/* Surplus Claim Advisors — shared styles (blog + interior pages) */
:root{
  --ink:#14253B; --harbor:#2E4A6B; --brass:#B28A4C; --brass-d:#9c7740;
  --evergreen:#2F5D50; --parchment:#F5F1E8; --charcoal:#23272E;
  --slate:#6C7079; --line:#DCD6C8; --paper:#FFFFFF; --mist:#FAF8F3;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'Lato',sans-serif;color:var(--charcoal);line-height:1.65;background:var(--paper);font-size:17px;-webkit-font-smoothing:antialiased;}
h1,h2,h3,h4{font-family:'Lora',serif;color:var(--ink);line-height:1.22;font-weight:600;}
a{color:var(--harbor);text-decoration:none;}
img{max-width:100%;}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px;}
.narrow{max-width:760px;margin:0 auto;padding:0 24px;}
.btn{display:inline-block;font-family:'Lato';font-weight:700;font-size:16px;padding:14px 28px;border-radius:6px;cursor:pointer;border:2px solid transparent;transition:.18s;text-align:center;}
.btn-primary{background:var(--brass);color:#fff;}
.btn-primary:hover{background:var(--brass-d);}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line);}
.btn-ghost:hover{border-color:var(--ink);}
.kicker{font-family:'Lato';text-transform:uppercase;letter-spacing:.2em;font-size:13px;font-weight:700;color:var(--brass);margin-bottom:14px;}

/* top compliance bar */
.topbar{background:var(--ink);color:#cdd6e2;font-size:13.5px;}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:9px;padding-bottom:9px;flex-wrap:wrap;gap:6px;}
.topbar strong{color:#fff;}
.topbar a{color:#fff;font-weight:700;}

/* header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line);}
header .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;}
.brand{display:flex;align-items:center;gap:12px;}
.brand .nm{font-family:'Lora';font-weight:600;font-size:21px;color:var(--ink);line-height:1;}
.brand .tg{font-family:'Lato';font-weight:700;font-size:9.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--brass);margin-top:3px;}
nav.main{display:flex;align-items:center;gap:28px;}
nav.main a{color:var(--charcoal);font-weight:700;font-size:15px;}
nav.main a:hover,nav.main a.active{color:var(--brass);}
.menu-btn{display:none;background:none;border:0;cursor:pointer;}
@media(max-width:920px){nav.main{display:none;}.menu-btn{display:block;}}

/* footer */
footer{background:var(--ink);color:#aebccd;font-size:14px;padding:54px 0 30px;}
footer .top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.12);}
@media(max-width:760px){footer .top{grid-template-columns:1fr;gap:24px;}}
footer h4{color:#fff;font-family:'Lato';font-size:13px;text-transform:uppercase;letter-spacing:.14em;margin-bottom:14px;}
footer a{color:#c5d0dd;display:block;margin-bottom:9px;}
footer a:hover{color:#fff;}
.disclaimer{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:10px;padding:18px 20px;margin:26px 0 18px;color:#b8c4d2;font-size:13px;line-height:1.65;}
.disclaimer strong{color:#fff;}
.copyr{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;color:#8497ab;font-size:13px;}

/* ===== BLOG INDEX ===== */
.blog-hero{background:linear-gradient(180deg,var(--mist),#fff);border-bottom:1px solid var(--line);padding:66px 0 56px;}
.blog-hero h1{font-size:42px;letter-spacing:-.5px;}
.blog-hero p{font-size:19px;color:var(--slate);margin-top:14px;max-width:60ch;}
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;padding:60px 0;}
@media(max-width:900px){.posts{grid-template-columns:1fr 1fr;}}
@media(max-width:640px){.posts{grid-template-columns:1fr;}}
.pcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;transition:.18s;}
.pcard:hover{box-shadow:0 18px 44px -28px rgba(20,37,59,.4);transform:translateY(-2px);}
.pcard .thumb{height:8px;background:var(--brass);}
.pcard .body{padding:24px;display:flex;flex-direction:column;flex:1;}
.pcard .cat{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--brass);}
.pcard h2{font-size:21px;margin:10px 0;}
.pcard p{color:var(--slate);font-size:15.5px;flex:1;}
.pcard .meta{margin-top:16px;font-size:13px;color:var(--slate);display:flex;gap:10px;align-items:center;}
.pcard .rm{color:var(--harbor);font-weight:700;font-size:14.5px;margin-top:14px;}

