/* ==========================================================================
   Platinum Property Finance Experts — public site
   Mobile first. One file, no framework. Tokens first, then base, layout,
   components, page-specific blocks, utilities.
   ========================================================================== */

@font-face {
  font-family: "Manrope";
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url("fonts/manrope-latin-var.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  /* Brand, sampled from the logo */
  --navy: #132d4c;
  --navy-900: #0c1f36;
  --navy-700: #1e4270;
  --sky: #00aee7;
  --sky-600: #0093c4;
  --sky-700: #00729a;   /* text-safe on white (AA) */
  --sky-50: #eef9fd;
  --sky-100: #d9f2fb;

  /* Neutrals */
  --ink: #12243a;
  --body: #3c4b5f;
  --muted: #5f6f83;
  --line: #e1e7ee;
  --line-strong: #c9d3de;
  --bg: #ffffff;
  --bg-soft: #f4f7fa;

  --ok: #12704a;
  --ok-bg: #e7f5ee;
  --err: #b3261e;
  --err-bg: #fdecea;

  --radius: 14px;
  --radius-sm: 10px;
  --radius-pill: 999px;
  --shadow-sm: 0 1px 2px rgba(19, 45, 76, .06);
  --shadow: 0 1px 2px rgba(19, 45, 76, .05), 0 12px 32px -16px rgba(19, 45, 76, .22);

  --wrap: 1180px;
  --gutter: clamp(20px, 4.5vw, 32px);
  --section: clamp(56px, 8vw, 96px);
  --header-h: 64px;

  --font: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

/* -------------------------------------------------------------------------- */
/* Base                                                                       */
/* -------------------------------------------------------------------------- */

*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 20px);
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--body);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  overflow-wrap: break-word;
}

img, picture, svg { display: block; max-width: 100%; }
img { height: auto; }

h1, h2, h3, h4 {
  margin: 0 0 .5em;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.18;
  letter-spacing: -.02em;
  text-wrap: balance;
}
h1 { font-size: clamp(2rem, 5.2vw + .6rem, 3.25rem); font-weight: 800; letter-spacing: -.03em; }
h2 { font-size: clamp(1.5rem, 2.4vw + .9rem, 2.125rem); }
h3 { font-size: 1.1875rem; letter-spacing: -.01em; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }

a { color: var(--sky-700); text-decoration-thickness: 1px; text-underline-offset: .18em; }
a:hover { color: var(--navy); }

:focus-visible { outline: 3px solid var(--sky); outline-offset: 2px; border-radius: 4px; }

address { font-style: normal; }
small, .small { font-size: .875rem; }
.muted { color: var(--muted); }
.center { text-align: center; }
.left { text-align: left; }

.sr-only {
  position: absolute; 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: 200;
  padding: 10px 16px; background: var(--navy); color: #fff; border-radius: 8px; font-weight: 600;
}
.skip-link:focus { top: 12px; color: #fff; }

/* -------------------------------------------------------------------------- */
/* Layout                                                                     */
/* -------------------------------------------------------------------------- */

.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }
.wrap-narrow { max-width: calc(780px + var(--gutter) * 2); }

.section { padding-block: var(--section); }
.section-tight { padding-block: clamp(32px, 5vw, 56px); }
.section-soft { background: var(--bg-soft); }
.section-navy { background: var(--navy); color: #c8d6e6; }
.section-navy h2, .section-navy h3 { color: #fff; }

.eyebrow {
  margin: 0 0 .75rem;
  font-size: .8125rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  color: var(--sky-700);
}
.eyebrow a { color: inherit; text-decoration: none; }
.eyebrow a:hover { text-decoration: underline; }
.eyebrow-light { color: var(--sky); }

.lede { font-size: clamp(1.0625rem, .6vw + 1rem, 1.25rem); line-height: 1.6; color: var(--body); max-width: 62ch; }
.center .lede { margin-inline: auto; }

.section-title { max-width: 24ch; }
.section-title-sm { font-size: clamp(1.375rem, 1.6vw + 1rem, 1.75rem); max-width: none; }
.section-intro { max-width: 62ch; margin-bottom: 2rem; }
.center .section-title { margin-inline: auto; }

.split { display: grid; gap: clamp(28px, 5vw, 64px); }
.split-center { align-items: center; }

/* -------------------------------------------------------------------------- */
/* Icons & buttons                                                            */
/* -------------------------------------------------------------------------- */

.icon { width: 24px; height: 24px; flex: none; }
.icon-sm { width: 18px; height: 18px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  min-height: 48px; padding: .7rem 1.25rem;
  font: inherit; font-size: 1rem; font-weight: 700; line-height: 1.2; text-decoration: none; white-space: nowrap;
  border: 1.5px solid transparent; border-radius: var(--radius-pill); cursor: pointer;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease, transform .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn .icon { width: 20px; height: 20px; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-700); color: #fff; }
.btn-accent { background: var(--sky); color: var(--navy-900); }
.btn-accent:hover { background: #2fc0f0; color: var(--navy-900); }
.btn-outline { background: #fff; color: var(--navy); border-color: var(--line-strong); }
.btn-outline:hover { border-color: var(--navy); color: var(--navy); }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .4); }
.btn-ghost-light:hover { border-color: #fff; color: #fff; }
.btn-lg { min-height: 54px; padding-inline: 1.5rem; font-size: 1.0625rem; }
.btn-sm { min-height: 40px; padding: .45rem 1rem; font-size: .9375rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .65; cursor: progress; }

