/* PropertyIns — Learn hub shared article styles (v6 design system) */
:root{
  --blue:#078BDC;--blue-d:#0670B0;--cyan:#3DBEF0;
  --ink:#0B0E14;--ink-2:#1B2430;--ink-soft:#5B6672;
  --grey-1:#FBFCFD;--grey-2:#F1F4F7;--grey-3:#E4E9EE;
  --line:#E4E9EE;--line-2:#D6DCE2;--white:#FFFFFF;
  --shadow-sm:0 1px 2px rgba(11,14,20,.04),0 4px 12px -4px rgba(11,14,20,.08);
  --shadow:0 24px 60px -32px rgba(11,14,20,.28);
  --glow:0 0 0 1px rgba(7,139,220,.18),0 12px 40px -12px rgba(7,139,220,.35);
  --display:'Space Grotesk',sans-serif;--body:'Inter',sans-serif;--mono:'JetBrains Mono',monospace;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--grey-1);color:var(--ink);font-family:var(--body);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--blue-d);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1160px;margin:0 auto;padding:0 26px}
::selection{background:var(--blue);color:#fff}
.mono{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-soft)}

/* NAV */
header{position:sticky;top:0;z-index:60;background:rgba(251,252,253,.82);-webkit-backdrop-filter:blur(14px); backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{font-family:var(--display);font-weight:700;font-size:19px;letter-spacing:-.02em;display:flex;align-items:center;gap:9px;color:var(--ink)}
.brand .mk{width:22px;height:22px}
.nav-right{display:flex;align-items:center;gap:22px}
.nav-links{display:flex;gap:24px}
.nav-links a{font-size:14px;font-weight:450;color:var(--ink-soft)}
.nav-links a:hover{color:var(--ink);text-decoration:none}
.nav-phone{font-family:var(--mono);font-size:12.5px;color:var(--ink-soft)}
.btn{font-family:var(--body);font-weight:600;font-size:14px;background:var(--blue);color:#fff;padding:10px 18px;border:none;cursor:pointer;border-radius:8px;box-shadow:0 1px 2px rgba(7,139,220,.3);transition:transform .14s,box-shadow .25s,background .2s}
.btn:hover{background:var(--blue-d);transform:translateY(-1px);box-shadow:var(--glow);text-decoration:none}

/* BREADCRUMB */
.breadcrumb{padding:18px 0 0}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;font-family:var(--mono);font-size:11px;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-soft)}
.breadcrumb li::after{content:"/";margin-left:8px;color:var(--line-2)}
.breadcrumb li:last-child::after{content:""}
.breadcrumb a{color:var(--ink-soft)}
.breadcrumb li:last-child{color:var(--blue-d)}

/* ARTICLE HEADER */
.art-head{padding:26px 0 30px;border-bottom:1px solid var(--line)}
.art-head .kicker{color:var(--blue-d);margin-bottom:14px;display:block}
h1{font-family:var(--display);font-weight:700;font-size:clamp(32px,4.6vw,52px);line-height:1.04;letter-spacing:-.03em;margin-bottom:16px;color:var(--ink)}
.art-lede{font-size:19px;line-height:1.6;color:var(--ink-soft);max-width:40em}
.art-meta{display:flex;align-items:center;gap:16px;margin-top:22px;flex-wrap:wrap;font-size:13px;color:var(--ink-soft)}
.art-meta .author{display:flex;align-items:center;gap:10px}
.art-meta .avatar{width:38px;height:38px;border-radius:50%;background:linear-gradient(145deg,var(--blue),var(--cyan));display:flex;align-items:center;justify-content:center;color:#fff;font-family:var(--display);font-weight:700;font-size:15px}
.art-meta .author b{color:var(--ink);font-weight:600}
.art-meta .dot{width:4px;height:4px;border-radius:50%;background:var(--line-2)}

/* LAYOUT: content + sidebar */
.art-layout{display:grid;grid-template-columns:1fr 300px;gap:56px;padding:44px 0 60px;align-items:start}
.art-body{min-width:0}

