:root{
  --ink:#11213f;
  --text:#33445e;
  --muted:#708097;
  --line:#e7edf4;
  --bg:#f5f9fd;
  --blue:#1675d1;
  --teal:#0b9e96;
  --teal-dark:#087d77;
  --soft:#eef8fb;
  --card:#ffffff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Pretendard,-apple-system,BlinkMacSystemFont,"Segoe UI","Noto Sans KR",Arial,sans-serif;
  background:linear-gradient(180deg,#f7fbff 0,#f2f7fb 100%);
  color:var(--ink);
  word-break:keep-all;
}
a{color:inherit;text-decoration:none}
button,input{font:inherit}
.wrap{width:min(1460px,calc(100% - 56px));margin:0 auto}

.site-header{
  height:78px;background:rgba(255,255,255,.95);border-bottom:1px solid rgba(30,62,100,.06);
  position:sticky;top:0;z-index:50;backdrop-filter:blur(12px);
}
.header-inner{height:100%;display:flex;align-items:center;justify-content:space-between}
.logo{font-size:28px;font-weight:900;letter-spacing:-1.3px;color:var(--blue)}
.logo span{color:#14294c;font-weight:800}
.nav{display:flex;gap:58px;font-size:17px;font-weight:750}
.nav a:hover{color:var(--teal)}
.header-tools{display:flex;gap:10px}
.icon-btn{
  width:44px;height:44px;border:1px solid #dfe8f1;background:#fafdff;border-radius:12px;
  display:grid;place-items:center;font-size:22px;color:#14284a;cursor:pointer;
}

/* Hero */
.hero{
  background:
    radial-gradient(circle at 77% 18%,rgba(196,221,255,.65),transparent 30%),
    radial-gradient(circle at 85% 63%,rgba(198,239,236,.48),transparent 24%),
    #fff;
  padding:54px 0 34px;
  overflow:hidden;
}
.hero-grid{display:grid;grid-template-columns:43% 57%;align-items:center;min-height:540px}
.hero-copy{padding-left:24px;position:relative;z-index:2}
.hero-eyebrow{color:var(--teal);font-size:17px;font-weight:800;margin-bottom:22px}
.hero h1{margin:0;font-size:56px;line-height:1.3;letter-spacing:-3px;font-weight:900}
.hero h1 em{font-style:normal;color:var(--teal)}
.hero-desc{margin:28px 0 0;color:#51627a;font-size:18px;line-height:1.8}
.hero-actions{display:flex;gap:14px;margin-top:35px}
.btn{
  min-height:56px;padding:0 27px;border-radius:11px;display:inline-flex;align-items:center;
  justify-content:center;font-size:16px;font-weight:800;box-shadow:0 5px 16px rgba(38,72,108,.08)
}
.btn-primary{background:var(--teal);color:#fff}
.btn-secondary{background:#fff;border:1px solid #dae4ed;color:#203451}
.hero-art{height:520px;display:flex;align-items:center;justify-content:flex-end;overflow:hidden}
.hero-art img{
  width:100%;height:100%;object-fit:cover;object-position:center;
  border-radius:0;
}

/* shared cards */
.panel{
  background:rgba(255,255,255,.98);border:1px solid #eef2f6;border-radius:24px;
  box-shadow:0 18px 48px rgba(66,95,128,.06);
}
.categories{margin-top:0;padding:26px 28px}
.category-grid{display:grid;grid-template-columns:225px repeat(6,1fr);gap:16px}
.category-intro{padding:16px 15px}
.kicker{color:var(--teal);font-weight:850;font-size:14px}
.category-intro h2{font-size:30px;line-height:1.4;margin:13px 0 10px;letter-spacing:-1.6px}
.category-intro p{color:var(--muted);font-size:14px;line-height:1.7}
.category-card{
  min-height:213px;padding:16px 13px 20px;border:1px solid #e5ebf1;border-radius:17px;
  text-align:center;position:relative;background:#fff;transition:.17s ease
}
.category-card:hover{transform:translateY(-3px);box-shadow:0 12px 25px rgba(65,94,124,.08);border-color:#c6e4e1}
.category-icon{height:72px;display:flex;align-items:center;justify-content:center;margin-bottom:8px}
.category-icon img{max-width:92px;max-height:72px;object-fit:contain}
.category-card strong{display:block;font-size:18px;margin-bottom:9px}
.category-card span{font-size:14px;color:#697890;line-height:1.55}
.arrow{
  position:absolute;right:12px;bottom:12px;width:31px;height:31px;border-radius:50%;
  border:1px solid #e4edf1;display:grid;place-items:center;color:var(--teal);font-weight:900
}
.morebar{
  margin-top:18px;background:linear-gradient(90deg,#e9f8f7,#eef9fc);border-radius:14px;
  padding:14px 18px;display:grid;grid-template-columns:205px repeat(6,1fr);gap:10px;align-items:center
}
.more-title{font-weight:850;color:#0b8580}
.more-pill{background:#fff;border:1px solid #e0eaee;border-radius:9px;padding:10px 7px;text-align:center;font-size:13px;color:#40516a}
.more-all{text-align:right;color:#0b8580;font-weight:850}

/* section defaults */
.section{padding:36px 0}
.section-title{text-align:center;margin-bottom:26px}
.section-title h2{font-size:29px;margin:0 0 8px;letter-spacing:-1.3px}
.section-title p{margin:0;color:var(--muted);font-size:14px}

/* Why compare */
.why{padding:28px 30px 36px}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid #eef1f5;border-radius:15px;overflow:hidden}
.why-item{text-align:center;padding:34px 24px 28px;position:relative}
.why-item:not(:last-child)::after{content:"";position:absolute;right:0;top:28px;bottom:28px;border-right:1px dashed #d7e0e8}
.why-icon{
  width:70px;height:70px;margin:0 auto 15px;border-radius:20px;display:grid;place-items:center;
  background:linear-gradient(180deg,#effafa,#f8fcff);font-size:39px
}
.why-item h3{font-size:18px;margin:0 0 10px}
.why-item p{font-size:13px;color:#66768c;line-height:1.7;margin:0}

