/* Sterling Margin: site styles.
   Fonts: Libre Caslon Text and Libre Franklin (SIL Open Font License), self-hosted. */

@font-face { font-family: "Libre Caslon Text"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/libre-caslon-text-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Libre Caslon Text"; font-style: italic; font-weight: 400; font-display: swap; src: url("../fonts/libre-caslon-text-latin-400-italic.woff2") format("woff2"); }
@font-face { font-family: "Libre Caslon Text"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/libre-caslon-text-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Libre Franklin"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/libre-franklin-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Libre Franklin"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/libre-franklin-latin-600-normal.woff2") format("woff2"); }

:root {
  --forest: #163F30;
  --forest-deep: #0F2E23;
  --brass: #C9A14A;
  --brass-light: #D9B866;
  --brass-dark: #7A5C1E;
  --cream: #F4EFE4;
  --paper: #FFFFFF;
  --ink: #1D2A24;
  --muted: #55615B;
  --tint: #EFF4F1;
  --line: #D5DED9;
  --field: #84928A;
  --flag: #FBF5E7;
  --on-dark: rgba(244, 239, 228, 0.86);
  --on-dark-soft: rgba(244, 239, 228, 0.66);
  --rule-brass: rgba(201, 161, 74, 0.6);
  --serif: "Libre Caslon Text", Georgia, "Times New Roman", serif;
  --sans: "Libre Franklin", "Helvetica Neue", Arial, sans-serif;
  --wrap: 72rem;
  --gutter: clamp(1.25rem, 4vw, 2.5rem);
  --margin-col: 15rem;
  --margin-gap: 4rem;
  --sec-pad: clamp(4rem, 8vw, 6.5rem);
  --focus: var(--brass-dark);
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
h1, h2, h3 { margin: 0; font-family: var(--serif); font-weight: 400; text-wrap: balance; }
p, ul, ol, dl, dd, figure { margin: 0; }
p { text-wrap: pretty; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 0.22em; }
a:hover { text-decoration-thickness: 2px; }
svg { display: block; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 3px; }
.wrap { width: min(100% - 2 * var(--gutter), var(--wrap)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.nowrap { white-space: nowrap; }
.todo { background: #FCE9A6; color: #4A3A06; padding: 0 0.25em; border-radius: 2px; -webkit-box-decoration-break: clone; box-decoration-break: clone; }
.skip { position: absolute; left: var(--gutter); top: 0; z-index: 50; transform: translateY(-120%); padding: 0.6rem 1rem; background: var(--cream); color: var(--forest-deep); font-weight: 600; text-decoration: none; }
.skip:focus { transform: none; }
.site-header, .hero, .page-head, .band, .site-footer { --focus: var(--brass); }

/* ---------- Buttons and links ---------- */
.btn {
  --btn-bg: var(--forest);
  --btn-fg: var(--cream);
  --cut: 8px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 3rem;
  padding: 0.75rem 1.5rem;
  border: 0;
  cursor: pointer;
  font: 600 0.9375rem/1.2 var(--sans);
  letter-spacing: 0.005em;
  color: var(--btn-fg);
  text-decoration: none;
  white-space: nowrap;
  /* Chamfered corners, taken from the hallmark's cut corners */
  background:
    linear-gradient(135deg, transparent var(--cut), var(--btn-bg) 0) top left,
    linear-gradient(225deg, transparent var(--cut), var(--btn-bg) 0) top right,
    linear-gradient(315deg, transparent var(--cut), var(--btn-bg) 0) bottom right,
    linear-gradient(45deg, transparent var(--cut), var(--btn-bg) 0) bottom left;
  background-size: 51% 51%;
  background-repeat: no-repeat;
}
.btn:hover { --btn-bg: var(--forest-deep); }
.btn-brass { --btn-bg: var(--brass); --btn-fg: var(--forest-deep); }
.btn-brass:hover { --btn-bg: var(--brass-light); }
.btn-small { --cut: 6px; min-height: 2.5rem; padding: 0.55rem 1.1rem; font-size: 0.875rem; }
.text-link { font-weight: 600; text-decoration: underline; text-decoration-color: var(--brass); text-decoration-thickness: 1px; text-underline-offset: 0.32em; }
.text-link:hover { text-decoration-thickness: 2px; }

