/* =========================================================
   Overage Desk - design system
   Bone paper, warm ink, deep pine. Hairlines, not boxes.
   ========================================================= */

@font-face{font-family:'Caslon Display';src:url('/assets/fonts/caslondisplay-400.woff2') format('woff2');
  font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'Caslon Text';src:url('/assets/fonts/caslontext-400.woff2') format('woff2');
  font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'Caslon Text';src:url('/assets/fonts/caslontext-400-italic.woff2') format('woff2');
  font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:'Newsreader';src:url('/assets/fonts/newsreader-300-600.woff2') format('woff2');
  font-weight:300 600;font-style:normal;font-display:swap}
@font-face{font-family:'IBM Plex Mono';src:url('/assets/fonts/plexmono-400.woff2') format('woff2');
  font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'IBM Plex Mono';src:url('/assets/fonts/plexmono-500.woff2') format('woff2');
  font-weight:500;font-style:normal;font-display:swap}

:root{
  --paper:#F4F1E9; --paper-2:#EBE6D9; --paper-3:#FAF8F3;
  --ink:#17150F; --ink-2:#35312A; --muted:#6B6558;
  --rule:#D9D2C1; --rule-2:#C4BBA5;
  --pine:#1C3B2E; --pine-2:#142C22; --pine-lt:#3C6653;
  --brass:#8A6A3B; --brass-lt:#B98F4A;
  --oxblood:#7A2E24; --fig:#2A5C46;
  --display:'Caslon Display',Georgia,'Times New Roman',serif;
  --emph:'Caslon Text',Georgia,'Times New Roman',serif;
  --body:'Newsreader',Georgia,'Times New Roman',serif;
  --mono:'IBM Plex Mono',ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  --wrap:1240px;
  --pad:clamp(58px,7vw,110px);
  --marg:172px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink-2);
  font-family:var(--body);font-size:19px;line-height:1.62;
  font-optical-sizing:auto;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--ink);text-decoration:none}
p{margin:0 0 1.15em}

h1,h2,h3{font-weight:400;color:var(--ink);margin:0 0 .5em;line-height:1.1}
h1,h2{font-family:var(--display);letter-spacing:-.014em}
h1{font-size:clamp(2.4rem,5.4vw,4.2rem);line-height:1.04;letter-spacing:-.02em}
h2{font-size:clamp(1.7rem,3.1vw,2.5rem)}
h3{font-family:var(--emph);font-size:1.16rem;letter-spacing:0;line-height:1.25}
em{font-style:italic}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 32px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:99;background:var(--pine);color:var(--paper);
  padding:10px 16px}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px}
.after{margin-top:32px}

/* ---------- mono utility ---------- */
.kicker,.slabel,.snum,.ts-t,.fact-n,.step-n,.why-n,.gcard-n,.crow2-k,.fmeta-k,.fcol h4,
.stmt-hd,.ln-v,.lf-hd,.fld label,.btn,.hdr-nav a,.crumbs,.ministeps span,.stmt-tag,.hdr-tel{
  font-family:var(--mono);font-feature-settings:"tnum" 1}
.kicker{font-size:.7rem;font-weight:500;letter-spacing:.2em;text-transform:uppercase;
  color:var(--brass);margin:0 0 22px}

