@font-face{font-family:"Plus Jakarta Sans";src:url(/assets/fonts/PlusJakartaSans.woff2) format("woff2");font-weight:400 800;font-style:normal;font-display:swap}
:root{
--navy:#0F2747;--ink:#1F2A37;--muted:#536173;--red:#C8202F;--red-dark:#A3162A;--teal:#0B6B70;--teal-tint:#E3F1F1;--blue:#2F5DA8;
--cream:#FBF6EE;--mist:#EEF3F8;--line:#D9E1EA;--gold:#F2B33D;--ok:#1E7A46;--ok-tint:#E6F4EC;--warn:#9A5B00;--warn-tint:#FDF3E1;--white:#fff;
--wrap:1200px;--r:16px;--r-sm:10px;
--shadow-1:0 1px 2px rgba(15,39,71,.06),0 2px 8px rgba(15,39,71,.06);--shadow-2:0 12px 40px rgba(15,39,71,.14);
--font:"Plus Jakarta Sans",system-ui,"Segoe UI",Roboto,Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.7;color:var(--ink);background:#fff;font-feature-settings:"ss01"}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(2rem,1.4rem + 2.4vw,3.1rem);line-height:1.1;letter-spacing:-.02em}
h2{font-size:clamp(1.5rem,1.2rem + 1.1vw,2rem)}
h3{font-size:1.2rem;font-weight:700;line-height:1.3}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.25em 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:12px;top:12px}
.label{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.kicker{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.lede{font-size:1.18rem;color:var(--muted);max-width:60ch}
.micro{font-size:.78rem;color:var(--muted);line-height:1.5}
.num,.tnum{font-variant-numeric:tabular-nums}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ticker */
.ticker{background:var(--navy);color:#cfd9e6;font-size:.84rem}
.ticker .wrap{display:flex;gap:22px;align-items:center;overflow-x:auto;white-space:nowrap;padding-top:8px;padding-bottom:8px;scrollbar-width:none}
.ticker .wrap::-webkit-scrollbar{display:none}
.ticker a{color:#cfd9e6;text-decoration:none}
.ticker a:hover{color:#fff}
.ticker b{color:var(--gold);font-weight:700}
.ticker .sep{width:1px;height:14px;background:#33496b;flex:none}
.ticker .note-t{margin-left:auto;color:#9fb0c6;font-size:.76rem}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;gap:28px;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;flex:none}
.brand svg{width:38px;height:38px}
.brand span{white-space:nowrap;font-weight:800;font-size:1.22rem;color:var(--navy);letter-spacing:-.02em;line-height:1}
.brand span i{font-style:normal;color:var(--teal)}
.nav{display:flex;gap:4px;align-items:center;flex:1}
.nav>div{position:relative}
.nav-btn{white-space:nowrap;background:none;border:0;font:inherit;font-size:.95rem;font-weight:600;color:var(--navy);padding:10px 12px;border-radius:8px;cursor:pointer;display:flex;align-items:center;gap:6px}
.nav-btn:hover,.nav>div.open .nav-btn{background:var(--mist)}
.nav-btn svg{width:14px;height:14px;transition:transform .15s}
.nav>div.open .nav-btn svg{transform:rotate(180deg)}
.menu{position:absolute;top:calc(100% + 8px);left:0;min-width:320px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-2);padding:10px;display:none}
.menu.wide{min-width:560px;display:none;grid-template-columns:1fr 1fr;gap:2px}
.nav>div.open .menu{display:block}
.nav>div.open .menu.wide{display:grid}
.menu a{display:block;padding:9px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-size:.92rem;line-height:1.35}
.menu a:hover,.menu a:focus-visible{background:var(--mist);color:var(--navy)}
.menu a.hub{font-weight:700;color:var(--navy)}
.header-cta{display:flex;align-items:center;gap:10px;flex:none}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px;cursor:pointer}
.menu-toggle svg{width:24px;height:24px;display:block}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:700;font-size:.98rem;line-height:1;padding:14px 24px;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,transform .15s,box-shadow .15s,color .15s}
.btn-primary{background:var(--red);color:#fff}
.btn-primary:hover{background:var(--red-dark);color:#fff;transform:translateY(-1px);box-shadow:0 6px 16px rgba(200,32,47,.25)}
.btn-primary:active{transform:none;box-shadow:none}
.btn-outline{background:#fff;color:var(--blue);border-color:var(--blue)}
.btn-outline:hover{background:var(--blue);color:#fff}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn-sm{padding:10px 16px;font-size:.88rem}
.btn[disabled]{opacity:.55;cursor:not-allowed;transform:none;box-shadow:none}
.btn svg{width:18px;height:18px}

