/*
 * Understanding Bereavement — site stylesheet.
 *
 * Direction: quiet, gentle, unhurried. Slate-blue and sage on linen and stone,
 * deep slate text, Lora for headings and Source Sans 3 for reading. Soft rules
 * instead of boxes, generous whitespace, a comfortable reading measure, and no
 * loud colour anywhere: the one call to action on the commercial pages is a
 * muted slate, never a bright accent. A reader here may be grieving.
 *
 * Contrast (WCAG AA), checked against --linen #f6f3ec and --paper #fffdf8:
 *   --ink 11.9:1 · --slate-deep 9.0:1 · --slate 5.9:1 · --muted 5.6:1 ·
 *   --sage-deep 5.1:1 · white on --slate 6.5:1 · white on --slate-deep 9.9:1 ·
 *   white on --accent (#a5532f) 5.4:1.
 *   --sage (#7b9883) is decorative only (rules, hills), never text.
 *
 * The brand mark is inline SVG (partials/brand-mark) drawn from the same
 * geometry as tools/brand/make-logo.py.
 */
:root {
  --ink: #24323d;
  --slate: #46607a;
  --slate-deep: #2f4558;
  --mist: #e3e9ec;
  --sage: #7b9883;
  --sage-deep: #4f6e59;
  --sage-pale: #e5ece3;
  --linen: #f6f3ec;
  --stone: #ebe5d9;
  --paper: #fffdf8;
  --line: #d8d0c1;
  --line-soft: #e6dfd2;
  --muted: #56636d;
  --accent: #a5532f;        /* clay: buyer-page CTAs only (white on it 5.4:1) */
  --accent-deep: #8a4426;
  --serif: "Lora", Georgia, "Times New Roman", serif;
  --sans: "Source Sans 3", "Source Sans Pro", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --measure: 68ch;
  --radius: 6px;
}

/* ---------------------------------------------------------------- base --- */
html { scroll-behavior: smooth; scroll-padding-top: 24px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--linen); color: var(--ink); font-family: var(--sans); font-size: 18px; line-height: 1.7; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
h1, h2, h3, h4 { color: var(--slate-deep); font-family: var(--serif); font-weight: 500; letter-spacing: -.005em; line-height: 1.25; margin: 0 0 .6em; }
h1 { font-size: clamp(2rem, 4.2vw, 2.85rem); }
h2 { font-size: clamp(1.45rem, 2.6vw, 1.85rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1.15em; }
a { color: var(--slate); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: .18em; text-decoration-color: rgba(70, 96, 122, .45); transition: color .2s ease, text-decoration-color .2s ease; }
a:hover { color: var(--slate-deep); text-decoration-color: currentColor; }
img { max-width: 100%; height: auto; }
strong, b { font-weight: 600; }
code { color: var(--slate-deep); background: var(--stone); padding: 0 .25em; border-radius: 3px; font-size: .88em; overflow-wrap: anywhere; }
hr { border: 0; border-top: 1px solid var(--line-soft); margin: 2.5rem 0; }
::selection { background: var(--sage-pale); }
:focus-visible { outline: 2px solid var(--slate); outline-offset: 3px; border-radius: 2px; }
.wrap { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 760px; }
.skip-link { position: fixed; left: 16px; top: -80px; z-index: 9999; background: var(--paper); color: var(--slate-deep); padding: .6rem 1rem; border: 1px solid var(--line); border-radius: var(--radius); }
.skip-link:focus { top: 12px; }
.eyebrow { display: block; margin-bottom: .55rem; color: var(--sage-deep); font-family: var(--sans); font-size: .8rem; font-weight: 600; letter-spacing: .14em; line-height: 1.4; text-transform: uppercase; }
.lede { font-size: 1.15rem; color: var(--ink); max-width: var(--measure); }
.muted { color: var(--muted); }
.small-print { font-size: .9rem; color: var(--muted); }

