/* Diaz Risk Advisors — navy, ivory, crimson */
:root{
  --navy:#0f1f38; --navy-2:#182c4c; --navy-3:#24406a; --ivory:#f6f3ec; --paper:#fffdf9; --line:#e3ddd0; --line-2:#cfc7b6;
  --red:#9e1f2a; --red-2:#841922; --ink:#14213a; --muted:#5a6272; --on-navy:#dfe5ef; --on-navy-2:#9eabc2;
  --serif:"Libre Caslon Text",Georgia,serif; --sans:"Public Sans",system-ui,sans-serif;
  --gut:clamp(1rem,4vw,2.5rem); --sec:clamp(4rem,8vw,7rem); --r:10px; --ease:cubic-bezier(.22,1,.36,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:6rem}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.03rem/1.65 var(--sans);-webkit-font-smoothing:antialiased;overflow-x:clip}
img,svg{display:block;max-width:100%}
[hidden]{display:none!important}
a{color:inherit}
h1,h2,h3{margin:0;font-weight:400;text-wrap:balance}
h1,h2{font-family:var(--serif);letter-spacing:-.01em;line-height:1.12}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem)}
h3{font:600 1.08rem/1.35 var(--sans)}
p{margin:0 0 1em;text-wrap:pretty}
em{font-style:italic;color:var(--red)}
.wrap{max-width:1200px;margin:0 auto;padding:0 var(--gut)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:0;z-index:99;background:var(--navy);color:#fff;padding:.6rem 1rem}
.skip:focus{left:1rem}
:focus-visible{outline:3px solid #c9a14a;outline-offset:2px;border-radius:4px}
.ic{width:22px;height:22px;flex:none}
.ic--sm{width:16px;height:16px}
.kicker{font:600 .78rem/1.2 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--red);margin:0 0 .9rem}
.kicker--light{color:#e7a6ab}
.lede{font-size:1.12rem;color:var(--muted);max-width:40rem}
.muted{color:var(--muted);font-size:.95rem}
.opt{font-weight:400;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:50px;padding:.8rem 1.4rem;border-radius:6px;font:600 1rem/1 var(--sans);text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s,transform .15s}
.btn .ic{width:18px;height:18px;transition:transform .25s var(--ease)}
.btn:hover .ic{transform:translateX(3px)}
.btn:active{transform:scale(.98)}
.btn--red{background:var(--red);color:#fff}
.btn--red:hover{background:var(--red-2)}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--navy-2)}
.btn--ghost{border-color:var(--line-2);color:var(--ink);background:transparent}
.btn--ghost:hover{border-color:var(--navy);background:var(--ivory)}
.btn--ghost-light{border-color:rgba(255,255,255,.35);color:#fff;background:transparent}
.btn--ghost-light:hover{background:rgba(255,255,255,.08);border-color:#fff}
.btn--sm{min-height:42px;padding:.6rem 1rem;font-size:.94rem}
.btn--block{width:100%}
.cta-row{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.8rem}

