:root {
  --ins-ink: #0f1c2e;
  --ins-muted: #5b6b7c;
  --ins-surface: #ffffff;
  --ins-bg: #e8eef5;
  --ins-accent: #1d4ed8;
  --ins-accent-2: #0f766e;
  --ins-line: rgba(15, 28, 46, 0.1);
  --ins-warn: #9a6700;
  --ins-heading: #0f1c2e;
}

.ins-body {
  margin: 0;
  background:
    radial-gradient(1200px 600px at 10% -10%, rgba(29, 78, 216, 0.12), transparent 55%),
    radial-gradient(900px 500px at 100% 0%, rgba(15, 118, 110, 0.1), transparent 50%),
    linear-gradient(180deg, #f4f7fb 0%, var(--ins-bg) 100%);
  color: var(--ins-ink);
  font-family: "Segoe UI", "Source Sans 3", "Helvetica Neue", sans-serif;
  font-size: 1rem;
  line-height: 1.5;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}

.ins-topbar {
  background: linear-gradient(120deg, #0f1c2e 0%, #1d4ed8 55%, #0f766e 140%);
  color: #fff;
  box-shadow: 0 8px 24px rgba(15, 28, 46, 0.18);
}

.ins-eyebrow {
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.88;
  font-weight: 600;
}

.ins-brand {
  font-weight: 700;
  letter-spacing: -0.02em;
  font-size: 1.35rem;
}

.ins-nav {
  display: flex;
  flex-wrap: nowrap;
  gap: 0.45rem;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
  padding-bottom: 0.2rem;
}

.ins-nav-tab {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  min-height: 42px;
  flex: 0 0 auto;
  padding: 0.45rem 0.9rem;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  color: #ecf2ff;
  font-size: 0.875rem;
  font-weight: 600;
  line-height: 1.2;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.15s ease, border-color 0.15s ease;
}

.ins-nav-tab i {
  font-size: 0.9rem;
}

.ins-nav-tab:hover,
.ins-nav-tab:focus-visible {
  background: rgba(255, 255, 255, 0.16);
  border-color: rgba(255, 255, 255, 0.35);
  color: #fff;
  outline: none;
}

.ins-nav-tab.is-active,
.ins-nav-tab[aria-current="page"] {
  background: #fff;
  border-color: #fff;
  color: var(--ins-heading);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.12);
}

.ins-nav-tab.is-active i,
.ins-nav-tab[aria-current="page"] i {
  color: var(--ins-accent);
}

.ins-nav-tab--light {
  background: rgba(255, 255, 255, 0.92);
  color: var(--ins-heading);
}

.ins-nav-tab--ghost {
  border-color: rgba(255, 255, 255, 0.35);
}

.ins-disclosure {
  background: #fff8e6;
  border: 1px solid rgba(154, 103, 0, 0.2);
  border-radius: 12px;
  padding: 0.9rem 1rem;
  color: #5c4810;
  margin-bottom: 1rem;
  font-size: 0.92rem;
  line-height: 1.5;
}

.ins-surface {
  background: var(--ins-surface);
  border: 1px solid var(--ins-line);
  border-radius: 16px;
  padding: 1.25rem 1.35rem;
  box-shadow: 0 8px 24px rgba(15, 28, 46, 0.05);
}

.ins-card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0.9rem;
}

.ins-cat-card,
.ins-quote-card {
  display: block;
  width: 100%;
  text-align: left;
  border: 1px solid var(--ins-line);
  border-radius: 14px;
  padding: 1.1rem;
  background: #fff;
  min-height: 132px;
  cursor: pointer;
  transition: transform 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}

.ins-cat-card:hover,
.ins-quote-card:hover {
  border-color: var(--ins-accent);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(29, 78, 216, 0.1);
}

.ins-cat-card i {
  color: var(--ins-accent);
  font-size: 1.35rem;
  margin-bottom: 0.45rem;
}

.ins-cat-card h3,
.ins-quote-card h3 {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--ins-heading);
  margin: 0.2rem 0;
}

