/* Layout: light, airy civic landing page — white and pale-sky bands with soft blob shapes, flat illustrations of Maryland's teachers and first responders, bracketed centered section titles, stacked white cards. Deliberately single light theme. */
:root {
  --bg: #ffffff;
  --tint: #eef5fb;
  --cream: #fdf7e8;
  --surface: #ffffff;
  --ink: #1f2a37;
  --muted: #4f5d6b;
  --line: #dbe5ee;
  --navy: #1f4e79;
  --navy-deep: #173b5c;
  --gold: #e3a21a;
  --gold-ink: #8a5d00;
  --gold-soft: #fdf1d6;
  --red: #b3261e;
  --on-dark: #ffffff;
  --ok: #1f7a4d;
  --warn: #9a6100;
  --font-display: "Barlow Condensed", "Arial Narrow", "Roboto Condensed", sans-serif;
  --font-body: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  --radius: 12px;
  --wrap: 1120px;
  color-scheme: light;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font-body); font-size: 17px; line-height: 1.6; }
img { max-width: 100%; }
a { color: var(--navy); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding-inline: 20px; }
h1, h2, h3 { font-family: var(--font-display); line-height: 1.05; text-wrap: balance; margin: 0; letter-spacing: .005em; }
h2 { font-size: clamp(30px, 4.2vw, 44px); font-weight: 700; text-transform: uppercase; }
h3 { font-size: 22px; font-weight: 700; }
p { margin: 0; }
.eyebrow { font-family: var(--font-display); font-weight: 600; text-transform: uppercase; letter-spacing: .12em; font-size: 15px; color: var(--gold-ink); }
.lede { color: var(--muted); max-width: 62ch; font-size: 18px; }
.num { font-variant-numeric: tabular-nums; }

/* Banner + header */
.banner { background: var(--red); color: #fff; font-size: 15px; }
.banner .wrap { padding-block: 9px; display: flex; gap: 8px; flex-wrap: wrap; align-items: center; justify-content: center; text-align: center; }
.banner a { color: #fff; font-weight: 700; }
.site-header { background: var(--navy-deep); color: var(--on-dark); position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20; border-bottom: 3px solid var(--gold); }
.site-header .wrap { display: flex; align-items: center; gap: 20px; padding-block: 12px; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--on-dark); text-decoration: none; margin-right: auto; }
.brand svg { flex: none; }
.brand b { font-family: var(--font-display); font-size: 25px; font-weight: 700; text-transform: uppercase; letter-spacing: .02em; line-height: 1; display: block; }
.brand small { display: block; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; opacity: .75; line-height: 1.2; }
.nav { display: flex; gap: 22px; }
.nav a { color: var(--on-dark); text-decoration: none; font-weight: 600; font-size: 15px; opacity: .88; }
.nav a:hover { opacity: 1; text-decoration: underline; text-underline-offset: 4px; }
@media (max-width: 860px) { .nav { display: none; } }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-family: var(--font-display); font-weight: 700; text-transform: uppercase; letter-spacing: .06em; font-size: 19px; padding: 13px 24px; border-radius: 6px; border: 0; cursor: pointer; text-decoration: none; background: var(--gold); color: #1a1406 !important; transition: transform .12s ease, box-shadow .12s ease; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 6px 16px rgb(0 0 0 / .18); }
.btn.sm { font-size: 16px; padding: 9px 16px; }
.btn.ghost { background: transparent; color: var(--ink) !important; border: 2px solid var(--line); }
.btn.block { width: 100%; }

/* Hero */
.hero { background: linear-gradient(180deg, var(--navy-deep) 0%, var(--navy) 100%); color: var(--on-dark); position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; inset: auto 0 0 0; height: 10px; background: repeating-linear-gradient(135deg, var(--gold) 0 18px, var(--navy-deep) 18px 36px); opacity: .9; }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 48px; padding-block: 56px 72px; align-items: center; }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: minmax(0, 1fr); gap: 32px; padding-block: 36px 56px; } }
.hero .eyebrow { color: var(--gold); }
.hero h1 { font-size: clamp(42px, 6.6vw, 76px); font-weight: 800; text-transform: uppercase; margin-block: 12px 18px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero .lede { color: #d4dde6; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; margin-top: 26px; }
.hero-cta span { font-size: 14px; color: #b8c6d3; }
.hero-facts { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 26px; padding: 0; list-style: none; font-size: 15px; color: #d4dde6; }
.hero-facts li { display: flex; gap: 8px; align-items: center; }
.hero-facts li::before { content: ""; width: 8px; height: 8px; background: var(--gold); transform: rotate(45deg); flex: none; }