/* top bar + header */
.topbar{background:var(--navy);color:var(--on-navy-2);font-size:.84rem}
.topbar__in{display:flex;justify-content:space-between;gap:1rem;padding-top:.45rem;padding-bottom:.45rem}
.topbar__r{display:flex;gap:1.2rem}
.topbar a{color:var(--on-navy);text-decoration:none}
.topbar a:hover{color:#fff;text-decoration:underline}
@media (max-width:700px){.topbar__in>span:first-child{display:none}.topbar__in{justify-content:center}}
.hdr{position:sticky;top:0;z-index:40;background:rgba(255,253,249,.94);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
.hdr.is-scrolled{border-bottom-color:var(--line);box-shadow:0 6px 20px -16px rgba(15,31,56,.4)}
.hdr__in{display:flex;align-items:center;justify-content:space-between;height:76px;gap:1rem}
.logo{display:flex;align-items:center;gap:.65rem;text-decoration:none}
.logo__mark{width:34px;height:39px;flex:none}
.logo b{display:block;font:700 1.12rem/1.1 var(--serif);color:var(--navy)}
.logo small{display:block;font:600 .64rem/1.2 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--red);margin-top:3px}
.logo--light b{color:#fff}
.logo--light small{color:#e7a6ab}
.nav{display:flex;align-items:center;gap:1.5rem}
.nav>a:not(.btn){text-decoration:none;font-weight:500;font-size:.97rem;color:var(--ink);position:relative;padding:.3rem 0}
.nav>a:not(.btn):not(.nav__tel)::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease)}
.nav>a:hover::after,.nav>a[aria-current=page]::after{transform:scaleX(1)}
.nav__tel{display:inline-flex;align-items:center;gap:.4rem;font-weight:600!important;color:var(--navy)!important}
.nav__tel .ic{width:18px;height:18px;color:var(--red)}
.menu{display:none}
@media (max-width:980px){
  .menu{display:grid;gap:6px;place-content:center;width:46px;height:46px;border:0;background:none;cursor:pointer}
  .menu span:not(.sr){width:24px;height:2px;background:var(--navy);transition:transform .3s var(--ease)}
  .menu[aria-expanded=true] span:nth-child(1){transform:translateY(4px) rotate(45deg)}
  .menu[aria-expanded=true] span:nth-child(2){transform:translateY(-4px) rotate(-45deg)}
  .nav{position:fixed;left:0;right:0;top:var(--navtop,108px);flex-direction:column;align-items:stretch;gap:0;background:var(--paper);padding:.5rem var(--gut) 1.5rem;border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(0,0,0,.25);visibility:hidden;opacity:0;transform:translateY(-8px);transition:opacity .25s,transform .3s var(--ease),visibility 0s .3s}
  .nav.open{visibility:visible;opacity:1;transform:none;transition:opacity .25s,transform .3s var(--ease)}
  .nav>a:not(.btn){padding:.9rem 0;border-bottom:1px solid var(--line);font-size:1.05rem}
  .nav>a::after{display:none}
  .nav .btn{margin-top:1rem}
}

/* hero */
.hero{background:var(--navy);color:var(--on-navy);position:relative;overflow:hidden;padding:clamp(3rem,7vw,5.5rem) 0 0}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(60rem 30rem at 85% -10%,rgba(36,64,106,.9),transparent 60%),
  repeating-linear-gradient(135deg,rgba(255,255,255,.025) 0 1px,transparent 1px 22px);pointer-events:none}
.hero__in{position:relative;display:grid;gap:3rem;align-items:center}
@media (min-width:980px){.hero__in{grid-template-columns:1.25fr .9fr;gap:4rem}}
.hero__h{font-size:clamp(2.6rem,6vw,4.6rem);line-height:1.04;color:#fff}
.hero__h em{color:#f0b3b8}
.hero__sub{font-size:1.15rem;max-width:36rem;margin:1.5rem 0 0;color:var(--on-navy)}
.hero__facts{list-style:none;padding:0;margin:2rem 0 0;display:flex;flex-wrap:wrap;gap:.6rem 1.6rem;font-size:.95rem}
.hero__facts li{display:flex;align-items:center;gap:.45rem}
.hero__facts .ic{width:18px;height:18px;color:#f0b3b8}
.js .hero__copy>*{opacity:0;transform:translateY(18px);animation:up .8s var(--ease) forwards}
.js .hero__copy>:nth-child(2){animation-delay:.08s}.js .hero__copy>:nth-child(3){animation-delay:.16s}.js .hero__copy>:nth-child(4){animation-delay:.24s}.js .hero__copy>:nth-child(5){animation-delay:.32s}
.js .finder{opacity:0;transform:translateY(24px);animation:up .9s .3s var(--ease) forwards}
@keyframes up{to{opacity:1;transform:none}}

.finder{background:var(--paper);color:var(--ink);border-radius:14px;padding:1.4rem;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
.finder__t{font:400 1.35rem/1.2 var(--serif);margin-bottom:1rem;color:var(--navy)}
.finder__tabs{display:grid;grid-template-columns:1fr 1fr;background:var(--ivory);border-radius:8px;padding:4px;margin-bottom:.8rem}
.finder__tabs button{font:600 .92rem/1 var(--sans);border:0;background:transparent;color:var(--muted);padding:.75rem .5rem;border-radius:6px;cursor:pointer;transition:background .2s,color .2s,box-shadow .2s}
.finder__tabs button[aria-selected=true]{background:#fff;color:var(--navy);box-shadow:0 2px 8px -4px rgba(15,31,56,.35)}
.finder__list a{display:flex;align-items:center;gap:.8rem;padding:.8rem .6rem;border-bottom:1px solid var(--line);text-decoration:none;font-weight:500;transition:background .2s,padding .25s var(--ease)}
.finder__list a:hover{background:var(--ivory);padding-left:.9rem}
.finder__list a span{flex:1}
.finder__list .ic{color:var(--red)}
.finder__list .ic--sm{color:var(--muted)}
.finder__list.swap{animation:fade .35s var(--ease)}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.finder__q{display:flex;align-items:center;justify-content:center;gap:.4rem;margin-top:1rem;font-weight:600;color:var(--red);text-decoration:none;font-size:.95rem}
.finder__q:hover{text-decoration:underline}
.stats{position:relative;display:grid;grid-template-columns:repeat(2,1fr);margin:clamp(3rem,6vw,4.5rem) 0 0;border-top:1px solid rgba(255,255,255,.14)}
@media (min-width:800px){.stats{grid-template-columns:repeat(4,1fr)}}
.stats div{padding:1.6rem 1rem 1.8rem 0}
.stats dt{font:400 clamp(1.8rem,3vw,2.4rem)/1 var(--serif);color:#fff}
.stats dd{margin:.5rem 0 0;font-size:.9rem;color:var(--on-navy-2)}

