/* ==========================================================================
   Royal Financial Group — Insights knowledge-hub premium layer
   Loaded ONLY on insights.html, after style.css. Header, nav, footer and
   brand tokens (colors, Poppins/Roboto, radius, shadows) are untouched.
   Mobile-first: base rules target small phones, min-width queries layer up
   to tablet (768px) / desktop (1024px) / large screens (1440px) — the same
   four-tier spacing system used on sectors.html. Motion is restrained
   (fade/stagger/soft hover only) and fully disabled under
   prefers-reduced-motion.
   ========================================================================== */

.icon{stroke:currentColor;fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}

/* ---------- Reveal primitive ---------- */
.ins-rv{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease-soft),transform .7s var(--ease-soft);transition-delay:var(--d,0s);}
.ins-rv.is-in{opacity:1;transform:none;}
@media (prefers-reduced-motion:reduce){.ins-rv{opacity:1;transform:none;transition:none;}}

/* ---------- Section rhythm (four-tier spacing system) ---------- */
.ins-sec{padding-block:80px;}
.ins-sec--tight{padding-block:64px;}
@media (min-width:768px){.ins-sec{padding-block:100px;}.ins-sec--tight{padding-block:76px;}}
@media (min-width:1024px){.ins-sec{padding-block:120px;}.ins-sec--tight{padding-block:88px;}}
@media (min-width:1440px){.ins-sec{padding-block:140px;}.ins-sec--tight{padding-block:100px;}}
.ins-sec--soft{background:linear-gradient(180deg,#F4F9FD 0%,#F7FAFC 100%);}
.ins-wrap{max-width:1320px;margin-inline:auto;padding-inline:20px;}
@media (min-width:768px){.ins-wrap{padding-inline:40px;}}
@media (min-width:1024px){.ins-wrap{padding-inline:60px;}}
@media (min-width:1440px){.ins-wrap{padding-inline:80px;}}
.ins-head{max-width:740px;margin-bottom:44px;}
.ins-head--center{margin-inline:auto;text-align:center;}
.ins-head p.lede{margin-top:14px;}

.ins-hero .btn,.ins-cta .btn{min-height:52px;padding-block:0;display:inline-flex;align-items:center;justify-content:center;}
@media (min-width:1024px){.ins-hero .btn,.ins-cta .btn{min-height:56px;}}

/* ---------- Hero ---------- */
.ins-hero{position:relative;overflow:hidden;background:var(--navy);isolation:isolate;}
.ins-hero__bg{position:absolute;inset:0;z-index:0;}
.ins-hero__bg img{position:absolute;inset:-4% -4%;width:108%;height:108%;object-fit:cover;will-change:transform;}
.ins-hero__scrim{position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,26,47,.90) 0%,rgba(10,60,110,.82) 46%,rgba(10,26,47,.94) 100%);}
.ins-hero__orb{position:absolute;border-radius:50%;filter:blur(2px);opacity:.3;pointer-events:none;}
.ins-hero__orb--a{width:260px;height:260px;right:6%;top:10%;background:radial-gradient(circle at 35% 35%,rgba(23,131,193,.55),transparent 70%);animation:insFloat 9s ease-in-out infinite;}
.ins-hero__orb--b{width:180px;height:180px;left:8%;bottom:12%;background:radial-gradient(circle at 35% 35%,rgba(127,217,166,.35),transparent 70%);animation:insFloat 11s ease-in-out infinite reverse;}
@keyframes insFloat{0%,100%{transform:translateY(0);}50%{transform:translateY(-16px);}}
.ins-hero__inner{position:relative;z-index:1;padding-block:88px 56px;text-align:center;}
@media (min-width:701px){.ins-hero__inner{padding-block:120px 72px;}}
.ins-hero__eyebrow{color:#BFE0F5;justify-content:center;}
.ins-hero h1{color:var(--white);margin-top:10px;max-width:22ch;margin-inline:auto;}
.ins-hero__lede{color:rgba(255,255,255,.88);max-width:66ch;margin:18px auto 0;}

