/* Fast Life Collisions — site styles. Mobile first; no horizontal scroll at 375px; inputs 16px+ (Rule 3.16). */
:root {
  --ink: #121418;
  --ink-2: #1b1e24;
  --ink-3: #2a2e36;
  --paper: #f6f5f2;
  --white: #fff;
  --line: #e4e1db;
  --muted: #5b616b;
  --text: #1c1f25;
  --accent: #1a5fd0;
  --accent-2: #144aa6;
  --accent-soft: #e8f0fd;
  --accent-glow: rgba(26, 95, 208, .35);
  --green: #1d6f47;
  --green-bg: #ecf6f0;
  --dont: #a3241c;
  --dont-bg: #fdf0ee;
  --radius: 14px;
  --wrap: 1180px;
  --head: "Barlow Condensed", "Arial Narrow", "Roboto Condensed", sans-serif;
  --body: "Barlow", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --shadow: 0 1px 2px rgba(18, 20, 24, .06), 0 10px 28px rgba(18, 20, 24, .09);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font: 400 17px/1.62 var(--body); color: var(--text); background: var(--paper); overflow-x: hidden; }
img, svg { max-width: 100%; }
img { height: auto; }
a { color: var(--accent-2); }
a:hover { color: var(--accent); }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
@media (min-width: 768px) { .wrap { padding: 0 28px; } }

h1, h2, h3, h4 { font-family: var(--head); font-weight: 700; line-height: 1.04; letter-spacing: .2px; color: inherit; }
h1 { font-size: clamp(2.3rem, 6.4vw, 4.4rem); text-transform: uppercase; margin: .25em 0 .35em; }
h2 { font-size: clamp(1.85rem, 4.4vw, 2.75rem); text-transform: uppercase; margin: 0 0 .45em; }
h3 { font-size: 1.45rem; margin: 1.2em 0 .35em; }
p { margin: 0 0 1em; }

.skip { position: absolute; left: -9999px; top: 8px; z-index: 100; background: #fff; padding: 8px 14px; }
.skip:focus { left: 8px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

.ico { width: 22px; height: 22px; flex: none; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- preview markers (never in the ship build) ---------- */
.preview-banner { background: #ffe866; color: #2b2300; font-size: .85rem; line-height: 1.4; text-align: center; padding: 7px 16px; }
mark.need { background: #ffe866; color: #3a2f00; padding: 0 .3em; border-radius: 4px; font-weight: 600; font-size: .92em; box-shadow: inset 0 0 0 1px #e0c200; }
.ok-tag { display: inline-block; margin-left: .45em; background: #ffb547; color: #3b2200; font: 700 .66rem/1.7 var(--body); text-transform: uppercase; letter-spacing: .05em; padding: 0 .45em; border-radius: 4px; vertical-align: middle; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; min-height: 50px; padding: .8rem 1.3rem; border-radius: 10px; border: 0; font: 600 1.02rem/1.1 var(--body); text-decoration: none; cursor: pointer; transition: background .15s, transform .15s, box-shadow .15s; }
.btn:active { transform: translateY(1px); }
.btn-accent { background: var(--accent); color: #fff; box-shadow: 0 8px 20px var(--accent-glow); }
.btn-accent:hover { background: var(--accent-2); color: #fff; }
.btn-ghost { color: #fff; box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .38); background: rgba(255, 255, 255, .04); }
.btn-ghost:hover { color: #fff; background: rgba(255, 255, 255, .1); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: var(--ink-3); color: #fff; }
.btn-line { color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--ink); background: transparent; }
.btn-line:hover { background: var(--ink); color: #fff; }

/* ---------- top bar + header ---------- */
.topbar { background: #0c0e11; color: #b9bec7; font-size: .86rem; }
.topbar .wrap { display: flex; gap: 18px; align-items: center; justify-content: space-between; min-height: 38px; }
.topbar span, .topbar a { display: inline-flex; align-items: center; gap: 6px; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; white-space: nowrap; flex-shrink: 0; }
.topbar .ico { width: 16px; height: 16px; color: var(--accent); }
.topbar .tb-addr { display: none; }
@media (min-width: 760px) { .topbar .tb-addr { display: inline-flex; } }

