/* Shmor site kit: default theme. Replace freely; each site has its own design.
   Change the variables first; class names are what tools/build.js outputs. */
:root {
  color-scheme: dark;
  --accent: #7644B0;
  --accent-2: #2FAF82;
  --bg: #0A0C0E;
  --surface: #121518;
  --surface-2: #191D21;
  --line: #23282C;
  --ink: #F3F4F5;
  --ink-2: #B4BABE;
  --ink-3: #868D92;
  --radius: 18px;
  --display: "Outfit", system-ui, sans-serif;
  --font: "Inter", system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 16px/1.65 var(--font); -webkit-font-smoothing: antialiased; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--display); line-height: 1.12; letter-spacing: -.02em; margin: 0; }
.wrap { max-width: 1160px; margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; } .skip:focus { left: 8px; top: 8px; background: #fff; color: #000; padding: 8px 12px; z-index: 99; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: color-mix(in srgb, var(--bg) 85%, transparent); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line); }
.bar { display: flex; align-items: center; justify-content: space-between; height: 70px; gap: 20px; }
.brand { font: 700 24px var(--display); text-decoration: none; letter-spacing: -.03em; }
.nav { display: flex; gap: 24px; }
.nav a { text-decoration: none; color: var(--ink-2); font-size: 15px; font-weight: 500; white-space: nowrap; }
.nav a:hover { color: var(--ink); }
.menu { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 5px 0; border-radius: 2px; }
@media (max-width: 860px) {
  .menu { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 70px; flex-direction: column; gap: 0; background: var(--surface); border-bottom: 1px solid var(--line); padding: 8px 20px 16px; }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }
}

/* Hero */
.hero { padding: 72px 0 64px; position: relative; overflow: hidden; }
.hero-home { padding: 96px 0 88px; }
.eyebrow { font: 600 13px var(--display); letter-spacing: .14em; text-transform: uppercase; color: var(--accent-2); margin: 0 0 14px; }
.hero h1 { font-size: clamp(36px, 6vw, 68px); letter-spacing: -.04em; max-width: 900px; }
.hero-page h1 { font-size: clamp(32px, 4.6vw, 52px); }
.lede { color: var(--ink-2); font-size: 19px; max-width: 720px; margin: 18px 0 0; }
.search { display: flex; align-items: center; gap: 10px; max-width: 700px; margin-top: 30px; background: var(--surface); border: 1px solid var(--line); border-radius: 999px; padding: 6px 6px 6px 18px; }
.search svg { color: var(--ink-3); flex: 0 0 auto; }
.search input { flex: 1; min-width: 0; background: transparent; border: 0; outline: 0; color: var(--ink); font: inherit; font-size: 16px; padding: 10px 0; }
.search button { font: 600 15px var(--display); background: var(--accent); color: #fff; border: 0; border-radius: 999px; padding: 12px 24px; cursor: pointer; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.chips a { text-decoration: none; font-size: 14px; color: var(--ink-2); border: 1px solid var(--line); border-radius: 999px; padding: 7px 14px; }
.chips a:hover { color: var(--ink); border-color: var(--accent); }

/* Breadcrumbs */
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 18px 0 0; margin: 0; font-size: 14px; color: var(--ink-3); }
.crumbs li + li::before { content: "›"; margin-right: 6px; }
.crumbs a { text-decoration: none; } .crumbs a:hover { color: var(--ink); }

/* Sections */
section h2 { font-size: clamp(26px, 3.4vw, 36px); margin-bottom: 24px; }
.highlights, .partners, .faq, .related, .cta-band { padding: 56px 0; }
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 16px; }
.tile, .card, .offer { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.tile-ico { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: color-mix(in srgb, var(--accent) 18%, transparent); font-size: 22px; margin-bottom: 14px; }
.tile h3, .card h3, .offer h3 { font-size: 19px; margin-bottom: 6px; }
.tile p, .card p { color: var(--ink-2); margin: 0; font-size: 15px; }
.card, .offer { text-decoration: none; display: flex; flex-direction: column; gap: 6px; transition: transform .2s, border-color .2s; }
.card:hover, .offer:hover { transform: translateY(-3px); border-color: var(--accent); }
.cta { margin-top: auto; padding-top: 10px; font: 600 15px var(--display); color: var(--accent-2); }
.merchant { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-3); }
.badge { align-self: flex-start; font-size: 12px; font-weight: 600; background: var(--accent-2); color: #04150F; padding: 3px 10px; border-radius: 999px; }
.offer small { color: var(--ink-3); }
.aff-note { color: var(--ink-3); font-size: 13px; margin-top: 16px; }

