/* ==========================================================================
   McAllen Public Adjuster — site styles
   Palette: Deep Navy #10243A · Dark Blue #172D43 · Gold #C89B48
   ========================================================================== */

@font-face {
  font-family: "Montserrat";
  src: url("/assets/fonts/montserrat-latin.woff2") format("woff2");
  font-weight: 500 800;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: "Inter";
  src: url("/assets/fonts/inter-latin.woff2") format("woff2");
  font-weight: 400 700;
  font-style: normal;
  font-display: swap;
}

:root {
  --navy: #10243a;
  --navy-2: #172d43;
  --navy-3: #1f3a56;
  --gold: #c89b48;
  --gold-light: #e2bf7d;
  --gold-dark: #8a6420;
  --gray: #eef2f5;
  --gray-2: #dfe5eb;
  --off: #f8f9fa;
  --white: #fff;
  --ink: #1b2836;
  --muted: #536476;
  --line: #d9e1e8;
  --success: #1d7a46;
  --danger: #b42318;
  --warn: #9a5b00;
  --radius: 14px;
  --radius-sm: 9px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(16, 36, 58, .06), 0 2px 8px rgba(16, 36, 58, .06);
  --shadow: 0 6px 24px rgba(16, 36, 58, .10);
  --shadow-lg: 0 18px 50px rgba(16, 36, 58, .18);
  --font-head: "Montserrat", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --container: 1200px;
  --header-h: 76px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }
body { margin: 0; font-family: var(--font-body); font-size: 17px; line-height: 1.65; color: var(--ink); background: var(--white); text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased; }
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-3); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-dark); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy); line-height: 1.2; margin: 0 0 .6em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.4vw, 3.3rem); font-weight: 800; }
h2 { font-size: clamp(1.55rem, 3vw, 2.25rem); font-weight: 700; }
h3 { font-size: clamp(1.15rem, 2vw, 1.35rem); font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.3em; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 1000; background: var(--gold); color: var(--navy); padding: 10px 16px; border-radius: 8px; font-weight: 700; }
.skip-link:focus { top: 12px; }
main:focus { outline: none; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.center { text-align: center; }
.icon { width: 1.25em; height: 1.25em; flex: none; }
.icon-sm { width: 1em; height: 1em; }
.icon-lg { width: 2rem; height: 2rem; }

/* ---- Buttons ---- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; padding: .85em 1.5em; border-radius: 999px; font-family: var(--font-head); font-weight: 700; font-size: .95rem; letter-spacing: .01em; text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: transform .2s var(--ease), box-shadow .2s var(--ease), background-color .2s, color .2s, border-color .2s; line-height: 1.2; text-align: center; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 6px 18px rgba(200, 155, 72, .35); }
.btn-gold:hover { background: var(--gold-light); color: var(--navy); box-shadow: 0 10px 26px rgba(200, 155, 72, .45); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-3); color: #fff; }
.btn-outline-light { border-color: rgba(255, 255, 255, .55); color: #fff; background: rgba(255, 255, 255, .06); }
.btn-outline-light:hover { border-color: var(--gold); color: #fff; background: rgba(255, 255, 255, .12); }
.btn-ghost { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-sm { padding: .6em 1.1em; font-size: .85rem; }
.btn-lg { padding: 1em 1.8em; font-size: 1.02rem; }
.btn-block { display: flex; width: 100%; }
.btn[disabled], .btn.is-loading { opacity: .7; pointer-events: none; }

.eyebrow { font-family: var(--font-head); text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 700; color: var(--gold-dark); margin: 0 0 .8em; display: inline-flex; align-items: center; gap: .6em; }
.eyebrow::before { content: ""; width: 26px; height: 2px; background: currentColor; }
.eyebrow-gold { color: var(--gold); }
.lead { font-size: 1.15rem; color: var(--muted); }

/* ---- Top bar + header ---- */
.topbar { background: var(--navy); color: #c9d3de; font-size: .82rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.topbar p { margin: 0; display: flex; align-items: center; gap: 6px; }
.topbar-links { gap: 22px !important; }
.topbar a { color: #e8edf2; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--gold-light); }
.topbar .icon { color: var(--gold); }

.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255, 255, 255, .96); backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid transparent; transition: box-shadow .3s, border-color .3s; }
.site-header.is-scrolled { box-shadow: 0 6px 24px rgba(16, 36, 58, .10); border-color: var(--line); }
.header-inner { display: flex; align-items: center; gap: 20px; height: var(--header-h); transition: height .3s var(--ease); }
.site-header.is-scrolled .header-inner { height: 64px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; flex: none; }
.brand img { width: 44px; height: 44px; }
.brand-text { display: flex; flex-direction: column; line-height: 1; font-family: var(--font-head); }
.brand-name { font-weight: 800; font-size: 1.32rem; color: var(--navy); letter-spacing: .02em; text-transform: uppercase; }
.brand-sub { font-weight: 600; font-size: .7rem; letter-spacing: .26em; text-transform: uppercase; color: var(--gold-dark); margin-top: 4px; }

.main-nav { margin-left: auto; }
.nav-list { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 2px; }
.nav-item { position: relative; display: flex; align-items: center; }
.nav-item > a { display: block; padding: 10px 12px; font-family: var(--font-head); font-weight: 600; font-size: .92rem; color: var(--navy); text-decoration: none; border-radius: 8px; transition: color .2s, background-color .2s; }
.nav-item > a:hover, .nav-item.is-active > a { color: var(--gold-dark); }
.nav-item.is-active > a { box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.sub-toggle { background: none; border: 0; padding: 6px 4px; margin-left: -8px; cursor: pointer; color: var(--navy); display: inline-flex; border-radius: 6px; }
.sub-menu { list-style: none; margin: 0; padding: 10px; position: absolute; top: calc(100% + 6px); left: 0; min-width: 250px; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); border: 1px solid var(--line); opacity: 0; visibility: hidden; transform: translateY(8px); transition: opacity .2s, transform .2s var(--ease), visibility .2s; z-index: 20; }
.sub-menu-wide { columns: 2; column-gap: 8px; min-width: 470px; }
.sub-menu li { break-inside: avoid; }
.sub-menu a { display: block; padding: 8px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-size: .9rem; }
.sub-menu a:hover, .sub-menu a[aria-current] { background: var(--gray); color: var(--navy); }
.nav-item.has-sub:hover .sub-menu, .nav-item.has-sub:focus-within .sub-menu, .nav-item.has-sub.is-open .sub-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-mobile-cta { display: none; }

