:root {
    --navy-950: #061722;
    --navy-900: #082538;
    --navy-850: #0b2f45;
    --navy-800: #103c55;
    --blue-700: #0a6087;
    --blue-600: #087aa3;
    --blue-500: #1597bd;
    --blue-100: #dff3fa;
    --blue-050: #f1f9fc;
    --gold-500: #f4ad22;
    --gold-600: #d99008;
    --gold-100: #fff3d4;
    --ink: #112633;
    --text: #314957;
    --muted: #607682;
    --line: #d7e3e8;
    --surface: #ffffff;
    --surface-soft: #f5f8fa;
    --danger: #a62e2e;
    --danger-soft: #fff1f1;
    --warning: #fff4cc;
    --warning-border: #d4aa31;
    --shadow-sm: 0 8px 22px rgba(6, 23, 34, 0.08);
    --shadow-md: 0 20px 50px rgba(6, 23, 34, 0.14);
    --shadow-lg: 0 28px 70px rgba(6, 23, 34, 0.22);
    --radius-sm: 8px;
    --radius-md: 14px;
    --radius-lg: 22px;
    --container: 1200px;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 118px;
}

body {
    margin: 0;
    color: var(--text);
    background: var(--surface);
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 16px;
    line-height: 1.68;
    -webkit-font-smoothing: antialiased;
}

a {
    color: var(--blue-700);
    text-underline-offset: 3px;
}

a:hover,
a:focus {
    color: var(--navy-900);
}

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

h1,
h2,
h3 {
    margin: 0 0 18px;
    color: var(--navy-900);
    font-weight: 800;
    line-height: 1.1;
}

h1 {
    font-size: clamp(2.55rem, 5.2vw, 4.75rem);
    letter-spacing: -0.045em;
}

h2 {
    font-size: clamp(2rem, 3.8vw, 3.25rem);
    letter-spacing: -0.035em;
}

h3 {
    font-size: 1.28rem;
    letter-spacing: -0.015em;
}

p {
    margin: 0 0 18px;
}

.container {
    width: min(calc(100% - 40px), var(--container));
    margin-inline: auto;
}

.staging-banner {
    position: relative;
    z-index: 40;
    padding: 9px 20px;
    color: #493800;
    background: var(--warning);
    border-bottom: 1px solid var(--warning-border);
    font-size: 0.86rem;
    font-weight: 800;
    text-align: center;
}

.utility-bar {
    color: #dceaf0;
    background: var(--navy-950);
    font-size: 0.82rem;
    font-weight: 700;
}

.utility-inner {
    min-height: 36px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.utility-contact {
    display: flex;
    align-items: center;
    gap: 16px;
}

.utility-contact a {
    color: var(--surface);
    font-weight: 900;
    text-decoration: none;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 30;
    background: rgba(255, 255, 255, 0.97);
    border-bottom: 1px solid rgba(215, 227, 232, 0.86);
    box-shadow: 0 6px 24px rgba(6, 23, 34, 0.05);
    backdrop-filter: blur(14px);
}

.header-inner {
    min-height: 84px;
    display: grid;
    grid-template-columns: auto 1fr auto;
    align-items: center;
    gap: 34px;
}

.brand,
.footer-brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    color: var(--navy-900);
    text-decoration: none;
}

.brand-image {
    display: block;
    width: auto;
    max-width: 260px;
    max-height: 58px;
}

.brand-symbol {
    position: relative;
    width: 48px;
    height: 48px;
    flex: 0 0 48px;
    overflow: hidden;
    background: var(--navy-900);
    border-radius: 50%;
    box-shadow: inset 0 0 0 2px rgba(255, 255, 255, 0.12);
}

.brand-sun {
    position: absolute;
    top: 8px;
    right: 8px;
    width: 13px;
    height: 13px;
    background: var(--gold-500);
    border-radius: 50%;
}

.brand-roof {
    position: absolute;
    left: 10px;
    bottom: 10px;
    width: 28px;
    height: 20px;
    border-left: 5px solid var(--surface);
    border-top: 5px solid var(--surface);
    transform: rotate(45deg) skew(-4deg, -4deg);
    transform-origin: center;
}

.brand-copy {
    display: flex;
    flex-direction: column;
    line-height: 1;
}

.brand-name {
    color: inherit;
    font-size: 1.15rem;
    font-weight: 900;
    letter-spacing: -0.025em;
}

.brand-state {
    margin-top: 5px;
    color: var(--blue-600);
    font-size: 0.74rem;
    font-weight: 900;
    letter-spacing: 0.16em;
    text-transform: uppercase;
}

.header-nav {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 26px;
}

.header-nav a {
    color: var(--ink);
    font-size: 0.91rem;
    font-weight: 800;
    text-decoration: none;
}

.header-nav a:hover,
.header-nav a:focus {
    color: var(--blue-700);
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 18px;
}

.header-phone {
    display: flex;
    flex-direction: column;
    color: var(--ink);
    line-height: 1.15;
    text-decoration: none;
}

.header-phone strong {
    margin-top: 3px;
    color: var(--navy-900);
    font-size: 1.02rem;
}

.phone-kicker {
    color: var(--muted);
    font-size: 0.7rem;
    font-weight: 800;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.button {
    display: inline-flex;
    min-height: 54px;
    padding: 14px 24px;
    align-items: center;
    justify-content: center;
    color: var(--surface);
    background: var(--blue-700);
    border: 2px solid var(--blue-700);
    border-radius: var(--radius-sm);
    box-shadow: 0 10px 22px rgba(10, 96, 135, 0.2);
    cursor: pointer;
    font: inherit;
    font-weight: 900;
    line-height: 1.2;
    text-align: center;
    text-decoration: none;
    transition: transform 160ms ease, background-color 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
}

.button:hover,
.button:focus {
    color: var(--surface);
    background: var(--navy-900);
    border-color: var(--navy-900);
    box-shadow: 0 14px 28px rgba(6, 23, 34, 0.22);
    transform: translateY(-1px);
}

.button-small {
    min-height: 44px;
    padding: 11px 17px;
    background: var(--gold-500);
    border-color: var(--gold-500);
    color: var(--navy-950);
    box-shadow: 0 8px 18px rgba(244, 173, 34, 0.25);
    font-size: 0.88rem;
}

.button-small:hover,
.button-small:focus,
.button-gold:hover,
.button-gold:focus {
    color: var(--surface);
    background: var(--gold-600);
    border-color: var(--gold-600);
}

.button-gold {
    color: var(--navy-950);
    background: var(--gold-500);
    border-color: var(--gold-500);
}

.button-outline {
    color: var(--blue-700);
    background: transparent;
    box-shadow: none;
}

.button-outline:hover,
.button-outline:focus {
    color: var(--surface);
}

.hero {
    position: relative;
    isolation: isolate;
    overflow: hidden;
    padding: 78px 0 82px;
    color: #d8e7ee;
    background:
        linear-gradient(115deg, rgba(8, 37, 56, 0.98) 0%, rgba(6, 23, 34, 0.98) 58%, rgba(6, 23, 34, 0.94) 100%),
        radial-gradient(circle at 10% 20%, rgba(21, 151, 189, 0.18), transparent 38%);
}

