@import url("/fonts/fonts.css");
[hidden]{display:none!important}
/* Zackraus design tokens: three-part palette (pale tint bands, saturated brand plum, contrasting teal action) + ink + status pair */
:root{
  --ink:#1E2B38; --ink-2:#34495A; --muted:#5B6B78; --rule:#DCE3E8; --bg:#FFFFFF;
  --tint:#EEF3F6; --tint-2:#F7FAFB; --brand:#2F4858; --brand-2:#4A6B80; --brand-d:#1F3341;
  --act:#E4572E; --act-d:#C2421C; --act-soft:#FDEBE5;
  --good:#1E8E4E; --good-soft:#E6F4EC; --bad:#C0392B; --bad-soft:#FBEAE7; --warn:#9A6A00; --warn-soft:#FFF5DB;
  --r:10px; --r-lg:14px; --shadow:0 18px 40px rgba(31,51,65,.12); --wrap:1160px;
  --font:'Nunito Sans',system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:400 17px/1.6 var(--font)}
img{max-width:100%;height:auto;display:block}
a{color:var(--act-d);text-underline-offset:3px}
a:hover{color:var(--brand)}
:focus-visible{outline:3px solid var(--act);outline-offset:2px}
h1,h2,h3,h4{line-height:1.2;margin:0;text-wrap:balance;color:var(--ink)}
h1{font-size:clamp(32px,5vw,46px);font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(26px,3.4vw,36px);font-weight:800;letter-spacing:-.005em}
h3{font-size:20px;font-weight:700}
p{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:20px}
.narrow{max-width:760px}
.band{padding-block:72px}
.band.tint{background:var(--tint)}
.band.brand{background:var(--brand);color:#fff}
.band.brand h2,.band.brand h3{color:#fff}
.stack{display:grid;gap:18px}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand-2)}
.lead{font-size:19px;color:var(--ink-2);max-width:62ch}
.muted{color:var(--muted)}
.small{font-size:15px}
.center{text-align:center}
.center .lead{margin-inline:auto}
.sec-head{display:grid;gap:10px;margin-bottom:34px;max-width:720px}
.sec-head.center{margin-inline:auto}

/* header */
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}
.site-head{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;gap:24px;min-height:68px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:21px;letter-spacing:-.01em}
.logo svg{width:34px;height:34px;flex:none}
.logo span b{color:var(--brand)}
.nav{display:flex;gap:22px;margin-left:auto;align-items:center}
.nav a{color:var(--ink-2);text-decoration:none;font-weight:600;font-size:15.5px}
.nav a:hover{color:var(--brand)}
.nav .btn{margin-left:4px}
.nav a.btn,.nav a.btn:hover{color:#fff}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--rule);border-radius:var(--r);height:42px;padding:0 12px;font:600 15px var(--font);color:var(--ink);cursor:pointer}
@media (max-width:980px){
  .menu-btn{display:inline-flex;align-items:center;gap:8px}
  .nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--rule);flex-direction:column;align-items:stretch;padding:12px 20px 18px;gap:4px}
  .nav.open{display:flex}
  .nav a{padding:10px 0;border-bottom:1px solid var(--tint)}
  .nav .btn{margin:8px 0 0}
}

/* buttons & forms */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:52px;padding:0 24px;border-radius:var(--r);border:0;background:var(--act);color:#fff;font:700 17px var(--font);text-decoration:none;cursor:pointer;white-space:nowrap;transition:background .15s}
.btn:hover{background:var(--act-d);color:#fff}
.btn.sm{height:42px;padding:0 16px;font-size:15.5px}
.btn.ghost{background:#fff;color:var(--brand);border:2px solid var(--rule)}
.btn.ghost:hover{border-color:var(--brand);color:var(--brand)}
.leadform{display:flex;gap:10px;width:100%}
.leadform .field{flex:1;min-width:0;position:relative}
.leadform input{width:100%;height:56px;border:2px solid #C5D0D8;border-radius:var(--r);padding:0 16px;font:500 18px var(--font);color:var(--ink);background:#fff}
.leadform input:focus{border-color:var(--act);outline:none;box-shadow:0 0 0 4px var(--act-soft)}
.leadform .btn{height:56px}
.formnote{font-size:14px;color:var(--muted);margin-top:10px}
.formerr{color:var(--bad);font-size:14.5px;margin-top:8px;font-weight:600}
@media (max-width:560px){.leadform{flex-direction:column}.leadform .btn{width:100%}}
label.lbl{display:block;font-weight:700;margin-bottom:8px}
.input{width:100%;height:52px;border:2px solid #C5D0D8;border-radius:var(--r);padding:0 14px;font:500 17px var(--font);color:var(--ink);background:#fff}
.input:focus,select.input:focus,textarea.input:focus{border-color:var(--act);outline:none;box-shadow:0 0 0 4px var(--act-soft)}
textarea.input{height:auto;padding:12px 14px;min-height:120px}

