/* Same visual system as the globalinsurancemall.com home page */
*{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#0A1628;--navy2:#0D1F3C;--accent:#2563EB;--accent2:#3B82F6;--gold:#F59E0B;--green:#10B981;--white:#FFFFFF;--muted:#94A3B8;--line:rgba(255,255,255,0.08)}
body{font-family:'Segoe UI',system-ui,sans-serif;background:var(--navy);color:var(--white);line-height:1.6}
a{text-decoration:none;color:inherit}
.container{max-width:1200px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:var(--accent);padding:8px;z-index:999}

/* NAVBAR (identical to home) */
.navbar{background:rgba(10,22,40,0.97);backdrop-filter:blur(10px);position:sticky;top:0;z-index:200;border-bottom:1px solid rgba(255,255,255,0.08)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:12px}
.nav-logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.05rem;white-space:nowrap}
.nav-globe{width:38px;height:38px;background:var(--accent);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.3rem;flex-shrink:0}
.brand-sub{font-size:0.58rem;color:#94A3B8;letter-spacing:1px;text-transform:uppercase;display:block;font-weight:400}
.nav-links{display:flex;gap:2px;align-items:center}
.nav-links a{padding:6px 10px;border-radius:6px;font-size:0.83rem;color:#CBD5E1;transition:all .2s;white-space:nowrap}
.nav-links a:hover{background:rgba(255,255,255,0.08);color:var(--white)}
.nav-cta{background:var(--accent);color:var(--white)!important;padding:8px 16px!important;border-radius:8px!important;font-weight:600}
.nav-cta:hover{background:#1D4ED8!important}
.lang-select{background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);color:var(--white);padding:6px 10px;border-radius:6px;font-size:0.8rem;flex-shrink:0}
.lang-select:hover{background:rgba(255,255,255,0.15)}
.hamburger{display:none;background:none;border:none;color:var(--white);font-size:1.4rem;cursor:pointer;padding:4px;flex-shrink:0}

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 40%,#0F2D52 100%);padding:48px 0 40px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-50%;right:-10%;width:600px;height:600px;background:radial-gradient(circle,rgba(37,99,235,0.12),transparent 70%);pointer-events:none}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(37,99,235,0.15);border:1px solid rgba(37,99,235,0.3);border-radius:20px;padding:5px 14px;font-size:0.76rem;color:#93C5FD;margin-bottom:14px}
.hero h1{font-size:clamp(1.8rem,4vw,2.8rem);font-weight:800;line-height:1.2;margin-bottom:12px;max-width:820px}
.hero-sub{font-size:1rem;color:#94A3B8;max-width:720px}
.hero-sub a{color:var(--accent2)}
.section-label{font-size:0.76rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--accent2);margin-bottom:6px}
.section-title{font-size:clamp(1.3rem,2.6vw,1.9rem);font-weight:800;margin-bottom:8px}
.section-sub{color:#94A3B8;max-width:620px;font-size:.95rem}
.crumbs{font-size:.8rem;color:#64748B;padding-top:16px;padding-bottom:4px}.crumbs a{color:#94A3B8}.crumbs a:hover{color:var(--white)}
.crumbs+.hero{padding-top:28px}

/* CAROUSEL */
.car-sec{padding:44px 0}
.car-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:18px}
.car-nav{display:flex;gap:8px;flex-shrink:0}
.car-btn{width:42px;height:42px;border-radius:50%;border:1px solid rgba(255,255,255,0.15);background:rgba(255,255,255,0.06);font-size:1.4rem;cursor:pointer;color:var(--white);transition:all .2s}
.car-btn:hover{background:var(--accent);border-color:var(--accent)}
.car-track{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(260px,1fr);gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 2px 16px;scrollbar-width:thin;scrollbar-color:#1E3A5F transparent}
@media(min-width:900px){.car-track{grid-auto-columns:calc((100% - 54px)/4)}}
.pcard{scroll-snap-align:start;background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:16px;padding:22px;display:flex;flex-direction:column;transition:all .25s}
.pcard:hover{background:rgba(255,255,255,0.08);border-color:rgba(37,99,235,0.4);transform:translateY(-3px);box-shadow:0 12px 30px rgba(0,0,0,0.3)}
.plogo{width:60px;height:60px;border-radius:12px;background:#fff;display:flex;align-items:center;justify-content:center;overflow:hidden;flex-shrink:0}
.plogo img{width:40px;height:40px;object-fit:contain}
.pini{font-weight:800;color:var(--navy);font-size:1.15rem}
.pcat{margin-top:14px;font-size:0.7rem;color:var(--accent2);text-transform:uppercase;letter-spacing:1px;font-weight:700}
.pcard h3{margin:.25em 0 .2em;font-size:1.05rem;font-weight:700}
.ptag{margin:0 0 12px;color:#94A3B8;font-size:.85rem;line-height:1.5}
.pben{margin:0 0 14px;padding:0;list-style:none;font-size:.82rem;flex:1;color:#CBD5E1}
.pben li{padding:6px 0 6px 22px;position:relative;border-top:1px solid rgba(255,255,255,0.06)}
.pben li:before{content:"✓";position:absolute;left:2px;color:#6EE7B7;font-weight:800}
.pact{display:flex;flex-direction:column;gap:8px}
.pbtn{display:block;text-align:center;background:linear-gradient(135deg,var(--accent),#1D4ED8);color:var(--white)!important;padding:10px 14px;border-radius:8px;font-weight:700;font-size:.88rem;transition:opacity .2s;white-space:nowrap}
.pbtn:hover{opacity:.88}
.pguide{font-size:.8rem;text-align:center;color:var(--accent2)}
.pguide:hover{color:var(--white)}
.pgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:18px;padding:8px 0 48px}
.pgrid>div{scroll-margin-top:84px}.pgrid .pcard{height:100%}

