/* =========================================================
   PerformanceBond.com — Contract Surety Specialists
   A Janus Assurance Re property
   Site-wide stylesheet
   ========================================================= */

:root {
  --navy-900: #0a2540;
  --navy-800: #0c447c;
  --navy-700: #185fa5;
  --navy-600: #2778c4;
  --navy-50:  #e6f1fb;
  --navy-100: #d1e5f6;
  --gold:     #b78b15;
  --gold-50:  #fdf6e3;
  --ink:      #1a1f2e;
  --ink-2:    #4a5568;
  --ink-3:    #718096;
  --ink-4:    #a0aec0;
  --line:     #e2e8f0;
  --line-2:   #cbd5e0;
  --bg:       #ffffff;
  --bg-soft:  #f7fafc;
  --bg-2:     #edf2f7;
  --green:    #1d9e75;
  --red:      #c53030;
  --radius:   8px;
  --radius-lg: 12px;
  --shadow-sm: 0 1px 2px rgba(10,37,64,.04);
  --shadow:    0 4px 16px rgba(10,37,64,.06);
  --shadow-lg: 0 12px 32px rgba(10,37,64,.10);
  --serif:    Georgia, 'Times New Roman', serif;
  --sans:     -apple-system, BlinkMacSystemFont, "Segoe UI", "Inter", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
a { color: var(--navy-700); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 860px; margin: 0 auto; padding: 0 24px; }

/* TOP UTILITY BAR */
.topbar {
  background: var(--navy-900);
  color: #cbd9e8;
  font-size: 13px;
  padding: 8px 0;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
.topbar a { color: #fff; }
.topbar-contact strong { color: #fff; font-weight: 500; }
.topbar-contact span { margin-right: 16px; }

/* BRAND STRIP */
.brand-strip {
  background: linear-gradient(90deg, #07182b 0%, var(--navy-900) 60%, var(--navy-800) 100%);
  color: #fff;
  padding: 6px 0;
  font-size: 12px;
  letter-spacing: 0.4px;
}
.brand-strip .container { display: flex; justify-content: center; align-items: center; gap: 16px; flex-wrap: wrap; text-align: center; }
.brand-strip strong { color: #fff; font-weight: 600; letter-spacing: 0.6px; }
.brand-strip span { color: #a8c0db; }
.brand-strip .dot { color: var(--gold); font-size: 8px; }

/* NAV */
.nav {
  background: rgba(255,255,255,0.97);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 100;
  backdrop-filter: blur(8px);
}
.nav .container { display: flex; align-items: center; justify-content: space-between; padding-top: 14px; padding-bottom: 14px; gap: 20px; }
.logo { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.logo-mark {
  width: 56px; height: 56px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  padding: 6px;
  position: relative;
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}
.logo-mark img { max-width: 100%; max-height: 100%; object-fit: contain; display: block; }
.logo-text {
  line-height: 1.15;
  border-left: 3px solid var(--gold);
  padding-left: 12px;
}
.logo-text .brand { font-size: 19px; font-weight: 700; color: var(--navy-900); letter-spacing: -0.3px; }
.logo-text .tagline { font-size: 11px; color: var(--ink-3); letter-spacing: 0.4px; text-transform: uppercase; font-weight: 500; }
/* In the footer the logo still uses the mark, so unset the border-left there */
footer .logo-text { border-left: none; padding-left: 0; }

.nav-links { display: flex; gap: 26px; font-size: 14px; }
.nav-links a { color: var(--ink); font-weight: 500; }
.nav-links a:hover { color: var(--navy-700); text-decoration: none; }
.nav-links a.active { color: var(--navy-800); border-bottom: 2px solid var(--gold); padding-bottom: 2px; }

