/* ==========================================================================
   YFG Consultants — design system
   Navy / teal institutional finance. Light mode by design.
   Token contrast pairs are asserted programmatically by selftest.js (WCAG AA).
   ========================================================================== */
:root{
  --navy:#0B3B6F;
  --navy-deep:#072A4F;
  --navy-tint:#EAF0F8;
  --teal:#0E8F86;         /* graphics, checks, rules. Not small text on white */
  --teal-ink:#0A6E66;     /* teal for small text on white (AA) */
  --teal-on-navy:#7FD9CF; /* teal for text on navy (AA) */
  --gold:#B8860B;
  --ground:#F6F8FB;
  --white:#FFFFFF;
  --ink:#1F2A37;
  --muted:#55637A;
  --line:#E2E8F0;
  --line-strong:#CBD5E1;
  --on-navy:#C7D6EA;
  --danger:#B42318;
  --danger-bg:#FEF3F2;
  --ok-bg:#ECFDF5;
  --warn-bg:#FFFAEB;
  --warn-ink:#93500B;

  --wrap:1200px;
  --gut:24px;
  --r:8px;
  --r-lg:12px;
  --shadow:0 1px 2px rgba(16,24,40,.05);
  --shadow-lift:0 8px 24px rgba(11,59,111,.10);
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --display:"Plus Jakarta Sans","Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
}
body{
  margin:0;background:var(--white);color:var(--ink);
  font-family:var(--sans);font-size:17px;line-height:1.65;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img,svg,video{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--display);color:var(--navy);margin:0 0 .5em;line-height:1.18;letter-spacing:-.02em;font-weight:800}
h1{font-size:clamp(2.05rem,1.35rem + 2.6vw,3.4rem)}
h2{font-size:clamp(1.6rem,1.2rem + 1.5vw,2.25rem)}
h3{font-size:1.18rem;font-weight:700;letter-spacing:-.01em}
h4{font-size:1rem;font-weight:700;letter-spacing:0}
p{margin:0 0 1.1em}
p:last-child{margin-bottom:0}
a{color:var(--teal-ink);text-decoration:underline;text-underline-offset:2px;text-decoration-thickness:1px}
a:hover{color:var(--navy)}
:focus-visible{outline:2px solid var(--teal);outline-offset:2px;border-radius:2px}
strong{font-weight:650;color:var(--navy)}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}

.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gut)}
.skip{position:absolute;left:-9999px;top:0;z-index:200;background:var(--navy);color:#fff;padding:12px 18px;border-radius:0 0 var(--r) 0;text-decoration:none;font-weight:600}
.skip:focus{left:0}

/* ---------- utility bar ---------- */
.ubar{background:var(--navy-deep);color:var(--on-navy);font-size:.8125rem}
.ubar .wrap{display:flex;gap:16px;align-items:center;justify-content:space-between;min-height:38px;flex-wrap:wrap;padding-block:6px}
.ubar a{color:#fff;text-decoration:none;font-weight:500}
.ubar a:hover{color:var(--teal-on-navy);text-decoration:underline}
.ubar__links{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.ubar__note{opacity:.92}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:saturate(1.6) blur(8px);border-bottom:1px solid var(--line)}
.hdr__in{display:flex;align-items:center;gap:20px;min-height:74px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;flex:0 0 auto}
.brand__mark{width:34px;height:34px;border-radius:7px;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--display);font-weight:800;font-size:.9rem;letter-spacing:-.04em;flex:0 0 auto}
.brand__txt{font-family:var(--display);font-weight:800;color:var(--navy);font-size:1.06rem;letter-spacing:-.02em;line-height:1.05}
.brand__txt small{display:block;font-family:var(--sans);font-weight:600;font-size:.62rem;letter-spacing:.16em;color:var(--muted);text-transform:uppercase;margin-top:2px}
.nav{margin-left:auto;display:flex;align-items:center;gap:2px}
.nav a,.nav button.nav__top{
  font:inherit;font-size:.875rem;font-weight:550;color:var(--ink);text-decoration:none;
  padding:9px 9px;border-radius:var(--r);background:none;border:0;cursor:pointer;
  display:inline-flex;align-items:center;gap:5px;white-space:nowrap;
}
.nav a:hover,.nav button.nav__top:hover{background:var(--navy-tint);color:var(--navy)}
.nav a[aria-current="page"]{color:var(--navy);font-weight:700;box-shadow:inset 0 -2px 0 var(--teal)}
.nav__item{position:relative}
.nav__caret{width:9px;height:9px;flex:0 0 auto;transition:transform .18s}
.nav__item[data-open="true"] .nav__caret{transform:rotate(180deg)}
.nav__menu{
  position:absolute;top:calc(100% + 8px);left:0;min-width:288px;background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);box-shadow:var(--shadow-lift);padding:8px;display:none;
}
.nav__item[data-open="true"] .nav__menu{display:block}
.nav__menu a{display:block;padding:9px 12px;font-size:.875rem;border-radius:var(--r);font-weight:500}
.hdr__cta{margin-left:10px;flex:0 0 auto}
/* The phone also sits in the utility bar directly above and in the footer, so
   the header copy appears only when the row has room for it. */
.hdr__tel{display:none;font-size:.875rem;font-weight:700;color:var(--navy);text-decoration:none;padding:9px 10px;white-space:nowrap}
@media (min-width:1200px){.hdr__tel{display:block}}
.hdr__tel:hover{text-decoration:underline}
.burger{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:var(--r);background:#fff;cursor:pointer;align-items:center;justify-content:center;padding:0}
.burger span{display:block;width:20px;height:2px;background:var(--navy);position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--navy)}
.burger span::before{top:-6px}
.burger span::after{top:6px}

