/* deniedfloodclaim.com - calm water / data aesthetic */
:root{
  --abyss:#071c25;
  --deep:#0b2a35;
  --teal:#0e4f5c;
  --slate:#1d3b52;
  --slate-2:#2c4f68;
  --aqua:#35e0d0;
  --aqua-ink:#0a7f76;
  --amber:#f5a524;
  --amber-ink:#8a5200;
  --amber-soft:#fff4df;
  --mist:#eef5f6;
  --foam:#f7fbfb;
  --line:#d3e2e5;
  --ink:#10242d;
  --muted:#4a6270;
  --white:#fff;
  --radius:14px;
  --shadow:0 10px 30px -14px rgba(7,28,37,.35);
  --head:"Sora",system-ui,sans-serif;
  --body:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:var(--foam);color:var(--ink);font:400 17px/1.68 var(--body);overflow-x:hidden}
img,svg{max-width:100%}
a{color:var(--aqua-ink);text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--teal)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--head);line-height:1.18;letter-spacing:-.015em;color:var(--deep);margin:0 0 .55em}
h1{font-size:clamp(2rem,5.2vw,3.3rem);font-weight:800}
h2{font-size:clamp(1.45rem,3vw,2rem);font-weight:700;margin-top:1.8em}
h3{font-size:1.18rem;font-weight:700;margin-top:1.5em}
p{margin:0 0 1.05em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin-bottom:.4em}
.wrap{width:min(1160px,100% - 32px);margin-inline:auto}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--amber);color:var(--abyss);padding:8px 14px;border-radius:8px;z-index:99;font-weight:700}
.skip:focus{left:12px}
.kicker{font:700 .76rem/1.2 var(--head);letter-spacing:.16em;text-transform:uppercase;color:var(--aqua-ink);margin-bottom:.8em}
.kicker-amber{color:var(--amber)}
.mono{font-variant-numeric:tabular-nums}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font:700 1rem/1 var(--head);padding:15px 22px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-amber{background:var(--amber);color:var(--abyss)}
.btn-amber:hover{background:#ffb83f;color:var(--abyss)}
.btn-aqua{background:var(--aqua);color:var(--abyss)}
.btn-aqua:hover{color:var(--abyss);background:#5ef0e2}
.btn-line{border-color:rgba(255,255,255,.55);color:#fff}
.btn-line:hover{color:#fff;border-color:#fff;background:rgba(255,255,255,.08)}
.btn-full{width:100%}

/* masthead */
.mast{position:sticky;top:0;z-index:40;background:rgba(7,28,37,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(53,224,208,.18)}
.mast-row{display:flex;align-items:center;gap:18px;min-height:66px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;flex-shrink:0}
.logo-txt{font:800 1.08rem/1 var(--head);letter-spacing:-.02em}
.logo-txt span{color:var(--aqua);font-weight:600}
.topnav{margin-left:auto}
.topnav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.topnav li{margin:0}
.topnav a{display:block;color:#cfe3e7;text-decoration:none;font:600 .9rem/1 var(--head);padding:10px 11px;border-radius:8px}
.topnav a:hover,.topnav a[aria-current]{color:#fff;background:rgba(53,224,208,.12)}
.topnav a[aria-current]{box-shadow:inset 0 -2px 0 var(--aqua)}
.tn-review{display:none!important}
.mast-act{display:flex;align-items:center;gap:10px}
.mast-tel{display:inline-flex;align-items:center;gap:7px;background:var(--amber);color:var(--abyss);font:700 .92rem/1 var(--head);padding:11px 15px;border-radius:999px;text-decoration:none;white-space:nowrap}
.mast-tel:hover{color:var(--abyss);background:#ffb83f}
.burger{display:none;width:44px;height:44px;border-radius:10px;border:1px solid rgba(255,255,255,.25);background:transparent;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px}
.burger i{display:block;width:20px;height:2px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}
.burger[aria-expanded=true] i:nth-child(2){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] i:nth-child(3){opacity:0}
.burger[aria-expanded=true] i:nth-child(4){transform:translateY(-7px) rotate(-45deg)}
@media (max-width:1020px){
  .burger{display:flex}
  .topnav{position:fixed;inset:66px 0 auto 0;background:var(--abyss);padding:14px 16px 22px;border-bottom:1px solid rgba(53,224,208,.25);display:none;max-height:calc(100vh - 66px);overflow:auto}
  .topnav.open{display:block}
  .topnav ul{flex-direction:column}
  .topnav a{padding:14px 10px;font-size:1rem}
  .tn-review{display:flex!important;margin-top:10px;justify-content:center;background:var(--aqua);color:var(--abyss)!important;padding:14px!important;border-radius:999px!important}
}
@media (max-width:560px){
  .mast-tel{padding:10px 12px;font-size:.84rem}
  .logo-txt{font-size:.95rem}
  .logo svg{width:28px;height:28px}
}
@media (max-width:400px){.logo-txt span{display:none}}

