/*
Theme Name: No Exam Life
Theme URI: https://noexamlifeinsuranceonline.com/
Author: No Exam Life
Description: Editorial theme for No Exam Life — independent research on life insurance underwriting. Built for YMYL trust signals: cited sources, visible review dates, named editor, and structured data on every template.
Version: 1.1.0
Requires at least: 6.0
Tested up to: 7.1
Requires PHP: 8.0
License: GPL-2.0-or-later
Text Domain: noexamlife
*/
:root{
  --ink:#101C2E;--ink-soft:#41505F;--ink-faint:#6C7A87;
  --paper:#F6F7F5;--card:#FFFFFF;--rule:#DDE1DA;--rule-soft:#EBEEE9;
  --blue:#1F4E79;--blue-wash:#EAF0F6;
  --approve:#0F6E4A;--rated:#B4740E;--limited:#9B3B2E;
  --nav-h:68px;--wrap:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Public Sans",system-ui,sans-serif;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;padding-top:var(--nav-h)}
h1,h2,h3,h4{font-family:"Zilla Slab",Georgia,serif;font-weight:600;line-height:1.12;margin:0;letter-spacing:-0.01em}
p{margin:0}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
.eyebrow{font-family:"IBM Plex Mono",monospace;font-size:12px;font-weight:500;letter-spacing:0.11em;text-transform:uppercase;color:var(--blue)}
:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:2px}

.masthead{position:fixed;top:0;left:0;right:0;height:var(--nav-h);z-index:60;background:var(--card);border-bottom:1px solid var(--rule)}
.masthead-inner{max-width:var(--wrap);margin:0 auto;padding:0 28px;height:100%;display:flex;align-items:center;gap:30px}
.brand{display:flex;align-items:baseline;gap:10px;flex:none;color:var(--ink)}
.brand .mark{width:17.7px;height:21px;flex:none;align-self:center;overflow:visible}
.brand .wordmark{font-family:"Zilla Slab",serif;font-size:19px;font-weight:600;letter-spacing:-0.02em}
.brand .tagmark{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:0.14em;color:var(--ink-faint);text-transform:uppercase;font-weight:500}
@media (max-width:840px){.brand .tagmark{display:none}}
.nav{display:flex;align-items:center;gap:2px;height:100%;flex:1}
.nav-btn{font-family:"Public Sans",sans-serif;font-size:15px;font-weight:500;color:var(--ink);background:none;border:0;padding:9px 12px;border-radius:5px;cursor:pointer;display:flex;align-items:center;gap:6px}
.nav-btn:hover{background:var(--paper)}
.nav-btn[aria-expanded="true"]{background:var(--blue-wash);color:var(--blue)}
.caret{width:9px;height:9px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);transition:transform .16s ease}
.nav-btn[aria-expanded="true"] .caret{transform:rotate(225deg) translate(-3px,-3px)}
.nav-spacer{flex:1}
.nav-cta{font-size:15px;font-weight:500;padding:9px 16px;border-radius:5px;background:var(--ink);color:#fff;flex:none}
.nav-cta:hover{background:var(--blue)}

.panel{position:absolute;left:0;right:0;top:var(--nav-h);background:var(--card);border-bottom:1px solid var(--rule);box-shadow:0 18px 40px -24px rgba(16,28,46,.28);opacity:0;visibility:hidden;transform:translateY(-7px);transition:opacity .16s ease,transform .16s ease,visibility .16s}
.panel[data-open="true"]{opacity:1;visibility:visible;transform:none}
.panel-inner{max-width:var(--wrap);margin:0 auto;padding:30px 28px 32px;display:grid;gap:34px;grid-template-columns:1fr 268px}
.panel-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px 26px}
.panel-head{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:0.11em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:14px;font-weight:500}
.panel-link{display:block;padding:9px 10px;margin-left:-10px;border-radius:5px}
.panel-link:hover{background:var(--paper)}
.panel-link strong{display:block;font-size:15px;font-weight:500;line-height:1.3}
.panel-link em{display:block;font-style:normal;font-size:13px;color:var(--ink-faint);line-height:1.45;margin-top:2px}
.panel-aside{background:var(--paper);border-radius:8px;padding:20px 22px}
.panel-aside p{font-size:14px;color:var(--ink-soft);line-height:1.55}
.panel-aside .go{display:inline-block;margin-top:12px;font-size:14px;font-weight:500;color:var(--blue);border-bottom:1.5px solid var(--blue);padding-bottom:1px}
.scrim{position:fixed;inset:var(--nav-h) 0 0;background:rgba(16,28,46,.16);opacity:0;visibility:hidden;transition:opacity .16s;z-index:40}
.scrim[data-open="true"]{opacity:1;visibility:visible}
.burger{display:none}

