:root{--navy:#0b1f3d;--navy2:#12315c;--blue:#2558a5;--blue-d:#1b4585;--sky:#eaf1fb;--sky2:#d7e5f8;--gold:#c8963e;--gold-l:#f5ce62;--gold-d:#8a6320;--teal:#17756f;--teal-l:#dff3f1;--coral:#c4472f;--coral-l:#fde6e0;--cream:#f8f6f1;--ink:#1b2430;--mute:#52606f;--line:#e3dfd3;--white:#fff;--ok:#1f7a4d;--r:16px;--shadow:0 10px 30px rgba(11,31,61,.10);--shadow-l:0 18px 44px rgba(11,31,61,.16)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:84px}
body{margin:0;font:17px/1.65 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:Fraunces,Georgia,serif;color:var(--navy);line-height:1.18;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2rem,6vw,3.4rem)}h2{font-size:clamp(1.6rem,4vw,2.4rem)}h3{font-size:1.2rem}
p{margin:0 0 1em}a{color:var(--blue)}img{max-width:100%;height:auto}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(11,31,61,.05)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:Fraunces,serif;font-weight:600;font-size:1.15rem;line-height:1.15}
.brand .mono{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--blue),var(--navy));color:var(--gold-l);display:grid;place-items:center;font-size:1rem;letter-spacing:.5px;flex:none}
.brand small{display:block;font:500 .66rem Inter,sans-serif;color:var(--mute);letter-spacing:.07em;text-transform:uppercase;margin-top:2px}
nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;align-items:center}
nav a{white-space:nowrap;text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem;position:relative;padding:6px 0}
nav li:not(:last-child) a::after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--gold);transform:scaleX(0);transition:.2s}
nav a:hover::after,nav a[aria-current]::after{transform:scaleX(1)}nav a:hover,nav a[aria-current]{color:var(--blue)}
.menu-btn{display:none;background:var(--navy);border:0;border-radius:12px;padding:11px 16px;font:600 .92rem Inter;color:#fff;min-height:44px}
@media(max-width:1100px){.menu-btn{display:block}nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:3px solid var(--gold);padding:8px 20px 22px;box-shadow:var(--shadow-l);max-height:calc(100vh - 70px);overflow:auto}nav.open{display:block}nav ul{flex-direction:column;align-items:stretch;gap:0}nav li a{display:block;padding:15px 4px;border-bottom:1px solid var(--line);font-size:1.05rem}nav li a::after{display:none}nav li:last-child{margin-top:14px}nav li:last-child .btn{width:100%}}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:12px 26px;border-radius:999px;font:600 1rem Inter,sans-serif;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.18s;text-align:center}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 6px 16px rgba(11,31,61,.25)}.btn-primary:hover{background:var(--blue);transform:translateY(-1px)}
.btn-gold{background:linear-gradient(180deg,#e0ad4f,var(--gold));color:#1b1305;box-shadow:0 6px 16px rgba(200,150,62,.35)}.btn-gold:hover{background:linear-gradient(180deg,#ebba5f,#d29c40);transform:translateY(-1px)}
.btn-blue{background:var(--blue);color:#fff}.btn-blue:hover{background:var(--blue-d)}
.btn-ghost{background:transparent;border-color:var(--navy);color:var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{background:var(--gold-l)}
.btn-sm{min-height:42px;padding:8px 20px;font-size:.92rem}
.row{display:flex;flex-wrap:wrap;gap:12px}
/* hero */
.hero{position:relative;overflow:hidden;padding:64px 0 76px;color:#dbe6f6;background:radial-gradient(900px 480px at 88% -8%,rgba(37,88,165,.75),transparent 62%),radial-gradient(700px 380px at -8% 112%,rgba(200,150,62,.28),transparent 60%),linear-gradient(135deg,#081a35,#12315c)}
.hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(245,206,98,.07);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{color:#fff}.hero .lead{color:#c9d8ee}
.hero .eyebrow{color:var(--gold-l)}.hero .note{color:#b4c5df;border-left-color:var(--gold-l)}