/* hero */
.hero{position:relative;overflow:hidden;color:#d9ecef;background:radial-gradient(1200px 500px at 85% -10%,rgba(53,224,208,.18),transparent 60%),linear-gradient(160deg,var(--deep) 0%,var(--teal) 48%,var(--slate) 100%)}
.hero-contours{position:absolute;inset:0;width:100%;height:100%;opacity:.22;pointer-events:none}
.hero-in{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:44px;padding:64px 0 92px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--aqua)}
.hero .lede{font-size:1.13rem;color:#d4e7ea;max-width:38em}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero-facts{display:flex;flex-wrap:wrap;gap:8px 18px;margin:22px 0 0;padding:0;list-style:none;font-size:.92rem;color:#b9d4d9}
.hero-facts li{display:flex;align-items:center;gap:7px;margin:0}
.hero-facts li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--aqua)}
.hero-wave{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:70px;color:var(--foam)}
@media (max-width:900px){.hero-in{grid-template-columns:1fr;padding:44px 0 80px;gap:30px}}

/* gauge card (hero side) */
.gauge{background:rgba(7,28,37,.55);border:1px solid rgba(53,224,208,.3);border-radius:20px;padding:24px;box-shadow:var(--shadow)}
.gauge h2{color:#fff;font-size:1.05rem;margin:0 0 4px}
.gauge p.sub{font-size:.88rem;color:#a9c6cc;margin-bottom:16px}
.g-row{display:grid;grid-template-columns:76px 1fr;gap:14px;align-items:center;padding:12px 0;border-top:1px dashed rgba(53,224,208,.22)}
.g-num{font:800 1.9rem/1 var(--head);color:var(--amber);text-align:center}
.g-num small{display:block;font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:#a9c6cc;margin-top:4px;font-weight:600}
.g-row strong{color:#fff;font-family:var(--head);font-size:.98rem;display:block}
.g-row span{font-size:.86rem;color:#b9d4d9}
.g-row:first-of-type{border-top:0}

/* sections */
.sec{padding:64px 0}
.sec-mist{background:var(--mist)}
.sec-dark{background:var(--abyss);color:#cfe3e7}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-head{max-width:760px;margin-bottom:30px}
.sec-head h2{margin-top:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:24px}}

/* deadline timeline component */
.tline{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:0;position:relative;counter-reset:t}
.tline::before{content:"";position:absolute;left:0;right:0;top:27px;height:4px;border-radius:4px;background:linear-gradient(90deg,var(--aqua),var(--teal) 50%,var(--amber))}
.tline li{position:relative;padding:0 12px;margin:0}
.t-dot{position:relative;z-index:1;width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:var(--white);border:4px solid var(--aqua);font:800 .82rem/1.05 var(--head);color:var(--deep);text-align:center}
.tline li.due .t-dot{border-color:var(--amber);background:var(--amber-soft);color:var(--amber-ink)}
.t-when{display:inline-block;margin:14px 0 6px;font:700 .74rem/1 var(--head);letter-spacing:.1em;text-transform:uppercase;color:var(--aqua-ink)}
.tline li.due .t-when{color:var(--amber-ink)}
.tline h3{margin:0 0 6px;font-size:1.02rem}
.tline p{font-size:.92rem;color:var(--muted);margin:0}
.sec-dark .tline p{color:#a9c6cc}
.sec-dark .t-dot{background:var(--deep);color:#fff}
.sec-dark .tline li.due .t-dot{background:#3a2a07;color:var(--amber)}
.sec-dark .t-when{color:var(--aqua)}
.sec-dark .tline li.due .t-when{color:var(--amber)}
@media (max-width:900px){
  .tline{grid-template-columns:1fr;gap:22px}
  .tline::before{left:27px;right:auto;top:0;bottom:0;width:4px;height:auto;background:linear-gradient(180deg,var(--aqua),var(--teal) 50%,var(--amber))}
  .tline li{display:grid;grid-template-columns:58px 1fr;column-gap:16px;padding:0}
  .t-dot{grid-row:span 3}
  .t-when{margin:4px 0 4px}
}

