/* ==========================================================================
   Seabound Journeys · Insurance layer (ins.css) · v1 · Oct 2026
   Shared by every travel-insurance page. Header + footer + the "ins" system.
   ========================================================================== */
:root{
  --ink:#0B1C2E;--ink2:#10304D;--teal:#0F4C5C;--teal2:#14707A;--glass:#7FC4C0;
  --gold:#E2B868;--gold2:#C9973F;--coral:#E0775A;--leaf:#4E9A72;
  --paper:#F7F4EE;--paper2:#EFEAE0;--mist:#EEF3F6;--line:#E2DDD2;--line2:#D3DCE4;
  --text:#1B2A38;--soft:#55687A;--faint:#8494A3;
  --disp:'Cormorant Garamond',Georgia,serif;--body:'Jost',system-ui,sans-serif;--mono:'Space Mono',ui-monospace,monospace;
  --r:18px;--sh:0 1px 2px rgba(11,28,46,.05),0 12px 32px -18px rgba(11,28,46,.28);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;color-scheme:light}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{font-family:var(--body);color:var(--text);background:var(--paper);line-height:1.7;font-weight:400;font-size:1.04rem;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--teal2)}
::selection{background:var(--gold);color:var(--ink)}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.7rem 1.2rem;z-index:300}
.skip:focus{left:0}

/* ---------- unified site header ---------- */
.sjh{position:sticky;top:0;z-index:100;background:#fff!important;border-bottom:1px solid #DCE6EF;font-family:'Jost',system-ui,sans-serif}
.sjh,.sjh *{line-height:1.15;box-sizing:border-box}
.sjh-inner{max-width:1480px;margin:0 auto;padding:.7rem 24px 0}
.sjh-top{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.sjh-brand{display:flex;align-items:center;gap:.7rem;text-decoration:none}
.sjh-brand img{height:44px;width:auto;display:block}
.sjh-brand .divider{width:1px;height:38px;background:#DCE6EF}
.sjh-name{font-family:'Cormorant Garamond',Georgia,serif;font-weight:600;font-size:1.5rem;color:#0A1E33;line-height:1.05;display:flex;flex-direction:column}
.sjh-name .tag{font-family:'Jost',sans-serif;font-size:.55rem;letter-spacing:.26em;text-transform:uppercase;color:#1a5f91;font-weight:600;margin-top:.35rem}
.sjh-cta{background:#1a5f91;color:#fff;padding:.7rem 1.2rem;border-radius:4px;text-decoration:none;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600;white-space:nowrap}
.sjh-cta:hover{background:#155A8A}
.sjh-menu{display:none;align-items:center;gap:.4rem;background:none;border:1.5px solid #0A1E33;border-radius:4px;padding:.45rem .8rem;cursor:pointer;color:#0A1E33;font-size:.7rem;letter-spacing:.14em;font-weight:600;text-transform:uppercase}
.sjh-nav{margin-top:.55rem;border-top:1px solid #EEF3F8}
.sjh-nav ul{list-style:none;display:flex;flex-wrap:wrap;gap:1.4rem;align-items:center;margin:0;padding:.7rem 0}
.sjh-nav a{text-decoration:none;color:#1C2B3A;font-size:.8rem;letter-spacing:.05em;text-transform:uppercase;font-weight:500}
.sjh-nav a:hover,.sjh-nav a.on{color:#1a5f91}
@media(max-width:920px){.sjh-top{flex-wrap:wrap}.sjh-menu{display:flex}.sjh-nav{display:none}.sjh-nav.open{display:block}.sjh-nav.open ul{flex-direction:column;align-items:flex-start;gap:.9rem}}
@media(max-width:640px){.sjh-cta{display:none}.sjh-brand img{height:34px}.sjh-brand .divider{height:30px}.sjh-name{font-size:1.05rem}.sjh-name .tag{font-size:.48rem;letter-spacing:.2em;margin-top:.25rem}.sjh-menu{padding:.4rem .65rem;font-size:.66rem}}

/* ---------- reading progress ---------- */
.ins-prog{position:fixed;left:0;top:0;height:3px;width:100%;z-index:150;pointer-events:none;transform-origin:0 50%;transform:scaleX(0);background:linear-gradient(90deg,var(--glass),var(--gold) 60%,var(--coral))}

/* ---------- layout ---------- */
.ins-wrap{width:min(1180px,calc(100% - 32px));margin:0 auto}
.ins-narrow{width:min(760px,calc(100% - 32px));margin:0 auto}
.ins-k{font:700 .7rem/1.2 var(--mono);letter-spacing:.2em;text-transform:uppercase;color:var(--teal2)}
.ins-k i{display:inline-block;width:26px;height:1px;background:currentColor;vertical-align:middle;margin-right:10px;opacity:.6}