.mnav{display:none;border-top:1px solid var(--line);background:#fff;max-height:calc(100dvh - 74px);overflow-y:auto}
.mnav[data-open="true"]{display:block}
.mnav ul{list-style:none;margin:0;padding:8px 0 20px}
.mnav a{display:block;padding:13px var(--gut);font-size:1rem;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mnav a[aria-current="page"]{color:var(--navy);background:var(--navy-tint)}
.mnav .mnav__sub a{padding-left:calc(var(--gut) + 16px);font-weight:450;font-size:.94rem;color:var(--muted)}
.mnav__foot{padding:16px var(--gut) 0;display:grid;gap:10px}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:48px;padding:12px 22px;border-radius:var(--r);border:1.5px solid transparent;
  font-family:var(--sans);font-size:.95rem;font-weight:650;line-height:1.2;
  text-decoration:none;cursor:pointer;transition:background .16s,color .16s,border-color .16s,box-shadow .16s;
  text-align:center;
}
.btn--primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn--primary:hover{background:var(--navy-deep);border-color:var(--navy-deep);color:#fff}
.btn--onnavy{background:#fff;color:var(--navy);border-color:#fff}
.btn--onnavy:hover{background:var(--navy-tint);color:var(--navy-deep)}
.btn--ghostnavy{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn--ghostnavy:hover{background:rgba(255,255,255,.12);border-color:#fff;color:#fff}
.btn--outline{background:#fff;color:var(--navy);border-color:var(--line-strong)}
.btn--outline:hover{border-color:var(--navy);background:var(--navy-tint)}
.btn--block{width:100%}
.btn:focus-visible{outline:2px solid var(--teal);outline-offset:2px}
.btn--onnavy:focus-visible,.btn--ghostnavy:focus-visible{outline-color:#fff}

/* ---------- section scaffolding ---------- */
.sec{padding-block:clamp(56px,4vw + 34px,104px)}
.sec--ground{background:var(--ground)}
.sec--navy{background:var(--navy);color:var(--on-navy)}
.sec--navy h2,.sec--navy h3{color:#fff}
.sec--tight{padding-block:clamp(40px,2.5vw + 26px,68px)}
.kicker{
  display:block;font-size:.75rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;
  color:var(--teal-ink);margin:0 0 12px;
}
.sec--navy .kicker{color:var(--teal-on-navy)}
.sec__head{max-width:760px;margin-bottom:clamp(30px,3vw,48px)}
.sec__head--center{margin-inline:auto;text-align:center}
.sec__intro{font-size:1.06rem;color:var(--muted);margin:0}
.sec--navy .sec__intro{color:var(--on-navy)}
.lead{font-size:1.12rem;color:var(--muted)}

