/* policyholderappraiser.com - single shared stylesheet.
   Navy + brass palette, Montserrat headings, Inter body. No framework. */
:root {
  --ink: #0f1c2b;
  --ink-2: #182a3e;
  --ink-3: #243a52;
  --slate: #44566b;
  --muted: #65768a;
  --line: #dfe4ea;
  --line-dark: rgba(255,255,255,.12);
  --sand: #f4f1ea;
  --paper: #ffffff;
  --brass: #b98a2e;
  --brass-2: #d9a93f;
  --brass-pale: #f6ead0;
  --brass-ink: #8a6418;
  --ok: #1f7a4d;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 14px 40px rgba(15, 28, 43, .12);
  --wrap: 1160px;
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --head: "Montserrat", "Inter", system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; overflow-x: clip; }
body { margin: 0; font: 17px/1.65 var(--font); color: var(--ink); background: var(--paper); overflow-wrap: break-word; -webkit-font-smoothing: antialiased; }
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--brass-ink); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
h1, h2, h3, h4 { font-family: var(--head); line-height: 1.18; margin: 0 0 .6em; color: var(--ink); letter-spacing: -.015em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 2.9vw, 2.3rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.25em; }
.wrap { width: min(var(--wrap), 100% - 32px); margin-inline: auto; }
.sr, .hp { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 14px; z-index: 100; }
.skip:focus { left: 8px; }
:focus-visible { outline: 3px solid var(--brass-2); outline-offset: 2px; }
section { padding: clamp(56px, 7vw, 88px) 0; scroll-margin-top: 90px; }
.eyebrow { text-transform: uppercase; letter-spacing: .16em; font-size: .76rem; font-weight: 700; color: var(--brass-ink); margin: 0 0 .7em; }
.lede { font-size: 1.15rem; color: var(--slate); max-width: 680px; }
.center { text-align: center; }
.center .lede { margin-inline: auto; }
.section-head { max-width: 760px; margin-bottom: 36px; }
.section-head p { color: var(--slate); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; padding: .9em 1.4em; border-radius: 999px; border: 2px solid transparent; font: 700 1rem/1.1 var(--font); text-decoration: none; cursor: pointer; transition: transform .15s, background .15s, color .15s, border-color .15s; }
.btn:hover { transform: translateY(-1px); }
.btn-brass { background: var(--brass-2); color: var(--ink); }
.btn-brass:hover { background: #e6b953; color: var(--ink); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: var(--ink-3); color: #fff; }
.btn-outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-outline:hover { background: var(--ink); color: #fff; }
.btn-ghost-light { background: rgba(255,255,255,.06); color: #fff; border-color: rgba(255,255,255,.5); }
.btn-ghost-light:hover { background: #fff; color: var(--ink); }
.btn-block { width: 100%; }