.btn {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 11px 20px;
  border-radius: var(--radius);
  font-size: 14px; font-weight: 600;
  border: none; cursor: pointer;
  transition: all .15s ease;
  text-decoration: none;
  line-height: 1;
}
.btn-primary { background: var(--navy-800); color: #fff; }
.btn-primary:hover { background: var(--navy-900); text-decoration: none; }
.btn-secondary { background: #fff; color: var(--ink); border: 1px solid var(--line-2); }
.btn-secondary:hover { border-color: var(--navy-700); color: var(--navy-700); text-decoration: none; }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: #a07a13; text-decoration: none; }
.btn-lg { padding: 14px 26px; font-size: 15px; }
.btn-arrow::after { content: "→"; margin-left: 4px; transition: transform .15s; }
.btn-arrow:hover::after { transform: translateX(2px); }

/* PAGE HEADER (interior pages) */
.page-head {
  padding: 56px 0 40px;
  background:
    radial-gradient(ellipse at top right, rgba(24,95,165,0.06) 0%, transparent 60%),
    linear-gradient(180deg, #fafbfc 0%, #ffffff 100%);
  border-bottom: 1px solid var(--line);
}
.page-head .breadcrumbs {
  font-size: 13px; color: var(--ink-3); margin-bottom: 16px;
}
.page-head .breadcrumbs a { color: var(--ink-3); }
.page-head .breadcrumbs .sep { margin: 0 8px; color: var(--ink-4); }
.page-head h1 {
  font-size: clamp(32px, 4vw, 44px);
  line-height: 1.15;
  letter-spacing: -0.8px;
  margin: 0 0 12px;
  font-weight: 700;
  color: var(--navy-900);
}
.page-head .kicker {
  display: inline-block;
  background: var(--navy-50);
  color: var(--navy-800);
  padding: 5px 12px;
  border-radius: 999px;
  font-size: 12px; font-weight: 600;
  margin-bottom: 18px;
  letter-spacing: 0.4px;
  text-transform: uppercase;
}
.page-head .subhead {
  font-size: 18px; color: var(--ink-2); max-width: 760px; margin: 0;
  line-height: 1.6;
}

/* HERO (home) */
.hero {
  padding: 72px 0 80px;
  background:
    radial-gradient(ellipse at top right, rgba(24,95,165,0.08) 0%, transparent 60%),
    linear-gradient(180deg, #fafbfc 0%, #ffffff 100%);
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}
.hero .container { display: grid; grid-template-columns: 1.2fr 1fr; gap: 56px; align-items: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy-50);
  color: var(--navy-800);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px; font-weight: 600;
  margin-bottom: 22px;
  letter-spacing: 0.2px;
}
.eyebrow::before { content: "●"; color: var(--green); font-size: 10px; }
.hero h1 {
  font-size: clamp(34px, 4.6vw, 54px);
  line-height: 1.08;
  letter-spacing: -1px;
  margin: 0 0 20px;
  font-weight: 700;
  color: var(--navy-900);
}
.hero h1 em { font-style: normal; color: var(--navy-700); }
.hero .lede {
  font-size: 18px;
  color: var(--ink-2);
  margin: 0 0 32px;
  max-width: 580px;
  line-height: 1.6;
}
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 36px; }
.trust-row {
  display: flex; flex-wrap: wrap; gap: 24px;
  font-size: 14px; color: var(--ink-2);
}
.trust-row span { display: inline-flex; align-items: center; gap: 6px; }
.trust-row .check { color: var(--green); font-weight: 700; }

/* QUOTE CARD */
.quote-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow);
}
.quote-card h3 { margin: 0 0 6px; font-size: 19px; font-weight: 700; color: var(--navy-900); }
.quote-card p.sub { margin: 0 0 20px; font-size: 14px; color: var(--ink-3); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.form-row.single { grid-template-columns: 1fr; }
.form-field label { display: block; font-size: 12px; font-weight: 600; color: var(--ink-2); margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.4px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; padding: 10px 12px;
  border: 1px solid var(--line-2);
  border-radius: var(--radius);
  font-size: 14px; font-family: inherit;
  background: #fff;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none; border-color: var(--navy-700); box-shadow: 0 0 0 3px rgba(24,95,165,0.12);
}
.quote-card > .btn { width: 100%; justify-content: center; margin-top: 8px; }
.quote-card .fineprint { font-size: 12px; color: var(--ink-3); margin: 14px 0 0; text-align: center; }