.site-header { position: sticky; top: 0; z-index: 40; background: rgba(255, 255, 255, .97); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; gap: 16px; min-height: 70px; }
.logo { display: flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); margin-right: auto; }
.logo:hover { color: var(--ink); }
.logo-stripes { display: flex; flex-direction: column; align-items: flex-end; gap: 3px; transform: skewX(-22deg); }
.logo-stripes i { display: block; height: 5px; border-radius: 1px; background: var(--accent); }
.logo-stripes i:nth-child(1) { width: 28px; }
.logo-stripes i:nth-child(2) { width: 21px; }
.logo-stripes i:nth-child(3) { width: 14px; }
.logo-text { display: flex; flex-direction: column; }
.logo-fast { font: italic 800 1.7rem/.86 var(--head); letter-spacing: .6px; }
.logo-sub { font: 700 .66rem/1 var(--body); letter-spacing: .37em; color: var(--accent); margin-top: 4px; }
.site-footer .logo { color: #fff; }

.nav ul { list-style: none; margin: 0; padding: 0; }
.nav a { display: block; text-decoration: none; color: var(--text); font-weight: 600; padding: 10px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--accent-2); background: var(--accent-soft); }
.menu-btn { display: inline-flex; align-items: center; gap: 6px; background: none; border: 1.5px solid var(--line); border-radius: 10px; padding: 9px 12px; font: 600 .95rem var(--body); color: var(--ink); cursor: pointer; min-height: 44px; }
.header-cta { display: none; }

/* phones and tablets: menu behind the button (with JS); without JS the list shows in place */
@media (max-width: 1023px) {
  .js .nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none; }
  .js .nav.open { display: block; }
  .nav ul { padding: 8px 16px 16px; }
  .nav a { padding: 13px 12px; font-size: 1.05rem; border-bottom: 1px solid #f0eee9; border-radius: 0; }
  html:not(.js) .site-header .wrap { flex-wrap: wrap; }
  html:not(.js) .nav { width: 100%; }
  html:not(.js) .menu-btn { display: none; }
}
@media (min-width: 1024px) {
  .menu-btn { display: none; }
  .nav ul { display: flex; gap: 2px; }
  .nav a { font-size: .97rem; padding: 9px 11px; }
  .header-cta { display: inline-flex; min-height: 44px; padding: .65rem 1.05rem; }
}

/* ---------- hero (home) ---------- */
.hero { position: relative; overflow: hidden; color: #fff; padding: 46px 0 0;
  background:
    radial-gradient(900px 480px at 82% 38%, rgba(26, 95, 208, .26), transparent 62%),
    repeating-linear-gradient(115deg, rgba(255, 255, 255, .028) 0 2px, transparent 2px 24px),
    linear-gradient(180deg, #15171c, #0f1114); }
.hero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 9px;
  background: linear-gradient(90deg, var(--accent) 0 58%, transparent 58% 59%, var(--accent) 59% 66%, transparent 66% 67%, var(--accent) 67% 70%, transparent 70%); }
.hero-grid { display: grid; gap: 10px; align-items: center; }
@media (min-width: 980px) { .hero { padding-top: 64px; } .hero-grid { grid-template-columns: 1.02fr 1fr; gap: 28px; } }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font: 600 .8rem/1.3 var(--body); letter-spacing: .16em; text-transform: uppercase; color: #a9c8ff; }
.eyebrow::before { content: ""; width: 26px; height: 3px; background: var(--accent); transform: skewX(-25deg); }
.hero h1 { margin-top: .3em; }
.hero h1 .accent { display: block; color: var(--accent); font-size: .62em; letter-spacing: .5px; margin-top: .12em; }
.lead { font-size: 1.14rem; line-height: 1.6; color: #d3d7dd; max-width: 36em; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 26px 0 8px; }
.quick { list-style: none; padding: 0; margin: 22px 0 46px; display: grid; gap: 10px; color: #c7ccd4; }
.quick li { display: flex; gap: 10px; align-items: flex-start; }
.quick .ico { color: var(--accent); margin-top: 2px; }
.quick a { color: #fff; font-weight: 600; text-decoration: none; }
.hero-art { position: relative; margin: 0 -16px; }
.hero-art img { display: block; width: 100%; }
@media (min-width: 980px) { .hero-art { margin: 0 -40px 0 0; } .quick { margin-bottom: 64px; } }

/* claim chips under the hero */
.trust { background: #fff; border-bottom: 1px solid var(--line); }
.trust ul { list-style: none; margin: 0; padding: 16px 0; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.trust li { display: inline-flex; gap: 8px; align-items: center; font-weight: 600; font-size: .98rem; }
.trust .ico { color: var(--green); }

