/* superclaim content pages. The system is in tools/pages/DESIGN.md; tokens match site/index.html.
   No boxes: content sits on the page, split by whitespace and at most one 1px hairline. Only figures (bill bar,
   timeline, formula, tables) keep bounds, and their own track or axis is the boundary.
   Light only: no dark theme. One ink-blue accent; WhatsApp green (--wa) only on .btn, which always opens WhatsApp. */
:root {
  color-scheme: light;
  --bg: #fcfbf8; --tint: #f3f1eb; --line: #e4e1d9; --card: #ffffff;
  --ink: #15171c; --ink-soft: #3b3e47; --muted: #666a74;
  --accent: #27468a; --accent-hover: #1f3a75; --accent-soft: #e9eef8; --on-accent: #ffffff;
  --wa: #25d366; --wa-hover: #1fbf5b; --on-wa: #0b1a10;
  --doodle-paper: var(--bg);
  --hatch: repeating-linear-gradient(135deg, var(--ink) 0 2px, transparent 2px 7px);
  --ease-out: cubic-bezier(0.23, 1, 0.32, 1);
  --font: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Noto Sans", "Helvetica Neue", Arial, sans-serif;
  --fs-xs: 0.75rem; --fs-sm: 0.8125rem; --fs-s: 0.9375rem;
  --fs-fig: clamp(1.5rem, 1.2rem + 1.4vw, 2.25rem);
  --s-1: 4px; --s-2: 8px; --s-3: 12px; --s-4: 16px; --s-5: 24px; --s-6: 32px; --s-7: 48px; --s-8: 64px;
  --r-card: 16px; --r-plate: 12px; --r-bar: 6px; --wrap: 1160px; --read: 760px; --wide: 1000px; --gutter: 16px; --nav: 64px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
html, body { overflow-x: clip; }
body {
  margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font);
  font-size: 1.0625rem; line-height: 1.55; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
}
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
h1, h2, h3 { margin: 0; color: var(--ink); text-wrap: balance; }
h1 { font-size: clamp(2rem, 1.4rem + 2.6vw, 3rem); font-weight: 700; line-height: 1.05; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.5rem, 1.25rem + 1vw, 1.875rem); font-weight: 700; line-height: 1.12; letter-spacing: -0.02em; margin: 0 0 var(--s-4); }
h3 { font-size: 1.125rem; font-weight: 600; line-height: 1.3; margin: var(--s-5) 0 var(--s-2); }
p { margin: 0 0 var(--s-4); text-wrap: pretty; }
a { color: var(--accent); text-underline-offset: 3px; overflow-wrap: anywhere; }
@media (hover: hover) and (pointer: fine) { a:hover { color: var(--accent-hover); } }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; }
ul, ol { padding-left: 1.25rem; margin: 0 0 var(--s-4); }
li { margin-bottom: var(--s-2); }
svg { max-width: 100%; }
svg.i { width: 20px; height: 20px; flex: none; fill: none; stroke: currentColor; stroke-width: 16; stroke-linecap: round; stroke-linejoin: round; }
.label { font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin-bottom: var(--s-3); }
.muted { color: var(--muted); }
.small { font-size: var(--fs-sm); }
.doodle { display: block; width: 100%; height: auto; color: var(--ink); }

/* Header: wordmark links home; the one button opens WhatsApp. */
.nav { border-bottom: 1px solid var(--line); background: var(--bg); }
.nav .wrap { height: var(--nav); display: flex; align-items: center; gap: var(--s-4); }
.brand { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 1.25rem; letter-spacing: -0.03em; color: var(--ink); text-decoration: none; }
.brand .mk { height: 1.3em; width: auto; flex: none; }
.nav .btn { margin-left: auto; }
.btn {
  display: inline-flex; justify-content: center; align-items: center; gap: 10px; height: 52px; padding: 0 26px; border-radius: 999px;
  background: var(--wa); color: var(--on-wa); font-weight: 600; font-size: 1rem; line-height: 1; text-decoration: none; white-space: nowrap;
  -webkit-tap-highlight-color: transparent; transition: transform 120ms var(--ease-out), background-color 150ms ease;
}
.btn svg.i { stroke-width: 16; }
.btn:active { transform: scale(0.98); }
@media (hover: hover) and (pointer: fine) { .btn:hover { background: var(--wa-hover); color: var(--on-wa); } }
.btn:focus-visible { outline-color: var(--wa); }
.btn.sm { height: 40px; padding: 0 16px; font-size: var(--fs-s); }

