@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Newsreader:ital,opsz,wght@0,6..72,500;0,6..72,600;0,6..72,700;0,6..72,800;1,6..72,600&display=swap');

:root {
  --bg-page: #f8fafc;
  --bg-surface: #ffffff;
  --bg-subtle: #f1f5f9;
  --bg-dark: #090d16;
  --bg-dark-surface: #111827;
  --bg-dark-card: #1f2937;
  --text-main: #0f172a;
  --text-muted: #64748b;
  --text-body: #334155;
  --text-light: #f8fafc;
  --text-light-muted: #94a3b8;
  --primary: #0369a1;
  --primary-dark: #075985;
  --primary-light: #e0f2fe;
  --primary-accent: #0284c7;
  --editorial-accent: #d97706;
  --border-light: #e2e8f0;
  --border-dark: #374151;
  --font-serif: 'Newsreader', Georgia, serif;
  --font-sans: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 14px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.08);
}

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

html {
  font-size: 16px;
  scroll-behavior: auto;
}

body {
  font-family: var(--font-sans);
  background-color: var(--bg-page);
  color: var(--text-main);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul, ol {
  list-style: none;
}

.site-container {
  width: 100%;
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 24px;
}

.main-header {
  background-color: var(--bg-surface);
  border-bottom: 1px solid var(--border-light);
  position: sticky;
  top: 0;
  z-index: 900;
  box-shadow: var(--shadow-sm);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
  max-width: 1320px;
  margin: 0 auto;
  padding: 0 24px;
}

.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--bg-dark);
  letter-spacing: -0.5px;
}

.brand-icon {
  color: var(--primary);
  font-size: 1.45rem;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-link {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-body);
  padding: 8px 0;
}

.nav-link.active,
.nav-link:hover {
  color: var(--primary);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.btn-static {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background-color: var(--primary);
  color: #ffffff;
  padding: 10px 22px;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  border: 1px solid var(--primary);
  cursor: pointer;
  white-space: nowrap;
}

.btn-static-outline {
  background-color: transparent;
  color: var(--text-main);
  border: 1px solid var(--border-light);
  padding: 10px 20px;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  cursor: pointer;
}

.btn-static-dark {
  background-color: var(--bg-dark);
  color: #ffffff;
  border: 1px solid var(--bg-dark);
  padding: 10px 20px;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  cursor: pointer;
}

.hamburger-btn {
  display: none;
  background: transparent;
  border: 1px solid var(--border-light);
  color: var(--text-main);
  width: 42px;
  height: 42px;
  border-radius: 6px;
  font-size: 1.25rem;
  cursor: pointer;
  align-items: center;
  justify-content: center;
}

.mobile-drawer-overlay {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(9, 13, 22, 0.7);
  z-index: 998;
}

.mobile-drawer-overlay.active {
  display: block;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: 50vw;
  min-width: 250px;
  max-width: 380px;
  height: 100vh;
  background-color: var(--bg-dark);
  color: var(--text-light);
  z-index: 999;
  display: flex;
  flex-direction: column;
  box-shadow: -6px 0 25px rgba(0, 0, 0, 0.4);
}

.mobile-drawer.active {
  right: 0;
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 24px;
  border-bottom: 1px solid var(--border-dark);
}

.drawer-brand {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  font-weight: 700;
  color: #ffffff;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.drawer-brand i {
  color: #38bdf8;
}

.drawer-close-btn {
  background: transparent;
  border: 1px solid var(--border-dark);
  color: #cbd5e1;
  width: 38px;
  height: 38px;
  border-radius: 6px;
  font-size: 1.2rem;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.drawer-nav {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-start;
  padding: 32px 24px;
  gap: 18px;
  flex: 1;
}

.drawer-link {
  font-size: 1.05rem;
  font-weight: 600;
  color: #f1f5f9;
  display: inline-flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  padding: 12px 18px;
  border-radius: 6px;
  background-color: var(--bg-dark-card);
  justify-content: center;
}

.drawer-link.active,
.drawer-link:hover {
  background-color: var(--primary);
  color: #ffffff;
}

.drawer-footer {
  padding: 24px;
  border-top: 1px solid var(--border-dark);
  text-align: center;
}

.drawer-email {
  color: var(--text-light-muted);
  font-size: 0.85rem;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.intel-board-section {
  position: relative;
  background-color: #7692ae;
  background-image: url('images/Insurance\ policy\ analysis\ and\ financial\ documentation.jpg');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  padding: 50px 0 70px;
  border-bottom: 1px solid var(--border-light);
}

.intel-board-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(180deg, rgba(119, 148, 177, 0.62) 0%, rgba(241, 245, 249, 0.70) 100%);
  z-index: 1;
}

.intel-board-section > .site-container {
  position: relative;
  z-index: 2;
}

.intel-board-grid {
  display: grid;
  grid-template-columns: 280px 1.8fr 320px;
  gap: 24px;
}

.hero-intel-rail {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 10px;
  padding: 24px 20px;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  box-shadow: var(--shadow-sm);
  text-align: left;
  align-items: flex-start;
}

.rail-head {
  padding-bottom: 14px;
  border-bottom: 2px solid var(--bg-subtle);
  margin-bottom: 18px;
  width: 100%;
  text-align: left;
}

.rail-head-title {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-main);
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 8px;
}

.rail-items-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  flex: 1;
  width: 100%;
}

.rail-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  gap: 4px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--border-light);
  width: 100%;
}

.rail-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.rail-item-label {
  font-size: 0.725rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--editorial-accent);
}

.rail-item-val {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-main);
  line-height: 1.35;
}

.rail-item-desc {
  font-size: 0.8rem;
  color: var(--text-muted);
}

.rail-footer-callout {
  background-color: var(--primary-light);
  border: 1px solid #bae6fd;
  border-radius: 6px;
  padding: 12px;
  margin-top: 18px;
  font-size: 0.8rem;
  color: var(--primary-dark);
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 8px;
  width: 100%;
  text-align: left;
}

.featured-story-zone {
  position: relative;
  border-radius: 10px;
  overflow: hidden;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: #ffffff;
  padding: 50px 44px;
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  min-height: 480px;
}

