/* ===== legal pages ===== */
.legalwrap{display:grid;grid-template-columns:minmax(0,260px) minmax(0,1fr);gap:clamp(28px,4vw,56px);align-items:start;max-width:1100px;margin:0 auto}
.toc{position:relative;background:var(--tint);border-radius:var(--r);padding:18px 20px;border-top:4px solid var(--gold)}
.toc p{font:600 14px/1.3 var(--font-h);letter-spacing:.1em;text-transform:uppercase;margin:0 0 10px;color:var(--ink)}
.toc ol{margin:0;padding:0 0 0 18px;display:grid;gap:6px}
.toc a{font-size:14px;line-height:1.4;color:var(--navy);text-decoration:none}
.toc a:hover{text-decoration:underline}
.legal-body{max-width:760px}
.legal-body .updated{font-size:14px;margin:0 0 22px;padding:10px 14px;border-radius:var(--r-s);background:var(--teal-tint);display:inline-block}
.legal-body h2{font-size:clamp(20px,1.7vw,24px);margin:34px 0 10px;scroll-margin-top:24px}
.legal-body h2:first-of-type{margin-top:6px}
.legal-body h3{font-size:18px;margin:20px 0 6px}
.legal-body p,.legal-body li{font-size:16px;line-height:1.7}
.legal-body ul{list-style:disc;padding-left:22px;margin:0 0 1em}
.legal-body li{margin:0 0 6px}
.legal-body .note{background:var(--gold-tint);border-left:4px solid var(--gold);border-radius:0 var(--r-s) var(--r-s) 0;padding:14px 16px;font-size:16px}
@media (max-width:900px){.legalwrap{grid-template-columns:minmax(0,1fr)}}

/* ===== bright heroes: cream background, navy type, no photo wash ===== */
.phero{background:#FBF7EF;color:var(--ink)}
.phero .bg{display:none}
.phero h1,.phero .lede,.phero p,.phero li,.phero .byline,.phero .checks li,.phero .fine{color:var(--ink);text-shadow:none}
.phero h1{color:var(--navy)}
.phero .eyebrow{color:#1A64A6;text-shadow:none}
.phero h1 em{color:#B07A1E}
.phero .btn-line{border-color:var(--navy);color:var(--navy);background:#fff;backdrop-filter:none}
.phero .btn-line:hover{background:var(--navy);color:#fff}
.phero .checks li::before,.phero .checks li svg{color:var(--navy)}
.statrow{border-top-color:rgba(29,51,88,.18)}
.statrow li+li{border-left-color:rgba(29,51,88,.18)}
.statrow b{color:var(--navy)}
.statrow span{color:var(--ink)}
.phero .lede{color:#2B3340}
.phero .byline b{color:var(--navy)}
.phero .mark,.phero .ptag{color:var(--ink)}
.phero .note{background:#fff;color:var(--ink)}
.phero .vcap{color:var(--ink)}
header{border-bottom:1px solid var(--line)}
.chipbar{padding-top:clamp(22px,2.4vw,30px)}
.phero .vcap b,.phero figcaption b,.phero .cap b{color:var(--navy)}
.phero .fine{background:transparent;padding:0}
.phero .lede{color:var(--ink)}
.phero strong,.phero .vidcap,.phero .vcap{color:var(--ink)}
.phero strong{color:var(--navy)}
.phero .ic{color:#fff}
.phero strong,.phero .byline strong{color:var(--navy)!important}
.phero .vidcap,.phero .vcap{color:var(--ink)!important}
.phero .lede{color:var(--ink)!important}

/* ===== white heroes, near-white gray tints ===== */
:root{--tint:#F5F7FA}
.phero{background:#fff}
.tinted,.shade,.h4 .shade{background:#F5F7FA}
.chipbar{background:#fff}

/* ===== headings: semibold ===== */
h1,h2,h3,.phero h1,.sechead h2,.shead h2,.closeband h2{font-weight:600}

/* ===== heading weight and hero color ===== */
h1,h2,h3,.phero h1,.sechead h2,.shead h2{font-weight:600}
.phero h1{color:var(--ink)!important;letter-spacing:-.015em}
.phero h1 em{color:#1A64A6!important}
.phero .lede{color:var(--ink)!important}

