:root {
  --brand: #0b3b6f;
  --brand-2: #0f4c8a;
  --brand-ink: #08294d;
  --red: #c1121f;
  --ink: #161616;
  --ink-2: #333;
  --muted: #666;
  --muted-2: #8a8a8a;
  --line: #dcdcdc;
  --line-2: #ededed;
  --bg: #ffffff;
  --bg-alt: #f5f5f2;
  --wrap: 1240px;
  --serif: "Frank Ruhl Libre", "PT Serif", Georgia, "Times New Roman", serif;
  --sans: "Inter", "Helvetica Neue", Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  font-size: 16px;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { font-family: var(--serif); line-height: 1.14; color: var(--ink); margin: 0 0 .5em; font-weight: 700; }
h1 { font-size: clamp(1.9rem, 4vw, 3.1rem); }
h2 { font-size: clamp(1.4rem, 2.4vw, 2rem); }
h3 { font-size: 1.24rem; }
p { margin: 0 0 1rem; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 18px; }
.center { text-align: center; }
.muted { color: var(--muted); }
.tiny { font-size: .8rem; color: var(--muted); }
.nowrap { white-space: nowrap; }
.req { color: var(--red); }

.sr-only, .skip-link {
  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:focus {
  position: fixed; top: 8px; left: 8px; width: auto; height: auto; clip: auto;
  background: var(--brand); color: #fff; padding: 10px 16px; z-index: 999;
}
:focus-visible { outline: 3px solid var(--brand); outline-offset: 2px; }

/* ---------- small editorial buttons (no pill CTAs) ---------- */
.btn {
  display: inline-block; font: inherit; font-weight: 700; font-size: .78rem; cursor: pointer;
  text-transform: uppercase; letter-spacing: .05em; padding: .6rem 1rem;
  border: 1px solid var(--brand); background: var(--brand); color: #fff; text-align: center;
}
.btn:hover { text-decoration: none; background: var(--brand-ink); border-color: var(--brand-ink); color: #fff; }
.btn-primary { background: var(--brand); color: #fff; }
.btn-outline { background: #fff; color: var(--brand); }
.btn-outline:hover { background: var(--brand); color: #fff; }
.btn-ghost { background: transparent; color: var(--brand); border-color: var(--line); }
.btn-ghost:hover { background: var(--bg-alt); color: var(--brand); }
.btn-block { display: block; width: 100%; }
.link-more { font-weight: 700; font-size: .85rem; text-transform: uppercase; letter-spacing: .04em; }

.kicker {
  text-transform: uppercase; letter-spacing: .08em; font-size: .72rem; font-weight: 800;
  color: var(--red); margin: 0 0 .35rem; font-family: var(--sans);
}
.lede { font-size: 1.16rem; color: var(--ink-2); }
.meta { font-size: .78rem; color: var(--muted); margin: .35rem 0 0; text-transform: uppercase; letter-spacing: .02em; }
.section-sub { color: var(--muted); max-width: 62ch; }

/* ---------- header: utility bar + masthead + section nav ---------- */
.topbar { background: var(--brand-ink); color: #c8d6e6; font-size: .76rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 1rem; min-height: 34px; }
.topbar-links { display: flex; gap: 1.1rem; }
.topbar a { color: #c8d6e6; text-transform: uppercase; letter-spacing: .04em; font-weight: 600; }
.topbar a:hover { color: #fff; }

.masthead {
  display: flex; align-items: center; gap: 1rem;
  padding: 18px 18px 14px; border-bottom: 1px solid var(--line);
}
.brand { display: flex; align-items: center; gap: .7rem; margin: 0 auto; }
.brand:hover { text-decoration: none; }
.brand-mark { flex: 0 0 auto; }
.brand-name {
  font-family: var(--serif); font-weight: 900; font-size: 2.2rem; line-height: 1;
  color: var(--brand-ink); letter-spacing: -.01em; display: block;
}
.brand-tag { display: block; text-align: center; font-size: .68rem; text-transform: uppercase; letter-spacing: .22em; color: var(--muted); margin-top: 4px; }
.burger { display: none; flex-direction: column; gap: 5px; background: none; border: 0; cursor: pointer; padding: 8px; }
.burger span { width: 24px; height: 2px; background: var(--ink); display: block; }

