/* Title-loan template — "certificate of title" identity, set for easy reading.
   Security-paper neutrals, one committed ink (the form's primary colour) and
   an accent. The line work stays at the edges: the seal, the rosette behind
   the form, the road under the steps. All text is on one scale.
   The palette (--primary, --primary-deep, --highlight, --accent, --ink, --ink-2,
   --ink-3, --paper, --paper-2, --card) and --font / --font-display are injected
   per site in <head> from the site config's theme; this file only mixes them. */

:root {
  --rule: color-mix(in oklab, var(--primary) 13%, transparent);
  --rule-2: color-mix(in oklab, var(--primary) 28%, transparent);
  --primary-tint: color-mix(in oklab, var(--primary) 6%, #fff);
  --accent-light: color-mix(in oklab, var(--accent) 40%, #fff);

  /* Type roles. Every size on the site comes from this list. */
  --fs-caption: 0.8125rem; /* 13: captions, table notes, legal */
  --fs-small: 0.9375rem; /* 15: secondary text, nav, labels */
  --fs-body: 1.0625rem; /* 17: running text, buttons */
  --fs-lead: 1.25rem; /* 20: ledes, item headings */
  --fs-title: 1.625rem; /* 26: headings inside articles */
  --fs-section: clamp(1.875rem, 1.3rem + 1.9vw, 2.625rem); /* 30–42: section headings */
  --fs-display: clamp(2.375rem, 1.5rem + 3vw, 3.75rem); /* 38–60: page headings */

  --header-h: 72px;
  --gutter: clamp(16px, 4vw, 40px);
  --ease: cubic-bezier(0.2, 0.7, 0.2, 1);
  interpolate-size: allow-keywords;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; accent-color: var(--primary); }
body {
  margin: 0;
  font-family: var(--font);
  font-size: var(--fs-body);
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
::selection { background: color-mix(in oklab, var(--primary) 22%, #fff); color: var(--ink); }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-underline-offset: 0.2em; }
a[href^='tel:'] { white-space: nowrap; }
[id] { scroll-margin-top: calc(var(--header-h) + 16px); }
:focus-visible { outline: 2px solid var(--primary); outline-offset: 3px; }
.cta-band :focus-visible, .site-footer :focus-visible, .skip:focus-visible { outline-color: #fff; }

h1, h2, h3 { margin: 0; font-family: var(--font-display); color: var(--ink); text-wrap: balance; }
h1 { font-size: var(--fs-display); font-weight: 800; line-height: 1.05; letter-spacing: -0.025em; }
h2 { font-size: var(--fs-section); font-weight: 800; line-height: 1.1; letter-spacing: -0.02em; }
h3 { font-size: var(--fs-lead); font-weight: 700; line-height: 1.3; letter-spacing: -0.01em; }
p { text-wrap: pretty; }

.wrap { width: min(100% - 2 * var(--gutter), 1200px); margin-inline: auto; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip {
  position: absolute; left: 12px; top: -60px; z-index: 100;
  background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 3px;
}
.skip:focus { top: 12px; }

/* ---------- buttons ---------- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5em;
  min-height: 52px; padding: 0.75em 1.4em;
  font-size: var(--fs-body); font-weight: 700; line-height: 1.2; text-decoration: none;
  color: #fff; background: var(--primary); border-radius: 4px;
  box-shadow: inset 0 -3px 0 var(--primary-deep), 0 10px 22px -14px color-mix(in oklab, var(--primary) 80%, transparent);
  transition: transform 0.15s var(--ease), background-color 0.15s;
}
.btn:hover { background: color-mix(in oklab, var(--primary) 88%, #000); transform: translateY(-1px); }
.btn:active { transform: translateY(1px); }
.btn svg { width: 1.15em; height: 1.15em; transition: transform 0.2s var(--ease); }
.btn:hover svg { transform: translateX(3px); }
.btn-sm { min-height: 46px; padding: 0.7em 1.2em; font-size: var(--fs-small); }
.btn-light {
  color: var(--primary); background: #fff;
  box-shadow: inset 0 -3px 0 color-mix(in oklab, var(--primary) 22%, #fff), 0 12px 26px -14px rgba(0, 0, 0, 0.45);
}
.btn-light:hover { background: var(--primary-tint); }

