/* Aeternix website.
   Layout: a dark opening that shows the work (two desks, side by side), then calm white pages
   with one confident light-blue band. Black, white and light blue; Palatino throughout.
   The look is deliberately single-theme. */

@font-face {
  font-family: 'Aeternix Serif';
  src: url('fonts/aeternix-serif-regular.woff2') format('woff2');
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Aeternix Serif';
  src: url('fonts/aeternix-serif-italic.woff2') format('woff2');
  font-weight: 400;
  font-style: italic;
  font-display: swap;
}
@font-face {
  font-family: 'Aeternix Serif';
  src: url('fonts/aeternix-serif-bold.woff2') format('woff2');
  font-weight: 700;
  font-style: normal;
  font-display: swap;
}

:root {
  /* Ink and paper */
  --ink: #0A0B0D;
  --ink-2: #2A2E33;
  --muted: #5C636B;
  --paper: #FFFFFF;
  --rule: #D7DEE5;
  --rule-soft: #ECF0F4;
  /* Light blue */
  --sky: #9CC6E6;
  --sky-band: #B9D9F0;
  --sky-pale: #DCEBF7;
  --sky-wash: #EEF5FB;
  --sky-ink: #2D6A99;
  /* Night */
  --night: #0A0B0D;
  --night-2: #121519;
  --night-line: #262C33;
  --night-text: #F2F5F8;
  --night-soft: #B8C2CC;
  --night-dim: #9AA6B2;
  /* Type */
  --serif: 'Palatino Linotype', Palatino, 'Book Antiqua', 'Aeternix Serif', 'URW Palladio L', serif;
  --gutter: clamp(16px, 4vw, 48px);
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--serif);
  font-size: 19px;
  line-height: 1.6;
  text-wrap: pretty;
  font-variant-numeric: lining-nums;
  -webkit-text-size-adjust: 100%;
}
h1, h2, h3, p, ol, ul, dl, dd { margin: 0; }
ol, ul { padding: 0; list-style: none; }
h1, h2, h3 { font-weight: 400; text-wrap: balance; }
a { color: inherit; }
img { max-width: 100%; }
button { font-family: inherit; }
strong { font-weight: 700; }
.nw { white-space: nowrap; }
:focus-visible { outline: 2px solid var(--sky-ink); outline-offset: 3px; }

.wrap {
  max-width: 1280px;
  margin: 0 auto;
  padding-left: max(var(--gutter), env(safe-area-inset-left, 0px));
  padding-right: max(var(--gutter), env(safe-area-inset-right, 0px));
}
.sec { padding-block: clamp(72px, 9vw, 128px); }
.sec-pad { padding-block: clamp(72px, 9vw, 120px); }
.sec-rule .wrap > .h2 { padding-top: 0; }
.band-sky { background: var(--sky-band); }
.band-wash { background: var(--sky-wash); }

.h2 { font-size: clamp(32px, 4.2vw, 56px); line-height: 1.08; letter-spacing: -0.014em; max-width: 880px; }
.h2-wide { max-width: 1040px; }
.lede { font-size: clamp(19px, 1.6vw, 21px); line-height: 1.6; color: var(--ink-2); max-width: 680px; }
.fine { font-size: 14px; line-height: 1.55; color: var(--muted); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 16px 26px;
  font-size: 17px;
  line-height: 1.3;
  text-decoration: none;
  border: 0;
  border-radius: 2px;
  cursor: pointer;
  transition: background-color 0.2s ease;
}
.btn-sky { background: var(--sky); color: var(--ink); }
.btn-sky:hover { background: #B6D7EF; }
.btn-ink { background: var(--ink); color: var(--paper); }
.btn-ink:hover { background: #24282D; }
.link { font-size: 17px; text-decoration: none; padding: 12px 0 2px; border-bottom: 1px solid currentColor; }
.link-night { color: var(--night-soft); border-bottom-color: var(--night-line); }
.link-night:hover { color: var(--night-text); border-bottom-color: var(--sky); }

/* ---------- Night: header, hero, footer ---------- */
.night { background: var(--night); color: var(--night-text); }
.night :focus-visible { outline-color: var(--sky); }

