/* Stalwart Settlement Services
   Palette taken from the company logo: charcoal wordmark, petrol teal, and the
   lime mark. Teal carries every interactive element; lime is reserved for the
   small rule under section eyebrows so it stays a signature, not a wash.
   The --oxide token name is historical; it holds the teal. */

:root{
  --ink:#3F4346;          /* logo charcoal */
  --paper:#F7F8F7;
  --surface:#FFFFFF;
  --slate:#3F4A50;
  --grey:#6B7377;
  --grey-soft:#98A0A4;
  --rule:#DFE3E2;
  --rule-soft:#EDF0EE;
  --oxide:#005F7E;        /* logo teal — primary accent */
  --oxide-deep:#00485F;
  --oxide-wash:#E4EFF3;
  --lime:#C8DD69;         /* logo lime — used sparingly */
  --lime-wash:#F4F8E2;
  --ok:#2C6E49;
  --shadow:0 1px 2px rgba(24,32,36,.04), 0 10px 28px rgba(24,32,36,.06);
  --measure:66ch;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --ink:#E6EAE9;
    --paper:#12171A;
    --surface:#192024;
    --slate:#BFC9CE;
    --grey:#98A0A4;
    --grey-soft:#727A7E;
    --rule:#2A3237;
    --rule-soft:#212930;
    --oxide:#5FB2D4;
    --oxide-deep:#7EC6E3;
    --oxide-wash:#122933;
    --lime:#C8DD69;
    --lime-wash:#232B14;
    --ok:#6FBF8F;
    --shadow:0 1px 2px rgba(0,0,0,.32), 0 10px 28px rgba(0,0,0,.3);
  }
}
:root[data-theme="dark"]{
  --ink:#E6EAE9;
  --paper:#12171A;
  --surface:#192024;
  --slate:#BFC9CE;
  --grey:#98A0A4;
  --grey-soft:#727A7E;
  --rule:#2A3237;
  --rule-soft:#212930;
  --oxide:#5FB2D4;
  --oxide-deep:#7EC6E3;
  --oxide-wash:#122933;
  --lime:#C8DD69;
  --lime-wash:#232B14;
  --ok:#6FBF8F;
  --shadow:0 1px 2px rgba(0,0,0,.32), 0 10px 28px rgba(0,0,0,.3);
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto;}*{animation:none!important;transition:none!important;}}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:'Archivo',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Source Serif 4',Georgia,serif;margin:0;font-weight:600;text-wrap:balance;letter-spacing:-.012em;}
p{margin:0;}
a{color:var(--oxide);}
img{max-width:100%;height:auto;}
:focus-visible{outline:2.5px solid var(--oxide);outline-offset:3px;border-radius:2px;}
.wrap{max-width:1120px;margin:0 auto;padding:0 clamp(1.15rem,4vw,2.25rem);}
.narrow{max-width:var(--measure);}
.skip{position:absolute;left:-9999px;}
.skip:focus{left:1rem;top:1rem;z-index:200;background:var(--oxide);color:#fff;padding:.7rem 1.1rem;border-radius:3px;}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:100;background:var(--surface);border-bottom:1px solid var(--rule);}
.nav-in{display:flex;align-items:center;gap:1.5rem;padding:.85rem 0;}
.brand{display:flex;flex-direction:column;text-decoration:none;color:var(--ink);line-height:1.1;flex:none;}
.brand b{font-family:'Archivo',sans-serif;font-size:1.24rem;font-weight:700;letter-spacing:.02em;text-transform:uppercase;color:var(--ink);}
.brand span{font-size:9px;letter-spacing:.26em;text-transform:uppercase;color:var(--oxide);font-weight:600;margin-top:.1rem;}
.brand .logo{height:38px;width:auto;display:block;}
.brand .wordmark{display:none;flex-direction:column;}
@media(max-width:520px){.brand .logo{height:30px;}}
.nav ul{display:flex;gap:1.05rem;list-style:none;margin:0;padding:0;margin-left:auto;align-items:center;}
.nav ul a{color:var(--slate);text-decoration:none;font-size:14px;font-weight:500;white-space:nowrap;}
.nav ul a:hover{color:var(--oxide);}
.nav ul a[aria-current=page]{color:var(--oxide);font-weight:600;}
.nav-cta{background:var(--oxide);color:#fff!important;padding:.55rem .95rem;border-radius:3px;font-weight:600!important;}
.nav-cta:hover{background:var(--oxide-deep);}
.nav-phones{display:flex;gap:1rem;font-size:13px;color:var(--grey);margin-left:auto;}
.nav-phones a{color:var(--slate);text-decoration:none;font-weight:600;}
.nav-phones i{font-style:normal;color:var(--grey-soft);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;display:block;}
.burger{display:none;margin-left:auto;background:none;border:1.5px solid var(--rule);border-radius:3px;padding:.45rem .6rem;cursor:pointer;color:var(--ink);font-size:15px;}
@media(max-width:1120px){
  .nav ul,.nav-phones{display:none;}
  .burger{display:block;}
  .nav ul.open{display:flex;flex-direction:column;align-items:flex-start;gap:.2rem;position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--rule);padding:.6rem 1.15rem 1.1rem;}
  .nav ul.open li{width:100%;}
  .nav ul.open a{display:block;padding:.6rem 0;border-bottom:1px solid var(--rule-soft);width:100%;}
  .nav ul.open .nav-cta{margin-top:.6rem;text-align:center;border-bottom:0;}
}

