/* ============================================================
   KNOW THE NO SURPRISES ACT — SHARED STYLESHEET
   ------------------------------------------------------------
   Design tokens live at the top of this file. If you ever want
   to retheme the whole site, change values in :root and nothing
   else. Section comments below match the section names used in
   every page's HTML, so search for e.g. "FILING CARDS" to find
   both the CSS and (via the same label) the matching HTML block.
   ============================================================ */

:root{
  /* ---- Color ---- */
  --ink:        #16233A;   /* primary text, headers, nav */
  --ink-soft:   #2C3E54;   /* secondary headings */
  --slate:      #51606F;   /* body copy on light backgrounds */
  --slate-on-dark: #AEB9C4;
  --paper:      #EEF1EC;   /* page background — cool, not cream */
  --paper-raised: #FFFFFF; /* cards */
  --gold:       #A9782F;   /* seal / accent / citations */
  --gold-soft:  #C79A4F;
  --brick:      #8C3A32;   /* deadlines, warnings, callouts */
  --brick-tint: #F3E7E4;
  --rule:       #CBD0C6;   /* hairline borders */
  --rule-dark:  rgba(255,255,255,0.14);

  /* ---- Type ---- */
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-mono: "IBM Plex Mono", "Courier New", monospace;

  /* ---- Layout ---- */
  --maxw: 1120px;
  --gutter: clamp(20px, 5vw, 56px);
}

*, *::before, *::after{ box-sizing: border-box; }

html{ scroll-behavior: smooth; }

body{
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img{ max-width: 100%; display: block; }

a{ color: inherit; }

.wrap{
  max-width: var(--maxw);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}

.eyebrow{
  font-family: var(--font-mono);
  font-size: 12.5px;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 500;
}

.eyebrow.on-dark{ color: var(--gold-soft); }

h1, h2, h3{
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 600;
  line-height: 1.15;
  margin: 0;
}

h1{ font-size: clamp(2.1rem, 4.4vw, 3.4rem); }
h2{ font-size: clamp(1.5rem, 2.6vw, 2rem); }
h3{ font-size: 1.2rem; }

p{ margin: 0 0 1em; color: var(--slate); }
p:last-child{ margin-bottom: 0; }

.rule{
  border: none;
  border-top: 1px solid var(--rule);
  margin: 0;
}

.section{ padding: 56px 0; }
.section.tight{ padding: 40px 0; }

/* ============================================================
   NAV
   ============================================================ */
.site-nav{
  background: var(--ink);
  color: #fff;
}
.site-nav .wrap{
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 18px;
  padding-bottom: 18px;
}
.brand{
  display: flex;
  align-items: center;
  text-decoration: none;
}
.brand-logo{ height: 30px; width: auto; display: block; }
.nav-links{
  display: flex;
  gap: 28px;
  list-style: none;
  margin: 0;
  padding: 0;
  font-size: 14.5px;
}

.nav-links a{
  text-decoration: none;
  color: var(--slate-on-dark);
  border-bottom: 1px solid transparent;
  padding-bottom: 3px;
  transition: color 0.15s ease, border-color 0.15s ease;
}
.nav-links a:hover,
.nav-links a[aria-current="page"]{
  color: #fff;
  border-bottom-color: var(--gold-soft);
}
.nav-toggle{
  display: none;
  background: none;
  border: 1px solid var(--rule-dark);
  color: #fff;
  border-radius: 4px;
  padding: 7px 10px;
  font-size: 13px;
  font-family: var(--font-mono);
}

@media (max-width: 760px){
  .nav-toggle{ display: inline-block; }
  .nav-links{
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--ink);
    flex-direction: column;
    gap: 0;
    padding: 8px 0 18px;
    border-top: 1px solid var(--rule-dark);
  }
  .nav-links.open{ display: flex; }
  .nav-links li{ padding: 10px var(--gutter); }
  .site-nav{ position: relative; }
}

