:root{--bg:#F9FAFB;--sage:#EEF5EF;--accent:#0B6B3A;--accent-dark:#084A2E;--ink:#13261B;--honey:#F6C453;--muted:#4B5563;--line:#CFE3D4;--divider:#E5E7EB;--display:"Plus Jakarta Sans",Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);font:18px/1.65 Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;padding-bottom:84px}
a{color:var(--accent)}
svg{flex:none}
p{margin:0 0 12px}
.top{background:#fff;border-bottom:1px solid var(--divider);position:sticky;top:0;z-index:20}
.bar{max-width:1120px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;min-height:64px}
.brand{display:inline-flex;align-items:center;min-height:44px}
.brand img{display:block;height:36px;width:auto}
.top nav{display:flex;align-items:center;gap:28px}
.top nav a{display:inline-flex;align-items:center;gap:8px;min-height:44px;font-family:var(--display);font-size:16px;font-weight:600;text-decoration:none;color:var(--ink)}
.top nav a.phone{color:var(--accent)}
.top nav .nav-all,.top nav .phone{display:none}
.wrap{max-width:720px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 28px;border-radius:999px;border:0;background:var(--accent);color:#fff;font-family:var(--display);font-size:17px;font-weight:600;text-decoration:none;cursor:pointer;box-shadow:0 6px 16px rgba(11,107,58,.22);transition:background .15s ease}
.btn:hover{background:var(--accent-dark)}
.btn:active{background:var(--accent-dark)}
.btn.ghost{background:#fff;color:var(--accent);box-shadow:inset 0 0 0 2px var(--accent)}
.btn.ghost:hover{background:var(--sage);box-shadow:inset 0 0 0 2px var(--accent)}
.diagram{margin:16px 0 0}
.diagram svg{display:block;width:100%;height:auto}
.diagram figcaption{font-size:16px;color:var(--muted);margin-top:8px}
.band .btn{box-shadow:0 6px 16px rgba(0,0,0,.18)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:0}
.hero{background:var(--sage)}
.hero-in{max-width:1120px;margin:0 auto;padding:20px 20px 24px;display:grid;gap:14px}
.eyebrow{font-family:var(--display);font-size:16px;font-weight:600;color:var(--accent);margin:0 0 12px}
.hero h1,h1{font-family:var(--display);font-size:34px;line-height:1.12;font-weight:700;letter-spacing:-.02em;margin:0 0 12px}
mark{background:var(--honey);color:inherit;padding:0 .12em;border-radius:.18em;box-decoration-break:clone;-webkit-box-decoration-break:clone}
.sub{font-size:20px;line-height:1.5;margin:0 0 4px}
.hero .actions{display:none}
.proof{display:flex;flex-wrap:wrap;gap:8px 20px;list-style:none;padding:0;margin:8px 0 0;font-family:var(--display);font-size:16px;font-weight:600}
.proof li{display:inline-flex;align-items:center;margin:0}
.proof li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--honey);margin-right:8px}
.hero-img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-radius:20px}
main.wrap{padding-top:40px;padding-bottom:0}
section+section{margin-top:56px}
.lede{font-size:20px;line-height:1.6}
h2{font-family:var(--display);font-size:26px;line-height:1.2;font-weight:600;letter-spacing:-.01em;margin:0 0 12px}
h3{font-size:20px;font-weight:600;margin:0 0 4px}
ul{padding-left:22px}
li{margin:6px 0}
ol{list-style:none;padding:0;margin:12px 0;counter-reset:step}
ol>li{counter-increment:step;position:relative;margin:0;padding:0 0 28px 60px}
ol>li::before{content:counter(step);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--honey);color:var(--ink);display:flex;align-items:center;justify-content:center;font-family:var(--display);font-weight:600}
ol>li:not(:last-child)::after{content:"";position:absolute;left:19px;top:48px;bottom:6px;width:2px;background:var(--line)}
ol>li:last-child{padding-bottom:0}
