/* ============================================================
   ownersinterest.com — article.css
   DESIGN TOKENS (re-skin here only) + component library.
   Aesthetic: green construction-tech. Emerald accent on deep forest.
   ============================================================ */

:root{
  /* ---- COLOR TOKENS (the re-skin surface) ---- */
  --forest:#0f1d17;        /* primary dark bg */
  --forest-2:#12211a;      /* raised dark */
  --forest-3:#16261e;      /* band dark */
  --forest-deep:#0b1611;   /* footer */
  --emerald:#4ade80;       /* accent / CTA */
  --emerald-soft:#7be6a3;  /* accent text on dark */
  --ink:#14231b;           /* dark text on light */
  --ink-2:#5a6b62;         /* muted text on light */
  --cream:#f4f6f3;         /* light panel bg */
  --white:#ffffff;
  --line:rgba(120,200,150,.14);   /* hairline on dark */
  --line-light:#dfe6e0;           /* hairline on light */
  --mist:#a9ceb8;          /* body text on dark */
  --mist-2:#8fb6a2;        /* muted on dark */
  --amber:#f5a623;         /* conditional/optional */
  --amber-soft:#f2b74d;
  --red:#e5484d;           /* excluded */
  --red-soft:#f0908f;

  /* ---- STATUS (comparison grids) ---- */
  --ok-bg:rgba(74,222,128,.16);  --ok-fg:#7be6a3;
  --cond-bg:rgba(245,166,35,.16); --cond-fg:#f2b74d;
  --no-bg:rgba(229,72,77,.16);    --no-fg:#f0908f;

  /* ---- FONTS ---- */
  --display:"Archivo","Arial Black",system-ui,sans-serif;
  --body:"Inter",system-ui,-apple-system,sans-serif;
  --mono:"JetBrains Mono",ui-monospace,monospace;

  --maxw:1120px;
  --radius:8px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0; font-family:var(--body); color:var(--mist);
  background:var(--forest); line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit;}
img{max-width:100%; display:block;}

.wrap{max-width:var(--maxw); margin:0 auto; padding:0 28px;}

/* ---- NAV ---- */
.nav{display:flex; align-items:center; justify-content:space-between;
  padding:16px 28px; border-bottom:1px solid var(--line); position:relative;}
.nav .brand{display:flex; align-items:center; gap:10px; text-decoration:none;}
.nav .mark{width:26px; height:26px; background:var(--emerald); border-radius:3px;
  display:flex; align-items:center; justify-content:center; color:#0a1a12;
  font-weight:700; font-size:15px; flex:none;}
.nav .brandname{color:#eafff2; font-weight:600; font-size:15px; letter-spacing:-.01em;}
.nav .links{display:flex; gap:22px; align-items:center;}
.nav .links a{color:#9dc4ac; font-size:13px; text-decoration:none;}
.nav .links a:hover{color:#eafff2;}
.nav .links a.cta{border:1px solid rgba(120,200,150,.3); padding:7px 15px;
  border-radius:4px; color:#cfe9d9;}
.nav .links a.cta:hover{background:rgba(74,222,128,.1);}
.nav-toggle{display:none; background:none; border:0; color:#cfe9d9; font-size:22px; cursor:pointer;}

/* dropdown */
.nav-dd{position:relative;}
.nav-dd-menu{display:none; position:absolute; top:130%; left:0; background:var(--forest-2);
  border:1px solid var(--line); border-radius:8px; padding:8px; min-width:200px; z-index:20;}
.nav-dd:hover .nav-dd-menu, .nav-dd.open .nav-dd-menu{display:block;}
.nav-dd-menu a{display:block; padding:8px 12px; border-radius:5px; font-size:13px; color:#b8ccc0;}
.nav-dd-menu a:hover{background:rgba(120,200,150,.08); color:#eafff2;}