.hero::after {
    position: absolute;
    right: -120px;
    bottom: -240px;
    z-index: -1;
    width: 620px;
    height: 620px;
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 50%;
    content: "";
}

.hero-glow {
    position: absolute;
    z-index: -1;
    border-radius: 50%;
    filter: blur(2px);
    pointer-events: none;
}

.hero-glow-one {
    top: -180px;
    right: 26%;
    width: 420px;
    height: 420px;
    background: radial-gradient(circle, rgba(21, 151, 189, 0.16), transparent 68%);
}

.hero-glow-two {
    left: -220px;
    bottom: -280px;
    width: 580px;
    height: 580px;
    background: radial-gradient(circle, rgba(244, 173, 34, 0.09), transparent 68%);
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(420px, 0.82fr);
    align-items: center;
    gap: clamp(42px, 6vw, 78px);
}

.hero-content {
    max-width: 710px;
}

.hero h1 {
    color: var(--surface);
}

.hero-copy {
    max-width: 680px;
    color: #d8e7ee;
    font-size: 1.14rem;
}

.eyebrow {
    margin-bottom: 12px;
    color: var(--blue-700);
    font-size: 0.76rem;
    font-weight: 900;
    letter-spacing: 0.15em;
    text-transform: uppercase;
}

.eyebrow-light {
    color: #70cbe4;
}

.hero-bullets {
    display: grid;
    gap: 10px;
    padding: 0;
    margin: 28px 0 30px;
    list-style: none;
}

.hero-bullets li {
    position: relative;
    padding-left: 30px;
    color: #edf7fa;
    font-weight: 700;
}

.hero-bullets li::before {
    position: absolute;
    left: 0;
    top: 0.15em;
    width: 19px;
    height: 19px;
    display: grid;
    place-items: center;
    color: var(--navy-950);
    background: var(--gold-500);
    border-radius: 50%;
    content: "✓";
    font-size: 0.67rem;
    font-weight: 900;
}

.hero-assurance {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 32px;
}

.hero-assurance div {
    min-width: 180px;
    display: flex;
    align-items: baseline;
    gap: 8px;
    padding: 11px 14px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 10px;
}

.hero-assurance strong {
    color: var(--gold-500);
    font-size: 1.05rem;
}

.hero-assurance span {
    color: #dceaf0;
    font-size: 0.78rem;
    font-weight: 700;
}

.hero-phone-row {
    display: flex;
    align-items: center;
    gap: 14px;
}

.phone-icon {
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    color: var(--navy-950);
    background: var(--gold-500);
    border-radius: 50%;
    font-size: 1rem;
}

.hero-phone-row div {
    display: grid;
    grid-template-columns: auto auto;
    align-items: baseline;
    column-gap: 8px;
}

.hero-phone-row span:not(.phone-icon) {
    color: #a9c0ca;
    font-size: 0.82rem;
}

.hero-phone-row a {
    color: var(--surface);
    font-size: 1.08rem;
    font-weight: 900;
    text-decoration: none;
}

.hero-phone-row small {
    grid-column: 1 / -1;
    color: #8fa9b4;
    font-size: 0.75rem;
}

.hero-form-card {
    position: relative;
    padding: 34px;
    color: var(--text);
    background: var(--surface);
    border: 1px solid rgba(255, 255, 255, 0.48);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.hero-form-card::before {
    position: absolute;
    top: 0;
    right: 26px;
    left: 26px;
    height: 5px;
    background: linear-gradient(90deg, var(--gold-500), var(--blue-500));
    border-radius: 0 0 10px 10px;
    content: "";
}

.form-card-heading {
    margin-bottom: 22px;
}

.form-card-heading h2 {
    margin-bottom: 10px;
    font-size: clamp(1.75rem, 2.8vw, 2.35rem);
}

.form-card-heading p:last-child {
    margin-bottom: 0;
    color: var(--muted);
    font-size: 0.93rem;
}

.review-form {
    position: relative;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 15px;
}

.field {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.field-full {
    grid-column: 1 / -1;
}

label {
    color: var(--ink);
    font-size: 0.82rem;
    font-weight: 800;
}

.optional-label {
    margin-left: 5px;
    color: var(--muted);
    font-size: 0.72rem;
    font-weight: 600;
}

input,
select,
textarea {
    width: 100%;
    min-height: 46px;
    padding: 10px 12px;
    color: var(--ink);
    background: var(--surface);
    border: 1px solid #bfcfd6;
    border-radius: 7px;
    font: inherit;
    font-size: 0.92rem;
    transition: border-color 150ms ease, box-shadow 150ms ease;
}

textarea {
    min-height: 96px;
    resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
    border-color: var(--blue-600);
    outline: none;
    box-shadow: 0 0 0 3px rgba(8, 122, 163, 0.13);
}

.field small,
.field-error,
.turnstile-wrap small {
    color: var(--danger);
    font-size: 0.78rem;
    font-weight: 700;
}

.form-alert {
    margin-bottom: 18px;
    padding: 12px 14px;
    color: var(--danger);
    background: var(--danger-soft);
    border: 1px solid #e2aaaa;
    border-radius: var(--radius-sm);
    font-size: 0.86rem;
    font-weight: 800;
}

.form-alert-fallback {
    display: block;
    margin-top: 6px;
    font-weight: 700;
}

.form-alert-fallback a {
    color: inherit;
    text-decoration: underline;
}

.honeypot {
    position: absolute !important;
    width: 1px;
    height: 1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
}

.turnstile-wrap,
.integration-note,
.consent {
    margin-top: 18px;
}

.integration-note {
    padding: 10px 12px;
    color: #4b3900;
    background: var(--warning);
    border: 1px solid var(--warning-border);
    border-radius: var(--radius-sm);
    font-size: 0.78rem;
    font-weight: 700;
}

.consent {
    display: grid;
    grid-template-columns: 18px 1fr;
    align-items: start;
    gap: 10px;
}

.consent input {
    width: 17px;
    min-height: 17px;
    margin-top: 4px;
}

.consent label {
    color: var(--text);
    font-size: 0.75rem;
    font-weight: 500;
    line-height: 1.52;
}

.button-submit {
    width: 100%;
    margin-top: 20px;
    color: var(--navy-950);
    background: var(--gold-500);
    border-color: var(--gold-500);
    box-shadow: 0 12px 24px rgba(244, 173, 34, 0.25);
}

.form-privacy-note {
    margin: 12px 0 0;
    color: var(--muted);
    font-size: 0.72rem;
    text-align: center;
}

.results-strip {
    padding: 34px 0 38px;
    background: var(--surface);
    border-bottom: 1px solid var(--line);
}

.results-kicker {
    margin: 0 0 24px;
    color: var(--navy-900);
    font-size: 0.82rem;
    font-weight: 900;
    letter-spacing: 0.12em;
    text-align: center;
    text-transform: uppercase;
}

.results-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}

.results-grid > div {
    min-height: 118px;
    display: flex;
    padding: 22px 18px;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    background: var(--surface);
    border-right: 1px solid var(--line);
    text-align: center;
}

