:root{
  --navy:#1B2C4D; --navy-deep:#132039; --navy-dark:#0C1526;
  --navy-soft:#31496E; --navy-light:#5C86B8;
  --blue:#8AC1EA;      /* logo light blue - on navy grounds and fills only */
  --pale:#BDE2F8;      /* logo pale blue  - fills and tints only */
  --deep:#3372AC;      /* 5.07:1 on white */
  --crown:#448BCA;     /* the crown blue from the logo - UI accents, not body text */      /* accessible brand blue for text/links on white (5.05:1) */;
  --grey:#8D9AAB; --grey-dark:#657282;
  --ink:#101A2B; --body:#45505F; --line:#DCE4EE;
  --wash:#F5F8FB; --wash2:#E9EFF6; --tint:#DDEAF7;
  --max:1140px; --r:14px;
  --shadow:0 1px 2px rgba(19,32,57,.05), 0 8px 28px rgba(19,32,57,.07);
  --shadow-lg:0 2px 6px rgba(19,32,57,.06), 0 24px 60px rgba(19,32,57,.13);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--body);background:#fff;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;margin:0 0 .5em;letter-spacing:-.02em;font-weight:700}
h1{font-size:clamp(2rem,1.3rem + 2.6vw,3.15rem);letter-spacing:-.03em}
h2{font-size:clamp(1.5rem,1.15rem + 1.3vw,2.1rem);margin-top:0}
h3{font-size:1.16rem}
p{margin:0 0 1.05em}
a{color:var(--navy);text-decoration-color:rgba(27,44,77,.3);text-underline-offset:3px}
a:hover{text-decoration-color:currentColor}
strong{color:var(--ink);font-weight:650}
img,svg{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.narrow{max-width:790px}
section{padding:clamp(48px,6vw,84px) 0}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:12px 18px;z-index:200}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--navy-light);outline-offset:2px;border-radius:4px}

/* ---------- header ---------- */
.topbar{background:var(--navy-dark);color:#c9c9d8;font-size:.82rem}
.topbar .wrap{display:flex;gap:20px;justify-content:space-between;align-items:center;min-height:38px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar span{display:inline-flex;align-items:center;gap:7px}
header.site{position:sticky;top:0;z-index:100;background:#fff;
  border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(19,32,57,.04)}
.bar{display:flex;align-items:center;gap:18px;min-height:86px}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{width:162px;display:block}
nav.mobile{display:none}
nav.main{margin-left:auto;display:flex;align-items:center;gap:2px}
nav.main>.item{position:relative}
nav.main>.item>button,nav.main>.item>a{
  background:none;border:0;font:inherit;font-size:.94rem;font-weight:600;color:var(--ink);
  padding:10px 13px;border-radius:9px;cursor:pointer;display:inline-flex;align-items:center;gap:5px;text-decoration:none}
nav.main>.item>button:hover,nav.main>.item>a:hover{background:var(--wash2)}
nav.main>.item>button svg{width:10px;opacity:.55;transition:transform .16s}
nav.main>.item[data-open="1"]>button svg{transform:rotate(180deg)}
.menu{position:absolute;top:calc(100% + 8px);left:0;min-width:262px;background:#fff;border:1px solid var(--line);
  border-radius:var(--r);box-shadow:var(--shadow-lg);padding:8px;display:none;z-index:120}
nav.main>.item[data-open="1"] .menu{display:block}
.menu a{display:block;padding:10px 12px;border-radius:9px;text-decoration:none;color:var(--ink);
  font-size:.93rem;font-weight:550}
.menu a:hover{background:var(--wash2)}
.menu a small{display:block;color:var(--grey-dark);font-weight:450;font-size:.79rem;margin-top:1px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:10px;
  font-weight:650;font-size:.96rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;
  transition:transform .12s ease, box-shadow .12s ease, background .12s ease;line-height:1.2}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 6px 18px rgba(27,44,77,.24)}
.btn-primary:hover{background:var(--navy-deep)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:#fff}
.btn-ghost:hover{border-color:var(--navy);background:var(--wash)}
.btn-light{background:#fff;color:var(--navy)}
.btn-outline-light{border-color:rgba(255,255,255,.45);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.1)}
.nav-cta{margin-left:8px}
.burger{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;
  width:46px;height:44px;align-items:center;justify-content:center;cursor:pointer}
.burger span{display:block;width:20px;height:2px;background:var(--ink);position:relative}
.burger span:before,.burger span:after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--ink)}
.burger span:before{top:-6px}.burger span:after{top:6px}