/* ---- HERO ---- */
.hero{position:relative; padding:56px 0 48px; overflow:hidden;}
.hero-photo{position:absolute; inset:0; z-index:0;}
.hero-photo img{width:100%; height:100%; object-fit:cover;}
.hero-photo::after{content:""; position:absolute; inset:0;
  background:linear-gradient(90deg, rgba(15,29,23,.94) 0%, rgba(15,29,23,.82) 45%, rgba(15,29,23,.5) 100%);}
/* inner pages (short hero): lighter so the photo shows through */
.hero.inner-hero .hero-photo::after{
  background:linear-gradient(90deg, rgba(15,29,23,.9) 0%, rgba(15,29,23,.62) 55%, rgba(15,29,23,.28) 100%);}
.hero-grid{position:absolute; inset:0; z-index:1;
  background-image:linear-gradient(rgba(120,200,150,.05) 1px, transparent 1px);
  background-size:100% 28px; pointer-events:none;}
.hero-inner{position:relative; z-index:2;}
.kicker{display:inline-block; background:rgba(74,222,128,.12); color:var(--emerald-soft);
  font-size:12px; letter-spacing:.1em; text-transform:uppercase; padding:5px 12px;
  border-radius:3px; margin-bottom:20px;}
h1.display{font-family:var(--display); color:#f2fff7; font-size:50px; line-height:1.02;
  font-weight:800; max-width:620px; letter-spacing:-.03em; margin:0;}
.lede{color:var(--mist); font-size:16px; line-height:1.6; max-width:480px; margin:22px 0 30px;}
.btn{display:inline-block; background:var(--emerald); color:#08160e; font-size:15px;
  font-weight:600; padding:13px 26px; border-radius:4px; text-decoration:none;}
.btn:hover{background:#3fca70;}
.btn-row{display:flex; gap:16px; align-items:center; flex-wrap:wrap;}
.link-arrow{color:#cfe9d9; font-size:15px; text-decoration:none;}
.link-arrow:hover{color:#eafff2;}

/* ---- TRUST STRIP ---- */
.trust{display:flex; border-top:1px solid var(--line); border-bottom:1px solid var(--line); flex-wrap:wrap;}
.trust .cell{flex:1; min-width:150px; padding:20px 24px; border-right:1px solid var(--line);}
.trust .cell:last-child{border-right:0;}
.trust .num{color:var(--emerald); font-family:var(--display); font-size:24px; font-weight:800;}
.trust .lbl{color:var(--mist-2); font-size:13px; margin-top:3px;}

/* ---- SECTIONS ---- */
.section{padding:48px 0;}
.section.light{background:var(--cream); color:var(--ink);}
.section.band{background:var(--forest-3);}
.eyebrow{font-size:12px; letter-spacing:.12em; text-transform:uppercase; margin-bottom:8px;}
.eyebrow.dark{color:var(--emerald-soft);}
.eyebrow.light{color:#3b7057;}
h2.display{font-family:var(--display); font-size:28px; font-weight:800; letter-spacing:-.02em; margin:0 0 6px;}
.section.light h2.display{color:var(--ink);}
.section h2.display{color:#f2fff7;}
h3{font-family:var(--display); font-weight:700; letter-spacing:-.01em;}
.section-lede{font-size:15px; max-width:560px; margin:0 0 24px;}
.section.light .section-lede{color:var(--ink-2);}
.section .section-lede{color:var(--mist);}

/* ---- CARD GRID (coverage) ---- */
.card-grid{display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:14px;}
.card{background:var(--white); border:0.5px solid var(--line-light); border-radius:12px; padding:18px;}
.card .ico{font-size:22px; color:#2f7d54;}
.card .ct{color:var(--ink); font-weight:600; font-size:15px; margin:10px 0 5px;}
.card .cd{color:var(--ink-2); font-size:13px; line-height:1.55;}

/* ---- PERIL / COMPARISON GRID (the moat) ---- */
.peril-grid{border:1px solid var(--line); border-radius:12px; overflow:hidden;}
.peril-head, .peril-row{display:grid; grid-template-columns:1.4fr 1fr 1fr;}
.peril-head{background:rgba(120,200,150,.06);}
.peril-head div{padding:12px 16px; font-size:12px; text-transform:uppercase; letter-spacing:.06em; color:var(--mist-2);}
.peril-head div+div{border-left:1px solid var(--line); color:#eafff2; font-weight:600; text-transform:none; font-size:13px; letter-spacing:0;}
.peril-row{border-top:1px solid rgba(120,200,150,.1);}
.peril-row .rl{padding:13px 16px; color:#d7e6dd; font-size:14px;}
.peril-row .rc{padding:13px 16px; border-left:1px solid rgba(120,200,150,.12);}
.pill{font-size:12px; padding:3px 9px; border-radius:3px; white-space:nowrap;}
.pill.ok{background:var(--ok-bg); color:var(--ok-fg);}
.pill.cond{background:var(--cond-bg); color:var(--cond-fg);}
.pill.no{background:var(--no-bg); color:var(--no-fg);}
.fineprint{color:#6f8f7f; font-size:12px; margin:14px 0 0; line-height:1.5;}

