/* ACAcalls.com inner pages: simple, clean, matches the homepage palette */
:root{
  --bg:#FFFFFF; --band:#EDF3FC; --surface:#FFFFFF; --fg:#0B1F44; --muted:#465B7F; --line:#CCDAEE;
  --primary:#0054B9; --primary-fg:#FFFFFF;
  --hero-bg:#092857; --hero-fg:#F2F7FF; --hero-muted:#B5C8E6; --accent:#0054B9; --accent-hero:#4DB4FF;
  --brand:#1463FF; --brand-ink:#0A1B3F; --ok:#167A50;
  --shadow:0 18px 38px -24px rgba(9,40,87,.45);
  --font-display:'Libre Baskerville',Georgia,'Times New Roman',serif;
  --font-body:'Source Sans 3',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#06132B; --band:#0A1C3D; --surface:#0D2149; --fg:#E8F0FC; --muted:#9DB3D6; --line:#1B3465;
    --primary:#5BAEFF; --primary-fg:#05122B; --hero-bg:#081C47; --hero-fg:#F2F7FF; --hero-muted:#AFBFD8;
    --accent:#6DB8FF; --accent-hero:#6DB8FF; --brand:#6FA6FF; --brand-ink:#FFFFFF; --ok:#4FD69C;
    --shadow:0 18px 38px -24px rgba(0,0,0,.8); color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --bg:#06132B; --band:#0A1C3D; --surface:#0D2149; --fg:#E8F0FC; --muted:#9DB3D6; --line:#1B3465;
  --primary:#5BAEFF; --primary-fg:#05122B; --hero-bg:#081C47; --hero-fg:#F2F7FF; --hero-muted:#AFBFD8;
  --accent:#6DB8FF; --accent-hero:#6DB8FF; --brand:#6FA6FF; --brand-ink:#FFFFFF; --ok:#4FD69C;
  --shadow:0 18px 38px -24px rgba(0,0,0,.8); color-scheme:dark;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;background:var(--bg);color:var(--fg);font:400 18px/1.7 var(--font-body);overflow-x:hidden;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--font-display);font-weight:700;line-height:1.25;margin:0;text-wrap:balance}
h1{font-size:clamp(2rem,4.6vw,3.2rem);letter-spacing:-.015em}
h2{font-size:clamp(1.45rem,2.8vw,1.95rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0}
a{color:var(--accent)}
:focus-visible{outline:3px solid var(--accent-hero);outline-offset:3px}
img{max-width:100%}
.skip{position:absolute;left:12px;top:-60px;background:var(--primary);color:var(--primary-fg);padding:.6rem 1rem;border-radius:4px;z-index:40}
.skip:focus{top:8px}
.wrap{width:100%;max-width:1140px;margin-inline:auto;padding-inline:max(16px,env(safe-area-inset-left,0px))}
.wrap.narrow{max-width:780px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.8rem 1.4rem;border-radius:4px;font:700 1rem var(--font-body);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .2s,background .2s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--primary);color:var(--primary-fg)}
.btn-white{background:#fff;color:#092857}
.btn-line{border-color:currentColor;color:inherit}

