/* ==========================================================================
   Claim Surplus Refund Organization
   Shared design system — all pages
   ========================================================================== */

:root {
  /* ---- Light, warm, clean ---- */
  /* Blue + violet + grey on white. Two accents, used for different jobs:
     blue carries action, violet carries emphasis. */
  --paper:   #FCFCFE;
  --white:   #FFFFFF;
  --tint:    #F1F5FB;   /* cool blue band */
  --tint-v:  #F6F3FC;   /* violet band */
  --navy:    #1E2749;   /* headings: deep indigo, the bridge between the two accents */
  --navy-dk: #141A33;
  --blue:    #25A9E0;   /* the brand blue. As a fill it needs DARK text (5.43:1),
                           never white (2.68:1). */
  --blue-dk: #1B93C6;   /* hover fill */
  --blue-text:#0E76A4;  /* the same hue darkened for links and eyebrows: 5.07:1 on white */
  --brand:   #25A9E0;
  --brand-dk:#1B93C6;
  --brand-tint:#E7F5FC;
  --violet:  #6B3FA0;   /* accent: 7.38:1 on white */
  --violet-lt:#A87FD1;  /* decorative only */
  --violet-tint:#F0E9F9;
  --amber:   #6B3FA0;   /* legacy alias, now violet */
  --accent:  #6B3FA0;   /* eyebrows on light: violet, 7.38:1 */
  --accent-ice:#7FCDEE;  /* light brand blue for dark panels: 8.2:1 on navy */
  --ink:     #1B2333;
  --ink-2:   #4A5566;
  --ink-3:   #5C6675;
  --line:    #E4E8F0;
  --line-2:  #CFD6E2;
  --err:     #A3261E;
  --ok:      #14663D;

  --s1: 8px; --s2: 16px; --s3: 24px; --s4: 40px;
  --s5: 64px; --s6: 96px; --s7: 128px;
  --section-y: var(--s7);

  --t-label: 12px;
  --t-xs:    13px;
  --t-sm:    15px;
  --t-body:  17px;
  --t-lede:  clamp(17px, 1.3vw, 19px);
  --t-h4:    18px;
  --t-h3:    clamp(19px, 1.7vw, 22px);
  --t-h2:    clamp(28px, 3vw, 40px);
  --t-h1:    clamp(33px, 4vw, 50px);
  --t-hero:  clamp(28px, 3.35vw, 46px);
  --t-num:   clamp(38px, 3.8vw, 52px);

  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans:  "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;

  --r-btn: 8px;
  --r-img: 20px;
  --r-card: 14px;
  --r-pill: 999px;

  --ease: cubic-bezier(.22,.61,.36,1);
  --shadow-sm: 0 1px 2px rgba(18,37,63,.05), 0 6px 18px rgba(18,37,63,.06);
  --shadow-md: 0 18px 44px rgba(18,37,63,.10);
  --shadow-card: 0 2px 6px rgba(18,37,63,.06), 0 22px 50px rgba(18,37,63,.13);
  --shadow-pill: 0 1px 3px rgba(18,37,63,.06), 0 10px 30px rgba(18,37,63,.10);
  --header-h: 76px;
  --nav-h: 66px;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--sans); font-size: var(--t-body); line-height: 1.62;
  -webkit-font-smoothing: antialiased; overflow-x: hidden;
}
img { max-width: 100%; display: block; }
p, ul, ol, dl, dd, figure { margin: 0; padding: 0; }
li { list-style: none; }
button { font: inherit; color: inherit; }
a { color: var(--blue-text); }

/* ---- Headings: one consistent voice ---- */
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); font-weight: 600; margin: 0; }
h1 { font-size: var(--t-h1); line-height: 1.08; letter-spacing: -.03em; text-wrap: balance; }
h2 { font-size: var(--t-h2); line-height: 1.14; letter-spacing: -.022em; text-wrap: balance; }
h3 { font-size: var(--t-h3); line-height: 1.24; letter-spacing: -.015em; }
h4 { font-size: var(--t-h4); line-height: 1.3;  letter-spacing: -.01em; }

.eyebrow {
  font-family: var(--sans);
  font-size: var(--t-label); font-weight: 600;
  letter-spacing: .15em; text-transform: uppercase;
  color: var(--accent); margin-bottom: var(--s2);
}
.eyebrow-light { color: var(--accent-ice); }

.lede { font-size: var(--t-lede); line-height: 1.55; color: var(--ink-2); max-width: 54ch; }
.prose { max-width: 62ch; color: var(--ink-2); }
.prose p + p { margin-top: var(--s3); }
.measure { max-width: 62ch; }

/* ---- Accessibility ---- */
.visually-hidden {
  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: var(--s2); top: -70px; z-index: 300;
  background: var(--navy); color: #fff; padding: 12px var(--s3);
  border-radius: var(--r-btn); text-decoration: none; font-weight: 600;
  transition: top .18s var(--ease);
}
.skip-link:focus { top: var(--s2); }
:focus-visible { outline: 3px solid var(--brand); outline-offset: 3px; border-radius: 4px; }
.on-navy :focus-visible, .cta-band :focus-visible, .site-footer :focus-visible { outline-color: #fff; }

/* ---- Layout ---- */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 var(--s3); }
/* Narrow sections keep the site's single left edge and simply cap
   their content width, so every section aligns on the same axis. */
.container.narrow > * { max-width: 820px; }
.section { padding: var(--section-y) 0; }
.section-sm { padding: var(--s6) 0; }
.bg-tint  { background: var(--tint); }
.bg-violet { background: var(--tint-v); }
.bg-white { background: var(--white); }
.bg-navy  { background: var(--navy-dk); color: rgba(255,255,255,.82); }
.bg-navy h2, .bg-navy h3 { color: #fff; }

.section-head { max-width: 640px; margin-bottom: var(--s5); }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head .lede { margin-top: var(--s3); }
.hairline { height: 1px; background: var(--line); border: 0; margin: 0; }

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 11px 20px; border: 1px solid transparent; border-radius: var(--r-btn);
  font-size: 14.5px; font-weight: 600; line-height: 1.25; letter-spacing: -.005em;
  text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: background-color .18s var(--ease), border-color .18s var(--ease), color .18s var(--ease);
}
.btn-lg { padding: 13px 24px; font-size: 15px; }
.btn-sm { padding: 9px 16px; font-size: 13.5px; }
.btn-block { width: 100%; }
.btn-primary { background: var(--blue); color: #fff; border-color: var(--blue); }
.btn-primary:hover { background: var(--blue-dk); border-color: var(--blue-dk); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--line-2); }
.btn-outline:hover { border-color: var(--navy); background: rgba(11,37,69,.04); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.42); }
.btn-ghost:hover { background: rgba(255,255,255,.12); border-color: #fff; }
.btn-gold { background: #fff; color: var(--navy-dk); border-color: #fff; }
.btn-gold:hover { background: var(--accent-ice); border-color: var(--accent-ice); color: var(--navy-dk); }
.icon { width: 17px; height: 17px; flex: none; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: var(--t-sm); text-decoration: none; color: var(--blue-text);
  transition: color .16s var(--ease);
}
.link-arrow svg { width: 15px; height: 15px; transition: transform .18s var(--ease); }
.link-arrow:hover { color: var(--violet); }
.link-arrow:hover svg { transform: translateX(4px); }

