/* ==========================================================================
   site.css - Route 66 Outdoors public website. ASC Warranty public website (re-skin, 2026-10-07, Sterling / Claude)
   Loaded by scripts/Public.Master on every public page, after nav.css.
   Block 1: header + footer (master).  Block 2: the .nh design system every page
   is built from (tokens, type, buttons, section patterns).  Block 3: page
   patterns (page headers, split layouts, panels, forms, quiz, calculator, legal).
   Previous site styles are in backup/2026-10-07-reskin/scripts/.
   ========================================================================== */

html, body {width:auto!important;margin:0;padding:0;scroll-behavior:smooth;}
html {overflow-x:hidden!important;}
body {background:#f3f5f2;color:#3d3d3d;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",sans-serif;}

/* ---------- header ---------- */
.hd{position:sticky;top:0;z-index:1040;background:#ffffff;border-bottom:1px solid #e1e7e0;}
.hd-in{max-width:1240px;margin:0 auto;padding:0 24px;display:flex;align-items:center;gap:18px;height:88px;}
.hd-logo{display:block;flex:0 0 auto;}
.hd-logo img{height:64px;width:auto;display:block;}
/* shrink on scroll: .is-small is toggled by the script in the master */
.hd-in,.hd-logo img,#siteNav[data-nav="public"] .tnav,#siteNav[data-nav="public"] .tnav-items,#siteNav[data-nav="public"] .tnav-link{transition:height .22s ease;}
.hd{transition:box-shadow .22s ease;}
.hd.is-small{box-shadow:0 6px 18px rgba(0,0,0,.08);}
.hd.is-small .hd-in{height:66px;}
.hd.is-small .hd-logo img{height:46px;}
.hd.is-small #siteNav[data-nav="public"] .tnav,
.hd.is-small #siteNav[data-nav="public"] .tnav-items,
.hd.is-small #siteNav[data-nav="public"] .tnav-link{height:66px;}
.hd.is-small #siteNav[data-nav="public"] .tnav-menu{top:66px;}
@media (prefers-reduced-motion:reduce){.hd,.hd-in,.hd-logo img,#siteNav[data-nav="public"] .tnav,#siteNav[data-nav="public"] .tnav-items,#siteNav[data-nav="public"] .tnav-link{transition:none;}}
/* nav.js builds the menu inside #siteNav; restyle its public bar to sit inside this header */
#siteNav[data-nav="public"]{position:static;flex:1 1 auto;min-width:0;height:auto!important;background:transparent!important;box-shadow:none!important;
   --nav-bg:transparent;--nav-text:#1b2b1d;--nav-accent:#416d45;--nav-menu-border:#e1e7e0;--nav-menu-hover:rgba(65,109,69,.07);}
#siteNav[data-nav="public"] .tnav{height:88px;padding:0;background:transparent;}
#siteNav[data-nav="public"] .tnav-items{height:88px;justify-content:flex-end;}
#siteNav[data-nav="public"] .tnav-link{height:88px;padding:0 13px;font:500 14.5px "Instrument Sans",sans-serif;border-top:0;border-bottom:3px solid transparent;}
#siteNav[data-nav="public"] .tnav-link:hover,#siteNav[data-nav="public"] .tnav-item.open > .tnav-link{background:transparent;color:#416d45!important;}
#siteNav[data-nav="public"] .tnav-item.active > .tnav-link{border-bottom-color:#416d45;}
#siteNav[data-nav="public"] .tnav-menu{top:88px;border-radius:0 0 16px 16px;box-shadow:0 16px 36px rgba(0,0,0,.14);padding:8px 0;}
#siteNav[data-nav="public"] .tnav-menu-link{font:400 14px/1.4 system-ui,"Segoe UI",sans-serif;padding:10px 18px;}
.hd-acct{position:relative;flex:0 0 auto;}
.hd-login{display:inline-flex;align-items:center;gap:9px;padding:11px 20px;border-radius:999px;background:#1b2b1d;color:#fff;border:0;font:600 14px/1 "Instrument Sans",sans-serif;cursor:pointer;transition:background .18s;}
.hd-login:hover,.hd-login[aria-expanded="true"]{background:#416d45;color:#fff;}
.hd-login i{font-size:13px;}
.hd-panel{display:none;position:absolute;right:0;top:calc(100% + 14px);width:330px;background:#fff;border:1px solid #e1e7e0;border-radius:18px;padding:22px;box-shadow:0 20px 44px rgba(0,0,0,.16);z-index:1050;}
.hd-panel.open{display:block;}
.hd-panel h5{font:600 16px "Instrument Sans",sans-serif;color:#1b2b1d;margin:0 0 14px;}
.hd-panel label{display:block;font:600 12px "Instrument Sans",sans-serif;color:#6f6f6f;margin-bottom:6px;}
.hd-panel .input-group{margin-bottom:12px;}
.hd-panel .input-group-text{background:#f3f5f2;border-color:#d7dfd6;color:#6f6f6f;border-radius:10px 0 0 10px;}
.hd-panel .form-control{border-color:#d7dfd6;border-radius:0 10px 10px 0;padding:10px 12px;}
.hd-panel .form-control:focus{border-color:#416d45;box-shadow:0 0 0 3px rgba(65,109,69,.12);}
.hd-panel .hd-submit{width:100%;border:0;border-radius:999px;background:#416d45;color:#fff;padding:12px;font:600 14px "Instrument Sans",sans-serif;margin-top:4px;}
.hd-panel .hd-submit:hover{background:#345838;}
.hd-panel .hd-forgot{display:block;text-align:center;margin-top:12px;font-size:13px;color:#416d45;}
.hd-panel .alert{font-size:13px;}
@media (max-width:768px){
  .hd-in{height:70px;padding:0 12px 0 16px;gap:10px;}
  .hd-logo img{height:50px;}
  #siteNav[data-nav="public"]{flex:0 0 auto;order:3;}
  #siteNav[data-nav="public"] .mnav-bar{background:transparent;height:44px;padding:0;}
  #siteNav[data-nav="public"] .mnav-brand{display:none!important;}
  #siteNav[data-nav="public"] .mnav-burger span{background:#1b2b1d;}
  .hd-acct{order:2;margin-left:auto;}
  .hd-login{padding:9px 14px;font-size:13px;}
  .hd-panel{position:fixed;left:12px;right:12px;top:82px;width:auto;}
  .hd.is-small .hd-in{height:58px;}
  .hd.is-small .hd-logo img{height:40px;}
  .hd.is-small .hd-panel{top:70px;}
}