table{width:100%;border-collapse:collapse;margin:12px 0}
th{font-size:16px;font-weight:600;color:var(--muted);text-align:left;padding:12px;border-bottom:2px solid var(--divider)}
td{vertical-align:top;padding:16px 12px;border-bottom:1px solid var(--divider)}
td:first-child{font-weight:600}
.vs{background:var(--sage);border-radius:28px;padding:24px 20px}
.vs h2{margin-bottom:16px}
.vs-head{display:none}
.vs-row{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:12px 0}
.vs-row+.vs-row{border-top:1px solid var(--line)}
.vs-q{grid-column:1/-1;font-size:16px;font-weight:600;color:var(--muted);margin:0}
.vs-no{color:var(--muted);padding:14px 16px;margin:0}
.vs-yes{background:#fff;border-radius:16px;padding:14px 16px;font-weight:600;margin:0}
.vs-no::before,.vs-yes::before{display:block;font-size:14px;font-weight:600;color:var(--muted);margin-bottom:4px}
.vs-no::before{content:"Without a trust"}
.vs-yes::before{content:"With ECS";color:var(--accent)}
.nudge{border-top:1px solid var(--divider);border-bottom:1px solid var(--divider);padding:28px 0;margin:40px 0}
.nudge p{font-family:var(--display);font-size:20px;font-weight:600;margin:0 0 16px}
.why{list-style:none;padding:0;margin:0}
.why li{margin:0;padding:20px 0;border-top:1px solid var(--divider)}
.why strong{display:block;font-family:var(--display);font-size:20px;font-weight:600;margin-bottom:4px}
.why li:first-child strong{font-size:24px}
.facts{margin:0}
.facts div{padding:16px 0;border-bottom:1px solid var(--divider)}
.facts dt{font-weight:600}
.facts dd{margin:2px 0 0}
details{border-bottom:1px solid var(--divider)}
details:first-of-type{border-top:1px solid var(--divider)}
summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:56px;padding:14px 0;font-weight:600}
summary::-webkit-details-marker{display:none}
summary svg{transition:transform .15s}
details[open] summary svg{transform:rotate(180deg)}
details p{margin:0 0 16px}
.related{list-style:none;padding:0;margin:0}
.related li{margin:0}
.related a{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:56px;padding:12px 0;border-bottom:1px solid var(--divider);font-weight:600;text-decoration:none}
.related a svg{transform:rotate(-90deg);color:var(--accent)}
.band{background:var(--accent);color:#fff;margin-top:56px;padding:48px 0 56px}
.band h2{color:#fff;font-size:28px;margin:0 0 8px}
.band p{color:#E3F1E7}
.band .btn{background:#fff;color:var(--accent)}
.band .btn.ghost{background:rgba(255,255,255,.14);color:#fff;box-shadow:none}
footer{background:var(--bg);padding:32px 0 40px;color:var(--muted);font-size:16px}
footer p{margin:6px 0}
footer a{display:inline-flex;align-items:center;min-height:44px;color:var(--muted)}
a:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.dock{position:fixed;left:0;right:0;bottom:0;z-index:10;background:#fff;border-top:1px solid var(--divider);padding:10px 16px calc(10px + env(safe-area-inset-bottom));display:flex;gap:12px}
.dock .btn{flex:1}
@media (max-width:759px){
table,thead,tbody,tr,td{display:block}
thead{display:none}
tr{padding:14px 0;border-bottom:1px solid var(--divider)}
td{border:0;padding:2px 0}
td:nth-child(3){font-size:16px;color:var(--muted)}
td:nth-child(3)::before{content:"When: "}
}
@media (min-width:760px){
.dock{display:none}
body{padding-bottom:0}
.brand img{height:40px}
.top nav .nav-all,.top nav .phone{display:inline-flex}
.hero .actions{display:flex;margin:8px 0 4px}
.hero-in{grid-template-columns:1.1fr .9fr;gap:64px;align-items:center;padding:72px 20px 80px}
.hero h1,h1{font-size:44px;max-width:16ch}
.sub{font-size:22px}
.hero-img{aspect-ratio:4/3;border-radius:28px}
main.wrap{padding-top:48px}
