/* ==========================================================================
   LEGALGUIDES AUTHORITY DESIGN SYSTEM — PRODUCTION CSS
   Engineered for Google AdSense CWV (CLS=0, LCP<2.5s, FID/INP<200ms) & WCAG AA
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Plus+Jakarta+Sans:wght@600;700;800&display=swap');

:root {
    /* Brand Colors */
    --color-brand-dark: #091e36;
    --color-brand-primary: #0a2540;
    --color-brand-surface: #132f4c;
    --color-brand-accent: #2563eb;
    --color-brand-accent-hover: #1d4ed8;
    --color-accent-light: #eff6ff;
    --color-trust-gold: #d97706;
    --color-trust-gold-bg: #fef3c7;
    --color-success: #16a34a;
    --color-success-bg: #f0fdf4;

    /* Neutrals */
    --color-text-main: #0f172a;
    --color-text-body: #334155;
    --color-text-muted: #64748b;
    --color-text-light: #94a3b8;
    --color-bg-page: #f8fafc;
    --color-bg-card: #ffffff;
    --color-border: #e2e8f0;
    --color-border-subtle: #f1f5f9;

    /* Typography */
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
    --font-heading: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

    /* Shadows & Radii */
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-full: 9999px;
    --shadow-sm: 0 1px 2px 0 rgba(15, 23, 42, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(15, 23, 42, 0.07), 0 2px 4px -2px rgba(15, 23, 42, 0.05);
    --shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, 0.08), 0 4px 6px -4px rgba(15, 23, 42, 0.04);
    --shadow-xl: 0 20px 25px -5px rgba(15, 23, 42, 0.1), 0 8px 10px -6px rgba(15, 23, 42, 0.05);

    /* Layout */
    --max-width-content: 1200px;
    --max-width-article: 780px;
    --header-height: 72px;
}

/* ==========================================================================
   CSS Reset & Base
   ========================================================================== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    font-size: 16px;
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-sans);
    color: var(--color-text-body);
    background-color: var(--color-bg-page);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

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

a {
    color: var(--color-brand-accent);
    text-decoration: none;
    transition: color 0.15s ease, opacity 0.15s ease;
}

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

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--color-text-main);
    font-weight: 700;
    line-height: 1.25;
    letter-spacing: -0.02em;
}

h1 { font-size: clamp(1.85rem, 3.5vw, 2.5rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.4rem, 2.5vw, 1.85rem); margin-top: 1.75rem; margin-bottom: 0.75rem; }
h3 { font-size: 1.25rem; margin-top: 1.5rem; margin-bottom: 0.5rem; }
p { margin-bottom: 1.25rem; }

/* Focus Accessibility */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
    outline: 2px solid var(--color-brand-accent);
    outline-offset: 2px;
}

/* ==========================================================================
   YMYL & Regulatory Trust Top Bar (InsureZest Authority Inspired)
   ========================================================================== */
.ymyl-top-bar {
    background-color: var(--color-brand-dark);
    color: #94a3b8;
    font-size: 0.78rem;
    border-top: 1px solid rgba(255, 255, 255, 0.06);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    position: relative;
    z-index: 90;
}

.ymyl-top-bar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.4rem 1.5rem;
    gap: 1rem;
    max-width: var(--max-width-content);
    margin: 0 auto;
}

.ymyl-top-bar__text {
    margin: 0;
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    color: #cbd5e1;
    font-weight: 500;
}

.ymyl-top-bar__text i {
    color: #38bdf8;
    font-size: 0.82rem;
}

.ymyl-top-bar__links {
    display: flex;
    align-items: center;
    gap: 1.25rem;
}

.ymyl-top-bar__link {
    color: #94a3b8;
    text-decoration: none;
    font-size: 0.78rem;
    transition: color 0.15s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
}

.ymyl-top-bar__link:hover {
    color: #ffffff;
}

@media (max-width: 768px) {
    .ymyl-top-bar__links {
        display: none;
    }
    .ymyl-top-bar__inner {
        justify-content: center;
        text-align: center;
        padding: 0.35rem 1rem;
    }
}

