:root {
  --white: #ffffff;
  --ink: #13283d;
  --ink-strong: #081d31;
  --muted: #596b7d;
  --blue: #075fcb;
  --blue-dark: #064da5;
  --blue-soft: #eef5ff;
  --red: #cf2e36;
  --red-soft: #fff1f2;
  --green: #18754a;
  --green-soft: #eff9f3;
  --amber: #8a5a00;
  --amber-soft: #fff8e8;
  --line: #d8e1ea;
  --line-strong: #bdcad7;
  --surface: #f6f8fb;
  --shadow: 0 8px 24px rgba(19, 40, 61, 0.08);
  --content: 1180px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  letter-spacing: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}

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

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

a:hover {
  color: var(--red);
}

button,
input,
summary {
  font: inherit;
}

:focus-visible {
  outline: 3px solid rgba(7, 95, 203, 0.35);
  outline-offset: 3px;
}

.skip-link {
  position: fixed;
  top: 8px;
  left: 8px;
  z-index: 100;
  transform: translateY(-160%);
  padding: 10px 14px;
  border-radius: 4px;
  background: var(--ink-strong);
  color: var(--white);
  text-decoration: none;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.97);
}

.topbar {
  width: min(var(--content), calc(100% - 32px));
  min-height: 72px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  color: var(--ink-strong);
  text-decoration: none;
}

.brand:hover {
  color: var(--ink-strong);
}

.brand-mark {
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  object-fit: cover;
}

.brand-copy {
  display: grid;
  line-height: 1.15;
}

.brand-copy strong {
  font-size: 1.08rem;
}

.brand-copy small {
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.76rem;
  font-weight: 600;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
}

.primary-nav a {
  min-height: 40px;
  display: inline-flex;
  align-items: center;
  padding: 8px 11px;
  border-bottom: 2px solid transparent;
  color: var(--ink);
  font-size: 0.91rem;
  font-weight: 700;
  text-decoration: none;
}

.primary-nav a:hover {
  border-bottom-color: var(--blue);
  color: var(--blue-dark);
}

main {
  overflow: clip;
}

.content-page,
main > .hero,
main > .band {
  display: flow-root;
}

.page-hero,
.hero,
.band,
.fact-strip,
.process-band,
.source-band {
  width: min(var(--content), calc(100% - 32px));
  margin-right: auto;
  margin-left: auto;
}

.page-hero,
.hero {
  padding-top: 26px;
  padding-bottom: 34px;
  animation: rise-in 520ms ease both;
}

.breadcrumbs {
  margin-bottom: 26px;
  color: var(--muted);
  font-size: 0.84rem;
}

.breadcrumbs ol {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 7px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.breadcrumbs li {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.breadcrumbs li:not(:last-child)::after {
  content: "/";
  color: #90a0b0;
}

.breadcrumbs a {
  color: var(--blue-dark);
  text-decoration: none;
}

.breadcrumbs [aria-current="page"] {
  color: var(--muted);
}

.hero-layout,
.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.04fr) minmax(360px, 0.96fr);
  align-items: center;
  gap: 52px;
}

.hero-copy {
  min-width: 0;
}

.hero h1,
.page-hero h1 {
  max-width: 15ch;
  margin: 0 0 18px;
  color: var(--ink-strong);
  font-size: 3.5rem;
  line-height: 1.03;
  font-weight: 790;
}

.lead {
  max-width: 66ch;
  margin: 0 0 14px;
  color: #29445f;
  font-size: 1.22rem;
  line-height: 1.55;
}

.hero-copy > p:not(.eyebrow):not(.lead):not(.editorial-line) {
  max-width: 68ch;
  color: var(--muted);
}

.eyebrow {
  margin: 0 0 9px;
  color: var(--red);
  font-size: 0.76rem;
  font-weight: 800;
  line-height: 1.35;
  text-transform: uppercase;
}

.hero-actions {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 24px;
}

.btn {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 15px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-size: 0.91rem;
  font-weight: 760;
  line-height: 1.25;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
}

.btn.primary {
  border-color: var(--blue);
  background: var(--blue);
  color: var(--white);
}

.btn.primary:hover {
  border-color: var(--blue-dark);
  background: var(--blue-dark);
  color: var(--white);
}

