/* Secure Claims Group, shared stylesheet. Tokens: 08-design-system/tokens.json is the source of record.
   One accent (the logo sky blue), one dark ground, Figtree for everything read, Anton for the giant word only. */
/* Fonts, self hosted (see assets/fonts/README.md). Figtree is one variable file covering weights 400 to 800;
   the unicode ranges are the ones Google Fonts serves, so only the latin file loads for English pages. */
@font-face{font-family:"Figtree";font-style:normal;font-weight:400 800;font-display:swap;src:url(/assets/fonts/figtree-latin.woff2) format("woff2");unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:"Figtree";font-style:normal;font-weight:400 800;font-display:swap;src:url(/assets/fonts/figtree-latin-ext.woff2) format("woff2");unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF}
@font-face{font-family:"Anton";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/anton-latin.woff2) format("woff2");unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:"Anton";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/anton-latin-ext.woff2) format("woff2");unicode-range:U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF}
/* build.py inlines this file as critical CSS minus the blocks between "@defer" and "@end" markers, which hold
   sections that never sit in the first screen. Keep the markers on their own lines. */
:root{
  --canvas:#F6F9FB; --surface:#FCFDFE; --tint:#E6F5FB;
  --ink:#0E2740; --ink-soft:#46596B; --line:#D5E0E8;
  --accent:#74D8F7; --accent-ink:#0E2740; --accent-text:#0B7599;
  --ground-dark:#061A2E; --surface-dark:#0F2A44; --ink-on-dark:#EEF6FA; --soft-on-dark:#A9BFD0; --word-on-dark:#0F2E4C;
  --danger:#B3261E;
  --font-body:"Figtree","Segoe UI","Helvetica Neue",Arial,sans-serif;
  --font-display:"Anton",Impact,"Arial Narrow Bold",sans-serif;
  --fs-s:.875rem; --fs-m:1rem; --fs-l:1.25rem; --fs-xl:1.5625rem;
  --fs-2xl:clamp(1.75rem,1.4rem + 1.4vw,2.44rem);
  --fs-3xl:clamp(2.1rem,1.5rem + 2.6vw,3.05rem);
  --fs-4xl:clamp(2.4rem,1.6rem + 3.6vw,3.8rem);
  --fs-giant:clamp(6rem,18vw,15rem);
  --r-s:10px; --r-m:20px; --r-l:28px; --r-pill:999px;
  --shadow-1:0 1px 2px rgba(6,26,46,.06),0 8px 24px rgba(6,26,46,.08);
  --shadow-2:0 2px 4px rgba(6,26,46,.08),0 24px 56px rgba(6,26,46,.12);
  --section:clamp(48px,6vw,128px);
  --gap:clamp(16px,2vw,32px);
  --shell:1200px;
  --callbar-h:60px;
  --ease:cubic-bezier(.2,.7,.2,1);
  color-scheme:light;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--canvas);color:var(--ink);font-family:var(--font-body);font-size:clamp(1rem,.95rem + .3vw,1.125rem);line-height:1.6;overflow-x:clip}
img,svg{max-width:100%;height:auto;display:block}
picture{display:contents}
a{color:var(--accent-text);text-underline-offset:.15em}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:2px solid var(--accent-text);outline-offset:3px;border-radius:4px}
.on-dark :focus-visible{outline-color:var(--accent)}
.skip{position:absolute;left:12px;top:-200px;z-index:2000;background:var(--accent);color:var(--accent-ink);font-weight:700;padding:12px 18px;border-radius:var(--r-pill);text-decoration:none;box-shadow:var(--shadow-2)}
.skip:focus,.skip:focus-visible{top:12px;outline:3px solid var(--ink);outline-offset:2px}
#main:focus{outline:none}
h1,h2,h3,h4{line-height:1.15;margin:0;font-weight:800;letter-spacing:-.01em;text-wrap:balance}
h1{font-size:var(--fs-4xl);letter-spacing:-.02em;line-height:1.05}
h2{font-size:var(--fs-3xl)}
h3{font-size:var(--fs-l);font-weight:700}
h4{font-size:var(--fs-m);font-weight:700}
p{margin:0;max-width:65ch;text-wrap:pretty}
ul,ol{margin:0;padding-left:1.2em;max-width:65ch}
li+li{margin-top:6px}
.lead{font-size:var(--fs-l);color:var(--ink-soft)}
.shell{width:min(var(--shell),100% - 2*clamp(16px,4vw,40px));margin-inline:auto}
.narrow{width:min(760px,100%)}
section{padding-block:var(--section);scroll-margin-top:16px}
.stack>*+*{margin-top:16px}
.num{font-variant-numeric:tabular-nums lining-nums}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.small{font-size:var(--fs-s);color:var(--ink-soft)}
.on-dark{background:var(--ground-dark);color:var(--ink-on-dark)}
.on-dark h1,.on-dark h2,.on-dark h3{color:var(--ink-on-dark)}
.on-dark .lead,.on-dark .small{color:var(--soft-on-dark)}
.on-dark a:not(.btn){color:var(--accent)}
.tinted{background:var(--tint)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:var(--r-pill);font-weight:700;font-size:var(--fs-m);letter-spacing:.01em;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:transform 140ms var(--ease),background-color 140ms var(--ease),border-color 140ms var(--ease);white-space:nowrap;font-family:inherit}
.btn-primary{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}
@media (hover:hover){.btn-primary:hover{background:#8FE0F9;border-color:#8FE0F9}}
.btn-primary:active{transform:translateY(1px)}
.btn-secondary{background:transparent;color:var(--ink);border-color:var(--ink)}
.on-dark .btn-secondary{color:var(--ink-on-dark);border-color:rgba(238,246,250,.5)}
@media (hover:hover){.btn-secondary:hover{border-color:currentColor}}
.btn-secondary:active{transform:translateY(1px)}
.btn:disabled{opacity:.5;cursor:not-allowed}
.btn svg{width:20px;height:20px;flex:none}