/* ===== headings back to semibold, darker hero type; resource covers on white, no gray box ===== */
h1,h2,h3,.phero h1,.sechead h2,.shead h2{font-weight:600}
.phero h1{color:#152745;letter-spacing:-.015em}
.phero .lede,.phero p{color:#1F2630!important}
.phero .eyebrow{color:#1A64A6}
.lc{border:0;box-shadow:none;background:transparent}
.lc .ph{background:#fff;padding:0;aspect-ratio:4/5;border-radius:12px;border:1px solid var(--line);overflow:hidden;display:grid;place-items:center}
.lc .ph img{width:100%;height:100%;object-fit:cover;object-position:top center;box-shadow:none;border-radius:0}
.lc:hover .ph{border-color:#C9D3E0;box-shadow:0 14px 30px -18px rgba(20,24,31,.35)}
.lc .bd{padding:12px 4px 0}
.lc h3{font-size:16px;line-height:1.35}
.cats .cat .ph{background:#fff}

/* ===== covers as printed sheets: square corners, lifted off the page ===== */
.lc .ph{position:relative;background:transparent;border:0;border-radius:0;padding:0 14px 20px 0;aspect-ratio:auto;display:block;overflow:visible;isolation:isolate}
.lc .ph::before{content:"";position:absolute;left:10px;top:10px;right:4px;bottom:10px;background:#fff;border:1px solid #E3E8EF;box-shadow:0 10px 22px -14px rgba(20,24,31,.35);z-index:-1}
.lc .ph img{display:block;width:100%;aspect-ratio:4/5;height:auto;object-fit:cover;object-position:top center;border:1px solid #DCE2EA;border-radius:0;background:#fff;box-shadow:0 1px 1px rgba(20,24,31,.06),0 8px 16px -6px rgba(20,24,31,.22),0 26px 44px -22px rgba(20,24,31,.38);transition:transform .15s,box-shadow .15s}
.lc:hover .ph img{transform:translate(-2px,-4px);box-shadow:0 1px 1px rgba(20,24,31,.06),0 12px 22px -8px rgba(20,24,31,.26),0 34px 56px -24px rgba(20,24,31,.42)}
.lc:hover .ph{box-shadow:none;border:0}
.lc .bd{padding:10px 4px 0}
.cats .cat,.cats .cat .ph,.cats .cat .ph img{border-radius:0}
/* ===== polish: navy header, balanced chip rows, breathing room ===== */
header{background:#284C86;border-bottom:0}
.navbar .navbtn{color:#fff}
.navbtn:hover,.navbtn[aria-current="page"]{border-bottom-color:var(--gold)}
.ddbtn{color:#fff}.ddbtn:hover{background:rgba(255,255,255,.14)}
.menubtn{color:#fff;border-color:rgba(255,255,255,.35)}.menubtn .bars span{background:#fff}
.nav{border-top-color:rgba(255,255,255,.18)}
@media (max-width:900px){.navbtn{border-bottom-color:rgba(255,255,255,.14)}}
.phero.home{padding-top:clamp(32px,4vw,60px)}
.sechead h2+p:not(.kick),.shead h2+p:not(.kick){margin-top:20px}
.sechead,.shead,.band .sechead,.band.final .sechead,.tinted .sechead,section .sechead,.midband .shead,.closeband .shead{margin-bottom:clamp(40px,5vw,60px)}
.tiles{margin-bottom:clamp(20px,3.5vw,44px)}
.closeband h2{margin-bottom:clamp(22px,3vw,32px)}
.closeband .cta{margin-bottom:clamp(22px,3vw,30px)}
.closeband .fine{margin-top:0}
@media (min-width:1000px){
  .chips[data-n="5"],.chips[data-n="6"],.chips[data-n="7"]{flex-wrap:nowrap}
  .chips[data-n="8"]{display:grid;grid-template-columns:repeat(4,max-content);justify-content:center}
  .chips[data-n="9"],.chips[data-n="10"]{display:grid;grid-template-columns:repeat(5,max-content);justify-content:center}
  .chips[data-n="11"],.chips[data-n="12"]{display:grid;grid-template-columns:repeat(6,max-content);justify-content:center}
}
@media (max-width:400px){.lockup img{height:28px}.hdrcta{padding:8px 12px;font-size:14px;min-height:38px}.menubtn{padding:8px}}
@media (max-width:560px){.catpage .libgrid{grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.catpage .lc h3{font-size:14px}.catpage .lc .go{font-size:13px;padding:8px 12px}}