.featured-story-zone::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to top, rgba(9, 13, 22, 0.95) 0%, rgba(9, 13, 22, 0.75) 50%, rgba(9, 13, 22, 0.85) 100%);
  z-index: 1;
}

.featured-story-content {
  position: relative;
  z-index: 2;
  max-width: 680px;
}

.featured-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background-color: var(--editorial-accent);
  color: #ffffff;
  padding: 4px 12px;
  border-radius: 4px;
  font-size: 0.775rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 16px;
}

.featured-headline {
  font-family: var(--font-serif);
  font-size: 2.35rem;
  line-height: 1.25;
  font-weight: 700;
  margin-bottom: 16px;
  color: #ffffff;
}

.featured-desc {
  font-size: 1.05rem;
  line-height: 1.65;
  color: #cbd5e1;
  margin-bottom: 24px;
}

.brief-panel-zone {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 10px;
  padding: 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
  text-align: left;
  align-items: flex-start;
}

.brief-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding-bottom: 16px;
  border-bottom: 2px solid var(--bg-subtle);
  margin-bottom: 20px;
  width: 100%;
}

.brief-title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--text-main);
  display: flex;
  align-items: center;
  gap: 8px;
}

.brief-badge {
  font-size: 0.725rem;
  font-weight: 700;
  text-transform: uppercase;
  background-color: var(--primary-light);
  color: var(--primary-dark);
  padding: 3px 8px;
  border-radius: 4px;
}

.brief-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  flex: 1;
  width: 100%;
}

.brief-item {
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  text-align: left;
  gap: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--border-light);
  width: 100%;
}

.brief-item > div {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.brief-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.brief-icon-wrap {
  width: 36px;
  height: 36px;
  border-radius: 6px;
  background-color: var(--bg-subtle);
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.brief-topic {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 2px;
}

.brief-text {
  font-size: 0.85rem;
  color: var(--text-body);
  line-height: 1.45;
}

.coverage-snapshot-zone {
  grid-column: span 3;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 10px;
  padding: 30px;
  box-shadow: var(--shadow-sm);
}

.snapshot-header {
  margin-bottom: 20px;
}

.snapshot-title {
  font-family: var(--font-serif);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 4px;
}

.snapshot-subtitle {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.snapshot-table {
  width: 100%;
  border-collapse: collapse;
}

.snapshot-table th {
  background-color: var(--bg-subtle);
  color: var(--text-main);
  font-size: 0.825rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  padding: 12px 18px;
  text-align: left;
  border-bottom: 1px solid var(--border-light);
}

.snapshot-table td {
  padding: 16px 18px;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.9rem;
  color: var(--text-body);
}

.snapshot-table tr:last-child td {
  border-bottom: none;
}

.snapshot-type-name {
  font-weight: 700;
  color: var(--text-main);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.snapshot-type-name i {
  color: var(--primary);
}

.snapshot-table th:nth-child(3),
.snapshot-table td[data-label="Key Term"] {
  white-space: nowrap;
}

.snapshot-tag {
  background-color: var(--primary-light);
  border: 1px solid #bae6fd;
  color: var(--primary-dark);
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.825rem;
  font-weight: 700;
  letter-spacing: 0.3px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  box-shadow: 0 1px 2px rgba(2, 132, 199, 0.08);
}

.snapshot-tag::before {
  content: '';
  display: inline-block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: var(--primary);
  flex-shrink: 0;
}

.section-padding {
  padding: 70px 0;
}

.section-header {
  margin-bottom: 40px;
  text-align: center;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 10px;
}

.section-title {
  font-family: var(--font-serif);
  font-size: 2.15rem;
  line-height: 1.25;
  color: var(--text-main);
  margin-bottom: 10px;
}

.section-subtitle {
  font-size: 1rem;
  color: var(--text-muted);
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.policy-stream-container {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.stream-row {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 20px 24px;
  display: grid;
  grid-template-columns: 60px 1.4fr 1fr 140px 40px;
  align-items: center;
  gap: 20px;
  box-shadow: var(--shadow-sm);
}

.stream-number {
  font-family: var(--font-serif);
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary);
  text-align: center;
}

.stream-main {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.stream-category {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: var(--editorial-accent);
}

.stream-headline {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-main);
  line-height: 1.35;
}

.stream-desc {
  font-size: 0.875rem;
  color: var(--text-body);
  line-height: 1.5;
}

.stream-thumb-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
}

.stream-thumb {
  width: 60px;
  height: 60px;
  border-radius: 6px;
  object-fit: cover;
}

.stream-reading {
  font-size: 0.8rem;
  color: var(--text-muted);
  white-space: nowrap;
}

.stream-action-icon {
  color: var(--primary);
  font-size: 1.1rem;
  text-align: right;
}

.mosaic-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-template-rows: 240px 240px;
  gap: 20px;
}

.mosaic-item {
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.mosaic-item-large {
  grid-column: span 2;
  grid-row: span 2;
}

.mosaic-item-wide {
  grid-column: span 2;
}

.mosaic-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.mosaic-overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(to top, rgba(9, 13, 22, 0.9) 0%, rgba(9, 13, 22, 0.3) 60%, rgba(9, 13, 22, 0.1) 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 24px;
  color: #ffffff;
}

.mosaic-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: #38bdf8;
  letter-spacing: 0.5px;
  margin-bottom: 6px;
}

.mosaic-title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  font-weight: 700;
  color: #ffffff;
}

.mosaic-item-large .mosaic-title {
  font-size: 1.85rem;
}

.steps-container {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}

.steps-container.steps-4-col {
  grid-template-columns: repeat(4, 1fr);
}

.steps-container.steps-3-col {
  grid-template-columns: repeat(3, 1fr);
}

.step-box {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 28px 22px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.step-num {
  font-family: var(--font-serif);
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--editorial-accent);
  line-height: 1;
  margin-bottom: 12px;
}

.step-icon-wrap {
  width: 42px;
  height: 42px;
  border-radius: 6px;
  background-color: var(--primary-light);
  color: var(--primary-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  margin-bottom: 16px;
}