/* ---- DIFFERENTIATOR BAND ---- */
.diff{display:flex; gap:26px; align-items:center; flex-wrap:wrap;}
.diff .lead{flex:2; min-width:280px;}
.diff .chips{flex:1; min-width:200px; display:flex; flex-direction:column; gap:10px;}
.chip{display:flex; align-items:center; gap:10px; background:rgba(120,200,150,.06);
  border:1px solid var(--line); border-radius:8px; padding:12px 14px; color:#d7e6dd; font-size:14px;}
.chip .ti{color:var(--emerald-soft); font-size:18px;}

/* ---- PHOTO BAND ---- */
.photoband{position:relative; min-height:280px; display:flex; align-items:center;
  padding:44px 0; overflow:hidden; background:var(--forest-3);}
.photoband .bg{position:absolute; inset:0; z-index:0;}
.photoband .bg img{width:100%; height:100%; object-fit:cover;}
.photoband .bg::after{content:""; position:absolute; inset:0;
  background:linear-gradient(90deg, rgba(15,29,23,.92) 0%, rgba(15,29,23,.72) 60%, rgba(15,29,23,.45) 100%);}
.photoband .inner{position:relative; z-index:1; max-width:460px;}
.photoband h2{font-family:var(--display); color:#f2fff7; font-size:26px; font-weight:800; letter-spacing:-.02em; line-height:1.1; margin:0;}
.photoband p{color:#bcd4c6; font-size:15px; line-height:1.6; margin:14px 0 20px;}

/* ---- FAQ ACCORDION ---- */
.faq{max-width:720px;}
.faq details{background:var(--white); border:0.5px solid var(--line-light);
  border-radius:10px; padding:0; margin-bottom:10px; overflow:hidden;}
.faq summary{list-style:none; cursor:pointer; padding:16px 18px;
  display:flex; justify-content:space-between; align-items:center;
  color:var(--ink); font-weight:600; font-size:15px;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary .ti{color:#2f7d54; font-size:18px; transition:transform .2s;}
.faq details[open] summary .ti{transform:rotate(180deg);}
.faq .ans{padding:0 18px 16px; color:var(--ink-2); font-size:14px; line-height:1.6;}

/* ---- RELATED CARDS ---- */
.related{display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr)); gap:14px;}
.rcard{background:var(--forest-2); border:1px solid var(--line); border-radius:12px;
  padding:18px; text-decoration:none; display:block;}
.rcard:hover{border-color:rgba(120,200,150,.3);}
.rcard .rk{color:var(--emerald-soft); font-size:11px; text-transform:uppercase; letter-spacing:.08em;}
.rcard .rt{color:#eafff2; font-weight:600; font-size:15px; margin:6px 0 4px;}
.rcard .rd{color:var(--mist-2); font-size:13px; line-height:1.5;}
.rcard.soon{opacity:.5; pointer-events:none;}
.rcard.soon .rk{color:var(--amber-soft);}

/* ---- ARTICLE BODY + SIDEBAR ---- */
.article-layout{display:grid; grid-template-columns:1fr 300px; gap:40px; align-items:start;}
.prose{max-width:720px;}
.prose p{color:#c6d6cd; font-size:16px; line-height:1.75; margin:0 0 18px;}
.prose h2{font-family:var(--display); color:#f2fff7; font-size:24px; margin:34px 0 12px; letter-spacing:-.01em;}
.prose h3{color:#eafff2; font-size:18px; margin:24px 0 8px;}
.prose a{color:var(--emerald-soft);}
.prose ul{color:#c6d6cd; line-height:1.7;}
.sidebar{display:block;}
.toc{background:var(--forest-2); border:1px solid var(--line); border-radius:12px; padding:18px; height:auto; margin-bottom:16px;}
.toc .tt{color:var(--mist-2); font-size:12px; text-transform:uppercase; letter-spacing:.08em; margin-bottom:10px;}
.toc a{display:block; color:#b8ccc0; font-size:13px; text-decoration:none; padding:5px 0;}
.toc a:hover{color:var(--emerald-soft);}
.side-cta{background:var(--forest-2); border:1px solid var(--line); border-radius:12px; padding:20px; text-align:center;}
.side-cta .st{color:#eafff2; font-weight:600; font-size:15px; margin-bottom:6px;}
.side-cta .sd{color:var(--mist-2); font-size:13px; margin-bottom:14px;}

/* ---- HELP BAND ---- */
.help-band{background:var(--forest-3); padding:40px 0; text-align:center;}
.help-band h2{font-family:var(--display); color:#f2fff7; font-size:24px; font-weight:800; letter-spacing:-.02em; margin:0;}
.help-band p{color:var(--mist); font-size:15px; margin:12px auto 22px; max-width:440px;}

