/* deniedclaimlaw.com - law-library reference style */
:root {
  --forest: #173326;
  --forest-2: #21473a;
  --forest-3: #2f5d4b;
  --parch: #f3ecdb;
  --paper: #fbf8f0;
  --vellum: #ece3cc;
  --brass: #c9a356;
  --brass-d: #a8833a;
  --brass-ink: #6f531a;
  --ink: #1e241f;
  --muted: #4a564d;
  --rule: #d8ccae;
  --oxblood: #7d2a22;
  --serif: "Libre Baskerville", Georgia, "Times New Roman", serif;
  --sans: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  --r: 4px;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 1rem; }
body { margin: 0; background: var(--parch); color: var(--ink); font: 400 1.075rem/1.68 var(--sans); }
img, svg { max-width: 100%; height: auto; }
a { color: var(--forest-2); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--oxblood); }
:focus-visible { outline: 3px solid var(--brass-d); outline-offset: 2px; border-radius: 2px; }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 700; line-height: 1.25; color: var(--forest); margin: 0 0 .6em; }
h1 { font-size: clamp(1.85rem, 4.6vw, 2.9rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.4rem, 3vw, 1.85rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.wrap { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 16px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--brass); color: var(--forest); padding: .6rem 1rem; z-index: 99; font-weight: 700; }
.skip:focus { left: 8px; top: 8px; }
.kicker { font: 700 .78rem/1.3 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--brass-ink); margin-bottom: .7rem; }
.hp { position: absolute; left: -5000px; width: 1px; height: 1px; opacity: 0; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .4rem; min-height: 46px; padding: .65rem 1.2rem; border-radius: var(--r);
  font: 700 1rem/1.2 var(--sans); text-decoration: none; border: 2px solid transparent; cursor: pointer; transition: background .15s, color .15s; }
.btn-brass { background: var(--brass); color: var(--forest); border-color: var(--brass); }
.btn-brass:hover { background: #dcbb72; color: var(--forest); }
.btn-forest { background: var(--forest); color: var(--paper); }
.btn-forest:hover { background: var(--forest-2); color: #fff; }
.btn-line { border-color: currentColor; color: var(--paper); background: transparent; }
.btn-line:hover { background: rgba(255,255,255,.08); color: #fff; }
.btn-lg { min-height: 54px; padding: .8rem 1.5rem; font-size: 1.05rem; }
.btn-block { width: 100%; }

/* masthead */
.topline { background: var(--forest); color: #d9e2da; font-size: .88rem; }
.topline-in { display: flex; justify-content: space-between; gap: 1rem; padding-top: .4rem; padding-bottom: .4rem; }
.topline a { color: var(--brass); text-decoration: none; }
.topline a strong { color: #f1dca8; }
.topline span { display: none; }
.mast { background: var(--paper); border-bottom: 3px double var(--brass-d); }
.mast-in { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-top: .8rem; padding-bottom: .8rem; }
.mark { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: var(--forest); }
.seal { width: 46px; height: 46px; color: var(--brass-d); flex: none; }
.mark-txt { display: flex; flex-direction: column; }
.mark-name { font: 700 1.3rem/1.1 var(--serif); }
.mark-sub { font-size: .78rem; color: var(--muted); letter-spacing: .02em; }
.mast-act { display: flex; gap: .5rem; align-items: center; }
.mast-act .btn-brass { display: none; }
.navtoggle { min-height: 44px; padding: .5rem .9rem; border: 1px solid var(--forest); background: transparent; color: var(--forest); font: 700 .95rem var(--sans); border-radius: var(--r); cursor: pointer; }
.volnav { border-top: 1px solid var(--rule); background: var(--paper); display: none; }
.volnav.open { display: block; }
.volnav ol { list-style: none; margin: 0; padding: .4rem 0 .8rem; counter-reset: vol; }
.volnav li { counter-increment: vol; }
.volnav a { display: block; padding: .55rem 0; text-decoration: none; color: var(--forest); font-weight: 600; border-bottom: 1px dotted var(--rule); }
.volnav a::before { content: "\00a7\00a0" counter(vol) "\2002"; color: var(--brass-ink); font-family: var(--serif); font-weight: 400; font-size: .9em; }
.volnav a[aria-current="page"] { color: var(--oxblood); }
@media (min-width: 960px) {
  .topline span { display: inline; }
  .navtoggle { display: none; }
  .mast-act .btn-brass { display: inline-flex; }
  .volnav { display: block; }
  .volnav ol { display: flex; flex-wrap: wrap; justify-content: space-between; padding: 0; }
  .volnav a { border: 0; padding: .7rem 0; font-size: .95rem; border-bottom: 3px solid transparent; }
  .volnav a[aria-current="page"] { border-bottom-color: var(--oxblood); }
}