/* ==========================================================================
   Header & Sticky Navigation
   ========================================================================== */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--color-border);
    height: var(--header-height);
    transition: box-shadow 0.2s ease;
}

.site-header.scrolled {
    box-shadow: var(--shadow-sm);
}

.header-container {
    max-width: var(--max-width-content);
    height: 100%;
    margin: 0 auto;
    padding: 0 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
}

.header-brand {
    display: inline-flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--color-brand-primary);
    text-decoration: none;
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 1.35rem;
    letter-spacing: -0.03em;
    flex-shrink: 0;
}

.brand-icon-wrap {
    width: 38px;
    height: 38px;
    background: linear-gradient(135deg, var(--color-brand-primary), var(--color-brand-surface));
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    box-shadow: var(--shadow-sm);
}

.brand-icon-wrap svg, .brand-icon-wrap img {
    width: 22px;
    height: 22px;
}

.brand-text {
    display: flex;
    flex-direction: column;
}

.brand-text span:first-child {
    line-height: 1.1;
}

.brand-tagline {
    font-size: 0.68rem;
    font-weight: 500;
    color: var(--color-text-muted);
    letter-spacing: 0.02em;
    text-transform: uppercase;
}

/* Nav links */
.site-nav {
    display: flex;
    align-items: center;
    gap: 0.35rem;
}

.site-nav a.nav-link,
.site-nav .dropdown-toggle {
    color: var(--color-text-body);
    font-family: var(--font-sans);
    font-weight: 500;
    font-size: 0.92rem;
    padding: 0.5rem 0.75rem;
    border-radius: var(--radius-sm);
    transition: all 0.15s ease;
    white-space: nowrap;
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: transparent;
    border: none;
    cursor: pointer;
    line-height: 1.4;
    text-decoration: none;
}

.site-nav a.nav-link:hover,
.site-nav .dropdown-toggle:hover {
    color: var(--color-brand-accent);
    background-color: var(--color-border-subtle);
}

.site-nav a.nav-link.active {
    color: var(--color-brand-accent);
    font-weight: 600;
}

.dropdown-arrow {
    font-size: 0.65rem;
    color: var(--color-text-muted);
    transition: transform 0.2s ease;
}

.nav-item-dropdown {
    position: relative;
    display: inline-block;
}

.nav-item-dropdown:hover .dropdown-arrow,
.nav-item-dropdown:focus-within .dropdown-arrow {
    transform: rotate(180deg);
    color: var(--color-brand-accent);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: #ffffff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 0.75rem;
    z-index: 1000;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
    pointer-events: none;
}

.nav-item-dropdown:hover .dropdown-menu,
.nav-item-dropdown:focus-within .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
}

.dropdown-menu-lg {
    width: 490px;
}

.dropdown-menu-md {
    width: 350px;
}

.dropdown-header {
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    padding: 0.35rem 0.65rem 0.65rem;
    border-bottom: 1px solid var(--color-border-subtle);
    margin-bottom: 0.5rem;
}

.dropdown-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.35rem;
}

.dropdown-item {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    padding: 0.55rem 0.65rem;
    border-radius: var(--radius-md);
    color: var(--color-text-main);
    text-decoration: none;
    transition: all 0.15s ease;
}

.dropdown-item:hover {
    background: var(--color-accent-light);
    color: var(--color-brand-accent);
}

.dropdown-item-icon {
    width: 34px;
    height: 34px;
    border-radius: var(--radius-sm);
    background: var(--color-border-subtle);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.dropdown-item-text {
    display: flex;
    flex-direction: column;
    min-width: 0;
}

.dropdown-item-title {
    font-weight: 600;
    font-size: 0.85rem;
    line-height: 1.25;
    color: var(--color-text-main);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.dropdown-item:hover .dropdown-item-title {
    color: var(--color-brand-accent);
}