.hero{padding:76px 0 68px;border-bottom:1px solid var(--rule)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:start}
.hero h1{font-size:53px;margin:16px 0 20px;letter-spacing:-0.025em}
.hero .lede{font-size:19px;color:var(--ink-soft);max-width:33em;line-height:1.6}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.btn-primary{background:var(--ink);color:#fff;font-size:16px;font-weight:500;padding:14px 26px;border-radius:6px;display:inline-block}
.btn-primary:hover{background:var(--blue)}
.btn-ghost{border:1px solid var(--rule);color:var(--ink);font-size:16px;font-weight:500;padding:14px 24px;border-radius:6px;display:inline-block;background:var(--card)}
.btn-ghost:hover{border-color:var(--ink)}
.hero-note{margin-top:20px;font-size:14px;color:var(--ink-faint);display:flex;gap:20px;flex-wrap:wrap}

.ladder{background:var(--card);border:1px solid var(--rule);border-radius:10px;overflow:hidden}
.ladder-top{padding:17px 20px;border-bottom:1px solid var(--rule);display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.ladder-top strong{font-size:14px;font-weight:600;font-family:"Public Sans",sans-serif}
.ladder-top span{font-family:"IBM Plex Mono",monospace;font-size:11px;color:var(--ink-faint);letter-spacing:.05em}
.rung{display:grid;grid-template-columns:96px 1fr auto;align-items:center;gap:14px;padding:13px 20px;border-bottom:1px solid var(--rule-soft);position:relative}
.rung:last-of-type{border-bottom:0}
.rung code{font-family:"IBM Plex Mono",monospace;font-size:12px;font-weight:500;color:var(--ink-faint);letter-spacing:.03em}
.rung .band{font-size:14.5px;font-weight:500}
.rung .cost{font-family:"IBM Plex Mono",monospace;font-size:12px;color:var(--ink-faint)}
.rung[data-hit="true"]{background:var(--blue-wash)}
.rung[data-hit="true"] code,.rung[data-hit="true"] .cost{color:var(--blue)}
.rung[data-hit="true"]::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--blue)}
.marker{display:inline-flex;align-items:center;gap:7px;margin-left:10px;font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.04em;color:var(--blue);opacity:0;transform:translateX(-6px);transition:opacity .5s ease .35s,transform .5s ease .35s}
.ladder.is-ready .marker{opacity:1;transform:none}
.ladder-foot{padding:15px 20px;background:var(--paper);border-top:1px solid var(--rule);font-size:13px;color:var(--ink-faint);line-height:1.5}

.section{padding:72px 0;border-bottom:1px solid var(--rule)}
.section-head{max-width:44em;margin-bottom:38px}
.section-head h2{font-size:34px;margin:14px 0 12px}
.section-head p{color:var(--ink-soft);font-size:17px}

