/* ============================================================
   Insurance Guides — main stylesheet
   Fast, responsive, dependency-free.
   ============================================================ */
:root{
  --navy:#0D2A4A;
  --navy-light:#15406e;
  --teal:#12968F;
  --teal-light:#36BFB2;
  --bg:#F7F9FB;
  --card:#FFFFFF;
  --text:#1D2733;
  --text-muted:#5A6B7B;
  --border:#E3E8EE;
  --warn-bg:#FFF6E5;
  --warn-border:#F0C36D;
  --radius:10px;
  --maxw:1180px;
  --shadow:0 2px 10px rgba(13,42,74,0.06);
  --shadow-hover:0 8px 24px rgba(13,42,74,0.12);
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{color:var(--teal);text-decoration:none;}
a:hover{text-decoration:underline;}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px;}
h1,h2,h3,h4{color:var(--navy);line-height:1.25;font-weight:700;}
h1{font-size:clamp(1.7rem,4vw,2.4rem);margin:0 0 .5em;}
h2{font-size:clamp(1.25rem,2.6vw,1.55rem);margin:1.6em 0 .6em;}
h3{font-size:1.15rem;margin:1.3em 0 .5em;}
p{margin:0 0 1.1em;}
ul,ol{margin:0 0 1.1em;padding-left:1.4em;}
li{margin-bottom:.4em;}

/* Skip link */
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6em 1em;z-index:1000;border-radius:0 0 6px 0;}
.skip-link:focus{left:0;}

/* ---------- Header ---------- */
.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;max-width:var(--maxw);margin:0 auto;gap:16px;}
.brand{display:flex;align-items:center;gap:10px;}
.brand svg{height:40px;width:auto;}
.brand-text{font-weight:700;color:var(--navy);font-size:1.1rem;}

.main-nav{display:flex;}
.main-nav > ul{list-style:none;display:flex;gap:2px;margin:0;padding:0;}
.main-nav > ul > li{position:relative;}
.main-nav > ul > li > a,
.nav-toggle-btn{
  display:block;padding:10px 14px;color:var(--navy);font-weight:600;font-size:.94rem;border-radius:6px;
}
.main-nav > ul > li > a:hover,.nav-toggle-btn:hover{background:var(--bg);text-decoration:none;color:var(--teal);}
.has-dropdown{position:relative;}
.dropdown{
  display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--border);
  border-radius:var(--radius);box-shadow:var(--shadow-hover);padding:10px;min-width:600px;
  grid-template-columns:1fr 1fr;gap:4px 24px;z-index:50;
}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{display:grid;}
.dropdown-col h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--teal);margin:10px 6px 4px;}
.dropdown a{display:block;padding:7px 6px;border-radius:6px;color:var(--text);font-size:.92rem;}
.dropdown a:hover{background:var(--bg);color:var(--teal);text-decoration:none;}

.nav-toggle-btn{background:none;border:none;font:inherit;cursor:pointer;display:none;align-items:center;gap:6px;}
.mobile-only{display:none;}