/* ---------- footer ---------- */
.ft{background:#1b2b1d;color:rgba(255,255,255,.72);font-size:14.5px;line-height:1.6;}
.ft a{color:rgba(255,255,255,.78);text-decoration:none;}
.ft a:hover{color:#fff;}
.ft-in{max-width:1240px;margin:0 auto;padding:56px 24px 0;}
.ft-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1.1fr 1.4fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.12);}
.ft-brand img{height:62px;width:auto;display:block;margin-bottom:18px;}
.ft-brand p{margin:0 0 18px;}
.ft-social{display:flex;gap:10px;margin-bottom:18px;}
.ft-social a{width:38px;height:38px;border-radius:50%;background:rgba(255,255,255,.08);display:inline-flex;align-items:center;justify-content:center;font-size:16px;color:#fff;}
.ft-social a:hover{background:#416d45;}
.ft h4{font:600 14px "Instrument Sans",sans-serif;color:#fff;margin:0 0 16px;letter-spacing:.02em;}
.ft ul{list-style:none;margin:0;padding:0;}
.ft li{margin-bottom:9px;}
.ft-tel{margin-bottom:14px;}
.ft-tel span{display:block;font-size:12.5px;color:rgba(255,255,255,.5);}
.ft-tel a{font:600 17px "Instrument Sans",sans-serif;color:#fff;}
.ft-bbb{display:inline-block;margin-top:6px;}
.ft-bbb img{height:76px;width:auto;display:block;}
.ft-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px 24px;padding:22px 0 26px;font-size:13px;color:rgba(255,255,255,.5);}
.ft-bottom a{margin-right:18px;}
@media (max-width:991px){
  .ft-grid{grid-template-columns:1fr 1fr;gap:32px;}
  .ft-brand{grid-column:1/-1;}
  .ft-contact{grid-column:1/-1;}
}
@media (max-width:575px){
  .ft-in{padding:44px 16px 0;}
  .ft-grid{grid-template-columns:1fr;gap:28px;}
  .ft-bottom{flex-direction:column;}
}

/* ==========================================================================
   .nh design system
   ========================================================================== */
.nh{--bg:#f3f5f2;--card:#ffffff;--ink:#1b2b1d;--body:#3d3d3d;--muted:#6f6f6f;--line:#e1e7e0;--red:#416d45;--red-dark:#345838;--red-soft:#8fcf96;--red-tint:#e9f1ea;--dark:#1b2b1d;--r:22px;
    --pad:64px;--gap:18px;--stack:32px;
    --fs-title:20px;--fs-lead:18px;--fs-body:16px;--fs-card:15px;--fs-ui:14px;--fs-meta:13px;--fs-label:12px;
    background:var(--bg);color:var(--body);font-size:var(--fs-body);line-height:1.65;}  /* no overflow-x here: it would turn .nh into the scrollport and break position:sticky; html already clips */
.nh *{box-sizing:border-box;}
.nh h1,.nh h2,.nh h3,.nh h4{font-family:"Instrument Sans","Segoe UI",sans-serif;color:var(--ink);margin:0;text-align:left;}
.nh h1,.nh h2{font-weight:500;letter-spacing:-.02em;line-height:1.12;}
.nh h3,.nh h4{font-weight:600;letter-spacing:-.01em;line-height:1.2;}
.nh h2{font-size:clamp(28px,2.8vw,38px);margin-bottom:12px;}
.nh h3{font-size:var(--fs-title);margin-bottom:10px;}
.nh h4{font-size:17px;margin-bottom:8px;}
.nh h1,.nh h2,.nh h3{text-wrap:balance;}
.nh p,.nh li{text-wrap:pretty;}
.nh p{margin:0 0 16px;}
.nh p:last-child{margin-bottom:0;}
.nh a{color:var(--red);}
.nh .wrap{width:100%;max-width:1240px;margin:0 auto;padding:0 24px;}
.nh .wrap-narrow{max-width:860px;}
.nh section{padding:var(--pad) 0;}
.nh-lead{font-size:var(--fs-lead);color:var(--body);}
.nh-center{text-align:center;}
.nh-center h2{text-align:center;}
.nh-white{background:var(--card);}
.nh-dark-band{background:var(--dark);color:#fff;}
.nh-dark-band h2,.nh-dark-band h3{color:#fff;}
.nh-dark-band p{color:rgba(255,255,255,.8);}
.nh-muted{color:var(--muted);}
.nh-small{font-size:var(--fs-meta);}

/* split section header: label + headline left, intro paragraph right */
.nh-split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:end;}
.nh-split h2{margin-bottom:0;}

/* section label */
.nh-tag{display:inline-block;font:600 12px/1 "Instrument Sans",sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:14px;}
.nh .nh-tag.on-dark{color:var(--red-soft);}

/* buttons */
.nh-btn{display:inline-flex;align-items:center;gap:10px;padding:13px 24px;border-radius:999px;border:1.5px solid transparent;
        font:600 14px/1.2 "Instrument Sans",sans-serif;text-decoration:none!important;cursor:pointer;transition:background .18s,color .18s,border-color .18s;white-space:nowrap;}
.nh-btn i{font-size:12px;}
.nh-btn-red{background:var(--red);color:#fff!important;border-color:var(--red);}
.nh-btn-red:hover{background:var(--red-dark);border-color:var(--red-dark);}
.nh-btn-dark{background:var(--ink);color:#fff!important;border-color:var(--ink);}
.nh-btn-dark:hover{background:#0f1a11;}
.nh-btn-line{background:transparent;color:var(--ink)!important;border-color:#c9c4bc;}
.nh-btn-line:hover{border-color:var(--ink);}
.nh-btn-white{background:#fff;color:var(--ink)!important;border-color:#fff;}
.nh-btn-white:hover{background:#eeeae4;border-color:#eeeae4;}
.nh-btn-ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.55);}
.nh-btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.1);}
.nh-btn-lg{padding:15px 30px;font-size:15px;}
.nh-btn[disabled],.nh-btn:disabled{opacity:.45;cursor:not-allowed;}
.nh-btns{display:flex;flex-wrap:wrap;gap:10px;align-items:center;}
.nh-btns.after{margin-top:var(--stack);}
.nh .nh-more{display:inline-flex;align-items:center;gap:8px;font:600 14px "Instrument Sans",sans-serif;color:var(--ink);text-decoration:none;}
.nh-btns .nh-more{margin-left:6px;}
.nh-more i{flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:var(--ink);color:#fff;font-size:11px;display:inline-flex;align-items:center;justify-content:center;transition:background .18s;}
.nh .nh-more:hover{color:var(--red);}
.nh-more:hover i{background:var(--red);}
.nh-dark-band .nh-more,.nh-dark .nh-more,.pg-hero .nh-more{color:#fff;}
.nh-dark-band .nh-more i,.nh-dark .nh-more i,.pg-hero .nh-more i{background:#fff;color:var(--ink);}

/* ---------- home hero: wide video band under the header, flat dark tint, text on the video ---------- */
.nh section.nh-hero{position:relative;display:flex;align-items:center;height:min(72vh,620px);min-height:540px;padding:0;overflow:hidden;background:var(--dark);color:#fff;}
.nh-hero video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 50%;}  /* no zoom, centred (Sterling, 2026-10-07) */
.nh-hero::after{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;background:rgba(27,43,29,.45);}  /* #1b2b1d tint at 70% (Sterling, 2026-10-07) */
.nh-hero .wrap{position:relative;z-index:2;}
.nh-hero h1{font-size:clamp(40px,4.6vw,64px);font-weight:700;letter-spacing:-.025em;line-height:1.08;color:#fff;margin:0 0 18px;}
.nh-hero h1 .ln{display:block;}
.nh-hero p{font-size:var(--fs-lead);color:rgba(255,255,255,.9);max-width:560px;margin-bottom:30px;}
.nh .nh-hero-link{display:inline-flex;align-items:center;gap:8px;margin-left:10px;font:600 14px "Instrument Sans",sans-serif;color:#fff;text-decoration:none;}
.nh .nh-hero-link:hover{text-decoration:underline;}
.nh-hero-link i{font-size:12px;}

