/* Kindly Noted (usfuneralexpense.net) v1.1: own design system, redrawn 2026-10-15 after the brand review.
   Catamaran (display) + Proza Libre (text); Libre Baskerville only inside the letter itself. Harbor navy, sky and marigold.
   Colour-block split hero with the product's own wallet card and budget gauge, outlined step tiles, colour bands. No shared kit CSS. */
@font-face { font-family: "Catamaran"; src: url("fonts/catamaran-latin-700-normal.woff2") format("woff2"); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Catamaran"; src: url("fonts/catamaran-latin-800-normal.woff2") format("woff2"); font-weight: 800; font-style: normal; font-display: swap; }
@font-face { font-family: "Libre Baskerville"; src: url("fonts/libre-baskerville-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Libre Baskerville"; src: url("fonts/libre-baskerville-latin-400-italic.woff2") format("woff2"); font-weight: 400; font-style: italic; font-display: swap; }
@font-face { font-family: "Libre Baskerville"; src: url("fonts/libre-baskerville-latin-700-normal.woff2") format("woff2"); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Proza Libre"; src: url("fonts/proza-libre-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Proza Libre"; src: url("fonts/proza-libre-latin-400-italic.woff2") format("woff2"); font-weight: 400; font-style: italic; font-display: swap; }
@font-face { font-family: "Proza Libre"; src: url("fonts/proza-libre-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-style: normal; font-display: swap; }

:root {
  --paper: #FFFFFF;
  --mist: #EEF3F8;
  --mist-2: #D9E3EE;
  --sky: #DCEAF6;
  --ink: #10263F;
  --blue: #1F4E7A;
  --text: #18222F;
  --muted: #4E5A6A;
  --gold: #E9A23B;
  --gold-2: #F3B95E;
  --gold-ink: #8A5410;
  --gold-soft: #FCEFD9;
  --sage: #2E7350;
  --sage-soft: #E1F0E7;
  --rule: #D3DCE6;
  --line-blue: #DCE3EC;
  --display: "Catamaran", "Segoe UI", system-ui, sans-serif;
  --serif: "Libre Baskerville", Georgia, "Times New Roman", serif;
  --sans: "Proza Libre", "Segoe UI", system-ui, sans-serif;
  --r: 18px;
  --shadow: 0 1px 2px rgba(16, 38, 63, .08), 0 18px 40px -18px rgba(16, 38, 63, .35);
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--text); font: 400 1.125rem/1.65 var(--sans); }
img, svg { max-width: 100%; }
a { color: var(--blue); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--ink); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
h1, h2, h3 { font-family: var(--display); font-weight: 800; color: var(--ink); line-height: 1.1; margin: 0 0 .5em; letter-spacing: -.012em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.3rem); }
h2 { font-size: clamp(1.6rem, 2.8vw, 2.25rem); }
h3 { font-size: 1.3rem; font-weight: 700; }
p { margin: 0 0 1em; }
.wrap { width: min(1200px, 100% - 40px); margin-inline: auto; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 8px; z-index: 9; }
.skip:focus { left: 12px; }
.kicker, .eyebrow { display: flex; align-items: center; gap: 12px; font: 600 1rem/1.4 var(--sans); color: var(--blue); margin-bottom: .8em; }
.kicker::before, .eyebrow::before { content: ""; flex: none; width: 28px; height: 4px; border-radius: 2px; background: var(--gold); }
.kicker--light, .eyebrow--light { color: #CFE0F1; }
.lede { font-size: 1.22rem; color: var(--muted); max-width: 46em; }
.fine { font-size: .95rem; color: var(--muted); }
.center { text-align: center; }
.num { text-align: right; font-variant-numeric: lining-nums tabular-nums; white-space: nowrap; }

/* buttons: squared-off, not pills */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .4em; min-height: 48px; padding: 10px 22px; border-radius: 8px;
  font: 600 1rem/1.2 var(--sans); text-decoration: none; cursor: pointer; border: 2px solid transparent; transition: background .15s, color .15s, border-color .15s; }
.btn--ink { background: var(--ink); color: #fff; }
.btn--ink:hover { background: var(--blue); color: #fff; }
.btn--gold { background: var(--gold); color: var(--ink); }
.btn--gold:hover { background: var(--gold-2); color: var(--ink); }
.btn--outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn--outline:hover { background: var(--ink); color: #fff; }
.btn--light { background: #fff; color: var(--ink); }
.btn--light:hover { background: var(--gold); color: var(--ink); }
.btn--danger { background: #fff; color: #A3302A; border-color: #A3302A; }
.btn--danger:hover { background: #A3302A; color: #fff; }
.btn--big { min-height: 56px; padding: 14px 28px; font-size: 1.08rem; }
button[hidden] { display: none; }

/* price strip: light, above the masthead */
.strip { background: var(--mist); color: var(--text); font-size: .9rem; border-bottom: 1px solid var(--mist-2); }
.strip__in { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 7px 0; }
.strip p { margin: 0; }
.strip__pre { color: var(--sage); }
.strip__free { color: var(--muted); }
.strip a { color: var(--blue); font-weight: 600; white-space: nowrap; }