/* hero (home): photo + plum gradient + centred white card */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--brand-d)}
.hero .bg{position:absolute;inset:0;background-size:cover;background-position:center 35%}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(31,51,65,.72) 0%,rgba(31,51,65,.82) 55%,rgba(31,51,65,.92) 100%)}
.hero .wrap{position:relative;z-index:1;padding-block:64px 70px;display:grid;justify-items:center;text-align:center;gap:22px}
.hero h1{color:#fff;max-width:18ch}
.tagline{font-weight:800;font-size:15px;letter-spacing:.06em;text-transform:uppercase;color:#FFB59D;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:6px 14px}
.hero .lead{color:#E6EEF2;margin-inline:auto}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:22px;width:min(640px,100%);text-align:left}
.hero-card .lbl{font-size:16px}
.checks{display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:center;list-style:none;padding:0;margin:0;color:#fff;font-weight:600;font-size:16px}
.checks li{display:flex;align-items:center;gap:8px}
.checks svg{width:20px;height:20px;flex:none}
.private-note{font-size:14px;color:#C9D6DE;max-width:60ch}

/* page hero (inner pages) */
.phero{background:var(--tint);border-bottom:1px solid var(--rule)}
.phero .wrap{padding-block:44px 48px;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.9fr);gap:40px;align-items:center}
.phero .crumbs{font-size:14px;color:var(--muted);margin-bottom:12px}
.phero .crumbs a{color:var(--muted)}
.phero-card{background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:22px;box-shadow:0 10px 30px rgba(31,51,65,.07)}
.phero-img{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/3;max-width:100%}
.phero-img img{width:100%;height:100%;object-fit:cover}
@media (max-width:900px){.phero .wrap{grid-template-columns:1fr}}

/* trust strip */
.trust{background:#fff;border-bottom:1px solid var(--rule)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trust .t{display:flex;gap:12px;align-items:flex-start;padding:22px 18px;border-right:1px solid var(--rule)}
.trust .t:last-child{border-right:0}
.trust svg{width:28px;height:28px;flex:none;color:var(--brand)}
.trust b{display:block;font-size:16px}
.trust span{font-size:14.5px;color:var(--muted)}
@media (max-width:900px){.trust .wrap{grid-template-columns:1fr 1fr}.trust .t:nth-child(2){border-right:0}.trust .t:nth-child(-n+2){border-bottom:1px solid var(--rule)}}
@media (max-width:520px){.trust .wrap{grid-template-columns:1fr}.trust .t{border-right:0;border-bottom:1px solid var(--rule)}}

/* steps (3) */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:26px;display:grid;gap:10px;align-content:start}
.step .num{width:40px;height:40px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800}
@media (max-width:860px){.steps{grid-template-columns:1fr}}

/* tiles (8) */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.tile{background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:20px;display:grid;gap:8px;align-content:start}
.tile svg{width:26px;height:26px;color:var(--act)}
.tile h3{font-size:17.5px}
.tile p{font-size:15.5px;color:var(--muted)}
@media (max-width:980px){.tiles{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.tiles{grid-template-columns:1fr}}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split .img{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/3}
.split .img img{width:100%;height:100%;object-fit:cover}
@media (max-width:860px){.split{grid-template-columns:1fr}}

/* comparison table */
.tablewrap{overflow-x:auto;border:1px solid var(--rule);border-radius:var(--r-lg);background:#fff}
table.cmp{border-collapse:collapse;width:100%;min-width:720px;font-size:15.5px}
table.cmp th,table.cmp td{padding:14px 16px;border-bottom:1px solid var(--rule);text-align:left;vertical-align:top}
table.cmp thead th{background:var(--tint);font-size:14px;letter-spacing:.02em}
table.cmp th.us,table.cmp td.us{background:var(--act-soft)}
table.cmp tr:last-child td{border-bottom:0}
.yes{color:var(--good);font-weight:700}.no{color:var(--bad);font-weight:700}
.src{font-size:13.5px;color:var(--muted);margin-top:10px}