.step-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 10px;
  line-height: 1.35;
}

.step-desc {
  font-size: 0.875rem;
  color: var(--text-body);
  line-height: 1.55;
}

.terms-wall-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
}

.term-wall-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 24px 20px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.term-wall-card.featured {
  background-color: var(--bg-dark);
  color: #ffffff;
  border-color: var(--bg-dark);
}

.term-wall-card.featured .term-wall-title {
  color: #ffffff;
}

.term-wall-card.featured .term-wall-desc {
  color: #cbd5e1;
}

.term-wall-title {
  font-family: var(--font-serif);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 8px;
}

.term-wall-desc {
  font-size: 0.85rem;
  color: var(--text-body);
  line-height: 1.5;
}

.photo-collage-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  grid-template-rows: 220px 220px;
  gap: 18px;
}

.collage-item {
  position: relative;
  border-radius: 8px;
  overflow: hidden;
}

.collage-item-lead {
  grid-row: span 2;
}

.collage-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.collage-caption {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 16px;
  background: linear-gradient(to top, rgba(9, 13, 22, 0.85) 0%, rgba(9, 13, 22, 0) 100%);
  color: #ffffff;
  font-size: 0.875rem;
  font-weight: 600;
}

.daily-insights-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 0.8fr;
  gap: 24px;
}

.main-insight-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.main-insight-img {
  width: 100%;
  height: 240px;
  object-fit: cover;
}

.main-insight-body {
  padding: 28px;
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.insight-headline {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  line-height: 1.3;
  color: var(--text-main);
  margin-bottom: 12px;
}

.insight-summary {
  font-size: 0.925rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 20px;
}

.short-briefs-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 26px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.briefs-card-title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-main);
  padding-bottom: 12px;
  border-bottom: 2px solid var(--bg-subtle);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 8px;
  width: 100%;
  text-align: left;
}

.brief-update-item {
  padding: 12px 0;
  border-bottom: 1px solid var(--border-light);
  width: 100%;
  text-align: left;
}

.brief-update-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.brief-update-title {
  font-weight: 600;
  font-size: 0.925rem;
  color: var(--text-main);
  margin-bottom: 4px;
  text-align: left;
}

.brief-update-desc {
  font-size: 0.825rem;
  color: var(--text-muted);
  line-height: 1.45;
  text-align: left;
}

.policy-note-card {
  background-color: var(--primary-light);
  border: 1px solid #bae6fd;
  border-radius: 8px;
  padding: 26px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  align-items: flex-start;
  text-align: left;
}

.policy-note-card > div {
  width: 100%;
  text-align: left;
}

.policy-note-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary-dark);
  font-size: 0.775rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
  margin-left: 0;
  margin-right: auto;
}

.policy-note-title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--text-main);
  margin-bottom: 12px;
  text-align: left;
}

.policy-note-text {
  font-size: 0.9rem;
  color: var(--primary-dark);
  line-height: 1.6;
  margin-bottom: 20px;
  text-align: left;
}

.policy-note-card .btn-static-dark {
  align-self: flex-start;
  margin-left: 0;
  margin-right: auto;
}

.checklist-split-section {
  background-color: var(--bg-surface);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.checklist-split-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 48px;
  align-items: center;
}

.checklist-img-col {
  height: 100%;
  min-height: 420px;
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.checklist-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  top: 0;
  left: 0;
}

.split-content {
  padding: 20px 0;
}

.split-checklist-wrap {
  margin: 28px 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.checklist-entry {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.45;
  text-align: left;
}

.checklist-entry i {
  color: #10b981;
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 3px;
}

.newsletter-section {
  background-color: var(--bg-dark);
  color: #ffffff;
  padding: 70px 0;
}

.newsletter-inner-box {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 40px;
  align-items: center;
}

.newsletter-headline {
  font-family: var(--font-serif);
  font-size: 2rem;
  color: #ffffff;
  margin-bottom: 10px;
}

.newsletter-subtext {
  font-size: 0.95rem;
  color: var(--text-light-muted);
  line-height: 1.6;
}

.newsletter-form-grid {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.newsletter-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.nl-input {
  width: 100%;
  padding: 12px 16px;
  border-radius: 6px;
  border: 1px solid var(--border-dark);
  background-color: var(--bg-dark-card);
  color: #ffffff;
  font-size: 0.9rem;
  font-family: var(--font-sans);
}

.nl-input:focus {
  outline: none;
  border-color: #38bdf8;
}

.nl-input::placeholder {
  color: #94a3b8;
}

.nl-submit-btn {
  background-color: var(--primary);
  color: #ffffff;
  padding: 12px 24px;
  border-radius: 6px;
  border: none;
  font-size: 0.925rem;
  font-weight: 700;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.form-feedback-msg {
  display: none;
  margin-top: 14px;
  padding: 12px 16px;
  background-color: #064e3b;
  color: #a7f3d0;
  border: 1px solid #059669;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 600;
}

.contact-preview-strip {
  background-color: var(--primary-light);
  border-top: 1px solid #bae6fd;
  border-bottom: 1px solid #bae6fd;
  padding: 24px 0;
}

.preview-strip-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.preview-strip-content {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.95rem;
  color: var(--primary-dark);
  font-weight: 600;
}

.preview-strip-content i {
  font-size: 1.3rem;
}

.preview-strip-email {
  color: var(--primary-dark);
  text-decoration: underline;
}

.site-footer {
  background: linear-gradient(180deg, #090d16 0%, #05080f 100%);
  color: var(--text-light-muted);
  padding: 70px 0 35px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-four-areas {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.6fr;
  gap: 44px;
  margin-bottom: 48px;
}

.footer-brand-col {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.footer-logo {
  font-family: var(--font-serif);
  font-size: 1.7rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 14px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.footer-logo i {
  color: #38bdf8;
  font-size: 1.5rem;
}

.footer-brand-desc {
  font-size: 0.875rem;
  line-height: 1.65;
  color: #94a3b8;
  max-width: 340px;
  margin-bottom: 16px;
}