.dropdown-item-desc {
    font-size: 0.72rem;
    color: var(--color-text-muted);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

/* Dual-Tone Dropdown Icon Accents (InsureZest Inspired) */
.dropdown-item-icon--blue { background: #eff6ff; color: #2563eb; }
.dropdown-item-icon--emerald { background: #f0fdf4; color: #16a34a; }
.dropdown-item-icon--amber { background: #fef3c7; color: #d97706; }
.dropdown-item-icon--rose { background: #ffe4e6; color: #e11d48; }
.dropdown-item-icon--purple { background: #faf5ff; color: #9333ea; }
.dropdown-item-icon--indigo { background: #e0e7ff; color: #4f46e5; }
.dropdown-item-icon--cyan { background: #e0f2fe; color: #0284c7; }

.dropdown-footer {
    padding: 0.65rem 0.85rem 0.25rem;
    margin-top: 0.5rem;
    border-top: 1px solid var(--color-border-subtle);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.dropdown-footer a {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-brand-accent);
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    transition: gap 0.15s ease;
}

.dropdown-footer a:hover {
    gap: 0.6rem;
    color: var(--color-brand-accent-hover);
}

/* Header Actions */
.header-actions {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.search-trigger-btn {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: var(--color-border-subtle);
    border: 1px solid var(--color-border);
    color: var(--color-text-muted);
    font-size: 0.85rem;
    font-family: var(--font-sans);
    padding: 0.45rem 0.85rem;
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: all 0.15s ease;
}

.search-trigger-btn:hover {
    background: #ffffff;
    border-color: var(--color-brand-accent);
    color: var(--color-text-main);
    box-shadow: var(--shadow-sm);
}

.search-kbd {
    background: #ffffff;
    border: 1px solid var(--color-border);
    border-radius: 4px;
    padding: 0.1rem 0.35rem;
    font-size: 0.7rem;
    font-weight: 600;
    color: var(--color-text-muted);
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: linear-gradient(135deg, var(--color-brand-accent), var(--color-brand-accent-hover));
    color: #ffffff !important;
    font-weight: 600;
    font-size: 0.92rem;
    padding: 0.6rem 1.25rem;
    border-radius: var(--radius-full);
    border: none;
    cursor: pointer;
    box-shadow: 0 2px 4px rgba(37, 99, 235, 0.25);
    transition: all 0.15s ease;
    white-space: nowrap;
}

.btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 8px rgba(37, 99, 235, 0.35);
    color: #ffffff;
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: #ffffff;
    color: var(--color-text-main) !important;
    font-weight: 600;
    font-size: 0.92rem;
    padding: 0.6rem 1.25rem;
    border-radius: var(--radius-full);
    border: 1px solid var(--color-border);
    cursor: pointer;
    box-shadow: var(--shadow-sm);
    transition: all 0.15s ease;
}

.btn-secondary:hover {
    background: var(--color-border-subtle);
    border-color: var(--color-brand-accent);
    color: var(--color-brand-accent) !important;
}

/* Mobile Toggle */
.mobile-nav-toggle {
    display: none;
    background: transparent;
    border: none;
    color: var(--color-text-main);
    font-size: 1.35rem;
    cursor: pointer;
    padding: 0.5rem;
    border-radius: var(--radius-sm);
}

/* ==========================================================================
   Mobile Drawer Navigation
   ========================================================================== */
.mobile-drawer-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.6);
    backdrop-filter: blur(4px);
    z-index: 1000;
    opacity: 0;
    visibility: hidden;
    transition: all 0.25s ease;
}

.mobile-drawer-backdrop.open {
    opacity: 1;
    visibility: visible;
}

.mobile-drawer {
    position: fixed;
    top: 0;
    right: -320px;
    width: 300px;
    height: 100vh;
    background: #ffffff;
    z-index: 1001;
    box-shadow: var(--shadow-xl);
    display: flex;
    flex-direction: column;
    padding: 1.5rem;
    transition: right 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    overflow-y: auto;
}

