/* Hercules Life Insurance: layered cut-paper roundel look. Flat unmixed colours; depth comes only from overlap and offset sheets. */
@font-face{font-family:"Fredoka";src:url(/assets/font-wltfbl4i-fredoka-500.woff2) format("woff2");font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:"Fredoka";src:url(/assets/font-wltfbl4i-fredoka-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/font-wltfbl4i-atkinson-hyperlegible-400.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Atkinson Hyperlegible";src:url(/assets/font-wltfbl4i-atkinson-hyperlegible-700.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}

:root{
  --ink:#16132B;--paper:#F6F7FB;--white:#fff;
  --blue:#1A3AA8;--red:#C8261B;--green:#12793F;--yellow:#FFC400;--pale:#FFF1B8;--azure:#9AD7F2;--ink-2:#3B3858;
  --head:"Fredoka","Trebuchet MS",sans-serif;--body:"Atkinson Hyperlegible",Verdana,sans-serif;
  --measure:68ch;--maxw:1180px;--cut:3px solid var(--ink);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.65 var(--body);overflow-x:hidden}
::selection{background:var(--yellow);color:var(--ink)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-underline-offset:.2em;text-decoration-thickness:2px}
a:hover{color:var(--red)}
:focus-visible{outline:4px solid var(--red);outline-offset:3px}
.spiky-wx :focus-visible,.spiky-hero :focus-visible,.spiky-why :focus-visible,.spiky-foot :focus-visible,.spiky-section--deep :focus-visible{outline-color:var(--yellow)}
h1,h2,h3{font-family:var(--head);font-weight:700;line-height:1.1;margin:0 0 .55em;text-wrap:balance;letter-spacing:0}
h1{font-size:clamp(2.2rem,5vw,3.8rem)}
h2{font-size:clamp(1.8rem,3.8vw,2.8rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em;max-width:var(--measure)}
.spiky-wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:20px}
.spiky-skip{position:absolute;left:12px;top:-70px;background:var(--yellow);color:var(--ink);padding:.7rem 1rem;font-weight:700;z-index:99;border:var(--cut)}
.spiky-skip:focus{top:8px}

/* stacking so each sheet's cut edge lies over the next */
main>section{position:relative}
main>section:nth-of-type(1){z-index:9}main>section:nth-of-type(2){z-index:8}main>section:nth-of-type(3){z-index:7}
main>section:nth-of-type(4){z-index:6}main>section:nth-of-type(5){z-index:5}main>section:nth-of-type(6){z-index:4}main>section:nth-of-type(7){z-index:3}

/* header: a white sheet with an ink cut line */
.spiky-head{position:sticky;top:0;z-index:30;background:var(--white);border-bottom:var(--cut)}
.spiky-nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:68px}
.spiky-brand{display:inline-flex;align-items:center;gap:.65rem;font:700 1.3rem/1.1 var(--head);color:var(--ink);text-decoration:none;min-height:48px}
.spiky-brand img{width:36px;height:36px;flex:none}
.spiky-brand:hover{color:var(--red)}
.spiky-links{display:flex;flex-wrap:wrap;align-items:center;gap:.35rem}
.spiky-links a{display:inline-flex;align-items:center;min-height:46px;padding:0 1rem;font:500 1.08rem var(--head);color:var(--ink);text-decoration:none;border:3px solid transparent;border-radius:8px}
.spiky-links a:hover{background:var(--yellow);border-color:var(--ink);color:var(--ink);box-shadow:3px 3px 0 var(--ink)}
.spiky-links a.spiky-cta{background:var(--red);color:var(--white)!important;border-color:var(--ink);box-shadow:4px 4px 0 var(--ink);padding:0 1.15rem}
.spiky-links a.spiky-cta:hover{background:var(--yellow);color:var(--ink)!important;box-shadow:4px 4px 0 var(--red)}
.spiky-menu{display:none;align-items:center;justify-content:center;min-width:48px;min-height:48px;background:var(--yellow);border:var(--cut);border-radius:8px;color:var(--ink);box-shadow:3px 3px 0 var(--ink);cursor:pointer}
.spiky-menu[aria-expanded=true]{background:var(--red);color:var(--white)}
@media (max-width:820px){
  .spiky-menu{display:inline-flex}
  .spiky-links{display:none;position:absolute;left:12px;right:12px;top:calc(100% + 10px);background:var(--white);border:var(--cut);border-radius:10px;box-shadow:6px 6px 0 var(--yellow),12px 12px 0 var(--red);flex-direction:column;align-items:stretch;padding:.8rem;gap:.4rem}
  .spiky-links[data-open]{display:flex}
  .spiky-links a{min-height:50px}
}

