/* Lafayette Underwriting Cover Letter Guide — scoped styles */

.lug {
	--navy: #1a2a44;
	--navy-soft: #24365a;
	--gold: #b0893e;
	--gold-soft: #d8c290;
	--paper: #f4f0e7;
	--ink: #2a2f38;
	--line: #dcd6c8;
	--muted: #6b7280;
	--white: #ffffff;

	max-width: 940px;
	margin: 0 auto;
	color: var(--ink);
	font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
	font-size: 15px;
	line-height: 1.5;
	-webkit-font-smoothing: antialiased;
}
.lug *, .lug *::before, .lug *::after { box-sizing: border-box; }

/* ---- masthead ---- */
.lug-masthead {
	background: var(--navy);
	color: var(--white);
	padding: 34px 36px 30px;
	border-radius: 4px 4px 0 0;
	border-bottom: 3px solid var(--gold);
}
.lug-masthead__eyebrow {
	text-transform: uppercase;
	letter-spacing: .18em;
	font-size: 11px;
	color: var(--gold-soft);
	margin-bottom: 8px;
}
.lug-masthead__title {
	font-family: Georgia, "Times New Roman", serif;
	font-size: 30px;
	line-height: 1.15;
	margin: 0 0 10px;
	color: var(--white);
	font-weight: 700;
}
.lug-masthead__note { margin: 0; color: #c3ccdb; font-size: 14px; max-width: 640px; }

/* ---- panels ---- */
.lug-form { background: var(--white); border: 1px solid var(--line); border-top: 0; }
.lug-panel { padding: 26px 36px; border-bottom: 1px solid var(--line); }
.lug-panel:last-child { border-bottom: 0; }
.lug-panel__head { display: flex; align-items: baseline; gap: 12px; margin-bottom: 6px; }
.lug-panel__num {
	font-family: Georgia, serif;
	font-size: 13px;
	color: var(--gold);
	letter-spacing: .05em;
	font-weight: 700;
}
.lug-panel__head h2 {
	font-family: Georgia, serif;
	font-size: 19px;
	margin: 0;
	color: var(--navy);
	font-weight: 700;
}
.lug-panel__hint { margin: 0 0 16px; color: var(--muted); font-size: 13px; }

/* ---- fields ---- */
.lug-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 24px; margin-top: 14px; }
.lug-grid--2 { grid-template-columns: 1fr 1fr; }
.lug-grid--3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 14px; }
.lug-premexp { border: 1px solid var(--line, #e2ddd2); border-radius: 8px; padding: 12px 14px; margin-top: 12px; }
.lug-premexp legend { padding: 0 6px; }
.lug-field { display: flex; flex-direction: column; gap: 6px; }
.lug-field__label { font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }
.lug input {
	font: inherit;
	padding: 10px 12px;
	border: 1px solid var(--line);
	border-radius: 3px;
	background: #fbfaf6;
	color: var(--ink);
	width: 100%;
	transition: border-color .15s, box-shadow .15s;
}
.lug input:focus {
	outline: none;
	border-color: var(--gold);
	box-shadow: 0 0 0 3px rgba(176, 137, 62, .16);
	background: var(--white);
}
.lug-field--readout { justify-content: flex-end; }
.lug-sourcefield { display: flex; flex-direction: column; gap: 6px; }
.lug-sourcetoggle { display: flex; gap: 6px; }
.lug-sourcetoggle__btn {
	font: inherit; font-size: 11px; padding: 5px 10px; border: 1px solid var(--line);
	border-radius: 3px; background: #fbfaf6; color: var(--muted); cursor: pointer;
	transition: border-color .15s, color .15s, background .15s;
}
.lug-sourcetoggle__btn:hover:not(:disabled) { border-color: var(--gold); color: var(--ink); }
.lug-sourcetoggle__btn[aria-pressed="true"] { border-color: var(--navy); background: var(--paper); color: var(--navy); font-weight: 600; }
.lug-sourcetoggle__btn:disabled { opacity: .55; cursor: not-allowed; }
.lug-readout {
	font-family: Georgia, serif;
	font-size: 24px;
	color: var(--navy);
	font-weight: 700;
	padding: 6px 0;
}