/* breadcrumbs */
.crumbs{font-size:.84rem;color:var(--muted);padding:14px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:#9aa7b6}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--teal);text-decoration:underline}

/* hero (content pages) */
.page-hero{background:linear-gradient(180deg,#fff 0,var(--cream) 100%);border-bottom:1px solid #F0E7D8}
.page-hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding-top:32px;padding-bottom:56px}
.page-hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero-photo{margin:0}
.hero-photo img{border-radius:var(--r);box-shadow:var(--shadow-2);aspect-ratio:3/2;object-fit:cover;width:100%}
.hero-photo figcaption{font-size:.74rem;color:var(--muted);margin-top:8px;text-align:right}
.hero-photo figcaption a{color:var(--muted)}

/* home hero */
.home-hero{background:var(--cream);overflow:hidden}
.home-hero .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;padding-top:56px;padding-bottom:72px}
.home-hero h1{font-size:clamp(2.2rem,1.4rem + 3vw,3.5rem)}
.starter{background:#fff;border-radius:var(--r);box-shadow:var(--shadow-2);padding:22px;margin-top:26px;max-width:520px}
.seg{display:flex;background:var(--mist);border-radius:999px;padding:4px;gap:4px;margin-bottom:16px}
.seg label{flex:1;position:relative}
.seg input{position:absolute;opacity:0;inset:0;cursor:pointer}
.seg span{display:block;text-align:center;padding:10px 8px;border-radius:999px;font-weight:700;font-size:.95rem;color:var(--navy);cursor:pointer;transition:background .15s,color .15s}
.seg input:checked+span{background:var(--blue);color:#fff}
.seg input:focus-visible+span{outline:3px solid var(--teal);outline-offset:2px}
.starter .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hero-visual{position:relative}
.hero-visual img{border-radius:24px;aspect-ratio:4/5;object-fit:cover;width:100%;max-height:600px}
.rate-card{position:absolute;left:-36px;bottom:36px;background:#fff;border-radius:var(--r);box-shadow:var(--shadow-2);padding:18px 20px;width:290px}
.rate-card .big{font-size:2.6rem;font-weight:800;color:var(--navy);line-height:1;font-variant-numeric:tabular-nums;margin:6px 0 4px}
.rate-card ul{list-style:none;padding:0;margin:12px 0 8px;border-top:1px solid var(--line)}
.rate-card li{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid var(--line);font-size:.9rem;margin:0}
.rate-card li b{font-variant-numeric:tabular-nums;color:var(--navy)}
.photo-credit{font-size:.72rem;color:var(--muted);margin-top:6px;text-align:right}
.photo-credit a{color:var(--muted)}

/* sections */
.band{padding:72px 0}
.band.mist{background:var(--mist)}
.band.cream{background:var(--cream)}
.band.navy{background:var(--navy);color:#dbe4ef}
.band.navy h2,.band.navy h3{color:#fff}
.band.navy a{color:#9fe0e0}
.sec-head{max-width:760px;margin-bottom:32px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow-1);display:flex;flex-direction:column}
.card h3{margin-top:4px}
.card p{color:var(--muted);font-size:.97rem}
.card .more{margin-top:auto;font-weight:700;text-decoration:none}
.card .more::after{content:" →"}
a.card{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s,box-shadow .15s}
a.card:hover{border-color:var(--blue);transform:translateY(-2px);box-shadow:var(--shadow-2)}
.icon{width:44px;height:44px;border-radius:12px;background:var(--teal-tint);color:var(--teal);display:grid;place-items:center;margin-bottom:12px}
.icon svg{width:24px;height:24px}
.card-photo{margin:-24px -24px 16px;border-radius:var(--r) var(--r) 0 0;overflow:hidden;aspect-ratio:3/2}
.card-photo img{width:100%;height:100%;object-fit:cover}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;background:var(--mist);color:var(--blue);border-radius:999px;padding:4px 10px;margin-bottom:8px}

/* steps (process) */
.process{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.process>div{background:#fff;border-radius:var(--r);box-shadow:var(--shadow-1);border:1px solid var(--line);overflow:hidden}
.process>div h3{background:var(--blue);color:#fff;margin:0;padding:22px 22px 18px;font-size:1.1rem}
.process>div h3::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:38px;height:38px;border:2px solid #fff;border-radius:50%;margin-bottom:10px;font-size:1.05rem}
.process>div p{padding:18px 22px 6px;color:var(--muted);font-size:.96rem}