/* ---------- page head (inner pages) ---------- */
.page-head { position: relative; overflow: hidden; color: #fff; padding: 26px 0 40px;
  background:
    radial-gradient(700px 300px at 90% 0%, rgba(26, 95, 208, .25), transparent 65%),
    repeating-linear-gradient(115deg, rgba(255, 255, 255, .028) 0 2px, transparent 2px 24px),
    #121418; }
.page-head::after { content: ""; position: absolute; left: 0; bottom: 0; height: 6px; width: 44%; background: var(--accent); clip-path: polygon(0 0, 100% 0, 97% 100%, 0 100%); }
.page-head h1 { font-size: clamp(2.1rem, 5.6vw, 3.6rem); max-width: 18em; margin: .35em 0 .3em; }
.page-head .lead { margin: 0; }
.page-head .hero-actions { margin-bottom: 0; }
.crumbs { font-size: .86rem; color: #9ea4ae; }
.crumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 4px 8px; }
.crumbs li + li::before { content: "›"; margin-right: 8px; color: #6d737d; }
.crumbs a { color: #d3d7dd; text-decoration: none; }
.crumbs a:hover { color: #fff; text-decoration: underline; }
.meta-line { color: #a9afb8; font-size: .92rem; margin-top: 10px; }

/* ---------- sections ---------- */
.section { padding: 60px 0; }
@media (min-width: 900px) { .section { padding: 84px 0; } }
.section-white { background: #fff; }
.section-dark { background: var(--ink); color: #e6e8eb; }
.section-dark p { color: #c4c9d1; }
.section-head { max-width: 760px; margin-bottom: 30px; }
.section-head p { color: var(--muted); font-size: 1.08rem; }
.section-dark .section-head p { color: #b9bec7; }
.kicker { font: 700 .8rem/1.3 var(--body); letter-spacing: .16em; text-transform: uppercase; color: var(--accent); margin: 0 0 8px; }
.split { display: grid; gap: 34px; align-items: start; }
@media (min-width: 920px) { .split { grid-template-columns: 1fr 1fr; gap: 54px; } .split.wide-left { grid-template-columns: 1.3fr 1fr; } }

/* cards */
.cards { display: grid; gap: 16px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 255px), 1fr)); }
.card { position: relative; display: flex; flex-direction: column; gap: 10px; padding: 24px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); color: inherit; text-decoration: none; transition: transform .16s, box-shadow .16s, border-color .16s; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #d5d0c8; color: inherit; }
.card h3 { font-size: 1.5rem; text-transform: uppercase; margin: 4px 0 0; }
.card p { margin: 0; color: var(--muted); }
.card .more { margin-top: auto; padding-top: 6px; font-weight: 700; color: var(--accent-2); display: inline-flex; gap: 6px; align-items: center; }
.card .more .ico { width: 18px; height: 18px; transition: transform .16s; }
a.card:hover .more .ico { transform: translateX(3px); }
.ico-wrap { width: 50px; height: 50px; border-radius: 12px; display: grid; place-items: center; background: var(--accent-soft); color: var(--accent); }
.ico-wrap .ico { width: 26px; height: 26px; }
.card-dark { background: var(--ink-2); border-color: #2b2f37; color: #e7e9ec; }
.card-dark p { color: #b5bbc4; }
.card-dark .ico-wrap { background: rgba(26, 95, 208, .16); }
a.card-dark:hover { border-color: #3a3f48; color: #fff; }
.card-dark .more { color: #8db8ff; }

/* steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); counter-reset: step; }
.steps li { position: relative; background: #fff; border-radius: var(--radius); padding: 22px 20px; border: 1px solid var(--line); border-top: 4px solid var(--accent); }
.steps li::before { counter-increment: step; content: "0" counter(step); display: block; font: 800 2.3rem/1 var(--head); color: var(--accent); margin-bottom: 8px; }
.steps h3 { margin: 0 0 6px; font-size: 1.3rem; text-transform: uppercase; }
.steps p { margin: 0; color: var(--muted); font-size: .98rem; }