.hero .btn-ghost{border-color:rgba(255,255,255,.7);color:#fff}.hero .btn-ghost:hover{background:#fff;color:var(--navy)}
.eyebrow{display:inline-block;font:600 .78rem Inter;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-d);margin-bottom:14px}
.lead{font-size:1.15rem;color:var(--mute)}
.portrait{position:relative;border-radius:26px;overflow:hidden;background:#fff;box-shadow:0 0 0 6px rgba(245,206,98,.9),var(--shadow-l);aspect-ratio:4/5}
.portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 18%;display:block}
.badge{position:absolute;left:12px;right:12px;bottom:12px;background:rgba(8,26,53,.94);color:#fff;border-radius:12px;padding:12px 16px;font-size:.88rem;border-left:4px solid var(--gold-l)}
.badge b{display:block;font-family:Fraunces,serif;font-size:1.1rem}
.hero .portrait{max-width:420px;margin-left:auto}
@media(max-width:860px){.hero{padding:34px 0 46px}.hero .wrap{grid-template-columns:1fr;gap:26px;text-align:center}.hero .portrait{order:-1;width:min(230px,62vw);aspect-ratio:1/1;border-radius:50%;margin:0 auto;box-shadow:0 0 0 5px rgba(245,206,98,.9),var(--shadow-l)}.hero .portrait img{object-position:50% 14%}.hero .badge{display:none}.hero .row{justify-content:center}.hero .note{text-align:left;max-width:520px;margin-inline:auto}}
@media(max-width:480px){.hero .row .btn{flex:1 1 100%}}
/* trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:2}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.trust .it{display:flex;gap:12px;align-items:center;padding:18px 16px;border-right:1px solid var(--line)}.trust .it:last-child{border-right:0}
.trust .it b{display:block;font-size:.95rem;color:var(--navy);line-height:1.25}.trust .it span{font-size:.8rem;color:var(--mute);line-height:1.3;display:block}
.trust .ico{margin:0;width:42px;height:42px;flex:none}
@media(max-width:900px){.trust .wrap{grid-template-columns:1fr 1fr}.trust .it{border-bottom:1px solid var(--line)}.trust .it:nth-child(2n){border-right:0}.trust .it:nth-last-child(-n+2){border-bottom:0}}
@media(max-width:480px){.trust .it{padding:14px 10px;gap:9px}.trust .ico{width:36px;height:36px}.trust .it b{font-size:.84rem}.trust .it span{font-size:.72rem}}
/* sections */
section{padding:72px 0}.alt{background:#fff;border-block:1px solid var(--line)}.sky{background:var(--sky)}.sand{background:linear-gradient(180deg,#fff8e6,#fff)}
.dark{background:radial-gradient(700px 300px at 90% 0,rgba(37,88,165,.6),transparent 60%),linear-gradient(135deg,var(--navy),var(--navy2));color:#dbe6f6}.dark h2,.dark h3{color:#fff}.dark .lead{color:#c5d4ea}.dark .eyebrow{color:var(--gold-l)}
.center{text-align:center}.center .lead{max-width:660px;margin-inline:auto}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
@media(max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr;gap:28px}}@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}section{padding:50px 0}.grid{gap:16px}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 2px 8px rgba(11,31,61,.04);position:relative}
.card.top{border-top:5px solid var(--blue)}.card.top.gold{border-top-color:var(--gold)}.card.top.teal{border-top-color:var(--teal)}.card.top.coral{border-top-color:var(--coral)}
.card h3{margin-bottom:.4em}.card p:last-child{margin:0}
a.card{text-decoration:none;color:inherit;display:block;transition:.18s}a.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-l);border-color:var(--gold)}
a.card .more{display:inline-block;margin-top:10px;font-weight:600;font-size:.92rem;color:var(--blue)}
.ico{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;margin-bottom:14px;background:var(--sky2);color:var(--blue)}
.ico svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.ico.gold{background:#fbefcf;color:var(--gold-d)}.ico.teal{background:var(--teal-l);color:var(--teal)}.ico.coral{background:var(--coral-l);color:var(--coral)}.ico.navy{background:var(--navy);color:var(--gold-l)}