/* ---------- generic sections ---------- */
section{padding:clamp(2.75rem,6vw,4.5rem) 0;}
section.tight{padding:clamp(2rem,4vw,3rem) 0;}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--oxide);display:block;margin-bottom:.7rem;}
.eyebrow::after{content:'';display:block;width:34px;height:3px;background:var(--lime);margin-top:.55rem;border-radius:2px;}
.h-lead{font-size:clamp(1.7rem,3.7vw,2.5rem);line-height:1.15;}
.lede{color:var(--grey);font-size:clamp(1rem,1.9vw,1.12rem);max-width:var(--measure);margin-top:1rem;}
.prose > * + *{margin-top:1.1rem;}
.prose p,.prose li{color:var(--slate);max-width:var(--measure);}
.prose h2{font-size:clamp(1.35rem,2.8vw,1.75rem);margin-top:2.4rem;}
.prose h3{font-size:1.12rem;margin-top:1.7rem;}
.prose ul{padding-left:1.15rem;}
.prose li + li{margin-top:.5rem;}
.alt{background:var(--surface);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);}

/* ---------- buttons ---------- */
.btn{display:inline-block;background:var(--oxide);color:#fff;text-decoration:none;padding:.85rem 1.5rem;border-radius:3px;font-weight:600;font-size:15px;border:0;cursor:pointer;font-family:inherit;}
.btn:hover{background:var(--oxide-deep);}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--rule);}
.btn-ghost:hover{background:var(--surface);border-color:var(--oxide);color:var(--oxide);}
.btn-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.75rem;}

/* ---------- hero ---------- */
.hero{background:var(--surface);border-bottom:1px solid var(--rule);padding:clamp(2.75rem,7vw,5rem) 0 clamp(2.25rem,5vw,3.5rem);}
.hero h1{font-size:clamp(2.05rem,5.2vw,3.4rem);line-height:1.08;}
.hero .lede{font-size:clamp(1.02rem,2.1vw,1.2rem);}

/* two-state band — the company's actual shape, stated up front */
.states{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1px;background:var(--rule);border:1px solid var(--rule);border-radius:4px;overflow:hidden;margin-top:2.5rem;box-shadow:var(--shadow);}
.state{background:var(--surface);padding:1.5rem 1.5rem 1.6rem;}
.state .st{font-family:'Source Serif 4',Georgia,serif;font-size:1.3rem;font-weight:600;}
.state .ct{font-size:13px;color:var(--grey-soft);letter-spacing:.12em;text-transform:uppercase;margin-top:.15rem;}
.state .ph{display:inline-block;margin-top:.9rem;font-size:1.22rem;font-weight:700;color:var(--ink);text-decoration:none;font-variant-numeric:tabular-nums;}
.state .ph:hover{color:var(--oxide);}
.state .go{display:inline-block;margin-top:.85rem;font-size:14px;font-weight:600;color:var(--oxide);text-decoration:none;}
.state .go:hover{text-decoration:underline;}

/* ---------- cards ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(268px,1fr));gap:1.15rem;margin-top:2rem;}
.card{background:var(--surface);border:1px solid var(--rule);border-radius:4px;padding:1.5rem 1.45rem 1.6rem;box-shadow:var(--shadow);}
.card h3{font-size:1.14rem;margin-bottom:.5rem;}
.card p{font-size:14.8px;color:var(--grey);line-height:1.6;}
.card .go{display:inline-block;margin-top:1rem;font-size:14px;font-weight:600;color:var(--oxide);text-decoration:none;}
.card .go:hover{text-decoration:underline;}
a.card{text-decoration:none;color:inherit;display:block;}
a.card:hover{border-color:var(--oxide);}

