/* Bellevue NE Water Damage Restoration: "Prairie Sky and Bur Oak" (research/structure-plan.md) */
@font-face{font-family:"Manrope";src:url(../fonts/manrope.woff2?v=938c6e80) format("woff2");font-weight:400 800;font-style:normal;font-display:swap}
@font-face{font-family:"Newsreader";src:url(../fonts/newsreader.woff2?v=f94a697b) format("woff2");font-weight:400 700;font-style:normal;font-display:swap}

:root{
  --cream:#f8f5ee; --paper:#ffffff; --skyt:#e8f0f6; --oakt:#f1e8dd;
  --ink:#1c232b; --ink-2:#2f3b47;
  --sky:#3b6e99; --sky-d:#2d5a80; --deep:#1d3a54; --deep-2:#162e44;
  --oak:#6a4b33; --gold:#d8a83a; --gold-l:#f0d48f; --gold-t:#f6e6bf;
  --line:#d9cfc1; --line-sky:#bcd0e0;
  --r:14px; --shadow:0 10px 30px -18px rgba(29,58,84,.45);
  --head:"Manrope",system-ui,-apple-system,"Segoe UI",sans-serif;
  --body:"Newsreader",Georgia,"Times New Roman",serif;
  --gutter:22px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--body);font-size:18.5px;line-height:1.7;font-weight:400}
img{max-width:100%;height:auto;display:block}
a{color:var(--sky-d)}
h1,h2,h3{font-family:var(--head);color:var(--deep);line-height:1.18;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.05rem);font-weight:800}
h2{font-size:clamp(1.55rem,2.8vw,2.15rem);font-weight:800}
h3{font-size:1.14rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{margin:0;padding:0}
.ic{width:1.1em;height:1.1em;flex:0 0 auto;fill:currentColor}
svg.ic path[fill="none"]{fill:none}
.btn svg,.chip svg,.attr svg,.card svg,a[href^="tel:"] svg,.gsearch svg,.crumbs svg,.rel-card svg,.checklist svg,.closer__facts svg,figcaption svg,.takeaways svg{width:1.1em;height:1.1em;flex:0 0 auto}
.skip-link{position:absolute;left:-999px;top:0;background:var(--deep);color:#fff;padding:10px 14px;z-index:200}
.skip-link:focus{left:10px;top:10px}
.wrap{width:100%;max-width:1220px;margin:0 auto;padding:0 var(--gutter)}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:var(--paper);border-bottom:3px solid var(--sky)}
.topbar{display:flex;align-items:center;gap:22px;min-height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--deep);min-width:0;flex:0 1 auto}
.brand__mark{width:46px;height:46px;flex:0 0 46px}
.brand__text{display:flex;flex-direction:column;line-height:1.15;min-width:0}
.brand__name{font-family:var(--head);font-weight:600;font-size:.98rem;color:var(--deep)}
.brand__name b{font-weight:800;display:block;font-size:1.02rem}
.brand__tag{font-family:var(--head);font-size:.74rem;font-weight:600;color:var(--oak);letter-spacing:.02em}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto;font-family:var(--head);font-size:.93rem;font-weight:700}
.nav>a,.drop>a{display:block;padding:10px 11px;color:var(--deep);text-decoration:none;border-radius:8px;white-space:nowrap}
.nav>a:hover,.drop>a:hover{background:var(--skyt)}
.drop{position:relative}
.drop>a::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px);margin-left:7px}
.drop__menu{display:none;position:absolute;top:100%;left:0;min-width:290px;background:var(--paper);border:1px solid var(--line-sky);border-radius:12px;box-shadow:var(--shadow);padding:8px;max-height:min(72vh,560px);overflow-y:auto;overscroll-behavior:contain;z-index:70}
.drop__menu a{display:block;padding:8px 12px;color:var(--ink);text-decoration:none;border-radius:8px;font-weight:600;font-size:.92rem}
.drop__menu a:hover{background:var(--skyt);color:var(--deep)}
.drop:hover .drop__menu,.drop.is-open .drop__menu{display:block}
.drop::before{content:"";position:absolute;left:0;right:0;top:100%;height:10px}
.top-cta{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.top-phone{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--ink);font-family:var(--head);font-weight:800;font-size:1.02rem;padding:11px 18px;border-radius:999px;text-decoration:none;white-space:nowrap;box-shadow:inset 0 -3px 0 rgba(0,0,0,.12)}
.top-phone:hover{background:#e3b64a}
.top-phone svg{width:18px;height:18px}
.nav-toggle{display:none;width:46px;height:46px;border:2px solid var(--deep);border-radius:10px;background:var(--paper);padding:0;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.nav-toggle span{display:block;width:22px;height:2.5px;background:var(--deep);border-radius:2px}
.menu-close{display:none}