/* Buttons. One shape only: a soft rectangle. "btn-coral" is the parent site's
   class for its quote CTAs; here it is a warm clay accent, used only on the buyer
   pages (guides, quote funnel, commercial chrome). Editorial pages use the muted
   slate "btn-calm". */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .45em; padding: .7em 1.35em; border: 1px solid transparent; border-radius: var(--radius); font-family: var(--sans); font-size: 1rem; font-weight: 600; line-height: 1.3; text-decoration: none; cursor: pointer; transition: background .2s ease, color .2s ease, border-color .2s ease; }
.btn-calm { background: var(--slate); color: #fff !important; }
.btn-calm:hover { background: var(--slate-deep); color: #fff; }
.btn-coral { background: var(--accent); color: #fff !important; }
.btn-coral:hover { background: var(--accent-deep); color: #fff; }
.btn-quiet, .btn-outline { background: transparent; border-color: var(--line); color: var(--slate-deep) !important; }
.btn-quiet:hover, .btn-outline:hover { border-color: var(--slate); background: var(--paper); }
.btn-lg { font-size: 1.05rem; padding: .8em 1.5em; }
.btn-block { display: flex; width: 100%; }
.btn[disabled] { opacity: .7; cursor: default; }
.text-link { font-weight: 600; }

/* ---------------------------------------------------------- letterhead --- */
/* A centred letterhead rather than a bar: name above, a hairline, a short
   row of words beneath. No hamburger — there are only a few places to go. */
.letterhead { background: var(--paper); border-bottom: 1px solid var(--line-soft); }
.letterhead-inner { display: flex; flex-direction: column; align-items: center; padding-top: 26px; padding-bottom: 14px; text-align: center; }
.brand { display: inline-flex; align-items: center; gap: 14px; color: var(--slate-deep); text-decoration: none; }
.brand:hover { color: var(--slate-deep); }
.brand-mark { width: 46px; height: 46px; flex: 0 0 auto; }
.brand-name { font-family: var(--serif); font-size: 1.55rem; font-weight: 400; letter-spacing: .005em; line-height: 1.15; text-align: left; }
.brand-name b { color: var(--sage-deep); font-weight: 600; }
.brand-line { margin: .55rem 0 0; color: var(--muted); font-size: .92rem; font-style: italic; font-family: var(--serif); }
.quiet-nav { border-top: 1px solid var(--line-soft); }
.quiet-nav ul { display: flex; justify-content: center; flex-wrap: wrap; gap: 4px 34px; margin: 0 auto; padding: 10px 24px 11px; list-style: none; }
.quiet-nav a { color: var(--ink); font-size: .98rem; text-decoration: none; padding: 4px 0; border-bottom: 1px solid transparent; }
.quiet-nav a:hover { color: var(--slate-deep); border-bottom-color: var(--sage); }
.quiet-nav a[aria-current] { color: var(--slate-deep); border-bottom-color: var(--slate); }

/* ------------------------------------------------------------- horizon --- */
/* The homepage opening: text first, a drawing of layered hills beside it. */
.horizon { padding: 72px 0 40px; }
.horizon-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .9fr); gap: 56px; align-items: center; }
.horizon h1 { font-size: clamp(2.1rem, 4.6vw, 3.1rem); margin-bottom: .55em; }
.horizon-copy .lede { font-size: 1.2rem; }
.horizon-links { display: flex; flex-wrap: wrap; gap: 14px 22px; align-items: center; margin-top: 1.6rem; }
.horizon-art svg { display: block; width: 100%; height: auto; }

/* --------------------------------------------------------------- bands --- */
.band { padding: 64px 0; }
.band + .band { border-top: 1px solid var(--line-soft); }
.band-stone { background: var(--stone); border-top: 0 !important; }
.band-paper { background: var(--paper); }
.band-head { max-width: 720px; margin-bottom: 2rem; }
.band-head p { color: var(--muted); }

/* Support signposting: plain, calm, never commercial. */
.support-note { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 40px; align-items: start; }
.support-note h2 { margin-bottom: .4em; }
.support-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.support-list li { padding: 14px 0; border-bottom: 1px solid var(--line); }
.support-list strong { display: block; color: var(--slate-deep); font-family: var(--serif); font-weight: 500; font-size: 1.08rem; }
.support-list span { color: var(--muted); font-size: .95rem; }

