:root{--navy:#09243b;--blue:#123f63;--gold:#c79a4b;--cream:#f5f2ea;--ink:#142331;--muted:#61707c;--white:#fff;--line:#d9dee2;--shadow:0 24px 70px rgba(4,24,42,.13)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.6 Arial,Helvetica,sans-serif;background:#fff}.nav{height:88px;display:flex;align-items:center;justify-content:space-between;padding:0 max(5vw,24px);border-bottom:1px solid #e8ecef}.brand{display:flex;align-items:center;gap:12px;color:var(--navy);text-decoration:none;font-weight:700;letter-spacing:.12em}.brand small{display:block;font-size:.61rem;letter-spacing:.24em}.brand-mark{display:grid;place-items:center;width:42px;height:42px;border:1px solid var(--gold);font:700 1.6rem Georgia,serif;color:var(--gold)}.nav-link{color:var(--navy);text-decoration:none;font-weight:700}.hero{min-height:680px;padding:90px max(6vw,32px);display:grid;grid-template-columns:minmax(0,1.2fr) minmax(360px,.8fr);gap:7vw;align-items:center;background:linear-gradient(115deg,#f6f8f9 0%,#fff 58%,#edf3f6 100%);position:relative;overflow:hidden}.hero:after{content:"";position:absolute;width:460px;height:460px;border:1px solid rgba(199,154,75,.25);border-radius:50%;right:-260px;top:-80px}.eyebrow{color:var(--gold);font-size:.78rem;font-weight:800;letter-spacing:.16em;margin:0 0 16px}.hero h1{font:500 clamp(2.7rem,5vw,5.2rem)/1.02 Georgia,serif;color:var(--navy);max-width:800px;margin:0 0 24px}.lede{font-size:1.2rem;color:#485b69;max-width:720px}.trust-row{display:flex;gap:24px;flex-wrap:wrap;margin:30px 0}.trust-row span:before{content:"✓";color:var(--gold);margin-right:8px}.button{display:inline-block;border:0;border-radius:2px;padding:16px 24px;text-decoration:none;font-weight:800;cursor:pointer;font-size:1rem}.primary{background:var(--gold);color:#112538}.micro{font-size:.82rem;color:var(--muted)}.review-card{background:var(--navy);color:#fff;padding:46px;box-shadow:var(--shadow);position:relative;z-index:1}.card-kicker{font-size:.75rem;color:#e2bd78;letter-spacing:.16em;font-weight:800}.review-card h2{font:400 2rem/1.2 Georgia,serif;margin:10px 0 24px}.review-card ul{padding:0;list-style:none;margin:0}.review-card li{padding:12px 0 12px 28px;border-top:1px solid rgba(255,255,255,.14);position:relative}.review-card li:before{content:"—";position:absolute;left:0;color:var(--gold)}.process{padding:95px max(6vw,32px);background:var(--navy);color:#fff}.process>.eyebrow{text-align:center}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;max-width:1200px;margin:35px auto 0;background:rgba(255,255,255,.14)}.steps article{padding:42px;background:var(--navy)}.steps strong{color:var(--gold);font-size:.8rem}.steps h3{font:400 2rem Georgia,serif;margin:8px 0}.steps p{color:#bfcbd4}.assessment{padding:100px max(6vw,32px);display:grid;grid-template-columns:.72fr 1.28fr;gap:7vw;align-items:start}.assessment h2{font:400 clamp(2.2rem,4vw,3.8rem)/1.1 Georgia,serif;color:var(--navy);margin:0 0 22px}.assessment-intro>p:not(.eyebrow){font-size:1.1rem;color:var(--muted)}.fit-note{margin-top:30px;padding:22px;border-left:3px solid var(--gold);background:var(--cream)}.form-card{padding:38px;background:#fff;box-shadow:var(--shadow);border:1px solid #e5e9ec;min-height:500px}.progress{height:5px;background:#edf0f2;margin:-38px -38px 38px}.progress