.contact a[href^="mailto:"],.contact .val{word-break:break-all;overflow-wrap:anywhere}
.showmore{display:flex;justify-content:center;margin:clamp(20px,3vw,32px) 0 0}
/* home page audit pass */
.phero.home .vidcap{text-align:center}
.phero.home .eyebrow{padding-left:2px}
.s.first{background:#EEF2F7}
.tile{padding-bottom:30px}.tile a.more{margin-top:auto;padding-top:8px}
.sechead .kick,.shead .kick,.sechead p.kick,.shead p.kick{margin:0 0 16px!important}
.sechead h2+p:not(.kick),.shead h2+p:not(.kick){margin-top:16px}
.frow .ft .k{margin:0 0 16px}.frow .ft h3{margin:0 0 16px}
.pv{margin-top:0}.pvnote{margin:clamp(24px,3vw,36px) 0 0}
.q,.quotes .q{padding:clamp(24px,2.6vw,32px) clamp(24px,2.6vw,32px) clamp(28px,3vw,36px)}
.closeband h2{margin-bottom:clamp(28px,3.5vw,40px)}
.closeband .cta{margin-bottom:clamp(28px,3.5vw,36px)}
body .s.first,.h4 .s.first,section.s.first{background:#EEF2F7!important}
.phero.home .byline{text-align:center}
.phero.home .byline{text-align:center}
.tile:nth-child(1) .ti,.tile:nth-child(2) .ti,.tile:nth-child(3) .ti,.tile:nth-child(4) .ti{background:#F3F6FA}
/* menu spacing and printables page */
@media (min-width:901px){.nav{gap:6px 40px}}
.typebar{background:#284C86;padding:0}
.typebar .types{display:flex;justify-content:space-between;align-items:stretch;gap:0}
.typebar .types a{flex:1 1 0;text-align:center;padding:18px 8px;font:600 16px/1.2 var(--font-b);color:#fff;text-decoration:none;border-left:1px solid rgba(255,255,255,.14);white-space:nowrap}
.typebar .types a:first-child{border-left:0}
.typebar .types a:hover{background:rgba(255,255,255,.1)}
@media (max-width:900px){.typebar .types{flex-wrap:wrap}.typebar .types a{flex:1 1 25%;border-left:0;padding:14px 8px;font-size:14px}}
@media (max-width:560px){.typebar .types a{flex:1 1 50%}}
body.printables .phero{padding-top:clamp(32px,4vw,56px)}
.sechead p.oneline{max-width:none;white-space:nowrap}
@media (max-width:900px){.sechead p.oneline{white-space:normal}}
body.printables .cats{grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(20px,2.4vw,32px)}
@media (max-width:900px){body.printables .cats{grid-template-columns:repeat(2,minmax(0,1fr))}}
body.printables .cat,body.printables .cat:nth-child(4n+2),body.printables .cat:nth-child(4n+3),body.printables .cat:nth-child(4n+4){border-top:1px solid var(--line)}
body.printables .cat .ph,body.printables .cat:nth-child(4n+2) .ph,body.printables .cat:nth-child(4n+3) .ph,body.printables .cat:nth-child(4n+4) .ph{background:#F3F6FA}
body.printables .cat h3{font-size:20px}body.printables .cat .bd p{font-size:16px}
/* announcement bar and footer strip */
.promobar{background:#F3F6FA;border-bottom:1px solid #E3E8EF;font:500 14px/1.3 var(--font-b);color:#1D3358}
.promobar .wrap{display:flex;align-items:center;justify-content:center;gap:24px;padding-top:10px;padding-bottom:10px;flex-wrap:wrap}
.promobar a{color:#1D3358;font-weight:600;text-decoration:underline;text-underline-offset:2px}
.promobar .tb-cta{text-decoration:none;background:#284C86;color:#fff;border-radius:999px;padding:6px 14px;font-size:13px;white-space:nowrap}
.promobar .tb-cta:hover{background:#1D3358}
@media (max-width:640px){.promobar .tb-txt{display:none}.promobar .wrap{justify-content:center}}
footer{padding-bottom:0}
footer .fgrid{padding-bottom:clamp(32px,4vw,48px)}
footer .fbottom{background:#0F1D33;padding:18px 0}
footer .fbottom .legal{margin:0}