/* weather strip: an ink sheet carrying yellow paper chips */
.spiky-wx{background:var(--ink);color:var(--white)}
.spiky-wx-row{display:flex;flex-wrap:wrap;align-items:center;gap:.8rem 1.4rem;padding-block:.8rem}
.spiky-wx-photo{display:inline-flex;align-items:center;gap:.7rem;background:none;border:0;padding:0;color:var(--white);font:inherit;cursor:pointer;min-height:48px}
.spiky-wx-photo img{width:52px;height:52px;border-radius:50%;object-fit:cover;border:3px solid var(--yellow)}
.spiky-wx-photo span{font:500 .95rem var(--head);letter-spacing:.06em;text-transform:uppercase;border:2px solid var(--white);border-radius:8px;padding:.35rem .75rem;min-height:36px;display:inline-flex;align-items:center}
.spiky-wx-photo:hover span,.spiky-wx-photo[aria-expanded=true] span{background:var(--yellow);border-color:var(--yellow);color:var(--ink)}
.spiky-wx-now{display:flex;align-items:center;gap:.7rem}
.spiky-wx-icon{display:inline-flex;color:var(--yellow)}
.spiky-wx-now strong{font:700 2.1rem/1 var(--head);color:var(--yellow);margin-right:.5rem}
.spiky-wx-now span{font-size:1rem;color:var(--white)}
.spiky-wx-now small{display:block;font-size:.88rem;color:#D9D6EE}
.spiky-wx-days{display:flex;flex-wrap:wrap;gap:.6rem;list-style:none;margin:0;padding:0}
.spiky-wx-days li{display:grid;grid-template-columns:auto auto;grid-template-rows:auto auto;column-gap:.6rem;align-items:center;background:var(--yellow);color:var(--ink);border-radius:8px;padding:.35rem .7rem;font-size:.9rem;min-width:126px;box-shadow:3px 3px 0 var(--red)}
.spiky-wx-day{font:700 .95rem var(--head);grid-column:1}
.spiky-wx-glyph{grid-row:1/3;grid-column:2;color:var(--ink)}.spiky-wx-glyph svg{width:24px;height:24px}
.spiky-wx-hl{grid-column:1}.spiky-wx-hl strong{font:700 1rem var(--head)}.spiky-wx-hl em{font-style:normal;color:#3B3858;margin-left:.35rem}
.spiky-wx-cond{grid-column:1/3;font-size:.8rem;color:var(--ink);max-width:150px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.spiky-wx-source{margin-left:auto;font-size:.85rem;color:#D9D6EE}
.spiky-wx-panel{padding-bottom:1rem}.spiky-wx-panel img{border-radius:8px;max-width:600px;width:100%;background:var(--ink-2);border:3px solid var(--yellow)}.spiky-wx-panel p{font-size:.9rem;color:#D9D6EE;margin:.5rem 0 0}
@media (max-width:700px){.spiky-wx-source{margin-left:0;width:100%}.spiky-wx-now strong{font-size:1.8rem}}

/* captions (the former eyebrows): small cut-paper tag lines, never above a headline */
.spiky-eyebrow{display:flex;align-items:center;gap:.6rem;font:500 1rem/1.3 var(--head);letter-spacing:.04em;color:var(--ink-2);margin:0 0 1.1rem}
.spiky-eyebrow::before{content:"";flex:none;width:.9rem;height:.9rem;background:var(--red);clip-path:polygon(50% 0,100% 50%,50% 100%,0 50%)}
h1+.spiky-eyebrow,h2+.spiky-eyebrow{margin-top:-.2rem}

