/* Lead Factory design system — documentary/educational variant.
   White, generous, photographic. The reference points are Cincinnati Septic Pros
   (warm, real photos, obvious phone number) and the fact that this site's job is
   to answer a question credibly before it asks for anything. */

:root{
  --bg:#fff; --tint:#f6f8f8; --deep:#0c1512; --card:#fff;
  --ink:#0f1a17; --ink-2:#4a5a55; --ink-3:#8b9a95;
  --line:#e4eae8; --line-2:#f0f4f3;
  --accent:#0a6b57; --accent-soft:#e7f3ef; --accent-hover:#085443; --accent-ink:#fff;
  --urgent:#b4340f; --urgent-soft:#fdeee9;
  --font:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --display:"Plus Jakarta Sans","Inter",-apple-system,sans-serif;
  --r:14px; --r-sm:9px; --r-lg:22px; --pill:999px;
  --sh:0 1px 3px rgba(15,26,23,.06), 0 12px 30px -14px rgba(15,26,23,.18);
  --sh-lg:0 2px 8px rgba(15,26,23,.06), 0 28px 60px -22px rgba(15,26,23,.24);
  --wrap:1120px;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--accent)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.hdr__in{max-width:var(--wrap);margin:0 auto;padding:0 20px;height:70px;
  display:flex;align-items:center;gap:20px}
.mark{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.mark__badge{width:36px;height:36px;border-radius:10px;background:var(--accent);
  display:grid;place-items:center;flex:none}
.mark__badge svg{width:20px;height:20px;fill:none;stroke:#fff;stroke-width:2}
.mark__txt{font-family:var(--display);font-weight:750;font-size:17px;letter-spacing:-.02em;line-height:1.1}
.mark__txt em{font-style:normal;color:var(--accent)}
.mark__txt span{display:block;font-size:11px;font-weight:500;color:var(--ink-3);letter-spacing:.02em}
.hdr nav{margin-left:auto;display:flex;align-items:center;gap:22px}
.hdr nav a{color:var(--ink-2);text-decoration:none;font-size:14.5px;font-weight:500}
.hdr nav a:hover{color:var(--ink)}
.hdr .tel{display:flex;align-items:center;gap:8px;background:var(--accent);color:#fff;
  padding:10px 18px;border-radius:var(--pill);font-weight:650;font-size:15px;
  text-decoration:none;white-space:nowrap;flex:none}
.hdr .tel:hover{background:var(--accent-hover);color:#fff}
@media(max-width:860px){.hdr nav a:not(.tel){display:none}}
/* Below 780px the sticky bottom bar already carries the number, so the header
   pill is redundant - and at that width it was wrapping to two lines, which
   reads as a broken button. */
@media(max-width:780px){.hdr .tel{display:none}}

/* ---------- hero ---------- */
.hero{padding:56px 0 48px;background:
  radial-gradient(900px 400px at 10% -10%, var(--accent-soft), transparent 70%)}
.hero__grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:7px;background:var(--urgent-soft);
  color:var(--urgent);font-size:12.5px;font-weight:650;padding:5px 12px;
  border-radius:var(--pill);letter-spacing:.01em;margin-bottom:16px}
.eyebrow b{width:6px;height:6px;border-radius:50%;background:var(--urgent);display:block}
h1{font-family:var(--display);font-size:clamp(30px,4.2vw,46px);line-height:1.1;
  letter-spacing:-.03em;font-weight:780;margin:0 0 16px}
.lede{font-size:18.5px;color:var(--ink-2);margin:0 0 26px;max-width:52ch}
.cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.btn{display:inline-flex;align-items:center;gap:9px;padding:14px 26px;border-radius:var(--pill);
  font-weight:650;font-size:16px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn--pri{background:var(--accent);color:#fff}
.btn--pri:hover{background:var(--accent-hover)}
.btn--ghost{background:#fff;color:var(--ink);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--ink-3)}
.hero__shot{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-lg)}
.hero__shot img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
figcaption{font-size:11.5px;color:var(--ink-3);padding:8px 2px 0;line-height:1.45}
figure{margin:0}
@media(max-width:860px){.hero__grid{grid-template-columns:1fr;gap:28px}}

/* ---------- trust strip ---------- */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--tint)}
.strip__in{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}
.strip__in>div{background:var(--tint);padding:20px 22px}
.strip .k{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:var(--ink-3);font-weight:650}
.strip .v{font-family:var(--display);font-weight:700;font-size:19px;margin-top:3px;letter-spacing:-.02em}
.strip .s{font-size:13px;color:var(--ink-2);margin-top:2px}
@media(max-width:780px){.strip__in{grid-template-columns:repeat(2,1fr)}}

/* ---------- sections ---------- */
section{padding:60px 0}
.sec-head{max-width:64ch;margin-bottom:34px}
h2{font-family:var(--display);font-size:clamp(23px,2.7vw,32px);line-height:1.2;
  letter-spacing:-.025em;font-weight:750;margin:0 0 12px}
h3{font-family:var(--display);font-size:19px;line-height:1.3;letter-spacing:-.015em;
  font-weight:700;margin:0 0 8px}
.sub{color:var(--ink-2);margin:0;font-size:17px}
.prose p{margin:0 0 18px;max-width:70ch}
.prose h2{margin-top:40px}
.prose h3{margin-top:30px}
.prose ul,.prose ol{max-width:68ch;padding-left:22px;margin:0 0 20px}
.prose li{margin-bottom:9px}
.prose strong{font-weight:650}

/* ---------- cards ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(272px,1fr));gap:18px}
.card{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:var(--card);
  text-decoration:none;color:inherit;display:block}
.card:hover{border-color:var(--accent);box-shadow:var(--sh)}
.card p{margin:0;color:var(--ink-2);font-size:15px}
.card .more{color:var(--accent);font-weight:650;font-size:14.5px;margin-top:12px;display:block}
.card--photo{padding:0;overflow:hidden}
.card--photo img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card--photo .body{padding:20px 22px 22px}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px;counter-reset:s}
.step{counter-increment:s}
.step__n{width:34px;height:34px;border-radius:50%;background:var(--accent-soft);color:var(--accent);
  display:grid;place-items:center;font-weight:750;font-family:var(--display);margin-bottom:12px}
.step__n::before{content:counter(s)}

/* ---------- callout ---------- */
.note{border-left:3px solid var(--accent);background:var(--accent-soft);padding:18px 22px;
  border-radius:0 var(--r-sm) var(--r-sm) 0;margin:26px 0;max-width:70ch}
.note p{margin:0;font-size:16px}
.note strong{color:var(--ink)}
.note--warn{border-left-color:var(--urgent);background:var(--urgent-soft)}

/* ---------- faq ---------- */
.faq{max-width:76ch}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{cursor:pointer;font-weight:650;font-size:17px;list-style:none;
  display:flex;justify-content:space-between;gap:16px;font-family:var(--display)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-weight:700;font-size:21px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq p{margin:12px 0 0;color:var(--ink-2)}