/* honesty */
.honest{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.honest .h{background:#fff;border:1px solid var(--rule);border-left:4px solid var(--bad);border-radius:var(--r);padding:18px 20px}
.honest .h.ok{border-left-color:var(--good)}
.honest h3{font-size:17px;margin-bottom:6px}
@media (max-width:760px){.honest{grid-template-columns:1fr}}

/* cards / links */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{display:grid;gap:8px;background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:22px;text-decoration:none;color:var(--ink);align-content:start}
a.card:hover{border-color:var(--brand-2);box-shadow:0 8px 24px rgba(31,51,65,.08);color:var(--ink)}
.card .more{color:var(--act-d);font-weight:700;font-size:15px}
@media (max-width:900px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.cards{grid-template-columns:1fr}}

/* FAQ: open two-column answers */
.faq{display:grid;grid-template-columns:1fr 1fr;gap:26px 40px}
.faq .q h3{font-size:18px;margin-bottom:6px}
.faq .q p{color:var(--ink-2)}
@media (max-width:760px){.faq{grid-template-columns:1fr}}

/* article */
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;padding-block:52px 64px}
.prose{max-width:720px}
.prose h2{font-size:28px;margin:38px 0 12px}
.prose h3{font-size:21px;margin:26px 0 8px}
.prose p{margin:0 0 14px}
.prose ul,.prose ol{margin:0 0 16px;padding-left:1.3em}
.prose li{margin:6px 0}
.prose table{border-collapse:collapse;width:100%;margin:8px 0 18px;font-size:16px}
.prose .tw{overflow-x:auto}
.prose th,.prose td{border-bottom:1px solid var(--rule);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--tint);font-size:15px}
.note{background:var(--warn-soft);border-radius:var(--r);padding:14px 16px;margin:0 0 16px;font-size:16px}
.note.info{background:var(--tint)}
.aside{display:grid;gap:18px;align-content:start;position:sticky;top:90px}
.aside .box{background:var(--tint);border-radius:var(--r-lg);padding:20px;display:grid;gap:12px}
.aside .box h3{font-size:18px}
.aside ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.aside a{font-weight:600}
.updated{font-size:14px;color:var(--muted)}
@media (max-width:980px){.article{grid-template-columns:minmax(0,1fr)}.aside{position:static}}

/* tools */
.tool{background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:26px;box-shadow:0 10px 30px rgba(31,51,65,.06)}
.tool .row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.tool .row.one{grid-template-columns:1fr}
@media (max-width:640px){.tool .row{grid-template-columns:1fr}}
.seg{display:inline-flex;border:2px solid #C5D0D8;border-radius:var(--r);overflow:hidden}
.seg label{padding:10px 16px;cursor:pointer;font-weight:600}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg input:checked+span{color:#fff}
.seg label:has(input:checked){background:var(--brand);color:#fff}
.chk{display:flex;gap:10px;align-items:flex-start;margin:8px 0;font-size:16px}
.chk input{width:20px;height:20px;margin-top:3px;accent-color:var(--act)}
.result{background:var(--brand);color:#fff;border-radius:var(--r-lg);padding:24px;display:grid;gap:8px;margin-top:18px}
.result .big{font-size:40px;font-weight:800;line-height:1.1}
.result .muted{color:#C9D6DE}
.result table{width:100%;border-collapse:collapse;color:#fff;font-size:15.5px}
.result td{padding:6px 0;border-bottom:1px solid rgba(255,255,255,.2)}
.result td:last-child{text-align:right;font-variant-numeric:tabular-nums}
.letter{white-space:pre-wrap;font:15.5px/1.55 ui-monospace,Consolas,monospace;background:var(--tint-2);border:1px solid var(--rule);border-radius:var(--r);padding:18px;max-height:520px;overflow:auto}

/* CTA band */
.cta-band{background:var(--brand);color:#fff}
.cta-band .wrap{padding-block:56px;display:grid;grid-template-columns:1fr minmax(0,560px);gap:36px;align-items:center}
.cta-band h2{color:#fff}
.cta-band p{color:#DCE6EC}
@media (max-width:900px){.cta-band .wrap{grid-template-columns:1fr}}