/* Article */
.content { padding: 40px 0 24px; }
.content-grid { display: grid; grid-template-columns: 240px 1fr; gap: 56px; align-items: start; }
.content-grid:not(:has(.toc)) { grid-template-columns: 1fr; }
.toc { position: sticky; top: 96px; font-size: 14px; border-left: 2px solid var(--line); padding-left: 16px; }
.toc p { font: 600 13px var(--display); letter-spacing: .1em; text-transform: uppercase; color: var(--ink-3); margin: 0 0 10px; }
.toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.toc a { text-decoration: none; color: var(--ink-2); } .toc a:hover { color: var(--ink); }
.prose { max-width: 760px; color: var(--ink-2); font-size: 17px; }
.prose h2 { color: var(--ink); font-size: 28px; margin: 40px 0 12px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { color: var(--ink); font-size: 20px; margin: 24px 0 8px; }
.prose strong { color: var(--ink); }
.prose a { color: var(--accent-2); }
.prose li { margin-bottom: 6px; }
.updated { font-size: 14px; color: var(--ink-3); margin-top: 32px; }
@media (max-width: 900px) { .content-grid { grid-template-columns: 1fr; } .toc { position: static; } }

/* FAQ */
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; margin-bottom: 10px; }
.faq summary { cursor: pointer; padding: 18px 20px; font: 600 17px var(--display); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--accent-2); font-size: 22px; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details > div { padding: 0 20px 18px; color: var(--ink-2); }

/* CTA band */
.cta-band .wrap { background: var(--surface); border: 1px solid var(--line); border-radius: 24px; padding: 40px; text-align: center; }
.cta-band .search { margin: 0 auto; }
.empty { color: var(--ink-2); grid-column: 1 / -1; }

/* Footer */
.site-footer { border-top: 1px solid var(--line); padding: 56px 0 32px; color: var(--ink-3); font-size: 14px; margin-top: 40px; }
.foot-cols { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 32px; }
.foot-cols h4 { color: var(--ink); font-size: 15px; margin-bottom: 12px; }
.foot-cols ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.foot-cols a { text-decoration: none; } .foot-cols a:hover { color: var(--ink); }
.disclosure { border-top: 1px solid var(--line); margin-top: 36px; padding-top: 20px; font-size: 13px; }
@media (max-width: 760px) { .foot-cols { grid-template-columns: 1fr 1fr; } }

/* Photos (a page's "image"): full-bleed hero photo with a dark overlay, photo on top of cards */
.hero.has-img { isolation: isolate; }
.hero-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.hero.has-img::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(0,0,0,.55), rgba(0,0,0,.3) 60%, rgba(0,0,0,.5)); }
.hero.has-img h1, .hero.has-img .lede, .hero.has-img .eyebrow { color: #fff; }
.photo-credit { position: absolute; right: 14px; bottom: 8px; margin: 0; font-size: 11px; color: rgba(255,255,255,.75); z-index: 1; }
.photo-credit a { color: inherit; }
.card-img { display: block; width: calc(100% + 44px); max-width: none; height: auto; aspect-ratio: 5 / 3; object-fit: cover; margin: -22px -22px 12px; }

/* Blog: post meta, byline, sources */
.post-meta { font-size: 13px; color: var(--ink-3); }
.post-byline { font-size: 14px; color: var(--ink-3); margin: 14px 0 0; }
.hero.has-img .post-byline { color: rgba(255,255,255,.85); }
.sources { padding: 8px 0 40px; }
.sources h2 { font-size: 20px; margin-bottom: 10px; }
.sources ul { margin: 0; padding-left: 20px; color: var(--ink-2); }
.sources a { color: var(--accent-2); }
.more-link { margin: 18px 0 0; font-weight: 600; } .more-link a { color: var(--accent-2); }