/* dos and don'ts */
.dodont { display: grid; gap: 16px; margin: 1.4em 0; }
@media (min-width: 760px) { .dodont { grid-template-columns: 1fr 1fr; } }
.dd { border-radius: var(--radius); padding: 18px 20px 12px; margin: 1.2em 0; }
.dodont .dd { margin: 0; }
.dd.do { background: var(--green-bg); border: 1px solid #cde5d8; }
.dd.dont { background: var(--dont-bg); border: 1px solid #f1d1cc; }
.dd-title { display: flex; align-items: center; gap: 8px; margin: 0 0 6px; font: 700 1.3rem/1 var(--head); text-transform: uppercase; letter-spacing: .4px; }
.dd.do .dd-title { color: var(--green); }
.dd.dont .dd-title { color: var(--dont); }
.dd ul { list-style: none; margin: 0; padding: 0; }
.dd li { position: relative; padding-left: 30px; margin: 0 0 10px; line-height: 1.5; }
.dd li::before { content: ""; position: absolute; left: 0; top: .18em; width: 20px; height: 20px; border-radius: 50%; background-repeat: no-repeat; background-position: center; background-size: 12px; }
.dd.do li::before { background-color: var(--green); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E"); }
.dd.dont li::before { background-color: var(--dont); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.4' stroke-linecap='round'%3E%3Cpath d='M7 7l10 10M17 7L7 17'/%3E%3C/svg%3E"); }

.note { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--ink); border-radius: 0 12px 12px 0; padding: 14px 18px; margin: 1.4em 0; }
.note p:last-child, .state-law p:last-child { margin-bottom: 0; }
.state-law { background: #fffdf6; border: 1px dashed #cdc6b8; border-radius: 12px; padding: 16px 18px; margin: 1.4em 0; }
.state-law .law-line { margin: .6em 0 0; }
.state-tag { display: inline-block; font: 700 .72rem/1.6 var(--body); letter-spacing: .1em; text-transform: uppercase; color: #7b6a3e; margin-bottom: 4px; }
.cite { color: var(--muted); font-size: .9em; }
.legal-note { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; color: var(--muted); background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 16px; margin: 0 0 1.6em; }
.legal-note .ico { color: var(--ink); margin-top: 1px; }

/* photos */
.photo { margin: 0; border-radius: var(--radius); overflow: hidden; background: #e9e6e0; }
.photo img { display: block; width: 100%; height: 100%; object-fit: cover; }
.photo figcaption { font-size: .88rem; color: var(--muted); padding: 8px 2px 0; background: var(--paper); }
.photo.slot { aspect-ratio: 4 / 3; display: grid; place-items: center; text-align: center; color: #6b665d; border: 2px dashed #c9c3b8; background: repeating-linear-gradient(135deg, #efede8 0 12px, #e7e4dd 12px 24px); }
.photo.slot.tall { aspect-ratio: 3 / 4; }
.photo.slot div { display: grid; gap: 4px; justify-items: center; padding: 16px; }
.photo.slot .ico { width: 34px; height: 34px; }
.photo.slot span { font-weight: 700; }
.photo.slot small { font-size: .74rem; }
.section-dark .photo.slot { background: repeating-linear-gradient(135deg, #1d2026 0 12px, #23272e 12px 24px); border-color: #3b4049; color: #9ba1ab; }
.gallery { display: grid; gap: 12px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 230px), 1fr)); }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin: 0 0 10px; }
.faq summary { list-style: none; cursor: pointer; padding: 16px 52px 16px 18px; font-weight: 700; font-size: 1.05rem; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); font: 600 1.6rem/1 var(--body); color: var(--accent); }
.faq details[open] summary::after { content: "–"; }
.faq-a { padding: 0 18px 4px; color: #3b4048; }

