/* ===========================================================
   insurancein.biz — "Field Ledger" design system
   Palette: cool paper + deep ink + teal action + coral alert
   Type: Fraunces (display) / Inter (body) / IBM Plex Mono (data)
   =========================================================== */

:root {
  --paper: #EAE8DE;
  --paper-deep: #E1DECF;
  --card: #F7F6F0;
  --ink: #16233A;
  --ink-soft: #4B5768;
  --ink-faint: #7C8797;
  --line: #CFC9B8;
  --line-soft: #DEDACB;
  --teal: #245C5C;
  --teal-deep: #163D3D;
  --teal-tint: #E4EEEC;
  --coral: #BF4E2E;
  --coral-tint: #F6E4DD;
  --amber: #A9791F;
  --amber-tint: #F3E9D2;
  --radius: 3px;
  --max: 1080px;
  --shadow: 0 1px 0 rgba(22,35,58,0.06);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Fraunces', Georgia, serif;
  color: var(--ink);
  line-height: 1.15;
  margin: 0 0 0.5em 0;
  font-weight: 600;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); font-weight: 560; }
h2 { font-size: clamp(1.5rem, 3vw, 2.15rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em 0; color: var(--ink-soft); }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 2px;
}
strong { color: var(--ink); }
.mono, .figure, .num { font-family: 'IBM Plex Mono', 'Courier New', monospace; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 760px; margin: 0 auto; padding: 0 24px; }

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute; left: -999px; top: 0; background: var(--ink); color: var(--paper);
  padding: 10px 16px; z-index: 999;
}
.skip-link:focus { left: 12px; top: 12px; }

/* ---------- Top bar / ticker ---------- */
.topbar {
  background: var(--ink); color: var(--paper);
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12.5px;
  letter-spacing: 0.04em;
  padding: 7px 0;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.topbar a { color: var(--paper); opacity: 0.85; }
.topbar a:hover { opacity: 1; }

/* ---------- Header / nav ---------- */
header.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 50;
  backdrop-filter: blur(6px);
}
.nav-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 0;
  gap: 20px;
}
.logo {
  font-family: 'Fraunces', serif;
  font-weight: 600;
  font-size: 1.35rem;
  color: var(--ink);
  display: flex; align-items: baseline; gap: 8px;
  white-space: nowrap;
}
.logo .dot { color: var(--coral); }
.logo span.tag {
  font-family: 'IBM Plex Mono', monospace;
  font-size: 10px; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--ink-faint); font-weight: 400;
  border: 1px solid var(--line); border-radius: 20px; padding: 3px 8px;
}
nav.main-nav { display: flex; gap: 28px; align-items: center; flex-wrap: wrap; }
nav.main-nav a {
  color: var(--ink-soft); font-size: 15px; font-weight: 500;
}
nav.main-nav a:hover { color: var(--teal); text-decoration: none; }
nav.main-nav a.current { color: var(--ink); border-bottom: 2px solid var(--coral); padding-bottom: 3px; }
.nav-cta {
  background: var(--teal); color: #fff !important; padding: 9px 18px; border-radius: var(--radius);
  font-weight: 600; font-size: 14px !important;
}
.nav-cta:hover { background: var(--teal-deep); text-decoration: none !important; }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: var(--radius); padding: 8px 10px; cursor: pointer; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--teal); color: #fff; border: none;
  padding: 13px 26px; border-radius: var(--radius);
  font-weight: 600; font-size: 15.5px; cursor: pointer;
  font-family: inherit;
}
.btn:hover { background: var(--teal-deep); text-decoration: none; }
.btn.secondary { background: transparent; color: var(--ink); border: 1px solid var(--ink); }
.btn.secondary:hover { background: var(--ink); color: #fff; }
.btn.coral { background: var(--coral); }
.btn.coral:hover { background: #9c3d22; }
.btn.block { width: 100%; justify-content: center; }
.btn:disabled { opacity: 0.5; cursor: not-allowed; }