/* top bar + header */
.topbar{background:var(--hero-bg);color:var(--hero-fg);font-size:.9rem;border-bottom:1px solid rgba(255,255,255,.14)}
.topbar .wrap{padding-block:8px}
.site{position:sticky;top:0;z-index:30;background:var(--bg);border-bottom:3px double var(--accent);transition:box-shadow .25s}
.site.stuck{box-shadow:0 10px 24px -16px rgba(9,40,87,.45)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:72px}
.brand{display:inline-flex;text-decoration:none}
.brand-wm{font:800 32px/1 'Outfit',var(--font-body);letter-spacing:-.035em;display:inline-flex;align-items:baseline;white-space:nowrap}
.brand-wm .w1{color:var(--brand-ink)}.brand-wm .w2{color:var(--brand)}.brand-wm .w3{font-weight:500;font-size:.54em;letter-spacing:-.01em;margin-left:2px;color:var(--muted)}
.nav{display:flex;align-items:center;gap:24px}
.nav>a{text-decoration:none;color:var(--fg);font-weight:600;font-size:.98rem}
.nav>a:hover{color:var(--accent)}
.nav .btn{color:var(--primary-fg);padding:.6rem 1.15rem}
.dd{position:relative}
.ddb{font:600 .98rem var(--font-body);color:var(--fg);background:none;border:0;padding:6px 0;cursor:pointer;display:inline-flex;align-items:center;gap:6px}
.ddb::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px)}
.ddp{position:absolute;top:100%;left:-14px;min-width:310px;background:var(--surface);border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:4px;box-shadow:var(--shadow);padding:8px;display:none;z-index:20}
.dd:hover .ddp,.dd:focus-within .ddp{display:grid}
.ddp.narrow-dd{min-width:180px}
.ddp a{padding:.5rem .8rem;border-radius:3px;font-size:.94rem;text-decoration:none;color:var(--fg);font-weight:600}
.ddp a:hover,.ddp a[aria-current]{background:var(--band);color:var(--accent)}

/* breadcrumb */
.crumbs{font-size:.88rem;margin-bottom:16px}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{color:inherit}

/* page heroes (variants) */
.ph{padding-block:clamp(40px,6vw,72px)}
.ph .eyebrow{font:700 12.5px/1 var(--font-body);letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px;display:block}
.ph .lede{font-size:1.15rem;margin-top:16px;max-width:62ch}
.ph .cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.ph-navy{background:var(--hero-bg);color:var(--hero-fg)}
.ph-navy .eyebrow,.ph-navy .crumbs{color:var(--hero-muted)}
.ph-navy .eyebrow{color:var(--accent-hero)}
.ph-navy .lede{color:var(--hero-muted)}
.ph-light{background:var(--band);border-bottom:1px solid var(--line)}
.ph-light .eyebrow{color:var(--accent)}
.ph-light .lede,.ph-light .crumbs{color:var(--muted)}
.ph-plain{border-bottom:1px solid var(--line)}
.ph-plain .eyebrow{color:var(--accent)}
.ph-plain .lede,.ph-plain .crumbs{color:var(--muted)}
.ph-center{text-align:center}
.ph-center .lede{margin-inline:auto}
.ph-center .crumbs ol,.ph-center .cta-row{justify-content:center}
.ph-split .wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.ph-split .wrap>*{min-width:0}
.factbox{background:var(--surface);color:var(--fg);border-radius:6px;border-top:5px solid var(--accent);padding:22px 24px;box-shadow:var(--shadow)}
.factbox h2{font-size:1.05rem;margin-bottom:8px}
.factbox ul{margin:0;padding:0;list-style:none}
.factbox li{padding:9px 0;border-top:1px solid var(--line);font-size:.98rem}
.factbox li strong{display:block;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.meta-line{font-size:.9rem;margin-top:18px;opacity:.85}

/* article typography */
.section{padding-block:clamp(44px,6vw,72px)}
.band{background:var(--band);border-block:1px solid var(--line)}
.prose{color:var(--fg)}
.prose>*+*{margin-top:1.05em}
.prose h2{margin-top:2.1em;padding-top:.2em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.7em}
.prose p,.prose li{color:var(--fg)}
.prose ul,.prose ol{padding-left:1.3em}
.prose li+li{margin-top:.4em}
.prose strong{font-weight:700}
.prose a{font-weight:600}
.prose blockquote{margin:1.4em 0;padding:4px 0 4px 20px;border-left:3px solid var(--accent);font-family:var(--font-display);font-style:italic;color:var(--muted)}
.lead{font-size:1.18rem;color:var(--muted)}
.callout{border:1px solid var(--line);background:var(--band);border-radius:6px;padding:18px 20px}
.callout strong:first-child{display:block;margin-bottom:4px;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.callout p+p{margin-top:.6em}
.script{border:1px dashed var(--line);border-radius:6px;padding:16px 20px;background:var(--surface);font-size:1rem}
.script p+p{margin-top:.5em}
.script b{color:var(--accent)}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:6px;background:var(--surface)}
.tbl table{width:100%;min-width:560px;border-collapse:collapse;font-size:.97rem}
.tbl th,.tbl td{text-align:left;padding:.8rem 1rem;border-bottom:1px solid var(--line);vertical-align:top}
.tbl thead th{background:var(--band);font:700 .8rem var(--font-body);letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.tbl tr:last-child td{border-bottom:0}