/* Page header: breadcrumb, eyebrow, H1, answer, dates, CTA; doodle on the page from 960px. */
.page { padding-bottom: var(--s-8); }
.band { border-bottom: 1px solid var(--line); padding: var(--s-5) 0 var(--s-6); }
.band-grid { display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-6); align-items: center; }
.band-main { max-width: calc(var(--read) + 48px); min-width: 0; }
.band-art { display: none; }
.crumbs ol { list-style: none; margin: 0 0 var(--s-5); padding: 0; display: flex; flex-wrap: wrap; gap: var(--s-1) var(--s-2); font-size: var(--fs-sm); color: var(--muted); }
.crumbs li { margin: 0; }
.crumbs li + li::before { content: "/"; margin-right: var(--s-2); color: var(--muted); opacity: 0.5; }
.crumbs a { color: var(--ink-soft); text-decoration: none; }
.crumbs [aria-current] { color: var(--muted); }
.kicker { display: inline-flex; margin-bottom: var(--s-3); color: var(--accent); }
.answer { position: relative; margin: var(--s-5) 0 var(--s-4); padding: 2px 0 2px var(--s-5); }
.answer::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; border-radius: 2px; background: var(--accent); }
.answer::after { content: "Short answer"; position: absolute; top: 2px; left: var(--s-5); font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--accent); }
.answer p { margin: 26px 0 0; font-size: 1.125rem; line-height: 1.5; color: var(--ink); }
.meta { display: flex; flex-wrap: wrap; gap: var(--s-1) var(--s-4); margin: 0; }
.chip { display: inline-flex; align-items: center; gap: 6px; color: var(--muted); font-size: var(--fs-sm); line-height: 1.4; }
.chip svg.i { width: 15px; height: 15px; color: var(--accent); }
.cta-row { display: flex; flex-wrap: wrap; align-items: center; gap: var(--s-2) var(--s-4); margin: var(--s-5) 0 0; }
.cta-row .btn { max-width: 100%; }
.trust { margin: 0; color: var(--muted); font-size: var(--fs-s); display: inline-flex; align-items: center; gap: 6px; }
.trust::before { content: ""; width: 16px; height: 16px; flex: none; background: var(--accent); -webkit-mask: var(--shield) center / contain no-repeat; mask: var(--shield) center / contain no-repeat; }
:root { --shield: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 256 256' fill='none' stroke='%23000' stroke-width='18' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M40 114.8V56a8 8 0 0 1 8-8h160a8 8 0 0 1 8 8v58.8c0 84.2-71.3 112-85.5 116.8a7.5 7.5 0 0 1-4.9 0C111.3 226.9 40 199 40 114.8Z'/%3E%3Cpath d='m88 136 24 24 56-56'/%3E%3C/svg%3E"); }

/* Body column. Sections sit 48px apart (64px on desktop). */
.body { padding-top: var(--s-6); }
.body > section, .prose > section, .body > .caveat { margin-top: var(--s-7); }
.body > section:first-child, .prose > section:first-child { margin-top: 0; }
.body p, .body > section > ul:not([class]), .body > section > ol:not([class]), .prose > section > ul:not([class]), .prose > section > ol:not([class]) { max-width: var(--read); }
.caveat { padding: 2px 0 2px var(--s-5); border-left: 4px solid var(--accent); color: var(--ink); max-width: var(--read); }
blockquote { margin: 0; padding: var(--s-2) var(--s-3); border-left: 3px solid var(--accent); color: var(--ink-soft); font-size: var(--fs-s); line-height: 1.5; }
.prose blockquote { margin: 0 0 var(--s-4); padding: var(--s-1) 0 var(--s-1) var(--s-4); max-width: var(--read); }
.prose blockquote p { margin: 0; }
.persona { color: var(--ink-soft); }
.persona-card { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: var(--s-3); max-width: var(--read); }
.persona-card .ci { grid-row: auto; }
.persona-card p { font-size: var(--fs-s); line-height: 1.5; margin-bottom: var(--s-2); }
.persona-card p:last-child { margin-bottom: 0; }

/* Status text and tags: coloured words, no fills */
.state, .tag { display: inline-flex; align-items: center; gap: 5px; font-size: var(--fs-sm); font-weight: 600; line-height: 1.35; color: var(--ink-soft); }
.state.over { color: var(--accent); }
.state.not { color: var(--ink); }
.state.not::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--ink); }
.state.over::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }
.state.maybe { color: var(--accent); }
.tag svg.i { width: 14px; height: 14px; }
.tag.prot { color: var(--accent); }
.tag.cut { color: var(--muted); font-weight: 500; }
.em { font-style: normal; font-size: 1.5rem; line-height: 1; margin-right: 10px; vertical-align: 0.1em; }

/* At a glance: rows of emoji, big value, muted label; a hairline above each row */
.facts > h2 { font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); margin: 0 0 var(--s-3); }
.facts > ul:not(.glance) { list-style: none; padding: 0; margin: 0; display: grid; gap: var(--s-2); max-width: var(--wide); }
.facts > ul:not(.glance) li { margin: 0; padding: var(--s-3) 0; border-top: 1px solid var(--line); font-size: var(--fs-s); line-height: 1.45; }
.glance { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: minmax(0, 1fr); column-gap: var(--s-7); max-width: var(--wide); }
.glance > li { margin: 0; display: flex; min-width: 0; border-top: 1px solid var(--line); }
.row { display: flex; flex-direction: column; gap: 4px; width: 100%; min-width: 0; padding: var(--s-4) 0 var(--s-5); }
.t-top { display: flex; align-items: baseline; }
.t-hero { font-size: var(--fs-fig); font-weight: 700; letter-spacing: -0.02em; line-height: 1.1; font-variant-numeric: tabular-nums; }
.t-term { font-size: var(--fs-s); color: var(--muted); }
.t-detail { font-size: var(--fs-sm); line-height: 1.45; color: var(--ink-soft); }
.t-src { font-size: var(--fs-xs); color: var(--muted); }
.meter { position: relative; display: block; height: 12px; max-width: 520px; margin: var(--s-3) 0 var(--s-1); border-radius: var(--r-bar); background: var(--bg); background-image: var(--hatch); box-shadow: inset 0 0 0 1px var(--line); }
.meter-fill { position: absolute; inset: 0 auto 0 0; width: var(--w); border-radius: var(--r-bar); background: var(--accent); }
.meter-mark { position: absolute; top: -5px; bottom: -5px; left: var(--at); width: 3px; margin-left: -3px; border-radius: 2px; background: var(--ink); }
.meter-key { display: grid; gap: 2px; font-size: var(--fs-sm); color: var(--ink-soft); font-variant-numeric: tabular-nums; }
.meter-key span { display: flex; align-items: center; gap: 6px; }
.sw { display: inline-block; flex: none; width: 12px; height: 12px; border-radius: 3px; }
.sw.ins { background: var(--accent); }
.sw.mid { background: var(--accent-soft); box-shadow: inset 0 0 0 1.5px var(--accent); }
.sw.you { background: var(--card); background-image: var(--hatch); box-shadow: inset 0 0 0 1px var(--ink); }
.sw.mark { width: 3px; height: 14px; border-radius: 2px; background: var(--ink); }

