:root {
  --navy: #1B2E4B;
  --navy-deep: #0E1B2E;
  --navy-soft: #243A5C;
  --teal: #59c0ab;
  --teal-dark: #006B60;
  --teal-light: #2AAFA1;
  --teal-pale: #E6F4F2;
  --gold: #C8922A;
  --gold-light: #E0AE49;
  --gold-pale: #FBF1DC;
  --offwhite: #F8F9FA;
  --warm: #FAF7F2;
  --warm-deep: #F4EFE5;
  --slate: #444444;
  --muted: #6B7785;
  --muted-soft: #9BA5B0;
  --line: #E2E7EE;
  --line-soft: #EFF2F6;
  --paper: #FFFFFF;
  --red: #DC2626;
  --green: #16A34A;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --accent: 'Playfair Display', Georgia, serif;
  --mono: 'JetBrains Mono', 'SF Mono', Consolas, monospace;
  --container: 1180px;
  --container-narrow: 760px;
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 18px;
  --r-xl: 22px;
  --shadow-sm: 0 1px 2px rgba(27, 46, 75, 0.05), 0 2px 6px rgba(27, 46, 75, 0.04);
  --shadow-md: 0 4px 14px rgba(27, 46, 75, 0.07), 0 12px 32px rgba(27, 46, 75, 0.08);
  --shadow-lg: 0 8px 24px rgba(27, 46, 75, 0.10), 0 24px 64px rgba(27, 46, 75, 0.12);
  --shadow-card: 0 16px 40px rgba(27, 46, 75, 0.10);
}


@font-face {
  font-family: 'Spartan';
  src: url('../fonts/Spartan-SemiBold.eot');
  src: url('../fonts/Spartan-SemiBold.eot?#iefix') format('embedded-opentype'), url('../fonts/Spartan-SemiBold.woff2') format('woff2'), url('../fonts/Spartan-SemiBold.woff') format('woff'), url('../fonts/Spartan-SemiBold.ttf') format('truetype');
  font-weight: 600;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Spartan';
  src: url('../fonts/Spartan-ExtraBold.eot');
  src: url('../fonts/Spartan-ExtraBold.eot?#iefix') format('embedded-opentype'), url('../fonts/Spartan-ExtraBold.woff2') format('woff2'), url('../fonts/Spartan-ExtraBold.woff') format('woff'), url('../fonts/Spartan-ExtraBold.ttf') format('truetype');
  font-weight: bold;
  font-style: normal;
  font-display: swap;
}
@font-face {
  font-family: 'Spartan';
  src: url('../fonts/Spartan-Black.eot');
  src: url('../fonts/Spartan-Black.eot?#iefix') format('embedded-opentype'), url('../fonts/Spartan-Black.woff2') format('woff2'), url('../fonts/Spartan-Black.woff') format('woff'), url('../fonts/Spartan-Black.ttf') format('truetype');
  font-weight: 900;
  font-style: normal;
  font-display: swap;
}

/* ════════════════════════════════════════════════════════

   ════════════════════════════════════════════════════════

                    [1] BLOG INDEX PAGE

   ════════════════════════════════════════════════════════

   ════════════════════════════════════════════════════════ */
.blog-index {
  background: var(--offwhite);
}
/* Hero */
.bi-hero {
  background: var(--navy);
  background-image:
    radial-gradient(ellipse 1000px 500px at 100% 0%, rgba(0, 137, 123, 0.18), transparent 60%), radial-gradient(ellipse 700px 400px at 0% 100%, rgba(200, 146, 42, 0.10), transparent 60%);
  color: white;
/*  padding: 88px 28px 80px;*/
  position: relative;
  overflow: hidden;
	padding-bottom: 120px;
}
.bi-hero::before {
  content: '';
  position: absolute;
  top: -40px;
  right: -60px;
  width: 480px;
  height: 480px;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160' viewBox='0 0 160 160'><path d='M30 100 L80 50 L130 100 V140 H30 V100 Z M30 140 H130' fill='none' stroke='%2300897B' stroke-width='1.4' opacity='0.18'/></svg>");
  background-size: 160px 160px;
  background-repeat: repeat;
  pointer-events: none;
  transform: rotate(-3deg);
  opacity: 0.55;
}
.bi-hero-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 72px;
  align-items: center;
}
.bi-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 14px 7px 12px;
  background: rgba(0, 137, 123, 0.18);
  border: 1px solid rgba(0, 137, 123, 0.30);
  border-radius: 999px;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 1.6px;
  color: var(--teal-light);
  text-transform: uppercase;
  margin-bottom: 22px;
}
.bi-eyebrow .dot {
  width: 7px;
  height: 7px;
  background: var(--teal-light);
  border-radius: 50%;
  animation: pulse 2.4s infinite;
}
@keyframes pulse {
  0% {
    box-shadow: 0 0 0 0 rgba(42, 175, 161, 0.6);
  }
  70% {
    box-shadow: 0 0 0 8px rgba(42, 175, 161, 0);
  }
}
.bi-hero h1 {

