:root{--ink:#241b16!important;--muted:#70645b!important;--paper:#f4eee5!important;--surface:#fbf8f2!important;--cream:#eee3d7!important;--accent:#9a4e38!important;--dark:#2d201a!important;--line:rgba(36,27,22,.16)!important;--blue:#9a4e38!important;--navy:#2d201a!important;--gold:#9a4e38!important;--gold-ink:#7f3e2c!important}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper)!important;color:var(--ink)!important;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",sans-serif!important;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}p{line-height:1.7}
.site-header{height:76px!important;position:sticky!important;top:0;z-index:40;display:flex!important;align-items:center!important;justify-content:flex-start!important;gap:34px;padding:0 clamp(22px,5vw,76px)!important;background:rgba(244,238,229,.94)!important;border-bottom:1px solid var(--line)!important;backdrop-filter:blur(18px)!important}.site-header>a:first-child{flex:0 0 116px}.ratio-wordmark{display:block!important;width:116px;height:52px;font-size:0!important;background:url('/ratio-logo-transparent.svg?v=1') center/contain no-repeat}.ratio-dot,.brand-mark{display:none!important}.site-header>nav:not(.language-switcher){display:flex;align-items:center;gap:28px;margin-left:auto;font-size:13px;font-weight:500}.site-header>nav a{min-height:48px;display:inline-flex;align-items:center;padding:12px 0}.site-header>nav a:hover{opacity:.55}.language-switcher{display:flex;gap:9px;margin-left:auto;font-size:10px;font-weight:700;letter-spacing:.08em}.language-switcher a{color:var(--muted);padding:7px 2px}.language-switcher a[aria-current=page]{color:var(--ink);border-bottom:1px solid}.button,.form-button{min-height:50px!important;display:inline-flex!important;align-items:center;justify-content:center;gap:22px;padding:14px 23px!important;border:0!important;border-radius:999px!important;background:var(--accent)!important;color:#fff!important;font-size:13px!important;font-weight:700!important;box-shadow:none!important;transition:transform .2s,background .2s}.button:hover,.form-button:hover{background:#7f3e2c!important;transform:translateY(-2px)}.button-small{min-height:42px!important;padding:11px 17px!important}
.service-page,.calculator-page{background:var(--paper)!important}.service-page-head,.calculator-head{background:var(--paper)!important;color:var(--ink)!important;padding:90px clamp(22px,9vw,138px) 96px!important;border-bottom:1px solid var(--line)}.service-page-head .eyebrow,.calculator-head .eyebrow{color:var(--accent)!important}.eyebrow{display:flex;align-items:center;gap:10px;color:var(--accent)!important;font-size:11px!important;font-weight:750!important;letter-spacing:.16em!important;text-transform:uppercase}.eyebrow>span{width:28px;height:1px;background:var(--accent)!important}.service-page-head h1,.legal-page h1,.state-page h1{max-width:980px;margin:20px 0 26px!important;font:400 clamp(48px,6vw,82px)/.99 "Iowan Old Style",Georgia,serif!important;letter-spacing:-.052em!important}.service-page-head>p:not(.eyebrow),.calculator-head>p:not(.eyebrow){max-width:790px;color:var(--muted)!important;font-size:17px!important}.service-page-body{max-width:1120px;margin:0 auto;padding:90px clamp(22px,6vw,70px)!important;background:var(--surface)}.service-page-body section{padding:36px 0!important;border-top:1px solid var(--line)!important}.service-page-body h2{margin:0 0 18px!important;font:400 clamp(30px,4vw,45px)/1.08 "Iowan Old Style",Georgia,serif!important;letter-spacing:-.04em!important}.service-page-body h3{margin:22px 0 8px;font-size:18px}.service-page-body p,.service-page-body li{color:var(--muted)!important;line-height:1.75}.service-page-body ul,.service-page-body ol{padding-left:22px}.service-page-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0!important;border-top:1px solid var(--line);border-left:1px solid var(--line)}.service-page-card{padding:28px!important;background:transparent!important;border:0!important;border-right:1px solid var(--line)!important;border-bottom:1px solid var(--line)!important;border-radius:0!important}.service-page-cta{padding:36px!important;background:var(--paper)!important;border:1px solid var(--line)!important;border-left:3px solid var(--accent)!important}.service-page a:not(.button),.legal-inline-link,.legal-links a{color:var(--accent)!important;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}
.legal-page,.state-page{max-width:1100px;min-height:100vh;padding:72px clamp(22px,12vw,190px)!important;background:var(--paper)!important}.legal-back{display:inline-block;margin-bottom:70px;font-size:13px;font-weight:700}.legal-updated{margin-bottom:55px;color:var(--muted);font-size:13px}.legal-page section{padding:28px 0!important;border-top:1px solid var(--line)!important}.legal-page section h2{margin:0 0 12px;font:400 27px "Iowan Old Style",Georgia,serif!important}.legal-page section p,.legal-page section li{max-width:820px;color:var(--muted)!important;line-height:1.75}.legal-page section ul{padding-left:22px}.legal-note{margin-top:34px;padding:20px!important;background:var(--surface)!important;border:1px solid var(--line)!important;border-left:3px solid var(--accent)!important}.legal-links{display:flex;flex-wrap:wrap;gap:24px;margin-top:34px;font-size:13px;font-weight:700}
.contact-form{padding:32px!important;background:var(--surface)!important;color:var(--ink)!important;border:1px solid var(--line)!important;box-shadow:none!important}.contact-form label{display:block;margin-bottom:18px;font-size:12px;font-weight:700}.contact-form input,.contact-form select,.contact-form textarea{width:100%;margin-top:8px;padding:13px 14px;background:#fff!important;border:1px solid var(--line)!important;border-radius:0!important;color:var(--ink)!important}.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{border-color:var(--accent)!important;outline:2px solid rgba(154,78,56,.18)!important}
footer{display:grid!important;grid-template-columns:1fr 1fr;align-items:center;gap:22px;padding:55px clamp(22px,7vw,108px)!important;background:#1e1713!important;color:#eee3da!important}footer .ratio-wordmark{filter:brightness(2.1) grayscale(.2)}footer>p,footer small{text-align:right;color:#a99a90!important;font-size:11px}footer>div{display:flex;flex-wrap:wrap;gap:22px;font-size:11px;color:#c9bbb1}footer>div a{min-height:40px;display:inline-flex;align-items:center}
:where(a,button,summary,input,select,textarea):focus-visible{outline:2px solid var(--accent)!important;outline-offset:3px!important;box-shadow:none!important}.mobile-nav{display:none}
@media(max-width:900px){.site-header>nav:not(.language-switcher){display:none}.site-header .language-switcher{display:flex;margin-left:auto}.site-header .button-small{display:none}.service-page-grid{grid-template-columns:1fr}.mobile-nav{display:none!important}}
@media(max-width:620px){.site-header{height:68px!important;padding-inline:16px!important;gap:14px}.site-header>a:first-child{flex-basis:96px}.ratio-wordmark{width:96px;height:44px}.language-switcher{gap:5px}.service-page-head,.calculator-head{padding:62px 20px 70px!important}.service-page-head h1,.legal-page h1,.state-page h1{font-size:45px!important}.service-page-body{padding:62px 20px!important}.legal-page,.state-page{padding:55px 20px!important}footer{grid-template-columns:1fr!important}footer>p,footer small{text-align:left!important}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}