/* North Life Group, "Front Porch" (warm redesign of 2026-11-11, replaces "The Term Sheet").
   Warm white paper, a linen soft band, deep harbor navy for the dark bands, and one confident accent, the compass red of the logo.
   Real photography of agents at work, soft rounded cards, Source Serif headlines, Figtree text with tabular figures.
   Siblings stay distinct. InsureTerm is green and yellow, Christian Protection is chapel blue and gold,
   ProtectCasa is sand, aubergine and rose coral, TruckersProtect is safety orange.
   Every text pair is checked by the scripted contrast audit in both themes at 1440 and 390. */

:root {
  color-scheme: light;
  /* palette, light */
  --paper: #FBF8F3;      /* page ground, warm white */
  --paper-2: #F3EDE4;    /* linen, soft bands, answer card, notes */
  --surface: #FFFFFF;    /* cards, inputs, tables */
  --ink: #1D232C;        /* text and headings, a warm slate, never pure black */
  --sub: #555C67;        /* deks, meta, captions (6.2 on linen) */
  --rule: #E5DDD1;       /* hairlines */
  --rule-strong: #C9BFB1;
  --field: #8C8378;      /* input borders, UI contrast 3.4 on white */
  --north: #B3372B;      /* the one accent, buttons, needles, your row */
  --north-deep: #93291F; /* accent as text on tints, hover */
  --north-tint: #F9E7E1;
  --meridian: #3A5874;   /* second chart series only */
  --meridian-tint: #E4EBF1;
  --chart-muted: #8A8279;
  --ok: #1F7350;
  --band: #1C2A3A;       /* harbor navy, end band card and footer */
  --band-ink: #FFFFFF; --band-sub: #C9D3DE; --band-north: #FF9F8A; --band-rule: #34465A;
  --band-btn: #FFFFFF; --band-btn-ink: #1C2A3A; --band-btn-hover: #F3EDE4;
  --cta-bg: var(--north); --cta-bg-hover: var(--north-deep); --cta-ink: #FFFFFF;
  --focus: #2F5D8A; --focus-on-band: #FFFFFF;
  --logo-north: #B42E25; --logo-cut: var(--paper);
  --shadow-sm: 0 1px 2px rgba(29, 35, 44, .05), 0 2px 8px rgba(29, 35, 44, .05);
  --shadow: 0 1px 2px rgba(29, 35, 44, .06), 0 14px 36px rgba(29, 35, 44, .10);
  --photo-filter: none;

  --font-display: "Source Serif 4", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --font-body: "Figtree", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-mono: var(--font-body);
  --font-logo: "Archivo", "Arial Narrow", "Helvetica Neue", Arial, system-ui, sans-serif;
  --fs-base: 1.0625rem; --lh-body: 1.65; --fs-small: 0.9rem; --fs-kicker: 0.8125rem; --fs-h3: 1.25rem;
  --fs-h2: clamp(1.625rem, 1.25rem + 1.3vw, 2.375rem);
  --fs-h1: clamp(2.25rem, 1.5rem + 3vw, 3.75rem);
  --fs-figure: clamp(1.75rem, 1.4rem + 1.4vw, 2.5rem);
  --gutter: clamp(16px, 4vw, 40px); --section: clamp(56px, 8vw, 104px);
  --w-page: 1200px; --w-measure: 700px; --w-toc: 240px; --w-form: 660px;
  --radius: 18px; --radius-sm: 12px; --radius-btn: 999px; --tap: 44px; --btn-h: 50px; --hdr-h: 68px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    color-scheme: dark;
    --paper: #14181E; --paper-2: #1B2027; --surface: #222831; --ink: #EEE9E1; --sub: #B0B7C1;
    --rule: #2F3640; --rule-strong: #46505C; --field: #7D8794;
    --north: #FF8B74; --north-deep: #FFA592; --north-tint: #3A231F;
    --meridian: #93B5D6; --meridian-tint: #1C2834; --chart-muted: #8E96A1; --ok: #62CFA0;
    --band: #1D2B3B; --band-ink: #F3EFE8; --band-sub: #BCC8D5; --band-north: #FF9F8A; --band-rule: #34465A;
    --band-btn: #F3EFE8; --band-btn-ink: #1C2A3A; --band-btn-hover: #DCD5CA;
    --cta-bg: #FF8B74; --cta-bg-hover: #FFA592; --cta-ink: #14181E;
    --focus: #93B5D6; --focus-on-band: #F3EFE8;
    --logo-north: #FF7A66;
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, .3); --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 14px 36px rgba(0, 0, 0, .35);
    --photo-filter: brightness(.9) saturate(.95);
  }
}
:root[data-theme="dark"] {
  color-scheme: dark;
  --paper: #14181E; --paper-2: #1B2027; --surface: #222831; --ink: #EEE9E1; --sub: #B0B7C1;
  --rule: #2F3640; --rule-strong: #46505C; --field: #7D8794;
  --north: #FF8B74; --north-deep: #FFA592; --north-tint: #3A231F;
  --meridian: #93B5D6; --meridian-tint: #1C2834; --chart-muted: #8E96A1; --ok: #62CFA0;
  --band: #1D2B3B; --band-ink: #F3EFE8; --band-sub: #BCC8D5; --band-north: #FF9F8A; --band-rule: #34465A;
  --band-btn: #F3EFE8; --band-btn-ink: #1C2A3A; --band-btn-hover: #DCD5CA;
  --cta-bg: #FF8B74; --cta-bg-hover: #FFA592; --cta-ink: #14181E;
  --focus: #93B5D6; --focus-on-band: #F3EFE8;
  --logo-north: #FF7A66;
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, .3); --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 14px 36px rgba(0, 0, 0, .35);
  --photo-filter: brightness(.9) saturate(.95);
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--hdr-h) + 16px); }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 var(--fs-base)/var(--lh-body) var(--font-body); overflow-wrap: break-word; font-variant-numeric: tabular-nums; }
img, svg { max-width: 100%; }
[hidden] { display: none !important; }
figure { margin: 0; }
.wrap { max-width: var(--w-page); margin-inline: auto; padding-inline: var(--gutter); }
a { color: var(--ink); text-decoration: underline; text-decoration-color: color-mix(in srgb, var(--north) 70%, transparent); text-decoration-thickness: 1.5px; text-underline-offset: 3px; }
a:hover { color: var(--north-deep); text-decoration-color: currentColor; }
:focus-visible { outline: 2.5px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
.band :focus-visible { outline-color: var(--focus-on-band); }
h1, h2 { font-family: var(--font-display); font-optical-sizing: auto; line-height: 1.12; margin: 0; text-wrap: balance; color: var(--ink); }
h1 { font-size: var(--fs-h1); font-weight: 600; letter-spacing: -0.015em; }
h2 { font-size: var(--fs-h2); font-weight: 600; letter-spacing: -0.01em; }
h3 { font: 650 var(--fs-h3)/1.3 var(--font-body); margin: 0; }
p { margin: 0; }
.kicker { font: 650 var(--fs-kicker)/1.4 var(--font-body); letter-spacing: 0.02em; color: var(--north-deep); margin: 0; }
.band .kicker { color: var(--band-north); }
.num { font-variant-numeric: tabular-nums; }
.sr, .hp, .skip:not(:focus) { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); clip-path: inset(50%); white-space: nowrap; }
.skip:focus { position: fixed; left: 16px; top: 8px; z-index: 100; background: var(--surface); padding: 10px 14px; border-radius: var(--radius-sm); }
.needle { display: inline-block; width: 0.62em; height: 0.56em; background: var(--north); clip-path: polygon(50% 0, 100% 100%, 0 100%); margin-right: 0.45em; vertical-align: 0.02em; flex: 0 0 auto; }
.band .needle { background: var(--band-north); }
img { height: auto; }
figure img { display: block; width: 100%; filter: var(--photo-filter); }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: var(--btn-h); padding: 0 26px; border: 0; border-radius: var(--radius-btn);
  background: var(--cta-bg); color: var(--cta-ink); font: 650 1rem/1.1 var(--font-body); text-decoration: none; cursor: pointer; text-align: center; box-shadow: var(--shadow-sm);
  transition: background-color .15s ease, transform .15s ease; }
.btn:hover { background: var(--cta-bg-hover); color: var(--cta-ink); }
.btn:active { transform: translateY(1px); }
.btn-ghost { background: transparent; color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--rule-strong); }
.btn-ghost:hover { background: var(--paper-2); color: var(--ink); }
.band .btn { background: var(--band-btn); color: var(--band-btn-ink); }
.band .btn:hover { background: var(--band-btn-hover); color: var(--band-btn-ink); }
.btn[disabled] { opacity: 0.7; cursor: wait; }

