/* Public connecting sites: one look for every address. Navy and teal from the Claim TPD logo. */
:root {
  --navy: #042352;
  --teal: #0b9ca1;          /* the logo's teal: shapes and accents only, too light for white text */
  --accent: #087478;        /* darker teal for buttons and links (readable with white text) */
  --accent-dark: #042352;
  --mist: #e7f6f6;
  --ink: #1f2937;
  --muted: #5b6474;
  --line: #dfe4ec;
  --bg: #ffffff;
  --bg-alt: #f5f7fb;
  --warn-bg: #fff7e6;
  --warn-line: #f2c46d;
  --alert-bg: #fdecec;
  --alert-line: #e8a1a1;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(18, 20, 64, .06), 0 6px 20px rgba(18, 20, 64, .06);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 17px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
}
img { max-width: 100%; height: auto; }
a { color: var(--accent); }
a:hover { color: var(--accent-dark); }
h1, h2, h3 { color: var(--navy); line-height: 1.2; margin: 0 0 .6em; }
h1 { font-size: clamp(1.9rem, 4.5vw, 2.8rem); letter-spacing: -.01em; }
h2 { font-size: 1.35rem; margin-top: 1.4em; }
p { margin: 0 0 1em; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.center { text-align: center; }
.muted { color: var(--muted); }
.small { font-size: .88rem; }
.lead { font-size: 1.15rem; color: #374151; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 8px; background: #fff; padding: 8px 12px; z-index: 10; }

/* Header */
.top { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 5; }
.top-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.brand strong { display: block; font-size: 1.05rem; line-height: 1.15; }
.brand small { display: block; color: var(--muted); font-size: .78rem; }
.nav { display: flex; align-items: center; gap: 18px; }
.nav a { text-decoration: none; font-weight: 600; color: var(--navy); }
.nav .phone { white-space: nowrap; }
.nav .btn { color: #fff; }

/* Buttons */
.btn {
  display: inline-block; border: 2px solid var(--accent); background: var(--accent); color: #fff;
  font: inherit; font-weight: 700; padding: 12px 22px; border-radius: 999px; text-decoration: none;
  cursor: pointer; text-align: center;
}
.btn:hover { background: var(--accent-dark); border-color: var(--accent-dark); color: #fff; }
.btn:disabled { opacity: .6; cursor: wait; }
.btn-ghost { background: #fff; color: var(--accent); }
.btn-ghost:hover { background: var(--mist); color: var(--accent-dark); }
.btn-small { padding: 8px 16px; font-size: .95rem; }
.btn-block { display: block; width: 100%; }
:focus-visible { outline: 3px solid #6cc9cc; outline-offset: 2px; }

/* Round number badges (the logo's circle) */
.num {
  display: inline-grid; place-items: center; flex: none; width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy) 35%, var(--teal)); color: #fff; font-weight: 800;
}
.num-sm { width: 34px; height: 34px; font-size: .9rem; }
.num-lg { width: 76px; height: 76px; font-size: 2rem; margin-bottom: 12px; }

/* Header logo */
.brand-mark { width: 62px; height: 42px; }
.brand-logo { display: flex; flex-direction: column; gap: 2px; }
.brand-logo img { width: 180px; height: 44px; }
.brand-logo small { padding-left: 2px; }

