/* =============================================
   BEST HO3 — Global Stylesheet
   bestho3.com · "California field guide" theme
   Warm paper, ink, deep pine + terracotta.
   Display: Newsreader (serif) · Body: Public Sans
   ============================================= */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg:       #f6f2e9;   /* warm paper */
  --bg2:      #efe9db;   /* deep cream */
  --bg3:      #fdfbf5;   /* raised card */
  --border:   #e2d9c6;
  --border2:  #cfc3a9;
  --text:     #262b23;   /* green-cast ink */
  --muted:    #575f52;
  --muted2:   #656a5e;   /* AA on paper (4.98:1) */
  --accent:    #1d5741;  /* deep pine */
  --accent2:   #163f30;  /* darker pine (hover) */
  --terra:     #a54927;  /* terracotta — AA on paper, cream & wash panels */
  --terra2:    #96421f;
  --warn:      #92400e;  /* amber caution text (claims/loss) */
  --warn-bg:   #fbf4e6;
  --warn-border: rgba(146,64,14,0.28);
  --wash:      #e8ece2;  /* pine wash panel */
  --accent-bg: rgba(29,87,65,0.07);
  --accent-border: rgba(29,87,65,0.28);
  --green:    #2e6b3f;
  --green-bg: rgba(46,107,63,0.08);
  --red:      #a33d2a;
  --ink-band: #1c231c;   /* dark footer/marquee band */
  --nav-h:    64px;
  --radius:   6px;
  --radius-lg:10px;
  --font-sans: 'Public Sans', system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-display: 'Newsreader', 'Iowan Old Style', Georgia, 'Times New Roman', serif;
  --font-mono: ui-monospace, 'Cascadia Code', 'SF Mono', 'Segoe UI Mono', Menlo, Consolas, monospace;
  color-scheme: light;
  --shadow:   0 1px 2px rgba(59,50,32,0.05), 0 4px 20px rgba(59,50,32,0.07);
  --shadow-lg:0 2px 6px rgba(59,50,32,0.06), 0 14px 44px rgba(59,50,32,0.12);
  --max-w:    1200px;
  --max-w-narrow: 760px;

  /* ============================================================
     PLATFORM TOKENS  (BestInsurance chassis)
     A second line of insurance reskins by editing THIS block only.
     Shared layers (apply.css, motion.css) reference these — never
     their own hex literals.
     ============================================================ */
  /* Brand channels as RGB triplets so shared layers can compose alpha */
  --accent-rgb: 29, 87, 65;      /* deep pine */
  --terra-rgb:  165, 73, 39;     /* terracotta */
  /* Single source of truth for signal greens (was split #164b38/#1d5741/#27a56e) */
  --brand-ink:        #163f30;   /* deep pine surface for product panels */
  --brand-live:       #1f9d57;   /* live/active dot + progress accents */
  --brand-live-soft:  #6ee7a9;   /* light active tint on dark grounds */
  --brand-live-text:  #157a42;   /* AA-compliant success text on white */
  /* Radius ramp (one geometry system) */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-xl: 16px;
  /* Elevation ramp */
  --elev-1:   0 1px 2px rgba(59,50,32,0.05), 0 4px 20px rgba(59,50,32,0.07);
  --elev-2:   0 2px 6px rgba(59,50,32,0.06), 0 14px 44px rgba(59,50,32,0.12);
  --elev-app: 0 18px 60px rgba(20,43,32,0.08);
  /* Type scale + legibility floor (labels never below 12px) */
  --fs-label: 0.75rem;    /* 12px  — small-caps labels, pills */
  --fs-micro: 0.8125rem;  /* 13px  — dense metadata */
  --fs-body:  0.9375rem;  /* 15px  — rail/app body copy */
  /* Application workspace surfaces (intentional, tokenized) */
  --surface-app:       #f7f8f4;
  --surface-app-panel: #ffffff;
  --app-ink:  #18231d;
  --app-line: #dfe5df;
  /* Proof-story / motion semantic tokens (consumed by motion.css) */
  --scene-accent: var(--terra);
  --route-line:   var(--accent);
  --outcome-bg:      #17251e;
  --outcome-surface: #fffdf8;
  --outcome-ink:     #eef0e7;
  --outcome-ink-rgb: 238, 240, 231;
  --outcome-muted:   #bcc5b8;
  --outcome-faint:   #8f9b8d;
  --outcome-border:  rgba(238, 240, 231, 0.16);
  --outcome-accent:  #d38a68;
  --outcome-btn:     #f2eee3;
  --story-card-1:    #fdfbf5;
  --story-card-2:    #f1ecdf;
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-sans);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; transition: color 0.18s; }
a:hover { color: var(--accent); }
img, svg { display: block; max-width: 100%; }

::selection { background: rgba(182,84,50,0.22); }

/* --- Skip link (a11y) --- */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 12px;
  z-index: 300;
  background: var(--text);
  color: var(--bg);
  padding: 10px 18px;
  border-radius: var(--radius);
  font-size: 0.85rem;
  font-weight: 600;
}
.skip-link:focus { left: 12px; color: var(--bg); }

/* --- Layout helpers --- */
.container        { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: var(--max-w-narrow); margin: 0 auto; padding: 0 24px; }

/* --- Typography --- */
h1,h2,h3,h4 {
  font-family: var(--font-display);
  font-weight: 500;
  line-height: 1.14;
  letter-spacing: -0.012em;
  color: var(--text);
}

