/* ============================================================================
   cust-learn-c1-worldclass-2026-05-24 — Learn page stylesheet
   Built to be the best /learn/{vertical}-insurance design in the industry.
   Scoped via gbc-learn-* prefix to avoid colliding with anything existing.
   ============================================================================ */

:root {
  --gbc-learn-navy:        #1a365d;
  --gbc-learn-navy-light:  #2c5282;
  --gbc-learn-orange:      #dd6b20;
  --gbc-learn-orange-dark: #c05621;
  --gbc-learn-blue:        #3182ce;
  --gbc-learn-blue-light:  #ebf8ff;
  --gbc-learn-text:        #1a202c;
  --gbc-learn-muted:       #4a5568;
  --gbc-learn-soft:        #f7fafc;
  --gbc-learn-soft-2:      #edf2f7;
  --gbc-learn-border:      #e2e8f0;
  --gbc-learn-success:     #38a169;
  --gbc-learn-success-dk:  #2f855a;
  --gbc-learn-warn-bg:     #fef5e7;
  --gbc-learn-info-bg:     #ebf8ff;
  --gbc-learn-purple:      #6b46c1;
}

.gbc-learn-shell {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--gbc-learn-text);
  background: #fff;
  line-height: 1.7;
  font-size: 17px;
}
.gbc-learn-container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

/* ===== Variant visibility (cookie-driven, server-rendered, no JS flash) ===== */
.gbc-variant-a .gbc-learn-cta-b,
.gbc-variant-a .gbc-cta-rail-b,
.gbc-variant-a .gbc-mobile-cta-b { display: none !important; }
.gbc-variant-b .gbc-learn-cta-a,
.gbc-variant-b .gbc-cta-rail-a,
.gbc-variant-b .gbc-mobile-cta-a { display: none !important; }

/* ===== Reading-progress bar (top, scroll-driven) ===== */
.gbc-reading-progress {
  position: fixed; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gbc-learn-orange), var(--gbc-learn-success));
  transform: scaleX(0); transform-origin: 0 0;
  z-index: 200;
  transition: transform 80ms linear;
  pointer-events: none;
}

/* ===== Header ===== */
.gbc-learn-header {
  background: #fff;
  border-bottom: 1px solid var(--gbc-learn-border);
  padding: 14px 0;
  position: sticky; top: 0; z-index: 100;
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
}
.gbc-learn-header .gbc-learn-container {
  display: flex; align-items: center; justify-content: space-between;
}
.gbc-learn-logo-wrap {
  display: inline-flex; align-items: center;
}
.gbc-learn-logo-img {
  height: 64px; width: auto; max-width: 260px;
  object-fit: contain; display: block;
}
@media (max-width: 768px) {
  .gbc-learn-logo-img { height: 48px; max-width: 200px; }
}

.gbc-learn-header-ctas a {
  color: #fff; padding: 10px 20px; border-radius: 6px;
  text-decoration: none; font-weight: 700; font-size: 14px;
}
.gbc-learn-cta-a { background: var(--gbc-learn-orange); }
.gbc-learn-cta-a:hover { background: var(--gbc-learn-orange-dark); }
.gbc-learn-cta-b { background: var(--gbc-learn-success); }
.gbc-learn-cta-b:hover { background: var(--gbc-learn-success-dk); }

/* ===== Breadcrumb ===== */
.gbc-learn-breadcrumb { font-size: 13px; color: var(--gbc-learn-muted); padding: 18px 0; }
.gbc-learn-breadcrumb a { color: var(--gbc-learn-blue); text-decoration: none; }
.gbc-learn-breadcrumb .sep { color: #ccc; margin: 0 6px; }

/* ===== Article header ===== */
.gbc-learn-article-header {
  padding: 22px 0 24px 0;
  border-bottom: 1px solid var(--gbc-learn-border);
  margin-bottom: 36px;
}
.gbc-learn-article-tag {
  display: inline-block; background: var(--gbc-learn-info-bg); color: var(--gbc-learn-navy);
  padding: 5px 14px; border-radius: 999px; font-size: 12px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 18px;
}
.gbc-learn-shell h1 {
  font-size: 44px; color: var(--gbc-learn-navy); margin: 0 0 22px 0;
  font-weight: 800; letter-spacing: -0.025em; line-height: 1.15;
}

