/* New York Insurance Appraiser — stylesheet. Civic "transit line" design in NYC blue & orange. */
:root{
  --ink:#0a1a3a;--ink-2:#10275a;--blue:#1550a8;--blue-d:#0e3d85;--blue-l:#3a78d4;--tint:#ecf2fb;--tint-2:#dfe8f6;
  --orange:#f26a1b;--orange-d:#b9480a;--orange-l:#ff9a5c;--paper:#f7f9fc;--line:#d6dfec;--text:#16223a;--muted:#55627a;
  --ok:#1d7a4c;--err:#b3261e;--r:6px;--r-lg:10px;--shadow:0 18px 40px -22px rgba(10,26,58,.45);--shadow-s:0 6px 18px -10px rgba(10,26,58,.35);
  --fd:"Archivo",system-ui,-apple-system,"Segoe UI",sans-serif;--fb:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --head-h:118px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:110px}
html.lock{overflow:hidden}
body{margin:0;font-family:var(--fb);font-size:1.0625rem;line-height:1.65;color:var(--text);background:#fff;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
svg{flex-shrink:0}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--orange-d)}
h1,h2,h3{font-family:var(--fd);font-stretch:108%;line-height:1.12;letter-spacing:-.012em;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.5rem);font-weight:850}
h2{font-size:clamp(1.65rem,3vw,2.35rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em}
button{font:inherit;cursor:pointer}
input,select,textarea{font:inherit}
.wrap{width:min(1200px,100% - 32px);margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;z-index:100;background:var(--orange);color:#fff;padding:10px 16px;border-radius:var(--r)}
.skip:focus{left:12px;color:#fff}
.center{text-align:center}
.muted{color:var(--muted)}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.82em 1.35em;border-radius:var(--r);border:2px solid transparent;font-family:var(--fd);font-weight:700;font-stretch:104%;font-size:1rem;line-height:1.1;text-decoration:none;transition:background .2s,color .2s,border-color .2s,transform .2s;cursor:pointer;white-space:nowrap}
.btn svg{width:18px;height:18px}
.btn:hover{transform:translateY(-1px)}
.btn-orange{background:var(--orange);color:#fff}
.btn-orange:hover{background:#ff7d33;color:#fff}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-d);color:#fff}
.btn-line{border-color:var(--blue);color:var(--blue);background:transparent}
.btn-line:hover{background:var(--blue);color:#fff}
.btn-ghost-l{border-color:rgba(255,255,255,.7);color:#fff;background:rgba(255,255,255,.04)}
.btn-ghost-l:hover{background:#fff;color:var(--ink)}
.btn-block{width:100%}
.btn-sm{padding:.6em 1em;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.more{display:inline-flex;align-items:center;gap:.4em;font-family:var(--fd);font-weight:700;text-decoration:none;color:var(--blue);margin-top:32px}
.more svg{width:18px;height:18px;transition:transform .2s}
.more:hover svg{transform:translateX(4px)}

/* progress */
.progress{position:fixed;top:0;left:0;right:0;height:3px;background:var(--orange);transform:scaleX(0);transform-origin:0 50%;z-index:70;pointer-events:none}

/* header (no backdrop-filter: the drawer sits outside it anyway) */
.site-head{position:sticky;top:0;z-index:50;background:#fff;transition:box-shadow .25s}
.util{background:var(--ink);color:#c8d6ee;font-size:.82rem;overflow:hidden;max-height:40px;transition:max-height .3s}
.util .wrap{display:flex;justify-content:space-between;gap:16px;align-items:center;min-height:36px}
.util a{color:#fff;text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.util a:hover{color:var(--orange-l)}
.util svg{width:14px;height:14px}
.util-r{display:flex;gap:20px}
.bar{border-bottom:1px solid var(--line);transition:border-color .25s}
.bar .wrap{display:flex;align-items:center;gap:20px;min-height:76px}
.site-head.scrolled{box-shadow:0 10px 24px -18px rgba(10,26,58,.55)}
.site-head.scrolled .util{max-height:0}
.site-head.scrolled .bar{border-bottom-color:var(--orange)}
/* brand: never changes colour or underline on hover */
a.brand,a.brand:hover,a.brand:focus,a.brand:visited{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.brand .mark{width:42px;height:42px;border-radius:9px}
.brand-t{display:flex;flex-direction:column;line-height:1}
.brand-t b{font-family:var(--fd);font-weight:850;font-stretch:115%;font-size:1.18rem;letter-spacing:-.01em;color:var(--ink);text-transform:uppercase}
.brand-t span{font-family:var(--fd);font-weight:600;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-d);margin-top:4px}
.site-foot a.brand,.site-foot a.brand:hover{color:#fff;text-decoration:none}
.brand-foot .brand-t b{color:#fff}
.brand-foot .brand-t span{color:var(--orange-l)}
.nav{margin-left:auto}
.menu{display:flex;gap:2px;list-style:none;margin:0;padding:0;align-items:center}
.menu>li{position:relative}
.menu>li>button,.menu .top-link{display:flex;align-items:center;gap:4px;padding:10px 12px;border:0;background:none;color:var(--ink);font-family:var(--fd);font-weight:650;font-size:.98rem;text-decoration:none;border-radius:var(--r)}
.menu>li>button:hover,.menu .top-link:hover,.menu li.open>button{color:var(--blue);background:var(--tint)}
.menu .chev{width:16px;height:16px;transition:transform .2s}
.menu li.open .chev{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 8px);left:50%;transform:translate(-50%,6px);min-width:280px;list-style:none;margin:0;padding:10px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--orange);border-radius:var(--r);box-shadow:var(--shadow);opacity:0;visibility:hidden;transition:opacity .18s,transform .18s,visibility .18s}
.dropdown.wide{display:grid;grid-template-columns:1fr 1fr;min-width:520px;column-gap:6px}
.menu li.open .dropdown{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dropdown a{display:block;padding:7px 10px;border-radius:4px;color:var(--text);text-decoration:none;font-size:.94rem;line-height:1.3}
.dropdown a:hover{background:var(--tint);color:var(--blue)}
.dropdown .all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
.dropdown .all a{display:flex;align-items:center;gap:6px;font-weight:600;color:var(--blue)}
.dropdown .all svg{width:16px;height:16px}
.head-cta{padding:.7em 1.1em}
.burger{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:var(--r);background:#fff;color:var(--ink);align-items:center;justify-content:center}
.burger svg{width:24px;height:24px}
.nojs-menu{display:none;margin-left:auto;font-family:var(--fd);font-weight:700;color:var(--ink)}