/* Guides */
.guide-panel{padding:30px 30px 32px}
.guide-head{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:22px}
.guide-head h2{font-size:25px;margin:0 0 7px}
.guide-head p{margin:0;color:var(--muted);font-size:14px}
.link-btn{border:1px solid #dbe5ed;background:#fff;border-radius:10px;padding:11px 16px;font-size:13px;font-weight:800}
.guide-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.guide-card{border:1px solid #e4eaf0;background:#fff;border-radius:15px;overflow:hidden}
.guide-thumb{height:172px;background:#eef4f8}
.guide-thumb img{width:100%;height:100%;object-fit:cover}
.guide-body{padding:17px 16px 19px}
.guide-body h3{font-size:17px;line-height:1.45;margin:0 0 8px}
.guide-body p{font-size:13px;line-height:1.65;color:#6d7b8f;margin:0 0 12px}
.tag{font-size:11px;color:var(--teal);border:1px solid #bfe7e4;border-radius:5px;padding:3px 6px}
.dots{text-align:center;margin-top:20px}
.dot{display:inline-block;width:10px;height:10px;border-radius:50%;background:#d7e1e9;margin:0 5px}
.dot.active{background:var(--teal)}

/* info/blog */
.info-panel{padding:30px}
.info-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:28px}
.info-feature{
  padding:30px;border-radius:18px;background:linear-gradient(135deg,#e9f8f7,#f3f8ff);
  min-height:260px;display:flex;flex-direction:column;justify-content:space-between
}
.info-feature small{color:var(--teal);font-weight:850}
.info-feature h3{font-size:28px;line-height:1.4;letter-spacing:-1px;margin:18px 0 10px}
.info-feature p{color:#607089;font-size:14px;line-height:1.8;margin:0}
.info-list{border-top:2px solid #20334e}
.info-row{display:block;padding:19px 2px;border-bottom:1px solid #e7edf3}
.info-row small{color:var(--teal);font-weight:800}
.info-row strong{display:block;font-size:16px;margin-top:6px}
.info-row span{display:block;color:#728096;font-size:13px;margin-top:5px}

/* footer */
.footer{padding:30px 0 35px;background:#fff;margin-top:22px}
.footer-inner{display:grid;grid-template-columns:220px 1fr auto;gap:30px;align-items:center}
.footer .logo{font-size:24px}
.footer-links{display:flex;gap:34px;justify-content:center;font-size:13px;color:#5f6e83}
.footer-social{display:flex;gap:10px}
.social{width:36px;height:36px;border:1px solid #e0e7ee;border-radius:50%;display:grid;place-items:center;font-size:12px;font-weight:800}
.copyright{text-align:center;color:#8a95a5;font-size:12px;margin-top:18px}

@media(max-width:1180px){
  .wrap{width:min(100% - 36px,1100px)}
  .nav{gap:28px;font-size:15px}
  .hero-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:43px}
  .category-grid{grid-template-columns:repeat(3,1fr)}
  .category-intro{grid-column:1/-1}
  .morebar{grid-template-columns:repeat(3,1fr)}
  .more-title{grid-column:1/-1;text-align:left}
}
@media(max-width:760px){
  .wrap{width:calc(100% - 26px)}
  .site-header{height:65px}
  .nav{display:none}
  .header-tools .icon-btn:first-child{display:none}
  .hero{padding-top:34px}
  .hero-grid{grid-template-columns:1fr;min-height:0}
  .hero-copy{padding-left:0}
  .hero h1{font-size:35px;letter-spacing:-1.8px}
  .hero-desc{font-size:15px}
  .hero-actions{flex-direction:column}
  .btn{width:100%}
  .hero-art{height:330px;margin-top:10px}
  .categories{padding:18px 14px}
  .category-grid{grid-template-columns:1fr 1fr;gap:10px}
  .category-card{min-height:190px}
  .morebar{grid-template-columns:1fr 1fr}
  .why-grid,.guide-grid,.partner-list{grid-template-columns:1fr 1fr}
  .why-item::after{display:none}
  .info-layout{grid-template-columns:1fr}
  .partners{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr;text-align:center}
  .footer-links{flex-wrap:wrap}
  .footer-social{justify-content:center}
}

.footer-inner-simple{
  grid-template-columns:1fr auto;
}
.footer-inner-simple .footer-links{
  justify-content:flex-start;
}
@media(max-width:760px){
  .footer-inner-simple{
    grid-template-columns:1fr;
  }
  .footer-inner-simple .footer-links{
    justify-content:center;
  }
}

/* v7 image refresh */
.hero-art{
  height:500px;
  display:flex;
  align-items:center;
  justify-content:flex-end;
  overflow:hidden;
}
.hero-art img{
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center;
  border-radius:22px;
}
.category-icon{
  height:84px;
  margin-bottom:10px;
  overflow:hidden;
  border-radius:12px;
  background:#f7fbff;
}
.category-icon img{
  width:100%;
  height:100%;
  max-width:none;
  max-height:none;
  object-fit:cover;
}

/* v8: approved hero image + distinct cancer card image */
.hero-art img{
  object-fit:cover;
  object-position:center;
}

/* v9: keep the approved hero image fully visible at every viewport */
.hero-art{
  height:auto !important;
  aspect-ratio:1026 / 375;
  overflow:hidden;
}
.hero-art img{
  width:100%;
  height:100%;
  object-fit:contain !important;
  object-position:center center !important;
  border-radius:18px;
}
@media(max-width:1180px){
  .hero-grid{align-items:center;}
  .hero-art{aspect-ratio:1026 / 375;}
}
@media(max-width:760px){
  .hero-art{
    width:100%;
    height:auto !important;
    aspect-ratio:1026 / 375;
    margin-top:18px;
  }
  .hero-art img{border-radius:14px;}
}