/* ===== Meta row (author + reviewer + dates) ===== */
.gbc-learn-meta-row {
  display: flex; gap: 18px; flex-wrap: wrap; align-items: center;
  margin: 18px 0 20px 0;
}
.gbc-learn-author-pill, .gbc-learn-reviewer-pill {
  display: flex; gap: 12px; align-items: center;
}
.gbc-learn-author-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gbc-learn-navy), var(--gbc-learn-blue));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 15px; flex-shrink: 0;
}
.gbc-learn-reviewer-avatar {
  width: 36px; height: 36px; font-size: 13px;
  background: linear-gradient(135deg, var(--gbc-learn-success-dk), var(--gbc-learn-success));
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; flex-shrink: 0;
}
.gbc-learn-author-info strong, .gbc-learn-reviewer-info strong {
  color: var(--gbc-learn-text); display: block; font-size: 14px; font-weight: 700;
}
.gbc-learn-reviewer-info small {
  color: var(--gbc-learn-muted); font-size: 11px; text-transform: uppercase;
  letter-spacing: 0.5px; font-weight: 700; display: block;
}
.gbc-learn-credential-tag {
  background: var(--gbc-learn-soft); padding: 2px 8px; border-radius: 4px;
  font-size: 11px; font-weight: 700; color: var(--gbc-learn-navy); margin-left: 4px;
}
.gbc-learn-meta-line { font-size: 13px; color: var(--gbc-learn-muted); }
.gbc-learn-meta-line time { color: var(--gbc-learn-text); font-weight: 600; }

/* ===== Disclosure (collapsible FTC disclaimer) ===== */
.gbc-learn-disclosure {
  background: var(--gbc-learn-soft); border-left: 3px solid var(--gbc-learn-muted);
  padding: 10px 16px; border-radius: 4px; margin-top: 14px; font-size: 13px;
}
.gbc-learn-disclosure summary {
  color: var(--gbc-learn-muted); font-weight: 700; cursor: pointer;
  list-style: none; display: inline-block; user-select: none;
}
.gbc-learn-disclosure summary::after { content: ' ↓'; opacity: 0.5; }
.gbc-learn-disclosure[open] summary::after { content: ' ↑'; }
.gbc-learn-disclosure p { color: var(--gbc-learn-muted); margin: 8px 0 0 0; }

/* ===== Trust bar (carrier logos + stats) ===== */
.gbc-learn-trust-bar {
  background: var(--gbc-learn-soft); border-radius: 14px;
  padding: 22px 24px; margin: 0 0 40px 0;
  text-align: center;
}
.gbc-learn-trust-bar-label {
  font-size: 12px; font-weight: 700; color: var(--gbc-learn-muted);
  text-transform: uppercase; letter-spacing: 0.6px; margin: 0 0 14px 0;
}
.gbc-learn-trust-logos {
  display: flex; flex-wrap: wrap; justify-content: center; align-items: center;
  gap: 28px; margin-bottom: 18px;
}
.gbc-learn-trust-logos img { mix-blend-mode: multiply; opacity: 0.85; }
.gbc-learn-trust-stats {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 28px;
  padding-top: 14px; border-top: 1px solid var(--gbc-learn-border);
  font-size: 14px; color: var(--gbc-learn-muted);
}
.gbc-learn-trust-stats strong { color: var(--gbc-learn-navy); font-weight: 800; }

