:root {
    --brand: #16324A;          /* Chesapeake navy */
    --brand-deep: #0E2233;
    --brand-teal: #1E4D6B;
    --paper: #FFFFFF;
    --tint: #EEF3F7;
    --tint-2: #DDE6EE;
    --line: #CBD6E0;
    --head: #16324A;
    --text: #27323C;
    --muted: #5C6977;
    --accent: #E3A82B;         /* marigold: the one call-to-action colour */
    --accent-hover: #F2BA3F;
    --accent-ink: #16324A;
    --accent-soft: rgba(227, 168, 43, .16);
    --affirm: #2F7D4E;
    --affirm-soft: rgba(47, 125, 78, .12);
    --hearth: #9A3F2C;
    --on-brand: #FFFFFF;
    --on-brand-muted: #B9C8D5;
    --card: #FFFFFF;
    --focus: #1F6FD0;
    --shadow-sm: 0 1px 2px rgba(22, 50, 74, .06), 0 6px 18px -8px rgba(22, 50, 74, .18);
    --shadow: 0 2px 4px rgba(22, 50, 74, .05), 0 24px 48px -20px rgba(22, 50, 74, .35);
    --shadow-lg: 0 40px 80px -30px rgba(14, 34, 51, .55);
  }
  @media (prefers-color-scheme: dark) {
    :root:not([data-theme="light"]) {
      --paper: #0F1B27; --tint: #142434; --tint-2: #1C3043; --line: #2B4258; --card: #162838;
      --head: #EEF3F7; --text: #D7E0E8; --muted: #A3B2BF;
      --brand: #132C42; --brand-deep: #0A1724; --brand-teal: #1A4560;
      --accent-ink: #0F1B27; --affirm: #71C592; --affirm-soft: rgba(113, 197, 146, .14); --hearth: #E8917C;
      --shadow-sm: 0 1px 2px rgba(0,0,0,.4), 0 6px 18px -8px rgba(0,0,0,.6);
      --shadow: 0 2px 4px rgba(0,0,0,.4), 0 24px 48px -20px rgba(0,0,0,.8);
      --shadow-lg: 0 40px 80px -30px rgba(0,0,0,.9);
    }
  }
  :root[data-theme="dark"] {
    --paper: #0F1B27; --tint: #142434; --tint-2: #1C3043; --line: #2B4258; --card: #162838;
    --head: #EEF3F7; --text: #D7E0E8; --muted: #A3B2BF;
    --brand: #132C42; --brand-deep: #0A1724; --brand-teal: #1A4560;
    --accent-ink: #0F1B27; --affirm: #71C592; --affirm-soft: rgba(113, 197, 146, .14); --hearth: #E8917C;
    --shadow-sm: 0 1px 2px rgba(0,0,0,.4), 0 6px 18px -8px rgba(0,0,0,.6);
    --shadow: 0 2px 4px rgba(0,0,0,.4), 0 24px 48px -20px rgba(0,0,0,.8);
    --shadow-lg: 0 40px 80px -30px rgba(0,0,0,.9);
  }

  * { box-sizing: border-box; }
  html { scroll-behavior: smooth; }
  @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
  body { margin: 0; background: var(--paper); color: var(--text); font-family: "Public Sans", "Segoe UI", Arial, sans-serif; font-size: 19px; line-height: 1.6; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
  h1, h2, h3 { font-family: "Newsreader", Georgia, "Times New Roman", serif; color: var(--head); font-weight: 500; line-height: 1.1; margin: 0; text-wrap: balance; letter-spacing: -.008em; }
  h1 { font-size: clamp(2.6rem, 5.6vw, 4.4rem); font-variation-settings: "opsz" 72; }
  h2 { font-size: clamp(2rem, 3.6vw, 2.9rem); font-variation-settings: "opsz" 48; }
  h3 { font-size: 1.45rem; font-variation-settings: "opsz" 24; }
  p { margin: 0; }
  a { color: var(--head); text-decoration-thickness: 1.5px; text-underline-offset: 3px; }
  a:focus-visible, button:focus-visible, input:focus-visible, summary:focus-visible, [tabindex]:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; }
  img { max-width: 100%; display: block; }
  .wrap { width: min(1200px, 100% - 2.5rem); margin-inline: auto; }
  .eyebrow { font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
  .eyebrow.amber { color: var(--accent); }
  .muted { color: var(--muted); }
  .num { font-variant-numeric: tabular-nums; }
  .ico { width: 24px; height: 24px; flex: none; }

  /* Buttons */
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: .6rem; min-height: 60px; padding: .75rem 1.75rem; border-radius: 10px; font: 600 1.06rem/1.2 "Public Sans", sans-serif; text-decoration: none; cursor: pointer; border: 2px solid transparent; transition: background .15s, border-color .15s, transform .15s, box-shadow .15s; white-space: nowrap; }
  .btn:hover { transform: translateY(-1px); }
  .btn:active { transform: translateY(1px); }
  .btn-accent { background: var(--accent); color: var(--accent-ink); border-color: var(--accent); box-shadow: 0 10px 24px -10px rgba(227, 168, 43, .7); }
  .btn-accent:hover { background: var(--accent-hover); border-color: var(--accent-hover); box-shadow: 0 14px 28px -10px rgba(227, 168, 43, .8); }
  .btn-ghost { background: transparent; color: var(--head); border-color: var(--line); }
  .btn-ghost:hover { border-color: var(--head); background: var(--tint); }
  .btn-on-brand { background: rgba(255,255,255,.08); color: #fff; border-color: rgba(255,255,255,.35); backdrop-filter: blur(6px); }
  .btn-on-brand:hover { background: rgba(255,255,255,.14); border-color: #fff; }
  .btn .ico { width: 22px; height: 22px; }

