/* ==========================================================================
   Reinsurly — site.css
   Shared across every page: tokens, base type, header, footer,
   cookie banner, scroll-to-top, buttons and the content-page layout.
   Page-specific styling for the Atlas app lives in app.css.
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:ital,wght@0,400;0,500;0,600;1,400&family=IBM+Plex+Serif:ital,wght@0,400;0,600;1,400&family=IBM+Plex+Mono:wght@400;500;600&display=swap');

/* ============================ TOKENS ============================ */
:root{
  --ground:#EFF4F9;
  --panel:#FFFFFF;
  --panel-2:#F7FAFD;
  --ink:#0E1F2E;
  --ink-2:#20323F;
  --muted:#465D6E;
  --line:#D5E2EC;
  --line-soft:#E6EEF5;
  --accent:#1A8FCB;
  --accent-deep:#0A5E88;
  --accent-wash:#E1F0FA;
  --accent-ring:rgba(26,143,203,.32);
  --good:#1C7A5E;  --good-wash:#E1F2ED;
  --bad:#B24239;   --bad-wash:#FBE9E7;
  --flat:#8A6A2C;  --flat-wash:#F8EFDD;
  --b1:#0C5D87; --b2:#1A8FCB; --b3:#14877C; --b4:#3D62A6; --b5:#77689F;
  --shadow-sm:0 1px 2px rgba(14,31,46,.06), 0 2px 8px rgba(14,31,46,.05);
  --shadow-md:0 2px 4px rgba(14,31,46,.06), 0 12px 32px rgba(14,31,46,.10);
  --shadow-lg:0 -2px 8px rgba(14,31,46,.05), 0 -18px 50px rgba(14,31,46,.12);
  --sans:'IBM Plex Sans', ui-sans-serif, system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --serif:'IBM Plex Serif', Georgia, 'Times New Roman', serif;
  --mono:'IBM Plex Mono', ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --r-s:4px; --r-m:8px; --r-l:14px;
  --header-h:64px;
  --wrap:1360px;
  color-scheme:light;
}
/* Dark mode is opt-in only: it is applied when the visitor picks it from the
   header toggle, never automatically from the operating system setting. */
:root[data-theme="dark"]{
  color-scheme:dark;
  --ground:#071018; --panel:#0E1E29; --panel-2:#132836;
  --ink:#E7F1F8; --ink-2:#BBD0DF; --muted:#8CA6B8;
  --line:#1F3849; --line-soft:#182D3B;
  --accent:#4FBDF0; --accent-deep:#8FD6F7; --accent-wash:#10303F;
  --accent-ring:rgba(79,189,240,.34);
  --good:#4CC79E; --good-wash:#0E3630;
  --bad:#F08A80;  --bad-wash:#3A1D1A;
  --flat:#D9AE62; --flat-wash:#33280F;
  --b1:#4EA8D6; --b2:#5FC4F2; --b3:#48C0B3; --b4:#7E9EE0; --b5:#AC9BD8;
  --shadow-sm:0 1px 2px rgba(0,0,0,.4);
  --shadow-md:0 2px 6px rgba(0,0,0,.45), 0 16px 40px rgba(0,0,0,.4);
  --shadow-lg:0 -2px 8px rgba(0,0,0,.4), 0 -18px 50px rgba(0,0,0,.5);
}

/* ============================ BASE ============================ */
*{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{margin:0;padding:0}
body{
  background:var(--ground);color:var(--ink);
  font-family:var(--sans);font-size:15px;line-height:1.6;
  -webkit-font-smoothing:antialiased;
  min-height:100vh;display:flex;flex-direction:column;
}
img{max-width:100%;height:auto}
[hidden]{display:none !important}
a{color:var(--accent-deep);text-decoration:none}
a:hover{text-decoration:underline}
button{font-family:inherit;font-size:inherit;color:inherit;cursor:pointer;border:0;background:none}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:3px}
h1,h2,h3,h4{margin:0;text-wrap:balance;line-height:1.25}
p{margin:0}
.eyebrow{font-family:var(--mono);font-size:10.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--muted)}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
main{flex:1 0 auto}

