/* InsuranceTipsPro — Editorial Redesign 2025 */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

:root{
  --navy:#1a2744;
  --navy-light:#2d3f6b;
  --blue:#2563eb;
  --blue-dark:#1d4ed8;
  --blue-light:#eff6ff;
  --orange:#ea580c;
  --orange-dark:#c2410c;
  --text:#1a2744;
  --text2:#4a5568;
  --text3:#718096;
  --border:#e2e8f0;
  --bg:#ffffff;
  --bg2:#f8fafc;
  --shadow-sm:0 1px 2px rgba(0,0,0,.05);
  --shadow:0 1px 3px rgba(0,0,0,.1),0 1px 6px rgba(0,0,0,.04);
  --shadow-md:0 4px 16px rgba(0,0,0,.08);
}

body{font-family:system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;font-size:17px;color:var(--text);background:var(--bg);line-height:1.8}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}

/* PROGRESS BAR */
#read-progress{position:fixed;top:0;left:0;height:3px;background:var(--orange);width:0%;z-index:300;transition:width .1s linear;border-radius:0 2px 2px 0}

/* HEADER */
.site-header{background:#fff;border-bottom:1.5px solid var(--border);position:sticky;top:0;z-index:100}
.header-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;height:68px}
.site-logo{font-size:1.3rem;font-weight:800;color:var(--navy);letter-spacing:-.5px;text-decoration:none}
.site-logo span{color:var(--blue)}
.site-logo:hover{text-decoration:none}
.site-nav{display:flex;gap:2px;align-items:center}
.site-nav a{color:var(--text2);padding:7px 13px;border-radius:6px;font-size:.9rem;font-weight:500;transition:background .15s,color .15s;text-decoration:none}
.site-nav a:hover,.site-nav a.active{background:var(--blue-light);color:var(--blue);text-decoration:none}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px;transition:.3s}

/* HERO */
.hero{background:#fff;padding:72px 24px 64px;border-bottom:1px solid var(--border)}
.hero-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1fr 380px;gap:64px;align-items:center}
.hero-eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:1px;margin-bottom:16px}
.hero-eyebrow::before{content:'';width:20px;height:2px;background:var(--blue);flex-shrink:0}
.hero h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(2rem,3.2vw,2.9rem);font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:18px}
.hero-sub{font-size:1.05rem;color:var(--text2);line-height:1.7;margin-bottom:32px;max-width:480px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:28px}
.btn-orange{display:inline-block;background:var(--orange);color:#fff;font-weight:700;padding:13px 26px;border-radius:8px;font-size:.95rem;text-decoration:none;transition:background .15s,transform .15s}
.btn-orange:hover{background:var(--orange-dark);transform:translateY(-1px);color:#fff;text-decoration:none}
.btn-ghost{display:inline-block;color:var(--navy);font-weight:600;padding:13px 26px;border-radius:8px;font-size:.95rem;border:1.5px solid var(--border);text-decoration:none;transition:border-color .15s,background .15s}
.btn-ghost:hover{border-color:var(--navy);background:var(--bg2);text-decoration:none}
.hero-trust{display:flex;flex-direction:column;gap:6px}
.hero-trust-item{font-size:.82rem;color:var(--text3);display:flex;align-items:center;gap:6px}
.hero-trust-item::before{content:'✓';color:#16a34a;font-weight:700}
.hero-visual{display:flex;flex-direction:column;gap:16px}
.hero-card{background:var(--bg2);border:1px solid var(--border);border-radius:16px;padding:24px;box-shadow:var(--shadow)}
.hero-card-label{font-size:.72rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.8px;margin-bottom:8px}
.hero-card-title{font-family:Georgia,serif;font-size:1.05rem;font-weight:700;color:var(--navy);line-height:1.3;margin-bottom:8px}
.hero-card-meta{font-size:.8rem;color:var(--text3)}
.hero-stat-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px}
.hero-stat{background:var(--bg2);border:1px solid var(--border);border-radius:10px;padding:14px 12px;text-align:center}
.hero-stat span{display:block;font-size:1.5rem;font-weight:800;color:var(--navy);line-height:1}
.hero-stat em{display:block;font-size:.72rem;color:var(--text3);font-style:normal;margin-top:3px}