/* ---------- header ---------- */
.hdr { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: color-mix(in srgb, var(--paper) 94%, transparent); backdrop-filter: saturate(1.2) blur(10px); -webkit-backdrop-filter: saturate(1.2) blur(10px); border-bottom: 1px solid var(--rule); }
.hdr-in { display: flex; align-items: center; gap: 20px; height: var(--hdr-h); }
.logo { display: inline-flex; align-items: center; gap: 10px; min-height: 44px; color: var(--ink); text-decoration: none; white-space: nowrap;
  font-family: var(--font-logo); font-weight: 800; font-stretch: 125%; font-variation-settings: "wdth" 125; letter-spacing: 0.02em; text-transform: uppercase; font-size: 1.0625rem; }
.logo:hover { color: var(--ink); }
.logo-mark { flex: 0 0 auto; }
.nav { display: flex; gap: 2px; margin-left: auto; }
.nav a { display: inline-flex; align-items: center; min-height: 44px; padding: 0 12px; border-radius: var(--radius-btn); color: var(--ink); text-decoration: none; font-weight: 550; font-size: 0.9375rem; }
.nav a:hover { background: var(--paper-2); color: var(--ink); }
.nav a[aria-current] { background: var(--north-tint); color: var(--north-deep); }
.hdr-cta { min-height: 44px; padding: 0 20px; font-size: 0.9375rem; }
.mnav { display: none; margin-left: auto; }
.mnav summary { list-style: none; display: inline-flex; align-items: center; justify-content: center; min-height: 44px; min-width: 76px; padding: 0 16px;
  border-radius: var(--radius-btn); box-shadow: inset 0 0 0 1.5px var(--rule-strong); background: var(--surface); font-weight: 650; cursor: pointer; }
.mnav summary::-webkit-details-marker { display: none; }
.mnav .m-close, .mnav[open] .m-open { display: none; }
.mnav[open] .m-close { display: inline; }
.mnav .sheet { position: fixed; left: 0; right: 0; top: calc(env(safe-area-inset-top, 0px) + var(--hdr-h)); bottom: 0; z-index: 60; overflow: auto;
  display: flex; flex-direction: column; gap: 16px; background: var(--paper); border-top: 1px solid var(--rule);
  padding: 8px var(--gutter) calc(24px + env(safe-area-inset-bottom, 0px)); }
.mnav .sheet nav { display: flex; flex-direction: column; }
.mnav .row { display: flex; align-items: center; min-height: 56px; border-bottom: 1px solid var(--rule); color: var(--ink); text-decoration: none; font-size: 1.125rem; font-weight: 550; }
.mnav .row[aria-current] { color: var(--north-deep); }
.mnav .sheet .btn { margin-top: auto; width: 100%; }
@media (max-width: 1099px) { .nav, .hdr-cta { display: none; } .mnav { display: block; } }
@media (max-width: 600px) { :root { --hdr-h: 60px; } .logo { font-size: 0.9375rem; gap: 8px; } }