/* Search */
.ins-search{max-width:560px;margin:30px auto 0;position:relative;}
.ins-search input{width:100%;height:54px;border-radius:999px;border:1px solid rgba(255,255,255,.25);background:rgba(255,255,255,.1);backdrop-filter:blur(6px);color:var(--white);font-family:var(--sans);font-size:14.5px;padding:0 54px 0 22px;}
.ins-search input::placeholder{color:rgba(255,255,255,.62);}
.ins-search input:focus{outline:2px solid var(--blue);outline-offset:2px;background:rgba(255,255,255,.16);}
.ins-search__btn{position:absolute;right:6px;top:6px;width:42px;height:42px;border-radius:50%;background:var(--blue);border:0;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:background .25s var(--ease-soft);}
.ins-search__btn:hover{background:#1a90d1;}
.ins-search__btn .icon{width:18px;height:18px;color:var(--white);}
.ins-search__hint{margin:10px 0 0;font-size:12px;color:rgba(255,255,255,.6);text-align:center;min-height:16px;}

.ins-hero__cats{list-style:none;margin:26px auto 0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:9px;max-width:820px;}
.ins-hero__cats button{font-family:var(--mono);font-weight:500;font-size:11px;letter-spacing:.03em;text-transform:uppercase;color:rgba(255,255,255,.88);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.24);border-radius:999px;padding:8px 15px;cursor:pointer;transition:background .25s var(--ease-soft),border-color .25s var(--ease-soft);}
.ins-hero__cats button:hover,.ins-hero__cats button.is-active{background:var(--blue);border-color:var(--blue);color:var(--white);}

.ins-hero__badge{display:inline-flex;align-items:center;gap:8px;margin-top:34px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.24);border-radius:999px;padding:8px 16px 8px 8px;text-decoration:none;transition:background .25s var(--ease-soft),transform .3s var(--ease-soft);}
.ins-hero__badge:hover{background:rgba(255,255,255,.16);transform:translateY(-2px);}
.ins-hero__badge span.tag{background:#7FD9A6;color:#0A3C6E;font-family:var(--mono);font-weight:700;font-size:9.5px;letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:4px 10px;}
.ins-hero__badge span.txt{font-family:var(--sans);font-size:12.5px;color:var(--white);}
@media (prefers-reduced-motion:reduce){.ins-hero__orb{animation:none;}.ins-hero__bg img{transform:none !important;}}

/* ---------- Featured insight ---------- */
.ins-feat{display:grid;grid-template-columns:1fr;gap:0;background:var(--white);border:1px solid var(--border);border-radius:24px;overflow:hidden;box-shadow:var(--shadow-md);}
@media (min-width:861px){.ins-feat{grid-template-columns:1.15fr 1fr;}}
.ins-feat__media{position:relative;overflow:hidden;min-height:240px;}
.ins-feat__media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s var(--ease-soft);}
.ins-feat:hover .ins-feat__media img{transform:scale(1.04);}
.ins-feat__flag{position:absolute;top:18px;left:18px;background:#7FD9A6;color:#0A3C6E;font-family:var(--mono);font-weight:700;font-size:10px;letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:6px 13px;}
.ins-feat__body{padding:30px 26px;display:flex;flex-direction:column;justify-content:center;}
@media (min-width:768px){.ins-feat__body{padding:44px 40px;}}
.ins-feat__meta{display:flex;flex-wrap:wrap;gap:10px 16px;align-items:center;margin-bottom:14px;}
.ins-feat__cat{font-family:var(--mono);font-weight:600;font-size:10.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);background:var(--bg-accent);border-radius:999px;padding:5px 12px;}
.ins-feat__meta span.dim{font-size:12px;color:var(--text-soft);}
.ins-feat__body h2{font-size:clamp(21px,2.6vw,30px);margin:0 0 14px;}
.ins-feat__body h2 a{color:inherit;text-decoration:none;}
.ins-feat__body h2 a:hover{color:var(--blue);}
.ins-feat__body p{color:var(--text-soft);font-size:14.5px;line-height:1.7;margin:0 0 22px;}

