/* Insurance Calc Tool - Global Styles */
:root {
  --ins-primary: #1a5f7a;
  --ins-secondary: #57c5b6;
  --ins-accent: #159895;
  --ins-bg: #f8f9fa;
  --ins-card: #ffffff;
  --ins-text: #2c3e50;
  --ins-text-light: #5a6c7d;
  --ins-border: #e1e8ed;
  --ins-shadow: rgba(26, 95, 122, 0.08);
  --ins-radius: 12px;
  --ins-max-width: 1200px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  background: var(--ins-bg);
  color: var(--ins-text);
  line-height: 1.6;
}

/* Header */
.ins-header {
  background: linear-gradient(135deg, var(--ins-primary) 0%, var(--ins-accent) 100%);
  color: white;
  padding: 1rem 0;
  box-shadow: 0 2px 20px var(--ins-shadow);
}

.ins-header-inner {
  max-width: var(--ins-max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.ins-logo {
  font-size: 1.5rem;
  font-weight: 700;
  text-decoration: none;
  color: white;
}

.ins-nav {
  display: flex;
  gap: 2rem;
}

.ins-nav a {
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  font-weight: 500;
  transition: color 0.2s;
}

.ins-nav a:hover { color: white; }

/* Mobile menu */
.ins-mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  color: white;
  font-size: 1.5rem;
  cursor: pointer;
}

/* Hero */
.ins-hero {
  background: linear-gradient(135deg, var(--ins-primary) 0%, var(--ins-accent) 100%);
  color: white;
  padding: 4rem 1.5rem;
  text-align: center;
}

.ins-hero h1 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
  font-weight: 700;
}

.ins-hero p {
  font-size: 1.2rem;
  opacity: 0.9;
  max-width: 600px;
  margin: 0 auto 2rem;
}

/* Main content */
.ins-main {
  max-width: var(--ins-max-width);
  margin: 0 auto;
  padding: 2rem 1.5rem;
}

/* Cards */
.ins-card {
  background: var(--ins-card);
  border-radius: var(--ins-radius);
  padding: 1.5rem;
  box-shadow: 0 2px 12px var(--ins-shadow);
  border: 1px solid var(--ins-border);
  transition: transform 0.2s, box-shadow 0.2s;
}

.ins-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px var(--ins-shadow);
}

.ins-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin: 2rem 0;
}

.ins-card a {
  text-decoration: none;
  color: inherit;
  display: block;
}

.ins-card h3 {
  color: var(--ins-primary);
  margin-bottom: 0.5rem;
  font-size: 1.2rem;
}

.ins-card p {
  color: var(--ins-text-light);
  font-size: 0.95rem;
}

/* Tool cards specific */
.ins-tool-card {
  background: linear-gradient(135deg, var(--ins-card) 0%, #f0f7ff 100%);
  border-left: 4px solid var(--ins-secondary);
}

.ins-tool-card .ins-icon {
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

/* Buttons */
.ins-btn {
  display: inline-block;
  padding: 0.75rem 1.5rem;
  background: var(--ins-secondary);
  color: white;
  text-decoration: none;
  border-radius: 8px;
  font-weight: 600;
  transition: background 0.2s;
  border: none;
  cursor: pointer;
}

.ins-btn:hover { background: var(--ins-accent); }

.ins-btn-primary {
  background: var(--ins-primary);
}

.ins-btn-primary:hover { background: #134b61; }

/* Article styles */
.ins-article {
  background: var(--ins-card);
  border-radius: var(--ins-radius);
  padding: 2rem;
  box-shadow: 0 2px 12px var(--ins-shadow);
  margin-bottom: 2rem;
}

.ins-article h1, .ins-article h2 {
  color: var(--ins-primary);
  margin-bottom: 1rem;
}

.ins-article h2 {
  font-size: 1.5rem;
  margin-top: 2rem;
  border-bottom: 2px solid var(--ins-border);
  padding-bottom: 0.5rem;
}

.ins-article p {
  margin-bottom: 1rem;
  line-height: 1.8;
}

.ins-article img {
  max-width: 100%;
  border-radius: 8px;
  margin: 1rem 0;
}

/* Author box */
.ins-author-box {
  background: linear-gradient(135deg, #f0f7ff 0%, #e8f4f8 100%);
  border-radius: var(--ins-radius);
  padding: 1.5rem;
  margin-top: 2rem;
  display: flex;
  gap: 1rem;
  align-items: center;
}

.ins-author-box img {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  object-fit: cover;
}

.ins-author-box .ins-author-info h4 {
  color: var(--ins-primary);
  margin-bottom: 0.25rem;
}

.ins-author-box .ins-author-info p {
  font-size: 0.9rem;
  color: var(--ins-text-light);
  margin: 0;
}

/* Related articles */
.ins-related {
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 2px solid var(--ins-border);
}