/* Blocks (page "blocks": strip, deals, tiles, steps, links) */
.blocks { padding: 48px 0; }
.block-head { display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px 18px; margin-bottom: 22px; }
.block-head h2 { margin: 0; flex: 1 1 auto; }
.block-head p { flex: 1 1 100%; order: 3; margin: 0; color: var(--ink-2); max-width: 720px; }
.block-more { font-weight: 600; color: var(--accent); text-decoration: none; white-space: nowrap; }
.ico { flex: 0 0 auto; }
.blocks-strip { padding: 18px 0; border-bottom: 1px solid var(--line); }
.strip-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 12px 24px; }
.strip-list li { display: flex; gap: 10px; align-items: center; font-size: 14.5px; color: var(--ink-2); }
.strip-list .ico { color: var(--accent); }
.strip-list strong { color: var(--ink); }
.deal-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 16px; }
.deal { display: flex; flex-direction: column; gap: 6px; padding: 20px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); text-decoration: none; color: inherit; transition: transform .2s, border-color .2s; }
.deal:hover { transform: translateY(-2px); border-color: var(--accent); }
.deal-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 6px; }
.deal-top .ico { width: 40px; height: 40px; padding: 9px; border-radius: 12px; background: var(--surface-2); color: var(--accent); }
.deal-badge { font-size: 12px; font-weight: 700; padding: 3px 9px; border-radius: 999px; background: var(--accent); color: #fff; }
.deal h3 { font-size: 18px; margin: 0; }
.deal p { margin: 0; color: var(--ink-2); font-size: 14.5px; flex: 1; }
.tiles { display: grid; grid-template-columns: repeat(4, 1fr); grid-auto-rows: 210px; gap: 14px; }
.tile-photo { position: relative; overflow: hidden; border-radius: var(--radius); color: #fff; text-decoration: none; isolation: isolate; background: var(--surface-2); }
.tile-photo .card-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; margin: 0; transition: transform .4s; z-index: -2; }
.tile-photo:hover .card-img { transform: scale(1.05); }
.tile-shade { position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(0,0,0,0) 35%, rgba(0,0,0,.75) 100%); }
.tile-body { position: absolute; left: 0; right: 0; bottom: 0; padding: 16px; }
.tile-body h3 { font-size: 20px; margin: 0; }
.tile-body p { margin: 4px 0 0; font-size: 13.5px; opacity: .9; }
.tile-badge { display: inline-block; font-size: 11.5px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; padding: 3px 8px; border-radius: 6px; background: rgba(255,255,255,.18); backdrop-filter: blur(6px); margin-bottom: 8px; }
.tile-feature { grid-column: span 2; grid-row: span 2; }
.tile-feature .tile-body h3 { font-size: 28px; }
@media (max-width: 900px) { .tiles { grid-template-columns: repeat(2, 1fr); grid-auto-rows: 180px; } }
@media (max-width: 520px) { .tiles { grid-auto-rows: 150px; gap: 10px; } .tile-feature { grid-row: span 1; } .tile-feature .tile-body h3 { font-size: 22px; } .tile-body { padding: 12px; } .tile-body h3 { font-size: 17px; } }
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 18px; counter-reset: step; }
.steps li { position: relative; padding: 22px 20px 20px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); counter-increment: step; }
.steps li::before { content: counter(step); position: absolute; top: 18px; right: 18px; font: 700 34px var(--display); color: var(--line); }
.steps .ico { color: var(--accent); margin-bottom: 10px; }
.steps h3 { font-size: 18px; margin: 0 0 6px; }
.steps p { margin: 0; color: var(--ink-2); font-size: 14.5px; }
.pill-links { display: flex; flex-wrap: wrap; gap: 10px; }
.pill { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border: 1px solid var(--line); border-radius: 999px; text-decoration: none; color: var(--ink); font-weight: 600; font-size: 14.5px; background: var(--surface); }
.pill .ico { width: 16px; height: 16px; color: var(--accent); }
.pill:hover { border-color: var(--accent); color: var(--accent); }

/* Bylines (seo.bylines) and people profiles ("people" block) */
.byline { border-bottom: 1px solid var(--line); background: var(--surface); }
.byline .wrap { display: flex; align-items: center; gap: 10px; padding-top: 12px; padding-bottom: 12px; }
.byline .ico { width: 18px; height: 18px; color: var(--accent); }
.byline p { margin: 0; font-size: 14px; color: var(--ink-2); }
.byline a { color: var(--accent-2); }
.people { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); }
.person { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; scroll-margin-top: 100px; }
.person-img { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; margin-bottom: 12px; }
.person h3 { font-size: 19px; margin: 0 0 4px; }
.person p { margin: 6px 0 0; font-size: 14.5px; color: var(--ink-2); }
.person-role { font-weight: 600; color: var(--ink) !important; }
.person a { color: var(--accent-2); }