/* numbered process — order genuinely matters here */
.steps{counter-reset:s;margin-top:2rem;display:grid;gap:0;}
.step{counter-increment:s;position:relative;padding:1.35rem 0 1.35rem 3.4rem;border-bottom:1px solid var(--rule-soft);}
.step:last-child{border-bottom:0;}
.step::before{content:counter(s,decimal-leading-zero);position:absolute;left:0;top:1.5rem;font-size:12.5px;font-weight:700;color:var(--oxide);letter-spacing:.06em;font-variant-numeric:tabular-nums;}
.step h3{font-size:1.06rem;margin-bottom:.3rem;}
.step p{font-size:14.8px;color:var(--grey);max-width:var(--measure);}

/* trust strip */
.trust{display:flex;flex-wrap:wrap;gap:.6rem 2rem;align-items:center;margin-top:1.5rem;padding-top:1.35rem;border-top:1px solid var(--rule);}
.trust span{font-size:13.5px;color:var(--grey);}
.trust b{color:var(--ink);font-weight:600;}

/* alert / wire fraud */
.alert{background:var(--oxide-wash);border-left:4px solid var(--oxide);border-radius:3px;padding:1.25rem 1.4rem;margin-top:1.5rem;}
.alert h3{font-size:1.06rem;color:var(--oxide-deep);margin-bottom:.4rem;}
.alert p{font-size:14.8px;color:var(--slate);}

/* ---------- form ---------- */
.formwrap{background:var(--surface);border:1px solid var(--rule);border-radius:4px;padding:clamp(1.5rem,3vw,2.1rem);box-shadow:var(--shadow);max-width:600px;}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;}
@media(max-width:560px){.frow{grid-template-columns:1fr;}}
.fld{margin-bottom:.75rem;}
.fld label{display:block;font-size:11.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--grey);margin-bottom:.35rem;}
.fld input,.fld select,.fld textarea{
  width:100%;padding:.75rem .85rem;font-size:15.5px;font-family:inherit;color:var(--ink);
  background:var(--paper);border:1.5px solid var(--rule);border-radius:3px;
}
.fld textarea{min-height:104px;resize:vertical;}
.fld input:focus,.fld select:focus,.fld textarea:focus{border-color:var(--oxide);outline:none;}
.hp{position:absolute;left:-9999px;}
.formnote{font-size:12.8px;color:var(--grey-soft);margin-top:.9rem;line-height:1.5;}
.formout{display:none;margin-top:.9rem;font-size:14.5px;}

/* ---------- footer ---------- */
footer{background:var(--slate);color:#D8DDE2;padding:clamp(2.5rem,5vw,3.5rem) 0 2rem;margin-top:0;}
:root:not([data-theme="light"]) footer{color:#C6CFD6;}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) footer{background:#0D1014;}}
:root[data-theme="dark"] footer{background:#0D1014;}
footer a{color:#fff;text-decoration:none;}
footer a:hover{text-decoration:underline;}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:2rem;}
.fgrid h4{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:#9AA6B0;font-family:'Archivo',sans-serif;font-weight:700;margin-bottom:.85rem;}
.fgrid ul{list-style:none;margin:0;padding:0;}
.fgrid li{margin-bottom:.5rem;font-size:14.5px;}
.fbrand img{height:42px;width:auto;display:block;margin-bottom:.2rem;}
.fbrand b{font-family:'Source Serif 4',Georgia,serif;font-size:1.2rem;color:#fff;display:block;}
.fbrand p{font-size:14px;color:#9AA6B0;margin-top:.6rem;max-width:34ch;line-height:1.6;}
.fbot{margin-top:2.5rem;padding-top:1.35rem;border-top:1px solid rgba(255,255,255,.14);font-size:12.8px;color:#8A96A0;line-height:1.7;}
.fbot a{color:#B9C3CB;}

/* ---------- tool cards (realtor hub) ---------- */
.tool-top{display:flex;align-items:center;gap:.6rem;margin-bottom:.7rem;}
.tool .ico{font-size:1.35rem;line-height:1;}
.tag{font-size:9.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;padding:.24rem .5rem;border-radius:2px;}
.tag-live{background:var(--lime-wash);color:#5C6B14;}
.tag-ask{background:var(--oxide-wash);color:var(--oxide-deep);}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .tag-live{color:var(--lime);}}
:root[data-theme="dark"] .tag-live{color:var(--lime);}
.card.tool p{min-height:0;}