.mobile-drawer.open {
    right: 0;
}

.drawer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--color-border);
    margin-bottom: 1.25rem;
}

.drawer-close-btn {
    background: transparent;
    border: none;
    font-size: 1.25rem;
    color: var(--color-text-muted);
    cursor: pointer;
    padding: 0.5rem;
}

.drawer-links {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.drawer-links a {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--color-text-main);
    font-weight: 500;
    padding: 0.75rem 0.5rem;
    border-radius: var(--radius-sm);
}

.drawer-links a:hover {
    background: var(--color-border-subtle);
    color: var(--color-brand-accent);
}

.drawer-cta {
    margin-top: auto;
    padding-top: 1.5rem;
}

/* ==========================================================================
   Search Modal Overlay
   ========================================================================== */
.search-modal-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.65);
    backdrop-filter: blur(6px);
    z-index: 1100;
    display: flex;
    align-items: flex-start;
    justify-content: center;
    padding-top: 10vh;
    opacity: 0;
    visibility: hidden;
    transition: all 0.2s ease;
}

.search-modal-backdrop.open {
    opacity: 1;
    visibility: visible;
}

.search-modal-container {
    width: 100%;
    max-width: 620px;
    background: #ffffff;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    border: 1px solid var(--color-border);
    transform: translateY(-15px);
    transition: transform 0.2s ease;
}

.search-modal-backdrop.open .search-modal-container {
    transform: translateY(0);
}

.search-input-wrap {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 1rem 1.25rem;
    border-bottom: 1px solid var(--color-border);
    background: #ffffff;
}

.search-input-wrap i {
    color: var(--color-text-muted);
    font-size: 1.1rem;
}

.search-input-wrap input {
    flex: 1;
    border: none;
    font-size: 1.05rem;
    font-family: var(--font-sans);
    color: var(--color-text-main);
    outline: none;
}

.search-results-list {
    max-height: 380px;
    overflow-y: auto;
    padding: 0.5rem;
}

.search-result-item {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    padding: 0.75rem 1rem;
    border-radius: var(--radius-md);
    color: var(--color-text-main);
    text-decoration: none;
    transition: background 0.15s ease;
}

.search-result-item:hover, .search-result-item.highlighted {
    background: var(--color-accent-light);
    color: var(--color-brand-accent);
}

.search-result-badge {
    font-size: 0.7rem;
    font-weight: 600;
    padding: 0.2rem 0.5rem;
    border-radius: var(--radius-full);
    background: var(--color-border-subtle);
    color: var(--color-text-muted);
    text-transform: uppercase;
}

.search-modal-footer {
    padding: 0.75rem 1.25rem;
    background: var(--color-border-subtle);
    border-top: 1px solid var(--color-border);
    font-size: 0.78rem;
    color: var(--color-text-muted);
    display: flex;
    justify-content: space-between;
}

/* ==========================================================================
   Main Content & Global Grid
   ========================================================================== */
main.main-content {
    max-width: var(--max-width-content);
    width: 100%;
    margin: 0 auto;
    padding: 2rem 1.5rem 4rem;
    flex: 1;
}

/* Breadcrumbs */
.breadcrumbs {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
    font-size: 0.82rem;
    color: var(--color-text-muted);
    margin-bottom: 1.5rem;
}

.breadcrumbs a {
    color: var(--color-text-muted);
}

.breadcrumbs a:hover {
    color: var(--color-brand-accent);
}

.breadcrumbs i.fa-chevron-right {
    font-size: 0.65rem;
    color: var(--color-text-light);
}

/* ==========================================================================
   Hero Section (Compact & Modern)
   ========================================================================== */
.hero-wrapper {
    background: linear-gradient(145deg, #091e36 0%, #0a2540 60%, #173860 100%);
    border-radius: var(--radius-lg);
    padding: 1.85rem 2.25rem;
    color: #ffffff;
    margin-bottom: 2rem;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.hero-wrapper::after {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 450px;
    height: 450px;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.18) 0%, rgba(37, 99, 235, 0) 70%);
    border-radius: 50%;
    pointer-events: none;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.35fr 0.65fr;
    gap: 2rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    padding: 0.25rem 0.75rem;
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 600;
    color: #93c5fd;
    margin-bottom: 0.65rem;
}