.top-row {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 8px 32px;
  padding-block: 22px;
}
.logo { display: inline-flex; padding: 12px 0; }
.logo img { display: block; height: 15px; width: auto; }
.nav { display: flex; flex-direction: row; align-items: center; gap: 28px; }
.nav a { font-size: 16px; color: var(--night-soft); text-decoration: none; padding: 10px 0 6px; border-bottom: 1px solid transparent; white-space: nowrap; }
.nav a:hover { color: var(--night-text); border-bottom-color: var(--sky); }
.nav .nav-cta { color: var(--ink); background: var(--sky); padding: 9px 16px; border-radius: 2px; border: 0; }
.nav .nav-cta:hover { color: var(--ink); background: #B6D7EF; }
@media (max-width: 960px) {
  .top-row { flex-direction: column; align-items: flex-start; gap: 4px; padding-block: 12px 0; }
  .logo img { height: 13px; }
  .nav { width: 100%; justify-content: space-between; gap: 0 12px; flex-wrap: wrap; border-top: 1px solid var(--night-line); }
  .nav a { font-size: 15px; }
  .nav .nav-cta { display: none; }
}

.hero { padding-block: clamp(48px, 7vw, 96px) clamp(56px, 7vw, 96px); }
.eyebrow { font-size: 13px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--sky); }
.hero-title {
  margin-top: 22px;
  font-size: clamp(42px, 7.4vw, 108px);
  line-height: 1.0;
  letter-spacing: -0.024em;
}
.hero-title span { display: block; }
.hero-title .sky { color: var(--sky); }
.hero-row {
  margin-top: clamp(28px, 4vw, 48px);
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  align-items: flex-end;
  justify-content: space-between;
  gap: 24px 48px;
}
.hero-sub { flex: 1 1 420px; max-width: 600px; font-size: clamp(19px, 1.7vw, 22px); line-height: 1.55; color: var(--night-soft); min-width: 0; }
.hero-actions { display: flex; flex-direction: row; flex-wrap: wrap; align-items: center; gap: 14px 28px; }

/* ---------- Two desks ---------- */
.sim {
  --sim-ink: #F2F5F8;
  --sim-ink2: #C9D2DA;
  --sim-muted: #9AA6B2;
  --sim-blue: #9CC6E6;
  --sim-line: #34404B;
  --sim-field: #121519;
  --sim-blue-text: #9CC6E6;
  margin-top: clamp(56px, 7vw, 88px);
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.sim-top { display: flex; flex-direction: row; flex-wrap: wrap; gap: 14px 32px; align-items: flex-end; justify-content: space-between; }
.sim-intro { display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.sim-title { font-size: 20px; line-height: 1.35; }
.legend { display: flex; flex-direction: row; flex-wrap: wrap; gap: 6px 24px; font-size: 14.5px; color: var(--night-soft); }
.legend li { display: inline-flex; align-items: center; gap: 8px; }
.lg { display: inline-block; flex: 0 0 auto; }
.lg-chip { width: 24px; height: 10px; border-radius: 5px; background: var(--night-text); }
.lg-cut { width: 10px; height: 7px; border-radius: 2px; background: var(--night-text); transform: rotate(-12deg); }
.lg-share { width: 12px; height: 8px; border-radius: 2px; background: var(--sky); border: 1px solid var(--night-text); }
.lg-gate { width: 12px; height: 12px; border: 2px solid var(--sky); }
.sim-controls { display: inline-flex; border: 1px solid var(--night-line); border-radius: 2px; }
.ctl {
  font-size: 15px;
  min-height: 44px;
  min-width: 88px;
  padding: 8px 16px;
  background: transparent;
  color: var(--night-text);
  border: 0;
  cursor: pointer;
}
.ctl + .ctl { border-left: 1px solid var(--night-line); }
.ctl:hover { background: var(--night-2); color: var(--sky); }

