/* Relief Rates — editorial finance/insurance blog. Self-contained, system fonts. */
:root{
  --ink:#0b3d2e;        /* deep green */
  --ink-2:#12694e;
  --gold:#c9a24b;
  --gold-dk:#a9822f;
  --navy:#1f3a5f;
  --paper:#fbfaf6;
  --card:#ffffff;
  --text:#232b31;
  --muted:#5f6b73;
  --line:#e7e3da;
  --shadow:0 1px 2px rgba(16,32,26,.04),0 8px 24px rgba(16,32,26,.06);
  --serif:'Iowan Old Style','Palatino Linotype',Palatino,Georgia,'Times New Roman',serif;
  --sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --wrap:1140px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--sans);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--ink-2);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--serif);color:var(--ink);line-height:1.15;font-weight:600;letter-spacing:-.01em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.muted{color:var(--muted)}
.kicker{font-family:var(--sans);text-transform:uppercase;letter-spacing:.16em;font-size:.72rem;
  font-weight:700;color:var(--gold-dk);margin:0 0 .7em}

/* ---------- Header ---------- */
.site-header{background:rgba(251,250,246,.92);backdrop-filter:saturate(1.4) blur(8px);
  border-bottom:1px solid var(--line);position:relative;z-index:40}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:inline-flex;align-items:center;gap:9px;font-family:var(--serif);font-weight:700;
  font-size:1.32rem;color:var(--ink);letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand-name em{font-style:normal;color:var(--gold-dk)}
.logo-mark{flex:none}
nav[aria-label="Primary"]{display:flex;align-items:center}
.nav-list{list-style:none;display:flex;gap:6px;margin:0;padding:0}
.nav-list a{display:inline-block;padding:8px 12px;border-radius:8px;color:var(--text);
  font-size:.95rem;font-weight:500}
.nav-list a:hover{background:rgba(11,61,46,.06);text-decoration:none}
.nav-list a.current{color:var(--ink);background:rgba(11,61,46,.08);font-weight:600}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;
  font-size:1.2rem;padding:4px 10px;cursor:pointer;color:var(--ink)}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(160deg,#0b3d2e,#0e5540 60%,#12694e);color:#fff;
  padding:76px 0 84px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;
  background:radial-gradient(circle,rgba(201,162,75,.28),transparent 65%);pointer-events:none}
.hero .kicker{color:var(--gold)}
.hero h1{color:#fff;font-size:clamp(2.3rem,5.4vw,3.9rem);margin:0 0 .35em;letter-spacing:-.02em}
.hero-dek{max-width:40rem;font-size:1.18rem;color:rgba(255,255,255,.9);margin:0 0 2em}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:13px 24px;border-radius:10px;font-weight:600;font-size:.98rem;
  cursor:pointer;transition:transform .12s ease,box-shadow .12s ease,background .12s ease;border:1px solid transparent}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:#2a2410;box-shadow:var(--shadow)}
.btn-primary:hover{background:#d7b25e}
.btn-gold{background:var(--gold);color:#2a2410;box-shadow:var(--shadow)}
.btn-gold:hover{background:#d7b25e}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}

/* ---------- Featured ---------- */
.featured-wrap{margin-top:-46px;position:relative;z-index:5}
.featured{display:grid;grid-template-columns:1.05fr 1.2fr;background:var(--card);border:1px solid var(--line);
  border-radius:16px;overflow:hidden;box-shadow:var(--shadow);color:var(--text)}
.featured:hover{text-decoration:none;box-shadow:0 12px 36px rgba(16,32,26,.12)}
.featured-media{min-height:280px;background:linear-gradient(150deg,var(--c1),var(--c2));position:relative;overflow:hidden}
.featured-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.featured-body{padding:40px}
.featured-body h2{font-size:1.9rem;margin:.1em 0 .4em}
.featured-body p{color:var(--muted);margin:0 0 1.3em}
.card-cat{position:absolute;left:18px;top:18px;background:rgba(0,0,0,.32);color:#fff;
  font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:6px 11px;border-radius:20px;backdrop-filter:blur(2px)}

/* ---------- Topics strip ---------- */
.topics-strip{display:flex;flex-wrap:wrap;gap:10px;margin:44px auto}
.chip{display:inline-block;padding:8px 16px;border:1px solid var(--line);border-radius:22px;
  background:var(--card);color:var(--ink);font-weight:600;font-size:.9rem}
.chip:hover{border-color:var(--gold);color:var(--gold-dk);text-decoration:none}