/* ---- income table inputs ---- */
.lug-table-inputs { border: 1px solid var(--line); border-radius: 3px; overflow: hidden; }
.lug-table-inputs__row {
	display: grid;
	grid-template-columns: 2fr 1fr 1fr 1fr;
	gap: 10px;
	align-items: center;
	padding: 8px 12px;
	border-bottom: 1px solid var(--line);
}
.lug-table-inputs__row:last-child { border-bottom: 0; }
.lug-table-inputs__row--head {
	background: var(--navy);
	color: var(--white);
	font-size: 11px;
	text-transform: uppercase;
	letter-spacing: .06em;
}
.lug-table-inputs__row span:first-child { font-size: 13px; }
.lug-table-inputs__row em { color: var(--muted); font-style: italic; font-size: 12px; }
.lug-table-inputs__row--head span:first-child { color: var(--gold-soft); }
.lug-table-inputs input { padding: 7px 9px; text-align: right; font-size: 14px; }

.lug-subtotal {
	display: flex; justify-content: space-between; align-items: baseline;
	margin-top: 16px; padding: 12px 14px;
	background: var(--paper); border: 1px solid var(--line); border-radius: 3px;
}
.lug-subtotal span { font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); }
.lug-subtotal output { font-family: Georgia, serif; font-size: 22px; color: var(--navy); font-weight: 700; }

/* ---- results ---- */
.lug-results {
	background: var(--paper);
	border: 1px solid var(--line);
	border-top: 0;
	padding: 30px 36px 34px;
	border-radius: 0 0 4px 4px;
}
.lug-headline { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 28px; }
.lug-headline__card {
	background: var(--navy);
	color: var(--white);
	padding: 24px 26px;
	border-radius: 4px;
	position: relative;
	overflow: hidden;
}
.lug-headline__card::before {
	content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--gold);
}
.lug-headline__card--premium::before { background: var(--gold-soft); }
.lug-headline__tag {
	font-size: 10.5px; text-transform: uppercase; letter-spacing: .14em; color: var(--gold-soft); margin-bottom: 14px;
}
.lug-headline__method { font-family: Georgia, serif; font-size: 17px; margin-bottom: 4px; color: #eef2f8; }
.lug-headline__figure { font-family: Georgia, serif; font-size: 40px; line-height: 1.05; font-weight: 700; color: var(--white); }
.lug-headline__sub { font-size: 12px; color: #9fb0c8; margin-top: 6px; }

/* ---- ledger tables ---- */
.lug-breakdown { margin-bottom: 14px; border: 1px solid var(--line); border-radius: 3px; background: var(--white); }
.lug-breakdown > summary {
	cursor: pointer; padding: 12px 16px;
	font-size: 13px; text-transform: uppercase; letter-spacing: .06em; color: var(--navy);
	font-weight: 600; list-style: none;
}
.lug-breakdown > summary::-webkit-details-marker { display: none; }
.lug-breakdown > summary::before { content: "▸ "; color: var(--gold); }
.lug-breakdown[open] > summary::before { content: "▾ "; }
.lug-ledger { width: 100%; border-collapse: collapse; }
.lug-ledger th, .lug-ledger td { padding: 10px 16px; border-top: 1px solid var(--line); font-size: 14px; }
.lug-ledger thead th {
	background: #fbfaf6; text-align: left; font-size: 11px; text-transform: uppercase;
	letter-spacing: .05em; color: var(--muted); font-weight: 600;
}
.lug-ledger .lug-r { text-align: right; font-variant-numeric: tabular-nums; }
.lug-ledger td.lug-r, .lug-ledger th.lug-r { font-family: Georgia, serif; }
.lug-check-mark { color: #228b4c; font-weight: 900; margin-right: 4px; }
.lug-ledger tr.lug-ledger__note td { font-size: 11px; font-style: italic; color: var(--muted); padding-top: 2px; border: none; }
.lug-ledger td.lug-ledger__overage { color: #9aa0a6; font-style: italic; }