.results-grid > div:last-child {
    border-right: 0;
}

.results-grid strong {
    color: var(--blue-700);
    font-size: clamp(1.8rem, 3vw, 2.65rem);
    font-weight: 900;
    letter-spacing: -0.045em;
    line-height: 1;
}

.results-grid span {
    margin-top: 9px;
    color: var(--ink);
    font-size: 0.82rem;
    font-weight: 800;
}

.protection-section {
    padding: 82px 0;
    color: #d8e7ee;
    background:
        radial-gradient(circle at 88% 20%, rgba(21, 151, 189, 0.18), transparent 34%),
        linear-gradient(125deg, var(--navy-950), var(--navy-850));
}

.protection-layout {
    display: grid;
    grid-template-columns: minmax(260px, 0.7fr) minmax(0, 1.3fr);
    align-items: center;
    gap: clamp(42px, 7vw, 88px);
}

.protection-intro h2,
.protection-card h3 {
    color: var(--surface);
}

.protection-intro > p:not(.eyebrow) {
    color: #c7d9e1;
}

.protection-intro .button {
    margin-top: 10px;
}

.protection-cards {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 20px;
}

.protection-card {
    padding: 32px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.13);
    border-radius: var(--radius-lg);
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.16);
}

.protection-value {
    display: inline-flex;
    margin-bottom: 20px;
    padding: 7px 11px;
    color: var(--navy-950);
    background: var(--gold-500);
    border-radius: 999px;
    font-size: 0.76rem;
    font-weight: 900;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.protection-card p {
    margin-bottom: 0;
    color: #c7d9e1;
}

.protection-note {
    grid-column: 1 / -1;
    margin: 0;
    color: #94acb7;
    font-size: 0.84rem;
    text-align: center;
}

.testimonials-section {
    background: var(--surface-soft);
}

.testimonial-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}

.testimonial-card {
    padding: 30px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.testimonial-stars {
    margin-bottom: 18px;
    color: var(--gold-500);
    letter-spacing: 0.12em;
}

.testimonial-card blockquote {
    margin: 0 0 22px;
    color: var(--ink);
    font-size: 1.03rem;
    font-weight: 650;
}

.testimonial-card p {
    display: flex;
    margin: 0;
    flex-direction: column;
}

.testimonial-card span {
    color: var(--muted);
    font-size: 0.86rem;
}

.research-warning {
    padding: 15px 0;
    color: #4b3900;
    background: var(--warning);
    border-block: 1px solid var(--warning-border);
    font-size: 0.9rem;
}

.section {
    padding: 92px 0;
}

.section-heading {
    max-width: 810px;
    margin-bottom: 38px;
}

.section-heading p:last-child {
    color: var(--muted);
    font-size: 1.04rem;
}

.section-heading-centered {
    margin-right: auto;
    margin-left: auto;
    text-align: center;
}

.section-heading-light h2,
.section-heading-light p:last-child {
    color: var(--surface);
}

.section-heading-light p:last-child {
    color: #bfd2db;
}

.problems-section {
    background: var(--surface-soft);
}

.card-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.card {
    position: relative;
    padding: 30px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.problem-card {
    padding-top: 34px;
    border-top: 4px solid transparent;
    transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.problem-card:hover {
    border-top-color: var(--gold-500);
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.problem-icon {
    width: 38px;
    height: 38px;
    display: grid;
    place-items: center;
    margin-bottom: 22px;
    color: var(--navy-950);
    background: var(--gold-500);
    border-radius: 50%;
    font-size: 1.05rem;
    font-weight: 900;
}

.problem-card h3 {
    min-height: 2.7em;
}

.problem-card p {
    margin-bottom: 0;
    color: var(--muted);
}

.how-section {
    color: #d8e7ee;
    background:
        linear-gradient(120deg, rgba(8, 37, 56, 0.99), rgba(6, 23, 34, 0.99)),
        radial-gradient(circle at 80% 20%, rgba(21, 151, 189, 0.18), transparent 36%);
}

.steps {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
}

.step {
    position: relative;
    padding: 34px 30px 30px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.13);
    border-radius: var(--radius-md);
}

.step-number {
    display: block;
    margin-bottom: 28px;
    color: var(--gold-500);
    font-size: 2.15rem;
    font-weight: 900;
    line-height: 1;
}

.step h3 {
    color: var(--surface);
}

.step p {
    margin-bottom: 0;
    color: #bfd2db;
}

.state-section {
    background: var(--surface);
}

.module-list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.module {
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 20px;
    padding: 28px;
    background: var(--blue-050);
    border: 1px solid #cfe6ef;
    border-radius: var(--radius-md);
}

.module-number {
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    color: var(--surface);
    background: var(--blue-700);
    border-radius: 50%;
    font-size: 0.78rem;
    font-weight: 900;
}

.module h3 {
    margin-bottom: 10px;
}

.module p {
    margin-bottom: 0;
    color: var(--muted);
}

.review-details-section {
    background: var(--surface-soft);
}

.two-column {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

.detail-panel {
    padding: clamp(32px, 5vw, 52px);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.detail-panel-blue {
    color: #d8e7ee;
    background: linear-gradient(135deg, var(--blue-700), var(--navy-900));
}

.detail-panel-blue h2 {
    color: var(--surface);
}

.detail-panel-light {
    background: var(--surface);
    border: 1px solid var(--line);
}

.check-list,
.document-list {
    padding: 0;
    margin: 28px 0 0;
    list-style: none;
}

.check-list li,
.document-list li {
    position: relative;
    padding: 13px 0 13px 34px;
    border-bottom: 1px solid var(--line);
}

.check-list li:last-child,
.document-list li:last-child {
    border-bottom: 0;
}

.check-list li::before,
.document-list li::before {
    position: absolute;
    left: 0;
    top: 15px;
    width: 20px;
    height: 20px;
    display: grid;
    place-items: center;
    color: var(--surface);
    background: var(--blue-600);
    border-radius: 50%;
    content: "✓";
    font-size: 0.67rem;
    font-weight: 900;
}

.check-list-light li {
    border-bottom-color: rgba(255, 255, 255, 0.14);
}

.check-list-light li::before {
    color: var(--navy-950);
    background: var(--gold-500);
}

.faq-section {
    background: var(--surface);
}

.faq-layout {
    display: grid;
    grid-template-columns: minmax(260px, 0.7fr) minmax(0, 1.3fr);
    align-items: start;
    gap: clamp(40px, 7vw, 86px);
}

.faq-intro {
    position: sticky;
    top: 132px;
}

.faq-list {
    display: grid;
    gap: 12px;
}

.faq-list details {
    overflow: hidden;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
}

.faq-list summary {
    position: relative;
    padding: 21px 58px 21px 22px;
    color: var(--ink);
    cursor: pointer;
    font-weight: 900;
    list-style: none;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list summary::after {
    position: absolute;
    top: 50%;
    right: 20px;
    width: 28px;
    height: 28px;
    display: grid;
    place-items: center;
    color: var(--surface);
    background: var(--blue-700);
    border-radius: 50%;
    content: "+";
    font-size: 1.15rem;
    transform: translateY(-50%);
}

