.zero-multa {
  --zm-navy: #4c1e3a;
  --zm-navy-deep: #2e1223;
  --zm-navy-mid: #612b50;
  --zm-navy-soft: #813a69;
  --zm-gold: #40bb80;
  --zm-gold-light: #6ad3a1;
  --zm-gold-deep: #2d905f;
  --zm-paper: #edf2f2;
  --zm-paper-deep: #d6e3df;
  --zm-ink: #3f1a32;
  --zm-ink-soft: #69425a;
  --zm-on-navy: #ebf5f1;
  --zm-on-navy-soft: #c9aebf;
  --zm-line: rgba(76, 30, 58, .16);
  --zm-line-on-navy: rgba(235, 245, 241, .22);
  --zm-radius-lg:27px;
  --zm-radius:21.6px;
  --zm-radius-sm:13.5px;
  --zm-shadow: 0 24px 50px -28px rgba(46, 18, 35, .5);
  --zm-maxw: 1200px;
  --zm-font: "Playfair Display", Georgia, 'Times New Roman', serif;
}


.zero-multa,
.zero-multa *,
.zero-multa *::before,
.zero-multa *::after {
  box-sizing: border-box;
}
html:has(body.zero-multa) {
  scroll-behavior: smooth;
}
@media (prefers-reduced-motion: reduce) {
  html:has(body.zero-multa) { scroll-behavior: auto; }
  .zero-multa * { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
}
body.zero-multa {
  margin:0;
  background: var(--zm-paper);
  color: var(--zm-ink-soft);
  font-family: var(--zm-font);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
body.zero-multa.zm--nav-open {
  overflow: hidden;
}
.zero-multa img {
  max-width: 100%;
  display: block;
}
.zero-multa h1, .zero-multa h2, .zero-multa h3, .zero-multa h4 {
  font-family: var(--zm-font);
  font-weight: 700;
  line-height: 1.18;
  margin:0;
}
.zero-multa p, .zero-multa ul, .zero-multa ol, .zero-multa figure {
  margin:0;
  padding:0;
}
.zero-multa ul, .zero-multa ol { list-style: none; }
.zero-multa button { font-family: inherit; }
.zero-multa :focus-visible {
  outline: 3px solid var(--zm-gold);
  outline-offset: 3px;
}

.zm-sr-only {
  position: absolute !important;
  width: 1px; height: 1px;
  padding:0; margin:-1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.zm-skip {
  position: absolute;
  left: 12px;
  top: -70px;
  z-index: 200;
  background: var(--zm-gold);
  color: var(--zm-navy-deep);
  font-weight: 700;
  padding:12.8px 19.3px;
  border-radius:0 0 13.5px 13.5px;
  text-decoration: none;
  transition: top .2s ease;
}
.zm-skip:focus {
  top: 0;
}


.zm-wrap {
  width: 100%;
  max-width: var(--zm-maxw);
  margin:0 auto;
  padding:0 21.4px;
}
.zm-section {
  padding:68.5px 0;
}
.zm-section--paper { background: var(--zm-paper); }
.zm-section--dark {
  
  background-color: var(--zm-navy);
  background-image: linear-gradient(165deg, var(--zm-navy) 0%, var(--zm-navy-deep) 100%);
}

.zm-eyebrow {
  display: inline-flex;
  align-items: center;
  gap:.5em;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--zm-navy);
  margin:0 0 15px;
}
.zm-eyebrow::before {
  content: '';
  width: 22px;
  height: 2px;
  background: var(--zm-gold);
  display: inline-block;
}
.zm-eyebrow.zm-eyebrow--on-dark { color: var(--zm-gold); }

.zm-h2 {
  font-size: clamp(1.7rem, 1.35rem + 1.5vw, 2.5rem);
  color: var(--zm-navy);
  max-width: 24ch;
}
.zm-h2.zm-h2--on-dark { color: var(--zm-on-navy); }
.zm-h2.zm-h2--wide { max-width: 38ch; }

.zm-lede {
  font-size: clamp(1.02rem, .96rem + .3vw, 1.18rem);
  color: var(--zm-ink-soft);
  max-width: 56ch;
  margin-top:17.1px;
}
.zm-lede.zm-lede--on-dark { color: var(--zm-on-navy-soft); }