/* ---------- form ---------- */
.formsec{background:var(--deep);color:#fff}
.formsec h2{color:#fff}
.formsec .sub{color:#a9bdb6}
.formgrid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.form{background:#fff;border-radius:var(--r-lg);padding:28px;box-shadow:var(--sh-lg);color:var(--ink)}
.form label{display:block;font-size:13px;font-weight:650;margin:0 0 6px;color:var(--ink-2)}
.form input[type=text],.form input[type=tel],.form input[type=email],.form select,.form textarea{
  width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:var(--r-sm);
  font:inherit;font-size:16px;margin-bottom:16px;background:#fff}
.form textarea{min-height:88px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--accent-soft);border-color:var(--accent)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.dropzone{border:2px dashed var(--line);border-radius:var(--r-sm);padding:22px;text-align:center;
  background:var(--tint);margin-bottom:16px}
.dropzone b{display:block;font-family:var(--display);font-size:16px;margin-bottom:4px}
.dropzone span{font-size:13.5px;color:var(--ink-2)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--ink-2);
  line-height:1.5;margin-bottom:18px;font-weight:400}
/* .consent is a <label>, so it inherits .form label's 650 weight and the
   disclosure ends up shouting. Consent text should be quiet and readable, not
   emphasised — and an over-bold block reads as something to skip. */
.consent span{font-weight:400}
.consent input{margin-top:3px;flex:none;width:17px;height:17px;accent-color:var(--accent)}
.form .btn--pri{width:100%;justify-content:center}
.hp{position:absolute;left:-9999px}
.whatnext{list-style:none;padding:0;margin:22px 0 0}
.whatnext li{display:flex;gap:12px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:15.5px}
.whatnext li b{color:var(--accent-soft);flex:none;font-variant-numeric:tabular-nums}
@media(max-width:860px){.formgrid{grid-template-columns:1fr;gap:28px}.form .row{grid-template-columns:1fr}}

/* ---------- areas ---------- */
.chips{display:flex;flex-wrap:wrap;gap:9px}
.chips a{border:1px solid var(--line);border-radius:var(--pill);padding:9px 17px;
  text-decoration:none;color:var(--ink-2);font-size:14.5px;font-weight:500;background:#fff}
.chips a:hover{border-color:var(--accent);color:var(--accent)}
.chips a b{color:var(--ink-3);font-weight:500;font-size:12.5px;margin-left:5px}

/* ---------- footer ---------- */
.ftr{background:var(--tint);border-top:1px solid var(--line);padding:44px 0 34px;font-size:14.5px}
.ftr__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px;margin-bottom:30px}
.ftr h4{font-size:11.5px;text-transform:uppercase;letter-spacing:.07em;color:var(--ink-3);
  margin:0 0 12px;font-weight:650}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:8px}
.ftr a{color:var(--ink-2);text-decoration:none}
.ftr a:hover{color:var(--accent)}
.ftr .legal{border-top:1px solid var(--line);padding-top:22px;color:var(--ink-3);font-size:12.5px;max-width:86ch}
.ftr .legal p{margin:0 0 9px}
@media(max-width:980px){.ftr__grid{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:640px){.ftr__grid{grid-template-columns:1fr;gap:26px}}

/* ---------- sticky mobile call bar ---------- */
.callbar{display:none}
@media(max-width:780px){
  .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;gap:0;
    border-top:1px solid var(--line);background:#fff;box-shadow:0 -6px 24px rgba(15,26,23,.1)}
  .callbar a{flex:1;padding:15px 8px;text-align:center;text-decoration:none;font-weight:650;font-size:15px}
  .callbar a.c{background:var(--accent);color:#fff}
  .callbar a.f{color:var(--ink)}
  body{padding-bottom:58px}
}

/* ---------- breadcrumb ---------- */
.crumb{font-size:13.5px;color:var(--ink-3);padding:22px 0 0}
.crumb a{color:var(--ink-2);text-decoration:none}
.crumb a:hover{color:var(--accent)}

/* ---------- field gallery ("recents") ----------
   Modelled on the reference site's recent-work strip, with one deliberate
   difference: a referral service has no job history of its own, so every tile
   is captioned as what the condition indicates rather than as work we did.
   Same visual job — proof that whoever wrote this has seen the problem — done
   with a claim we can actually stand behind. */
.gal{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.gal figure{margin:0;background:var(--card);border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
.gal .shot{aspect-ratio:4/3;overflow:hidden;background:var(--tint)}
.gal .shot img{width:100%;height:100%;object-fit:cover}
.gal figcaption{padding:14px 15px 15px;font-size:13.5px;line-height:1.5;color:var(--ink-2)}
.gal figcaption b{display:block;font-family:var(--display);font-weight:700;font-size:14.5px;
  color:var(--ink);margin-bottom:5px;letter-spacing:-.01em}
.gal figcaption .attr{display:block;margin-top:8px;font-size:11.5px;color:var(--ink-3)}
.gal figcaption .attr a{color:var(--ink-3)}
@media(max-width:980px){.gal{grid-template-columns:repeat(2,1fr)}}
@media(max-width:540px){.gal{grid-template-columns:1fr}}

/* ---------- article index ---------- */
.idx{display:grid;grid-template-columns:repeat(2,1fr);gap:0 40px;
  border-top:1px solid var(--line)}
.idx a{display:block;padding:20px 0;border-bottom:1px solid var(--line);text-decoration:none;color:inherit}
.idx a:hover{background:linear-gradient(90deg,var(--accent-soft),transparent 60%)}
.idx .t{font-family:var(--display);font-weight:700;font-size:17px;letter-spacing:-.015em;
  color:var(--ink);margin-bottom:4px}
.idx a:hover .t{color:var(--accent)}
.idx .d{font-size:14.5px;color:var(--ink-2);line-height:1.5;margin:0}
.idx .kind{display:inline-block;font-size:10.5px;text-transform:uppercase;letter-spacing:.08em;
  font-weight:700;color:var(--accent);margin-bottom:7px}
@media(max-width:780px){.idx{grid-template-columns:1fr}}

/* ---------- inline aside figure ---------- */
.fig-in{margin:30px 0}
.fig-in img{border-radius:var(--r);border:1px solid var(--line)}
.fig-in figcaption{font-size:12.5px;color:var(--ink-3);margin-top:9px}
.fig-in figcaption a{color:var(--ink-3)}
.fig-in--tall{max-width:420px}

/* ---------- next-steps rail at the end of an article ---------- */
.rail{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:34px 0 0}
.rail a{display:block;padding:18px 19px;border:1px solid var(--line);border-radius:var(--r);
  text-decoration:none;background:var(--card);transition:border-color .15s,transform .15s}
.rail a:hover{border-color:var(--accent);transform:translateY(-2px)}
.rail b{display:block;font-family:var(--display);font-size:15.5px;color:var(--ink);
  letter-spacing:-.01em;margin-bottom:4px}
.rail span{font-size:13.5px;color:var(--ink-2);line-height:1.5}
@media(max-width:780px){.rail{grid-template-columns:1fr}}

