:root{--brand:#1b3a5b;--accent:#c8102e;--ink:#13202b;--muted:#5b6b78;--bg:#f6f8fa;--card:#fff;--line:#e4e9ee}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font:16px/1.55 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
h1,h2,h3{line-height:1.2;color:var(--ink)}
h1{font-size:clamp(1.7rem,4vw,2.6rem);font-weight:800}
h2{font-size:clamp(1.3rem,3vw,1.9rem);margin-bottom:.6rem}
h3{font-size:1.15rem;margin:1.2rem 0 .4rem}
p{margin:.5rem 0;color:var(--ink)}
a{color:var(--brand)}
section{padding:clamp(1.4rem,4vw,3rem) clamp(1rem,5vw,4rem)}
.site-head{display:flex;justify-content:space-between;align-items:center;padding:.7rem clamp(1rem,5vw,4rem);background:var(--brand);position:sticky;top:0;z-index:50}
.brand{color:#fff;font-weight:800;text-decoration:none;font-size:1.05rem;display:flex;align-items:center;gap:.5rem}
.brand-mark{background:var(--accent);color:#fff;border-radius:8px;padding:.25rem .5rem;font-size:.85rem;letter-spacing:.5px}
.logo{height:34px;width:34px;background:#fff;border-radius:9px;padding:3px;vertical-align:middle;flex:0 0 auto}
body[data-audience="senior"] .logo{height:40px;width:40px}
.callbtn{background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:.5rem .9rem;border-radius:8px;white-space:nowrap}
.brand-name{display:inline}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.7rem;cursor:pointer;line-height:1}
.site-nav{display:flex;align-items:center;gap:1.1rem}
.site-nav>a{color:#fff;text-decoration:none;font-weight:600;font-size:.95rem}
.site-nav>a:hover{opacity:.82}
.nav-cta{background:var(--accent);padding:.45rem .85rem;border-radius:8px}
.nav-dd{position:relative}
.nav-dd>a{color:#fff;text-decoration:none;font-weight:600;font-size:.95rem;padding:.55rem 0;display:inline-block}
.nav-dd .dd{visibility:hidden;opacity:0;transform:translateY(8px);transition:opacity .18s ease,transform .18s ease,visibility .18s;position:absolute;top:calc(100% + 8px);left:50%;margin-left:-130px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 24px 60px rgba(10,25,40,.28),0 4px 14px rgba(10,25,40,.12);min-width:260px;padding:.55rem;z-index:60}
.nav-dd .dd::before{content:"";position:absolute;top:-7px;left:50%;margin-left:-7px;width:14px;height:14px;background:#fff;border-left:1px solid var(--line);border-top:1px solid var(--line);transform:rotate(45deg)}
.nav-dd:hover .dd,.nav-dd:focus-within .dd{visibility:visible;opacity:1;transform:translateY(0)}
.nav-dd .dd a{display:block;color:var(--ink);text-decoration:none;font-size:.9rem;font-weight:500;padding:.55rem .8rem;border-radius:9px;line-height:1.3}
.nav-dd .dd a:hover{background:var(--bg);color:var(--brand);padding-left:1rem}
@media(max-width:1080px){.nav-dd .dd{position:static;visibility:visible;opacity:1;transform:none;box-shadow:none;border:0;background:transparent;padding:.1rem 0 .1rem .9rem;min-width:0;margin-left:0}
.nav-dd .dd::before{display:none}
.nav-dd .dd a{color:#cfe0ee;padding:.3rem 0}.nav-dd .dd a:hover{background:transparent;padding-left:.2rem}}
@media(max-width:1080px){
  .nav-toggle{display:block}
  .site-head{flex-wrap:wrap}
  .site-nav{display:none;flex-basis:100%;flex-direction:column;align-items:flex-start;gap:.55rem;padding:.9rem 0 .4rem}
  body.nav-open .site-nav{display:flex;max-height:calc(100vh - 72px);overflow-y:auto;-webkit-overflow-scrolling:touch}
  .site-nav>a:not(.nav-cta):not(.callbtn),.nav-dd>a{padding:.3rem 0;font-size:1rem}
  .site-nav>a.nav-cta{margin-top:.3rem}