/* ---------- top bar + header ---------- */
.topbar{height:5px;background:var(--pine)}
.hdr{position:sticky;top:0;z-index:50;background:rgba(244,241,233,.94);
  backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);
  border-bottom:1px solid var(--rule)}
.hdr-in{display:flex;align-items:center;gap:30px;min-height:78px}
.brandlink{display:inline-flex;align-items:center;gap:13px;flex-shrink:0}
.brandlink .mark{display:block}
.wm{display:flex;flex-direction:column;line-height:1}
.wm-a{font-family:var(--emph);font-size:1.28rem;font-weight:400;color:var(--ink);
  letter-spacing:0}
.wm-b{font-family:var(--mono);font-size:.58rem;font-weight:400;letter-spacing:.19em;
  text-transform:uppercase;color:var(--muted);margin-top:5px}
.brandlink.inv .wm-a{color:var(--paper)}
.brandlink.inv .wm-b{color:rgba(244,241,233,.62)}
.hdr-nav{display:flex;gap:28px;margin-left:auto}
.hdr-nav a{font-size:.72rem;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-2);
  padding:5px 0;border-bottom:1px solid transparent}
.hdr-nav a:hover{color:var(--ink);border-color:var(--brass)}
.hdr-nav a.on{color:var(--ink);border-color:var(--pine)}
.hdr-r{display:flex;align-items:center;gap:20px;margin-left:6px}
.hdr-tel{font-size:.78rem;color:var(--ink);white-space:nowrap}
.hdr-tel:hover{color:var(--brass)}
.hdr-burger{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:8px;
  margin-left:auto;cursor:pointer}
.hdr-burger span{display:block;width:22px;height:1.5px;background:var(--ink);
  transition:transform .2s,opacity .2s}
.hdr.open .hdr-burger span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.hdr.open .hdr-burger span:nth-child(2){opacity:0}
.hdr.open .hdr-burger span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;
  font-size:.72rem;font-weight:500;letter-spacing:.13em;text-transform:uppercase;
  padding:16px 28px;border:1px solid var(--pine);background:var(--pine);color:var(--paper);
  cursor:pointer;transition:background .16s ease,color .16s ease,border-color .16s ease}
.btn:hover{background:var(--pine-2);border-color:var(--pine-2);color:var(--paper)}
.btn-sm{padding:11px 18px;font-size:.66rem}
.btn-block{width:100%}
.btn-line{background:transparent;color:var(--ink);border-color:var(--rule-2)}
.btn-line:hover{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-bone{background:var(--paper);border-color:var(--paper);color:var(--pine)}
.btn-bone:hover{background:#fff;border-color:#fff;color:var(--pine-2)}
.btn-line-inv{background:transparent;color:var(--paper);border-color:rgba(244,241,233,.4)}
.btn-line-inv:hover{background:transparent;color:var(--paper);border-color:var(--paper)}

/* ---------- editorial grid ---------- */
.sec{padding:var(--pad) 0}
.sec-tint{background:var(--paper-2)}
.egrid{display:grid;grid-template-columns:var(--marg) minmax(0,1fr);gap:0 46px}
.marg{position:relative}
.marg>*{display:block}
.snum{font-size:.72rem;font-weight:500;letter-spacing:.12em;color:var(--brass)}
.slabel{font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);
  margin-top:9px;padding-top:9px;border-top:1px solid var(--rule-2)}
.marg-sticky{position:sticky;top:110px}
.dh{max-width:19ch}
.dlead{font-size:1.14rem;color:var(--ink-2);max-width:62ch;margin-bottom:0}

/* ---------- hero ---------- */
.hero{padding:clamp(44px,5vw,74px) 0 clamp(56px,6vw,92px)}
.hero-rule{display:flex;justify-content:space-between;gap:20px;padding-bottom:14px;
  border-bottom:1px solid var(--ink);font-family:var(--mono);font-size:.66rem;
  letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.hero-h1{margin:clamp(30px,4vw,54px) 0 clamp(34px,4vw,58px);max-width:17ch;
  font-size:clamp(2.5rem,6.2vw,4.9rem)}
.hero-h1 em{font-family:var(--display);font-style:normal;color:var(--pine);letter-spacing:-.02em;
  text-decoration:underline;text-decoration-color:var(--brass-lt);
  text-decoration-thickness:.038em;text-underline-offset:.13em;
  text-decoration-skip-ink:none}
.hero-cols{display:grid;grid-template-columns:1fr 1fr;gap:clamp(38px,5vw,80px);
  align-items:start}
.lead{font-size:1.2rem;line-height:1.58;color:var(--ink-2);max-width:52ch;margin:0}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.hero-sub{margin:18px 0 0;font-family:var(--mono);font-size:.7rem;letter-spacing:.06em;
  color:var(--muted)}

/* statement */
.stmt{margin:0;border:1px solid var(--ink);background:var(--paper-3);padding:26px 26px 22px}
.stmt-hd{display:flex;justify-content:space-between;align-items:baseline;gap:14px;
  font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:var(--ink);
  padding-bottom:14px;border-bottom:1px solid var(--ink)}
.stmt-tag{color:var(--brass)}
.ln{display:flex;align-items:baseline;gap:10px;padding:14px 0}
.ln+.ln{border-top:1px solid var(--rule)}
.ln-l{color:var(--ink-2);font-size:.98rem}
.ln-d{flex:1;border-bottom:1px dotted var(--rule-2);transform:translateY(-5px);min-width:18px}
.ln-v{font-size:.97rem;white-space:nowrap;color:var(--ink)}
.ln.neg .ln-v{color:var(--oxblood)}
.stmt-rule{border-top:1px solid var(--ink);margin-top:10px}
.ln.tot{padding:16px 0 6px;border-top:0}
.ln.tot .ln-l{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink)}
.ln.tot .ln-v{font-family:var(--display);font-size:2.3rem;font-weight:400;color:var(--fig);
  letter-spacing:-.02em}
.stmt-note{margin:14px 0 0;font-family:var(--mono);font-size:.63rem;line-height:1.6;
  color:var(--muted)}

