:root{
    color-scheme: light;
    --navy:#060d18; --navy-2:#122a4d; --navy-3:#1a3a68;
    --gold:#c4a35a; --gold-light:#e0c57a;
    --surface-1:#fffffe; --page:#f5f7fa;
    --ink:#15181d; --ink-2:#4b5361; --muted:#848d9c;
    --line:#e3e8ef; --hairline:rgba(6,13,24,.09);
    --good:#1a8a44; --good-bg:#e9f7ee;
    --plan:#1c5cab; --plan-bg:#e8f1fd;
    --req-bg:#fff4d9; --req-ink:#8a6a00;
    --opt-bg:#eef2f8; --opt-ink:#3a5a8a;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  html.fedm8-embed header,html.fedm8-embed header.site-top,html.fedm8-embed #site-top,html.fedm8-embed .site-top{display:none!important}
  html.fedm8-embed body{background:#f8f9fb}
  body{font-family:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;background:var(--page);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
  a{color:var(--navy-3)}
  .wrap{max-width:780px;margin:0 auto;padding:0 20px}
  button{font-family:inherit;cursor:pointer}
  :focus-visible{outline:3px solid var(--gold);outline-offset:3px}
  .sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}

  header{background:var(--navy);color:#fff}
  header .wrap{display:flex;align-items:center;gap:14px;padding:16px 20px}
  .brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;flex:1}
  .brand b{font-size:18px;letter-spacing:.3px}
  .brand b span{color:var(--gold-light)}
  .brand .tag{font-size:10px;letter-spacing:1.4px;color:#9fb0c4;text-transform:uppercase;display:block;margin-top:-2px}
  header a.back{color:#c9d4e2;font-size:13.5px;text-decoration:none;white-space:nowrap}
  header a.back:hover{color:#fff}

  main{padding:32px 0 80px}

  .hero{text-align:center;margin-bottom:26px}
  .hero .badge{display:inline-block;background:var(--good-bg);color:var(--good);font-size:12.5px;font-weight:700;padding:6px 14px;border-radius:99px;margin-bottom:14px}
  .hero h1{font-size:27px;color:var(--navy);letter-spacing:-.4px;margin-bottom:10px}
  .hero p{font-size:15.5px;color:var(--ink-2);max-width:580px;margin:0 auto}
  /* NEXT STEP card: the single most important element on the page */
  .next{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:14px;padding:22px 24px;margin-bottom:22px;box-shadow:0 10px 30px rgba(6,13,24,.18)}
  .next .lbl{font-size:11.5px;letter-spacing:1.3px;text-transform:uppercase;color:var(--gold-light);font-weight:700;margin-bottom:6px}
  .next h2{font-size:21px;margin-bottom:6px;letter-spacing:-.2px}
  .next p{font-size:14px;color:#c9d4e2;margin-bottom:14px}
  .next .row{display:flex;gap:10px;flex-wrap:wrap;align-items:center}
  .next .go{background:var(--gold);color:var(--navy);border:none;font-weight:700;font-size:14px;padding:10px 18px;border-radius:8px;text-decoration:none;display:inline-block}
  .next .go:hover{background:var(--gold-light)}
  .next .sec{background:rgba(255,255,255,.12);color:#fff;border:none;font-size:13.5px;padding:10px 15px;border-radius:8px;text-decoration:none}
  .next .sec:hover{background:rgba(255,255,255,.2)}
  .next.allclear{background:linear-gradient(135deg,#146b36,#1a8a44)}

  .savebar{background:var(--surface-1);border:1px solid var(--hairline);border-radius:12px;padding:14px 18px;margin-bottom:20px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}
  .savebar .txt{flex:1;min-width:200px;font-size:13.5px;color:var(--ink-2)}
  .savebar .txt b{color:var(--ink);display:block;font-size:14px;margin-bottom:2px}
  .savebar input[type=email]{padding:9px 12px;border:1px solid var(--line);border-radius:7px;font-size:13.5px;min-width:190px}
  .savebar .btn{background:var(--navy);color:#fff;border:none;font-weight:700;font-size:13.5px;padding:9px 16px;border-radius:7px;white-space:nowrap}
  .savebar.signed-in{background:var(--good-bg);border-color:rgba(26,138,68,.25)}
  .savebar .signout{background:none;border:none;color:var(--ink-2);font-size:12.5px;text-decoration:underline}

