/* ===========================================================
   Insurance Life Galaxy — homepage layout
   Supplies the front-page.php structural classes (hero, trust bar,
   articles, topics, expert band, tools, FAQ) using the shared tokens
   defined in calc-base.css. Loaded only on the front page.
   =========================================================== */

/* Section rhythm ------------------------------------------------ */
.home section{padding:72px 0;}
.home section:first-of-type{padding-top:56px;}

/* Section headings ---------------------------------------------- */
.section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:34px;}
.section-head h2{font-size:31px;line-height:1.2;margin-top:10px;}
.section-sub{color:var(--text-muted);font-size:15.5px;max-width:640px;margin:12px 0 0;}
.view-all{font-family:var(--sans);font-size:14px;font-weight:600;color:var(--gold-dark);white-space:nowrap;padding-bottom:2px;border-bottom:1px solid transparent;transition:border-color .15s ease;}
.view-all:hover{border-bottom-color:var(--gold-dark);}

/* HERO ----------------------------------------------------------- */
.hero{padding:64px 0 72px;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;}
.hero h1{font-size:56px;line-height:1.08;margin:16px 0 0;letter-spacing:-.02em;}
.hero h1 em{font-style:normal;color:var(--gold-dark);}
.hero .lede{color:var(--text-muted);font-size:17px;line-height:1.6;max-width:520px;margin:20px 0 0;}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px;}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:32px;font-size:13.5px;color:var(--text-muted);}
.hero-trust span{display:inline-flex;align-items:center;gap:8px;}
.hero-trust .dot{width:5px;height:5px;border-radius:50%;background:var(--gold);flex:none;}

.hero-visual{position:relative;}
.photo-frame{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:var(--ivory-2);box-shadow:0 18px 44px rgba(22,35,26,.13);}
.photo-frame img{width:100%;height:auto;object-fit:cover;aspect-ratio:3/4;}
.info-card{position:absolute;left:24px;right:24px;bottom:-28px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px 22px;box-shadow:0 12px 30px rgba(22,35,26,.14);}
.info-card .name{font-family:var(--serif);font-weight:600;font-size:16.5px;}
.info-card .role{font-size:12.5px;color:var(--text-muted);margin:3px 0 12px;line-height:1.45;}
.info-card .btn{padding:10px 16px;font-size:13.5px;}

/* TRUST BAR ------------------------------------------------------ */
.trustbar{background:var(--ivory-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:34px 0;margin-top:48px;}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;}
.trust-item{display:flex;gap:14px;align-items:flex-start;}
.trust-icon{width:38px;height:38px;flex:none;border-radius:9px;background:var(--ink);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:17px;}
.trust-item h4{font-family:var(--serif);font-size:15px;font-weight:600;margin:0 0 5px;line-height:1.3;}
.trust-item p{font-size:13px;color:var(--text-muted);margin:0;line-height:1.5;}

/* ARTICLES ------------------------------------------------------- */
.articles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.article-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:border-color .15s ease, transform .15s ease, box-shadow .15s ease;}
.article-card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 14px 30px rgba(22,35,26,.09);}
.article-thumb{aspect-ratio:16/10;background:linear-gradient(135deg,#dfe6d9,#eef0e6);display:flex;align-items:center;justify-content:center;text-align:center;padding:12px;font-family:var(--mono);font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--text-muted);}
.article-body{padding:22px;display:flex;flex-direction:column;flex:1;}
.article-cat{font-family:var(--mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-dark);font-weight:500;display:block;margin-bottom:10px;}
.article-body h3{font-size:18px;line-height:1.3;margin-bottom:10px;}
.article-meta{font-size:12.5px;color:var(--text-muted);margin:0 0 16px;}
.article-read{font-size:13.5px;font-weight:700;color:var(--gold-dark);margin-top:auto;}
.article-read:hover{color:var(--ink);}

/* TOPICS --------------------------------------------------------- */
.topics-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;}
.topic-card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px 16px;text-align:center;font-weight:600;font-size:14.5px;transition:border-color .15s ease, transform .15s ease;}
.topic-card:hover{border-color:var(--gold);transform:translateY(-2px);}