.cond-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.cond{background:var(--card);border:1px solid var(--rule);border-radius:9px;padding:20px;display:block;transition:border-color .15s,transform .15s}
.cond:hover{border-color:var(--ink);transform:translateY(-2px)}
.cond h3{font-size:18px;margin-bottom:7px}
.cond p{font-size:14px;color:var(--ink-soft);line-height:1.5}
.verdict{display:inline-flex;align-items:center;gap:6px;margin-top:13px;font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.05em;text-transform:uppercase;font-weight:500}
.verdict::before{content:"";width:7px;height:7px;border-radius:50%;background:currentColor}
.v-ok{color:var(--approve)}.v-rated{color:var(--rated)}.v-limited{color:var(--limited)}

.prod-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.prod{background:var(--card);border:1px solid var(--rule);border-radius:9px;padding:26px}
.prod h3{font-size:21px;margin-bottom:6px}
.prod .sub{font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:13px}
.prod p{font-size:15px;color:var(--ink-soft);line-height:1.6}
.prod dl{display:grid;grid-template-columns:auto 1fr;gap:7px 16px;margin:18px 0 0;padding-top:16px;border-top:1px solid var(--rule-soft);font-size:14px}
.prod dt{color:var(--ink-faint)}
.prod dd{margin:0;font-family:"IBM Plex Mono",monospace;font-size:13px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:34px;counter-reset:s}
.step{counter-increment:s}
.step::before{content:counter(s,decimal-leading-zero);display:block;font-family:"IBM Plex Mono",monospace;font-size:12px;letter-spacing:.1em;color:var(--blue);padding-bottom:12px;margin-bottom:16px;border-bottom:2px solid var(--ink)}
.step h3{font-size:19px;margin-bottom:9px}
.step p{font-size:15px;color:var(--ink-soft);line-height:1.6}

.qa{border-top:1px solid var(--rule)}
.qa details{border-bottom:1px solid var(--rule);background:var(--card)}
.qa summary{cursor:pointer;list-style:none;padding:19px 22px;display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:17px;font-weight:500;font-family:"Zilla Slab",serif}
.qa summary::-webkit-details-marker{display:none}
.qa summary:hover{background:var(--paper)}
.qa .plus{flex:none;width:13px;height:13px;position:relative}
.qa .plus::before,.qa .plus::after{content:"";position:absolute;background:var(--blue);transition:transform .18s ease}
.qa .plus::before{top:5.5px;left:0;width:13px;height:2px}
.qa .plus::after{left:5.5px;top:0;width:2px;height:13px}
.qa details[open] .plus::after{transform:rotate(90deg)}
.qa .answer{padding:0 22px 22px;max-width:56em;font-size:16px;color:var(--ink-soft);line-height:1.7}
.qa .answer a{color:var(--blue);border-bottom:1px solid var(--rule)}

.terms{display:grid;grid-template-columns:repeat(3,1fr);gap:0 30px;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:8px 26px 26px}
.term{padding-top:22px}
.term dt{font-family:"IBM Plex Mono",monospace;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin-bottom:6px}
.term dd{margin:0;font-size:14.5px;color:var(--ink-soft);line-height:1.55}
.terms-more{margin-top:20px;font-size:15px;font-weight:500;color:var(--blue);display:inline-block;border-bottom:1.5px solid var(--blue);padding-bottom:1px}

.standards{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start;background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:28px 30px}
.avatar{width:60px;height:60px;border-radius:50%;background:var(--blue-wash);color:var(--blue);display:flex;align-items:center;justify-content:center;font-family:"Zilla Slab",serif;font-size:20px;font-weight:600}
.standards h3{font-size:19px;margin-bottom:8px}
.standards p{font-size:15px;color:var(--ink-soft);line-height:1.65;max-width:54em}
.standards p+p{margin-top:11px}
.standards .meta{margin-top:14px;font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.05em;color:var(--ink-faint);text-transform:uppercase}

.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.guide{background:var(--card);border:1px solid var(--rule);border-radius:9px;padding:22px;display:flex;flex-direction:column;gap:9px;transition:border-color .15s}
.guide:hover{border-color:var(--ink)}
.guide .tag{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}
.guide h3{font-size:17.5px;line-height:1.28}
.guide p{font-size:14px;color:var(--ink-soft);line-height:1.5}

