*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{font-family:var(--body);background:var(--paper);color:var(--ink);font-size:1.02rem;line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw,1100px);margin:0 auto;padding:0 22px}
.ribbon{background:#111;color:#fff;font-size:.8rem;padding:9px 16px;text-align:center;letter-spacing:.02em}
.ribbon-tag{display:inline-block;background:#fff;color:#111;font-weight:800;font-size:.68rem;letter-spacing:.14em;padding:2px 8px;margin-right:10px;border-radius:2px}
a{color:inherit}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:2px}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-60px;background:var(--ink);color:var(--paper);padding:10px 16px;z-index:60;text-decoration:none;font-weight:700}
.skip:focus{top:12px}
.ic{width:1em;height:1em;flex:none;vertical-align:-.12em}
header.site{border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.brandmark{display:flex;align-items:center;gap:10px;text-decoration:none}
.brandmark svg{width:30px;height:30px;flex:none}
.brandname{font-family:var(--display);font-weight:800;font-size:1.12rem;letter-spacing:var(--brand-ls,0)}
.nav-links{display:flex;gap:4px;align-items:center;flex-wrap:wrap}
.nav-links a{text-decoration:none;font-size:.88rem;padding:8px 10px;border-radius:6px;color:var(--muted)}
.nav-links a:hover{color:var(--ink);background:var(--tint)}
.btn{display:inline-block;font-family:var(--btn-font,var(--display));font-weight:700;text-decoration:none;cursor:pointer;border:2px solid var(--ink);background:var(--accent);color:var(--btn-ink,#fff);padding:13px 26px;font-size:.95rem;border-radius:var(--btn-r,8px);letter-spacing:var(--btn-ls,0)}
.btn:hover{background:var(--accent-deep)}
.btn.ghost{background:transparent;color:var(--ink)}
.btn.ghost:hover{background:var(--tint)}
footer.site{border-top:1px solid var(--line);margin-top:72px;padding:34px 0 46px;font-size:.86rem;color:var(--muted)}
footer.site .cols{display:flex;gap:32px;flex-wrap:wrap;justify-content:space-between}
footer.site nav{display:flex;gap:18px;flex-wrap:wrap;margin:12px 0}
footer.site nav a{text-decoration:none}
footer.site nav a:hover{text-decoration:underline}
.fine{font-size:.78rem;margin-top:14px;max-width:70ch}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:.88rem;margin-bottom:6px}
.field .hint{font-weight:400;font-size:.82rem;color:var(--muted);display:block;margin-top:4px}
.field input,.field select{width:100%;padding:12px 14px;font:inherit;border:2px solid var(--line);border-radius:var(--input-r,8px);background:#fff;color:#111}
.field input:focus,.field select:focus{border-color:var(--accent);outline:3px solid color-mix(in srgb,var(--accent) 25%,transparent);outline-offset:1px}
.field .err{display:none;font-size:.84rem;color:#A4261C;margin-top:6px;font-weight:600}
.field.invalid input,.field.invalid select{border-color:#A4261C}
.field.invalid .err{display:block}
.test-banner{background:#111;color:#FFD23F;font-weight:800;letter-spacing:.1em;text-align:center;padding:12px 16px;font-size:.85rem}
.status-pill{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;border:2px solid var(--ink);padding:6px 12px;border-radius:999px}
.status-pill .dot{width:9px;height:9px;border-radius:50%;background:var(--accent)}
table.data{width:100%;border-collapse:collapse;font-size:.92rem}
table.data th,table.data td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.data th{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.numeral{font-variant-numeric:tabular-nums}
@media(max-width:760px){.nav-links{display:none}body{font-size:1rem}}

:root{--paper:#F6F1E6;--ink:#171309;--muted:#6B6250;--line:#D9CFB6;--tint:#EFE8D5;
--accent:#B23A1F;--accent-deep:#8C2C16;--btn-ink:#fff;
--display:Georgia,"Palatino Linotype","Book Antiqua",Palatino,"Times New Roman",serif;
--body:system-ui,"Segoe UI","Helvetica Neue",Arial,sans-serif;
--mono:ui-monospace,Menlo,Consolas,monospace;
