/* InsureIUL stylesheet, warm family look (2026-11-11 redesign). Direction "Lagoon and Apricot".
   White ground, apricot and lagoon washes, big documentary family photography, soft rounded cards, Fraunces headlines.
   Deep lagoon teal is the brand and the dark band, apricot is the action fill (dark ink on it).
   Siblings stay distinct. ProtectCasa is rose coral and aubergine, InsureTerm is green, Christian Protection is navy and gold,
   FindWholeLife is cream and oxblood, TruckersProtect is safety orange and asphalt, North Life Group is red and meridian blue.
   The logo uses the site colors, lagoon teal and apricot, through the --logo-* tokens (Ralph 2026-11-11).

   Fonts (Google Fonts, one request):
   https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400..650;1,9..144,400..500&family=Nunito+Sans:ital,opsz,wght@0,6..12,400..800;1,6..12,400&display=swap
*/

:root {
  color-scheme: light;

  /* ---------- Palette, light ---------- */
  --paper:        #ffffff;  /* page ground */
  --surface:      #ffffff;  /* cards, inputs, tables */
  --mist:         #e9f3f2;  /* lagoon wash: answer card, chips, channel */
  --sand:         #fdf2e7;  /* apricot wash: soft bands, calculator result */
  --zebra:        #f8fbfb;  /* every other table row */
  --ink:          #132a2d;  /* body text and headings */
  --ink-2:        #415659;  /* deks, secondary text */
  --ink-3:        #546a6d;  /* meta lines, captions (5.6 on sand) */
  --plum:         #0e5c62;  /* role name kept for the kit: lagoon teal, links and brand */
  --plum-hover:   #0a474c;
  --plum-deep:    #0c3d41;  /* dark bands, footer */
  --on-plum:      #ffffff;
  --on-plum-2:    #cfe3e1;
  --lime:         #f5a35a;  /* role name kept: apricot, action fill and highlighter. Never text on light grounds */
  --lime-hover:   #f29245;
  --on-lime:      #132a2d;
  --flag:         #b2381f;  /* non-guaranteed asterisk, warnings */
  --rule:         #e2e9e8;
  --rule-strong:  #7c8f91;  /* input borders (3.3 on white) */
  --focus:        #0e5c62;
  --focus-on-dark: #f5a35a;

  /* logo, kept exactly as drawn */
  --logo-bar:     #0e5c62;
  --logo-dot:     #f5a35a;

  /* ---------- Chart tokens (The Band) ---------- */
  --band-fill:      #fde6cf;          /* channel between floor and cap, apricot */
  --band-cap:       #c76a1c;          /* cap line, burnt apricot */
  --band-floor:     var(--ink-2);
  --bar-index:      #8aa0a2;          /* index outline, soft */
  --bar-credited:   var(--plum);      /* credited, lagoon */
  --bar-forgone:    var(--flag);
  --bar-absorbed:   var(--ink-3);
  --highlight:      var(--lime);

  /* ---------- Type ---------- */
  --font-display: "Fraunces", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --font-sans:    "Nunito Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-mono:    var(--font-sans);  /* the mono is retired, numbers use tabular figures of the body face */

  --fs-body:     1.0625rem;
  --lh-body:     1.65;
  --fs-small:    0.9375rem;
  --fs-meta:     0.875rem;
  --fs-lead:     clamp(1.1875rem, 1.08rem + 0.45vw, 1.4375rem);
  --fs-h1-home:  clamp(2.25rem, 1.7rem + 2.1vw, 3.375rem);
  --fs-h1:       clamp(2.125rem, 1.6rem + 2.2vw, 3.25rem);
  --fs-h2:       clamp(1.625rem, 1.38rem + 1.05vw, 2.25rem);
  --fs-h3:       clamp(1.1875rem, 1.1rem + 0.35vw, 1.375rem);
  --fs-number:   clamp(2rem, 1.5rem + 2vw, 3rem);
  --lh-display:  1.08;
  --lh-heading:  1.18;
  --tracking-display: -0.015em;
  --tracking-label:   0.01em;

  /* ---------- Space ---------- */
  --s-1: 0.25rem; --s-2: 0.5rem; --s-3: 0.75rem; --s-4: 1rem; --s-5: 1.5rem; --s-6: 2rem; --s-7: 3rem; --s-8: 4rem; --s-9: 6rem;
  --section-y: clamp(3rem, 2rem + 4vw, 5.5rem);
  --gutter:    clamp(1rem, 0.6rem + 1.8vw, 2rem);

  /* ---------- Width ---------- */
  --w-site:    75rem;
  --w-prose:   42.5rem;
  --w-wide:    55rem;
  --w-rail:    13.75rem;

  /* ---------- Shape ---------- */
  --radius-sm:   8px;
  --radius:      14px;
  --radius-lg:   22px;
  --radius-xl:   32px;
  --radius-pill: 999px;
  --border:      1px solid var(--rule);
  --border-ui:   1.5px solid var(--rule-strong);
  --shadow-1:    0 1px 2px rgba(19, 42, 45, 0.05), 0 4px 14px rgba(19, 42, 45, 0.05);
  --shadow-2:    0 2px 4px rgba(19, 42, 45, 0.05), 0 18px 40px -12px rgba(12, 61, 65, 0.20);

  /* ---------- Controls ---------- */
  --tap:        2.75rem;
  --input-h:    3.25rem;
  --focus-ring: 0 0 0 2px var(--paper), 0 0 0 4px var(--focus);

  /* ---------- Motion ---------- */
  --ease:     cubic-bezier(0.2, 0.7, 0.2, 1);
  --dur-fast: 140ms;
  --dur:      240ms;
}

/* ---------- Palette, dark (system setting) ---------- */
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    color-scheme: dark;
    --paper: #0f1a1b; --surface: #172527; --mist: #1c3133; --sand: #261f19; --zebra: #1a2b2d;
    --ink: #eef4f3; --ink-2: #b8c8c7; --ink-3: #9db0af;
    --plum: #82d3cc; --plum-hover: #a6e2dc; --plum-deep: #0a1415; --on-plum: #0f1a1b; --on-plum-2: #b8c8c7;
    --lime: #f5a35a; --lime-hover: #f7b678; --on-lime: #0f1a1b;
    --flag: #ff9277; --rule: #29393b; --rule-strong: #6f8587; --focus: #f5a35a;
    --logo-bar: #82d3cc;
    --band-fill: #3a2a1c; --band-cap: #f5a35a; --bar-index: #6f8587;
    --shadow-1: 0 1px 2px rgba(0,0,0,.4); --shadow-2: 0 2px 4px rgba(0,0,0,.4), 0 18px 40px -14px rgba(0,0,0,.7);
  }
}
/* ---------- Palette, dark (explicit toggle) ---------- */
:root[data-theme="dark"] {
  color-scheme: dark;
  --paper: #0f1a1b; --surface: #172527; --mist: #1c3133; --sand: #261f19; --zebra: #1a2b2d;
  --ink: #eef4f3; --ink-2: #b8c8c7; --ink-3: #9db0af;
  --plum: #82d3cc; --plum-hover: #a6e2dc; --plum-deep: #0a1415; --on-plum: #0f1a1b; --on-plum-2: #b8c8c7;
  --lime: #f5a35a; --lime-hover: #f7b678; --on-lime: #0f1a1b;
  --flag: #ff9277; --rule: #29393b; --rule-strong: #6f8587; --focus: #f5a35a;
  --logo-bar: #82d3cc;
  --band-fill: #3a2a1c; --band-cap: #f5a35a; --bar-index: #6f8587;
  --shadow-1: 0 1px 2px rgba(0,0,0,.4); --shadow-2: 0 2px 4px rgba(0,0,0,.4), 0 18px 40px -14px rgba(0,0,0,.7);
}

