/* ── INSURANCE PRO — SHARED STYLES FOR LANDING & BLOG PAGES ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#050C15;--bg2:#080F1C;--bg3:#0B1628;--bg4:#0F1E30;
  --purple:#7C3AED;--purp-lt:#A855F7;--cyan:#06B6D4;--cyan-lt:#22D3EE;
  --neon:#00F5D4;--pink:#EC4899;--gold:#F59E0B;
  --border:rgba(124,58,237,.22);--border2:rgba(6,182,212,.18);
  --muted:#94A3B8;--text:#E2E8F0;--white:#fff;
  --grad:linear-gradient(135deg,#7C3AED,#06B6D4);
  --grad2:linear-gradient(135deg,#06B6D4,#00F5D4);
  --grad3:linear-gradient(135deg,#EC4899,#7C3AED);
}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--text);background:var(--bg);line-height:1.6;overflow-x:hidden}
h1,h2,h3,h4{font-family:'Montserrat',sans-serif;font-weight:800;line-height:1.2}
a{color:var(--cyan-lt);text-decoration:none}
a:hover{text-decoration:underline}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(5,12,21,.92);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);transition:.3s}
.nav-inner{max-width:1240px;margin:0 auto;padding:0 2rem;display:flex;align-items:center;justify-content:space-between;height:70px}
.nav-logo{display:flex;align-items:center;gap:.75rem;text-decoration:none}
.logo-badge{width:40px;height:40px;background:var(--grad);border-radius:10px;display:flex;align-items:center;justify-content:center;font-family:'Montserrat',sans-serif;font-weight:900;font-size:.9rem;color:#fff}
.logo-text{display:flex;flex-direction:column}
.logo-name{color:#fff;font-family:'Montserrat',sans-serif;font-weight:800;font-size:.95rem}
.logo-sub{font-size:.58rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;background:var(--grad);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.nav-links{display:flex;list-style:none;gap:1.5rem;align-items:center}
.nav-links a{color:rgba(255,255,255,.72);text-decoration:none;font-family:'Montserrat',sans-serif;font-size:.8rem;font-weight:600;transition:.2s}
.nav-links a:hover,.nav-links a.active{color:var(--cyan-lt)}
.nav-cta{background:var(--grad)!important;color:#fff!important;padding:.45rem 1.1rem;border-radius:50px;font-weight:700!important}

/* BREADCRUMB */
.breadcrumb{padding:1rem 2rem;background:rgba(11,22,40,.6);border-bottom:1px solid rgba(124,58,237,.1);font-size:.78rem;color:var(--muted);margin-top:70px}
.breadcrumb a{color:var(--muted);text-decoration:none}.breadcrumb a:hover{color:var(--cyan-lt)}
.breadcrumb span{margin:0 .4rem;opacity:.5}

/* PAGE HERO */
.page-hero{padding:4rem 2rem 3rem;text-align:center;position:relative;overflow:hidden;background:radial-gradient(ellipse at 50% 0%,rgba(124,58,237,.18) 0%,transparent 70%)}
.page-hero-label{display:inline-flex;align-items:center;gap:.5rem;background:rgba(124,58,237,.15);border:1px solid var(--border);color:var(--cyan-lt);padding:.35rem .9rem;border-radius:50px;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:1.2rem}
.page-hero h1{font-size:clamp(1.9rem,4vw,3rem);color:#fff;margin-bottom:1rem;max-width:860px;margin-left:auto;margin-right:auto}
.page-hero .meta{display:flex;justify-content:center;gap:1.5rem;flex-wrap:wrap;font-size:.78rem;color:var(--muted);margin-top:.75rem}
.page-hero .meta span{display:flex;align-items:center;gap:.4rem}

/* ARTICLE BODY */
.article-wrap{max-width:860px;margin:0 auto;padding:3rem 2rem 5rem}
.article-wrap h2{font-size:1.5rem;color:#fff;margin:2.5rem 0 1rem;padding-top:.5rem}
.article-wrap h3{font-size:1.15rem;color:var(--cyan-lt);margin:2rem 0 .75rem}
.article-wrap p{color:var(--muted);font-size:.95rem;line-height:1.9;margin-bottom:1.2rem}
.article-wrap ul,.article-wrap ol{color:var(--muted);font-size:.95rem;line-height:1.9;padding-left:1.5rem;margin-bottom:1.2rem}
.article-wrap li{margin-bottom:.5rem}
.article-wrap strong{color:var(--text)}
.article-wrap blockquote{border-left:3px solid var(--purple);padding:.75rem 1.25rem;margin:1.5rem 0;background:rgba(124,58,237,.06);border-radius:0 10px 10px 0;color:var(--text);font-style:italic;font-size:.95rem;line-height:1.85}