/* ---------- hero ---------- */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 55%,var(--navy-dark) 100%);
  color:#fff;position:relative;overflow:hidden;padding:0}
.hero:after{content:"";position:absolute;right:-16%;top:-32%;width:62%;height:170%;
  background:radial-gradient(closest-side,rgba(255,255,255,.09),transparent 70%);pointer-events:none}
.hero h1{color:#fff}
.hero .wrap{position:relative;z-index:2;padding-top:clamp(46px,5.5vw,78px);padding-bottom:clamp(46px,5.5vw,78px)}
.hero-compact .wrap{padding-top:clamp(34px,3.4vw,46px);padding-bottom:clamp(34px,3.4vw,46px)}
.hero-compact h1{font-size:clamp(1.85rem,1.3rem + 1.9vw,2.6rem)}
.hero-compact p.lede{font-size:1rem;max-width:80ch;margin-bottom:1.1em}
.hero-compact .hero-actions{display:none}
.hero p.lede{font-size:clamp(1.02rem,.97rem + .3vw,1.16rem);color:#d8d8e6;max-width:74ch;margin-bottom:1.5em}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:.78rem;font-weight:700;letter-spacing:.11em;
  text-transform:uppercase;color:#bdbcd6;margin-bottom:18px}
.eyebrow:before{content:"";width:26px;height:2px;background:var(--grey);display:block}
.hero-points{list-style:none;padding:0;margin:0 0 30px;display:flex;flex-wrap:wrap;gap:10px 26px}
.hero-points li{position:relative;padding-left:26px;color:#e2e2ee;font-size:.95rem;font-weight:550}
.hero-points li:before{content:"";position:absolute;left:0;top:.52em;width:14px;height:8px;
  border-left:2.5px solid #fff;border-bottom:2.5px solid #fff;transform:rotate(-45deg)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.trustline{margin-top:30px;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);
  display:flex;gap:12px 34px;flex-wrap:wrap;font-size:.85rem;color:#b9b8d0}
.trustline b{color:#fff;font-weight:700}