/* ---------- Role mapping (use these in components, not raw palette) ---------- */
:root {
  --bg:              var(--paper);
  --text:            var(--ink);
  --text-muted:      var(--ink-2);
  --text-meta:       var(--ink-3);
  --link:            var(--plum);
  --btn-primary-bg:  var(--lime);
  --btn-primary-fg:  var(--on-lime);
  --btn-primary-hov: var(--lime-hover);
  --band-dark-bg:    var(--plum-deep);
  --band-dark-fg:    #ffffff;
  --band-dark-fg-2:  #cfe3e1;
  --band-dark-cta:   var(--lime);
  --answer-bg:       var(--mist);
  --nonguaranteed:   var(--flag);
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) { --band-dark-bg: #0c2a2d; --band-dark-fg: #eef4f3; --band-dark-fg-2: #b8c8c7; }
}
:root[data-theme="dark"] { --band-dark-bg: #0c2a2d; --band-dark-fg: #eef4f3; --band-dark-fg-2: #b8c8c7; }


/* =====================================================================
   InsureIUL components. Direction "Lagoon and Apricot". Components use role tokens only.
   ===================================================================== */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 88px; }
body {
  margin: 0; background: var(--bg); color: var(--text);
  font: 400 var(--fs-body)/var(--lh-body) var(--font-sans); font-feature-settings: "kern";
  padding-top: env(safe-area-inset-top, 0px);
}
img, svg { max-width: 100%; }
a { color: var(--link); text-decoration-thickness: 1px; text-underline-offset: 0.18em; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: none; box-shadow: var(--focus-ring); border-radius: var(--radius-sm); }
[hidden] { display: none !important; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.wrap { max-width: var(--w-site); margin-inline: auto; padding-inline: max(var(--gutter), 16px); }
.narrow .prose { max-width: var(--w-prose); }
.skip { min-height: 44px; display: inline-flex; align-items: center; position: absolute; left: 16px; top: -200px; z-index: 100; background: var(--surface); color: var(--text); padding: 8px 12px; border-radius: var(--radius); }
.skip:focus { top: 8px; }
.mono, .num, td.num, .figure { font-family: var(--font-mono); font-variant-numeric: tabular-nums; }
.mark { background: linear-gradient(transparent 55%, #fbcf9f 55%, #fbcf9f 94%, transparent 94%); color: inherit; padding-inline: 0.12em; border-radius: 4px; }
/* In dark, light text never sits on lime. The marker becomes lime text with a lime underline. */
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .mark { background: none; color: var(--lime); text-decoration: underline 0.12em var(--lime); text-underline-offset: 0.18em; } }
:root[data-theme="dark"] .mark { background: none; color: var(--lime); text-decoration: underline 0.12em var(--lime); text-underline-offset: 0.18em; }
.ng::after { content: "*"; color: var(--nonguaranteed); font-weight: 600; margin-left: 0.08em; }
.kicker { font: 800 var(--fs-meta)/1.4 var(--font-sans); letter-spacing: 0.02em; color: var(--link); margin: 0 0 var(--s-3); }
.small { font-size: var(--fs-small); }
h1, h2 { font-family: var(--font-display); font-weight: 500; font-optical-sizing: auto; letter-spacing: var(--tracking-display); color: var(--text); }
h1 { font-size: var(--fs-h1); line-height: var(--lh-display); margin: 0 0 var(--s-4); }
h2 { font-size: var(--fs-h2); line-height: var(--lh-heading); margin: var(--s-7) 0 var(--s-4); }
h3 { font: 700 var(--fs-h3)/1.3 var(--font-sans); margin: var(--s-5) 0 var(--s-2); color: var(--text); }
h1 em, h2 em { font-style: italic; color: var(--link); }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--input-h); padding: 0 1.25rem;
  border-radius: var(--radius-pill); font: 700 1rem/1.2 var(--font-sans); text-decoration: none; border: 1px solid transparent; cursor: pointer;
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease); }
.btn-primary { background: var(--btn-primary-bg); color: var(--btn-primary-fg); }
.btn-primary:hover { background: var(--btn-primary-hov); }
.btn-line { background: var(--surface); color: var(--link); border: 1.5px solid var(--rule-strong); }
.btn-line:hover { border-color: var(--link); }
.linkbtn { background: none; border: 0; padding: 0; font: inherit; color: var(--link); text-decoration: underline; cursor: pointer; min-height: var(--tap); }

/* ---------- rate banner ---------- */
.ratebar { background: var(--sand); color: var(--text); font: 400 var(--fs-meta)/1.3 var(--font-sans); }
.ratebar .wrap { display: flex; min-height: 36px; align-items: center; }
.ratebar a, .ratebar .wrap > span { color: var(--text); text-decoration: none; display: flex; gap: 12px; min-width: 0; align-items: center; }
.ratebar .rb-lab { color: var(--link); font-weight: 800; letter-spacing: var(--tracking-label); flex: none; }
.ratebar .rb-txt { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; min-width: 0; }
.ratebar b { color: var(--text); font-weight: 800; }

/* ---------- header ---------- */
.hdr { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 40; background: var(--bg); border-bottom: var(--border); box-shadow: 0 6px 20px -16px rgba(19,42,45,.35); }
.hdr-in { display: flex; align-items: center; gap: var(--s-5); min-height: 70px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--text); min-height: var(--tap); flex: none; }
.logo-mark .lm-bar, .logo-mark .lm-stem { fill: var(--logo-bar); }
.logo-mark .lm-dot { fill: var(--logo-dot); }
.logo-mark.on-band .lm-bar, .logo-mark.on-band .lm-stem { fill: var(--band-dark-fg); }
.wm { font: 800 1.25rem/1 var(--font-sans); letter-spacing: -0.01em; color: inherit; }
.wm i { font: italic 500 1.55rem/1 var(--font-display); color: var(--logo-bar); margin-left: 1px; }
.foot .wm i { color: var(--logo-dot); }
.nav { display: flex; gap: var(--s-5); margin-left: var(--s-4); flex-wrap: wrap; }
.nav a { color: var(--text); text-decoration: none; font-size: var(--fs-small); font-weight: 700; padding: 10px 0; min-width: 44px; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }
.nav a:hover { color: var(--link); }
.hdr-phone { margin-left: auto; display: flex; flex-direction: column; align-items: flex-end; text-decoration: none; color: var(--text); line-height: 1.15; }
.hdr-phone b { font: 800 1rem var(--font-sans); }
.hdr-phone small { font-size: 0.75rem; color: var(--text-meta); }
.icobtn { display: inline-flex; align-items: center; justify-content: center; width: var(--tap); height: var(--tap); border-radius: var(--radius-pill);
  color: var(--text); border: 1px solid var(--rule-strong); background: var(--surface); text-decoration: none; cursor: pointer; }
.call-ico, .mnav { display: none; }
.mnav { position: relative; }
.mnav summary { list-style: none; flex-direction: column; gap: 4px; }
.mnav summary::-webkit-details-marker { display: none; }
.mnav summary i { display: block; width: 18px; height: 2px; background: currentColor; border-radius: 1px; }
.msheet { position: fixed; left: 0; right: 0; top: calc(56px + env(safe-area-inset-top, 0px)); bottom: 0; background: var(--bg); padding: var(--s-5) max(var(--gutter), 16px) calc(var(--s-6) + env(safe-area-inset-bottom, 0px));
  display: flex; flex-direction: column; gap: var(--s-1); overflow-y: auto; border-top: var(--border); z-index: 45; }
.msheet a:not(.btn) { color: var(--text); text-decoration: none; font: 500 1.625rem/1.2 var(--font-display); padding: 10px 0; border-bottom: var(--border); }
.msheet .btn { font: 600 1rem var(--font-sans); margin-top: var(--s-3); padding-block: 0; }
.msheet .btn-primary { border-color: transparent; }
@media (max-width: 1080px) { .nav { display: none; } .hdr-phone { display: none; } .call-ico, .mnav { display: inline-flex; } .hdr-cta { margin-left: auto; } }
@media (max-width: 720px) { .hdr-in { min-height: 56px; gap: var(--s-2); } .hdr-cta { display: none; } .call-ico { margin-left: auto; } }
.hdr-min .hdr-phone { display: flex; }
@media (max-width: 520px) { .hdr-min .hdr-phone { display: none; } .hdr-min .call-ico { display: inline-flex; margin-left: auto; } }

