/* Virginia Insurance Appraiser — site styles. Palette built on #00297B. No framework. */
:root{
  --navy:#00297B; --navy-2:#0A3A9E; --deep:#00163F; --ink-navy:#0B1530;
  --tint:#E9EEF9; --tint-2:#F4F6FB; --line:#D9E0EE;
  --accent:#F08A4B; --accent-2:#E2712F; --accent-soft:#FDE8DA;
  --paper:#FBFAF7; --white:#fff; --ink:#151B2C; --muted:#545E77; --ok:#1F7A4D; --bad:#B4372B;
  --f-display:"Libre Caslon Text","Times New Roman",serif;
  --f-body:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --r:14px; --r-lg:22px; --shadow:0 10px 30px -12px rgba(0,22,63,.28); --shadow-lg:0 30px 60px -24px rgba(0,22,63,.45);
  --head-h:74px; --wrap:1200px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font-family:var(--f-body);font-size:17px;line-height:1.65;color:var(--ink);background:var(--paper);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
svg{flex-shrink:0}
.i{width:20px;height:20px}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--accent-2)}
h1,h2,h3{font-family:var(--f-display);font-weight:700;line-height:1.18;color:var(--deep);margin:0 0 .55em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.35rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.22rem}
p{margin:0 0 1em}
ul,ol{padding-left:1.2em}
button,input,select,textarea{font:inherit;color:inherit}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;z-index:200;background:var(--white);color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:700}
.skip:focus{left:12px}
.center{text-align:center}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.grid-fix>*,.cards>*,.split>*,.two-col>*,.foot-grid>*{min-width:0}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.82em 1.35em;border-radius:999px;font-weight:700;font-size:.97rem;line-height:1.2;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .2s,background .2s,color .2s,border-color .2s,box-shadow .2s;white-space:nowrap}
.btn .i{width:18px;height:18px}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--navy);color:var(--white)}
.btn-primary:hover{background:var(--deep);color:var(--white)}
.btn-accent{background:var(--accent);color:var(--deep)}
.btn-accent:hover{background:#F6A06A;color:var(--deep);box-shadow:0 10px 24px -10px rgba(240,138,75,.8)}
.btn-line{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-line:hover{background:var(--navy);color:var(--white)}
.btn-ghost-light{border-color:rgba(255,255,255,.55);color:var(--white);background:rgba(255,255,255,.06)}
.btn-ghost-light:hover{background:var(--white);color:var(--deep);border-color:var(--white)}
.btn-block{width:100%}
.btn.small{padding:.55em 1em;font-size:.88rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 0}
.btn-row .btn{white-space:normal}

/* ---------- progress ---------- */
.progress{position:fixed;inset:0 0 auto 0;height:3px;z-index:120;pointer-events:none}
.progress span{display:block;height:100%;background:linear-gradient(90deg,var(--accent),#FFC59C);transform-origin:0 50%;transform:scaleX(0)}

/* ---------- header ---------- */
.head{position:fixed;top:0;left:0;right:0;z-index:100;height:var(--head-h);color:var(--white);background:transparent;transition:background .3s,box-shadow .3s,height .3s}
.head::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,22,63,.55),rgba(0,22,63,0));pointer-events:none;transition:opacity .3s}
.head.solid{background:var(--deep);box-shadow:0 8px 24px -14px rgba(0,0,0,.6)}
.head.solid::before{opacity:0}
.head-in{position:relative;height:100%;display:flex;align-items:center;gap:22px}
.brand,.brand:hover,.brand:focus,.brand:visited{display:inline-flex;align-items:center;gap:11px;color:var(--white);text-decoration:none}
.brand .bt{display:flex;flex-direction:column;line-height:1.15}
.brand b{font-family:var(--f-display);font-size:1.08rem;font-weight:700;letter-spacing:-.005em}
.brand small{font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;opacity:.8;font-weight:600}
.brand .mark{width:42px;height:42px;border-radius:11px;box-shadow:0 0 0 2px rgba(255,255,255,.18)}
.nav{margin-left:auto}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.drop-btn,.nav-link{display:inline-flex;align-items:center;gap:4px;padding:10px 12px;border:0;background:none;color:var(--white);font-weight:600;font-size:.95rem;cursor:pointer;border-radius:8px;text-decoration:none}
.drop-btn:hover,.nav-link:hover,.has-drop.open .drop-btn{background:rgba(255,255,255,.12);color:var(--white)}
.chev{width:16px;height:16px;transition:transform .2s}
.has-drop.open .chev{transform:rotate(180deg)}
.drop{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(6px);min-width:260px;background:var(--white);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:10px;list-style:none;margin:0;opacity:0;visibility:hidden;transition:opacity .18s,transform .18s,visibility .18s;border-top:4px solid var(--accent)}
.drop.cols{display:grid;grid-template-columns:1fr 1fr;min-width:520px;column-gap:6px}
.has-drop.open .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop a{display:block;padding:8px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.93rem;line-height:1.35}
.drop a:hover{background:var(--tint);color:var(--navy)}
.drop .all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
.drop .all a{font-weight:700;color:var(--navy)}
.head-call{padding:.6em 1.05em;font-size:.92rem}
.burger{display:none;width:48px;height:48px;border:0;border-radius:12px;background:rgba(255,255,255,.14);cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px;margin-left:auto}
.burger span{display:block;width:22px;height:2.5px;border-radius:2px;background:var(--white)}

