/* Truly Insurance — site theme. Layout follows the original WordPress site
   (masthead, blue menu bar, category kicker, featured image, right sidebar). */

@font-face {
  font-family: "Work Sans";
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url("/fonts/work-sans-latin.woff2") format("woff2");
}

:root {
  --blue: #1e73be;
  --blue-dark: #165a96;
  --blue-ink: #0f3e6e;
  --navy: #0f2a4a;
  --purple: #6f5fb8;
  --grad: linear-gradient(90deg, #1e73be, #6f5fb8);
  --ink: #1f2933;
  --heading: #111827;
  --muted: #5d6b7c;
  --line: #e2e8f0;
  --tint: #eef5fc;
  --paper: #f7f9fc;
  --radius: 12px;
  --font: "Work Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 16px; }
body { margin: 0; font: 17px/1.7 var(--font); color: var(--ink); background: #fff; display: flex; flex-direction: column; min-height: 100vh; }
main { flex: 1 0 auto; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: var(--blue-dark); }
:focus-visible { outline: 3px solid #f2b705; outline-offset: 2px; }
h1, h2, h3, h4 { color: var(--heading); line-height: 1.25; letter-spacing: -0.01em; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: -9999px; top: 8px; z-index: 50; background: #fff; padding: 8px 14px; border-radius: 6px; }
.skip-link:focus { left: 12px; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ------------------------------------------------------------- header */
.site-header { position: relative; z-index: 20; background: #fff; border-bottom: 1px solid var(--line); }
.site-header::before { content: ""; display: block; height: 3px; background: var(--grad); }
.header-inner { display: flex; align-items: center; gap: 12px; min-height: 66px; }
.logo { flex: none; display: flex; align-items: center; gap: 9px; margin-right: 18px; text-decoration: none; }
.logo-mark { display: block; width: 36px; height: 36px; flex: none; }
.logo-word { font-size: 20px; font-weight: 500; letter-spacing: -0.015em; color: var(--blue); white-space: nowrap; }
.logo-word b { font-weight: 700; color: var(--navy); }

.menu { margin-right: auto; }
.menu > ul { display: flex; list-style: none; margin: 0; padding: 0; }
.menu-item { position: relative; }
.menu-item > a { position: relative; display: block; padding: 22px 12px; color: var(--navy); font-weight: 600; font-size: 15px; text-decoration: none; white-space: nowrap; }
.menu-item > a::before { content: ""; position: absolute; left: 12px; right: 12px; bottom: 14px; height: 2px; border-radius: 2px; background: var(--blue); transform: scaleX(0); transition: transform 0.15s; }
.menu-item.has-dropdown > a::after { content: ""; display: inline-block; margin-left: 6px; vertical-align: 3px; border: 4px solid transparent; border-top-color: currentColor; border-bottom: 0; opacity: 0.6; }
.menu-item > a:hover, .menu-item:focus-within > a, .menu-item.is-current > a { color: var(--blue); }
.menu-item > a:hover::before, .menu-item:focus-within > a::before, .menu-item.is-current > a::before { transform: scaleX(1); }
.dropdown { display: none; position: absolute; top: calc(100% - 4px); left: 0; min-width: 260px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 16px 40px rgba(15, 42, 74, 0.16); padding: 10px 0 12px; }
.dropdown-cols { min-width: 420px; }
.dropdown-cols ul { columns: 2; column-gap: 0; }
.menu-item:hover .dropdown, .menu-item:focus-within .dropdown { display: block; }
.dropdown ul { list-style: none; margin: 0; padding: 0; }
.dropdown li { break-inside: avoid; }
.dropdown a { display: block; padding: 6px 20px; color: var(--ink); font-size: 15px; text-decoration: none; line-height: 1.4; }
.dropdown a:hover { background: var(--tint); color: var(--blue-ink); }
.dropdown-all { margin-top: 6px; border-top: 1px solid var(--line); padding-top: 10px !important; font-weight: 600; color: var(--blue) !important; }