/* ---------- divider ---------- */
.meander{line-height:0}
.meander svg{display:block;width:100%;height:54px}

/* ---------- sections ---------- */
.section{padding:66px 0}
.band--sky{background:var(--skyt)}
.band--oak{background:var(--oakt)}
.band--paper{background:var(--paper)}
.band--deep{background:var(--deep);color:#f4f7fa}
.band--deep h2,.band--deep h3{color:#fff}
.band--deep p,.band--deep li{color:#e9eff5}
.sec-head{max-width:800px;margin-bottom:30px}
.sec-head p{font-size:1.05rem}
.eyebrow{display:inline-block;font-family:var(--head);font-size:.8rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--oak);margin-bottom:10px}
.eyebrow--light{color:var(--gold-l)}

/* ---------- buttons, chips ---------- */
a.btn{text-decoration:none!important}
.btn{display:inline-flex;align-items:center;gap:12px;text-decoration:none;font-family:var(--head);font-weight:800;border-radius:14px;line-height:1.15}
.btn--call{background:var(--gold);color:var(--ink);padding:13px 22px 13px 18px;box-shadow:0 8px 18px -10px rgba(106,75,51,.7),inset 0 -3px 0 rgba(0,0,0,.12)}
.btn--call:hover{background:#e3b64a}
a.btn.btn--call,.reach a.btn--call,.band--deep a.btn--call,.closer a.btn--call{color:var(--ink)}
.btn--call .btn__num,.btn--call .btn__stack{color:var(--ink)}
.btn--call svg{width:24px;height:24px}
.btn--lg{padding:16px 26px 16px 20px}
.btn__stack{display:flex;flex-direction:column}
.btn__num{font-size:1.32rem;letter-spacing:.01em}
.btn--lg .btn__num{font-size:1.5rem}
.btn__sub{font-size:.86rem;font-weight:700;color:#2b2416}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chip{display:inline-flex;align-items:center;gap:7px;background:var(--paper);border:1.5px solid var(--line-sky);color:var(--deep);font-family:var(--head);font-weight:700;font-size:.86rem;padding:7px 13px;border-radius:999px}
.chip svg{color:var(--sky)}
.band--deep .chip{background:#24486a;border-color:#3d6488;color:#fff}
.band--deep .chip svg{color:var(--gold-l)}

/* ---------- hero ---------- */
.hero{padding:44px 0 50px;background:linear-gradient(180deg,var(--cream) 0,var(--cream) 70%,var(--skyt) 100%)}
.hero__grid{display:grid;grid-template-columns:1.1fr .9fr;gap:46px;align-items:center}
.hero__copy{min-width:0}
.hero__lead{font-size:1.16rem;color:var(--ink-2);max-width:620px;margin-bottom:22px}
.hero__note{margin:16px 0 0;font-size:1rem;color:var(--ink-2)}
.hero__media{min-width:0}
.frame{position:relative;margin:0;border:2px solid var(--oak);border-radius:var(--r);padding:8px;background:var(--paper);box-shadow:var(--shadow)}
.frame::before{content:"";position:absolute;top:-8px;left:22px;width:74px;height:14px;background:var(--gold);border-radius:4px}
.frame img{border-radius:9px;width:100%;height:auto;max-height:380px;object-fit:cover}
.crumbs{display:flex;flex-wrap:wrap;align-items:center;gap:6px;font-family:var(--head);font-size:.84rem;font-weight:600;color:var(--ink-2);margin-bottom:14px}
.crumbs a{color:var(--sky-d)}
.crumbs svg{width:14px;height:14px;color:var(--oak)}