/* edge pattern: each sheet ends in scallops, the next sheet's colour peeks out beneath */
.spiky-hero::after,.spiky-how::after,.spiky-panel::after,.spiky-why::after,.spiky-totem::after{content:"";position:absolute;left:0;right:0;top:calc(100% - 1px);height:20px;background:radial-gradient(circle at 20px 0,var(--e1) 19.5px,transparent 20px) 0 0/40px 20px repeat-x;pointer-events:none}
.spiky-hero::before,.spiky-how::before,.spiky-panel::before,.spiky-why::before,.spiky-totem::before{content:"";position:absolute;left:0;right:0;top:calc(100% - 1px);height:32px;background:radial-gradient(circle at 32px 0,var(--e2) 31.5px,transparent 32px) 10px 0/64px 32px repeat-x;z-index:-1;pointer-events:none}

/* hero: blue sheet, the roundel pasted on it */
.spiky-hero{--e1:var(--blue);--e2:var(--red);background:var(--blue);color:var(--white);padding:clamp(2rem,4.5vw,4rem) 0 clamp(4rem,7vw,6.5rem)}
.spiky-hero-grid{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:2rem clamp(1.5rem,4vw,4rem);align-items:center}
.spiky-hero h1{color:var(--white);font-size:clamp(2.5rem,5.8vw,4.8rem);line-height:1.04;max-width:15ch}
.spiky-hero .spiky-eyebrow{color:var(--yellow);font-size:1.1rem}
.spiky-hero .spiky-eyebrow::before{background:var(--yellow)}
.spiky-lead{font-size:1.22rem;line-height:1.55;max-width:56ch}
.spiky-hero .spiky-lead{color:var(--white)}
.spiky-trust{list-style:none;margin:1.1rem 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:.55rem 1.4rem;font-size:1.02rem}
.spiky-trust li{display:flex;gap:.6rem;align-items:flex-start}
.spiky-trust li::before{content:"";flex:none;width:.8rem;height:.8rem;margin-top:.45rem;background:var(--yellow);clip-path:polygon(50% 0,100% 50%,50% 100%,0 50%)}
.spiky-acts{display:flex;flex-wrap:wrap;gap:.9rem;margin:1.6rem 0 0!important}
.spiky-roundel{justify-self:center;width:min(100%,540px)}
.spiky-roundel svg{width:100%;height:auto;display:block}
.spiky-roundel .rl{transform-box:fill-box;transform-origin:50% 50%;animation:settle .8s cubic-bezier(.2,.75,.25,1) both}
.spiky-roundel .rl2{animation-delay:.1s}.spiky-roundel .rl3{animation-delay:.2s}.spiky-roundel .rl4{animation-delay:.3s}.spiky-roundel .rl5{animation-delay:.4s}.spiky-roundel .rl6{animation-delay:.5s}.spiky-roundel .rl7{animation-delay:.6s}.spiky-roundel .rl8{animation-delay:.7s}.spiky-roundel .rl9{animation-delay:.8s}
@keyframes settle{from{transform:translateY(-16px) scale(1.04);opacity:0}to{transform:none;opacity:1}}
@media (max-width:900px){.spiky-hero-grid{grid-template-columns:1fr}.spiky-roundel{width:min(78%,360px)}.spiky-trust{grid-template-columns:1fr}}