.footer-cert-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.775rem;
  font-weight: 700;
  color: #38bdf8;
  background-color: rgba(56, 189, 248, 0.1);
  border: 1px solid rgba(56, 189, 248, 0.25);
  padding: 6px 12px;
  border-radius: 20px;
}

.footer-col-head {
  font-size: 0.925rem;
  font-weight: 700;
  color: #ffffff;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 18px;
}

.footer-link-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-link-list a {
  color: #94a3b8;
  font-size: 0.9rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.footer-link-list a i {
  font-size: 0.75rem;
  color: #38bdf8;
  opacity: 0.7;
}

.footer-link-list a:hover {
  color: #ffffff;
}

.footer-contact-block {
  display: flex;
  flex-direction: column;
}

.footer-email-highlight-box {
  background: radial-gradient(100% 100% at 50% 0%, rgba(2, 132, 199, 0.2) 0%, rgba(15, 23, 42, 0.95) 100%);
  border: 1px solid rgba(56, 189, 248, 0.45);
  border-radius: 12px;
  padding: 22px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.35), 0 0 25px rgba(2, 132, 199, 0.15);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.highlight-box-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}

.highlight-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(56, 189, 248, 0.15);
  color: #38bdf8;
  border: 1px solid rgba(56, 189, 248, 0.35);
  border-radius: 20px;
  font-size: 0.725rem;
  font-weight: 700;
  text-transform: uppercase;
  padding: 3px 10px;
}

.highlight-status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  color: #a7f3d0;
  font-weight: 600;
}

.highlight-status i {
  font-size: 0.5rem;
  color: #10b981;
}

.highlight-prompt {
  font-size: 0.825rem;
  color: #cbd5e1;
  line-height: 1.5;
}

.highlight-email-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #ffffff !important;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 12px 16px;
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  box-shadow: 0 4px 14px rgba(2, 132, 199, 0.35);
  text-decoration: none;
  word-break: break-all;
}

.highlight-email-btn i {
  font-size: 1rem;
}

.highlight-footer-note {
  font-size: 0.775rem;
  color: #94a3b8;
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer-copyright-bar {
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.825rem;
  color: #94a3b8;
}

.footer-badge-strip {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}

.footer-pill-tag {
  background-color: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 4px 10px;
  border-radius: 4px;
  font-size: 0.775rem;
  color: #cbd5e1;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-pill-tag i {
  color: #38bdf8;
  font-size: 0.75rem;
}

.page-hero-banner {
  position: relative;
  background-size: cover;
  background-position: center;
  color: #ffffff;
  padding: 80px 0 70px;
}

.page-hero-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(9, 13, 22, 0.95) 0%, rgba(9, 13, 22, 0.85) 100%);
  z-index: 1;
}

.page-hero-content {
  position: relative;
  z-index: 2;
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}

.page-hero-title {
  font-family: var(--font-serif);
  font-size: 2.65rem;
  line-height: 1.25;
  color: #ffffff;
  margin-bottom: 14px;
}

.page-hero-desc {
  font-size: 1.1rem;
  color: #cbd5e1;
  line-height: 1.65;
}

.editorial-article-panel {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 40px;
  align-items: center;
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-bottom: 36px;
}

.editorial-article-panel.alternate {
  grid-template-columns: 1.2fr 1fr;
}

.editorial-article-panel.alternate .editorial-panel-img-wrap {
  order: 2;
}

.editorial-article-panel.alternate .editorial-panel-text {
  order: 1;
}

.editorial-panel-img-wrap {
  width: 100%;
  height: 100%;
  min-height: 360px;
}

.editorial-panel-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.editorial-panel-text {
  padding: 36px;
}

.panel-category-tag {
  display: inline-block;
  font-size: 0.775rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 8px;
  letter-spacing: 0.5px;
}

.panel-title {
  font-family: var(--font-serif);
  font-size: 1.85rem;
  color: var(--text-main);
  margin-bottom: 12px;
}

.panel-summary {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 20px;
}

.panel-concepts-box {
  background-color: var(--bg-subtle);
  border-left: 3px solid var(--primary);
  padding: 14px 18px;
  border-radius: 0 6px 6px 0;
  margin-bottom: 20px;
}

.panel-concepts-title {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 6px;
  text-transform: uppercase;
}

.panel-concepts-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--text-body);
  width: fit-content;
  max-width: 100%;
  margin-left: auto;
  margin-right: auto;
  text-align: left;
  align-items: flex-start;
}

.panel-concepts-list li {
  display: flex;
  align-items: flex-start;
  justify-content: flex-start;
  text-align: left;
  gap: 8px;
  width: 100%;
}

.panel-concepts-list i {
  color: var(--primary);
  font-size: 0.85rem;
  margin-top: 3px;
  flex-shrink: 0;
}

.panel-terms-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
}

.panel-term-badge {
  background-color: #ffffff;
  border: 1px solid var(--border-light);
  padding: 4px 10px;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-body);
}

.newsroom-featured-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 32px;
  margin-bottom: 50px;
}

.newsroom-lead-story {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.newsroom-lead-img {
  width: 100%;
  height: 320px;
  object-fit: cover;
}

.newsroom-lead-body {
  padding: 30px;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.newsroom-side-stack {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.newsroom-mini-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 20px;
  box-shadow: var(--shadow-sm);
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 16px;
  align-items: center;
}

.newsroom-mini-img {
  width: 100%;
  height: 90px;
  border-radius: 6px;
  object-fit: cover;
}

.newsroom-mini-body h4 {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--text-main);
  line-height: 1.35;
  margin-bottom: 4px;
}

.newsroom-mini-meta {
  font-size: 0.775rem;
  color: var(--text-muted);
}

.contact-split-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 48px;
  align-items: start;
}

.contact-info-panel {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

.contact-info-panel h3 {
  font-family: var(--font-serif);
  font-size: 1.55rem;
  color: var(--text-main);
  margin-bottom: 14px;
}

.contact-info-panel p {
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.6;
  margin-bottom: 24px;
}

