/* Mr Krishna Boddu: site styles. No web fonts or third-party files, so no cookies or tracking. */
:root {
  --navy: #12304d;
  --navy-2: #1d4468;
  --teal: #0a6566;
  --teal-dark: #084f50;
  --sand: #f6f2eb;
  --sand-2: #efe8dc;
  --ink: #1b2631;
  --muted: #4e5a66;
  --line: #dcd5c9;
  --white: #fff;
  --radius: 14px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); font-size: 1.125rem; line-height: 1.65; color: var(--ink); background: var(--white); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-underline-offset: 3px; }
a:hover { color: var(--teal-dark); }
:focus-visible { outline: 3px solid #f2b705; outline-offset: 2px; }
h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.2; font-weight: 600; }
h1 { font-size: clamp(2rem, 4.5vw, 2.9rem); margin: 0 0 .6rem; }
h2 { font-size: clamp(1.45rem, 3vw, 1.85rem); margin: 2.2rem 0 .7rem; }
h3 { font-size: 1.2rem; margin: 0 0 .4rem; }
p, ul, ol { margin: 0 0 1rem; }
li { margin-bottom: .35rem; }
.small { font-size: .95rem; color: var(--muted); }
.wrap { max-width: 1140px; margin: 0 auto; padding: 0 1.25rem; }
.narrow { max-width: 800px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--white); padding: .5rem 1rem; z-index: 10; }
.skip:focus { left: 1rem; }
mark.todo { background: #fff0a0; color: #5a4300; padding: 0 .2em; border-radius: 3px; font-weight: 600; }
.preview-banner { background: #fff0a0; color: #5a4300; text-align: center; font-size: .9rem; padding: .35rem 1rem; font-weight: 600; }

/* Buttons */
.btn { display: inline-block; background: var(--teal); color: var(--white); text-decoration: none; font-weight: 600; padding: .8rem 1.3rem; border-radius: 999px; border: 2px solid var(--teal); line-height: 1.2; }
.btn:hover { background: var(--teal-dark); border-color: var(--teal-dark); color: var(--white); }
.btn-small { padding: .55rem 1rem; font-size: .95rem; }
.btn-outline { background: transparent; color: var(--teal); }
.btn-outline:hover { background: var(--teal); color: var(--white); }
.btn-light { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn-light:hover { background: var(--sand); color: var(--navy); border-color: var(--sand); }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.8); }
.btn-outline-light:hover { background: rgba(255,255,255,.12); color: var(--white); }
.cta-row { display: flex; flex-wrap: wrap; gap: .75rem; margin: 1.4rem 0; }

/* Header */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 76px; }
.brand { text-decoration: none; display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font-family: var(--serif); font-size: 1.35rem; color: var(--navy); font-weight: 600; }
.brand-sub { font-size: .85rem; color: var(--muted); }
.main-nav { display: flex; align-items: center; gap: 1.1rem; }
.main-nav a:not(.btn) { color: var(--ink); text-decoration: none; font-size: 1rem; }
.main-nav a:not(.btn):hover { color: var(--teal); text-decoration: underline; }
.mobile-nav { display: none; border: 0; padding: 0; margin: 0; }
.mobile-nav summary { cursor: pointer; list-style: none; border: 2px solid var(--navy); color: var(--navy); border-radius: 999px; padding: .35rem 1rem; font-weight: 600; }
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav nav { position: absolute; right: 1.25rem; left: 1.25rem; top: 70px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 12px 30px rgba(18,48,77,.15); padding: .5rem; display: flex; flex-direction: column; }
.mobile-nav nav a { padding: .75rem 1rem; text-decoration: none; color: var(--ink); border-radius: 8px; }
.mobile-nav nav a:hover { background: var(--sand); }
@media (max-width: 980px) { .main-nav { display: none; } .mobile-nav { display: block; } }

/* Hero */
.hero { background: linear-gradient(180deg, var(--sand) 0%, var(--sand-2) 100%); padding: 3.2rem 0 3.5rem; }
.hero-grid { display: grid; grid-template-columns: 1.35fr 1fr; gap: 3rem; align-items: center; }
.hero h1 span { display: block; font-size: .55em; color: var(--teal-dark); margin-top: .45rem; font-weight: 600; }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .85rem; font-weight: 700; color: var(--muted); margin-bottom: .6rem; }
.lead { font-size: 1.25rem; color: var(--ink); }
.hero-photo img { border-radius: 22px; box-shadow: 0 18px 40px rgba(18,48,77,.18); width: 100%; max-width: 400px; margin-left: auto; }
.trust { list-style: none; padding: 0; margin: 1.6rem 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: .8rem; }
.trust li { background: var(--white); border-radius: 12px; padding: .8rem 1rem; margin: 0; border: 1px solid var(--line); font-size: .92rem; line-height: 1.35; }
.trust strong { display: block; color: var(--navy); font-size: 1.05rem; }
.trust span { color: var(--muted); }
@media (max-width: 820px) {
  .hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero { padding: 1.6rem 0 2.4rem; }
  .hero-photo { order: -1; }
  .hero-photo img { max-width: 132px; margin: 0; border-radius: 14px; box-shadow: 0 8px 20px rgba(18,48,77,.16); }
  .trust { grid-template-columns: 1fr; }
}

