/* =========================================================
   Insights section stylesheet — shared by the hub and every
   article page under redesign-preview/insights/. Reuses the
   redesign-preview "restrained editorial" design tokens
   (see redesign-preview/index.html) rather than reinventing
   them, so the section stays visually consistent with the
   rest of the rebrand preview.
   ========================================================= */

:root{
  --bg:        #F4F3F0;
  --dark:      #141312;
  --ink:       #1B1811;
  --ink-soft:  #4E4838;
  --line:      #DCD6C6;
  --accent:      #3A362C;
  --accent-dark: #211E17;
  --hover:       #6E2430;
  --amber:       #8A5A1E;
  --on-dark-soft:#CFC7B2;
  --white:     #FFFFFF;
  --serif: 'Libre Caslon Display', 'Iowan Old Style', Georgia, serif;
  --sans:  'Public Sans', -apple-system, 'Segoe UI', sans-serif;
  --container: 1000px;
  --gutter: clamp(24px, 5vw, 72px);
  --ease: cubic-bezier(.16,1,.3,1);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ -webkit-text-size-adjust:100%; scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *,*::before,*::after{ animation-duration:0.001ms !important; transition-duration:0.001ms !important; }
}
body{ margin:0; background:var(--bg); color:var(--ink); font-family:var(--sans); font-size:16px; line-height:1.65; -webkit-font-smoothing:antialiased; }
a{ color:var(--accent-dark); text-decoration:none; }
a:hover{ text-decoration:underline; text-decoration-thickness:1px; text-underline-offset:3px; }
:focus-visible{ outline:2px solid var(--accent); outline-offset:3px; }
h1,h2,h3{ font-family:var(--serif); font-weight:400; color:var(--ink); margin:0; letter-spacing:-0.01em; text-wrap:balance; }
p{ margin:0; }
.container{ max-width:var(--container); margin:0 auto; padding:0 var(--gutter); }

/* ---------------- Buttons ---------------- */

.btn{ display:inline-flex; align-items:center; gap:10px; padding:16px 30px; font-family:var(--sans); font-weight:700; font-size:0.9rem; letter-spacing:0.02em; border:1px solid transparent; transition:background-color .22s var(--ease), color .22s var(--ease); }
.btn-primary{ background:var(--white); color:var(--dark); }
.btn-primary:hover{ background:var(--hover); color:var(--white); text-decoration:none; }
.btn-dark{ background:var(--dark); color:var(--white); }
.btn-dark:hover{ background:var(--hover); text-decoration:none; }
.btn-arrow{ transition:transform .22s var(--ease); }
.btn:hover .btn-arrow{ transform:translateX(4px); }

.eyebrow-rule{ width:48px; height:2px; background:var(--accent); margin-bottom:20px; }
.kicker-label{ font-family:var(--sans); font-weight:700; font-size:0.7rem; letter-spacing:0.14em; text-transform:uppercase; color:var(--ink-soft); }

/* ---------------- Motion system ----------------
   Reusable scroll-reveal, shared by the hub and every article page.
   Mirrors the pattern used on the main site's pillar band. */
.reveal{ opacity:0; transform:translateY(16px); transition:opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.in-view{ opacity:1; transform:translateY(0); }
.reveal-group.in-view > *{ opacity:1; transform:translateY(0); }
.reveal-group > *{ opacity:0; transform:translateY(16px); transition:opacity .6s var(--ease), transform .6s var(--ease); }
.reveal-group > *:nth-child(1){ transition-delay:.02s; }
.reveal-group > *:nth-child(2){ transition-delay:.1s; }
.reveal-group > *:nth-child(3){ transition-delay:.18s; }
.reveal-group > *:nth-child(4){ transition-delay:.26s; }