/* statement: white band under the dark hero */
.nh section.nh-statement{padding:var(--pad) 0;}
.nh-statement h2{font-size:clamp(22px,2.4vw,31px);font-weight:400;line-height:1.45;letter-spacing:-.01em;max-width:900px;margin:0 auto;text-align:center;}
/* home statement: a smaller photo beside a white card in the claim-card style (Ed, 2026-10-11) */
.nh section.nh-stmt-band{background:var(--bg);}
.nh-stmt{display:grid;grid-template-columns:5fr 7fr;align-items:center;}
.nh-stmt-media{position:relative;z-index:1;}
.nh-stmt-media .nh-photo{aspect-ratio:4/3;box-shadow:0 18px 40px rgba(0,0,0,.18);}
.nh-stmt-media .nh-photo img{object-position:45% 60%;}
.nh-stmt-badge{position:absolute;z-index:2;left:20px;bottom:-22px;display:flex;align-items:center;gap:12px;padding:12px 18px;border-radius:16px;background:var(--dark);color:#fff;box-shadow:0 14px 30px -14px rgba(0,0,0,.55);}
.nh-stmt-badge .num{font:600 30px/1 "Instrument Sans",sans-serif;letter-spacing:-.02em;color:var(--red-soft);}
.nh-stmt-badge .lbl{font-size:var(--fs-meta);line-height:1.35;color:rgba(255,255,255,.85);}
.nh-stmt-card{position:relative;z-index:2;margin-left:-56px;background:var(--card);border-radius:22px;border-top:4px solid var(--red);padding:40px 44px;box-shadow:0 18px 40px rgba(0,0,0,.12);}
.nh-stmt-card h2{max-width:none;margin:0 0 16px;text-align:left;font-size:clamp(22px,2vw,28px);font-weight:500;line-height:1.3;color:var(--ink);}
.nh-stmt-card .nh-lead{margin-bottom:22px;}
.nh-stmt-types{list-style:none;margin:0 0 26px;padding:0;display:grid;gap:8px;}
.nh-stmt-types li{display:flex;align-items:center;gap:14px;padding:10px 14px;border:1px solid var(--line);border-radius:14px;background:var(--bg);color:var(--ink);font-weight:500;font-size:var(--fs-card);}
.nh-stmt-types i{flex:0 0 34px;width:34px;height:34px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:var(--red-tint);color:var(--red);font-size:14px;}
@media (max-width:991px){
  .nh-stmt{grid-template-columns:1fr;}
  .nh-stmt-media{max-width:560px;width:100%;margin:0 auto;}
  .nh-stmt-card{margin:-36px 12px 0;padding:44px 26px 28px;}
  .nh-stmt-badge{bottom:auto;top:16px;left:16px;}
}
@media (max-width:575px){
  .nh-stmt-card{margin:-28px 6px 0;padding:40px 20px 24px;}
  .nh-stmt-badge{padding:10px 14px;}
  .nh-stmt-badge .num{font-size:24px;}
}

/* feature cards */
.nh-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--gap);margin-top:var(--stack);}
.nh-card{background:var(--card);border-radius:var(--r);padding:28px 26px 26px;display:flex;flex-direction:column;}
.nh-card .ico{width:44px;height:44px;border-radius:50%;border:1.5px solid var(--ink);color:var(--ink);display:flex;align-items:center;justify-content:center;font-size:16px;margin-bottom:20px;}
.nh-card p{font-size:var(--fs-card);flex:1 1 auto;margin-bottom:20px;}
.nh-cards.three{grid-template-columns:repeat(3,1fr);}
.nh-cards.two{grid-template-columns:repeat(2,1fr);}
.nh-card.beige{background:var(--bg);}

/* who we serve */
.nh-track{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap);margin-top:var(--stack);}
.nh-aud{background:var(--bg);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;}
.nh-aud .top{padding:22px 26px 18px;border-bottom:1px solid var(--line);display:flex;align-items:center;gap:12px;font:600 var(--fs-title) "Instrument Sans",sans-serif;color:var(--ink);}
.nh-aud .top i{width:36px;height:36px;border-radius:50%;background:var(--card);color:var(--red);font-size:14px;display:inline-flex;align-items:center;justify-content:center;}
.nh-aud .body{padding:20px 26px 26px;display:flex;flex-direction:column;flex:1 1 auto;}
.nh-aud .body p{font-size:var(--fs-card);flex:1 1 auto;margin-bottom:16px;}

/* stats (dark band): big plain numbers split by thin rules */
.nh-stats{background:var(--dark);}
.nh-stats h2{color:#fff;}
.nh-stats .grid{display:grid;grid-template-columns:repeat(3,1fr);margin-top:var(--stack);}
.nh-stats .grid.four{grid-template-columns:repeat(4,1fr);}
.nh-stat{position:relative;padding:6px 32px 8px;}
.nh-stat:first-child{padding-left:0;}
.nh-stat + .nh-stat{border-left:1px solid rgba(255,255,255,.18);}
.nh-stat .num{font:400 clamp(56px,6vw,88px)/1 "Instrument Sans",sans-serif;color:var(--red-soft);letter-spacing:-.03em;}
.nh-stat .lbl{font-size:var(--fs-body);color:rgba(255,255,255,.75);padding-top:12px;max-width:260px;}

/* claims: white accordion card floating on a full-width photo */
.nh-claimbox{position:relative;margin-top:var(--stack);border-radius:28px;overflow:hidden;min-height:620px;background:#1b2b1d;display:flex;align-items:center;justify-content:flex-start;padding:40px;}
.nh-claimbox > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:70% 70%;}
.nh-claimcard{position:relative;width:min(470px,100%);background:var(--card);border-radius:22px;padding:10px 30px 14px;box-shadow:0 18px 40px rgba(0,0,0,.2);}
.nh-acc h3{margin:0;}
.nh-acc .accordion-item{border:0;border-top:1px solid var(--line);background:transparent;border-radius:0!important;}
.nh-acc .accordion-item:first-child{border-top:0;}
.nh-acc .accordion-button{padding:18px 0;background:transparent!important;color:var(--ink)!important;font:600 var(--fs-title) "Instrument Sans",sans-serif;box-shadow:none!important;border-radius:0!important;gap:16px;}
.nh-acc .accordion-button::after{content:"\002B";flex:0 0 30px;background-image:none!important;width:30px;height:30px;border-radius:50%;border:1px solid #c9c4bc;font:400 20px/28px "Instrument Sans",sans-serif;text-align:center;color:var(--ink);transform:none!important;}
.nh-acc .accordion-button:not(.collapsed)::after{content:"\2212";background:var(--ink);color:#fff;border-color:var(--ink);}
.nh-acc .accordion-body{padding:0 0 20px;font-size:var(--fs-card);}
.nh-acc ul{margin:0 0 16px;padding-left:20px;}
.nh-acc li{margin-bottom:5px;}
/* accordion as a stack of white cards (FAQ pages) */
.nh-acc.cards .accordion-item{background:var(--card);border:0;border-radius:18px!important;margin-bottom:12px;padding:4px 26px;}
.nh-acc.cards .accordion-button{font-size:18px;}
.nh-acc.cards .accordion-body{font-size:var(--fs-body);padding-bottom:22px;}
/* claim steps joined by a thin solid line */
.nh-steps{list-style:none;padding:0;margin:0;}
.nh-steps li{position:relative;display:flex;gap:14px;padding-bottom:16px;margin:0;}
.nh-steps li:not(:last-child)::before{content:"";position:absolute;left:14px;top:34px;bottom:2px;width:2px;background:var(--line);}
.nh-steps .n{flex:0 0 30px;width:30px;height:30px;border-radius:50%;background:var(--red);color:#fff;font:600 13px/30px "Instrument Sans",sans-serif;text-align:center;}
.nh-steps b{display:block;color:var(--ink);font:600 15px "Instrument Sans",sans-serif;margin-bottom:2px;}
.nh-steps.lg li{padding-bottom:26px;gap:18px;}
.nh-steps.lg li:not(:last-child)::before{left:19px;top:44px;}
.nh-steps.lg .n{flex:0 0 40px;width:40px;height:40px;font-size:15px;line-height:40px;}
.nh-steps.lg b{font-size:18px;margin-bottom:6px;}
.nh-steps.lg div{font-size:var(--fs-body);}