/* calculator */
.calc{background:var(--white);border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:var(--shadow)}
.calc h2,.calc h3{margin-top:0}
.calc-in{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:16px}
@media (max-width:560px){.calc-in{grid-template-columns:1fr}}
.calc-out{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.calc-out li{display:flex;justify-content:space-between;gap:12px;align-items:baseline;padding:12px 14px;border-radius:10px;background:var(--mist);margin:0;flex-wrap:wrap}
.calc-out li.due{background:var(--amber-soft);border-left:4px solid var(--amber)}
.calc-out b{font-family:var(--head);color:var(--deep)}
.calc-out output{font:700 1rem/1.2 var(--head);color:var(--amber-ink)}
.calc-note{font-size:.85rem;color:var(--muted);margin:12px 0 0}

/* forms */
label{display:block;font:600 .9rem/1.3 var(--head);color:var(--deep);margin-bottom:6px}
input,select,textarea{width:100%;font:400 1rem/1.4 var(--body);color:var(--ink);background:var(--white);border:1.5px solid #9fb8bf;border-radius:10px;padding:12px 13px}
input:focus,select:focus,textarea:focus{border-color:var(--teal);outline:3px solid rgba(53,224,208,.45);outline-offset:0}
.intake{background:var(--white);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:var(--shadow)}
.in-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:16px}
.fld-w{grid-column:1/-1}
@media (max-width:560px){.in-grid{grid-template-columns:1fr}}
.chk{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start}
.chk input{width:20px;height:20px;margin:3px 0 0;accent-color:var(--teal)}
.chk label{font:400 .86rem/1.5 var(--body);color:var(--muted);margin:0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.in-note{font-size:.85rem;color:var(--muted);margin:12px 0 0;text-align:center}
.in-out{margin-top:12px;font-weight:600}
.in-out.ok{color:var(--aqua-ink)}
.in-out.err{color:#a3271b}

/* tiles (guide links) */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:tile}
@media (max-width:900px){.tiles{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.tiles{grid-template-columns:1fr}}
.tile{position:relative;display:block;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px 20px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s;counter-increment:tile}
.tile::before{content:"0" counter(tile);font:800 .8rem/1 var(--head);color:var(--aqua-ink);letter-spacing:.1em}
.tile h3{margin:.6em 0 .35em;font-size:1.08rem;color:var(--deep)}
.tile p{margin:0;font-size:.93rem;color:var(--muted)}
.tile:hover{border-color:var(--aqua);transform:translateY(-2px);color:var(--ink)}
.tile .arrow{position:absolute;right:18px;top:18px;color:var(--aqua-ink);font-weight:700}

/* data strip */
.strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.strip div{background:var(--white);padding:20px}
.strip b{display:block;font:800 1.7rem/1.1 var(--head);color:var(--teal)}
.strip span{font-size:.88rem;color:var(--muted)}
@media (max-width:760px){.strip{grid-template-columns:1fr 1fr}}

/* guide layout */
.doc{display:grid;grid-template-columns:250px minmax(0,1fr);gap:48px;padding:10px 0 60px}
.toc{position:sticky;top:90px;align-self:start;font-size:.9rem;border-left:3px solid var(--line);padding-left:16px}
.toc p{font:700 .74rem/1 var(--head);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.toc ol{list-style:none;padding:0;margin:0}
.toc a{display:block;color:var(--muted);text-decoration:none;padding:5px 0}
.toc a:hover,.toc a.on{color:var(--teal);font-weight:600}
.toc .toc-cta{margin-top:18px;display:block;font:700 .9rem/1.2 var(--head);color:var(--amber-ink)}
@media (max-width:960px){.doc{grid-template-columns:1fr;gap:10px}.toc{position:static;border-left:0;padding:16px;background:var(--mist);border-radius:var(--radius)}}
.prose{max-width:760px}
.prose h2{padding-top:.2em}
.prose h2::before{content:"";display:block;width:42px;height:4px;border-radius:4px;background:var(--aqua);margin-bottom:14px}
.reviewed{display:inline-flex;align-items:center;gap:7px;font-size:.84rem;color:var(--muted);background:var(--mist);padding:6px 12px;border-radius:999px}
.guide-hero{position:relative;overflow:hidden;background:linear-gradient(150deg,var(--deep),var(--slate));color:#d4e7ea;padding:34px 0 64px}
.guide-hero h1{color:#fff;font-size:clamp(1.85rem,4.4vw,2.8rem);max-width:20em}
.guide-hero .lede{max-width:44em;font-size:1.08rem}
.guide-hero .reviewed{background:rgba(255,255,255,.08);color:#b9d4d9}
.crumbs{font-size:.84rem;padding:12px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li{margin:0;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px;color:#9fb8bf}
.guide-hero + .crumbs, .crumbs{color:var(--muted)}