/* CATEGORY NAV */
.cat-nav{background:var(--bg2);border-bottom:1px solid var(--border)}
.cat-nav-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;overflow-x:auto;scrollbar-width:none;gap:0}
.cat-nav-inner::-webkit-scrollbar{display:none}
.cat-nav a{display:block;padding:13px 18px;font-size:.88rem;font-weight:600;color:var(--text2);white-space:nowrap;border-bottom:2px solid transparent;text-decoration:none;transition:color .15s,border-color .15s}
.cat-nav a:hover,.cat-nav a.active{color:var(--blue);border-bottom-color:var(--blue);text-decoration:none}

/* TRUST BAR */
.trust-bar{background:var(--navy);color:rgba(255,255,255,.88);padding:11px 24px}
.trust-bar-inner{max-width:1200px;margin:0 auto;display:flex;justify-content:center;gap:32px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:7px;font-size:.82rem}
.trust-item::before{content:'✓';color:#4ade80;font-weight:700;flex-shrink:0}

/* LAYOUT */
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.main-content{padding:56px 0}

/* SECTION TITLES */
.section-title{font-family:Georgia,serif;font-size:1.35rem;font-weight:700;color:var(--navy);margin-bottom:24px;display:flex;align-items:center;gap:14px}
.section-title::after{content:'';flex:1;height:1px;background:var(--border)}

/* FEATURED SECTION */
.featured-grid{display:grid;grid-template-columns:3fr 2fr;gap:20px;margin-bottom:56px}
.featured-main{background:var(--bg2);border:1px solid var(--border);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.featured-img{background:linear-gradient(135deg,#dbeafe 0%,#eff6ff 100%);height:200px;display:flex;align-items:center;justify-content:center;color:var(--blue);font-size:2.5rem}
.featured-body{padding:24px;flex:0 0 auto;display:flex;flex-direction:column}
.featured-side{display:flex;flex-direction:column;gap:14px}
.featured-small{background:var(--bg2);border:1px solid var(--border);border-radius:12px;padding:18px;display:flex;flex-direction:column;flex:1;overflow:hidden}
.cat-tag{display:inline-block;font-size:.72rem;font-weight:700;color:var(--blue);background:var(--blue-light);padding:3px 10px;border-radius:20px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:10px;text-decoration:none}
.cat-tag:hover{background:#dbeafe;text-decoration:none}
.featured-main h2{font-family:Georgia,serif;font-size:1.4rem;font-weight:700;color:var(--navy);line-height:1.3;margin-bottom:10px}
.featured-main h2 a{color:inherit;text-decoration:none}
.featured-main h2 a:hover{color:var(--blue)}
.featured-main p{font-size:.92rem;color:var(--text2);line-height:1.65;margin-bottom:14px}
.featured-small h3{font-family:Georgia,serif;font-size:.97rem;font-weight:700;color:var(--navy);line-height:1.35;margin-bottom:6px}
.featured-small h3 a{color:inherit;text-decoration:none}
.featured-small h3 a:hover{color:var(--blue)}
.featured-small p{font-size:.85rem;color:var(--text2);line-height:1.6;flex:1;margin-bottom:8px}
.article-date{font-size:.78rem;color:var(--text3)}
.read-link{display:inline-flex;align-items:center;gap:4px;color:var(--blue);font-weight:600;font-size:.875rem;text-decoration:none;padding:6px 14px;border:1.5px solid var(--blue);border-radius:6px;transition:background .2s,color .2s;margin-top:12px}
.read-link:hover{background:var(--blue);color:#fff;text-decoration:none}
.card-read-link{display:inline-block;color:var(--blue);font-weight:600;font-size:.875rem;text-decoration:none;padding:8px 0;border-bottom:2px solid transparent;transition:border-color .2s}
.card-read-link:hover{border-bottom-color:var(--blue);text-decoration:none}

/* BTN PRIMARY (featured card CTA) */
.btn-primary{display:inline-block;background:var(--orange);color:#fff;padding:12px 24px;border-radius:6px;font-weight:600;font-size:.94rem;text-decoration:none;transition:background .2s,transform .2s,box-shadow .2s;margin-top:16px}
.btn-primary:hover{background:var(--orange-dark);transform:translateY(-2px);box-shadow:0 4px 12px rgba(234,88,12,.3);color:#fff;text-decoration:none}