/* ---------- hero ---------- */
.hero{
  position:relative;background:var(--navy);color:var(--on-navy);overflow:hidden;
  background-image:linear-gradient(135deg,#0D4480 0%,var(--navy) 46%,var(--navy-deep) 100%);
  padding-block:clamp(56px,5vw + 34px,112px);
}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(120% 90% at 82% 8%,#000 0%,transparent 70%);
  mask-image:radial-gradient(120% 90% at 82% 8%,#000 0%,transparent 70%);
}
.hero .wrap{position:relative;z-index:1}
.hero h1{color:#fff;max-width:17ch}
.hero--inner h1{max-width:22ch}
.hero__sub{font-size:clamp(1.02rem,.95rem + .35vw,1.19rem);color:var(--on-navy);max-width:62ch;margin:0 0 30px}
.hero__btns{display:flex;flex-wrap:wrap;gap:12px}
.hero__trust{display:flex;flex-wrap:wrap;gap:12px 26px;margin-top:34px;padding-top:26px;border-top:1px solid rgba(255,255,255,.16);list-style:none;padding-left:0}
.hero__trust li{display:flex;align-items:center;gap:9px;font-size:.9rem;color:#fff;font-weight:500}
.crumbs{font-size:.8rem;margin:0 0 16px;color:var(--on-navy)}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{text-decoration:underline;color:var(--teal-on-navy)}
.crumbs span[aria-current]{color:var(--teal-on-navy)}
.crumbs .sep{opacity:.6;padding:0 7px}

/* ---------- check glyph ---------- */
.ck{width:19px;height:19px;flex:0 0 auto;color:var(--teal)}
.sec--navy .ck,.hero .ck{color:var(--teal-on-navy)}

/* ---------- grids ---------- */
.grid{display:grid;gap:22px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}

/* ---------- cards ---------- */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;
  box-shadow:var(--shadow);display:flex;flex-direction:column;gap:10px;
  transition:border-color .16s,box-shadow .16s,transform .16s;
}
a.card{text-decoration:none;color:inherit}
a.card:hover{border-color:var(--navy);box-shadow:var(--shadow-lift);transform:translateY(-2px)}
.card h3{margin:0}
.card p{color:var(--muted);font-size:.95rem;margin:0}
.card__ico{
  width:44px;height:44px;border-radius:10px;background:var(--navy-tint);color:var(--navy);
  display:grid;place-items:center;flex:0 0 auto;
}
.card__ico svg{width:22px;height:22px}
.card__more{margin-top:auto;padding-top:6px;font-size:.875rem;font-weight:650;color:var(--teal-ink);display:inline-flex;align-items:center;gap:6px}
a.card:hover .card__more{color:var(--navy)}
.card__more svg{width:14px;height:14px;transition:transform .16s}
a.card:hover .card__more svg{transform:translateX(3px)}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 22px;text-align:center;box-shadow:var(--shadow)}
.sec--navy .stat{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.18)}
.stat__v{font-family:var(--display);font-size:clamp(1.9rem,1.3rem + 1.9vw,2.6rem);font-weight:800;color:var(--navy);letter-spacing:-.03em;line-height:1.05;display:block}
.sec--navy .stat__v{color:#fff}
.stat__l{font-size:.875rem;color:var(--muted);margin-top:8px;display:block}
.sec--navy .stat__l{color:var(--on-navy)}

/* ---------- steps ---------- */
.steps{list-style:none;padding:0;margin:0;display:grid;gap:20px;grid-template-columns:repeat(4,1fr)}
.steps--stack{grid-template-columns:1fr;gap:0}
.step{position:relative;padding-top:8px}
.steps:not(.steps--stack) .step::before{
  content:"";position:absolute;top:29px;left:48px;right:-22px;height:2px;background:var(--line);z-index:0;
}
.steps:not(.steps--stack) .step:last-child::before{display:none}
.step__n{
  position:relative;z-index:1;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;
  display:grid;place-items:center;font-family:var(--display);font-weight:800;font-size:.95rem;margin-bottom:14px;
}
.step h3{margin:0 0 6px;font-size:1.05rem}
.step p{color:var(--muted);font-size:.94rem;margin:0}
.steps--stack .step{display:grid;grid-template-columns:42px 1fr;gap:0 18px;padding:0 0 26px}
.steps--stack .step:last-child{padding-bottom:0}
.steps--stack .step__n{grid-row:1/3;margin-bottom:0}
.steps--stack .step::before{
  content:"";position:absolute;left:20px;top:46px;bottom:4px;width:2px;height:auto;right:auto;background:var(--line);
}
.steps--stack .step:last-child::before{display:none}

/* ---------- checklist ---------- */
.checks{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px 30px}
.checks--1{grid-template-columns:1fr}
.checks li{display:grid;grid-template-columns:19px 1fr;gap:12px;align-items:start;font-size:.97rem}
.checks li .ck{margin-top:3px}
.checks li b{display:block;color:var(--navy);font-weight:650;font-family:var(--display)}
.checks li span{color:var(--muted);font-size:.93rem}
.sec--navy .checks li span{color:var(--on-navy)}
.sec--navy .checks li b{color:#fff}

