#le-hub{--ink:#14213D;--ink2:#3E4C68;--muted:#5C6B87;--faint:#7A869E;--line:#D9DEE8;--paper2:#F3F5F9;--yellow:#F6C93E;--yellow-dk:#EDB92A;--cream:#FBF8F1;--radius:8px;--card-r:12px;--shadow:0 10px 30px -12px rgba(20,33,61,.18)}
#le-hub *{box-sizing:border-box}
#le-hub{scroll-behavior:smooth}
#le-hub{margin:0;background:#fff;color:var(--ink2);font-family:"Instrument Sans",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
#le-hub a{color:var(--ink)}
#le-hub ::selection{background:var(--yellow);color:var(--ink)}
#le-hub :focus-visible{outline:3px solid var(--ink);outline-offset:3px}
#le-hub .wrap{max-width:1100px;margin:0 auto;padding:0 24px}
#le-hub{font-family:"Instrument Sans",system-ui,-apple-system,"Segoe UI",sans-serif;color:#3E4C68;line-height:1.55;font-size:16px}
#le-hub .nb-nav{background:#fff;border-bottom:1px solid var(--line)}
#le-hub .nb-nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
#le-hub .nb-brand{display:inline-flex;align-items:baseline;gap:12px;text-decoration:none}
#le-hub .nb-brand .wm{position:relative;font-size:22px;font-weight:700;letter-spacing:-.03em;color:var(--ink);padding-bottom:2px}
#le-hub .nb-brand .wm::after{content:"";position:absolute;left:0;bottom:-3px;width:42%;height:4px;background:var(--yellow);border-radius:2px}
#le-hub .nb-brand small{color:var(--muted);font-size:13px;line-height:1.3}
#le-hub .nb-links{display:flex;align-items:center;gap:22px;font-size:14px;font-weight:600}
#le-hub .nb-links a{color:var(--ink);text-decoration:none}
#le-hub .nb-links a:hover{text-decoration:underline;text-decoration-color:var(--yellow);text-decoration-thickness:2px;text-underline-offset:.25em}
#le-hub .btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;background:var(--yellow);color:var(--ink);border:1.5px solid var(--yellow);border-radius:var(--radius);font-weight:700;font-size:16px;letter-spacing:-.01em;line-height:1.2;padding:14px 24px;text-decoration:none;cursor:pointer;transition:background .15s,transform .15s,box-shadow .15s}
#le-hub .btn:hover{background:var(--yellow-dk);border-color:var(--yellow-dk);transform:translateY(-1px);box-shadow:var(--shadow)}
#le-hub .btn.ghost{background:#fff;border-color:var(--line);font-weight:600;font-size:15px}
#le-hub .btn.ghost:hover{border-color:var(--ink);background:#fff;box-shadow:none;transform:none}
#le-hub .kicker{font-size:11.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--faint);margin:0 0 12px}
#le-hub h1, #le-hub h2, #le-hub h3{color:var(--ink);font-weight:700;letter-spacing:-.02em;line-height:1.15;margin:0 0 12px;text-wrap:balance}
#le-hub h1{font-size:clamp(32px,4.6vw,50px);line-height:1.1}
#le-hub h1 span{background:linear-gradient(transparent 70%,var(--yellow) 70%,var(--yellow) 92%,transparent 92%)}
#le-hub h2{font-size:clamp(24px,3.2vw,34px)}
#le-hub h3{font-size:20px}
#le-hub .lead{font-size:18px;color:var(--ink2);max-width:62ch;margin:0 0 22px}
#le-hub .lead b{color:var(--ink);font-weight:600}
#le-hub .hero{padding:64px 0 48px}
#le-hub .hero .grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
#le-hub .hero .aside{background:var(--ink);color:#fff;border-radius:var(--card-r);padding:26px 28px;box-shadow:var(--shadow)}
#le-hub .hero .aside .k{font-size:11.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--yellow);margin-bottom:10px}
#le-hub .hero .aside b{display:block;font-size:34px;font-weight:800;letter-spacing:-.03em;line-height:1.05;color:#fff;margin-bottom:6px}
#le-hub .hero .aside p{margin:0;color:#E4E8F1;font-size:14.5px}
#le-hub .hero .aside i{display:block;font-style:normal;color:#C9D1E1;font-size:12px;margin-top:10px}
#le-hub .doors{background:var(--paper2);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:56px 0}
#le-hub .doors .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