/* chat: full-width red band */
.nh-chatwrap{background:var(--red);padding:36px 0;}
.nh-chat{color:#fff;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;}
.nh-chat h3{color:#fff;margin-bottom:4px;}
.nh-chat p{color:rgba(255,255,255,.88);margin:0;}
/* same band, dark */
.nh-chatwrap.dark{background:var(--dark);}

/* people: photo with a floating white caption card, two dark cards */
.nh-people .grid{display:grid;grid-template-columns:7fr 5fr;grid-template-rows:1fr 1fr;gap:var(--gap);margin-top:var(--stack);}
.nh-big{grid-row:1/3;position:relative;border-radius:28px;overflow:hidden;min-height:500px;background:#1b2b1d;}
.nh-big img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:60% 50%;}
.nh-big::after{content:"";position:absolute;inset:0;background:rgba(0,0,0,.22);pointer-events:none;z-index:1;}  /* slight black overlay (Sterling, 2026-10-07) */
.nh-big .cap{position:absolute;z-index:2;left:22px;bottom:22px;right:22px;max-width:470px;background:var(--card);border-radius:18px;padding:24px 26px;box-shadow:0 14px 32px rgba(0,0,0,.18);}
.nh-big .cap p{font-size:var(--fs-card);}
.nh-dark{background:var(--dark);color:#fff;border-radius:var(--r);padding:28px 26px 26px;display:flex;flex-direction:column;}
.nh-dark h3,.nh-dark h4{color:#fff;}
.nh-dark p{color:rgba(255,255,255,.8);font-size:var(--fs-card);}
.nh-dark .ico{width:44px;height:44px;border-radius:50%;border:1.5px solid var(--red-soft);color:var(--red-soft);display:flex;align-items:center;justify-content:center;font-size:16px;margin-bottom:20px;}
.nh-dark a{color:#fff;}

/* testimonials */
.nh-quotes .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap);margin-top:var(--stack);}
.nh-quote{background:var(--card);border-radius:var(--r);padding:28px 26px 26px;display:flex;flex-direction:column;}
.nh-quote .qmark{font:600 64px/0.6 Georgia,serif;color:var(--red);height:34px;}
.nh-quote p{font-size:var(--fs-card);flex:1 1 auto;}
.nh-quote .who{font:600 14px "Instrument Sans",sans-serif;color:var(--ink);margin-top:18px;padding-top:14px;border-top:1px solid var(--line);}
.nh-quote .who span{display:block;font:400 var(--fs-meta)/1.4 system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--muted);margin-top:2px;}
/* masonry columns for a long list of quotes */
.nh-masonry{columns:2;column-gap:var(--gap);margin-top:var(--stack);}
.nh-masonry .nh-quote{break-inside:avoid;margin-bottom:var(--gap);display:block;}
.nh-masonry .nh-quote p{font-size:var(--fs-body);}

/* closing cta: solid dark card */
.nh-ctawrap{padding:0 0 var(--pad);}
.nh-cta{position:relative;overflow:hidden;border-radius:28px;background:var(--dark);color:#fff;padding:72px 40px;text-align:center;}
.nh-cta .in{position:relative;max-width:720px;margin:0 auto;z-index:1;}
.nh-cta h2{color:#fff;text-align:center;}
.nh-cta h2 span{color:var(--red-soft);white-space:nowrap;}
.nh-cta p{color:rgba(255,255,255,.8);font-size:var(--fs-lead);}
.nh-cta .nh-btns{justify-content:center;margin-top:24px;}
.nh-cta.red{background:var(--red);}
.nh-cta.red h2 span{color:#fff;}
.nh-cta.compact{padding:52px 40px;}

/* motion */
@keyframes nhUp{from{opacity:0;transform:translateY(14px);}to{opacity:1;transform:none;}}
.nh-hero .wrap > :not(h1){animation:nhUp .7s cubic-bezier(.2,.7,.2,1) both;}
.nh-hero .wrap > :nth-child(2){animation-delay:.55s;}
.nh-hero .wrap > :nth-child(3){animation-delay:.68s;}
@keyframes nhCut{from{clip-path:inset(50% 0 50% 0);opacity:.2;transform:scaleY(1.06);}to{clip-path:inset(-12% 0 -18% 0);opacity:1;transform:none;}}
.nh-hero h1 .ln{animation:nhCut .9s cubic-bezier(.7,0,.2,1) both;animation-delay:.12s;}
.nh-hero h1 .ln + .ln{animation-delay:.28s;}
.js-reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.2,1);transition-delay:var(--d,0ms);}
.js-reveal.in{opacity:1;transform:none;}
.nh-card,.nh-aud,.nh-quote,.nh-dark{transition:transform .25s ease,box-shadow .25s ease;}
.nh-card:hover,.nh-aud:hover,.nh-quote:hover,.nh-dark:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(0,0,0,.08);}
.nh-claimbox > img,.nh-big img{transition:transform 1.4s cubic-bezier(.2,.7,.2,1);}
.nh-claimbox:hover > img,.nh-big:hover img{transform:scale(1.03);}
.nh-more i,.nh-hero-link i{transition:background .18s,transform .2s ease;}
.nh .nh-more:hover i,.nh .nh-hero-link:hover i{transform:translateX(3px);}
.nh-btn:active{transform:translateY(1px);}
@media (prefers-reduced-motion:reduce){
  .nh-hero .wrap > *,.nh-hero h1 .ln{animation:none;}
  .js-reveal{opacity:1;transform:none;transition:none;}
  .nh-card,.nh-aud,.nh-quote,.nh-dark,.nh-claimbox > img,.nh-big img,.nh-more i,.nh-hero-link i{transition:none;}
  .nh-card:hover,.nh-aud:hover,.nh-quote:hover,.nh-dark:hover,.nh-claimbox:hover > img,.nh-big:hover img{transform:none;}
}