/* article layout */
.article{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding-top:48px;padding-bottom:24px}
.prose{max-width:780px;min-width:0}
.prose>section{margin-bottom:44px}
.prose h2{margin-top:0;scroll-margin-top:96px}
.prose h3{margin-top:1.4em}
.prose p,.prose li{max-width:72ch}
.rail{position:relative}
.rail-inner{position:sticky;top:96px;display:flex;flex-direction:column;gap:18px}
.toc{border-left:3px solid var(--line);padding:4px 0 4px 16px}
.toc p{margin:0 0 8px}
.toc ol{list-style:none;padding:0;margin:0}
.toc li{margin:0}
.toc a{display:block;color:var(--muted);text-decoration:none;font-size:.9rem;padding:5px 0;line-height:1.35}
.toc a:hover,.toc a.active{color:var(--navy)}
.toc a.active{font-weight:700}
.rail-card{background:var(--navy);color:#dbe4ef;border-radius:var(--r);padding:22px}
.rail-card h3{color:#fff;font-size:1.05rem}
.rail-card p{font-size:.92rem}
.rail-card .btn{width:100%}

/* content components */
.keyfacts{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin:0 0 28px;padding:0}
.keyfacts>div{background:var(--mist);border-radius:12px;padding:14px 16px}
.keyfacts dt{font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);line-height:1.3}
.keyfacts dd{margin:4px 0 0;font-size:1.45rem;font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums;line-height:1.2}
.note{border-left:4px solid var(--teal);background:var(--teal-tint);border-radius:0 12px 12px 0;padding:16px 20px;margin:24px 0}
.note p:last-child{margin-bottom:0}
.note.warn{border-color:#D08A1B;background:var(--warn-tint)}
.example{background:var(--cream);border:1px solid #EFE3CF;border-radius:var(--r);padding:24px;margin:28px 0}
.example h3{margin-top:0}
.example h3::before{content:"Worked example";display:block;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--warn);margin-bottom:6px}
.steps{list-style:none;counter-reset:st;padding:0}
.steps>li{counter-increment:st;position:relative;padding:2px 0 14px 52px;margin:0}
.steps>li::before{content:counter(st);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:grid;place-items:center;font-size:.95rem}
.table-wrap{overflow-x:auto;margin:20px 0 28px;border:1px solid var(--line);border-radius:12px;-webkit-overflow-scrolling:touch}
table.data{width:100%;border-collapse:collapse;font-size:.94rem;min-width:520px}
table.data caption{caption-side:top;text-align:left;font-weight:700;color:var(--navy);padding:14px 16px 10px;font-size:.98rem}
table.data th,table.data td{padding:11px 16px;text-align:left;border-top:1px solid var(--line);vertical-align:top;line-height:1.45}
table.data thead th{background:var(--navy);color:#fff;font-weight:700;font-size:.82rem;letter-spacing:.02em;border-top:0}
table.data tbody tr:nth-child(even){background:#F7F9FC}
table.data td.num,table.data th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
table.data tr.total td{font-weight:800;color:var(--navy);background:var(--mist)}
.faq details{border:1px solid var(--line);border-radius:12px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:16px 48px 16px 18px;font-weight:700;color:var(--navy);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.4rem;color:var(--teal);font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq details>div{padding:0 18px 6px}

/* rate board */
.rates-board td.num b{font-size:1.05rem;color:var(--navy)}
.rates-board .tier{font-weight:700;color:var(--navy)}
.rates-board .tier small{display:block;font-weight:400;color:var(--muted);font-size:.8rem}