  /* Call bar + header */
  .callbar { background: var(--brand-deep); color: var(--on-brand-muted); font-size: .92rem; }
  .callbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 1rem; min-height: 42px; flex-wrap: wrap; }
  .callbar b { color: #fff; font-weight: 600; }
  .callbar a { color: #fff; font-weight: 700; text-decoration: none; }
  .callbar a:hover { text-decoration: underline; text-decoration-color: var(--accent); }
  .site-head { background: var(--brand); color: var(--on-brand); position: sticky; top: 0; z-index: 30; box-shadow: 0 1px 0 rgba(255,255,255,.06), 0 10px 30px -20px rgba(0,0,0,.6); }
  .site-head .wrap { display: flex; align-items: center; gap: 1.25rem; min-height: 82px; width: min(1320px, 100% - 2.5rem); position: relative; }
  .brandmark { display: flex; align-items: center; gap: .9rem; color: #fff; text-decoration: none; margin-right: auto; }
  .brandmark .lockup { display: grid; justify-items: center; gap: .15rem; }
  .brandmark .mono { font-family: "Newsreader", serif; font-weight: 600; font-size: 2rem; line-height: .9; letter-spacing: -.06em; color: #fff; font-variation-settings: "opsz" 72; }
  .brandmark .mono i { font-style: normal; color: var(--accent); }
  .brandmark .sub { font: 700 .56rem/1 "Public Sans", sans-serif; letter-spacing: .22em; text-transform: uppercase; color: var(--accent); white-space: nowrap; }
  .brandmark .divider { width: 1px; height: 38px; background: rgba(255,255,255,.18); }
  .brandmark .name { font-family: "Newsreader", serif; font-size: 1.45rem; font-weight: 500; letter-spacing: -.01em; white-space: nowrap; line-height: 1.1; }
  .brandmark .name small { display: block; font: 500 .78rem/1.3 "Public Sans", sans-serif; color: var(--on-brand-muted); letter-spacing: .02em; }
  @media (max-width: 480px) { .brandmark .divider, .brandmark .name { display: none; } }
  nav.primary { display: flex; gap: .15rem; }
  nav.primary a { color: #fff; text-decoration: none; padding: .6rem .7rem; border-radius: 8px; font-weight: 500; font-size: .95rem; white-space: nowrap; }
  nav.primary a:hover { background: rgba(255,255,255,.1); }
  nav.primary a[aria-current="page"] { box-shadow: inset 0 -3px 0 var(--accent); border-radius: 8px 8px 0 0; }
  .head-call { display: inline-flex; align-items: center; gap: .5rem; background: var(--accent); color: var(--accent-ink); text-decoration: none; font-weight: 700; padding: .7rem 1.15rem; border-radius: 10px; font-size: 1.05rem; white-space: nowrap; transition: background .15s; }
  .head-call:hover { background: var(--accent-hover); }
  .menu-btn { display: none; background: none; border: 2px solid rgba(255,255,255,.5); color: #fff; border-radius: 8px; padding: .5rem .8rem; font: 600 1rem "Public Sans", sans-serif; cursor: pointer; }
  @media (max-width: 1180px) {
    nav.primary { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--brand); flex-direction: column; padding: .75rem 1.25rem 1.25rem; border-top: 1px solid rgba(255,255,255,.1); }
    nav.primary.open { display: flex; }
    nav.primary a { font-size: 1.15rem; padding: .85rem .8rem; }
    .menu-btn { display: inline-block; }
    .head-call span { display: none; }
  }

