/* ==========================================================================
   SecureMyOffer — site styles v2 (+ SMO-Brand-Kit V3 layer at the end of this file)
   Shares tokens with the two quoters (quote.securemyoffer.com and
   surety.securemyoffer.com): Articulat CF, ivory canvas, charcoal bands
   with a warm glow, gold controls at 15px radius, 25px cards.
   Layout idea: calm editorial pages, one strong image per section,
   "paper" objects (closing file, surety certificate) as signature details.
   ========================================================================== */

/* Articulat: only Normal (400) and ExtraBold are on hand. The kit licenses 500/600/700; add those files and
   @font-face rules when the brand owner supplies them (see OPEN-ITEMS). Never use anything lighter than 400. */
@font-face{font-family:"Articulat CF";src:url("../fonts/ArticulatCF-Normal.woff2") format("woff2");font-weight:300 499;font-display:swap}
@font-face{font-family:"Articulat CF";src:url("../fonts/ArticulatCF-NormalOblique.woff2") format("woff2");font-weight:300 499;font-style:italic;font-display:swap}
@font-face{font-family:"Articulat CF";src:url("../fonts/ArticulatCF-ExtraBold.woff2") format("woff2");font-weight:500 900;font-display:swap}

:root{
  /* surfaces (shared with quoters) */
  --canvas:#FBF9F6; --surface:#FFFFFF; --linen:#F3EEE6; --beige:#E1D6C2; --paper:#FFFDF8;
  --charcoal:#242424; --night:#1B1A19; --deep:#0A080B; --walnut:#4F3E31;
  /* ink */
  --ink:#242424; --text:#2A2E33; --muted:#4F545A; --line:#E3E4E8; --line-warm:#E6DFD2;
  /* brand */
  --gold:#CCA565; --gold-hover:#B8925A; --gold-deep:#957C59; --gold-text:#6B5536; --gold-pale:#F7F1E6;
  /* state */
  --ok:#2E7D74; --err:#B4002F; --err-dark:#FF8A6B;
  /* type */
  --font:"Articulat CF","Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  /* shape */
  --r-control:15px; --r-card:25px; --r-small:10px;
  --shadow:0 24px 48px -28px rgba(36,30,20,.38);
  --shadow-lg:0 34px 70px -34px rgba(36,30,20,.5);
  /* layout */
  --max:1240px; --gutter:max(20px,env(safe-area-inset-left,0px));
  --section:clamp(80px,9vw,136px);
  --ease:cubic-bezier(.2,.7,.2,1);
  color-scheme:light;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--canvas);color:var(--text);font-family:var(--font);font-size:18px;line-height:1.65;font-weight:400;overflow-x:hidden;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img,svg,video{max-width:100%;display:block}
img{height:auto}
a{color:var(--ink);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--gold-text)}
:focus-visible{outline:3px solid var(--gold-deep);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{color:var(--ink);font-weight:800;text-wrap:balance;margin:0}
p{margin:0;text-wrap:pretty}
ul,ol{margin:0}
strong{font-weight:800;color:var(--ink)}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0;padding:0;margin:-1px}
.skip{position:absolute;left:16px;top:-80px;z-index:100;background:var(--ink);color:#fff;padding:12px 18px;border-radius:10px;font-weight:800;text-decoration:none}
.skip:focus{top:12px;color:#fff}

.wrap{width:100%;max-width:var(--max);margin-inline:auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.wrap-narrow{max-width:820px}
.section{padding-block:var(--section)}
.section-tight{padding-block:clamp(56px,6vw,88px)}
.bg-surface{background:var(--surface)}
.bg-linen{background:var(--linen)}
.border-top{border-top:1px solid var(--line-warm)}

/* ---------- type ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:12px;margin:0 0 18px;font-size:16px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text)}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--gold);border-radius:2px}
.dark .eyebrow{color:#E2C48F}
.h1{font-size:clamp(42px,5.8vw,78px);line-height:1.02;letter-spacing:-.035em}
.h2{font-size:clamp(32px,3.9vw,52px);line-height:1.06;letter-spacing:-.03em}
.h3{font-size:clamp(22px,2vw,27px);line-height:1.2;letter-spacing:-.015em}
.gold{color:var(--gold-text)}
.dark .gold,.on-dark .gold{color:var(--gold)}
.lead{font-size:clamp(19px,1.6vw,22px);line-height:1.55;color:var(--text);max-width:640px}
.muted{color:var(--muted)}
.small{font-size:16px;line-height:1.55}
.tiny{font-size:16px;line-height:1.55}
.stack-s>*+*{margin-top:12px}
.stack>*+*{margin-top:20px}
.stack-l>*+*{margin-top:32px}
.measure{max-width:680px}
.center{text-align:center}
.center .lead,.center.measure{margin-inline:auto}
.center .eyebrow{justify-content:center}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:54px;padding:0 26px;border-radius:var(--r-control);border:0;font:inherit;font-size:17px;font-weight:800;line-height:1.2;text-decoration:none;cursor:pointer;transition:background .2s var(--ease),color .2s var(--ease),box-shadow .2s var(--ease),transform .2s var(--ease);white-space:nowrap}
.btn svg{flex:0 0 auto}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-gold:hover{background:var(--gold-hover);color:var(--ink)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#3A3836;color:#fff}
.btn-line{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1.5px var(--ink)}
.btn-line:hover{background:var(--ink);color:#fff}
.dark .btn-line,.on-dark .btn-line{color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.7)}
.dark .btn-line:hover,.on-dark .btn-line:hover{background:#fff;color:var(--ink)}
.btn-block{width:100%}
.btn-sm{min-height:46px;padding:0 18px;font-size:16px;border-radius:12px}
.btn:active{transform:translateY(1px)}
.textlink{font-weight:800;color:var(--ink);text-decoration:none;border-bottom:2px solid var(--gold);padding-bottom:2px;transition:color .2s}
.textlink:hover{color:var(--gold-text)}
.dark .textlink{color:#fff}
.arrow::after{content:"\00a0→"}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}

/* ---------- header ---------- */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);background:#fff;z-index:41}
.header-row{display:flex;align-items:center;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{height:30px;width:auto}
.nav{display:flex;align-items:center;gap:4px;margin-left:12px}
.nav > a,.nav .nav-group > button{display:inline-flex;align-items:center;gap:6px;min-height:44px;padding:0 12px;border-radius:10px;border:0;background:none;font:inherit;font-size:16px;font-weight:400;color:var(--ink);text-decoration:none;cursor:pointer;white-space:nowrap}
.nav > a:hover,.nav .nav-group > button:hover,.nav .nav-group.open > button{background:var(--linen);color:var(--ink)}
.nav a[aria-current="page"],.nav .nav-group.has-current > button{box-shadow:inset 0 -2px 0 var(--gold);border-radius:10px 10px 0 0}
.menu a[aria-current="page"]{background:var(--gold-pale)}
.nav-group{position:relative}
.nav-group > button svg{transition:transform .2s}
.nav-group.open > button svg{transform:rotate(180deg)}
.menu{position:absolute;top:calc(100% + 8px);left:0;min-width:300px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-lg);padding:10px;display:none}
.nav-group.open .menu{display:block}
.menu a{display:flex;gap:14px;align-items:flex-start;padding:12px 14px;border-radius:12px;text-decoration:none;color:var(--ink)}
.menu a:hover{background:var(--canvas);color:var(--ink)}
.menu img{width:44px;height:44px;flex:0 0 auto;object-fit:contain;padding:8px;border-radius:12px;background:var(--gold-pale)}
.menu strong{display:block;font-size:16px;line-height:1.3}
.menu span span{display:block;font-size:16px;color:var(--muted);line-height:1.4;margin-top:2px}
.header-actions{margin-left:auto;display:flex;align-items:center;gap:16px}
.trust-pill{display:inline-flex;align-items:center;gap:8px;padding:7px 14px;border-radius:999px;background:var(--gold-pale);color:var(--gold-text);font-size:16px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;white-space:nowrap}
.header-phone{font-weight:800;font-size:16px;color:var(--ink);text-decoration:none;white-space:nowrap}
.quote-menu{position:relative}
.quote-menu .menu{left:auto;right:0;min-width:320px}
.menu-toggle{display:none;align-items:center;gap:8px;min-height:46px;padding:0 14px;border-radius:12px;border:1.5px solid var(--ink);background:#fff;font:inherit;font-size:16px;font-weight:800;color:var(--ink);cursor:pointer}
.mobile-nav{display:none}
@media (max-width:1520px){.trust-pill{display:none}}
@media (max-width:1280px){.header-phone{display:none}}
.call-btn{display:none;align-items:center;gap:8px;min-height:46px;padding:0 14px;border-radius:12px;background:var(--ink);color:#fff;font-weight:800;font-size:16px;text-decoration:none}
.call-btn:hover{color:#fff;background:#3A3836}
@media (max-width:1020px){
  .nav,.header-phone{display:none}
  .menu-toggle,.call-btn{display:inline-flex}
  .mobile-nav.open{display:block;border-top:1px solid var(--line);padding-top:8px;padding-bottom:24px;max-height:calc(100vh - 80px);overflow:auto}
  .mobile-nav .call-row{display:flex;flex-direction:column;gap:2px;margin:10px 0 6px;padding:14px 16px;border:0;border-radius:14px;background:var(--gold-pale)}
  .mobile-nav .call-row span{font-size:16px;color:var(--text)}
  .mobile-nav a{display:block;padding:14px 4px;border-bottom:1px solid var(--line);font-size:18px;text-decoration:none;color:var(--ink)}
  .mobile-nav .sub{padding-left:18px;font-size:17px;color:var(--text)}
  .mobile-nav .label{display:block;padding:18px 4px 4px;font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
  .mobile-nav .btn{display:flex;margin-top:14px;width:100%;border-bottom:0;white-space:normal;text-align:center;padding:14px 20px;line-height:1.3}
  .mobile-nav .btn + .btn{margin-top:10px}
}
@media (max-width:560px){.quote-menu{display:none}.brand img{height:26px}.header-row{gap:10px}.header-actions{gap:8px}}
@media (max-width:360px){.call-btn span{display:none}}

/* ---------- hero (quote box over photo) ---------- */
.hero{position:relative;isolation:isolate;min-height:clamp(620px,84vh,820px);display:flex;align-items:center;background:var(--charcoal)}
.hero-media{position:absolute;inset:0;z-index:-2}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:68% 40%}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(20,18,15,.62) 0%,rgba(20,18,15,.28) 42%,rgba(20,18,15,0) 70%)}
.hero .wrap{padding-block:56px}
.quote-card{width:min(100%,560px);background:#fff;border-radius:var(--r-card);box-shadow:var(--shadow-lg);padding:clamp(26px,3.4vw,44px)}
.quote-card .h1{font-size:clamp(38px,4.6vw,60px)}
.quote-card .lead{margin-top:16px;font-size:19px}
.chooser{margin-top:28px}
.chooser-legend{font-size:16px;font-weight:800;color:var(--ink);margin-bottom:10px}
.tabs{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:6px;background:var(--canvas);border:1px solid var(--line);border-radius:18px}
.tab{display:flex;flex-direction:column;align-items:flex-start;gap:2px;min-height:64px;padding:12px 16px;border:0;border-radius:13px;background:transparent;font:inherit;text-align:left;color:var(--ink);cursor:pointer;transition:background .2s,box-shadow .2s}
.tab strong{font-size:17px}
.tab span{font-size:16px;color:var(--muted);line-height:1.35}
.tab[aria-selected="true"]{background:#fff;box-shadow:0 2px 0 rgba(0,0,0,.02),0 8px 20px -10px rgba(36,30,20,.35),inset 0 0 0 2px var(--gold-deep)}
.tab-panel{margin-top:20px}
.tab-panel p{font-size:16.5px;color:var(--text)}
.tab-panel .btn{margin-top:18px;width:100%}
.saved-link{display:block;margin-top:14px;text-align:center;font-size:16px}
.hero-note{margin-top:22px;padding-top:18px;border-top:1px solid var(--line);display:flex;gap:10px;align-items:flex-start;font-size:16px;color:var(--muted);line-height:1.5}

/* page hero (interior) */
.page-hero{position:relative;padding-block:clamp(64px,8vw,112px) clamp(56px,7vw,96px);overflow:hidden}
.page-hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(36px,5vw,72px);align-items:center}
.page-hero .lead{margin-top:22px}
.page-hero .btn-row{margin-top:32px}
.page-hero-media{position:relative}
.page-hero-media > img{width:100%;aspect-ratio:4/3.4;object-fit:cover;border-radius:var(--r-card)}
.page-hero.dark{background:var(--charcoal)}
@media (max-width:900px){.page-hero-grid{grid-template-columns:minmax(0,1fr)}}

/* dark band with the quoter's warm glow */
.dark{background:radial-gradient(120% 90% at 80% 0%,rgba(204,165,101,.22) 0%,rgba(204,165,101,0) 55%),var(--charcoal);color:#D9D4CB}
.dark h1,.dark h2,.dark h3,.dark strong{color:#fff}
.dark a:not(.btn){color:#fff}
.dark .muted{color:#B8B2A7}

/* breadcrumbs */
.crumbs{font-size:16px;color:var(--muted);margin-bottom:22px}
.crumbs ol{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--line-warm)}
.crumbs a{color:var(--muted)}
.dark .crumbs,.dark .crumbs a{color:#B8B2A7}

/* ---------- trust strip ---------- */
.trust-strip{background:#fff;border-bottom:1px solid var(--line)}
.trust-strip .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px 40px;padding-block:22px}
.trust-items{display:flex;flex-wrap:wrap;gap:12px 32px;align-items:center}
.trust-item{display:flex;align-items:flex-start;gap:10px;font-size:16px;color:var(--text)}
.trust-item svg{flex:0 0 18px;margin-top:4px}
.trust-item svg{color:var(--gold-deep)}
.partner-logos{display:flex;align-items:center;gap:22px;color:var(--muted);font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.partner-logos img{height:30px;width:auto}
.wordmark{font-size:20px;font-weight:800;letter-spacing:.02em;color:var(--ink);text-transform:none}

