/* Ledger Claims Group — site styles */
:root{
  --ground:#F6F7F4;
  --paper:#FFFFFF;
  --ink:#15201B;
  --text-2:#3A4A42;
  --label:#2B3A33;
  --accent:#1F4A37;
  --accent-text:#24543F;
  --rule:#D5DED8;
  --rule-strong:#C3D0C8;
  --field-border:#9AABA2;
  --on-dark:#DCE8E1;
  --serif:"IBM Plex Serif",Georgia,serif;
  --sans:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,Consolas,monospace;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:var(--accent-text)}a:hover{color:var(--ink)}
img{max-width:100%;display:block}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--paper);padding:8px 12px;z-index:10}
.skip:focus{left:8px}

.wrap{max-width:1200px;margin:0 auto;padding-left:24px;padding-right:24px}
.band{background:var(--paper);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}

.eyebrow{margin:0;font-family:var(--mono);font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-text)}
.h1{margin:0;font-family:var(--serif);font-weight:500;font-size:clamp(38px,5.4vw,68px);line-height:1.05;letter-spacing:-.02em}
.h2{margin:0;font-family:var(--serif);font-weight:500;font-size:clamp(30px,3.6vw,44px);line-height:1.1;letter-spacing:-.015em}
.lede{margin:0;font-size:19px;line-height:1.6;color:var(--text-2);max-width:620px}
.body{margin:0;font-size:17px;line-height:1.7;color:var(--text-2)}
.mono{font-family:var(--mono)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 24px;border-radius:2px;font:600 15px/1 var(--sans);text-decoration:none;border:0;cursor:pointer}
.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--ink);color:#fff}
.btn-ghost{border:1px solid var(--ink);color:var(--ink);background:transparent}.btn-ghost:hover{background:var(--ink);color:#fff}
.btn[disabled]{opacity:.6;cursor:wait}

/* Header */
.site-header{border-bottom:1px solid var(--rule);background:var(--ground)}
.site-header .wrap{padding-top:16px;padding-bottom:16px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand span{font-family:var(--serif);font-size:21px;font-weight:600;letter-spacing:-.01em}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:20px}
.nav a.navlink{color:var(--ink);text-decoration:none;font-size:15px;font-weight:500;padding:12px 4px}
.nav a.navlink:hover{color:var(--accent-text);text-decoration:underline;text-underline-offset:6px}

/* Hero */
.hero{padding-top:88px;padding-bottom:96px;display:flex;flex-wrap:wrap;gap:56px;align-items:center}
.hero-copy{flex:999 1 520px;min-width:0;display:flex;flex-direction:column;gap:28px}
.actions{display:flex;flex-wrap:wrap;gap:12px}
.ledger{flex:1 1 340px;min-width:0;background-color:var(--paper);border:1px solid var(--rule-strong);padding:0 28px;
  background-image:repeating-linear-gradient(to bottom,transparent 0,transparent 47px,var(--rule) 47px,var(--rule) 48px)}
.ledger-row{height:48px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.ledger-row .k{font-size:15px;color:var(--text-2)}
.ledger-row .v{font-family:var(--mono);font-size:15px;font-weight:500;text-align:right}
.ledger-head{border-bottom:2px solid var(--ink)}
.ledger-head span{font-family:var(--mono);font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--text-2)}
.ledger-foot{border-top:2px solid var(--ink)}

/* Sections */
.section{padding-top:96px;padding-bottom:96px;display:flex;flex-direction:column;gap:48px}
.section-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:24px}
.section-head .titles{display:flex;flex-direction:column;gap:12px;max-width:640px}
.section-head p.aside{margin:0;max-width:420px;font-size:16px;line-height:1.6;color:var(--text-2)}

.services{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));border-top:2px solid var(--ink)}
.service{padding:32px 28px 36px 0;margin-right:28px;border-bottom:1px solid var(--rule);display:flex;flex-direction:column;gap:14px}
.service .num{font-family:var(--mono);font-size:13px;color:var(--accent-text)}
.service h3{margin:0;font-family:var(--serif);font-weight:600;font-size:24px}
.service p{margin:0;font-size:16px;line-height:1.6;color:var(--text-2)}