  .brand-name{font-size:.95rem}
}
.foot-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;max-width:1100px;margin:0 auto 1.4rem}
.foot-col .foot-h{color:#fff;font-size:.95rem;margin-bottom:.5rem;font-weight:700}
.foot-col a{display:block;color:#cfe0ee;text-decoration:none;font-size:.85rem;padding:.16rem 0}
.foot-col a:hover{color:#fff}
.foot-col p{color:#9fb1c0;font-size:.85rem;margin:.16rem 0}
.foot-col p a{display:inline}
@media(max-width:700px){.foot-cols{grid-template-columns:1fr 1fr;gap:1.6rem 1.2rem}}
@media(max-width:480px){.foot-cols{grid-template-columns:1fr;gap:1.5rem}.foot-col a{padding:.3rem 0;font-size:.92rem}}
.hero{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(1.2rem,4vw,3rem);align-items:start;background:linear-gradient(180deg,#fff,var(--bg));position:relative}
/* pin the two hero columns explicitly on desktop so a stray in-flow child
   (e.g. an absolutely-positioned badge losing its `absolute`) can never
   push the funnel card onto a second row */
@media(min-width:821px){.hero>.hero-copy{grid-column:1;grid-row:1;min-width:0}.hero>.funnel-wrap{grid-column:2;grid-row:1}}
.hero.hero-metro{background-size:cover;background-position:center bottom;background-repeat:no-repeat}
.hero.hero-metro::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,16,26,.46),rgba(8,16,26,.62));pointer-events:none}
/* lift hero children above the ::before overlay — but NEVER the badge:
   .hero.hero-metro>* is (0,2,0) and silently beat .metro-badge's (0,1,0)
   position:absolute, turning the badge into a grid item that consumed the
   first column and pushed the funnel card below the copy */
.hero.hero-metro>*:not(.metro-badge){position:relative;z-index:1}
.hero.hero-metro h1,.hero.hero-metro .sub{color:#fff}
.hero.hero-metro h1{text-shadow:0 2px 14px rgba(0,0,0,.5)}
.hero.hero-metro .sub{color:#e8f0f7;text-shadow:0 1px 8px rgba(0,0,0,.5)}
@media(max-width:820px){.hero.hero-metro::before{background:linear-gradient(180deg,rgba(8,16,26,.58),rgba(8,16,26,.74))}}
.hero.hero-metro .props li{background:rgba(255,255,255,.94)}
.hero.hero-metro .trust span{background:rgba(255,255,255,.92)}
.metro-badge{position:absolute;top:1rem;left:clamp(1rem,5vw,4rem);z-index:2;background:rgba(255,255,255,.14);backdrop-filter:blur(6px);border:1px solid rgba(255,255,255,.35);color:#fff;border-radius:30px;padding:.4rem 1rem;font-weight:700;font-size:.92rem;display:flex;gap:.55rem;align-items:center}
.metro-badge .mb-serving{opacity:.75;font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em}
.metro-badge .mb-stat{opacity:.8;font-weight:500;font-size:.78rem;border-left:1px solid rgba(255,255,255,.4);padding-left:.55rem}
@media(max-width:700px){.metro-badge .mb-stat{display:none}}
.hero.hero-metro{padding-top:4rem}
/* ===== subpage layout: title band + content-left / sticky funnel-right ===== */
.page-title{background:linear-gradient(135deg,var(--brand),#0d1f33);padding:clamp(1.6rem,4vw,2.6rem) clamp(1rem,5vw,4rem);position:relative}
.page-title h1{color:#fff;max-width:880px}
.page-title .sub{color:#c9d8e6;margin-top:.4rem;font-size:1.02rem;max-width:70ch}
.page-title.hero-metro{background-size:cover;background-position:center;padding-top:4rem}
.page-title.hero-metro::before{content:"";position:absolute;inset:0;background:rgba(8,16,26,.6)}
.page-title.hero-metro>*:not(.metro-badge){position:relative}
/* belt-and-suspenders: re-assert badge positioning at (0,2,0)+ specificity,