/* ============================================================
   HERO (home page)
   ============================================================ */
.hero{
  padding: 72px 0 56px;
}
.hero .wrap{
  display: grid;
  grid-template-columns: 1.3fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.hero-copy .eyebrow{ margin-bottom: 14px; display:block; }
.hero-copy h1{ margin-bottom: 18px; }
.hero-copy p{ font-size: 1.08rem; max-width: 46ch; }
.hero-actions{
  display: flex;
  gap: 14px;
  margin-top: 28px;
  flex-wrap: wrap;
}
.btn{
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 14.5px;
  padding: 12px 22px;
  border-radius: 3px;
  text-decoration: none;
  border: 1px solid transparent;
  transition: transform 0.12s ease, background 0.15s ease;
}
.btn-primary{ background: var(--ink); color: #fff; }
.btn-primary:hover{ background: var(--ink-soft); }
.btn-ghost{ background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover{ background: var(--ink); color: #fff; }

.seal-wrap{ display: flex; justify-content: center; }
.seal-wrap svg{ width: 220px; height: 220px; }

@media (max-width: 820px){
  .hero .wrap{ grid-template-columns: 1fr; }
  .seal-wrap{ order: -1; }
  .seal-wrap svg{ width: 150px; height: 150px; }
}

/* ============================================================
   QUICK FACTS STRIP
   ============================================================ */
.facts-strip{
  background: var(--paper-raised);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.facts-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.fact{
  padding: 26px var(--gutter) 26px 0;
  border-left: 1px solid var(--rule);
  padding-left: 24px;
}
.fact:first-child{ border-left: none; padding-left: 0; }
.fact .eyebrow{ margin-bottom: 8px; display: block; }
.fact strong{
  display: block;
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--ink);
  margin-bottom: 4px;
}
.fact span.detail{ font-size: 13.5px; color: var(--slate); }

@media (max-width: 820px){
  .facts-grid{ grid-template-columns: 1fr 1fr; }
  .fact{ border-left: none; border-top: 1px solid var(--rule); padding: 20px 0 0; }
  .fact:nth-child(odd){ padding-right: 16px; }
  .fact:nth-child(1), .fact:nth-child(2){ border-top: none; }
}

/* ============================================================
   FILING CARDS ("who this is for" / audience grid)
   ============================================================ */
.section-head{ max-width: 60ch; margin-bottom: 34px; }
.section-head .eyebrow{ margin-bottom: 10px; display: block; }
.section-head p{ margin-top: 10px; }

.filing-grid{
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
.filing-card{
  background: var(--paper-raised);
  border: 1px solid var(--rule);
  padding: 26px 26px 24px;
  text-decoration: none;
  display: block;
  position: relative;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.filing-card:hover{ border-color: var(--gold); transform: translateY(-2px); }
.filing-tag{
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.08em;
  color: var(--gold);
  border: 1px solid var(--gold);
  display: inline-block;
  padding: 3px 8px;
  margin-bottom: 14px;
}
.filing-card h3{ margin-bottom: 8px; color: var(--ink); }
.filing-card p{ font-size: 14.5px; margin-bottom: 14px; }
.filing-more{
  font-family: var(--font-mono);
  font-size: 12.5px;
  color: var(--ink);
  letter-spacing: 0.03em;
}

@media (max-width: 700px){
  .filing-grid{ grid-template-columns: 1fr; }
}

/* ============================================================
   DARK BAND (why it matters)
   ============================================================ */
.band-dark{
  background: var(--ink);
  color: #fff;
}
.band-dark .wrap{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
.band-dark p{ color: var(--slate-on-dark); }
.band-dark h2{ color: #fff; margin-bottom: 16px; }

@media (max-width: 820px){
  .band-dark .wrap{ grid-template-columns: 1fr; gap: 20px; }
}

/* ============================================================
   TEASER LINKS (glossary / faq strip on home)
   ============================================================ */
.teaser-grid{
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
}
.teaser-card{
  border: 1px solid var(--rule);
  padding: 22px 24px;
  text-decoration: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  background: var(--paper-raised);
}
.teaser-card:hover{ border-color: var(--gold); }
.teaser-card h3{ margin-bottom: 4px; }
.teaser-card p{ font-size: 14px; margin: 0; }
.teaser-arrow{ font-family: var(--font-mono); color: var(--gold); font-size: 20px; flex-shrink: 0; }