.text-link { display: inline-flex; align-items: center; gap: .4rem; font-weight: 700; text-decoration: none; }
.text-link:hover { text-decoration: underline; }
.link-button { padding: 0; background: none; border: 0; font: inherit; color: inherit; text-decoration: underline; cursor: pointer; }

/* -------------------------------------------------------------------------- */
/* Header                                                                     */
/* -------------------------------------------------------------------------- */

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .96);
  border-bottom: 1px solid var(--line);
}
@supports (backdrop-filter: blur(8px)) {
  .site-header { background: rgba(255, 255, 255, .88); backdrop-filter: saturate(160%) blur(10px); }
}
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; height: var(--header-h); }

.brand { display: block; flex: none; }
.brand img { width: auto; height: 40px; }

.nav { display: none; }
.header-actions { display: flex; align-items: center; gap: 8px; }
.header-phone {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  min-width: 44px; min-height: 44px;
  color: var(--navy); font-weight: 700; text-decoration: none; border-radius: var(--radius-pill);
}
.header-phone span { display: none; }
.header-quote { display: none; }

.menu-toggle {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; padding: 0;
  background: var(--bg-soft); color: var(--navy); border: 0; border-radius: 12px; cursor: pointer;
}
.menu-toggle-close { display: none; }
.menu-toggle[aria-expanded="true"] .menu-toggle-open { display: none; }
.menu-toggle[aria-expanded="true"] .menu-toggle-close { display: block; }

/* Absolute, not fixed: the header's backdrop-filter makes it the containing
   block for fixed children, which would collapse a fixed menu to zero height. */
.mobile-menu {
  position: absolute; top: 100%; left: 0; right: 0; z-index: 99;
  height: calc(100vh - var(--header-h)); height: calc(100dvh - var(--header-h));
  background: #fff; overflow-y: auto; overscroll-behavior: contain;
  border-top: 1px solid var(--line);
}
.mobile-menu[hidden] { display: none; }
.mobile-menu-inner { padding-block: 12px 120px; }
.mobile-menu-heading { margin: 18px 0 4px; font-size: .75rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.mobile-link, .mobile-group summary {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 52px; padding: 6px 0;
  color: var(--ink); font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--line);
  cursor: pointer; list-style: none;
}
.mobile-group summary::-webkit-details-marker { display: none; }
.mobile-group[open] summary .icon { transform: rotate(180deg); }
.mobile-group ul { margin: 0; padding: 6px 0 10px 14px; list-style: none; border-bottom: 1px solid var(--line); }
.mobile-group li a { display: flex; align-items: center; min-height: 44px; color: var(--body); text-decoration: none; }
.mobile-menu-cta { display: grid; gap: 10px; margin-top: 24px; }
body.menu-open { overflow: hidden; }

@media (min-width: 520px) {
  .header-quote { display: inline-flex; min-height: 44px; }
}

@media (min-width: 1100px) {
  :root { --header-h: 76px; }
  .brand img { height: 46px; }
  .menu-toggle, .mobile-menu { display: none !important; }
  .header-phone { padding-inline: 12px; }
  .header-phone span { display: inline; }

  .nav { display: block; }
  .nav-list { display: flex; align-items: center; gap: 4px; margin: 0; padding: 0; list-style: none; }
  .nav-link {
    display: inline-flex; align-items: center; gap: .3rem;
    min-height: 44px; padding: 0 14px;
    background: none; border: 0; border-radius: var(--radius-pill);
    font: inherit; font-size: .9875rem; font-weight: 600; color: var(--ink); text-decoration: none; cursor: pointer;
  }
  .nav-link:hover, .nav-link[aria-expanded="true"] { background: var(--bg-soft); color: var(--navy); }
  .nav-link[aria-current="page"], .nav-link[data-current] { color: var(--sky-700); }
  .nav-link .icon { transition: transform .15s ease; }
  .nav-link[aria-expanded="true"] .icon { transform: rotate(180deg); }

