/* ==========================================================================
   Vets In Homes
   Palette is the flag's own spec — Old Glory Blue and Old Glory Red — kept
   disciplined: navy carries the page, red is spent only on actions, and the
   neutral is service khaki rather than grey so nothing reads corporate.
   Type: Archivo Black for punch, Oswald for signage and figures, Public Sans
   for body — the face the federal design system and VA.gov are set in.
   Deliberately single-theme: this page is a flag, not a preference.
   ========================================================================== */

:root {
  --blue-900: #061a3a;
  --blue-800: #0b2a5b;
  --blue-700: #123a78;
  --blue-600: #14418f;
  --blue-300: #7fa3d8;

  --red:      #b22234;   /* Old Glory Red, exact */
  --red-dark: #8d1a29;
  --red-lite: #d94a5c;

  --gold:     #c8a951;
  --sand:     #f5f2ea;
  --sand-2:   #e7e0d0;
  --sand-3:   #d6cdb8;

  --ink:      #15202e;
  --ink-2:    #4c5768;
  --white:    #fff;
  --ok:       #1d6b46;

  --display: 'Archivo Black', 'Arial Black', Impact, sans-serif;
  --stencil: 'Oswald', 'Arial Narrow', sans-serif;
  --body: 'Public Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  --wrap: 1180px;
  --r: 4px;
  --shadow: 0 2px 4px rgba(6,26,58,.08), 0 12px 32px rgba(6,26,58,.12);
  --shadow-lift: 0 18px 50px rgba(6,26,58,.35);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

body {
  margin: 0;
  font-family: var(--body);
  font-size: 17px;
  line-height: 1.62;
  color: var(--ink);
  background: var(--sand);
  -webkit-font-smoothing: antialiased;
  padding-bottom: 70px;      /* clearance for the sticky mobile call bar */
}

img { max-width: 100%; height: auto; display: block; }

h1, h2, h3 {
  font-family: var(--display);
  font-weight: 400;          /* Archivo Black ships one weight */
  letter-spacing: -.015em;
  line-height: 1.04;
  color: var(--blue-900);
  text-wrap: balance;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2.2rem, 5.4vw, 3.6rem); }
h2 { font-size: clamp(1.6rem, 3.3vw, 2.35rem); }
h3 { font-size: 1.22rem; letter-spacing: -.005em; }
p  { margin: 0 0 1.05em; }

a { color: var(--blue-600); text-underline-offset: 2px; }
a:hover { color: var(--red); }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.wrap.narrow { max-width: 760px; }
.muted { color: var(--ink-2); }

.skip { position: absolute; left: -9999px; top: 0; background: var(--gold); color: var(--blue-900); padding: 10px 16px; z-index: 100; font-weight: 700; }
.skip:focus { left: 0; }

:where(a, button, input, select, textarea, summary):focus-visible {
  outline: 3px solid var(--gold); outline-offset: 2px;
}

/* --- the flag rule: a campaign-ribbon divider, used to open sections ----- */
.ribbon { height: 5px; border: 0; margin: 0; padding: 0;
  background: linear-gradient(90deg,
    var(--red) 0 33.33%, var(--white) 33.33% 66.66%, var(--blue-600) 66.66% 100%); }

/* -------------------------------------------------------------- buttons */
.btn {
  display: inline-block; background: var(--red); color: var(--white);
  font-family: var(--stencil); font-weight: 600; font-size: 1.02rem;
  letter-spacing: .06em; text-transform: uppercase; text-decoration: none;
  padding: 13px 26px; border: 2px solid var(--red); border-radius: var(--r);
  cursor: pointer; line-height: 1.2; text-align: center;
  transition: background .15s ease, border-color .15s ease, transform .08s ease;
}
.btn:hover { background: var(--red-dark); border-color: var(--red-dark); color: var(--white); }
.btn:active { transform: translateY(1px); }
.btn:disabled { opacity: .6; cursor: default; }
.btn-lg { padding: 16px 34px; font-size: 1.14rem; }
.btn-sm { padding: 9px 16px; font-size: .92rem; }
.btn-ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn-ghost:hover { background: rgba(255,255,255,.12); border-color: var(--white); color: var(--white); }
.btn-navy { background: var(--blue-800); color: var(--white); border-color: var(--blue-800); }
.btn-navy:hover { background: var(--blue-900); border-color: var(--blue-900); color: var(--white); }
.btn-gold { background: var(--gold); color: var(--blue-900); border-color: var(--gold); }
.btn-gold:hover { background: #b5964a; border-color: #b5964a; color: var(--blue-900); }