/* ---------- section rule, the mini band ---------- */
.miniband, hr { height: 6px; border: 0; border-radius: 6px; background: var(--mist); margin: var(--s-7) 0; }

/* ---------- hero and the Band ---------- */
.hero { padding-block: clamp(2.5rem, 1.5rem + 3vw, 4.5rem) var(--s-6); }
.hero h1 { font-size: var(--fs-h1-home); max-width: 21ch; margin-bottom: var(--s-4); }
.hero { isolation: isolate; }
.hero .dek { font-size: clamp(1.0625rem, 1rem + 0.3vw, 1.25rem); color: var(--text-muted); max-width: 44rem; margin: 0 0 var(--s-5); }
.hero-act { display: flex; gap: var(--s-3); flex-wrap: wrap; margin-bottom: var(--s-4); }
@media (max-width: 600px) { .hero-act .btn { width: 100%; } }
.hero .metaline { margin-bottom: var(--s-6); }
.band { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: var(--s-5) var(--s-6); background: var(--surface); border: var(--border);
  border-radius: var(--radius-xl); padding: var(--s-6); box-shadow: var(--shadow-2); margin: var(--s-5) 0; }
.band-chart { min-width: 0; }
.band-svg { display: block; width: 100%; height: auto; overflow: visible; }
.band-side { display: flex; flex-direction: column; gap: var(--s-4); }
.band-lab { font: 700 var(--fs-meta)/1.4 var(--font-mono); letter-spacing: var(--tracking-label); color: var(--text-meta); margin: 0; }
.band-big { font: 500 var(--fs-number)/1.1 var(--font-display); margin: var(--s-1) 0 var(--s-3); color: var(--text); }
.band-big small { font: 400 var(--fs-small) var(--font-sans); color: var(--text-muted); }
.band-sum { margin: 0; display: grid; gap: 6px; }
.band-sum div { display: flex; justify-content: space-between; gap: var(--s-3); border-top: var(--border); padding-top: 6px; }
.band-sum dt { color: var(--text-muted); font-size: var(--fs-small); }
.band-sum dd { margin: 0; font: 700 var(--fs-small) var(--font-mono); font-variant-numeric: tabular-nums; color: var(--text); text-align: right; }
.band-ctl { display: grid; gap: var(--s-2); }
.rng { display: grid; gap: 2px; font-size: var(--fs-small); color: var(--text-muted); }
.rng span { display: flex; justify-content: space-between; }
.rng b { font: 800 var(--fs-small) var(--font-mono); color: var(--text); font-variant-numeric: tabular-nums; }
.rng input { width: 100%; min-height: var(--tap); accent-color: var(--link); margin: 0; cursor: pointer; }
.band-fine { grid-column: 1 / -1; font-size: var(--fs-meta); color: var(--text-meta); margin: 0; border-top: var(--border); padding-top: var(--s-3); }
.b-chan { fill: var(--band-fill); }
.b-cap { stroke: var(--band-cap); stroke-width: 2.5; stroke-linecap: round; }
.b-floor { stroke: var(--band-floor); stroke-width: 1.5; stroke-dasharray: 5 4; }
.b-zero { stroke: var(--rule-strong); stroke-width: 1; }
.b-index { fill: none; stroke: var(--bar-index); stroke-width: 1.25; rx: 4px; }
.b-cred { fill: var(--bar-credited); rx: 4px; }
.b-forgone { fill: url(#hatch-flag); }
.b-absorbed { fill: url(#hatch-ink); }
.b-hatch-flag { stroke: var(--bar-forgone); stroke-width: 1.5; }
.b-hatch-ink { stroke: var(--bar-absorbed); stroke-width: 1.5; }
.b-sel { fill: rgba(245,163,90,.12); stroke: var(--highlight); stroke-width: 2.5; rx: 10px; }
.b-lab { fill: var(--text-meta); font: 600 12px var(--font-sans); }
.b-lab-strong { fill: var(--text); font: 800 12px var(--font-sans); }
.b-hit { fill: transparent; cursor: pointer; }
.legend { list-style: none; display: flex; flex-wrap: wrap; gap: 6px var(--s-4); padding: 0; margin: var(--s-3) 0 0; font-size: var(--fs-meta); color: var(--text-muted); }
.legend li { display: inline-flex; align-items: center; gap: 6px; }
.legend i { width: 14px; height: 14px; border-radius: 4px; display: inline-block; flex: none; }
.k-cred { background: var(--bar-credited); }
.k-forgone { background: repeating-linear-gradient(45deg, var(--bar-forgone) 0 2px, transparent 2px 5px); outline: 1px solid var(--bar-forgone); }
.k-absorbed { background: repeating-linear-gradient(45deg, var(--bar-absorbed) 0 2px, transparent 2px 5px); outline: 1px solid var(--bar-absorbed); }
.k-chan { background: var(--band-fill); box-shadow: inset 0 2px 0 var(--band-cap); }
.k-line { background: var(--link); height: 4px !important; border-radius: 2px !important; }
.k-ink { background: var(--band-cap); height: 4px !important; border-radius: 2px !important; }
.k-flag { background: var(--flag); }
@media (max-width: 900px) { .band { grid-template-columns: minmax(0, 1fr); padding: var(--s-4); border-radius: var(--radius-lg); } }

/* ---------- page head ---------- */
.phead { padding-block: var(--s-6) var(--s-4); }
.phead h1 { max-width: 20ch; }
.crumbs { font-size: 0.875rem; color: var(--text-meta); margin-bottom: var(--s-4); display: flex; flex-wrap: wrap; gap: 6px; align-items: center; }
.crumbs a { color: var(--text-meta); min-height: 44px; min-width: 44px; display: inline-flex; align-items: center; }
.lead { font: 400 var(--fs-lead)/1.5 var(--font-sans); color: var(--text-muted); max-width: 40rem; margin: 0 0 var(--s-4); }
.metaline { display: flex; flex-wrap: wrap; gap: 6px 0; font: 600 var(--fs-meta)/1.5 var(--font-sans); color: var(--text-meta); margin: 0; }
.metaline span:not(:last-child)::after { content: "·"; margin: 0 10px; }
.metaline a { color: var(--text-meta); }
.stamp { background: var(--mist); color: var(--text); padding: 1px 10px; border-radius: var(--radius-pill); }

