/* 30Insure.com — Core Styles */
@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,600;0,9..144,700;0,9..144,800;1,9..144,400&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0f172a;
  --navy-light: #1e293b;
  --blue: #2563eb;
  --blue-hover: #1d4ed8;
  --blue-light: #dbeafe;
  --blue-50: #eff6ff;
  --green: #059669;
  --green-hover: #047857;
  --green-light: #d1fae5;
  --gray-900: #111827;
  --gray-700: #374151;
  --gray-500: #6b7280;
  --gray-400: #9ca3af;
  --gray-300: #d1d5db;
  --gray-200: #e5e7eb;
  --gray-100: #f3f4f6;
  --gray-50: #f9fafb;
  --white: #ffffff;
  --amber: #f59e0b;
  --amber-light: #fef3c7;
  --font-heading: 'Fraunces', Georgia, serif;
  --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,0.07), 0 2px 4px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px rgba(0,0,0,0.1), 0 4px 6px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px rgba(0,0,0,0.1), 0 10px 10px rgba(0,0,0,0.04);
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 16px;
  --max-w: 1200px;
  --transition: 0.2s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--gray-700);
  line-height: 1.7;
  font-size: 16px;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-hover); }

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--navy);
  line-height: 1.2;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.2rem); margin-bottom: 0.75rem; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); margin-bottom: 0.5rem; }
h4 { font-size: 1.15rem; margin-bottom: 0.5rem; }
p { margin-bottom: 1rem; }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem; }

/* ─── HEADER ─── */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(12px);
  background: rgba(255,255,255,0.95);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.5rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--navy);
}
.logo svg { width: 36px; height: 36px; }
.logo span { color: var(--blue); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
  list-style: none;
}
.nav-links a {
  color: var(--gray-700);
  font-weight: 500;
  font-size: 0.95rem;
  transition: color var(--transition);
  position: relative;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--blue);
}
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--blue);
  border-radius: 1px;
}

.nav-cta {
  background: var(--blue);
  color: var(--white) !important;
  padding: 10px 24px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.9rem;
  transition: all var(--transition);
}
.nav-cta:hover {
  background: var(--blue-hover);
  color: var(--white) !important;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* Mobile menu */
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--navy);
}
.mobile-toggle svg { width: 28px; height: 28px; }

@media (max-width: 900px) {
  .mobile-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 1.5rem;
    gap: 1rem;
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow-lg);
  }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: 1.1rem; padding: 0.5rem 0; }
}

/* ─── HERO ─── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 50%, var(--navy-light) 100%);
  color: var(--white);
  padding: 5rem 0 6rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(37,99,235,0.15) 0%, transparent 70%);
  border-radius: 50%;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(5,150,105,0.1) 0%, transparent 70%);
  border-radius: 50%;
}
.hero .container { position: relative; z-index: 1; }
.hero h1 {
  color: var(--white);
  font-size: clamp(2.5rem, 6vw, 3.8rem);
  max-width: 700px;
  margin-bottom: 1.5rem;
  letter-spacing: -0.02em;
}
.hero p {
  font-size: 1.2rem;
  color: rgba(255,255,255,0.8);
  max-width: 560px;
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: all var(--transition);
  border: none;
  text-decoration: none;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--blue-hover);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}
.btn-secondary {
  background: rgba(255,255,255,0.1);
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.25);
}
.btn-secondary:hover {
  background: rgba(255,255,255,0.2);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--blue);
  border: 2px solid var(--blue);
}
.btn-outline:hover {
  background: var(--blue);
  color: var(--white);
  transform: translateY(-2px);
}
.btn-green {
  background: var(--green);
  color: var(--white);
}
.btn-green:hover {
  background: var(--green-hover);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

/* ─── SECTIONS ─── */
.section {
  padding: 5rem 0;
}
.section-alt {
  background: var(--gray-50);
}
.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 3rem;
}
.section-header p {
  color: var(--gray-500);
  font-size: 1.1rem;
}
.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
}

