/* =============================================================
   TK-FOOTER — V38 Stage K trust-kit. Full legitimate-insurer
   footer per complete-anatomy.md §6. Ported from
   homepage-37-opta.html .v7-footer (renamed tk-*).
   ============================================================= */
.tk-footer {
  background: #001F2E;
  color: rgba(255,255,255,.75);
  padding: 72px 40px 32px;
  border-top: 1px solid rgba(255,255,255,.08);
}
.tk-foot-grid {
  max-width: 1200px; margin: 0 auto 48px;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px;
}
.tk-foot-grid .tk-foot-brand-word {
  font-family: 'Fraunces', serif; font-weight: 700;
  font-size: 26px; color: #FFFAEA;
  letter-spacing: -.015em; margin-bottom: 10px;
}
.tk-foot-grid .tk-foot-tag {
  font-size: 13.5px; line-height: 1.6; max-width: 320px; margin: 0 0 14px;
}
.tk-foot-grid .tk-foot-phone {
  display: inline-flex; align-items: center; gap: 7px;
  color: #FFFAEA; font-weight: 600; font-size: 14px; text-decoration: none;
}
.tk-foot-grid .tk-foot-phone svg { width: 14px; height: 14px; }
.tk-foot-grid h6 {
  font-family: 'JetBrains Mono', monospace;
  font-size: 11px; letter-spacing: .2em; text-transform: uppercase;
  color: var(--lemon); margin: 0 0 16px; font-weight: 700;
}
.tk-foot-grid ul { list-style: none; padding: 0; margin: 0; }
.tk-foot-grid li { padding: 5px 0; font-size: 13.5px; }
.tk-foot-grid a { color: rgba(255,255,255,.75); transition: color .15s; text-decoration: none; }
.tk-foot-grid a:hover { color: #FFFAEA; }

.tk-foot-disclaimers {
  max-width: 1200px; margin: 0 auto;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: 12px; line-height: 1.6;
  color: rgba(255,255,255,.55);
}
.tk-foot-disclaimers p { margin: 0 0 12px; max-width: 1100px; }
.tk-foot-disclaimers b { color: rgba(255,255,255,.85); font-weight: 700; }

.tk-foot-methodology {
  max-width: 1200px; margin: 0 auto; padding-top: 20px;
  border-top: 1px dashed rgba(255,255,255,.12);
  font-size: 12px; color: rgba(255,255,255,.55);
}
.tk-foot-methodology h6 {
  font-family: 'JetBrains Mono', monospace; font-size: 10.5px; letter-spacing: .16em;
  text-transform: uppercase; color: rgba(255,255,255,.6); margin: 0 0 10px; font-weight: 700;
}
.tk-footnote-list { list-style: none; margin: 0; padding: 0; }
.tk-footnote-list li { padding: 3px 0; line-height: 1.5; }
.tk-footnote-num { color: rgba(255,255,255,.4); margin-right: 4px; }

.tk-foot-bottom {
  max-width: 1200px; margin: 20px auto 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px;
  font-family: 'JetBrains Mono', monospace;
  font-size: 11px; letter-spacing: .12em; text-transform: uppercase;
  color: rgba(255,255,255,.5);
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.08);
}
@media (max-width: 900px) {
  .tk-foot-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
}
@media (max-width: 560px) {
  .tk-foot-grid { grid-template-columns: 1fr; }
  .tk-footer { padding: 56px 22px 28px; }
}

/* --- inline superscript footnote markers rendered by tk-footnote.js --- */
.tk-footnote-marker { font-size: .72em; line-height: 0; }
.tk-footnote-marker a { color: var(--pink-dark); text-decoration: none; }
.tk-footnote-marker a:hover { text-decoration: underline; }