/* Compliance Expert — B2B trust editorial theme */
:root{
  --ink:#1b2120; --ink-soft:#3d4746; --muted:#6a7574;
  --paper:#fdfcf8; --wash:#f4f2ec; --line:#e3ded2;
  --card:#ffffff; --accent:#0e6b5f; --accent-dark:#0a4f46;
  --accent-soft:#eef4f2; --radius:10px; --maxw:1140px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);
  font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased}
h1,h2,h3,.serif{font-family:var(--serif);line-height:1.25;color:var(--ink);font-weight:600}
h1{font-size:clamp(2rem,4.2vw,2.9rem);margin:.35em 0 .3em;letter-spacing:-.015em}
h2{font-size:1.55rem;margin:2.4em 0 .6em;letter-spacing:-.01em}
h3{font-size:1.18rem;margin:1.5em 0 .45em}
p{margin:0 0 1.05em}
a{color:var(--accent-dark);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
.lede{font-size:1.14rem;color:var(--ink-soft)}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
/* header */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;gap:28px;padding-top:13px;padding-bottom:13px}
.wordmark{font-family:var(--serif);font-size:1.3rem;font-weight:700;color:var(--ink);letter-spacing:-.01em;white-space:nowrap}
.wordmark .dot{color:var(--accent)}
.site-nav{display:flex;gap:22px;margin-left:auto;font-size:.93rem;align-items:center}
.site-nav a{color:var(--ink-soft)}
.site-nav a:hover{color:var(--accent-dark);text-decoration:none}
.btn{display:inline-block;background:var(--accent);color:#fff!important;font-weight:600;
  padding:11px 22px;border-radius:8px;border:1px solid var(--accent-dark);font-size:.98rem;cursor:pointer}
.btn:hover{background:var(--accent-dark);text-decoration:none}
.btn.ghost{background:transparent;color:var(--accent-dark)!important;border:1px solid var(--accent)}
.btn.ghost:hover{background:var(--accent-soft)}
.nav-cta{padding:9px 18px}
/* hero */
.hero{padding:64px 0 56px;border-bottom:1px solid var(--line);background:var(--wash)}
.hero h1{margin-top:0}
.hero .lede{max-width:660px}
.hero-ctas{display:flex;gap:14px;margin-top:26px;flex-wrap:wrap}
.factbar{display:flex;gap:0;margin-top:34px;border:1px solid var(--line);border-radius:var(--radius);
  background:var(--card);overflow:hidden;flex-wrap:wrap}
.factbar>div{flex:1 1 180px;padding:16px 20px;border-right:1px solid var(--line)}
.factbar>div:last-child{border-right:0}
.factbar b{display:block;font-family:var(--serif);font-size:1.35rem;color:var(--accent-dark)}
.factbar span{font-size:.85rem;color:var(--muted)}
/* sections */
.section{padding:52px 0}
.section.alt{background:var(--wash);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.kicker{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:10px}
/* cards */
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px;margin-top:24px}
.firm-layout{display:grid;grid-template-columns:1fr 340px;gap:36px;align-items:start;margin-top:10px}
@media(max-width:900px){.firm-layout{grid-template-columns:1fr}}
.key-facts{border:1px solid #d9e8e2;border-left:4px solid var(--accent);background:#f4faf7;border-radius:10px;padding:18px 22px;margin:26px 0}
.key-facts .post-meta{margin-bottom:8px}
.answer{font-size:1.06rem;line-height:1.65;background:#f4faf7;border:1px solid #d9e8e2;border-radius:10px;padding:16px 20px;margin:14px 0 8px}
.toc{background:#f8faf9;border:1px solid #e2ece7;border-radius:10px;padding:14px 20px;margin:18px 0}
.toc b{display:block;margin-bottom:6px}
.toc ul{margin:0;padding-left:20px}
.related-guides{margin-top:34px;border-top:1px solid #e2ece7;padding-top:18px}
.ws-wrap{overflow-x:auto;margin:22px 0}
table.ws{width:100%;border-collapse:collapse;font-size:.92rem;background:var(--card)}
table.ws th,table.ws td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
table.ws th{background:var(--wash)}
table.ws input{width:100%;border:1px solid #d8d2c0;border-radius:6px;padding:8px 10px;font-size:.9rem;font-family:var(--sans)}
table.ws input:focus{outline:2px solid var(--accent);border-color:var(--accent)}