/* ---------- drawer (outside header) ---------- */
.drawer-shade{position:fixed;inset:0;z-index:140;background:rgba(0,12,36,.55);opacity:0;transition:opacity .3s}
.drawer-open .drawer-shade{opacity:1}
.drawer{position:fixed;top:0;right:0;bottom:0;z-index:150;width:min(88vw,390px);background:var(--white);display:flex;flex-direction:column;transform:translateX(102%);visibility:hidden;transition:transform .32s cubic-bezier(.2,.8,.2,1),visibility 0s .32s;overflow:hidden}
.drawer-open .drawer{transform:none;visibility:visible;box-shadow:-20px 0 50px -10px rgba(0,12,36,.5);transition:transform .32s cubic-bezier(.2,.8,.2,1),visibility 0s 0s}
.drawer-top{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;background:var(--deep)}
.brand-sm b{font-size:.98rem}
.brand-sm .mark{width:36px;height:36px}
.drawer-x{width:44px;height:44px;border-radius:10px;border:0;background:rgba(255,255,255,.14);color:var(--white);display:grid;place-items:center;cursor:pointer}
.drawer-x .i{width:22px;height:22px}
.drawer-nav{flex:1;overflow-y:auto;padding:8px 8px 16px;overscroll-behavior:contain}
.drawer-nav ul{list-style:none;margin:0;padding:0}
.drawer-nav>ul>li{border-bottom:1px solid var(--line)}
.drawer-nav>ul>li>a,.acc-btn{display:flex;width:100%;align-items:center;justify-content:space-between;padding:14px 12px;font-weight:700;font-size:1.04rem;color:var(--deep);text-decoration:none;background:none;border:0;cursor:pointer;text-align:left}
.acc-btn[aria-expanded="true"] .chev{transform:rotate(180deg)}
.acc-panel ul{padding:0 6px 12px}
.acc-panel a{display:block;padding:9px 14px;color:var(--ink);text-decoration:none;border-radius:8px;font-size:.97rem}
.acc-panel a:hover{background:var(--tint);color:var(--navy)}
.acc-panel a.strong{font-weight:700;color:var(--navy)}
.drawer-foot{padding:16px;display:grid;gap:10px;border-top:1px solid var(--line);background:var(--tint-2)}
.drawer-foot small{text-align:center;color:var(--muted)}
body.lock{overflow:hidden}

/* ---------- hero ---------- */
.hero{position:relative;color:var(--white);overflow:hidden;background:var(--deep);padding:calc(var(--head-h) + 56px) 0 120px;min-height:min(900px,96vh);display:flex;align-items:center}
.hero-media,.phero-media,.cta-photo-media{position:absolute;inset:0;overflow:hidden}
.hero-media img,.phero-media img,.cta-photo-media img{position:absolute;left:0;top:-10%;width:100%;height:120%;object-fit:cover;will-change:transform}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(0,22,63,.94) 0%,rgba(0,22,63,.82) 42%,rgba(0,41,123,.45) 75%,rgba(0,22,63,.35) 100%)}
.hero-in{position:relative;display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.8fr);gap:48px;align-items:center}
.hero h1{color:var(--white);font-size:clamp(2.1rem,5vw,3.6rem)}
.hero h1 em{font-style:italic;color:#FFB68A}
.hero .lede{font-size:1.15rem;max-width:40em;color:rgba(255,255,255,.9)}
.kicker{display:inline-block;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--accent-2);margin:0 0 14px}
.kicker::before{content:"";display:inline-block;width:22px;height:2px;background:currentColor;vertical-align:middle;margin-right:10px}
.kicker-light{color:#FFB68A}
.ticks{list-style:none;padding:0;margin:26px 0 0;display:flex;flex-wrap:wrap;gap:10px 22px}
.ticks li{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.95rem}
.ticks .i{width:20px;height:20px;color:var(--accent);background:rgba(255,255,255,.1);border-radius:50%;padding:3px}
.ticks-light{flex-direction:column;gap:8px}
.hero-form{background:var(--white);color:var(--ink);border-radius:var(--r-lg);padding:26px 24px 20px;box-shadow:var(--shadow-lg);display:grid;gap:12px;border-top:6px solid var(--accent)}
.hero-form .form-h{font-family:var(--f-display);font-size:1.5rem;font-weight:700;color:var(--deep);margin:0}
.hero-form .form-sub{margin:-6px 0 4px;color:var(--muted);font-size:.93rem}
.form-trust{display:flex;align-items:center;gap:8px;font-size:.84rem;color:var(--muted);margin:2px 0 0}
.form-trust .i{width:18px;height:18px;color:var(--ok)}