/* Waiting-period timeline */
.tl { position: relative; margin: 0; max-width: var(--wide); }
.tl-rows { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--s-4); }
.tl-rows li { margin: 0; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px var(--s-3); align-items: baseline; }
.tl-name { font-weight: 600; font-size: var(--fs-s); }
.tl-val { font-weight: 700; font-variant-numeric: tabular-nums; font-size: var(--fs-s); }
.tl-track { grid-column: 1 / -1; position: relative; height: 14px; border-radius: var(--r-bar); background: var(--tint); }
.tl-bar { position: absolute; top: 0; bottom: 0; left: var(--from, 0%); width: var(--w); border-radius: var(--r-bar); background: var(--accent); }
.tl-bar.alt { background: var(--accent-soft); box-shadow: inset 0 0 0 1.5px var(--accent); border-radius: 0 var(--r-bar) var(--r-bar) 0; }
.tl-track::after { content: ""; position: absolute; top: -6px; bottom: -6px; left: var(--mark); width: 2px; margin-left: -1px; background: var(--ink); border-radius: 1px; }
.tl-state { font-size: var(--fs-sm); color: var(--ink-soft); }
.tl-rows li.over .tl-state { color: var(--accent); font-weight: 600; }
.tl-rows li.not .tl-state { color: var(--ink); font-weight: 600; }
.tl-note { grid-column: 1 / -1; font-size: var(--fs-xs); color: var(--muted); margin-top: -4px; }
.tl-axis { position: relative; display: block; height: 44px; margin-top: var(--s-3); border-top: 1px solid var(--line); font-size: var(--fs-xs); color: var(--muted); font-variant-numeric: tabular-nums; }
.tl-axis span { position: absolute; white-space: nowrap; top: 4px; left: var(--at); transform: translateX(-50%); }
.tl-axis span:first-child { transform: none; }
.tl-axis span:last-of-type { transform: translateX(-100%); }
.tl-axis span:last-of-type::after { content: " months"; }
.tl-axis b { position: absolute; top: 22px; left: var(--at); transform: translateX(-50%); white-space: nowrap; padding: 1px 8px; border-radius: 999px; background: var(--ink); color: var(--bg); font-weight: 700; }
.tl-axis b::before { content: ""; position: absolute; left: 50%; top: -18px; height: 18px; width: 2px; margin-left: -1px; background: var(--ink); }
.tl figcaption { margin-top: var(--s-2); font-size: var(--fs-sm); color: var(--muted); max-width: var(--read); }

/* The bill as a stacked bar */
.bill, .heads { margin: var(--s-6) 0 var(--s-5); max-width: var(--wide); display: grid; gap: var(--s-4); }
.bill-top { display: flex; justify-content: space-between; align-items: baseline; gap: var(--s-3); font-size: var(--fs-sm); color: var(--muted); font-weight: 600; }
.bill-top strong { font-size: 1.25rem; color: var(--ink); font-variant-numeric: tabular-nums; letter-spacing: -0.01em; }
.bar { display: flex; height: 36px; border-radius: var(--r-bar); overflow: hidden; background: var(--tint); gap: 2px; }
.seg { flex: 0 0 var(--w); min-width: 0; }
.seg.ins { background: var(--accent); }
.seg.mid { background: var(--accent-soft); box-shadow: inset 0 0 0 1.5px var(--accent); }
.seg.you { background: var(--card); background-image: var(--hatch); box-shadow: inset 0 0 0 1.5px var(--ink); }
.bill-split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: var(--s-3); }
.side { display: grid; gap: 4px; min-width: 0; }
.side.you { text-align: right; justify-items: end; }
.side .k { display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-sm); color: var(--ink-soft); }
.side strong { font-size: clamp(1.125rem, 1rem + 0.8vw, 1.5rem); line-height: 1.15; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.side.ins strong { color: var(--accent); }
.bill .callout { margin: 0; }
.callout { display: flex; gap: var(--s-3); align-items: flex-start; max-width: var(--read); padding-top: var(--s-3); border-top: 1px solid var(--line); font-size: var(--fs-s); line-height: 1.45; color: var(--ink-soft); }
.callout strong { color: var(--ink); font-variant-numeric: tabular-nums; }
.callout svg.i { margin-top: 1px; color: var(--ink); }
.callout.mid svg.i { color: var(--accent); }
.verdict { padding: 2px 0 2px var(--s-5); border-left: 4px solid var(--ink); }
.variant { max-width: var(--read); }
.variant-head { display: flex; gap: var(--s-3); align-items: flex-start; }
.variant-head svg.i { color: var(--accent); margin-top: 3px; }
.variant blockquote { margin-bottom: var(--s-2); }