/* buttons are pasted sheets: a flat offset layer underneath, pressing removes it */
.spiky-btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:54px;padding:0 1.5rem;font:700 1.15rem var(--head);text-decoration:none;border:var(--cut);border-radius:10px;cursor:pointer;background:var(--white);color:var(--ink);box-shadow:5px 5px 0 var(--ink);transition:transform .15s,box-shadow .15s}
.spiky-btn:hover{transform:translate(2px,2px);box-shadow:3px 3px 0 var(--ink)}
.spiky-btn:active{transform:translate(5px,5px);box-shadow:0 0 0 var(--ink)}
.spiky-btn--primary{background:var(--red);color:var(--white)}
.spiky-btn--primary:hover{background:var(--red);color:var(--white)}
.spiky-btn--ghost{background:var(--white);color:var(--ink)}
.spiky-btn--ghost:hover{background:var(--pale);color:var(--ink)}
.spiky-btn[disabled]{opacity:1;background:#6B6882;color:var(--white);cursor:progress}
.spiky-hero .spiky-btn{border-color:var(--ink);box-shadow:5px 5px 0 var(--yellow)}
.spiky-hero .spiky-btn--primary{background:var(--yellow);color:var(--ink);box-shadow:5px 5px 0 var(--red)}
.spiky-hero .spiky-btn--primary:hover{background:var(--yellow);color:var(--ink)}
.spiky-hero .spiky-btn--ghost:hover{background:var(--azure)}

/* rates: a white sheet on two offset colour sheets */
.spiky-totem{--e1:var(--paper);--e2:var(--yellow);background:var(--paper);padding:5.5rem 0 5rem}
.spiky-totem .spiky-wrap{position:relative}
.spiky-totem h2{max-width:22ch}
.spiky-totem p{max-width:70ch}
.spiky-medal{position:absolute;right:20px;top:-1.6rem;width:150px;pointer-events:none}
.spiky-medal svg{width:100%;height:auto;display:block}
@media (max-width:900px){.spiky-medal{width:90px;top:-2.8rem}}
.spiky-table-wrap{margin-top:1.6rem;background:var(--white);border:var(--cut);border-radius:10px;box-shadow:8px 8px 0 var(--blue),16px 16px 0 var(--red);overflow-x:auto;margin-bottom:20px}
.spiky-table{width:100%;border-collapse:collapse;font-size:1rem}
.spiky-table th,.spiky-table td{padding:.8rem 1rem;text-align:left;border-bottom:2px dashed var(--ink)}
.spiky-table th{background:var(--blue);color:var(--white);font:500 .95rem/1.2 var(--head);letter-spacing:.05em;text-transform:uppercase;border-bottom:var(--cut);vertical-align:bottom}
.spiky-table tbody tr:nth-child(even){background:var(--pale)}
.spiky-table tbody tr:last-child td{border-bottom:0}
.spiky-table td{font:700 clamp(1.1rem,2.4vw,1.5rem)/1.2 var(--head);white-space:nowrap}
.spiky-table td:first-child{font-size:1.1rem;color:var(--ink)}
.spiky-table td:nth-child(2){color:var(--red)}
.spiky-table td:nth-child(3){color:var(--blue)}
.spiky-table td:nth-child(4){color:var(--green)}

/* sections */
.spiky-section{padding:3.4rem 0}
.spiky-section--soft{background:var(--azure);border-bottom:var(--cut)}
.spiky-section--deep{background:var(--ink);color:var(--white)}
.spiky-section--deep h2,.spiky-section--deep h3,.spiky-section--deep p{color:var(--white)}
.spiky-section--deep a{color:var(--yellow)}.spiky-section--deep a:hover{color:var(--white)}
.spiky-sec{padding:5.5rem 0 5rem}
.spiky-cols{display:grid;gap:1.6rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.spiky-card{background:var(--white);border:var(--cut);border-radius:10px;padding:1.4rem;box-shadow:6px 6px 0 var(--yellow)}
.spiky-card h3{margin-top:0}
.spiky-card p:last-child{margin-bottom:0}

/* how it works: three differently coloured sheets, each numbered by a pasted roundel */
.spiky-how{--e1:var(--yellow);--e2:var(--green);background:var(--yellow)}
.spiky-how h2{max-width:20ch}
.spiky-how .spiky-eyebrow{color:var(--ink)}
.spiky-how .spiky-eyebrow::before{background:var(--red)}
.spiky-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.8rem;margin-top:2rem}
.spiky-steps .spiky-card{color:var(--white);box-shadow:7px 7px 0 var(--ink);padding:1.5rem 1.5rem 1.7rem;position:relative}
.spiky-steps .spiky-card:nth-child(1){background:var(--red)}
.spiky-steps .spiky-card:nth-child(2){background:var(--green)}
.spiky-steps .spiky-card:nth-child(3){background:var(--blue)}
.spiky-steps h3{font-size:1.6rem;color:var(--white)}
.spiky-steps p{color:var(--white);max-width:40ch}
.spiky-num{display:inline-grid;place-items:center;width:3.4rem;height:3.4rem;border-radius:50%;background:var(--yellow);color:var(--ink);font:700 1.7rem/1 var(--head);margin-bottom:.9rem;box-shadow:0 0 0 4px var(--white),0 0 0 7px var(--ink)}
@media (max-width:900px){.spiky-steps{grid-template-columns:1fr}}