.btn.secondary {
  border-color: var(--line-strong);
  background: var(--white);
  color: var(--blue-dark);
}

.btn.secondary:hover {
  border-color: var(--blue);
  color: var(--blue-dark);
}

.provider-status {
  position: relative;
  max-width: 100%;
}

.provider-status summary {
  list-style: none;
  white-space: normal;
  overflow-wrap: anywhere;
}

.provider-status summary::-webkit-details-marker {
  display: none;
}

.provider-message {
  width: min(460px, calc(100vw - 32px));
  margin-top: 10px;
  padding: 14px 16px;
  border: 1px solid #f0c3c6;
  border-left: 4px solid var(--red);
  border-radius: 6px;
  background: var(--red-soft);
  color: var(--ink);
  box-shadow: var(--shadow);
}

.provider-message p {
  margin: 5px 0 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.editorial-line,
.review-line {
  color: var(--muted);
  font-size: 0.82rem;
}

.editorial-line {
  margin-top: 18px;
}

.hero-figure,
.hero-art {
  width: 100%;
  min-width: 0;
  margin: 0;
}

.hero-figure a {
  display: block;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.hero-figure img,
.hero-art img {
  width: 100%;
  aspect-ratio: 3 / 2;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  object-fit: cover;
}

.hero-figure a:hover img {
  transform: scale(1.012);
}

.hero-figure img {
  transition: transform 220ms ease;
}

.hero-figure.hero-ratio-wide img {
  aspect-ratio: 16 / 9;
}

.hero-figure figcaption {
  margin-top: 9px;
  color: var(--muted);
  font-size: 0.79rem;
  line-height: 1.5;
}

.fact-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  margin-bottom: 54px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  animation: rise-in 560ms 80ms ease both;
}

.fact-item {
  min-width: 0;
  padding: 18px;
  border-left: 1px solid var(--line);
}

.fact-item:first-child {
  border-left: 0;
}

.fact-item strong,
.fact-item span {
  display: block;
}

.fact-item strong {
  margin-bottom: 5px;
  color: var(--blue-dark);
  font-size: 0.78rem;
  text-transform: uppercase;
}

.fact-item span {
  color: var(--ink);
  font-size: 0.9rem;
  line-height: 1.45;
}

.band,
.process-band,
.source-band {
  margin-bottom: 60px;
  scroll-margin-top: 92px;
  animation: rise-in 560ms ease both;
}

.section-heading {
  max-width: 780px;
  margin-bottom: 22px;
}

.section-heading.compact {
  margin-bottom: 16px;
}

.section-heading h2,
.band h2,
.process-band h2,
.source-band h2 {
  margin: 0;
  color: var(--ink-strong);
  font-size: 2rem;
  line-height: 1.17;
}

.section-heading p:not(.eyebrow),
.process-intro > p:not(.eyebrow),
.source-band > div > p:not(.eyebrow) {
  margin: 10px 0 0;
  color: var(--muted);
}

.coverage-grid,
.split,
.split-band,
.tradeoff-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}

.coverage-column {
  min-width: 0;
  padding: 22px;
  border: 1px solid var(--line);
  border-top: 4px solid var(--green);
  border-radius: 8px;
  background: var(--white);
}

.coverage-column.limited {
  border-top-color: var(--red);
}

.coverage-column h3,
.document-panel h2,
.tradeoff-grid h3,
.source-list h3 {
  margin: 0 0 14px;
  color: var(--ink-strong);
}

.check-list,
.limit-list,
.document-list,
.tradeoff-grid ul,
.source-list ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li,
.limit-list li,
.document-list li,
.tradeoff-grid li {
  position: relative;
  padding: 10px 0 10px 28px;
  border-top: 1px solid var(--line);
  color: #30485f;
}

.check-list li:first-child,
.limit-list li:first-child,
.document-list li:first-child,
.tradeoff-grid li:first-child {
  border-top: 0;
}

.check-list li::before,
.document-list li::before,
.tradeoff-grid > div:first-child li::before {
  content: "\2713";
  position: absolute;
  left: 2px;
  color: var(--green);
  font-weight: 900;
}

.limit-list li::before,
.tradeoff-grid > div:last-child li::before {
  content: "!";
  position: absolute;
  left: 6px;
  color: var(--red);
  font-weight: 900;
}