/* Inline links: a quiet, properly-offset underline that only changes colour. */
.tel-link, .mail-link, .prose a, .acc-inner a {
  color: var(--blue-text); font-weight: 600; text-decoration: underline;
  text-decoration-thickness: 1px; text-underline-offset: 3px;
  text-decoration-color: rgba(14,118,164,.35);
  transition: color .16s var(--ease), text-decoration-color .16s var(--ease);
}
.tel-link:hover, .mail-link:hover, .prose a:hover, .acc-inner a:hover {
  color: var(--violet); text-decoration-color: currentColor;
}

/* ==========================================================================
   HEADER — logo left, nav links in a centred glass pill, actions right
   ========================================================================== */
.site-header { position: fixed; inset: var(--s3) 0 auto; z-index: 100; }
.site-header > .container { display: flex; }
.mobile-menu .container { display: block; }
/* One floating glass capsule carries the whole header. Three loose clusters on bare
   paper read as unfinished, and a white pill on a near-white page has no presence.
   A dark surface gives the nav weight, bookends the navy footer, and means page
   content can never bleed through behind the logo on scroll. */
.nav {
  flex: 1; display: grid; grid-template-columns: 1fr auto 1fr; align-items: center;
  gap: var(--s3); height: var(--nav-h); padding: 0 16px 0 22px;
  border-radius: var(--r-pill);
  /* A flat fill reads as a slab. Glass needs the surface to catch light unevenly:
     the top stop is lighter and bluer, the bottom nearly opaque, with a specular
     hairline inside the top edge. High saturate() keeps the brand blue alive
     through the blur instead of letting the white page grey it out. */
  position: relative;
  background: linear-gradient(180deg,
    rgba(34,45,86,.85) 0%,
    rgba(20,27,54,.91) 58%,
    rgba(13,18,38,.945) 100%);
  backdrop-filter: saturate(200%) blur(26px);
  -webkit-backdrop-filter: saturate(200%) blur(26px);
  border: 1px solid rgba(255,255,255,.13);
  box-shadow:
    0 24px 50px -28px rgba(8,13,30,.62),
    0 3px 12px -6px rgba(8,13,30,.4),
    inset 0 1px 0 rgba(255,255,255,.17),
    inset 0 -1px 0 rgba(255,255,255,.045);
  transition: background-color .25s var(--ease), box-shadow .25s var(--ease), height .25s var(--ease);
}
/* Scrolled, the capsule only firms up and tightens. */
.site-header.is-stuck .nav {
  height: calc(var(--nav-h) - 6px);
  background: linear-gradient(180deg,
    rgba(28,36,70,.90) 0%,
    rgba(15,20,40,.95) 58%,
    rgba(11,15,32,.97) 100%);
  box-shadow:
    0 20px 40px -24px rgba(8,13,30,.68),
    0 3px 12px -6px rgba(8,13,30,.45),
    inset 0 1px 0 rgba(255,255,255,.15),
    inset 0 -1px 0 rgba(255,255,255,.04);
}
.nav-links { display: flex; gap: 2px; justify-self: center; }
.nav-links a {
  color: rgba(255,255,255,.70); text-decoration: none; font-size: var(--t-sm); font-weight: 500;
  padding: 9px 15px; border-radius: var(--r-pill); white-space: nowrap;
  transition: color .16s var(--ease), background-color .16s var(--ease);
}
.nav-links a:hover { color: #fff; background: rgba(255,255,255,.09); }
.nav-links a[aria-current="page"] { color: #fff; font-weight: 600; background: rgba(255,255,255,.12); }

.wordmark { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; flex: none; }
.wordmark .wm-icon { height: 36px; width: auto; display: block; flex: none; }
.wordmark .wm-text { height: 24px; width: auto; display: block; flex: none; }
/* The wordmark sits on navy in both the header capsule and the footer, so flip the
   dark lettering to white in both places. */
.site-header .wordmark .wm-text,
.footer-brand .wordmark .wm-text { filter: brightness(0) invert(1); }


.nav-right { display: flex; align-items: center; gap: var(--s3); justify-self: end; }
.nav-phone {
  display: inline-flex; align-items: center; gap: 8px; text-decoration: none;
  color: var(--navy); font-weight: 600; font-size: var(--t-sm); transition: color .16s var(--ease);
}
.site-header .nav-phone { color: #fff; }
.nav-phone .icon { color: var(--blue); }
.site-header .nav-phone:hover { color: var(--blue); }

.nav-phone-mini, .nav-toggle {
  display: none; width: 42px; height: 42px; flex: none;
  align-items: center; justify-content: center; border-radius: var(--r-pill);
  border: 1px solid var(--line-2); background: transparent; cursor: pointer; color: var(--navy);
  transition: background-color .16s var(--ease), border-color .16s var(--ease);
}
.site-header .nav-phone-mini, .site-header .nav-toggle { color: #fff; border-color: rgba(255,255,255,.24); }
.site-header .nav-phone-mini { color: var(--blue); border-color: rgba(37,169,224,.55); }
.site-header .nav-phone-mini:hover, .site-header .nav-toggle:hover { background: rgba(255,255,255,.10); border-color: rgba(255,255,255,.45); }
.nav-phone-mini .icon { width: 18px; height: 18px; }
.nav-phone-mini:hover { background: var(--brand-tint); }
.nav-toggle:hover { border-color: var(--navy); }
.nav-toggle-bars { display: block; width: 17px; }
.nav-toggle-bars span { display: block; height: 1.5px; background: currentColor; border-radius: 2px; transition: transform .22s var(--ease); }
.nav-toggle-bars span + span { margin-top: 5px; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:first-child { transform: translateY(3.2px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:last-child { transform: translateY(-3.2px) rotate(-45deg); }

.mobile-menu { margin: var(--s2) var(--s3) 0; padding: var(--s3); background: #fff; border-radius: 20px; box-shadow: var(--shadow-pill); }
.mobile-menu[hidden] { display: none; }
.mobile-menu li + li { border-top: 1px solid var(--line); }
.mobile-menu a.m-link { display: block; padding: 14px 0; color: var(--ink); text-decoration: none; font-weight: 500; }
.mobile-menu a.m-link[aria-current="page"] { color: var(--blue-text); font-weight: 600; }
.mobile-menu .btn { margin-top: var(--s3); }
.m-phone { display: block; text-align: center; margin-top: var(--s2); padding: 12px; font-weight: 600; color: var(--navy) !important; text-decoration: none; }

