/* Types of life insurance — Choice Mutual–inspired educational guide */

.lip-page {
  --lip-navy: #1a365d;
  --lip-blue: #0d47a1;
  --lip-blue-soft: #e8f1fc;
  --lip-teal-bar: #d7ebf5;
  --lip-ink: #1f2937;
  --lip-muted: #475569;
  color: var(--lip-ink);
  background: #fff;
}

.lip-toc {
  background: var(--lip-teal-bar);
  border-bottom: 1px solid #c5dde8;
}

.lip-toc .container {
  max-width: 1100px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem 1rem;
  padding-top: 0.55rem;
  padding-bottom: 0.55rem;
}

.lip-toc-label {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  color: var(--lip-navy);
  font-size: 0.88rem;
  font-weight: 700;
}

.lip-toc-label i {
  font-size: 0.95rem;
  opacity: 0.85;
}

.lip-toc-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.85rem;
}

.lip-toc-nav a {
  color: var(--lip-blue);
  font-size: 0.8rem;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
}

.lip-toc-nav a:hover {
  text-decoration: underline;
}

.lip-hero {
  position: relative;
  overflow: hidden;
  background: #0b3a7a;
  color: #fff;
  padding: 2.5rem 0 2.75rem;
  isolation: isolate;
}

.lip-hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
}

.lip-hero-media picture,
.lip-hero-media img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
}

/* Soften art under copy — fade stronger toward the left */
.lip-hero-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    90deg,
    #0b3a7a 0%,
    #0b3a7a 22%,
    rgba(11, 58, 122, 0.92) 38%,
    rgba(13, 71, 161, 0.55) 55%,
    rgba(30, 136, 229, 0.18) 72%,
    transparent 88%
  );
  pointer-events: none;
}

.lip-hero .container,
.lip-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 1100px;
}

.lip-hero-copy {
  max-width: min(36rem, 58%);
}

@media (max-width: 768px) {
  .lip-hero-copy {
    max-width: 100%;
  }

  .lip-hero-media {
    opacity: 0.55;
  }

  .lip-hero-media::after {
    background: linear-gradient(
      180deg,
      rgba(11, 58, 122, 0.88) 0%,
      rgba(11, 58, 122, 0.78) 55%,
      rgba(11, 58, 122, 0.92) 100%
    );
  }
}

.lip-breadcrumb {
  margin: 0 0 0.85rem;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  opacity: 0.9;
}

.lip-breadcrumb a {
  color: rgba(255, 255, 255, 0.92);
  text-decoration: none;
}

.lip-breadcrumb a:hover {
  text-decoration: underline;
}

.lip-hero h1 {
  margin: 0 0 1rem;
  max-width: 18ch;
  font-size: clamp(1.85rem, 3.2vw, 2.65rem);
  font-weight: 800;
  line-height: 1.15;
  color: #fff;
  text-shadow: 0 1px 12px rgba(11, 58, 122, 0.35);
}

.lip-hero-lead {
  margin: 0;
  max-width: 42rem;
  font-size: 1.05rem;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.94);
  text-shadow: 0 1px 10px rgba(11, 58, 122, 0.3);
}

.lip-hero-lead + .lip-hero-lead {
  margin-top: 0.85rem;
}

.lip-main {
  padding: 2rem 0 3.5rem;
  background: #fff;
}

.lip-main .container {
  max-width: 1100px;
}

.lip-compare {
  background:
    radial-gradient(ellipse at 12% 18%, rgba(255, 255, 255, 0.1), transparent 42%),
    radial-gradient(ellipse at 88% 75%, rgba(13, 71, 161, 0.35), transparent 48%),
    linear-gradient(160deg, #0b3a7a 0%, #1565c0 48%, #0d47a1 100%);
  padding: 1.75rem 0 2rem;
}

.lip-compare-inner {
  max-width: min(1280px, calc(100% - 1.5rem));
  margin-left: auto;
  margin-right: auto;
  padding-left: 0.75rem;
  padding-right: 0.75rem;
}

.lip-table-wrap {
  overflow-x: auto;
  margin: 0;
  border-radius: 0.25rem;
  background: transparent;
  box-shadow: 0 12px 36px rgba(15, 23, 42, 0.28);
}

.lip-table {
  width: 100%;
  min-width: 980px;
  margin: 0;
  border-collapse: collapse;
  font-size: 0.86rem;
  table-layout: fixed;
}

.lip-table th,
.lip-table td {
  padding: 0.85rem 0.7rem;
  border: 1px solid #c5d4e8;
  vertical-align: middle;
}

.lip-table thead th {
  background: #0d47a1;
  color: #fff;
  font-weight: 700;
  text-align: center;
  line-height: 1.25;
  white-space: normal;
  hyphens: auto;
}

.lip-table thead th:first-child {
  text-align: left;
  width: 18%;
  background: #1a365d;
}