/* ---------- article layout ---------- */
.article { display: grid; grid-template-columns: var(--w-rail) minmax(0, var(--w-prose)); gap: var(--s-7); align-items: start; padding-bottom: var(--s-7); }
.rail { position: sticky; top: 88px; max-height: calc(100vh - 110px); overflow-y: auto; padding-top: var(--s-2); }
.toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 2px; }
.toc a { display: flex; gap: 10px; align-items: flex-start; color: var(--text-muted); text-decoration: none; font-size: 0.875rem; line-height: 1.35; padding: 6px 0; }
.toc a::before { content: ""; flex: none; width: 8px; height: 8px; margin-top: 6px; border-radius: 50%; background: var(--rule); box-shadow: inset 0 0 0 1.5px var(--rule-strong); }
.toc a.on { color: var(--text); }
.toc a.on { font-weight: 700; }
.toc a.on::before { background: var(--lime); box-shadow: none; }
.toc-m { display: none; }
@media (max-width: 1080px) {
  .article { grid-template-columns: minmax(0, 1fr); gap: 0; }
  .rail { display: none; }
  .prose { max-width: var(--w-prose); }
  .toc-m { display: block; position: sticky; top: calc(56px + env(safe-area-inset-top, 0px)); z-index: 30; background: var(--bg); border-block: var(--border); margin: var(--s-5) calc(-1 * max(var(--gutter), 16px)); padding: 0 max(var(--gutter), 16px); }
  .toc-m summary { list-style: none; display: flex; gap: var(--s-3); align-items: center; min-height: 48px; cursor: pointer; }
  .toc-m summary::-webkit-details-marker { display: none; }
  .toc-m summary::after { content: "+"; margin-left: auto; font: 700 1.25rem var(--font-sans); color: var(--link); }
  .toc-m[open] summary::after { content: "−"; }
  .tm-lab { font: 700 var(--fs-meta) var(--font-mono); letter-spacing: var(--tracking-label); color: var(--text-meta); flex: none; }
  .tm-cur { font-size: var(--fs-small); color: var(--text); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; min-width: 0; }
  .toc-m ol { margin: 0 0 var(--s-3); padding-left: 1.25rem; max-height: 60vh; overflow-y: auto; }
  .toc-m li a { display: block; padding: 8px 0; color: var(--text); }
}

/* ---------- prose ---------- */
.prose { min-width: 0; }
.prose > :first-child { margin-top: 0; }
.prose p, .prose ul, .prose ol { margin: 0 0 var(--s-4); }
.prose ul, .prose ol { padding-left: 1.25rem; }
.prose li { margin-bottom: 6px; }
.prose li::marker { color: var(--text-meta); }
.prose .casefile, .prose .routes, .prose .toolcards, .prose .steps3, .prose .worklist, .prose .hublist, .prose .steps, .prose .legend, .prose .gvn ul, .prose .promises { padding-left: 0; }
.prose h2 { scroll-margin-top: 120px; }
.prose strong { font-weight: 600; }
.prose sup a { text-decoration: none; font: 500 0.75em var(--font-mono); padding: 0 2px; }
.prose code { font: 0.9em var(--font-mono); background: var(--mist); padding: 1px 4px; border-radius: var(--radius-sm); }
.ng-key { font-size: var(--fs-meta); color: var(--text-meta); margin-top: var(--s-6); }

/* ---------- straight answer ---------- */
.answer { background: var(--answer-bg); border-radius: var(--radius-lg); padding: var(--s-5) var(--s-6); margin: 0 0 var(--s-5); }
.answer .ans-lab { display: inline-block; font: 800 var(--fs-meta)/1.4 var(--font-sans); letter-spacing: 0.02em; color: var(--on-lime); background: var(--lime); padding: 3px 12px; border-radius: var(--radius-pill); margin: 0 0 var(--s-2); }
.answer > p { font-size: 1.125rem; margin: 0 0 var(--s-3); }
.answer > p:last-child { margin-bottom: 0; }
.keynums { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: var(--s-3); margin: var(--s-4) 0 0; }
.keynums > div { background: var(--surface); border-radius: var(--radius); padding: var(--s-3) var(--s-4); }
.keynums div { margin: 0; }
.keynums dd { font: 500 1.75rem/1.1 var(--font-display); margin: 0 0 4px; color: var(--text); }
.keynums dt { font-size: var(--fs-small); color: var(--text-muted); }
.keynums div { display: flex; flex-direction: column-reverse; }
.keynums .key { order: -1; }
.answer .asof { font: 400 var(--fs-meta)/1.5 var(--font-sans); color: var(--text-meta); margin: var(--s-3) 0 0; }
@media (max-width: 520px) { .keynums { grid-template-columns: 1fr 1fr; } }

/* ---------- ground rules strip ---------- */
.rules { border: 0; border-radius: var(--radius-lg); background: var(--sand); padding: var(--s-3) var(--s-4); margin: 0 0 var(--s-5); }
.rules p { margin: 0; font-size: var(--fs-small); color: var(--text-muted); }
.rules b { color: var(--text); font-weight: 600; }

/* ---------- fact boxes ---------- */
.facts { display: grid; grid-template-columns: minmax(8rem, max-content) 1fr; gap: 0; margin: var(--s-4) 0 var(--s-5); background: var(--surface); border: var(--border); border-radius: var(--radius-lg); padding: var(--s-2) var(--s-5); }
.facts dt:last-of-type, .facts dd:last-of-type { border-bottom: 0; }
.facts dt, .facts dd { padding: 10px 0; border-bottom: var(--border); margin: 0; }
.facts dt { font: 800 var(--fs-meta)/1.5 var(--font-sans); letter-spacing: 0.01em; color: var(--text-meta); padding-right: var(--s-4); padding-top: 13px; }
.facts dd { font-size: 1rem; }
@media (max-width: 520px) { .facts { grid-template-columns: 1fr; } .facts dt { border-bottom: 0; padding-bottom: 0; } }
.gvn { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-3); margin: var(--s-5) 0; }
.gvn > .g { background: var(--mist); border-radius: var(--radius-lg); }
.gvn > .n { background: var(--sand); border-radius: var(--radius-lg); }
.gvn > div { padding: var(--s-4) var(--s-5); }

.gvn .lab { font: 700 var(--fs-meta)/1.4 var(--font-mono); letter-spacing: var(--tracking-label); color: var(--text-meta); margin: 0 0 var(--s-2); }
.gvn ul { list-style: none; padding: 0; margin: 0; }
.gvn li { padding-left: 1.5rem; position: relative; margin-bottom: 8px; }
.gvn .g li::before { content: ""; position: absolute; left: 2px; top: 0.45em; width: 10px; height: 6px; border-left: 2px solid var(--link); border-bottom: 2px solid var(--link); transform: rotate(-45deg); }
.gvn .n li::before { content: "*"; position: absolute; left: 4px; top: -1px; color: var(--nonguaranteed); font-weight: 700; font-size: 1.1em; }
@media (max-width: 620px) { .gvn { grid-template-columns: 1fr; } }
.check { background: var(--surface); border: var(--border); border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); margin: var(--s-5) 0; box-shadow: var(--shadow-1); }
.check .lab, .watch .lab, .note .lab { font: 700 var(--fs-meta)/1.4 var(--font-mono); letter-spacing: var(--tracking-label); color: var(--text-meta); margin: 0 0 var(--s-2); }
.check .figure { display: block; font-size: var(--fs-number); line-height: 1.1; margin: 0 0 var(--s-2); color: var(--text); }
.check p:last-child, .watch p:last-child, .note p:last-child { margin-bottom: 0; }
.watch { background: var(--surface); border: 1.5px solid var(--flag); border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); margin: var(--s-5) 0; }
.watch .lab { color: var(--flag); }
.note { background: var(--sand); border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); margin: var(--s-5) 0; }
.note.fine { background: transparent; border: 1px dashed var(--rule-strong); }