.steps{counter-reset:s;display:grid;gap:14px;padding:0;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px 18px 78px;position:relative;box-shadow:0 2px 8px rgba(11,31,61,.04)}
.steps li::before{content:counter(s);position:absolute;left:18px;top:16px;width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--navy));color:var(--gold-l);display:grid;place-items:center;font:600 1.15rem Fraunces,serif}
.steps h3{margin:0 0 .15em;font-size:1.1rem}.steps p{margin:0;color:var(--mute)}
.pstep{text-align:left}.pstep .n{font:600 2.6rem Fraunces,serif;line-height:1;background:linear-gradient(135deg,var(--blue),var(--gold));-webkit-background-clip:text;background-clip:text;color:transparent;margin-bottom:8px}
.ticks{list-style:none;padding:0;margin:0 0 1em}.ticks li{padding-left:30px;position:relative;margin-bottom:.55em}.ticks li::before{content:"✓";position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;background:#dff2e6;color:var(--ok);font-weight:700;font-size:.8rem;display:grid;place-items:center}
.page-head{padding:52px 0 40px;color:#dbe6f6;background:radial-gradient(600px 260px at 90% -20%,rgba(37,88,165,.8),transparent 60%),linear-gradient(135deg,#081a35,#17407a);border-bottom:4px solid var(--gold)}
.page-head h1{color:#fff;margin:0}.crumbs{font-size:.88rem;color:#b4c5df;margin-bottom:10px}.crumbs a{color:#d7e3f5}
.note{font-size:.88rem;color:var(--mute);border-left:3px solid var(--gold);padding:4px 0 4px 14px;margin:1.2em 0}
.ph{background:#fff3b0;padding:1px 5px;border-radius:4px;border:1px dashed #b8960b;color:#5a4800;font-size:.92em}
.chips{display:flex;gap:8px;overflow-x:auto;padding:4px 0 10px;margin:0 0 18px;scrollbar-width:none;-webkit-overflow-scrolling:touch}.chips::-webkit-scrollbar{display:none}
.chip{white-space:nowrap;padding:9px 16px;border-radius:99px;background:#fff;border:1px solid var(--line);font-weight:500;text-decoration:none;color:var(--navy);font-size:.9rem;min-height:40px;display:inline-flex;align-items:center}.chip:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.svc{display:grid;grid-template-columns:auto 1fr;gap:6px 18px;margin:22px 0;scroll-margin-top:90px}
@media(max-width:560px){.svc{grid-template-columns:1fr}}
.svc h2{font-size:1.5rem}
/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:0;margin-bottom:10px;transition:.15s}details[open]{border-left:5px solid var(--blue);box-shadow:var(--shadow)}
summary{cursor:pointer;padding:18px 20px;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px;min-height:56px;align-items:center}
summary::after{content:"+";font-size:1.5rem;color:var(--gold-d);line-height:1;flex:none}details[open] summary::after{content:"–"}
summary::-webkit-details-marker{display:none}details .a{padding:0 20px 18px;color:#2b3645}
/* forms */
form.f{background:#fff;border:1px solid var(--line);border-top:5px solid var(--blue);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.fld{margin-bottom:16px}label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy)}label .opt{font-weight:400;color:var(--mute)}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid #c9d2de;border-radius:12px;background:#fff;color:var(--ink);min-height:50px}
textarea{min-height:110px;resize:vertical}input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 4px rgba(37,88,165,.16)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media(max-width:560px){.two{grid-template-columns:1fr}form.f{padding:22px 18px}}
.chk{display:flex;gap:12px;align-items:flex-start;font-size:.86rem;color:var(--mute);margin-bottom:14px}.chk input{width:24px;min-width:24px;height:24px;min-height:24px;margin-top:2px;accent-color:var(--blue)}.chk label{font-weight:400;font-size:.86rem;color:var(--mute);margin:0}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.msg{padding:14px 16px;border-radius:12px;margin-top:14px;font-size:.95rem;display:none}.msg.ok{display:block;background:#e6f4ec;color:#14532d}.msg.err{display:block;background:#fde8e8;color:#7f1d1d}