.skip{
  position:absolute;left:8px;top:-60px;z-index:200;
  background:var(--accent);color:#fff;padding:9px 16px;border-radius:var(--r-m);
  font-size:13px;font-weight:500;transition:top .18s ease;
}
.skip:focus{top:8px;text-decoration:none}

/* ============================ BUTTONS ============================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:7px;
  padding:8px 15px;border-radius:var(--r-m);font-size:13.5px;font-weight:500;
  border:1px solid var(--line);background:var(--panel);color:var(--ink);
  text-decoration:none;white-space:nowrap;
}
.btn:hover{border-color:var(--accent);color:var(--accent-deep);text-decoration:none}
.btn.primary{background:var(--accent);border-color:var(--accent);color:#fff}
.btn.primary:hover{background:var(--accent-deep);border-color:var(--accent-deep);color:#fff}
.btn.on{background:var(--good-wash);border-color:var(--good);color:var(--good)}
.btn.ghost{border-color:transparent;background:transparent;color:var(--muted)}
.btn.ghost:hover{background:var(--panel-2);color:var(--ink)}
.icon-btn{
  width:34px;height:34px;border-radius:var(--r-m);display:grid;place-items:center;
  color:var(--muted);border:1px solid transparent;flex-shrink:0;
}
.icon-btn:hover{background:var(--panel-2);color:var(--ink);border-color:var(--line)}
.pill{
  display:inline-block;font-family:var(--mono);font-size:9px;letter-spacing:.1em;text-transform:uppercase;
  padding:2px 6px;border-radius:3px;background:var(--panel-2);color:var(--muted);
  border:1px solid var(--line-soft);white-space:nowrap;vertical-align:middle;
}

/* ============================ SITE HEADER ============================ */
.site-header{
  position:sticky;top:0;z-index:70;
  background:var(--panel);border-bottom:1px solid var(--line);
}
.header-inner{
  max-width:var(--wrap);margin:0 auto;padding:0 22px;
  height:var(--header-h);display:flex;align-items:center;gap:20px;
}
/* --- wordmark: text only, no tile and no strapline beneath it --- */
.brand{display:inline-flex;align-items:center;flex-shrink:0;min-width:0}
.brand:hover{text-decoration:none}
.brand-word{
  font-family:var(--serif);font-weight:600;
  font-size:clamp(20px,1.9vw,23px);line-height:1;
  letter-spacing:-.02em;color:var(--ink);white-space:nowrap;
}
.brand-lead{color:inherit}
.brand--footer .brand-word{font-size:clamp(21px,2vw,24px)}

.site-nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.site-nav a{
  padding:7px 12px;border-radius:var(--r-m);font-size:13.5px;color:var(--ink-2);
}
.site-nav a:hover{background:var(--panel-2);color:var(--ink);text-decoration:none}
.site-nav a[aria-current="page"]{color:var(--accent-deep);font-weight:500;background:var(--accent-wash)}
.header-tools{display:flex;align-items:center;gap:6px;flex-shrink:0}
.nav-toggle{display:none}

@media (max-width:860px){
  .nav-toggle{display:grid}
  .site-nav{
    position:absolute;top:var(--header-h);left:0;right:0;
    flex-direction:column;align-items:stretch;gap:1px;
    background:var(--panel);border-bottom:1px solid var(--line);
    padding:10px 16px 16px;box-shadow:var(--shadow-md);margin-left:0;
  }
  .site-nav[data-open="false"]{display:none}
  .site-nav a{padding:11px 12px;font-size:15px}
  .header-inner{gap:10px;padding:0 16px}
  .header-tools{margin-left:auto}
}
/* ============================ PAGE LAYOUT ============================ */
.wrap{max-width:var(--wrap);margin:0 auto;padding:24px 22px}
.page{max-width:820px;margin:0 auto;padding:38px 22px 20px}
.page-head{padding-bottom:22px;border-bottom:1px solid var(--line);margin-bottom:30px}
.page-head .eyebrow{color:var(--accent-deep)}
.page-head h1{font-family:var(--serif);font-size:clamp(28px,4.4vw,40px);font-weight:600;letter-spacing:-.02em;margin-top:9px}
.page-head .lede{font-size:17px;line-height:1.6;color:var(--ink-2);margin-top:13px;max-width:62ch}
.page-head .stamp{font-family:var(--mono);font-size:11.5px;color:var(--muted);margin-top:14px}