.ins-related h3 {
  color: var(--ins-primary);
  margin-bottom: 1rem;
}

.ins-related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1rem;
}

.ins-related-card {
  background: var(--ins-bg);
  border-radius: 8px;
  padding: 1rem;
  border: 1px solid var(--ins-border);
  transition: border-color 0.2s;
}

.ins-related-card:hover {
  border-color: var(--ins-secondary);
}

.ins-related-card a {
  text-decoration: none;
  color: inherit;
  display: block;
}

/* Hidden ad slot */
.ins-ad-slot {
  display: none;
}

.ins-ad-slot.has-content {
  display: block;
  margin: 2rem 0;
  padding: 1rem;
  background: var(--ins-bg);
  border-radius: var(--ins-radius);
  text-align: center;
  border: 1px dashed var(--ins-border);
}

/* Footer */
.ins-footer {
  background: var(--ins-primary);
  color: rgba(255,255,255,0.8);
  padding: 2rem 1.5rem;
  margin-top: 3rem;
}

.ins-footer-inner {
  max-width: var(--ins-max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
}

.ins-footer h4 {
  color: white;
  margin-bottom: 1rem;
}

.ins-footer a {
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  display: block;
  margin-bottom: 0.5rem;
}

.ins-footer a:hover { color: white; }

.ins-footer-bottom {
  text-align: center;
  margin-top: 2rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.2);
  font-size: 0.9rem;
}

/* Breadcrumb */
.ins-breadcrumb {
  max-width: var(--ins-max-width);
  margin: 1rem auto;
  padding: 0 1.5rem;
  font-size: 0.9rem;
  color: var(--ins-text-light);
}

.ins-breadcrumb a {
  color: var(--ins-primary);
  text-decoration: none;
}

.ins-breadcrumb a:hover { text-decoration: underline; }

/* Responsive */
@media (max-width: 768px) {
  .ins-nav { display: none; }
  .ins-mobile-menu-btn { display: block; }
  .ins-hero h1 { font-size: 1.8rem; }
  .ins-card-grid { grid-template-columns: 1fr; }
  .ins-author-box { flex-direction: column; text-align: center; }
}

/* Calculator tool styles */
.ins-calculator {
  background: var(--ins-card);
  border-radius: var(--ins-radius);
  padding: 2rem;
  box-shadow: 0 2px 12px var(--ins-shadow);
  margin: 2rem 0;
}

.ins-calculator label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 600;
  color: var(--ins-text);
}

.ins-calculator input, .ins-calculator select {
  width: 100%;
  padding: 0.75rem;
  border: 1px solid var(--ins-border);
  border-radius: 8px;
  margin-bottom: 1rem;
  font-size: 1rem;
}

.ins-calculator input:focus, .ins-calculator select:focus {
  outline: none;
  border-color: var(--ins-secondary);
  box-shadow: 0 0 0 3px rgba(87, 197, 182, 0.2);
}

.ins-result-box {
  background: linear-gradient(135deg, #f0f7ff 0%, #e8f4f8 100%);
  border-radius: 8px;
  padding: 1.5rem;
  margin-top: 1rem;
  border-left: 4px solid var(--ins-secondary);
}

.ins-result-box h3 {
  color: var(--ins-primary);
  margin-bottom: 0.5rem;
}

.ins-result-box .ins-big-number {
  font-size: 2rem;
  font-weight: 700;
  color: var(--ins-primary);
}

/* Continue reading button */
.ins-continue-reading {
  display: inline-block;
  margin-top: 1rem;
  color: var(--ins-secondary);
  font-weight: 600;
  text-decoration: none;
}

.ins-continue-reading:hover {
  text-decoration: underline;
}

/* Article list on blog index */
.ins-article-list {
  display: grid;
  gap: 1.5rem;
}

.ins-article-item {
  background: var(--ins-card);
  border-radius: var(--ins-radius);
  overflow: hidden;
  box-shadow: 0 2px 12px var(--ins-shadow);
  border: 1px solid var(--ins-border);
}

.ins-article-item a {
  text-decoration: none;
  color: inherit;
  display: block;
  padding: 1.5rem;
}

.ins-article-item h3 {
  color: var(--ins-primary);
  margin-bottom: 0.5rem;
}

.ins-article-item .ins-meta {
  font-size: 0.85rem;
  color: var(--ins-text-light);
  margin-bottom: 0.5rem;
}

.ins-article-item p {
  color: var(--ins-text-light);
  font-size: 0.95rem;
}

/* === AD SLOT === */
.ins-ad-slot {
  display: none;
  height: 250px;
  min-height: 250px;
  margin: 2rem 0;
  padding: 0;
  background: var(--ins-bg);
  border-radius: var(--ins-radius);
  text-align: center;
  border: 1px dashed var(--ins-border);
  overflow: hidden;
}
.ins-ad-slot.has-content {
  display: block;
}