/* drawer: outside the header; shadow and visibility only while open */
.scrim{position:fixed;inset:0;background:rgba(10,26,58,.55);z-index:80;opacity:0;transition:opacity .3s}
.drawer-open .scrim{opacity:1}
.drawer{position:fixed;top:0;right:0;bottom:0;width:min(88vw,390px);z-index:90;background:#fff;display:flex;flex-direction:column;transform:translateX(100%);visibility:hidden;transition:transform .32s cubic-bezier(.2,.8,.2,1),visibility 0s linear .32s;overflow:hidden}
.drawer-open .drawer{transform:none;visibility:visible;box-shadow:-24px 0 48px -20px rgba(10,26,58,.5);transition:transform .32s cubic-bezier(.2,.8,.2,1),visibility 0s}
.drawer-top{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;border-bottom:3px solid var(--orange)}
.drawer-top .mark{width:36px;height:36px}
.drawer-top .brand-t b{font-size:1rem}
.drawer-x{width:44px;height:44px;border:1px solid var(--line);border-radius:var(--r);background:#fff;color:var(--ink);display:flex;align-items:center;justify-content:center}
.drawer-x svg{width:22px;height:22px}
.drawer-nav{flex:1;overflow-y:auto;padding:8px 16px;overscroll-behavior:contain}
.drawer-nav>ul{list-style:none;margin:0;padding:0}
.drawer-nav>ul>li{border-bottom:1px solid var(--line)}
.drawer-nav>ul>li>a,.acc-btn{display:flex;width:100%;justify-content:space-between;align-items:center;padding:14px 4px;border:0;background:none;font-family:var(--fd);font-weight:700;font-size:1.06rem;color:var(--ink);text-decoration:none;text-align:left}
.acc-btn .chev{width:20px;height:20px;transition:transform .25s}
.acc-btn[aria-expanded=true]{color:var(--blue)}
.acc-btn[aria-expanded=true] .chev{transform:rotate(180deg)}
.acc-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s}
.acc-btn[aria-expanded=true]+.acc-panel{grid-template-rows:1fr}
.acc-panel>ul{min-height:0;overflow:hidden;list-style:none;margin:0;padding:0 0 0 12px;border-left:3px solid var(--tint-2)}
.acc-btn[aria-expanded=true]+.acc-panel>ul{padding-bottom:12px}
.acc-panel a{display:block;padding:8px 6px;color:var(--text);text-decoration:none;font-size:.97rem}
.acc-panel a.acc-all{color:var(--blue);font-weight:600}
.drawer-foot{padding:16px;display:grid;gap:10px;border-top:1px solid var(--line);background:var(--paper)}
.drawer-foot small{text-align:center;color:var(--muted)}

/* kicker */
.kicker{display:flex;align-items:center;gap:10px;font-family:var(--fd);font-weight:700;font-stretch:112%;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-d);margin-bottom:12px}
.kicker::before{content:"";width:26px;height:4px;border-radius:2px;background:var(--orange)}
.kicker-l{color:var(--orange-l)}