/* ---------- area page: intro beside an at-a-glance panel ---------- */
.areatop{display:grid;grid-template-columns:1.35fr .8fr;gap:48px;align-items:start}
.facts{background:var(--tint);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:26px 28px 24px}
.facts h2{font-family:var(--display);font-size:12px;text-transform:uppercase;
  letter-spacing:.09em;color:var(--ink-3);margin:0 0 16px;font-weight:700}
.facts dl{margin:0;display:grid;grid-template-columns:1fr;gap:0}
.facts dt{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-3);
  font-weight:650;margin-top:14px}
.facts dt:first-child{margin-top:0}
.facts dd{margin:3px 0 0;font-family:var(--display);font-weight:650;font-size:16px;
  color:var(--ink);letter-spacing:-.01em;line-height:1.35}
.facts .foot{margin:20px 0 0;padding-top:16px;border-top:1px solid var(--line);
  font-size:13px;color:var(--ink-2);line-height:1.5}
@media(max-width:880px){.areatop{grid-template-columns:1fr;gap:30px}}

/* ---------- B2B variant: cooler accent, the compliance-calendar tool ----------
   Same system, one token block changed. The audience here is an operator at a
   desk with a fire marshal's letter in front of them, not a homeowner standing
   in water, so the urgent red retires and the palette goes a shade more
   institutional. */
:root{
  --accent:#125f8a; --accent-soft:#e6f1f7; --accent-hover:#0d4a6b;
  --urgent:#9a5b00; --urgent-soft:#fdf3e3;
  --deep:#0b1620;
}

/* the tool */
.tool{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--sh-lg);overflow:hidden}
.tool__head{padding:26px 30px 22px;border-bottom:1px solid var(--line);background:var(--tint)}
.tool__head h2{margin:0 0 6px;font-family:var(--display);font-size:22px;letter-spacing:-.02em}
.tool__head p{margin:0;font-size:14.5px;color:var(--ink-2);max-width:60ch}
.tool__body{padding:26px 30px 30px}
.tool fieldset{border:0;padding:0;margin:0 0 24px}
.tool legend{font-size:11.5px;text-transform:uppercase;letter-spacing:.08em;
  color:var(--ink-3);font-weight:700;margin-bottom:11px;padding:0}
.opts{display:grid;gap:9px}
.opts--2{grid-template-columns:1fr 1fr}
.opt{display:flex;gap:11px;align-items:flex-start;padding:13px 15px;border:1px solid var(--line);
  border-radius:var(--r-sm);cursor:pointer;background:#fff;transition:border-color .13s,background .13s}
.opt:hover{border-color:var(--accent)}
.opt input{margin:3px 0 0;accent-color:var(--accent);flex:none}
.opt b{display:block;font-size:15px;font-weight:650;letter-spacing:-.01em}
.opt span{display:block;font-size:13px;color:var(--ink-2);line-height:1.45;margin-top:2px}
.opt:has(input:checked){border-color:var(--accent);background:var(--accent-soft)}

.result{margin-top:4px;border-top:1px solid var(--line);padding-top:26px}
.result[hidden]{display:none}
.sched{display:grid;gap:12px}
.sched__row{display:grid;grid-template-columns:auto 1fr auto;gap:16px;align-items:center;
  padding:16px 18px;border:1px solid var(--line);border-radius:var(--r-sm);background:#fff}
.sched__row.is-hot{border-color:var(--urgent);background:var(--urgent-soft)}
.sched__n{width:34px;height:34px;border-radius:9px;background:var(--accent);color:#fff;
  display:grid;place-items:center;font-weight:700;font-size:13px;flex:none;font-family:var(--display)}
.sched__row.is-hot .sched__n{background:var(--urgent)}
.sched__t{font-family:var(--display);font-weight:700;font-size:16px;letter-spacing:-.01em}
.sched__d{font-size:13.5px;color:var(--ink-2);margin-top:2px;line-height:1.45}
.sched__f{font-family:var(--display);font-weight:750;font-size:15px;white-space:nowrap;
  text-align:right;color:var(--accent)}
.sched__row.is-hot .sched__f{color:var(--urgent)}
@media(max-width:620px){
  .sched__row{grid-template-columns:auto 1fr;gap:12px}
  .sched__f{grid-column:2;text-align:left;margin-top:4px}
  .opts--2{grid-template-columns:1fr}
  .tool__head,.tool__body{padding-left:20px;padding-right:20px}
}

/* citation line under a stated requirement */
.cite{font-size:12.5px;color:var(--ink-3);margin:10px 0 0;line-height:1.5}
.cite a{color:var(--ink-3)}
.cite b{color:var(--ink-2);font-weight:650}

/* side-by-side city comparison */
.vs{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;margin:28px 0}
.vs__col{padding:0}
.vs__col + .vs__col{border-left:1px solid var(--line)}
.vs__h{padding:16px 20px;background:var(--tint);border-bottom:1px solid var(--line);
  font-family:var(--display);font-weight:750;font-size:16.5px;letter-spacing:-.01em}
.vs dl{margin:0;padding:0}
.vs dt{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:var(--ink-3);
  font-weight:700;padding:16px 20px 0}
.vs dd{margin:0;padding:3px 20px 0;font-size:14.5px;line-height:1.5}
.vs dd:last-child{padding-bottom:20px}
.vs .hit{color:var(--urgent);font-weight:650}
@media(max-width:700px){.vs{grid-template-columns:1fr}.vs__col + .vs__col{border-left:0;border-top:1px solid var(--line)}}

/* pending-cities honesty block */
.pending{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.pending span{font-size:13.5px;padding:7px 13px;border:1px dashed var(--line);
  border-radius:var(--pill);color:var(--ink-3);background:var(--tint)}

/* four services, so a four-up row rather than three plus an orphan */
.cards--4{grid-template-columns:repeat(4,1fr)}
@media(max-width:1040px){.cards--4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.cards--4{grid-template-columns:1fr}}

/* ---------- the bottom city rail ----------
   Eighteen cities at the foot of every page instead of one nav item. Each link
   carries the thing that city does differently, so the rail is genuinely
   informative rather than a link farm — which is also what makes it worth
   crawling. */
.citybar{background:var(--deep);color:#fff;padding:52px 0 46px;border-top:1px solid rgba(255,255,255,.1)}
.citybar .sec-head h2{color:#fff}
.citybar .sub{color:rgba(255,255,255,.62)}
.citybar .sub a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.cityrail{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r);overflow:hidden}
.cityrail a{display:block;padding:15px 17px;background:var(--deep);text-decoration:none;
  transition:background .14s}
.cityrail a:hover{background:rgba(255,255,255,.07)}
.cityrail a.is-current{background:rgba(255,255,255,.1)}
.cityrail b{display:block;font-family:var(--display);font-weight:700;font-size:15.5px;
  color:#fff;letter-spacing:-.01em;margin-bottom:3px}
.cityrail span{display:block;font-size:13px;line-height:1.45;color:rgba(255,255,255,.6)}
.cityrail a:hover span{color:rgba(255,255,255,.8)}
@media(max-width:940px){.cityrail{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.cityrail{grid-template-columns:1fr}}

/* ---------- the metro comparison table ---------- */
.cmp{width:100%;border-collapse:collapse;font-size:14px;margin:26px 0 0}
.cmp th,.cmp td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--line);
  vertical-align:top;line-height:1.45}
.cmp thead th{font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:var(--ink-3);
  font-weight:700;border-bottom:1px solid var(--ink-3);white-space:nowrap}
.cmp tbody tr:hover{background:var(--tint)}
.cmp td:first-child{font-family:var(--display);font-weight:700;white-space:nowrap}
.cmp td:first-child a{text-decoration:none}
.cmp .odd{color:var(--urgent);font-weight:650}
.cmp-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:26px -20px 0;padding:0 20px}
@media(max-width:900px){.cmp{font-size:13px;min-width:760px}}