.mainnav { border-bottom: 1px solid var(--line); background: #fff; position: relative; }
.mainnav-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.menu { list-style: none; display: flex; margin: 0; padding: 0; flex-wrap: wrap; }
.menu > li { position: relative; }
.menu > li > a {
  display: inline-flex; align-items: center; gap: .3rem; padding: .7rem .85rem;
  font-weight: 700; color: var(--ink); text-transform: uppercase; font-size: .78rem; letter-spacing: .04em;
}
.menu > li:first-child > a { padding-left: 0; }
.menu > li > a[aria-current="page"] { color: var(--red); box-shadow: inset 0 -3px 0 var(--red); }
.menu > li > a:hover { text-decoration: none; color: var(--red); }
.caret { font-size: .62rem; }
.sub-toggle { display: none; }
.mega {
  position: absolute; top: 100%; left: 0; z-index: 50; display: none;
  grid-template-columns: repeat(3, minmax(180px, 1fr)); gap: 1.4rem;
  background: #fff; border: 1px solid var(--line); padding: 1.2rem; width: min(680px, 92vw);
  box-shadow: 0 16px 40px rgba(0,0,0,.12);
}
.has-sub:hover .mega, .has-sub:focus-within .mega { display: grid; }
.mega-title { text-transform: uppercase; font-size: .7rem; letter-spacing: .1em; color: var(--red); font-weight: 800; margin: 0 0 .5rem; }
.mega a { display: block; padding: .3rem 0; font-weight: 600; color: var(--ink); font-size: .9rem; }
.mega a:hover { color: var(--red); }
.nav-search { display: flex; align-items: center; border: 1px solid var(--line); }
.nav-search input { border: 0; outline: none; font: inherit; padding: .5rem .7rem; width: 160px; background: transparent; font-size: .85rem; }
.nav-search button { border: 0; background: var(--brand); color: #fff; padding: 0 .9rem; align-self: stretch; cursor: pointer; }

/* ---------- content bands / sections ---------- */
.band { padding: 1.8rem 0; }
.band-alt { background: var(--bg-alt); }
.section-head { margin-bottom: 1.2rem; border-top: 3px solid var(--ink); padding-top: .55rem; }
.section-head h2 { margin: 0; }
.section-head .kicker { margin-bottom: .2rem; }

/* ---------- front page (home) ---------- */
.front-top { border-top: 3px solid var(--ink); }
.front-grid { display: grid; grid-template-columns: minmax(0, 2.1fr) minmax(0, 1fr); gap: 0; }
.front-lead { padding: 1.1rem 1.5rem 1.4rem 0; border-right: 1px solid var(--line); }
.front-side { padding: 1.1rem 0 1.4rem 1.5rem; }
.front-tagline { font-size: .82rem; color: var(--muted); text-transform: uppercase; letter-spacing: .1em; font-weight: 700; margin: 0 0 .4rem; }

.lead-story h1 { font-size: clamp(1.7rem, 3.4vw, 2.7rem); margin: .2rem 0 .5rem; }
.lead-story h1 a { color: var(--ink); }
.lead-story h1 a:hover { color: var(--brand); text-decoration: none; }
.lead-media { margin: 0 0 .9rem; background: var(--bg-alt); }
.lead-media img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.lead-summary { font-size: 1.05rem; color: var(--ink-2); }

.story-list { list-style: none; margin: 0; padding: 0; }
.story-list li { padding: .85rem 0; border-bottom: 1px solid var(--line); }
.story-list li:last-child { border-bottom: 0; }
.story-list h2, .story-list h3 { font-size: 1.12rem; font-family: var(--serif); margin: 0 0 .2rem; }
.story-list h2 a, .story-list h3 a { color: var(--ink); }
.story-list h2 a:hover, .story-list h3 a:hover { color: var(--brand); text-decoration: none; }
.story-list .meta { margin-top: .1rem; }

.rail-title { text-transform: uppercase; font-size: .74rem; letter-spacing: .08em; font-weight: 800; color: var(--ink); border-bottom: 2px solid var(--red); padding-bottom: .35rem; margin: 0 0 .6rem; }
.mostread { list-style: none; margin: 0 0 1.4rem; padding: 0; counter-reset: mr; }
.mostread li { display: flex; gap: .7rem; padding: .7rem 0; border-bottom: 1px solid var(--line); counter-increment: mr; }
.mostread li::before { content: counter(mr); font-family: var(--serif); font-size: 1.5rem; font-weight: 900; color: var(--line); line-height: 1; flex: 0 0 1.4rem; }
.mostread a { font-weight: 600; color: var(--ink); font-size: .97rem; }
.mostread a:hover { color: var(--brand); text-decoration: none; }

.section-head.has-link { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; flex-wrap: wrap; }
.read-all { font-size: .78rem; text-transform: uppercase; letter-spacing: .04em; font-weight: 700; white-space: nowrap; }

