/* InsuraLend.com — Tan & Brown Theme */
:root {
  --tan: #c8956c;
  --tan-dark: #5c3d26;
  --tan-mid: #7a4f2e;
  --tan-light: #f5e6d3;
  --tan-pale: #fdf6ee;
  --tan-border: #d4b896;
  --white: #ffffff;
  --text-dark: #5c3d26;
  --text-mid: #4a3728;
  --text-muted: #8a7060;
  --border-light: #e8d5c0;
  --font: 'Inter', sans-serif;
  --font-display: 'Playfair Display', Georgia, serif;
  --radius: 8px;
  --radius-lg: 12px;
  --shadow: 0 4px 20px rgba(200,149,108,0.12);
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: var(--font); color: var(--text-mid); background: #fff; }
a { text-decoration: none; color: var(--tan); }
a:hover { color: var(--tan-mid); }

/* TOPBAR */
.topbar { background: var(--tan-dark); color: rgba(255,255,255,0.85); text-align: center; padding: 8px 20px; font-size: 12px; }
.topbar a { color: #f5c99a; }

/* HEADER */
header { background: #fff; border-bottom: 2px solid var(--tan-border); position: sticky; top: 0; z-index: 200; }
.header-inner { max-width: 1280px; margin: 0 auto; padding: 0 20px; display: flex; align-items: center; justify-content: space-between; gap: 16px; height: 64px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.logo-icon { background: var(--tan); color: #fff; border-radius: var(--radius); width: 38px; height: 38px; display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.logo-name { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: var(--tan-dark); line-height: 1.1; }
.logo-name span { color: var(--tan); }
.logo-tag { font-size: 10px; color: var(--text-muted); display: block; }

/* DROPDOWN NAV */
.main-nav { display: flex; align-items: center; gap: 2px; }
.nav-item { position: relative; }
.nav-item > a { font-size: 13px; font-weight: 600; color: var(--tan-dark); padding: 8px 12px; border-radius: var(--radius); display: flex; align-items: center; gap: 5px; white-space: nowrap; }
.nav-item > a:hover { background: var(--tan-light); color: var(--tan); }
.nav-item > a.active { background: var(--tan-light); color: var(--tan); }
.nav-item > a .arrow { font-size: 10px; transition: transform 0.2s; }
.nav-item:hover > a .arrow { transform: rotate(180deg); }
.nav-cta { background: var(--tan) !important; color: #fff !important; padding: 8px 18px !important; border-radius: var(--radius) !important; }
.nav-cta:hover { background: var(--tan-mid) !important; }

/* DROPDOWN MENU */
.dropdown { position: absolute; top: 100%; left: 0; background: #fff; border: 1px solid var(--tan-border); border-radius: var(--radius-lg); box-shadow: 0 8px 32px rgba(92,61,38,0.15); min-width: 220px; padding: 8px; z-index: 300; opacity: 0; visibility: hidden; transform: translateY(-8px); transition: all 0.2s; }
.nav-item:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: flex; align-items: center; gap: 10px; padding: 9px 12px; border-radius: var(--radius); font-size: 13px; color: var(--text-dark); font-weight: 500; }
.dropdown a:hover { background: var(--tan-light); color: var(--tan); }
.dropdown a .dd-icon { font-size: 16px; width: 24px; text-align: center; }
.dropdown-divider { border-top: 1px solid var(--tan-border); margin: 6px 0; }
.dropdown-header { font-size: 10px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: .06em; padding: 6px 12px 2px; }

/* HAMBURGER */
.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 6px; flex-direction: column; gap: 4px; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--tan-dark); border-radius: 2px; }

/* BREADCRUMB */
.breadcrumb { background: var(--tan-pale); padding: 10px 20px; font-size: 13px; border-bottom: 1px solid var(--tan-border); }
.breadcrumb a { color: var(--tan); }
.breadcrumb span { margin: 0 6px; color: var(--text-muted); }