/* masthead */
.mast { background: #fff; border-bottom: 1px solid var(--rule); position: relative; z-index: 3; }
.mast__in { display: flex; align-items: center; gap: 30px; min-height: 80px; }
.mark { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); margin-right: auto; }
.mark:hover { color: var(--ink); }
.mark__glyph { width: 38px; height: 38px; flex: none; }
.mark__glyph rect { fill: var(--gold); }
.mark__glyph path { fill: #fff; stroke: var(--ink); stroke-width: 2.4; stroke-linejoin: round; stroke-linecap: round; }
.mark__glyph path + path { fill: none; }
.mark__word { font: 800 1.6rem/1 var(--display); letter-spacing: -.015em; padding-top: 3px; }
.nav { display: flex; gap: 28px; }
.nav a { color: var(--text); text-decoration: none; font-weight: 600; font-size: 1rem; padding: 26px 0 24px; border-bottom: 4px solid transparent; }
.nav a:hover, .nav a[aria-current] { border-bottom-color: var(--gold); color: var(--ink); }
.menu { display: none; position: relative; }
.menu summary { list-style: none; cursor: pointer; display: flex; align-items: center; gap: 10px; min-height: 48px; padding: 0 16px; border: 2px solid var(--ink); border-radius: 8px; font-weight: 600; color: var(--ink); }
.menu summary::-webkit-details-marker { display: none; }
.menu__bars, .menu__bars::before, .menu__bars::after { display: block; width: 18px; height: 2px; background: currentColor; border-radius: 2px; }
.menu__bars { position: relative; }
.menu__bars::before, .menu__bars::after { content: ""; position: absolute; left: 0; }
.menu__bars::before { top: -6px; } .menu__bars::after { top: 6px; }
.menu__panel { position: absolute; right: 0; top: calc(100% + 10px); width: min(320px, calc(100vw - 32px)); background: #fff; border: 1px solid var(--rule); border-radius: 12px; box-shadow: var(--shadow); padding: 10px; display: grid; gap: 2px; }
.menu__panel a:not(.btn) { padding: 12px 14px; border-radius: 8px; text-decoration: none; color: var(--text); font-weight: 600; }
.menu__panel a:not(.btn):hover, .menu__panel a[aria-current] { background: var(--mist); }
.menu__panel .btn { margin-top: 8px; }

/* hero: full-bleed colour-block split (navy copy panel | sky panel with the product's own wallet card and budget gauge) */
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; min-height: 600px; }
.hero__panel { background: var(--ink); color: #DCE6F1; display: flex; align-items: center; padding: 72px clamp(24px, 4vw, 64px) 80px max(20px, calc((100vw - 1200px) / 2)); }
.hero__copy { max-width: 600px; }
.hero__h { color: #fff; font-size: clamp(2.7rem, 5.6vw, 4.6rem); line-height: 1; letter-spacing: -.025em; margin-bottom: .4em; }
.hero__lede { font-size: 1.22rem; max-width: 33em; }
.hero__acts { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 26px; margin: 30px 0 26px; }
.hero__link { color: #fff; font-weight: 600; text-decoration: none; border-bottom: 2px solid var(--gold); padding: 4px 0; }
.hero__link:hover { color: var(--gold-2); }
.hero__facts { list-style: none; padding: 22px 0 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px 24px; border-top: 1px solid rgba(255, 255, 255, .18); font-size: .95rem; }
.hero__facts li { display: flex; align-items: center; gap: 8px; }
.hero__facts li::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); }
.hero__art { background: var(--sky); display: flex; align-items: center; justify-content: center; padding: 56px clamp(20px, 4vw, 56px); position: relative; overflow: hidden; }
.hero__art::before { content: ""; position: absolute; width: 520px; height: 520px; border-radius: 50%; border: 70px solid rgba(255, 255, 255, .45); right: -180px; top: -200px; }
.exhibit { position: relative; margin: 0; width: min(100%, 470px); display: grid; }
.exhibit figcaption { font-size: .88rem; color: var(--muted); margin-top: 18px; }
.gauge { background: #fff; border-radius: var(--r); box-shadow: var(--shadow); padding: 26px 28px 52px; display: grid; grid-template-columns: 140px 1fr; gap: 16px 24px; align-items: center; width: 100%; }
.gauge__ring { width: 140px; height: 140px; }
.gauge__track { fill: none; stroke: var(--mist); stroke-width: 14; }
.gauge__fill { fill: none; stroke: var(--sage); stroke-width: 14; stroke-linecap: round; }
.gauge--over .gauge__fill { stroke: #A3302A; }
.gauge__mid { display: grid; }
.gauge__mid strong { font: 800 2.3rem/1 var(--display); color: var(--sage); }
.gauge--over .gauge__mid strong { color: #A3302A; }
.gauge__mid span { color: var(--muted); font-size: .95rem; }
.gauge__dl { margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 6px 20px; grid-column: 1 / -1; }
.gauge__dl div { display: grid; border-top: 1px solid var(--rule); padding-top: 8px; font-size: .92rem; }
.gauge__dl dt { color: var(--muted); }
.gauge__dl dd { margin: 0; font: 800 1.3rem/1.2 var(--display); color: var(--ink); }
.wallet { justify-self: end; width: 78%; margin-top: -30px; background: #fff; border-radius: 14px; box-shadow: var(--shadow); padding: 0 22px 18px; border-top: 10px solid var(--gold); position: relative; }
.wallet__brand { font: 700 .78rem/1 var(--display); letter-spacing: .08em; text-transform: uppercase; color: var(--blue); margin: 14px 0 10px; }
.wallet__h { font: 800 1.15rem/1.25 var(--display); color: var(--ink); margin: 0 0 2px; }
.wallet__name { font-size: .95rem; color: var(--muted); margin: 0 0 8px; }
.wallet__k { font-size: .78rem; font-weight: 600; color: var(--gold-ink); text-transform: uppercase; letter-spacing: .06em; margin: 8px 0 0; }
.wallet__v { font-size: .95rem; margin: 0; }