/* ============================================================
   PAGE HEADER (sub-pages: TPA / stop-loss / captive / employer / faq / glossary / contact)
   ============================================================ */
.page-header{
  padding: 52px 0 40px;
  border-bottom: 1px solid var(--rule);
}
.page-header .eyebrow{ margin-bottom: 12px; display: block; }
.page-header h1{ margin-bottom: 14px; }
.page-header .dek{ font-size: 1.08rem; max-width: 62ch; }

/* ============================================================
   DOCKET SECTIONS (numbered/cited briefing content)
   ============================================================ */
.docket{
  display: flex;
  flex-direction: column;
}
.docket-entry{
  display: grid;
  grid-template-columns: 160px 1fr;
  gap: 32px;
  padding: 36px 0;
  border-bottom: 1px solid var(--rule);
}
.docket-entry:last-child{ border-bottom: none; }
.docket-code{
  font-family: var(--font-mono);
  font-size: 13px;
  color: var(--gold);
  letter-spacing: 0.04em;
  padding-top: 4px;
}
.docket-body h3{ margin-bottom: 10px; }
.docket-body p + p{ margin-top: 12px; }
.docket-body ul{
  margin: 12px 0 0;
  padding-left: 20px;
  color: var(--slate);
}
.docket-body li{ margin-bottom: 8px; font-size: 15.5px; }
.docket-body li::marker{ color: var(--gold); }

@media (max-width: 700px){
  .docket-entry{ grid-template-columns: 1fr; gap: 10px; }
}

/* ============================================================
   CALLOUT (deadlines / watch-outs)
   ============================================================ */
.callout{
  background: var(--brick-tint);
  border-left: 3px solid var(--brick);
  padding: 20px 24px;
  margin: 8px 0 40px;
}
.callout .eyebrow{ color: var(--brick); margin-bottom: 8px; display: block; }
.callout p{ color: var(--ink-soft); margin: 0; font-size: 15px; }

/* ============================================================
   RELATED LINKS (bottom of sub-pages)
   ============================================================ */
.related{
  padding: 40px 0 56px;
}
.related-list{
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  list-style: none;
  margin: 0;
  padding: 0;
}
.related-list a{
  text-decoration: none;
  font-size: 14px;
  border: 1px solid var(--rule);
  padding: 9px 16px;
  display: inline-block;
}
.related-list a:hover{ border-color: var(--gold); color: var(--gold); }

/* ============================================================
   INDUSTRY DOCKET (updates.html — running log, easy to append to)
   ============================================================ */
.update-list{ display: flex; flex-direction: column; }
.update-item{
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--rule);
}
.update-item:first-child{ padding-top: 0; }
.update-item:last-child{ border-bottom: none; }
.update-meta{ display: flex; flex-direction: column; gap: 10px; padding-top: 3px; }
.update-date{
  font-family: var(--font-mono);
  font-size: 12.5px;
  color: var(--ink-soft);
  letter-spacing: 0.03em;
}
.update-tag{
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold);
  display: inline-block;
  align-self: flex-start;
  padding: 3px 8px;
}
.update-tag.tag-litigation{ color: var(--brick); border-color: var(--brick); }
.update-body h3{ margin-bottom: 8px; font-size: 1.1rem; }
.update-body p{ font-size: 15px; }
.update-note{
  font-size: 13px;
  color: var(--slate);
  font-style: italic;
}

@media (max-width: 700px){
  .update-item{ grid-template-columns: 1fr; gap: 10px; }
}

/* ============================================================
   FAQ PAGE
   ============================================================ */
.faq-list{ display: flex; flex-direction: column; }
.faq-item{
  border-bottom: 1px solid var(--rule);
  padding: 24px 0;
}
.faq-item:first-child{ padding-top: 0; }
.faq-q{
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--ink);
  margin-bottom: 10px;
  display: flex;
  gap: 14px;
}
.faq-q .q-mark{ color: var(--gold); font-family: var(--font-mono); font-size: 0.95rem; flex-shrink: 0; }
.faq-a{ padding-left: 30px; }
.faq-a p{ font-size: 15.5px; }