  .progress-card{background:var(--surface-1);border:1px solid var(--hairline);border-radius:12px;padding:16px 20px;margin-bottom:14px}
  .progress-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:9px}
  .progress-top b{font-size:14.5px;color:var(--navy)}
  .progress-top span{font-size:13px;color:var(--muted)}
  .bar-track{height:11px;background:var(--line);border-radius:99px;overflow:hidden}
  .bar-fill{height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:99px;transition:width .45s ease;width:0%}
  .progress-note{font-size:12.5px;color:var(--muted);margin-top:8px}

  .viewbar{display:flex;gap:8px;margin-bottom:20px;flex-wrap:wrap}
  .viewbar button{background:#fff;border:1px solid var(--line);color:var(--ink-2);font-size:13px;padding:7px 14px;border-radius:99px}
  .viewbar button.on{background:var(--navy);color:#fff;border-color:var(--navy);font-weight:700}

  .phase{margin-bottom:30px}
  .phase-head{margin-bottom:12px}
  .phase-head .num{display:inline-flex;align-items:center;justify-content:center;width:25px;height:25px;border-radius:50%;background:var(--navy);color:#fff;font-size:12.5px;font-weight:700;margin-right:9px}
  .phase-head h2{display:inline;font-size:16.5px;color:var(--navy);vertical-align:middle}
  .phase-head p{font-size:13.5px;color:var(--ink-2);margin:6px 0 0}

  .item{background:var(--surface-1);border:1px solid var(--hairline);border-radius:12px;margin-bottom:10px;overflow:hidden}
  .item.done{border-color:rgba(26,138,68,.35);background:var(--good-bg)}
  .item.planned{border-color:rgba(28,92,171,.3)}
  .item.skip{opacity:.5}
  .item-head{display:flex;width:100%;align-items:flex-start;gap:12px;padding:15px 18px;cursor:pointer;background:transparent;border:0;color:inherit;text-align:left}
  .item-main{flex:1;min-width:0}
  .item-title-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
  .item-title{font-size:15.5px;font-weight:600}
  .item.done .item-title{color:var(--good)}
  .pill{font-size:10px;font-weight:700;letter-spacing:.3px;padding:3px 8px;border-radius:99px;white-space:nowrap;text-transform:uppercase}
  .pill.req{background:var(--req-bg);color:var(--req-ink)}
  .pill.rec{background:var(--plan-bg);color:var(--plan)}
  .pill.opt{background:var(--opt-bg);color:var(--opt-ink)}
  .item-sub{font-size:13.5px;color:var(--ink-2);margin-top:3px}
  .item-meta{display:flex;gap:14px;margin-top:7px;flex-wrap:wrap;font-size:12px;color:var(--muted)}
  .chev{flex-shrink:0;color:var(--muted);font-size:13px;margin-top:4px;transition:transform .2s}
  .item.open .chev{transform:rotate(90deg)}

  /* three-state status selector */
  .status{display:flex;border:1px solid var(--line);border-radius:8px;overflow:hidden;margin:10px 18px 14px;background:#fff}
  .status button{flex:1;background:#fff;border:none;border-right:1px solid var(--line);font-size:12.5px;padding:8px 4px;color:var(--ink-2);font-weight:600}
  .status button:last-child{border-right:none}
  .status button:hover{background:#f4f7fb}
  .status button.on.s-done{background:var(--good);color:#fff}
  .status button.on.s-plan{background:var(--plan);color:#fff}
  .status button.on.s-skip{background:var(--muted);color:#fff}