/* funnel pages */
.funnel{min-height:calc(100vh - 69px);background:var(--tint);display:grid;place-items:start center;padding:56px 20px}
.funnel .box{background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:34px;width:min(560px,100%);display:grid;gap:18px}
.funnel .chip{display:inline-flex;align-items:center;gap:8px;background:var(--good-soft);color:var(--good);border-radius:20px;padding:6px 12px;font-weight:700;font-size:15px;justify-self:start}
.funnel .btn{width:100%}

/* footer */
.site-foot{background:#1F3341;color:#C9D5DD;font-size:15px}
.site-foot .wrap{padding-block:48px 28px}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(5,1fr);gap:24px}
.site-foot h4{color:#fff;font-size:15px;margin-bottom:10px}
.site-foot ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.site-foot a{color:#C9D5DD;text-decoration:none}
.site-foot a:hover{color:#fff;text-decoration:underline}
.site-foot .logo{color:#fff}
.site-foot .logo span b{color:#F4A58C}
.foot-legal{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:18px;font-size:13.5px;color:#9FB1BD;display:grid;gap:6px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

/* ===== Option 01 homepage components ===== */
.sr{position:absolute;left:-9999px}
.tiny{font-size:13.5px}
.announce{background:var(--brand-d);color:#E6EEF2;font-size:14.5px;text-align:center}
.announce .wrap{padding-block:9px}.announce a{color:#FFB59D;font-weight:700}
.h1sec{background:var(--tint);border-bottom:1px solid var(--rule)}
.h1grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:36px;align-items:center;padding-block:56px 48px}
.h1text h1{font-size:clamp(34px,4.6vw,48px)}
.tagline2{justify-self:start;font-weight:800;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--act-d);background:var(--act-soft);border-radius:20px;padding:5px 12px}
.pillform{display:flex;align-items:center;background:#fff;border:1px solid #C9D7E0;border-radius:32px;padding:6px 6px 6px 18px;box-shadow:0 8px 24px rgba(31,51,65,.08);max-width:560px}
.pillform:focus-within{border-color:var(--act);box-shadow:0 0 0 4px var(--act-soft)}
.pillform .ico{width:22px;height:22px;color:var(--muted);flex:none}
.pillform input{flex:1;min-width:0;border:0;outline:0;height:50px;padding:0 12px;font:600 17px var(--font);color:var(--ink);background:transparent}
.pillform button{border:0;background:var(--act);color:#fff;height:50px;padding:0 22px;border-radius:26px;font:800 16px var(--font);cursor:pointer;white-space:nowrap}
.pillform button:hover{background:var(--act-d)}
.chips{font-size:14.5px;display:flex;flex-wrap:wrap;gap:6px 8px;align-items:center}
.chips a{background:#fff;border:1px solid var(--rule);border-radius:16px;padding:3px 10px;text-decoration:none;color:var(--ink-2);font-weight:600}
.chips a:hover{border-color:var(--brand)}
.h1img img{width:100%;height:auto}
@media (max-width:900px){.h1grid{grid-template-columns:1fr;padding-block:36px}.h1img{order:2}}
@media (max-width:480px){.pillform{flex-wrap:wrap;border-radius:18px;padding:8px}.pillform .ico{display:none}.pillform input{height:46px;padding:0 8px}.pillform button{width:100%;border-radius:12px}}
.svcgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.svc{display:grid;gap:8px;align-content:start;background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:22px;text-decoration:none;color:var(--ink)}
.svc svg{width:30px;height:30px;color:var(--act)}
.svc p{color:var(--muted);font-size:15.5px}.svc .more{color:var(--act-d);font-weight:700;font-size:15px}
.svc:hover{border-color:var(--brand-2);box-shadow:0 8px 24px rgba(31,51,65,.08);color:var(--ink)}
@media (max-width:900px){.svcgrid{grid-template-columns:1fr 1fr}}@media (max-width:560px){.svcgrid{grid-template-columns:1fr}}
.probs{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.prob{background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:22px}
.prob ul{margin:10px 0 0;padding-left:1.1em;display:grid;gap:6px;color:var(--ink-2)}
.prob.us{border:2px solid var(--act);background:var(--act-soft)}
@media (max-width:860px){.probs{grid-template-columns:1fr}}
.steps4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media (max-width:980px){.steps4{grid-template-columns:1fr 1fr}}@media (max-width:560px){.steps4{grid-template-columns:1fr}}
.phoneimg{display:grid;place-items:center}.phoneimg img{width:min(380px,90%);height:auto}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:8px}.ticks li{display:flex;gap:10px;align-items:flex-start}.ticks svg{width:20px;height:20px;flex:none;color:var(--good);margin-top:3px}
.packs{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;align-items:start}
.pack{position:relative;background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:26px;display:grid;gap:12px}
.pack.hot{border:2px solid var(--act);box-shadow:0 14px 34px rgba(31,51,65,.10)}
.pack .flag{position:absolute;top:-12px;left:22px;background:var(--act);color:#fff;font-size:12.5px;font-weight:800;border-radius:12px;padding:3px 10px}
.pack .btn{justify-self:start}
@media (max-width:900px){.packs{grid-template-columns:1fr}}
.example{background:#fff;border:1px solid var(--rule);border-radius:var(--r-lg);padding:24px;display:grid;gap:10px}
.example table{border-collapse:collapse;width:100%;font-size:15.5px}.example td{padding:9px 0;border-bottom:1px solid var(--rule)}.example td:last-child{text-align:right;white-space:nowrap;padding-left:12px}
.bens{display:grid;grid-template-columns:repeat(3,1fr);gap:20px 28px}
.ben{display:flex;gap:12px;align-items:flex-start}.ben svg{width:24px;height:24px;flex:none;color:var(--act);margin-top:2px}.ben h3{font-size:18px;margin-bottom:4px}.ben p{color:var(--muted);font-size:15.5px}
@media (max-width:900px){.bens{grid-template-columns:1fr 1fr}}@media (max-width:560px){.bens{grid-template-columns:1fr}}
.dir{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.dir a{background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:14px 16px;font-weight:700;text-decoration:none;color:var(--ink)}
.dir a:hover{border-color:var(--brand)}
@media (max-width:900px){.dir{grid-template-columns:1fr 1fr}}
.acc details{border-bottom:1px solid var(--rule);padding:16px 2px}.acc summary{font-weight:800;font-size:18px;cursor:pointer}.acc details p{margin-top:8px;color:var(--ink-2)}
.remind{display:grid;grid-template-columns:1fr minmax(0,480px);gap:28px;align-items:center}
@media (max-width:860px){.remind{grid-template-columns:1fr}}