/* ---- actions ---- */
.lug-actions { margin-top: 24px; text-align: right; }
.lug-btn {
	font: inherit; font-weight: 600; letter-spacing: .03em;
	background: var(--gold); color: var(--white);
	border: 0; padding: 13px 30px; border-radius: 3px; cursor: pointer;
	transition: background .15s, transform .05s;
}
.lug-btn:hover { background: #97742f; }
.lug-btn:active { transform: translateY(1px); }
.lug-btn:focus-visible { outline: 3px solid rgba(176,137,62,.4); outline-offset: 2px; }

/* ---- responsive ---- */
@media (max-width: 720px) {
	.lug-grid, .lug-grid--2, .lug-grid--3, .lug-headline { grid-template-columns: 1fr; }
	.lug-masthead, .lug-panel, .lug-results { padding-left: 20px; padding-right: 20px; }
	.lug-masthead__title { font-size: 24px; }
	.lug-headline__figure { font-size: 32px; }
	.lug-table-inputs__row { grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 6px; }
	.lug-table-inputs__row span:first-child { font-size: 12px; }
}

@media (prefers-reduced-motion: reduce) {
	.lug input, .lug-btn { transition: none; }
}

/* ============ multi-carrier comparison ============ */
.lug-compare-head {
	display: flex; align-items: center; justify-content: space-between;
	flex-wrap: wrap; gap: 14px; margin-bottom: 20px;
}
.lug-compare-head__eyebrow {
	font-size: 11px; text-transform: uppercase; letter-spacing: .12em; color: var(--muted);
}
.lug-compare-head__title { font-family: Georgia, serif; font-size: 22px; margin: 2px 0 0; color: var(--navy); }

.lug-toggle { display: inline-flex; gap: 4px; background: var(--white); padding: 4px; border: 1px solid var(--line); border-radius: 4px; }
.lug-toggle__btn {
	font: inherit; font-size: 13px; border: 0; background: transparent; color: var(--muted);
	padding: 7px 14px; border-radius: 3px; cursor: pointer; transition: background .15s, color .15s;
}
.lug-toggle__btn[aria-pressed="true"] { background: var(--navy); color: var(--white); }

.lug-columns { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }

.lug-col {
	background: var(--white); border: 1px solid var(--line); border-radius: 6px;
	padding: 18px; display: flex; flex-direction: column; gap: 14px;
}
.lug-col--top { border: 2px solid var(--gold); }
.lug-col--sel { border: 2px solid var(--navy); box-shadow: 0 0 0 3px rgba(26,42,68,.08); }
.lug-col__head { display: flex; align-items: center; justify-content: space-between; min-height: 22px; }
.lug-col__rank { font-size: 11px; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.lug-col__badge {
	font-size: 10.5px; background: var(--paper); color: #8a6a24;
	padding: 3px 9px; border-radius: 3px; font-weight: 600;
}
.lug-col__name { font-family: Georgia, serif; font-size: 18px; color: var(--navy); font-weight: 700; display: flex; align-items: center; gap: 8px; }
.lug-col__namelink { color: var(--navy); text-decoration: none; border-bottom: 1px solid var(--gold); }
.lug-col__namelink:hover { color: var(--gold); }
.lug-col__beta {
	font-family: -apple-system, sans-serif; font-size: 9.5px; text-transform: uppercase; letter-spacing: .08em;
	background: #f3e6c8; color: #8a6a24; padding: 2px 6px; border-radius: 3px; font-weight: 600;
}
.lug-col__metric { transition: opacity .15s; }
.lug-col__metric--dim { opacity: .45; }
.lug-col__mlabel { font-size: 11px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 2px; }
.lug-col__mvalue { font-family: Georgia, serif; font-size: 26px; font-weight: 700; line-height: 1.05; }
.lug-col__cov .lug-col__mvalue { color: var(--navy); }
.lug-col__prem .lug-col__mvalue { color: #0f6e56; }
.lug-col__mmethod { font-size: 12px; color: var(--muted); margin-top: 3px; }
.lug-bandgrid { margin-top: 10px; font-size: 12px; }
.lug-bandgrid > summary { cursor: pointer; color: var(--navy); font-weight: 600; font-size: 12px; padding: 4px 0; }
.lug-bandgrid__intro { color: var(--muted); margin: 6px 0; font-size: 11.5px; }
.lug-bandgrid__table { width: 100%; border-collapse: collapse; }
.lug-bandgrid__table th { text-align: left; font-size: 10.5px; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); border-bottom: 1px solid var(--line, #e2ddd2); padding: 4px 6px; }
.lug-bandgrid__table td { padding: 4px 6px; border-bottom: 1px solid #f0ece3; }
.lug-bandgrid__table .lug-r { text-align: right; }
.lug-bandgrid__active { background: #e6f2ee; }
.lug-bandgrid__active td { color: #0f6e56; font-weight: 700; }
.lug-col__movertage { font-size: 12px; color: #9aa0a6; margin-top: 2px; font-style: italic; }