/* ---------- ledger strip ---------- */
.ledger{position:relative;z-index:3;margin-top:-64px}
.ledger-in{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));background:var(--white);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden}
.ledger-in li{padding:26px 22px;border-right:1px solid var(--line);display:flex;flex-direction:column;gap:4px}
.ledger-in li:last-child{border-right:0}
.ledger b{font-family:var(--f-display);font-size:2.4rem;line-height:1;color:var(--navy)}
.ledger span{color:var(--muted);font-size:.93rem;line-height:1.35}

/* ---------- sections ---------- */
.sec{padding:96px 0}
.sec-tint{background:var(--tint)}
.sec-navy{background:var(--deep);color:rgba(255,255,255,.88)}
.sec-navy h2,.sec-navy h3{color:var(--white)}
.sec-navy a:not(.btn){color:#FFC59C}
.sec-navy a:not(.btn):hover{color:var(--white)}
.sec-head{max-width:760px;margin:0 0 44px}
.sec-head p{color:var(--muted);font-size:1.06rem}
.sec-navy .sec-head p{color:rgba(255,255,255,.78)}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
.split-top{align-items:start}
.numbered{list-style:none;counter-reset:n;padding:0;margin:22px 0 28px}
.numbered li{counter-increment:n;position:relative;padding:0 0 16px 54px}
.numbered li::before{content:counter(n,decimal-leading-zero);position:absolute;left:0;top:0;font-family:var(--f-display);font-weight:700;font-size:1.25rem;color:var(--accent-2)}
.numbered b{display:block;color:var(--deep)}
.framed{margin:0;position:relative}
.framed img{border-radius:var(--r-lg);box-shadow:var(--shadow-lg);aspect-ratio:4/3;object-fit:cover;width:100%}
.framed::before{content:"";position:absolute;inset:18px -18px -18px 18px;border:2px solid var(--accent);border-radius:var(--r-lg);z-index:-1}
.framed figcaption{position:absolute;left:-12px;bottom:22px;max-width:300px;background:var(--white);border-radius:var(--r);padding:14px 16px;box-shadow:var(--shadow);font-size:.9rem;color:var(--muted)}
.framed figcaption b{color:var(--deep);display:block}
.prose .framed::before{display:none}

/* ---------- photo cards ---------- */
.cards{display:grid;gap:24px}
.cards-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.cards-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.pcard{display:flex;flex-direction:column;background:var(--white);border-radius:var(--r-lg);overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:0 1px 0 var(--line),var(--shadow);transition:transform .3s,box-shadow .3s}
.pcard:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);color:var(--ink)}
.pcard-media{display:block;aspect-ratio:16/10;overflow:hidden;background:var(--tint)}
.pcard-media img{width:100%;height:100%;object-fit:cover;transition:transform .6s cubic-bezier(.2,.8,.2,1)}
.pcard:hover .pcard-media img{transform:scale(1.07)}
.pcard-body{display:flex;flex-direction:column;flex:1;padding:20px 22px 22px}
.pcard-k{font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--accent-2);margin-bottom:6px}
.pcard h2,.pcard h3{font-size:1.2rem;margin:0 0 8px}
.pcard-t{color:var(--muted);font-size:.95rem;flex:1}
.pcard-go{display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-weight:700;color:var(--navy);font-size:.92rem}
.pcard-go .i{width:16px;height:16px;transition:transform .2s}
.pcard:hover .pcard-go .i{transform:translateX(4px)}

/* ---------- fit ---------- */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.fit-col{border-radius:var(--r-lg);padding:28px 30px;background:var(--white);border:1px solid var(--line)}
.fit-col h3{display:flex;align-items:center;gap:10px}
.fit-col h3 .i{width:28px;height:28px;padding:5px;border-radius:50%;color:var(--white)}
.fit-yes h3 .i{background:var(--ok)}
.fit-no h3 .i{background:var(--bad)}
.fit-col ul{margin:0;padding-left:1.1em}
.fit-col li{margin:6px 0}
.fit-yes{border-top:5px solid var(--ok)}
.fit-no{border-top:5px solid var(--bad)}