/* ---------- homepage: services ---------- */
.feat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:22px}
.feat-card{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);min-width:0}
.feat-card img{width:100%;height:210px;object-fit:cover}
.feat-card__body{padding:18px 20px 20px;border-top:5px solid var(--gold)}
.feat-card h3{font-size:1.24rem;margin-bottom:.35em}
.feat-card p{margin:0 0 .8em;font-size:1.02rem}
.go{font-family:var(--head);font-weight:800;font-size:.9rem;color:var(--sky-d);text-decoration:underline}
.svc-list{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.svc-row{display:grid;grid-template-columns:132px 1fr;gap:16px;align-items:center;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:10px;text-decoration:none;color:var(--ink);min-width:0}
.svc-row:hover,.feat-card:hover{border-color:var(--sky)}
.svc-row img{width:132px;height:104px;object-fit:cover;border-radius:8px}
.svc-row h3{font-size:1.06rem;margin-bottom:.2em}
.svc-row p{margin:0;font-size:1rem;line-height:1.55}
.svc-row div{min-width:0}
.svc-list .svc-row:last-child:nth-child(odd){grid-column:1/-1}

/* ---------- why split ---------- */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:center}
.split>*{min-width:0}
.split__media img{border-radius:9px;width:100%;height:auto;max-height:360px;object-fit:cover}
.attrs{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:20px}
.attr{background:var(--paper);border:1px solid var(--line-sky);border-left:5px solid var(--sky);border-radius:10px;padding:14px 16px}
.attr h3{display:flex;align-items:center;gap:8px;font-size:1.02rem;margin-bottom:.3em}
.attr h3 svg{color:var(--oak);width:22px;height:22px}
.attr p{margin:0;font-size:1rem;line-height:1.6}

/* ---------- first steps on a meander path ---------- */
.path{list-style:none;display:grid;grid-template-columns:repeat(5,1fr);gap:16px;position:relative;counter-reset:s}
.path::before{content:"";position:absolute;left:6%;right:6%;top:26px;border-top:3px dashed var(--sky)}
.path li{position:relative;text-align:left;min-width:0}
.stone{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:50%;background:var(--gold);color:var(--ink);font-family:var(--head);font-weight:800;font-size:1.3rem;border:4px solid var(--cream);position:relative;z-index:1;margin-bottom:10px}
.band--sky .stone{border-color:var(--skyt)}
.path h3{font-size:1.04rem;margin-bottom:.25em}
.path p{font-size:1rem;margin:0;line-height:1.6}

/* ---------- standard (deep band) ---------- */
.std{display:grid;grid-template-columns:.85fr 1.15fr;gap:44px;align-items:start}
.std>*{min-width:0}
.gsteps{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.gsteps li{background:#24486a;border:1px solid #3d6488;border-radius:12px;padding:18px 18px 16px;position:relative}
.gsteps li::before{content:"";position:absolute;left:0;top:14px;bottom:14px;width:5px;background:var(--gold);border-radius:0 4px 4px 0}
.gsteps .num{display:block;font-family:var(--head);font-weight:800;color:var(--gold-l);font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:4px}
.gsteps h3{font-size:1.06rem}
.gsteps p{margin:0;font-size:1rem;line-height:1.6;color:#e9eff5}