  font-size: clamp(40px, 5.6vw, 72px);
 
  line-height: 0.95;
  letter-spacing: -2.4px;
  color: white;
  margin-bottom: 22px;
}
.bi-hero h1 .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal-light);
  letter-spacing: -1.6px;
  display: block;
  margin-top: 6px;
}
.bi-hero-lead {
  font-size: 17.5px;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.55;
  max-width: 460px;
}
/* Featured stat / pull-out in hero right */
.bi-hero-pullout {
  position: relative;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.10);
  border-radius: var(--r-xl);
  padding: 32px;
  backdrop-filter: blur(10px);
}
.bi-hero-pullout-eyebrow {
    font-size: 12px;
    font-weight: 400;
    letter-spacing: 2px;
    color: #2aafa1;
    text-transform: uppercase;
    margin-bottom: 18px;
}
.bi-hero-pullout-quote {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  font-size: 22px;
  line-height: 1.35;
  color: white;
  letter-spacing: -0.4px;
  margin-bottom: 18px;
}
.bi-hero-pullout-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.bi-hero-pullout-avatar {
  width: 36px;
  height: 36px;
  background: rgba(0, 137, 123, 0.30);
  border: 1px solid rgba(0, 137, 123, 0.50);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 800;
  color: var(--teal-light);
  letter-spacing: 0.5px;
}
.bi-hero-pullout-meta {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.62);
  line-height: 1.4;
}
.bi-hero-pullout-meta strong {
  color: white;
  font-weight: 600;
  display: block;
}
/* Featured article */
.bi-featured {
  margin: -56px auto 0;
  