/* TOC sidebar */
.sidebar{position:sticky;top:88px;display:block;align-self:start;min-width:0}
.toc{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px;width:100%;box-sizing:border-box;height:auto;overflow:visible}
.toc h4{font-family:var(--mono);font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:14px}
.toc ol{list-style:none;counter-reset:toc;margin:0;padding:0}
.toc li{counter-increment:toc;margin-bottom:10px;font-size:13.5px;line-height:1.4}
.toc li a{color:var(--ink-2);display:flex;gap:9px;align-items:baseline;text-decoration:none}
.toc li a::before{content:counter(toc,decimal-leading-zero);font-family:var(--mono);font-size:11px;color:var(--blue-d);flex-shrink:0}
.toc li a:hover{color:var(--blue-d);text-decoration:none}
.side-cta{background:linear-gradient(160deg,var(--ink),var(--ink-2));border-radius:14px;padding:24px;color:#fff;position:relative;overflow:hidden;width:100%;box-sizing:border-box;margin-top:20px}
.side-cta::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 80% 0%,rgba(61,190,240,.25),transparent 60%)}
.side-cta .in{position:relative}
.side-cta h4{font-family:var(--display);font-weight:700;font-size:19px;margin-bottom:8px;letter-spacing:-.01em}
.side-cta p{font-size:13.5px;color:#c9d2dc;margin-bottom:16px;line-height:1.5}
.side-cta .btn{width:100%;justify-content:center;display:flex}

/* ARTICLE TYPOGRAPHY */
.art-body h2{font-family:var(--display);font-weight:700;font-size:clamp(24px,2.8vw,32px);line-height:1.12;letter-spacing:-.02em;margin:44px 0 16px;scroll-margin-top:84px}
.art-body h2:first-child{margin-top:0}
.art-body h3{font-family:var(--display);font-weight:600;font-size:20px;line-height:1.2;margin:28px 0 12px;letter-spacing:-.01em}
.art-body p{font-size:16.5px;color:var(--ink-2);margin-bottom:18px}
.art-body ul,.art-body ol{margin:0 0 18px 0;padding-left:22px}
.art-body li{font-size:16.5px;color:var(--ink-2);margin-bottom:10px;padding-left:4px}
.art-body strong{color:var(--ink);font-weight:600}
.art-body a{font-weight:500}
.art-body .lead-answer{font-size:18px;line-height:1.6;color:var(--ink);background:var(--white);border:1px solid var(--line);border-left:3px solid var(--blue);border-radius:0 12px 12px 0;padding:20px 24px;margin-bottom:28px}

/* CALLOUT */
.callout{background:var(--grey-2);border:1px solid var(--line);border-radius:14px;padding:22px 24px;margin:26px 0}
.callout .tag{font-family:var(--mono);font-size:10px;letter-spacing:.09em;text-transform:uppercase;color:var(--blue-d);margin-bottom:8px;display:block}
.callout p:last-child{margin-bottom:0}
.callout.warn{background:#fff7f2;border-color:#f5d9c8}
.callout.warn .tag{color:#b0521a}

/* TABLE */
.art-body .tbl{width:100%;border-collapse:collapse;margin:24px 0;font-size:15px;background:var(--white);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.art-body .tbl th{background:var(--grey-2);text-align:left;padding:13px 16px;font-family:var(--display);font-weight:600;font-size:14px;color:var(--ink);border-bottom:1px solid var(--line)}
.art-body .tbl td{padding:13px 16px;border-bottom:1px solid var(--line);color:var(--ink-2);vertical-align:top}
.art-body .tbl tr:last-child td{border-bottom:none}

/* INLINE CTA */
.cta-inline{background:linear-gradient(160deg,var(--ink),var(--ink-2));border-radius:16px;padding:32px;margin:36px 0;position:relative;overflow:hidden;text-align:center}
.cta-inline::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 120% at 50% 0%,rgba(61,190,240,.18),transparent 60%)}
.cta-inline .in{position:relative}
.cta-inline h3{font-family:var(--display);font-weight:700;font-size:23px;color:#fff;margin-bottom:8px;letter-spacing:-.01em}
.cta-inline p{color:#c9d2dc;font-size:15px;margin-bottom:18px;max-width:34em;margin-left:auto;margin-right:auto}
.cta-inline .btn{font-size:15px;padding:13px 26px;box-shadow:var(--glow)}

