/* CheapEarthquakeInsurance.com — Kadence rebuild concept
   Palette: family ink navy + paper, one seismic accent (fault orange).
   Headings: Source Serif 4 (family). Body: Inter. Self-host in the build. */
:root{
  --ink:#12283F;--ink-2:#3F5670;--ink-3:#6E8AA3;--navy:#0A2540;--navy-deep:#071A2E;
  --paper:#FBF9F5;--white:#fff;--mist:#EEF3F7;--line:#D9E1E8;
  --fault:#C2410C;--fault-dark:#9A3412;--fault-soft:#FDE8DC;--ok:#2F7D5B;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;--sans:"Inter",system-ui,Arial,sans-serif;
  --radius:12px;--shell:1180px;
}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.6;font-size:16px}
img,svg,canvas{max-width:100%;display:block}a{color:inherit}
h1,h2,h3,h4{margin:0 0 .5em;font-family:var(--serif);font-weight:500;line-height:1.08;letter-spacing:-.02em}
h1{font-size:clamp(40px,5.2vw,68px)}h2{font-size:clamp(32px,3.6vw,50px)}h3{font-size:clamp(22px,2vw,28px)}
p{margin:0 0 1em}.muted{color:var(--ink-2)}.small{font-size:13px}
.shell{width:min(var(--shell),calc(100% - 32px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:16px;top:16px;z-index:1000;background:#fff;padding:10px 16px;border-radius:6px}
.eyebrow{display:inline-block;margin:0 0 14px;color:var(--fault);font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase}
.section{padding:96px 0}.section--tight{padding:64px 0}.section--mist{background:var(--mist)}.section--navy{background:var(--navy);color:#fff}
.section-head{max-width:720px;margin-bottom:44px}.section-head.center{text-align:center;margin-inline:auto}.section-head p{font-size:18px;color:var(--ink-2)}
.section--navy .section-head p{color:#B7C7D8}.section--navy .eyebrow{color:#FFB48A}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border-radius:8px;font-weight:700;font-size:15px;text-decoration:none;border:1px solid transparent;transition:transform .15s ease,background .15s ease,box-shadow .15s ease;cursor:pointer;font-family:var(--sans)}
.btn-primary{background:var(--fault);color:#fff;box-shadow:0 10px 24px rgba(194,65,12,.22)}.btn-primary:hover{background:var(--fault-dark);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}.btn-ghost:hover{background:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-deep)}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{background:var(--mist)}
.btn:focus-visible,a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{outline:3px solid #F59E0B;outline-offset:3px}
/* header */
.topbar{background:var(--navy);color:#9FBDD4;font-size:13px}.topbar .shell{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.topbar .show-xs{display:none}.topbar a{color:#FFD5BF;text-decoration:none;font-weight:600}.topbar a:hover{text-decoration:underline}
.site-header{position:sticky;top:0;z-index:40;background:rgba(251,249,245,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav-wrap{height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;line-height:1.05;min-width:0}.brand>span:last-child{min-width:0}
.brand-mark{width:42px;height:42px;border-radius:10px;background:var(--navy);display:grid;place-items:center}
.brand-mark svg{width:30px;height:30px}
.brand strong{display:block;font-family:var(--serif);font-size:17px;letter-spacing:-.01em}.brand small{display:block;font-size:10px;letter-spacing:.18em;color:var(--ink-3);text-transform:uppercase;margin-top:3px}
.nav-wrap nav{display:flex;align-items:center;gap:26px}
.nav-wrap nav a{text-decoration:none;font-size:14px;font-weight:600;color:var(--ink-2)}.nav-wrap nav a:hover{color:var(--ink)}
.nav-phone{font-variant-numeric:tabular-nums;color:var(--ink)!important}
.nav-wrap nav .btn{min-height:44px;padding:0 18px;font-size:14px}
.menu-toggle{display:none;flex:none;background:#fff;border:1px solid var(--line);border-radius:8px;padding:9px 12px;font:600 13px var(--sans);color:var(--ink)}