.link-arrow {
  display: inline-flex; align-items: center; gap: 6px; min-height: 44px;
  color: var(--primary); font-weight: 700; text-decoration: none;
}
.link-arrow svg { width: 18px; height: 18px; transition: transform 0.2s var(--ease); }
.link-arrow:hover { text-decoration: underline; }
.link-arrow:hover svg { transform: translateX(3px); }

/* ---------- header ---------- */

.site-header {
  position: sticky; top: 0; z-index: 40;
  background: color-mix(in oklab, var(--paper) 92%, transparent);
  backdrop-filter: saturate(1.4) blur(10px);
  -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--rule);
  transition: box-shadow 0.2s;
}
.site-header.scrolled { box-shadow: 0 8px 24px -18px color-mix(in oklab, var(--ink) 50%, transparent); }
.header-row { display: flex; align-items: center; gap: 20px; height: var(--header-h); }

.logo { display: flex; align-items: center; gap: 10px; min-height: 44px; color: var(--ink); text-decoration: none; margin-right: auto; }
.seal { width: 40px; height: 40px; flex: none; }
.logo img { width: auto; height: 40px; }
.footer-brand .logo img { height: 36px; }
.wordmark {
  font-family: var(--font-display); font-size: var(--fs-lead); font-weight: 800;
  line-height: 1.1; letter-spacing: -0.015em; white-space: nowrap;
}
.wm-sub { font-weight: 600; color: var(--primary); }

.nav-list { display: flex; align-items: center; gap: 2px; margin: 0; padding: 0; list-style: none; }
.nav-list a {
  display: block; padding: 8px 12px; border-radius: 3px;
  font-size: var(--fs-small); font-weight: 600; color: var(--ink-2); text-decoration: none;
}
.nav-list a:hover { color: var(--primary); background: var(--primary-tint); }
.has-menu { position: relative; display: flex; align-items: center; }
.has-menu > a { padding-right: 4px; }
.menu-btn {
  display: grid; place-items: center; width: 28px; height: 32px; padding: 0;
  border: 0; border-radius: 3px; background: none; color: var(--ink-2); cursor: pointer;
}
.menu-btn svg { width: 16px; transition: transform 0.2s; }
.menu-btn[aria-expanded='true'] svg { transform: rotate(180deg); }
.states-menu {
  position: absolute; top: calc(100% + 12px); right: -150px; z-index: 5;
  display: none; width: min(620px, 90vw); padding: 18px 18px 12px;
  background: var(--card); border: 1px solid var(--rule-2); border-radius: 4px;
  box-shadow: 0 1px 2px color-mix(in oklab, var(--ink) 6%, transparent), 0 12px 22px -14px color-mix(in oklab, var(--ink) 40%, transparent);
}
.states-menu::before { content: ''; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
.menu-btn[aria-expanded='true'] + .states-menu { display: block; }
@media (hover: hover) and (min-width: 961px) {
  .has-menu:hover .states-menu { display: block; }
}
.menu-title { margin: 0 0 6px; padding: 0 8px; font-size: var(--fs-small); font-weight: 700; color: var(--ink); }
.states-menu ul { columns: 3; column-gap: 8px; margin: 0 0 8px; padding: 0; list-style: none; }
.states-menu li a { padding: 5px 8px; }
.menu-all {
  display: inline-flex !important; align-items: center; gap: 6px;
  color: var(--primary) !important; font-weight: 700 !important;
}
.menu-all svg { width: 16px; }

.call {
  display: flex; align-items: center; gap: 10px; flex: none;
  padding: 5px 16px 5px 5px; border: 1px solid var(--rule-2); border-radius: 999px;
  background: var(--card); color: var(--ink); text-decoration: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.call:hover { border-color: var(--primary); box-shadow: 0 6px 16px -10px var(--primary); }
.call-icon {
  display: grid; place-items: center; width: 36px; height: 36px; border-radius: 50%;
  background: var(--primary); color: #fff;
}
.call-icon svg { width: 17px; height: 17px; }
.call-text { display: flex; flex-direction: column; line-height: 1.25; }
.call-label { font-size: var(--fs-caption); font-weight: 600; color: var(--ink-2); }
.call-num { font-weight: 800; color: var(--primary); }