/* Calculator card */
.calc { background: var(--surface); color: var(--ink); border-radius: var(--radius); padding: 24px; box-shadow: 0 18px 40px rgb(0 0 0 / .28); }
.calc h2 { font-size: 26px; }
.calc .row { display: grid; gap: 6px; margin-top: 16px; }
.calc label { font-weight: 600; font-size: 15px; }
.calc .money-in { display: flex; align-items: center; border: 2px solid var(--line); border-radius: 6px; background: var(--bg); }
.calc .money-in span { padding-left: 12px; color: var(--muted); font-weight: 600; }
.calc input[type=number], .calc select { width: 100%; font: inherit; font-size: 18px; padding: 10px 12px; border: 0; background: transparent; color: var(--ink); font-variant-numeric: tabular-nums; }
.calc select { border: 2px solid var(--line); border-radius: 6px; background: var(--bg); }
.calc input[type=range] { width: 100%; accent-color: var(--gold); }
.calc-out { margin-top: 20px; border-top: 2px dashed var(--line); padding-top: 16px; display: grid; gap: 6px; }
.calc-out .big { font-family: var(--font-display); font-size: 54px; font-weight: 800; line-height: 1; color: var(--gold-ink); }
.calc-out .sub { font-size: 15px; color: var(--muted); }
.calc-out dl { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; margin: 8px 0 0; font-size: 15px; }
.calc-out dt { color: var(--muted); }
.calc-out dd { margin: 0; text-align: right; font-weight: 600; font-variant-numeric: tabular-nums; }
.calc .fine { font-size: 12.5px; color: var(--muted); margin-top: 12px; }

/* Sections */
section.band { padding-block: 72px; }
section.band.alt { background: var(--surface); border-block: 1px solid var(--line); }
.section-head { display: grid; gap: 12px; margin-bottom: 36px; }

.roles { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
@media (max-width: 900px) { .roles { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 460px) { .roles { grid-template-columns: minmax(0, 1fr); } }
.role { border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; background: var(--surface); display: grid; gap: 8px; align-content: start; }
.role svg { width: 34px; height: 34px; color: var(--navy); }
.role p { font-size: 15px; color: var(--muted); }

.glance { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); border: 2px solid var(--navy-deep); border-radius: var(--radius); overflow: hidden; background: var(--surface); }
@media (max-width: 900px) { .glance { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.glance div { padding: 22px; border-right: 1px solid var(--line); display: grid; gap: 4px; }
.glance div:last-child { border-right: 0; }
@media (max-width: 900px) { .glance div:nth-child(2) { border-right: 0; } .glance div:nth-child(-n+2) { border-bottom: 1px solid var(--line); } }
.glance strong { font-family: var(--font-display); font-size: 44px; line-height: 1; font-weight: 800; color: var(--navy); }
.glance span { font-size: 15px; color: var(--muted); }

.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 20px 40px; }
@media (max-width: 800px) { .split { grid-template-columns: minmax(0, 1fr); } }
.term { display: grid; gap: 6px; padding-block: 18px; border-top: 1px solid var(--line); }
.term h3 { font-size: 21px; }
.term p, .term li { color: var(--muted); }
.term ul { margin: 0; padding-left: 20px; display: grid; gap: 4px; }
.callout { background: var(--gold-soft); border-left: 5px solid var(--gold); padding: 16px 20px; border-radius: 0 var(--radius) var(--radius) 0; margin-top: 28px; }
.center-cta { margin-top: 36px; display: flex; justify-content: center; }

/* FAQ */
.faq { display: grid; gap: 10px; max-width: 860px; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); }
.faq summary { cursor: pointer; padding: 16px 20px; font-weight: 700; font-size: 18px; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--font-display); font-size: 26px; line-height: 1; color: var(--gold-ink); }
.faq details[open] summary::after { content: "–"; }
.faq .a { padding: 0 20px 18px; color: var(--muted); display: grid; gap: 10px; }