/* ==========================================================================
   HOME HERO — copy left, photograph right, tool card overlapping
   ========================================================================== */
.hero { padding: calc(var(--header-h) + var(--s6)) 0 var(--s6); }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(var(--s4), 5vw, var(--s6)); align-items: center; }
.hero-title {
  font-size: var(--t-hero); line-height: 1.08; letter-spacing: -.032em;
  color: var(--navy); margin-top: var(--s2); text-wrap: initial;
}
.hero-title .l { display: block; }
.hero-sub { margin-top: var(--s3); font-size: var(--t-lede); line-height: 1.6; color: var(--ink-2); max-width: 44ch; }
.hero-actions { margin-top: var(--s4); display: flex; flex-wrap: wrap; gap: var(--s2); }
.hero-trust { margin-top: var(--s5); padding-top: var(--s3); border-top: 1px solid var(--line); }
.hero-trust ul { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 0; }
.hero-trust li { font-size: 14px; color: var(--ink-2); padding-right: var(--s2); }
.hero-trust li:last-child { padding-right: 0; }
.hero-trust li + li { padding-left: var(--s2); border-left: 1px solid var(--line-2); }

.hero-figure { position: relative; }
.hero-figure > img {
  width: 100%; height: auto; aspect-ratio: 5 / 6; max-height: 620px; object-fit: cover;
  border-radius: var(--r-img); box-shadow: var(--shadow-card);
}

/* --- The statement: a live county payout ledger --- */
.est-wrap { max-width: 720px; margin: 0 auto; }
.ledger {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-card);
  box-shadow: var(--shadow-card); position: relative; overflow: hidden;
}
.ledger-head {
  display: flex; align-items: baseline; gap: var(--s2); flex-wrap: wrap;
  padding: var(--s4) clamp(var(--s3), 3vw, var(--s4)) var(--s3);
  border-bottom: 1px solid var(--line);
}
.ledger-head h2 { font-size: 20px; letter-spacing: -.015em; margin: 0; }
.ledger-head .lg-tag {
  margin-left: auto; font-size: 11px; letter-spacing: .14em; text-transform: uppercase;
  color: var(--violet); font-weight: 700;
}
.ledger-body { padding: var(--s2) clamp(var(--s3), 3vw, var(--s4)) var(--s3); }

.lg-row {
  display: grid; grid-template-columns: 1fr 190px; gap: var(--s3);
  align-items: center; padding: var(--s3) 0;
}
.lg-row + .lg-row { border-top: 1px solid var(--line); }
.lg-key { font-size: 14px; color: var(--ink-3); line-height: 1.45; }
.lg-key b { display: block; font-weight: 600; color: var(--navy); font-size: 16px; margin-bottom: 2px; line-height: 1.3; }
.lg-input { position: relative; display: flex; align-items: center; width: 100%; }
.lg-input > span { position: absolute; left: 13px; color: var(--ink-3); font-size: 16px; pointer-events: none; }
.lg-input input {
  width: 100%; padding: 12px 14px 12px 28px; font: inherit; font-size: 17px; font-weight: 600;
  color: var(--navy); text-align: right; font-variant-numeric: tabular-nums;
  background: var(--paper); border: 1.5px solid var(--line-2); border-radius: 8px;
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease), background-color .18s var(--ease);
}
.lg-input input:hover { border-color: var(--ink-3); }
.lg-input input:focus { outline: none; background: #fff; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,169,224,.22); }

.lg-split { margin-top: var(--s3); }
.lg-bar { display: flex; gap: 3px; height: 10px; border-radius: 999px; overflow: hidden; }
.lg-bar > span { display: block; transition: flex-basis .45s var(--ease); }
.lg-bar .lg-debt { flex: 0 0 71.43%; background: var(--line-2); }
.lg-bar .lg-surplus { flex: 1 1 auto; background: var(--blue); }
.lg-legend { display: flex; justify-content: space-between; gap: var(--s2); margin-top: 10px; font-size: 13px; color: var(--ink-3); }

.lg-total {
  display: flex; align-items: center; justify-content: space-between; gap: var(--s3);
  margin: var(--s3) 0 0; padding: var(--s3) clamp(var(--s3), 3vw, var(--s4));
  background: var(--navy); color: #fff;
  margin-left: calc(clamp(var(--s3), 3vw, var(--s4)) * -1);
  margin-right: calc(clamp(var(--s3), 3vw, var(--s4)) * -1);
}
.lg-total dt {
  font-size: 12px; letter-spacing: .1em; text-transform: uppercase;
  color: var(--accent-ice); font-weight: 600; line-height: 1.4; max-width: 24ch;
}
.lg-total dd {
  font-family: var(--serif); font-size: clamp(32px, 4vw, 44px); line-height: 1;
  letter-spacing: -.035em; font-variant-numeric: tabular-nums; text-align: right; white-space: nowrap;
}
.lg-msg { padding: var(--s3) clamp(var(--s3), 3vw, var(--s4)); font-size: 13.5px; color: var(--ink-3); line-height: 1.6; }
.lg-msg a { color: var(--blue-text); font-weight: 600; }

/* Stacked layout once the two-column row would squeeze the labels */
@media (max-width: 700px) {
  .lg-row { grid-template-columns: 1fr; gap: 10px; padding: var(--s3) 0; }
  .lg-key b { font-size: 15.5px; }
  .lg-input input { font-size: 16px; text-align: left; padding-left: 28px; }
  .lg-total { flex-direction: column; align-items: flex-start; gap: 6px; }
  .lg-total dt { max-width: none; letter-spacing: .08em; }
  .lg-total dd { text-align: left; font-size: 38px; }
}

/* ==========================================================================
   PAGE HERO — inner pages, light
   ========================================================================== */
.page-hero { background: var(--white); border-bottom: 1px solid var(--line); padding: calc(var(--header-h) + var(--s5)) 0 var(--s5); }
.page-hero .lede { margin-top: var(--s3); }
.crumb { font-size: var(--t-xs); color: var(--ink-3); margin-bottom: var(--s3); }
.crumb a { color: var(--ink-3); text-decoration: none; }
.crumb a:hover { color: var(--blue-text); }
.crumb span { margin: 0 8px; color: var(--ink-3); }

/* ==========================================================================
   STEPS — editorial numbered rows
   ========================================================================== */
.steps { border-top: 1px solid var(--line); }
.step {
  display: grid; grid-template-columns: 74px minmax(180px, 240px) 1fr; gap: var(--s4);
  padding: var(--s4) 0; border-bottom: 1px solid var(--line); align-items: start;
}
.step-n {
  font-family: var(--serif); font-size: 34px; line-height: 1; color: var(--accent);
  letter-spacing: -.03em; font-variant-numeric: tabular-nums;
}
.step h3 { padding-top: 4px; }
.step-body { color: var(--ink-2); }
.step-body p + p { margin-top: var(--s2); }
.step-body p { max-width: 62ch; }
.step-meta { margin-top: var(--s2); font-size: var(--t-xs); color: var(--ink-3); }

/* Process page: sticky heading + deep steps */
.sticky-split { display: grid; grid-template-columns: 360px 1fr; gap: clamp(var(--s4), 6vw, var(--s6)); align-items: start; }
.sticky-col { position: sticky; top: calc(var(--header-h) + var(--s4)); }
.deep-steps { display: grid; gap: var(--s5); }
.deep-step { display: grid; grid-template-columns: 64px 1fr; gap: var(--s3); }
.deep-step .step-n { font-size: 40px; }
.deep-step h3 { margin-bottom: var(--s2); }
.deep-step .prose { max-width: 58ch; }
.deep-list { margin-top: var(--s3); display: grid; gap: 10px; }
.deep-list li { position: relative; padding-left: 26px; color: var(--ink-2); font-size: 16px; }
.deep-list li::before {
  content: ""; position: absolute; left: 4px; top: 9px; width: 6px; height: 6px;
  border-radius: 50%; background: var(--accent); opacity: .8;
}