/* layout: article + sticky table of contents */
.with-toc{display:grid;grid-template-columns:240px minmax(0,1fr);gap:56px;align-items:start}
.toc{position:sticky;top:96px;font-size:.95rem;border-left:2px solid var(--line);padding-left:18px}
.toc b{display:block;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ol{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.toc a{color:var(--muted);text-decoration:none;font-weight:600}
.toc a:hover,.toc a.on{color:var(--accent)}

/* layout: article + right sidebar */
.with-side{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:52px;align-items:start}
.side{position:sticky;top:96px;display:grid;gap:18px}
.side-box{border:1px solid var(--line);border-radius:6px;padding:20px;background:var(--surface)}
.side-box h2{font-size:1.05rem;margin-bottom:10px}
.side-box ul{margin:0;padding-left:1.1em;font-size:.95rem}
.side-box li+li{margin-top:.45em}
.side-box.navy{background:var(--hero-bg);color:var(--hero-fg);border-color:transparent}
.side-box.navy p{color:var(--hero-muted);font-size:.95rem;margin-bottom:14px}

/* cards grid */
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:4px;padding:22px;background:var(--surface)}
.card h3{margin-bottom:8px;font-size:1.12rem}
.card p{color:var(--muted);font-size:.98rem}
.card .tag{display:inline-block;font:700 .72rem var(--font-body);letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.sec-head{max-width:720px;margin-bottom:30px}
.sec-head p{color:var(--muted);margin-top:12px}

/* alternating rows */
.rows{display:grid;gap:56px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.row>*{min-width:0}
.row.flip>:first-child{order:2}
.checklist{padding:22px;border:1px solid var(--line);border-radius:6px;background:var(--band)}
.checklist h3{font-size:1.05rem;margin-bottom:12px}
.checklist ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.checklist li{display:grid;grid-template-columns:22px 1fr;gap:10px;font-size:.98rem}
.checklist li::before{content:"";width:18px;height:18px;margin-top:4px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}

/* big numbered steps */
.bigsteps{list-style:none;margin:0;padding:0;counter-reset:s;display:grid;gap:40px}
.bigsteps>li{counter-increment:s;display:grid;grid-template-columns:72px minmax(0,1fr);gap:22px}
.bigsteps>li::before{content:counter(s,decimal-leading-zero);font:700 2.2rem/1 var(--font-display);color:var(--accent);border-top:3px solid var(--accent);padding-top:12px}
.bigsteps h2{font-size:1.4rem;margin-bottom:10px}
.bigsteps .prose{max-width:none}

/* vertical timeline */
.timeline{list-style:none;margin:0;padding:0;position:relative;display:grid;gap:26px}
.timeline::before{content:"";position:absolute;left:11px;top:6px;bottom:6px;width:2px;background:var(--line)}
.timeline li{position:relative;padding-left:44px}
.timeline li::before{content:"";position:absolute;left:4px;top:7px;width:16px;height:16px;border-radius:50%;background:var(--bg);border:3px solid var(--accent)}
.timeline h3{font-size:1.08rem;margin-bottom:4px}
.timeline p{color:var(--muted);font-size:.98rem}

