/* InsurancePro — site stylesheet
   Palette: road blue, morning fog, lane-marking yellow.
   Type: a serif for reading (headlines + body prose), a sans for interface and data. */

:root {
  --road: #1B2A41;
  --ink: #14202E;
  --fog: #EEF2F6;
  --paper: #FFFFFF;
  --lane: #F5C542;
  --lane-deep: #C8931A;
  --mute: #55657A;
  --line: #D7DEE6;
  --covered: #1F7A5C;
  --not: #B23A2F;
  --link: #1F4E8C;
  --serif: "Iowan Old Style", "Palatino Linotype", "Book Antiqua", Palatino, Georgia, "Times New Roman", serif;
  --sans: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --measure: 41rem;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--fog);
  color: var(--ink);
  font-family: var(--serif);
  font-size: 1.125rem;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--link); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
a:focus-visible, button:focus-visible { outline: 3px solid var(--lane); outline-offset: 3px; }

img, svg { max-width: 100%; height: auto; }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 700; line-height: 1.2; margin: 0; letter-spacing: -0.005em; }

.wrap { max-width: 72rem; margin: 0 auto; padding: 0 1.25rem; }

/* ---------- Header ---------- */

.site-head { background: var(--road); color: #fff; }

.head-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  padding-top: 0.9rem; padding-bottom: 0.9rem;
}

.brand {
  display: inline-flex; align-items: center; gap: 0.6rem; color: #fff; text-decoration: none;
  font-family: var(--serif); font-weight: 700; font-size: 1.4rem;
}
.brand svg { width: 30px; height: 30px; flex: none; }
.brand:hover { text-decoration: none; }

.site-nav { display: flex; flex-wrap: wrap; gap: 0.15rem; font-family: var(--sans); }
.site-nav a {
  color: #D5DEE9; text-decoration: none; font-size: 0.95rem; padding: 0.45rem 0.7rem; border-radius: 4px;
}
.site-nav a:hover { color: #fff; background: rgba(255, 255, 255, 0.08); }
.site-nav a[aria-current="page"] { color: #fff; box-shadow: inset 0 -2px 0 var(--lane); border-radius: 4px 4px 0 0; }

/* ---------- Reading progress (guides only) ---------- */

.progress {
  position: fixed; top: 0; left: 0; z-index: 50; height: 5px; width: 0;
  background: repeating-linear-gradient(90deg, var(--lane) 0 18px, transparent 18px 30px);
  transition: width 80ms linear;
}

/* ---------- Home: hero ---------- */

.hero { background: var(--road); color: #fff; padding: 4.5rem 0 0; overflow: hidden; }
.hero h1 {
  font-size: clamp(2.3rem, 4.8vw, 3.9rem); line-height: 1.06; max-width: 17ch; margin: 0 0 1.1rem;
  animation: rise 0.7s ease-out both;
}
.hero .lede {
  font-family: var(--sans); font-size: 1.15rem; line-height: 1.6; color: #C9D3DF; max-width: 52ch; margin: 0 0 2.5rem;
  animation: rise 0.7s ease-out 0.15s both;
}
.lane { display: block; width: 100%; height: 12px; margin: 0; }
.lane path {
  stroke: var(--lane); stroke-width: 4; stroke-dasharray: 28 20;
  animation: drift 4s linear infinite;
}
.lane-reveal { animation: reveal 1.3s cubic-bezier(0.2, 0.7, 0.2, 1) 0.35s both; }

@keyframes rise { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
@keyframes reveal { from { clip-path: inset(0 100% 0 0); } to { clip-path: inset(0 0 0 0); } }
@keyframes drift { from { stroke-dashoffset: 0; } to { stroke-dashoffset: -48; } }

/* ---------- Home: start path (a real sequence) ---------- */

.start { background: var(--paper); border-bottom: 1px solid var(--line); }
.start-inner { padding: 3rem 1.25rem 3.25rem; }
.section-title { font-size: 1.85rem; margin: 0 0 0.4rem; }
.section-lede { font-family: var(--sans); color: var(--mute); margin: 0 0 2rem; max-width: 60ch; }

.path { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 2.5rem; }
.path li { position: relative; }
.path a { display: block; text-decoration: none; color: inherit; border-top: 3px solid var(--lane); padding-top: 1rem; }
.path .num { display: block; font-family: var(--sans); font-weight: 600; font-size: 0.9rem; color: var(--lane-deep); }
.path h3 { font-size: 1.4rem; margin: 0.35rem 0 0.5rem; }
.path p { font-family: var(--sans); font-size: 1rem; color: var(--mute); margin: 0; line-height: 1.55; }
.path a:hover h3 { color: var(--link); }