.contact-details-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  border-top: 1px solid var(--border-light);
  padding-top: 24px;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.detail-icon-wrap {
  width: 44px;
  height: 44px;
  border-radius: 6px;
  background-color: var(--primary-light);
  color: var(--primary-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.detail-caption {
  font-size: 0.775rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.5px;
}

.detail-val {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-main);
}

.contact-form-panel {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 40px;
  box-shadow: var(--shadow-sm);
}

.contact-form-title {
  font-family: var(--font-serif);
  font-size: 1.65rem;
  color: var(--text-main);
  margin-bottom: 8px;
}

.contact-form-sub {
  font-size: 0.925rem;
  color: var(--text-muted);
  margin-bottom: 28px;
}

.contact-form-inner {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-field-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.contact-field-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-main);
}

.contact-field-input,
.contact-field-textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border-light);
  border-radius: 6px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--text-main);
  background-color: #ffffff;
}

.contact-field-input:focus,
.contact-field-textarea:focus {
  outline: none;
  border-color: var(--primary);
}

.contact-field-textarea {
  min-height: 140px;
  resize: vertical;
}

.sublimits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.sublimit-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 24px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.sublimit-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background-color: var(--bg-subtle);
  color: var(--primary);
  padding: 3px 8px;
  border-radius: 4px;
  font-size: 0.75rem;
  font-weight: 700;
  margin-bottom: 12px;
  margin-left: auto;
  margin-right: auto;
}

.sublimit-title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--text-main);
  margin-bottom: 8px;
}

.sublimit-text {
  font-size: 0.875rem;
  color: var(--text-body);
  line-height: 1.55;
  margin-bottom: 16px;
}

.sublimit-range {
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px solid var(--border-light);
  font-size: 0.8rem;
  color: var(--editorial-accent);
  font-weight: 700;
  width: 100%;
  text-align: center;
}

.lifecycle-flow {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 18px;
}

.lifecycle-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 24px 18px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.lifecycle-phase {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 10px;
}

.lifecycle-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-main);
  margin-bottom: 8px;
  line-height: 1.35;
}

.lifecycle-desc {
  font-size: 0.85rem;
  color: var(--text-body);
  line-height: 1.5;
}

.coinsurance-split {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 36px;
  align-items: center;
}

.coinsurance-calc-box {
  background-color: var(--bg-dark);
  color: #ffffff;
  border-radius: 8px;
  padding: 32px;
  box-shadow: var(--shadow-md);
  text-align: left;
  align-items: stretch;
}

.calc-formula-display {
  background-color: var(--bg-dark-card);
  border: 1px solid var(--border-dark);
  border-radius: 6px;
  padding: 16px;
  font-family: monospace;
  font-size: 0.95rem;
  color: #38bdf8;
  margin: 16px 0;
  text-align: left;
}

.cancellation-rules-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.rule-column-card {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  text-align: center;
}

.rule-header-strip {
  padding: 16px 20px;
  background-color: var(--bg-subtle);
  border-bottom: 1px solid var(--border-light);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-main);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.rule-body-content {
  padding: 24px 20px;
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.market-cycles-feature {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-bottom: 40px;
}

.market-cycle-panel {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 32px;
  box-shadow: var(--shadow-sm);
  text-align: center;
}

.market-cycle-panel.hard {
  border-top: 4px solid #ef4444;
}

.market-cycle-panel.soft {
  border-top: 4px solid #10b981;
}

.causation-split {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 36px;
  align-items: center;
}

.digital-archive-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.archive-step-item {
  background-color: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: 8px;
  padding: 24px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.appraisal-guide-box {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 36px;
  align-items: center;
}

@media (max-width: 1100px) {
  .sublimits-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .lifecycle-flow {
    grid-template-columns: repeat(3, 1fr);
  }
  .cancellation-rules-grid {
    grid-template-columns: 1fr;
  }
  .market-cycles-feature {
    grid-template-columns: 1fr;
  }
  .digital-archive-steps {
    grid-template-columns: repeat(2, 1fr);
  }
  .appraisal-guide-box {
    grid-template-columns: 1fr;
  }
  .coinsurance-split {
    grid-template-columns: 1fr;
  }
  .causation-split {
    grid-template-columns: 1fr;
  }
  .intel-board-grid {
    grid-template-columns: 1fr;
  }
  .featured-story-zone {
    order: -1;
  }
  .coverage-snapshot-zone {
    grid-column: span 1;
  }
  .stream-row {
    grid-template-columns: 50px 1.5fr 1fr 40px;
  }
  .stream-thumb-wrap {
    display: none;
  }
  .mosaic-grid {
    grid-template-columns: repeat(2, 1fr);
    grid-template-rows: auto;
  }
  .mosaic-item-large,
  .mosaic-item-wide {
    grid-column: span 2;
    height: 280px;
  }
  .steps-container {
    grid-template-columns: repeat(3, 1fr);
  }
  .steps-container.steps-4-col {
    grid-template-columns: repeat(2, 1fr);
  }
  .steps-container.steps-3-col {
    grid-template-columns: repeat(3, 1fr);
  }
  .terms-wall-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .daily-insights-grid {
    grid-template-columns: 1fr;
  }
  .footer-four-areas {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

@media (max-width: 768px) {
  .desktop-nav,
  .nav-actions .btn-static {
    display: none;
  }
  .hamburger-btn {
    display: inline-flex;
  }
  .section-header {
    text-align: center;
  }
  .section-subtitle {
    margin: 0 auto;
  }

  h2,
  .section-title,
  .panel-title,
  .newsletter-headline,
  .contact-form-title {
    font-size: 1.45rem;
    line-height: 1.3;
  }