/* ---------- HERO ---------- */
.ins-hero{position:relative;overflow:hidden;color:#EAF1F6;background:radial-gradient(120% 90% at 78% 30%,#1B5A6B 0%,#10304D 38%,#0B1C2E 72%,#08131F 100%);isolation:isolate}
.ins-hero canvas.ins-sea{position:absolute;inset:0;width:100%;height:100%;z-index:-1;opacity:.9}
.ins-hero .ins-dome{position:absolute;right:-6%;top:-18%;width:min(760px,80vw);aspect-ratio:1;z-index:-1;pointer-events:none}
.ins-hero .ins-grain{position:absolute;inset:0;z-index:-1;opacity:.07;mix-blend-mode:overlay;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
.ins-hero-in{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:clamp(28px,4vw,64px);align-items:center;padding:clamp(40px,6vw,76px) 0 clamp(64px,7vw,96px)}
.ins-crumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font:700 .66rem/1 var(--mono);letter-spacing:.16em;text-transform:uppercase;color:#9FC3CF;margin-bottom:22px}
.ins-crumb a{color:#CFE3EA;text-decoration:none;border:1px solid rgba(207,227,234,.28);padding:7px 11px;border-radius:999px;transition:background .2s}
.ins-crumb a:hover{background:rgba(255,255,255,.08)}
.ins-hero h1{font:600 clamp(2.5rem,5.6vw,4.6rem)/1 var(--disp);letter-spacing:-.01em;color:#fff;max-width:13ch}
.ins-hero h1 em{font-style:italic;color:var(--gold)}
.ins-lede{margin-top:20px;font-size:clamp(1.05rem,1.5vw,1.22rem);line-height:1.6;color:#C9DAE5;max-width:56ch}
.ins-lede b{color:#fff;font-weight:500}
.ins-stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;margin-top:30px;border-radius:14px;overflow:hidden;background:rgba(255,255,255,.12);max-width:640px}
.ins-stats div{background:rgba(8,19,31,.55);backdrop-filter:blur(6px);padding:14px 14px 13px}
.ins-stats b{display:block;font:600 1.7rem/1 var(--disp);color:#fff;letter-spacing:-.01em}
.ins-stats span{display:block;margin-top:7px;font:700 .58rem/1.35 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:#93B3C4}
.ins-by{display:flex;flex-wrap:wrap;gap:6px 14px;align-items:center;margin-top:22px;font-size:.86rem;color:#9FB8C8}
.ins-by b{color:#fff;font-weight:500}
.ins-chk{display:inline-flex;align-items:center;gap:7px;padding:5px 11px;border-radius:999px;background:rgba(78,154,114,.16);border:1px solid rgba(127,196,160,.35);color:#BFE5CF;font:700 .62rem/1 var(--mono);letter-spacing:.12em;text-transform:uppercase}
.ins-chk::before{content:"";width:7px;height:7px;border-radius:50%;background:#7FD3A6;box-shadow:0 0 0 0 rgba(127,211,166,.6);animation:insPulse 2.4s infinite}
@keyframes insPulse{0%{box-shadow:0 0 0 0 rgba(127,211,166,.55)}70%{box-shadow:0 0 0 9px rgba(127,211,166,0)}100%{box-shadow:0 0 0 0 rgba(127,211,166,0)}}
.ins-hero-wave{position:absolute;left:0;right:0;bottom:-1px;height:70px;z-index:0}
.ins-hero-wave path{fill:var(--paper)}
@media(max-width:940px){.ins-hero-in{grid-template-columns:1fr}.ins-stats{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* ---------- glass card + deadline dial ---------- */
.ins-glass{position:relative;border-radius:22px;padding:22px 22px 20px;background:linear-gradient(160deg,rgba(255,255,255,.13),rgba(255,255,255,.04));border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(14px);box-shadow:0 30px 70px -30px rgba(0,0,0,.6)}
.ins-glass h2{font:600 1.45rem/1.15 var(--disp);color:#fff;margin:6px 0 4px}
.ins-glass p.s{font-size:.86rem;color:#A9C2D0;margin-bottom:14px}
.ins-dial-f{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:12px}
.ins-dial-f label{display:block;font:700 .58rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:#93B3C4;margin-bottom:6px}
.ins-dial-f input,.ins-dial-f select{width:100%;font:500 .92rem var(--body);color:#fff;background:rgba(8,19,31,.5);border:1px solid rgba(255,255,255,.2);border-radius:10px;padding:9px 10px;color-scheme:dark}
.ins-dial-f .full{grid-column:1/-1}
.ins-dial-f input:focus-visible,.ins-dial-f select:focus-visible{outline:2px solid var(--gold);outline-offset:1px}
.ins-dial-v{display:grid;grid-template-columns:150px 1fr;gap:16px;align-items:center}
.ins-ring{position:relative;width:150px;height:150px}
.ins-ring svg{width:150px;height:150px;transform:rotate(-90deg)}
.ins-ring circle{fill:none;stroke-width:9;stroke-linecap:round}
.ins-ring .bg{stroke:rgba(255,255,255,.1)}
.ins-ring .fg{stroke:url(#insRingG);transition:stroke-dashoffset 1s cubic-bezier(.2,.8,.2,1)}
.ins-ring .mid{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ins-ring .mid b{font:600 2.6rem/1 var(--disp);color:#fff}
.ins-ring .mid span{font:700 .56rem/1.3 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:#9FC3CF;margin-top:4px;max-width:96px}
.ins-ring.late .mid b{color:#F3A88F}
.ins-dl{list-style:none;display:grid;gap:7px}
.ins-dl li{display:grid;grid-template-columns:10px 1fr auto;gap:9px;align-items:center;font-size:.84rem;color:#D3E2EB;line-height:1.3}
.ins-dl li i{width:10px;height:10px;border-radius:50%;background:var(--glass)}
.ins-dl li.warn i{background:var(--gold)}.ins-dl li.gone i{background:var(--coral)}.ins-dl li.ok i{background:#7FD3A6}
.ins-dl li em{font-style:normal;font:700 .66rem/1 var(--mono);letter-spacing:.06em;color:#fff;white-space:nowrap}
.ins-dl li.gone em{color:#F3A88F}
.ins-dial-n{margin-top:12px;font-size:.76rem;line-height:1.45;color:#8FA9B9}
@media(max-width:420px){.ins-dial-v{grid-template-columns:1fr;justify-items:center}.ins-dl{width:100%}}