/* stationery */
.sheet { position: relative; background: #fff; border-radius: 6px; box-shadow: var(--shadow); padding: 34px 36px 30px; }
.sheet--note { max-width: 720px; margin: 0 auto; }
.sheet__line { display: flex; justify-content: space-between; gap: 12px; text-align: right; margin: 0; padding: 8px 0; border-bottom: 1px dotted var(--rule); font-family: var(--serif); font-size: 1.02rem; }
.sheet__line > span { flex: none; max-width: 42%; text-align: left;
  font-family: var(--sans); font-size: .82rem; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); padding-top: 3px; }
.letter__fold { position: absolute; top: 0; right: 0; width: 46px; height: 46px; background: linear-gradient(225deg, var(--paper) 50%, var(--mist-2) 50%); border-bottom-left-radius: 6px; box-shadow: -2px 2px 4px rgba(0,0,0,.06); }
.letter__stamp { display: inline-block; font: 600 .82rem/1.4 var(--sans); color: var(--gold-ink); background: var(--gold-soft); border-left: 4px solid var(--gold); border-radius: 0 6px 6px 0; padding: 6px 12px; margin-bottom: 14px; max-width: 34em; }
.letter__salute { font: italic 400 1.5rem/1.3 var(--serif); color: var(--ink); margin-bottom: .6em; }
.letter__sign { font: italic 400 1.45rem/1.3 var(--serif); color: var(--ink); text-align: right; margin: 22px 0 6px; }

/* envelope meter */
.env { background: var(--mist); border-radius: 12px; padding: 16px 18px; margin: 18px 0 6px; border: 1px solid var(--mist-2); }
.env__top, .env__bot { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: .95rem; }
.env__top strong { font: 800 1.2rem/1.2 var(--display); color: var(--ink); }
.env__bar { height: 12px; border-radius: 99px; background: #fff; border: 1px solid var(--mist-2); margin: 10px 0; overflow: hidden; }
.env__bar span { display: block; height: 100%; background: var(--sage); border-radius: 99px; }
.env--over .env__bar span { background: var(--gold-ink); }
.env__ok { color: var(--sage); font-weight: 600; }
.env__bad { color: #A3302A; font-weight: 600; }
.w0 { width: 0; } .w5 { width: 5%; } .w10 { width: 10%; } .w15 { width: 15%; } .w20 { width: 20%; } .w25 { width: 25%; } .w30 { width: 30%; }
.w35 { width: 35%; } .w40 { width: 40%; } .w45 { width: 45%; } .w50 { width: 50%; } .w55 { width: 55%; } .w60 { width: 60%; } .w65 { width: 65%; }
.w70 { width: 70%; } .w75 { width: 75%; } .w80 { width: 80%; } .w85 { width: 85%; } .w90 { width: 90%; } .w95 { width: 95%; } .w100 { width: 100%; }

/* step tiles: outlined, under the hero */
.tiles { background: var(--mist); padding: 56px 0; }
.tiles__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.tile { position: relative; display: flex; flex-direction: column; gap: 6px; background: #fff; border-radius: var(--r); border: 1.5px solid var(--mist-2); padding: 24px 22px 22px; text-decoration: none; color: var(--text); transition: border-color .15s, transform .15s; }
.tile:hover { border-color: var(--blue); color: var(--text); transform: translateY(-2px); }
.tile strong { font: 800 1.25rem/1.2 var(--display); color: var(--ink); }
.tile span:last-child { color: var(--muted); font-size: 1rem; }
.tile__ic { width: 48px; height: 48px; margin-bottom: 10px; }
.tile__ic circle:first-child { fill: var(--sky); stroke: none; }
.tile__ic path, .tile__ic circle + circle { fill: none; stroke: var(--blue); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.tile__n { position: absolute; top: 20px; right: 20px; width: 30px; height: 30px; border-radius: 50%; background: var(--gold); color: var(--ink); font: 800 .95rem/30px var(--display); text-align: center; }

