/* ==========================================================================
   InsurancePolicy
   ========================================================================== */

:root{
  --brand:#2563eb;
  --brand2:#7c3aed;
  --accent:#06b6d4;

  --surface:#ffffff;
  --card:#ffffff;

  --text:#0f172a;
  --muted:rgba(15,23,42,.72);
  --muted2:rgba(15,23,42,.55);

  --line:rgba(15,23,42,.10);
  --shadow:0 16px 44px rgba(2,6,23,.10);

  --radius:18px;
  --radius2:26px;
  --max:1120px;

  --hf-surface:linear-gradient(135deg, rgba(2,6,23,.92), rgba(30,41,59,.86));
  --hf-text:#eef2ff;
  --hf-muted:rgba(238,242,255,.72);
  --hf-line:rgba(238,242,255,.14);
}

*{box-sizing:border-box}
html,body{height:100%}

body{
  margin:0;
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Inter,Arial,sans-serif;
  font-size:16px;
  line-height:1.72;
  -webkit-text-size-adjust:100%;
  color:var(--text);
  background:#ffffff;
}

img{max-width:100%;height:auto}
a{color:inherit;text-decoration:none}
.container{max-width:var(--max);margin:0 auto;padding:0 18px}

p,li{
  font-size:1.05rem;
}

p{
  margin:0 0 1rem;
}

ul,ol{
  margin:0 0 1rem;
  padding-left:22px;
}

li{
  margin:8px 0;
}

.muted{color:var(--muted)}
.muted2{color:var(--muted2)}

.sr-only{
  position:absolute;
  width:1px;
  height:1px;
  padding:0;
  margin:-1px;
  overflow:hidden;
  clip:rect(0,0,0,0);
  white-space:nowrap;
  border:0;
}

.skip-link{
  position:absolute;
  left:-999px;
  top:0;
  background:#ffffff;
  color:#000000;
  padding:10px 12px;
  border-radius:12px;
  box-shadow:var(--shadow);
}
.skip-link:focus{
  left:12px;
  top:12px;
  z-index:1000;
}

/* Header & Navigation */
.site-header{
  position:sticky;
  top:0;
  z-index:50;
  background:var(--hf-surface);
  border-bottom:1px solid var(--hf-line);
}
.site-header::after{
  content:"";
  display:block;
  height:3px;
  background:linear-gradient(90deg, var(--brand), var(--brand2), var(--accent));
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
  padding:14px 0;
}

.brand{
  display:flex;
  align-items:center;
  gap:14px;
  font-weight:800;
  white-space:nowrap;
}
.brand-logo{
  height:52px;
  width:auto;
  border-radius:14px;
  display:block;
  box-shadow:0 10px 22px rgba(37,99,235,.18);
}
.brand-text{
  font-size:18px;
  letter-spacing:.3px;
  color:var(--hf-text);
}

.nav-toggle{display:none}

.nav-toggle-btn{
  display:inline-flex;
  flex-direction:column;
  gap:5px;
  padding:10px 12px;
  border:1px solid var(--hf-line);
  border-radius:14px;
  background:rgba(238,242,255,.08);
  cursor:pointer;
}
.nav-toggle-btn span{
  display:block;
  width:20px;
  height:2px;
  background:rgba(238,242,255,.88);
  border-radius:99px;
}

.site-nav{
  position:absolute;
  left:18px;
  right:18px;
  top:72px;
  display:none;
  flex-direction:column;
  gap:8px;
  padding:12px;
  border:1px solid var(--hf-line);
  border-radius:var(--radius2);
  background:rgba(11,18,32,.96);
  box-shadow:0 18px 60px rgba(2,6,23,.45);
}
.site-nav a{
  padding:11px 12px;
  border-radius:14px;
  color:var(--hf-muted);
  font-weight:850;
  font-size:15px;
}
.site-nav a:hover{
  background:rgba(238,242,255,.08);
  color:var(--hf-text);
}
.site-nav a.is-active{
  background:rgba(37,99,235,.18);
  color:var(--hf-text);
  border:1px solid rgba(37,99,235,.25);
}
.nav-toggle:checked ~ .site-nav{
  display:flex;
}

@media (min-width:980px){
  .nav-toggle-btn{display:none}
  .site-nav{
    position:static;
    display:flex !important;
    flex-direction:row;
    gap:6px;
    padding:0;
    border:none;
    background:transparent;
    box-shadow:none;
  }
}

/* Main layout */
main{
  padding:26px 0 56px;
}

.hero{
  margin-top:18px;
  border:1px solid var(--line);
  border-radius:var(--radius2);
  background:#ffffff;
  box-shadow:var(--shadow);
  padding:22px;
}
@media (min-width:900px){
  .hero{padding:32px}
}

.hero-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:18px;
}
@media (min-width:980px){
  .hero-grid{grid-template-columns:1.2fr .8fr}
}

h1{
  margin:0 0 12px;
  font-size:clamp(2.05rem, 4.2vw, 2.85rem);
  line-height:1.15;
  letter-spacing:-0.02em;
}
h2{
  margin:30px 0 12px;
  font-size:clamp(1.45rem, 2.6vw, 1.75rem);
  letter-spacing:-0.01em;
}
h3{
  margin:18px 0 10px;
  font-size:clamp(1.18rem, 2.1vw, 1.35rem);
}

.lead{
  margin:0 0 16px;
  font-size:1.15rem;
  color:var(--muted);
  max-width:72ch;
}

