/* ============================================================
   publication.css — "True Insider" editorial design family
   Used by: index.html (advertorial), about/index.html
   Primary reference: FinanceBuzz-style listicle/Q&A article
   ============================================================ */

:root {
  --pub-bg: #ffffff;
  --pub-ink: #10182c;
  --pub-ink-soft: #495372;
  --pub-link: #1953d6;
  --pub-link-dark: #123c9e;
  --pub-accent-bg: #eef3fc;
  --pub-accent-border: #cddcf5;
  --pub-border: #e3e7f0;
  --pub-navy: #10182c;
  --pub-gold: #b5842a;
  --font-pub: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

body.pub-body {
  background: var(--pub-bg);
  color: var(--pub-ink);
  font-family: var(--font-pub);
  font-size: 17px;
  line-height: 1.65;
}

/* ---------- masthead ---------- */
.pub-masthead {
  border-bottom: 1px solid var(--pub-border);
  padding: 18px 0;
}
.pub-masthead .container { display: flex; justify-content: center; }
.pub-wordmark {
  display: inline-flex;
  align-items: baseline;
  gap: 2px;
  font-weight: 800;
  font-size: 22px;
  letter-spacing: -0.02em;
  text-decoration: none;
  color: var(--pub-navy);
}
.pub-wordmark span { color: var(--pub-link); }

/* ---------- disclosure ribbon ---------- */
.pub-ribbon {
  padding: 14px 0 0;
}
.pub-ribbon a {
  font-size: 13px;
  color: var(--pub-link);
  text-decoration: underline;
  font-weight: 600;
}
.pub-kicker {
  display: block;
  margin-top: 6px;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--pub-ink-soft);
}

/* ---------- hero ---------- */
.pub-hero { padding: 16px 0 28px; }
.pub-hero h1 {
  font-size: clamp(28px, 7vw, 46px);
  line-height: 1.12;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: var(--pub-navy);
  margin-top: 10px;
}
.pub-hero__dek {
  margin-top: 14px;
  font-size: clamp(16px, 3.6vw, 19px);
  color: var(--pub-ink-soft);
  max-width: 46ch;
}
.pub-hero__subhead {
  margin-top: 18px;
  padding: 16px 18px;
  background: var(--pub-accent-bg);
  border: 1px solid var(--pub-accent-border);
  border-left: 4px solid var(--pub-link);
  border-radius: 8px;
  font-size: clamp(16px, 3.4vw, 18px);
  font-weight: 600;
  color: var(--pub-navy);
  line-height: 1.5;
}

.pub-hero__media { margin-top: 22px; }
.pub-hero__media figcaption {
  margin-top: 8px;
  font-size: 13px;
  color: var(--pub-ink-soft);
}

.pub-byline {
  margin-top: 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--pub-border);
  font-size: 14px;
  color: var(--pub-ink-soft);
}
.pub-byline__avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--pub-navy);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 13px;
  flex: none;
}
.pub-byline strong { color: var(--pub-navy); }
.pub-byline__check {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: #1a7f4e;
  font-weight: 600;
}

/* ---------- article body ---------- */
.pub-article { padding: 8px 0 12px; }
.pub-article > .container { max-width: 760px; }
.pub-article p { margin-bottom: 18px; font-size: 17px; }
.pub-article p:last-child { margin-bottom: 0; }

.pub-section { padding: 26px 0; }
.pub-section h2 {
  font-size: clamp(22px, 5vw, 28px);
  font-weight: 800;
  color: var(--pub-navy);
  line-height: 1.25;
  margin-bottom: 14px;
}
.pub-section--numbered h2 {
  display: flex;
  gap: 12px;
  align-items: baseline;
}
.pub-numbered-index {
  color: var(--pub-link);
  font-size: clamp(22px, 5vw, 28px);
}

.pub-qa { margin-top: 6px; }
.pub-qa__q {
  font-weight: 700;
  color: var(--pub-navy);
  margin-bottom: 8px;
  font-size: 17px;
}
.pub-qa__q::before { content: "P: "; color: var(--pub-link); }
.pub-qa__a { margin-bottom: 0; }
.pub-qa__a::first-letter { }

/* ---------- takeaway box ---------- */
.pub-takeaway {
  margin: 22px 0;
  padding: 18px 20px;
  background: var(--pub-accent-bg);
  border: 1px solid var(--pub-accent-border);
  border-radius: 10px;
}
.pub-takeaway__label {
  display: inline-block;
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--pub-link-dark);
  margin-bottom: 8px;
}
.pub-takeaway ul { margin: 0; padding-left: 20px; }
.pub-takeaway li { margin-bottom: 6px; font-size: 15.5px; line-height: 1.6; }
.pub-takeaway li:last-child { margin-bottom: 0; }

