/* Coverwise — editorial-trust design system (light). CSS-var driven, responsive. */
:root{
  --ink:#14302a; --ink2:#46615a; --muted:#728a82;
  --bg:#f6f1e6; --surface:#ffffff; --surface2:#eef4ef; --line:#e4ddcc;
  --pri:#16614a; --pri-d:#0f4636; --pri-soft:#e3efe9;
  --accent:#b5853a; --accent-d:#9a6f2c;
  --good:#1d7a5a; --bad:#b04a3a;
  --serif:"Fraunces",Georgia,serif; --sans:"Public Sans",system-ui,sans-serif; --mono:"Spline Sans Mono",ui-monospace,monospace;
  --maxw:1140px; --pad:clamp(16px,4vw,28px);
  --r:14px; --r-lg:22px; --r-sm:9px;
  --sh:0 1px 2px rgba(20,48,42,.05),0 12px 32px -16px rgba(20,48,42,.18);
  --sh-lg:0 24px 60px -28px rgba(20,48,42,.34);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);
  font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--pri);text-decoration:none}
a:hover{color:var(--pri-d)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.12;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5.4vw,3.5rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,3.4vw,2.2rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1rem}
.wrap{max-width:var(--maxw);margin:0 auto;padding-inline:var(--pad)}
.narrow{max-width:760px;margin-inline:auto}
.center{text-align:center}
.muted{color:var(--muted);font-size:.92rem}
.eyebrow{display:inline-block;font-family:var(--sans);font-weight:700;font-size:.74rem;
  letter-spacing:.14em;text-transform:uppercase;color:var(--accent-d);margin-bottom:.7rem}
.eyebrow a{color:var(--accent-d)}
.hl{color:var(--pri);font-style:italic;font-family:var(--serif)}
.linkish{color:var(--pri);font-weight:600}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;justify-content:center;
  font-family:var(--sans);font-weight:600;font-size:.98rem;border-radius:999px;
  padding:.78em 1.4em;cursor:pointer;border:1.5px solid transparent;transition:.16s;white-space:nowrap}
.btn-pri{background:var(--pri);color:#fff;box-shadow:0 8px 22px -12px rgba(22,97,74,.7)}
.btn-pri:hover{background:var(--pri-d);color:#fff;transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--pri);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--pri);background:var(--surface)}
.btn-sm{padding:.55em 1.05em;font-size:.9rem}

/* trust strip */
.trust-strip{background:var(--pri-d);color:#dcefe6}
.trust-in{display:flex;flex-wrap:wrap;gap:.55em 1em;justify-content:center;
  padding:9px 0;font-size:.8rem;font-weight:500;letter-spacing:.01em}
.trust-in span:nth-child(even){opacity:.5}

/* nav */
.nav{position:sticky;top:0;z-index:40;background:rgba(246,241,230,.86);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:inline-flex;align-items:center;gap:.5em;font-family:var(--serif);
  font-weight:700;font-size:1.32rem;color:var(--ink)}
.brand .logo{display:grid;place-items:center;width:30px;height:30px;border-radius:9px;
  background:linear-gradient(135deg,var(--pri),var(--accent));color:#fff;font-size:.95rem}
.brand b{font-weight:700;color:var(--pri)}
.nav-links{display:flex;align-items:center;gap:1.4rem}
.nav-links a{color:var(--ink2);font-weight:600;font-size:.96rem}
.nav-links a:hover{color:var(--pri)}
.nav-links a.btn{color:#fff}
.menu-btn{display:none;flex-direction:column;gap:4px;background:none;border:0;cursor:pointer;padding:8px}
.menu-btn span{width:22px;height:2px;background:var(--ink);border-radius:2px;transition:.2s}

/* hero */
.hero{padding:clamp(2.4rem,6vw,4.6rem) 0 clamp(1.6rem,4vw,3rem)}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(1.6rem,4vw,3.4rem);align-items:center}
.hero-tx .lead{font-size:1.16rem;color:var(--ink2);max-width:36ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:.7rem;margin:1.3rem 0 .8rem}
.hero-note{font-size:.85rem;color:var(--muted)}
.hero-art{position:relative}
.hero-ph{display:block;border-radius:var(--r-lg);box-shadow:var(--sh-lg);aspect-ratio:5/4}

/* images / fallback */
.ph{position:relative;display:block;overflow:hidden;background-size:cover;background-position:center;background-color:var(--surface2)}
.ph img{width:100%;height:100%;object-fit:cover;display:block}