.kicker {
  display: inline-block;
  font-family: var(--font-sans);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--terra);
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(1.8rem, 3.6vw, 2.7rem);
  font-weight: 500;
  color: var(--text);
  margin-bottom: 20px;
  text-wrap: balance;
}

.lead {
  font-size: 1.08rem;
  color: var(--muted);
  line-height: 1.75;
}

.prose p {
  font-size: 0.99rem;
  color: #3d443a;
  line-height: 1.85;
  margin-bottom: 18px;
}
.prose p:last-child { margin-bottom: 0; }
.prose h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--text);
  margin: 32px 0 14px;
}
.prose h3 {
  font-family: var(--font-display);
  font-size: 1.22rem;
  font-weight: 500;
  color: var(--text);
  margin-bottom: 10px;
}
.prose strong { color: var(--text); font-weight: 600; }
.prose a:not(.btn) { color: var(--accent); text-decoration: underline; text-decoration-color: rgba(29,87,65,0.35); text-underline-offset: 3px; }
.prose a:not(.btn):hover { color: var(--terra); text-decoration-color: rgba(165,73,39,0.5); }

/* Quiet link lists (Keep reading, More guides) */
.soft-link {
  color: var(--muted);
  text-decoration: none;
  padding: 4px 0;
  border-bottom: 1px solid var(--border);
  transition: color 0.15s, border-color 0.15s;
}
.soft-link:hover { color: var(--accent); border-color: var(--accent); }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  cursor: pointer;
  border: none;
  transition: background 0.18s, color 0.18s, border-color 0.18s, box-shadow 0.18s;
  white-space: nowrap;
  text-decoration: none;
}

.btn-accent {
  background: var(--accent);
  color: #f7f3ea;
  box-shadow: inset 0 -2px 0 rgba(0,0,0,0.18);
}
.btn-accent:hover {
  background: var(--accent2);
  color: #f7f3ea;
  box-shadow: inset 0 -2px 0 rgba(0,0,0,0.22), 0 4px 14px rgba(29,87,65,0.25);
}

.btn-ghost {
  background: transparent;
  color: var(--text);
  border: 1.5px solid var(--border2);
}
.btn-ghost:hover {
  border-color: var(--accent);
  color: var(--accent);
}

.btn-lg { padding: 16px 32px; font-size: 1rem; border-radius: var(--radius); }

/* --- NAV --- */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  z-index: 100;
  background: rgba(246,242,233,0.88);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s, background 0.3s;
}
.nav.scrolled { border-color: var(--border); background: rgba(246,242,233,0.96); }

.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  gap: 24px;
}

.nav-brand {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 600;
  color: var(--text);
  letter-spacing: -0.01em;
  flex-shrink: 0;
}
.nav-brand span { color: var(--terra); font-style: italic; }

.nav-links {
  display: flex;
  list-style: none;
  gap: 2px;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--muted);
  padding: 6px 11px;
  border-radius: var(--radius);
  transition: all 0.18s;
}
.nav-links a:hover { color: var(--text); background: rgba(29,87,65,0.07); }

.nav-right {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: all 0.25s;
}

/* --- HERO --- */
.hero {
  position: relative;
  min-height: auto;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: calc(var(--nav-h) + 88px) 24px 88px;
  border-bottom: 1px solid var(--border);
}

/* Former glow blobs — now a quiet paper texture wash */
.hero-glow-1 {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(1100px 420px at 82% -60px, rgba(182,84,50,0.06), transparent 62%),
    radial-gradient(900px 480px at -80px 105%, rgba(29,87,65,0.05), transparent 60%);
  pointer-events: none;
}
.hero-glow-2 { display: none; }

.hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1.1fr 460px;
  gap: 72px;
  align-items: center;
  position: relative;
}

.hero-content { max-width: 600px; }

.hero-headline {
  font-size: clamp(2.6rem, 5.2vw, 4.1rem);
  font-weight: 470;
  letter-spacing: -0.02em;
  line-height: 1.06;
  color: var(--text);
  margin-bottom: 22px;
  text-wrap: balance;
}

.hero-sub {
  font-size: 1.1rem;
  color: var(--muted);
  line-height: 1.72;
  margin-bottom: 34px;
  max-width: 540px;
}

.hero-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}

.hero-stats {
  display: flex;
  gap: 40px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}

.stat { display: flex; flex-direction: column; gap: 3px; }
.stat-value {
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 500;
  color: var(--accent);
  letter-spacing: -0.01em;
}
.stat-label {
  font-size: 0.7rem;
  color: var(--muted2);
  font-family: var(--font-sans);
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-visual svg {
  filter: drop-shadow(0 14px 36px rgba(59,50,32,0.14));
  border-radius: 12px;
}

/* --- SECTIONS --- */
.section {
  padding: 96px 0;
}
.section-alt {
  background: var(--bg2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.section-header {
  margin-bottom: 48px;
}
.section-header.centered {
  text-align: center;
}

/* --- CARDS --- */
.process-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.card {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: border-color 0.2s, box-shadow 0.2s;
  position: relative;
  box-shadow: var(--shadow);
}
.card:hover {
  border-color: var(--border2);
  box-shadow: var(--shadow-lg);
}

.step-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.05rem;
  color: var(--terra);
  display: block;
  margin-bottom: 12px;
}

.card-icon {
  font-size: 1.8rem;
  margin-bottom: 14px;
  line-height: 1;
}

.card-title {
  font-family: var(--font-display);
  font-size: 1.22rem;
  font-weight: 550;
  color: var(--text);
  margin-bottom: 10px;
}