.search { position: relative; display: flex; align-items: center; flex: none; }
.search input { width: 150px; font: inherit; font-size: 14px; padding: 7px 36px 7px 14px; border: 1px solid var(--line); border-radius: 999px; background: var(--paper); color: var(--ink); transition: width 0.2s, background 0.2s, border-color 0.2s; }
.search input:focus { width: 220px; background: #fff; border-color: var(--blue); outline: none; box-shadow: 0 0 0 3px rgba(30, 115, 190, 0.15); }
.search button { position: absolute; right: 4px; display: grid; place-items: center; width: 28px; height: 28px; border: 0; border-radius: 50%; background: transparent; color: var(--navy); cursor: pointer; }
.search button:hover { background: var(--tint); color: var(--blue); }

.mobile-menu { display: none; }
.mobile-menu summary { list-style: none; display: flex; align-items: center; gap: 10px; padding: 8px 12px; border: 1px solid var(--line); border-radius: 999px; color: var(--navy); font-weight: 600; font-size: 15px; cursor: pointer; }
.mobile-menu summary::-webkit-details-marker { display: none; }
.mobile-menu[open] summary { background: var(--tint); border-color: #c8d9ec; }
.burger, .burger::before, .burger::after { display: block; width: 18px; height: 2px; background: currentColor; border-radius: 2px; position: relative; }
.burger::before, .burger::after { content: ""; position: absolute; left: 0; }
.burger::before { top: -6px; }
.burger::after { top: 6px; }
.mobile-panel { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 16px 40px rgba(15, 42, 74, 0.16); padding: 14px 24px 16px; }
.mobile-panel .search { display: none; margin-bottom: 6px; }
.mobile-panel .search input, .mobile-panel .search input:focus { width: 100%; }
.mobile-group { border-bottom: 1px solid var(--line); padding: 10px 0; }
.mobile-group:last-child { border-bottom: 0; }
.mobile-top { display: block; font-weight: 700; color: var(--heading); text-decoration: none; }
.mobile-sub { display: block; font-size: 15px; text-decoration: none; }

/* ---------------------------------------------------------- page frame */
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; margin: 0; padding: 22px 0 0; font-size: 14px; color: var(--muted); }
.breadcrumbs li + li::before { content: "›"; margin-right: 6px; color: #9aa7b6; }
.breadcrumbs a { color: var(--muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--blue); text-decoration: underline; }

.page-grid { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 56px; align-items: start; padding: 8px 0 56px; }
.page-grid.no-sidebar { grid-template-columns: minmax(0, 820px); }
.entry { min-width: 0; }
.entry-header { padding: 14px 0 6px; }
.kicker { margin: 0 0 6px; font-size: 13px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.kicker a { color: var(--blue); text-decoration: none; }
.kicker a:hover { text-decoration: underline; }
.entry-header h1 { margin: 0 0 12px; font-size: 42px; font-weight: 700; line-height: 1.15; }
.byline { margin: 0; font-size: 14px; color: var(--muted); }
.byline span { margin: 0 8px; }
.entry-header + .prose, .entry-header + .toc-mobile, .entry-header + .glance-inline { margin-top: 26px; }
.entry-hero { margin: 22px 0 28px; }
.entry-hero img { width: 100%; max-height: 460px; object-fit: cover; border-radius: var(--radius); background: var(--paper); }

/* --------------------------------------------------------------- prose */
.prose { max-width: 760px; }
.prose > p:first-child { font-size: 20px; line-height: 1.6; color: var(--heading); }
.prose h2 { font-size: 28px; font-weight: 700; margin: 44px 0 12px; }
.prose h3 { font-size: 21px; font-weight: 700; margin: 28px 0 8px; }
.prose p, .prose ul, .prose ol { margin: 0 0 18px; }
.prose li { margin: 6px 0; }
.prose li::marker { color: var(--blue); }
.prose strong { color: var(--heading); }
.table-wrap { overflow-x: auto; margin: 22px 0 26px; border: 1px solid var(--line); border-radius: var(--radius); }
.prose table { width: 100%; border-collapse: collapse; font-size: 15px; line-height: 1.55; }
.prose th, .prose td { text-align: left; vertical-align: top; padding: 11px 14px; }
.prose th { background: var(--tint); color: var(--blue-ink); font-weight: 600; }
.prose td { border-top: 1px solid var(--line); }
.prose tr:nth-child(even) td { background: #fafcfe; }
.prose td:first-child { font-weight: 600; color: var(--heading); }