/* sections */
.sec{padding:var(--sec) 0}
.sec--tight{padding:clamp(3rem,6vw,4.5rem) 0}
.sec--ivory{background:var(--ivory)}
.shead{max-width:44rem;margin-bottom:clamp(2rem,4vw,3rem)}
.shead .lede{margin-top:1rem}
.split{display:grid;gap:2.5rem}
@media (min-width:980px){.split{grid-template-columns:1fr 1.1fr;gap:4.5rem;align-items:start}.split--form{grid-template-columns:1fr 1fr}}

/* line cards */
.lines{display:grid;gap:1rem}
@media (min-width:640px){.lines{grid-template-columns:repeat(2,1fr)}}
@media (min-width:980px){.lines{grid-template-columns:repeat(3,1fr)}}
.lcard{position:relative;display:flex;flex-direction:column;gap:.35rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.5rem 1.4rem 1.3rem;text-decoration:none;transition:border-color .25s,box-shadow .3s var(--ease),transform .3s var(--ease);overflow:hidden}
.lcard::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--red);transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease)}
.lcard:hover{border-color:var(--line-2);box-shadow:0 18px 36px -24px rgba(15,31,56,.45);transform:translateY(-3px)}
.lcard:hover::before{transform:scaleX(1)}
.lcard__ic{width:46px;height:46px;border-radius:10px;background:var(--ivory);display:grid;place-items:center;color:var(--navy);margin-bottom:.6rem;transition:background .3s,color .3s}
.lcard:hover .lcard__ic{background:var(--navy);color:#fff}
.lcard__g{font:600 .72rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.lcard h3{font:400 1.3rem/1.25 var(--serif);color:var(--navy)}
.lcard p{color:var(--muted);font-size:.97rem;margin:0;flex:1}
.lcard__more{display:inline-flex;align-items:center;gap:.35rem;margin-top:.9rem;font-weight:600;font-size:.93rem;color:var(--red)}
.lcard__more .ic{width:16px;height:16px;transition:transform .25s var(--ease)}
.lcard:hover .lcard__more .ic{transform:translateX(4px)}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:1rem}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.4rem 1.4rem 1.2rem;display:grid;grid-template-columns:3rem 1fr;column-gap:1rem}
.step__n{grid-row:span 2;font:400 1.6rem/1 var(--serif);color:var(--red)}
.steps h3{margin-bottom:.3rem}
.steps p{margin:0;color:var(--muted)}

/* why */
.whys{display:grid;gap:1.2rem}
@media (min-width:860px){.whys{grid-template-columns:repeat(3,1fr)}}
.why{border-top:2px solid var(--navy);padding-top:1.3rem}
.why__ic{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--ivory);color:var(--red);margin-bottom:1rem}
.why h3{font:400 1.3rem/1.25 var(--serif);color:var(--navy);margin-bottom:.5rem}
.why p{color:var(--muted);margin:0}