/* ---------------- Header ---------------- */

.site-header{ background:var(--bg); border-bottom:1px solid var(--line); }
.header-row{ display:flex; align-items:center; justify-content:space-between; gap:24px; padding:24px var(--gutter); }
.header-brand{ font-family:var(--serif); font-size:1.05rem; color:var(--ink); text-decoration:none; line-height:1.3; }
.header-brand small{ display:block; font-family:var(--sans); font-weight:500; font-size:0.62rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--ink-soft); margin-top:3px; }
.header-links{ display:flex; gap:26px; font-size:0.84rem; }
.header-links a{ color:var(--ink-soft); }
.header-links a:hover{ color:var(--hover); text-decoration:none; }
.btn-header-cta{ background:var(--dark); color:#F1EEE7; padding:11px 20px; font-size:0.78rem; white-space:nowrap; }
.btn-header-cta:hover{ background:var(--hover); text-decoration:none; }
@media (max-width:760px){ .header-links{ display:none; } }

/* ---------------- Footer ---------------- */

.site-footer{ background:var(--dark); color:#D2CBB9; }
.site-footer .container{ display:flex; flex-direction:column; align-items:center; text-align:center; gap:14px; padding-top:26px; padding-bottom:26px; font-size:0.82rem; }
.site-footer a{ color:#C9C4B8; }
.footer-links{ display:flex; gap:20px; flex-wrap:wrap; justify-content:center; }

/* ---------------- Hub (insights/index.html) ---------------- */

.hub-hero{ padding:clamp(56px,8vw,88px) 0 clamp(40px,6vw,56px); max-width:680px; }
.hub-hero h1{ font-size:clamp(2rem,3.6vw,2.8rem); margin-bottom:16px; }
.hub-hero p{ color:var(--ink-soft); font-size:1.02rem; max-width:52ch; line-height:1.65; }

.insight-list{ border-top:1px solid var(--line); padding-bottom:clamp(56px,8vw,88px); }
.insight-row{ display:grid; grid-template-columns:1fr auto; align-items:start; gap:24px; padding:36px 0; border-bottom:1px solid var(--line); transition:transform .25s var(--ease); }
.insight-row:hover{ transform:translateX(6px); }
.insight-meta{ margin-bottom:10px; }
.insight-row h2{ font-size:1.35rem; margin-bottom:10px; line-height:1.3; }
.insight-row h2 a{ color:var(--ink); }
.insight-row h2 a:hover{ color:var(--hover); text-decoration:none; }
.insight-row p{ color:var(--ink-soft); font-size:0.96rem; max-width:60ch; line-height:1.6; }
.insight-read{ font-size:0.84rem; font-weight:700; color:var(--accent-dark); white-space:nowrap; align-self:center; transition:color .2s var(--ease); }
.insight-row:hover .insight-read{ color:var(--hover); }
@media (max-width:640px){
  .insight-row{ grid-template-columns:1fr; gap:12px; }
  .insight-read{ justify-self:start; }
}

/* ---------------- Closing CTA band (hub) ---------------- */

.closing{ border-top:1px solid var(--line); background:var(--dark); color:#F1EEE7; }
.closing .container{ display:flex; align-items:center; justify-content:space-between; gap:32px; flex-wrap:wrap; padding-top:52px; padding-bottom:52px; }
.closing h2{ color:#F1EEE7; font-size:clamp(1.55rem, 2.5vw, 2rem); max-width:26ch; }
@media (max-width:640px){ .closing .container{ flex-direction:column; align-items:flex-start; } }

/* ---------------- Article pages ---------------- */

.article-wrap{ max-width:var(--container); padding-top:clamp(48px,7vw,80px); padding-bottom:clamp(56px,8vw,88px); }
.article-crumb{ font-size:0.8rem; color:var(--ink-soft); margin-bottom:22px; }
.article-crumb a{ color:var(--ink-soft); }
.article-crumb a:hover{ color:var(--hover); }
.article-wrap h1{ font-size:clamp(2rem,3.8vw,2.7rem); line-height:1.15; margin-bottom:16px; }