/* ===== Article body ===== */
.gbc-learn-article h2 {
  font-size: 30px; color: var(--gbc-learn-navy); margin: 56px 0 18px 0;
  font-weight: 800; letter-spacing: -0.018em; scroll-margin-top: 100px;
  line-height: 1.25;
}
.gbc-learn-article h3 {
  font-size: 21px; color: var(--gbc-learn-text); margin: 30px 0 12px 0; font-weight: 700;
}
.gbc-learn-article p { margin: 0 0 16px 0; font-size: 17px; }
.gbc-learn-article ul, .gbc-learn-article ol { padding-left: 26px; margin: 0 0 20px 0; }
.gbc-learn-article li { margin: 8px 0; font-size: 17px; }
.gbc-learn-article a { color: var(--gbc-learn-blue); }
.gbc-learn-article strong { color: var(--gbc-learn-text); }

/* Numbered inline citation [1] [2] etc. */
.gbc-learn-article sup.gbc-cite {
  font-size: 11px; font-weight: 700; color: var(--gbc-learn-blue);
  margin: 0 1px; cursor: pointer;
}
.gbc-learn-article sup.gbc-cite a {
  text-decoration: none; color: inherit;
  background: var(--gbc-learn-info-bg); padding: 1px 5px; border-radius: 3px;
}
.gbc-learn-article sup.gbc-cite a:hover { background: var(--gbc-learn-blue); color: #fff; }

/* ===== Quick-answer TL;DR box (top of article, AI Overviews extraction target) ===== */
.gbc-quick-answer {
  border: 2px solid var(--gbc-learn-success);
  background: linear-gradient(135deg, #f0fff4 0%, #e6fffa 100%);
  border-radius: 14px; padding: 22px 26px;
  margin: 0 0 28px 0; position: relative;
}
.gbc-quick-answer-label {
  position: absolute; top: -12px; left: 18px;
  background: var(--gbc-learn-success); color: #fff;
  padding: 4px 14px; border-radius: 999px;
  font-size: 11px; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.6px;
}
.gbc-quick-answer p {
  margin: 0; font-size: 16px; line-height: 1.6; color: var(--gbc-learn-text);
}
.gbc-quick-answer strong { color: var(--gbc-learn-navy); }

/* ===== Stat tiles (4-up under the lead) ===== */
.gbc-stat-tiles {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 14px; margin: 0 0 40px 0;
}
.gbc-stat-tile {
  background: linear-gradient(135deg, var(--gbc-learn-navy) 0%, var(--gbc-learn-navy-light) 100%);
  color: #fff; border-radius: 12px; padding: 22px 18px;
  text-align: center; box-shadow: 0 2px 10px rgba(26,54,93,0.18);
  transition: transform .15s ease;
}
.gbc-stat-tile:hover { transform: translateY(-2px); }
.gbc-stat-tile-num {
  font-size: 38px; font-weight: 900;
  letter-spacing: -0.02em; line-height: 1;
  background: linear-gradient(135deg, #fbd38d, #f6ad55);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
  margin-bottom: 10px;
}
.gbc-stat-tile-suffix {
  font-size: 18px;
  -webkit-text-fill-color: rgba(255,255,255,0.65);
  color: rgba(255,255,255,0.65); font-weight: 700;
}
.gbc-stat-tile-label {
  font-size: 12px; line-height: 1.45; color: rgba(255,255,255,0.92); font-weight: 500;
}

/* ===== Checklist with green checkmarks ===== */
.gbc-learn-checklist {
  list-style: none !important;
  padding: 22px 26px !important;
  background: linear-gradient(135deg, #f0fff4 0%, #e6fffa 100%);
  border: 1px solid #c6f6d5; border-radius: 12px;
  margin: 16px 0 !important;
  columns: 2; column-gap: 36px;
}
.gbc-learn-checklist li {
  font-size: 15px !important; line-height: 1.7;
  break-inside: avoid; margin: 0 !important; padding: 4px 0;
}

@media (max-width: 768px) {
  .gbc-stat-tiles { grid-template-columns: repeat(2, 1fr); }
  .gbc-stat-tile-num { font-size: 30px; }
  .gbc-learn-checklist { columns: 1; }
}