.signup{background:var(--card);border-top:1px solid var(--rule);padding:52px 0}
.signup-grid{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}
.signup h2{font-size:26px;margin-bottom:8px}
.signup p{font-size:15px;color:var(--ink-soft);max-width:40em}
.signup form{display:flex;gap:9px;flex-wrap:wrap}
.signup input{font-family:"Public Sans",sans-serif;font-size:15px;padding:13px 15px;border:1px solid var(--rule);border-radius:6px;min-width:250px;background:var(--paper);color:var(--ink)}
.signup input:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px var(--blue-wash)}
.signup button{font-family:"Public Sans",sans-serif;font-size:15px;font-weight:500;padding:13px 24px;border:0;border-radius:6px;background:var(--ink);color:#fff;cursor:pointer}
.signup button:hover{background:var(--blue)}
.signup .fine{margin-top:10px;font-size:13px;color:var(--ink-faint)}

.foot{background:var(--ink);color:#C9D2DC;padding:60px 0 34px}
.foot a{color:#C9D2DC}
.foot a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:38px;padding-bottom:38px;border-bottom:1px solid rgba(255,255,255,.13)}
.foot h4{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.11em;text-transform:uppercase;color:#8998A6;margin-bottom:15px;font-weight:500}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:9px;font-size:14.5px}
.foot .brand{color:#fff;margin-bottom:12px;display:flex;align-items:baseline;gap:10px}
.foot .brand .mark{width:17.7px;height:21px;flex:none;align-self:center;overflow:visible}
.foot .brand .tagmark{color:#8998A6}
.foot-blurb{font-size:14px;line-height:1.6;color:#A5B2BE;max-width:30em}
.legal{padding-top:26px;font-size:12.5px;line-height:1.65;color:#8998A6;max-width:78em}
.legal p+p{margin-top:10px}

@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero h1{font-size:40px}
  .cond-grid{grid-template-columns:repeat(2,1fr)}
  .prod-grid,.steps,.guides{grid-template-columns:1fr}
  .terms{grid-template-columns:1fr 1fr}
  .panel-inner{grid-template-columns:1fr}
  .panel-grid{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .signup-grid{grid-template-columns:1fr;gap:24px}
}
@media (max-width:720px){
  body{font-size:16px}
  .nav,.nav-cta{display:none}
  .burger{display:block;margin-left:auto;background:none;border:1px solid var(--rule);border-radius:5px;padding:8px 13px;font:inherit;font-size:14px;font-weight:500;cursor:pointer}
  .hero{padding:48px 0 44px}
  .hero h1{font-size:33px}
  .section{padding:52px 0}
  .section-head h2{font-size:27px}
  .cond-grid,.terms{grid-template-columns:1fr}
  .standards{grid-template-columns:1fr}
  .rung{grid-template-columns:80px 1fr;gap:10px}
  .rung .cost{display:none}
  .qa summary{font-size:16px;padding:17px 18px}
  .qa .answer{padding:0 18px 20px}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
  html{scroll-behavior:auto}
  .marker{opacity:1;transform:none}
}

/* ============ brand mark (masthead + footer) ============ */
.mark{width:17.7px;height:21px;flex:none;color:currentColor}
.wordmark{font-family:"Zilla Slab",serif;font-size:19px;font-weight:600;letter-spacing:-0.02em}
.tagmark{font-family:"IBM Plex Mono",monospace;font-size:10px;letter-spacing:.14em;color:var(--ink-faint);text-transform:uppercase;font-weight:500}
.brand{gap:10px}
.foot .mark{color:#fff;--mark-accent:#7FA8CE}
.foot .tagmark{color:#8998A6}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ============ interior page templates ============ */
.page-hero{padding:54px 0 40px;border-bottom:1px solid var(--rule);background:var(--card)}
.page-hero h1{font-size:42px;margin:14px 0 16px;max-width:20em}
.page-hero .lede{font-size:19px;color:var(--ink-soft);max-width:36em;line-height:1.6}
.crumbs{font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:4px}
.crumbs a:hover{color:var(--blue)}
.crumbs span{margin:0 7px;opacity:.5}