/* --------------------------------------------------------------- header */
.site-head { background: var(--blue-900); color: var(--white); position: sticky; top: 0; z-index: 50; }
.site-head::after { content: ''; display: block; height: 4px;
  background: linear-gradient(90deg, var(--red) 0 33.33%, var(--white) 33.33% 66.66%, var(--blue-600) 66.66% 100%); }
.head-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 70px; }
.brand { display: flex; align-items: center; gap: 11px; color: var(--white); text-decoration: none; }
.brand-mark { color: var(--gold); display: flex; }
.brand-text { font-family: var(--display); font-size: 1.35rem; letter-spacing: -.02em; color: var(--white); }
.brand-text b { color: var(--gold); font-weight: 400; }

.site-nav ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.site-nav a { font-family: var(--stencil); font-weight: 500; font-size: .95rem; letter-spacing: .04em;
  text-transform: uppercase; color: rgba(255,255,255,.86); text-decoration: none;
  padding: 9px 11px; border-radius: var(--r); display: block; }
.site-nav a:hover { background: rgba(255,255,255,.12); color: var(--white); }
.nav-cta a { background: var(--red); color: var(--white); }
.nav-cta a:hover { background: var(--red-dark); color: var(--white); }
.nav-toggle { display: none; background: transparent; color: var(--white);
  border: 1.5px solid rgba(255,255,255,.45); border-radius: var(--r); padding: 9px 15px;
  font: 500 .95rem/1 var(--stencil); letter-spacing: .08em; text-transform: uppercase; cursor: pointer; }

@media (max-width: 940px) {
  .nav-toggle { display: block; }
  .site-nav ul { display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--blue-800); padding: 8px; box-shadow: var(--shadow); }
  .site-nav ul.open { display: flex; }
  .site-nav a { padding: 14px 12px; }
  .nav-cta { margin-top: 6px; }
}

/* ----------------------------------------------------------------- hero */
/* Star field at very low opacity: present, never decorative clip-art. */
.hero {
  position: relative; color: var(--white);
  background:
    radial-gradient(circle at 18% 22%, rgba(255,255,255,.05) 0 1.4px, transparent 1.6px) 0 0/54px 54px,
    radial-gradient(circle at 62% 68%, rgba(255,255,255,.04) 0 1.2px, transparent 1.4px) 0 0/78px 78px,
    linear-gradient(155deg, var(--blue-800) 0%, var(--blue-900) 62%, #04122a 100%);
  padding: 54px 0 60px;
}
.hero h1 { color: var(--white); }
.kicker { font-family: var(--stencil); font-weight: 600; font-size: .95rem; letter-spacing: .2em;
  text-transform: uppercase; color: var(--gold); margin: 0 0 .8em;
  display: flex; align-items: center; gap: 11px; }
.kicker::before { content: ''; width: 34px; height: 3px; flex: 0 0 auto;
  background: linear-gradient(90deg, var(--red) 50%, var(--white) 50%); }
.lede { font-size: 1.18rem; color: rgba(255,255,255,.88); max-width: 56ch; }

/* Copy left, form right — the form must be visible without scrolling.
   Named areas rather than source order, so the phone gets copy -> form ->
   proof without the form being pushed below a wall of stats. */
.hero-grid {
  display: grid; grid-template-columns: 1.08fr .92fr;
  grid-template-areas: "copy form" "facts form";
  column-gap: 52px; row-gap: 0; align-items: start;
}
.hero-copy { grid-area: copy; }
.hero-form-card { grid-area: form; }
.hero-grid .hero-facts { grid-area: facts; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0 0; }
.hero-inner { max-width: 880px; }        /* heroes with no form */