/* article layout */
.article-grid { display: grid; gap: 40px; align-items: start; }
@media (min-width: 1020px) { .article-grid { grid-template-columns: minmax(0, 1fr) 300px; gap: 56px; } }
.prose { max-width: 740px; font-size: 1.07rem; }
.prose > p:first-of-type { font-size: 1.16rem; color: #2a2e35; }
.prose h2 { font-size: clamp(1.6rem, 3.4vw, 2.15rem); text-transform: none; letter-spacing: .1px; margin: 1.7em 0 .45em; scroll-margin-top: 90px; }
.prose h3 { font-size: 1.35rem; margin: 1.4em 0 .35em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin: .3em 0; }
.prose a { text-underline-offset: 2px; }
.tbl-wrap { overflow-x: auto; margin: 1.4em 0; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.tbl { border-collapse: collapse; width: 100%; font-size: .97rem; }
.tbl th, .tbl td { text-align: left; padding: 11px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
.tbl th { background: #f3f1ed; font-weight: 700; }
.tbl tr:last-child td { border-bottom: 0; }
.aside-stack { display: grid; gap: 16px; }
@media (min-width: 1020px) { .aside-stack { position: sticky; top: 92px; } }
.toc, .box { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; }
.toc h2, .box h2 { font-size: 1.2rem; margin: 0 0 8px; }
.toc ol { margin: 0; padding-left: 1.15em; font-size: .95rem; }
.toc li { margin: .35em 0; }
.toc a { color: var(--text); text-decoration: none; }
.toc a:hover { color: var(--accent-2); text-decoration: underline; }
.cta-card { background: var(--ink); color: #fff; border-radius: var(--radius); padding: 22px; position: relative; overflow: hidden; }
.cta-card::before { content: ""; position: absolute; right: -30px; top: 18px; width: 140px; height: 8px; background: var(--accent); transform: skewX(-25deg); box-shadow: 0 16px 0 var(--accent), 0 32px 0 rgba(26, 95, 208, .5); opacity: .9; }
.cta-card h2 { font-size: 1.6rem; text-transform: uppercase; margin: 0 0 6px; max-width: 11em; position: relative; }
.cta-card p { color: #c3c8d0; margin: 0 0 16px; position: relative; }
.cta-card .btn { width: 100%; margin-top: 8px; }
.cta-band { background: var(--ink); color: #fff; border-radius: 18px; padding: 30px 26px; display: grid; gap: 18px; align-items: center; margin: 2.4em 0; position: relative; overflow: hidden; }
.cta-band h2 { margin: 0; font-size: clamp(1.6rem, 3.4vw, 2.2rem); }
.cta-band p { color: #c3c8d0; margin: 6px 0 0; }
.cta-band .actions { display: flex; flex-wrap: wrap; gap: 10px; }
@media (min-width: 820px) { .cta-band { grid-template-columns: 1fr auto; padding: 34px 36px; } }
.link-list { list-style: none; margin: 0; padding: 0; }
.link-list li { border-bottom: 1px solid var(--line); }
.link-list li:last-child { border-bottom: 0; }
.link-list a { display: flex; justify-content: space-between; gap: 10px; padding: 10px 0; text-decoration: none; color: var(--text); font-weight: 600; }
.link-list a:hover { color: var(--accent-2); }
.link-list .ico { width: 18px; height: 18px; color: var(--accent); margin-top: 3px; }
.sources { font-size: .9rem; color: var(--muted); border-top: 1px solid var(--line); margin-top: 2.4em; padding-top: 1.2em; }
.sources h2 { font-size: 1.25rem; text-transform: uppercase; }
.sources ol { padding-left: 1.2em; }
.sources li { margin: .4em 0; }

/* guide hub */
.cluster { margin: 0 0 56px; }
.cluster-head { display: flex; gap: 14px; align-items: center; margin-bottom: 18px; }
.cluster-head h2 { margin: 0; }
.guide-list { display: grid; gap: 10px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 330px), 1fr)); }
.guide-link { display: flex; gap: 12px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; text-decoration: none; color: var(--text); transition: border-color .15s, box-shadow .15s; }
.guide-link:hover { border-color: #d3cec5; box-shadow: var(--shadow); color: var(--text); }
.guide-link strong { display: block; line-height: 1.3; }
.guide-link small { display: block; color: var(--muted); margin-top: 3px; line-height: 1.4; }
.guide-link .ico { color: var(--accent); margin-top: 2px; }

/* visit / hours / contact */
.hours { border-collapse: collapse; width: 100%; max-width: 420px; }
.hours th, .hours td { text-align: left; padding: 8px 0; border-bottom: 1px solid var(--line); }
.hours td { text-align: right; }
.section-dark .hours th, .section-dark .hours td { border-color: #2c3038; }
.info-list { list-style: none; margin: 0 0 20px; padding: 0; display: grid; gap: 14px; }
.info-list li { display: flex; gap: 12px; align-items: flex-start; }
.info-list .ico { color: var(--accent); margin-top: 3px; }
.info-list strong { display: block; font-size: .8rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.section-dark .info-list strong { color: #8f96a1; }

