/* IUL Basics (iulbasics.com) — served by speaker/iulbasics.js. Identity carried over from the Gamma site: navy + IUL blue, Barlow headings, Montserrat body. */
:root{--ink:#1E2C3B;--navy:#063E5F;--blue:#2589C9;--blue-d:#16689D;--sky:#75BAE6;--mist:#E5F6FF;--mist2:#F4FBFF;--line:#D4E9F7;--text:#384653;--muted:#5B6976;--white:#fff;--ok:#1F8A5B;--warn:#B4532A;
--r:16px;--shadow:0 1px 2px rgba(6,62,95,.06),0 8px 28px rgba(6,62,95,.08);--wrap:1120px;--hf:"Barlow",system-ui,sans-serif;--bf:"Montserrat",system-ui,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--bf);font-size:16px;line-height:1.65;color:var(--text);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue-d)}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--hf);color:var(--ink);line-height:1.12;margin:0 0 .5em;text-wrap:balance;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,7.4vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.65rem,5vw,2.5rem);font-weight:800}
h3{font-size:1.22rem;font-weight:700}
p,li{text-wrap:pretty}
p{margin:0 0 1em}
.ph{display:inline-block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
.center{text-align:center}
.eyebrow{display:inline-block;font-family:var(--hf);font-weight:700;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}
.lead{font-size:1.08rem;color:var(--text);max-width:62ch}
.center .lead{margin-left:auto;margin-right:auto}
.muted{color:var(--muted)}
.small{font-size:.86rem}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;z-index:99;background:#fff;padding:8px 12px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--bf);font-weight:700;font-size:.98rem;line-height:1.2;padding:15px 22px;border-radius:12px;background:var(--blue);color:#fff;text-decoration:none;border:2px solid var(--blue);cursor:pointer;transition:background .15s,transform .15s;min-height:50px;text-align:center}
.btn:hover{background:var(--blue-d);border-color:var(--blue-d);color:#fff}
.btn:active{transform:translateY(1px)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn.ghost:hover{border-color:var(--blue);color:var(--blue-d);background:var(--mist2)}
.btn.white{background:#fff;color:var(--navy);border-color:#fff}
.btn.white:hover{background:var(--mist);color:var(--navy)}
.btn.line-w{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn.line-w:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.center .btns{justify-content:center}
@media(max-width:520px){.btns .btn{flex:1 1 100%}}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--hf);font-weight:800;font-size:1.32rem;letter-spacing:-.01em;white-space:nowrap}
.brand svg{width:30px;height:30px;flex:none}
.brand b{color:var(--blue);font-weight:800}
.links{display:flex;align-items:center;gap:22px}
.links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.93rem}
.links a:hover,.links a[aria-current]{color:var(--blue)}
.links .btn{padding:10px 16px;min-height:42px;font-size:.88rem;color:#fff}
.burger{display:none;background:none;border:0;padding:8px;margin-right:-8px;cursor:pointer;color:var(--ink)}
.burger svg{width:26px;height:26px}
@media(max-width:900px){
  .burger{display:block}
  .links{position:fixed;inset:66px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 16px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none}
  .links a{padding:14px 2px;border-bottom:1px solid var(--line);font-size:1.02rem}
  .links .btn{margin-top:12px;border-bottom:0;min-height:50px;font-size:1rem}
  .nav.open .links{display:flex}
}

/* sections */
section{padding:64px 0}
@media(min-width:900px){section{padding:92px 0}}
.alt{background:var(--mist2)}
.mist{background:var(--mist)}
.dark{background:var(--navy);color:#dceaf5}
.dark h2,.dark h3{color:#fff}
.dark .eyebrow{color:var(--sky)}
.dark .lead{color:#dceaf5}
.sechead{max-width:760px;margin:0 auto 38px;text-align:center}
.sechead .lead{margin:0 auto}

