/* Property Claims Loss — site styles. Plain CSS, no frameworks. */
:root {
  --ink: #13201c;
  --green: #1d4a3c;
  --green-2: #275f4d;
  --brass: #b5862f;
  --brass-soft: #f3e7cc;
  --paper: #f8f5ef;
  --white: #ffffff;
  --line: #e3dccd;
  --muted: #5a645f;
  --radius: 14px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --wrap: 1140px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
}
img, svg { max-width: 100%; display: block; }
a { color: var(--green); text-underline-offset: 3px; }
a:hover { color: var(--brass); }
h1, h2, h3 { font-family: var(--serif); line-height: 1.18; font-weight: 600; letter-spacing: -0.01em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); }
h3 { font-size: 1.28rem; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.25em; margin: 0 0 1em; }
li { margin-bottom: .4em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 22px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--white); padding: 8px 14px; z-index: 50; }
.skip:focus { left: 8px; }
:focus-visible { outline: 3px solid var(--brass); outline-offset: 2px; }

/* Header */
.topbar { background: var(--ink); color: #d9e2dd; font-size: .86rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 12px; padding-top: 7px; padding-bottom: 7px; flex-wrap: wrap; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 74px; }
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-name { font-family: var(--serif); font-size: 1.28rem; font-weight: 700; line-height: 1.05; }
.brand-name small { display: block; font-family: var(--sans); font-size: .7rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-top: 3px; }
.nav ul { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; align-items: center; }
.nav li { margin: 0; }
.nav a { display: block; white-space: nowrap; padding: 8px 11px; border-radius: 8px; text-decoration: none; color: var(--ink); font-weight: 560; font-size: .95rem; }
.nav a:hover, .nav a[aria-current="page"] { background: var(--paper); color: var(--green); }
.menu { display: none; }
.menu summary { list-style: none; cursor: pointer; padding: 9px 14px; border: 1px solid var(--line); border-radius: 9px; font-weight: 600; }
.menu summary::-webkit-details-marker { display: none; }

/* Buttons */
.btn { display: inline-block; padding: 13px 22px; border-radius: 10px; font-weight: 650; text-decoration: none; border: 2px solid transparent; transition: transform .15s ease, background .15s ease; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--brass); color: #1b1408; }
.btn-primary:hover { background: #c99a43; color: #1b1408; }
.btn-dark { background: var(--green); color: #fff; }
.btn-dark:hover { background: var(--green-2); color: #fff; }
.btn-ghost { border-color: rgba(255,255,255,.55); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.1); color: #fff; }
.btn-outline { border-color: var(--green); color: var(--green); }
.nav .btn { margin-left: 8px; padding: 9px 16px; color: #fff; background: var(--green); }
.nav .btn:hover { background: var(--green-2); color: #fff; }

/* Hero */
.hero { background: radial-gradient(1200px 500px at 85% -10%, #2f6b57 0%, transparent 60%), linear-gradient(160deg, #163b30 0%, #12261f 100%); color: #eef3f0; padding: 78px 0 86px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -8%; bottom: -45%; width: 520px; height: 520px; border: 1px solid rgba(181,134,47,.25); border-radius: 50%; }
.hero .wrap { display: grid; grid-template-columns: 1.25fr .9fr; gap: 48px; align-items: center; position: relative; z-index: 1; }
.eyebrow { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--brass); margin-bottom: 14px; }
.hero h1 { color: #fff; }
.hero .lead { font-size: 1.16rem; color: #cfdcd5; max-width: 40em; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 26px; }
.hero-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius); padding: 28px; }
.hero-card h2 { font-size: 1.25rem; color: #fff; }
.hero-card ol { margin: 0; padding: 0; list-style: none; counter-reset: s; }
.hero-card li { counter-increment: s; position: relative; padding: 0 0 14px 44px; color: #d6e1db; font-size: .97rem; }
.hero-card li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 30px; height: 30px; border-radius: 50%; background: var(--brass); color: #1b1408; font-weight: 700; display: grid; place-items: center; font-size: .9rem; }
.hero-card li strong { color: #fff; display: block; }

.page-hero { background: linear-gradient(160deg, #163b30 0%, #12261f 100%); color: #e9f0ec; padding: 54px 0 50px; }
.page-hero h1 { color: #fff; max-width: 22em; }
.page-hero .lead { color: #cfdcd5; font-size: 1.12rem; max-width: 46em; margin: 0; }
.crumbs { font-size: .86rem; margin-bottom: 14px; color: #a9bcb2; }
.crumbs a { color: #d9e6df; }