/* hero */
.hero{position:relative;overflow:hidden;background:var(--paper);
  background-image:linear-gradient(rgba(18,40,63,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(18,40,63,.06) 1px,transparent 1px);
  background-size:24px 24px;background-position:center top}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(320px,.8fr);gap:64px;align-items:center;padding:64px 0 64px}
.hero h1 em{font-style:normal;color:var(--fault)}
.hero-lede{font-size:19px;color:var(--ink-2);max-width:620px;line-height:1.65}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 14px}
.hero-note{font-size:13px;color:var(--ink-3)}
/* seismograph instrument, inside the quote card */
.inst{margin:10px 0 20px;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--paper)}
.inst-head{display:flex;justify-content:space-between;align-items:center;padding:8px 12px;font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);border-bottom:1px solid var(--line);background:#fff}
.inst-live{color:var(--ok)}.inst-live:before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--ok);margin-right:6px;vertical-align:1px}
.inst-body{display:grid;grid-template-columns:1fr 110px}
.inst-drum{position:relative;height:150px;background-color:#FFFDF8;
  background-image:linear-gradient(rgba(18,40,63,.08) 1px,transparent 1px),linear-gradient(90deg,rgba(18,40,63,.08) 1px,transparent 1px);background-size:16px 16px}
.inst-drum canvas,.inst-drum .seismo-static{position:absolute;inset:0;width:100%;height:100%}
.inst-read{background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:10px;font-variant-numeric:tabular-nums}
.inst-read span{font-size:9px;letter-spacing:.2em;text-transform:uppercase;color:#9FBDD4;font-weight:700}
.inst-read strong{font-family:var(--serif);font-size:40px;line-height:1.05;margin:4px 0 2px;transition:color .2s}
.inst-read strong.hot{color:#FFB48A}.inst-read em{font-style:normal;font-size:10px;color:#B7C7D8}
.seismo-static{display:none}.no-js .seismo-static{display:block}.no-js .inst-drum canvas,.no-js .inst-read em{display:none}
@media (prefers-reduced-motion:reduce){.inst-drum canvas{display:none}.seismo-static{display:block}.inst-read em{display:none}}
/* quote card */
.quote-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px 22px;box-shadow:0 24px 60px rgba(18,40,63,.12)}
.card-tab{position:absolute;top:-14px;left:22px;background:var(--navy);color:#fff;font-size:11px;font-weight:700;letter-spacing:.14em;padding:6px 12px;border-radius:6px;text-transform:uppercase}
.quote-card h2{font-size:24px;margin:0 0 6px}.quote-card>p{font-size:14px;color:var(--ink-2)}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:16px 0}
.seg a{display:block;text-align:center;padding:14px 10px;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:700;font-size:14px;background:var(--paper)}
.seg a:hover{border-color:var(--navy)}.seg a small{display:block;font-weight:500;font-size:12px;color:var(--ink-3);margin-top:3px}
.check-list{list-style:none;padding:0;margin:14px 0 18px}.check-list li{position:relative;padding:5px 0 5px 26px;font-size:14px}
.check-list li:before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.btn-full{width:100%}.mini-proof{border-top:1px solid var(--line);margin-top:16px;padding-top:14px;display:flex;justify-content:space-between;font-size:11px;color:var(--ink-3)}
/* trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust .shell{min-height:72px;display:flex;align-items:center;gap:10px 28px;flex-wrap:wrap;padding-block:14px}
.trust span{font-size:13px;font-weight:600;color:var(--ink-2)}.trust span b{color:var(--ink)}
.trust span:not(:last-child):after{content:"·";margin-left:28px;color:var(--line)}