/* FAQ */
.faq{margin:40px 0 0}
.faq h2{margin-bottom:20px}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;background:var(--white);overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:18px 22px;font-family:var(--display);font-weight:600;font-size:16.5px;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-q . chevron,.faq-q .chev{flex-shrink:0;transition:transform .25s;color:var(--blue)}
.faq-item.open .chev{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;padding:0 22px}
.faq-item.open .faq-a{max-height:600px;padding:0 22px 20px}
.faq-a p{font-size:15.5px;color:var(--ink-2);margin:0}

/* RELATED */
.related{border-top:1px solid var(--line);padding:40px 0 0;margin-top:44px}
.related h4{font-family:var(--mono);font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:18px}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.related-card{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:20px;transition:transform .2s,box-shadow .2s,border-color .2s;display:block}
.related-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--line-2);text-decoration:none}
.related-card .k{font-family:var(--mono);font-size:10px;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-d);margin-bottom:8px}
.related-card h5{font-family:var(--display);font-weight:600;font-size:16px;color:var(--ink);line-height:1.25;margin-bottom:6px}
.related-card p{font-size:13.5px;color:var(--ink-soft);line-height:1.45}

/* DISCLAIMER + FOOTER */
.art-disclaimer{background:var(--grey-2);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:40px 0 0;font-size:13px;color:var(--ink-soft);line-height:1.6}
footer{background:var(--white);border-top:1px solid var(--line);padding:56px 0 30px;margin-top:60px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:38px;margin-bottom:42px}
footer .brand{margin-bottom:14px}
footer .fdesc{font-size:14px;color:var(--ink-soft);max-width:26em;line-height:1.6}
.fcol h4{font-family:var(--mono);font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--blue-d);margin-bottom:14px}
.fcol a{display:block;font-size:14px;color:var(--ink-soft);margin-bottom:9px}
.fcol a:hover{color:var(--ink)}
.fdisc{border-top:1px solid var(--line);padding-top:24px;font-size:12px;line-height:1.65;color:#7c8794}
.fdisc p{margin-bottom:10px}
.fmeta{font-family:var(--mono);font-size:11px;color:#98a2ad;margin-top:16px}

@media(max-width:920px){
  .art-layout{grid-template-columns:1fr;gap:0}
  .sidebar{position:static;flex-direction:row;flex-wrap:wrap;margin-bottom:32px}
  .toc{flex:1;min-width:260px}
  .side-cta{flex:1;min-width:260px}
  .related-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr;gap:26px}
  .nav-phone,.nav-links{display:none}
}

/* ---- CLAIM SCENARIOS ---- */
.scenario{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:0;margin:28px 0;overflow:hidden;box-shadow:var(--shadow-sm)}
.scenario-head{display:flex;align-items:center;gap:12px;padding:16px 22px;background:var(--grey-2);border-bottom:1px solid var(--line)}
.scenario-head .badge-s{font-family:var(--mono);font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:#fff;background:var(--blue);padding:4px 9px;border-radius:5px}
.scenario-head h4{font-family:var(--display);font-weight:600;font-size:17px;color:var(--ink);margin:0}
.scenario-body{padding:20px 22px}
.scenario-body .row{display:grid;grid-template-columns:110px 1fr;gap:14px;padding:10px 0;border-bottom:1px dashed var(--line)}
.scenario-body .row:last-of-type{border-bottom:none}
.scenario-body .row .lbl{font-family:var(--mono);font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft);padding-top:2px}
.scenario-body .row .val{font-size:15.5px;color:var(--ink-2)}
.scenario-body .row .val strong{color:var(--ink)}
.scenario-outcome{margin-top:14px;padding:14px 16px;border-radius:10px;background:rgba(7,139,220,.06);border:1px solid rgba(7,139,220,.16);font-size:15px;color:var(--ink-2)}
.scenario-outcome.gap{background:#fff7f2;border-color:#f5d9c8}
.scenario-note{font-family:var(--mono);font-size:10.5px;color:var(--ink-soft);padding:12px 22px;background:var(--grey-1);border-top:1px solid var(--line);line-height:1.5}