/* ---------- page head ---------- */
.phead-band { background: var(--paper-2); border-bottom: 1px solid var(--rule); margin-bottom: 40px; }
.phead { padding-block: 24px 36px; display: grid; grid-template-columns: minmax(0, 1fr); gap: 24px; align-items: center; }
.phead-text { min-width: 0; }
.has-photo .phead { grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 48px; }
.phead-photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 3 / 2; max-width: 100%; }
.phead-photo img { height: 100%; object-fit: cover; }
@media (max-width: 860px) {
  .has-photo .phead { grid-template-columns: minmax(0, 1fr); gap: 24px; }
  .phead-photo { aspect-ratio: 16 / 9; }
}
.crumbs { display: flex; align-items: center; gap: 8px; min-width: 0; overflow: hidden; white-space: nowrap; margin-bottom: 16px; font: 500 0.875rem/20px var(--font-body); color: var(--sub); }
.crumbs a { display: inline-block; padding-block: 12px; color: var(--sub); text-decoration: none; overflow: hidden; text-overflow: ellipsis; min-width: 0; }
.crumbs a:hover { color: var(--ink); text-decoration: underline; }
.crumbs a:last-child { flex: 1 1 auto; }
.phead .kicker { margin-bottom: 12px; }
.phead h1 { max-width: 22ch; }
.dek { font-size: 1.1875rem; line-height: 1.55; color: var(--ink); max-width: 46rem; margin-top: 16px; }
.meta { display: flex; flex-wrap: wrap; gap: 4px 0; margin-top: 20px; font: 500 0.875rem/1.6 var(--font-body); color: var(--sub); }
.meta span + span::before { content: "·"; padding-inline: 10px; }
.meta a { color: var(--sub); }
.phead-band > .wrap:last-child:not(.phead) { padding-bottom: 32px; margin-top: -8px; }
.disclosure { max-width: 52rem; padding: 14px 18px; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); font-size: var(--fs-small); color: var(--ink); line-height: 1.55; }
.disclosure .kicker { display: inline; margin-right: 6px; }

/* ---------- layouts ---------- */
.article { display: grid; grid-template-columns: minmax(0, 1fr); gap: 48px; padding-bottom: 72px; }
.prose { max-width: var(--w-measure); min-width: 0; }
.rail { display: none; }
@media (min-width: 1180px) {
  .article { grid-template-columns: var(--w-toc) minmax(0, var(--w-measure)); gap: 72px; }
  .article .prose { grid-column: 2; grid-row: 1; }
  .rail { display: block; grid-column: 1; grid-row: 1; position: sticky; top: calc(var(--hdr-h) + 24px); align-self: start; }
  .toc-m { display: none; }
}
.narrow { padding-bottom: 72px; }
.narrow .prose { max-width: var(--w-measure); }

/* ---------- prose ---------- */
.prose > * + * { margin-top: 1em; }
.prose h2 { margin-top: 2.2em; }
.prose h2 + * { margin-top: 0.8em; }
.prose h3 { margin-top: 1.6em; }
.prose h3 + * { margin-top: 0.5em; }
.prose ul:not([class]), .prose ol:not([class]) { padding-left: 1.4em; }
.prose ul:not([class]) { list-style: none; padding-left: 1.4em; }
.prose ul:not([class]) li { position: relative; }
.prose ul:not([class]) li::before { content: ""; position: absolute; left: -1.15em; top: 0.62em; width: 0.45em; height: 0.45em; border-radius: 50%; background: var(--north); }
.prose li + li { margin-top: 0.45em; }
.prose strong { font-weight: 700; }
.prose sup { line-height: 0; font: 700 0.72em var(--font-body); }
.prose sup a { text-decoration: none; color: var(--north-deep); padding: 0 1px; }
.sec-dek { color: var(--sub); max-width: 46rem; }

/* ---------- answer card ---------- */
.answer { background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px 24px 22px; border-top: 4px solid var(--north); }
.answer-h { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 4px 16px; margin-bottom: 10px; }
.answer-h .kicker:last-child { color: var(--sub); font-weight: 550; }
.answer > p + p { margin-top: 0.7em; }
.answer .ledger { margin: 16px 0 0; }

/* ---------- ledger (the Payout Ledger), soft rows ---------- */
.ledger { background: var(--paper-2); border-radius: var(--radius-sm); padding: 4px 16px; margin: 1.5em 0; }
.answer .ledger, .calc-out .ledger { background: var(--paper-2); }
.ledger .row { display: flex; align-items: baseline; gap: 8px; padding: 12px 0; border-bottom: 1px solid var(--rule); }
.ledger .row:last-of-type { border-bottom: 0; }
.ledger .lab { display: inline-flex; align-items: baseline; font: 550 0.9375rem/1.45 var(--font-body); min-width: 0; }
.ledger .lead { flex: 1 1 24px; min-width: 16px; border-bottom: 1.5px dotted var(--rule-strong); transform: translateY(-4px); }
.ledger .amt { font: 700 1.0625rem/1.3 var(--font-body); font-variant-numeric: tabular-nums; text-align: right; white-space: nowrap; }
.ledger .lab { flex: 0 1 auto; }
.calc-out .ledger .amt, .answer .ledger .amt { white-space: normal; min-width: 0; }
.ledger .row.you { color: var(--north-deep); }
.ledger .row.you .lab, .ledger .row.you .amt { font-weight: 700; }
.ledger .row.total .amt { font-family: var(--font-display); font-size: var(--fs-figure); font-weight: 600; }
.ledger-foot { font-size: var(--fs-small); color: var(--sub); margin-top: 8px; }
.ledger + .ledger-foot { margin-top: 8px; }
.prose .ledger:has(+ .ledger-foot) { margin-bottom: 0; }
@media (max-width: 480px) { .ledger .lab { flex: 1 1 60%; } .ledger .lead { display: none; } .ledger .amt { margin-left: auto; } }

