/* Colour, type, container, radius, button, chip and hero tokens now live in /assets/gi-tokens.css (step 4). */

*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);background-image:var(--glow);background-attachment:fixed;color:var(--text);font:400 16px/1.65 Inter,system-ui,-apple-system,sans-serif;-webkit-font-smoothing:antialiased;font-feature-settings:"cv11","ss01"}
a{color:var(--accent2);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:var(--w-wide);margin:0 auto;padding:0 var(--gutter)}.narrow{max-width:var(--w-read)}
/* nav */
.topnav{position:sticky;top:0;z-index:50;backdrop-filter:saturate(160%) blur(14px);-webkit-backdrop-filter:saturate(160%) blur(14px);background:color-mix(in srgb,var(--bg) 72%,transparent);border-bottom:1px solid var(--line)}
.topnav .in{max-width:var(--w-wide);margin:0 auto;padding:12px 20px;display:flex;align-items:center;gap:4px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:700;letter-spacing:-.005em;color:var(--text)!important;margin-right:auto;font-size:18px}
.brand .logo{width:28px;height:28px;border-radius:6px;background:#14213D;display:grid;place-items:center;border:1px solid var(--gold)}
.brand small{color:var(--t3);font-weight:500;margin-left:2px}
.nl{color:var(--t2);padding:7px 12px;border-radius:8px;font-size:14px;font-weight:500;transition:.15s}
.nl:hover{color:var(--text);background:var(--acdim);text-decoration:none}.nl.on{color:var(--text);background:var(--acdim)}
.navcta{margin-left:6px}.iconbtn{background:none;border:1px solid var(--line2);color:var(--t2);width:34px;height:34px;border-radius:9px;display:grid;place-items:center;cursor:pointer;margin-left:6px}
.menu{display:none}
/* type */
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold)}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--golddim);animation:pulse 2s infinite}
.lead{max-width:62ch}.muted{color:var(--t2)}.small{font-size:13.5px}.xs{font-size:12px;color:var(--t3)}
.grad{background:linear-gradient(100deg,#fff 10%,var(--accent2) 60%,var(--gold));-webkit-background-clip:text;background-clip:text;color:transparent}
[data-theme="light"] .grad{background:linear-gradient(100deg,#0b1a33,var(--accent) 70%);-webkit-background-clip:text;background-clip:text}
/* surfaces */
.card{backdrop-filter:blur(10px)}
.grid{display:grid;gap:14px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:820px){.g3,.g4{grid-template-columns:1fr 1fr}}@media(max-width:560px){.g2,.g3{grid-template-columns:1fr}}
.ico{width:38px;height:38px;border-radius:11px;display:grid;place-items:center;background:var(--acdim);color:var(--accent2);margin-bottom:12px;border:1px solid var(--line)}
.ico.gold{background:var(--golddim);color:var(--gold)}
.stat{font-size:clamp(28px,3.6vw,38px);font-weight:800;letter-spacing:-.03em;line-height:1}
.stat .u{font-size:.5em;color:var(--t2);font-weight:600;margin-left:2px}
.pill{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;padding:4px 10px;border-radius:999px;background:var(--acdim);color:var(--accent2);border:1px solid var(--line)}
.pill.gold{background:var(--golddim);color:var(--gold)}
.reported{font-size:11px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--gold);border:1px solid var(--golddim);background:var(--golddim);padding:2px 7px;border-radius:var(--r-tag);vertical-align:2px}
/* buttons */
/* chips */
.chips{display:flex;flex-wrap:wrap;gap:8px}
/* forms */
input,select,textarea{width:100%;background:var(--s2);color:var(--text);border:1px solid var(--line2);border-radius:var(--r-btn);padding:13px 14px;font:15px Inter,sans-serif;transition:border .15s,box-shadow .15s;-webkit-appearance:none}
input:focus,select,textarea:focus{outline:0}input:focus,textarea:focus,select:focus{border-color:var(--accent);box-shadow:0 0 0 4px var(--acdim)}