/* ---------- Header ---------- */
.site-header { position: relative; z-index: 20; background: var(--forest); color: var(--cream); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 5.5rem; border-bottom: 1px solid rgba(201, 161, 74, 0.28); }
.brand { display: inline-flex; align-items: center; gap: 0.8rem; color: var(--cream); text-decoration: none; }
.brand svg { width: 56px; height: 32px; flex: none; }
.wordmark { font: 700 0.92rem/1 var(--serif); letter-spacing: 0.16em; white-space: nowrap; }
.site-nav ul { display: flex; align-items: center; gap: 2rem; margin: 0; padding: 0; list-style: none; }
.site-nav a:not(.btn) {
  display: inline-block;
  padding-block: 0.4rem;
  color: var(--on-dark);
  font-size: 0.9375rem;
  text-decoration: none;
  background: linear-gradient(var(--brass), var(--brass)) no-repeat 0 100% / 0 1px;
  transition: background-size 0.2s ease, color 0.2s ease;
}
.site-nav a:not(.btn):hover, .site-nav a:not(.btn)[aria-current="page"] { color: var(--cream); background-size: 100% 1px; }
.nav-phone a { font-variant-numeric: tabular-nums; white-space: nowrap; }
.menu-toggle { display: none; }

/* ---------- Home hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--forest); color: var(--cream); }
.guilloche { position: absolute; inset: 0; width: 100%; height: 100%; pointer-events: none; }
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr);
  align-items: center;
  gap: clamp(2.5rem, 6vw, 5.5rem);
  padding-block: clamp(3.5rem, 7vw, 6rem) clamp(4.5rem, 9vw, 7.5rem);
}
.hero h1 { font-size: clamp(2.5rem, 4vw, 3.35rem); line-height: 1.06; letter-spacing: -0.012em; }
.hero .lead { max-width: 33rem; margin-top: 1.6rem; color: var(--on-dark); font-size: clamp(1.125rem, 1.5vw, 1.25rem); line-height: 1.6; }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem 2rem; margin-top: 2.25rem; }
.hero-actions .text-link, .band .text-link { color: var(--cream); }
.assurances { display: flex; flex-wrap: wrap; gap: 0.6rem 1.75rem; max-width: 34rem; margin-top: 2.5rem; padding: 1.25rem 0 0; border-top: 1px solid rgba(201, 161, 74, 0.35); list-style: none; color: var(--on-dark); font-size: 0.9375rem; }
.assurances li { display: inline-flex; align-items: center; gap: 0.6rem; }
.assurances li::before { content: ""; flex: none; width: 7px; height: 7px; border: 1px solid var(--brass); transform: rotate(45deg); }

/* Sample statement card */
.statement {
  position: relative;
  justify-self: end;
  width: min(100%, 27rem);
  padding: 1.6rem 1.6rem 1.35rem;
  background: var(--paper);
  color: var(--ink);
  font-size: 0.875rem;
  line-height: 1.45;
  font-variant-numeric: tabular-nums lining-nums;
  box-shadow: 0 2px 0 rgba(0, 0, 0, 0.08), 0 40px 70px -35px rgba(0, 0, 0, 0.65);
}
.statement::before { content: ""; position: absolute; inset: -9px; border: 1px solid var(--rule-brass); pointer-events: none; }
.st-top { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; padding-bottom: 0.85rem; border-bottom: 2px solid var(--forest); }
.st-title { color: var(--forest); font-size: 0.9375rem; font-weight: 600; }
.st-tag { color: var(--brass-dark); font: italic 0.875rem/1 var(--serif); }
.st-sales { display: flex; justify-content: space-between; gap: 1rem; padding: 0.7rem 0; border-bottom: 1px solid var(--line); color: var(--muted); }
.st-table { width: 100%; border-collapse: collapse; }
.st-table th, .st-table td { padding: 0.5rem 0; border-bottom: 1px solid var(--line); font-weight: 400; text-align: left; vertical-align: top; }
.st-table td:nth-child(2) { padding-inline: 0.75rem; color: var(--muted); text-align: right; white-space: nowrap; }
.st-table td:last-child { text-align: right; white-space: nowrap; }
.st-table tbody.flag td { background: var(--flag); }
.st-table tbody.flag td:first-child { padding-left: 0.75rem; box-shadow: inset 3px 0 0 var(--brass); }
.st-table tbody.flag td:last-child { padding-right: 0.5rem; }
.st-table tbody.flag tr:not(:last-child) td { border-bottom-color: transparent; }
.st-table .st-note-row td { padding-top: 0; padding-bottom: 0.6rem; text-align: left; white-space: normal; }
.st-note { color: var(--brass-dark); font: italic 0.875rem/1.4 var(--serif); }
.st-table tfoot th, .st-table tfoot td { padding-top: 0.6rem; border-bottom: 0; color: var(--forest); font-weight: 600; }
.st-table tfoot tr:first-child th, .st-table tfoot tr:first-child td { border-top: 2px solid var(--forest); }
.rv-table thead th { padding: 0.6rem 0 0.45rem; border-bottom: 1px solid var(--line); color: var(--muted); font-size: 0.75rem; font-weight: 600; text-align: right; }
.rv-table thead th:first-child { text-align: left; }
.rv-table tbody tr:not(:last-child) td { border-bottom-color: transparent; }
.rv-table tbody td { padding-top: 0.65rem; }
.rv-table tbody td:last-child { color: var(--forest); font-weight: 600; }
.rv-table .st-note-row td { padding-top: 0; }
.statement figcaption { margin-top: 1rem; color: var(--muted); font-size: 0.8125rem; }