/* ---------- Browse by topic ---------- */
.ins-topics{display:grid;grid-template-columns:1fr;gap:20px;}
@media (min-width:561px){.ins-topics{grid-template-columns:1fr 1fr;}}
@media (min-width:768px){.ins-topics{gap:24px;}}
@media (min-width:1024px){.ins-topics{grid-template-columns:repeat(3,1fr);gap:32px;}}
.ins-topic{background:var(--white);border:1px solid var(--border);border-radius:20px;padding:26px 22px;text-decoration:none;display:block;transition:transform .35s var(--ease-soft),box-shadow .35s var(--ease-soft),border-color .35s var(--ease-soft);}
.ins-topic:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--blue);}
.ins-topic__icon{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--ink-raised));display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.ins-topic__icon .icon{width:21px;height:21px;color:var(--white);}
.ins-topic h3{font-size:15.5px;margin-bottom:6px;color:var(--navy);}
.ins-topic p{margin:0 0 12px;color:var(--text-soft);font-size:13px;line-height:1.6;}
.ins-topic__count{font-family:var(--mono);font-weight:600;font-size:10.5px;letter-spacing:.05em;text-transform:uppercase;color:var(--blue);}

/* ---------- Latest insights (article cards) ---------- */
.ins-grid{display:grid;grid-template-columns:1fr;gap:20px;}
@media (min-width:701px){.ins-grid{grid-template-columns:1fr 1fr;gap:24px;}}
@media (min-width:1024px){.ins-grid{grid-template-columns:repeat(3,1fr);gap:32px;}}
.ins-card{background:var(--white);border:1px solid var(--border);border-radius:20px;overflow:hidden;display:flex;flex-direction:column;transition:transform .35s var(--ease-soft),box-shadow .35s var(--ease-soft);}
.ins-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);}
.ins-card__media{overflow:hidden;}
.ins-card__media img{width:100%;aspect-ratio:16/10;object-fit:cover;display:block;transition:transform .5s var(--ease-soft);}
.ins-card:hover .ins-card__media img{transform:scale(1.07);}
.ins-card__body{padding:22px;display:flex;flex-direction:column;flex:1;}
.ins-card__meta{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:center;margin-bottom:12px;}
.ins-card__cat{font-family:var(--mono);font-weight:600;font-size:10px;letter-spacing:.05em;text-transform:uppercase;color:var(--blue);background:var(--bg-accent);border-radius:999px;padding:4px 10px;}
.ins-card__meta span.dim{font-size:11.5px;color:var(--text-soft);}
.ins-card h3{font-size:16px;line-height:1.4;margin:0 0 10px;}
.ins-card h3 a{color:var(--navy);text-decoration:none;}
.ins-card h3 a:hover{color:var(--blue);}
.ins-card p{margin:0 0 16px;color:var(--text-soft);font-size:13.5px;line-height:1.6;flex:1;}
.ins-card__link{font-family:var(--mono);font-weight:600;font-size:11.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--navy);text-decoration:none;display:inline-flex;align-items:center;gap:6px;}
.ins-card__link:hover{color:var(--blue);}
.ins-empty{display:none;text-align:center;padding:40px 20px;color:var(--text-soft);font-size:14px;border:1px dashed var(--border);border-radius:16px;}
.ins-empty.is-shown{display:block;}