/* ==========================================================================
   CARDS / GRIDS
   ========================================================================== */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s4); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s3); }

.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-card);
  padding: var(--s4) var(--s3);
}
.card h3 { margin-bottom: 10px; }
.card p { color: var(--ink-2); font-size: 16px; }

.principle { padding-top: var(--s3); border-top: 1px solid var(--line-2); }
.principle h3 { margin-bottom: 10px; }
.principle p { color: var(--ink-2); font-size: 16px; }

.rule-list { display: grid; gap: var(--s3); }
.rule-list li { padding-left: var(--s3); border-left: 2px solid var(--accent-ice); }
.rule-list.terra li { border-left-color: var(--accent); }
.rule-list h3 { font-size: var(--t-h4); margin-bottom: 5px; }
.rule-list p { color: var(--ink-2); font-size: 16px; max-width: 54ch; }

/* Split text + image */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(var(--s4), 5vw, var(--s6)); align-items: center; }
.split-rev .split-text { order: 2; }
.split-figure img {
  width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover;
  border-radius: var(--r-img); box-shadow: var(--shadow-md);
}
.split-figure figcaption { margin-top: var(--s2); font-size: var(--t-xs); color: var(--ink-3); }

/* Facts band */
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s4); }
.fact dt { font-family: var(--serif); font-size: var(--t-num); line-height: 1; color: var(--navy); letter-spacing: -.03em; }
.bg-navy .fact dt { color: var(--accent-ice); }
.fact dd { margin-top: 10px; color: var(--ink-2); font-size: 16px; max-width: 30ch; }
.bg-navy .fact dd { color: rgba(255,255,255,.75); }

/* ==========================================================================
   ACCORDION
   ========================================================================== */
.faq-group + .faq-group { margin-top: var(--s6); }
/* Category label — must not be mistaken for a question. */
.faq-group > h2 {
  font-family: var(--sans); font-size: var(--t-label); font-weight: 600;
  letter-spacing: .15em; text-transform: uppercase; color: var(--ink-3);
  margin-bottom: var(--s2);
}
.accordion { border-top: 1px solid var(--line-2); }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-item h3 { font-size: inherit; }
.acc-trigger {
  width: 100%; display: flex; align-items: flex-start; justify-content: space-between; gap: var(--s3);
  background: none; border: 0; cursor: pointer; text-align: left; padding: var(--s3) 0;
  font-family: var(--serif); font-size: var(--t-h3); font-weight: 500; color: var(--navy);
  letter-spacing: -.015em; line-height: 1.3; transition: color .18s var(--ease);
}
.acc-trigger:hover { color: var(--brand); }
.acc-icon { position: relative; width: 18px; height: 18px; flex: none; margin-top: 5px; }
.acc-icon::before, .acc-icon::after {
  content: ""; position: absolute; background: currentColor; border-radius: 2px;
  transition: transform .25s var(--ease), opacity .25s var(--ease);
}
.acc-icon::before { inset: 8px 0; height: 2px; }
.acc-icon::after  { inset: 0 8px; width: 2px; }
.acc-trigger[aria-expanded="true"] .acc-icon::after { transform: scaleY(0); opacity: 0; }
.acc-panel { overflow: hidden; }
.acc-panel[hidden] { display: none; }
.acc-anim { transition: height .25s var(--ease); }
.acc-inner { padding-bottom: var(--s4); max-width: 66ch; color: var(--ink-2); }
.acc-inner p + p { margin-top: var(--s3); }

/* ==========================================================================
   FORM
   ========================================================================== */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-img); padding: clamp(var(--s3), 3vw, var(--s4)); box-shadow: var(--shadow-sm); }
.form { display: grid; gap: var(--s3); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s3); }
.field label { display: block; font-size: 14.5px; font-weight: 600; color: var(--navy); margin-bottom: 7px; }
.optional { font-weight: 400; color: var(--ink-3); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 14px; font: inherit; font-size: 16px; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--line-2); border-radius: var(--r-btn);
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.field textarea { resize: vertical; min-height: 110px; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--ink-3); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,169,224,.22);
}
.hint { font-size: var(--t-xs); color: var(--ink-3); margin-top: 6px; }
.err { font-size: var(--t-xs); color: var(--err); margin-top: 6px; font-weight: 500; }
.field.has-error input, .field.has-error select { border-color: var(--err); }
.form-note { font-size: var(--t-xs); color: var(--ink-3); text-align: center; }
.form-status { font-size: var(--t-sm); font-weight: 600; text-align: center; }
.form-status.bad { color: var(--err); } .form-status.ok { color: var(--ok); }

.contact-card {
  display: block; padding: var(--s3); background: var(--white);
  border: 1px solid var(--line); border-radius: var(--r-card); text-decoration: none;
  transition: border-color .18s var(--ease), background-color .18s var(--ease);
}
.contact-card + .contact-card { margin-top: var(--s2); }
.contact-card:hover { border-color: var(--brand); background: var(--brand-tint); }
.c-label { display: block; font-size: var(--t-label); letter-spacing: .13em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; }
.c-value { display: block; font-family: var(--sans); font-size: 21px; font-weight: 600; color: var(--navy); margin: 5px 0 3px; letter-spacing: -.01em; font-variant-numeric: tabular-nums; word-break: break-word; }
.c-note { display: block; font-size: 14px; color: var(--ink-3); }