/* ---------- product duo ---------- */
.duo{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.product{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-card);overflow:hidden;box-shadow:0 1px 0 rgba(0,0,0,.02)}
.product-media{position:relative}
.product-media img{width:100%;aspect-ratio:16/9.5;object-fit:cover}
.product-tag{position:absolute;left:18px;top:18px;padding:7px 12px;border-radius:999px;background:rgba(255,255,255,.94);font-size:16px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--ink)}
.product-body{display:flex;flex-direction:column;gap:14px;padding:clamp(26px,3vw,38px);flex:1}
.product-body .h3{font-size:clamp(24px,2.3vw,30px)}
.product-name{font-size:16px;font-weight:800;color:var(--gold-text)}
.product-body .price{font-size:16px;color:var(--ink)}
.product-body .price strong{font-size:22px}
.product-actions{margin-top:auto;padding-top:10px;display:flex;flex-direction:column;align-items:flex-start;gap:16px}
@media (max-width:860px){.duo{grid-template-columns:minmax(0,1fr)}}

/* ---------- split (image + text) ---------- */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(36px,6vw,96px);align-items:center}
.split.reverse > :first-child{order:2}
.split-media img{width:100%;border-radius:var(--r-card);aspect-ratio:4/3.3;object-fit:cover}
.split .btn-row{margin-top:30px}
@media (max-width:900px){.split{grid-template-columns:minmax(0,1fr)}.split.reverse > :first-child{order:0}}

/* ---------- features with illustrations ---------- */
.features{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,3vw,44px)}
.feature{display:flex;flex-direction:column;gap:12px}

.feature p{color:var(--text)}
@media (max-width:900px){.features{grid-template-columns:minmax(0,1fr)}.feature{display:grid;grid-template-columns:72px minmax(0,1fr);column-gap:18px}.feature img.illo{grid-row:span 2}}

.list-rows{border-top:1px solid var(--ink)}
.list-row{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.4fr);gap:8px 40px;padding:26px 0;border-bottom:1px solid var(--line-warm)}
.list-row h3{font-size:22px}
@media (max-width:700px){.list-row{grid-template-columns:minmax(0,1fr)}}

/* ---------- steps ---------- */
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(var(--cols,3),minmax(0,1fr));gap:20px;counter-reset:step}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px 26px 30px;counter-increment:step}
.step::before{content:counter(step);display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--ink);color:#fff;font-weight:800;font-size:18px;margin-bottom:18px}
.steps.start-4{counter-reset:step 3}
.step h3{font-size:21px;line-height:1.2;margin-bottom:8px}
.step p{font-size:16.5px}
.step.accent::before{background:var(--gold);color:var(--ink)}
.dark .step{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.dark .step::before{background:var(--gold);color:var(--ink)}
.steps-label{display:flex;align-items:center;gap:14px;margin:40px 0 18px;font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.steps-label::after{content:"";flex:1;height:1px;background:var(--line-warm)}
.dark .steps-label{color:#E2C48F}.dark .steps-label::after{background:rgba(255,255,255,.14)}
@media (min-width:1001px) and (max-width:1200px){.steps[style*="--cols:5"]{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:1000px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.steps{grid-template-columns:minmax(0,1fr)}}

/* ---------- paper objects ---------- */
.paper-stage{position:relative;padding:28px 22px 46px;max-width:520px;margin-inline:auto}
.sheet{position:relative;background:var(--paper);border:1px solid var(--line-warm);border-radius:6px;padding:30px 30px 32px;transform:rotate(-1.2deg);box-shadow:0 1px 0 rgba(36,30,20,.05),var(--shadow-lg)}
.sheet-head{font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--ink);padding-bottom:12px}
.sheet-head b{display:block;color:var(--ink);font-size:16px}
.checklist{list-style:none;padding:0;margin-top:14px}
.checklist li{display:flex;gap:14px;align-items:center;padding:12px 0;border-bottom:1px dashed #D5CCBC;font-size:17.5px;color:var(--ink)}
.checklist li:last-child{border-bottom:0;font-weight:800}
.check{width:24px;height:24px;flex:0 0 auto;border-radius:6px;border:2px solid var(--ink);display:flex;align-items:center;justify-content:center;color:var(--ink)}
.check.gold{border-color:var(--gold-deep);color:var(--gold-deep)}
.sign-row{display:flex;gap:18px;margin-top:26px}
.sign-row > div{flex:1}
.sign-row .val{font-size:16px;padding:0 0 6px 2px;color:var(--ink);font-style:italic}
.sign-row .line{border-top:1.5px solid var(--ink);padding-top:6px;font-size:16px;font-weight:800;letter-spacing:.14em;color:var(--muted)}
.stamp{position:absolute;right:-4px;bottom:8px;width:142px;height:142px;border-radius:50%;border:3.5px solid var(--gold-text);box-shadow:inset 0 0 0 5px var(--paper),inset 0 0 0 7px var(--gold-text);display:flex;flex-direction:column;align-items:center;justify-content:center;transform:rotate(-14deg);color:var(--gold-text);text-align:center;background:rgba(255,253,248,.7);font-weight:800}
.stamp span{font-size:9.5px;letter-spacing:.2em}
.stamp b{font-size:25px;letter-spacing:.06em;line-height:1.1;color:var(--gold-text)}
.cert{background:var(--paper);padding:12px;border-radius:6px;transform:rotate(1deg);box-shadow:var(--shadow-lg);max-width:500px;margin-inline:auto}
.cert-inner{border:1.5px solid var(--gold-deep);outline:1px solid var(--gold-deep);outline-offset:-7px;border-radius:2px;padding:30px 26px;text-align:center;background-image:repeating-radial-gradient(circle at 50% 130%,rgba(149,124,89,.07) 0 1px,transparent 1px 7px)}
.cert-kicker{font-size:16px;font-weight:800;letter-spacing:.22em;color:var(--gold-text)}
.cert-title{margin-top:10px;font-size:28px;font-weight:400;color:var(--ink);letter-spacing:-.01em}
.cert-sub{margin-top:4px;font-size:16px;color:var(--muted)}
.cert-rows{margin-top:20px;border-top:1px solid var(--line-warm);text-align:left;font-size:16px}
.cert-rows div{display:flex;justify-content:space-between;gap:16px;padding:10px 2px;border-bottom:1px solid var(--line-warm)}
.cert-rows dt{color:var(--muted)}
.cert-rows dd{margin:0;font-weight:800;color:var(--ink);text-align:right}
@media (max-width:560px){.stamp{width:116px;height:116px}.stamp b{font-size:21px}.sheet{padding:24px 20px}}

/* ---------- case study ---------- */
.case{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,5vw,72px);align-items:start}
.ledger{background:#fff;border:1px solid var(--line);border-radius:var(--r-card);padding:clamp(22px,3vw,34px);box-shadow:var(--shadow)}
.ledger table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums}
.ledger caption{text-align:left;font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text);padding-bottom:12px}
.ledger th,.ledger td{padding:13px 0;border-bottom:1px solid var(--line);text-align:left;font-size:16.5px;vertical-align:top}
.ledger td:last-child,.ledger th:last-child{text-align:right;white-space:nowrap;padding-left:16px}
.ledger thead th{font-size:16px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:800}
.ledger tfoot td{border-bottom:0;padding-top:16px;font-weight:800;color:var(--ink);font-size:19px}
.ledger tfoot td:last-child{color:var(--ink);text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:3px;text-underline-offset:6px}
.compare{margin-top:22px;display:flex;gap:18px;align-items:center;padding:20px 22px;background:var(--gold-pale);border-radius:18px}
.compare strong{font-size:30px;line-height:1;white-space:nowrap}
@media (max-width:600px){.compare{flex-direction:column;align-items:flex-start;gap:8px}}
.source{margin-top:16px;font-size:16px;color:var(--muted)}
@media (max-width:900px){.case{grid-template-columns:minmax(0,1fr)}}

/* ---------- coverage table ---------- */
.table-wrap{position:relative;overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-card);background:#fff;-webkit-overflow-scrolling:touch}
.cov{width:100%;min-width:680px;border-collapse:collapse}
.cov th,.cov td{padding:18px 20px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top;font-size:16px}
.cov thead th{background:var(--canvas);font-size:16px;font-weight:800;color:var(--ink);position:sticky;top:0}
.cov thead th.tier{text-align:center;width:13%}
.cov thead th.tier small{display:block;font-weight:400;color:var(--muted);font-size:16px}
.cov th[scope="row"]{font-weight:800;color:var(--ink);width:24%}
.cov td.yes,.cov td.no{text-align:center}
.cov td.yes svg{margin-inline:auto;color:var(--gold-deep)}
.cov td.no{color:#A7A9AD}
.cov tr:last-child th,.cov tr:last-child td{border-bottom:0}
.cov .hl{background:rgba(204,165,101,.08)}
.table-note{margin-top:16px;font-size:16px;color:var(--muted)}

/* ---------- testimonial ---------- */
.quote-block{position:relative;max-width:900px;margin-inline:auto;text-align:center}
.quote-block blockquote{margin:0;font-size:clamp(26px,3vw,40px);line-height:1.25;font-weight:400;letter-spacing:-.02em;color:var(--ink)}
.quote-block figcaption{margin-top:26px;font-size:16px;color:var(--muted)}
.quote-block figcaption strong{display:block;color:var(--ink);font-size:17px}
.quote-mark{display:block;font-size:110px;font-weight:800;line-height:.6;height:52px;color:var(--gold);margin:0 auto 10px}

/* ---------- story ---------- */
.big-number{font-size:clamp(64px,9vw,128px);font-weight:400;letter-spacing:-.05em;line-height:.9;color:var(--ink)}
.dark .big-number{color:#fff}
.pull{border-left:3px solid var(--gold);padding-left:22px;font-size:21px;line-height:1.5;color:var(--ink);font-weight:400}
.dark .pull{color:#fff}

/* ---------- pros band ---------- */
.pros{position:relative;overflow:hidden;border-radius:var(--r-card)}
.pros-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);align-items:stretch}
.pros-copy{padding:clamp(34px,5vw,72px)}
.pros-media img{width:100%;height:100%;object-fit:cover;min-height:340px}
@media (max-width:900px){.pros-grid{grid-template-columns:minmax(0,1fr)}.pros-media{order:-1}.pros-media img{min-height:0;aspect-ratio:16/10}}

/* ---------- benefit list ---------- */
.ticks{list-style:none;padding:0;display:grid;gap:14px}
.ticks li{display:flex;gap:14px;align-items:flex-start}
.ticks svg{flex:0 0 auto;margin-top:3px;color:var(--gold-deep)}
.dark .ticks svg{color:var(--gold)}

.cards{display:grid;grid-template-columns:repeat(var(--cols,3),minmax(0,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px 26px}
.card h3{font-size:20px;margin-bottom:8px}
.card .illo,.feature img.illo{width:56px;height:56px;padding:13px;object-fit:contain;border-radius:16px;background:var(--gold-pale);margin-bottom:16px}
.dark .feature img.illo{background:rgba(204,165,101,.16)}
.card p{font-size:16.5px}
@media (max-width:1000px){.cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.cards{grid-template-columns:minmax(0,1fr)}}

/* ---------- FAQ ---------- */
.faq-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.4fr);gap:clamp(32px,5vw,80px);align-items:start}
.faq-side{position:sticky;top:110px}
.faq{border-top:1px solid var(--ink)}
.faq details{border-bottom:1px solid var(--line-warm)}
.faq summary{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;cursor:pointer;list-style:none;font-size:clamp(18px,1.6vw,21px);font-weight:800;color:var(--ink);line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{flex:0 0 auto;width:32px;height:32px;border-radius:50%;border:1.5px solid var(--line-warm);display:flex;align-items:center;justify-content:center;transition:transform .25s var(--ease),background .2s}
.faq details[open] summary .pm{transform:rotate(45deg);background:var(--gold-pale);border-color:var(--gold)}
.faq .answer{padding:0 52px 26px 0;color:var(--text)}
.faq .answer > *+*{margin-top:12px}
.faq-group-title{margin:44px 0 6px;font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
@media (max-width:900px){.faq-grid{grid-template-columns:minmax(0,1fr)}.faq-side{position:static}.faq .answer{padding-right:0}}

/* ---------- CTA band ---------- */
.cta-band{position:relative;isolation:isolate;overflow:hidden}
.cta-band .bg{position:absolute;inset:0;z-index:-2}
.cta-band .bg img{width:100%;height:100%;object-fit:cover;opacity:.35}
.cta-inner{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:32px 56px;align-items:end}
.cta-actions{display:flex;flex-direction:column;gap:12px}
.cta-actions .btn{width:100%}
.cta-actions .phone{text-align:center;color:#D9D4CB;font-size:16px}
.cta-actions .phone a{color:#fff;font-weight:800}
@media (max-width:860px){.cta-inner{grid-template-columns:minmax(0,1fr)}}

/* ---------- forms ---------- */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-card);padding:clamp(24px,3.4vw,44px);box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.form-grid .full{grid-column:1/-1}
.field label,.field legend{display:block;font-size:16px;font-weight:800;color:var(--ink);margin-bottom:7px}
.field .opt{font-weight:400;color:var(--muted)}
.input,select.input,textarea.input{width:100%;min-height:52px;border:1.5px solid #8C8579;border-radius:var(--r-control);padding:12px 16px;font:inherit;font-size:17px;color:var(--ink);background:#fff;transition:border-color .2s,box-shadow .2s}
textarea.input{min-height:140px;resize:vertical}
.input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(205,166,101,.35)}
.input[aria-invalid="true"]{border-color:var(--err)}
.help{margin-top:6px;font-size:16px;color:var(--muted)}
.error{margin-top:6px;font-size:16px;font-weight:800;color:var(--err)}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:16px;line-height:1.5;color:var(--text)}
.consent input{appearance:none;-webkit-appearance:none;width:24px;height:24px;margin:0;flex:0 0 auto;border:1.5px solid #8F8A80;border-radius:7px;background:#fff;display:grid;place-content:center;cursor:pointer}
.consent input::after{content:"";width:12px;height:7px;border:solid var(--ink);border-width:0 0 2.5px 2.5px;transform:rotate(-45deg) translate(1px,-1px);opacity:0}
.consent input:checked{background:var(--gold);border-color:var(--gold)}
.consent input:checked::after{opacity:1}
.consent input:focus-visible{outline:3px solid var(--gold-deep);outline-offset:2px}
.consent label,.consent span{font-weight:400}
.form-status{margin-top:16px;padding:16px 18px;border-radius:14px;background:var(--gold-pale);color:var(--ink);font-size:16px}
.form-status[data-kind="ok"]{background:#E7F3F1}
fieldset{border:0;padding:0;margin:0}
.form-section-title{grid-column:1/-1;margin-top:10px;padding-top:18px;border-top:1px solid var(--line);font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
@media (max-width:640px){.form-grid{grid-template-columns:minmax(0,1fr)}}

