/* Plumbing Insurance Group: "Pipe & Shield" design system. Plain CSS, no build step. */
:root{
  --navy:#0E2340; --navy-2:#1C3A63; --navy-3:#27497A; --blue:#1E6FD9; --yellow:#FFC629; --yellow-dk:#E5AE10;
  --copper:#B8692F; --copper-lt:#F3E3D6; --ink:#1B2430; --muted:#5B6675; --band:#F4F6F9; --line:#DCE3EC; --white:#fff;
  --ok:#1E7F4F; --err:#B42318;
  --f-head:"Barlow Condensed",Impact,"Arial Narrow",sans-serif; --f-body:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --radius:10px; --shadow:0 10px 30px rgba(14,35,64,.14); --max:1200px; --gut:16px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font:400 17px/1.65 var(--f-body)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
h1,h2,h3,h4{font-family:var(--f-head);color:var(--navy);line-height:1.05;margin:0 0 .5em}
h1{font-size:clamp(2.4rem,5.4vw,4.1rem);font-weight:900;text-transform:uppercase;letter-spacing:.005em}
h2{font-size:clamp(1.9rem,3.4vw,2.7rem);font-weight:800;text-transform:uppercase}
h3{font-size:1.45rem;font-weight:700}
.accent{color:var(--copper)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gut)}
@media (min-width:768px){:root{--gut:28px}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;min-height:48px;padding:.75em 1.4em;border-radius:8px;
  border:0;font:800 1.08rem/1 var(--f-head);letter-spacing:.04em;text-transform:uppercase;text-decoration:none;cursor:pointer;transition:background .15s,transform .15s}
.btn--yellow{background:var(--yellow);color:var(--navy)}
.btn--yellow:hover{background:var(--yellow-dk);color:var(--navy)}
.btn--navy{background:var(--navy);color:var(--white)}
.btn--navy:hover{background:var(--navy-2);color:var(--white)}
.btn--block{width:100%}
.btn:active{transform:translateY(1px)}

/* Hero (page) */
.hero{position:relative;background:var(--navy);color:#DCE6F2;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;opacity:.07;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cpath d='M0 30h60a20 20 0 0 1 20 20v70M20 0v20M100 0v40h20' fill='none' stroke='%23fff' stroke-width='6'/%3E%3C/svg%3E")}
.hero .wrap{position:relative;display:grid;gap:28px;padding-top:40px;padding-bottom:48px}
.hero h1{color:var(--white)}
.hero .accent{color:var(--yellow)}
.hero__lede{font-size:1.12rem;max-width:40ch;color:#DCE6F2}
.crumbs{font-size:.85rem;color:#9FB3CC;margin-bottom:10px}
.crumbs a{color:#C7D5E6;text-decoration:none}
.trust-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 18px;margin:22px 0 0;padding:0;list-style:none}
.trust-row li{display:flex;align-items:center;gap:10px;font:700 1.05rem/1.2 var(--f-head);letter-spacing:.03em;text-transform:uppercase;color:var(--white)}
.trust-row svg{width:26px;height:26px;flex:none;color:var(--yellow)}
@media (min-width:1024px){
  .hero .wrap{grid-template-columns:minmax(0,1fr) 440px;align-items:start;padding-top:56px;padding-bottom:64px}
  .trust-row{grid-template-columns:repeat(4,auto)}
}