/* ---------- tables ---------- */
.tw { overflow-x: auto; margin: var(--s-5) 0 var(--s-2); border: var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-1); background-color: var(--surface);
  background-image: linear-gradient(to right, var(--surface), var(--surface)), linear-gradient(to left, var(--surface) 30%, rgba(0,0,0,0)), linear-gradient(to left, rgba(29,22,37,0.14), rgba(0,0,0,0));
  background-position: 0 0, 100% 0, 100% 0; background-size: 0 100%, 40px 100%, 14px 100%; background-repeat: no-repeat; background-attachment: local, local, scroll; }
@media (min-width: 1081px) { .prose .tw, .prose .calc, .prose figure.drawing, .prose .band { width: min(var(--w-wide), calc(100vw - 2 * var(--gutter) - var(--w-rail) - var(--s-7))); } }
.tw table { border-collapse: collapse; width: 100%; min-width: 34rem; font-size: 0.9375rem; }
.tw th, .tw td { text-align: left; padding: 12px 16px; border-bottom: var(--border); vertical-align: top; }
.tw thead th { font: 800 0.8125rem/1.3 var(--font-sans); letter-spacing: 0.01em; color: var(--text-muted); border-bottom: 0; white-space: nowrap; background: var(--mist); }
.tw tbody tr:nth-child(even) > * { background: var(--zebra); }
.tw tbody tr:last-child > * { border-bottom: 0; }
.tw th:first-child, .tw td:first-child { position: sticky; left: 0; background: var(--surface); z-index: 1; }
.tw thead th:first-child { background: var(--mist); }
.tw .num { text-align: right; white-space: nowrap; }
.tcap { font-size: var(--fs-meta); color: var(--text-meta); margin: 0 0 var(--s-5); line-height: 1.5; }
.matrix .yes, .matrix .no, .matrix .part { font: 700 0.8125rem var(--font-sans); padding: 2px 10px; border-radius: var(--radius-pill); white-space: nowrap; }
.matrix .yes { background: var(--mist); color: var(--link); }
.matrix .no { border: 1px solid var(--flag); color: var(--flag); }
.matrix .part { border: 1px solid var(--rule-strong); color: var(--text-muted); }
.tag { display: inline-block; font: 700 0.75rem/1.4 var(--font-sans); padding: 2px 10px; border-radius: var(--radius-pill); border: 1px solid var(--rule-strong); color: var(--text-muted); white-space: nowrap; }
.tag-fresh { background: var(--mist); border-color: transparent; color: var(--link); }
.tag-stale { border-color: var(--flag); color: var(--flag); }

/* rate board and tracker */
.rates th[scope="row"] { min-width: 11rem; }
.rc-ins { display: block; font-weight: 600; }
.rc-prod { display: block; font-size: var(--fs-small); color: var(--text-muted); }
.rates td.num span { font-size: 1.1875rem; font-weight: 800; }
.rates td.num small { display: block; font: 600 0.75rem var(--font-sans); color: var(--text-meta); }
.rates td .mono { display: block; font-size: 0.875rem; }
.spark .sp-band { fill: var(--band-fill); }
.spark .sp-cap { stroke: var(--band-cap); stroke-width: 2.5; stroke-linecap: round; }
.spark .sp-floor { stroke: var(--band-floor); stroke-width: 1.5; stroke-dasharray: 3 2; }
.spark-cell { width: 136px; }
@media (max-width: 760px) {
  .rates.board { border: 0; background: none; overflow: visible; box-shadow: none; }
  .rates.board table, .rates.board tbody { display: block; min-width: 0; }
  .rates.board thead { display: none; }
  .rates.board tr { display: grid; grid-template-columns: 1fr 1fr; gap: 8px var(--s-4); background: var(--surface); border: var(--border); border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); margin-bottom: var(--s-3); box-shadow: var(--shadow-1); }
  .rates.board tbody tr:nth-child(even) > * { background: none; }
  .rates.board th, .rates.board td { position: static; padding: 0; border: 0; background: none; text-align: left; white-space: normal; }
  .rates.board th[scope="row"] { grid-column: 1 / -1; min-width: 0; }
  .rates.board td::before { content: attr(data-l); display: block; font: 800 0.75rem/1.4 var(--font-sans); color: var(--text-meta); }
  .rates.board td.num:nth-of-type(2) { grid-column: 1 / -1; }
  .rates.board td.num:nth-of-type(2) span { font: 500 2.25rem/1.1 var(--font-display); }
  .rates.board td.num small { display: none; }
  .rates.board td:nth-of-type(1), .rates.board td:nth-of-type(6) { grid-column: 1 / -1; }
  .rates.board .spark-cell { display: none; }
}

/* ---------- case file ---------- */
.casefile { list-style: none; padding: 0; margin: var(--s-4) 0; display: grid; gap: var(--s-3); }
.casefile li { background: var(--surface); border: var(--border); border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); margin: 0; box-shadow: var(--shadow-1); }
.casefile h3 { margin: var(--s-2) 0; font-size: 1.125rem; }
.casefile p { margin: 0 0 var(--s-2); }
.cf-top { display: flex; flex-wrap: wrap; gap: 8px var(--s-3); align-items: center; font-size: 0.875rem; color: var(--text-meta); }
.cf-src { font-size: var(--fs-meta); color: var(--text-meta); }
.cf-src a { color: var(--link); }

/* ---------- hub lists, route cards, tool cards ---------- */
.hublist { list-style: none; padding: 0; margin: var(--s-4) 0; border-top: var(--border); }
.hublist li { padding: var(--s-3) 0; border-bottom: var(--border); margin: 0; display: grid; gap: 2px; }
.hublist a { font-weight: 800; text-decoration: none; color: var(--text); }
.hublist a:hover { color: var(--link); text-decoration: underline; }
.hublist span { color: var(--text-muted); font-size: var(--fs-small); }
.empty { color: var(--text-muted); border: 1px dashed var(--rule-strong); border-radius: var(--radius-lg); padding: var(--s-4); }
.routes, .toolcards { list-style: none; padding: 0; margin: var(--s-4) 0 var(--s-5); display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: var(--s-3); }
.routes li, .toolcards li { margin: 0; }
.routes a, .toolcards a { display: flex; flex-direction: column; gap: 6px; height: 100%; min-height: 72px; padding: var(--s-5); background: var(--surface); border: var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-1);
  text-decoration: none; color: var(--text); transition: border-color var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease); }
.routes a:hover, .toolcards a:hover { border-color: var(--link); box-shadow: var(--shadow-2); }
.routes b, .toolcards b { font-weight: 800; font-size: 1.0625rem; }
.routes span, .toolcards span { color: var(--text-muted); font-size: var(--fs-small); }
.r-art { margin-bottom: 4px; }
.r-ink { fill: none; stroke: var(--text); stroke-width: 2; stroke-linecap: round; }
.r-plum { fill: none; stroke: var(--link); stroke-width: 3; stroke-linecap: round; }
.r-box { fill: var(--mist); stroke: var(--rule-strong); stroke-width: 1.5; }
.r-flag { fill: var(--flag); }
.r-lime { fill: var(--lime); }
@media (max-width: 600px) { .routes, .toolcards { grid-template-columns: 1fr; } .routes a { flex-direction: row; flex-wrap: wrap; align-items: center; } .routes .r-art { width: 44px; height: 42px; } .routes b { flex: 1 1 60%; } .routes span { flex-basis: 100%; } }

/* steps with small diagrams */
.steps3 { list-style: none; padding: 0; margin: var(--s-4) 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s-4); counter-reset: st; }
.steps3 li { background: var(--sand); border: 0; border-radius: var(--radius-lg); padding: var(--s-5); margin: 0; }
.steps3 li > p:first-of-type { font: 700 var(--fs-meta) var(--font-mono); color: var(--text-meta); letter-spacing: var(--tracking-label); margin: var(--s-2) 0; }
.steps3 h3 { margin-top: 0; }
.steps3 svg { display: block; width: 100%; height: auto; max-height: 90px; }
@media (max-width: 760px) { .steps3 { grid-template-columns: 1fr; } }
.steps { padding-left: 0; list-style: none; counter-reset: s; }
.steps li { counter-increment: s; position: relative; padding-left: 2.75rem; margin-bottom: var(--s-3); }
.steps li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 1.9rem; height: 1.9rem; border-radius: 50%; background: var(--mist);
  color: var(--link); font: 800 0.9375rem/1.9rem var(--font-sans); text-align: center; }
.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-3); margin: var(--s-5) 0; }
.proscons > div { background: var(--surface); border: var(--border); border-radius: var(--radius-lg); padding: var(--s-4); }
.proscons .lab { font: 700 var(--fs-meta) var(--font-mono); letter-spacing: var(--tracking-label); color: var(--text-meta); margin: 0 0 var(--s-2); }
.proscons ul { margin: 0; }
.cons { background: var(--sand) !important; border: 0 !important; }
.pros { background: var(--mist) !important; border: 0 !important; }
@media (max-width: 620px) { .proscons { grid-template-columns: 1fr; } }