/* v11: responsive hero image and final insurance card order */
.hero{
  padding:54px 0 36px;
}
.hero-grid{
  grid-template-columns:minmax(360px, 44%) minmax(0, 56%);
  gap:32px;
  min-height:0;
}
.hero-art{
  width:100%;
  max-width:760px;
  height:auto !important;
  aspect-ratio:1026 / 375;
  justify-self:end;
  overflow:hidden;
  border-radius:18px;
}
.hero-art img{
  display:block;
  width:100%;
  height:100%;
  object-fit:contain !important;
  object-position:center center !important;
  border-radius:18px;
}
@media(max-width:1180px){
  .hero{
    padding:44px 0 30px;
  }
  .hero-grid{
    grid-template-columns:minmax(330px, 46%) minmax(0, 54%);
    gap:22px;
  }
  .hero-art{
    max-width:590px;
  }
}
@media(max-width:900px){
  .hero-grid{
    grid-template-columns:1fr;
    gap:24px;
  }
  .hero-copy{
    padding-left:0;
  }
  .hero-art{
    width:min(100%, 720px);
    max-width:720px;
    justify-self:center;
  }
}
@media(max-width:760px){
  .hero{
    padding:32px 0 22px;
  }
  .hero-art{
    width:100%;
    aspect-ratio:1026 / 375;
    margin-top:4px;
    border-radius:14px;
  }
  .hero-art img{
    border-radius:14px;
  }
}

/* v12 final cleanup */
.hero-art{
  aspect-ratio:1026 / 470 !important;
}
@media(max-width:760px){
  .hero-art{
    aspect-ratio:1026 / 470 !important;
  }
}

.footer-inner,
.footer-inner-simple{
  grid-template-columns:1fr !important;
  justify-items:center;
  text-align:center;
}
.footer-links{
  justify-content:center !important;
  flex-wrap:wrap;
}
.footer-social{
  display:none !important;
}

.category-card{
  padding:20px 16px 24px;
}
.category-card span{
  line-height:1.65;
}
.why-item{
  padding:38px 28px 32px;
}
.guide-card .guide-body{
  padding:19px 17px 21px;
}
.guide-thumb{
  aspect-ratio:16 / 10;
  height:auto;
}
.guide-thumb img{
  width:100%;
  height:100%;
  object-fit:cover;
}


/* v13-B: stacked text-over-image hero */
.hero{
  padding:50px 0 44px !important;
}
.hero-grid-stacked{
  display:flex !important;
  flex-direction:column !important;
  gap:32px !important;
  align-items:center !important;
  min-height:0 !important;
}
.hero-grid-stacked .hero-copy{
  width:min(100%, 860px) !important;
  padding-left:0 !important;
  text-align:center !important;
}
.hero-grid-stacked .hero h1{
  font-size:54px !important;
}
.hero-grid-stacked .hero-desc{
  margin-left:auto !important;
  margin-right:auto !important;
}
.hero-grid-stacked .hero-actions{
  justify-content:center !important;
}
.hero-grid-stacked .hero-art{
  width:min(100%, 1180px) !important;
  max-width:none !important;
  aspect-ratio:16 / 7.5 !important;
  justify-self:center !important;
  overflow:hidden !important;
  border-radius:24px !important;
  box-shadow:0 20px 52px rgba(50,83,117,.12) !important;
  background:#eef7fb !important;
}
.hero-grid-stacked .hero-art img{
  width:100% !important;
  height:100% !important;
  object-fit:contain !important;
  object-position:center !important;
  border-radius:24px !important;
}
@media(max-width:900px){
  .hero-grid-stacked .hero-copy{
    text-align:left !important;
  }
  .hero-grid-stacked .hero-actions{
    justify-content:flex-start !important;
  }
  .hero-grid-stacked .hero h1{
    font-size:42px !important;
  }
  .hero-grid-stacked .hero-art{
    aspect-ratio:16 / 8.5 !important;
  }
}
@media(max-width:600px){
  .hero{
    padding:30px 0 24px !important;
  }
  .hero-grid-stacked{
    gap:24px !important;
  }
  .hero-grid-stacked .hero h1{
    font-size:34px !important;
  }
  .hero-grid-stacked .hero-art{
    aspect-ratio:4 / 2.8 !important;
    border-radius:16px !important;
  }
  .hero-grid-stacked .hero-art img{
    border-radius:16px !important;
  }
}

/* v14-B: refined compact header and hero */
.site-header{
  height:64px !important;
}
.header-inner{
  height:64px !important;
}
.logo{
  font-size:25px !important;
}
.nav{
  gap:42px !important;
  font-size:16px !important;
}
.icon-btn{
  width:40px !important;
  height:40px !important;
  border-radius:10px !important;
}

.hero{
  padding:28px 0 34px !important;
}
.hero-grid-stacked{
  gap:22px !important;
}
.hero-grid-stacked .hero-copy{
  width:min(100%, 900px) !important;
}
.hero-eyebrow{
  margin-bottom:14px !important;
  font-size:16px !important;
}
.hero-grid-stacked .hero h1{
  margin:0 !important;
  font-size:50px !important;
  line-height:1.22 !important;
  letter-spacing:-2.4px !important;
}
.hero-grid-stacked .hero-desc{
  margin-top:18px !important;
  max-width:760px !important;
  font-size:17px !important;
  line-height:1.7 !important;
}
.hero-grid-stacked .hero-actions{
  margin-top:24px !important;
  gap:12px !important;
}
.hero-grid-stacked .btn{
  min-height:52px !important;
  padding:0 25px !important;
}
.hero-grid-stacked .hero-art{
  width:min(100%, 1080px) !important;
  aspect-ratio:16 / 7.8 !important;
  border-radius:22px !important;
}
.hero-grid-stacked .hero-art img{
  border-radius:22px !important;
}

@media(max-width:900px){
  .site-header,
  .header-inner{
    height:60px !important;
  }
  .hero{
    padding:24px 0 28px !important;
  }
  .hero-grid-stacked{
    gap:20px !important;
  }
  .hero-grid-stacked .hero-copy{
    text-align:center !important;
  }
  .hero-grid-stacked .hero-actions{
    justify-content:center !important;
  }
  .hero-grid-stacked .hero h1{
    font-size:40px !important;
  }
  .hero-grid-stacked .hero-art{
    aspect-ratio:16 / 8.5 !important;
  }
}