.card-body {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.72;
}

/* Typographic index tiles (guide library) */
.tile {
  display: block;
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 26px;
  text-decoration: none;
  box-shadow: var(--shadow);
  transition: border-color 0.18s, box-shadow 0.18s;
}
.tile:hover { border-color: var(--accent); box-shadow: var(--shadow-lg); color: inherit; }
.tile-num {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 0.95rem;
  color: var(--terra);
  display: block;
  margin-bottom: 10px;
}
.tile-title {
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 550;
  color: var(--text);
  margin-bottom: 7px;
  line-height: 1.25;
}
.tile-body {
  font-size: 0.86rem;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}
.tile:hover .tile-title { color: var(--accent); }

/* --- STAT CALLOUT (sidebar) --- */
.stat-callout {
  display: flex;
  gap: 16px;
}
.callout-box {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  box-shadow: var(--shadow);
}
.callout-val {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 500;
  color: var(--accent);
}
.callout-label {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.4;
}

/* --- TABLES --- */
.table-wrap {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
}

.ho-table {
  width: 100%;
  min-width: 520px;
  border-collapse: collapse;
  font-size: 0.9rem;
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.ho-table thead {
  background: var(--wash);
}
.ho-table th {
  padding: 12px 18px;
  text-align: left;
  font-size: 0.7rem;
  font-family: var(--font-sans);
  font-weight: 700;
  color: var(--muted);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-bottom: 1px solid var(--border);
}
.ho-table td {
  padding: 13px 18px;
  border-bottom: 1px solid var(--border);
  color: #464d42;
  vertical-align: top;
  line-height: 1.6;
}
.ho-table tbody tr:last-child td { border-bottom: none; }
.ho-table tbody tr:hover td { background: rgba(29,87,65,0.035); }

.code-cell {
  font-family: var(--font-sans);
  font-size: 0.875rem;
  color: var(--accent) !important;
  font-weight: 600;
}
.rate-cell {
  font-family: var(--font-sans);
  color: var(--green) !important;
  font-weight: 600;
}

/* Risk tier badges */
.tier-badge {
  display: inline-block;
  padding: 3px 11px;
  border-radius: 4px;
  font-size: 0.72rem;
  font-weight: 700;
  font-family: var(--font-sans);
  letter-spacing: 0.04em;
}
.tier-low    { background: var(--green-bg); color: var(--green); border: 1px solid rgba(46,107,63,0.25); }
.tier-med    { background: var(--accent-bg); color: var(--accent); border: 1px solid var(--accent-border); }
.tier-high   { background: rgba(182,84,50,0.1); color: var(--terra2); border: 1px solid rgba(182,84,50,0.3); }
.tier-danger { background: rgba(163,61,42,0.1); color: var(--red); border: 1px solid rgba(163,61,42,0.3); }

/* --- CASE STUDIES --- */
.case-industry {
  font-size: 0.65rem;
  letter-spacing: 0.12em;
  margin-bottom: 10px;
}

.case-situation {
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.65;
  margin: 10px 0 0;
  font-style: italic;
}

.case-result {
  font-size: 0.9rem;
  color: var(--green);
  font-weight: 600;
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--border);
}

/* --- CARRIER GRID --- */
.carrier-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.carrier-pill {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 6px 14px;
  font-size: 0.8rem;
  color: var(--muted);
  font-weight: 500;
  transition: all 0.18s;
}
.carrier-pill:hover {
  border-color: var(--accent-border);
  color: var(--accent);
}

/* --- FAQ --- */
.faq { display: flex; flex-direction: column; gap: 8px; }

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--bg3);
  box-shadow: var(--shadow);
  transition:
    border-color 0.22s,
    box-shadow 0.22s,
    background 0.22s;
}
.faq-page-item + .faq-page-item { margin-top: 8px; }
.faq-page-item + h2 { margin-top: 52px; }
.faq-item[open] {
  border-color: var(--accent-border);
  background: #fffdf8;
  box-shadow: var(--shadow-lg);
}

.faq-q {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 19px 24px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 1.08rem;
  font-weight: 550;
  color: var(--text);
  text-align: left;
  gap: 16px;
  list-style: none;
  transition: background 0.18s, color 0.18s;
}
.faq-q::-webkit-details-marker { display: none; }
.faq-q::marker { content: ""; }
.faq-q:hover { background: rgba(29,87,65,0.04); }
.faq-q:focus-visible {
  outline: 3px solid rgba(29,87,65,0.24);
  outline-offset: -3px;
}
.faq-item[open] .faq-q { color: var(--accent); }

.faq-arrow {
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border: 1px solid var(--border2);
  border-radius: 50%;
  color: var(--terra);
  font-family: var(--font-sans);
  font-size: 1.15rem;
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
  transition: transform 0.25s, background 0.2s, border-color 0.2s;
}
.faq-item[open] .faq-arrow {
  transform: rotate(45deg);
  background: var(--accent);
  border-color: var(--accent);
  color: #fffdf8;
}

.faq-a {
  padding: 18px 24px 22px;
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.8;
  border-top: 1px solid var(--border);
  background: linear-gradient(180deg, rgba(29,87,65,0.025), transparent 70%);
}
.faq-a p:last-child { margin-bottom: 0; }
.faq-a a {
  color: var(--accent);
  text-decoration-color: rgba(29,87,65,0.3);
}

