:root{
  --paper:#EEF1F4; --sheet:#FFFFFF; --ink:#1B2433; --muted:#5A6576; --rule:#C9D1DB;
  --blue:#2F4BFF; --blue-ink:#FFFFFF; --mark:#FFE45C; --redact:#1B2433;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px); padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --paper:#121722; --sheet:#1A2130; --ink:#E7ECF3; --muted:#9AA6B8; --rule:#2C3546;
    --blue:#7D90FF; --blue-ink:#0E1220; --mark:#E8CB3A; --redact:#E7ECF3;
  }
}
:root[data-theme="dark"]{
  --paper:#121722; --sheet:#1A2130; --ink:#E7ECF3; --muted:#9AA6B8; --rule:#2C3546;
  --blue:#7D90FF; --blue-ink:#0E1220; --mark:#E8CB3A; --redact:#E7ECF3;
}
*,*::before,*::after{box-sizing:inherit}
html{scroll-padding-top:env(safe-area-inset-top,0px);scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.6 "IBM Plex Sans",system-ui,-apple-system,"Segoe UI",sans-serif}
h1,h2,h3{font-family:"Bricolage Grotesque","IBM Plex Sans",system-ui,sans-serif;line-height:1.05;margin:0;letter-spacing:-.02em}
a{color:inherit}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:4px}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
p{max-width:62ch}

/* nav */
.nav{display:flex;align-items:center;justify-content:space-between;padding:20px 0;gap:12px}
.logo{font:800 22px "Bricolage Grotesque",system-ui,sans-serif;text-decoration:none;display:flex;align-items:center;gap:9px}
.logo i{display:inline-block;width:18px;height:22px;border:2.5px solid var(--ink);border-radius:3px;position:relative}
.logo i::after{content:"";position:absolute;left:3px;right:3px;top:7px;height:4px;background:var(--ink)}
.nav nav{display:flex;gap:18px;align-items:center;font-weight:500;font-size:15px}
.nav nav a{text-decoration:none}
.nav nav a.hide-sm{color:var(--muted)}
@media (max-width:640px){.nav nav a.hide-sm{display:none}}
.btn{display:inline-block;background:var(--blue);color:var(--blue-ink);text-decoration:none;font-weight:600;padding:12px 20px;border-radius:999px;border:0;font-size:16px;cursor:pointer;font-family:inherit}
.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--ink)}

/* hero */
.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:40px 0 72px}
@media (max-width:860px){.hero{grid-template-columns:1fr;gap:36px;padding-top:16px}}
.hero h1{font-size:clamp(44px,7vw,84px);font-weight:800}
.hero .lede{font-size:20px;color:var(--muted);margin:22px 0 28px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero small{display:block;margin-top:18px;color:var(--muted);font-size:14px}

/* the redaction sheet — the one memorable thing */
.sheet{background:var(--sheet);border:1.5px solid var(--rule);border-radius:6px;padding:24px 24px 20px;box-shadow:12px 12px 0 var(--rule);font-size:15px;line-height:1.75}
.sheet header{display:flex;justify-content:space-between;color:var(--muted);font-size:13px;border-bottom:1.5px dashed var(--rule);padding-bottom:10px;margin-bottom:14px}
.sheet p{margin:0 0 10px}
.r{position:relative;white-space:nowrap}
.r::after{content:"";position:absolute;inset:-1px -3px;background:var(--redact);border-radius:2px;transform-origin:left;transform:scaleX(0);animation:redact .45s cubic-bezier(.6,0,.3,1) forwards}
.r:nth-of-type(1)::after{animation-delay:.9s}.r:nth-of-type(2)::after{animation-delay:1.25s}.r:nth-of-type(3)::after{animation-delay:1.6s}.r:nth-of-type(4)::after{animation-delay:1.95s}
@keyframes redact{to{transform:scaleX(1)}}
.keep{background:var(--mark);color:#1B2433;padding:0 3px;border-radius:2px}
.sheet footer{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;border-top:1.5px dashed var(--rule);padding-top:12px;margin-top:14px;font-size:13px;color:var(--muted)}
.sheet footer strong{color:var(--ink)}

/* sections */
section{padding:72px 0;border-top:1.5px solid var(--rule)}
section h2{font-size:clamp(32px,4.6vw,52px);font-weight:700;max-width:18ch}
.intro{color:var(--muted);font-size:18px;margin:16px 0 36px}

.gap{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1.5px solid var(--ink);border-radius:6px;overflow:hidden}
.gap div{padding:28px}
.gap div+div{border-left:1.5px solid var(--ink);background:var(--ink);color:var(--paper)}
.gap h3{font-size:26px;margin-bottom:8px}
@media (max-width:700px){.gap{grid-template-columns:1fr}.gap div+div{border-left:0;border-top:1.5px solid var(--ink)}}

