font-weight: 400;
    color: var(--mist);
    background: none; border: none;
    padding: 11px 26px; border-radius: 50px;
    cursor: pointer; transition: all 0.3s;
    white-space: nowrap; letter-spacing: 0.2px;
  }

  .toggle-btn.active-homeowner {
    background: var(--frost);
    color: var(--deep);
    font-weight: 500;
  }

  .toggle-btn.active-contractor {
    background: var(--gold);
    color: var(--deep);
    font-weight: 500;
  }

  /* CONTENT PANELS */
  .panel { display: none; animation: fadeUp 0.35s ease both; }
  .panel.active { display: block; }

  /* VALUE PROPS */
  .props {
    display: flex; flex-direction: column; gap: 0;
    margin-bottom: 40px;
  }

  .prop {
    display: grid;
    grid-template-columns: 44px 1fr;
    gap: 0 16px;
    padding: 20px 0;
    border-bottom: 1px solid rgba(200,216,236,0.06);
    align-items: start;
  }

  .prop:last-child { border-bottom: none; }

  .prop-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 12px; font-weight: 600;
    letter-spacing: 1px;
    padding-top: 3px;
  }

  .prop-num.homeowner { color: var(--frost); opacity: 0.4; }
  .prop-num.contractor { color: var(--gold); opacity: 0.6; }

  .prop-title {
    font-size: 15px; font-weight: 500;
    color: var(--frost); margin-bottom: 4px;
    line-height: 1.3;
  }

  .prop-desc {
    font-size: 13px; line-height: 1.68;
    color: var(--mist); font-weight: 300;
  }

  .prop-desc strong { color: var(--frost); font-weight: 400; }

  /* STAT ROW */
  .stat-row {
    display: flex; gap: 0;
    margin-bottom: 40px;
    border: 1px solid var(--border);
    border-radius: 12px;
    overflow: hidden;
    background: rgba(27,42,62,0.4);
    backdrop-filter: blur(8px);
  }

  .stat {
    flex: 1; padding: 18px 16px;
    text-align: center;
    border-right: 1px solid var(--border);
  }

  .stat:last-child { border-right: none; }

  .stat-val {
    font-family: 'Cormorant Garamond', serif;
    font-size: 28px; font-weight: 600;
    letter-spacing: -0.5px;
    margin-bottom: 4px;
  }

  .stat-val.homeowner { color: var(--frost); }
  .stat-val.contractor { color: var(--gold); }

  .stat-label {
    font-size: 10px; font-weight: 300;
    color: var(--mist); letter-spacing: 0.3px;
    line-height: 1.4;
  }

  /* FORM */
  .form-wrap {
    animation: fadeUp 0.7s 0.2s ease both;
  }

  .form-title {
    font-family: 'Cormorant Garamond', serif;
    font-size: 26px; font-weight: 600;
    letter-spacing: -0.5px;
    color: var(--frost);
    margin-bottom: 6px;
  }

  .form-title em { font-style: italic; font-weight: 300; }

  .form-sub {
    font-size: 13px; color: var(--mist);
    font-weight: 300; margin-bottom: 20px;
    line-height: 1.6;
  }

  .form-row {
    display: flex; gap: 10px;
    flex-wrap: wrap;
  }

  .form-input {
    flex: 1; min-width: 200px;
    background: rgba(27,42,62,0.6);
    border: 1px solid rgba(200,216,236,0.15);
    border-radius: 10px;
    padding: 14px 18px;
    font-family: 'DM Sans', sans-serif;
    font-size: 14px; font-weight: 300;
    color: var(--white);
    outline: none;
    transition: border-color 0.2s, box-shadow 0.2s;
    backdrop-filter: blur(8px);
  }

  .form-input:focus {
    border-color: rgba(200,216,236,0.35);
    box-shadow: 0 0 0 3px rgba(200,216,236,0.05);
  }

  .form-input::placeholder { color: rgba(139,164,191,0.35); font-weight: 300; }

  .btn-submit {
    font-family: 'DM Sans', sans-serif;
    font-size: 14px; font-weight: 500;
    border: none; border-radius: 10px;
    padding: 14px 28px;
    cursor: pointer; transition: all 0.2s;
    white-space: nowrap;
  }

  .btn-submit.homeowner {
    background: var(--frost);
    color: var(--deep);
  }
  .btn-submit.homeowner:hover { background: var(--white); transform: translateY(-1px); }

  .btn-submit.contractor {
    background: var(--gold);
    color: var(--deep);
  }
  .btn-submit.contractor:hover { background: #d4aa6a; transform: translateY(-1px); }

  .form-fine {
    font-size: 11px; color: rgba(139,164,191,0.35);
    margin-top: 10px; line-height: 1.6;
  }

  /* SUCCESS */
  .success-msg {
    display: none;
    padding: 18px 20px;
    background: rgba(122,191,160,0.08);
    border: 1px solid rgba(122,191,160,0.2);
    border-radius: 10px;
    font-size: 14px; color: var(--green);
    font-weight: 300; line-height: 1.6;
    animation: fadeUp 0.3s ease both;
  }

  .success-msg.visible { display: block; }
  .success-msg strong { font-weight: 500; }
  .form-row.hidden { display: none; }

  .error-msg {
    padding: 12px 14px;
    margin-bottom: 14px;
    border: 1px solid rgba(196,74,74,0.28);
    border-radius: 10px;
    background: rgba(196,74,74,0.08);
    color: #e6a0a0;
    font-size: 13px;
    line-height: 1.5;
  }

  /* FOOTER */
  .footer-strip {
    position: relative; z-index: 1;
    border-top: 1px solid var(--border);
    padding: 20px 32px;
    display: flex; align-items: center;
    justify-content: space-between;
    background: rgba(19,31,46,0.6);
  }

  .footer-logo {
    font-family: 'Cormorant Garamond', serif;
    font-size: 16px; font-weight: 700;
    color: rgba(200,216,236,0.35);
    text-decoration: none; letter-spacing: -0.3px;
  }
  .footer-logo em { font-style: italic; color: rgba(196,154,90,0.4); }

  .footer-copy { font-size: 11px; color: rgba(139,164,191,0.4); }

  /* DISCLAIMER */
  .disclaimer {
    font-size: 11px; color: rgba(139,164,191,0.4);
    line-height: 1.7; margin-top: 40px;
    padding-top: 24px;
    border-top: 1px solid rgba(200,216,236,0.07);
  }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(16px); }
    to   { opacity: 1; transform: translateY(0); }
  }