  position: relative;
  z-index: 3;
}
.bi-featured-card {
  background: white;
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  align-items: stretch;
}
.bi-featured-img {
  min-height: 380px;
  overflow: hidden;
  background-size: cover;
  position: relative;
}
.bi-featured-img-tag {
    position: absolute;
    top: 24px;
    left: 24px;
    background: #59c0ab;
    color: white;
    font-size: 12px;
    font-weight: 500;
    letter-spacing: 1.4px;
    padding: 6px 18px;
    border-radius: 999px;
    text-transform: uppercase;
    box-shadow: 0 4px 12px rgba(200, 146, 42, 0.30);
}
.bi-featured-text {
  padding: 44px 48px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.bi-featured-cat {
  display: inline-block;
  font-family: var(--sans);
  font-size: 13px; 
  letter-spacing: 3.25px;
  color: var(--teal);
  text-transform: uppercase;
  margin-bottom: 16px;
}
.bi-featured-title {
    /* font-family: var(--sans); */
    font-size: 28px;
/*    font-weight: 800;*/
    letter-spacing: -1px;
    line-height: 35px;
    color: var(--navy);
    margin-bottom: 16px;
}
.bi-featured-title .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal);
}
.bi-featured-excerpt {
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate);
  margin-bottom: 22px;
}
.bi-featured-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 22px;
}
.bi-featured-meta strong {
  color: var(--navy);
  font-weight: 600;
}
.bi-featured-meta-dot {
  width: 3px;
  height: 3px;
  border-radius: 50%;
  background: var(--line);
}
.bi-featured-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--sans);
    font-size: 15px;
    font-weight: 700;
    color: var(--teal);
    letter-spacing: -0.1px;
    text-decoration: none;
}
.bi-featured-link:hover{
	 color: var(--teal);
}
.bi-featured-link .arrow {
  transition: transform .15s ease;
}
.bi-featured-link:hover .arrow {
  transform: translateX(3px);
}
/* Category filters */
.bi-categories {
/*
  margin: 80px auto 0;
  padding: 0 28px;
*/
}
.bi-categories-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 28px;
  flex-wrap: wrap;
  gap: 12px;
}
.bi-categories-title {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 2px;
  color: var(--navy);
  text-transform: uppercase;
}
.bi-categories-meta {
  font-size: 13px;
  color: var(--muted);
  font-weight: 500;
}
.bi-categories-meta strong {
  color: var(--navy);
  font-weight: 700;
}
.bi-cat-pills {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.bi-cat-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 9px 18px;
    background: white;
    border: 1.5px solid var(--line);
    border-radius: 999px;
    font-family: var(--sans);
    font-size: 13.5px;
    font-weight: 600;
    color: var(--slate);
    cursor: pointer;
    transition: all .15s ease;
    text-decoration: none;
}
.bi-cat-pill:hover {
  border-color: var(--teal);
  color: var(--navy);
}
.bi-cat-pill.active {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}
.bi-cat-pill .count {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--muted);
  background: var(--offwhite);
  padding: 2px 7px;
  border-radius: 999px;
}
.bi-cat-pill.active .count {
  background: rgba(255, 255, 255, 0.15);
  color: rgba(255, 255, 255, 0.78);
}
/* Article grid */
.bi-grid-section {
  margin: 32px auto 0;
/*  padding: 0 28px 96px;*/
}
.bi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px 28px;
}
.bi-card {
  display: flex;
  flex-direction: column;
  transition: transform .25s ease;
}
.bi-card:hover {
  transform: translateY(-4px);
}
.bi-card-img {
  aspect-ratio: 4 / 3;
  border-radius: var(--r-md);
  overflow: hidden;
  position: relative;
  margin-bottom: 18px;
  box-shadow: var(--shadow-sm);
  background-size: cover;
}
.bi-card-img-1 {
  background: linear-gradient(135deg, #00897B 0%, #1B2E4B 100%);
}
.bi-card-img-2 {
  background: linear-gradient(135deg, #C8922A 0%, #243A5C 100%);
}
.bi-card-img-3 {
  background: linear-gradient(135deg, #2AAFA1 0%, #00897B 100%);
}
.bi-card-img-4 {
  background: linear-gradient(135deg, #1B2E4B 0%, #0E1B2E 100%);
}
.bi-card-img-5 {
  background: linear-gradient(135deg, #006B60 0%, #1B2E4B 100%);
}
.bi-card-img-6 {
  background: linear-gradient(135deg, #E0AE49 0%, #C8922A 100%);
}
.bi-card-cat {
  position: absolute;
  bottom: 14px;
  left: 14px;
  padding: 5px 11px;
  background: rgba(255, 255, 255, 0.95);
  font-family: var(--sans);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 1.2px;
  color: var(--navy);
  text-transform: uppercase;
  border-radius: 999px;
  backdrop-filter: blur(10px);
}
.bi-card-title {
    /* font-family: var(--sans); */
    font-size: 22px;
    font-weight: 700;
    letter-spacing: -0.5px;
    line-height: 28px;
    color: var(--navy);
    margin-bottom: 10px;
}
.bi-card-excerpt {
  font-size: 16px;
  line-height: 1.55;
  color: var(--slate);
  margin-bottom: 14px;
}
.bi-card-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--muted);
  margin-top: auto;
}
.bi-card-meta strong {
  color: var(--navy);
  font-weight: 500;
}
/* Newsletter signup module */
.bi-newsletter {
  background: #e8f6f2;

  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.bi-newsletter-inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.bi-newsletter-eyebrow {
  display: inline-block;
  font-family: var(--sans);

  margin-bottom: 14px;
	color: #59c0ab;
  
    font-weight: 400;
    font-size: 15px;
    text-transform: uppercase;
    letter-spacing: 3.25px;
}
.bi-newsletter h3 {
    font-size: 42px;
    letter-spacing: -0.8px;
    color: var(--navy);
    margin-bottom: 12px;
    line-height: 1.15;
}
.bi-newsletter h3 .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal);
}
.bi-newsletter p {

  margin-bottom: 28px;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}
.bi-newsletter-form {
  display: flex;
  gap: 8px;
  max-width: 460px;
  margin: 0 auto;
}
.bi-newsletter-input {
  flex: 1;
  padding: 14px 16px;
  font-size: 14.5px;
  font-family: var(--sans);
  border: 1.5px solid var(--line);
  border-radius: var(--r-md);
  background: white;
  color: var(--navy);
  transition: all .15s;
}
.bi-newsletter-input:focus {
  outline: none;
  border-color: var(--teal);
  box-shadow: 0 0 0 4px var(--teal-pale);
}
.bi-newsletter-btn {
  padding: 14px 22px;
  background: var(--teal);
  color: white;
  border-radius: var(--r-md);
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 700;
  white-space: nowrap;
  transition: all .15s;
}
.bi-newsletter-btn:hover {
  background: var(--teal-dark);
}
.bi-newsletter-fineprint {
  font-size: 14px;
  
  margin-top: 0px;
}
/* ════════════════════════════════════════════════════════

   ════════════════════════════════════════════════════════

                    [2] ARTICLE PAGE

   ════════════════════════════════════════════════════════

   ════════════════════════════════════════════════════════ */
.article-page {
  background: white;
}
/* Article header */
.art-header {
/*  padding: 64px 28px 48px;*/
  background: #09123d;
  border-bottom: 1px solid var(--line);
}
.art-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 28px;
  font-weight: 400;
}
.art-breadcrumb a:hover {
  color: var(--teal);
}
.art-breadcrumb .sep {
  color: var(--line);
}
.art-breadcrumb .current {
  color: #fff;
 