/* Index lists: entries separated by soft rules, not boxed cards. */
.index-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.index-list > li { border-bottom: 1px solid var(--line); }
.index-item { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px 24px; padding: 22px 4px; color: inherit; text-decoration: none; }
.index-item:hover { background: rgba(255, 253, 248, .7); color: inherit; }
.index-meta { grid-column: 1 / -1; color: var(--sage-deep); font-size: .8rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; }
.index-title { color: var(--slate-deep); font-family: var(--serif); font-size: 1.28rem; font-weight: 500; line-height: 1.35; }
.index-item:hover .index-title { text-decoration: underline; text-decoration-color: var(--sage); text-underline-offset: .2em; }
.index-desc { grid-column: 1; color: var(--muted); font-size: .98rem; }
.index-go { grid-row: 2; grid-column: 2; align-self: start; color: var(--slate); font-size: 1.1rem; }
.draft-tag { display: inline-block; margin-left: .4em; padding: 0 .45em; border: 1px dashed #8a6d3b; border-radius: 3px; color: #6f5527; font-size: .72rem; letter-spacing: .06em; }

/* Principles: a two-column definition list with a hairline above each pair. */
.principles { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px 48px; margin: 0; }
.principles > div { padding: 20px 0 6px; border-top: 1px solid var(--line); }
.principles dt { color: var(--slate-deep); font-family: var(--serif); font-size: 1.12rem; font-weight: 500; margin-bottom: .3rem; }
.principles dd { margin: 0; color: var(--ink); }

/* The people behind it. */
.owners { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 28px; align-items: start; max-width: 820px; }
.owners-monogram { width: 84px; height: 84px; }
.owners h2 { margin-bottom: .35em; }

/* --------------------------------------------------------- page heads --- */
.page-head { padding: 60px 0 36px; }
.page-head .lede { margin-bottom: 0; }
.page-head > .wrap::after { content: ""; display: block; grid-column: 1 / -1; width: 72px; height: 1px; margin-top: 32px; background: var(--sage); }
.prose { max-width: var(--measure); }
.prose h2 { margin-top: 2.2rem; }
.prose h3 { margin-top: 1.6rem; }
.prose ul, .prose ol { padding-left: 1.3rem; margin: 0 0 1.2em; }
.prose li { margin-bottom: .45rem; }
.page-body { padding: 8px 0 72px; }
.updated-note { color: var(--muted); font-size: .92rem; }
.note-panel { margin: 1.8rem 0; padding: 4px 0 4px 20px; border-left: 2px solid var(--sage); }
.note-panel p:last-child { margin-bottom: 0; }
.draft-note { margin: 0 0 1.6rem; padding: 12px 16px; border: 1px dashed #b39a6a; border-radius: var(--radius); background: #fbf6ea; color: #5f4a22; font-size: .95rem; }
.draft-note code { color: inherit; }

/* Breadcrumbs, quietly. */
.crumbs ol { display: flex; flex-wrap: wrap; gap: 4px 0; margin: 0 0 1.4rem; padding: 0; list-style: none; font-size: .9rem; color: var(--muted); }
.crumbs li + li::before { content: "/"; margin: 0 .55em; color: var(--line); }
.crumbs a { color: var(--muted); }
.crumbs [aria-current] { color: var(--ink); }

/* ------------------------------------------------------------ research --- */
.library-head { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: 48px; align-items: end; }
.library-aside { padding-left: 20px; border-left: 2px solid var(--sage); color: var(--muted); font-size: .96rem; }
.library-aside strong { display: block; color: var(--slate-deep); font-family: var(--serif); font-weight: 500; font-size: 1.05rem; }
.library-intro { max-width: var(--measure); font-size: 1.08rem; margin-bottom: 2rem; }
.group-title { margin: 2.6rem 0 .9rem; font-size: 1.35rem; }
.group-title small { display: block; color: var(--sage-deep); font-family: var(--sans); font-size: .78rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; }
.library-about { max-width: var(--measure); margin-top: 3rem; padding-top: 1.4rem; border-top: 1px solid var(--line); color: var(--muted); font-size: .97rem; }
.library-about strong { color: var(--slate-deep); }
.empty-note { max-width: var(--measure); color: var(--muted); }

