/* ProbateClock: one small stylesheet, no framework. */
:root{
  --ink:#1b2430; --muted:#5a6675; --line:#dfe4ea; --bg:#ffffff; --soft:#f5f7fa;
  --brand:#16466b; --brand-2:#0f7c74; --accent:#c7671a; --warn-bg:#fff7ea; --warn-line:#f0d9b5;
  --radius:10px; --max:1080px;
  --font: system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 var(--font);color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;height:auto}
a{color:var(--brand)}
a:hover{color:var(--brand-2)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}
.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}

/* Header */
.site-header{border-bottom:1px solid var(--line);background:#fff}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px;padding-top:14px;padding-bottom:14px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.15rem;color:var(--ink);text-decoration:none}
.logo svg{width:28px;height:28px}
.nav{display:flex;flex-wrap:wrap;gap:4px 18px;font-size:.95rem}
.nav a{text-decoration:none;color:var(--muted);padding:4px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink);border-bottom-color:var(--brand-2)}

/* Type */
h1,h2,h3{line-height:1.25;color:var(--ink)}
h1{font-size:clamp(1.7rem,3.5vw,2.4rem);margin:.2em 0 .4em}
h2{font-size:1.45rem;margin:1.8em 0 .6em}
h3{font-size:1.1rem;margin:1.4em 0 .4em}
.lede{font-size:1.15rem;color:var(--muted);max-width:46em}
.small{font-size:.875rem;color:var(--muted)}
main{padding:28px 0 48px}
.prose{max-width:46em}
.prose li{margin:.3em 0}

/* Hero + stat cards */
.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line);padding:32px 0 24px}
.updated{display:inline-block;font-size:.85rem;background:#e8f3f2;color:#0b5d57;border-radius:99px;padding:3px 12px;margin-bottom:8px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;margin:20px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px}
.card .label{font-size:.85rem;color:var(--muted);margin:0}
.card .value{font-size:2.1rem;font-weight:700;line-height:1.1;margin:6px 0 2px;color:var(--brand)}
.card .value small{font-size:1rem;font-weight:600;color:var(--muted)}
.card .delta{font-size:.82rem;color:var(--muted);margin:0}
.card.primary{border-color:var(--brand);box-shadow:0 1px 0 var(--brand)}
.grid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px}

/* Tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);margin:16px 0}
table{border-collapse:collapse;width:100%;font-size:.92rem}
th,td{text-align:left;vertical-align:top;padding:10px 12px;border-bottom:1px solid var(--line)}
thead th{background:var(--soft);font-weight:600;white-space:nowrap}
tbody tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.np{color:#8a6d3b;font-style:italic}
.lender-table th[scope=row]{min-width:150px}
.lender-table td{min-width:170px}

/* Lender cards (mobile-friendly alternative view) */
.lender{border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin:16px 0;background:#fff}
.lender h3{margin-top:0}
.lender dl{display:grid;grid-template-columns:minmax(140px,220px) 1fr;gap:6px 16px;margin:0}
.lender dt{color:var(--muted);font-size:.9rem}
.lender dd{margin:0}
@media (max-width:600px){.lender dl{grid-template-columns:1fr}.lender dt{margin-top:8px}}

/* Notices */
.notice{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:var(--radius);padding:14px 16px;margin:18px 0}
.notice p{margin:.3em 0}
.info{background:#eef5fb;border:1px solid #cfe1f0;border-radius:var(--radius);padding:14px 16px;margin:18px 0}

/* Chart */
.chart{border:1px solid var(--line);border-radius:var(--radius);padding:12px;background:#fff}
.chart svg{display:block;width:100%;height:auto}
.legend{display:flex;flex-wrap:wrap;gap:14px;font-size:.88rem;color:var(--muted);margin:6px 4px 0}
.legend span::before{content:"";display:inline-block;width:14px;height:3px;margin-right:6px;vertical-align:middle;background:currentColor}
.legend .l-all{color:var(--brand)} .legend .l-dig{color:var(--brand-2)} .legend .l-pap{color:var(--accent)}
details{margin:12px 0}
summary{cursor:pointer;color:var(--brand);font-weight:600}

/* Forms */
.form-row{display:flex;flex-direction:column;gap:4px;margin:0 0 14px}
label{font-weight:600;font-size:.95rem}
.hint{font-size:.85rem;color:var(--muted);font-weight:400}
input[type=text],input[type=email],input[type=number],select,textarea{font:inherit;min-width:0;padding:10px 12px;border:1px solid #b9c2cc;border-radius:8px;background:#fff;width:100%;max-width:420px}
textarea{max-width:600px;min-height:110px}
.check{display:flex;gap:8px;align-items:flex-start;font-weight:400}
.btn{display:inline-block;font:inherit;font-weight:600;background:var(--brand);color:#fff;border:0;border-radius:8px;padding:11px 18px;cursor:pointer;text-decoration:none}
.btn:hover{background:#0f3653;color:#fff}
.btn.secondary{background:#fff;color:var(--brand);border:1px solid var(--brand)}
.btn.small{padding:6px 10px;font-size:.85rem}
.form-msg{margin-top:10px;font-weight:600;color:#0b5d57}

/* Newsletter block */
.newsletter{background:var(--brand);color:#fff;border-radius:var(--radius);padding:24px;margin:36px 0}
.newsletter h2{color:#fff;margin-top:0}
.newsletter p{color:#dbe7f1}
.newsletter form{display:flex;flex-wrap:wrap;gap:10px;align-items:flex-end}
.newsletter input[type=email]{flex:1 1 240px;max-width:none;border-color:transparent}
.newsletter .btn{background:var(--accent)}
.newsletter .btn:hover{background:#a95512}
.newsletter .small{color:#c4d6e6}
.newsletter .form-msg{color:#fff}

/* Calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:28px}
.calc fieldset{min-width:0}
.calc select{max-width:100%}
@media (max-width:760px){.calc{grid-template-columns:minmax(0,1fr)}}
.calc fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px 4px;margin:0 0 16px}
.calc legend{font-weight:700;padding:0 6px}
.result{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:18px;position:sticky;top:12px}
.result .big{font-size:2rem;font-weight:700;color:var(--brand);margin:.1em 0}
.tag{display:inline-block;background:var(--warn-bg);border:1px solid var(--warn-line);color:#7a4b12;border-radius:99px;font-size:.78rem;font-weight:700;padding:2px 10px;text-transform:uppercase;letter-spacing:.03em}

/* Guides list */
.guide-list{list-style:none;padding:0;display:grid;gap:14px}
.guide-list li{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px}
.guide-list h3{margin:0 0 4px}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:6px}
.breadcrumb a{color:var(--muted)}

/* Footer */
.site-footer{background:#0f2233;color:#c9d5e0;padding:32px 0;font-size:.9rem;margin-top:40px}
.site-footer a{color:#fff}
.site-footer .cols{display:grid;grid-template-columns:2fr 1fr;gap:24px}
@media (max-width:700px){.site-footer .cols{grid-template-columns:1fr}}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:4px 0}
.disclaimer{border-top:1px solid #2a3f52;margin-top:20px;padding-top:16px;color:#a9b8c6}