.lanes { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.lane {
  background: var(--night-2);
  border: 1px solid var(--night-line);
  border-radius: 3px;
  padding: 18px 20px 20px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  min-width: 0;
}
.lane-today { border-style: dashed; border-color: #3A4450; }
.lane-with { border-color: var(--sky); }
.lane-head { display: flex; flex-direction: row; flex-wrap: wrap; gap: 4px 16px; align-items: baseline; justify-content: space-between; }
.lane-title { font-size: 24px; line-height: 1.25; }
.lane-with .lane-title { color: var(--sky); }
.lane-status { font-size: 15px; font-style: italic; color: var(--night-dim); }
.lane-canvas { display: block; width: 100%; height: 182px; }
.lane-caption { font-size: 15px; line-height: 1.5; color: var(--night-soft); }
.counters { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.counter { display: flex; flex-direction: column-reverse; justify-content: flex-end; gap: 2px; border-top: 1px solid var(--night-line); padding-top: 10px; min-width: 0; }
.counter dd { font-size: 30px; line-height: 1.1; font-variant-numeric: lining-nums tabular-nums; }
.lane-with .counter dd { color: var(--sky); }
.counter dt { font-size: 13px; line-height: 1.35; color: var(--night-dim); }
.sim-note { font-size: 14px; font-style: italic; color: var(--night-dim); }
@media (max-width: 1000px) { .lanes { grid-template-columns: minmax(0, 1fr); } }
@media (max-width: 520px) {
  .lane { padding: 14px 12px 16px; }
  .counter dd { font-size: 25px; }
  .counter dt { font-size: 12px; }
}

/* ---------- National figures ---------- */
.gap { padding-block: clamp(64px, 8vw, 104px); }
.gap-lede { font-size: clamp(26px, 3.4vw, 44px); line-height: 1.22; letter-spacing: -0.01em; max-width: 1040px; }
.gapbar { margin-top: clamp(32px, 4vw, 48px); display: flex; height: 52px; border: 1.5px solid var(--ink); background: var(--sky-pale); overflow: hidden; }
.seg {
  flex: 0 0 calc(var(--w) * 1%);
  transform-origin: left center;
  animation: grow 1s cubic-bezier(.25, .8, .25, 1) both;
  animation-delay: calc(var(--i) * 160ms + 200ms);
}
.seg + .seg { border-left: 1.5px solid var(--ink); }
@keyframes grow { from { transform: scaleX(0); } }
.seg-paid, .sw-paid { background: var(--ink); }
.seg-dis, .sw-dis { background: var(--paper); }
.seg-rep, .sw-rep { background: repeating-linear-gradient(135deg, var(--ink) 0 1.5px, var(--paper) 1.5px 6px); }
.seg-out, .sw-out { background: var(--sky-pale); }
.gap-key { margin-top: 18px; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px 24px; }
.gap-key div { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.gap-key dt { display: flex; align-items: center; gap: 8px; font-size: 15px; color: var(--ink-2); }
.gap-key dd { font-size: 22px; line-height: 1.3; font-variant-numeric: lining-nums tabular-nums; }
.sw { display: inline-block; width: 18px; height: 11px; border: 1px solid var(--ink); flex: 0 0 auto; }
.gap-note { margin-top: 24px; max-width: 780px; font-size: 14.5px; line-height: 1.55; color: var(--ink-2); }
@media (max-width: 760px) { .gap-key { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* ---------- The four points ---------- */
.matrix {
  margin-top: clamp(40px, 5vw, 64px);
  display: grid;
  grid-template-columns: 150px repeat(4, minmax(0, 1fr));
  column-gap: 10px;
}
.rl { grid-column: 1; font-size: 13px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-2); padding-top: 18px; }
.rl-leak { grid-row: 2; }
.rl-fix { grid-row: 3; padding-top: 22px; }
.rl-by { grid-row: 4; padding-top: 20px; }
.stage { display: contents; }
.s-head, .s-leak, .s-fix { grid-column: var(--c); min-width: 0; }
.s-head { grid-row: 1; position: relative; padding: 18px 16px 22px 0; border-top: 2px solid var(--ink); }
.s-head::after {
  content: "";
  position: absolute;
  right: -6px;
  top: -6px;
  width: 0;
  height: 0;
  border-top: 5px solid transparent;
  border-bottom: 5px solid transparent;
  border-left: 7px solid var(--ink);
}
.stage:last-of-type .s-head::after { display: none; }
.s-num { display: block; font-size: 40px; line-height: 1; color: var(--sky-ink); }
.s-head h3 { margin-top: 12px; font-size: 24px; line-height: 1.2; }
.s-clock { margin-top: 6px; font-size: 15px; line-height: 1.45; color: var(--muted); }
.s-leak { grid-row: 2; padding: 16px 16px 20px 0; border-top: 1px solid var(--rule); font-size: 17px; line-height: 1.5; color: var(--ink-2); }
.s-fix { grid-row: 3; margin-top: 6px; padding: 16px 18px 20px; background: var(--sky-wash); border-top: 2px solid var(--sky); font-size: 17px; line-height: 1.5; }
.byp { grid-column: 2 / -1; grid-row: 4; margin-top: 10px; padding: 14px 18px; background: var(--sky-pale); font-size: 17px; line-height: 1.5; }
.cell-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.across { margin-top: 36px; max-width: 820px; font-size: clamp(20px, 2vw, 24px); line-height: 1.45; }
.ways { margin-top: clamp(48px, 6vw, 72px); display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px 32px; }
.ways div { display: flex; flex-direction: column; gap: 6px; border-top: 1px solid var(--ink); padding-top: 14px; min-width: 0; }
.ways dt { font-size: 18px; font-weight: 700; line-height: 1.35; }
.ways dd { font-size: 16px; line-height: 1.5; color: var(--ink-2); }