/* Home: hero */
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.hero {
  position: relative; overflow: hidden; color: #e6f4f5; padding: 64px 0 72px;
  background:
    radial-gradient(900px 520px at 85% 10%, rgba(11, 156, 161, .45), transparent 60%),
    radial-gradient(700px 500px at 0% 100%, rgba(11, 156, 161, .28), transparent 60%),
    linear-gradient(160deg, #031a3d 0%, var(--navy) 45%, #063a5c 100%);
}
.hero-flow { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-flow path { fill: none; stroke: rgba(108, 201, 204, .28); stroke-width: 2; stroke-dasharray: 6 10; animation: flow 18s linear infinite; }
.hero-flow path + path { stroke: rgba(108, 201, 204, .16); animation-duration: 26s; }
@keyframes flow { to { stroke-dashoffset: -320; } }
.dot { position: absolute; width: 10px; height: 10px; border-radius: 50%; background: #6cc9cc; box-shadow: 0 0 0 6px rgba(108, 201, 204, .15); animation: drift 9s ease-in-out infinite; }
.d1 { left: 6%; top: 22%; } .d2 { left: 44%; top: 12%; animation-delay: -3s; }
.d3 { left: 52%; bottom: 14%; animation-delay: -5s; } .d4 { right: 4%; bottom: 30%; animation-delay: -7s; }
@keyframes drift { 50% { transform: translateY(-14px); } }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; align-items: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px; padding: 6px 14px; border-radius: 999px;
  background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .16); font-size: .88rem; color: #cfeff0;
}
.pulse { width: 8px; height: 8px; border-radius: 50%; background: #39d98a; box-shadow: 0 0 0 0 rgba(57, 217, 138, .6); animation: pulse 2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 10px rgba(57, 217, 138, 0); } 100% { box-shadow: 0 0 0 0 rgba(57, 217, 138, 0); } }
.hero h1 { color: #fff; font-size: clamp(2.3rem, 5.6vw, 4rem); font-weight: 800; letter-spacing: -.025em; line-height: 1.04; margin: 22px 0 18px; }
.hl {
  display: block; background: linear-gradient(90deg, #6cc9cc, #b8f0e6 60%, #ffd977); -webkit-background-clip: text;
  background-clip: text; color: transparent;
}
.hero .lead { color: #cfe3ea; max-width: 34em; }
.starter { margin-top: 26px; padding: 14px; border-radius: 22px; background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .18); backdrop-filter: blur(6px); }
.starter-box { display: flex; align-items: flex-end; gap: 8px; background: #fff; border-radius: 16px; padding: 8px 8px 8px 16px; box-shadow: 0 10px 30px rgba(0, 0, 0, .25); }
.starter-box textarea { border: 0; padding: 8px 0; resize: none; min-height: 48px; box-shadow: none; }
.starter-box textarea:focus { box-shadow: none; }
.starter-box:focus-within { outline: 3px solid #6cc9cc; outline-offset: 2px; }
.starter-go {
  flex: none; width: 48px; height: 48px; border: 0; border-radius: 14px; cursor: pointer;
  background: linear-gradient(135deg, var(--accent), var(--teal)); display: grid; place-items: center;
  transition: transform .15s;
}
.starter-go:hover { transform: translateX(2px); }
.starter-go svg { width: 22px; height: 22px; fill: none; stroke: #fff; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
.chip {
  padding: 7px 14px; border-radius: 999px; background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .22);
  color: #fff; text-decoration: none; font-size: .9rem; font-weight: 600; transition: background .15s, transform .15s;
}
.chip:hover { background: #fff; color: var(--navy); transform: translateY(-1px); }
.hero-call { margin: 16px 0 0; color: #cfe3ea; }
.hero-call a { color: #fff; font-weight: 700; }
.hero-art { position: relative; }
.frame {
  position: relative; aspect-ratio: 7 / 8; max-width: 460px; margin-left: auto; overflow: hidden;
  border-radius: 46% 54% 40% 60% / 38% 40% 60% 62%; box-shadow: 0 0 0 10px rgba(108, 201, 204, .18), 0 30px 60px rgba(0, 0, 0, .35);
}
.frame img, .frame .scene { display: block; width: 100%; height: 100%; object-fit: cover; }
.sun { animation: sun 8s ease-in-out infinite; transform-origin: 380px 230px; }
@keyframes sun { 50% { transform: scale(1.05); } }
.wave { animation: wave 7s ease-in-out infinite; }
.w2 { animation-duration: 9s; animation-direction: reverse; }
@keyframes wave { 50% { transform: translateX(-18px); } }
.float {
  position: absolute; display: flex; gap: 12px; align-items: center; padding: 12px 16px; border-radius: 16px;
  background: #fff; color: var(--ink); box-shadow: 0 16px 40px rgba(0, 0, 0, .25); animation: drift 7s ease-in-out infinite;
}
.float strong { display: block; color: var(--navy); font-size: .95rem; }
.float small { color: var(--muted); font-size: .82rem; }
.f1 { left: -6%; top: 14%; }
.f2 { right: -2%; bottom: 8%; animation-delay: -3.5s; }
.tick { display: grid; place-items: center; width: 34px; height: 34px; flex: none; border-radius: 50%; background: #dff7ec; color: #15803d; font-weight: 800; }
.clock { width: 34px; height: 34px; border-radius: 50%; border: 3px solid var(--teal); position: relative; flex: none; }
.clock::before, .clock::after { content: ""; position: absolute; left: 50%; top: 50%; width: 3px; background: var(--navy); border-radius: 2px; transform-origin: top center; }
.clock::before { height: 9px; transform: translate(-50%, 0) rotate(180deg); }
.clock::after { height: 7px; transform: translate(-50%, 0) rotate(-90deg); }

