/* ============================================================
   INSIGHTS HUB — newspaper-style front page
   ============================================================ */
.insights-hub { padding: 32px 0 80px; background-color: #faf7f2; }
.insights-hub .container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.insights-hub .hub-intro { max-width: 740px; margin: 0 0 28px; font-size: 16px; line-height: 28px; color: rgba(26, 26, 28, 0.72); }
.insights-hub .hub-intro p { margin: 0 0 14px; }
.insights-hub .hub-intro p:last-child { margin-bottom: 0; }
.insights-hub .hub-intro a { color: #c8102e; text-decoration: none; border-bottom: 1px solid rgba(200, 16, 46, 0.3); padding-bottom: 1px; }
.insights-hub .hub-intro a:hover { border-color: #c8102e; }

.insights-hub .section-kicker { display: flex; align-items: center; gap: 14px; margin: 36px 0 18px; }
.insights-hub .section-kicker .kicker-label { font-size: 11px; letter-spacing: 3px; text-transform: uppercase; font-weight: 800; color: #b08e2a; white-space: nowrap; }
.insights-hub .section-kicker .kicker-rule { flex: 1; height: 1px; background-color: rgba(176, 142, 42, 0.25); }

/* Card base */
.insights-hub .insight-card { display: flex; flex-direction: column; background-color: #ffffff; border: 1px solid rgba(26, 26, 28, 0.08); border-radius: 8px; overflow: hidden; text-decoration: none; color: inherit; transition: border-color 0.25s ease, transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s ease; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.03); }
.insights-hub .insight-card:hover { border-color: rgba(176, 142, 42, 0.35); transform: translateY(-2px); box-shadow: 0 14px 32px rgba(0, 0, 0, 0.10); color: inherit; }
.insights-hub .insight-card .card-image { position: relative; width: 100%; aspect-ratio: 16 / 9; background-color: #1a1a1c; overflow: hidden; }
.insights-hub .insight-card .card-image img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1); }
.insights-hub .insight-card:hover .card-image img { transform: scale(1.04); }
.insights-hub .insight-card .card-image::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0, 0, 0, 0) 35%, rgba(0, 0, 0, 0.55) 80%, rgba(0, 0, 0, 0.78) 100%); pointer-events: none; z-index: 1; }
.insights-hub .insight-card .card-image .card-tag { position: absolute; top: 14px; left: 14px; z-index: 2; padding: 5px 10px; font-size: 10px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; color: #ffffff; background-color: rgba(200, 16, 46, 0.92); border-radius: 3px; }
.insights-hub .insight-card .card-image .card-kicker { position: absolute; left: 18px; right: 18px; bottom: 14px; z-index: 2; font-size: 26px; line-height: 1; font-weight: 900; letter-spacing: -0.6px; text-transform: uppercase; color: #ffffff; text-shadow: 0 2px 14px rgba(0, 0, 0, 0.55), 0 0 4px rgba(0, 0, 0, 0.6); }
.insights-hub .insight-card .card-image .card-kicker .kicker-accent { color: #ffd84d; }
.insights-hub .insight-card .card-body { padding: 18px 20px 20px; display: flex; flex-direction: column; flex: 1; }
.insights-hub .insight-card .card-title { font-size: 18px; font-weight: 800; color: #1a1a1c; margin: 0 0 8px; letter-spacing: -0.3px; line-height: 24px; }
.insights-hub .insight-card .card-summary { font-size: 14px; line-height: 22px; color: rgba(26, 26, 28, 0.72); margin: 0 0 14px; flex: 1; }
.insights-hub .insight-card .card-meta { display: flex; align-items: center; justify-content: space-between; gap: 10px; flex-wrap: wrap; padding-top: 10px; border-top: 1px solid rgba(26, 26, 28, 0.06); }
.insights-hub .insight-card .card-meta .card-date { font-size: 12px; color: rgba(26, 26, 28, 0.55); font-weight: 600; }
.insights-hub .insight-card .card-meta .card-read { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 700; color: #c8102e; transition: gap 0.25s ease; }
.insights-hub .insight-card:hover .card-meta .card-read { gap: 10px; }
.insights-hub .insight-card .card-meta .card-read .read-arrow { width: 14px; height: 14px; }