/* ---------- trust strip ---------- */
.trust{border-top:1px solid var(--ink);border-bottom:1px solid var(--rule-2)}
.trust-in{display:grid;grid-template-columns:repeat(4,1fr)}
.ts{padding:24px 26px 24px 0;border-right:1px solid var(--rule)}
.ts:last-child{border-right:0}
.ts+.ts{padding-left:26px}
.ts-t{display:block;font-size:.68rem;letter-spacing:.15em;text-transform:uppercase;
  color:var(--pine);margin-bottom:7px}
.ts-d{display:block;font-size:.96rem;line-height:1.5;color:var(--muted)}

/* ---------- two-col + prose bits ---------- */
.two-col{display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(32px,4vw,64px);
  margin-top:34px}
.drop::first-letter{float:left;font-family:var(--display);font-size:3.6em;line-height:.82;
  padding:.06em .1em 0 0;color:var(--pine);font-weight:400}
.pull{margin:0 0 32px;padding:0 0 0 22px;border-left:2px solid var(--brass);
  font-family:var(--emph);font-size:1.3rem;line-height:1.4;color:var(--ink);
  font-style:italic;letter-spacing:0}
.facts{border-top:1px solid var(--rule-2)}
.fact{display:grid;grid-template-columns:130px 1fr;gap:18px;padding:15px 0;
  border-bottom:1px solid var(--rule)}
.fact-n{font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--pine);
  padding-top:2px}
.fact-d{font-size:.94rem;line-height:1.5;color:var(--muted)}
.tlink{color:var(--ink);border-bottom:1px solid var(--brass);padding-bottom:2px}
.tlink:hover{color:var(--brass)}
.muted-p{color:var(--muted);font-size:.96rem}

/* ---------- steps ---------- */
.steps{list-style:none;margin:36px 0 0;padding:0;border-top:1px solid var(--ink)}
.step{display:grid;grid-template-columns:66px 1fr;gap:22px;padding:26px 0;
  border-bottom:1px solid var(--rule)}
.step-n{font-size:.9rem;font-weight:500;color:var(--brass);padding-top:5px}
.step-b h3{margin-bottom:.42em}
.step-b p{margin:0;color:var(--muted);font-size:1rem}

/* ---------- definitions (who) ---------- */
.dfns{display:grid;grid-template-columns:1fr 1fr;gap:0 clamp(32px,4vw,64px);margin-top:34px;
  border-top:1px solid var(--ink)}
.dfn{padding:26px 0;border-bottom:1px solid var(--rule)}
.dfn h3{margin-bottom:.45em}
.dfn p{margin:0;color:var(--muted);font-size:1rem}

/* ---------- why ---------- */
.whys{margin-top:34px;border-top:1px solid var(--ink)}
.why{display:grid;grid-template-columns:66px 1fr;gap:22px;padding:28px 0;
  border-bottom:1px solid var(--rule)}
.why-n{font-size:.9rem;font-weight:500;color:var(--brass);padding-top:5px}
.why-b h3{margin-bottom:.42em}
.why-b p{margin:0;color:var(--muted);font-size:1rem;max-width:70ch}

/* ---------- alarm (deadlines) ---------- */
.alarm{background:var(--oxblood);color:#F2E6E2;padding:var(--pad) 0}
.alarm .snum{color:rgba(242,230,226,.75)}
.alarm .slabel{color:rgba(242,230,226,.7);border-top-color:rgba(242,230,226,.3)}
.alarm .dh{color:#FBF3F0}
.alarm-p{font-size:1.12rem;line-height:1.6;color:#EEDCD7;max-width:66ch}

/* ---------- faq ---------- */
.faqs{margin-top:32px;border-top:1px solid var(--ink)}
.faq{border-bottom:1px solid var(--rule)}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:flex-start;gap:22px;
  justify-content:space-between;padding:20px 0}
.faq summary::-webkit-details-marker{display:none}
.faq-q{font-family:var(--emph);font-size:1.14rem;color:var(--ink);letter-spacing:0}
.faq summary:hover .faq-q{color:var(--brass)}
.faq-i{position:relative;width:13px;height:13px;flex-shrink:0;margin-top:8px}
.faq-i::before,.faq-i::after{content:"";position:absolute;background:var(--brass)}
.faq-i::before{top:6px;left:0;width:13px;height:1.5px}
.faq-i::after{left:6px;top:0;width:1.5px;height:13px;transition:opacity .2s}
.faq[open] .faq-i::after{opacity:0}
.faq-a{padding:0 60px 22px 0}
.faq-a p{margin:0;color:var(--muted);font-size:1rem}