.header-actions { display: flex; align-items: center; gap: 14px; }
.header-phone { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; color: var(--navy); font-family: var(--font-head); font-weight: 700; font-size: 1rem; white-space: nowrap; }
.header-phone .icon { width: 38px; height: 38px; padding: 9px; border-radius: 50%; background: var(--gray); color: var(--gold-dark); transition: background-color .2s, color .2s; }
.header-phone:hover .icon { background: var(--gold); color: var(--navy); }
.header-phone span { display: flex; flex-direction: column; line-height: 1.15; }
.header-phone small { font-family: var(--font-body); font-weight: 500; font-size: .7rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }
.nav-toggle { display: none; background: var(--navy); border: 0; width: 46px; height: 46px; border-radius: 12px; cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle-bars { display: grid; gap: 5px; }
.nav-toggle-bars span { display: block; width: 22px; height: 2px; background: #fff; border-radius: 2px; transition: transform .3s var(--ease), opacity .2s; }
.nav-open .nav-toggle-bars span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-open .nav-toggle-bars span:nth-child(2) { opacity: 0; }
.nav-open .nav-toggle-bars span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 1180px) {
  .header-phone span { display: none; }
  .nav-item > a { padding: 10px 9px; font-size: .88rem; }
}
@media (max-width: 1020px) {
  .topbar-note { display: none !important; }
  .topbar-inner { justify-content: center; }
  .nav-toggle { display: inline-flex; }
  .header-cta { display: none; }
  .main-nav { position: fixed; inset: 0 0 0 auto; width: min(380px, 88vw); background: var(--navy); padding: 90px 22px 30px; overflow-y: auto; z-index: 90; display: none; }
  .nav-open .main-nav { display: block; box-shadow: -20px 0 60px rgba(0, 0, 0, .35); animation: navIn .35s var(--ease) both; }
  .nav-open::after { content: ""; position: fixed; inset: 0; background: rgba(8, 18, 30, .55); z-index: 80; }
  .nav-open .site-header { z-index: 110; }
  .nav-list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav-item { flex-wrap: wrap; border-bottom: 1px solid rgba(255, 255, 255, .1); }
  .nav-item > a { color: #fff; flex: 1; padding: 14px 4px; font-size: 1rem; }
  .nav-item.is-active > a { box-shadow: none; color: var(--gold-light); }
  .nav-item > a:hover { color: var(--gold-light); }
  .sub-toggle { color: #fff; padding: 12px; margin: 0; }
  .sub-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
  .sub-menu, .sub-menu-wide { position: static; columns: 1; min-width: 0; width: 100%; box-shadow: none; border: 0; background: rgba(255, 255, 255, .05); opacity: 1; visibility: visible; transform: none; display: none; margin-bottom: 10px; }
  .nav-item.has-sub:hover .sub-menu { display: none; }
  .nav-item.has-sub.is-open .sub-menu { display: block; }
  .sub-menu a { color: #dfe7ef; }
  .sub-menu a:hover, .sub-menu a[aria-current] { background: rgba(255, 255, 255, .08); color: #fff; }
  .nav-mobile-cta { display: grid; gap: 10px; margin-top: 24px; }
  .header-actions { margin-left: auto; position: relative; z-index: 95; }
  .nav-open .header-phone { visibility: hidden; }
}
@keyframes navIn { from { transform: translateX(100%); } to { transform: none; } }
@media (max-width: 560px) {
  .brand-name { font-size: 1.1rem; }
  .brand-sub { font-size: .6rem; letter-spacing: .2em; }
  .brand img { width: 38px; height: 38px; }
  .header-phone .icon { width: 42px; height: 42px; }
  .topbar-links a:first-child { display: none; }
}

/* ---- Sections ---- */
.section { padding: clamp(56px, 8vw, 100px) 0; position: relative; }
.section-tight { padding: 48px 0; }
.section-alt { background: var(--off); }
.section-gray { background: var(--gray); }
.section-navy { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 60%, var(--navy-3) 100%); color: #d8e1ea; }
.section-navy h2, .section-navy h3 { color: #fff; }
.section-navy a:not(.btn) { color: var(--gold-light); }
.section-head { max-width: 760px; margin: 0 auto 48px; text-align: center; }
.section-head p { color: var(--muted); font-size: 1.08rem; }
.section-navy .section-head p { color: #b9c6d3; }
.section-title { margin-bottom: 28px; }

/* ---- Home hero ---- */
.hero { position: relative; min-height: min(88vh, 820px); display: flex; align-items: center; overflow: hidden; color: #fff; background: var(--navy); }
.hero-bg { position: absolute; inset: -8% 0 0; z-index: 0; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; }
.hero::before { content: ""; position: absolute; inset: 0; z-index: 1; background: linear-gradient(100deg, rgba(10, 23, 38, .95) 0%, rgba(16, 36, 58, .86) 45%, rgba(16, 36, 58, .45) 100%); }
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.25fr .9fr; gap: 48px; align-items: center; padding-top: 60px; padding-bottom: 80px; }
.hero h1 { color: #fff; font-size: clamp(2.1rem, 4.8vw, 3.6rem); }
.hero h1 .accent { color: var(--gold); display: block; font-size: .62em; margin-top: .3em; font-weight: 700; }
.hero-text { font-size: 1.15rem; color: #d3dde7; max-width: 620px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 28px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 34px; padding: 0; list-style: none; }
.hero-badges li { display: flex; align-items: center; gap: 8px; color: #e1e8ef; font-size: .93rem; }
.hero-badges .icon { color: var(--gold); }
.hero-card { background: rgba(255, 255, 255, .97); color: var(--ink); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow-lg); }
.hero-card h2 { font-size: 1.35rem; margin-bottom: .3em; }
.hero-card > p { color: var(--muted); font-size: .95rem; }
.hero-scroll { position: absolute; z-index: 2; left: 50%; bottom: 22px; transform: translateX(-50%); width: 26px; height: 42px; border: 2px solid rgba(255, 255, 255, .5); border-radius: 14px; }
.hero-scroll::after { content: ""; position: absolute; left: 50%; top: 8px; width: 4px; height: 8px; margin-left: -2px; border-radius: 2px; background: var(--gold); animation: scrollcue 1.8s infinite; }
@keyframes scrollcue { 0% { opacity: 0; transform: translateY(0); } 40% { opacity: 1; } 100% { opacity: 0; transform: translateY(12px); } }

@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; padding-top: 48px; }
  .hero-scroll { display: none; }
}