/* ==========================================================================
   CTA BAND
   ========================================================================== */
.cta-band { position: relative; overflow: hidden; isolation: isolate; padding: var(--s7) 0; text-align: center; }
.cta-band img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 55%; z-index: -2; }
/* The dusk photograph is already dark, so this only needs to steady the text,
   not bury the image. Measured at 15.5:1 with the old heavy scrim. */
.cta-scrim { position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(6,21,36,.34), rgba(6,21,36,.52)); }
.cta-band h2 { color: #fff; max-width: 22ch; margin: 0 auto; }
.cta-band p { color: rgba(255,255,255,.92); max-width: 54ch; margin: var(--s3) auto 0; }
.cta-actions { margin-top: var(--s4); display: flex; flex-wrap: wrap; gap: var(--s2); justify-content: center; }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer { background: var(--navy-dk); color: rgba(255,255,255,.74); padding: var(--s6) 0 var(--s4); font-size: var(--t-sm); }
.footer-top { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: var(--s5); padding-bottom: var(--s5); border-bottom: 1px solid rgba(255,255,255,.14); }
.footer-brand .wordmark { color: #fff; }
.footer-brand .mark { color: var(--accent-ice); }
.footer-brand .wordmark-org { color: rgba(255,255,255,.55); }
.footer-blurb { margin-top: var(--s3); max-width: 38ch; color: rgba(255,255,255,.7); }
.site-footer h2 { font-family: var(--sans); font-size: var(--t-label); letter-spacing: .15em; text-transform: uppercase; color: rgba(255,255,255,.55); font-weight: 600; margin-bottom: var(--s3); }
.footer-nav a { display: inline-block; padding: 9px 0; color: rgba(255,255,255,.78); text-decoration: none; transition: color .16s var(--ease); }
.footer-nav a:hover { color: #fff; }
.footer-nav a[aria-current="page"] { color: #fff; font-weight: 600; }
.footer-phone { display: block; font-family: var(--sans); font-size: 24px; font-weight: 600; color: var(--accent-ice); text-decoration: none; letter-spacing: -.01em; font-variant-numeric: tabular-nums; transition: opacity .16s var(--ease); }
.footer-phone:hover { opacity: .78; }
.footer-mail { display: inline-block; margin-top: 10px; padding: 7px 0; color: rgba(255,255,255,.8); text-decoration: none; word-break: break-word; }
.footer-mail:hover { color: #fff; }
/* Carriers reviewing A2P registration look for a physical address on the site
   itself, not only inside the policy pages. */
.footer-addr { display: block; margin-top: 12px; font-style: normal; font-size: 14px; line-height: 1.55; color: rgba(255,255,255,.58); }
.mobile-menu a.m-link:hover { color: var(--brand); }
.footer-hours { margin-top: var(--s2); font-size: 14px; color: rgba(255,255,255,.55); }
.footer-legal { padding-top: var(--s4); font-size: var(--t-xs); line-height: 1.62; color: rgba(255,255,255,.52); }
.footer-legal p { max-width: 96ch; }
.footer-legal p + p { margin-top: var(--s2); }
.copyright { margin-top: var(--s3) !important; color: rgba(255,255,255,.68); }

/* ==========================================================================
   MOTION
   ========================================================================== */
.reveal { opacity: 0; transform: translateY(14px); }
.js-ready .reveal { transition: opacity .55s var(--ease), transform .55s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
html:not(.js-ready) .reveal { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
  .hero-media img { animation: none !important; transform: none !important; }
}

/* ==========================================================================
   SIGNATURE COMPONENTS
   ========================================================================== */

/* --- Live surplus estimator --- */
.est { display: grid; grid-template-columns: 1fr 1.15fr; gap: clamp(var(--s4), 4vw, var(--s5)); align-items: start; }
.est-form { background: #fff; border: 1px solid var(--line); border-radius: var(--r-img); padding: clamp(var(--s3), 3vw, var(--s4)); box-shadow: var(--shadow-sm); }
.est-field + .est-field { margin-top: var(--s3); }
.est-field label { display: block; font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 7px; }
.est-input { position: relative; display: flex; align-items: center; }
.est-input > span { position: absolute; left: 14px; color: var(--ink-3); font-size: 17px; pointer-events: none; }
.est-input input {
  width: 100%; padding: 13px 14px 13px 30px; font: inherit; font-size: 17px; color: var(--ink);
  background: #fff; border: 1.5px solid var(--line-2); border-radius: var(--r-btn);
  font-variant-numeric: tabular-nums;
  transition: border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.est-input input:hover { border-color: var(--ink-3); }
.est-input input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,169,224,.22); }
.est-hint { font-size: var(--t-xs); color: var(--ink-3); margin-top: 7px; }
.est-note { margin-top: var(--s3); padding-top: var(--s3); border-top: 1px solid var(--line); font-size: var(--t-xs); color: var(--ink-3); line-height: 1.6; }

.est-out { background: var(--navy); border-radius: var(--r-img); padding: clamp(var(--s3), 3vw, var(--s4)); }
.est-headline { display: flex; align-items: baseline; justify-content: space-between; gap: var(--s2); flex-wrap: wrap; }
.wf-label { font-size: var(--t-label); letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.66); font-weight: 600; }
.wf-total { font-family: var(--serif); font-size: clamp(24px, 2.4vw, 32px); line-height: 1; color: #fff; letter-spacing: -.03em; font-variant-numeric: tabular-nums; }

.wf-bar { display: flex; gap: 3px; height: 56px; margin-top: var(--s3); border-radius: 6px; overflow: hidden; }
.wf-seg { position: relative; display: flex; align-items: center; padding: 0 var(--s3); overflow: hidden; transition: flex-basis .45s var(--ease); }
.wf-seg span { font-size: var(--t-xs); letter-spacing: .1em; text-transform: uppercase; font-weight: 600; white-space: nowrap; }
.wf-debt { flex: 0 0 71.43%; background: rgba(255,255,255,.15); }
.wf-debt span { color: rgba(255,255,255,.78); }
.wf-surplus { flex: 1 1 auto; background: var(--accent-ice); }
.wf-surplus span { color: var(--navy-dk); }

.est-result { margin-top: var(--s4); padding-top: var(--s4); border-top: 1px solid rgba(255,255,255,.18); }
.est-result dt { font-size: var(--t-label); letter-spacing: .16em; text-transform: uppercase; color: var(--accent-ice); font-weight: 600; margin-bottom: var(--s1); }
.est-result dd { font-family: var(--serif); font-size: clamp(44px, 5.6vw, 72px); line-height: .95; color: #fff; letter-spacing: -.04em; font-variant-numeric: tabular-nums; }
.est-msg { margin-top: var(--s2); font-size: var(--t-sm); color: rgba(255,255,255,.76); max-width: 46ch; line-height: 1.55; }
.est-cta { margin-top: var(--s4); }
.est-cta .btn-primary { background: #fff; border-color: #fff; color: var(--navy); }
.est-cta .btn-primary:hover { background: var(--accent-ice); border-color: var(--accent-ice); }

/* --- Horizontal process stepper --- */
.stepper-track { display: grid; grid-template-columns: repeat(4, 1fr); position: relative; margin-bottom: var(--s5); }
.stepper-track::before { content: ""; position: absolute; left: 0; right: 0; top: 13px; height: 2px; background: var(--line); }
.stepper-btn { position: relative; background: none; border: 0; cursor: pointer; text-align: left; padding: 0 var(--s3) 0 0; display: block; }
.stepper-dot {
  width: 28px; height: 28px; border-radius: 50%; background: var(--paper);
  border: 2px solid var(--line-2); display: grid; place-items: center;
  font-size: 12px; font-weight: 700; color: var(--ink-3); position: relative; z-index: 1;
  transition: background-color .2s var(--ease), border-color .2s var(--ease), color .2s var(--ease);
}
.bg-tint .stepper-dot { background: var(--tint); }
.bg-white .stepper-dot { background: #fff; }
.stepper-btn[aria-selected="true"] .stepper-dot { background: var(--navy); border-color: var(--navy); color: #fff; }
.stepper-btn:hover .stepper-dot { border-color: var(--navy); }
.stepper-label { display: block; margin-top: var(--s2); font-size: var(--t-sm); font-weight: 600; color: var(--ink-3); max-width: 20ch; transition: color .2s var(--ease); }
.stepper-btn[aria-selected="true"] .stepper-label { color: var(--navy); }