.sources{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));border-top:1.5px solid var(--ink)}
.sources article{padding:22px 20px 26px 0;border-bottom:1.5px solid var(--rule)}
.sources h3{font-size:22px;margin-bottom:8px}
.sources p{color:var(--muted);font-size:15px;margin:0 0 12px}
.sources .tools{font-size:13px;font-weight:600}

.roles{display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0;list-style:none}
.roles li{border:1.5px solid var(--ink);border-radius:999px;padding:8px 16px;font-size:15px}
.roles li span{color:var(--muted)}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:s;padding:0;list-style:none;margin:0}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:s;border-top:4px solid var(--ink);padding-top:16px}
.steps li::before{content:counter(s);font:800 44px "Bricolage Grotesque",sans-serif;display:block;line-height:1;margin-bottom:10px;color:var(--blue)}
.steps h3{font-size:21px;margin-bottom:6px}
.steps p{color:var(--muted);font-size:15px;margin:0}
.steps em{font-style:normal;font-weight:600;color:var(--ink);font-size:13px;display:block;margin-bottom:6px}

/* estimator */
.est{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}
@media (max-width:860px){.est{grid-template-columns:1fr}}
form{display:grid;gap:16px}
label{font-weight:600;font-size:15px;display:grid;gap:6px}
input,select,textarea{font:inherit;font-weight:400;padding:12px 14px;border:1.5px solid var(--rule);border-radius:6px;background:var(--sheet);color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{border-color:var(--blue);outline:none}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:520px){.row{grid-template-columns:1fr}}
.payout{background:var(--sheet);border:1.5px solid var(--ink);border-radius:6px;padding:28px;position:sticky;top:20px}
.payout .fig{font:800 clamp(40px,6vw,60px)/1 "Bricolage Grotesque",sans-serif;margin:8px 0 14px;font-variant-numeric:tabular-nums}
.payout p{color:var(--muted);font-size:14px;margin:0}
.ok{display:none;background:var(--mark);color:#1B2433;padding:14px;border-radius:6px;font-weight:500}
.ok.show{display:block}
.hp{position:absolute;left:-9999px}

.checks{display:flex;flex-wrap:wrap;gap:8px}
.checks label{font-weight:500;display:flex;align-items:center;gap:8px;border:1.5px solid var(--rule);border-radius:999px;padding:6px 14px;cursor:pointer}
.checks input{width:auto;margin:0;accent-color:var(--blue)}

.security{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:28px}
.security h3{font-size:20px;margin-bottom:6px}
.security p{color:var(--muted);font-size:15px;margin:0}

details{border-bottom:1.5px solid var(--rule);padding:18px 0}
summary{font-weight:600;font-size:18px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font:700 24px/1 "Bricolage Grotesque",sans-serif}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin:10px 0 0}

.refer{background:var(--ink);color:var(--paper);border-radius:6px;padding:40px 32px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.refer h2{font-size:clamp(28px,4vw,42px)}
.refer .btn{background:var(--mark);color:#1B2433}

.foot{padding:40px 0 56px;color:var(--muted);font-size:14px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1.5px solid var(--rule)}
.foot a{text-decoration:none;margin-right:16px}

/* multi-page additions */
.page-head{padding:40px 0 48px}
.page-head h1{font-size:clamp(40px,6vw,68px);font-weight:800;max-width:16ch}
.page-head p{font-size:19px;color:var(--muted);margin-top:18px}
.prose{max-width:72ch;padding-bottom:72px}
.prose h2{font-size:26px;margin:36px 0 10px}
.prose p,.prose li{color:var(--ink)}
.prose li{margin-bottom:6px}
.nav nav a[aria-current="page"]{color:var(--ink);text-decoration:underline;text-underline-offset:5px}
.center{text-align:left;padding:72px 0}
.err{color:#B3261E;font-size:14px}
.page-head{padding:40px 22px 48px}
.center{padding:72px 22px}
.btn{white-space:nowrap}
.inline-est{display:none;border:1.5px solid var(--ink);border-radius:6px;padding:14px 16px;background:var(--sheet)}
.inline-est b{display:block;font:800 30px/1.1 "Bricolage Grotesque",sans-serif;margin-top:4px;font-variant-numeric:tabular-nums}
@media (max-width:860px){.inline-est{display:block}.payout{position:static}}
@media (max-width:420px){.nav .btn{padding:10px 14px;font-size:15px}.logo{font-size:20px}}
.sheet{margin:0}
.foot{padding:40px 22px 56px}