/* EXPERT BAND ---------------------------------------------------- */
.dark-band{background:var(--ink);color:var(--text-onink);border-radius:22px;padding:52px;max-width:1240px;margin:0 auto;}
.expert-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center;}
.expert-photo{border-radius:var(--radius);overflow:hidden;border:1px solid rgba(255,255,255,.14);}
.expert-photo img{width:100%;height:auto;object-fit:cover;aspect-ratio:3/4;}
.dark-band h2{font-size:30px;line-height:1.22;margin:10px 0 0;color:#fff;}
.expert-grid .role{font-family:var(--mono);font-size:12.5px;letter-spacing:.04em;color:var(--gold);margin:14px 0 0;}
.expert-grid .bio{font-size:14.5px;line-height:1.62;color:var(--text-onink-muted);margin:14px 0 0;}
.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px 26px;margin-top:30px;}
.stat-label{font-family:var(--mono);font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);margin-bottom:6px;}
.stat-desc{font-size:12.5px;line-height:1.5;color:var(--text-onink-muted);}
.btn-ghost-onink{background:transparent;border-color:rgba(255,255,255,.32);color:#fff;}
.btn-ghost-onink:hover{background:rgba(255,255,255,.09);border-color:#fff;}

/* TOOLS ---------------------------------------------------------- */
.flagship{background:var(--ink);border-radius:20px;padding:38px 42px;margin-bottom:26px;color:var(--text-onink);}
.flagship-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center;}
.flagship h3{font-size:25px;line-height:1.25;color:#fff;margin:10px 0 12px;}
.flagship p{font-size:14.5px;line-height:1.6;color:var(--text-onink-muted);margin:0 0 18px;}
.flagship .article-read{color:var(--gold);}
.flagship .article-read:hover{color:#fff;}
.bars{display:flex;flex-direction:column;gap:18px;}
.bar-label{font-family:var(--mono);font-size:11.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--text-onink-muted);margin-bottom:8px;}
.flagship .bar-fill.req{width:100%;}
.flagship .bar-fill.exist{width:58%;}

.tools-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.tool-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;display:flex;flex-direction:column;transition:border-color .15s ease, transform .15s ease, box-shadow .15s ease;}
.tool-card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 14px 30px rgba(22,35,26,.09);}
.tool-icon{width:42px;height:42px;border-radius:10px;background:var(--ivory-2);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;font-size:18px;color:var(--gold-dark);margin-bottom:16px;}
.tool-card h4{font-family:var(--serif);font-size:17px;font-weight:600;margin:0 0 9px;line-height:1.3;}
.tool-card p{font-size:13.5px;color:var(--text-muted);line-height:1.55;margin:0 0 18px;}
.tool-card .link{font-size:13.5px;font-weight:700;color:var(--gold-dark);margin-top:auto;}
.tool-card .link:hover{color:var(--ink);}

/* FAQ ------------------------------------------------------------ */
.faq-list{max-width:820px;border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 2px;cursor:pointer;font-family:var(--serif);font-size:17px;font-weight:600;line-height:1.35;}
.faq-q:hover{color:var(--gold-dark);}
.plus{font-family:var(--sans);font-size:21px;font-weight:400;color:var(--gold-dark);flex:none;line-height:1;transition:transform .2s ease;}
.faq-item.open .plus{transform:rotate(45deg);}
.faq-a{display:none;padding:0 2px 22px;}
.faq-item.open .faq-a{display:block;}
.faq-a p{margin:0;font-size:14.5px;line-height:1.65;color:var(--text-muted);max-width:720px;}

/* Responsive ----------------------------------------------------- */
@media (max-width:980px){
  .home section{padding:52px 0;}
  .hero{padding:40px 0 56px;}
  .hero-grid{grid-template-columns:1fr;gap:44px;}
  .hero h1{font-size:40px;}
  .hero-visual{max-width:440px;}
  .trustbar{margin-top:60px;}
  .trust-grid{grid-template-columns:repeat(2,1fr);gap:22px;}
  .articles-grid{grid-template-columns:1fr;}
  .topics-grid{grid-template-columns:repeat(2,1fr);}
  .dark-band{padding:34px 26px;border-radius:18px;}
  .expert-grid{grid-template-columns:1fr;gap:30px;}
  .expert-photo{max-width:320px;}
  .dark-band h2{font-size:25px;}
  .stat-grid{grid-template-columns:repeat(2,1fr);}
  .flagship{padding:28px 24px;}
  .flagship-inner{grid-template-columns:1fr;gap:28px;}
  .tools-grid{grid-template-columns:1fr;}
  .section-head h2{font-size:25px;}
}
@media (max-width:560px){
  .hero h1{font-size:33px;}
  .hero-ctas .btn{width:100%;}
  .trust-grid,.topics-grid,.stat-grid{grid-template-columns:1fr;}
  .info-card{position:static;margin-top:16px;left:auto;right:auto;}
}