@media (max-width: 960px) {
  .matrix { display: flex; flex-direction: column; gap: 28px; }
  .rl { display: none; }
  .stage { display: flex; flex-direction: column; }
  .s-head { padding: 16px 0 14px; }
  .s-head::after { display: none; }
  .s-head h3 { margin-top: 8px; }
  .s-leak { padding: 14px 0 16px; }
  .s-fix { margin-top: 0; }
  .byp { margin-top: 0; }
  .cell-label {
    position: static;
    width: auto;
    height: auto;
    overflow: visible;
    clip: auto;
    white-space: normal;
    display: block;
    margin-bottom: 4px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--ink-2);
  }
  .ways { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 520px) { .ways { grid-template-columns: minmax(0, 1fr); } }

/* ---------- One bill ---------- */
.bill-intro { display: flex; flex-direction: column; gap: 20px; }
.mark-policy { text-decoration: underline; text-decoration-color: var(--sky); text-decoration-thickness: 4px; text-underline-offset: 4px; }
.mark-hosp { text-decoration: underline; text-decoration-color: var(--ink); text-decoration-thickness: 2px; text-underline-offset: 4px; }

.reading { margin-top: 36px; display: inline-flex; flex-wrap: wrap; border: 1px solid var(--ink); border-radius: 2px; background: var(--paper); }
.read-btn {
  font-size: 16px;
  min-height: 48px;
  padding: 10px 20px;
  background: var(--paper);
  color: var(--ink);
  border: 0;
  cursor: pointer;
}
.read-btn + .read-btn { border-left: 1px solid var(--ink); }
.read-btn[aria-pressed="true"] { background: var(--ink); color: var(--paper); }
.read-btn.nudge { animation: nudge 1.6s ease-in-out 2; }
@keyframes nudge { 50% { background: var(--sky-pale); } }
@media (max-width: 520px) {
  .reading { display: grid; grid-template-columns: minmax(0, 1fr); width: 100%; }
  .read-btn { text-align: left; }
  .read-btn + .read-btn { border-left: 0; border-top: 1px solid var(--ink); }
}

.bill-wrap { margin-top: 24px; display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 40px; align-items: start; }
.bill {
  position: relative;
  display: grid;
  grid-template-columns: minmax(180px, 1fr) 130px 112px 250px;
  grid-template-rows: repeat(10, auto);
  min-width: 0;
}
.paper {
  grid-column: 1 / 4;
  grid-row: 1 / 11;
  background: var(--paper);
  border-radius: 2px;
  box-shadow: 0 1px 0 rgba(10, 11, 13, 0.06), 0 22px 40px -26px rgba(30, 60, 90, 0.4);
}
.bill > *:not(.paper) { position: relative; z-index: 1; }
.bill-top { grid-column: 1 / 4; grid-row: 1; padding: 22px 24px 14px; border-bottom: 2px solid var(--ink); }
.bt-title { font-size: 22px; line-height: 1.3; }
.bt-title span { margin-left: 10px; font-size: 14px; font-style: italic; color: var(--muted); }
.bt-meta { margin-top: 8px; display: flex; flex-direction: column; gap: 2px; }
.bt-meta div { display: grid; grid-template-columns: 88px minmax(0, 1fr); gap: 12px; font-size: 14.5px; line-height: 1.45; }
.bt-meta dt { color: var(--muted); }

