/* Insurance Claims Explained — v2 recovery theme
   Based on the earlier muted-teal layout the site already used, with compatibility
   selectors for the June 12 expanded pages, tools, tables, diagrams and footer.
*/
:root{
  --bg:#f6f8f8;
  --panel:#ffffff;
  --text:#1f2a2a;
  --ink:#1f2a2a;
  --muted:#546565;
  --border:rgba(25,55,55,.10);
  --line:rgba(25,55,55,.12);
  --shadow:0 10px 30px rgba(0,0,0,.06);
  --teal:#2d7f7a;
  --teal-2:#1f6a65;
  --teal-soft:rgba(45,127,122,.10);
  --focus:rgba(45,127,122,.35);
  --warn-bg:#fff8ef;
  --warn-line:#f0d0a4;
  --safe-bg:#f2fbf6;
  --safe-line:#bee6cd;
  --radius:16px;
  --radius-sm:12px;
  --maxw:1200px;
}
*{box-sizing:border-box;word-wrap:break-word;overflow-wrap:anywhere}
html,body{height:100%}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  color:var(--text);
  background:radial-gradient(1200px 600px at 15% -10%,rgba(45,127,122,.12),transparent 55%),radial-gradient(900px 500px at 85% 0%,rgba(45,127,122,.10),transparent 60%),var(--bg);
  line-height:1.65;
  font-size:17px;
}
a{color:var(--teal-2);text-decoration:none;text-underline-offset:.18em}
a:hover{text-decoration:underline}
a:focus{outline:3px solid var(--focus);outline-offset:2px;border-radius:8px}
img,svg{max-width:100%;height:auto}
.skip{position:absolute;left:-999px;top:auto}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.7rem 1rem;border:2px solid var(--teal-2);z-index:1000}
.container,.wrap,.topbar,.hero-inner,.footer-inner{max-width:var(--maxw);margin-left:auto;margin-right:auto;padding-left:18px;padding-right:18px;width:100%}
.wrap{padding-top:24px;padding-bottom:44px}.hero-inner{padding-top:34px;padding-bottom:28px}.topbar{padding-top:12px;padding-bottom:12px}
header,.site-header{position:sticky;top:0;z-index:50;background:rgba(246,248,248,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);color:var(--text)}
.nav,.topbar{display:flex;align-items:center;justify-content:space-between;gap:14px}.topbar{flex-wrap:wrap}.nav{flex:1;justify-content:flex-end;flex-wrap:wrap}
.brand,.brand:visited{display:flex;align-items:center;gap:14px;color:var(--text);text-decoration:none;min-width:0}.brand:hover{text-decoration:none;color:var(--text)}
.brand span{display:block}.brand strong,.brand .name{display:block;font-weight:760;letter-spacing:.2px;font-size:18px;color:var(--text)}
.brand strong + span,.brand .tag{color:var(--muted);font-size:13px;margin-top:2px;line-height:1.25}.brand img,.logo{height:64px;width:auto;max-width:64px;display:block;flex:0 0 auto;object-fit:contain;filter:drop-shadow(0 4px 10px rgba(0,0,0,.08))}
.nav-toggle{display:none}.nav a,.menu a{font-size:13px;padding:8px 10px;border-radius:999px;border:1px solid transparent;color:var(--text);background:transparent;white-space:nowrap;font-weight:650;text-decoration:none}
.nav a:hover,.menu a:hover,.nav a[aria-current="page"],.menu a[aria-current="page"]{background:var(--teal-soft);border-color:rgba(45,127,122,.20);color:var(--teal-2);text-decoration:none}
.hero{padding:0;border-bottom:1px solid var(--border)}.hero h1{margin:0 0 10px;font-size:clamp(28px,4.2vw,50px);line-height:1.08;letter-spacing:-.4px;color:var(--text)}
.hero p,.lede{margin:0 0 14px;color:var(--muted);max-width:95ch;font-size:clamp(1.02rem,2vw,1.2rem)}.eyebrow{display:inline-block;font-weight:850;text-transform:uppercase;letter-spacing:.12em;color:var(--teal-2);font-size:.78rem;margin-bottom:8px}.meta{color:var(--muted);font-size:.94rem}
.hero-inner{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(280px,.85fr);gap:24px;align-items:start}.hero-card,.card,.content,.toc,.tool-panel{background:var(--panel);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}.hero-card h2,.card h2,.card h3{margin-top:0}
h1,h2,h3{line-height:1.25;color:var(--text)}h2{font-size:clamp(1.2rem,2.2vw,1.5rem);margin:24px 0 10px}h3{font-size:1.06rem;margin:18px 0 8px}p{margin:0 0 14px}ul,ol{padding-left:20px}li{margin:6px 0}.small{color:var(--muted);font-size:.92rem}.hr{height:1px;background:var(--border);margin:14px 0}.muted{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin:16px 0}.grid.wide{grid-template-columns:repeat(auto-fit,minmax(310px,1fr))}.article{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:24px;align-items:start}.aside{position:sticky;top:96px}.content h1{font-size:clamp(2rem,4vw,3.2rem);line-height:1.1;margin:.2rem 0 1rem}
.kicker,.badge{display:inline-block;font-size:.78rem;padding:.18rem .55rem;border-radius:999px;background:rgba(45,127,122,.12);border:1px solid rgba(45,127,122,.22);color:var(--teal-2);font-weight:800;text-transform:uppercase;letter-spacing:.06em}.badge{text-transform:none;letter-spacing:0}
