/* ==========================================================================
   site.css - 4businessinsurance.com's own styles. Loads after app.css and
   sitekit.css (sk_css_once), so it only adds and adjusts.

   1. Profiles (insurers, industries, states, brokers): stat tiles, fact sheets, lists, sources
   2. Tools: widget forms, results, bars, pickers, checklists, print
   3. Homepage: start panel, mini checklist, finder, coverage shortcuts, guide
      tabs, industries, top insurers, state grid
   4. Dark mode for everything above AND for the kit's own blocks, which
      sitekit.css paints light only. Keyed on html[data-fs-theme="dark"], the
      engine's switch (app.css section 14), reading its --fs-* tokens.
   ========================================================================== */

:root{
  --bi-ink:#1c2533; --bi-ink-2:#465264; --bi-ink-3:#6a7586;
  --bi-surface:#ffffff; --bi-surface-2:#f6f8fb; --bi-surface-3:#edf2f8;
  --bi-line:#e5e9f0; --bi-line-2:#d3dbe6;
  --bi-link:#0b62a4; --bi-accent:#b45309; --bi-accent-bg:#fdf3e7;
  --bi-good:#0f7b4f; --bi-good-bg:#ecf8f2;
  --bi-warn:#9a5b00; --bi-warn-bg:#fff6e6;
  --bi-info:#1d4f8c; --bi-info-bg:#eef4fc;
  --bi-bar:#2f7fd0; --bi-bar-2:#0f8f77;
  --bi-radius:var(--radius,12px);
  --bi-shadow:var(--shadow-1,0 1px 2px rgba(16,24,40,.05));
}

/* ---------------------------------------------------------- 1. profiles -- */
.sk-profile-actions{ display:flex; flex-wrap:wrap; gap:8px; }
.sk-aka{ margin:4px 0 0; font-size:13.5px; color:var(--bi-ink-3); }
.sk-tiles{ display:grid; grid-template-columns:repeat(auto-fit, minmax(170px, 1fr)); gap:10px; margin:4px 2px 16px; }
.sk-tile{ display:flex; flex-direction:column; gap:2px; padding:12px 14px; background:var(--bi-surface); border:1px solid var(--bi-line); border-radius:var(--bi-radius); box-shadow:var(--bi-shadow); min-width:0; }
.sk-tile-label{ font-size:11.5px; font-weight:700; letter-spacing:.06em; text-transform:uppercase; color:var(--bi-ink-3); }
.sk-tile-value{ font-size:18px; font-weight:700; color:var(--bi-ink); line-height:1.3; overflow-wrap:anywhere; }
.sk-tile-value a{ color:var(--bi-link); text-decoration:none; }
.sk-tiles-compact .sk-tile-value{ font-size:15.5px; }

.sk-factsheet{ margin-bottom:6px; }
.sk-fact-groups{ display:grid; grid-template-columns:repeat(auto-fit, minmax(330px, 1fr)); gap:14px 18px; align-items:start; }
.sk-fact-group .ss-block-title{ margin-bottom:6px; }
.sk-fact-group .sk-facts tbody th{ width:44%; white-space:normal; }
.sk-fact-group .sk-facts td{ overflow-wrap:anywhere; }
.sk-list-grid{ display:grid; grid-template-columns:repeat(auto-fit, minmax(300px, 1fr)); gap:0 18px; }
.sk-list-grid .sk-cols{ columns:2 180px; }

.sk-sources ol{ margin:0; padding:12px 18px 12px 36px; background:var(--bi-surface); border:1px solid var(--bi-line); border-radius:var(--bi-radius); font-size:13px; line-height:1.6; columns:2 360px; column-gap:28px; }
.sk-sources li{ break-inside:avoid; overflow-wrap:anywhere; }
.sk-sources a{ color:var(--bi-link); }

.sk-filter{ max-width:460px; margin:4px 2px 12px; }
.sk-cat-chips{ margin-top:10px; }
.sk-count{ display:inline-block; min-width:20px; margin-left:4px; padding:0 6px; border-radius:10px; background:var(--bi-surface-3); font-size:11.5px; font-weight:700; color:var(--bi-ink-2); text-align:center; }
.sk-ranked td:first-child, .sk-ranked th:first-child{ width:48px; text-align:right; color:var(--bi-ink-3); font-variant-numeric:tabular-nums; }
.sk-ranked tbody th{ min-width:220px; }
.sk-ranked td{ white-space:nowrap; }
.sk-sub{ display:block; font-size:12px; font-weight:400; color:var(--bi-ink-3); }

.sk-picker{ display:flex; gap:8px; flex-wrap:wrap; max-width:520px; }
.sk-picker .form-select{ flex:1 1 220px; min-width:0; }
.sk-profile-card .sk-tiles{ margin:10px 0 6px; }