/* ---------- Hero ---------- */
.hero {
  padding: 64px 0 56px;
  border-bottom: 1px solid var(--line);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.eyebrow {
  font-family: 'IBM Plex Mono', monospace; font-size: 12.5px; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--teal); font-weight: 600;
  display: flex; align-items: center; gap: 8px; margin-bottom: 14px;
}
.eyebrow::before { content: ''; width: 18px; height: 1px; background: var(--coral); display: inline-block; }
.hero p.lead { font-size: 1.15rem; max-width: 46ch; }
.hero-actions { display: flex; gap: 14px; margin-top: 26px; flex-wrap: wrap; }
.hero-meta { display: flex; gap: 24px; margin-top: 34px; flex-wrap: wrap; }
.hero-meta div { font-family: 'IBM Plex Mono', monospace; font-size: 12.5px; color: var(--ink-faint); }
.hero-meta strong { display: block; font-family: 'Fraunces', serif; font-size: 1.5rem; color: var(--ink); font-weight: 600; }

/* Ledger card — the signature visual element */
.ledger {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.ledger-head {
  background: var(--ink); color: var(--paper);
  padding: 14px 20px;
  font-family: 'IBM Plex Mono', monospace; font-size: 11.5px; letter-spacing: 0.08em; text-transform: uppercase;
  display: flex; justify-content: space-between;
}
.ledger-body { padding: 22px 22px 8px; }
.ledger-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 12px 0; border-top: 1px dashed var(--line);
}
.ledger-row:first-child { border-top: none; }
.ledger-row .label { color: var(--ink-soft); font-size: 14.5px; }
.ledger-row .val { font-family: 'IBM Plex Mono', monospace; font-weight: 600; color: var(--ink); font-size: 15px; }
.ledger-row .val.alert { color: var(--coral); }
.ledger-foot { border-top: 1px solid var(--line); padding: 16px 20px; background: var(--paper-deep); font-size: 13px; color: var(--ink-faint); }

/* ---------- Sections ---------- */
section { padding: 64px 0; }
section.tight { padding: 40px 0; }
section.alt { background: var(--card); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 640px; margin-bottom: 40px; }
.section-head .eyebrow { margin-bottom: 10px; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }

.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px;
}
.card h3 { margin-bottom: 10px; }
.card .num-tag {
  font-family: 'IBM Plex Mono', monospace; font-size: 12px; color: var(--coral);
  border: 1px solid var(--coral); border-radius: 20px; padding: 2px 9px; display: inline-block; margin-bottom: 14px;
}

/* ---------- Share / bookmark bar ---------- */
.share-bar {
  display: flex; align-items: center; gap: 14px; flex-wrap: wrap;
  padding: 16px 20px;
  background: var(--teal-tint); border: 1px solid var(--line); border-radius: var(--radius);
  margin: 22px 0;
}
.share-bar .txt { font-size: 14px; color: var(--ink-soft); font-weight: 500; margin-right: 4px; }
.share-icons { display: flex; gap: 10px; }
.share-icons a, .share-icons button {
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--ink); color: #fff;
  display: flex; align-items: center; justify-content: center;
  border: none; cursor: pointer;
}
.share-icons a:hover, .share-icons button:hover { background: var(--teal-deep); }
.bookmark-link { font-weight: 600; color: var(--teal); font-size: 14px; }