/* HERO */
.hero { background: linear-gradient(160deg, var(--tan-pale) 0%, var(--tan-light) 60%, var(--tan-pale) 100%); padding: 60px 20px; }
.hero-inner { max-width: 1280px; margin: 0 auto; display: grid; grid-template-columns: 1fr 400px; gap: 48px; align-items: center; }
.hero-badge { background: var(--tan-border); color: var(--tan-dark); font-size: 12px; font-weight: 700; padding: 4px 14px; border-radius: 20px; display: inline-block; margin-bottom: 16px; }
.hero h1 { font-family: var(--font-display); font-size: 42px; font-weight: 900; color: var(--tan-dark); line-height: 1.15; margin-bottom: 16px; }
.hero h1 span { color: var(--tan); }
.hero-sub { font-size: 16px; color: var(--text-mid); line-height: 1.7; margin-bottom: 28px; }
.hero-stats { display: flex; gap: 16px; margin-bottom: 28px; flex-wrap: wrap; }
.hero-stat { background: #fff; border: 1px solid var(--tan-border); border-radius: var(--radius-lg); padding: 12px 18px; text-align: center; }
.hero-stat-num { font-size: 20px; font-weight: 700; color: var(--tan); }
.hero-stat-lbl { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-primary { background: var(--tan); color: #fff; font-size: 14px; font-weight: 700; padding: 13px 28px; border-radius: var(--radius); border: none; cursor: pointer; display: inline-block; }
.btn-primary:hover { background: var(--tan-mid); color: #fff; }
.btn-outline { background: #fff; color: var(--tan); font-size: 14px; padding: 13px 28px; border-radius: var(--radius); border: 1.5px solid var(--tan-border); display: inline-block; }
.hero-form { background: #fff; border-radius: var(--radius-lg); border: 1.5px solid var(--tan-border); padding: 28px; box-shadow: var(--shadow); }
.hero-form h3 { font-size: 16px; font-weight: 700; color: var(--tan-dark); margin-bottom: 16px; }
.form-group { margin-bottom: 12px; }
.form-group label { font-size: 12px; font-weight: 600; color: var(--text-mid); display: block; margin-bottom: 4px; }
.form-group input, .form-group select { width: 100%; border: 1.5px solid var(--tan-border); border-radius: var(--radius); padding: 10px 12px; font-size: 13px; font-family: var(--font); background: #fff; }
.form-group input:focus, .form-group select:focus { outline: none; border-color: var(--tan); }
.form-submit { width: 100%; background: var(--tan); color: #fff; border: none; padding: 13px; border-radius: var(--radius); font-size: 14px; font-weight: 700; cursor: pointer; }
.form-note { font-size: 11px; color: var(--text-muted); text-align: center; margin-top: 8px; }

/* PAGE HERO */
.page-hero { background: linear-gradient(160deg, var(--tan-pale) 0%, var(--tan-light) 60%, var(--tan-pale) 100%); padding: 48px 20px; border-bottom: 1px solid var(--tan-border); }
.page-hero-inner { max-width: 860px; margin: 0 auto; }
.page-hero-badge { background: var(--tan-border); color: var(--tan-dark); font-size: 12px; font-weight: 700; padding: 4px 14px; border-radius: 20px; display: inline-block; margin-bottom: 14px; }
.page-hero h1 { font-family: var(--font-display); font-size: 38px; font-weight: 900; color: var(--tan-dark); margin-bottom: 12px; line-height: 1.2; }
.page-hero h1 em { color: var(--tan); font-style: normal; }
.page-hero p { font-size: 16px; color: var(--text-mid); line-height: 1.7; }