/* ============================================================
   GLOSSARY PAGE
   ============================================================ */
.glossary-list{ display: flex; flex-direction: column; }
.gloss-item{
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 24px;
  padding: 22px 0;
  border-bottom: 1px solid var(--rule);
}
.gloss-term{
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--ink);
}
.gloss-term .abbr{
  display: block;
  font-family: var(--font-mono);
  font-size: 11.5px;
  color: var(--gold);
  margin-top: 4px;
  letter-spacing: 0.04em;
}
.gloss-def{ font-size: 15px; color: var(--slate); }

@media (max-width: 700px){
  .gloss-item{ grid-template-columns: 1fr; gap: 6px; }
}

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
.contact-block h3{ margin-bottom: 10px; }
.contact-block p{ font-size: 15.5px; }
.contact-block a.email{
  font-family: var(--font-mono);
  color: var(--gold);
  text-decoration: none;
  font-size: 15px;
}
@media (max-width: 700px){ .contact-grid{ grid-template-columns: 1fr; gap: 30px; } }

/* ============================================================
   STATISTICS PAGE
   ============================================================ */
.stat-bar-row{
  display: grid;
  grid-template-columns: 100px 1fr 110px;
  gap: 16px;
  align-items: center;
  padding: 9px 0;
}
.stat-bar-label{
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--ink-soft);
}
.stat-bar-track{
  background: var(--rule);
  height: 14px;
  border-radius: 2px;
  overflow: hidden;
}
.stat-bar-fill{ background: var(--gold); height: 100%; }
.stat-bar-value{
  font-family: var(--font-mono);
  font-size: 12.5px;
  color: var(--ink);
  text-align: right;
}
.data-table{
  width: 100%;
  border-collapse: collapse;
  margin-top: 10px;
  font-size: 13.5px;
}
.data-table th, .data-table td{
  padding: 10px 12px;
  border-bottom: 1px solid var(--rule);
  text-align: right;
}
.data-table th:first-child, .data-table td:first-child{ text-align: left; }
.data-table th{
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 500;
}
.data-table tbody tr:hover{ background: var(--paper-raised); }
.table-wrap{ overflow-x: auto; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{
  background: var(--ink);
  color: var(--slate-on-dark);
  padding: 40px 0 32px;
  margin-top: 40px;
}
.footer-top{
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--rule-dark);
  margin-bottom: 20px;
}
.footer-links{
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
  list-style: none;
  margin: 0;
  padding: 0;
  font-size: 13.5px;
}
.footer-publisher{ max-width: 340px; }
.footer-publisher .pub-eyebrow{
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.08em;
  color: var(--gold-soft);
  text-transform: uppercase;
  display: block;
  margin-bottom: 8px;
}
.footer-publisher .pub-name{
  display: inline-block;
  margin-bottom: 12px;
  text-decoration: none;
}
.footer-publisher .pub-name img{
  height: 38px;
  width: auto;
  display: block;
}
.footer-publisher .pub-line{
  font-size: 13.5px;
  color: var(--slate-on-dark);
  line-height: 1.6;
  margin: 0;
}
.footer-publisher a{ color: var(--gold-soft); text-decoration: none; }
.footer-publisher a:hover{ color: #fff; }
.footer-links a{ text-decoration: none; color: var(--slate-on-dark); }
.footer-links a:hover{ color: #fff; }
.footer-disclaimer{
  font-size: 12.5px;
  line-height: 1.6;
  color: #7C8896;
  max-width: 78ch;
}
.footer-meta{
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: #7C8896;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 16px;
}

/* ============================================================
   UTILITY
   ============================================================ */
.center{ text-align: center; }
.mt-0{ margin-top: 0; }
@media (prefers-reduced-motion: reduce){
  *{ scroll-behavior: auto !important; transition: none !important; }
}