/* ---------- diagrams ---------- */
figure.drawing { margin: var(--s-5) 0; background: var(--surface); border: var(--border); border-radius: var(--radius-lg); padding: var(--s-5); box-shadow: var(--shadow-1); }
figure.drawing svg { display: block; width: 100%; height: auto; }
figure.drawing figcaption { font: 600 var(--fs-meta)/1.5 var(--font-sans); color: var(--text-meta); margin-top: var(--s-3); border-top: var(--border); padding-top: var(--s-2); }
.d-line { fill: none; stroke: var(--link); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.d-ink { fill: none; stroke: var(--band-cap); stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.d-flag { fill: none; stroke: var(--flag); stroke-width: 2; stroke-dasharray: 5 4; }
.d-cred { fill: var(--bar-credited); }
.d-chan { fill: var(--band-fill); }
.d-dot { fill: var(--lime); stroke: var(--surface); stroke-width: 2.5; }
.d-dot-flag { fill: var(--flag); }
.d-box { fill: var(--surface); stroke: var(--rule-strong); stroke-width: 1.5; rx: 10px; }
.d-boxsoft { fill: var(--mist); stroke: var(--link); stroke-width: 1.5; rx: 10px; }
.d-grid { stroke: var(--rule); stroke-width: 1; }
.d-axis { stroke: var(--rule-strong); stroke-width: 1.5; }
.d-lab { fill: var(--text-meta); font: 600 12.5px var(--font-sans); }
.d-lab-strong { fill: var(--text); font: 800 12.5px var(--font-sans); }
.d-text { fill: var(--text); font: 400 14px var(--font-sans); }
.d-big { fill: var(--text); font: 500 22px var(--font-display); }
@media (max-width: 560px) { figure.drawing svg text:not(.keep) { display: none; } }

/* ---------- calculators ---------- */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--s-4); margin: var(--s-5) 0; }
.calc-in { background: var(--surface); border: var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-1); padding: var(--s-5); display: grid; gap: var(--s-3); align-content: start; }
.calc-title { font: 800 1.0625rem var(--font-sans); margin: 0; }
.fld { display: grid; gap: 6px; font-size: var(--fs-small); color: var(--text); font-weight: 700; }
.fld input, .fld select, .fld textarea { width: 100%; min-height: var(--input-h); padding: 0 14px; font: 400 1.0625rem var(--font-sans); color: var(--text); background: var(--surface);
  border: var(--border-ui); border-radius: var(--radius); }
.fld input:focus, .fld select:focus { outline: none; box-shadow: var(--focus-ring); }
.fld small, .help { font-weight: 400; color: var(--text-meta); font-size: var(--fs-meta); }
.fld-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-3); align-items: start; }
.chk { display: flex; gap: 10px; align-items: center; min-height: var(--tap); font-size: var(--fs-small); }
.chk input { width: 20px; height: 20px; accent-color: var(--link); }
.calc-out { background: var(--sand); color: var(--text); border-radius: var(--radius-lg); padding: var(--s-5); box-shadow: var(--shadow-1); display: flex; flex-direction: column; gap: var(--s-2); }
.calc-big-lab { font: 800 var(--fs-meta) var(--font-sans); color: var(--text-muted); }
.calc-big { font: 500 var(--fs-number)/1.1 var(--font-display); color: var(--link); font-variant-numeric: tabular-nums; }
.calc-sum { margin: var(--s-2) 0; display: grid; gap: 6px; }
.calc-sum div { display: flex; justify-content: space-between; gap: var(--s-3); border-top: 1px solid rgba(124,143,145,.35); padding-top: 6px; }
.calc-sum dt { color: var(--text-muted); font-size: var(--fs-small); }
.calc-sum dd { margin: 0; font: 800 var(--fs-small) var(--font-mono); color: var(--text); text-align: right; font-variant-numeric: tabular-nums; }
.calc-warn { color: var(--text); border-left: 3px solid var(--flag); padding-left: 10px; font-size: var(--fs-small); margin: 0; }
.calc-note { color: var(--text-muted); font-size: var(--fs-meta); margin: 0; }
.calc-note a, .calc-out a:not(.btn) { color: var(--link); }
.calc-act { margin-top: auto; padding-top: var(--s-3); }
.eb-card .btn-primary { background: var(--band-dark-cta); color: var(--on-lime); }

.calc-mini:focus-visible, .eb-card :focus-visible, .foot :focus-visible { box-shadow: 0 0 0 2px var(--band-dark-bg), 0 0 0 4px var(--focus-on-dark); }
.calc-honest { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-3); grid-column: 1 / -1; font-size: var(--fs-small); }
.calc-honest > div { border: 0; border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); background: var(--mist); }
.calc-honest .lab { font: 700 var(--fs-meta) var(--font-mono); letter-spacing: var(--tracking-label); color: var(--text-meta); margin: 0 0 6px; }
.calc-honest ul { margin: 0; padding-left: 1.1rem; }
.calc-formula { grid-column: 1 / -1; font-size: var(--fs-small); }
.calc-formula summary { cursor: pointer; min-height: var(--tap); display: flex; align-items: center; color: var(--link); font-weight: 600; }
.privacy-line { grid-column: 1 / -1; font-size: var(--fs-meta); color: var(--text-meta); margin: 0; }
.calc-mini { display: none; }
@media (max-width: 760px) {
  .calc { grid-template-columns: 1fr; }
  .calc-honest { grid-template-columns: 1fr; }
  .fld-row { grid-template-columns: 1fr; }
  .calc-mini { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 35; align-items: center; justify-content: space-between; gap: var(--s-3);
    min-height: calc(56px + env(safe-area-inset-bottom, 0px)); padding: 6px 16px calc(6px + env(safe-area-inset-bottom, 0px)); background: var(--band-dark-bg); color: var(--band-dark-fg);
    border: 0; font: 500 var(--fs-small) var(--font-sans); width: 100%; text-align: left; cursor: pointer; }
  .calc-mini b { font: 800 1.25rem var(--font-sans); color: var(--band-dark-cta); }
  .calc-mini[data-off] { display: none; }
}

/* ---------- FAQ and sources ---------- */
.faq { margin: var(--s-4) 0; display: grid; gap: var(--s-2); }
.faq details { background: var(--surface); border: var(--border); border-radius: var(--radius); padding: 0 var(--s-5); }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: var(--s-3); align-items: center; min-height: 56px; font-weight: 800; padding: var(--s-2) 0; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font: 700 1.25rem var(--font-sans); color: var(--on-lime); background: var(--lime); width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; flex: none; }
.faq details[open] summary::after { content: "−"; }
.faq details p { margin: 0 0 var(--s-4); color: var(--text-muted); }
.sources { font-size: var(--fs-small); color: var(--text-muted); padding-left: 1.5rem; }
.sources li { margin-bottom: 8px; word-break: break-word; }
.sources li::marker { font-weight: 700; }

/* ---------- home body ---------- */
.home-body { padding-bottom: var(--s-7); }
.prose-home { max-width: 60rem; }
.prose-home > p { max-width: var(--w-prose); }
.prose-home h2:first-child { margin-top: var(--s-5); }
.stat { display: flex; flex-wrap: wrap; align-items: baseline; gap: var(--s-2) var(--s-5); background: var(--sand); border: 0; border-radius: var(--radius-lg); padding: var(--s-5) var(--s-6); margin: var(--s-4) 0; }
.stat .figure { font: 500 clamp(2.5rem, 1.8rem + 3vw, 4rem)/1 var(--font-display); color: var(--text); }
.stat p { margin: 0; max-width: 34rem; color: var(--text-muted); }
.worklist { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: var(--s-4); margin: var(--s-4) 0; }
.worklist li { background: var(--mist); border-radius: var(--radius-lg); padding: var(--s-4) var(--s-5); margin: 0; }
.worklist b { display: block; margin-bottom: 4px; }
.worklist span { color: var(--text-muted); font-size: var(--fs-small); }