/* Sections */
section { padding: 72px 0; }
.section-alt { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 46em; margin-bottom: 34px; }
.section-head p { color: var(--muted); font-size: 1.06rem; }
.answer { background: var(--white); border: 1px solid var(--line); border-left: 5px solid var(--brass); border-radius: 10px; padding: 24px 28px; max-width: 54em; }
.answer h2 { font-size: 1.45rem; }
.answer p:last-child { margin: 0; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.section-alt .card { background: var(--paper); }
.card-feature { padding: 34px; }
.card-feature .tag { font-size: .75rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--brass); }
.card-feature h3 { font-size: 1.6rem; margin-top: 6px; }
.card ul { margin-bottom: 1.2em; }
.card h3:last-child, .card p:last-child { margin-bottom: 0; }
.icon { width: 46px; height: 46px; border-radius: 12px; background: var(--brass-soft); display: grid; place-items: center; margin-bottom: 16px; color: var(--green); }
.icon svg { width: 24px; height: 24px; }
.checks { list-style: none; padding: 0; }
.checks li { padding-left: 28px; position: relative; }
.checks li::before { content: ""; position: absolute; left: 2px; top: .5em; width: 14px; height: 8px; border-left: 2.5px solid var(--brass); border-bottom: 2.5px solid var(--brass); transform: rotate(-45deg); }

.steps { counter-reset: st; display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; list-style: none; padding: 0; }
.steps li { counter-increment: st; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 20px; margin: 0; }
.steps li::before { content: "0" counter(st); display: block; font-family: var(--serif); font-size: 1.9rem; color: var(--brass); font-weight: 700; margin-bottom: 6px; }
.steps h3 { font-size: 1.1rem; }
.steps p { font-size: .95rem; color: var(--muted); margin: 0; }

.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
table { width: 100%; border-collapse: collapse; font-size: .97rem; }
th, td { text-align: left; padding: 14px 18px; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--green); color: #fff; font-weight: 650; }
tbody th { font-weight: 650; background: #fbf9f4; }
tbody tr:last-child th, tbody tr:last-child td { border-bottom: 0; }

.prose { max-width: 46em; }
.prose h2 { margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.3em; }
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; align-items: start; }
.aside { position: sticky; top: 100px; }
.aside .card + .card { margin-top: 18px; }
.aside h2 { font-size: 1.2rem; }
.toc { list-style: none; padding: 0; margin: 0; }
.toc a { text-decoration: none; }

.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; }
.faq summary { cursor: pointer; padding: 18px 52px 18px 22px; font-weight: 650; font-family: var(--serif); font-size: 1.12rem; list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--brass); font-family: var(--sans); }
.faq details[open] summary::after { content: "\2013"; }
.faq .a { padding: 0 22px 18px; }
.faq .a p:last-child { margin: 0; }
.faq h2 { margin-top: 1.4em; font-size: 1.5rem; }
.faq h2:first-child, .section-head h2 { margin-top: 0; }
.faq .section-head h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); }
.section-tight { padding: 56px 0 8px; }

.cta-band { background: var(--green); color: #e8efeb; padding: 56px 0; }
.cta-band .wrap { display: flex; justify-content: space-between; align-items: center; gap: 28px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin-bottom: .25em; }
.cta-band p { margin: 0; color: #cfe0d7; }

.note { font-size: .9rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 14px; margin-top: 26px; }
.updated { font-size: .88rem; color: var(--muted); }
.contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li { padding: 14px 0; border-bottom: 1px solid var(--line); margin: 0; }
.contact-list li:last-child { border-bottom: 0; }
.contact-list strong { display: block; font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.contact-list a { font-size: 1.2rem; font-weight: 650; text-decoration: none; }

/* Footer */
.site-footer { background: var(--ink); color: #b9c7c0; padding: 56px 0 28px; font-size: .94rem; }
.site-footer a { color: #e7eeea; text-decoration: none; }
.site-footer a:hover { color: var(--brass); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 32px; }
.site-footer h2 { font-family: var(--sans); font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: #fff; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; }
.site-footer .brand { color: #fff; margin-bottom: 14px; }
.site-footer .brand-name small { color: #9fb0a8; }
.legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 34px; padding-top: 20px; font-size: .84rem; color: #93a49c; }
.legal p { margin: 0 0 .5em; }

/* Responsive */
@media (max-width: 1020px) {
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 1120px) {
  .nav { display: none; }
  .menu { display: block; position: relative; }
  .menu ul { position: absolute; right: 0; top: 52px; background: var(--white); border: 1px solid var(--line); border-radius: 12px; list-style: none; margin: 0; padding: 8px; width: 250px; box-shadow: 0 18px 40px rgba(0,0,0,.12); }
  .menu li { margin: 0; }
  .menu a { display: block; padding: 11px 14px; text-decoration: none; color: var(--ink); border-radius: 8px; font-weight: 560; }
  .menu a:hover { background: var(--paper); }
}
@media (max-width: 900px) {
  .hero .wrap, .layout, .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .aside { position: static; }
  .hero { padding: 56px 0 60px; }
  section { padding: 56px 0; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .steps, .footer-grid { grid-template-columns: 1fr; }
  .topbar .hide-sm { display: none; }
  .brand-name small { display: none; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }
@media print { .site-header, .topbar, .cta-band, .site-footer { display: none; } }