.bh { display: contents; }
.bh > span { grid-row: 2; padding: 10px 0 6px; font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); border-bottom: 1px solid var(--rule); }
.ln { display: contents; --d: calc(var(--i, 0) * 140ms); }
.ln > .c-desc, .bh > .c-desc { grid-column: 1; }
.ln > .c-qty, .bh > .c-qty { grid-column: 2; }
.ln > .c-amt, .bh > .c-amt { grid-column: 3; }
.c-desc { padding-left: 28px !important; position: relative; min-width: 0; }
.c-amt { padding-right: 24px !important; text-align: right; }
.ln > span { grid-row: var(--r); padding-block: 13px 26px; border-bottom: 1px solid var(--rule-soft); font-size: 16.5px; line-height: 1.35; }
.c-qty { font-size: 14px !important; color: var(--muted); font-variant-numeric: lining-nums tabular-nums; }
.ln .c-amt { position: relative; font-variant-numeric: lining-nums tabular-nums; }
.amt { position: relative; display: inline-block; outline: 1.5px dashed transparent; outline-offset: 3px; transition: outline-color 0.3s ease var(--d); }
.amt::after {
  content: "";
  position: absolute;
  left: -3px;
  right: -3px;
  top: 52%;
  height: 2px;
  background: var(--ink);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.45s cubic-bezier(.3, .7, .2, 1) var(--d);
}
.adj {
  position: absolute;
  right: 24px;
  bottom: 7px;
  font-size: 13.5px;
  line-height: 1.2;
  white-space: nowrap;
  opacity: 0;
  transform: translateY(-3px);
  transition: opacity 0.35s ease calc(var(--d) + 250ms), transform 0.35s ease calc(var(--d) + 250ms);
}
.c-desc::before {
  content: "";
  position: absolute;
  left: 9px;
  top: 15px;
  width: 9px;
  height: 5px;
  border-left: 2px solid var(--ink);
  border-bottom: 2px solid var(--ink);
  transform: rotate(-45deg) scale(0);
  transition: transform 0.3s ease var(--d);
}
.c-desc::after {
  content: "";
  position: absolute;
  left: 10px;
  top: 11px;
  bottom: 16px;
  width: 3px;
  background: transparent;
  transform: scaleY(0);
  transform-origin: top;
  transition: transform 0.35s ease var(--d);
}
.bh .c-desc::before, .bh .c-desc::after, .bill-total .c-desc::before, .bill-total .c-desc::after { display: none; }

[data-mode="insurer"] .ln[data-insurer="policy"] .amt::after { transform: scaleX(1); background: var(--sky); height: 4px; }
[data-mode="insurer"] .ln[data-insurer="hosp"] .amt::after { transform: scaleX(1); }
[data-mode="insurer"] .ln[data-insurer="held"] .amt { outline-color: var(--ink); }
[data-mode="insurer"] .adj-insurer { opacity: 1; transform: none; }
[data-mode="insurer"] .ln[data-insurer="policy"] .adj-insurer { color: var(--sky-ink); }
[data-mode="insurer"] .ln[data-insurer="held"] .adj-insurer { font-style: italic; }
[data-mode="insurer"] .ln[data-insurer="policy"] .c-desc::after { transform: scaleY(1); background: var(--sky); }
[data-mode="insurer"] .ln[data-insurer="hosp"] .c-desc::after,
[data-mode="insurer"] .ln[data-insurer="held"] .c-desc::after { transform: scaleY(1); background: var(--ink); }

[data-mode="ours"] .ln[data-ours="policy"] .amt::after { transform: scaleX(1); background: var(--sky); height: 4px; }
[data-mode="ours"] .ln[data-ours="rebilled"] .amt::after { transform: scaleX(1); background: var(--muted); height: 1px; }
[data-mode="ours"] .adj-ours { opacity: 1; transform: none; }
[data-mode="ours"] .ln[data-ours="policy"] .adj-ours { color: var(--sky-ink); }
[data-mode="ours"] .ln[data-ours="policy"] .c-desc::after { transform: scaleY(1); background: var(--sky); }
[data-mode="ours"] .ln[data-ours="fixed"] .c-desc::before,
[data-mode="ours"] .ln[data-ours="rebilled"] .c-desc::before { transform: rotate(-45deg) scale(1); }