/* ---- BREADCRUMB ---- */
.crumb{color:#6f8f7f; font-size:12px; padding:24px 0 0;}
.crumb a{text-decoration:none; color:#6f8f7f;}
.crumb a:hover{color:var(--emerald-soft);}

/* ---- STATES ---- */
.state-stats{display:flex; border:1px solid var(--line); border-radius:12px; overflow:hidden; margin:24px 0 8px;}
.state-stats .cell{flex:1; padding:18px 20px; border-right:1px solid var(--line); text-align:center;}
.state-stats .cell:last-child{border-right:0;}
.state-stats .num{font-family:var(--display); font-size:30px; font-weight:800;}
.state-stats .lbl{color:var(--mist-2); font-size:12px; margin-top:2px;}
.legend{display:flex; gap:20px; padding:12px 0 4px; flex-wrap:wrap;}
.legend span{display:flex; align-items:center; gap:8px; color:#cfe9d9; font-size:13px;}
.legend .sw{width:14px; height:14px; border-radius:3px;}
#usmap{width:100%; margin:8px 0;}
.state-search{width:100%; max-width:320px; padding:10px 14px; border:0.5px solid #cdd6cf;
  border-radius:8px; font-size:14px; margin-bottom:18px; background:#fff; color:var(--ink); font-family:var(--body);}
#stateGrid{display:grid; grid-template-columns:repeat(auto-fill,minmax(160px,1fr)); gap:8px;}
.state-item{display:flex; align-items:center; gap:8px; background:#fff; border:0.5px solid var(--line-light);
  border-radius:8px; padding:9px 12px; font-size:13px; color:var(--ink);}
.state-item .dot{width:9px; height:9px; border-radius:50%; flex:none;}
.state-item .tag{margin-left:auto; font-size:11px;}

/* ---- GLOSSARY GROUPS ---- */
.gjumpnav{display:flex; flex-wrap:wrap; gap:8px; margin:0 0 24px;}
.gjump{font-size:12px; color:#b8ccc0; text-decoration:none; background:var(--forest-2);
  border:1px solid var(--line); border-radius:20px; padding:6px 13px;}
.gjump:hover{border-color:rgba(120,200,150,.35); color:var(--emerald-soft);}
.gsection{margin:0 0 30px; scroll-margin-top:20px;}
.gsection .gh{font-family:var(--display); color:var(--emerald-soft); font-size:14px;
  letter-spacing:.06em; text-transform:uppercase; font-weight:700; margin:0 0 12px;
  padding-bottom:8px; border-bottom:1px solid var(--line);}

/* ---- FOOTER ---- */
.foot{background:var(--forest-deep); padding:36px 0 26px;}
.foot-top{display:flex; justify-content:space-between; flex-wrap:wrap; gap:28px;
  border-bottom:1px solid rgba(120,200,150,.12); padding-bottom:24px;}
.foot .fbrand{max-width:320px;}
.foot .fbrand p{color:#8aa89a; font-size:12px; line-height:1.7; margin:12px 0 0;}
.foot .fbrand a{color:#b8ccc0; text-decoration:none;}
.foot-col{display:flex; flex-direction:column; gap:8px;}
.foot-col .ch{color:var(--mist-2); font-size:12px; text-transform:uppercase; letter-spacing:.06em; margin-bottom:2px;}
.foot-col a{color:#b8ccc0; font-size:13px; text-decoration:none;}
.foot-col a:hover{color:#eafff2;}
.foot-cols{display:flex; gap:44px; flex-wrap:wrap;}
.es-flag{margin:16px 0 0; padding:10px 12px; border:1px dashed rgba(245,166,35,.4);
  border-radius:6px; background:rgba(245,166,35,.06);}
.es-flag span{color:#c99a3a; font-size:11px;}
.legal{color:#5a7567; font-size:11px; margin-top:14px; line-height:1.7;}

/* ---- RESPONSIVE ---- */
@media(max-width:860px){
  .article-layout{grid-template-columns:1fr;}
  .sidebar{order:2;}
  h1.display{font-size:38px;}
  .nav .links{display:none; position:absolute; top:100%; left:0; right:0;
    flex-direction:column; align-items:flex-start; gap:0; background:var(--forest-2);
    border-bottom:1px solid var(--line); padding:8px 0; z-index:30;}
  .nav .links.open{display:flex;}
  .nav .links a{padding:12px 28px; width:100%;}
  .nav .links a.cta{margin:8px 28px; width:auto;}
  .nav-toggle{display:block;}
}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto; transition:none!important;}}
:focus-visible{outline:2px solid var(--emerald); outline-offset:2px;}