.hero-badge i {
    color: #fbbf24;
}

.hero-title {
    font-size: clamp(1.65rem, 2.7vw, 2.25rem);
    color: #ffffff;
    margin-bottom: 0.45rem;
    line-height: 1.2;
}

.hero-subtitle {
    font-size: 0.92rem;
    color: #cbd5e1;
    margin-bottom: 1.15rem;
    max-width: 540px;
    line-height: 1.5;
}

.hero-cta-group {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1.25rem;
}

.hero-cta-group .btn-primary,
.hero-cta-group .btn-secondary {
    padding: 0.5rem 1.15rem;
    font-size: 0.88rem;
}

.hero-trust-metrics {
    display: flex;
    flex-wrap: wrap;
    gap: 1.5rem;
    padding-top: 1rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.trust-item i {
    font-size: 1.15rem;
    color: #60a5fa;
}

.trust-item-text {
    font-size: 0.72rem;
    line-height: 1.2;
    color: #e2e8f0;
}

.trust-item-text strong {
    display: block;
    font-size: 0.85rem;
    color: #ffffff;
}

.hero-visual-card {
    background: rgba(255, 255, 255, 0.04);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-lg);
    padding: 1rem;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    box-shadow: 0 6px 24px 0 rgba(0, 0, 0, 0.18);
}

.hero-scales-img {
    width: 280px;
    height: auto;
    filter: drop-shadow(0 10px 20px rgba(0, 0, 0, 0.25));
}

/* ==========================================================================
   Pillar Cards Grid (Modern Dual-Tone)
   ========================================================================== */
.section-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    margin-bottom: 1.5rem;
}

.section-title {
    font-size: 1.6rem;
    margin-bottom: 0.25rem;
}

.section-subtitle {
    font-size: 0.92rem;
    color: var(--color-text-muted);
    margin-bottom: 0;
}

.pillar-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 1.5rem;
    margin-bottom: 3rem;
}

.pillar-card {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    text-decoration: none;
    color: var(--color-text-main);
    box-shadow: var(--shadow-sm);
    transition: all 0.2s cubic-bezier(0.16, 1, 0.3, 1);
    display: flex;
    flex-direction: column;
    position: relative;
}

.pillar-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: #bfdbfe;
}

.pillar-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1.25rem;
}

.pillar-icon-box {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    background: var(--color-border-subtle);
    display: flex;
    align-items: center;
    justify-content: center;
}

.pillar-icon-box img, .pillar-icon-box svg {
    width: 32px;
    height: 32px;
}

.pillar-arrow {
    width: 32px;
    height: 32px;
    border-radius: var(--radius-full);
    background: var(--color-border-subtle);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-text-muted);
    font-size: 0.8rem;
    transition: all 0.2s ease;
}

.pillar-card:hover .pillar-arrow {
    background: var(--color-brand-accent);
    color: #ffffff;
    transform: translateX(3px);
}

.pillar-card h3 {
    font-size: 1.2rem;
    margin: 0 0 0.5rem;
    color: var(--color-brand-primary);
}

.pillar-card p {
    font-size: 0.88rem;
    color: var(--color-text-muted);
    margin-bottom: 1.25rem;
    flex: 1;
}

.pillar-card-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 0.78rem;
    font-weight: 600;
    color: var(--color-brand-accent);
    padding-top: 1rem;
    border-top: 1px solid var(--color-border-subtle);
}

.pillar-count-badge {
    font-size: 0.72rem;
    font-weight: 700;
    padding: 0.2rem 0.6rem;
    border-radius: var(--radius-full);
    background: var(--color-accent-light);
    color: var(--color-brand-accent);
    letter-spacing: 0.02em;
}