.focus{background:var(--accent);color:#fff}
.focus .wrap{padding-top:72px;padding-bottom:72px;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:40px}
.focus div{display:flex;flex-direction:column;gap:10px}
.focus .big{font-family:var(--serif);font-size:30px;font-weight:500}
.focus .small{font-size:16px;line-height:1.5;color:var(--on-dark)}

.steps{margin:0;padding:0;list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px}
.steps li{display:flex;flex-direction:column;gap:12px;border-top:2px solid var(--ink);padding-top:20px}
.steps .num{font-family:var(--mono);font-size:13px;color:var(--accent-text)}
.steps h3{margin:0;font-size:19px;font-weight:600}
.steps p{margin:0;font-size:15px;line-height:1.6;color:var(--text-2)}

/* About */
.about{padding-top:96px;padding-bottom:96px;display:flex;flex-wrap:wrap;gap:56px;align-items:flex-start}
.about-photo{flex:1 1 300px;min-width:0}
.headshot{aspect-ratio:4/5;width:100%;max-width:380px;object-fit:cover;background:#E7ECE8;border:1px solid var(--rule-strong);display:flex;align-items:center;justify-content:center;font-family:var(--mono);font-size:13px;color:var(--text-2)}
.about-copy{flex:999 1 520px;min-width:0;display:flex;flex-direction:column;gap:24px}
.creds{margin:8px 0 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));border-top:2px solid var(--ink)}
.creds div{padding:16px 24px 16px 0;border-bottom:1px solid var(--rule)}
.creds dt{font-family:var(--mono);font-size:15px;font-weight:500}
.creds dd{margin:4px 0 0;font-size:15px;color:var(--text-2)}
.states{display:flex;flex-direction:column;gap:8px}
.states .label{font-size:14px;font-weight:600;color:var(--label)}
.states .list{font-family:var(--mono);font-size:15px;line-height:1.7}

/* Contact */
.contact{padding-top:96px;padding-bottom:96px;display:flex;flex-wrap:wrap;gap:56px;align-items:flex-start}
.contact-info{flex:1 1 320px;min-width:0;display:flex;flex-direction:column;gap:20px}
.details{border-top:2px solid var(--ink)}
.details div{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--rule)}
.details .k{color:var(--text-2)}
.details .v{font-family:var(--mono);text-align:right;overflow-wrap:anywhere}
.form{flex:999 1 520px;min-width:0;background:var(--paper);border:1px solid var(--rule-strong);padding:32px;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full,.form-foot,.form-status{grid-column:1/-1}
.field label{font-size:13px;font-weight:600;letter-spacing:.02em;color:var(--label)}
.field input,.field select,.field textarea{font:inherit;font-size:16px;color:var(--ink);background:#fff;border:1px solid var(--field-border);border-radius:2px;padding:12px 14px;min-height:48px;width:100%}
.field textarea{resize:vertical}
.form-foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.form-foot p{margin:0;max-width:440px;font-size:13px;line-height:1.5;color:var(--text-2)}
.form-status{margin:0;font-size:15px;line-height:1.5}
.form-status.ok{color:var(--accent-text);font-weight:600}
.form-status.err{color:#9B2C1F;font-weight:600}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Footer */
.site-footer{background:var(--ink);color:var(--on-dark)}
.site-footer .wrap{padding-top:48px;padding-bottom:48px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;font-size:14px;line-height:1.6}
.site-footer .col{display:flex;flex-direction:column;gap:6px}
.site-footer .col.right{max-width:520px}
.site-footer .name{font-family:var(--serif);font-size:19px;font-weight:600;color:#fff}
.site-footer a{color:#fff}

/* Simple text pages (privacy, 404) */
.page{padding-top:72px;padding-bottom:96px;max-width:760px}
.page h1{margin:0 0 12px}
.page h2{font-family:var(--serif);font-weight:600;font-size:24px;margin:40px 0 12px}
.page p,.page li{font-size:17px;line-height:1.7;color:var(--text-2)}
.page .meta{font-family:var(--mono);font-size:13px;color:var(--text-2)}

@media (max-width:640px){
  .hero{padding-top:56px;padding-bottom:64px;gap:40px}
  .section,.about,.contact{padding-top:64px;padding-bottom:64px}
  .form{padding:20px}
  .ledger{padding:0 16px}
  .service{margin-right:0;padding-right:0}
}