/* ---------- end band, a photo card ---------- */
.endband { padding-block: var(--s-6) var(--section-y); }
.eb-card { background: var(--band-dark-bg); color: var(--band-dark-fg); border-radius: var(--radius-xl); overflow: hidden; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
.eb-photo { margin: 0; min-height: 100%; }
.eb-photo img { display: block; width: 100%; height: 100%; object-fit: cover; object-position: 50% 60%; }
.endband-in { display: grid; grid-template-columns: 1fr; gap: var(--s-5); align-items: start; padding: clamp(1.5rem, 1rem + 2.5vw, 3rem); }
.eb-card .chips { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 34rem; }
.eb-card .kicker { color: var(--band-dark-cta); }
.eb-card h2 { color: var(--band-dark-fg); margin: 0 0 var(--s-4); }
.promises { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; color: var(--band-dark-fg-2); }
.promises li { padding-left: 1.6rem; position: relative; }
.promises li::before { content: ""; position: absolute; left: 2px; top: 0.4em; width: 10px; height: 6px; border-left: 2px solid var(--band-dark-cta); border-bottom: 2px solid var(--band-dark-cta); transform: rotate(-45deg); }
.eb-q { font: 800 1.0625rem var(--font-sans); margin: 0 0 var(--s-3); color: var(--band-dark-fg); }
.chips { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-2); }
.chip-go { display: flex; align-items: center; justify-content: center; text-align: center; min-height: 52px; padding: 6px 14px; border-radius: var(--radius-pill);
  background: rgba(255,255,255,.08); border: 1.5px solid rgba(255,255,255,.35); color: var(--band-dark-fg); text-decoration: none; font-weight: 700; font-size: var(--fs-small); }
.chip-go:hover { background: var(--band-dark-cta); color: var(--on-lime); border-color: var(--band-dark-cta); }
.eb-call { margin: var(--s-4) 0 var(--s-2); color: var(--band-dark-fg-2); }
.eb-call a { color: var(--band-dark-fg); font-weight: 800; }
.eb-card .small { color: var(--band-dark-fg-2); margin: 0; }
.eb-card .small a { color: var(--band-dark-fg); }
@media (max-width: 760px) { .eb-card { grid-template-columns: 1fr; border-radius: var(--radius-lg); } .eb-photo img { aspect-ratio: 16 / 10; height: auto; } }
@media (max-width: 380px) { .chips { grid-template-columns: 1fr; } }

/* related */
.related { padding-bottom: var(--s-7); }
.related .hublist { max-width: 60rem; }

/* ---------- footer ---------- */
.foot { background: var(--band-dark-bg); color: var(--band-dark-fg-2); padding-block: var(--s-7) calc(var(--s-7) + env(safe-area-inset-bottom, 0px)); border-radius: var(--radius-xl) var(--radius-xl) 0 0; font-size: var(--fs-small); }
.foot a { color: var(--band-dark-fg); }
.foot .logo { color: var(--band-dark-fg); }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: var(--s-6); margin-bottom: var(--s-6); }
.foot-brand p { max-width: 26rem; }
.fgrp summary { list-style: none; font: 800 var(--fs-meta) var(--font-sans); color: var(--band-dark-cta); min-height: var(--tap); display: flex; align-items: center; cursor: default; }
.fgrp summary::-webkit-details-marker { display: none; }
.fgrp ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 2px; }
.fgrp a { display: inline-flex; align-items: center; min-height: 44px; min-width: 44px; text-decoration: none; }
.fgrp a:hover { text-decoration: underline; }
.legal { border-top: 1px solid rgba(255,255,255,0.14); padding-top: var(--s-4); font-size: var(--fs-meta); line-height: 1.6; }
.legal p { margin: 0 0 var(--s-2); max-width: 60rem; }
@media (max-width: 760px) {
  .foot-grid { grid-template-columns: 1fr; gap: 0; }
  .foot-brand { margin-bottom: var(--s-4); }
  .fgrp { border-top: 1px solid rgba(255,255,255,0.14); }
  .fgrp summary { cursor: pointer; justify-content: space-between; }
  .fgrp summary::after { content: "+"; font-size: 1.25rem; }
  .fgrp[open] summary::after { content: "−"; }
  .fgrp ul { padding-bottom: var(--s-3); }
}

/* ---------- phone sticky bar ---------- */
.mbar { display: none; }
@media (max-width: 720px) {
  .mbar { display: grid; grid-template-columns: 1fr 1.6fr; gap: var(--s-2); position: fixed; left: 0; right: 0; bottom: 0; z-index: 36; background: var(--bg); border-top: var(--border);
    padding: 6px 16px calc(6px + env(safe-area-inset-bottom, 0px)); transform: translateY(110%); transition: transform var(--dur) var(--ease); }
  .mbar.show { transform: none; }
  .mbar.typing { display: none; }
  .mbar .btn { min-height: 44px; }
  body.has-calc .mbar { display: none; }
  .foot { padding-bottom: calc(var(--s-8) + 40px + env(safe-area-inset-bottom, 0px)); }
}

/* ---------- 404 and standing ---------- */
.k-standing .prose h2 { font-size: clamp(1.5rem, 1.3rem + 0.8vw, 2rem); }

/* ---------- request form (/quote/) ---------- */
.k-funnel main { padding-block: var(--s-6) var(--s-8); }
.qwrap { max-width: 40rem; margin-inline: auto; padding-inline: max(var(--gutter), 16px); }
.qhead h1 { font-size: clamp(2.125rem, 1.8rem + 1.6vw, 3rem); }
.qhead h1 em { font-style: italic; color: var(--link); }
.qhead .dek { color: var(--text-muted); font-size: 1.0625rem; margin: 0 0 var(--s-4); }
.q-trust { display: flex; gap: 10px; align-items: flex-start; font-size: var(--fs-small); color: var(--text-muted); margin: 0 0 var(--s-5); }
.q-trust svg { flex: none; margin-top: 2px; }
.q-progress { position: relative; height: 10px; margin: var(--s-4) 0 var(--s-2); border-radius: var(--radius-pill); overflow: hidden; }
.q-progress::before { content: ""; position: absolute; inset: 0; background: var(--mist); }

.q-progress i { position: absolute; left: 0; top: 0; height: 10px; width: 0; background: var(--lime); border-radius: var(--radius-pill); transition: width var(--dur) var(--ease); }
.q-count { font: 800 var(--fs-meta) var(--font-sans); color: var(--text-meta); margin: 0 0 var(--s-4); }
.q-card { background: var(--surface); border: var(--border); border-radius: var(--radius-xl); padding: var(--s-6); box-shadow: var(--shadow-2); }
.q-card h2 { font-size: clamp(1.625rem, 1.4rem + 1vw, 2.125rem); margin: 0 0 var(--s-3); }
.q-help, .q-small { color: var(--text-muted); font-size: var(--fs-small); }
.q-small { font-size: var(--fs-meta); color: var(--text-meta); }
.q-opts { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-2); margin: var(--s-4) 0; }
.q-opts.one { grid-template-columns: 1fr; }
.q-opt { min-height: 60px; padding: 10px 18px; border-radius: var(--radius); border: 1.5px solid var(--rule-strong); background: var(--surface); color: var(--text);
  font: 700 1rem/1.25 var(--font-sans); cursor: pointer; text-align: left; }
.q-opt small { display: block; font-weight: 400; font-size: 0.8125rem; color: var(--text-meta); }
.q-opt:hover { border-color: var(--link); }
.q-opt[aria-pressed="true"] { background: var(--mist); color: var(--text); border-color: var(--link); box-shadow: inset 0 0 0 1px var(--link); }
.q-opt[aria-pressed="true"] small { color: var(--text-muted); }
.q-fields { display: grid; gap: var(--s-3); margin: var(--s-4) 0; }
.q-fields.two { grid-template-columns: 1fr 1fr; }
.q-ok { color: var(--link); font-weight: 600; font-size: var(--fs-small); }
.q-err { color: var(--flag); font-weight: 600; font-size: var(--fs-small); min-height: 1.2em; margin: var(--s-2) 0; }
.q-next { width: 100%; margin-top: var(--s-2); }
.q-back { display: block; margin: var(--s-3) auto 0; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: 0.8125rem; line-height: 1.5; color: var(--text-muted); margin: var(--s-4) 0; }
.consent input { width: 22px; height: 22px; flex: none; margin-top: 2px; accent-color: var(--link); }
.q-hp { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }
.q-thanks .btn { width: 100%; margin-top: var(--s-2); }
.q-read { margin-top: var(--s-4); }
@media (max-width: 520px) { .q-fields.two { grid-template-columns: 1fr; } .q-card { padding: var(--s-4); } .q-opts { grid-template-columns: 1fr; } }