/* ---------- contact tiles ---------- */
.contact-tiles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.tile{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px}
.tile h3{font-size:18px;margin-bottom:6px}
.tile .big{font-size:22px;font-weight:800;color:var(--ink);overflow-wrap:anywhere}
.tile .big a{color:var(--ink);text-decoration:none}
@media (max-width:860px){.contact-tiles{grid-template-columns:minmax(0,1fr)}}

/* ---------- prose (legal, blog) ---------- */
.prose{max-width:740px;font-size:18.5px;line-height:1.75;color:var(--text)}
.prose > *+*{margin-top:1.05em}
.prose h2{font-size:clamp(26px,2.6vw,34px);line-height:1.15;letter-spacing:-.02em;margin-top:2.2em}
.prose h3{font-size:22px;line-height:1.25;margin-top:1.8em}
.prose h4{font-size:19px;margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li+li{margin-top:.45em}
.prose a{color:var(--ink);text-decoration-color:var(--gold);text-decoration-thickness:2px}
.prose blockquote{margin:1.6em 0;border-left:3px solid var(--gold);padding-left:22px;font-size:21px;color:var(--ink)}
.prose table{width:100%;border-collapse:collapse;font-size:16px;display:block;overflow-x:auto}
.prose th,.prose td{border-bottom:1px solid var(--line);padding:10px 12px 10px 0;text-align:left;vertical-align:top}
.prose figure{margin:1.6em 0}
.prose img{border-radius:16px}
.prose hr{border:0;border-top:1px solid var(--line-warm);margin:2.4em 0}
.legal-meta{display:flex;flex-wrap:wrap;gap:8px 22px;font-size:16px;color:var(--muted)}
.toc{position:sticky;top:110px;font-size:16px}
.toc ol{list-style:none;padding:0;display:grid;gap:4px}
.toc a{display:block;padding:6px 10px;border-radius:8px;color:var(--text);text-decoration:none}
.toc a:hover{background:var(--linen)}
.doc-grid{display:grid;grid-template-columns:240px minmax(0,1fr);gap:56px;align-items:start}
@media (max-width:960px){.doc-grid{grid-template-columns:minmax(0,1fr)}.toc{position:static}}

/* ---------- blog ---------- */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}
.chip{display:inline-flex;align-items:center;min-height:44px;padding:0 18px;border-radius:999px;border:1.5px solid var(--line-warm);background:#fff;font:inherit;font-size:16px;font-weight:800;color:var(--ink);cursor:pointer;text-decoration:none}
.chip[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.chip:hover{border-color:var(--ink)}
.posts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px 22px}
.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);color:var(--ink)}
.post-card img{width:100%;aspect-ratio:16/10;object-fit:cover}
.post-card .pc-body{display:flex;flex-direction:column;gap:10px;padding:22px 22px 26px;flex:1}
.post-card .cat{font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.post-card h3{font-size:20px;line-height:1.3}
.post-card p{font-size:16px;color:var(--muted)}
.post-card .more{margin-top:auto;padding-top:6px;font-size:16px;font-weight:800}
.post-card.featured{grid-column:span 2}
.post-card.featured img{aspect-ratio:16/8}
@media (max-width:1000px){.posts{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.posts{grid-template-columns:minmax(0,1fr)}.post-card.featured{grid-column:auto}}
.article-hero{padding-block:clamp(48px,6vw,88px) 32px}
.article-hero .h1{font-size:clamp(34px,4vw,54px);max-width:900px}
.article-meta{margin-top:22px;display:flex;flex-wrap:wrap;gap:8px 20px;font-size:16px;color:var(--muted)}
.article-cover img{width:100%;aspect-ratio:21/9;object-fit:cover;border-radius:var(--r-card)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:64px;align-items:start}
.article-aside{position:sticky;top:110px;display:grid;gap:18px}
.aside-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px}
.aside-card h2{font-size:19px;margin-bottom:8px}
.aside-card p{font-size:16px}
.aside-card .btn{margin-top:14px;width:100%}
@media (max-width:1000px){.article-layout{grid-template-columns:minmax(0,1fr)}.article-aside{position:static}}

/* ---------- chat (Ask us anything) ---------- */
.ask-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,5vw,72px);align-items:start}
@media (max-width:960px){.ask-grid{grid-template-columns:minmax(0,1fr)}}
.chat{background:#fff;border:1px solid var(--line);border-radius:var(--r-card);box-shadow:var(--shadow-lg);display:flex;flex-direction:column;overflow:hidden}
.chat-head{display:flex;align-items:center;gap:14px;padding:16px 20px;border-bottom:1px solid var(--line)}
.avatar{flex:0 0 44px;width:44px;height:44px;border-radius:50%;background:var(--charcoal);display:flex;align-items:center;justify-content:center}
.avatar img{width:26px;height:26px}
.chat-head strong{display:block;font-size:17px;line-height:1.25}
.chat-head span{display:block;font-size:16px;line-height:1.35;color:var(--muted)}
.restart{margin-left:auto;background:none;border:0;font:inherit;font-size:16px;font-weight:800;color:var(--ink);text-decoration:underline;cursor:pointer;min-height:44px;padding:0 6px}
.log{min-height:260px;max-height:clamp(360px,52vh,520px);overflow-y:auto;padding:22px 20px 12px;display:flex;flex-direction:column;gap:10px;background:var(--canvas)}
.msg{max-width:86%;padding:13px 18px;font-size:17.5px;line-height:1.5;overflow-wrap:anywhere;animation:msg .35s var(--ease) both}
.bot{align-self:flex-start;background:#fff;border:1px solid var(--line);border-radius:20px 20px 20px 6px}
.me{align-self:flex-end;background:var(--charcoal);color:#fff;border-radius:20px 20px 6px 20px;max-width:80%}
.typing{display:inline-flex;gap:5px;align-items:center;min-height:26px}
.typing i{width:8px;height:8px;border-radius:50%;background:#A39B8E;animation:blink 1s infinite}
.typing i:nth-child(2){animation-delay:.15s}.typing i:nth-child(3){animation-delay:.3s}
@keyframes blink{0%,80%,100%{opacity:.3}40%{opacity:1}}
@keyframes msg{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.chat .card{align-self:flex-start;width:min(100%,460px);padding:16px 20px;border-radius:18px}
.chat .card dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:6px 16px;font-size:16px}
.chat .card dt{color:var(--muted)}.chat .card dd{margin:0;font-weight:800;color:var(--ink);overflow-wrap:anywhere}
.chat .card .card-title{margin:0 0 10px;font-size:16px;font-weight:800;letter-spacing:.14em;color:var(--gold-text)}
.chips{display:flex;flex-wrap:wrap;gap:8px;justify-content:flex-end;padding:12px 20px 14px;background:var(--canvas)}
.chips:empty{display:none}
.chat .chip{min-height:48px;border-color:var(--ink);text-align:left;line-height:1.25}
.chat .chip:hover{background:var(--ink);color:#fff}
.chat .chip.gold{background:var(--gold);border-color:var(--gold)}
.chat .chip.gold:hover{background:var(--gold-hover);border-color:var(--gold-hover);color:var(--ink)}
.composer{border-top:1px solid var(--line);padding:16px 20px 20px;background:#fff}
.ask{display:flex;gap:10px;align-items:flex-end}
.ask .field{flex:1;min-width:0}
.send{flex:0 0 auto;width:52px;height:52px;border-radius:var(--r-control);border:0;background:var(--gold);color:var(--ink);cursor:pointer;display:flex;align-items:center;justify-content:center}
.send:hover{background:var(--gold-hover)}
.chat .step-label{font-size:16px;font-weight:800;letter-spacing:.06em;color:var(--gold-text);margin:0 0 12px}
.chat .grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.chat .grid .full{grid-column:1/-1}
@media (max-width:560px){.chat .grid{grid-template-columns:minmax(0,1fr)}}
.chat .form-actions{display:flex;flex-wrap:wrap;gap:10px 14px;align-items:center;margin-top:16px}
.linkbtn{background:none;border:0;font:inherit;font-size:16px;font-weight:800;text-decoration:underline;color:var(--ink);cursor:pointer;min-height:44px;padding:0 4px}
.fine{margin-top:12px;font-size:16px;color:var(--muted)}
.launcher{position:fixed;right:max(20px,env(safe-area-inset-right,0px));bottom:max(20px,env(safe-area-inset-bottom,0px));z-index:30;display:inline-flex;align-items:center;gap:10px;min-height:56px;padding:0 22px 0 18px;border-radius:999px;border:0;background:var(--charcoal);color:#fff;font:inherit;font-size:16px;font-weight:800;cursor:pointer;box-shadow:0 14px 30px -12px rgba(23,21,18,.55);transition:opacity .3s var(--ease),transform .3s var(--ease)}
.launcher:hover{background:#3A3836}
.launcher[data-hidden="true"]{opacity:0;transform:translateY(12px);pointer-events:none;visibility:hidden;transition:opacity .3s,transform .3s,visibility 0s .3s}
@media (max-width:640px){.launcher span{display:none}.launcher{padding:0 18px}}

/* ---------- footer ---------- */
.site-footer{background:var(--night);color:#C4BEB3;font-size:16px}
.site-footer a{color:#DCD6CB;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.foot-top{display:grid;grid-template-columns:minmax(0,1.4fr) repeat(4,minmax(0,1fr));gap:36px 32px;padding-block:72px 48px}
.foot-top h2{font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#fff;margin-bottom:14px}
.foot-top ul{list-style:none;padding:0;display:grid;gap:10px}
.foot-brand img{height:30px;width:auto}
.foot-brand p{margin-top:16px;max-width:330px}
.foot-contact{margin-top:18px;display:grid;gap:4px}
.foot-contact .num{font-size:20px;font-weight:800;color:#fff;user-select:all}
.foot-legal{border-top:1px solid #34312D;padding-block:28px 40px;font-size:16px;line-height:1.7;color:#BDB7AC;display:grid;gap:12px}
.foot-legal a{text-decoration:underline;text-decoration-color:#6B655C}
.foot-legal p{max-width:1100px}
.foot-bottom{display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;align-items:center;padding-top:8px}
.linkish{background:none;border:0;padding:0;font:inherit;color:#DCD6CB;cursor:pointer;text-decoration:none}
.linkish:hover{color:#fff;text-decoration:underline}
@media (max-width:1000px){.foot-top{grid-template-columns:repeat(2,minmax(0,1fr))}.foot-brand{grid-column:1/-1}}
@media (max-width:520px){.foot-top{grid-template-columns:minmax(0,1fr)}}

/* ---------- cookie banner ---------- */
.cookie{position:fixed;left:max(16px,env(safe-area-inset-left,0px));right:max(16px,env(safe-area-inset-right,0px));bottom:max(16px,env(safe-area-inset-bottom,0px));z-index:60;max-width:1000px;margin-inline:auto;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-lg);padding:16px 20px;display:flex;flex-wrap:wrap;align-items:center;gap:10px 24px}
.cookie[hidden]{display:none}
.cookie > div{flex:1 1 420px;min-width:0}
.cookie h2{font-size:16px;margin-bottom:2px}
.cookie p{font-size:16px;line-height:1.5;color:var(--text)}
@media (max-width:640px){.cookie{padding:12px 14px;gap:10px;bottom:max(10px,env(safe-area-inset-bottom,0px));left:10px;right:10px}.cookie h2{display:none}.cookie p{font-size:16px}.cookie .btn-row{width:100%;display:grid;grid-template-columns:1fr 1fr;gap:8px}.cookie .btn{min-height:44px;padding:0 10px}}
body.cookie-open .launcher{bottom:calc(max(20px,env(safe-area-inset-bottom,0px)) + 150px)}
.cookie .btn-row{margin-top:0;flex:0 0 auto}
.cookie .btn{min-height:46px;font-size:16px;padding:0 18px}

/* ---------- misc ---------- */
.notice{display:flex;gap:14px;align-items:flex-start;padding:18px 20px;border-radius:18px;background:var(--gold-pale);border:1px solid #EADCC3;color:var(--ink);font-size:16px}
.notice svg{flex:0 0 auto;color:var(--gold-deep);margin-top:2px}
.badge{display:inline-flex;align-items:center;gap:6px;padding:5px 12px;border-radius:999px;background:var(--gold-pale);color:var(--gold-text);font-size:16px;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.divider{height:1px;background:var(--line-warm);border:0;margin:0}
.licence-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,250px),1fr));gap:12px}
.licence{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px}
.licence dt{font-size:16px;color:var(--muted)}
.licence dd{margin:4px 0 0;font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums;word-break:break-word}
.preview-flag{position:fixed;left:50%;transform:translateX(-50%);top:calc(env(safe-area-inset-top,0px) + 82px);z-index:70;background:var(--ink);color:#fff;padding:10px 16px;border-radius:12px;font-size:16px;box-shadow:var(--shadow)}

.reveal{animation:rise .9s var(--ease) both}
.reveal-2{animation-delay:.12s}.reveal-3{animation-delay:.24s}
@keyframes rise{from{opacity:.001;transform:translateY(12px)}to{opacity:1;transform:none}}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}
@media print{.site-header,.site-footer,.launcher,.cookie,.chat{display:none!important}body{background:#fff}}


/* ==========================================================================
   v3 refinements (round-1 review fixes)
   ========================================================================== */
a[href^="tel:"],.nowrap{white-space:nowrap}
a.tel{font-weight:800;color:inherit;text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:2px}
.dark a.tel{color:#fff}
.big-tel{font-size:20px;text-decoration:none!important;color:var(--ink)!important}

/* gold tail: only on page H1s and the closing CTA, always its own line */
.h1 .gold,.cta-band .h2 .gold{display:block}

/* buttons on small phones: wrap and go full width */
@media (max-width:520px){
  .btn{white-space:normal;text-align:center;line-height:1.25;padding:14px 22px}
  .product-actions .btn,.page-hero .btn-row .btn,.split .btn-row .btn,.pros .btn-row .btn{width:100%}
  .product-actions{align-items:stretch}
  .product-actions .textlink{align-self:flex-start}
}