/* ---------- process track ---------- */
.track{position:relative;margin:10px 0 40px}
.track-bar{position:absolute;left:0;right:0;top:26px;height:4px;background:rgba(255,255,255,.14);border-radius:4px}
.track-bar span{display:block;height:100%;width:100%;background:linear-gradient(90deg,var(--accent),#FFC59C);border-radius:4px;transform-origin:0 50%;transform:scaleX(var(--p,1))}
.js .track-bar span{transform:scaleX(var(--p,0))}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(7,minmax(0,1fr));gap:18px;position:relative}
.step{padding-top:0}
.step-n{display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--deep);border:3px solid rgba(255,255,255,.25);color:var(--white);font-family:var(--f-display);font-weight:700;font-size:1.3rem;margin-bottom:16px;transition:background .3s,border-color .3s,color .3s}
.step.on .step-n,html:not(.js) .step-n{background:var(--accent);border-color:var(--accent);color:var(--deep)}
.step h3{font-size:1.05rem;color:var(--white);margin-bottom:6px}
.step p{font-size:.9rem;color:rgba(255,255,255,.72);margin:0}

/* ---------- regions (expanding panels) ---------- */
.regions{list-style:none;margin:0;padding:0;display:flex;gap:12px;height:470px}
.region{position:relative;flex:1;border-radius:var(--r-lg);overflow:hidden;color:var(--white);transition:flex .55s cubic-bezier(.2,.8,.2,1);cursor:default;min-width:0;background:var(--deep)}
.region img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .8s}
.region::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,22,63,.15) 25%,rgba(0,22,63,.92) 100%)}
.region-in{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:22px}
.region h3{color:var(--white);font-size:1.15rem;margin:0}
.region .chips,.region p{opacity:0;max-height:0;overflow:hidden;transition:opacity .35s,max-height .45s}
.region p{font-size:.92rem;color:rgba(255,255,255,.9);margin:10px 0 0}
.regions:not(:hover):not(:focus-within) .region:first-child,.region:hover,.region:focus-within{flex:3.2}
.regions:not(:hover):not(:focus-within) .region:first-child .chips,.regions:not(:hover):not(:focus-within) .region:first-child p,.region:hover .chips,.region:hover p,.region:focus-within .chips,.region:focus-within p{opacity:1;max-height:240px}
.region:hover img{transform:scale(1.05)}
.chips{list-style:none;padding:0;margin:12px 0 0;display:flex;flex-wrap:wrap;gap:6px}
.chips li{font-size:.76rem;font-weight:700;letter-spacing:.02em;padding:4px 10px;border-radius:999px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.25)}
.chips-dark li{background:var(--white);border-color:var(--line);color:var(--navy)}

/* ---------- locality cards ---------- */
.lcards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-bottom:36px}
.lcard{position:relative;display:block;border-radius:var(--r);overflow:hidden;aspect-ratio:4/3;color:var(--white);text-decoration:none;background:var(--deep)}
.lcard-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .6s}
.lcard::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,22,63,0) 35%,rgba(0,22,63,.88))}
.lcard:hover{color:var(--white)}
.lcard:hover img{transform:scale(1.08)}
.lcard-body{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:14px 16px;display:flex;flex-direction:column}
.lcard-body b{font-family:var(--f-display);font-size:1.1rem}
.lcard-body small{font-size:.78rem;opacity:.85}

/* ---------- facts ---------- */
.facts-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.fact{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;position:relative;overflow:hidden}
.fact::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--navy)}
.fact-k{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--accent-2)}
.fact h3{margin:6px 0 8px;font-size:1.15rem}
.fact p{font-size:.93rem;color:var(--muted);margin:0}

/* ---------- tables ---------- */
.table-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--line);background:var(--white);-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--tint-2);font-size:.82rem;letter-spacing:.04em;text-transform:uppercase;color:var(--muted)}
tbody tr:last-child>*{border-bottom:0}
.compare .hl{background:#EEF2FC;color:var(--deep);font-weight:600}
.compare thead .hl{background:var(--navy);color:var(--white)}

/* ---------- faq ---------- */
.faq{display:grid;gap:10px}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:16px 52px 16px 20px;font-weight:700;color:var(--deep);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;background:var(--tint);color:var(--navy);display:grid;place-items:center;font-size:1.2rem;line-height:1;transition:transform .2s}
.faq details[open] summary::after{content:"–";background:var(--navy);color:var(--white)}
.faq-a{padding:0 20px 4px;color:var(--ink)}