@media (max-width: 600px) {
  .faq-q { padding: 17px 18px; font-size: 1rem; }
  .faq-a { padding: 16px 18px 20px; }
  .faq-arrow { width: 28px; height: 28px; }
}

/* --- CTA SECTION (deep pine band) --- */
.cta-section {
  --bg:      #1d4636;
  --bg2:     #17392c;
  --bg3:     #1f4c3b;
  --border:  rgba(246,242,233,0.14);
  --border2: rgba(246,242,233,0.25);
  --text:    #f3efe4;
  --muted:   #c2cbbb;
  --muted2:  #a7b39f;
  --accent:  #e9e2cf;
  padding: 96px 24px;
  text-align: center;
  background: #1d4636;
  color: #f3efe4;
  border-top: 1px solid rgba(0,0,0,0.1);
}
.cta-section .kicker { display: block; margin-bottom: 16px; color: #dfa088; }
.cta-section .section-title { color: #f3efe4; }
.cta-section .lead { color: #c2cbbb; }
.cta-section .btn-accent {
  background: #f3efe4;
  color: #1d4636;
  box-shadow: inset 0 -2px 0 rgba(0,0,0,0.12);
}
.cta-section .btn-accent:hover {
  background: #fffdf5;
  color: #163f30;
  box-shadow: 0 6px 20px rgba(0,0,0,0.25);
}
.cta-section a:hover { color: #fffdf5; }

/* --- FOOTER (ink band) --- */
.footer {
  --bg:      var(--ink-band);
  --bg2:     #232b23;
  --bg3:     #242c24;
  --border:  rgba(240,235,220,0.14);
  --border2: rgba(240,235,220,0.25);
  --text:    #ede8da;
  --muted:   #b0b5a4;
  --muted2:  #878d7c;
  --accent:  #a8c3b1;
  background: var(--ink-band);
  color: #ede8da;
  border-top: none;
  padding: 64px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand {}

.footer .nav-brand { color: #ede8da; }
.footer .nav-brand span { color: #d9906f; }

.footer-disclaimer {
  font-size: 0.78rem;
  color: #9aa08e;
  line-height: 1.7;
  margin-bottom: 10px;
}

.footer-col-title {
  font-family: var(--font-sans);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #878d7c;
  margin-bottom: 16px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a {
  font-size: 0.875rem;
  color: #b0b5a4;
  transition: color 0.18s;
}
.footer-links a:hover { color: #ede8da; }

.footer-bottom {
  border-top: 1px solid rgba(240,235,220,0.14);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: #878d7c;
  flex-wrap: wrap;
  gap: 8px;
}

/* --- REVEAL ANIMATION --- */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* --- RESPONSIVE --- */
@media (max-width: 1100px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero-visual { display: none; }
  #ex-mod .container > div {
    grid-template-columns: 1fr !important;
  }
  .stat-callout { flex-direction: row; }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

@media (max-width: 900px) {
  .process-steps {
    grid-template-columns: 1fr;
  }
  .case-grid {
    grid-template-columns: 1fr;
  }
  #carriers .container > div {
    grid-template-columns: 1fr !important;
  }
  #risk .container > div {
    grid-template-columns: 1fr !important;
  }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-right .btn-ghost { display: none; }
  .hamburger { display: flex; }

  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: var(--nav-h);
    left: 0; right: 0;
    background: var(--bg3);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    padding: 16px 24px 24px;
    gap: 4px;
    z-index: 99;
  }
  .nav-links.open a {
    padding: 12px 16px;
    font-size: 1rem;
  }

  .hero { padding: calc(var(--nav-h) + 48px) 24px 64px; }
  .hero-headline { font-size: 2.35rem; }
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas .btn { justify-content: center; }
  .hero-stats { gap: 22px; }

  .section { padding: 64px 0; }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .footer-bottom { flex-direction: column; text-align: center; }

  .stat-callout { flex-direction: column; }
}

@media (max-width: 480px) {
  .tier-table th:nth-child(3),
  .tier-table td:nth-child(3) { display: none; }
  .hero-stats { gap: 16px; }
  .stat-value { font-size: 1.15rem; }
}

/* =============================================
   CONTENT PAGE LAYOUT (guides)
   ============================================= */

.page-hero {
  background: var(--bg2);
  border-bottom: 1px solid var(--border);
  padding: 80px 0 48px;
  margin-top: var(--nav-h);
}

.page-hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

.breadcrumb {
  font-size: 0.8rem;
  color: var(--muted2);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}
.breadcrumb a { color: var(--accent); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { color: var(--muted2); }

.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 500;
  color: var(--text);
  margin-bottom: 14px;
  line-height: 1.12;
}

.page-hero .hero-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 16px;
}

.rate-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--accent-bg);
  border: 1px solid var(--accent-border);
  border-radius: var(--radius);
  padding: 8px 14px;
  font-family: var(--font-sans);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--accent);
}

.content-grid {
  max-width: var(--max-w);
  margin: 48px auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 40px;
  align-items: start;
}

.content-main {
  min-width: 0;
}

.content-main h2 {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--text);
  margin: 32px 0 14px;
  padding-top: 8px;
}

.content-main h2:first-child { margin-top: 0; }

.content-main h3 {
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 500;
  color: var(--text);
  margin: 24px 0 10px;
}

.content-main p {
  font-size: 0.97rem;
  color: #3d443a;
  line-height: 1.85;
  margin-bottom: 16px;
}