/* LEAD story */
.insights-hub .lead-story { display: grid; grid-template-columns: 1fr; gap: 0; }
.insights-hub .lead-story .card-image { aspect-ratio: 16 / 9; }
.insights-hub .lead-story .card-tag { font-size: 11px; padding: 6px 12px; }
.insights-hub .lead-story .card-image .card-kicker { font-size: 38px; left: 24px; right: 24px; bottom: 22px; letter-spacing: -1px; }
.insights-hub .lead-story .card-body { padding: 24px 22px 24px; }
.insights-hub .lead-story .card-title { font-size: 24px; line-height: 30px; margin: 0 0 12px; letter-spacing: -0.5px; }
.insights-hub .lead-story .card-summary { font-size: 15px; line-height: 24px; }

/* SECONDARY row */
.insights-hub .secondary-row { display: grid; grid-template-columns: 1fr; gap: 18px; }

/* TERTIARY row */
.insights-hub .tertiary-row { display: grid; grid-template-columns: 1fr; gap: 18px; }
.insights-hub .tertiary-row .insight-card .card-image .card-kicker { font-size: 22px; }
.insights-hub .tertiary-row .insight-card .card-title { font-size: 16px; line-height: 22px; }
.insights-hub .tertiary-row .insight-card .card-summary { font-size: 13px; line-height: 21px; }

/* ============================================================
   ARTICLE HERO — editorial photo treatment
   ============================================================ */
.insight-article-hero { position: relative; width: 100%; min-height: 320px; background-color: #0f0f10; overflow: hidden; display: flex; align-items: flex-end; }
.insight-article-hero .hero-image { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0.78; filter: saturate(1.05); }
.insight-article-hero .hero-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15, 15, 16, 0.15) 0%, rgba(15, 15, 16, 0.55) 55%, rgba(15, 15, 16, 0.92) 95%, #faf7f2 100%); }
.insight-article-hero .hero-inner { position: relative; z-index: 2; max-width: 900px; width: 100%; margin: 0 auto; padding: 80px 20px 36px; }
.insight-article-hero .hero-crumbs { display: flex; align-items: center; gap: 8px; font-size: 13px; margin-bottom: 18px; color: rgba(255, 255, 255, 0.65); }
.insight-article-hero .hero-crumbs a { color: #d4af37; text-decoration: none; }
.insight-article-hero .hero-crumbs a:hover { color: #e8c84a; }
.insight-article-hero .hero-crumbs .crumb-sep { color: rgba(255, 255, 255, 0.35); }
.insight-article-hero .hero-tag { display: inline-block; padding: 6px 12px; font-size: 11px; font-weight: 800; letter-spacing: 2px; text-transform: uppercase; color: #ffffff; background-color: rgba(200, 16, 46, 0.92); border-radius: 3px; margin-bottom: 14px; }
.insight-article-hero .hero-kicker { display: block; font-size: 32px; line-height: 1; font-weight: 900; letter-spacing: -0.6px; text-transform: uppercase; color: #ffd84d; margin: 0 0 16px; text-shadow: 0 2px 14px rgba(0, 0, 0, 0.5); }
.insight-article-hero .hero-title { font-size: 30px; line-height: 38px; font-weight: 900; color: #ffffff; letter-spacing: -0.5px; margin: 0 0 14px; max-width: 800px; }
.insight-article-hero .hero-meta { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; font-size: 13px; color: rgba(255, 255, 255, 0.78); font-weight: 600; }
.insight-article-hero .hero-meta .meta-sep { color: rgba(255, 255, 255, 0.3); }

