[id]{scroll-margin-top:84px}
.sr-only{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.hcard{padding:16px;gap:10px;border-radius:22px}
.hcard h2{font-size:clamp(20px,1.8vw,24px)}
.hcard .btn{width:100%}
.hcard .form-note,.hcard .form-error{margin:0}

.hcard .field label{margin-bottom:4px}
.step legend{font-size:15px;font-weight:600;line-height:1.3;padding:0;margin-bottom:10px}
.row2{display:grid;grid-template-columns:1fr 112px;gap:10px}
.form-done:focus{outline:none}
.form-done h3{font-size:24px;margin-bottom:8px}
.form-done p{margin:0 0 10px;color:var(--ink-soft)}
/* compact hero form (Steve 10/6: was 2x too big) */
.hcard{padding:14px 16px 12px;gap:8px;max-width:533px;width:100%}
@media (min-width:960px){.hcard{justify-self:end;align-self:start;padding:18px 20px 14px;gap:10px}}
.hcard .fhead{display:flex;align-items:baseline;justify-content:space-between;gap:8px}
.hcard h2{font-size:19px;letter-spacing:-.01em}
.hcard .step-count{font-size:12px;white-space:nowrap}
.hcard .step{gap:8px}
.hcard .pair{display:grid;grid-template-columns:1fr;gap:8px}
.hcard .field label{font-size:13px;margin-bottom:3px}
.hcard .field input{min-height:44px;padding:9px 12px;font-size:16px;border-radius:10px}
.hcard .btn{min-height:46px}
.hcard .form-note{font-size:12px;text-align:center}
.hcard .chips{gap:6px}.hcard .chips legend{font-size:13px;margin-bottom:6px}
.hcard .chips span{font-size:14px;padding:0 12px}
.hcard .step legend{font-size:14px;font-weight:600}
.hcard .form-error:empty{display:none}
.footer .cols{display:grid;gap:32px;margin-top:32px}
@media (min-width:800px){.footer .cols{grid-template-columns:1.2fr 1fr 1fr}}
.footer h3{color:#fff;font-size:16px;margin-bottom:10px}
.footer p,.footer ul{margin:0;padding:0;list-style:none;display:grid;gap:6px}
.fine{margin-top:40px;font-size:13px;color:rgba(255,255,255,.7)}

/* ===== layout: nav (4 items; collapses into Menu below 1000px) ===== */
.nav-links{display:none}
.nav-menu{position:static}
.nav-menu summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:8px;min-height:40px;padding:0 14px;border-radius:var(--pill);font-size:14px;font-weight:600}
.nav-menu summary::-webkit-details-marker{display:none}
.nav-menu summary:hover{background:rgba(255,255,255,.14)}
.nav.scrolled .nav-menu summary:hover{background:var(--fog)}
.menu-panel{position:fixed;top:64px;right:12px;width:min(320px,calc(100vw - 24px));max-height:calc(100vh - 80px);overflow:auto;background:#fff;color:var(--ink);border-radius:20px;box-shadow:0 20px 60px rgba(0,0,0,.3);padding:8px;display:grid}
.menu-panel a{display:flex;align-items:center;min-height:48px;padding:0 16px;border-radius:12px;font-weight:500;text-decoration:none;color:var(--ink)}
.menu-panel a:hover{background:var(--fog)}
.menu-panel a.mq{background:var(--cta);color:#fff;justify-content:center;font-weight:600;margin-top:6px}
.menu-panel a.mq:hover{background:var(--cta-hover)}
@media (min-width:1000px){
 .nav-links{display:flex}.nav-menu{display:none}
 .nav-links a{padding:10px clamp(8px,.8vw,14px);font-size:14px;white-space:nowrap}
}
@media (max-width:640px){.nav-menu summary span{display:none}.nav-menu summary{padding:0 12px}}
@media (max-width:520px){.nav-cta .btn{display:none}}
@media (max-width:360px){.brand span{display:none}}

/* ===== breadcrumbs ===== */
.crumbs{padding:18px 0 0;font-size:14px;color:var(--ink-soft)}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 8px}
.crumbs li+li::before{content:"/";margin-right:8px;color:var(--ink-mute)}
.crumbs a{color:var(--ink-soft);text-decoration:underline;text-underline-offset:3px;display:inline-block;padding:6px 0}
.crumbs [aria-current]{color:var(--ink)}

/* ===== page hero (all non-home pages) ===== */
.phero .hero-card{min-height:0;justify-content:flex-start;background:linear-gradient(160deg,var(--blue-deep),var(--blue))}
.phero .hero-card>picture img{object-position:center 30%}
.phero h1{color:#fff;max-width:22ch}
.phero .lede{margin:0;color:rgba(255,255,255,.9)}
.phero .eyebrow{font-size:13px}
.phero .hero-copy{display:grid;gap:14px;justify-items:start}
.hbtns{display:flex;flex-wrap:wrap;gap:10px;margin-top:6px}
.byline{margin:0;font-size:15px;color:rgba(255,255,255,.88)}