.zm-head {
  max-width: 720px;
  margin:0 0 42.8px;
}
.zm-head.zm-head--center { margin-inline:auto; text-align: center; }
.zm-head--center .zm-h2, .zm-head--center .zm-lede { margin-inline:auto; }


.zm-hero__wrap > *,
.zm-story__wrap > *,
.zm-bento__grid > *,
.zm-method__intro > *,
.zm-method__tabs > *,
.zm-case__wrap > *,
.zm-compare__grid > *,
.zm-proof__wrap > *,
.zm-contact__wrap > *,
.zm-footer__wrap > *,
.zm-footer__cols > *,
.zm-article__layout > *,
.zm-form__row > *,
.zm-form__consent > *,
.zm-checklist__item > * {
  min-width: 0;
}


.zm-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap:.5em;
  white-space: nowrap;
  font-family: var(--zm-font);
  font-weight: 700;
  font-size: 1rem;
  padding:15px 27.8px;
  border-radius:1348.7px;
  border: 2px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: transform .16s ease, background-color .16s ease, border-color .16s ease, color .16s ease;
}
.zm-btn:hover { transform: translateY(-1px); }
.zm-btn--primary {
  background: var(--zm-gold);
  color: var(--zm-navy-deep);
}
.zm-btn--primary:hover { background: var(--zm-gold-light); }
.zm-btn--outline {
  background: transparent;
  border-color: var(--zm-line-on-navy);
  color: var(--zm-on-navy);
}
.zm-btn--outline:hover { border-color: var(--zm-gold); color: var(--zm-gold); }
.zm-btn--ghost {
  background: transparent;
  border-color: var(--zm-navy);
  color: var(--zm-navy);
}
.zm-btn--ghost:hover { background: var(--zm-navy); color: var(--zm-on-navy); }
.zm-btn--text {
  padding:6.4px 0;
  border-radius:0;
  color: var(--zm-navy);
  font-weight: 700;
  border-bottom: 2px solid var(--zm-gold);
}
.zm-btn--text.zm-btn--text-on-dark { color: var(--zm-on-navy); }
.zm-btn--text:hover { color: var(--zm-gold-deep); }
.zm-btn--text-on-dark:hover { color: var(--zm-gold); }
.zm-btn--full { width: 100%; }


.zm-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--zm-navy);
}
.zm-header__accent {
  height: 4px;
  background-color: var(--zm-gold);
  background-image: linear-gradient(90deg, var(--zm-gold-deep), var(--zm-gold) 40%, var(--zm-gold-light) 70%, var(--zm-gold-deep));
}
.zm-header__bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap:17.1px;
  min-height: 76px;
  padding-top:10.7px;
  padding-bottom:10.7px;
}
.zm-brand {
  display: flex;
  align-items: center;
  gap:10.7px;
  text-decoration: none;
  flex: 0 0 auto;
  color: var(--zm-on-navy);
}
.zm-brand__mark {
  border-radius:10.8px;
}
.zm-brand__word {
  font-weight: 700;
  font-size: 1.28rem;
  color: var(--zm-on-navy);
  white-space: nowrap;
}
.zm-brand__word .zm-brand__accent { color: var(--zm-gold); }

.zm-header__right {
  display: flex;
  align-items: center;
  gap:15px;
}

.zm-nav__toggle {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap:5.4px;
  width: 42px;
  height: 42px;
  border-radius:10.8px;
  border: 1px solid var(--zm-line-on-navy);
  background: transparent;
  cursor: pointer;
}
.zm-nav__bar {
  width: 20px;
  height: 2px;
  background: var(--zm-on-navy);
  display: block;
  transition: transform .2s ease, opacity .2s ease;
}
.zm-nav__toggle[aria-expanded="true"] .zm-nav__bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.zm-nav__toggle[aria-expanded="true"] .zm-nav__bar:nth-child(2) { opacity: 0; }
.zm-nav__toggle[aria-expanded="true"] .zm-nav__bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.zm-nav__panel {
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  display: none;
  flex-direction: column;
  background: var(--zm-navy);
  border-top: 1px solid var(--zm-line-on-navy);
  box-shadow: var(--zm-shadow);
  padding:8.6px 21.4px 19.3px;
}
.zm-nav__panel.is-open { display: flex; }
.zm-nav__link {
  color: var(--zm-on-navy);
  text-decoration: none;
  font-weight: 600;
  padding:13.9px 4.3px;
  border-bottom: 1px solid var(--zm-line-on-navy);
  white-space: nowrap;
}
.zm-nav__panel .zm-nav__link:last-child { border-bottom: none; }
.zm-header__cta {
  flex: 0 0 auto;
  padding:12.8px 21.4px;
  font-size: .95rem;
}