/* story band */
.story{background:var(--navy);color:var(--on-navy);padding:var(--sec) 0}
.story__in{display:grid;gap:3rem;align-items:center}
@media (min-width:900px){.story__in{grid-template-columns:.7fr 1.3fr;gap:5rem}}
.story h2{color:#fff;margin-bottom:1.2rem}
.story p{color:var(--on-navy)}
.story .btn{margin-top:.6rem}
.story__mark{aspect-ratio:1;max-width:320px;width:100%;justify-self:center;border:1px solid rgba(255,255,255,.2);border-radius:50%;display:grid;place-content:center;text-align:center;position:relative}
.story__mark::before{content:"";position:absolute;inset:14px;border:1px dashed rgba(240,179,184,.45);border-radius:50%;animation:spin 60s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.story__mark span{font:600 .8rem/1 var(--sans);letter-spacing:.3em;text-transform:uppercase;color:#f0b3b8}
.story__mark b{font:400 clamp(3.4rem,8vw,5rem)/1.05 var(--serif);color:#fff}
.story__mark small{font-size:.82rem;color:var(--on-navy-2);max-width:12rem;margin:0 auto}

/* forms */
.card-form{background:#fff;border:1px solid var(--line);border-radius:14px;padding:clamp(1.3rem,3vw,2rem);box-shadow:0 30px 60px -45px rgba(15,31,56,.5)}
.card-form__h{font-size:1.6rem;margin-bottom:1.2rem}
.qform{display:grid;gap:1rem}
.f2{display:grid;gap:1rem}
@media (min-width:560px){.f2{grid-template-columns:1fr 1fr}}
label{display:grid;gap:.4rem;font-weight:600;font-size:.92rem;color:var(--ink)}
input,select,textarea{font:inherit;font-weight:400;font-size:16px;color:var(--ink);background:var(--paper);border:1px solid var(--line-2);border-radius:6px;padding:.8rem .9rem;transition:border-color .2s,box-shadow .2s;width:100%}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(36,64,106,.15)}
.is-invalid{border-color:var(--red)!important;box-shadow:0 0 0 3px rgba(158,31,42,.12)!important}
.hp{display:none}
.fnote{font-size:.85rem;color:var(--muted);text-align:center;margin:0}
.fmsg{margin:0;font-size:.95rem;color:var(--red)}
.or{margin:1rem 0 0;text-align:center;font-size:.95rem;color:var(--muted)}
.or a{color:var(--navy);font-weight:600}
.ticks{list-style:none;padding:0;margin:1.5rem 0;display:grid;gap:.6rem}
.ticks li{display:flex;gap:.6rem;align-items:flex-start}
.ticks .ic{width:20px;height:20px;color:var(--red);margin-top:2px}
.ticks--lg li{font-size:1.05rem}
.areas{margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--line)}
.areas h3{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.8rem}
.areas ul,.chips{list-style:none;padding:0;margin:0 0 .6rem;display:flex;flex-wrap:wrap;gap:.45rem}
.areas li,.chips li{background:var(--ivory);border:1px solid var(--line);border-radius:999px;padding:.3rem .8rem;font-size:.9rem}
.areas p{margin:0;color:var(--muted);font-size:.92rem}

/* wizard */
.qwrap{display:grid;gap:2rem}
@media (min-width:980px){.qwrap{grid-template-columns:1.6fr .8fr;align-items:start}}
.wsteps{list-style:none;padding:0;margin:0 0 1.6rem;display:grid;grid-template-columns:repeat(4,1fr);gap:.4rem;counter-reset:s}
.wsteps li{counter-increment:s;font-size:.8rem;font-weight:600;color:var(--muted);padding-top:.7rem;border-top:3px solid var(--line);transition:color .3s,border-color .3s}
.wsteps li::before{content:counter(s) ". "}
.wsteps li.on{color:var(--navy);border-color:var(--red)}
fieldset{border:0;padding:0;margin:0;display:grid;gap:1rem;min-width:0}
legend{font:400 1.5rem/1.25 var(--serif);color:var(--navy);margin-bottom:.3rem;padding:0}
.wstep:not([hidden]){animation:fade .4s var(--ease)}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(135px,1fr));gap:.6rem}
.tile{display:flex;flex-direction:column;gap:.55rem;padding:.9rem .85rem;border:1.5px solid var(--line);border-radius:10px;cursor:pointer;font-weight:600;font-size:.93rem;transition:border-color .2s,background .2s,transform .2s var(--ease);position:relative}
.tile input{position:absolute;opacity:0;pointer-events:none}
.tile .ic{color:var(--navy)}
.tile:hover{border-color:var(--line-2);transform:translateY(-2px)}
.tile:has(input:checked){border-color:var(--red);background:#fbf1f1}
.tile:has(input:checked)::after{content:"✓";position:absolute;top:.6rem;right:.7rem;width:22px;height:22px;border-radius:50%;background:var(--red);color:#fff;font-size:.8rem;display:grid;place-items:center}
.tile:has(input:focus-visible){outline:3px solid #c9a14a;outline-offset:2px}
.ferr{display:none;color:var(--red);font-size:.92rem;margin:0}
.ferr.show{display:block}
.wnav{display:flex;align-items:center;gap:1rem;margin-top:1.6rem;padding-top:1.2rem;border-top:1px solid var(--line)}
.wcount{flex:1;text-align:center;font-size:.88rem;color:var(--muted)}
.review{display:grid;grid-template-columns:auto 1fr;gap:.55rem 1.2rem;margin:0;background:var(--ivory);padding:1.1rem 1.2rem;border-radius:8px}
.review dt{font-weight:600;font-size:.9rem;color:var(--muted)}
.review dd{margin:0;overflow-wrap:anywhere}
.qside{display:grid;gap:.8rem;position:sticky;top:7rem}
.qside h3{font:400 1.3rem/1.2 var(--serif);color:var(--navy)}