  .snapshot-title {
    font-size: 1.25rem;
    line-height: 1.3;
  }

  .brief-title {
    font-size: 1.2rem;
    line-height: 1.3;
  }

  .rail-head-title {
    font-size: 1.05rem;
    line-height: 1.3;
  }
  .featured-story-zone {
    padding: 30px 20px;
    min-height: 400px;
  }
  .featured-headline {
    font-size: 1.85rem;
  }
  .snapshot-header {
    text-align: center;
  }
  .snapshot-header .snapshot-title,
  .snapshot-header .snapshot-subtitle,
  .snapshot-title,
  .snapshot-subtitle {
    text-align: center;
  }
  .snapshot-table {
    display: block;
  }
  .snapshot-table thead {
    display: none;
  }
  .snapshot-table tbody {
    display: flex;
    flex-direction: column;
    gap: 16px;
  }
  .snapshot-table tr {
    display: block;
    background-color: var(--bg-surface);
    border: 1px solid var(--border-light);
    border-radius: 8px;
    padding: 16px;
    box-shadow: var(--shadow-sm);
  }
  .snapshot-table td {
    display: block;
    border: none;
    border-bottom: 1px solid var(--border-light);
    padding: 10px 0;
  }
  .snapshot-table td:last-child {
    border-bottom: none;
  }
  .snapshot-table td::before {
    content: attr(data-label);
    display: block;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--text-muted);
    letter-spacing: 0.5px;
    margin-bottom: 4px;
  }
  .snapshot-table td[data-label="Key Term"] {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
  }
  .snapshot-table td[data-label="Key Term"]::before {
    margin-bottom: 0;
  }
  .snapshot-type-name,
  .snapshot-table td.snapshot-type-name {
    display: block;
    text-align: center;
  }
  .snapshot-table td.snapshot-type-name::before {
    text-align: center;
  }
  .stream-row {
    grid-template-columns: 1fr;
    gap: 12px;
    text-align: center;
    justify-items: center;
  }
  .stream-number {
    text-align: center;
    width: 100%;
  }
  .stream-main {
    align-items: center;
    text-align: center;
    width: 100%;
  }
  .stream-category,
  .stream-headline,
  .stream-desc {
    text-align: center;
    width: 100%;
  }
  .stream-action-icon {
    display: none;
  }
  .mosaic-grid {
    grid-template-columns: 1fr;
  }
  .mosaic-item-large,
  .mosaic-item-wide,
  .mosaic-item {
    grid-column: span 1;
    height: 220px;
  }
  .steps-container,
  .steps-container.steps-4-col,
  .steps-container.steps-3-col,
  div.steps-container {
    grid-template-columns: 1fr !important;
  }
  .step-box {
    width: 100%;
  }
  .sublimits-grid {
    grid-template-columns: 1fr;
  }
  .lifecycle-flow {
    grid-template-columns: 1fr;
  }
  .digital-archive-steps {
    grid-template-columns: 1fr;
  }
  .terms-wall-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .photo-collage-grid {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
  }
  .collage-item-lead,
  .collage-item {
    grid-row: span 1;
    height: 220px;
  }
  .checklist-split-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .checklist-img-col {
    min-height: 260px;
    height: 260px;
  }
  .split-content {
    text-align: center;
  }
  .split-content .section-label,
  .split-content .section-title,
  .split-content .section-subtitle {
    text-align: center;
  }
  .split-checklist-wrap {
    align-items: center;
  }
  .checklist-entry {
    text-align: left;
    width: 100%;
    max-width: 440px;
    margin: 0 auto;
  }
  .newsletter-inner-box {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .newsletter-fields {
    grid-template-columns: 1fr;
  }
  .preview-strip-inner {
    flex-direction: column;
    text-align: center;
  }
  .preview-strip-content {
    flex-direction: column;
  }
  .editorial-article-panel,
  .editorial-article-panel.alternate {
    grid-template-columns: 1fr;
  }
  .editorial-article-panel.alternate .editorial-panel-img-wrap {
    order: 1;
  }
  .editorial-article-panel.alternate .editorial-panel-text {
    order: 2;
  }
  .editorial-panel-img-wrap {
    min-height: 220px;
    height: 220px;
  }
  .editorial-panel-text {
    padding: 24px;
  }
  .newsroom-featured-grid {
    grid-template-columns: 1fr;
  }
  .newsroom-mini-card {
    grid-template-columns: 1fr;
  }
  .newsroom-mini-img {
    height: 160px;
  }
  .contact-split-grid {
    grid-template-columns: 1fr;
  }
  .contact-split-grid .section-header,
  .contact-info-panel .section-header {
    text-align: center;
  }
  .contact-info-panel .section-label {
    margin-left: auto;
    margin-right: auto;
  }
  .contact-info-panel,
  .contact-form-panel {
    padding: 24px 20px;
  }
  .footer-four-areas {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .footer-copyright-bar {
    flex-direction: column;
    gap: 14px;
    text-align: center;
  }
  .footer-badge-strip {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .steps-container,
  .steps-container.steps-4-col,
  .steps-container.steps-3-col,
  div.steps-container {
    grid-template-columns: 1fr !important;
  }
  .terms-wall-grid {
    grid-template-columns: 1fr;
  }
  .page-hero-title {
    font-size: 2rem;
  }
  h2,
  .section-title,
  .panel-title,
  .newsletter-headline,
  .contact-form-title {
    font-size: 1.25rem;
    line-height: 1.3;
  }
  .snapshot-title,
  .brief-title {
    font-size: 1.15rem;
    line-height: 1.3;
  }
  .rail-head-title {
    font-size: 1rem;
    line-height: 1.3;
  }
  .mobile-drawer {
    width: 75vw;
  }
}

.term-wall-card,
.main-insight-card,
.main-insight-body,
.sublimit-card,
.lifecycle-card,
.rule-column-card,
.newsroom-mini-card,
.newsroom-mini-body,
.newsroom-lead-story,
.newsroom-lead-body,
.step-box,
.mosaic-item,
.mosaic-overlay,
.archive-step-item,
.market-cycle-panel,
.featured-story-zone,
.featured-story-content {
  text-align: center;
}

.term-wall-card,
.main-insight-body,
.sublimit-card,
.lifecycle-card,
.rule-column-card,
.step-box,
.archive-step-item,
.market-cycle-panel {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.featured-story-zone,
.hero-intel-rail,
.brief-panel-zone {
  display: flex;
  flex-direction: column;
  justify-content: flex-start;
}