.nt {
  --d: calc(var(--i, 0) * 140ms + 220ms);
  position: relative;
  grid-column: 4;
  grid-row: var(--r) / span var(--s, 1);
  display: grid;
  align-self: start;
  padding: 12px 0 10px 22px;
  font-size: 14.5px;
  line-height: 1.42;
}
.nt::before {
  content: "";
  position: absolute;
  left: 0;
  top: 23px;
  width: 14px;
  border-top: 1px solid var(--rule);
  opacity: 0;
  transition: opacity 0.3s ease var(--d);
}
.nt > span {
  grid-area: 1 / 1;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-6px);
  transition: opacity 0.4s ease, transform 0.4s ease, visibility 0s linear 0.4s;
}
[data-mode="insurer"] .nt-insurer,
[data-mode="ours"] .nt-ours {
  opacity: 1;
  visibility: visible;
  transform: none;
  transition-delay: var(--d), var(--d), 0s;
}
[data-mode="insurer"] .nt::before, [data-mode="ours"] .nt::before { opacity: 1; }
.nt-policy { color: var(--sky-ink); }
.nt-hosp, .nt-held, .nt-fix { color: var(--ink); }
.nt-span { align-self: stretch; padding-left: 26px; }
.nt-span::before { display: none; }
.nt-span::after {
  content: "";
  position: absolute;
  left: 6px;
  top: 12px;
  bottom: 12px;
  width: 8px;
  border: 1.5px solid var(--sky);
  border-right: 0;
  opacity: 0;
  transition: opacity 0.3s ease var(--d);
}
[data-mode="insurer"] .nt-span::after, [data-mode="ours"] .nt-span::after { opacity: 1; }

.bill-total { display: contents; }
.bill-total > span { grid-row: 10; padding-block: 14px 18px; border-top: 2px solid var(--ink); font-size: 17px; }
.bill-total .c-desc { grid-column: 1 / 3; }
.bill-total .c-amt { grid-column: 3; }
.amt-total { font-size: 22px; font-variant-numeric: lining-nums tabular-nums; }

.advice {
  position: sticky;
  top: 24px;
  background: var(--paper);
  border: 1px solid var(--ink);
  border-radius: 2px;
  padding: 20px 22px 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  min-width: 0;
}
.adv-title { font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; border-bottom: 2px solid var(--ink); padding-bottom: 10px; }
.adv { display: flex; flex-direction: column; }
.adv-row { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 12px; align-items: baseline; padding: 9px 0; border-bottom: 1px solid var(--rule-soft); }
.adv-row dt { font-size: 15px; line-height: 1.35; }
.adv-row dt em { display: block; font-size: 13.5px; color: var(--sky-ink); }
.adv-row dd { font-size: 19px; font-variant-numeric: lining-nums tabular-nums; text-align: right; }
.adv-share dd { color: var(--sky-ink); }
.adv-total { border-bottom: 0; border-top: 1px solid var(--ink); margin-top: 6px; padding-top: 12px; }
.adv-total dt { font-weight: 700; }
.adv-total dd { font-size: 27px; }
.stamp {
  align-self: flex-start;
  margin-top: 4px;
  padding: 6px 12px;
  border: 2px solid currentColor;
  outline: 1px solid currentColor;
  outline-offset: 2px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  line-height: 1.3;
  color: var(--rule);
  transform: rotate(-5deg);
}
.stamp-insurer { color: var(--ink); }
.stamp-ours { color: var(--sky-ink); }
.stamp.thump { animation: thump 0.45s cubic-bezier(.2, .9, .3, 1.2) both; }
@keyframes thump { from { transform: rotate(-5deg) scale(1.7); opacity: 0; } }
.adv-hint { font-size: 14px; line-height: 1.45; color: var(--muted); }

.bill-key { margin-top: 28px; display: flex; flex-direction: row; flex-wrap: wrap; gap: 8px 28px; font-size: 15px; color: var(--ink-2); }
.bill-key li { display: inline-flex; align-items: center; gap: 10px; }
.k { display: inline-block; flex: 0 0 auto; position: relative; }
.k-policy, .k-hosp { width: 24px; height: 12px; }
.k-policy::after, .k-hosp::after { content: ""; position: absolute; left: 0; right: 0; top: 4px; height: 4px; background: var(--sky); }
.k-hosp::after { top: 5px; height: 2px; background: var(--ink); }
.k-held { width: 22px; height: 13px; border: 1.5px dashed var(--ink); }
.k-fix { width: 11px; height: 6px; border-left: 2px solid var(--ink); border-bottom: 2px solid var(--ink); transform: rotate(-45deg); margin: 0 4px 4px; }
.bill-key + .fine { margin-top: 8px; }