/* ---------- generic blocks ---------- */
.kicker{font-size:.78rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--navy-light);margin-bottom:12px}
.wash{background:var(--wash)}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(268px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(215px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;
  box-shadow:var(--shadow);transition:transform .15s ease,box-shadow .15s ease,border-color .15s}
a.card{text-decoration:none;display:block;color:var(--body)}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:#B9CBDE}
.card h3{margin-bottom:.35em}
.card p{margin:0;font-size:.94rem;color:var(--body)}
.card .more{display:inline-block;margin-top:14px;color:var(--navy);font-weight:650;font-size:.9rem}
.card .more:after{content:" →"}
.num{width:38px;height:38px;border-radius:11px;background:var(--tint);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.95rem;margin-bottom:14px}
ul.ticks{list-style:none;padding:0;margin:0 0 1.1em}
ul.ticks li{position:relative;padding-left:30px;margin-bottom:11px}
ul.ticks li:before{content:"";position:absolute;left:2px;top:.5em;width:13px;height:7px;
  border-left:2.5px solid var(--navy);border-bottom:2.5px solid var(--navy);transform:rotate(-45deg)}
.prose{max-width:790px}
.prose h2{margin-top:2.2em}
.prose h2:first-child{margin-top:0}
.tbl{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--line);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;font-size:.93rem;min-width:480px}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--wash2);color:var(--ink);font-weight:700;font-size:.83rem;
  letter-spacing:.04em;text-transform:uppercase}
tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even){background:#fbfbfd}
.note{background:var(--tint);border-radius:12px;padding:16px 20px;font-size:.92rem;margin:0 0 1.4em}
.note b{color:var(--navy)}
.warn{border-left:4px solid var(--navy);background:var(--wash);border-radius:0 12px 12px 0;
  padding:14px 20px;font-size:.9rem;margin:0 0 1.4em;color:var(--ink)}
.steps{list-style:none;padding:0;margin:0;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding-left:60px;margin-bottom:26px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:12px;
  background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.steps h3{margin-bottom:.25em}
.steps p{margin:0;font-size:.95rem}
details.faq{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
details.faq summary{cursor:pointer;padding:17px 22px;font-weight:650;color:var(--ink);list-style:none;
  display:flex;justify-content:space-between;gap:16px;align-items:flex-start}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--navy-light);flex:0 0 auto}
details.faq[open] summary:after{content:"–"}
details.faq .a{padding:0 22px 18px;font-size:.95rem}
details.faq .a p:last-child{margin-bottom:0}
.lenders{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.lenders li{border:1px solid var(--line);border-radius:9px;padding:9px 15px;font-size:.87rem;
  font-weight:600;color:var(--grey-dark);background:#fff}
.quote{background:var(--navy);color:#fff;border-radius:var(--r);padding:32px}
.quote p{font-size:1.12rem;color:#fff;margin-bottom:.8em}
.quote cite{font-style:normal;color:#bdbcd6;font-size:.88rem}
.breadcrumb{font-size:.83rem;color:var(--grey-dark);padding:16px 0 0}
.breadcrumb a{color:var(--grey-dark);text-decoration:none}
.breadcrumb a:hover{color:var(--navy)}
.related{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));list-style:none;padding:0;margin:0}
.related a{display:block;padding:16px 18px;border:1px solid var(--line);border-radius:12px;background:#fff;
  text-decoration:none;font-weight:650;color:var(--ink);font-size:.94rem}
.related a:hover{border-color:var(--navy);background:var(--wash)}
.related a:after{content:" →";color:var(--navy-light)}

/* ---------- form ---------- */
.formwrap{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,2.4vw,30px);
  box-shadow:var(--shadow-lg)}
.formwrap h2{font-size:1.32rem}
.field{margin-bottom:16px}
.field label{display:block;font-size:.87rem;font-weight:650;color:var(--ink);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);
  border-radius:10px;font:inherit;font-size:.96rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy);outline:none;
  box-shadow:0 0 0 3px rgba(27,44,77,.1)}
.field textarea{min-height:104px;resize:vertical}
.two{display:grid;gap:16px;grid-template-columns:1fr 1fr}
.formnote{font-size:.79rem;color:var(--grey-dark);margin:14px 0 0}
.hp{position:absolute;left:-9999px}
.cta-band{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff}
.cta-band h2{color:#fff}
.cta-band p{color:#d3d3e3}

/* ---------- footer ---------- */
footer.site{background:var(--navy-dark);color:#a9a8bd;font-size:.9rem;padding:60px 0 30px}
footer.site h4{color:#fff;font-size:.79rem;letter-spacing:.11em;text-transform:uppercase;margin-bottom:16px}
footer.site a{color:#d0cfe0;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:9px}
.fgrid{display:grid;gap:34px;grid-template-columns:1.5fr repeat(4,1fr)}
.flogo img{width:176px;margin-bottom:16px;display:block}
.legal{margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.11);font-size:.79rem;
  color:#8988a0;line-height:1.7}
.legal p{margin:0 0 .9em}
.riskbox{background:rgba(255,255,255,.05);border-radius:12px;padding:18px 22px;margin-bottom:26px;
  font-size:.83rem;color:#c6c5d8}
.riskbox p{margin:0 0 .55em}
.riskbox p:last-child{margin:0}

/* ---------- mobile call bar ---------- */
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:150;background:#fff;
  border-top:1px solid var(--line);padding:9px 12px;gap:9px;box-shadow:0 -6px 24px rgba(19,32,57,.1)}
.callbar a{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;padding:13px 8px;
  border-radius:10px;font-weight:700;font-size:.93rem;text-decoration:none}
.callbar .c{background:var(--navy);color:#fff}
.callbar .w{background:var(--wash2);color:var(--navy)}
.wafloat{position:fixed;overflow:hidden;right:20px;bottom:20px;z-index:150;width:52px;height:52px;border-radius:50%;
  display:inline-flex;align-items:center;justify-content:center;background:#25D366;color:#fff;
  text-decoration:none;box-shadow:0 4px 14px rgba(16,90,45,.28);transition:transform .14s, box-shadow .14s}
.wafloat:hover{transform:translateY(-2px);box-shadow:0 8px 22px rgba(16,90,45,.36)}
.wafloat svg{width:26px;height:26px;max-width:26px;max-height:26px;flex:0 0 auto}
.wafloat span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