label.f{display:block;font-size:13px;font-weight:600;color:var(--t2);margin:14px 0 6px}
/* table */
.tbl{width:100%;border-collapse:separate;border-spacing:0;font-size:14.5px;overflow:hidden;border-radius:var(--r-card);border:1px solid var(--line)}
.tbl th,.tbl td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}.tbl tr:last-child td{border-bottom:0}
.tbl th{font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--t3);background:var(--s3);font-weight:600}
.tbl td:first-child{font-weight:600;color:var(--text)}.tbl td{background:var(--s1);color:var(--t2)}.tbl .new{color:var(--text)}
@media(max-width:640px){.tbl thead{display:none}.tbl,.tbl tbody,.tbl tr,.tbl td{display:block;width:100%}.tbl tr{border-bottom:1px solid var(--line)}.tbl td{border:0;padding:6px 16px}.tbl td:first-child{padding-top:14px}.tbl td:last-child{padding-bottom:14px}.tbl td[data-l]::before{content:attr(data-l);display:block;font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--t3)}}
/* misc */
.footer{border-top:1px solid var(--line);margin-top:80px;padding:28px 0 40px;color:var(--t3);font-size:13px}
.reveal{opacity:0;transform:translateY(12px);animation:rise .6s cubic-bezier(.2,.7,.2,1) forwards}
.d1{animation-delay:.06s}.d2{animation-delay:.12s}.d3{animation-delay:.18s}.d4{animation-delay:.24s}
@keyframes rise{to{opacity:1;transform:none}}@keyframes pulse{50%{box-shadow:0 0 0 7px transparent}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}
.ctaband{position:relative;overflow:hidden;border-radius:var(--r-card);padding:34px;border:1px solid rgba(122,162,255,.35);background:linear-gradient(135deg,rgba(77,124,255,.22),rgba(14,28,52,.6) 55%,rgba(232,182,90,.14));box-shadow:var(--shadow)}
[data-theme="light"] .ctaband{background:linear-gradient(135deg,rgba(47,92,240,.1),#fff 60%,rgba(176,122,20,.08))}
.ctaband h3{font-family:var(--serif);font-size:var(--fs-h2)}
.src{font-size:12.5px;color:var(--t3);margin-top:10px}.src a{color:var(--t2);border-bottom:1px dotted var(--line2)}

/* paper theme: shared */
.topnav{border-bottom:1px solid var(--line2)}.topnav .iconbtn .moon{display:none}[data-theme="dark"] .topnav .iconbtn .moon{display:block}[data-theme="dark"] .topnav .iconbtn .sun{display:none}
img{filter:var(--imgf)}
.topnav .navcta{background:var(--clockbg);color:var(--clocktx)!important;border:1px solid var(--gold);box-shadow:none;border-radius:4px}

/* 10-link header (nav-pages-preview): two rows on desktop */
/* Light-mode colour (NYT-style restraint): pale tints for special modules + muted topic kickers. Dark theme untouched. All kicker colours ≥5.3:1 on every tint (WCAG AA). */


html:not([data-theme="dark"]) .tc-motor{color:var(--k-motor)!important}html:not([data-theme="dark"]) .tc-health{color:var(--k-health)!important}html:not([data-theme="dark"]) .tc-reg{color:var(--k-reg)!important}
html:not([data-theme="dark"]) .tc-markets{color:var(--k-markets)!important}html:not([data-theme="dark"]) .tc-claims{color:var(--k-claims)!important}html:not([data-theme="dark"]) .tc-dist{color:var(--k-dist)!important}
html:not([data-theme="dark"]) .tc-cyber{color:var(--k-cyber)!important}html:not([data-theme="dark"]) .tc-ins{color:var(--k-ins)!important}html:not([data-theme="dark"]) .tc-gen{color:var(--k-gen)!important}
html:not([data-theme="dark"]) .mstrip{background:var(--tint-blue);color:#1d2a3f;border-top:1px solid #d5e0ef;border-bottom:1px solid #d5e0ef}
html:not([data-theme="dark"]) .mstrip i{color:#5a6477}html:not([data-theme="dark"]) .mstrip .ms-l{color:var(--k-reg)}html:not([data-theme="dark"]) .mstrip a{color:var(--link)}html:not([data-theme="dark"]) .mstrip .up{color:#1E6B45}html:not([data-theme="dark"]) .mstrip .dn{color:#A8261C}