--btn-r:2px;--btn-ls:.02em;--input-r:2px;--maxw:1080px;--brand-ls:0;--btn-font:system-ui,"Segoe UI",Arial,sans-serif}
.dateline{font-family:var(--btn-font);font-size:.72rem;letter-spacing:.28em;text-transform:uppercase;color:var(--muted);border-bottom:3px double var(--ink);padding:10px 0;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.masthead{padding:30px 0 6px;text-align:left}
.masthead h1{font-size:clamp(2.4rem,5.6vw,4rem);font-weight:700;line-height:1.04;letter-spacing:-.01em;max-width:20ch;margin:16px 0}
.masthead h1 em{font-style:italic}
.dek{font-family:var(--display);font-style:italic;font-size:1.25rem;color:var(--muted);max-width:52ch}
.dossier{background:#FFFDF6;border:1px solid var(--line);padding:30px;position:relative;margin:34px 0;box-shadow:4px 4px 0 var(--line)}
.dossier .stamp{position:absolute;top:18px;right:20px;border:3px solid var(--accent);color:var(--accent);font-family:var(--btn-font);font-weight:800;letter-spacing:.24em;font-size:.8rem;padding:6px 14px;transform:rotate(7deg);text-transform:uppercase;background:rgba(255,253,246,.7)}
.dossier .doc-kicker{font-size:.72rem;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);font-family:var(--btn-font)}
.dossier h3{font-size:1.5rem;margin:8px 0 4px;max-width:30ch}
.dossier .meta{font-size:.85rem;color:var(--muted);margin-bottom:16px}
.dossier .row{display:grid;grid-template-columns:150px 1fr;gap:6px 16px;font-size:.94rem;padding:9px 0;border-top:1px dotted var(--line)}
.dossier .row dt{font-weight:700;font-family:var(--btn-font);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.dossier .why{background:var(--tint);border-left:4px solid var(--accent);padding:14px 16px;margin-top:16px;font-size:.95rem}
.brief-steps{counter-reset:step;list-style:none;margin:26px 0}
.brief-steps li{counter-increment:step;display:grid;grid-template-columns:64px 1fr;gap:18px;padding:20px 0;border-top:1px solid var(--line)}
.brief-steps li::before{content:counter(step,decimal-leading-zero);font-family:var(--display);font-size:2rem;color:var(--accent);line-height:1}
.brief-steps b{font-size:1.08rem}
.brief-steps p{color:var(--muted);font-size:.95rem;margin-top:4px;max-width:60ch}
section.block{padding:40px 0}
section.block h2{font-family:var(--display);font-size:2rem;margin-bottom:4px}
section.block .standfirst{font-family:var(--display);font-style:italic;color:var(--muted);margin-bottom:20px;font-size:1.1rem}
.ratecard{border:2px solid var(--ink);background:#FFFDF6}
.ratecard .rc-head{background:var(--ink);color:var(--paper);padding:12px 20px;font-family:var(--btn-font);font-size:.74rem;letter-spacing:.24em;text-transform:uppercase}
.ratecard table{width:100%;border-collapse:collapse}
.ratecard th,.ratecard td{padding:16px 20px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.ratecard th{font-family:var(--display);font-size:1.15rem}
.ratecard .pr{font-family:var(--mono);font-weight:700;white-space:nowrap}
.cov-filter{margin:18px 0}
.cov-filter input{max-width:340px}
.cov-list{columns:3;column-gap:28px;font-size:.9rem;margin-top:8px}
.cov-list li{list-style:none;padding:5px 0;border-bottom:1px dotted var(--line);break-inside:avoid}
.cov-list li.hide{display:none}
.cov-count{font-family:var(--mono);font-size:.8rem;color:var(--muted)}
.pull{font-family:var(--display);font-style:italic;font-size:1.4rem;line-height:1.4;border-left:4px solid var(--accent);padding:6px 0 6px 22px;margin:30px 0;max-width:34ch}
details.faq{border-top:1px solid var(--line);padding:15px 2px}
details.faq:last-of-type{border-bottom:1px solid var(--line)}
details.faq summary{font-family:var(--display);font-size:1.1rem;cursor:pointer;list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq .a{color:var(--muted);margin-top:8px;max-width:66ch}
details.faq .a strong{color:var(--ink)}
@media(max-width:760px){.cov-list{columns:2}.dossier .row{grid-template-columns:1fr}}