/* home hero on phones: photo visible, card overlaps it */
@media (max-width:700px){
  .hero{display:block;min-height:0;background:var(--canvas)}
  .hero-media{position:relative;inset:auto;height:300px}
  .hero-media img{object-position:62% 30%}
  .hero::after{display:none}
  .hero .wrap{padding-block:0 40px}
  .quote-card{margin-top:-70px;position:relative}
}

/* coverage table on phones: stacked rows, compact tier ticks */
.swipe-note{display:none}
@media (max-width:700px){
  .table-wrap{overflow:visible;border:0;background:none}
  .cov{min-width:0}
  .cov thead{position:sticky;top:64px;z-index:2}
  .cov thead tr{display:grid;grid-template-columns:minmax(0,1fr) repeat(3,56px);background:var(--canvas);border:1px solid var(--line);border-radius:14px}
  .cov thead th{padding:10px 4px;font-size:16px;border:0;position:static;text-align:center}
  .cov thead th:first-child{text-align:left;padding-left:14px}
  .cov thead th:nth-child(2){display:none}
  .cov thead th.tier small{display:none}
  .cov tbody tr{display:grid;grid-template-columns:minmax(0,1fr) repeat(3,56px);grid-template-areas:"name a b c" "desc desc desc desc";background:#fff;border:1px solid var(--line);border-radius:16px;margin-top:10px}
  .cov tbody th[scope="row"]{grid-area:name;width:auto;border:0;padding:14px 8px 4px 14px;font-size:16px}
  .cov tbody td{border:0;padding:14px 4px 4px;font-size:16px}
  .cov tbody td:nth-of-type(1){grid-area:desc;padding:0 14px 14px;color:var(--text)}
  .cov tbody td:nth-of-type(2){grid-area:a}.cov tbody td:nth-of-type(3){grid-area:b}.cov tbody td:nth-of-type(4){grid-area:c}
  .cov .hl{background:none}
  .swipe-note{display:block;margin-bottom:6px;font-size:16px;color:var(--muted)}
}

/* plain-English tier summaries */
.tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border-top:1px solid var(--ink);margin-bottom:28px}
.tiers > div{padding:20px 22px 22px 0}
.tiers > div + div{border-left:1px solid var(--line-warm);padding-left:22px}
.tiers b{display:block;font-size:19px;color:var(--ink)}
.tiers span{display:block;margin-top:4px;font-size:16px;color:var(--text)}
@media (max-width:760px){.tiers{grid-template-columns:minmax(0,1fr)}.tiers > div + div{border-left:0;border-top:1px solid var(--line-warm);padding-left:0}}

/* price + facts */
.price-pill{display:inline-flex;align-items:baseline;gap:10px;flex-wrap:wrap;margin-top:26px;padding:10px 18px;border-radius:999px;background:rgba(204,165,101,.16);color:#F1E6D2;font-size:16px}
.price-pill strong{font-size:22px;color:#fff}
.page-hero:not(.dark) .price-pill{background:var(--gold-pale);color:var(--ink)}
.page-hero:not(.dark) .price-pill strong{color:var(--ink)}
.firm-note{margin-top:22px;padding:16px 18px;border-left:3px solid var(--gold);background:rgba(255,255,255,.06);font-size:17px;max-width:600px}
.page-hero:not(.dark) .firm-note,.tab-panel .firm-note{background:var(--gold-pale);color:var(--ink)}
.tab-panel .firm-note{margin-top:0;font-size:16px;padding:12px 14px}
.tab-panel .firm-note + p{margin-top:10px}

/* "good to know" box */
.catch{margin-top:30px;padding:22px 24px;border-radius:18px;border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.04);max-width:620px}
.catch h2{font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#E2C48F;margin-bottom:12px}
.catch ul{list-style:none;padding:0;display:grid;gap:10px}
.catch li{position:relative;padding-left:22px;font-size:17px;color:#E4DFD6}
.catch li::before{content:"";position:absolute;left:0;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--gold)}

/* interior hero with a paper object instead of a photo */
.hero-object{display:flex;justify-content:center;padding:10px 0 20px}
.hero-object .cert{transform:rotate(1.4deg) scale(1.04);max-width:470px;width:100%}
.hero-object .paper-stage{padding-bottom:30px}

/* contact & claims: single-column hero with the phone number as the lead */
.hero-single{max-width:820px}
.hero-phone{display:inline-block;margin-top:26px;font-size:clamp(34px,4.4vw,48px);font-weight:800;letter-spacing:-.02em;color:var(--ink);text-decoration:none;line-height:1.1}
.hero-phone:hover{color:var(--gold-text)}
.hero-hours{margin-top:6px;font-size:17px;color:var(--muted)}
.defs{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;margin-top:40px;border-top:1px solid var(--ink)}
.defs > div{padding:18px 20px 18px 0}
.defs > div + div{padding-left:20px;border-left:1px solid var(--line-warm)}
.defs dt{font-size:16px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text)}
.defs dd{margin:6px 0 0;font-size:18px;color:var(--ink);overflow-wrap:anywhere}
.defs dd a{color:var(--ink)}
@media (max-width:760px){.defs{grid-template-columns:minmax(0,1fr)}.defs > div + div{padding-left:0;border-left:0;border-top:1px solid var(--line-warm)}}

/* text list with arrows (replaces boxed resource cards) */
.text-list{list-style:none;padding:0;border-top:1px solid var(--ink)}
.text-list li{border-bottom:1px solid var(--line-warm)}
.text-list a{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:6px 24px;align-items:center;padding:22px 0;text-decoration:none;color:var(--ink)}
.text-list a strong{font-size:20px}
.text-list a span{grid-column:1;color:var(--text);font-size:16.5px}
.text-list a::after{content:"→";grid-column:2;grid-row:1/span 2;font-size:24px;color:var(--gold-deep);transition:transform .2s var(--ease)}
.text-list a:hover::after{transform:translateX(4px)}

/* inline facts row (replaces boxed trust cards) */
.facts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid var(--ink)}
.facts > div{padding:22px 22px 6px 0}
.facts > div + div{padding-left:22px;border-left:1px solid var(--line-warm)}
.facts h3{font-size:19px;margin-bottom:6px}
.facts p{font-size:16.5px}
@media (max-width:1000px){.facts{grid-template-columns:repeat(2,minmax(0,1fr))}.facts > div:nth-child(3){padding-left:0;border-left:0}}
@media (max-width:600px){.facts{grid-template-columns:minmax(0,1fr)}.facts > div + div{padding-left:0;border-left:0;border-top:1px solid var(--line-warm)}}

/* stat strip (home: the real case in numbers) */
.stat-strip{display:grid;grid-template-columns:minmax(0,1.2fr) repeat(3,minmax(0,1fr));gap:0;align-items:start;border-top:1px solid var(--ink);border-bottom:1px solid var(--line-warm)}
.stat-strip > *{padding:28px 24px 28px 0}
.stat-strip > * + *{padding-left:24px;border-left:1px solid var(--line-warm)}
.stat-strip .num{display:block;font-size:clamp(30px,3.4vw,46px);font-weight:400;letter-spacing:-.03em;line-height:1;color:var(--ink);font-variant-numeric:tabular-nums}
.stat-strip .lbl{display:block;margin-top:10px;font-size:16px;color:var(--text)}
.stat-strip h2{font-size:clamp(22px,2vw,27px);line-height:1.2}
.stat-strip p{margin-top:10px;font-size:16px}
@media (max-width:900px){.stat-strip{grid-template-columns:repeat(3,minmax(0,1fr))}.stat-strip > :first-child{grid-column:1/-1;border-bottom:1px solid var(--line-warm)}.stat-strip > :nth-child(2){padding-left:0;border-left:0}}
@media (max-width:560px){.stat-strip{grid-template-columns:minmax(0,1fr)}.stat-strip > * + *{padding-left:0;border-left:0;border-top:1px solid var(--line-warm)}}

/* timeline steps (HCI) */
.timeline{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(var(--cols,4),minmax(0,1fr));gap:0;counter-reset:tl}
.timeline li{position:relative;padding:0 22px 0 0;counter-increment:tl}
.timeline li::before{content:counter(tl);position:relative;z-index:1;display:flex;align-items:center;justify-content:center;width:46px;height:46px;border-radius:50%;background:var(--ink);color:#fff;font-weight:800;font-size:18px;margin-bottom:20px;box-shadow:0 0 0 6px var(--canvas)}
.bg-surface .timeline li::before{box-shadow:0 0 0 6px #fff}
.timeline li::after{content:"";position:absolute;top:23px;left:46px;right:0;height:2px;background:var(--line-warm)}
.timeline li:last-child::after{display:none}
.timeline li.accent::before{background:var(--gold);color:var(--ink)}
.timeline h3{font-size:20px;line-height:1.2;margin-bottom:8px}
.timeline p{font-size:16.5px}
.timeline.start-4{counter-reset:tl 3}
.timeline-label{display:flex;align-items:center;gap:14px;margin:0 0 26px;font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.timeline + .timeline-label{margin-top:56px}
@media (max-width:1000px){
  .timeline{grid-template-columns:minmax(0,1fr)}
  .timeline li{padding:0 0 30px 70px;min-height:76px}
  .timeline li::before{position:absolute;left:0;top:0;margin:0}
  .timeline li::after{top:46px;bottom:0;left:22px;right:auto;width:2px;height:auto;display:block}
  .timeline li:last-child::after{display:none}
}

/* partner benefits (numbers first) */
.benefits{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--ink)}
.benefits > div{padding:26px 26px 10px 0}
.benefits > div + div{padding-left:26px;border-left:1px solid var(--line-warm)}
.benefits .num{display:block;font-size:clamp(34px,3.6vw,50px);font-weight:400;letter-spacing:-.03em;line-height:1;color:var(--ink)}
.benefits h3{margin-top:14px;font-size:20px}
.benefits p{margin-top:8px;font-size:16.5px}
@media (max-width:860px){.benefits{grid-template-columns:minmax(0,1fr)}.benefits > div + div{padding-left:0;border-left:0;border-top:1px solid var(--line-warm)}}

/* listing-side walkthrough */
.listing-flow{counter-reset:lf;list-style:none;padding:0;display:grid;gap:0;border-top:1px solid rgba(255,255,255,.18)}
.listing-flow li{counter-increment:lf;display:grid;grid-template-columns:56px minmax(0,1fr);gap:4px 18px;padding:22px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.listing-flow li::before{content:counter(lf,decimal-leading-zero);grid-row:span 2;font-size:22px;font-weight:400;color:var(--gold)}
.listing-flow h3{font-size:20px}
.listing-flow p{font-size:17px;color:#D9D4CB}

/* real stories H1 number */
.figure-h1{font-size:clamp(54px,8vw,112px);font-weight:400;letter-spacing:-.045em;line-height:.95;color:#fff;font-variant-numeric:tabular-nums}
.figure-h1 small{display:block;margin-top:14px;font-size:clamp(22px,2.4vw,32px);font-weight:800;letter-spacing:-.02em;line-height:1.15;color:#fff}

/* chat head on small screens */
@media (max-width:560px){.restart{white-space:nowrap}}
.chat-head > div{min-width:0;flex:1}
@media (max-width:380px){.chat-head{padding:14px}.avatar{display:none}}
.big-number{font-weight:400}
.claims-contact{grid-template-columns:minmax(0,1fr)}
.cov .m-short{display:none}
@media (max-width:700px){.cov .m-short{display:inline}.cov .m-long{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}}

.mini-quote{margin:22px 0 0;padding:16px 0 0;border-top:1px solid var(--line-warm)}
.mini-quote p{font-size:17px;font-weight:400;line-height:1.5;color:var(--ink)}
.mini-quote footer{margin-top:8px;font-size:16px;color:var(--muted)}

/* ===== v4 refinements (round-2 design review) ===== */
.stat-strip .lbl{max-width:22ch}
.field .consent{display:flex;gap:12px;align-items:flex-start;font-weight:400;font-size:16px;margin:0}
.field .consent span{font-weight:400}

/* FAQ as one centred column on product pages */
.faq-grid.single{display:block;max-width:860px;margin-inline:auto}
.faq-grid.single .faq-side{position:static;margin-bottom:28px}

/* two-by-two fact list */
.facts.two{grid-template-columns:repeat(2,minmax(0,1fr));border-top:0;gap:0 48px}
.facts.two > div{padding:22px 0;border-left:0;border-top:1px solid var(--line-warm)}
.facts.two > div:nth-child(-n+2){border-top:1px solid var(--ink)}
@media (max-width:600px){.facts.two{grid-template-columns:minmax(0,1fr)}.facts.two > div:nth-child(2){border-top:1px solid var(--line-warm)}}

/* plain tier list */
.tier-list{list-style:none;padding:0;margin:0 0 26px;display:grid;gap:8px;max-width:760px}
.tier-list li{font-size:17px}
.tier-list b{color:var(--ink)}

/* timelines on dark bands */
.dark .timeline li::before{background:var(--gold);color:var(--ink);box-shadow:0 0 0 6px var(--charcoal)}
.dark .timeline li.accent::before{background:#fff}
.dark .timeline li::after{background:rgba(255,255,255,.18)}
.dark .timeline p{color:#D9D4CB}
.dark .timeline-label{color:#E2C48F}

/* paper objects: stamp clears the signature labels */
.paper-stage .sign-row > div:last-child{padding-right:96px}
@media (max-width:560px){.stamp{width:96px;height:96px;right:-6px;bottom:4px}.stamp b{font-size:17px}.stamp span{font-size:8px}.paper-stage .sign-row > div:last-child{padding-right:70px}}
@media (max-width:1100px){.cert{max-width:min(500px,92%)}}

.case .btn-row{margin-top:28px}
.cta-band.flat .bg{display:none}

@media (max-width:520px){.price-pill{display:flex;border-radius:16px;padding:12px 16px}}
@media (max-width:420px){.defs.pair{grid-template-columns:minmax(0,1fr)!important}.defs.pair > div + div{padding-left:0;border-left:0;border-top:1px solid var(--line-warm)}}

/* 320px hero */
@media (max-width:360px){
  .tabs{grid-template-columns:minmax(0,1fr)}
  .tab{flex-direction:row;align-items:baseline;gap:8px;min-height:52px}
  .quote-card{padding:22px}
  .quote-card .h1{font-size:34px}
}

/* header: icon call between 1021 and 1279 */
@media (min-width:1021px) and (max-width:1279px){.call-btn{display:inline-flex;padding:0 12px}.call-btn span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}}