/* ─── CARDS ─── */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 1.5rem;
}
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 2rem;
  transition: all var(--transition);
  text-decoration: none;
  color: inherit;
  display: block;
}
.card:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  color: inherit;
}
.card-icon {
  width: 48px;
  height: 48px;
  background: var(--blue-50);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--blue);
}
.card-icon svg { width: 24px; height: 24px; }
.card h3 { font-size: 1.2rem; margin-bottom: 0.5rem; }
.card p { color: var(--gray-500); font-size: 0.95rem; margin-bottom: 0; }
.card-tag {
  display: inline-block;
  background: var(--blue-light);
  color: var(--blue);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 1rem;
}

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--navy);
  padding: 3rem 0;
}
.trust-items {
  display: flex;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.7);
  font-size: 0.95rem;
  font-weight: 500;
}
.trust-item svg { width: 24px; height: 24px; color: var(--green); flex-shrink: 0; }

/* ─── EMAIL CAPTURE ─── */
.email-capture {
  background: linear-gradient(135deg, var(--blue-50) 0%, var(--white) 100%);
  border: 1px solid var(--blue-light);
  border-radius: var(--radius-lg);
  padding: 3rem;
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.email-capture h3 { margin-bottom: 0.75rem; }
.email-capture p { color: var(--gray-500); margin-bottom: 1.5rem; }
.email-form {
  display: flex;
  gap: 0.75rem;
  max-width: 440px;
  margin: 0 auto;
}
.email-form input {
  flex: 1;
  padding: 12px 16px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  outline: none;
  transition: border-color var(--transition);
}
.email-form input:focus { border-color: var(--blue); }
.email-form button {
  padding: 12px 24px;
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}
.email-form button:hover {
  background: var(--blue-hover);
}

@media (max-width: 500px) {
  .email-form { flex-direction: column; }
}

/* ─── ARTICLE / CONTENT ─── */
.article-header {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 100%);
  color: var(--white);
  padding: 4rem 0 3rem;
}
.article-header h1 { color: var(--white); max-width: 700px; }
.article-header p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 600px; }
.breadcrumb {
  display: flex;
  gap: 0.5rem;
  align-items: center;
  font-size: 0.9rem;
  margin-bottom: 1.5rem;
  color: rgba(255,255,255,0.5);
}
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb a:hover { color: var(--white); }

.article-body {
  max-width: 760px;
  margin: 0 auto;
  padding: 3rem 1.5rem;
}
.article-body h2 { margin-top: 2.5rem; }
.article-body h3 { margin-top: 2rem; }
.article-body ul, .article-body ol {
  margin-bottom: 1rem;
  padding-left: 1.5rem;
}
.article-body li { margin-bottom: 0.5rem; }

/* Callout box */
.callout {
  background: var(--blue-50);
  border-left: 4px solid var(--blue);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
}
.callout.callout-green {
  background: var(--green-light);
  border-left-color: var(--green);
}
.callout.callout-amber {
  background: var(--amber-light);
  border-left-color: var(--amber);
}
.callout p:last-child { margin-bottom: 0; }
.callout strong { color: var(--navy); }

/* Affiliate disclosure */
.affiliate-banner {
  background: var(--amber-light);
  border: 1px solid #fde68a;
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  font-size: 0.85rem;
  color: var(--gray-700);
  margin: 1.5rem 0;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.affiliate-banner svg { width: 18px; height: 18px; color: var(--amber); flex-shrink: 0; margin-top: 2px; }

/* Compare table */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  margin: 2rem 0;
  font-size: 0.95rem;
}
.compare-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 16px;
  text-align: left;
  font-weight: 600;
}
.compare-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--gray-200);
}
.compare-table tr:nth-child(even) { background: var(--gray-50); }
.compare-table tr:hover { background: var(--blue-50); }

/* ─── TOOLS ─── */
.tool-container {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  max-width: 700px;
  margin: 0 auto;
  box-shadow: var(--shadow);
}
.form-group { margin-bottom: 1.5rem; }
.form-group label {
  display: block;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.5rem;
  font-size: 0.95rem;
}
.form-group input, .form-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  outline: none;
  transition: border-color var(--transition);
}
.form-group input:focus, .form-group select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
}
.form-hint {
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-top: 0.35rem;
}