.nav-toggle {
  display: none; width: 44px; height: 44px; padding: 0; flex: none;
  border: 1px solid var(--rule-2); border-radius: 4px; background: var(--card); cursor: pointer;
}
.bars, .bars::before, .bars::after {
  display: block; width: 20px; height: 2px; margin: 0 auto; background: var(--ink);
  transition: transform 0.2s var(--ease), opacity 0.2s;
}
.bars { position: relative; }
.bars::before, .bars::after { content: ''; position: absolute; left: 0; }
.bars::before { top: -6px; }
.bars::after { top: 6px; }
.nav-open .bars { background: transparent; }
.nav-open .bars::before { transform: translateY(6px) rotate(45deg); }
.nav-open .bars::after { transform: translateY(-6px) rotate(-45deg); }

/* ---------- hero ---------- */

.hero {
  position: relative; isolation: isolate; overflow: hidden;
  padding: clamp(32px, 5vw, 72px) 0 clamp(44px, 6vw, 88px);
  background: linear-gradient(180deg, var(--paper) 0%, var(--paper-2) 100%);
  border-bottom: 1px solid var(--rule);
}
.hero-grid {
  display: grid; grid-template-columns: minmax(0, 1.04fr) minmax(0, 0.96fr);
  gap: clamp(28px, 5vw, 72px); align-items: start;
}
.hero-copy { padding-top: clamp(0px, 2vw, 28px); }
.hero h1 { margin-bottom: 20px; }
.hero h1 span { color: var(--highlight); }
.hero-lede { max-width: 40ch; margin: 0; font-size: var(--fs-lead); line-height: 1.5; color: var(--ink-2); }
.ticks { display: grid; gap: 14px; margin: 30px 0 0; padding: 0; list-style: none; }
.ticks li { display: flex; align-items: center; gap: 12px; font-weight: 600; }
.ticks svg {
  width: 26px; height: 26px; flex: none; padding: 5px; border-radius: 50%;
  color: #fff; background: var(--primary);
  box-shadow: 0 0 0 3px var(--paper), 0 0 0 4px var(--rule-2);
}

/* The rosette sits behind the form like the seal behind a certificate. It fades
   out at the form's left edge so no line work ever runs under the copy. */
.hero-form { position: relative; }
.hero-art { position: absolute; inset: 0; z-index: -1; pointer-events: none; }
.hero-art img {
  position: absolute; top: 50%; left: 50%; width: 170%; max-width: none; height: auto;
  translate: -50% -50%; opacity: 0.22;
  /* 20.59% = (170% - 100%) / 2 / 170%: the form's left edge within the image. */
  -webkit-mask-image: linear-gradient(90deg, transparent calc(20.59% - 24px), #000 calc(20.59% + 140px));
  mask-image: linear-gradient(90deg, transparent calc(20.59% - 24px), #000 calc(20.59% + 140px));
  animation: rosette-in 1.2s var(--ease) backwards;
}
@keyframes rosette-in { from { opacity: 0; rotate: -10deg; } }

/* ---------- the document card that holds the form ---------- */

.doc {
  position: relative; padding: 7px;
  background: var(--card) url('/assets/band.svg') repeat 0 0 / 60px 14px;
  border: 1px solid var(--rule-2); border-radius: 4px;
  box-shadow: 0 1px 2px color-mix(in oklab, var(--ink) 6%, transparent), 0 14px 24px -16px color-mix(in oklab, var(--ink) 42%, transparent);
}
/* The promises stack one per line in a narrow card and sit in three equal,
   ruled columns in a wide one, so they never wrap two-and-one. The size query
   is on the list, not on .doc: containment on an ancestor of the form would
   trap its fixed-position pop-ups. */
.doc-head {
  container-type: inline-size;
  display: flex; flex-wrap: wrap; row-gap: 4px; margin: 0; padding: 11px 16px; list-style: none;
  background: var(--primary); color: #fff;
  font-size: var(--fs-small); font-weight: 600; line-height: 1.35;
}
.doc-head li { display: flex; flex: 1 0 100%; align-items: center; gap: 7px; }
.doc-head svg { width: 16px; height: 16px; flex: none; color: var(--accent-light); }
@container (min-width: 27rem) {
  .doc-head li { flex: 1 1 0; flex-direction: column; justify-content: flex-start; gap: 4px; padding-inline: 8px; text-align: center; text-wrap: balance; }
  .doc-head li + li { border-left: 1px solid color-mix(in oklab, #fff 26%, transparent); }
}
.doc-body { min-height: 300px; background: var(--ef-color-bg-card, var(--primary-tint)); }
/* The form ships as its own floating card. Inside .doc it becomes the
   document's body instead; if these class names ever change, the fallback
   is simply a card inside the card. */
.doc .ef-container {
  max-width: none; padding: 12px clamp(14px, 2.4vw, 26px) 0;
  border: 0; border-radius: 0; box-shadow: none;
}
.doc-foot {
  margin: 0; padding: 12px 16px; background: var(--card); border-top: 1px solid var(--rule);
  font-size: var(--fs-small); color: var(--ink-2);
}
.doc-foot a { color: var(--primary); font-weight: 700; }