/* calculators */
.calc-band{background:var(--mist);padding:40px 0;margin:8px 0 40px}
.calc{background:#fff;border-radius:var(--r);box-shadow:var(--shadow-2);display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);overflow:hidden}
.calc-head{grid-column:1/-1;padding:22px 28px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.calc-head h2{font-size:1.35rem;margin:0}
.calc-in{padding:24px 28px;display:grid;grid-template-columns:1fr 1fr;gap:16px 18px;align-content:start}
.calc-out{padding:24px 28px;background:#FAFBFD;border-left:1px solid var(--line)}
.field{display:flex;flex-direction:column;gap:6px;min-width:0}
.field.full{grid-column:1/-1}
.field>label,.field>.flabel{font-size:.86rem;font-weight:700;color:var(--navy)}
.field .hint{font-size:.78rem;color:var(--muted);line-height:1.4}
.field .err{font-size:.8rem;color:var(--red);display:none}
.field.invalid .err{display:block}
.field.invalid input,.field.invalid select{border-color:var(--red)}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1.5px solid #C3CFDC;border-radius:var(--r-sm);padding:11px 12px;width:100%;transition:border-color .15s,box-shadow .15s}
input:hover,select:hover,textarea:hover{border-color:var(--blue)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(11,107,112,.18)}
textarea{min-height:110px;resize:vertical}
.money{position:relative}
.money::before{content:"$";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.money input{padding-left:26px}
.pct{position:relative}
.pct::after{content:"%";position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.pct input{padding-right:28px}
.twin{display:grid;grid-template-columns:1.6fr 1fr;gap:8px}
input[type=range]{width:100%;accent-color:var(--blue);margin:4px 0 0}
.toggles{display:flex;flex-wrap:wrap;gap:10px}
.switch{display:inline-flex;align-items:center;gap:10px;font-size:.9rem;font-weight:600;color:var(--navy);cursor:pointer;background:var(--mist);border-radius:999px;padding:8px 14px 8px 8px}
.switch input{appearance:none;width:36px;height:20px;background:#B7C3D0;border-radius:999px;position:relative;margin:0;cursor:pointer;transition:background .15s;flex:none}
.switch input::after{content:"";position:absolute;top:2px;left:2px;width:16px;height:16px;border-radius:50%;background:#fff;transition:left .15s}
.switch input:checked{background:var(--teal)}
.switch input:checked::after{left:18px}
.result-main{border-bottom:1px solid var(--line);padding-bottom:16px;margin-bottom:12px}
.result-main .big{font-size:clamp(2.2rem,1.6rem + 2vw,3rem);font-weight:800;color:var(--navy);line-height:1.05;font-variant-numeric:tabular-nums;transition:opacity .15s}
.result-main .sub{color:var(--muted);font-size:.9rem}
.lines{margin:0;padding:0}
.lines>div{display:flex;justify-content:space-between;gap:12px;padding:7px 0;border-bottom:1px dashed var(--line);font-size:.93rem}
.lines dt{color:var(--ink)}
.lines dd{margin:0;font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums;white-space:nowrap}
.lines>div.total{border-bottom:0;border-top:2px solid var(--navy);margin-top:4px;padding-top:10px}
.lines>div.total dt,.lines>div.total dd{font-weight:800;color:var(--navy)}
.lines>div.good dd{color:var(--ok)}
.lines>div.bad dd{color:var(--red)}
.out-h{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:18px 0 4px}
.stack{display:flex;height:14px;border-radius:999px;overflow:hidden;background:var(--line);margin:10px 0 6px}
.stack span{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:10px 14px;font-size:.78rem;color:var(--muted);margin:0;padding:0;list-style:none}
.legend li{margin:0;display:flex;align-items:center;gap:6px}
.legend i{width:10px;height:10px;border-radius:3px;display:inline-block}
.meter{height:12px;background:linear-gradient(90deg,#CFE8DA 0 70%,#FBE7C4 70% 86%,#F6D0D4 86%);border-radius:999px;position:relative;margin:10px 0 4px}
.meter b{position:absolute;top:-5px;width:4px;height:22px;background:var(--navy);border-radius:2px;transform:translateX(-50%);transition:left .2s}
.meter-scale{display:flex;justify-content:space-between;font-size:.72rem;color:var(--muted)}
.calc-actions{grid-column:1/-1;display:flex;flex-wrap:wrap;gap:10px;align-items:center;padding:18px 28px;border-top:1px solid var(--line);background:#fff}
.calc-actions .micro{margin-left:auto;max-width:380px}
.alert{border-radius:10px;padding:10px 14px;font-size:.88rem;margin:10px 0;background:var(--warn-tint);color:#6b3f00}
.alert.ok{background:var(--ok-tint);color:#14532d}

/* enquiry form */
.lead-band{background:var(--navy);padding:64px 0;color:#dbe4ef}
.lead-band h2{color:#fff}
.lead-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
.lead-points{list-style:none;padding:0;margin:20px 0}
.lead-points li{display:flex;gap:10px;align-items:flex-start;margin:10px 0}
.lead-points svg{width:20px;height:20px;color:var(--gold);flex:none;margin-top:4px}
.lead-form{background:#fff;color:var(--ink);border-radius:var(--r);padding:28px;box-shadow:var(--shadow-2);display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.lead-form .full{grid-column:1/-1}
.lead-form .prefill{grid-column:1/-1;background:var(--teal-tint);border-radius:10px;padding:10px 14px;font-size:.86rem;color:#0b4f53;display:none}
.lead-form .prefill.on{display:block}
.trap{position:absolute!important;left:-10000px!important;top:auto;width:1px;height:1px;overflow:hidden}
.form-foot{grid-column:1/-1;display:flex;flex-wrap:wrap;align-items:center;gap:14px}
.form-foot .micro{flex:1;min-width:220px}
.form-status{grid-column:1/-1;display:none}
.form-status.on{display:block}
.form-success{background:#fff;color:var(--ink);border-radius:var(--r);padding:32px;box-shadow:var(--shadow-2)}
.form-success h3{color:var(--ok)}
.spinner{width:16px;height:16px;border:2px solid rgba(255,255,255,.5);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite;display:none}
.sending .spinner{display:inline-block}
@keyframes spin{to{transform:rotate(360deg)}}

