/*
Theme Name: InsuranceKT
Theme URI: https://insurancekt.com/
Author: InsuranceKT
Description: Standalone theme for InsuranceKT, a plain-English insurance guide. Not a child theme.
Version: 1.0.4
Requires at least: 6.0
Requires PHP: 7.4
License: GPL-2.0-or-later
Text Domain: insurancekt
*/

:root{
  --ink:#1b2430;--muted:#5b6675;--line:#e3e8ef;--bg:#ffffff;--soft:#f5f7fa;
  --brand:#0b5cad;--brand-dark:#084a8a;--accent:#f2a900;--radius:14px;--max:1140px;
}
*{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:1.6;font-size:16px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:100}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.screen-reader-text{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

.topbar{background:var(--ink);color:#c9d2de;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;padding-top:8px;padding-bottom:8px;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff}

.site-header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:10}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.site-logo,.site-title{font-weight:800;font-size:22px;color:var(--ink);letter-spacing:-.3px}
.site-logo a,.site-title a{color:var(--ink)}
.site-logo span,.site-title span{color:var(--brand)}
.primary-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:22px}
.primary-nav a{color:var(--ink);font-weight:500;font-size:15px;white-space:nowrap}
.custom-logo{height:52px;width:auto;max-width:200px}
.primary-nav a:hover{color:var(--brand);text-decoration:none}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:15px;cursor:pointer}

.btn{display:inline-block;padding:12px 22px;border-radius:999px;font-weight:600;font-size:15px;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-dark);text-decoration:none;color:#fff}
.btn-ghost{border-color:var(--brand);color:var(--brand);background:#fff}
.btn-ghost:hover{text-decoration:none}

.search-form{display:flex;background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px;box-shadow:0 8px 24px rgba(20,40,70,.08);max-width:560px}
.search-form input[type=search]{flex:1;border:0;outline:0;padding:12px 18px;font-size:16px;background:transparent;min-width:0}

.hero{background:linear-gradient(135deg,#eaf3fc 0%,#ffffff 60%);padding:72px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:#fff;border:1px solid var(--line);padding:6px 14px;border-radius:999px;font-size:13px;color:var(--muted);margin-bottom:18px}
h1,h2,h3{line-height:1.2;letter-spacing:-.4px}
h1{font-size:46px;margin:0 0 18px;letter-spacing:-.8px}
.lead{font-size:19px;color:var(--muted);margin:0 0 28px;max-width:560px}
.hero-cta{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 12px 30px rgba(20,40,70,.08)}
.hero-card h3{margin:0 0 14px;font-size:18px}
.hero-card ul{margin:0;padding:0;list-style:none}
.hero-card li{padding:12px 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;gap:12px;font-size:15px}
.hero-card li:last-child{border-bottom:0}

section.block{padding:72px 0}
section.alt{background:var(--soft)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:32px;flex-wrap:wrap}
h2{font-size:32px;margin:0 0 8px}
.sec-head p{margin:0;color:var(--muted);max-width:560px}

.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:transform .15s,box-shadow .15s;display:block;color:var(--ink)}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(20,40,70,.1);text-decoration:none}
.card .icon{width:46px;height:46px;border-radius:12px;background:#eaf3fc;color:var(--brand);display:flex;align-items:center;justify-content:center;font-weight:700;margin-bottom:16px}
.card h3{margin:0 0 8px;font-size:19px}
.card p{margin:0;color:var(--muted);font-size:15px}
.card .more{margin-top:14px;font-size:13px;color:var(--brand);font-weight:600}

.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.post-card .thumb{height:160px;background:linear-gradient(135deg,#cfe3f7,#eef5fc);display:block}
.post-card .thumb img{width:100%;height:100%;object-fit:cover}
.post-card .body{padding:22px;display:flex;flex-direction:column;flex:1}
.tag{font-size:12px;font-weight:700;color:var(--brand);text-transform:uppercase;letter-spacing:.6px;margin-bottom:8px}
.post-card h3{margin:0 0 10px;font-size:19px}
.post-card h3 a{color:var(--ink)}
.post-card p{margin:0 0 16px;color:var(--muted);font-size:15px;flex:1}
.meta{font-size:13px;color:var(--muted)}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line)}
.step .n{width:36px;height:36px;border-radius:50%;background:var(--accent);color:var(--ink);font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.step h3{margin:0 0 8px;font-size:18px}
.step p{margin:0;color:var(--muted);font-size:15px}

.band{background:var(--brand);color:#fff;border-radius:20px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 6px}
.band p{margin:0;opacity:.9}
.band .btn-primary{background:#fff;color:var(--brand)}

.faq{max-width:820px;margin:0 auto}
details{border-bottom:1px solid var(--line);padding:18px 0}
details summary{cursor:pointer;font-weight:600;font-size:17px;list-style:none;display:flex;justify-content:space-between}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";color:var(--brand);font-size:22px;line-height:1}
details[open] summary::after{content:"-"}
details p{color:var(--muted);margin:12px 0 0}

.entry{max-width:760px;margin:0 auto;padding:56px 20px}
.entry h1{font-size:40px}
.entry-meta{color:var(--muted);font-size:14px;margin-bottom:24px}
.entry-content h2{font-size:26px;margin-top:36px}
.entry-content h3{font-size:20px;margin-top:28px}
.entry-content p,.entry-content li{color:#2c3644}
.entry-content img{border-radius:var(--radius);margin:24px 0}
.entry-content blockquote{border-left:4px solid var(--accent);margin:24px 0;padding:4px 18px;color:var(--muted)}

.archive-head{background:var(--soft);padding:56px 0;border-bottom:1px solid var(--line)}
.archive-head p{color:var(--muted);margin:8px 0 0}
.pagination{margin:40px 0;display:flex;gap:8px;flex-wrap:wrap;justify-content:center}
.pagination a,.pagination span{padding:8px 14px;border:1px solid var(--line);border-radius:8px;color:var(--ink)}
.pagination .current{background:var(--brand);color:#fff;border-color:var(--brand)}

.site-footer{background:var(--ink);color:#b7c1cf;padding:56px 0 28px;font-size:15px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.site-footer h4{color:#fff;margin:0 0 14px;font-size:15px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#b7c1cf}
.site-footer .site-logo a{color:#fff}
.legal{border-top:1px solid #33404f;margin-top:40px;padding-top:20px;font-size:13px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr}
  .cards{grid-template-columns:repeat(2,1fr)}
  .posts{grid-template-columns:repeat(2,1fr)}
  .fgrid{grid-template-columns:1fr 1fr}
  h1{font-size:38px}
}
@media (max-width:680px){
  .nav-toggle{display:inline-block}
  .primary-nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:16px 20px}
  .primary-nav.is-open{display:block}
  .primary-nav ul{flex-direction:column;gap:14px}
  .cards,.posts,.steps{grid-template-columns:1fr}
  h1{font-size:32px}
  h2{font-size:26px}
  section.block{padding:52px 0}
  .band{padding:32px}
  .header-cta{display:none}
}