/* quote: left-aligned, marigold rule */
.quote { padding: 88px 0 72px; }
.quote__in { display: grid; grid-template-columns: 90px 1fr; gap: 24px; max-width: 1000px; }
.quote__mark { font: 800 7rem/.8 var(--display); color: var(--gold); margin: 0; }
.quote blockquote { margin: 0; }
.quote blockquote p { font: 700 clamp(1.5rem, 3vw, 2.2rem)/1.25 var(--display); color: var(--ink); letter-spacing: -.01em; }
.quote__cite { color: var(--text); font-size: 1.05rem; border-left: 4px solid var(--gold); padding-left: 16px; max-width: 46em; }
.quote__src { color: var(--muted); font-size: .95rem; }

/* colour bands: two big links */
.bands { display: grid; grid-template-columns: 1fr 1fr; }
.band { display: block; text-decoration: none; color: #fff; padding: 34px 0; transition: filter .15s; }
.band:hover { color: #fff; filter: brightness(1.15); }
.band--ink { background: var(--ink); }
.band--blue { background: var(--blue); }
.band__in { display: grid; grid-template-columns: 1fr auto; gap: 4px 20px; width: auto; padding: 0 clamp(20px, 4vw, 56px); }
.band__k { font: 800 clamp(1.5rem, 2.5vw, 2rem)/1.15 var(--display); }
.band__t { grid-column: 1; opacity: .9; }
.band__arrow { grid-column: 2; grid-row: 1 / span 2; align-self: center; width: 52px; height: 52px; border-radius: 50%; background: var(--gold); color: var(--ink); display: grid; place-items: center; font-size: 1.5rem; }

/* budget split */
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding: 88px 0; }
.split__copy p { max-width: 36em; }
.ledger { width: 100%; border-collapse: collapse; font-size: 1rem; }
.ledger caption { text-align: left; font: 700 1.05rem/1.4 var(--display); color: var(--blue); padding-bottom: 10px; }
.ledger th, .ledger td { padding: 9px 4px; border-bottom: 1px solid var(--rule); text-align: left; vertical-align: top; }
.ledger thead th { font: 600 .8rem/1.3 var(--sans); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.ledger td.num, .ledger th.num { text-align: right; }
.ledger tfoot th, .ledger tfoot td { border-bottom: 0; border-top: 2px solid var(--ink); font: 800 1.1rem/1.3 var(--display); color: var(--ink); }
.ledger--card { background: #fff; border-radius: var(--r); box-shadow: var(--shadow); padding: 22px 26px; display: block; }
.ledger--card tbody, .ledger--card tfoot { display: table; width: 100%; }
.ledger--card caption { display: block; }
.ledger--card tfoot tr + tr th, .ledger--card tfoot tr + tr td { border-top: 0; font-weight: 400; color: var(--muted); }
.ledger__grp { color: var(--muted); font-size: .92rem; }
.ledger__src { display: block; font-size: .85rem; color: var(--muted); }
.ledger__ask { font-size: .88rem; color: var(--gold-ink); font-style: italic; }

/* privacy row */
.lockrow { background: var(--ink); color: #DCE6F1; padding: 80px 0; }
.lockrow h2 { color: #fff; }
.lockrow__grid { display: grid; grid-template-columns: 220px 1fr; gap: 56px; align-items: center; }
.lockrow__grid p { max-width: 44em; }
.lockrow__art { width: 200px; height: 200px; }
.lockrow__art rect, .lockrow__art path, .lockrow__art circle { fill: none; stroke: var(--gold); stroke-width: 3; stroke-linecap: round; }

/* pricing */
.price { padding: 88px 0 40px; }
.price__head { max-width: 760px; margin-bottom: 30px; }
.price__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.price__grid--3 { grid-template-columns: repeat(3, 1fr); }
.plan { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 30px 30px 26px; }
.plan--pass { border: 2px solid var(--ink); box-shadow: var(--shadow); border-top: 10px solid var(--gold); }
.plan h2, .plan h3 { font-size: 1.35rem; }
.plan__price { font: 800 2.9rem/1.05 var(--display); color: var(--ink); margin: 0 0 6px; }
.plan__price small { font: 400 1rem var(--sans); color: var(--muted); }
.plan__or { color: var(--muted); }
.plan ul { padding-left: 1.1em; margin: 14px 0; }
.plan li { margin: 6px 0; }
.plan__preview, .preview { background: var(--sage-soft); color: #1F5138; border-radius: 10px; padding: 12px 16px; font-weight: 600; font-size: 1rem; }
.preview { max-width: 46em; }
.price__q { font-size: 1.35rem; margin-top: 36px; }

.nevers { padding: 40px 0 96px; }
.nevers__list { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px 36px; margin: 20px 0 32px; }
.nevers__list li { padding-left: 34px; position: relative; }
.nevers__list li::before { content: ""; position: absolute; left: 0; top: .3em; width: 22px; height: 22px; border-radius: 6px; background: var(--ink) linear-gradient(45deg, transparent 44%, var(--gold) 44% 56%, transparent 56%); }