/* hero */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--ink)}
.hero-ph,.hero-ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-ph img{animation:zoom 22s ease-out both}
@keyframes zoom{from{transform:scale(1.12)}to{transform:scale(1)}}
.hero-shade{position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,26,58,.95) 0%,rgba(10,26,58,.82) 42%,rgba(10,26,58,.45) 100%)}
.hero-in{position:relative;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:56px;align-items:center;padding:84px 0 92px}
.hero h1{color:#fff;font-size:clamp(2.2rem,4.8vw,3.75rem)}
.hero h1 span{color:var(--orange-l)}
.hero .lede{font-size:1.18rem;color:#dbe5f5;max-width:40em}
.hero-ticks{list-style:none;padding:0;margin:0 0 28px;display:flex;flex-wrap:wrap;gap:10px 22px;font-weight:500}
.hero-ticks li{display:flex;align-items:center;gap:8px}
.hero-ticks svg{width:18px;height:18px;color:var(--orange-l)}
.hero-form{background:#fff;color:var(--text);border-radius:var(--r-lg);padding:26px;border-top:6px solid var(--orange);box-shadow:0 30px 60px -30px rgba(0,0,0,.6);display:grid;gap:12px}
.hf-t{font-family:var(--fd);font-weight:800;font-size:1.45rem;color:var(--ink);margin:0}
.hero-form .lead-sub{margin:-6px 0 4px}
.hf-trust{display:flex;align-items:center;gap:8px;font-size:.85rem;color:var(--muted);margin:0}
.hf-trust svg{width:16px;height:16px;color:var(--blue)}

/* ticker / marquee */
.ticker{background:var(--orange);color:#fff;overflow:hidden;white-space:nowrap;border-bottom:4px solid var(--ink)}
.ticker-track{display:inline-flex;animation:marq 48s linear infinite;padding:13px 0}
.ticker span{font-family:var(--fd);font-weight:800;font-stretch:115%;text-transform:uppercase;letter-spacing:.06em;font-size:.95rem;display:inline-flex;align-items:center}
.ticker span::after{content:"";width:9px;height:9px;border-radius:50%;background:var(--ink);margin:0 22px}
@keyframes marq{to{transform:translateX(-50%)}}

/* sections */
.sec{padding:92px 0}
.tint{background:var(--tint)}
.navy{background:var(--ink);color:#d6e1f3}
.navy h2,.navy h3{color:#fff}
.navy a{color:#9fc3ff}
.navy a:hover{color:var(--orange-l)}
.sec-head{max-width:760px;margin:0 auto 44px;text-align:center}
.sec-head .kicker{justify-content:center}
.sec-head p{color:var(--muted);font-size:1.08rem}
.navy .sec-head p{color:#c3d1ea}
.sec-head.left{margin-left:0;text-align:left}
.sec-head.left .kicker{justify-content:flex-start}

/* reveal (only when JS is running) */
.js .rv{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease;transition-delay:var(--d,0s)}
.js .rv.in{opacity:1;transform:none}

/* intro + tally */
.intro-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:64px;align-items:center}
.tally{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.tally>div{background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--orange);border-radius:var(--r);padding:24px 22px}
.tally b{display:block;font-family:var(--fd);font-weight:900;font-stretch:118%;font-size:clamp(2.4rem,4vw,3.3rem);line-height:1;color:var(--blue)}
.tally b small{font-size:.4em;font-weight:700;margin:0 .3em;color:var(--muted)}
.tally span{display:block;margin-top:8px;color:var(--muted);font-size:.95rem}

/* who */
.who-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.who{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;text-decoration:none;color:var(--text);transition:box-shadow .25s,transform .25s}
.who:hover{box-shadow:var(--shadow);transform:translateY(-3px);color:var(--text)}
.who-ph{display:block;aspect-ratio:4/3;overflow:hidden}
.who-ph img,.card-ph img,.loc img,.reg-ph img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease}
.who:hover img,.card:hover img,.loc:hover img{transform:scale(1.07)}
.who-b{display:flex;flex-direction:column;gap:6px;padding:18px 18px 20px;flex:1}
.who-b b{font-family:var(--fd);font-size:1.15rem;color:var(--ink)}
.who-b span{color:var(--muted);font-size:.96rem}
.who-b em{margin-top:auto;padding-top:8px;font-style:normal;font-weight:600;color:var(--blue);display:flex;align-items:center;gap:6px;font-size:.94rem}
.who-b em svg{width:16px;height:16px}

/* service stations */
.line-split{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:64px;align-items:start}
.line-intro{position:sticky;top:120px}
.line-intro figure{margin:24px 0;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:16/10}
.line-intro figure img{width:100%;height:100%;object-fit:cover}
.line-intro p{color:var(--muted)}
.stations{list-style:none;margin:0;padding:0;position:relative}
.stations::before{content:"";position:absolute;left:23px;top:24px;bottom:24px;width:6px;border-radius:3px;background:var(--blue)}
.stations li a{position:relative;display:flex;align-items:center;gap:20px;padding:14px 16px 14px 0;text-decoration:none;color:var(--text);border-radius:var(--r)}
.stations .dot{position:relative;z-index:1;flex:0 0 52px;height:52px;border-radius:50%;background:#fff;border:6px solid var(--blue);display:flex;align-items:center;justify-content:center;font-family:var(--fd);font-weight:900;font-size:1.05rem;color:var(--ink);transition:background .2s,border-color .2s,color .2s}
.st-b{display:flex;flex-direction:column;flex:1;min-width:0}
.st-b b{font-family:var(--fd);font-size:1.12rem;color:var(--ink)}
.st-b span{color:var(--muted);font-size:.95rem;line-height:1.5}
.stations li a>svg{width:20px;height:20px;color:var(--line);transition:color .2s,transform .2s}
.stations li a:hover{background:var(--tint)}
.stations li a:hover .dot{background:var(--orange);border-color:var(--orange);color:#fff}
.stations li a:hover>svg{color:var(--orange);transform:translateX(3px)}