  /* Hero */
  .hero { position: relative; color: var(--on-brand); background: radial-gradient(900px 500px at 88% -10%, rgba(227,168,43,.28), transparent 60%), radial-gradient(700px 500px at 0% 100%, rgba(30,77,107,.9), transparent 60%), linear-gradient(160deg, var(--brand-deep) 0%, var(--brand) 55%, var(--brand-teal) 100%); padding: clamp(3.5rem, 7vw, 6.5rem) 0 clamp(6rem, 9vw, 8rem); overflow: hidden; }
  .hero::after { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .07; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='160' height='160' filter='url(%23n)'/%3E%3C/svg%3E"); }
  .hero .wrap { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(320px, .9fr); gap: clamp(2.5rem, 6vw, 5rem); align-items: center; }
  .hero h1 { color: #fff; margin-top: .9rem; }
  .hero .swash { position: relative; display: inline-block; white-space: nowrap; }
  .hero .swash svg { position: absolute; left: -2%; right: -2%; bottom: -.12em; width: 104%; height: .32em; overflow: visible; }
  .hero .swash path { fill: none; stroke: var(--accent); stroke-width: 7; stroke-linecap: round; }
  .hero p.lede { font-size: 1.3rem; line-height: 1.5; max-width: 34ch; margin-top: 1.5rem; color: var(--on-brand-muted); }
  .hero .ctas { display: flex; flex-wrap: wrap; gap: .9rem; margin-top: 2.2rem; }
  .hero .fine { margin-top: 1.1rem; font-size: .95rem; color: var(--on-brand-muted); max-width: 46ch; }
  .hero-visual { position: relative; padding: 0 0 3.5rem 2.5rem; }
  .hero-photo { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; object-position: center 30%; border-radius: 22px; box-shadow: var(--shadow-lg); outline: 1px solid rgba(255,255,255,.18); outline-offset: -1px; }
  .mark-card { position: absolute; left: 0; bottom: 0; display: grid; grid-template-columns: 78px 1fr; gap: 1rem; align-items: center; background: var(--card); color: var(--text); border-radius: 16px; padding: 1rem 1.25rem 1rem 1rem; box-shadow: var(--shadow-lg); max-width: 380px; border: 1px solid var(--line); }
  .mark-card img { width: 78px; height: 78px; border-radius: 50%; object-fit: cover; outline: 3px solid var(--accent); outline-offset: 2px; }
  .mark-card strong { display: block; font-family: "Newsreader", serif; font-size: 1.35rem; font-weight: 500; color: var(--head); line-height: 1.1; }
  .mark-card span { display: block; font-size: .88rem; color: var(--muted); margin-top: .25rem; line-height: 1.4; }
  .mark-card a { font-weight: 700; font-size: .95rem; text-decoration: none; display: inline-block; margin-top: .35rem; }
  .mark-card a:hover { text-decoration: underline; text-decoration-color: var(--accent); }
  @media (max-width: 900px) { .hero .wrap { grid-template-columns: 1fr; } .hero-visual { padding-left: 0; max-width: 560px; } .mark-card { position: static; margin-top: -2.5rem; margin-left: 1rem; } }

  /* Trust card overlapping the hero */
  .trust-wrap { position: relative; z-index: 2; margin-top: -4.25rem; }
  .trust { display: grid; grid-template-columns: repeat(4, 1fr); background: var(--card); border-radius: 18px; box-shadow: var(--shadow); border: 1px solid var(--line); overflow: hidden; }
  .trust > div { padding: 1.6rem 1.5rem; display: grid; grid-template-columns: 46px 1fr; gap: 1rem; align-items: start; border-left: 1px solid var(--line); }
  .trust > div > div { display: block; }
  .trust > div:first-child { border-left: 0; }
  .trust .bubble { width: 46px; height: 46px; border-radius: 12px; background: var(--accent-soft); color: var(--accent); display: grid; place-items: center; }
  .trust .bubble .ico { width: 24px; height: 24px; }
  .trust b { display: block; font-family: "Newsreader", serif; font-size: 1.7rem; font-weight: 500; color: var(--head); line-height: 1.05; }
  .trust span { color: var(--muted); font-size: .92rem; line-height: 1.4; display: block; margin-top: .25rem; }
  @media (max-width: 960px) { .trust { grid-template-columns: 1fr 1fr; } .trust > div:nth-child(3) { border-left: 0; } .trust > div:nth-child(n+3) { border-top: 1px solid var(--line); } }
  @media (max-width: 560px) { .trust { grid-template-columns: 1fr; } .trust > div { border-left: 0; border-top: 1px solid var(--line); } .trust > div:first-child { border-top: 0; } }

  /* Sections */
  section.band { padding: clamp(4rem, 8vw, 7rem) 0; }
  section.band.tint { background: var(--tint); }
  .sec-head { display: grid; gap: .8rem; margin-bottom: 2.75rem; max-width: 62ch; }
  .sec-head p.sub { font-size: 1.15rem; color: var(--muted); max-width: 56ch; }
  .card { background: var(--card); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s; }
  .card.lift:hover { transform: translateY(-3px); box-shadow: var(--shadow); }

  /* Familiar */
  .familiar { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
  .familiar ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .9rem; }
  .familiar li { display: grid; grid-template-columns: 40px 1fr; gap: 1rem; font-size: 1.15rem; align-items: start; padding: 1rem 1.1rem; border-radius: 12px; background: var(--card); border: 1px solid var(--line); }
  .familiar li .tick { width: 40px; height: 40px; border-radius: 50%; background: var(--affirm-soft); color: var(--affirm); display: grid; place-items: center; }
  .familiar .aside { background: linear-gradient(160deg, var(--brand), var(--brand-teal)); color: #fff; border-radius: 20px; padding: 2.4rem; box-shadow: var(--shadow); position: relative; overflow: hidden; }
  .familiar .aside::before { content: "\201C"; position: absolute; right: 1.2rem; top: -.6rem; font-family: "Newsreader", serif; font-size: 9rem; line-height: 1; color: rgba(227,168,43,.35); }
  .familiar .aside h3 { color: #fff; font-size: 1.7rem; }
  .familiar .aside p { color: var(--on-brand-muted); margin-top: 1rem; font-size: 1.05rem; }
  @media (max-width: 900px) { .familiar { grid-template-columns: 1fr; } }