/* Top bar + header */
.topbar { background: var(--ink); color: #c5d0dc; font-size: .86rem; }
.topbar-in { display: flex; justify-content: space-between; gap: 12px; padding: 7px 0; flex-wrap: wrap; }
.topbar strong { color: #fff; }
.topbar-links { display: flex; gap: 18px; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar a:hover { color: var(--brass-2); }
.site-header { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid var(--line); }
.site-header.scrolled { box-shadow: 0 6px 20px rgba(15,28,43,.08); }
.header-in { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }
.logo { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); }
.logo-mark { width: 42px; height: 42px; flex: none; }
.logo-text { display: flex; flex-direction: column; line-height: 1.05; }
.logo-text strong { font: 800 1.12rem/1 var(--head); letter-spacing: .04em; text-transform: uppercase; }
.logo-text em { font: 600 .7rem/1.3 var(--font); font-style: normal; letter-spacing: .18em; text-transform: uppercase; color: var(--brass-ink); }
.logo-light { color: #fff; }
.logo-light .logo-text em { color: var(--brass-2); }
.site-nav { display: flex; align-items: center; gap: 14px; }
.site-nav ul { display: flex; gap: 2px; list-style: none; margin: 0; padding: 0; }
.site-nav a { display: block; padding: 8px 10px; border-radius: 8px; text-decoration: none; color: var(--ink); font-weight: 600; font-size: .92rem; white-space: nowrap; }
.site-nav a:hover, .site-nav a[aria-current] { background: var(--sand); color: var(--brass-ink); }
.site-nav .nav-cta { color: var(--ink); padding: .7em 1.1em; background: var(--brass-2); }
.site-nav .nav-cta:hover { background: #e6b953; color: var(--ink); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span:not(.sr) { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; transition: .2s; }
@media (max-width: 1100px) {
  .nav-toggle { display: block; }
  .site-nav { position: fixed; inset: 0 0 0 auto; top: 0; width: min(340px, 86vw); flex-direction: column; align-items: stretch; background: #fff; padding: 84px 20px 24px; box-shadow: -10px 0 30px rgba(0,0,0,.15); transform: translateX(105%); visibility: hidden; transition: transform .25s, visibility 0s .25s; z-index: 60; overflow-y: auto; }
  .site-nav.open { transform: none; visibility: visible; transition: transform .25s; }
  .site-nav ul { flex-direction: column; }
  .site-nav a { padding: 12px; font-size: 1.05rem; white-space: normal; }
  .nav-toggle[aria-expanded="true"] { position: relative; z-index: 70; }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

/* Hero */
.hero { position: relative; background: radial-gradient(900px 420px at 88% -10%, rgba(217,169,63,.26), transparent 60%), linear-gradient(160deg, #0f1c2b 0%, #1a2e44 60%, #0f1c2b 100%); color: #d6dfe9; overflow: hidden; padding: 0; }
.hero::after { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(115deg, rgba(255,255,255,.025) 0 2px, transparent 2px 22px); pointer-events: none; }
.hero-in { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; padding: 72px 0 80px; align-items: center; }
.hero h1 { color: #fff; }
.hero h1 span, .page-hero h1 span { color: var(--brass-2); }
.hero .lede { color: #c5d0dc; }
.hero .eyebrow, .page-hero .eyebrow { color: var(--brass-2); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 26px 0 22px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 10px 22px; list-style: none; padding: 0; margin: 0; font-size: .93rem; }
.trust-row li::before { content: "\2713"; color: var(--brass-2); font-weight: 800; margin-right: 7px; }
.hero-card { background: #fff; color: var(--ink); border-radius: 18px; padding: 26px; box-shadow: 0 30px 60px rgba(0,0,0,.35); }
.hero-card h2 { font-size: 1.35rem; margin-bottom: .3em; }
.hero-card .small { color: var(--muted); font-size: .92rem; }
@media (max-width: 900px) { .hero-in { grid-template-columns: 1fr; padding: 48px 0 56px; gap: 32px; } }

.page-hero { background: linear-gradient(160deg, #0f1c2b, #1b2f45); color: #c5d0dc; padding: 42px 0 48px; }
.page-hero h1 { color: #fff; max-width: 900px; }
.page-hero .lede { max-width: 760px; font-size: 1.1rem; color: #c5d0dc; }
.page-hero .hero-actions { margin-bottom: 0; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; padding: 0; margin: 0 0 18px; font-size: .86rem; }
.crumbs li + li::before { content: "\203A"; margin-right: 6px; color: #7f8fa0; }
.crumbs a { color: #c5d0dc; }
.crumbs [aria-current] { color: #fff; }

/* Stat strip */
.stats { background: var(--sand); border-bottom: 1px solid var(--line); padding: 0; }
.stats-in { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 24px 22px; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat strong { display: block; font: 800 1.45rem/1.1 var(--head); color: var(--ink); }
.stat span { display: block; font-size: .84rem; color: var(--muted); margin-top: 4px; }
@media (max-width: 900px) { .stats-in { grid-template-columns: repeat(2, 1fr); } .stat:nth-child(2) { border-right: 0; } .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); } }
@media (max-width: 560px) { .stats-in { grid-template-columns: 1fr; } .stat { border-right: 0; border-bottom: 1px solid var(--line); } .stat:last-child { border-bottom: 0; } }