.stepper-panel { background: var(--tint); border: 1px solid var(--line); border-radius: var(--r-img); padding: clamp(var(--s3), 3vw, var(--s5)); }
.bg-tint .stepper-panel { background: #fff; }
.stepper-panel[hidden] { display: none; }
.sp-eyebrow { font-size: var(--t-label); letter-spacing: .16em; text-transform: uppercase; color: var(--blue-text); font-weight: 600; margin-bottom: var(--s2); }
.stepper-panel h3 { margin-bottom: var(--s2); }
.stepper-panel > p { color: var(--ink-2); max-width: 62ch; }
.sp-meta { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s3); margin-top: var(--s4); padding-top: var(--s3); border-top: 1px solid var(--line); }
.sp-meta dt { font-size: var(--t-label); letter-spacing: .13em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; margin-bottom: 6px; }
.sp-meta dd { font-size: var(--t-sm); color: var(--ink-2); }

/* --- Oversized display statement --- */
.statement { font-family: var(--serif); font-weight: 400; font-size: clamp(28px, 3.6vw, 50px); line-height: 1.14; letter-spacing: -.028em; color: var(--navy); max-width: 19ch; }
.statement em { font-style: italic; color: var(--violet); }

/* --- Ruled index grid --- */
.rail { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border-top: 1px solid var(--line); }
.rail > * { padding: var(--s4) var(--s4) var(--s4) 0; border-bottom: 1px solid var(--line); }
.rail > *:nth-child(odd) { border-right: 1px solid var(--line); }
.rail > *:nth-child(even) { padding-left: var(--s4); }
.rail-n { display: block; font-family: var(--serif); font-size: 15px; letter-spacing: .1em; color: var(--violet); margin-bottom: var(--s2); }
.rail h3 { margin-bottom: 10px; }
.rail p { color: var(--ink-2); font-size: 16px; max-width: 46ch; }

/* --- Document panel --- */
.doc { border: 1px solid var(--line-2); background: var(--white); padding: clamp(var(--s3), 3vw, var(--s5)); position: relative; }
.doc::before { content: ""; position: absolute; inset: 7px; border: 1px solid var(--line); pointer-events: none; }
.doc-head { display: flex; align-items: baseline; gap: var(--s3); flex-wrap: wrap; padding-bottom: var(--s3); border-bottom: 1px solid var(--line); margin-bottom: var(--s4); }
.doc-head h3 { font-size: var(--t-h3); }
.doc-head .doc-tag { margin-left: auto; font-size: var(--t-label); letter-spacing: .16em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; }
.doc-list { display: grid; gap: var(--s3); counter-reset: d; }
.doc-list li { display: grid; grid-template-columns: 30px 1fr; gap: var(--s2); counter-increment: d; }
.doc-list li::before { content: counter(d, decimal-leading-zero); font-family: var(--serif); font-size: 14px; color: var(--violet); padding-top: 3px; }
.doc-list h4 { margin-bottom: 4px; }
.doc-list p { color: var(--ink-2); font-size: 16px; max-width: 60ch; }


/* --- Who this applies to: eligibility cases --- */
.cases { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--s3); }
.case {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-card);
  padding: var(--s3); display: flex; flex-direction: column; gap: 10px;
  transition: border-color .18s var(--ease), transform .18s var(--ease);
}
.case:hover { border-color: var(--line-2); }
.case-mark {
  width: 34px; height: 34px; border-radius: 8px; background: var(--violet-tint);
  display: grid; place-items: center; color: var(--violet); flex: none;
}
.case-mark svg { width: 18px; height: 18px; }
.case h3 { font-size: var(--t-h4); }
.case p { font-size: 15px; color: var(--ink-2); }
.case .case-note { margin-top: auto; padding-top: 10px; font-size: 13px; color: var(--ink-3); border-top: 1px solid var(--line); }

/* --- Deadline band: the honest urgency --- */
.deadline { background: var(--navy); color: rgba(255,255,255,.8); }
.deadline h2 { color: #fff; }
.deadline .lede { color: rgba(255,255,255,.78); }
.dl-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: clamp(var(--s4), 5vw, var(--s6)); align-items: center; }
.dl-scale { display: grid; gap: var(--s3); }
.dl-item { display: grid; grid-template-columns: 96px 1fr; gap: var(--s3); align-items: center; }
.dl-item dt { font-family: var(--serif); font-size: 18px; color: var(--accent-ice); letter-spacing: -.01em; }
.dl-track { height: 8px; border-radius: 999px; background: rgba(255,255,255,.14); overflow: hidden; }
.dl-fill { display: block; height: 100%; border-radius: 999px; background: var(--accent-ice); }
.dl-item dd { font-size: 13px; color: rgba(255,255,255,.66); margin-top: 7px; }

/* --- Comparison: with us vs alone --- */
.compare { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--line); border-radius: var(--r-img); overflow: hidden; background: #fff; }
.compare-col { padding: clamp(var(--s3), 3vw, var(--s4)); }
.compare-col + .compare-col { border-left: 1px solid var(--line); }
.compare-col.is-us { background: var(--brand-tint); }
.compare-head { padding-bottom: var(--s3); border-bottom: 1px solid var(--line); margin-bottom: var(--s3); }
.compare-head h3 { margin-bottom: 5px; }
.compare-head p { font-size: 13.5px; color: var(--ink-3); }
.compare ul { display: grid; gap: 12px; }
.compare li { position: relative; padding-left: 26px; font-size: 15px; color: var(--ink-2); }
.compare li svg { position: absolute; left: 0; top: 3px; width: 15px; height: 15px; }
.compare .yes svg { color: var(--blue-text); }
.compare .no svg { color: var(--ink-3); }

/* --- Warning signs --- */
.flags { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; border-top: 1px solid var(--line); }
.flags > div { display: grid; grid-template-columns: 26px 1fr; gap: var(--s2); padding: var(--s3) var(--s4) var(--s3) 0; border-bottom: 1px solid var(--line); }
.flags > div:nth-child(odd) { border-right: 1px solid var(--line); }
.flags > div:nth-child(even) { padding-left: var(--s4); }
.flags svg { width: 18px; height: 18px; color: var(--amber); margin-top: 2px; }
.flags h3 { font-size: var(--t-h4); margin-bottom: 4px; }
.flags p { font-size: 15px; color: var(--ink-2); }

/* --- FAQ preview --- */
.faq-preview { border-top: 1px solid var(--line-2); }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
/* Between the grid staying two-up and the copy column getting narrow, the
   trust row wraps and strands a divider. Stack it through that range. */
@media (min-width: 901px) and (max-width: 1140px) {
  .hero-trust ul { display: grid; gap: 10px; }
  .hero-trust li, .hero-trust li + li { padding: 0; border-left: 0; }
}