/* ==========================================================================
   Trust Ecosystem Grid (InsureZest Authority Inspired)
   ========================================================================== */
.trust-feature-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 1.5rem;
    margin: 3.5rem 0;
}

.trust-feature-card {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.75rem 1.5rem;
    transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
    position: relative;
    box-shadow: var(--shadow-sm);
}

.trust-feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: #bfdbfe;
}

.trust-feature-card__icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    margin-bottom: 1.15rem;
    transition: transform 0.2s ease;
}

.trust-feature-card:hover .trust-feature-card__icon {
    transform: scale(1.08);
}

.trust-feature-card__title {
    font-size: 1.08rem;
    font-weight: 700;
    color: var(--color-text-main);
    margin-bottom: 0.45rem;
}

.trust-feature-card__desc {
    font-size: 0.86rem;
    color: var(--color-text-muted);
    line-height: 1.55;
    margin: 0;
}

/* ==========================================================================
   Interactive Tools Grid
   ========================================================================== */
.tools-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 1.5rem;
    margin-bottom: 3rem;
}

.tool-card {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    text-decoration: none;
    color: var(--color-text-main);
    box-shadow: var(--shadow-sm);
    transition: all 0.2s ease;
    display: flex;
    gap: 1.25rem;
}

.tool-card:hover {
    border-color: var(--color-brand-accent);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.tool-icon-wrap {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    background: var(--color-accent-light);
    color: var(--color-brand-accent);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    flex-shrink: 0;
}

.tool-card-info h3 {
    font-size: 1.05rem;
    margin: 0 0 0.35rem;
    color: var(--color-text-main);
}

.tool-card-info p {
    font-size: 0.84rem;
    color: var(--color-text-muted);
    margin: 0;
}

/* ==========================================================================
   Two-Column Category & Article Layout
   ========================================================================== */
.content-sidebar-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 320px;
    gap: 2.5rem;
    align-items: start;
}

.main-column {
    min-width: 0;
}

.sidebar-column {
    position: sticky;
    top: calc(var(--header-height) + 1.5rem);
    display: flex;
    flex-direction: column;
    gap: 1.75rem;
}

.sidebar-widget {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    box-shadow: var(--shadow-sm);
}

.sidebar-widget h3 {
    font-size: 1.1rem;
    margin: 0 0 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--color-brand-primary);
}

/* Article Cards inside lists */
.article-cards-list {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
}

.article-item-card {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    box-shadow: var(--shadow-sm);
    text-decoration: none;
    color: var(--color-text-main);
    transition: all 0.2s ease;
    display: flex;
    flex-direction: column;
}

.article-item-card:hover {
    border-color: #93c5fd;
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.article-item-card h2 {
    font-size: 1.25rem;
    margin: 0 0 0.5rem;
    color: var(--color-brand-primary);
}

.article-item-card:hover h2 {
    color: var(--color-brand-accent);
}

.article-item-card p.excerpt {
    font-size: 0.92rem;
    color: var(--color-text-body);
    margin-bottom: 1rem;
}

.article-meta-row {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    font-size: 0.78rem;
    color: var(--color-text-muted);
    padding-top: 0.75rem;
    border-top: 1px solid var(--color-border-subtle);
}

.article-meta-pill {
    background: var(--color-border-subtle);
    padding: 0.2rem 0.55rem;
    border-radius: var(--radius-full);
    font-weight: 500;
}

/* ==========================================================================
   Article Page Styling (High Authority & Editorial)
   ========================================================================== */
.article-container {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-sm);
}

.article-header {
    margin-bottom: 2rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--color-border);
}

.article-category-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    background: var(--color-accent-light);
    color: var(--color-brand-accent);
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    padding: 0.3rem 0.75rem;
    border-radius: var(--radius-full);
    margin-bottom: 1rem;
}

.article-title {
    font-size: clamp(1.85rem, 3.2vw, 2.5rem);
    line-height: 1.25;
    margin-bottom: 1.25rem;
    color: var(--color-brand-primary);
}