.faq-list details[open] summary::after {
    content: "−";
}

.faq-list details p {
    padding: 0 22px 22px;
    margin: 0;
    color: var(--muted);
}

.final-cta {
    padding: 62px 0;
    color: #d8e7ee;
    background: linear-gradient(100deg, var(--blue-700), var(--navy-900));
}

.final-cta-inner {
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 42px;
}

.final-cta h2 {
    max-width: 760px;
    color: var(--surface);
}

.final-cta p:last-child {
    margin-bottom: 0;
}

.final-cta-actions {
    min-width: 270px;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
}

.final-phone {
    color: var(--surface);
    font-weight: 900;
    text-align: center;
    text-decoration: none;
}

.resources-section {
    background: var(--surface-soft);
}

.resource-list {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.resource-list article {
    position: relative;
    padding: 28px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.resource-mark {
    width: 34px;
    height: 34px;
    display: grid;
    place-items: center;
    margin-bottom: 18px;
    color: var(--surface);
    background: var(--blue-700);
    border-radius: 50%;
    font-weight: 900;
}

.resource-list p {
    color: var(--muted);
}

.source-placeholder {
    color: var(--danger);
    font-size: 0.82rem;
    font-weight: 800;
}

.source-note {
    margin: 26px 0 0;
    color: var(--muted);
    font-size: 0.88rem;
    text-align: center;
}

.legal-page {
    background: var(--surface-soft);
}

.legal-container {
    max-width: 880px;
    padding: clamp(28px, 5vw, 58px);
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

.legal-page h2 {
    margin-top: 42px;
    font-size: 1.7rem;
}

.thank-you {
    min-height: 64vh;
    display: flex;
    align-items: center;
    background: var(--surface-soft);
}

.narrow {
    max-width: 760px;
}

.site-footer {
    color: #c2d3da;
    background: var(--navy-950);
}

.footer-main {
    display: grid;
    grid-template-columns: 1.25fr 0.65fr 0.9fr;
    gap: 60px;
    padding-top: 68px;
    padding-bottom: 48px;
}

.footer-brand {
    color: var(--surface);
    margin-bottom: 20px;
}

.footer-group-logo {
    display: block;
    width: min(100%, 340px);
    height: auto;
    margin-bottom: 22px;
}

.brand-symbol-footer {
    background: var(--navy-800);
}

.footer-brand .brand-name {
    color: var(--surface);
}

.footer-brand-column p {
    max-width: 440px;
    color: #a9c0ca;
}

.footer-links-column,
.footer-contact-column {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
}

.site-footer h2 {
    margin-bottom: 8px;
    color: var(--surface);
    font-size: 1rem;
    letter-spacing: 0;
}

.site-footer a {
    color: #dceaf0;
    text-decoration: none;
}

.site-footer a:hover,
.site-footer a:focus {
    color: var(--gold-500);
}

.footer-contact-column p {
    margin-bottom: 6px;
    color: #a9c0ca;
}

.footer-phone {
    color: var(--surface) !important;
    font-size: 1.3rem;
    font-weight: 900;
}

.footer-email {
    font-size: 0.9rem;
    overflow-wrap: anywhere;
}

.footer-contact-column span {
    color: #8fa9b4;
    font-size: 0.82rem;
}

.footer-review-link {
    margin-top: 8px;
    color: var(--gold-500) !important;
    font-weight: 900;
}

.footer-disclaimer {
    padding: 22px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.11);
}

.footer-disclaimer p {
    position: relative;
    padding-left: 34px;
    margin: 0;
    color: #91aab5;
    font-size: 0.82rem;
}

.disclaimer-icon {
    position: absolute;
    left: 0;
    top: 2px;
    width: 22px;
    height: 22px;
    display: grid;
    place-items: center;
    color: var(--navy-950);
    background: var(--blue-100);
    border-radius: 50%;
    font-size: 0.76rem;
    font-weight: 900;
}

.footer-bottom {
    background: #04121b;
}

.footer-bottom-inner {
    min-height: 64px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.footer-bottom p {
    margin: 0;
    color: #8099a4;
    font-size: 0.82rem;
}

.footer-bottom nav {
    display: flex;
    gap: 20px;
    font-size: 0.82rem;
}

@media (max-width: 1120px) {
    .header-inner {
        grid-template-columns: auto 1fr;
    }

    .header-nav {
        display: none;
    }

    .header-actions {
        justify-content: flex-end;
    }

    .hero-grid {
        grid-template-columns: minmax(0, 1fr) minmax(390px, 0.88fr);
        gap: 42px;
    }
}

@media (max-width: 920px) {
    html {
        scroll-padding-top: 24px;
    }

    .site-header {
        position: static;
    }

    .hero {
        padding-top: 62px;
    }

    .hero-grid,
    .faq-layout,
    .final-cta-inner {
        grid-template-columns: 1fr;
    }

    .hero-content {
        max-width: 780px;
    }

    .hero-form-card {
        max-width: 720px;
    }

    .results-grid,
    .protection-cards,
    .testimonial-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .results-grid > div:nth-child(2) {
        border-right: 0;
    }

    .results-grid > div:nth-child(-n+2) {
        border-bottom: 1px solid var(--line);
    }

    .protection-layout {
        grid-template-columns: 1fr;
    }

    .card-grid,
    .resource-list {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .faq-intro {
        position: static;
    }

    .final-cta-actions {
        min-width: 0;
        max-width: 360px;
    }

    .footer-main {
        grid-template-columns: 1fr 1fr;
    }

    .footer-brand-column {
        grid-column: 1 / -1;
    }
}

@media (max-width: 720px) {
    .container {
        width: min(calc(100% - 28px), var(--container));
    }

    .utility-inner {
        min-height: 42px;
        justify-content: center;
    }

    .utility-inner > span,
    .utility-contact span {
        display: none;
    }

    .header-inner {
        min-height: auto;
        grid-template-columns: 1fr;
        gap: 14px;
        padding: 14px 0;
    }

    .brand {
        justify-self: center;
    }

    .header-actions {
        width: 100%;
        justify-content: center;
    }

    .header-phone {
        display: none;
    }

    .button-small {
        width: 100%;
        max-width: 360px;
    }

    .hero {
        padding: 52px 0 58px;
    }

    .hero-assurance {
        display: grid;
        grid-template-columns: 1fr;
    }

    .hero-assurance div {
        min-width: 0;
    }

    .hero-phone-row div {
        grid-template-columns: 1fr;
    }

    .hero-phone-row small {
        grid-column: auto;
    }

    .hero-form-card {
        padding: 28px 20px;
        border-radius: var(--radius-md);
    }

    .form-grid,
    .card-grid,
    .steps,
    .module-list,
    .two-column,
    .resource-list,
    .footer-main {
        grid-template-columns: 1fr;
    }

    .results-grid,
    .protection-cards,
    .testimonial-grid {
        grid-template-columns: 1fr;
    }

    .results-grid > div {
        border-right: 0;
        border-bottom: 1px solid var(--line);
    }

