/* ============================================================
   TPA — The Property Adjusters
   Claims-desk teal/navy pulled from the TPA monogram.
   Dark navy chrome (nav/hero/article-hero/cta/footer) → light body.
   ============================================================ */
:root{
  --bg:#F6F8FA; --bg2:#EEF2F5; --card:#FFFFFF;
  --line:rgba(11,31,51,.10); --line2:rgba(11,31,51,.18);
  --text:#12202E; --muted:#51616F; --faint:#7E8C98;
  --ink:#0B1F33; --ink2:#10293F; --ink-line:rgba(255,255,255,.09);
  --ink-text:#F1F5F8; --ink-muted:#A5B4C0;
  --teal:#0F6E7A; --teal-hot:#149AA8; --teal-deep:#0A4A55; --teal-soft:#E4F2F4;
  --grad:linear-gradient(135deg,#149AA8 0%,#0F6E7A 55%,#0A4A55 100%);
  --shadow:0 1px 2px rgba(11,31,51,.05),0 8px 22px rgba(11,31,51,.06);
  --glow:0 2px 4px rgba(11,31,51,.04),0 14px 40px rgba(20,154,168,.14);
  --radius:16px; --radius-sm:11px;
  --font:Inter,-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --display:"Avenir Next","Segoe UI",Inter,-apple-system,BlinkMacSystemFont,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);background:var(--bg);color:var(--text);font-size:17px;line-height:1.75;overflow-x:hidden}
main,header,footer{position:relative;z-index:1}
img,video{max-width:100%;display:block}
a{color:var(--text);text-decoration:none}
::selection{background:rgba(20,154,168,.25)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:820px;margin:0 auto;padding:0 24px}
.small{font-size:.92rem;color:var(--muted)}
.eyebrow{display:block;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;font-weight:800;color:var(--teal);margin-bottom:.5rem}
.kicker{font-size:.74rem;letter-spacing:.24em;text-transform:uppercase;font-weight:800;color:var(--teal-hot)}
h1,h2,h3,h4{font-family:var(--display);letter-spacing:-.02em;line-height:1.15;color:inherit}
h1{font-size:clamp(2.2rem,4.8vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.45rem,2.6vw,2rem);font-weight:800;margin:2.4rem 0 .9rem}
h3{font-size:1.15rem;font-weight:800;margin:1.6rem 0 .5rem}
p+p{margin-top:.95rem}
.lede{font-size:1.18rem;color:var(--muted);line-height:1.7}
.section-tight{padding:2.6rem 0 1.4rem}
.rv{opacity:1}
.rv-init{opacity:0;transform:translateY(12px);transition:opacity .55s ease,transform .55s ease}
.rv-init.in{opacity:1;transform:none}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;background:var(--grad);color:#fff!important;padding:.85rem 1.45rem;border-radius:99px;font-weight:800;font-size:.98rem;box-shadow:0 8px 24px rgba(20,154,168,.32),inset 0 1px 0 rgba(255,255,255,.22);transition:transform .15s,box-shadow .15s;border:none;cursor:pointer}
.btn:hover{transform:translateY(-1px);box-shadow:0 12px 30px rgba(20,154,168,.4)}
.btn-ghost{background:transparent;color:var(--ink-text)!important;border:1px solid rgba(255,255,255,.28);box-shadow:none}
.btn-sm{padding:.55rem 1rem;font-size:.86rem}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(246,248,250,.86);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:70px;gap:1rem}
.brand{display:flex;align-items:center;gap:.65rem;font-family:var(--display);font-weight:800;letter-spacing:.06em;font-size:.95rem;white-space:nowrap;color:var(--ink)}
.brand .mark{height:34px;width:auto;display:block}
.brand b{color:var(--teal)}
.brand span{display:flex;flex-direction:column;line-height:1.05}
.brand small{font-size:.58rem;letter-spacing:.28em;font-weight:700;color:var(--teal);opacity:.85}
footer .brand small{color:#7FDCE6}
footer .brand{color:var(--ink-text)}
.nav-links{display:flex;align-items:center;gap:1.4rem;font-size:.95rem;font-weight:600}
.nav-links a{color:var(--muted);position:relative}
.nav-links a:not(.nav-cta):hover{color:var(--ink)}
.nav-cta{background:var(--grad);color:#fff!important;padding:.55rem 1.15rem;border-radius:99px;font-weight:800;box-shadow:0 6px 18px rgba(20,154,168,.35)}
.nav-burger{display:none;background:transparent;border:1px solid var(--line2);border-radius:10px;padding:.35rem .6rem;font-size:1.1rem;cursor:pointer;color:var(--ink)}
@media (max-width:860px){
  .nav-burger{display:block}
  .nav-links{display:none;position:absolute;left:0;right:0;top:70px;background:var(--bg);border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:1rem 24px;gap:1rem}
  .nav-links.open{display:flex}
}