.callout { border-radius: 16px; padding: 6px 28px 14px; margin: 30px 0; }
.callout h2 { margin-top: 20px; }
.best-for { position: relative; overflow: hidden; border: 1px solid var(--line); box-shadow: 0 6px 24px rgba(15, 42, 74, 0.06); }
.best-for::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 6px; background: var(--grad); }
.best-for ul { list-style: none; padding: 0; }
.best-for li { position: relative; padding-left: 32px; margin: 12px 0; }
.best-for li::before { content: "\2713"; position: absolute; left: 0; top: 3px; width: 21px; height: 21px; border-radius: 50%; background: var(--blue); color: #fff; font-size: 12px; font-weight: 700; line-height: 21px; text-align: center; }
.bottom-line { background: linear-gradient(135deg, #e9f2fb, #f1eefa); }
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin: 20px 0 26px; }
.pros, .cons { border-radius: 14px; padding: 4px 22px 8px; background: #eef8f1; }
.cons { background: #fdf4ea; }
.pros h3 { color: #1f6b3a; }
.cons h3 { color: #94500f; }
.disclosure { margin: 40px 0 0; padding: 16px 20px; border-radius: 10px; background: var(--paper); border: 1px solid var(--line); font-size: 14px; line-height: 1.6; color: var(--muted); }
.disclosure p { margin: 0; }

/* ------------------------------------------------------------- sidebar */
.sidebar-sticky { position: sticky; top: 20px; display: grid; gap: 20px; }
.glance { background: var(--tint); border-radius: 16px; padding: 18px 22px; }
.glance-title, .toc-title { margin: 0 0 8px; font-size: 13px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--blue-ink); }
.glance dl { margin: 0; }
.glance dl > div { padding: 10px 0; border-top: 1px solid #d3e2f1; }
.glance dl > div:first-child { border-top: 0; padding-top: 2px; }
.glance dt { font-size: 13px; color: var(--muted); }
.glance dd { margin: 0; font-weight: 600; color: var(--heading); line-height: 1.45; }
.glance dd span { display: block; font-weight: 400; font-size: 13px; color: var(--muted); }
.glance-note { margin: 10px 0 0; font-size: 13px; color: var(--muted); line-height: 1.5; }
.glance-inline { display: none; margin: 0 0 24px; }
.toc ol { list-style: none; margin: 0; padding: 0; font-size: 14px; line-height: 1.45; }
.toc a { display: block; padding: 6px 0 6px 12px; border-left: 2px solid var(--line); color: var(--muted); text-decoration: none; }
.toc a:hover { color: var(--blue); border-left-color: var(--blue); }
.toc-mobile { display: none; margin: 0 0 24px; border: 1px solid var(--line); border-radius: var(--radius); padding: 0 18px; }
.toc-mobile summary { cursor: pointer; padding: 12px 0; font-weight: 600; }
.toc-mobile ol { margin: 0 0 14px; padding-left: 20px; font-size: 15px; }

/* --------------------------------------------------------------- cards */
.cards { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.card a { display: flex; flex-direction: column; height: 100%; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; background: #fff; color: var(--ink); text-decoration: none; transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s; }
.card a:hover { transform: translateY(-2px); border-color: #c8d9ec; box-shadow: 0 10px 28px rgba(15, 42, 74, 0.1); }
.card-media { display: block; aspect-ratio: 16 / 9; background: linear-gradient(135deg, #e7f1fb, #f0ecfa); }
.card-media img { width: 100%; height: 100%; object-fit: cover; }
.card-body { display: block; padding: 16px 18px 18px; }
.card-title { margin: 0 0 6px; font-size: 18px; font-weight: 700; color: var(--blue-ink); line-height: 1.3; }
.card-excerpt { display: block; font-size: 15px; line-height: 1.55; color: var(--muted); }
.cards-compact { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.cards-compact .card-media { display: none; }