/* VERTICAL CARDS WITH IMAGES */
.verticals-section { padding: 48px 20px; background: #fff; }
.verticals-inner { max-width: 1280px; margin: 0 auto; }
.section-heading { text-align: center; margin-bottom: 32px; }
.section-heading h2 { font-family: var(--font-display); font-size: 32px; font-weight: 700; color: var(--tan-dark); margin-bottom: 8px; }
.section-heading h2 span { color: var(--tan); }
.section-heading p { font-size: 15px; color: var(--text-muted); }
.cards-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 18px; }
.v-card { border: 1.5px solid var(--tan-border); border-radius: var(--radius-lg); overflow: hidden; transition: all 0.2s; display: block; text-decoration: none; background: #fff; }
.v-card:hover { border-color: var(--tan); box-shadow: var(--shadow); transform: translateY(-3px); }
.v-card-img { width: 100%; height: 120px; display: flex; align-items: center; justify-content: center; font-size: 48px; position: relative; }
.v-card-img .img-label { position: absolute; bottom: 8px; left: 8px; background: rgba(255,255,255,0.92); font-size: 9px; font-weight: 700; color: var(--tan-dark); padding: 2px 8px; border-radius: 4px; }
.v-card-body { padding: 14px; }
.v-card-tag { font-size: 10px; font-weight: 700; color: var(--tan); background: var(--tan-light); padding: 2px 8px; border-radius: 10px; display: inline-block; margin-bottom: 6px; text-transform: uppercase; letter-spacing: .04em; }
.v-card-title { font-size: 14px; font-weight: 700; color: var(--tan-dark); margin-bottom: 4px; }
.v-card-desc { font-size: 12px; color: var(--text-muted); line-height: 1.5; margin-bottom: 10px; }
.v-card-btn { width: 100%; background: var(--tan-light); color: var(--tan); border: 1px solid var(--tan-border); border-radius: var(--radius); padding: 8px; font-size: 12px; font-weight: 700; cursor: pointer; text-align: center; display: block; }
.v-card:hover .v-card-btn { background: var(--tan); color: #fff; }

/* WIDGET SECTION */
.widget-section { background: var(--tan-light); border-top: 2px solid var(--tan); border-bottom: 2px solid var(--tan); padding: 16px 20px; margin: 28px 0; text-align: center; border-radius: var(--radius-lg); }
.widget-section h2 { font-family: var(--font-display); font-size: 18px; font-weight: 700; color: var(--tan-dark); margin-bottom: 4px; border: none !important; padding: 0 !important; }
.widget-section p { font-size: 13px; color: var(--text-muted); margin-bottom: 12px; }

/* MAIN WRAP */
.main-wrap { max-width: 1280px; margin: 0 auto; padding: 40px 20px; display: grid; grid-template-columns: 1fr 320px; gap: 40px; }
main { min-width: 0; }

/* ARTICLE */
.article-body h2 { font-family: var(--font-display); font-size: 26px; font-weight: 700; color: var(--tan-dark); margin: 36px 0 14px; padding-bottom: 8px; border-bottom: 2px solid var(--tan-light); }
.article-body h3 { font-size: 18px; font-weight: 700; color: var(--tan); margin: 24px 0 10px; }
.article-body p { font-size: 15px; line-height: 1.85; color: var(--text-mid); margin-bottom: 16px; }
.article-body ul, .article-body ol { padding-left: 22px; margin-bottom: 16px; }
.article-body li { font-size: 15px; line-height: 1.8; color: var(--text-mid); margin-bottom: 8px; }
.article-meta { font-size: 13px; color: var(--text-muted); margin-bottom: 28px; padding-bottom: 16px; border-bottom: 1px solid var(--border-light); }
.article-meta span { margin-right: 16px; }
.callout { background: var(--tan-light); border-left: 4px solid var(--tan); border-radius: 0 var(--radius) var(--radius) 0; padding: 14px 18px; margin: 20px 0; font-size: 14px; color: var(--tan-dark); line-height: 1.7; }
.toc { background: var(--tan-pale); border: 1px solid var(--tan-border); border-left: 4px solid var(--tan); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 32px; }
.toc h4 { font-size: 14px; font-weight: 700; color: var(--tan-dark); margin-bottom: 12px; }
.toc ol { padding-left: 18px; }
.toc li { font-size: 14px; margin-bottom: 6px; }
.toc a { color: var(--tan); }
.rate-table { width: 100%; border-collapse: collapse; margin-bottom: 28px; font-size: 14px; }
.rate-table th { background: var(--tan-dark); color: #fff; padding: 12px 14px; text-align: left; font-size: 12px; letter-spacing: .05em; text-transform: uppercase; }
.rate-table td { padding: 12px 14px; border-bottom: 1px solid var(--border-light); color: var(--text-mid); }
.rate-table tr:nth-child(even) td { background: var(--tan-pale); }
.rate-table tr:hover td { background: var(--tan-light); }
.provider-card { background: #fff; border: 1.5px solid var(--tan-border); border-radius: var(--radius-lg); padding: 24px; margin-bottom: 20px; }
.provider-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin: 12px 0; }
.provider-stat { background: var(--tan-pale); border-radius: var(--radius); padding: 10px; text-align: center; }
.provider-stat-val { font-size: 14px; font-weight: 700; color: var(--tan-dark); }
.provider-stat-lbl { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
.pros-cons-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 14px; }
.p-pros, .p-cons { padding: 12px 14px; border-radius: var(--radius); font-size: 13px; }
.p-pros { background: #f0fdf4; border: 1px solid #86efac; }
.p-cons { background: #fff7f7; border: 1px solid #fca5a5; }
.p-pros h5 { color: #166534; margin-bottom: 6px; font-size: 12px; }
.p-cons h5 { color: #991b1b; margin-bottom: 6px; font-size: 12px; }
.p-pros ul, .p-cons ul { list-style: none; padding: 0; }
.p-pros li::before { content: "✓ "; color: #16a34a; font-weight: 700; }
.p-cons li::before { content: "✗ "; color: #dc2626; font-weight: 700; }
.apply-btn { display: flex; justify-content: flex-end; margin-top: 14px; }
.apply-btn a { background: var(--tan); color: #fff; font-size: 13px; font-weight: 700; padding: 10px 24px; border-radius: var(--radius); display: inline-block; }