/* ==========================================================================
   page patterns (inner pages)
   ========================================================================== */
/* page header: dark band with label, title, lead; .photo adds a tinted photo; .compact is shorter */
.nh .pg-hero{position:relative;background:var(--dark);color:#fff;padding:72px 0 60px;overflow:hidden;}
.nh .pg-hero.compact{padding:52px 0 44px;}
.nh .pg-hero.photo{min-height:380px;display:flex;align-items:flex-end;background-size:cover;background-position:center;}
.nh .pg-hero.photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,0,0,.55),rgba(0,0,0,.82));pointer-events:none;}  /* darker overlay (Sterling, 2026-10-07) */
.nh .pg-hero .wrap{position:relative;z-index:1;}
.nh .pg-hero h1{font-size:clamp(34px,4vw,54px);color:#fff;margin:0 0 14px;max-width:18ch;}
.nh .pg-hero .pg-lead{font-size:var(--fs-lead);color:rgba(255,255,255,.82);max-width:640px;margin:0;}
.nh .pg-hero .pg-row{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:end;}
.nh .pg-hero .pg-row .pg-lead{justify-self:end;}
.nh .pg-hero .nh-btns{margin-top:26px;}
.nh .pg-hero .nh-btn-line{color:#fff!important;border-color:rgba(255,255,255,.55);}
.nh .pg-hero .nh-btn-line:hover{border-color:#fff;}
.nh .pg-hero.red{background:var(--red);}
.nh .pg-hero.red .nh-tag.on-dark{color:#fff;opacity:.85;}
.nh .pg-hero.red .pg-lead{color:rgba(255,255,255,.9);}
/* stats inside a page header */
.nh .pg-hero .nh-stats-row{display:grid;grid-template-columns:repeat(4,1fr);margin-top:44px;padding-top:36px;border-top:1px solid rgba(255,255,255,.14);}

/* split page layout: narrow sticky column + wide content */
.nh .pg-split{display:grid;grid-template-columns:5fr 7fr;gap:48px;align-items:start;}
.nh .pg-split.rev{grid-template-columns:7fr 5fr;}
.nh .pg-split.even{grid-template-columns:1fr 1fr;}
.nh .pg-sticky{position:sticky;top:112px;}
.hd.is-small ~ .nh .pg-sticky{top:90px;}

/* panels */
.nh-panel{background:var(--card);border-radius:var(--r);padding:32px;}
.nh-panel.beige{background:var(--bg);}
.nh-panel.tight{padding:24px 26px;}
.nh-panel + .nh-panel{margin-top:var(--gap);}
.nh-panel h3{margin-bottom:14px;}
.nh-panel.dark{background:var(--dark);color:#fff;}
.nh-panel.dark h3,.nh-panel.dark h4{color:#fff;}
.nh-panel.dark p{color:rgba(255,255,255,.8);}

/* red note (warnings) */
.nh-note{display:flex;gap:14px;align-items:flex-start;background:var(--red-tint);color:#7a1113;border-radius:16px;padding:18px 22px;font-size:var(--fs-card);}
.nh-note i{color:var(--red);font-size:18px;margin-top:3px;}
.nh-note b{display:block;color:#7a1113;font:600 15px "Instrument Sans",sans-serif;margin-bottom:2px;}
.nh-note.on-dark{background:rgba(255,255,255,.08);color:rgba(255,255,255,.88);}
.nh-note.on-dark b{color:#fff;}
.nh-note.on-dark i{color:var(--red-soft);}

/* check list */
.nh-check{list-style:none;margin:0;padding:0;}
.nh-check li{position:relative;padding-left:30px;margin-bottom:10px;}
.nh-check li::before{content:"\f00c";font-family:"Font Awesome 6 Free";font-weight:900;position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--red);color:#fff;font-size:10px;line-height:20px;text-align:center;}
.nh-check.two{display:grid;grid-template-columns:1fr 1fr;gap:0 24px;}
.nh-dark .nh-check li::before,.nh-panel.dark .nh-check li::before{background:var(--red-soft);}

/* info rows (icon, label, value) */
.nh-info{list-style:none;margin:0;padding:0;}
.nh-info li{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-top:1px solid var(--line);}
.nh-info li:first-child{border-top:0;padding-top:0;}
.nh-info li:last-child{padding-bottom:0;}
.nh-info .ico{flex:0 0 42px;width:42px;height:42px;border-radius:50%;border:1.5px solid var(--ink);color:var(--ink);display:inline-flex;align-items:center;justify-content:center;font-size:15px;}
.nh-info .lbl{display:block;font:600 12px "Instrument Sans",sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:3px;}
.nh-info .val{font-size:var(--fs-body);color:var(--ink);}
.nh-info .val a{color:var(--ink);text-decoration:none;font-weight:600;}
.nh-info .val a:hover{color:var(--red);}
.nh-panel.dark .nh-info li{border-color:rgba(255,255,255,.14);}
.nh-panel.dark .nh-info .ico{border-color:var(--red-soft);color:var(--red-soft);}
.nh-panel.dark .nh-info .lbl{color:rgba(255,255,255,.55);}
.nh-panel.dark .nh-info .val,.nh-panel.dark .nh-info .val a{color:#fff;}

/* numbered list with big numerals */
.nh-numbered{display:grid;grid-template-columns:1fr 1fr;gap:var(--gap);margin-top:var(--stack);}
.nh-numbered .item{background:var(--card);border-radius:var(--r);padding:26px 28px 26px;display:flex;gap:22px;align-items:flex-start;}
.nh-numbered .n{font:400 48px/1 "Instrument Sans",sans-serif;color:var(--red);letter-spacing:-.03em;flex:0 0 52px;}
.nh-numbered p{font-size:var(--fs-body);margin:4px 0 0;}

/* facts pills */
.nh-facts{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px;}
.nh-facts li{display:inline-flex;align-items:center;gap:9px;padding:10px 18px;border-radius:999px;background:var(--card);border:1px solid var(--line);font:500 14px "Instrument Sans",sans-serif;color:var(--ink);}
.nh-facts li i{color:var(--red);font-size:13px;}
.nh-dark-band .nh-facts li,.pg-hero .nh-facts li{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.16);color:#fff;}

/* photo frame */
.nh-photo{border-radius:28px;overflow:hidden;background:#1b2b1d;}
.nh-photo img{width:100%;height:100%;object-fit:cover;display:block;}
.nh-photo.tall{aspect-ratio:4/5;max-height:620px;}
.nh-photo.wide{aspect-ratio:16/9;}