/* ---- DIAGRAMS ---- */
.diagram{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:26px;margin:28px 0;box-shadow:var(--shadow-sm)}
.diagram .dcap{font-family:var(--mono);font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);margin-top:14px;text-align:center}
.diagram svg{width:100%;height:auto;display:block}
.dg-struct{fill:none;stroke:var(--ink-2);stroke-width:2;stroke-linejoin:round}
.dg-cover{fill:rgba(7,139,220,.10);stroke:var(--blue);stroke-width:1.5}
.dg-excl{fill:rgba(176,82,26,.08);stroke:#b0521a;stroke-width:1.5;stroke-dasharray:5 4}
.dg-label{font-family:var(--body);font-size:12px;fill:var(--ink-2);font-weight:500}
.dg-tag{font-family:var(--mono);font-size:9.5px;fill:var(--ink-soft);letter-spacing:.04em}
.dg-key{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;margin-top:16px;font-size:12.5px;color:var(--ink-2)}
.dg-key span{display:flex;align-items:center;gap:7px}
.dg-key .sw{width:14px;height:14px;border-radius:3px}
.dg-key .sw.cov{background:rgba(7,139,220,.2);border:1.5px solid var(--blue)}
.dg-key .sw.exc{background:rgba(176,82,26,.12);border:1.5px dashed #b0521a}

/* comparison two-col */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:26px 0}
.compare .col{border-radius:14px;padding:22px;border:1px solid var(--line)}
.compare .col.yes{background:rgba(7,139,220,.05);border-color:rgba(7,139,220,.2)}
.compare .col.no{background:#fdf6f1;border-color:#f0dccb}
.compare .col h4{font-family:var(--display);font-weight:600;font-size:16px;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.compare .col.yes h4{color:var(--blue-d)}
.compare .col.no h4{color:#b0521a}
.compare .col ul{list-style:none;padding:0;margin:0}
.compare .col li{font-size:14.5px;color:var(--ink-2);padding:6px 0 6px 22px;position:relative;margin:0}
.compare .col.yes li::before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:700}
.compare .col.no li::before{content:"✕";position:absolute;left:0;color:#b0521a;font-weight:700}
@media(max-width:560px){.compare{grid-template-columns:1fr}.scenario-body .row{grid-template-columns:1fr}}

/* Unbuilt cross-links rendered as non-clickable cues */
.soon-link{color:var(--ink-soft);border-bottom:1px dotted var(--line-2);cursor:default}
.related-card.soon-card{cursor:default;opacity:.6}
.related-card.soon-card:hover{transform:none;box-shadow:none;border-color:var(--line)}
.related-card.soon-card h5::after{content:" · soon";font-family:var(--mono);font-size:10px;color:var(--ink-soft);letter-spacing:.04em}

/* SAFETY: reveal content appears even if JS fails */
@keyframes _forceReveal{to{opacity:1;transform:none}}
.reveal{animation:_forceReveal 0s linear 1.2s forwards}
.reveal.in{opacity:1;transform:none;animation:none}

/* ===== TOP-TIER POLISH (article pages) ===== */
h1,h2,.art-body h2{text-wrap:balance}
.art-body p,.art-lede{text-wrap:pretty}
.related-card{transition:transform .35s cubic-bezier(.16,1,.3,1),box-shadow .35s cubic-bezier(.16,1,.3,1),border-color .3s}
.related-card:hover{transform:translateY(-5px)}
.faq-item{transition:box-shadow .3s,border-color .3s}
.faq-item:hover{border-color:var(--line-2)}
.gl-entry{transition:background .2s}
.gl-entry:target{background:rgba(7,139,220,.06);border-radius:8px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--blue);outline-offset:2px;border-radius:6px}
::-webkit-scrollbar{width:12px;height:12px}
::-webkit-scrollbar-thumb{background:var(--line-2);border-radius:10px;border:3px solid var(--grey-1)}
::-webkit-scrollbar-thumb:hover{background:var(--ink-soft)}