/* the "where a commission dollar goes" card under the home hero */
.strip, .strip.band { margin-top: clamp(40px, 6vw, 72px); padding-block: 0; background: transparent; color: var(--ink); }
.strip.band .kicker { color: var(--north-deep); }
.strip.band .needle { background: var(--north); }
.strip.band a:not(.btn) { color: var(--ink); text-decoration-color: var(--north); }
.strip.band :focus-visible { outline-color: var(--focus); }
.strip > .wrap > * { position: relative; }
.strip > .wrap { position: relative; }
.strip > .wrap::before { content: ""; position: absolute; inset: 0 var(--gutter); background: var(--paper-2); border-radius: var(--radius); z-index: 0; }
.strip > .wrap > .strip-head { padding: 28px clamp(18px, 3vw, 36px) 0; }
.strip > .wrap > .ledger-strip { margin: 0 clamp(18px, 3vw, 36px); }
.strip > .wrap > .strip-foot { padding: 0 clamp(18px, 3vw, 36px) 28px; }
.strip-head { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 4px 16px; margin-bottom: 16px; }
.strip.band .strip-head .kicker:last-child { color: var(--sub); font-weight: 550; }
.ledger-strip { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; background: transparent; padding: 0; border-radius: 0; }
.ledger-strip .row { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; padding: 18px 18px 20px; border: 0; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); }
.ledger-strip .row:last-of-type { border-bottom: 0; }
.ledger-strip .lab { color: var(--ink); font-weight: 650; }
.ledger-strip .amt { display: flex; align-items: flex-end; gap: 6px; font: 600 var(--fs-figure)/1 var(--font-display); color: var(--ink); }
.ledger-strip .slot { display: inline-block; width: 3.2em; height: 0.85em; border-bottom: 2px dashed var(--rule-strong); }
.ledger-strip .sub { font-size: var(--fs-small); color: var(--sub); line-height: 1.45; }
.ledger-strip .you { background: var(--north-tint); box-shadow: none; }
.ledger-strip .you .lab, .ledger-strip .you .amt { color: var(--north-deep); }
.ledger-strip .you .sub { color: var(--ink); }
.ledger-strip .you .slot { border-bottom-color: var(--north); }
.strip-foot { margin-top: 16px; font-size: var(--fs-small); color: var(--sub); max-width: 56rem; }
.strip-foot a { color: var(--ink); }
.band a:not(.btn) { color: var(--band-ink); text-decoration-color: var(--band-north); }
@media (max-width: 960px) { .ledger-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) {
  .ledger-strip { grid-template-columns: 1fr; gap: 8px; }
  .ledger-strip .row { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: end; gap: 6px 16px; padding: 14px 16px; }
  .ledger-strip .amt { grid-column: 2; grid-row: 1; justify-self: end; }
  .ledger-strip .sub { grid-column: 1 / -1; }
}

/* ---------- term sheet ---------- */
dl.terms { margin: 1.5em 0; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); padding: 4px 18px; }
dl.terms > div { display: flex; align-items: baseline; gap: 8px; padding: 13px 0; border-bottom: 1px solid var(--rule); }
dl.terms > div:last-child { border-bottom: 0; }
dl.terms dt { display: flex; align-items: baseline; flex: 1 1 auto; gap: 8px; min-width: 0; font: 600 0.9375rem/1.45 var(--font-body); color: var(--sub); }
dl.terms dt::after { content: ""; flex: 1 1 16px; min-width: 16px; border-bottom: 1.5px dotted var(--rule-strong); transform: translateY(-4px); }
dl.terms dd { margin: 0; flex: 0 1 60%; text-align: right; }
@media (max-width: 560px) {
  dl.terms > div { display: block; }
  dl.terms dt::after { display: none; }
  dl.terms dd { text-align: left; margin-top: 2px; }
}

/* ---------- tables ---------- */
.tw { overflow-x: auto; margin: 1.5em 0 0.5em; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); border: 1px solid var(--rule); -webkit-overflow-scrolling: touch;
  background-image: linear-gradient(to left, var(--surface), var(--surface)), linear-gradient(to left, rgba(29, 35, 44, 0.12), rgba(29, 35, 44, 0));
  background-position: right center, right center; background-size: 24px 100%, 16px 100%; background-repeat: no-repeat; background-attachment: local, scroll; }
.tw table { width: 100%; border-collapse: collapse; font-size: 0.9375rem; line-height: 1.45; }
.tw table:not(.simple) { min-width: 540px; }
.tw caption { caption-side: top; text-align: left; padding: 14px 14px 8px; font: 650 0.9375rem/1.4 var(--font-body); color: var(--ink); }
.tw th { padding: 10px 14px; text-align: left; vertical-align: bottom; background: var(--paper-2); border-bottom: 1px solid var(--rule); font: 650 0.8125rem/1.4 var(--font-body); color: var(--ink); }
.tw td { padding: 11px 14px; vertical-align: top; border-bottom: 1px solid var(--rule); }
.tw tr:last-child td { border-bottom: 0; }
.tw th:first-child, .tw td:first-child { position: sticky; left: 0; z-index: 1; }
.tw td:first-child { background: var(--surface); }
.tw th:first-child { background: var(--paper-2); }
.tw td.num, .tw th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.tw tr.you td { color: var(--north-deep); font-weight: 650; background: var(--north-tint); }
.tcap { font-size: var(--fs-small); color: var(--sub); }
.prose .tw + .tcap { margin-top: 0.5em; }
.yes, .no, .part { font: 700 0.875rem/1.3 var(--font-body); white-space: nowrap; }
.yes { color: var(--ok); } .no { color: var(--north-deep); } .part { color: var(--meridian); }
.yes::before { content: "+ "; } .no::before { content: "\00D7 "; } .part::before { content: "\2248 "; }

/* ---------- callouts ---------- */
.note { margin: 1.5em 0; padding: 18px 22px; background: var(--paper-2); border-radius: var(--radius-sm); }
.note.info { background: var(--meridian-tint); }
.note.fine { background: var(--north-tint); }
.note .lab { font: 700 0.875rem/1.4 var(--font-body); margin-bottom: 6px; color: var(--ink); }
.note.fine .lab { color: var(--north-deep); }
.note > p + p { margin-top: 0.6em; }