    .results-grid > div:last-child {
        border-bottom: 0;
    }

    .protection-section {
        padding: 68px 0;
    }

    .protection-card {
        padding: 26px 22px;
    }

    .section {
        padding: 70px 0;
    }

    .problem-card h3 {
        min-height: 0;
    }

    .module {
        grid-template-columns: 42px 1fr;
        padding: 22px;
    }

    .detail-panel {
        padding: 30px 22px;
    }

    .footer-main {
        gap: 34px;
        padding-top: 52px;
    }

    .footer-brand-column {
        grid-column: auto;
    }

    .footer-bottom-inner {
        padding: 18px 0;
        align-items: flex-start;
        flex-direction: column;
    }
}


/* =========================================================
   Alabama research-content modules, v4
   ========================================================= */

.inline-sources {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 14px;
    margin-top: 18px;
}

.inline-sources a {
    position: relative;
    padding-left: 16px;
    color: var(--blue-700);
    font-size: 0.78rem;
    font-weight: 800;
    line-height: 1.35;
    text-decoration: none;
}

.inline-sources a::before {
    position: absolute;
    left: 0;
    top: 0;
    content: "↗";
    color: var(--gold-600);
}

.inline-sources a:hover,
.inline-sources a:focus {
    text-decoration: underline;
}

.mini-list,
.review-points,
.party-card ul {
    padding: 0;
    margin: 20px 0 0;
    list-style: none;
}

.mini-list {
    display: grid;
    gap: 9px;
}

.mini-list li,
.review-points li,
.party-card li {
    position: relative;
    padding-left: 25px;
}

.mini-list li::before,
.review-points li::before,
.party-card li::before {
    position: absolute;
    left: 0;
    top: 0.1em;
    color: var(--blue-600);
    content: "✓";
    font-weight: 900;
}

.problem-card .mini-list {
    color: var(--muted);
    font-size: 0.9rem;
}

.state-intro-section {
    background:
        radial-gradient(circle at 85% 10%, rgba(21, 151, 189, 0.10), transparent 30%),
        var(--blue-050);
}

.state-intro-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.25fr) minmax(320px, 0.75fr);
    align-items: start;
    gap: clamp(42px, 6vw, 78px);
}

.state-intro-layout > div:first-child {
    max-width: 760px;
}

.state-facts {
    display: grid;
    gap: 14px;
}

.state-facts article {
    padding: 24px 26px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-left: 5px solid var(--gold-500);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.state-facts strong {
    display: block;
    margin-bottom: 5px;
    color: var(--navy-900);
    font-size: 1.45rem;
    line-height: 1.1;
}

.state-facts span {
    color: var(--muted);
    font-size: 0.9rem;
}

.utility-section {
    background: var(--surface);
}

.utility-card-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
    margin-top: 38px;
}

.utility-card {
    padding: 30px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.utility-card h3 {
    min-height: 2.45em;
}

.utility-card p {
    color: var(--muted);
}

.state-callout {
    display: flex;
    gap: 10px;
    margin-top: 28px;
    padding: 20px 22px;
    color: #3b320d;
    background: var(--gold-100);
    border: 1px solid #f2d48d;
    border-radius: var(--radius-md);
}

.state-callout strong {
    flex: 0 0 auto;
    color: var(--navy-900);
}

.state-callout-small {
    display: block;
    margin-top: 22px;
    font-size: 0.92rem;
}

.deep-dive-section {
    background: var(--surface-soft);
}

.deep-dive-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
    margin-top: 36px;
}

.deep-dive-card,
.content-panel,
.party-card,
.review-box {
    padding: 30px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

.deep-dive-card {
    border-top: 5px solid var(--blue-600);
}

.review-box {
    margin-top: 24px;
    background: var(--blue-050);
    box-shadow: none;
}

.review-box h3 {
    margin-bottom: 16px;
}

.review-points {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px 22px;
}

.review-box-standalone {
    margin-top: 0;
}

.split-info-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
    align-items: start;
    gap: clamp(36px, 6vw, 72px);
}

.tva-section {
    background: var(--navy-900);
    color: #d8e7ee;
}

.tva-section h2,
.tva-section h3 {
    color: var(--surface);
}

.tva-section .review-box {
    color: var(--text);
    background: var(--surface);
}

.tva-section .inline-sources a {
    color: #83d1e7;
}

.cancellation-section {
    background: var(--surface);
}

.licensing-section {
    background: var(--blue-050);
}

.party-card {
    border-top: 5px solid var(--gold-500);
}

.party-card p {
    margin-top: 20px;
    color: var(--muted);
}

.finance-section {
    background: var(--surface-soft);
}

.content-pair {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    align-items: start;
    gap: 24px;
}

.content-panel {
    height: 100%;
}

.content-panel-tax {
    border-top: 5px solid var(--gold-500);
}

.transaction-section {
    background: var(--surface);
}

.complaint-guide-section {
    background:
        linear-gradient(180deg, rgba(8, 37, 56, 0.02), rgba(8, 37, 56, 0.06)),
        var(--surface-soft);
}

.complaint-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
    margin-top: 38px;
}

.complaint-card {
    position: relative;
    padding: 28px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
}

.complaint-problem {
    display: block;
    margin-bottom: 10px;
    color: var(--blue-700);
    font-size: 0.76rem;
    font-weight: 900;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.complaint-card h3 {
    margin-bottom: 12px;
}

.complaint-card p {
    color: var(--muted);
}

.complaint-limitation {
    padding: 13px 15px;
    color: var(--text) !important;
    background: var(--gold-100);
    border-radius: var(--radius-sm);
    font-size: 0.88rem;
}

.complaint-card > a {
    display: inline-flex;
    margin-top: 2px;
    font-size: 0.85rem;
    font-weight: 900;
    text-decoration: none;
}

.footer-brand-column strong {
    color: var(--surface);
}

.footer-state-note {
    margin-top: 12px !important;
    color: #9fb5bf;
    font-size: 0.82rem;
}

.resources-section .resource-list {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

@media (max-width: 1040px) {
    .state-intro-layout,
    .split-info-layout,
    .content-pair {
        grid-template-columns: 1fr;
    }

    .utility-card-grid {
        grid-template-columns: 1fr;
    }

    .review-points {
        grid-template-columns: 1fr;
    }

    .resources-section .resource-list {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 760px) {
    .deep-dive-grid,
    .complaint-grid,
    .resources-section .resource-list {
        grid-template-columns: 1fr;
    }

    .state-callout {
        display: block;
    }

    .state-callout strong {
        display: block;
        margin-bottom: 5px;
    }
}


/* =========================================================
   Page directory, hashless jump navigation, and compact
   resource layouts, v5
   ========================================================= */

.sr-only {
    position: absolute !important;
    width: 1px !important;
    height: 1px !important;
    padding: 0 !important;
    margin: -1px !important;
    overflow: hidden !important;
    clip: rect(0, 0, 0, 0) !important;
    white-space: nowrap !important;
    border: 0 !important;
}

section[id],
aside[id],
article[id] {
    scroll-margin-top: 154px;
}

.page-guide-section {
    padding: clamp(42px, 6vw, 72px) 0;
    background:
        linear-gradient(135deg, rgba(8, 122, 163, 0.05), rgba(244, 173, 34, 0.07)),
        var(--surface);
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}