/* CTA band */
.cta-band { background: var(--navy-deep); color: var(--on-dark); }
.cta-band .wrap { padding-block: 56px; display: flex; gap: 24px; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.cta-band h2 { max-width: 20ch; }
.cta-band p { color: #c7d3de; margin-top: 8px; max-width: 52ch; }

/* Tables */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
table { border-collapse: collapse; width: 100%; font-size: 15px; font-variant-numeric: tabular-nums; }
th, td { padding: 10px 14px; text-align: right; border-bottom: 1px solid var(--line); white-space: nowrap; }
th:first-child, td:first-child { text-align: left; }
thead th { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .05em; font-size: 15px; background: var(--navy-deep); color: var(--on-dark); position: sticky; top: 0; }
tbody tr:hover { background: var(--gold-soft); }
td.na { color: var(--muted); }
.pill { display: inline-block; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; padding: 2px 8px; border-radius: 99px; border: 1px solid var(--line); color: var(--muted); }
.pill.full { border-color: var(--ok); color: var(--ok); }
.pill.partial { border-color: var(--warn); color: var(--warn); }

/* Form */
.form-shell { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 40px; padding-block: 48px 72px; align-items: start; }
@media (max-width: 900px) { .form-shell { grid-template-columns: minmax(0, 1fr); padding-block: 28px 56px; } }
.form-side h1 { font-size: clamp(38px, 5vw, 56px); font-weight: 800; text-transform: uppercase; margin-block: 10px 14px; }
.form-side ul { padding-left: 0; list-style: none; display: grid; gap: 10px; margin: 22px 0; }
.form-side li { display: flex; gap: 10px; }
.form-side li::before { content: ""; width: 9px; height: 9px; background: var(--gold); transform: rotate(45deg); margin-top: 9px; flex: none; }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: 0 10px 30px rgb(0 0 0 / .06); }
.progress { display: flex; gap: 6px; margin-bottom: 20px; }
.progress i { flex: 1; height: 6px; background: var(--line); border-radius: 3px; }
.progress i.on { background: var(--gold); }
.step-label { font-size: 14px; color: var(--muted); margin-bottom: 4px; }
.step h2 { font-size: 30px; margin-bottom: 18px; }
.choices { display: grid; gap: 10px; }
.choices.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 520px) { .choices.two { grid-template-columns: minmax(0, 1fr); } }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; }
.choice label { display: block; border: 2px solid var(--line); border-radius: 8px; padding: 13px 16px; cursor: pointer; font-weight: 600; background: var(--bg); }
.choice label small { display: block; font-weight: 400; color: var(--muted); font-size: 14px; }
.choice input:checked + label { border-color: var(--gold); background: var(--gold-soft); }
.choice input:focus-visible + label { outline: 3px solid var(--gold); outline-offset: 2px; }
.field { display: grid; gap: 6px; margin-bottom: 14px; }
.field label { font-weight: 600; font-size: 15px; }
.field input, .field select { font: inherit; padding: 12px 14px; border: 2px solid var(--line); border-radius: 8px; background: var(--bg); color: var(--ink); width: 100%; }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
@media (max-width: 520px) { .field-row { grid-template-columns: minmax(0, 1fr); } }
.step-nav { display: flex; gap: 12px; justify-content: space-between; margin-top: 22px; }
.err { color: var(--red); font-size: 14px; font-weight: 600; min-height: 1.2em; margin-top: 8px; }
.limit-note { margin-top: 14px; padding: 12px 14px; border-radius: 8px; background: var(--gold-soft); font-size: 15px; }
.consent { font-size: 12.5px; color: var(--muted); line-height: 1.5; display: flex; gap: 10px; align-items: flex-start; margin-top: 6px; }
.consent input { margin-top: 3px; flex: none; width: 18px; height: 18px; }
.result h2 { font-size: 34px; margin-bottom: 10px; }
.result ul { padding-left: 20px; display: grid; gap: 8px; }
.flag-ok { color: var(--ok); font-weight: 700; }
.flag-warn { color: var(--warn); font-weight: 700; }
.secure { margin-top: 14px; font-size: 13px; color: var(--muted); text-align: center; }