/* hero */
.hero{padding:44px 0 56px;background:linear-gradient(180deg,var(--mist) 0%,#fff 100%);overflow:hidden}
.hero .wrap{display:grid;gap:34px;align-items:center}
.hero .tag{font-size:1.1rem;max-width:34em}
.hero figure{margin:0;position:relative}
.hero figure img{border-radius:22px;aspect-ratio:4/3;object-fit:cover;width:100%;box-shadow:var(--shadow)}
.hero .badge{position:absolute;left:14px;bottom:14px;background:#fff;border-radius:14px;padding:12px 14px;box-shadow:var(--shadow);display:flex;gap:10px;align-items:center;font-size:.86rem;line-height:1.3;max-width:250px}
.hero .badge b{display:block;color:var(--ink);font-family:var(--hf);font-size:1.05rem}
.hero .badge svg{width:34px;height:34px;flex:none}
.trust{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:22px;padding:0;list-style:none;font-size:.88rem;font-weight:600;color:var(--navy)}
.trust li{display:flex;align-items:center;gap:7px}
.trust svg{width:18px;height:18px;color:var(--blue);flex:none}
@media(min-width:900px){.hero{padding:72px 0 88px}.hero .wrap{grid-template-columns:1.08fr .92fr;gap:56px}}

/* grids & cards */
.g2,.g3,.g4{display:grid;gap:18px}
@media(min-width:720px){.g2{grid-template-columns:1fr 1fr;gap:22px}.g3{grid-template-columns:repeat(3,1fr);gap:22px}.g4{grid-template-columns:1fr 1fr}}
@media(min-width:1000px){.g4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.35em}
.card p:last-child{margin-bottom:0}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--mist);color:var(--blue);display:grid;place-items:center;margin-bottom:14px}
.card .ico svg{width:24px;height:24px}
.card.hl{border:2px solid var(--blue);position:relative}
.card.hl .pill{position:absolute;top:-13px;left:20px}
.pill{display:inline-block;background:var(--blue);color:#fff;font-weight:700;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;padding:5px 10px;border-radius:99px}
.photo{border-radius:var(--r);overflow:hidden;margin:0 0 16px;aspect-ratio:4/3}
.photo img{width:100%;height:100%;object-fit:cover}
.callout{background:var(--blue);color:#fff;border-radius:var(--r);padding:24px 26px;font-family:var(--hf);font-weight:700;font-size:1.18rem;line-height:1.4;margin-top:26px;text-align:center}
.callout p{margin:0}
.sum{margin-top:30px;text-align:center;font-weight:600;color:var(--ink);font-size:1.06rem}
.ctaline{margin-top:30px;text-align:center}

/* split rows */
.split{display:grid;gap:30px;align-items:center}
@media(min-width:900px){.split{grid-template-columns:1fr 1fr;gap:56px}.split.rev>:first-child{order:2}}
.split figure{margin:0}
.split figure img{border-radius:20px;width:100%;aspect-ratio:5/4;object-fit:cover;box-shadow:var(--shadow)}

/* checks */
.checks{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-weight:500}
.checks li::before{content:"";flex:none;width:24px;height:24px;margin-top:1px;border-radius:50%;background:var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") center/15px no-repeat}
.checks.x li::before{background:#e9eef3 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235B6976' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M7 12h10'/%3E%3C/svg%3E") center/14px no-repeat}
.dark .checks li{color:#fff}

/* compare table */
.compare{display:grid;gap:18px}
@media(min-width:760px){.compare{grid-template-columns:1fr 1fr}}
.compare .card h3{display:flex;align-items:center;gap:10px}

/* floor & cap chart */
.chart{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 18px 14px;box-shadow:var(--shadow)}
.chart svg{width:100%;height:auto;display:block}
.chart .legend{display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.82rem;margin:4px 0 0;color:var(--muted)}
.chart .legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}

/* steps */
.steps{counter-reset:s;display:grid;gap:18px}
@media(min-width:900px){.steps{grid-template-columns:repeat(3,1fr);gap:22px}}
.steps .card{position:relative;padding-top:58px}
.steps .card::before{counter-increment:s;content:counter(s);position:absolute;top:20px;left:24px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-family:var(--hf);font-weight:800;display:grid;place-items:center}

/* quotes */
.quote{margin:0;display:flex;flex-direction:column}
.quote blockquote{margin:0 0 16px;font-size:1.02rem;color:var(--ink);font-weight:500;flex:1}
.quote blockquote::before{content:"\201C";display:block;font-family:Georgia,serif;font-size:3rem;line-height:.8;color:var(--sky);height:26px}
.quote figcaption{font-weight:700;color:var(--navy);font-family:var(--hf);font-size:1.05rem}

/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;font-family:var(--hf);font-weight:700;font-size:1.14rem;color:var(--ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:12px;height:12px;border-right:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details p{margin:0 0 20px}