/* ---------- lists ---------- */
ol.steps { list-style: none; counter-reset: s; padding: 0; margin: 1.5em 0; display: grid; gap: 10px; }
ol.steps > li { counter-increment: s; position: relative; min-height: 64px; padding: 16px 18px 16px 70px; margin: 0; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); }
ol.steps > li::before { content: counter(s); position: absolute; left: 16px; top: 14px; width: 38px; height: 38px; display: grid; place-items: center; border-radius: 50%;
  background: var(--north-tint); color: var(--north-deep); font: 700 1rem/1 var(--font-body); }
ul.checklist { list-style: none; padding: 0; margin: 1.5em 0; }
ul.checklist > li { position: relative; padding: 10px 0 10px 36px; border-bottom: 1px solid var(--rule); margin: 0; }
ul.checklist > li:last-child { border-bottom: 0; }
ul.checklist > li::before { content: ""; position: absolute; left: 2px; top: 14px; width: 20px; height: 20px; border-radius: 50%; background: var(--north-tint); }
ul.checklist > li::after { content: ""; position: absolute; left: 8px; top: 19px; width: 8px; height: 5px; border-left: 2px solid var(--north-deep); border-bottom: 2px solid var(--north-deep); transform: rotate(-45deg); }
.proscons { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin: 1.5em 0; }
.proscons > div { padding: 16px 20px 18px; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); }
.proscons .lab { font: 700 0.875rem/1.4 var(--font-body); margin-bottom: 6px; }
.proscons .pros .lab { color: var(--ok); }
.proscons .cons .lab { color: var(--north-deep); }
.proscons ul { margin: 0; padding-left: 1.2em; }
@media (max-width: 560px) { .proscons { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 8px; }
.faq details { background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); padding-inline: 18px; }
.faq summary { list-style: none; position: relative; min-height: 52px; padding: 15px 40px 15px 0; font-weight: 650; cursor: pointer; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 11px; width: 28px; height: 28px; display: grid; place-items: center; border-radius: 50%; background: var(--north-tint); color: var(--north-deep); font: 600 20px/1 var(--font-body); }
.faq details[open] summary::after { content: "\2212"; }
.faq details > p { padding: 0 0 18px; }

/* ---------- sources ---------- */
ol.sources { list-style: none; counter-reset: src; padding: 0; margin: 1em 0 0; font-size: 0.9375rem; line-height: 1.5; }
ol.sources > li { counter-increment: src; position: relative; padding: 10px 0 10px 40px; border-bottom: 1px solid var(--rule); margin: 0; }
ol.sources > li::before { content: counter(src); position: absolute; left: 0; top: 11px; width: 26px; height: 26px; display: grid; place-items: center; border-radius: 50%; background: var(--paper-2); font: 650 0.8125rem/1 var(--font-body); color: var(--sub); }
ol.sources > li:target { background: var(--north-tint); border-radius: 8px; }
ol.sources a { word-break: break-word; }

/* ---------- diagrams and charts ---------- */
figure.drawing { margin: 2em 0; padding: 20px 18px 16px; background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow-sm); color: var(--ink); }
figure.drawing svg { display: block; width: 100%; height: auto; }
figure.drawing .d-tall { display: none; }
@media (max-width: 559px) { figure.drawing { padding: 16px 12px 14px; } figure.drawing .d-wide { display: none; } figure.drawing .d-tall { display: block; max-width: 360px; margin-inline: auto; } }
.d-node { fill: var(--surface); stroke: var(--rule-strong); stroke-width: 1.5; rx: 8px; }
.d-node-soft { fill: var(--paper-2); stroke: var(--rule); stroke-width: 1.5; rx: 8px; }
.d-node-you { fill: var(--north-tint); stroke: var(--north); stroke-width: 2; rx: 8px; }
.d-line { fill: none; stroke: var(--chart-muted); stroke-width: 1.5; stroke-linecap: round; }
.d-money { fill: none; stroke: var(--north); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.d-meridian { fill: none; stroke: var(--meridian); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.d-dash { fill: none; stroke: var(--chart-muted); stroke-width: 1.5; stroke-dasharray: 5 5; }
.d-area { fill: var(--north); fill-opacity: .14; }
.d-area-2 { fill: var(--meridian); fill-opacity: .14; }
.d-grid { stroke: var(--rule); stroke-width: 1; }
.d-axis { stroke: var(--rule-strong); stroke-width: 1.5; }
.d-dot, .d-needle { fill: var(--north); }
.d-arrow { fill: var(--chart-muted); }
.d-lab { font: 550 12.5px var(--font-body); fill: var(--sub); }
.d-lab-strong { font: 700 13px var(--font-body); fill: var(--ink); }
.d-lab-you { font: 700 13px var(--font-body); fill: var(--north-deep); }
.d-text { font: 400 14px var(--font-body); fill: var(--ink); }
ul.legend { list-style: none; display: flex; flex-wrap: wrap; gap: 6px 20px; padding: 0; margin: 14px 0 0; font-size: var(--fs-small); }
ul.legend li { display: inline-flex; align-items: center; gap: 8px; }
ul.legend i { display: inline-block; width: 22px; border-top: 3px solid var(--chart-muted); border-radius: 2px; }
.k-money { border-top-color: var(--north) !important; }
.k-meridian { border-top-color: var(--meridian) !important; }
.k-dash { border-top: 2px dashed var(--chart-muted) !important; }
.k-area { height: 12px; border: 1.5px solid var(--north) !important; background: var(--north-tint); border-radius: 3px; }
.k-you { width: 12px !important; height: 11px; border: 0 !important; background: var(--north); clip-path: polygon(50% 0, 100% 100%, 0 100%); }
figcaption { margin-top: 12px; font: 500 0.875rem/1.5 var(--font-body); color: var(--sub); }

/* ---------- calculators ---------- */
form.calc { display: grid; grid-template-columns: minmax(0, 1fr); gap: 24px; margin: 2em 0; padding: 24px; background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow); }
@media (max-width: 480px) { form.calc { padding: 18px 16px; } }
.calc-title { font: 700 1rem/1.4 var(--font-body); margin-bottom: 14px; }
.fld { display: block; margin: 0 0 14px; min-width: 0; }
.fld > span, .fld > legend { display: block; margin-bottom: 6px; font-weight: 650; font-size: 0.9375rem; padding: 0; }
fieldset.fld { border: 0; padding: 0; }
.fld input, .fld select { display: block; width: 100%; min-height: var(--btn-h); padding: 0 14px; border: 1.5px solid var(--field); border-radius: var(--radius-sm);
  background: var(--surface); color: var(--ink); font: 400 16px/1.2 var(--font-body); }
.fld input:hover, .fld select:hover { border-color: var(--ink); }
.fld input:focus-visible, .fld select:focus-visible { outline: 2.5px solid var(--focus); outline-offset: 1px; border-color: var(--focus); }
.fld-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 12px; }
.chk { display: flex; align-items: center; gap: 10px; min-height: 44px; font-size: 0.9375rem; }
.chk input { width: 22px; height: 22px; accent-color: var(--north); }
.calc-out { min-width: 0; background: var(--paper-2); border-radius: var(--radius-sm); padding: 18px; }
.calc-out .ledger { background: var(--surface); }
.calc-big-lab { display: block; font: 650 0.875rem/1.4 var(--font-body); color: var(--sub); }
.calc-big { display: block; margin: 4px 0 6px; font: 600 var(--fs-figure)/1.1 var(--font-display); font-variant-numeric: tabular-nums; color: var(--north-deep); }
.calc-out .ledger { margin: 10px 0; }
.calc-warn { padding: 10px 14px; background: var(--north-tint); color: var(--ink); border-radius: 10px; font-size: var(--fs-small); margin: 10px 0; }
.calc-note { font-size: var(--fs-small); color: var(--sub); margin-top: 10px; }
details.math { margin-top: 12px; border-top: 1px solid var(--rule); }
details.math summary { min-height: 44px; display: flex; align-items: center; font-weight: 650; cursor: pointer; }
details.math > *:not(summary) { font-size: var(--fs-small); margin-top: 6px; }
.calc-act { margin-top: 14px; }
.calc-mini { position: fixed; left: 0; right: 0; bottom: 0; z-index: 41; display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 12px var(--gutter) calc(12px + env(safe-area-inset-bottom, 0px)); background: var(--surface); border-top: 1px solid var(--rule); box-shadow: 0 -8px 24px rgba(29, 35, 44, .10); }
.calc-mini b { font: 700 1.125rem var(--font-body); color: var(--north-deep); }

