/* insuranceinsiders.xyz: this site's own styles (prefix iix-). System font stacks only. */
:root{--ink:#16202c;--soft:#3d4a5c;--navy:#1f3a5f;--gold:#f2c14e;--paper:#f6f7f4;--card:#ffffff;--line:#c9d0d8;--link:#1d4f91;--visited:#5b3a8c}
*{box-sizing:border-box}
html{font-size:106.25%}
body.iix{margin:0;background:var(--paper);color:var(--ink);font-family:"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;line-height:1.65}
.iix-frame{max-width:58rem;margin:0 auto;padding:0 1.25rem}
.iix-skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:.6rem 1rem;z-index:5}
.iix-skip:focus{left:.5rem;top:.5rem}
a{color:var(--link);text-underline-offset:.18em}
a:visited{color:var(--visited)}
a:focus-visible,button:focus-visible,input:focus-visible{outline:3px solid var(--gold);outline-offset:2px;box-shadow:0 0 0 5px var(--navy)}
.iix-masthead{background:var(--navy);color:#fff;border-bottom:4px solid var(--gold)}
.iix-masthead .iix-frame{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.5rem 1.5rem;padding-top:.8rem;padding-bottom:.8rem}
.iix-home{display:flex;align-items:center;gap:.6rem;color:#fff;text-decoration:none;font-family:Georgia,"Times New Roman",serif;font-size:1.45rem;font-weight:700;letter-spacing:.01em}
.iix-home:visited{color:#fff}
.iix-menu ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.15rem .35rem}
.iix-menu a{display:inline-block;color:#fff;text-decoration:none;padding:.5rem .6rem;min-height:44px;border-bottom:2px solid transparent}
.iix-menu a:visited{color:#fff}
.iix-menu a:hover{border-bottom-color:#fff}
.iix-menu a[aria-current="page"]{border-bottom-color:var(--gold);font-weight:600}
.iix-draftflag{background:#fff4d6;color:#4a3a00;font-size:.9rem;border-bottom:1px solid #e3cf8f}
.iix-draftflag .iix-frame{padding-top:.35rem;padding-bottom:.35rem}
.iix-body{padding-top:1.75rem;padding-bottom:3rem}
.iix-page{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:1.5rem 1.75rem 2rem;max-width:46rem}
.iix-page h1{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:2.05rem;line-height:1.2;margin:0 0 .5rem}
.iix-page h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:1.4rem;margin:2rem 0 .5rem;padding-top:.75rem;border-top:1px solid var(--line)}
.iix-page h3{font-size:1.1rem;margin:1.4rem 0 .3rem;color:var(--ink)}
.iix-page li{margin:.3rem 0}
.iix-byline{color:var(--soft);font-size:.92rem;margin:0 0 1.25rem}
.iix-tablewrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;margin:1rem 0;font-size:.95rem}
th,td{border:1px solid var(--line);padding:.5rem .65rem;text-align:left;vertical-align:top}
thead th{background:#e8edf3}
tbody th{font-weight:600}
.iix-pubdate{font-style:italic}
.iix-group{border:1px solid var(--line);border-radius:4px;margin:1rem 0;padding:.5rem 1rem 1rem}
.iix-group legend{font-weight:700;color:var(--navy);padding:0 .35rem}
.iix-check{display:flex;align-items:flex-start;gap:.6rem;padding:.35rem 0;min-height:44px}
.iix-check input{width:1.35rem;height:1.35rem;margin-top:.2rem;accent-color:var(--navy);flex:none}
.iix-btn{font:inherit;font-weight:700;background:var(--navy);color:#fff;border:2px solid var(--navy);border-radius:4px;padding:.65rem 1.2rem;min-height:44px;cursor:pointer}
.iix-btn:hover{background:#163050}
.iix-btn-alt{background:#fff;color:var(--navy)}
.iix-result{border-left:5px solid var(--gold);background:#fbfaf3;padding:.5rem 1.1rem 1rem;margin:1rem 0}
.iix-result h2{border-top:0;margin-top:.5rem}
.iix-base{background:#14273f;color:#e9edf2;padding:1.75rem 0 2.25rem;font-size:.95rem}
.iix-base a{color:#ffffff}
.iix-base a:visited{color:#e2d7f5}
.iix-owner p{display:inline;margin:0}
.iix-baselinks{list-style:none;padding:0;margin:.75rem 0 0;display:flex;flex-wrap:wrap;gap:.25rem 1.25rem}
.iix-baselinks a{display:inline-block;min-height:44px;padding:.6rem 0}
@media (max-width:40rem){.iix-page{padding:1.1rem 1rem 1.5rem}.iix-page h1{font-size:1.65rem}.iix-home{font-size:1.25rem}}
@media print{.iix-masthead,.iix-base,.iix-draftflag,.iix-btn,.iix-skip{display:none}.iix-page{border:0}body.iix{background:#fff}}

/* Stock photographs, self-hosted (2026-11-11). */
.iix-shot{margin:0 0 1.25rem}
.iix-shot img{display:block;width:100%;max-width:100%;height:auto}
.iix-shot figcaption{margin:.4rem 0 0;font-size:.95rem}