/* Clear Reverse: shared styles */
:root{--brand:#1E4E8C;--brand-d:#163A6B;--brand-l:#2A63A8;--accent:#E0A526;--accent-d:#D4931A;--on-accent:#102A4C;--bg:#FFFFFF;--tint:#F3F6FA;--tint-2:#E8EEF6;--ink:#1F2933;--muted:#52606D;--card:#fff;--line:#D9E2EC;--field:#7B8A9C;--foot:#0F2747;--err:#b3261e;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:18px;line-height:1.6;color:var(--ink);background:var(--bg)}
a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:2px}
img{max-width:100%}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
/* header */
header.top{background:var(--brand-d);color:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 20px;flex-wrap:wrap}
.logo{font-weight:800;font-size:21px;color:#fff;text-decoration:none;letter-spacing:.2px}
.logo span{color:var(--accent)}
nav.main{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
nav.main a{color:#E6EEF8;text-decoration:none;font-size:16px}
nav.main a:hover{color:#fff;text-decoration:underline}
nav.main a.pill{border:1px solid rgba(255,255,255,.55);padding:7px 14px;border-radius:999px;color:#fff}
/* hero */
.hero{background:linear-gradient(160deg,var(--brand-d) 0%,var(--brand) 55%,var(--brand-l) 140%);color:#fff;padding:46px 0 60px}
.hero .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}
.hero h1{font-size:clamp(30px,4.4vw,46px);line-height:1.15;margin:0 0 14px}
.hero p.lead{font-size:20px;opacity:.95;margin:0 0 18px}
.ticks{list-style:none;padding:0;margin:0 0 20px}
.ticks li{padding-left:30px;position:relative;margin:8px 0}
.ticks li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:800}
.note-hero{font-size:14px;opacity:.85}
.page-hero{background:var(--brand);color:#fff;padding:34px 0 30px}
.page-hero h1{margin:0 0 8px;font-size:clamp(28px,3.8vw,40px);line-height:1.2}
.page-hero p{margin:0;opacity:.92}
.crumbs{font-size:14px;opacity:.85;margin-bottom:8px}.crumbs a{color:#fff}
/* cards & widgets */
.card{background:var(--card);color:var(--ink);border-radius:var(--r);box-shadow:0 10px 30px rgba(15,39,71,.16);padding:24px}
.card h2{margin:0 0 4px;font-size:22px;color:var(--brand-d)}
.badge{display:inline-block;background:#FDF3DC;color:#7A5200;font-size:13px;font-weight:700;padding:3px 10px;border-radius:999px;margin-bottom:10px}
label{display:block;font-weight:600;font-size:16px;margin:14px 0 6px}
input[type=text],input[type=email],input[type=tel],input[type=number],select{width:100%;font-size:18px;padding:12px 14px;border:1.5px solid var(--field);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus{outline:3px solid rgba(30,78,140,.35);border-color:var(--brand)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.btn{display:inline-block;width:100%;text-align:center;text-decoration:none;border:0;cursor:pointer;background:var(--accent);color:var(--on-accent);font-size:19px;font-weight:700;padding:15px 18px;border-radius:12px;margin-top:18px;transition:background .15s}
.btn:hover{background:var(--accent-d);color:var(--on-accent)}
.btn:focus-visible{outline:3px solid var(--brand-d);outline-offset:2px}
.btn[disabled]{opacity:.7;cursor:wait}
.btn.secondary{background:var(--tint-2);color:var(--brand-d)}
.btn.secondary:hover{background:#D9E2EC;color:var(--brand-d)}
.btn-row{display:flex;gap:10px}.btn-row .btn{flex:1}
.result{margin-top:16px;padding:16px;border-radius:12px;background:#EAF1FA;border:1px solid #C5D6EC;display:none}
.result .big{font-size:28px;font-weight:800;color:var(--brand-d)}
.result small{display:block;color:var(--muted);font-size:14px;margin-top:6px}
.result.warn{background:#fff6f5;border-color:#f1cfca}
.err{color:var(--err);font-size:15px;margin-top:6px}
.progress{display:flex;gap:6px;margin:8px 0 4px}
.progress div{flex:1;height:6px;border-radius:6px;background:#DDE5EF}
.progress div.on{background:var(--brand)}
.stepnote{font-size:14px;color:var(--muted)}
.step{display:none}.step.active{display:block}
.consent{display:flex;gap:10px;align-items:flex-start;margin-top:16px;font-size:14px;line-height:1.45;color:#3E4C59;background:#F5F7FA;border:1px solid #DDE5EF;border-radius:10px;padding:12px}
.consent input{width:22px;height:22px;margin-top:2px;flex:0 0 auto}
.consent label{margin:0;font-weight:400;font-size:14px}
.radio-row{display:flex;gap:10px}
.radio-row label{flex:1;display:flex;gap:8px;align-items:center;border:1.5px solid var(--field);border-radius:10px;padding:10px 12px;margin:0;font-weight:500;cursor:pointer}
.thanks{display:none;text-align:center;padding:6px 0}
.thanks .check{font-size:46px;color:var(--brand)}
.hp{position:absolute;left:-9999px;height:0;width:0;overflow:hidden}
/* sections */
section{padding:52px 0}
h2.sec{font-size:clamp(26px,3.2vw,34px);color:var(--brand-d);margin:0 0 10px;line-height:1.25}