/* quote panel: a white sheet on a light blue sheet */
.spiky-panel{--e1:var(--azure);--e2:var(--blue);background:var(--azure);padding:5.5rem 0 5rem}
.spiky-quote{background:var(--white);border:var(--cut);border-radius:12px;padding:clamp(1.2rem,3vw,2.2rem);box-shadow:8px 8px 0 var(--yellow),16px 16px 0 var(--red);margin-bottom:20px}
.spiky-quote h2{font-size:clamp(1.7rem,3.2vw,2.4rem);max-width:none}
.spiky-fields{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem 1.8rem;margin-top:1.4rem;max-width:920px}
@media (max-width:620px){.spiky-fields{grid-template-columns:1fr}}
.spiky-field{display:flex;flex-direction:column;gap:.45rem;border:0;margin:0;padding:0;min-width:0}
.spiky-field--wide{grid-column:1/-1}
.spiky-field>span{font:500 1.12rem var(--head);color:var(--ink)}
.spiky-field input,.spiky-field select,.spiky-field textarea{font:400 1.0625rem var(--body);min-height:50px;padding:.6rem .85rem;border:var(--cut);border-radius:8px;background:var(--white);color:var(--ink);width:100%}
.spiky-field textarea{min-height:150px}
.spiky-field input:focus,.spiky-field select:focus,.spiky-field textarea:focus{outline:4px solid var(--red);outline-offset:2px;background:var(--pale)}
.spiky-field input[type=date]{accent-color:var(--red)}
.spiky-seg{display:flex;flex-wrap:wrap;gap:.7rem}
.spiky-seg label{position:relative;display:block;border:0;padding:0;border-radius:0;background:none}
.spiky-seg input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.spiky-seg label span{display:flex;align-items:center;min-height:50px;padding:0 1.15rem;border:var(--cut);border-radius:10px;background:var(--white);color:var(--ink);font:500 1.1rem var(--head);box-shadow:3px 3px 0 var(--blue);transition:transform .15s,box-shadow .15s}
.spiky-seg input:hover+span{background:var(--pale)}
.spiky-seg input:checked+span{background:var(--red);color:var(--white);box-shadow:6px 6px 0 var(--ink);transform:translate(-2px,-2px);margin:0;padding:0 1.15rem;border-radius:10px;display:flex}
.spiky-seg label:has(input:checked){background:none;border:0}
.spiky-seg input:focus-visible+span{outline:4px solid var(--blue);outline-offset:3px}
.spiky-note{margin:1.4rem 0 1.2rem;color:var(--ink-2);font-size:1rem;max-width:62ch}
.spiky-status{margin-top:.9rem;min-height:1.5rem;font-size:1rem;font-weight:700}
.spiky-status[data-tone=error]{color:var(--red)}