/* explainer */
.explain{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.explain article{position:relative;padding:26px 0 0;border-top:1px solid var(--line)}
.explain-n{position:absolute;top:-14px;left:0;width:28px;height:28px;border-radius:50%;background:var(--fault);color:#fff;font-size:13px;font-weight:700;display:grid;place-items:center}
.explain h3{font-size:22px;margin-bottom:8px}.explain p{font-size:15px;color:var(--ink-2);margin:0}.explain a{color:var(--fault-dark);font-weight:600}
/* quake shake */
.quote-card{will-change:transform}.quote-card.quaking{box-shadow:0 24px 60px rgba(194,65,12,.22)}
.inst-drum.quaking{background-color:#FFF4EC}
.inst-live.hot{color:var(--fault)}.inst-live.hot:before{background:var(--fault)}
/* split cards */
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.split article{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:36px;display:flex;flex-direction:column}
.split article header{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.icon{width:48px;height:48px;border-radius:10px;background:var(--navy);display:grid;place-items:center;flex:none}.icon svg{width:26px;height:26px}
.split h3{margin:0}.split p{color:var(--ink-2);font-size:15px}
.split ul{list-style:none;padding:0;margin:8px 0 22px;display:grid;gap:6px}.split li{font-size:14px;padding-left:22px;position:relative}
.split li:before{content:"";position:absolute;left:0;top:9px;width:10px;height:2px;background:var(--fault)}
.split .btn{margin-top:auto;align-self:flex-start}
/* steps */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:step}
.steps li{position:relative;padding-top:60px}
.steps li:before{counter-increment:step;content:counter(step,decimal-leading-zero);position:absolute;top:0;left:0;font-family:var(--serif);font-size:38px;color:var(--fault);line-height:1}
.steps li:not(:last-child):after{content:"";position:absolute;top:22px;left:60px;right:-14px;border-top:1px dashed var(--line)}
.steps h3{font-size:22px}.steps p{font-size:14px;color:var(--ink-2)}
/* compare table */
.compare{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center}
.compare-copy p{color:#B7C7D8;max-width:480px}.compare-copy .btn{margin-top:8px}
.ctable{background:#fff;color:var(--ink);border-radius:var(--radius);overflow:hidden;border:1px solid rgba(255,255,255,.1)}
.crow{display:grid;grid-template-columns:1.1fr 1fr 1fr;border-bottom:1px solid var(--line)}
.crow:last-of-type{border-bottom:0}.crow>span{padding:16px 18px;font-size:14px}.crow>span:first-child{font-weight:600}
.crow.head{background:var(--mist)}.crow.head>span{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-2)}
.crow .tag{display:inline-block;background:var(--fault-soft);color:var(--fault-dark);font-size:11px;font-weight:700;padding:2px 8px;border-radius:999px;margin-left:6px}
.ctable-foot{padding:12px 18px;font-size:11px;color:var(--ink-3);background:#fff;border-top:1px solid var(--line)}
/* deductible */
.ded{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.ded-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.ded-panel label{display:block;font-size:13px;font-weight:600;color:var(--ink-2);margin:14px 0 6px}
.ded-panel input[type=range]{width:100%;accent-color:var(--fault)}
.ded-panel .val{font-family:var(--serif);font-size:26px;color:var(--ink);font-variant-numeric:tabular-nums}
.ded-out{margin-top:22px;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.ded-out div{padding:16px;border-radius:10px;background:var(--mist)}
.ded-out div.pay{background:var(--fault-soft)}.ded-out span{display:block;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3);font-weight:700}
.ded-out strong{display:block;font-family:var(--serif);font-size:30px;font-variant-numeric:tabular-nums;margin-top:4px}