/* === WHOLE CARD CLICKABLE === */
a.ins-article-card,
a.ins-tool-card,
a.ins-related-card {
  display: block;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
}
a.ins-article-card *,
a.ins-tool-card *,
a.ins-related-card * {
  pointer-events: none;
}

/* === INLINE TOOL CARD === */
a.ins-inline-tool {
  display: flex;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
}
a.ins-inline-tool * {
  pointer-events: none;
}

/* === ARTICLE TAIL LAYOUT === */
.ins-tail-container {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 2rem;
  margin-top: 2rem;
}
.ins-tail-container .ins-related {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}
.ins-tail-left,
.ins-tail-right {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.ins-tail-left .ins-related-card,
.ins-tail-right .ins-related-card {
  background: var(--ins-bg);
  border-radius: 8px;
  padding: 1rem;
  border: 1px solid var(--ins-border);
  transition: border-color 0.2s;
  margin-bottom: 1rem;
}
.ins-tail-left .ins-related-card:hover,
.ins-tail-right .ins-related-card:hover {
  border-color: var(--ins-secondary);
}
.ins-tail-left .ins-related-card a,
.ins-tail-right .ins-related-card a {
  text-decoration: none;
  color: inherit;
  display: block;
}

/* === MOBILE NAV FIX === */
@media (max-width: 768px) {
  .ins-nav {
    display: none !important;
    position: absolute;
    top: 60px;
    left: 0;
    right: 0;
    background: linear-gradient(135deg, var(--ins-primary) 0%, var(--ins-accent) 100%);
    flex-direction: column !important;
    padding: 1rem;
    z-index: 9999;
    box-shadow: 0 4px 20px rgba(0,0,0,0.2);
  }
  .ins-nav a {
    display: block;
    padding: 0.75rem 0;
    border-bottom: 1px solid rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.9);
  }
  .ins-nav a:last-child {
    border-bottom: none;
  }
  .ins-mobile-menu-btn {
    display: block;
  }
  .ins-hero h1 {
    font-size: 1.8rem;
  }
  .ins-card-grid {
    grid-template-columns: 1fr;
  }
  .ins-author-box {
    flex-direction: column;
    text-align: center;
  }
  .ins-tail-container {
    grid-template-columns: 1fr;
  }
}

/* === PRIVACY NOTICE === */
.ins-privacy-notice {
  background: #e8f4f8;
  border-left: 4px solid var(--ins-secondary);
  padding: 0.75rem 1rem;
  border-radius: 0 8px 8px 0;
  font-size: 0.85rem;
  color: var(--ins-text-light);
  margin-bottom: 1rem;
}

/* === CONTACT DISCLAIMER BOX === */
.ins-contact-disclaimer {
  background: #f0f0f0;
  border-radius: var(--ins-radius);
  padding: 1.5rem;
  margin: 2rem 0;
  border: 1px solid var(--ins-border);
}
.ins-contact-disclaimer p {
  margin-bottom: 0.5rem;
  color: var(--ins-text-light);
  font-size: 0.9rem;
}
.ins-contact-disclaimer p:last-child {
  margin-bottom: 0;
}

/* === SHARE BUTTONS === */
.ins-share-bar {
  display: flex;
  gap: 0.5rem;
  margin: 1rem 0;
  flex-wrap: wrap;
}
.ins-share-btn {
  padding: 0.5rem 1rem;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: opacity 0.2s;
}
.ins-share-btn:hover {
  opacity: 0.85;
}
.ins-share-twitter { background: #1da1f2; color: white; }
.ins-share-facebook { background: #4267B2; color: white; }
.ins-share-copy { background: var(--ins-primary); color: white; }

/* === COMPARISON TABLE === */
.ins-compare-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1rem 0;
  font-size: 0.9rem;
}
.ins-compare-table th,
.ins-compare-table td {
  padding: 0.6rem;
  border: 1px solid var(--ins-border);
  text-align: left;
}
.ins-compare-table th {
  background: var(--ins-primary);
  color: white;
}
.ins-compare-table tr:nth-child(even) {
  background: #f8f9fa;
}

/* === RESET BUTTON === */
.ins-reset-btn {
  background: #e74c3c;
  color: white;
}
.ins-reset-btn:hover {
  background: #c0392b;
}

/* === TOOL LAYOUT VARIATIONS === */
.ins-tool-layout-a .ins-calculator {
  border-left: 4px solid var(--ins-secondary);
}
.ins-tool-layout-b .ins-calculator {
  background: linear-gradient(135deg, #ffffff 0%, #f0f7ff 100%);
}
.ins-tool-layout-c .ins-calculator {
  box-shadow: 0 4px 20px rgba(26, 95, 122, 0.15);
}
.ins-tool-layout-d .ins-calculator {
  border: 2px solid var(--ins-border);
}
.ins-tool-layout-e .ins-calculator {
  border-radius: 16px;
}
.ins-tool-layout-f .ins-calculator {
  background: linear-gradient(180deg, #ffffff 0%, #f8f9fa 100%);
}