/* home: hero */
.hero { background: radial-gradient(1200px 500px at 85% -10%, #2a5a48 0, transparent 60%), var(--forest); color: #e8eee9; padding: 3rem 0 3.4rem; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; inset: auto 0 0 0; height: 6px; background: repeating-linear-gradient(90deg, var(--brass) 0 28px, transparent 28px 36px); opacity: .55; }
.hero-grid { display: grid; gap: 2.2rem; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--brass); font-weight: 400; }
.hero .kicker { color: var(--brass); }
.hero-lead { font-size: 1.17rem; max-width: 40rem; color: #dfe7e1; }
.hero-act { display: flex; flex-wrap: wrap; gap: .7rem; margin-top: 1.4rem; }
.hero-note { margin-top: 1rem; font-size: .9rem; color: #b8c7bd; }
.docket { background: var(--paper); color: var(--ink); border-radius: var(--r); padding: 1.3rem 1.3rem 1rem; box-shadow: 0 18px 40px rgba(0,0,0,.28); border-top: 6px solid var(--brass); }
.docket h2 { font-size: 1.1rem; margin-bottom: .2rem; }
.docket-sub { font-size: .9rem; color: var(--muted); margin-bottom: .8rem; }
.docket ol { list-style: none; margin: 0; padding: 0; }
.docket li { display: grid; grid-template-columns: 4.6rem 1fr; gap: .8rem; padding: .6rem 0; border-top: 1px solid var(--rule); font-size: .95rem; line-height: 1.45; }
.docket b { font: 700 1.25rem/1.1 var(--serif); color: var(--oxblood); }
.docket b small { display: block; font: 600 .7rem/1.2 var(--sans); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.docket cite { display: block; font-style: normal; font-size: .8rem; color: var(--brass-ink); font-weight: 700; }
@media (min-width: 900px) { .hero { padding: 4.4rem 0 4.8rem; } .hero-grid { grid-template-columns: 1.25fr 1fr; align-items: center; gap: 3.4rem; } }

/* sections */
.sec { padding: 3.2rem 0; }
.sec-paper { background: var(--paper); border-top: 1px solid var(--rule); border-bottom: 1px solid var(--rule); }
.sec-head { max-width: 46rem; margin-bottom: 2rem; }
.sec-head p { color: var(--muted); font-size: 1.1rem; }
.rule-title { display: flex; align-items: center; gap: 1rem; }
.rule-title::after { content: ""; flex: 1; height: 1px; background: var(--rule); }

/* citation cards */
.cites { display: grid; gap: 1.1rem; }
@media (min-width: 700px) { .cites { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .cites.three { grid-template-columns: repeat(3, 1fr); } }
.cite { background: var(--paper); border: 1px solid var(--rule); border-left: 5px solid var(--forest-2); border-radius: var(--r); padding: 1.15rem 1.25rem 1rem; position: relative; }
.sec-paper .cite { background: #fff; }
.cite-no { display: inline-block; font: 700 .82rem/1.2 var(--sans); letter-spacing: .04em; color: var(--paper); background: var(--forest-2); padding: .28rem .55rem; border-radius: 2px; margin-bottom: .7rem; }
.cite h3 { margin-bottom: .45rem; font-size: 1.12rem; }
.cite p { font-size: .98rem; margin-bottom: .6rem; }
.cite-rule { font-family: var(--serif); font-style: italic; color: var(--forest); border-left: 2px solid var(--brass); padding-left: .8rem; }
.cite-foot { display: flex; justify-content: space-between; gap: .6rem; flex-wrap: wrap; font-size: .85rem; border-top: 1px dotted var(--rule); padding-top: .55rem; margin-top: .4rem; }
.cite-foot a { font-weight: 700; }
.cite.brass { border-left-color: var(--brass-d); }
.cite.brass .cite-no { background: var(--brass-ink); }
.cite.ox { border-left-color: var(--oxblood); }
.cite.ox .cite-no { background: var(--oxblood); }
.prose .cite { margin: 1.5rem 0; }