/* ---------- calculators ---------- */
@media(min-width:900px){.calcgrid{grid-template-columns:minmax(0,330px) minmax(0,1fr)!important;align-items:start;}}
.panel{background:var(--surface);border:1px solid var(--rule);border-radius:4px;box-shadow:var(--shadow);}
.panel-h{padding:.9rem 1.15rem;border-bottom:1px solid var(--rule-soft);}
.panel-h h2{font-size:1.02rem;}
.panel-b{padding:1.15rem;}
.panel-b .fld select,.panel-b .fld input{width:100%;padding:.7rem .8rem;font-size:15.5px;font-family:inherit;
  color:var(--ink);background:var(--paper);border:1.5px solid var(--rule);border-radius:3px;}
.panel-b .fld input{font-variant-numeric:tabular-nums;}
.headline{padding:1.3rem 1.15rem;border-bottom:1px solid var(--rule-soft);background:var(--oxide-wash);}
.headline .k{font-size:11.5px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--oxide);}
.headline .v{font-size:clamp(2rem,6vw,2.8rem);font-weight:700;line-height:1.05;letter-spacing:-.02em;
  font-variant-numeric:tabular-nums;margin-top:.3rem;font-family:'Archivo',sans-serif;}
.headline .s{font-size:13.5px;color:var(--grey);margin-top:.35rem;}
table{width:100%;border-collapse:collapse;font-size:14.6px;}
th,td{text-align:left;padding:.58rem .3rem;border-bottom:1px solid var(--rule-soft);}
td.n{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap;}
tr.tot td{border-top:2px solid var(--ink);border-bottom:0;font-weight:700;padding-top:.7rem;}
tr.sub td{color:var(--grey);}
tr.credit td{color:var(--ok);}
.scroller{overflow-x:auto;}
h3.grp{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--grey-soft);
  font-family:'Archivo',sans-serif;font-weight:700;margin:1.4rem 0 .35rem;}
.who{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--rule);border:1px solid var(--rule);
  border-radius:3px;overflow:hidden;margin-top:.9rem;}
.who div{background:var(--paper);padding:.75rem .85rem;}
.who .lbl{display:block;font-size:10px;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--grey-soft);}
.who .amt{display:block;font-size:1.2rem;font-weight:700;font-variant-numeric:tabular-nums;margin-top:.2rem;}
.rulecite{margin-top:1rem;padding:.7rem .85rem;background:var(--lime-wash);border-left:3px solid var(--lime);
  border-radius:2px;font-size:13.2px;line-height:1.55;color:var(--slate);}
.rulecite b{color:var(--ink);}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .rulecite{color:var(--slate);}}

/* ---------- homepage promise band ---------- */
.promise{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.6rem 2.25rem;
  margin-top:2.5rem;padding-top:1.9rem;border-top:1px solid var(--rule);}
.promise > div{position:relative;padding-left:1.05rem;}
.promise > div::before{content:'';position:absolute;left:0;top:.38rem;width:3px;height:1.15rem;
  background:var(--lime);border-radius:2px;}
.promise b{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:1.02rem;
  font-weight:600;color:var(--ink);margin-bottom:.3rem;}
.promise span{display:block;font-size:14.2px;line-height:1.58;color:var(--grey);}
.underwriters{margin-top:1.9rem;padding-top:1.1rem;border-top:1px solid var(--rule-soft);
  font-size:13px;color:var(--grey-soft);}
.underwriters b{color:var(--grey);font-weight:600;}

/* ---------- forms hub tiles ---------- */
.formcard{position:relative;overflow:hidden;}
.formcard::before{content:'';position:absolute;inset:0 0 auto 0;height:4px;background:var(--tone);}
.formcard .ficon{display:flex;align-items:center;justify-content:center;width:46px;height:46px;
  border-radius:10px;background:var(--tone-wash);color:var(--tone);margin-bottom:1rem;}
.formcard .ficon svg{width:23px;height:23px;}
.formcard{--tone:var(--oxide);--tone-wash:var(--oxide-wash);}
.formcard.tone-lime{--tone:#7E8F1E;--tone-wash:var(--lime-wash);}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .formcard.tone-lime{--tone:var(--lime);}}
:root[data-theme="dark"] .formcard.tone-lime{--tone:var(--lime);}
.formcard:hover{border-color:var(--tone);}

/* ---------- long intake forms ---------- */
.intake{max-width:820px;}
.grp-box{border:1px solid var(--rule);border-radius:5px;padding:1.4rem 1.5rem 1.5rem;margin:0 0 1.15rem;
  background:var(--surface);box-shadow:var(--shadow);}
.grp-box legend{font-family:'Source Serif 4',Georgia,serif;font-size:1.12rem;font-weight:600;
  padding:0 .55rem;margin-left:-.55rem;color:var(--ink);}
.gnote{font-size:13.6px;line-height:1.6;color:var(--grey);margin:0 0 1.1rem;max-width:62ch;
  padding-left:.8rem;border-left:3px solid var(--lime);}
.fhint{display:block;font-size:12.4px;color:var(--grey-soft);margin:-.15rem 0 .35rem;
  text-transform:none;letter-spacing:0;font-weight:400;}
.filein{background:var(--paper);padding:.55rem;font-size:14px;}
.authtext{font-size:14px;line-height:1.65;color:var(--slate);background:var(--paper);
  border:1px solid var(--rule);border-radius:4px;padding:1rem 1.1rem;margin-bottom:1.2rem;}
.sigwrap{position:relative;border:1.5px dashed var(--rule);border-radius:4px;background:var(--paper);
  overflow:hidden;}
.sigwrap canvas{display:block;width:100%;height:200px;touch-action:none;cursor:crosshair;}
.sigclear{position:absolute;top:.5rem;right:.5rem;background:var(--surface);border:1px solid var(--rule);
  border-radius:3px;font-family:inherit;font-size:12px;font-weight:600;color:var(--grey);
  padding:.3rem .65rem;cursor:pointer;}
.sigclear:hover{color:var(--oxide);border-color:var(--oxide);}
.submitbar{margin-top:1.6rem;}
.submitbar .btn{width:100%;max-width:420px;}