/* ---------- cost gauges (home + service) ---------- */
.answer{font-size:1.14rem;max-width:860px;background:var(--paper);border-left:5px solid var(--sky);padding:16px 20px;border-radius:0 10px 10px 0}
.gcards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0 18px}
.gcard{display:grid;grid-template-columns:30px 1fr;gap:16px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:18px;min-width:0}
.gcard__gauge{position:relative;background:var(--skyt);border:1px solid var(--line-sky);border-radius:999px;overflow:hidden;min-height:150px}
.gcard__gauge span{position:absolute;left:0;right:0;bottom:0;background:linear-gradient(180deg,var(--gold),#b8892a);border-radius:999px}
.gcard__body{min-width:0}
.gcard h3{font-size:1.05rem;margin-bottom:.2em}
.gcard__amt{font-family:var(--head);font-weight:800;font-size:1.32rem;color:var(--deep);margin-bottom:8px}
.gcard ul{list-style:none}
.gcard li{font-size:1rem;padding:3px 0 3px 18px;position:relative}
.gcard li::before{content:"";position:absolute;left:2px;top:.72em;width:8px;height:8px;background:var(--sky);border-radius:2px}
.cost-note{font-size:1rem;color:var(--ink-2);max-width:860px}
.cost-note a,.prose a,.answer a,.lead-block a,.selfcheck a,.reach a,.faq-item__a a,.attr a,.risk-list a,.path a,.legal a,.card a,.gsteps a,.marks a{text-decoration:underline}
.band--deep a:not(.btn){color:var(--gold-l)}

/* ---------- categories ---------- */
.cats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cat{background:var(--paper);border:1px solid var(--line);border-top:6px solid #5f9bc9;border-radius:12px;padding:20px;min-width:0}
.cat--2{border-top-color:var(--gold)}
.cat--3{border-top-color:var(--oak)}
.cat p{font-size:1rem}
.cat a{font-family:var(--head);font-weight:800;font-size:.92rem;color:var(--sky-d);text-decoration:underline}

/* ---------- gallery ---------- */
.gallery{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:170px;gap:12px}
.gallery figure{margin:0;border-radius:10px;overflow:hidden;background:var(--skyt)}
.gallery img{width:100%;height:100%;object-fit:cover}
.gallery .g-wide{grid-column:span 2}
.gallery .g-tall{grid-row:span 2}

/* ---------- insurance ---------- */
.claim{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:start}
.claim>*{min-width:0}
.checklist{list-style:none}
.checklist li{display:flex;gap:10px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--line);font-size:1.02rem}
.checklist li svg{color:var(--sky);margin-top:.3em}
.selfcheck{background:var(--paper);border:2px solid var(--oak);border-radius:var(--r);padding:20px 22px}
.selfcheck p{font-size:1rem}

/* ---------- coverage ---------- */
.cov{display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:start}
.cov>*{min-width:0}
.cov__map{margin:0;border-radius:12px;overflow:hidden;border:1px solid var(--line-sky);background:var(--paper)}
.cov__map figcaption{display:flex;align-items:center;gap:6px;padding:9px 14px;font-family:var(--head);font-weight:700;font-size:.88rem;color:var(--deep)}
.cov-lists h3{font-size:.98rem;margin:18px 0 8px}
.chipset{display:flex;flex-wrap:wrap;gap:7px}
.tag{display:inline-block;background:var(--paper);border:1px solid var(--line);color:var(--ink);font-family:var(--head);font-weight:600;font-size:.86rem;padding:5px 11px;border-radius:8px;text-decoration:none}
a.tag{color:var(--sky-d);text-decoration:underline}
.tag--zip{background:var(--gold-t);border-color:#e1c784}
.reach{background:var(--deep);color:#eef3f7;border-radius:var(--r);padding:24px}
.reach h3{color:#fff;font-size:1.25rem}
.reach p{color:#e9eff5;font-size:1rem}
.reach a:not(.btn){color:var(--gold-l)}
.reach__email{overflow-wrap:anywhere}
.gsearch{display:inline-flex;align-items:center;gap:7px;font-family:var(--head);font-weight:800;font-size:.92rem;color:var(--sky-d);text-decoration:underline}
.reach .gsearch,.gsearch--light,.site-footer .gsearch{color:var(--gold-l)}

/* ---------- local risk: high-water marks ---------- */
.marks-band{background:var(--deep-2)}
.risk{display:grid;grid-template-columns:.95fr 1.05fr;gap:36px;align-items:start}
.risk>*{min-width:0}
.risk__img img{border-radius:10px;width:100%;height:auto;max-height:240px;object-fit:cover;border:2px solid #3d6488}
.marks{list-style:none;margin-top:18px;border-left:4px solid var(--gold);padding-left:0}
.marks li{position:relative;padding:8px 0 10px 22px}
.marks li::before{content:"";position:absolute;left:-4px;top:18px;width:16px;height:3px;background:var(--gold)}
.marks b{display:block;font-family:var(--head);color:var(--gold-l);font-size:.9rem;letter-spacing:.06em;text-transform:uppercase}
.marks p{margin:0;font-size:1rem;color:#e9eff5}
.risk-list{list-style:none}
.risk-list li{padding:12px 0;border-bottom:1px solid #35587a;font-size:1.02rem;color:#e9eff5}
.risk-list b{color:#fff;font-family:var(--head);margin-right:4px}