.lug-btn--select { width: 100%; margin-top: auto; }
.lug-btn--select.is-selected { background: var(--navy); }
.lug-btn--select.is-selected:hover { background: #12203a; }
.lug-col__guide {
	display: block; margin-top: 10px; font-size: 11px; line-height: 1.4;
	color: var(--gold); text-decoration: none; word-break: break-word;
}
.lug-col__guide:hover { text-decoration: underline; }
.lug-col__guide--nolink { color: var(--muted); cursor: help; }

.lug-more { margin-top: 16px; border: 1px solid var(--line); border-radius: 4px; background: var(--white); }
.lug-more > summary {
	cursor: pointer; padding: 12px 16px; font-size: 13px; color: var(--navy); font-weight: 600;
	list-style: none;
}
.lug-more > summary::-webkit-details-marker { display: none; }
.lug-more > summary::before { content: "\25B8 "; color: var(--gold); }
.lug-more[open] > summary::before { content: "\25BE "; }
.lug-more__list { padding: 0 12px 12px; display: flex; flex-direction: column; gap: 6px; }
.lug-more__row {
	display: grid; grid-template-columns: auto 1fr auto auto; align-items: center; gap: 12px;
	padding: 10px 12px; background: #fbfaf6; border-radius: 3px;
}
.lug-more__row.is-selected { outline: 2px solid var(--navy); }
.lug-more__rank { font-size: 12px; color: var(--muted); }
.lug-more__name { font-size: 14px; color: var(--navy); font-weight: 600; }
.lug-more__figs { font-size: 12.5px; color: var(--muted); font-variant-numeric: tabular-nums; }
.lug-btn--mini { padding: 6px 14px; font-size: 12px; }

.lug-selection { margin-top: 24px; }
.lug-selection__bar {
	display: flex; align-items: center; justify-content: space-between; gap: 14px;
	padding: 16px 18px; background: var(--navy); border-radius: 6px; margin-bottom: 16px;
}
.lug-selection__label { color: #c3ccdb; font-size: 14px; }
.lug-selection__label strong { color: var(--white); font-family: Georgia, serif; font-size: 16px; }
.lug-selection__bar .lug-btn { margin: 0; }

@media (max-width: 720px) {
	.lug-columns { grid-template-columns: 1fr; }
	.lug-compare-head { flex-direction: column; align-items: stretch; }
	.lug-toggle { width: 100%; }
	.lug-toggle__btn { flex: 1; }
	.lug-more__row { grid-template-columns: auto 1fr; row-gap: 6px; }
	.lug-selection__bar { flex-direction: column; align-items: stretch; }
}

/* ============ soft workflow (due-diligence) ============ */
.lug-flow {
	display: flex; flex-wrap: wrap; gap: 6px; margin: 18px 0 8px;
	background: var(--white); border: 1px solid var(--line); border-radius: 5px; padding: 8px;
}
.lug-flow__step {
	display: inline-flex; align-items: center; gap: 8px; flex: 1; min-width: 120px;
	text-decoration: none; color: var(--muted); font-size: 13px; font-weight: 600;
	padding: 8px 12px; border-radius: 4px; transition: background .15s, color .15s;
}
.lug-flow__step:hover { background: var(--paper); color: var(--navy); }
.lug-flow__step span {
	display: inline-flex; align-items: center; justify-content: center;
	width: 22px; height: 22px; border-radius: 50%; background: var(--navy); color: var(--white);
	font-size: 12px; flex-shrink: 0;
}

