/* ==========================================================================
   Simple Choice Hub — stylesheet
   Plain CSS. No frameworks, no external fonts, no external images.
   ========================================================================== */

:root {
  --navy: #0d2440;
  --navy-2: #143659;
  --blue: #0b5fd0;
  --blue-dark: #094aa3;
  --blue-tint: #eaf2fd;
  --teal: #0e8f80;
  --amber: #b45309;
  --amber-tint: #fff8ed;
  --ink: #1c2430;
  --ink-soft: #4d5a6b;
  --line: #dfe5ec;
  --line-soft: #edf1f6;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --bg-soft-2: #eef2f7;
  --white: #ffffff;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow-sm: 0 1px 2px rgba(13, 36, 64, .06), 0 1px 3px rgba(13, 36, 64, .08);
  --shadow-md: 0 4px 10px rgba(13, 36, 64, .06), 0 12px 28px rgba(13, 36, 64, .08);
  --maxw: 1120px;
  --maxw-narrow: 760px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
}

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

img, svg { max-width: 100%; }

h1, h2, h3, h4 {
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 .5em;
  letter-spacing: -.012em;
}

h1 { font-size: 2.25rem; }
h2 { font-size: 1.6rem; margin-top: 2em; }
h3 { font-size: 1.2rem; margin-top: 1.7em; }
h4 { font-size: 1.02rem; margin-top: 1.5em; }

@media (min-width: 720px) {
  h1 { font-size: 2.75rem; }
  h2 { font-size: 1.9rem; }
  h3 { font-size: 1.32rem; }
}

p { margin: 0 0 1.05em; }

a { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--blue-dark); }

:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 2px;
  border-radius: 4px;
}

ul, ol { margin: 0 0 1.1em; padding-left: 1.25em; }
li { margin-bottom: .45em; }

hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }

small { font-size: .86rem; }

code {
  background: var(--bg-soft-2);
  padding: .1em .35em;
  border-radius: 4px;
  font-size: .9em;
}

/* ---------- Layout ---------- */

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.wrap-narrow { max-width: var(--maxw-narrow); margin: 0 auto; padding: 0 20px; }

.section { padding: 56px 0; }
.section-soft { background: var(--bg-soft); }
.section-tight { padding: 36px 0; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: 12px 18px;
  z-index: 200;
  border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }

/* ---------- Disclosure bar ---------- */

.disclosure-bar {
  background: var(--amber-tint);
  border-bottom: 1px solid #f0dcc0;
  font-size: .82rem;
  color: #5c4408;
}
.disclosure-bar .wrap {
  display: flex;
  gap: 8px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  padding-top: 7px;
  padding-bottom: 7px;
  text-align: center;
}
.disclosure-bar a { color: #7a4c05; font-weight: 600; }

/* ---------- Header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, .97);
  backdrop-filter: saturate(180%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 16px;
  min-height: 68px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1.08rem;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: -.02em;
  white-space: nowrap;
}
.brand:hover { color: var(--navy); }
.brand .mark {
  width: 30px;
  height: 30px;
  flex: 0 0 30px;
  border-radius: 8px;
  background: linear-gradient(140deg, var(--blue) 0%, var(--navy) 100%);
  display: grid;
  place-items: center;
}
.brand .mark svg { width: 17px; height: 17px; display: block; }

.nav { margin-left: auto; display: flex; align-items: center; gap: 4px; }
.nav a {
  color: var(--ink);
  text-decoration: none;
  font-size: .95rem;
  font-weight: 500;
  padding: 9px 12px;
  border-radius: 8px;
}
.nav a:hover { background: var(--bg-soft-2); color: var(--navy); }
.nav a[aria-current="page"] { color: var(--blue); font-weight: 600; }

.nav-toggle {
  margin-left: auto;
  display: none;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 12px;
  font: inherit;
  font-size: .9rem;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
}
.nav-toggle svg { width: 16px; height: 16px; }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    margin: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-md);
    padding: 8px 12px 16px;
  }
  .nav[hidden] { display: none; }
  .nav a { padding: 12px 10px; border-bottom: 1px solid var(--line-soft); border-radius: 0; }
  .nav .btn { margin-top: 12px; border-bottom: 0; text-align: center; }
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font: inherit;
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.2;
  padding: 13px 22px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background-color .15s ease, border-color .15s ease, transform .05s ease;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-dark); color: #fff; }
.btn-ghost { background: var(--white); color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { background: var(--bg-soft); color: var(--navy); }
.btn-sm { padding: 9px 16px; font-size: .92rem; }
.btn-block { width: 100%; }
.btn svg { width: 16px; height: 16px; flex: 0 0 16px; }