   after every hero-metro child rule, so it can never re-enter the flow */
.hero.hero-metro>.metro-badge,.page-title.hero-metro>.metro-badge{position:absolute;z-index:2}
.subpage{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:clamp(1.2rem,3vw,2.4rem);align-items:start;max-width:1200px;margin:0 auto}
.sp-main{min-width:0}
/* comfortable reading measure for prose inside the main column */
.sp-main p,.sp-main ul,.sp-main ol,.sp-main h2,.sp-main h3,.sp-main details{max-width:70ch}
.sp-main h2{margin-top:1.6rem}
.sp-main>h2:first-child{margin-top:0}
.sp-main ul{margin:.5rem 0 1rem 1.2rem}
.sp-main ul li{margin:.3rem 0}
.sp-main ol:not(.steps){margin:.5rem 0 1rem 1.4rem}
.sp-main .calc-grid{margin-top:0}
.sp-main .calc.pro{padding:1.2rem;border:1px solid var(--line);border-radius:14px}
.sp-aside{position:sticky;top:76px}
@media(max-width:920px){.subpage{grid-template-columns:1fr}.sp-aside{position:static;order:-1}}
.hero-copy .sub{font-size:1.1rem;color:var(--muted);margin:1rem 0 1.4rem;max-width:38ch}
.props{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:.7rem;margin:1rem 0}
.props li{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:.7rem .8rem;display:flex;flex-direction:column}
.props b{color:var(--brand);font-size:.98rem}
.props span{color:var(--muted);font-size:.85rem}
.trust{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1rem;font-size:.82rem;color:var(--muted)}
.trust span{background:#fff;border:1px solid var(--line);border-radius:20px;padding:.3rem .75rem;display:inline-flex;align-items:center;gap:.4rem}
.trust .ti{width:1rem;height:1rem;flex:0 0 auto;color:var(--brand)}
body[data-audience="senior"] .trust .ti{width:1.15rem;height:1.15rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;box-shadow:0 10px 30px rgba(20,40,60,.08)}
.funnel{padding:1.3rem}
.funnel .f-progress{height:6px;background:var(--line);border-radius:6px;overflow:hidden;margin-bottom:1rem}
.funnel .f-bar{height:100%;background:var(--accent);width:0;transition:width .3s}
.funnel h3{margin:.2rem 0 1rem;font-size:1.2rem}
.funnel .opt{display:block;width:100%;text-align:left;padding:.85rem 1rem;margin:.45rem 0;border:1.5px solid var(--line);border-radius:11px;background:#fff;font-size:1rem;cursor:pointer;transition:.15s}
.funnel .opt:hover{border-color:var(--brand);background:#f3f7fb}
.funnel .opt.sel{border-color:var(--accent);background:#fff5f5}
.funnel input{width:100%;padding:.8rem 1rem;border:1.5px solid var(--line);border-radius:11px;font-size:1rem;margin:.4rem 0;box-sizing:border-box}
.funnel .row{display:flex;gap:.6rem}
.funnel .row input{flex:1 1 0;min-width:0;width:auto}
.funnel input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px color-mix(in srgb,var(--brand) 14%,transparent)}
.funnel .consent input[type=checkbox]{width:1.05rem;height:1.05rem;margin:.15rem 0 0;flex:0 0 auto}
.funnel .consent span{line-height:1.45}
@media(max-width:380px){.funnel .row{flex-direction:column;gap:0}}
.funnel .consent{font-size:.76rem;color:var(--muted);margin:.7rem 0 .5rem;display:flex;gap:.55rem;align-items:flex-start;text-align:left}
.btn-primary{background:var(--accent);color:#fff;border:0;border-radius:11px;padding:.9rem 1.2rem;font-size:1.05rem;font-weight:700;cursor:pointer;width:100%}
.btn-primary.big{width:auto;padding:1rem 2rem}
.f-back{background:none;border:0;color:var(--muted);cursor:pointer;font-size:.9rem;margin-top:.6rem}
.f-done{text-align:center;padding:1rem}