@media (min-width: 1040px) {
  .zm-nav__toggle { display: none; }
  .zm-nav__panel {
    position: static;
    display: flex;
    flex-direction: row;
    align-items: center;
    background: transparent;
    border: 0;
    box-shadow: none;
    padding:0;
    gap:27.8px;
  }
  .zm-nav__link {
    padding:6.4px 0;
    border-bottom: 2px solid transparent;
  }
  .zm-nav__link:hover { border-bottom-color: var(--zm-gold); }
  .zm-header__cta { padding:13.9px 25.7px; }
}


.zm-hero {
  background-color: var(--zm-navy);
  background-image:
    radial-gradient(ellipse 640px 420px at 82% 12%, rgba(64, 187, 128, .14), transparent 60%),
    linear-gradient(165deg, var(--zm-navy) 0%, var(--zm-navy-deep) 100%);
  padding:59.9px 0 77px;
}
.zm-hero__wrap {
  display: grid;
  gap:47.1px;
  align-items: center;
}
.zm-hero__title {
  font-size: clamp(2.1rem, 1.65rem + 2vw, 3.15rem);
  color: var(--zm-on-navy);
  max-width: 13ch;
}
.zm-hero__actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap:21.4px 30px;
  margin-top:32.1px;
}
.zm-hero__proof {
  color: var(--zm-on-navy-soft);
  font-size: .92rem;
  margin-top:23.5px;
  max-width: 42ch;
}

@media (min-width: 900px) {
  .zm-hero__wrap {
    grid-template-columns: 1.05fr 1fr;
    gap:38.5px;
  }
}


.zm-calendar {
  background: var(--zm-paper);
  border-radius:var(--zm-radius-lg);
  box-shadow: var(--zm-shadow);
  padding:23.5px 23.5px 25.7px;
  max-width: 420px;
  margin-inline:auto;
}
.zm-calendar__bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom:15px;
}
.zm-calendar__month {
  font-weight: 700;
  color: var(--zm-navy);
  font-size: 1.05rem;
}
.zm-calendar__flag {
  background: var(--zm-navy);
  color: var(--zm-on-navy);
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding:5.4px 10.7px;
  border-radius:1348.7px;
}
.zm-calendar__visual { display: block; }
.zm-calendar__weekdays,
.zm-calendar__grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap:5.4px;
}
.zm-calendar__weekdays {
  margin-bottom:6.4px;
}
.zm-calendar__weekdays span {
  text-align: center;
  font-size: .72rem;
  font-weight: 700;
  color: var(--zm-ink-soft);
  opacity: .75;
}
.zm-calendar__cell {
  aspect-ratio: 1 / 1;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius:9.5px;
  background: var(--zm-paper-deep);
  color: var(--zm-ink-soft);
  font-size: .82rem;
  font-variant-numeric: tabular-nums;
}
.zm-calendar__cell.zm-calendar__cell--due {
  background: var(--zm-gold);
  color: var(--zm-navy-deep);
  font-weight: 700;
  box-shadow: 0 0 0 2px var(--zm-navy) inset;
}
.zm-calendar__legend {
  margin-top:19.3px;
  display: grid;
  gap:8.6px;
}
.zm-calendar__legend-item {
  display: flex;
  align-items: baseline;
  gap:10.7px;
  font-size: .92rem;
  color: var(--zm-ink);
  font-weight: 600;
}
.zm-calendar__dot {
  width: 10px;
  height: 10px;
  border-radius:50%;
  background: var(--zm-gold);
  border: 1.5px solid var(--zm-navy);
  flex: 0 0 auto;
}
.zm-calendar__caption {
  margin-top:15px;
  font-size: .78rem;
  color: var(--zm-ink-soft);
  border-top: 1px dashed var(--zm-line);
  padding-top:12.8px;
}