.study { padding: 48px 0 80px; }
.study-wrap { max-width: 800px; }
.study-head { margin-bottom: 1.8rem; }
.study-dates { color: var(--muted); font-size: .92rem; margin: 0; }
.key-findings { margin: 0 0 2rem; padding: 18px 22px; background: var(--paper); border-top: 2px solid var(--sage); }
.key-findings h2 { font-size: 1.05rem; font-family: var(--sans); font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--sage-deep); margin-bottom: .6rem; }
.key-findings ul { margin: 0; padding-left: 1.15rem; }
.key-findings li { margin-bottom: .4rem; }
.research-body { font-size: 1.04rem; }
.research-body .rf h2 { font-family: var(--serif); font-weight: 500; }
.research-body .rf h3 { font-family: var(--serif); font-weight: 500; }
.related { margin-top: 3rem; padding-top: 1.4rem; border-top: 1px solid var(--line); }
.related h2 { font-size: 1.2rem; }
.related .index-item { padding: 14px 4px; }
.related .index-title { font-size: 1.08rem; }
.study-sources { margin-top: 2rem; padding-top: 1rem; border-top: 1px solid var(--line); font-size: .95rem; }

.byline { display: grid; grid-template-columns: 64px minmax(0, 1fr); gap: 18px; align-items: start; margin-top: 3rem; padding-top: 1.6rem; border-top: 1px solid var(--line); }
.byline img, .byline svg { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; }
.byline p { margin: .25rem 0 0; color: var(--muted); font-size: .97rem; }
.byline strong { color: var(--slate-deep); }

/* ------------------------------------------------------- enquiry page --- */
.enquiry { padding: 56px 0 40px; }
.enquiry-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 470px); gap: 56px; align-items: start; }
.enquiry-steps { margin: 1.6rem 0; padding: 0; list-style: none; counter-reset: step; }
.enquiry-steps li { position: relative; padding: 0 0 1rem 2.6rem; counter-increment: step; }
.enquiry-steps li::before { content: counter(step); position: absolute; left: 0; top: .1rem; width: 1.75rem; height: 1.75rem; border: 1px solid var(--sage); border-radius: 50%; color: var(--sage-deep); font-family: var(--serif); font-size: .95rem; line-height: 1.65rem; text-align: center; }
.enquiry-small { color: var(--muted); font-size: .95rem; max-width: var(--measure); }
.ask-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 48px; margin: 0; padding: 0; list-style: none; }
.ask-list li { padding: 18px 0; border-top: 1px solid var(--line); }
.ask-list h3 { margin-bottom: .3rem; font-size: 1.1rem; }
.ask-list p { margin: 0; color: var(--muted); }