.f-done .check{font-size:2.4rem}
.funnel-wrap{position:relative;min-width:0}
.funnel.card{border:2px solid var(--accent);box-shadow:0 16px 40px rgba(200,16,46,.18)}
.f-badge{display:inline-block;background:var(--accent);color:#fff;font-weight:800;font-size:.72rem;letter-spacing:.08em;padding:.3rem .7rem;border-radius:20px;margin-bottom:.7rem}
.f-badge.sm{font-size:.66rem;margin-bottom:.6rem}
.f-title{font-size:1.45rem;font-weight:800;margin:.2rem 0 .4rem;color:var(--ink)}
.f-sub{color:var(--muted);font-size:1rem;margin-bottom:.8rem}
.f-bullets{list-style:none;margin:.6rem 0 1rem;padding:0}
.f-bullets li{padding:.35rem 0 .35rem 1.7rem;position:relative;font-size:.98rem}
.f-bullets li:before{content:"✓";position:absolute;left:0;color:#1a9c54;font-weight:800}
.btn-primary.big-cta{font-size:1.15rem;padding:1.05rem 1.2rem}
.f-micro{text-align:center;color:var(--muted);font-size:.78rem;margin-top:.7rem}
.funnel-call{display:block;text-align:center;margin-top:.7rem;font-weight:700;color:var(--brand);text-decoration:none;font-size:1rem;background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:.7rem 1rem;box-shadow:0 6px 18px rgba(10,25,40,.12)}
.funnel-call:hover{text-decoration:none;border-color:var(--brand);box-shadow:0 8px 22px rgba(10,25,40,.18)}
.slots{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin-top:.6rem}
.slot{padding:.7rem;border:1.5px solid var(--brand);background:#fff;color:var(--brand);border-radius:10px;font-weight:700;cursor:pointer;font-size:.92rem}
.slot:hover{background:var(--brand);color:#fff}
.slot.taken{border-color:var(--line);color:#aab4bd;background:#f3f5f7;cursor:not-allowed;text-decoration:line-through;font-weight:500}
.calc-section{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:1.2rem;margin-top:1rem}
.calc{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:1.2rem}
.calc h3{margin-top:0;color:var(--brand)}
.calc.pro>h3{font-size:clamp(1.45rem,2.6vw,1.9rem);font-weight:800;line-height:1.25;color:var(--ink);padding-bottom:.7rem;margin-bottom:.4rem;border-bottom:3px solid var(--accent)}
.calc-sub{display:block;font-size:.95rem;font-weight:500;color:var(--muted);margin-top:.3rem}
body[data-audience="senior"] .calc.pro>h3{font-size:clamp(1.6rem,2.8vw,2.1rem)}
body[data-audience="senior"] .calc-sub{font-size:1.05rem}
.calc label{display:block;font-size:.85rem;color:var(--muted);margin-top:.7rem}
.calc input,.calc select{width:100%;padding:.6rem .7rem;border:1.5px solid var(--line);border-radius:9px;font-size:1rem;margin-top:.2rem}
.calc .result{margin-top:1rem;padding:1rem;background:#fff;border:1px dashed var(--brand);border-radius:11px}
.calc .result .big{font-size:1.7rem;font-weight:800;color:var(--accent)}
.calc.pro{background:#fff;padding:1.4rem;grid-column:1/-1}
/* auto-fit: collapses to one column whenever the container (not viewport) is
   narrow — handles both phones and the narrow .sp-main column on tool pages */
.calc2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:1.4rem;margin-top:.6rem}
.calc2 .ci label{display:block;font-size:.85rem;color:var(--muted);margin:.6rem 0 .1rem;font-weight:600}
.calc2 .ci .chk{display:flex;align-items:center;gap:.5rem;font-weight:500;color:var(--ink);margin-top:.7rem}
.calc2 .ci .chk input{width:auto}
.calc2 .sl{display:flex;gap:.6rem;align-items:center}
.calc2 .sl input[type=range]{flex:1 1 110px;min-width:0;accent-color:var(--accent)}
.calc2 .sl input[type=number]{width:7.5rem;flex:0 0 auto}