/* === Post Template V3.0 CSS Injection for ins === */

.ins-post-header {
  margin-bottom: 24px;
}
.ins-post-header h1 {
  font-size: 2.2rem;
  line-height: 1.3;
  margin-bottom: 12px;
}
.ins-post-meta {
  color: #666;
  font-size: 0.9rem;
  margin-bottom: 12px;
}
.ins-category-badge {
  display: inline-block;
  padding: 4px 12px;
  background: #e8f0fe;
  color: #1a73e8;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 600;
}
.ins-article-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 8px;
}
.ins-post-container {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 20px;
}
.ins-post-content {
  font-size: 1.05rem;
  line-height: 1.8;
  color: #333;
}
.ins-post-content p {
  margin-bottom: 1.2em;
}
.ins-post-content h2 {
  font-size: 1.6rem;
  margin-top: 2em;
  margin-bottom: 0.8em;
}
.ins-post-content h3 {
  font-size: 1.3rem;
  margin-top: 1.6em;
  margin-bottom: 0.6em;
}
.ins-post-footer {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 32px;
  max-width: 800px;
  margin: 40px auto 0;
  padding: 0 20px;
}
@media (max-width: 768px) {
  .ins-post-footer {
    grid-template-columns: 1fr;
  }
}
.ins-related-articles h3,
.ins-recommended-tools h3 {
  font-size: 1.2rem;
  margin-bottom: 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid #eee;
}
.ins-related-list,
.ins-tool-rec-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.ins-related-card {
  display: block;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
  padding: 16px;
  background: #fff;
  border-radius: 8px;
  border: 1px solid #eee;
  transition: box-shadow 0.2s, transform 0.2s;
}
.ins-related-card:hover {
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
  transform: translateY(-2px);
}
.ins-related-card * {
  pointer-events: none;
}
.ins-related-card h4 {
  font-size: 1rem;
  margin-bottom: 6px;
  color: #1a73e8;
}
.ins-related-card p {
  font-size: 0.85rem;
  color: #666;
  margin: 0;
}
.ins-author-box {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: #f8f9fa;
  border-radius: 12px;
  margin: 32px 0;
  align-items: flex-start;
}
@media (max-width: 768px) {
  .ins-author-box {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
}
.ins-author-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}
.ins-author-info {
  flex: 1;
}
.ins-author-name {
  font-size: 1.1rem;
  margin-bottom: 4px;
}
.ins-author-title {
  font-size: 0.9rem;
  color: #666;
  margin-bottom: 8px;
}
.ins-author-bio {
  font-size: 0.95rem;
  line-height: 1.6;
  color: #444;
  margin-bottom: 8px;
}
.ins-author-location {
  font-size: 0.85rem;
  color: #888;
  margin-bottom: 8px;
}
.ins-author-bio-link {
  font-size: 0.9rem;
  color: #1a73e8;
  text-decoration: none;
}
.ins-author-bio-link:hover {
  text-decoration: underline;
}


/* ---- Navigation Container Fix ---- */
.has-nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  max-width: var(--has-max-width, 1200px);
  margin: 0 auto;
  padding: 0 1.5rem;
  width: 100%;
  box-sizing: border-box;
}


/* ---- Breadcrumb Align Fix ---- */
.has-breadcrumb {
  max-width: var(--has-max-width, 1200px);
  margin: 0 auto;
  padding: 0.75rem 1.5rem;
  width: 100%;
  box-sizing: border-box;
}


/* ---- Mobile Menu Active Fix ---- */
@media (max-width: 768px) {
  .has-nav-links {
    display: none !important;
    flex-direction: column;
    width: 100%;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid #e5e7eb;
    padding: 1rem 1.5rem;
    gap: 0.5rem;
    box-shadow: 0 4px 12px rgba(0,0,0,0.08);
    z-index: 999;
  }
  .has-nav-links.active {
    display: flex !important;
  }
  .has-nav-links li {
    width: 100%;
    list-style: none;
  }
  .has-nav-links a {
    display: block;
    padding: 0.75rem 0;
    border-bottom: 1px solid #f0f0f0;
    text-decoration: none;
    color: inherit;
  }
  .has-nav-links a:last-child {
    border-bottom: none;
  }
}


/* ---- Hamburger Button Fix ---- */
.has-nav-hamburger {
  display: none;
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  padding: 0.5rem;
}
@media (max-width: 768px) {
  .has-nav-hamburger {
    display: block !important;
  }
}