/* ---------- cta ---------- */
.cta-photo{position:relative;color:var(--white);padding:130px 0;overflow:hidden;background:var(--deep)}
.cta-photo-media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(0,22,63,.9),rgba(0,41,123,.55))}
.cta-photo-in{position:relative;max-width:760px;margin-left:auto;margin-right:auto;text-align:center}
.cta-photo-in .btn-row{justify-content:center}
.cta-photo h2{color:var(--white)}
.cta-photo p{color:rgba(255,255,255,.88);font-size:1.08rem}
.cta-strip{background:var(--navy);color:var(--white);padding:46px 0}
.cta-strip-in{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta-strip h2{color:var(--white);font-size:clamp(1.35rem,2.4vw,1.8rem);margin-bottom:4px}
.cta-strip p{margin:0;color:rgba(255,255,255,.82)}
.cta-strip .btn-row{margin:0}

/* ---------- contact ---------- */
.contact-list{list-style:none;padding:0;margin:26px 0;display:grid;gap:14px}
.contact-list li{display:flex;gap:14px;align-items:center}
.contact-list .i{width:44px;height:44px;padding:11px;border-radius:12px;background:rgba(255,255,255,.1);color:var(--accent)}
.contact-list small{display:block;font-size:.76rem;letter-spacing:.08em;text-transform:uppercase;opacity:.7}
.contact-list span{color:var(--white);font-weight:600}

/* ---------- forms ---------- */
.form{background:var(--white);color:var(--ink);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow-lg)}
.form .form-h{font-family:var(--f-display);font-size:1.45rem;font-weight:700;color:var(--deep);margin:0 0 4px}
.form .form-sub{color:var(--muted);font-size:.94rem}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fgrid .full{grid-column:1/-1}
label{display:block;font-size:.86rem;font-weight:700;margin-bottom:5px;color:var(--deep)}
input:not([type=checkbox]):not([type=radio]):not([type=range]),select,textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:var(--white);color:var(--ink);transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(0,41,123,.14)}
textarea{resize:vertical;min-height:110px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:.88rem;color:var(--muted)}
.check input{margin-top:4px;width:18px;height:18px;accent-color:var(--navy);flex-shrink:0}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-msg{margin-top:12px;font-size:.92rem;font-weight:600}
.form-msg.ok{color:var(--ok)}
.form-msg.err{color:var(--bad)}
.form .btn .i,.hero-form .btn .i{width:18px;height:18px}

/* ---------- interior hero ---------- */
.phero{position:relative;color:var(--white);background:var(--deep);padding:calc(var(--head-h) + 46px) 0 64px;overflow:hidden}
.phero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(105deg,rgba(0,22,63,.95) 0%,rgba(0,22,63,.84) 50%,rgba(0,41,123,.55) 100%)}
.phero-in{position:relative;max-width:var(--wrap)}
.phero h1{color:var(--white);max-width:20em}
.phero .lede{font-size:1.1rem;max-width:44em;color:rgba(255,255,255,.88)}
.phero-404{min-height:80vh;display:flex;align-items:center}
.crumbs{font-size:.85rem;margin-bottom:22px;color:rgba(255,255,255,.75);display:flex;flex-wrap:wrap;gap:4px 8px}
.crumbs a{color:rgba(255,255,255,.9);text-decoration:none}
.crumbs a:hover{color:var(--white);text-decoration:underline}
.crumbs .sep{opacity:.5}
.hero-facts{display:grid;grid-template-columns:repeat(3,minmax(0,max-content));gap:12px;margin:30px 0 0}
.hero-facts div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:10px 16px}
.hero-facts dt{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;opacity:.75}
.hero-facts dd{margin:2px 0 0;font-weight:700}

/* ---------- two column ---------- */
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:56px;padding-top:64px;padding-bottom:88px;align-items:start}
.aside{align-self:stretch}
.aside-in{position:sticky;top:96px;display:grid;gap:20px}
.box{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px}
.box-h{font-size:1.12rem;margin:0 0 10px}
.box-call{background:var(--deep);color:rgba(255,255,255,.86);border:0;position:relative;overflow:hidden}
.box-call::after{content:"";position:absolute;right:-40px;top:-40px;width:140px;height:140px;border-radius:50%;border:18px solid rgba(240,138,75,.25)}
.box-call .box-h{color:var(--white)}
.box-call p{font-size:.93rem}
.box-tel{display:block;font-family:var(--f-display);font-size:1.4rem;font-weight:700;color:var(--white);text-decoration:none;margin:4px 0 14px}
.box-tel:hover{color:#FFC59C}
.box-small{font-size:.8rem!important;margin:12px 0 0;opacity:.75}
.box-list{list-style:none;margin:0;padding:0}
.box-list a{display:block;padding:8px 10px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.94rem;border-left:3px solid transparent}
.box-list a:hover{background:var(--tint);color:var(--navy)}
.box-list a[aria-current]{background:var(--tint);border-left-color:var(--accent);color:var(--navy);font-weight:700}