/* ---------- FAQ ---------- */
.faq{display:grid;grid-template-columns:1.5fr .7fr;gap:28px;align-items:start}
.faq>*{min-width:0}
.faq-item{background:var(--paper);border:1px solid var(--line-sky);border-radius:12px;margin-bottom:10px}
.faq-item summary{cursor:pointer;list-style:none;padding:15px 46px 15px 18px;font-family:var(--head);font-weight:700;font-size:1.04rem;color:var(--deep);position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.4rem;color:var(--oak)}
.faq-item[open] summary::after{content:"\2212"}
.faq-item__a{padding:0 18px 6px}
.faq-item__a p{font-size:1.02rem}
.faq-card{background:var(--paper);border:2px solid var(--gold);border-radius:var(--r);padding:22px;position:sticky;top:100px}
.faq-card p{font-size:1rem}

/* ---------- closer ---------- */
.closer{background:var(--deep);color:#eef3f7;padding:40px 0 64px}
.closer__grid{display:grid;grid-template-columns:1.3fr .7fr;gap:36px;align-items:center}
.closer__grid>*{min-width:0}
.closer h2{color:#fff}
.closer p{color:#e9eff5;font-size:1.06rem}
.closer__facts{list-style:none;background:#24486a;border:1px solid #3d6488;border-radius:var(--r);padding:16px 20px}
.closer__facts li{display:flex;align-items:center;gap:9px;padding:8px 0;font-family:var(--head);font-weight:600;font-size:1rem;color:#fff}
.closer__facts svg{color:var(--gold-l)}
.closer__facts a{color:var(--gold-l)}

/* ---------- service page ---------- */
.spec{background:var(--cream);padding:0 0 26px}
.ataglance{display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);overflow:hidden}
.ataglance__item{padding:16px 18px;border-right:1px solid var(--line);min-width:0}
.ataglance__item:last-child{border-right:0}
.ataglance__k{display:block;font-family:var(--head);font-weight:800;font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--oak)}
.ataglance__v{display:block;font-family:var(--head);font-weight:700;font-size:1.02rem;color:var(--deep);margin-top:3px}
.handled{display:grid;grid-template-columns:.8fr 1.2fr;gap:44px;align-items:start}
.handled>*{min-width:0}
.timeline{list-style:none;border-left:3px solid var(--gold);margin-left:20px}
.timeline li{display:grid;grid-template-columns:44px 1fr;gap:14px;padding:0 0 22px;margin-left:-23px}
.timeline .node{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--ink);font-family:var(--head);font-weight:800;font-size:1.1rem;border:4px solid var(--deep)}
.timeline h3{font-size:1.06rem;margin:8px 0 .2em}
.timeline p{margin:0;font-size:1rem;line-height:1.6}
.lead-block{max-width:860px;font-size:1.12rem;margin-bottom:24px}
.fcards{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.fcard{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:18px;min-width:0}
.numeral{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:10px;background:var(--gold);color:var(--ink);font-family:var(--head);font-weight:800;margin-bottom:10px}
.fcard h3{font-size:1.02rem;margin-bottom:.25em}
.fcard p{margin:0;font-size:1rem;line-height:1.6}
.ledger__row{display:grid;grid-template-columns:.38fr .62fr;gap:36px;padding:28px 0;border-top:2px solid var(--line)}
.ledger__row:first-child{border-top:0;padding-top:0}
.ledger__row>*{min-width:0}
.ledger__h h2{font-size:clamp(1.3rem,2.2vw,1.65rem);position:sticky;top:100px}
.prose p,.prose li{font-size:1.04rem}
.prose ul{padding-left:1.2em;margin:0 0 1em}
.prose li{margin-bottom:.4em}
.cov-compact{display:grid;grid-template-columns:.9fr 1.1fr;gap:30px;align-items:center}
.cov-compact>*{min-width:0}
.rel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rel-grid--2{grid-template-columns:repeat(2,1fr)}
.rel-card{display:flex;align-items:center;justify-content:space-between;gap:10px;background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--sky);border-radius:10px;padding:15px 16px;font-family:var(--head);font-weight:700;color:var(--deep);text-decoration:none;min-width:0}
.rel-card:hover{border-color:var(--sky)}
.rel-card--plain{border-left-color:var(--oak)}