/* ---------- Hero ---------- */

.hero {
  background:
    radial-gradient(1000px 420px at 82% -8%, rgba(11, 95, 208, .16), transparent 62%),
    linear-gradient(180deg, #f7fafd 0%, #ffffff 100%);
  border-bottom: 1px solid var(--line-soft);
  padding: 54px 0 48px;
}
.hero-grid {
  display: grid;
  gap: 36px;
  align-items: start;
}
@media (min-width: 940px) {
  .hero { padding: 72px 0 64px; }
  .hero-grid { grid-template-columns: 1.05fr .95fr; gap: 52px; }
}
.hero h1 { margin-bottom: .35em; }
.hero .lede { font-size: 1.14rem; color: var(--ink-soft); max-width: 34em; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--blue-tint);
  border-radius: 999px;
  padding: 6px 13px;
  margin-bottom: 18px;
}
.eyebrow svg { width: 14px; height: 14px; flex: 0 0 14px; }

.hero-points { list-style: none; padding: 0; margin: 22px 0 0; }
.hero-points li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: .98rem;
  color: var(--ink);
  margin-bottom: .6em;
}
.hero-points svg { width: 19px; height: 19px; flex: 0 0 19px; margin-top: 3px; color: var(--teal); }

/* ---------- Partner / quote card ---------- */

.quote-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 26px 24px 22px;
}
.quote-card h2 { font-size: 1.3rem; margin-top: 0; }
.quote-card .sub { font-size: .95rem; color: var(--ink-soft); margin-bottom: 20px; }

.next-steps {
  counter-reset: step;
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
}
.next-steps li {
  position: relative;
  padding-left: 34px;
  font-size: .95rem;
  margin-bottom: .7em;
}
.next-steps li::before {
  counter-increment: step;
  content: counter(step);
  position: absolute;
  left: 0;
  top: 1px;
  width: 23px;
  height: 23px;
  border-radius: 999px;
  background: var(--blue-tint);
  color: var(--blue);
  font-size: .8rem;
  font-weight: 700;
  display: grid;
  place-items: center;
}

.form-note {
  font-size: .8rem;
  color: var(--ink-soft);
  line-height: 1.5;
  margin: 14px 0 0;
}
.form-note a { color: var(--ink-soft); }

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid var(--line-soft);
  font-size: .82rem;
  color: var(--ink-soft);
}
.trust-row span { display: inline-flex; align-items: center; gap: 6px; }
.trust-row svg { width: 15px; height: 15px; color: var(--teal); }

/* ---------- Cards & grids ---------- */

.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: 1fr; }
.grid-3 { grid-template-columns: 1fr; }
.grid-4 { grid-template-columns: 1fr; }
@media (min-width: 640px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 940px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 24px 22px;
  box-shadow: var(--shadow-sm);
}
.card h3 { margin-top: 0; font-size: 1.12rem; }
.card p:last-child { margin-bottom: 0; }
.card .icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--blue-tint);
  color: var(--blue);
  display: grid;
  place-items: center;
  margin-bottom: 14px;
}
.card .icon svg { width: 21px; height: 21px; }

a.card { text-decoration: none; color: inherit; display: block; }
a.card:hover { border-color: #bcd2f0; box-shadow: var(--shadow-md); }
a.card h3 { color: var(--blue); text-decoration: underline; text-underline-offset: 2px; }

.step-num {
  width: 34px;
  height: 34px;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: .95rem;
  margin-bottom: 14px;
}

.section-head { max-width: 44em; margin-bottom: 30px; }
.section-head h2 { margin-top: 0; }
.section-head p { color: var(--ink-soft); margin-bottom: 0; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Callouts ---------- */

.callout {
  border: 1px solid var(--line);
  border-left: 4px solid var(--blue);
  background: var(--bg-soft);
  border-radius: var(--radius);
  padding: 18px 20px;
  margin: 26px 0;
}
.callout h3, .callout h4 { margin-top: 0; }
.callout p:last-child { margin-bottom: 0; }
.callout-warn { border-left-color: var(--amber); background: var(--amber-tint); border-color: #f0dcc0; }
.callout-note { border-left-color: var(--teal); }