/* inner pages */
.pagehead { padding: 64px 0 18px; }
.pagehead h1 { font-size: clamp(2.3rem, 4.6vw, 3.4rem); }
.pagehead--narrow { max-width: 820px; }
.prose { max-width: 820px; padding-bottom: 80px; }
.prose li { margin: 8px 0; }
.prose h2 { font-size: 1.45rem; margin-top: 1.4em; }
.begin { display: grid; grid-template-columns: 1.3fr .7fr; gap: 48px; align-items: start; padding-bottom: 96px; }
.begin__steps { counter-reset: s; list-style: none; padding: 0; margin: 0; }
.begin__steps li { counter-increment: s; position: relative; padding: 0 0 22px 64px; }
.begin__steps li::before { content: counter(s); position: absolute; left: 0; top: 0; width: 44px; height: 44px; border-radius: 50%; background: var(--mist); color: var(--ink); font: 800 1.25rem/44px var(--display); text-align: center; }
.begin__form { background: #fff; border-radius: var(--r); box-shadow: var(--shadow); padding: 30px; position: sticky; top: 20px; }
.begin__form .btn { width: 100%; }
.how { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; padding-bottom: 40px; }
.how__item { display: grid; grid-template-columns: 52px 1fr; gap: 18px; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 24px; scroll-margin-top: 20px; }
.how__item h2 { font-size: 1.3rem; }
.how__item p { margin: 0; }
.how__n { width: 48px; height: 48px; border-radius: 12px; background: var(--gold); color: var(--ink); font: 800 1.35rem/48px var(--display); text-align: center; }
.how__note { max-width: 820px; padding-bottom: 96px; }
.facts { max-width: 880px; padding-bottom: 96px; }
.facts h2 { margin-top: 1.6em; }
.fact { border-left: 4px solid var(--ink); background: #fff; padding: 18px 22px; margin: 16px 0; border-radius: 0 10px 10px 0; }
.fact--warm { border-left-color: var(--gold-ink); background: var(--gold-soft); }
.fact blockquote { margin: 0; }
.fact blockquote p { font: italic 400 1.1rem/1.6 var(--serif); color: var(--text); margin: 0 0 8px; }
.fact__cite { font-size: .92rem; color: var(--muted); margin: 0; }
.facts__qs li { margin: 8px 0; }
.msg { padding: 72px 0 96px; }
.msg__acts { display: flex; gap: 12px; flex-wrap: wrap; margin: 20px 0 0; }

/* the letter */
.sheetwrap { padding: 20px 0 80px; }
.letter { position: relative; max-width: 820px; margin: 0 auto 24px; background: #fff; border-radius: 6px; box-shadow: var(--shadow); padding: 56px 64px 40px; font-family: var(--serif); font-size: 1.06rem; line-height: 1.75; }
.letter__open { color: var(--muted); }
.letter__empty { font-style: italic; color: var(--muted); }
.letter__part { border-top: 1px solid var(--rule); padding-top: 18px; margin-top: 18px; }
.letter__part h3 { font: 600 .82rem/1.4 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-ink); margin: 0 0 8px; }
.letter__big { font-size: 1.28rem; color: var(--ink); margin-bottom: .4em; }
.letter__dl { display: grid; grid-template-columns: 11em 1fr; gap: 6px 18px; margin: 8px 0 0; }
.letter__dl dt { font: 600 .9rem/1.75 var(--sans); color: var(--muted); }
.letter__dl dd { margin: 0; }
.letter__small { font: .95rem/1.5 var(--sans); color: var(--muted); }
.letter__list { margin: 0 0 10px; padding-left: 1.2em; }
.letter__cite { font: italic .95rem/1.5 var(--serif); color: var(--muted); border-left: 3px solid var(--gold-ink); padding-left: 12px; }
.letter__msg { background: var(--mist); border-radius: 8px; padding: 18px 22px; margin-top: 16px; font-style: italic; }
.letter__msg p { margin: 0; }
.letter__dates, .letter__legal { font: .88rem/1.5 var(--sans); color: var(--muted); margin: 4px 0 0; text-align: right; }
.letter .ledger { font-family: var(--sans); margin-top: 6px; }