/* ARTICLE LIST (homepage) */
.article-list{display:flex;flex-direction:column;gap:0}
.list-item{display:flex;gap:16px;align-items:flex-start;background:#fff;border-radius:8px;padding:20px 24px;margin-bottom:12px;box-shadow:0 1px 4px rgba(0,0,0,.08);transition:box-shadow .2s,transform .2s;cursor:pointer}
.list-item:hover{box-shadow:0 4px 16px rgba(0,0,0,.12);transform:translateY(-2px)}
.list-num{width:28px;height:28px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.81rem;font-weight:700;flex-shrink:0;margin-top:2px}
.list-body .cat-tag{margin-bottom:5px}
.list-item h3{font-family:Georgia,serif;font-size:1rem;font-weight:700;color:var(--navy);line-height:1.35;margin-bottom:5px}
.list-item h3 a{color:inherit;text-decoration:none}
.list-item h3 a:hover{color:var(--blue)}
.list-item p{font-size:.88rem;color:var(--text2);line-height:1.6;margin-bottom:6px;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.list-meta{font-size:.76rem;color:var(--text3)}

/* NEWSLETTER */
.newsletter-section{background:var(--blue-light);border:1px solid #bfdbfe;border-radius:16px;padding:40px;margin-top:56px;text-align:center}
.newsletter-section h2{font-family:Georgia,serif;font-size:1.4rem;color:var(--navy);margin-bottom:8px}
.newsletter-section p{color:var(--text2);font-size:.95rem;margin-bottom:24px}
.newsletter-form{display:flex;gap:10px;max-width:420px;margin:0 auto}
.newsletter-form input{flex:1;padding:11px 15px;border:1.5px solid var(--border);border-radius:8px;font-size:.95rem;outline:none;font-family:inherit}
.newsletter-form input:focus{border-color:var(--blue)}
.newsletter-form button{background:var(--orange);color:#fff;border:none;padding:11px 20px;border-radius:8px;font-weight:700;cursor:pointer;font-size:.9rem;white-space:nowrap;transition:background .15s;font-family:inherit}
.newsletter-form button:hover{background:var(--orange-dark)}

/* ARTICLE PAGE */
.content-grid{display:grid;grid-template-columns:1fr 288px;gap:48px;align-items:start}
.breadcrumb{font-size:.82rem;color:var(--text3);padding:12px 0;margin-bottom:4px;display:flex;align-items:center;gap:5px}
.breadcrumb a{color:var(--blue);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}

.article-header{margin-bottom:24px}
.article-header .category-tag{display:inline-block;background:var(--blue-light);color:var(--blue);font-size:.72rem;font-weight:700;padding:4px 12px;border-radius:20px;margin-bottom:14px;text-transform:uppercase;letter-spacing:.5px}
.article-header h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(1.65rem,3.5vw,2.35rem);font-weight:700;line-height:1.25;margin-bottom:14px;color:var(--navy)}

/* AUTHOR BOX */
.author-box{display:flex;align-items:flex-start;gap:12px;padding:14px 16px;background:var(--bg2);border-radius:10px;margin-bottom:18px;border:1px solid var(--border)}
.author-avatar-sm{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.82rem;font-weight:700;flex-shrink:0}
.author-info{flex:1}
.author-info strong{font-size:.88rem;color:var(--navy);display:block;margin-bottom:2px}
.author-info span{font-size:.78rem;color:var(--text3)}
.author-badge{display:inline-flex;align-items:center;gap:3px;background:#f0fdf4;color:#166534;font-size:.7rem;font-weight:700;padding:2px 7px;border-radius:20px;margin-left:7px;vertical-align:middle}
.author-badge::before{content:'✓'}
.article-meta{display:none}

/* DISCLAIMER */
.article-disclaimer{background:#fffbeb;border:1px solid #fde68a;border-radius:8px;padding:11px 15px;margin-bottom:24px;font-size:.82rem;color:#92400e;display:flex;align-items:flex-start;gap:8px;line-height:1.5}
.article-disclaimer::before{content:'ℹ';flex-shrink:0;font-size:.9rem}

/* ARTICLE BODY */
.article-body{font-size:19px;line-height:1.85;color:var(--text);max-width:720px}
.article-body h2{font-family:Georgia,serif;font-size:1.45rem;font-weight:700;margin:40px 0 14px;color:var(--navy)}
.article-body h3{font-size:1.1rem;font-weight:700;margin:28px 0 10px;color:var(--navy)}
.article-body p{margin-bottom:1.5em}
.article-body ul,.article-body ol{margin:0 0 20px 24px}
.article-body li{margin-bottom:8px}
.article-body strong{color:var(--navy)}
.article-body a{color:var(--blue);font-weight:500}