/* ---------- Tables ---------- */

.table-scroll { overflow-x: auto; margin: 24px 0; -webkit-overflow-scrolling: touch; }
table {
  border-collapse: collapse;
  width: 100%;
  min-width: 520px;
  font-size: .95rem;
}
caption {
  text-align: left;
  font-size: .88rem;
  color: var(--ink-soft);
  padding-bottom: 10px;
}
th, td {
  text-align: left;
  padding: 12px 14px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
thead th {
  background: var(--bg-soft-2);
  color: var(--navy);
  font-size: .85rem;
  text-transform: uppercase;
  letter-spacing: .04em;
}
tbody tr:nth-child(even) { background: #fbfcfe; }

/* ---------- Article ---------- */

.article-head { padding: 40px 0 8px; border-bottom: 1px solid var(--line-soft); }
.article-head .meta { font-size: .88rem; color: var(--ink-soft); }
.article-head .lede { font-size: 1.12rem; color: var(--ink-soft); }
.article-body { padding: 8px 0 48px; }
.article-body h2 { scroll-margin-top: 90px; }
.article-body h3 { scroll-margin-top: 90px; }
.article-body > ul li, .article-body > ol li { margin-bottom: .55em; }

.breadcrumbs { font-size: .85rem; color: var(--ink-soft); padding: 14px 0 0; }
.breadcrumbs a { color: var(--ink-soft); }
.breadcrumbs span { padding: 0 6px; color: #a9b4c2; }

.toc {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 26px 0 32px;
}
.toc h2 { font-size: 1rem; margin: 0 0 10px; text-transform: uppercase; letter-spacing: .05em; }
.toc ol { margin: 0; padding-left: 1.2em; }
.toc li { margin-bottom: .35em; font-size: .95rem; }

.byline {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 14px;
  align-items: center;
  font-size: .88rem;
  color: var(--ink-soft);
  padding: 14px 0 18px;
}
.byline .dot { color: #b8c2ce; }

/* ---------- FAQ ---------- */

.faq-item {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin-bottom: 12px;
  background: var(--white);
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  padding: 16px 20px;
  font-weight: 600;
  color: var(--navy);
  list-style: none;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: flex-start;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.4rem;
  line-height: 1;
  color: var(--blue);
  flex: 0 0 auto;
}
.faq-item[open] summary::after { content: "\2013"; }
.faq-item summary:hover { background: var(--bg-soft); }
.faq-answer { padding: 0 20px 16px; color: var(--ink); }
.faq-answer p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */

.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 55%, #1b4a7a 100%);
  color: #e9f0f8;
  padding: 52px 0;
}
.cta-band h2 { color: #fff; margin-top: 0; }
.cta-band p { color: #c9d8e8; max-width: 46em; }
.cta-band .btn-primary { background: #fff; color: var(--navy); }
.cta-band .btn-primary:hover { background: #e8f0fa; color: var(--navy); }
.cta-band .fineprint { font-size: .82rem; color: #a9bed4; margin-top: 16px; margin-bottom: 0; }
.cta-band .fineprint a { color: #d3e3f4; }

/* ---------- Legal pages ---------- */

.legal-body { padding: 8px 0 56px; }
.legal-body h2 { font-size: 1.35rem; margin-top: 2.2em; }
.legal-body h3 { font-size: 1.08rem; }
.legal-body p, .legal-body li { font-size: .98rem; }
.legal-meta {
  font-size: .88rem;
  color: var(--ink-soft);
  border-bottom: 1px solid var(--line);
  padding-bottom: 16px;
  margin-bottom: 8px;
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--navy);
  color: #c3d1e0;
  padding: 48px 0 28px;
  font-size: .93rem;
}
.site-footer h2 {
  color: #fff;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin: 0 0 14px;
}
.site-footer a { color: #cfdcea; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-grid {
  display: grid;
  gap: 30px;
  grid-template-columns: 1fr;
}
@media (min-width: 700px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: .55em; }
.footer-brand .brand { color: #fff; margin-bottom: 12px; }
.footer-brand p { color: #9fb2c6; font-size: .88rem; max-width: 30em; }
.footer-legal {
  margin-top: 34px;
  padding-top: 22px;
  border-top: 1px solid rgba(255, 255, 255, .14);
  font-size: .82rem;
  color: #93a7bc;
  line-height: 1.6;
}
.footer-legal p { margin-bottom: .8em; }
.footer-legal strong { color: #d6e2ee; }