/* ---------- Page header (inner pages) ---------- */
.page-head { position: relative; overflow: hidden; background: var(--forest); color: var(--cream); }
.page-head-inner { position: relative; padding-block: clamp(3rem, 6vw, 4.75rem) clamp(4.5rem, 7.5vw, 6.25rem); padding-left: calc(var(--margin-col) + var(--margin-gap)); }
.page-head h1 { max-width: 18ch; font-size: clamp(2.375rem, 4.6vw, 3.5rem); line-height: 1.08; letter-spacing: -0.01em; }
.page-head .lead { max-width: 38rem; margin-top: 1.25rem; color: var(--on-dark); font-size: clamp(1.125rem, 1.5vw, 1.25rem); line-height: 1.6; }

/* ---------- Ledger sections: margin column, brass rule, body ---------- */
.sec { background: var(--paper); }
.sec--tint { background: var(--tint); }
.ledger {
  display: grid;
  grid-template-columns: var(--margin-col) minmax(0, 1fr);
  column-gap: var(--margin-gap);
  padding-block: var(--sec-pad);
  background: linear-gradient(var(--rule-brass), var(--rule-brass)) no-repeat calc(var(--margin-col) + var(--margin-gap) / 2) 0 / 1px 100%;
}
.margin { text-align: right; }
.note { color: var(--brass-dark); font: italic 400 1rem/1.5 var(--serif); }
.margin .note { position: sticky; top: 2rem; }
.body { min-width: 0; }
.full { grid-column: 1 / -1; }
.sec-title { max-width: 24ch; color: var(--forest); font-size: clamp(1.875rem, 3.1vw, 2.5rem); line-height: 1.12; letter-spacing: -0.006em; }
.intro { max-width: 40rem; margin-top: 1.25rem; font-size: 1.1875rem; line-height: 1.6; }
.prose { max-width: 40rem; }
.prose p + p { margin-top: 1em; }
.sec-title + .prose { margin-top: 1.25rem; }
.more { margin-top: 2.25rem; }
.sub { margin-top: 3rem; color: var(--forest); font-size: 1.375rem; line-height: 1.25; }
.col2 { grid-column: 2; }
.body > .contact-grid:first-child { margin-top: 0; }

/* Points: short headed paragraphs in a two-column grid */
.result { display: flex; flex-wrap: wrap; align-items: baseline; gap: 0.5rem 1.25rem; margin-top: 2rem; padding: 1.75rem 0; border-block: 1px solid var(--rule-brass, rgba(122, 92, 30, 0.45)); }
.result-figure { color: var(--forest); font: 400 clamp(3rem, 7vw, 4.75rem)/1 var(--serif); letter-spacing: -0.01em; }
.result-label { max-width: 26rem; color: var(--ink, #1d2a24); font-size: 1.125rem; line-height: 1.5; }
.result-points { margin-top: 2.5rem; }
.points { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 2.75rem 3.5rem; margin-top: 3rem; padding: 0; list-style: none; }
.points > li { padding-top: 1.25rem; border-top: 1px solid rgba(122, 92, 30, 0.45); }
.points h3 { color: var(--forest); font-size: 1.375rem; line-height: 1.25; }
.points p { margin-top: 0.6rem; color: var(--muted); }
.points .ticks { margin-top: 1rem; }
.points .text-link { display: inline-block; margin-top: 1.25rem; }