/* ---------- prose ---------- */
.prose{font-size:1.04rem}
.prose h2{margin-top:1.7em;font-size:clamp(1.45rem,2.4vw,1.85rem)}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.4em}
.prose li{margin:.35em 0}
.prose a:hover{color:var(--accent-2)}
.prose .framed{margin:0 0 28px}
.note{background:var(--accent-soft);border-left:5px solid var(--accent);border-radius:0 var(--r) var(--r) 0;padding:16px 20px;margin:1.5em 0}
.note .h{display:block;font-family:var(--f-display);color:var(--deep);font-size:1.05rem;margin-bottom:4px}
.note p:last-child,.note ul:last-child{margin-bottom:0}
.note-small{font-size:.93rem;margin:12px 0 0}
.cols2{columns:2;column-gap:30px}
.related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.related a{display:flex;flex-direction:column;gap:4px;padding:16px 18px;border:1px solid var(--line);border-radius:var(--r);background:var(--white);text-decoration:none;color:var(--deep);font-weight:700;transition:border-color .2s,transform .2s}
.related a:hover{border-color:var(--navy);transform:translateY(-2px);color:var(--navy)}
.related small{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--accent-2)}
.toc{background:var(--tint-2);border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;margin-bottom:28px}
.toc-h{font-weight:700;color:var(--deep);margin:0 0 6px}
.toc ol{margin:0;columns:2;column-gap:24px}
.byline{color:var(--muted);font-size:.92rem;border-bottom:1px solid var(--line);padding-bottom:14px}

/* ---------- glossary ---------- */
.filter{background:var(--tint-2);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;margin-bottom:16px}
.filter-count{margin:8px 0 0;font-size:.85rem;color:var(--muted)}
.az{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 20px}
.az a{display:grid;place-items:center;width:34px;height:34px;border-radius:8px;background:var(--white);border:1px solid var(--line);text-decoration:none;font-weight:700}
.az a:hover{background:var(--navy);color:var(--white)}
.glossary{margin:0;display:grid;gap:10px}
.gterm{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;scroll-margin-top:100px}
.gterm dt{font-family:var(--f-display);font-weight:700;color:var(--deep);font-size:1.06rem}
.gterm dd{margin:4px 0 0;color:var(--muted)}

/* ---------- site map, index rows ---------- */
.smap{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.smap-col{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:22px 24px}
.smap-col h2{font-size:1.25rem}
.smap-col ul{margin:0;padding-left:1.1em}
.region-rows{display:grid;gap:16px}
.region-row{display:grid;grid-template-columns:240px minmax(0,1fr);gap:24px;align-items:center;background:var(--white);border-radius:var(--r-lg);overflow:hidden;padding-right:24px}
.region-row-media img{width:100%;height:170px;object-fit:cover}
.region-row h3{margin:0 0 6px}
.region-row p{margin:0;color:var(--muted)}
.order li{margin:8px 0}