form.f .btn{width:100%}@media(min-width:561px){form.f .btn{width:auto}}
/* rates / calc */
.stat{background:radial-gradient(400px 200px at 100% 0,rgba(245,206,98,.18),transparent 60%),linear-gradient(135deg,var(--blue),var(--navy));color:#fff;border-radius:var(--r);padding:26px;box-shadow:var(--shadow-l)}.stat .n{font:600 2.8rem Fraunces,serif;color:var(--gold-l);line-height:1}.stat .l{font-size:.9rem;color:#cfdcf0;margin-top:6px}
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:24px}@media(max-width:820px){.calc{grid-template-columns:1fr}}
.out{background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;border-radius:var(--r);padding:30px;align-self:start;box-shadow:var(--shadow-l)}.out .big{font:600 clamp(2.2rem,8vw,3rem) Fraunces,serif;color:var(--gold-l);line-height:1.1}.out dl{margin:18px 0 0}.out dt{font-size:.82rem;color:#cfdcf0}.out dd{margin:0 0 10px;font-weight:600}
/* qr */
.qrbox{display:grid;grid-template-columns:auto 1fr;gap:32px;align-items:center;background:#fff;border:2px solid var(--gold-l);border-radius:22px;padding:30px;box-shadow:var(--shadow-l)}
.qrbox img{width:230px;border-radius:14px;border:1px solid var(--line)}@media(max-width:700px){.qrbox{grid-template-columns:1fr;text-align:center;padding:24px 18px}.qrbox img{margin:auto;width:210px}.qrbox .row{justify-content:center}.qrbox .row .btn{flex:1 1 100%}}
.cal{border:0;width:100%;height:720px;display:block}@media(max-width:620px){.cal{height:880px}}
.photo{border-radius:24px;overflow:hidden;box-shadow:var(--shadow-l);background:#fff;border:1px solid var(--line);max-width:420px;margin-inline:auto}.photo img{display:block;width:100%}
/* footer */
footer{background:linear-gradient(180deg,#0a1a31,#06101f);color:#b9c6da;padding:56px 0 112px;font-size:.92rem;border-top:5px solid var(--gold)}
footer h4{color:var(--gold-l);font-family:Inter;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}
footer a{color:#dbe5f3;text-decoration:none}footer a:hover{text-decoration:underline;color:#fff}footer ul{list-style:none;padding:0;margin:0}footer li{margin-bottom:9px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px}@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}@media(max-width:520px){.fgrid{grid-template-columns:1fr}footer{padding-bottom:120px}}
.legal{border-top:1px solid #243a5c;margin-top:32px;padding-top:20px;font-size:.8rem;color:#8ea0bb}
.flogo{background:#fff;border-radius:10px;padding:6px;max-width:230px;margin-bottom:14px}
/* sticky mobile bar */
.mbar{display:none}
@media(max-width:760px){.mbar{display:grid;grid-template-columns:1fr 1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px rgba(0,0,0,.10);padding:8px 8px calc(8px + env(safe-area-inset-bottom));gap:8px}.mbar a{min-height:48px;font-size:.9rem;padding:8px}.mbar .btn-ghost{border-color:var(--blue);color:var(--blue)}}
.post-meta{color:var(--mute);font-size:.9rem}.prose h2{margin-top:1.6em;font-size:1.6rem}.prose h3{margin-top:1.3em}.prose li{margin-bottom:.4em}
.tag{display:inline-block;font:600 .72rem Inter;letter-spacing:.08em;text-transform:uppercase;background:var(--sky2);color:var(--blue-d);padding:4px 11px;border-radius:99px;margin-bottom:10px}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem}th{background:var(--sky);color:var(--navy)}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.hdr,.mbar,footer{display:none}}
@media(min-width:621px) and (max-width:900px){.g3>:last-child:nth-child(odd){grid-column:1/-1}}
/* blog */
.tag.gold{background:#fbefcf;color:var(--gold-d)}.tag.teal{background:var(--teal-l);color:var(--teal)}.tag.coral{background:var(--coral-l);color:var(--coral)}
.post-card{display:flex;flex-direction:column}.post-card p{flex:1;color:var(--mute);font-size:.96rem}.post-card .more{margin-top:12px}