/* quote results: each carrier is a sheet; the best one lies on two more */
.spiky-results{margin-top:2.2rem}
.spiky-summary{display:flex;flex-wrap:wrap;gap:.4rem 1.4rem;align-items:baseline;margin-bottom:1.2rem;font-size:1.02rem;color:var(--ink)}
.spiky-summary strong{font:700 1.4rem var(--head)}
.spiky-result{display:grid;grid-template-columns:1fr auto;gap:.7rem 1.4rem;align-items:center;background:var(--white);border:var(--cut);border-radius:10px;padding:1.1rem 1.3rem;margin:0 0 1.2rem;box-shadow:5px 5px 0 var(--yellow)}
.spiky-result--best{box-shadow:6px 6px 0 var(--red),12px 12px 0 var(--blue);background:var(--white);border-color:var(--ink)}
.spiky-result strong{font:700 1.2rem var(--head)}
.spiky-result small{display:block;color:var(--ink-2);font-size:.95rem}
.spiky-price{font:700 1.9rem/1 var(--head);text-align:right;color:var(--blue)}
.spiky-price small{display:block;font:500 .9rem var(--body);text-align:right;margin-top:.3rem;color:var(--ink-2)}
.spiky-tags{display:flex;flex-wrap:wrap;gap:.45rem;margin-top:.45rem}
.spiky-tag{font:700 .85rem/1.2 var(--body);padding:.25rem .6rem;border-radius:6px;background:var(--pale);color:var(--ink);border:2px solid var(--ink)}
.spiky-tag--now{background:var(--red);color:var(--white);border-color:var(--ink)}
.spiky-group{font-size:1.4rem;margin:1.8rem 0 .6rem}
.spiky-applicant{margin:.2rem 0 1.2rem}
.spiky-result .spiky-btn{grid-column:1/-1;justify-self:start}
@media (min-width:640px){.spiky-result{grid-template-columns:1fr auto auto}.spiky-result .spiky-btn{grid-column:auto}}
.spiky-disclosure{font-size:.95rem;color:var(--ink-2);border-top:2px dashed var(--ink);padding-top:1rem;margin-top:1.2rem}
details.spiky-more{margin-top:.6rem;font-size:1rem}
details.spiky-more summary{cursor:pointer;color:var(--blue);font-weight:700;min-height:44px;display:flex;align-items:center}

/* no-exam highlight: a pale sheet with a green label sheet */
.spiky-noexam{background:var(--pale);border:var(--cut);border-radius:12px;padding:1.2rem 1.2rem .5rem;margin:0 0 1.6rem;box-shadow:7px 7px 0 var(--green)}
.spiky-group--noexam{display:flex;flex-wrap:wrap;align-items:center;gap:.7rem;margin-top:0;font-size:1.4rem}
.spiky-noexam-badge{display:inline-block;background:var(--green);color:var(--white);font:500 .95rem var(--head);letter-spacing:.06em;text-transform:uppercase;padding:.35rem .8rem;border-radius:6px;border:2px solid var(--ink)}
.spiky-noexam-note{margin-bottom:.9rem;color:var(--ink)}
.spiky-result--noexam{background:var(--white)}
.spiky-tag--noexam{background:var(--green);color:var(--white);border-color:var(--ink)}
.spiky-tag--usually{background:var(--pale);color:var(--ink);border-color:var(--ink)}
.spiky-noexam-note+.spiky-noexam-note{margin-top:1rem;padding-top:.9rem;border-top:2px dashed var(--ink)}