@media print{.ws-wrap{overflow:visible} table.ws input{border:none;border-bottom:1px solid #999} .no-print{display:none}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;
  display:flex;flex-direction:column}
.card:hover{border-color:var(--accent);text-decoration:none}
.card h3{margin:.2em 0 .4em;font-size:1.12rem}
.card h3 a{color:var(--ink)}
.card p{font-size:.95rem;color:var(--ink-soft);margin-bottom:.7em}
.card .meta{font-size:.82rem;color:var(--muted);margin-top:auto;padding-top:10px}
.tag{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;
  padding:3px 10px;border-radius:999px;background:var(--accent-soft);color:var(--accent-dark);margin-bottom:8px}
/* tables */
table.data{width:100%;border-collapse:collapse;margin:22px 0;font-size:.95rem;background:var(--card)}
table.data th,table.data td{text-align:left;padding:12px 14px;border:1px solid var(--line);vertical-align:top}
table.data th{background:var(--wash);font-weight:600;font-size:.88rem}
table.data tr:nth-child(even) td{background:#fbfaf5}
/* callouts */
.callout{border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:8px;
  background:var(--card);padding:16px 20px;margin:24px 0;font-size:.97rem}
.callout b.hd{color:var(--accent-dark)}
.callout.warn{border-left-color:#b45309}
.callout.warn b.hd{color:#92400e}
.checklist{list-style:none;padding:0;margin:18px 0}
.checklist li{padding:9px 0 9px 34px;position:relative;border-bottom:1px solid var(--line)}
.checklist li:before{content:"";position:absolute;left:4px;top:14px;width:14px;height:8px;
  border-left:3px solid var(--accent);border-bottom:3px solid var(--accent);transform:rotate(-45deg)}
.steps{counter-reset:step;list-style:none;padding:0;margin:20px 0}
.steps li{counter-increment:step;padding:14px 0 14px 58px;position:relative;border-bottom:1px solid var(--line)}
.steps li:before{content:counter(step);position:absolute;left:0;top:12px;width:38px;height:38px;border-radius:50%;
  background:var(--accent);color:#fff;font-family:var(--serif);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:1.05rem}
.steps b{display:block;font-size:1.05rem}
/* faq */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:8px;margin-bottom:10px;padding:15px 20px}
.faq summary{font-weight:600;cursor:pointer;font-family:var(--serif);font-size:1.06rem;color:var(--ink)}
.faq summary:hover{color:var(--accent-dark)}
/* cta band */
.cta-band{background:var(--ink);color:#f2efe6;border-radius:14px;padding:44px 48px;margin:56px 0;
  display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .4em}
.cta-band p{color:#c9c4b4;margin:0;max-width:520px}
/* crumbs */
.crumbs{font-size:.86rem;color:var(--muted);margin:24px 0 4px}
.crumbs a{color:var(--muted)}
/* quote form */
.qform{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:34px 36px;max-width:720px;margin:26px 0}
.qsteps{display:flex;gap:8px;margin-bottom:26px}
.qsteps span{flex:1;height:6px;border-radius:3px;background:var(--line)}
.qsteps span.on{background:var(--accent)}
.qstep{display:none}
.qstep.on{display:block}
.qstep h3{font-size:1.3rem;margin-top:0}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;font-size:.95rem;margin-bottom:7px}
.field input[type=text],.field input[type=email],.field input[type=tel],.field select,.field textarea{
  width:100%;padding:12px 14px;font-size:1rem;border:1px solid #c9c2b0;border-radius:8px;font-family:var(--sans);background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--accent);border-color:var(--accent)}
.field .hint{font-size:.84rem;color:var(--muted);margin-top:5px}
.radio-cards{display:grid;gap:10px}
.radio-cards label{border:1px solid var(--line);border-radius:8px;padding:13px 16px;cursor:pointer;display:flex;gap:12px;align-items:flex-start;font-weight:500}
.radio-cards label:hover{border-color:var(--accent)}
.radio-cards input{margin-top:5px;accent-color:var(--accent)}