.chip.on{background:var(--navy);color:#fff;border-color:var(--navy)}button.chip{font-family:inherit;cursor:pointer}
.takeaways{margin:18px 0 26px}.takeaways h3{margin-bottom:.6em}.takeaways .ticks{margin:0}
.post-cta{margin:34px 0 0;text-align:left}
.prose{overflow-wrap:break-word}.prose table{margin:16px 0;display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%}.prose th,.prose td{overflow-wrap:normal;word-break:normal;vertical-align:top}.prose td:first-child,.prose th:first-child{white-space:nowrap}
@media(max-width:620px){.prose table{font-size:.85rem}.prose th,.prose td{padding:9px 8px}}
.prose .tableWrap{overflow-x:auto}
/* simplified, service-first layout */
.hero{padding:56px 0 64px}
.hero .lead{max-width:34rem}
.choices{background:#fff;border-radius:20px;padding:20px 18px;box-shadow:var(--shadow-l);text-align:left}
.choices h2{font-size:1.2rem;margin:0 0 10px;padding:0 6px;color:var(--navy)}
.choice{display:flex;align-items:center;gap:14px;padding:8px 10px;border-radius:12px;text-decoration:none;color:var(--navy);font-weight:600;min-height:58px}
.choice:hover{background:var(--sky)}
.choice::after{content:"→";margin-left:auto;color:var(--blue);font-weight:700}
.choice .ico{margin:0;width:42px;height:42px;flex:none}.choice .ico svg{width:22px;height:22px}
@media(max-width:860px){.hero{padding:30px 0 38px}.hero .wrap{text-align:left}.hero .row{justify-content:flex-start}.hero .lead{max-width:none}}
.agentband{display:flex;align-items:center;gap:24px;flex-wrap:wrap;justify-content:space-between}
.agentband>div:nth-child(2){flex:1;min-width:240px}
.agentband h2{margin:0 0 6px;font-size:clamp(1.3rem,3.2vw,1.8rem)}.agentband .lead{margin:0;font-size:1rem}
.avatar{width:84px;height:84px;border-radius:50%;object-fit:cover;object-position:50% 16%;border:3px solid var(--gold-l);background:#fff;flex:none}
@media(max-width:700px){.agentband{flex-direction:column;text-align:center}.agentband .row{justify-content:center;width:100%}.agentband .row .btn{flex:1 1 100%}}
details.svc-d{border-left:5px solid transparent}details.svc-d[open]{border-left-color:var(--blue)}
.svc-d summary{justify-content:flex-start;gap:14px;padding:14px 16px}.svc-d summary::after{margin-left:auto}
.svc-d summary .ico{margin:0;flex:none}
.svc-d .st b{display:block;color:var(--navy);font-size:1.05rem;line-height:1.3}
.svc-d .st small{display:block;font-weight:400;color:var(--mute);font-size:.9rem;line-height:1.4;margin-top:2px}
.svc-d .a{padding:0 20px 20px 20px}.svc-d .a ul{margin:.4em 0 1.1em;padding-left:1.2em}.svc-d .a li{margin-bottom:.3em}
.fgrid{grid-template-columns:1.6fr 1fr 1fr}
@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}}
@media(max-width:520px){.fgrid{grid-template-columns:1fr 1fr}}
#glossary .a p{margin:0 0 .6em}
@media(max-width:700px){.photo{max-width:200px;border-radius:50%;aspect-ratio:1/1}.photo img{height:100%;object-fit:cover;object-position:50% 14%}}
/* v6: app/apply, merged pages */
.only-m{display:none}
@media(max-width:1100px){.only-m{display:block}}
@media(max-width:760px){.mbar{grid-template-columns:repeat(4,1fr);gap:6px}.mbar a{font-size:.8rem;padding:8px 2px;min-width:0}}
/* more than mortgages */
.pills{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:22px}
.pill{display:inline-flex;align-items:center;min-height:44px;padding:9px 18px;border-radius:99px;background:var(--sky);border:1px solid var(--sky2);color:var(--navy);font-weight:600;font-size:.95rem;text-decoration:none}
.pill:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.tblw{overflow-x:auto;-webkit-overflow-scrolling:touch}
@media(max-width:480px){.tblw table th,.tblw table td{font-size:.82rem;padding:8px 6px}}
/* discreet admin link */
a.adm{margin-left:12px;font-size:.68rem;opacity:.28;color:inherit;text-decoration:none}a.adm:hover{opacity:.7}

/* booking widget (/book/) */
.bk{margin:6px 0 10px}.bk-h{font-size:1.2rem;margin:26px 0 12px}.bk-h:first-child{margin-top:4px}