/* SECTIONS */
section { padding: 72px 0; }
.section-soft { background: var(--bg-soft); }
.section-navy { background: var(--navy-900); color: #fff; }
.section-navy h2, .section-navy h3 { color: #fff; }
.section-navy p { color: #cbd9e8; }
.section-head { text-align: center; max-width: 760px; margin: 0 auto 48px; }
.section-head h2 {
  font-size: clamp(28px, 3.5vw, 38px);
  line-height: 1.2;
  margin: 0 0 12px;
  color: var(--navy-900);
  font-weight: 700;
  letter-spacing: -0.5px;
}
.section-head p { font-size: 17px; color: var(--ink-2); margin: 0; }
.section-head.left { text-align: left; margin: 0 0 40px; }

h2 { font-size: clamp(26px, 3vw, 34px); font-weight: 700; color: var(--navy-900); letter-spacing: -0.5px; line-height: 1.25; margin: 0 0 16px; }
h3 { font-size: 22px; font-weight: 700; color: var(--navy-900); margin: 0 0 14px; letter-spacing: -0.3px; }
h4 { font-size: 18px; font-weight: 600; color: var(--navy-900); margin: 0 0 10px; }

/* BOND TYPE GRID */
.bond-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px;
}
.bond-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all .2s ease;
  display: flex; flex-direction: column;
  text-decoration: none;
  color: inherit;
}
.bond-card:hover {
  border-color: var(--navy-700);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
  text-decoration: none;
}
.bond-card-icon {
  width: 44px; height: 44px;
  background: var(--navy-50);
  color: var(--navy-800);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  font-size: 22px;
}
.bond-card h3 { font-size: 18px; font-weight: 600; margin: 0 0 8px; color: var(--navy-900); }
.bond-card p { font-size: 14px; color: var(--ink-2); margin: 0 0 18px; line-height: 1.6; flex: 1; }
.bond-card .read-more {
  font-size: 14px; font-weight: 600; color: var(--navy-700);
  display: inline-flex; align-items: center; gap: 4px;
}
.bond-card .read-more::after { content: "→"; transition: transform .15s; }
.bond-card:hover .read-more::after { transform: translateX(3px); }

/* STATS */
.stats-band { background: var(--navy-900); color: #fff; padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 32px; text-align: center; }
.stat-num { font-size: 44px; font-weight: 700; color: #fff; letter-spacing: -1px; line-height: 1; }
.stat-num .unit { font-size: 24px; color: var(--gold); }
.stat-label { font-size: 14px; color: #a8c0db; margin-top: 8px; }

/* TWO COLUMN */
.twocol { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.twocol h3 { font-size: 22px; font-weight: 600; margin: 0 0 14px; color: var(--navy-900); }
.twocol p { font-size: 15px; color: var(--ink-2); margin: 0 0 14px; }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  font-size: 15px; color: var(--ink); padding: 10px 0 10px 32px; position: relative;
  border-bottom: 1px solid var(--line);
}
.checklist li:last-child { border-bottom: none; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 10px;
  width: 22px; height: 22px;
  background: #d4f4e8; color: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 12px;
}

/* REQUIREMENTS CARDS */
.req-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.req-card {
  background: #fff;
  border-left: 4px solid var(--navy-700);
  border-top: 1px solid var(--line);
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  border-radius: 4px;
  padding: 24px 26px;
}
.req-card .tag { font-size: 11px; font-weight: 700; color: var(--navy-700); letter-spacing: 0.6px; text-transform: uppercase; }
.req-card h3 { font-size: 18px; font-weight: 600; margin: 6px 0 10px; color: var(--navy-900); }
.req-card p { font-size: 14px; color: var(--ink-2); margin: 0; line-height: 1.6; }
.req-card.gold { border-left-color: var(--gold); }
.req-card.gold .tag { color: var(--gold); }