/* ===== prose ===== */
.main-wrap{padding-bottom:clamp(56px,8vw,112px)}
.prose{max-width:72ch}
.sec{padding:clamp(32px,4.5vw,64px) 0 0}
.sec h2{font-size:clamp(26px,3.2vw,38px);margin-bottom:14px;max-width:24ch}
.sec h3{margin:24px 0 8px}
.prose p,.sec>p{margin:0 0 14px;color:var(--ink-soft)}
.prose ul,.prose ol{margin:0 0 16px;padding-left:22px;color:var(--ink-soft);display:grid;gap:6px}
.prose strong{color:var(--ink)}
.prose blockquote{margin:18px 0;padding:6px 0 6px 18px;border-left:4px solid var(--green);color:var(--ink)}
.prose img{border-radius:var(--radius-sm);margin:16px 0}
.tbl{width:100%;border-collapse:collapse;font-size:15px;margin:8px 0}
.tbl th,.tbl td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tbl th{background:var(--fog);font-weight:600}
.table-scroll{margin:12px 0 18px}

/* ===== related / link blocks ===== */
.block{padding:clamp(44px,6vw,88px) 0 0}
.block>h2{font-size:clamp(26px,3.2vw,38px);margin-bottom:8px;max-width:26ch}
.block>.lede{margin:0 0 20px}
.chiprow{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}
.chiprow a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border-radius:var(--pill);background:var(--fog);text-decoration:none;font-size:15px;font-weight:500;color:var(--ink)}
.chiprow a:hover{background:var(--blue-soft)}
.rel{background:var(--fog);border-radius:var(--radius);padding:clamp(20px,3vw,28px);margin-top:clamp(28px,4vw,44px)}
.rel h2{font-size:20px;margin-bottom:12px;letter-spacing:-.01em}
.agrid{display:grid;gap:8px;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));list-style:none;margin:0;padding:0}
.agrid a{display:flex;align-items:center;min-height:52px;padding:10px 16px;border:1px solid var(--line);border-radius:var(--radius-sm);text-decoration:none;font-weight:500;background:#fff}
.agrid a:hover{border-color:var(--green);background:var(--blue-soft)}
.cgrid{display:grid;gap:12px;margin:0;padding:0;list-style:none}
@media (min-width:640px){.cgrid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:960px){.cgrid{grid-template-columns:repeat(3,1fr)}}
.pcard{display:flex;flex-direction:column;height:100%;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;background:#fff}
.pcard:hover{border-color:var(--green)}
.pcard img{aspect-ratio:16/10;object-fit:cover;width:100%}
.pcard .pb{padding:18px 20px 22px;display:grid;gap:10px;align-content:start}
.pcard h3{font-size:19px}
.pcard .tag{justify-self:start}
.pcard .jd{font-size:13px;color:var(--ink-soft)}
.tag{font-size:12px;font-weight:600;padding:4px 10px;border-radius:var(--pill);background:var(--blue-soft);color:var(--blue)}
.pager{display:flex;flex-wrap:wrap;gap:8px;margin:32px 0 0;align-items:center}
.pager a,.pager span{display:inline-flex;align-items:center;justify-content:center;min-height:44px;min-width:44px;padding:0 14px;border-radius:var(--pill);border:1px solid var(--line);text-decoration:none;font-weight:500}
.pager a:hover{background:var(--fog)}
.pager [aria-current]{background:var(--blue);color:#fff;border-color:var(--blue)}
.citygrp{display:grid;gap:8px;padding:16px 0;border-bottom:1px solid var(--line)}
.citygrp h3{font-size:20px}

/* ===== FAQ block ===== */
.faqblk{max-width:860px}
.faqblk .faq{margin-top:12px}

/* ===== quote section (bottom form) + CTA band ===== */
.qsec{margin-top:clamp(40px,6vw,72px)}
.qpanel{border-radius:var(--radius);padding:clamp(24px,4vw,56px);display:grid;gap:28px;background:linear-gradient(160deg,var(--blue-deep),var(--night));color:#fff}
.qpanel h2{color:#fff;max-width:14ch}
.qpanel .lede{color:rgba(255,255,255,.9);margin:12px 0 18px}
.qpanel .qcopy{align-content:center}
.qpanel .hcard{max-width:533px;width:100%;justify-self:start}
@media (min-width:900px){.qpanel{grid-template-columns:1fr minmax(0,533px);align-items:center}.qpanel .hcard{justify-self:end}}
.ctaband{margin-top:clamp(40px,6vw,72px);border-radius:var(--radius);padding:clamp(28px,5vw,56px);background:linear-gradient(160deg,var(--blue-deep),var(--night));color:#fff;display:grid;gap:18px}
.ctaband h2{color:#fff;max-width:18ch}
.ctaband p{margin:0;color:rgba(255,255,255,.9);max-width:56ch}