.lip-table tbody th {
  background: #243b6b;
  color: #fff;
  font-weight: 700;
  text-align: left;
  white-space: normal;
  width: 18%;
}

.lip-table tbody th a {
  color: #fff;
  text-decoration: none;
}

.lip-table tbody th a:hover {
  color: #f2c94c;
  text-decoration: underline;
}

.lip-table tbody td {
  background: #fff;
  color: #334155;
  text-align: center;
  font-weight: 600;
}

.lip-table tbody tr:nth-child(even) td {
  background: #f3f7fc;
}

.lip-table tbody tr:hover td {
  background: #fff8e6;
}

.lip-table-note {
  margin: 0.85rem 0 0;
  max-width: 52rem;
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.8125rem;
  line-height: 1.45;
}

.lip-section {
  margin: 0 0 2.25rem;
  padding: 0;
  background: transparent;
  border-radius: 0;
  box-shadow: none;
}

.lip-section h2 {
  margin: 0 0 0.75rem;
  color: #1a202c;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.45rem, 2.2vw, 1.85rem);
  font-weight: 700;
  line-height: 1.2;
}

.lip-section p {
  margin: 0 0 0.85rem;
  color: var(--lip-muted);
  font-size: 1.02rem;
  line-height: 1.65;
}

.lip-section p a {
  color: var(--lip-blue);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.lip-key {
  margin: 1.1rem 0 0;
  padding: 1.05rem 1.15rem;
  background: #edf5f8;
  border-radius: 0.35rem;
}

.lip-key h3 {
  margin: 0 0 0.65rem;
  color: var(--lip-navy);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.lip-key ul {
  margin: 0;
  padding: 0;
  list-style: none;
  color: var(--lip-navy);
}

.lip-key li {
  position: relative;
  margin: 0.45rem 0;
  padding-left: 1.45rem;
  line-height: 1.45;
}

.lip-key li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.28rem;
  width: 0.95rem;
  height: 0.95rem;
  border-radius: 50%;
  background: #0d47a1 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%23fff' d='M6.2 11.1 3.1 8l1.1-1.1 2 2 5-5L12.3 5z'/%3E%3C/svg%3E") center / 0.7rem no-repeat;
}

.lip-more {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-top: 0.95rem;
  color: var(--lip-blue);
  font-weight: 700;
  text-decoration: none;
}

.lip-more:hover {
  text-decoration: underline;
}

.lip-more i {
  font-size: 0.9em;
  opacity: 0.9;
}

.lip-aside {
  position: sticky;
  top: 6.5rem;
}

.lip-quote-widget {
  overflow: hidden;
  border-radius: 0.35rem;
  border: 1px solid #dbe5ef;
  background: #fff;
  box-shadow: 0 10px 28px rgba(15, 23, 42, 0.1);
}

.lip-quote-head {
  padding: 1.1rem 1.1rem 1.2rem;
  background: #2a3645;
  color: #fff;
}

.lip-quote-head h2 {
  margin: 0 0 0.65rem;
  font-size: 1.1rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.25;
}

.lip-quote-head ul {
  margin: 0;
  padding: 0 0 0 1.05rem;
  font-size: 0.86rem;
  line-height: 1.45;
  color: rgba(255, 255, 255, 0.92);
}

.lip-quote-body {
  padding: 1rem 1rem 1.15rem;
}

.lip-quote-step {
  display: inline-block;
  margin-bottom: 0.65rem;
  padding: 0.28rem 0.7rem;
  border-radius: 999px;
  background: #0d47a1;
  color: #fff;
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.04em;
}

.lip-quote-progress {
  height: 4px;
  margin: 0 0 1rem;
  border-radius: 999px;
  background: #e2e8f0;
  overflow: hidden;
}

.lip-quote-progress > span {
  display: block;
  width: 18%;
  height: 100%;
  background: #0d47a1;
}

.lip-quote-q {
  margin: 0 0 0.85rem;
  color: var(--lip-navy);
  font-size: 1.05rem;
  font-weight: 700;
  text-align: center;
}

.lip-quote-choices {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.55rem;
}

.lip-quote-choices a {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 3rem;
  border: 1.5px solid #0d47a1;
  border-radius: 0.35rem;
  background: #fff;
  color: #0d47a1;
  font-weight: 700;
  text-decoration: none;
}

.lip-quote-choices a:hover {
  background: #e8f1fc;
}

.lip-carriers {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.65rem 0.75rem;
  align-items: center;
  margin-top: 1.1rem;
  padding-top: 0.95rem;
  border-top: 1px solid #e5e7eb;
}

.lip-carriers img {
  display: block;
  width: auto;
  max-width: 100%;
  max-height: 28px;
  margin: 0 auto;
  object-fit: contain;
  filter: grayscale(1);
  opacity: 0.7;
}

.lip-faq {
  margin-top: 0.25rem;
  padding-top: 0.5rem;
}

.lip-faq h2 {
  margin: 0 0 1rem;
  color: #1a202c;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.45rem, 2.2vw, 1.85rem);
  font-weight: 700;
}