.section-index { margin-top: 48px; }
.section-index h2, .related h2 { font-size: 24px; margin: 0 0 18px; }
.related { border-top: 1px solid var(--line); padding: 40px 0 64px; }

/* ---------------------------------------------------------------- home */
.home-hero { background: linear-gradient(135deg, #e7f1fb 0%, #f0ecfa 100%); padding: 56px 0 52px; }
.home-hero h1 { margin: 0 0 18px; font-size: 46px; font-weight: 700; line-height: 1.12; max-width: 22ch; }
.home-hero .kicker { color: var(--blue); }
.home-hero .lead { max-width: 66ch; margin: 0 0 18px; font-size: 19px; line-height: 1.65; }
.hero-note { max-width: 66ch; margin: 0; padding: 12px 16px; border-radius: 10px; background: rgba(255, 255, 255, 0.75); font-size: 15px; color: var(--muted); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) 380px; gap: 56px; align-items: center; }
.hero-copy { min-width: 0; }
.hero-card { background: #fff; border: 1px solid rgba(30, 115, 190, 0.12); border-radius: 20px; padding: 22px 22px 20px; box-shadow: 0 18px 50px rgba(15, 42, 74, 0.12); }
.hero-card h2 { margin: 0 0 10px; font-size: 13px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--blue-ink); }
.quick-links { list-style: none; margin: 0; padding: 0; }
.quick-links a { display: flex; align-items: center; gap: 14px; padding: 11px 10px; margin: 0 -10px; border-radius: 12px; color: var(--ink); text-decoration: none; }
.quick-links a::after { content: "\203A"; margin-left: auto; font-size: 22px; line-height: 1; color: #a3b3c6; transition: transform 0.15s, color 0.15s; }
.quick-links a:hover { background: var(--tint); }
.quick-links a:hover::after { color: var(--blue); transform: translateX(3px); }
.quick-links li + li a { border-top: 1px solid #edf1f6; border-radius: 0 0 12px 12px; }
.quick-links li + li a:hover { border-top-color: transparent; border-radius: 12px; }
.ql-icon { display: grid; place-items: center; flex: none; width: 42px; height: 42px; border-radius: 12px; background: linear-gradient(135deg, #e7f1fb, #efebfa); color: var(--blue); }
.ql-icon svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.9; stroke-linecap: round; stroke-linejoin: round; }
.ql-text { display: flex; flex-direction: column; line-height: 1.3; }
.ql-text b { font-size: 16px; color: var(--heading); }
.ql-text small { margin-top: 2px; font-size: 14px; color: var(--muted); }
.hero-search { margin-top: 14px; padding-top: 16px; border-top: 1px solid var(--line); }
.hero-search .search input, .hero-search .search input:focus { width: 100%; padding-top: 10px; padding-bottom: 10px; }
.hero-search .search { width: 100%; }
.home-section { padding-top: 48px; }
.section-head { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; flex-wrap: wrap; margin-bottom: 18px; }
.section-head h2 { margin: 0; font-size: 28px; }
.section-head a { font-weight: 600; }
.home-grid { padding-top: 40px; }
.side-box { border: 1px solid var(--line); border-radius: 14px; padding: 16px 20px; }
.side-box h2 { margin: 0 0 8px; font-size: 17px; }
.side-box h2 a { color: var(--heading); text-decoration: none; }
.side-box h2 a:hover { color: var(--blue); }
.side-links { list-style: none; margin: 0; padding: 0; font-size: 15px; line-height: 1.45; }
.side-links li { padding: 6px 0; border-top: 1px solid #edf1f6; }
.side-links li:first-child { border-top: 0; }
.side-links a { color: var(--ink); text-decoration: none; }
.side-links a:hover { color: var(--blue); text-decoration: underline; }
.home-sidebar { display: grid; gap: 18px; }
.chips { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.chips a { display: inline-block; padding: 5px 12px; border: 1px solid var(--line); border-radius: 999px; font-size: 14px; color: var(--blue-ink); text-decoration: none; background: #fff; }
.chips a:hover { background: var(--blue); border-color: var(--blue); color: #fff; }