/* ------------------------------------------------------- the form ------ */
.quote-card { background: var(--paper); border: 1px solid var(--line-soft); border-radius: 8px; padding: 26px 26px 22px; }
.quote-card-compact { padding: 20px; }
.quote-card-head h2 { font-size: 1.45rem; margin-bottom: .3em; }
.quote-card-head p { color: var(--muted); font-size: .97rem; }
.quote-card .eyebrow { margin-bottom: .35rem; }
.quote-progress { margin: 4px 0 18px; }
.quote-progress-track { height: 2px; background: var(--line-soft); margin-bottom: 10px; }
.quote-progress-track span { display: block; height: 100%; width: 0; background: var(--sage); transition: width .4s ease; }
.quote-progress ol { display: flex; justify-content: space-between; margin: 0; padding: 0; list-style: none; }
.quote-progress li { display: flex; align-items: center; gap: 6px; color: var(--muted); font-size: .85rem; }
.quote-progress li span { display: inline-block; width: 1.5rem; height: 1.5rem; border: 1px solid var(--line); border-radius: 50%; font-size: .78rem; line-height: 1.4rem; text-align: center; }
.quote-progress li.is-active { color: var(--slate-deep); }
.quote-progress li.is-active span { border-color: var(--slate); color: var(--slate-deep); }
.quote-progress li.is-complete span { background: var(--sage-pale); border-color: var(--sage); color: var(--sage-deep); }
.quote-alert { margin: 0 0 14px; padding: 10px 14px; border: 1px solid #c9a99a; border-radius: var(--radius); background: #f8ece6; color: #6b3424; font-size: .95rem; }
.quote-step { padding-top: 4px; }
.quote-step h3 { font-size: 1.15rem; margin-bottom: .8rem; }
.quote-step-kicker { display: block; margin-bottom: .3rem; color: var(--sage-deep); font-size: .78rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; }
.quote-form fieldset { border: 0; margin: 0; padding: 0; }
.pill-group { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; margin-bottom: 14px; }
.pill { position: relative; display: flex; align-items: center; min-height: 52px; margin: 0; padding: 10px 14px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); color: var(--ink); font-size: .97rem; line-height: 1.3; cursor: pointer; transition: border-color .2s ease, background .2s ease; }
.pill:hover { border-color: var(--slate); }
.pill input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.pill.selected { border-color: var(--slate); background: var(--mist); color: var(--slate-deep); }
.pill:focus-within { outline: 2px solid var(--slate); outline-offset: 2px; }
.form-group { margin-bottom: 14px; }
.form-row { display: flex; flex-wrap: wrap; margin: 0 -7px; }
.form-row > .form-group { padding: 0 7px; }
.quote-label { display: block; margin-bottom: 4px; color: var(--slate-deep); font-size: .95rem; font-weight: 600; }
.optional { color: var(--muted); font-size: .82rem; font-weight: 400; margin-left: .3em; }
.form-control { display: block; width: 100%; height: auto; padding: .6rem .75rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; color: var(--ink); font-family: var(--sans); font-size: 1rem; line-height: 1.4; }
.form-control:focus { border-color: var(--slate); box-shadow: 0 0 0 3px rgba(70, 96, 122, .18); outline: 0; }
.has-error .form-control, .has-error .pill { border-color: #a5584a; }
.field-error, .client-error { margin-top: 5px; color: #8f3b2c; font-size: .88rem; }
.quote-step-actions { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 6px; }
.quote-step-back { padding: .4em 0; border: 0; background: none; color: var(--muted); font-family: var(--sans); font-size: .95rem; cursor: pointer; text-decoration: underline; text-underline-offset: .18em; }
.quote-step-back-final { display: block; margin: 8px auto 0; }
.quote-step-assurance, .quote-why-phone { margin: 10px 0 0; color: var(--muted); font-size: .9rem; }
.quote-why-phone { margin: 0 0 12px; }
.quote-persuade { margin: 0 0 14px; padding: 12px 16px; border-left: 2px solid var(--sage); background: var(--sage-pale); font-size: .93rem; }
.quote-persuade ul { margin: .4rem 0; padding-left: 1.1rem; }
.quote-persuade li { margin-bottom: .3rem; }
.quote-persuade p { margin: 0; }
.consent-group { margin-top: 14px; }
.consent { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 10px; align-items: start; color: var(--muted); font-size: .85rem; font-weight: 400; line-height: 1.5; }
.consent input { margin-top: .25rem; }
.trust-line { display: flex; flex-wrap: wrap; gap: 4px 16px; margin: 12px 0 0; color: var(--muted); font-size: .85rem; }
.quote-searching-panel { padding: 28px 8px; text-align: center; }
.quote-search-spinner { width: 34px; height: 34px; margin: 0 auto 12px; border: 2px solid var(--line-soft); border-top-color: var(--sage); border-radius: 50%; animation: ub-spin 1.2s linear infinite; }
.quote-searching-panel.is-ready .quote-search-spinner { animation: none; border-color: var(--sage); }
.quote-search-lines { display: none; }
@keyframes ub-spin { to { transform: rotate(360deg); } }
.hp-field { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.sticky-quote-note { margin: 10px 2px 0; color: var(--muted); font-size: .85rem; }