@media (max-width: 1180px) {
  .bill-wrap { grid-template-columns: minmax(0, 1fr); }
  .advice { position: static; max-width: 460px; }
}
@media (max-width: 880px) {
  .bill { display: block; background: var(--paper); border-radius: 2px; box-shadow: 0 1px 0 rgba(10, 11, 13, 0.06), 0 22px 40px -26px rgba(30, 60, 90, 0.4); }
  .paper { display: none; }
  .bill-top { padding: 18px 16px 12px; }
  .bt-meta div { grid-template-columns: 78px minmax(0, 1fr); font-size: 14px; }
  .bh { display: grid; grid-template-columns: minmax(0, 1fr) auto; }
  .bh .c-qty { display: none; }
  .bh > span { grid-row: 1; }
  .bh > .c-amt { grid-column: 2; }
  .ln { display: grid; grid-template-columns: minmax(0, 1fr) auto; column-gap: 12px; border-bottom: 1px solid var(--rule-soft); }
  .ln > span { border-bottom: 0; }
  .ln .c-desc { grid-column: 1; grid-row: 1; padding-block: 12px 0; }
  .ln .c-qty { grid-column: 1; grid-row: 2; padding-block: 0 12px; padding-left: 28px; }
  .ln .c-amt { grid-column: 2; grid-row: 1 / span 2; padding-block: 12px 24px; }
  .c-amt { padding-right: 16px !important; }
  .adj { right: 16px; }
  .nt { padding: 0 16px 14px 28px; }
  .nt::before { display: none; }
  .nt-span { padding-left: 30px; }
  .nt-span::after { left: 12px; top: 2px; bottom: 14px; }
  .bill[data-mode="plain"] .nt { display: none; }
  .bill-total { display: flex; justify-content: space-between; align-items: baseline; border-top: 2px solid var(--ink); }
  .bill-total > span { border-top: 0; }
}

/* ---------- NHCX and FAQ: two columns ---------- */
.two { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 32px 64px; align-items: start; }
.two-main { display: flex; flex-direction: column; gap: 18px; min-width: 0; }
.ms { margin-top: 18px; padding: 22px 24px; background: var(--sky-wash); border-left: 0; border-top: 2px solid var(--sky); }
.ms-title { font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-2); }
.ms-list { margin-top: 14px; display: flex; flex-direction: column; gap: 0; }
.ms-list li { position: relative; padding: 0 0 16px 32px; font-size: 17px; line-height: 1.4; }
.ms-list li:last-child { padding-bottom: 0; }
.ms-list li::before { content: ""; position: absolute; left: 0; top: 3px; width: 16px; height: 16px; border-radius: 50%; border: 2px solid var(--ink); background: var(--ink); }
.ms-list li::after { content: ""; position: absolute; left: 7px; top: 21px; bottom: -1px; width: 2px; background: var(--ink); }
.ms-list li:last-child::after { display: none; }
.ms-list li.now::before { background: linear-gradient(90deg, var(--ink) 50%, var(--paper) 50%); }
@media (max-width: 900px) { .two { grid-template-columns: minmax(0, 1fr); } }

/* ---------- How we start ---------- */
.sec-rule { border-top: 1px solid var(--rule); }
.steps { margin-top: clamp(36px, 5vw, 56px); display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; counter-reset: none; }
.steps li { display: flex; flex-direction: column; gap: 10px; border-top: 2px solid var(--ink); padding-top: 18px; min-width: 0; }
.steps h3 { font-size: 24px; line-height: 1.2; }
.steps p { font-size: 17px; line-height: 1.55; color: var(--ink-2); }
.measures { margin-top: clamp(48px, 6vw, 72px); background: var(--sky-wash); padding: clamp(22px, 3vw, 36px); border-radius: 2px; }
.measures-head { display: flex; flex-direction: row; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 6px 24px; padding-bottom: 14px; border-bottom: 1px solid var(--sky); }
.measures-title { font-size: 24px; line-height: 1.25; }
.measures-note { font-size: 15px; color: var(--ink-2); }
.m-grid { margin-top: 8px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0 32px; }
.m-grid div { padding: 16px 0; border-bottom: 1px solid var(--sky-pale); display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.m-grid dt { font-size: 18px; font-weight: 700; line-height: 1.35; }
.m-grid dd { font-size: 15.5px; line-height: 1.5; color: var(--ink-2); }
#start .btn { margin-top: 40px; }
@media (max-width: 900px) {
  .steps { grid-template-columns: minmax(0, 1fr); gap: 24px; }
  .m-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) { .m-grid { grid-template-columns: minmax(0, 1fr); } }