  /* Steps */
  .steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
  .steps > div { padding: 2.2rem 2rem; display: grid; align-content: start; gap: .6rem; }
  .steps .bubble { width: 60px; height: 60px; border-radius: 16px; background: var(--brand); color: var(--accent); display: grid; place-items: center; margin-bottom: .8rem; }
  .steps .bubble .ico { width: 28px; height: 28px; }
  .steps .eyebrow { color: var(--accent); }
  @media (max-width: 900px) { .steps { grid-template-columns: 1fr; } }

  /* Payment arithmetic */
  .calc { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
  .calc-box { border-radius: 20px; overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--line); background: var(--card); }
  .calc-box .top { background: var(--brand); color: #fff; padding: 1.5rem 2rem; }
  .calc-box .top label { display: block; font-weight: 600; color: var(--on-brand-muted); font-size: .95rem; }
  .calc-box .top .readout { font-family: "Newsreader", serif; font-size: 3rem; line-height: 1; margin: .3rem 0 1rem; }
  input[type=range] { width: 100%; accent-color: var(--accent); height: 44px; cursor: pointer; }
  .calc-box .body { padding: 1.75rem 2rem 2rem; }
  .calc-box .result b { display: block; font-family: "Newsreader", serif; font-size: 3.6rem; font-weight: 500; color: var(--hearth); line-height: 1; margin: .35rem 0 .5rem; }
  .calc-box .five { margin-top: 1.1rem; padding-top: 1.1rem; border-top: 1px dashed var(--line); display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; }
  .calc-box .five b { font-family: "Newsreader", serif; font-size: 1.8rem; font-weight: 500; color: var(--head); }
  .calc-box .fine { font-size: .88rem; color: var(--muted); margin-top: 1.1rem; }
  @media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }

  /* Signature quote */
  .signature { border-left: 5px solid var(--accent); padding: .4rem 0 .4rem 1.75rem; max-width: 48ch; }
  .signature p { font-family: "Newsreader", serif; font-size: clamp(1.5rem, 2.8vw, 2.1rem); line-height: 1.3; color: var(--head); font-style: italic; font-weight: 400; }
  .signature cite { display: block; margin-top: .9rem; font-style: normal; font-size: .95rem; color: var(--muted); font-weight: 600; }

  /* Qualify checklist */
  .checklist { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
  .checklist > div { display: grid; grid-template-columns: 44px 1fr; gap: 1rem; align-items: start; padding: 1.8rem; }
  .checklist .tick { width: 44px; height: 44px; border-radius: 50%; background: var(--affirm-soft); color: var(--affirm); display: grid; place-items: center; }
  .checklist .tick .ico { width: 26px; height: 26px; }
  .checklist h3 { font-size: 1.35rem; margin-bottom: .35rem; }
  .checklist p { font-size: 1.02rem; }
  @media (max-width: 900px) { .checklist { grid-template-columns: 1fr; } }

  /* Testimonials */
  .quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
  .quotes figure { margin: 0; padding: 1.8rem 1.7rem; display: grid; grid-template-rows: auto 1fr auto; gap: 1rem; }
  .quotes .stars { display: flex; gap: .15rem; color: var(--accent); }
  .quotes .stars svg { width: 20px; height: 20px; }
  .quotes blockquote { margin: 0; font-size: 1.05rem; line-height: 1.55; }
  .quotes figcaption { display: flex; gap: .8rem; align-items: center; font-size: .9rem; color: var(--muted); padding-top: 1rem; border-top: 1px solid var(--line); }
  .quotes .init { width: 42px; height: 42px; border-radius: 50%; background: var(--brand); color: #fff; display: grid; place-items: center; font-family: "Newsreader", serif; font-size: 1.2rem; flex: none; }
  .quotes figcaption b { color: var(--head); font-weight: 600; display: block; }
  @media (max-width: 960px) { .quotes { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 640px) { .quotes { grid-template-columns: 1fr; } }

  /* Featured */
  .featured { display: grid; grid-template-columns: 1fr 2fr; gap: 2.5rem; align-items: center; padding: 2.5rem; }
  .featured img { height: 44px; width: auto; }
  .featured blockquote { margin: 0; font-family: "Newsreader", serif; font-size: 1.35rem; line-height: 1.4; color: var(--head); }
  .featured .src { font-family: "Public Sans", sans-serif; font-size: .95rem; color: var(--muted); display: block; margin-top: .7rem; }
  @media (max-width: 760px) { .featured { grid-template-columns: 1fr; padding: 1.75rem; } }

  /* FAQ */
  .faq { max-width: 78ch; display: grid; gap: .8rem; margin-inline: auto; }
  .faq-wrap { text-align: center; }
  .faq-wrap .sec-head { margin-inline: auto; justify-items: center; }
  .faq-wrap .faq { text-align: left; }
  .faq details { border: 1px solid var(--line); border-radius: 14px; background: var(--card); padding: 0 1.5rem; transition: box-shadow .2s; }
  .faq details[open] { box-shadow: var(--shadow-sm); }
  .faq summary { list-style: none; cursor: pointer; padding: 1.25rem 3.25rem 1.25rem 0; font-family: "Newsreader", serif; font-size: 1.4rem; color: var(--head); position: relative; font-weight: 500; line-height: 1.25; }
  .faq summary::-webkit-details-marker { display: none; }
  .faq summary::after { content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%); width: 38px; height: 38px; border-radius: 50%; background: var(--accent-soft); color: var(--accent); display: grid; place-items: center; font-family: "Public Sans", sans-serif; font-size: 1.6rem; font-weight: 500; line-height: 1; }
  .faq details[open] summary::after { content: "\2212"; }
  .faq .a { padding: 0 0 1.5rem; max-width: 66ch; }
  .faq .a p + p, .faq .a ul { margin-top: .8rem; }
  .faq .a ul { padding-left: 1.3rem; }