@media(max-width:600px){
  .site-header,
  .header-inner{
    height:58px !important;
  }
  .logo{
    font-size:22px !important;
  }
  .hero{
    padding:22px 0 24px !important;
  }
  .hero-grid-stacked{
    gap:18px !important;
  }
  .hero-grid-stacked .hero-copy{
    text-align:left !important;
  }
  .hero-eyebrow{
    font-size:14px !important;
    margin-bottom:10px !important;
  }
  .hero-grid-stacked .hero h1{
    font-size:32px !important;
    line-height:1.28 !important;
    letter-spacing:-1.6px !important;
  }
  .hero-grid-stacked .hero-desc{
    margin-top:14px !important;
    font-size:15px !important;
    line-height:1.65 !important;
  }
  .hero-grid-stacked .hero-actions{
    margin-top:18px !important;
    display:grid !important;
    grid-template-columns:1fr 1fr !important;
    gap:9px !important;
  }
  .hero-grid-stacked .btn{
    width:100% !important;
    min-height:48px !important;
    padding:0 12px !important;
    font-size:14px !important;
  }
  .hero-grid-stacked .hero-art{
    aspect-ratio:4 / 2.65 !important;
    border-radius:15px !important;
  }
  .hero-grid-stacked .hero-art img{
    border-radius:15px !important;
  }
}

/* v15 final brand + SEO polish */
.brand-logo{
  display:inline-flex;
  align-items:center;
  gap:9px;
}
.brand-logo img{
  width:30px;
  height:30px;
  flex:0 0 auto;
}
.brand-text{
  font-style:normal;
  color:#1675d1;
}
.brand-text em{
  font-style:normal;
  color:#14294c;
}
.footer-note{
  margin-top:14px;
  text-align:center;
  color:#7b8798;
  font-size:12px;
  line-height:1.7;
}
.footer-note p{
  margin:2px 0;
}
@media(max-width:600px){
  .brand-logo img{
    width:26px;
    height:26px;
  }
  .footer-note{
    font-size:11px;
    padding:0 8px;
  }
}

/* v17: keep guide/blog sections visible before content is added */
.empty-content-box{
  min-height:170px;
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  text-align:center;
  padding:34px 24px;
  border:1px dashed #cfdbea;
  border-radius:18px;
  background:#f8fbff;
  color:#607087;
}
.empty-content-box strong{
  display:block;
  margin-bottom:8px;
  color:#263a55;
  font-size:18px;
}
.empty-content-box p{
  margin:0;
  font-size:14px;
  line-height:1.7;
}

/* basic legal pages */
.legal-main{
  padding:42px 0 72px;
  background:#f6f9fc;
}
.legal-wrap{max-width:920px;}
.breadcrumb{
  display:flex;
  align-items:center;
  gap:8px;
  margin-bottom:18px;
  color:#7b8798;
  font-size:14px;
}
.breadcrumb a{color:#5d6c80;}
.legal-card{
  padding:44px 46px;
  border:1px solid #e3eaf2;
  border-radius:20px;
  background:#fff;
  box-shadow:0 12px 34px rgba(39,67,96,.06);
}
.legal-card h1{
  margin:0 0 30px;
  color:#172d4d;
  font-size:34px;
  letter-spacing:-1.3px;
}
.legal-content h2{
  margin:30px 0 10px;
  color:#233a58;
  font-size:19px;
}
.legal-content p{
  margin:0 0 15px;
  color:#52647a;
  font-size:15px;
  line-height:1.85;
}
@media(max-width:600px){
  .legal-main{padding:26px 0 48px;}
  .legal-card{padding:28px 22px;border-radius:16px;}
  .legal-card h1{font-size:28px;}
}

/* header + CPA insurance cleanup */
.header-inner{
  display:grid !important;
  grid-template-columns:auto 1fr auto !important;
  align-items:center !important;
  min-height:62px !important;
}
.header-inner .logo{grid-column:1 !important;}
.header-inner .nav{
  grid-column:2 !important;
  justify-self:center !important;
  display:flex !important;
  align-items:center !important;
  gap:46px !important;
  margin:0 !important;
}
.header-inner .nav a{white-space:nowrap;}
.header-tools{display:none !important;}
.categories .category-grid{
  grid-template-columns:225px repeat(4,minmax(0,1fr)) !important;
  gap:16px !important;
}
.morebar{display:none !important;}

@media(max-width:1180px){
  .header-inner .nav{gap:34px !important;}
  .categories .category-grid{
    grid-template-columns:200px repeat(4,minmax(0,1fr)) !important;
  }
}
@media(max-width:900px){
  .header-inner{
    grid-template-columns:auto 1fr !important;
  }
  .header-inner .nav{
    justify-self:end !important;
    gap:26px !important;
  }
  .categories .category-grid{
    grid-template-columns:repeat(2,minmax(0,1fr)) !important;
  }
  .categories .category-intro{
    grid-column:1 / -1 !important;
  }
}
@media(max-width:600px){
  .header-inner{
    display:flex !important;
    justify-content:space-between !important;
    gap:16px !important;
  }
  .header-inner .nav{
    gap:16px !important;
    font-size:14px !important;
  }
  .categories .category-grid{
    grid-template-columns:repeat(2,minmax(0,1fr)) !important;
    gap:12px !important;
  }
}

/* final header, hero and insurance-card alignment */
.site-header{
  border-bottom:1px solid #edf2f7;
  background:#fff;
}
.header-inner{
  display:grid !important;
  grid-template-columns:auto 1fr !important;
  align-items:center !important;
  height:62px !important;
  min-height:62px !important;
}
.header-inner .logo{
  grid-column:1 !important;
  justify-self:start !important;
}
.header-inner .nav{
  grid-column:2 !important;
  justify-self:end !important;
  display:flex !important;
  align-items:center !important;
  gap:40px !important;
  margin:0 !important;
  font-size:16px !important;
  font-weight:700 !important;
}
.header-inner .nav a{
  display:flex;
  align-items:center;
  height:62px;
  white-space:nowrap;
}