/* ledger: insurer duties vs policyholder rights */
.ledger { display: grid; border: 1px solid var(--rule); border-radius: var(--r); overflow: hidden; background: #fff; }
@media (min-width: 820px) { .ledger { grid-template-columns: 1fr 1fr; } }
.ledger > div { padding: 1.4rem 1.4rem .6rem; }
.ledger > div + div { border-top: 1px solid var(--rule); }
@media (min-width: 820px) { .ledger > div + div { border-top: 0; border-left: 1px solid var(--rule); } }
.ledger h3 { display: flex; align-items: baseline; gap: .5rem; border-bottom: 2px solid var(--forest); padding-bottom: .5rem; }
.ledger ul { list-style: none; margin: 0; padding: 0; }
.ledger li { padding: .55rem 0 .55rem 1.6rem; border-bottom: 1px dotted var(--rule); position: relative; font-size: 1rem; }
.ledger li::before { content: "\00a7"; position: absolute; left: .2rem; top: .5rem; font-family: var(--serif); color: var(--brass-d); }
.ledger li:last-child { border-bottom: 0; }

/* procedural path */
.path { list-style: none; margin: 0; padding: 0; counter-reset: st; position: relative; }
.path li { counter-increment: st; position: relative; padding: 0 0 1.6rem 3.6rem; }
.path li::before { content: counter(st, upper-roman); position: absolute; left: 0; top: 0; width: 2.6rem; height: 2.6rem; border-radius: 50%; display: grid; place-items: center;
  background: var(--forest); color: var(--brass); font: 700 .95rem var(--serif); }
.path li::after { content: ""; position: absolute; left: 1.28rem; top: 2.8rem; bottom: .2rem; width: 2px; background: var(--rule); }
.path li:last-child::after { display: none; }
.path h3 { margin-bottom: .25rem; }
.path p { margin: 0; color: var(--muted); }
.path .when { display: inline-block; font-size: .8rem; font-weight: 700; color: var(--brass-ink); letter-spacing: .05em; text-transform: uppercase; margin-bottom: .2rem; }

/* how a lawyer helps */
.helps { display: grid; gap: 1px; background: var(--rule); border: 1px solid var(--rule); }
@media (min-width: 700px) { .helps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1040px) { .helps { grid-template-columns: repeat(3, 1fr); } }
.helps > div { background: var(--paper); padding: 1.3rem 1.3rem 1rem; }
.helps h3 { font-size: 1.08rem; }
.helps p { font-size: .98rem; color: var(--muted); }
.helps .n { font: 400 2rem/1 var(--serif); color: var(--brass-d); display: block; margin-bottom: .4rem; }

/* chapters */
.chapters { list-style: none; margin: 0; padding: 0; border-top: 2px solid var(--forest); }
.chapters li { border-bottom: 1px solid var(--rule); }
.chapters a { display: grid; grid-template-columns: 3rem 1fr; gap: .4rem 1rem; padding: 1rem .2rem; text-decoration: none; color: var(--ink); }
.chapters a:hover { background: var(--vellum); }
.chapters .ch { font: 400 1.5rem/1 var(--serif); color: var(--brass-d); grid-row: span 2; }
.chapters strong { font: 700 1.1rem/1.3 var(--serif); color: var(--forest); }
.chapters span:last-child { color: var(--muted); font-size: .96rem; }

/* two column body */
.split { display: grid; gap: 2rem; }
@media (min-width: 960px) { .split { grid-template-columns: 1.4fr 1fr; gap: 3rem; align-items: start; } }
.note { background: var(--vellum); border: 1px solid var(--rule); border-radius: var(--r); padding: 1.1rem 1.25rem; font-size: .98rem; }
.note strong:first-child { color: var(--oxblood); }