@media (max-width:1000px){
  .fgrid{grid-template-columns:1fr 1fr}
  nav.main{display:none}
  .burger{display:flex}
  header.site nav.mobile{border-top:1px solid var(--line);padding:14px 0 22px}
  header.site.open nav.mobile{display:block}
  nav.mobile h5{margin:16px 0 6px;font-size:.74rem;letter-spacing:.11em;text-transform:uppercase;color:var(--grey-dark)}
  nav.mobile a{display:block;padding:10px 2px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.98rem;
    border-bottom:1px solid var(--wash2)}
}
@media (max-width:720px){
  body{font-size:16px}
  .two{grid-template-columns:1fr}
  .callbar{display:flex}
  .wafloat{display:none}
  footer.site{padding-bottom:96px}
  .fgrid{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center;gap:14px}
  .hero-actions .btn{flex:1 1 100%}
}
@media print{header.site,.callbar,.wafloat,.cta-band,.topbar{display:none}}

/* ---------- wizard ---------- */
.wiz{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-lg);
  padding:clamp(24px,3.4vw,44px);max-width:720px;margin:0 auto}
.wiz-bar{height:6px;background:var(--wash2);border-radius:99px;overflow:hidden;margin-bottom:10px}
.wiz-bar i{display:block;height:100%;width:0;background:var(--navy);border-radius:99px;transition:width .3s ease}
.wiz-meta{display:flex;justify-content:space-between;font-size:.79rem;color:var(--grey-dark);
  margin-bottom:26px;font-weight:600;letter-spacing:.02em}
.wiz-step{display:none}
.wiz-step.on{display:block;animation:fade .28s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.wiz h2{font-size:clamp(1.3rem,1.1rem + .8vw,1.72rem);margin-bottom:.35em}
.wiz .help{font-size:.92rem;color:var(--grey-dark);margin-bottom:22px}
.opts{display:grid;gap:10px}
.opt{display:flex;align-items:center;gap:13px;padding:15px 18px;border:1.5px solid var(--line);
  border-radius:12px;cursor:pointer;font-weight:600;color:var(--ink);background:#fff;font-size:.97rem;
  text-align:left;transition:border-color .12s, background .12s, transform .12s}
.opt:hover{border-color:var(--navy-light);background:var(--wash);transform:translateX(2px)}
.opt.sel{border-color:var(--navy);background:var(--tint)}
.opt .dot{width:20px;height:20px;border-radius:50%;border:2px solid var(--line);flex:0 0 auto;position:relative}
.opt.sel .dot{border-color:var(--navy)}
.opt.sel .dot:after{content:"";position:absolute;inset:3px;border-radius:50%;background:var(--navy)}
.money{position:relative}
.money span{position:absolute;left:16px;top:50%;transform:translateY(-50%);font-weight:700;color:var(--grey-dark)}
.money input{padding-left:34px !important;font-size:1.18rem !important;font-weight:650}
.wiz-nav{display:flex;gap:12px;margin-top:26px;align-items:center}
.wiz-nav .back{background:none;border:0;color:var(--grey-dark);font:inherit;font-weight:600;
  cursor:pointer;padding:12px 6px;font-size:.92rem}
.wiz-nav .back:hover{color:var(--navy)}
.wiz-summary{background:var(--wash);border-radius:12px;padding:18px 20px;margin-bottom:22px;font-size:.9rem}
.wiz-summary dl{display:grid;grid-template-columns:auto 1fr;gap:6px 18px;margin:0}
.wiz-summary dt{color:var(--grey-dark)}
.wiz-summary dd{margin:0;font-weight:650;color:var(--ink);text-align:right}