/* ---------- on-this-page strip ---------- */

.toc { background: var(--card); border-bottom: 1px solid var(--rule); }
.toc ul { display: flex; margin: 0; padding: 0; list-style: none; }
.toc li { flex: 1 0 auto; }
.toc li + li { border-left: 1px solid var(--rule); }
.toc a {
  display: flex; align-items: center; justify-content: center;
  min-height: 56px; padding: 8px 18px; text-align: center; text-decoration: none;
  font-size: var(--fs-small); font-weight: 600; color: var(--ink-2);
  transition: background-color 0.15s, color 0.15s;
}
.toc a:hover { color: var(--primary); background: var(--primary-tint); }

/* ---------- sections ---------- */

.section { padding: clamp(64px, 8vw, 112px) 0; }
.section-head { max-width: 720px; margin-bottom: clamp(32px, 4vw, 52px); }
.center { margin: clamp(36px, 4vw, 52px) 0 0; text-align: center; }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 24px; margin: 28px 0 0; }

/* Heading on the left (sticky on wide screens), content on the right. */
.split {
  display: grid; grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: clamp(32px, 6vw, 96px); align-items: start;
}
.split-head { position: sticky; top: calc(var(--header-h) + 36px); }
.split-head > p { max-width: 44ch; margin: 18px 0 0; color: var(--ink-2); }
.split-head > p a { color: var(--primary); font-weight: 600; }
.split-head .link-arrow { margin-top: 12px; }

/* Steps sit on a road; the step numbers are its mile markers. */
.route { position: relative; display: grid; gap: 36px; margin: 0; padding: 0; list-style: none; }
.route::before {
  content: ''; position: absolute; left: 22px; top: 0; bottom: 0; width: 14px; border-radius: 2px;
  background: linear-gradient(180deg, var(--accent) 55%, transparent 0) 50% 0 / 2px 30px repeat-y, var(--ink);
  transform-origin: top; transition: transform 1.2s var(--ease);
}
.js .route::before { transform: scaleY(0); }
.js .route.in::before { transform: none; }
.route li { position: relative; min-height: 58px; padding: 8px 0 0 84px; }
.mile {
  position: absolute; top: 0; left: 0;
  display: grid; place-items: center; width: 58px; height: 58px;
  font-size: var(--fs-title); font-weight: 800; line-height: 1;
  color: #fff; background: var(--primary);
  border: 3px solid var(--paper); outline: 1.5px solid var(--primary); border-radius: 6px;
}
.route h3 { margin: 0 0 6px; }
.route p { max-width: 56ch; margin: 0; color: var(--ink-2); }
.route .note { margin-top: 10px; font-size: var(--fs-small); }
.route .note strong { color: var(--ink); }

/* Why (and a state's "before you borrow"): a ruled ledger on a card band. */
.why, .band { background: var(--card); border-block: 1px solid var(--rule); }
.ledger {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr));
  margin: 0; padding: 0; list-style: none; border-top: 2px solid var(--ink);
}
.ledger li { padding: 28px 28px 32px 0; border-bottom: 1px solid var(--rule-2); }
.ledger li:not(:nth-child(3n + 1)) { padding-left: 28px; border-left: 1px solid var(--rule); }
.ledger h3 { margin: 0 0 8px; }
.ledger p { max-width: 60ch; margin: 0; color: var(--ink-2); }
.ledger a { color: var(--primary); font-weight: 600; }
.ledger-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.ledger-2 li:nth-child(odd) { padding-left: 0; border-left: 0; }
.ledger-2 li:nth-child(even) { padding-left: 28px; border-left: 1px solid var(--rule); }