/* hero spacing */
.hero{
  padding:20px 0 28px !important;
}
.hero-grid-stacked{
  gap:16px !important;
}
.hero-grid-stacked .hero-actions{
  margin-top:20px !important;
}
.hero-grid-stacked .hero-art{
  width:min(100%,1080px) !important;
  aspect-ratio:1026 / 420 !important;
  background:transparent !important;
  border-radius:22px !important;
  overflow:hidden !important;
}
.hero-grid-stacked .hero-art img{
  display:block !important;
  width:100% !important;
  height:100% !important;
  object-fit:cover !important;
  object-position:center center !important;
  border-radius:22px !important;
}

/* intro occupies the full height of two card rows */
.categories .category-grid{
  grid-template-columns:225px repeat(4,minmax(0,1fr)) !important;
  grid-auto-rows:1fr;
  gap:16px !important;
}
.categories .category-intro{
  grid-column:1 !important;
  grid-row:span 2 !important;
  display:flex;
  flex-direction:column;
  justify-content:center;
  min-height:100% !important;
  padding:26px 22px !important;
}
.categories .category-intro h2{
  font-size:29px !important;
  line-height:1.35 !important;
}

@media(max-width:1180px){
  .header-inner .nav{
    gap:34px !important;
  }
  .categories .category-grid{
    grid-template-columns:200px repeat(4,minmax(0,1fr)) !important;
    gap:13px !important;
  }
}
@media(max-width:900px){
  .header-inner{
    grid-template-columns:auto 1fr !important;
  }
  .header-inner .nav{
    justify-self:end !important;
    gap:25px !important;
  }
  .hero{
    padding:18px 0 24px !important;
  }
  .hero-grid-stacked{
    gap:14px !important;
  }
  .hero-grid-stacked .hero-art{
    aspect-ratio:1026 / 420 !important;
  }
  .categories .category-grid{
    grid-template-columns:repeat(2,minmax(0,1fr)) !important;
  }
  .categories .category-intro{
    grid-column:1 / -1 !important;
    grid-row:auto !important;
    min-height:auto !important;
    text-align:center;
  }
}
@media(max-width:600px){
  .header-inner{
    height:58px !important;
    min-height:58px !important;
  }
  .header-inner .nav{
    gap:15px !important;
    font-size:13px !important;
  }
  .header-inner .nav a{
    height:58px !important;
  }
  .hero{
    padding:16px 0 20px !important;
  }
  .hero-grid-stacked{
    gap:12px !important;
  }
  .hero-grid-stacked .hero-actions{
    margin-top:16px !important;
  }
  .hero-grid-stacked .hero-art{
    aspect-ratio:1026 / 430 !important;
    border-radius:15px !important;
  }
  .hero-grid-stacked .hero-art img{
    border-radius:15px !important;
  }
  .categories .category-intro h2{
    font-size:25px !important;
  }
}

/* responsive verification fixes */
.brand-logo,
.brand-logo .brand-text{
  white-space:nowrap !important;
  flex-wrap:nowrap !important;
}
@media(max-width:900px){
  .categories .category-grid{
    grid-auto-rows:auto !important;
  }
  .categories .category-intro{
    padding:28px 22px !important;
  }
}
@media(max-width:600px){
  .brand-logo{
    gap:6px !important;
    flex:0 0 auto !important;
  }
  .brand-logo img{
    width:22px !important;
    height:22px !important;
  }
  .brand-logo .brand-text{
    font-size:19px !important;
    letter-spacing:-.7px !important;
  }
  .header-inner .nav{
    gap:13px !important;
    font-size:12.5px !important;
  }
  .categories .category-intro{
    padding:24px 18px !important;
  }
}
@media(max-width:340px){
  .brand-logo .brand-text{
    font-size:17px !important;
  }
  .brand-logo img{
    width:20px !important;
    height:20px !important;
  }
  .header-inner .nav{
    gap:10px !important;
    font-size:12px !important;
  }
}

