/* Life Insurance Apply — shared stylesheet
   Blend direction, header shade 2 (slate-blue). Distinct from the education site
   (which is warm paper + Georgia serif + teal). Static site: plain HTML + this CSS. */

:root{
  --paper:#fbf9f4; --ink:#22384a; --muted:#5a636b; --line:#e4ddce;
  --brand:#33556e; --brand-dark:#284355; --brand-soft:#eef1f4;
  --gold:#8a6d2f; --gold-bright:#e7c98a; --band:#f2f0ea;
  --maxw:1000px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  line-height:1.6;font-size:17px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* Draft/mockup banner — remove at launch */
.mockup-banner{background:#7a2e2e;color:#fff;text-align:center;
  font-size:13px;letter-spacing:.5px;padding:7px 12px}

/* Header + nav (dark slate band) */
header.site{background:var(--brand)}
.bar{display:flex;align-items:center;justify-content:space-between;padding:15px 0;gap:16px;flex-wrap:wrap}
.brand{font-size:20px;font-weight:700;letter-spacing:.3px;color:#fff}
.brand:hover{text-decoration:none}
.brand span{color:var(--gold-bright)}
nav.main{font-size:14px;display:flex;gap:20px;align-items:center;flex-wrap:wrap}
nav.main a{color:#c2d0dc}
nav.main a:hover{color:#fff;text-decoration:none}
nav.main a.on{color:#fff;font-weight:600}

/* Breadcrumb */
.crumb{font-size:13px;color:var(--muted);padding:18px 0 0}
.crumb a{color:var(--muted)}

/* Gold eyebrow rule */
.rule{width:40px;height:3px;background:var(--gold);margin:0 0 12px}

/* Hero */
.hero{padding:38px 0 26px}
.hero h1{font-size:32px;line-height:1.22;margin:0 0 12px;font-weight:600;max-width:640px}
.hero p.lead{font-size:18px;color:var(--muted);margin:0 0 22px;max-width:600px}
.hero .cta{display:flex;gap:8px;flex-wrap:wrap}
.btn{font-size:14px;font-weight:600;padding:10px 17px;border-radius:6px;display:inline-block}
.btn.primary{background:var(--brand);color:#fff}
.btn.primary:hover{background:var(--brand-dark);text-decoration:none}
.btn.ghost{border:1px solid #b7c0c8;color:var(--ink)}
.btn.ghost:hover{background:var(--brand-soft);text-decoration:none}

/* Answer-first "short version" box */
.short{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand);
  padding:18px 22px;max-width:720px;border-radius:4px}
.short h2{font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--gold);margin:0 0 8px}
.short p{margin:0;font-size:16px}

/* Section eyebrow head */
h2.section{font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold);
  margin:44px 0 8px}
h2.section+.section-sub{margin:0 0 16px;color:var(--muted);font-size:15px}

/* Article body (content pages) */
.article{max-width:760px;padding:8px 0 20px}
.article h2{font-size:25px;margin:38px 0 12px;line-height:1.25}
.article h3{font-size:20px;margin:26px 0 8px}
.article p{margin:0 0 16px}
.article ul,.article ol{margin:0 0 18px;padding-left:22px}
.article li{margin:0 0 8px}
.term{border-bottom:1px dotted var(--gold);cursor:help}

/* Comparison table — the centerpiece */
table.compare{width:100%;border-collapse:collapse;margin:20px 0;background:#fff;font-size:14.5px;
  border:1px solid var(--line);border-radius:8px;overflow:hidden}
table.compare caption{caption-side:top;text-align:left;font-size:13px;color:var(--muted);margin-bottom:8px}
table.compare th,table.compare td{border-top:1px solid #eef2f4;padding:10px 12px;text-align:left;vertical-align:top}
table.compare thead th{background:var(--brand-soft);color:var(--ink);font-weight:600;border-top:none;
  font-size:13px}
table.compare tbody tr:nth-child(even){background:#fbfaf6}
table.compare .more{color:var(--brand);font-weight:600}