/* app (private letter pages) */
.app { display: grid; grid-template-columns: 250px 1fr; gap: 44px; padding: 40px 0 96px; align-items: start; }
.app__main { min-width: 0; }
.app__h { font-size: clamp(1.8rem, 3.4vw, 2.5rem); }
.app__meta { color: var(--muted); font-size: .98rem; }
.rail { position: sticky; top: 20px; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 18px; }
.rail__h { font: 800 1.15rem/1.3 var(--display); margin: 0 0 10px; }
.rail__h a { text-decoration: none; color: var(--ink); }
.rail ol { list-style: none; padding: 0; margin: 0; display: grid; gap: 2px; }
.rail ol a { display: flex; align-items: center; gap: 12px; padding: 9px 10px; border-radius: 10px; text-decoration: none; color: var(--text); font-weight: 600; font-size: 1rem; }
.rail ol a:hover, .rail ol a[aria-current] { background: var(--mist); }
.rail__n { width: 30px; height: 30px; flex: none; border-radius: 50%; border: 2px solid var(--mist-2); display: grid; place-items: center; font: 800 .9rem/1 var(--display); color: var(--muted); }
.rail__n.is-done { background: var(--sage); border-color: var(--sage); color: #fff; }
.rail__more { display: grid; gap: 2px; border-top: 1px solid var(--rule); margin: 12px 0 0; padding-top: 10px; font-size: .96rem; }
.rail__more a { padding: 6px 10px; }
.keep { background: var(--gold-soft); border: 2px solid var(--gold-ink); border-radius: var(--r); padding: 26px 28px; margin-bottom: 28px; }
.keep__h { font-size: 1.6rem; }
.linkbox { display: flex; gap: 10px; flex-wrap: wrap; margin: 10px 0; }
.linkbox__in { flex: 1 1 260px; min-width: 0; min-height: 48px; border: 2px solid var(--ink); border-radius: 10px; padding: 8px 12px; font: 600 .95rem/1.2 ui-monospace, "Cascadia Mono", Menlo, monospace; color: var(--ink); background: #fff; }
.linkdet { margin: 6px 0 22px; }
.linkdet summary { cursor: pointer; font-weight: 600; color: var(--blue); min-height: 40px; display: inline-flex; align-items: center; }
.flash { background: var(--sage-soft); color: #1F5138; border-radius: 10px; padding: 10px 16px; font-weight: 600; display: inline-block; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 22px 0 30px; }
.card { display: grid; grid-template-columns: 40px 1fr; grid-template-rows: auto auto; gap: 0 12px; padding: 18px; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); text-decoration: none; color: var(--text); }
.card:hover { border-color: var(--ink); color: var(--text); }
.card__n { grid-row: span 2; width: 40px; height: 40px; border-radius: 50%; background: var(--mist); display: grid; place-items: center; font: 800 1.05rem/1 var(--display); color: var(--ink); }
.card--done .card__n { background: var(--sage); color: #fff; }
.card strong { font: 800 1.12rem/1.3 var(--display); color: var(--ink); }
.card__s { font-size: .92rem; color: var(--muted); }
.ovr { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.ovr > div { background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 22px 24px; }
.ovr h2 { font-size: 1.3rem; }
.acts { list-style: none; padding: 0; margin: 0 0 12px; }
.acts li { border-bottom: 1px solid var(--rule); }
.acts a, .acts__off { display: flex; justify-content: space-between; gap: 10px; padding: 11px 0; text-decoration: none; flex-wrap: wrap; }
.acts span span, .acts a span { color: var(--muted); font-size: .92rem; }
.acts__off strong { color: var(--muted); }
.danger { margin-top: 40px; border-top: 1px solid var(--rule); padding-top: 14px; }
.danger summary { cursor: pointer; color: #8E2A1A; font-weight: 600; min-height: 40px; display: inline-flex; align-items: center; }
.danger form { display: grid; gap: 12px; justify-items: start; max-width: 40em; padding-top: 10px; }
.check { display: inline-flex; gap: 10px; align-items: center; min-height: 44px; font-weight: 600; }
.check input, .tick input { width: 22px; height: 22px; accent-color: var(--ink); }