.logo .wm{height:34px;width:auto;display:block}
.site-foot .logo .wm{height:30px}
@media (max-width:480px){.logo .wm{height:29px}}

/* ===== cancellation section ===== */
.provsearch{position:relative}
.ac{position:absolute;left:0;right:0;top:calc(100% + 6px);z-index:30;list-style:none;margin:0;padding:6px;background:#fff;border:1px solid var(--rule);border-radius:14px;box-shadow:0 18px 40px rgba(31,51,65,.16);text-align:left}
.ac li{padding:10px 14px;border-radius:9px;cursor:pointer;font-weight:700}
.ac li:hover,.ac li.on{background:var(--tint)}
.provgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.prov{display:grid;gap:2px;background:#fff;border:1px solid var(--rule);border-radius:var(--r);padding:14px 16px;text-decoration:none;color:var(--ink)}
.prov b{font-size:17px}.prov span{font-size:13.5px;color:var(--muted)}
.prov:hover{border-color:var(--act);color:var(--ink)}
@media (max-width:900px){.provgrid{grid-template-columns:repeat(2,1fr)}}
.catgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.catgrid a{display:grid;gap:2px;background:var(--tint);border-radius:var(--r);padding:16px;text-decoration:none;color:var(--ink)}
.catgrid a span{font-size:14px;color:var(--muted)}
.catgrid a:hover{outline:2px solid var(--brand-2)}
@media (max-width:900px){.catgrid{grid-template-columns:repeat(2,1fr)}}@media (max-width:520px){.catgrid,.provgrid{grid-template-columns:1fr}}
.ways{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:0 0 18px}
.way{background:var(--tint);border-radius:var(--r);padding:14px 16px;display:grid;gap:4px;align-content:start}
.way b{font-size:15px;text-transform:uppercase;letter-spacing:.04em;color:var(--brand-2)}
.way p{margin:0}
.phero-card.quick{display:grid;gap:12px}.phero-card.quick .way{background:var(--tint-2)}
blockquote.quote{margin:0 0 6px;padding:12px 16px;border-left:4px solid var(--act);background:var(--tint-2);font-style:italic}
.letters{display:flex;flex-wrap:wrap;gap:6px}.letters a{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:8px;background:var(--tint);font-weight:800;text-decoration:none}
.dir.sm{grid-template-columns:repeat(2,1fr)}.dir.sm a{padding:10px 12px;font-size:15px}
.gen-actions{display:flex;flex-wrap:wrap;gap:10px}
.cta-band .pillform{max-width:none}
@media print{.site-head,.announce,.site-foot,.phero,.aside,.faq,#faq,.cta-band,.gen-actions,#kgen>.row,#kgen>button,#kgen label,.prose,.band:not(:has(#kgen)){display:none!important}.letter{border:0;max-height:none;font:12pt/1.5 Arial,sans-serif;background:#fff}}

