/* ---- tokens ---- */
:root{
  --ink:#131a26; --ink-2:#44506a; --ink-3:#59657d;
  --bg:#ffffff; --bg-2:#f6f7fb; --bg-3:#eef1f8;
  --line:#dfe4ef;
  --navy:#16305c; --navy-2:#0e2242;
  --gold:#765520; --gold-soft:#fdf6e9;
  --green:#12694c; --green-soft:#e8f5ef;
  --red:#9a2b2b; --red-soft:#fcecec;
  --radius:12px; --shadow:0 1px 2px rgba(19,26,38,.06),0 8px 24px rgba(19,26,38,.06);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 var(--sans);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--navy)}
h1,h2,h3{font-family:var(--serif);line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.1rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:1.15rem;font-family:var(--sans);font-weight:650;letter-spacing:0}
p{margin:0 0 1em}
.wrap{max-width:1120px;margin:0 auto;padding-inline:20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px 14px;z-index:99;border-radius:8px}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}

/* ---- header ---- */
.topbar{background:var(--navy-2);color:#cdd8ea;font-size:13px}
.topbar-in{display:flex;gap:16px;justify-content:space-between;align-items:center;padding-block:8px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600;text-decoration:none}
.site-head{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;gap:16px;padding-block:14px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);margin-right:auto}
.logo-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--navy);color:var(--gold);font-size:20px}
.logo strong{display:block;font-family:var(--serif);font-size:1.12rem}
.logo em{display:block;font-style:normal;font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-3)}
.nav{display:flex;align-items:center;gap:22px}
.nav a{text-decoration:none;color:var(--ink-2);font-size:14.5px;font-weight:550}
.nav a:hover{color:var(--navy)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;font-size:20px;padding:4px 12px;cursor:pointer}
@media(max-width:860px){
  .nav-toggle{display:block}
  .nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:0;padding-bottom:8px}
  .nav.open{display:flex}
  .nav a{padding:12px 4px;border-top:1px solid var(--line)}
  .nav .btn{margin-top:10px;text-align:center;border-top:0}
}

/* ---- buttons ---- */
.btn{display:inline-block;background:var(--navy);color:#fff!important;text-decoration:none;font-weight:650;
  padding:14px 26px;border-radius:10px;border:0;cursor:pointer;font-size:15.5px;transition:.15s}
.btn:hover{background:var(--navy-2);transform:translateY(-1px)}
.btn-sm{padding:9px 18px;font-size:14px}
.btn-gold{background:var(--gold)}.btn-gold:hover{background:#9d7231}
.btn-ghost{background:transparent;color:var(--navy)!important;border:1.5px solid var(--line)}
.btn-ghost:hover{background:var(--bg-2);border-color:var(--navy)}
.btn[disabled]{opacity:.5;pointer-events:none}

/* ---- sections ---- */
section{padding-block:clamp(48px,7vw,84px)}
.alt{background:var(--bg-2);border-block:1px solid var(--line)}
.eyebrow{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:12px}
.lede{font-size:1.16rem;color:var(--ink-2);max-width:62ch}
.center{text-align:center}.center .lede{margin-inline:auto}

/* ---- hero ---- */
.hero{background:linear-gradient(170deg,#0e2242,#16305c 55%,#1d3f76);color:#fff;padding-block:clamp(56px,8vw,96px)}
.hero h1{color:#fff}
.hero .lede{color:#c9d6ea}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:32px}}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero .btn-ghost{color:#fff!important;border-color:rgba(255,255,255,.35)}
.hero .btn-ghost:hover{background:rgba(255,255,255,.1)}
.hero-note{margin-top:22px;font-size:13.5px;color:#9fb3d4;max-width:48ch}
.hero-card{background:#fff;color:var(--ink);border-radius:14px;padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-card h2{font:650 1.15rem/1.2 var(--sans);letter-spacing:0;margin-bottom:14px}
.checks{list-style:none;margin:0;padding:0}
.checks li{padding-left:28px;position:relative;margin-bottom:11px;font-size:14.8px;color:var(--ink-2)}
.checks li::before{content:"✓";position:absolute;left:0;top:-1px;color:var(--green);font-weight:800}