/* FAQ */
.faq-wrap { max-width: 820px; margin: 0 auto; }
details {
  border-bottom: 1px solid var(--line);
  padding: 20px 0;
}
details:first-of-type { border-top: 1px solid var(--line); }
details summary {
  font-size: 17px; font-weight: 600; color: var(--navy-900);
  cursor: pointer; list-style: none;
  display: flex; justify-content: space-between; align-items: center;
  padding-right: 8px;
}
details summary::-webkit-details-marker { display: none; }
details summary::after {
  content: "+"; font-size: 24px; font-weight: 400; color: var(--ink-3);
  transition: transform .2s;
  line-height: 1;
}
details[open] summary::after { content: "−"; }
details p, details ul, details ol {
  font-size: 15px; color: var(--ink-2); margin: 12px 0 0; line-height: 1.7;
}

/* CTA BAND */
.cta-band {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-800) 100%);
  color: #fff;
  padding: 64px 0;
  text-align: center;
}
.cta-band h2 { color: #fff; font-size: 32px; font-weight: 700; margin: 0 0 12px; letter-spacing: -0.5px; }
.cta-band p { color: #cbd9e8; font-size: 17px; max-width: 620px; margin: 0 auto 28px; }
.cta-band .btn-primary { background: #fff; color: var(--navy-900); }
.cta-band .btn-primary:hover { background: #f0f4f8; }
.cta-band .btn-secondary { background: transparent; color: #fff; border-color: rgba(255,255,255,0.4); }
.cta-band .btn-secondary:hover { border-color: #fff; color: #fff; }
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* PROSE */
.prose { font-size: 17px; line-height: 1.75; color: var(--ink); }
.prose p { margin: 0 0 20px; }
.prose h2 { font-size: 28px; margin: 44px 0 16px; line-height: 1.25; }
.prose h3 { font-size: 22px; margin: 36px 0 12px; }
.prose h4 { font-size: 18px; margin: 28px 0 10px; }
.prose ul, .prose ol { margin: 0 0 20px; padding-left: 24px; }
.prose li { margin-bottom: 8px; }
.prose blockquote {
  border-left: 4px solid var(--gold);
  padding: 4px 0 4px 24px;
  margin: 24px 0;
  font-style: italic;
  color: var(--ink-2);
  font-family: var(--serif);
  font-size: 18px;
}
.prose code {
  background: var(--bg-2);
  padding: 2px 6px;
  border-radius: 3px;
  font-family: 'SF Mono', Menlo, monospace;
  font-size: 14px;
}
.prose .callout {
  background: var(--navy-50);
  border-left: 4px solid var(--navy-700);
  padding: 20px 24px;
  border-radius: 4px;
  margin: 28px 0;
  font-size: 16px;
}
.prose .callout.gold {
  background: var(--gold-50);
  border-left-color: var(--gold);
}
.prose .callout strong { color: var(--navy-900); }
.prose .callout p { margin: 0 0 8px; }
.prose .callout p:last-child { margin-bottom: 0; }

/* AUTHOR BOX */
.author-box {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin: 40px 0;
  display: grid;
  grid-template-columns: 96px 1fr;
  gap: 20px;
  align-items: start;
}
.author-avatar {
  width: 96px; height: 96px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
  background: transparent;
}
.author-avatar img { width: 100%; height: 100%; object-fit: contain; }
.author-box .label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.6px; color: var(--ink-3); font-weight: 600; margin-bottom: 4px; }
.author-box .name { font-size: 18px; font-weight: 700; color: var(--navy-900); margin: 0 0 4px; }
.author-box .name a { color: var(--navy-900); text-decoration: none; border-bottom: 1px solid var(--gold); }
.author-box .name a:hover { color: var(--navy-700); }
.author-box .creds { font-size: 13px; color: var(--ink-2); margin: 0 0 10px; }
.author-box .bio { font-size: 14px; color: var(--ink-2); margin: 0 0 10px; line-height: 1.6; }
.author-box .book { font-size: 13px; }
.author-box .book a { font-weight: 600; }