html:not([data-theme="dark"]) #imp.rg-wrap{background:var(--tint-lav);padding:12px;border-radius:2px}
html:not([data-theme="dark"]) .rg thead th{background:var(--tint-head);color:#2a4365;border-bottom-color:#2a4365}
html:not([data-theme="dark"]) .rg-kick{color:var(--k-reg)}
html:not([data-theme="dark"]) .bf-cons{background:var(--tint-sand);border-color:#ecdcc4}
html:not([data-theme="dark"]) .bf-h2 a,html:not([data-theme="dark"]) .rg-m a{color:var(--link)}
html:not([data-theme="dark"]) .wh-t{display:block;padding:0 0 10px;border-bottom:3px solid transparent}
html:not([data-theme="dark"]) .wh-g .wh-t:nth-child(5n+1){border-color:#c9d8ec}html:not([data-theme="dark"]) .wh-g .wh-t:nth-child(5n+2){border-color:#cfe0cf}html:not([data-theme="dark"]) .wh-g .wh-t:nth-child(5n+3){border-color:#ecd9bd}html:not([data-theme="dark"]) .wh-g .wh-t:nth-child(5n+4){border-color:#d9d1ec}html:not([data-theme="dark"]) .wh-g .wh-t:nth-child(5n){border-color:#efd2cc}
html:not([data-theme="dark"]) .gx-t[aria-selected=true]{background:var(--tint-sand)}
html:not([data-theme="dark"]) .gx-t:nth-child(4n+1) b{color:var(--k-motor)}html:not([data-theme="dark"]) .gx-t:nth-child(4n+2) b{color:var(--k-health)}html:not([data-theme="dark"]) .gx-t:nth-child(4n+3) b{color:var(--k-dist)}html:not([data-theme="dark"]) .gx-t:nth-child(4n) b{color:var(--k-markets)}

/* ===== Top nav v2 (2026-10-28): icon + label, jewel-tone accents. Icons come from GI_ICONS in gi-theme.js (same set as the home tiles). ===== */
.topnav .nl,.topnav .navcta{--ic:var(--c,var(--accent))}
[data-theme="dark"] .topnav .nl,[data-theme="dark"] .topnav .navcta{--ic:var(--cd,var(--accent))}
.topnav .nv-i{display:inline-grid;place-items:center;flex:none;color:var(--ic);transition:filter .18s,transform .18s,background .18s}
.topnav .nv-i svg{width:16px;height:16px;overflow:visible;display:block}
.topnav .nv-i .d{fill:currentColor;fill-opacity:.2;stroke:none;transition:fill-opacity .18s}
.topnav .nl{display:inline-flex;align-items:center;gap:6px;position:relative;white-space:nowrap;transition:background .18s,color .18s}
.topnav .nl:hover{color:var(--text);background:color-mix(in srgb,var(--ic) 9%,transparent)}
.topnav .nl:hover .nv-i{filter:saturate(1.25) brightness(1.08)}
.topnav .nl:hover .nv-i .d,.topnav .nl.on .nv-i .d{fill-opacity:.38}
.topnav .nl.on{color:var(--text);font-weight:600;background:linear-gradient(180deg,color-mix(in srgb,var(--ic) 14%,transparent),color-mix(in srgb,var(--ic) 6%,transparent));box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--ic) 22%,transparent)}
.topnav .nl.on::after{content:"";position:absolute;left:9px;right:9px;bottom:1px;height:2px;border-radius:2px;background:var(--gold);opacity:.9}
.topnav a:focus-visible,.topnav .iconbtn:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.topnav .navcta{display:inline-flex;align-items:center;gap:7px;white-space:nowrap;border-radius:var(--r-btn);background:linear-gradient(180deg,#22325a,#14213D);box-shadow:inset 0 1px 0 rgba(255,255,255,.1),0 6px 14px -10px rgba(20,33,61,.7);transition:box-shadow .18s,border-color .18s,filter .18s}
[data-theme="dark"] .topnav .navcta{background:linear-gradient(180deg,#2A364D,#1C2638)}
.topnav .navcta .nv-i{color:#E5B661}
.topnav .navcta:hover{text-decoration:none;filter:brightness(1.12);border-color:#E5B661;box-shadow:inset 0 1px 0 rgba(255,255,255,.14),0 8px 18px -10px rgba(217,178,106,.55)}
.topnav .navcta:hover .nv-i .d{fill-opacity:.4}
.topnav .navcta .nv-i .d{fill-opacity:.25}
.topnav .navcta.on{outline:2px solid var(--gold);outline-offset:1px}
/* Nav groups (step 3, 2026-10-28): 6 groups, Learn + Respond are menus. Desktop = one row with dropdowns; <=1180px = hamburger with headed lists. The Respond to IRDAI button is ALWAYS in the bar. */