/* ============================================================
   ARTICLE BODY
   ============================================================ */
.insight-page { padding: 40px 0 80px; background-color: #faf7f2; }
.insight-page .container { width: 100%; max-width: 880px; margin: 0 auto; padding: 0 20px; }
.insight-page .insight-meta-row { display: flex; align-items: center; gap: 14px; margin-bottom: 28px; flex-wrap: wrap; }
.insight-page .insight-meta-row .insight-tag { display: inline-block; padding: 4px 10px; font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: #6a5418; background-color: rgba(176, 142, 42, 0.10); border-radius: 3px; }
.insight-page .insight-meta-row .insight-byline { font-size: 13px; color: rgba(26, 26, 28, 0.65); font-weight: 600; }
.insight-page .insight-body { display: flex; flex-direction: column; gap: 32px; }
.insight-page .insight-body .insight-section .section-heading { font-size: 22px; line-height: 30px; font-weight: 800; color: #1a1a1c; margin: 0 0 14px; letter-spacing: -0.3px; }
.insight-page .insight-body .insight-section p { font-size: 16px; line-height: 27px; color: rgba(26, 26, 28, 0.78); margin: 0 0 14px; }
.insight-page .insight-body .insight-section p:last-child { margin-bottom: 0; }
.insight-page .insight-body .insight-section p a { color: #c8102e; text-decoration: none; border-bottom: 1px solid rgba(200, 16, 46, 0.3); padding-bottom: 1px; transition: border-color 0.2s ease; }
.insight-page .insight-body .insight-section p a:hover { border-color: #c8102e; }
.insight-page .insight-body .insight-section p strong { color: #1a1a1c; font-weight: 700; }
.insight-page .insight-body .insight-section .insight-pullquote { padding: 18px 22px; background-color: rgba(176, 142, 42, 0.07); border-left: 3px solid #b08e2a; border-radius: 0 6px 6px 0; margin: 6px 0 14px; }
.insight-page .insight-body .insight-section .insight-pullquote p { font-size: 16px; line-height: 26px; color: rgba(26, 26, 28, 0.85); margin: 0; font-style: italic; }
.insight-page .insight-body .insight-section .insight-table-wrap { margin: 4px 0 18px; overflow-x: auto; border: 1px solid rgba(26, 26, 28, 0.08); border-radius: 8px; background-color: #ffffff; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.03); }
.insight-page .insight-body .insight-section .insight-table { width: 100%; border-collapse: collapse; font-size: 14px; min-width: 560px; }
.insight-page .insight-body .insight-section .insight-table th { font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; color: rgba(26, 26, 28, 0.6); text-align: left; padding: 12px 16px; border-bottom: 1px solid rgba(26, 26, 28, 0.08); background-color: #faf7f2; }
.insight-page .insight-body .insight-section .insight-table td { padding: 12px 16px; border-bottom: 1px solid rgba(26, 26, 28, 0.06); color: #1a1a1c; line-height: 22px; }
.insight-page .insight-body .insight-section .insight-table tr:last-child td { border-bottom: 0; }
.insight-page .insight-body .insight-section .insight-table td.t-num { font-weight: 700; }
.insight-page .insight-body .insight-section .insight-table td.t-positive { color: #047857; font-weight: 700; }
.insight-page .insight-body .insight-section .insight-table td.t-warning { color: #c8102e; font-weight: 700; }
.insight-page .insight-body .insight-section .detail-list { display: flex; flex-direction: column; gap: 8px; margin: 0 0 14px; padding: 0; list-style: none; }
.insight-page .insight-body .insight-section .detail-list .detail-item { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; line-height: 24px; color: rgba(26, 26, 28, 0.78); }
.insight-page .insight-body .insight-section .detail-list .detail-item .detail-icon { width: 16px; height: 16px; flex-shrink: 0; margin-top: 4px; color: #b08e2a; }