/* BOOK CARD - featured book with cover image */
.book-card {
  background: linear-gradient(135deg, #f7f9fc 0%, #edf1f7 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin: 40px 0;
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 32px;
  align-items: center;
  box-shadow: var(--shadow);
}
.book-card .book-cover {
  position: relative;
  transform: perspective(600px) rotateY(-6deg);
  transform-style: preserve-3d;
  transition: transform 0.4s ease;
}
.book-card .book-cover:hover { transform: perspective(600px) rotateY(-2deg) scale(1.02); }
.book-card .book-cover img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: 3px 6px 6px 3px;
  box-shadow: 
    -4px 0 0 rgba(0,0,0,0.15),
    0 8px 24px rgba(10, 37, 64, 0.25),
    0 4px 12px rgba(10, 37, 64, 0.15);
}
.book-card .book-cover::before {
  /* Spine shadow effect */
  content: "";
  position: absolute;
  left: 0; top: 3%; bottom: 3%;
  width: 6px;
  background: linear-gradient(90deg, rgba(0,0,0,0.2), transparent);
  border-radius: 3px 0 0 3px;
  pointer-events: none;
}
.book-card .book-info .label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.8px;
  color: var(--gold); font-weight: 700; margin-bottom: 8px;
}
.book-card .book-info h3 {
  font-family: var(--serif);
  font-size: 24px; font-weight: 700; color: var(--navy-900);
  margin: 0 0 6px; line-height: 1.2;
}
.book-card .book-info h3 a { color: var(--navy-900); text-decoration: none; border-bottom: 1px solid var(--gold); }
.book-card .book-info h3 a:hover { color: var(--navy-700); }
.book-card .book-info .subtitle { font-style: italic; font-size: 15px; color: var(--ink-2); margin: 0 0 12px; }
.book-card .book-info .credits { font-size: 13px; color: var(--ink-3); margin: 0 0 14px; }
.book-card .book-info .description { font-size: 14.5px; color: var(--ink-2); line-height: 1.65; margin: 0 0 14px; }
.book-card .book-info .buy-row {
  display: flex; gap: 8px; align-items: center; flex-wrap: wrap;
  margin-top: 4px;
}
.book-card .book-info .buy-row a {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 8px 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
  color: var(--navy-800);
  font-weight: 600;
  font-size: 13px;
  text-decoration: none;
  transition: all 0.15s ease;
  white-space: nowrap;
}
.book-card .book-info .buy-row a:hover {
  background: var(--navy-800);
  color: #fff;
  border-color: var(--navy-800);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}
.book-card .book-info .buy-row a.primary {
  background: var(--gold);
  border-color: var(--gold);
  color: #07182b;
}
.book-card .book-info .buy-row a.primary:hover {
  background: #9a7412;
  border-color: #9a7412;
  color: #fff;
}

@media (max-width: 640px) {
  .book-card { grid-template-columns: 1fr; text-align: center; gap: 24px; }
  .book-card .book-cover { max-width: 200px; margin: 0 auto; }
}

/* INLINE AUTHOR BYLINE */
.byline {
  display: flex; align-items: center; gap: 14px;
  padding: 16px 20px;
  background: var(--bg-soft);
  border-radius: var(--radius);
  margin: 0 0 32px;
  font-size: 14px;
  border-left: 3px solid var(--gold);
}
.byline .avatar {
  width: 52px; height: 52px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  overflow: hidden;
  background: transparent;
}
.byline .avatar img { width: 100%; height: 100%; object-fit: contain; }
.byline .meta { line-height: 1.4; }
.byline .meta .name { font-weight: 700; color: var(--navy-900); }
.byline .meta .name a { color: var(--navy-900); text-decoration: none; border-bottom: 1px solid transparent; transition: border-color .15s; }
.byline .meta .name a:hover { border-bottom-color: var(--gold); }
.byline .meta .role { color: var(--ink-3); font-size: 12px; }
.byline .meta .role a { color: var(--navy-700); text-decoration: none; font-weight: 500; }
.byline .meta .role a:hover { text-decoration: underline; }

/* SOCIAL ICONS */
.social-row {
  display: flex; gap: 10px; margin-top: 14px;
  align-items: center; flex-wrap: wrap;
}
.social-row .label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.6px;
  color: #748aa3; font-weight: 600; margin-right: 4px;
}
.social-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px;
  background: rgba(255,255,255,0.08);
  color: #fff;
  border-radius: 6px;
  transition: all .15s ease;
  text-decoration: none;
}
.social-icon:hover { background: var(--gold); color: #07182b; text-decoration: none; transform: translateY(-1px); }
.social-icon svg { width: 16px; height: 16px; fill: currentColor; }