/* Header */
.site-header{background:var(--ground-dark);color:var(--ink-on-dark);position:relative;z-index:40}
.site-header .shell{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:80px;padding-block:10px}
.brand{display:inline-flex;align-items:center}
.brand img{width:120px;height:68px;object-fit:contain}
.nav{display:flex;align-items:center;gap:8px 28px}
.nav a:not(.btn){color:var(--ink-on-dark);text-decoration:none;font-weight:500;padding:8px 0}
.nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:.3em;text-decoration-color:var(--accent)}
@media (hover:hover){.nav a:not(.btn):hover{text-decoration:underline;text-underline-offset:.3em}}
.nav .btn{margin-left:8px;min-height:44px;flex:none}
.menu-btn{display:none;background:none;border:1.5px solid rgba(238,246,250,.5);color:var(--ink-on-dark);border-radius:var(--r-pill);min-height:44px;padding:0 18px;font:inherit;font-weight:700;cursor:pointer}
@media (max-width:899px){
  .nav a:not(.btn),.nav .btn{display:none}
  .menu-btn{display:inline-flex;align-items:center;gap:8px}
  .nav.open{position:absolute;left:0;right:0;top:100%;min-height:calc(100vh - 80px);min-height:calc(100svh - 80px);align-content:start;background:var(--ground-dark);display:grid;gap:0;padding:8px clamp(16px,4vw,40px) 20px;border-top:1px solid rgba(238,246,250,.12);box-shadow:var(--shadow-2)}
  .nav.open a:not(.btn){display:block;padding:14px 0;border-bottom:1px solid rgba(238,246,250,.1);font-size:var(--fs-l)}
  .nav.open .menu-btn{position:absolute;right:clamp(16px,4vw,40px);top:-62px}
  .nav.open .btn{display:inline-flex;margin:16px 0 0;justify-self:start}
}

/* Breadcrumb */
.crumbs{font-size:var(--fs-s);color:var(--soft-on-dark);margin-bottom:20px}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px 10px;max-width:none}
.crumbs li+li{margin:0}
.crumbs li+li::before{content:"/";margin-right:10px;opacity:.5}
.crumbs a{color:inherit}
.crumbs [aria-current]{color:var(--ink-on-dark)}
.light .crumbs{color:var(--ink-soft)}
.light .crumbs [aria-current]{color:var(--ink)}

/* Page hero (inner pages): the layered stage in a smaller frame */
.page-hero{background:var(--ground-dark);color:var(--ink-on-dark);padding-block:clamp(32px,4vw,64px) clamp(48px,6vw,96px);overflow:hidden;position:relative}
.page-hero .shell{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,6fr);gap:clamp(32px,4vw,64px);align-items:center}
.page-hero h1{color:var(--ink-on-dark)}
.page-hero h1 .q{color:var(--accent)}
.page-hero .lead{color:var(--soft-on-dark);max-width:48ch}
.page-hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.page-hero .stage{position:relative;min-height:clamp(280px,32vw,420px);padding-bottom:clamp(40px,5vw,72px)}
.page-hero .btn-secondary{color:var(--ink-on-dark);border-color:rgba(238,246,250,.5)}
.word::before{content:attr(data-word)}
.page-hero .word{position:absolute;left:-.04em;bottom:-.14em;margin:0;font-family:var(--font-display);font-weight:400;font-size:clamp(5rem,14vw,11rem);line-height:1;letter-spacing:-.01em;color:var(--word-on-dark);text-transform:uppercase;user-select:none;pointer-events:none;z-index:0;max-width:none}
.page-hero .frame{position:relative;z-index:1;width:min(100%,520px);margin-left:auto;aspect-ratio:4/3;border-radius:var(--r-l);overflow:hidden;box-shadow:0 0 0 1px rgba(238,246,250,.08),var(--shadow-2)}
.page-hero .frame img{width:100%;height:100%;object-fit:cover}
.page-hero .frame.icon{background:var(--tint);display:grid;place-items:center;padding:8%}
.page-hero .frame.icon img{width:70%;height:auto;object-fit:contain;border-radius:var(--r-m)}
.page-hero.plain .shell{grid-template-columns:1fr}
.page-hero.plain .stage{display:none}
@media (max-width:899px){
  .page-hero .shell{grid-template-columns:1fr}
  .page-hero .stage{min-height:0;margin-top:12px;padding-top:12vw}
  .page-hero .word{bottom:auto;top:0;font-size:22vw}
  .page-hero .frame{width:100%}
}

/* Two column prose block used on inner pages */
.split .shell{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,5vw,80px);align-items:start}
.split.rev .shell{grid-template-columns:minmax(0,7fr) minmax(0,5fr)}
.sticky{position:sticky;top:24px}
@media (max-width:899px){.split .shell,.split.rev .shell{grid-template-columns:1fr}.sticky{position:static}}