/* Cards / spoke links */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cards.two{grid-template-columns:1fr 1fr}
.card{position:relative;background:#fff;border:1px solid var(--line);border-left:3px solid var(--brand);
  border-radius:0;padding:18px 20px;display:flex;flex-direction:column;
  transition:border-color .15s ease,box-shadow .15s ease,transform .15s ease}
.card:hover,.card:focus-within{border-color:#cdd3c4;box-shadow:0 0 0 3px var(--brand-soft);transform:translateY(-2px)}
.card .kind{font-size:11px;letter-spacing:1.2px;text-transform:uppercase;color:var(--gold);margin:0 0 8px}
.card h3{margin:0 0 8px;font-size:19px;line-height:1.25}
.card h3 a{color:var(--ink)}
.card h3 a:hover{text-decoration:none}
.card h3 a::after{content:"";position:absolute;inset:0}
.card h3 a:focus-visible{outline:2px solid var(--brand);outline-offset:3px}
.card p{margin:0 0 12px;font-size:15px;color:var(--muted);flex:1}
.card .go{font-size:14px;font-weight:600;color:var(--brand)}
.card:hover .go{text-decoration:underline}
@media(prefers-reduced-motion:reduce){.card{transition:none}.card:hover,.card:focus-within{transform:none}}

/* "More options to consider" differentiator block */
.more-options{border:1px dashed var(--gold);border-radius:6px;padding:20px;margin-top:24px;background:#fdfbf5}
.more-options h3{margin:0 0 6px;font-size:19px}
.more-options p{margin:0 0 8px;color:var(--muted);font-size:15px}

/* Cross-site pointer to the education site */
.cross{border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:0;padding:18px 20px;
  margin-top:24px;background:#fff}
.cross h3{margin:0 0 6px;font-size:18px}
.cross p{margin:0;color:var(--muted);font-size:15px}

/* Reserved ad slot (empty until monetization; visually distinct when filled) */
.ad-slot{margin:26px 0;padding:10px;border:1px dashed #cdd3c4;border-radius:6px;text-align:center;
  background:#f7f5ef;min-height:0}
.ad-slot::before{content:"Advertisement";display:block;font-size:11px;letter-spacing:1px;
  text-transform:uppercase;color:#a7a99a}
.ad-slot:empty{display:none} /* hidden until an ad is placed */

/* FAQ */
.faq{margin:16px 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:6px;margin:0 0 10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:600;padding:14px 0;font-size:17px}
.faq details[open] summary{border-bottom:1px solid var(--line);margin-bottom:10px}
.faq p{margin:0 0 14px}

/* Sources block */
.sources{background:#fff;border:1px solid var(--line);border-radius:6px;padding:18px 22px;margin:30px 0;font-size:14px}
.sources h3{font-size:12px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);margin:0 0 10px}
.sources ul{margin:0;padding-left:20px}
.sources li{margin:0 0 7px;color:var(--muted)}

/* Pills */
.pill{display:inline-block;font-size:13px;background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:5px 12px;margin:4px 6px 0 0;color:var(--muted)}

/* Footer */
footer{margin-top:56px;border-top:1px solid var(--line);background:var(--band)}
.foot-in{padding:28px 0;font-size:14px;color:var(--muted);line-height:1.7}
.disclaimer{background:#fff;border:1px solid var(--line);border-radius:6px;padding:16px 18px;margin-bottom:16px;color:#42505e}
.pub{display:block;margin-top:10px;padding-top:10px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.correction{margin:14px 0 0;padding:12px 14px;background:#fff;border:1px solid var(--line);
  border-left:3px solid var(--gold);border-radius:0;color:#42505e}
.correction a{font-weight:bold}
.byline{font-style:italic;color:#42505e;margin-top:10px}
.updated{color:var(--muted);font-size:13px}
.foot-links{margin-top:10px}
.foot-links a{color:var(--muted)}

/* Redirect (/go/) interstitial */
.go-page{max-width:520px;margin:80px auto;text-align:center;padding:0 24px}
.go-page h1{font-size:22px;color:var(--ink);font-weight:600}
.go-page p{color:var(--muted);font-size:15px}
.go-page .spinner{width:26px;height:26px;border:3px solid var(--line);border-top-color:var(--brand);
  border-radius:50%;margin:20px auto;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
@media(prefers-reduced-motion:reduce){.go-page .spinner{animation:none}}

@media(max-width:900px){ .cards{grid-template-columns:1fr 1fr} }
@media(max-width:760px){
  body{font-size:16px}
  .cards,.cards.two{grid-template-columns:1fr}
  .hero h1{font-size:27px}
  .article h2{font-size:22px}
  table.compare{font-size:13.5px}
}