/* ---------- per-page FAQ ---------- */
.faq-list{max-width:780px;margin-top:1.8rem;}
details.faq{border:1px solid var(--rule);border-radius:4px;background:var(--paper);margin-bottom:.6rem;}
details.faq summary{cursor:pointer;padding:.95rem 1.15rem;font-weight:600;font-size:15.5px;
  color:var(--ink);list-style:none;position:relative;padding-right:2.6rem;}
details.faq summary::-webkit-details-marker{display:none;}
details.faq summary::after{content:'+';position:absolute;right:1.1rem;top:.85rem;font-size:1.25rem;
  color:var(--oxide);font-weight:400;line-height:1;}
details.faq[open] summary::after{content:'\2013';}
details.faq[open] summary{border-bottom:1px solid var(--rule-soft);}
.faq-a{padding:.95rem 1.15rem 1.15rem;font-size:14.8px;line-height:1.68;color:var(--slate);max-width:64ch;}
.faq-more{margin-top:1.4rem;font-size:13.8px;color:var(--grey);}

/* ---------- blog ---------- */
.postcard{position:relative;}
.ptag{display:inline-block;font-size:9.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--oxide);background:var(--oxide-wash);padding:.24rem .5rem;border-radius:2px;margin-bottom:.75rem;}
.post-hero .byline{margin-top:1.1rem;font-size:13px;color:var(--grey-soft);}
.prose.post{max-width:none;}
.prose.post p,.prose.post li{max-width:68ch;}
.prose.post h2{font-size:clamp(1.25rem,2.6vw,1.6rem);margin-top:2.2rem;}
.related{margin-top:2.75rem;padding:1.3rem 1.5rem;background:var(--surface);border:1px solid var(--rule);
  border-left:3px solid var(--lime);border-radius:4px;max-width:68ch;}
.related h3{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--grey-soft);
  font-family:'Archivo',sans-serif;font-weight:700;margin-bottom:.7rem;}
.related ul{margin:0;padding-left:1.1rem;}
.related li{margin-bottom:.4rem;font-size:14.6px;}
.postcta{margin-top:1.6rem;padding:1.3rem 1.5rem;background:var(--oxide-wash);border-radius:4px;max-width:68ch;}
.postcta h3{font-size:1.05rem;color:var(--oxide-deep);margin-bottom:.4rem;}
.postcta p{font-size:14.6px;color:var(--slate);}

/* ---------- net sheet generator ---------- */
.nsgrid{display:grid;grid-template-columns:1fr;gap:1.5rem;}
@media(min-width:980px){.nsgrid{grid-template-columns:minmax(0,360px) minmax(0,1fr);align-items:start;}}
.nspreview{background:var(--surface);border:1px solid var(--rule);border-radius:5px;
  padding:.9rem;box-shadow:var(--shadow);}
.nspreview canvas{display:block;width:100%;height:auto;border:1px solid var(--rule-soft);border-radius:3px;}
@media print{
  .nav,footer,.btn-row,.hero .lede,.eyebrow,.formnote,.panel:first-child{display:none!important;}
  .nspreview{border:0;box-shadow:none;padding:0;}
  .nsgrid{grid-template-columns:1fr!important;}
  body{background:#fff;}
}

/* ---------- owner's vs loan comparison ---------- */
.compare{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1px;
  background:var(--rule);border:1px solid var(--rule);border-radius:5px;overflow:hidden;
  margin-top:2rem;box-shadow:var(--shadow);}
.ccol{background:var(--surface);padding:1.5rem 1.6rem 1.7rem;}
.ccol-alt{background:var(--paper);}
.clabel{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:1.18rem;
  font-weight:600;color:var(--ink);margin-bottom:1rem;padding-bottom:.7rem;
  border-bottom:3px solid var(--lime);}
.ccol-alt .clabel{border-bottom-color:var(--rule);}
.ccol ul{margin:0;padding-left:1.1rem;}
.ccol li{font-size:14.8px;line-height:1.6;color:var(--slate);margin-bottom:.55rem;}
.ccol li b{color:var(--ink);}