.layout{display:grid;grid-template-columns:minmax(0,1fr) 268px;gap:56px;padding:56px 0}
.rail{position:sticky;top:calc(var(--nav-h) + 28px);align-self:start;display:grid;gap:22px}
.rail-box{background:var(--card);border:1px solid var(--rule);border-radius:9px;padding:18px 20px}
.rail-box h4{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:12px;font-weight:500}
.rail-box ul{list-style:none;margin:0;padding:0;display:grid;gap:9px;font-size:14.5px}
.rail-box a:hover{color:var(--blue)}
.toc a{display:block;padding:3px 0;color:var(--ink-soft)}
.toc a:hover{color:var(--blue)}

.prose{max-width:44em;font-size:17.5px;line-height:1.75;color:var(--ink)}
.prose > * + *{margin-top:1.15em}
.prose h2{font-size:29px;margin-top:2em;scroll-margin-top:calc(var(--nav-h) + 20px)}
.prose h3{font-size:21px;margin-top:1.7em;scroll-margin-top:calc(var(--nav-h) + 20px)}
.prose p{color:var(--ink-soft)}
.prose strong{color:var(--ink);font-weight:600}
.prose a{color:var(--blue);border-bottom:1px solid var(--rule)}
.prose a:hover{border-bottom-color:var(--blue)}
.prose ul,.prose ol{padding-left:1.3em;color:var(--ink-soft)}
.prose li+li{margin-top:.5em}
.prose blockquote{margin:1.6em 0;padding:2px 0 2px 22px;border-left:3px solid var(--blue);color:var(--ink);font-style:normal}
.prose img,.prose figure img{max-width:100%;height:auto;border-radius:8px}
.prose figcaption{font-size:13.5px;color:var(--ink-faint);margin-top:8px}
.prose table{width:100%;border-collapse:collapse;font-size:15px;background:var(--card);border:1px solid var(--rule);border-radius:9px;overflow:hidden}
.prose th{text-align:left;font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-faint);font-weight:500;padding:12px 15px;border-bottom:1px solid var(--rule);background:var(--paper)}
.prose td{padding:12px 15px;border-bottom:1px solid var(--rule-soft);color:var(--ink-soft)}
.prose tr:last-child td{border-bottom:0}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

.callout{background:var(--blue-wash);border-left:3px solid var(--blue);border-radius:0 8px 8px 0;padding:18px 22px;font-size:16px;color:var(--ink)}
.callout strong{display:block;font-family:"Zilla Slab",serif;font-size:17px;margin-bottom:5px}
.sources{background:var(--card);border:1px solid var(--rule);border-radius:9px;padding:22px 24px;margin-top:44px}
.sources h4{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:13px;font-weight:500}
.sources ol{margin:0;padding-left:1.2em;font-size:14.5px;color:var(--ink-soft);line-height:1.6}
.sources li+li{margin-top:8px}
.sources a{color:var(--blue);word-break:break-word}

.byline{display:flex;align-items:center;gap:13px;margin-top:26px;padding-top:22px;border-top:1px solid var(--rule)}
.byline .avatar{width:42px;height:42px;font-size:15px}
.byline-txt{font-size:14px;color:var(--ink-faint);line-height:1.5}
.byline-txt strong{display:block;color:var(--ink);font-size:15px;font-weight:600}
.reviewed{font-family:"IBM Plex Mono",monospace;font-size:11.5px;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-faint);margin-top:6px}

.disclaimer{background:var(--paper);border:1px solid var(--rule);border-radius:9px;padding:18px 22px;margin-top:34px;font-size:13.5px;color:var(--ink-faint);line-height:1.6}
.disclaimer strong{color:var(--ink-soft)}

