/* Home Insurance Basics Canada — calm, trustworthy field-guide look */
:root {
  --ink: #14231f;
  --muted: #54665f;
  --accent: #0c6b5b;
  --accent-deep: #08473d;
  --gold: #b9852f;
  --bg: #ffffff;
  --wash: #f0f6f4;
  --line: #d9e5e1;
  --radius: 10px;
}
* { 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: 11px 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: 1.22rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--ink);
  text-decoration: none;
  white-space: nowrap;
}
.brand img { display: block; }
.tagline { color: var(--muted); margin: 0; font-size: .92rem; }

/* ---- hero ---- */
main { padding: 0 0 56px; }
.hero {
  margin: 26px 0 8px;
  padding: 0;
  border-radius: 18px;
  color: #fff;
  overflow: hidden;
  background:
    radial-gradient(1000px 340px at 90% -10%, rgba(255,255,255,.14), transparent 60%),
    linear-gradient(135deg, var(--accent-deep) 0%, var(--accent) 70%, #0f7d6a 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 34px;
  align-items: center;
  padding: 48px 44px;
}
.eyebrow {
  display: inline-block;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  background: rgba(255,255,255,.15);
  border: 1px solid rgba(255,255,255,.4);
  padding: 6px 14px;
  border-radius: 999px;
  color: #fff;
}
.hero h1 {
  font-size: clamp(2rem, 4.6vw, 2.9rem);
  line-height: 1.14;
  letter-spacing: -0.025em;
  margin: 16px 0 14px;
}
.lede { color: rgba(255,255,255,.92); font-size: 1.07rem; margin: 0 0 22px; max-width: 34em; }
.cta-row { display: flex; gap: 12px; flex-wrap: wrap; }
.btn {
  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;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(0,0,0,.3); }
.btn-ghost {
  display: inline-block;
  color: #fff;
  font-weight: 700;
  text-decoration: none;
  padding: 12px 24px;
  border-radius: 999px;
  border: 2px solid rgba(255,255,255,.65);
  transition: background .18s ease, border-color .18s ease;
}
.btn-ghost:hover { background: rgba(255,255,255,.14); border-color: #fff; }
.hero img {
  width: 100%;
  height: auto;
  border-radius: 14px;
  box-shadow: 0 18px 40px rgba(0,0,0,.28);
  aspect-ratio: 4 / 3;
  object-fit: cover;
}

/* ---- intro ---- */
.intro { padding: 8px 0 0; }
.intro h2 {
  font-size: 1.3rem;
  margin: 42px 0 14px;
  letter-spacing: -0.01em;
  display: flex; align-items: center; gap: 14px;
}
.intro h2::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.intro p { color: var(--muted); max-width: 60em; }

/* ---- 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 {
  display: grid;
  grid-template-columns: 210px 1fr;
  gap: 22px;
  align-items: center;
  position: relative;
  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 img {
  width: 210px; height: 140px;
  object-fit: cover;
  border-radius: 7px;
}
.card h3 { margin: 10px 0 8px; font-size: 1.16rem; letter-spacing: -0.01em; line-height: 1.35; }
.card h3 a { color: var(--ink); text-decoration: none; }
.card:hover { transform: translateY(-3px); box-shadow: 0 12px 28px rgba(12,107,91,.14); border-color: #bcd8d1; }
.card:hover h3 a { color: var(--accent); }
.card p { margin: 0; color: var(--muted); font-size: .97rem; }
.badge {
  display: inline-block;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--accent-deep);
  background: #e3efe9;
  border-radius: 999px;
  padding: 4px 13px;
}

/* ---- 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;
  max-width: 22em;
}
.meta {
  display: inline-block;
  color: var(--accent-deep);
  background: #e3efe9;
  font-size: .85rem;
  font-weight: 600;
  border-radius: 999px;
  padding: 5px 15px;
  margin-bottom: 26px;
}
.post-hero {
  margin: 0 0 10px;
}
.post-hero img {
  width: 100%; height: auto;
  border-radius: 12px;
  aspect-ratio: 16 / 8;
  object-fit: cover;
}
.post-hero figcaption { font-size: .82rem; color: var(--muted); margin-top: 8px; }
.post h2 {
  font-size: 1.32rem;
  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 p { margin: 0 0 16px; }
.post ul, .post ol { margin: 0 0 18px; padding-left: 24px; }
.post ul li, .post ol li { margin-bottom: 8px; }
.post strong { color: var(--ink); }
.callout {
  border-left: 4px solid var(--gold);
  background: #faf6ec;
  border-radius: 0 8px 8px 0;
  padding: 16px 20px;
  margin: 26px 0;
}
.callout p { margin: 0; color: #4a4234; }
.callout strong { color: #3d382a; }
.takeaways {
  border: 1px solid var(--line);
  background: var(--wash);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 30px 0;
}
.takeaways h3 { margin: 0 0 10px; font-size: 1.05rem; color: var(--accent-deep); }
.takeaways ul { margin: 0; }
.takeaways li { margin-bottom: 6px; }
.note {
  font-size: .9rem;
  color: var(--muted);
  border-top: 1px solid var(--line);
  padding-top: 16px;
  margin-top: 30px;
}
.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: 1.1rem;
  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: .78rem;
  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(12,107,91,.3); }
/* 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; /* shown automatically once ad code is pasted */
}

/* ---- footer ---- */
.site-footer {
  background: var(--wash);
  border-top: 3px solid var(--accent);
  padding: 26px 0 38px;
  color: var(--muted);
  font-size: 0.9rem;
}
.site-footer .ai-disclosure { font-size: .85em; opacity: .85; }
.disclaimer {
  border-left: 3px solid var(--gold);
  padding-left: 14px;
  font-style: italic;
}
.footer-nav a { color: var(--accent); text-decoration: none; font-weight: 600; }
.footer-nav a:hover { text-decoration: underline; }

/* ---- mobile ---- */
@media (max-width: 720px) {
  .wrap { padding: 0 18px; }
  .tagline { display: none; }
  .hero-grid { grid-template-columns: 1fr; padding: 36px 26px; gap: 24px; }
  .hero { margin: 16px 0 4px; }
  .card { grid-template-columns: 1fr; }
  .card img { width: 100%; height: 180px; }
  .posts h2, .intro h2 { margin: 36px 0 14px; }
  .post-hero img { aspect-ratio: 16 / 10; }
}