/* Savings categories (home) */
.cats { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2.25rem 2.5rem; margin-top: 3rem; padding: 0; list-style: none; }
.cats > li { padding-top: 1.1rem; border-top: 1px solid rgba(122, 92, 30, 0.45); }
.cats > li:first-child { border-top: 2px solid var(--brass); }
.cats h3 { color: var(--forest); font-size: 1.25rem; line-height: 1.25; }
.cats p { margin-top: 0.5rem; color: var(--muted); font-size: 1rem; }

/* Diamond-marked lists */
.ticks { display: grid; gap: 0.55rem; margin-top: 1.25rem; padding: 0; list-style: none; }
.ticks li { position: relative; padding-left: 1.6rem; }
.ticks li::before { content: ""; position: absolute; left: 0.2rem; top: 0.62em; width: 7px; height: 7px; border: 1px solid var(--brass-dark); transform: rotate(45deg); }
.ticks.two-col { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 2.5rem; max-width: 46rem; }

/* Three-step summary (home) */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2.5rem; margin-top: 3rem; padding: 0; list-style: none; }
.steps > li { counter-increment: step; padding-top: 1.25rem; border-top: 1px solid rgba(122, 92, 30, 0.45); }
.steps > li::before { content: counter(step); display: block; margin-bottom: 0.9rem; color: var(--brass-dark); font: 400 2.5rem/1 var(--serif); }
.steps h3 { color: var(--forest); font-size: 1.3125rem; line-height: 1.25; }
.steps p { margin-top: 0.55rem; color: var(--muted); }

/* Full process (how it works): numerals sit in the margin */
.process { counter-reset: step; margin: 2.5rem 0 0; padding: 0; list-style: none; }
.process > li { counter-increment: step; display: grid; grid-template-columns: var(--margin-col) minmax(0, 1fr); column-gap: var(--margin-gap); }
.process > li::before { content: counter(step); grid-column: 1; grid-row: 1; padding-top: 1.75rem; color: var(--brass-dark); font: 400 3.25rem/1 var(--serif); text-align: right; }
.process .step { grid-column: 2; grid-row: 1; max-width: 44rem; padding-block: 2rem; border-top: 1px solid var(--line); }
.process h3 { color: var(--forest); font-size: 1.5rem; line-height: 1.25; }
.process p { margin-top: 0.6rem; color: var(--muted); }

/* Annotated statement (services): notes sit in the margin */
.annotated { margin-top: 3rem; }
.a-row { display: grid; grid-template-columns: var(--margin-col) minmax(0, 1fr); column-gap: var(--margin-gap); }
.a-line {
  grid-column: 2;
  grid-row: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto 7rem;
  align-items: baseline;
  gap: 1rem;
  max-width: 44rem;
  padding: 0.7rem 1.5rem;
  background: var(--paper);
  border-inline: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  font-variant-numeric: tabular-nums lining-nums;
}
.a-line .rate { color: var(--muted); text-align: right; white-space: nowrap; }
.a-line .amt { text-align: right; white-space: nowrap; }
.a-note { grid-column: 1; grid-row: 1; padding-top: 0.55rem; text-align: right; }
.a-note .note { position: relative; font-size: 0.9375rem; line-height: 1.4; }
.a-note .note::after { content: ""; position: absolute; top: 0.75em; right: calc(-1 * var(--margin-gap)); width: calc(var(--margin-gap) - 0.75rem); height: 1px; background: var(--brass); }
.a-row.head .a-line { grid-template-columns: minmax(0, 1fr) auto; padding-block: 1.1rem 0.9rem; border-top: 1px solid var(--line); border-bottom: 2px solid var(--forest); }
.a-row.head .title { color: var(--forest); font-weight: 600; }
.a-row.head .tag { color: var(--brass-dark); font: italic 0.9375rem/1 var(--serif); }
.a-row.sales .a-line { color: var(--muted); }
.a-row.flag .a-line { background: var(--flag); box-shadow: inset 3px 0 0 var(--brass); }
.a-row.total .a-line { color: var(--forest); font-weight: 600; }
.a-row.total.first .a-line { border-top: 1px solid var(--forest); }
.a-row.last .a-line { padding-bottom: 1rem; }
.annotated + .prose { margin-top: 2.25rem; }