/* A state's law as a ruled record, like the face of a title certificate:
   field names down a margin rule, the law's own words beside them. */
.record { background: var(--card); border: 1px solid var(--rule-2); border-radius: 4px; }
.record-head {
  display: flex; flex-wrap: wrap; align-items: center; gap: 8px 12px; margin: 0; padding: 14px 22px;
  border-bottom: 2px solid var(--ink); font-weight: 700;
}
.record-status { display: inline-flex; align-items: center; gap: 6px; margin-left: auto; font-size: var(--fs-small); color: var(--primary); }
.record-status svg { width: 18px; height: 18px; }
.record-status.is-restricted { color: var(--ink); font-weight: 600; }
.record dl { position: relative; margin: 0; }
.record dl::before {
  content: ''; position: absolute; top: 0; bottom: 0; left: calc(22px + 7.5rem + 10px); width: 1px;
  background: color-mix(in oklab, var(--accent) 55%, transparent);
}
.record dl > div {
  display: grid; grid-template-columns: 7.5rem minmax(0, 1fr); column-gap: 20px;
  padding: 16px 22px; border-bottom: 1px solid var(--rule);
}
.record dt { padding-top: 1px; font-size: var(--fs-small); font-weight: 700; color: var(--ink-2); }
.record dd { margin: 0; }
.record dd p { margin: 0; }
.record dd p + p { margin-top: 0.6em; }
.record dd a { color: var(--primary); font-weight: 600; }
.record-note { margin: 0; padding: 14px 22px 16px; font-size: var(--fs-small); color: var(--ink-2); }

/* Requirements: a checklist on ledger paper. */
.checklist { position: relative; background: var(--card); border: 1px solid var(--rule-2); border-radius: 4px; }
.checklist-head {
  display: flex; justify-content: space-between; gap: 12px; margin: 0; padding: 14px 22px;
  border-bottom: 2px solid var(--ink); font-size: var(--fs-small); font-weight: 700;
}
.checklist-head span:last-child { font-weight: 500; color: var(--ink-2); }
.checklist ul { position: relative; margin: 0; padding: 0; list-style: none; }
.checklist ul::before {
  content: ''; position: absolute; top: 0; bottom: 0; left: 64px; width: 1px;
  background: color-mix(in oklab, var(--accent) 55%, transparent);
}
.checklist li {
  display: grid; grid-template-columns: 64px minmax(0, 1fr); column-gap: 18px;
  padding: 18px 22px 18px 0; border-bottom: 1px solid var(--rule);
}
.checklist li:last-child { border-bottom: 0; }
.box {
  display: grid; place-items: center; justify-self: center; width: 24px; height: 24px; margin-top: 1px;
  background: var(--card); border: 1.5px solid var(--ink); border-radius: 3px; color: var(--primary);
}
.box svg { width: 20px; height: 20px; }
.box path { stroke-dasharray: 18; transition: stroke-dashoffset 0.4s var(--ease); }
.js .checklist .box path { stroke-dashoffset: 18; }
.js .checklist.in .box path { stroke-dashoffset: 0; }
.checklist li:nth-child(1) path { transition-delay: 0.1s; }
.checklist li:nth-child(2) path { transition-delay: 0.2s; }
.checklist li:nth-child(3) path { transition-delay: 0.3s; }
.checklist li:nth-child(4) path { transition-delay: 0.4s; }
.checklist li:nth-child(5) path { transition-delay: 0.5s; }
.checklist li:nth-child(6) path { transition-delay: 0.6s; }
.checklist h3 { margin: 0 0 2px; font-size: var(--fs-body); }
.checklist li p { margin: 0; font-size: var(--fs-small); color: var(--ink-2); }

/* Reviews (rendered only when config.reviews has entries). */
.reviews { background: var(--card); border-block: 1px solid var(--rule); }
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; margin: 0; padding: 0; list-style: none; }
.review-grid figure { height: 100%; margin: 0; padding: 26px; background: var(--paper); border: 1px solid var(--rule-2); border-radius: 4px; }
.stars { display: flex; gap: 2px; color: var(--accent); }
.stars svg { width: 18px; height: 18px; }
.review-grid blockquote { margin: 14px 0 18px; color: var(--ink-2); }
.review-title { margin: 0 0 6px; font-size: var(--fs-lead); font-weight: 700; color: var(--ink); }
.review-grid figcaption { font-weight: 600; }
.review-grid figcaption span { font-weight: 400; color: var(--ink-2); }