/* Prose pages */
.prose { max-width: 760px; padding-block: 48px 72px; display: grid; gap: 16px; }
.prose h1 { font-size: clamp(38px, 5vw, 56px); font-weight: 800; text-transform: uppercase; }
.prose h2 { font-size: 28px; margin-top: 18px; }
.prose p, .prose li { color: var(--muted); }
.page-head { background: var(--navy-deep); color: var(--on-dark); }
.page-head .wrap { padding-block: 44px 40px; display: grid; gap: 12px; }
.page-head h1 { font-size: clamp(38px, 5.4vw, 60px); font-weight: 800; text-transform: uppercase; }
.page-head p { color: #c7d3de; max-width: 64ch; }
.page-head .eyebrow { color: var(--gold); }
.county-tool { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; margin-bottom: 18px; align-items: end; }
@media (max-width: 760px) { .county-tool { grid-template-columns: minmax(0, 1fr); } }
.county-result { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border: 2px solid var(--navy-deep); border-radius: var(--radius); background: var(--surface); margin-bottom: 36px; overflow: hidden; }
@media (max-width: 760px) { .county-result { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.county-result div { padding: 18px; border-right: 1px solid var(--line); display: grid; gap: 2px; }
.county-result div:last-child { border-right: 0; }
.county-result small { color: var(--muted); font-size: 13px; text-transform: uppercase; letter-spacing: .06em; font-weight: 600; }
.county-result strong { font-family: var(--font-display); font-size: 32px; font-weight: 800; font-variant-numeric: tabular-nums; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #c7d3de; font-size: 14px; }
.site-footer .wrap { padding-block: 44px; display: grid; gap: 22px; }
.foot-cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px; }
@media (max-width: 760px) { .foot-cols { grid-template-columns: minmax(0, 1fr); } }
.site-footer h4 { font-family: var(--font-display); text-transform: uppercase; letter-spacing: .08em; color: var(--on-dark); margin: 0 0 8px; font-size: 16px; }
.site-footer a { color: #e8eef3; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; }
.disclaimer { border-top: 1px solid rgb(255 255 255 / .15); padding-top: 18px; font-size: 12.5px; line-height: 1.55; display: grid; gap: 8px; }
.devtag { position: fixed; left: 12px; bottom: calc(12px + env(safe-area-inset-bottom, 0px)); background: var(--red); color: #fff; font-size: 12px; font-weight: 700; padding: 4px 10px; border-radius: 99px; letter-spacing: .06em; text-transform: uppercase; z-index: 30; }
@media (max-width: 520px) {
  .brand small { display: none; }
  .brand b { font-size: 21px; }
  .site-header .btn.sm { font-size: 14px; padding: 8px 12px; }
  .banner { font-size: 14px; }
  .calc-out .big { font-size: 46px; }
}

/* ===== Light layout ===== */
body { background: var(--bg); }
a { color: var(--navy); }
.btn { background: var(--navy); color: #fff !important; box-shadow: 0 4px 12px rgb(31 78 121 / .22); }
.btn:hover { background: var(--navy-deep); }
.btn.ghost { background: #fff; color: var(--navy) !important; border: 2px solid var(--line); box-shadow: none; }
.eyebrow { color: var(--navy); }

.banner { background: var(--navy); }
.banner strong { color: #ffd166; }
.banner a { color: #fff; }
.site-header { background: rgb(255 255 255 / .96); color: var(--ink); border-bottom: 1px solid var(--line); backdrop-filter: blur(6px); }
.brand { color: var(--ink); }
.brand small { color: var(--muted); opacity: 1; }
.brand b { color: var(--navy-deep); }
.nav a { color: var(--ink); opacity: 1; }
.nav a:hover { color: var(--navy); }