.bk-kinds{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:520px){.bk-kinds{grid-template-columns:1fr}}
.bk-kind{display:flex;flex-direction:column;align-items:flex-start;gap:4px;text-align:left;padding:16px 18px;min-height:76px;border:2px solid var(--line);border-radius:var(--r);background:#fff;color:var(--navy);cursor:pointer;font:inherit;transition:.15s}
.bk-kind b{font-size:1.05rem}.bk-kind span{font-size:.9rem;color:var(--mute)}.bk-kind:hover{border-color:var(--blue)}
.bk-kind.on{border-color:var(--navy);background:var(--sky);box-shadow:0 0 0 3px rgba(11,31,61,.10)}
.bk-pick{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:22px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--shadow)}@media(max-width:700px){.bk-pick{grid-template-columns:1fr;padding:16px}}
.bk-cal-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:10px}.bk-month{font-size:1.05rem;color:var(--navy)}
.bk-nav{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--navy);font-size:1.4rem;line-height:1;cursor:pointer}.bk-nav:disabled{opacity:.3;cursor:default}.bk-nav:not(:disabled):hover{background:var(--sky)}
.bk-grid{display:grid;grid-template-columns:repeat(7,1fr);gap:4px;text-align:center}.bk-dow{font-size:.74rem;font-weight:600;color:var(--mute);padding:4px 0}
.bk-day{display:flex;align-items:center;justify-content:center;aspect-ratio:1;min-height:42px;border-radius:50%;border:0;font:600 .95rem Inter,sans-serif;background:var(--sky);color:var(--navy);cursor:pointer}
.bk-day:hover{background:var(--sky2)}.bk-day.on{background:var(--navy);color:#fff}.bk-day.off{background:none;color:#b9bec6;font-weight:400;cursor:default}
.bk-day:focus-visible,.bk-time:focus-visible,.bk-kind:focus-visible,.bk-nav:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.bk-day-title{display:block;color:var(--navy);font-size:1.05rem}.bk-side .note{margin:4px 0 12px}
.bk-times{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;max-height:340px;overflow-y:auto;padding:2px}@media(max-width:700px){.bk-times{max-height:none}}@media(max-width:380px){.bk-times{grid-template-columns:repeat(2,1fr)}}
.bk-time{min-height:46px;border-radius:12px;border:1.5px solid var(--blue);background:#fff;color:var(--blue-d);font:600 .95rem Inter,sans-serif;cursor:pointer;white-space:nowrap}
.bk-time:hover{background:var(--sky)}.bk-time.on{background:var(--navy);border-color:var(--navy);color:#fff}
.bk-form{margin-top:4px}.bk-sum{display:flex;justify-content:space-between;align-items:center;gap:12px;background:var(--sky);border-radius:12px;padding:14px 16px;margin-bottom:18px}
.bk-sum div{display:flex;flex-direction:column;gap:2px}.bk-sum b{color:var(--navy)}.bk-sum span{font-size:.88rem;color:var(--mute)}
.bk-link{background:none;border:0;color:var(--blue);font:600 .95rem Inter,sans-serif;text-decoration:underline;cursor:pointer;min-height:44px;padding:0 6px}
.bk-loading{padding:34px 10px;text-align:center;color:var(--mute)}
.bk-note{padding:14px 16px;border-radius:12px;margin-bottom:14px;font-size:.95rem}.bk-note.err{background:#fde8e8;color:#7f1d1d}.bk-fallback{font-size:.95rem}
.bk-done{text-align:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:34px 22px;box-shadow:var(--shadow);outline:none}
.bk-done h2{margin:6px 0 4px}.bk-done p{margin:10px 0}.bk-when{font-size:1.15rem;font-weight:600;color:var(--navy)}
.bk-tick{width:62px;height:62px;border-radius:50%;background:var(--ok);color:#fff;font-size:2rem;line-height:62px;margin:0 auto}
@media(prefers-reduced-motion:no-preference){.bk-kind,.bk-day,.bk-time{transition:background .15s,border-color .15s,color .15s}}
.bk-done .note{border-left:0;padding-left:0;background:none}
.btn-danger{background:var(--coral);color:#fff;box-shadow:0 6px 16px rgba(196,71,47,.28)}.btn-danger:hover{background:#a93a25}.btn-danger:disabled{opacity:.6;cursor:default}