.postlist{display:grid;gap:0;border-top:1px solid var(--rule)}
.postrow{display:grid;grid-template-columns:150px 1fr;gap:26px;padding:26px 0;border-bottom:1px solid var(--rule);align-items:start}
.postrow .tag{font-family:"IBM Plex Mono",monospace;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}
.postrow .date{font-family:"IBM Plex Mono",monospace;font-size:11.5px;color:var(--ink-faint);margin-top:5px}
.postrow h2{font-size:22px;line-height:1.25;margin-bottom:7px}
.postrow h2 a:hover{color:var(--blue)}
.postrow p{font-size:15px;color:var(--ink-soft);line-height:1.55}

.pager{display:flex;gap:10px;justify-content:center;padding:40px 0}
.pager .page-numbers{padding:9px 15px;border:1px solid var(--rule);border-radius:6px;background:var(--card);font-size:15px}
.pager .page-numbers.current{background:var(--ink);color:#fff;border-color:var(--ink)}
.pager a.page-numbers:hover{border-color:var(--ink)}

@media (max-width:960px){
  .layout{grid-template-columns:1fr;gap:38px;padding:40px 0}
  .rail{position:static}
  .page-hero h1{font-size:33px}
}
@media (max-width:720px){
  .page-hero{padding:36px 0 30px}
  .page-hero h1{font-size:28px}
  .page-hero .lede{font-size:17px}
  .prose{font-size:16.5px}
  .prose h2{font-size:24px}
  .postrow{grid-template-columns:1fr;gap:10px}
}

/* ============ glossary ============ */
.alpha{display:flex;flex-wrap:wrap;gap:5px;margin-top:20px}
.alpha a{font-family:"IBM Plex Mono",monospace;font-size:12px;font-weight:500;padding:6px 10px;border:1px solid var(--rule);border-radius:5px;background:var(--card);color:var(--ink-soft)}
.alpha a:hover{border-color:var(--ink);color:var(--ink)}
.gloss-group+.gloss-group{margin-top:38px}
.gloss-letter{font-family:"IBM Plex Mono",monospace;font-size:12px;letter-spacing:.14em;color:var(--blue);border-bottom:2px solid var(--ink);padding-bottom:9px;margin-bottom:4px;scroll-margin-top:calc(var(--nav-h) + 20px)}
.gloss-list{margin:0}
.gloss-entry{padding:20px 0;border-bottom:1px solid var(--rule-soft);scroll-margin-top:calc(var(--nav-h) + 20px)}
.gloss-entry:target{background:var(--blue-wash);border-radius:7px;padding-left:16px;padding-right:16px;margin-left:-16px;margin-right:-16px}
.gloss-entry dt{font-family:"Zilla Slab",serif;font-size:19px;font-weight:600;margin-bottom:7px}
.gloss-entry dd{margin:0}
.gloss-entry dd p{font-size:16px;color:var(--ink-soft);line-height:1.65}
.gloss-see{margin-top:9px;font-size:14px!important}
.gloss-see a{color:var(--blue);border-bottom:1px solid var(--rule)}

/* inline glossary auto-links inside body copy */
.prose a.gloss{color:inherit;border-bottom:1px dotted var(--ink-faint)}
.prose a.gloss:hover{color:var(--blue);border-bottom-color:var(--blue)}

/* ============ related block ============ */
.related{margin-top:46px;padding-top:30px;border-top:1px solid var(--rule)}
.related h2{font-size:20px;margin-bottom:16px}
.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.related-card{background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:15px 17px;font-size:15px;font-weight:500;display:block;transition:border-color .15s}
.related-card:hover{border-color:var(--ink);color:var(--blue)}
@media (max-width:720px){.related-grid{grid-template-columns:1fr}}