}
.art-cat {
    display: inline-block;
    font-family: var(--sans);
    font-size: 14px;
    font-weight: 400;
    letter-spacing: 1.8px;
    color: var(--teal);
    text-transform: uppercase;
    margin-bottom: 20px;
}
.art-title {
/*
  font-family: var(--sans);
  font-size: clamp(34px, 4.4vw, 52px);
  font-weight: 800;
*/
 
  letter-spacing: -1.6px;
  color: #fff;
  margin-bottom: 22px;
}
.art-title .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal);
  letter-spacing: -1px;
}
.art-deck {
  font-family: var(--accent);
  font-size: 22px;
  font-style: italic;
  font-weight: 400;
  line-height: 1.4;
  color: #fff;
  letter-spacing: -0.2px;
  margin-bottom: 0px;
  max-width: 640px;
}
.art-byline {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
  padding: 22px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.art-byline-author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.art-byline-avatar {
  width: 44px;
  height: 44px;
  background: var(--teal-pale);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 800;
  color: var(--teal-dark);
  letter-spacing: 0.4px;
}
.art-byline-info {
  font-size: 14px;
  line-height: 1.4;
}
.art-byline-info strong {
  color: var(--navy);
  font-weight: 700;
  font-size: 14.5px;
  display: block;
}
.art-byline-info span {
  color: var(--muted);
  font-size: 12.5px;
}
.art-byline-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 13px;
  color: var(--muted);
  margin-left: auto;
  flex-wrap: wrap;
}
.art-byline-meta-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.art-byline-meta-item svg {
  color: var(--teal);
}
.art-byline-share {
  display: flex;
  gap: 4px;
}
.art-share-btn {
  width: 36px;
  height: 36px;
  background: white;
  border: 1px solid var(--line);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--muted);
  transition: all .15s;
}
.art-share-btn:hover {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
  transform: translateY(-1px);
}
/* Article hero image — banner format, optional per article */
.art-hero-img {
  width: 100%;
  background-size: cover;
  aspect-ratio: 3 / 1;
  max-height: 420px;
	    background-position: center;
  position: relative;
  overflow: hidden;
}
.art-hero-img-caption {
  position: absolute;
  bottom: 14px;
  right: 22px;
  font-size: 11.5px;
  color: rgba(255, 255, 255, 0.65);
  font-weight: 500;
  letter-spacing: 0.3px;
}
/* Article body layout: TOC + sticky CTA sidebar + content */
.art-body-wrap {
  margin: 64px auto;
  padding: 0px;
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 56px;
  align-items: flex-start;
}
/* Sticky sidebar wrapper (holds TOC + compare CTA) */
.art-sidebar {
  position: sticky;
  top: 96px;
  font-family: var(--sans);
  display: flex;
  flex-direction: column;
  gap: 28px;
}
/* TOC */
.art-toc {
  font-family: var(--sans);
}
.art-toc-title {
    font-size: 18px;
    font-weight: bold;
    font-family: 'Spartan';
    letter-spacing: 2px;
    color: var(--navy);
    text-transform: uppercase;
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--line);
}
.art-toc ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
    padding-left: 0;
}
.art-toc a {
    display: block;
    font-size: 15px;
    line-height: 1.45;
    color: var(--muted);
    font-weight: 400;
    padding-left: 12px;
    border-left: 2px solid var(--line);
    transition: all .15s ease;
	text-decoration: none;
}
.art-toc a:hover {
  color: var(--navy);
  border-left-color: var(--teal);
}
.art-toc a.active {
  color: var(--navy);
  font-weight: 700;
  border-left-color: var(--teal);
}
/* Sticky compare-agents CTA in sidebar */
.art-side-cta {
  position: relative;
  background: var(--navy);
  background-image:
    radial-gradient(ellipse 200px 140px at 100% 0%, rgba(0, 137, 123, 0.30), transparent 60%), radial-gradient(ellipse 160px 100px at 0% 100%, rgba(200, 146, 42, 0.18), transparent 60%);
  border-radius: var(--r-lg);
  padding: 24px 22px 22px;
  color: white;
  overflow: hidden;
  box-shadow: 0 12px 32px rgba(27, 46, 75, 0.20);
}
.art-side-cta::before {
  content: '';
  position: absolute;
  top: -16px;
  right: -24px;
  width: 160px;
  height: 160px;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'><path d='M22 75 L60 38 L98 75 V108 H22 V75 Z M22 108 H98' fill='none' stroke='%2300897B' stroke-width='1.2' opacity='0.20'/></svg>");
  background-size: 120px 120px;
  pointer-events: none;
  transform: rotate(-3deg);
  opacity: 0.55;
}
.art-side-cta-eyebrow {
  position: relative;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 400;
  letter-spacing: 1.6px;
  color: #2aafa1;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.art-side-cta-eyebrow .dot {
  width: 5px;
  height: 5px;
  background:  #2aafa1;
  border-radius: 50%;
  animation: pulse 2.4s infinite;
}
.art-side-cta-title {
  position: relative;
  z-index: 2;
  font-family: var(--sans);
  font-size: 18px;
  font-weight: 800;
  letter-spacing: -0.4px;
  line-height: 1.15;
  color: white;
  margin-bottom: 6px;
}
.art-side-cta-title .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal-light);
  letter-spacing: -0.2px;
}
.art-side-cta-text {
  position: relative;
  z-index: 2;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.5;
  margin-bottom: 16px;
}
.art-side-cta-btn {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: 11px 16px;
  background: var(--teal);
  color: white;
  border-radius: var(--r-sm);
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: -0.1px;
  transition: all .15s ease;
  box-shadow: 0 4px 12px rgba(0, 137, 123, 0.30);
}
.art-side-cta-btn:hover {
  background: var(--teal-dark);
  transform: translateY(-1px);
}
.art-side-cta-btn .arrow {
  transition: transform .15s ease;
}
.art-side-cta-btn:hover .arrow {
  transform: translateX(2px);
}
.art-side-cta-meta {
  position: relative;
  z-index: 2;
  margin-top: 12px;
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: rgba(255, 255, 255, 0.55);
  font-weight: 500;
  line-height: 1.4;
}
.art-side-cta-meta svg {
  color: var(--teal-light);
  flex-shrink: 0;
}
/* Article body */
.art-body h2 {