.lug-phase { margin-top: 30px; }
.lug-phase__head { display: flex; align-items: baseline; gap: 12px; margin-bottom: 4px; }
.lug-phase__num {
	font-family: Georgia, serif; font-size: 12px; letter-spacing: .06em; text-transform: uppercase;
	color: var(--gold); font-weight: 700;
}
.lug-phase__title { font-family: Georgia, serif; font-size: 24px; color: var(--navy); margin: 0; font-weight: 700; }
.lug-phase__intro { margin: 0 0 16px; color: var(--muted); font-size: 14px; max-width: 640px; }
.lug-phase .lug-panel { border: 1px solid var(--line); border-radius: 5px; margin-bottom: 14px; }
.lug-phase .lug-panel__head h3 { font-family: Georgia, serif; font-size: 17px; color: var(--navy); margin: 0; font-weight: 700; }

.lug-field--full { grid-column: 1 / -1; }
.lug-field textarea, .lug-field select {
	font: inherit; padding: 10px 12px; border: 1px solid var(--line); border-radius: 3px;
	background: #fbfaf6; color: var(--ink); width: 100%; resize: vertical;
}
.lug-field textarea:focus, .lug-field select:focus {
	outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(176,137,62,.16); background: var(--white);
}
.lug-field em { color: var(--muted); font-style: italic; }

.lug-note {
	margin: 14px 0 0; padding: 12px 14px; border-radius: 4px; font-size: 13px; line-height: 1.5;
}
.lug-note--replacement { background: #fbf3e0; border: 1px solid #e6d3a4; color: #7a5f1e; }

.lug-beta-flag {
	margin-top: 16px; padding: 12px 14px; border-radius: 4px; font-size: 13px; line-height: 1.5;
	background: #fbf3e0; border: 1px solid #e6d3a4; color: #7a5f1e;
}

.lug-selection__empty, .lug-docs__locked {
	padding: 22px; text-align: center; color: var(--muted); font-size: 14px;
	background: var(--white); border: 1px dashed var(--line); border-radius: 5px;
}

.lug-docs__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.lug-doc {
	background: var(--white); border: 1px solid var(--line); border-radius: 6px; padding: 18px;
	display: flex; flex-direction: column; gap: 10px;
}
.lug-doc__title { font-family: Georgia, serif; font-size: 17px; color: var(--navy); margin: 0; font-weight: 700; }
.lug-doc__desc { font-size: 13px; color: var(--muted); margin: 0; flex: 1; line-height: 1.5; }
.lug-btn--doc { width: 100%; }

@media (max-width: 720px) {
	.lug-docs__grid { grid-template-columns: 1fr; }
	.lug-flow { flex-direction: column; }
	.lug-flow__step { min-width: 0; }
}

/* ============ annotation icons (i / e) ============ */
.lug-anno {
	display: inline-flex; align-items: center; justify-content: center;
	width: 16px; height: 16px; border-radius: 50%; border: 1px solid currentColor;
	font-size: 10px; font-style: italic; font-family: Georgia, serif; line-height: 1;
	cursor: pointer; padding: 0; margin-left: 4px; vertical-align: middle;
	background: transparent; transition: background .12s, color .12s;
}
.lug-anno--i { color: #185FA5; }
.lug-anno--i:hover { background: #185FA5; color: #fff; }
.lug-anno--e { color: #0f6e56; }
.lug-anno--e:hover { background: #0f6e56; color: #fff; }
.lug-anno:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
.lug-anno-slot { display: inline; }