.zm-story__wrap {
  display: grid;
  gap:38.5px;
}
.zm-story__figure {
  border-radius:var(--zm-radius-lg);
  overflow: hidden;
  box-shadow: var(--zm-shadow);
}
.zm-story__image {
  width: 100%;
  height: 340px;
  object-fit: cover;
}
.zm-story__text {
  color: var(--zm-ink-soft);
  margin-top:19.3px;
}
.zm-story__text + .zm-story__text { margin-top:12.8px; }

@media (min-width: 860px) {
  .zm-story__wrap {
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap:59.9px;
  }
  .zm-story__image { height: 420px; }
}


.zm-bento__grid {
  display: grid;
  gap:19.3px;
  grid-template-columns: 1fr;
}
.zm-bento__card {
  background: var(--zm-navy-mid);
  border-radius:var(--zm-radius);
  padding:30px 27.8px;
  border-top: 3px solid var(--zm-gold);
}
.zm-bento__index {
  display: inline-block;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .08em;
  color: var(--zm-gold);
  margin-bottom:12.8px;
}
.zm-bento__title {
  font-size: 1.22rem;
  color: var(--zm-on-navy);
  margin-bottom:10.7px;
}
.zm-bento__text {
  color: var(--zm-on-navy-soft);
  font-size: .98rem;
}

@media (min-width: 700px) {
  .zm-bento__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (min-width: 1040px) {
  .zm-bento__grid {
    grid-template-columns: repeat(4, 1fr);
    grid-template-areas: "a a b c" "d d b c";
  }
  .zm-bento__card { height: 100%; }
  .zm-bento__card--a { grid-area: a; }
  .zm-bento__card--b { grid-area: b; }
  .zm-bento__card--c { grid-area: c; }
  .zm-bento__card--d { grid-area: d; }
}


.zm-method__intro {
  display: grid;
  gap:34.2px;
  align-items: center;
  margin-bottom:47.1px;
}
.zm-method__figure {
  border-radius:var(--zm-radius-lg);
  overflow: hidden;
  box-shadow: var(--zm-shadow);
}
.zm-method__image {
  width: 100%;
  height: 280px;
  object-fit: cover;
}
.zm-method__text { color: var(--zm-ink-soft); }

.zm-method__tabs {
  display: grid;
  gap:32.1px 23.5px;
  grid-template-columns: 1fr;
}
.zm-tab {
  display: flex;
  flex-direction: column;
}
.zm-tab__flag {
  align-self: flex-start;
  background: var(--zm-gold);
  color: var(--zm-navy-deep);
  font-weight: 700;
  font-size: .85rem;
  letter-spacing: .04em;
  padding:8.6px 21.4px;
  border-radius:13.5px 13.5px 0 0;
  margin-left:23.5px;
}
.zm-tab__body {
  background: var(--zm-navy);
  border-radius:5.4px var(--zm-radius) var(--zm-radius) var(--zm-radius);
  padding:27.8px 25.7px;
  flex: 1;
}
.zm-tab__title {
  color: var(--zm-on-navy);
  font-size: 1.18rem;
  margin-bottom:15px;
}
.zm-tab__list-item {
  display: flex;
  gap:10.7px;
  color: var(--zm-on-navy-soft);
  font-size: .95rem;
  padding:9.6px 0;
  border-top: 1px solid var(--zm-line-on-navy);
}
.zm-tab__list-item:first-child { border-top: 0; }
.zm-tab__list-item::before {
  content: '';
  width: 6px;
  height: 6px;
  margin-top:8.6px;
  border-radius:50%;
  background: var(--zm-gold);
  flex: 0 0 auto;
}

@media (min-width: 860px) {
  .zm-method__intro { grid-template-columns: 1fr 1.1fr; }
}
@media (min-width: 900px) {
  .zm-method__tabs { grid-template-columns: repeat(3, 1fr); }
}


