:root {
    --bg: #F1F4F1;
    --surface: #FFFFFF;
    --ink: #0D1F1A;
    --muted: #4A5D56;
    --line: #CBD5CF;
    --accent: #F5B31B;
    --accent-ink: #1B1500;
    --mark: #F8D778;
    --ok: #17684A;
    --err: #A3311F;
    --display: "Bricolage Grotesque", "Avenir Next", "Segoe UI", system-ui, sans-serif;
    --body: "Figtree", "Segoe UI", system-ui, -apple-system, sans-serif;
    --mono: "JetBrains Mono", ui-monospace, "SF Mono", Menlo, Consolas, monospace;
    color-scheme: light;
  }
  @media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
      --bg: #0B1512;
      --surface: #12211C;
      --ink: #EAF1ED;
      --muted: #9BB0A7;
      --line: #263A33;
      --mark: #6B5410;
      --ok: #5FD1A0;
      --err: #FF9C8A;
      color-scheme: dark;
    }
  }
  :root[data-theme="dark"] {
    --bg: #0B1512;
    --surface: #12211C;
    --ink: #EAF1ED;
    --muted: #9BB0A7;
    --line: #263A33;
    --mark: #6B5410;
    --ok: #5FD1A0;
    --err: #FF9C8A;
    color-scheme: dark;
  }

  * { box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  body {
    margin: 0;
    background: var(--bg);
    color: var(--ink);
    font-family: var(--body);
    font-size: 17px;
    line-height: 1.6;
    padding-inline: 20px;
    padding-block: 0 32px;
  }
  .wrap { max-width: 1080px; margin-inline: auto; }
  a { color: inherit; }
  :focus-visible { outline: 2px solid var(--ink); outline-offset: 3px; border-radius: 3px; }

  .top { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 22px; }
  .brand { font-family: var(--display); font-weight: 700; font-size: 22px; letter-spacing: -0.01em; text-decoration: none; display: flex; align-items: center; gap: 10px; }
  .brand-dot { width: 12px; height: 12px; background: var(--accent); border-radius: 50%; box-shadow: 0 0 0 3px var(--bg), 0 0 0 4.5px var(--ink); }
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 600 16px/1 var(--body); padding: 14px 22px; border-radius: 999px; border: 0; cursor: pointer; text-decoration: none; background: var(--accent); color: var(--accent-ink); transition: transform .12s ease; }
  .btn:hover { transform: translateY(-1px); }
  .btn[disabled] { opacity: .6; cursor: progress; transform: none; }
  .btn.small { padding: 10px 18px; font-size: 15px; }
  .btn.ghost { background: transparent; color: var(--ink); box-shadow: inset 0 0 0 1.5px var(--ink); }

  .hero { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: center; padding-block: 48px 72px; }
  .eyebrow { font: 500 13px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin: 0 0 18px; }
  h1, h2, h3 { font-family: var(--display); font-weight: 700; letter-spacing: -0.02em; line-height: 1.06; margin: 0; text-wrap: balance; }
  h1 { font-size: clamp(38px, 6vw, 68px); }
  h1 mark { background: linear-gradient(transparent 58%, var(--mark) 58% 92%, transparent 92%); color: inherit; padding-inline: 2px; }
  .lede { font-size: 19px; color: var(--muted); max-width: 34em; margin: 24px 0 32px; }
  .cta-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

  .inbox { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
  .inbox-head { display: flex; justify-content: space-between; gap: 12px; padding: 12px 18px; border-bottom: 1px solid var(--line); font: 500 12px/1.4 var(--mono); letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
  .msg { display: grid; gap: 8px; padding: 16px 18px; border-bottom: 1px solid var(--line); }
  .msg:last-child { border-bottom: 0; }
  .msg p { margin: 0; font-weight: 500; line-height: 1.4; }
  .tag { justify-self: start; font: 500 12px/1 var(--mono); letter-spacing: 0.04em; padding: 5px 8px; border-radius: 4px; background: var(--bg); color: var(--muted); }

  section { padding-block: 64px; border-top: 1px solid var(--line); scroll-margin-top: 8px; }
  h2 { font-size: clamp(30px, 4.2vw, 46px); }
  .sec-intro { max-width: 34em; color: var(--muted); margin: 16px 0 0; }
  .services { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 40px 48px; margin-top: 44px; }
  .service { border-top: 2px solid var(--ink); padding-top: 16px; }
  .service h3 { font-size: 23px; line-height: 1.15; margin-bottom: 8px; }
  .service p { margin: 0; color: var(--muted); }

  .steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 32px; margin: 44px 0 0; padding: 0; list-style: none; counter-reset: step; }
  .steps li { counter-increment: step; }
  .steps li::before { content: counter(step); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--accent); color: var(--accent-ink); font: 700 18px/1 var(--display); margin-bottom: 16px; }
  .steps h3 { font-size: 22px; margin-bottom: 6px; }
  .steps p { margin: 0; color: var(--muted); }

  .faq { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 36px 48px; margin-top: 44px; }
  .faq h3 { font-size: 21px; line-height: 1.2; margin-bottom: 8px; }
  .faq p { margin: 0; color: var(--muted); }