/* HIGHLIGHT BOX */
.highlight-box{background:rgba(6,182,212,.07);border:1px solid rgba(6,182,212,.2);border-radius:14px;padding:1.5rem;margin:2rem 0}
.highlight-box h4{color:var(--cyan-lt);font-size:.9rem;margin-bottom:.65rem}
.highlight-box p,.highlight-box li{font-size:.88rem;color:var(--text)}
.gold-box{background:rgba(245,158,11,.07);border:1px solid rgba(245,158,11,.22);border-radius:14px;padding:1.5rem;margin:2rem 0}
.gold-box h4{color:var(--gold);font-size:.9rem;margin-bottom:.65rem}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:.85rem;margin:2rem 0}
.faq-item{background:rgba(11,22,40,.75);border:1px solid rgba(124,58,237,.16);border-radius:13px;overflow:hidden}
.faq-item summary{padding:1.1rem 1.35rem;cursor:pointer;font-family:'Montserrat',sans-serif;font-weight:700;color:#fff;font-size:.9rem;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq-item summary h3{font-size:.9rem;font-weight:700;margin:0}
.faq-item p{padding:.25rem 1.35rem 1.1rem;color:var(--muted);font-size:.87rem;line-height:1.85}

/* CTA SECTION */
.cta-section{background:linear-gradient(135deg,rgba(124,58,237,.12),rgba(6,182,212,.08));border:1px solid rgba(124,58,237,.2);border-radius:20px;padding:3rem;text-align:center;margin:4rem 0}
.cta-section h2{font-size:1.6rem;color:#fff;margin-bottom:.75rem}
.cta-section p{color:var(--muted);margin-bottom:2rem;font-size:.95rem}
.btn-primary{background:var(--grad);color:#fff;padding:.9rem 1.85rem;border-radius:50px;text-decoration:none;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;display:inline-flex;align-items:center;gap:.5rem;transition:.3s;box-shadow:0 6px 24px rgba(124,58,237,.4);margin:.35rem}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 32px rgba(124,58,237,.55);text-decoration:none;color:#fff}
.btn-ghost{background:transparent;color:#fff;padding:.9rem 1.85rem;border-radius:50px;text-decoration:none;font-family:'Montserrat',sans-serif;font-weight:700;font-size:.88rem;display:inline-flex;align-items:center;gap:.5rem;transition:.3s;border:1px solid rgba(255,255,255,.25);margin:.35rem}
.btn-ghost:hover{border-color:var(--cyan-lt);color:var(--cyan-lt);text-decoration:none}

/* INTERNAL LINKS GRID */
.internal-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:.85rem;margin:2.5rem 0}
.internal-grid a{display:block;padding:.9rem 1rem;background:rgba(11,22,40,.75);border:1px solid rgba(124,58,237,.18);border-radius:11px;color:var(--purp-lt);text-decoration:none;font-size:.8rem;font-weight:700;font-family:'Montserrat',sans-serif;text-align:center;transition:.3s}
.internal-grid a:hover{border-color:var(--purple);background:rgba(124,58,237,.12);color:#fff;text-decoration:none}

/* FOOTER */
footer{background:var(--bg3);border-top:1px solid rgba(124,58,237,.12);color:var(--muted);padding:3rem 2rem 1.75rem}
.footer-inner{max-width:1240px;margin:0 auto}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2.5rem;padding-bottom:2rem;border-bottom:1px solid rgba(124,58,237,.1);margin-bottom:1.75rem}
.fbrand p{font-size:.82rem;line-height:1.8;color:var(--muted);margin:.85rem 0}
.fcol h4{font-family:'Montserrat',sans-serif;font-weight:700;font-size:.78rem;color:#fff;letter-spacing:.06em;text-transform:uppercase;margin-bottom:.85rem}
.fcol ul{list-style:none}.fcol ul li{margin-bottom:.5rem}
.fcol ul li a{color:var(--muted);text-decoration:none;font-size:.82rem;transition:.2s}
.fcol ul li a:hover{color:var(--cyan-lt)}
.footer-btm{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.7rem}
.footer-btm p{font-size:.75rem;color:rgba(255,255,255,.28)}
.disclaimer{font-size:.68rem;color:rgba(255,255,255,.2);line-height:1.6;margin-top:.85rem}

/* WA FLOAT */
.wa-float{position:fixed;bottom:28px;right:28px;z-index:9999;width:58px;height:58px;background:#25D366;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:1.7rem;text-decoration:none;animation:wa-pulse 2s infinite;box-shadow:0 4px 20px rgba(37,211,102,.5)}
.wa-float:hover{transform:scale(1.1);text-decoration:none}
@keyframes wa-pulse{0%{box-shadow:0 0 0 0 rgba(37,211,102,.65),0 4px 20px rgba(37,211,102,.4)}70%{box-shadow:0 0 0 18px rgba(37,211,102,0),0 4px 20px rgba(37,211,102,.4)}100%{box-shadow:0 0 0 0 rgba(37,211,102,0),0 4px 20px rgba(37,211,102,.4)}}