/* SIDEBAR */
.sidebar-cta { background: var(--tan); color: #fff; border-radius: var(--radius-lg); padding: 24px; margin-bottom: 20px; }
.sidebar-cta h4 { font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.sidebar-cta p { font-size: 13px; opacity: .85; margin-bottom: 14px; line-height: 1.6; }
.sidebar-cta a { background: #fff; color: var(--tan); font-size: 13px; font-weight: 700; padding: 10px 18px; border-radius: var(--radius); display: block; text-align: center; }
.sidebar-widget { background: #fff; border: 1px solid var(--tan-border); border-radius: var(--radius-lg); margin-bottom: 20px; overflow: hidden; }
.widget-header { background: var(--tan-pale); border-bottom: 1px solid var(--tan-border); padding: 12px 16px; font-size: 13px; font-weight: 700; color: var(--tan-dark); }
.widget-body { padding: 14px 16px; }
.widget-body ul { list-style: none; }
.widget-body ul li { padding: 7px 0; border-bottom: 1px solid var(--border-light); font-size: 13px; }
.widget-body ul li:last-child { border-bottom: none; }
.newsletter-widget { background: var(--tan-pale); border: 1px solid var(--tan-border); border-radius: var(--radius-lg); padding: 20px; margin-bottom: 20px; }
.newsletter-widget h4 { font-size: 14px; font-weight: 700; color: var(--tan-dark); margin-bottom: 6px; }
.newsletter-widget p { font-size: 12px; color: var(--text-muted); margin-bottom: 12px; line-height: 1.6; }
.newsletter-input { width: 100%; border: 1.5px solid var(--tan-border); border-radius: var(--radius); padding: 9px 12px; font-size: 13px; margin-bottom: 8px; }
.newsletter-btn { width: 100%; background: var(--tan); color: #fff; border: none; padding: 9px; border-radius: var(--radius); font-size: 13px; font-weight: 700; cursor: pointer; }