.content-main ul, .content-main ol {
  padding-left: 20px;
  margin-bottom: 16px;
}

.content-main li {
  font-size: 0.95rem;
  color: #3d443a;
  line-height: 1.75;
  margin-bottom: 6px;
}

.content-main strong { color: var(--text); font-weight: 600; }

.content-sidebar {
  position: sticky;
  top: calc(var(--nav-h) + 24px);
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.sidebar-cta {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow);
}

.sidebar-cta h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 550;
  color: var(--text);
  margin-bottom: 8px;
}

.sidebar-cta p {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.65;
  margin-bottom: 16px;
}

.sidebar-cta .btn {
  width: 100%;
  justify-content: center;
  margin-bottom: 12px;
}

.sidebar-links {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-top: 12px;
}

.sidebar-links a {
  font-size: 0.83rem;
  color: var(--muted);
  padding: 4px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid var(--border);
}

.sidebar-links a:hover { color: var(--accent); }
.sidebar-links a::after { content: '›'; color: var(--terra); }

.info-box {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-left: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 18px 20px;
  box-shadow: var(--shadow);
}

.info-box.accent {
  background: #f8efe7;
  border-color: rgba(182,84,50,0.3);
  border-left-color: var(--terra);
}

.info-box h4 {
  font-family: var(--font-display);
  font-size: 1.02rem;
  font-weight: 550;
  color: var(--text);
  margin-bottom: 8px;
}

.info-box p, .info-box li {
  font-size: 0.85rem;
  color: #4c5348;
  line-height: 1.68;
}

.info-box ul { padding-left: 16px; }
.info-box li { margin-bottom: 4px; }

.content-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  font-size: 0.88rem;
}

.content-table th {
  background: var(--wash);
  color: var(--muted);
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  padding: 10px 14px;
  text-align: left;
  border-bottom: 1px solid var(--border2);
}

.content-table td {
  padding: 11px 14px;
  color: #464d42;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
  line-height: 1.6;
}

.content-table td:first-child {
  color: var(--accent);
  font-weight: 600;
  font-size: 0.85rem;
}

.content-table tr:last-child td { border-bottom: none; }

.related-codes {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 16px;
}

.related-code-link {
  display: block;
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 14px;
  text-decoration: none;
  transition: border-color 0.15s;
}

.related-code-link:hover { border-color: var(--accent); }

.related-code-link .code {
  font-size: 0.78rem;
  color: var(--accent);
  font-weight: 600;
  display: block;
  margin-bottom: 3px;
}

.related-code-link .desc {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.4;
}

.code-card {
  display: block;
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 18px;
  text-decoration: none;
  transition: border-color 0.15s, box-shadow 0.15s;
  box-shadow: var(--shadow);
}

.code-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-lg);
}

.code-card .card-code {
  font-size: 0.82rem;
  color: var(--accent);
  font-weight: 600;
  display: block;
  margin-bottom: 4px;
}

.code-card .card-desc {
  font-family: var(--font-display);
  font-size: 1.02rem;
  color: var(--text);
  font-weight: 550;
  display: block;
  margin-bottom: 8px;
}

.code-card .card-rate {
  font-size: 0.78rem;
  color: var(--muted2);
  display: block;
  margin-bottom: 8px;
}

.code-card .card-link {
  font-size: 0.8rem;
  color: var(--accent);
}

.codes-category {
  margin-bottom: 40px;
}

.codes-category-label {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 700;
  color: var(--terra);
  margin-bottom: 14px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border2);
}

.codes-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 12px;
}

@media (max-width: 900px) {
  .content-grid {
    grid-template-columns: 1fr;
  }
  .content-sidebar {
    position: static;
    order: -1;
  }
}

@media (max-width: 640px) {
  .page-hero { padding: 60px 0 32px; }
  .content-grid { margin: 32px auto; gap: 24px; }
  .related-codes { grid-template-columns: 1fr; }
  .codes-grid { grid-template-columns: 1fr 1fr; }
}

/* =============================================
   CASE STUDY STYLES
   ============================================= */

.case-hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 28px;
}

.case-stat {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 16px 18px;
  box-shadow: var(--shadow);
}

.case-stat-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted2);
  font-weight: 700;
  margin-bottom: 4px;
  display: block;
}

.case-stat-value {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 500;
  color: var(--accent);
  display: block;
}

.case-stat-sub {
  font-size: 0.75rem;
  color: var(--muted);
  display: block;
  margin-top: 2px;
}

.outcome-box {
  background: var(--wash);
  border: 1px solid var(--accent-border);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  margin: 28px 0;
}

.outcome-box h3 {
  font-family: var(--font-sans);
  color: var(--accent);
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  font-weight: 700;
}

.outcome-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
  border-bottom: 1px solid rgba(29,87,65,0.14);
  font-size: 0.88rem;
}

.outcome-row:last-child { border-bottom: none; }

.outcome-row .label { color: var(--muted); }
.outcome-row .before { color: var(--muted); text-decoration: line-through; }
.outcome-row .after { color: var(--green); font-weight: 700; }

.timeline-steps {
  position: relative;
  padding-left: 28px;
  margin: 20px 0;
}

.timeline-steps::before {
  content: '';
  position: absolute;
  left: 8px;
  top: 8px;
  bottom: 8px;
  width: 2px;
  background: var(--border2);
}