/* forms */
.form { display: grid; gap: 22px; margin-top: 18px; }
.form--inline { grid-template-columns: 1fr auto; align-items: end; gap: 14px; }
.field { border: 0; padding: 0; margin: 0; min-width: 0; }
.field > label, .field legend { display: block; font-weight: 600; font-size: 1.05rem; color: var(--text); margin-bottom: 4px; padding: 0; }
.hint { font-size: .95rem; color: var(--muted); margin: 0 0 8px; }
input[type=text], textarea, select { width: 100%; min-height: 48px; border: 1.5px solid #9AA8B8; border-radius: 10px; padding: 10px 12px; font: 400 1.05rem/1.45 var(--sans); color: var(--text); background: #fff; }
textarea { resize: vertical; }
input[type=text]:focus, textarea:focus, select:focus { border-color: var(--ink); outline: 3px solid rgba(233, 162, 59, .45); outline-offset: 0; }
.money { display: flex; align-items: center; gap: 6px; }
.money > span { font-weight: 600; color: var(--muted); }
.field--money .money { max-width: 260px; }
.err { color: #8E2A1A; font-weight: 600; font-size: .95rem; margin: 2px 0 6px; }
.errsum { background: #FBECEA; border: 2px solid #8E2A1A; border-radius: 12px; padding: 14px 20px; margin: 12px 0; }
.errsum ul { margin: 6px 0 0; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip__in { position: absolute; opacity: 0; width: 1px; height: 1px; }
.chip { display: inline-flex; align-items: center; min-height: 48px; padding: 10px 18px; border-radius: 8px; background: var(--mist); border: 2px solid var(--mist); cursor: pointer; font-weight: 600; font-size: 1rem; color: var(--text); }
.chip:hover { border-color: var(--blue); }
.chip__in:checked + .chip { background: var(--ink); border-color: var(--ink); color: #fff; }
.chip__in:focus-visible + .chip { outline: 3px solid var(--gold); outline-offset: 2px; }
.ticks { display: grid; gap: 4px; }
.tick { display: flex; gap: 12px; align-items: center; min-height: 44px; }
.form__acts { display: flex; gap: 12px; flex-wrap: wrap; padding-top: 6px; border-top: 1px solid var(--rule); padding-top: 22px; }
.lines { display: grid; gap: 8px; }
.lines__head, .line { display: grid; grid-template-columns: 2.1fr 1.3fr 1fr 1.6fr; gap: 8px; align-items: start; }
.lines__head span { font: 600 .8rem/1.3 var(--sans); letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.line .err { grid-column: 1 / -1; }
.line label { display: block; min-width: 0; }
.opts { display: flex; flex-wrap: wrap; gap: 8px; margin: 10px 0; }
.opt { padding: 10px 16px; border-radius: 8px; background: var(--mist); text-decoration: none; color: var(--text); font-weight: 600; min-height: 44px; display: inline-flex; align-items: center; gap: 6px; }
.opt.is-on { background: var(--ink); color: #fff; }
.opt--cmp { background: transparent; border: 2px solid var(--ink); color: var(--ink); }
.tools { display: grid; gap: 14px; margin-top: 30px; padding: 20px; background: var(--mist); border-radius: var(--r); }
.tools form { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; }
.cmp { overflow-x: auto; background: #fff; border: 1px solid var(--rule); border-radius: var(--r); padding: 10px 14px; }
.cmp__t { width: 100%; border-collapse: collapse; }
.cmp__t th, .cmp__t td { padding: 10px; border-bottom: 1px solid var(--rule); text-align: left; vertical-align: top; }
.cmp__t thead th { font: 800 1.1rem/1.3 var(--display); color: var(--ink); }
.cmp__t td.num { text-align: right; }
.cmp__tot th, .cmp__tot td { font-weight: 700; border-top: 2px solid var(--ink); }
.cmp__t .bad { color: #8E2A1A; font-weight: 600; } .cmp__t .ok { color: var(--sage); font-weight: 600; }
.tag { display: block; font: 600 .74rem/1.3 var(--sans); letter-spacing: .08em; text-transform: uppercase; color: var(--gold-ink); }
.vers, .readers { list-style: none; padding: 0; margin: 18px 0; }
.vers li, .readers li { display: flex; justify-content: space-between; align-items: center; gap: 14px; flex-wrap: wrap; padding: 14px 0; border-bottom: 1px solid var(--rule); }
.vers li > span, .readers li > span { display: grid; }
.printbar { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; padding-top: 24px; }
.printbar p { margin: 0; }
.reader__note { background: var(--mist); padding: 10px 16px; border-radius: 10px; }
.cardwrap { padding: 24px 0 96px; }
.wcard { display: grid; grid-template-columns: 1fr 1fr; width: min(100%, 6.8in); margin: 0 auto 20px; border: 2px dashed var(--muted); border-radius: 6px; background: #fff; }
.wcard__side { padding: 18px 20px; min-height: 2.1in; }
.wcard__side + .wcard__side { border-left: 1px dotted var(--muted); }
.wcard__h { font: italic 400 1.1rem/1.35 var(--serif); color: var(--ink); }
.wcard__name { font: 400 1.05rem/1.3 var(--serif); }
.wcard__k { font: 600 .74rem/1.3 var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--gold-ink); margin: 10px 0 2px; }
.wcard__v { font-size: .95rem; margin: 0; overflow-wrap: anywhere; }
.wcard__foot { font-size: .72rem; color: var(--muted); margin: 14px 0 0; }

/* footer */
.foot { background: var(--ink); color: #C9D6E4; padding: 56px 0 0; font-size: .98rem; }
.foot__grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; padding-bottom: 36px; }
.foot__word { font: 800 1.5rem/1.2 var(--display); color: #fff; }
.foot nav { display: grid; gap: 6px; align-content: start; }
.foot nav a { color: #fff; text-decoration: none; }
.foot nav a:hover { color: var(--gold-2); text-decoration: underline; }
.foot__h { font: 600 .8rem/1.3 var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold-2); margin-bottom: 6px; }
.foot__base { border-top: 1px solid rgba(255, 255, 255, .16); padding: 20px 0 30px; display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; color: #C9D6E4; font-size: .92rem; }
.foot a { color: #fff; }
.foot__base p { margin: 0; }
.foot__indep { max-width: 52em; }