/* ======================================================================
   Lead-page pattern (2026-09-23)
   util bar -> header w/ one red button -> split hero with the form in it
   -> trust strip -> dark icon service bar. Navy + red, white card.
   ====================================================================== */
:root{ --navy:#0f2a47; --navy-2:#173a5e; --cta:#d7261e; --cta-hover:#b81e17; }

.util{background:var(--navy);color:#dbe6f2;font-size:13px;font-weight:600;letter-spacing:.02em}
.util__in{max-width:var(--wrap);margin:0 auto;padding:0 20px;height:38px;display:flex;align-items:center;gap:26px}
.util__in span{margin-right:auto;text-transform:uppercase;font-size:12px;letter-spacing:.08em;opacity:.85}
.util a{color:#fff;text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.util a svg{color:#ff6b61}
@media(max-width:700px){.util__in span{display:none}.util__in{justify-content:space-between}}

.hdr .tel{background:var(--cta);border-radius:10px;padding:12px 22px;text-transform:uppercase;letter-spacing:.03em;font-size:14px}
.hdr .tel:hover{background:var(--cta-hover)}
.hdr nav a:not(.tel){font-weight:650;color:var(--navy);font-size:14px}
.hdr nav a{white-space:nowrap}@media(min-width:561px){.hdr .mark__txt{white-space:nowrap}}
@media(max-width:1100px){.hdr nav a:not(.tel){display:none}}
@media(max-width:780px){.hdr .tel{display:flex;padding:10px 14px}}

.btn--cta{background:var(--cta);color:#fff;width:100%;justify-content:center;font-size:17px;
  text-transform:uppercase;letter-spacing:.03em;padding:15px 18px;border-radius:10px;border:0;cursor:pointer}
.btn--cta:hover{background:var(--cta-hover)}

/* hero */
.lh{position:relative;background:#eef2f6 var(--lh-img) right center/cover no-repeat;padding:54px 0 64px;overflow:hidden}
.lh::before{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.96) 36%,rgba(255,255,255,.55) 58%,rgba(15,42,71,.15) 100%)}
.lh__grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.lh__kick{display:flex;align-items:center;gap:12px;font-size:12.5px;font-weight:700;letter-spacing:.22em;
  text-transform:uppercase;color:var(--navy);margin:14px 0 18px}
.lh__kick b{width:30px;height:2px;background:var(--cta);display:block}
.lh h1{font-family:var(--display);font-size:clamp(38px,5.4vw,64px);line-height:1.02;letter-spacing:-.035em;
  color:var(--navy);margin:0 0 18px;font-weight:800;max-width:14ch}
.lh h1 u{text-decoration:none;background:linear-gradient(var(--cta),var(--cta)) 0 92%/100% 5px no-repeat;padding-bottom:4px}
.lh__sub{font-size:19px;color:#23364c;max-width:36ch;margin:0 0 26px;line-height:1.5}
.lh__list{list-style:none;margin:0;padding:0;display:grid;gap:16px}
.lh__list li{display:flex;gap:14px;align-items:center}
.lh__list .b{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;color:#fff;flex:none}
.lh__list .b--0{background:var(--cta)} .lh__list .b--1{background:var(--navy)}
.lh__list p{margin:0;font-size:15px;color:#4a5b6e;line-height:1.35}
.lh__list b{display:block;font-size:17px;color:var(--navy)}
.lh__credit{position:absolute;right:12px;bottom:8px;font-size:11px;color:#fff;opacity:.8;
  text-shadow:0 1px 2px rgba(0,0,0,.6)}
.lh__credit a{color:#fff}

/* the card */
.qcard{background:#fff;border-radius:16px;box-shadow:0 30px 60px -20px rgba(15,42,71,.35),0 2px 6px rgba(15,42,71,.08);
  padding:26px 28px 18px}
.qcard__kick{display:flex;align-items:center;gap:10px;font-size:12px;font-weight:750;letter-spacing:.14em;
  text-transform:uppercase;color:var(--accent)}
.qcard__kick::after{content:"";width:34px;height:2px;background:var(--accent);opacity:.5}
.qcard h2{font-family:var(--display);font-size:30px;letter-spacing:-.02em;color:var(--navy);margin:6px 0 6px;line-height:1.1}
.qcard__sub{font-size:14.5px;color:#5a6b7d;margin:0 0 14px;line-height:1.45}
.form--card{background:none;padding:0;box-shadow:none;border:0;color:var(--ink)}
.form--card label{color:var(--navy);font-size:13px;font-weight:650;margin:10px 0 5px;display:block}
.form--card .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form--card .row label{margin-top:10px}
.form--card input,.form--card select,.form--card textarea{width:100%;border:1px solid #d3dbe4;border-radius:8px;
  padding:11px 12px;font:inherit;font-size:15px;background:#fff;color:var(--ink)}
.form--card input:focus,.form--card select:focus,.form--card textarea:focus{outline:2px solid var(--accent);outline-offset:0;border-color:var(--accent)}
.form--card .consent{display:flex;gap:9px;align-items:flex-start;font-size:11.5px;font-weight:400;color:#6a7a8a;line-height:1.4;margin:14px 0}
.form--card .consent input{width:auto;margin-top:2px;flex:none}
.qcard__urgent{text-align:center;font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:#6a7a8a;margin:12px 0 0;font-weight:650}
.qcard__urgent a{color:var(--navy);white-space:nowrap}

/* trust strip */
.trust{background:#f4f7fa;border-bottom:1px solid #e3e9ef}
.trust__in{display:grid;grid-template-columns:repeat(4,1fr);gap:0;padding-top:18px;padding-bottom:18px}
.trust__in>div{display:flex;gap:12px;align-items:center;padding:4px 18px;border-left:1px solid #dde4ec;color:var(--navy)}
.trust__in>div:first-child{border-left:0;padding-left:0}
.trust p{margin:0;line-height:1.25}
.trust b{display:block;font-size:15px;color:var(--navy)}
.trust span{font-size:12.5px;color:#6a7a8a}

/* dark service bar */
.svcbar{background:var(--navy);background-image:radial-gradient(700px 200px at 0 100%,rgba(215,38,30,.18),transparent 70%),
  radial-gradient(700px 200px at 100% 100%,rgba(59,130,246,.15),transparent 70%)}
.svcbar__in{display:grid;grid-template-columns:repeat(7,1fr);padding-top:26px;padding-bottom:26px}
.svcbar a{display:flex;flex-direction:column;align-items:center;gap:10px;color:#fff;text-decoration:none;
  font-weight:600;font-size:15px;padding:6px 8px;border-left:1px solid rgba(255,255,255,.14);text-align:center}
.svcbar a:first-child{border-left:0}
.svcbar a:hover{color:#ffb3ad}

