:root {
  --ink: #17202a;
  --muted: #5b6777;
  --line: #dbe3ea;
  --paper: #ffffff;
  --panel: #f6f8f9;
  --panel-strong: #edf3f4;
  --navy: #12324a;
  --teal: #2f7f7b;
  --green: #557a46;
  --gold: #b68a3a;
  --red: #a34d45;
  --focus: #1e6fbe;
  --shadow: 0 14px 40px rgba(18, 50, 74, 0.12);
  color-scheme: light;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  line-height: 1.58;
}

a {
  color: var(--teal);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--navy);
}

img {
  max-width: 100%;
  display: block;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(10px);
}

.nav {
  width: min(1180px, calc(100% - 32px));
  min-height: 68px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  text-decoration: none;
  font-weight: 800;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  color: #fff;
  display: grid;
  place-items: center;
  font-weight: 900;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 18px;
  font-size: 0.95rem;
}

.nav-links a {
  color: var(--ink);
  text-decoration: none;
}

.nav-links a:hover {
  color: var(--teal);
}

.lang-switch {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 6px 10px;
  background: #fff;
}

.hero {
  position: relative;
  min-height: 620px;
  display: grid;
  align-items: end;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(90deg, rgba(255,255,255,0.97) 0%, rgba(255,255,255,0.9) 39%, rgba(255,255,255,0.52) 66%, rgba(255,255,255,0.2) 100%),
    url("/assets/insurance-desk-hero.png");
  background-size: cover;
  background-position: center;
}

.hero-inner {
  position: relative;
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
  padding: 88px 0 44px;
}

.hero-copy {
  max-width: 710px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--teal);
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
  font-size: 0.82rem;
}

h1, h2, h3 {
  color: var(--ink);
  line-height: 1.14;
  letter-spacing: 0;
}

h1 {
  margin: 0;
  font-size: clamp(2.35rem, 5vw, 4.85rem);
  max-width: 11ch;
}

h2 {
  margin: 0 0 18px;
  font-size: 2rem;
}

h3 {
  margin: 0 0 10px;
  font-size: 1.2rem;
}

.lead {
  color: #344354;
  max-width: 720px;
  font-size: 1.12rem;
}

.hero-actions,
.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 26px;
}

.button {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 1px solid var(--navy);
  border-radius: 8px;
  padding: 10px 16px;
  background: var(--navy);
  color: #fff;
  text-decoration: none;
  font-weight: 750;
}

.button.secondary {
  background: #fff;
  color: var(--navy);
}

.button.ghost {
  border-color: var(--line);
  background: transparent;
  color: var(--ink);
}

.section {
  padding: 56px 0;
}

.section.alt {
  background: var(--panel);
  border-block: 1px solid var(--line);
}

.container {
  width: min(1180px, calc(100% - 32px));
  margin: 0 auto;
}

.section-head {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 22px;
  margin-bottom: 24px;
}

.section-head p {
  max-width: 680px;
  margin: 0;
  color: var(--muted);
}

.grid {
  display: grid;
  gap: 18px;
}

.grid.cols-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid.cols-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid.cols-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.card {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  padding: 20px;
  box-shadow: 0 1px 0 rgba(18, 50, 74, 0.04);
}

.card.highlight {
  border-color: rgba(47, 127, 123, 0.35);
  background: linear-gradient(180deg, #fff, #f7fbfa);
}

.card p,
.article-body p,
.small {
  color: var(--muted);
}

.metric {
  display: flex;
  align-items: baseline;
  gap: 8px;
  color: var(--navy);
  font-weight: 850;
  font-size: 1.75rem;
}

.tag-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding: 0;
  margin: 16px 0 0;
  list-style: none;
}

.tag-list li,
.pill {
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 5px 10px;
  color: #314154;
  background: #fff;
  font-size: 0.86rem;
}

.two-col {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 340px;
  gap: 28px;
  align-items: start;
}

