/* === RESET & BASE === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#1B2A5E;--olive:#4B6B2F;--green:#3D8B37;--amber:#BA7517;--red:#B91C1C;--white:#FFFFFF;--gray:#F7F8FA;--text:#1a1a1a;--radius:12px;--radius-btn:50px}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{font-family:'Poppins',sans-serif;font-weight:400;color:var(--text);line-height:1.65;background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block;border-radius:var(--radius)}
a{color:inherit;text-decoration:none}
h1,h2,h3{line-height:1.2;font-weight:700}
h1{font-size:clamp(1.75rem,4vw,2.75rem)}
h2{font-size:clamp(1.5rem,3vw,2.25rem);margin-bottom:.75rem}
h3{font-size:1.125rem}
.container{max-width:1080px;margin:0 auto;padding:0 1.25rem}
.eyebrow{display:block;font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--olive);margin-bottom:.5rem}
.eyebrow--light{color:rgba(255,255,255,.6)}
.text-amber{color:var(--amber)}
.text-crimson{color:#B91C1C}
.text-white{color:var(--white)}
.text-center{text-align:center}
.subtitle{max-width:640px;color:#555;margin-bottom:2rem}

/* === SECTION HEADER (centered pattern) === */
.section-header{text-align:center;max-width:720px;margin:0 auto 2.5rem}
.section-header .subtitle{margin-left:auto;margin-right:auto}
.section-header h2{margin-bottom:1rem}

/* === BUTTONS === */
.btn{display:inline-block;background:var(--green);color:var(--white);font-family:inherit;font-weight:600;font-size:.9rem;padding:.8rem 1.75rem;border-radius:var(--radius-btn);border:2px solid var(--green);cursor:pointer;transition:all .25s ease}
.btn:hover{opacity:.88;transform:translateY(-1px);box-shadow:0 4px 16px rgba(61,139,55,.25)}
.btn--outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--outline:hover{background:var(--navy);color:var(--white)}
.btn--sm{padding:.55rem 1.25rem;font-size:.8rem}
.btn--lg{padding:1rem 2.25rem;font-size:1rem}
.btn--full{width:100%}

/* === SECTION CTA (centered green button per section) === */
.section-cta{text-align:center;margin-top:2.5rem}

/* === BADGES & TAGS === */
.badge{display:inline-block;font-size:.65rem;font-weight:700;letter-spacing:.08em;padding:.35rem .85rem;border-radius:var(--radius-btn);margin-bottom:1rem}
.badge--amber{background:#FFF3DE;color:var(--amber)}
.badge--sm{font-size:.6rem;padding:.25rem .65rem;margin-bottom:0}
.badge--link{text-decoration:none;transition:all .2s;cursor:pointer}
.badge--link:hover{background:#FDECC8;transform:translateY(-1px);box-shadow:0 2px 8px rgba(186,117,23,.15)}
.badge__link-text{text-decoration:underline;text-underline-offset:2px}
.tag{display:inline-block;font-size:.7rem;font-weight:600;padding:.3rem .7rem;border-radius:var(--radius-btn);margin:.2rem .2rem}
.tag--red{background:#FCEBEB;color:var(--red)}
.tag--green{background:#EAF3DE;color:var(--olive)}
.check{font-size:.78rem;font-weight:500;color:var(--olive)}
.check::before{content:"✓ "}

/* === NAV === */
.nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid #eee;height:72px}
.nav__inner{display:flex;align-items:center;justify-content:space-between;height:72px}
.nav__logo img{height:54px;width:auto}
.nav__toggle{display:flex;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:4px}
.nav__toggle span{width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s}
.nav__toggle.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav__toggle.active span:nth-child(2){opacity:0}
.nav__toggle.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav__menu{display:none;position:absolute;top:64px;left:0;right:0;background:var(--white);padding:1.5rem;border-bottom:1px solid #eee;flex-direction:column;gap:1rem;align-items:flex-start}
.nav__menu.open{display:flex}
.nav__link{font-size:.85rem;font-weight:500}