/* Guide Master V1: scoped guide templates */
.guide-page{background:#f6f8fb;color:var(--text)}
.guide-page .site-header{background:rgba(255,255,255,.96)}
.guide-shell,.guide-article{padding-bottom:72px}
.guide-list-hero{padding-top:72px;padding-bottom:34px}
.guide-kicker{margin:0 0 12px;color:var(--blue);font-size:14px;font-weight:800;letter-spacing:.04em}
.guide-list-hero h1,.guide-article-head h1{margin:0;color:var(--ink);letter-spacing:-.045em}
.guide-list-hero h1{font-size:48px}.guide-list-hero>p:last-child{max-width:680px;color:var(--muted);font-size:18px;line-height:1.75}
.guide-list{padding-bottom:50px}.guide-list>h2{margin-bottom:20px;font-size:24px}
.guide-list .guide-card{display:grid;grid-template-columns:minmax(260px,42%) 1fr;overflow:hidden;border:1px solid var(--line);border-radius:22px;background:#fff;box-shadow:0 12px 36px rgba(15,35,70,.07)}
.guide-list .guide-card-media img{display:block;width:100%;height:100%;min-height:280px;object-fit:cover}.guide-list .guide-card-copy{padding:42px}.guide-list .guide-card-copy span{color:var(--blue);font-size:13px;font-weight:800}.guide-card-copy h3{margin:12px 0;font-size:30px;line-height:1.35}.guide-list .guide-card-copy h3 a{color:var(--ink);text-decoration:none}.guide-list .guide-card-copy p{color:var(--muted);line-height:1.75}
.guide-article-head{max-width:920px;padding-top:42px}.guide-breadcrumb{display:flex;gap:9px;margin-bottom:48px;color:var(--muted);font-size:13px}.guide-breadcrumb a{color:inherit;text-decoration:none}
.guide-article-head h1{max-width:800px;font-size:54px;line-height:1.2}.guide-lead{max-width:760px;margin:24px 0 34px;color:#45536a;font-size:20px;line-height:1.75}
.guide-hero-image,.guide-body-image{margin:0}.guide-hero-image img,.guide-body-image img{display:block;width:100%;border-radius:22px;object-fit:cover}.guide-hero-image img{max-height:560px}.guide-hero-image figcaption,.guide-body-image figcaption{padding-top:10px;color:var(--muted);font-size:13px;line-height:1.55}
.guide-content{max-width:780px;padding-top:50px}.guide-content section{margin:68px 0}.guide-content h2{margin:0 0 20px;color:var(--ink);font-size:30px;line-height:1.4;letter-spacing:-.035em}.guide-content p,.guide-content li{font-size:17px;line-height:1.9}.guide-content section>p{margin:0 0 18px;color:#344157}
.guide-answer{padding:28px 30px;border:1px solid #c9dcff;border-radius:18px;background:#eef5ff}.guide-answer strong{font-size:19px;color:#174c9b}.guide-answer ol{margin:14px 0 0;padding-left:24px}.guide-answer li{padding:3px 0}
.guide-steps{display:grid;gap:12px}.guide-steps>div{display:grid;grid-template-columns:46px 170px 1fr;align-items:start;padding:20px;border:1px solid var(--line);border-radius:14px;background:#fff}.guide-steps b{color:var(--blue)}.guide-steps h3{margin:0;font-size:17px}.guide-steps p{margin:0;color:var(--muted);font-size:15px;line-height:1.65}
.guide-body-image{margin:60px 0}.guide-body-image img{max-height:470px}
.guide-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:15px;background:#fff}.guide-content table{width:100%;border-collapse:collapse;font-size:15px}.guide-content th,.guide-content td{padding:16px;text-align:left;border-bottom:1px solid var(--line);line-height:1.6}.guide-content th{background:#f0f5fb;color:var(--ink)}.guide-content tr:last-child td{border-bottom:0}
.guide-cta{display:flex;align-items:center;justify-content:space-between;gap:24px;margin:68px 0;padding:30px 32px;border-radius:20px;background:#102e61;color:#fff;overflow:hidden}.guide-cta>div{min-width:0;flex:1 1 auto}.guide-cta span{font-size:13px;color:#a9cbff;font-weight:800;overflow-wrap:anywhere}.guide-cta h2{margin:5px 0 4px;color:#fff;font-size:25px;overflow-wrap:break-word;word-break:keep-all}.guide-cta p{margin:0;color:#dce8fa;font-size:15px;line-height:1.6;overflow-wrap:break-word;word-break:keep-all}.guide-cta .btn{flex:0 1 auto;max-width:100%;white-space:normal;overflow-wrap:break-word;word-break:keep-all;line-height:1.45}.guide-cta-final{background:linear-gradient(135deg,#163c78,#0d7280)}
.guide-checklist{padding:0;list-style:none}.guide-checklist li{position:relative;margin:10px 0;padding:16px 18px 16px 48px;border:1px solid var(--line);border-radius:12px;background:#fff}.guide-checklist li:before{content:'✓';position:absolute;left:18px;color:var(--teal);font-weight:900}
.guide-warning{margin-top:28px;padding:22px 24px;border-left:4px solid #f0a43c;background:#fff8eb}.guide-warning strong{color:#8a5206}.guide-warning p{margin:8px 0 0!important;font-size:15px!important}
.guide-faq details{border-top:1px solid var(--line);background:#fff}.guide-faq details:last-child{border-bottom:1px solid var(--line)}.guide-faq summary{cursor:pointer;padding:20px 8px;font-size:17px;font-weight:750}.guide-faq details p{padding:0 8px 20px;margin:0;font-size:15px}.guide-disclosure{padding:20px;border-radius:12px;background:#edf0f4;color:#667085;font-size:13px!important;line-height:1.7!important}
@media(max-width:760px){.guide-list-hero{padding-top:44px}.guide-list-hero h1{font-size:38px}.guide-list .guide-card{grid-template-columns:1fr}.guide-list .guide-card-media img{min-height:210px;max-height:250px}.guide-list .guide-card-copy{padding:26px}.guide-list .guide-list .guide-card-copy h3{font-size:24px}.guide-article-head{padding-top:24px}.guide-breadcrumb{margin-bottom:34px}.guide-article-head h1{font-size:38px}.guide-lead{font-size:17px}.guide-content{padding-top:34px}.guide-content section{margin:50px 0}.guide-content h2{font-size:25px}.guide-content p,.guide-content li{font-size:16px}.guide-steps>div{grid-template-columns:38px 1fr}.guide-steps p{grid-column:2;margin-top:7px}.guide-cta{align-items:stretch;flex-direction:column;padding:26px 24px}.guide-cta .btn{display:block;width:100%;box-sizing:border-box;text-align:center}.guide-body-image{margin:48px 0}}
@media(max-width:430px){.guide-article-head,.guide-content,.guide-list-hero,.guide-list{padding-left:18px;padding-right:18px}.guide-article-head h1{font-size:34px}.guide-content h2{font-size:23px}.guide-cta{gap:20px;margin:48px 0;padding:24px 20px}.guide-cta h2{font-size:22px}.guide-cta .btn{padding-left:14px;padding-right:14px}.guide-table-wrap{max-width:100%}}