.result-box {
  background: linear-gradient(135deg, var(--green-light) 0%, #ecfdf5 100%);
  border: 1px solid #a7f3d0;
  border-radius: var(--radius);
  padding: 2rem;
  text-align: center;
  margin-top: 2rem;
  display: none;
}
.result-box.visible { display: block; }
.result-amount {
  font-family: var(--font-heading);
  font-size: 3rem;
  font-weight: 800;
  color: var(--green);
  margin-bottom: 0.5rem;
}
.result-label { color: var(--gray-700); font-weight: 500; }

/* Checklist */
.checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 1rem 0;
  border-bottom: 1px solid var(--gray-100);
}
.checklist-item:last-child { border-bottom: none; }
.checklist-item input[type="checkbox"] {
  width: 22px;
  height: 22px;
  margin-top: 2px;
  accent-color: var(--green);
  flex-shrink: 0;
  cursor: pointer;
}
.checklist-label { font-weight: 500; color: var(--navy); }
.checklist-desc { font-size: 0.9rem; color: var(--gray-500); margin-top: 0.25rem; }

/* ─── BLOG ─── */
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all var(--transition);
  text-decoration: none;
  color: inherit;
  display: block;
}
.blog-card:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  color: inherit;
}
.blog-card-body { padding: 1.5rem; }
.blog-card-meta {
  display: flex;
  gap: 1rem;
  font-size: 0.85rem;
  color: var(--gray-500);
  margin-bottom: 0.75rem;
}
.blog-card h3 { font-size: 1.15rem; margin-bottom: 0.5rem; }
.blog-card p { color: var(--gray-500); font-size: 0.9rem; margin-bottom: 0; }

/* Category filter */
.category-filter {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}
.category-btn {
  padding: 8px 18px;
  border: 1px solid var(--gray-300);
  border-radius: 100px;
  background: var(--white);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--gray-700);
  cursor: pointer;
  transition: all var(--transition);
}
.category-btn:hover, .category-btn.active {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}

/* ─── FOOTER ─── */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.6);
  padding: 4rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-brand p {
  font-size: 0.95rem;
  margin-top: 1rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.5);
}
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1rem;
}
.footer-col a {
  display: block;
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  padding: 4px 0;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.85rem;
}
.footer-disclosure {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  padding: 1rem 1.25rem;
  font-size: 0.8rem;
  margin-bottom: 2rem;
  line-height: 1.6;
}

@media (max-width: 768px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ─── HUB PAGE ─── */
.hub-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 100%);
  color: var(--white);
  padding: 4rem 0 3rem;
  text-align: center;
}
.hub-hero h1 { color: var(--white); }
.hub-hero p { color: rgba(255,255,255,0.75); font-size: 1.15rem; max-width: 560px; margin: 0 auto; }

/* ─── MISC ─── */
.page-section { padding: 4rem 0; }
.text-center { text-align: center; }
.mt-2 { margin-top: 2rem; }
.mb-2 { margin-bottom: 2rem; }
.flex-center { display: flex; justify-content: center; }

/* 404 */
.error-page {
  text-align: center;
  padding: 8rem 0;
}
.error-page h1 { font-size: 8rem; color: var(--blue); margin-bottom: 0; }
.error-page p { font-size: 1.2rem; color: var(--gray-500); }

/* Contact form */
.contact-form { max-width: 600px; margin: 0 auto; }
.contact-form textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 1rem;
  min-height: 160px;
  resize: vertical;
  outline: none;
  transition: border-color var(--transition);
}
.contact-form textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
}

/* Print styles for checklist */
@media print {
  .site-header, .site-footer, .btn, .no-print { display: none !important; }
  body { font-size: 12pt; color: #000; }
  .article-header { background: none !important; color: #000 !important; padding: 1rem 0; }
  .article-header h1 { color: #000 !important; }
}

/* Animations */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.animate-in {
  animation: fadeInUp 0.5s ease forwards;
  opacity: 0;
}
.animate-in:nth-child(1) { animation-delay: 0.1s; }
.animate-in:nth-child(2) { animation-delay: 0.2s; }
.animate-in:nth-child(3) { animation-delay: 0.3s; }
.animate-in:nth-child(4) { animation-delay: 0.4s; }
.animate-in:nth-child(5) { animation-delay: 0.5s; }
.animate-in:nth-child(6) { animation-delay: 0.6s; }