  /* Articles */
  .posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
  .posts a.post { display: grid; grid-template-rows: auto auto 1fr auto; text-decoration: none; overflow: hidden; }
  .posts a.post .cover { background: linear-gradient(160deg, var(--brand), var(--brand-teal)); color: var(--on-brand-muted); padding: 1.4rem 1.6rem; display: flex; justify-content: space-between; align-items: center; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; font-weight: 700; }
  .posts a.post .cover .ico { color: var(--accent); }
  .posts a.post h3 { font-size: 1.35rem; padding: 1.4rem 1.6rem 0; }
  .posts a.post .more { color: var(--head); font-weight: 600; font-size: .95rem; padding: 1.2rem 1.6rem 1.5rem; display: flex; align-items: center; gap: .4rem; }
  .posts a.post .more .ico { width: 18px; height: 18px; transition: transform .15s; }
  .posts a.post:hover .more .ico { transform: translateX(3px); }
  @media (max-width: 900px) { .posts { grid-template-columns: 1fr; } }
  .posts a.post p.sum { padding: .7rem 1.6rem 0; font-size: .98rem; color: var(--text); }
  .chip { display: inline-block; font: 700 .72rem/1 "Public Sans", sans-serif; letter-spacing: .1em; text-transform: uppercase; color: var(--accent); }

  /* Articles page */
  .articles-head { text-align: center; }
  .articles-head .wrap { justify-items: center; }
  .filters { display: flex; flex-wrap: wrap; justify-content: center; gap: .6rem; margin: 0 auto 2.5rem; }
  .filters button { font: 600 .95rem "Public Sans", sans-serif; padding: .7rem 1.2rem; border-radius: 999px; border: 2px solid var(--line); background: var(--card); color: var(--head); cursor: pointer; min-height: 48px; transition: border-color .15s, background .15s; }
  .filters button:hover { border-color: var(--head); }
  .filters button[aria-pressed="true"] { background: var(--brand); border-color: var(--brand); color: #fff; }
  .feature-post { display: grid; grid-template-columns: 1.1fr .9fr; text-decoration: none; overflow: hidden; margin: 0 auto 2rem; max-width: 1040px; }
  .feature-post .cover { background: linear-gradient(160deg, var(--brand), var(--brand-teal)); color: #fff; padding: 2.5rem; display: grid; align-content: center; gap: .8rem; }
  .feature-post .cover .chip { color: var(--accent); }
  .feature-post .cover h3 { color: #fff; font-size: clamp(1.6rem, 2.6vw, 2.2rem); }
  .feature-post .cover time { color: var(--on-brand-muted); font-size: .9rem; }
  .feature-post .body { padding: 2.5rem; display: grid; align-content: center; gap: 1rem; }
  .feature-post .body p { font-size: 1.1rem; }
  .feature-post .more { color: var(--head); font-weight: 600; display: flex; align-items: center; gap: .4rem; }
  .feature-post .more .ico { width: 18px; height: 18px; }
  .post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; max-width: 1040px; margin: 0 auto; }
  .post-grid a.post { display: grid; grid-template-rows: auto auto 1fr auto; text-decoration: none; padding: 1.6rem 1.6rem 1.4rem; gap: .6rem; align-content: start; }
  .post-grid a.post .meta { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; }
  .post-grid a.post time { color: var(--muted); font-size: .85rem; font-variant-numeric: tabular-nums; white-space: nowrap; }
  .post-grid a.post h3 { font-size: 1.3rem; }
  .post-grid a.post p { font-size: .95rem; color: var(--text); }
  .post-grid a.post .more { color: var(--head); font-weight: 600; font-size: .92rem; display: flex; align-items: center; gap: .4rem; padding-top: .4rem; }
  .post-grid a.post .more .ico { width: 16px; height: 16px; transition: transform .15s; }
  .post-grid a.post:hover .more .ico { transform: translateX(3px); }
  .post-grid a.post[hidden] { display: none; }
  .count { text-align: center; color: var(--muted); font-size: .95rem; margin: 0 0 1.5rem; }