/* ------------------------------------------------------------- 2. tools -- */
.sk-calc{ margin:0 2px 10px; padding:18px 20px; background:var(--bi-surface); border:1px solid var(--bi-line); border-radius:var(--bi-radius); box-shadow:var(--bi-shadow); color:var(--bi-ink); }
.sk-calc:empty{ display:none; }
.sk-calc-intro{ margin:0 0 14px; font-size:15px; color:var(--bi-ink-2); max-width:80ch; }
.sk-calc-grid{ display:grid; grid-template-columns:minmax(260px, 5fr) minmax(280px, 6fr); gap:22px; align-items:start; }
.sk-calc-form{ display:grid; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)); gap:12px 14px; margin:0 0 14px; padding:0; border:0; min-width:0; }
.sk-calc-grid .sk-calc-form{ grid-template-columns:1fr; }
.sk-calc-form legend{ grid-column:1 / -1; float:none; width:auto; margin:0 0 2px; font-size:12px; font-weight:700; letter-spacing:.08em; text-transform:uppercase; color:var(--bi-ink-3); }
.sk-calc-grid .sk-calc-form-2, .sk-calc-form-2{ grid-template-columns:repeat(auto-fill, minmax(200px, 1fr)); }
.sk-calc-grid .sk-calc-form-row, .sk-calc-form-row{ grid-template-columns:2fr 1.4fr 1fr; gap:8px 10px; padding:10px 0; border-top:1px dashed var(--bi-line); margin:0; }
.sk-field{ display:flex; flex-direction:column; gap:4px; min-width:0; }
.sk-field-wide{ grid-column:1 / -1; }
.sk-field label, .sk-check label{ font-size:14px; font-weight:600; color:var(--bi-ink); }
.sk-help{ margin:0; font-size:12.5px; line-height:1.45; color:var(--bi-ink-3); }
.sk-help-inline{ display:inline; font-weight:400; }
.sk-in{ display:flex; align-items:stretch; }
.sk-in .form-control{ min-width:0; }
.sk-in-affix{ display:flex; align-items:center; padding:0 10px; background:var(--bi-surface-2); border:1px solid var(--bi-line-2); color:var(--bi-ink-2); font-weight:600; font-size:14px; white-space:nowrap; }
.sk-in-pre .sk-in-affix:first-child{ border-right:0; border-radius:6px 0 0 6px; }
.sk-in-pre .form-control{ border-top-left-radius:0; border-bottom-left-radius:0; }
.sk-in-suf .sk-in-affix:last-child{ border-left:0; border-radius:0 6px 6px 0; }
.sk-in-suf .form-control{ border-top-right-radius:0; border-bottom-right-radius:0; }
.sk-check{ display:flex; align-items:flex-start; gap:8px; margin:2px 0; padding-left:0; }
.sk-check .form-check-input{ margin:3px 0 0; flex:0 0 auto; float:none; }
.sk-check label{ font-weight:500; }
.sk-step{ padding:8px 0; border-bottom:1px solid var(--bi-line); }
.sk-step .sk-help{ margin-left:26px; }

.sk-calc-result{ min-width:0; padding:14px 16px; background:var(--bi-surface-2); border:1px solid var(--bi-line); border-radius:var(--bi-radius); }
.sk-calc > .sk-calc-result{ margin-top:14px; }
.sk-calc-sub{ margin:14px 0 6px; font-size:15px; font-weight:700; color:var(--bi-ink); }
.sk-calc-sub:first-child{ margin-top:0; }
.sk-big{ display:flex; flex-direction:column; gap:2px; margin:0 0 12px; padding:12px 14px; background:var(--bi-surface); border:1px solid var(--bi-line); border-left:4px solid var(--bi-accent); border-radius:10px; }
.sk-big-label{ font-size:12px; font-weight:700; letter-spacing:.06em; text-transform:uppercase; color:var(--bi-ink-3); }
.sk-big-value{ font-size:28px; font-weight:800; line-height:1.15; letter-spacing:-.01em; color:var(--bi-ink); font-variant-numeric:tabular-nums; }
.sk-big-note{ font-size:13.5px; color:var(--bi-ink-2); line-height:1.45; }

.sk-calc-table{ width:100%; border-collapse:collapse; font-size:14.5px; margin:0 0 10px; }
.sk-calc-table th, .sk-calc-table td{ padding:7px 8px; border-bottom:1px solid var(--bi-line); text-align:left; vertical-align:top; }
.sk-calc-table tbody th{ font-weight:500; color:var(--bi-ink-2); }
.sk-calc-table td{ font-weight:600; color:var(--bi-ink); font-variant-numeric:tabular-nums; text-align:right; white-space:nowrap; }
.sk-calc-table tr.sk-strong th, .sk-calc-table tr.sk-strong td{ font-weight:700; color:var(--bi-ink); }
.sk-calc-table tr.sk-strong td{ font-size:16px; }
.sk-calc-grid-table{ width:100%; border-collapse:collapse; font-size:13.5px; margin:4px 0 10px; }
.sk-calc-grid-table th, .sk-calc-grid-table td{ padding:6px 8px; border-bottom:1px solid var(--bi-line); text-align:left; vertical-align:top; }
.sk-calc-grid-table thead th{ font-size:11.5px; letter-spacing:.05em; text-transform:uppercase; color:var(--bi-ink-3); font-weight:700; }
.sk-calc-grid-table td{ font-variant-numeric:tabular-nums; color:var(--bi-ink); }
.sk-calc-grid-table tr.sk-best td{ background:var(--bi-good-bg); font-weight:700; }
.sk-compare-table td:first-child{ font-weight:600; color:var(--bi-ink-2); min-width:150px; }
.sk-compare-table td{ min-width:170px; }