/* forms (Bootstrap inputs + Telerik controls) */
.nh-form .lbl,.nh-form label{display:block;font:600 13px "Instrument Sans",sans-serif;color:var(--ink);margin-bottom:6px;}
.nh-form .lbl .opt{font-weight:400;color:var(--muted);}
.nh-form .fld{margin-bottom:18px;}
.nh-form .grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 18px;}
.nh-form .grid3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0 18px;}
.nh-form .form-control,.nh-form .form-select{border:1px solid #ddd8d0;border-radius:12px;padding:11px 14px;font-size:15px;background:#fff;color:var(--ink);}
.nh-form .form-control:focus,.nh-form .form-select:focus{border-color:var(--red);box-shadow:0 0 0 3px rgba(65,109,69,.12);}
.nh-form textarea.form-control{min-height:140px;}
.nh-form .input-group-text{border-color:#ddd8d0;background:var(--bg);border-radius:12px 0 0 12px;}
.nh-form .input-group .form-control{border-radius:0 12px 12px 0;}
.nh-form .input-group .form-control:first-child{border-radius:12px 0 0 12px;}
.nh-form .input-group .input-group-text:last-child{border-radius:0 12px 12px 0;}
.nh-form span[style*="cc0000"],.nh-form .text-danger{display:block;font-size:12.5px;margin-top:4px;}
.nh-form .RadInput .riTextBox,.nh-form .RadInput .riTextBox:focus,.nh-form .RadComboBox .rcbInputCell .rcbInput{border-radius:12px!important;border-color:#ddd8d0!important;padding:11px 14px!important;height:auto!important;font-size:15px!important;box-shadow:none!important;}
.nh-form .RadInput,.nh-form .RadComboBox{width:100%!important;}
.nh-form .RadComboBox .rcbInputCell{border-radius:12px!important;border-color:#ddd8d0!important;}
.nh-form .RadComboBox .rcbArrowCell{border-color:#ddd8d0!important;border-radius:0 12px 12px 0!important;}
.nh-form .RadComboBox .rcbReadOnly .rcbInputCell{border-radius:12px 0 0 12px!important;}
.nh-form .RadInput_Bootstrap .riTextBox:focus{border-color:var(--red)!important;}
.nh-form textarea.riTextBox{min-height:120px;}
.nh .RadButton.rbButton,.nh .RadButton.rbButton:hover,.nh .RadButton.rbButton:focus{border-radius:999px!important;background:var(--red)!important;border:1.5px solid var(--red)!important;color:#fff!important;font:600 14px/1.2 "Instrument Sans",sans-serif!important;padding:13px 26px!important;height:auto!important;box-shadow:none!important;transition:background .18s;}
.nh .RadButton.rbButton:hover{background:var(--red-dark)!important;border-color:var(--red-dark)!important;}
.nh .RadButton.rbButton .rbText{line-height:1.2;}
.nh .RadButton.rbButton.rbSecondary,.nh .RadButton.rbButton.rbSecondary:hover{background:transparent!important;color:var(--ink)!important;border-color:#c9c4bc!important;}
.nh .RadButton.rbButton.rbSecondary:hover{border-color:var(--ink)!important;}
.nh-form .thanks{background:var(--card);border-radius:18px;padding:28px;text-align:center;}
.nh-form .thanks i{font-size:44px;color:#219c1a;margin-bottom:12px;}
.nh-form .thanks h3{margin-bottom:6px;}
.nh .alert{border:0;border-radius:14px;}

/* multi-step form dots */
.nh .step-dots{display:flex;gap:.5rem;align-items:center;justify-content:center;margin-bottom:28px;flex-wrap:wrap;}
.nh .step-dot{display:flex;align-items:center;gap:.5rem;font:600 13px "Instrument Sans",sans-serif;color:#9a9a9a;}
.nh .step-dot .b{width:32px;height:32px;border-radius:50%;background:var(--bg);border:1px solid var(--line);color:#8a8a8a;display:flex;align-items:center;justify-content:center;font-weight:600;}
.nh .step-dot.on{color:var(--ink);}
.nh .step-dot.on .b{background:var(--red);border-color:var(--red);color:#fff;}
.nh .step-dots .line{width:34px;height:1px;background:var(--line);}
.nh .formField{display:block;font:600 13px "Instrument Sans",sans-serif;color:var(--ink);margin-bottom:6px;}

/* quiz */
.nh .quiz-top{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:28px;}
.nh .quiz-top .progress{flex:1 1 auto;height:10px;border-radius:999px;background:var(--bg);}
.nh .quiz-top .progress-bar{background:var(--red);font-size:0;}
.nh .quiz-pts{font:500 15px "Instrument Sans",sans-serif;color:var(--muted);white-space:nowrap;}
.nh .quiz-pts b{font-size:26px;font-weight:600;color:var(--ink);margin-left:6px;}
.nh #quizText{font:500 clamp(22px,2.2vw,28px)/1.25 "Instrument Sans",sans-serif;color:var(--ink);margin-bottom:22px;letter-spacing:-.01em;}
.nh ul.quiz-option{list-style:none;padding:0;margin:0 0 24px;}
.nh ul.quiz-option li{position:relative;margin:0 0 10px;}
.nh ul.quiz-option li input[type=radio]{position:absolute;left:20px;top:50%;transform:translateY(-50%);width:20px;height:20px;margin:0;accent-color:var(--red);cursor:pointer;}
.nh ul.quiz-option li label{display:block;padding:16px 20px 16px 56px;border:1px solid var(--line);border-radius:14px;background:var(--bg);font-size:17px;line-height:1.4;cursor:pointer;transition:border-color .15s,background-color .15s;}
.nh ul.quiz-option li label:hover{border-color:var(--red);}
.nh ul.quiz-option li input[type=radio]:checked + label{border-color:var(--red);background:var(--red-tint);font-weight:600;}
.nh ul.quiz-option li input[type=radio]:focus-visible + label{outline:2px solid var(--red);outline-offset:2px;}
.nh .quiz-score{font:500 26px/1.2 "Instrument Sans",sans-serif;color:var(--ink);margin-bottom:16px;}
.nh .quiz-score span{color:var(--red);}
.nh .quiz-verdict{border-radius:16px;padding:20px 24px;font-size:18px;margin-bottom:22px;background:var(--bg);color:var(--ink);}
.nh .quiz-verdict.warm{background:#fff;border:1.5px solid var(--red);}
.nh .quiz-verdict.hot{background:var(--dark);color:#fff;}
.nh .quiz-legend{list-style:none;margin:0;padding:0;}
.nh .quiz-legend li{padding:18px 22px;border-radius:16px;background:var(--card);margin-bottom:12px;}
.nh .quiz-legend li b{display:block;font:600 15px "Instrument Sans",sans-serif;color:var(--ink);margin-bottom:4px;}
.nh .quiz-legend li.hot{background:var(--dark);color:rgba(255,255,255,.88);}
.nh .quiz-legend li.hot b{color:var(--red-soft);}
.nh .quiz-legend li.warm{background:var(--card);border:1.5px solid var(--red);}

/* calculator */
.nh .calc-tile{border-radius:18px;padding:22px 24px;background:var(--bg);}
.nh .calc-tile.with{background:var(--red-tint);}
.nh .calc-label{font:600 12px "Instrument Sans",sans-serif;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:6px;}
.nh .calc-result{font:500 clamp(30px,3vw,40px)/1.1 "Instrument Sans",sans-serif;color:var(--ink);letter-spacing:-.02em;}
.nh .calc-tile.with .calc-result{color:var(--red);}
.nh .calc-band{border-radius:22px;padding:30px 24px;text-align:center;background:var(--bg);color:var(--ink);margin-top:var(--gap);}  /* red as accent, not fill (Sterling, 2026-10-07) */
.nh .calc-band .calc-label{color:var(--muted);}
.nh .calc-variance{font:400 clamp(48px,5vw,72px)/1 "Instrument Sans",sans-serif;color:var(--red);letter-spacing:-.03em;margin:6px 0;}