/* Cards */
.grid { display: grid; gap: 18px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s, border-color .2s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(185,138,46,.45); }
a.card { text-decoration: none; color: inherit; }
.card h3 { margin-bottom: .4em; }
.card p { color: var(--slate); font-size: .95rem; margin-bottom: 14px; }
.card .more { margin-top: auto; color: var(--brass-ink); font-weight: 700; font-size: .9rem; }
.card-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--brass-pale); color: var(--brass-ink); display: grid; place-items: center; font: 800 1.1rem var(--head); margin-bottom: 16px; }
.card-icon svg { width: 24px; height: 24px; }
.sand { background: var(--sand); }
.sand .card { background: var(--paper); }

/* Steps (process) */
.dark { background: var(--ink); color: #c5d0dc; }
.dark h2, .dark h3 { color: #fff; }
.dark .eyebrow { color: var(--brass-2); }
.dark .section-head p { color: #a9b6c4; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border: 1px solid var(--line-dark); border-radius: var(--radius); overflow: hidden; }
.step { padding: 28px 24px; border-right: 1px solid var(--line-dark); min-height: 240px; }
.step:last-child { border-right: 0; }
.step-num { font: 800 2rem/1 var(--head); color: var(--brass-2); margin-bottom: 36px; }
.step h3 { font-size: 1.08rem; margin-bottom: .4em; }
.step p { font-size: .92rem; margin: 0; color: #a9b6c4; }
.step .when { display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--brass-2); margin-bottom: 8px; }
@media (max-width: 980px) { .steps { grid-template-columns: repeat(2, 1fr); } .step:nth-child(2) { border-right: 0; } .step:nth-child(-n+2) { border-bottom: 1px solid var(--line-dark); } }
@media (max-width: 620px) { .steps { grid-template-columns: 1fr; } .step { border-right: 0 !important; border-bottom: 1px solid var(--line-dark); min-height: 0; } .step:last-child { border-bottom: 0; } .step-num { margin-bottom: 16px; } }

/* Split layout */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.check-list { list-style: none; padding: 0; margin: 0 0 24px; }
.check-list li { display: grid; grid-template-columns: 26px 1fr; gap: 8px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: .96rem; }
.check-list li::before { content: "\2713"; color: var(--brass-ink); font-weight: 800; }
.dark .check-list li { border-color: var(--line-dark); }
.dark .check-list li::before { color: var(--brass-2); }
.portrait { border-radius: 50%; width: min(320px, 80%); margin: 0 auto; box-shadow: var(--shadow); border: 6px solid #fff; }
.panel { background: var(--ink); color: #c5d0dc; border-radius: var(--radius); padding: 32px; }
.panel h3 { color: #fff; }
.panel .small { color: #a9b6c4; }
.panel-light { background: var(--sand); color: var(--ink); border: 1px solid var(--line); }
.panel-light h3 { color: var(--ink); }

/* Comparison table */
.table-wrap { overflow-x: auto; }
table.cmp { width: 100%; border-collapse: collapse; font-size: .95rem; background: #fff; border-radius: var(--radius-sm); overflow: hidden; box-shadow: 0 8px 24px rgba(15,28,43,.07); }
.cmp th, .cmp td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.cmp th { background: var(--ink); color: #fff; font-family: var(--head); font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; }
.cmp th.hl { background: var(--brass); color: var(--ink); }
.cmp tr:last-child td { border-bottom: 0; }
.cmp td:first-child { font-weight: 700; color: var(--ink); }
.cmp td.hl { background: var(--brass-pale); }