.radio-cards small{display:block;color:var(--muted);font-weight:400}
.qnav{display:flex;gap:12px;margin-top:24px;justify-content:space-between}
.hp{position:absolute!important;left:-9999px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important}
.form-err{color:#b91c1c;font-size:.9rem;margin-top:10px;display:none}
/* calculator / quiz */
.calc{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:30px 32px;margin:26px 0}
.calc-result{background:var(--ink);color:#f2efe6;border-radius:10px;padding:24px 28px;margin-top:22px;display:none}
.calc-result.show{display:block}
.calc-result b.big{font-family:var(--serif);font-size:2rem;color:#fff;display:block}
.calc-result .assump{font-size:.84rem;color:#bdb8a6;margin-top:12px}
details.assump{margin-top:16px;font-size:.9rem}
details.assump summary{cursor:pointer;font-weight:600;color:var(--accent-dark)}
.quiz-q{border:1px solid var(--line);border-radius:10px;background:var(--card);padding:20px 22px;margin-bottom:14px}
.quiz-q p{font-weight:600;margin-bottom:10px}
.quiz-q label{display:block;padding:8px 0;cursor:pointer;font-size:.97rem}
.quiz-q input{accent-color:var(--accent);margin-right:10px}
/* search */
.searchbox{position:relative;max-width:560px;margin-top:20px}
.searchbox input{width:100%;padding:14px 18px;font-size:1.02rem;border-radius:10px;border:1px solid #c9c2b0;background:#fff;color:var(--ink)}
.search-results{position:absolute;top:110%;left:0;right:0;background:var(--card);border:1px solid var(--line);
  border-radius:10px;overflow:hidden;box-shadow:0 18px 40px rgba(0,0,0,.18);display:none;z-index:60}
.search-results a{display:block;padding:10px 16px;color:var(--ink);border-bottom:1px solid var(--line);font-size:.95rem}
.search-results a:last-child{border-bottom:0}
.search-results a small{color:var(--muted);display:block}
.search-results a:hover{background:var(--wash);text-decoration:none}
/* source list */
.sources{font-size:.9rem;color:var(--ink-soft);margin-top:30px;border-top:1px solid var(--line);padding-top:18px}
.sources li{margin-bottom:8px}
.disclaimer{font-size:.85rem;color:var(--muted);background:var(--wash);border:1px solid var(--line);
  border-radius:8px;padding:14px 18px;margin:26px 0}
/* footer */
.site-footer{background:var(--ink);color:#b9b4a3;padding:48px 0 30px;margin-top:80px;font-size:.92rem}
.site-footer .wrap{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
@media(max-width:820px){.site-footer .wrap{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.site-footer .wrap{grid-template-columns:1fr}.site-nav a:not(.nav-cta){display:none}.site-nav{gap:0}.site-nav .nav-cta{display:inline-block;padding:10px 16px;font-size:.95rem}}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:90;display:none;align-items:center;justify-content:space-between;
  gap:12px;background:#0b3d34;color:#f4f1e6;padding:12px 16px;font-size:.92rem;box-shadow:0 -8px 24px rgba(0,0,0,.25)}
.sticky-cta.on{display:flex}
.sticky-cta a{background:var(--accent);color:#fff;font-weight:700;padding:10px 18px;border-radius:8px;white-space:nowrap}
.qstep-label{font-weight:600;margin:0 0 10px;color:var(--muted);font-size:.95rem}
.match-strip{background:var(--wash);border:1px solid var(--line);border-radius:12px;padding:22px 26px;margin:28px 0}
.match-strip ol{margin:0;padding-left:20px;display:grid;gap:8px}
.match-strip .m-link{font-size:.88rem;margin-top:10px}
.mid-cta{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--accent);
  border-radius:10px;padding:20px 24px;margin:30px 0;box-shadow:0 8px 26px rgba(11,61,52,.07)}
.mid-cta p{margin:.4em 0}
.mid-cta .btn{margin-top:10px}
@media(max-width:900px){.firm-layout .firm-side{order:-1}}
.firm-side .card{position:sticky;top:80px}
@media(max-width:900px){.firm-side .card{position:static}}
.site-footer a{color:#e6e1d1}
.site-footer h4{color:#fff;font-family:var(--serif);margin:0 0 12px;font-size:1.02rem}