/* regions */
.rtabs{display:flex;gap:8px;overflow-x:auto;padding-bottom:6px;margin-bottom:22px;scrollbar-width:thin}
.rtabs button{flex:0 0 auto;text-align:left;padding:12px 18px;border:1px solid rgba(255,255,255,.22);border-radius:var(--r);background:rgba(255,255,255,.04);color:#fff;display:flex;flex-direction:column;gap:2px}
.rtabs button b{font-family:var(--fd);font-size:1rem}
.rtabs button small{color:#a9bbdb;font-size:.8rem}
.rtabs button[aria-selected=true]{background:var(--orange);border-color:var(--orange)}
.rtabs button[aria-selected=true] small{color:#fff}
.rpanel{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);background:var(--ink-2);border-radius:var(--r-lg);overflow:hidden}
.rpanel-ph{min-height:340px}
.rpanel-ph img{width:100%;height:100%;object-fit:cover}
.rpanel-b{padding:34px}
.rpanel-b p{color:#d0dcf0}
.chips{list-style:none;padding:0;margin:0 0 16px;display:flex;flex-wrap:wrap;gap:8px}
.chips li{background:var(--tint);color:var(--blue-d);font-size:.84rem;font-weight:600;padding:5px 11px;border-radius:999px}
.navy .chips li{background:rgba(242,106,27,.16);color:#ffc49f}
.rp-links{display:flex;flex-wrap:wrap;gap:8px 16px;font-weight:600}
.rpanel[hidden]{display:none}
.no-js .rtabs{display:none}
.no-js .rpanel[hidden]{display:grid;margin-top:18px}

/* storms */
.storms{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;counter-reset:s}
.storm{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 22px 20px;border-top:5px solid var(--blue)}
.storm:nth-child(even){border-top-color:var(--orange)}
.storm .yr{display:block;font-family:var(--fd);font-weight:900;font-stretch:120%;font-size:2.6rem;line-height:1;color:transparent;-webkit-text-stroke:1.5px var(--blue);margin-bottom:10px}
.storm b{display:block;font-family:var(--fd);font-size:1.12rem;color:var(--ink)}
.storm small{display:block;color:var(--orange-d);font-weight:600;font-size:.84rem;text-transform:uppercase;letter-spacing:.06em;margin:2px 0 10px}
.storm p{margin:0;color:var(--muted);font-size:.95rem}

/* check */
.check-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
.path{list-style:none;padding:0;margin:0 0 20px;counter-reset:p}
.path li{position:relative;padding:0 0 18px 56px;counter-increment:p}
.path li::before{content:counter(p);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-family:var(--fd);font-weight:800;display:flex;align-items:center;justify-content:center}
.path li:not(:last-child)::after{content:"";position:absolute;left:17px;top:40px;bottom:2px;width:4px;background:var(--tint-2)}
.path b{display:block;font-family:var(--fd);color:var(--ink);font-size:1.08rem}
.path span{color:var(--muted)}

/* route (process) */
.route{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:18px;position:relative}
.route::before{content:"";position:absolute;left:8%;right:8%;top:15px;height:6px;border-radius:3px;background:linear-gradient(90deg,var(--blue),var(--orange))}
.route li{position:relative;text-align:center;padding-top:46px}
.route .stop{position:absolute;top:0;left:50%;width:36px;height:36px;margin-left:-18px;border-radius:50%;background:#fff;border:6px solid var(--ink)}
.route li:last-child .stop{background:var(--orange);border-color:var(--orange)}
.route b{display:block;font-family:var(--fd);font-weight:800;font-size:1.15rem;color:var(--ink);margin-bottom:6px}
.route span{color:var(--muted);font-size:.93rem;line-height:1.5;display:block}

/* cards */
.card-grid{display:grid;gap:22px}
.card-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.card-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;text-decoration:none;color:var(--text);transition:box-shadow .25s,transform .25s;min-width:0}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);color:var(--text)}
.card-ph{position:relative;display:block;aspect-ratio:16/10;overflow:hidden;background:var(--tint)}
.badge{position:absolute;left:12px;top:12px;background:var(--ink);color:#fff;font-family:var(--fd);font-weight:700;font-size:.76rem;letter-spacing:.06em;text-transform:uppercase;padding:5px 10px;border-radius:4px}
.card-b{display:flex;flex-direction:column;gap:6px;padding:18px 20px 22px;flex:1}
.card-b small{color:var(--orange-d);font-weight:600;font-size:.82rem;text-transform:uppercase;letter-spacing:.05em}
.card-b b{font-family:var(--fd);font-size:1.12rem;line-height:1.25;color:var(--ink)}
.card-b span{color:var(--muted);font-size:.95rem}
.card-b em{margin-top:auto;padding-top:10px;font-style:normal;font-weight:600;color:var(--blue);display:flex;align-items:center;gap:6px}
.card-b em svg{width:16px;height:16px}