/* Cost layers table */
.costs { width: 100%; max-width: 48rem; margin-top: 2.25rem; border-collapse: collapse; font-size: 1rem; }
.costs th, .costs td { padding: 0.95rem 1.25rem 0.95rem 0; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.costs thead th { padding-block: 0.6rem; border-bottom: 2px solid var(--forest); color: var(--muted); font-size: 0.875rem; font-weight: 600; }
.costs tbody th { width: 30%; color: var(--forest); font-weight: 600; }
.costs tr.hl th, .costs tr.hl td { background: var(--flag); }
.costs tr.hl th { padding-left: 1rem; box-shadow: inset 3px 0 0 var(--brass); }

/* Questions */
.faq { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 2.5rem 3.5rem; margin-top: 2.75rem; }
.faq > div { padding-top: 1.1rem; border-top: 1px solid rgba(122, 92, 30, 0.45); }
.faq dt { color: var(--forest); font: 400 1.25rem/1.3 var(--serif); }
.faq dd { margin-top: 0.55rem; color: var(--muted); }

.faq > div.wide { grid-column: 1 / -1; }
.faq .wide dd { max-width: 46rem; }
.faq dd p + p { margin-top: 0.8em; }

/* Hallmark illustration in the margin */
.mark-lg { width: 10rem; height: auto; margin-left: auto; }

/* ---------- Call to action band ---------- */
.band { position: relative; overflow: hidden; background: var(--forest); color: var(--cream); }
.band-inner { position: relative; display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 0.8fr); align-items: center; gap: 2rem 4rem; padding-block: clamp(3.5rem, 7vw, 5.5rem); }
.band h2 { font-size: clamp(2rem, 3.6vw, 2.875rem); line-height: 1.1; }
.band p { max-width: 34rem; margin-top: 1rem; color: var(--on-dark); font-size: 1.125rem; }
.band-actions { display: grid; justify-items: start; gap: 1.1rem; }
.band-actions p { margin: 0; font-size: 0.9375rem; }
.band-actions a:not(.btn) { color: var(--cream); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: minmax(0, 1fr) 15rem; align-items: start; gap: 3.5rem; margin-top: 2.5rem; }
.form { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.4rem 1.5rem; }
.field { display: grid; align-content: start; gap: 0.45rem; }
.field--full { grid-column: 1 / -1; }
.field label { color: var(--ink); font-size: 0.9375rem; font-weight: 600; }
.opt { color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea {
  width: 100%;
  min-height: 3rem;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--field);
  border-radius: 0;
  background: var(--paper);
  color: var(--ink);
  font: inherit;
  font-size: 1rem;
}
.field select { appearance: none; -webkit-appearance: none; padding-right: 2.5rem; background: var(--paper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23163F30' stroke-width='1.6'/%3E%3C/svg%3E") no-repeat right 0.9rem center; }
.field textarea { min-height: 8rem; resize: vertical; }
.field input:focus-visible, .field select:focus-visible, .field textarea:focus-visible { border-color: var(--forest); outline-offset: 1px; }
.checks { grid-column: 1 / -1; min-width: 0; margin: 0; padding: 0; border: 0; }
.checks legend { margin-bottom: 0.7rem; padding: 0; color: var(--ink); font-size: 0.9375rem; font-weight: 600; }
.check-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0.6rem 1.5rem; }
.check { display: flex; align-items: center; gap: 0.65rem; font-size: 0.9375rem; cursor: pointer; }
.check input { flex: none; width: 1.15rem; height: 1.15rem; margin: 0; accent-color: var(--forest); }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-foot { grid-column: 1 / -1; display: flex; flex-wrap: wrap; align-items: center; gap: 1rem 1.5rem; margin-top: 0.25rem; }
.form-note { color: var(--muted); font-size: 0.875rem; }
.form-status { grid-column: 1 / -1; padding: 1rem 1.25rem; background: var(--flag); box-shadow: inset 3px 0 0 var(--brass); }
.form-status:focus { outline: none; }
.direct { display: grid; gap: 1.5rem; padding-top: 1.25rem; border-top: 1px solid rgba(122, 92, 30, 0.45); }
.direct h2 { color: var(--forest); font-size: 1.25rem; }
.direct p { margin-top: 0.35rem; }
.direct .big { color: var(--forest); font-size: 1.125rem; font-weight: 600; font-variant-numeric: tabular-nums; }
.direct .small { color: var(--muted); font-size: 0.875rem; }