/* --------------------------------------------------------- the guides --- */
.guide-head { padding: 52px 0 28px; }
.guide-meta { display: flex; flex-wrap: wrap; gap: 4px 20px; color: var(--muted); font-size: .92rem; }
.guide-deck { font-size: 1.15rem; max-width: var(--measure); }
.guide-layout { display: grid; grid-template-columns: minmax(0, 1fr) 380px; gap: 56px; align-items: start; padding-bottom: 72px; }
.article-sidebar .sticky-quote { position: sticky; top: 20px; }
.article-toc { margin: 0 0 2rem; padding: 14px 0 6px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.article-toc h2 { font-size: 1.05rem; margin-bottom: .4rem; }
.article-toc ol { margin: 0 0 .6rem; padding-left: 1.2rem; font-size: .95rem; }
.article-body { max-width: var(--measure); }
.article-body h2 { margin-top: 2.2rem; }
.article-body table { width: 100%; margin: 1rem 0 1.6rem; border-collapse: collapse; font-size: .95rem; }
.article-body th, .article-body td { padding: 8px 10px; border-bottom: 1px solid var(--line-soft); text-align: left; vertical-align: top; }
.article-body th { color: var(--slate-deep); }
.article-end-note { margin: 2.6rem 0 1.4rem; padding: 18px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.article-end-note h2 { font-size: 1.25rem; }
.article-disclaimer { color: var(--muted); font-size: .9rem; }
.related-guides { margin-top: 2.4rem; }
.related-guides h2 { font-size: 1.2rem; }
.reading-progress { position: fixed; left: 0; top: 0; z-index: 50; width: 100%; height: 2px; }
.reading-progress span { display: block; width: 0; height: 100%; background: var(--sage); }
.cluster-toolbar { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 16px 32px; margin-bottom: 1rem; }
.guide-search { display: grid; gap: 4px; min-width: min(100%, 320px); color: var(--muted); font-size: .9rem; }
.guide-search input { padding: .55rem .75rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; font: inherit; color: var(--ink); }
.filter-status { color: var(--muted); font-size: .9rem; min-height: 1.2em; }
.inline-topics { display: flex; flex-wrap: wrap; gap: 6px 22px; margin: 0; padding: 0; list-style: none; }

/* Closing CTA band (pages without no_cta_band; never home/about/contact/research). */
.cta-band { padding: 48px 0; background: var(--paper); border-top: 1px solid var(--line-soft); }
.cta-band-inner { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px 48px; align-items: center; }
.cta-band h2 { font-size: 1.4rem; margin-bottom: .35em; }
.cta-band p { margin: 0; color: var(--muted); max-width: 60ch; }
.cta-band small { display: block; margin-top: 6px; color: var(--muted); font-size: .85rem; }

/* -------------------------------------------------------------- errors --- */
.error-panel { padding: 88px 0 96px; text-align: center; }
.error-panel .lede { margin: 0 auto 1.6rem; }
.error-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }
.error-links { margin-top: 1.6rem; color: var(--muted); }

/* ------------------------------------------------------------- footer --- */
.site-foot { margin-top: 0; color: var(--ink); }
.hills-edge { display: block; width: 100%; height: 90px; }
.foot-body { background: var(--stone); padding: 26px 0 40px; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, .8fr)); gap: 32px 48px; }
.foot-brand .brand-name { font-size: 1.3rem; }
.foot-brand .brand-mark { width: 38px; height: 38px; }
.foot-brand p { margin: .9rem 0 0; color: var(--muted); font-size: .95rem; max-width: 42ch; }
.foot-col h2 { margin: 0 0 .6rem; font-family: var(--sans); font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--sage-deep); }
.foot-col ul { margin: 0; padding: 0; list-style: none; }
.foot-col li { margin-bottom: .35rem; }
.foot-col a { color: var(--ink); text-decoration: none; font-size: .97rem; }
.foot-col a:hover { color: var(--slate-deep); text-decoration: underline; }
.foot-disclosure { margin-top: 32px; padding-top: 22px; border-top: 1px solid var(--line); }
.foot-disclosure h2 { font-family: var(--sans); font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--sage-deep); margin-bottom: .5rem; }
.foot-disclosure p { max-width: 88ch; color: var(--ink); font-size: .92rem; line-height: 1.65; }
.foot-legal { color: var(--muted); font-size: .85rem; margin: 0; }