  .nav-panel {
    position: absolute; left: 0; right: 0; top: 100%;
    display: none;
    background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
    box-shadow: 0 24px 40px -24px rgba(19, 45, 76, .28);
  }
  .has-panel.is-open .nav-panel { display: block; }
  .nav-panel-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px 32px;
    max-width: calc(var(--wrap) + var(--gutter) * 2); margin-inline: auto; padding: 32px var(--gutter) 24px;
  }
  .nav-group-title { display: flex; align-items: center; gap: .6rem; margin-bottom: .5rem; color: var(--ink); font-weight: 700; text-decoration: none; }
  .nav-group-title .icon { color: var(--sky-600); }
  .nav-group-title:hover { color: var(--sky-700); }
  .nav-group ul { margin: 0; padding: 0 0 0 calc(24px + .6rem); list-style: none; }
  .nav-group li a { display: block; padding: 5px 0; font-size: .9375rem; color: var(--body); text-decoration: none; }
  .nav-group li a:hover { color: var(--sky-700); }
  .nav-panel-foot {
    display: flex; gap: 28px;
    max-width: calc(var(--wrap) + var(--gutter) * 2); margin-inline: auto; padding: 16px var(--gutter) 20px;
    border-top: 1px solid var(--line);
  }
  .nav-panel-foot a { display: inline-flex; align-items: center; gap: .35rem; font-size: .9375rem; font-weight: 700; text-decoration: none; }
}

/* -------------------------------------------------------------------------- */
/* Breadcrumbs                                                                */
/* -------------------------------------------------------------------------- */

.crumbs { background: var(--bg-soft); font-size: .875rem; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 0 .5rem; margin: 0 auto; padding-block: 12px 0; list-style: none; }
.crumbs li { display: inline-flex; align-items: center; gap: .5rem; color: var(--muted); }
.crumbs li + li::before { content: "/"; color: var(--line-strong); }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--navy); text-decoration: underline; }

/* -------------------------------------------------------------------------- */
/* Heroes                                                                     */
/* -------------------------------------------------------------------------- */

.hero {
  padding-block: clamp(36px, 6vw, 80px) clamp(48px, 7vw, 88px);
  background:
    radial-gradient(900px 420px at 88% -10%, var(--sky-100), transparent 70%),
    linear-gradient(180deg, var(--bg-soft), #fff 78%);
}
.hero-grid { display: grid; gap: 36px; align-items: center; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 1.75rem 0 1.5rem; }
.hero-actions.center { justify-content: center; }

.ticks { display: flex; flex-wrap: wrap; gap: 8px 20px; margin: 0; padding: 0; list-style: none; font-size: .9375rem; font-weight: 600; color: var(--ink); }
.ticks li { display: inline-flex; align-items: center; gap: .4rem; }
.ticks .icon { color: var(--ok); }
.ticks-stack { flex-direction: column; gap: 10px; margin-bottom: 1.25rem; }

.page-hero { padding-block: clamp(28px, 5vw, 56px) clamp(36px, 6vw, 64px); background: var(--bg-soft); }
.page-hero-grid { display: grid; gap: 32px; align-items: start; }
.page-hero h1 { font-size: clamp(1.875rem, 3.6vw + .8rem, 2.875rem); }
.page-hero .hero-actions { margin-bottom: 0; }
.page-hero-plain .lede { margin-bottom: 0; }

.key-points { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 0; }
.key-point { padding: 16px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.key-point dt { margin-bottom: .25rem; font-size: .75rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--sky-700); }
.key-point dd { margin: 0; font-size: .9375rem; line-height: 1.45; color: var(--ink); font-weight: 600; }

@media (min-width: 960px) {
  .hero-grid { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 56px; }
  .page-hero-grid { grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: 56px; align-items: center; }
  .split { grid-template-columns: 1fr 1fr; }
  .split > aside { display: grid; gap: 20px; align-content: start; }
}

/* -------------------------------------------------------------------------- */
/* Cards                                                                      */
/* -------------------------------------------------------------------------- */

.card { display: block; padding: clamp(20px, 3vw, 28px); background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.card > :last-child { margin-bottom: 0; }
.card h2 { font-size: 1.1875rem; letter-spacing: -.01em; }
.card-raised { border-color: transparent; box-shadow: var(--shadow), 0 0 0 1px var(--line); }
.card-navy { background: var(--navy); border-color: var(--navy); color: #c8d6e6; }
.card-navy h2 { color: #fff; }
aside .card + .card { margin-top: 20px; }
@media (min-width: 960px) { .split > aside .card + .card { margin-top: 0; } }

.card-grid { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 600px) { .card-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 960px) {
  .card-grid { grid-template-columns: repeat(4, 1fr); gap: 20px; }
  .card-grid-3 { grid-template-columns: repeat(3, 1fr); }
}
.card-grid-compact { margin-top: 1.25rem; }

a.card { color: inherit; text-decoration: none; transition: border-color .15s ease, box-shadow .15s ease, transform .15s ease; }
a.card:hover { border-color: var(--sky); box-shadow: var(--shadow); transform: translateY(-2px); color: inherit; }

.service-card { display: flex; flex-direction: column; }
.service-card h3, .service-card h2 { margin-bottom: .4rem; font-size: 1.125rem; }
.service-card p {
  margin-bottom: 1rem; font-size: .9375rem; line-height: 1.55; color: var(--body);
  display: -webkit-box; -webkit-box-orient: vertical; -webkit-line-clamp: 3; line-clamp: 3; overflow: hidden;
}
.service-card-compact p { margin-bottom: .75rem; }
.service-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 48px; height: 48px; margin-bottom: 16px; flex: none;
  background: var(--sky-50); color: var(--sky-700); border-radius: 12px;
}
.card-link { display: inline-flex; align-items: center; gap: .35rem; margin-top: auto; font-size: .9375rem; font-weight: 700; color: var(--sky-700); }
a.card:hover .card-link .icon { transform: translateX(3px); }
.card-link .icon { transition: transform .15s ease; }