/* contact */
.contact{display:grid;gap:.8rem}
.cway{display:flex;gap:1rem;align-items:center;padding:1rem 1.1rem;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;background:#fff;transition:border-color .2s,transform .25s var(--ease)}
.cway:hover{border-color:var(--navy);transform:translateX(3px)}
.cway>span{width:44px;height:44px;border-radius:50%;background:var(--ivory);color:var(--red);display:grid;place-items:center;flex:none}
.cway small{display:block;font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-weight:600}
.cway b{font-weight:600;color:var(--navy);overflow-wrap:anywhere}
.cblock{padding:1.2rem 0;border-top:1px solid var(--line)}
.cblock h3{margin-bottom:.7rem}
.hours{list-style:none;padding:0;margin:0 0 .8rem}
.hours li{display:flex;justify-content:space-between;gap:1rem;padding:.35rem 0;border-bottom:1px dotted var(--line-2)}

/* page hero */
.phero{background:var(--ivory);border-bottom:1px solid var(--line);padding:clamp(2.5rem,6vw,4.5rem) 0 clamp(2.5rem,5vw,3.8rem)}
.phero__in{position:relative}
.phero h1{font-size:clamp(2.2rem,5vw,3.6rem);color:var(--navy);max-width:48rem}
.phero .lede{margin-top:1.1rem}
.phero__ic{position:absolute;right:var(--gut);top:50%;transform:translateY(-50%);width:clamp(90px,14vw,170px);height:clamp(90px,14vw,170px);border-radius:50%;background:#fff;border:1px solid var(--line);display:grid;place-items:center;color:var(--navy)}
.phero__ic .ic{width:45%;height:45%;stroke-width:1.2}
@media (max-width:860px){.phero__ic{display:none}}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:1.3rem}
.crumbs a{color:var(--navy);text-decoration:none}
.crumbs a:hover{text-decoration:underline}

/* coverage page */
.cov{display:grid;gap:2.5rem}
@media (min-width:980px){.cov{grid-template-columns:1.5fr .9fr;gap:4rem;align-items:start}}
.cov__main h2{margin-bottom:1rem}
.cov__lead{font-size:1.12rem;color:var(--ink)}
.cov__h{font:400 1.35rem/1.2 var(--serif);color:var(--navy);margin:2rem 0 1rem}
.feats{list-style:none;padding:0;margin:0;display:grid;gap:.1rem 1.5rem}
@media (min-width:600px){.feats{grid-template-columns:1fr 1fr}}
.feats li{display:flex;gap:.6rem;align-items:flex-start;padding:.7rem 0;border-bottom:1px solid var(--line)}
.feats .ic{width:20px;height:20px;color:var(--red);margin-top:2px}
.cov__side{background:var(--navy);color:var(--on-navy);border-radius:14px;padding:1.6rem;position:sticky;top:7rem}
.cov__side h3{font:400 1.35rem/1.2 var(--serif);color:#fff;margin-bottom:1rem}
.covered{list-style:none;padding:0;margin:0 0 1.5rem;display:grid;gap:.55rem}
.covered li{display:flex;gap:.6rem;align-items:flex-start;font-size:.97rem}
.covered .ic{width:19px;height:19px;color:#f0b3b8;margin-top:2px}
.cov__call{text-align:center;margin:.8rem 0 0;font-size:.95rem}
.cov__call a{color:#fff;font-weight:600}
.cov__fine{margin:1.2rem 0 0;font-size:.82rem;color:var(--on-navy-2);border-top:1px solid rgba(255,255,255,.14);padding-top:1rem}
.whos{display:grid;gap:1rem}
@media (min-width:700px){.whos{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.whos{grid-template-columns:repeat(3,1fr)}}
.who{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.3rem 1.3rem 1.1rem}
.who h3{color:var(--navy);margin-bottom:.4rem}
.who p{margin:0;color:var(--muted);font-size:.97rem}
.faqwrap{display:grid;gap:1rem}
@media (min-width:980px){.faqwrap{grid-template-columns:.8fr 1.2fr;gap:4rem}}
.faq details{border-top:1px solid var(--line);padding:1.1rem 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;font:400 1.15rem/1.35 var(--serif);color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:12px;height:12px;margin-top:.4rem;border-right:2px solid var(--red);border-bottom:2px solid var(--red);transform:rotate(45deg);transition:transform .3s var(--ease)}
.faq details[open] summary::after{transform:rotate(225deg)}
.faq details p{margin:.8rem 0 0;color:var(--muted)}
.more__h{font-size:1.5rem;margin-bottom:1.2rem}
.more{display:flex;flex-wrap:wrap;gap:.6rem}
.more a{display:inline-flex;align-items:center;gap:.5rem;padding:.6rem 1rem;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:500;font-size:.94rem;background:#fff;transition:border-color .2s,background .2s}
.more a .ic{width:18px;height:18px;color:var(--red)}
.more a:hover{border-color:var(--navy);background:var(--ivory)}