/* ===== footer additions ===== */
.footer .cols{margin-top:28px}
@media (min-width:800px){.footer .cols{grid-template-columns:1.3fr .8fr 1fr 1.2fr}}
.footer .fine{margin-top:36px}
.footer p,.footer ul{display:grid}
.footer .legal{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:14px;font-size:13px}
.footer a{display:inline-block;padding:3px 0}
.footer .legal a{color:rgba(255,255,255,.85)}

/* ===== wide layouts (Steve 10/6: use the screen) ===== */
.nav{gap:clamp(12px,2vw,28px)}
.pill{padding:clamp(7px,.7vw,10px)}
.brand{padding:6px 16px 6px 8px}
.nav-cta{gap:clamp(6px,.8vw,12px);padding-left:clamp(10px,1vw,16px)}
.split{display:grid;gap:clamp(24px,4vw,72px);margin-top:8px}
.split-main{min-width:0}
.split-side{display:grid;gap:16px;align-content:start;margin-top:clamp(32px,4.5vw,64px)}
.split-side .rel{margin:0}
.split-side .chiprow{flex-direction:column;align-items:stretch}
.split-side .chiprow a{border-radius:var(--radius-sm)}
.sidecard{border-radius:var(--radius);padding:24px;display:grid;gap:12px;background:linear-gradient(160deg,var(--blue-deep),var(--night));color:#fff}
.sidecard h2{font-size:24px;color:#fff}
.sidecard p{margin:0;color:rgba(255,255,255,.9);font-size:16px}
@media (min-width:1100px){
 .split{grid-template-columns:minmax(0,1fr) 380px}
 .split-side{position:sticky;top:96px}
}
.citygrid{display:grid;gap:0 clamp(24px,3vw,48px);grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
@media (min-width:1280px){
 .cgrid{grid-template-columns:repeat(4,1fr)}
 .grid.pillars{grid-template-columns:repeat(4,1fr)}
}
@media (min-width:960px){
 .home-hero-fix{}
 .phero .hero-card{min-height:clamp(440px,52vh,600px);justify-content:flex-end}
}

/* full bleed (Steve 10/7): hero card inset --hero-pad, pills inset by hero-pad + card radius */
.hero,.phero{padding:var(--hero-pad)}

/* ===== G1: text on images gets its own dark backing (Steve audit 10/6) ===== */
.on-dark .eyebrow{background:rgba(10,11,28,.88);color:#fff;border:1px solid rgba(255,255,255,.22)}
.trust,.byline{text-shadow:none}
/* ===== hub + legal ===== */
.hubgrid{display:grid;gap:clamp(16px,2vw,28px);margin-top:clamp(32px,4.5vw,64px);grid-template-columns:1fr}
@media (min-width:760px){.hubgrid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1180px){.hubgrid{grid-template-columns:repeat(3,1fr)}}
.hubcard{border:1px solid var(--line);border-radius:var(--radius);padding:clamp(20px,2.4vw,32px)}
.hubcard .sec{padding:0}
.hubcard .sec h2{font-size:clamp(22px,2vw,28px);max-width:none}
.hubcard ul{list-style:none;padding:0;margin:0;display:grid;gap:2px}
.hubcard li{line-height:2.1}
.hubcard li a{display:inline;font-weight:500}

.phero.light .hero-card::after,.phero.has-form .hero-card::after{background-blend-mode:normal}
.nav:not(.scrolled) .pill{background:rgba(16,17,38,.62)}

/* ===== Guardian brand overrides ===== */
.nav .pill:first-child,.nav:not(.scrolled) .pill:first-child{background:rgba(255,255,255,.96);color:var(--ink)}
.brand{padding:4px 14px 4px 10px}
.footer .brandline{margin-top:14px;font-size:14px}
.footer .lic{margin-top:10px}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--gray)}
.hero-copy .hbtns{margin-top:2px}
.qpanel,.sidecard,.ctaband{background:linear-gradient(160deg,var(--blue-deep),var(--night))}
.phero .hero-card{background:linear-gradient(160deg,var(--blue-deep),var(--blue))}
@media (max-width:420px){.brand span{display:none}}

.brand{padding:2px 10px 2px 6px}
.nav .pill:first-child{padding:5px}
.brand img{width:56px;height:28px}

/* QA 10/7: 44px tap targets at 390px (breadcrumb, header tel, menu) */
.crumbs a{display:inline-flex;align-items:center;min-height:44px;padding:0 4px}
.nav .tel,.nav-menu summary{min-height:44px;min-width:44px}