/* ---------- sticky section nav ---------- */
.ins-toc{position:sticky;top:var(--sjh-h,92px);z-index:60;background:rgba(247,244,238,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.ins-toc .ins-wrap{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;padding:10px 0}
.ins-toc .ins-wrap::-webkit-scrollbar{display:none}
.ins-toc a{flex:0 0 auto;text-decoration:none;font:500 .82rem/1 var(--body);color:var(--soft);padding:9px 13px;border-radius:999px;transition:all .2s;white-space:nowrap}
.ins-toc a:hover{color:var(--ink);background:var(--paper2)}
.ins-toc a.on{background:var(--ink);color:#fff}

/* ---------- sections ---------- */
.ins-sec{padding:clamp(56px,7vw,96px) 0}
.ins-sec.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.ins-sec.dark{background:linear-gradient(170deg,#0B1C2E,#0F3346);color:#D5E3EC}
.ins-sh{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;margin-bottom:26px}
.ins-num{font:600 1rem/1 var(--mono);color:var(--gold2);padding-top:12px;min-width:2.2em}
.ins-sh h2{font:600 clamp(1.9rem,3.6vw,2.9rem)/1.05 var(--disp);color:var(--ink);letter-spacing:-.005em}
.ins-sh h2 em{font-style:italic;color:var(--teal2)}
.ins-sh .ins-k{margin-bottom:10px;display:block}
.dark .ins-sh h2{color:#fff}.dark .ins-sh h2 em{color:var(--gold)}.dark .ins-k{color:var(--glass)}
.ins-intro{font-size:1.14rem;color:var(--soft);max-width:62ch;margin:-6px 0 28px}
.dark .ins-intro{color:#A9C2D0}
.ins-prose p{margin:0 0 1.05em;max-width:68ch}
.ins-prose p:last-child{margin-bottom:0}
.ins-prose b,.ins-prose strong{font-weight:600;color:var(--ink)}
.dark .ins-prose b{color:#fff}
.ins-prose h3{font:600 1.5rem/1.2 var(--disp);color:var(--ink);margin:1.6em 0 .5em}
.ins-cols{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(24px,4vw,56px)}
@media(max-width:860px){.ins-cols{grid-template-columns:1fr}}
.ins-pull{font:500 italic clamp(1.5rem,2.6vw,2rem)/1.25 var(--disp);color:var(--ink);border-left:3px solid var(--gold);padding:4px 0 4px 22px;margin:30px 0;max-width:30ch}
.dark .ins-pull{color:#fff}

/* answer card */
.ins-answer{position:relative;margin-top:-54px;z-index:5;background:#fff;border-radius:22px;box-shadow:var(--sh);border:1px solid var(--line);padding:clamp(22px,3vw,34px);display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start}
.ins-answer .tag{writing-mode:vertical-rl;transform:rotate(180deg);font:700 .62rem/1 var(--mono);letter-spacing:.24em;text-transform:uppercase;color:var(--gold2);border-left:1px solid var(--line);padding-left:12px}
.ins-answer p{font-size:1.12rem;line-height:1.65;color:var(--text)}
.ins-answer p+p{margin-top:.7em}
.ins-answer b{color:var(--ink);font-weight:600}
@media(max-width:640px){.ins-answer{grid-template-columns:1fr}.ins-answer .tag{writing-mode:horizontal-tb;transform:none;border:0;padding:0}}

/* ---------- timeline (sorted by what expires) ---------- */
.ins-tl{position:relative;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.ins-tl::before{content:"";position:absolute;left:4%;right:4%;top:23px;height:2px;background:linear-gradient(90deg,var(--coral),var(--gold) 45%,var(--glass))}
.ins-tl .st{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:58px 20px 20px;box-shadow:var(--sh)}
.ins-tl .st::before{content:"";position:absolute;top:15px;left:20px;width:18px;height:18px;border-radius:50%;background:#fff;border:4px solid var(--c,var(--glass))}
.ins-tl .st .w{position:absolute;top:16px;left:48px;right:16px;display:flex;justify-content:space-between;font:700 .64rem/1.4 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--c,var(--teal2))}
.ins-tl h3{font:600 1.35rem/1.15 var(--disp);color:var(--ink)}
.ins-tl p{font-size:.9rem;color:var(--soft);margin:6px 0 12px}
.ins-tl .tags{display:flex;flex-wrap:wrap;gap:6px}
.ins-tl .tags span{font-size:.78rem;padding:5px 10px;border-radius:999px;background:var(--paper);border:1px solid var(--line);color:var(--text)}
@media(max-width:860px){.ins-tl{grid-template-columns:1fr}.ins-tl::before{left:29px;right:auto;top:20px;bottom:20px;width:2px;height:auto;background:linear-gradient(180deg,var(--coral),var(--gold) 45%,var(--glass))}}