/* Miss list: what the insurer misses, with a small mark */
.miss{list-style:none;padding:0;margin:0;display:grid;gap:12px;max-width:none}
.miss li{display:grid;grid-template-columns:28px 1fr;gap:14px;align-items:start;background:var(--surface);border-radius:var(--r-s);padding:16px 18px;box-shadow:var(--shadow-1);margin:0}
.miss li b{display:block}
.miss li span{color:var(--ink-soft);font-size:var(--fs-s)}
.miss li svg{width:28px;height:28px;color:var(--accent-text)}
.doc{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:12px 24px;max-width:none}
.doc li{display:flex;gap:10px;align-items:start;margin:0;color:var(--ink);font-size:var(--fs-m)}
.doc li::before{content:"";flex:none;width:18px;height:18px;margin-top:5px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E2740' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/11px no-repeat}
@media (max-width:640px){.doc{grid-template-columns:1fr}}

/* Statute card, license card */
.law{margin:0;background:var(--surface);border-radius:var(--r-s);padding:18px 20px;color:var(--ink-soft);font-size:var(--fs-s);line-height:1.55;box-shadow:var(--shadow-1)}
.law cite{display:block;font-style:normal;font-weight:700;color:var(--accent-text);margin-top:10px}
.lic{display:grid;gap:12px}
.lic div{background:var(--surface);border-radius:var(--r-s);padding:14px 18px;box-shadow:var(--shadow-1)}
.lic b{display:block}
.lic span{color:var(--ink-soft);font-size:var(--fs-s)}

/* Icon row: a damage type or a step with its icon */
.icon-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:var(--gap);max-width:none}
.icon-list li{margin:0}
.icon-list a{display:grid;gap:10px;text-decoration:none;color:var(--ink);padding:20px;border-radius:var(--r-m);background:var(--surface);box-shadow:var(--shadow-1);height:100%;transition:transform 160ms var(--ease)}
@media (hover:hover){.icon-list a:hover{transform:translateY(-3px)}}
.icon-list img{width:88px;height:88px;object-fit:contain}
.icon-list h3{font-size:var(--fs-l)}
.icon-list span{color:var(--ink-soft);font-size:var(--fs-s)}

/* FAQ accordion */
.acc{border-top:1px solid var(--line)}
.acc details{border-bottom:1px solid var(--line)}
.acc summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:56px;padding:12px 4px;font-weight:700;font-size:var(--fs-m)}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"";flex:none;width:12px;height:12px;background:linear-gradient(var(--accent-text),var(--accent-text)) center/100% 2px no-repeat,linear-gradient(var(--accent-text),var(--accent-text)) center/2px 100% no-repeat;transition:transform 260ms var(--ease)}
.acc details[open] summary::after{transform:rotate(45deg)}
.acc .a{padding:0 4px 18px;color:var(--ink-soft);font-size:var(--fs-m)}
.acc .a p+p,.acc .a p+blockquote,.acc .a blockquote+p{margin-top:10px}
.acc .a .law{margin-top:10px}
@media (prefers-reduced-motion:no-preference){.acc details[open] .a{animation:acc-in 220ms var(--ease) both}}
@keyframes acc-in{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}
.faq-group{margin-top:40px}
.faq-group h3{font-size:var(--fs-xl);margin-bottom:12px}
.faq-group+.faq-group{margin-top:48px}