/* Guide CTA sample 1 - clean enlarged version */
.guide-cta.guide-cta-sample1{display:grid;grid-template-columns:86px minmax(0,1.25fr) minmax(350px,1fr);align-items:center;gap:26px;margin:68px 0;padding:28px 30px;border:1px solid #d7e5eb;border-radius:19px;background:#fff;color:#17263a;box-shadow:0 10px 28px rgba(30,64,82,.06);overflow:visible}
.guide-cta-sample1-icon{width:76px;height:76px;border:1px solid #d9eceb;border-radius:50%;display:flex;align-items:center;justify-content:center;background:#f4fbfa;box-shadow:0 5px 15px rgba(9,133,132,.08)}
.guide-cta-sample1-icon svg{width:49px;height:49px;fill:none;stroke:#079b93;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.guide-cta-sample1-copy{min-width:0}.guide-cta-sample1-copy>span{display:block;margin-bottom:6px;color:#087f82;font-size:13px;font-weight:800}
.guide-cta-sample1-copy h2{margin:0 0 8px;color:#15243a;font-size:25px;line-height:1.25;font-weight:900;letter-spacing:-.6px;white-space:nowrap}
.guide-cta-sample1-copy h2 em{color:#087f82;font-style:normal}.guide-cta-sample1-copy p{margin:0;color:#34495a;font-size:14px;line-height:1.65;word-break:keep-all}
.guide-cta-sample1-action{min-width:0;padding:11px 12px 10px;border:1px solid #e0e9ed;border-radius:14px;background:#fbfcfd}
.guide-cta-sample1-top{text-align:center;color:#53606f;font-size:12px;font-weight:700;margin:0 0 8px}
.guide-cta-sample1-button{min-height:68px;padding:0 20px;display:grid;grid-template-columns:30px 1fr 20px;align-items:center;gap:10px;border-radius:12px;background:linear-gradient(135deg,#07858c,#08a59b);color:#fff!important;text-decoration:none!important;box-shadow:0 8px 18px rgba(8,145,143,.20);transition:transform .18s ease,box-shadow .18s ease,filter .18s ease}
.guide-cta-sample1-button svg{width:27px;height:27px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.guide-cta-sample1-button span{color:#fff!important;font-size:18px;font-weight:900;line-height:1.25;text-align:center;white-space:nowrap}
.guide-cta-sample1-button strong{color:#fff;font-size:33px;font-weight:400;line-height:1;text-align:right;transition:transform .18s ease}
.guide-cta-sample1-button:hover,.guide-cta-sample1-button:focus-visible{transform:translateY(-2px);filter:brightness(1.03);box-shadow:0 12px 24px rgba(8,145,143,.28)}
.guide-cta-sample1-button:hover strong,.guide-cta-sample1-button:focus-visible strong{transform:translateX(3px)}
.guide-cta-sample1-button:focus-visible{outline:3px solid rgba(8,165,155,.22);outline-offset:3px}
.guide-cta-sample1-action small{display:block;margin-top:8px;text-align:center;color:#667085;font-size:12px;font-weight:700}.guide-cta-sample1-action small b{color:#079b93;font-size:14px}
@media(max-width:980px){.guide-cta.guide-cta-sample1{grid-template-columns:76px minmax(0,1fr);gap:20px 22px;padding:27px 25px}.guide-cta-sample1-action{grid-column:1/-1}.guide-cta-sample1-copy h2{white-space:normal}}
@media(max-width:760px){.guide-cta.guide-cta-sample1{grid-template-columns:1fr;gap:18px;padding:25px 21px}.guide-cta-sample1-icon{display:none}.guide-cta-sample1-action{grid-column:auto}.guide-cta-desktop-break{display:none}.guide-cta-sample1-button{min-height:64px;padding:0 16px}.guide-cta-sample1-button span{font-size:17px;white-space:normal}}


/* CTA width fix: allow the CTA card to extend beyond the 780px article column */
.guide-content .guide-cta-sample1{
  width:min(960px,calc(100vw - 48px));
  max-width:none;
  margin-left:50%;
  transform:translateX(-50%);
  box-sizing:border-box;
}
@media(max-width:980px){
  .guide-content .guide-cta-sample1{
    width:100%;
    margin-left:0;
    transform:none;
  }
}

/* mobile guide article images: preserve full image without cropping */
@media(max-width:760px){
  .guide-page .guide-hero-image img,
  .guide-page .guide-body-image img{
    width:100%;
    height:auto !important;
    max-height:none !important;
    object-fit:contain !important;
    object-position:center center !important;
  }
}


/* Insurance news: related links and source */
.news-related-section{margin-top:42px}
.guide-related{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
  margin-top:16px;
}
.news-related-card{
  display:flex;
  flex-direction:column;
  min-height:150px;
  padding:20px;
  border:1px solid var(--line);
  border-radius:16px;
  background:#fff;
  text-decoration:none;
  box-shadow:0 4px 16px rgba(20,38,68,.05);
  transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease;
}
.news-related-card:hover,
.news-related-card:focus-visible{
  transform:translateY(-2px);
  border-color:#b9c8dc;
  box-shadow:0 8px 22px rgba(20,38,68,.09);
}
.news-related-type{
  margin-bottom:8px;
  color:var(--blue);
  font-size:13px;
  font-weight:800;
}
.news-related-card strong{
  display:block;
  color:var(--ink);
  font-size:17px;
  line-height:1.45;
}
.news-related-card>span:not(.news-related-type){
  display:block;
  margin-top:8px;
  color:#617086;
  font-size:14px;
  line-height:1.65;
}
.news-related-card em{
  margin-top:auto;
  padding-top:12px;
  color:var(--blue);
  font-size:14px;
  font-style:normal;
  font-weight:800;
}
.news-source{
  display:flex;
  gap:8px;
  margin-top:34px;
  padding-top:14px;
  border-top:1px solid var(--line);
  color:#8792a3;
  font-size:12px;
  line-height:1.6;
}
.news-source strong{flex:0 0 auto;color:#6f7b8c}
@media (max-width:720px){
  .guide-related{grid-template-columns:1fr}
  .news-related-card{min-height:0;padding:18px}
  .news-related-card strong{font-size:16px}
  .news-source{display:block}
  .news-source strong{display:block;margin-bottom:2px}
}