.table-scroll {
  max-width: 100%;
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
  scrollbar-color: var(--line-strong) var(--surface);
}

.comparison-table {
  width: 100%;
  min-width: 820px;
  border-collapse: separate;
  border-spacing: 0;
  color: var(--ink);
  font-size: 0.9rem;
  line-height: 1.45;
}

.comparison-table caption {
  padding: 14px 16px;
  border-bottom: 1px solid var(--line);
  background: var(--surface);
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 700;
  text-align: left;
}

.comparison-table th,
.comparison-table td {
  min-width: 170px;
  padding: 15px 16px;
  border-bottom: 1px solid var(--line);
  border-left: 1px solid var(--line);
  vertical-align: top;
  text-align: left;
}

.comparison-table tr:last-child th,
.comparison-table tr:last-child td {
  border-bottom: 0;
}

.comparison-table th:first-child,
.comparison-table td:first-child {
  border-left: 0;
}

.comparison-table thead th {
  background: var(--blue);
  color: var(--white);
  font-weight: 760;
}

.comparison-table tbody th {
  position: sticky;
  left: 0;
  z-index: 1;
  background: var(--blue-soft);
  color: var(--ink-strong);
  font-weight: 750;
}

.comparison-table tbody tr:nth-child(even) td {
  background: #fbfcfe;
}

.process-band {
  display: grid;
  grid-template-columns: minmax(220px, 0.34fr) minmax(0, 1fr);
  gap: 38px;
  padding: 30px;
  border-left: 5px solid var(--blue);
  background: var(--surface);
}

.process-intro {
  align-self: start;
}

.process-flow {
  display: grid;
  gap: 0;
  margin: 0;
  padding: 0;
  list-style: none;
}

.process-flow li {
  position: relative;
  display: grid;
  grid-template-columns: 38px minmax(0, 1fr);
  gap: 14px;
  padding: 0 0 24px;
}

.process-flow li:not(:last-child)::before {
  content: "";
  position: absolute;
  top: 34px;
  bottom: 0;
  left: 18px;
  width: 2px;
  background: #a9c9ee;
}

.step-number {
  position: relative;
  z-index: 1;
  width: 38px;
  height: 38px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--blue);
  color: var(--white);
  font-size: 0.86rem;
  font-weight: 800;
}

.process-flow h3,
.claim-flow h3 {
  margin: 1px 0 4px;
  color: var(--ink-strong);
  font-size: 1rem;
}

.process-flow p,
.claim-flow p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.claim-flow {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 10px;
  margin: 0;
  padding: 0;
  counter-reset: claim;
  list-style: none;
}

.claim-flow li {
  min-width: 0;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.claim-flow li > span {
  width: 30px;
  height: 30px;
  display: grid;
  place-items: center;
  margin-bottom: 12px;
  border: 1px solid #b8d2ef;
  border-radius: 50%;
  background: var(--blue-soft);
  color: var(--blue-dark);
  font-size: 0.78rem;
  font-weight: 800;
}

.document-panel {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
}

.education-notes {
  display: grid;
  align-content: start;
  gap: 14px;
}

.education-note {
  padding: 20px;
  border: 1px solid #b9d5f3;
  border-left: 4px solid var(--blue);
  border-radius: 6px;
  background: var(--blue-soft);
}

.education-note.warning {
  border-color: #efc1c5;
  border-left-color: var(--red);
  background: var(--red-soft);
}

.education-note h3,
.education-note p {
  margin: 0;
}

.education-note p {
  margin-top: 6px;
  color: #3c5267;
}

.tradeoff-grid > div {
  padding: 22px;
  border-top: 3px solid var(--green);
  background: var(--green-soft);
}

.tradeoff-grid > div:last-child {
  border-top-color: var(--red);
  background: var(--red-soft);
}

.source-band {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: 36px;
  padding: 28px;
  border: 1px solid #a9c9ee;
  border-radius: 8px;
  background: var(--blue-soft);
}

.source-list li {
  padding: 7px 0;
  border-top: 1px solid #cbdff5;
}

.source-list li:first-child {
  border-top: 0;
}

.source-list a {
  font-weight: 680;
}

.guide-link-grid,
.discovery-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
}

.guide-link,
.discovery-link {
  min-width: 0;
  display: grid;
  align-content: start;
  gap: 6px;
  padding: 15px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
  color: var(--ink);
  text-decoration: none;
  transition: border-color 180ms ease, transform 180ms ease, box-shadow 180ms ease;
}