.page-guide-heading {
    max-width: 820px;
    margin-bottom: 30px;
}

.page-guide-heading h2 {
    max-width: 760px;
    font-size: clamp(1.85rem, 3vw, 2.65rem);
}

.page-guide-heading p:last-child {
    max-width: 720px;
    color: var(--muted);
}

.page-guide-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 12px;
}

.page-guide-grid a {
    min-height: 92px;
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 18px 20px;
    color: var(--navy-900);
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: 0 5px 14px rgba(6, 23, 34, 0.05);
    text-decoration: none;
    transition: transform 160ms ease, border-color 160ms ease, box-shadow 160ms ease;
}

.page-guide-grid a:hover,
.page-guide-grid a:focus-visible {
    color: var(--navy-900);
    border-color: rgba(8, 122, 163, 0.5);
    box-shadow: var(--shadow-sm);
    transform: translateY(-2px);
}

.page-guide-grid span {
    min-width: 28px;
    color: var(--gold-600);
    font-size: 0.78rem;
    font-weight: 900;
    letter-spacing: 0.08em;
}

.page-guide-grid strong {
    font-size: 0.94rem;
    line-height: 1.3;
}

.sticky-jump-nav {
    position: sticky;
    top: 84px;
    z-index: 24;
    color: #dbe9ef;
    background: rgba(6, 23, 34, 0.97);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    box-shadow: 0 10px 24px rgba(6, 23, 34, 0.12);
    backdrop-filter: blur(12px);
}

.sticky-jump-inner {
    min-height: 48px;
    display: flex;
    align-items: center;
    gap: 16px;
}

.sticky-jump-label {
    flex: 0 0 auto;
    color: #8eabb8;
    font-size: 0.76rem;
    font-weight: 900;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.sticky-jump-links {
    min-width: 0;
    display: flex;
    align-items: center;
    gap: 3px;
    overflow-x: auto;
    scrollbar-width: none;
}

.sticky-jump-links::-webkit-scrollbar {
    display: none;
}

.sticky-jump-links a {
    flex: 0 0 auto;
    padding: 7px 10px;
    color: #cfe0e8;
    border-radius: 999px;
    font-size: 0.78rem;
    font-weight: 800;
    text-decoration: none;
}

.sticky-jump-links a:hover,
.sticky-jump-links a:focus-visible,
.sticky-jump-links a.is-active {
    color: var(--navy-950);
    background: var(--gold-500);
}

.sticky-jump-select-wrap {
    display: none;
    width: 100%;
}

.sticky-jump-select-wrap select {
    width: 100%;
    min-height: 42px;
    padding: 8px 38px 8px 14px;
    color: var(--surface);
    background: var(--navy-850);
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: var(--radius-sm);
    font: inherit;
    font-size: 0.88rem;
    font-weight: 800;
}

.section-return {
    margin-top: 28px;
    text-align: right;
}

.section-return a {
    display: inline-flex;
    align-items: center;
    color: var(--blue-700);
    font-size: 0.78rem;
    font-weight: 900;
    letter-spacing: 0.02em;
    text-decoration: none;
}

.section-return a:hover,
.section-return a:focus-visible {
    text-decoration: underline;
}

.section-return-grid,
.section-return-faq {
    grid-column: 1 / -1;
}

.tva-section .section-return a,
.how-section .section-return a {
    color: #8fd3e8;
}

.complaint-grid {
    display: none;
}

.complaint-directory {
    max-width: 980px;
    display: grid;
    gap: 10px;
    margin: 34px auto 0;
}

.complaint-row {
    overflow: hidden;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    box-shadow: 0 4px 12px rgba(6, 23, 34, 0.04);
}

.complaint-row summary {
    min-height: 76px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    padding: 15px 20px;
    cursor: pointer;
    list-style: none;
}

.complaint-row summary::-webkit-details-marker {
    display: none;
}

.complaint-summary-copy {
    min-width: 0;
    display: block;
}

.complaint-summary-copy .complaint-problem {
    margin-bottom: 3px;
}

.complaint-summary-copy strong {
    display: block;
    color: var(--navy-900);
    font-size: 1rem;
    line-height: 1.35;
}

.complaint-toggle {
    flex: 0 0 auto;
    width: 30px;
    height: 30px;
    display: grid;
    place-items: center;
    color: var(--navy-900);
    background: var(--gold-100);
    border-radius: 50%;
    font-size: 1.15rem;
    font-weight: 900;
    transition: transform 160ms ease;
}

.complaint-row[open] .complaint-toggle {
    transform: rotate(45deg);
}

.complaint-row-body {
    padding: 0 20px 20px;
    border-top: 1px solid var(--line);
}

.complaint-row-body > p:first-child {
    margin-top: 18px;
}

.complaint-row-body > a {
    display: inline-flex;
    font-size: 0.84rem;
    font-weight: 900;
    text-decoration: none;
}

.resource-list {
    display: none;
}

.resource-directory {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 10px;
}

.resource-row {
    min-width: 0;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    gap: 10px;
    padding: 17px 18px;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
}

.resource-row h3 {
    margin-bottom: 7px;
    font-size: 0.98rem;
    line-height: 1.25;
}

.resource-row p {
    margin-bottom: 0;
    color: var(--muted);
    font-size: 0.8rem;
    line-height: 1.45;
}

.resource-row > a {
    align-self: flex-start;
    font-size: 0.76rem;
    font-weight: 900;
    text-decoration: none;
}

@media (max-width: 1120px) {
    .page-guide-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }
}

@media (max-width: 920px) {
    section[id],
    aside[id],
    article[id] {
        scroll-margin-top: 76px;
    }

    .sticky-jump-nav {
        top: 0;
        z-index: 35;
    }

    .sticky-jump-inner {
        min-height: 58px;
    }

    .sticky-jump-label,
    .sticky-jump-links {
        display: none;
    }

    .sticky-jump-select-wrap {
        display: block;
    }

    .page-guide-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .resource-directory {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 620px) {
    .page-guide-grid,
    .resource-directory {
        grid-template-columns: 1fr;
    }

    .page-guide-grid a {
        min-height: 72px;
        padding: 14px 16px;
    }

    .section-return {
        text-align: left;
    }

    .complaint-row summary {
        min-height: 70px;
        padding: 14px 16px;
    }

    .complaint-row-body {
        padding: 0 16px 18px;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    .page-guide-grid a,
    .complaint-toggle {
        transition: none;
    }
}


/* =========================================================
   Configuration-driven form and floating Back to Top, v6
   ========================================================= */

.field-help {
    display: block;
    margin-top: 7px;
    color: var(--muted);
    font-size: 0.76rem;
    line-height: 1.45;
}

.field-error {
    display: block;
    margin-top: 7px;
    color: #a52b2b;
    font-size: 0.76rem;
    font-weight: 800;
    line-height: 1.4;
}

