:root {
  --ink: #17202b;
  --muted: #596778;
  --paper: #fffdf9;
  --surface: #ffffff;
  --soft: #f2f6f5;
  --line: #d9e2e1;
  --brand: #0b5f59;
  --brand-dark: #083f3c;
  --accent: #e7a83e;
  --auto: #0f766e;
  --home: #b45309;
  --life: #6d28d9;
  --shadow: 0 18px 55px rgba(20, 43, 49, 0.11);
  --radius: 1.25rem;
  --content: 74rem;
  --article: 47rem;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background:
    radial-gradient(circle at 8% 2%, rgba(15, 118, 110, 0.08), transparent 28rem),
    var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 1rem;
  line-height: 1.68;
  text-rendering: optimizeLegibility;
}

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

a {
  color: var(--brand);
  text-decoration-thickness: 0.09em;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--brand-dark);
}

a:focus-visible,
button:focus-visible,
input:focus-visible {
  outline: 3px solid #f5bb59;
  outline-offset: 3px;
}

.skip-link {
  position: fixed;
  left: 1rem;
  top: -6rem;
  z-index: 100;
  border-radius: 0.4rem;
  background: var(--ink);
  color: white;
  padding: 0.75rem 1rem;
}

.skip-link:focus {
  top: 1rem;
}

.site-header {
  border-bottom: 1px solid rgba(217, 226, 225, 0.9);
  background: rgba(255, 253, 249, 0.94);
  backdrop-filter: blur(12px);
}

.nav-shell {
  display: flex;
  width: min(calc(100% - 2rem), var(--content));
  min-height: 4.8rem;
  margin: auto;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--ink);
  font-weight: 800;
  letter-spacing: -0.025em;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 2.35rem;
  height: 2.35rem;
  place-items: center;
  border-radius: 0.75rem 0.75rem 0.75rem 0.2rem;
  background: var(--brand);
  color: white;
  box-shadow: 0 7px 18px rgba(11, 95, 89, 0.22);
}

.brand-mark svg {
  width: 1.3rem;
  height: 1.3rem;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: flex-end;
  gap: 0.4rem;
}

.site-nav a {
  border-radius: 999px;
  color: var(--ink);
  font-size: 0.9rem;
  font-weight: 700;
  padding: 0.5rem 0.72rem;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  background: var(--soft);
  color: var(--brand);
}

.shell {
  width: min(calc(100% - 2rem), var(--content));
  margin-inline: auto;
}

.hero {
  display: grid;
  min-height: 31rem;
  align-items: center;
  padding-block: clamp(3.5rem, 9vw, 7rem);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(17rem, 0.8fr);
  align-items: center;
  gap: clamp(2rem, 6vw, 6rem);
}

.eyebrow,
.category-kicker {
  margin: 0 0 0.7rem;
  color: var(--brand);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.15;
}

h1 {
  max-width: 17ch;
  margin: 0;
  font-size: clamp(2.55rem, 6.5vw, 5.5rem);
  letter-spacing: -0.055em;
}

.hero-copy {
  max-width: 42rem;
  margin: 1.25rem 0 0;
  color: var(--muted);
  font-size: clamp(1.05rem, 2vw, 1.25rem);
}

.hero-actions,
.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.75rem;
}

.button {
  display: inline-flex;
  min-height: 2.9rem;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--brand);
  border-radius: 999px;
  background: var(--brand);
  color: white;
  font-weight: 800;
  padding: 0.65rem 1.05rem;
  text-decoration: none;
}

.button:hover {
  background: var(--brand-dark);
  color: white;
}

.button.secondary {
  background: transparent;
  color: var(--brand);
}

.button.secondary:hover {
  background: var(--soft);
  color: var(--brand-dark);
}

.hero-visual {
  position: relative;
  display: grid;
  min-height: 23rem;
  place-items: center;
}

.hero-orbit {
  position: absolute;
  width: min(23rem, 80vw);
  aspect-ratio: 1;
  border: 1px solid #cddcda;
  border-radius: 50%;
}

.hero-shield {
  position: relative;
  display: grid;
  width: 11.5rem;
  aspect-ratio: 0.88;
  place-items: center;
  border-radius: 44% 44% 55% 55% / 30% 30% 67% 67%;
  background: var(--brand);
  color: white;
  box-shadow: var(--shadow);
}

.hero-shield svg {
  width: 5rem;
}

.orbit-card {
  position: absolute;
  display: flex;
  min-width: 8.2rem;
  align-items: center;
  gap: 0.55rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: white;
  box-shadow: 0 12px 30px rgba(24, 48, 54, 0.12);
  color: var(--ink);
  font-weight: 800;
  padding: 0.65rem 0.8rem;
}

.orbit-card span {
  display: grid;
  width: 2rem;
  height: 2rem;
  place-items: center;
  border-radius: 50%;
  color: white;
}