.bar{height:14px;border-radius:999px;background:var(--line);overflow:hidden;margin-top:18px;display:flex}
.bar i{display:block;height:100%;background:var(--fault)}.bar b{display:block;height:100%;background:var(--navy);flex:1}
.bar-key{display:flex;gap:18px;font-size:12px;color:var(--ink-2);margin-top:8px}.bar-key i,.bar-key b{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.bar-key i{background:var(--fault)}.bar-key b{background:var(--navy)}
/* numbers */
.nums{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.nums article{border-top:2px solid var(--fault);padding:24px 0 0}
.nums strong{display:block;font-family:var(--serif);font-size:clamp(44px,5vw,64px);line-height:1;color:var(--ink);margin-bottom:8px}
.nums p{font-size:15px;color:var(--ink-2);margin:0 0 6px}.nums small{font-size:11px;color:var(--ink-3)}
/* faq */
.faq{display:grid;grid-template-columns:.7fr 1.3fr;gap:64px}
.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;font-family:var(--serif);font-size:21px;padding-right:40px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:0;color:var(--fault);font-family:var(--sans);font-size:24px;line-height:1.1}
.faq details[open] summary:after{content:"–"}.faq details p{margin:12px 40px 0 0;color:var(--ink-2);font-size:15px}
/* posts */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.posts a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}
.posts a:hover{transform:translateY(-2px);box-shadow:0 14px 34px rgba(18,40,63,.1)}
.posts small{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--fault);font-weight:700}
.posts h3{font-size:22px;margin:10px 0 8px}.posts p{font-size:14px;color:var(--ink-2);margin:0}
/* final cta */
.final{background:linear-gradient(120deg,var(--navy-deep),var(--navy) 60%,#123A5C);color:#fff;padding:80px 0}
.final .shell{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}
.final p{color:#B7C7D8;max-width:520px}.final .btn-primary{box-shadow:none}
.final-actions{display:flex;gap:12px;flex-wrap:wrap}
/* footer */
footer{background:var(--navy-deep);color:#9FB3C8;padding:56px 0 100px}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.foot h4{font-family:var(--sans);font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:#fff;margin-bottom:14px}
.foot ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}.foot a{color:#DCE6F0;text-decoration:none;font-size:14px}.foot a:hover{text-decoration:underline}
.foot p{font-size:13px;margin:0 0 8px}.foot .brand strong{color:#fff}.foot .brand small{color:#9FB3C8}
.legal{margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);font-size:12px;line-height:1.6;color:#8AA0B8}
/* mobile sticky bar */
.mobile-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:50;background:#fff;border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:10px}
.mobile-bar .btn{flex:1;min-height:48px}
/* reveal */
.js .reveal{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.btn{transition:none}}
/* responsive */
@media (max-width:1000px){
  .nav-wrap nav{gap:16px}.nav-wrap nav>a:not(.btn):not(.nav-phone){display:none}
  .hero-grid{grid-template-columns:1fr;gap:40px;padding-top:56px}
  .steps{grid-template-columns:1fr 1fr}.steps li:nth-child(2):after{display:none}
  .compare,.ded,.faq{grid-template-columns:1fr;gap:36px}.nums,.posts,.explain{grid-template-columns:1fr}
  .foot{grid-template-columns:1fr 1fr}.final .shell{grid-template-columns:1fr}
}
@media (max-width:720px){
  .shell{width:min(100% - 32px,var(--shell))}
  .topbar .shell{justify-content:center;font-size:12px}.topbar .hide-sm,.topbar .hide-xs{display:none}.topbar .show-xs{display:inline}
  .nav-wrap{height:66px;gap:10px}.menu-toggle{display:block}.brand small{display:none}.brand strong{font-size:15px}
