:root {
  --paper: #f2f5f7;
  --surface: #ffffff;
  --surface-strong: #e8eef2;
  --ink: #17202a;
  --muted: #5f6976;
  --line: #d7e0e6;
  --accent: #1f5a55;
  --accent-soft: #dcebe8;
  --warm: #6d7f95;
  --max-width: 1200px;
  --radius: 18px;
  --radius-sm: 14px;
  --shadow: 0 10px 30px rgba(23, 32, 42, 0.05);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Work Sans", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  text-rendering: optimizeLegibility;
}

main {
  overflow: clip;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration: none;
}

p {
  margin: 0;
}

ul,
ol {
  margin: 0;
  padding: 0;
  list-style: none;
}

h1,
h2,
h3,
h4 {
  margin: 0;
  font-family: "Fraunces", serif;
  font-weight: 700;
  letter-spacing: -0.04em;
  line-height: 0.98;
}

h2,
h3,
h4 {
  line-height: 1.05;
}

strong {
  font-weight: 600;
}

button,
input,
textarea,
select {
  font: inherit;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: 1rem;
  padding: 0.7rem 1rem;
  background: var(--ink);
  color: var(--surface);
  border-radius: 999px;
  transform: translateY(-180%);
  transition: transform 0.2s ease;
  z-index: 60;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-shell {
  width: min(calc(100% - 2rem), var(--max-width));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(242, 245, 247, 0.94);
  backdrop-filter: blur(12px);
  transition: border-color 0.2s ease, background-color 0.2s ease;
  border-bottom: 1px solid transparent;
}

.site-header.is-scrolled {
  border-bottom-color: var(--line);
}

.header-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-height: 80px;
}

.brand {
  font-family: "Fraunces", serif;
  font-size: 1.35rem;
  letter-spacing: -0.04em;
}

.brand span {
  color: var(--warm);
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 0.7rem 1rem;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
  color: var(--ink);
  cursor: pointer;
}

.site-nav {
  position: absolute;
  left: 1rem;
  right: 1rem;
  top: calc(100% + 0.4rem);
  display: none;
  flex-direction: column;
  gap: 1rem;
  padding: 1rem;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
}

.site-nav.is-open {
  display: flex;
}

.nav-list {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.nav-link {
  color: var(--muted);
  font-weight: 500;
  transition: color 0.2s ease;
}

.nav-link:hover,
.nav-link:focus-visible,
.nav-link[aria-current="page"] {
  color: var(--ink);
}

.nav-link[aria-current="page"] {
  text-decoration: underline;
  text-decoration-color: var(--accent);
  text-underline-offset: 0.24em;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 50px;
  padding: 0.9rem 1.25rem;
  border-radius: 12px;
  border: 1px solid var(--ink);
  background: var(--ink);
  color: var(--surface);
  font-weight: 600;
  transition: background-color 0.2s ease, border-color 0.2s ease, color 0.2s ease, box-shadow 0.2s ease;
}

.button:hover,
.button:focus-visible {
  background: var(--accent);
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(31, 90, 85, 0.12);
}

.button:active {
  transform: none;
}

.button-secondary {
  background: var(--surface);
  color: var(--ink);
  border-color: var(--line);
}

.button-secondary:hover,
.button-secondary:focus-visible {
  background: var(--surface-strong);
  border-color: var(--accent);
  color: var(--accent);
}

.button-small {
  min-height: 42px;
  padding: 0.7rem 1rem;
  font-size: 0.95rem;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 1rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--warm);
}

.lead {
  font-size: clamp(1.05rem, 2.3vw, 1.35rem);
  color: var(--muted);
  max-width: 42rem;
}

.hero {
  padding: 3rem 0 4rem;
}

.hero-grid {
  display: grid;
  gap: 2rem;
  align-items: stretch;
}

.hero-copy h1 {
  font-size: clamp(3rem, 10vw, 6.4rem);
  max-width: 14ch;
  text-wrap: balance;
}

.hero-copy p + p,
.hero-copy .hero-actions,
.hero-copy .hero-meta {
  margin-top: 1.35rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.hero-meta {
  display: grid;
  gap: 0.85rem;
}

.hero-note,
.hero-rail,
.panel,
.quote-panel,
.contact-panel,
.article-card,
.comparison-column,
.table-card,
.coverage-card,
.policy-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero-note,
.hero-rail,
.panel,
.quote-panel,
.contact-panel,
.article-card,
.comparison-column,
.table-card,
.coverage-card,
.policy-card {
  padding: 1.5rem;
}

.hero-media {
  overflow: hidden;
}

.hero-media.hero-note {
  padding: 0;
}

.hero-media img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: inherit;
}

.hero-rail h2,
.hero-note h2,
.panel h3,
.quote-panel h3,
.article-card h3,
.comparison-column h3,
.coverage-card h3,
.contact-panel h2,
.policy-card h2 {
  font-size: 1.5rem;
}