/* ---------- Legal ---------- */
.toc { position: sticky; top: 2rem; display: grid; justify-items: end; gap: 0.6rem; font-size: 0.9375rem; }
.toc a { color: var(--forest); text-decoration: none; }
.toc a:hover { text-decoration: underline; text-decoration-color: var(--brass); }
.legal { max-width: 44rem; }
.legal h2 { color: var(--forest); font-size: 1.875rem; line-height: 1.2; scroll-margin-top: 1.5rem; }
.legal h2:not(:first-child) { margin-top: 3.5rem; padding-top: 2.5rem; border-top: 1px solid var(--line); }
.legal h3 { margin-top: 1.75rem; color: var(--ink); font: 600 1.0625rem/1.4 var(--sans); }
.legal p, .legal ul { margin-top: 0.75rem; }
.legal ul { padding-left: 1.2rem; }
.legal li + li { margin-top: 0.35rem; }
.details { display: grid; grid-template-columns: 11rem minmax(0, 1fr); margin-top: 1.25rem; border-top: 1px solid var(--line); }
.details dt, .details dd { padding: 0.8rem 0; border-bottom: 1px solid var(--line); }
.details dt { color: var(--muted); font-size: 0.9375rem; font-weight: 600; }
.updated { margin-top: 3rem; color: var(--muted); font-size: 0.875rem; }

/* ---------- Simple pages (thanks, 404) ---------- */
.simple-links { display: flex; flex-wrap: wrap; gap: 0.75rem 1.75rem; margin-top: 1.75rem; padding: 0; list-style: none; }

/* ---------- Footer ---------- */
.site-footer { background: var(--forest-deep); color: var(--on-dark); font-size: 0.9375rem; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.6fr) repeat(3, minmax(0, 1fr)); gap: 2.5rem; padding-block: 4rem 3rem; }
.f-brand .brand { margin-bottom: 1.1rem; }
.f-about { max-width: 22rem; color: var(--on-dark-soft); }
.f-label { margin-bottom: 0.9rem; color: var(--brass); font-size: 0.875rem; font-weight: 600; }
.f-list { display: grid; gap: 0.55rem; padding: 0; list-style: none; }
.f-list a { color: var(--cream); text-decoration: none; }
.f-list a:hover { text-decoration: underline; text-decoration-color: var(--brass); }
.f-hours { color: var(--on-dark-soft); font-size: 0.875rem; }
.footer-base { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.5rem 2rem; padding-block: 1.5rem 2rem; border-top: 1px solid rgba(201, 161, 74, 0.22); color: var(--on-dark-soft); font-size: 0.8125rem; }

/* ---------- Responsive ---------- */
@media (max-width: 68rem) {
  :root { --margin-col: 12rem; --margin-gap: 3rem; }
  .nav-phone { display: none; }
  .site-nav ul { gap: 1.5rem; }
}

@media (max-width: 60rem) {
  .hero-inner { grid-template-columns: minmax(0, 1fr); }
  .statement { justify-self: stretch; width: auto; max-width: 30rem; margin: 0.5rem 9px 0; }
  .band-inner { grid-template-columns: minmax(0, 1fr); }
  .cats { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .f-brand { grid-column: 1 / -1; }
  .contact-grid { grid-template-columns: minmax(0, 1fr); gap: 2.5rem; }
  .direct { order: -1; grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (max-width: 56rem) {
  .header-inner { flex-wrap: wrap; padding-block: 0.75rem; }
  .site-nav ul { flex-wrap: wrap; gap: 0.25rem 1.25rem; }
  html.js .header-inner { flex-wrap: nowrap; padding-block: 0; }
  html.js .menu-toggle {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    min-height: 2.75rem;
    padding: 0.5rem 0.9rem;
    border: 1px solid rgba(201, 161, 74, 0.55);
    background: transparent;
    color: var(--cream);
    font: 600 0.875rem/1 var(--sans);
    cursor: pointer;
  }
  .menu-toggle .bars { position: relative; width: 18px; height: 10px; border-block: 1.5px solid currentColor; }
  html.js .site-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; padding: 0.25rem var(--gutter) 1.75rem; background: var(--forest-deep); box-shadow: 0 24px 40px -24px rgba(0, 0, 0, 0.5); }
  html.js .site-nav.is-open { display: block; }
  html.js .site-nav ul { flex-direction: column; flex-wrap: nowrap; align-items: stretch; gap: 0; }
  html.js .site-nav li { border-bottom: 1px solid rgba(244, 239, 228, 0.1); }
  html.js .site-nav a:not(.btn) { display: block; padding: 1rem 0; background: none; font-size: 1.0625rem; }
  html.js .site-nav a:not(.btn)[aria-current="page"] { color: var(--brass); }
  html.js .site-nav .nav-phone { display: block; }
  html.js .site-nav .nav-cta { padding-top: 1.25rem; border-bottom: 0; }
  html.js .site-nav .nav-cta .btn { width: 100%; min-height: 3rem; font-size: 0.9375rem; }
}