  font-size: 28px;
  font-weight: 700;
  letter-spacing: -0.8px;
  line-height: 1.15;
  color: var(--navy);
  margin: 56px 0 16px;
  scroll-margin-top: 96px;
}
.art-body h2:first-child {
  margin-top: 0;
}
.art-body h3 {
  
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.4px;
  line-height: 1.25;
  color: var(--navy);
  margin: 36px 0 12px;
}
.art-body p {
  font-size: 17px;
  line-height: 25px;
  color: var(--slate);
  margin-bottom: 22px;
}
.art-body{
	  font-size: 17px;
  line-height: 25px;
}
.art-body p:first-of-type::first-letter {
  font-family: var(--accent);
  font-style: italic;
  float: left;
  font-size: 64px;
  line-height: 0.9;
  font-weight: 500;
  color: var(--teal);
  margin: 6px 12px 0 0;
}
.art-body strong {
  color: var(--navy);
  font-weight: 700;
}
.art-body a {
  color: var(--teal);
  font-weight: 600;
  text-decoration: underline;
  text-decoration-color: rgba(0, 137, 123, 0.30);
  text-decoration-thickness: 2px;
  text-underline-offset: 3px;
  transition: text-decoration-color .15s;
}
.art-body a:hover {
  text-decoration-color: var(--teal);
}
.art-body ul, .art-body ol {
  margin: 0 0 22px 24px;
  font-size: 17px;
  line-height: 1.7;
  color: var(--slate);
}
.art-body ul li, .art-body ol li {
  margin-bottom: 8px;
}
/* Pull-quote / blockquote */
.art-body blockquote {
  margin: 36px 0;
  padding: 24px 28px;
  background: #2aaf9d1a;
  border-left: 4px solid var(--teal);
  border-radius: 0 var(--r-md) var(--r-md) 0;
  font-family: var(--accent);
  font-style: italic;
  font-size: 22px;
  font-weight: 500;
  line-height: 1.45;
  color: var(--navy);
  letter-spacing: -0.3px;
}
.art-body blockquote cite {
  display: block;
  margin-top: 14px;
  font-family: var(--sans);
  font-style: normal;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  letter-spacing: 0.3px;
}
/* Inline callout box (for important notes) */
.art-callout {
  margin: 36px 0;
  padding: 24px 28px;
  background: var(--teal-pale);
  border: 1px solid rgba(0, 137, 123, 0.20);
  border-radius: var(--r-md);
  position: relative;
}
.art-callout-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.4px;
  color: var(--teal-dark);
  text-transform: uppercase;
  margin-bottom: 10px;
}
.art-callout p {
  font-size: 15px !important;
  line-height: 1.55 !important;
  color: var(--navy) !important;
  margin-bottom: 0 !important;
}
.art-callout p::first-letter {
  font-family: inherit !important;
  font-style: normal !important;
  float: none !important;
  font-size: inherit !important;
  font-weight: inherit !important;
  color: inherit !important;
  margin: 0 !important;
}
/* Article footer / author bio */
.art-footer {
  max-width: var(--container-narrow);
  margin: 80px auto 0;
  padding: 0 28px;
}
.art-author-bio {
  background: var(--warm);
  border-radius: var(--r-xl);
  padding: 32px;
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 24px;
  align-items: flex-start;
}
.art-author-bio-avatar {
  width: 80px;
  height: 80px;
  background: var(--teal-pale);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--sans);
  font-size: 24px;
  font-weight: 800;
  color: var(--teal-dark);
  letter-spacing: 0.5px;
}
.art-author-bio-eyebrow {
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 1.6px;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 6px;
}
.art-author-bio-name {
  font-family: var(--sans);
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.4px;
  color: var(--navy);
  margin-bottom: 2px;
}
.art-author-bio-role {
  font-family: var(--accent);
  font-style: italic;
  font-size: 15px;
  color: var(--teal);
  margin-bottom: 12px;
}
.art-author-bio-text {
  font-size: 14.5px;
  line-height: 1.55;
  color: var(--slate);
}
/* Tags */
.art-tags {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid var(--line);
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.art-tags-label {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.6px;
  color: var(--muted);
  text-transform: uppercase;
  margin-right: 4px;
}
.art-tag {
  display: inline-block;
  padding: 6px 14px;
  background: white;
  border: 1px solid var(--line);
  border-radius: 999px;
  font-size: 12.5px;
  color: var(--slate);
  font-weight: 500;
  transition: all .15s;
}
.art-tag:hover {
  border-color: var(--teal);