/* legal pages */
.nh .legal h3{font-size:19px;margin:34px 0 10px;padding-top:26px;border-top:1px solid var(--line);scroll-margin-top:110px;}
.nh .legal h3:first-of-type{margin-top:0;padding-top:0;border-top:0;}
.nh .legal h3 .n{color:var(--red);margin-right:6px;}
.nh .legal ul{margin-bottom:1rem;padding-left:20px;}
.nh .legal li{margin-bottom:.35rem;}
.nh .legal-meta{color:var(--muted);font-size:var(--fs-card);margin-bottom:28px;padding-bottom:22px;border-bottom:1px solid var(--line);}
.nh .legal-meta b{display:block;font:600 18px "Instrument Sans",sans-serif;color:var(--ink);margin-bottom:6px;}
.nh .nh-toc{list-style:none;margin:0;padding:0;}
.nh .nh-toc a{display:block;padding:7px 0 7px 14px;border-left:2px solid var(--line);color:var(--body);text-decoration:none;font-size:var(--fs-ui);}
.nh .nh-toc a:hover{color:var(--red);border-left-color:var(--red);}

/* map (testimonials) */
.nh .nh-map{max-width:1100px;margin:0 auto;}
.nh .nh-audio{display:flex;justify-content:center;margin-top:18px;}
.nh .nh-audio audio{width:min(520px,100%);}

/* iframe form (dealer sign-up) */
.nh .nh-embed iframe{width:100%;border:0;min-height:900px;border-radius:12px;}

/* ---------- responsive ---------- */
@media (max-width:1199px){
  .nh-cards{grid-template-columns:repeat(2,1fr);}
  .nh-cards.three{grid-template-columns:repeat(2,1fr);}
}
@media (max-width:991px){
  .nh{--pad:52px;}
  .nh-split{grid-template-columns:1fr;gap:16px;}
  .nh-track{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:4px;}
  .nh-track::-webkit-scrollbar{display:none;}
  .nh-aud{flex:0 0 min(380px,85%);scroll-snap-align:start;}
  .nh-claimbox{min-height:0;display:block;padding:0;background:transparent;overflow:visible;}
  .nh-claimbox > img{position:static;display:block;height:300px;border-radius:24px;}
  .nh-claimcard{width:auto;margin:-48px 16px 0;}
  .nh-people .grid{grid-template-columns:1fr;grid-template-rows:auto;}
  .nh-big{grid-row:auto;min-height:440px;}
  .nh-chat{grid-template-columns:1fr;text-align:center;}
  .nh-chat .nh-btns{justify-content:center;}
  .nh-quotes .grid{grid-template-columns:1fr;}
  .nh-masonry{columns:1;}
  .nh .pg-split,.nh .pg-split.rev,.nh .pg-split.even{grid-template-columns:1fr;gap:28px;}
  .nh .pg-sticky{position:static;}
  .nh .pg-hero .pg-row{grid-template-columns:1fr;gap:16px;}
  .nh .pg-hero .pg-row .pg-lead{justify-self:start;}
  .nh .pg-hero .nh-stats-row{grid-template-columns:repeat(2,1fr);gap:24px 0;}
  .nh .pg-hero .nh-stats-row .nh-stat:nth-child(3){border-left:0;padding-left:0;}
  .nh-numbered{grid-template-columns:1fr;}
  .nh-stats .grid.four{grid-template-columns:repeat(2,1fr);gap:28px 0;}
  .nh-stats .grid.four .nh-stat:nth-child(3){border-left:0;padding-left:0;}
  .nh-photo.tall{aspect-ratio:16/10;max-height:420px;}
}
@media (max-width:767px){
  .nh{--pad:44px;--gap:12px;--stack:24px;--fs-lead:17px;}
  .nh .wrap{padding:0 16px;}
  .nh section.nh-hero{height:auto;min-height:0;padding:64px 0;}
  .nh-hero .nh-btn{width:100%;justify-content:center;}
  .nh .nh-hero-link{margin:8px 0 0;width:100%;justify-content:center;}
  .nh-cards,.nh-cards.three,.nh-cards.two{grid-template-columns:1fr;}
  .nh-stats .grid,.nh-stats .grid.four,.nh .pg-hero .nh-stats-row{grid-template-columns:1fr;gap:0;}
  .nh-stat,.nh-stat:first-child{padding:18px 0;}
  .nh-stat + .nh-stat{border-left:0;border-top:1px solid rgba(255,255,255,.18);}
  .nh-stat .num{font-size:56px;}
  .nh-claimbox > img{height:220px;}
  .nh-claimcard{margin:-40px 8px 0;padding:6px 20px 10px;}
  .nh-chatwrap{padding:30px 0;}
  .nh-chat .nh-btn{flex:1 1 100%;justify-content:center;}
  .nh-cta,.nh-cta.compact{padding:56px 22px;}
  .nh-btns .nh-btn{flex:1 1 auto;justify-content:center;}
  .nh-big{min-height:0;display:flex;flex-direction:column;background:transparent;overflow:visible;border-radius:0;}
  .nh-big img{position:static;height:260px;border-radius:22px;filter:brightness(.8);}
  .nh-big::after{display:none;}
  .nh-big .cap{position:relative;left:auto;right:auto;bottom:auto;max-width:none;margin:-40px 10px 10px;}
  .nh-dark{padding:24px 22px;}
  .nh .pg-hero{padding:52px 0 44px;}
  .nh .pg-hero.photo{min-height:300px;}
  .nh-panel{padding:24px 20px;}
  .nh-form .grid2,.nh-form .grid3{grid-template-columns:1fr;}
  .nh-check.two{grid-template-columns:1fr;}
  .nh-numbered .item{padding:22px 20px;gap:16px;}
  .nh-numbered .n{font-size:40px;flex-basis:44px;}
  .nh .quiz-top{flex-direction:column;align-items:stretch;gap:12px;}
  .nh .step-dots .line{width:16px;}
  .nh .step-dot span.t{display:none;}
  .nh .nh-embed iframe{min-height:1100px;}
  .nh .nh-acc.cards .accordion-item{padding:2px 18px;}
  .nh .nh-acc.cards .accordion-button{font-size:16px;}
}