/* ---------- Tool ---------- */
.tool-shell {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden;
}
.tool-progress { display: flex; background: var(--paper-deep); }
.tool-progress .step {
  flex: 1; text-align: center; padding: 12px 6px;
  font-family: 'IBM Plex Mono', monospace; font-size: 11px; letter-spacing: 0.05em; text-transform: uppercase;
  color: var(--ink-faint); border-bottom: 3px solid var(--line);
}
.tool-progress .step.active { color: var(--teal); border-bottom-color: var(--teal); font-weight: 600; }
.tool-progress .step.done { color: var(--ink); border-bottom-color: var(--coral); }
.tool-body { padding: 36px 40px; }
.tool-pane { display: none; }
.tool-pane.active { display: block; }
.field-group { margin-bottom: 22px; }
.field-group label { display: block; font-weight: 600; font-size: 14.5px; margin-bottom: 8px; color: var(--ink); }
.field-hint { font-size: 12.5px; color: var(--ink-faint); margin-top: 5px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
input[type="text"], input[type="number"], input[type="email"], select {
  width: 100%; padding: 11px 13px; border: 1px solid var(--line); border-radius: var(--radius);
  background: #fff; font-family: inherit; font-size: 15px; color: var(--ink);
}
input:focus, select:focus { border-color: var(--teal); }
.toggle-row { display: flex; gap: 10px; flex-wrap: wrap; }
.toggle-pill {
  border: 1px solid var(--line); border-radius: 20px; padding: 9px 16px; font-size: 14px;
  cursor: pointer; background: #fff; color: var(--ink-soft); user-select: none;
}
.toggle-pill.on { background: var(--teal); border-color: var(--teal); color: #fff; font-weight: 600; }
.tool-nav { display: flex; justify-content: space-between; margin-top: 30px; padding-top: 22px; border-top: 1px solid var(--line); }

/* Results */
.gap-score {
  display: flex; align-items: baseline; gap: 16px; margin-bottom: 6px;
}
.gap-score .figure { font-size: 3.2rem; font-weight: 600; color: var(--ink); }
.result-card {
  border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; margin-bottom: 14px;
  background: #fff;
  display: grid; grid-template-columns: 130px 1fr; gap: 18px; align-items: start;
}
.result-status {
  font-family: 'IBM Plex Mono', monospace; font-size: 11px; letter-spacing: 0.05em; text-transform: uppercase;
  padding: 6px 10px; border-radius: 20px; text-align: center; height: fit-content; font-weight: 600;
}
.result-status.need { background: var(--coral-tint); color: var(--coral); }
.result-status.review { background: var(--amber-tint); color: var(--amber); }
.result-status.ok { background: var(--teal-tint); color: var(--teal); }
.result-card h4 { margin: 0 0 6px; font-size: 1.05rem; font-family: 'Fraunces', serif; }
.result-card .math { font-family: 'IBM Plex Mono', monospace; font-size: 13px; color: var(--ink-faint); margin-top: 8px; }

.waiting-alert {
  background: var(--ink); color: var(--paper); border-radius: var(--radius); padding: 26px 28px; margin: 22px 0;
}
.waiting-alert .figure { color: #E7A98C; font-size: 2.4rem; font-weight: 600; }
.waiting-alert p { color: #C7CDD8; margin: 6px 0 0; }

/* ---------- Decoder ---------- */
.decoder-box { display: flex; gap: 10px; margin-bottom: 8px; }
.decoder-box input { flex: 1; }
.decoder-result {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 18px 20px; margin-top: 14px; display: none;
}
.decoder-result.show { display: block; }
.term-list { columns: 3; column-gap: 28px; margin-top: 10px; }
.term-list a { display: block; padding: 5px 0; font-size: 14.5px; break-inside: avoid; }

/* ---------- Article cards ---------- */
.article-card {
  border-top: 1px solid var(--line); padding: 26px 0; display: grid; grid-template-columns: 100px 1fr; gap: 22px;
}
.article-card:first-child { border-top: none; }
.article-date { font-family: 'IBM Plex Mono', monospace; font-size: 12px; color: var(--ink-faint); padding-top: 4px; }
.article-card h3 { margin-bottom: 8px; }
.article-card h3 a { color: var(--ink); }
.article-card h3 a:hover { color: var(--teal); }
.article-tag {
  font-family: 'IBM Plex Mono', monospace; font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--teal); background: var(--teal-tint); padding: 3px 8px; border-radius: 3px; margin-bottom: 8px; display: inline-block;
}