/* ---------- risk cards ---------- */
.ins-risks{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
@media(max-width:1000px){.ins-risks{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.ins-risks{grid-template-columns:1fr}}
.ins-risk{position:relative;text-align:left;cursor:pointer;font:inherit;color:inherit;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh);transition:transform .25s,box-shadow .25s,border-color .25s;display:flex;flex-direction:column;gap:8px;min-height:236px}
.ins-risk:hover{transform:translateY(-3px);border-color:var(--line2)}
.ins-risk:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.ins-risk .rk{font:700 .6rem/1 var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--faint)}
.ins-risk h3{font:600 1.3rem/1.15 var(--disp);color:var(--ink)}
.ins-risk .big{font:600 1.7rem/1 var(--disp);color:var(--teal2);margin-top:auto}
.ins-risk .verdict{align-self:flex-start;font:700 .6rem/1 var(--mono);letter-spacing:.1em;text-transform:uppercase;padding:6px 9px;border-radius:999px}
.ins-risk .verdict.y{background:#E5F2EA;color:#2F7350}.ins-risk .verdict.n{background:#FBE7E0;color:#B24E33}
.ins-risk .more{display:none;font-size:.9rem;color:var(--soft);line-height:1.55}
.ins-risk[aria-expanded="true"]{border-color:var(--gold)}
.ins-risk[aria-expanded="true"] .more{display:block}
.ins-risk .plus{position:absolute;top:16px;right:16px;width:24px;height:24px;border-radius:50%;border:1px solid var(--line2);display:grid;place-items:center;font-size:15px;color:var(--soft);transition:transform .25s}
.ins-risk[aria-expanded="true"] .plus{transform:rotate(45deg)}
.ins-split{margin-top:22px;display:grid;grid-template-columns:1fr 1fr;border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.ins-split div{padding:18px 20px;font-size:.95rem}
.ins-split div:first-child{background:#EEF6F1}.ins-split div:last-child{background:#FCEEE9}
.ins-split b{display:block;font:600 1.25rem/1.2 var(--disp);color:var(--ink);margin-bottom:4px}
@media(max-width:640px){.ins-split{grid-template-columns:1fr}}

/* ---------- coverage bars (log scale) ---------- */
.ins-bars{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(18px,3vw,30px);box-shadow:var(--sh)}
.ins-bars-tabs{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:18px}
.ins-bars-tabs button,.ins-chips button{font:500 .84rem var(--body);color:var(--soft);background:var(--paper);border:1px solid var(--line);padding:8px 13px;border-radius:999px;cursor:pointer;transition:all .2s}
.ins-bars-tabs button[aria-pressed="true"],.ins-chips button[aria-pressed="true"]{background:var(--ink);color:#fff;border-color:var(--ink)}
.ins-bars-tabs button:focus-visible,.ins-chips button:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.ins-bar{display:grid;grid-template-columns:minmax(120px,190px) 1fr auto;gap:14px;align-items:center;padding:9px 0}
.ins-bar .n{font-size:.9rem;font-weight:500;color:var(--ink);line-height:1.25}
.ins-bar .n small{display:block;font-size:.74rem;color:var(--faint);font-weight:400}
.ins-bar .t{position:relative;height:14px;border-radius:999px;background:var(--mist);overflow:visible}
.ins-bar .f{position:absolute;left:0;top:0;bottom:0;width:0;border-radius:999px;background:linear-gradient(90deg,var(--c1,#14707A),var(--c2,#7FC4C0));transition:width 1.1s cubic-bezier(.2,.8,.2,1)}
.ins-bar .v{font:700 .82rem/1 var(--mono);color:var(--ink);min-width:86px;text-align:right}
.ins-bar.hl .n{color:var(--teal2)}
.ins-band{position:relative;margin:8px 0 2px calc(min(190px,30%) + 14px);height:24px}
.ins-scale{position:relative;height:30px;margin-left:calc(clamp(120px,22%,190px) + 14px);margin-right:100px}
.ins-scale span{position:absolute;top:8px;transform:translateX(-50%);font:700 .6rem/1 var(--mono);color:var(--faint)}
.ins-scale span::before{content:"";position:absolute;left:50%;top:-8px;height:6px;width:1px;background:var(--line2)}
.ins-mark{position:absolute;top:-6px;bottom:-6px;width:0;border-left:2px dashed var(--coral);opacity:.85}
.ins-mark b{position:absolute;top:-20px;left:6px;white-space:nowrap;font:700 .6rem/1 var(--mono);letter-spacing:.06em;color:#B24E33;text-transform:uppercase}
.ins-range{position:absolute;top:-4px;bottom:-4px;border-radius:999px;background:repeating-linear-gradient(135deg,rgba(224,119,90,.16) 0 6px,rgba(224,119,90,.06) 6px 12px);border:1px dashed rgba(224,119,90,.55)}
.ins-bars .note{margin-top:14px;font-size:.8rem;color:var(--faint);line-height:1.5}
@media(max-width:640px){.ins-bar{grid-template-columns:1fr auto;gap:6px 10px}.ins-bar .t{grid-column:1/-1;grid-row:2}.ins-scale{margin-left:0;margin-right:0}}