.timeline-step {
  position: relative;
  margin-bottom: 20px;
}

.timeline-step::before {
  content: '';
  position: absolute;
  left: -24px;
  top: 6px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--terra);
  border: 2px solid var(--bg);
}

.timeline-step h4 {
  font-size: 0.95rem;
  font-weight: 550;
  color: var(--text);
  margin-bottom: 4px;
}

.timeline-step p {
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}

.quote-block {
  border-left: 3px solid var(--terra);
  padding: 14px 20px;
  margin: 24px 0;
  background: var(--bg3);
  border-radius: 0 var(--radius) var(--radius) 0;
  box-shadow: var(--shadow);
}

.quote-block p {
  font-family: var(--font-display);
  font-style: italic;
  color: var(--text);
  font-size: 1.05rem;
  margin: 0 0 8px;
  line-height: 1.65;
}

.quote-block cite {
  font-size: 0.78rem;
  color: var(--muted);
  font-style: normal;
}

.case-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 24px;
}

.case-card {
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-decoration: none;
  display: block;
  transition: border-color 0.15s, box-shadow 0.15s;
  box-shadow: var(--shadow);
}

.case-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-lg);
}

.case-card-kicker {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--terra);
  font-weight: 700;
  margin-bottom: 8px;
  display: block;
}

.case-card h3 {
  font-family: var(--font-display);
  font-size: 1.12rem;
  font-weight: 550;
  color: var(--text);
  margin-bottom: 8px;
  line-height: 1.3;
}

.case-card p {
  font-size: 0.82rem;
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: 14px;
}

.case-card-result {
  font-size: 1.35rem;
  font-weight: 500;
  font-family: var(--font-display);
  color: var(--accent);
}

@media (max-width: 900px) {
  .case-grid { grid-template-columns: 1fr 1fr; }
  .case-hero-stats { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 640px) {
  .case-grid { grid-template-columns: 1fr; }
  .case-hero-stats { grid-template-columns: 1fr; }
}

/* =============================================
   FAMILY PARITY LAYER
   ============================================= */

/* --- Surface aliases --- */
:root {
  --surface:  #fdfbf5;
  --surface2: #f1ecdf;
}

/* --- Loading skeleton (wizard mount placeholder) --- */
.shimmer {
  background: linear-gradient(90deg, var(--bg2) 25%, var(--border) 50%, var(--bg2) 75%);
  background-size: 200% 100%;
  animation: shimmer 1.4s ease infinite;
  border-radius: var(--radius);
}
@keyframes shimmer { to { background-position: -200% 0; } }

/* --- Former gradient ink: now an italic terracotta accent --- */
.grad-ink {
  font-style: italic;
  color: var(--terra);
  background: none;
  -webkit-text-fill-color: currentColor;
}

/* --- Light surface sections (alternation = raised warm white) --- */
.section-light {
  --bg:      #fbf8f1;
  --bg2:     #f3eee2;
  --bg3:     #fffdf8;
  --border:  #e6ddc9;
  --border2: #d4c8ad;
  --text:    #262b23;
  --muted:   #575f52;
  --muted2:  #656a5e;
  --accent:  #1d5741;
  --accent2: #163f30;
  --accent-bg: rgba(29,87,65,0.07);
  --accent-border: rgba(29,87,65,0.28);
  --shadow:   0 1px 2px rgba(59,50,32,0.04), 0 4px 18px rgba(59,50,32,0.06);
  --shadow-lg:0 2px 6px rgba(59,50,32,0.05), 0 14px 40px rgba(59,50,32,0.1);
  background: #fbf8f1;
  color: var(--text);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.section-light .kicker { color: var(--terra); }
.section-light .code-cell { color: var(--accent) !important; }
.section-light .rate-cell { color: var(--green) !important; }
.section-light .ho-table tbody tr:hover td { background: rgba(29,87,65,0.035); }
.section-light .tier-low    { color: var(--green); }
.section-light .tier-med    { color: var(--accent); }
.section-light .tier-high   { color: var(--terra2); }
.section-light .tier-danger { color: var(--red); }
.section-light .case-result { color: var(--accent); }

/* --- Carrier marquee (quiet ink band) --- */
.marquee {
  background: var(--ink-band);
  color: #cfd4c4;
  overflow: hidden;
  padding: 13px 0;
  border-top: 1px solid rgba(0,0,0,0.2);
  border-bottom: 1px solid rgba(0,0,0,0.2);
}
.marquee-track {
  display: flex;
  gap: 48px;
  width: max-content;
  animation: marquee 44s linear infinite;
  font-family: var(--font-sans);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  white-space: nowrap;
}
.marquee-track span { display: inline-flex; align-items: center; gap: 48px; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* --- Quote section (embedded wizard) --- */
#quote { scroll-margin-top: calc(var(--nav-h) + 12px); }
.quote-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.45fr) 360px;
  gap: 40px;
  align-items: start;
}
.quote-sidebar {
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: sticky;
  top: calc(var(--nav-h) + 24px);
}
@media (max-width: 960px) {
  .quote-layout { grid-template-columns: 1fr; }
  .quote-sidebar { position: static; }
}