/* ---------- prose ---------- */
.prose{max-width:74ch;counter-reset:psec}
.psec{counter-increment:psec;position:relative;margin-bottom:48px}
.psec:last-child{margin-bottom:0}
.psec h2{font-size:clamp(1.4rem,2.3vw,1.85rem);margin-bottom:.6em;padding-bottom:.45em;
  border-bottom:1px solid var(--rule)}
.psec>h2::before{content:"\00a7 " counter(psec,decimal-leading-zero);
  font-family:var(--mono);font-size:.6rem;letter-spacing:.12em;color:var(--brass);
  display:block;margin-bottom:12px;letter-spacing:.14em}
.prose p{color:var(--ink-2)}
.prose strong{color:var(--ink);font-weight:600}
.prose a:not(.tlink){border-bottom:1px solid var(--brass);padding-bottom:1px}
.prose a:not(.tlink):hover{color:var(--brass)}
.bul{list-style:none;margin:0 0 1.2em;padding:0}
.bul li{position:relative;padding-left:26px;margin-bottom:12px;color:var(--ink-2)}
.bul li::before{content:"";position:absolute;left:0;top:.72em;width:12px;height:1px;
  background:var(--brass)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0}
.chips a{font-family:var(--mono);font-size:.68rem;letter-spacing:.07em;color:var(--ink-2);
  border:1px solid var(--rule-2);padding:8px 13px}
.chips a:hover{border-color:var(--ink);color:var(--ink)}

/* ---------- related / guides / counties ---------- */
.rels{margin-top:30px;border-top:1px solid var(--ink)}
.rel{display:grid;grid-template-columns:minmax(0,22ch) 1fr;gap:26px;padding:20px 0;
  border-bottom:1px solid var(--rule);align-items:baseline}
.rel:hover .rel-t{color:var(--brass)}
.rel-t{font-family:var(--emph);font-size:1.12rem;color:var(--ink)}
.rel-d{font-size:.96rem;color:var(--muted)}
.gcards{border-top:1px solid var(--ink)}
.gcard{display:grid;grid-template-columns:60px 1fr;gap:20px;padding:26px 0;
  border-bottom:1px solid var(--rule)}
.gcard:hover .gcard-t{color:var(--brass)}
.gcard-n{font-size:.82rem;font-weight:500;color:var(--brass);padding-top:5px}
.gcard-b{display:block}
.gcard-t{display:block;font-family:var(--emph);font-size:1.28rem;color:var(--ink);
  margin-bottom:8px;letter-spacing:0}
.gcard-d{display:block;font-size:.98rem;color:var(--muted);max-width:76ch}
.crows{border-top:1px solid var(--ink)}
.crow-l{display:flex;align-items:baseline;gap:14px;padding:17px 0;
  border-bottom:1px solid var(--rule)}
.crow-l:hover .crow-n{color:var(--brass)}
.crow-n{font-family:var(--emph);font-size:1.14rem;color:var(--ink)}
.crow-d{flex:1;border-bottom:1px dotted var(--rule-2);transform:translateY(-5px)}
.crow-s{font-family:var(--mono);font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;
  color:var(--muted)}

/* ---------- page hero ---------- */
.phero{padding:clamp(34px,4vw,58px) 0 clamp(40px,4.5vw,68px);
  border-bottom:1px solid var(--rule)}
.phero h1{max-width:19ch}
.phero-b{display:grid;grid-template-columns:minmax(0,62ch) auto;gap:36px;
  align-items:end;margin-top:30px}
.phero .lead{max-width:62ch}