@media(max-width:420px){.calc2 .sl input[type=number]{width:6.2rem}}
.cr{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:1.1rem;display:flex;flex-direction:column}
.hl{text-align:center;margin-bottom:.6rem}
.hl-l{display:block;font-size:.82rem;color:var(--muted)}
.hl-v{display:block;font-size:2.1rem;font-weight:800;color:var(--accent);line-height:1.1}
.hl-s{display:block;font-size:.82rem;color:var(--ink);margin-top:.2rem}
.donut-wrap{display:flex;gap:1rem;align-items:center;justify-content:center;margin:.4rem 0 .6rem;flex-wrap:wrap}
.donut{width:110px;height:110px;flex:0 0 auto}
.donut-legend .lg{display:flex;align-items:center;gap:.4rem;font-size:.8rem;margin:.2rem 0}
.donut-legend .lg span{width:.8rem;height:.8rem;border-radius:3px;display:inline-block}
.cr .bd{width:100%;border-collapse:collapse;font-size:.88rem;margin-top:.3rem}
.cr .bd td{padding:.4rem 0;border-bottom:1px solid var(--line)}
.cr .bd td:last-child{text-align:right;font-weight:700;color:var(--ink)}
.cr .cta{margin-top:.9rem;text-decoration:none;text-align:center}
.debt-adv{margin:.4rem 0 .2rem;border:1px dashed var(--line);border-radius:10px;padding:.45rem .7rem;background:#fbfcfd}
.debt-adv summary{cursor:pointer;font-size:.85rem;font-weight:700;color:var(--brand);padding:.2rem 0}
.di-grid{display:grid;grid-template-columns:1fr 1fr;gap:.4rem .7rem;margin-top:.5rem}
.di-grid .di{font-size:.78rem;color:var(--muted);font-weight:600;margin:0}
.di-grid input{margin-top:.15rem}
.di-total{margin-top:.55rem;font-size:.82rem;color:var(--ink)}
@media(max-width:480px){.di-grid{grid-template-columns:1fr}}
.cr .bd td:first-child{padding-right:.6rem}
.cr .bd td:last-child{white-space:nowrap}
.content,.faq{max-width:880px;margin:0 auto}
.content ul{margin:.5rem 0 .5rem 1.2rem}
.content h2{margin-top:1.5rem}
.content h2:first-child{margin-top:0}
.content p,.content ul{max-width:70ch}
.article-hero{width:100%;height:auto;border-radius:14px;margin:0 0 1rem;display:block}
.content .lead{font-size:1.15rem;color:var(--ink);font-weight:500}
.guide-cta{background:#fff;border:1.5px solid var(--accent);border-radius:12px;padding:.9rem 1.1rem;margin:1.2rem 0}
.steps{list-style:none;counter-reset:s;padding:0;margin:1rem 0}
.steps li{counter-increment:s;position:relative;padding:.9rem 1rem .9rem 3.2rem;background:#fff;border:1px solid var(--line);border-radius:12px;margin:.6rem 0}
.steps li:before{content:counter(s);position:absolute;left:.9rem;top:.9rem;width:1.7rem;height:1.7rem;background:var(--accent);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.95rem}
.citygrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,150px),1fr));gap:.5rem;margin-top:.8rem}
.citygrid a{background:#fff;border:1px solid var(--line);border-radius:9px;padding:.55rem .7rem;text-decoration:none;font-size:.92rem;color:var(--brand);line-height:1.3}
.citygrid a:hover{border-color:var(--brand)}
/* collapsible link directory (site map's 254-county grid) */
.bigmap,.sp-main .bigmap{border:1px solid var(--line);border-radius:12px;background:#fff;margin:1rem 0;max-width:none}
.bigmap>summary{cursor:pointer;font-weight:700;font-size:1.05rem;color:var(--brand);padding:.85rem 1rem;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:.6rem}
.bigmap>summary::-webkit-details-marker{display:none}
.bigmap>summary::after{content:"+";font-size:1.3rem;font-weight:800;color:var(--accent);line-height:1}
.bigmap[open]>summary::after{content:"\2212"}