section+section{margin-top:72px}
h2{font-size:34px;line-height:1.15}
.vs{padding:28px 24px}
.vs-head{display:grid;grid-template-columns:220px 1fr 1fr;gap:16px;font-size:16px;font-weight:600;color:var(--muted);padding:0 0 8px}
.vs-head span:last-child{color:var(--accent)}
.vs-row{grid-template-columns:220px 1fr 1fr;gap:16px;align-items:start}
.vs-q{grid-column:auto;font-size:18px;color:var(--ink);padding:14px 0}
.vs-no::before,.vs-yes::before{display:none}
.why{display:grid;grid-template-columns:1fr 1fr;gap:0 40px}
.why li:first-child{grid-column:1/-1}
.facts div{display:grid;grid-template-columns:200px 1fr;gap:24px}
.band{margin-top:72px}
}
@media (min-width:1024px){.hero h1,h1{font-size:52px;line-height:1.08}}
.calc{background:var(--sage);border-radius:20px;padding:20px;margin:12px 0}
.calc label{display:block;font-weight:600;margin:0 0 6px}
.calc-row{display:flex;align-items:center;background:#fff;border:2px solid var(--line);border-radius:12px;padding:0 14px;margin:0 0 14px}
.calc-dollar{color:var(--muted);font-weight:600;margin-right:4px}
.calc input[type=text]{flex:1;min-width:0;min-height:52px;border:0;outline:0;box-shadow:none;font:inherit;font-size:20px;background:transparent;-webkit-appearance:none;appearance:none;border-radius:0}
.calc fieldset{border:0;padding:0;margin:0 0 14px;display:flex;gap:16px;flex-wrap:wrap}
.calc legend{font-weight:600;margin-bottom:6px}
.calc fieldset label{display:inline-flex;align-items:center;gap:8px;min-height:44px;font-weight:400}
.calc input[type=radio]{width:22px;height:22px;accent-color:var(--accent)}
.calc-out{margin:16px 0 0;font-size:18px}
.calc-note{font-size:15px;color:var(--muted);margin:12px 0 0}
.calc-row:focus-within{border-color:var(--accent);box-shadow:0 0 0 3px var(--sage)}
/* Referral and call-back forms (public/learn/refer.js). Without JavaScript only .refer-nojs shows. */
.refer{margin:24px 0 0}
.refer-card,.refer-ok,.refer-fail{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:16px;padding:24px 20px;max-width:440px}
.refer-card[hidden]{display:none}
.refer-card h3,.refer-ok h3,.refer-fail h3{font-size:22px;line-height:1.25;font-weight:700;margin:0 0 4px}
.refer-sub{margin:0 0 16px;font-size:16px;color:var(--muted)}
.refer-field{margin:0 0 16px}
.refer-field label,.refer-who legend{display:block;font-size:16px;font-weight:600;margin:0 0 6px;padding:0}
.refer-field .opt{font-weight:400;color:var(--muted)}
.refer-field input,.refer-field textarea{display:block;width:100%;min-height:52px;padding:0 14px;border:1px solid #9CA3AF;border-radius:12px;background:#fff;color:var(--ink);font:inherit;font-size:18px}
.refer-field textarea{min-height:88px;padding:12px 14px;resize:vertical}
.refer-field input:focus-visible,.refer-field textarea:focus-visible{outline:3px solid var(--accent);outline-offset:1px}
.refer-who{border:0;padding:0;margin:0 0 16px}
.refer-who .choices{display:grid;gap:8px}
.refer-who label{position:relative;display:flex;align-items:center;min-height:52px;margin:0}
.refer-who input{position:absolute;opacity:0;width:100%;height:100%;margin:0;cursor:pointer}
.refer-who span{display:flex;align-items:center;width:100%;min-height:52px;padding:0 16px;border:1px solid #9CA3AF;border-radius:12px;font-size:18px;font-weight:500}
.refer-who input:checked+span{background:var(--accent);border-color:var(--accent);color:#fff}
.refer-who input:focus-visible+span{outline:3px solid var(--accent);outline-offset:2px}
.refer-hp{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.refer-err{margin:0 0 12px;font-size:16px;font-weight:600;color:#B42318}
.refer-go{width:100%}