/* people */
.person{display:grid;gap:28px;align-items:center}
@media(min-width:900px){.person{grid-template-columns:.85fr 1.15fr;gap:56px}}
.person figure{margin:0}
.person img{border-radius:20px;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 20%;box-shadow:var(--shadow)}
.sig{font-family:var(--hf);font-weight:700;color:var(--navy);font-size:1.1rem}

/* cta band */
.band{background:linear-gradient(135deg,var(--navy) 0%,#0a527b 100%);color:#dceaf5;border-radius:24px;padding:38px 24px;text-align:center}
.band h2{color:#fff}
.band p{max-width:60ch;margin-left:auto;margin-right:auto}
@media(min-width:900px){.band{padding:58px 48px}}

/* blog list */
.pagehead{padding:46px 0 10px}
@media(min-width:900px){.pagehead{padding:70px 0 16px}}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.chip{display:inline-block;padding:8px 14px;border-radius:99px;border:1px solid var(--line);text-decoration:none;color:var(--navy);font-weight:600;font-size:.86rem;background:#fff}
.chip:hover{border-color:var(--blue)}
.chip.on{background:var(--navy);border-color:var(--navy);color:#fff}
.posts{display:grid;gap:22px;margin-top:30px}
@media(min-width:640px){.posts{grid-template-columns:1fr 1fr}}
@media(min-width:1000px){.posts{grid-template-columns:repeat(3,1fr)}}
.pc{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s}
.pc:hover{transform:translateY(-2px);box-shadow:0 2px 4px rgba(6,62,95,.06),0 14px 34px rgba(6,62,95,.12);color:inherit}
.pc .im{aspect-ratio:16/9;background:var(--mist);overflow:hidden}
.pc .im img{width:100%;height:100%;object-fit:cover}
.pc .tx{padding:18px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.pc small{color:var(--muted);font-size:.8rem;font-weight:600}
.pc b{font-family:var(--hf);font-size:1.22rem;line-height:1.2;color:var(--ink);text-wrap:balance}
.pc p{margin:0;font-size:.92rem;color:var(--muted);display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.pc.big{grid-column:1/-1}
@media(min-width:900px){.pc.big{flex-direction:row}.pc.big .im{flex:1.15;aspect-ratio:auto;min-height:340px}.pc.big .tx{flex:1;padding:36px;justify-content:center}.pc.big b{font-size:1.9rem}.pc.big p{-webkit-line-clamp:4;font-size:1rem}}

/* article */
.article{padding:34px 0 30px}
@media(min-width:900px){.article{padding:56px 0 40px}}
.crumbs{font-size:.85rem;font-weight:600;margin-bottom:18px}
.crumbs a{text-decoration:none}
.article h1{font-size:clamp(2rem,6vw,3.1rem);margin-bottom:16px}
.meta{display:flex;flex-wrap:wrap;align-items:center;gap:6px 14px;color:var(--muted);font-size:.9rem;font-weight:500;margin-bottom:26px}
.meta .by{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:700}
.meta .by img{width:36px;height:36px;border-radius:50%;object-fit:cover;object-position:50% 20%}
.hero-img{border-radius:18px;overflow:hidden;margin:0 0 32px;aspect-ratio:16/9;background:var(--mist)}
.hero-img img{width:100%;height:100%;object-fit:cover}
.prose{font-size:1.07rem;line-height:1.75;color:#2f3b47}
.prose h2{font-size:clamp(1.5rem,4.4vw,2rem);margin:1.6em 0 .55em}
.prose h3{font-size:1.32rem;margin:1.45em 0 .5em}
.prose h4{font-size:1.1rem;margin:1.3em 0 .4em}
.prose h2 strong,.prose h3 strong{font-weight:inherit}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin:.3em 0}
.prose li::marker{color:var(--blue)}
.prose hr{border:0;height:1px;background:var(--line);margin:2.2em 0}
.prose blockquote{margin:1.4em 0;padding:4px 0 4px 20px;border-left:4px solid var(--blue);color:var(--ink);font-weight:500}
.prose figure{margin:1.6em 0}
.prose figure img{border-radius:14px;margin:0 auto}
.prose a{font-weight:600}
.prose iframe{border-radius:14px;background:var(--mist2)}
.prose .center{text-align:center}
.prose .toc{background:var(--mist2);border:1px solid var(--line);border-radius:14px;padding:18px 22px 10px;margin:0 0 2em;font-size:.96rem}
.prose .toc h2{font-size:1rem;font-family:var(--bf);font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);margin:0 0 8px}
.prose .toc ul{list-style:none;padding:0;margin:0}
.prose .toc ul ul{padding-left:16px}
.prose .toc li{margin:0;padding:6px 0;border-top:1px solid var(--line)}
.prose .toc li li{border:0;padding:4px 0}
.prose .toc>nav>ul>li:first-child{border-top:0}
.prose .toc a{text-decoration:none;font-weight:600;color:var(--navy)}
.prose .toc a:hover{color:var(--blue)}
@media(max-width:700px){.prose .toc ul ul{display:none}}
.prose :target{scroll-margin-top:84px}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin:28px 0 0}
.endcta{margin:44px 0 0;border-radius:20px;background:var(--mist);padding:28px 24px;border:1px solid var(--line)}
.endcta h2{font-size:1.6rem;margin-bottom:.35em}
.endcta .btns{margin-top:16px}
.authorbox{display:flex;gap:16px;align-items:center;margin-top:36px;padding-top:26px;border-top:1px solid var(--line)}
.authorbox img{width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:50% 20%;flex:none}
.authorbox p{margin:0;font-size:.94rem}