/* ============ brand sizing for the full site name ============ */
/* "No Exam Life Insurance Online" is longer than the original wordmark, so the
   masthead lockup tightens and the tagline drops before the nav is squeezed. */
.masthead .wordmark{font-size:17px;letter-spacing:-0.025em;white-space:nowrap}
.masthead .brand{gap:9px}
@media (max-width:1240px){
  .masthead .tagmark{display:none}
}
@media (max-width:1080px){
  .masthead .wordmark{font-size:15.5px}
  .nav-btn{padding:9px 9px;font-size:14.5px}
}
.foot .wordmark{font-size:18px;letter-spacing:-0.025em}
.foot .brand{display:flex;align-items:center;gap:10px}

/* ============ guide -> parent page link ============ */
.parent-link{margin-top:16px;font-size:15px;color:var(--ink-soft);background:var(--blue-wash);border-left:3px solid var(--blue);border-radius:0 7px 7px 0;padding:11px 16px;display:inline-block}
.parent-link a{color:var(--blue);font-weight:500;border-bottom:1px solid var(--blue)}
.related .guides{margin-top:4px}

/* ============ enquiry form ============ */
.lead-form{background:var(--card);border:1px solid var(--rule);border-radius:10px;padding:26px 28px;margin:28px 0}
.lead-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px 18px}
.lead-form label{display:block;font-size:14px;font-weight:500;color:var(--ink)}
.lead-form .opt{font-weight:400;color:var(--ink-faint);font-size:13px}
.lead-form input[type=text],.lead-form input[type=email],.lead-form input[type=tel],.lead-form select,.lead-form textarea{
  width:100%;margin-top:6px;font-family:"Public Sans",sans-serif;font-size:15px;padding:11px 13px;
  border:1px solid var(--rule);border-radius:6px;background:var(--paper);color:var(--ink)}
.lead-form textarea{resize:vertical}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px var(--blue-wash)}
.lead-wide{margin-top:16px}
.lead-consent{display:flex;gap:11px;align-items:flex-start;margin-top:20px;font-weight:400;font-size:14.5px;color:var(--ink-soft);line-height:1.55}
.lead-consent input{margin-top:3px;flex:none}
.lead-form button{margin-top:20px;font-family:"Public Sans",sans-serif;font-size:15px;font-weight:500;padding:13px 26px;border:0;border-radius:6px;background:var(--ink);color:#fff;cursor:pointer}
.lead-form button:hover{background:var(--blue)}
.lead-form .fine{margin-top:14px;font-size:13px;color:var(--ink-faint);line-height:1.55}
.lead-errors{background:#FDECEA;border-left:3px solid var(--limited);border-radius:0 7px 7px 0;padding:14px 18px;margin-bottom:20px;font-size:14.5px;color:var(--ink)}
.lead-errors ul{margin:8px 0 0;padding-left:1.1em;color:var(--ink-soft)}
.lead-done{background:var(--blue-wash);border-left:3px solid var(--blue);border-radius:0 8px 8px 0;padding:22px 26px;margin:28px 0}
.lead-done h3{font-size:20px;margin-bottom:9px}
.lead-done p{font-size:16px;color:var(--ink-soft);line-height:1.65}
.lead-done .fine{font-size:13.5px;color:var(--ink-faint);margin-top:10px}
.sub-done{font-size:15px;color:var(--ink-soft)}
.sub-done strong{color:var(--ink)}
/* honeypot — off-screen rather than display:none, which some bots detect */
.lead-hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}

/* CTA block on condition pages */
.enquiry-cta{background:var(--ink);color:#fff;border-radius:10px;padding:26px 30px;margin:44px 0 0}
.enquiry-cta h2{color:#fff;font-size:21px;margin-bottom:9px}
.enquiry-cta p{color:#C9D2DC;font-size:15.5px;line-height:1.6;max-width:46em}
.enquiry-cta a{display:inline-block;margin-top:16px;background:#fff;color:var(--ink);font-size:15px;font-weight:500;padding:12px 22px;border-radius:6px}
.enquiry-cta a:hover{background:var(--blue-wash);color:var(--blue)}
@media (max-width:720px){.lead-grid{grid-template-columns:1fr}}