@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; grid-template-areas: "copy" "form" "facts"; row-gap: 30px; }
  .hero-grid .hero-facts { margin-top: 0; }
}

.hero-facts { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 20px 26px;
  list-style: none; margin: 34px 0 0; padding: 26px 0 0; border-top: 1px solid rgba(255,255,255,.16); }
.hero-facts li { display: flex; flex-direction: column; gap: 3px; }
.hero-facts b { font-family: var(--stencil); font-weight: 600; font-size: 2.15rem; line-height: 1;
  color: var(--gold); letter-spacing: -.01em; }
.hero-facts span { font-size: .9rem; color: rgba(255,255,255,.72); line-height: 1.42; }

/* --------------------------------------------------- hero (quick) form */
.hero-form-card { background: var(--white); border-radius: var(--r); box-shadow: var(--shadow-lift); overflow: hidden; }
.hfc-head { background: var(--red); color: var(--white); padding: 17px 24px; }
.hfc-title { font-family: var(--display); font-size: 1.3rem; line-height: 1.15; margin: 0 0 2px; }
.hfc-sub { font-family: var(--stencil); font-weight: 400; font-size: .95rem; letter-spacing: .05em;
  text-transform: uppercase; color: rgba(255,255,255,.9); margin: 0; }
.hfc-body { padding: 22px 24px 24px; }
.hfc-body .btn { width: 100%; }

/* --------------------------------------------------------- trust strip */
.trustbar { background: var(--blue-900); color: rgba(255,255,255,.82);
  border-top: 1px solid rgba(255,255,255,.12); padding: 15px 0; font-size: .87rem; }
.trustbar ul { display: flex; flex-wrap: wrap; justify-content: center; align-items: center;
  gap: 10px 28px; list-style: none; margin: 0; padding: 0; }
.trustbar li { display: flex; align-items: center; gap: 8px;
  font-family: var(--stencil); font-weight: 400; letter-spacing: .07em; text-transform: uppercase; }
.trustbar li::before { content: ''; width: 7px; height: 7px; flex: 0 0 auto;
  background: var(--gold); transform: rotate(45deg); }

/* --------------------------------------------------------- "Stop Cryin" */
.sticker { display: inline-block; font-family: var(--display); font-size: 1.05rem;
  letter-spacing: -.01em; color: var(--white); background: var(--red);
  padding: 9px 18px; margin: 0; border-radius: 2px; transform: rotate(-1.5deg);
  box-shadow: 3px 3px 0 rgba(0,0,0,.28); }
.hero-sticker { margin-top: 30px; }
.sticker-sm { font-size: .92rem; padding: 6px 13px; margin-top: 16px; }

/* ------------------------------------------------------------- sections */
.section { padding: 66px 0; }
.section-alt { background: var(--sand-2); }
.section-navy { background: var(--blue-900); color: rgba(255,255,255,.85); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-intro { font-size: 1.1rem; color: var(--ink-2); max-width: 66ch; }
.section-navy .section-intro { color: rgba(255,255,255,.78); }

.eyebrow { font-family: var(--stencil); font-weight: 600; font-size: .88rem; letter-spacing: .19em;
  text-transform: uppercase; color: var(--red); margin: 0 0 .7em; }
.section-navy .eyebrow { color: var(--gold); }

.crumbs { background: var(--sand-2); border-bottom: 1px solid var(--sand-3); font-size: .87rem; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 0; padding: 11px 0; }
.crumbs li + li::before { content: '/'; margin-right: 8px; color: var(--ink-2); }
.crumbs [aria-current] { color: var(--ink-2); }

/* ---------------------------------------------------------------- cards */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(276px, 1fr)); gap: 20px; margin-top: 34px; }
.card { background: var(--white); border: 1px solid var(--sand-3); border-radius: var(--r);
  padding: 26px 24px; display: flex; flex-direction: column; }
.card h3 { color: var(--blue-800); }
.card p:last-child { margin-bottom: 0; }
.section-navy .card { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.14); color: rgba(255,255,255,.8); }