/* Case cards: flip on click, tap, Enter or Space only (the card is a button); hover only lifts it. Keyboard reachable. The back holds the facts. Kept out of the deferred blocks
   because /results shows them in the first view (no layout shift when site.css swaps in). */
.cases{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap);margin-top:40px}
.flip{perspective:1400px;min-height:340px;container-type:inline-size}
.flip button{all:unset;display:block;width:100%;height:100%;cursor:pointer;border-radius:var(--r-m)}
.flip button:focus-visible{outline:2px solid var(--accent-text);outline-offset:4px}
.flip .inner{position:relative;display:grid;width:100%;height:100%;min-height:340px;transform-style:preserve-3d;transition:transform 560ms var(--ease)}
.flip.is-flipped .inner{transform:rotateY(180deg)}
.flip{transition:transform 140ms var(--ease)}
.flip .face{transition:box-shadow 140ms var(--ease)}
@media (hover:hover){.flip:not(.soon):hover{transform:translateY(-3px)}.flip:not(.soon):hover .face{box-shadow:var(--shadow-2)}}
@media (prefers-reduced-motion:reduce){.flip,.flip .inner{transition:none}.flip:not(.soon):hover{transform:none}}
/* Both faces share one grid cell, so the card grows to fit the longer face instead of clipping the back at narrow widths. */
.flip .face{grid-area:1/1;position:relative;min-width:0;backface-visibility:hidden;-webkit-backface-visibility:hidden;border-radius:var(--r-m);overflow:hidden}
.flip .front{background:var(--surface-dark);color:var(--ink-on-dark);isolation:isolate}
.flip .front img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.flip .front .scrim{position:absolute;inset:auto 0 0 0;height:62%;background:linear-gradient(to top,rgba(6,26,46,.94),rgba(6,26,46,0));z-index:1}
.flip .front .t{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:20px 22px;display:grid;gap:4px}
.flip .front h3{color:var(--ink-on-dark);font-size:var(--fs-xl)}
.flip .front span{color:var(--soft-on-dark);font-size:var(--fs-s)}
.flip .front .turn{position:absolute;top:14px;right:14px;z-index:2;width:36px;height:36px;border-radius:50%;background:rgba(6,26,46,.7);color:var(--accent);display:grid;place-items:center;box-shadow:0 0 0 1px rgba(238,246,250,.2)}
.flip .front .turn svg{width:18px;height:18px}
.flip .back{transform:rotateY(180deg);background:var(--ground-dark);color:var(--ink-on-dark);padding:24px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:inset 0 0 0 1px rgba(238,246,250,.1)}
.flip .back dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:8px 16px;font-size:var(--fs-s)}
.flip .back dt{color:var(--soft-on-dark)}
.flip .back dd{margin:0;font-weight:700}
.flip .back .res{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(238,246,250,.14)}
.flip .back .res span{display:block;color:var(--soft-on-dark);font-size:var(--fs-s)}
.flip .back .res b{display:block;font-size:var(--fs-2xl);font-size:min(var(--fs-2xl),9.5cqi);line-height:1;letter-spacing:-.02em;font-weight:800}
.flip .back .res b.win{color:var(--accent)}
.flip .back .res b.lose{color:var(--soft-on-dark);text-decoration:line-through;text-decoration-thickness:2px;text-decoration-color:var(--danger)}
.flip .back p{color:var(--soft-on-dark);font-size:var(--fs-s);margin-top:12px}
.flip.soon .inner{transform:none !important}
.flip.soon .front{background:var(--tint);color:var(--ink);display:grid;place-items:center;text-align:center;padding:24px;border:1.5px dashed var(--line)}
.flip.soon .front h3{color:var(--ink);font-size:var(--fs-l)}
.flip.soon .front span{color:var(--ink-soft)}
.flip.soon .front img{position:static;opacity:.35;width:96px;height:96px;margin:0 auto 10px;object-fit:contain}
.cases .note{grid-column:1/-1;color:var(--ink-soft);font-size:var(--fs-s);margin-top:8px}
@media (max-width:899px){.cases{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.cases{grid-template-columns:1fr}.flip,.flip .inner{min-height:300px}.flip.soon,.flip.soon .inner{min-height:200px}}
.flip .front .rep{font-size:.75rem;letter-spacing:.02em;color:var(--soft-on-dark);margin-top:6px}
.cases-more{margin-top:28px}
.results-page .cases{margin-top:24px}
.results-page .cases-group{margin-top:clamp(48px,6vw,96px)}

/* @defer */
/* Reviews: a rail of quote cards, the first one larger */
.reviews .shell>.stack{max-width:60ch}
.rail{display:grid;grid-template-columns:repeat(12,1fr);gap:var(--gap);margin-top:40px}
.review{margin:0;background:var(--surface);border-radius:var(--r-m);padding:26px 28px;box-shadow:var(--shadow-1);display:flex;flex-direction:column;gap:18px;position:relative}
.review .mark{font-family:var(--font-display);font-size:4rem;line-height:.6;color:var(--accent);height:.55em;display:block}
.review blockquote{margin:0;font-size:var(--fs-l);font-weight:500;line-height:1.45;max-width:none;flex:1}
.review figcaption{display:flex;align-items:center;gap:12px;color:var(--ink-soft);font-size:var(--fs-s)}
.review .init{flex:none;width:40px;height:40px;border-radius:50%;background:var(--tint);color:var(--accent-text);font-weight:800;display:grid;place-items:center;font-size:var(--fs-s)}
.review figcaption b{color:var(--ink);display:block}
.review:first-child{grid-column:span 6;grid-row:span 3;background:var(--ground-dark);color:var(--ink-on-dark);padding:36px}
.review:first-child blockquote{font-size:var(--fs-2xl);font-weight:700;line-height:1.3}
.review:first-child figcaption{color:var(--soft-on-dark)}
.review:first-child figcaption b{color:var(--ink-on-dark)}
.review:first-child .init{background:var(--surface-dark);color:var(--accent)}
.review:nth-child(n+2){grid-column:7/13}
@media (max-width:560px){.review:first-child blockquote{font-size:var(--fs-l)}}
.reviews .where{margin-top:20px;color:var(--ink-soft);font-size:var(--fs-s)}
@media (max-width:899px){.review,.review:first-child,.review:nth-child(n+2),.review:nth-child(4){grid-column:1/-1;grid-row:auto}}