/* ---------- scenario simulator ---------- */
.ins-sim{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:22px;align-items:start}
@media(max-width:900px){.ins-sim{grid-template-columns:1fr}}
.ins-sim-c{background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:var(--sh)}
.ins-sim-c h3{font:600 1.3rem/1.2 var(--disp);color:var(--ink);margin-bottom:10px}
.ins-scen{display:grid;gap:8px}
.ins-scen button{display:grid;grid-template-columns:34px 1fr;gap:12px;align-items:center;text-align:left;font:inherit;color:var(--text);background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:11px 12px;cursor:pointer;transition:all .2s}
.ins-scen button .ic{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:#fff;border:1px solid var(--line);font-size:17px}
.ins-scen button b{display:block;font-weight:600;font-size:.94rem;color:var(--ink);line-height:1.25}
.ins-scen button small{display:block;font-size:.8rem;color:var(--soft);line-height:1.35}
.ins-scen button[aria-pressed="true"]{background:var(--ink);border-color:var(--ink)}
.ins-scen button[aria-pressed="true"] b{color:#fff}.ins-scen button[aria-pressed="true"] small{color:#A9C2D0}
.ins-scen button:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.ins-slider{margin:18px 0 4px}
.ins-slider label{display:flex;justify-content:space-between;font:700 .62rem/1 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--faint);margin-bottom:10px}
.ins-slider label b{font:600 1.3rem/1 var(--disp);color:var(--ink);letter-spacing:0;text-transform:none}
.ins-slider input{width:100%;accent-color:var(--teal2)}
.ins-out{display:grid;gap:12px}
.ins-plan{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px 20px 18px;box-shadow:var(--sh);overflow:hidden}
.ins-plan::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--pc,var(--teal2))}
.ins-plan .hd{display:flex;justify-content:space-between;gap:12px;align-items:baseline}
.ins-plan .hd b{font:600 1.15rem/1.2 var(--disp);color:var(--ink)}
.ins-cur{font:700 .62rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;padding:6px 9px;border-radius:999px;white-space:nowrap}
.ins-cur.cash{background:#E5F2EA;color:#2F7350}.ins-cur.credit{background:#FDF1DC;color:#9A6A1C}.ins-cur.none{background:#FBE7E0;color:#B24E33}.ins-cur.part{background:#E7EEF6;color:#2C5A86}
.ins-plan .amt{font:600 2.3rem/1 var(--disp);color:var(--ink);margin:12px 0 6px;letter-spacing:-.01em}
.ins-plan .amt small{font:500 .9rem var(--body);color:var(--soft);margin-left:6px}
.ins-plan .why{font-size:.9rem;color:var(--soft);line-height:1.5}
.ins-plan .gauge{height:8px;border-radius:999px;background:var(--mist);margin-top:12px;overflow:hidden}
.ins-plan .gauge i{display:block;height:100%;width:0;background:var(--pc,var(--teal2));border-radius:999px;transition:width .9s cubic-bezier(.2,.8,.2,1)}
.ins-sim .fine{font-size:.78rem;color:var(--faint);line-height:1.5;margin-top:12px}

/* ---------- tier switcher ---------- */
.ins-tiers{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--sh);overflow:hidden}
.ins-tiers-nav{display:grid;grid-template-columns:repeat(3,1fr);border-bottom:1px solid var(--line)}
.ins-tiers-nav button{font:inherit;background:var(--paper);border:0;border-right:1px solid var(--line);padding:16px 12px;cursor:pointer;text-align:left;color:var(--soft);transition:background .2s}
.ins-tiers-nav button:last-child{border-right:0}
.ins-tiers-nav button b{display:block;font:600 1.25rem/1.1 var(--disp);color:var(--ink)}
.ins-tiers-nav button small{font:700 .58rem/1 var(--mono);letter-spacing:.12em;text-transform:uppercase}
.ins-tiers-nav button[aria-selected="true"]{background:#fff;box-shadow:inset 0 -3px 0 var(--gold)}
.ins-tiers-nav button:focus-visible{outline:2px solid var(--gold);outline-offset:-2px}
.ins-tier{display:none;padding:clamp(18px,3vw,30px)}
.ins-tier.on{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px 30px;animation:insIn .45s ease}
@keyframes insIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.ins-tier dl{display:contents}
.ins-tier .row{padding:12px 0;border-bottom:1px dashed var(--line)}
.ins-tier dt{font:700 .6rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--faint);margin-bottom:6px}
.ins-tier dd{font-size:.98rem;color:var(--text)}
.ins-tier dd b{font-weight:600;color:var(--ink)}
.ins-tier .lock{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;padding:14px 16px;border-radius:14px;background:#FBEFEA;color:#7E3B28;font-size:.94rem}
.ins-tier .lock.open{background:#EAF4EE;color:#285E43}
.ins-tier .lock i{font-style:normal;font-size:18px;line-height:1.2}
@media(max-width:700px){.ins-tier.on{grid-template-columns:1fr}.ins-tiers-nav button b{font-size:1.05rem}}