/* info popover */
.lug-pop {
	position: absolute; z-index: 9999; max-width: 300px;
	background: #fff; border: 1px solid var(--line); border-radius: 6px;
	box-shadow: 0 6px 24px rgba(26,42,68,.18); padding: 14px 16px;
	font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}
.lug-pop__title { font-family: Georgia, serif; font-weight: 700; color: var(--navy); font-size: 15px; margin-bottom: 6px; padding-right: 16px; }
.lug-pop__body { font-size: 13.5px; line-height: 1.55; color: var(--ink); }
.lug-pop__close {
	position: absolute; top: 8px; right: 10px; border: 0; background: transparent;
	font-size: 18px; line-height: 1; color: var(--muted); cursor: pointer; padding: 2px;
}
.lug-pop__close:hover { color: var(--navy); }

/* education drawer */
.lug-drawer-overlay {
	position: fixed; inset: 0; background: rgba(26,42,68,.35); z-index: 10000;
	opacity: 0; pointer-events: none; transition: opacity .2s;
}
.lug-drawer-overlay.is-open { opacity: 1; pointer-events: auto; }
.lug-drawer {
	position: fixed; top: 0; right: 0; height: 100%; width: 400px; max-width: 92vw; z-index: 10001;
	background: #fff; box-shadow: -8px 0 30px rgba(26,42,68,.22);
	transform: translateX(100%); transition: transform .22s ease;
	overflow-y: auto; padding: 0 24px 32px;
	font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}
.lug-drawer.is-open { transform: translateX(0); }
.lug-drawer__head {
	position: sticky; top: 0; background: #fff; display: flex; align-items: center; justify-content: space-between;
	padding: 16px 0 10px; border-bottom: 1px solid var(--line); margin-bottom: 14px;
}
.lug-drawer__tag {
	font-size: 10.5px; text-transform: uppercase; letter-spacing: .1em; font-weight: 700;
	color: #0f6e56; background: #e6f2ee; padding: 4px 9px; border-radius: 3px;
}
.lug-drawer__close { border: 0; background: transparent; font-size: 24px; line-height: 1; color: var(--muted); cursor: pointer; }
.lug-drawer__close:hover { color: var(--navy); }
.lug-drawer__title { font-family: Georgia, serif; font-size: 22px; color: var(--navy); margin: 0 0 10px; }
.lug-drawer__draft {
	font-size: 12px; background: #fbf3e0; border: 1px solid #e6d3a4; color: #7a5f1e;
	padding: 8px 10px; border-radius: 4px; margin-bottom: 14px;
}
.lug-drawer__h {
	font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--gold);
	margin: 18px 0 6px; font-weight: 700;
}
.lug-drawer__list { margin: 0; padding-left: 18px; }
.lug-drawer__list li { font-size: 13.5px; line-height: 1.55; color: var(--ink); margin-bottom: 6px; }
.lug-drawer__p { font-size: 13.5px; line-height: 1.6; color: var(--ink); margin: 0; }
.lug-drawer__chips { display: flex; flex-wrap: wrap; gap: 6px; }
.lug-drawer__chip {
	font-size: 12px; background: var(--paper); color: var(--navy);
	padding: 4px 10px; border-radius: 12px; border: 1px solid var(--line);
}

@media (max-width: 720px) {
	.lug-drawer { width: 100%; }
}

/* ============ document preview modal ============ */
.lug-pv-overlay {
	position: fixed; inset: 0; z-index: 10050; background: rgba(26,42,68,.45);
	display: flex; align-items: center; justify-content: center; padding: 24px;
}
.lug-pv {
	background: #fff; border-radius: 8px; width: 720px; max-width: 100%;
	max-height: 90vh; display: flex; flex-direction: column; overflow: hidden;
	box-shadow: 0 20px 60px rgba(26,42,68,.35);
	font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}
.lug-pv__bar {
	display: flex; align-items: center; justify-content: space-between;
	padding: 14px 20px; background: var(--navy); color: #fff; flex-shrink: 0;
}
.lug-pv__bartitle { font-size: 14px; font-weight: 600; letter-spacing: .02em; }
.lug-pv__x { border: 0; background: transparent; color: #fff; font-size: 22px; line-height: 1; cursor: pointer; padding: 0 4px; }
.lug-pv__x:hover { color: var(--gold-soft); }