/* How it works: the pinned scroll sequence. Reduced motion or no JS: all four show. */
.how{background:var(--ground-dark);color:var(--ink-on-dark)}
.how h2{color:var(--ink-on-dark)}
.how .lead{color:var(--soft-on-dark)}
.how-stage{margin-top:40px;display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(24px,4vw,64px);align-items:center}
.how-rail{display:grid;gap:8px;counter-reset:step}
.how-step{border-top:1px solid rgba(238,246,250,.16);padding:16px 0}
.how-step h3{color:var(--ink-on-dark);display:flex;gap:14px;align-items:baseline;font-size:var(--fs-xl)}
.how-step h3::before{counter-increment:step;content:counter(step);font-size:var(--fs-s);font-weight:700;color:var(--accent);flex:none;width:28px;height:28px;border-radius:50%;border:1.5px solid var(--accent);display:inline-grid;place-items:center;align-self:center}
.how-step p{color:var(--soft-on-dark);margin-top:8px;max-width:44ch}
.how-art{position:relative;aspect-ratio:4/3;border-radius:var(--r-l);overflow:hidden;background:var(--surface-dark);box-shadow:0 0 0 1px rgba(238,246,250,.08)}
.how-art img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.how-art .ic{position:absolute;inset:0}
/* The icon fills the padded box and is contained in it, so it never crops and never meets the caption pill. */
.how-art .ic img{position:absolute;left:14%;top:7%;width:72%;height:70%;max-width:none;object-fit:contain;border-radius:0}
.how-art .ic .disc{position:absolute;inset:0;background:var(--tint);border-radius:0}
.how-art .ic img{z-index:1}
.how-art .cap{position:absolute;left:18px;bottom:18px;z-index:2;background:rgba(6,26,46,.82);color:var(--ink-on-dark);padding:8px 14px;border-radius:var(--r-pill);font-size:var(--fs-s);font-weight:700}
.js .how-art .frame-i{opacity:0}
.js .how-art .frame-i.on{opacity:1}
.js.motion .how-step{opacity:.78;transition:opacity 260ms var(--ease)}
.js.motion .how-step.on{opacity:1}
.js.motion .how-art .frame-i{transition:opacity 320ms var(--ease)}
/* Pinned (set by site.js only when the scene fits the screen): the wrapper is one screen tall and centers the
   heading and stage, so the pin holds the whole scene in the middle of the viewport. */
.how.is-pinned{padding-block:0}
.how.is-pinned .how-pin{min-height:100vh;min-height:100svh;display:grid;align-content:center;padding-block:32px}
/* Phones: one image per step, above its text; the caption sits under the art, never on it. */
.how-thumb{display:none;margin:0 0 14px}
.how-thumb img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:var(--r-l)}
.how-thumb.icon img{object-fit:contain;background:var(--tint);padding:6% 0}
.how-thumb .disc{display:none}
.how-thumb figcaption{display:inline-block;margin-top:10px;background:var(--surface-dark);color:var(--ink-on-dark);padding:8px 14px;border-radius:var(--r-pill);font-size:var(--fs-s);font-weight:700}
/* Short laptop screens: a wider art frame so heading and stage fit one screen and the scene can still pin. */
@media (min-width:900px) and (max-height:820px){.how-stage{grid-template-columns:minmax(0,6fr) minmax(0,6fr);margin-top:24px}.how-rail{gap:4px}.how-step{padding:10px 0}.how-step p{margin-top:4px;font-size:var(--fs-m)}.how-art{aspect-ratio:16/10}}
@media (max-width:899px){.how-stage{grid-template-columns:1fr}.how-art{display:none}.how-thumb{display:block}.how-step{padding:20px 0}}

/* @end */
/* Form */
form{display:grid;gap:16px}
.field{display:grid;gap:6px}
label{font-weight:700;font-size:var(--fs-s)}
input,textarea,select{font:inherit;font-size:max(16px,1rem);color:var(--ink);background:var(--surface);border:1.5px solid var(--line);border-radius:var(--r-s);padding:12px 14px;width:100%}
input:focus-visible,textarea:focus-visible,select:focus-visible{outline:2px solid var(--accent-text);outline-offset:2px;border-color:var(--accent-text)}
textarea{min-height:120px;resize:vertical}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.err{color:var(--danger);font-size:var(--fs-s);display:none}
.field[aria-invalid="true"] .err{display:block}
.field[aria-invalid="true"] input,.field[aria-invalid="true"] textarea{border-color:var(--danger)}
.form-actions{display:flex;align-items:center;flex-wrap:wrap;gap:16px;margin-top:8px}
.form-actions .or{color:var(--ink-soft)}
/* @defer */
.form-msg:empty{display:none}
.form-msg{border-radius:var(--r-s);padding:14px 16px;font-size:var(--fs-m);line-height:1.5;background:var(--surface);box-shadow:var(--shadow-1)}
.form-msg:focus{outline:none}
.form-msg:focus-visible{outline:2px solid var(--accent-text);outline-offset:3px}
.form-msg.ok{background:var(--tint);box-shadow:none;color:var(--ink)}
.form-msg.bad{box-shadow:inset 0 0 0 1.5px var(--danger);color:var(--ink)}
.form-msg a{font-weight:700;white-space:nowrap}
form.is-sent .field,form.is-sent .form-actions{display:none}
form.is-sent{align-content:start}
form[aria-busy="true"] button[type="submit"]{opacity:.7;cursor:progress}
.field[aria-invalid="true"] select{border-color:var(--danger)}
/* @end */
.assess .shell{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,5vw,80px)}
@media (max-width:899px){.assess .shell{grid-template-columns:1fr}}