/* ---------- Article page ---------- */
.article-hero { padding: 44px 0 28px; border-bottom: 1px solid var(--line); }
.article-meta { font-family: 'IBM Plex Mono', monospace; font-size: 12.5px; color: var(--ink-faint); margin-bottom: 14px; }
.article-body { padding: 40px 0; }
.article-body h2 { margin-top: 1.6em; font-size: 1.5rem; }
.article-body h3 { margin-top: 1.3em; }
.article-body ul, .article-body ol { color: var(--ink-soft); padding-left: 22px; }
.article-body li { margin-bottom: 8px; }
.article-body blockquote {
  border-left: 3px solid var(--coral); margin: 24px 0; padding: 4px 0 4px 20px; color: var(--ink);
  font-family: 'Fraunces', serif; font-size: 1.15rem; font-style: italic;
}
.callout {
  background: var(--teal-tint); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px;
  margin: 24px 0; font-size: 15px;
}
.callout strong { color: var(--teal); }
.sources { font-size: 13.5px; color: var(--ink-faint); border-top: 1px solid var(--line); margin-top: 34px; padding-top: 18px; }

/* ---------- Facts ticker ---------- */
.facts-strip {
  background: var(--ink); color: var(--paper); overflow: hidden; padding: 12px 0;
}
.facts-track { display: flex; gap: 48px; white-space: nowrap; animation: scroll-left 55s linear infinite; width: max-content; }
.facts-track span { font-family: 'IBM Plex Mono', monospace; font-size: 13px; color: #C7CDD8; }
.facts-track span strong { color: var(--paper); }
@keyframes scroll-left { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .facts-track { animation: none; overflow-x: auto; } }

.facts-list-block { margin-top: 28px; }
.facts-list-block .fact-item {
  padding: 14px 0; border-top: 1px dashed var(--line); display: flex; gap: 14px;
}
.facts-list-block .fact-item:first-child { border-top: none; }
.facts-list-block .fnum { font-family: 'IBM Plex Mono', monospace; color: var(--coral); font-weight: 600; min-width: 32px; }

/* ---------- Newsletter ---------- */
.newsletter-block {
  background: var(--ink); color: var(--paper); border-radius: var(--radius); padding: 40px 44px;
}
.newsletter-block h2, .newsletter-block p { color: var(--paper); }
.newsletter-block p { color: #B8C0CC; }
.nl-form { display: flex; gap: 10px; margin-top: 20px; max-width: 480px; flex-wrap: wrap; }
.nl-form input { flex: 1; min-width: 200px; }
.nl-note { font-size: 12px; color: #8994A3; margin-top: 10px; }

/* ---------- Footer ---------- */
footer.site-footer { border-top: 1px solid var(--line); padding: 48px 0 28px; background: var(--paper-deep); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.footer-grid h4 { font-family: 'IBM Plex Mono', monospace; font-size: 12px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-faint); margin-bottom: 14px; }
.footer-grid a { display: block; color: var(--ink-soft); font-size: 14px; padding: 4px 0; }
.footer-grid a:hover { color: var(--teal); }
.footer-bottom {
  margin-top: 36px; padding-top: 22px; border-top: 1px solid var(--line);
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 12.5px; color: var(--ink-faint);
}
.footer-disclaimer { font-size: 12px; color: var(--ink-faint); max-width: 780px; margin-top: 18px; line-height: 1.6; }

/* ---------- Legal page ---------- */
.legal-body h2 { margin-top: 1.8em; }
.legal-body p, .legal-body li { color: var(--ink-soft); }

/* ---------- Utility ---------- */
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.small { font-size: 13.5px; color: var(--ink-faint); }

/* ---------- Responsive ---------- */
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  nav.main-nav { display: none; }
  .nav-toggle { display: block; }
  .field-row { grid-template-columns: 1fr; }
  .tool-body { padding: 26px 20px; }
  .term-list { columns: 1; }
  .result-card { grid-template-columns: 1fr; }
  .newsletter-block { padding: 28px 24px; }
}
@media (max-width: 880px) {
  nav.main-nav.open { display: flex; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--paper); border-bottom: 1px solid var(--line); padding: 16px 24px; gap: 4px; }
}