/* ---------- tools ---------- */
.sec-tool{padding:56px 0 0}
.tool{background:var(--white);color:var(--ink);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden;border:1px solid var(--line);text-align:left}
.tool-head{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;padding:14px 22px;background:var(--navy);color:var(--white)}
.tool-title{margin:0;font-family:var(--f-display);font-weight:700;font-size:1.15rem;color:var(--white)}
.tool-head i{font-style:normal;font-size:.8rem;background:rgba(255,255,255,.14);padding:4px 10px;border-radius:999px}
.tool-body{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr)}
.tool-wide .tool-body{grid-template-columns:1fr}
.tool-in{padding:24px;display:grid;gap:16px;align-content:start}
.tool-out{padding:24px;background:var(--tint-2);border-left:1px solid var(--line);display:grid;gap:14px;align-content:start}
.tool-wide .tool-out{border-left:0;border-top:1px solid var(--line)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.row3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.row3 label{min-height:2.6em}
.hint{display:block;font-size:.8rem;color:var(--muted);margin:4px 0 0}
.hint.center{text-align:center}
fieldset.bare{border:0;padding:0;margin:0;min-width:0}
.range{display:flex;align-items:center;gap:14px}
.range input{flex:1;accent-color:var(--navy)}
.range output{min-width:52px;font-weight:700;color:var(--navy);text-align:right}
.out-big{background:var(--white);border-radius:var(--r);padding:16px 18px;border:1px solid var(--line)}
.out-big small{display:block;font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;font-weight:700}
.out-big b{font-family:var(--f-display);font-size:2rem;color:var(--navy);line-height:1.2}
.out-trio{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.out-trio .out-big b{font-size:1.6rem}
.out-rows{display:grid;gap:0;background:var(--white);border-radius:var(--r);border:1px solid var(--line)}
.out-rows div{display:flex;justify-content:space-between;gap:12px;padding:10px 16px;border-bottom:1px solid var(--line);font-size:.93rem}
.out-rows div:last-child{border-bottom:0}
.out-rows b{color:var(--deep);white-space:nowrap}
.out-msg{margin:0;font-size:.93rem;background:var(--white);border-left:4px solid var(--accent);padding:12px 14px;border-radius:0 10px 10px 0}
.out-msg:empty{display:none}
.stack{display:flex;height:16px;border-radius:999px;overflow:hidden;background:var(--line)}
.stack span{display:block;height:100%;width:0;transition:width .4s}
.s1{background:#9FB2DA}
.s2{background:var(--accent)}
.s3{background:var(--navy)}
.legend{display:flex;flex-wrap:wrap;gap:14px;font-size:.8rem;color:var(--muted)}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:5px;vertical-align:-1px}
.mono{font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}
.items-table input{padding:8px 10px!important;min-width:84px}
.items-table td:first-child input{min-width:170px}
.items-table th,.items-table td{padding:8px 10px}
.x{width:32px;height:32px;border-radius:8px;border:1px solid var(--line);background:var(--white);cursor:pointer;font-size:1.1rem;line-height:1;color:var(--muted)}
.x:hover{background:var(--bad);color:var(--white);border-color:var(--bad)}
.days-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px}
.timeline{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.timeline li{background:var(--white);border:1px solid var(--line);border-left:5px solid var(--navy);border-radius:10px;padding:12px 14px;font-size:.92rem}
.timeline li b{display:flex;justify-content:space-between;gap:8px;color:var(--deep);flex-wrap:wrap}
.timeline li em{font-style:normal;font-size:.78rem;background:var(--tint);color:var(--navy);padding:2px 8px;border-radius:999px}
.timeline li.soon{border-left-color:var(--accent)}
.timeline li.soon em{background:var(--accent-soft);color:#9A4513}
.timeline li.past{border-left-color:var(--bad);opacity:.85}
.timeline li.past em{background:#F8DEDA;color:var(--bad)}
.timeline span{color:var(--muted)}
.quiz{margin:0;padding-left:1.4em;display:grid;gap:10px}
.quiz li{padding:6px 0 10px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;gap:14px}
.yn{display:flex;gap:6px;flex-shrink:0}
.yn button{border:1.5px solid var(--line);background:var(--white);border-radius:999px;padding:6px 16px;font-weight:700;cursor:pointer;font-size:.88rem;color:var(--ink)}
.yn .yes[aria-pressed="true"]{background:var(--ok);border-color:var(--ok);color:var(--white)}
.yn .no[aria-pressed="true"]{background:var(--bad);border-color:var(--bad);color:var(--white)}
.score-out{grid-template-columns:minmax(200px,280px) minmax(0,1fr);align-items:start}
.gauge{width:100%;max-width:260px;display:block;margin:0 auto}
.gauge-num{text-align:center;font-family:var(--f-display);font-size:2.6rem;font-weight:700;color:var(--navy);margin-top:-44px}
.todo-h{font-weight:700;color:var(--deep);margin:14px 0 6px}
.todo{margin:0;padding-left:1.1em;font-size:.93rem}
.tool-note{font-size:.85rem;color:var(--muted);margin:14px 4px 0}

/* ---------- footer ---------- */
.foot{background:var(--ink-navy);color:rgba(255,255,255,.74);font-size:.95rem}
.foot-band{background:var(--navy)}
.foot-band-in{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;padding-top:36px;padding-bottom:36px}
.foot-band h2{color:var(--white);font-size:clamp(1.3rem,2.4vw,1.75rem);margin:0;max-width:22em}
.foot-band .btn-row{margin:0}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1fr 1fr;gap:36px;padding-top:56px;padding-bottom:40px}
.foot-h{font-family:var(--f-body);font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--white);margin:0 0 14px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin:0 0 8px;overflow-wrap:break-word}
.foot-grid a:not(.brand){color:rgba(255,255,255,.74);text-decoration:none}
.foot-grid a:not(.brand):hover{color:#FFC59C;text-decoration:underline}

.foot-more{margin:6px 0 0}
.foot-about p{margin:16px 0}
.brand-foot .mark{width:44px;height:44px}
.foot-contact li{display:flex;align-items:center;gap:8px}
.foot-contact a{display:inline-flex;align-items:center;gap:8px}
.foot-contact .i{width:16px;height:16px;color:var(--accent)}
.foot-legal{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);padding-top:20px;padding-bottom:6px;font-size:.86rem}
.foot-legal p{margin:0}
.foot-legal ul{display:flex;gap:18px;flex-wrap:wrap}
.foot-legal a{color:rgba(255,255,255,.74);text-decoration:none}
.foot-legal a:hover{color:#FFC59C;text-decoration:underline}
.foot-disc{font-size:.8rem;color:rgba(255,255,255,.5);padding-top:10px;padding-bottom:32px;margin:0 auto}
.to-top{position:fixed;right:20px;bottom:24px;z-index:90;width:48px;height:48px;border-radius:50%;background:var(--accent);color:var(--deep);display:grid;place-items:center;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(12px);transition:.3s}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{color:var(--deep);background:#F6A06A}
.call-bar{display:none}