/* Tables scroll inside their own wrapper, never the page. */
.tbl { width: 100%; max-width: var(--wide); overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 0 0 var(--s-5); border-bottom: 1px solid var(--line); }
table { width: 100%; border-collapse: collapse; font-size: var(--fs-s); line-height: 1.45; }
caption { caption-side: top; text-align: left; padding: 0 0 var(--s-3); color: var(--muted); font-size: var(--fs-sm); }
th, td { text-align: left; vertical-align: top; padding: var(--s-3) var(--s-4) var(--s-3) 0; border-top: 1px solid var(--line); }
thead th { font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); white-space: nowrap; border-top: 0; border-bottom: 1px solid var(--ink-soft); }
tbody th { font-weight: 600; }
table.money td { font-variant-numeric: tabular-nums; white-space: nowrap; }
table.money tr.total th, table.money tr.total td { font-weight: 700; border-top: 2px solid var(--ink-soft); }
table.nums td:nth-child(3), table.nums td:nth-child(4) { white-space: nowrap; font-variant-numeric: tabular-nums; }
.prose table td { font-variant-numeric: tabular-nums; }

/* Source rows: a disclosure with hairlines; the verbatim policy text sits behind the document and page. */
details.src { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
details.src summary { display: flex; align-items: center; gap: 8px; min-height: 44px; padding: 6px 0; cursor: pointer; list-style: none; font-size: var(--fs-sm); font-weight: 600; color: var(--accent); -webkit-tap-highlight-color: transparent; }
details.src summary::-webkit-details-marker { display: none; }
details.src summary svg.i { width: 16px; height: 16px; }
details.src summary::after { content: "+"; margin-left: auto; font-size: 1.125rem; font-weight: 500; line-height: 1; color: var(--muted); }
details.src[open] summary::after { content: "\2212"; }
details.src blockquote { margin: var(--s-1) 0 var(--s-3); }
.src-meta { margin: 0 0 var(--s-3); font-size: var(--fs-sm); color: var(--muted); }
td .src-meta { margin: 0; }
table.terms td:nth-child(3) { min-width: 240px; }

@media (max-width: 719.98px) {
  table.stack caption { display: block; }
  th, td { padding: var(--s-2) var(--s-3) var(--s-2) 0; }
  table.stack thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  table.stack, table.stack tbody, table.stack tr, table.stack th, table.stack td { display: block; width: 100%; }
  table.stack tr { border-top: 1px solid var(--line); padding: var(--s-3) 0; }
  table.stack th, table.stack td { border: 0; padding: var(--s-1) 0; }
  table.stack tbody th { font-size: 1.0625rem; }
  table.stack td::before { content: attr(data-label); display: block; font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin: var(--s-2) 0 2px; }
  table.terms td:nth-child(3) { min-width: 0; }
  table.terms td::before { display: none; }
  table.terms td + td { padding-top: var(--s-2); }
  .cta { grid-template-columns: 64px minmax(0, 1fr); column-gap: var(--s-4); row-gap: var(--s-3); }
  .cta-art, .bust { width: 64px; height: 64px; }
  .cta-main { display: contents; }
  .cta h2 { align-self: center; margin: 0; }
  .cta-main > :not(h2) { grid-column: 1 / -1; }
}

/* Guides and trust pages */
.prose > section > p, .prose > p { max-width: var(--read); }
.prose ol:not([class]) { list-style: none; padding: 0; counter-reset: step; max-width: var(--read); }
.prose ol:not([class]) > li { position: relative; counter-increment: step; margin: 0; padding: 0 0 var(--s-4) 48px; min-height: 36px; }
.prose ol:not([class]) > li::before { content: counter(step); position: absolute; left: 0; top: -2px; width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: var(--accent); color: var(--on-accent); font-weight: 700; font-size: var(--fs-s); font-variant-numeric: tabular-nums; }
.prose ol:not([class]) > li:not(:last-child)::after { content: ""; position: absolute; left: 15px; top: 34px; bottom: 2px; width: 2px; background: var(--line); }
.prose > section > ul:not([class]) li::marker { color: var(--accent); }

.vh { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.formula { margin: var(--s-2) 0 var(--s-6); max-width: 720px; display: grid; gap: var(--s-5); }
.f-eq { display: grid; grid-template-columns: minmax(0, 1.3fr) auto minmax(0, 1fr); gap: var(--s-3); align-items: center; }
.f-eq.ex { grid-template-columns: auto minmax(0, 1fr) auto minmax(0, 1fr); padding-top: var(--s-5); border-top: 1px solid var(--line); }
.frac { display: grid; text-align: center; font-weight: 600; font-size: var(--fs-s); line-height: 1.3; }
.frac > span:not(.vh) { padding: 6px 4px; }
.frac > span:last-child { border-top: 2.5px solid var(--ink); }
.f-op { font-size: 1.5rem; font-weight: 700; line-height: 1; color: var(--accent); }
.f-out { color: var(--accent); font-weight: 700; font-size: var(--fs-s); line-height: 1.3; }
.ex .frac { font-size: 1.125rem; font-variant-numeric: tabular-nums; }
.ex .f-out { font-size: clamp(2rem, 1.6rem + 1.6vw, 2.75rem); letter-spacing: -0.03em; line-height: 1; }
.f-tag { font-size: var(--fs-xs); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); writing-mode: horizontal-tb; }