/* forms */
.form { display: grid; gap: 14px; }
.form .row { display: grid; gap: 14px; }
@media (min-width: 640px) { .form .row { grid-template-columns: 1fr 1fr; } }
.form label { display: grid; gap: 6px; font-weight: 600; font-size: .95rem; }
.form .opt { font-weight: 400; color: var(--muted); }
.form input, .form select, .form textarea { font: 400 16px/1.4 var(--body); color: var(--text); width: 100%; padding: 12px 14px; border: 1.5px solid #cfcac2; border-radius: 10px; background: #fff; min-height: 48px; }
.form textarea { min-height: 120px; resize: vertical; }
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(26, 95, 208, .15); }
.form .hp { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }
.form .fine { font-size: .82rem; color: var(--muted); line-height: 1.45; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 24px; box-shadow: var(--shadow); }
@media (min-width: 640px) { .form-card { padding: 32px; } }

/* footer + mobile call bar */
.site-footer { background: #0c0e11; color: #a9afb8; padding: 56px 0 96px; font-size: .95rem; }
@media (min-width: 900px) { .site-footer { padding-bottom: 40px; } }
.foot-grid { display: grid; gap: 34px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); }
.site-footer h2 { font-size: 1.05rem; letter-spacing: .14em; text-transform: uppercase; color: #fff; margin: 0 0 12px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin: 0 0 8px; }
.site-footer a { color: #dfe2e6; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.foot-about p { margin: 14px 0; }
.foot-legal { border-top: 1px solid #22262d; margin-top: 40px; padding-top: 20px; display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: .85rem; }
.callbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 45; display: grid; grid-template-columns: 1fr 1fr; gap: 8px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: rgba(12, 14, 17, .96); backdrop-filter: blur(6px); border-top: 1px solid #23272e; }
.callbar .btn { min-height: 48px; padding: .6rem; font-size: .98rem; }
@media (min-width: 900px) { .callbar { display: none; } }

.center { text-align: center; }
.mt0 { margin-top: 0; }
.muted { color: var(--muted); }
.not-found { padding: 80px 0; }

/* fixes after first visual check */
.section-head .kicker { color: var(--accent); }
.section-dark .kicker, .section-dark .section-head .kicker { color: #8db8ff; }
.cards { grid-template-columns: repeat(auto-fill, minmax(min(100%, 300px), 1fr)); }

/* insurance band */
.law-quote { margin: 22px 0 6px; padding: 18px 20px; border-left: 4px solid var(--accent); background: rgba(255, 255, 255, .05); border-radius: 0 12px 12px 0; }
.law-quote p { margin: 0 0 8px; font: 600 1.02rem/1.5 var(--body); letter-spacing: .01em; color: #fff; }
.law-quote footer { font-size: .85rem; color: #9ea4ae; }
.law-quote footer a { color: #d3d7dd; }
.section:not(.section-dark) .law-quote { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--accent); }
.section:not(.section-dark) .law-quote p { color: var(--text); }
.section:not(.section-dark) .law-quote footer { color: var(--muted); }
.box-dark { background: var(--ink-2); border-color: #2b2f37; color: #e6e8eb; }
.box-dark h2 { color: #fff; }
.box-dark .link-list li { border-color: #2c3038; }
.li-plain { display: flex; gap: 10px; align-items: center; padding: 9px 0; font-weight: 600; }
.li-plain .ico { color: #4cc38a; width: 18px; height: 18px; }
.fine-dark { font-size: .85rem; color: #9aa1ab; margin: 12px 0 0; }
.wave-tag { display: inline-block; margin-top: 6px; font: 700 .66rem/1.7 var(--body); font-style: normal; text-transform: uppercase; letter-spacing: .06em; padding: 0 .5em; border-radius: 4px; background: #e9e6df; color: #5b5547; }
.wave-tag.w1 { background: #dff3e7; color: #1d6f47; }
.wave-tag.w2 { background: #e6eefc; color: #2a4f8f; }

/* phone width: long titles and citations wrap instead of pushing the page sideways (Rule 3.16) */
.link-list a > span { flex: 1 1 auto; min-width: 0; overflow-wrap: anywhere; }
.prose, .box, .toc, .cta-card, .note, .state-law, .law-quote, .sources, .guide-link, .card { overflow-wrap: break-word; }
.sources a, .cite a { overflow-wrap: anywhere; }
.article-grid > *, .split > *, .hero-grid > *, .foot-grid > * { min-width: 0; }