/* INLINE CTA */
.inline-cta{background:#fff7ed;border:1px solid #fed7aa;border-left:4px solid var(--orange);border-radius:0 10px 10px 0;padding:18px 22px;margin:32px 0;display:flex;align-items:center;gap:20px}
.inline-cta-text{flex:1}
.inline-cta-text strong{display:block;font-size:.92rem;color:var(--navy);margin-bottom:3px}
.inline-cta-text span{font-size:.82rem;color:var(--text2)}
.btn-orange-sm{background:var(--orange);color:#fff;padding:9px 17px;border-radius:6px;font-size:.85rem;font-weight:700;white-space:nowrap;text-decoration:none;transition:background .15s;flex-shrink:0}
.btn-orange-sm:hover{background:var(--orange-dark);text-decoration:none;color:#fff}

/* CALLOUT */
.callout{background:var(--blue-light);border-left:4px solid var(--blue);padding:15px 18px;border-radius:0 8px 8px 0;margin:24px 0}
.callout p{margin:0;color:var(--text);font-size:.95rem}

/* TOC */
.toc{background:var(--bg2);border:1px solid var(--border);border-radius:10px;padding:18px 22px;margin:28px 0}
.toc h4{font-size:.78rem;font-weight:700;color:var(--text3);margin-bottom:12px;text-transform:uppercase;letter-spacing:.8px}
.toc ol{margin-left:16px}
.toc li{margin-bottom:7px}
.toc a{font-size:.88rem;color:var(--blue);font-weight:500;text-decoration:none}
.toc a:hover{text-decoration:underline}

/* FAQ */
.faq-section{margin-top:48px}
.faq-section h2{font-family:Georgia,serif;font-size:1.5rem;font-weight:700;margin-bottom:22px;color:var(--navy)}
.faq-item{border:1px solid var(--border);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq-question{width:100%;background:#fff;border:none;padding:15px 18px;text-align:left;font-size:.95rem;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:var(--navy);transition:background .15s;font-family:inherit}
.faq-question:hover{background:var(--bg2)}
.faq-question::after{content:'+';font-size:1.2rem;color:var(--blue);font-weight:400;flex-shrink:0;margin-left:12px}
.faq-question.open::after{content:'−'}
.faq-answer{padding:0 18px;max-height:0;overflow:hidden;transition:max-height .3s ease,padding .3s}
.faq-answer.open{max-height:600px;padding:14px 18px}
.faq-answer p{margin:0;color:var(--text2);font-size:.95rem}

/* CTA SECTION */
.cta-section{background:var(--orange);color:#fff;border-radius:14px;padding:34px 30px;margin:48px 0}
.cta-section h3{font-family:Georgia,serif;font-size:1.35rem;font-weight:700;margin-bottom:8px}
.cta-section p{opacity:.92;margin-bottom:18px;font-size:.92rem;max-width:480px}
.cta-btn{display:inline-block;background:#fff;color:var(--orange);font-weight:700;padding:11px 24px;border-radius:8px;font-size:.92rem;transition:opacity .15s;text-decoration:none}
.cta-btn:hover{opacity:.92;color:var(--orange-dark);text-decoration:none}

/* AUTHOR BIO (bottom) */
.author-bio{background:var(--bg2);border:1px solid var(--border);border-radius:12px;padding:22px;margin-top:40px;display:flex;gap:16px;align-items:flex-start}
.author-avatar{width:54px;height:54px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.1rem;font-weight:700;flex-shrink:0}
.author-bio h4{font-size:.9rem;font-weight:700;margin-bottom:4px;color:var(--navy)}
.author-bio p{font-size:.85rem;color:var(--text2);margin:0}