.gbc-learn-lead {
  font-size: 21px; line-height: 1.55; color: var(--gbc-learn-text);
  padding: 26px 28px; background: var(--gbc-learn-soft);
  border-left: 5px solid var(--gbc-learn-orange);
  border-radius: 6px; margin: 0 0 40px 0;
  font-weight: 400;
}
.gbc-learn-lead strong { color: var(--gbc-learn-navy); font-weight: 800; }
.gbc-learn-stat-source {
  color: var(--gbc-learn-muted); font-size: 13px; font-style: italic;
  display: block; margin-top: 10px;
}

.gbc-learn-toc {
  background: var(--gbc-learn-soft); border: 1px solid var(--gbc-learn-border);
  border-radius: 10px; padding: 22px 26px; margin: 0 0 44px 0;
}
.gbc-learn-toc-title {
  font-size: 13px; font-weight: 800; text-transform: uppercase;
  letter-spacing: 0.6px; color: var(--gbc-learn-navy); margin-bottom: 12px;
}
.gbc-learn-toc ol { margin: 0; padding-left: 22px; }
.gbc-learn-toc li { margin: 7px 0; font-size: 15px; }
.gbc-learn-toc a {
  text-decoration: none; color: var(--gbc-learn-blue); font-weight: 600;
  cursor: pointer;
}
.gbc-learn-toc a:hover { text-decoration: underline; }

.gbc-learn-callout {
  padding: 18px 22px; border-radius: 10px; margin: 22px 0;
  display: flex; gap: 14px; align-items: flex-start;
}
.gbc-learn-callout-stat { background: var(--gbc-learn-info-bg); border-left: 4px solid var(--gbc-learn-blue); }
.gbc-learn-callout-warn { background: var(--gbc-learn-warn-bg); border-left: 4px solid var(--gbc-learn-orange); }
.gbc-learn-callout-icon { flex-shrink: 0; font-size: 24px; line-height: 1; }
.gbc-learn-callout-body strong { display: block; margin-bottom: 6px; font-size: 16px; }
.gbc-learn-callout-body small {
  color: var(--gbc-learn-muted); font-size: 12px; display: block; margin-top: 8px;
  font-style: italic;
}

/* ===== Expert quote callout (the highest-LLM-lift element) ===== */
.gbc-learn-expert-quote {
  position: relative;
  border-radius: 14px;
  background: linear-gradient(135deg, #fffaf0 0%, #fef3e2 100%);
  border-left: 5px solid var(--gbc-learn-orange);
  padding: 28px 32px 26px 32px;
  margin: 30px 0;
  font-style: italic;
}
.gbc-learn-expert-quote::before {
  content: '"';
  position: absolute; top: -8px; left: 18px;
  font-size: 80px; font-weight: 900; color: var(--gbc-learn-orange);
  opacity: 0.2; font-family: Georgia, serif; line-height: 1;
}
.gbc-learn-expert-quote p {
  font-size: 18px; line-height: 1.6; color: var(--gbc-learn-text);
  margin: 0 0 14px 0; position: relative;
}
.gbc-learn-expert-quote cite {
  display: flex; gap: 12px; align-items: center;
  font-style: normal; font-size: 14px; color: var(--gbc-learn-muted);
  border-top: 1px solid rgba(221,107,32,0.2); padding-top: 14px;
}
.gbc-learn-expert-quote cite strong {
  color: var(--gbc-learn-navy); font-weight: 800; display: block; font-size: 15px;
}
.gbc-learn-expert-quote .gbc-quote-avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gbc-learn-navy), var(--gbc-learn-blue));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 14px; flex-shrink: 0;
}

/* ===== Coverage cards ===== */
.gbc-learn-coverage-card {
  border: 1px solid var(--gbc-learn-border); border-radius: 12px;
  padding: 22px 26px; margin: 16px 0; background: #fff;
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
  transition: box-shadow .15s ease, transform .15s ease;
}
.gbc-learn-coverage-card:hover {
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
  transform: translateY(-1px);
}
.gbc-learn-coverage-card-header { display: flex; align-items: center; gap: 16px; margin-bottom: 12px; }
.gbc-learn-coverage-card-num {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gbc-learn-navy), var(--gbc-learn-navy-light));
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 15px; flex-shrink: 0;
}
.gbc-learn-coverage-card h3 { margin: 0; flex: 1; }
.gbc-learn-best-for {
  background: var(--gbc-learn-soft); padding: 14px 16px; border-radius: 8px;
  margin-top: 14px; font-size: 14px;
}
.gbc-learn-best-for strong { color: var(--gbc-learn-success-dk); }