  .item-body{display:none;padding:0 18px 20px}
  .item.open .item-body{display:block}
  .item-body h4{font-size:11.5px;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);margin:16px 0 7px}
  .steps{list-style:none;counter-reset:step}
  .steps li{counter-increment:step;padding:5px 0 5px 28px;position:relative;font-size:13.5px;color:var(--ink-2)}
  .steps li::before{content:counter(step);position:absolute;left:0;top:5px;width:19px;height:19px;border-radius:50%;background:var(--opt-bg);color:var(--navy-3);font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center}
  .needlist{list-style:none}
  .needlist li{padding:4px 0 4px 20px;position:relative;font-size:13.5px;color:var(--ink-2)}
  .needlist li::before{content:"\2022";position:absolute;left:4px;color:var(--muted)}

  /* paperwork mini-checklist */
  .paper{list-style:none;margin-top:4px}
  .paper li{display:flex;align-items:flex-start;gap:9px;padding:6px 0;font-size:13.5px;color:var(--ink-2);cursor:pointer}
  /* FIX (audit #9, WCAG 2.4.7): focus must be visible now that these are focusable. */
  .paper li:focus-visible{outline:2px solid var(--navy,#060d18);outline-offset:2px;border-radius:4px}
  @media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
  .paper .box{flex-shrink:0;width:19px;height:19px;border:2px solid var(--line);border-radius:5px;background:#fff;display:flex;align-items:center;justify-content:center;font-size:11px;color:transparent;margin-top:1px}
  .paper li.on .box{background:var(--good);border-color:var(--good);color:#fff}
  .paper li.on{color:var(--good)}

  /* resource groups */
  .resgroup{margin-top:14px}
  .resgroup .rlabel{font-size:12.5px;font-weight:700;color:var(--ink);margin-bottom:2px}
  .resgroup .rnote{font-size:12px;color:var(--muted);margin-bottom:7px}
  .rlinks{display:flex;flex-direction:column;gap:6px}
  .rlink{display:flex;align-items:baseline;gap:8px;text-decoration:none;border:1px solid var(--line);border-radius:8px;padding:9px 12px;background:#fff;flex-wrap:wrap}
  .rlink:hover{border-color:var(--navy-3);background:#f7fafd}
  .rlink b{font-size:13.5px;color:var(--navy)}
  .rlink span{font-size:12.5px;color:var(--ink-2)}
  .rlink .arr{margin-left:auto;color:var(--muted);font-size:12px}

  .banktabs{display:flex;gap:6px;margin:6px 0 10px;flex-wrap:wrap}
  .banktabs button{background:#fff;border:1px solid var(--line);color:var(--ink-2);font-size:12.5px;padding:6px 12px;border-radius:99px}
  .banktabs button.on{background:var(--navy);color:#fff;border-color:var(--navy);font-weight:700}

  .more-toggle{display:inline-block;margin-top:16px;background:none;border:1px solid var(--line);color:var(--ink-2);font-size:13px;padding:9px 14px;border-radius:8px}
  .more-panel{display:none;margin-top:14px;padding:14px 16px;background:var(--page);border-radius:9px;font-size:13.5px;color:var(--ink-2)}
  .more-panel.on{display:block}
  .more-panel p+p{margin-top:8px}

  .callout{background:var(--plan-bg);border:1px solid rgba(28,92,171,.2);border-radius:10px;padding:13px 15px;font-size:13px;color:var(--ink-2);margin-top:12px}
  .callout b{color:var(--plan)}

  .soon{background:#f1f2f4;border:1px dashed var(--line);border-radius:12px;padding:15px 18px;color:#9099a6;font-size:13.5px;text-align:center;margin-bottom:10px}
  .foot-note{text-align:center;font-size:12.5px;color:var(--muted);margin-top:22px;max-width:540px;margin-left:auto;margin-right:auto}

  footer{background:var(--navy);color:#9fb0c4;font-size:13px;padding:26px 0;margin-top:40px}
  footer .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
  footer a{color:#c9d4e2}

  @media(max-width:600px){
    .hero h1{font-size:22px}
    .next h2{font-size:18px}
  }