/* SIDEBAR */
.sidebar{display:flex;flex-direction:column;gap:12px}
.sidebar-sticky{position:sticky;top:80px}
.sidebar-widget{background:var(--bg2);border:1px solid var(--border);border-radius:12px;padding:20px}
.sidebar-widget h3{font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.related-post{display:flex;gap:10px;margin-bottom:12px;padding-bottom:12px;border-bottom:1px solid var(--border)}
.related-post:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}
.related-post-num{width:22px;height:22px;background:var(--blue-light);color:var(--blue);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:700;flex-shrink:0;margin-top:2px}
.related-post a{font-size:.83rem;font-weight:600;color:var(--text);line-height:1.35;text-decoration:none}
.related-post a:hover{color:var(--blue)}
.sidebar-cta{background:var(--orange);border-radius:12px;padding:20px;color:#fff}
.sidebar-cta h3{color:#fff;border-bottom:1px solid rgba(255,255,255,.25);margin-bottom:10px;padding-bottom:10px;font-size:.85rem}
.sidebar-cta p{font-size:.82rem;opacity:.92;margin-bottom:12px;line-height:1.5}
.sidebar-cta a{display:block;background:#fff;color:var(--orange);text-align:center;padding:9px;border-radius:6px;font-weight:700;font-size:.85rem;text-decoration:none;transition:opacity .15s}
.sidebar-cta a:hover{opacity:.9;text-decoration:none}

/* HOMEPAGE post-card (legacy compat) */
.posts-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px}
.post-card{background:var(--bg2);border:1px solid var(--border);border-radius:12px;overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .15s,transform .15s}
.post-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.post-card-body{padding:20px;flex:1;display:flex;flex-direction:column}
.post-card-category{font-size:.72rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
.post-card h2{font-family:Georgia,serif;font-size:1rem;font-weight:700;margin-bottom:8px;line-height:1.35;color:var(--navy)}
.post-card h2 a{color:inherit;text-decoration:none}
.post-card h2 a:hover{color:var(--blue)}
.post-card p{color:var(--text2);font-size:.87rem;flex:1;margin-bottom:14px;line-height:1.6}
.post-meta{font-size:.76rem;color:var(--text3);margin-bottom:12px}
.read-more{display:inline-flex;align-items:center;gap:4px;font-size:.85rem;font-weight:600;color:var(--blue);text-decoration:none}
.read-more:hover{gap:8px;text-decoration:none}

/* SECTION HEADER */
.section-header{text-align:center;margin-bottom:36px}
.section-header h2{font-family:Georgia,serif;font-size:clamp(1.5rem,3vw,1.9rem);font-weight:700;color:var(--navy)}
.section-header p{color:var(--text2);margin-top:8px;max-width:560px;margin-left:auto;margin-right:auto;font-size:.92rem}

/* FOOTER */
.site-footer{background:var(--navy);color:rgba(255,255,255,.72);margin-top:80px}
.footer-inner{max-width:1200px;margin:0 auto;padding:48px 24px 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:32px}
.footer-brand .site-logo{font-size:1.15rem;display:inline-block;margin-bottom:12px;color:#fff}
.footer-brand .site-logo span{color:#fbbf24}
.footer-brand p{font-size:.84rem;line-height:1.7;color:rgba(255,255,255,.6)}
.footer-col h4{font-size:.78rem;font-weight:700;color:rgba(255,255,255,.88);margin-bottom:14px;text-transform:uppercase;letter-spacing:.8px}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:8px}
.footer-col a{color:rgba(255,255,255,.52);font-size:.85rem;transition:color .15s;text-decoration:none}
.footer-col a:hover{color:rgba(255,255,255,.9)}
.footer-editorial{background:rgba(255,255,255,.07);border-radius:8px;padding:14px 18px;margin-bottom:20px;border-left:3px solid #fbbf24}
.footer-editorial p{font-size:.8rem;color:rgba(255,255,255,.65);line-height:1.6;margin:0}
.footer-editorial strong{color:rgba(255,255,255,.85)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:12px}
.footer-bottom p{font-size:.78rem}
.footer-disclaimer{color:rgba(255,255,255,.42);max-width:600px;line-height:1.5}

/* ABOUT / CONTACT */
.page-hero{background:var(--bg2);border-bottom:1px solid var(--border);padding:56px 24px}
.page-hero h1{font-family:Georgia,serif;font-size:clamp(1.8rem,4vw,2.6rem);font-weight:700;margin-bottom:12px;color:var(--navy)}
.page-hero p{font-size:1rem;color:var(--text2);max-width:560px}
.content-section{background:#fff;border:1px solid var(--border);border-radius:14px;padding:36px;box-shadow:var(--shadow-sm);margin-bottom:28px}
.content-section h2{font-family:Georgia,serif;font-size:1.35rem;font-weight:700;color:var(--navy);margin-bottom:14px}
.contact-form .form-group{margin-bottom:18px}
.contact-form label{display:block;font-size:.87rem;font-weight:600;margin-bottom:6px;color:var(--navy)}
.contact-form input,.contact-form textarea,.contact-form select{width:100%;padding:10px 14px;border:1.5px solid var(--border);border-radius:8px;font-size:.95rem;font-family:inherit;outline:none;transition:border-color .15s}
.contact-form input:focus,.contact-form textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.1)}
.contact-form textarea{min-height:130px;resize:vertical}
.submit-btn{background:var(--orange);color:#fff;border:none;padding:12px 30px;border-radius:8px;font-size:.95rem;font-weight:700;cursor:pointer;transition:background .15s;font-family:inherit}
.submit-btn:hover{background:var(--orange-dark)}