/* ---------- grids / cards (listing style) ---------- */
.grid { display: grid; gap: 0; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card { display: flex; flex-direction: column; border-top: 1px solid var(--line); padding: 1rem 0 1.1rem; }
.grid-2 .card, .grid-3 .card, .grid-4 .card { padding-right: 1.3rem; border-right: 1px solid var(--line); }
.grid-2 .card:nth-child(2n), .grid-3 .card:nth-child(3n), .grid-4 .card:nth-child(4n) { border-right: 0; padding-right: 0; }
.card:hover { background: transparent; }
.card-media { display: block; margin-bottom: .7rem; background: var(--bg-alt); }
.card-media img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.card-body { display: flex; flex-direction: column; gap: .25rem; }
.card-title { font-size: 1.18rem; margin: 0; }
.card-title a { color: var(--ink); }
.card-title a:hover { color: var(--brand); text-decoration: none; }
.card-excerpt { margin: 0; color: var(--ink-2); font-size: .93rem; }
.card-feature .card-title { font-size: 1.6rem; }
.card-empty { border-top: 0; }
.chip {
  display: inline-block; align-self: flex-start; font-size: .68rem; text-transform: uppercase;
  letter-spacing: .07em; font-weight: 800; color: var(--red); border-bottom: 2px solid var(--red);
  padding-bottom: 1px; margin-bottom: .35rem;
}
.chip:hover { text-decoration: none; color: var(--brand); border-color: var(--brand); }

/* ---------- generic page hero / breadcrumbs / prose ---------- */
.breadcrumbs { padding-top: .9rem; font-size: .78rem; text-transform: uppercase; letter-spacing: .03em; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .5rem; margin: 0; padding: 0; color: var(--muted); }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs li + li::before { content: "/"; margin-right: .5rem; color: var(--line); }
.page-hero { padding: 1rem 0 1.1rem; border-bottom: 3px solid var(--ink); margin-bottom: 1.4rem; }
.page-hero h1 { margin: .1rem 0 .5rem; }
.prose { max-width: 76ch; }
.prose h2 { margin-top: 1.7rem; }
.prose p { color: var(--ink-2); }
.legal-prose h2 { margin-top: 1.9rem; }
hr { border: 0; border-top: 1px solid var(--line); margin: 1.8rem 0; }
.help-list { display: grid; gap: 1rem; margin: 1rem 0; }
.help-item { border-left: 3px solid var(--red); padding-left: 1rem; }
.help-item h3 { margin: 0 0 .2rem; }
.help-item p { margin: 0; color: var(--muted); }
.disclaimer-card { background: var(--bg-alt); border: 1px solid var(--line); padding: 1.3rem; }
.notice { padding: .8rem 1rem; font-size: .9rem; }
.notice-warn { background: #fff8e1; border: 1px solid #f0d48a; color: #7a5b00; }

/* ---------- services ---------- */
.service-card { display: block; border-top: 1px solid var(--line); padding: 1.1rem 1.3rem 1.2rem 0; color: var(--ink); }
.service-card:hover { text-decoration: none; }
.service-card h2, .service-card h3 { margin-top: 0; }
.service-card:hover h3 { color: var(--brand); }
.service-card .tagline { color: var(--red); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .04em; }
.service-card p { color: var(--ink-2); font-size: .93rem; }
.offer { display: block; border-top: 1px solid var(--line); padding: 1.1rem 1.3rem 1.2rem 0; color: var(--ink); }
.offer:hover { text-decoration: none; }
.offer:hover h3 { color: var(--brand); }
.offer-icon { font-size: 1.4rem; }
.offer h3 { margin: .5rem 0 .3rem; }
.offer p { margin: 0; color: var(--ink-2); font-size: .92rem; }

.promise { border-top: 1px solid var(--line); padding: 1.1rem 1.3rem 1.2rem 0; }
.check-list { list-style: none; margin: 0; padding: 0; }
.check-list li { position: relative; padding: .35rem 0 .35rem 1.6rem; }
.check-list li::before { content: "\2713"; position: absolute; left: 0; color: var(--brand); font-weight: 900; }
.cross-list { list-style: none; margin: 0; padding: 0; }
.cross-list li { position: relative; padding: .35rem 0 .35rem 1.6rem; }
.cross-list li::before { content: "\2715"; position: absolute; left: 0; color: var(--red); font-weight: 900; }