/* ---------- photography ---------- */
figure.hero-photo, figure.phead-photo, figure.photo-wide, figure.tc-photo, figure.eb-photo, figure.qphoto { margin: 0; }
.hero { padding-block: var(--s-5) var(--s-6); }
.hero-grid { display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); }
.hero-photo { grid-column: 5 / -1; grid-row: 1; border-radius: var(--radius-xl); overflow: hidden; background: var(--sand); }
.hero-photo img { display: block; width: 100%; height: 100%; min-height: 660px; object-fit: cover; object-position: 62% 50%; }
.hero-card { grid-column: 1 / span 6; grid-row: 1; align-self: center; margin: var(--s-6) 0; background: var(--surface); border-radius: var(--radius-xl);
  padding: clamp(1.5rem, 1rem + 2vw, 2.75rem); box-shadow: var(--shadow-2); position: relative; }
.hero-card::before { content: ""; position: absolute; z-index: -1; left: -18px; top: -18px; width: 120px; height: 120px; border-radius: 50%; background: var(--lime); opacity: .55; }
.hero .dek { font-size: 1.0625rem; }
.hero-card .metaline { margin-bottom: 0; }
.band-sec { padding-block: var(--s-6) var(--s-4); background: linear-gradient(var(--bg), var(--sand) 30%, var(--sand) 80%, var(--bg)); }
.band-sec .band { margin-top: 0; }
.photo-wide { margin: var(--s-7) 0 0; border-radius: var(--radius-xl); overflow: hidden; }
.photo-wide img { display: block; width: 100%; aspect-ratio: 21 / 9; height: auto; object-fit: cover; }
.prose-home .photo-wide + h2 { margin-top: var(--s-6); }
.topics-band { padding-bottom: var(--s-6); }
.topics { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); gap: var(--s-4); }
.topics a { display: flex; flex-direction: column; height: 100%; background: var(--surface); border: var(--border); border-radius: var(--radius-lg); overflow: hidden; text-decoration: none; color: var(--text); box-shadow: var(--shadow-1);
  transition: box-shadow var(--dur) var(--ease), transform var(--dur) var(--ease); }
.topics a:hover { box-shadow: var(--shadow-2); transform: translateY(-2px); }
.tc-photo img { display: block; width: 100%; aspect-ratio: 3 / 2; height: auto; object-fit: cover; }
.tc-body { display: grid; gap: 4px; padding: var(--s-4) var(--s-5) var(--s-5); }
.tc-body b { font: 500 1.375rem/1.2 var(--font-display); }
.tc-body span { color: var(--text-muted); font-size: var(--fs-small); }
.phead-band.has-photo { background: linear-gradient(var(--bg), var(--sand)); margin-bottom: var(--s-6); }
.phead-band.has-photo .phead { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: var(--s-7); align-items: center; padding-block: var(--s-6); }
.phead-photo { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-2); }
.phead-photo img { display: block; width: 100%; aspect-ratio: 4 / 3; height: auto; object-fit: cover; }
.qlayout { max-width: var(--w-site); margin-inline: auto; padding-inline: max(var(--gutter), 16px); display: grid; grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr); gap: var(--s-7); align-items: start; }
.qlayout .qwrap { padding-inline: 0; margin: 0; max-width: 40rem; }
.qphoto { position: sticky; top: 96px; border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-2); }
.qphoto img { display: block; width: 100%; height: auto; }
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-photo { grid-column: 1; grid-row: 1; border-radius: var(--radius-lg); }
  .hero-card::before { display: none; }
  .hero-photo img { min-height: 0; aspect-ratio: 4 / 3; height: auto; object-position: 65% 50%; }
  .hero-card { grid-column: 1; grid-row: 2; margin: -3rem 10px 0; border-radius: var(--radius-lg); }
  .phead-band.has-photo .phead { grid-template-columns: minmax(0, 1fr); gap: var(--s-5); }
  .phead-photo img { aspect-ratio: 16 / 9; }
  .qlayout { grid-template-columns: minmax(0, 1fr); gap: var(--s-5); }
  .qphoto { position: static; border-radius: var(--radius-lg); }
  .qphoto img { aspect-ratio: 16 / 9; object-fit: cover; object-position: 50% 35%; }
  .qlayout .qwrap { margin-inline: auto; }
}
@media (max-width: 600px) {
  .hero-card { margin: -2.25rem 0 0; padding: var(--s-5); }
  .photo-wide img { aspect-ratio: 4 / 3; }
  .photo-wide { border-radius: var(--radius-lg); }
}

/* ---------- motion preference ---------- */
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; } }

/* Sources (2026-11-11). Articles end with one closed "Sources (N)" line; home, hub and standing lists live on /sources/. */
.src-fold { margin: 2.5rem 0 0; padding-top: 0.75rem; border-top: 1px solid var(--rule); font-size: var(--fs-meta); color: var(--text-muted); }
.src-fold > summary { cursor: pointer; width: max-content; max-width: 100%; min-height: 32px; padding: 6px 0; font-weight: 700; color: var(--text-muted); }
.src-fold > summary:hover { color: var(--ink); text-decoration: underline; text-underline-offset: 0.18em; }
.src-fold[open] > summary { margin-bottom: 0.25rem; }
.src-for { font-size: var(--fs-meta); color: var(--text-muted); margin-top: 0.25rem; }

/* carrier wall (home), like BurialEstimator. Logos always sit on a white plate so dark mode never hides them. */
.cw-band{padding-block:40px;background:var(--mist)}
.cw-title{text-align:center;font:700 17px/1.4 var(--font-sans);color:var(--ink-2);margin:0 auto 20px;max-width:46em;text-wrap:balance}
.cw{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:12px}
.cw li{list-style:none;margin:0;background:#fff;border:1px solid #e2e5ea;border-radius:14px;box-shadow:0 1px 2px rgba(16,22,37,.06);display:flex;align-items:center;gap:8px;min-height:62px}
.cw li::before,.cw li::marker{content:none}
.cw-logo{padding:8px 16px}
.cw-logo img{display:block;height:44px;width:auto;max-width:150px;object-fit:contain}
.cw-mark{padding:8px 14px 8px 10px;color:#121625;font-weight:600;font-size:15px;line-height:1.2}
.cw-mark img{display:block;height:34px;width:34px;object-fit:contain}
@media (max-width:600px){.cw-band{padding-block:28px}.cw{gap:8px}.cw li{min-height:52px}.cw-logo{padding:6px 12px}.cw-logo img{height:34px;max-width:118px}.cw-mark{font-size:14px;padding:6px 12px 6px 8px}.cw-mark img{height:28px;width:28px}.cw-title{font-size:16px}}