  /* Article page */
  .article-head { background: linear-gradient(180deg, var(--tint), var(--paper)); padding: clamp(2.5rem, 5vw, 4rem) 0 clamp(2rem, 4vw, 3rem); text-align: center; }
  .article-head .wrap { display: grid; gap: 1rem; max-width: 76ch; margin-inline: auto; justify-items: center; }
  .article-head .back { font-size: .95rem; font-weight: 600; text-decoration: none; display: inline-flex; align-items: center; gap: .4rem; color: var(--muted); }
  .article-head .back:hover { color: var(--head); }
  .article-head .back .ico { width: 18px; height: 18px; transform: rotate(180deg); }
  .article-head h1 { font-size: clamp(2.2rem, 4.4vw, 3.4rem); }
  .article-head .meta { display: flex; flex-wrap: wrap; justify-content: center; gap: .5rem 1.2rem; color: var(--muted); font-size: .95rem; align-items: center; }
  .article-head .meta b { color: var(--head); font-weight: 600; }
  .article-head .dek { font-size: 1.25rem; color: var(--muted); max-width: 60ch; }
  .article-body { max-width: 68ch; margin: 0 auto; font-size: 1.15rem; line-height: 1.7; }
  .article-body > * + * { margin-top: 1.1em; }
  .article-body h2 { font-size: 1.85rem; margin-top: 2.2em; line-height: 1.2; }
  .article-body h3 { font-size: 1.4rem; margin-top: 1.8em; }
  .article-body h2 + h3, .article-body h2 + p, .article-body h3 + p { margin-top: .7em; }
  .article-body ul, .article-body ol { padding-left: 1.4em; }
  .article-body li + li { margin-top: .45em; }
  .article-body a { color: var(--head); text-decoration-color: var(--accent); text-decoration-thickness: 2px; }
  .article-body strong { color: var(--head); }
  .article-body blockquote { margin: 1.6em 0; padding: .3rem 0 .3rem 1.5rem; border-left: 5px solid var(--accent); font-family: "Newsreader", serif; font-size: 1.35rem; font-style: italic; color: var(--head); }
  .article-body hr { border: 0; border-top: 1px solid var(--line); margin: 2.2em 0; }
  .article-body table { width: 100%; border-collapse: collapse; font-size: 1rem; display: block; overflow-x: auto; }
  .article-body th, .article-body td { text-align: left; padding: .7rem .9rem; border-bottom: 1px solid var(--line); vertical-align: top; }
  .article-body th { color: var(--head); font-weight: 600; background: var(--tint); }
  .author-card { max-width: 68ch; margin: 3.5rem auto 0; display: grid; grid-template-columns: 96px 1fr auto; gap: 1.5rem; align-items: center; padding: 1.75rem 2rem; }
  .author-card img { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; outline: 3px solid var(--accent); outline-offset: 2px; }
  .author-card strong { display: block; font-family: "Newsreader", serif; font-size: 1.4rem; font-weight: 500; color: var(--head); }
  .author-card p { font-size: .98rem; color: var(--muted); margin-top: .3rem; }
  @media (max-width: 700px) { .author-card { grid-template-columns: 96px 1fr; } .author-card .btn { grid-column: 1 / -1; } }
  .related { max-width: 1040px; margin: 0 auto; }
  .cta-inline { margin: 2.5em 0; padding: 2rem 2.25rem; border-radius: 18px; background: linear-gradient(160deg, var(--brand), var(--brand-teal)); color: #fff; display: grid; gap: 1.4rem; }
  .cta-inline h3 { color: #fff; font-size: 1.6rem; }
  .cta-inline p { color: var(--on-brand-muted); font-size: 1.02rem; margin-top: .5rem; }
  .cta-inline .btns { display: flex; flex-wrap: wrap; gap: .8rem; }
  .article-body .cta-inline a.btn { text-decoration: none; }
  .article-body .cta-inline a.btn-on-brand { color: #fff; border-color: rgba(255,255,255,.6); }
  .article-body .cta-inline a.btn-accent { color: var(--accent-ink); }
  .article-body .quotes.local { display: grid; grid-template-columns: 1fr; gap: 1rem; margin-top: 1.2em; }
  .article-body .quotes.local blockquote { border: 0; padding: 0; margin: 0; font-family: "Public Sans", sans-serif; font-style: normal; font-size: 1.02rem; color: var(--text); }
  .article-body .quotes.local figure { padding: 1.4rem 1.5rem; }
  .article-body .quotes.local figcaption { padding-top: .8rem; }
  .article-body .faq { margin-top: 1.2em; }
  .article-body .faq summary { font-size: 1.25rem; }
  .article-body .faq .a p { font-size: 1.05rem; }
  .nearby { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
  .nearby a { display: grid; gap: .2rem; padding: 1.2rem 1.4rem; text-decoration: none; }
  .nearby a b { font-family: "Newsreader", serif; font-weight: 500; font-size: 1.3rem; color: var(--head); }
  .nearby a span { font-size: .9rem; color: var(--muted); }
  @media (max-width: 700px) { .nearby { grid-template-columns: 1fr; } }
  .related h2 { text-align: center; margin-bottom: 1.75rem; }
  .pager { max-width: 68ch; margin: 2.5rem auto 0; display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
  .pager a { display: grid; gap: .3rem; padding: 1.1rem 1.3rem; text-decoration: none; }
  .pager a.next { text-align: right; }
  .pager a span { font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
  .pager a b { font-family: "Newsreader", serif; font-weight: 500; font-size: 1.15rem; color: var(--head); line-height: 1.25; }
  @media (max-width: 600px) { .pager { grid-template-columns: 1fr; } .pager a.next { text-align: left; } }
  @media (max-width: 960px) { .post-grid { grid-template-columns: 1fr 1fr; } .feature-post { grid-template-columns: 1fr; } }
  @media (max-width: 620px) { .post-grid { grid-template-columns: 1fr; } }