@media(max-width:960px){
  .lh{background-position:70% center}
  .lh::before{background:linear-gradient(180deg,rgba(255,255,255,.97),rgba(255,255,255,.93))}
  .lh__grid{grid-template-columns:1fr;gap:28px}
  .trust__in{grid-template-columns:1fr 1fr;row-gap:14px}
  .trust__in>div:nth-child(3){border-left:0;padding-left:0}
  .svcbar__in{grid-template-columns:repeat(4,1fr);row-gap:18px}
  .svcbar a:nth-child(5){border-left:0}
}
@media(max-width:560px){
  .lh{padding:30px 0 36px}
  .form--card .row{grid-template-columns:1fr;gap:0}
  .qcard{padding:22px 18px 16px}
  .svcbar__in{grid-template-columns:repeat(2,1fr)}
  .svcbar a{border-left:0}
}
/* tighten the card so the button sits above the fold at 1440x900 */
.qcard .form--card label{margin:9px 0 4px}
.qcard .form--card .row{margin:0}
.qcard .form--card input,.qcard .form--card select,.qcard .form--card textarea{margin:0;padding:9px 11px;min-height:0;height:auto;font-size:14.5px;border-radius:7px}
.qcard .form--card textarea{height:58px;resize:vertical}
.qcard .form--card .consent{margin:12px 0}
.qcard{padding:22px 26px 16px}
.qcard h2{font-size:28px}
.lh{padding:44px 0 52px}
.lh h1{max-width:none;font-size:clamp(38px,4.8vw,60px)}
.lh__grid{align-items:center}
.qcard .form--card input[type=text],.qcard .form--card input[type=tel],.qcard .form--card input[type=email]{margin:0;padding:9px 11px}
.qcard .form--card textarea{min-height:58px}
/* photo sits right at native-or-smaller scale so it stays sharp; the white fade covers the seam */
.lh{background:#fff var(--lh-img) right center/auto 100% no-repeat}
@media(max-width:960px){.lh{background-size:cover}}
.lh::before{background:linear-gradient(90deg,#fff 0%,#fff 44%,rgba(255,255,255,.7) 60%,rgba(255,255,255,.25) 78%,rgba(15,42,71,.12) 100%)}
@media(max-width:960px){.lh::before{background:linear-gradient(180deg,rgba(255,255,255,.97),rgba(255,255,255,.93))}}
.callbar a.c{background:var(--navy)} .callbar a.f{background:var(--cta);color:#fff}
@media(max-width:960px){
  .lh__list{display:none}               /* the trust strip right below carries these on a phone */
  .lh__kick{letter-spacing:.14em;font-size:11px;margin:0 0 12px}
  .lh__sub{font-size:17px;margin-bottom:0}
}
@media(max-width:560px){
  .mark__txt{font-size:15px}
  .mark__txt span{display:none}
  .hdr__in{height:62px;gap:10px}
  .hdr .tel{padding:9px 12px;font-size:12.5px}
  .lh h1{font-size:38px}
}

/* ---- sentence finder ---- */
.sf{background:#fff;border:1px solid #dfe6ef;border-radius:16px;padding:20px 22px;box-shadow:0 12px 30px -18px rgba(15,35,66,.35)}
.sf__line{font-family:var(--display);font-size:22px;line-height:1.9;color:var(--navy);margin:0;font-weight:700}
.sf__line select{font:inherit;font-size:18px;font-weight:650;color:var(--cta);border:0;border-bottom:2px dashed var(--cta);
  background:transparent;padding:2px 26px 2px 4px;margin:0 4px;max-width:100%;cursor:pointer;
  appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--cta) 50%),linear-gradient(135deg,var(--cta) 50%,transparent 50%);
  background-position:calc(100% - 12px) 55%,calc(100% - 7px) 55%;background-size:5px 5px;background-repeat:no-repeat}
.sf__line select:focus{outline:2px solid var(--accent-soft)}
.sf__line span[hidden],.sf__line select[hidden]{display:none}
.sf__out:empty{display:none}
.sf__card{margin-top:14px;border-top:1px solid #e6ecf3;padding-top:14px}
.sf__card h3{font-family:var(--display);font-size:21px;color:var(--navy);margin:6px 0 6px}
.sf__card p{margin:0 0 8px;font-size:15.5px;color:#2c3e55;line-height:1.5}
.sf__card dl{display:grid;grid-template-columns:minmax(120px,170px) 1fr;margin:8px 0 10px}
.sf__card dt{font-weight:700;color:var(--navy);font-size:14px;padding:6px 8px 6px 0;border-top:1px solid #edf1f6}
.sf__card dd{margin:0;font-size:14px;padding:6px 0;border-top:1px solid #edf1f6}
.sf__btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px!important}
.sf__btns .btn{width:auto;font-size:14px;padding:11px 16px}
.sf-v{display:inline-block;font-size:12px;font-weight:750;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:999px}
.sf-v--bond{background:#fde9e7;color:#a91f18}.sf-v--no{background:#e8eff8;color:#1f4e8c}.sf-v--dep{background:#fff4d6;color:#8a5a00}
.sf__next{background:#f5f8fc;border-left:3px solid var(--cta);padding:10px 14px;margin:8px 0 4px;border-radius:0 8px 8px 0}
.sf__next b{display:block;color:var(--navy);font-size:14px;margin-bottom:2px}.sf__next p{margin:0!important;font-size:14.5px}
.sf--compact .sf__line{font-size:20px}
.lh .sf{margin-top:22px}
@media(max-width:960px){.lh .sf{margin-top:18px}.sf__line{font-size:19px}.sf__line select{font-size:16px}}

.lh__grid>*{min-width:0}
.sf{max-width:100%;box-sizing:border-box}
.sf__line select{max-width:calc(100% - 8px)}
@media(max-width:560px){.sf{padding:16px}.sf__line select{width:100%;margin:2px 0 6px}}