.sk-bars{ display:flex; flex-direction:column; gap:6px; margin:6px 0 12px; }
.sk-bar-row{ display:grid; grid-template-columns:minmax(90px, 30%) 1fr auto; gap:10px; align-items:center; font-size:13.5px; }
.sk-bar-label{ color:var(--bi-ink-2); overflow:hidden; text-overflow:ellipsis; white-space:nowrap; }
.sk-bar-track{ height:10px; background:var(--bi-surface-3); border-radius:6px; overflow:hidden; }
.sk-bar-fill{ display:block; height:100%; background:var(--bi-bar); border-radius:6px; transition:width .25s ease; }
.sk-bar-fill.sk-bar-alt{ background:var(--bi-bar-2); }
.sk-bar-value{ font-weight:700; color:var(--bi-ink); font-variant-numeric:tabular-nums; min-width:64px; text-align:right; }

.sk-verdict{ margin:10px 0; padding:10px 12px; border-radius:8px; border-left:4px solid; font-size:14.5px; line-height:1.5; }
.sk-verdict-good{ background:var(--bi-good-bg); border-color:var(--bi-good); color:#0b4f33; }
.sk-verdict-warn{ background:var(--bi-warn-bg); border-color:var(--bi-warn); color:#6b3f00; }
.sk-verdict-info{ background:var(--bi-info-bg); border-color:var(--bi-info); color:#173f70; }
.sk-verdict a{ color:inherit; text-decoration:underline; }
.sk-calc-note-inline{ margin:10px 0 0; font-size:13.5px; line-height:1.55; color:var(--bi-ink-2); }
.sk-calc-note-inline a, .sk-calc-source a, .sk-picks a{ color:var(--bi-link); }
.sk-calc-source{ margin:8px 0 0; font-size:12px; color:var(--bi-ink-3); }
.sk-calc-note{ margin:0 4px 18px; }
.sk-calc-actions{ display:flex; flex-wrap:wrap; gap:8px; align-items:center; margin:12px 0 0; }
.sk-picks{ margin:0 0 6px; padding-left:20px; font-size:15px; font-weight:600; line-height:1.7; }
.sk-flags{ margin:8px 0 0; padding-left:20px; font-size:13.5px; color:var(--bi-warn); line-height:1.5; }
.sk-kids .sk-calc-form-row{ grid-template-columns:1fr 1fr; }

.sk-pick-list{ margin:4px 0 12px; }
.sk-pick-grid{ display:grid; grid-template-columns:repeat(auto-fill, minmax(190px, 1fr)); gap:6px; max-height:340px; overflow:auto; padding:2px; }
.sk-pick{ display:flex; flex-direction:column; align-items:flex-start; gap:1px; padding:7px 10px; text-align:left; background:var(--bi-surface); border:1px solid var(--bi-line); border-radius:8px; color:var(--bi-ink); cursor:pointer; }
.sk-pick:hover{ border-color:var(--bi-link); }
.sk-pick-on{ border-color:var(--bi-accent); background:var(--bi-accent-bg); box-shadow:inset 0 0 0 1px var(--bi-accent); }
.sk-pick-name{ font-size:13.5px; font-weight:700; line-height:1.3; }
.sk-pick-meta{ font-size:11.5px; color:var(--bi-ink-3); }
.sk-quote-cards{ display:grid; grid-template-columns:repeat(auto-fit, minmax(220px, 1fr)); gap:12px; }
.sk-quote-cards .sk-calc-form{ grid-template-columns:1fr; padding:12px; border:1px solid var(--bi-line); border-radius:10px; background:var(--bi-surface-2); }
.sk-calc-state{ margin-top:12px; }

.sk-tool-card .ss-card-icon{ color:var(--bi-accent); }

/* Business tools: row layouts, input tables, yes/partly/no questions,
   coverage lists, pass/flag lists, contract lines, state tables. */
.sk-calc [hidden]{ display:none !important; }
.sk-calc-grid .sk-calc-form-row.sk-row4, .sk-calc-form-row.sk-row4{ grid-template-columns:.9fr 1.6fr 1.2fr 1fr; }
.sk-calc-grid .sk-calc-form-row.sk-row2, .sk-calc-form-row.sk-row2{ grid-template-columns:2fr 1fr; }
.sk-calc-grid .sk-calc-form-row.sk-row-claim, .sk-calc-form-row.sk-row-claim{ grid-template-columns:1.6fr 1fr auto; align-items:end; }
.sk-row-claim .sk-check{ margin-bottom:8px; }
.sk-calc-grid .sk-checks, .sk-checks{ grid-template-columns:1fr; gap:6px; }
.sk-calc-grid .sk-tri-list, .sk-tri-list{ display:block; }
.sk-steps .sk-check{ padding:3px 0; }
.sk-field textarea.form-control{ min-height:70px; resize:vertical; }