/* key takeaway strip */
.keys{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;border:1px solid var(--line);border-radius:6px;overflow:hidden;background:var(--surface)}
.keys>div{padding:20px 22px;border-right:1px solid var(--line)}
.keys>div:last-child{border-right:0}
.keys b{display:block;font-family:var(--font-display);font-size:1.05rem;margin-bottom:4px}
.keys span{color:var(--muted);font-size:.95rem}

/* faq */
.faqs{display:grid;gap:10px}
.faq{border:1px solid var(--line);border-radius:4px;background:var(--surface)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:1rem 1.2rem;font:700 1.05rem var(--font-display)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:10px;height:10px;border-right:2.5px solid var(--accent);border-bottom:2.5px solid var(--accent);transform:rotate(45deg) translateY(-3px);transition:transform .25s}
.faq[open] summary::after{transform:rotate(225deg)}
.faq .ans{padding:0 1.2rem 1.1rem;color:var(--muted)}

/* related + cta */
.related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.related a{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:4px;text-decoration:none;color:var(--fg);font-weight:700;background:var(--surface);transition:border-color .2s,transform .2s}
.related a:hover{border-color:var(--accent);transform:translateY(-2px)}
.related a span{display:block;font-weight:400;color:var(--muted);font-size:.92rem;margin-top:2px}
.cta{background:var(--hero-bg);color:var(--hero-fg);padding-block:clamp(44px,6vw,64px)}
.cta .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:22px}
.cta p{color:var(--hero-muted);margin-top:8px;max-width:58ch}

/* footer */
footer{background:var(--hero-bg);color:var(--hero-fg);padding-block:52px 34px;border-top:3px double var(--accent-hero)}
.foot{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:34px}
.foot>*{min-width:0}
footer .brand-wm .w1{color:#fff}footer .brand-wm .w2{color:#6FA6FF}footer .brand-wm .w3{color:var(--hero-muted)}
footer h2{font:700 .8rem var(--font-body);letter-spacing:.16em;text-transform:uppercase;color:var(--accent-hero);margin-bottom:14px}
footer p{color:var(--hero-muted);font-size:.95rem;margin-top:14px;max-width:44ch}
footer ul{list-style:none;margin:0;padding:0;display:grid;gap:7px;font-size:.96rem}
footer a{color:var(--hero-fg);text-decoration:none;opacity:.88}
footer a:hover{opacity:1;text-decoration:underline}
.legal{margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.18);font-size:.85rem;color:var(--hero-muted);display:grid;gap:8px}