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.tile{background:#fff;border-radius:var(--r);padding:22px;border:1px solid var(--line)}
.tile h3{margin:0 0 8px;color:var(--brand-d);font-size:20px}
.tile a.more{font-weight:700;text-decoration:underline;text-underline-offset:3px}
.white{background:var(--tint)}.white .tile{background:#fff}
/* article */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:36px;align-items:start;padding:36px 20px}
article h2{color:var(--brand-d);font-size:27px;margin:34px 0 8px;line-height:1.3}
article h3{color:var(--brand-d);font-size:21px;margin:24px 0 6px}
article table{width:100%;border-collapse:collapse;margin:14px 0;font-size:16px;background:#fff}
article th,article td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}
article th{background:var(--tint-2)}
.callout{background:#fff;border-left:5px solid var(--accent);border-radius:8px;padding:14px 18px;margin:18px 0}
.keytake{background:#EAF1FA;border-radius:12px;padding:16px 20px;margin:0 0 18px}
.keytake ul{margin:6px 0 0;padding-left:20px}
.sticky{position:sticky;top:16px}
.cta-band{background:var(--brand-d);color:#fff;border-radius:var(--r);padding:26px;margin:30px 0;text-align:center}
.cta-band h2{color:#fff;margin:0 0 6px}
.cta-band .btn{max-width:340px}
.related{margin-top:30px}.related ul{padding-left:20px}
.updated{font-size:14px;color:var(--muted)}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}
summary{font-weight:700;cursor:pointer;color:var(--brand-d)}
.legal-banner{background:#FFF6E0;border:1px solid #E8C268;padding:12px 16px;border-radius:10px;margin:18px 0;font-size:16px}
/* footer */
footer{background:var(--foot);color:#C9D6E6;font-size:14px;padding:36px 0}
footer p{margin:8px 0}
footer a{color:#fff}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:14px}
@media (max-width:900px){.hero .grid,.cols3,.article-grid{grid-template-columns:1fr}.sticky{position:static}}
@media (max-width:420px){.row2{grid-template-columns:1fr}nav.main a:not(.pill){display:none}}
@media print{header.top,footer,.sticky,.cta-band,[data-qo-widget]{display:none}}

/* Clear Reverse 2026-10-30: soft CTA, intro estimator link, optional field note, submit error */
.est-link{margin:6px 0 18px;font-weight:600}
.soft-cta{margin:12px 0 0;font-size:16px}
.soft-cta a{color:inherit}
.opt{font-weight:400;font-size:15px;color:var(--muted)}
.submit-err{background:#fdecea;border:1px solid var(--err);border-radius:10px;padding:12px 14px;margin:10px 0;color:var(--err)}
.submit-err a{color:var(--err);font-weight:700}
.guide-only-note{background:#FFF6E0;border:1px solid #E8C268;border-radius:10px;padding:10px 12px;font-size:16px;margin:8px 0}
[hidden]{display:none!important}
.cta-band a:not(.btn){color:#fff}
/* svg logo (apply_logo.py) */
.logo{display:inline-flex;align-items:center;line-height:0;border-radius:6px}
.logo img{display:block;height:36px;width:auto}
.logo:focus-visible{outline:3px solid #fff;outline-offset:4px}
.foot-logo{margin:0 0 18px;line-height:0}
.foot-logo img{display:block;height:30px;width:auto}
@media (max-width:420px){.logo img{height:32px}}
/* share row (apply_social_meta.py) */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.share{margin:30px 0 8px;padding:18px 0 4px;border-top:1px solid var(--line)}
.share-title{font-weight:700;color:var(--brand-d);font-size:19px;margin:0 0 10px}
.share-list{list-style:none;display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0}
.share-btn{display:inline-flex;align-items:center;min-height:48px;min-width:48px;padding:10px 18px;font-size:18px;font-weight:600;color:var(--brand);background:#fff;border:2px solid var(--brand);border-radius:12px;text-decoration:none}
.share-btn:hover{background:var(--tint-2);color:var(--brand-d)}
.share-btn:focus-visible{outline:3px solid var(--brand-d);outline-offset:2px}
.share-status{min-height:1.6em;margin:8px 0 0;font-size:16px;color:var(--brand)}
@media print{.share{display:none}}

/* content-20261031 (apply_content_20261031.py) */
.cta-inline{background:var(--tint);border:1px solid var(--line);border-left:6px solid var(--accent);border-radius:var(--r);padding:16px 18px;margin:22px 0}
.cta-inline p{margin:0 0 4px;font-size:18px;line-height:1.5}
.cta-inline .btn,.next-step .btn,.page-cta .btn{width:auto;min-width:260px;min-height:48px;margin-top:12px}
.next-step{background:var(--tint-2);border-radius:var(--r);padding:20px 22px;margin:30px 0}
.next-step h2{margin-top:0}
.page-cta{text-align:center;padding:28px 0}
.page-cta p{font-size:18px;max-width:640px;margin:0 auto 6px}
@media (max-width:640px){.cta-inline .btn,.next-step .btn,.page-cta .btn{width:100%;min-width:0}}
/* /content-20261031 */