/* Form card */
.form-card{background:var(--white);color:var(--ink);border-radius:14px;box-shadow:var(--shadow);overflow:hidden;border-top:6px solid var(--yellow)}
.form-card__head{padding:20px 22px 4px}
.form-card__title{font:900 1.65rem/1.05 var(--f-head);text-transform:uppercase;color:var(--navy);margin:0}
.form-card__sub{margin:.3em 0 0;color:var(--muted);font-size:.92rem}
.form-card__trust{margin:0;padding:10px 22px;background:var(--band);border-top:1px solid var(--line);font-size:.78rem;color:var(--muted);text-align:center}
.qf{padding:12px 22px 18px;position:relative}
.qf-progress{height:6px;background:var(--line);border-radius:6px;overflow:hidden}
.qf-bar{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--copper),var(--yellow));transition:width .3s}
.qf-count{margin:.5em 0 .6em;font:700 .8rem/1 var(--f-body);letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.qf-step{border:0;margin:0;padding:0;min-width:0}
.qf-step legend{font:800 1.3rem/1.15 var(--f-head);color:var(--navy);padding:0;margin:0 0 12px;outline:0}
.qf-hint{margin:-4px 0 12px;color:var(--muted);font-size:.88rem}
.qf-tiles{display:grid;gap:8px}
.qf-cols-1{grid-template-columns:1fr}.qf-cols-2{grid-template-columns:1fr 1fr}.qf-cols-3{grid-template-columns:repeat(3,1fr)}
.qf-tile{position:relative;display:block;cursor:pointer}
.qf-tile input{position:absolute;opacity:0;inset:0}
.qf-tile span{display:flex;align-items:center;min-height:52px;height:100%;padding:10px 12px;border:2px solid var(--line);border-radius:9px;
  font-weight:600;font-size:.93rem;line-height:1.25;color:var(--ink);background:var(--white);transition:border-color .12s,background .12s}
.qf-tile:hover span{border-color:var(--navy-3)}
.qf-tile input:checked+span{border-color:var(--navy);background:#EAF1FA;box-shadow:inset 4px 0 0 var(--copper)}
.qf-tile input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.qf-cols-3 .qf-tile span{justify-content:center;text-align:center}
.qf-label{display:block;font-weight:600;font-size:.9rem;margin:10px 0 5px}
.qf-input,.qf-select{width:100%;min-height:50px;padding:10px 12px;border:2px solid var(--line);border-radius:9px;font:500 1rem var(--f-body);color:var(--ink);background:var(--white)}
.qf-input:focus,.qf-select:focus{border-color:var(--navy);outline:0;box-shadow:0 0 0 3px rgba(30,111,217,.25)}
.qf-input:disabled{background:var(--band);color:var(--muted)}
.qf-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.qf-checks{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.qf-check{display:flex;gap:10px;align-items:flex-start;cursor:pointer;font-size:.93rem;line-height:1.35}
.qf-checks .qf-check{padding:12px;border:2px solid var(--line);border-radius:9px;font-weight:600}
.qf-checks .qf-check:has(input:checked){border-color:var(--navy);background:#EAF1FA}
.qf-check input{width:20px;height:20px;margin:0;flex:none;accent-color:var(--navy)}
.qf-check--inline{margin-top:10px;font-size:.9rem}
.qf-consent{margin:14px 0;font-size:.74rem;line-height:1.45;color:var(--muted)}
.qf-consent input{width:18px;height:18px;margin-top:2px}
.qf-actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-top:14px}
.qf-link{background:none;border:0;padding:6px 0;color:var(--blue);font:600 .9rem var(--f-body);cursor:pointer;text-decoration:underline}
.qf-back{margin-top:10px;color:var(--muted)}
.qf-err{margin:10px 0 0;color:var(--err);font-weight:600;font-size:.9rem}
.qf-fine{margin:10px 0 0;font-size:.74rem;color:var(--muted);line-height:1.45}
.qf-reveal{margin-top:14px;padding-top:12px;border-top:1px dashed var(--line)}
.qf-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.qf-sent{margin-top:14px;padding:12px;border-radius:8px;background:var(--band);font-size:.85rem}
.qf-sent pre{white-space:pre-wrap;word-break:break-word;font-size:.75rem;margin:8px 0 0;max-height:320px;overflow:auto}
.qf-noscript{padding:0 22px 16px;font-weight:600}
.form-card--compact .form-card__title{font-size:1.35rem}
@media (max-width:420px){.qf-cols-3{grid-template-columns:1fr 1fr}.qf-checks{grid-template-columns:1fr}.qf-row{grid-template-columns:1fr}}