.guide-link:hover,
.discovery-link:hover {
  transform: translateY(-2px);
  border-color: var(--blue);
  color: var(--ink);
  box-shadow: var(--shadow);
}

.guide-link strong,
.discovery-link strong {
  color: var(--blue-dark);
  line-height: 1.3;
}

.guide-link span,
.discovery-link span {
  overflow-wrap: anywhere;
  color: var(--muted);
  font-size: 0.84rem;
  line-height: 1.45;
}

.guide-link .guide-link-type {
  color: var(--red);
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
}

.faq-list {
  border-top: 1px solid var(--line);
}

.faq-item {
  border-bottom: 1px solid var(--line);
}

.faq-item summary,
details.panel summary {
  position: relative;
  min-height: 58px;
  display: flex;
  align-items: center;
  padding: 14px 46px 14px 2px;
  color: var(--ink-strong);
  font-weight: 750;
  list-style: none;
  cursor: pointer;
}

.faq-item summary::-webkit-details-marker,
details.panel summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after,
details.panel summary::after {
  content: "+";
  position: absolute;
  right: 8px;
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  border: 1px solid var(--line-strong);
  border-radius: 50%;
  color: var(--blue-dark);
  font-size: 1.15rem;
  line-height: 1;
}

.faq-item[open] summary::after,
details.panel[open] summary::after {
  content: "\2212";
}

.faq-answer {
  max-width: 820px;
  padding: 0 48px 18px 2px;
  color: var(--muted);
}

.faq-answer p {
  margin: 0;
}

.discovery-band {
  margin-top: 72px;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}

.discovery-inner {
  width: min(var(--content), calc(100% - 32px));
  margin: 0 auto;
  padding: 34px 0 38px;
}

.site-footer {
  background: var(--white);
  animation: rise-in 620ms ease both;
}

.footer-inner {
  width: min(var(--content), calc(100% - 32px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.45fr repeat(3, minmax(130px, 0.72fr));
  gap: 34px;
  padding: 48px 0 34px;
}

.footer-intro p {
  max-width: 48ch;
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 0.89rem;
}

.footer-brandline {
  display: flex;
  align-items: center;
  gap: 10px;
}

.footer-brandline img {
  border: 1px solid var(--line);
  border-radius: 8px;
}

.footer-brandline h2,
.footer-column h2 {
  margin: 0;
  color: var(--ink-strong);
  font-size: 1rem;
}

.footer-column {
  display: grid;
  align-content: start;
  gap: 8px;
}

.footer-column h2 {
  margin-bottom: 4px;
}

.footer-column a {
  color: var(--muted);
  font-size: 0.86rem;
  text-decoration: none;
}

.footer-column a:hover {
  transform: translateX(2px);
  color: var(--blue-dark);
}

.footer-legal {
  width: min(var(--content), calc(100% - 32px));
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 18px 0 28px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 0.78rem;
}

.footer-legal p {
  margin: 0;
}

/* Shared listing and guide surfaces */
.hero.slim {
  padding-top: 26px;
}

.grid.cards {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.panel {
  min-width: 0;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.panel h3 {
  margin: 10px 0 6px;
  color: var(--ink-strong);
  font-size: 1.08rem;
  line-height: 1.32;
}

.panel h2 {
  font-size: 1.35rem;
}

.panel p,
.panel li {
  color: var(--muted);
}

.panel a {
  font-weight: 730;
  text-decoration: none;
}

.panel-image {
  width: 100%;
  aspect-ratio: 3 / 2;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--surface);
  object-fit: cover;
}

.note {
  background: var(--surface);
}

.chip-list,
.guide-pills {
  display: flex;
  gap: 7px;
  flex-wrap: wrap;
  margin-top: 16px;
}

.chip,
.guide-pills span {
  padding: 6px 9px;
  border: 1px solid #b9d5f3;
  border-radius: 4px;
  background: var(--blue-soft);
  color: var(--blue-dark);
  font-size: 0.78rem;
  font-weight: 700;
  text-decoration: none;
}

.stats {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin-top: 20px;
}

.stats div {
  padding: 12px;
  border-left: 3px solid var(--blue);
  background: var(--surface);
}