/* ---------- cta band ---------- */
.ctaband{background:var(--pine);color:var(--paper);padding:clamp(50px,5.5vw,80px) 0}
.ctaband-in{display:flex;align-items:flex-end;justify-content:space-between;gap:40px;
  flex-wrap:wrap}
.ctaband-t{max-width:52ch}
.ctaband h2{color:var(--paper);margin-bottom:.4em}
.ctaband p{color:rgba(244,241,233,.72);margin:0;font-size:1.04rem}
.ctaband-b{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- forms ---------- */
.two-form{display:grid;grid-template-columns:.88fr 1.12fr;gap:clamp(34px,4.5vw,68px);
  align-items:start}
.ministeps{list-style:none;margin:0 0 30px;padding:0;border-top:1px solid var(--rule-2)}
.ministeps li{display:grid;grid-template-columns:46px 1fr;gap:14px;padding:15px 0;
  border-bottom:1px solid var(--rule);color:var(--muted);font-size:.98rem}
.ministeps span{font-size:.74rem;font-weight:500;color:var(--brass);padding-top:4px}
.ministeps b{color:var(--ink);font-weight:600}
.ticks{list-style:none;margin:0 0 28px;padding:0}
.ticks li{position:relative;padding-left:28px;margin-bottom:11px;color:var(--ink-2);
  font-size:.99rem}
.ticks li::before{content:"";position:absolute;left:2px;top:8px;width:13px;height:7px;
  border-left:1.5px solid var(--fig);border-bottom:1.5px solid var(--fig);
  transform:rotate(-45deg)}
.orcall{font-size:1rem;color:var(--muted)}
.tel-big{font-family:var(--emph);font-size:1.2rem;color:var(--ink);
  border-bottom:1px solid var(--brass)}
.cbox{border-top:1px solid var(--ink);margin-top:28px}
.crow2{display:grid;grid-template-columns:110px 1fr;gap:18px;padding:13px 0;
  border-bottom:1px solid var(--rule);font-size:.97rem}
.crow2-k{font-size:.64rem;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);
  padding-top:5px}
.crow2-v{color:var(--ink)}
.crow2-v a{border-bottom:1px solid var(--brass)}

.lf{background:var(--paper-3);border:1px solid var(--ink);padding:clamp(22px,2.6vw,32px)}
.hp{position:absolute!important;left:-9999px!important}
.lf-hd{display:flex;justify-content:space-between;gap:14px;padding-bottom:16px;
  margin-bottom:24px;border-bottom:1px solid var(--ink);font-size:.66rem;letter-spacing:.16em;
  text-transform:uppercase;color:var(--ink)}
.lf-hd span:last-child{color:var(--brass)}
.lf-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px}
.fld{display:flex;flex-direction:column;gap:7px;min-width:0}
.fld-wide{grid-column:1/-1}
.fld label{font-size:.63rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.req{color:var(--oxblood)}
.fld input,.fld select,.fld textarea{font-family:var(--body);font-size:1rem;color:var(--ink);
  background:transparent;border:0;border-bottom:1px solid var(--rule-2);padding:9px 2px;
  width:100%;transition:border-color .15s ease}
.fld textarea{resize:vertical;line-height:1.55;border:1px solid var(--rule-2);padding:11px 12px}
.fld select{appearance:none;-webkit-appearance:none;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 16 16'%3E%3Cpath d='M3 6l5 5 5-5' fill='none' stroke='%236B6558' stroke-width='1.5'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 2px center;padding-right:26px}
.fld input::placeholder,.fld textarea::placeholder{color:#A9A294}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--ink)}
.lf-invalid{border-color:var(--oxblood)!important}
.lf-foot{margin-top:28px}
.lf-fine{margin:16px 0 0;font-family:var(--mono);font-size:.63rem;line-height:1.65;
  color:var(--muted)}
.lf-fine a{border-bottom:1px solid var(--rule-2)}
.lf-status{margin:14px 0 0;font-size:.95rem;min-height:1.2em}
.lf-status.err{color:var(--oxblood)}
.lf-status.ok{color:var(--fig)}
.lf-demo{margin:14px 0 0;font-family:var(--mono);font-size:.63rem;line-height:1.6;
  color:var(--muted);border:1px dashed var(--rule-2);padding:12px}

/* ---------- crumbs ---------- */
.crumbs{padding-top:22px;font-size:.66rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--muted);display:flex;flex-wrap:wrap;align-items:center;gap:9px}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--brass)}
.crumbs .sep{opacity:.45}
.crumbs [aria-current]{color:var(--ink)}