/* ---------- calculators ---------- */
.calc{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow-lg);overflow:hidden}
.calc-in{padding:clamp(22px,2.6vw,32px)}
.calc-out{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;
  padding:clamp(24px,2.8vw,34px)}
.calc-out h3{color:#fff;font-size:.8rem;letter-spacing:.11em;text-transform:uppercase;margin-bottom:14px;
  color:#bdbcd6}
.big{font-size:clamp(2rem,1.4rem + 2.2vw,2.9rem);font-weight:800;letter-spacing:-.03em;color:#fff;
  line-height:1.05;margin:0 0 4px}
.sub{color:#c3c2d8;font-size:.92rem;margin:0 0 20px}
.outrow{display:flex;justify-content:space-between;gap:16px;padding:11px 0;
  border-top:1px solid rgba(255,255,255,.14);font-size:.94rem;color:#d5d4e4}
.outrow b{color:#fff;font-weight:700}
.range{width:100%;accent-color:var(--navy);margin-top:6px}
.seg{display:flex;gap:6px;background:var(--wash2);padding:5px;border-radius:11px;margin-bottom:6px;flex-wrap:wrap}
.seg button{flex:1;min-width:88px;border:0;background:none;font:inherit;font-size:.86rem;font-weight:650;
  padding:9px 10px;border-radius:8px;cursor:pointer;color:var(--grey-dark)}
.seg button.on{background:#fff;color:var(--navy);box-shadow:0 1px 3px rgba(19,32,57,.14)}
.check{display:flex;align-items:flex-start;gap:11px;font-size:.93rem;font-weight:600;color:var(--ink);
  cursor:pointer;padding:12px 14px;border:1.5px solid var(--line);border-radius:11px;margin-bottom:10px}
.check input{margin-top:2px;accent-color:var(--navy);width:18px;height:18px}
.check.on{border-color:var(--navy);background:var(--tint)}
.assumptions{font-size:.85rem;color:var(--grey-dark);margin-top:18px}
.assumptions li{margin-bottom:7px}
.calc-lead{border-top:1px solid rgba(255,255,255,.16);margin-top:22px;padding-top:20px}
.calc-lead p{color:#c3c2d8;font-size:.9rem}
.calc-grid{display:grid;gap:26px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));align-items:start}
@media (max-width:820px){.calc-grid{grid-template-columns:1fr}}


/* dated market-data note on sector pages */
.datawrap{margin:8px 0 40px}
.datanote{
  font-size:.86rem; line-height:1.62; color:var(--navy-soft);
  background:var(--pale-tint,#F2F8FD); border:1px solid #D6E7F5;
  border-left:3px solid var(--crown,#448BCA);
  border-radius:0 8px 8px 0; padding:14px 18px; margin:0; max-width:78ch;
}
.datanote strong{color:var(--navy); font-weight:700}
@media (max-width:640px){ .datanote{font-size:.84rem; padding:12px 14px} }


/* ---------- mobile: stop the fixed call bar covering form buttons ---------- */
/* callbar-clearance */
@media (max-width:720px){
  /* the fixed .callbar sits over the bottom ~62px of the viewport, so any
     form must end well clear of it or the submit button is unreachable */
  form{padding-bottom:86px}
  form button[type="submit"],
  form .btn{scroll-margin-bottom:104px}
  /* sit above the iPhone home indicator rather than under it */
  .callbar{padding-bottom:calc(9px + env(safe-area-inset-bottom, 0px))}
  /* the sticky header also needs to not eat anchored fields */
  html{scroll-padding-top:76px; scroll-padding-bottom:104px}
}


/* ---------- mobile: stop form controls swallowing scroll gestures ---------- */
/* touch-trap-fix */
@media (max-width:720px){
  /* the resize handle is a touch trap: dragging it resizes instead of scrolling */
  .field textarea{resize:none; min-height:92px}
  /* let a swipe that starts inside a short textarea scroll the page instead */
  .field textarea, .field input, .field select{touch-action:manipulation}
  /* shorter call bar leaves more of the screen usable for swiping */
  .callbar{padding:7px 12px calc(7px + env(safe-area-inset-bottom, 0px))}
  .callbar a{padding:11px 8px}
}