/* Timeline */
.timeline { list-style: none; padding: 0; margin: 24px 0 0; border-left: 3px solid var(--brass-2); }
.timeline li { position: relative; padding: 0 0 26px 28px; }
.timeline li::before { content: ""; position: absolute; left: -10px; top: 6px; width: 16px; height: 16px; border-radius: 50%; background: var(--brass-2); border: 3px solid #fff; box-shadow: 0 0 0 2px var(--brass-2); }
.timeline strong { display: block; font-family: var(--head); font-size: 1.02rem; }
.timeline span.day { display: inline-block; font-size: .74rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--brass-ink); margin-bottom: 4px; }
.timeline p { margin: 4px 0 0; color: var(--slate); font-size: .95rem; }

/* Prose + sidebar */
.prose-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(36px, 5vw, 64px); align-items: start; }
@media (max-width: 1000px) { .prose-grid { grid-template-columns: 1fr; } }
.prose { max-width: 760px; }
.prose h2 { font-size: clamp(1.5rem, 2.5vw, 2rem); margin: 44px 0 14px; }
.prose > h2:first-child { margin-top: 0; }
.prose h3 { margin: 30px 0 10px; }
.prose p, .prose li { color: #3a4a5c; }
.prose li { margin-bottom: 7px; }
.prose strong { color: var(--ink); }
.prose a:not(.btn) { color: var(--brass-ink); font-weight: 600; text-decoration: underline; }
.prose a:not(.btn):hover { color: var(--ink); }
.callout { background: var(--sand); border-left: 4px solid var(--brass-2); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 18px 22px; margin: 26px 0; }
.callout p:last-child { margin-bottom: 0; }
.callout.rule { background: #eef3f8; border-left-color: var(--ink-3); }
.callout .label { display: block; font-size: .74rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--brass-ink); margin-bottom: 6px; }
.callout.rule .label { color: var(--ink-3); }
.sidebar { position: sticky; top: 96px; display: grid; gap: 18px; }
@media (max-width: 1000px) { .sidebar { position: static; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); } }
.side-card { background: var(--ink); color: #c5d0dc; border-radius: var(--radius); padding: 24px; }
.side-card h3 { color: #fff; font-size: 1.1rem; margin-bottom: 6px; }
.side-card p { font-size: .9rem; margin-bottom: 14px; }
.side-card .btn { width: 100%; }
.side-card.light { background: var(--paper); color: var(--slate); border: 1px solid var(--line); }
.side-card.light h3 { color: var(--ink); }
.side-list { display: grid; gap: 0; font-size: .92rem; }
.side-list a { display: block; padding: 9px 0; border-bottom: 1px solid var(--line); font-weight: 600; color: var(--ink); text-decoration: none; }
.side-list a:last-child { border-bottom: 0; }
.side-list a:hover { color: var(--brass-ink); }
.side-list a[aria-current] { color: var(--brass-ink); }
.sample { background: #fff; border: 1px dashed #b9c3cf; border-radius: var(--radius-sm); padding: 22px 24px; font-size: .94rem; margin: 20px 0 28px; }
.sample p { margin-bottom: .8em; }
.sample p:last-child { margin-bottom: 0; }

/* FAQ */
details { background: var(--paper); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; padding: 0 20px; }
summary { cursor: pointer; list-style: none; padding: 18px 34px 18px 0; font-weight: 700; position: relative; font-family: var(--head); font-size: 1rem; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 0; top: 14px; color: var(--brass-ink); font-size: 1.4rem; font-weight: 400; }
details[open] summary::after { content: "\2013"; }
details p { color: var(--slate); margin-bottom: 18px; font-size: .95rem; }
details p:last-child { margin-bottom: 18px; }