/* sponsor slots */
.sp{position:relative;display:block;border-radius:var(--radius-sm);overflow:hidden;background:var(--ink);box-shadow:var(--shadow)}
.sp img{width:100%;height:auto;display:block}
.sp-tag{position:absolute;top:8px;left:8px;font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:rgba(255,255,255,.85);background:rgba(11,31,51,.55);backdrop-filter:blur(4px);padding:.2rem .5rem;border-radius:99px;pointer-events:none}
.sp-top{padding-top:1.1rem}
.sp-lead{max-width:970px;margin:0 auto}
.home-grid{display:grid;grid-template-columns:300px minmax(0,1fr) 300px;gap:2rem;align-items:start;padding-top:1rem}
.sp-rail{position:sticky;top:90px}
.sp-tall{max-width:300px}
@media (max-width:1240px){.home-grid{grid-template-columns:minmax(0,1fr) 300px}.sp-rail-l{display:none}}
@media (max-width:980px){.home-grid{grid-template-columns:1fr}.sp-rail{position:static}.sp-rail-r{order:9;margin:1rem auto 0}}

/* hero */
.hero{position:relative;overflow:hidden;background:var(--ink);color:var(--ink-text);margin-top:1.1rem}
.hero::before{content:"";position:absolute;width:900px;height:900px;right:-360px;top:-420px;pointer-events:none;background:radial-gradient(circle,rgba(20,154,168,.16),transparent 62%)}
.hero-in{position:relative;z-index:2;padding:5.6rem 0 4.4rem;max-width:860px}
.hero h1{color:#fff;text-shadow:0 8px 60px rgba(0,0,0,.45)}
.hero .accent{color:var(--teal-hot)}
.hero .lede{margin:1.5rem 0 2.2rem;font-size:1.2rem;color:rgba(255,255,255,.9)}
.hero-ctas{display:flex;gap:.8rem;flex-wrap:wrap}
.hero-stats{display:flex;gap:2.6rem;margin-top:3rem;flex-wrap:wrap}
.hero-stats div{border-left:2px solid var(--teal-hot);padding-left:1.1rem}
.hero-stats b{display:block;font-family:var(--display);font-size:1.9rem;font-weight:800;letter-spacing:-.03em;line-height:1.1;color:#fff}
.hero-stats span{font-size:.8rem;color:var(--ink-muted);letter-spacing:.04em}

/* article hero */
.article-hero{padding:4.2rem 0 1.6rem;background:var(--ink);color:var(--ink-text);position:relative;overflow:hidden}
.article-hero::before{content:"";position:absolute;width:760px;height:480px;right:-220px;top:-290px;background:radial-gradient(circle,rgba(20,154,168,.14),transparent 64%);pointer-events:none}
.article-hero h1{font-size:clamp(2rem,4.2vw,3.2rem);position:relative;color:#fff}
.article-hero .lede{color:rgba(255,255,255,.88);position:relative}
.article-hero .kicker{position:relative}
.crumbs{font-size:.82rem;color:var(--ink-muted);margin-bottom:1.2rem;display:flex;flex-wrap:wrap;gap:.4rem;position:relative}
.crumbs a{color:var(--ink-muted)}
.crumbs span{opacity:.5}
.article-meta{display:flex;flex-wrap:wrap;gap:1.2rem;font-size:.82rem;color:var(--ink-muted);margin-top:1.4rem;position:relative}
.verified{color:#7FDCE6;font-weight:700}

/* article grid + rail */
.article-grid{display:grid;grid-template-columns:260px minmax(0,1fr);gap:3rem;padding:2.4rem 24px 3rem;align-items:start}
.rail{position:sticky;top:90px;display:flex;flex-direction:column;gap:1.2rem}
.toc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.2rem;font-size:.9rem;box-shadow:var(--shadow)}
.toc a{display:block;color:var(--muted);padding:.28rem 0;border-left:2px solid transparent;padding-left:.7rem;margin-left:-.7rem}
.toc a:hover{color:var(--teal);border-left-color:var(--teal-hot)}
.rail-card{background:var(--ink);color:var(--ink-text);border-radius:var(--radius);padding:1rem;position:relative;box-shadow:var(--glow)}
.rail-card .sp-tag{position:static;display:inline-block;margin-bottom:.6rem}
.rail-card .sp{box-shadow:none;margin-bottom:.8rem}
.rail-card p{font-size:.9rem;color:rgba(255,255,255,.88);margin-bottom:.8rem}
.article-body{max-width:760px;min-width:0}
.article-body h2{scroll-margin-top:90px}
.article-body ul,.article-body ol{padding-left:1.3rem;margin:.6rem 0 1rem}
.article-body li+li{margin-top:.35rem}
.quick{background:var(--teal-soft);border:1px solid rgba(15,110,122,.18);border-left:4px solid var(--teal);border-radius:var(--radius-sm);padding:1rem 1.2rem;margin:0 0 1.6rem;font-size:1.02rem}
.footnote{font-size:.86rem;color:var(--faint);margin-top:.6rem}
@media (max-width:980px){.article-grid{grid-template-columns:1fr}.rail{position:static}}