.sk-in-table{ width:100%; border-collapse:collapse; font-size:13.5px; margin:2px 0 12px; }
.sk-in-table th, .sk-in-table td{ padding:5px 6px; border-bottom:1px solid var(--bi-line); text-align:left; vertical-align:middle; }
.sk-in-table thead th{ font-size:11.5px; font-weight:700; letter-spacing:.05em; text-transform:uppercase; color:var(--bi-ink-3); white-space:nowrap; }
.sk-in-table tbody th{ min-width:150px; font-weight:600; color:var(--bi-ink-2); }
.sk-in-table td{ min-width:104px; }
.sk-in-table td .form-check-input{ float:none; margin:0; }
.sk-in-table .form-control, .sk-in-table .form-select{ min-width:96px; }

.sk-tri{ min-width:0; margin:0; padding:8px 0 10px; border:0; border-bottom:1px solid var(--bi-line); }
.sk-calc-form .sk-tri-q, .sk-tri-q{ float:none; width:auto; margin:0 0 6px; padding:0; font-size:14px; font-weight:600; letter-spacing:0; line-height:1.4; text-transform:none; color:var(--bi-ink); }
.sk-tri-q .sk-help{ display:block; margin-top:2px; font-weight:400; }
.sk-tri-opts{ display:flex; flex-wrap:wrap; gap:6px; }
.sk-tri-opt{ display:inline-flex; align-items:center; gap:6px; margin:0; padding:4px 12px; border:1px solid var(--bi-line-2); border-radius:999px; background:var(--bi-surface); font-size:13.5px; color:var(--bi-ink-2); cursor:pointer; }
.sk-tri-opt .form-check-input{ float:none; margin:0; }
.sk-tri-opt:has(input:checked){ border-color:var(--bi-accent); background:var(--bi-accent-bg); color:var(--bi-ink); font-weight:600; }
.sk-tri-opt:focus-within{ outline:2px solid var(--bi-link); outline-offset:1px; }
.sk-ask, .sk-tag{ display:inline-block; margin:0 0 0 6px; padding:0 7px; border-radius:6px; font-size:11px; font-weight:700; letter-spacing:.03em; line-height:1.7; vertical-align:1px; white-space:nowrap; }
.sk-ask{ background:var(--bi-info-bg); color:var(--bi-info); text-transform:uppercase; }
.sk-tag{ background:var(--bi-warn-bg); color:var(--bi-warn); }

.sk-cov-group{ margin:0 0 14px; }
.sk-cov-h{ display:flex; align-items:center; gap:8px; }
.sk-cov-h::before{ content:""; flex:0 0 auto; width:10px; height:10px; border-radius:50%; background:var(--bi-ink-3); }
.sk-cov-req .sk-cov-h::before{ background:var(--bi-warn); }
.sk-cov-strong .sk-cov-h::before{ background:var(--bi-accent); }
.sk-cov-list{ display:flex; flex-direction:column; gap:6px; margin:0 0 10px; padding:0; list-style:none; }
.sk-cov-list li{ padding:8px 10px; background:var(--bi-surface); border:1px solid var(--bi-line); border-radius:8px; }
.sk-cov-name{ font-size:14.5px; font-weight:700; color:var(--bi-ink); }
.sk-cov-name a{ color:var(--bi-link); text-decoration:none; }
.sk-cov-name a:hover{ text-decoration:underline; }
.sk-cov-why{ display:block; margin-top:2px; font-size:13px; line-height:1.45; color:var(--bi-ink-2); }
.sk-cov-more{ display:block; margin-top:3px; font-size:12.5px; }
.sk-cov-more a, .sk-calc .sk-more a, .sk-mini-more a{ color:var(--bi-link); }
.sk-cov-mini{ margin:0 0 6px; padding-left:18px; font-size:14px; line-height:1.65; }
.sk-cov-mini a{ font-weight:600; color:var(--bi-link); text-decoration:none; }
.sk-mini-more{ margin:6px 0 0; font-size:13.5px; font-weight:600; }
.sk-calc .sk-more{ margin:8px 0; font-size:14px; }

.sk-status{ margin:0 0 10px; padding:0; list-style:none; }
.sk-status li{ display:flex; align-items:flex-start; gap:10px; padding:6px 0; border-bottom:1px solid var(--bi-line); font-size:14px; line-height:1.45; color:var(--bi-ink); }
.sk-status-mark{ flex:0 0 auto; min-width:46px; padding:1px 6px; border-radius:6px; font-size:11px; font-weight:800; letter-spacing:.04em; text-align:center; text-transform:uppercase; }
.sk-ok .sk-status-mark{ background:var(--bi-good-bg); color:var(--bi-good); }
.sk-no .sk-status-mark{ background:var(--bi-warn-bg); color:var(--bi-warn); }
.sk-na .sk-status-mark{ background:var(--bi-surface-3); color:var(--bi-ink-3); }