/* Explainer: ruled answers. */
.explainer { border-top: 1px solid var(--rule); }
.qa article { padding: 28px 0; border-top: 1px solid var(--rule-2); }
.qa article:first-child { padding-top: 0; border-top: 0; }
.qa h3 { margin: 0 0 8px; }
.qa p { max-width: 62ch; margin: 0; }
.state-note p:first-child { margin-top: 0; }

/* Disclosure, styled after the federal Truth in Lending box. */
.disclosure { background: var(--paper-2); border-top: 1px solid var(--rule); }
.tila { max-width: 1060px; }
.tila h2 { max-width: 28ch; font-size: var(--fs-title); line-height: 1.2; letter-spacing: -0.015em; }
.tila-copy { margin-top: 20px; columns: 2 340px; column-gap: 44px; font-size: var(--fs-small); color: var(--ink-2); }
.tila-copy p { margin: 0 0 1em; break-inside: avoid; }
.tila-table {
  width: 100%; margin: 26px 0 0; border-collapse: collapse;
  background: var(--card); border: 2px solid var(--ink); font-variant-numeric: tabular-nums;
}
.tila-table caption { caption-side: bottom; padding-top: 10px; text-align: left; font-size: var(--fs-caption); color: var(--ink-3); }
.tila-table th {
  padding: 12px 14px; vertical-align: top; text-align: left; border: 1px solid var(--ink);
  font-size: var(--fs-small); font-weight: 700; line-height: 1.3;
}
.tila-table th span { display: block; margin-top: 4px; font-size: var(--fs-caption); font-weight: 400; line-height: 1.4; color: var(--ink-3); }
.tila-wide th:nth-child(2), .tila-wide th:nth-child(3) { background: var(--primary-tint); border-width: 2px; }
.tila-table td { padding: 12px 14px; border: 1px solid var(--rule-2); }
.tila-wide td:nth-child(2) { color: var(--primary); font-weight: 700; }
.tila-table small { display: block; font-size: var(--fs-caption); line-height: 1.4; color: var(--ink-3); }
.tila-compare { display: none; }
.tila h3 { margin: 30px 0 8px; }
.tila-notes { max-width: 75ch; margin: 0; padding-left: 1.2em; font-size: var(--fs-small); color: var(--ink-2); }
.tila-notes li { margin: 0.35em 0; }
.tila-notes li::marker { color: var(--accent); }
.tila-notes strong { color: var(--ink); }

/* Closing call to action. */
.cta-band {
  padding: clamp(64px, 8vw, 104px) 0; color: #fff;
  background:
    url('/assets/band-light.svg') repeat-x 0 0 / 120px 28px,
    url('/assets/band-light.svg') repeat-x 0 100% / 120px 28px,
    linear-gradient(115deg, var(--primary) 0%, var(--primary-deep) 100%);
}
.cta-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 28px 40px; }
.cta-band h2 { margin: 0 0 10px; color: #fff; }
.cta-band p { margin: 0; font-size: var(--fs-lead); color: #fff; }
.cta-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 8px; }
.cta-phone { display: inline-flex; align-items: center; min-height: 44px; padding-left: 4px; color: #fff; font-weight: 600; }

/* ---------- inner pages ---------- */

.page-head {
  position: relative; isolation: isolate; overflow: hidden;
  padding: clamp(32px, 5vw, 72px) 0 clamp(34px, 5vw, 56px);
  background: var(--paper-2); border-bottom: 1px solid var(--rule);
}
.page-head-art { position: absolute; inset: 0; z-index: -1; pointer-events: none; }
.page-head-art img { position: absolute; top: -280px; right: -220px; width: 780px; max-width: none; height: auto; opacity: 0.2; }
.crumbs ol {
  display: flex; flex-wrap: wrap; gap: 4px 8px; margin: 0 0 14px; padding: 0; list-style: none;
  font-size: var(--fs-small); color: var(--ink-2);
}
.crumbs li + li::before { content: '/'; margin-right: 8px; color: var(--ink-3); }
.crumbs a { color: var(--primary); font-weight: 600; text-decoration: none; }
.crumbs a:hover { text-decoration: underline; }
.page-head h1 { max-width: 22ch; margin: 0 0 16px; }
.page-head h1 span { color: var(--highlight); }
.page-lede { max-width: 56ch; margin: 0 0 24px; font-size: var(--fs-lead); line-height: 1.5; color: var(--ink-2); }