/* Benefit cards carry a rank-stripe rather than a numeral: these are not a
   sequence, so numbering them would encode an order that is not there. */
.card-benefit { border-top: 4px solid var(--red); }
.card-benefit:nth-child(even) { border-top-color: var(--blue-600); }

/* The process list IS a sequence, so it is the one place numerals belong. */
.steps { list-style: none; counter-reset: s; padding: 0; margin: 30px 0 0; display: grid; gap: 4px; }
.steps li { counter-increment: s; position: relative; padding: 16px 0 16px 66px;
  border-bottom: 1px solid var(--sand-3); }
.steps li:last-child { border-bottom: 0; }
.steps li::before { content: counter(s, decimal-leading-zero); position: absolute; left: 0; top: 13px;
  font-family: var(--stencil); font-weight: 600; font-size: 1.7rem; line-height: 1;
  color: var(--red); width: 48px; }
.steps b { display: block; font-size: 1.05rem; color: var(--blue-900); }
.section-navy .steps li { border-color: rgba(255,255,255,.14); }
.section-navy .steps b { color: var(--white); }
.section-navy .steps li::before { color: var(--gold); }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { position: relative; padding-left: 31px; margin-bottom: 12px; }
.checklist li::before { content: ''; position: absolute; left: 5px; top: .48em;
  width: 9px; height: 15px; border: solid var(--ok); border-width: 0 2.6px 2.6px 0; transform: rotate(42deg); }
.section-navy .checklist li::before, .lead-points li::before { border-color: var(--gold); }

.split { display: grid; grid-template-columns: 1.18fr .82fr; gap: 48px; align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 32px; } }

.pull { border-left: 5px solid var(--red); background: var(--white); padding: 18px 22px;
  margin: 26px 0; border-radius: 0 var(--r) var(--r) 0; }
.section-alt .pull { background: var(--sand); }
.pull p:last-child { margin-bottom: 0; }
.pull strong { color: var(--blue-900); }

/* ------------------------------------------------------------ locations */
.state-block { margin-bottom: 48px; scroll-margin-top: 96px; }
.state-block h3 { font-size: 1.75rem; margin-bottom: 6px; }
.state-block .ribbon { width: 84px; margin-bottom: 18px; }
.city-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 12px; }
.city-link { display: block; background: var(--white); border: 1px solid var(--sand-3);
  border-left: 4px solid var(--blue-600); border-radius: var(--r); padding: 15px 17px;
  text-decoration: none; transition: border-left-color .15s, box-shadow .15s; }
.city-link:hover { border-left-color: var(--red); box-shadow: var(--shadow); }
.city-link b { display: block; color: var(--blue-900); font-size: 1.05rem; }
.city-link span { display: block; color: var(--ink-2); font-size: .87rem; margin-top: 2px; }

.base-list, .va-list { list-style: none; padding: 0; margin: 0 0 1.2em; }
.base-list li { padding: 13px 0; border-bottom: 1px solid var(--sand-3); }
.base-list li:last-child { border-bottom: 0; }
.base-list b { color: var(--blue-800); }
.base-list span { display: block; color: var(--ink-2); font-size: .94rem; }
.va-list li { padding-left: 27px; position: relative; margin-bottom: 9px; }
.va-list li::before { content: ''; position: absolute; left: 0; top: .5em;
  width: 9px; height: 9px; background: var(--red); transform: rotate(45deg); }

.tax-note { background: var(--blue-900); color: rgba(255,255,255,.9); border-radius: var(--r);
  padding: 0 0 24px; overflow: hidden; }
.tax-note .ribbon { margin-bottom: 22px; }
.tax-note h3, .tax-note p { padding: 0 26px; }
.tax-note h3 { color: var(--gold); }
.tax-note p:last-child { margin-bottom: 0; }
.tax-note .fine { font-size: .85rem; color: rgba(255,255,255,.58); }