.zm-case__wrap {
  display: grid;
  gap:36.4px;
  align-items: stretch;
}
.zm-case__figure {
  position: relative;
  border-radius:var(--zm-radius-lg);
  overflow: hidden;
  box-shadow: var(--zm-shadow);
  min-height: 260px;
}
.zm-case__image {
  width: 100%;
  height: 100%;
  min-height: 260px;
  object-fit: cover;
}
.zm-case__phototag {
  position: absolute;
  left: 16px;
  bottom: 16px;
  background: rgba(46, 18, 35, .82);
  color: var(--zm-on-navy);
  font-size: .78rem;
  font-weight: 700;
  padding:7.5px 15px;
  border-radius:1348.7px;
  text-shadow: 0 1px 4px rgba(0, 0, 0, .45);
}
.zm-case__body { display: flex; flex-direction: column; justify-content: center; }
.zm-case__note {
  background: var(--zm-paper);
  border-radius:var(--zm-radius);
  padding:27.8px 27.8px 23.5px;
  margin-top:23.5px;
  border-left: 4px solid var(--zm-gold);
}
.zm-case__note-title {
  color: var(--zm-navy);
  font-size: 1.05rem;
  margin-bottom:10.7px;
}
.zm-case__note-text {
  color: var(--zm-ink-soft);
  font-size: .96rem;
}
.zm-case__note-text + .zm-case__note-text { margin-top:10.7px; }
.zm-case__disclaimer {
  color: var(--zm-ink-soft);
  font-style: normal;
  font-weight: 600;
  font-size: .82rem;
  margin-top:15px;
  opacity: .85;
}

@media (min-width: 860px) {
  .zm-case__wrap { grid-template-columns: 1fr 1.05fr; }
}


.zm-compare__grid {
  display: grid;
  gap:25.7px;
  grid-template-columns: 1fr;
}
.zm-compare__card {
  border-radius:var(--zm-radius-lg);
  padding:34.2px 30px;
  display: flex;
  flex-direction: column;
}
.zm-compare__card--light {
  background: var(--zm-paper);
}
.zm-compare__card--dark {
  background: var(--zm-navy-mid);
  border: 1px solid var(--zm-gold);
}
.zm-compare__kicker {
  display: inline-block;
  width: fit-content;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  padding:5.4px 12.8px;
  border-radius:1348.7px;
  margin-bottom:17.1px;
}
.zm-compare__card--light .zm-compare__kicker {
  background: var(--zm-navy);
  color: var(--zm-on-navy);
}
.zm-compare__card--dark .zm-compare__kicker {
  background: var(--zm-gold);
  color: var(--zm-navy-deep);
}
.zm-compare__title {
  font-size: 1.5rem;
}
.zm-compare__card--light .zm-compare__title { color: var(--zm-navy); }
.zm-compare__card--dark .zm-compare__title { color: var(--zm-on-navy); }
.zm-compare__desc {
  margin-top:12.8px;
  font-size: .98rem;
}
.zm-compare__card--light .zm-compare__desc { color: var(--zm-ink-soft); }
.zm-compare__card--dark .zm-compare__desc { color: var(--zm-on-navy-soft); }
.zm-compare__list {
  margin-top:23.5px;
  display: grid;
  gap:12.8px;
  flex: 1;
}
.zm-compare__list-item {
  display: flex;
  gap:10.7px;
  font-size: .95rem;
  padding-top:12.8px;
  border-top: 1px solid var(--zm-line);
}
.zm-compare__list-item:first-child { border-top: 0; padding-top:0; }
.zm-compare__card--light .zm-compare__list-item { color: var(--zm-ink); border-top-color: var(--zm-line); }
.zm-compare__card--dark .zm-compare__list-item { color: var(--zm-on-navy); border-top-color: var(--zm-line-on-navy); }
.zm-compare__list-item::before {
  content: '✓';
  font-weight: 700;
  flex: 0 0 auto;
}
.zm-compare__card--light .zm-compare__list-item::before { color: var(--zm-gold-deep); }
.zm-compare__card--dark .zm-compare__list-item::before { color: var(--zm-gold); }
.zm-compare__cta { margin-top:27.8px; align-self: flex-start; }