.hero-intel-rail,
.brief-panel-zone {
  text-align: left;
  align-items: flex-start;
}

.rail-head {
  display: block;
  text-align: left;
  width: 100%;
}

.rail-head-title {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  text-align: left;
}

.rail-head > span {
  display: block;
  text-align: left;
}

.rail-footer-callout {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  text-align: left;
  width: 100%;
}

.rail-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  justify-content: flex-start;
  width: 100%;
}

.rail-item-label,
.rail-item-val,
.rail-item-desc {
  text-align: left;
  width: 100%;
}

.brief-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: left;
  width: 100%;
}

.brief-title {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  text-align: left;
}

.brief-item {
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  text-align: left;
  justify-content: flex-start;
  gap: 14px;
  width: 100%;
}

.brief-icon-wrap {
  margin-left: 0;
  margin-right: 0;
  flex-shrink: 0;
}

.brief-item > div {
  text-align: left;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.brief-topic,
.brief-text {
  text-align: left;
}

.term-tag,
.sublimit-badge,
.mosaic-tag,
.featured-label,
.step-icon-wrap {
  margin-left: auto;
  margin-right: auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.step-num,
.lifecycle-phase {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.rule-header-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  width: 100%;
}

.short-briefs-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.briefs-card-title {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  text-align: left;
  width: 100%;
}

.brief-update-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  justify-content: flex-start;
  width: 100%;
}

.brief-update-title,
.brief-update-desc {
  text-align: left;
  width: 100%;
}

.policy-note-card {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  align-items: flex-start;
  text-align: left;
}

.policy-note-card > div {
  width: 100%;
  text-align: left;
}

.policy-note-badge {
  display: inline-flex;
  align-items: center;
  justify-content: flex-start;
  margin-left: 0;
  margin-right: auto;
  align-self: flex-start;
}

.policy-note-title,
.policy-note-text {
  text-align: left;
  width: 100%;
}

.policy-note-card .btn-static-dark {
  align-self: flex-start;
  margin-left: 0;
  margin-right: auto;
}

.editorial-article-panel .editorial-panel-text,
.editorial-panel-text {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.editorial-panel-text .panel-category-tag {
  display: inline-flex;
  align-items: center;
  margin-left: 0;
  margin-right: auto;
  align-self: flex-start;
  text-align: left;
}

.editorial-panel-text .panel-title,
.editorial-panel-text .panel-summary {
  text-align: left;
  width: 100%;
}

.editorial-panel-text .panel-concepts-box {
  width: 100%;
  text-align: left;
  border-left: 3px solid var(--primary);
  border-right: none;
}

.editorial-panel-text .panel-concepts-title {
  text-align: left;
}

.editorial-panel-text .panel-concepts-list {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  width: fit-content;
  max-width: 100%;
  margin-left: auto;
  margin-right: auto;
  text-align: left;
}

.editorial-panel-text .panel-concepts-list li {
  display: flex;
  align-items: flex-start;
  justify-content: flex-start;
  text-align: left;
  gap: 8px;
  width: 100%;
}

.editorial-panel-text .panel-terms-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-start;
  margin-left: 0;
  margin-right: auto;
  width: 100%;
}

.editorial-panel-text .btn-static {
  align-self: flex-start;
  margin-left: 0;
  margin-right: auto;
}

@media (max-width: 768px) {
  .featured-story-zone {
    order: -1;
  }

  .hero-intel-rail,
  .brief-panel-zone {
    text-align: center;
    align-items: center;
  }

  .rail-head {
    text-align: center;
  }

  .rail-head-title {
    justify-content: center;
    text-align: center;
  }

  .rail-head > span {
    text-align: center;
  }

  .rail-footer-callout {
    justify-content: center;
    text-align: center;
  }

  .rail-item {
    align-items: center;
    text-align: center;
    justify-content: center;
  }

  .rail-item-label,
  .rail-item-val,
  .rail-item-desc {
    text-align: center;
  }

  .brief-header {
    justify-content: center;
    text-align: center;
  }

  .brief-title {
    justify-content: center;
    text-align: center;
  }

  .brief-item {
    flex-direction: column;
    align-items: center;
    text-align: center;
    justify-content: center;
    gap: 8px;
  }

  .brief-icon-wrap {
    margin-left: auto;
    margin-right: auto;
  }

  .brief-item > div {
    text-align: center;
    align-items: center;
  }

  .brief-topic,
  .brief-text {
    text-align: center;
  }

  .short-briefs-card {
    text-align: center;
    align-items: center;
    justify-content: center;
  }

  .briefs-card-title {
    justify-content: center;
    text-align: center;
  }

  .brief-update-item {
    align-items: center;
    text-align: center;
    justify-content: center;
  }

  .brief-update-title,
  .brief-update-desc {
    text-align: center;
  }

  .policy-note-card {
    text-align: center;
    align-items: center;
    justify-content: center;
  }

  .policy-note-card > div {
    text-align: center;
  }

  .policy-note-badge {
    margin-left: auto;
    margin-right: auto;
    align-self: center;
    justify-content: center;
  }

  .policy-note-title,
  .policy-note-text {
    text-align: center;
  }

  .policy-note-card .btn-static-dark {
    align-self: center;
    margin-left: auto;
    margin-right: auto;
  }

  .editorial-article-panel .editorial-panel-text,
  .editorial-panel-text {
    align-items: center;
    text-align: center;
  }

  .editorial-panel-text .panel-category-tag {
    margin-left: auto;
    margin-right: auto;
    align-self: center;
    text-align: center;
  }

  .editorial-panel-text .panel-title,
  .editorial-panel-text .panel-summary {
    text-align: center;
  }

  .editorial-panel-text .panel-concepts-box {
    text-align: center;
  }

  .editorial-panel-text .panel-concepts-title {
    text-align: center;
  }

  .editorial-panel-text .panel-concepts-list {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    width: fit-content;
    max-width: 100%;
    margin-left: auto;
    margin-right: auto;
    text-align: left;
  }

  .editorial-panel-text .panel-concepts-list li {
    display: flex;
    align-items: flex-start;
    justify-content: flex-start;
    text-align: left;
    gap: 8px;
    width: 100%;
  }