.solution-card h2 { font-size: 1.1875rem; }
.solution-card p { font-size: .9688rem; }

.post-card { padding: 0; overflow: hidden; }
.post-card img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.post-card-body { padding: 20px; }
.post-card h2 { font-size: 1.1875rem; }
.post-meta { margin: 0; font-size: .875rem; color: var(--muted); }

/* -------------------------------------------------------------------------- */
/* Steps, features, lists                                                     */
/* -------------------------------------------------------------------------- */

.steps { display: grid; gap: 16px; margin: 2rem 0 0; padding: 0; list-style: none; counter-reset: none; }
.step { position: relative; padding: 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.step-number {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; margin-bottom: 14px;
  background: var(--navy); color: #fff; border-radius: 50%; font-weight: 800; font-size: .9375rem;
}
.step h3 { margin-bottom: .35rem; }
.step p { margin: 0; font-size: .9375rem; line-height: 1.55; }
@media (min-width: 600px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .steps { grid-template-columns: repeat(4, 1fr); gap: 20px; } }

.feature-list { display: grid; gap: 22px; margin: 0; padding: 0; list-style: none; }
.feature-list li { display: flex; gap: 16px; }
.feature-list h3 { margin-bottom: .25rem; font-size: 1.0625rem; }
.feature-list p { margin: 0; font-size: .9688rem; line-height: 1.55; }
.feature-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; flex: none;
  background: var(--sky-50); color: var(--sky-700); border-radius: 12px;
}

.link-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.link-list a {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  min-height: 52px; padding: 10px 2px;
  color: var(--ink); font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--line);
}
.link-list a:hover { color: var(--sky-700); }
.link-list a .icon { color: var(--sky-600); transition: transform .15s ease; }
.link-list a:hover .icon { transform: translateX(3px); }
.link-list-light { border-top-color: rgba(255, 255, 255, .18); }
.link-list-light a { color: #fff; border-bottom-color: rgba(255, 255, 255, .18); font-size: 1.0625rem; min-height: 60px; }
.link-list-light a:hover { color: var(--sky); }
.link-list-light a .icon { color: var(--sky); }

.plain-links { margin: 0; padding: 0; list-style: none; }
.plain-links a { display: block; padding: 7px 0; font-weight: 600; text-decoration: none; }
.plain-links a:hover { text-decoration: underline; }

.contact-list { display: grid; gap: 14px; margin: 0 0 1rem; padding: 0; list-style: none; }
.contact-list li { display: flex; gap: 12px; align-items: flex-start; font-size: .9688rem; line-height: 1.5; color: var(--ink); }
.contact-list .icon { margin-top: 1px; color: var(--sky-600); }
.contact-list a { font-weight: 700; text-decoration: none; color: var(--navy); }
.contact-list a:hover { text-decoration: underline; }
.contact-list small { display: block; font-size: .75rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.contact-list-lg li { font-size: 1.0625rem; }
.contact-list:last-child { margin-bottom: 0; }

.mini-steps { margin: 0; padding-left: 1.2em; font-size: .9688rem; }
.mini-steps li { margin-bottom: .6rem; padding-left: .25rem; }
.mini-steps li::marker { font-weight: 800; color: var(--sky-700); }

/* -------------------------------------------------------------------------- */
/* Forms                                                                      */
/* -------------------------------------------------------------------------- */

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.lead-form-title { margin-bottom: .25rem; font-size: 1.375rem; }
.lead-form-intro { margin-bottom: 1.1rem; font-size: .9375rem; color: var(--muted); }

.field { margin-bottom: 14px; }
.field label, .field-label { display: block; margin-bottom: 6px; font-size: .9375rem; font-weight: 700; color: var(--ink); }
.optional { font-weight: 500; color: var(--muted); }
.field input, .field select, .field textarea {
  display: block; width: 100%; min-height: 50px; padding: 12px 14px;
  font: inherit; font-size: 1rem; color: var(--ink);
  background: #fff; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm);
  transition: border-color .15s ease, box-shadow .15s ease;
  appearance: none;
}
.field select {
  padding-right: 40px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23132d4c' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; background-size: 18px;
}
.field textarea { min-height: 112px; resize: vertical; line-height: 1.5; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--muted); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--sky-600); box-shadow: 0 0 0 4px rgba(0, 174, 231, .2); }
.field [aria-invalid="true"] { border-color: var(--err); }
.field-error { margin: 6px 0 0; font-size: .875rem; font-weight: 600; color: var(--err); }
.field-row { display: grid; gap: 0 16px; }
@media (min-width: 600px) { .field-row { grid-template-columns: 1fr 1fr; } }