/* ---- v3: nav, footer, content types ---- */
.nav{position:relative}
.nav-links{display:flex;gap:20px}
.nav-links a{text-decoration:none;color:var(--muted);font-weight:500}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--ink)}
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;border:1.5px solid var(--ink);border-radius:999px;padding:10px 14px;font-weight:600;font-size:15px}
.mnav summary::-webkit-details-marker{display:none}
.mnav-panel{position:absolute;right:0;top:calc(100% + 8px);background:var(--sheet);border:1.5px solid var(--rule);border-radius:8px;padding:8px;min-width:200px;z-index:20;display:grid;box-shadow:8px 8px 0 var(--rule)}
.mnav-panel a{padding:10px 12px;text-decoration:none;border-radius:4px}
.mnav-panel a:hover{background:var(--paper)}
@media (max-width:900px){.nav-links{display:none}.mnav{display:block}}
@media (max-width:420px){.nav .btn{display:none}}
.site-foot{border-top:1.5px solid var(--rule);padding:48px 22px 56px;margin-top:0}
.foot-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
@media (max-width:700px){.foot-cols{grid-template-columns:1fr 1fr}}
.foot-cols h3{font-size:15px;margin-bottom:10px}
.foot-cols a{display:block;text-decoration:none;color:var(--muted);font-size:15px;padding:4px 0}
.foot-cols a:hover{color:var(--ink)}
.foot-legal{color:var(--muted);font-size:14px;margin-top:32px;max-width:none}
.page-head .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;align-items:start}
@media (max-width:860px){.two-col{grid-template-columns:1fr}}
.side-box{border:1.5px solid var(--ink);border-radius:6px;padding:22px;background:var(--sheet)}
.side-box h3{font-size:18px;margin-bottom:10px}
.side-links{list-style:none;padding:0;margin:0 0 14px;display:grid;gap:8px;font-size:15px}
.side-links.plain{margin:0}
.chip-toc{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:12px}
.chip-toc a{border:1.5px solid var(--rule);border-radius:999px;padding:6px 14px;text-decoration:none;font-size:14px;font-weight:500}
.chip-toc a:hover{border-color:var(--ink)}
.ind-group{padding:36px 0 8px;border-bottom:1.5px solid var(--rule)}
.ind-group h2{font-size:28px;margin-bottom:16px}
.ind-list{list-style:none;padding:0;margin:0 0 20px;display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:10px 24px}
.ind-list a{text-decoration:none;font-weight:500}
.ind-list a:hover{text-decoration:underline}
.note-box{margin-top:36px;background:var(--sheet);border-left:4px solid var(--blue);padding:20px 24px;border-radius:4px}
.note-box h3{font-size:20px;margin-bottom:6px}
.note-box p{margin:0}
.post-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:28px;margin-top:20px}
.post-card{border-top:4px solid var(--ink);padding-top:16px}
.post-card h3{font-size:22px;margin:6px 0 8px;line-height:1.15}
.post-card h3 a{text-decoration:none}
.post-card h3 a:hover{text-decoration:underline}
.post-card p{color:var(--muted);font-size:15px;margin:0}
.post-meta{color:var(--muted);font-size:14px;margin:0}
.post-meta a{color:inherit}
.post{max-width:760px;padding-top:32px;padding-bottom:40px}
.post-head h1{font-size:clamp(34px,5vw,54px);font-weight:800;margin:14px 0 16px}
.post-head .lede{font-size:20px;color:var(--muted);margin:0 0 12px}
.byline{font-size:15px;font-weight:600;margin:0 0 28px}
.post-body{padding-bottom:0;font-size:18px}
.post-body h2{font-size:28px}
.tbl-wrap{overflow-x:auto;margin-top:20px}
.tbl{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
.tbl th,.tbl td{text-align:left;padding:12px 14px;border-bottom:1.5px solid var(--rule);vertical-align:top}
.tbl th{font-weight:600;border-bottom:2px solid var(--ink)}
.steps-6{grid-template-columns:repeat(3,1fr)}
@media (max-width:860px){.steps-6{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.steps-6{grid-template-columns:1fr}}
.faq-wrap h2{font-size:28px;margin:36px 0 4px}
.faq-wrap h2:first-child{margin-top:0}
.blog-teaser .post-grid{margin-top:28px}
details.mnav{border-bottom:0;padding:0}
.mnav summary::after{content:none}
.mnav summary{font-size:15px}
.mnav-panel a.mnav-cta{background:var(--blue);color:var(--blue-ink);font-weight:600;text-align:center;margin-bottom:4px}
/* SEO pass: footer column titles, blog-index cards and buyer feature titles moved from h3 to h2 (no skipped heading levels); same look as before */
.foot-cols h2{font-size:15px;margin-bottom:10px;font-weight:700}
.post-card h2{font-size:22px;margin:6px 0 8px;line-height:1.15;font-weight:700;max-width:none}
.post-card h2 a{text-decoration:none}
.post-card h2 a:hover{text-decoration:underline}
.security h2{font-size:20px;margin-bottom:6px;font-weight:700;max-width:none}
/* Footer disclaimer: the site's own wording from /terms/ ("Estimates are not offers"), shown as small print above the copyright line */
.foot-disc{font-size:13px}
.foot-disc + .foot-legal{margin-top:12px}