.hero-rail,
.panel,
.quote-panel,
.contact-panel,
.article-card,
.comparison-column,
.coverage-card,
.policy-card {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  height: 100%;
}

.hero-rail ul,
.hero-note ul,
.panel ul,
.comparison-column ul,
.coverage-card ul,
.policy-card ul {
  display: grid;
  gap: 0.8rem;
  margin-top: 1rem;
}

.hero-rail li,
.hero-note li,
.panel li,
.comparison-column li,
.coverage-card li,
.policy-card li {
  padding-top: 0.8rem;
  border-top: 1px solid var(--line);
}

.hero-rail li:first-child,
.hero-note li:first-child,
.panel li:first-child,
.comparison-column li:first-child,
.coverage-card li:first-child,
.policy-card li:first-child {
  padding-top: 0;
  border-top: 0;
}

.section {
  padding: 4rem 0;
  border-top: 1px solid var(--line);
}

.section-alt {
  background: linear-gradient(180deg, rgba(232, 238, 242, 0.32), rgba(232, 238, 242, 0.12));
}

.section-header {
  display: grid;
  gap: 1rem;
  margin-bottom: 2rem;
}

.section-header h2 {
  font-size: clamp(2rem, 5vw, 3.6rem);
  max-width: 12ch;
  text-wrap: balance;
}

.section-header p {
  color: var(--muted);
  max-width: 40rem;
}

.grid-2,
.grid-3,
.grid-4,
.hero-meta-grid {
  display: grid;
  gap: 1.1rem;
}

.stack {
  display: grid;
  gap: 1.1rem;
}

.card-kicker {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--warm);
}

.panel p,
.article-card p,
.quote-panel p,
.contact-panel p,
.coverage-card p,
.policy-card p,
.comparison-column p,
.table-card p {
  margin-top: 0;
  color: var(--muted);
}

.quote-panel {
  justify-content: space-between;
}

.quote-panel blockquote {
  margin: 0;
  font-family: "Fraunces", serif;
  font-size: clamp(1.45rem, 4vw, 2.4rem);
  line-height: 1.05;
}

.feature-list {
  display: grid;
  gap: 1rem;
}

.feature-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}

.feature-item:first-child {
  padding-top: 0;
  border-top: 0;
}

.feature-mark {
  flex: 0 0 auto;
  width: 2.1rem;
  height: 2.1rem;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--accent-soft);
  color: var(--accent);
  font-weight: 700;
}

.comparison-grid {
  display: grid;
  gap: 1.1rem;
}

.comparison-column.good {
  border-color: rgba(31, 90, 85, 0.28);
}

.comparison-column.watch {
  border-color: rgba(109, 127, 149, 0.3);
}

.comparison-column.good .card-kicker {
  color: var(--accent);
}

.comparison-column.watch .card-kicker {
  color: var(--warm);
}

.table-card {
  overflow: hidden;
}

.table-wrap {
  overflow-x: auto;
}

table {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
}

th,
td {
  text-align: left;
  vertical-align: top;
  padding: 1rem;
  border-bottom: 1px solid var(--line);
}

thead th {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--muted);
}

tbody tr:hover {
  background: rgba(31, 90, 85, 0.045);
}

.scenario-strip {
  display: grid;
  gap: 1rem;
}

.scenario-item {
  padding: 1.3rem 0;
  border-top: 1px solid var(--line);
}

.scenario-item:first-child {
  padding-top: 0;
  border-top: 0;
}

.scenario-item h3 {
  font-size: 1.45rem;
}

.scenario-item p {
  margin-top: 0.75rem;
  color: var(--muted);
  max-width: 42rem;
}

.tag-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
}

.tag {
  display: inline-flex;
  align-items: center;
  padding: 0.45rem 0.75rem;
  border-radius: 10px;
  border: 1px solid var(--line);
  font-size: 0.92rem;
  color: var(--muted);
  background: rgba(255, 255, 255, 0.88);
}

.faq-list {
  display: grid;
  gap: 1rem;
}

details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 1.05rem 1.2rem;
  box-shadow: var(--shadow);
}

summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  cursor: pointer;
  font-weight: 600;
  list-style: none;
}

summary::-webkit-details-marker {
  display: none;
}

summary::after {
  content: "+";
  font-size: 1.5rem;
  line-height: 1;
  color: var(--accent);
}

details[open] summary::after {
  content: "-";
}

details p {
  margin-top: 1rem;
  color: var(--muted);
  max-width: 55rem;
}

.contact-grid {
  display: grid;
  gap: 1.1rem;
}

.contact-panel form,
.inline-form {
  display: grid;
  gap: 1rem;
}

.form-grid {
  display: grid;
  gap: 1rem;
}

label {
  display: grid;
  gap: 0.45rem;
  font-weight: 500;
}

label span {
  font-size: 0.94rem;
}

input,
textarea,
select {
  width: 100%;
  padding: 0.9rem 1rem;
  border-radius: 12px;
  border: 1px solid var(--line);
  background: var(--surface);
  color: var(--ink);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