.hero { color: var(--ink); background:
  radial-gradient(38rem 26rem at 88% 18%, #dcebf7 0 60%, transparent 61%),
  radial-gradient(30rem 20rem at 8% 92%, #fdf1d6 0 55%, transparent 56%),
  radial-gradient(22rem 16rem at 55% 105%, #e6f2ec 0 55%, transparent 56%),
  linear-gradient(180deg, #f7fbfe, #ffffff); }
.hero::after { display: none; }
.hero .wrap { grid-template-columns: minmax(0, 1fr) minmax(0, 1.05fr); padding-block: 48px 56px; }
.hero .eyebrow { color: var(--gold-ink); }
.hero h1 { color: var(--ink); text-transform: none; font-weight: 800; letter-spacing: 0; }
.hero h1 em { color: var(--navy); }
.hero .lede { color: var(--muted); }
.hero-cta span, .hero-facts { color: var(--muted); }
.hero-art img { display: block; width: 100%; height: auto; }
@media (max-width: 900px) { .hero-art { order: -1; max-width: 560px; margin-inline: auto; } }

section.band { padding-block: 72px; }
section.band.alt { background: var(--tint); border: 0; }
section.band.cream { background: var(--cream); }
.section-head { justify-items: center; text-align: center; }
.section-head .lede { margin-inline: auto; }
.section-head h2, .bracket { display: inline-block; position: relative; padding: 4px 28px; color: var(--ink); text-transform: none; font-weight: 700; }
.section-head h2::before, .section-head h2::after { content: ""; position: absolute; top: 0; bottom: 0; width: 12px; border: 3px solid var(--navy); }
.section-head h2::before { left: 0; border-right: 0; border-radius: 10px 0 0 10px; }
.section-head h2::after { right: 0; border-left: 0; border-radius: 0 10px 10px 0; }

.split.cards { grid-template-columns: minmax(0, 1fr); max-width: 860px; margin-inline: auto; gap: 16px; }
.split.cards .term { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 24px; box-shadow: 0 4px 14px rgb(31 78 121 / .06); }
.split.two-col { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: none; }
@media (max-width: 800px) { .split.two-col { grid-template-columns: minmax(0, 1fr); } }
.band.alt .split.cards .term { border-color: #fff; }

.glance { border: 0; background: transparent; gap: 16px; }
.glance div { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); text-align: center; }
.glance div:last-child { border-right: 1px solid var(--line); }
@media (max-width: 900px) { .glance div:nth-child(2) { border-right: 1px solid var(--line); } .glance div:nth-child(-n+2) { border-bottom: 1px solid var(--line); } }
.glance strong { color: var(--navy); }
.role { text-align: center; justify-items: center; }
.role svg { color: var(--navy); }

.calc { box-shadow: 0 14px 36px rgb(31 78 121 / .12); border: 1px solid var(--line); }
.calc-band .wrap { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 40px; align-items: center; }
@media (max-width: 900px) { .calc-band .wrap { grid-template-columns: minmax(0, 1fr); } }
.calc-band .section-head { justify-items: start; text-align: left; }
.calc-band .section-head .lede { margin-inline: 0; }
.calc-band .art img { width: 100%; height: auto; display: block; }
.calc-out .big { color: var(--navy); }

.callout { background: var(--gold-soft); max-width: 860px; margin-inline: auto; }
.center-cta { margin-top: 36px; }
.faq { margin-inline: auto; }
.faq summary::after { color: var(--navy); }

.help-band .wrap { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 40px; align-items: center; }
@media (max-width: 900px) { .help-band .wrap { grid-template-columns: minmax(0, 1fr); } }
.help-band img { width: 100%; height: auto; display: block; }
.help-band .section-head { justify-items: start; text-align: left; margin-bottom: 18px; }
.help-band .section-head .lede { margin-inline: 0; }

.cta-band { background: var(--gold-soft); color: var(--ink); }
.cta-band h2 { text-transform: none; }
.cta-band p { color: var(--muted); }

.page-head { background: linear-gradient(180deg, #eef5fb, #ffffff); color: var(--ink); border-bottom: 1px solid var(--line); }
.page-head h1 { text-transform: none; }
.page-head p { color: var(--muted); }
.page-head .eyebrow { color: var(--gold-ink); }
.form-side h1, .prose h1 { text-transform: none; }
.form-page { background: linear-gradient(180deg, #eef5fb 0, #ffffff 420px); }
.form-side img { width: 100%; max-width: 420px; height: auto; display: block; margin-top: 8px; }
.progress i.on { background: var(--navy); }
.choice input:checked + label { border-color: var(--navy); background: var(--tint); }
thead th { background: var(--navy); }
tbody tr:hover { background: var(--tint); }
.county-result { border-color: var(--navy); }
.county-result strong { color: var(--navy); }