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 0; counter-reset: step; }
.steps li { border-top: 1px solid var(--line); padding: 1rem 1.1rem 1.1rem 0; }
.step-no { display: inline-flex; align-items: center; justify-content: center; width: 30px; height: 30px; background: var(--brand); color: #fff; font-weight: 800; margin-bottom: .5rem; font-size: .85rem; }
.steps h3 { margin: 0 0 .3rem; font-size: 1.05rem; }
.steps p { margin: 0; font-size: .9rem; color: var(--muted); }

.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; font-weight: 700; padding: .9rem 0; color: var(--ink); font-family: var(--serif); font-size: 1.05rem; }
.faq-body { padding: 0 0 .9rem; }

/* ---------- forms / contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2.2rem; align-items: start; }
.contact-points { list-style: none; margin: 1rem 0; padding: 0; display: grid; gap: .4rem; }
.contact-points strong { display: inline-block; min-width: 74px; color: var(--ink); }
.lead-form, .service-cta { border: 1px solid var(--line); padding: 1.4rem; background: #fff; }
.field { margin-bottom: 1rem; }
.field label { display: block; font-weight: 700; font-size: .82rem; margin-bottom: .3rem; text-transform: uppercase; letter-spacing: .03em; }
.field input, .field textarea, .field select {
  width: 100%; font: inherit; padding: .6rem .7rem; border: 1px solid #c9c9c9; background: #fff; color: var(--ink);
}
.field input:focus, .field textarea:focus, .field select:focus { border-color: var(--brand); outline: none; box-shadow: 0 0 0 3px rgba(11,59,111,.12); }
.field textarea { resize: vertical; }
.err { color: var(--red); font-size: .78rem; display: block; min-height: 1em; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { font-size: .88rem; font-weight: 600; min-height: 1.2em; }
.form-status.ok { color: #15663b; }
.form-status.bad { color: var(--red); }

.quote { border-top: 1px solid var(--line); padding: 1.1rem 1.3rem 1.2rem 0; margin: 0; }
.quote p { font-family: var(--serif); font-size: 1.05rem; font-style: italic; }
.quote footer cite { font-style: normal; font-weight: 800; display: block; color: var(--ink); }
.quote footer span { font-size: .78rem; color: var(--muted); }
.placeholder-note { color: var(--red); font-weight: 600; }

/* ---------- service detail ---------- */
.service-top { display: grid; grid-template-columns: 1.35fr .9fr; gap: 2.2rem; align-items: start; padding-top: 1.1rem; }
.service-cta { position: sticky; top: 16px; }
.cta-card-title { font-size: 1.2rem; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 2.2rem; align-items: start; }
.who-card { background: var(--bg-alt); border: 1px solid var(--line); padding: 1.4rem; }
.benefit { display: flex; gap: .8rem; border-top: 1px solid var(--line); padding: 1rem 1.2rem 1rem 0; }
.benefit-no { flex: 0 0 28px; width: 28px; height: 28px; background: var(--brand); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-weight: 800; font-size: .8rem; }
.benefit p { margin: 0; font-size: .92rem; }

/* ---------- blog listing ---------- */
.blog-layout { display: grid; grid-template-columns: 1fr 300px; gap: 2.2rem; align-items: start; padding-top: 1.1rem; }
.blog-search { display: flex; gap: 0; margin-top: 1rem; max-width: 560px; }
.blog-search input { flex: 1; font: inherit; padding: .65rem .8rem; border: 1px solid #c9c9c9; border-right: 0; }
.blog-search button { border: 0; background: var(--brand); color: #fff; padding: 0 1rem; cursor: pointer; }
.post-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; }
.post-grid .card-feature { grid-column: 1 / -1; }
.result-count { text-transform: uppercase; font-size: .72rem; letter-spacing: .08em; color: var(--muted); font-weight: 700; }
.side-card { border-top: 2px solid var(--ink); padding: 1rem 0; margin-bottom: 1.4rem; }
.side-card h2 { font-size: .8rem; margin: 0 0 .7rem; text-transform: uppercase; letter-spacing: .06em; font-family: var(--sans); }
.cat-list, .link-list { list-style: none; margin: 0; padding: 0; }
.cat-list li, .link-list li { display: flex; justify-content: space-between; gap: .5rem; padding: .45rem 0; border-bottom: 1px solid var(--line); }
.cat-list .count { color: var(--muted); font-size: .8rem; }
.pagination { display: flex; align-items: center; gap: 1rem; justify-content: center; margin-top: 1.8rem; }
.page-link { padding: .5rem .9rem; border: 1px solid var(--line); font-weight: 700; font-size: .85rem; }
.page-link:hover { text-decoration: none; background: var(--brand); color: #fff; border-color: var(--brand); }
.page-info { font-size: .82rem; color: var(--muted); }
.empty-state { border: 1px dashed var(--line); padding: 2rem; text-align: center; }