.article-body{ margin-top:40px; }
.article-body > p{ font-size:1rem; color:var(--ink-soft); line-height:1.75; margin-bottom:22px; }
.article-body > p strong{ color:var(--ink); font-weight:700; }
.article-body h2{ font-size:1.5rem; margin:52px 0 18px; max-width:30ch; }
.article-body h2:first-of-type{ margin-top:44px; }
.article-body h3{ font-size:1.1rem; margin:32px 0 14px; }
.article-body ul{ margin:0 0 22px; padding-left:1.2em; }
.article-body li{ font-size:1rem; color:var(--ink-soft); line-height:1.7; margin-bottom:6px; }
.article-body li b, .article-body li strong{ color:var(--ink); }

/* ---- Scenario comparison cards ---- */
.scenario-cards{ display:grid; grid-template-columns:1fr 1fr; gap:0; margin:36px 0 8px; border-top:1px solid var(--line); }
.scenario-card{ padding:28px 28px 28px 0; border-left:1px solid var(--line); padding-left:26px; }
.scenario-card:first-child{ border-left:none; padding-left:0; }
.scenario-card .kicker-label{ margin-bottom:8px; }
.scenario-card h3{ font-size:1.15rem; margin:0 0 16px; }
.scenario-row{ display:flex; justify-content:space-between; gap:12px; font-size:0.9rem; color:var(--ink-soft); padding:8px 0; border-bottom:1px solid var(--line); }
.scenario-row b{ color:var(--ink); font-weight:700; text-align:right; }
.scenario-savings{ margin-top:14px; padding-top:14px; border-top:2px solid var(--ink); display:flex; justify-content:space-between; align-items:baseline; }
.scenario-savings .lab{ font-size:0.78rem; font-weight:700; letter-spacing:0.06em; text-transform:uppercase; color:var(--ink-soft); }
.scenario-savings .amt{ font-family:var(--serif); font-size:1.35rem; color:var(--accent-dark); }
@media (max-width:700px){
  .scenario-cards{ grid-template-columns:1fr; }
  .scenario-card{ border-left:none !important; padding-left:0 !important; border-top:1px solid var(--line); padding-top:26px; }
  .scenario-card:first-child{ border-top:none; padding-top:28px; }
}

/* ---- Expense breakdown infographic ---- */
.breakdown{ margin:36px 0 8px; border-top:1px solid var(--line); }
.breakdown-row{ display:grid; grid-template-columns:1fr auto; gap:16px; align-items:start; padding:22px 0; border-bottom:1px solid var(--line); }
.breakdown-label{ font-size:0.7rem; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; color:var(--ink-soft); margin-bottom:8px; }
.breakdown-items{ font-size:0.92rem; color:var(--ink-soft); line-height:1.7; }
.breakdown-amt{ font-family:var(--serif); font-size:1.3rem; color:var(--ink); white-space:nowrap; }
.breakdown-total{ display:flex; justify-content:space-between; align-items:center; gap:16px; margin-top:2px; padding:22px 26px; background:var(--dark); color:#F1EEE7; }
.breakdown-total .lab{ font-size:0.78rem; font-weight:700; letter-spacing:0.06em; text-transform:uppercase; color:var(--on-dark-soft); }
.breakdown-total .amt{ font-family:var(--serif); font-size:1.55rem; color:#F1EEE7; }

/* ---- Risk profile table ---- */
.risk-table{ width:100%; border-collapse:collapse; margin:36px 0 8px; font-size:0.92rem; }
.risk-table th{ text-align:left; font-family:var(--sans); font-weight:700; font-size:0.7rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--ink-soft); padding:0 16px 12px 0; border-bottom:1px solid var(--ink); }
.risk-table td{ padding:16px 16px 16px 0; border-bottom:1px solid var(--line); color:var(--ink-soft); vertical-align:top; }
.risk-table td:first-child{ color:var(--ink); font-weight:600; }
@media (max-width:600px){
  .risk-table thead{ display:none; }
  .risk-table, .risk-table tbody, .risk-table tr, .risk-table td{ display:block; width:100%; }
  .risk-table tr{ padding:16px 0; border-bottom:1px solid var(--line); }
  .risk-table td{ border-bottom:none; padding:3px 0; }
  .risk-table td:first-child{ font-size:1rem; }
}