/* ---- grids & cards ---- */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:8px}
.card p:last-child{margin-bottom:0}
.card .num{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;background:var(--gold-soft);
  color:var(--gold);font-weight:800;font-size:15px;margin-bottom:14px}
.muted{color:var(--ink-3);font-size:14.5px}

/* ---- compare table ---- */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--bg-3);font-size:12.5px;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-2)}
tbody tr:last-child td{border-bottom:0}
tbody th{font-weight:600}
caption{text-align:left;padding:14px 18px;font-weight:650;color:var(--ink)}
.tablewrap:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* ---- reading and navigation ---- */
[id]{scroll-margin-top:130px}
.page-links{display:flex;flex-wrap:wrap;gap:8px 20px;border-block:1px solid var(--line);padding-block:16px;margin-block:26px}
.page-links a{font-size:14.5px;font-weight:600;text-underline-offset:3px}
.narrow > h2{margin-top:38px}
.narrow > h3{margin-top:26px}
.source-note{font-size:13px;color:var(--ink-3);margin-top:18px}
.formula{padding:20px;border:1px solid var(--line);background:var(--bg-2);border-radius:var(--radius);font-size:1.12rem}
.content-figure{margin:28px 0}
.content-figure img{display:block;width:100%;height:auto}
.content-figure figcaption{font-size:14px;color:var(--ink-3);margin-top:12px}
.related-reading{margin-top:38px;padding-top:22px;border-top:1px solid var(--line)}
.related-reading ul{padding-left:22px}
@media print{.site-head,.site-foot,.urgent-strip,.hero-cta,.nav-toggle{display:none}section{padding-block:16px}.tablewrap{overflow:visible}table{min-width:0}.note,.card{break-inside:avoid}}

/* ---- callouts ---- */
.note{border-left:4px solid var(--gold);background:var(--gold-soft);padding:18px 22px;border-radius:0 10px 10px 0;margin-block:26px}
.note.warn{border-color:var(--red);background:var(--red-soft)}
.note.ok{border-color:var(--green);background:var(--green-soft)}
.note p:last-child{margin-bottom:0}
.note strong{display:block;margin-bottom:4px}

/* ---- price ---- */
.price-card{display:flex;flex-direction:column}
.price-card.feature{border-color:var(--navy);border-width:2px}
.tag{display:inline-block;background:var(--navy);color:#fff;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;
  font-weight:700;padding:4px 10px;border-radius:99px;margin-bottom:12px}
.amount{font-family:var(--serif);font-size:2.6rem;line-height:1;margin:6px 0 2px}
.amount small{font-size:.95rem;font-family:var(--sans);color:var(--ink-3);font-weight:500}
.price-card ul{list-style:none;padding:0;margin:18px 0}
.price-card li{padding-left:24px;position:relative;margin-bottom:9px;font-size:14.6px;color:var(--ink-2)}
.price-card li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:800}
.price-card .btn{margin-top:auto}

/* ---- faq ---- */
details{border:1px solid var(--line);border-radius:10px;padding:0;margin-bottom:10px;background:#fff}
summary{cursor:pointer;padding:16px 20px;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold);font-size:20px;line-height:1}
details[open] summary::after{content:"–"}
details .body{padding:0 20px 18px;color:var(--ink-2);font-size:15px}

/* ---- steps ---- */
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 30px 62px;border-left:2px solid var(--line);margin-left:18px}
.steps li:last-child{border-left-color:transparent;padding-bottom:0}
.steps li::before{content:counter(s);position:absolute;left:-19px;top:-4px;width:36px;height:36px;border-radius:50%;
  background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:15px}
.steps h3{margin-bottom:6px}

/* ---- district list ---- */
.districts{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.districts li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 20px}
.districts span{display:block;color:var(--ink-3);font-size:14px}