/* Spec cards ("specs" block) with optional filter tabs, and meters ("meters" block) */
.spec-tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; }
.spec-tabs[hidden] { display: none; }
.spec-tabs button { font: 600 14px var(--display); padding: 8px 16px; border-radius: 999px; border: 1px solid var(--line); background: var(--surface); color: var(--ink-2); cursor: pointer; }
.spec-tabs button[aria-pressed="true"] { background: var(--accent); border-color: var(--accent); color: #fff; }
.spec-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; }
.spec { display: flex; flex-direction: column; gap: 12px; padding: 20px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
.spec[hidden] { display: none; }
.spec-head { display: flex; align-items: center; gap: 12px; }
.spec-chip { flex: 0 0 auto; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 10px; background: var(--surface-2); font: 700 15px var(--display); color: var(--accent); }
.spec-id { flex: 1; min-width: 0; }
.spec-kind { margin: 0; font-size: 12px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--ink-3); }
.spec h3 { font-size: 19px; margin: 0; }
.spec-badge { font-size: 11.5px; font-weight: 700; padding: 3px 9px; border-radius: 999px; background: var(--accent); color: #fff; }
.spec-text { margin: 0; color: var(--ink-2); font-size: 14.5px; }
.spec-list { margin: 0; display: grid; gap: 6px; font-size: 14px; }
.spec-list div { display: flex; justify-content: space-between; gap: 12px; border-top: 1px solid var(--line); padding-top: 6px; }
.spec-list dt { color: var(--ink-3); }
.spec-list dd { margin: 0; text-align: right; font-weight: 600; }
.spec-foot { margin-top: auto; display: flex; flex-wrap: wrap; gap: 8px 16px; align-items: center; font-size: 14px; font-weight: 600; }
.spec-foot a { text-decoration: none; color: var(--accent-2); }
.meters { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; }
.meter { display: flex; flex-direction: column; gap: 10px; padding: 20px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); text-decoration: none; color: inherit; }
.meter-head { display: flex; align-items: center; gap: 10px; }
.meter-head h3 { font-size: 18px; margin: 0; flex: 1; }
.meter-val { font-size: 13px; font-weight: 700; color: var(--accent); }
.meter-track { display: block; height: 8px; border-radius: 99px; background: var(--surface-2); overflow: hidden; }
.meter-track span { display: block; height: 100%; border-radius: inherit; background: var(--accent); }
.meter p { margin: 0; color: var(--ink-2); font-size: 14.5px; }
.meter-badge { align-self: flex-start; font-size: 12px; font-weight: 600; color: var(--ink-3); }

/* =====================================================================
   DomCom Insure theme: "policy paper" (built 2026-10-15)
   Warm paper pages, ink navy, two sides: Domestic = coral, Commercial = teal,
   joined by a violet accent. Fonts: Sora (headings), Figtree (body), IBM Plex Mono (labels).
   ===================================================================== */
:root {
  color-scheme: light;
  --bg: #F7F4EE;
  --surface: #FFFFFF;
  --surface-2: #F0EBE1;
  --line: #E3DCCD;
  --ink: #14203A;
  --ink-2: #434E66;
  --ink-3: #6F778A;
  --accent: #5B4BDB;
  --accent-2: #4A3BC4;
  --dom: #E2572A;
  --dom-soft: #FCE7DE;
  --com: #0F7C7C;
  --com-soft: #DCF1EF;
  --navy: #14203A;
  --side: var(--accent);
  --radius: 14px;
  --display: "Sora", system-ui, sans-serif;
  --font: "Figtree", system-ui, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, monospace;
}
body { background: var(--bg); color: var(--ink); font-size: 16.5px; }
h1, h2, h3, h4 { letter-spacing: -.025em; }
::selection { background: color-mix(in srgb, var(--accent) 25%, transparent); }

/* Side colour per page: commercial pages go teal, domestic coral */
.page-home-insurance, .page-buildings-insurance, .page-contents-insurance, .page-renters-insurance, .page-landlord-insurance,
.page-car-insurance, .page-travel-insurance, .page-life-insurance, .page-flood-insurance { --side: var(--dom); }
.page-business-insurance, .page-public-liability-insurance, .page-employers-liability-insurance, .page-workers-compensation,
.page-professional-indemnity-insurance, .page-commercial-property-insurance, .page-tradesperson-insurance, .page-cyber-insurance,
.page-directors-and-officers-insurance, .page-business-owners-policy, .page-van-insurance, .page-fleet-insurance, .page-home-business-insurance { --side: var(--com); }

/* Top line + header */
.topline { background: var(--navy); color: #C9CFDC; font-size: 13px; }
.topline-in { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 38px; }
.topline p { margin: 0; }
.topline a { color: #fff; }
.side-switch { display: flex; flex: 0 0 auto; border: 1px solid rgba(255,255,255,.18); border-radius: 999px; padding: 3px; gap: 2px; }
.side-switch a { text-decoration: none; font: 600 12px var(--display); letter-spacing: .02em; padding: 4px 12px; border-radius: 999px; color: #fff; }
.side-switch .sw-dom:hover { background: var(--dom); }
.side-switch .sw-com:hover { background: var(--com); }
.site-header { background: color-mix(in srgb, #fff 92%, transparent); border-bottom: 1px solid var(--line); }
.bar { height: 74px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); }
.brand-word { font: 700 23px var(--display); letter-spacing: -.035em; white-space: nowrap; }
.bw-dom { color: var(--dom); } .bw-com { color: var(--com); } .bw-ins { color: var(--ink); font-weight: 600; }
.nav { gap: 6px; }
.nav a { color: var(--ink-2); font-weight: 600; font-size: 14.5px; padding: 8px 11px; border-radius: 8px; }
.nav a:hover { color: var(--ink); background: var(--surface-2); }
.nav a[href="/cover-checker/"] { background: var(--accent); color: #fff; }
.nav a[href="/cover-checker/"]:hover { background: var(--accent-2); }
.menu span { background: var(--ink); }
@media (max-width: 1080px) { .nav a { padding: 8px 7px; font-size: 14px; } }
@media (max-width: 980px) {
  .menu { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 74px; flex-direction: column; gap: 0; background: #fff; border-bottom: 1px solid var(--line); padding: 8px 20px 16px; box-shadow: 0 20px 30px -20px rgba(20,32,58,.3); }
  .nav.open { display: flex; }
  .nav a { padding: 12px 6px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav a[href="/cover-checker/"] { margin-top: 10px; border-radius: 8px; text-align: center; }
}
@media (max-width: 640px) { .topline p { display: none; } .topline-in { justify-content: center; } .brand-word { font-size: 20px; } }