.sk-line{ min-width:0; margin:0 0 10px; padding:8px 12px 2px; border:1px solid var(--bi-line); border-radius:10px; background:var(--bi-surface-2); }
.sk-line > legend{ float:none; width:auto; margin:0; padding:0 4px; font-size:14.5px; font-weight:700; color:var(--bi-ink); }
.sk-line-body{ margin-top:6px; }

.sk-calc-grid-table tr.sk-group-row td{ padding-top:10px; background:var(--bi-surface-3); font-size:11.5px; font-weight:700; letter-spacing:.05em; text-transform:uppercase; color:var(--bi-ink-2); }
.sk-calc-grid-table tr.sk-flag-row td{ background:var(--bi-warn-bg); }
.sk-calc-table.sk-wrap th{ width:42%; }
.sk-calc-table.sk-wrap td{ font-weight:500; text-align:left; white-space:normal; overflow-wrap:anywhere; }
.sk-details{ margin:14px 0 0; }
.sk-details > summary{ cursor:pointer; font-size:14.5px; font-weight:700; color:var(--bi-link); }
.sk-details[open] > summary{ margin-bottom:8px; }
.sk-all-states td{ min-width:120px; }
.sk-calc-sources{ margin-top:8px; }
.sk-calc-sources .sk-calc-source{ margin:3px 0 0; }

@media (max-width:860px){
  .sk-calc-grid .sk-calc-form-row.sk-row4, .sk-calc-form-row.sk-row4,
  .sk-calc-grid .sk-calc-form-row.sk-row-claim, .sk-calc-form-row.sk-row-claim{ grid-template-columns:1fr 1fr; }
  .sk-row-claim .sk-check{ grid-column:1 / -1; margin-bottom:0; }
  .sk-in-table tbody th{ min-width:130px; }
}
@media print{
  .sk-tri-opt, .sk-cov-list li, .sk-line{ border-color:#999; background:#fff; }
}

@media (max-width:860px){
  .sk-calc-grid{ grid-template-columns:1fr; }
  .sk-calc{ padding:14px; }
  .sk-calc-grid .sk-calc-form-row, .sk-calc-form-row{ grid-template-columns:1fr 1fr; }
}

@media print{
  #search-header, .custom-sidebar-menu, footer, .ss-crumbs, .sk-live, .sk-calc-actions, .sk-toc, .sk-block, nav{ display:none !important; }
  .sk-calc, .sk-calc-result{ box-shadow:none; border-color:#999; }
}

/* Tools 27-32: the subcontract exhibit, driver and renewal tables, finder. */
.bi-exhibit{ margin:0 0 12px; padding:18px 20px; background:var(--bi-surface); border:1px solid var(--bi-line-2); border-radius:8px; color:var(--bi-ink); font-family:Georgia, "Times New Roman", serif; font-size:14.5px; line-height:1.55; }
.bi-exhibit-kicker{ margin:0; font-family:inherit; font-size:11.5px; font-weight:700; letter-spacing:.12em; text-transform:uppercase; color:var(--bi-ink-3); }
.bi-exhibit-title{ margin:0 0 4px; font-family:inherit; font-size:19px; font-weight:700; color:var(--bi-ink); }
.bi-exhibit-parties{ margin:0 0 10px; font-style:italic; color:var(--bi-ink-2); }
.bi-exhibit-list{ margin:0; padding-left:22px; }
.bi-exhibit-list > li{ margin:0 0 8px; padding-left:2px; }
.bi-exhibit-sub{ margin:6px 0 0; padding-left:0; list-style:none; }
.bi-exhibit-sub > li{ margin:0 0 5px; padding-left:34px; text-indent:-34px; }
.bi-exhibit-sub > li::before{ content:attr(data-n); display:inline-block; width:34px; text-indent:0; font-variant-numeric:tabular-nums; }
.bi-exhibit-actions{ margin:0 0 10px; }
.bi-clause-notes{ margin:0 0 6px; padding-left:20px; font-size:13.5px; line-height:1.5; color:var(--bi-ink-2); }
.bi-clause-notes li{ margin:0 0 5px; }
.bi-clause-notes strong{ color:var(--bi-ink); }
.bi-clause-notes ul{ margin:4px 0 0; padding-left:18px; }
.bi-tag-ok{ background:var(--bi-good-bg); color:var(--bi-good); }
.bi-tag-review{ background:var(--bi-info-bg); color:var(--bi-info); }
.bi-driver-table td{ min-width:76px; }
.bi-driver-table td:first-child{ min-width:130px; }
.bi-driver-table td:nth-child(4){ min-width:44px; text-align:center; }
.bi-renewal-table td:first-child{ white-space:nowrap; font-weight:700; }
.bi-renewal-table td:nth-child(2){ white-space:nowrap; color:var(--bi-ink-2); }
.bi-renewal-table tr.bi-past td{ background:var(--bi-warn-bg); }
.bi-task-list{ margin:4px 0 0; padding-left:18px; }
.bi-task-list li{ margin:0 0 2px; }
.bi-inline-actions{ margin:0 0 6px; }
.bi-steps{ margin:0 0 6px; padding-left:20px; font-size:14px; line-height:1.55; color:var(--bi-ink); }
.bi-steps li{ margin:0 0 4px; }
.bi-steps a, .bi-chip-list a{ color:var(--bi-link); }
.bi-chip-list{ display:flex; flex-wrap:wrap; gap:6px; margin:4px 0 10px; padding:0; list-style:none; }
.bi-chip-list li{ margin:0; padding:2px 10px; border:1px solid var(--bi-line-2); border-radius:999px; background:var(--bi-surface); font-size:13px; }
.bi-chip-list a{ text-decoration:none; }
@media print{
  .bi-exhibit{ border-color:#999; background:#fff; color:#000; }
  /* Print exhibit: only the target node prints (tools.js printOnly). */
  html.bi-print-one body *{ visibility:hidden !important; }
  html.bi-print-one .bi-print-target, html.bi-print-one .bi-print-target *{ visibility:visible !important; }
  html.bi-print-one .bi-print-target{ position:absolute; left:0; top:0; width:100%; margin:0; border:0; padding:0; }
}