@media (min-width: 780px) {
  .zm-compare__grid { grid-template-columns: repeat(2, 1fr); }
}


.zm-proof__wrap {
  display: grid;
  gap:36.4px;
  align-items: center;
}
.zm-proof__frame {
  padding:15px;
  background: var(--zm-paper);
  border-radius:var(--zm-radius-lg);
  box-shadow: var(--zm-shadow);
}
.zm-proof__image {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius:var(--zm-radius-sm);
  border: 1px solid var(--zm-line);
}
.zm-proof__notes {
  display: grid;
  gap:19.3px;
  margin-top:27.8px;
}
.zm-proof__note {
  display: flex;
  gap:15px;
  align-items: flex-start;
}
.zm-proof__note-index {
  flex: 0 0 auto;
  width: 34px;
  height: 34px;
  border-radius:50%;
  background: var(--zm-gold);
  color: var(--zm-navy-deep);
  font-weight: 700;
  font-size: .85rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.zm-proof__note-title {
  color: var(--zm-on-navy);
  font-size: 1.05rem;
  margin-bottom:4.3px;
}
.zm-proof__note-text {
  color: var(--zm-on-navy-soft);
  font-size: .94rem;
}

@media (min-width: 860px) {
  .zm-proof__wrap { grid-template-columns: 1fr 1fr; }
}


.zm-faq__list {
  display: grid;
  gap:15px;
  max-width: 820px;
}
.zm-faq__item {
  background: var(--zm-paper-deep);
  border-radius:var(--zm-radius);
  padding:4.3px 23.5px;
  border: 1px solid var(--zm-line);
}
.zm-faq__q {
  cursor: pointer;
  list-style: none;
  padding:19.3px 36.4px 19.3px 0;
  font-weight: 700;
  color: var(--zm-navy);
  font-size: 1.04rem;
  position: relative;
}
.zm-faq__q::-webkit-details-marker { display: none; }
.zm-faq__q::after {
  content: '+';
  position: absolute;
  right: 2px;
  top: 14px;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--zm-gold-deep);
  transition: transform .18s ease;
}
.zm-faq__item[open] .zm-faq__q::after { transform: rotate(45deg); }
.zm-faq__a {
  color: var(--zm-ink-soft);
  padding:0 0 21.4px;
  font-size: .98rem;
  max-width: 68ch;
}


.zm-contact__wrap {
  display: grid;
  gap:42.8px;
}
.zm-contact__intro { color: var(--zm-on-navy-soft); }
.zm-contact__figure {
  border-radius:var(--zm-radius-lg);
  overflow: hidden;
  margin-top:25.7px;
  box-shadow: var(--zm-shadow);
  display: none;
}
.zm-contact__image {
  width: 100%;
  height: 220px;
  object-fit: cover;
}
.zm-contact__note {
  margin-top:21.4px;
  color: var(--zm-on-navy-soft);
  font-size: .92rem;
}

@media (min-width: 900px) {
  .zm-contact__wrap { grid-template-columns: .95fr 1.15fr; }
  .zm-contact__figure { display: block; }
}