.refer-go:disabled{opacity:.7;cursor:default}
.refer-fine{margin:12px 0 0;font-size:16px;color:var(--muted)}
.refer-nojs{margin:0}
.refer-ok{text-align:center;padding:32px 20px}
.refer-ok p{margin:0 0 12px}
.refer-ok .actions,.refer-fail .actions{justify-content:center}
.refer-ref{font-size:20px}
.refer-ref strong{letter-spacing:.04em;white-space:nowrap}
.refer-fail .actions{justify-content:flex-start}
.refer-check{display:block;width:72px;height:72px;margin:0 auto 12px}
.rc-circle{fill:none;stroke:var(--accent);stroke-width:3;stroke-dasharray:151;stroke-dashoffset:151;animation:rc-draw .45s ease-out forwards}
.rc-tick{fill:none;stroke:var(--accent);stroke-width:4;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:40;stroke-dashoffset:40;animation:rc-draw .35s .4s ease-out forwards}
@keyframes rc-draw{to{stroke-dashoffset:0}}
@media (prefers-reduced-motion:reduce){.rc-circle,.rc-tick{animation:none;stroke-dashoffset:0}}
.band .refer{margin-top:24px}
.band .refer-card,.band .refer-ok,.band .refer-fail{border-color:transparent}
.band .refer-nojs{color:#E3F1E7}
.band .refer-nojs a{color:#fff}
.refer-partner{margin-top:0}
@media (min-width:760px){.refer-card,.refer-ok,.refer-fail{padding:28px 24px}}
.band .refer-card p,.band .refer-ok p,.band .refer-fail p{color:var(--ink)}
.band .refer-card .refer-sub,.band .refer-card .refer-fine{color:var(--muted)}
.band .refer-card .refer-err{color:#B42318}
.band .refer .btn{background:var(--accent);color:#fff;box-shadow:none}
.band .refer .btn.ghost{background:#fff;color:var(--accent);box-shadow:inset 0 0 0 2px var(--accent)}
.band .refer-fail a:not(.btn){color:var(--accent)}

.muted{color:var(--muted);font-size:16px}
.example{background:var(--sage);border-radius:28px;padding:24px 20px}
.sum{margin:0 0 16px}
.sum div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:12px 0;border-bottom:1px solid var(--line)}
.sum dt{margin:0}
.sum dd{margin:0;font-family:var(--display);font-weight:600;text-align:right;max-width:58%}
.example .sum dd{white-space:nowrap;max-width:none}
.sum-total{background:#fff;border-radius:16px;padding:14px 16px;margin-top:8px;border:0}
.sum-total dd{color:var(--accent);font-size:28px}
.example ol{margin-top:16px}
.example .nudge{margin-bottom:0;border-bottom:0}
@media (min-width:760px){.example{padding:28px 24px}.sum-total dd{font-size:34px}}
.listen{display:flex;align-items:center;gap:10px;margin:14px 0 0}
.listen button{display:inline-flex;align-items:center;gap:10px;min-height:48px;padding:0 18px 0 12px;border-radius:999px;border:0;background:#fff;color:var(--accent);font-family:var(--display);font-size:16px;font-weight:600;cursor:pointer;box-shadow:inset 0 0 0 2px var(--line)}
.listen button i{display:inline-flex;align-items:center;justify-content:center;width:28px;height:28px;border-radius:50%;background:var(--accent);color:#fff}
.listen button.on i{background:#B91C1C}

/* Text-us on a computer: number + QR instead of an app chooser */
.textdlg{border:0;border-radius:20px;padding:28px 28px 24px;max-width:360px;width:calc(100% - 32px);text-align:center;box-shadow:0 24px 60px rgba(0,0,0,.25)}
.textdlg::backdrop{background:rgba(15,23,42,.55)}
.textdlg h2{margin:0 0 8px}
.textdlg .num{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:700;font-size:28px;color:var(--green,#0B6B3A);margin:0 0 8px;letter-spacing:.01em}
.textdlg img{display:block;margin:8px auto 12px;border-radius:12px}
.textdlg p{margin:0 0 10px}
.textdlg form{margin-top:6px}

/* Hover reactions (pointer devices only; touch gets none, so nothing sticks) */
@media (hover:hover){
.related a{transition:color .18s ease}