/* ===== Tables — horizontally scrollable on mobile ===== */
.gbc-learn-article table.gbc-learn-compare {
  display: block; max-width: 100%; overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
@media (min-width: 600px) {
  .gbc-learn-article table.gbc-learn-compare {
    display: table;
  }
}
table.gbc-learn-compare {
  width: 100%; border-collapse: collapse; margin: 22px 0; font-size: 15px;
  border-radius: 10px; overflow: hidden; box-shadow: 0 1px 4px rgba(0,0,0,0.06);
}
table.gbc-learn-compare th {
  background: linear-gradient(135deg, var(--gbc-learn-navy), var(--gbc-learn-navy-light));
  color: #fff; text-align: left;
  padding: 14px 18px; font-weight: 700; font-size: 14px;
  text-transform: uppercase; letter-spacing: 0.3px;
}
table.gbc-learn-compare td { padding: 14px 18px; border-bottom: 1px solid var(--gbc-learn-border); }
table.gbc-learn-compare tr:nth-child(even) td { background: var(--gbc-learn-soft); }
table.gbc-learn-compare tr:hover td { background: var(--gbc-learn-info-bg); }

/* ===== Scenario blocks ===== */
.gbc-learn-scenario {
  border-left: 4px solid var(--gbc-learn-blue); padding: 16px 22px;
  background: var(--gbc-learn-info-bg); border-radius: 0 10px 10px 0; margin: 18px 0;
}
.gbc-learn-scenario-tag {
  font-size: 12px; font-weight: 800; text-transform: uppercase;
  color: var(--gbc-learn-navy); letter-spacing: 0.5px; margin-bottom: 6px;
  display: block;
}
.gbc-learn-scenario-cost { font-weight: 800; color: var(--gbc-learn-orange); }

/* ===== Glossary ===== */
.gbc-learn-glossary {
  background: var(--gbc-learn-soft); border-radius: 12px; padding: 26px 30px;
  margin: 30px 0;
}
.gbc-learn-glossary h3 { margin-top: 0; color: var(--gbc-learn-navy); }
.gbc-learn-glossary dl { margin: 0; }
.gbc-learn-glossary dt {
  font-weight: 800; color: var(--gbc-learn-navy);
  margin-top: 14px; font-size: 15px;
}
.gbc-learn-glossary dd {
  margin: 4px 0 0 0; font-size: 15px; color: var(--gbc-learn-text);
}

/* ===== FAQ block ===== */
.gbc-learn-faq details {
  border: 1px solid var(--gbc-learn-border); border-radius: 10px;
  padding: 18px 22px; margin: 10px 0; background: #fff;
  transition: background .15s ease;
}
.gbc-learn-faq details[open] { background: var(--gbc-learn-soft); }
.gbc-learn-faq summary {
  font-weight: 700; color: var(--gbc-learn-navy); cursor: pointer;
  font-size: 16px; list-style: none;
  display: flex; justify-content: space-between; align-items: center;
}
.gbc-learn-faq summary::after {
  content: '+'; font-size: 24px; color: var(--gbc-learn-orange); font-weight: 800;
  transition: transform .15s ease;
}
.gbc-learn-faq details[open] summary::after { content: '−'; }
.gbc-learn-faq .gbc-faq-answer { margin-top: 12px; font-size: 15px; line-height: 1.65; }