  .nav-wrap nav{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;padding:16px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:6px}
  .nav-wrap nav.open{display:flex}.nav-wrap nav>a:not(.btn):not(.nav-phone){display:block;padding:10px 4px}
  .nav-wrap nav .btn,.nav-wrap nav .nav-phone{display:none}
  .hero-grid{padding:40px 0 28px;gap:36px}.hero-actions .btn{width:100%}
  .inst-body{grid-template-columns:1fr 96px}.inst-drum{height:120px}.inst-read strong{font-size:30px}
  .section{padding:64px 0}.split,.steps{grid-template-columns:1fr}.steps li:after{display:none}
  .crow>span{padding:12px 10px;font-size:13px}
  .foot{grid-template-columns:1fr}.mobile-bar{display:flex}.final-actions .btn{width:100%}
}

/* ---- photos ---- */
.split article{padding:0;overflow:hidden}.split .card-body{padding:30px 36px 36px;display:flex;flex-direction:column;flex:1}
.split figure{margin:0;aspect-ratio:16/9;overflow:hidden;background:var(--mist)}.split figure.diagram{aspect-ratio:auto;background:var(--paper);border-bottom:1px solid var(--line)}.split figure.diagram img{height:auto;object-fit:contain}.split figure img{width:100%;height:100%;object-fit:cover;display:block}
.photo-band{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.photo-band>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 35%;opacity:.28;filter:saturate(.35)}
.photo-band .shell{position:relative;z-index:1}.photo-band .nums strong{color:#fff}.photo-band .nums p{color:#D5DFEA}.photo-band .nums small{color:#9FB3C8}.photo-band .eyebrow{color:#FFB48A}
.photo-band .photo-credit{position:absolute;right:16px;bottom:10px;font-size:10px;color:#9FB3C8;z-index:1}
/* ---- interior page ---- */
.page-hero{background:var(--paper);border-bottom:1px solid var(--line)}
.page-hero .shell{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding:56px 0}
.crumbs{font-size:13px;color:var(--ink-3);margin-bottom:18px}.crumbs a{color:var(--ink-2);text-decoration:none}.crumbs a:hover{text-decoration:underline}.crumbs span{margin:0 8px}
.page-hero figure{margin:0}.page-hero figure img{width:100%;height:auto;border-radius:var(--radius);display:block;box-shadow:0 24px 60px rgba(18,40,63,.16)}
.page-hero figcaption{font-size:12px;color:var(--ink-3);margin-top:10px;line-height:1.5}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.cards3.four{grid-template-columns:repeat(4,1fr)}
.section--navy .ctable{border:0}.section--navy .crow>span{font-size:14px}.section--navy .crow>span:first-child{color:var(--ink)}
.cards3 article{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.cards3 article.has-photo{padding-top:0}.cards3 figure{margin:0 -30px 20px;aspect-ratio:16/9;overflow:hidden;border-radius:var(--radius) var(--radius) 0 0}.cards3 figure img{width:100%;height:100%;object-fit:cover;display:block}
.cards3 h3{font-size:24px;margin-bottom:8px}.cards3 p{font-size:15px;color:var(--ink-2);margin:0 0 12px}.cards3 ul{margin:0;padding-left:18px;font-size:14px;color:var(--ink-2)}.cards3 li{margin:4px 0}
.cover{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.cover div{border-top:3px solid var(--line);padding-top:18px}.cover div.yes{border-color:var(--ok)}.cover div.no{border-color:var(--fault)}.cover div.maybe{border-color:#D9A441}
.cover h3{font-size:20px}.cover ul{list-style:none;padding:0;margin:0}.cover li{padding:7px 0;border-bottom:1px solid var(--line);font-size:14px;color:var(--ink-2)}.cover li b{color:var(--ink)}
.prose{max-width:720px}.prose p{font-size:17px;color:var(--ink-2)}.prose h2{margin-top:8px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.two figure{margin:0}.two figure img{width:100%;height:auto;border-radius:var(--radius);display:block}.two figcaption{font-size:12px;color:var(--ink-3);margin-top:10px}