  color: var(--navy);
}
/* Related articles */
.art-related-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 32px;
  flex-wrap: wrap;
  gap: 12px;
}
.art-related-eyebrow {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 400;
  letter-spacing: 2px;
  color: #2aafa1;
  text-transform: uppercase;
}
.art-related-title {
/*  font-family: var(--sans);*/
  font-size: 28px;
  font-weight: 700;
  letter-spacing: -0.6px;
  color: var(--navy);
}
.art-related-title .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal);
}
.art-related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
/* Question cards */
.question-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  margin-top: 16px;
}
.question-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  padding: 14px 16px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.q-mark {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--teal-light);
  border: 1px solid var(--teal-border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
  font-size: 12px;
  font-weight: 700;
  color: var(--green-dark);
}
.q-text {
  font-size: 17px;
  color: var(--body);
  line-height: 1.55;
}
/* Comparison table */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 16px;
  font-size: 14px;
}
.compare-table th {
  background: var(--navy);
  color: #fff;
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
  font-size: 13px;
}
.compare-table th:first-child {
  border-radius: 8px 0 0 0;
}
.compare-table th:last-child {
  border-radius: 0 8px 0 0;
}
.compare-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--body);
  line-height: 1.55;
  vertical-align: top;
}
.compare-table tr:last-child td {
  border-bottom: none;
}
.compare-table tr:nth-child(even) td {
  background: #f8fafc;
}
.compare-table td:first-child {
  font-weight: 600;
  color: var(--navy);
  white-space: nowrap;
}
/* Red flag list */
.flag-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 16px;
}
.flag-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: #2aaf9d1a;
  border: 1px solid #59c0ab;
  border-radius: 10px;
  padding: 12px 16px;
}
.flag-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #59c0ab;
  flex-shrink: 0;
  margin-top: 5px;
}
.flag-text {
  font-size: 17px;
  color: var(--body);
  line-height: 1.55;
}
.state-compare {
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  overflow: hidden;
  margin-top: 14px;
  max-width: 60%;
}
.state-row {
  display: flex;
  align-items: stretch;
  border-bottom: 1px solid var(--border);
}
.state-row:last-child {
  border-bottom: none;
}
.state-name {
  flex: 0 0 140px;
  padding: 11px 14px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy);
  background: #f8fafc;
  border-right: 1px solid var(--border);
  display: flex;
  align-items: center;
}
.state-detail {
  flex: 1;
  padding: 11px 14px;
  font-size: 14px;
  color: var(--body);
  line-height: 1.5;
  display: flex;
  align-items: center;
}
.state-badge {
  display: inline-block;
  font-size: 10.5px;
  font-weight: 600;
  padding: 2px 7px;
  border-radius: 8px;
  margin-right: 7px;
  flex-shrink: 0;
}
.badge-none {
  background: #fee2e2;
  color: #991b1b;
}
.badge-yes {
  background: var(--teal-light);
  color: var(--green-dark);
}
.means-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 14px;
}
.means-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: #fff;
  border: 1px solid #e2e8f0;
  border-radius: 9px;
  padding: 12px 14px;
}
.means-icon {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--teal-light);
  border: 1px solid var(--teal-border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.means-title {
  font-size: 17px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 3px;
}
.means-body {
  font-size: 17px;
  color: var(--muted);
  line-height: 1.55;
}
.protect-steps {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 14px;
}
.protect-step {
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.protect-num {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.protect-title {
  font-size: 17px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 3px;
}
.protect-body {
  font-size: 17px;
  color: var(--body);
  line-height: 1.6;
  font-weight: 400 !important;
}
/* ════════════════════════════════════════════════════════