/* ---------------------------------------------------------- 3. homepage -- */
.bi-start{ margin:14px 0 8px; padding:18px; background:var(--bi-surface); border:1px solid var(--bi-line); border-radius:var(--radius-lg,16px); box-shadow:var(--bi-shadow); }
.bi-start-grid{ display:grid; grid-template-columns:minmax(0, 7fr) minmax(270px, 4fr); gap:18px; }
.bi-eyebrow{ margin:0 0 2px; font-size:12px; font-weight:800; letter-spacing:.1em; text-transform:uppercase; color:var(--bi-accent); }
.bi-h{ margin:0; font-size:22px; font-weight:800; letter-spacing:-.01em; color:var(--bi-ink); }
.bi-sub{ margin:4px 0 12px; font-size:14px; color:var(--bi-ink-2); }
.bi-mini.sk-calc{ margin:0; padding:14px; background:var(--bi-surface-2); box-shadow:none; }
.bi-mini .sk-calc-grid{ grid-template-columns:minmax(0, 1fr) minmax(0, 1fr); gap:14px; }
.bi-mini .sk-calc-form{ margin:0; }
.bi-mini .sk-calc-grid .sk-calc-form-2{ grid-template-columns:repeat(2, minmax(0, 1fr)); gap:8px 10px; }
.bi-mini .sk-field label{ font-size:13px; }
.bi-mini .sk-calc-result{ background:var(--bi-surface); }
.bi-mini .sk-calc-table{ font-size:13.5px; }
.bi-mini .sk-big-value{ font-size:26px; }
.bi-more{ margin:10px 2px 0; font-size:13.5px; }
.bi-more a, .bi-box-foot a, .bi-all{ font-weight:600; color:var(--bi-link); text-decoration:none; }
.bi-start-side{ display:flex; flex-direction:column; gap:10px; }
.bi-box{ padding:12px; border:1px solid var(--bi-line); border-radius:10px; background:var(--bi-surface-2); }
.bi-box-h{ display:flex; align-items:center; margin:0 0 8px; font-size:14.5px; font-weight:700; color:var(--bi-ink); }
.bi-box-h svg{ width:16px; height:16px; color:var(--bi-accent); }
.bi-box .sk-picker{ max-width:none; }
.bi-finder{ display:flex; gap:8px; }
.bi-finder .form-control{ flex:1 1 auto; min-width:0; }
.bi-box-foot{ margin:8px 0 0; font-size:12.5px; color:var(--bi-ink-3); }
.bi-quick{ display:grid; grid-template-columns:repeat(2, minmax(0, 1fr)); gap:8px; }
.bi-tile{ display:grid; grid-template-columns:30px 1fr; grid-template-rows:auto auto; column-gap:8px; padding:10px; border:1px solid var(--bi-line); border-radius:10px; background:var(--bi-surface); text-decoration:none; color:var(--bi-ink); transition:border-color .15s, transform .15s; }
.bi-tile:hover{ border-color:var(--bi-link); transform:translateY(-1px); }
.bi-tile-icon{ grid-row:1 / 3; display:flex; align-items:center; justify-content:center; width:30px; height:30px; border-radius:8px; background:var(--bi-accent-bg); color:var(--bi-accent); }
.bi-tile-icon svg{ width:16px; height:16px; }
.bi-tile-title{ font-weight:700; font-size:13.5px; line-height:1.3; }
.bi-tile-text{ font-size:12px; color:var(--bi-ink-2); line-height:1.35; }

.bi-stages{ display:flex; flex-wrap:wrap; align-items:center; gap:6px; margin:14px 0 0; padding-top:12px; border-top:1px solid var(--bi-line); }
.bi-stages-label{ margin-right:4px; font-size:12.5px; font-weight:700; letter-spacing:.04em; text-transform:uppercase; color:var(--bi-ink-3); }
.bi-stages a{ padding:4px 11px; border:1px solid var(--bi-line-2); border-radius:999px; background:var(--bi-surface); font-size:13px; font-weight:600; color:var(--bi-ink-2); text-decoration:none; }
.bi-stages a:hover{ border-color:var(--bi-accent); color:var(--bi-accent); }