.callout{background:var(--fault-soft);border-left:4px solid var(--fault);padding:20px 24px;border-radius:0 10px 10px 0;margin:24px 0}.callout p{margin:0;font-size:15px;color:var(--ink)}
.brand img{height:52px;width:auto;display:block}
@media (max-width:1000px){.cards3,.cards3.four,.cover{grid-template-columns:1fr}.page-hero .shell,.two{grid-template-columns:1fr;gap:32px}}
@media (max-width:720px){.split .card-body{padding:22px}.brand img{height:40px}}
/* ---- sample comparison sheet (pillar hero) ---- */
.sheet{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 24px 60px rgba(18,40,63,.12);overflow:hidden;font-variant-numeric:tabular-nums}
.sheet-head{display:flex;justify-content:space-between;padding:10px 16px;font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-3);border-bottom:1px solid var(--line);background:var(--paper)}
.sheet-row{display:grid;grid-template-columns:1.4fr 1fr 1fr;border-bottom:1px solid var(--line)}
.sheet-row>span{padding:13px 16px;font-size:14px}.sheet-row>span:first-child{font-weight:600}.sheet-row>span:not(:first-child){text-align:right}
.sheet-row.head{background:var(--mist)}.sheet-row.head>span{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-2)}
.sheet-row .win{color:var(--fault-dark);font-weight:700}
.sheet-foot{margin:0;padding:12px 16px;font-size:11px;color:var(--ink-3)}
.section--navy .ctable .crow>span{color:var(--ink)}
.two .ctable{border:1px solid var(--line)}.two .crow>span{font-size:14px}
.cards3 p.small strong{color:var(--fault-dark)}
@media (max-width:720px){.sheet-row>span{padding:10px 12px;font-size:13px}}
/* ---- posts and faq page ---- */
.post-head{background:var(--paper);border-bottom:1px solid var(--line);padding:48px 0 36px}.post-head h1{max-width:900px;font-size:clamp(34px,4.2vw,54px)}
.byline{display:flex;align-items:center;gap:12px;font-size:14px;color:var(--ink-2);margin:18px 0 0}.byline img{width:44px;height:53px;object-fit:cover;object-position:top;border-radius:8px}.byline a{color:var(--ink);font-weight:600}
.post-body{padding:48px 0 8px;max-width:760px}.post-body h2{font-size:clamp(26px,2.6vw,34px);margin-top:36px}.post-body h3{font-size:22px;margin-top:28px}.post-body p,.post-body li{font-size:17px;color:var(--ink-2);line-height:1.7}.post-body ul,.post-body ol{padding-left:22px}.post-body a{color:var(--fault-dark)}.post-body strong{color:var(--ink)}
.post-cta{max-width:760px;padding-bottom:64px}.post-cta .callout a{color:var(--fault-dark);font-weight:600}
.faq-a p,.faq-a li{color:var(--ink-2);font-size:15px}.faq-a{margin:12px 40px 0 0}.faq-a h3{font-size:17px;margin-top:14px}.faq-a ul{padding-left:20px}
/* ---- about, contact, quote, legal ---- */
.about-grid{display:grid;grid-template-columns:320px 1fr;gap:56px;align-items:start}
.about-grid img{width:100%;height:auto;border-radius:var(--radius);box-shadow:0 24px 60px rgba(18,40,63,.14)}
.facts{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}.facts li{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px solid var(--line);font-size:14px}.facts li span:last-child{font-weight:600;color:var(--ink);text-align:right}
.quote-wrap{max-width:860px;margin:0 auto}.cognito-shell{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;min-height:600px}
.legal-body{max-width:760px}.legal-body h2{font-size:24px;margin-top:32px}.legal-body h3{font-size:19px;margin-top:22px}.legal-body p,.legal-body li{font-size:16px;color:var(--ink-2);line-height:1.7}
.notice{background:var(--fault-soft);border:1px solid #F5C9B4;border-radius:10px;padding:14px 18px;font-size:14px;color:var(--ink);margin-bottom:24px}
@media (max-width:1000px){.about-grid{grid-template-columns:1fr}.about-grid img{max-width:360px}}