/* ---------- reveal ---------- */
.js .rv{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.8,.2,1) var(--d,0s),transform .7s cubic-bezier(.2,.8,.2,1) var(--d,0s)}
.js .rv.in{opacity:1;transform:none}
.pcard.rv.in:hover{transform:translateY(-4px)}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .nav,.head-call{display:none}
  .burger{display:flex}
  .cards-4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .foot-grid{grid-template-columns:1fr 1fr 1fr}
  .foot-about{grid-column:1/-1}
}
html:not(.js) .burger{display:none}
@media (max-width:1020px){
  .hero-in{grid-template-columns:1fr}
  .hero{min-height:0}
  .two-col{grid-template-columns:1fr;gap:40px}
  .aside-in{position:static}
  .split{grid-template-columns:1fr;gap:40px}
  .cards-3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .facts-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .lcards{grid-template-columns:repeat(3,minmax(0,1fr))}
  .steps{grid-template-columns:1fr;gap:22px;padding-left:76px}
  .track-bar{left:26px;right:auto;top:0;bottom:0;width:4px;height:auto}
  .track-bar span{transform-origin:50% 0;transform:scaleY(var(--p,1))}
  .js .track-bar span{transform:scaleY(var(--p,0))}
  .step{position:relative}
  .step-n{position:absolute;left:-76px;top:-6px}
  .regions{flex-direction:column;height:auto}
  .region{flex:none!important;min-height:300px}
  .region .chips,.region p{opacity:1!important;max-height:none!important}
  .tool-body,.score-out{grid-template-columns:1fr}
  .tool-out{border-left:0;border-top:1px solid var(--line)}
  .smap{grid-template-columns:1fr 1fr}
  .related{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  body{font-size:16px;padding-bottom:62px}
  .sec{padding:68px 0}
  .wrap{padding:0 16px}
  .hero{padding:calc(var(--head-h) + 30px) 0 100px}
  .brand small{display:none}
  .brand b{font-size:.98rem}
  .ledger-in{grid-template-columns:1fr 1fr}
  .ledger-in li:nth-child(2){border-right:0}
  .ledger-in li:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .ledger b{font-size:2rem}
  .cards-3,.cards-4,.fit,.facts-grid,.smap,.related{grid-template-columns:1fr}
  .lcards{grid-template-columns:1fr 1fr}
  .fgrid,.row2,.row3,.out-trio{grid-template-columns:1fr}
  .row3 label{min-height:0}
  .hero-facts{grid-template-columns:1fr}
  .framed::before{inset:12px -8px -12px 8px}
  .framed figcaption{position:static;max-width:none;margin-top:14px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:28px}
  .foot-grid .foot-locs{grid-column:1/-1}
  .foot .two{columns:2;column-gap:14px}
  .cols2,.toc ol{columns:1}
  .region-row{grid-template-columns:1fr;padding:0 0 18px}
  .region-row>div{padding:0 18px}
  .quiz li{flex-direction:column;align-items:flex-start}
  .cta-strip-in{flex-direction:column;align-items:flex-start}
  .to-top{bottom:78px;right:14px}
  .call-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:95;background:var(--deep);box-shadow:0 -6px 20px -8px rgba(0,0,0,.5)}
  .call-bar a{display:flex;align-items:center;justify-content:center;gap:8px;padding:16px 10px;color:var(--white);font-weight:700;text-decoration:none}
  .call-bar a:first-child{background:var(--accent);color:var(--deep)}
  .call-bar .i{width:18px;height:18px}
  .form{padding:22px 18px}
  .tool-in,.tool-out{padding:18px}
}
@media (max-width:720px){
  .cards{gap:14px}
  .pcard{flex-direction:row;border-radius:var(--r)}
  .pcard-media{flex:0 0 34%;aspect-ratio:auto;min-height:100%}
  .pcard-body{padding:14px 14px 14px 16px}
  .pcard h2,.pcard h3{font-size:1.05rem;margin-bottom:4px}
  .pcard-t{font-size:.86rem;line-height:1.45}
  .pcard-go{margin-top:8px;font-size:.84rem}
  .pcard-k{font-size:.68rem;margin-bottom:3px}
  .lcard{aspect-ratio:1/1}
}
@media (max-width:420px){
  .btn-row .btn{width:100%}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition-duration:.01ms!important;animation-duration:.01ms!important}
  .js .rv{opacity:1;transform:none}
  [data-parallax]{transform:none!important}
}