/* ---------- Section head ---------- */
.section-head{margin:24px 0 22px;padding-bottom:14px;border-bottom:2px solid var(--ink)}
.section-head h2{font-size:1.55rem;margin:0}
.section-head p{margin:.35em 0 0;color:var(--muted);font-size:.98rem}

/* ---------- Card grid ---------- */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-bottom:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden;
  display:flex;flex-direction:column;box-shadow:var(--shadow);transition:transform .14s ease,box-shadow .14s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(16,32,26,.1)}
.card-media{display:block;height:180px;background:linear-gradient(150deg,var(--c1),var(--c2));position:relative;overflow:hidden}
.card-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block;transition:transform .4s ease}
.card:hover .card-media img{transform:scale(1.04)}
.card-body{padding:20px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.card-title{font-family:var(--serif);font-size:1.18rem;font-weight:600;color:var(--ink);line-height:1.25}
.card-title:hover{color:var(--ink-2);text-decoration:none}
.card-dek{color:var(--muted);font-size:.95rem;margin:0;flex:1}
.card-meta{color:var(--muted);font-size:.8rem;margin-top:4px}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);color:#fff;margin-top:64px;padding:64px 0}
.cta-band-inner{text-align:center;max-width:44rem;margin:0 auto}
.cta-band h2{color:#fff;font-size:1.9rem;margin:0 0 .4em}
.cta-band p{color:rgba(255,255,255,.85);margin:0 0 1.6em}
.cta-band .btn{margin-bottom:1.2em}
.cta-fine{font-size:.8rem;color:rgba(255,255,255,.6)}
.cta-fine a{color:rgba(255,255,255,.85);text-decoration:underline}

/* ---------- Category / page hero ---------- */
.cat-hero,.page-hero{background:linear-gradient(150deg,var(--c1,#0b3d2e),var(--c2,#12694e));color:#fff;padding:60px 0}
.cat-hero .kicker,.page-hero .kicker{color:rgba(255,255,255,.75)}
.cat-hero h1,.page-hero h1{color:#fff;font-size:clamp(2rem,4.5vw,2.9rem);margin:0 0 .3em}
.cat-dek,.page-dek{color:rgba(255,255,255,.9);max-width:40rem;font-size:1.1rem;margin:0}
.card-grid{margin-top:40px}

/* ---------- Article ---------- */
.article-head{max-width:760px;margin:0 auto;padding-top:46px;text-align:center}
.crumb{display:inline-block;text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;
  font-weight:700;color:var(--gold-dk);margin-bottom:1em}
.article-head h1{font-size:clamp(1.9rem,4vw,2.9rem);margin:0 0 .35em}
.article-dek{font-size:1.2rem;color:var(--muted);margin:0 0 1.1em}
.byline{color:var(--muted);font-size:.9rem;border-top:1px solid var(--line);border-bottom:1px solid var(--line);
  padding:14px 0;display:inline-block}
.article-hero{height:clamp(200px,34vw,380px);background:linear-gradient(150deg,var(--c1),var(--c2));
  border-radius:16px;max-width:1000px;margin:34px auto 0;position:relative;overflow:hidden}
.article-hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.article-body{max-width:720px;margin:0 auto;padding:44px 24px 20px}
.article-body p,.prose p{margin:0 0 1.25em;font-size:1.08rem}
.article-body h2,.prose h2{font-size:1.55rem;margin:1.8em 0 .5em}
.article-body h3,.prose h3{font-size:1.2rem;margin:1.5em 0 .4em}
.article-body ul,.article-body ol,.prose ul,.prose ol{margin:0 0 1.35em;padding-left:1.3em}
.article-body li,.prose li{margin:.45em 0}
.article-body strong{color:var(--ink)}

/* ---------- Promo / in-article CTA ---------- */
.promo{margin:2em 0;border:1px solid var(--line);border-radius:14px;overflow:hidden;
  background:linear-gradient(135deg,#f4f1e8,#faf8f1)}
.promo-inner{padding:26px 28px;border-left:4px solid var(--gold)}
.promo h3{margin:0 0 .3em;font-size:1.2rem}
.promo p{margin:0 0 1em;color:var(--muted);font-size:1rem}
.promo-fine{display:block;margin-top:.9em;font-size:.76rem;color:var(--muted)}