/* Hero: home = ink navy with coral + teal glows; pages = photo with ink overlay and a side-coloured edge */
.hero { color: #fff; background: var(--navy); }
.hero-home { padding: 84px 0 150px; background:
  radial-gradient(600px 380px at 8% 20%, rgba(226,87,42,.35), transparent 70%),
  radial-gradient(640px 400px at 95% 30%, rgba(15,124,124,.45), transparent 70%),
  radial-gradient(500px 300px at 55% 110%, rgba(91,75,219,.45), transparent 70%),
  linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px) 0 0 / 100% 36px,
  var(--navy); }
.hero-home .wrap { text-align: center; display: flex; flex-direction: column; align-items: center; }
.hero h1 { color: #fff; font-weight: 700; }
.hero-home h1 { max-width: 920px; }
.hero h1 .hl-dom { color: #FF8A5F; } .hero h1 .hl-com { color: #3FD0C6; }
.hero .lede { color: #D3D8E4; }
.eyebrow { font: 500 12.5px var(--mono); letter-spacing: .12em; color: #B9B1FF; }
.hero-home .eyebrow { border: 1px solid rgba(255,255,255,.2); padding: 6px 14px; border-radius: 999px; }
.search { background: #fff; border-color: transparent; box-shadow: 0 18px 40px -18px rgba(0,0,0,.45); }
.search input { color: var(--ink); }
.search button { background: var(--accent); font-weight: 600; }
.search button:hover { background: var(--accent-2); }
.chips a { color: #E5E8F0; border-color: rgba(255,255,255,.25); background: rgba(255,255,255,.06); }
.chips a:hover { color: #fff; border-color: #fff; }
.hero-page { padding: 64px 0 70px; }
.hero.has-img::after { background: linear-gradient(100deg, rgba(20,32,58,.94) 0%, rgba(20,32,58,.78) 50%, rgba(20,32,58,.35) 100%); }
.hero-page::before { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 6px; z-index: 2; background: var(--side); }
.hero-page .wrap { position: relative; }
.hero-page .wrap::before { content: ""; display: block; width: 46px; height: 4px; border-radius: 4px; background: var(--side); margin-bottom: 18px; }
.crumbs ol { color: var(--ink-3); }
.crumbs a:hover { color: var(--accent); }

/* Split Domestic / Commercial panels (pull up into the home hero) */
.blocks-split { padding: 0 0 30px; margin-top: -110px; position: relative; z-index: 3; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.panel { background: #fff; border-radius: 20px; padding: 30px 30px 26px; box-shadow: 0 30px 60px -30px rgba(20,32,58,.45); border-top: 6px solid var(--c); display: flex; flex-direction: column; }
.panel-dom { --c: var(--dom); --soft: var(--dom-soft); }
.panel-com { --c: var(--com); --soft: var(--com-soft); }
.panel-eyebrow { display: inline-flex; align-items: center; gap: 8px; font: 500 12.5px var(--mono); letter-spacing: .12em; text-transform: uppercase; color: var(--c); margin: 0 0 10px; }
.panel h2 { font-size: clamp(24px, 2.6vw, 30px); margin: 0 0 8px; }
.panel-text { color: var(--ink-2); margin: 0 0 16px; }
.panel-list { list-style: none; margin: 0 0 18px; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.panel-list a { display: flex; align-items: center; gap: 10px; text-decoration: none; padding: 10px 12px; border-radius: 10px; background: var(--soft); font-weight: 600; font-size: 15px; color: var(--ink); transition: transform .15s; }
.panel-list a:hover { transform: translateX(3px); }
.panel-list .ico { width: 19px; height: 19px; color: var(--c); }
.panel-list span { flex: 1; }
.panel-list b { color: var(--c); font-weight: 700; }
.panel-cta { margin-top: auto; align-self: flex-start; text-decoration: none; font: 600 15px var(--display); color: #fff; background: var(--c); padding: 11px 20px; border-radius: 10px; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; } }
@media (max-width: 460px) { .panel { padding: 24px 18px 20px; } .panel-list { grid-template-columns: 1fr; } }