/* ---------- lists of pages ---------- */
ul.hublist { list-style: none; padding: 0; margin: 1.5em 0; display: grid; gap: 12px; }
ul.hublist > li { display: grid; gap: 6px; align-content: start; padding: 18px 20px; margin: 0; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); }
ul.hublist a { font: 650 1.125rem/1.35 var(--font-body); justify-self: start; text-decoration-color: transparent; }
ul.hublist a:hover { text-decoration-color: currentColor; }
ul.hublist .d { color: var(--ink); font-size: 0.9875rem; }
ul.hublist .m { font: 500 0.8125rem/1.4 var(--font-body); color: var(--sub); }
.related { padding-bottom: 64px; }
.related .hublist { max-width: var(--w-measure); }
.home .hublist { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
@media (max-width: 760px) { .home .hublist { grid-template-columns: 1fr; } }

/* ---------- contents rail ---------- */
.toc ol { list-style: none; padding: 0; margin: 10px 0 24px; }
.toc li { position: relative; display: grid; grid-template-columns: 26px minmax(0, 1fr); align-items: baseline; border-bottom: 1px solid var(--rule); }
.toc .sn { font: 600 0.8125rem/1 var(--font-body); color: var(--sub); }
.toc a { display: flex; align-items: center; min-height: 44px; padding: 8px 0; font-size: 0.9rem; line-height: 1.35; text-decoration: none; color: var(--ink); }
.toc a:hover { color: var(--north-deep); }
.toc li.on .sn { color: var(--north-deep); }
.toc li.on a { font-weight: 650; }
.toc li.on::before { content: ""; position: absolute; left: -14px; top: 50%; width: 7px; height: 7px; margin-top: -3.5px; border-radius: 50%; background: var(--north); }
.toc-m { margin: 20px 0; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); padding-inline: 16px; }
.toc-m summary { min-height: 50px; display: flex; align-items: center; font: 650 0.9375rem/1 var(--font-body); cursor: pointer; }
.toc-m ol { list-style: none; padding: 0; margin: 0 0 8px; }
.toc-m li { display: grid; grid-template-columns: 30px minmax(0, 1fr); align-items: center; border-top: 1px solid var(--rule); }
.toc-m .sn { font: 600 0.8125rem/1 var(--font-body); color: var(--sub); }
.toc-m a { display: flex; align-items: center; min-height: 44px; padding: 6px 0; text-decoration: none; color: var(--ink); }
.rail-card { padding: 0 0 16px; background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.rail-card > *:not(.rail-photo) { margin-inline: 16px; }
.rail-photo { aspect-ratio: 16 / 10; overflow: hidden; margin-bottom: 14px; }
.rail-photo img { height: 100%; object-fit: cover; }
.rail-card p:not(.kicker) { font-size: var(--fs-small); margin-top: 6px; margin-bottom: 12px; }
.rail-card .btn { display: flex; min-height: 44px; font-size: 0.9375rem; padding: 0 12px; }
.rail-call { display: flex; align-items: center; justify-content: center; min-height: 44px; font-weight: 650; font-size: 0.9375rem; }