/* steps + checklist + glossary */
.steps{counter-reset:s;list-style:none;padding:0!important;margin:1rem 0 1.4rem}
.steps li{position:relative;padding:.9rem 1rem .9rem 3.4rem;background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);margin-top:.6rem;box-shadow:var(--shadow)}
.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:.95rem;top:.85rem;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--grad);color:#fff;font-weight:800;font-size:.85rem;display:flex;align-items:center;justify-content:center}
.steps li b{display:block;font-family:var(--display);font-size:1.02rem;margin-bottom:.2rem}
.steps li p{font-size:.96rem;color:var(--muted)}
.checklist{list-style:none;padding:0!important;margin:1rem 0 1.4rem}
.checklist li{display:flex;gap:.8rem;padding:.7rem .9rem;border-bottom:1px solid var(--line)}
.checklist .ck{flex:none;width:1.15rem;height:1.15rem;margin-top:.3rem;border:2px solid var(--teal);border-radius:5px;position:relative}
.checklist .ck::after{content:"";position:absolute;left:.3rem;top:.05rem;width:.32rem;height:.62rem;border:solid var(--teal);border-width:0 2px 2px 0;transform:rotate(45deg);opacity:.9}
.checklist b{display:block;font-size:.98rem}
.checklist p{font-size:.9rem;color:var(--muted);margin-top:.15rem}
.glossary{margin:1rem 0}
.glossary div{padding:.9rem 0;border-bottom:1px solid var(--line);scroll-margin-top:90px}
.glossary dt{font-family:var(--display);font-weight:800;font-size:1.05rem;color:var(--ink)}
.glossary dd{margin-top:.25rem;color:var(--muted);font-size:.97rem}

/* tables */
.table-wrap{overflow-x:auto;margin:1rem 0 1.4rem;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--card);box-shadow:var(--shadow)}
table{border-collapse:collapse;width:100%;font-size:.94rem}
th{background:var(--bg2);text-align:left;padding:.75rem .9rem;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);border-bottom:1px solid var(--line2)}
td{padding:.75rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}
tr:last-child td{border-bottom:none}
tr.hl td{background:var(--teal-soft)}

/* faq */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);margin-top:.6rem;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;padding:1rem 1.1rem;font-weight:700;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--teal);font-weight:800;font-size:1.2rem}
.faq details[open] summary::after{content:"−"}
.faq .a{padding:0 1.1rem 1rem;color:var(--muted)}

/* cards + hubs */
.grid{display:grid;gap:1.1rem}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:980px){.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.grid-3{grid-template-columns:1fr}}
.card{position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem 1.3rem 1.4rem;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-3px);box-shadow:var(--glow);border-color:rgba(20,154,168,.35)}
.card h3{margin:.2rem 0 .45rem;font-size:1.08rem}
.card-link{position:absolute;inset:0;border-radius:inherit}
.pillar-card{border-top:3px solid var(--teal)}
.hub-h2{margin-top:2.6rem;scroll-margin-top:90px}
.hub-h2:first-child{margin-top:0}

/* cta band */
.cta-band{padding:2.4rem 24px 3.4rem}
.cta-inner{max-width:1180px;margin:0 auto;background:var(--ink);color:var(--ink-text);border-radius:22px;padding:3rem 2rem;text-align:center;position:relative;overflow:hidden;box-shadow:var(--glow)}
.cta-inner::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:var(--grad)}
.cta-kicker{display:block;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;font-weight:800;color:var(--teal-hot);margin-bottom:.8rem}
.cta-inner h2{margin:0 0 .6rem;color:#fff}
.cta-inner p{color:rgba(255,255,255,.86);max-width:62ch;margin:0 auto 1.4rem}
.cta-fine{font-size:.8rem!important;color:var(--ink-muted)!important;margin:1rem auto 0!important;letter-spacing:.02em}

/* footer */
footer{background:var(--ink);color:var(--ink-text);padding:3.4rem 0 2rem;border-top:1px solid var(--ink-line)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2.4rem}
.foot-grid h4{font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-muted);margin-bottom:.9rem}
.foot-grid a{display:block;color:rgba(255,255,255,.82);font-size:.92rem;padding:.22rem 0}
.foot-grid a:hover{color:var(--teal-hot)}
.foot-brand p{font-size:.9rem;color:var(--ink-muted);margin-top:.9rem;max-width:40ch}
.foot-tagline{font-size:.68rem!important;letter-spacing:.26em;color:var(--teal-hot)!important;margin-top:.7rem!important}
.foot-sponsor a{display:inline!important;color:#7FDCE6!important;padding:0!important;font-weight:700}
.foot-legal{display:flex;justify-content:space-between;gap:1.6rem;flex-wrap:wrap;margin-top:2.6rem;padding-top:1.4rem;border-top:1px solid var(--ink-line);font-size:.84rem;color:var(--ink-muted)}
.foot-legal a{color:rgba(255,255,255,.8)}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}