/* ------------------------------------------- commercial chrome (buyer pages) --- */
/* The parent site's commercial surface, in this design: nav CTA, assurance bar,
   global quote rail, fixed mobile bar, footer quote block, exit-intent modal,
   inline and end-of-guide CTAs. Rendered only where the layout's flags allow. */
.quiet-nav .nav-cta a { padding: 5px 14px; border: 0; border-radius: var(--radius); background: var(--accent); color: #fff; font-weight: 600; }
.quiet-nav .nav-cta a:hover { background: var(--accent-deep); color: #fff; border: 0; }
.assurance-bar { background: var(--slate-deep); color: #e3e9ec; font-size: .82rem; }
.assurance-items { display: flex; justify-content: center; flex-wrap: wrap; gap: 4px 28px; padding-top: 6px; padding-bottom: 6px; }
.assurance-items span { white-space: nowrap; }
.assurance-items i { margin-right: 4px; color: #b9c8bd; font-style: normal; }
.global-quote-rail { display: none; }
@media (min-width: 1320px) {
  body.has-global-quote-rail #main-content, body.has-global-quote-rail .cta-band { padding-right: 420px; }
  .global-quote-rail { position: fixed; top: 222px; right: 18px; z-index: 1020; display: block; width: 386px; max-height: calc(100vh - 238px); overflow-y: auto; overscroll-behavior: contain; scrollbar-width: thin; }
  .global-quote-rail .quote-card { box-shadow: 0 18px 50px rgba(36, 50, 61, .14); }
  .global-quote-rail .form-row { display: block; margin: 0; }
  .global-quote-rail .form-row > [class*="col-"] { max-width: 100%; padding: 0; }
}
.sticky-quote .form-row { display: block; margin: 0; }
.sticky-quote .form-row > [class*="col-"] { max-width: 100%; padding: 0; }
.sticky-quote .quote-card { box-shadow: 0 18px 50px rgba(36, 50, 61, .12); }
.footer-action p { color: var(--muted); font-size: .95rem; }
.footer-action .btn { margin-top: 4px; }
.foot-grid-commercial { grid-template-columns: minmax(0, 1.3fr) repeat(3, minmax(0, .8fr)); }
.guide-hero-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 16px; margin-top: 1.4rem; }
.guide-hero-cta-note { color: var(--muted); font-size: .92rem; max-width: 34ch; }
.article-intro-bar { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 1.4rem; }
.article-intro-bar span { padding: 3px 10px; border: 1px solid var(--line); border-radius: 999px; color: var(--sage-deep); font-size: .8rem; font-weight: 600; }
.cta-inline { margin: 2.4rem 0; padding: 22px 24px; background: var(--slate-deep); border-radius: 8px; color: #e3e9ec; }
.cta-inline .eyebrow { color: #b9c8bd; }
.cta-inline h3 { color: #fff; font-size: 1.35rem; margin-bottom: .5rem; }
.cta-inline p { font-size: .97rem; }
.cta-inline small { display: block; margin-top: 10px; color: #c9d3d9; font-size: .82rem; }
.article-end-cta { margin: 2.6rem 0 1.4rem; padding: 24px; background: var(--paper); border-top: 2px solid var(--accent); }
.article-end-cta h2 { font-size: 1.4rem; }
.article-end-cta p { color: var(--muted); }
.cta-band-action small { display: block; margin-top: 6px; }
.quote-persuade-lead { margin-bottom: .3rem !important; }
.quote-persuade-foot { margin-top: .4rem !important; color: var(--muted); font-size: .88rem; }
.exit-modal[hidden] { display: none !important; }
.exit-modal { position: fixed; inset: 0; z-index: 3000; display: grid; padding: 28px; place-items: center; }
.exit-modal-backdrop { position: absolute; inset: 0; background: rgba(36, 50, 61, .72); }
.exit-modal-dialog { position: relative; z-index: 1; display: grid; grid-template-columns: .85fr 1.15fr; width: min(960px, 100%); max-height: calc(100vh - 56px); overflow: auto; background: var(--paper); border-radius: 10px; box-shadow: 0 30px 90px rgba(20, 30, 38, .35); }
.exit-modal-copy { display: flex; flex-direction: column; justify-content: center; padding: 40px 32px; background: var(--slate-deep); border-radius: 10px 0 0 10px; color: #e3e9ec; }
.exit-modal-copy .eyebrow { color: #b9c8bd; }
.exit-modal-copy h2 { color: #fff; font-size: 2rem; }
.exit-modal-copy ul { margin: .5rem 0 0; padding: 0; list-style: none; }
.exit-modal-copy li { position: relative; margin: .6rem 0; padding-left: 1.5rem; font-size: .95rem; }
.exit-modal-copy li::before { position: absolute; left: 0; color: #b9c8bd; content: "✓"; }
.exit-modal-form { padding: 14px; }
.exit-modal-form .quote-card { border: 0; }
.exit-modal-close { position: absolute; top: 10px; right: 12px; z-index: 4; width: 36px; height: 36px; padding: 0; background: var(--stone); border: 0; border-radius: 50%; color: var(--slate-deep); cursor: pointer; font-size: 1.5rem; line-height: 1; }
.exit-modal-open { overflow: hidden; }
.mobile-quote-bar { display: none; }
@media (max-width: 991.98px) {
  .mobile-quote-bar { display: flex; align-items: center; justify-content: space-between; gap: 12px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 1030; padding: 10px 16px calc(10px + env(safe-area-inset-bottom, 0px)); background: var(--slate-deep); color: #fff; text-decoration: none; border-top: 2px solid var(--accent); box-shadow: 0 -6px 20px rgba(20, 30, 38, .2); }
  .mobile-quote-bar:hover { color: #fff; }
  .mobile-quote-bar-text { display: flex; flex-direction: column; line-height: 1.25; }
  .mobile-quote-bar-text strong { color: #fff; font-size: 1rem; }
  .mobile-quote-bar-text small { color: #c9d3d9; font-size: .8rem; }
  .mobile-quote-bar-btn { flex: none; padding: 8px 16px; background: var(--accent); border-radius: var(--radius); color: #fff; font-weight: 600; white-space: nowrap; }
  body:not(.no-mobile-cta) { padding-bottom: 4.75rem; }
  .exit-modal { display: none !important; }
}
body.no-mobile-cta .mobile-quote-bar { display: none; }