.site-footer p{margin:0 0 .8em}
.fineprint{grid-column:1/-1;border-top:1px solid #3a3833;padding-top:18px;color:#8f8a78;font-size:.8rem}
.toc{background:var(--wash);border:1px solid var(--line);border-radius:10px;padding:18px 22px;margin:22px 0;font-size:.95rem}
.toc b{display:block;margin-bottom:8px}
.toc ol{margin:0;padding-left:22px}
.toc li{margin-bottom:5px}
.post-meta{font-size:.88rem;color:var(--muted);margin-bottom:14px}
.authorline{display:flex;gap:14px;align-items:center;background:var(--wash);border:1px solid var(--line);
  border-radius:10px;padding:16px 20px;margin:30px 0;font-size:.93rem}
.avatar{width:46px;height:46px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-weight:700;font-size:1.2rem;flex:none}
@media(max-width:640px){body{font-size:16px}.cta-band{padding:30px 26px}.qform{padding:24px 20px}}
@media print{.site-header,.site-footer,.cta-band{display:none}}

/* VSL */
.vsl{background:var(--ink);color:#f2efe6;padding:64px 0}
.vsl .kicker{color:#9fd8cd}
.vsl h2{color:#fff}
.vsl-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
@media(max-width:900px){.vsl-grid{grid-template-columns:1fr}}
.vsl-player{position:relative;aspect-ratio:16/9;background:#101210;border-radius:12px;overflow:hidden;border:1px solid #3a3833}
.vsl-player iframe,.vsl-player video{position:absolute;inset:0;width:100%;height:100%;border:0}
.vsl-poster{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;background:#101210}
.vsl-play{width:88px;height:88px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-size:2.1rem;padding-left:6px}
.vsl-poster-note{color:#bdb8a6;font-size:.95rem;letter-spacing:.02em}
.vsl-cap{font-size:.85rem;margin-top:10px}
.vsl-cap a{color:#9fd8cd}
.vsl-points li{border-bottom-color:#3a3833;color:#e6e1d1}
.vsl-form{background:var(--card);border-radius:12px;padding:24px 26px;margin-top:22px;color:var(--ink)}
.vsl-form .vsl-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.vsl-fine{font-size:.8rem;color:var(--muted);margin:12px 0 0}
.vsl-success{background:var(--accent-soft);border:1px solid var(--accent);border-radius:10px;padding:20px 22px;margin-top:22px;color:var(--ink)}
.vsl-compact{background:var(--wash);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:40px 0;margin-bottom:8px}
.vsl-compact-inner{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
@media(max-width:900px){.vsl-compact-inner{grid-template-columns:1fr}}
/* slide-in */
.vsl-slidein{position:fixed;right:20px;bottom:20px;width:360px;max-width:calc(100vw - 40px);
  background:var(--card);border:1px solid var(--line);border-radius:14px;z-index:80;overflow:hidden;
  box-shadow:0 24px 60px rgba(0,0,0,.28);transform:translateY(26px);opacity:0;pointer-events:none;
  transition:transform .35s ease,opacity .35s ease}
.vsl-slidein.show{transform:none;opacity:1;pointer-events:auto}
.vsl-slide-thumb{width:100%;aspect-ratio:16/9;object-fit:cover;display:block;background:#101210}
.vsl-slide-body{padding:18px 20px 20px;position:relative}
.vsl-slide-head{font-family:var(--serif);font-weight:600;font-size:1.06rem;margin:.2em 0 .9em;color:var(--ink)}
.vsl-slide-close{position:absolute;top:8px;right:10px;background:rgba(0,0,0,.55);color:#fff;border:0;
  border-radius:50%;width:30px;height:30px;font-size:1.15rem;line-height:1;cursor:pointer;z-index:2}
.vsl-slide-form{margin-top:14px}
@media(max-width:640px){.vsl-slidein{left:12px;right:12px;bottom:12px;width:auto}}
.vsl-unmute{position:absolute;left:12px;bottom:12px;z-index:3;background:rgba(0,0,0,.72);color:#fff;
  border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:8px 14px;font-size:.85rem;
  font-weight:600;cursor:pointer;font-family:var(--sans)}
.vsl-unmute:hover{background:rgba(0,0,0,.9)}
/* conversion: hero trust microcopy under CTAs */
.hero-note{margin-top:14px;font-size:.88rem;color:var(--muted)}
.hero-note b{color:var(--accent-dark);font-weight:600}