/* GUIDE CARDS */
.guide-cards-section { background: var(--tan-pale); padding: 40px 20px; border-top: 2px solid var(--tan-border); }
.guide-cards-inner { max-width: 1280px; margin: 0 auto; }
.guide-cards-title { font-family: var(--font-display); font-size: 26px; font-weight: 700; color: var(--tan-dark); margin-bottom: 6px; }
.guide-cards-sub { font-size: 14px; color: var(--text-muted); margin-bottom: 24px; }
.guide-cards-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); gap: 14px; }
.guide-card { background: #fff; border: 1.5px solid var(--tan-border); border-radius: var(--radius-lg); padding: 18px 14px; text-align: center; display: block; text-decoration: none; transition: all 0.2s; }
.guide-card:hover { border-color: var(--tan); transform: translateY(-3px); box-shadow: var(--shadow); }
.guide-card.current { background: var(--tan-dark); border-color: var(--tan-dark); }
.guide-card.current .guide-card-name { color: #f5c99a; }
.guide-card.current .guide-card-arrow { color: rgba(255,255,255,0.5); }
.guide-card-icon { width: 52px; height: 52px; background: var(--tan-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 12px; font-size: 24px; }
.guide-card.current .guide-card-icon { background: rgba(245,201,154,0.15); }
.guide-card-name { font-weight: 700; font-size: 13px; color: var(--tan-dark); margin-bottom: 4px; line-height: 1.3; }
.guide-card-desc { font-size: 11px; color: var(--text-muted); line-height: 1.4; margin-bottom: 8px; }
.guide-card-arrow { font-size: 11px; color: var(--tan); margin-top: 4px; }

/* POLICY PAGES */
.policy-wrap { max-width: 900px; margin: 0 auto; padding: 48px 20px; }
.policy-wrap h2 { font-size: 22px; font-weight: 700; color: var(--tan-dark); margin: 36px 0 12px; padding-bottom: 8px; border-bottom: 2px solid var(--tan-light); }
.policy-wrap h3 { font-size: 16px; font-weight: 700; color: var(--tan); margin: 20px 0 8px; }
.policy-wrap p { font-size: 15px; line-height: 1.85; color: var(--text-mid); margin-bottom: 14px; }
.policy-wrap ul { padding-left: 22px; margin-bottom: 16px; }
.policy-wrap li { font-size: 15px; line-height: 1.8; color: var(--text-mid); margin-bottom: 6px; }
.policy-meta { font-size: 13px; color: var(--text-muted); margin-bottom: 32px; padding: 14px 18px; background: var(--tan-pale); border-radius: var(--radius); border-left: 4px solid var(--tan); }
.policy-toc { background: var(--tan-pale); border: 1px solid var(--tan-border); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 32px; }
.policy-toc h4 { font-size: 14px; font-weight: 700; color: var(--tan-dark); margin-bottom: 12px; }
.policy-toc ol { padding-left: 18px; }
.policy-toc li { font-size: 14px; margin-bottom: 6px; }
.policy-toc a { color: var(--tan); }
.highlight-box { background: var(--tan-pale); border: 1px solid var(--tan-border); border-radius: var(--radius); padding: 20px; margin: 20px 0; }
.highlight-box h4 { color: var(--tan-dark); font-size: 15px; font-weight: 700; margin-bottom: 8px; }

/* FOOTER */
footer { background: #3d2010; color: rgba(255,255,255,0.8); }
.footer-top { max-width: 1280px; margin: 0 auto; padding: 48px 20px; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 32px; }
.footer-brand p { font-size: 13px; color: rgba(255,255,255,0.6); line-height: 1.7; margin-top: 12px; }
.footer-col h5 { color: #f5c99a; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 14px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,0.6); font-size: 13px; }
.footer-col ul li a:hover { color: #f5c99a; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px; text-align: center; font-size: 12px; color: rgba(255,255,255,0.4); display: flex; justify-content: space-between; align-items: center; max-width: 1280px; margin: 0 auto; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,0.4); font-size: 12px; }
.footer-legal a:hover { color: #f5c99a; }
.disclaimer { background: #fdf6ee; border-top: 1px solid var(--tan-border); padding: 14px 20px; font-size: 11px; color: var(--text-muted); text-align: center; line-height: 1.6; }

/* RESPONSIVE */
@media(max-width:1024px) { .footer-top { grid-template-columns: 1fr 1fr 1fr; } }
@media(max-width:900px) {
  .main-wrap { grid-template-columns: 1fr; }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-form { display: none; }
  .main-nav { display: none; }
  .main-nav.open { display: flex; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--tan-border); padding: 10px; z-index: 200; }
  .dropdown { position: static; box-shadow: none; border: none; opacity: 1; visibility: visible; transform: none; padding-left: 16px; }
  .hamburger { display: flex; }
}
@media(max-width:600px) { .footer-top { grid-template-columns: 1fr; } .cards-grid { grid-template-columns: repeat(2,1fr); } }