/* Daily Insure Brief */

:root {
  --header-height: 72px;
  --ink: #0f1419;
  --ink-soft: #1c2430;
  --parchment: #f4f1ea;
  --paper: #faf8f5;
  --slate: #4a5568;
  --muted: #6b7280;
  --rule: #d4cfc4;
  --jade: #1a6b5c;
  --jade-light: #2a9d8f;
  --jade-pale: rgba(26, 107, 92, 0.08);
}

html {
  scroll-behavior: smooth;
}

body {
  background: var(--paper);
  color: var(--ink);
  font-feature-settings: "kern" 1, "liga" 1;
}

html,
body {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
}

body:not(.page-inner) {
  padding-top: 0;
}

body.page-inner {
  padding-top: var(--header-height);
}

/* Header */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  transition: background 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.site-header .nav-link,
.site-header .brand-sub,
.site-header .menu-btn {
  color: rgba(255, 255, 255, 0.82);
  transition: color 0.2s ease;
}

.site-header .brand-name {
  color: #fff;
}

.site-header .nav-link:hover {
  color: #fff;
}

.site-header .nav-link.active {
  color: #fff;
}

.site-header .nav-link.active::after {
  content: "";
  display: block;
  height: 2px;
  background: var(--jade-light);
  margin-top: 4px;
}

.site-header.is-scrolled,
body.page-inner .site-header {
  background: rgba(250, 248, 245, 0.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--rule);
  box-shadow: 0 1px 24px rgba(15, 20, 25, 0.06);
}

.site-header.is-scrolled .nav-link,
body.page-inner .site-header .nav-link {
  color: var(--slate);
}

.site-header.is-scrolled .nav-link:hover,
body.page-inner .site-header .nav-link:hover {
  color: var(--ink);
}

.site-header.is-scrolled .nav-link.active,
body.page-inner .site-header .nav-link.active {
  color: var(--jade);
}

.site-header.is-scrolled .brand-name,
body.page-inner .site-header .brand-name {
  color: var(--ink);
}

.site-header.is-scrolled .brand-sub,
body.page-inner .site-header .brand-sub {
  color: var(--muted);
}

.site-header.is-scrolled .menu-btn,
body.page-inner .site-header .menu-btn {
  color: var(--ink);
}

.btn-nav {
  font-size: 0.8125rem;
  font-weight: 600;
  padding: 0.5rem 1.125rem;
  background: var(--jade);
  color: #fff;
  transition: background 0.2s ease;
}

.btn-nav:hover {
  background: var(--jade-light);
}

.site-header.is-scrolled .btn-nav,
body.page-inner .site-header .btn-nav {
  background: var(--jade);
}

.brand-mark {
  width: 36px;
  height: 36px;
  background: var(--jade);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.brand-mark span {
  font-family: "Newsreader", Georgia, serif;
  font-size: 0.75rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.04em;
}

/* Hero */
.hero-editorial {
  position: relative;
  min-height: 100vh;
  min-height: 100dvh;
  display: flex;
  align-items: center;
  background: var(--ink) url("images/hero-bg.svg") center / cover no-repeat;
  overflow: hidden;
}

.hero-editorial::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    100deg,
    rgba(15, 20, 25, 0.94) 0%,
    rgba(15, 20, 25, 0.82) 38%,
    rgba(15, 20, 25, 0.62) 68%,
    rgba(15, 20, 25, 0.48) 100%
  );
  pointer-events: none;
}

.hero-editorial::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.12), transparent);
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 72rem;
  margin: 0 auto;
  padding: calc(var(--header-height) + 3rem) 1.5rem 4rem;
}

@media (min-width: 1024px) {
  .hero-inner {
    padding: calc(var(--header-height) + 4rem) 2.5rem 5rem;
  }
}

.hero-layout {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 768px) {
  .hero-layout {
    grid-template-columns: minmax(0, 0.48fr) minmax(0, 0.52fr);
    gap: 2rem 2.5rem;
  }
}

@media (min-width: 1024px) {
  .hero-layout {
    grid-template-columns: minmax(0, 0.46fr) minmax(0, 0.54fr);
    gap: 2rem 3rem;
  }
}

.hero-copy {
  position: relative;
  z-index: 2;
  max-width: 36rem;
}

.hero-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  z-index: 1;
  pointer-events: none;
  order: -1;
}

@media (min-width: 768px) {
  .hero-visual {
    order: 0;
    justify-content: flex-end;
    align-items: center;
    min-height: clamp(18rem, 34vw, 26rem);
    padding-right: 0.5rem;
  }
}

@media (min-width: 1024px) {
  .hero-visual {
    min-height: clamp(22rem, 32vw, 30rem);
    padding-right: 0;
  }
}