/* Section headings, cards, blocks */
section h2 { font-weight: 700; }
.block-head h2::before, .related h2::before, .highlights h2::before { content: ""; display: inline-block; width: 11px; height: 11px; border-radius: 3px; background: var(--side); margin-right: 14px; vertical-align: middle; transform: translateY(-3px) rotate(45deg); }
.tile, .card, .offer, .deal, .steps li, .spec, .meter { background: #fff; border-color: var(--line); box-shadow: 0 1px 0 rgba(20,32,58,.04); }
.card:hover, .offer:hover, .deal:hover { border-color: var(--side); box-shadow: 0 16px 30px -20px rgba(20,32,58,.35); }
.card h3 { font-size: 18px; }
.cta { color: var(--accent); font-weight: 600; }
.deal-top .ico { background: var(--surface-2); color: var(--side); }
.deal-badge, .spec-badge { background: var(--navy); }
.steps li::before { font: 600 30px var(--mono); color: var(--line); }
.steps .ico { color: var(--side); }
.blocks-strip { background: #fff; border-bottom: 1px solid var(--line); }
.strip-list .ico { color: var(--accent); }
.pill { background: #fff; }
.pill .ico { color: var(--side); }
.spec-chip { background: var(--navy); color: #fff; font-family: var(--mono); font-weight: 500; }
.spec-tabs button { background: #fff; }
.spec-tabs button[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); }
.spec-foot a { color: var(--accent); }
.badge { background: var(--com); color: #fff; }
.tile-ico { background: color-mix(in srgb, var(--side) 14%, transparent); }

/* Policy schedule ("schedule" block) */
.blocks-schedule { padding: 36px 0 8px; }
.schedule { position: relative; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px 28px 22px 34px; box-shadow: 0 20px 40px -32px rgba(20,32,58,.5);
  background-image: linear-gradient(90deg, var(--c) 0 6px, transparent 6px); }
.schedule.side-dom { --c: var(--dom); } .schedule.side-com { --c: var(--com); } .schedule.side-both { --c: var(--accent); }
.schedule-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; border-bottom: 2px dashed var(--line); padding-bottom: 12px; margin-bottom: 4px; }
.schedule-head h2 { font-size: 22px; margin: 0; }
.schedule-ref { font: 500 12px var(--mono); color: var(--ink-3); letter-spacing: .08em; white-space: nowrap; }
.schedule dl { margin: 0; display: grid; grid-template-columns: 1fr 1fr; column-gap: 32px; }
.schedule dl div { display: grid; grid-template-columns: 150px 1fr; gap: 14px; padding: 12px 0; border-bottom: 1px solid var(--surface-2); }
.schedule dt { font: 500 12px var(--mono); letter-spacing: .06em; text-transform: uppercase; color: var(--ink-3); padding-top: 3px; }
.schedule dd { margin: 0; font-size: 15px; color: var(--ink); }
.schedule dd a { color: var(--accent); }
.schedule-note { margin: 14px 0 0; font-size: 14px; color: var(--ink-2); }
@media (max-width: 860px) { .schedule dl { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .schedule { padding: 22px 18px 18px 24px; } .schedule dl div { grid-template-columns: 1fr; gap: 2px; } .schedule-head { flex-direction: column; gap: 4px; } }

/* Covered / not covered / add-ons */
.covers { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 16px; }
.cov { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; }
.cov h3 { display: flex; align-items: center; gap: 10px; font-size: 17px; margin: 0 0 12px; }
.cov h3 .ico { width: 30px; height: 30px; padding: 6px; border-radius: 8px; }
.cov-in h3 .ico { background: #DDF3E6; color: #17804A; }
.cov-out h3 .ico { background: #FCE4E0; color: #C2412D; }
.cov-add h3 .ico { background: #ECE8FF; color: var(--accent); }
.cov ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 8px; }
.cov li { position: relative; padding-left: 18px; font-size: 15px; color: var(--ink-2); }
.cov li::before { content: ""; position: absolute; left: 0; top: .62em; width: 7px; height: 7px; border-radius: 2px; }
.cov-in li::before { background: #17804A; } .cov-out li::before { background: #C2412D; } .cov-add li::before { background: var(--accent); }
.covers-note { font-size: 13.5px; color: var(--ink-3); margin: 14px 0 0; }