.stats strong,
.stats span {
  display: block;
}

.stats span {
  color: var(--muted);
  font-size: 0.78rem;
}

.table {
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
}

.table-row {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: 14px;
  padding: 13px 15px;
  border-top: 1px solid var(--line);
}

.table-row:first-child {
  border-top: 0;
}

.guide-diagram,
.guide-flow {
  display: grid;
  gap: 10px;
  padding: 20px;
  border-left: 4px solid var(--blue);
  background: var(--surface);
}

.guide-diagram-alt {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.diagram-node,
.guide-step {
  min-width: 0;
  padding: 13px 15px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
  color: var(--ink);
  font-weight: 700;
  text-align: center;
}

.diagram-arrow {
  color: var(--red);
  font-weight: 800;
  text-align: center;
}

.product-card {
  display: flex;
  flex-direction: column;
}

.product-card .eyebrow {
  margin-top: 14px;
}

.product-card > a:last-child {
  margin-top: auto;
  padding-top: 8px;
}

.image-link {
  display: block;
}

.guide-library-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.guide-audience {
  border-top-color: var(--blue);
}

.guide-family-health .guide-process,
.guide-family-property .guide-process {
  border-left-color: var(--green);
}

.guide-family-life .guide-process,
.guide-family-funeral .guide-process {
  border-left-color: var(--red);
}

.guide-layout-2 .guide-overview,
.guide-layout-4 .guide-overview {
  padding: 26px;
  border-left: 4px solid var(--blue);
  background: var(--surface);
}

.guide-layout-3 .secondary-guide-comparison,
.guide-layout-5 .guide-comparison {
  padding: 26px;
  background: var(--blue-soft);
}

.guide-table {
  min-width: 680px;
}

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

.term-grid > div {
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
}

.term-grid dt {
  color: var(--blue-dark);
  font-weight: 780;
}

.term-grid dd {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 0.86rem;
}

.warning-band {
  padding: 26px;
  border-left: 5px solid var(--red);
  background: var(--red-soft);
}

.warning-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.warning-list li {
  position: relative;
  padding: 14px 14px 14px 36px;
  border: 1px solid #efc1c5;
  border-radius: 6px;
  background: var(--white);
}

.warning-list li::before {
  content: "!";
  position: absolute;
  left: 15px;
  color: var(--red);
  font-weight: 900;
}

/* South Africa decision library */
.editorial-hero h1 {
  max-width: 17ch;
}

.editorial-facts .fact-item:nth-child(2) span {
  font-size: 0.84rem;
}

.editorial-scenario-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.editorial-scenario-grid > div {
  min-width: 0;
  padding: 22px 24px;
}

.editorial-scenario-grid > div + div {
  border-left: 1px solid var(--line);
}

.scenario-copy {
  background: var(--surface);
}

.decision-copy {
  background: var(--blue-soft);
}

.scenario-label {
  display: block;
  margin-bottom: 8px;
  color: var(--red);
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
}

.editorial-scenario-grid p,
.decision-note p {
  margin: 0;
  color: #30485f;
  line-height: 1.6;
}

.editorial-table {
  min-width: 760px;
}

.editorial-table th:first-child {
  width: 24%;
}

.depth-copy-grid,
.worked-example-grid,
.terms-review-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.depth-copy-grid > div,
.worked-example-grid > *,
.terms-review-grid > div {
  min-width: 0;
  padding: 26px 28px;
}

.depth-copy-grid > div + div,
.worked-example-grid > * + *,
.terms-review-grid > div + div {
  border-left: 1px solid var(--line);
}

.depth-copy-grid > div:first-child,
.worked-scenario,
.terms-review-grid > div:first-child {
  background: var(--surface);
}

.depth-copy-grid > div:last-child,
.worked-outcome,
.terms-review-grid > div:last-child {
  background: var(--blue-soft);
}

.depth-copy-grid h3,
.worked-example-grid h3,
.terms-review-grid h3 {
  margin: 0 0 10px;
  color: var(--ink-strong);
  font-size: 1.05rem;
}

.depth-copy-grid p,
.worked-example-grid p {
  margin: 0;
  color: #30485f;
}

.worked-scenario {
  border-top: 4px solid var(--red);
}

.worked-outcome {
  border-top: 4px solid var(--blue);
}

.review-trigger-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.review-trigger-list li {
  display: grid;
  grid-template-columns: minmax(130px, 0.65fr) minmax(0, 1.35fr);
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid var(--line);
}