.form-alert { margin-bottom: 14px; padding: 12px 14px; background: var(--err-bg); color: var(--err); border-radius: var(--radius-sm); font-size: .9375rem; font-weight: 600; }
.form-alert[hidden] { display: none; }
.form-note { margin: 12px 0 0; font-size: .8125rem; line-height: 1.5; color: var(--muted); }

/* Multi-step quote form */
.quote-layout { display: grid; gap: 24px; align-items: start; }
.quote-aside { display: grid; gap: 20px; }
.quote-aside .card + .card { margin-top: 0; }
@media (min-width: 960px) { .quote-layout { grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 32px; } }

.form-step { margin: 0 0 20px; padding: 0; border: 0; min-width: 0; }
.form-step + .form-step { padding-top: 20px; border-top: 1px solid var(--line); }
.form-step legend { padding: 0; margin-bottom: 16px; font-size: 1.25rem; font-weight: 800; letter-spacing: -.02em; color: var(--ink); }
.js-steps .form-step { display: none; padding-top: 0; border-top: 0; }
.js-steps .form-step.is-active { display: block; }

.steps-progress { margin-bottom: 20px; }
.steps-progress[hidden] { display: none; }
.steps-progress p { margin: 0 0 8px; font-size: .8125rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.steps-bar { height: 6px; background: var(--bg-soft); border-radius: 99px; overflow: hidden; }
.steps-bar span { display: block; height: 100%; width: 33.33%; background: var(--sky); border-radius: 99px; transition: width .25s ease; }

.choice-grid { display: grid; gap: 10px; grid-template-columns: 1fr; }
@media (min-width: 480px) { .choice-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 720px) { .choice-grid { grid-template-columns: repeat(3, 1fr); } }
.choice, .chip { position: relative; display: block; cursor: pointer; }
.choice input, .chip input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.choice span {
  display: flex; align-items: center; min-height: 56px; padding: 12px 16px;
  font-weight: 700; color: var(--ink); background: #fff; border: 1.5px solid var(--line-strong); border-radius: var(--radius-sm);
  transition: border-color .15s ease, background-color .15s ease;
}
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip span {
  display: inline-flex; align-items: center; min-height: 44px; padding: 8px 16px;
  font-size: .9375rem; font-weight: 600; color: var(--ink);
  background: #fff; border: 1.5px solid var(--line-strong); border-radius: var(--radius-pill);
  transition: border-color .15s ease, background-color .15s ease;
}
.choice:hover span, .chip:hover span { border-color: var(--navy); }
.choice input:checked + span, .chip input:checked + span { background: var(--sky-50); border-color: var(--sky-600); color: var(--navy); box-shadow: inset 0 0 0 1px var(--sky-600); }
.choice input:focus-visible + span, .chip input:focus-visible + span { outline: 3px solid var(--sky); outline-offset: 2px; }

.step-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; margin-top: 8px; }
.step-actions [hidden] { display: none; }
.step-actions .btn:only-child, .step-actions .btn-accent, .step-actions [data-step-next] { margin-left: auto; }

/* -------------------------------------------------------------------------- */
/* Service page                                                               */
/* -------------------------------------------------------------------------- */

.service-layout { display: grid; gap: 40px; padding-block: clamp(32px, 5vw, 64px); align-items: start; }
.service-main { min-width: 0; }
.service-aside { display: grid; gap: 20px; }
.service-aside .card + .card { margin-top: 0; }
@media (min-width: 1000px) {
  .service-layout { grid-template-columns: minmax(0, 1fr) 380px; gap: 56px; }
  .service-aside { position: sticky; top: calc(var(--header-h) + 20px); }
}

.aside-links h2 { font-size: 1rem; margin-bottom: .5rem; }
.aside-links ul { margin: 0; padding: 0; list-style: none; }
.aside-links a { display: block; padding: 8px 0; font-size: .9688rem; font-weight: 600; text-decoration: none; border-top: 1px solid var(--line); }
.aside-links a:hover { text-decoration: underline; }
.aside-tool { display: flex; align-items: center; gap: 14px; color: var(--ink); }
.aside-tool > .icon:first-child { width: 32px; height: 32px; color: var(--sky-600); }
.aside-tool span { flex: 1; font-size: .875rem; color: var(--muted); }
.aside-tool strong { display: block; font-size: 1rem; color: var(--ink); }

.toc { margin-bottom: 28px; padding: 4px 20px; background: var(--bg-soft); border-radius: var(--radius); }
.toc summary {
  display: flex; align-items: center; justify-content: space-between; min-height: 48px;
  font-weight: 800; color: var(--ink); cursor: pointer; list-style: none;
}
.toc summary::-webkit-details-marker { display: none; }
.toc[open] summary .icon { transform: rotate(180deg); }
.toc ol { margin: 0; padding: 0 0 14px 1.2em; font-size: .9375rem; columns: 1; }
.toc li { margin-bottom: .35rem; break-inside: avoid; }
.toc a { text-decoration: none; }
.toc a:hover { text-decoration: underline; }
@media (min-width: 700px) { .toc ol { columns: 2; column-gap: 32px; } }