/* Legal requirement matrix */
.matrix-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.matrix { width: 100%; border-collapse: collapse; min-width: 640px; font-size: 14.5px; }
.matrix th, .matrix td { text-align: left; vertical-align: top; padding: 14px 16px; border-bottom: 1px solid var(--surface-2); }
.matrix thead th { font: 500 12px var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--ink-3); background: var(--surface-2); }
.matrix tbody th { font: 600 15px var(--display); width: 24%; }
.matrix tbody th a { color: var(--ink); text-decoration-color: var(--line); }
.matrix tbody tr:last-child > * { border-bottom: 0; }
.matrix small { display: block; margin-top: 6px; color: var(--ink-2); font-size: 13.5px; line-height: 1.45; }
.mk { display: inline-block; font: 600 11.5px var(--mono); letter-spacing: .04em; text-transform: uppercase; padding: 3px 8px; border-radius: 6px; }
.mk-yes { background: #DDF3E6; color: #17804A; } .mk-no { background: var(--surface-2); color: var(--ink-3); }
.mk-varies { background: #FFF1D6; color: #9A5B00; } .mk-lender { background: #ECE8FF; color: var(--accent-2); }

/* Cover checker */
.checker { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); gap: 28px; align-items: start; }
.ck-form { display: grid; gap: 12px; }
.ck-q { margin: 0; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; padding: 16px 18px; min-width: 0; }
.ck-q[hidden] { display: none; }
.ck-q legend { float: left; width: 100%; display: flex; gap: 10px; font: 600 16px var(--display); margin-bottom: 10px; padding: 0; }
.ck-n { font: 500 13px var(--mono); color: var(--accent); padding-top: 2px; }
.ck-hint { clear: both; margin: 0 0 10px; font-size: 13.5px; color: var(--ink-3); }
.ck-opts { clear: both; display: flex; flex-wrap: wrap; gap: 8px; }
.ck-opts label { cursor: pointer; position: relative; }
.ck-opts input { position: absolute; opacity: 0; pointer-events: none; }
.ck-opts span { display: inline-block; padding: 8px 14px; border: 1.5px solid var(--line); border-radius: 999px; font-size: 14.5px; font-weight: 600; color: var(--ink-2); background: var(--bg); transition: all .15s; }
.ck-opts label:hover span { border-color: var(--accent); }
.ck-opts input:checked + span { background: var(--navy); border-color: var(--navy); color: #fff; }
.ck-opts input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 2px; }
.ck-actions { display: flex; justify-content: flex-end; }
.ck-reset { font: 600 14px var(--display); background: none; border: 0; color: var(--ink-3); cursor: pointer; text-decoration: underline; }
.ck-results { position: sticky; top: 96px; }
.ck-summary { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 18px 20px; margin-bottom: 12px; }
.ck-count { margin: 0; font: 600 16px var(--display); }
.ck-list { display: grid; gap: 10px; }
.ck-cover { display: block; text-decoration: none; color: inherit; background: #fff; border: 1px solid var(--line); border-left: 5px solid var(--n); border-radius: 12px; padding: 14px 16px; }
.ck-cover[hidden] { display: none; }
.ck-cover:hover { box-shadow: 0 12px 24px -18px rgba(20,32,58,.4); }
.need-must { --n: #C2412D; } .need-should { --n: var(--accent); } .need-consider { --n: var(--com); }
.ck-need { font: 500 11.5px var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--n); }
.ck-cover h3 { font-size: 17px; margin: 4px 0 4px; }
.ck-cover p { margin: 0; font-size: 14.5px; color: var(--ink-2); }
.ck-cover .cta { display: inline-block; font-size: 14px; padding-top: 6px; }
@media (max-width: 900px) { .checker { grid-template-columns: 1fr; } .ck-results { position: static; } }

/* Article: clause-numbered headings like a policy wording */
.content { padding: 48px 0 24px; }
.prose { color: var(--ink-2); counter-reset: clause; }
.prose h2 { counter-increment: clause; font-size: 26px; }
.prose h2::before { content: "§ " counter(clause); display: block; font: 500 13px var(--mono); letter-spacing: .08em; color: var(--side); margin-bottom: 8px; }
.prose a, .sources a, .more-link a, .byline a { color: var(--accent); }
.prose table { width: 100%; border-collapse: collapse; font-size: 15px; margin: 8px 0 16px; background: #fff; border: 1px solid var(--line); display: block; overflow-x: auto; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--surface-2); vertical-align: top; }
.prose th { font: 600 14px var(--display); color: var(--ink); background: var(--surface-2); }
.prose .note { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--side); border-radius: 10px; padding: 14px 16px; font-size: 15.5px; }
.prose .warn { background: #FFF6E5; border: 1px solid #F3D9A4; border-left: 4px solid #D98A00; border-radius: 10px; padding: 14px 16px; font-size: 15.5px; }
.toc { border-left-color: var(--line); }
.toc ol { counter-reset: t; }
.toc li { counter-increment: t; }
.toc a::before { content: counter(t) ". "; font-family: var(--mono); font-size: 12px; color: var(--ink-3); }
.toc a:hover { color: var(--accent); }