/* ---------- pull quote ---------- */
.pub-pullquote {
  margin: 30px 0;
  padding: 26px 24px;
  border-top: 3px solid var(--pub-navy);
  border-bottom: 3px solid var(--pub-navy);
}
.pub-pullquote p {
  font-size: clamp(21px, 5vw, 27px);
  font-weight: 700;
  line-height: 1.35;
  color: var(--pub-navy);
  margin-bottom: 10px;
}
.pub-pullquote cite {
  font-style: normal;
  font-size: 13px;
  color: var(--pub-ink-soft);
}

/* ---------- market rate band ---------- */
.pub-split {
  display: flex;
  flex-direction: column;
  gap: 28px;
  padding: 10px 0;
}
.pub-split__col h3 {
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--pub-gold);
  margin-bottom: 10px;
}
.pub-split__col h2 {
  font-size: clamp(21px, 5vw, 25px);
  color: var(--pub-navy);
  font-weight: 800;
  margin-bottom: 12px;
  line-height: 1.25;
}
.pub-split__col p { font-size: 16px; margin-bottom: 12px; }
.pub-split__media { margin-top: 14px; }

.pub-rate-band {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  margin-top: 6px;
}
.pub-rate {
  padding: 16px 12px;
  background: var(--pub-navy);
  border-radius: 12px;
  text-align: center;
}
.pub-rate__figure {
  display: block;
  font-size: clamp(22px, 6vw, 30px);
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
}
.pub-rate__label {
  display: block;
  margin-top: 6px;
  font-size: 12.5px;
  color: #c9d5f2;
  line-height: 1.4;
}

@media (min-width: 640px) {
  .pub-rate-band { grid-template-columns: repeat(4, 1fr); }
}
@media (min-width: 900px) {
  .pub-split { flex-direction: row; align-items: flex-start; }
  .pub-split__col { flex: 1; min-width: 0; }
}

/* ---------- deliverables list ---------- */
.pub-deliverables {
  margin: 8px 0 0;
  list-style: none;
  display: grid;
  gap: 12px;
}
.pub-deliverables li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 14px 16px;
  border: 1px solid var(--pub-border);
  border-radius: 10px;
  font-size: 15.5px;
  line-height: 1.55;
}
.pub-deliverables li::before {
  content: "✓";
  flex: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--pub-accent-bg);
  color: var(--pub-link-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 14px;
}

/* ---------- CTA band ---------- */
.pub-cta-band {
  margin: 26px 0;
  padding: 28px 22px;
  border-radius: 16px;
  background: linear-gradient(145deg, var(--pub-navy), #1c2c52);
  color: #fff;
  text-align: center;
}
.pub-cta-band p.eyebrow {
  font-size: 12.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: #9fb6ee;
  margin-bottom: 10px;
}
.pub-cta-band h2 {
  color: #fff;
  font-size: clamp(21px, 5.5vw, 27px);
  margin-bottom: 12px;
}
.pub-cta-band p.cta-copy {
  color: #dbe4f7;
  margin-bottom: 18px;
  font-size: 15.5px;
}
.pub-btn {
  background: #ffffff;
  color: var(--pub-navy);
  border-color: #ffffff;
}
.pub-btn:hover { background: #e9edf7; }

/* ---------- FAQ (borrowed accordion styling) ---------- */
.pub-faq {
  margin-top: 8px;
  border-top: 1px solid var(--pub-border);
}

/* ---------- closing summary ---------- */
.pub-summary {
  margin-top: 8px;
  padding: 20px;
  background: var(--pub-accent-bg);
  border-radius: 10px;
}
.pub-summary h2 { margin-bottom: 10px; }
.pub-summary ul { padding-left: 20px; margin: 0; }
.pub-summary li { margin-bottom: 8px; font-size: 15.5px; line-height: 1.6; }

/* ---------- page close on publication family ---------- */
.pub-body .site-disclaimer { background: #f7f8fb; border-top: 1px solid var(--pub-border); }
.pub-body .site-disclaimer p { color: var(--pub-ink-soft); }
.pub-body .site-disclaimer a { color: var(--pub-link); }
.pub-body .site-footer { background: var(--pub-navy); color: #dbe2f2; }
.pub-body .site-footer__links a { color: #dbe2f2; }
.pub-body .site-footer strong { color: #fff; }

/* ---------- about page variant ---------- */
.pub-plain h1 {
  font-size: clamp(28px, 7vw, 42px);
  font-weight: 800;
  color: var(--pub-navy);
  margin: 14px 0 18px;
}
.pub-plain h2 {
  font-size: clamp(20px, 4.5vw, 24px);
  font-weight: 800;
  color: var(--pub-navy);
  margin: 30px 0 12px;
}
.pub-plain p { margin-bottom: 16px; font-size: 16.5px; color: var(--pub-ink); }
.pub-plain .container { max-width: 760px; padding-top: 12px; padding-bottom: 40px; }
.pub-plain ul { padding-left: 20px; margin-bottom: 16px; }
.pub-plain li { margin-bottom: 8px; font-size: 16px; line-height: 1.6; }