/* ---------- split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(26px,3vw,52px);align-items:start}
.split__panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow)}
.panel-list{list-style:none;margin:0;padding:0}
.panel-list li{display:grid;grid-template-columns:1fr;gap:3px;padding:14px 0;border-bottom:1px solid var(--line)}
.panel-list li:first-child{padding-top:0}
.panel-list li:last-child{border-bottom:0;padding-bottom:0}
.panel-list b{color:var(--navy);font-family:var(--display);font-weight:700;font-size:.95rem}
.panel-list span{color:var(--muted);font-size:.93rem}

/* ---------- table ---------- */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff;-webkit-overflow-scrolling:touch}
table.t{border-collapse:collapse;width:100%;min-width:620px;font-size:.94rem}
table.t th,table.t td{padding:13px 18px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
table.t thead th{background:var(--navy);color:#fff;font-family:var(--display);font-weight:700;font-size:.875rem;border-bottom:0}
table.t tbody tr:nth-child(even){background:#FBFCFE}
table.t tbody tr:last-child td{border-bottom:0}
table.t tbody th{font-weight:650;color:var(--navy)}
.scroll-hint{font-size:.8rem;color:var(--muted);margin:8px 0 0}

/* ---------- pills ---------- */
.pills{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.pills li a,.pills li span{
  display:inline-block;padding:9px 16px;border:1px solid var(--line-strong);border-radius:999px;
  font-size:.9rem;font-weight:550;color:var(--navy);background:#fff;text-decoration:none;
}
.pills li a:hover{border-color:var(--navy);background:var(--navy-tint)}

/* ---------- faq ---------- */
.faq{display:grid;gap:12px;max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow)}
.faq summary{
  cursor:pointer;list-style:none;padding:18px 54px 18px 22px;position:relative;
  font-family:var(--display);font-weight:700;color:var(--navy);font-size:1.01rem;line-height:1.45;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:22px;top:24px;width:14px;height:2px;background:var(--teal);
}
.faq summary::before{
  content:"";position:absolute;right:28px;top:18px;width:2px;height:14px;background:var(--teal);transition:transform .18s,opacity .18s;
}
.faq details[open] summary::before{transform:rotate(90deg);opacity:0}
.faq summary:focus-visible{outline:2px solid var(--teal);outline-offset:-2px;border-radius:var(--r-lg)}
.faq .faq__a{padding:0 22px 20px;color:var(--muted);font-size:.97rem}
.faq .faq__a p:last-child{margin-bottom:0}

/* ---------- prose ---------- */
.prose{max-width:74ch}
.prose p{color:var(--ink)}
.sec--navy .prose p{color:var(--on-navy)}

/* ---------- cta band ---------- */
.cta{background:var(--navy);color:var(--on-navy);background-image:linear-gradient(120deg,var(--navy) 0%,var(--navy-deep) 100%)}
.cta .wrap{text-align:center;max-width:780px}
.cta h2{color:#fff}
.cta p{color:var(--on-navy);font-size:1.06rem;margin-bottom:26px}
.cta__btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ---------- footer ---------- */
.ftr{background:var(--navy-deep);color:var(--on-navy);padding-top:clamp(44px,3vw + 26px,68px);font-size:.92rem}
.ftr__cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px}
.ftr h3{color:#fff;font-size:.8rem;letter-spacing:.13em;text-transform:uppercase;font-family:var(--sans);font-weight:700;margin-bottom:16px}
.ftr ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.ftr a{color:var(--on-navy);text-decoration:none}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr__blurb{color:var(--on-navy);max-width:38ch;margin:14px 0 0;font-size:.92rem}
.ftr .brand__txt{color:#fff}
.ftr .brand__txt small{color:var(--on-navy)}
.ftr .brand__mark{background:#fff;color:var(--navy-deep)}
.ftr__c{display:grid;gap:10px}
.ftr__c a{color:#fff;font-weight:600}
.ftr__hours{color:var(--on-navy);font-size:.86rem}
.ftr__bar{
  margin-top:clamp(32px,3vw,48px);border-top:1px solid rgba(255,255,255,.16);padding-block:20px;
  display:flex;gap:14px 26px;justify-content:space-between;align-items:center;flex-wrap:wrap;font-size:.85rem;
}
.ftr__legal{display:flex;gap:20px;flex-wrap:wrap;list-style:none;margin:0;padding:0}