.heads-top { font-size: var(--fs-sm); font-weight: 600; color: var(--muted); }
.hrow { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px var(--s-3); align-items: baseline; }
.hname { font-size: var(--fs-s); font-weight: 600; }
.hval { font-size: var(--fs-sm); color: var(--ink-soft); font-variant-numeric: tabular-nums; }
.htrack { grid-column: 1; display: block; align-self: center; position: relative; width: var(--w); height: 14px; border-radius: var(--r-bar); background: var(--bg); background-image: var(--hatch); box-shadow: inset 0 0 0 1px var(--ink-soft); }
.hpaid { position: absolute; inset: 0 auto 0 0; width: var(--w); border-radius: var(--r-bar); background: var(--accent); }
.hrow .tag { grid-column: 2; grid-row: 2; justify-self: end; }
.htotal { display: grid; gap: var(--s-3); padding-top: var(--s-4); border-top: 1px solid var(--line); }
.heads figcaption { display: flex; gap: var(--s-3); align-items: flex-start; font-size: var(--fs-s); color: var(--ink-soft); line-height: 1.45; }
.heads figcaption svg.i { color: var(--ink); margin-top: 1px; }

.shields, .checks { list-style: none; padding: 0; margin: 0 0 var(--s-4); display: grid; grid-template-columns: minmax(0, 1fr); column-gap: var(--s-6); max-width: var(--wide); }
.shields li, .checks li { display: flex; gap: var(--s-3); align-items: flex-start; margin: 0; padding: var(--s-3) 0; border-top: 1px solid var(--line); font-size: var(--fs-s); line-height: 1.45; }
.shields svg.i, .checks svg.i { color: var(--accent); margin-top: 1px; }

.cards, .trio, .milestones, .journey, .clocks { list-style: none; padding: 0; margin: var(--s-2) 0 var(--s-5); display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-5) var(--s-6); max-width: var(--wide); }
.cards li, .milestones li { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 4px var(--s-3); margin: 0; font-size: var(--fs-s); line-height: 1.45; color: var(--ink-soft); }
.cards li > strong { color: var(--ink); font-size: 1.0625rem; align-self: start; }
.cards li > span:not(.ci) { grid-column: 2; }
.ci { display: block; color: var(--accent); grid-row: span 2; padding-top: 2px; }
.ci svg.i { width: 24px; height: 24px; }
.milestones { counter-reset: ms; }
.milestones li { grid-template-columns: minmax(0, 1fr); gap: 6px; }
.milestones strong { color: var(--ink); }
.stat .em { margin-right: 8px; }
.stat b { display: inline; font-size: clamp(1.875rem, 1.6rem + 1.2vw, 2.5rem); font-weight: 700; letter-spacing: -0.03em; line-height: 1; color: var(--ink); font-variant-numeric: tabular-nums; }
.stat > span { display: block; margin-top: 6px; color: var(--muted); font-size: 0.875rem; line-height: 1.35; }
.milestones .stat > span { display: inline; margin-left: 6px; }
.trio li { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 0 var(--s-3); align-items: center; margin: 0; }
.trio li > span:not(.ci) { grid-column: 2; font-size: var(--fs-s); color: var(--ink-soft); }
.trio li.you strong, .trio li.you > span:not(.ci) { color: var(--accent); }

.stats { margin: 0 0 var(--s-5); max-width: var(--wide); }
.stats ul { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-5) var(--s-4); }
.stats li { margin: 0; }
.stats figcaption { display: flex; align-items: center; gap: 6px; margin-top: var(--s-3); font-size: var(--fs-sm); color: var(--muted); }
.stats figcaption svg.i { width: 16px; height: 16px; }

.clocks li { display: flex; align-items: center; gap: var(--s-3); margin: 0; font-size: var(--fs-s); line-height: 1.35; color: var(--muted); }
.clocks strong { display: block; font-size: 1.125rem; color: var(--ink); }
.clock { width: 48px; height: 48px; flex: none; }
.clock .face { fill: var(--bg); stroke: var(--ink); stroke-width: 3; }
.clock .arc { fill: var(--accent); opacity: 0.9; }
.clock .hand { fill: none; stroke: var(--ink); stroke-width: 3; stroke-linecap: round; }

.journey { counter-reset: j; gap: 0; }
.journey li { counter-increment: j; position: relative; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: var(--s-3); margin: 0; padding: 0 0 var(--s-5); font-size: var(--fs-s); line-height: 1.45; color: var(--ink-soft); }
.journey li strong { display: block; color: var(--ink); font-size: 1.0625rem; margin-bottom: 2px; }
.journey .ci { grid-row: auto; width: 44px; height: 44px; border-radius: 50%; background: var(--accent); color: var(--on-accent); position: relative; z-index: 1; }
.journey li:not(:last-child)::before { content: ""; position: absolute; left: 21px; top: 44px; bottom: 0; width: 2px; background: var(--accent); opacity: 0.35; }
.journey li .ci::after { content: counter(j); position: absolute; top: -4px; right: -6px; width: 20px; height: 20px; border-radius: 50%; display: grid; place-items: center; background: var(--bg); color: var(--accent); border: 1.5px solid var(--accent); font-size: var(--fs-xs); font-weight: 700; }

