/* CoverWise — clean, trustworthy insurance guide design */
:root {
  --navy: #0f2a43;
  --navy-dark: #0a1e31;
  --teal: #0e9f8a;
  --teal-dark: #0b7d6d;
  --bg: #faf9f7;
  --card: #ffffff;
  --text: #1c2733;
  --muted: #5b6b7c;
  --border: #e3e7ec;
  --accent-soft: #e6f5f2;
  --gold: #c9a227;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  font-size: 17px;
}
h1, h2, h3, h4 { font-family: Georgia, "Times New Roman", serif; color: var(--navy); line-height: 1.3; }
a { color: var(--teal-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 100; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; max-width: 1100px; margin: 0 auto; }
.logo { display: flex; align-items: center; gap: 10px; color: #fff; font-family: Georgia, serif; font-size: 24px; font-weight: bold; }
.logo:hover { text-decoration: none; }
.logo svg { width: 30px; height: 30px; }
.main-nav { display: flex; gap: 22px; }
.main-nav a { color: #d7e3ee; font-size: 15px; }
.main-nav a:hover { color: #fff; text-decoration: none; }
.menu-toggle { display: none; background: none; border: 1px solid #3a5570; color: #fff; padding: 8px 12px; border-radius: 6px; font-size: 15px; cursor: pointer; }

/* Hero */
.hero { background: var(--navy); color: #fff; padding: 64px 0 72px; }
.hero h1 { color: #fff; font-size: 44px; margin-bottom: 16px; max-width: 700px; }
.hero p { color: #c6d5e3; font-size: 19px; max-width: 640px; margin-bottom: 28px; }
.hero .cta-row { display: flex; gap: 14px; flex-wrap: wrap; }
.btn { display: inline-block; padding: 13px 26px; border-radius: 8px; font-weight: 600; font-size: 16px; }
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--teal-dark); text-decoration: none; color: #fff; }
.btn-outline { border: 2px solid #4a6a88; color: #fff; }
.btn-outline:hover { border-color: #fff; text-decoration: none; color: #fff; }
.trust-row { display: flex; gap: 26px; margin-top: 34px; flex-wrap: wrap; color: #9fb4c9; font-size: 14px; }
.trust-row span { display: flex; align-items: center; gap: 8px; }

/* Sections */
.section { padding: 56px 0; }
.section-title { font-size: 32px; margin-bottom: 8px; }
.section-sub { color: var(--muted); margin-bottom: 32px; max-width: 700px; }

/* Category cards */
.cat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.cat-card { background: var(--card); border: 1px solid var(--border); border-radius: 12px; padding: 28px 24px; transition: transform .15s, box-shadow .15s; }
.cat-card:hover { transform: translateY(-3px); box-shadow: 0 10px 28px rgba(15,42,67,.10); text-decoration: none; }
.cat-card .icon { width: 48px; height: 48px; border-radius: 12px; background: var(--accent-soft); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.cat-card .icon svg { width: 26px; height: 26px; stroke: var(--teal-dark); }
.cat-card h3 { font-size: 21px; margin-bottom: 8px; }
.cat-card p { color: var(--muted); font-size: 15px; }

/* Article list */
.article-list { display: grid; gap: 0; background: var(--card); border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.article-row { display: flex; gap: 20px; padding: 24px 28px; border-bottom: 1px solid var(--border); align-items: flex-start; }
.article-row:last-child { border-bottom: none; }
.article-row:hover { background: #f4f7f9; }
.article-row .tag { flex-shrink: 0; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--teal-dark); background: var(--accent-soft); padding: 5px 12px; border-radius: 20px; margin-top: 4px; }
.article-row h3 { font-size: 20px; margin-bottom: 6px; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif; font-weight: 700; }
.article-row h3 a { color: var(--navy); }
.article-row p { color: var(--muted); font-size: 15px; }
.article-meta { font-size: 13px; color: var(--muted); margin-top: 8px; }