/* ---- Calculator-style block ---- */
.calc-block{ margin:36px 0 8px; border:1px solid var(--line); }
.calc-row{ display:flex; justify-content:space-between; align-items:center; gap:16px; padding:18px 26px; border-bottom:1px solid var(--line); }
.calc-row .lab{ font-size:0.88rem; color:var(--ink-soft); }
.calc-row .val{ font-family:var(--serif); font-size:1.15rem; color:var(--ink); white-space:nowrap; }
.calc-row.op{ background:#EFEDE5; }
.calc-row.op .val{ font-size:1rem; }
.calc-row.result{ background:var(--dark); border-bottom:none; }
.calc-row.result .lab{ color:var(--on-dark-soft); }
.calc-row.result .val{ color:#F1EEE7; font-size:1.4rem; }
.calc-row.gap .val{ color:#F1EEE7; }

/* ---- Simple financial flow diagram ---- */
.flow{ display:flex; align-items:stretch; gap:0; margin:36px 0 8px; }
.flow-step{ flex:1; border:1px solid var(--line); padding:22px; text-align:center; }
.flow-step .n{ font-family:var(--serif); font-style:italic; color:var(--accent); font-size:1.05rem; margin-bottom:8px; display:block; }
.flow-step p{ font-size:0.86rem; color:var(--ink-soft); }
.flow-arrow{ flex:0 0 auto; display:flex; align-items:center; justify-content:center; width:36px; color:var(--ink-soft); font-size:1.3rem; }
@media (max-width:640px){
  .flow{ flex-direction:column; }
  .flow-arrow{ width:auto; height:28px; transform:rotate(90deg); }
}

/* ---- Case study dashboard ---- */
.case-card{ border:1px solid var(--line); padding:28px 30px; margin:32px 0 8px; }
.case-card .kicker-label{ margin-bottom:6px; }
.case-card h3{ font-size:1.2rem; margin-bottom:0; }
.case-stats{ display:flex; justify-content:space-between; gap:32px; flex-wrap:wrap; margin-top:18px; padding-top:18px; border-top:1px solid var(--line); }
.case-stat{ font-size:0.82rem; color:var(--ink-soft); }
.case-stat b{ display:block; font-family:var(--serif); font-size:1.1rem; color:var(--ink); font-weight:400; margin-bottom:2px; }

.dash-table{ width:100%; border-collapse:collapse; margin:32px 0 0; font-size:0.94rem; }
.dash-table th{ text-align:left; font-family:var(--sans); font-weight:700; font-size:0.7rem; letter-spacing:0.08em; text-transform:uppercase; color:var(--ink-soft); padding:0 0 12px; border-bottom:1px solid var(--ink); }
.dash-table th:last-child, .dash-table td:last-child{ text-align:right; }
.dash-table td{ padding:13px 0; border-bottom:1px solid var(--line); color:var(--ink-soft); }
.dash-table td:last-child{ color:var(--ink); font-family:var(--serif); font-size:1rem; font-variant-numeric:tabular-nums; }
.dash-table tr.emph td{ font-weight:700; color:var(--ink); border-top:1px solid var(--ink); border-bottom:none; padding-top:15px; }
.dash-table tr.emph td:last-child{ font-size:1.1rem; }

.status-badge{ display:inline-block; font-family:var(--sans); font-size:0.68rem; font-weight:700; letter-spacing:0.05em; text-transform:uppercase; padding:4px 10px; background:#F3E8D8; color:var(--amber); }