/* Blog */
.posts{display:grid;grid-template-columns:repeat(12,1fr);gap:var(--gap);margin-top:40px}
.post-card{grid-column:span 4;display:flex;flex-direction:column;gap:14px;text-decoration:none;color:var(--ink);background:var(--surface);border-radius:var(--r-m);overflow:hidden;box-shadow:var(--shadow-1);transition:transform 160ms var(--ease)}
@media (hover:hover){.post-card:hover{transform:translateY(-3px)}}
.post-card .cover{aspect-ratio:16/9;background:var(--tint);overflow:hidden}
.post-card .cover img{width:100%;height:100%;object-fit:cover}
.post-card .body{padding:0 22px 22px;display:grid;gap:8px}
.post-card h3{font-size:var(--fs-l)}
.post-card h2{font-size:var(--fs-2xl)}
.post-card .meta{color:var(--ink-soft);font-size:var(--fs-s);display:flex;gap:12px;flex-wrap:wrap}
.post-card .cat{color:var(--accent-text);font-weight:700;font-size:var(--fs-s)}
.post-card p{color:var(--ink-soft);font-size:var(--fs-m)}
.post-card.feature{grid-column:span 12;display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:0}
.post-card.feature .cover{aspect-ratio:16/10;height:100%}
.post-card.feature .body{padding:32px;align-content:center}
.post-card.soon{border:1.5px dashed var(--line);background:transparent;box-shadow:none}
.post-card.soon .cover{display:grid;place-items:center;color:var(--ink-soft);font-size:var(--fs-s)}
@media (max-width:899px){.post-card,.post-card.feature{grid-column:1/-1;grid-template-columns:1fr}.post-card.feature .cover{aspect-ratio:16/9}}
.article{padding-block:clamp(40px,5vw,72px) var(--section)}
.article .shell{display:grid;grid-template-columns:minmax(0,8fr) minmax(0,4fr);gap:clamp(32px,5vw,80px)}
.prose{max-width:68ch;font-size:clamp(1.0625rem,1rem + .35vw,1.1875rem)}
.prose>*+*{margin-top:1.1em}
.prose h2{font-size:var(--fs-2xl);margin-top:1.8em}
.prose h3{font-size:var(--fs-xl);margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li+li{margin-top:.4em}
.prose .law{margin-top:1.2em}
.prose img{border-radius:var(--r-m)}
.byline{display:flex;align-items:center;gap:14px;color:var(--ink-soft);font-size:var(--fs-s);margin-top:20px;flex-wrap:wrap}
.byline img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.byline b{color:var(--ink);display:block}
.aside{display:grid;gap:24px;align-content:start;position:sticky;top:24px;align-self:start}
@media (max-width:899px){.aside{position:static}}
.aside .box{background:var(--surface);border-radius:var(--r-m);padding:22px;box-shadow:var(--shadow-1)}
.aside .box h2{font-size:var(--fs-l);margin-bottom:10px}
.aside .box ul{list-style:none;padding:0;display:grid;gap:10px}
.aside .box li{margin:0}
.aside .box a{color:var(--ink);text-decoration:none;font-weight:500}
.aside .box a:hover{text-decoration:underline}
.aside .cta{background:var(--ground-dark);color:var(--ink-on-dark)}
.aside .cta h2{color:var(--ink-on-dark)}
.aside .cta p{color:var(--soft-on-dark);font-size:var(--fs-s)}
.aside .cta .btn{margin-top:14px}
/* @defer */
.share{display:flex;gap:10px;flex-wrap:wrap;margin-top:32px;padding-top:24px;border-top:1px solid var(--line)}
.share a{font-size:var(--fs-s)}
.related{padding-top:0}
.related .posts{margin-top:24px}
/* @end */
.article-hero{background:var(--ground-dark);color:var(--ink-on-dark);padding-block:clamp(32px,4vw,64px)}
.article-hero .shell{max-width:min(var(--shell),100% - 2*clamp(16px,4vw,40px))}
.article-hero h1{max-width:22ch;font-size:var(--fs-3xl)}
.article-hero .cat{color:var(--accent);font-weight:700;font-size:var(--fs-s);text-decoration:none;display:inline-block;margin-bottom:14px}
.article-hero .byline{color:var(--soft-on-dark)}
.article-hero .byline b{color:var(--ink-on-dark)}
.cover-wide{width:min(var(--shell),100% - 2*clamp(16px,4vw,40px));margin:-40px auto 0;position:relative;z-index:2;border-radius:var(--r-l);overflow:hidden;box-shadow:var(--shadow-2);aspect-ratio:21/9;background:var(--surface)}
.cover-wide img{width:100%;height:100%;object-fit:cover}
@media (max-width:899px){.article .shell{grid-template-columns:1fr}.cover-wide{aspect-ratio:16/9;margin-top:-24px}}

/* Contact */
.contact-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,5vw,80px)}
.contact-grid .ways{display:grid;gap:12px}
.contact-grid .ways div{background:var(--surface);border-radius:var(--r-s);padding:16px 18px;box-shadow:var(--shadow-1)}
.contact-grid .ways b{display:block;font-size:var(--fs-s);color:var(--ink-soft);font-weight:500}
.contact-grid .ways a,.contact-grid .ways span{font-weight:700;color:var(--ink);text-decoration:none;font-size:var(--fs-l)}
@media (max-width:899px){.contact-grid{grid-template-columns:1fr}}

/* Footer */
footer{border-top:1px solid var(--line);padding:48px 0 calc(48px + var(--callbar-h) + env(safe-area-inset-bottom,0px));font-size:var(--fs-s);color:var(--ink-soft)}
footer .shell{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,4fr) minmax(0,4fr);gap:var(--gap)}
footer img{width:150px;height:84px;object-fit:contain}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px;max-width:none}
footer li{margin:0}
footer a{color:var(--ink)}
footer .legal{grid-column:1/-1;border-top:1px solid var(--line);padding-top:20px;margin-top:8px;display:grid;gap:8px}
@media (max-width:899px){footer .shell{grid-template-columns:1fr 1fr}footer .shell>div:first-child{grid-column:1/-1}}
@media (min-width:900px){footer{padding-bottom:48px}}