.dates { list-style: none; padding: 0; margin: 0 0 var(--s-4); max-width: var(--read); }
.dates li { position: relative; margin: 0; padding: 0 0 var(--s-5) 28px; }
.dates li::before { content: ""; position: absolute; left: 4px; top: 6px; width: 12px; height: 12px; border-radius: 50%; background: var(--bg); box-shadow: inset 0 0 0 3px var(--accent); }
.dates li:last-child::before { background: var(--accent); }
.dates li:not(:last-child)::after { content: ""; position: absolute; left: 9px; top: 22px; bottom: 2px; width: 2px; background: var(--line); }
.dates .when { display: block; margin-bottom: var(--s-1); color: var(--accent); font-size: var(--fs-sm); font-weight: 700; font-variant-numeric: tabular-nums; }
.dates p { margin: 0; }
.pull { font-size: clamp(1.25rem, 1.1rem + 0.8vw, 1.625rem); line-height: 1.3; letter-spacing: -0.015em; color: var(--ink); padding: 2px 0 2px var(--s-5); border-left: 4px solid var(--accent); }
.pull strong { color: var(--accent); }
.entity { font-size: var(--fs-sm); color: var(--muted); }
.split { display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-5); }
.split-main { min-width: 0; }
.plate { min-width: 0; max-width: 420px; }

/* WhatsApp CTA: bust, heading, button, chips, straight on the page below a hairline */
.cta { position: relative; display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-4); margin-top: var(--s-7); padding-top: var(--s-6); border-top: 1px solid var(--line); max-width: var(--wide); }
.cta h2 { margin: 0 0 var(--s-2); }
.cta p { color: var(--ink-soft); }
.cta .cta-row { margin: var(--s-4) 0 0; }
.cta-art { width: 88px; }
.bust { display: block; width: 88px; height: 88px; color: var(--ink); }
.chips { margin: var(--s-5) 0 0; }
.chips .label { margin-bottom: var(--s-3); }
.chips ul { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: var(--s-2); }
.chips li { margin: 0; max-width: 100%; }
.chips a { display: inline-flex; align-items: center; gap: 8px; min-height: 40px; padding: 8px 16px; border-radius: 999px; border: 1.5px solid var(--accent); color: var(--accent); font-size: var(--fs-s); font-weight: 600; line-height: 1.3; text-decoration: none; transition: background-color 150ms ease, transform 120ms var(--ease-out); }
.chips a svg.i { width: 16px; height: 16px; }
.chips a:active { transform: scale(0.98); }
@media (hover: hover) and (pointer: fine) { .chips a:hover { background: var(--accent-soft); } }

/* FAQ and sources */
.faq > h2, .blk.faq > h2 { margin-bottom: var(--s-2); }
.qa-list { max-width: var(--read); }
.qa, .blk.faq h3 { border-top: 1px solid var(--line); }
.qa h3 { margin: 0; padding: var(--s-4) 0 var(--s-2); }
.qa p, .blk.faq p { color: var(--ink-soft); margin-bottom: var(--s-4); }
.blk.faq h3 { margin: 0; padding: var(--s-4) 0 var(--s-2); max-width: var(--read); }
.sources ol { list-style: none; padding: 0; counter-reset: s; max-width: var(--read); font-size: var(--fs-s); }
.sources li { counter-increment: s; position: relative; margin: 0; padding: var(--s-3) 0 var(--s-3) 32px; border-top: 1px solid var(--line); line-height: 1.45; }
.sources li::before { content: counter(s); position: absolute; left: 0; top: 13px; color: var(--muted); font-size: var(--fs-sm); font-weight: 700; font-variant-numeric: tabular-nums; }
.acc { display: block; margin-top: 2px; font-size: var(--fs-xs); color: var(--muted); }

footer { border-top: 1px solid var(--line); padding: var(--s-6) 0 var(--s-8); color: var(--muted); font-size: var(--fs-s); }
footer .wrap > * { max-width: var(--read); }
footer .brand { display: inline-flex; margin-bottom: var(--s-3); font-size: 1.125rem; }
footer p { margin-bottom: var(--s-2); }
.site-links { font-weight: 500; }
.contact a, .contact span { color: var(--ink); font-weight: 500; margin-right: var(--s-4); }
.pending-link { color: inherit; }

@media (max-width: 420px) {
  .btn { padding: 0 20px; }
  .cta-row .btn { width: 100%; white-space: normal; text-align: center; }
}
@media (max-width: 599.98px) {
  .f-eq:not(.ex) { grid-template-columns: auto minmax(0, 1fr); }
  .f-eq:not(.ex) .frac { grid-column: 1 / -1; }
}
@media (min-width: 600px) {
  .shields, .checks, .cards, .glance { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .glance > li:has(.wide) { grid-column: 1 / -1; }
  .f-row { grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr) auto minmax(0, 1.2fr); }
  .trio { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .trio li { grid-template-columns: minmax(0, 1fr); gap: var(--s-2); align-content: start; }
  .trio li > span:not(.ci) { grid-column: 1; }
  .clocks { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 768px) {
  :root { --gutter: 40px; }
  .band { padding: var(--s-6) 0 var(--s-7); }
  .body { padding-top: var(--s-7); }
  .body > section, .prose > section, .body > .caveat { margin-top: var(--s-8); }
  .tl-rows li { grid-template-columns: 220px minmax(0, 1fr) 150px; }
  .tl-name { grid-row: 1; }
  .tl-val { grid-column: 3; grid-row: 1; }
  .tl-track { grid-column: 2; grid-row: 1 / span 2; align-self: center; }
  .tl-state { grid-column: 3; grid-row: 2; }
  .tl-note { grid-column: 1; grid-row: 2; margin: 0; }
  .tl-axis { margin-left: calc(220px + var(--s-3)); margin-right: calc(150px + var(--s-3)); }
  .cta { grid-template-columns: 120px minmax(0, 1fr); gap: var(--s-6); align-items: start; }
  .cta-art, .bust { width: 120px; height: 120px; }