.cf-summary{ display:flex; justify-content:space-between; gap:32px; flex-wrap:wrap; margin:0 0 8px; padding:20px 0 4px; border-top:2px solid var(--ink); }
.cf-summary .lab{ font-size:0.72rem; font-weight:700; letter-spacing:0.08em; text-transform:uppercase; color:var(--ink-soft); margin-bottom:6px; }
.cf-summary .amt{ font-family:var(--serif); font-size:1.4rem; color:var(--ink); }
.cf-summary .amt.positive{ color:var(--accent-dark); }

/* ---- Timeline (chronological milestones) ---- */
.timeline{ margin:36px 0 8px; }
.timeline-track{ display:flex; position:relative; }
.timeline-track::before{ content:""; position:absolute; top:6px; left:0; right:0; height:1px; background:var(--line); }
.timeline-point{ flex:1; padding-right:24px; position:relative; }
.timeline-point:last-child{ padding-right:0; }
.timeline-dot{ width:11px; height:11px; background:var(--accent); margin-bottom:16px; position:relative; z-index:1; }
.timeline-age{ font-family:var(--serif); font-size:1.3rem; color:var(--ink); margin-bottom:6px; }
.timeline-point p{ font-size:0.86rem; color:var(--ink-soft); line-height:1.55; max-width:26ch; }
@media (max-width:700px){
  .timeline-track{ flex-direction:column; }
  .timeline-track::before{ display:none; }
  .timeline-point{ padding-right:0; padding-left:22px; border-left:1px solid var(--line); padding-bottom:26px; }
  .timeline-point:last-child{ padding-bottom:0; }
  .timeline-dot{ position:absolute; left:-6px; top:0; margin-bottom:0; }
  .timeline-age{ margin-top:2px; }
}

.info-cards{ display:grid; grid-template-columns:repeat(3,1fr); gap:0; margin:44px 0 40px; border-top:1px solid var(--line); }
.info-card{ padding:28px 28px 0 0; border-left:1px solid var(--line); padding-left:26px; transition:background-color .25s var(--ease), transform .25s var(--ease); }
.info-card:hover{ background:#EFECE3; transform:translateY(-3px); }
.info-card:first-child{ border-left:none; padding-left:0; }
.info-num{ font-family:var(--serif); font-style:italic; font-weight:400; font-size:1.4rem; color:var(--accent); margin-bottom:14px; }
.info-card h3{ font-size:1.05rem; margin-bottom:10px; }
.info-card p{ font-size:0.9rem; color:var(--ink-soft); line-height:1.6; }
@media (max-width:700px){
  .info-cards{ grid-template-columns:1fr; }
  .info-card{ border-left:none !important; padding-left:0 !important; border-top:1px solid var(--line); padding-top:26px; }
  .info-card:first-child{ border-top:none; padding-top:28px; }
}

.cta-block{ margin:48px 0; padding:36px; background:var(--dark); color:#F1EEE7; }
.cta-block h2{ color:#F1EEE7; font-size:1.4rem; margin-bottom:12px; max-width:32ch; }
.cta-block p{ color:#C9C4B8; font-size:0.96rem; max-width:52ch; margin-bottom:22px; line-height:1.6; }

.disclaimer{ font-style:italic; font-size:0.86rem; color:var(--ink-soft); max-width:64ch; margin-top:32px; }

.footnotes{ margin-top:48px; padding-top:24px; border-top:1px solid var(--line); }
.footnotes ol{ margin:0; padding-left:1.2em; }
.footnotes li{ font-size:0.85rem; color:var(--ink-soft); margin-bottom:8px; line-height:1.6; }
.footnotes a{ color:var(--accent-dark); word-break:break-word; }
sup a{ font-size:0.7em; }

.related{ margin-top:56px; padding-top:28px; border-top:1px solid var(--line); }
.related-label{ margin-bottom:16px; }
.related-list{ display:flex; flex-direction:column; }
.related-row{ display:block; padding:14px 0; border-bottom:1px solid var(--line); font-size:0.95rem; color:var(--ink); transition:color .2s var(--ease), transform .25s var(--ease); }
.related-row:hover{ color:var(--hover); text-decoration:none; transform:translateX(6px); }