/* quote console (signature element) */
.quote{max-width:880px;margin:clamp(.5rem,3vw,1.6rem) auto 0;padding-inline:var(--pad)}
.console{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--sh-lg);overflow:hidden}
.console-bar{display:flex;align-items:center;gap:.6rem;padding:13px 18px;
  background:linear-gradient(180deg,var(--pri),var(--pri-d));color:#eafff6}
.console-bar .lock{font-size:.95rem}
.console-ttl{font-weight:700;font-size:.92rem;letter-spacing:.01em}
.console-rail{margin-left:auto;display:flex;gap:5px}
.console-rail i{width:26px;height:5px;border-radius:3px;background:rgba(255,255,255,.28)}
.console-rail i.on{background:var(--accent)}
.console-body{padding:clamp(18px,3.4vw,30px)}
.q-kicker{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-d);margin-bottom:.3rem}
.q-title{font-family:var(--serif);font-size:1.45rem;margin-bottom:1.1rem}
.opt-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:.7rem}
.opt{display:flex;align-items:center;gap:.7rem;text-align:left;background:var(--surface);
  border:1.5px solid var(--line);border-radius:var(--r);padding:.85rem 1rem;cursor:pointer;
  font-family:var(--sans);font-size:1rem;color:var(--ink);transition:.15s;width:100%}
.opt:hover{border-color:var(--pri);background:var(--pri-soft);transform:translateY(-1px)}
.opt.sel{border-color:var(--pri);background:var(--pri-soft);box-shadow:inset 0 0 0 1px var(--pri)}
.opt .oi{font-size:1.4rem;line-height:1}
.opt .ot{display:flex;flex-direction:column}
.opt .ot b{font-weight:600}.opt .ot em{font-style:normal;font-size:.82rem;color:var(--muted)}
.q-field{margin:.2rem 0 1rem}
.q-field label{display:block;font-weight:600;font-size:.92rem;margin-bottom:.35rem}
.q-field input,.q-field select{width:100%;font-family:var(--sans);font-size:1rem;color:var(--ink);
  background:var(--surface);border:1.5px solid var(--line);border-radius:var(--r-sm);padding:.7rem .8rem}
.q-field input:focus,.q-field select:focus,.opt:focus-visible{outline:2px solid var(--pri);outline-offset:1px}
.q-consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.86rem;color:var(--ink2);margin:.4rem 0 1rem}
.q-consent input{margin-top:.25rem}
.q-nav{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-top:1.1rem}
.q-back{background:none;border:0;color:var(--muted);font-family:var(--sans);font-weight:600;cursor:pointer;font-size:.9rem}
.q-back:hover{color:var(--ink)}
.fade-in{animation:fade .32s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
/* result */
.q-result{text-align:center}
.meter{font-family:var(--mono);font-size:clamp(2.4rem,7vw,3.6rem);font-weight:600;color:var(--pri);line-height:1}
.meter small{font-size:1rem;color:var(--muted);font-family:var(--sans)}
.q-range{font-family:var(--mono);color:var(--ink2);margin:.3rem 0 .2rem}
.q-result .est-note{font-size:.82rem;color:var(--muted);max-width:42ch;margin:.6rem auto 1rem}
.quote-disc{font-size:.82rem;color:var(--muted);text-align:center;max-width:60ch;margin:.9rem auto 0}

/* sections */
.section{padding:clamp(2.2rem,5vw,3.8rem) 0}
.section.alt{background:var(--surface2);border-block:1px solid var(--line)}
.section-head{text-align:center;max-width:60ch;margin:0 auto clamp(1.3rem,3vw,2rem)}
.section-head p{color:var(--ink2)}

/* coverage grid */
.cov-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:.9rem}
.cov-card{display:flex;align-items:center;gap:.9rem;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r);padding:1rem 1.1rem;box-shadow:var(--sh);transition:.16s}
.cov-card:hover{transform:translateY(-3px);border-color:var(--pri);box-shadow:var(--sh-lg)}
.cov-ic{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;
  background:var(--pri-soft);font-size:1.4rem;flex:none}
.cov-ic.big{width:54px;height:54px;font-size:1.7rem;display:inline-grid;vertical-align:middle;margin-right:.3rem}
.cov-tx{display:flex;flex-direction:column;flex:1}
.cov-tx strong{font-weight:600;color:var(--ink)}
.cov-tx em{font-style:normal;font-size:.84rem;color:var(--muted)}
.cov-go{color:var(--accent-d);font-size:1.2rem;transition:.16s}
.cov-card:hover .cov-go{transform:translateX(3px)}