/* ---------- utility + header ---------- */
.skip{position:absolute;left:-999px;top:0;background:var(--yellow);color:var(--navy);padding:10px 16px;z-index:99;font-weight:700}
.skip:focus{left:8px;top:8px}
.utility{background:var(--navy);color:#C7D5E6;font-size:.8rem}
.utility .wrap{display:flex;justify-content:space-between;gap:12px;min-height:36px;align-items:center}
.utility p{margin:0}
.utility a{color:#fff;text-decoration:none}
@media (max-width:760px){.utility__links{display:none}.utility .wrap{justify-content:center;text-align:center}}
.hdr{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr__in{display:flex;align-items:center;gap:20px;min-height:76px}
.hdr__logo img{height:46px;width:auto}
.nav{display:none;align-items:center;gap:22px;margin-left:auto;font-weight:600}
.nav>a,.nav summary{color:var(--navy);text-decoration:none;cursor:pointer;font-size:.98rem;list-style:none;padding:8px 0}
.nav summary::-webkit-details-marker{display:none}
.nav summary::after{content:"▾";font-size:.7em;margin-left:5px;color:var(--copper)}
.nav__dd{position:relative}
.dd{position:absolute;left:-16px;top:calc(100% + 10px);background:var(--white);border:1px solid var(--line);border-top:4px solid var(--yellow);border-radius:0 0 10px 10px;box-shadow:var(--shadow);
  list-style:none;margin:0;padding:12px;min-width:260px;display:grid;gap:2px;z-index:60}
.dd--2{grid-template-columns:1fr 1fr;min-width:520px}
.dd--4{grid-template-columns:repeat(4,1fr);min-width:640px;left:-200px}
.dd a{display:block;padding:7px 10px;border-radius:6px;color:var(--ink);text-decoration:none;font-weight:500;font-size:.92rem}
.dd a:hover{background:var(--band);color:var(--navy)}
.dd__all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
.dd__all a{color:var(--blue);font-weight:700}
.hdr__cta{display:none;align-items:center;gap:16px}
.hdr-phone{display:flex;align-items:center;gap:8px;font:800 1.5rem/1 var(--f-head);color:var(--navy);text-decoration:none}
.hdr-phone svg{width:22px;height:22px;color:var(--copper)}
.burger{margin-left:auto}
.burger summary{list-style:none;cursor:pointer;width:44px;height:44px;display:flex;flex-direction:column;justify-content:center;gap:5px;padding:10px;border-radius:8px;border:1px solid var(--line)}
.burger summary::-webkit-details-marker{display:none}
.burger summary span{display:block;height:2px;background:var(--navy);border-radius:2px}
.burger__panel{position:absolute;left:0;right:0;top:100%;background:var(--white);border-bottom:4px solid var(--yellow);box-shadow:var(--shadow);padding:10px var(--gut) 20px;max-height:75vh;overflow:auto}
.burger__panel ul{list-style:none;margin:0 0 8px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:2px 12px}
.burger__panel a{display:block;padding:9px 0;color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}
.burger__h{margin:12px 0 2px;font:800 .95rem var(--f-head);letter-spacing:.06em;text-transform:uppercase;color:var(--copper)}
@media (min-width:1080px){.nav,.hdr__cta{display:flex}.burger{display:none}.nav{margin-left:auto}.hdr__cta{margin-left:6px}}