  /* Areas */
  .areas { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
  .areas > div { padding: 1.75rem; }
  .areas h3 { padding-bottom: .7rem; border-bottom: 2px solid var(--accent); margin-bottom: .9rem; display: flex; justify-content: space-between; align-items: baseline; }
  .areas h3 small { font-family: "Public Sans", sans-serif; font-size: .8rem; color: var(--muted); font-weight: 600; letter-spacing: .06em; }
  .areas ul { list-style: none; margin: 0; padding: 0; }
  .areas li a { display: block; padding: .3rem 0; text-decoration: none; font-size: 1rem; }
  .areas li a:hover { text-decoration: underline; text-decoration-color: var(--accent); }
  .areas li.county a { font-weight: 600; }
  @media (max-width: 960px) { .areas { grid-template-columns: 1fr 1fr; } }
  @media (max-width: 560px) { .areas { grid-template-columns: 1fr; } }

  /* Forms */
  form.lead { display: grid; gap: 1.2rem; max-width: 640px; padding: 2.25rem; border-radius: 20px; }
  form.lead .row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
  @media (max-width: 560px) { form.lead .row { grid-template-columns: 1fr; } }
  form.lead label { display: grid; gap: .35rem; font-weight: 600; font-size: 1rem; }
  form.lead input[type=text], form.lead input[type=tel], form.lead input[type=email] { font: 1.1rem "Public Sans", sans-serif; padding: .85rem 1rem; border: 2px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--text); min-height: 58px; }
  form.lead input:focus { border-color: var(--head); }
  fieldset { border: 0; padding: 0; margin: 0; }
  fieldset legend { font-weight: 600; margin-bottom: .5rem; }
  .choice { display: flex; gap: .75rem; }
  .choice label { flex: 1; display: flex; align-items: center; justify-content: center; gap: .5rem; min-height: 58px; border: 2px solid var(--line); border-radius: 10px; cursor: pointer; font-weight: 500; }
  .choice label:has(input:checked) { border-color: var(--head); background: var(--tint); }
  .choice input { width: 22px; height: 22px; accent-color: var(--brand); }
  .consent { display: grid; grid-template-columns: 26px 1fr; gap: .7rem; font-size: .88rem; font-weight: 400; color: var(--muted); align-items: start; }
  .consent input { width: 22px; height: 22px; margin-top: .15rem; accent-color: var(--brand); }
  .thanks { display: grid; gap: .8rem; padding: 2rem; border: 2px solid var(--affirm); border-radius: 16px; max-width: 640px; }

  /* Contact + about + pages */
  .contact { display: grid; grid-template-columns: 1fr 1.15fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
  .contact dl { display: grid; grid-template-columns: max-content 1fr; gap: .7rem 1.5rem; margin: 0; }
  .contact dt { color: var(--muted); font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; padding-top: .35rem; font-weight: 700; }
  .contact dd { margin: 0; font-size: 1.15rem; }
  @media (max-width: 900px) { .contact { grid-template-columns: 1fr; } }
  .about { display: grid; grid-template-columns: minmax(280px, .75fr) 1.25fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
  .about .prose p + p { margin-top: 1rem; }
  .about .prose p { font-size: 1.15rem; max-width: 62ch; }
  .about-photo { position: relative; }
  .about-photo img { width: 100%; height: auto; aspect-ratio: 1; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow); }
  .about-photo .plate { position: absolute; left: 1.25rem; right: 1.25rem; bottom: -1.5rem; background: var(--brand); color: #fff; border-radius: 12px; padding: 1rem 1.2rem; box-shadow: var(--shadow); }
  .about-photo .plate strong { font-family: "Newsreader", serif; font-size: 1.3rem; font-weight: 500; display: block; }
  .about-photo .plate span { font-size: .88rem; color: var(--on-brand-muted); }
  @media (max-width: 900px) { .about { grid-template-columns: 1fr; } .about-photo { max-width: 420px; margin-bottom: 2rem; } }
  .page[hidden] { display: none; }
  .page-title { background: linear-gradient(180deg, var(--tint), var(--paper)); padding: clamp(3rem, 6vw, 5rem) 0 clamp(2rem, 4vw, 3rem); }
  .page-title .wrap { display: grid; gap: .9rem; max-width: 72ch; margin-inline: auto; text-align: center; justify-items: center; }
  .page-title p.sub { font-size: 1.25rem; color: var(--muted); }
  .note { font-size: .95rem; color: var(--muted); border-left: 3px solid var(--accent); padding-left: 1rem; max-width: 60ch; }