.lip-faq details {
  margin: 0;
  padding: 0.95rem 0;
  background: transparent;
  border: 0;
  border-bottom: 1px solid #dbe5ef;
  border-radius: 0;
  box-shadow: none;
}

.lip-faq summary {
  list-style: none;
  cursor: pointer;
  color: var(--lip-navy);
  font-weight: 700;
  font-size: 1.02rem;
  padding-left: 1.6rem;
  position: relative;
}

.lip-faq summary::-webkit-details-marker {
  display: none;
}

.lip-faq summary::before {
  content: "+";
  position: absolute;
  left: 0;
  top: 0;
  color: #0d47a1;
  font-size: 1.25rem;
  font-weight: 700;
  line-height: 1;
}

.lip-faq details[open] summary::before {
  content: "−";
}

.lip-faq details p {
  margin: 0.7rem 0 0.15rem 1.6rem;
  color: var(--lip-muted);
  line-height: 1.6;
}

.lip-faq details p a {
  color: var(--lip-blue);
  font-weight: 600;
}

.lip-note {
  margin: 1.5rem 0 0;
  padding: 0.85rem 1rem;
  border-left: 3px solid #0d47a1;
  background: #f8fafc;
  color: var(--lip-muted);
  font-size: 0.9rem;
  border-radius: 0 0.4rem 0.4rem 0;
}

.lip-meta {
  margin: 2rem 0 0;
  border: 1px solid #dbe5ef;
  border-radius: 0.35rem;
  background: #fff;
  overflow: hidden;
}

.lip-meta-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  border-bottom: 1px solid #dbe5ef;
  background: #f8fafc;
}

.lip-meta-tab {
  appearance: none;
  border: 0;
  border-bottom: 2px solid transparent;
  background: transparent;
  padding: 0.85rem 1rem;
  color: #64748b;
  font: inherit;
  font-size: 0.92rem;
  font-weight: 700;
  cursor: pointer;
}

.lip-meta-tab.is-active,
.lip-meta-tab[aria-selected="true"] {
  color: #0d47a1;
  border-bottom-color: #0d47a1;
  background: #fff;
}

.lip-meta-panel {
  display: none;
  padding: 1.15rem 1.15rem 1.25rem;
}

.lip-meta-panel.is-active {
  display: block;
}

.lip-author {
  display: grid;
  grid-template-columns: 72px minmax(0, 1fr);
  gap: 0.95rem;
  align-items: start;
}

.lip-author img {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  display: block;
}

.lip-author h3 {
  margin: 0 0 0.15rem;
  color: var(--lip-navy);
  font-size: 1.05rem;
  font-weight: 800;
}

.lip-author .lip-author-role {
  margin: 0 0 0.55rem;
  color: #64748b;
  font-size: 0.88rem;
  font-weight: 600;
}

.lip-author p {
  margin: 0;
  color: var(--lip-muted);
  font-size: 0.92rem;
  line-height: 1.55;
}

.lip-author-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 0.7rem;
}

.lip-author-links a {
  color: #0d47a1;
  font-size: 0.88rem;
  font-weight: 700;
  text-decoration: none;
}

.lip-author-links a:hover {
  text-decoration: underline;
}

.lip-sources p,
.lip-editors p,
.lip-history p {
  margin: 0 0 0.75rem;
  color: var(--lip-muted);
  font-size: 0.95rem;
  line-height: 1.55;
}

.lip-sources ol {
  margin: 0;
  padding-left: 1.2rem;
  color: var(--lip-navy);
}

.lip-sources li {
  margin: 0.35rem 0;
  line-height: 1.45;
}

.lip-sources a {
  color: #0d47a1;
  font-weight: 600;
}

.lip-helpful {
  margin: 1.25rem 0 0;
  padding: 1.15rem 1.15rem 1.25rem;
  border: 1px solid #dbe5ef;
  border-radius: 0.35rem;
  background: #fff;
}

.lip-helpful h2 {
  margin: 0 0 0.85rem;
  color: #1a202c;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.25rem;
  font-weight: 700;
}

.lip-helpful-scale {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 0.4rem;
}

.lip-helpful-scale label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
  margin: 0;
  cursor: pointer;
}

.lip-helpful-scale span {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  min-height: 2.4rem;
  border-radius: 0.3rem;
  background: #0d47a1;
  color: #fff;
  font-weight: 800;
}

.lip-helpful-scale small {
  color: #64748b;
  font-size: 0.68rem;
  text-align: center;
  line-height: 1.2;
}

.lip-helpful-scale input {
  accent-color: #0d47a1;
}

@media (max-width: 575.98px) {
  .lip-helpful-scale {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .lip-author {
    grid-template-columns: 64px minmax(0, 1fr);
  }
}

@media (max-width: 991.98px) {
  .lip-aside {
    position: static;
  }

  .lip-toc-nav {
    width: 100%;
  }
}