/* Life Insurance Basics Canada — calm, trustworthy guide look */
:root {
  --ink: #22312b;
  --muted: #5b6f64;
  --accent: #0f766e;
  --accent-deep: #0a4a45;
  --accent-soft: #e3efec;
  --gold: #b98a2f;
  --bg: #ffffff;
  --wash: #f3f7f5;
  --line: #dde7e2;
  --radius: 12px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.7;
}
.wrap { max-width: 840px; margin: 0 auto; padding: 0 22px; }

/* ---- sticky header ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.97);
  border-bottom: 1px solid var(--line);
  padding: 12px 0;
}
.site-header .wrap {
  display: flex; align-items: center; gap: 14px; flex-wrap: wrap;
}
.brand {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 1.15rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--ink);
  text-decoration: none;
  white-space: nowrap;
}
.brand-logo { width: 34px; height: 34px; display: block; }
.tagline { color: var(--muted); margin: 0; font-size: .9rem; }
.nav-links { margin-left: auto; display: flex; gap: 4px; flex-wrap: wrap; }
.nav-links a {
  color: var(--muted); text-decoration: none; font-size: .9rem; font-weight: 600;
  padding: 8px 12px; border-radius: 999px;
  transition: background .15s ease, color .15s ease;
}
.nav-links a:hover { background: var(--accent-soft); color: var(--accent-deep); }

/* ---- hero (image-backed) ---- */
main { padding: 0 0 56px; }
.hero {
  position: relative;
  margin: 26px 0 8px;
  border-radius: 18px;
  overflow: hidden;
  color: #fff;
  background: linear-gradient(135deg, var(--accent-deep) 0%, var(--accent) 100%);
  min-height: 380px;
  display: flex; align-items: flex-end;
}
.hero img.hero-photo {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(6,32,29,.28) 0%, rgba(6,32,29,.78) 100%);
}
.hero-copy { position: relative; z-index: 2; padding: 46px 44px 40px; max-width: 640px; }
.eyebrow {
  display: inline-block;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  background: rgba(255,255,255,.16);
  border: 1px solid rgba(255,255,255,.42);
  padding: 6px 14px;
  border-radius: 999px;
}
.hero h1 {
  font-size: clamp(1.9rem, 4.6vw, 2.9rem);
  line-height: 1.14;
  letter-spacing: -0.025em;
  margin: 16px 0 14px;
}
.hero p { color: rgba(255,255,255,.92); font-size: 1.05rem; margin: 0 0 22px; }
.cta {
  display: inline-block;
  background: #fff;
  color: var(--accent-deep);
  font-weight: 700;
  text-decoration: none;
  padding: 13px 26px;
  border-radius: 999px;
  transition: transform .18s ease, box-shadow .18s ease;
}
.cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(0,0,0,.3);
}

/* ---- guide list ---- */
.posts h2 {
  font-size: 1.3rem;
  margin: 46px 0 18px;
  letter-spacing: -0.01em;
  display: flex; align-items: center; gap: 14px;
}
.posts h2::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.card {
  position: relative;
  display: grid;
  grid-template-columns: 150px 1fr;
  gap: 20px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px;
  margin-bottom: 14px;
  background: #fff;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(15,118,110,.14);
  border-color: #bcd8d2;
}
.card img {
  width: 100%; height: 100%;
  min-height: 118px;
  object-fit: cover;
  border-radius: 8px;
  display: block;
}
.badge {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--accent-deep);
  background: var(--accent-soft);
  border-radius: 999px;
  padding: 4px 13px;
}
.card h3 { margin: 10px 0 8px; font-size: 1.16rem; letter-spacing: -0.01em; }
.card h3 a { color: var(--ink); text-decoration: none; }
.card:hover h3 a { color: var(--accent); }
.card p { margin: 0; color: var(--muted); font-size: .96rem; }