@media (max-width: 1080px) {
  .nav-links, .nav-phone { display: none; }
  /* With the links gone the middle grid column collapses and the logo gets
     only half the row. Fall back to a flex row so it keeps its natural width. */
  .nav { display: flex; justify-content: space-between; }
  .nav-right { justify-self: auto; }
  .nav-phone-mini, .nav-toggle { display: inline-flex; }
  .sticky-split { grid-template-columns: 1fr; }
  .sticky-col { position: static; }
  .est { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  :root { --section-y: var(--s6); }
  .hero { padding-top: calc(var(--header-h) + var(--s4)); }
  .hero-grid { grid-template-columns: 1fr; gap: var(--s5); }
  .hero-rule { margin: var(--s4) 0 var(--s4); }
  .cases { grid-template-columns: repeat(2, 1fr); }
  .dl-grid, .compare { grid-template-columns: 1fr; }
  .compare-col + .compare-col { border-left: 0; border-top: 1px solid var(--line); }
  .flags { grid-template-columns: 1fr; }
  .flags > div:nth-child(odd) { border-right: 0; }
  .flags > div:nth-child(even) { padding-left: 0; }
  .grid-2, .grid-3, .split, .facts { grid-template-columns: 1fr; gap: var(--s4); }
  .split-rev .split-text { order: 0; }
  .step { grid-template-columns: 56px 1fr; gap: var(--s3); }
  .step h3 { grid-column: 2; padding-top: 0; }
  .step-body { grid-column: 2; margin-top: var(--s2); }
  .footer-top { grid-template-columns: 1fr 1fr; gap: var(--s4); }
  .footer-brand { grid-column: 1 / -1; }
  .rail { grid-template-columns: 1fr; }
  .rail > *:nth-child(odd) { border-right: 0; }
  .rail > *:nth-child(even) { padding-left: 0; }
  .stepper-track { grid-template-columns: repeat(2, 1fr); row-gap: var(--s4); }
  .stepper-track::before { display: none; }
  .sp-meta { grid-template-columns: 1fr; gap: var(--s2); }
}

@media (max-width: 620px) {
  :root { --section-y: var(--s5); --header-h: 64px; --nav-h: 58px; }
  body { font-size: 16px; }
  /* Stack the trust row rather than let it wrap with a stranded divider. */
  .hero-trust ul { display: grid; gap: 10px; }
  .hero-trust li, .hero-trust li + li { padding: 0; border-left: 0; }
  .nav-right > .btn { display: none; }
  .nav-right { gap: var(--s1); }
  .nav { padding: 0 8px 0 var(--s2); gap: var(--s2); }
  .wordmark { gap: 8px; }
  .wordmark .wm-icon { height: 30px; }
  .wordmark .wm-text { height: 19px; }
  .hero-actions .btn { width: 100%; white-space: normal; }
  .btn-lg { font-size: 15px; padding: 14px var(--s3); }
  .est-out { padding: var(--s3); }
  .wf-bar { height: 46px; }
  .wf-seg { padding: 0 10px; }
  .wf-seg span { font-size: 9.5px; letter-spacing: .04em; white-space: normal; line-height: 1.3; }
  .stepper-track { grid-template-columns: 1fr; row-gap: var(--s3); }
  .cases { grid-template-columns: 1fr; }
  .dl-item { grid-template-columns: 74px 1fr; gap: var(--s2); }
  .field-row { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .cta-actions .btn { width: 100%; }
  .deep-step { grid-template-columns: 1fr; gap: var(--s2); }
  .doc::before { inset: 5px; }
  .doc-list li { grid-template-columns: 24px 1fr; }
}

/* ==========================================================================
   LEGAL PAGES
   ========================================================================== */
.legal { max-width: 74ch; }
.legal h2 { font-size: clamp(21px, 2vw, 26px); margin-top: var(--s5); margin-bottom: var(--s3); }
.legal h2:first-child { margin-top: 0; }
.legal h3 { font-size: var(--t-h4); margin-top: var(--s4); margin-bottom: var(--s2); }
.legal p { color: var(--ink-2); }
.legal p + p { margin-top: var(--s3); }
.legal ul { margin-top: var(--s3); display: grid; gap: 10px; }
.legal ul li { position: relative; padding-left: 22px; color: var(--ink-2); }
.legal ul li::before { content: ""; position: absolute; left: 4px; top: 10px; width: 5px; height: 5px; border-radius: 50%; background: var(--violet); }
.legal-updated { font-size: var(--t-sm); color: var(--ink-3); margin-bottom: var(--s4); }
.legal-quote {
  margin-top: var(--s3); padding: var(--s3); background: var(--tint);
  border-left: 3px solid var(--blue); border-radius: 0 8px 8px 0;
  font-size: 15.5px; color: var(--ink-2);
}
.legal-quote p + p { margin-top: var(--s2); }
.legal-contact { margin-top: var(--s4); border: 1px solid var(--line); border-radius: var(--r-card); padding: var(--s3); background: #fff; }
.legal-contact dl { display: grid; grid-template-columns: 150px 1fr; gap: 10px var(--s3); }
.legal-contact dt { font-size: var(--t-label); letter-spacing: .13em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; padding-top: 3px; }
.legal-contact dd { color: var(--ink); }
.todo { background: #FFF6E5; border: 1px solid #E8C983; border-radius: 6px; padding: 2px 8px; font-size: 13px; color: #7A5A10; font-weight: 600; }
@media (max-width: 620px) { .legal-contact dl { grid-template-columns: 1fr; gap: 4px; } .legal-contact dt { margin-top: var(--s2); } }

.footer-links { margin-bottom: var(--s3) !important; }
.footer-links a { color: rgba(255,255,255,.86); text-decoration: none; border-bottom: 1px solid rgba(255,255,255,.3); }
.footer-links a:hover { color: #fff; border-bottom-color: #fff; }
.footer-links span { margin: 0 12px; color: rgba(255,255,255,.35); }
/* Design credit, styled like the reference: mark + two-line lockup, centred */
.credit { margin-top: var(--s5); padding-top: var(--s4); border-top: 1px solid rgba(255,255,255,.14); display: flex; justify-content: center; }
.credit a { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
/* Surplus Funds' own light-on-dark mark, used as supplied — no recolouring. */
.credit img {
  width: 32px; height: auto; display: block;
  opacity: .85; transition: opacity .16s var(--ease);
}
/* Default line-heights made the two-line block 39.7px against a 34px mark, so the
   text overhung the logo top and bottom and the lockup never resolved. Tightened to
   ~33px so the mark is the tallest element, as a lockup should be. The negative
   margin cancels the trailing letter-space after the final Y, which otherwise
   pushes the whole centred group a couple of pixels off true. */
.cr-eyebrow {
  display: block; font-size: 9.5px; line-height: 1.3;
  letter-spacing: .2em; margin-right: -.2em;
  text-transform: uppercase; color: rgba(255,255,255,.38); font-weight: 500;
}
.cr-name {
  display: block; font-size: 15px; line-height: 1.25; margin-top: 2px;
  font-weight: 600; letter-spacing: -.005em; color: rgba(255,255,255,.66);
  transition: color .16s var(--ease);
}
.credit a:hover .cr-name { color: rgba(255,255,255,.92); }
.credit a:hover img { opacity: 1; }