/* locations */
.loc-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.loc{position:relative;display:block;aspect-ratio:4/3;border-radius:var(--r-lg);overflow:hidden;color:#fff;text-decoration:none;background:var(--ink)}
.loc::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,26,58,0) 35%,rgba(10,26,58,.88) 100%)}
.loc-b{position:absolute;left:16px;right:16px;bottom:14px;z-index:1;display:flex;flex-direction:column}
.loc-b b{font-family:var(--fd);font-size:1.2rem;color:#fff}
.loc-b small{color:#ffc49f;font-size:.85rem}
.loc:hover{color:#fff}
.loc:hover .loc-b b{text-decoration:underline;text-decoration-color:var(--orange);text-decoration-thickness:2px}

/* faq */
.faq-split{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:56px;align-items:start}
.faq-ph{margin:20px 0 24px;border-radius:var(--r-lg);overflow:hidden;aspect-ratio:3/2}
.faq-ph img{width:100%;height:100%;object-fit:cover}
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);transition:border-color .2s}
.faq details[open]{border-color:var(--blue)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:16px 18px;font-family:var(--fd);font-weight:700;color:var(--ink);font-size:1.03rem}
.faq summary::-webkit-details-marker{display:none}
.pm{position:relative;flex:0 0 22px;height:22px;border-radius:50%;background:var(--tint)}
.pm::before,.pm::after{content:"";position:absolute;left:6px;right:6px;top:10px;height:2px;background:var(--blue)}
.pm::after{transform:rotate(90deg);transition:transform .2s}
details[open] .pm::after{transform:none}
.faq-a{padding:0 18px 4px;color:var(--muted)}

/* contact + form */
.contact-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px;align-items:start}
.lines{list-style:none;padding:0;margin:24px 0;display:grid;gap:16px}
.lines li{display:flex;gap:14px;align-items:center}
.lines li>svg{width:44px;height:44px;padding:11px;border-radius:50%;background:rgba(242,106,27,.18);color:var(--orange-l)}
.lines small{display:block;font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:#a9bbdb}
.lines a{font-weight:600;word-break:break-word}
.dark-t li>svg{background:var(--tint);color:var(--blue)}
.dark-t small{color:var(--muted)}
.ticks{list-style:none;padding:0}
.ticks li{position:relative;padding-left:26px;margin-bottom:6px}
.ticks li::before{content:"";position:absolute;left:4px;top:.55em;width:10px;height:6px;border-left:2px solid var(--orange);border-bottom:2px solid var(--orange);transform:rotate(-45deg)}
.lead{background:#fff;color:var(--text);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow);border:1px solid var(--line)}
.lead a{color:var(--blue)}
.lead .lead-t{font-size:1.4rem;margin-bottom:4px;color:var(--ink)}
.lead label{color:var(--ink)}
.lead-sub{color:var(--muted);font-size:.93rem;margin-bottom:16px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fgrid .full{grid-column:1/-1}
.fgrid>div{min-width:0}
label{display:block;font-weight:600;font-size:.88rem;margin-bottom:5px;color:var(--ink)}
input:not([type=checkbox]):not([type=radio]):not([type=range]),select,textarea{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:var(--r);background:#fff;color:var(--text);font-size:1rem;min-width:0}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(21,80,168,.15)}
.bad{border-color:var(--err)!important}
textarea{resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.88rem;color:var(--muted)}
.check input{margin-top:4px;accent-color:var(--blue);width:17px;height:17px;flex-shrink:0}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{margin-top:12px;font-size:.93rem}
.form-msg:empty{display:none}
.form-msg.ok{color:var(--ok);background:#e7f5ee;padding:10px 12px;border-radius:var(--r)}
.form-msg.err{color:var(--err);background:#fdecea;padding:10px 12px;border-radius:var(--r)}

/* interior hero */
.phero{position:relative;color:#fff;background:var(--ink);overflow:hidden}
.phero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;animation:zoom 20s ease-out both}
.phero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,26,58,.95) 0%,rgba(10,26,58,.78) 55%,rgba(10,26,58,.5) 100%)}
.phero-in{position:relative;padding:56px 0 60px;max-width:1200px}
.phero h1{color:#fff;max-width:20em;border-left:6px solid var(--orange);padding-left:20px;margin-left:-26px}
.phero .lede{color:#d6e1f3;font-size:1.12rem;max-width:44em}
.phero.err{min-height:60vh;display:flex;align-items:center}
.crumbs{display:flex;flex-wrap:wrap;gap:6px;align-items:center;font-size:.86rem;color:#a9bbdb;margin-bottom:22px}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{color:var(--orange-l);text-decoration:underline}
.crumbs i{font-style:normal;color:var(--orange-l)}
.crumbs span{color:#c8d6ee}
.hero-facts{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 0}
.hero-facts div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:var(--r);padding:10px 16px}
.hero-facts dt{font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;color:#ffc49f}
.hero-facts dd{margin:0;font-weight:600;color:#fff}