/* ----------------------------------------------------------------- FAQ */
.faq-list details { border: 1px solid var(--sand-3); border-radius: var(--r);
  background: var(--white); margin-bottom: 10px; }
.faq-list details[open] { border-color: var(--blue-600); }
.faq-list summary { cursor: pointer; padding: 16px 52px 16px 20px; font-weight: 700;
  color: var(--blue-900); list-style: none; position: relative; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: '+'; position: absolute; right: 20px; top: 50%;
  transform: translateY(-50%); font-family: var(--stencil); font-weight: 600; font-size: 1.6rem;
  color: var(--red); line-height: 1; }
.faq-list details[open] summary::after { content: '\2212'; }
.faq-a { padding: 0 20px 18px; color: var(--ink-2); }
.faq-a p:last-child { margin-bottom: 0; }

/* ---------------------------------------------------------------- strip */
.strip { background: var(--gold); padding: 0; }
.strip .ribbon { margin: 0; }
.strip-inner { display: flex; align-items: center; justify-content: space-between;
  gap: 24px; flex-wrap: wrap; padding: 28px 0; }
.strip p { margin: 0; font-family: var(--display); font-size: 1.28rem; line-height: 1.25;
  color: var(--blue-900); max-width: 58ch; }
.strip .btn { background: var(--blue-900); border-color: var(--blue-900); }
.strip .btn:hover { background: var(--red); border-color: var(--red); }

/* ------------------------------------------------------ full lead form */
.lead { background: var(--blue-900); color: var(--white); padding: 0 0 66px; scroll-margin-top: 84px; }
.lead > .ribbon { margin-bottom: 60px; }
.lead-inner { display: grid; grid-template-columns: 1fr 1.06fr; gap: 50px; align-items: start; }
@media (max-width: 940px) { .lead-inner { grid-template-columns: 1fr; gap: 32px; } }
.lead h2 { color: var(--white); }
.lead-copy > p { color: rgba(255,255,255,.85); }
.lead-points { list-style: none; padding: 0; margin: 24px 0; }
.lead-points li { padding-left: 31px; position: relative; margin-bottom: 12px; color: rgba(255,255,255,.85); }
.lead-points li::before { content: ''; position: absolute; left: 5px; top: .44em;
  width: 9px; height: 15px; border-style: solid; border-width: 0 2.6px 2.6px 0; transform: rotate(42deg); }
.lead-points b { color: var(--white); }
.lead-alt { color: rgba(255,255,255,.72); }
.lead-alt .tel { font-family: var(--stencil); font-weight: 600; color: var(--gold);
  font-size: 1.35rem; text-decoration: none; white-space: nowrap; letter-spacing: .02em; }

.lead-form { background: var(--white); border-radius: var(--r); padding: 28px; box-shadow: var(--shadow-lift); }
.lead-form .btn { width: 100%; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; }
@media (max-width: 540px) { .row { grid-template-columns: 1fr; } .lead-form { padding: 21px; } }

.field { margin-bottom: 13px; }
.field label { display: block; font-family: var(--stencil); font-weight: 500; font-size: .86rem;
  letter-spacing: .07em; text-transform: uppercase; color: var(--blue-800); margin-bottom: 5px; }
.field .opt { text-transform: none; letter-spacing: 0; color: var(--ink-2); }
.field input, .field select, .field textarea {
  width: 100%; padding: 11px 12px; font-family: var(--body); font-size: 1rem; color: var(--ink);
  background: var(--white); border: 1.5px solid var(--sand-3); border-radius: var(--r); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue-600); }
.field textarea { resize: vertical; }
.hp { position: absolute; left: -9999px; }

.consent { display: flex; gap: 11px; align-items: flex-start; font-size: .8rem;
  color: var(--ink-2); line-height: 1.5; margin: 8px 0 17px; }
.consent input { margin-top: 3px; flex: 0 0 auto; width: 17px; height: 17px; }
.form-note { font-size: .83rem; color: var(--ink-2); text-align: center; margin: 11px 0 0; }