/* YMYL Reviewer Byline Card */
.reviewer-card {
    background: var(--color-border-subtle);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    padding: 1rem 1.25rem;
    display: flex;
    align-items: center;
    gap: 1rem;
    margin: 1.5rem 0;
}

.reviewer-avatar {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-full);
    background: var(--color-bg-card);
    border: 2px solid #ffffff;
    box-shadow: var(--shadow-sm);
    flex-shrink: 0;
}

.reviewer-info {
    font-size: 0.85rem;
    line-height: 1.4;
    color: var(--color-text-body);
}

.reviewer-name {
    font-weight: 700;
    color: var(--color-text-main);
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

.reviewer-name i {
    color: var(--color-success);
    font-size: 0.9rem;
}

.reviewer-credentials {
    font-size: 0.78rem;
    color: var(--color-text-muted);
}

/* Disclaimers */
.ymyl-disclaimer-box {
    background: #fffbeb;
    border-left: 4px solid var(--color-trust-gold);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
    padding: 1rem 1.25rem;
    font-size: 0.85rem;
    color: #92400e;
    margin: 1.5rem 0;
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
}

.ymyl-disclaimer-box i {
    font-size: 1.1rem;
    color: var(--color-trust-gold);
    margin-top: 0.15rem;
}

/* Article Body Typography */
.article-body {
    font-size: 1.05rem;
    line-height: 1.8;
    color: #1e293b;
}

.article-body h2 {
    font-size: 1.45rem;
    margin-top: 2rem;
    margin-bottom: 0.85rem;
    color: var(--color-brand-primary);
    padding-bottom: 0.4rem;
    border-bottom: 1px solid var(--color-border-subtle);
}

.article-body h3 {
    font-size: 1.2rem;
    margin-top: 1.5rem;
    margin-bottom: 0.6rem;
}

.article-body ul, .article-body ol {
    margin: 1rem 0 1.5rem 1.5rem;
}

.article-body li {
    margin-bottom: 0.6rem;
}

.article-body a {
    text-decoration: underline;
    font-weight: 500;
}

/* Sources Block */
.sources-card {
    margin-top: 2.5rem;
    padding: 1.5rem;
    background: var(--color-border-subtle);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
}

.sources-card h3 {
    font-size: 1rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--color-text-muted);
    margin: 0 0 0.85rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.sources-list {
    list-style: none;
    margin: 0 !important;
    padding: 0 !important;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.sources-list li a {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.85rem;
    color: var(--color-text-body);
}

.sources-list li a:hover {
    color: var(--color-brand-accent);
}

/* Article CTA Box */
.article-lead-cta {
    background: linear-gradient(135deg, #091e36, #0a2540);
    border-radius: var(--radius-lg);
    padding: 2rem;
    color: #ffffff;
    margin: 2.5rem 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    box-shadow: var(--shadow-md);
}

.article-lead-cta h3 {
    color: #ffffff;
    margin: 0 0 0.35rem;
    font-size: 1.3rem;
}

.article-lead-cta p {
    color: #cbd5e1;
    font-size: 0.9rem;
    margin: 0;
}

/* ==========================================================================
   Google AdSense Zones (Strict Policy & Zero CLS)
   ========================================================================== */
.adsense-wrapper {
    margin: 2rem 0;
    width: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    background: transparent;
    border-radius: var(--radius-md);
    overflow: hidden;
    position: relative;
    box-sizing: border-box;
}

.adsense-wrapper:empty {
    display: none !important;
    margin: 0 !important;
    padding: 0 !important;
    min-height: 0 !important;
    border: none !important;
}

.ad-label {
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--color-text-light);
    padding: 0.25rem 0.75rem;
    background: var(--color-border-subtle);
    width: 100%;
    text-align: center;
    border-bottom: 1px solid var(--color-border-subtle);
    user-select: none;
}

.ad-slot-inner {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 90px;
}

/* Specific Zero-CLS Height Reservations when active */
.adsense-wrapper.adsense-zone-top {
    min-height: 110px; /* Label + 90px banner */
}