/* RESPONSIVE */
@media(max-width:1024px){
  .hero-inner{grid-template-columns:1fr}
  .hero-visual{display:none}
}
@media(max-width:900px){
  .content-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .sidebar{display:grid;grid-template-columns:1fr 1fr}
  .sidebar-sticky{position:static}
  .featured-grid{grid-template-columns:1fr}
}
@media(max-width:640px){
  body{font-size:16px}
  .site-nav{display:none;flex-direction:column;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border);padding:8px;box-shadow:var(--shadow-md)}
  .site-nav.open{display:flex}
  .nav-toggle{display:block}
  .hero{padding:48px 20px 40px}
  .hero-actions{flex-direction:column}
  .footer-grid{grid-template-columns:1fr}
  .sidebar{grid-template-columns:1fr}
  .newsletter-form{flex-direction:column}
  .author-bio{flex-direction:column}
  .footer-bottom{flex-direction:column}
  .inline-cta{flex-direction:column;gap:12px}
  .trust-bar-inner{gap:14px}
  .content-grid{gap:32px}
  .container{padding:0 16px}
}

/* ── IMPROVEMENTS 2025 ─────────────────────────────────────────── */

/* BACK TO TOP */
#back-to-top{position:fixed;bottom:28px;right:28px;width:46px;height:46px;border-radius:50%;background:var(--orange);color:#fff;border:none;cursor:pointer;font-size:1.3rem;line-height:1;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(234,88,12,.4);opacity:0;pointer-events:none;transition:opacity .25s,transform .25s;z-index:200;font-family:inherit}
#back-to-top.visible{opacity:1;pointer-events:auto}
#back-to-top:hover{background:var(--orange-dark);transform:translateY(-3px)}

/* KEY TAKEAWAYS BOX */
.key-takeaways{background:#eff6ff;border:1px solid #bfdbfe;border-left:4px solid var(--blue);border-radius:0 12px 12px 0;padding:22px 26px;margin:0 0 28px}
.key-takeaways h4{font-size:.82rem;font-weight:700;color:var(--blue);text-transform:uppercase;letter-spacing:.8px;margin-bottom:12px;display:flex;align-items:center;gap:6px}
.key-takeaways h4::before{content:'★';font-size:.9rem}
.key-takeaways ul{list-style:none;margin:0;padding:0}
.key-takeaways li{font-size:.95rem;color:var(--navy);padding:5px 0 5px 18px;position:relative;line-height:1.55;border-bottom:1px solid rgba(37,99,235,.1)}
.key-takeaways li:last-child{border-bottom:none}
.key-takeaways li::before{content:'→';position:absolute;left:0;color:var(--blue);font-weight:700;font-size:.85rem}

/* ARTICLE HERO IMAGE */
.article-hero-img{width:100%;max-width:720px;height:300px;object-fit:cover;border-radius:12px;margin:20px 0 24px;display:block;background:var(--bg2)}
.article-hero-img-wrap{margin:20px 0 24px;border-radius:12px;overflow:hidden;max-width:720px;height:300px;background:linear-gradient(135deg,#dbeafe,#eff6ff)}

/* FEATURED CARD EXTRAS */
.featured-extras{margin-top:18px;display:flex;flex-direction:column;gap:16px}
.quick-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.quick-stat{background:#f8fafc;border-radius:10px;padding:10px 12px;text-align:center}
.quick-stat .qs-val{display:block;font-size:.92rem;font-weight:800;color:var(--navy);line-height:1.2;margin-bottom:3px}
.quick-stat .qs-lbl{display:block;font-size:.7rem;color:var(--text3);line-height:1.3}
.learn-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:6px}
.learn-list li{font-size:.84rem;color:var(--text2);display:flex;align-items:flex-start;gap:7px;line-height:1.45}
.learn-list li::before{content:'✓';color:var(--blue);font-weight:800;font-size:.85rem;flex-shrink:0;margin-top:1px}