/* --------------------------------------------------------------- footer */
.site-foot { background: var(--blue-900); color: rgba(255,255,255,.74); font-size: .94rem; }
.site-foot > .ribbon { margin-bottom: 50px; }
.site-foot > .wrap { padding-bottom: 30px; }
.foot-grid { display: grid; grid-template-columns: 1.45fr 1fr 1fr; gap: 38px; }
@media (max-width: 800px) { .foot-grid { grid-template-columns: 1fr; gap: 28px; } }
.foot-brand { font-family: var(--display); font-size: 1.4rem; color: var(--white); margin: 0 0 .35em; }
.foot-brand b { color: var(--gold); font-weight: 400; }
.foot-h { font-family: var(--stencil); font-weight: 600; font-size: 1rem; letter-spacing: .16em;
  text-transform: uppercase; color: var(--gold); margin: 0 0 .8em; }
.foot-list { list-style: none; padding: 0; margin: 0; }
.foot-list li { margin-bottom: 7px; }
.site-foot a { color: rgba(255,255,255,.82); text-decoration: none; }
.site-foot a:hover { color: var(--gold); text-decoration: underline; }
.foot-phone { font-family: var(--stencil); font-weight: 600; font-size: 1.4rem;
  color: var(--gold) !important; letter-spacing: .02em; }
.lic { display: block; font-size: .77rem; color: rgba(255,255,255,.45); }

.legal { border-top: 1px solid rgba(255,255,255,.14); margin-top: 36px; padding-top: 24px;
  font-size: .79rem; line-height: 1.6; color: rgba(255,255,255,.55); }
.legal p { margin-bottom: .9em; }
.legal-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.badge { display: inline-block; border: 1px solid rgba(255,255,255,.26); border-radius: 2px;
  padding: 4px 10px; font-family: var(--stencil); font-size: .78rem; letter-spacing: .06em;
  text-transform: uppercase; color: rgba(255,255,255,.78); }
.copy a { text-decoration: underline; }

/* ------------------------------------------------------ sticky call bar */
.callbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; display: none;
  padding: 9px 10px calc(9px + env(safe-area-inset-bottom, 0px));
  background: rgba(6,26,58,.97); border-top: 3px solid var(--gold); }
.callbar-btn { display: block; text-align: center; background: var(--red); color: var(--white);
  font-family: var(--display); font-size: 1.12rem; letter-spacing: -.01em;
  text-decoration: none; padding: 13px; border-radius: var(--r); }
.callbar-btn:hover { background: var(--red-dark); color: var(--white); }
@media (max-width: 800px) { .callbar { display: block; } }
@media (min-width: 801px) { body { padding-bottom: 0; } }

/* ------------------------------------------------------------ utilities */
.thanks { text-align: center; padding: 84px 0; }
.thanks .tick { font-size: 3.2rem; color: var(--ok); line-height: 1; margin-bottom: 12px; }
.thanks .btn { margin: 6px 5px; }
.prose h2 { margin-top: 1.7em; }
.prose h3 { margin-top: 1.45em; color: var(--blue-700); }
.prose ul, .prose ol { padding-left: 22px; }
.prose li { margin-bottom: 9px; }
table.simple { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: .95rem; }
table.simple th, table.simple td { text-align: left; padding: 11px 13px; border-bottom: 1px solid var(--sand-3); }
table.simple th { background: var(--blue-900); color: var(--white); font-family: var(--stencil);
  font-weight: 500; font-size: .92rem; letter-spacing: .08em; text-transform: uppercase; }
table.simple tbody tr:nth-child(even) { background: var(--sand-2); }
.scroll-x { overflow-x: auto; }

/* ========================================================== calculator == */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

.calc { display: grid; grid-template-columns: .92fr 1.08fr; gap: 34px; align-items: start; }
@media (max-width: 940px) { .calc { grid-template-columns: 1fr; gap: 26px; } }

.calc-inputs { background: var(--white); border: 1px solid var(--sand-3);
  border-radius: var(--r); padding: 26px 24px; position: sticky; top: 96px; }
@media (max-width: 940px) { .calc-inputs { position: static; } }
.calc-h { font-family: var(--stencil); font-weight: 600; font-size: 1.05rem; letter-spacing: .16em;
  text-transform: uppercase; color: var(--red); margin: 0 0 18px; }
.calc-rule { border: 0; border-top: 1px solid var(--sand-3); margin: 20px 0; }