/* ---------- Landing page (/bath) ---------- */

.lp-hero {
  background:
    radial-gradient(900px 380px at 50% -10%, rgba(11, 95, 208, .14), transparent 62%),
    linear-gradient(180deg, #f7fafd 0%, #ffffff 100%);
  padding: 40px 0 56px;
  text-align: center;
}
@media (min-width: 720px) { .lp-hero { padding: 56px 0 72px; } }

.lp-logo {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
  color: var(--navy);
  margin-bottom: 30px;
}
.lp-logo:hover { color: var(--navy); }
.lp-logo-mark {
  width: 56px;
  height: 56px;
  flex: 0 0 56px;
  border-radius: 14px;
  background: linear-gradient(140deg, var(--blue) 0%, var(--navy) 100%);
  color: #fff;
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-sm);
}
.lp-logo-mark svg { width: 30px; height: 30px; display: block; }
.lp-logo-text { display: flex; flex-direction: column; text-align: left; line-height: 1.2; }
.lp-logo-name { font-size: 1.55rem; font-weight: 800; letter-spacing: -.03em; }
.lp-logo-tag { font-size: .8rem; font-weight: 600; color: var(--ink-soft); margin-top: 3px; }
@media (min-width: 720px) {
  .lp-logo-mark { width: 68px; height: 68px; flex-basis: 68px; border-radius: 16px; }
  .lp-logo-mark svg { width: 36px; height: 36px; }
  .lp-logo-name { font-size: 2rem; }
  .lp-logo-tag { font-size: .88rem; }
}

.lp-headline {
  font-size: 1.9rem;
  margin: 0 0 26px;
  color: var(--navy);
}
@media (min-width: 720px) { .lp-headline { font-size: 2.5rem; } }

.lp-selection {
  background: var(--bg-soft-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 28px 22px 22px;
  max-width: 640px;
  margin: 0 auto;
}
@media (min-width: 720px) { .lp-selection { padding: 36px 34px 26px; } }
.lp-question { font-size: 1.5rem; margin: 0 0 22px; }
@media (min-width: 720px) { .lp-question { font-size: 1.8rem; } }

.lp-choices { display: flex; flex-direction: column; gap: 14px; }
.lp-choice {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 74px;
  padding: 18px 24px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  font-size: 1.6rem;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
  text-decoration: none;
  transition: background-color .15s ease, border-color .15s ease, transform .05s ease;
}
.lp-choice:active { transform: translateY(1px); }
.lp-choice-yes { background: var(--blue); color: #fff; }
.lp-choice-yes:hover { background: var(--blue-dark); color: #fff; }
.lp-choice-no { background: var(--white); color: var(--navy); border-color: var(--navy); }
.lp-choice-no:hover { background: var(--navy); color: #fff; }

.lp-note { font-size: .82rem; color: var(--ink-soft); margin: 18px 0 0; }

.lp-disclaimer {
  padding: 40px 0 48px;
  border-top: 1px solid var(--line-soft);
  font-size: .86rem;
  color: var(--ink-soft);
  line-height: 1.6;
}
.lp-disclaimer p { margin-bottom: .9em; }
.lp-disclaimer strong { color: var(--navy); }
.lp-disclaimer-lead {
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--navy);
  border: 1px solid var(--line);
  background: var(--bg-soft);
  border-radius: var(--radius);
  padding: 12px 16px;
  text-align: center;
}

/* ---------- Utilities ---------- */

.center { text-align: center; }
.muted { color: var(--ink-soft); }
.mb-0 { margin-bottom: 0; }
.mt-0 { margin-top: 0; }
.mt-24 { margin-top: 24px; }
.stack-btns { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  margin: -1px; padding: 0;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
  border: 0;
}
.pill-list { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.pill-list li { margin: 0; }
.pill-list a {
  display: inline-block;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 999px;
  padding: 7px 15px;
  font-size: .9rem;
  text-decoration: none;
  color: var(--navy);
}
.pill-list a:hover { border-color: var(--blue); color: var(--blue); }

@media print {
  .site-header, .site-footer, .disclosure-bar, .cta-band, .skip-link { display: none !important; }
  body { font-size: 12pt; }
}