/* === HERO === */
.hero{padding:7.5rem 0 3.5rem;background:var(--white)}
.hero__center{text-align:center;max-width:780px;margin:0 auto}
.hero__headline{font-size:clamp(2rem,5.5vw,3.5rem);letter-spacing:-.02em;margin-bottom:1.25rem;line-height:1.1}
.hero__block{max-width:640px;margin:0 auto;background:var(--gray);border-left:4px solid var(--navy);border-radius:0 var(--radius) var(--radius) 0;padding:1.25rem 1.75rem}
.hero__block p{font-size:clamp(1rem,1.8vw,1.15rem);color:#444;line-height:1.75;margin:0;text-align:left}
.hero__block strong{color:var(--navy)}
.hero__carousel-wrap{max-width:960px;margin:2.5rem auto 0;padding:0 1.25rem}
.hero__carousel{position:relative;border-radius:var(--radius);overflow:hidden;aspect-ratio:16/9}
.carousel-img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover;border-radius:var(--radius);opacity:0;transition:opacity .8s ease}
.carousel-img.active{opacity:1}
.carousel-dots{position:absolute;bottom:14px;left:50%;transform:translateX(-50%);display:flex;gap:10px;z-index:2}
.dot{width:10px;height:10px;border-radius:50%;background:rgba(255,255,255,.4);border:2px solid rgba(255,255,255,.8);cursor:pointer;transition:all .2s;padding:0}
.dot.active{background:#fff;transform:scale(1.25)}
.hero__villain-intro{text-align:center;font-size:clamp(1.25rem,2.5vw,1.75rem);font-weight:700;color:var(--navy);margin:3.5rem 0 1.25rem;letter-spacing:-.01em;line-height:1.2}
.hero__villains{display:flex;flex-wrap:wrap;justify-content:center;gap:.5rem;margin-bottom:2rem}
.villain-pill{font-size:.9rem;font-weight:500;color:#555;padding:.5rem 1.25rem;border:1px solid #ddd;border-radius:var(--radius-btn);background:var(--gray);transition:all .25s;cursor:pointer;position:relative}
.villain-pill:hover{border-color:#B91C1C;color:#B91C1C;background:#FEF2F2;transform:translateY(-2px);box-shadow:0 4px 12px rgba(185,28,28,.12)}
.villain-pill::after{content:attr(data-tip);position:absolute;bottom:calc(100% + 10px);left:50%;transform:translateX(-50%) scale(.95);background:var(--navy);color:#fff;font-size:.78rem;font-weight:400;line-height:1.5;padding:.75rem 1rem;border-radius:8px;width:260px;text-align:left;opacity:0;pointer-events:none;transition:all .2s ease;z-index:10;box-shadow:0 8px 24px rgba(0,0,0,.2)}
.villain-pill::before{content:'';position:absolute;bottom:calc(100% + 4px);left:50%;transform:translateX(-50%);border:6px solid transparent;border-top-color:var(--navy);opacity:0;pointer-events:none;transition:opacity .2s}
.villain-pill:hover::after{opacity:1;transform:translateX(-50%) scale(1)}
.villain-pill:hover::before{opacity:1}
.hero__brand-line{text-align:center;font-size:clamp(1.1rem,2vw,1.35rem);color:var(--navy);margin-bottom:1.75rem;letter-spacing:.01em}
.brand-net{font-weight:700;color:var(--navy) !important}
.brand-watt{font-weight:700;color:var(--olive) !important}
.brand-sys{font-weight:700;color:var(--navy) !important}
.footer .brand-net{color:#fff !important}
.footer .brand-watt{color:#8BB87A !important}
.footer .brand-sys{color:#fff !important}
.footer__logo-text{font-family:'Poppins',sans-serif;font-size:1.75rem;font-weight:700;line-height:1.1;display:inline-block}
.hero__cta{text-align:center;margin-bottom:1.5rem}
.hero__checks{display:flex;flex-wrap:wrap;justify-content:center;gap:.6rem 1.5rem}
.check{font-size:.88rem}

/* === SECTION 2 — VILLAIN === */
.villain{padding:5rem 0;background:var(--gray)}
.stat-grid{display:grid;gap:1.5rem;margin-bottom:2.5rem}
.stat-card{background:var(--white);padding:2rem;border-radius:var(--radius);transition:all .3s ease;border:1px solid transparent}
.stat-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(0,0,0,.08);border-color:#eee}
.stat-card__num{display:block;font-size:clamp(1.75rem,3vw,2.25rem);font-weight:800;margin-bottom:.5rem;line-height:1.1}
.stat-card__title{display:block;font-size:1rem;margin-bottom:.5rem}
.stat-card__desc{font-size:.9rem;color:#555;line-height:1.6;margin-bottom:.75rem}
.stat-card__source{display:inline-block}
.stat-card__source .badge{margin-bottom:0}
.wide-image{margin:0;border-radius:var(--radius);overflow:hidden}
.wide-image img{width:100%;object-fit:cover;max-height:360px;border-radius:var(--radius)}