.insight-page .insight-body .insight-section .detail-list .detail-item strong { color: #1a1a1c; font-weight: 700; }
.insight-page .insight-body .insight-section .faq-list { display: flex; flex-direction: column; gap: 14px; }
.insight-page .insight-body .insight-section .faq-list .faq-item { padding: 18px 22px; background-color: #ffffff; border: 1px solid rgba(26, 26, 28, 0.08); border-radius: 8px; border-left: 3px solid rgba(176, 142, 42, 0.4); box-shadow: 0 1px 2px rgba(0, 0, 0, 0.03); }
.insight-page .insight-body .insight-section .faq-list .faq-item .faq-question { font-size: 15px; font-weight: 800; color: #1a1a1c; margin: 0 0 8px; letter-spacing: -0.2px; line-height: 22px; }
.insight-page .insight-body .insight-section .faq-list .faq-item .faq-answer { font-size: 14px; line-height: 24px; color: rgba(26, 26, 28, 0.78); margin: 0; }
.insight-page .insight-body .insight-related { padding: 24px 26px; background-color: #ffffff; border: 1px solid rgba(26, 26, 28, 0.08); border-radius: 10px; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.03); }
.insight-page .insight-body .insight-related .related-heading { font-size: 13px; font-weight: 800; letter-spacing: 2px; text-transform: uppercase; color: #b08e2a; margin: 0 0 12px; }
.insight-page .insight-body .insight-related .related-list { display: flex; flex-direction: column; gap: 8px; }
.insight-page .insight-body .insight-related .related-list .related-link { display: inline-flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 700; color: #c8102e; text-decoration: none; }
.insight-page .insight-body .insight-related .related-list .related-link:hover { gap: 10px; }
.insight-page .insight-body .insight-related .related-list .related-link .related-arrow { width: 13px; height: 13px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (min-width: 640px) {
  .insights-hub .secondary-row { grid-template-columns: repeat(2, 1fr); }
  .insights-hub .tertiary-row { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 768px) {
  .insights-hub { padding: 40px 0 100px; }
  .insights-hub .container { padding: 0 40px; }
  .insights-hub .lead-story { grid-template-columns: 1.4fr 1fr; align-items: stretch; }
  .insights-hub .lead-story .card-image { aspect-ratio: auto; height: 100%; min-height: 360px; }
  .insights-hub .lead-story .card-body { padding: 32px 30px; justify-content: center; }
  .insights-hub .lead-story .card-title { font-size: 28px; line-height: 34px; }
  .insights-hub .lead-story .card-summary { font-size: 16px; line-height: 26px; }
  .insight-article-hero { min-height: 380px; }
  .insight-article-hero .hero-inner { padding: 110px 40px 48px; }
  .insight-article-hero .hero-kicker { font-size: 44px; }
  .insight-article-hero .hero-title { font-size: 40px; line-height: 48px; letter-spacing: -1px; }
  .insights-hub .insight-card .card-image .card-kicker { font-size: 30px; }
  .insights-hub .lead-story .card-image .card-kicker { font-size: 52px; }
  .insights-hub .tertiary-row .insight-card .card-image .card-kicker { font-size: 24px; }
  .insight-page { padding: 48px 0 100px; }
  .insight-page .container { padding: 0 40px; }
  .insight-page .insight-body { gap: 36px; }
  .insight-page .insight-body .insight-section .section-heading { font-size: 26px; line-height: 34px; }
  .insight-page .insight-body .insight-section p { font-size: 17px; line-height: 28px; }
}
@media (min-width: 1024px) {
  .insights-hub .lead-story .card-title { font-size: 34px; line-height: 40px; }
  .insights-hub .lead-story .card-image .card-kicker { font-size: 64px; }
  .insights-hub .tertiary-row { grid-template-columns: repeat(3, 1fr); gap: 22px; }
  .insight-article-hero { min-height: 440px; }
  .insight-article-hero .hero-kicker { font-size: 56px; }
  .insight-article-hero .hero-title { font-size: 46px; line-height: 54px; }
}