/* responsive */
@media (max-width: 1100px) {
  .nav { gap: 18px; }
  .strip__free { display: none; }
}
@media (max-width: 960px) {
  .nav, .mast__cta { display: none; }
  .menu { display: block; }
  .hero__grid { grid-template-columns: 1fr; min-height: 0; }
  .hero__panel { padding: 56px 20px 60px; }
  .hero__art { padding: 48px 20px; }
  .split, .lockrow__grid, .begin { grid-template-columns: 1fr; gap: 36px; }
  .tiles__grid { grid-template-columns: 1fr 1fr; }
  .bands { grid-template-columns: 1fr; }
  .lockrow__art { width: 120px; height: 120px; }
  .price__grid--3 { grid-template-columns: 1fr; }
  .app { grid-template-columns: 1fr; gap: 20px; padding-top: 24px; }
  .rail { position: static; }
  .rail ol { grid-template-columns: 1fr 1fr; }
  .cards { grid-template-columns: 1fr 1fr; }
  .ovr { grid-template-columns: 1fr; }
  .begin__form { position: static; }
}
@media (max-width: 640px) {
  body { font-size: 1.06rem; }
  .wrap { width: calc(100% - 32px); }
  .strip__in { font-size: .84rem; align-items: flex-start; }
  .mast__in { min-height: 70px; }
  .mark__word { font-size: 1.4rem; }
  .mark__glyph { width: 32px; height: 32px; }
  .hero__panel { padding: 44px 16px 48px; }
  .hero__h { font-size: 2.7rem; }
  .hero__lede { font-size: 1.12rem; }
  .hero__acts .btn { width: 100%; }
  .hero__art { padding: 36px 16px; }
  .gauge { width: 100%; grid-template-columns: 110px 1fr; padding: 20px; gap: 6px 16px; }
  .gauge__ring { width: 110px; height: 110px; }
  .gauge__mid strong { font-size: 1.8rem; }
  .wallet { width: 92%; margin-top: -18px; }
  .sheet { padding: 26px 20px 22px; }
  .tiles { padding: 40px 0; }
  .quote__in { grid-template-columns: 1fr; gap: 0; }
  .quote__mark { font-size: 5rem; }
  .tiles__grid, .price__grid, .how, .cards, .nevers__list, .foot__grid { grid-template-columns: 1fr; }
  .quote { padding: 64px 0 48px; }
  .split { padding: 56px 0; }
  .lockrow { padding: 56px 0; }
  .letter { padding: 34px 20px 26px; font-size: 1rem; }
  .letter__dl { grid-template-columns: 1fr; gap: 0; }
  .letter__dl dd { margin-bottom: 8px; }
  .letter .ledger__grp { display: none; }
  .lines__head { display: none; }
  .line { grid-template-columns: 1fr 1fr; padding: 12px; background: var(--mist); border-radius: 10px; }
  .line__l, .line__s { grid-column: 1 / -1; }
  .form--inline { grid-template-columns: 1fr; }
  .rail ol { grid-template-columns: 1fr; }
  .wcard { grid-template-columns: 1fr; }
  .wcard__side + .wcard__side { border-left: 0; border-top: 1px dotted var(--muted); }
  .band__in { padding: 0 16px; }
}

/* print: the letter and the card only */
@media print {
  @page { margin: 16mm; }
  body { background: #fff; font-size: 11pt; }
  .strip, .mast, .foot, .noprint, .printbar, .rail, .skip { display: none !important; }
  .wrap { width: 100%; }
  .letter { box-shadow: none; padding: 0; max-width: none; font-size: 11.5pt; }
  .letter__fold { display: none; }
  .letter__part { break-inside: avoid; }
  .ledger { break-inside: auto; }
  .ledger tr { break-inside: avoid; }
  .sheetwrap, .cardwrap { padding: 0; }
  .wcard { border-color: #000; }
  a { color: inherit; text-decoration: none; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }

/* ---------- v1.2.0: AdEngine banner (adengine.us) ----------
   One labelled slot between the main content and the footer, on the public content pages only (the controllers opt in).
   The label and the reserved height are on the <ins>, so when tag.js (or ae-size.js) hides a slot it cannot fill, the
   label, the reserved space and the space below go with it. 110px = 16px label + 4px gap + 90px banner; 270px on phones
   (300x250). Every ad page ends with its own bottom padding, and the dark footer has no top margin, so the space below the
   slot sits on the <ins>. display stays in this file and is never !important: tag.js hides a slot with style.display='none'. */
.ae-slot { padding: 0 20px; }
.ae-slot ins.adengine { display: block; max-width: 728px; min-height: 110px; margin: 0 auto clamp(40px, 6vw, 56px); text-align: center; text-decoration: none; }
.ae-slot ins.adengine::before { content: "Advertisement"; display: block; margin-bottom: 4px; font: 600 11px/16px var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.ae-slot ins.adengine a { display: inline-block; vertical-align: top; }
.ae-slot:has(> ins.adengine[style*="none"]) { display: none; }
@media (max-width: 767px) { .ae-slot ins.adengine { max-width: 300px; min-height: 270px; } }
@media print { .ae-slot { display: none; } }