input:focus-visible,
textarea:focus-visible,
select:focus-visible,
.nav-toggle:focus-visible,
.button:focus-visible,
a:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

input:hover,
textarea:hover,
select:hover {
  border-color: #bccad4;
}

input:focus-visible,
textarea:focus-visible,
select:focus-visible {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(31, 90, 85, 0.12);
}

textarea {
  min-height: 150px;
  resize: vertical;
}

.form-note {
  font-size: 0.92rem;
  color: var(--muted);
}

.contact-list {
  display: grid;
  gap: 0.85rem;
  margin-top: 1rem;
}

.contact-list a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 0.18em;
}

.coverage-card {
  justify-content: space-between;
}

.coverage-card p {
  margin-top: 0;
}

.policy-layout {
  display: grid;
  gap: 1.1rem;
}

.policy-card {
  padding: 1.55rem;
}

.policy-card h2 {
  font-size: 1.6rem;
}

.policy-card p + p {
  margin-top: 0.85rem;
}

.article-grid {
  display: grid;
  gap: 1.1rem;
}

.article-card {
  justify-content: space-between;
}

.article-card h3 {
  font-size: 1.55rem;
}

.article-card a {
  color: var(--accent);
  font-weight: 600;
}

.panel > a,
.article-card > a,
.coverage-card > a,
.contact-panel > a {
  margin-top: auto;
}

.panel a:not(.button),
.coverage-card a:not(.button),
.contact-panel a:not(.button),
.policy-card a:not(.button),
.comparison-column a:not(.button) {
  color: var(--accent);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 0.18em;
}

.article-card a:hover,
.article-card a:focus-visible,
.panel a:not(.button):hover,
.panel a:not(.button):focus-visible,
.coverage-card a:not(.button):hover,
.coverage-card a:not(.button):focus-visible,
.contact-panel a:not(.button):hover,
.contact-panel a:not(.button):focus-visible,
.policy-card a:not(.button):hover,
.policy-card a:not(.button):focus-visible,
.comparison-column a:not(.button):hover,
.comparison-column a:not(.button):focus-visible {
  color: var(--warm);
}

.footer-top {
  padding: 3rem 0 2rem;
  border-top: 1px solid var(--line);
}

.footer-grid {
  display: grid;
  gap: 1.4rem;
}

.footer-grid h2 {
  font-size: 1.15rem;
  margin-bottom: 0.8rem;
}

.footer-grid p,
.footer-grid a {
  color: var(--muted);
}

.footer-list {
  display: grid;
  gap: 0.65rem;
}

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding: 1.25rem 0 2rem;
  color: var(--muted);
  font-size: 0.92rem;
}

.footer-inline {
  display: flex;
  flex-wrap: wrap;
  gap: 0.9rem;
}

.footer-inline a:hover,
.footer-inline a:focus-visible,
.footer-list a:hover,
.footer-list a:focus-visible {
  color: var(--ink);
}

.micro-copy {
  color: var(--muted);
  font-size: 0.94rem;
}

.page-intro {
  padding-top: 2.5rem;
}

.utility-border-top {
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}

.grid-2,
.grid-3,
.grid-4,
.comparison-grid,
.contact-grid,
.article-grid,
.policy-layout,
.hero-grid {
  align-items: stretch;
}

.grid-2 > *,
.grid-3 > *,
.grid-4 > *,
.comparison-grid > *,
.contact-grid > *,
.article-grid > *,
.policy-layout > *,
.hero-grid > * {
  min-width: 0;
  height: 100%;
}

@media (min-width: 720px) {
  .site-shell {
    width: min(calc(100% - 3rem), var(--max-width));
  }

  .hero {
    padding-top: 4rem;
    padding-bottom: 5rem;
  }

  .grid-2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .grid-4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero-meta-grid,
  .comparison-grid,
  .contact-grid,
  .article-grid,
  .policy-layout {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .form-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .form-grid .field-full {
    grid-column: 1 / -1;
  }

  .footer-grid {
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
  }

  .footer-bottom {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }
}

@media (min-width: 960px) {
  .nav-toggle {
    display: none;
  }

  .site-nav {
    position: static;
    display: flex;
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding: 0;
    background: transparent;
    border: 0;
    box-shadow: none;
    width: min(100%, 860px);
  }

  .nav-list {
    flex-direction: row;
    flex-wrap: wrap;
    justify-content: center;
    gap: 1.3rem;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1.25fr) minmax(360px, 0.75fr);
  }

  .hero-meta-grid,
  .comparison-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .article-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 1180px) {
  .section {
    padding: 5rem 0;
  }

  .site-shell {
    width: min(calc(100% - 4rem), var(--max-width));
  }

  .section-header {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
    align-items: end;
  }

  .section-header h2 {
    margin-right: 2rem;
  }
}