/* --- Product-first hero workspace preview --- */
.product-preview {
  width: min(100%, 520px);
  overflow: hidden;
  border: 1px solid rgba(29,87,65,0.24);
  border-radius: 14px;
  background: #fbfcf9;
  box-shadow: 0 28px 70px rgba(32,50,39,0.15), 0 2px 8px rgba(32,50,39,0.08);
  text-align: left;
}
.product-preview-bar {
  min-height: 45px;
  padding: 0 17px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-bottom: 1px solid #e1e7e1;
  color: #677168;
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.product-preview-bar span { display: flex; align-items: center; gap: 8px; }
.product-preview-bar i {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--brand-live);
  box-shadow: 0 0 0 4px rgba(31,157,87,0.14);
}
.product-preview-bar strong { font-family: var(--font-mono); font-size: 0.64rem; color: #4c574f; }
.product-preview-body { display: grid; grid-template-columns: minmax(0,1.55fr) minmax(150px,0.8fr); min-height: 330px; }
.product-preview-main { padding: 27px 24px; }
.product-preview-side { padding: 27px 20px; background: var(--brand-ink); color: #f4faf6; }
.product-preview-kicker { display: block; margin-bottom: 8px; color: #6d786f; font-size: 0.59rem; font-weight: 750; letter-spacing: 0.13em; text-transform: uppercase; }
.product-preview-main h2 { font-family: var(--font-sans); font-size: 1.02rem; font-weight: 750; letter-spacing: -0.02em; }
.product-preview-main > p { margin-top: 2px; color: #738078; font-size: 0.68rem; }
.product-preview-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 9px; margin-top: 23px; }
.product-preview-grid > div { padding: 12px; border: 1px solid #e0e6e0; border-radius: 8px; background: #fff; }
.product-preview-grid span { display: block; color: #6f7a73; font-size: 0.62rem; text-transform: uppercase; letter-spacing: 0.06em; }
.product-preview-grid strong { display: block; margin-top: 4px; color: #27342c; font-size: 0.78rem; }
.product-preview-scan { margin-top: 18px; }
.product-preview-scan > span { display: block; height: 3px; overflow: hidden; border-radius: 999px; background: #e5ebe6; }
.product-preview-scan > span::after { content: ""; display: block; width: 62%; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--brand-ink), var(--brand-live)); animation: product-scan 2.8s ease-in-out infinite alternate; }
.product-preview-scan p { margin-top: 8px; color: #667069; font-size: 0.59rem; }
@keyframes product-scan { from { transform: translateX(-10%); } to { transform: translateX(76%); } }
.product-preview-side .product-preview-kicker { color: rgba(244,250,246,0.62); }
.product-preview-price { display: block; margin-top: 13px; font-family: var(--font-display); font-size: 1.35rem; font-weight: 550; line-height: 1; }
.product-preview-side > small { display: block; margin-top: 7px; color: rgba(244,250,246,0.62); font-size: 0.62rem; }
.product-preview-status { display: grid; grid-template-columns: 8px 1fr; gap: 9px; align-items: start; margin-top: 28px; }
.product-preview-status + .product-preview-status { margin-top: 16px; }
.product-preview-status > i { width: 7px; height: 7px; margin-top: 3px; border-radius: 50%; background: var(--brand-live-soft); box-shadow: 0 0 0 4px rgba(110,231,169,0.1); }
.product-preview-status:last-child > i { background: transparent; border: 1px solid rgba(244,250,246,0.45); box-shadow: none; }
.product-preview-status strong { display: block; font-size: 0.64rem; }
.product-preview-status small { display: block; margin-top: 2px; color: rgba(244,250,246,0.6); font-size: 0.62rem; }
@media (max-width: 560px) {
  .product-preview-body { grid-template-columns: 1fr; }
  .product-preview-side { min-height: 190px; }
  .product-preview-status { display: inline-grid; width: 49%; margin-top: 24px; vertical-align: top; }
  .product-preview-status + .product-preview-status { margin-top: 24px; }
}

/* --- Markets-we-shop grid (homepage) --- */
.markets-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; max-width: 920px; margin: 0 auto 32px; text-align: left; }
@media (max-width: 860px) { .markets-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .markets-grid { grid-template-columns: 1fr; } }

/* --- Resource library grid (homepage) --- */
.resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .resource-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .resource-grid { grid-template-columns: 1fr; } }

/* --- Accessibility: visible focus + reduced motion --- */
:focus-visible {
  outline: 2px solid var(--terra);
  outline-offset: 2px;
  border-radius: 3px;
}
.cta-section :focus-visible,
.footer :focus-visible,
.marquee :focus-visible { outline-color: #e9e2cf; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .marquee-track { animation: none; }
  .shimmer { animation: none; }
  .reveal { opacity: 1 !important; transform: none !important; transition: none !important; }
  .product-preview-scan > span::after { animation: none; }
}

/* --- Legal / policy pages --- */
.legal-body { margin-top: 28px; max-width: 68ch; }
.legal-body h2 { margin: 34px 0 8px; font-family: var(--font-display); font-size: 1.32rem; font-weight: 600; letter-spacing: -0.01em; }
.legal-body p { margin-bottom: 14px; color: var(--muted); font-size: 0.98rem; line-height: 1.75; }
.legal-body ul { margin: 4px 0 18px 1.1rem; }
.legal-body li { margin-bottom: 8px; color: var(--muted); font-size: 0.98rem; line-height: 1.7; }
.legal-body a { color: var(--terra); border-bottom: 1px solid var(--accent-border); }
.legal-body a:hover { color: var(--terra2); }
.legal-body strong { color: var(--text); }
.legal-body .legal-updated { margin-top: 30px; padding-top: 16px; border-top: 1px solid var(--border); font-size: 0.86rem; }