@media (max-width: 52rem) {
  .ledger { grid-template-columns: minmax(0, 1fr); background: none; }
  .ledger > .margin { order: 1; text-align: left; }
  .ledger > .margin:not(:empty) { margin-top: 2.25rem; }
  .ledger > .margin:empty { display: none; }
  .ledger > .margin.first { order: -1; margin: 0 0 2rem; }
  .ledger > .margin:not(.first) { display: none; }
  .margin .note { position: static; padding-left: 0.9rem; border-left: 2px solid var(--brass); }
  .mark-lg { width: 7.5rem; margin-left: 0; }
  .col2 { grid-column: 1; }
  .page-head-inner { padding-left: 0; }
  .process > li { grid-template-columns: minmax(0, 1fr); }
  .process > li::before { padding-top: 1.75rem; font-size: 2.5rem; text-align: left; }
  .process > li .step { grid-column: 1; grid-row: 2; padding-top: 0.75rem; border-top: 0; }
  .process > li + li::before { border-top: 1px solid var(--line); }
  .a-row { grid-template-columns: minmax(0, 1fr); }
  .a-line { grid-column: 1; padding-inline: 1rem; }
  .a-note { grid-column: 1; grid-row: 2; padding: 0 1rem 0.75rem 1rem; text-align: left; background: var(--paper); border-inline: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .a-row.flag .a-note { background: var(--flag); box-shadow: inset 3px 0 0 var(--brass); }
  .a-row:has(.a-note) .a-line { border-bottom-color: transparent; }
  .a-note .note::after { display: none; }
  .toc { position: static; justify-items: start; }
}

@media (max-width: 40rem) {
  :root { --sec-pad: 3.75rem; }
  .brand svg { width: 46px; height: 26px; }
  .brand { gap: 0.6rem; }
  .wordmark { font-size: 0.8rem; letter-spacing: 0.12em; }
  .points, .steps, .faq, .ticks.two-col, .form, .cats, .check-grid { grid-template-columns: minmax(0, 1fr); }
  .points, .steps { gap: 2rem; }
  .hero-actions .btn { width: 100%; }
  .a-line { grid-template-columns: minmax(0, 1fr) auto; row-gap: 0.15rem; }
  .statement { padding: 1.25rem 1.1rem 1.1rem; font-size: 0.8125rem; }
  .st-table td:nth-child(2) { padding-inline: 0.5rem; }
  .a-line .rate { grid-column: 1; grid-row: 2; text-align: left; font-size: 0.875rem; }
  .a-line .amt { grid-column: 2; grid-row: 1; }
  .a-row.head .a-line { grid-template-columns: minmax(0, 1fr) auto; }
  .costs thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .costs tr { display: block; padding: 0.9rem 0; border-bottom: 1px solid var(--line); }
  .costs th, .costs td { display: block; width: auto; padding: 0.1rem 0; border: 0; }
  .costs td::before { content: attr(data-label) ": "; color: var(--muted); font-weight: 600; }
  .costs tr.hl { padding-left: 1rem; background: var(--flag); box-shadow: inset 3px 0 0 var(--brass); }
  .costs tr.hl th { padding-left: 0; box-shadow: none; }
  .direct { grid-template-columns: minmax(0, 1fr); }
  .details { grid-template-columns: minmax(0, 1fr); }
  .details dt { padding-bottom: 0; border-bottom: 0; }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}

/* additions 9 Nov: lead item spans the grid, full-width 'look at everything' option */
.points > li.lead-item { grid-column: 1 / -1; }
.check-grid .check--all { grid-column: 1 / -1; }
.intro.after-list { margin-top: 2rem; }