/* ---------- home ---------- */
.hero { padding-top: clamp(28px, 5vw, 64px); }
.hero-in { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.15fr); gap: clamp(28px, 4vw, 64px); align-items: center; }
.hero-copy { max-width: 36rem; }
.hero .kicker { margin-bottom: 16px; }
.hero h1 { font-size: clamp(2.375rem, 1.4rem + 3.6vw, 4.25rem); max-width: 14ch; }
.hero .dek { font-size: clamp(1.125rem, 1rem + 0.5vw, 1.3125rem); max-width: 34rem; color: var(--sub); }
.hero-act { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px; margin-top: 28px; }
.hero-link { display: inline-flex; align-items: center; min-height: 44px; font-weight: 650; }
.hero-link::after { content: ""; width: 0.45em; height: 0.5em; margin-left: 0.45em; background: var(--north); clip-path: polygon(0 0, 100% 50%, 0 100%); }
.hero-photo { position: relative; border-radius: 28px; box-shadow: var(--shadow); aspect-ratio: 3 / 2; }
.hero-photo img { height: 100%; object-fit: cover; border-radius: 28px; }
.hero-chip { position: absolute; left: -18px; bottom: 22px; display: flex; align-items: center; gap: 2px; max-width: min(320px, 80%); margin: 0; padding: 12px 16px;
  background: var(--surface); color: var(--ink); border-radius: var(--radius-sm); box-shadow: var(--shadow); font: 600 0.9375rem/1.35 var(--font-body); }
@media (max-width: 900px) {
  .hero-in { grid-template-columns: minmax(0, 1fr); }
  .hero-copy { max-width: none; }
  .hero-photo, .hero-photo img { border-radius: var(--radius); }
  .hero-chip { left: 12px; bottom: 12px; }
}
@media (max-width: 560px) { .hero-act .btn { width: 100%; } .hero-act { flex-direction: column; align-items: stretch; } .hero-link { justify-content: center; } .hero-chip { font-size: 0.875rem; padding: 10px 12px; } }
.home { padding-bottom: 16px; }
.home .hsec { max-width: var(--w-page); margin-inline: auto; padding-inline: var(--gutter); padding-top: var(--section); }
.home .hsec > h2 { margin-top: 10px; max-width: 24ch; }
.home .hsec > .sec-dek { margin-top: 12px; }
.home .hsec > p:not(.kicker):not(.sec-dek) { max-width: 46rem; margin-top: 14px; color: var(--sub); }
.tgrid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-top: 32px; }
.tgrid > div { padding: 22px 22px 20px; background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow-sm); display: flex; flex-direction: column; gap: 8px; }
.tgrid h3 { font-size: 1.125rem; }
.tgrid p:not(.kicker) { font-size: 0.9375rem; }
.tgrid .ours { margin-top: auto; padding-top: 10px; font: 650 0.875rem/1.4 var(--font-body); color: var(--north-deep); }
@media (max-width: 960px) { .tgrid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .tgrid { grid-template-columns: 1fr; gap: 12px; } }
.paths { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin-top: 32px; }
.paths details { background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; padding-bottom: 12px; }
.paths details > :not(summary) { margin-inline: 20px; }
.paths summary { list-style: none; cursor: pointer; padding-bottom: 6px; }
.paths summary::-webkit-details-marker { display: none; }
.path-photo { display: block; aspect-ratio: 3 / 2; overflow: hidden; margin-bottom: 16px; }
.path-photo img { display: block; width: 100%; height: 100%; object-fit: cover; filter: var(--photo-filter); }
.paths summary h3 { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; padding-inline: 20px; font-family: var(--font-display); font-weight: 600; font-size: 1.375rem; }
.paths summary h3::after { content: "+"; font: 600 22px/1 var(--font-body); color: var(--north-deep); }
.paths details[open] summary h3::after { content: "\2212"; }
.paths details > p { font-size: 0.9375rem; color: var(--sub); }
.paths ul { list-style: none; padding: 0; margin-top: 10px; }
.paths li { border-top: 1px solid var(--rule); }
.paths li a { display: flex; align-items: center; min-height: 44px; padding: 6px 0; font-weight: 550; text-decoration: none; }
.paths li a::after { content: ""; flex: 0 0 auto; width: 0.4em; height: 0.45em; margin-left: auto; padding-left: 0; background: var(--north); clip-path: polygon(0 0, 100% 50%, 0 100%); }
.paths li a:hover { color: var(--north-deep); }
@media (min-width: 861px) { .paths summary { cursor: default; pointer-events: none; } .paths summary h3::after { display: none; } }
@media (max-width: 860px) { .paths { grid-template-columns: 1fr; } .path-photo { aspect-ratio: 16 / 7; } }
.csteps-wrap { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.15fr) minmax(0, 1fr); gap: 28px; margin-top: 32px; align-items: start; }
.steps-photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4 / 5; }
.steps-photo img { height: 100%; object-fit: cover; }
.csteps-wrap ol.steps { margin: 0; }
.csteps-wrap > div { background: var(--paper-2); border-radius: var(--radius); padding: 20px 20px 8px; }
.csteps-wrap ul.checklist { margin: 0; }
.csteps-wrap .checklist-h { font: 700 1rem/1.4 var(--font-body); margin-bottom: 6px; }
@media (max-width: 1060px) { .csteps-wrap { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } .steps-photo { grid-column: 1 / -1; aspect-ratio: 21 / 9; } }
@media (max-width: 760px) { .csteps-wrap { grid-template-columns: 1fr; } .steps-photo { aspect-ratio: 3 / 2; } }
.wide-photo { margin-top: 28px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 21 / 8; }
.wide-photo img { height: 100%; object-fit: cover; object-position: 50% 45%; }
@media (max-width: 760px) { .wide-photo { aspect-ratio: 3 / 2; } }
.company-wrap { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 20px; margin-top: 20px; align-items: start; }
.company-wrap dl.terms { margin: 0; }
@media (max-width: 860px) { .company-wrap { grid-template-columns: 1fr; gap: 12px; } }
ul.tiles { list-style: none; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; padding: 0; margin: 28px 0 0; }
ul.tiles li { min-width: 0; }
ul.tiles a { display: flex; flex-direction: column; gap: 8px; min-height: 44px; height: 100%; padding: 20px; text-decoration: none; color: var(--ink); background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow-sm); transition: box-shadow .15s ease, transform .15s ease; }
ul.tiles a:hover { box-shadow: var(--shadow); transform: translateY(-2px); color: var(--ink); }
ul.tiles a:hover b { color: var(--north-deep); }
ul.tiles b { font-weight: 650; }
ul.tiles span:not(.tile-glyph) { font-size: var(--fs-small); color: var(--sub); }
.tile-glyph { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--north-tint); color: var(--north-deep); margin-bottom: 4px; }
@media (max-width: 960px) { ul.tiles { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { ul.tiles { grid-template-columns: 1fr; gap: 10px; } }

/* ---------- bands ---------- */
.band { background: var(--band); color: var(--band-ink); }
.band h2 { color: var(--band-ink); }
.endband { padding-block: var(--section); margin-top: 0; }
.home + .endband { padding-top: var(--section); }
.endband-card { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); border-radius: 28px; overflow: hidden; box-shadow: var(--shadow); }
.endband-photo { min-height: 100%; }
.endband-photo img { height: 100%; min-height: 280px; object-fit: cover; }
.endband-in { display: grid; grid-template-columns: minmax(0, 1fr); gap: 24px; align-content: center; padding: clamp(28px, 4vw, 56px); }
.endband h2 { margin-top: 10px; max-width: 22ch; }
.endband p:not(.kicker) { color: var(--band-sub); margin-top: 14px; max-width: 34rem; }
.endband-act { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 20px; }
.band-link { display: inline-flex; align-items: center; min-height: 44px; font-weight: 650; }
@media (max-width: 860px) {
  .endband-card { grid-template-columns: 1fr; border-radius: var(--radius); }
  .endband-photo img { min-height: 0; aspect-ratio: 16 / 9; }
  .endband-act { flex-direction: column; align-items: stretch; }
  .endband-act .btn { width: 100%; }
  .band-link { justify-content: center; }
}