.ins-cat-loading,
.ins-cat-error {
  grid-column: 1 / -1;
  display: flex;
  align-items: center;
  gap: 0.65rem;
  padding: 1rem 1.1rem;
  border-radius: 12px;
  background: #fff;
  border: 1px dashed rgba(29, 78, 216, 0.22);
  color: var(--ins-muted);
  font-size: 0.95rem;
}

.ins-cat-loading-spinner {
  width: 1rem;
  height: 1rem;
  border: 2px solid rgba(29, 78, 216, 0.2);
  border-top-color: var(--ins-accent);
  border-radius: 50%;
  animation: ins-spin 0.8s linear infinite;
}

@keyframes ins-spin {
  to { transform: rotate(360deg); }
}

.ins-card-grid[aria-busy="false"] .ins-cat-loading {
  display: none;
}

.ins-sample-banner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.75rem;
  padding: 0.85rem 1rem;
  margin-bottom: 1rem;
  border-radius: 12px;
  background: linear-gradient(90deg, #eef2ff 0%, #ecfdf5 100%);
  border: 1px solid rgba(29, 78, 216, 0.18);
}

.ins-sample-banner i {
  font-size: 1.25rem;
  color: var(--ins-accent);
}

.ins-sponsored,
.ins-sample-tag {
  display: inline-block;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 700;
  border-radius: 999px;
  padding: 0.15rem 0.5rem;
  margin-left: 0.25rem;
}

.ins-sponsored {
  background: #eef2ff;
  color: #3730a3;
}

.ins-sample-tag {
  background: #fef3c7;
  color: #92400e;
}

.ins-table-wrap {
  border: 1px solid var(--ins-line);
  border-radius: 12px;
  overflow: hidden;
}

.ins-compare-table {
  width: 100%;
  font-size: 0.92rem;
  margin: 0;
}

.ins-compare-table thead th {
  background: #f1f5f9;
  color: var(--ins-heading);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.75rem 0.65rem;
  border-bottom: 1px solid var(--ins-line);
  white-space: nowrap;
}

.ins-compare-table tbody td {
  padding: 0.8rem 0.65rem;
  vertical-align: top;
  border-bottom: 1px solid rgba(15, 28, 46, 0.06);
  color: var(--ins-ink);
}

.ins-compare-table tbody tr:last-child td {
  border-bottom: none;
}

.ins-compare-table tbody tr:hover td {
  background: rgba(29, 78, 216, 0.04);
}

.ins-cta-row { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.ins-hidden { display: none !important; }
.ins-metric { font-size: 1.4rem; font-weight: 700; }
.ins-muted { color: var(--ins-muted); }

.ins-fs-group {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.ins-fs-chip {
  background: rgba(255, 255, 255, 0.14);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  color: #fff;
  text-decoration: none;
  font-size: 0.8rem;
  font-weight: 600;
}

.ins-verified-badge {
  display: inline-block;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-weight: 700;
  border-radius: 999px;
  padding: 0.15rem 0.5rem;
  background: #ecfdf5;
  color: #047857;
}

.ins-cta-band {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
}

.ins-broker-card {
  min-height: 10rem;
}

.ins-stack {
  display: grid;
  gap: 0.75rem;
}

.ins-sticky-cta {
  display: none;
}

@media (max-width: 720px) {
  .ins-card-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .ins-compare-table { display: block; overflow-x: auto; }
  .ins-cta-band { flex-direction: column; }
  .ins-cta-band .btn { min-height: 44px; width: 100%; }
  .ins-sticky-cta {
    display: flex;
    position: sticky;
    bottom: 0.75rem;
    justify-content: center;
    z-index: 4;
  }
  .ins-sticky-cta .btn { min-height: 44px; width: min(100%, 22rem); }
}

@media (max-width: 390px) {
  .ins-card-grid { grid-template-columns: 1fr; }
  .ins-nav-tab { padding: 0.4rem 0.7rem; }
}