/* ---- SMS consent (A2P 10DLC opt-in) ---- */
.consent { margin-top: var(--s2); padding-top: var(--s3); border-top: 1px solid var(--line); display: grid; gap: var(--s3); }
.consent-title { font-size: var(--t-label); letter-spacing: .13em; text-transform: uppercase; color: var(--ink-3); font-weight: 600; }
.check { display: grid; grid-template-columns: 20px 1fr; gap: 12px; align-items: start; cursor: pointer; }
.check input {
  appearance: none; -webkit-appearance: none; width: 20px; height: 20px; margin: 2px 0 0;
  border: 1.5px solid var(--line-2); border-radius: 5px; background: #fff; cursor: pointer;
  display: grid; place-content: center; transition: background-color .15s var(--ease), border-color .15s var(--ease);
}
.check input::before {
  content: ""; width: 11px; height: 11px; transform: scale(0);
  background: #fff; transition: transform .12s var(--ease);
  clip-path: polygon(14% 44%, 0 60%, 40% 100%, 100% 22%, 84% 6%, 38% 68%);
}
.check input:checked { background: var(--blue); border-color: var(--blue); }
.check input:checked::before { transform: scale(1); }
.check input:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; }
.check span { font-size: 13.5px; line-height: 1.55; color: var(--ink-2); }
.check .opt { color: var(--ink-3); }
.consent-note { font-size: 12.5px; color: var(--ink-3); line-height: 1.55; }
.consent-note a { color: var(--blue-text); font-weight: 600; }

/* ==========================================================================
   VIDEO PLAYER — poster-first, glass controls, no browser chrome
   ========================================================================== */
.video-wrap { max-width: 1080px; margin: 0 auto; }
.player {
  position: relative; width: 100%; aspect-ratio: 16 / 9;
  background: var(--navy); border-radius: var(--r-img); overflow: hidden;
  box-shadow: 0 2px 8px rgba(18,37,63,.08), 0 32px 80px rgba(18,37,63,.22);
  isolation: isolate;
}
.player:focus-visible { outline: 3px solid var(--blue); outline-offset: 4px; }
.player video { width: 100%; height: 100%; display: block; object-fit: cover; background: var(--navy); }

/* Poster sits above the video until first play */
.player-poster {
  position: absolute; inset: 0; z-index: 2; cursor: pointer; border: 0; padding: 0;
  width: 100%; background: none; display: block;
  transition: opacity .5s var(--ease);
}
.player-poster img { width: 100%; height: 100%; object-fit: cover; display: block; }
.player-poster::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(6,21,36,.04) 0%, rgba(6,21,36,.08) 55%, rgba(6,21,36,.22) 100%);
}
.player.is-started .player-poster { opacity: 0; pointer-events: none; }

/* The play button: glass disc, grows slightly on hover */
.player-play {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%,-50%);
  width: 108px; height: 108px; border-radius: 50%; z-index: 1;
  background: rgba(30,39,73,.82);
  border: 1.5px solid rgba(255,255,255,.28);
  backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px);
  display: grid; place-items: center;
  box-shadow: 0 14px 44px rgba(6,21,36,.34);
  transition: transform .28s var(--ease), background-color .28s var(--ease);
}
.player-poster:hover .player-play { transform: translate(-50%,-50%) scale(1.07); background: var(--blue); }
.player-poster:focus-visible { outline: none; }
.player-poster:focus-visible .player-play { outline: 3px solid #fff; outline-offset: 5px; }
.player-play svg { width: 40px; height: 40px; margin-left: 6px; fill: #fff; }

.player-label {
  position: absolute; left: 24px; bottom: 24px; z-index: 1;
  padding: 9px 16px; border-radius: 999px;
  background: rgba(30,39,73,.82);
  backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px);
  font-family: var(--sans); font-size: 14px; font-weight: 600; letter-spacing: .04em; color: #fff;
}

/* Controls: hidden until the video starts, auto-hide while playing */
.player-ui {
  position: absolute; left: 0; right: 0; bottom: 0; z-index: 3;
  padding: 56px 20px 16px;
  background: linear-gradient(180deg, rgba(6,21,36,0) 0%, rgba(6,21,36,.55) 55%, rgba(6,21,36,.8) 100%);
  opacity: 0; transform: translateY(8px); pointer-events: none;
  transition: opacity .25s var(--ease), transform .25s var(--ease);
}
.player.is-started.is-ui .player-ui { opacity: 1; transform: none; pointer-events: auto; }
.player.is-started.is-ui { cursor: default; }
.player.is-started:not(.is-ui) { cursor: none; }

.player-bar { display: flex; align-items: center; gap: 14px; }
.player-btn {
  width: 40px; height: 40px; flex: none; border: 0; border-radius: 50%; cursor: pointer;
  background: transparent; color: #fff; display: grid; place-items: center;
  transition: background-color .16s var(--ease);
}
.player-btn:hover { background: rgba(255,255,255,.16); }
.player-btn:focus-visible { outline: 2px solid #fff; outline-offset: 2px; }
.player-btn svg { width: 20px; height: 20px; fill: currentColor; }

.player-time {
  font-family: var(--sans); font-size: 13.5px; font-weight: 500; color: rgba(255,255,255,.9);
  font-variant-numeric: tabular-nums; flex: none; min-width: 96px;
}
/* Scrubber */
.player-seek { flex: 1; position: relative; height: 32px; display: flex; align-items: center; cursor: pointer; }
.player-seek input {
  appearance: none; -webkit-appearance: none; width: 100%; height: 32px; margin: 0;
  background: transparent; cursor: pointer;
}
.player-seek input::-webkit-slider-runnable-track { height: 5px; border-radius: 999px; background: transparent; }
.player-seek input::-moz-range-track { height: 5px; border-radius: 999px; background: transparent; }
.player-seek input::-webkit-slider-thumb {
  appearance: none; -webkit-appearance: none; width: 14px; height: 14px; border-radius: 50%;
  background: #fff; margin-top: -4.5px; box-shadow: 0 1px 6px rgba(6,21,36,.5);
  transform: scale(0); transition: transform .16s var(--ease);
}
.player-seek input::-moz-range-thumb { width: 14px; height: 14px; border: 0; border-radius: 50%; background: #fff; transform: scale(0); transition: transform .16s var(--ease); }
.player-seek:hover input::-webkit-slider-thumb, .player-seek input:focus-visible::-webkit-slider-thumb { transform: scale(1); }
.player-seek:hover input::-moz-range-thumb, .player-seek input:focus-visible::-moz-range-thumb { transform: scale(1); }
.player-seek input:focus-visible { outline: none; }
.seek-track {
  position: absolute; left: 0; right: 0; height: 5px; border-radius: 999px;
  background: rgba(255,255,255,.28); pointer-events: none; overflow: hidden;
}
.seek-buffer { position: absolute; inset: 0 auto 0 0; background: rgba(255,255,255,.22); width: 0; }
.seek-fill { position: absolute; inset: 0 auto 0 0; background: var(--blue); width: 0; }

@media (max-width: 620px) {
  .player-play { width: 76px; height: 76px; }
  .player-play svg { width: 28px; height: 28px; }
  .player-ui { padding: 44px 12px 12px; }
  .player-time { min-width: 84px; font-size: 12.5px; }
  .player-label { left: 14px; bottom: 14px; font-size: 12.5px; padding: 7px 13px; }
  .player-bar { gap: 8px; }
}
@media (prefers-reduced-motion: reduce) {
  .player-poster, .player-play, .player-ui { transition: none !important; }
}