.bigmap>summary .hint{font-weight:500;font-size:.82rem;color:var(--muted);margin-left:auto}
.bigmap .citygrid{padding:0 1rem 1rem;margin-top:0}
.faq details,.sp-main details:not(.debt-adv):not(.bigmap),.content details:not(.debt-adv):not(.bigmap){background:#fff;border:1px solid var(--line);border-radius:12px;padding:.45rem 1.05rem;margin:.6rem 0;box-shadow:0 2px 10px rgba(15,30,45,.06);transition:box-shadow .15s,border-color .15s;max-width:none}
.faq details:hover,.sp-main details:not(.debt-adv):not(.bigmap):hover{border-color:var(--brand);box-shadow:0 4px 16px rgba(15,30,45,.1)}
.faq details[open],.sp-main details:not(.debt-adv):not(.bigmap)[open],.content details:not(.debt-adv):not(.bigmap)[open]{border-left:4px solid var(--accent);padding-left:calc(1.05rem - 3px)}
.faq summary,.sp-main details:not(.debt-adv) summary,.content details:not(.debt-adv) summary{cursor:pointer;font-weight:600;padding:.55rem 0;color:var(--ink)}
.faq details p,.sp-main details p,.content details p{color:var(--muted);padding-bottom:.5rem;margin-top:.2rem}
.rate-section{padding-top:1rem;padding-bottom:1rem}
.ratewidget{max-width:880px;margin:0 auto;padding:1.1rem 1.3rem}
.rate-head{font-weight:800;color:var(--brand);font-size:1.1rem;margin-bottom:.5rem}
.rate-head small{color:var(--muted);font-weight:600;font-size:.8rem}
.rate-row{display:flex;align-items:baseline;justify-content:space-between;gap:.6rem;padding:.5rem 0;border-bottom:1px solid var(--line);flex-wrap:wrap}
.rate-row .rl{flex:1 1 50%;color:var(--ink)}
.rate-row .rv{font-size:1.35rem;font-weight:800;color:var(--accent)}
.rate-row .ra{color:var(--muted);font-size:.82rem;flex-basis:100%;text-align:right}
.rate-compare{margin-top:.6rem;font-size:.9rem;color:var(--ink)}
.rate-disc{margin-top:.6rem;font-size:.72rem;color:var(--muted);line-height:1.4}
.cta-band{background:var(--brand);color:#fff;text-align:center}
.cta-band h2{color:#fff}.cta-band p{color:#dde6ee}
.cta-band .btn-primary{margin-top:1rem}
.site-foot{background:#0d1b27;color:#9fb1c0;font-size:.82rem;padding:2rem clamp(1rem,5vw,4rem)}
.site-foot a{color:#cfe0ee}.legal{color:#7d92a3;margin-top:.5rem;font-size:.76rem}
@media(max-width:820px){
  /* stack the hero: headline + subhead first for context, then the funnel
     (the conversion centerpiece) right beneath, then props + trust badges */
  .hero{grid-template-columns:1fr;gap:.4rem}
  .hero-copy{display:contents}
  .hero-copy .sub{margin:.7rem 0 .9rem}
  .funnel-wrap{order:2;margin:.3rem 0 .5rem}
  .props{order:3;grid-template-columns:1fr 1fr;margin:.5rem 0}
  .trust{order:4;margin-top:.4rem}
}

/* ===== Senior-friendly mode (older/veteran audience): larger, higher contrast ===== */
body[data-audience="senior"]{font-size:18.5px;--muted:#41525f}
body[data-audience="senior"] h1{font-size:clamp(2rem,4.6vw,3rem)}
body[data-audience="senior"] .hero-copy .sub{font-size:1.3rem;max-width:42ch}
body[data-audience="senior"] .callbtn{font-size:1.15rem;padding:.7rem 1.15rem}
body[data-audience="senior"] .brand{font-size:1.2rem}
body[data-audience="senior"] .props b{font-size:1.08rem}
body[data-audience="senior"] .props span{font-size:.95rem;color:#41525f}
body[data-audience="senior"] .f-title{font-size:1.7rem}
body[data-audience="senior"] .f-sub{font-size:1.15rem}
body[data-audience="senior"] .f-bullets li{font-size:1.12rem;padding:.5rem 0 .5rem 1.9rem}
body[data-audience="senior"] .funnel .opt{font-size:1.15rem;padding:1.05rem 1.1rem;border-width:2px}
