/* Truppraisal — shared across index, for-brokers, for-homeowners.
   Brand: logo blue #217FA3, site navy #0A2239, deep blue #185B76. */
:root{
  --ground:#F1F5F7; --surface:#FFFFFF; --sunk:#E7EEF2;
  --ink:#0A2239; --muted:#52697C; --line:#CEDBE3;
  --brand:#217FA3; --brand-strong:#185B76; --brand-soft:#DFEDF4; --on-brand:#FFFFFF;
  --deep:#0A2239; --on-deep:#DCE9F1;
  --ochre:#8A5D00; --ochre-soft:#F7EDD8;
  --display:"Archivo","Helvetica Neue",Arial,sans-serif;
  --body:"Source Sans 3",-apple-system,"Segoe UI",sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,Consolas,monospace;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --ground:#061523; --surface:#0C2337; --sunk:#081B2B;
    --ink:#E4EEF5; --muted:#93AABC; --line:#1C3B55;
    --brand:#4FB2D8; --brand-strong:#3196BF; --brand-soft:#0F3348; --on-brand:#03131F;
    --deep:#030E19; --on-deep:#DCE9F1;
    --ochre:#E0B44F; --ochre-soft:#332A16;
  }
}
:root[data-theme="dark"]{
  --ground:#061523; --surface:#0C2337; --sunk:#081B2B;
  --ink:#E4EEF5; --muted:#93AABC; --line:#1C3B55;
  --brand:#4FB2D8; --brand-strong:#3196BF; --brand-soft:#0F3348; --on-brand:#03131F;
  --deep:#030E19; --on-deep:#DCE9F1;
  --ochre:#E0B44F; --ochre-soft:#332A16;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding-inline:clamp(16px,4vw,40px)}
a{color:var(--brand-strong)}
:focus-visible{outline:3px solid var(--brand);outline-offset:3px}
h1,h2,h3{font-family:var(--display);font-weight:700;line-height:1.06;letter-spacing:-.02em;text-wrap:balance;margin:0}
h1{font-size:clamp(34px,5vw,58px)}
h2{font-size:clamp(26px,3.3vw,39px)}
h3{font-size:20px;font-weight:600;letter-spacing:-.01em}
p{margin:0;max-width:64ch}
.label{font-family:var(--mono);font-size:11.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--muted)}

.ribbon{background:var(--ochre-soft);border-bottom:1px solid var(--line);font-size:13.5px;padding-block:9px}
.ribbon .wrap{display:flex;gap:12px;flex-wrap:wrap;align-items:baseline}
.ribbon b{font-family:var(--mono);font-size:11.5px;letter-spacing:.1em;color:var(--ochre)}

nav{padding-block:18px;border-bottom:1px solid var(--line)}
nav .wrap{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.navlinks{display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.navlinks a{font-size:15px;font-weight:600;text-decoration:none;color:var(--muted)}
.navlinks a:hover{color:var(--brand-strong)}
.navlinks a[aria-current="page"]{color:var(--ink);text-decoration:underline;text-underline-offset:5px;text-decoration-thickness:2px;text-decoration-color:var(--brand)}
.logo{display:inline-flex;align-items:center;text-decoration:none}
.logo img{height:25px;width:auto;display:block}
.logo .on-dark{display:none}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]) .logo .on-light{display:none}
  :root:not([data-theme="light"]) .logo .on-dark{display:block}
}
:root[data-theme="dark"] .logo .on-light{display:none}
:root[data-theme="dark"] .logo .on-dark{display:block}

.btn{display:inline-flex;align-items:center;gap:9px;background:var(--brand-strong);color:var(--on-brand);font-family:var(--body);font-weight:700;font-size:16px;padding:13px 22px;border-radius:4px;text-decoration:none;border:0;cursor:pointer}
.btn:hover{filter:brightness(1.12)}
.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn.ghost:hover{border-color:var(--brand)}
.btn.small{font-size:15px;padding:10px 17px}

.hero{padding-block:44px 64px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:start}
.hero.solo .wrap{grid-template-columns:1fr;max-width:820px}
.hero-copy{display:flex;flex-direction:column;gap:22px;padding-top:6px}
.hero-copy h1 em{font-style:normal;color:var(--brand)}
.lede{font-size:19.5px;color:var(--muted)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-top:4px}
.hero-note{font-size:14px;color:var(--muted)}