/* === SECTION 3 — GUIDE (merged with Plan) === */
.guide{padding:5rem 0;background:var(--white)}
.guide__subtitle-full{width:100%;margin:0 0 2.5rem;background:var(--gray);border-left:4px solid var(--olive);border-radius:0 var(--radius) var(--radius) 0;padding:1.25rem 2rem;box-sizing:border-box}
.guide__subtitle-full p{font-size:.93rem;color:#444;line-height:1.7;text-align:left;margin:0}
.guide__intro{margin-bottom:3rem}
.guide__text p{font-size:.95rem;color:#444;margin-bottom:1rem;line-height:1.7}
/* Co-brand partnership display */
.cobrand{display:flex;align-items:center;justify-content:center;gap:2rem;margin:2rem 0;padding:1.5rem 2.5rem;background:var(--gray);border:1px solid #e5e5e5;border-radius:var(--radius);flex-wrap:wrap}
.cobrand__logo{height:44px;width:auto;flex-shrink:0}
.cobrand__divider{display:flex;flex-direction:column;align-items:center;gap:0;padding:0 .5rem}
.cobrand__divider::before{content:'';display:none}
.cobrand__label{font-size:.65rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:#888;white-space:nowrap}

/* Guide horizontal stats row */
.guide__stats{display:grid;grid-template-columns:repeat(2,1fr);gap:.75rem;margin-top:0;align-content:center;height:100%}
.guide-stat{background:var(--gray);border-radius:var(--radius);padding:1.25rem;text-align:center;border:1px solid #eee;transition:all .25s ease}
.guide-stat:hover{transform:translateY(-2px);box-shadow:0 4px 12px rgba(0,0,0,.05);border-color:#ddd}
.guide-stat strong{display:block;font-size:1.1rem;color:var(--navy);margin-bottom:.2rem}
.guide-stat span{font-size:.8rem;color:#666}

/* Jeff Frahm section — rectangular photo */
.jeff{display:flex;flex-direction:column;align-items:center;text-align:center;margin-bottom:3.5rem;padding:3rem 2rem;background:var(--gray);border-radius:var(--radius);border:1px solid #eee}
.jeff__photo{width:180px;height:220px;border-radius:var(--radius);object-fit:cover;margin-bottom:1.25rem;border:4px solid var(--white);box-shadow:0 8px 24px rgba(0,0,0,.1)}
.jeff__text{max-width:520px}
.jeff__text strong{display:block;font-size:1.2rem;margin-bottom:.15rem}
.jeff__role{display:block;font-size:.85rem;color:var(--olive);font-weight:600;margin-bottom:.75rem}
.jeff__text p{font-size:.95rem;color:#555;margin-bottom:1.25rem;line-height:1.7}

/* Solutions header (within guide section) */
.solutions-header{text-align:center;margin-bottom:2rem;margin-top:1rem}
.solutions-title{font-size:clamp(1.25rem,2.5vw,1.75rem);margin-bottom:0}

/* Solution cards */
.solutions{display:flex;flex-direction:column;gap:1rem}
.sol-card{display:flex;flex-wrap:wrap;align-items:flex-start;gap:1rem;background:var(--gray);padding:1.75rem;border-radius:var(--radius);transition:all .3s ease;border:1px solid transparent}
.sol-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(0,0,0,.08);border-color:#eee}
.sol-card__num{font-size:1.5rem;font-weight:800;color:var(--navy);width:52px;height:52px;background:var(--white);border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.sol-card__body{flex:1;min-width:200px}
.sol-card__body h3{margin:.4rem 0 .35rem;font-size:1.1rem}
.sol-card__body p{font-size:.9rem;color:#555;line-height:1.6}
.sol-card__pct{font-size:1.35rem;font-weight:800;color:var(--green);text-align:right;line-height:1.15}
.sol-card__pct small{display:block;font-size:.7rem;font-weight:500;color:#777}
.guarantee{background:var(--green);color:var(--white);text-align:center;padding:1.5rem 2rem;border-radius:var(--radius);font-size:.95rem;margin-top:2rem;line-height:1.6}