#le-hub .doors .grid.two{grid-template-columns:repeat(2,1fr);max-width:760px;margin:0 auto}
#le-hub .door{background:#fff;border:1.5px solid var(--line);border-radius:var(--card-r);padding:24px;display:flex;flex-direction:column;gap:10px;transition:border-color .15s,transform .15s,box-shadow .15s}
#le-hub .door:hover{border-color:var(--ink);transform:translateY(-2px);box-shadow:var(--shadow)}
#le-hub .door .num{width:40px;height:40px;border-radius:50%;background:var(--yellow);color:var(--ink);font-weight:700;font-size:17px;display:flex;align-items:center;justify-content:center}
#le-hub .door h3{margin:4px 0 0}
#le-hub .door p{margin:0;font-size:15px;color:var(--ink2);flex:1}
#le-hub .door .meta{font-size:13px;color:var(--faint)}
#le-hub .door .btns{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
#le-hub .door .btn{align-self:flex-start}
#le-hub .section{padding:56px 0}
#le-hub .section .rule{width:44px;height:4px;background:var(--yellow);border-radius:2px;margin:0 0 14px}
#le-hub .nb-form{background:#fff;border:1px solid var(--line);border-radius:var(--card-r);padding:18px 20px}
#le-hub .nb-form .pick{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start;padding:10px 12px;border:1.5px solid var(--line);border-radius:var(--radius);margin-bottom:8px;cursor:pointer}
#le-hub .nb-form .pick:has(input:checked){border-color:var(--ink);background:var(--yellow-tint,#FFF6D6)}
#le-hub .nb-form .pick input{margin-top:3px;accent-color:var(--ink)}
#le-hub .nb-form .pick b{display:block;color:var(--ink);font-size:14.5px}
#le-hub .nb-form .pick small{display:block;color:var(--muted);font-size:12.5px}
#le-hub .nb-form .ident{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0 12px}
#le-hub .nb-form .ident .wide{grid-column:1 / -1}
#le-hub .nb-form .f label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:5px}
#le-hub .nb-form input[type=text], #le-hub .nb-form input[type=email], #le-hub .nb-form textarea{width:100%;background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:11px 12px;font:inherit;color:var(--ink)}
#le-hub .nb-form input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(246,201,62,.45)}
#le-hub .nb-form input.bad{border-color:#D64545}
#le-hub .nb-form .known{font-size:13.5px;color:var(--ink2);margin:12px 0}
#le-hub .nb-form .known b{color:var(--ink)}
#le-hub .nb-form .msg{font-size:13.5px;color:var(--ink2);margin:10px 0 0;min-height:1em}
#le-hub .nb-form.done .pick, #le-hub .nb-form.done .ident, #le-hub .nb-form.done .known, #le-hub .nb-form.done .btn{display:none}
@media(max-width:600px){#le-hub .nb-form .ident{grid-template-columns:1fr}}
#le-hub .touch{background:var(--paper2);border-top:1px solid var(--line);padding:64px 0}
#le-hub .touch .grid{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}
#le-hub .touch .card{background:#fff;border:1px solid var(--line);border-radius:var(--card-r);padding:24px;min-height:260px}
#le-hub .touch .card .ph{border:1.5px dashed var(--line);border-radius:var(--radius);padding:28px 20px;text-align:center;color:var(--faint);font-size:14px}
#le-hub .touch ul{list-style:none;padding:0;margin:14px 0 20px}
#le-hub .touch li{position:relative;padding-left:32px;margin:0 0 10px;color:var(--ink)}
#le-hub .touch li::before{content:"\2713";position:absolute;left:0;top:1px;width:22px;height:22px;border-radius:50%;background:var(--yellow);color:var(--ink);font-size:12px;font-weight:700;display:flex;align-items:center;justify-content:center}
#le-hub .touch .small{font-size:13.5px;color:var(--faint)}
#le-hub .nb-foot{border-top:1px solid var(--line);padding:26px 0 36px;font-size:13px;color:var(--faint)}
#le-hub .nb-foot .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}
#le-hub .nb-foot a{color:var(--ink2);text-decoration:none;margin-left:18px}
#le-hub .nb-foot a:hover{text-decoration:underline;text-decoration-color:var(--yellow);text-decoration-thickness:2px}