.hero-visual-glow {
  position: absolute;
  inset: 10% 0 10% 10%;
  background: radial-gradient(ellipse 70% 65% at 55% 50%, rgba(42, 157, 143, 0.18) 0%, transparent 70%);
  pointer-events: none;
}

.hero-illustration {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: min(22rem, 88vw);
  height: auto;
  object-fit: contain;
  filter: drop-shadow(0 20px 40px rgba(0, 0, 0, 0.25));
  animation: hero-float 7s ease-in-out infinite;
}

@media (min-width: 640px) {
  .hero-illustration {
    max-width: 26rem;
  }
}

@media (min-width: 768px) {
  .hero-illustration {
    max-width: none;
    width: 105%;
    margin-right: -2%;
  }
}

@media (min-width: 1024px) {
  .hero-illustration {
    width: 112%;
    margin-right: -4%;
  }
}

@media (min-width: 1280px) {
  .hero-illustration {
    width: 118%;
    margin-right: -6%;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hero-illustration {
    animation: none;
  }
}

@keyframes hero-float {
  0%, 100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-14px);
  }
}

.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 0.875rem;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--jade-light);
  margin-bottom: 1.5rem;
}

.hero-kicker::before {
  content: "";
  width: 40px;
  height: 1px;
  background: var(--jade-light);
}

.hero-headline {
  font-family: "Newsreader", Georgia, serif;
  font-size: clamp(2.5rem, 6vw, 4.25rem);
  font-weight: 500;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: #fff;
  max-width: 14ch;
  margin-bottom: 1.5rem;
}

.hero-deck {
  font-size: clamp(1rem, 2vw, 1.1875rem);
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.72);
  max-width: 32rem;
  margin-bottom: 2.25rem;
}

.hero-btns {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

@media (min-width: 480px) {
  .hero-btns {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 1rem;
  }
}

.btn-solid {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.9375rem 1.75rem;
  font-size: 0.875rem;
  font-weight: 600;
  background: var(--jade);
  color: #fff;
  transition: background 0.2s ease;
}

.btn-solid:hover {
  background: var(--jade-light);
}

.btn-ghost {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.9375rem 1.75rem;
  font-size: 0.875rem;
  font-weight: 600;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  color: #fff;
  transition: border-color 0.2s ease, background 0.2s ease;
}

.btn-ghost:hover {
  border-color: rgba(255, 255, 255, 0.75);
  background: rgba(255, 255, 255, 0.06);
}

/* Sections */
.section-kicker {
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--jade);
  margin-bottom: 0.625rem;
}

.section-heading {
  font-family: "Newsreader", Georgia, serif;
  font-size: clamp(1.75rem, 3.5vw, 2.375rem);
  font-weight: 500;
  line-height: 1.15;
  color: var(--ink);
}

.link-arrow {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--jade);
  transition: color 0.2s ease;
}

.link-arrow:hover {
  color: var(--jade-light);
}

/* Brief feature */
.brief-feature {
  background: var(--parchment);
  border-left: 4px solid var(--jade);
}

.brief-feature-inner {
  display: grid;
  gap: 2rem;
}

@media (min-width: 768px) {
  .brief-feature-inner {
    grid-template-columns: 1.2fr 1fr;
    align-items: center;
  }
}

.brief-tag {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--jade);
  background: var(--jade-pale);
  padding: 0.35rem 0.75rem;
  margin-bottom: 1rem;
}

/* Topic mosaic */
.topic-mosaic {
  display: grid;
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
}

@media (min-width: 768px) {
  .topic-mosaic {
    grid-template-columns: repeat(12, 1fr);
    grid-template-rows: auto auto;
  }
}

.topic-tile {
  background: #fff;
  padding: 2rem;
  transition: background 0.2s ease;
}

.topic-tile:hover {
  background: var(--parchment);
}

@media (min-width: 768px) {
  .topic-tile:nth-child(1) { grid-column: span 5; }
  .topic-tile:nth-child(2) { grid-column: span 4; }
  .topic-tile:nth-child(3) { grid-column: span 3; }
  .topic-tile:nth-child(4) { grid-column: span 7; }
  .topic-tile:nth-child(5) { grid-column: span 5; }
}

.topic-num {
  font-family: "Newsreader", Georgia, serif;
  font-size: 2rem;
  color: var(--rule);
  line-height: 1;
  margin-bottom: 1rem;
}

/* Policy explained */
.policy-row {
  display: grid;
  gap: 2rem;
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--rule);
}

@media (min-width: 768px) {
  .policy-row {
    grid-template-columns: 80px 1fr;
    gap: 2.5rem;
    align-items: start;
  }
}

.policy-num {
  font-family: "Newsreader", Georgia, serif;
  font-size: 3rem;
  font-weight: 500;
  color: var(--jade);
  line-height: 1;
  opacity: 0.85;
}