/* ---------- heroes ---------- */
.hero--home{min-height:640px}
.hero__bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% 35%}
.hero--home::before{z-index:1;opacity:1;background:linear-gradient(90deg,rgba(14,35,64,.94) 0%,rgba(14,35,64,.8) 34%,rgba(14,35,64,.5) 56%,rgba(14,35,64,.3) 100%)}
.hero--home .wrap{z-index:2}
@media (max-width:1023px){.hero--home::before{background:linear-gradient(180deg,rgba(14,35,64,.82),rgba(14,35,64,.96) 55%)}}
.hero__badge{display:inline-flex;align-items:center;gap:8px;margin:14px 0 0;padding:8px 14px;border-radius:999px;background:rgba(255,198,41,.14);border:1px solid rgba(255,198,41,.5);color:#FFE7A3;font-weight:600;font-size:.9rem}
.hero__badge svg{width:18px;height:18px;color:var(--yellow)}
.hero--article{background:var(--band);color:var(--ink)}
.hero--article::before{display:none}
.hero--article h1{color:var(--navy);font-size:clamp(2.2rem,4.6vw,3.5rem);max-width:22ch}
.hero--article .accent{color:var(--copper)}
.hero--article .crumbs,.hero--article .crumbs a{color:var(--muted)}
.hero--article .hero__lede{color:var(--ink);max-width:62ch}
.hero--article .wrap{display:block;padding-top:36px;padding-bottom:36px}
.crumbs a:hover{text-decoration:underline}

/* ---------- sections + text ---------- */
.sec{padding:56px 0}
.sec--band{background:var(--band)}
.sec--founder{padding:28px 0 0}
.sec h2{margin-bottom:.45em}
.sec h3{margin-top:1.2em}
.sec p,.sec li{max-width:72ch}
.sec ul,.sec ol{padding-left:1.25em}
.sec li{margin:.3em 0}
.sec li::marker{color:var(--copper)}
.sec + .sec:not(.sec--band){padding-top:8px}
.cta-inline{font-weight:700;color:var(--blue);text-decoration:none;border-bottom:2px solid var(--yellow)}
.cta-inline:hover{color:var(--navy)}
.fine{font-size:.82rem;color:var(--muted)}
.pending{background:var(--copper-lt);padding:0 4px;border-radius:4px}
.split{display:grid;gap:28px;align-items:start}
@media (min-width:900px){.split{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr)}}
.pic{margin:0}
.pic img{width:100%;height:auto;border-radius:12px;box-shadow:var(--shadow);aspect-ratio:3/2;object-fit:cover}

/* ---------- cards ---------- */
.cover-grid,.why-cards,.city-grid,.carrier-grid{display:grid;gap:16px;margin-top:22px}
@media (min-width:640px){.cover-grid,.city-grid,.carrier-grid{grid-template-columns:1fr 1fr}.why-cards{grid-template-columns:1fr 1fr}}
@media (min-width:1024px){.cover-grid{grid-template-columns:repeat(3,1fr)}.carrier-grid{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 2px 0 rgba(14,35,64,.04)}
.card h3{margin:0 0 .35em;font-size:1.4rem}
.card p{margin:.4em 0;font-size:.97rem}
.card p:last-child a{font-weight:700;text-decoration:none}
.card__icon{display:inline-flex;width:46px;height:46px;border-radius:10px;background:var(--copper-lt);color:var(--copper);align-items:center;justify-content:center;margin-bottom:12px}
.card__icon svg{width:26px;height:26px}
.why-cards .card{border-left:6px solid var(--yellow)}
.city-grid .card{border-top:4px solid var(--navy-2)}
.sec--band .card{border-color:#E3E9F1}

/* ---------- seg tiles ---------- */
.seg-tiles{display:grid;gap:16px;margin-top:22px}
@media (min-width:760px){.seg-tiles{grid-template-columns:repeat(3,1fr)}}
.seg-tile{position:relative;display:block;border-radius:12px;overflow:hidden;min-height:280px;color:#fff;text-decoration:none;box-shadow:var(--shadow)}
.seg-tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .4s}
.seg-tile:hover img{transform:scale(1.04)}
.seg-tile__body{position:absolute;inset:auto 0 0 0;padding:20px;background:linear-gradient(0deg,rgba(14,35,64,.96),rgba(14,35,64,.65) 70%,transparent);display:block}
.seg-tile__title{display:block;font:800 1.55rem/1.05 var(--f-head);text-transform:uppercase}
.seg-tile__text{display:block;font-size:.88rem;color:#DCE6F2;margin-top:6px}

