/* ==========================================================================
   Insureopedia — shared design system
   Open insurance & risk knowledge platform
   ========================================================================== */

:root {
  /* Brand palette */
  --navy:      #0e2438;
  --navy-2:    #14314b;
  --indigo:    #1b4a73;
  --teal:      #12a3a3;
  --teal-dk:   #0c7d7d;
  --amber:     #eaa300;
  --coral:     #e2593f;

  /* Neutrals */
  --ink:       #16232f;
  --ink-soft:  #3c4c5a;
  --muted:     #6a7b8a;
  --line:      #e2e8ee;
  --line-soft: #eef2f6;
  --bg:        #f6f9fc;
  --bg-alt:    #eef3f8;
  --card:      #ffffff;

  /* NRI 5-class rating ramp (Very Low -> Very High) */
  --r-vlow:  #2c7fb8;
  --r-low:   #7fcdbb;
  --r-mod:   #ffffb2;
  --r-high:  #fd8d3c;
  --r-vhigh: #d7191c;

  --radius:    14px;
  --radius-sm: 9px;
  --shadow:    0 1px 2px rgba(16,35,52,.06), 0 8px 24px rgba(16,35,52,.07);
  --shadow-lg: 0 12px 40px rgba(16,35,52,.16);
  --maxw:      1180px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --mono: "SFMono-Regular", ui-monospace, "Cascadia Code", Consolas, monospace;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--indigo); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { line-height: 1.2; color: var(--navy); font-weight: 700; margin: 0 0 .5em; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); letter-spacing: -.015em; }
h3 { font-size: 1.2rem; }
p  { margin: 0 0 1rem; }
code, kbd { font-family: var(--mono); font-size: .9em; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }
.muted { color: var(--muted); }
.center { text-align: center; }
.eyebrow {
  text-transform: uppercase; letter-spacing: .14em; font-size: .74rem;
  font-weight: 700; color: var(--teal-dk);
}

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5em;
  padding: .72em 1.3em; border-radius: 999px; font-weight: 600; font-size: .95rem;
  border: 1px solid transparent; cursor: pointer; transition: .16s ease;
  text-decoration: none; white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--teal-dk); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.35); }
.btn-ghost:hover { background: rgba(255,255,255,.1); }
.btn-outline { background: #fff; color: var(--indigo); border-color: var(--line); }
.btn-outline:hover { border-color: var(--teal); color: var(--teal-dk); }

/* ---------- header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(14,36,56,.96);
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.nav {
  display: flex; align-items: center; gap: 1.5rem;
  height: 62px;
}
.brand {
  display: flex; align-items: center; gap: .6rem; margin-right: auto;
  color: #fff; font-weight: 800; font-size: 1.22rem; letter-spacing: -.01em;
}
.brand:hover { text-decoration: none; }
.brand .mark { width: 30px; height: 30px; flex: none; }
.brand b { color: var(--teal); font-weight: 800; }
.nav-links { display: flex; align-items: center; gap: .35rem; list-style: none; margin: 0; padding: 0; }
.nav-links a {
  color: #cdd8e3; font-weight: 500; font-size: .93rem; padding: .5em .8em;
  border-radius: 8px; transition: .15s;
}
.nav-links a:hover { color: #fff; background: rgba(255,255,255,.08); text-decoration: none; }
.nav-links a.active { color: #fff; background: rgba(18,163,163,.22); }
.nav-toggle {
  display: none; background: none; border: 0; color: #fff; cursor: pointer; padding: .4em;
}
@media (max-width: 820px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 62px; left: 0; right: 0; flex-direction: column;
    align-items: stretch; gap: 0; background: var(--navy);
    border-bottom: 1px solid rgba(255,255,255,.1);
    max-height: 0; overflow: hidden; transition: max-height .25s ease;
  }
  .nav-links.open { max-height: 360px; }
  .nav-links a { padding: .9em 22px; border-radius: 0; }
}

/* ---------- hero ---------- */
.hero {
  background:
    radial-gradient(1100px 500px at 80% -10%, rgba(18,163,163,.28), transparent 60%),
    radial-gradient(900px 500px at 0% 110%, rgba(27,74,115,.5), transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 60%, var(--indigo) 100%);
  color: #eaf1f7; position: relative; overflow: hidden;
}
.hero::after {
  content:""; position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 44px 44px; -webkit-mask-image: linear-gradient(180deg,#000,transparent 75%);
          mask-image: linear-gradient(180deg,#000,transparent 75%);
  pointer-events:none;
}
.hero-inner { position: relative; padding: clamp(3.2rem, 8vw, 6rem) 0 clamp(3rem,7vw,5rem); max-width: 760px; }
.hero h1 { color: #fff; margin-bottom: .35em; }
.hero .lede { font-size: clamp(1.05rem,2.2vw,1.3rem); color: #c9d7e4; margin-bottom: 1.7rem; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: .8rem; }
.hero .trust {
  margin-top: 2.4rem; display: flex; flex-wrap: wrap; gap: .5rem 1.4rem;
  font-size: .82rem; color: #a9bccd;
}
.hero .trust span { display: inline-flex; align-items: center; gap: .4em; }