.page section{margin-bottom:30px}
.page h2{
  font-family:var(--serif);font-size:20px;font-weight:600;
  margin:0 0 12px;padding-top:6px;scroll-margin-top:80px;
}
.page h3{font-size:15.5px;font-weight:600;margin:20px 0 8px}
.page p{font-size:15.5px;line-height:1.72;color:var(--ink-2);margin-bottom:13px;max-width:70ch}
.page ul,.page ol{margin:0 0 15px;padding-left:20px;max-width:70ch}
.page li{font-size:15px;line-height:1.68;color:var(--ink-2);margin-bottom:7px}
.page strong{color:var(--ink);font-weight:600}
.page a{text-decoration:underline;text-underline-offset:2px}
.page hr{border:0;border-top:1px solid var(--line);margin:28px 0}

.note{
  background:var(--panel);border:1px solid var(--line);border-left:3px solid var(--accent);
  border-radius:var(--r-m);padding:15px 17px;margin:0 0 18px;
}
.note p{margin:0;font-size:14.5px}
.note .eyebrow{display:block;color:var(--accent-deep);margin-bottom:6px}
.note.warn{border-left-color:var(--flat)}
.note.warn .eyebrow{color:var(--flat)}

.deflist{border:1px solid var(--line);border-radius:var(--r-m);overflow:hidden;background:var(--panel);margin-bottom:18px}
.deflist div{display:grid;grid-template-columns:210px 1fr;gap:0;border-bottom:1px solid var(--line-soft)}
.deflist div:last-child{border-bottom:0}
.deflist dt{padding:11px 16px;font-size:13.5px;font-weight:500;color:var(--ink);background:var(--panel-2);margin:0}
.deflist dd{padding:11px 16px;margin:0;font-size:14px;color:var(--ink-2);line-height:1.6}
@media (max-width:600px){ .deflist div{grid-template-columns:1fr} .deflist dt{border-bottom:1px solid var(--line-soft)} }

.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:12px;margin-bottom:20px}
.tile{background:var(--panel);border:1px solid var(--line);border-radius:var(--r-m);padding:16px 18px}
.tile h3{margin:8px 0 6px;font-family:var(--serif);font-size:16px}
.tile p{font-size:14px;margin:0;color:var(--muted)}
.tile .eyebrow{color:var(--accent-deep)}

.field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px;max-width:560px}
.field label{font-size:13px;font-weight:500;color:var(--ink)}
.field input,.field select,.field textarea{
  font-family:var(--sans);font-size:14.5px;color:var(--ink);
  background:var(--panel);border:1px solid var(--line);border-radius:var(--r-m);
  padding:10px 12px;width:100%;
}
.field textarea{min-height:150px;resize:vertical;line-height:1.6}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-ring);
}
.form-note{font-size:13px;color:var(--muted);margin-top:10px;max-width:60ch}

/* ============================ SITE FOOTER ============================ */
.site-footer{
  flex-shrink:0;margin-top:34px;
  background:var(--panel);border-top:1px solid var(--line);
}
.footer-inner{max-width:var(--wrap);margin:0 auto;padding:34px 22px 20px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
.footer-brand .brand{margin-bottom:12px}
.footer-brand p{font-size:13px;line-height:1.65;color:var(--muted);max-width:36ch}
.footer-col h3{font-family:var(--mono);font-size:10.5px;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin-bottom:11px}
.footer-col ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:7px}
.footer-col a,.footer-col button{font-size:13.5px;color:var(--ink-2);text-align:left;padding:0}
.footer-col a:hover,.footer-col button:hover{color:var(--accent-deep);text-decoration:none}
.footer-bottom{
  max-width:var(--wrap);margin:0 auto;padding:16px 22px 26px;
  border-top:1px solid var(--line-soft);
  display:flex;flex-wrap:wrap;gap:12px 22px;align-items:baseline;
  font-size:12.5px;color:var(--muted);
}
.footer-bottom .disclaimer{flex:1;min-width:280px;line-height:1.6;max-width:78ch}
@media (max-width:860px){
  .footer-inner{grid-template-columns:1fr 1fr;gap:26px}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:520px){ .footer-inner{grid-template-columns:1fr} }