/* why: ink sheet, with the three photos pasted on offset sheets */
.spiky-why{--e1:var(--ink);--e2:var(--red);background:var(--ink);color:var(--white)}
.spiky-why h2,.spiky-why p{color:var(--white)}
.spiky-why .spiky-eyebrow{color:var(--yellow)}
.spiky-why .spiky-eyebrow::before{background:var(--yellow)}
.spiky-why a{color:var(--yellow)}.spiky-why a:hover{color:var(--white)}
.spiky-why .spiky-wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0 clamp(1.5rem,4vw,4rem);align-items:start}
.spiky-why h2,.spiky-why .spiky-eyebrow{grid-column:1/-1}
.spiky-why h2{max-width:22ch}
.spiky-why-text p{font-size:1.1rem;max-width:60ch}
.spiky-hl{grid-column:1/-1;order:3}
.spiky-hl p{font-size:1.05rem;border-top:2px dashed var(--yellow);padding-top:1rem;margin-top:.4rem;max-width:none}
.spiky-mosaic{display:grid;grid-template-columns:1fr 1fr;gap:1.6rem 1.4rem;grid-column:2;grid-row:3/5;margin-bottom:20px}
.spiky-why-text{grid-column:1;grid-row:3}
.spiky-hl{grid-row:5}
.spiky-mosaic a{position:relative;display:block;background:var(--white);border:var(--cut);border-radius:8px;overflow:visible;text-decoration:none;color:var(--ink);box-shadow:6px 6px 0 var(--yellow);transition:transform .15s,box-shadow .15s}
.spiky-mosaic a:nth-child(2){box-shadow:6px 6px 0 var(--red)}
.spiky-mosaic a:nth-child(3){box-shadow:6px 6px 0 var(--blue)}
.spiky-mosaic a:first-child{grid-column:1/-1}
.spiky-mosaic a:hover{transform:translate(-3px,-3px);box-shadow:9px 9px 0 var(--yellow)}
.spiky-mosaic a:nth-child(2):hover{box-shadow:9px 9px 0 var(--red)}.spiky-mosaic a:nth-child(3):hover{box-shadow:9px 9px 0 var(--blue)}
.spiky-mosaic img{width:100%;aspect-ratio:8/5;object-fit:cover;border-radius:5px 5px 0 0;border-bottom:var(--cut)}
.spiky-mosaic a:first-child img{aspect-ratio:16/9}
.spiky-mosaic span{display:block;position:static;padding:.7rem .9rem;background:var(--white);color:var(--ink);font:700 1rem/1.25 var(--head);border-radius:0 0 5px 5px}
.spiky-mosaic a:hover span{background:var(--pale);color:var(--ink)}
@media (max-width:900px){
  .spiky-why .spiky-wrap{grid-template-columns:1fr}
  .spiky-why-text,.spiky-mosaic,.spiky-hl{grid-column:1;grid-row:auto}
  .spiky-mosaic{margin-top:1.6rem}
}

/* learn */
.spiky-learn{padding-bottom:5rem}
.spiky-learn h2{max-width:22ch}
.spiky-sprig{position:absolute;right:20px;top:2.2rem;width:100px;pointer-events:none}
.spiky-sprig svg{width:100%;height:auto;display:block}
@media (max-width:700px){.spiky-sprig{width:64px;top:1.4rem}}
.spiky-learn-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.8rem;margin-top:2rem}
.spiky-learn-list .spiky-card{display:block;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s;margin-bottom:6px}
.spiky-learn-list .spiky-card:nth-child(1){box-shadow:6px 6px 0 var(--red)}
.spiky-learn-list .spiky-card:nth-child(2){box-shadow:6px 6px 0 var(--green)}
.spiky-learn-list .spiky-card:nth-child(3){box-shadow:6px 6px 0 var(--blue)}
.spiky-learn-list .spiky-card:nth-child(4){box-shadow:6px 6px 0 var(--yellow)}
.spiky-learn-list .spiky-card:hover{transform:translate(-3px,-3px);background:var(--pale);color:var(--ink)}
.spiky-learn-list .spiky-card:nth-child(1):hover{box-shadow:10px 10px 0 var(--red)}
.spiky-learn-list .spiky-card:nth-child(2):hover{box-shadow:10px 10px 0 var(--green)}
.spiky-learn-list .spiky-card:nth-child(3):hover{box-shadow:10px 10px 0 var(--blue)}
.spiky-learn-list .spiky-card:nth-child(4):hover{box-shadow:10px 10px 0 var(--yellow)}
.spiky-learn-list .spiky-card h3{color:var(--blue)}
.spiky-learn-list .spiky-card:hover h3{color:var(--red)}