/* related */
.related{padding:24px 0 64px}
.related .grid{grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.related a.card h3{font-size:1.02rem}
.related a.card p{font-size:.9rem;margin:0}

/* footer */
.site-footer{background:#0A1C34;color:#a9b8cb;font-size:.9rem;padding:56px 0 28px}
.site-footer a{color:#cdd8e6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.foot-top{display:grid;grid-template-columns:1.3fr repeat(5,1fr);gap:28px}
.foot-top h3{color:#fff;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px}
.foot-top ul{list-style:none;padding:0;margin:0}
.foot-top li{margin:0 0 7px;line-height:1.35}
.foot-brand .brand span{color:#fff}
.foot-brand p{margin-top:14px}
.foot-legal{border-top:1px solid #1E3352;margin-top:40px;padding-top:22px;font-size:.8rem;line-height:1.6;color:#8b9db3}

/* municipality explorer */
.towns td:first-child a{font-weight:700}

/* print worksheet */
.print-sheet{display:none}
@media print{
  body.printing>*:not(.print-sheet){display:none!important}
  body.printing .print-sheet{display:block!important;font-size:11pt;color:#000}
  .print-sheet h1{font-size:18pt;margin:0 0 4pt}
  .print-sheet table{width:100%;border-collapse:collapse;margin:8pt 0}
  .print-sheet td,.print-sheet th{border-bottom:1px solid #999;padding:4pt 6pt;text-align:left}
  .print-sheet td.num{text-align:right}
  .print-sheet .ps-head{display:flex;justify-content:space-between;border-bottom:2pt solid #0F2747;padding-bottom:6pt;margin-bottom:10pt}
  .ticker,.site-header,.lead-band,.site-footer,.rail,.calc-actions{display:none!important}
  @page{margin:16mm}
}

/* responsive */
@media (max-width:1080px){
  .article{grid-template-columns:1fr}
  .rail{display:none}
  .foot-top{grid-template-columns:repeat(3,1fr)}
  .nav-btn{padding:10px 8px;font-size:.9rem}
}
@media (max-width:960px){
  .menu-toggle{display:block}
  .nav{display:none;position:fixed;inset:72px 0 0 0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 40px;overflow-y:auto;gap:0}
  .nav.open{display:flex}
  .nav>div{border-bottom:1px solid var(--line)}
  .nav-btn{width:100%;justify-content:space-between;padding:16px 4px;font-size:1.05rem}
  .menu,.menu.wide{position:static;box-shadow:none;border:0;min-width:0;padding:0 0 12px}
  .nav>div.open .menu.wide{grid-template-columns:1fr}
  .header-cta .btn{padding:10px 14px;font-size:.85rem}
  .site-header .wrap{gap:12px}
  .nav-spacer{display:none}
}
@media (max-width:860px){
  .page-hero .wrap,.home-hero .wrap,.lead-grid{grid-template-columns:1fr}
  .home-hero .wrap{padding-top:32px}
  .hero-visual img{aspect-ratio:3/2}
  .rate-card{position:relative;left:auto;bottom:auto;width:auto;margin:-48px 16px 0}
  .calc{grid-template-columns:1fr}
  .calc-out{border-left:0;border-top:1px solid var(--line)}
  .g3,.g4,.process{grid-template-columns:1fr 1fr}
  .band{padding:48px 0}
}
@media (max-width:600px){
  body{font-size:1rem}
  .g2,.g3,.g4,.process{grid-template-columns:1fr}
  .calc-in,.lead-form{grid-template-columns:1fr}
  .calc-in,.calc-out,.calc-head,.calc-actions{padding-left:18px;padding-right:18px}
  .starter .row{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr 1fr}
  .foot-brand{grid-column:1/-1}
  .header-cta .btn span.long{display:none}
  .brand span{font-size:1.05rem}
  .calc-actions .micro{margin-left:0}
}