/* ---- Page hero ---- */
.page-hero { position: relative; color: #fff; background: var(--navy); overflow: hidden; }
.page-hero-bg { position: absolute; inset: -10% 0 0; }
.page-hero-bg img { width: 100%; height: 100%; object-fit: cover; opacity: .32; }
.page-hero::after { content: ""; position: absolute; inset: 0; background: linear-gradient(110deg, rgba(10, 23, 38, .96) 10%, rgba(16, 36, 58, .82) 60%, rgba(16, 36, 58, .6)); }
.page-hero-inner { position: relative; z-index: 2; padding-top: clamp(42px, 6vw, 72px); padding-bottom: clamp(48px, 7vw, 84px); max-width: 1000px; margin-left: max(0px, calc((100% - var(--container)) / 2)); }
.page-hero h1 { color: #fff; max-width: 900px; }
.page-hero-lead { font-size: 1.15rem; color: #d0dae4; max-width: 760px; }
.page-hero-compact .page-hero-inner { padding-bottom: 44px; }
.page-hero .hero-actions { margin-top: 22px; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 4px; padding: 0; margin: 0 0 18px; font-size: .85rem; color: #aebccb; }
.breadcrumbs li + li::before { content: "/"; margin: 0 6px 0 2px; color: var(--gold); }
.breadcrumbs a { color: #dbe4ec; text-decoration: none; }
.breadcrumbs a:hover { color: var(--gold-light); }
.post-meta { display: flex; align-items: center; gap: 12px; margin-top: 18px; font-size: .92rem; color: #c7d2dd; }
.post-meta img { width: 44px; height: 44px; border-radius: 50%; border: 2px solid var(--gold); object-fit: cover; }
.post-meta > div { display: flex; flex-direction: column; }
.post-meta a { color: #fff; font-weight: 600; }

/* ---- Article layout ---- */
.with-sidebar { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 56px; align-items: start; }
@media (max-width: 1020px) { .with-sidebar { grid-template-columns: 1fr; } .sidebar { order: 2; } }
.sidebar-sticky { position: sticky; top: calc(var(--header-h) + 20px); display: grid; gap: 20px; }
.sidebar-card { background: var(--off); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.sidebar-cta { background: linear-gradient(160deg, var(--navy), var(--navy-3)); border: 0; color: #d3dde7; }
.sidebar-cta .btn { margin-top: 10px; }
.sidebar-cta-title, .sidebar-title { font-family: var(--font-head); font-weight: 700; font-size: 1.1rem; margin: 0 0 .4em; color: var(--navy); }
.sidebar-cta-title { color: #fff; }
.sidebar-links { list-style: none; padding: 0; margin: 0; }
.sidebar-links li + li { border-top: 1px solid var(--line); }
.sidebar-links a { display: flex; align-items: center; gap: 10px; padding: 10px 0; text-decoration: none; color: var(--ink); font-size: .95rem; }
.sidebar-links a:hover { color: var(--gold-dark); }
.sidebar-links .icon { color: var(--gold-dark); }
.toc { border-left: 3px solid var(--gold); padding: 4px 0 4px 18px; }
.toc-title { font-family: var(--font-head); font-weight: 700; color: var(--navy); margin-bottom: .5em; font-size: .9rem; text-transform: uppercase; letter-spacing: .1em; }
.toc ol { margin: 0; padding-left: 1.1em; font-size: .9rem; display: grid; gap: 6px; }
.toc a { text-decoration: none; color: var(--muted); }
.toc a:hover, .toc a.is-current { color: var(--navy); font-weight: 600; }

/* Prose */
.prose { min-width: 0; }
.prose > * { max-width: 100%; }
.prose h2 { margin-top: 1.9em; padding-top: .2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.5em; }
.prose li { margin-bottom: .4em; }
.prose blockquote { margin: 1.6em 0; padding: 18px 24px; border-left: 4px solid var(--gold); background: var(--off); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; font-size: 1.05rem; }
.prose blockquote p:last-child { margin-bottom: 0; }
.prose img { border-radius: var(--radius); }
.prose figure { margin: 1.6em 0; }
.prose figcaption { font-size: .88rem; color: var(--muted); margin-top: 8px; }
.post-featured { margin: 0 0 2em !important; }
.post-featured img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.callout { background: var(--gray); border-radius: var(--radius); padding: 20px 24px; margin: 1.6em 0; border-left: 4px solid var(--navy); }
.callout-gold { border-left-color: var(--gold); background: #fbf6ec; }
.callout-warn { border-left-color: var(--warn); background: #fff7e8; }
.callout p:last-child, .callout ul:last-child { margin-bottom: 0; }
.callout-title { font-family: var(--font-head); font-weight: 700; color: var(--navy); margin-bottom: .4em; display: block; }
.key-takeaways { background: linear-gradient(160deg, #fbf6ec, #fff); border: 1px solid #ecdcbc; border-radius: var(--radius); padding: 22px 26px; margin: 0 0 2em; }
.key-takeaways h2 { font-size: 1.15rem; margin: 0 0 .6em !important; padding: 0; }
.key-takeaways ul { margin: 0; }

.table-wrap { overflow-x: auto; margin: 1.6em 0; border-radius: var(--radius); border: 1px solid var(--line); -webkit-overflow-scrolling: touch; }
table { width: 100%; border-collapse: collapse; font-size: .95rem; background: #fff; }
th, td { padding: 12px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
thead th { background: var(--navy); color: #fff; font-family: var(--font-head); font-weight: 600; font-size: .88rem; letter-spacing: .02em; }
tbody tr:nth-child(even) { background: var(--off); }
tbody tr:last-child td { border-bottom: 0; }
.table-wrap table { min-width: 560px; }

.sources { margin-top: 2.4em; font-size: .93rem; }
.sources ul { padding-left: 1.1em; }
.post-disclaimer { font-size: .85rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 24px; }

/* ---- Lists ---- */
.check-list { list-style: none; padding: 0; display: grid; gap: 10px; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; }
.check-list .icon { color: var(--gold-dark); margin-top: 4px; background: #f6ecd8; border-radius: 50%; padding: 3px; width: 1.3em; height: 1.3em; }
.section-navy .check-list .icon { background: rgba(200, 155, 72, .18); color: var(--gold-light); }
.link-list { padding-left: 1.1em; }
.link-list li { margin-bottom: 6px; }

/* ---- Cards + grids ---- */
.card-grid { display: grid; gap: 22px; }
.card-grid-services { grid-template-columns: repeat(auto-fill, minmax(255px, 1fr)); }
.card-grid-tools { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.card-grid-posts { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 28px; }
.card-grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.card-grid-4 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

.service-card, .tool-card { position: relative; display: flex; flex-direction: column; gap: 10px; padding: 26px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s; overflow: hidden; }
.service-card::after, .tool-card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease); }
.service-card:hover, .tool-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; color: var(--ink); }
.service-card:hover::after, .tool-card:hover::after { transform: scaleX(1); }
.service-card-icon, .tool-card-icon { width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center; background: linear-gradient(145deg, var(--navy), var(--navy-3)); color: var(--gold); transition: transform .3s var(--ease); }
.service-card:hover .service-card-icon, .tool-card:hover .tool-card-icon { transform: rotate(-6deg) scale(1.06); }
.service-card-icon .icon, .tool-card-icon .icon { width: 26px; height: 26px; }
.service-card-title, .tool-card-title { font-family: var(--font-head); font-weight: 700; font-size: 1.1rem; color: var(--navy); }
.service-card-text, .tool-card-text { color: var(--muted); font-size: .94rem; flex: 1; }
.service-card-more, .post-card-more { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-family: var(--font-head); font-size: .88rem; color: var(--gold-dark); text-decoration: none; }
.service-card:hover .service-card-more .icon, .tool-card:hover .service-card-more .icon { transform: translateX(4px); }
.service-card-more .icon { transition: transform .25s var(--ease); }
.section-navy .tool-card { background: rgba(255, 255, 255, .05); border-color: rgba(255, 255, 255, .12); color: #d8e1ea; }
.section-navy .tool-card-title { color: #fff; }
.section-navy .tool-card-text { color: #b9c6d3; }
.section-navy .tool-card .service-card-more { color: var(--gold-light); }
.section-navy .tool-card:hover { background: rgba(255, 255, 255, .09); }
.section-navy .tool-card-icon { background: var(--gold); color: var(--navy); }