.prose { max-width: 72ch; }
.prose > :first-child { margin-top: 0; }
.prose h2 { margin-top: 2.25em; font-size: clamp(1.375rem, 1.4vw + 1.05rem, 1.75rem); }
.prose h3 { margin-top: 1.75em; font-size: 1.1875rem; }
.prose p, .prose li { font-size: 1.0625rem; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: .45em; }
.prose li::marker { color: var(--sky-600); font-weight: 700; }
.prose a { font-weight: 600; }
.prose strong { color: var(--ink); }
.prose blockquote {
  margin: 1.75em 0; padding: 18px 20px;
  background: var(--sky-50); border-left: 4px solid var(--sky); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  color: var(--ink);
}
.prose blockquote p { margin: 0; font-size: 1rem; }
.prose blockquote p + p { margin-top: .75em; }
.prose img { border-radius: var(--radius); margin-block: 1.5em; }
.guide-image { width: 100%; border-radius: var(--radius); margin-bottom: 28px; aspect-ratio: 1200 / 630; object-fit: cover; }

.table-scroll { margin: 1.5em 0; overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-sm); -webkit-overflow-scrolling: touch; }
.table-scroll table { width: 100%; min-width: 460px; border-collapse: collapse; font-size: .9375rem; }
.table-scroll th, .table-scroll td { padding: 12px 14px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.table-scroll th { background: var(--bg-soft); color: var(--ink); font-weight: 700; white-space: nowrap; }
.table-scroll tr:last-child td { border-bottom: 0; }
.table-scroll td:first-child { color: var(--ink); font-weight: 600; }

/* -------------------------------------------------------------------------- */
/* FAQ                                                                        */
/* -------------------------------------------------------------------------- */

.faq-list { margin-top: 1.5rem; border-top: 1px solid var(--line); }
.faq { border-bottom: 1px solid var(--line); }
.faq summary {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  min-height: 60px; padding: 14px 2px;
  font-size: 1.0625rem; font-weight: 700; color: var(--ink); cursor: pointer; list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--sky-700); }
.faq summary .icon { color: var(--sky-600); transition: transform .2s ease; }
.faq[open] summary .icon { transform: rotate(180deg); }
.faq-answer { padding: 0 2px 18px; max-width: 68ch; }
.faq-answer p { margin: 0; }

/* -------------------------------------------------------------------------- */
/* CTA band                                                                   */
/* -------------------------------------------------------------------------- */

.cta-band { background: var(--navy); color: #c8d6e6; padding-block: clamp(44px, 6vw, 72px); }
.cta-band-inner { display: grid; gap: 24px; align-items: center; }
.cta-band h2 { color: #fff; margin-bottom: .4rem; }
.cta-band p { margin: 0; max-width: 56ch; }
.cta-band-actions { display: flex; flex-wrap: wrap; gap: 12px; }
@media (min-width: 900px) { .cta-band-inner { grid-template-columns: 1fr auto; gap: 48px; } }

/* -------------------------------------------------------------------------- */
/* Page-specific                                                              */
/* -------------------------------------------------------------------------- */

.service-index { display: grid; gap: 0; }
.service-index-row { display: grid; gap: 20px; padding-block: 28px; border-top: 1px solid var(--line); }
.service-index-row:first-child { border-top: 0; padding-top: 0; }
.service-index-head { display: flex; gap: 16px; }
.service-index-head .service-icon { margin-bottom: 0; }
.service-index-head h2 { margin-bottom: .3rem; font-size: 1.375rem; }
.service-index-head h2 a { color: var(--ink); text-decoration: none; }
.service-index-head h2 a:hover { color: var(--sky-700); }
.service-index-head p { margin: 0; font-size: .9688rem; }
@media (min-width: 900px) { .service-index-row { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 56px; } }

.contact-layout { display: grid; gap: 24px; align-items: start; }
.contact-details { display: grid; gap: 20px; }
@media (min-width: 900px) { .contact-layout { grid-template-columns: 1fr 1fr; gap: 32px; } }

.calc-layout { display: grid; gap: 24px; align-items: start; }
@media (min-width: 900px) { .calc-layout { grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 32px; } }
.calc-figures { margin: 0; }
.calc-figures > div { display: flex; justify-content: space-between; gap: 16px; padding: 10px 0; border-bottom: 1px solid rgba(255, 255, 255, .14); }
.calc-figures dt { font-size: .9375rem; }
.calc-figures dd { margin: 0; color: #fff; font-weight: 700; font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc-figures .calc-total { margin-top: 6px; padding-block: 14px; border-top: 1px solid rgba(255, 255, 255, .3); }
.calc-figures .calc-total dt { color: #fff; font-weight: 700; }
.calc-figures .calc-total dd { font-size: 1.5rem; color: var(--sky); }
.calc-warning { margin: 14px 0 0; padding: 10px 12px; background: rgba(255, 255, 255, .1); border-radius: 8px; font-size: .875rem; color: #fff; }
.calc-warning[hidden] { display: none; }
.calc-result .small { margin-top: 14px; }