/* ===== Methodology + Sources sections ===== */
.gbc-learn-methodology {
  background: var(--gbc-learn-soft); border-radius: 10px; padding: 4px 22px;
  margin: 40px 0;
}
.gbc-learn-methodology details summary {
  font-weight: 800; color: var(--gbc-learn-navy);
  cursor: pointer; padding: 16px 0; list-style: none;
  display: flex; align-items: center; gap: 8px; font-size: 16px;
}
.gbc-learn-methodology details summary::before { content: '🔬'; }
.gbc-learn-methodology details summary::after {
  content: '↓'; margin-left: auto; color: var(--gbc-learn-muted);
}
.gbc-learn-methodology details[open] summary::after { content: '↑'; }
.gbc-learn-methodology details p { margin: 0 0 14px 0; font-size: 15px; }
.gbc-learn-methodology details[open] { padding-bottom: 18px; }

.gbc-learn-sources {
  margin: 40px 0;
  padding-top: 32px;
  border-top: 1px solid var(--gbc-learn-border);
}
.gbc-learn-sources h2 {
  font-size: 22px !important; color: var(--gbc-learn-navy); margin: 0 0 18px 0;
}
.gbc-learn-sources-list { padding-left: 22px; font-size: 14px; }
.gbc-learn-sources-list li {
  margin-bottom: 10px; color: var(--gbc-learn-muted); line-height: 1.6;
}
.gbc-learn-sources-list li a { color: var(--gbc-learn-blue); font-weight: 600; }
.gbc-learn-source-pub { color: var(--gbc-learn-muted); font-style: italic; }
.gbc-learn-source-year { color: var(--gbc-learn-muted); }
.gbc-learn-source-note { font-size: 13px; color: var(--gbc-learn-muted); margin-top: 4px; }

/* ===== CTA rails ===== */
.gbc-cta-rail {
  border-radius: 14px; padding: 32px 36px; margin: 44px 0; color: #fff;
  display: flex; align-items: center; justify-content: space-between; gap: 28px;
  box-shadow: 0 4px 16px rgba(26,54,93,0.15);
}
.gbc-cta-rail-a { background: linear-gradient(135deg, var(--gbc-learn-navy), var(--gbc-learn-navy-light)); }
.gbc-cta-rail-b { background: linear-gradient(135deg, var(--gbc-learn-success-dk), var(--gbc-learn-success)); }
.gbc-cta-rail h3 { color: #fff; margin: 0 0 6px 0; font-size: 24px; font-weight: 800; }
.gbc-cta-rail p { color: rgba(255,255,255,0.92); margin: 0; font-size: 15px; }
.gbc-cta-badge {
  display: inline-block; background: rgba(255,255,255,0.18); color: #fff;
  padding: 5px 14px; border-radius: 999px; font-size: 11px;
  font-weight: 800; text-transform: uppercase; letter-spacing: 0.6px;
  margin-bottom: 10px;
}
.gbc-cta-rail-button-a {
  background: var(--gbc-learn-orange); color: #fff !important; padding: 16px 32px;
  border-radius: 10px; text-decoration: none; font-weight: 800; font-size: 16px;
  white-space: nowrap; flex-shrink: 0; box-shadow: 0 4px 14px rgba(221,107,32,0.45);
  transition: background .15s ease, transform .15s ease;
}
.gbc-cta-rail-button-a:hover { background: var(--gbc-learn-orange-dark); transform: translateY(-1px); }
.gbc-cta-rail-button-b {
  background: #fff; color: var(--gbc-learn-success-dk) !important; padding: 16px 32px;
  border-radius: 10px; text-decoration: none; font-weight: 800; font-size: 16px;
  white-space: nowrap; flex-shrink: 0; box-shadow: 0 4px 14px rgba(0,0,0,0.18);
  transition: background .15s ease, transform .15s ease;
}
.gbc-cta-rail-button-b:hover { background: var(--gbc-learn-soft); transform: translateY(-1px); }