/* CSS-VERSION: v9-toc-autoheight */

/* ===== PERIL STATUS GRID (natural disasters) ===== */
.peril-grid{display:flex;flex-direction:column;gap:10px;margin:24px 0}
.peril-row{display:grid;grid-template-columns:180px 200px 1fr;gap:16px;align-items:center;padding:14px 18px;background:var(--white);border:1px solid var(--line);border-radius:12px}
.peril-name{font-family:var(--display);font-weight:600;font-size:15px;color:var(--ink)}
.peril-status{font-family:var(--mono);font-size:11px;letter-spacing:.03em;font-weight:500;padding:5px 10px;border-radius:6px;text-align:center;white-space:nowrap}
.peril-status.covered{background:rgba(5,150,105,.12);color:#047857}
.peril-status.conditional{background:rgba(217,119,6,.12);color:#b45309}
.peril-status.excluded{background:rgba(220,38,38,.1);color:#b91c1c}
.peril-note{font-size:13.5px;color:var(--ink-soft);line-height:1.45}
.peril-disclaimer{font-size:12.5px;color:var(--ink-soft);font-style:italic;margin-top:14px}
@media(max-width:720px){.peril-row{grid-template-columns:1fr;gap:6px}.peril-status{justify-self:start}}

/* ===== MITIGATION GRID (risk prevention) ===== */
.mit-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:24px 0}
.mit-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px;transition:transform .3s cubic-bezier(.16,1,.3,1),box-shadow .3s,border-color .3s}
.mit-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--line-2)}
.mit-card h4{font-family:var(--display);font-weight:600;font-size:17px;color:var(--ink);margin-bottom:9px}
.mit-card p{font-size:14px;color:var(--ink-soft);line-height:1.5;margin-bottom:14px}
.mit-link{font-family:var(--mono);font-size:12px;letter-spacing:.03em;color:var(--blue-d);font-weight:500}
.mit-link:hover{color:var(--blue)}
@media(max-width:720px){.mit-grid{grid-template-columns:1fr}}

/* ===== PERILS NAV DROPDOWN ===== */
.nav-dd{position:relative;display:inline-block}
.nav-dd-btn{font-family:inherit;font-size:inherit;color:inherit;background:none;border:none;cursor:pointer;padding:0;display:inline-flex;align-items:center;gap:4px;font-weight:inherit}
.nav-dd-caret{font-size:9px;transition:transform .2s}
.nav-dd:hover .nav-dd-caret,.nav-dd.open .nav-dd-caret{transform:rotate(180deg)}
.nav-dd-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(6px);background:var(--white,#fff);border:1px solid var(--line,#e5e9ef);border-radius:12px;box-shadow:0 12px 32px -8px rgba(9,12,18,.18);padding:8px;min-width:210px;opacity:0;visibility:hidden;transition:opacity .18s,transform .18s;z-index:80}
.nav-dd:hover .nav-dd-menu,.nav-dd.open .nav-dd-menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(4px)}
.nav-dd-menu a{display:block;padding:9px 12px;border-radius:8px;font-size:14px;color:var(--ink-2,#3a4a5a);white-space:nowrap;transition:background .15s}
.nav-dd-menu a:hover{background:var(--grey-1,#f5f7fa);text-decoration:none}
@media(max-width:820px){.nav-dd-menu{position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;border:none;padding:4px 0 4px 14px;min-width:0}.nav-dd-caret{display:none}}