/* Blog list card media height normalization */
.blog-list-page .guide-list .guide-card-media{height:300px}
.blog-list-page .guide-list .guide-card-media img{display:block;width:100%;height:100%;min-height:0;max-height:none;object-fit:cover}
@media(max-width:760px){
  .blog-list-page .guide-list .guide-card-media{height:230px}
  .blog-list-page .guide-list .guide-card-media img{height:100%;min-height:0;max-height:none}
}
/* SHEKIRU first-day neutral information site */
.brand-dot{width:34px;height:34px;border-radius:11px;background:linear-gradient(135deg,var(--teal),#58c8bd);color:#fff;display:inline-grid;place-items:center;font-size:18px;font-weight:900;margin-right:9px}.logo{display:flex;align-items:center;color:#14294c}.hero-grid{grid-template-columns:48% 52%}.hero-art{position:relative;min-height:500px;overflow:visible}.visual-card{position:absolute;background:#fff;border:1px solid #e5edf2;box-shadow:0 20px 55px rgba(52,87,119,.12)}.visual-main{width:380px;height:270px;right:70px;top:90px;border-radius:28px;padding:38px}.visual-main span{font-size:14px;font-weight:850;color:var(--teal)}.visual-main strong{display:block;margin-top:20px;font-size:31px;line-height:1.4;letter-spacing:-1.5px}.visual-lines{margin-top:28px}.visual-lines i{display:block;height:9px;border-radius:9px;background:#e8f2f4;margin-top:10px}.visual-lines i:nth-child(1){width:90%}.visual-lines i:nth-child(2){width:70%}.visual-lines i:nth-child(3){width:82%}.visual-small{width:155px;height:112px;border-radius:20px;padding:23px;color:#7b8a9c;font-size:11px;letter-spacing:1px}.visual-small b{display:block;color:#21354f;font-size:15px;letter-spacing:-.5px;margin-top:10px}.visual-small.one{left:15px;top:80px;transform:rotate(-4deg)}.visual-small.two{right:10px;bottom:55px;transform:rotate(5deg)}.orb{position:absolute;width:240px;height:240px;border-radius:50%;background:linear-gradient(135deg,rgba(29,167,157,.15),rgba(56,124,210,.08));right:180px;top:10px;z-index:-1}.category-grid{grid-template-columns:225px repeat(5,1fr)}.category-card{cursor:default}.category-icon{width:68px;height:68px;margin:4px auto 12px;border-radius:20px;background:linear-gradient(180deg,#effafa,#f7fbff);font-size:34px;color:var(--teal)}.status{border:1px solid #d9e8e8;background:#f5fbfb;color:var(--teal-dark);font-size:12px;font-weight:850;padding:9px 12px;border-radius:9px}.empty-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.empty-card{min-height:185px;border:1px dashed #d8e3e9;border-radius:16px;padding:27px;background:linear-gradient(145deg,#fff,#f8fbfd)}.empty-card span{font-size:11px;font-weight:900;color:var(--teal);letter-spacing:1.5px}.empty-card h3{margin:18px 0 9px;font-size:19px}.empty-card p{margin:0;color:#718095;font-size:13px;line-height:1.7}.story-placeholder{padding:38px;border-radius:16px;background:linear-gradient(135deg,#eef9f8,#f4f8fd)}.story-placeholder strong{font-size:20px}.story-placeholder p{margin:10px 0 0;color:#68798e;font-size:14px}.footer-inner{grid-template-columns:1fr auto}.footer-logo{font-size:21px}.footer-inner p{color:#7c8999;font-size:13px;margin:10px 0 0}.footer-note{color:#8a95a5;font-size:12px}
@media(max-width:1180px){.category-grid{grid-template-columns:repeat(3,1fr)}.category-intro{grid-column:1/-1}.visual-main{right:20px}.visual-small.one{left:0}}
@media(max-width:760px){.hero-grid{grid-template-columns:1fr}.hero-art{min-height:330px;height:330px;margin-top:20px}.visual-main{width:78%;height:220px;right:5%;top:45px;padding:27px}.visual-main strong{font-size:24px}.visual-small{width:125px;height:90px;padding:16px}.visual-small.one{left:0;top:15px}.visual-small.two{right:0;bottom:10px}.category-grid{grid-template-columns:1fr 1fr}.category-intro{grid-column:1/-1}.empty-grid{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr;text-align:center}.footer-logo{justify-content:center}}

/* SHEKIRU mint identity — 2026-08-05 */
:root{
  --ink:#173d38;
  --text:#365b55;
  --muted:#6f8b86;
  --line:#dcece8;
  --bg:#f3fbf8;
  --blue:#159b86;
  --teal:#20b89e;
  --teal-dark:#128c78;
  --soft:#e9f8f3;
}
body{background:linear-gradient(180deg,#f7fdfb 0,#eef9f5 100%)}
.site-header{border-bottom-color:rgba(22,119,100,.09)}
.logo,.logo span{color:#174b43}.brand-dot{color:#20b89e!important}
.hero{background:radial-gradient(circle at 77% 18%,rgba(184,240,224,.68),transparent 30%),radial-gradient(circle at 86% 64%,rgba(211,248,237,.72),transparent 25%),#fff}
.hero-desc{color:#55736d}
.panel{border-color:#e4f1ed;box-shadow:0 18px 48px rgba(35,116,98,.07)}
.category-card{border-color:#deece8}.category-card:hover{border-color:#9fdacb;box-shadow:0 12px 25px rgba(31,133,110,.10)}
.category-card span,.why-item p,.guide-head p{color:#6a8580}
.category-icon{color:#159b86}
.why-grid{border-color:#e1efeb}.why-item:not(:last-child)::after{border-color:#cfe4de}.why-icon{background:linear-gradient(180deg,#e5f8f2,#f7fcfa);color:#159b86}
.status{color:#128c78!important;background:#e8f8f3!important;border-color:#c8eae0!important}
.empty-card{border-color:#dcece7!important;background:#fbfefd!important}.empty-card span{color:#159b86!important}
.story-placeholder{border-color:#cfe7df!important;background:#f1faf7!important}
.footer{border-top:1px solid #e3f0ec}
.visual-main{background:linear-gradient(145deg,#159b86,#22bda1)!important;box-shadow:0 28px 55px rgba(20,139,116,.22)!important}
.visual-small{border-color:#d6ebe5!important;box-shadow:0 16px 34px rgba(29,119,100,.10)!important}
.orb{background:linear-gradient(145deg,#b9f0df,#75d7bd)!important;opacity:.9}