#le-hub .doors .grid.four{grid-template-columns:repeat(2,1fr);max-width:900px;margin:0 auto}
#le-hub .pack-panel{margin:24px auto 0;background:#fff;border:1.5px solid var(--ink);border-radius:var(--card-r);padding:26px 28px;scroll-margin-top:96px}
#le-hub .doors .grid.two + .pack-panel{max-width:900px}
#le-hub .doors .grid.two{max-width:900px}
#le-hub .door h3{margin:0 0 4px;text-decoration:underline;text-decoration-color:var(--yellow);text-decoration-thickness:4px;text-underline-offset:7px;text-decoration-skip-ink:none}
#le-hub .door .btns{margin-top:auto;padding-top:6px}
#le-hub .door .btns .btn{padding:14px 18px}
#le-hub .doors .grid.four + .pack-panel{max-width:900px}
#le-hub .pack-panel .pp-head{margin:0 0 18px}
#le-hub .pack-panel .pp-head h3{margin:0 0 6px}
#le-hub .pack-panel .pp-head p{margin:0;font-size:15px;color:var(--ink2)}
#le-hub .pack-panel .nb-form{display:grid;grid-template-columns:1fr 1fr;gap:24px;border:0;padding:0;background:transparent;border-radius:0}
#le-hub .pack-panel .nb-form.done{grid-template-columns:1fr}
#le-hub .pack-panel .nb-form .ident{margin:0 0 12px}
#le-hub .pack-panel .consent{font-size:13px;color:var(--ink2);margin:0 0 12px}
#le-hub .nb-form.done .consent{display:none}
#le-hub .pack-panel .small{font-size:12.5px;color:var(--faint);margin:12px 0 0}
@media(max-width:760px){#le-hub .pack-panel{padding:22px 20px}#le-hub .pack-panel .nb-form{grid-template-columns:1fr;gap:8px}}
#le-hub .touch .lead{max-width:none}
#le-hub .touch .small{margin:18px 0 0}
#le-hub .tool-shell{background:var(--paper2);padding:32px 0 56px}
#le-hub .tool-shell #dcq{max-width:1100px;margin:0 auto;box-shadow:0 1px 2px rgba(20,33,61,.04);border:1px solid var(--line)}
@media(max-width:900px){#le-hub .hero .grid, #le-hub .doors .grid, #le-hub .doors .grid.two, #le-hub .doors .grid.four, #le-hub .touch .grid{grid-template-columns:1fr}
#le-hub .nb-links{display:none}
#le-hub .hero{padding:44px 0 32px}}
/* ============================================================
   LOW EFFORT DESIGN v4 (02.10.2026) — the redesigned loweffort.com
   Inter · ink #111F32 · one accent, red #A91614 · white / #F4F8FC
   surfaces · pill buttons · 8px controls, 12px cards. Same values as
   the Claims Simulator. Sits LAST on purpose: it wins the cascade over
   the yellow theme of 09.09. The old accent names (--yellow…) are kept
   and point at the new accent, so every rule above follows.
   ============================================================ */
#le-hub,#dcq,#dc-calc{
  --ink:#111F32; --navy:#111F32; --ink2:#1F2A3A; --muted:#607179; --faint:#667D9B;
  --steel7:#1F2A3A; --steel5:#607179; --steel3:#667D9B; --steel:#B7C3D3;
  --line:#DCE3EC; --lineDk:rgba(255,255,255,.16);
  --paper:#FFFFFF; --paper2:#F4F8FC; --paper-2:#F4F8FC; --cool:#F4F8FC; --card:#FFFFFF; --white:#fff; --cream:#F4F8FC;
  --accent:#A91614; --accent-dk:#8E1210;
  --yellow:#A91614; --yellow-dk:#8E1210; --yellow-tint:#F4F8FC;
  --blue:#111F32; --bluelt:#111F32; --blue-lt:#A91614; --indigo:#111F32; --violet:#667D9B;
  --green:#1E9E6A; --amber:#E39A19; --red:#D64545; --orange:#B7791F;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
  --serif:var(--sans); --display:var(--sans);
  --radius:8px; --card-r:12px; --ease:cubic-bezier(0.23,1,0.32,1);
  --shadow:0 10px 30px -12px rgba(17,31,50,.18);
  --focus:0 0 0 3px rgba(48,136,255,.28);
  font-family:var(--sans); font-size:16px; line-height:1.6; color:var(--ink2);
  -webkit-font-smoothing:antialiased; border-radius:0;
}
#le-hub ::selection,#dcq ::selection,#dc-calc ::selection{background:var(--ink);color:#fff}
#le-hub :focus-visible,#dcq :focus-visible,#dc-calc :focus-visible{outline:3px solid rgba(48,136,255,.45);outline-offset:3px}

/* ---- own header strip: wordmark + back link, as on the Claims Simulator.