/* Home: how it works, joined by a connecting line */
.how-band { padding-top: 56px; }
.how { list-style: none; margin: 28px 0 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; position: relative; }
.how::before {
  content: ""; position: absolute; top: 22px; left: 16%; right: 16%; height: 3px;
  background: repeating-linear-gradient(90deg, var(--teal) 0 10px, transparent 10px 18px);
}
.how li { position: relative; text-align: center; padding: 0 8px; }
.how .num { position: relative; box-shadow: 0 0 0 8px #fff; margin-bottom: 12px; }
.how strong { display: block; color: var(--navy); font-size: 1.1rem; }
.how p { margin: 4px 0 0; color: var(--muted); }
.card-icon { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 14px; background: var(--mist); }
.card-icon svg { width: 26px; height: 26px; fill: none; stroke: var(--accent); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.card .card-go { margin-top: auto; padding-top: 6px; color: var(--accent); font-weight: 700; font-size: .92rem; }
.cta-band { padding: 56px 0; color: #e6f4f5; background: linear-gradient(135deg, var(--navy), #063a5c 60%, var(--accent)); }
.cta-band h2 { color: #fff; margin-top: 0; }
.btn-bright { background: #fff; border-color: #fff; color: var(--navy); }
.btn-bright:hover { background: #ffd977; border-color: #ffd977; color: var(--navy); }
.band { padding: 44px 0; }
.band-alt { background: var(--bg-alt); }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.card {
  display: flex; flex-direction: column; gap: 6px; padding: 20px; border: 1px solid var(--line);
  border-radius: var(--radius); background: #fff; text-decoration: none; color: var(--ink);
  transition: border-color .15s, box-shadow .15s, transform .15s;
}
.card:hover { border-color: var(--accent); box-shadow: var(--shadow); color: var(--ink); transform: translateY(-3px); }
.card strong { color: var(--navy); font-size: 1.1rem; }
.card > span:nth-of-type(2) { color: var(--muted); font-size: .95rem; }
.guide-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.guide-list a {
  display: block; padding: 16px 20px; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); text-decoration: none;
}
.guide-list a:hover { border-color: var(--accent); }
.guide-list strong { display: block; color: var(--navy); }
.guide-list span { color: var(--muted); font-size: .95rem; }

/* Guides */
.guide { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 40px; align-items: start; }
.guide-side { position: sticky; top: 88px; display: grid; gap: 16px; }
.crumbs { font-size: .9rem; margin-bottom: .4em; }
.steps { padding-left: 1.3em; }
.steps li { margin-bottom: .5em; }
.panel { border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; background: #fff; }
.panel h2 { margin-top: 0; font-size: 1.1rem; }
.panel ul { margin: 0; padding-left: 1.2em; }
.panel li { margin-bottom: .4em; }
.panel-warn { background: var(--warn-bg); border-color: var(--warn-line); }
.panel-alert { background: var(--alert-bg); border-color: var(--alert-line); margin-bottom: 12px; }
.panel-cta { background: var(--mist); border-color: #bfe5e6; margin-top: 24px; }
.prose h2 { font-size: 1.15rem; }