/* ---------- scorecard ---------- */
.ins-score{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--sh);padding:clamp(18px,3vw,30px)}
.ins-score-hd{display:grid;grid-template-columns:1fr 70px 70px;gap:12px;align-items:end;padding-bottom:12px;border-bottom:2px solid var(--ink);font:700 .62rem/1.2 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--soft)}
.ins-score-hd span{text-align:center}
.ins-srow{display:grid;grid-template-columns:1fr 70px 70px;gap:12px;align-items:center;padding:14px 0;border-bottom:1px solid var(--line);cursor:pointer}
.ins-srow.single{grid-template-columns:1fr 110px}
.ins-score-hd.single{grid-template-columns:1fr 110px}
.ins-srow .lb b{display:block;font-weight:600;color:var(--ink);font-size:.98rem}
.ins-srow .lb p{display:none;font-size:.88rem;color:var(--soft);margin-top:6px;line-height:1.55}
.ins-srow.open .lb p{display:block}
.ins-srow .lb small{font-size:.76rem;color:var(--faint)}
.ins-sc{position:relative;display:grid;place-items:center}
.ins-sc svg{width:52px;height:52px;transform:rotate(-90deg)}
.ins-sc circle{fill:none;stroke-width:5}
.ins-sc .bg{stroke:var(--mist)}
.ins-sc .fg{stroke:var(--sc,var(--teal2));stroke-linecap:round;transition:stroke-dashoffset 1s cubic-bezier(.2,.8,.2,1)}
.ins-sc b{position:absolute;font:600 1.15rem/1 var(--disp);color:var(--ink)}
.ins-sc.win b{color:var(--teal2)}
.ins-sc.win::after{content:"";position:absolute;top:-2px;right:6px;width:9px;height:9px;border-radius:50%;background:var(--gold)}
.ins-tally{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:20px}
.ins-tally div{text-align:center;padding:16px 10px;border-radius:16px;background:var(--paper)}
.ins-tally b{display:block;font:600 2.4rem/1 var(--disp);color:var(--ink)}
.ins-tally span{font:700 .6rem/1 var(--mono);letter-spacing:.12em;text-transform:uppercase;color:var(--soft)}
.ins-tally .lead{background:var(--ink)}.ins-tally .lead b{color:var(--gold)}.ins-tally .lead span{color:#A9C2D0}
.ins-score .note{margin-top:14px;font-size:.8rem;color:var(--faint);line-height:1.5}

/* ---------- board (filter grid) ---------- */
.ins-filters{display:flex;flex-wrap:wrap;gap:16px 26px;margin-bottom:20px}
.ins-filters .grp{display:flex;flex-wrap:wrap;align-items:center;gap:6px}
.ins-filters .grp>span{font:700 .6rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--faint);margin-right:4px}
.ins-chips{display:flex;flex-wrap:wrap;gap:6px}
.ins-board{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}
.ins-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh);display:flex;flex-direction:column;gap:8px;transition:opacity .3s,transform .3s}
.ins-card.hide{display:none}
.ins-card .tier{align-self:flex-start;font:700 .58rem/1 var(--mono);letter-spacing:.12em;text-transform:uppercase;padding:6px 9px;border-radius:999px;background:var(--mist);color:var(--teal2)}
.ins-card .tier.must{background:var(--ink);color:var(--gold)}
.ins-card .tier.spec{background:var(--paper2);color:var(--soft)}
.ins-card h3{font:600 1.3rem/1.15 var(--disp);color:var(--ink)}
.ins-card .when{font:700 .62rem/1.3 var(--mono);letter-spacing:.08em;text-transform:uppercase;color:var(--coral)}
.ins-card .when.any{color:var(--teal2)}.ins-card .when.fp{color:var(--gold2)}
.ins-card p{font-size:.92rem;color:var(--soft);line-height:1.6}
.ins-card .short{margin-top:auto;padding-top:10px;border-top:1px dashed var(--line);font-size:.85rem;color:var(--ink);font-weight:500}
.ins-empty{display:none;padding:30px;text-align:center;color:var(--soft)}
.ins-empty.show{display:block}

/* ---------- comparison table ---------- */
.ins-tbl{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--sh);font-size:.93rem}
.ins-tbl th,.ins-tbl td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.ins-tbl thead th{background:var(--ink);color:#fff;font:700 .64rem/1.3 var(--mono);letter-spacing:.12em;text-transform:uppercase}
.ins-tbl tbody th{font-weight:600;color:var(--ink);background:var(--paper);width:24%}
.ins-tbl tr:last-child td,.ins-tbl tr:last-child th{border-bottom:0}
.ins-tbl td b{color:var(--ink);font-weight:600}
.ins-tblw{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:20px}
@media(max-width:700px){.ins-tbl{font-size:.86rem}.ins-tbl th,.ins-tbl td{padding:11px 12px}}

/* ---------- verdict / pick cards ---------- */
.ins-picks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
@media(max-width:760px){.ins-picks{grid-template-columns:1fr}}
.ins-pick{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 20px;box-shadow:var(--sh);border-top:4px solid var(--pc,var(--teal2))}
.ins-pick .who{font:700 .62rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--pc,var(--teal2))}
.ins-pick h3{font:600 1.35rem/1.2 var(--disp);color:var(--ink);margin:8px 0 6px}
.ins-pick p{font-size:.94rem;color:var(--soft)}
.ins-pick ul{margin:10px 0 0 18px;font-size:.93rem;color:var(--text)}
.ins-pick li{margin:5px 0}
.ins-vs{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:stretch}
.ins-vs .side{border-radius:24px;padding:26px;color:#EAF1F6;background:linear-gradient(160deg,var(--a1,#10304D),var(--a2,#0B1C2E));box-shadow:var(--sh)}
.ins-vs .side .k{font:700 .62rem/1 var(--mono);letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.ins-vs .side h3{font:600 2rem/1.05 var(--disp);color:#fff;margin:10px 0}
.ins-vs .side p{color:#C2D4E0;font-size:.96rem}
.ins-vs .mid{display:grid;place-items:center;font:600 italic 1.6rem var(--disp);color:var(--gold2)}
@media(max-width:800px){.ins-vs{grid-template-columns:1fr}.ins-vs .mid{padding:4px}}