.page-grid {
  display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, 440px);
  gap: clamp(36px, 5vw, 72px); align-items: start; padding: clamp(44px, 6vw, 84px) 0;
}
.page-grid.no-aside { grid-template-columns: minmax(0, 760px); }
/* Keep the form in view beside long articles (sticky does not affect the
   form's own fixed-position layers). */
@media (min-width: 961px) {
  .page-aside { position: sticky; top: calc(var(--header-h) + 24px); }
}

.prose { max-width: 68ch; }
.prose > :first-child { margin-top: 0; }
.prose p, .prose ul { margin: 0 0 1.1em; }
.prose h2 { margin: 1.8em 0 0.45em; font-size: var(--fs-title); line-height: 1.2; letter-spacing: -0.015em; }
.prose .lede { font-size: var(--fs-lead); line-height: 1.5; color: var(--ink-2); }
.prose ul { padding-left: 1.2em; }
.prose li { margin: 0.4em 0; }
.prose li::marker { color: var(--primary); }
.prose a:not(.btn) { color: var(--primary); font-weight: 600; }
.legal h2 { font-size: var(--fs-lead); letter-spacing: -0.01em; }

.faq-list { border-top: 2px solid var(--ink); }
.faq-item { padding: 24px 0 22px; border-bottom: 1px solid var(--rule-2); }
.prose .faq-item h2 { margin: 0 0 8px; font-size: var(--fs-lead); line-height: 1.3; letter-spacing: -0.01em; }
.faq-a > :last-child { margin-bottom: 0; }

.state-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: 10px;
  margin: 22px 0 0; padding: 0; list-style: none;
}
.prose .state-grid { padding: 0; }
.prose .state-grid li { margin: 0; }
.state-grid a {
  display: flex; align-items: center; gap: 12px; min-height: 48px; padding: 8px 12px;
  background: var(--card); border: 1px solid var(--rule-2); border-radius: 4px;
  font-weight: 600; color: var(--ink) !important; text-decoration: none;
  transition: border-color 0.15s, transform 0.15s var(--ease), box-shadow 0.15s;
}
.state-grid a:hover { border-color: var(--primary); transform: translateY(-1px); box-shadow: 0 8px 18px -12px var(--primary); }
.plate {
  min-width: 38px; padding: 1px 6px; text-align: center;
  font-size: var(--fs-caption); font-weight: 700; letter-spacing: 0.04em;
  color: var(--primary); background: var(--primary-tint); border: 1.5px solid var(--primary); border-radius: 4px;
}

/* ---------- footer ---------- */

.site-footer { font-size: var(--fs-small); color: rgba(255, 255, 255, 0.76); background: var(--ink); }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1.4fr 1fr; gap: 40px; padding: 52px 0 40px; }
.footer-brand p { margin: 12px 0 0; }
.footer-h { margin: 0 0 4px; font-weight: 700; color: #fff; }
.site-footer ul { display: grid; margin: 0; padding: 0; list-style: none; }
.footer-states { grid-template-columns: 1fr 1fr; column-gap: 16px; }
.site-footer a { color: rgba(255, 255, 255, 0.88); text-decoration: none; }
.site-footer li a, .footer-brand a[href^='tel:'] { display: inline-block; padding: 10px 0; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.logo-light { color: #fff; }
.logo-light .wm-sub { color: var(--accent-light); }
.footer-legal {
  padding: 28px 0 44px; border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: var(--fs-caption); line-height: 1.55; color: rgba(255, 255, 255, 0.68);
}
.footer-legal p { max-width: 75ch; margin: 0 0 0.8em; }
.copyright { margin-top: 1.4em !important; }

/* ---------- responsive ---------- */

@media (max-width: 1100px) {
  .call-label { display: none; }
  .nav-list a { padding: 8px 9px; }
  .page-head-art { display: none; }
}