/* ---------- contextual internal links ---------- */
.reltd{background:var(--surface);border-top:1px solid var(--rule);
  padding:clamp(2rem,4vw,2.75rem) 0;}
.reltd h2{font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--grey-soft);
  font-family:'Archivo',sans-serif;font-weight:700;margin-bottom:1.1rem;}
.reltd-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(258px,1fr));gap:1rem;}
.relcard{display:block;background:var(--paper);border:1px solid var(--rule);border-radius:5px;
  overflow:hidden;text-decoration:none;color:var(--ink);transition:border-color .15s;}
.relcard img{display:block;width:100%;height:auto;aspect-ratio:1200/630;object-fit:cover;
  border-bottom:1px solid var(--rule);background:var(--surface);}
.relcard span{display:block;padding:.85rem 1rem 1rem;font-size:14.8px;font-weight:600;
  line-height:1.4;position:relative;padding-left:1.7rem;}
.relcard span::before{content:'';position:absolute;left:1rem;top:1.05rem;width:3px;height:15px;
  background:var(--lime);border-radius:2px;}
.relcard:hover{border-color:var(--oxide);}
.relcard:hover span{color:var(--oxide);}

/* blog article column, centred */
.prose.post{max-width:760px;margin-left:auto;margin-right:auto;}
.prose.post p,.prose.post li,.prose.post h2,.prose.post h3{max-width:none;}
.post-hero .wrap > *{max-width:760px;margin-left:auto;margin-right:auto;}
.post-hero .lede{margin-left:auto;margin-right:auto;}
.reltd-inline{background:transparent;border:0;padding:2.5rem 0 0;margin-top:2.5rem;
  border-top:1px solid var(--rule);}
.reltd-inline h2{font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--grey-soft);font-family:'Archivo',sans-serif;font-weight:700;margin-bottom:1.1rem;}
.postcta{margin-left:auto;margin-right:auto;}
.related{display:none;}

/* ================= blog article furniture ================= */

/* hero gets the brand, not plain paper */
.post-hero{background:linear-gradient(160deg,var(--oxide) 0%,#00445B 100%);border-bottom:0;}
.post-hero .eyebrow{color:var(--lime);}
.post-hero .eyebrow::after{background:var(--lime);}
.post-hero h1{color:#fff;}
.post-hero .lede{color:rgba(255,255,255,.86);}
.post-hero .byline{color:rgba(255,255,255,.62);font-size:13px;margin-top:1.2rem;
  padding-top:1rem;border-top:1px solid rgba(255,255,255,.18);}
.post-hero .byline time{color:rgba(255,255,255,.72);}

/* body typography with colour where it earns it */
.prose.post h2{color:var(--oxide);position:relative;padding-top:1.1rem;}
.prose.post h2::before{content:'';position:absolute;top:0;left:0;width:38px;height:4px;
  background:var(--lime);border-radius:2px;}
.prose.post b,.prose.post strong{color:var(--ink);}
.prose.post ul{list-style:none;padding-left:0;}
.prose.post ul li{position:relative;padding-left:1.5rem;}
.prose.post ul li::before{content:'';position:absolute;left:0;top:.62em;width:7px;height:7px;
  border-radius:50%;background:var(--lime);}

/* inline mini calculator */
.minicalc{background:var(--surface);border:1px solid var(--rule);border-top:4px solid var(--oxide);
  border-radius:5px;padding:1.5rem 1.6rem 1.6rem;margin:0 0 2.2rem;box-shadow:var(--shadow);}
.mc-eyebrow{font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--oxide);display:block;margin-bottom:.5rem;}
.minicalc h3{font-size:1.2rem;margin-bottom:.4rem;}
.minicalc > p{font-size:14.5px;color:var(--grey);margin-bottom:1.1rem;}
.mc-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:.75rem;margin-bottom:1.1rem;}
.mc-row label{display:block;font-size:11.5px;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;color:var(--grey);}
.mc-row input,.mc-row select{width:100%;margin-top:.35rem;padding:.65rem .75rem;font-size:15.5px;
  font-family:inherit;color:var(--ink);background:var(--paper);border:1.5px solid var(--rule);
  border-radius:3px;font-variant-numeric:tabular-nums;}
.mc-row input:focus,.mc-row select:focus{border-color:var(--oxide);outline:none;}
.mc-out{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;
  padding:.7rem 0;border-top:1px solid var(--rule-soft);}
.mc-out span{font-size:14.5px;color:var(--slate);}
.mc-out b{font-size:1.35rem;font-variant-numeric:tabular-nums;color:var(--ink);}
.mc-split{display:flex;gap:1.5rem;flex-wrap:wrap;margin-top:.8rem;padding-top:.8rem;
  border-top:2px solid var(--ink);font-size:14px;color:var(--grey);}
.mc-split b{color:var(--ink);font-variant-numeric:tabular-nums;margin-left:.3rem;}
.mc-full{display:inline-block;margin-top:1.1rem;font-size:14px;font-weight:600;
  color:var(--oxide);text-decoration:none;}
.mc-full:hover{text-decoration:underline;}