/* ---- forms / screener ---- */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(22px,4vw,36px);box-shadow:var(--shadow)}
.field{margin-bottom:20px}
label{display:block;font-weight:600;font-size:14.5px;margin-bottom:7px}
.hint{font-weight:400;color:var(--ink-3);font-size:13.5px;display:block;margin-top:2px}
input,select,textarea{width:100%;font:inherit;font-size:15.5px;padding:12px 14px;border:1.5px solid var(--line);
  border-radius:9px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--navy);outline:0}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:620px){.row{grid-template-columns:1fr}}
fieldset{border:0;padding:0;margin:0 0 20px}
legend{font-weight:600;font-size:14.5px;margin-bottom:7px;padding:0}
.radios{display:grid;gap:8px}
.radios label{display:flex;gap:10px;align-items:flex-start;font-weight:400;border:1.5px solid var(--line);
  border-radius:9px;padding:12px 14px;cursor:pointer;margin:0}
.radios label:hover{border-color:var(--navy)}
.radios input{width:auto;margin-top:3px}
.progress{height:6px;background:var(--bg-3);border-radius:99px;overflow:hidden;margin-bottom:28px}
.progress i{display:block;height:100%;background:var(--gold);transition:width .3s;width:0}
.stepnav{display:flex;gap:12px;justify-content:space-between;margin-top:8px}
.step[hidden]{display:none}
#result{margin-top:8px}
.result-head{font-family:var(--serif);font-size:1.6rem;margin-bottom:8px}

/* ---- footer ---- */
.site-foot{background:var(--navy-2);color:#a9bad4;font-size:14.5px;padding-top:56px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-bottom:40px}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}
.site-foot a{color:#d7e2f2;text-decoration:none;display:block;margin-bottom:8px}
.site-foot a:hover{color:#fff;text-decoration:underline}
.foot-brand{font-family:var(--serif);color:#fff;font-size:1.2rem;margin-bottom:10px}
.foot-h{color:#fff;font-weight:650;font-size:13px;letter-spacing:.09em;text-transform:uppercase;margin-bottom:14px}
.foot-legal{border-top:1px solid rgba(255,255,255,.14);padding-block:28px;font-size:13px;color:#8fa2bf}
.foot-legal strong{color:#ccd8ea}
.tiny{font-size:12.5px;color:#7d90ad;margin:0}

/* ---- spacing utilities ----------------------------------------------------
   These exist so no page needs an inline style= attribute; the site ships a
   strict Content-Security-Policy with style-src 'self', which blocks inline
   styles outright. Add a class here rather than reaching for style=". */
.mt-sm{margin-top:16px}
.mt{margin-top:26px}
.mt-md{margin-top:34px}
.mt-lg{margin-top:44px}
.mt-xl{margin-top:64px}
.flush{padding-inline:0}
.hold{max-width:820px;margin-inline:auto}
.hold-narrow{max-width:780px;margin-inline:auto}

/* ---- emergency / urgent ---------------------------------------------------
   Deliberately restrained: a law firm page for people in financial distress
   should read as steady, not as a countdown timer. One accent colour, no
   animation beyond a slow pulse, nothing dismissible-looking. */
.urgent-strip{background:var(--red-soft);border-bottom:1px solid #f0d4d4}
.urgent-strip-in{display:flex;align-items:center;gap:12px;padding-block:12px}
.urgent-strip p{margin:0;font-size:14.6px;color:#6d2020}
.urgent-strip a{color:var(--red);font-weight:700;white-space:nowrap}
.urgent-dot{flex:none;width:9px;height:9px;border-radius:50%;background:var(--red);
  animation:pulse 2.4s ease-in-out infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.35}}
@media (prefers-reduced-motion:reduce){.urgent-dot{animation:none}}

.urgent{background:var(--bg-2);border-block:1px solid var(--line)}
.urgent-eyebrow{color:var(--red)}
.urgent-card{border-top:3px solid var(--red)}
.urgent-card h3{color:var(--red);font-size:1.02rem}
.urgent-line{font-weight:600;color:var(--ink);margin-bottom:8px}
.urgent-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.urgent-caveat{max-width:70ch;margin:26px auto 0;text-align:center;font-size:13.2px;
  line-height:1.6;color:var(--ink-3)}