/* BLOG CARDS */
.bsec{padding:22px 0}.bsec h2{font-size:1.25rem;font-weight:800;margin-bottom:12px}.bsec h2 small{font-weight:500;color:#64748B;font-size:.8rem;margin-left:6px;text-transform:uppercase;letter-spacing:1px}
.bgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:18px}
.bcard{display:flex;flex-direction:column;background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:16px;padding:22px;transition:all .25s}
.bcard:hover{background:rgba(255,255,255,0.08);border-color:rgba(37,99,235,0.4);transform:translateY(-3px)}
.bcard h3{margin:.35em 0;font-size:1.02rem;line-height:1.35}.bcard p{margin:0 0 12px;color:#94A3B8;font-size:.85rem;flex:1}
.bcat{font-size:.7rem;text-transform:uppercase;letter-spacing:1px;color:var(--accent2);font-weight:700}
.bmeta{font-size:.75rem;color:#64748B}

/* POST */
.post{max-width:860px;padding-top:18px;padding-bottom:28px}
.post-h h1{font-size:clamp(1.7rem,3.6vw,2.5rem);font-weight:800;line-height:1.2;margin:.1em 0 .4em}
.lead{font-size:1.08rem;color:#CBD5E1}
.byline{color:#64748B;font-size:.85rem;margin-top:10px}.byline b{color:#CBD5E1}
.lang-alt{margin-top:8px;font-size:.85rem}.lang-alt a{color:var(--accent2)}
.pbox{display:flex;align-items:center;gap:14px;background:rgba(245,158,11,0.07);border:1px solid rgba(245,158,11,0.4);border-radius:14px;padding:14px 16px;margin:22px 0}
.pbox .plogo{width:52px;height:52px}.pbox div:nth-child(2){flex:1}.pbox b{display:block}.pbox span{color:#94A3B8;font-size:.85rem}
.pbox .pbtn{background:linear-gradient(135deg,var(--gold),#D97706);color:#0A1628!important}
.toc{background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:14px;padding:16px 20px;margin:22px 0}
.toc b{font-size:.76rem;letter-spacing:2px;text-transform:uppercase;color:var(--accent2)}
.toc ol{margin:.6em 0 0;padding-left:20px;columns:2;column-gap:28px;font-size:.88rem;color:#CBD5E1}@media(max-width:640px){.toc ol{columns:1}}
.toc a:hover{color:var(--white)}
.prose{font-size:1.02rem;color:#E2E8F0}
.prose h2{font-size:1.45rem;font-weight:800;margin:1.7em 0 .5em;scroll-margin-top:84px;line-height:1.3;color:var(--white)}
.prose h3{font-size:1.1rem;margin:1.3em 0 .4em;color:#BFDBFE}
.prose p{margin:.8em 0}
.prose ul,.prose ol{padding-left:22px;margin:.6em 0}
.prose li{margin:.35em 0}
.prose strong{color:var(--white)}
.prose a{color:var(--accent2);text-decoration:underline;text-underline-offset:2px}
.prose blockquote{margin:1em 0;padding:12px 16px;background:rgba(245,158,11,0.08);border-left:4px solid var(--gold);border-radius:8px}
.tbl{overflow-x:auto;margin:1.1em 0;border-radius:12px;border:1px solid rgba(255,255,255,0.1)}
.prose table{border-collapse:collapse;width:100%;font-size:.9rem}
.prose th,.prose td{border-bottom:1px solid rgba(255,255,255,0.08);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:rgba(37,99,235,0.18);color:#BFDBFE;font-size:.8rem;text-transform:uppercase;letter-spacing:.5px}
.prose tr:nth-child(even) td{background:rgba(255,255,255,0.02)}
.rel{padding:20px 20px 10px}
.smap{padding:10px 20px 48px}.smap h2{font-size:1.3rem;font-weight:800;margin:1.2em 0 .4em}.smap h3{margin:1em 0 .3em;color:#BFDBFE;font-size:1rem}
.smap ul{padding-left:20px;color:#CBD5E1}.smap a:hover{color:var(--accent2)}