/* ---------- steps / takeaways / caveat ---------- */
.steps{list-style:none;counter-reset:s;padding:0 !important;display:grid;gap:14px;margin-top:20px}
@media (min-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
.steps li{counter-increment:s;position:relative;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 18px 70px;max-width:none;margin:0}
.steps li::before{content:counter(s);position:absolute;left:18px;top:16px;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--yellow);font:900 1.25rem/36px var(--f-head);text-align:center}
.takeaways{background:#EAF1FA;border-left:6px solid var(--blue);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px}
.takeaways__title{font:800 1.2rem var(--f-head);text-transform:uppercase;letter-spacing:.04em;color:var(--navy);margin:0 0 6px}
.caveat{background:var(--copper-lt);border:1px solid #E6CDB8;border-left:6px solid var(--copper);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px;margin:22px 0;max-width:78ch}
.caveat__title{display:flex;gap:10px;align-items:center;font:800 1.25rem/1.1 var(--f-head);text-transform:uppercase;letter-spacing:.02em;color:#7A3F14;margin:0 0 6px}
.caveat__title svg{width:22px;height:22px;flex:none}
.caveat p{margin:.45em 0}

/* ---------- tables ---------- */
.tbl-wrap{overflow-x:auto;margin:18px 0;border-radius:var(--radius);border:1px solid var(--line)}
.tbl{width:100%;border-collapse:collapse;font-size:.95rem;background:var(--white)}
.tbl th{background:var(--navy);color:#fff;text-align:left;font:700 1rem var(--f-head);letter-spacing:.04em;text-transform:uppercase;padding:12px 14px}
.tbl td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top}
.tbl tr:nth-child(even) td{background:#FAFBFD}
.tbl--covers-table th:first-child{background:#1E6B47}
.tbl--covers-table th:last-child{background:#7A3F14}
@media (max-width:640px){
  .tbl thead{display:none}
  .tbl tr{display:block;border-top:1px solid var(--line)}
  .tbl td{display:block;border:0;padding:8px 14px}
  .tbl td[data-label]:not([data-label=""])::before{content:attr(data-label);display:block;font:700 .78rem var(--f-body);text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
}

/* ---------- faq ---------- */
.faq{display:grid;gap:10px;margin-top:16px;max-width:880px}
.faq__item{background:var(--white);border:1px solid var(--line);border-radius:var(--radius)}
.faq__item summary{cursor:pointer;list-style:none;padding:16px 48px 16px 18px;font-weight:700;color:var(--navy);position:relative}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:18px;top:12px;font:900 1.5rem var(--f-head);color:var(--copper)}
.faq__item[open] summary::after{content:"–"}
.faq__item div{padding:0 18px 16px;color:var(--ink)}

/* ---------- related / guide cards ---------- */
.related,.guide-cards{display:grid;gap:10px;margin-top:16px}
@media (min-width:760px){.related,.guide-cards{grid-template-columns:repeat(3,1fr)}}
.related__item{display:flex;justify-content:space-between;align-items:center;gap:12px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;
  text-decoration:none;color:var(--navy);font-weight:700}
.related__item:hover{border-color:var(--navy);box-shadow:var(--shadow)}
.related__item span:last-child{color:var(--copper);font-size:1.2rem}

/* ---------- carriers ---------- */
.carrier-strip{list-style:none;margin:16px 0 6px;padding:0 !important;display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
@media (min-width:760px){.carrier-strip{grid-template-columns:repeat(5,1fr)}}
.carrier-strip li{margin:0;max-width:none}
.carrier-word{display:flex;align-items:center;justify-content:center;height:58px;padding:0 14px;border:1px solid var(--line);border-radius:10px;background:var(--white);
  font:800 1.12rem/1.1 var(--f-head);letter-spacing:.03em;color:#475569;text-transform:uppercase;text-align:center}
.carrier-logo{display:flex;align-items:center;justify-content:center;height:72px;padding:10px 14px;border:1px solid var(--line);border-radius:10px;background:var(--white)}
.carrier-logo img,.card__logo img{max-height:44px;max-width:100%;width:auto;height:auto;object-fit:contain}
.card__logo{display:flex;align-items:center;height:56px;margin-bottom:10px}