/* ---- Bond Required overrides ---- */
:root{ --accent:#1f4e8c; --accent-soft:#e8eff8; --accent-hover:#173d6e; --navy:#0f2342; --cta:#c8281f; --cta-hover:#a91f18; }
.lh{background-position:right center}
.facts{border:1px solid var(--line);border-radius:14px;padding:20px 24px;background:#f7f9fc}
.facts h2{font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin:0 0 10px}
.facts dl{display:grid;grid-template-columns:minmax(140px,220px) 1fr;gap:0;margin:0}
.facts dt,.facts dd{margin:0;padding:10px 12px 10px 0;border-top:1px solid #e3e9f1;font-size:15px;line-height:1.45;
  text-transform:none;letter-spacing:0;align-self:stretch}
.facts dt{font-weight:700;color:var(--navy)}
.facts dd{font-weight:400;color:#23364c}
.facts dt:first-of-type,.facts dd:first-of-type{border-top:0}
@media(max-width:640px){.facts dl{grid-template-columns:1fr}.facts dd{border-top:0;padding-top:0}}
.prose table{width:100%;border-collapse:collapse;font-size:15px;margin:14px 0 22px}
.prose th,.prose td{text-align:left;padding:9px 10px;border-bottom:1px solid #e3e9f1;vertical-align:top}
.prose th{background:#f3f6fa;color:var(--navy);font-size:13px;text-transform:uppercase;letter-spacing:.05em}
.srcs{margin-top:34px;padding-top:6px;border-top:1px solid var(--line)}
.srcs ul{padding-left:18px;font-size:14.5px}
.srcs li{margin:5px 0}
.finder{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.finder__opts{display:grid;gap:8px}
.opt{display:flex;gap:10px;align-items:center;border:1px solid #d6dee8;border-radius:10px;padding:11px 14px;cursor:pointer;font-size:15.5px;background:#fff}
.opt:hover{border-color:var(--accent)}
.opt input{accent-color:var(--cta)}
.opt:has(input:checked){border-color:var(--cta);background:#fff6f5}
.finder__out{position:sticky;top:90px;border:1px solid var(--line);border-radius:16px;padding:22px 24px;background:#f7f9fc;min-height:220px}
.finder__out h3{font-family:var(--display);font-size:24px;color:var(--navy);margin:0 0 8px}
.finder__out dl{display:grid;grid-template-columns:140px 1fr;margin:14px 0}
.finder__out dt{font-weight:650;color:var(--navy);font-size:14px;padding:6px 0;border-top:1px solid #e3e9f1}
.finder__out dd{margin:0;font-size:14px;padding:6px 0;border-top:1px solid #e3e9f1}
@media(max-width:900px){.finder{grid-template-columns:1fr}.finder__out{position:static}}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.hdr nav{gap:18px}
.form label.addon,.qcard .form--card label.addon{display:flex;gap:9px;align-items:flex-start;font-size:13.5px;font-weight:400!important;color:#2c3e55!important;
  background:#f5f8fc;border:1px solid #dfe6ef;border-radius:8px;padding:9px 11px;margin:12px 0 0!important;line-height:1.4}
.addon input{width:auto!important;margin-top:3px;flex:none;accent-color:var(--cta)}
.addon b{color:var(--navy)}
@media(max-width:1180px){.hdr nav a:not(.tel){display:none}}
.roles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.role{border:1px solid #dfe6ef;border-radius:14px;padding:18px 20px;background:#fff}
.role h3{font-family:var(--display);font-size:18px;color:var(--navy);margin:0 0 8px}
.role ul{margin:0;padding-left:18px;font-size:15px}.role li{margin:4px 0}
@media(max-width:960px){.roles{grid-template-columns:1fr 1fr}}@media(max-width:560px){.roles{grid-template-columns:1fr}}
.states{display:grid;grid-template-columns:1fr 1fr 1.2fr;gap:16px;align-items:stretch}
.states .card{height:100%}
.stpick{border:1px dashed #c7d2e0;border-radius:14px;padding:18px 20px;background:#fbfcfe}
.stpick select{width:100%;padding:10px;border:1px solid #d3dbe4;border-radius:8px;font:inherit;margin:8px 0}
.stpick p{font-size:14.5px;margin:0;color:#44566c}
@media(max-width:960px){.states{grid-template-columns:1fr}}
.cards--4{grid-template-columns:repeat(4,1fr)}
@media(max-width:960px){.cards,.cards--4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.cards,.cards--4{grid-template-columns:1fr}}
.card{text-decoration:none;color:inherit}
.card h3{color:var(--navy)}
.hdr .tel .ts{display:none}.hdr nav{gap:16px;flex-wrap:nowrap}.hdr nav a{white-space:nowrap}.hdr .mark__txt{white-space:nowrap}@media(max-width:560px){.hdr .mark__txt{white-space:normal;font-size:14px}.hdr__in{min-width:0}.hdr .tel .tl{display:none}.hdr .tel .ts{display:inline}.hdr nav{min-width:0;margin-left:8px}.hdr .tel{padding:8px 11px;font-size:12px}}
:root{--navy:#0e2a3b;--accent:#1f5a74;--accent-soft:#e6f0f3;--cta:#0f7a5a;--cta-hover:#0b5f46;--gold:#b0893e;--tint:#f5f7f6}
.util__in{gap:22px}.util__in span{display:inline-flex;align-items:center;gap:6px}
@media(max-width:700px){.u-hide,.util__in span:nth-child(2){display:none!important}.lh__pic,.lh__copy .lh__list{display:none}details.more{border:1px solid #dfe7e4;border-radius:10px;padding:8px 12px;margin:4px 0 10px;background:#f7f9f8}
details.more summary{cursor:pointer;font-weight:650;color:var(--navy);font-size:14px}
details.more summary span{font-weight:400;color:#6a7a80}
details.more[open]{padding-bottom:4px}
.rc{border:1px solid #dfe7e4;border-radius:16px;background:#fff;padding:22px;margin:18px 0 26px;box-shadow:0 10px 30px -22px rgba(14,42,59,.45)}
.rc h3{margin:0 0 4px;color:var(--navy);font-size:20px}.rc>p{margin:0 0 14px;color:#4a5a63;font-size:15px}
.rc fieldset{border:0;border-top:1px solid #edf1f0;margin:0;padding:12px 0}
.rc legend{font-weight:700;color:var(--navy);font-size:15px;padding:0;margin-bottom:6px}
.rc label{display:inline-flex;gap:6px;align-items:center;margin:4px 14px 4px 0;font-size:14.5px;cursor:pointer}
.rc input{accent-color:var(--cta)}
.rc__out{margin-top:14px;border-radius:12px;background:#f3f6f5;padding:16px}
.rc__bar{position:relative;height:14px;border-radius:999px;background:linear-gradient(90deg,#e7c9a0,#cfe3da 50%,#0f7a5a);margin:10px 0 6px}
.rc__dot{position:absolute;top:-5px;width:24px;height:24px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.25);transform:translateX(-50%);transition:left .3s}
.rc__ends{display:flex;justify-content:space-between;font-size:12.5px;color:#6b7c85}
.rc__band{font-size:18px;font-weight:700;color:var(--navy);margin:8px 0 4px}
.rc__hold li{margin:4px 0}
.reality{background:#fff8ec;border:1px solid #f0dcb8;border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;margin:0 0 20px}
.reality h2{margin-top:0}
.cta1{display:flex;gap:24px;align-items:center;justify-content:space-between;background:#fff;border:1px solid #dfe7e4;border-top:4px solid var(--cta);border-radius:16px;padding:26px}
.cta1 h2{margin:0 0 6px;color:var(--navy)}.cta1 p{margin:0;max-width:62ch;color:#4a5a63}
@media(max-width:760px){.cta1{flex-direction:column;align-items:flex-start}}
.updated{font-size:13px;color:#6b7c85;margin:-6px 0 12px}
.nofee-pill{margin-bottom:6px}}
@media(max-width:640px){.tabs{margin:0 -18px 16px}}
.lh--pic{background:linear-gradient(180deg,#f3f6f5,#e9efee)}
.lh--pic::before{display:none}
.lh__pic{margin:0 0 22px;border-radius:14px;overflow:hidden;box-shadow:0 14px 34px rgba(14,42,59,.16);aspect-ratio:16/7}
.lh__pic img{width:100%;height:100%;object-fit:cover;object-position:50% 30%;display:block}
.lh--pic .lh__credit{color:#6b7c85;text-shadow:none}.lh--pic .lh__credit a{color:#6b7c85}
@media(max-width:960px){.lh__pic{aspect-ratio:16/9;margin:18px 0 18px}}
details.more{border:1px solid #dfe7e4;border-radius:10px;padding:8px 12px;margin:4px 0 10px;background:#f7f9f8}
details.more summary{cursor:pointer;font-weight:650;color:var(--navy);font-size:14px}
details.more summary span{font-weight:400;color:#6a7a80}
details.more[open]{padding-bottom:4px}
.rc{border:1px solid #dfe7e4;border-radius:16px;background:#fff;padding:22px;margin:18px 0 26px;box-shadow:0 10px 30px -22px rgba(14,42,59,.45)}
.rc h3{margin:0 0 4px;color:var(--navy);font-size:20px}.rc>p{margin:0 0 14px;color:#4a5a63;font-size:15px}
.rc fieldset{border:0;border-top:1px solid #edf1f0;margin:0;padding:12px 0}
.rc legend{font-weight:700;color:var(--navy);font-size:15px;padding:0;margin-bottom:6px}
.rc label{display:inline-flex;gap:6px;align-items:center;margin:4px 14px 4px 0;font-size:14.5px;cursor:pointer}
.rc input{accent-color:var(--cta)}
.rc__out{margin-top:14px;border-radius:12px;background:#f3f6f5;padding:16px}
.rc__bar{position:relative;height:14px;border-radius:999px;background:linear-gradient(90deg,#e7c9a0,#cfe3da 50%,#0f7a5a);margin:10px 0 6px}
.rc__dot{position:absolute;top:-5px;width:24px;height:24px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 2px 6px rgba(0,0,0,.25);transform:translateX(-50%);transition:left .3s}
.rc__ends{display:flex;justify-content:space-between;font-size:12.5px;color:#6b7c85}
.rc__band{font-size:18px;font-weight:700;color:var(--navy);margin:8px 0 4px}
.rc__hold li{margin:4px 0}
.reality{background:#fff8ec;border:1px solid #f0dcb8;border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;margin:0 0 20px}
.reality h2{margin-top:0}
.updated{font-size:13px;color:#6b7c85;margin:-6px 0 12px}
.nofee-pill{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid #cfe3da;color:var(--cta);border-radius:999px;padding:8px 14px;margin:0 0 18px;font-size:15px}
.nofee-pill b{color:var(--navy);font-weight:700}
.qcard--tabs{padding-top:0;overflow:hidden}
.tabs{display:grid;grid-template-columns:1fr 1fr;margin:0 -26px 18px;border-bottom:1px solid #e1e8e6}
.tab{background:#f3f6f5;border:0;border-bottom:3px solid transparent;padding:14px 10px 11px;cursor:pointer;text-align:left;font:inherit;color:#5b6b72}
.tab b{display:block;font-size:15.5px;color:var(--navy)}.tab span{font-size:12.5px}
.tab[aria-selected="true"]{background:#fff;border-bottom-color:var(--cta)}
.tab[aria-selected="true"] b{color:var(--cta)}
.qcard--tabs:not(:has(.tabs)){padding-top:22px}
.pane h2{margin-top:4px}
.form textarea{width:100%;border:1px solid #d5dde2;border-radius:8px;padding:10px 12px;font:inherit;font-size:15px;resize:vertical;box-sizing:border-box;margin-bottom:10px}
.opt-l{font-weight:400;color:#7a8a90}
.fee-note{display:flex;align-items:center;justify-content:center;gap:6px;margin:10px 0 0;font-size:13.5px;color:var(--cta);font-weight:600}
.paths{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.path{display:block;border:1px solid #dfe7e4;border-radius:16px;padding:26px 26px 22px;background:#fff;text-decoration:none;color:inherit;box-shadow:0 10px 30px -22px rgba(14,42,59,.5);transition:transform .15s,box-shadow .15s;border-top:4px solid var(--cta)}
.path--plan{border-top-color:var(--gold)}
.path:hover{transform:translateY(-2px);box-shadow:0 18px 40px -24px rgba(14,42,59,.55)}
.path__k{display:inline-flex;gap:8px;align-items:center;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--cta)}
.path--plan .path__k{color:var(--gold)}
.path h3{font-family:var(--display);font-size:24px;color:var(--navy);margin:10px 0 8px}
.path p{margin:0 0 14px;color:var(--ink-2)}
.path__go{font-weight:700;color:var(--navy)}
@media(max-width:800px){.paths{grid-template-columns:1fr}}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.lede-md{font-size:19px;line-height:1.55;color:var(--navy);font-family:var(--display)}
ul.checks{list-style:none;padding:0}
ul.checks li{position:relative;padding-left:28px;margin:8px 0}
ul.checks li::before{content:"";position:absolute;left:2px;top:6px;width:14px;height:8px;border-left:2.5px solid var(--cta);border-bottom:2.5px solid var(--cta);transform:rotate(-45deg)}
ol.numbered li{margin:8px 0}
.band{background:var(--navy);color:#dbe6ea}
.band .sec-head h2{color:#fff}
.vsgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.vscard{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:20px}
.vscard h3{display:flex;gap:8px;align-items:center;color:#fff;font-size:17px;margin:0 0 8px}
.vscard h3 svg{color:#7fd1b0;flex:none}
.vscard p{margin:0;font-size:15px;color:#c9d7dc}
@media(max-width:1000px){.vsgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.vsgrid{grid-template-columns:1fr}}
.steps--4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.steps--4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.steps--4{grid-template-columns:1fr}}
.twoforms{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
.fcol{background:#fff;border:1px solid #dfe7e4;border-top:4px solid var(--cta);border-radius:16px;padding:22px}
.fcol--plan{border-top-color:var(--gold)}
.fcol__k{display:inline-flex;gap:8px;align-items:center;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--cta)}
.fcol--plan .fcol__k{color:var(--gold)}
.fcol h3{font-family:var(--display);font-size:22px;color:var(--navy);margin:8px 0 6px}
.fcol>p{margin:0 0 14px;color:var(--ink-2);font-size:15px}
@media(max-width:900px){.twoforms{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:start}
.split--rev{grid-template-columns:.75fr 1.25fr}
.photo-stack{display:grid;gap:16px}
.photo-stack img{width:100%;border-radius:16px;box-shadow:0 18px 40px -22px rgba(14,42,59,.45);aspect-ratio:4/3;object-fit:cover}
@media(max-width:900px){.split,.split--rev{grid-template-columns:1fr}.photo-stack{grid-template-columns:1fr 1fr}}
.prose table{width:100%;border-collapse:collapse;font-size:14.5px;margin:12px 0}
.prose th,.prose td{text-align:left;padding:9px 10px;border-bottom:1px solid #e3e9e7;vertical-align:top}
.prose th{background:#f1f5f4;color:var(--navy);font-size:12.5px;text-transform:uppercase;letter-spacing:.05em}
.prose h3{font-size:19px;color:var(--navy);margin:22px 0 6px}
a.cite{font-size:.82em;color:#6b7c85;text-decoration:underline dotted}
.note-sm{font-size:13.5px;color:#5a6b72}
.callbar .c{background:var(--gold)}