/* interior layout */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding:64px 0 80px;align-items:start}
.side-sticky{position:sticky;top:110px;display:grid;gap:18px}
.side-box{border:1px solid var(--line);border-radius:var(--r-lg);padding:22px;background:#fff}
.side-t{font-family:var(--fd);font-weight:800;font-size:1.08rem;color:var(--ink);margin-bottom:10px}
.side-call{background:var(--ink);color:#d6e1f3;border:0;border-top:5px solid var(--orange)}
.side-call .side-t{color:#fff}
.side-call p{font-size:.95rem}
.side-tel{display:flex;align-items:center;gap:8px;font-family:var(--fd);font-weight:800;font-size:1.3rem;color:#fff;text-decoration:none;margin-bottom:14px}
.side-tel svg{width:20px;height:20px;color:var(--orange-l)}
.side-tel:hover{color:var(--orange-l)}
.side-links ul{list-style:none;padding:0;margin:0}
.side-links li{border-bottom:1px solid var(--line)}
.side-links li:last-child{border:0}
.side-links a{display:block;padding:8px 0;color:var(--text);text-decoration:none;font-size:.94rem}
.side-links a:hover{color:var(--blue)}
.side-links a[aria-current]{color:var(--blue);font-weight:600;border-left:3px solid var(--orange);padding-left:10px}

/* prose */
.prose{min-width:0}
.prose>*:first-child{margin-top:0}
.prose h2{font-size:clamp(1.45rem,2.4vw,1.85rem);margin:1.7em 0 .55em}
.prose h3{margin:1.4em 0 .45em}
.prose li{margin-bottom:.4em}
.prose table{width:100%;border-collapse:collapse;font-size:.95rem;margin:1em 0 1.4em}
.prose th,.prose td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
.prose thead th{background:var(--tint);font-family:var(--fd)}
.table-wrap{overflow-x:auto;max-width:100%}
.note{background:var(--tint);border-left:5px solid var(--orange);padding:16px 20px;border-radius:0 var(--r) var(--r) 0;margin:1.4em 0}
.note .h{display:block;font-family:var(--fd);color:var(--ink);margin-bottom:4px}
.lead-img{margin:0 0 28px;border-radius:var(--r-lg);overflow:hidden}
.local-card{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;background:var(--paper);border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:var(--r-lg);padding:22px;margin-bottom:12px}
.local-card p{margin:0;font-size:.94rem;color:var(--muted)}
.lc-t{font-family:var(--fd);font-weight:800;color:var(--ink)!important;margin-bottom:8px!important;font-size:1rem!important}
.local-card .chips{margin:0}
.cols{columns:2;column-gap:32px}
.rel-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.rel{display:flex;flex-direction:column;gap:4px;position:relative;padding:16px 40px 16px 16px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);min-width:0;transition:border-color .2s,box-shadow .2s}
.rel small{color:var(--orange-d);font-weight:600;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em}
.rel span{font-family:var(--fd);font-weight:700;line-height:1.3}
.rel svg{position:absolute;right:14px;top:50%;width:18px;height:18px;margin-top:-9px;color:var(--blue)}
.rel:hover{border-color:var(--blue);box-shadow:var(--shadow-s);color:var(--ink)}
.jump{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:12px}
.jump a{background:var(--tint);padding:6px 12px;border-radius:999px;text-decoration:none;font-weight:600;font-size:.9rem}
.steps-list li{margin-bottom:10px}
.reg-list{display:grid;gap:18px}
.reg-row{display:grid;grid-template-columns:260px minmax(0,1fr);gap:24px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.reg-row>div{padding:22px 22px 18px 0}
.reg-ph{display:block;min-height:200px}
.reg-row .muted{margin-top:-6px;font-weight:600;color:var(--orange-d)}

/* glossary */
.gfilter{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:18px;margin-bottom:16px}
.gcount{margin:8px 0 0;font-size:.88rem;color:var(--muted)}
.az{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:20px}
.az a{width:34px;height:34px;display:flex;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:4px;text-decoration:none;font-family:var(--fd);font-weight:700}
.az a:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.glossary{margin:0}
.gterm{padding:14px 0;border-bottom:1px solid var(--line);scroll-margin-top:120px}
.gterm dt{font-family:var(--fd);font-weight:800;color:var(--ink);font-size:1.06rem}
.gterm dd{margin:4px 0 0;color:var(--muted)}

/* directory */
.dir-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.dir-col{border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:var(--r-lg);padding:22px}
.dir-col:nth-child(even){border-top-color:var(--orange)}
.dir-col h2{font-size:1.25rem}
.dir-col ul{margin:0;padding-left:1.1em}
.credits .thumb{width:120px;height:72px;object-fit:cover;border-radius:4px}

/* CTA strip */
.cta-strip{background:var(--blue);color:#e3ecfa;position:relative;overflow:hidden}
.cta-strip::before{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;border-radius:50%;border:34px solid rgba(242,106,27,.35)}
.cta-strip .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:28px;padding:48px 0;flex-wrap:wrap}
.cta-strip h2{color:#fff;font-size:clamp(1.4rem,2.6vw,1.9rem);margin-bottom:6px}
.cta-strip p{margin:0;max-width:38em}