.back-to-top {
    position: fixed;
    right: 22px;
    bottom: calc(22px + env(safe-area-inset-bottom, 0px));
    z-index: 80;
    width: 46px;
    height: 46px;
    display: grid;
    place-items: center;
    padding: 0;
    color: var(--surface);
    background: rgba(6, 23, 34, 0.94);
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 50%;
    box-shadow: 0 10px 26px rgba(6, 23, 34, 0.26);
    cursor: pointer;
    opacity: 0;
    pointer-events: none;
    transform: translateY(10px);
    transition: opacity 160ms ease, transform 160ms ease, background 160ms ease;
    backdrop-filter: blur(8px);
}

.back-to-top span {
    display: block;
    margin-top: -2px;
    font-size: 1.3rem;
    font-weight: 900;
    line-height: 1;
}

.back-to-top.is-visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

.back-to-top:hover,
.back-to-top:focus-visible {
    color: var(--navy-950);
    background: var(--gold-500);
    outline: none;
}

.back-to-top:focus-visible {
    box-shadow:
        0 0 0 4px rgba(244, 173, 34, 0.25),
        0 10px 26px rgba(6, 23, 34, 0.26);
}

@media (max-width: 760px) {
    .back-to-top {
        right: 16px;
        bottom: calc(72px + env(safe-area-inset-bottom, 0px));
        width: 48px;
        height: 48px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .back-to-top {
        transition: none;
    }
}

/* =========================================================
   Two-state staging preview and California modules, v7
   ========================================================= */

.staging-banner-inner {
    min-height: 38px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 22px;
    flex-wrap: wrap;
}

.staging-banner-inner > span {
    line-height: 1.35;
}

.staging-state-switcher {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-weight: 800;
}

.staging-state-switcher span {
    font-size: 0.76rem;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.staging-state-switcher select {
    min-height: 32px;
    padding: 4px 30px 4px 10px;
    color: var(--navy-950);
    background: #fff;
    border: 1px solid rgba(6, 23, 34, 0.2);
    border-radius: 7px;
    font: inherit;
    font-size: 0.82rem;
    font-weight: 800;
}

.special-issue-section {
    background:
        radial-gradient(circle at 90% 10%, rgba(244, 173, 34, 0.12), transparent 30%),
        var(--blue-050);
}

.consumer-protection-section {
    background: var(--surface);
}

.resource-warning-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
    margin-top: 28px;
}

.resource-warning {
    padding: 24px 26px;
    background: #fff8e6;
    border: 1px solid #efcf81;
    border-radius: var(--radius-md);
}

.warning-label {
    display: inline-block;
    margin-bottom: 8px;
    color: #72520b;
    font-size: 0.72rem;
    font-weight: 900;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.resource-warning h3 {
    margin-bottom: 10px;
}

.resource-warning p {
    color: var(--muted);
}

.resource-warning a {
    display: inline-block;
    margin-top: 4px;
    font-size: 0.84rem;
    font-weight: 900;
    text-decoration: none;
}

.thank-you {
    min-height: 68vh;
    display: flex;
    align-items: center;
    background:
        radial-gradient(circle at 50% 0%, rgba(31, 139, 172, 0.11), transparent 38%),
        var(--surface-soft);
}

.thank-you-card {
    padding: clamp(34px, 6vw, 58px);
    text-align: center;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
}

.thank-you-check {
    width: 58px;
    height: 58px;
    display: grid;
    place-items: center;
    margin: 0 auto 18px;
    color: var(--surface);
    background: var(--blue-600);
    border-radius: 50%;
    font-size: 1.6rem;
    font-weight: 900;
}

.thank-you-card h1 {
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
}

.thank-you-lead {
    max-width: 760px;
    margin: 16px auto 0;
    color: var(--muted);
    font-size: 1.06rem;
}

.submission-id {
    display: inline-block;
    margin: 22px auto 0;
    padding: 9px 13px;
    background: var(--blue-050);
    border-radius: var(--radius-sm);
    font-size: 0.84rem;
}

.thank-you-next {
    max-width: 760px;
    margin: 32px auto;
    padding: 26px 28px;
    text-align: left;
    background: var(--blue-050);
    border-radius: var(--radius-md);
}

.thank-you-next h2 {
    margin-bottom: 14px;
    font-size: 1.25rem;
}

.thank-you-next ol {
    display: grid;
    gap: 12px;
    margin: 0;
    padding-left: 22px;
}

.thank-you-next li {
    padding-left: 4px;
    color: var(--muted);
}

.thank-you-next strong {
    color: var(--text);
}

.thank-you-security {
    max-width: 720px;
    margin: 0 auto 24px;
    color: var(--muted);
    font-size: 0.88rem;
}

@media (max-width: 760px) {
    .staging-banner-inner {
        gap: 8px;
        padding: 7px 0;
    }

    .staging-state-switcher {
        width: 100%;
        justify-content: center;
    }

    .resource-warning-grid {
        grid-template-columns: 1fr;
    }

    .thank-you-card {
        padding: 30px 20px;
    }

    .thank-you-next {
        padding: 22px 20px;
    }
}

/* v13 flat-file content publishing layer */
.content-hero,
.content-article-header {
    padding: 72px 0 58px;
    background: linear-gradient(135deg, var(--blue-050), #ffffff 58%, var(--gold-100));
    border-bottom: 1px solid var(--line);
}

.content-hero-inner,
.content-article-header-inner {
    max-width: 900px;
}

.content-hero h1,
.content-article-header h1 {
    max-width: 900px;
    font-size: clamp(2.35rem, 5vw, 4.25rem);
}

.content-hero p:last-child,
.content-article-deck {
    max-width: 820px;
    color: var(--text);
    font-size: 1.12rem;
}

.content-breadcrumbs {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 28px;
    color: var(--muted);
    font-size: 0.9rem;
}

.content-breadcrumbs a {
    font-weight: 700;
    text-decoration: none;
}

.content-category-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 34px;
}

.content-category-nav a {
    padding: 8px 14px;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: var(--surface);
    font-size: 0.9rem;
    font-weight: 800;
    text-decoration: none;
}

.content-card-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 28px;
}

.content-card {
    overflow: hidden;
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    background: var(--surface);
    box-shadow: var(--shadow-sm);
}

.content-card-image {
    display: block;
    aspect-ratio: 1200 / 630;
    overflow: hidden;
    background: var(--surface-soft);
}

.content-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.content-card-body {
    padding: 26px;
}

.content-card-category {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--blue-700);
    font-size: 0.78rem;
    font-weight: 900;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.content-card h2 {
    font-size: 1.55rem;
}

.content-card h2 a,
.content-related-grid h3 a {
    color: var(--navy-900);
    text-decoration: none;
}

.content-card-meta {
    display: flex;
    justify-content: space-between;
    gap: 16px;
    margin-top: 22px;
    color: var(--muted);
    font-size: 0.9rem;
}

.content-card-meta a,
.content-read-link,
.content-return a {
    font-weight: 800;
}

.content-pagination {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 18px;
    margin-top: 42px;
}

.content-pagination a {
    padding: 9px 15px;
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    font-weight: 800;
    text-decoration: none;
}

.content-article-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 16px 28px;
    color: var(--muted);
    font-size: 0.92rem;
}