/* ---------- Disclosure note ---------- */
.disclosure-note{margin:2.4em 0 .5em;padding:16px 18px;background:#f3f1ea;border-radius:10px;
  font-size:.82rem;color:var(--muted);line-height:1.55}

/* ---------- Prose (about/contact) ---------- */
.prose{max-width:760px;margin:0 auto;padding:48px 24px}
.prose h2{font-size:1.5rem}
.contact-cols{display:grid;grid-template-columns:1.3fr 1fr;gap:44px;max-width:960px}
.contact-card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:var(--shadow)}
.contact-card h3{margin:0 0 .5em}
.contact-card p{margin:.2em 0 1em;font-size:.98rem}
.contact-mail a{font-size:1.3rem;font-weight:600;color:var(--ink)}

/* ---------- Legal ---------- */
.legal{padding:20px 0 30px}
.legal-inner{max-width:780px;margin:0 auto;padding-top:44px}
.legal-inner h1{font-size:clamp(2rem,4vw,2.7rem);margin:0 0 .2em}
.legal-meta{color:var(--muted);font-size:.85rem;margin:0}
.legal-inner h2{font-size:1.28rem;margin:1.9em 0 .4em}
.legal-inner h3{font-size:1.05rem;margin:1.4em 0 .3em}
.legal-inner p,.legal-inner li{font-size:1rem;color:#333}
.legal-rule{display:flex;align-items:center;justify-content:center;gap:16px;color:var(--gold);margin:2em 0}
.legal-rule span{height:1px;width:80px;background:var(--line)}
.legal-toc{background:#f4f2ea;border:1px solid var(--line);border-radius:12px;padding:18px 24px;margin:1.6em 0 2em}
.legal-toc span{display:block;font-family:var(--sans);text-transform:uppercase;letter-spacing:.12em;
  font-size:.7rem;font-weight:700;color:var(--gold-dk);margin-bottom:.5em}
.legal-toc ol{margin:0;padding-left:1.3em;columns:2;column-gap:32px;font-size:.92rem}
.legal-toc li{margin:.2em 0}

/* ---------- Footer ---------- */
.site-footer{background:#08281e;color:rgba(255,255,255,.8);margin-top:0;padding:56px 0 30px}
.cta-band + .site-footer,.article-page .site-footer,.legal + .site-footer{margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px;padding-bottom:36px;
  border-bottom:1px solid rgba(255,255,255,.12)}
.footer-brand .brand{color:#fff}
.footer-brand .brand-name em{color:var(--gold)}
.footer-tag{margin:.9em 0 1em;color:rgba(255,255,255,.65);font-size:.95rem;max-width:22rem}
.footer-addr{font-size:.85rem;color:rgba(255,255,255,.6);line-height:1.7}
.footer-addr a{color:var(--gold)}
.footer-col h4{color:#fff;font-family:var(--sans);font-size:.78rem;text-transform:uppercase;
  letter-spacing:.14em;margin:0 0 1em}
.footer-col a{display:block;color:rgba(255,255,255,.72);font-size:.92rem;padding:5px 0}
.footer-col a:hover{color:var(--gold)}
.footer-legal{padding-top:26px}
.footer-legal p{font-size:.78rem;color:rgba(255,255,255,.5);line-height:1.6;margin:0 0 1em}
.footer-legal a{color:rgba(255,255,255,.72)}
.footer-legal .copyright{font-size:.8rem;color:rgba(255,255,255,.6)}

/* ---------- Reveal ---------- */
.reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .featured{grid-template-columns:1fr}
  .featured-media{min-height:200px}
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .contact-cols{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:680px){
  body{font-size:16px}
  .nav-toggle{display:block}
  .nav-list{position:absolute;top:70px;left:0;right:0;flex-direction:column;gap:0;background:var(--paper);
    border-bottom:1px solid var(--line);padding:8px 16px 16px;display:none;box-shadow:var(--shadow)}
  body.nav-open .nav-list{display:flex}
  .nav-list a{padding:12px 8px;border-radius:0;border-bottom:1px solid var(--line)}
  .card-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .legal-toc ol{columns:1}
  .hero{padding:54px 0 64px}
  .featured-body{padding:26px}
}