.zm-form-card {
  background: var(--zm-paper);
  border-radius:var(--zm-radius-lg);
  padding:32.1px 27.8px;
  box-shadow: var(--zm-shadow);
}
.zm-form__title {
  color: var(--zm-navy);
  font-size: 1.3rem;
  margin-bottom:6.4px;
}
.zm-form__sub {
  color: var(--zm-ink-soft);
  font-size: .92rem;
  margin-bottom:23.5px;
}
.zm-form { display: grid; gap:17.1px; }
.zm-form__row {
  display: grid;
  gap:17.1px;
}
.zm-form__group { display: grid; gap:6.4px; }
.zm-form__label {
  font-size: .84rem;
  font-weight: 700;
  color: var(--zm-navy);
}
.zm-form__hint {
  font-size: .78rem;
  color: var(--zm-ink-soft);
  opacity: .85;
}
.zm-form__control {
  width: 100%;
  font-family: var(--zm-font);
  font-size: 1rem;
  padding:12.8px 15px;
  border-radius:var(--zm-radius-sm);
  border: 1.5px solid var(--zm-line);
  background: #ffffff;
  color: var(--zm-ink);
}
.zm-form__control::placeholder { color: #9c8193; opacity: 1; }
.zm-form__control:focus { border-color: var(--zm-gold-deep); }
textarea.zm-form__control { min-height: 128px; resize: vertical; }
select.zm-form__control {
  appearance: none;
  background-image: linear-gradient(45deg, transparent 50%, var(--zm-navy) 50%), linear-gradient(135deg, var(--zm-navy) 50%, transparent 50%);
  background-position: calc(100% - 20px) center, calc(100% - 14px) center;
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
  padding-right:40.7px;
}
.zm-form__trap {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}
.zm-form__consent {
  display: grid;
  grid-template-columns: auto 1fr;
  gap:10.7px;
  align-items: start;
  cursor: pointer;
  margin-top:4.3px;
}
.zm-form__consent input {
  width: 19px;
  height: 19px;
  flex: 0 0 auto;
  accent-color: var(--zm-navy);
  margin-top:3.2px;
}
.zm-form__consent span {
  color: var(--zm-ink);
  font-size: .9rem;
  line-height: 1.5;
}
.zm-form__consent a { color: var(--zm-navy); }
.zm-form__submit { margin-top:6.4px; }
.zm-form [data-form-status] {
  font-size: .92rem;
  font-weight: 600;
  color: var(--zm-navy);
  min-height: 1.4em;
}
.zm-form [data-form-status][data-success="true"] { color: var(--zm-gold-deep); }

@media (min-width: 560px) {
  .zm-form__row--two { grid-template-columns: 1fr 1fr; }
}


.zm-footer {
  background: var(--zm-navy-deep);
  padding:59.9px 0 27.8px;
}
.zm-footer__wrap {
  display: grid;
  gap:38.5px;
}
.zm-footer__brand {
  display: flex;
  align-items: center;
  gap:10.7px;
  text-decoration: none;
  margin-bottom:15px;
  color: var(--zm-on-navy);
}
.zm-footer__word {
  font-weight: 700;
  font-size: 1.2rem;
  color: var(--zm-on-navy);
}
.zm-footer__word .zm-brand__accent { color: var(--zm-gold); }
.zm-footer__tagline {
  color: var(--zm-on-navy-soft);
  font-size: .94rem;
  max-width: 34ch;
}
.zm-footer__cols {
  display: grid;
  gap:30px;
  grid-template-columns: repeat(2, 1fr);
}
.zm-footer__heading {
  color: var(--zm-gold);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom:15px;
}
.zm-footer__list { display: grid; gap:10.7px; }
.zm-footer__link {
  color: var(--zm-on-navy-soft);
  text-decoration: none;
  font-size: .95rem;
}
.zm-footer__link:hover { color: var(--zm-on-navy); }
.zm-footer__bottom {
  margin-top:42.8px;
  padding-top:23.5px;
  border-top: 1px solid var(--zm-line-on-navy);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap:12.8px;
}
.zm-footer__copy {
  color: var(--zm-on-navy-soft);
  font-size: .82rem;
}

@media (min-width: 720px) {
  .zm-footer__wrap { grid-template-columns: 1.1fr 2fr; }
  .zm-footer__cols { grid-template-columns: repeat(3, 1fr); }
}


.zm-pageband {
  background-color: var(--zm-navy);
  background-image: linear-gradient(165deg, var(--zm-navy) 0%, var(--zm-navy-deep) 100%);
  padding:55.6px 0 64.2px;
}
.zm-pageband__title {
  color: var(--zm-on-navy);
  font-size: clamp(1.9rem, 1.5rem + 1.6vw, 2.7rem);
  max-width: 26ch;
}
.zm-pageband__lede {
  color: var(--zm-on-navy-soft);
  margin-top:17.1px;
  max-width: 62ch;
  font-size: 1.05rem;
}
.zm-pageband__meta {
  color: var(--zm-on-navy-soft);
  font-size: .82rem;
  margin-top:19.3px;
  opacity: .8;
}