  .journey { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: var(--s-4); }
  .journey li { grid-template-columns: minmax(0, 1fr); padding: 0; }
  .journey li:not(:last-child)::before { left: 44px; right: calc(-1 * var(--s-4)); top: 21px; bottom: auto; width: auto; height: 2px; }
  .split { grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); align-items: start; gap: var(--s-6); }
}
@media (min-width: 960px) {
  .band-grid { grid-template-columns: minmax(0, 1fr) 340px; gap: var(--s-7); }
  .band-art { display: block; }
}
@media (prefers-reduced-motion: reduce) {
  .btn, .chips a { transition: background-color 150ms ease; }
  .btn:active, .chips a:active { transform: none; }
}

/* ---- Stage 2: conversion and the rest of the page families (DESIGN.md) ---- */

/* The three CTAs. Top: under the answer. Mid: at the page's decision point, between hairlines. End: #go. */
.cta-top .cta-row { margin-top: var(--s-5); }
.cta-top .cb-alt, .cta-mid .cb-alt, .cta .cb-alt { margin: var(--s-2) 0 0; }
.cta-top .trust { margin-top: var(--s-3); }
.cta-mid { margin: var(--s-7) 0; padding: var(--s-5) 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); max-width: var(--read); }
.cta-mid p { margin: 0; font-size: 1.125rem; font-weight: 600; line-height: 1.4; color: var(--ink); }
.cta-mid .cta-row { margin-top: var(--s-4); }
.meta .chip a { color: inherit; }

/* Terms: scannable rows; value, a status word with its dot, and the source behind a disclosure. */
.tv { display: block; font-weight: 600; color: var(--ink); }
.st { display: inline-flex; align-items: center; gap: 6px; margin-top: 4px; font-size: var(--fs-sm); font-weight: 600; color: var(--muted); }
.st .dot { width: 8px; height: 8px; border-radius: 50%; flex: none; }
.st.good { color: var(--accent); } .st.good .dot { background: var(--accent); }
.st.limit { color: var(--ink); } .st.limit .dot { background: var(--ink); }
.st.check .dot { box-shadow: inset 0 0 0 2px var(--muted); }
.src-cond { margin: var(--s-2) 0 var(--s-1); font-size: var(--fs-sm); color: var(--ink-soft); }
.tv { display: flex; gap: 8px; align-items: baseline; }
.tv .st { margin: 0; flex: none; transform: translateY(-1px); }
.tv + .st { margin-left: 16px; }
@media (min-width: 720px) {
  table.terms th[scope="row"] { width: 30%; }
  table.terms td:nth-child(2) { width: 34%; }
}

/* Hubs: rows with an emoji, two columns from 768px. */
.hub-grid { display: grid; grid-template-columns: minmax(0, 1fr); column-gap: var(--s-6); max-width: var(--wide); }
.hub-grid li { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 0 var(--s-3); align-items: start; }
.hub-grid .em { margin: 2px 0 0; }
.hub-t { display: grid; gap: 2px; }
.hub-t a { font-weight: 600; text-decoration: none; }
.hub-t a:hover { text-decoration: underline; }
.hub-t .muted { font-size: var(--fs-s); }

/* Bill composition (cost pages, IRDAI list counts): one accent in steps, then a legend with each figure. */
.heads-bar .seg.h0, .sw.h0 { background: var(--accent); }
.heads-bar .seg.h1, .sw.h1 { background: color-mix(in srgb, var(--accent) 78%, var(--bg)); }
.heads-bar .seg.h2, .sw.h2 { background: color-mix(in srgb, var(--accent) 60%, var(--bg)); }
.heads-bar .seg.h3, .sw.h3 { background: color-mix(in srgb, var(--accent) 44%, var(--bg)); }
.heads-bar .seg.h4, .sw.h4 { background: color-mix(in srgb, var(--accent) 30%, var(--bg)); }
.heads-bar .seg.h5, .sw.h5 { background: color-mix(in srgb, var(--accent) 18%, var(--bg)); }
.heads-bar .seg.h6, .sw.h6 { background: var(--tint); box-shadow: inset 0 0 0 1px var(--line); }
.seg.np, .sw.np { background: var(--tint); box-shadow: inset 0 0 0 1px var(--ink-soft); }
.legend { display: grid; gap: 0; }
.legend .key { display: grid; grid-template-columns: auto minmax(0, 1fr) auto auto; gap: var(--s-3); align-items: center; padding: 6px 0; border-top: 1px solid var(--line); font-size: var(--fs-s); color: var(--ink-soft); text-decoration: none; }
.legend .key strong { color: var(--ink); font-variant-numeric: tabular-nums; }
.legend .pc { min-width: 3ch; text-align: right; color: var(--muted); font-variant-numeric: tabular-nums; }