.review-trigger-list li:first-child,
.editorial-glossary > div:first-child {
  padding-top: 0;
}

.review-trigger-list li:last-child,
.editorial-glossary > div:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.review-trigger-list strong,
.editorial-glossary dt {
  color: var(--blue-dark);
  font-weight: 780;
}

.review-trigger-list span,
.editorial-glossary dd {
  color: var(--muted);
}

.editorial-glossary {
  margin: 0;
}

.editorial-glossary > div {
  padding: 12px 0;
  border-bottom: 1px solid #cadcf2;
}

.editorial-glossary dd {
  margin: 4px 0 0;
}

.decision-note {
  align-self: stretch;
  display: grid;
  align-content: center;
  gap: 12px;
  padding: 26px;
  border-left: 5px solid var(--blue);
  background: var(--blue-soft);
}

.decision-note strong {
  color: var(--ink-strong);
  line-height: 1.55;
}

.editorial-related .guide-link-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.editorial-index-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.editorial-index-grid .guide-link {
  min-height: 158px;
}

.editorial-index-grid small {
  align-self: end;
  padding-top: 6px;
  color: var(--red);
  font-size: 0.72rem;
  font-weight: 750;
  text-transform: uppercase;
}

.editorial-family-nav {
  padding-top: 8px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}

.editorial-family-nav .guide-pills {
  margin-top: 0;
}

.editorial-family-section {
  padding-top: 4px;
}

.editorial-family-section + .editorial-family-section {
  padding-top: 56px;
  border-top: 1px solid var(--line);
}

.editorial-format-side-by-side .editorial-primary-table,
.editorial-format-decision-lab .editorial-primary-table {
  padding-left: 24px;
  border-left: 5px solid var(--blue);
}

.editorial-format-claims-playbook .editorial-flow,
.editorial-format-risk-scenario .editorial-flow {
  border-left-color: var(--red);
}

.editorial-format-cost-planner .editorial-secondary-table {
  padding: 26px;
  border-top: 4px solid var(--green);
  background: var(--green-soft);
}

.editorial-format-eligibility-map .editorial-flow {
  border-left-color: var(--green);
}

.editorial-format-checklist-workbook .editorial-documents {
  padding-top: 24px;
  border-top: 4px solid var(--blue);
}

.editorial-format-policy-lifecycle .process-flow li:not(:last-child)::before {
  background: #efb9bd;
}

.editorial-format-policy-lifecycle .step-number {
  background: var(--red);
}

.editorial-format-myth-and-reality .editorial-mistakes {
  border-top: 1px solid #efc1c5;
  border-bottom: 1px solid #efc1c5;
}

.editorial-format-risk-scenario .scenario-copy,
.editorial-format-decision-lab .decision-copy {
  border-top: 4px solid var(--red);
}

.local-hero-copy {
  max-width: 820px;
}

.legal-hero {
  padding-bottom: 22px;
}

.legal-layout {
  width: min(var(--content), calc(100% - 32px));
  margin: 0 auto 64px;
  display: grid;
  grid-template-columns: 220px minmax(0, 760px);
  gap: 56px;
  align-items: start;
}

.legal-nav {
  position: sticky;
  top: 96px;
  display: grid;
  gap: 8px;
  padding: 16px;
  border-left: 3px solid var(--blue);
  background: var(--surface);
}

.legal-nav strong {
  margin-bottom: 3px;
  color: var(--ink-strong);
}

.legal-nav a {
  color: var(--muted);
  font-size: 0.84rem;
  line-height: 1.35;
  text-decoration: none;
}

.legal-nav a:hover {
  color: var(--blue-dark);
}

.legal-content section {
  padding: 0 0 30px;
  margin: 0 0 30px;
  border-bottom: 1px solid var(--line);
  scroll-margin-top: 96px;
}

.legal-content section:last-child {
  border-bottom: 0;
}

.legal-content h2 {
  margin: 0 0 12px;
  color: var(--ink-strong);
  font-size: 1.55rem;
}

.legal-content p,
.legal-content li {
  color: #3c5267;
}

@keyframes rise-in {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (max-width: 980px) {
  .hero-layout,
  .hero {
    grid-template-columns: minmax(0, 1fr);
    gap: 30px;
  }