/* deposit calculator (DepositGuard set piece) */
.calc{background:var(--paper);border:1px solid var(--line-warm);border-radius:6px;box-shadow:var(--shadow-lg);padding:12px;transform:rotate(-.8deg)}
.calc-inner{border:1.5px solid var(--gold-deep);outline:1px solid var(--gold-deep);outline-offset:-7px;padding:28px 26px}
.calc label{display:block;font-size:16px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.calc input[type=range]{width:100%;margin:18px 0 6px;accent-color:var(--gold-deep);height:32px}
.calc .deposit{font-size:clamp(38px,4.4vw,56px);font-weight:400;letter-spacing:-.03em;color:var(--ink);font-variant-numeric:tabular-nums;line-height:1}
.calc dl{margin:22px 0 0;border-top:1px solid var(--line-warm);font-size:16px}
.calc dl div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--line-warm)}
.calc dt{color:var(--muted)}.calc dd{margin:0;font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums}
.calc .total dd{font-size:22px;text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:3px;text-underline-offset:6px}
.calc .note{margin-top:14px;font-size:16px;color:var(--muted)}
@media (max-width:420px){.paper-stage{padding:20px 8px 40px}.stamp{right:2px}.sheet{transform:rotate(-.8deg)}}
.tab strong{white-space:nowrap}

/* ===== v5 refinements (round-3 design review) ===== */
@media (max-width:700px){.hide-sm{display:none!important}.page-hero .cert-rows div:nth-child(n+4){display:none}.hero-object .cert{transform:rotate(1.4deg) scale(.94)}}
.catch.light{margin:0 auto;max-width:none;background:var(--gold-pale);border:1px solid #EADCC3;display:grid;grid-template-columns:minmax(0,.7fr) minmax(0,2fr);gap:12px 40px;align-items:start;padding:26px 30px}
.catch.light h2{color:var(--gold-text);margin:4px 0 0}
.catch.light li{color:var(--ink)}
@media (max-width:800px){.catch.light{grid-template-columns:minmax(0,1fr);padding:22px}}
.catch-band{padding-block:clamp(36px,4vw,56px) 0}
.flow-note{margin-top:18px;font-size:17px;color:#D9D4CB}
.listing-flow{counter-reset:none}
.listing-flow li{grid-template-columns:minmax(0,1fr);padding:20px 0 20px 22px;position:relative}
.listing-flow li::before{content:"";position:absolute;left:0;top:30px;width:8px;height:8px;border-radius:50%;background:var(--gold);grid-row:auto}
.case-total{margin-top:22px;font-size:clamp(48px,6vw,88px);font-weight:400;letter-spacing:-.04em;line-height:1;color:var(--ink);font-variant-numeric:tabular-nums}
.case-total-lbl{margin-top:10px;font-size:18px;color:var(--text)}
/* calculator: flat, custom slider */
.calc{transform:none}
.calc-amount{display:flex;align-items:center;justify-content:space-between;gap:12px}
.calc-step{flex:0 0 44px;width:44px;height:44px;border-radius:50%;border:1.5px solid var(--gold-deep);background:#fff;color:var(--ink);font:inherit;font-size:22px;font-weight:800;line-height:1;cursor:pointer}
.calc-step:hover{background:var(--gold-pale)}
.calc input[type=range]{-webkit-appearance:none;appearance:none;background:transparent;height:32px}
.calc input[type=range]::-webkit-slider-runnable-track{height:8px;border-radius:8px;background:linear-gradient(var(--gold-deep),var(--gold-deep)) 0/var(--p,0%) 100% no-repeat,#E6DFD2}
.calc input[type=range]::-moz-range-track{height:8px;border-radius:8px;background:#E6DFD2}
.calc input[type=range]::-moz-range-progress{height:8px;border-radius:8px;background:var(--gold-deep)}
.calc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-10px;border-radius:50%;background:#fff;border:3px solid var(--gold-deep);box-shadow:0 2px 6px rgba(0,0,0,.2)}
.calc input[type=range]::-moz-range-thumb{width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--gold-deep)}
.calc input[type=range]:focus-visible{outline:3px solid var(--gold-deep);outline-offset:4px}
/* certificate inside content edge */
@media (max-width:1180px){.hero-object{padding-right:16px}.hero-object .cert{max-width:100%;margin-right:0}}
.page-hero.dark .page-hero-grid{align-items:center}
.hero-object .cert{max-width:min(520px,100%)}
/* one accent rule for steps on dark bands */
.dark .timeline li::before{background:rgba(255,255,255,.12);color:#fff}
.dark .timeline li.accent::before{background:var(--gold);color:var(--ink)}
/* blog post H1 second line */
.h1-sub{display:block;margin-top:12px;font-size:clamp(22px,2.2vw,30px);font-weight:400;letter-spacing:-.01em;line-height:1.25;color:var(--text)}
/* FAQ toggle */
.faq summary{min-height:56px}
.faq summary .pm{width:34px;height:34px}
.faq summary .pm svg{width:14px;height:14px;stroke-width:2}
/* stat strip dividers */
.stat-strip{align-items:stretch}
.stat-strip > *{display:flex;flex-direction:column;justify-content:flex-start}
@media (max-width:520px){.hero-object{display:none}.page-hero .lead{font-size:18px}}
@media (max-width:520px){.page-hero .paper-stage{display:none}}

/* ===== v6 refinements (round-4 design review) ===== */
.case-head{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:end;gap:24px 48px;margin-bottom:44px;padding-bottom:28px;border-bottom:1px solid var(--line-warm)}
.case-head .h2{max-width:14ch}
.case-head .case-total{margin-top:0;text-align:right}
.case-head .case-total-lbl{text-align:right;max-width:30ch;margin-left:auto}
.case{align-items:start}
@media (max-width:800px){.case-head{grid-template-columns:minmax(0,1fr)}.case-head .case-total,.case-head .case-total-lbl{text-align:left;margin-left:0}}
@media (max-width:900px){.hero-object{justify-content:flex-start;padding-right:0}.hero-object .cert{max-width:480px;margin-left:0}.page-hero .cert-rows div:nth-child(n+4){display:none}}
.firm-line{display:none}
@media (max-width:520px){.tab-panel .firm-note{display:none}.firm-line{display:block;font-size:16px;color:var(--muted);margin:0 0 4px}}
.product-body .price{margin-top:auto}
.product-actions{margin-top:20px}
.calc-step{display:inline-flex;align-items:center;justify-content:center}
.catch.light{grid-template-columns:minmax(0,1fr);max-width:860px;gap:14px}
.catch.light h2{font-size:20px;letter-spacing:-.01em;text-transform:none;color:var(--ink);font-weight:800}
.faq summary .pm svg{width:14px;height:14px;stroke-width:2.25}
/* one warm grade on photography */
.product-media img,.split-media img,.post-card img,.article-cover img,.pros-media img,.hero-media img{filter:sepia(.08) saturate(.94) contrast(1.03)}
@media (max-width:520px){.hero-media{height:210px}.quote-card{margin-top:-56px}.quote-card .lead{font-size:17px;margin-top:12px}.chooser{margin-top:20px}}
@media (max-width:900px){.hero-object{padding-left:14px}}
@media (max-width:1100px){.page-hero .firm-note{background:none;border-left:0;padding:0;font-size:16px;color:#C9C3B8}}
@media (max-width:360px){.quote-card .eyebrow{letter-spacing:.08em;font-size:16px}}

/* ==========================================================================
   SMO-Brand-Kit V3 layer (2026-10-30)
   Values from "NEW BRANDKIT/SMO-Brand-Kit-V3/3 - Tokens/smo-tokens.css".
   This block sits last so it wins over the earlier rounds. Change brand
   values in the --smo-* tokens only.
   ========================================================================== */
@font-face{font-family:"Inter";src:url("../fonts/inter-latin-400-normal.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Inter";src:url("../fonts/inter-latin-600-normal.woff2") format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Inter";src:url("../fonts/inter-latin-700-normal.woff2") format("woff2");font-weight:700 900;font-display:swap}
@font-face{font-family:"Syne";src:url("../fonts/syne-latin-600-normal.woff2") format("woff2");font-weight:600;font-display:swap}

:root{
  /* ---- V3 tokens (exact values) ---- */
  --smo-ink:#0A080B; --smo-charcoal:#242424; --smo-walnut:#4F3E31; --smo-bronze:#957C59;
  --smo-gold:#CCA565; --smo-beige:#E1D6C2; --smo-cream:#F0EAE1; --smo-white:#FFFFFF;
  --smo-success:#21766F; --smo-error:#CC003E; --smo-success-on-dark:#33B5AB; --smo-error-on-dark:#FF6B47;
  --smo-pill-neutral:#F7F1E6; --smo-pill-success:#E9F7F6;
  --smo-card-bg:linear-gradient(180deg,var(--smo-white) 0%,var(--smo-cream) 100%);
  --smo-card-edge:inset 0 1px 0 var(--smo-white);
  --smo-overlay:linear-gradient(90deg,var(--smo-ink) 0%,var(--smo-charcoal) 60%,var(--smo-walnut) 100%);
  --smo-frost:rgba(10,8,11,.72);
  --smo-selected-tint:rgba(204,165,101,.08);
  --smo-font-head:"Articulat CF","Inter",sans-serif;
  --smo-font-body:"Inter",sans-serif;
  --smo-font-eyebrow:"Syne",sans-serif;
  --smo-control-height:50px; --smo-radius-btn:15px; --smo-radius-card:25px; --smo-radius-pill:999px;
  --smo-focus-ring:0 0 0 3px rgba(204,165,101,.45);
  --smo-shadow-sm:0 1px 2px rgba(11,24,24,.06);
  --smo-shadow:0 2px 10px rgba(11,24,24,.07);
  --smo-shadow-lg:0 10px 32px rgba(11,24,24,.14);
  --smo-container:1440px; --smo-gutter:16px; --smo-section-pad:32px; --smo-measure:68ch;

  /* ---- Jamie's variable names, re-pointed at V3 values ---- */
  --canvas:var(--smo-white); --surface:var(--smo-cream); --linen:var(--smo-cream); --beige:var(--smo-beige); --paper:var(--smo-white);
  --charcoal:var(--smo-charcoal); --night:var(--smo-ink); --deep:var(--smo-ink); --walnut:var(--smo-walnut);
  --ink:var(--smo-charcoal); --text:var(--smo-charcoal); --muted:var(--smo-walnut); --line:var(--smo-beige); --line-warm:var(--smo-beige);
  --gold:var(--smo-gold); --gold-hover:var(--smo-walnut); --gold-deep:var(--smo-bronze); --gold-text:var(--smo-walnut); --gold-pale:var(--smo-pill-neutral);
  --ok:var(--smo-success); --err:var(--smo-error); --err-dark:var(--smo-error-on-dark);
  --font:var(--smo-font-body);
  --r-control:var(--smo-radius-btn); --r-card:var(--smo-radius-card); --r-small:var(--smo-radius-btn);
  --shadow:var(--smo-shadow); --shadow-lg:var(--smo-shadow-lg);
  --max:var(--smo-container); --gutter:var(--smo-gutter); --section:var(--smo-section-pad);
}
@media (min-width:640px){:root{--smo-gutter:24px;--smo-section-pad:48px}}

/* ---------- base type ---------- */
body{font-family:var(--smo-font-body);font-size:1.125rem;line-height:1.6;font-weight:400;color:var(--smo-charcoal);background:var(--smo-white)}
h1,h2,h3,h4,.h1,.h2,.h3{font-family:var(--smo-font-head);color:var(--smo-charcoal);line-height:1.2;letter-spacing:0}
strong{font-weight:700;color:inherit}
.h1{font-size:2.3125rem;font-weight:700}
.h2{font-size:1.75rem;font-weight:600}
.h3{font-size:1.3125rem;font-weight:500}
@media (min-width:640px){.h1{font-size:2.875rem}.h2{font-size:2.125rem}.h3{font-size:1.625rem}}
.quote-card .h1{font-size:2.3125rem}
@media (min-width:640px){.quote-card .h1{font-size:2.875rem}}
.lead{font-size:1.1875rem;line-height:1.55;max-width:var(--smo-measure)}
@media (min-width:640px){.lead{font-size:1.3125rem}}
.small{font-size:1rem}.tiny{font-size:1rem}
main p,main li,.prose,.measure{max-width:var(--smo-measure)}
.measure{max-width:var(--smo-measure)}
.center p,.center .lead{margin-inline:auto}
.eyebrow{font-family:var(--smo-font-eyebrow);font-size:.9375rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--smo-walnut);margin:0 0 12px;gap:0}
.eyebrow::before{display:none}
@media (min-width:640px){.eyebrow{font-size:1rem}}
.dark .eyebrow,.on-dark .eyebrow,.quote-card .eyebrow{color:var(--smo-gold)}
.gold{color:var(--smo-walnut)}
.dark .gold,.on-dark .gold,.quote-card .gold{color:var(--smo-gold)}
a{color:var(--smo-walnut)}
a:hover{color:var(--smo-charcoal)}
:focus-visible{outline:3px solid var(--smo-bronze);outline-offset:2px;box-shadow:var(--smo-focus-ring)}
.dark :focus-visible,.quote-card :focus-visible,.site-footer :focus-visible{outline-color:var(--smo-gold)}

/* ---------- layout: fluid to 1440px, 16px gutters on phones, 24px from 640px ---------- */
.wrap{max-width:var(--smo-container);padding-left:max(var(--smo-gutter),env(safe-area-inset-left,0px));padding-right:max(var(--smo-gutter),env(safe-area-inset-right,0px))}
.section{padding-block:var(--smo-section-pad)}
.section-tight{padding-block:var(--smo-section-pad)}
.page-hero{padding-block:64px}
@media (max-width:639px){.page-hero{padding-block:48px}}
.bg-surface,.bg-linen{background:var(--smo-cream)}
.border-top{border-top:0}