.card{background:var(--surface);border:1px solid var(--line);border-radius:6px;overflow:hidden}
.card-head{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding:13px 17px;background:var(--deep);color:var(--on-deep)}
.card-head .label{color:var(--on-deep);opacity:.65}
.subj{display:flex;flex-direction:column;gap:1px}
.subj strong{font-size:15.5px}
.subj span{font-family:var(--mono);font-size:12.5px;opacity:.75}
.scroll{overflow-x:auto}
table{border-collapse:collapse;width:100%;font-family:var(--mono);font-size:12.5px;font-variant-numeric:tabular-nums}
th{font-weight:500;text-align:left;color:var(--muted);font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;padding:9px 11px;border-bottom:1px solid var(--line);white-space:nowrap}
td{padding:8px 11px;border-bottom:1px solid var(--line);white-space:nowrap}
td.num,th.num{text-align:right}
tr.dim td{color:var(--muted)}
.bar{width:58px;height:5px;background:var(--brand-soft);border-radius:3px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--brand)}
.chip{font-family:var(--mono);font-size:10.5px;letter-spacing:.04em;padding:2px 6px;border-radius:2px;background:var(--brand-soft);color:var(--brand-strong)}
.chip.p{background:var(--ochre-soft);color:var(--ochre)}
.chip.a{background:transparent;color:var(--muted);border:1px dashed var(--line)}
.card-foot{display:flex;justify-content:space-between;align-items:end;gap:14px;flex-wrap:wrap;padding:15px 17px}
.est{font-family:var(--display);font-weight:700;font-size:31px;line-height:1}
.est small{display:block;font-family:var(--mono);font-weight:400;font-size:10.5px;letter-spacing:.09em;color:var(--muted);margin-bottom:5px;text-transform:uppercase}
.card-foot p{font-size:12.5px;color:var(--muted);max-width:30ch}

section{padding-block:72px;border-top:1px solid var(--line)}
.sec-head{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:40px;align-items:end;margin-bottom:40px}
.sec-head p{color:var(--muted);font-size:18px}
.sec-head.solo{grid-template-columns:1fr;gap:14px;align-items:start}

.math{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border:1px solid var(--line);background:var(--surface);border-radius:6px}
.math div{padding:26px 24px;display:flex;flex-direction:column;gap:7px}
.math div+div{border-left:1px solid var(--line)}
.math .n{font-family:var(--display);font-weight:700;font-size:44px;line-height:1;font-variant-numeric:tabular-nums}
.math .op{color:var(--brand)}
.math p{font-size:14.5px;color:var(--muted)}

.path{background:var(--deep);color:var(--on-deep);border-top:0}
.path h2{color:var(--on-deep)}
.path .sec-head p{color:var(--on-deep);opacity:.75}
.track{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:2px solid rgba(220,233,241,.22)}
.leg{padding:26px 26px 0 0;display:flex;flex-direction:column;gap:11px}
.leg+.leg{padding-left:26px;border-left:1px solid rgba(220,233,241,.16)}
.leg .step{font-family:var(--mono);font-size:11.5px;letter-spacing:.1em;color:#7FD0EE}
.leg h3{color:var(--on-deep)}
.leg p{font-size:15.5px;opacity:.85}
.leg .when{font-family:var(--mono);font-size:12px;opacity:.6;margin-top:auto;padding-top:10px}
.path-note{margin-top:34px;padding:18px 22px;border:1px dashed rgba(220,233,241,.3);border-radius:6px;font-size:15.5px;opacity:.9;max-width:78ch}

.rules{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid var(--line)}
.rule{display:grid;grid-template-columns:142px 1fr;gap:18px;padding-block:21px;border-bottom:1px solid var(--line);padding-right:26px}
.rule:nth-child(even){padding-left:26px;padding-right:0;border-left:1px solid var(--line)}
.rule .k{font-family:var(--mono);font-size:12.5px;color:var(--brand-strong);padding-top:3px}
.rule p{font-size:15.5px}

.split{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:46px}
.split>div{display:flex;flex-direction:column;gap:14px}
.split ul{margin:0;padding-left:1.1em;display:flex;flex-direction:column;gap:7px;max-width:56ch;color:var(--muted)}

/* two-column "is / is not" — used on every page, it's the spine of the product */
.isnot{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;border:1px solid var(--line);border-radius:6px;overflow:hidden;background:var(--surface)}
.isnot>div{padding:24px 26px;display:flex;flex-direction:column;gap:12px}
.isnot>div+div{border-left:1px solid var(--line)}
.isnot h3{font-size:18px}
.isnot ul{margin:0;padding-left:1.05em;display:flex;flex-direction:column;gap:8px;font-size:15.5px;color:var(--muted)}
.isnot .no{background:var(--sunk)}