/* Call bar: fixed, never hidden, nothing above it */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:1000;display:flex;align-items:center;justify-content:center;height:calc(var(--callbar-h) + env(safe-area-inset-bottom,0px));padding-bottom:env(safe-area-inset-bottom,0px);background:var(--accent);color:var(--accent-ink);text-decoration:none;font-weight:800;font-size:1.125rem;letter-spacing:.01em;box-shadow:0 -1px 0 rgba(6,26,46,.12),0 -8px 24px rgba(6,26,46,.12)}
.callbar svg{width:22px;height:22px;margin-right:10px}
.callbar:focus-visible{outline:3px solid var(--ink);outline-offset:-5px}
@media (min-width:900px){.callbar{display:none}}
.cookie{position:fixed;left:0;right:0;bottom:calc(var(--callbar-h) + env(safe-area-inset-bottom,0px));z-index:900;background:var(--surface);color:var(--ink);border-top:1px solid var(--line);font-size:var(--fs-s);padding:8px 16px;display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap}
.cookie[hidden]{display:none}
@media (min-width:900px){.cookie{bottom:0}}
.cookie button{font:inherit;font-weight:700;background:none;border:1.5px solid var(--ink);border-radius:var(--r-pill);padding:6px 14px;min-height:36px;cursor:pointer;color:var(--ink)}

/* Print */
@media print{.callbar,.cookie,.menu-btn{display:none}}

/* Home hero: the layered stage (also documented in 08-design-system/SYSTEM.html) */
.hero{background:var(--ground-dark);color:var(--ink-on-dark);padding-block:clamp(32px,5vw,80px) clamp(64px,8vw,120px);overflow:hidden;position:relative}
.hero .shell{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(32px,4vw,64px);align-items:center}
.hero h1{color:var(--ink-on-dark)}
.hero .lead{color:var(--soft-on-dark);max-width:44ch}
.hero .promise{font-weight:700;font-size:var(--fs-l);color:var(--ink-on-dark)}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.stage{position:relative;min-height:clamp(360px,44vw,560px)}
.stage .word{position:absolute;left:0;bottom:-.1em;margin:0;font-family:var(--font-display);font-weight:400;font-size:var(--fs-giant);line-height:1;letter-spacing:-.01em;color:var(--word-on-dark);text-transform:uppercase;user-select:none;pointer-events:none;z-index:0;max-width:none}
.frame{position:relative;z-index:1;width:min(100%,640px);margin-left:auto;aspect-ratio:16/10;border-radius:var(--r-l);overflow:hidden;box-shadow:0 0 0 1px rgba(238,246,250,.08),var(--shadow-2)}
.frame img{width:100%;height:100%;object-fit:cover}
.card{position:absolute;z-index:2;background:var(--surface-dark);color:var(--ink-on-dark);border-radius:var(--r-m);padding:16px 20px;box-shadow:0 0 0 1px rgba(238,246,250,.08),var(--shadow-1);max-width:250px}
.card .n{display:block;font-size:var(--fs-2xl);font-weight:800;line-height:1;letter-spacing:-.02em;color:var(--accent)}
.card .l{display:block;color:var(--soft-on-dark);font-size:var(--fs-s);margin-top:6px;line-height:1.35}
.card .src{display:block;color:var(--soft-on-dark);font-size:.75rem;margin-top:8px;opacity:.85}
.card-a{left:-8px;top:8%}
.card-b{right:-8px;bottom:-8%}
.card-c{left:14%;bottom:-14%}
@media (max-width:899px){
  .hero .shell{grid-template-columns:1fr}
  .stage{min-height:0;margin-top:16px;padding-top:15vw;padding-bottom:12px}
  .frame{width:100%}
  .card{position:static;max-width:none}
  .cards{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:-28px;padding-inline:12px;position:relative;z-index:2}
  .cards .card-c{grid-column:1/-1}
  .stage .word{bottom:auto;top:0;left:0;font-size:26vw}
}

/* Gap: the bar pair */
.gap .shell{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:var(--gap);align-items:end}
.bars{display:grid;grid-template-columns:1fr 1fr;gap:clamp(16px,3vw,40px);align-items:end;height:clamp(240px,30vw,360px);padding-top:24px}
.bar{display:flex;flex-direction:column;justify-content:flex-end;height:100%}
.bar .fill{border-radius:var(--r-s) var(--r-s) 0 0;transform-origin:bottom;background:var(--line)}
.bar-pa .fill{background:var(--accent)}
.bar .v{font-size:var(--fs-2xl);font-weight:800;letter-spacing:-.02em;line-height:1;margin-bottom:10px}
.bar .k{color:var(--ink-soft);font-size:var(--fs-s);margin-top:10px;line-height:1.35;border-top:1px solid var(--line);padding-top:10px}
.gap .source{color:var(--ink-soft);font-size:var(--fs-s);margin-top:12px}
@media (max-width:899px){.gap .shell{grid-template-columns:1fr}.bars{height:220px}}

/* Cost */
.cost{background:var(--tint)}
.cost .shell{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:var(--gap)}
.cost .caps{display:grid;grid-template-columns:1fr 1fr;gap:var(--gap);margin-top:24px}
.cap .n{display:block;font-size:var(--fs-4xl);font-weight:800;line-height:1;letter-spacing:-.02em}
.cap .l{display:block;color:var(--ink-soft);margin-top:8px;font-size:var(--fs-s);line-height:1.4}
@media (max-width:899px){.cost .shell{grid-template-columns:1fr}}