/* ===== Author card ===== */
.gbc-learn-author-card {
  background: var(--gbc-learn-soft); border-radius: 14px; padding: 26px 32px;
  margin: 44px 0 24px 0; display: flex; gap: 22px; align-items: flex-start;
  border: 1px solid var(--gbc-learn-border);
}
.gbc-learn-author-card .gbc-learn-author-avatar { width: 68px; height: 68px; font-size: 24px; }
.gbc-learn-author-card h4 { margin: 0 0 8px 0; color: var(--gbc-learn-navy); font-size: 19px; font-weight: 800; }
.gbc-learn-author-card p { margin: 0 0 8px 0; font-size: 14px; color: var(--gbc-learn-muted); line-height: 1.6; }
.gbc-learn-author-creds { font-size: 12px !important; }
.gbc-npn { font-family: ui-monospace, monospace; font-size: 12px; background: #fff; padding: 3px 8px; border-radius: 4px; border: 1px solid var(--gbc-learn-border); }

/* ===== Related ===== */
.gbc-learn-related { border-top: 1px solid var(--gbc-learn-border); padding: 32px 0; margin-top: 44px; }
.gbc-learn-related h3 { color: var(--gbc-learn-navy); font-size: 20px; margin-bottom: 16px; font-weight: 800; }
.gbc-learn-related-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 12px;
}
.gbc-learn-related-link {
  display: block; padding: 14px 18px; background: var(--gbc-learn-soft);
  border-radius: 8px; text-decoration: none; color: var(--gbc-learn-navy);
  font-weight: 700; font-size: 14px; border: 1px solid transparent;
  transition: all .15s ease;
}
.gbc-learn-related-link:hover {
  background: var(--gbc-learn-info-bg); border-color: var(--gbc-learn-blue);
  transform: translateY(-1px);
}

/* ===== Footer ===== */
.gbc-learn-footer {
  background: var(--gbc-learn-navy); color: rgba(255,255,255,0.85);
  padding: 50px 0 30px 0; margin-top: 60px; font-size: 14px;
}
.gbc-learn-footer-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px;
  margin-bottom: 36px;
}
.gbc-learn-footer h5 {
  color: #fff; font-size: 14px; font-weight: 800;
  text-transform: uppercase; letter-spacing: 0.5px;
  margin: 0 0 14px 0;
}
.gbc-learn-footer ul { list-style: none; padding: 0; margin: 0; }
.gbc-learn-footer li { margin-bottom: 8px; }
.gbc-learn-footer li a {
  color: rgba(255,255,255,0.85); text-decoration: none; font-size: 14px;
  transition: color .15s ease;
}
.gbc-learn-footer li a:hover { color: var(--gbc-learn-orange); }
.gbc-learn-footer li span { color: rgba(255,255,255,0.7); font-size: 14px; }
.gbc-learn-footer li .gbc-footer-coming { color: rgba(255,255,255,0.5); }
.gbc-learn-footer li .gbc-footer-coming em {
  font-style: italic; font-size: 11px; color: var(--gbc-learn-orange);
  margin-left: 2px;
}

.gbc-learn-footer-phone {
  font-size: 20px; font-weight: 800; margin: 0 0 6px 0;
}
.gbc-learn-footer-phone a { color: #fff; text-decoration: none; }
.gbc-learn-footer-hours { color: rgba(255,255,255,0.7); font-size: 13px; margin: 0 0 14px 0; }
.gbc-learn-footer-cta {
  display: inline-block; background: var(--gbc-learn-orange); color: #fff !important;
  padding: 10px 18px; border-radius: 6px; text-decoration: none;
  font-weight: 700; font-size: 13px;
}
.gbc-learn-footer-cta:hover { background: var(--gbc-learn-orange-dark); }

.gbc-learn-footer-disclosure {
  background: rgba(255,255,255,0.05);
  border-left: 3px solid rgba(255,255,255,0.3);
  border-radius: 0 8px 8px 0;
  padding: 16px 20px;
  margin: 0 0 24px 0;
  font-size: 12px;
  line-height: 1.65;
  color: rgba(255,255,255,0.78);
}
.gbc-learn-footer-disclosure strong {
  color: rgba(255,255,255,0.95);
  font-weight: 700;
}