/* FORMS TABS (contractor questionnaire variants) */
.form-tabs {
  display: flex; gap: 8px; margin: 24px 0 16px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 0;
  flex-wrap: wrap;
}
.form-tabs a {
  padding: 10px 16px;
  border-radius: 6px 6px 0 0;
  font-size: 14px; font-weight: 600;
  color: var(--ink-2);
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-bottom: none;
  text-decoration: none;
}
.form-tabs a:hover { background: var(--navy-50); color: var(--navy-800); text-decoration: none; }
.form-tabs a.active { background: var(--navy-800); color: #fff; border-color: var(--navy-800); }

/* L&P INLINE PROMOTION */
.lp-inline {
  background: linear-gradient(90deg, var(--gold-50) 0%, #fff 100%);
  border: 1px solid #f0e0b0;
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 32px 0;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 20px;
  align-items: center;
}
.lp-inline .label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.6px; color: var(--gold); font-weight: 700; margin: 0 0 4px; }
.lp-inline h4 { margin: 0 0 4px; font-size: 16px; }
.lp-inline p { margin: 0; font-size: 14px; color: var(--ink-2); }
.lp-inline .btn { flex-shrink: 0; white-space: nowrap; }

/* TABLE OF CONTENTS */
.toc {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 0 0 32px;
}
.toc .label { font-size: 12px; text-transform: uppercase; letter-spacing: 0.6px; color: var(--ink-3); font-weight: 600; margin-bottom: 12px; }
.toc ol { margin: 0; padding-left: 20px; font-size: 15px; }
.toc ol li { margin-bottom: 6px; }
.toc ol li a { color: var(--ink); }

/* STATE LIST */
.state-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(120px, 1fr));
  gap: 6px;
  font-size: 13px;
  margin: 20px 0;
}
.state-grid a {
  padding: 8px 12px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 4px;
  color: var(--ink);
  text-align: center;
}
.state-grid a:hover { background: var(--navy-50); border-color: var(--navy-700); color: var(--navy-800); text-decoration: none; }

/* TABLE */
.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 15px;
}
.data-table th {
  text-align: left;
  padding: 12px 14px;
  background: var(--navy-900);
  color: #fff;
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.3px;
  text-transform: uppercase;
}
.data-table td {
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
}
.data-table tr:nth-child(even) td { background: var(--bg-soft); }

/* FOOTER */
footer.site-foot { background: #07182b; color: #a8c0db; padding: 56px 0 28px; font-size: 14px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
footer h4 { color: #fff; font-size: 14px; font-weight: 600; margin: 0 0 16px; text-transform: uppercase; letter-spacing: 0.6px; }
footer ul { list-style: none; padding: 0; margin: 0; }
footer ul li { margin-bottom: 10px; }
footer ul li a { color: #a8c0db; }
footer ul li a:hover { color: #fff; text-decoration: none; }
.foot-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 13px; color: #748aa3;
}
.foot-bottom a { color: #a8c0db; }
.foot-offices { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; font-size: 12px; margin-top: 16px; color: #748aa3; }
.foot-offices .office strong { color: #a8c0db; display: block; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; gap: 40px; }
  .twocol { grid-template-columns: 1fr; gap: 40px; }
  .nav-links { display: none; }
  .foot-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  section { padding: 56px 0; }
  .hero { padding: 48px 0 56px; }
  .lp-inline { grid-template-columns: 1fr; }
  .author-box { grid-template-columns: 1fr; text-align: center; }
  .author-avatar { margin: 0 auto; }
}
@media (max-width: 560px) {
  .form-row { grid-template-columns: 1fr; }
  .foot-grid { grid-template-columns: 1fr; }
  .foot-offices { grid-template-columns: 1fr; }
  .hero h1 { font-size: 32px; }
  .stat-num { font-size: 36px; }
  .brand-strip .container { font-size: 11px; }
}