/* a11y-20261030 (manual accessibility pass): skip link, visible focus, scroll padding. Loaded last. */
.skip-link{position:fixed;left:12px;top:12px;z-index:100000;padding:12px 18px;background:#fff;color:#0b2548;border:2px solid #0b2548;border-radius:4px;font:600 16px/1.2 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;text-decoration:none;transform:translateY(-250%)}
.skip-link:focus,.skip-link:focus-visible{transform:none}
/* two-tone ring: dark outer ring reads on light sections, white inner ring reads on dark sections */
html body :focus-visible{outline:3px solid #0b2548 !important;outline-offset:2px !important;box-shadow:0 0 0 2px #fff !important}
html body main[tabindex="-1"]:focus,html body main[tabindex="-1"]:focus-visible,html body [id="main-content"][tabindex="-1"]:focus,html body [id="main-content"][tabindex="-1"]:focus-visible,html body [id="main"][tabindex="-1"]:focus,html body [id="main"][tabindex="-1"]:focus-visible{outline:0 !important;box-shadow:none !important}
/* sticky header (85px) and mobile call bar (56px) must not cover a focused item */
html{scroll-padding-top:96px}
@media (max-width:900px){html{scroll-padding-top:90px;scroll-padding-bottom:72px}}
/* the quote-form radio pills hide their real input; ring the visible pill instead */
html body .hf-pill:has(input:focus-visible)>span,html body .hf-chip:has(input:focus-visible){outline:3px solid #0b2548 !important;outline-offset:2px !important;box-shadow:0 0 0 2px #fff !important}