/* Article page */
.article-hero { background: var(--navy); color: #fff; padding: 52px 0; }
.article-hero .tag { display: inline-block; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: #7de3d2; background: rgba(255,255,255,.08); padding: 5px 14px; border-radius: 20px; margin-bottom: 16px; }
.article-hero h1 { color: #fff; font-size: 38px; max-width: 800px; margin-bottom: 14px; }
.article-hero .article-meta { color: #9fb4c9; }
.article-body { max-width: 760px; margin: 0 auto; padding: 48px 20px; }
.article-body h2 { font-size: 28px; margin: 40px 0 14px; padding-top: 8px; }
.article-body h3 { font-size: 22px; margin: 30px 0 10px; }
.article-body p { margin-bottom: 18px; }
.article-body ul, .article-body ol { margin: 0 0 20px 24px; }
.article-body li { margin-bottom: 10px; }
.toc { background: var(--card); border: 1px solid var(--border); border-radius: 10px; padding: 22px 26px; margin: 28px 0; }
.toc h4 { font-family: -apple-system, sans-serif; font-size: 15px; text-transform: uppercase; letter-spacing: .5px; margin-bottom: 10px; color: var(--muted); }
.toc ol { margin: 0 0 0 20px; }
.toc li { margin-bottom: 6px; font-size: 15px; }
.callout { background: var(--accent-soft); border-left: 4px solid var(--teal); border-radius: 0 10px 10px 0; padding: 18px 22px; margin: 28px 0; }
.callout strong { color: var(--navy); }
.faq { margin: 20px 0; }
.faq details { background: var(--card); border: 1px solid var(--border); border-radius: 8px; margin-bottom: 10px; padding: 16px 20px; }
.faq summary { font-weight: 600; cursor: pointer; color: var(--navy); }
.faq details p { margin: 10px 0 0; color: var(--muted); font-size: 15px; }
.author-box { display: flex; gap: 18px; background: var(--card); border: 1px solid var(--border); border-radius: 12px; padding: 24px; margin: 44px 0; align-items: center; }
.author-avatar { width: 64px; height: 64px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-family: Georgia, serif; font-size: 26px; flex-shrink: 0; }
.author-box p { font-size: 15px; color: var(--muted); margin: 0; }
.author-box strong { color: var(--navy); }
.disclosure { font-size: 13px; color: var(--muted); background: #f1f3f5; border-radius: 8px; padding: 16px 20px; margin: 30px 0; }

/* Comparison table */
.compare-table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 15px; }
.compare-table th { background: var(--navy); color: #fff; text-align: left; padding: 12px 16px; }
.compare-table td { border: 1px solid var(--border); padding: 12px 16px; }
.compare-table tr:nth-child(even) td { background: #f7f9fb; }

/* Footer */
.site-footer { background: var(--navy-dark); color: #9fb4c9; padding: 52px 0 28px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 36px; }
.footer-grid h4 { color: #fff; font-family: -apple-system, sans-serif; font-size: 15px; margin-bottom: 14px; }
.footer-grid a { color: #9fb4c9; display: block; margin-bottom: 10px; font-size: 14px; }
.footer-grid a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid #22384f; padding-top: 24px; font-size: 13px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }

/* Breadcrumb */
.breadcrumb { font-size: 13px; color: var(--muted); margin-bottom: 20px; }

/* Responsive */
@media (max-width: 860px) {
  .cat-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 34px; }
  .article-hero h1 { font-size: 30px; }
  .main-nav { display: none; flex-direction: column; position: absolute; top: 60px; left: 0; right: 0; background: var(--navy); padding: 16px 20px 24px; gap: 14px; }
  .main-nav.open { display: flex; }
  .menu-toggle { display: block; }
}
@media (max-width: 560px) {
  .cat-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .article-row { flex-direction: column; gap: 10px; }
  body { font-size: 16px; }
}