/* footer */
.site-foot{background:var(--ink);color:#b7c6e0;font-size:.95rem}
.foot-band{background:var(--orange)}
.foot-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:30px 0;flex-wrap:wrap}
.foot-band h2{color:#fff;margin:0;font-size:clamp(1.3rem,2.4vw,1.75rem)}
.foot-band .btn-orange{background:var(--ink)}
.foot-band .btn-orange:hover{background:#000;color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr .9fr;gap:36px;padding:56px 0 36px}
.foot-grid h3{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:7px}
.foot-grid ul.two{columns:2;column-gap:14px}
.site-foot a{color:#d1ddf2;text-decoration:none}
.site-foot a:hover{color:var(--orange-l);text-decoration:underline}
.site-foot a.brand:hover{color:#fff;text-decoration:none}
.foot-about p{margin-top:16px}
.foot-legal{border-top:1px solid rgba(255,255,255,.12);padding:22px 0 30px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:.84rem}
.foot-legal p{max-width:52em;margin:0}
.foot-legal ul{list-style:none;display:flex;flex-wrap:wrap;gap:6px 16px;padding:0;margin:0}

.to-top{position:fixed;right:18px;bottom:20px;z-index:40;width:46px;height:46px;border-radius:50%;border:0;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;opacity:0;visibility:hidden;transform:translateY(10px);transition:all .25s;box-shadow:var(--shadow-s)}
.to-top svg{width:20px;height:20px}
.to-top.show{opacity:1;visibility:visible;transform:none}
.callbar{display:none}