/* cta band */
.band{background:var(--navy);color:var(--on-navy);padding:clamp(3rem,6vw,4.5rem) 0}
.band__in{display:grid;gap:1.5rem;align-items:center}
@media (min-width:900px){.band__in{grid-template-columns:1.3fr 1fr}.band .cta-row{justify-content:flex-end;margin:0}}
.band h2{color:#fff;margin-bottom:.6rem}
.band p{margin:0;max-width:38rem}

/* prose + timeline */
.prose h2{margin-bottom:1rem}
.prose p{font-size:1.07rem}
.prose--narrow{max-width:46rem}
.timeline{list-style:none;padding:0;margin:0;border-left:2px solid var(--line);display:grid;gap:1.6rem}
.timeline li{position:relative;padding-left:1.6rem}
.timeline li::before{content:"";position:absolute;left:-7px;top:.45rem;width:12px;height:12px;border-radius:50%;background:var(--paper);border:2px solid var(--red)}
.timeline b{font:400 1.25rem/1.2 var(--serif);color:var(--navy)}
.timeline p{margin:.3rem 0 0;color:var(--muted)}

/* footer */
.ftr{background:#0b1729;color:var(--on-navy-2);padding:4rem 0 6rem;font-size:.94rem}
@media (min-width:760px){.ftr{padding-bottom:2rem}}
.ftr__grid{display:grid;gap:2.2rem}
@media (min-width:900px){.ftr__grid{grid-template-columns:1.3fr 1.1fr .8fr 1.1fr}}
.ftr__brand p{max-width:22rem;margin-top:1rem}
.ftr h2{font:600 .76rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:#fff;margin-bottom:1rem}
.ftr a{display:block;text-decoration:none;padding:.22rem 0;color:var(--on-navy);overflow-wrap:anywhere}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr__social{display:flex;gap:1.2rem}
.ftr__hours{list-style:none;padding:0;margin:.8rem 0 0;font-size:.88rem}
.ftr__hours li{display:flex;justify-content:space-between;gap:1rem;padding:.15rem 0}
.ftr__base{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem;margin-top:3rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.1);font-size:.84rem}
.ftr__base a{display:inline;padding:0}

/* mobile action bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:45;display:grid;grid-template-columns:1fr 1fr 1.4fr;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px -16px rgba(15,31,56,.4);padding-bottom:env(safe-area-inset-bottom)}
.mbar a{display:flex;align-items:center;justify-content:center;gap:.4rem;min-height:58px;font-weight:600;text-decoration:none;color:var(--navy)}
.mbar a .ic{width:19px;height:19px;color:var(--red)}
.mbar__q{background:var(--red);color:#fff!important}
@media (min-width:760px){.mbar{display:none}}

/* reveal */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .8s var(--ease),transform .8s var(--ease);transition-delay:calc(var(--i,0)*80ms)}
.js .reveal.in{opacity:1;transform:none}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .js .reveal,.js .hero__copy>*,.js .finder{opacity:1;transform:none}
}