/* ============ PAA silos ============ */
.paa-block{margin-top:46px;padding-top:30px;border-top:1px solid var(--rule)}
.paa-block h2{font-size:20px;margin-bottom:16px}
.paa-list{display:grid;gap:10px}
.paa-item{display:block;background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:15px 18px;transition:border-color .15s}
.paa-item:hover{border-color:var(--ink)}
.paa-q{display:block;font-family:"Zilla Slab",serif;font-size:16.5px;font-weight:600;color:var(--ink);line-height:1.35}
.paa-a{display:block;font-size:14.5px;color:var(--ink-soft);line-height:1.5;margin-top:5px}
.paa-item:hover .paa-q{color:var(--blue)}
.paa-cluster{margin-bottom:40px}
.paa-cluster h2{font-size:24px;margin-bottom:6px}
.paa-parent{font-size:14.5px;color:var(--ink-faint);margin-bottom:14px}
.paa-parent a{color:var(--blue);border-bottom:1px solid var(--rule)}
.q-answer{background:var(--blue-wash);border-left:3px solid var(--blue);border-radius:0 8px 8px 0;padding:20px 24px;margin-bottom:26px}
.q-answer p{font-size:17.5px;color:var(--ink);line-height:1.6;font-weight:500}

/* ============ logged-in admin bar ============
   The masthead is fixed at top:0, so the admin bar sat on top of it for anyone
   signed in. WordPress pushes the document down but not fixed elements. */
.admin-bar .masthead{top:32px}
@media screen and (max-width:782px){
  .admin-bar .masthead{top:46px}
}

/* ============ write-for-us silo ============ */
.wfu-tracks{list-style:none;margin:14px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.wfu-tracks li{margin:0}
.wfu-tracks a{display:block;padding:13px 16px;border:1px solid var(--rule);border-radius:6px;background:var(--card);font-weight:500;font-size:15.5px}
.wfu-tracks a:hover{border-color:var(--blue);color:var(--blue)}
@media (max-width:700px){.wfu-tracks{grid-template-columns:1fr}}

/* ============ guides index ============ */
.guide-group{margin-top:38px}
.guide-group:first-of-type{margin-top:8px}
.guide-group h2{font-size:21px;margin-bottom:6px}
.guide-group .guides{grid-template-columns:repeat(2,1fr);margin-top:14px}
.guide-card{display:block;background:var(--card);border:1px solid var(--rule);border-radius:8px;padding:16px 18px;transition:border-color .15s}
.guide-card:hover{border-color:var(--ink)}
.guide-title{display:block;font-weight:600;font-size:16px;margin-bottom:6px;font-family:"Zilla Slab",serif}
.guide-sum{display:block;font-size:14px;line-height:1.55;color:var(--ink-soft)}
@media (max-width:760px){.guide-group .guides{grid-template-columns:1fr}}
.archive-intro{max-width:46em;margin-bottom:40px;padding-bottom:32px;border-bottom:1px solid var(--rule)}
.archive-intro h2{font-size:22px;margin-top:26px}
.archive-intro h2:first-child{margin-top:0}
.archive-intro h3{font-size:18px;margin-top:22px}

/* ============ briefs: source attribution ============ */
.sources{margin-top:46px;padding-top:28px;border-top:2px solid var(--ink)}
.sources h2{font-size:18px;margin-bottom:14px}
.source-list{margin:0;padding-left:20px;font-size:15px;line-height:1.7}
.source-list li{margin-bottom:7px}
.source-meta{color:var(--ink-faint);font-size:13.5px}
.source-note{margin-top:16px;font-size:13.5px;color:var(--ink-faint);line-height:1.6}
.brief-workspace{background:#FFF6E5;border:1px solid #E0C48A;border-radius:8px;padding:20px 24px;margin-bottom:28px}
.brief-workspace h2{font-size:17px;margin-bottom:10px}