/* steps3 */
.steps3{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.2rem}
.step3{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;box-shadow:var(--sh)}
.s3-n{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--pri);
  color:#fff;font-family:var(--serif);font-weight:700;margin-bottom:.7rem}
.step3 p{color:var(--ink2);font-size:.95rem;margin:0}

/* why band */
.why-in{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(1.6rem,4vw,3rem);align-items:center}
.why-ph{border-radius:var(--r-lg);box-shadow:var(--sh-lg);aspect-ratio:4/3}
.ticks{list-style:none;padding:0;margin:0 0 1.4rem}
.ticks li{position:relative;padding-left:1.7rem;margin-bottom:.6rem;color:var(--ink2)}
.ticks li::before{content:"✓";position:absolute;left:0;top:0;color:var(--good);font-weight:700;
  background:var(--pri-soft);width:1.2rem;height:1.2rem;border-radius:50%;display:grid;place-items:center;font-size:.72rem}

/* guides */
.guide-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.1rem}
.guide-grid.wide{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.guide-card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;box-shadow:var(--sh);transition:.16s}
.guide-card:hover{transform:translateY(-3px);box-shadow:var(--sh-lg)}
.guide-ph{aspect-ratio:16/9}
.guide-bd{display:flex;flex-direction:column;gap:.4rem;padding:1.05rem 1.1rem 1.2rem}
.guide-bd strong{font-family:var(--serif);font-size:1.08rem;font-weight:600;color:var(--ink);line-height:1.25}
.guide-bd span{font-size:.9rem;color:var(--ink2)}
.guide-bd .linkish{margin-top:.2rem;font-size:.88rem}

/* page head */
.page-head{padding:clamp(2rem,4.5vw,3.2rem) 0 0}
.page-head .sub{font-size:1.1rem;color:var(--ink2);max-width:60ch}
.cov-head-in{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(1.4rem,4vw,2.6rem);align-items:center;padding-bottom:clamp(1.4rem,3vw,2.2rem)}
.cov-ph{border-radius:var(--r-lg);box-shadow:var(--sh-lg);aspect-ratio:4/3}
.price-chip{display:inline-block;font-family:var(--mono);font-weight:600;background:var(--pri-soft);
  color:var(--pri-d);border-radius:999px;padding:.4em 1em;margin:.4rem 0 1.1rem;font-size:.95rem}

/* cards / cols */
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.5rem 1.6rem;box-shadow:var(--sh)}
.card h2{font-size:1.3rem;margin-bottom:.9rem}
.factors{margin:0;padding-left:1.1rem;color:var(--ink2)}
.factors li{margin-bottom:.45rem}
.cov-two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.cklist{list-style:none;margin:0;padding:0;font-size:.93rem}
.cklist li{position:relative;padding-left:1.5rem;margin-bottom:.5rem;color:var(--ink2)}
.cklist li.yes::before{content:"✓";color:var(--good)}
.cklist li.no::before{content:"✕";color:var(--bad)}
.cklist li::before{position:absolute;left:0;font-weight:700}

/* cta band */
.cta-band{display:flex;align-items:center;justify-content:space-between;gap:1.4rem;flex-wrap:wrap;
  background:linear-gradient(120deg,var(--pri),var(--pri-d));color:#eafff6;border-radius:var(--r-lg);
  padding:clamp(1.4rem,3vw,2.2rem)}
.cta-band h2{color:#fff;margin-bottom:.3rem}
.cta-band p{color:#cde9df;margin:0}

/* calculator */
.calc-wrap{display:grid;grid-template-columns:1.4fr .9fr;gap:1.4rem;align-items:start}
.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.5rem;box-shadow:var(--sh)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.calc label{display:flex;flex-direction:column;font-weight:600;font-size:.92rem;gap:.3rem}
.calc .hint{font-weight:400;font-size:.78rem;color:var(--muted)}
.inp{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:var(--r-sm);background:var(--surface);overflow:hidden}
.inp span{padding:0 .2rem 0 .7rem;color:var(--muted)}
.inp input{border:0;outline:0;padding:.65rem .7rem;font-family:var(--mono);font-size:1rem;width:100%;background:none;color:var(--ink)}
.calc-out{position:sticky;top:84px;background:var(--pri);color:#eafff6;border-radius:var(--r-lg);padding:1.6rem;text-align:center;box-shadow:var(--sh-lg)}
.co-k{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:#a7d8c7}
.co-v{display:block;font-family:var(--mono);font-size:clamp(2rem,6vw,2.8rem);font-weight:600;margin:.3rem 0}
.co-sub{display:block;font-size:.85rem;color:#cde9df;min-height:1.2em;margin-bottom:1rem}
.calc-out .btn-pri{background:var(--accent);color:#1c1303}
.calc-out .btn-pri:hover{background:var(--accent-d);color:#fff}
.co-disc{font-size:.76rem;color:#a7d8c7;margin:.9rem 0 0}