body[data-audience="senior"] .funnel input{font-size:1.15rem;padding:1rem}
body[data-audience="senior"] .btn-primary{font-size:1.25rem;padding:1.1rem 1.3rem}
body[data-audience="senior"] .btn-primary.big-cta{font-size:1.35rem;padding:1.2rem}
body[data-audience="senior"] .funnel-call{font-size:1.2rem;padding:.85rem 1rem;border-width:2px;margin-top:.9rem}
body[data-audience="senior"] .f-micro{font-size:.92rem}
body[data-audience="senior"] .calc label{font-size:.98rem}
body[data-audience="senior"] .calc input,body[data-audience="senior"] .calc select{font-size:1.15rem;padding:.8rem}
body[data-audience="senior"] .faq summary{font-size:1.1rem}
body[data-audience="senior"] p,body[data-audience="senior"] .content{font-size:1.08rem;line-height:1.7}
body[data-audience="senior"] .sp-aside{top:84px}

/* ===== mid-width desktop: compress the nav so it never wraps or overflows ===== */
@media(min-width:1081px) and (max-width:1340px){
  .site-nav{gap:.7rem}
  .site-nav>a,.nav-dd>a{font-size:14px}
  .site-nav>a[href="/"]{display:none}
  .callnum{display:none}
  .site-nav .callbtn{font-size:14px;padding:.5rem .7rem}
  .brand-name{font-size:15px}
  .nav-cta{padding:.45rem .75rem}
}
/* senior mode renders ~16% larger type — keep nav compressed up to 1500px */
@media(min-width:1341px) and (max-width:1500px){
  body[data-audience="senior"] .site-nav{gap:.8rem}
  body[data-audience="senior"] .site-nav>a,body[data-audience="senior"] .nav-dd>a{font-size:15px}
  body[data-audience="senior"] .site-nav>a[href="/"]{display:none}
  body[data-audience="senior"] .callnum{display:none}
  body[data-audience="senior"] .site-nav .callbtn{font-size:15px;padding:.55rem .8rem}
  body[data-audience="senior"] .brand-name{font-size:16px}
}
/* small phones: single-column value props for senior mode; tame big CTAs */
@media(max-width:480px){
  body[data-audience="senior"] .props{grid-template-columns:1fr}
  body[data-audience="senior"] h1{font-size:clamp(1.8rem,7vw,2.2rem)}
  .btn-primary.big{width:100%;padding:1rem 1.2rem}
}

/* ===== Background treatments (zero-request: data-URI SVG + gradients) =======
   Site-wide lone-star texture + a distinct treatment per zone, all derived
   from --brand/--accent so each site stays on-palette. Every rule keeps an
   opaque base (or sits over one), patterns are 3-7% opacity, and color-mix()
   failures simply degrade to the original flat look. Metro-photo heroes are
   excluded via :not(.hero-metro); their inline background-image still wins. */
/* whisper-faint lone-star field over --bg so no page reads flat white */
body{background-image:url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='128'%20height='128'%3E%3Cg%20fill='%23204a66'%20fill-opacity='.05'%3E%3Cpath%20transform='translate(10,8),scale(.5)'%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'/%3E%3Cpath%20transform='translate(78,70),scale(.32)'%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'/%3E%3C/g%3E%3C/svg%3E")}
/* home/county hero: soft brand glow behind the funnel card, accent warmth at
   the lower-left, and one large outline star tucked behind the card corner */