/* FOOTER (identical to home) */
.footer{background:#060E1A;border-top:1px solid rgba(255,255,255,0.07);padding:40px 0 20px;margin-top:20px}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;margin-bottom:24px}
.footer-brand .logo-text{font-size:1.05rem;font-weight:800;margin-bottom:6px}
.footer-brand .brand-tag{font-size:0.7rem;color:#475569;text-transform:uppercase;letter-spacing:1px;margin-bottom:10px}
.footer-brand p{font-size:0.8rem;color:#64748B;line-height:1.6;margin-bottom:8px}
.footer-brand a{color:#94A3B8}.footer-brand a:hover{color:var(--white)}
.footer-col h4{font-size:0.77rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:#64748B;margin-bottom:12px}
.footer-col a{display:block;font-size:0.83rem;color:#94A3B8;margin-bottom:7px;transition:color .2s}
.footer-col a:hover{color:var(--white)}
.footer-aff{font-size:.75rem;color:#475569;margin-bottom:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.06);padding-top:16px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px}
.footer-bottom p,.footer-love{font-size:0.78rem;color:#475569}
.wa-fab{position:fixed;bottom:24px;right:24px;z-index:450;width:54px;height:54px;background:linear-gradient(135deg,#25D366,#128C7E);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.4rem;box-shadow:0 6px 20px rgba(37,211,102,0.4);transition:transform .2s}
.wa-fab:hover{transform:scale(1.08)}

@media(max-width:900px){.footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:640px){
  .nav-links{display:none}.hamburger{display:block}
  .nav-links.open{display:flex;flex-direction:column;align-items:stretch;position:absolute;top:68px;left:0;right:0;background:rgba(10,22,40,0.98);padding:12px 20px;border-bottom:1px solid rgba(255,255,255,0.08)}
  .footer-top{grid-template-columns:1fr}
  .car-head{flex-direction:column;align-items:flex-start}
  .pbox{flex-wrap:wrap}.pbox .pbtn{width:100%}
}
.footer-net{border-top:1px solid rgba(255,255,255,0.06);padding:16px 0;margin-bottom:6px;font-size:.8rem;color:#475569;line-height:2}
.footer-net h4{font-size:0.77rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:#64748B;margin-bottom:4px}
.footer-net a{color:#94A3B8}.footer-net a:hover{color:var(--white)}

/* v4: quick answers, advisor tip, author box, contextual links */
.tldr{background:rgba(37,99,235,0.08);border:1px solid rgba(59,130,246,0.35);border-radius:14px;padding:18px 20px;margin:22px 0}
.tldr-t,.tip-t{font-weight:800;font-size:.8rem;text-transform:uppercase;letter-spacing:1px;color:var(--accent2);margin-bottom:8px}
.tldr ul{list-style:none;display:grid;gap:8px}.tldr li{font-size:.92rem;color:#CBD5E1;padding-left:16px;position:relative}
.tldr li::before{content:"";position:absolute;left:0;top:.62em;width:7px;height:7px;border-radius:50%;background:var(--accent2)}
.tldr li b{color:#fff}
.tip{background:rgba(16,185,129,0.08);border-left:4px solid var(--green);border-radius:0 12px 12px 0;padding:16px 20px;margin:28px 0}
.tip .tip-t{color:var(--green)}.tip p{margin:0 0 6px}.tip-by{color:#94A3B8;font-size:.85rem;font-style:italic}
.abox{display:flex;gap:16px;background:rgba(255,255,255,0.04);border:1px solid var(--line);border-radius:16px;padding:20px;margin:30px 0}
.aav{flex:0 0 64px;height:64px;border-radius:50%;background:linear-gradient(135deg,var(--accent),var(--gold));display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.3rem}
.abox p{margin:0 0 8px;color:#CBD5E1;font-size:.92rem}.abox .a-t{font-weight:800;color:#fff;font-size:1rem}
.abox a{color:var(--accent2)}.abox .a-note{color:#94A3B8;font-size:.82rem}
.abox .a-cta{display:inline-block;margin-top:4px;background:var(--green);color:#0A1628!important;font-weight:700;padding:8px 14px;border-radius:10px;font-size:.88rem}
.prose a.ilink{color:var(--accent2);border-bottom:1px dotted rgba(59,130,246,.6)}
.prose a.ilink:hover{border-bottom-style:solid}
@media(max-width:600px){.abox{flex-direction:column}}