span{display:block;height:100%;background:var(--gold);width:20%;transition:width .3s}.step{display:none}.step.active{display:block}.step>label{display:block;font:400 1.7rem/1.25 Georgia,serif;color:var(--navy);margin-bottom:20px}.helper{color:var(--muted);margin-top:-12px}.choices{display:grid;grid-template-columns:1fr 1fr;gap:12px}.choices button{padding:16px;text-align:left;border:1px solid var(--line);background:#fff;color:var(--ink);font:600 1rem Arial;cursor:pointer}.choices button:hover,.choices button.selected{border-color:var(--gold);background:#fbf7ef}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field-grid div{display:flex;flex-direction:column;gap:6px}.field-grid .full{grid-column:1/-1}.field-grid span{font-weight:700;font-size:.88rem}.field-grid em{font-weight:400;color:var(--muted)}input,textarea{border:1px solid var(--line);padding:13px;font:inherit;width:100%}.consent{font:400 .8rem/1.4 Arial!important;color:var(--muted)!important;margin:18px 0!important;display:flex!important;gap:10px}.consent input{width:auto}.submit{width:100%}.back{margin-top:24px;border:0;background:none;color:var(--blue);cursor:pointer;font-weight:700}#form-status{color:var(--blue);font-weight:700}.success{text-align:center;padding:70px 20px}.success h3{font:400 2.5rem Georgia,serif;color:var(--navy);margin-bottom:12px}footer{padding:52px max(6vw,32px);background:#061927;color:#b9c5cd;display:grid;grid-template-columns:1fr 2fr auto;gap:40px;font-size:.86rem}footer a{color:#fff}.legal{font-size:.75rem;line-height:1.5}
@media(max-width:900px){.hero,.assessment{grid-template-columns:1fr}.hero{padding-top:60px}.steps{grid-template-columns:1fr}.review-card{padding:30px}.assessment{padding-top:70px}.choices{grid-template-columns:1fr}footer{grid-template-columns:1fr}.nav{height:74px}.nav-link{font-size:.85rem}}
@media(max-width:520px){.hero,.process,.assessment{padding-left:20px;padding-right:20px}.hero h1{font-size:2.65rem}.form-card{padding:24px}.progress{margin:-24px -24px 28px}.field-grid{grid-template-columns:1fr}.field-grid .full{grid-column:auto}.brand{font-size:.84rem}}
.honeypot{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.submit[disabled]{opacity:.68;cursor:wait}.error-message{color:#9a2d21;font-weight:700;margin-top:14px}.success-mark{display:grid;place-items:center;width:58px;height:58px;border-radius:50%;margin:0 auto 18px;background:var(--cream);color:#9b6500;font-size:1.7rem}

/* Fowler Financial Group brand system */
:root{--navy:#002867;--blue:#0a3d7c;--gold:#f9b600;--cream:#fff8e6;--ink:#102a4d;--muted:#5f6f84;--line:#d8e0ea;--shadow:0 24px 70px rgba(0,40,103,.14)}
.nav{height:96px;border-bottom:4px solid var(--gold);background:#fff}
.brand{display:flex;align-items:center;letter-spacing:normal}
.brand img{display:block;width:min(340px,52vw);height:auto}
.hero{background:linear-gradient(115deg,#f4f7fb 0%,#fff 58%,#eef4fb 100%)}
.hero:after{border-color:rgba(249,182,0,.34)}
.eyebrow{color:#df8c00}
.primary{background:linear-gradient(135deg,#ffc400,#ef9700);color:var(--navy)}
.review-card{border-top:7px solid var(--gold)}
.card-kicker{color:#ffd872}
footer{background:#001b45}
@media(max-width:900px){.nav{height:82px}.brand img{width:min(285px,54vw)}}
@media(max-width:520px){.nav{padding-left:14px;padding-right:14px}.brand img{width:215px}.nav-link{font-size:.75rem}}