.article-body {
  max-width: 820px;
}

.article-body h2 {
  margin-top: 38px;
}

.article-body h3 {
  margin-top: 28px;
}

.article-body li {
  margin: 8px 0;
}

.sidebar {
  position: sticky;
  top: 92px;
}

.source-list {
  padding-left: 20px;
}

.source-list li {
  margin: 8px 0;
}

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.06fr) minmax(320px, 0.94fr);
  gap: 26px;
  align-items: start;
}

.calc-form {
  display: grid;
  gap: 14px;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

label {
  display: grid;
  gap: 6px;
  font-weight: 700;
  color: #263546;
  font-size: 0.92rem;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid #c9d4dd;
  border-radius: 8px;
  padding: 11px 12px;
  font: inherit;
  color: var(--ink);
  background: #fff;
}

input:focus,
select:focus,
textarea:focus,
button:focus,
a:focus {
  outline: 3px solid rgba(30, 111, 190, 0.22);
  outline-offset: 2px;
}

.result-panel {
  border: 1px solid rgba(47, 127, 123, 0.28);
  border-radius: 8px;
  padding: 22px;
  background: #f8fcfb;
  box-shadow: var(--shadow);
}

.result-main {
  font-size: 2.1rem;
  font-weight: 850;
  color: var(--navy);
}

.result-breakdown {
  display: grid;
  gap: 10px;
  margin-top: 18px;
}

.break-row {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 8px;
}

.email-box {
  margin-top: 20px;
  border-top: 1px solid var(--line);
  padding-top: 18px;
}

.checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-weight: 500;
}

.checkbox input {
  width: 18px;
  height: 18px;
  margin-top: 3px;
}

.notice {
  border-left: 4px solid var(--gold);
  background: #fff8e7;
  padding: 12px 14px;
  color: #594521;
  border-radius: 0 8px 8px 0;
}

.disclaimer {
  border-left: 4px solid var(--teal);
  background: #edf8f6;
  padding: 14px 16px;
  color: #24413f;
  border-radius: 0 8px 8px 0;
}

.ad-slot {
  display: none;
  min-height: 120px;
}

body.ads-ready .ad-slot {
  display: block;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: repeating-linear-gradient(45deg, #fafafa, #fafafa 8px, #f3f5f6 8px, #f3f5f6 16px);
}

.footer {
  background: #0f283b;
  color: #dbe9ed;
  padding: 42px 0;
}

.footer a {
  color: #cfe9e5;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr repeat(3, 1fr);
  gap: 24px;
}

.breadcrumbs {
  color: var(--muted);
  font-size: 0.9rem;
  margin: 20px 0;
}

.breadcrumbs a {
  color: var(--muted);
}

.page-title {
  padding: 42px 0 28px;
  background: linear-gradient(180deg, var(--panel), #fff);
  border-bottom: 1px solid var(--line);
}

.status {
  min-height: 24px;
  margin-top: 10px;
  color: var(--muted);
}

.status.ok {
  color: var(--green);
}

.status.err {
  color: var(--red);
}

@media (max-width: 900px) {
  .nav {
    align-items: flex-start;
    flex-direction: column;
    padding: 14px 0;
  }

  .nav-links {
    width: 100%;
    overflow-x: auto;
    padding-bottom: 4px;
  }

  .hero {
    min-height: 560px;
  }

  .hero::before {
    background-image:
      linear-gradient(180deg, rgba(255,255,255,0.98) 0%, rgba(255,255,255,0.9) 58%, rgba(255,255,255,0.7) 100%),
      url("/assets/insurance-desk-hero.png");
  }

  h1 {
    max-width: 12ch;
  }

  .grid.cols-2,
  .grid.cols-3,
  .grid.cols-4,
  .two-col,
  .calculator-shell,
  .field-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .sidebar {
    position: static;
  }

  .section-head {
    align-items: flex-start;
    flex-direction: column;
  }
}