/* ---------- calculators ---------- */
.tool-sec{padding:48px 0 0}
.tool{background:#fff;color:var(--text);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-s);text-align:left}
.tool label{color:var(--ink)}
.tool-head{display:flex;justify-content:space-between;align-items:center;gap:12px;background:var(--ink);color:#fff;padding:14px 20px;border-bottom:4px solid var(--orange)}
.tool-head span{font-family:var(--fd);font-weight:800;font-size:1.05rem}
.tool-head i{font-style:normal;font-size:.8rem;color:#ffc49f}
.tool-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
.tool-wide .tool-body{grid-template-columns:minmax(0,1fr)}
.tool-in{padding:22px;display:grid;gap:16px;align-content:start;min-width:0}
.tool-out{padding:22px;background:var(--tint);display:grid;gap:14px;align-content:start;min-width:0}
.tool-out-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.tool-out-3 .span-all{grid-column:1/-1}
.tool-out-score{grid-template-columns:minmax(200px,280px) minmax(0,1fr);align-items:start}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.row2>div,.row3>div{min-width:0}
.check-cell{display:flex;align-items:center}
.hint{display:block;font-size:.82rem;color:var(--muted);margin-top:4px}
.range{display:flex;align-items:center;gap:12px}
.range input{flex:1;accent-color:var(--orange)}
.range output{font-family:var(--fd);font-weight:800;color:var(--blue);min-width:3em;text-align:right}
fieldset.bare{border:0;padding:0;margin:0}
.out-big{background:#fff;border-radius:var(--r);padding:14px 16px;border-left:5px solid var(--orange)}
.out-big small{display:block;color:var(--muted);font-size:.85rem}
.out-big b{display:block;font-family:var(--fd);font-weight:900;font-size:2rem;color:var(--ink);line-height:1.15;word-break:break-word}
.out-rows{display:grid;gap:0;background:#fff;border-radius:var(--r);padding:4px 14px}
.out-rows div{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:.94rem}
.out-rows div:last-child{border:0}
.out-rows b{font-family:var(--fd);color:var(--ink);text-align:right}
.out-msg{margin:0;font-size:.94rem;color:var(--text)}
.stack{display:flex;height:16px;border-radius:999px;overflow:hidden;background:#fff}
.stack span{display:block;width:0;transition:width .4s}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:.82rem;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:5px}
.band{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r);overflow:hidden;font-size:.9rem}
.band caption{text-align:left;font-weight:600;font-size:.85rem;color:var(--muted);padding-bottom:6px}
.band th,.band td{padding:7px 12px;border-bottom:1px solid var(--line);text-align:left}
.band th{background:var(--tint-2);font-family:var(--fd)}
.band tr.hl td{background:#fff1e8;font-weight:600}
.items-table table{width:100%;border-collapse:collapse;font-size:.9rem;min-width:560px}
.items-table th{text-align:left;font-size:.8rem;color:var(--muted);padding:6px}
.items-table td{padding:4px}
.items-table input{padding:8px!important}
.mono{font-family:var(--fd);font-weight:700;white-space:nowrap}
.x{border:0;background:var(--tint);width:30px;height:30px;border-radius:50%;color:var(--ink)}
.days-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}
.timeline{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.timeline li{background:#fff;border-radius:var(--r);padding:12px 14px;border-left:5px solid var(--blue);display:flex;flex-direction:column;gap:2px;font-size:.92rem}
.timeline li.soon{border-left-color:var(--orange)}
.timeline li.past{border-left-color:#9aa6ba;opacity:.8}
.timeline b{font-family:var(--fd);color:var(--ink)}
.timeline em{font-style:normal;font-size:.8rem;color:var(--orange-d);margin-left:6px}
.timeline span{color:var(--muted)}
.quiz{margin:0;padding-left:1.3em;display:grid;gap:8px}
.quiz li{padding:8px 0;border-bottom:1px solid var(--line)}
.quiz li>span:first-child{display:block;margin-bottom:6px}
.yn{display:inline-flex;gap:6px}
.yn button{border:1.5px solid var(--line);background:#fff;border-radius:var(--r);padding:5px 16px;font-weight:600;color:var(--ink)}
.yn .yes[aria-pressed=true]{background:var(--ok);border-color:var(--ok);color:#fff}
.yn .no[aria-pressed=true]{background:var(--orange);border-color:var(--orange);color:#fff}
.gauge{width:100%;max-width:260px;margin:0 auto;display:block}
.gauge path[data-o]{transition:stroke-dashoffset .5s,stroke .3s}
.gauge-num{text-align:center;font-family:var(--fd);font-weight:900;font-size:2.6rem;color:var(--ink);margin-top:-54px}
.todo-h{font-family:var(--fd);font-weight:800;color:var(--ink);margin:12px 0 6px}
.todo{margin:0;padding-left:1.1em;font-size:.93rem}
.tool-note{font-size:.85rem;color:var(--muted);margin:14px 0 0}
.tool-mini{box-shadow:var(--shadow)}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .menu>li>button,.menu .top-link{padding:10px 8px;font-size:.94rem}
  .foot-grid{grid-template-columns:1fr 1fr 1fr}
  .foot-about{grid-column:1/-1}
}
@media (max-width:1080px){
  .nav,.head-cta{display:none}
  .burger{display:flex}
  .no-js .burger{display:none}
  .no-js .nojs-menu{display:block}
  .hero-in{grid-template-columns:1fr;gap:36px;padding:56px 0 64px}
  .hero-form{max-width:520px}
  .intro-grid,.line-split,.check-grid,.faq-split,.contact-grid{grid-template-columns:1fr;gap:40px}
  .line-intro{position:static}
  .who-grid,.card-grid.four,.loc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .card-grid.three,.dir-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .route{grid-template-columns:repeat(3,minmax(0,1fr));row-gap:34px}
  .route::before{display:none}
  .layout{grid-template-columns:1fr;gap:40px}
  .side-sticky{position:static}
  .rpanel{grid-template-columns:1fr}
  .rpanel-ph{min-height:0;aspect-ratio:16/9}
  .tool-body{grid-template-columns:1fr}
}
@media (max-width:760px){
  body{font-size:1rem;padding-bottom:60px}
  .sec{padding:64px 0}
  .util-l,.util-r a[href^="mailto"]{display:none}
  .util .wrap{justify-content:flex-end}
  .bar .wrap{min-height:64px;gap:12px}
  .brand .mark{width:38px;height:38px}
  .brand-t b{font-size:1.02rem}
  .brand-t span{font-size:.68rem;letter-spacing:.1em}
  .who-grid,.card-grid.four,.card-grid.three,.dir-grid,.rel-grid{grid-template-columns:1fr}
  .loc-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
  .loc-b{left:10px;right:10px;bottom:10px}
  .loc-b b{font-size:1rem}
  .loc-b small{font-size:.75rem}
  .tally{grid-template-columns:1fr 1fr;gap:10px}
  .tally>div{padding:16px 14px}
  .route{grid-template-columns:1fr;row-gap:0;text-align:left}
  .route li{text-align:left;padding:0 0 22px 56px}
  .route .stop{left:0;margin-left:0}
  .route li:not(:last-child)::after{content:"";position:absolute;left:15px;top:36px;bottom:0;width:6px;background:var(--tint-2)}
  .fgrid,.row2,.row3{grid-template-columns:1fr}
  .local-card{grid-template-columns:1fr}
  .cols{columns:1}
  .reg-row{grid-template-columns:1fr}
  .reg-row>div{padding:0 18px 18px}
  .reg-ph{min-height:0;aspect-ratio:16/9}
  .phero-in{padding:40px 0 44px}
  .phero h1{margin-left:0;padding-left:14px;border-left-width:5px}
  .rpanel-b{padding:22px}
  .tool-out-3,.tool-out-score{grid-template-columns:1fr}
  .tool-in,.tool-out{padding:18px}
  .lead{padding:20px}
  .hero-form{padding:20px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:28px}
  .callbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:45;box-shadow:0 -8px 20px -12px rgba(10,26,58,.5)}
  .callbar a{display:flex;align-items:center;justify-content:center;gap:8px;padding:14px;font-family:var(--fd);font-weight:800;text-decoration:none;color:#fff;background:var(--orange)}
  .callbar a+a{background:var(--blue)}
  .callbar svg{width:18px;height:18px}
  .to-top{bottom:76px}
  .cta-strip .wrap{padding:38px 0}
  .btn{white-space:normal;text-align:center}
}
@media (max-width:420px){
  .foot-grid{grid-template-columns:1fr}
  .tally b{font-size:2.1rem}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .js .rv{opacity:1;transform:none}
  .ticker-track{animation:none}
}