/* === SECTION 4 — PROCESS === */
.process{padding:5rem 0;background:var(--gray)}
.step-grid{display:grid;gap:1.5rem}
.step-card{background:var(--white);border-radius:var(--radius);overflow:hidden;transition:all .3s ease;border:1px solid transparent}
.step-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(0,0,0,.08);border-color:#eee}
.step-card__img{overflow:hidden}
.step-card__img img{width:100%;height:220px;object-fit:cover;border-radius:0;transition:transform .4s ease}
.step-card:hover .step-card__img img{transform:scale(1.03)}
.step-card__body{padding:1.5rem}
.step-card__num{display:block;font-size:.75rem;font-weight:700;color:var(--green);letter-spacing:.1em;text-transform:uppercase;margin-bottom:.35rem}
.step-card h3{margin-bottom:.5rem}
.step-card p{font-size:.9rem;color:#555;line-height:1.6}

/* === SECTION 5 — CALCULATOR === */
.calculator{padding:5rem 0;background:var(--navy)}
.calc__grid{display:grid;gap:2rem;margin-top:.5rem}
.calc__input label{display:block;color:rgba(255,255,255,.7);font-size:.85rem;font-weight:600;margin-bottom:.5rem}
.calc__display{display:block;font-size:clamp(2rem,4vw,3rem);font-weight:800;color:var(--white);margin-bottom:.75rem}
input[type="range"]{-webkit-appearance:none;width:100%;height:6px;border-radius:3px;background:linear-gradient(to right,var(--green) 50%,rgba(255,255,255,.2) 50%);outline:none;margin-bottom:.35rem}
input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--green);cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,.2)}
input[type="range"]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--green);cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(0,0,0,.2)}
.calc__range-labels{display:flex;justify-content:space-between;font-size:.75rem;color:rgba(255,255,255,.4);margin-bottom:1.75rem}
select{width:100%;padding:.75rem;border-radius:8px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.1);color:var(--white);font-family:inherit;font-size:.9rem;margin-bottom:.5rem}
select option{color:var(--text);background:var(--white)}
.calc__results{background:rgba(255,255,255,.07);border-radius:var(--radius);padding:1.75rem}
.calc__row{display:flex;justify-content:space-between;padding:.85rem 0;border-bottom:1px solid rgba(255,255,255,.1);color:rgba(255,255,255,.8);font-size:.9rem}
.calc__row span:last-child{font-weight:700;color:var(--white)}
.calc__total{margin-top:1.25rem;background:var(--green);border-radius:var(--radius);padding:1.5rem;text-align:center}
.calc__total small{display:block;font-size:.7rem;font-weight:700;letter-spacing:.1em;color:rgba(255,255,255,.7);margin-bottom:.35rem}
.calc__total span{display:block;font-size:clamp(1.75rem,3vw,2.25rem);font-weight:800;color:var(--white)}
.calc__total em{display:block;font-size:.85rem;color:rgba(255,255,255,.85);margin-top:.35rem;font-style:normal}

/* === SECTION 6 — STAKES === */
.stakes{padding:5rem 0;background:var(--gray)}
.stakes h2{font-size:clamp(1.5rem,3.5vw,2.25rem);color:var(--navy);margin-bottom:.5rem}
.stakes__grid{display:grid;gap:2.5rem;position:relative}
.stakes__card{border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.stakes__list{flex:1}
.stakes__card--save{border:3px solid #3D8B37;box-shadow:0 4px 24px rgba(61,139,55,.12)}
.stakes__card--spend{border:3px solid #B91C1C;box-shadow:0 4px 24px rgba(185,28,28,.12)}
.stakes__logo-area{background:#fff;padding:2.5rem 2rem 2rem;text-align:center}
.stakes__logo-area img{height:70px;width:auto;margin:0 auto;display:block}
.stakes__title{text-align:center;padding:.85rem 2rem;font-size:1.15rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.stakes__title--save{background:#3D8B37;color:#fff}
.stakes__title--spend{background:#B91C1C;color:#fff}
.stakes__list{padding:1.75rem 2.25rem;margin:0}
.stakes__list--save{background:#EBF5E3}
.stakes__list--spend{background:#FDE8E8}
.stakes__list li{list-style:none;padding:.75rem 0 .75rem 2.25rem;font-size:1rem;position:relative;line-height:1.55;border-bottom:1px solid rgba(0,0,0,.06);color:#333}
.stakes__list li:last-child{border-bottom:none}
.stakes__list--save li::before{content:"✓";font-size:1rem;font-weight:700;color:#3D8B37;position:absolute;left:0;top:.8rem}
.stakes__list--spend li::before{content:"✗";font-size:1rem;font-weight:700;color:#B91C1C;position:absolute;left:0;top:.8rem}
.stakes__vs{display:flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;font-size:.9rem;font-weight:800;letter-spacing:.05em;margin:0 auto;position:relative;z-index:2;box-shadow:0 4px 16px rgba(27,42,94,.3)}