.notice { display: flex; gap: 14px; margin-top: 28px; padding: 18px 20px; background: var(--sky-50); border-radius: var(--radius); color: var(--ink); }
.notice .icon { color: var(--sky-700); margin-top: 2px; }
.notice p { margin: 0; font-size: .9688rem; }

.empty { padding: 48px 24px; text-align: center; background: var(--bg-soft); border-radius: var(--radius); }

.thanks { text-align: center; }
.thanks-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 72px; height: 72px; margin: 0 auto 24px;
  background: var(--ok-bg); color: var(--ok); border-radius: 50%;
}
.thanks-icon .icon { width: 36px; height: 36px; }
.thanks .card-grid { margin-block: 28px; grid-template-columns: 1fr 1fr; }
.thanks .card h2 { font-size: 1rem; }

.area-groups { display: grid; gap: 20px; margin: 1.5em 0; }
@media (min-width: 560px) { .area-groups { grid-template-columns: 1fr 1fr; } }
.area-groups h3 { margin-top: 0; }
.area-list { margin: 0; padding: 0 !important; list-style: none; }
.area-list li { display: flex; align-items: center; gap: .5rem; margin-bottom: .4rem; font-weight: 600; color: var(--ink); }
.area-list .icon { color: var(--sky-600); }

/* -------------------------------------------------------------------------- */
/* Footer                                                                     */
/* -------------------------------------------------------------------------- */

.site-footer { background: var(--navy-900); color: #a9bace; font-size: .9375rem; }
.site-footer a { color: #dbe6f2; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-grid { display: grid; gap: 36px; padding-block: clamp(44px, 6vw, 72px) 36px; }
.footer-brand img { height: 52px; width: auto; margin-bottom: 16px; }
.footer-brand p { max-width: 36ch; }
.footer-contact { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 10px; }
.footer-contact .icon { width: 20px; height: 20px; margin-top: 2px; color: var(--sky); }
.footer-social { display: flex; gap: 10px; margin: 18px 0 0; padding: 0; list-style: none; }
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px;
  border: 1px solid rgba(255, 255, 255, .18); border-radius: 50%;
}
.footer-social a:hover { background: rgba(255, 255, 255, .08); border-color: rgba(255, 255, 255, .4); }
.footer-col h2 { margin-bottom: 14px; font-size: .8125rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: #fff; }
.footer-col ul { margin: 0; padding: 0; list-style: none; }
.footer-col li { margin-bottom: 4px; }
.footer-col a { display: inline-block; padding: 5px 0; }
.footer-hours li { padding: 4px 0; }
.footer-legal { padding-block: 28px 36px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .8125rem; line-height: 1.6; color: #93a6bc; }
.footer-legal p { margin-bottom: .7em; max-width: 110ch; }
.footer-warning { color: #dbe6f2; font-weight: 700; font-size: .875rem; text-transform: uppercase; letter-spacing: .01em; }
.footer-base { display: flex; flex-wrap: wrap; gap: 8px 24px; justify-content: space-between; margin-top: 20px; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, .12); }
.footer-base p { margin: 0; }
.footer-base ul { display: flex; flex-wrap: wrap; gap: 6px 20px; margin: 0; padding: 0; list-style: none; }
@media (min-width: 640px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; } }

/* -------------------------------------------------------------------------- */
/* Mobile action bar & cookie consent                                         */
/* -------------------------------------------------------------------------- */

.action-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 1px;
  background: var(--line); border-top: 1px solid var(--line);
  padding-bottom: env(safe-area-inset-bottom);
  box-shadow: 0 -8px 24px -12px rgba(19, 45, 76, .25);
  transform: translateY(110%); transition: transform .25s ease;
}
.action-bar.is-visible { transform: none; }
.action-bar a {
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2px;
  min-height: 58px; padding: 6px 4px;
  background: #fff; color: var(--navy); font-size: .75rem; font-weight: 700; text-decoration: none;
}
.action-bar a .icon { width: 22px; height: 22px; }
.action-bar .action-bar-primary { background: var(--sky); color: var(--navy-900); }
body { padding-bottom: 0; }
@media (max-width: 899px) { .site-footer { padding-bottom: calc(60px + env(safe-area-inset-bottom)); } }
@media (min-width: 900px) { .action-bar { display: none; } }
body.menu-open .action-bar { display: none; }

.consent {
  position: fixed; left: 12px; right: 12px; bottom: 76px; z-index: 120;
  display: grid; gap: 12px; max-width: 520px; margin-inline: auto; padding: 16px 18px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
  font-size: .875rem; line-height: 1.5;
}
.consent[hidden] { display: none; }
.consent p { margin: 0; }
.consent-actions { display: flex; gap: 10px; justify-content: flex-end; }
@media (min-width: 900px) { .consent { left: auto; right: 24px; bottom: 24px; margin: 0; } }