/* Prefix/suffix affixes keep the unit visible while the field is being typed in. */
.affix { display: flex; align-items: stretch; border: 1.5px solid var(--sand-3); border-radius: var(--r); overflow: hidden; }
.affix:focus-within { border-color: var(--blue-600); }
.affix span { display: flex; align-items: center; padding: 0 11px; background: var(--sand-2);
  color: var(--ink-2); font-family: var(--stencil); font-size: 1rem; }
.affix input { border: 0 !important; border-radius: 0; flex: 1 1 auto; min-width: 0; }
.affix input:focus { outline: none; }
.affix-r span { order: 2; }

.switch { display: flex; gap: 11px; align-items: flex-start; font-size: .87rem;
  color: var(--ink-2); line-height: 1.5; margin: 0 0 14px; cursor: pointer; }
.switch input { margin-top: 3px; flex: 0 0 auto; width: 17px; height: 17px; }
.switch b { color: var(--blue-900); }

.calc-out { display: grid; gap: 22px; }
.calc-total { background: var(--blue-900); color: var(--white); border-radius: var(--r);
  padding: 26px 28px; text-align: center; }
.calc-total-label { font-family: var(--stencil); font-weight: 500; font-size: .9rem;
  letter-spacing: .17em; text-transform: uppercase; color: var(--gold); margin: 0 0 4px; }
.calc-total-num { font-family: var(--display); font-size: clamp(2.6rem, 7vw, 3.6rem);
  line-height: 1; color: var(--white); margin: 0 0 8px; font-variant-numeric: tabular-nums; }
.calc-total-sub { font-family: var(--stencil); font-size: .95rem; letter-spacing: .05em;
  color: rgba(255,255,255,.7); margin: 0; }

.calc-table { margin: 0; }
.calc-table th { background: transparent; color: var(--ink); font-family: var(--body);
  font-weight: 400; font-size: 1rem; letter-spacing: 0; text-transform: none; }
.calc-table td { text-align: right; font-family: var(--stencil); font-weight: 500;
  font-size: 1.08rem; color: var(--blue-900); font-variant-numeric: tabular-nums; }
.calc-table tbody tr:nth-child(even) { background: transparent; }
.calc-table tr.calc-hl th, .calc-table tr.calc-hl td { color: var(--ok); font-weight: 600; }
.fee-rate { font-family: var(--stencil); color: var(--ink-2); font-size: .9rem; }

.calc-block { background: var(--white); border: 1px solid var(--sand-3);
  border-radius: var(--r); padding: 22px 24px; }
.calc-block h3 { color: var(--blue-800); margin-bottom: 10px; }
.calc-compare { border-top: 4px solid var(--blue-600); }
.calc-compare td { text-align: right; }
.calc-compare thead th:first-child { background: var(--blue-900); }
.calc-savings { font-family: var(--display); font-size: 1.05rem; line-height: 1.35;
  color: var(--ok); margin: 14px 0 8px; }
.calc-fine { font-size: .82rem; color: var(--ink-2); margin: 10px 0 0; }
.calc-disclaim { font-size: .82rem; color: var(--ink-2); margin: 0; }

/* -------------------------------------------------------------- bio card */
.bio-card { padding-top: 0; overflow: hidden; }
.headshot { width: calc(100% + 50px); margin: 0 -25px 20px; aspect-ratio: 1 / 1;
  object-fit: cover; object-position: 50% 20%; display: block; background: var(--sand-2); }
.bio-role { font-family: var(--stencil); font-weight: 500; font-size: .95rem;
  letter-spacing: .12em; text-transform: uppercase; color: var(--red); margin: -6px 0 12px; }
.bio-tel { font-family: var(--stencil); font-weight: 600; font-size: 1.4rem;
  color: var(--red); text-decoration: none; letter-spacing: .02em; }