/* calculator + forms grids */
.calcgrid-blk,.formsblk{margin:2.5rem 0;padding:1.5rem 1.6rem 1.7rem;border-radius:5px;}
.calcgrid-blk{background:var(--oxide-wash);border:1px solid var(--rule);}
.formsblk{background:var(--surface);border:1px solid var(--rule);border-left:4px solid var(--lime);}
.calcgrid-blk h3,.formsblk h3{font-size:1.18rem;margin-bottom:.35rem;}
.calcgrid-blk > p,.formsblk > p{font-size:14.5px;color:var(--grey);margin-bottom:1.1rem;}
.fb-eyebrow{font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:#5C6B14;display:block;margin-bottom:.5rem;}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .fb-eyebrow{color:var(--lime);}}
:root[data-theme="dark"] .fb-eyebrow{color:var(--lime);}
.cg,.fb{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:.6rem;}
.cg a,.fb a{display:block;padding:.85rem 1rem;background:var(--surface);border:1px solid var(--rule);
  border-radius:4px;text-decoration:none;}
.formsblk .fb a{background:var(--paper);}
.cg a b,.fb a b{display:block;font-size:14.8px;color:var(--ink);margin-bottom:.2rem;}
.cg a span,.fb a span{display:block;font-size:13px;color:var(--grey);line-height:1.45;}
.cg a:hover,.fb a:hover{border-color:var(--oxide);}
.cg a:hover b,.fb a:hover b{color:var(--oxide);}
.fb-all{display:inline-block;margin-top:1rem;font-size:14px;font-weight:600;color:var(--oxide);text-decoration:none;}

/* agent CTA */
.agentcta{background:var(--ink);color:#EDE9E2;border-radius:5px;padding:1.6rem 1.7rem 1.8rem;margin:2.5rem 0;}
.agentcta .ac-eyebrow{font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--lime);display:block;margin-bottom:.5rem;}
.agentcta h3{color:#fff;font-size:1.25rem;margin-bottom:.45rem;}
.agentcta p{font-size:14.6px;color:rgba(255,255,255,.78);margin-bottom:1.2rem;max-width:52ch;}
.agentcta .btn{background:var(--lime);color:var(--ink);}
.agentcta .btn:hover{background:#D3E67C;}

.artnote{font-size:13px;color:var(--grey-soft);line-height:1.6;margin:2rem 0;
  padding-left:1rem;border-left:3px solid var(--rule);}
.artnote b{color:var(--grey);}

/* blog index cards get their state colour */
.postcard .ptag{background:var(--oxide-wash);color:var(--oxide);}

/* ================= reviews ================= */
.rv-hero{background:linear-gradient(160deg,var(--oxide) 0%,#00445B 100%);border-bottom:0;}
.rv-hero .eyebrow,.rv-hero .eyebrow::after{color:var(--lime);background-color:var(--lime);}
.rv-hero .eyebrow{background:none;color:var(--lime);}
.rv-hero h1{color:#fff;}
.rv-hero .lede{color:rgba(255,255,255,.86);}
.rv-score{display:flex;align-items:center;gap:1.1rem;margin-top:2rem;padding-top:1.6rem;
  border-top:1px solid rgba(255,255,255,.2);}
.rv-num{font-family:'Source Serif 4',Georgia,serif;font-size:3.4rem;font-weight:600;
  color:#fff;line-height:1;font-variant-numeric:tabular-nums;}
.rv-sub{display:block;font-size:13px;color:rgba(255,255,255,.7);margin-top:.25rem;}
.rv-hero .rv-stars{color:var(--lime);font-size:1.05rem;letter-spacing:.12em;}

.rvgrid{columns:3 300px;column-gap:1.15rem;}
.rvcard{break-inside:avoid;margin:0 0 1.15rem;background:var(--surface);border:1px solid var(--rule);
  border-radius:5px;padding:1.3rem 1.4rem 1.4rem;box-shadow:var(--shadow);}
.rvcard .rv-stars{color:#D9A400;font-size:.95rem;letter-spacing:.1em;display:block;margin-bottom:.7rem;}
.rvcard blockquote{margin:0;font-size:14.9px;line-height:1.65;color:var(--slate);}
.rvcard figcaption{margin-top:1rem;padding-top:.85rem;border-top:1px solid var(--rule-soft);}
.rvcard figcaption b{display:block;font-size:14.5px;color:var(--ink);}
.rvcard figcaption span{display:block;font-size:12.5px;color:var(--grey-soft);margin-top:.15rem;
  text-transform:capitalize;}
.rvcard:nth-child(4n+1){border-left:3px solid var(--lime);}
.rvcard:nth-child(4n+3){border-left:3px solid var(--oxide);}