/* long provider / legal names must wrap on phones */
.dir a,.prov b,.catgrid a b,.way p,.phero h1,.crumbs,.phero-card{overflow-wrap:anywhere;min-width:0}
@media (max-width:900px){.phero .wrap{grid-template-columns:minmax(0,1fr)}}
@media (max-width:520px){.dir,.dir.sm{grid-template-columns:minmax(0,1fr)}}
/* ---------- 3-step letter funnel ---------- */
.steps{list-style:none;margin:0 0 22px;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;counter-reset:s}
.steps li{display:flex;align-items:center;gap:8px;font-weight:700;font-size:15px;color:var(--muted);padding-bottom:10px;border-bottom:3px solid var(--rule);min-width:0}
.steps li span{display:inline-grid;place-items:center;width:26px;height:26px;border-radius:50%;background:var(--tint);font-size:14px;flex:none}
.steps li.on{color:var(--ink);border-color:var(--act)}.steps li.on span{background:var(--act);color:#fff}
.steps li.done{color:var(--brand);border-color:var(--brand)}.steps li.done span{background:var(--brand);color:#fff}
.tool .row.zipcity{grid-template-columns:140px minmax(0,1fr)}
.recip{background:var(--tint);border-radius:var(--r);padding:12px 14px;display:grid;gap:2px;line-height:1.45;overflow-wrap:anywhere}
.recip .small{margin-top:6px}
.paper{background:#fff;border:1px solid var(--rule);border-radius:6px;box-shadow:0 6px 24px rgba(31,51,65,.10);padding:26px 26px 30px;font:14.5px/1.5 Arial,Helvetica,sans-serif;color:#1a1a1f;max-height:560px;overflow:auto;overflow-wrap:anywhere}
.paper .pf{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,auto);gap:16px;margin-bottom:22px}
.paper .ret{font-size:10.5px;color:#666;border-bottom:1px solid #ccc;padding-bottom:2px;margin-bottom:6px}
.paper .snd{text-align:right;font-size:13px}.paper .dt{text-align:right;margin:0 0 18px}
.paper .subj{font-weight:700;margin:0}.paper .refs{font-size:13px;margin:2px 0 14px}.paper p{margin:0 0 12px;white-space:pre-wrap}
.paper .sigimg{max-width:200px;max-height:60px;display:block;margin:4px 0}.paper .sigt{font:italic 24px/1.2 "Brush Script MT","Segoe Script",cursive;color:#22335a;margin:4px 0}
details.edit{margin:14px 0 4px}details.edit summary{cursor:pointer;font-weight:700;color:var(--act-d)}
fieldset.sig{border:0;padding:0;margin:18px 0}
.seg{display:inline-flex;flex-wrap:wrap;border:2px solid var(--rule);border-radius:var(--r);overflow:hidden;margin-bottom:10px}
.seg label{display:flex;align-items:center;gap:6px;padding:8px 14px;cursor:pointer;font-weight:700;font-size:15px}
.seg label:has(input:checked){background:var(--tint);color:var(--brand)}.seg input{accent-color:var(--act)}
.sigpad{position:relative;border:2px dashed var(--rule);border-radius:var(--r);background:#fff;max-width:600px}
.sigpad canvas{display:block;width:100%;height:auto;aspect-ratio:600/180;touch-action:none;cursor:crosshair}
.sigpad .linkbtn{position:absolute;right:10px;bottom:6px}
.sigtype{font:italic 26px "Brush Script MT","Segoe Script",cursive;height:60px}
.linkbtn{background:none;border:0;padding:0;color:var(--act-d);font:700 15px var(--font);text-decoration:underline;cursor:pointer}
.tiers{display:grid;gap:10px;margin-bottom:16px}