.lug-pv__check {
	background: #fbf3e0; border-bottom: 1px solid #e6d3a4; color: #7a5f1e;
	padding: 12px 20px; font-size: 13px; flex-shrink: 0;
}
.lug-pv__check--ok { background: #e6f2ee; border-bottom-color: #b6dccb; color: #0f6e56; }
.lug-pv__checkhead { font-weight: 600; margin-bottom: 4px; }
.lug-pv__check ul { margin: 0; padding-left: 18px; }
.lug-pv__check li { margin: 2px 0; }
.lug-pv__issue--beta { color: #8a6a24; font-weight: 600; }

.lug-pv__scroll { overflow-y: auto; padding: 22px; background: #eef0f2; flex: 1; }
.lug-pv__doc {
	background: #fff; border: 1px solid var(--line); border-radius: 4px;
	padding: 28px 30px; max-width: 612px; margin: 0 auto;
	box-shadow: 0 2px 10px rgba(0,0,0,.06);
}
.lug-pv__head { border-bottom: 2px solid var(--navy); padding-bottom: 12px; margin-bottom: 16px; }
.lug-pv__title { font-family: Georgia, serif; font-size: 22px; color: var(--navy); font-weight: 700; }
.lug-pv__sub { font-size: 12px; color: var(--gold); margin-top: 3px; font-weight: 600; }
.lug-pv__meta { font-size: 12px; color: var(--muted); margin-top: 8px; }
.lug-pv__metagroup { margin-bottom: 8px; line-height: 1.5; }
.lug-pv__insured-details { display: block; margin: 2px 0 0 14px; font-size: 11px; color: var(--muted); }
.lug-pv__metagroup:last-child { margin-bottom: 0; }
.lug-pv__note { font-size: 12.5px; color: var(--navy); font-weight: 600; margin: 0 0 12px; }
.lug-pv__foot { font-size: 11.5px; color: var(--muted); margin: 14px 0 0; line-height: 1.5; }

.lug-pv__table { width: 100%; border-collapse: collapse; margin: 8px 0; font-size: 12.5px; }
.lug-pv__table th { background: var(--navy); color: #fff; text-align: left; padding: 7px 9px; font-size: 11px; }
.lug-pv__totalrow td { font-weight: 700; border-top: 2px solid var(--navy); }
.lug-pv__table td { padding: 7px 9px; border: 1px solid var(--line); }
.lug-pv__sublabel { display: block; margin-top: 3px; margin-left: 14px; font-size: 10.5px; color: var(--muted); font-weight: 400; line-height: 1.5; }
.lug-pv__sibline { font-size: 12.5px; color: var(--ink); margin: 0 0 12px; }
.lug-pv__carriers { list-style: none; margin: 6px 0 14px; padding: 0; }
.lug-pv__carrier { font-size: 12.5px; color: var(--muted); padding: 2px 0; }
.lug-pv__carrier--on { color: var(--navy); font-weight: 600; }
.lug-pv__table .lug-r { text-align: right; font-variant-numeric: tabular-nums; }
.lug-pv__table tr.lug-hi td { font-weight: 700; color: var(--navy); }
.lug-pv__table--facts td { border: 0; border-bottom: 1px solid var(--line); padding: 9px; }
.lug-pv__factlabel { font-weight: 700; color: var(--navy); width: 45%; }