  .editorial-panel-text .panel-terms-row {
    justify-content: center;
    margin-left: auto;
    margin-right: auto;
  }

  .editorial-panel-text .btn-static {
    align-self: center;
    margin-left: auto;
    margin-right: auto;
  }

  .steps-container,
  .steps-container.steps-4-col,
  .steps-container.steps-3-col,
  div.steps-container {
    grid-template-columns: 1fr !important;
  }

  .step-box {
    width: 100%;
  }
}

.main-insight-body > div:last-child,
.newsroom-lead-body > div:last-child,
.featured-story-content > div {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-left: auto;
  margin-right: auto;
}

.newsroom-mini-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  justify-content: center;
}

.newsroom-mini-body {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  justify-content: center;
  width: 100%;
}

.newsroom-mini-meta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-left: auto;
  margin-right: auto;
}


.market-cycle-panel .panel-concepts-list {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  width: fit-content;
  max-width: 100%;
  margin-left: auto;
  margin-right: auto;
  text-align: left;
}

.market-cycle-panel .panel-concepts-list li {
  display: flex;
  align-items: flex-start;
  justify-content: flex-start;
  text-align: left;
  gap: 8px;
  width: 100%;
}

.appraisal-guide-box > div:last-child {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.causation-split > div:last-child,
.causation-proof-card {
  text-align: left;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}

.causation-split > div:last-child h3,
.causation-split > div:last-child p,
.causation-split > div:last-child div,
.causation-proof-card h3,
.causation-proof-card p,
.causation-proof-card div {
  text-align: left;
}

.appraisal-guide-box > div:last-child ul,
.appraisal-guide-box ul {
  align-items: flex-start;
  text-align: left;
  width: 100%;
}

.appraisal-guide-box > div:last-child li,
.appraisal-guide-box li {
  justify-content: flex-start;
  text-align: left;
  width: 100%;
}

.appraisal-guide-box > div:last-child li i,
.appraisal-guide-box li i {
  margin-right: 6px;
}

.coinsurance-calc-box {
  text-align: left;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}

.coinsurance-calc-box h3,
.coinsurance-calc-box p {
  text-align: center;
  width: 100%;
}

.coinsurance-calc-box .calc-formula-display,
.coinsurance-calc-box > div,
.coinsurance-calc-box div {
  text-align: left;
  width: 100%;
}

.contact-info-panel {
  text-align: left;
}

.contact-info-panel .section-header {
  text-align: left;
}

.contact-info-panel .section-label {
  display: inline-flex;
  margin-left: 0;
  margin-right: auto;
  text-align: left;
}

.contact-info-panel h3,
.contact-info-panel p {
  text-align: left;
}

.contact-details-list {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  width: 100%;
}

.contact-detail-item {
  display: flex;
  flex-direction: row;
  align-items: flex-start;
  text-align: left;
  justify-content: flex-start;
  gap: 16px;
  width: 100%;
}

.detail-icon-wrap {
  margin-left: 0;
  margin-right: 0;
  flex-shrink: 0;
}

.contact-detail-item > div {
  text-align: left;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.detail-caption,
.detail-val {
  text-align: left;
}

.contact-form-panel {
  text-align: left;
}

.contact-form-title,
.contact-form-sub {
  text-align: left;
}

.contact-form-inner {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  width: 100%;
}

.contact-field-group {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  width: 100%;
  text-align: left;
}

.contact-field-label {
  text-align: left;
  display: block;
  width: 100%;
}

.contact-field-input,
.contact-field-textarea {
  text-align: left;
  width: 100%;
}

.contact-form-inner .btn-static {
  align-self: flex-start;
  margin-left: 0;
  margin-right: auto;
}

.form-feedback-msg {
  text-align: left;
}

@media (max-width: 768px) {
  .contact-info-panel .section-header {
    text-align: center;
  }

  .contact-info-panel .section-label {
    display: inline-flex;
    margin-left: auto;
    margin-right: auto;
    text-align: center;
  }

  .contact-info-panel .section-header h3 {
    text-align: center;
  }

  .contact-form-panel .contact-form-title,
  .contact-form-panel .contact-form-sub {
    text-align: center;
  }

  .contact-form-inner .btn-static {
    align-self: center;
    margin-left: auto;
    margin-right: auto;
  }

  .form-feedback-msg {
    text-align: center;
  }

  .causation-split > div:last-child,
  .causation-proof-card {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
  }

  .causation-split > div:last-child h3,
  .causation-split > div:last-child p,
  .causation-split > div:last-child div,
  .causation-proof-card h3,
  .causation-proof-card p,
  .causation-proof-card div {
    text-align: center;
  }

  .causation-split > div:last-child > div,
  .causation-proof-card > div {
    width: 100%;
  }

  /* Phone interface: Center causation-split, coinsurance-split, and appraisal-guide-box section-label and section-title */
  .causation-split span,
  .causation-split .section-label,
  .coinsurance-split span,
  .coinsurance-split .section-label,
  .appraisal-guide-box span,
  .appraisal-guide-box .section-label {
    display: flex;
    width: -moz-fit-content;
    width: fit-content;
    margin-left: auto;
    margin-right: auto;
    text-align: center;
    justify-content: center;
    align-self: center;
  }

  .causation-split h2,
  .causation-split .section-title,
  .coinsurance-split h2,
  .coinsurance-split .section-title,
  .appraisal-guide-box h2,
  .appraisal-guide-box .section-title {
    text-align: center;
    width: 100%;
  }

  .snapshot-header,
  .snapshot-header .snapshot-title,
  .snapshot-header .snapshot-subtitle {
    text-align: center;
  }

  .snapshot-type-name,
  .snapshot-table td.snapshot-type-name,
  .snapshot-table td.snapshot-type-name::before {
    display: block;
    text-align: center;
  }

  .stream-row,
  .stream-row .stream-number,
  .stream-row .stream-category,
  .stream-row .stream-headline,
  .stream-row .stream-desc {
    text-align: center;
  }

  .stream-row .stream-main {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
  }
}