.related a:hover{color:var(--accent-dark)}
summary{transition:color .15s ease}
summary:hover{color:var(--accent)}
.top nav a{transition:color .15s ease,text-decoration-color .15s ease;text-decoration:underline;text-decoration-color:transparent;text-underline-offset:5px}
.top nav a:hover{color:var(--accent-dark);text-decoration-color:currentColor}
main a:not(.btn),footer a{text-underline-offset:3px;text-decoration-thickness:1px;transition:color .15s ease,text-decoration-thickness .15s ease}
main a:not(.btn):hover,footer a:hover{color:var(--accent-dark);text-decoration-thickness:2px}
.listen button{transition:background .15s ease}
.why li{transition:background .2s ease;border-radius:14px}
.why li:hover{background:var(--sage)}
.facts div{transition:background .2s ease}
.facts div:hover{background:var(--sage)}
.calc-row{transition:border-color .15s ease,box-shadow .15s ease}
.calc-row:hover{border-color:var(--accent)}
.proof li{transition:color .15s ease}
.proof li:hover{color:var(--accent-dark)}
}

/* Refer page: the form lives in the hero, so Send is on the first screen. */
.hero-refer .refer{margin:0}
.hero-refer .refer-card h3,.hero-refer .refer-card .refer-sub{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.hero-refer .only-wide{display:none}
.top nav .nav-refer[aria-current="page"]{color:var(--accent)}
@media (max-width:759px){.top nav{gap:16px}.hero-refer .refer-card{padding:20px 16px}.hero-refer .refer-field{margin-bottom:12px}.hero-refer .refer-field input{min-height:48px}}
@media (min-width:760px){.hero-refer .hero-in{align-items:start}.hero-refer .only-wide{display:block}.hero-refer .proof.only-wide{display:flex}.only-narrow{display:none}}
@media (max-width:379px){.top .bar{gap:12px}.top nav{gap:12px}.brand img{width:80px;height:auto}}
/* The form card sits inside the green #talk band, whose text is white; the card is white, so its labels must set their own ink (Rachel 2026-10-20: "cant see the text"). */
.refer-card{color:var(--ink)}
.refer-field label,.refer-who legend,.refer-who label{color:var(--ink)}
/* "I do not have it" under the client phone: the whole row is the target, at least 44 px tall. */
.refer-field label.refer-tick{display:flex;align-items:center;gap:12px;min-height:44px;margin:2px 0 0;font-weight:400;cursor:pointer}
.refer-field label.refer-sms{align-items:flex-start;line-height:1.45}
.refer-field label.refer-sms input{margin-top:2px}
.refer-field .refer-tick input{display:block;flex:0 0 24px;width:24px;min-height:24px;height:24px;margin:0;padding:0;accent-color:var(--accent);cursor:pointer}
.refer-field .refer-tick input:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.refer-field input:disabled{background:#F3F4F6;color:var(--muted)}
/* Refer page at phone width: six fields and the tick must still leave Send above the call dock (390x844). Spacing only; label size stays 16 and every control stays 44 px or more. */
@media (max-width:759px){.hero-refer .hero-in{padding-top:12px;gap:10px}.hero-refer h1{font-size:30px;margin-bottom:0}.hero-refer .refer-card{padding:12px 16px 14px}.hero-refer .refer-field{margin-bottom:8px}.hero-refer .refer-field label{line-height:1.2;margin-bottom:4px}.hero-refer .refer-field label.refer-tick{margin:0}.hero-refer .refer-field label.refer-sms{line-height:1.45;margin-top:8px}.hero-refer .refer-fine{margin-top:8px;line-height:1.3}}
/* Calm by default (Rachel 2026-10-20: no stressful motion). Only colour changes on hover; the one animation left is the drawn check on a sent referral. */
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}.rc-circle,.rc-tick{stroke-dashoffset:0!important}}