/* ---------- inner pages ---------- */
.page-hero{padding:44px 0 36px;background:linear-gradient(180deg,var(--cream),var(--skyt))}
.page-hero p{max-width:760px;font-size:1.1rem}
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:20px;min-width:0}
.card h3{display:flex;align-items:center;gap:8px}
.card h3 svg{color:var(--oak)}
.card p{font-size:1rem}
.foot-email,.card .foot-email{overflow-wrap:anywhere}
.town-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.legal{max-width:820px}
.legal h2{font-size:1.35rem;margin-top:1.4em}
.sitemap-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.sitemap-cols ul{list-style:none}
.sitemap-cols li{padding:5px 0}
.sitemap-cols h2{font-size:1.2rem}

/* ---------- tools ---------- */
.tool{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.tool>*{min-width:0}
.tool form,.tool__out{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.tool label{display:block;font-family:var(--head);font-weight:700;font-size:.95rem;color:var(--deep);margin:12px 0 6px}
.tool select,.tool input{width:100%;max-width:100%;font:inherit;font-size:1rem;padding:10px 12px;border:1.5px solid var(--line-sky);border-radius:10px;background:#fff;color:var(--ink)}
.tool__out{background:var(--deep);color:#fff}
.tool__out h2,.tool__out h3{color:#fff}
.tool__big{font-family:var(--head);font-weight:800;font-size:2rem;color:var(--gold-l);margin:6px 0 10px}
.tool__out p,.tool__out li{color:#e9eff5}
.tool-note{font-size:.98rem;color:var(--ink-2)}

/* ---------- blog ---------- */
.post-wrap{max-width:760px}
.article{max-width:680px;margin:0 auto}
.art-fig{margin:0 0 24px}
.art-fig img{border-radius:12px;width:100%;height:auto;max-height:400px;object-fit:cover}
.art-lede{font-size:1.2rem}
.takeaways{background:var(--skyt);border:1px solid var(--line-sky);border-left:6px solid var(--sky);border-radius:12px;padding:18px 22px;margin:22px 0}
.takeaways h2{font-size:1.2rem}
.takeaways ul{list-style:none}
.takeaways li{display:flex;gap:9px;padding:5px 0}
.takeaways svg{color:var(--sky);margin-top:.35em}
.toc{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:14px 20px;margin:0 0 24px}
.toc__h{font-family:var(--head);font-weight:800;margin:0 0 6px}
.toc ol{padding-left:1.2em}
.art-sec h2{margin-top:1.4em}
.art-list{padding-left:1.2em;margin:0 0 1em}
.art-list li{margin-bottom:.4em}
.art-call{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;background:var(--deep);color:#fff;border-radius:var(--r);padding:20px 22px;margin:26px 0}
.art-call p{color:#e9eff5;margin:0}
.art-call__h{font-family:var(--head);font-weight:800;color:#fff!important;font-size:1.15rem}
.related-pages{margin-top:30px}
.post-list{list-style:none}
.post-card{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin-bottom:14px}
.post-meta{font-family:var(--head);font-weight:600;font-size:.88rem;color:var(--oak)}

/* ---------- footer ---------- */
.map-strip{line-height:0;border-top:4px solid var(--gold)}
.site-footer{background:var(--deep-2);color:#e3eaf1;padding:48px 0 90px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:28px}
.foot-grid>*{min-width:0}
.foot-name{display:block;font-family:var(--head);font-weight:800;color:#fff;font-size:1.1rem;margin-bottom:8px}
.site-footer p{font-size:1rem;color:#e3eaf1}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer a{color:var(--gold-l)}
.foot-list{list-style:none}
.foot-list li{padding:4px 0;font-size:1rem}
.foot-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid #35587a;margin-top:30px;padding-top:18px;font-family:var(--head);font-size:.86rem;color:#d3dde7}
.callbar{display:none}