/* ---------- article ---------- */
.article { padding-top: 1rem; }
.article-head { max-width: 800px; }
.article-head h1 { margin: .3rem 0 .5rem; }
.tag-list { list-style: none; display: flex; flex-wrap: wrap; gap: .5rem; padding: 0; margin: .7rem 0 0; }
.tag-list a { font-size: .76rem; border: 1px solid var(--line); padding: .2rem .55rem; color: var(--muted); }
.tag-list a:hover { color: var(--brand); border-color: var(--brand); text-decoration: none; }
.article-media { margin: 1.4rem 0; }
.article-media figcaption { font-size: .78rem; color: var(--muted); padding-top: .4rem; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 2.4rem; align-items: start; }
.article-body { font-size: 1.08rem; color: var(--ink-2); min-width: 0; }
.article-body h2 { margin-top: 1.9rem; scroll-margin-top: 80px; }
.article-body h3 { margin-top: 1.4rem; scroll-margin-top: 80px; }
.article-body p { margin-bottom: 1.1rem; }
.article-body ul, .article-body ol { padding-left: 1.3rem; }
.article-body blockquote { border-left: 4px solid var(--red); margin: 1.4rem 0; padding-left: 1rem; font-family: var(--serif); font-style: italic; font-size: 1.1rem; }
.article-side { position: sticky; top: 16px; display: flex; flex-direction: column; gap: 1.2rem; }
.toc { border-top: 2px solid var(--ink); padding: 1rem 0; }
.toc h2 { font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; font-family: var(--sans); }
.toc ol { margin: 0; padding-left: 1.1rem; }
.toc li { margin: .3rem 0; font-size: .87rem; }
.author-box { display: flex; gap: 1rem; align-items: flex-start; border-top: 1px solid var(--line); padding-top: 1.3rem; margin-top: 2.2rem; }
.author-avatar { flex: 0 0 48px; width: 48px; height: 48px; background: var(--brand); color: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--serif); font-size: 1.4rem; font-weight: 800; }
.author-box h2 { margin: 0 0 .3rem; font-size: 1rem; font-family: var(--sans); text-transform: uppercase; letter-spacing: .04em; }

/* ---------- notfound ---------- */
.notfound { padding: 2.4rem 0 3.4rem; max-width: 720px; }
.notfound-links { margin-top: 1.4rem; }



/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 .card:nth-child(2n) { border-right: 0; padding-right: 0; }
  .steps { grid-template-columns: repeat(3, 1fr); }

}
@media (max-width: 900px) {
  .front-grid, .contact-grid, .service-top, .two-col, .article-layout, .blog-layout { grid-template-columns: 1fr; }
  .front-lead { border-right: 0; padding-right: 0; }
  .front-side { padding-left: 0; border-top: 1px solid var(--line); }
  .article-side { position: static; }
  .post-grid, .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .masthead { flex-wrap: wrap; }
  .brand { margin: 0; }
  .burger { display: flex; }
  .mainnav { display: none; border-top-width: 1px; }
  body.nav-open .mainnav { display: block; }
  .menu { flex-direction: column; width: 100%; }
  .menu > li { border-bottom: 1px solid var(--line); }
  .menu > li > a { display: flex; padding: .9rem .2rem; }
  .mega { position: static; display: none !important; grid-template-columns: 1fr; width: auto; box-shadow: none; border: 0; padding: 0 0 .9rem; }
  .has-sub.open .mega { display: grid !important; }
  .sub-toggle { display: inline-block; position: absolute; right: 0; top: 6px; background: none; border: 1px solid var(--line); padding: 5px 10px; cursor: pointer; }
  .has-sub { position: relative; }
  .nav-search { margin: .2rem 0 1rem; }
}
@media (max-width: 620px) {
  body { font-size: 15.5px; }
  .grid-2, .grid-3, .grid-4, .post-grid { grid-template-columns: 1fr; }
  .grid-2 .card, .grid-3 .card, .grid-4 .card, .post-grid .card { border-right: 0; padding-right: 0; }
  .steps { grid-template-columns: 1fr; }

  .topbar-links { display: none; }
  .brand-name { font-size: 1.7rem; }
}
@media (prefers-reduced-motion: reduce) { * { scroll-behavior: auto !important; } }
@media print { .new-header-toi, .site-footer, .mainnav { display: none; } }