/* Contact / form */
.contact { background: linear-gradient(160deg, #0f1c2b, #1b2f45); color: #c5d0dc; }
.contact h2 { color: #fff; }
.contact .lede { color: #c5d0dc; }
.contact-meta { display: grid; gap: 10px; margin-top: 24px; font-weight: 600; }
.contact-meta a { color: #fff; text-decoration: none; }
.contact-meta a:hover { color: var(--brass-2); }
.contact-meta span { color: #a9b6c4; font-weight: 400; display: block; font-size: .88rem; }
.form-card { background: #fff; color: var(--ink); border-radius: 20px; padding: 30px; box-shadow: 0 30px 60px rgba(0,0,0,.3); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field.full { grid-column: 1 / -1; }
label { font-size: .82rem; font-weight: 700; }
input, select, textarea { width: 100%; border: 1px solid #c9d1db; background: #fbfbfa; border-radius: 10px; padding: 12px 14px; color: var(--ink); font: inherit; font-size: 16px; outline: none; }
input:focus, select:focus, textarea:focus { border-color: var(--brass); box-shadow: 0 0 0 3px rgba(217,169,63,.25); }
textarea { min-height: 120px; resize: vertical; }
.consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; font-size: .8rem; color: var(--muted); font-weight: 400; }
.consent input { width: 18px; height: 18px; margin-top: 2px; }
.form-note { color: var(--muted); font-size: .78rem; margin: 12px 0 0; }
.form-status { margin-top: 12px; font-size: .9rem; display: none; }
.form-status.ok { display: block; color: var(--ok); }
.form-status.err { display: block; color: #b3261e; }
@media (max-width: 620px) { .form-grid { grid-template-columns: 1fr; } .field.full { grid-column: auto; } .form-card { padding: 22px; } }

/* CTA band */
.cta-band { background: var(--brass-2); color: var(--ink); padding: 48px 0; }
.cta-band-in { display: flex; flex-wrap: wrap; gap: 20px; align-items: center; justify-content: space-between; }
.cta-band h2 { margin: 0 0 .25em; font-size: clamp(1.4rem, 2.4vw, 1.9rem); }
.cta-band p { margin: 0; color: #4a3a12; }

/* Footer */
.site-footer { background: #0a141f; color: #aeb9c6; padding: 56px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 36px; }
.footer-about p { color: #8a97a6; font-size: .88rem; max-width: 460px; margin-top: 16px; }
.footer-title { color: #fff; font-family: var(--head); font-weight: 700; font-size: .84rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 14px; }
.footer-links { display: grid; gap: 8px; }
.footer-links a { color: #aeb9c6; text-decoration: none; }
.footer-links a:hover { color: var(--brass-2); }
.footer-bottom { border-top: 1px solid var(--line-dark); padding-top: 22px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: .78rem; color: #7b889a; }
.footer-bottom a { color: #aeb9c6; }
.disclaimer { font-size: .78rem; color: #7b889a; max-width: 900px; margin-top: 14px; }
@media (max-width: 980px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-about { grid-column: 1 / -1; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } .footer-about { grid-column: auto; } }

/* Mobile call bar */
.mobile-call { display: none; position: fixed; left: 12px; right: 12px; bottom: max(12px, env(safe-area-inset-bottom)); z-index: 60; background: var(--brass-2); color: var(--ink); border-radius: 999px; min-height: 52px; align-items: center; justify-content: center; font-weight: 800; text-decoration: none; box-shadow: 0 12px 30px rgba(0,0,0,.25); }
@media (max-width: 700px) { .mobile-call { display: flex; } .site-footer { padding-bottom: 96px; } }

/* Misc */
.legal .prose { max-width: 860px; margin: 0 auto; }
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; margin: 18px 0 0; padding: 0; list-style: none; }
.pill-row li { background: var(--sand); border: 1px solid var(--line); border-radius: 999px; padding: 7px 14px; font-size: .88rem; font-weight: 600; }
.notfound { text-align: center; padding: 90px 0; }
.notfound h1 { font-size: clamp(2.5rem, 8vw, 5rem); }
.author-box { display: grid; grid-template-columns: 72px 1fr; gap: 16px; align-items: center; background: var(--sand); border-radius: var(--radius); padding: 18px 20px; margin-top: 40px; }
.author-box img { width: 72px; height: 72px; border-radius: 50%; }
.author-box p { margin: 0; font-size: .92rem; color: var(--slate); }
.author-box strong { color: var(--ink); display: block; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}