/* ---------- Home: guide index ---------- */

.guides-inner { padding: 3.25rem 1.25rem 3rem; }
.guide-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 0 3.5rem; }
.guide-list li { border-top: 1px solid var(--line); }
.guide-list a {
  display: grid; grid-template-columns: 48px 1fr; gap: 1.1rem; padding: 1.4rem 0 1.5rem;
  text-decoration: none; color: inherit;
}
.gwrap {
  display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px;
  border-radius: 50%; background: var(--paper); border: 1px solid var(--line); color: var(--road);
  transition: background 0.2s, border-color 0.2s;
}
.gicon { width: 28px; height: 28px; }
.guide-list h3 { font-size: 1.35rem; margin: 0.15rem 0 0.35rem; transition: color 0.2s; }
.guide-list p { font-family: var(--sans); font-size: 1rem; line-height: 1.55; color: var(--mute); margin: 0 0 0.5rem; }
.rt { font-family: var(--sans); font-size: 0.85rem; color: var(--mute); }
.guide-list a:hover h3 { color: var(--link); }
.guide-list a:hover .gwrap { background: var(--lane); border-color: var(--lane); }

/* ---------- Home: how-we-work band ---------- */

.band { background: var(--road); color: #fff; }
.band-inner { padding: 3rem 1.25rem 3.25rem; }
.band h2 { color: #fff; font-size: 1.85rem; margin: 0 0 1.75rem; }
.band-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2.5rem; }
.band h3 { color: var(--lane); font-size: 1.25rem; margin: 0 0 0.5rem; }
.band p { font-family: var(--sans); color: #C9D3DF; margin: 0; font-size: 1rem; line-height: 1.6; }

/* ---------- Home: glossary ---------- */

.glossary { background: var(--paper); }
.glossary-inner { padding: 3.25rem 1.25rem 3.5rem; }
.glossary dl { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem 3.5rem; margin: 0; }
.glossary dt { font-weight: 700; font-size: 1.15rem; }
.glossary dd { margin: 0.2rem 0 0; font-family: var(--sans); color: var(--mute); font-size: 1rem; line-height: 1.55; }

/* ---------- Guide and page heads ---------- */

.article-head, .page-head { background: var(--paper); border-bottom: 1px solid var(--line); }
.article-head-inner { max-width: var(--measure); padding: 2.75rem 1.25rem 2.25rem; }
.head-icon {
  width: 56px; height: 56px; border-radius: 50%; background: var(--lane); color: var(--road);
  display: inline-flex; align-items: center; justify-content: center; margin-bottom: 1.25rem;
}
.hicon { width: 32px; height: 32px; }
.article-head h1, .page-head h1 { font-size: clamp(2rem, 4.2vw, 3rem); line-height: 1.1; margin: 0 0 0.9rem; }
.dek { font-family: var(--sans); font-size: 1.2rem; line-height: 1.55; color: var(--mute); margin: 0 0 1.1rem; }
.meta { font-family: var(--sans); font-size: 0.9rem; color: var(--mute); margin: 0; }
.edu-note {
  font-family: var(--sans); font-size: 0.9rem; line-height: 1.5; color: var(--mute);
  border-left: 3px solid var(--lane); padding-left: 0.8rem; margin: 1.1rem 0 0;
}

/* ---------- Prose ---------- */

.article-body { background: var(--paper); }
.prose { max-width: var(--measure); margin: 0 auto; padding: 2.25rem 1.25rem 3rem; }
.prose > p:first-of-type { font-size: 1.2rem; }
.prose p { margin: 0 0 1.2rem; }
.prose h2 { font-size: 1.7rem; margin: 2.4rem 0 0.8rem; scroll-margin-top: 1.5rem; }
.prose h3 { font-size: 1.25rem; margin: 1.6rem 0 0.5rem; }
.prose ul, .prose ol { padding-left: 1.4rem; margin: 0 0 1.2rem; }
.prose li { margin: 0.4rem 0; }
.prose li::marker { color: var(--lane-deep); }
.prose strong { font-weight: 700; }

.toc {
  font-family: var(--sans); background: var(--fog); border-radius: 6px; padding: 1rem 1.25rem 1.1rem; margin: 0 0 2rem;
}
.toc-title { margin: 0 0 0.35rem; font-weight: 600; font-size: 0.95rem; }
.toc ol { margin: 0; padding-left: 1.3rem; font-size: 0.98rem; }
.toc li { margin: 0.25rem 0; }
.toc a { text-decoration: none; }
.toc a:hover { text-decoration: underline; }