.morebetter{background:#fff;border:1px solid #dfe7e4;border-left:4px solid var(--gold);border-radius:12px;padding:14px 18px;margin:0 0 26px}
.morebetter h3{display:flex;gap:8px;align-items:center;margin:0 0 4px;font-size:17px;color:var(--navy)}.morebetter p{margin:0;font-size:15.5px}
.pmore-list{display:grid;gap:8px;margin:10px 0 22px}
.pmore{border:1px solid #e3e9e7;border-radius:12px;background:#fff}
.pmore summary{display:flex;gap:12px;align-items:center;padding:12px 16px;cursor:pointer;list-style:none}
.pmore summary::-webkit-details-marker{display:none}
.pmore summary b{color:var(--navy);flex:1}.pmore__g{font-size:12.5px;color:#6b7c85}
.pmore summary::after{content:"+";font-weight:700;color:var(--cta);font-size:20px}.pmore[open] summary::after{content:"–"}
.pmore__b{padding:0 16px 14px 58px;font-size:15px}
.ess{display:inline-block;background:#0f7a5a;color:#fff;font-size:10.5px;font-weight:700;border-radius:4px;padding:1px 6px;margin-left:4px;vertical-align:middle}
@media print{.pmore__b{display:block}}
.answer{background:#eef6f2;border-left:4px solid var(--cta);border-radius:10px;padding:14px 18px;margin:0 0 26px;font-size:17px}
.answer p{margin:0}
.prep-top{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:0 0 30px}
.callout{background:#fff;border:1px solid #dfe7e4;border-top:4px solid var(--cta);border-radius:14px;padding:18px}
.callout--gold{border-top-color:var(--gold)}
.callout h3{display:flex;gap:8px;align-items:center;margin:0 0 6px;font-size:17px;color:var(--navy)}
.callout p{margin:0;font-size:15.5px}
.sec2{font-family:var(--display);color:var(--navy);font-size:28px;margin:34px 0 8px}
.sysgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:14px 0 10px}
.syscard{display:block;border:1px solid #dfe7e4;border-radius:12px;padding:14px 16px;background:#fff;text-decoration:none;color:inherit}
.syscard:hover{border-color:var(--cta)}
.syscard b{display:block;color:var(--navy);font-size:16px}.syscard span{font-size:13px;color:#6b7c85}
.pgroup h2{font-family:var(--display);color:var(--navy);font-size:24px;margin:30px 0 10px;border-bottom:2px solid #e3e9e7;padding-bottom:6px}
.pgroup h2 span{font-family:var(--font,inherit);font-size:14px;font-weight:500;color:#6b7c85;margin-left:8px}
.pitem{border:1px solid #e3e9e7;border-radius:12px;padding:16px 18px;margin:0 0 12px;background:#fff}
.pitem__h{display:flex;gap:12px;align-items:center}.pitem__h h3{margin:0;font-size:18px;color:var(--navy)}
.pitem__n{flex:none;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:14px}
.pitem__period{margin:10px 0 4px;font-size:15px}.pitem__lbl{margin:8px 0 0;font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:#6b7c85}
.pitem ul.checks{margin:4px 0}.pitem ul.checks li{margin:4px 0;font-size:15px}
.pitem__why{margin:8px 0 0;font-size:15px;background:#f6f8f7;border-radius:8px;padding:8px 10px}
.getpdf{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start;background:#f3f6f5;border-radius:16px;padding:24px;margin:34px 0}
.getpdf h2{margin-top:0;color:var(--navy)}
.emailbox{position:relative;background:#0e2a3b;color:#e6eef1;border-radius:12px;padding:16px;margin:10px 0 20px}
.emailbox pre{white-space:pre-wrap;font:13.5px/1.55 ui-monospace,Menlo,Consolas,monospace;margin:0}
.copybtn{position:absolute;top:10px;right:10px;background:#fff;color:#0e2a3b;border:0;border-radius:8px;padding:6px 12px;font-weight:700;cursor:pointer}
.cktable{width:100%;border-collapse:collapse;font-size:14px}.cktable th,.cktable td{border:1px solid #d9e1de;padding:8px;vertical-align:top;text-align:left}
.cktable .grp td{background:#0e2a3b;color:#fff;font-weight:700}.cktable .box{font-size:20px;width:28px;text-align:center}.cktable .notes{width:22%}
.small{font-size:12.5px;color:#4a5a63;margin-top:3px}.ckmail{white-space:pre-wrap;font:12.5px/1.5 ui-monospace,Menlo,monospace;background:#f6f8f7;border:1px solid #dfe7e4;border-radius:8px;padding:12px}
.ck-sent{background:#eef6f2;border-left:4px solid var(--cta);padding:12px 16px;border-radius:8px;margin-bottom:16px}
.getready{display:flex;gap:24px;align-items:center;justify-content:space-between;background:#f3f6f5;border:1px solid #dfe7e4;border-radius:16px;padding:24px 26px}
.getready h2{font-family:var(--display);color:var(--navy);margin:4px 0 6px}.getready p{margin:0;max-width:70ch}
@media(max-width:760px){.getready{flex-direction:column;align-items:flex-start}}
@media(max-width:860px){.prep-top,.getpdf{grid-template-columns:1fr}.sysgrid{grid-template-columns:1fr 1fr}.cktable .notes{display:none}}
@media(max-width:520px){.sysgrid{grid-template-columns:1fr}}
@media print{.util,.hdr,.svcbar,.ftr,.callbar,.no-print,.trust{display:none!important}.ck{padding:0}.cktable{font-size:11px}body{background:#fff}}