.orbit-card svg {
  width: 1.1rem;
  height: 1.1rem;
}

.orbit-card.auto {
  left: 0;
  top: 2rem;
}

.orbit-card.auto span {
  background: var(--auto);
}

.orbit-card.home {
  right: 0;
  top: 7.5rem;
}

.orbit-card.home span {
  background: var(--home);
}

.orbit-card.life {
  bottom: 1.8rem;
  left: 1.4rem;
}

.orbit-card.life span {
  background: var(--life);
}

.section {
  padding-block: clamp(3rem, 7vw, 5.8rem);
}

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

.section-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 1.5rem;
  margin-bottom: 1.7rem;
}

.section-heading h2,
.page-heading h1 {
  margin: 0;
  font-size: clamp(2rem, 4.5vw, 3.45rem);
  letter-spacing: -0.04em;
}

.section-heading p,
.page-heading > p {
  max-width: 42rem;
  margin: 0.55rem 0 0;
  color: var(--muted);
}

.category-grid,
.article-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}

.category-card,
.article-card {
  position: relative;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: 0 12px 35px rgba(35, 53, 55, 0.055);
}

.category-card {
  display: flex;
  min-height: 20rem;
  flex-direction: column;
  padding: 1.5rem;
}

.category-card:hover,
.article-card:hover {
  border-color: #9cb6b2;
  box-shadow: 0 17px 42px rgba(35, 53, 55, 0.1);
  transform: translateY(-2px);
}

.category-icon {
  display: grid;
  width: 3rem;
  height: 3rem;
  place-items: center;
  border-radius: 0.95rem;
  color: white;
}

.category-icon svg {
  width: 1.45rem;
  height: 1.45rem;
}

.category-card.auto .category-icon {
  background: var(--auto);
}

.category-card.homeowners .category-icon {
  background: var(--home);
}

.category-card.life .category-icon {
  background: var(--life);
}

.category-card h3 {
  margin: 1.2rem 0 0.7rem;
  font-size: 1.65rem;
}

.category-card p {
  margin: 0 0 1.5rem;
  color: var(--muted);
}

.category-card a {
  margin-top: auto;
  font-weight: 800;
}

.article-card {
  display: flex;
  min-height: 17rem;
  flex-direction: column;
  padding: 1.25rem;
}

.article-card .label {
  align-self: flex-start;
  border-radius: 999px;
  background: var(--soft);
  color: var(--brand);
  font-size: 0.75rem;
  font-weight: 850;
  letter-spacing: 0.05em;
  padding: 0.28rem 0.55rem;
  text-transform: uppercase;
}

.article-card h3 {
  margin: 1rem 0 0.65rem;
  font-size: 1.35rem;
}

.article-card h3 a {
  color: var(--ink);
  text-decoration: none;
}

.article-card h3 a::after {
  position: absolute;
  inset: 0;
  content: "";
}

.article-card p {
  display: -webkit-box;
  overflow: hidden;
  margin: 0;
  color: var(--muted);
  -webkit-box-orient: vertical;
  -webkit-line-clamp: 3;
}

.card-meta {
  display: flex;
  justify-content: space-between;
  gap: 0.8rem;
  margin-top: auto;
  padding-top: 1.2rem;
  color: #687687;
  font-size: 0.82rem;
}

.search-panel {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
  box-shadow: var(--shadow);
  padding: clamp(1.15rem, 3vw, 2rem);
}

.search-label {
  display: block;
  margin-bottom: 0.45rem;
  font-weight: 800;
}

.search-input {
  width: 100%;
  min-height: 3.25rem;
  border: 1px solid #aabbb9;
  border-radius: 0.75rem;
  background: #fff;
  color: var(--ink);
  font: inherit;
  padding: 0.7rem 0.9rem;
}

.filter-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  margin: 1rem 0 1.5rem;
}

.filter-button {
  min-height: 2.55rem;
  border: 1px solid #a9bbb8;
  border-radius: 999px;
  background: white;
  color: var(--ink);
  cursor: pointer;
  font: inherit;
  font-size: 0.9rem;
  font-weight: 800;
  padding: 0.45rem 0.85rem;
}

.filter-button:hover,
.filter-button[aria-pressed="true"] {
  border-color: var(--brand);
  background: var(--brand);
  color: white;
}

.search-status {
  min-height: 1.6rem;
  margin: 0 0 1rem;
  color: var(--muted);
  font-size: 0.9rem;
}

[hidden] {
  display: none !important;
}

.page-hero {
  padding-block: clamp(3rem, 7vw, 5.5rem);
}

.page-heading {
  max-width: 54rem;
}

.breadcrumbs {
  margin: 0 0 1.7rem;
  color: var(--muted);
  font-size: 0.88rem;
}

.breadcrumbs ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.breadcrumbs li:not(:last-child)::after {
  margin-left: 0.4rem;
  color: #94a29f;
  content: "/";
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, var(--article)) minmax(14rem, 1fr);
  align-items: start;
  gap: clamp(2rem, 6vw, 5rem);
}