.example {
  font-family: var(--sans); font-size: 1rem; line-height: 1.6; background: #FFFCF0;
  border: 1px solid #F0E2B0; border-left: 4px solid var(--lane); border-radius: 6px; padding: 1rem 1.25rem; margin: 1.5rem 0;
}
.example p { margin: 0 0 0.75rem; }
.example p:last-child { margin: 0; }
.example .ex-title { font-weight: 600; color: var(--road); }

.tbl-wrap { overflow-x: auto; margin: 1.5rem 0; }
.tbl { width: 100%; border-collapse: collapse; font-family: var(--sans); font-size: 0.95rem; line-height: 1.45; }
.tbl th { text-align: left; background: var(--fog); padding: 0.65rem 0.75rem; border-bottom: 2px solid var(--line); font-weight: 600; }
.tbl td { padding: 0.65rem 0.75rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.yes { color: var(--covered); font-weight: 600; }
.no { color: var(--not); font-weight: 600; }
.maybe { color: var(--lane-deep); font-weight: 600; }

.takeaways { background: var(--road); color: #fff; border-radius: 8px; padding: 1.5rem 1.6rem 1.4rem; margin: 2.5rem 0 0; }
.takeaways h2 { color: #fff; font-size: 1.4rem; margin: 0 0 0.6rem; }
.takeaways ul { margin: 0; padding-left: 1.2rem; }
.takeaways li { color: #E3EAF2; font-family: var(--sans); font-size: 1rem; line-height: 1.55; margin: 0.45rem 0; }
.takeaways li::marker { color: var(--lane); }

.further { font-family: var(--sans); font-size: 0.95rem; color: var(--mute); margin-top: 2rem; line-height: 1.6; }
.further p { margin: 0 0 0.4rem; }
.further ul { margin: 0; padding-left: 1.2rem; }

.related { background: var(--fog); }
.related { max-width: none; }
.related h2 { font-size: 1.4rem; max-width: var(--measure); margin: 0 auto; padding: 2.25rem 1.25rem 0.5rem; }
.related-list { list-style: none; max-width: var(--measure); margin: 0 auto; padding: 0 1.25rem 2.75rem; }
.related-list li { border-top: 1px solid var(--line); }
.related-list a { display: grid; grid-template-columns: 36px 1fr; gap: 0.9rem; padding: 1rem 0; text-decoration: none; color: inherit; }
.related-list a:hover strong { color: var(--link); }
.ricon { width: 30px; height: 30px; color: var(--road); margin-top: 0.15rem; }
.rdek { font-family: var(--sans); font-size: 0.95rem; color: var(--mute); }

.nf h1 { font-size: 2.2rem; margin: 0 0 1rem; }

/* ---------- Footer ---------- */

.site-foot { background: var(--ink); color: #B9C4D1; font-family: var(--sans); font-size: 0.95rem; padding: 3rem 0 2rem; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 2.5rem; }
.foot-about p { margin: 0.9rem 0 0; line-height: 1.6; max-width: 40ch; }
.brand-foot { font-size: 1.25rem; }
.foot-h { color: #fff; font-weight: 600; margin: 0 0 0.6rem; }
.site-foot ul { list-style: none; margin: 0; padding: 0; }
.site-foot li { margin: 0.35rem 0; }
.site-foot a { color: #DCE4EE; text-decoration: none; }
.site-foot a:hover { color: #fff; text-decoration: underline; }
.notice { border-top: 3px dashed var(--lane); margin-top: 2.75rem; padding-top: 1.25rem; }
.notice p { margin: 0; font-size: 0.9rem; line-height: 1.6; color: #9FB0C2; max-width: 90ch; }
.notice strong { color: #DCE4EE; }
.copy { margin: 1.25rem 0 0; font-size: 0.85rem; color: #7F91A6; }

/* ---------- Responsive ---------- */

@media (max-width: 820px) {
  .path, .band-grid, .foot-grid { grid-template-columns: 1fr; gap: 1.75rem; }
  .guide-list, .glossary dl { grid-template-columns: 1fr; }
  .hero { padding-top: 3rem; }
  .hero .lede { margin-bottom: 2rem; }
  .start-inner, .guides-inner, .band-inner, .glossary-inner { padding-top: 2.5rem; padding-bottom: 2.5rem; }
}

@media (max-width: 480px) {
  body { font-size: 1.0625rem; }
  .brand { font-size: 1.25rem; }
  .site-nav a { padding: 0.4rem 0.5rem; font-size: 0.9rem; }
  .guide-list a { grid-template-columns: 40px 1fr; gap: 0.9rem; }
  .gwrap { width: 40px; height: 40px; }
  .gicon { width: 24px; height: 24px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .hero h1, .hero .lede, .lane-reveal, .lane path { animation: none; }
  .progress { transition: none; }
}

@media print {
  .site-head, .site-foot, .progress, .related, .toc { display: none; }
  body { background: #fff; }
}