/* ---- articles ---- */
.post { padding-top: 30px; }
.post h1 {
  font-size: clamp(1.7rem, 4vw, 2.3rem);
  line-height: 1.2;
  letter-spacing: -0.025em;
  margin: 18px 0 12px;
}
.meta {
  display: inline-block;
  color: var(--accent-deep);
  background: var(--accent-soft);
  font-size: .85rem;
  font-weight: 600;
  border-radius: 999px;
  padding: 5px 15px;
  margin-bottom: 26px;
}
.post .article-image {
  width: 100%;
  border-radius: var(--radius);
  margin: 6px 0 10px;
  display: block;
}
.post h2 {
  font-size: 1.35rem;
  margin: 40px 0 14px;
  letter-spacing: -0.01em;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--wash);
  position: relative;
}
.post h2::after {
  content: "";
  position: absolute; left: 0; bottom: -2px;
  width: 60px; height: 2px;
  background: var(--accent);
}
.post table { border-collapse: collapse; width: 100%; margin: 20px 0; font-size: .95rem; }
.post th, .post td { border: 1px solid var(--line); padding: 10px 14px; text-align: left; vertical-align: top; }
.post th { background: var(--wash); }
.post ul li, .post ol li { margin-bottom: 9px; }
.post blockquote {
  margin: 26px 0;
  padding: 18px 22px 18px 24px;
  border-left: 4px solid var(--accent);
  background: var(--wash);
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: 1.05rem;
}
.callout {
  border: 1px solid #e4d9bd;
  background: #fbf7ec;
  border-radius: var(--radius);
  padding: 18px 22px;
  margin: 26px 0;
}
.callout h3, .callout strong:first-child { color: #7a5b17; }
.callout p:last-child { margin-bottom: 0; }
.disclaimer-box {
  border: 1px solid var(--line);
  background: var(--wash);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin: 30px 0;
  font-size: .92rem;
  color: var(--muted);
}
.disclaimer-box strong { color: var(--ink); }
.back {
  display: inline-block;
  margin-bottom: 22px;
  color: var(--accent);
  text-decoration: none;
  font-weight: 600;
  font-size: .95rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 18px;
  transition: border-color .18s ease, background .18s ease;
}
.back:hover { border-color: var(--accent); background: var(--wash); }
.next-link {
  display: block;
  margin: 42px 0 8px;
  padding: 24px 26px;
  border-radius: var(--radius);
  text-decoration: none;
  color: #fff;
  font-weight: 700;
  font-size: 1.12rem;
  background: linear-gradient(135deg, var(--accent-deep) 0%, var(--accent) 100%);
  transition: transform .18s ease, box-shadow .18s ease;
}
.next-link small {
  display: block;
  font-weight: 600;
  font-size: .8rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.82);
  margin-bottom: 6px;
}
.next-link:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(15,118,110,.32);
}
/* Ad slot placeholder — style only applies once you paste real ad code */
.ad-slot {
  border: 1px dashed var(--line);
  color: var(--muted);
  text-align: center;
  padding: 12px;
  margin: 24px 0;
  font-size: 0.85rem;
  display: none;
}

/* ---- footer ---- */
.site-footer {
  background: var(--wash);
  border-top: 3px solid var(--accent);
  padding: 28px 0 40px;
  color: var(--muted);
  font-size: 0.9rem;
}
.site-footer p { margin: 8px 0; }
.site-footer .ai-disclosure { font-size: .85em; opacity: .85; }
.footer-nav a { color: var(--accent-deep); font-weight: 600; text-decoration: none; }
.footer-nav a:hover { text-decoration: underline; }

/* ---- mobile ---- */
@media (max-width: 640px) {
  .wrap { padding: 0 18px; }
  .tagline { display: none; }
  .hero { margin: 16px 0 4px; min-height: 320px; }
  .hero-copy { padding: 32px 24px 30px; }
  .card { grid-template-columns: 1fr; gap: 12px; padding: 16px; }
  .card img { max-height: 180px; }
  .nav-links { margin-left: 0; }
  .posts h2 { margin: 36px 0 14px; }
}