/* Mass Surcharge Appeal — shared styles */
:root{
  --accent:#1F6FEB;
  --accent-dark:#1551b5;
  --accent-soft:#e8f0fe;
  --ink:#11161f;
  --body:#2b3340;
  --muted:#5b6675;
  --line:#e2e6ec;
  --bg:#ffffff;
  --bg-alt:#f6f8fb;
  --ok:#1a7f4b;
  --warn:#b54708;
  --maxw:1080px;
  --radius:12px;
  --shadow:0 1px 3px rgba(16,22,31,.06),0 8px 24px rgba(16,22,31,.06);
  font-synthesis:none;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;color:var(--body);background:var(--bg);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.6;-webkit-font-smoothing:antialiased;overflow-wrap:break-word;
}
h1,h2,h3,h4,p,li,summary{overflow-wrap:break-word}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;margin:0 0 .5em}
h1{font-size:2.4rem;letter-spacing:-.02em}
h2{font-size:1.7rem;letter-spacing:-.01em;margin-top:0}
h3{font-size:1.18rem}
p{margin:0 0 1rem}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.narrow{max-width:760px}

/* top bar */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(140%) blur(8px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:16px;min-height:64px;padding-top:8px;padding-bottom:8px}
.brand{font-weight:800;color:var(--ink);font-size:1.12rem;letter-spacing:-.02em;white-space:nowrap;flex:0 0 auto}
.brand b{color:var(--accent)}
.nav{display:flex;gap:15px;margin-left:auto;align-items:center;flex-wrap:nowrap}
.nav a{color:var(--body);font-weight:500;font-size:.9rem;white-space:nowrap}
.nav a:hover{color:var(--accent);text-decoration:none}
.nav .btn{margin-left:4px}
.menu-toggle{display:none}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:600;
  padding:12px 22px;border-radius:10px;border:1px solid var(--accent);cursor:pointer;
  font-size:1rem;transition:.15s;text-align:center}
.btn:hover{background:var(--accent-dark);border-color:var(--accent-dark);text-decoration:none;color:#fff}
.btn.ghost{background:#fff;color:var(--accent)}
.btn.ghost:hover{background:var(--accent-soft);color:var(--accent-dark)}
.btn.lg{padding:15px 30px;font-size:1.08rem}

/* hero */
.hero{background:linear-gradient(180deg,var(--accent-soft),#fff);
  border-bottom:1px solid var(--line);padding:72px 0 64px}
.hero .eyebrow{display:inline-block;background:#fff;border:1px solid var(--line);
  color:var(--accent);font-weight:600;font-size:.82rem;padding:5px 12px;border-radius:999px;
  margin-bottom:18px;letter-spacing:.02em}
.hero h1{max-width:760px}
.hero .lede{font-size:1.22rem;color:var(--muted);max-width:640px;margin-bottom:26px}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero .note{font-size:.85rem;color:var(--muted);margin-top:14px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero-grid .hero h1,.hero-copy h1{max-width:none}
.hero-allie{width:100%}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}}

/* sections */
section{padding:54px 0}
.section-alt{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{color:var(--accent);font-weight:700;text-transform:uppercase;letter-spacing:.08em;
  font-size:.78rem;margin-bottom:8px}

/* cards / grids */
.grid{display:grid;gap:20px}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:24px;box-shadow:var(--shadow)}
.card h3{margin-top:0}
.card .num{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;
  border-radius:9px;background:var(--accent-soft);color:var(--accent);font-weight:800;margin-bottom:12px}

/* lists */
ul.check{list-style:none;padding:0;margin:0}
ul.check li{position:relative;padding:7px 0 7px 30px}
ul.check li::before{content:"";position:absolute;left:0;top:13px;width:16px;height:16px;
  border-radius:50%;background:var(--accent-soft);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 16 16'%3E%3Cpath fill='%231F6FEB' d='M6.5 11.2 3.3 8l1.1-1.1 2.1 2.1 4.9-4.9L12.6 5z'/%3E%3C/svg%3E")}

/* table */
table.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);overflow:hidden;font-size:.96rem}
table.tbl th,table.tbl td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line)}
table.tbl th{background:var(--bg-alt);color:var(--ink);font-weight:700}
table.tbl tr:last-child td{border-bottom:none}