/* callouts */
.note,.warn{border-radius:12px;padding:16px 18px;margin:1.4em 0;font-size:.97rem}
.note{background:#e3f7f5;border-left:5px solid var(--aqua-ink)}
.warn{background:var(--amber-soft);border-left:5px solid var(--amber)}
.note strong,.warn strong{font-family:var(--head);color:var(--deep)}
.cite{font-size:.86rem;color:var(--muted)}

/* table */
.tbl-wrap{overflow-x:auto;margin:1.3em 0;border:1px solid var(--line);border-radius:12px;background:var(--white)}
table{border-collapse:collapse;width:100%;font-size:.94rem;min-width:520px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-family:var(--head);font-size:.82rem;letter-spacing:.04em;background:var(--mist);color:var(--deep)}
tr:last-child td{border-bottom:0}
td .y{color:var(--aqua-ink);font-weight:700}
td .n{color:#a3271b;font-weight:700}

/* steps */
.steps{list-style:none;padding:0;counter-reset:s;margin:1.2em 0}
.steps li{position:relative;padding:0 0 18px 54px;margin:0}
.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:10px;background:var(--deep);color:var(--aqua);font:800 .95rem/36px var(--head);text-align:center}
.steps li::after{content:"";position:absolute;left:17px;top:40px;bottom:4px;width:2px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps strong{font-family:var(--head);color:var(--deep)}

/* faq */
.faq{margin-top:1em}
.faq-item{border:1px solid var(--line);border-radius:12px;background:var(--white);margin-bottom:10px}
.faq-item summary{cursor:pointer;list-style:none;padding:16px 48px 16px 18px;font:700 1rem/1.4 var(--head);color:var(--deep);position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.4rem;color:var(--aqua-ink)}
.faq-item[open] summary::after{content:"\2212"}
.faq-item > div{padding:0 18px 14px}
.faq-item > div p:last-child{margin-bottom:0}

/* side card in guide */
.aside-card{background:var(--deep);color:#cfe3e7;border-radius:var(--radius);padding:22px;margin:2em 0}
.aside-card h3{color:#fff;margin-top:0}
.aside-card a:not(.btn){color:var(--aqua)}

/* firm role */
.firm-box{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:20px;padding:24px}
.firm-box img{background:var(--deep);padding:14px;border-radius:12px}
@media (max-width:640px){.firm-box{grid-template-columns:1fr}}

/* review band */
.band{position:relative;background:var(--abyss);color:#cfe3e7;padding:70px 0 56px;margin-top:20px}
.band-wave{position:absolute;top:-1px;left:0;width:100%;height:60px;color:var(--foam);transform:scaleY(-1)}
.band-in{position:relative;display:grid;grid-template-columns:1.4fr 1fr;gap:30px;align-items:center}
.band h2{color:#fff;margin-top:0}
.band-act{display:flex;flex-direction:column;gap:12px}
@media (max-width:820px){.band-in{grid-template-columns:1fr}}

/* sitemap list */
.smap{list-style:none;padding:0;display:grid;gap:10px}
.smap li{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:0}
.smap a{font:700 1rem/1.3 var(--head)}
.smap span{display:block;font-size:.88rem;color:var(--muted);margin-top:4px}

/* footer */
.foot{background:#04131a;color:#9fbac1;padding:50px 0 92px;font-size:.92rem}
.foot a{color:#d4e7ea}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:34px}
@media (max-width:820px){.foot-grid{grid-template-columns:1fr}}
.foot-logo{font:800 1.15rem/1 var(--head);color:#fff}
.foot-logo span{color:var(--aqua)}
.foot-h{font:700 .78rem/1 var(--head);letter-spacing:.14em;text-transform:uppercase;color:#fff;margin-bottom:14px}
.foot ul{list-style:none;padding:0}
.foot-tel{font:800 1.2rem/1 var(--head);color:var(--amber)!important;text-decoration:none}
.foot-legal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:22px;font-size:.84rem}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 18px}
@media (min-width:821px){.foot{padding-bottom:40px}}

/* mobile dock */
.dock{position:fixed;left:0;right:0;bottom:0;z-index:50;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:8px 10px calc(8px + env(safe-area-inset-bottom));background:rgba(7,28,37,.97);border-top:1px solid rgba(53,224,208,.3)}
.dock a{display:flex;justify-content:center;align-items:center;min-height:48px;border-radius:999px;font:700 .95rem/1 var(--head);text-decoration:none;background:var(--amber);color:var(--abyss)}
.dock a.dock-b{background:var(--aqua)}
@media (min-width:821px){.dock{display:none}}

/* 404 */
.lost{text-align:center;padding:80px 0}
.lost .big{font:800 clamp(4rem,14vw,8rem)/1 var(--head);color:var(--teal);opacity:.25}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media (max-width:480px){.mast-tel{display:none}}