@media(max-width:768px){
  .nav-links{display:none}
  .article-wrap{padding:2rem 1.25rem 4rem}
  .footer-top{grid-template-columns:1fr}
  .page-hero h1{font-size:1.75rem}
  .cta-section{padding:2rem 1.25rem}
}

/* CALCULATORS */
.calc-wrap{max-width:980px;margin:0 auto;padding:2.5rem 1.5rem 4rem;display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}
.calc-panel{background:rgba(11,22,40,.75);border:1px solid rgba(124,58,237,.18);border-radius:18px;padding:1.75rem}
.calc-panel h2{font-size:1.05rem;color:#fff;margin-bottom:1.1rem}
.calc-field{margin-bottom:.95rem}
.calc-field label{display:block;font-size:.74rem;font-weight:700;font-family:'Montserrat',sans-serif;color:var(--cyan-lt);margin-bottom:.32rem}
.calc-field input,.calc-field select{width:100%;padding:.65rem .9rem;border:1px solid rgba(124,58,237,.2);border-radius:9px;font-size:.92rem;font-family:'Inter',sans-serif;color:var(--text);background:var(--bg);outline:none}
.calc-field input:focus,.calc-field select:focus{border-color:var(--purple);box-shadow:0 0 0 3px rgba(124,58,237,.15)}
.calc-field .hint{font-size:.68rem;color:var(--muted);margin-top:.25rem}
.calc-row2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.calc-result{background:linear-gradient(135deg,rgba(124,58,237,.12),rgba(6,182,212,.08));border:1px solid rgba(124,58,237,.25);border-radius:18px;padding:1.75rem;position:sticky;top:90px}
.calc-result h2{font-size:1.05rem;color:#fff;margin-bottom:1rem}
.calc-big{font-family:'Montserrat',sans-serif;font-weight:900;font-size:clamp(1.9rem,4vw,2.6rem);background:linear-gradient(135deg,#7C3AED,#06B6D4);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;line-height:1.15;margin:.25rem 0 .5rem;word-break:break-word}
.calc-big.warn{background:linear-gradient(135deg,#F59E0B,#EF4444);-webkit-background-clip:text;background-clip:text}
.calc-line{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-bottom:1px solid rgba(255,255,255,.06);font-size:.85rem}
.calc-line span:first-child{color:var(--muted)}
.calc-line span:last-child{color:#fff;font-weight:700}
.calc-bar{height:12px;background:rgba(255,255,255,.08);border-radius:6px;overflow:hidden;margin:.85rem 0}
.calc-bar i{display:block;height:100%;background:linear-gradient(90deg,#7C3AED,#06B6D4);border-radius:6px;transition:width .4s}
.calc-note{font-size:.68rem;color:var(--muted);line-height:1.6;margin-top:1rem}
.calc-cta{display:flex;flex-direction:column;gap:.6rem;margin-top:1.2rem}
.calc-copy{max-width:860px;margin:0 auto;padding:0 1.5rem 4rem}
.calc-copy h2{font-size:1.35rem;color:#fff;margin:2.2rem 0 .8rem}
.calc-copy p,.calc-copy li{color:var(--muted);font-size:.92rem;line-height:1.9}
.calc-copy ul{padding-left:1.3rem;margin:.6rem 0}
.calc-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.3rem;max-width:1080px;margin:0 auto;padding:1rem 1.5rem 4rem}
.calc-card{background:rgba(11,22,40,.75);border:1px solid rgba(124,58,237,.16);border-radius:16px;padding:1.7rem;text-decoration:none;transition:.3s;display:block}
.calc-card:hover{transform:translateY(-5px);border-color:var(--purple);box-shadow:0 18px 44px rgba(124,58,237,.2);text-decoration:none}
.calc-card .ci{width:52px;height:52px;border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:1rem;background:rgba(124,58,237,.18);color:var(--purp-lt)}
.calc-card h3{font-family:'Montserrat',sans-serif;font-size:.98rem;color:#fff;margin-bottom:.5rem}
.calc-card p{font-size:.82rem;color:var(--muted);line-height:1.7}
.calc-card .go{display:inline-block;margin-top:.9rem;font-size:.8rem;font-weight:700;color:var(--cyan-lt)}
@media(max-width:768px){.calc-wrap{grid-template-columns:1fr}.calc-result{position:static}}