/* callouts */
.callout{border-left:4px solid var(--accent);background:var(--accent-soft);
  padding:16px 18px;border-radius:0 10px 10px 0;margin:18px 0}
.callout.warn{border-left-color:var(--warn);background:#fdf3ec}
.deadline{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:18px 20px;box-shadow:var(--shadow);margin:20px 0}
.deadline .big{font-size:2rem;font-weight:800;color:var(--accent);line-height:1}

/* steps */
ol.steps{counter-reset:s;list-style:none;padding:0;margin:0}
ol.steps li{position:relative;padding:0 0 22px 52px;border-left:2px solid var(--line);margin-left:16px}
ol.steps li:last-child{border-left-color:transparent}
ol.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:-17px;top:-2px;
  width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;
  display:flex;align-items:center;justify-content:center}
ol.steps h3{margin:0 0 4px}

/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;padding:0 18px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;color:var(--ink);padding:16px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--accent);font-weight:700;font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq details p{padding:14px 0}

/* pricing */
.tiers{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;max-width:760px;margin:0 auto}
.tier{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;
  box-shadow:var(--shadow);display:flex;flex-direction:column}
.tier.feature{border-color:var(--accent);box-shadow:0 8px 30px rgba(31,111,235,.16)}
.tier .price{font-size:2.6rem;font-weight:800;color:var(--ink);margin:6px 0}
.tier .price span{font-size:1rem;color:var(--muted);font-weight:500}
.tier .tag{align-self:flex-start;background:var(--accent);color:#fff;font-size:.72rem;font-weight:700;
  padding:4px 10px;border-radius:999px;text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px}
.tier ul.check{margin:14px 0 22px;flex:1}
.tier .btn{margin-top:auto}

/* form */
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;color:var(--ink);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--line);
  border-radius:10px;font-size:1rem;font-family:inherit;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--accent-soft);border-color:var(--accent)}
.result-box{background:var(--accent-soft);border:1px solid #cfe0fd;border-radius:var(--radius);padding:22px;margin-top:22px}
.result-box .amount{font-size:2.4rem;font-weight:800;color:var(--accent);line-height:1}

/* footer */
.site-foot{background:var(--ink);color:#c3ccd9;padding:46px 0 30px;font-size:.92rem}
.site-foot a{color:#dce4f0}
.site-foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px;margin-bottom:26px}
.site-foot h4{color:#fff;font-size:.95rem;margin-bottom:10px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{padding:3px 0}
.compliance{border-top:1px solid #2a3340;padding-top:20px;font-size:.8rem;color:#8c97a8;line-height:1.6}
.compliance strong{color:#aeb9c8}
.adv-flag{display:inline-block;border:1px solid #2a3340;border-radius:6px;padding:2px 8px;
  font-size:.72rem;letter-spacing:.04em;text-transform:uppercase;color:#8c97a8;margin-bottom:10px}

/* misc */
.lede{font-size:1.15rem;color:var(--muted)}
.center{text-align:center}
.mt0{margin-top:0}.mb0{margin-bottom:0}
.pill{display:inline-block;background:var(--accent-soft);color:var(--accent);font-weight:600;
  font-size:.8rem;padding:3px 10px;border-radius:999px}
hr.div{border:none;border-top:1px solid var(--line);margin:36px 0}
.src{font-size:.8rem;color:var(--muted)}

@media(max-width:1024px){
  .nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;
    align-items:flex-start;padding:16px 22px;border-bottom:1px solid var(--line);gap:14px}
  .nav a{font-size:1rem}
  .nav.open{display:flex}
  .menu-toggle{display:block;margin-left:auto;background:none;border:1px solid var(--line);
    border-radius:8px;padding:8px 12px;font-size:1.1rem;cursor:pointer}
}
@media(max-width:820px){
  h1{font-size:1.95rem}h2{font-size:1.45rem}
  .grid.cols-2,.grid.cols-3,.tiers,.site-foot .cols{grid-template-columns:1fr}
  .hero{padding:48px 0 40px}.hero .lede{font-size:1.08rem}
}

/* print — used by the binder */
@media print{
  .site-head,.site-foot,.no-print{display:none!important}
  body{color:#000}
  .page-break{page-break-before:always}
  a{color:#000;text-decoration:none}
}