/* ---------- buttons: 50px, 15px radius, label colour set on the button itself ---------- */
html body .btn{min-height:var(--smo-control-height);padding:0 24px;border-radius:var(--smo-radius-btn);border:1px solid var(--smo-gold);font-family:var(--smo-font-body);font-size:1rem;font-weight:600;line-height:1.25;text-decoration:none;box-shadow:none;transform:none;transition:var(--smo-transition,background .15s ease)}
html body .btn:active{transform:none}
html body .btn-sm{min-height:var(--smo-control-height);padding:0 24px;font-size:1rem;border-radius:var(--smo-radius-btn)}
/* primary: gold fill, CHARCOAL label; hover walnut fill, white label */
html body a.btn-gold,html body button.btn-gold,html body .btn-gold:visited,
html body .dark a.btn-gold,html body .site-footer a.btn-gold,html body .mobile-nav a.btn-gold{background:var(--smo-gold);border-color:var(--smo-gold);color:var(--smo-charcoal)}
html body a.btn-gold:hover,html body a.btn-gold:focus-visible,html body button.btn-gold:hover,html body button.btn-gold:focus-visible,
html body .dark a.btn-gold:hover,html body .dark a.btn-gold:focus-visible{background:var(--smo-walnut);border-color:var(--smo-walnut);color:var(--smo-white)}
/* secondary: white fill, charcoal label, 1px gold border; hover cream. Same on dark. */
html body a.btn-line,html body button.btn-line,html body a.btn-ink,html body button.btn-ink,html body .btn-line:visited,
html body .dark a.btn-line,html body .on-dark a.btn-line,html body .dark button.btn-line,html body .mobile-nav a.btn-line{background:var(--smo-white);border-color:var(--smo-gold);color:var(--smo-charcoal);box-shadow:none}
html body a.btn-line:hover,html body a.btn-line:focus-visible,html body button.btn-line:hover,html body button.btn-line:focus-visible,
html body a.btn-ink:hover,html body button.btn-ink:hover,html body .dark a.btn-line:hover,html body .dark a.btn-line:focus-visible{background:var(--smo-cream);border-color:var(--smo-gold);color:var(--smo-charcoal)}
html body .btn[disabled]{background:var(--smo-cream);border-color:transparent;color:var(--smo-walnut);cursor:not-allowed}
.textlink{color:var(--smo-charcoal);font-weight:600;border-bottom-color:var(--smo-gold)}
.textlink:hover{color:var(--smo-walnut)}
.dark .textlink,.quote-card .textlink{color:var(--smo-white)}
.dark a:not(.btn){color:var(--smo-gold)}
.dark a.textlink{color:var(--smo-white)}
.btn-row{gap:8px 12px}
/* phones: the section's main buttons go full width; pairs stack, primary first, 8px apart */
@media (max-width:639px){
  html body main .btn-row .btn,html body main .product-actions .btn,html body main .cta-actions .btn,html body main .tab-panel .btn,html body main form .btn,html body main .aside-card .btn{width:100%;white-space:normal;text-align:center;padding:12px 20px}
  main .btn-row{flex-direction:column;align-items:stretch;gap:8px}
  main .btn-row .textlink{align-self:flex-start}
  main .btn-row > span{text-align:left}
}

/* ---------- header and navigation ---------- */
.site-header{background:var(--smo-white);border-bottom:1px solid var(--smo-beige);backdrop-filter:none;-webkit-backdrop-filter:none}
.header-row{min-height:74px;gap:24px}
.nav{margin-left:auto;margin-right:auto;gap:4px}
.nav > a,.nav .nav-group > button{font-family:var(--smo-font-body);font-size:1rem;font-weight:600;color:var(--smo-charcoal);min-height:44px;padding:0 12px;border-radius:var(--smo-radius-btn)}
.nav > a:hover,.nav .nav-group > button:hover,.nav .nav-group.open > button{background:var(--smo-cream);color:var(--smo-charcoal)}
.nav a[aria-current="page"],.nav .nav-group.has-current > button{box-shadow:none;text-decoration:underline;text-decoration-color:var(--smo-gold);text-decoration-thickness:2px;text-underline-offset:8px;border-radius:var(--smo-radius-btn)}
.menu{border:1px solid var(--smo-beige);border-radius:var(--smo-radius-btn);box-shadow:var(--smo-shadow-lg);padding:8px;min-width:360px}
.menu a{border-radius:var(--smo-radius-btn);padding:12px;gap:16px;align-items:center}
.menu a:hover{background:var(--smo-cream)}
.menu a[aria-current="page"]{background:var(--smo-selected-tint);box-shadow:inset 0 0 0 1px var(--smo-gold)}
.menu strong{font-size:1rem;font-weight:600}
.menu span span{font-size:1rem;color:var(--smo-walnut)}
.menu-illo{position:relative;flex:0 0 64px;width:64px;height:56px}
.menu-illo::before{content:"";position:absolute;top:0;right:0;width:44px;height:44px;border-radius:50%;background:var(--smo-beige)}
.menu-illo img{position:absolute;left:0;bottom:0;width:52px;height:46px;object-fit:contain;padding:0;border-radius:0;background:none}
.header-actions{margin-left:0;gap:12px}
.btn-agent{flex:0 0 auto}
/* Menu button (under 1024px) */
.menu-toggle{display:none;align-items:center;gap:8px;min-height:var(--smo-control-height);padding:0 16px;border-radius:var(--smo-radius-btn);border:1px solid var(--smo-gold);background:var(--smo-white);font-family:var(--smo-font-body);font-size:1rem;font-weight:600;color:var(--smo-charcoal);cursor:pointer}
.menu-toggle:hover{background:var(--smo-cream)}
.menu-toggle .mt-close{display:none}
.menu-toggle.is-open .mt-open{display:none}
.menu-toggle.is-open .mt-close{display:inline}
.menu-toggle svg{display:block}
.mobile-nav{display:none}
@media (max-width:1023px){
  .nav,.btn-agent{display:none!important}
  .header-actions{margin-left:auto}
  .menu-toggle{display:inline-flex}
  .site-header{position:sticky}
  .mobile-nav.open{display:block;position:absolute;left:0;right:0;top:100%;background:var(--smo-white);border-top:1px solid var(--smo-beige);border-bottom:1px solid var(--smo-beige);box-shadow:var(--smo-shadow-lg);max-height:calc(100dvh - 75px);overflow-y:auto;padding:8px 0 24px}
  .mobile-nav ul{list-style:none;padding:0;margin:0}
  .mobile-nav a:not(.btn){display:flex;align-items:center;min-height:52px;padding:12px 4px;border-bottom:1px solid var(--smo-beige);font-size:1.125rem;font-weight:600;text-decoration:none;color:var(--smo-charcoal)}
  .mobile-nav a[aria-current="page"]{text-decoration:underline;text-decoration-color:var(--smo-gold);text-decoration-thickness:2px;text-underline-offset:6px}
  .mobile-nav .sub{padding-left:16px}
  .mobile-nav .sub span{margin-left:8px;font-weight:400;color:var(--smo-walnut)}
  .mobile-nav .label{display:block;padding:16px 4px 4px;font-family:var(--smo-font-eyebrow);font-size:.9375rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--smo-walnut)}
  .mobile-nav .btn{display:flex;width:100%;margin-top:24px}
  .mobile-nav a.call-row{display:flex;flex-direction:column;align-items:flex-start;gap:4px;margin-top:12px;padding:12px 16px;border:0;border-radius:var(--smo-radius-btn);background:var(--smo-cream);min-height:0}
  .mobile-nav .call-row span{font-size:1rem;font-weight:400;color:var(--smo-charcoal);margin:0}
}
html.nav-open{overflow:hidden}
@media (min-width:1024px){html.nav-open{overflow:visible}}
@media (max-width:639px){.brand img{height:26px}}

/* ---------- photography: one warm grade on every photo ---------- */
img.photo{filter:sepia(.08) saturate(.94) contrast(1.03)}

/* ---------- home hero: photo clearly visible, dark gradient only behind the text side ---------- */
.hero{background:var(--smo-white);min-height:0;display:block}
.hero-media{position:relative;inset:auto;height:auto;aspect-ratio:4/3;z-index:0}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:62% 40%}
.hero::after{display:none}
.hero .wrap{padding-block:0 32px;position:relative;z-index:1}
.quote-card{position:relative;margin-top:-48px;width:100%;max-width:600px;background:var(--smo-ink);color:var(--smo-beige);border:1px solid var(--smo-gold);border-radius:var(--smo-radius-card);box-shadow:var(--smo-shadow-lg);padding:24px}
@media (min-width:640px){.quote-card{padding:32px}.hero-media{aspect-ratio:16/9}}
.quote-card h1,.quote-card .h1,.quote-card strong{color:var(--smo-white)}
.quote-card .lead,.quote-card p{color:var(--smo-beige)}
.quote-card .lead{font-size:1.1875rem;margin-top:12px}
.chooser{margin-top:24px}
.chooser-legend{font-size:1rem;font-weight:600;color:var(--smo-white)}
.tabs{gap:8px;padding:0;background:none;border:0;border-radius:0}
.tab{min-height:56px;padding:8px 16px;border-radius:var(--smo-radius-btn);border:1px solid var(--smo-bronze);background:transparent;color:var(--smo-white)}
.tab strong{color:inherit;font-size:1rem;font-weight:600}
.tab span{font-size:1rem;color:var(--smo-beige)}
.tab[aria-selected="true"]{background:var(--smo-gold);border-color:var(--smo-gold);color:var(--smo-charcoal);box-shadow:none}
.tab[aria-selected="true"] span{color:var(--smo-charcoal)}
.tab-panel p{font-size:1rem}
.tab-panel .firm-note,.page-hero:not(.dark) .tab-panel .firm-note{background:rgba(255,255,255,.06);color:var(--smo-beige);border-left:3px solid var(--smo-gold)}
.quote-card a:not(.btn){color:var(--smo-white)}
.quote-card .saved-link,.quote-card .saved-link.muted{color:var(--smo-beige)}
.quote-card a.saved-link{color:var(--smo-white);text-decoration:underline;text-decoration-color:var(--smo-gold);text-underline-offset:4px}
.hero-note{border-top-color:rgba(225,214,194,.25);color:var(--smo-beige);font-size:1rem}
.hero-note svg{stroke:var(--smo-gold)}
.quote-card a.tel{color:var(--smo-white)}
@media (min-width:1024px){
  .hero{position:relative;isolation:isolate;display:flex;align-items:center;min-height:clamp(600px,78vh,760px);background:var(--smo-charcoal)}
  .hero-media{position:absolute;inset:0;aspect-ratio:auto;z-index:-2}
  .hero-media img{object-position:70% 40%}
  .hero::after{display:block;content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,8,11,.82) 0%,rgba(10,8,11,.62) 34%,rgba(10,8,11,0) 58%)}
  .hero .wrap{padding-block:48px}
  .quote-card{margin-top:0;max-width:560px;background:var(--smo-frost);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px)}
}

/* ---------- photo band (CTA and banners with text): gradient only behind the text side ---------- */
.photo-band{position:relative;isolation:isolate;padding:0;background:var(--smo-ink)}
.photo-band .pb-media img{width:100%;aspect-ratio:4/3;object-fit:cover;display:block}
.photo-band .pb-copy{padding-block:32px}
@media (min-width:640px){.photo-band .pb-media img{aspect-ratio:8/3}}
@media (min-width:1024px){
  .photo-band{display:flex;align-items:center;min-height:540px}
  .photo-band .pb-media{position:absolute;inset:0;z-index:-2}
  .photo-band .pb-media img{height:100%;aspect-ratio:auto}
  .photo-band::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(10,8,11,.86) 0%,rgba(10,8,11,.78) 40%,rgba(10,8,11,.25) 58%,rgba(10,8,11,0) 70%)}
  .photo-band .wrap{width:100%}
  .photo-band .pb-copy{max-width:min(46%,600px);padding-block:64px}
}
.photo-band.dark{background:var(--smo-ink)}
.cta-band .bg img{opacity:1}

/* banner photo (1600x600), stacked crop on phones */
.banner{margin:0}
.banner img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--smo-radius-card)}
@media (min-width:640px){.banner img{aspect-ratio:8/3}}
.banner-band{padding-block:0 var(--smo-section-pad)}
.banner-band.tight-top{padding-top:var(--smo-section-pad)}
.media-card img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--smo-radius-card)}

/* ---------- SMO illustrations on a solid circle behind their top right ---------- */
.illo{position:relative;width:160px;height:140px;margin:0 0 16px}
.illo::before{content:"";position:absolute;top:0;right:0;width:113px;height:113px;border-radius:50%;background:var(--smo-beige)}
.illo img{position:absolute;left:0;bottom:0;width:140px;height:120px;object-fit:contain;object-position:left bottom;padding:0;margin:0;border-radius:0;background:none}
@media (min-width:640px){.illo{width:240px;height:210px;margin-bottom:24px}.illo::before{width:170px;height:170px}.illo img{width:210px;height:180px}}
.bg-surface .illo::before,.bg-linen .illo::before,.illo.on-cream::before{background:var(--smo-bronze)}
.dark .illo::before,.illo.on-white::before{background:var(--smo-beige)}
.center .illo{margin-inline:auto}

/* ---------- surfaces, cards ---------- */
.dark{background:var(--smo-overlay);color:var(--smo-beige)}
.dark h1,.dark h2,.dark h3,.dark strong{color:var(--smo-white)}
.dark .muted,.dark .crumbs,.dark .crumbs a{color:var(--smo-beige)}
.dark .lead,.dark p{color:var(--smo-beige)}
.page-hero.dark{background:var(--smo-overlay)}
.product,.post-card,.aside-card,.tile,.licence,.card,.step,.pros-card{background:var(--smo-card-bg);border:1px solid var(--smo-beige);border-radius:var(--smo-radius-card);box-shadow:var(--smo-card-edge)}
.bg-surface .product,.bg-surface .post-card,.bg-surface .aside-card,.bg-surface .tile,.bg-surface .licence,.bg-surface .card,.bg-linen .post-card{background:var(--smo-white)}
.product-body{padding:24px}
@media (min-width:640px){.product-body{padding:32px}}
.product-body .h3{font-size:1.3125rem}
.product-name{font-family:var(--smo-font-eyebrow);font-size:1rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--smo-walnut)}
.product-media img{aspect-ratio:4/3}
.product-tag,.badge,.trust-pill{font-size:1rem;font-weight:600;letter-spacing:0;text-transform:none;border-radius:var(--smo-radius-pill)}
.product-tag{background:var(--smo-white);color:var(--smo-charcoal)}
.badge{background:var(--smo-pill-neutral);color:var(--smo-walnut)}
.post-card{border-radius:var(--smo-radius-card)}
.post-card img{aspect-ratio:4/3}
.post-card .cat{font-family:var(--smo-font-eyebrow);font-size:1rem;letter-spacing:.06em;font-weight:600;color:var(--smo-walnut)}
.post-card h3{font-size:1.3125rem;font-weight:500}
.post-card p{font-size:1rem;color:var(--smo-charcoal)}
.post-card:hover{transform:none;box-shadow:var(--smo-shadow)}
.notice,.compare,.catch,.catch.light,.form-status,.cookie,.form-card,.ledger,.table-wrap,.chat,.calc{border-radius:var(--smo-radius-card)}
.notice{background:var(--smo-pill-neutral);border:1px solid var(--smo-beige)}
.notice svg{color:var(--smo-walnut)}
.catch.light{background:var(--smo-pill-neutral);border:1px solid var(--smo-beige)}
.pros{border-radius:var(--smo-radius-card)}
.pros-card{overflow:hidden}
.pros-media img{border-radius:0}
.split-media img,.page-hero-media > img{border-radius:var(--smo-radius-card)}
.mini-quote footer,.quote-block figcaption{font-size:1rem}
.quote-block blockquote,.pull,.mini-quote p{font-weight:400}
.quote-block blockquote{font-size:1.3125rem;line-height:1.45;font-family:var(--smo-font-body)}
@media (min-width:640px){.quote-block blockquote{font-size:1.625rem}}

