/* Nov 7 2026 redesign: outcome-first owner experience. Accessible gold for text. */
:root{--gold-text:#8a6a2a;--gold-btn:#8f6d2c}
.btn.gold{background:var(--gold-btn);color:#fff}.btn.gold:hover,.btn.gold:focus-visible{background:#6f5420}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex]:focus-visible{outline:3px solid #1f6feb;outline-offset:2px}
.eyebrow{color:var(--gold-text)}.h-hero .eyebrow,.h-band .eyebrow,.o-hero .eyebrow{color:#e9dcc0}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:#0b1830;padding:10px 14px;z-index:99}.skip:focus{left:10px}
.o-hero{background:#0b1830 url(../assets/hero-skyline.jpg) center right/cover no-repeat;position:relative;color:#fff}
.o-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,24,48,.95),rgba(11,24,48,.8) 55%,rgba(11,24,48,.55))}
.o-hero .wrap{position:relative;padding:88px 20px 80px}.o-hero h1{color:#fff;max-width:820px;letter-spacing:-.02em}.o-hero p.lead{color:#d9dee7;max-width:640px;font-size:1.12rem}
.o-sec{padding:80px 0}.o-sec.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.o-grid{display:grid;gap:24px}@media(min-width:820px){.o-grid.c2{grid-template-columns:1fr 1fr}.o-grid.c3{grid-template-columns:repeat(3,1fr)}.o-grid.c4{grid-template-columns:repeat(2,1fr)}}@media(min-width:1100px){.o-grid.c4{grid-template-columns:repeat(4,1fr)}}
.o-card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:6px;padding:26px;display:flex;flex-direction:column;color:inherit;text-decoration:none}
a.o-card:hover{box-shadow:0 8px 24px rgba(11,24,48,.08);border-color:var(--gold)}
.o-card h3{margin:4px 0 10px;color:var(--navy);font-size:1.22rem}.o-card p,.o-card li{color:var(--mut)}.o-card ul{padding-left:18px;margin:0 0 14px}
.o-card .go{margin-top:auto;color:var(--navy);font-weight:600;border-bottom:1px solid var(--gold);align-self:flex-start}
.o-out{display:grid;gap:18px}.o-out h3{margin:0 0 6px}
.o-tbl{width:100%;border-collapse:collapse;margin:12px 0}.o-tbl th,.o-tbl td{padding:8px 0;border-bottom:1px solid var(--line);text-align:left;font-weight:400;vertical-align:top}.o-tbl td{text-align:right;font-weight:600;white-space:nowrap;padding-left:12px}.o-tbl tr.tot th,.o-tbl tr.tot td{font-weight:700;border-bottom:2px solid var(--navy)}
.o-form fieldset{border:1px solid var(--line);border-radius:6px;padding:16px 18px;margin:0 0 18px}.o-form legend{font-weight:700;color:var(--navy);padding:0 6px}
.o-form label{display:block;margin:0 0 12px;font-weight:600}.o-form input,.o-form select{display:block;width:100%;margin-top:6px;padding:10px;border:1px solid #8a94a6;border-radius:4px;font:inherit}
.o-form small{display:block;font-weight:400;color:var(--mut)}.o-form .two{display:grid;gap:0 18px}@media(min-width:700px){.o-form .two{grid-template-columns:1fr 1fr}}
.err{color:#a4161a;font-weight:600}#hl{font-family:var(--serif);font-size:2.2rem;color:var(--navy);margin:0}
.o-note{background:#f3efe6;border-left:3px solid var(--gold);padding:14px 18px;border-radius:4px}
.o-src li{margin-bottom:6px}.o-steps{counter-reset:s;list-style:none;padding:0}.o-steps li{counter-increment:s;position:relative;padding:0 0 20px 52px}.o-steps li:before{content:counter(s,decimal-leading-zero);position:absolute;left:0;font-family:var(--serif);font-size:1.5rem;color:var(--gold-text)}
.crumb{font-size:.9rem}.crumb a{color:var(--gold-text)}
@media(max-width:640px){.o-sec{padding:56px 0}.o-hero .wrap{padding:64px 20px}.btn{width:100%;text-align:center}}
/* Nov 7 UX pass: targets, control contrast, simplified nav, footer logo */
.btn,.o-form input,.o-form select,.nav a{min-height:44px}.btn{display:inline-flex;align-items:center;justify-content:center}
.o-form input,.o-form select{border-color:#6b7586}
.o-form .chk{display:flex;gap:10px;align-items:flex-start;font-weight:600;min-height:44px}
.o-form .chk input{width:24px;height:24px;min-height:24px;margin:0;flex:0 0 auto}
.o-form [aria-invalid=true]{border:2px solid #a4161a}
.nav a{display:inline-flex;align-items:center}.nav a.nav2{color:#4a5568;font-weight:500}
.nav a[aria-current=page]{box-shadow:inset 0 -2px 0 var(--gold)}
.flogo{display:inline-block;margin:0 0 18px}.flogo img{display:block;height:96px;width:auto}
details summary{min-height:44px;display:flex;align-items:center;cursor:pointer;font-weight:700;color:var(--navy)}