/* -------------------------------------------------------------------------- */
/* Motion & print                                                             */
/* -------------------------------------------------------------------------- */

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}

@media print {
  .site-header, .site-footer .footer-grid, .action-bar, .consent, .cta-band, .service-aside, .hero-form, .crumbs { display: none !important; }
  body { font-size: 11pt; color: #000; }
  a { color: #000; text-decoration: none; }
}

/* -------------------------------------------------------------------------- */
/* Phase two: guides, sources, glossary, calculators, site map                */
/* -------------------------------------------------------------------------- */

.takeaways { margin: 0 0 28px; padding: 20px 22px; background: var(--sky-50); border-radius: var(--radius); border-left: 4px solid var(--sky); }
.takeaways h2 { margin: 0 0 .6rem; font-size: .8125rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--sky-700); }
.takeaways ul { margin: 0; padding-left: 1.2em; }
.takeaways li { margin-bottom: .45em; color: var(--ink); font-size: 1.0313rem; }
.takeaways li:last-child { margin-bottom: 0; }
.takeaways li::marker { color: var(--sky-600); }

.article-foot { margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--line); max-width: 72ch; }
.reviewed { display: flex; align-items: center; gap: .5rem; margin: 0 0 18px; font-size: .9375rem; color: var(--ink); }
.reviewed .icon { color: var(--ok); }
.article-foot-title { margin: 0 0 .6rem; font-size: 1rem; letter-spacing: 0; }
.source-list { margin: 0; padding-left: 1.2em; font-size: .9375rem; }
.source-list li { margin-bottom: .35em; }

.guide-links { display: grid; gap: 0 32px; margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.guide-links a {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  min-height: 56px; padding: 10px 2px;
  color: var(--ink); font-weight: 600; text-decoration: none; border-bottom: 1px solid var(--line);
}
.guide-links a:hover { color: var(--sky-700); }
.guide-links a .icon { color: var(--sky-600); flex: none; }
@media (min-width: 800px) { .guide-links { grid-template-columns: 1fr 1fr; } }

.chip-nav { display: flex; flex-wrap: wrap; gap: 8px; padding-block: 20px 0; }
.chip-nav a {
  display: inline-flex; align-items: center; min-height: 40px; padding: 6px 14px;
  font-size: .9375rem; font-weight: 600; color: var(--navy); text-decoration: none;
  background: #fff; border: 1.5px solid var(--line-strong); border-radius: var(--radius-pill);
}
.chip-nav a:hover { border-color: var(--navy); }

.post-card h3 { font-size: 1.125rem; margin-bottom: .4rem; }
.post-card p { font-size: .9375rem; line-height: 1.55; }
.post-card .post-meta { margin-top: .6rem; }

.glossary-group + .glossary-group { margin-top: 36px; }
.glossary-letter { margin: 0 0 8px; padding-bottom: 8px; font-size: 1.5rem; color: var(--sky-700); border-bottom: 2px solid var(--sky-100); }
.glossary { margin: 0; }
.glossary-term { padding: 18px 0; border-bottom: 1px solid var(--line); scroll-margin-top: calc(var(--header-h) + 20px); }
.glossary-term:target { background: var(--sky-50); margin-inline: -14px; padding-inline: 14px; border-radius: var(--radius-sm); }
.glossary-term dt { margin-bottom: .3rem; font-size: 1.125rem; font-weight: 700; color: var(--ink); }
.glossary-term dt .muted { font-weight: 500; font-size: 1rem; }
.glossary-term dd { margin: 0; }
.glossary-term dd .text-link { display: flex; margin-top: .5rem; font-size: .9375rem; }

.calc-fields { display: grid; gap: 0 16px; }
@media (min-width: 560px) { .calc-fields { grid-template-columns: 1fr 1fr; } }
.calc h2, .calc-result .card h2 { margin-bottom: 1rem; }

.site-map { display: grid; gap: 28px; }
@media (min-width: 800px) { .site-map { grid-template-columns: repeat(3, 1fr); gap: 36px; } .site-map-wide { grid-column: 1 / -1; } }
.site-map-block h2 { font-size: 1.25rem; padding-bottom: 10px; border-bottom: 1px solid var(--line); }
.site-map-block h2 a, .site-map-block h3 a { color: var(--ink); text-decoration: none; }
.site-map-block h2 a:hover, .site-map-block h3 a:hover { color: var(--sky-700); }
.site-map-block h3 { margin: 0 0 .4rem; font-size: 1rem; }
.site-map-block ul { margin: 0; padding: 0; list-style: none; }
.site-map-block li a { display: block; padding: 5px 0; font-size: .9688rem; text-decoration: none; }
.site-map-block li a:hover { text-decoration: underline; }
.site-map-columns { display: grid; gap: 24px 32px; }
@media (min-width: 560px) { .site-map-columns { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .site-map-columns { grid-template-columns: repeat(4, 1fr); } }

.local-data { margin: 1.75em 0; }
.local-data caption { caption-side: bottom; padding: 10px 14px; text-align: left; font-size: .8125rem; color: var(--muted); }