.tier{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:12px;align-items:center;border:2px solid var(--rule);border-radius:var(--r);padding:14px 16px;cursor:pointer;background:#fff}
.tier:has(input:checked){border-color:var(--act);box-shadow:0 0 0 4px var(--act-soft)}
.tier input{width:20px;height:20px;accent-color:var(--act)}.tier b{display:block}.tier .d{font-size:14.5px;color:var(--muted)}.tier .pr{font-weight:800;font-size:18px;white-space:nowrap}
.tier .badge{display:inline-block;background:var(--act-soft);color:var(--act-d);font-size:12px;font-weight:800;border-radius:12px;padding:2px 8px;margin-left:6px;vertical-align:2px}
label.check{display:grid;grid-template-columns:22px minmax(0,1fr);gap:10px;align-items:start;margin:0 0 12px;font-size:15.5px;line-height:1.45}
label.check input{width:20px;height:20px;margin-top:2px;accent-color:var(--act)}
.btn.act{background:var(--act)}
.tbl{width:100%;border-collapse:collapse;font-size:15.5px}.tbl th,.tbl td{text-align:left;padding:10px 8px;border-bottom:1px solid var(--rule);vertical-align:top;overflow-wrap:anywhere}
.otl{list-style:none;margin:0;padding:0;display:grid;gap:0}
.otl li{position:relative;padding:0 0 16px 30px;color:var(--muted)}.otl li::before{content:"";position:absolute;left:6px;top:6px;width:12px;height:12px;border-radius:50%;background:var(--rule)}
.otl li::after{content:"";position:absolute;left:11px;top:20px;bottom:0;width:2px;background:var(--rule)}.otl li:last-child::after{display:none}
.otl li.done{color:var(--ink)}.otl li.done::before{background:var(--good)}.otl li.now{color:var(--ink);font-weight:700}.otl li.now::before{background:var(--act);box-shadow:0 0 0 4px var(--act-soft)}
.otl li.bad::before{background:var(--bad)}.otl small{display:block;font-weight:400;color:var(--muted)}
@media (max-width:640px){.tool .row.zipcity{grid-template-columns:110px minmax(0,1fr)}.paper{padding:16px;font-size:13.5px}.steps li{font-size:13px;gap:5px}.tier{grid-template-columns:auto minmax(0,1fr);}.tier .pr{grid-column:2}}
@media print{.steps,.sig,details.edit,.funnel3 .gen-actions,.funnel3 .formerr{display:none!important}.paper{box-shadow:none;border:0;max-height:none}}
.funnel3 .btn{white-space:normal;height:auto;min-height:52px;padding-block:10px;text-align:center}
.answer{background:var(--tint);border-left:4px solid var(--brand);border-radius:var(--r);padding:16px 18px;margin:0 0 24px}
.answer b{display:block;font-size:14px;text-transform:uppercase;letter-spacing:.05em;color:var(--brand-2);margin-bottom:4px}.answer p{margin:0;font-size:18px;line-height:1.55}
.idlist{list-style:none;padding:0;display:grid;gap:10px}.idlist li{background:var(--tint-2);border-radius:var(--r);padding:10px 14px}
ol.howto{counter-reset:h;list-style:none;padding:0;display:grid;gap:10px}ol.howto li{counter-increment:h;position:relative;padding-left:44px;min-height:32px}
ol.howto li::before{content:counter(h);position:absolute;left:0;top:-2px;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800}
.tool .hint{display:block;font-size:13.5px;color:var(--muted);margin-top:5px;line-height:1.4}
.prose ol.howto{padding-left:0;margin-left:0}.prose ol.howto li,.idlist li{overflow-wrap:anywhere;min-width:0}
span.lbl{display:block;font-weight:700;margin-bottom:8px}