/* ---------- forms ---------- */
.formcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,2vw,32px);box-shadow:var(--shadow)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column;gap:7px}
.field--full{grid-column:1/-1}
.field label{font-size:.875rem;font-weight:650;color:var(--navy)}
.field .req{color:var(--danger);margin-left:2px}
.field .hint{font-size:.8rem;color:var(--muted);font-weight:400}
.field input,.field select,.field textarea{
  font:inherit;font-size:1rem;color:var(--ink);background:#fff;
  border:1px solid var(--line-strong);border-radius:var(--r);padding:12px 14px;width:100%;min-height:48px;
  transition:border-color .16s,box-shadow .16s;
}
.field textarea{min-height:130px;resize:vertical}
.field select{appearance:none;background-image:url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%2355637A' stroke-width='1.6' d='M1 1.5 6 6.5l5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:12px;padding-right:38px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,59,111,.13)}
.field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible{outline:2px solid var(--teal);outline-offset:1px}
.field input[aria-invalid="true"],.field textarea[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:var(--danger);background:var(--danger-bg)}
.field .err{font-size:.82rem;color:var(--danger);font-weight:600}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.formnote{font-size:.82rem;color:var(--muted);margin:14px 0 0}
.alert{border-radius:var(--r-lg);padding:16px 18px;margin:0 0 22px;border:1px solid;font-size:.95rem}
.alert h2,.alert h3{margin:0 0 6px;font-size:1rem;font-family:var(--display);letter-spacing:-.01em}
.alert--err{background:var(--danger-bg);border-color:#FDA29B;color:#7A271A}
.alert--err h2,.alert--err h3{color:#7A271A}
.alert--ok{background:var(--ok-bg);border-color:#6CE9A6;color:#05603A}
.alert--ok h2,.alert--ok h3{color:#05603A}
.alert--warn{background:var(--warn-bg);border-color:#FEC84B;color:var(--warn-ink)}
.alert--warn h2,.alert--warn h3{color:var(--warn-ink)}
.alert ul{margin:8px 0 0;padding-left:20px}
.alert a{color:inherit}
.refbox{
  display:inline-flex;align-items:center;gap:10px;background:var(--navy-tint);border:1px dashed var(--navy);
  border-radius:var(--r);padding:12px 16px;font-family:ui-monospace,SFMono-Regular,Menlo,monospace;
  font-size:1rem;font-weight:700;color:var(--navy);letter-spacing:.04em;
}
.contactgrid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(26px,3vw,48px);align-items:start}
.cbox{display:grid;gap:18px}
.cbox__row{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start}
.cbox__row b{display:block;color:var(--navy);font-family:var(--display);font-size:.95rem}
.cbox__row a{display:block;font-size:1.05rem;font-weight:700;color:var(--navy);text-decoration:none;overflow-wrap:anywhere}
.cbox__row a:hover{text-decoration:underline;color:var(--teal-ink)}
.cbox__row span{display:block;color:var(--muted);font-size:.9rem;margin-top:2px}

/* ---------- legal / long copy ---------- */
.legal{max-width:78ch}
.legal h2{font-size:1.4rem;margin-top:2.2em}
.legal h2:first-of-type{margin-top:0}
.legal ul{padding-left:22px}
.legal li{margin-bottom:.5em}
.legal__meta{color:var(--muted);font-size:.9rem}

/* ---------- 404 ---------- */
.nf{text-align:center;max-width:620px;margin-inline:auto}
.nf__code{font-family:var(--display);font-size:5rem;font-weight:800;color:var(--navy-tint);line-height:1;margin:0}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width:1040px){
  .grid--4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .steps:not(.steps--stack) .step::before{display:none}
  .ftr__cols{grid-template-columns:1fr 1fr;gap:32px}
}
@media (max-width:1080px){
  .nav,.hdr__tel,.hdr__cta{display:none}
  .burger{display:inline-flex}
  .grid--3{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  .split,.contactgrid{grid-template-columns:1fr}
  .contactgrid .cbox{order:-1}
}
@media (max-width:720px){
  :root{--gut:16px}
  body{font-size:16px}
  .grid--3,.grid--2,.grid--4{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(2,1fr);gap:14px}
  .steps{grid-template-columns:1fr;gap:0}
  .checks{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
  .ftr__cols{grid-template-columns:1fr;gap:30px}
  .ubar .wrap{justify-content:center;gap:10px 16px}
  .ubar__note{display:none}
  .hero__btns .btn,.cta__btns .btn{width:100%}
  .ftr__bar{justify-content:center;text-align:center}
  .stat{padding:20px 14px}
  .card{padding:22px}
}
@media (max-width:380px){
  .stats{grid-template-columns:1fr}
}
@media print{
  .hdr,.ubar,.mnav,.cta,.burger,.skip{display:none!important}
  body{font-size:12pt}
}