.site-footer { background: #f3f6f9; color: var(--muted); border-top: 1px solid var(--line); }
.site-footer h4 { color: var(--ink); }
.site-footer a { color: var(--navy); }
.disclaimer { border-top: 1px solid var(--line); }
.hero h1 { text-transform: none; }
.cta-band .wrap { display: grid; grid-template-columns: minmax(0, 1fr) auto minmax(0, 320px); align-items: center; gap: 28px; }
.cta-art { width: 100%; height: auto; display: block; }
@media (max-width: 900px) { .cta-band .wrap { grid-template-columns: minmax(0, 1fr); } .cta-art { max-width: 360px; } }
.hero .wrap { grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 32px; }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: minmax(0, 1fr); } }

.mfhchat{position:fixed;right:18px;bottom:calc(18px + env(safe-area-inset-bottom,0px));z-index:9999;font-family:var(--font-body)}
.mfhchat *{box-sizing:border-box}
.mfhbubble{display:none;align-items:center;gap:10px;background:var(--navy);color:#fff;border:none;border-radius:40px;padding:12px 20px 12px 12px;font:700 15.5px var(--font-body);cursor:pointer;box-shadow:0 12px 30px -10px rgba(0,0,0,.35)}
.mfhbubble .mfhbic{width:30px;height:30px;border-radius:50%;background:var(--gold);color:var(--navy-deep);display:flex;align-items:center;justify-content:center;flex:0 0 auto}
.mfhcard{width:340px;max-width:calc(100vw - 24px);background:#fff;border-radius:22px;overflow:hidden;box-shadow:0 24px 60px -18px rgba(0,0,0,.4);border:1px solid var(--line);display:none;transform:translateY(20px);opacity:0;transition:transform .45s cubic-bezier(.2,.8,.25,1),opacity .45s}
.mfhcard.in{transform:none;opacity:1}
.mfhhead{background:var(--navy);color:#fff;display:flex;align-items:center;gap:12px;padding:12px 14px}
.mfhav{width:44px;height:44px;border-radius:50%;background:#fff;flex:0 0 auto;display:flex;align-items:center;justify-content:center;border:2px solid var(--gold)}
.mfhav svg{width:30px;height:30px}
.mfhnm{font:700 17px/1.15 var(--font-body);display:block}
.mfhrl{font-size:12px;color:rgba(255,255,255,.82);display:flex;align-items:center;gap:6px}
.mfhrl i{width:8px;height:8px;border-radius:50%;background:#4ade80;display:inline-block}
.mfhx{margin-left:auto;background:none;border:none;color:#fff;font-size:24px;line-height:1;cursor:pointer;padding:0 4px;opacity:.85}
.mfhx:hover{opacity:1}
.mfhbody{padding:15px}
.mfhgreet{background:var(--tint);color:var(--ink);border-radius:14px;border-top-left-radius:4px;padding:10px 13px;font-size:14.5px;font-weight:600;margin:0 0 10px;line-height:1.45}
.mfhgreet b{color:var(--navy)}
.mfhq{font-size:13px;font-weight:700;color:var(--muted);margin:2px 0 8px}
.mfhchips{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 12px}
.mfhchips a{display:inline-block;border:1.5px solid var(--line);background:#fff;color:var(--navy-deep);border-radius:99px;padding:7px 12px;font-size:13.5px;font-weight:700;text-decoration:none}
.mfhchips a:hover,.mfhchips a:focus-visible{border-color:var(--navy);background:var(--tint)}
.mfhgo{display:block;width:100%;text-align:center;background:var(--gold);color:#1c1406;border:none;border-radius:11px;padding:13px;font-size:15.5px;font-weight:800;cursor:pointer;text-decoration:none}
.mfhgo:hover{filter:brightness(1.05)}
.mfhfine{text-align:center;margin:9px 0 0;font-size:12.5px;color:var(--muted)}
@media(max-width:820px){.mfhchat{right:12px;bottom:calc(12px + env(safe-area-inset-bottom,0px))}.mfhcard{width:300px}}
@media(prefers-reduced-motion:reduce){.mfhcard{transition:opacity .25s}}