/* === SECTION 7 — URGENCY (State Carousel) === */
.urgency{background:#FFF8E6;border-top:3px solid var(--amber);padding:2.5rem 0}
.urgency__inner{text-align:center;max-width:640px;margin:0 auto}
.urgency__carousel{position:relative;min-height:3rem;display:flex;align-items:center;justify-content:center;margin-bottom:.75rem}
.urgency__slide{position:absolute;left:0;right:0;opacity:0;transform:translateY(8px);transition:opacity .5s ease,transform .5s ease;pointer-events:none}
.urgency__slide.active{position:relative;opacity:1;transform:translateY(0);pointer-events:auto}
.urgency__slide strong{display:block;font-size:clamp(1.1rem,2vw,1.3rem);color:var(--text)}
.urgency__question{font-size:1rem;font-weight:600;color:var(--amber);margin-bottom:.5rem}
.urgency__source{display:inline-block;font-size:.75rem;color:var(--amber);font-weight:500;text-decoration:underline;text-underline-offset:2px;margin-bottom:1rem}
.urgency__source:hover{color:#8a5a10}
.urgency__cta{margin-top:.5rem}

/* === SECTION 8 — CTA / FORM === */
.cta-section{padding:5rem 0;background:var(--white)}
.cta__grid{display:grid;gap:2.5rem}
.cta__text h2{margin-bottom:1rem;font-size:clamp(1.5rem,3vw,2.25rem)}
.cta__text>p{font-size:.95rem;color:#444;margin-bottom:1.25rem;line-height:1.7}
.promise-list{list-style:none;margin-bottom:1.5rem}
.promise-list li{font-size:.95rem;padding:.4rem 0 .4rem 1.75rem;position:relative;font-weight:500}
.promise-list li::before{content:"✓";color:var(--green);font-weight:700;position:absolute;left:0;font-size:1rem}
.mini-proof{display:flex;gap:1.5rem;flex-wrap:wrap;margin-top:.75rem;padding-top:1rem;border-top:1px solid #eee}
.mini-proof__item{text-align:center}
.mini-proof__item strong{color:var(--navy);display:block;font-size:1.15rem}
.mini-proof__item span{font-size:.8rem;color:#555}
.cta__form form{background:var(--gray);padding:2rem;border-radius:var(--radius);display:flex;flex-direction:column;gap:.75rem;border:1px solid #eee}
.cta__form input,.cta__form select{width:100%;padding:.8rem 1rem;border:1px solid #ddd;border-radius:8px;font-family:inherit;font-size:.9rem;background:var(--white);transition:border-color .2s;color:var(--text)}
.cta__form input:focus,.cta__form select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(61,139,55,.1)}
.cta__form select{color:var(--text)}
.form-note{font-size:.8rem;color:#888;text-align:center;margin-top:1rem;line-height:1.6}
.form-note a{color:var(--green);font-weight:500}
.form-note strong{color:#555;font-weight:600}
.form-alt{display:flex;flex-direction:column;align-items:center;gap:.75rem;margin-top:1.5rem;padding-top:1.5rem;border-top:1px solid #e5e5e5}
.form-alt p{font-size:.9rem;color:#888;margin:0}
.form-alt a:not(.btn){color:var(--green);font-weight:500}

/* === TRUST === */
.trust{padding:2.5rem 0;background:var(--gray)}
.trust__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;text-align:center}
.trust__item{padding:1rem;font-size:.85rem;color:var(--navy);display:flex;flex-direction:column;align-items:center;gap:.5rem}
.trust__item strong{font-size:.85rem;letter-spacing:.04em}
.trust__item svg{opacity:.6}