.topnav .brand{white-space:nowrap}
.topnav .ngb{background:none;border:0;font-family:inherit;cursor:pointer}
.topnav .ng-car{flex:none;opacity:.7;transition:transform .18s}
.topnav .ng.open .ng-car{transform:rotate(180deg)}
.topnav .ng.has-on .ngb{color:var(--text);font-weight:600}
.topnav .nv-d{display:none}
.topnav .navcta .nv-t small{font-size:inherit}
@media(min-width:1181px){
.topnav .in{flex-wrap:nowrap;padding:10px 20px;max-width:var(--w-wide);gap:4px}
.topnav .brand{margin-right:10px;flex:none}
.topnav .links{order:1;flex:1;display:flex;justify-content:center;gap:2px;min-width:0}
.topnav .links>.nl,.topnav .ngb{font-size:13.5px;padding:7px 10px;letter-spacing:-.005em}
.topnav .navcta.cta-top{order:2;margin:0 4px 0 6px;padding:7px 13px;font-size:13px}
.topnav .theme{order:3}
.topnav .menu,.topnav .ngh{display:none}
.topnav .ng{position:relative;display:flex}
.topnav .ngm{display:none;position:absolute;top:calc(100% + 8px);left:0;z-index:60;min-width:330px;padding:8px;border-radius:14px;background:var(--bg2);border:1px solid var(--line2);box-shadow:0 22px 40px -18px rgba(20,33,61,.45)}
.topnav .ngm::before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
.topnav .ng.open .ngm{display:block}
.topnav .ngm .ni{display:grid;grid-template-columns:32px 1fr;column-gap:12px;align-items:center;white-space:normal;padding:9px 10px;border-radius:10px;font-size:14px;font-weight:600;color:var(--text)}
.topnav .ngm .ni .nv-i{grid-row:1/3;width:32px;height:32px;border-radius:9px;background:linear-gradient(150deg,color-mix(in srgb,var(--ic) 20%,var(--s2)),color-mix(in srgb,var(--ic) 7%,var(--s2)));box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--ic) 26%,transparent),inset 0 1px 0 rgba(255,255,255,.35)}
.topnav .ngm .ni .nv-i svg{width:18px;height:18px}
.topnav .ngm .ni .nv-d{display:block;grid-column:2;font-size:12px;font-weight:400;color:var(--t3);line-height:1.35}
.topnav .ngm .ni.on::after{display:none}
.topnav .ngm .ni.on{box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--ic) 30%,transparent)}
.topnav .ngm .ni-resp{background:color-mix(in srgb,var(--gold) 12%,transparent);box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--gold) 38%,transparent);margin-bottom:4px}
}
@media(max-width:1180px){
.topnav .nl{display:none}.topnav .menu{display:grid}
.topnav .ngb,.topnav .links .ngb{display:none!important}
.topnav .in{padding:12px 20px}
.topnav .navcta.cta-top{margin:0 4px 0 auto;padding:6px 11px;font-size:12.5px}
.topnav .brand{margin-right:0}
.topnav.open .links{display:grid;grid-template-columns:1fr;gap:2px}
.topnav.open .links .nl{display:flex}
.topnav .ng,.topnav .ngm{display:contents}
.topnav .ngh{display:block;grid-column:1/-1;margin:8px 10px 0;padding-top:8px;border-top:1px solid var(--line);font:700 11px Inter,sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--t3)}
.topnav .links{display:none;position:absolute;top:58px;left:0;right:0;padding:10px 16px 16px;background:var(--bg2);border-bottom:1px solid var(--line);box-shadow:0 18px 30px -20px rgba(20,33,61,.35);max-height:calc(100vh - 70px);overflow-y:auto}
.topnav .links .nl{font-size:15px;padding:7px 10px;gap:12px;border-radius:10px;min-height:44px}
.topnav .links .nl .nv-i{width:30px;height:30px;border-radius:9px;background:linear-gradient(150deg,color-mix(in srgb,var(--ic) 20%,var(--s2)),color-mix(in srgb,var(--ic) 7%,var(--s2)));box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--ic) 26%,transparent),inset 0 1px 0 rgba(255,255,255,.35)}
.topnav .links .nl .nv-i svg{width:18px;height:18px}
.topnav .links .nl.on::after{left:52px;right:12px;bottom:3px}