/* FAQ = "the small print" */
.faq { background: var(--surface-2); }
.faq details { background: #fff; border-color: var(--line); border-radius: 12px; }
.faq summary { font-size: 16.5px; }
.faq summary::after { color: var(--accent); font-family: var(--mono); }
.faq details > div a { color: var(--accent); }

/* Partners, CTA band, posts */
.aff-note { color: var(--ink-3); }
.cta-band .wrap { background: var(--navy); border: 0; color: #fff; background-image: radial-gradient(400px 200px at 0% 0%, rgba(226,87,42,.35), transparent 70%), radial-gradient(400px 200px at 100% 100%, rgba(15,124,124,.45), transparent 70%); }
.cta-band h2 { color: #fff; }
.post-meta { font-family: var(--mono); font-size: 12px; }
.sources ul { color: var(--ink-2); }

/* Footer: ink navy with a perforated tear-off edge */
.site-footer { background: var(--navy); color: #AEB6C8; border: 0; margin-top: 56px; padding-top: 0; position: relative; }
.foot-perf { height: 14px; background: radial-gradient(circle at 10px -2px, var(--bg) 7px, transparent 7.5px) 0 0 / 20px 14px repeat-x; }
.site-footer .wrap { padding-top: 46px; }
.foot-top { display: grid; grid-template-columns: 1.1fr 2.6fr; gap: 40px; }
.foot-brand p { margin: 14px 0 0; font-size: 14.5px; }
.foot-brand .brand-word, .foot-brand .bw-ins { color: #fff; }
.foot-brand .bw-dom { color: #FF8A5F; } .foot-brand .bw-com { color: #3FD0C6; }
.foot-net a, .disclosure a { color: #fff; }
.foot-cols { grid-template-columns: repeat(4, 1fr); gap: 24px; }
.foot-cols h4 { color: #fff; font-size: 14px; display: flex; align-items: center; gap: 8px; }
.foot-cols a:hover { color: #fff; }
.dot { width: 9px; height: 9px; border-radius: 3px; transform: rotate(45deg); }
.dot-dom { background: var(--dom); } .dot-com { background: var(--com); }
.disclosure { border-top-color: rgba(255,255,255,.12); color: #8F98AD; line-height: 1.6; }
.disclosure strong { color: #fff; }
@media (max-width: 980px) { .foot-top { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .foot-cols { grid-template-columns: 1fr 1fr; } }

/* Home: the hero photo is only used for the card / og:image, not shown */
.hero-home .hero-img, .hero-home .photo-credit { display: none; }
.hero-home.has-img::after { display: none; }

/* Home: cover checker teaser ("html" block, class home-checker) */
.hc { display: grid; grid-template-columns: 1.2fr 1fr; gap: 28px; align-items: center; background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 32px; box-shadow: 0 24px 50px -36px rgba(20,32,58,.5); }
.hc-eyebrow { font: 500 12.5px var(--mono); letter-spacing: .12em; text-transform: uppercase; color: var(--accent); margin: 0 0 8px; }
.hc h3 { font-size: clamp(22px, 2.6vw, 28px); margin: 0 0 10px; }
.hc-text p { color: var(--ink-2); }
.hc-btn { display: inline-block; margin-top: 8px; text-decoration: none; font: 600 15px var(--display); color: #fff; background: var(--accent); padding: 12px 20px; border-radius: 10px; }
.hc-btn:hover { background: var(--accent-2); }
.hc-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.hc-list li { background: var(--bg); border: 1px solid var(--line); border-left: 5px solid var(--n); border-radius: 10px; padding: 10px 14px; font: 600 15px var(--display); }
.hc-list span { display: block; font: 500 11px var(--mono); letter-spacing: .08em; text-transform: uppercase; color: var(--n); margin-bottom: 2px; }
.home-checker .block-head { display: none; }
@media (max-width: 760px) { .hc { grid-template-columns: 1fr; padding: 22px; } }

/* Glossary definition lists */
.gloss { margin: 0; display: grid; gap: 0; }
.gloss dt { font: 600 16px var(--display); color: var(--ink); padding-top: 14px; scroll-margin-top: 100px; }
.gloss dd { margin: 4px 0 0; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.hero-home .search { width: 100%; }
@media (max-width: 560px) { .panel-list { grid-template-columns: 1fr; } .hero-home { padding-bottom: 140px; } }

/* Menu folds into the menu button when it doesn't fit (set by site.js) */
.nav-compact .menu { display: block; }
.nav-compact .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; gap: 0; background: var(--surface); border-bottom: 1px solid var(--line); padding: 8px 20px 16px; box-shadow: 0 12px 30px rgba(0,0,0,.18); z-index: 60; }
.nav-compact .nav.open { display: flex; }
.nav-compact .nav a { padding: 12px 0; border-bottom: 1px solid var(--line); }

/* Let article columns shrink so wide tables scroll inside their box instead of widening the page */
.content-grid > * { min-width: 0; }