/* InsurGloss — 清爽参考风：白页眉 + 青色顶条，青色左描边词条卡（blue / cyan） */
:root{
  --bg:#FBFCFE;
  --panel:#ffffff;
  --ink:#0f172a;
  --muted:#64748b;
  --line:#e2e8f0;
  --brand:#1D4ED8;
  --brand2:#0EA5E9;
  --brand-soft:#eff6ff;
  --header-ink:#0f172a;
  --radius:14px;
  --shadow:0 1px 2px rgba(15,23,42,.06),0 8px 24px rgba(14,165,233,.08);
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.65;font-size:17px; min-height:100vh;display:flex;flex-direction:column;
}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
img{max-width:100%}

/* header — 白底 + 青色顶条 */
body.layout-doc header.site{
  background:var(--panel);color:var(--ink);border-top:4px solid var(--brand2);border-bottom:1px solid var(--line);
  box-shadow:0 1px 2px rgba(15,23,42,.04);position:sticky;top:0;z-index:20;
}
body.layout-doc header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
body.layout-doc .brand{display:flex;align-items:center;gap:10px;color:var(--header-ink);font-weight:800;font-size:1.15rem;letter-spacing:-.01em}
body.layout-doc .brand:hover{text-decoration:none}
body.layout-doc .logo{width:30px;height:30px;flex:0 0 auto}
body.layout-doc .brand-name{color:var(--header-ink)}
body.layout-doc nav.site{display:flex;gap:18px;flex-wrap:wrap}
body.layout-doc nav.site a{color:var(--brand);font-weight:600;font-size:.95rem}
body.layout-doc nav.site a:hover{color:var(--brand2);text-decoration:underline}

/* main */
body.layout-doc main{width:100%;max-width:1080px;margin:0 auto;padding:40px 20px 56px;flex:1 0 auto}
body.layout-doc h1{
  font-size:clamp(1.9rem,4.5vw,2.9rem);line-height:1.12;margin:0 0 8px;
  letter-spacing:-.02em;font-weight:800;
}
body.layout-doc .sub{color:var(--muted);font-size:1.05rem;margin:0 0 18px}
body.layout-doc .local-badge{
  display:inline-block;background:var(--brand-soft);color:var(--brand);
  border:1px solid #dbeafe;font-size:.85rem;font-weight:600;
  padding:6px 12px;border-radius:999px;margin-bottom:22px;
}
body.layout-doc .content-body.prose > *{margin:0 0 18px}
body.layout-doc .content-body.prose h2{
  font-size:1.4rem;margin:30px 0 10px;letter-spacing:-.01em;color:var(--ink);
}
body.layout-doc .content-body.prose p{margin:0 0 14px;color:#1e293b}
body.layout-doc .content-body.prose .lead{font-size:1.12rem;color:#334155}
body.layout-doc .content-body.prose .author{
  margin-top:26px;padding-top:16px;border-top:1px dashed var(--line);
  font-size:.9rem;color:var(--muted);font-style:italic;
}

/* term list — 青色左描边词条卡（参考词典感） */
body.layout-doc .term-list{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px;margin:8px 0 12px}
body.layout-doc .term-link{
  display:block;background:var(--panel);border:1px solid var(--line);border-left:3px solid var(--brand2);
  border-radius:12px;padding:14px 16px;color:var(--ink);font-weight:600;
  transition:transform .18s var(--ease),box-shadow .18s var(--ease),border-color .18s var(--ease);
}
body.layout-doc .term-link:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--brand2);border-left-color:var(--brand);text-decoration:none;color:var(--brand)}

/* faq */
body.layout-doc .faq h3{font-size:1.08rem;margin:18px 0 4px;color:var(--ink)}
body.layout-doc .faq p{margin:0 0 6px;color:#334155}

/* related grid */
body.layout-doc .grid-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
body.layout-doc .grid-links a{
  background:var(--brand-soft);border:1px solid #dbeafe;color:var(--brand);
  padding:8px 14px;border-radius:999px;font-size:.92rem;font-weight:600;
  transition:background .18s var(--ease);
}
body.layout-doc .grid-links a:hover{background:#dbeafe;text-decoration:none}

/* home cards */
body.layout-doc main>section{margin:34px 0}
body.layout-doc main>section>h2{font-size:1.5rem;margin:0 0 14px;letter-spacing:-.01em}
body.layout-doc .cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:14px}
body.layout-doc .card{
  background:var(--panel);border:1px solid var(--line);border-left:3px solid var(--brand2);border-radius:var(--radius);
  padding:18px;transition:transform .18s var(--ease),box-shadow .18s var(--ease);
}
body.layout-doc .card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
body.layout-doc .card h3{margin:0 0 6px;font-size:1.08rem}
body.layout-doc .card h3 a{color:var(--ink)}
body.layout-doc .card p{margin:0;color:var(--muted);font-size:.92rem}

/* trust pages */
body.layout-doc .tool-panel.prose{max-width:1080px;margin:0 auto}
body.layout-doc .tool-panel.prose h2{font-size:1.3rem;margin:22px 0 8px}
body.layout-doc .tool-panel.prose p{color:#334155}

/* ad slots */
body.layout-doc .ad-slot{margin:26px 0;min-height:8px}
body.layout-doc .ad-slot:empty{display:none}

/* footer */
body.layout-doc footer.site{
  background:var(--panel);border-top:1px solid var(--line);margin-top:40px;
  color:var(--muted);font-size:.9rem;
}
body.layout-doc footer.site .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding:20px}
body.layout-doc footer.site a{color:var(--muted);font-weight:600;margin-left:20px}footer.site a:first-child{margin-left:0}
body.layout-doc footer.site a:hover{color:var(--brand)}

@media (max-width:760px){
  body.layout-doc main{padding:28px 16px 40px}
  body.layout-doc header.site .wrap{height:auto;flex-direction:column;align-items:flex-start;padding-top:10px;padding-bottom:10px;gap:8px}
  body.layout-doc nav.site{gap:12px}
  body.layout-doc .cards,.term-list{grid-template-columns:1fr}
  body.layout-doc footer.site .wrap{flex-direction:column}
}