.feature { padding: 26px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow-sm); }
.feature-icon { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; background: #f6ecd8; color: var(--gold-dark); margin-bottom: 14px; }
.feature h3 { font-size: 1.12rem; margin-bottom: .4em; }
.feature p { color: var(--muted); font-size: .96rem; margin: 0; }

.post-card { display: flex; flex-direction: column; background: #fff; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.post-card-media { display: block; overflow: hidden; aspect-ratio: 16 / 9; background: var(--gray); }
.post-card-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.post-card:hover .post-card-media img { transform: scale(1.05); }
.post-card-body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.post-card-body p { color: var(--muted); font-size: .94rem; flex: 1; }
.post-card-meta { display: flex; gap: 12px; align-items: center; font-size: .8rem !important; color: var(--muted); flex: none !important; margin-bottom: 10px; }
.post-card-meta span { background: #f6ecd8; color: var(--gold-dark); padding: 3px 10px; border-radius: 999px; font-weight: 600; }
.post-card-title { font-size: 1.15rem; margin-bottom: .5em; }
.post-card-title a { color: var(--navy); text-decoration: none; }
.post-card-title a:hover { color: var(--gold-dark); }

.chip-list { display: flex; flex-wrap: wrap; gap: 10px; }
.chip-list-center { justify-content: center; margin: 24px 0; }
.chip { display: inline-flex; padding: 8px 16px; border-radius: 999px; background: var(--gray); color: var(--navy); text-decoration: none; font-size: .9rem; font-weight: 600; transition: background-color .2s, color .2s, transform .2s; }
.chip:hover { background: var(--navy); color: #fff; transform: translateY(-2px); }

/* ---- Split layouts ---- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.split-form { grid-template-columns: .9fr 1.1fr; align-items: start; }
.split-media { position: relative; }
.split-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.split-media .media-badge { position: absolute; left: -18px; bottom: -18px; background: var(--gold); color: var(--navy); padding: 18px 22px; border-radius: var(--radius); box-shadow: var(--shadow-lg); font-family: var(--font-head); font-weight: 800; max-width: 230px; line-height: 1.25; }
.media-badge small { display: block; font-weight: 600; font-family: var(--font-body); font-size: .78rem; margin-top: 4px; }
@media (max-width: 900px) { .split, .split-form { grid-template-columns: 1fr; } .split-media .media-badge { left: 12px; bottom: -14px; } }

/* ---- Stats / counters ---- */
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 18px; }
.stat { background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--radius); padding: 24px; text-align: center; }
.stat-num { font-family: var(--font-head); font-weight: 800; font-size: clamp(2rem, 4vw, 2.8rem); color: var(--gold); line-height: 1.1; display: block; }
.stat-label { color: #c5d1dc; font-size: .93rem; display: block; margin-top: 6px; }
.stat-source { display: block; font-size: .75rem; color: #8ea2b6; margin-top: 8px; }
.stat-source a { color: #a9bccd !important; }

/* ---- Trust strip ---- */
.trust-strip { background: #fff; border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.trust-item { display: flex; align-items: center; gap: 14px; padding: 26px 20px; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item .icon { width: 42px; height: 42px; padding: 9px; border-radius: 12px; background: var(--gray); color: var(--gold-dark); }
.trust-item strong { display: block; font-family: var(--font-head); color: var(--navy); font-size: .98rem; }
.trust-item span { font-size: .85rem; color: var(--muted); }
@media (max-width: 900px) { .trust-grid { grid-template-columns: 1fr 1fr; } .trust-item:nth-child(2) { border-right: 0; } .trust-item:nth-child(-n+2) { border-bottom: 1px solid var(--line); } }
@media (max-width: 520px) { .trust-grid { grid-template-columns: 1fr; } .trust-item { border-right: 0; border-bottom: 1px solid var(--line); } }

/* ---- Process timeline ---- */
.timeline { list-style: none; padding: 0; margin: 0; position: relative; display: grid; gap: 22px; counter-reset: step; }
.timeline::before { content: ""; position: absolute; left: 27px; top: 10px; bottom: 10px; width: 2px; background: var(--line); }
.timeline::after { content: ""; position: absolute; left: 27px; top: 10px; width: 2px; height: calc(var(--progress, 0) * (100% - 20px)); background: linear-gradient(var(--gold), var(--gold-dark)); transition: height .2s linear; }
.timeline li { position: relative; padding-left: 80px; counter-increment: step; }
.timeline li::before { content: counter(step); position: absolute; left: 0; top: 0; width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: #fff; border: 2px solid var(--line); font-family: var(--font-head); font-weight: 800; font-size: 1.15rem; color: var(--navy); z-index: 1; transition: background-color .4s, border-color .4s, color .4s; }
.timeline li.is-visible::before { background: var(--navy); border-color: var(--gold); color: var(--gold); }
.timeline h3 { margin: 6px 0 .3em; font-size: 1.15rem; }
.timeline p { color: var(--muted); margin: 0; }
.timeline-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; box-shadow: var(--shadow-sm); }

/* ---- Accordion (native details) ---- */
.accordion { display: grid; gap: 12px; }
.accordion-item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: box-shadow .25s, border-color .25s; }
.accordion-item[open] { box-shadow: var(--shadow); border-color: transparent; }
.accordion-item summary { list-style: none; cursor: pointer; padding: 18px 56px 18px 22px; font-family: var(--font-head); font-weight: 600; color: var(--navy); position: relative; font-size: 1.02rem; }
.accordion-item summary::-webkit-details-marker { display: none; }
.accordion-icon { position: absolute; right: 20px; top: 50%; width: 22px; height: 22px; margin-top: -11px; border-radius: 50%; background: var(--gray); }
.accordion-icon::before, .accordion-icon::after { content: ""; position: absolute; left: 6px; right: 6px; top: 10px; height: 2px; background: var(--navy); transition: transform .25s var(--ease); }
.accordion-icon::after { transform: rotate(90deg); }
.accordion-item[open] .accordion-icon { background: var(--gold); }
.accordion-item[open] .accordion-icon::after { transform: rotate(0); }
.accordion-body { padding: 0 22px 18px; color: var(--ink); }
.accordion-body p:last-child { margin-bottom: 0; }
.faq-block { margin-top: 2.4em; }