/* ---------- facts list / sources ---------- */
.ins-src{display:grid;gap:10px}
.ins-src a.s{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center;text-decoration:none;color:var(--text);background:#fff;border:1px solid var(--line);border-radius:14px;padding:13px 16px;transition:border-color .2s,transform .2s}
.ins-src a.s:hover{border-color:var(--teal2);transform:translateX(3px)}
.ins-src a.s b{display:block;color:var(--ink);font-weight:600;font-size:.94rem}
.ins-src a.s small{display:block;color:var(--soft);font-size:.82rem;line-height:1.45}
.ins-src a.s span{font:700 .58rem/1 var(--mono);letter-spacing:.1em;text-transform:uppercase;color:#2F7350;background:#E5F2EA;padding:6px 8px;border-radius:999px;white-space:nowrap}
.ins-note{margin-top:18px;font-size:.88rem;color:var(--soft);line-height:1.6;max-width:72ch}

/* ---------- FAQ ---------- */
.ins-faq details{background:#fff;border:1px solid var(--line);border-radius:16px;margin-bottom:10px;transition:border-color .2s;overflow:hidden}
.ins-faq details[open]{border-color:var(--line2);box-shadow:var(--sh)}
.ins-faq summary{list-style:none;cursor:pointer;padding:18px 54px 18px 20px;font-weight:600;color:var(--ink);position:relative;font-size:1.02rem}
.ins-faq summary::-webkit-details-marker{display:none}
.ins-faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);width:26px;height:26px;border-radius:50%;border:1px solid var(--line2);display:grid;place-items:center;font-weight:400;color:var(--soft);transition:transform .25s}
.ins-faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.ins-faq details p{padding:0 20px 18px;color:var(--soft);line-height:1.65}
.ins-faq summary:focus-visible{outline:2px solid var(--gold);outline-offset:-2px}

/* ---------- CTA: plan with us + ask ---------- */
.ins-cta{position:relative;overflow:hidden;border-radius:28px;background:radial-gradient(90% 120% at 90% 10%,#1B5A6B,#10304D 45%,#0B1C2E);color:#D5E3EC;padding:clamp(26px,4vw,48px);display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(22px,4vw,48px);align-items:center;box-shadow:0 40px 80px -40px rgba(11,28,46,.6)}
.ins-cta h2{font:600 clamp(1.9rem,3.4vw,2.7rem)/1.05 var(--disp);color:#fff}
.ins-cta h2 em{font-style:italic;color:var(--gold)}
.ins-cta p{color:#B5CADA;margin-top:12px;max-width:48ch}
.ins-cta ul{list-style:none;margin-top:16px;display:grid;gap:8px}
.ins-cta li{display:flex;gap:10px;font-size:.95rem;color:#D5E3EC}
.ins-cta li::before{content:"";flex:0 0 18px;height:18px;margin-top:3px;border-radius:50%;background:radial-gradient(circle,var(--gold) 0 4px,transparent 5px),rgba(226,184,104,.18)}
.ins-btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.ins-btn{display:inline-flex;align-items:center;gap:8px;text-decoration:none;font:600 .9rem var(--body);padding:13px 20px;border-radius:999px;transition:transform .2s,box-shadow .2s,background .2s;border:0;cursor:pointer}
.ins-btn.gold{background:var(--gold);color:var(--ink);box-shadow:0 10px 24px -10px rgba(226,184,104,.8)}
.ins-btn.gold:hover{transform:translateY(-2px);background:#EDC57A}
.ins-btn.line{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.35)}
.ins-btn.line:hover{background:rgba(255,255,255,.08)}
.ins-btn.ink{background:var(--ink);color:#fff}
.ins-btn:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.ins-cta .fine{font-size:.78rem;color:#8FA9B9;margin-top:14px}
@media(max-width:860px){.ins-cta{grid-template-columns:1fr}}
/* ask box restyle (sj-ask.js binds .ask / .ask-input / .ask-btn / .chip) */
.ins-cta .ask{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:20px}
.ins-cta .ask h3{font:600 1.35rem/1.2 var(--disp);color:#fff}
.ins-cta .ask .sub{font-size:.88rem;color:#A9C2D0;margin:6px 0 12px}
.ins-cta .ask-field{display:flex;gap:8px}
.ins-cta .ask-input{flex:1;min-width:0;font:400 .95rem var(--body);padding:12px 14px;border-radius:12px;border:1px solid rgba(255,255,255,.22);background:rgba(8,19,31,.5);color:#fff}
.ins-cta .ask-input::placeholder{color:#7F98A9}
.ins-cta .ask-btn{font:600 .86rem var(--body);padding:0 16px;border-radius:12px;border:0;background:var(--gold);color:var(--ink);cursor:pointer;white-space:nowrap}
.ins-cta .chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:12px}
.ins-cta .chip{font-size:.8rem;padding:7px 11px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#D5E3EC}
.ins-cta .chip:hover{background:rgba(255,255,255,.16)}
.ins-cta .ask-flag{font-size:.74rem;color:#7F98A9;margin-top:12px;line-height:1.5}
.ins-cta .ask-result,.ins-cta .ask .sjask-card{color:var(--text)}
@media(max-width:520px){.ins-cta .ask-field{flex-direction:column}.ins-cta .ask-btn{padding:12px}}