/* ---------- state map ---------- */
.state-map{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:4px;max-width:720px;margin:22px auto 8px}
.tile{aspect-ratio:1;display:flex;align-items:center;justify-content:center;border-radius:6px;font:700 clamp(.6rem,1.6vw,.95rem)/1 var(--f-head);background:#E3E8EF;color:#9AA6B6}
.tile--on{background:var(--navy);color:#fff;text-decoration:none;transition:background .15s,transform .15s}
.tile--on:hover{background:var(--copper);transform:scale(1.08)}
.map-key{text-align:center;font-size:.85rem;color:var(--muted)}
.map-key span{display:inline-block;width:12px;height:12px;border-radius:3px;vertical-align:-1px;margin:0 4px 0 10px}
.key-on{background:var(--navy)}.key-off{background:#E3E8EF}
.state-list{list-style:none;padding:0 !important;margin:18px auto 0;display:grid;grid-template-columns:repeat(2,1fr);gap:4px 16px;max-width:900px}
@media (min-width:760px){.state-list{grid-template-columns:repeat(4,1fr)}}
.state-list li{margin:0}
.state-list a{text-decoration:none;font-weight:600}

/* ---------- license ---------- */
.license-badge{display:inline-flex;gap:14px;align-items:center;background:var(--navy);color:#fff;border-radius:12px;padding:16px 20px;margin-top:10px}
.license-badge svg{width:34px;height:34px;color:var(--yellow);flex:none}
.license-badge strong{display:block;font:800 1.3rem var(--f-head);text-transform:uppercase}
.license-badge span{font-size:.9rem;color:#C7D5E6}
.tbl--licenses td:last-child{font-variant-numeric:tabular-nums;font-weight:600}

/* ---------- founder ---------- */
.founder{display:flex;gap:16px;align-items:flex-start;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:18px;max-width:920px;box-shadow:0 2px 0 rgba(14,35,64,.04)}
.founder img{width:72px;height:72px;border-radius:50%;object-fit:cover;border:3px solid var(--copper);flex:none}
.founder p{margin:0}
.founder__name{font-weight:700;color:var(--navy)}
.founder__name a{color:var(--navy)}
.founder__bio{font-size:.93rem;margin:4px 0 6px !important;color:var(--ink)}
.founder__meta{font-size:.8rem;color:var(--muted)}
.founder--large{padding:26px;gap:24px}
.founder--large img{width:120px;height:120px}
@media (max-width:560px){.founder{flex-direction:column}}

/* ---------- article layout (guides) ---------- */
.article{display:grid;gap:28px;padding-top:12px;padding-bottom:20px}
.article .sec{padding:28px 0}
.article .sec--band{background:none}
.article .wrap{padding:0;max-width:none}
@media (min-width:1080px){.article{grid-template-columns:minmax(0,1fr) 360px}.article__side{position:sticky;top:96px;align-self:start}}
.toc{background:var(--band);border-radius:var(--radius);padding:16px 18px;margin:28px 0 18px;font-size:.9rem}
.toc__h{margin:0 0 6px;font:800 1rem var(--f-head);text-transform:uppercase;letter-spacing:.06em;color:var(--copper)}
.toc ol{margin:0;padding-left:1.2em}
.toc a{text-decoration:none;color:var(--navy)}
@media (max-width:1079px){.toc{display:none}}