/* ===== ARTICLE ===== */
.crumb{font-size:13.5px;color:var(--slate);padding:22px 0 0;}
.crumb a{color:var(--harbor);font-weight:700;}
.post-head{padding:18px 0 30px;border-bottom:1px solid var(--line);margin-bottom:38px;}
.post-head .cat{font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);}
.post-head h1{font-size:38px;letter-spacing:-.4px;margin:14px 0 16px;line-height:1.16;}
.post-head .pmeta{font-size:14px;color:var(--slate);display:flex;gap:14px;flex-wrap:wrap;}
.article{font-size:18px;color:#2c313a;}
.article p{margin:0 0 20px;}
.article h2{font-size:27px;margin:38px 0 14px;}
.article h3{font-size:21px;margin:28px 0 10px;}
.article ul,.article ol{margin:0 0 20px 22px;}
.article li{margin-bottom:9px;}
.article strong{color:var(--ink);}
.article a{color:var(--harbor);text-decoration:underline;text-underline-offset:2px;}
.article blockquote{border-left:3px solid var(--brass);background:var(--mist);padding:16px 22px;margin:24px 0;border-radius:0 8px 8px 0;color:var(--ink);font-size:18px;}
.keytake{background:var(--parchment);border:1px solid var(--line);border-radius:12px;padding:22px 26px;margin:30px 0;}
.keytake h4{font-family:'Lato';text-transform:uppercase;letter-spacing:.14em;font-size:12.5px;color:var(--brass);margin-bottom:12px;}
.keytake ul{margin:0 0 0 18px;}
.note{font-size:14.5px;color:var(--slate);background:var(--mist);border:1px solid var(--line);border-radius:8px;padding:14px 18px;margin:26px 0;}
/* in-article CTA */
.cta-band{background:var(--ink);border-radius:16px;padding:38px;color:#dbe2ec;margin:44px 0;text-align:center;}
.cta-band h3{color:#fff;font-size:25px;}
.cta-band p{margin:12px auto 22px;max-width:48ch;color:#c4cedb;font-size:16.5px;}
.tags{display:flex;gap:8px;flex-wrap:wrap;margin:34px 0;}
.tag{font-size:13px;font-weight:700;color:var(--harbor);background:var(--mist);border:1px solid var(--line);padding:6px 13px;border-radius:30px;}
.related{border-top:1px solid var(--line);margin-top:46px;padding-top:32px;}
.related h3{font-size:20px;margin-bottom:18px;}

/* ===== footer states grid ===== */
.footstates{padding:6px 0 24px;border-bottom:1px solid rgba(255,255,255,.12);margin:24px 0;}
.footstates h4{color:#fff;font-family:'Lato';font-size:13px;text-transform:uppercase;letter-spacing:.14em;margin-bottom:14px;}
.footstates .sg{columns:5;column-gap:18px;}
.footstates .sg a{display:block;margin-bottom:8px;font-size:13px;color:#aebccd;break-inside:avoid;}
.footstates .sg a:hover{color:#fff;}
@media(max-width:760px){.footstates .sg{columns:2;}}

/* ===== comparison table ===== */
.ctable{width:100%;border-collapse:collapse;margin:24px 0;font-size:16px;}
.ctable th{background:var(--ink);color:#fff;text-align:left;padding:12px 14px;font-family:'Lato';font-size:13px;text-transform:uppercase;letter-spacing:.05em;}
.ctable td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top;}
.ctable tr td:first-child{font-weight:700;color:var(--ink);width:24%;}
.ctable tr:nth-child(even) td{background:var(--mist);}
@media(max-width:600px){.ctable{font-size:14px;}.ctable th,.ctable td{padding:9px 8px;}}