/* guide pages */
.title-block { background: var(--paper); border-bottom: 1px solid var(--rule); padding: 1.6rem 0 1.8rem; }
.title-block h1 { max-width: 52rem; }
.crumbs { font-size: .88rem; color: var(--muted); margin-bottom: 1rem; }
.dek { font-size: 1.18rem; color: var(--muted); max-width: 46rem; }
.reviewed { font-size: .85rem; color: var(--brass-ink); border-top: 1px solid var(--rule); padding-top: .7rem; margin: 1rem 0 0; max-width: 46rem; }
.guide-grid { display: grid; gap: 1.5rem; padding-top: 1.8rem; padding-bottom: 3rem; }
@media (min-width: 1000px) { .guide-grid { grid-template-columns: 270px minmax(0, 1fr); gap: 3rem; } }
.toc { align-self: start; }
@media (min-width: 1000px) { .toc { position: sticky; top: 1rem; } }
.toc-box { background: var(--paper); border: 1px solid var(--rule); border-top: 4px solid var(--forest); border-radius: var(--r); padding: .8rem 1rem; }
.toc-box summary { font: 700 1rem var(--serif); color: var(--forest); cursor: pointer; }
.toc-box ol { margin: .6rem 0 0; padding-left: 1.3rem; font-size: .94rem; }
.toc-box li { padding: .22rem 0; }
.toc-box a { text-decoration: none; color: var(--ink); }
.toc-box a:hover, .toc-box a.on { color: var(--oxblood); text-decoration: underline; }
.toc-box li::marker { color: var(--brass-ink); font-family: var(--serif); }
.toc-cta { display: none; margin-top: 1rem; background: var(--forest); color: #dce5de; padding: 1rem; border-radius: var(--r); }
.toc-cta p { margin: 0 0 .3rem; font: 700 1rem var(--serif); color: #fff; }
.toc-cta a { display: block; color: var(--brass); font-weight: 700; text-decoration: none; padding: .15rem 0; }
@media (min-width: 1000px) { .toc-cta { display: block; } }
.prose { max-width: 46rem; min-width: 0; }
.prose h2 { margin-top: 2.2rem; padding-top: 1.2rem; border-top: 1px solid var(--rule); }
.prose h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.prose h3 { margin-top: 1.5rem; }
.prose ul, .prose ol { padding-left: 1.3rem; }
.prose li { margin-bottom: .45rem; }
.prose .lede { font-size: 1.15rem; }
table { width: 100%; border-collapse: collapse; margin: 1.2rem 0 1.6rem; font-size: .96rem; background: #fff; }
caption { text-align: left; font: 700 .95rem var(--serif); color: var(--forest); padding-bottom: .5rem; }
th, td { text-align: left; vertical-align: top; padding: .6rem .7rem; border: 1px solid var(--rule); }
th { background: var(--forest); color: var(--paper); font-weight: 700; }
tbody tr:nth-child(even) td { background: #faf6ea; }
.tscroll { overflow-x: auto; }

/* faq */
.faqs { margin-top: 1rem; }
details.faq { border-bottom: 1px solid var(--rule); }
details.faq summary { cursor: pointer; padding: .9rem 2rem .9rem 0; font: 700 1.05rem/1.4 var(--serif); color: var(--forest); position: relative; list-style: none; }
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after { content: "+"; position: absolute; right: .3rem; top: .75rem; font: 400 1.4rem var(--sans); color: var(--brass-d); }
details.faq[open] summary::after { content: "\2013"; }
details.faq > div { padding: 0 0 1rem; }

/* deadline calculator */
.calc { background: var(--forest); color: #e3ebe5; border-radius: var(--r); padding: 1.3rem; margin: 1.6rem 0; }
.calc h3 { color: #fff; margin-top: 0; }
.calc label { display: block; font-weight: 700; margin-bottom: .3rem; }
.calc input { font: inherit; padding: .55rem .7rem; border-radius: var(--r); border: 1px solid var(--brass); background: var(--paper); color: var(--ink); min-height: 46px; }
.calc-out { list-style: none; margin: 1rem 0 0; padding: 0; display: grid; gap: .6rem; }
.calc-out li { background: rgba(255,255,255,.07); border-left: 4px solid var(--brass); padding: .6rem .8rem; }
.calc-out b { display: block; color: #f1dca8; font-family: var(--serif); font-size: 1.15rem; }
.calc small { display: block; margin-top: .8rem; color: #b9c8be; }