/* steps / timelines: numbered badge, 44px white circle, 1px gold border, charcoal number */
.timeline li::before,.step::before{width:44px;height:44px;background:var(--smo-white);color:var(--smo-charcoal);border:1px solid var(--smo-gold);font-family:var(--smo-font-body);font-weight:600;box-shadow:0 0 0 6px var(--smo-white)}
.bg-surface .timeline li::before{box-shadow:0 0 0 6px var(--smo-cream)}
.timeline li.accent::before,.step.accent::before{background:var(--smo-cream);color:var(--smo-charcoal);border-color:var(--smo-gold)}
.timeline li::after{top:22px;left:44px;background:var(--smo-beige)}
.dark .timeline li::before,.dark .timeline li.accent::before{background:var(--smo-white);color:var(--smo-charcoal);box-shadow:0 0 0 6px transparent}
.dark .timeline li.accent::before{background:var(--smo-gold)}
.timeline h3,.step h3{font-size:1.3125rem;font-weight:500}
.timeline p,.step p{font-size:1.125rem}
.timeline-label,.steps-label,.faq-group-title,.form-section-title,.defs dt,.ledger caption,.calc label,.catch h2,.cert-kicker,.sheet-head,.mobile-nav .label{font-family:var(--smo-font-eyebrow);font-weight:600;letter-spacing:.06em}
@media (max-width:1000px){.timeline li::before{position:absolute;left:0;top:0}.timeline li::after{top:44px;left:22px}}

/* tables */
.table-wrap{border:1px solid var(--smo-beige);background:var(--smo-white)}
.cov thead th{background:var(--smo-cream);font-weight:600}
.cov th,.cov td{border-bottom-color:var(--smo-beige)}
.cov .hl{background:var(--smo-selected-tint)}
.cov td.yes svg{color:var(--smo-success)}
.ledger{border:1px solid var(--smo-beige);box-shadow:var(--smo-card-edge)}

/* FAQ: beige dividers, chevron that flips when open */
.faq{border-top:1px solid var(--smo-beige)}
.faq details{border-bottom:1px solid var(--smo-beige)}
.faq summary{font-family:var(--smo-font-body);font-size:1.125rem;font-weight:600}
.faq summary .pm{border:0;width:44px;height:44px;flex:0 0 44px}
.faq details[open] summary .pm{transform:rotate(180deg);background:none}
.faq summary .pm svg{width:20px;height:20px}

/* forms */
.input,select.input,textarea.input{min-height:var(--smo-control-height);border:1px solid var(--smo-bronze);border-radius:var(--smo-radius-btn);font-size:1.0625rem;background:var(--smo-white)}
.input:focus{border-color:var(--smo-gold);box-shadow:var(--smo-focus-ring)}
.input[aria-invalid="true"]{border-color:var(--smo-error)}
.field label,.field legend{font-size:1rem;font-weight:600;color:var(--smo-charcoal)}
.help{font-size:1rem;color:var(--smo-walnut)}
.error{font-size:1rem;font-weight:600;color:var(--smo-error)}
.consent{font-size:1rem}
.consent input{border:1px solid var(--smo-bronze)}
.consent input:checked{background:var(--smo-gold);border-color:var(--smo-gold)}
.form-status{background:var(--smo-pill-neutral);border-radius:var(--smo-radius-btn)}
.form-status[data-kind="ok"]{background:var(--smo-pill-success);color:var(--smo-success)}
.form-card{max-width:720px;border:1px solid var(--smo-beige);box-shadow:var(--smo-card-edge)}
.send{width:50px;height:50px;border-radius:var(--smo-radius-btn);background:var(--smo-gold);color:var(--smo-charcoal);border:1px solid var(--smo-gold)}
.send:hover{background:var(--smo-walnut);border-color:var(--smo-walnut);color:var(--smo-white)}

/* chips (blog filters, chat replies, FAQ jump links): pills; selected = gold border + 8% tint */
.chip{min-height:44px;border:1px solid var(--smo-gold);background:var(--smo-white);font-size:1rem;font-weight:600;color:var(--smo-charcoal)}
.chip:hover{background:var(--smo-cream);border-color:var(--smo-gold)}
.chip[aria-pressed="true"]{background:var(--smo-selected-tint);border:2px solid var(--smo-gold);color:var(--smo-charcoal)}
.chat .chip{border-color:var(--smo-gold)}
.chat .chip:hover{background:var(--smo-cream);color:var(--smo-charcoal)}
.chat .chip.gold{background:var(--smo-gold);border-color:var(--smo-gold);color:var(--smo-charcoal)}
.chat .chip.gold:hover{background:var(--smo-walnut);border-color:var(--smo-walnut);color:var(--smo-white)}
.chat .card .card-title,.chat .step-label{font-size:1rem}
.chat{border:1px solid var(--smo-beige)}
.me{background:var(--smo-charcoal)}
.log,.chips{background:var(--smo-cream)}
.bot{border-color:var(--smo-beige)}
.launcher{background:var(--smo-charcoal);border:1px solid var(--smo-gold);min-height:var(--smo-control-height)}

/* numbers: no weights under 400 */
.big-number,.case-total,.stat-strip .num,.benefits .num,.calc .deposit,.figure-h1,.cert-title{font-weight:400;font-family:var(--smo-font-head)}

/* footer */
.site-footer{background:var(--smo-ink);color:var(--smo-beige);font-size:1rem}
.site-footer a,.linkish{color:var(--smo-beige)}
.site-footer a:hover,.linkish:hover{color:var(--smo-white)}
.foot-top h2{font-family:var(--smo-font-eyebrow);font-size:1rem;font-weight:600;letter-spacing:.06em;color:var(--smo-gold)}
.foot-legal{font-size:1rem;color:var(--smo-beige);border-top-color:rgba(225,214,194,.2)}
.foot-legal a{text-decoration-color:var(--smo-bronze)}

/* cookie banner */
.cookie{border:1px solid var(--smo-beige)}
.cookie p{font-size:1rem}
@media (max-width:639px){.cookie p{font-size:1rem}.cookie .btn{min-height:var(--smo-control-height)}}

/* trust strip */
.trust-strip{background:var(--smo-cream);border-bottom:0}
.partner-logos{font-family:var(--smo-font-eyebrow);font-size:1rem;letter-spacing:.06em;color:var(--smo-walnut)}
.trust-item svg{color:var(--smo-success)}

/* columns stack under 640px */
@media (max-width:639px){
  .facts,.facts.two,.benefits,.defs,.tiers,.stat-strip,.contact-tiles,.cards,.posts,.duo,.split,.case,.cta-inner,.page-hero-grid,.form-grid,.faq-grid,.ask-grid,.article-layout,.doc-grid,.foot-top{grid-template-columns:minmax(0,1fr)!important}
}
/* 200% zoom / narrow: long words never push the page sideways */
main h1,main h2,main h3,main p,main li,main dd{overflow-wrap:break-word}
.hero-phone{overflow-wrap:anywhere}
@media (min-width:640px){.product-media img{aspect-ratio:3/2}}
.hero-note svg{flex:0 0 18px;width:18px;height:18px}
.photo-band .pb-media img{object-position:50% 30%}
.hero-media img{object-position:40% 40%}
@media (min-width:1024px){.hero-media img{object-position:0% 40%}}
/* paper objects keep dark ink on their white paper, even inside dark sections */
.dark .cert p,.dark .cert dt,.dark .sheet p,.dark .calc p{color:var(--smo-walnut)}
.dark .cert .cert-title,.dark .cert dd,.dark .sheet strong{color:var(--smo-charcoal)}
.cert-kicker,.cert-sub,.cert-rows dt{color:var(--smo-walnut)}
.price-pill{border-radius:var(--smo-radius-card)}
/* nothing customer-facing under 16px: eyebrows stay 16px on phones too */
.eyebrow{font-size:1rem}
.mobile-nav .label{font-size:1rem}
/* no sideways scroll: decorative overhangs (stamps) are clipped at the section edge */
main > section,main > article,main > figure,main > div{overflow-x:clip}
@media (max-width:420px){.paper-stage{padding-inline:4px}.paper-stage .stamp{right:0}}
@media (max-width:360px){.paper-stage .sheet{transform:none;padding:20px 16px}.paper-stage .sign-row{gap:12px}.paper-stage .sign-row > div:last-child{padding-right:56px}.paper-stage .stamp{width:84px;height:84px;right:0;bottom:0}.paper-stage .stamp b{font-size:15px}.paper-stage .stamp span{font-size:7px}}
/* links on dark: white with a gold underline (gold text on the walnut end of the overlay is 4.4:1, under AA for small text) */
.dark a:not(.btn),.photo-band a:not(.btn){color:var(--smo-white);text-decoration-color:var(--smo-gold)}

/* ==========================================================================
   V3 merge fixes (2026-11-02): review fixes on top of the V3 layer.
   Design, security and best-practices review of Karis's V3 copy.
   ========================================================================== */

/* illustrations: the old ".card .illo" icon rule (56px tile, line ~345) no longer squashes them */
html body div.illo.illo{width:160px;height:140px;padding:0;background:none;border-radius:0;object-fit:initial}
@media (min-width:640px){html body div.illo.illo{width:240px;height:210px}}
.card .illo::before,.bg-surface .card .illo::before{background:var(--smo-beige)}
/* half-width columns and cards: the 160px phone treatment, above the heading, at every width */
@media (min-width:640px){
  html body :is(.split,.case,.ask-grid,.duo,.stack-l) div.illo.illo,html body .pros-copy div.illo.illo,html body .card div.illo.illo{width:160px;height:140px;margin-bottom:16px}
  :is(.split,.case,.ask-grid,.duo,.stack-l,.pros-copy,.card) .illo::before{width:113px;height:113px}
  :is(.split,.case,.ask-grid,.duo,.stack-l,.pros-copy,.card) .illo img{width:140px;height:120px}
}
/* full-width section heads: heading on the left, illustration beside it on the right edge (kit rule) */
@media (min-width:1024px){
  html body .head-illo{display:grid;grid-template-columns:minmax(0,var(--smo-measure)) auto;justify-content:space-between;align-items:center;column-gap:64px;max-width:none}
  html body .head-illo > .head-text{grid-column:1;grid-row:1;min-width:0}
  html body .head-illo > div.illo.illo{grid-column:2;grid-row:1;margin:0;width:200px;height:175px}
  html body .head-illo > div.illo::before{width:142px;height:142px}
  html body .head-illo > div.illo img{width:175px;height:150px}
  /* a narrow column (claim form, claim-received) keeps the illustration close to the text */
  .wrap[style*="max-width:960px"] .head-illo,.wrap.head-illo{justify-content:start}
}

/* ---------- home hero on phones and tablets: the quote card comes first (kit mobile rule 5) ---------- */
@media (max-width:1023px){
  .hero{display:flex;flex-direction:column;background:var(--smo-charcoal)}
  .hero .wrap{order:-1;padding-block:16px 16px}
  html body .hero .quote-card{margin-top:0;max-width:none}
  .hero-media{position:relative;inset:auto;height:auto;aspect-ratio:16/9;width:100%;min-width:0;overflow:hidden}
  .hero-media img{display:block;width:100%;height:100%;object-fit:cover;object-position:40% 35%}
}
@media (max-width:639px){html body .hero .quote-card{padding:20px}.hero .wrap{padding-block:12px}}

/* hero toggle: two kit pills (44px, fully rounded), the product name on the line below */
.tabs{display:flex;flex-wrap:wrap;gap:8px}
html body .tab{min-height:44px;padding:0 20px;border-radius:var(--smo-radius-pill);display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto}
html body .tab span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.tab-panel .product-line{margin:16px 0 8px;font-family:var(--smo-font-eyebrow);font-size:1rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--smo-gold)}

/* overlays: the kit's ink -> charcoal -> walnut, never fading to nothing; text stays on the dark side */
@media (min-width:1024px){
  .hero::after{background:linear-gradient(90deg,rgba(10,8,11,.9) 0%,rgba(10,8,11,.78) 32%,rgba(36,36,36,.5) 52%,rgba(79,62,49,.3) 100%)}
  .photo-band::after{background:linear-gradient(90deg,rgba(10,8,11,.9) 0%,rgba(10,8,11,.84) 46%,rgba(36,36,36,.5) 62%,rgba(79,62,49,.32) 100%)}
  .photo-band .pb-copy{max-width:min(50%,680px)}
}

/* ---------- inner page heroes: photo beside the text from 1024px (no more "text, then giant banner") ---------- */
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr);grid-template-areas:"crumbs" "text" "defs" "photo";column-gap:clamp(32px,4vw,64px)}
.hero-grid > .crumbs{grid-area:crumbs}
.hero-grid > .hero-text{grid-area:text;max-width:var(--smo-measure)}
.hero-grid > .defs{grid-area:defs}
.hero-grid > .hero-photo{grid-area:photo;margin:24px 0 0}
.hero-photo img{display:block;width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--smo-radius-card)}
@media (min-width:640px){.hero-photo img{aspect-ratio:8/3}}
@media (min-width:1024px){
  .hero-grid{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);grid-template-areas:"crumbs crumbs" "text photo" "defs defs";align-items:start}
  .hero-grid > .hero-photo{margin:0;align-self:stretch;min-height:380px;position:relative}
  .hero-grid > .defs{margin-top:40px}
  .hero-grid > .hero-photo img{position:absolute;inset:0;height:100%;aspect-ratio:auto}
  .hero-grid > .defs{grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}
}