/* FEATURED IMAGE (homepage) */
.featured-img-real{width:100%;height:300px;object-fit:cover;display:block;border-radius:14px 14px 0 0}
.featured-small-img{width:100%;height:220px;object-fit:cover;display:block;border-radius:12px 12px 0 0;margin:-18px -18px 14px;width:calc(100% + 36px)}

/* LIST ITEM THUMBNAIL */
.list-thumb{width:80px;height:60px;object-fit:cover;border-radius:8px;flex-shrink:0;background:var(--bg2)}
.list-item-inner{display:flex;gap:14px;align-items:flex-start}

/* CALLOUT VARIANTS */
.callout-tip{background:#f0fdf4;border-left:4px solid #16a34a;border-radius:0 8px 8px 0;padding:15px 18px;margin:24px 0}
.callout-tip p{margin:0;color:#14532d;font-size:.95rem}
.callout-tip::before{content:'Tip: ';font-weight:700;color:#16a34a}
.callout-stat{background:#fefce8;border-left:4px solid #ca8a04;border-radius:0 8px 8px 0;padding:15px 18px;margin:24px 0}
.callout-stat p{margin:0;color:#713f12;font-size:.95rem}
.callout-warning{background:#fff7ed;border-left:4px solid var(--orange);border-radius:0 8px 8px 0;padding:15px 18px;margin:24px 0}
.callout-warning p{margin:0;color:#9a3412;font-size:.95rem}

/* ALTERNATING SECTIONS (homepage) */
.section-alt{background:#f8f9fa;margin:0 -24px;padding:48px 24px;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section-alt .section-title{margin-top:0}

/* TEAM PHOTO (about) */
.team-photo{width:100%;height:280px;object-fit:cover;border-radius:12px;margin-bottom:8px;display:block;background:var(--bg2)}
.team-photo-caption{font-size:.8rem;color:var(--text3);text-align:center;margin-bottom:20px}

/* ARTICLE BODY SPACING IMPROVEMENTS */
.article-body h2{margin-top:2.2em}
.article-body h3{margin-top:1.8em}
.article-body ul,.article-body ol{margin-bottom:1.5em}
.article-body li{margin-bottom:10px;line-height:1.7}

/* ABOUT / CONTACT CTA FIX */
.cta-btn-inline{display:inline-block;background:var(--orange);color:#fff;font-weight:700;padding:13px 28px;border-radius:8px;text-decoration:none;transition:background .15s}
.cta-btn-inline:hover{background:var(--orange-dark);color:#fff;text-decoration:none}

/* ── V3 IMPROVEMENTS 2026 ────────────────────────────────────────── */

/* LOGO IMG */
.site-logo img{display:block;height:36px;width:auto}

/* HERO LIGHT BACKGROUND */
.hero{background:#f0f4f8}

/* CATEGORY NAV DOTS */
.cat-nav a::before{content:'';display:inline-block;width:7px;height:7px;border-radius:50%;margin-right:6px;vertical-align:middle;flex-shrink:0}
.cat-nav a[href="#auto"]::before{background:#3b82f6}
.cat-nav a[href="#life"]::before{background:#10b981}
.cat-nav a[href="#health"]::before{background:#f43f5e}
.cat-nav a[href="#home"]::before{background:#f59e0b}
.cat-nav a[href="#business"]::before{background:#8b5cf6}
.cat-nav a[href="#fundamentals"]::before{background:#6366f1}
.cat-nav a[href="#specialty"]::before{background:#06b6d4}

/* FEATURED CARD LEFT ACCENT */
.featured-main{border-left:4px solid var(--blue)}
.featured-small{border-left:4px solid var(--blue)}

/* WHY TRUST US */
.why-trust{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:48px 0}
.why-trust-item{text-align:center;padding:30px 22px;background:#f8fafc;border:1px solid var(--border);border-radius:14px;transition:box-shadow .15s}
.why-trust-item:hover{box-shadow:var(--shadow-md)}
.why-trust-icon{font-size:2.2rem;margin-bottom:12px}
.why-trust-item h3{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:8px}
.why-trust-item p{font-size:.88rem;color:var(--text2);line-height:1.65}
@media(max-width:640px){.why-trust{grid-template-columns:1fr}}