.bi-section-head{ display:flex; align-items:baseline; justify-content:space-between; gap:10px; flex-wrap:wrap; }
.bi-all{ font-size:13.5px; }
.bi-tabs{ display:none; }
.bi-tabbed .bi-tabs{ display:flex; flex-wrap:wrap; gap:6px; margin:4px 0 12px; }
.bi-tab{ padding:5px 12px; border:1px solid var(--bi-line-2); border-radius:999px; background:var(--bi-surface); font-size:13.5px; font-weight:600; color:var(--bi-ink-2); cursor:pointer; }
.bi-tab:hover{ border-color:var(--bi-link); color:var(--bi-link); }
.bi-tab[aria-selected="true"]{ background:var(--bi-link); border-color:var(--bi-link); color:#fff; }
.bi-panel-h{ margin:14px 2px 8px; font-size:16px; font-weight:700; }
.bi-tabbed .bi-panel-h{ display:none; }

.bi-top td:first-child{ width:40px; text-align:right; color:var(--bi-ink-3); font-variant-numeric:tabular-nums; }
.bi-top td{ white-space:nowrap; }
.bi-top tbody th a{ font-weight:700; }

.bi-state-grid{ display:grid; grid-template-columns:repeat(auto-fill, minmax(150px, 1fr)); gap:6px; margin:0; padding:0; list-style:none; }
.bi-state-grid a{ display:flex; align-items:center; gap:8px; padding:6px 8px; border:1px solid var(--bi-line); border-radius:8px; background:var(--bi-surface); text-decoration:none; color:var(--bi-ink); font-size:13.5px; }
.bi-state-grid a:hover{ border-color:var(--bi-link); color:var(--bi-link); }
.bi-abbr{ flex:0 0 auto; min-width:30px; padding:2px 0; border-radius:5px; background:var(--bi-surface-3); font-size:11.5px; font-weight:800; text-align:center; color:var(--bi-link); }
.bi-state-name{ overflow:hidden; text-overflow:ellipsis; white-space:nowrap; }

.bi-learn{ display:grid; grid-template-columns:repeat(auto-fit, minmax(300px, 1fr)); gap:0 16px; align-items:start; }

.bi-ind-grid{ display:grid; grid-template-columns:repeat(auto-fill, minmax(215px, 1fr)); gap:12px 18px; align-items:start; }
.bi-ind-group{ padding:10px 12px; border:1px solid var(--bi-line); border-radius:10px; background:var(--bi-surface); }
.bi-ind-h{ margin:0 0 6px; font-size:12px; font-weight:800; letter-spacing:.06em; text-transform:uppercase; color:var(--bi-accent); }
.bi-ind-group ul{ margin:0; padding:0; list-style:none; }
.bi-ind-group li{ margin:0; padding:2px 0; font-size:13.5px; line-height:1.35; }
.bi-ind-group a{ color:var(--bi-ink); text-decoration:none; }
.bi-ind-group a:hover{ color:var(--bi-link); text-decoration:underline; }
.bi-insurers .bi-section-head span{ font-size:13.5px; }

@media (max-width:1199.98px){
  .bi-mini .sk-calc-grid{ grid-template-columns:1fr; }
}
@media (max-width:991.98px){
  .bi-start-grid{ grid-template-columns:1fr; }
}
@media (max-width:575.98px){
  .bi-quick{ grid-template-columns:1fr; }
  .bi-start{ padding:12px; }
  .bi-mini .sk-calc-grid .sk-calc-form-2{ grid-template-columns:1fr; }
}

/* --------------------------------------------------------- 4. dark mode -- */
html[data-fs-theme="dark"]{
  --bi-ink:var(--fs-heading,#dde5ef); --bi-ink-2:var(--fs-ink-2,#b4bfcd); --bi-ink-3:var(--fs-ink-3,#8fa2b8);
  --bi-surface:var(--fs-surface,#161d26); --bi-surface-2:var(--fs-surface-2,#1d2631); --bi-surface-3:var(--fs-surface-3,#232e3c);
  --bi-line:var(--fs-line,#232e3b); --bi-line-2:var(--fs-line-2,#2f3c4c);
  --bi-link:var(--fs-link,#79b8ff); --bi-accent:#f0a04b; --bi-accent-bg:rgba(240,160,75,.14);
  --bi-good:#3fbf86; --bi-good-bg:rgba(63,191,134,.12);
  --bi-warn:#e2a53f; --bi-warn-bg:rgba(226,165,63,.12);
  --bi-info:#79b8ff; --bi-info-bg:rgba(121,184,255,.12);
  --bi-bar:#5aa5ef; --bi-bar-2:#3cc7a8;
}
html[data-fs-theme="dark"] .sk-verdict-good{ color:#bfeedb; }
html[data-fs-theme="dark"] .sk-verdict-warn{ color:#f6dcae; }
html[data-fs-theme="dark"] .sk-verdict-info{ color:#cfe3ff; }
html[data-fs-theme="dark"] .form-control, html[data-fs-theme="dark"] .form-select{ background-color:var(--fs-field-bg,#141b24); border-color:var(--fs-line-3,#2a3542); color:var(--bi-ink); }