/* ---------- CTA band + footer ---------- */
.cta-band{background:var(--navy);color:#DCE6F2;padding:56px 0;text-align:center;border-top:6px solid var(--yellow)}
.cta-band h2{color:#fff}
.cta-band p{margin:.4em auto;max-width:60ch}
.cta-band__btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:18px !important}
.btn--ghost{background:transparent;color:#fff;border:2px solid #fff}
.btn--ghost:hover{background:#fff;color:var(--navy)}
.ftr{background:#0A1A31;color:#B8C6D9;padding:56px 0 90px;font-size:.92rem}
.ftr a{color:#fff;text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr__grid{display:grid;gap:28px}
@media (min-width:760px){.ftr__grid{grid-template-columns:1.2fr 1fr 1fr 1fr}}
.ftr__logo{width:170px;height:auto;margin-bottom:12px}
.ftr__h{margin:0 0 8px;font:800 1.05rem var(--f-head);text-transform:uppercase;letter-spacing:.06em;color:var(--yellow)}
.ftr ul{list-style:none;margin:0 0 16px;padding:0}
.ftr li{margin:5px 0}
.ftr__states{line-height:1.9;word-spacing:2px}
.ftr__legal{border-top:1px solid #1E3354;margin-top:32px;padding-top:20px;font-size:.8rem;color:#8FA1B9}
.ftr__legal p{margin:.4em 0}
.ftr__legal strong{color:#DCE6F2}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:70;display:flex;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(14,35,64,.12)}
.mbar .btn{flex:1}
@media (min-width:1080px){.mbar{display:none}.ftr{padding-bottom:56px}}
@media print{.hdr,.utility,.mbar,.form-card,.cta-band{display:none}}

/* Team review box: brand icon, no founder photo (Kyle, 2026-10-07: Joe is founder only) */
.founder--team img{border:0;border-radius:0;width:56px;height:56px;object-fit:contain}

/* ---------- desktop nav: hover/focus dropdowns, pure CSS (kit v6.1) ----------
   Hovering a top item opens its menu; moving to the next item swaps menus instantly. A 200ms grace period
   (visibility transition delay) and an invisible bridge over the gap keep the menu open while the pointer travels
   down into it. Keyboard: focusing the top item or any link inside opens it (:focus-within). Mobile keeps the burger. */
.nav__top{font:inherit;color:var(--navy);background:none;border:0;cursor:pointer;padding:8px 0;text-decoration:none;font-size:.98rem;font-weight:600;display:inline-flex;align-items:center}
.nav__top::after{content:"▾";font-size:.7em;margin-left:5px;color:var(--copper);transition:transform .2s}
.nav__dd::before{content:"";position:absolute;left:-12px;right:-12px;top:100%;height:16px}
.nav__dd .dd{visibility:hidden;opacity:0;transform:translateY(-4px);pointer-events:none;transition:opacity .15s ease,transform .15s ease,visibility 0s linear .2s}
.nav__dd:hover .dd,.nav__dd:focus-within .dd{visibility:visible;opacity:1;transform:none;pointer-events:auto;transition-delay:0s}
.nav__dd:hover .nav__top::after,.nav__dd:focus-within .nav__top::after{transform:rotate(180deg)}
.nav__dd:hover .nav__top,.nav__dd:focus-within .nav__top{color:var(--navy)}
.nav__top:focus-visible{outline:2px solid var(--copper);outline-offset:4px;border-radius:4px}
@media (prefers-reduced-motion:reduce){.nav__dd .dd,.nav__top::after{transition:none}}
/* brand colours carried over from this site's .nav summary rules */
.nav>a,.nav__top{color:var(--navy);font-size:.98rem}
.nav__top::after{font-size:.7em;color:var(--copper)}

/* brand sentence directly under a state page H1 (Kyle, 2026-10-09) */
.hero__brand{font-size:1.14rem;font-weight:600;line-height:1.5;max-width:46ch;margin:4px 0 12px;padding-left:14px;border-left:4px solid}
.hero__brand{color:#fff;border-left-color:var(--yellow)}
.hero__brand strong{color:var(--yellow)}