/* ------------------------------------------------------------- archive */
.archive-header { padding: 14px 0 10px; max-width: 820px; }
.archive-header h1 { margin: 0 0 12px; font-size: 42px; }
.archive-header .lead { font-size: 18px; color: var(--muted); margin: 0 0 20px; }
.az-jump { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 8px; }
.az-jump a { display: grid; place-items: center; min-width: 34px; height: 34px; border: 1px solid var(--line); border-radius: 8px; font-weight: 600; text-decoration: none; color: var(--blue-ink); }
.az-jump a:hover { background: var(--blue); border-color: var(--blue); color: #fff; }
.az-group { padding: 18px 0 8px; }
.az-letter { font-size: 22px; margin: 0 0 12px; padding-bottom: 6px; border-bottom: 2px solid var(--blue); width: max-content; min-width: 36px; }
.page-archive main > .wrap { padding-bottom: 56px; }

/* ----------------------------------------------------------------- 404 */
.not-found { padding: 56px 24px 80px; max-width: 760px; }
.not-found h1 { font-size: 42px; margin: 0 0 12px; }
.not-found .lead { font-size: 19px; }
.not-found-links { padding-left: 20px; font-size: 18px; }

/* -------------------------------------------------------------- footer */
.site-footer { background: var(--navy); color: #c7d4e4; font-size: 15px; }
.site-footer::before { content: ""; display: block; height: 4px; background: var(--grad); }
.site-footer .wrap { padding-top: 44px; padding-bottom: 32px; }
.footer-cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; }
.footer-cols h2 { margin: 0 0 10px; font-size: 16px; }
.footer-cols h2 a { color: #fff; text-decoration: none; }
.footer-cols ul { list-style: none; margin: 0; padding: 0; }
.footer-cols li { padding: 3px 0; line-height: 1.45; }
.site-footer a { color: #c7d4e4; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-bottom { margin-top: 36px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, 0.14); }
.footer-brand { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 14px; }
.footer-brand .logo { margin-right: 0; }
.footer-brand .logo-word, .footer-brand .logo-word b { color: #fff; }
.footer-tagline { margin: 0; color: #8ea3bd; font-size: 14px; }
.footer-note { max-width: 80ch; margin: 0 0 10px; }
.footer-note a { color: #fff; text-decoration: underline; }
.footer-legal { margin: 0; color: #8ea3bd; font-size: 14px; }
.footer-legal a { color: #b5c4d6; }

/* ---------------------------------------------------------- responsive */
@media (max-width: 1180px) {
  .logo { margin-right: 8px; }
  .logo-word { font-size: 18px; }
  .menu-item > a { padding: 22px 9px; font-size: 14px; }
  .menu-item > a::before { left: 9px; right: 9px; }
  .search input { width: 120px; }
  .search input:focus { width: 180px; }
}
@media (max-width: 960px) {
  .menu { display: none; }
  .hero-grid { grid-template-columns: minmax(0, 1fr); gap: 32px; }
  .hero-card { max-width: 560px; }
  .header-inner > .search { margin-left: auto; }
  .mobile-menu { display: block; }
  .page-grid { grid-template-columns: minmax(0, 1fr); gap: 0; }
  .sidebar { display: none; }
  .home-sidebar { display: grid; margin-top: 32px; }
  .glance-inline, .toc-mobile { display: block; }
  .cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-cols { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 18px; }
  .header-inner { min-height: 58px; }
  .logo-mark { width: 32px; height: 32px; }
  .header-inner > .search { display: none; }
  .mobile-menu { margin-left: auto; }
  .mobile-panel .search { display: flex; }
  .entry-header h1, .archive-header h1, .not-found h1 { font-size: 30px; }
  .home-hero { padding: 36px 0 32px; }
  .home-hero h1 { font-size: 32px; }
  .prose > p:first-child { font-size: 18px; }
  .prose h2 { font-size: 24px; }
  .cards, .cards-compact, .pros-cons { grid-template-columns: minmax(0, 1fr); }
  .callout { padding: 4px 18px 10px; }
  .footer-cols { grid-template-columns: minmax(0, 1fr); }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .card a { transition: none; }
}