@media (max-width: 960px) {
  :root { --header-h: 64px; }
  .header-row { gap: 10px; }
  .nav-toggle { display: grid; place-items: center; }
  .nav {
    position: absolute; top: var(--header-h); left: 0; right: 0;
    display: none; padding: 8px var(--gutter) 20px;
    background: var(--paper); border-bottom: 1px solid var(--rule-2);
    box-shadow: 0 20px 32px -24px color-mix(in oklab, var(--ink) 50%, transparent);
  }
  .nav-open .nav { display: block; }
  .nav-list { flex-direction: column; align-items: stretch; }
  .nav-list li { border-bottom: 1px solid var(--rule); }
  .nav-list a { padding: 14px 4px; font-size: var(--fs-body); color: var(--ink); }
  .menu-btn, .states-menu { display: none !important; }
  .call { padding: 0; border: 0; background: none; }
  .call-text { display: none; }
  .call-icon { width: 44px; height: 44px; }

  .hero-grid, .split, .page-grid { grid-template-columns: minmax(0, 1fr); }
  .split-head { position: static; }
  /* Headline and lede, then the form (its header carries the reassurance),
     then the benefits. */
  .hero-grid { gap: 0; }
  .hero-copy { display: contents; }
  .hero-form { order: 1; margin-top: 24px; }
  .ticks { order: 2; margin-top: 28px; }
  .hero-art { display: none; }

  .ledger { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .ledger li, .ledger li:not(:nth-child(3n + 1)) { padding: 24px 22px 28px 0; border-left: 0; }
  .ledger li:nth-child(even) { padding-left: 22px; border-left: 1px solid var(--rule); }

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

@media (max-width: 640px) {
  .seal { width: 36px; height: 36px; }
  .logo img { height: 36px; }
  .doc { padding: 5px; }
  .doc-head { padding: 10px 12px; }
  .doc-body { padding: 14px; }
  .doc-foot { padding: 12px; }

  .toc ul { display: grid; grid-template-columns: 1fr 1fr; }
  .toc li + li { border-left: 0; }
  .toc li { border-top: 1px solid var(--rule); }
  .toc li:nth-child(-n + 2) { border-top: 0; }
  .toc li:nth-child(even) { border-left: 1px solid var(--rule); }
  .toc li:last-child:nth-child(odd) { grid-column: 1 / -1; }
  .toc a { min-height: 52px; padding: 8px 12px; }

  .route li { padding-left: 76px; }

  .ledger { grid-template-columns: minmax(0, 1fr); }
  .ledger li, .ledger li:nth-child(even), .ledger li:not(:nth-child(3n + 1)) { padding: 22px 0 24px; border-left: 0; }

  .record dl::before { display: none; }
  .record dl > div { grid-template-columns: minmax(0, 1fr); row-gap: 4px; padding: 14px 16px; }
  .record-head, .record-note { padding-inline: 16px; }

  .checklist ul::before { left: 52px; }
  .checklist li { grid-template-columns: 52px minmax(0, 1fr); column-gap: 14px; padding-right: 16px; }
  .checklist-head { padding: 12px 16px; }

  /* Phones get the same disclosure with one column per example, so the three
     can be compared side by side without scrolling back. */
  .tila-wide { display: none; }
  .tila-compare { display: table; table-layout: fixed; }
  .tila-compare thead th { padding: 10px 6px; text-align: center; background: var(--primary-tint); }
  .tila-compare thead th + th { border-left-width: 1px; }
  .tila-compare thead small { font-weight: 400; }
  .tila-compare tbody th {
    padding: 10px 12px 0; border: 0; border-top: 1px solid var(--rule-2);
    font-size: var(--fs-caption); font-weight: 700; color: var(--ink-2);
  }
  .tila-compare td { padding: 2px 4px 10px; border: 0; text-align: center; }
  .tila-compare .apr td { color: var(--primary); font-weight: 700; }

  .cta-actions, .cta-actions .btn { width: 100%; }
  .cta-actions { align-items: stretch; text-align: center; }
  .cta-phone { justify-content: center; }

  .footer-grid { grid-template-columns: minmax(0, 1fr); gap: 28px; padding-top: 40px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .js .route::before { transform: none; }
  .js .checklist .box path { stroke-dashoffset: 0; }
}