/* ---------- compatibility for pages that keep their original Bootstrap card/button markup (claim forms) ---------- */
.nh .card.info-card{border:0;border-top:0;border-radius:var(--r);box-shadow:none;background:var(--card);height:auto;}
.nh .card.info-card > .card-body{padding:32px!important;}
.nh .card h4,.nh .card h3{font-family:"Instrument Sans",sans-serif;font-weight:600;color:var(--ink);}
.nh .btn-asc{display:inline-flex;align-items:center;gap:10px;padding:13px 24px;border-radius:999px;background:var(--red);border:1.5px solid var(--red);color:#fff;font:600 14px/1.2 "Instrument Sans",sans-serif;}
.nh .btn-asc:hover{background:var(--red-dark);border-color:var(--red-dark);color:#fff;}
.nh .btn-outline-dark,.nh .btn-outline-secondary{border-radius:999px;padding:13px 24px;font:600 14px/1.2 "Instrument Sans",sans-serif;border:1.5px solid #c9c4bc;color:var(--ink);}
.nh .btn-outline-dark:hover,.nh .btn-outline-secondary:hover{background:transparent;border-color:var(--ink);color:var(--ink);}
.nh .num-badge{width:40px;height:40px;border-radius:50%;background:var(--red);color:#fff;font:600 16px/40px "Instrument Sans",sans-serif;text-align:center;}
.nh .card .text-muted.small{color:var(--muted)!important;}
@media (max-width:767px){.nh .card.info-card > .card-body{padding:22px 18px!important;}}
/* claim form: agreement number + last-8 + Lookup row wraps on phones */
@media (max-width:575px){.nh .card .d-flex.gap-2{flex-wrap:wrap;} .nh .card .d-flex.gap-2 .RadInput{width:auto!important;flex:1 1 120px;}}
/* dropdown items: black hover (Sterling, 2026-10-07) */
#siteNav[data-nav="public"] .tnav-menu-link:hover,#siteNav[data-nav="public"] .tnav-menu-link:focus{background:#1b2b1d!important;color:#fff!important;}
#siteNav[data-nav="public"] .tnav-menu-link.active:hover{color:#fff!important;}
#siteNav[data-nav="public"] .tnav-menu{padding:8px;}
#siteNav[data-nav="public"] .tnav-menu-link{border-radius:10px;}
/* phone menu drawer (nav.js builds it; Sterling, 2026-10-07): no icons, Instrument Sans, phone numbers at the foot */
.mnav-drawer.mnav-public{font-family:"Instrument Sans",system-ui,sans-serif;}
.mnav-drawer.mnav-public .mnav-ico{display:none;}
.mnav-drawer.mnav-public .mnav-item{gap:0;}
.mnav-drawer.mnav-public .mnav-foot{display:block!important;padding:14px 0 max(14px,env(safe-area-inset-bottom));}
.mnav-drawer.mnav-public .mnav-tel-head{font:600 12px/1 "Instrument Sans",sans-serif;letter-spacing:.12em;text-transform:uppercase;color:#6f6f6f;padding:6px 16px 10px;}
.mnav-drawer.mnav-public a.mnav-tel{min-height:46px;text-decoration:none;}
.mnav-drawer.mnav-public a.mnav-tel .mnav-text{font:600 15px/1.25 "Instrument Sans",sans-serif;color:#1b2b1d;}
.mnav-drawer.mnav-public a.mnav-tel small{display:block;font:400 12px/1.3 system-ui,sans-serif;color:#6f6f6f;margin-bottom:2px;}
/* chat band: fully centred when it stacks */
@media (max-width:991px){.nh-chat h3,.nh-chat p{text-align:center;}}
/* charcoal #1b2b1d replaces black across the site (Sterling, 2026-10-07); hovers on dark go one step deeper to #0f1a11 */
/* chat band as a boxed card (home, under the statement band; Sterling, 2026-10-07) */
.nh-chatwrap.boxed{background:var(--card);padding:0 0 var(--pad);}
.nh-chatwrap.boxed .nh-chat{background:var(--dark);border-radius:28px;padding:36px 44px;}
@media (max-width:767px){.nh-chatwrap.boxed .nh-chat{padding:30px 22px;border-radius:22px;}}
/* header sign-in: second-factor code step (Ed, 2026-10-07: MFA stays in the drop-down instead of jumping to login.aspx) */
.hd-panel h5 i{color:#416d45;margin-right:6px;}
.hd-panel .hd-mfa-text{font-size:13.5px;line-height:1.5;color:#6f6f6f;margin:0 0 12px;}
.hd-panel .hd-code{font-size:22px;letter-spacing:6px;text-align:center;border:1px solid #d7dfd6;border-radius:12px;padding:10px 12px;}
.hd-panel .hd-code:focus{border-color:#416d45;box-shadow:0 0 0 3px rgba(65,109,69,.12);}
.hd-panel .hd-trust{display:flex;gap:8px;align-items:flex-start;margin:12px 0 6px;}
.hd-panel .hd-trust input{flex:0 0 auto;margin-top:3px;accent-color:#1b2b1d;}
.hd-panel .hd-trust label{display:inline;margin:0;font:400 12.5px/1.45 system-ui,"Segoe UI",sans-serif;color:#6f6f6f;}
.hd-panel .hd-links{display:flex;flex-wrap:wrap;justify-content:center;gap:4px 14px;margin-top:12px;font-size:13px;}
.hd-panel .hd-links a{color:#416d45;text-decoration:none;}
.hd-panel .hd-links a:hover{text-decoration:underline;}
/* closed phone drawer: no shadow, or it bleeds ~20px onto the left edge of the page (2026-10-07) */
.mnav-drawer{box-shadow:none;}
html.mnav-open .mnav-drawer{box-shadow:4px 0 24px rgba(0,0,0,.35);}
/* Telerik buttons (Lookup etc.) sit in flex rows beside inputs: never let them shrink, or the label spills past the padding and looks off-centre (Sterling, 2026-10-07) */
.nh .RadButton.rbButton{flex-shrink:0;text-align:center;}
.nh .RadButton.rbButton .rbText{display:inline-block;text-align:center;}
/* headings inside thank-you boxes centre with the box */
.nh .thanks h2,.nh .thanks h3,.nh .thanks h4{text-align:center;}
/* panels side by side in a split line up: no stacked-panel top margin (Sterling, 2026-10-07) */
.nh .pg-split > .nh-panel + .nh-panel,.nh .pg-split > * + .nh-panel{margin-top:0;}
/* ASC red, a little more of it (Tammy via Sterling, 2026-10-08: dealers should know at a glance they are on ASC).
   Accents only, never large fills: brand bar on the header, red Log in, red hero button, red icons and arrows. */
.hd-login{background:#416d45;}
.hd-login:hover,.hd-login[aria-expanded="true"]{background:#1b2b1d;}
.nh-hero .nh-btn-white{background:#416d45;border-color:#416d45;color:#fff!important;}
.nh-hero .nh-btn-white:hover{background:#345838;border-color:#345838;}
.nh-card .ico,.nh-info .ico{border-color:#416d45;color:#416d45;}
.nh-more i{background:#416d45;}
.nh .nh-more:hover i{background:#1b2b1d;}
/* chat card in ASC red instead of the header brand bar (Sterling, 2026-10-08) */
.nh-chatwrap.boxed .nh-chat{background:#416d45;}
.nh-chatwrap.boxed .nh-chat p{color:rgba(255,255,255,.92);}
.nh-chatwrap.boxed .nh-btn-ghost{border-color:rgba(255,255,255,.75);}
/* "more" links inside dark panels, CTA cards and the chat card read white (Sterling, 2026-10-08: "Become an agent" was black on the dark panel) */
.nh-panel.dark .nh-more,.nh-cta .nh-more,.nh-stats .nh-more,.nh-chat .nh-more{color:#fff;}
.nh-panel.dark .nh-more:hover,.nh-cta .nh-more:hover,.nh-stats .nh-more:hover,.nh-chat .nh-more:hover{color:#fff;opacity:.85;}