/* ---------- sections ---------- */
.section { padding: clamp(3rem, 6vw, 5rem) 0; }
.section-head { max-width: 680px; margin: 0 auto 2.6rem; text-align: center; }
.section-head p { color: var(--ink-soft); font-size: 1.06rem; }
.bg-alt { background: var(--bg-alt); }
.bg-navy { background: var(--navy); color: #dbe6f0; }
.bg-navy h2 { color: #fff; }

/* ---------- cards / grid ---------- */
.grid { display: grid; gap: 1.4rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow); transition: .18s ease;
  display: flex; flex-direction: column;
}
.card.link-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: #cfe0dd; }
.card .ico {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(140deg, var(--teal), var(--indigo)); color: #fff; margin-bottom: 1rem;
}
.card .ico svg { width: 24px; height: 24px; }
.card h3 { margin-bottom: .35rem; }
.card p { color: var(--ink-soft); font-size: .95rem; margin-bottom: 1rem; }
.card .card-foot { margin-top: auto; }
.tag {
  display: inline-block; font-size: .68rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .08em; padding: .25em .6em; border-radius: 6px;
  background: var(--line-soft); color: var(--muted);
}
.tag.live { background: #e2f7f1; color: var(--teal-dk); }
.tag.soon { background: #fdf2e0; color: #a9741a; }

/* ---------- stat band ---------- */
.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 1.2rem; }
@media (max-width: 720px){ .stats{ grid-template-columns: repeat(2,1fr);} }
.stat { text-align: center; }
.stat .n { font-size: clamp(1.8rem,4vw,2.6rem); font-weight: 800; color: #fff; letter-spacing: -.02em; }
.stat .l { font-size: .82rem; color: #a9bccd; text-transform: uppercase; letter-spacing: .08em; }

/* ---------- source table ---------- */
.src-table { width: 100%; border-collapse: collapse; font-size: .92rem; background: var(--card);
  border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.src-table th, .src-table td { text-align: left; padding: .85rem 1rem; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
.src-table thead th { background: var(--bg-alt); color: var(--navy); font-size: .78rem; text-transform: uppercase; letter-spacing: .06em; }
.src-table tr:last-child td { border-bottom: 0; }
.src-table .lic { white-space: nowrap; font-size: .8rem; color: var(--teal-dk); font-weight: 600; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy); color: #b7c6d4; padding: 3rem 0 2rem; margin-top: 0; }
.site-footer a { color: #cdd8e3; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; }
@media (max-width: 780px){ .footer-grid{ grid-template-columns: 1fr 1fr; } }
.footer-grid h4 { color: #fff; font-size: .8rem; text-transform: uppercase; letter-spacing: .09em; margin-bottom: .9rem; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: .5rem; font-size: .9rem; }
.footer-brand .brand { margin-bottom: .8rem; }
.footer-brand p { font-size: .9rem; color: #96a8b8; max-width: 30ch; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1); margin-top: 2.2rem; padding-top: 1.4rem;
  display: flex; flex-wrap: wrap; gap: .6rem 1.2rem; justify-content: space-between;
  font-size: .82rem; color: #8598; color: #8fa1b1;
}
.disclaimer { font-size: .78rem; color: #7e9; color: #7f93a4; max-width: 70ch; }

/* ---------- rating chip ---------- */
.chip {
  display: inline-flex; align-items: center; gap: .4em; font-weight: 600; font-size: .82rem;
  padding: .2em .7em; border-radius: 999px; border: 1px solid transparent;
}
.chip::before { content:""; width: 9px; height: 9px; border-radius: 50%; background: currentColor; opacity:.9; }
.rt-vlow  { color: #1f6f9c; background: #e4f0f8; }
.rt-low   { color: #2f8f7b; background: #e2f4ee; }
.rt-mod   { color: #9a7d18; background: #fbf3d6; }
.rt-high  { color: #b8591f; background: #fbe8d8; }
.rt-vhigh { color: #b21f24; background: #f9e0e1; }
.rt-na    { color: #7a8794; background: #eef1f4; }

/* ---------- utilities ---------- */
.flow > * + * { margin-top: 1rem; }
.pill-note {
  display:inline-flex; gap:.5em; align-items:center; background:#eef7f6; color: var(--teal-dk);
  border:1px solid #cdeae5; padding:.5em .9em; border-radius:10px; font-size:.86rem;
}
.skip-link { position:absolute; left:-999px; }
.skip-link:focus { left:12px; top:8px; background:#fff; padding:.5em 1em; border-radius:8px; z-index:100; }