/* Guide shapes */
.tclock { display: inline-flex; align-items: center; gap: 4px; margin-left: 6px; vertical-align: middle; font-size: var(--fs-sm); font-weight: 700; color: var(--accent); }
.tclock .clock { width: 22px; height: 22px; }
.path, .flow, .lanes, .limits, .groups, .toc ul { list-style: none; padding: 0; margin: var(--s-4) 0 var(--s-5); max-width: var(--wide); }
.path { display: grid; grid-template-columns: minmax(0, 1fr); gap: 0; counter-reset: p; }
.path li { margin: 0; border-top: 1px solid var(--line); }
.path a { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 0 var(--s-3); padding: var(--s-3) 0; color: var(--ink); text-decoration: none; }
.path .em { grid-row: span 2; margin: 0; }
.path .pn { font-size: var(--fs-xs); font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent); }
.flow { display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-4); }
.flow li { position: relative; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 0 var(--s-3); margin: 0; font-size: var(--fs-s); color: var(--ink-soft); }
.flow li .em { grid-row: span 2; margin: 0; }
.flow li strong { color: var(--ink); font-size: 1.0625rem; }
.flow li.you strong { color: var(--accent); }
.lanes { display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-4); }
.lanes li { margin: 0; display: grid; gap: 4px; font-size: var(--fs-s); color: var(--ink-soft); padding-top: var(--s-3); border-top: 1px solid var(--line); }
.lanes a { display: inline-flex; align-items: baseline; color: var(--ink); text-decoration: none; font-size: 1.0625rem; }
.lanes .em { margin-right: 8px; }
.limits { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-5) var(--s-4); }
.limits li { margin: 0; display: grid; gap: 4px; }
.limits strong { font-size: var(--fs-fig); font-weight: 700; letter-spacing: -0.02em; line-height: 1.1; color: var(--accent); font-variant-numeric: tabular-nums; }
.limits span { font-size: var(--fs-sm); color: var(--muted); line-height: 1.35; }
.pair { display: grid; grid-template-columns: minmax(0, 1fr); gap: var(--s-5); margin: var(--s-5) 0; max-width: var(--wide); }
.pi { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 2px var(--s-3); padding-top: var(--s-4); border-top: 2px solid var(--accent); }
.pi .em { grid-row: span 2; margin: 0; }
.pi strong { font-size: 1.125rem; }
.pi span:not(.em) { font-size: var(--fs-s); color: var(--ink-soft); }
.groups li { margin: 0; padding: var(--s-3) 0; border-top: 1px solid var(--line); }
.groups li > strong { display: block; margin-bottom: var(--s-2); }
.tags { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.tags li { margin: 0; padding: 3px 10px; border: 1px solid var(--line); border-radius: 999px; font-size: var(--fs-sm); color: var(--ink-soft); }
.groups .tags li { border-top: 1px solid var(--line); padding: 3px 10px; }
.shields.xs svg.i { color: var(--ink); }
.before-now .tl-rows li { grid-template-columns: minmax(0, 1fr); gap: 6px; }
.tl-pair { display: grid; gap: 4px; }
.tl-was, .tl-now { display: block; height: 12px; width: var(--w); border-radius: var(--r-bar); }
.tl-was { background: var(--bg); background-image: var(--hatch); box-shadow: inset 0 0 0 1px var(--ink-soft); }
.tl-now { background: var(--accent); }
.sw.was { background: var(--bg); background-image: var(--hatch); box-shadow: inset 0 0 0 1px var(--ink-soft); vertical-align: -1px; }
.before-now figcaption .sw { margin: 0 4px 0 10px; }
.sources3 { margin: var(--s-4) 0 var(--s-6); max-width: var(--wide); }
.sources3 figcaption { display: flex; gap: var(--s-3); align-items: center; padding-top: var(--s-3); border-top: 1px solid var(--line); color: var(--ink-soft); }
.sources3 figcaption svg.i { color: var(--accent); }
.toc ul { display: grid; grid-template-columns: minmax(0, 1fr); column-gap: var(--s-6); }
.toc li { margin: 0; border-top: 1px solid var(--line); }
.toc a { display: flex; align-items: center; padding: 10px 0; color: var(--ink); text-decoration: none; font-weight: 600; }
.toc .em { font-size: 1.25rem; }

@media (min-width: 600px) {
  .hub-grid, .toc ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .pair { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-6); }
  .limits { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .lanes { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s-5); }
  .path { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: var(--s-5); }
}
@media (min-width: 768px) {
  .flow { grid-template-columns: repeat(auto-fit, minmax(0, 1fr)); gap: var(--s-5); }
  .flow li { grid-template-columns: minmax(0, 1fr); gap: var(--s-2); }
  .flow li .em { grid-row: auto; font-size: 1.75rem; }
  .flow li:not(:last-child)::after { content: ""; position: absolute; top: 14px; left: 44px; right: calc(-1 * var(--s-5) + 8px); height: 2px; background: var(--line); }
  .cta-mid { display: grid; grid-template-columns: minmax(0, 1fr) auto; column-gap: var(--s-6); align-items: center; max-width: var(--wide); }
  .cta-mid .cta-row { margin: 0; grid-row: 1 / span 2; grid-column: 2; }
  .cta-mid .cb-alt { grid-column: 1; }
}


table.terms details.src { border-bottom: 0; }
.journey li, .flow li, .lanes li, .limits li, .pi { align-content: start; }