.zm-article {
  padding:64.2px 0 21.4px;
}
.zm-article__layout {
  display: grid;
  gap:42.8px;
}
.zm-article__col { max-width: 68ch; }
.zm-article__col--spaced { margin-top:34.2px; }
.zm-article__h2 {
  color: var(--zm-navy);
  font-size: clamp(1.3rem, 1.15rem + .6vw, 1.6rem);
  margin-top:42.8px;
  margin-bottom:15px;
}
.zm-article__col > .zm-article__h2:first-child { margin-top:0; }
.zm-article__text {
  color: var(--zm-ink-soft);
  font-size: 1.03rem;
  margin-bottom:15px;
}
.zm-article__callout {
  margin:27.8px 0;
  padding:23.5px 25.7px;
  border: 1.5px solid var(--zm-gold);
  border-radius:var(--zm-radius);
  background: var(--zm-paper-deep);
}
.zm-article__callout-title {
  color: var(--zm-navy);
  font-size: 1rem;
  margin-bottom:8.6px;
  letter-spacing: .02em;
}
.zm-article__callout-text {
  color: var(--zm-ink-soft);
  font-size: .96rem;
}

.zm-checklist {
  display: grid;
  gap:17.1px;
  margin-top:8.6px;
}
.zm-checklist__item {
  display: grid;
  grid-template-columns: auto 1fr;
  gap:17.1px;
  padding:21.4px;
  background: var(--zm-paper-deep);
  border-radius:var(--zm-radius);
  border-left: 4px solid var(--zm-gold);
}
.zm-checklist__index {
  font-weight: 700;
  color: var(--zm-gold-deep);
  font-size: 1.1rem;
}
.zm-checklist__title {
  color: var(--zm-navy);
  font-size: 1.05rem;
  margin-bottom:6.4px;
}
.zm-checklist__text {
  color: var(--zm-ink-soft);
  font-size: .95rem;
}

.zm-article__closing {
  margin-top:47.1px;
  padding:30px;
  border-radius:var(--zm-radius-lg);
  background: var(--zm-navy);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap:19.3px;
}
.zm-article__closing-text {
  color: var(--zm-on-navy);
  font-size: 1.05rem;
  font-weight: 600;
  max-width: 44ch;
}

@media (min-width: 900px) {
  .zm-article__layout { grid-template-columns: 2fr 1fr; }
  .zm-article__aside { position: sticky; top: 100px; align-self: start; }
}


.zm-legal { padding:59.9px 0 21.4px; }
.zm-legal__section { max-width: 74ch; margin-bottom:40.7px; }
.zm-legal__h2 {
  color: var(--zm-navy);
  font-size: 1.35rem;
  margin-bottom:12.8px;
  padding-bottom:10.7px;
  border-bottom: 2px solid var(--zm-gold);
  display: inline-block;
}
.zm-legal__text {
  color: var(--zm-ink-soft);
  font-size: 1rem;
  margin-bottom:12.8px;
}
.zm-legal__list { margin:10.7px 0 0; display: grid; gap:8.6px; }
.zm-legal__list-item {
  color: var(--zm-ink-soft);
  font-size: .98rem;
  padding-left:23.5px;
  position: relative;
}
.zm-legal__list-item::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--zm-gold-deep);
  font-weight: 700;
}
.zm-legal__crosslinks {
  margin-top:32.1px;
  padding-top:25.7px;
  border-top: 1px solid var(--zm-line);
  display: flex;
  gap:25.7px;
  flex-wrap: wrap;
}


@media (max-width: 480px) {
  .zm-wrap { padding:0 17.1px; }
  .zm-section { padding:51.4px 0; }
  .zm-btn { padding:13.9px 21.4px; font-size: .95rem; }
  .zm-calendar { padding:19.3px 17.1px 21.4px; }
  
  .zm-header__bar { gap:8.6px; }
  .zm-header__right { gap:8.6px; }
  .zm-brand { gap:6.4px; }
  .zm-brand__mark { width: 34px; height: 34px; }
  .zm-brand__word { font-size: 1.05rem; }
  .zm-nav__toggle { width: 36px; height: 36px; }
  .zm-header__cta { padding:9.6px 13.9px; font-size: .82rem; }
}