/* forms */
.form{display:grid;gap:12px;max-width:520px}
.center .form{margin-left:auto;margin-right:auto}
.form label{display:grid;gap:6px;font-weight:600;font-size:.88rem;color:var(--ink);text-align:left}
.form input{font:inherit;font-size:16px;padding:14px 14px;border:1.5px solid #c9dbe8;border-radius:12px;background:#fff;color:var(--ink);width:100%;min-height:50px}
.form input:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,137,201,.14)}
.form .row{display:grid;gap:12px}
@media(min-width:560px){.form .row{grid-template-columns:1fr 1.4fr}}
.form .btn{width:100%}
.hp{position:absolute!important;left:-5000px!important;height:0;width:0;opacity:0}
.formmsg{font-weight:600;font-size:.94rem;min-height:1em}
.formmsg.err{color:#b42318}
.done{background:#e8f6ef;color:#14543a;border:1px solid #bfe5d1;border-radius:14px;padding:18px 20px;font-weight:600}
.dark .form label{color:#fff}

/* quiz */
.quizbox{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:8px;overflow:hidden}
.quizbox iframe{width:100%;border:0;min-height:720px;display:block}

/* tool card */
.tool{display:grid;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;box-shadow:var(--shadow);text-decoration:none;color:inherit}
.tool img{border-radius:12px}
@media(min-width:700px){.tool{grid-template-columns:260px 1fr;padding:20px 26px 20px 20px}}

/* footer */
footer{background:var(--ink);color:#b9c8d6;padding:56px 0 30px;font-size:.92rem}
footer .brand{color:#fff}
footer .cols{display:grid;gap:30px}
@media(min-width:800px){footer .cols{grid-template-columns:1.4fr 1fr 1fr}}
footer nav{display:grid;gap:10px;align-content:start}
footer nav b{color:#fff;font-family:var(--hf);font-size:1rem;letter-spacing:.04em}
footer a{color:#dce7f1;text-decoration:none}
footer a:hover{color:#fff}
footer .disc{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:22px;font-size:.8rem;line-height:1.6;color:#93a5b6}
footer .disc p{margin:0 0 8px}

/* mobile sticky cta */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:40;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);display:none;box-shadow:0 -6px 20px rgba(6,62,95,.08)}
.mcta .btn{width:100%}
@media(max-width:720px){.mcta.show{display:block}body.hasmcta footer{padding-bottom:100px}}
.prose .toctitle{font-family:var(--bf);font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--blue);margin:0 0 8px;font-size:.86rem}
.crumbs span[aria-hidden]{color:var(--muted);margin:0 4px}
.crumbs [aria-current]{color:var(--muted)}
.card h3+.checks,.card h3+ul{margin-top:14px}
.dark .checks{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:24px}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.2fr .8fr}.hero h1{font-size:3.35rem}}
.form .row2{display:grid;gap:12px}
@media(min-width:560px){.form .row2{grid-template-columns:1fr 1fr}}
.form textarea{font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid #c9dbe8;border-radius:12px;background:#fff;color:var(--ink);width:100%;resize:vertical}
.form textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(37,137,201,.14)}
.card .form{max-width:none}