/* ---------- apply form ---------- */
.apply { max-width: var(--w-form); margin: 2em 0; padding: 26px; background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow); border-top: 4px solid var(--north); }
@media (max-width: 480px) { .apply { padding: 20px 16px; } }
.apply h3 { font-family: var(--font-display); font-weight: 600; font-size: 1.75rem; margin-top: 6px; }
.apply-dek { margin: 8px 0 18px; font-size: 0.9375rem; color: var(--sub); }
.fgrid { display: grid; grid-template-columns: minmax(0, 1fr); gap: 0 16px; }
@media (min-width: 560px) { .fgrid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .fgrid .full { grid-column: 1 / -1; } }
.seg { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.seg label { position: relative; display: block; }
.seg input { position: absolute; inset: 0; width: 100%; height: 100%; margin: 0; opacity: 0; cursor: pointer; }
.seg span { display: flex; align-items: center; justify-content: center; min-height: var(--btn-h); border-radius: var(--radius-sm); box-shadow: inset 0 0 0 1.5px var(--field); background: var(--surface); font-weight: 650; }
.seg input:checked + span { background: var(--north-tint); color: var(--north-deep); box-shadow: inset 0 0 0 2px var(--north); }
.seg input:focus-visible + span { outline: 2.5px solid var(--focus); outline-offset: 2px; }
.consent { display: flex; gap: 12px; align-items: flex-start; margin: 6px 0 18px; font-size: 0.8125rem; line-height: 1.5; color: var(--sub); cursor: pointer; }
.consent input { flex: 0 0 22px; width: 22px; height: 22px; margin: 1px 0 0; accent-color: var(--north); }
.apply .btn { width: 100%; }
@media (min-width: 560px) { .apply .btn { width: auto; } }
.apply-save { margin: 10px 0 0; font-size: 0.875rem; line-height: 1.4; color: var(--sub); }
.ferr { margin-top: 10px; color: var(--north-deep); font-weight: 650; font-size: 0.9375rem; }
.ferr:empty { display: none; }
.fdone { margin-top: 4px; padding: 18px; border-radius: var(--radius-sm); background: var(--paper-2); }
.fdone .kicker { color: var(--ok); }
.fdone-h { font-weight: 700; font-size: 1.125rem; margin: 4px 0 6px; }
.apply.sent .fgrid, .apply.sent .consent, .apply.sent #ap-send, .apply.sent .apply-dek { display: none; }

/* ---------- footer ---------- */
.foot { padding-block: 56px calc(32px + env(safe-area-inset-bottom, 0px)); font-size: var(--fs-small); }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1.5fr) repeat(3, minmax(0, 1fr)); gap: 24px 40px; }
.foot-brand p { color: var(--band-sub); margin-top: 12px; max-width: 30rem; }
.logo-band, .logo-band:hover { color: var(--band-ink); }
.fcol summary { list-style: none; font: 700 0.875rem/1.4 var(--font-body); color: var(--band-north); padding: 4px 0 8px; }
.fcol summary::-webkit-details-marker { display: none; }
.fcol ul { list-style: none; padding: 0; margin: 0; }
.foot .fcol a { display: inline-flex; align-items: center; min-height: 44px; color: var(--band-ink); text-decoration-color: transparent; }
.foot .fcol a:hover { color: var(--band-ink); text-decoration-color: var(--band-north); }
.legal { margin-top: 36px; padding-top: 20px; border-top: 1px solid var(--band-rule); color: var(--band-sub); display: grid; gap: 10px; max-width: 62rem; }
.legal a { color: var(--band-ink); }
@media (min-width: 761px) { .fcol summary { pointer-events: none; } }
@media (max-width: 760px) {
  .foot-grid { grid-template-columns: 1fr; gap: 0; }
  .foot-brand { padding-bottom: 20px; }
  .fcol { border-top: 1px solid var(--band-rule); }
  .fcol summary { display: flex; align-items: center; justify-content: space-between; min-height: 52px; padding: 0; cursor: pointer; }
  .fcol summary::after { content: "+"; font: 600 20px/1 var(--font-body); color: var(--band-north); }
  .fcol[open] summary::after { content: "\2212"; }
  .fcol ul { padding-bottom: 12px; }
}

/* ---------- sticky phone bar ---------- */
.mbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; display: flex; gap: 8px; background: var(--surface); border-top: 1px solid var(--rule); box-shadow: 0 -8px 24px rgba(29, 35, 44, .10);
  padding: 8px var(--gutter) calc(8px + env(safe-area-inset-bottom, 0px)); }
.mbar .btn { flex: 1 1 auto; min-height: 46px; }
.mbar .mcall { flex: 0 0 58px; padding: 0; }
@media (min-width: 761px) { .mbar { display: none !important; } }
@media (max-width: 760px) { body { padding-bottom: calc(66px + env(safe-area-inset-bottom, 0px)); } }

/* ---------- 404 ---------- */
.k-standing .prose .big-links { list-style: none; padding: 0; display: grid; gap: 8px; }
.k-standing .prose .big-links li { margin: 0; }
.k-standing .prose .big-links a { display: flex; align-items: center; min-height: 54px; padding: 0 18px; font-weight: 650; background: var(--surface); border-radius: var(--radius-sm); box-shadow: var(--shadow-sm); text-decoration: none; }

@media print { .hdr, .mbar, .rail, .endband, .foot { display: none; } }

/* Sources (2026-11-11). Articles end with one closed "Sources (N)" line; home, hub and standing lists live on /sources/. */
.src-fold { margin: 2.5rem 0 0; padding-top: 0.75rem; border-top: 1px solid var(--rule); font-size: 0.875rem; color: var(--sub); }
.src-fold > summary { cursor: pointer; width: max-content; max-width: 100%; min-height: 32px; padding: 6px 0; font-weight: 600; color: var(--sub); }
.src-fold > summary:hover { color: var(--ink); text-decoration: underline; text-underline-offset: 0.18em; }
.src-fold[open] > summary { margin-bottom: 0.25rem; }
.src-for { font-size: var(--fs-small); color: var(--sub); margin-top: 0.25rem; }