/* Mobile nav */
@media (max-width:900px){
  .main-nav{position:fixed;inset:0 0 0 auto;width:min(340px,88vw);background:#fff;box-shadow:-10px 0 30px rgba(0,0,0,.15);
    transform:translateX(100%);transition:transform .25s ease;overflow-y:auto;padding:70px 0 40px;z-index:200;}
  .main-nav.open{transform:translateX(0);}
  .main-nav > ul{flex-direction:column;padding:0 10px;}
  .dropdown{display:block !important;position:static;box-shadow:none;border:none;min-width:0;grid-template-columns:1fr;padding:0 0 0 14px;}
  .has-dropdown .dropdown{max-height:0;overflow:hidden;padding-top:0;padding-bottom:0;transition:max-height .25s ease;}
  .has-dropdown.mobile-open .dropdown{max-height:1200px;padding-top:6px;padding-bottom:10px;}
  .nav-toggle-btn{display:flex;}
  .mobile-only{display:block;}
  .nav-scrim{position:fixed;inset:0;background:rgba(13,42,74,.4);opacity:0;pointer-events:none;transition:opacity .25s ease;z-index:150;}
  .nav-scrim.show{opacity:1;pointer-events:auto;}
  .menu-toggle{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;border:none;padding:9px 14px;border-radius:8px;font-weight:600;cursor:pointer;}
  .nav-close{position:absolute;top:16px;right:16px;background:none;border:none;font-size:1.6rem;line-height:1;cursor:pointer;color:var(--navy);}
}
@media (min-width:901px){.menu-toggle{display:none;}}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#123a63 60%,var(--teal) 150%);color:#fff;padding:64px 0 72px;}
.hero h1{color:#fff;max-width:820px;}
.hero p.lead{font-size:1.15rem;color:#dfe8f0;max-width:640px;margin-bottom:1.6em;}
.hero-search{display:flex;max-width:520px;gap:8px;}
.hero-search input{flex:1;padding:13px 16px;border-radius:8px;border:none;font-size:1rem;}
.hero-search button{padding:13px 20px;border-radius:8px;border:none;background:var(--teal-light);color:#06322f;font-weight:700;cursor:pointer;}
.hero-search button:hover{background:#fff;}

/* ---------- Section cards on homepage ---------- */
.section-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:22px;margin:36px 0;}
.section-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:box-shadow .2s ease,transform .2s ease;}
.section-card:hover{box-shadow:var(--shadow-hover);transform:translateY(-2px);}
.section-card .emoji{font-size:2rem;display:block;margin-bottom:8px;}
.section-card h3{margin-top:0;}
.section-card h3 a{color:var(--navy);}
.section-card h3 a:hover{color:var(--teal);text-decoration:none;}
.section-card p{color:var(--text-muted);font-size:.95rem;margin-bottom:14px;}
.section-card .sub-links{list-style:none;padding:0;margin:0;font-size:.9rem;}
.section-card .sub-links li{margin-bottom:6px;}

/* ---------- Breadcrumbs ---------- */
.breadcrumbs{font-size:.85rem;color:var(--text-muted);margin:18px 0;}
.breadcrumbs a{color:var(--text-muted);}
.breadcrumbs a:hover{color:var(--teal);}

/* ---------- Page layout ---------- */
.page-wrap{padding:36px 0 64px;}
.page-header{margin-bottom:24px;}
.page-header p.subtitle{color:var(--text-muted);font-size:1.05rem;}

/* ---------- Article listing (subsection page) ---------- */
.article-list{list-style:none;padding:0;margin:24px 0;display:grid;gap:16px;}
.article-list li{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:18px 20px;box-shadow:var(--shadow);}
.article-list a{color:var(--navy);font-weight:700;font-size:1.05rem;}
.article-list a:hover{color:var(--teal);text-decoration:none;}
.article-list p{margin:6px 0 0;color:var(--text-muted);font-size:.93rem;}

/* ---------- Article page ---------- */
.article-body{max-width:760px;}
.article-body h2{border-top:1px solid var(--border);padding-top:1em;}
.article-body h2:first-of-type{border-top:none;padding-top:0;}
.article-meta{color:var(--text-muted);font-size:.88rem;margin-bottom:18px;}

.disclaimer-box{
  background:var(--warn-bg);border:1px solid var(--warn-border);border-radius:var(--radius);
  padding:16px 18px;margin:28px 0;font-size:.92rem;color:#5c4813;max-width:760px;
}
.disclaimer-box strong{display:block;margin-bottom:4px;color:#5c4813;}

.related-links{background:#EFF7F6;border:1px solid #D7EEEC;border-radius:var(--radius);padding:18px 20px;margin:28px 0;max-width:760px;}
.related-links h3{margin-top:0;}
.related-links ul{margin-bottom:0;}