/* Sections and cards */
.intro { padding: 2.6rem 0 .4rem; font-size: 1.2rem; }
.section { padding: 2.4rem 0 3rem; }
.section.alt { background: var(--sand); }
.section h2 { margin-top: 0; }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 1rem; }
.card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem 1.25rem; text-decoration: none; color: var(--ink); transition: box-shadow .15s, transform .15s; }
.card:hover { box-shadow: 0 10px 24px rgba(18,48,77,.12); transform: translateY(-2px); color: var(--ink); }
.card p { font-size: 1rem; color: var(--muted); flex: 1; }
.card .more { color: var(--teal); font-weight: 600; font-size: .95rem; }
.note { margin-top: 1.2rem; color: var(--muted); font-size: 1rem; }
.points { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.5rem; }
.points div { border-top: 3px solid var(--teal); padding-top: .9rem; }
.points p { font-size: 1rem; color: var(--muted); }
.ratings { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1rem; margin: 1rem 0; }
.rating { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem; text-decoration: none; color: var(--muted); display: flex; flex-direction: column; gap: .2rem; }
.rating .score { font-family: var(--serif); font-size: 2.3rem; color: var(--navy); font-weight: 600; line-height: 1; }
.rating .score small { font-size: .45em; color: var(--muted); }
.rating:hover { box-shadow: 0 10px 24px rgba(18,48,77,.12); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; }
@media (max-width: 820px) { .two-col { grid-template-columns: 1fr; gap: 1rem; } }
.insurers { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: .5rem; }
.insurers li { background: var(--sand); border: 1px solid var(--line); border-radius: 999px; padding: .3rem .9rem; margin: 0; font-size: .95rem; }
figure { margin: 0 0 1rem; }
figure.wide img { border-radius: var(--radius); width: 100%; }

/* Content pages */
.page-head { background: linear-gradient(180deg, var(--sand) 0%, var(--sand-2) 100%); padding: 1.6rem 0 1.8rem; }
.crumbs { font-size: .9rem; color: var(--muted); margin-bottom: 1rem; }
.crumbs a { color: var(--muted); }
.content { padding: 1.5rem 1.25rem 2.5rem; }
.content::after { content: ""; display: block; clear: both; }
.content > h2:first-child, .glance + h2 { margin-top: 1.2rem; }
.portrait { float: right; width: 240px; margin: .4rem 0 1rem 1.5rem; }
.portrait img { border-radius: 16px; box-shadow: 0 10px 26px rgba(18,48,77,.16); }
@media (max-width: 640px) { .portrait { float: none; margin: 0 auto 1rem; width: 200px; } }
.glance { background: var(--white); border: 1px solid var(--line); border-left: 5px solid var(--teal); border-radius: 10px; padding: 1rem 1.25rem; margin: .5rem 0 1.5rem; }
.glance-h { font-weight: 700; color: var(--navy); margin-bottom: .4rem; }
.glance dl { margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: .6rem 1.4rem; }
.glance dt { font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); font-weight: 700; }
.glance dd { margin: 0; font-size: 1rem; }
table { width: 100%; border-collapse: collapse; margin: .5rem 0 1.2rem; font-size: 1rem; }
th, td { text-align: left; padding: .65rem .8rem; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--sand); color: var(--navy); }
.callout { background: var(--sand); border-radius: 10px; padding: 1rem 1.25rem; margin: 1.4rem 0; }
.callout.warn { background: #fdf0ec; border-left: 5px solid #b4441f; }
.callout p:last-child, .callout ul:last-child { margin-bottom: 0; }
details { border: 1px solid var(--line); border-radius: 10px; padding: .7rem 1rem; margin: .6rem 0; }
details summary { cursor: pointer; font-weight: 600; color: var(--navy); }
details[open] summary { margin-bottom: .5rem; }
.reviewed { margin-top: 2rem; padding-top: 1rem; border-top: 1px solid var(--line); font-size: .95rem; color: var(--muted); }
.sources h2, .related h2 { font-size: 1.15rem; margin: 1.6rem 0 .5rem; }
.sources ul { font-size: .9rem; color: var(--muted); padding-left: 1.2rem; }
.related ul { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: .5rem; }
.related li { margin: 0; }
.related a { display: inline-block; border: 1px solid var(--line); border-radius: 999px; padding: .35rem .9rem; text-decoration: none; font-size: .95rem; }
.related a:hover { background: var(--sand); }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin: 1rem 0 1.5rem; }
.choice { border: 1px solid var(--line); border-radius: var(--radius); padding: 1.2rem 1.3rem; background: var(--white); }
.choice h2 { margin-top: 0; font-size: 1.35rem; }
@media (max-width: 640px) { .choices { grid-template-columns: 1fr; } }

/* CTA band and footer */
.cta-band { background: var(--navy); color: var(--white); padding: 2.4rem 0; }
.cta-band h2 { color: var(--white); margin-top: 0; }
.cta-band p { color: #dfe7ef; }
.site-footer { background: #0d2238; color: #cfd9e3; font-size: .95rem; padding: 2.5rem 0 1rem; }
.site-footer a { color: #ffffff; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1.1fr 1fr 1fr; gap: 2rem; }
.footer-grid ul { list-style: none; padding: 0; }
.footer-grid li { margin-bottom: .3rem; }
.f-name { font-family: var(--serif); font-size: 1.25rem; color: var(--white); margin-bottom: .4rem; }
.f-h { font-weight: 700; color: var(--white); margin-bottom: .5rem; }
.f-links { font-size: .9rem; }
.f-small { border-top: 1px solid rgba(255,255,255,.15); margin-top: 1.5rem; padding-top: 1rem; font-size: .85rem; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

@media (prefers-reduced-motion: reduce) { .card, .card:hover { transition: none; transform: none; } }
@media print {
  .site-header { position: static; }
}