.article-header h1 {
  max-width: 22ch;
  font-size: clamp(2.35rem, 5.8vw, 4.75rem);
}

.article-summary {
  max-width: 44rem;
  margin: 1.2rem 0 0;
  color: var(--muted);
  font-size: clamp(1.08rem, 2vw, 1.23rem);
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1.2rem;
  margin: 1.3rem 0 0;
  color: #667484;
  font-size: 0.9rem;
}

.article-body {
  font-size: 1.055rem;
}

.article-body h2 {
  margin: 3.1rem 0 1rem;
  font-size: clamp(1.8rem, 3.5vw, 2.4rem);
  letter-spacing: -0.03em;
  scroll-margin-top: 2rem;
}

.article-body h3 {
  margin: 2rem 0 0.75rem;
  font-size: 1.35rem;
  scroll-margin-top: 2rem;
}

.article-body p,
.article-body ul,
.article-body ol {
  margin-block: 0 1.25rem;
}

.article-body li + li {
  margin-top: 0.55rem;
}

.scenario {
  margin: 2rem 0;
  border-left: 5px solid var(--accent);
  border-radius: 0 0.9rem 0.9rem 0;
  background: #fff7e7;
  padding: 1.2rem 1.35rem 0.1rem;
}

.scenario h3 {
  margin-top: 0;
}

.takeaways,
.cta-box {
  margin: 3rem 0;
  border-radius: var(--radius);
  background: var(--brand-dark);
  color: white;
  padding: clamp(1.3rem, 4vw, 2rem);
}

.takeaways h2,
.cta-box h2 {
  margin-top: 0;
  color: white;
}

.takeaways a,
.cta-box a {
  color: #ffe0a6;
}

.faq-list details {
  border-top: 1px solid var(--line);
  padding-block: 1rem;
}

.faq-list details:last-child {
  border-bottom: 1px solid var(--line);
}

.faq-list summary {
  cursor: pointer;
  color: var(--ink);
  font-weight: 800;
}

.faq-list details p {
  margin: 0.75rem 0 0;
}

.sources-list {
  padding-left: 1.2rem;
}

.sources-list li {
  overflow-wrap: anywhere;
}

.article-aside {
  position: sticky;
  top: 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
  padding: 1.25rem;
}

.article-aside h2 {
  margin: 0 0 0.8rem;
  font-family: inherit;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.article-aside ol {
  margin: 0;
  padding-left: 1.15rem;
}

.article-aside li + li {
  margin-top: 0.45rem;
}

.article-aside a {
  font-size: 0.9rem;
  font-weight: 700;
}

.related-list,
.article-nav {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.8rem;
}

.related-link,
.article-nav a {
  border: 1px solid var(--line);
  border-radius: 0.9rem;
  background: white;
  color: var(--ink);
  font-weight: 750;
  padding: 1rem;
  text-decoration: none;
}

.related-link:hover,
.article-nav a:hover {
  border-color: #91aca8;
  color: var(--brand);
}

.article-nav {
  grid-template-columns: 1fr 1fr;
  margin-top: 2.5rem;
}

.article-nav .next {
  text-align: right;
}

.nav-direction {
  display: block;
  color: var(--muted);
  font-size: 0.75rem;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.site-footer {
  margin-top: 4rem;
  background: #13292b;
  color: #dce7e6;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(12rem, 0.7fr) minmax(16rem, 1.3fr);
  gap: 2rem;
  padding-block: 3.4rem;
}

.site-footer .brand {
  color: white;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1rem;
  margin-top: 1rem;
}

.footer-links a {
  color: #fff1cf;
}

.disclaimer {
  margin: 0;
  color: #c1cfcd;
  font-size: 0.88rem;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  color: #aebfbc;
  font-size: 0.78rem;
  padding-block: 1rem;
}

.not-found {
  display: grid;
  min-height: 62vh;
  place-items: center;
  text-align: center;
}

.not-found h1 {
  max-width: none;
}

@media (max-width: 860px) {
  .hero-grid,
  .article-layout {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    order: -1;
    min-height: 20rem;
  }

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

  .article-aside {
    position: static;
    order: -1;
  }

  .article-aside ol {
    columns: 2;
  }
}

@media (max-width: 600px) {
  .nav-shell {
    min-height: auto;
    align-items: flex-start;
    flex-direction: column;
    padding-block: 0.85rem;
  }

  .site-nav {
    width: 100%;
    justify-content: flex-start;
  }

  .site-nav a {
    padding-inline: 0;
    margin-right: 0.8rem;
  }

  .hero {
    padding-top: 2.25rem;
  }

  .hero-visual {
    transform: scale(0.86);
  }

  .category-grid,
  .article-grid,
  .related-list,
  .article-nav,
  .footer-grid {
    grid-template-columns: 1fr;
  }

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

  .article-aside ol {
    columns: 1;
  }

  .article-nav .next {
    text-align: left;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}