   ════════════════════════════════════════════════════════

                    [3] CATEGORY PAGE

   ════════════════════════════════════════════════════════

   ════════════════════════════════════════════════════════ */
.category-page {
  background: var(--offwhite);
}
.cat-hero {
  background: var(--navy);
  background-image:
    radial-gradient(ellipse 800px 400px at 0% 50%, rgba(0, 137, 123, 0.20), transparent 60%);
  color: white;
/*  padding: 72px 28px 64px;*/
  position: relative;
  overflow: hidden;
}
.cat-hero::before {
  content: '';
  position: absolute;
  top: 50%;
  right: -40px;
  transform: translateY(-50%);
  width: 360px;
  height: 360px;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160' viewBox='0 0 160 160'><path d='M30 100 L80 50 L130 100 V140 H30 V100 Z M30 140 H130' fill='none' stroke='%2300897B' stroke-width='1.4' opacity='0.16'/></svg>");
  background-size: 160px 160px;
  pointer-events: none;
  opacity: 0.6;
}
.cat-hero-inner {
  margin: 0 auto;
  position: relative;
  z-index: 2;
}
.cat-hero-breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.55);
    font-weight: 400;
    margin-bottom: 24px;
}
.cat-hero-breadcrumb a:hover {
  color: white;
}
.cat-hero-breadcrumb .sep {
  color: rgba(255, 255, 255, 0.20);
}
.cat-hero-breadcrumb .current {
  color: white;

}


.cat-hero-breadcrumb a {
    color: var(--teal);
    text-decoration: none;
}
.cat-hero-eyebrow {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 2px;
  color: var(--teal-light);
  text-transform: uppercase;
  margin-bottom: 16px;
}
.cat-hero-title {
  font-family: var(--sans);
  font-size: clamp(40px, 5vw, 60px);
  font-weight: 800;
  letter-spacing: -1.8px;
  line-height: 1.0;
  color: white;
  margin-bottom: 20px;
}
.cat-hero-title .it {
  font-family: var(--accent);
  font-style: italic;
  font-weight: 500;
  color: var(--teal-light);
}
.cat-hero-desc {
  font-size: 16.5px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.75);
  max-width: 580px;
  margin-bottom: 24px;
}
.cat-hero-stats {
  display: flex;
  gap: 32px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
  font-weight: 500;
}
.cat-hero-stats strong {
  color: white;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
/* Category sub-nav (other categories below the hero) */
.cat-subnav {
  background: white;
  border-bottom: 1px solid var(--line);
  padding: 16px 28px;
  position: sticky;
  top: 72px;
  z-index: 50;
}
.cat-subnav-inner {
  margin: 0 auto;
  display: flex;
  gap: 8px;
  overflow-x: auto;
  scrollbar-width: none;
}
.cat-subnav-inner::-webkit-scrollbar {
  display: none;
}
.cat-subnav-pill {
  padding: 8px 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--muted);
  border-radius: 999px;
  white-space: nowrap;
  transition: all .15s;
	text-decoration: none;
}
.cat-subnav-pill:hover {
  color: var(--navy);
  background: var(--offwhite);
}
.cat-subnav-pill.active {
  background: var(--navy);
  color: white;
}
/* Category grid */
.cat-grid-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 32px;
  flex-wrap: wrap;
  gap: 12px;
}
.cat-grid-title {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 2px;
  color: var(--navy);
  text-transform: uppercase;
}
.cat-sort {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--muted);
}
.cat-sort select {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  background: white;
  border: 1.5px solid var(--line);
  border-radius: var(--r-sm);
  padding: 6px 28px 6px 10px;
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'><path d='M1 1L5 5L9 1' stroke='%23444' stroke-width='1.5' fill='none' stroke-linecap='round'/></svg>");
  background-repeat: no-repeat;
  background-position: right 10px center;
}
.cat-sort select:focus {
  outline: none;
  border-color: var(--teal);
}
.cat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px 28px;
  