/* ---------- cost estimator ---------- */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,3vw,44px);align-items:start}
.calc__in{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,2vw,28px);box-shadow:var(--shadow)}
.calc__out{background:var(--navy);color:var(--on-navy);border-radius:var(--r-lg);padding:clamp(22px,2vw,30px);background-image:linear-gradient(140deg,var(--navy) 0%,var(--navy-deep) 100%)}
.calc__out h3{color:#fff;margin:0 0 4px;font-size:1.05rem}
.calc__fig{font-family:var(--display);font-size:clamp(1.7rem,1.2rem + 1.6vw,2.3rem);font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1.1;display:block;margin:2px 0 4px}
.calc__fig--accent{color:var(--teal-on-navy)}
.calc__row{padding:16px 0;border-bottom:1px solid rgba(255,255,255,.16)}
.calc__row:last-of-type{border-bottom:0}
.calc__lbl{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-on-navy);display:block}
.calc__sub{font-size:.85rem;color:var(--on-navy);display:block}
.calc__note{font-size:.8rem;color:var(--on-navy);margin:18px 0 0;padding-top:16px;border-top:1px solid rgba(255,255,255,.16)}
.calc .field input{max-width:100%}
.calc__grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
@media (max-width:560px){.calc__grid{grid-template-columns:1fr}}

/* ==========================================================================
   Utility classes.
   These exist so the shipped pages carry ZERO inline style attributes and the
   Content-Security-Policy can stay at style-src 'self' with no unsafe-inline.
   ========================================================================== */
.u-plain{list-style:none;margin:0;padding:0}
.u-inline-row{display:flex;align-items:center}
.u-crumb-list{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;align-items:center}
.u-nowrap{white-space:nowrap}
.u-mono{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;white-space:nowrap}
.u-btnrow{display:flex;gap:10px;flex-wrap:wrap}
.u-gap-10{gap:10px}
.u-danger{color:var(--danger)}
.u-fs-95{font-size:.95rem}
.u-fs-1{font-size:1rem}
.u-fs-105{font-size:1.05rem}
.u-fs-2{font-size:2rem}
.u-mt-22{margin-top:22px}
.u-mt-28{margin-top:28px}
.u-mt-44{margin-top:44px}
.u-mb-8{margin-bottom:8px}
.u-mb-24{margin-bottom:24px}
.u-mb-28{margin-bottom:28px}
.u-mb-34{margin-bottom:34px}
.u-stats-admin{margin:28px 0 12px}
.u-narrow{max-width:880px}
.u-table-auto{min-width:0}
.u-col-msg{min-width:280px}
.u-col-34{width:34%}

/* ---------- fixes found by the live QA harness ---------- */
/* The hero and the closing CTA are navy bands but are not .sec--navy, so the
   eyebrow kicker was inheriting the dark teal meant for white backgrounds.
   Measured at 1.84:1 against the navy. */
.hero .kicker,.cta .kicker,.calc__out .kicker{color:var(--teal-on-navy)}

/* At 360px the brand lockup could not shrink, pushing the header past the
   viewport. Let it shrink, and drop the tagline on the narrowest screens. */
.brand{min-width:0}
.brand__txt{min-width:0;overflow-wrap:anywhere}
@media (max-width:430px){
  .hdr__in{gap:10px}
  .brand__txt small{display:none}
  .brand__txt{font-size:1rem}
}

.calc__cases{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:6px}
.calc__case-h{display:block;font-size:.8rem;font-weight:650;color:#fff;margin-bottom:2px}
.calc__case .calc__fig{font-size:clamp(1.4rem,1rem + 1.1vw,1.85rem);margin:0 0 4px}
.calc__case .calc__sub{line-height:1.5}
.calc__out strong{color:#fff;font-weight:700}
@media (max-width:620px){.calc__cases{grid-template-columns:1fr;gap:20px}}

/* Anchor targets must clear the sticky header when linked to directly. */
[id]{scroll-margin-top:96px}