/* ---------- footer ---------- */
.ftr{background:var(--pine);color:rgba(244,241,233,.72);padding:clamp(54px,6vw,84px) 0 34px;
  font-size:.96rem}
.ftr-top{display:grid;grid-template-columns:1.1fr 1.9fr;gap:clamp(34px,5vw,72px)}
.fbrand-p{margin:22px 0 26px;color:rgba(244,241,233,.6);font-size:.95rem;max-width:42ch}
.fmetas{border-top:1px solid rgba(244,241,233,.18)}
.fmeta{display:grid;grid-template-columns:96px 1fr;gap:14px;padding:11px 0;
  border-bottom:1px solid rgba(244,241,233,.13)}
.fmeta-k{font-size:.6rem;letter-spacing:.15em;text-transform:uppercase;
  color:rgba(244,241,233,.45);padding-top:4px}
.fmeta-v{font-size:.94rem;color:rgba(244,241,233,.85)}
.fmeta-v a{color:rgba(244,241,233,.85)}
.fmeta-v a:hover{color:var(--brass-lt)}
.fcols{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.fcol h4{font-size:.62rem;font-weight:500;letter-spacing:.17em;text-transform:uppercase;
  color:var(--brass-lt);margin:0 0 16px;padding-bottom:11px;
  border-bottom:1px solid rgba(244,241,233,.18)}
.fcol ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:11px}
.fcol a{color:rgba(244,241,233,.7);font-size:.95rem}
.fcol a:hover{color:var(--paper)}
.ftr-legal{margin-top:48px;padding-top:26px;border-top:1px solid rgba(244,241,233,.18)}
.disclaimer{font-size:.8rem;line-height:1.7;color:rgba(244,241,233,.5);margin:0 0 22px;
  max-width:98ch}
.ftr-btm{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;
  font-family:var(--mono);font-size:.63rem;letter-spacing:.11em;text-transform:uppercase;
  color:rgba(244,241,233,.42)}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  :root{--marg:132px}
  .egrid{gap:0 34px}
  .hero-cols{grid-template-columns:1fr;gap:40px}
  .hero-h1{max-width:none}
  .hero-r{max-width:540px}
  .two-col{grid-template-columns:1fr;gap:36px}
  .dfns{grid-template-columns:1fr}
  .two-form{grid-template-columns:1fr;gap:40px}
  .ftr-top{grid-template-columns:1fr;gap:40px}
  .phero-b{grid-template-columns:1fr;gap:28px;align-items:start}
  .trust-in{grid-template-columns:1fr 1fr}
  .ts{border-bottom:1px solid var(--rule)}
  .ts:nth-child(2n){border-right:0}
  .ts:nth-child(2n+1){padding-left:0}
  .ts:nth-child(2n){padding-left:26px}
}
@media (max-width:880px){
  .hdr-nav{position:fixed;top:83px;left:0;right:0;background:var(--paper);
    border-bottom:1px solid var(--rule);flex-direction:column;gap:0;padding:6px 32px 18px;
    display:none}
  .hdr.open .hdr-nav{display:flex}
  .hdr-nav a{padding:15px 0;border-bottom:1px solid var(--rule);font-size:.76rem}
  .hdr-nav a:last-child{border-bottom:0}
  .hdr-in{gap:14px}
  .hdr-burger{display:flex;order:3;padding:8px 0 8px 4px}
  .hdr-r{margin-left:auto;order:2}
  .hdr-tel{display:none}
  .egrid{grid-template-columns:1fr;gap:0}
  .marg{display:flex;align-items:baseline;gap:14px;margin-bottom:26px;
    padding-bottom:11px;border-bottom:1px solid var(--rule-2)}
  .slabel{margin-top:0;padding-top:0;border-top:0}
  .rel{grid-template-columns:1fr;gap:7px}
  .ctaband-in{align-items:flex-start}
}
@media (max-width:640px){
  body{font-size:18px}
  .wrap{padding:0 20px}
  .hdr-nav{padding:6px 20px 18px}
  .wm-b{display:none}
  .hdr-r .btn{padding:10px 13px;font-size:.62rem}
  .trust-in{grid-template-columns:1fr}
  .ts,.ts+.ts{padding:20px 0;border-right:0;padding-left:0}
  .lf-grid{grid-template-columns:1fr}
  .fact{grid-template-columns:1fr;gap:5px}
  .step,.why,.gcard{grid-template-columns:1fr;gap:8px}
  .step-n,.why-n,.gcard-n{padding-top:0}
  .hero-ctas .btn,.ctaband-b .btn{width:100%}
  .fcols{grid-template-columns:1fr}
  .faq-a{padding-right:0}
  .ln.tot .ln-v{font-size:1.75rem}
  .crow2,.fmeta{grid-template-columns:1fr;gap:3px}
  .stmt{padding:20px}
}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}
@media print{.hdr,.topbar,.ftr,.ctaband,.lf{display:none}}