.topnav .links .ni-resp{background:color-mix(in srgb,var(--gold) 12%,transparent);box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--gold) 38%,transparent)}
}
@media(min-width:640px) and (max-width:1180px){.topnav.open .links{grid-template-columns:1fr 1fr;column-gap:10px}}
@media(max-width:700px){.topnav .in{padding:10px 12px}.topnav .navcta.cta-top{padding:6px 10px;font-size:12.5px;gap:6px}.topnav .navcta.cta-top .nv-t small{display:none}.topnav .brand{font-size:17px;gap:8px}}
@media(max-width:430px){.topnav .brand small{display:none}}
@media(prefers-reduced-motion:reduce){.topnav .nv-i,.topnav .nv-i .d,.topnav .nl,.topnav .navcta{transition:none}}

/* ===== Footer v2 (2026-10-28): one shared footer, built by assets/gi-theme.js into #footer on every page except the dashboard. ===== */
#footer{margin-top:64px;padding:26px 0 34px;border-top:1px solid var(--line);color:var(--t3);font-size:13px;line-height:1.5;background:linear-gradient(180deg,transparent,var(--bg2,transparent))}
#footer .gf{display:grid;gap:16px}
#footer .gf-main{display:flex;align-items:center;justify-content:space-between;gap:16px 28px;flex-wrap:wrap}
#footer .gf-about{display:flex;align-items:center;gap:6px 18px;flex:1 1 440px;min-width:0;flex-wrap:wrap}
#footer .gf-about p{margin:0;flex:1 1 280px;max-width:520px;color:var(--t3)}
#footer .gf-brand{margin:0;font-size:17px;white-space:nowrap;text-decoration:none}
#footer .gf-cta{--ic:#E5B661;display:inline-flex;align-items:center;gap:8px;padding:11px 18px;border-radius:var(--r-btn);border:1px solid var(--gold);color:#fff;font-weight:600;font-size:14.5px;white-space:nowrap;text-decoration:none;background:linear-gradient(180deg,#22325a,#14213D);box-shadow:inset 0 1px 0 rgba(255,255,255,.1),0 6px 14px -10px rgba(20,33,61,.7);transition:box-shadow .18s,border-color .18s,filter .18s}
[data-theme="dark"] #footer .gf-cta{background:linear-gradient(180deg,#2A364D,#1C2638);color:#fff}
#footer .gf-cta:hover{filter:brightness(1.12);border-color:#E5B661;box-shadow:inset 0 1px 0 rgba(255,255,255,.14),0 8px 18px -10px rgba(217,178,106,.55)}
#footer .gf-cta small{opacity:.85;font-weight:500}
#footer .gf-cta .gf-ar{color:#E5B661;transition:transform .18s}#footer .gf-cta:hover .gf-ar{transform:translateX(3px)}
#footer .nv-i{display:inline-grid;place-items:center;flex:none;color:var(--ic,var(--accent))}
#footer .nv-i svg{display:block;overflow:visible}
#footer .nv-i .d{fill:currentColor;fill-opacity:.22;stroke:none}
#footer .gf-cta .nv-i .d{fill-opacity:.28}
[data-theme="dark"] #footer .gf-links a{--ic:var(--cd,var(--accent))}
#footer .gf-links{display:flex;flex-wrap:wrap;gap:4px 8px;padding-top:14px;border-top:1px solid var(--line)}
#footer .gf-links a{--ic:var(--c,var(--accent));display:inline-flex;align-items:center;gap:7px;padding:6px 10px;border-radius:8px;color:var(--t2);font-size:13px;font-weight:500;text-decoration:none;transition:background .18s,color .18s}
#footer .gf-links a:hover{color:var(--text);background:color-mix(in srgb,var(--ic) 9%,transparent)}
#footer .gf-links a:hover .nv-i .d{fill-opacity:.4}
#footer a:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
#footer .gi-by{font-size:12px;color:var(--t3)}
#footer .gi-by a{color:var(--gold);font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:6px;vertical-align:middle}
#footer .gi-by a svg{border-radius:3px}
@media(max-width:700px){#footer{margin-top:48px;padding:22px 0 30px}#footer .gf-cta{width:100%;justify-content:center;min-height:46px}#footer .gf-links{display:grid;grid-template-columns:1fr 1fr;gap:2px 8px}#footer .gf-links a{min-height:44px;padding:6px 10px}}
@media(prefers-reduced-motion:reduce){#footer .gf-cta,#footer .gf-cta .gf-ar,#footer .gf-links a{transition:none}}
@media print{#footer .gf-cta,#footer .gf-links{display:none}}