  .hero-figure,
  .hero-art {
    max-width: 720px;
  }

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

  .fact-item:nth-child(3) {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .fact-item:nth-child(4) {
    border-top: 1px solid var(--line);
  }

  .claim-flow,
  .guide-link-grid,
  .discovery-grid,
  .guide-library-grid,
  .term-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-inner {
    grid-template-columns: 1.3fr repeat(2, minmax(130px, 0.7fr));
  }

  .editorial-index-grid,
  .editorial-related .guide-link-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-column:last-child {
    grid-column: 2 / 4;
  }
}

@media (max-width: 720px) {
  .site-header {
    position: static;
  }

  .topbar {
    min-height: 0;
    align-items: flex-start;
    flex-direction: column;
    gap: 10px;
    padding: 13px 0;
  }

  .primary-nav {
    width: 100%;
    gap: 0;
    border-top: 1px solid var(--line);
  }

  .primary-nav a {
    min-height: 38px;
    padding: 8px 10px 5px 0;
    margin-right: 10px;
    font-size: 0.84rem;
  }

  .page-hero,
  .hero {
    padding-top: 18px;
  }

  .breadcrumbs {
    margin-bottom: 20px;
  }

  .hero h1,
  .page-hero h1 {
    max-width: none;
    font-size: 2.35rem;
    line-height: 1.08;
    overflow-wrap: anywhere;
  }

  .lead {
    font-size: 1.07rem;
  }

  .hero-actions,
  .hero-actions > *,
  .provider-status,
  .provider-status summary,
  .btn {
    width: 100%;
  }

  .fact-strip,
  .coverage-grid,
  .split,
  .split-band,
  .tradeoff-grid,
  .process-band,
  .source-band,
  .claim-flow,
  .guide-link-grid,
  .discovery-grid,
  .grid.cards,
  .stats,
  .footer-inner,
  .guide-diagram-alt {
    grid-template-columns: minmax(0, 1fr);
  }

  .term-grid,
  .warning-list,
  .legal-layout,
  .editorial-scenario-grid,
  .depth-copy-grid,
  .worked-example-grid,
  .terms-review-grid,
  .editorial-index-grid,
  .editorial-related .guide-link-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .editorial-scenario-grid > div + div,
  .depth-copy-grid > div + div,
  .worked-example-grid > * + *,
  .terms-review-grid > div + div {
    border-top: 1px solid var(--line);
    border-left: 0;
  }

  .editorial-scenario-grid > div,
  .depth-copy-grid > div,
  .worked-example-grid > *,
  .terms-review-grid > div,
  .decision-note {
    padding: 20px 18px;
  }

  .review-trigger-list li {
    grid-template-columns: minmax(0, 1fr);
    gap: 3px;
  }

  .editorial-format-side-by-side .editorial-primary-table,
  .editorial-format-decision-lab .editorial-primary-table {
    padding-left: 16px;
  }

  .editorial-format-cost-planner .editorial-secondary-table {
    padding: 20px 16px;
  }

  .legal-layout {
    gap: 28px;
  }

  .legal-nav {
    position: static;
  }

  .fact-item,
  .fact-item:nth-child(3),
  .fact-item:nth-child(4) {
    border-top: 1px solid var(--line);
    border-left: 0;
  }

  .fact-item:first-child {
    border-top: 0;
  }

  .band,
  .process-band,
  .source-band {
    margin-bottom: 46px;
  }

  .section-heading h2,
  .band h2,
  .process-band h2,
  .source-band h2 {
    font-size: 1.65rem;
  }

  .process-band,
  .source-band {
    gap: 24px;
    padding: 22px 18px;
  }

  .table-scroll {
    margin-right: -16px;
    border-right: 0;
    border-radius: 8px 0 0 8px;
  }

  .comparison-table {
    min-width: 720px;
    font-size: 0.85rem;
  }

  .comparison-table th,
  .comparison-table td {
    min-width: 150px;
    padding: 13px;
  }

  .footer-column:last-child {
    grid-column: auto;
  }

  .footer-legal {
    flex-direction: column;
  }

  .table-row {
    grid-template-columns: 1fr;
    gap: 4px;
  }
}

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

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}