/* inner pages */
.spiky-article{max-width:760px;margin-inline:auto}
.spiky-article h1{margin-bottom:.5em}
.spiky-article h2{margin-top:1.8em;font-size:clamp(1.55rem,3vw,2.1rem)}
.spiky-article figure{margin:0 0 2rem}
.spiky-article figure img{border:var(--cut);border-radius:8px;box-shadow:8px 8px 0 var(--yellow);margin-bottom:12px}
.spiky-article figcaption{font-size:.95rem;color:var(--ink-2);margin-top:.9rem}
.spiky-article li{margin-bottom:.4em}
.spiky-lead{color:var(--ink)}
.spiky-section--soft .spiky-lead{color:var(--ink)}
.spiky-section--soft .spiky-eyebrow{color:var(--ink)}
.spiky-calc{margin:1.8rem 0;box-shadow:8px 8px 0 var(--blue)}
.spiky-calc h2{font-size:1.5rem!important;margin-top:0}
.spiky-calc output{display:block;margin-top:1.1rem;font:700 2.3rem/1.1 var(--head);color:var(--blue)}
.spiky-sources{font-size:1rem;border-top:3px dashed var(--ink);padding-top:1.2rem;margin-top:2.4rem}.spiky-sources ol{padding-left:1.3rem}
.spiky-faq details{background:var(--white);border:var(--cut);border-radius:10px;margin:0 0 1.1rem;padding:.2rem 1.2rem;box-shadow:5px 5px 0 var(--yellow)}
.spiky-faq details:nth-child(3n+2){box-shadow:5px 5px 0 var(--azure)}
.spiky-faq details:nth-child(3n){box-shadow:5px 5px 0 var(--red)}
.spiky-faq details[open]{background:var(--pale);box-shadow:none;margin-left:5px;margin-top:5px;margin-bottom:1.3rem}
.spiky-faq summary{cursor:pointer;font:700 1.2rem/1.3 var(--head);min-height:52px;display:flex;align-items:center;color:var(--ink);padding:.5rem 0}
.spiky-faq summary::marker{color:var(--red)}
.spiky-faq summary:hover{color:var(--blue)}
.spiky-faq details p{margin-top:.2rem}
.spiky-apply-shell{background:var(--white);border:var(--cut);border-radius:10px;padding:1rem;min-height:600px;box-shadow:8px 8px 0 var(--yellow)}
.spiky-apply-shell iframe{width:100%;border:0}

/* footer: a blue sheet with scalloped top over red */
.spiky-foot{position:relative;margin-top:44px;background:var(--blue);color:var(--white);padding:3.2rem 0 2.4rem;font-size:1rem;z-index:2}
.spiky-foot::after{content:"";position:absolute;left:0;right:0;bottom:calc(100% - 1px);height:20px;background:radial-gradient(circle at 20px 20px,var(--blue) 19.5px,transparent 20px) 0 0/40px 20px repeat-x;pointer-events:none}
.spiky-foot::before{content:"";position:absolute;left:0;right:0;bottom:calc(100% - 1px);height:32px;background:radial-gradient(circle at 32px 32px,var(--red) 31.5px,transparent 32px) 10px 0/64px 32px repeat-x;z-index:-1;pointer-events:none}
.spiky-foot-grid{display:grid;gap:1.6rem 2rem;grid-template-columns:2fr 1fr 1fr}
@media (max-width:700px){.spiky-foot-grid{grid-template-columns:1fr}}
.spiky-foot a{color:var(--white);text-underline-offset:.2em}
.spiky-foot a:hover{color:var(--yellow)}
.spiky-foot strong{display:block;font:700 1.15rem var(--head);color:var(--yellow);margin-bottom:.6rem}
.spiky-foot nav a{display:flex;align-items:center;min-height:44px;margin:0}
.spiky-foot .spiky-brand{color:var(--white);font-size:1.3rem}
.spiky-foot .spiky-brand:hover{color:var(--yellow)}
.spiky-foot p{max-width:52ch}
.spiky-foot p[data-copy]{font-size:.95rem!important;color:#E4E2F6;border-top:2px dashed var(--yellow);padding-top:1.1rem;max-width:none}

[data-reveal]{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.spiky-roundel .rl{animation:none}.spiky-btn,.spiky-card,.spiky-mosaic a,.spiky-seg label span{transition:none}}
@media (max-width:520px){.spiky-table th,.spiky-table td{padding:.6rem .45rem}.spiky-table th{font-size:.74rem;letter-spacing:.02em}.spiky-table td{font-size:1.02rem}.spiky-table td:first-child{font-size:.98rem;white-space:normal}.spiky-table-wrap{box-shadow:6px 6px 0 var(--blue),12px 12px 0 var(--red)}}
.spiky-skip:hover{color:var(--ink)}
.spiky-section{padding-inline:8px}