/* prose / article */
.article{padding:clamp(2rem,4.5vw,3.4rem) 0 0}
.art-ph{border-radius:var(--r-lg);box-shadow:var(--sh);aspect-ratio:16/9;margin:1.2rem 0 1.6rem}
.prose{font-size:1.05rem;color:var(--ink2)}
.prose h2{font-size:1.4rem;color:var(--ink);margin:1.8rem 0 .6rem}
.prose p{margin-bottom:1.1rem}
.prose a{font-weight:600;text-decoration:underline;text-underline-offset:2px}
.prose.legal h2{font-size:1.2rem}
.art-cta{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;
  background:var(--surface2);border:1px solid var(--line);border-radius:var(--r);padding:1.2rem 1.4rem;margin:2rem 0 .5rem}
.art-cta strong{font-family:var(--serif);font-size:1.15rem}

/* contact form */
.cform{display:flex;flex-direction:column;gap:.9rem;max-width:480px;margin:1rem 0}
.cform label{display:flex;flex-direction:column;font-weight:600;font-size:.9rem;gap:.35rem}
.cform input,.cform textarea{font-family:var(--sans);font-size:1rem;padding:.7rem .8rem;
  border:1.5px solid var(--line);border-radius:var(--r-sm);background:var(--surface);color:var(--ink)}

/* ───── AD SLOTS: label ALWAYS below the ad box, every device ───── */
.ad-slot{display:flex;flex-direction:column;align-items:stretch;gap:8px;
  max-width:970px;margin:clamp(22px,4vw,34px) auto}
.ad-box{order:1;min-height:280px;display:flex;align-items:center;justify-content:center;
  background:repeating-linear-gradient(135deg,var(--surface2),var(--surface2) 11px,#e7eee9 11px,#e7eee9 22px);
  border:1px dashed var(--line);border-radius:var(--r);overflow:hidden}
.ad-box>div[id^="gpt-"]{width:100%;min-height:90px;display:flex;align-items:center;justify-content:center}
.ad-label{order:2;text-align:center;font-size:11px;font-weight:600;letter-spacing:.16em;
  text-transform:uppercase;color:var(--muted)}
.ad-note{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}

/* footer */
.foot{background:var(--pri-d);color:#cfe7dd;padding:clamp(2.2rem,5vw,3.4rem) 0 2rem;margin-top:1rem}
.foot a{color:#cfe7dd}.foot a:hover{color:#fff}
.foot .brand{color:#fff}.foot .brand b{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:1.6rem}
.foot-brand .disc{font-size:.85rem;color:#a9cabe;margin-top:.8rem;max-width:42ch}
.foot-links h4{font-family:var(--sans);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:#8fb6a8;margin:0 0 .7rem}
.foot-links a{display:block;font-size:.92rem;margin-bottom:.45rem}
.copyright{border-top:1px solid rgba(255,255,255,.12);margin-top:1.8rem;padding-top:1.2rem;
  font-size:.8rem;color:#9cc0b3;max-width:90ch}

/* responsive */
@media(max-width:880px){
  .menu-btn{display:flex}
  .nav-links{position:absolute;top:66px;left:0;right:0;flex-direction:column;align-items:stretch;
    gap:0;background:var(--bg);border-bottom:1px solid var(--line);padding:.5rem 0;display:none;box-shadow:var(--sh)}
  .nav-links.open{display:flex}
  .nav-links a{padding:.85rem var(--pad)}
  .nav-links a.btn{margin:.5rem var(--pad);justify-content:center}
  .hero-in,.why-in,.cov-head-in,.calc-wrap{grid-template-columns:1fr}
  .why-art{order:-1}
  .cols2,.calc-grid,.cov-two{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .calc-out{position:static}
}
@media(max-width:520px){
  .foot-grid{grid-template-columns:1fr}
  .opt-grid{grid-template-columns:1fr 1fr}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}