/* counsel band */
.counsel { background: var(--forest-2); color: #e3ebe5; padding: 2.6rem 0; border-top: 4px solid var(--brass); }
.counsel h2 { color: #fff; }
.counsel .kicker { color: var(--brass); }
.counsel-in { display: grid; gap: 1.4rem; }
.counsel-act { display: flex; flex-wrap: wrap; gap: .7rem; }
@media (min-width: 900px) { .counsel-in { grid-template-columns: 1.4fr 1fr; align-items: center; } .counsel-act { justify-content: flex-end; } }

/* form */
.form-card { background: var(--paper); border: 1px solid var(--rule); border-top: 6px solid var(--forest); border-radius: var(--r); padding: 1.4rem; }
.fgrid { display: grid; gap: .9rem; margin-bottom: 1rem; }
@media (min-width: 640px) { .fgrid { grid-template-columns: 1fr 1fr; } .wide { grid-column: 1 / -1; } }
.fld label { display: block; font-weight: 700; font-size: .95rem; margin-bottom: .25rem; color: var(--forest); }
.fld input, .fld select, .fld textarea { width: 100%; font: inherit; font-size: 1rem; padding: .6rem .7rem; min-height: 46px; border: 1px solid #a99c7c; border-radius: var(--r); background: #fff; color: var(--ink); }
.fld textarea { resize: vertical; }
.consent { display: flex; gap: .6rem; align-items: flex-start; font-size: .9rem; color: var(--muted); line-height: 1.45; }
.consent input { width: 20px; height: 20px; margin-top: .15rem; flex: none; accent-color: var(--forest); }
.fnote { font-size: .88rem; color: var(--muted); margin: .7rem 0 0; }
.fout:empty { display: none; }
.fout { margin-top: .8rem; padding: .8rem 1rem; border-radius: var(--r); background: #e3efe6; border: 1px solid #9fc0a8; }
.fout.err { background: #f7e3df; border-color: #d6a196; }

/* index & simple pages */
.page-head { background: var(--paper); border-bottom: 1px solid var(--rule); padding: 2rem 0 1.6rem; }
.page-body { padding: 2.4rem 0 3rem; }
.index-list { list-style: none; padding: 0; margin: 0 0 2rem; }
.index-list li { padding: .7rem 0; border-bottom: 1px dotted var(--rule); }
.index-list a { font: 700 1.05rem var(--serif); }
.index-list span { display: block; font-size: .93rem; color: var(--muted); }
.firm-card { display: flex; flex-direction: column; gap: .8rem; background: var(--forest); color: #e3ebe5; border-radius: var(--r); padding: 1.4rem; }
.firm-card img { width: 160px; }
.firm-card a { color: var(--brass); }

/* footer */
.foot { background: #10251b; color: #c3cfc6; padding: 2.8rem 0 5.5rem; font-size: .95rem; }
.foot a { color: #e9d7a6; }
.foot ul { list-style: none; padding: 0; margin: 0; }
.foot li { padding: .18rem 0; }
.foot-grid { display: grid; gap: 1.8rem; margin-bottom: 1.8rem; }
@media (min-width: 820px) { .foot-grid { grid-template-columns: 1.4fr 1fr 1fr; } .foot { padding-bottom: 2.4rem; } }
.foot-name { font: 700 1.3rem var(--serif); color: #fff; margin-bottom: .4rem; }
.foot-h { font: 700 .8rem var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--brass); }
.foot-tel { font: 700 1.25rem var(--serif); text-decoration: none; }
.lbl { display: block; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: #93a69a; }
.foot-legal { border-top: 1px solid #2a4337; padding-top: 1.2rem; font-size: .86rem; line-height: 1.6; color: #a9b8ae; }
.foot-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: .6rem; font-size: .85rem; color: #93a69a; }

/* mobile call bar */
.callbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; display: grid; grid-template-columns: 1fr 1fr; box-shadow: 0 -4px 14px rgba(0,0,0,.2); }
.callbar a { display: flex; align-items: center; justify-content: center; min-height: 56px; font-weight: 700; text-decoration: none; background: var(--forest); color: #fff; }
.callbar .callbar-cta { background: var(--brass); color: var(--forest); }
@media (min-width: 820px) { .callbar { display: none; } }

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
@media print { .topline, .volnav, .callbar, .counsel, .toc, .navtoggle { display: none !important; } body { background: #fff; } }