.rv-honest{margin-top:2.5rem;padding:1.6rem 1.7rem;background:var(--paper);
  border:1px solid var(--rule);border-left:4px solid var(--oxide);border-radius:5px;max-width:70ch;}
.rv-honest h2{font-size:1.2rem;margin-bottom:.6rem;}
.rv-honest p{font-size:14.8px;color:var(--slate);line-height:1.68;}
.rv-honest p + p{margin-top:.8rem;}

/* ================= mid-page proof band ================= */
.proof{background:var(--surface);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);}
.pqgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:1.15rem;margin-top:2rem;}
.pq{margin:0;background:var(--paper);border:1px solid var(--rule);border-top:3px solid var(--lime);
  border-radius:5px;padding:1.3rem 1.4rem 1.4rem;}
.pq-stars{color:#D9A400;font-size:.95rem;letter-spacing:.1em;display:block;margin-bottom:.7rem;}
.pq blockquote{margin:0;font-size:14.9px;line-height:1.65;color:var(--slate);}
.pq figcaption{display:flex;align-items:center;gap:.7rem;margin-top:1.1rem;padding-top:.9rem;
  border-top:1px solid var(--rule-soft);}
.pq-av{flex:none;width:34px;height:34px;border-radius:50%;background:var(--oxide);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:12.5px;font-weight:700;letter-spacing:.02em;}
.pq figcaption b{font-size:14.3px;color:var(--ink);display:block;}
.pq figcaption i{font-style:normal;font-size:12.5px;color:var(--grey-soft);display:block;}
.proof-more{display:inline-block;margin-top:1.4rem;font-size:14px;font-weight:600;
  color:var(--oxide);text-decoration:none;}
.proof-more:hover{text-decoration:underline;}

.statband{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1px;
  background:var(--rule);border:1px solid var(--rule);border-radius:5px;overflow:hidden;margin-top:2rem;}
.statband > div{background:var(--ink);padding:1.3rem 1.2rem;text-align:center;}
.statband b{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:2.1rem;
  font-weight:600;color:var(--lime);line-height:1;font-variant-numeric:tabular-nums;}
.statband span{display:block;font-size:11.5px;letter-spacing:.11em;text-transform:uppercase;
  color:rgba(255,255,255,.66);margin-top:.5rem;}
.agentcta-wide{margin-top:2rem;display:grid;grid-template-columns:1fr auto;gap:1.5rem;align-items:center;}
.agentcta-wide .btn{white-space:nowrap;}
@media(max-width:700px){.agentcta-wide{grid-template-columns:1fr;}}
.agentcta-wide p{margin-bottom:0;}

/* ---------- team + offices ---------- */
.card.person{text-align:center;padding:1.7rem 1.4rem 1.6rem;}
.p-av{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;
  border-radius:50%;background:var(--oxide);color:#fff;font-family:'Source Serif 4',Georgia,serif;
  font-size:1.5rem;font-weight:600;letter-spacing:.02em;margin-bottom:1rem;}
.card.person h3{margin-bottom:.2rem;}
.p-role{font-size:13.5px;color:var(--oxide);font-weight:600;letter-spacing:.03em;}

.offices{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.1rem;margin-top:2rem;}
.office{background:var(--surface);border:1px solid var(--rule);border-top:3px solid var(--lime);
  border-radius:5px;padding:1.3rem 1.4rem 1.4rem;box-shadow:var(--shadow);}
.office .o-state{font-size:10.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--grey-soft);display:block;margin-bottom:.4rem;}
.office b{display:block;font-family:'Source Serif 4',Georgia,serif;font-size:1.12rem;
  font-weight:600;margin-bottom:.6rem;}
.office address{font-style:normal;font-size:14.4px;line-height:1.6;color:var(--slate);}
.o-tel{display:inline-block;margin-top:.85rem;font-size:15px;font-weight:700;color:var(--ink);
  text-decoration:none;font-variant-numeric:tabular-nums;}
.o-tel:hover{color:var(--oxide);}

.p-contact{margin-top:.85rem;padding-top:.8rem;border-top:1px solid var(--rule-soft);
  font-size:14px;line-height:1.7;}
.p-contact a{color:var(--slate);text-decoration:none;font-variant-numeric:tabular-nums;}
.p-contact a:hover{color:var(--oxide);text-decoration:underline;}