.disclosure{background:var(--surface);border:2px solid var(--ink);border-radius:4px;padding:26px 28px;display:flex;flex-direction:column;gap:11px;max-width:800px}
.disclosure h3{font-size:24px}
.disclosure p{font-size:15.5px}
.disclosure .req{font-weight:700}

.callout{background:var(--brand-soft);border-left:4px solid var(--brand);border-radius:4px;padding:20px 24px;display:flex;flex-direction:column;gap:10px;max-width:76ch}
.callout h3{font-size:18px}
.callout p{font-size:15.5px}

.quote{border-left:3px solid var(--line);padding:4px 0 4px 20px;display:flex;flex-direction:column;gap:8px;margin-block:16px;max-width:76ch}
.quote p{font-style:italic;font-size:16px;color:var(--ink)}
.quote cite{font-style:normal;font-family:var(--mono);font-size:12px;color:var(--muted);letter-spacing:.04em}

.cta .wrap{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,6fr);gap:46px;align-items:start}
.cta-copy{display:flex;flex-direction:column;gap:16px}
form{background:var(--surface);border:1px solid var(--line);border-radius:6px;padding:26px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.field{display:flex;flex-direction:column;gap:5px}
.field.full{grid-column:1/-1}
label{font-size:13.5px;font-weight:600}
input,select{font:inherit;font-size:16px;color:var(--ink);background:var(--ground);border:1px solid var(--line);border-radius:4px;padding:10px 11px;width:100%}
input:focus,select:focus{outline:2px solid var(--brand);outline-offset:1px}
.hint{font-size:13px;color:var(--muted)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.msg{grid-column:1/-1;font-size:14.5px;min-height:1.4em}
.msg.err{color:var(--ochre)}
.msg.ok{color:var(--brand-strong);font-weight:600}

details{border-bottom:1px solid var(--line);padding-block:17px}
details:first-of-type{border-top:1px solid var(--line)}
summary{cursor:pointer;font-weight:700;font-size:17.5px;list-style:none;display:flex;justify-content:space-between;gap:16px;font-family:var(--display)}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:var(--mono);color:var(--brand)}
details[open] summary::after{content:"–"}
details p{margin-top:9px;color:var(--muted);font-size:16px}
details p+p{margin-top:8px}
.faq{max-width:820px}

.crosslink{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.crosslink a{display:flex;flex-direction:column;gap:7px;padding:22px 24px;background:var(--surface);border:1px solid var(--line);border-radius:6px;text-decoration:none;color:var(--ink)}
.crosslink a:hover{border-color:var(--brand)}
.crosslink strong{font-family:var(--display);font-size:19px}
.crosslink span{font-size:15px;color:var(--muted)}

footer{padding-block:38px 52px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
footer .wrap{display:flex;flex-direction:column;gap:11px}
footer p{max-width:86ch;font-size:13.5px}
.footlinks{display:flex;gap:18px;flex-wrap:wrap;margin-top:2px}
.footlinks a{font-size:14px;font-weight:600;text-decoration:none}

@media (max-width:900px){
  .hero .wrap,.sec-head,.cta .wrap,.split,.crosslink{grid-template-columns:1fr}
  .track,.rules,.isnot{grid-template-columns:1fr}
  .leg+.leg{padding-left:0;border-left:0;border-top:1px solid rgba(220,233,241,.16)}
  .leg{padding-right:0}
  .isnot>div+div{border-left:0;border-top:1px solid var(--line)}
  .rule:nth-child(even){padding-left:0;border-left:0}
  .rule{padding-right:0}
}
@media (max-width:640px){
  .math{grid-template-columns:1fr}
  .math div+div{border-left:0;border-top:1px solid var(--line)}
  form{grid-template-columns:1fr}
  .rule{grid-template-columns:1fr;gap:5px}
  body{font-size:16px}
}
@media (prefers-reduced-motion:no-preference){
  .bar i{animation:grow .8s cubic-bezier(.2,.7,.2,1) both;transform-origin:left}
  tr:nth-child(2) .bar i{animation-delay:.05s} tr:nth-child(3) .bar i{animation-delay:.1s}
  tr:nth-child(4) .bar i{animation-delay:.15s} tr:nth-child(5) .bar i{animation-delay:.2s}
  tr:nth-child(6) .bar i{animation-delay:.25s}
  @keyframes grow{from{transform:scaleX(.12)}to{transform:scaleX(1)}}
}