/*lf-articles*/
.art{padding:48px 0}.art__wrap{max-width:780px}
.art__crumb{font-size:13.5px;color:#6b7c85;margin:0 0 14px}.art__crumb a{color:inherit}
.art__kick{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--cta,var(--accent))}
.art h1{font-family:var(--display);color:var(--navy,var(--ink));font-size:clamp(30px,4.4vw,44px);line-height:1.1;margin:8px 0 10px}
.art__meta{color:#6b7c85;font-size:14px;margin:0 0 26px}
.art__body{font-size:17.5px;line-height:1.65}.art__body h2{margin-top:30px}
.art__cta{margin:34px 0;padding:22px;border-radius:14px;background:var(--tint,#f4f7fa);border:1px solid #e1e8ec;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.art__cta p{margin:0}
.art__btn{display:inline-block;background:var(--cta,var(--accent,#0f766e));color:#fff!important;font-weight:700;text-decoration:none;padding:12px 20px;border-radius:10px}.art__btn:hover{filter:brightness(.92)}
.art__src,.art__rel{border-top:1px solid #e3e9ec;padding-top:14px;margin-top:22px;font-size:14.5px}
.art__src h2,.art__rel h2{font-size:15px;text-transform:uppercase;letter-spacing:.06em;color:#6b7c85}
.art__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:18px}
.art__card{display:block;border:1px solid #e1e8ec;border-radius:14px;padding:18px;background:#fff;text-decoration:none;color:inherit}
.art__card:hover{border-color:var(--cta,var(--accent))}
.art__card span{font-size:12.5px;color:#6b7c85}.art__card h3{font-size:18px;color:var(--navy,var(--ink));margin:6px 0}
.art__card p{margin:0;font-size:14.5px;color:#4a5a63}
.art__head{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.art--home{border-top:1px solid #e3e9ec}
@media(max-width:860px){.art__grid{grid-template-columns:1fr}}