  .contact { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: start; }
  form { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 22px; display: grid; gap: 16px; }
  .field { display: grid; gap: 6px; }
  .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  label { font: 500 12px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
  input, select, textarea { font: 400 16px/1.4 var(--body); color: var(--ink); background: var(--bg); border: 1px solid var(--line); border-radius: 8px; padding: 12px 14px; width: 100%; }
  textarea { min-height: 150px; resize: vertical; }
  input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 2px solid var(--ink); outline-offset: 1px; border-color: var(--ink); }
  .hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
  .form-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 14px; }
  .fine { margin: 0; font-size: 14px; color: var(--muted); flex: 1 1 220px; }
  .status { margin: 0; font-weight: 500; }
  .status[data-kind="error"] { color: var(--err); }
  .status[data-kind="ok"] { color: var(--ok); }
  .sent { display: grid; gap: 8px; padding: 12px 4px; }
  .sent h3 { font-size: 26px; }
  .sent p { margin: 0; color: var(--muted); }

  footer { border-top: 1px solid var(--line); padding-block: 28px 0; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; color: var(--muted); font-size: 14px; }

  @media (max-width: 820px) {
    body { font-size: 16px; }
    .hero, .contact { grid-template-columns: 1fr; gap: 36px; }
    .hero { padding-block: 24px 48px; }
    section { padding-block: 48px; }
    .field-row { grid-template-columns: 1fr; }
  }
  @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .btn { transition: none; } .btn:hover { transform: none; } }

  /* Header nav */
  .topnav { display: flex; align-items: center; gap: 20px; }
  .topnav .link { font-weight: 500; font-size: 15px; text-decoration: none; }
  .topnav .link:hover { text-decoration: underline; text-underline-offset: 4px; }

  /* Feature band (insurance teaser) */
  .feature { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
  .feature p { margin: 0 0 24px; color: var(--muted); max-width: 34em; }
  .feature .btn { margin-bottom: 14px; }
  .feature .fine { flex: none; }
  .subtle { font-size: 14px; color: var(--muted); margin: 0; }
  @media (max-width: 820px) { .feature { grid-template-columns: 1fr; gap: 24px; } .topnav { gap: 14px; } }

  /* Two-up grid for even-numbered lists, no nowrap breakage in the header */
  .faq.pairs { grid-template-columns: repeat(auto-fit, minmax(min(380px, 100%), 1fr)); }
  .brand, .topnav .link, .topnav .btn { white-space: nowrap; }
  @media (max-width: 420px) { .topnav .btn.small { padding: 9px 14px; font-size: 14px; } .brand { font-size: 20px; } }

  /* Longer brand name: drop the secondary nav link on narrow phones */
  @media (max-width: 560px) { .topnav .link { display: none; } }
  @media (max-width: 460px) {
    .top { gap: 10px; }
    .brand { font-size: 18px; gap: 8px; }
    .topnav .btn.small { padding: 9px 12px; font-size: 14px; }
  }
  /* Very small phones: the hero already has the same call to action, so let the brand name have the row */
  @media (max-width: 380px) { .topnav { display: none; } }

  /* Article pages */
  .article { max-width: 720px; padding-block: 40px 72px; }
  .article h1 { font-size: clamp(34px, 5vw, 54px); margin-bottom: 18px; }
  .article .meta { font: 500 13px/1.5 var(--mono); letter-spacing: 0.04em; color: var(--muted); margin: 0 0 32px; }
  .article .lead { font-size: 20px; color: var(--muted); margin: 0 0 20px; }
  .article h2 { font-size: clamp(26px, 3.4vw, 34px); margin: 52px 0 14px; }
  .article h3 { font-size: 21px; line-height: 1.2; margin: 30px 0 8px; }
  .article p { margin: 0 0 16px; }
  .article ul, .article ol { margin: 0 0 18px; padding-left: 1.3em; }
  .article li { margin-bottom: 8px; }
  .article a { text-underline-offset: 3px; }
  .tablewrap { overflow-x: auto; margin: 20px 0 26px; border: 1px solid var(--line); border-radius: 12px; background: var(--surface); }
  .article table { border-collapse: collapse; width: 100%; min-width: 600px; font-size: 16px; }
  .article th, .article td { text-align: left; vertical-align: top; padding: 14px 16px; border-bottom: 1px solid var(--line); }
  .article tr:last-child td { border-bottom: 0; }
  .article th { font: 500 12px/1.4 var(--mono); letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
  .dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 8px; }
  .dot.g { background: var(--ok); } .dot.y { background: var(--accent); } .dot.r { background: var(--err); }
  .policy { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 24px 26px; margin: 20px 0 28px; }
  .policy h3 { font-size: 18px; margin: 22px 0 6px; }
  .policy h3:first-child { margin-top: 0; }
  .policy p { margin: 0 0 8px; }
  .article .note { font-size: 15px; color: var(--muted); }
  .cta-band { border-top: 2px solid var(--ink); padding-top: 24px; margin-top: 52px; }
  .cta-band h2 { margin-top: 0; }
  .guide-card { display: block; margin-top: 8px; padding: 22px 24px; background: var(--surface); border: 1px solid var(--line); border-left: 6px solid var(--accent); border-radius: 12px; text-decoration: none; color: var(--ink); transition: transform .15s ease, box-shadow .15s ease; }
  .guide-card:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(13,31,26,.10); }
  .guide-card span { display: block; }
  .guide-label { font-family: var(--mono); font-size: 12px; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
  .guide-title { font-family: var(--display); font-weight: 700; font-size: clamp(20px, 3.2vw, 26px); line-height: 1.2; margin-bottom: 8px; }
  .guide-text { color: var(--muted); max-width: 46em; margin-bottom: 12px; }
  .guide-go { font-weight: 600; text-decoration: underline; text-underline-offset: 4px; }
  @media (prefers-reduced-motion: reduce) { .guide-card { transition: none; } .guide-card:hover { transform: none; } }
  .sources { font-size: 15px; color: var(--muted); }
  .sources li { margin-bottom: 6px; }