.button-row{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1rem}.btn{display:inline-block;padding:10px 13px;border-radius:12px;border:1px solid rgba(45,127,122,.28);background:rgba(45,127,122,.12);color:var(--teal-2);font-weight:750;text-decoration:none}.btn.secondary{background:#fff}.btn:hover{background:rgba(45,127,122,.18);text-decoration:none;color:var(--teal-2)}
.callout,.notice{margin-top:14px;padding:14px;border-radius:var(--radius);border:1px solid rgba(45,127,122,.24);background:rgba(45,127,122,.08)}.notice{background:var(--warn-bg);border-color:var(--warn-line)}.safe{background:var(--safe-bg);border:1px solid var(--safe-line);border-radius:var(--radius);padding:1rem}
.list{display:flex;flex-direction:column;gap:10px}.list-clean{list-style:none;padding-left:0}.list-clean li{margin:.35rem 0}.item{padding:12px;border-radius:var(--radius-sm);border:1px solid rgba(25,55,55,.08);background:linear-gradient(180deg,rgba(45,127,122,.035),rgba(45,127,122,0))}.item .a{display:flex;align-items:center;gap:10px;flex-wrap:wrap}.item .d{color:var(--muted);margin-top:4px;font-size:13px}.checklist{list-style:none;padding:0}.checklist li{margin:.5rem 0;padding:.65rem .75rem;background:#f8fafc;border:1px solid var(--line);border-radius:12px}.checklist input{margin-right:.5rem}ul.bullets{padding-left:18px;margin:10px 0 0}ul.bullets li{margin:8px 0}
.content table{width:100%;border-collapse:collapse;margin:1rem 0;background:#fff}.content th,.content td,table th,table td{border:1px solid var(--line);padding:.72rem;text-align:left;vertical-align:top}.content th,table th{background:#eef6fa}.content blockquote{border-left:4px solid var(--teal);margin:1.25rem 0;padding:.8rem 1rem;background:#fff8ef;color:#3c2a18;border-radius:0 12px 12px 0}.toc h2{font-size:1rem;margin-top:0}.toc ul{padding-left:1rem}.toc a{text-decoration:none}.breadcrumbs{font-size:.92rem;color:var(--muted);margin-bottom:1rem}.breadcrumbs a{color:var(--teal-2)}
.flow{display:grid;grid-template-columns:repeat(auto-fit,minmax(165px,1fr));gap:.85rem;margin:1rem 0}.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1rem}.step strong{display:block;color:var(--teal-2)}.step .num{display:inline-flex;align-items:center;justify-content:center;width:1.8rem;height:1.8rem;border-radius:50%;background:var(--teal-2);color:#fff;font-weight:900;margin-bottom:.5rem}.svg-diagram{width:100%;height:auto;border:1px solid var(--line);border-radius:18px;background:#fff}
.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:.85rem}.field label{display:block;font-weight:800;margin-bottom:.25rem}.field input,.field select,.field textarea{width:100%;border:1px solid #b8c5d3;border-radius:12px;padding:.7rem;font:inherit;background:#fff}.result{background:#eef6fa;border:1px solid #bcd4df;border-radius:16px;padding:1rem;margin-top:1rem}.score{font-size:2.2rem;font-weight:900;color:var(--teal-2)}.ad-wrap{margin:1.5rem 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:.75rem 0;min-height:80px}
footer,.site-footer{border-top:1px solid var(--border);padding:0;margin-top:10px;background:rgba(255,255,255,.65);color:var(--muted)}.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr;gap:1.5rem;padding-top:26px;padding-bottom:32px}.site-footer a,footer a{color:var(--teal-2)}.site-footer .small{color:var(--muted)}
@media(max-width:920px){.hero-inner,.article{grid-template-columns:1fr}.aside{position:static}.nav-toggle{display:inline-block;background:#fff;color:var(--teal-2);border:1px solid var(--border);border-radius:999px;padding:.55rem .8rem;font-weight:800}.nav{display:none;width:100%;justify-content:flex-start}.nav.open{display:flex}.footer-inner{grid-template-columns:1fr}.content{padding:1rem}.content table{font-size:.95rem}.brand img,.logo{height:54px;max-width:54px}}
@media(max-width:640px){body{font-size:16px}.container,.wrap,.topbar,.hero-inner,.footer-inner{padding-left:14px;padding-right:14px}.brand strong{font-size:16px}.brand strong + span{font-size:12.5px}.nav a{font-size:12.5px}.hero h1{font-size:clamp(26px,8vw,36px)}}
@media print{.site-header,.site-footer,.breadcrumbs,.aside,.ad-wrap,.button-row,.nav-toggle{display:none}.print-only{display:block}body{background:#fff}.content{box-shadow:none;border:0}.article{display:block}}

/* Migration refinements */
.content{min-width:0}
.content table{display:block;max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
.nav-toggle[aria-expanded="true"]{background:var(--teal-soft)}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}