/* ============================ SCROLL TO TOP ============================ */
.to-top{
  position:fixed;right:20px;bottom:20px;z-index:65;
  width:42px;height:42px;border-radius:50%;
  background:var(--panel);border:1px solid var(--line);color:var(--ink-2);
  display:grid;place-items:center;box-shadow:var(--shadow-md);
  opacity:0;transform:translateY(12px);pointer-events:none;
  transition:opacity .22s ease, transform .22s ease, background .16s ease;
}
.to-top.show{opacity:1;transform:none;pointer-events:auto}
.to-top:hover{background:var(--accent);border-color:var(--accent);color:#fff}
@media (max-width:760px){ .to-top{right:14px;bottom:14px} }

/* ============================ COOKIE CONSENT ============================ */
.cookie{
  position:fixed;left:0;right:0;bottom:0;z-index:90;
  background:var(--panel);border-top:1px solid var(--line);box-shadow:var(--shadow-lg);
  transform:translateY(102%);transition:transform .34s cubic-bezier(.22,.8,.3,1);
}
.cookie.show{transform:none}
.cookie-inner{
  max-width:var(--wrap);margin:0 auto;padding:18px 22px;
  display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;
}
.cookie-copy{flex:1;min-width:280px}
.cookie-copy h2{font-family:var(--serif);font-size:16px;font-weight:600;margin-bottom:6px}
.cookie-copy p{font-size:13.5px;line-height:1.6;color:var(--ink-2);max-width:76ch}
.cookie-copy a{text-decoration:underline;text-underline-offset:2px}
.cookie-actions{display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.cookie-prefs{
  flex-basis:100%;border-top:1px solid var(--line-soft);margin-top:4px;padding-top:16px;
  display:flex;flex-direction:column;gap:10px;
}
.cookie-prefs[hidden]{display:none}
.pref{
  display:flex;gap:14px;align-items:flex-start;
  background:var(--panel-2);border:1px solid var(--line-soft);border-radius:var(--r-m);padding:13px 15px;
}
.pref-body{flex:1}
.pref-body h3{font-size:14px;font-weight:600;margin-bottom:3px}
.pref-body p{font-size:13px;color:var(--muted);line-height:1.55;max-width:70ch}
.switch{position:relative;flex-shrink:0;width:42px;height:24px;margin-top:2px}
.switch input{position:absolute;inset:0;opacity:0;width:100%;height:100%;margin:0;cursor:pointer}
.switch span{
  position:absolute;inset:0;border-radius:12px;background:var(--line);
  transition:background .18s ease;pointer-events:none;
}
.switch span::after{
  content:"";position:absolute;left:3px;top:3px;width:18px;height:18px;border-radius:50%;
  background:var(--panel);box-shadow:var(--shadow-sm);transition:transform .18s ease;
}
.switch input:checked + span{background:var(--accent)}
.switch input:checked + span::after{transform:translateX(18px)}
.switch input:disabled + span{opacity:.6}
.switch input:focus-visible + span{box-shadow:0 0 0 3px var(--accent-ring)}
@media (max-width:760px){
  .cookie-inner{padding:16px 14px;gap:14px}
  .cookie-actions{width:100%}
  .cookie-actions .btn{flex:1}
}

/* ============================ PRINT ============================ */
@media print{
  .site-header,.site-footer,.to-top,.cookie,.skip{display:none !important}
  body{background:#fff;color:#000;font-size:11pt}
  .page,.wrap{max-width:none;padding:0}
  a{color:#000}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{animation-duration:.01ms !important;transition-duration:.01ms !important}
}