/* Guided form */
.flow fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
.flow legend { padding: 0; width: 100%; }
.flow h1 { font-size: clamp(1.6rem, 4vw, 2.2rem); outline: none; }
.progress { height: 6px; background: var(--line); border-radius: 99px; overflow: hidden; }
.progress span { display: block; height: 100%; width: 25%; background: var(--accent); transition: width .3s; }
.step-count { color: var(--muted); font-size: .9rem; margin: 8px 0 18px; }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice { position: relative; cursor: pointer; }
.choice input { position: absolute; opacity: 0; }
.choice span {
  display: block; height: 100%; padding: 16px 18px; border: 2px solid var(--line); border-radius: var(--radius);
  background: #fff;
}
.choice strong { display: block; color: var(--navy); }
.choice small { color: var(--muted); font-size: .9rem; }
.choice input:checked + span { border-color: var(--accent); background: var(--mist); }
.choice input:focus-visible + span { outline: 3px solid #6cc9cc; outline-offset: 2px; }
.field { display: block; margin-bottom: 16px; }
.field > span { display: block; font-weight: 600; margin-bottom: 6px; color: var(--navy); }
.field em { font-weight: 400; color: var(--muted); font-style: normal; }
.field .hint { display: block; color: var(--muted); margin-top: 4px; }
input[type=text], input[type=tel], input[type=email], input[type=date], select, textarea {
  width: 100%; font: inherit; padding: 11px 13px; border: 1.5px solid #c9d0db; border-radius: 10px;
  background: #fff; color: var(--ink);
}
input:focus, select:focus, textarea:focus { border-color: var(--accent); outline: none; box-shadow: 0 0 0 3px #cdeeee; }
[aria-invalid=true] { border-color: #c0392b; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.check { display: flex; gap: 10px; align-items: flex-start; margin: 8px 0 16px; }
.check input { width: 20px; height: 20px; margin-top: 3px; flex: none; }
.error { color: #b42318; font-weight: 600; margin: -8px 0 14px; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; margin-top: 20px; }
.actions .btn:only-child { margin-left: auto; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.loading { display: flex; align-items: center; gap: 12px; padding: 30px 0; color: var(--muted); }
.spinner {
  width: 22px; height: 22px; border: 3px solid var(--line); border-top-color: var(--accent); border-radius: 50%;
  animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.done { text-align: center; padding: 20px 0; }
[hidden] { display: none !important; }

/* Footer */
.foot { background: var(--navy); color: #d7dbea; padding: 36px 0 20px; margin-top: 20px; font-size: .95rem; }
.foot a { color: #fff; }
.foot-grid { display: grid; grid-template-columns: 2fr 1.3fr 1fr; gap: 28px; }
.foot-brand {
  display: inline-flex; align-items: center; gap: 8px; color: var(--navy); font-weight: 700;
  background: #fff; border-radius: 12px; padding: 8px 14px;
}
.foot-brand img { display: block; }
.foot { border-top: 4px solid var(--teal); }
.fine { border-top: 1px solid rgba(255, 255, 255, .15); margin-top: 16px; padding-top: 16px; font-size: .8rem; color: #aab1c9; }

/* Phones and small tablets */
@media (max-width: 860px) {
  .hero-grid, .guide { grid-template-columns: 1fr; }
  .hero-art { max-width: 420px; width: 100%; margin: 8px auto 0; }
  .frame { margin: 0 auto; }
  .guide-side { position: static; }
  .cards { grid-template-columns: 1fr 1fr; }
  .foot-grid { grid-template-columns: 1fr; gap: 4px; }
}
.nav a { white-space: nowrap; }
@media (max-width: 760px) {
  .nav a[href="/guides"], .brand small { display: none; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .nav { gap: 12px; }
  .nav a:not(.phone) { display: none; }
  .nav .phone { font-size: .95rem; padding: 6px 12px; border: 2px solid var(--accent); border-radius: 999px; color: var(--accent); }
  .brand small { display: none; }
  .hero { padding: 36px 0 48px; }
  .how { grid-template-columns: 1fr; }
  .how::before { display: none; }
  .f1 { left: 0; top: 6%; } .f2 { right: 0; bottom: 4%; }
  .cards, .choices, .two { grid-template-columns: 1fr; }
  .actions { flex-direction: column-reverse; }
  .actions .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}
.panel-note { background: var(--mist); border-color: #bfe5e6; }
.panel-note h2 { font-size: 1.15rem; }
.guide-list .panel strong { display: block; color: var(--navy); font-size: 1.1rem; margin-bottom: 4px; }
.guide-list .panel p { margin-bottom: .4em; }
.step-sub { margin: 1.6em 0 .7em; font-size: 1.2rem; padding-top: 1.2em; border-top: 1px solid var(--line); }