/* ---------- sizes: cookie buttons 50px at every width; footer tap targets 44px ---------- */
html body .cookie .btn{min-height:var(--smo-control-height)}
.foot-top ul{gap:0}
.foot-top ul a,.foot-top ul .linkish{display:inline-flex;align-items:center;min-height:44px;padding-block:4px}
.foot-contact a{display:inline-flex;align-items:center;min-height:44px}

/* closing call to action: buttons side by side at natural width from 640px; "Or call" left-aligned */
@media (min-width:640px){
  .cta-actions{flex-direction:row;flex-wrap:wrap;align-items:center;gap:12px}
  html body .cta-actions .btn{width:auto}
  .cta-actions .phone{flex-basis:100%;text-align:left}
}

/* coverage table: the word next to the tick (never an icon alone) */
.cov td.yes,.cov td.no{text-align:center}
.cov .cov-word{display:block;margin-top:4px;font-size:1rem;font-weight:600;color:var(--smo-charcoal)}
.cov td.no .cov-word{font-weight:400;color:var(--smo-walnut)}
.cov td.no{color:var(--smo-walnut)}

/* leftover round-5 colours moved onto the palette */
.cta-actions .phone,.listing-flow p,.dark .timeline p,.flow-note{color:var(--smo-beige)}
.price-pill{background:var(--smo-selected-tint);border:1px solid var(--smo-bronze);color:var(--smo-beige)}
.dark .feature img.illo{background:var(--smo-selected-tint)}
.typing i{background:var(--smo-bronze)}
.stamp{background:rgba(255,255,255,.7)}
.calc input{color:var(--smo-charcoal)}
@media (max-width:1100px){.page-hero .firm-note{color:var(--smo-beige)}}

/* inputs: a clearly visible focus state (charcoal border plus the gold glow) */
html body .input:focus,html body .input:focus-visible{border-color:var(--smo-charcoal);box-shadow:var(--smo-focus-ring);outline:none}

/* text spacing / 320px: big figures never clip */
.hero-phone{font-size:clamp(1.625rem,8vw,2.125rem)}
.big-number{font-size:clamp(2.75rem,15vw,4rem)}

/* trust strip: partner names centred, as in the kit */
.trust-strip .wrap{justify-content:center}
.partner-logos{justify-content:center}

/* chat avatar: the full two-colour shield, no dark circle (it swallowed the shield's dark half) */
html body .chat-head .avatar,html body .avatar{width:40px;height:42px;flex:0 0 40px;border-radius:0;background:none}
html body .avatar img{width:38px;height:40px}

/* round 2 (2026-11-02, after the design re-review) */
/* cookie banner: two-line copy on phones so the hero's quote button stays visible on a first visit */
.ck-short{display:none}
@media (max-width:639px){.ck-long{display:none}.ck-short{display:inline}html body .cookie{padding:12px 14px}html body .cookie .btn-row{margin-top:8px}}
/* mobile menu: the Agent login button keeps its full gold border (an old rule removed the bottom one) */
html body .mobile-nav a.btn{border:1px solid var(--smo-gold)}
/* contact details row: emails never break mid-address */
.hero-grid > .defs{grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr))}
.defs dd a[href^="mailto:"]{overflow-wrap:normal;word-break:normal;white-space:nowrap}
/* stacked split blocks: heading and text first, then the photo (kit mobile rule 4) */
@media (max-width:900px){.split > .split-media:first-child{order:2}}
/* native checkboxes and radios in the brand colour */
input[type="checkbox"],input[type="radio"]{accent-color:var(--smo-walnut)}
/* phones: the toggle's "What are you doing?" label is read by screen readers only, so the quote button clears the cookie banner */
@media (max-width:639px){.hero .chooser-legend{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.hero .chooser{margin-top:16px}.hero .tab-panel .product-line{margin-top:12px}}

/* ==========================================================================
   Video: lesson library (/learn), lesson pages (/learn/<slug>) and the two
   video landing pages (/watch/...). Added 2026-11-02.
   ========================================================================== */
.player{position:relative;border-radius:var(--smo-radius-card);overflow:hidden;background:var(--smo-ink);box-shadow:var(--smo-shadow-lg);aspect-ratio:16/9}
.player video{display:block;width:100%;height:100%;object-fit:contain;background:var(--smo-ink)}
/* library grid */
.lessons{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,320px),1fr));gap:24px}
.lesson-card{display:flex;flex-direction:column;background:var(--smo-white);border:1px solid var(--smo-beige);border-radius:var(--smo-radius-card);overflow:hidden;text-decoration:none;color:var(--smo-charcoal);transition:box-shadow .15s ease}
.lesson-card:hover{box-shadow:var(--smo-shadow)}
.lesson-card[hidden]{display:none}
.lc-media{position:relative;display:block;aspect-ratio:16/9;background:var(--smo-ink)}
.lc-media img{width:100%;height:100%;object-fit:cover;display:block}
.lc-play{position:absolute;left:16px;bottom:16px;width:52px;height:52px;border-radius:50%;background:var(--smo-gold);color:var(--smo-charcoal);display:flex;align-items:center;justify-content:center;box-shadow:var(--smo-shadow)}
.lc-play svg{margin-left:3px}
.lc-time{position:absolute;right:12px;bottom:12px;background:rgba(10,8,11,.8);color:var(--smo-white);font-size:1rem;font-weight:600;padding:2px 10px;border-radius:var(--smo-radius-pill)}
.lc-body{display:flex;flex-direction:column;gap:8px;padding:20px 24px 24px;flex:1}
.lc-body .cat{font-family:var(--smo-font-eyebrow);font-size:1rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--smo-walnut)}
.lc-body h3{font-family:var(--smo-font-head);font-size:1.3125rem;line-height:1.25;font-weight:500;color:var(--smo-charcoal)}
.lc-body p{font-size:1rem;color:var(--smo-charcoal)}
.lc-body .more{margin-top:auto;padding-top:6px;font-weight:600;color:var(--smo-charcoal)}
.lesson-card:focus-visible{outline:3px solid var(--smo-bronze);outline-offset:3px}
/* lesson page */
.lesson-head{padding-bottom:16px}
.lesson-head .h1{max-width:24ch}
.lesson-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:32px;padding-bottom:var(--smo-section-pad)}
@media (min-width:1024px){.lesson-grid{grid-template-columns:minmax(0,1fr) 340px;align-items:start}.lesson-aside{position:static}}
.lesson-main > * + *{margin-top:32px}
.lesson-answer{padding:24px;border-radius:var(--smo-radius-card);background:var(--smo-cream);border:1px solid var(--smo-beige)}
.lesson-answer .lead{margin-top:10px}
.lesson-facts .defs{margin-top:12px}
.transcript{margin-top:12px;border:1px solid var(--smo-beige);border-radius:var(--smo-radius-btn);background:var(--smo-white)}
.transcript summary{cursor:pointer;min-height:50px;display:flex;align-items:center;padding:0 20px;font-weight:600}
.transcript .prose{padding:0 20px 20px}
.transcript .prose p{margin-top:8px}
.lesson-aside{display:grid;gap:20px}
/* landing pages */
.lp-header .header-actions{gap:16px}
.lp-phone{font-weight:600;color:var(--smo-charcoal);text-decoration:none;white-space:nowrap}
@media (max-width:639px){.lp-phone-label{display:none}.lp-phone{font-size:1rem}html body .lp-quote{padding:0 14px}}
@media (max-width:420px){.lp-phone{display:none}}
.lp-hero{padding-block:40px 48px}
@media (min-width:1024px){.lp-hero{padding-block:56px 64px}}
.lp-intro{max-width:880px;margin-inline:auto;text-align:center}
.lp-intro .lead{margin:16px auto 0}
.lp-video{max-width:1040px;margin:32px auto 0}
.lp-actions{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin-top:28px}
@media (max-width:639px){html body .lp-actions .btn{width:100%}}
.lp-trust{list-style:none;padding:0;margin:24px auto 0;max-width:1040px;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 28px;color:var(--smo-beige);font-size:1rem;text-align:center}
.lp-trust li{display:flex;align-items:center;gap:8px}
.lp-trust li::before{content:"";flex:0 0 8px;width:8px;height:8px;border-radius:50%;background:var(--smo-gold)}
.lp-trust strong{color:var(--smo-white)}
.lp-paths{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:20px}
.lp-path{display:flex;flex-direction:column;gap:10px;padding:24px;background:var(--smo-card-bg);border:1px solid var(--smo-beige);border-radius:var(--smo-radius-card);box-shadow:var(--smo-card-edge)}
.lp-path p:not(.product-name){font-size:1rem}
.lp-path .btn{margin-top:auto;align-self:flex-start}
@media (max-width:639px){html body .lp-path .btn{align-self:stretch;width:100%}}
.compare-card{padding:28px;border-radius:var(--smo-radius-card);background:var(--smo-cream);border:1px solid var(--smo-beige)}
.compare-card .big-number{font-family:var(--smo-font-head);font-weight:400;font-size:clamp(2.5rem,7vw,3.5rem);line-height:1.1;margin:8px 0;color:var(--smo-charcoal)}
.compare-card .big-number .small{font-size:1rem;font-family:var(--smo-font-body)}
.lp-final .lead{max-width:60ch}
.lp-final .btn-row{flex-wrap:wrap}
.lp-header .header-actions{margin-left:auto;display:flex;align-items:center}
.lesson-facts .defs,.split .defs{grid-template-columns:repeat(auto-fit,minmax(min(100%,240px),1fr))}
.lp-trust{justify-content:center}@media (max-width:639px){.lp-trust{flex-direction:column;align-items:flex-start;text-align:left;max-width:34rem}}
.video-band{display:grid;grid-template-columns:minmax(0,1fr);gap:24px;align-items:center}
@media (min-width:1024px){.video-band{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px}}
.lesson-aside{min-width:0}html body .lesson-aside .btn{white-space:normal;text-align:center;padding:12px 20px;height:auto}

/* ---- 2 Nov: footer social links, press, agent toolkit, kept Webflow pages ---- */
.foot-social{display:flex;gap:6px;margin:14px 0 0;padding:0;list-style:none}
.foot-social a{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.22);color:#fff}
.foot-social a:hover{border-color:var(--gold);color:var(--gold)}
.press-strip{display:flex;flex-wrap:wrap;align-items:center;gap:10px 28px}
.press-strip .eyebrow{margin:0}
.press-strip a{font-weight:800;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.press-strip a:hover{border-color:var(--gold)}
.press-list{display:grid;gap:20px}
.press-item{display:grid;gap:10px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(22px,3vw,34px)}
.press-item .meta{font-size:14px;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px 14px}
.press-item .meta b{color:var(--gold-text);text-transform:uppercase;letter-spacing:.06em;font-size:12.5px}
.press-item h2,.press-item h3{font-size:clamp(20px,2.2vw,26px);line-height:1.25}
.press-item .btn-row{margin-top:6px}
.doc-cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,300px),1fr));gap:18px}
.doc-card{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px}
.doc-card h3{font-size:19px}
.doc-card p{font-size:15.5px;flex:1}
.doc-card a{align-self:flex-start;margin-top:6px}
.doc-card .size{font-size:13px;color:var(--muted)}
.tk-form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(22px,3vw,34px);min-height:420px}
.tk-form .hs-form fieldset{max-width:none!important}
.tk-form .hs-form .hs-form-field{margin-bottom:14px}
.tk-form .hs-form label{display:block;font-weight:800;font-size:15px;margin-bottom:6px;color:var(--ink)}
.tk-form .hs-form input[type=text],.tk-form .hs-form input[type=email],.tk-form .hs-form input[type=tel],.tk-form .hs-form select{width:100%!important;min-height:52px;border:1px solid var(--line);border-radius:12px;padding:12px 14px;font:inherit;background:#fff}
.tk-form .hs-form input:focus-visible{outline:none;box-shadow:0 0 0 3px rgba(205,166,101,.45);border-color:var(--gold)}
.tk-form .hs-form .hs-error-msgs{list-style:none;padding:0;margin:6px 0 0;font-size:14px;color:#a3261b}
.tk-form .hs-form .hs-richtext{font-size:13px;color:var(--muted);margin:10px 0}
.tk-form .hs-form .hs-button{width:100%;min-height:52px;border:0;border-radius:999px;background:var(--gold);color:var(--ink);font:inherit;font-weight:800;cursor:pointer}
.tk-form .hs-form .hs-button:hover{filter:brightness(1.05)}
.tk-form noscript p,.tk-form .tk-fallback{font-size:15px}
/* /surety quote widget (dg.css from surety.securemyoffer.com): undo site-wide rules that share its class names,
   so the widget looks exactly as it did on Webflow. dg.css loads after this file and wins where it sets a value. */
.dgx .steps-label{display:inline;gap:0;margin:0;font-size:inherit;letter-spacing:normal;text-transform:none}
.dgx .steps-label::after{content:none}
.dgx .chip{display:inline-block;min-height:0;font:inherit;text-decoration:none}
.dgx{padding:clamp(24px,4vw,48px) 16px clamp(40px,6vw,72px)}
/* HubSpot wraps each field in div.input, which the site styles as a field box: undo it inside the toolkit form */
.tk-form .hs-form .input{border:0;padding:0;background:none;box-shadow:none;min-height:0;height:auto;border-radius:0}
/* HubSpot injects its own field styles (hs-custom-style), hence !important */
.tk-form .hs-form .input .hs-input{width:100%!important;min-height:52px!important;height:auto!important;border:1.5px solid #8C8579!important;border-radius:12px!important;padding:12px 14px!important;font:inherit!important;font-size:17px!important;background:#fff!important;color:var(--ink)!important;box-sizing:border-box}
.tk-form .hs-form .input .hs-input:focus{outline:none;border-color:var(--gold-deep)!important;box-shadow:0 0 0 3px rgba(205,166,101,.35)}
.tk-form .hs-form .hs-form-field>label{display:block}
/* HubSpot's own cookie banner (if ever switched on in HubSpot): our banner already asks, and HubSpot only loads after "Accept all" */
#hs-eu-cookie-confirmation{display:none!important}