/* ---------- responsive ---------- */
@media (max-width:1100px){
  .nav{display:none}
  .nav-toggle{display:flex}
  body.is-menu{overflow:hidden}
  body.is-menu .nav{display:flex;position:fixed;inset:0;z-index:90;background:var(--deep);flex-direction:column;align-items:stretch;gap:2px;padding:76px 22px 30px;overflow-y:auto;margin:0}
  body.is-menu .nav>a,body.is-menu .drop>a{color:#fff;font-size:1.1rem;padding:13px 10px;border-bottom:1px solid #35587a;border-radius:0}
  body.is-menu .nav>a:hover,body.is-menu .drop>a:hover,body.is-menu .drop.is-open>a{background:#24486a;color:#fff}
  body.is-menu .drop__menu{position:static;box-shadow:none;border:0;background:#24486a;max-height:none;min-width:0;margin:4px 0 8px}
  body.is-menu .drop__menu a{color:#fff}
  body.is-menu .drop:hover .drop__menu{display:none}
  body.is-menu .drop.is-open .drop__menu{display:block}
  body.is-menu .menu-close{display:flex;position:absolute;top:16px;right:18px;width:46px;height:46px;align-items:center;justify-content:center;background:var(--gold);border:0;border-radius:10px;cursor:pointer}
  body.is-menu .menu-close svg{width:26px;height:26px;stroke:var(--ink);stroke-width:2.6;fill:none}
  .hero__grid,.split,.std,.claim,.cov,.risk,.faq,.closer__grid,.handled,.cov-compact,.tool{grid-template-columns:1fr}
  .faq-card,.ledger__h h2{position:static}
  .feat-row{grid-template-columns:repeat(3,1fr)}
  .fcards{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .feat-row,.cats,.gcards,.cards-3,.rel-grid,.sitemap-cols{grid-template-columns:1fr}
  .svc-list,.town-cards,.rel-grid--2{grid-template-columns:1fr}
  .path{grid-template-columns:1fr;gap:6px}
  .path::before{left:25px;right:auto;top:20px;bottom:20px;border-top:0;border-left:3px dashed var(--sky)}
  .path li{display:grid;grid-template-columns:62px 1fr;align-items:start}
  .path li .stone{grid-row:span 2}
  .gsteps{grid-template-columns:1fr}
  .ataglance{grid-template-columns:1fr 1fr}
  .ataglance__item:nth-child(2){border-right:0}
  .ataglance__item:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .ledger__row{grid-template-columns:1fr;gap:6px}
  .gallery{grid-template-columns:1fr 1fr;grid-auto-rows:140px}
  .gallery .g-wide{grid-column:span 2}
  .attrs{grid-template-columns:1fr}
  .feat-card img{height:190px}
}
@media (max-width:640px){
  :root{--gutter:18px}
  body{font-size:18px}
  .topbar{min-height:66px;gap:10px}
  .brand__mark{width:40px;height:40px;flex-basis:40px}
  .brand__name{font-size:.82rem}
  .brand__name b{font-size:.86rem}
  .brand__tag{display:none}
  .top-phone{display:none}
  .section{padding:46px 0}
  .hero{padding:26px 0 34px}
  .btn--lg{padding:13px 18px 13px 15px}
  .btn--lg .btn__num{font-size:1.32rem}
  .svc-row{grid-template-columns:96px 1fr;gap:12px}
  .svc-row img{width:96px;height:84px}
  .fcards{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--gold);border-top:2px solid #b8892a}
  .callbar a{display:flex;align-items:center;justify-content:center;gap:9px;padding:14px;color:var(--ink);font-family:var(--head);font-weight:800;font-size:1.08rem;text-decoration:none}
  .callbar svg{width:20px;height:20px}
  .gcard__gauge{min-height:110px}
}