/* forms */
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(28px,5vw,56px);align-items:start}
.form-wrap>*{min-width:0}
.form-wrap.rev{grid-template-columns:1.15fr .85fr}
.form-card{background:var(--surface);border:1px solid var(--line);border-top:5px solid var(--accent);border-radius:8px;padding:clamp(20px,4vw,34px);box-shadow:var(--shadow)}
.form-card>h2{font-size:1.35rem}
.form-card>p.sub{color:var(--muted);margin:6px 0 22px;font-size:.98rem}
.fgrid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 16px}
.fld{display:grid;gap:6px;min-width:0;margin:0;padding:0;border:0}
.fld.full{grid-column:1/-1}
.fl{font-weight:700;font-size:.95rem;padding:0}
.req{color:#C2410C;margin-left:3px}
.fld input[type=text],.fld input[type=email],.fld input[type=tel],.fld select,.fld textarea{width:100%;font:400 1rem var(--font-body);color:var(--fg);background:var(--bg);border:1.5px solid var(--line);border-radius:6px;padding:.72rem .85rem;min-height:46px}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px color-mix(in srgb,var(--accent) 22%,transparent)}
.fld [aria-invalid="true"]{border-color:#C2410C}
.err{color:#C2410C;font-size:.86rem;min-height:0}
.err:empty{display:none}
.im{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:10px}
.cks{display:flex;flex-wrap:wrap;gap:8px}
.ck{display:inline-flex;align-items:center;gap:8px;padding:.5rem .8rem;border:1.5px solid var(--line);border-radius:6px;background:var(--bg);cursor:pointer;font-size:.95rem;min-height:44px}
.ck input{accent-color:var(--accent);margin:0}
.ck:has(input:checked){border-color:var(--accent);background:var(--band)}
.cks.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(64px,1fr));gap:6px}
.cks.states .ck{justify-content:center;padding:.4rem .3rem;font-weight:700;font-size:.85rem}
.cks.states .ck input{position:absolute;opacity:0;pointer-events:none}
.cks.states .ck:has(input:focus-visible){outline:3px solid var(--accent-hero);outline-offset:2px}
.st-tools{display:flex;gap:10px;margin-bottom:8px}
.st-tools button{font:600 .88rem var(--font-body);color:var(--accent);background:none;border:0;padding:4px 0;cursor:pointer;text-decoration:underline}
.agree{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;font-size:.97rem;cursor:pointer}
.agree input{width:18px;height:18px;margin-top:4px;accent-color:var(--accent)}
.form-foot{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-top:24px}
.form-foot .btn{font-size:1.05rem;padding:.9rem 1.6rem}
.form-foot small{color:var(--muted);font-size:.88rem}
.f-status{margin-top:18px;padding:.85rem 1rem;border-radius:6px;background:var(--band);border:1px solid var(--line);font-size:.96rem}
.f-status.ok{border-color:var(--ok);color:var(--fg)}
.f-status.bad{border-color:#C2410C}
.steps-mini{list-style:none;margin:0;padding:0;display:grid;gap:18px;counter-reset:m}
.steps-mini li{counter-increment:m;display:grid;grid-template-columns:40px 1fr;gap:14px}
.steps-mini li::before{content:counter(m);width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--primary);color:var(--primary-fg);font:700 1rem var(--font-display)}
.steps-mini b{display:block}
.steps-mini span{color:var(--muted);font-size:.97rem}
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.ticks li{display:grid;grid-template-columns:22px 1fr;gap:10px}
.ticks li::before{content:"";width:18px;height:18px;margin-top:4px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat}
.ph-navy .ticks li{color:var(--hero-fg)}
.ph-navy .ticks li::before{background-color:var(--accent-hero)}
.aside-box{border:1px solid var(--line);border-radius:6px;padding:20px 22px;background:var(--surface)}
.aside-box h2,.aside-box h3{font-size:1.1rem;margin-bottom:12px}
.aside-box+.aside-box{margin-top:18px}
.grid>.aside-box{margin-top:0}
@media (max-width:960px){.form-wrap,.form-wrap.rev{grid-template-columns:minmax(0,1fr)}}
@media (max-width:640px){.fgrid,.im{grid-template-columns:minmax(0,1fr)}}

@media (max-width:960px){
  .with-toc,.with-side,.ph-split .wrap,.row{grid-template-columns:minmax(0,1fr)}
  .toc,.side{position:static}
  .toc{border-left:0;padding:16px 18px;border:1px solid var(--line);border-radius:6px}
  .row.flip>:first-child{order:0}
  .grid,.grid.four,.related{grid-template-columns:repeat(2,minmax(0,1fr))}
  .foot{grid-template-columns:1fr 1fr}.foot>:first-child{grid-column:1/-1}
  .nav>a:not(.btn){display:none}
}
@media (max-width:640px){
  body{font-size:17px}
  .grid,.grid.two,.grid.four,.related,.keys,.foot{grid-template-columns:1fr}
  .keys>div{border-right:0;border-bottom:1px solid var(--line)}
  .keys>div:last-child{border-bottom:0}
  .dd{display:none}
  .brand-wm{font-size:25px}
  .bigsteps>li{grid-template-columns:1fr;gap:6px}
  .bigsteps>li::before{border-top:0;padding-top:0;font-size:1.6rem}
}
@media (prefers-reduced-motion: reduce){*{transition:none!important;scroll-behavior:auto!important}}