}
/* Pagination */
.pagination {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding-top: 32px;
  border-top: 1px solid var(--line);
}
.page-btn {
  min-width: 40px;
  height: 40px;
  padding: 0 12px;
  background: white;
  border: 1.5px solid var(--line);
  border-radius: var(--r-sm);
  font-family: var(--sans);
  font-size: 13.5px;
  font-weight: 600;
  color: var(--slate);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: all .15s;
}
.page-btn:hover {
  border-color: var(--teal);
  color: var(--navy);
}
.page-btn.active {
  background: var(--navy);
  color: white;
  border-color: var(--navy);
}
.page-btn.disabled {
  opacity: 0.4;
  pointer-events: none;
}
.page-ellipsis {
  color: var(--muted);
  padding: 0 4px;
}
article.bi-card img {
    max-width: 100%;
    width: 100%;
    border-radius: var(--r-md);
    height: 100%;
    object-fit: cover;
}
.bi-card a{
	text-decoration: none;
}

#gform_fields_8 #gform_submit_button_8 {
    background: var(--teal);
    color: var(--white);
    border-radius: 8px;
    /* font-weight: 600; */
    font-size: 16px;
    text-decoration: none;
    transition: background .2s, transform .2s;
    min-width: 170px;
    width: 100%;
}

#gform_fields_8 input {
    height: 52px;
    padding: 0 14px 0 20px;
    font-size: 15px;
    font-family: var(--sans);
    border: 1.5px solid var(--line);
    border-radius: 8px;
    background: #fff;
    color: var(--navy);
    transition: all .15s ease;
}
div#validation_message_8_1 {
    display: none;
}
.art-breadcrumb a{
	color:var(--teal);
	text-decoration: none;
}
.category  .bi-card-title {
    margin-top: 25px;
}
@media (min-width: 320px) and (max-width: 567.99px) {
	.bi-grid {
 
    grid-template-columns: repeat(1, 1fr);
    gap: 20px 20px;
}
	#gform_fields_8 #gform_submit_button_8 {

    min-width: 123px;
    
}
	#gform_fields_8 #field_8_1 {
    grid-column: span 7 !important;
}
		.cat-grid {
    grid-template-columns: repeat(1, 1fr) !important;
    gap: 15px 15px;
}
}
@media (min-width: 568px) and (max-width: 767.99px) {
	.bi-grid {
 
    grid-template-columns: repeat(2, 1fr);
    gap: 20px 20px;
}

}

@media (min-width: 320px) and (max-width: 767.99px) {
	.bi-hero-inner {
    grid-template-columns: 1fr !important;
    gap: 10px;
}
	.bi-featured-card {
     grid-template-columns: 1fr !important;
  
}
		.cat-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 15px 15px;
}
	.bi-featured-text {
    padding: 30px 25px;
}
	.bi-featured {
    margin: 50px auto 0;
 
}
	.bi-newsletter h3 {
    font-size: 32px;

}
	.bi-featured-title {
 
    font-size: 26px;

}
	.bi-hero {
	padding-bottom: 50px;
}
	.art-sidebar {
    position: unset;

}
	.art-body-wrap {
    grid-template-columns: 1fr !important;
    gap: 35px;
   
}
	.art-related-grid {
    
    grid-template-columns:  1fr !important;
    gap: 15px;
}
	.art-breadcrumb {
    flex-wrap: wrap;
}
	.art-body h2 {
    font-size: 25px;
  
}
	.state-compare {

    max-width: 100%;
}
}
@media (min-width: 768px) and (max-width: 991.99px) {
	.art-sidebar {
    position: unset;

}
	.art-body-wrap {
    grid-template-columns: 1fr !important;
    gap: 35px;
   
}
.bi-featured-text {
    padding: 30px 19px;

}
	.bi-newsletter h3 {
    font-size: 38px;
 
}
	.bi-featured-title {
    font-size: 24px;
    line-height: 32px;
    
}
	.bi-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 25px 25px;
}
	.bi-featured {
    margin: -15px auto 0;

}
	.bi-hero-pullout {
 
    padding: 20px;
  
}
		.bi-hero {
	padding-bottom: 50px;
}
		.cat-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 15px 15px;
}
		.state-compare {

    max-width: 100%;
}
	.art-related-grid {
  
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 15px;
}
}
@media (min-width: 992px) and (max-width: 1199.99px) {
			.state-compare {

    max-width: 100%;
}
}