.content-article-layout {
    display: grid;
    grid-template-columns: minmax(0, 780px) minmax(250px, 1fr);
    gap: 54px;
    padding-top: 54px;
    padding-bottom: 72px;
}

.content-page-main {
    max-width: 880px;
    padding-top: 54px;
    padding-bottom: 72px;
}

.content-featured-image {
    overflow: hidden;
    margin: 0 0 38px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
}

.content-featured-image img {
    display: block;
    width: 100%;
}

.content-prose {
    color: var(--text);
    font-size: 1.04rem;
}

.content-prose h2 {
    margin-top: 44px;
    font-size: clamp(1.7rem, 3vw, 2.45rem);
}

.content-prose h3 {
    margin-top: 30px;
}

.content-prose ul,
.content-prose ol {
    margin: 0 0 24px;
    padding-left: 24px;
}

.content-prose li {
    margin-bottom: 8px;
}

.content-prose blockquote {
    margin: 30px 0;
    padding: 22px 26px;
    border-left: 4px solid var(--gold-500);
    background: var(--surface-soft);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

.content-primary-cta {
    margin-top: 46px;
    padding: 34px;
    border-radius: var(--radius-lg);
    color: #ffffff;
    background: var(--navy-900);
}

.content-primary-cta h2,
.content-primary-cta p {
    color: #ffffff;
}

.content-article-sidebar {
    align-self: start;
    position: sticky;
    top: 128px;
    display: grid;
    gap: 20px;
}

.content-sidebar-card {
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    background: var(--surface-soft);
}

.content-sidebar-card h2 {
    font-size: 1.25rem;
}

.content-sidebar-card a {
    font-weight: 800;
}

.content-related-section {
    background: var(--surface-soft);
}

.content-related-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.content-related-grid article {
    padding: 24px;
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    background: var(--surface);
}

.content-related-grid h3 {
    font-size: 1.15rem;
}

.content-return {
    margin-top: 34px;
    text-align: center;
}

@media (max-width: 900px) {
    .content-card-grid,
    .content-related-grid,
    .content-article-layout {
        grid-template-columns: 1fr;
    }

    .content-article-sidebar {
        position: static;
    }
}

@media (max-width: 600px) {
    .content-hero,
    .content-article-header {
        padding: 48px 0 40px;
    }

    .content-card-body,
    .content-primary-cta {
        padding: 22px;
    }

    .content-card-meta {
        align-items: flex-start;
        flex-direction: column;
    }
}

/* v55 cookie consent and privacy controls */
.footer-cookie-settings,
.inline-cookie-settings {
    appearance: none;
    padding: 0;
    color: inherit;
    background: transparent;
    border: 0;
    font: inherit;
    text-decoration: underline;
    text-underline-offset: 3px;
    cursor: pointer;
}

.footer-cookie-settings {
    color: #dceaf0;
    text-decoration: none;
}

.footer-cookie-settings:hover,
.footer-cookie-settings:focus,
.inline-cookie-settings:hover,
.inline-cookie-settings:focus {
    color: var(--gold-500);
}

.inline-cookie-settings {
    color: var(--blue-700);
}

.cookie-consent-banner {
    position: fixed;
    z-index: 1000;
    left: 18px;
    right: 18px;
    bottom: 18px;
    max-width: 1180px;
    margin-inline: auto;
    color: var(--text);
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
}

.cookie-consent-inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: center;
    gap: 26px;
    padding: 20px 22px;
}

.cookie-consent-copy strong {
    display: block;
    margin-bottom: 4px;
    color: var(--navy-900);
    font-size: 1.02rem;
}

.cookie-consent-copy p {
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.5;
}

.cookie-consent-copy .cookie-gpc-note {
    margin-top: 8px;
}

.cookie-consent-actions,
.cookie-preferences-actions {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 10px;
    flex-wrap: wrap;
}

.cookie-button {
    min-height: 44px;
    padding: 10px 16px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--navy-800);
    font: inherit;
    font-size: 0.88rem;
    font-weight: 800;
    cursor: pointer;
}

.cookie-button-primary {
    color: var(--surface);
    background: var(--navy-800);
}

.cookie-button-secondary {
    color: var(--navy-900);
    background: var(--surface);
}

.cookie-button:hover,
.cookie-button:focus {
    outline: 3px solid rgba(21, 151, 189, 0.22);
    outline-offset: 2px;
}

.cookie-preferences-overlay {
    position: fixed;
    z-index: 1010;
    inset: 0;
    display: grid;
    place-items: center;
    padding: 24px;
    background: rgba(6, 23, 34, 0.68);
}

.cookie-preferences-overlay[hidden],
.cookie-consent-banner[hidden] {
    display: none;
}

.cookie-preferences-card {
    width: min(100%, 720px);
    max-height: min(86vh, 760px);
    overflow: auto;
    padding: 28px;
    background: var(--surface);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.cookie-preferences-heading {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 20px;
}

.cookie-preferences-heading h2 {
    margin-bottom: 10px;
    font-size: clamp(1.75rem, 4vw, 2.35rem);
}

.cookie-close {
    width: 44px;
    height: 44px;
    flex: 0 0 44px;
    display: grid;
    place-items: center;
    color: var(--navy-900);
    background: var(--surface-soft);
    border: 1px solid var(--line);
    border-radius: 50%;
    font-size: 1.75rem;
    line-height: 1;
    cursor: pointer;
}

.cookie-preference-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 24px;
    align-items: center;
    padding: 20px 0;
    border-top: 1px solid var(--line);
}

.cookie-preference-row strong {
    color: var(--navy-900);
}

.cookie-preference-row p {
    margin: 5px 0 0;
    font-size: 0.9rem;
}

.cookie-switch-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    white-space: nowrap;
    color: var(--navy-900);
    font-weight: 800;
}

.cookie-switch-label input {
    width: 20px;
    height: 20px;
    accent-color: var(--blue-700);
}

.cookie-gpc-note {
    color: var(--navy-800);
    font-weight: 700;
}

.cookie-consent-status {
    min-height: 24px;
    margin: 8px 0;
    font-size: 0.9rem;
    font-weight: 700;
}

.cookie-consent-status.is-error {
    color: var(--danger);
}

.cookie-preferences-actions {
    margin-top: 10px;
    justify-content: space-between;
}

@media (max-width: 780px) {
    .cookie-consent-banner {
        left: 10px;
        right: 10px;
        bottom: 10px;
    }

    .cookie-consent-inner {
        grid-template-columns: 1fr;
        gap: 16px;
        padding: 18px;
    }

    .cookie-consent-actions {
        justify-content: stretch;
    }

    .cookie-consent-actions .cookie-button {
        flex: 1 1 160px;
    }

    .cookie-preferences-overlay {
        align-items: end;
        padding: 10px;
    }

    .cookie-preferences-card {
        width: 100%;
        max-height: 88vh;
        padding: 22px 18px;
        border-radius: var(--radius-lg) var(--radius-lg) 0 0;
    }

    .cookie-preference-row {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .cookie-preferences-actions {
        align-items: stretch;
        flex-direction: column;
    }

    .cookie-preferences-actions .cookie-button {
        width: 100%;
    }
}