/* ---- CTA band ---- */
.cta-band { display: grid; grid-template-columns: auto 1fr auto; gap: 22px; align-items: center; background: linear-gradient(135deg, var(--navy), var(--navy-3)); color: #d3dde7; padding: 28px 30px; border-radius: var(--radius-lg); margin: 2.4em 0; box-shadow: var(--shadow); position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; right: -60px; top: -60px; width: 200px; height: 200px; border-radius: 50%; background: radial-gradient(circle, rgba(200, 155, 72, .3), transparent 70%); }
.cta-band-icon { width: 64px; height: 64px; border-radius: 16px; background: var(--gold); color: var(--navy); display: grid; place-items: center; }
.cta-band-title { font-family: var(--font-head); font-weight: 700; color: #fff; font-size: 1.2rem; margin-bottom: .3em; }
.cta-band-text p:last-child { margin: 0; font-size: .96rem; }
.cta-band-actions { display: flex; flex-direction: column; gap: 10px; position: relative; }
.cta-band .btn-ghost { border-color: rgba(255, 255, 255, .5); color: #fff; }
.cta-band .btn-ghost:hover { background: #fff; color: var(--navy); }
.cta-band-storm { background: linear-gradient(135deg, #0d1f33, #23405f); }
@media (max-width: 760px) { .cta-band { grid-template-columns: 1fr; } .cta-band-icon { width: 54px; height: 54px; } }

/* ---- Forms ---- */
.form-card { background: #fff; border-radius: var(--radius-lg); padding: clamp(22px, 3vw, 34px); box-shadow: var(--shadow-lg); border: 1px solid var(--line); }
.form-card-title { font-size: 1.4rem; margin-bottom: .2em; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; margin-bottom: 18px; }
.claim-form-compact .form-grid { grid-template-columns: 1fr 1fr; }
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field-full { grid-column: 1 / -1; }
.field label { font-size: .86rem; font-weight: 600; color: var(--navy); }
.field .opt { font-weight: 400; color: var(--muted); font-size: .8rem; }
.req { color: var(--danger); }
.field input, .field select, .field textarea { width: 100%; padding: 12px 14px; border: 1.5px solid var(--gray-2); border-radius: 10px; background: var(--off); font-size: 1rem; transition: border-color .2s, box-shadow .2s, background-color .2s; }
.field input[type="file"] { padding: 10px; background: #fff; font-size: .9rem; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); background: #fff; box-shadow: 0 0 0 4px rgba(200, 155, 72, .18); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--danger); }
.field-error { color: var(--danger); font-size: .82rem; }
.field-check { flex-direction: row; align-items: flex-start; gap: 10px; }
.field-check input { width: 20px; height: 20px; margin-top: 3px; flex: none; accent-color: var(--navy); }
.field-check label { font-weight: 400; font-size: .86rem; color: var(--ink); }
.hp-field { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-note { font-size: .82rem; color: var(--muted); margin: 12px 0 0; display: flex; gap: 6px; align-items: flex-start; }
.form-note .icon { margin-top: 3px; color: var(--success); }
.form-status:empty { display: none; }
.form-status { margin-bottom: 16px; }
.notice { border-radius: var(--radius); padding: 16px 20px; margin-bottom: 18px; }
.notice ul { margin: 8px 0 0; }
.notice-success { background: #e8f6ee; border: 1px solid #a7dcbc; color: #11502d; }
.notice-error { background: #fdecea; border: 1px solid #f4b6ae; color: #7a1a10; }
.notice-info { background: #eaf1f8; border: 1px solid #c3d5e6; color: var(--navy); }
.notice-warn { background: #fff5e0; border: 1px solid #f0d08f; color: #6b4300; }
.form-success { text-align: center; padding: 30px 10px; }
.form-success .icon { width: 64px; height: 64px; color: var(--success); background: #e8f6ee; border-radius: 50%; padding: 14px; margin: 0 auto 14px; }
@media (max-width: 600px) { .form-grid, .claim-form-compact .form-grid { grid-template-columns: 1fr; } }
.search-404 { display: flex; gap: 10px; margin: 26px auto; max-width: 520px; }
.search-404 input { flex: 1; padding: 12px 16px; border-radius: 999px; border: 1.5px solid var(--gray-2); }

/* ---- Weather ---- */
.wx-grid { display: grid; grid-template-columns: 1.1fr 1.4fr; gap: 24px; align-items: stretch; }
@media (max-width: 900px) { .wx-grid { grid-template-columns: 1fr; } }
.wx-now { background: linear-gradient(150deg, var(--navy), var(--navy-3)); color: #fff; border-radius: var(--radius-lg); padding: 28px; position: relative; overflow: hidden; }
.wx-now::after { content: ""; position: absolute; right: -40px; top: -40px; width: 180px; height: 180px; border-radius: 50%; background: radial-gradient(circle, rgba(200, 155, 72, .35), transparent 70%); }
.wx-now-top { display: flex; align-items: center; gap: 18px; }
.wx-temp { font-family: var(--font-head); font-weight: 800; font-size: clamp(3rem, 7vw, 4.4rem); line-height: 1; }
.wx-temp sup { font-size: .45em; color: var(--gold); }
.wx-icon { width: 84px; height: 84px; border-radius: 18px; background: rgba(255, 255, 255, .1); object-fit: cover; }
.wx-cond { font-size: 1.2rem; font-weight: 600; margin: 4px 0 0; }
.wx-stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin: 22px 0 0; }
.wx-stats div { background: rgba(255, 255, 255, .07); border-radius: 12px; padding: 12px 14px; }
.wx-stats dt { font-size: .76rem; text-transform: uppercase; letter-spacing: .08em; color: #a9bccd; }
.wx-stats dd { margin: 2px 0 0; font-weight: 700; font-size: 1.05rem; font-family: var(--font-head); }
.wx-updated { font-size: .8rem; color: #a9bccd; margin: 16px 0 0; }
.wx-forecast { display: grid; grid-template-columns: repeat(auto-fill, minmax(128px, 1fr)); gap: 12px; }
.wx-day { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 14px; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 4px; transition: transform .25s var(--ease), box-shadow .25s; }
.wx-day:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.wx-day-name { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: .95rem; }
.wx-day img { width: 56px; height: 56px; border-radius: 12px; }
.wx-day-temps { font-family: var(--font-head); font-weight: 700; }
.wx-day-temps .lo { color: var(--muted); font-weight: 600; margin-left: 6px; }
.wx-day-short { font-size: .8rem; color: var(--muted); line-height: 1.3; min-height: 2.6em; }
.wx-pop { font-size: .78rem; color: #1e5b8a; font-weight: 600; display: inline-flex; gap: 4px; align-items: center; }
.wx-detail { width: 100%; }
.wx-alert { border-radius: var(--radius); padding: 18px 22px; margin-bottom: 14px; border-left: 5px solid var(--danger); background: #fdecea; }
.wx-alert.sev-moderate { border-left-color: var(--warn); background: #fff5e0; }
.wx-alert.sev-minor { border-left-color: #1e5b8a; background: #eaf1f8; }
.wx-alert h3 { margin: 0 0 .3em; font-size: 1.1rem; }
.wx-alert-meta { font-size: .85rem; color: var(--muted); margin-bottom: .6em; }
.wx-alert details summary { cursor: pointer; font-weight: 600; color: var(--navy); }
.wx-alert pre { white-space: pre-wrap; font-family: var(--font-body); font-size: .9rem; margin: 10px 0 0; }
.wx-none { display: flex; gap: 12px; align-items: center; background: #e8f6ee; border: 1px solid #a7dcbc; color: #11502d; border-radius: var(--radius); padding: 16px 20px; }
.wx-mini { display: grid; grid-template-columns: auto 1fr; gap: 18px; align-items: center; }
.wx-mini-days { display: grid; grid-template-columns: repeat(auto-fill, minmax(92px, 1fr)); gap: 10px; margin-top: 20px; }
.wx-mini-days .wx-day { padding: 10px; background: rgba(255, 255, 255, .06); border-color: rgba(255, 255, 255, .12); }
.wx-mini-days .wx-day-name { color: #fff; font-size: .85rem; }
.wx-mini-days .wx-day-temps { color: #fff; }
.wx-mini-days .wx-day img { width: 42px; height: 42px; }
.wx-mini-days .lo { color: #a9bccd !important; }
.wx-fallback { background: var(--gray); border-radius: var(--radius); padding: 22px; }
.section-navy .wx-fallback { background: rgba(255, 255, 255, .06); }