/* ===== HELP / CONTACT PAGE ===== */
.help-cta-row{display:flex;gap:14px;flex-wrap:wrap;margin:26px 0 8px}
.btn-primary-lg{display:inline-flex;align-items:center;justify-content:center;padding:15px 30px;background:var(--blue);color:#fff;border-radius:11px;font-weight:600;font-size:16px;transition:transform .2s,box-shadow .2s}
.btn-primary-lg:hover{transform:translateY(-2px);box-shadow:0 10px 26px -8px rgba(7,139,220,.5);text-decoration:none;color:#fff}
.btn-ghost-lg{display:inline-flex;align-items:center;justify-content:center;padding:15px 30px;background:transparent;color:var(--ink);border:1.5px solid var(--line-2);border-radius:11px;font-weight:600;font-size:16px;transition:border-color .2s,background .2s}
.btn-ghost-lg:hover{border-color:var(--blue);background:var(--grey-1);text-decoration:none;color:var(--ink)}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.contact-card{background:var(--white);border:1px solid var(--line);border-radius:14px;padding:22px;transition:transform .3s,box-shadow .3s,border-color .3s}
.contact-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--line-2)}
.contact-card .k{font-family:var(--mono);font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:var(--blue-d);margin-bottom:8px}
.contact-card h4{font-family:var(--display);font-weight:600;font-size:16px;margin-bottom:7px;color:var(--ink)}
.contact-card p{font-size:13.5px;color:var(--ink-soft);line-height:1.5;margin-bottom:12px}
@media(max-width:720px){.contact-grid{grid-template-columns:1fr}.help-cta-row .btn-primary-lg,.help-cta-row .btn-ghost-lg{width:100%}}

/* ===== HELP BAND (footer area, all pages) ===== */
.help-band{background:linear-gradient(135deg,var(--ink),var(--ink-2));border-radius:18px;padding:38px 40px;margin:8px 0 0;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.help-band-text h3{font-family:var(--display);font-weight:600;font-size:21px;color:#fff;margin-bottom:6px}
.help-band-text p{font-size:14.5px;color:rgba(255,255,255,.72);line-height:1.5;max-width:520px}
.help-band-text a{color:#fff;text-decoration:underline}
.help-band-cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.help-band .btn{display:inline-flex;align-items:center;padding:13px 26px;background:var(--blue);color:#fff;border-radius:10px;font-weight:600;white-space:nowrap;transition:transform .2s}
.help-band .btn:hover{transform:translateY(-2px);text-decoration:none;color:#fff}
.help-band .btn-phone{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2)}
@media(max-width:720px){.help-band{padding:28px 24px;flex-direction:column;align-items:flex-start}.help-band .btn{width:auto}}

/* ===== ISO CONSTRUCTION CLASS GRID ===== */
.class-grid{display:flex;flex-direction:column;gap:10px;margin:24px 0}
.class-row{display:flex;align-items:flex-start;gap:16px;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.class-num{flex-shrink:0;width:34px;height:34px;border-radius:9px;background:var(--blue);color:#fff;font-family:var(--display);font-weight:600;font-size:16px;display:flex;align-items:center;justify-content:center}
.class-body h4{font-family:var(--display);font-weight:600;font-size:15.5px;color:var(--ink);margin-bottom:4px}
.class-body p{font-size:13.5px;color:var(--ink-soft);line-height:1.5;margin:0}

/* ===== FEMA FLOOD ZONE GRID ===== */
.zone-grid{display:flex;flex-direction:column;gap:10px;margin:22px 0}
.zone-row{display:grid;grid-template-columns:110px 150px 1fr;gap:16px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:14px 18px}
.zone-code{font-family:var(--mono);font-size:12px;font-weight:600;padding:6px 10px;border-radius:7px;text-align:center;white-space:nowrap}
.zone-code.high{background:rgba(220,38,38,.1);color:#b91c1c}
.zone-code.coastal{background:rgba(147,51,234,.1);color:#7e22ce}
.zone-code.mod{background:rgba(217,119,6,.12);color:#b45309}
.zone-code.low{background:rgba(5,150,105,.12);color:#047857}
.zone-code.und{background:var(--grey-1);color:var(--ink-soft)}
.zone-prob{font-family:var(--mono);font-size:12px;color:var(--ink-2);white-space:nowrap}
.zone-desc{font-size:13.5px;color:var(--ink-soft);line-height:1.45}
@media(max-width:720px){.zone-row{grid-template-columns:1fr;gap:6px}.zone-code,.zone-prob{justify-self:start}}