/* NEWSLETTER DARK */
.newsletter-section{background:var(--navy);border:none;color:#fff}
.newsletter-section h2{color:#fff}
.newsletter-section p{color:rgba(255,255,255,.78)}
.newsletter-form input{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.28);color:#fff}
.newsletter-form input::placeholder{color:rgba(255,255,255,.45)}
.newsletter-form input:focus{border-color:rgba(255,255,255,.6);box-shadow:none}

/* ARTICLE SECTION DIVIDERS */
.article-body h2::before{content:'';display:block;width:36px;height:3px;background:var(--blue);border-radius:2px;margin-bottom:.65em}

/* STAT CALLOUT BOX */
.stat-callout{background:#fef9c3;border:1px solid #fde047;border-radius:12px;padding:22px 24px;margin:24px 0;text-align:center}
.stat-callout .stat-number{font-size:2.2rem;font-weight:800;color:#92400e;line-height:1;display:block}
.stat-callout .stat-label{font-size:.9rem;color:#713f12;margin-top:6px;display:block}

/* WAS THIS HELPFUL */
.helpful-widget{text-align:center;padding:32px 0 8px;border-top:1px solid var(--border);margin-top:44px}
.helpful-widget>p{font-size:1rem;color:var(--text2);font-weight:600;margin-bottom:16px}
.helpful-buttons{display:flex;justify-content:center;gap:12px}
.helpful-btn{background:#fff;border:1.5px solid var(--border);padding:10px 24px;border-radius:8px;cursor:pointer;font-size:.92rem;font-weight:600;color:var(--text2);transition:all .15s;font-family:inherit}
.helpful-btn:hover{border-color:var(--blue);color:var(--blue);background:var(--blue-light)}
.helpful-btn.voted{background:var(--blue-light);border-color:var(--blue);color:var(--blue)}
.helpful-msg{color:#16a34a;font-size:.9rem;font-weight:600;margin-top:14px!important}

/* PICSUM IMAGE SIZING */
.article-hero-img{width:100%;max-width:720px;height:300px;object-fit:cover;border-radius:12px;margin:20px 0 24px;display:block}
.team-photo{width:100%;height:260px;object-fit:cover;border-radius:12px;margin-bottom:20px;display:block}

/* ── PAGINATION ──────────────────────────────────────────────────── */
.pagination{display:flex;justify-content:center;align-items:center;gap:8px;padding:28px 0 12px;flex-wrap:wrap}
.page-link{display:inline-flex;align-items:center;justify-content:center;min-width:42px;height:42px;padding:0 14px;border:1.5px solid var(--border);border-radius:8px;font-size:.9rem;font-weight:600;color:var(--text2);text-decoration:none;transition:all .15s;background:#fff}
.page-link:hover{border-color:var(--blue);color:var(--blue);background:var(--blue-light);text-decoration:none}
.page-link.active{background:var(--blue);border-color:var(--blue);color:#fff}
.page-link.active:hover{background:var(--blue-dark);text-decoration:none}
.page-link.disabled{opacity:.35;cursor:default;pointer-events:none}
.page-link.prev,.page-link.next{font-size:.85rem;padding:0 16px}
.page-info{font-size:.85rem;color:var(--text3);text-align:center;margin-bottom:4px}

/* HERO REAL IMAGE */
.hero-real-img{width:100%;border-radius:16px;object-fit:cover;height:280px;box-shadow:var(--shadow-md);display:block;margin-bottom:16px}

/* AD SLOTS */
.ad-unit{margin:24px 0;text-align:center;overflow:hidden !important;background:#f8fafc;border:2px dashed #d1d5db;border-radius:8px;padding:0;color:#9ca3af;font-size:13px;font-weight:500;letter-spacing:.5px;text-transform:uppercase;height:90px !important;min-height:90px !important;max-height:90px !important;display:flex;align-items:center;justify-content:center}
.ad-unit::before{content:'Advertisement';display:block}
.sidebar .ad-unit{margin:0}
.ad-container,.advertisement-placeholder{height:90px !important;min-height:90px !important;max-height:90px !important;overflow:hidden !important}
.ad-container{height:90px !important;min-height:90px !important;max-height:90px !important;overflow:hidden !important}
.advertisement-placeholder{height:90px !important;min-height:90px !important;max-height:90px !important;overflow:hidden !important}