/* ---------- Calculators ---------- */
.calculator-box{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);max-width:640px;margin:20px 0 40px;}
.calc-field{margin-bottom:18px;}
.calc-field label{display:block;font-weight:600;margin-bottom:6px;color:var(--navy);}
.calc-field input{width:100%;padding:11px 12px;border:1px solid var(--border);border-radius:8px;font-size:1rem;}
.calc-field .hint{font-size:.82rem;color:var(--text-muted);margin-top:4px;}
.calc-btn{background:var(--teal);color:#fff;border:none;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1rem;cursor:pointer;}
.calc-btn:hover{background:var(--navy);}
.calc-result{margin-top:22px;padding:18px 20px;background:#EFF7F6;border:1px solid #D7EEEC;border-radius:var(--radius);display:none;}
.calc-result.show{display:block;}
.calc-result .big{font-size:1.7rem;font-weight:800;color:var(--navy);}
.calc-result .row{display:flex;justify-content:space-between;padding:5px 0;font-size:.93rem;border-bottom:1px dashed #cfe4e2;}
.calc-result .row:last-child{border-bottom:none;}

/* ---------- Contact form ---------- */
.contact-form{max-width:600px;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);}
.form-field{margin-bottom:18px;}
.form-field label{display:block;font-weight:600;margin-bottom:6px;}
.form-field input,.form-field textarea,.form-field select{width:100%;padding:11px 12px;border:1px solid var(--border);border-radius:8px;font:inherit;}
.form-field textarea{min-height:140px;resize:vertical;}
.hp-field{position:absolute;left:-9999px;top:-9999px;opacity:0;height:0;overflow:hidden;}
.form-submit{background:var(--teal);color:#fff;border:none;padding:13px 26px;border-radius:8px;font-weight:700;font-size:1rem;cursor:pointer;}
.form-submit:hover{background:var(--navy);}
.form-note{font-size:.85rem;color:var(--text-muted);margin-top:12px;}
.form-status{padding:12px 16px;border-radius:8px;margin-bottom:18px;font-size:.92rem;display:none;}
.form-status.show{display:block;}
.form-status.ok{background:#e7f6ec;color:#1e6b3a;border:1px solid #bfe6cd;}
.form-status.err{background:#fbe9e9;color:#96261f;border:1px solid #f3c6c3;}

/* ---------- Calculators section index & cards ---------- */
.calc-card-icon{font-size:2rem;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#c8d5e2;padding:48px 0 24px;margin-top:60px;}
.footer-grid{display:grid;grid-template-columns:2fr repeat(4,1fr);gap:28px;margin-bottom:36px;}
.footer-grid h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;margin:0 0 14px;}
.footer-grid ul{list-style:none;padding:0;margin:0;}
.footer-grid li{margin-bottom:8px;}
.footer-grid a{color:#c8d5e2;font-size:.9rem;}
.footer-grid a:hover{color:#fff;}
.footer-brand p{color:#a9bbcd;font-size:.9rem;max-width:280px;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:.82rem;color:#9fb2c5;display:flex;flex-wrap:wrap;gap:10px 20px;justify-content:space-between;}
.footer-bottom a{color:#9fb2c5;}
.footer-bottom a:hover{color:#fff;}
@media (max-width:800px){.footer-grid{grid-template-columns:1fr 1fr;}}

/* ---------- Misc ---------- */
.btn{display:inline-block;background:var(--teal);color:#fff;padding:11px 22px;border-radius:8px;font-weight:700;}
.btn:hover{background:var(--navy);color:#fff;text-decoration:none;}
.btn-outline{background:transparent;border:2px solid #fff;color:#fff;}
.btn-outline:hover{background:#fff;color:var(--navy);}
table{width:100%;border-collapse:collapse;margin:1em 0;}
th,td{text-align:left;padding:9px 12px;border-bottom:1px solid var(--border);}
th{color:var(--navy);}
.small-print{font-size:.85rem;color:var(--text-muted);}