.adsense-wrapper.adsense-zone-in-content {
    min-height: 140px;
    margin: 2.5rem 0;
}

.adsense-wrapper.adsense-zone-sidebar {
    min-height: 280px; /* 250px ad + label */
    background: transparent;
}

.adsense-wrapper.adsense-zone-bottom {
    min-height: 120px;
    margin-top: 3rem;
}

/* ==========================================================================
   Interactive Forms & Lead Wizard
   ========================================================================== */
.form-card {
    background: var(--color-bg-card);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow-sm);
    max-width: 680px;
    margin: 0 auto;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-label {
    display: block;
    font-weight: 600;
    font-size: 0.92rem;
    margin-bottom: 0.45rem;
    color: var(--color-text-main);
}

.form-control {
    width: 100%;
    padding: 0.75rem 1rem;
    font-size: 0.95rem;
    font-family: var(--font-sans);
    color: var(--color-text-main);
    background-color: #ffffff;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-sm);
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
}

.form-control:focus {
    border-color: var(--color-brand-accent);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.12);
    outline: none;
}

.form-hint {
    font-size: 0.78rem;
    color: var(--color-text-muted);
    margin-top: 0.35rem;
}

.radio-group, .checkbox-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin-top: 0.5rem;
}

.radio-option {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    padding: 0.85rem 1rem;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
    cursor: pointer;
    background: #ffffff;
    transition: all 0.15s ease;
}

.radio-option:hover {
    border-color: var(--color-brand-accent);
    background: var(--color-accent-light);
}

.radio-option input {
    margin-top: 0.2rem;
}

/* Tool Calculation Result Box */
.calc-result-box {
    margin-top: 2rem;
    padding: 1.75rem;
    background: var(--color-accent-light);
    border: 1px solid #bfdbfe;
    border-radius: var(--radius-lg);
    display: none;
}

.calc-result-box.active {
    display: block;
    animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(6px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   Footer (Comprehensive & Trust Anchored)
   ========================================================================== */
.site-footer {
    background: var(--color-brand-dark);
    color: #94a3b8;
    padding: 4rem 1.5rem 2rem;
    border-top: 1px solid #1e293b;
    margin-top: auto;
}

.footer-container {
    max-width: var(--max-width-content);
    margin: 0 auto;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-col h4 {
    color: #ffffff;
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 1.25rem;
    letter-spacing: -0.01em;
}

.footer-col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
}

.footer-col ul li a {
    color: #94a3b8;
    font-size: 0.88rem;
    transition: color 0.15s ease;
}

.footer-col ul li a:hover {
    color: #ffffff;
}

.footer-bottom {
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    font-size: 0.8rem;
}

.footer-bottom-links {
    display: flex;
    flex-wrap: wrap;
    gap: 1.25rem;
}

.footer-bottom-links a {
    color: #94a3b8;
}

.footer-bottom-links a:hover {
    color: #ffffff;
}

/* Site Disclaimer Footer Block */
.site-disclaimer-footer {
    background: #061526;
    border-radius: var(--radius-md);
    padding: 1.25rem;
    font-size: 0.78rem;
    line-height: 1.6;
    color: #64748b;
    margin-bottom: 2rem;
    border: 1px solid rgba(255, 255, 255, 0.05);
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
    .site-nav, .search-kbd {
        display: none;
    }

    .mobile-nav-toggle {
        display: block;
    }

    .content-sidebar-layout {
        grid-template-columns: 1fr;
    }

    .sidebar-column {
        position: static;
    }

    .hero-grid {
        grid-template-columns: 1fr;
    }

    .hero-visual-card {
        display: none;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {

    .hero-wrapper {
        padding: 2rem 1.5rem;
    }

    .pillar-grid, .tools-grid {
        grid-template-columns: 1fr;
    }

    .article-container {
        padding: 1.5rem;
    }

    .article-lead-cta {
        flex-direction: column;
        text-align: center;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}