  /* Final CTA */
  .final { position: relative; color: #fff; overflow: hidden; background: var(--brand-deep); }
  .final .bg { position: absolute; inset: 0; background-size: cover; background-position: center 35%; opacity: .28; filter: saturate(.7); }
  .final .veil { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(14,34,51,.96) 0%, rgba(14,34,51,.85) 55%, rgba(14,34,51,.55) 100%); }
  .final .wrap { position: relative; display: grid; grid-template-columns: 1.3fr 1fr; gap: 2.5rem; align-items: center; padding: clamp(4rem, 8vw, 7rem) 0; }
  .final h2 { color: #fff; }
  .final .phone { font-family: "Newsreader", serif; font-size: clamp(2.4rem, 5vw, 4rem); color: #fff; text-decoration: none; font-weight: 500; line-height: 1; display: inline-block; margin-top: .8rem; }
  .final .phone:hover { text-decoration: underline; text-decoration-color: var(--accent); text-decoration-thickness: 4px; }
  .final p.muted { color: var(--on-brand-muted); }
  @media (max-width: 900px) { .final .wrap { grid-template-columns: 1fr; } }

  /* Footer */
  footer { background: var(--brand-deep); color: var(--on-brand-muted); font-size: .9rem; padding: 3.5rem 0 2.5rem; border-top: 1px solid rgba(255,255,255,.08); }
  footer .top { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 2.5rem; padding-bottom: 2rem; border-bottom: 1px solid rgba(255,255,255,.12); }
  footer h4 { margin: 0 0 .8rem; color: #fff; font: 700 .8rem/1 "Public Sans", sans-serif; letter-spacing: .12em; text-transform: uppercase; }
  footer a { color: #fff; }
  footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .45rem; }
  footer .logos { display: flex; gap: 1rem; align-items: center; margin-top: 1.2rem; }
  footer .logos img { height: 56px; width: auto; background: #fff; padding: 6px; border-radius: 8px; }
  footer .legal { padding-top: 1.75rem; display: grid; gap: .8rem; max-width: 92ch; line-height: 1.55; margin-inline: auto; text-align: center; }
  @media (max-width: 860px) { footer .top { grid-template-columns: 1fr; } }
  .skip { position: absolute; left: -999px; top: 0; background: #fff; color: #000; padding: .5rem 1rem; z-index: 100; }
  .skip:focus { left: 1rem; }

  /* Touches: reading progress, anchor offset, mobile call bar */
  .progress { position: fixed; top: 0; left: 0; height: 4px; width: 0; background: var(--accent); z-index: 40; transition: width .1s linear; pointer-events: none; }
  [id] { scroll-margin-top: 100px; }
  .mobile-call { display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 35; padding: .6rem .9rem calc(.6rem + env(safe-area-inset-bottom)); background: var(--brand-deep); border-top: 1px solid rgba(255,255,255,.12); box-shadow: 0 -12px 30px -16px rgba(0,0,0,.6); gap: .6rem; }
  .mobile-call a { flex: 1; min-height: 54px; }
  .mobile-call .btn-on-brand { background: rgba(255,255,255,.06); }
  html { -webkit-text-size-adjust: 100%; }

  /* Mobile type + layout pass */
  @media (max-width: 700px) {
    body { font-size: 18px; }
    h1 { font-size: clamp(2.1rem, 9.5vw, 2.6rem); }
    h2 { font-size: clamp(1.65rem, 7vw, 2rem); }
    .callbar .wrap > span { display: none; }
    .callbar .wrap { justify-content: center; }
    .site-head .wrap { min-height: 70px; gap: .8rem; }
    .hero { padding-top: 2.5rem; padding-bottom: 5rem; }
    .hero .ctas a { flex: 1 1 100%; }
    .hero .fine { max-width: none; }
    .hero-visual { padding-bottom: 0; }
    .mark-card { max-width: none; margin: -2.5rem .75rem 0; position: relative; }
    .trust-wrap { margin-top: -3rem; }
    section.band { padding: 3rem 0; }
    .sec-head { margin-bottom: 1.75rem; }
    .familiar li { font-size: 1.05rem; padding: .85rem .95rem; }
    .familiar .aside { padding: 1.75rem; }
    .familiar .aside::before { display: none; }
    .steps > div, .checklist > div { padding: 1.5rem; }
    .calc-box .top, .calc-box .body { padding: 1.4rem; }
    .calc-box .result b { font-size: 2.8rem; }
    .signature { padding-left: 1.2rem; }
    .signature p { font-size: 1.35rem; }
    .quotes figure { padding: 1.4rem; }
    .featured { padding: 1.5rem; }
    .faq summary { font-size: 1.2rem; padding-right: 2.9rem; }
    .final .phone { font-size: 2.3rem; }
    .final .wrap > div:last-child { justify-items: stretch; }
    .final .wrap > div:last-child .btn { width: 100%; }
    form.lead { padding: 1.4rem; }
    .page-title { padding: 2.25rem 0 1.5rem; }
    .page-title p.sub, .article-head .dek { font-size: 1.1rem; }
    .article-body { font-size: 1.08rem; }
    .article-body h2 { font-size: 1.55rem; }
    .author-card { padding: 1.4rem; gap: 1rem; }
    .feature-post .cover, .feature-post .body { padding: 1.6rem; }
    .cta-inline { padding: 1.5rem; }
    .cta-inline .btns .btn { flex: 1 1 100%; }
    .areas > div { padding: 1.4rem; }
    footer .logos img { height: 48px; }
    body { padding-bottom: 76px; }
    .mobile-call { display: flex; }
  }

  .page { display: block; }
  .ghl { border: 0; width: 100%; min-height: 900px; border-radius: 12px; background: var(--card); }
  body.is-article .progress { display: block; }