/* ---- Storm events + history ---- */
.event-list { display: grid; gap: 18px; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); }
.event-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 8px; border-top: 4px solid var(--navy); transition: transform .25s var(--ease), box-shadow .25s; }
.event-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.event-card.t-hail { border-top-color: #3b82c4; }
.event-card.t-wind { border-top-color: var(--gold); }
.event-card.t-tornado { border-top-color: var(--danger); }
.event-card.t-flood { border-top-color: #1d7a8a; }
.event-card.t-tropical { border-top-color: #6b3fa0; }
.event-type { display: inline-flex; align-items: center; gap: 6px; font-family: var(--font-head); font-weight: 700; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: var(--navy); }
.event-card h3 { font-size: 1.1rem; margin: 0; }
.event-meta { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .85rem; color: var(--muted); }
.event-meta span { display: inline-flex; align-items: center; gap: 5px; }
.event-sev { display: inline-block; background: var(--gray); color: var(--navy); font-weight: 700; padding: 3px 10px; border-radius: 999px; font-size: .85rem; width: fit-content; }
.event-card p { font-size: .93rem; margin: 0; color: var(--ink); }
.event-src { font-size: .8rem; color: var(--muted); margin-top: auto !important; padding-top: 8px; border-top: 1px dashed var(--line); }

.filters { background: var(--off); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 14px; align-items: end; margin-bottom: 22px; }
.filters .field label { font-size: .8rem; }
.filters .field input, .filters .field select { padding: 10px 12px; background: #fff; }
.filters-actions { display: flex; gap: 10px; }
.results-bar { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; align-items: center; margin-bottom: 14px; font-size: .92rem; color: var(--muted); }
.storm-table td:first-child { white-space: nowrap; }
.storm-table .ev-type { font-weight: 700; color: var(--navy); white-space: nowrap; }
.storm-table .ev-narr { font-size: .86rem; color: var(--muted); max-width: 520px; }
.storm-map { height: 420px; border-radius: var(--radius); border: 1px solid var(--line); margin-bottom: 22px; background: var(--gray); z-index: 0; }
.storm-chart { display: flex; align-items: flex-end; gap: 3px; height: 160px; padding: 10px 0 0; border-bottom: 2px solid var(--line); overflow-x: auto; }
.storm-chart .bar { flex: 1 0 10px; min-width: 10px; background: linear-gradient(var(--gold), var(--gold-dark)); border-radius: 4px 4px 0 0; position: relative; transition: opacity .2s; cursor: pointer; border: 0; padding: 0; }
.storm-chart .bar:hover, .storm-chart .bar:focus-visible { opacity: .75; }
.storm-chart-labels { display: flex; justify-content: space-between; font-size: .75rem; color: var(--muted); margin-top: 6px; }
.chart-tip { font-size: .85rem; color: var(--muted); min-height: 1.4em; margin-top: 6px; }
.pager { display: flex; gap: 8px; justify-content: center; margin-top: 20px; flex-wrap: wrap; }
.pager button, .pager a { border: 1px solid var(--line); background: #fff; border-radius: 10px; padding: 8px 14px; cursor: pointer; text-decoration: none; color: var(--navy); font-weight: 600; }
.pager button[aria-current="true"], .pager a[aria-current="page"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.pager button[disabled] { opacity: .45; cursor: default; }
.badge { display: inline-block; padding: 2px 10px; border-radius: 999px; font-size: .78rem; font-weight: 700; background: var(--gray); color: var(--navy); }
.badge-live { background: #e8f6ee; color: var(--success); }
.badge-live::before { content: ""; display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--success); margin-right: 6px; animation: pulse 1.6s infinite; }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: .3; } }

/* ---- Calculator ---- */
.tool-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
@media (max-width: 960px) { .tool-layout { grid-template-columns: 1fr; } }
.tool-panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(20px, 3vw, 32px); box-shadow: var(--shadow-sm); }
.tool-panel h2 { font-size: 1.35rem; }
.input-money { position: relative; }
.input-money::before { content: "$"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.input-money input { padding-left: 28px; }
.input-group { display: flex; gap: 8px; }
.input-group > :first-child { flex: 1; }
.seg { display: inline-flex; background: var(--gray); border-radius: 10px; padding: 3px; flex: none; }
.seg label { position: relative; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: block; padding: 9px 12px; border-radius: 8px; font-weight: 700; font-size: .85rem; cursor: pointer; color: var(--muted); }
.seg input:checked + span { background: #fff; color: var(--navy); box-shadow: var(--shadow-sm); }
.seg input:focus-visible + span { outline: 3px solid var(--gold); }
.field-hint { font-size: .8rem; color: var(--muted); }
.results { position: sticky; top: calc(var(--header-h) + 20px); background: linear-gradient(160deg, var(--navy), var(--navy-3)); color: #d8e1ea; }
.results h2 { color: #fff; }
.result-rows { display: grid; gap: 2px; margin: 0; }
.result-row { display: flex; justify-content: space-between; gap: 14px; padding: 12px 0; border-bottom: 1px solid rgba(255, 255, 255, .1); align-items: baseline; }
.result-row dt { font-size: .95rem; }
.result-row dt small { display: block; font-size: .78rem; color: #9fb2c4; }
.result-row dd { margin: 0; font-family: var(--font-head); font-weight: 700; font-size: 1.15rem; color: #fff; white-space: nowrap; }
.result-row.is-total dd { color: var(--gold); font-size: 1.5rem; }
.result-row.is-oop dd { color: #f6b8a8; }
.result-bar { display: flex; height: 16px; border-radius: 999px; overflow: hidden; background: rgba(255, 255, 255, .1); margin: 20px 0 8px; }
.result-bar span { display: block; height: 100%; transition: width .4s var(--ease); }
.legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .8rem; color: #b9c6d3; list-style: none; padding: 0; }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; }
.tool-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.results .btn-ghost { border-color: rgba(255, 255, 255, .5); color: #fff; }
.results .btn-ghost:hover { background: #fff; color: var(--navy); }
.explain { font-size: .92rem; }
.explain ol { padding-left: 1.2em; }
.warn-text { color: #ffd7a8; font-size: .85rem; }