.hero:not(.hero-metro){background-image:url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='36,31,28,27'%3E%3Cpath%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'%20fill='none'%20stroke='%232a4d6e'%20stroke-opacity='.08'%20stroke-width='.7'%20stroke-linejoin='round'/%3E%3C/svg%3E"),radial-gradient(42rem 26rem at 84% -4rem,color-mix(in srgb,var(--brand) 9%,transparent),transparent 70%),radial-gradient(36rem 24rem at 0% 110%,color-mix(in srgb,var(--accent) 7%,transparent),transparent 70%),linear-gradient(180deg,#fff,var(--bg));background-repeat:no-repeat;background-position:right -7rem top -5rem,0 0,0 0,0 0;background-size:24rem auto,auto,auto,auto}
/* subpage title band: diagonal sheen + accent glow + lone-star watermark */
.page-title:not(.hero-metro){background-image:url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='36,31,28,27'%3E%3Cpath%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'%20fill='none'%20stroke='%23fff'%20stroke-opacity='.12'%20stroke-width='.7'%20stroke-linejoin='round'/%3E%3C/svg%3E"),linear-gradient(115deg,transparent 44%,rgba(255,255,255,.05) 44%,rgba(255,255,255,.05) 58%,transparent 58%),radial-gradient(50rem 30rem at 88% -12rem,color-mix(in srgb,var(--accent) 26%,transparent),transparent 65%),linear-gradient(135deg,var(--brand) 0%,color-mix(in srgb,var(--brand) 72%,#091628) 58%,#0d1f33 100%);background-repeat:no-repeat;background-position:right -4rem center,0 0,0 0,0 0;background-size:auto 175%,auto,auto,auto}
/* rate + calculator sections: soft brand-tinted top edge fading to base */
.rate-section{background-image:linear-gradient(180deg,color-mix(in srgb,var(--brand) 7%,transparent),transparent 8rem)}
.calc-section{background-image:linear-gradient(180deg,color-mix(in srgb,var(--brand) 5%,#fff),#fff 9rem)}
/* CTA band: radial accent glow from above, gentle vignette below, and a
   paired pair of corner stars bleeding off the edges */
.cta-band{background-image:url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='36,31,28,27'%3E%3Cpath%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'%20fill='none'%20stroke='%23fff'%20stroke-opacity='.12'%20stroke-width='.7'%20stroke-linejoin='round'/%3E%3C/svg%3E"),url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='36,31,28,27'%3E%3Cpath%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'%20fill='none'%20stroke='%23fff'%20stroke-opacity='.12'%20stroke-width='.7'%20stroke-linejoin='round'/%3E%3C/svg%3E"),radial-gradient(64rem 30rem at 50% -10rem,color-mix(in srgb,var(--accent) 30%,transparent),transparent 70%),radial-gradient(70rem 26rem at 50% 135%,rgba(0,0,0,.3),transparent 65%);background-repeat:no-repeat;background-position:left -5rem bottom -5rem,right -5rem top -5rem,0 0,0 0;background-size:15rem auto,15rem auto,auto,auto}
/* footer: faint white star field + a softly lit top edge */
.site-foot{background-image:url("data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20width='128'%20height='128'%3E%3Cg%20fill='%23fff'%20fill-opacity='.04'%3E%3Cpath%20transform='translate(10,8),scale(.5)'%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'/%3E%3Cpath%20transform='translate(78,70),scale(.32)'%20d='M50,33l2.9,9h9.5l-7.6,5.5,2.8,9-7.6-5.5-7.6,5.5,2.8-9-7.6-5.5h9.5z'/%3E%3C/g%3E%3C/svg%3E"),linear-gradient(180deg,#11202f,#0d1b27 16rem)}
/* conversion surfaces pop harder against the textured zones (accent-derived
   shadows replace the hardcoded red so both sites stay on-palette) */
.funnel.card{box-shadow:0 18px 44px color-mix(in srgb,var(--accent) 26%,transparent),0 3px 10px rgba(10,25,40,.08)}
.calc .result{box-shadow:0 8px 22px color-mix(in srgb,var(--brand) 13%,transparent)}
.ratewidget.card{box-shadow:0 12px 32px color-mix(in srgb,var(--brand) 14%,transparent)}