/* Learning picks */
.pick-card {
  background: #fff;
  border: 1px solid var(--rule);
  padding: 1.75rem;
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.pick-card:hover {
  border-color: rgba(26, 107, 92, 0.35);
  box-shadow: 0 8px 32px rgba(15, 20, 25, 0.06);
}

.pick-label {
  font-size: 0.625rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--jade);
  margin-bottom: 0.75rem;
}

/* Resource list */
.resource-item {
  display: grid;
  gap: 0.5rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid var(--rule);
}

@media (min-width: 640px) {
  .resource-item {
    grid-template-columns: 48px 1fr auto;
    gap: 1.25rem;
    align-items: center;
  }
}

.resource-icon {
  width: 48px;
  height: 48px;
  background: var(--jade-pale);
  display: flex;
  align-items: center;
  justify-content: center;
}

/* FAQ */
.faq-item {
  border-bottom: 1px solid var(--rule);
}

.faq-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 1.375rem 0;
  text-align: left;
  background: none;
  border: none;
  cursor: pointer;
  font-family: "Newsreader", Georgia, serif;
  font-size: 1.0625rem;
  color: var(--ink);
  transition: color 0.2s ease;
}

.faq-btn:hover {
  color: var(--jade);
}

.faq-btn[aria-expanded="true"] {
  color: var(--jade);
}

.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--rule);
  font-size: 1.125rem;
  font-weight: 300;
  color: var(--jade);
  transition: transform 0.2s ease;
}

.faq-btn[aria-expanded="true"] .faq-icon {
  transform: rotate(45deg);
  background: var(--jade-pale);
}

.faq-body {
  padding: 0 0 1.375rem;
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--slate);
}

/* CTA band */
.cta-band {
  background: var(--ink);
  color: #fff;
  text-align: center;
  padding: 5rem 1.5rem;
}

/* Page header */
.page-banner {
  background: var(--parchment);
  border-bottom: 1px solid var(--rule);
  padding: 3.5rem 0 3rem;
}

.page-banner h1 {
  font-family: "Newsreader", Georgia, serif;
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 500;
  line-height: 1.12;
  max-width: 20ch;
}

/* Brief list */
.brief-entry {
  padding: 2.5rem 0;
  border-bottom: 1px solid var(--rule);
}

.brief-entry:last-child {
  border-bottom: none;
}

/* Learning modules */
.learn-module {
  background: #fff;
  border: 1px solid var(--rule);
  padding: 2rem;
  margin-bottom: 1.5rem;
}

.learn-module h3 {
  font-family: "Newsreader", Georgia, serif;
  font-size: 1.375rem;
  margin-bottom: 0.75rem;
}

/* Glossary */
.gloss-term {
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--rule);
}

.gloss-term dt {
  font-family: "Newsreader", Georgia, serif;
  font-size: 1.0625rem;
  margin-bottom: 0.35rem;
}

.gloss-term dd {
  font-size: 0.875rem;
  color: var(--slate);
  line-height: 1.65;
}

/* Contact */
.contact-field input,
.contact-field textarea {
  width: 100%;
  box-sizing: border-box;
  border: 1px solid var(--rule);
  background: var(--paper);
  padding: 0.875rem 1rem;
  font-size: 0.9375rem;
  color: var(--ink);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.contact-field input:focus,
.contact-field textarea:focus {
  outline: none;
  border-color: var(--jade);
  box-shadow: 0 0 0 3px rgba(26, 107, 92, 0.12);
}

.contact-field label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.contact-aside {
  background: var(--ink);
  color: rgba(255, 255, 255, 0.75);
  padding: 2.5rem;
}

/* Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 100;
  background: rgba(15, 20, 25, 0.6);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease, visibility 0.25s ease;
}

.modal-overlay.is-open {
  opacity: 1;
  visibility: visible;
}

.modal-box {
  background: #fff;
  width: 100%;
  max-width: 420px;
  padding: 2.5rem;
  border-top: 4px solid var(--jade);
}

/* Footer */
.site-footer {
  background: var(--ink-soft);
  color: rgba(255, 255, 255, 0.55);
  font-size: 0.875rem;
}

.site-footer a:hover {
  color: #fff;
}


html,
body {
    scroll-behavior: smooth;
    scrollbar-width: none;
    -ms-overflow-style: none;
}

html::-webkit-scrollbar,
body::-webkit-scrollbar {
    display: none;
}


.glossary-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
    gap:24px;
}

.gloss-card{
    background:#fff;
    border:1px solid var(--rule);
    border-radius:20px;
    padding:24px;
    transition:.3s;
}

.gloss-card:hover{
    transform:translateY(-6px);
    box-shadow:0 20px 40px rgba(0,0,0,.08);
    border-color:var(--jade);
}