/* ---- Checklist tool ---- */
.cat-picker { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; margin-bottom: 26px; }
.cat-btn { display: flex; flex-direction: column; align-items: center; gap: 8px; padding: 18px 12px; border-radius: var(--radius); border: 2px solid var(--line); background: #fff; cursor: pointer; font-family: var(--font-head); font-weight: 700; color: var(--navy); transition: border-color .2s, transform .2s, box-shadow .2s; }
.cat-btn .icon { width: 30px; height: 30px; color: var(--gold-dark); }
.cat-btn:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.cat-btn[aria-pressed="true"] { border-color: var(--gold); background: #fbf6ec; box-shadow: var(--shadow); }
.progress { height: 12px; background: var(--gray); border-radius: 999px; overflow: hidden; }
.progress span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--gold), var(--gold-dark)); border-radius: 999px; transition: width .4s var(--ease); }
.progress-label { display: flex; justify-content: space-between; font-size: .9rem; color: var(--muted); margin: 8px 0 22px; }
.check-group { margin-bottom: 26px; }
.check-group h3 { display: flex; align-items: center; gap: 10px; font-size: 1.1rem; padding-bottom: 8px; border-bottom: 2px solid var(--gray); }
.check-item { display: grid; grid-template-columns: auto 1fr; gap: 4px 12px; padding: 12px 10px; border-radius: 10px; transition: background-color .2s; }
.check-item:hover { background: var(--off); }
.check-item input[type="checkbox"] { width: 22px; height: 22px; margin-top: 2px; accent-color: var(--navy); cursor: pointer; }
.check-item label { cursor: pointer; font-weight: 600; color: var(--navy); }
.check-item .ci-help { grid-column: 2; font-size: .88rem; color: var(--muted); margin: 0; }
.check-item.is-done label { text-decoration: line-through; color: var(--muted); }
.check-item .ci-note-toggle { grid-column: 2; justify-self: start; background: none; border: 0; padding: 0; color: var(--gold-dark); font-size: .82rem; font-weight: 600; cursor: pointer; }
.check-item textarea { grid-column: 2; width: 100%; border: 1.5px solid var(--gray-2); border-radius: 8px; padding: 8px 10px; font-size: .9rem; min-height: 60px; }
.save-toggle { display: flex; gap: 10px; align-items: center; font-size: .9rem; }

/* ---- Author page ---- */
.author-hero { display: grid; grid-template-columns: 220px 1fr; gap: 36px; align-items: center; }
.author-hero img { width: 220px; height: 220px; border-radius: 50%; object-fit: cover; border: 5px solid var(--gold); box-shadow: var(--shadow-lg); }
@media (max-width: 700px) { .author-hero { grid-template-columns: 1fr; text-align: center; } .author-hero img { margin: 0 auto; width: 170px; height: 170px; } }
.author-box { display: grid; grid-template-columns: 112px 1fr; gap: 22px; padding: 26px; background: var(--off); border: 1px solid var(--line); border-radius: var(--radius-lg); margin: 2.4em 0 1em; }
.author-box-photo { width: 112px; height: 112px; border-radius: 50%; object-fit: cover; border: 3px solid var(--gold); }
.author-box-label { text-transform: uppercase; letter-spacing: .12em; font-size: .72rem; font-weight: 700; color: var(--gold-dark); margin: 0 0 4px; }
.author-box-name { font-family: var(--font-head); font-weight: 700; font-size: 1.2rem; margin: 0 0 .5em; }
.author-box-name a { color: var(--navy); }
.author-box-name span { font-family: var(--font-body); font-weight: 500; font-size: .85rem; color: var(--muted); margin-left: 6px; }
.author-box p { font-size: .94rem; }
.author-box-links { margin: 0; font-weight: 600; }
@media (max-width: 600px) { .author-box { grid-template-columns: 1fr; } }

/* ---- Footer ---- */
.site-footer { background: #0b1a2b; color: #b6c3d0; font-size: .94rem; }
.site-footer a:not(.btn) { color: #dfe7ef; text-decoration: none; }
.site-footer .footer-copy a, .site-footer .footer-disclaimer a { text-decoration: underline; }
.site-footer a:not(.btn):hover { color: var(--gold-light); }
.footer-cta { background: linear-gradient(120deg, var(--navy-2), var(--navy-3)); border-bottom: 1px solid rgba(255, 255, 255, .08); }
.footer-cta-inner { display: grid; grid-template-columns: 1fr auto; gap: 30px; align-items: center; padding-top: 52px; padding-bottom: 52px; }
.footer-cta h2 { color: #fff; margin-bottom: .3em; font-size: clamp(1.4rem, 2.6vw, 2rem); }
.footer-cta p { margin: 0; color: #c5d1dc; }
.footer-cta-actions { display: flex; flex-wrap: wrap; gap: 12px; }
@media (max-width: 860px) { .footer-cta-inner { grid-template-columns: 1fr; } }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1.2fr 1fr; gap: 40px; padding-top: 60px; padding-bottom: 44px; }
@media (max-width: 960px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; gap: 30px; } }
.brand-footer .brand-name { color: #fff; }
.brand-footer .brand-sub { color: var(--gold); }
.footer-about p { margin-top: 16px; }
.footer-legal-name { font-size: .88rem; color: #9fb0c1; }
.footer-legal-name strong { color: #fff; }
.footer-heading { color: #fff; font-size: 1rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 18px; position: relative; padding-bottom: 12px; }
.footer-heading::after { content: ""; position: absolute; left: 0; bottom: 0; width: 34px; height: 2px; background: var(--gold); }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.footer-links-2col { grid-template-columns: 1fr 1fr; gap: 9px 16px; }
.footer-contact { list-style: none; padding: 0; margin: 0 0 18px; display: grid; gap: 12px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact .icon { color: var(--gold); margin-top: 4px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .08); padding: 24px 0 30px; font-size: .82rem; color: #8597a9; }
.footer-disclaimer { max-width: 1000px; }
.footer-copy { margin: 0; }