/* What we handle: the photo tiles */
.handle .intro{max-width:30ch;font-size:var(--fs-3xl);font-weight:800;line-height:1.15;letter-spacing:-.01em}
.intro .w{display:inline-block}
.tiles{display:grid;grid-template-columns:repeat(12,1fr);grid-auto-rows:minmax(180px,auto);gap:var(--gap);margin-top:40px}
.tile{position:relative;display:flex;align-items:flex-end;border-radius:var(--r-m);overflow:hidden;text-decoration:none;color:var(--ink-on-dark);background:var(--surface-dark);min-height:240px;isolation:isolate}
.tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;transition:transform 200ms var(--ease)}
@media (hover:hover){.tile:hover img{transform:scale(1.03)}}
.tile .scrim{position:absolute;inset:auto 0 0 0;height:62%;background:linear-gradient(to top,rgba(6,26,46,.92),rgba(6,26,46,0));z-index:1}
.tile .t{position:relative;z-index:2;padding:20px 22px;display:flex;flex-direction:column;gap:4px}
.tile h3{color:var(--ink-on-dark);font-size:var(--fs-xl)}
.tile span{color:var(--soft-on-dark);font-size:var(--fs-s)}
.tile .ic{position:absolute;top:16px;right:16px;z-index:2;width:56px;height:56px;border-radius:50%;background:var(--surface);padding:8px;box-shadow:var(--shadow-1)}
.tile .ic img{position:static;width:100%;height:100%;object-fit:contain}
.tile-storm{grid-column:span 5;grid-row:span 2}
.tile-water{grid-column:span 7}
.tile-fire{grid-column:span 3;background:var(--tint);color:var(--ink)}
.tile-fire h3{color:var(--ink)}
.tile-fire span{color:var(--ink-soft)}
.tile-fire .big{position:absolute;inset:12px 12px 48% 12px;display:grid;place-items:center;z-index:0}
.tile-fire .big img{position:static;width:auto;height:100%;max-height:120px;object-fit:contain}
.tile-mold{grid-column:span 4}
@media (max-width:899px){
  .tiles{grid-template-columns:1fr 1fr;grid-auto-rows:auto}
  .tile{min-height:200px}
  .tile-storm{grid-column:1/-1;grid-row:auto;min-height:260px}
  .tile-water,.tile-mold,.tile-fire{grid-column:auto}
  .tile-fire{min-height:240px}
  .tile-fire .big{inset:10px 10px 56% 10px}
  .tile-fire .big img{max-height:84px}
  .tile-mold{grid-column:1/-1}
}

/* @defer */
/* Doubts */
.doubts .shell{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(32px,5vw,80px)}
.doubt h2{font-size:var(--fs-2xl)}
.doubt .law{margin-top:16px}
@media (max-width:899px){.doubts .shell{grid-template-columns:1fr}}
.faq-home{padding-top:0}
.faq-home .shell{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:var(--gap)}
.faq-home .art{width:min(100%,320px);margin-top:16px}
@media (max-width:899px){.faq-home .shell{grid-template-columns:1fr}}

/* Florida claim news: three dated headline cards, the whole card is the reading unit, the headline is the link. */
.news-list{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--gap);max-width:none}
.news-card{margin:0;background:var(--surface);border-radius:var(--r-m);padding:24px 24px 26px;box-shadow:var(--shadow-1);display:flex;flex-direction:column;gap:14px;transition:transform 140ms var(--ease),box-shadow 140ms var(--ease)}
@media (hover:hover){.news-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-2)}.news-card h3 a:hover{text-decoration:underline;text-decoration-color:var(--accent-text)}}
.news-card .kicker{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:var(--fs-s);font-weight:700;color:var(--accent-text);letter-spacing:.01em;max-width:none}
.news-card time{color:var(--ink-soft);font-weight:500;font-variant-numeric:tabular-nums}
.news-card h3{font-size:var(--fs-l);line-height:1.3}
.news-card h3 a{color:var(--ink);text-decoration:none}
.news-card h3 a::after{content:" \2197";color:var(--accent-text);font-weight:700}
.news-card .means{color:var(--ink-soft);font-size:var(--fs-m);margin-top:auto;padding-top:14px;border-top:1px solid var(--line)}
.news-note{margin-top:20px;color:var(--ink-soft);font-size:var(--fs-s)}
@media (max-width:899px){.news-list{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){.news-card{transition:none}.news-card:hover{transform:none}}

/* Licensed */
.licensed{background:var(--tint)}
/* Mirrors More questions above it: there the art and heading sit left with the list right; here the list sits left
   and the heading with its art sits right (900 px up). Phones keep reading order: heading, then the list. */
.licensed .shell{display:grid;grid-template-columns:minmax(0,8fr) minmax(0,4fr);gap:var(--gap);align-items:start}
.licensed .shell>.stack{order:2}
.licensed .lic{order:1}
.licensed .art{width:min(100%,320px);margin-top:16px}
@media (max-width:899px){.licensed .shell{grid-template-columns:1fr}.licensed .shell>.stack,.licensed .lic{order:0}}

/* @end */
/* Utilities */
.cols-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:899px){.cols-3{grid-template-columns:1fr}}
.photo-card{border-radius:var(--r-m);overflow:hidden;box-shadow:0 0 0 1px rgba(238,246,250,.08);background:var(--surface-dark)}
.photo-card img{aspect-ratio:4/3;object-fit:cover;width:100%}
.photo-card p{padding:12px 16px;color:var(--soft-on-dark);font-size:var(--fs-s);max-width:none}