/* ============================================================
   HOME (index) COMPOSITION + shared utilities
   Promoted from ~147 inline style attributes so the home page
   carries near-zero inline CSS. Colors are token-only; these
   classes are reusable across every content page and line.
   ============================================================ */

/* — small reusable utilities — */
.u-center      { text-align: center; }
.u-underline   { text-decoration: underline; }
.mx-auto       { margin-left: auto; margin-right: auto; }
.ink           { color: var(--text); }
.c-accent      { color: var(--accent); }
.c-muted       { color: var(--muted); }
.mw-540 { max-width: 540px; }
.mw-640 { max-width: 640px; }
.mw-680 { max-width: 680px; }
.mw-700 { max-width: 700px; }
.mw-720 { max-width: 720px; }
.mw-760 { max-width: 760px; }
.mb-14 { margin-bottom: 14px; }
.mb-16 { margin-bottom: 16px; }
.mt-26 { margin-top: 26px; }

/* Mono overline / eyebrow (Coverage A…F labels, panel headers) */
.overline {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: var(--terra);
}

/* Muted body copy inside cards */
.muted-body { font-size: 0.85rem; color: var(--muted); line-height: 1.7; margin: 0; }
.ca-body    { font-size: 0.85rem; color: var(--muted); line-height: 1.7; margin: 0 0 12px; }
.card-note  { font-size: 0.85rem; color: var(--muted); line-height: 1.7; margin: 0 0 14px; }
.card-cta   { color: var(--accent); font-size: 0.85rem; font-weight: 600; }
.card-accent { border-color: var(--accent-border); }

/* Responsive card grids (auto-fit; inherently mobile-safe) */
.cov-grid     { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; }
.ca-grid      { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 18px; }
.guide-grid   { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; }
.cov-title    { font-size: 1.05rem; margin: 8px 0 8px; }
.ca-title     { font-size: 1.15rem; margin-bottom: 8px; }

/* Horizontally scrollable table wrapper */
.table-scroll  { overflow-x: auto; }
.table-footnote { margin-top: 18px; font-size: 0.9rem; color: var(--muted); }

/* Button size variants */
.btn-sm { font-size: 0.85rem; padding: 8px 16px; }
.btn-md { font-size: 0.85rem; padding: 10px 18px; }

/* — Markets we shop — */
.market-route { padding: 72px 0; }
.market-route > .container { text-align: center; }
.route-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(1.5rem, 2.8vw, 2.05rem);
  color: var(--text);
  margin: 0 auto 12px;
  max-width: 760px;
  line-height: 1.2;
}
.route-lead { max-width: 640px; margin: 0 auto 30px; color: var(--muted); font-size: 1rem; line-height: 1.7; }
.route-more { font-size: 0.9rem; }
.hero-note { margin-top: 14px; font-size: 0.82rem; color: var(--muted2); }
.route-fineprint { font-size: 0.78rem; color: var(--muted2); max-width: 640px; margin: 18px auto 0; line-height: 1.6; }
.market-card { padding: 22px; }
.market-card h3 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 550; margin-bottom: 6px; }
.market-card p  { font-size: 0.82rem; color: var(--muted); line-height: 1.6; margin: 0; }

/* — Premium levers grid — */
.premium-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 14px; }
.premium-grid h3 { font-size: 0.95rem; margin-bottom: 6px; }
.premium-grid p  { font-size: 0.83rem; color: var(--muted); line-height: 1.65; margin: 0; }

/* — Wizard skeleton loader — */
.wiz-skeleton { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 40px; }
.wiz-sk-kicker { height: 20px; width: 35%; margin-bottom: 32px; }
.wiz-sk-title  { height: 44px; width: 65%; margin-bottom: 12px; }
.wiz-sk-sub    { height: 18px; width: 50%; margin-bottom: 36px; }
.wiz-sk-row    { height: 52px; }
.wiz-sk-row.gap    { margin-bottom: 18px; }
.wiz-sk-row.gap-lg { margin-bottom: 32px; }
.wiz-sk-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 18px; }
.wiz-sk-grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; margin-bottom: 18px; }
.wiz-sk-actions { display: flex; justify-content: flex-end; }
.wiz-sk-btn { height: 48px; width: 160px; border-radius: 8px; }

/* — "What happens next" numbered steps — */
.next-steps { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 16px; }
.next-step  { display: flex; gap: 12px; }
.next-badge {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--wash); color: var(--accent);
  font-size: 0.78rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 1px;
}
.next-step-title { font-weight: 600; font-size: 0.875rem; margin: 0 0 3px; color: var(--text); }
.next-step-body  { font-size: 0.8rem; color: var(--muted); margin: 0; line-height: 1.5; }

/* — Resource link panels (more guides / by region) — */
.link-panel { margin-top: 28px; padding: 20px 24px; background: var(--bg2); border: 1px solid var(--border); border-radius: var(--radius-lg); }
.link-panel + .link-panel { margin-top: 16px; }
.link-panel-title {
  font-family: var(--font-mono); font-size: 0.72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.12em; color: var(--terra);
  display: block; margin-bottom: 12px;
}
.link-panel-links { display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 0.85rem; line-height: 2; }

/* — CTA + footer bits — */
.cta-lead { max-width: 540px; margin: 0 auto 32px; }
.cta-subnote { margin-top: 16px; color: var(--muted2); font-size: 0.875rem; }
.footer-brand-link { font-size: 1.1rem; display: inline-block; margin-bottom: 16px; }
.footer-contact { margin-top: 16px; font-size: 0.875rem; }