.lug-pv__headline { display: flex; gap: 12px; margin: 8px 0 14px; }
.lug-pv__hcell { flex: 1; background: var(--paper); border-radius: 4px; padding: 12px 14px; }
.lug-pv__hcell span { display: block; font-size: 9.5px; text-transform: uppercase; letter-spacing: .08em; color: var(--gold); font-weight: 700; }
.lug-pv__hcell strong { display: block; font-family: Georgia, serif; font-size: 14px; color: var(--navy); margin: 4px 0 2px; }
.lug-pv__hcell em { display: block; font-family: Georgia, serif; font-size: 18px; font-style: normal; font-weight: 700; color: var(--navy); }
.lug-pv__hexpl { font-size: 11px; line-height: 1.45; color: var(--muted); margin: 8px 0 0; }
.lug-pv__hoverage { font-size: 12px; font-style: italic; color: #9aa0a6; margin: 4px 0 0; }
.lug-pv__note { font-size: 11.5px; font-style: italic; color: var(--muted); margin: 6px 0 14px; }
.lug-pv__expl { margin: 6px 0 14px; }
.lug-pv__expl p { font-size: 12.5px; line-height: 1.55; color: var(--ink); margin: 0 0 8px; }
.lug-pv__flags { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 14px; }
.lug-pv__flag {
	display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 700; letter-spacing: .04em;
	padding: 4px 10px; border-radius: 3px; background: var(--paper); color: var(--muted);
	border: 1px solid var(--line);
}
.lug-pv__flag--on { color: var(--navy); border-color: #b7dcc4; background: #eef8f1; }
.lug-pv__flagcheck { color: #228b4c; font-weight: 900; }
.lug-pv__flagx { color: #b0b0b0; font-weight: 900; }
.lug-pv__override { background: var(--paper); border-radius: 4px; padding: 14px 16px; margin: 0 0 14px; }
.lug-pv__overhead { font-size: 9.5px; text-transform: uppercase; letter-spacing: .08em; color: var(--gold); font-weight: 700; }
.lug-pv__overmain { font-family: Georgia, serif; font-size: 20px; font-weight: 700; color: var(--navy); margin: 4px 0 4px; }
.lug-pv__overmain span { font-size: 13px; color: var(--muted); font-weight: 400; }
.lug-pv__oversub { font-size: 12.5px; color: var(--ink); margin-bottom: 4px; }
.lug-pv__overreason { font-size: 12.5px; color: var(--muted); margin-top: 4px; }
.lug-pv__overnote { font-size: 11px; color: var(--muted); line-height: 1.45; }
.lug-pv__h { font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--gold); margin: 16px 0 6px; }
.lug-pv__p { font-size: 12.5px; line-height: 1.6; color: var(--ink); margin: 0; }

.lug-pv__actions {
	display: flex; justify-content: flex-end; gap: 10px;
	padding: 14px 20px; border-top: 1px solid var(--line); background: #fff; flex-shrink: 0;
}
.lug-btn--ghost { background: transparent; color: var(--navy); border: 1px solid var(--line); }
.lug-btn--ghost:hover { background: var(--paper); }

@media (max-width: 720px) {
	.lug-pv__headline { flex-direction: column; }
	.lug-pv-overlay { padding: 0; }
	.lug-pv { border-radius: 0; max-height: 100vh; height: 100%; }
}

/* ============ coverage type selector ============ */
.lug-typeselect { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.lug-type {
	text-align: left; background: var(--white); border: 2px solid var(--line);
	border-radius: 6px; padding: 14px; cursor: pointer; transition: border-color .15s, background .15s;
	display: flex; flex-direction: column; gap: 4px;
}
.lug-type:hover { border-color: var(--gold); }
.lug-type[aria-pressed="true"] { border-color: var(--navy); background: var(--paper); }
.lug-type__name { font-family: Georgia, serif; font-size: 16px; font-weight: 700; color: var(--navy); }
.lug-type__desc { font-size: 12px; color: var(--muted); line-height: 1.35; }

.lug-field--check { justify-content: flex-end; }
.lug-switch { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; color: var(--ink); cursor: pointer; }
.lug-switch input { width: 16px; height: 16px; }
.lug-checkrow { display: flex; flex-wrap: wrap; gap: 18px 28px; margin-top: 4px; }
.lug-check { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; color: var(--ink); cursor: pointer; }
.lug-check input { width: 16px; height: 16px; }
.lug-note--override { background: #fbf3e0; border: 1px solid #e6d3a4; color: #7a5f1e; }
.lug-note--override.lug-note--error { background: #fbe3e0; border-color: #e6a8a4; color: #8a2e26; }

@media (max-width: 720px) {
	.lug-typeselect { grid-template-columns: 1fr 1fr; }
}