/* partner (affiliate) slot — hidden until a link exists in sj-ins-config.js */
.ins-partner{display:none;margin-top:14px;padding:14px 16px;border-radius:16px;border:1px dashed rgba(226,184,104,.55);background:rgba(226,184,104,.08)}
.ins-partner.live{display:block}
.ins-partner .row{display:flex;flex-wrap:wrap;gap:10px;align-items:center;justify-content:space-between}
.ins-partner b{color:inherit;font-weight:600}
.ins-partner small{display:block;font-size:.74rem;opacity:.8;margin-top:6px;line-height:1.45}
.ins-light .ins-partner{border-color:var(--gold2);background:#FFF8EA;color:var(--text)}

/* ---------- related ---------- */
.ins-rel{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px}
.ins-rel a{display:flex;flex-direction:column;gap:6px;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh);transition:transform .25s,border-color .25s}
.ins-rel a:hover{transform:translateY(-3px);border-color:var(--teal2)}
.ins-rel .k{font:700 .58rem/1 var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold2)}
.ins-rel b{font:600 1.2rem/1.2 var(--disp);color:var(--ink)}
.ins-rel span.d{font-size:.88rem;color:var(--soft);line-height:1.5}

/* ---------- author ---------- */
.ins-author{display:grid;grid-template-columns:64px 1fr;gap:18px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.ins-author .av{width:64px;height:64px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(140deg,var(--teal),var(--ink));color:var(--gold);font:600 1.4rem var(--disp)}
.ins-author b{font-weight:600;color:var(--ink)}
.ins-author p{font-size:.92rem;color:var(--soft);margin-top:6px}

/* ---------- disclosure + footer ---------- */
.ins-disc{background:var(--paper2);border-top:1px solid var(--line);padding:26px 0;font-size:.84rem;color:var(--soft);line-height:1.6}
.ins-disc b{color:var(--ink)}
.site-footer{background:#0A1E33;color:#9FB8CD;font-size:.88rem;font-weight:300;line-height:1.65}
.site-footer .wrap{width:min(1160px,92%);margin:0 auto}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:2.5rem;padding:3.5rem 0 2.5rem;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-grid h4{font-family:var(--disp);font-weight:500;color:#fff;font-size:1.05rem;margin-bottom:.9rem;letter-spacing:.04em}
.foot-grid p{max-width:40ch}
.foot-grid ul{list-style:none}
.foot-grid li{margin-bottom:.5rem}
.foot-grid a{color:#9FB8CD;text-decoration:none}
.foot-grid a:hover{color:#fff}
.foot-legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.8rem;padding:1.4rem 0;font-size:.76rem;color:#6C8AA3}
.foot-brand{display:flex;align-items:center;gap:.6rem;margin-bottom:1rem}
.foot-brand img{height:34px;width:auto}
.foot-brand span{font-family:var(--disp);font-weight:600;font-size:1.15rem;color:#fff}
.social-icons{display:flex;gap:.7rem}
.social-icons a{display:inline-flex;align-items:center;justify-content:center;width:2.4rem;height:2.4rem;border:1px solid rgba(255,255,255,.25);border-radius:50%;color:rgba(255,255,255,.75)}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr;gap:1.8rem}}

/* ---------- reveal ---------- */
@media (prefers-reduced-motion:no-preference){
  .rv{opacity:0;transform:translateY(18px);transition:opacity .8s ease,transform .8s cubic-bezier(.2,.8,.2,1)}
  .rv.in{opacity:1;transform:none}
}
@media print{.sjh,.ins-toc,.ins-prog,.ins-cta,.site-footer,.ins-hero canvas{display:none!important}.ins-hero{background:#fff;color:#000}.rv{opacity:1!important;transform:none!important}}
.ins-tblw .ins-tbl{min-width:680px}

/* one-stop band */
.ins-one{padding:clamp(56px,7vw,90px) 0;background:radial-gradient(90% 120% at 10% 0%,#14505F,#0E2B44 50%,#0B1C2E);color:#C9DAE5}
.ins-one-h{max-width:720px;margin-bottom:28px}
.ins-one-h h2{font:600 clamp(1.9rem,3.6vw,2.8rem)/1.05 var(--disp);color:#fff;margin-top:12px}
.ins-one-h h2 em{font-style:italic;color:var(--gold)}
.ins-one-h p{margin-top:12px;font-size:1.06rem;color:#B5CADA}
.ins-one-g{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.ins-one-c{position:relative;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:#C9DAE5;padding:24px 22px 22px;border-radius:20px;background:linear-gradient(160deg,rgba(255,255,255,.1),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.16);transition:transform .25s,border-color .25s,background .25s}
.ins-one-c:hover{transform:translateY(-4px);border-color:rgba(226,184,104,.6);background:linear-gradient(160deg,rgba(255,255,255,.14),rgba(255,255,255,.05))}
.ins-one-c .n{font:700 .7rem/1 var(--mono);color:var(--gold);letter-spacing:.14em}
.ins-one-c b{font:600 1.5rem/1.15 var(--disp);color:#fff}
.ins-one-c span:not(.n){font-size:.95rem;line-height:1.55}
.ins-one-c em{margin-top:auto;padding-top:10px;font-style:normal;font-weight:600;color:var(--gold);font-size:.92rem}
.ins-one-c:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
@media(max-width:860px){.ins-one-g{grid-template-columns:1fr}}
.ins-bars{overflow:hidden}@media(max-width:640px){.ins-scale{margin-right:18px}}
@media(max-width:860px){.ins-tl{grid-template-columns:1fr!important}}