/* ---------- Expertise areas ---------- */
.ins-expertise{display:grid;grid-template-columns:1fr;gap:20px;}
@media (min-width:561px){.ins-expertise{grid-template-columns:1fr 1fr;}}
@media (min-width:1024px){.ins-expertise{grid-template-columns:repeat(4,1fr);gap:32px;}}
.ins-exp{background:var(--white);border:1px solid var(--border);border-radius:20px;padding:26px 22px;text-decoration:none;display:block;transition:transform .35s var(--ease-soft),box-shadow .35s var(--ease-soft),border-color .35s var(--ease-soft);}
.ins-exp:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--blue);}
.ins-exp__icon{width:46px;height:46px;border-radius:12px;background:var(--bg-alt);display:flex;align-items:center;justify-content:center;margin-bottom:16px;transition:background .3s var(--ease-soft);}
.ins-exp:hover .ins-exp__icon{background:var(--navy);}
.ins-exp__icon .icon{width:21px;height:21px;color:var(--navy);transition:color .3s var(--ease-soft);}
.ins-exp:hover .ins-exp__icon .icon{color:var(--white);}
.ins-exp h3{font-size:15px;margin-bottom:6px;color:var(--navy);}
.ins-exp p{margin:0;color:var(--text-soft);font-size:12.5px;line-height:1.6;}

/* ---------- Industries covered ---------- */
.ins-inds{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media (min-width:561px){.ins-inds{grid-template-columns:repeat(3,1fr);}}
@media (min-width:1024px){.ins-inds{grid-template-columns:repeat(5,1fr);gap:20px;}}
.ins-ind{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:20px 14px;text-align:center;text-decoration:none;display:flex;flex-direction:column;align-items:center;gap:10px;transition:transform .3s var(--ease-soft),box-shadow .3s var(--ease-soft),border-color .3s var(--ease-soft);}
.ins-ind:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:var(--blue);}
.ins-ind__icon{width:40px;height:40px;border-radius:10px;background:var(--bg-alt);display:flex;align-items:center;justify-content:center;transition:background .3s var(--ease-soft);}
.ins-ind:hover .ins-ind__icon{background:var(--navy);}
.ins-ind__icon .icon{width:19px;height:19px;color:var(--navy);transition:color .3s var(--ease-soft);}
.ins-ind:hover .ins-ind__icon .icon{color:var(--white);}
.ins-ind span{font-size:12.5px;font-weight:600;color:var(--navy);line-height:1.3;}

/* ---------- Why these insights matter ---------- */
.ins-why{display:grid;grid-template-columns:1fr;gap:36px;align-items:center;}
@media (min-width:861px){.ins-why{grid-template-columns:.9fr 1.1fr;gap:56px;}}
.ins-why__media{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);width:100%;aspect-ratio:4/3;}
.ins-why__media img{width:100%;height:100%;object-fit:cover;display:block;}
.ins-why__points{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:16px;}
.ins-why__points li{display:flex;gap:12px;align-items:flex-start;font-size:14px;line-height:1.6;color:var(--charcoal);}
.ins-why__points .icon{width:19px;height:19px;color:#7FD9A6;flex:none;margin-top:2px;}

/* ---------- Compact FAQ ---------- */
.ins-faq{max-width:860px;margin-inline:auto;display:grid;gap:12px;}
.ins-faq__item{border:1px solid var(--border);border-radius:14px;background:var(--white);overflow:hidden;}
.ins-faq__q{width:100%;text-align:left;background:none;border:0;padding:16px 18px;font-family:var(--sans);font-weight:600;font-size:14.5px;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:12px;cursor:pointer;}
.ins-faq__ic{width:16px;height:16px;flex:none;color:var(--blue);transition:transform .3s var(--ease-soft);}
.ins-faq__item.is-open .ins-faq__ic{transform:rotate(45deg);}
.ins-faq__a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease-soft);}
.ins-faq__a p{margin:0;padding:0 18px 16px;color:var(--text-soft);font-size:13.5px;line-height:1.65;}

/* ---------- Final CTA ---------- */
.ins-cta{text-align:center;}
.ins-cta__inner{max-width:680px;margin-inline:auto;}
.ins-cta h2{color:var(--white);}
.ins-cta .lede{color:rgba(255,255,255,.86);margin-inline:auto;}
.ins-cta__row{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:28px;}
.btn--oncta{background:var(--white);border-color:var(--white);color:var(--navy);}
.btn--oncta:hover{background:var(--blue);border-color:var(--blue);color:var(--white);box-shadow:var(--shadow-md);}