/* The kit's own blocks (sitekit.css paints these light). */
html[data-fs-theme="dark"] .sk-prose,
html[data-fs-theme="dark"] .sk-facts,
html[data-fs-theme="dark"] .sk-tiers,
html[data-fs-theme="dark"] .sk-terms,
html[data-fs-theme="dark"] .sk-live-list,
html[data-fs-theme="dark"] .sk-cols,
html[data-fs-theme="dark"] .sk-answer{ background:var(--bi-surface); border-color:var(--bi-line); color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-prose h2, html[data-fs-theme="dark"] .sk-prose h3,
html[data-fs-theme="dark"] .sk-answer-title a, html[data-fs-theme="dark"] .sk-summary{ color:var(--bi-ink); }
html[data-fs-theme="dark"] .sk-prose a, html[data-fs-theme="dark"] .sk-facts a, html[data-fs-theme="dark"] .sk-live-list a,
html[data-fs-theme="dark"] .sk-term-row dt a, html[data-fs-theme="dark"] .sk-facts-list tbody th a{ color:var(--bi-link); }
html[data-fs-theme="dark"] .sk-prose code{ background:var(--bi-surface-3); color:var(--bi-ink); }
html[data-fs-theme="dark"] .sk-prose th, html[data-fs-theme="dark"] .sk-prose td,
html[data-fs-theme="dark"] .sk-facts th, html[data-fs-theme="dark"] .sk-facts td,
html[data-fs-theme="dark"] .sk-live-list li, html[data-fs-theme="dark"] .sk-term-row{ border-color:var(--bi-line); }
html[data-fs-theme="dark"] .sk-facts tbody th, html[data-fs-theme="dark"] .sk-term-row dd{ color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-facts thead th{ background:var(--bi-surface-2); }
html[data-fs-theme="dark"] .sk-toc, html[data-fs-theme="dark"] .sk-callout{ background:var(--bi-surface-2); border-color:var(--bi-line); color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-az a{ background:var(--bi-surface-2); border-color:var(--bi-line); color:var(--bi-link); }
html[data-fs-theme="dark"] .sk-in-affix{ background:var(--bi-surface-3); border-color:var(--bi-line-2); color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-prose blockquote{ color:var(--bi-ink-2); }

/* Business tools (section 2). */
html[data-fs-theme="dark"] .sk-tri-opt, html[data-fs-theme="dark"] .sk-cov-list li{ background:var(--bi-surface-2); border-color:var(--bi-line-2); color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-tri-opt:has(input:checked){ background:var(--bi-accent-bg); border-color:var(--bi-accent); color:var(--bi-ink); }
html[data-fs-theme="dark"] .sk-line{ background:var(--bi-surface); border-color:var(--bi-line-2); }
html[data-fs-theme="dark"] .sk-in-table th, html[data-fs-theme="dark"] .sk-in-table td, html[data-fs-theme="dark"] .sk-status li{ border-color:var(--bi-line); }
html[data-fs-theme="dark"] .sk-calc-grid-table tr.sk-group-row td{ background:var(--bi-surface-3); color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-calc-grid-table tr.sk-flag-row td{ background:var(--bi-warn-bg); }
html[data-fs-theme="dark"] .sk-tag, html[data-fs-theme="dark"] .sk-no .sk-status-mark{ background:var(--bi-warn-bg); color:#f6dcae; }
html[data-fs-theme="dark"] .sk-ask{ background:var(--bi-info-bg); color:#cfe3ff; }
html[data-fs-theme="dark"] .sk-ok .sk-status-mark{ background:var(--bi-good-bg); color:#bfeedb; }
html[data-fs-theme="dark"] .sk-na .sk-status-mark{ background:var(--bi-surface-3); color:var(--bi-ink-2); }
html[data-fs-theme="dark"] .sk-calc .form-check-input:not(:checked){ background-color:var(--fs-field-bg,#141b24); border-color:var(--bi-ink-3); }
html[data-fs-theme="dark"] .bi-exhibit, html[data-fs-theme="dark"] .bi-chip-list li{ background:var(--bi-surface); border-color:var(--bi-line-2); color:var(--bi-ink); }
html[data-fs-theme="dark"] .bi-tag-ok{ background:var(--bi-good-bg); color:#bfeedb; }
html[data-fs-theme="dark"] .bi-tag-review{ background:var(--bi-info-bg); color:#cfe3ff; }
html[data-fs-theme="dark"] .bi-renewal-table tr.bi-past td{ background:var(--bi-warn-bg); }

/* ------------------------------------------------------ 5. footer note -- */
.bi-ft-about{ min-width:0; }
.bi-ft-note{ max-width:36rem; }
.bi-ft-note p{ margin:0 0 .5rem; font-size:.8125rem; line-height:1.5; opacity:.85; }
.bi-ft-note a{ color:inherit; text-decoration:underline; }