        Hidden as soon as the page carries the site header (.le-in-site). ---- */
#dcq .le-strip,#dc-calc .dcnav{background:#fff;border-bottom:1px solid var(--line);padding:0}
#dcq .le-strip .wrap{max-width:1198px;margin:0 auto;padding:18px 24px;display:flex;justify-content:space-between;align-items:center;gap:16px}
#dcq .le-brand{position:relative;font-size:22px;font-weight:800;letter-spacing:-.04em;line-height:1.2;color:var(--ink);text-decoration:none;white-space:nowrap}
#dcq .le-brand::after{content:"";position:absolute;left:0;bottom:-5px;width:36px;height:4px;border-radius:2px;background:var(--accent)}
#dcq .le-back{font-size:14px;font-weight:500;color:var(--muted);text-decoration:none}
#dcq .le-back:hover{color:var(--ink)}
#dcq.le-in-site .le-strip,#dc-calc.le-in-site .dcnav{display:none}
/* the site header is fixed and 72px tall */
#le-hub.le-in-site,#dcq.le-in-site,#dc-calc.le-in-site{padding-top:72px}
@media(max-width:420px){#dcq .le-strip .wrap{padding:16px 20px}#dcq .le-back{font-size:13px}#dcq .le-brand{font-size:20px}}
/* ---- hub ---- */
#le-hub{background:#fff}
#le-hub a{color:var(--ink)}
#le-hub .wrap{max-width:1198px}
#le-hub h1,#le-hub h2,#le-hub h3{font-family:var(--sans);color:var(--ink);font-weight:700;letter-spacing:-.015em}
#le-hub h1{font-size:clamp(32px,4.4vw,48px);line-height:1.18}
#le-hub h1 span{background:none;color:var(--accent)}
#le-hub h2{font-size:clamp(26px,3.2vw,38px);line-height:1.2}
#le-hub h3{font-size:20px;line-height:1.25}
#le-hub .kicker{color:var(--faint);font-size:12px;font-weight:600;letter-spacing:.12em}
#le-hub .lead{font-size:17px;line-height:1.6;color:var(--ink2)}
#le-hub .lead b{color:var(--ink);font-weight:700}

/* buttons: the red pill of the site */
#le-hub .btn{background:var(--accent);color:#fff;border:0;border-radius:999px;font-family:var(--sans);font-weight:600;font-size:16px;
  letter-spacing:0;line-height:1.2;padding:15px 24px;box-shadow:none;transition:background .16s ease,transform .16s ease}
#le-hub .btn:hover{background:var(--accent-dk);border-color:transparent;transform:none;box-shadow:none}
#le-hub .btn:active{transform:scale(.97)}
#le-hub .btn[disabled]{background:#C9D1DB;color:#5F6B78;cursor:default}

/* hero: white band, navy fact card */
#le-hub .hero{background:#fff;padding:64px 0 60px}
#le-hub .hero .grid{gap:48px}
#le-hub .hero .aside{background:var(--ink);border-radius:var(--card-r);padding:28px 30px;box-shadow:none}
#le-hub .hero .aside .k{color:var(--steel);font-size:12px}
#le-hub .hero .aside b{font-weight:800;letter-spacing:-.02em}
#le-hub .hero .aside p{color:#E3E9F1}
#le-hub .hero .aside i{color:var(--steel)}

/* doors: cool band, white cards */
#le-hub .doors{background:var(--paper2);border:0;padding:64px 0 68px}
#le-hub .door{border:1px solid var(--line);border-radius:var(--card-r);padding:26px;transition:border-color .15s}
#le-hub .door:hover{border-color:var(--ink);transform:none;box-shadow:none}
#le-hub .door h3{text-decoration:none;margin:0 0 2px}
#le-hub .door p{color:var(--ink2)}
#le-hub .door .btns{gap:10px}
#le-hub .door .btns .btn{padding:13px 18px;font-size:15px}

/* reading pack */
#le-hub .pack-panel{border:1px solid var(--line);border-radius:var(--card-r);padding:28px 30px}
#le-hub .pack-panel .pp-head .kicker{font-size:12px;color:var(--faint);margin:0 0 8px}
#le-hub .nb-form .pick{border:1px solid var(--line);border-radius:var(--radius);background:#fff;transition:border-color .15s}
#le-hub .nb-form .pick:has(input:checked){border-color:var(--ink);background:#fff;box-shadow:inset 3px 0 0 var(--accent)}
#le-hub .nb-form .pick input{accent-color:var(--accent)}
#le-hub .nb-form .pick small{color:var(--muted)}
#le-hub .nb-form input[type=text],#le-hub .nb-form input[type=email],#le-hub .nb-form textarea{border:1px solid var(--line);border-radius:var(--radius);font-family:var(--sans)}
#le-hub .nb-form input:focus{border-color:var(--ink);box-shadow:var(--focus)}
#le-hub .nb-form .known a,#le-hub .touch .small a{text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:2px;text-underline-offset:.2em}

/* get in touch: white band above the navy footer */
#le-hub .touch{background:#fff;border-top:0;padding:72px 0 80px}
#le-hub .touch .small{color:var(--faint)}
@media(max-width:900px){#le-hub .hero{padding:44px 0 40px}#le-hub .doors{padding:48px 0}#le-hub .touch{padding:52px 0 60px}}