:root {
  /* Violet + coral: purple is a top-2 favorite among women and 18-29s (core pet insurance buyers);
     stands apart from Lemonade pink / Healthy Paws green / finance blue. Coral is the accent only. */
  --bg: #f5f3fc; --card: #ffffff; --ink: #1e1640; --muted: #615a78; --line: #e4dff5;
  --brand: #4a35b5; --brand-ink: #ffffff; --accent: #ff9c7a; --soft: #eeebfb;
  --btn: #ff8a65; --btn-ink: #1e1640; --accent-text: #b5482a; --stat: #1e1640;
  --hero-bg: #3b2a8f; --hero-ink: #ffffff; --hero-muted: #d6d0f2;
  --radius: 18px; --shadow: 0 1px 2px rgba(20,40,40,.04), 0 8px 24px rgba(20,40,40,.06);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 16px/1.55 Inter, system-ui, sans-serif; }
a { color: var(--brand); }
h1, h2 { font-family: 'Bricolage Grotesque', Inter, sans-serif; line-height: 1.1; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 800; margin: .3em 0; }
h1 span { color: var(--brand); }
h2 { font-size: 1.35rem; font-weight: 600; margin: 0 0 .6rem; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.top { border-bottom: 1px solid rgba(255,255,255,.1); background: var(--hero-bg); position: sticky; top: 0; backdrop-filter: blur(6px); z-index: 5; }
.top .wrap { display: flex; align-items: center; justify-content: space-between; height: 60px; gap: 12px; }
.logo { font-family: 'Bricolage Grotesque', sans-serif; font-weight: 800; font-size: 1.2rem; text-decoration: none; color: var(--hero-ink); white-space: nowrap; display: inline-flex; align-items: center; gap: .3em; }
.logo .paw { width: 1em; height: 1em; fill: var(--accent); flex: none; }
.top nav a { margin-left: 18px; text-decoration: none; color: var(--hero-muted); font-weight: 500; font-size: .95rem; }
.top nav a:hover { color: var(--accent); }
.hero { padding: 56px 0 44px; margin-bottom: 28px; background: var(--hero-bg); color: var(--hero-ink); }
.hero h1 span { color: var(--accent); }
.hero .lede, .hero p, .hero .muted { color: var(--hero-muted); }
.hero .eyebrow { color: var(--accent); }
.hero .stats div { border-color: transparent; }
.hero.slim { padding: 36px 0 28px; }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .78rem; font-weight: 600; color: var(--accent-text); margin: 0; }
.eyebrow a { color: inherit; }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 640px; }
.two { display: grid; grid-template-columns: 1.1fr 1fr; gap: 20px; align-items: start; padding-bottom: 56px; }
.stack { display: grid; gap: 20px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow); min-width: 0; }
.btn { display: inline-block; background: var(--btn); color: var(--btn-ink); border: 0; border-radius: 999px; padding: 13px 22px; font: 600 1rem Inter, sans-serif; text-decoration: none; cursor: pointer; }
.btn:hover { filter: brightness(1.1); }
.btn.ghost { background: var(--soft); color: var(--brand); }
.btn.sm { padding: 6px 12px; font-size: .85rem; }
.muted { color: var(--muted); }
.small { font-size: .85rem; }
.tbl { width: 100%; border-collapse: collapse; font-size: .95rem; }
.tbl th { text-align: left; font-size: .75rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); border-bottom: 1px solid var(--line); padding: 8px 6px; }
.tbl td { padding: 10px 6px; border-bottom: 1px solid var(--line); }
.tbl tr:last-child td { border-bottom: 0; }
.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; margin: 18px 0; }
.stats div { background: var(--card); border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px; }
.stats b { display: block; font-family: 'Bricolage Grotesque', sans-serif; font-size: 1.7rem; color: var(--stat); }
.stats span { color: var(--muted); font-size: .85rem; }
.form .grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 14px; margin: 16px 0; }
.form .form-sub { margin: 4px 0 0; }
.form label { font-size: .8rem; }
.form details.more { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 12px 0; margin: 0 0 16px; }
.form details.more summary { font-size: .9rem; }
.form details.more .grid { margin: 14px 0 4px; }
label { display: block; font-size: .85rem; font-weight: 600; }
label input, label select, label textarea { margin-top: 6px; }
.tbl .num { text-align: right; }
label.full { margin-bottom: 14px; }
.opt { font-weight: 400; color: var(--muted); }
input, select, textarea { font: 400 1rem Inter, sans-serif; padding: 10px 12px; border: 1px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink); width: 100%; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--brand); outline-offset: 1px; }
.hp { position: absolute; left: -9999px; }
.errors { background: #fff1ec; border: 1px solid #ffd2c4; border-radius: 10px; padding: 8px 14px; color: #8a2d12; }
.errors p { margin: 4px 0; }
.switch-list { display: grid; gap: 8px; }
.switch-item { display: block; padding: 12px 14px; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; font-weight: 600; }
.switch-item:hover { border-color: var(--brand); background: var(--soft); }
.links { padding-left: 18px; } .links li { margin: 8px 0; }
details { border-top: 1px solid var(--line); padding: 10px 0; } details summary { cursor: pointer; font-weight: 600; }
.prose p { max-width: 65ch; }
.inline { display: flex; gap: 6px; }
.foot { border-top: 1px solid var(--line); padding: 28px 0; color: var(--muted); font-size: .9rem; }
@media (max-width: 860px) {
  .two { grid-template-columns: 1fr; }
  .top nav a:not(:last-child) { display: none; }
}
@media (max-width: 480px) { .form .grid { grid-template-columns: 1fr; } }
.updated { margin: 6px 0 0; opacity: .8; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; margin: 0 0 10px; padding: 0; font-size: .85rem; }
.crumbs li + li::before { content: "›"; margin-right: 6px; opacity: .6; }
.crumbs a { color: inherit; }
.crumbs [aria-current] { opacity: .8; }
.state-grid { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); gap: 6px 14px; }
ul.links { padding-left: 1.1rem; columns: 2; }
@media (max-width: 600px) { ul.links { columns: 1; } }
.filed-label { margin: 14px 0 6px; }
.stats.filed div span { font-size: .8rem; }
.prose h2 { margin-top: 1.6rem; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { line-height: 1.6; }
.prose ul { padding-left: 1.2rem; }
.prose .sources li { margin: .3rem 0; }
.foot-links { display: flex; flex-wrap: wrap; gap: .4rem 1.2rem; margin: .6rem 0; }
.foot-links a { font-weight: 600; }
.hero p a:not(.btn) { color: var(--accent); }

/* Report (§12) */
.chart { margin: 0 0 1rem; }
.chart svg { width: 100%; height: auto; display: block; }
pre.cite { white-space: pre-wrap; background: var(--soft); border: 1px solid var(--line); border-radius: 8px; padding: .75rem 1rem; font-size: .9rem; }
.guide-list li { margin-bottom: .75rem; }