/* === FOOTER === */
.footer{background:var(--navy);color:rgba(255,255,255,.7);padding:3.5rem 0 2rem}
.footer__inner{text-align:center}
.footer__brand img{margin:0 auto .75rem;filter:brightness(0) invert(1)}
.footer__tagline{font-size:.95rem;color:var(--white);font-weight:600}
.footer__geo{font-size:.85rem;margin-top:.25rem;color:rgba(255,255,255,.5)}
.footer__links{display:flex;flex-wrap:wrap;justify-content:center;gap:.75rem 1.5rem;margin:2rem 0;font-size:.85rem}
.footer__links a{transition:color .2s}
.footer__links a:hover{color:var(--white)}
.footer__copy{font-size:.75rem;color:rgba(255,255,255,.4);margin-top:1.5rem}
.footer__copy a{color:rgba(255,255,255,.6);text-decoration:underline;text-underline-offset:2px}
.footer__copy a:hover{color:var(--white)}

/* === ANIMATIONS === */
.fade-in{opacity:0;transform:translateY(20px);transition:opacity .7s ease,transform .7s ease}
.fade-in.visible{opacity:1;transform:translateY(0)}

/* === DESKTOP (768px+) === */
@media(min-width:768px){
  .nav__toggle{display:none}
  .nav__menu{display:flex;position:static;flex-direction:row;align-items:center;gap:1.75rem;padding:0;border:none;background:transparent}
  .nav__phone{display:inline}
  .hero__carousel-wrap{padding:0 2rem}
  .stat-grid{grid-template-columns:repeat(3,1fr)}
  .guide__intro{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
  .guide__stats{grid-template-columns:repeat(2,1fr);margin-top:0;align-content:center}
  .jeff{flex-direction:row;text-align:left;gap:2.5rem;padding:2.5rem 3rem}
  .jeff__photo{margin-bottom:0;flex-shrink:0}
  .step-grid{grid-template-columns:repeat(3,1fr)}
  .calc__grid{grid-template-columns:1fr 1fr;align-items:start}
  .stakes__grid{grid-template-columns:1fr 56px 1fr;gap:2rem;align-items:stretch}
  .stakes__vs{align-self:center;margin-top:0;position:sticky;top:50%}
  .cta__grid{grid-template-columns:1fr 1fr;align-items:start}
  .trust__grid{grid-template-columns:repeat(4,1fr)}
}

/* === IPMVP BAR === */
.ipmvp-bar{padding:1.25rem 0;background:var(--navy);color:rgba(255,255,255,.8);font-size:.95rem}
.ipmvp-bar strong{color:var(--white)}

/* === IDENTITY BLOCK (in Guide section) === */
.identity-block{display:flex;align-items:flex-start;gap:1.25rem;background:var(--gray);border:1px solid #e5e5e5;border-radius:var(--radius);padding:1.5rem 1.75rem;margin:1.5rem 0;max-width:100%}
.identity-block img{height:50px;width:auto;flex-shrink:0;margin-top:.15rem}
.identity-block p{color:#444;font-size:.9rem;line-height:1.65;margin:0}

/* === NAV PHONE === */
.nav__phone{font-size:.85rem;font-weight:600;color:var(--navy);display:none}

/* === CALCULATOR DISCLAIMER === */
.calc__disclaimer{font-size:.78rem;color:rgba(255,255,255,.35);text-align:center;max-width:400px;margin:.75rem auto 0;line-height:1.55}

/* === PROOF CARDS === */
.proof-section{padding:5rem 0;background:var(--gray)}
.proof-grid{display:grid;gap:1.5rem;margin-bottom:2.5rem}
.proof-card{background:var(--white);border-radius:var(--radius);padding:2rem;border:1px solid transparent;transition:all .3s ease}
.proof-card:hover{transform:translateY(-4px);box-shadow:0 12px 32px rgba(0,0,0,.08);border-color:#eee}
.proof-card__meta{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--olive);margin-bottom:.75rem}
.proof-card__stat{font-size:clamp(2rem,4vw,2.75rem);font-weight:800;color:var(--navy);line-height:1.1;margin-bottom:.25rem}
.proof-card__label{font-size:.85rem;font-weight:600;color:#444;margin-bottom:.75rem}
.proof-card__desc{font-size:.85rem;color:#666;line-height:1.6}
@media(min-width:768px){.proof-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1024px){.proof-grid{grid-template-columns:repeat(4,1fr)}}