/* Buttons */
.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:16px;
}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:11px 15px;
  border-radius:14px;
  border:1px solid var(--line);
  background:#ffffff;
  color:var(--text);
  font-weight:900;
  font-size:15px;
}
.btn:hover{
  transform:translateY(-1px);
}
.btn.primary{
  border:none;
  color:#ffffff;
  background:linear-gradient(135deg, var(--brand), var(--brand2));
  box-shadow:0 14px 34px rgba(37,99,235,.22);
}

/* Sections & cards */
.section{
  margin-top:22px;
}
.section-head{
  display:flex;
  justify-content:space-between;
  align-items:flex-end;
  gap:12px;
  flex-wrap:wrap;
  margin:18px 0 12px;
}
.section-head p{
  margin:0;
  color:var(--muted2);
  font-size:14px;
}

.grid{
  display:grid;
  grid-template-columns:1fr;
  gap:16px;
}
@media (min-width:860px){
  .grid{grid-template-columns:repeat(2,1fr)}
}
@media (min-width:1120px){
  .grid{grid-template-columns:repeat(3,1fr)}
}

.card{
  border:1px solid var(--line);
  border-radius:var(--radius);
  background:var(--card);
  padding:18px;
  box-shadow:0 10px 30px rgba(2,6,23,.06);
  transition:transform .15s ease, box-shadow .15s ease;
}
.card:hover{
  transform:translateY(-2px);
  box-shadow:0 18px 44px rgba(2,6,23,.12);
}
.card p{
  margin:0;
  color:var(--muted);
  font-size:1rem;
}

.badges{
  display:flex;
  gap:8px;
  flex-wrap:wrap;
  margin-top:12px;
}
.badge{
  border:1px solid rgba(37,99,235,.16);
  background:rgba(37,99,235,.06);
  color:rgba(15,23,42,.72);
  padding:6px 10px;
  border-radius:999px;
  font-size:12px;
  font-weight:900;
}

/* Content panels */
.content{
  margin-top:22px;
  display:grid;
  grid-template-columns:1fr;
  gap:16px;
}
@media (min-width:980px){
  .content{grid-template-columns:1.4fr .6fr}
}

.section.content > .section-head,
.section.content > ul,
.section.content > ol,
.section.content > p,
.section.content > .ad-slot{
  grid-column:1 / -1;
}

.section ul,
.section ol{
  margin:10px 0 0;
  padding-left:22px;
}

.section li{
  margin:8px 0;
}

.panel{
  border:1px solid var(--line);
  border-radius:var(--radius2);
  background:var(--surface);
  padding:20px;
  box-shadow:0 10px 30px rgba(2,6,23,.06);
}

.toc a{
  display:block;
  padding:9px 11px;
  border-radius:12px;
  font-weight:900;
  font-size:14px;
  color:var(--muted);
}
.toc a:hover{
  background:rgba(37,99,235,.06);
  color:var(--text);
}

.note{
  border:1px dashed rgba(37,99,235,.38);
  background:rgba(37,99,235,.06);
  padding:14px 16px;
  border-radius:16px;
  color:var(--muted);
  font-size:1rem;
}
.note strong{
  color:var(--text);
}

/* FAQ */
.faq details{
  border:1px solid var(--line);
  border-radius:16px;
  background:var(--surface);
  padding:14px 16px;
  margin:12px 0;
  box-shadow:0 10px 30px rgba(2,6,23,.05);
}
.faq summary{
  cursor:pointer;
  font-weight:950;
  font-size:1.05rem;
}
.faq p{
  margin:12px 0 0;
  color:var(--muted);
}

/* Footer */
.site-footer{
  border-top:1px solid var(--hf-line);
  padding:28px 0 12px;
  background:rgba(11,18,32,.96);
  color:var(--hf-text);
}
.site-footer .muted{
  color:var(--hf-muted);
}

.footer-grid{
  display:grid;
  grid-template-columns:1fr;
  gap:18px;
}
@media (min-width:980px){
  .footer-grid{grid-template-columns:1fr 1fr}
}

.footer-logo-row{
  display:flex;
  align-items:center;
  gap:14px;
}
.footer-logo{
  height:42px;
  width:auto;
  border-radius:14px;
}

.footer-links{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px;
}
@media (min-width:980px){
  .footer-links{grid-template-columns:repeat(3,1fr)}
}

.footer-links a{
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  color:var(--hf-muted);
  font-weight:900;
  font-size:14px;
  padding:10px 14px;
  border-radius:12px;
  border:1px solid rgba(238,242,255,.12);
  background:rgba(238,242,255,.04);
  transition:all .18s ease;
  min-height:40px;
}
.footer-links a:hover{
  background:rgba(238,242,255,.08);
  color:var(--hf-text);
  transform:translateY(-1px);
}

/* AdSense helper */
.ad-slot{
  border:1px dashed rgba(15,23,42,.18);
  background:rgba(15,23,42,.03);
  border-radius:16px;
  padding:14px;
  margin:18px 0;
}

/* Contact form */
.contact-form{
  display:grid;
  gap:14px;
}
.contact-form label{
  display:grid;
  gap:6px;
}
.contact-form input,
.contact-form textarea{
  padding:12px 14px;
  border-radius:12px;
  border:1px solid var(--line);
  font-size:1rem;
  font-family:inherit;
}
.contact-form input:focus,
.contact-form textarea:focus{
  outline:none;
  border-color:var(--brand);
}

/* Banner */
.site-banner{
  --banner-image:none;
  position:relative;
  width:100%;
  overflow:hidden;
  border-radius:16px;
  background:#f3f5f9;
}
.site-banner__media{
  width:100%;
  height:clamp(220px, 32vw, 520px);
  background-image:var(--banner-image);
  background-size:cover;
  background-position:center;
  background-repeat:no-repeat;
}

@media (max-width:600px){
  .site-banner{
    border-radius:12px;
  }
}