/* ---- Mobile sticky call bar ---- */
.mobile-bar { display: none; }
@media (max-width: 760px) {
  .mobile-bar { display: grid; grid-template-columns: 1fr 1.3fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; box-shadow: 0 -6px 20px rgba(0, 0, 0, .18); padding-bottom: env(safe-area-inset-bottom); background: var(--navy); }
  .mobile-bar a { display: flex; align-items: center; justify-content: center; gap: 8px; padding: 15px 10px; font-family: var(--font-head); font-weight: 700; text-decoration: none; font-size: .95rem; }
  .mobile-bar-call { background: var(--navy); color: #fff; }
  .mobile-bar-review { background: var(--gold); color: var(--navy); }
  body { padding-bottom: 56px; }
}

/* ---- Reveal-on-scroll animations ---- */
.js .reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); transition-delay: var(--d, 0ms); }
.js .reveal.is-visible { opacity: 1; transform: none; }
.js .reveal-left { opacity: 0; transform: translateX(-30px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.js .reveal-right { opacity: 0; transform: translateX(30px); transition: opacity .8s var(--ease), transform .8s var(--ease); }
.js .reveal-left.is-visible, .js .reveal-right.is-visible { opacity: 1; transform: none; }
.hero .hero-anim { animation: heroIn .9s var(--ease) both; animation-delay: var(--d, 0ms); }
@keyframes heroIn { from { opacity: 0; transform: translateY(24px); } 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; }
  .js .reveal, .js .reveal-left, .js .reveal-right { opacity: 1; transform: none; }
  [data-parallax] { transform: none !important; }
}

/* ---- Misc ---- */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.muted { color: var(--muted); }
.small { font-size: .88rem; }
.disclaimer-box { font-size: .88rem; color: var(--muted); background: var(--off); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; margin-top: 24px; }
.area-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; }
.area-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.area-card h3 { display: flex; gap: 8px; align-items: center; font-size: 1.1rem; }
.area-card h3 .icon { color: var(--gold-dark); }
.area-card p { font-size: .93rem; color: var(--muted); margin: 0; }
.blog-search { display: flex; gap: 10px; max-width: 560px; margin: 0 auto 36px; }
.blog-search input { flex: 1; padding: 12px 18px; border-radius: 999px; border: 1.5px solid var(--gray-2); background: #fff; }
.featured-post { display: grid; grid-template-columns: 1.2fr 1fr; gap: 0; background: #fff; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); margin-bottom: 40px; border: 1px solid var(--line); }
.featured-post-media img { width: 100%; height: 100%; object-fit: cover; min-height: 300px; }
.featured-post-body { padding: clamp(24px, 4vw, 44px); display: flex; flex-direction: column; justify-content: center; }
@media (max-width: 860px) { .featured-post { grid-template-columns: 1fr; } }
.code-table td:first-child { font-weight: 700; color: var(--navy); white-space: nowrap; }
.verified { display: inline-flex; gap: 6px; align-items: center; font-size: .85rem; background: #e8f6ee; color: var(--success); padding: 4px 12px; border-radius: 999px; font-weight: 600; }

/* ---- Print ---- */
@media print {
  .topbar, .site-header, .site-footer, .mobile-bar, .sidebar, .cta-band, .page-hero-bg, .no-print, .breadcrumbs, .hero-actions, .tool-actions, .claim-form { display: none !important; }
  body { font-size: 12pt; color: #000; padding: 0; }
  .page-hero, .results, .wx-now { background: none !important; color: #000 !important; }
  .page-hero::after { display: none; }
  .page-hero h1, .results h2, .result-row dd, .result-row.is-total dd { color: #000 !important; }
  .with-sidebar, .tool-layout { display: block; }
  .tool-panel { box-shadow: none; border: 1px solid #999; break-inside: avoid; margin-bottom: 16px; }
  .result-row { border-color: #ccc; }
  .js .reveal { opacity: 1 !important; transform: none !important; }
  a { color: #000; }
  .print-only { display: block !important; }
}
.print-only { display: none; }

/* Keep slide-in animations from causing sideways scroll on phones (clip keeps sticky working). */
main { overflow-x: clip; }
.blog-search input, .search-404 input { min-width: 0; }

/* ---- Free Claim Review popup ---- */
.popup { width: min(560px, calc(100vw - 32px)); max-height: calc(100vh - 32px); max-height: calc(100dvh - 32px); padding: 0; border: 0; border-radius: var(--radius-lg); background: #fff; color: var(--ink); box-shadow: 0 30px 80px rgba(8, 18, 30, .45); overflow: auto; overscroll-behavior: contain; }
.popup:not([open]) { display: none; }
.popup.is-fallback-open { display: block; position: fixed; inset: 0; margin: auto; z-index: 200; height: fit-content; }
.popup::backdrop { background: rgba(8, 18, 30, .62); backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px); }
.popup[open] { animation: popupIn .35s var(--ease) both; }
.popup[open]::backdrop { animation: fadeIn .3s ease both; }
@keyframes popupIn { from { opacity: 0; transform: translateY(24px) scale(.97); } to { opacity: 1; transform: none; } }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.popup-inner { position: relative; padding: 28px 28px 20px; border-top: 5px solid var(--gold); }
.popup-close { position: absolute; top: 14px; right: 14px; width: 40px; height: 40px; border-radius: 50%; border: 0; background: var(--gray); color: var(--navy); display: grid; place-items: center; cursor: pointer; transition: background-color .2s, color .2s; }
.popup-close:hover { background: var(--navy); color: #fff; }
.popup-head { display: flex; gap: 14px; align-items: center; padding-right: 44px; margin-bottom: 10px; }
.popup-head h2 { font-size: clamp(1.3rem, 4vw, 1.6rem); margin: 2px 0 0; }
.popup-icon { width: 52px; height: 52px; flex: none; border-radius: 14px; background: var(--gold); color: var(--navy); display: grid; place-items: center; }
.popup-icon .icon { width: 26px; height: 26px; }
.popup-text { color: var(--muted); font-size: .95rem; margin-bottom: 16px; }
.popup .form-grid { gap: 10px 12px; margin-bottom: 14px; }
.popup .field input, .popup .field select, .popup .field textarea { padding: 10px 12px; }
.popup-dismiss { display: block; margin: 10px auto 0; background: none; border: 0; color: var(--muted); font-size: .88rem; text-decoration: underline; cursor: pointer; padding: 6px 10px; }
.popup-dismiss:hover { color: var(--navy); }
@media (max-width: 600px) {
  .popup { width: 100vw; max-width: 100vw; max-height: 92vh; max-height: 92dvh; margin: auto 0 0; border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
  .popup-inner { padding: 22px 18px 16px; }
  .popup[open] { animation-name: sheetIn; }
  @keyframes sheetIn { from { transform: translateY(100%); } to { transform: none; } }
}
body.popup-open { overflow: hidden; }