/* ---------- Team ---------- */
.people { margin-top: clamp(36px, 5vw, 56px); display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 24px 28px; }
.people div { display: flex; flex-direction: column; gap: 4px; border-top: 2px solid var(--ink); padding-top: 14px; min-width: 0; }
.people dt { font-size: 20px; line-height: 1.3; }
.people dd { font-size: 15px; line-height: 1.45; color: var(--ink-2); }
@media (max-width: 1000px) { .people { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (max-width: 600px) { .people { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* ---------- Questions ---------- */
.faq { gap: 0; }
.faq details { border-top: 1px solid var(--rule); }
.faq details:last-child { border-bottom: 1px solid var(--rule); }
.faq summary {
  list-style: none;
  cursor: pointer;
  position: relative;
  padding: 20px 48px 20px 0;
  font-size: 21px;
  line-height: 1.35;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "";
  position: absolute;
  right: 6px;
  top: 28px;
  width: 10px;
  height: 10px;
  border-right: 2px solid var(--ink);
  border-bottom: 2px solid var(--ink);
  transform: rotate(45deg);
  transition: transform 0.25s ease;
}
.faq details[open] summary::after { transform: rotate(-135deg); top: 33px; }
.faq details p { padding: 0 0 22px; max-width: 680px; font-size: 18px; color: var(--ink-2); }

/* ---------- Contact ---------- */
.foot-inner { padding-block: clamp(72px, 9vw, 120px) 36px; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: 56px; align-items: start; }
.foot-intro h2 { font-size: clamp(36px, 5vw, 64px); line-height: 1.04; letter-spacing: -0.016em; }
.foot-intro p { margin-top: 18px; max-width: 420px; font-size: 18px; color: var(--night-soft); }
.foot-mail a { display: inline-block; margin-top: 8px; font-size: clamp(20px, 2.4vw, 26px); color: var(--sky); text-decoration: none; border-bottom: 1px solid var(--night-line); padding: 6px 0 3px; user-select: all; }
.foot-mail a:hover { border-bottom-color: var(--sky); }
.form { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px 24px; }
.field { grid-column: 1 / -1; display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.field-half { grid-column: span 1; }
.field label { font-size: 13px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--night-dim); }
.field input {
  font-family: inherit;
  font-size: 19px;
  min-height: 48px;
  width: 100%;
  padding: 6px 0;
  background: transparent;
  color: var(--night-text);
  border: 0;
  border-bottom: 1px solid #4A5560;
  border-radius: 0;
}
.field input:focus { outline: none; border-bottom: 2px solid var(--sky); }
.form-actions { grid-column: 1 / -1; display: flex; flex-direction: row; flex-wrap: wrap; align-items: center; gap: 10px 18px; margin-top: 6px; }
.form-note { font-size: 14px; color: var(--night-soft); }
.foot-row {
  margin-top: clamp(64px, 8vw, 96px);
  padding-top: 22px;
  border-top: 1px solid var(--night-line);
  display: flex;
  flex-direction: row;
  flex-wrap: wrap;
  gap: 14px 36px;
  align-items: center;
  justify-content: space-between;
}
.foot-logo { display: block; height: 13px; width: auto; }
.tagline { font-size: 19px; font-style: italic; }
.foot-meta { font-size: 14px; color: var(--night-dim); }
.foot-meta a { text-decoration: none; border-bottom: 1px solid #4A5560; }
.disclaimer { margin-top: 12px; font-size: 13px; line-height: 1.5; color: var(--night-dim); }
@media (max-width: 900px) { .foot-grid { grid-template-columns: minmax(0, 1fr); gap: 36px; } }
@media (max-width: 480px) {
  body { font-size: 18px; }
  .form { grid-template-columns: minmax(0, 1fr); }
  .field-half { grid-column: 1 / -1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}