/* ---------------------------------------------------------- responsive --- */
@media (max-width: 960px) {
  .horizon-grid, .support-note, .library-head, .enquiry-grid, .guide-layout { grid-template-columns: minmax(0, 1fr); gap: 32px; }
  .horizon-art { max-width: 460px; }
  .foot-grid, .foot-grid-commercial { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .foot-brand, .footer-action { grid-column: 1 / -1; }
  .article-sidebar .sticky-quote { position: static; }
  .cta-band-inner { grid-template-columns: minmax(0, 1fr); }
}
@media (max-width: 640px) {
  body { font-size: 17px; }
  .wrap { padding: 0 16px; }
  .letterhead-inner { padding-top: 18px; }
  .brand { gap: 10px; }
  .brand-mark { width: 38px; height: 38px; }
  .brand-name { font-size: 1.25rem; }
  .brand-line { display: none; }
  .quiet-nav ul { gap: 2px 22px; padding: 8px 16px 9px; }
  .horizon { padding: 44px 0 24px; }
  .band { padding: 44px 0; }
  .page-head { padding: 40px 0 26px; }
  .principles, .ask-list { grid-template-columns: minmax(0, 1fr); }
  .pill-group { grid-template-columns: minmax(0, 1fr); }
  .owners { grid-template-columns: minmax(0, 1fr); }
  .index-item { grid-template-columns: minmax(0, 1fr); }
  .index-go { display: none; }
  .foot-grid, .foot-grid-commercial { grid-template-columns: minmax(0, 1fr); }
  .assurance-items span:nth-child(2) { display: none; }
  .exit-modal-dialog { grid-template-columns: minmax(0, 1fr); }
  .hills-edge { height: 56px; }
  .quote-card { padding: 20px 16px; }
  .form-row { display: block; margin: 0; }
  .form-row > .form-group { padding: 0; }
}