.gbc-learn-footer-legal {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 22px;
  display: flex; flex-direction: column; gap: 10px;
  color: rgba(255,255,255,0.6); font-size: 12px;
}
.gbc-learn-footer-links a { color: rgba(255,255,255,0.85); text-decoration: none; }
.gbc-learn-footer-links a:hover { color: var(--gbc-learn-orange); }
.gbc-learn-footer-links span { color: rgba(255,255,255,0.4); margin: 0 6px; }
.gbc-learn-footer-copy { line-height: 1.6; }

/* ===== Sticky mobile bottom CTA bar (with iOS safe-area inset) ===== */
.gbc-learn-mobile-cta-bar {
  display: none;
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 90;
  background: #fff; border-top: 1px solid var(--gbc-learn-border);
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom, 0px)) 14px;
  box-shadow: 0 -4px 14px rgba(0,0,0,0.1);
}
.gbc-learn-mobile-cta-bar a {
  display: block; width: 100%; text-align: center;
  padding: 14px; border-radius: 10px; color: #fff !important;
  text-decoration: none; font-weight: 800; font-size: 16px;
  min-height: 48px; /* touch target */
}
.gbc-mobile-cta-a { background: var(--gbc-learn-orange); }
.gbc-mobile-cta-b { background: var(--gbc-learn-success); }

/* ===== Touch-device hover suppression (avoid stuck :hover on mobile) ===== */
@media (hover: none) {
  .gbc-learn-cta-a:hover, .gbc-learn-cta-b:hover,
  .gbc-cta-rail-button-a:hover, .gbc-cta-rail-button-b:hover,
  .gbc-learn-coverage-card:hover, .gbc-learn-related-link:hover,
  table.gbc-learn-compare tr:hover td,
  .gbc-stat-tile:hover, .gbc-learn-footer-cta:hover,
  .gbc-learn-footer li a:hover, .gbc-learn-toc a:hover {
    transform: none !important;
    background-color: initial;
  }
}

/* ===== Reduced motion preference ===== */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .gbc-reading-progress { transition: none; }
}

/* ===== Touch-target minimums (WCAG 2.5.5 + Apple HIG 44×44, Material 48×48) ===== */
.gbc-learn-header-ctas a,
.gbc-learn-cta,
.gbc-learn-footer-cta,
.gbc-learn-related-link {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

/* ===== Mobile (tablet + phone — 1023px and below) ===== */
@media (max-width: 1023px) {
  .gbc-cta-rail { flex-direction: column; align-items: stretch; padding: 24px; }
  .gbc-cta-rail-button-a, .gbc-cta-rail-button-b { width: 100%; text-align: center; }
}

@media (max-width: 768px) {
  .gbc-learn-shell h1 { font-size: 30px; }
  .gbc-learn-article h2 { font-size: 24px; }
  .gbc-learn-article p { font-size: 16px; }
  .gbc-learn-article li { font-size: 16px; }
  .gbc-learn-lead { font-size: 18px; padding: 20px; }
  .gbc-cta-rail { flex-direction: column; align-items: flex-start; padding: 24px; }
  .gbc-cta-rail h3 { font-size: 21px; }
  .gbc-cta-rail-button-a, .gbc-cta-rail-button-b { width: 100%; text-align: center; }
  .gbc-learn-author-card { flex-direction: column; }
  .gbc-learn-mobile-cta-bar { display: block; }
  .gbc-learn-shell main { padding-bottom: calc(96px + env(safe-area-inset-bottom, 0px)); }
  .gbc-learn-footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .gbc-learn-trust-stats { gap: 16px; font-size: 13px; }
  .gbc-learn-trust-logos { gap: 18px; }
  .gbc-learn-header-ctas a { padding: 10px 14px; font-size: 13px; min-height: 44px; }
  /* WCAG 1.4.4 — readable font minimum */
  .gbc-learn-callout-body small { font-size: 12px; }
  .gbc-learn-stat-source { font-size: 12px; }
  .gbc-learn-footer-copy { font-size: 12px; }
  /* Tables — extra room for swipe */
  .gbc-learn-article table.gbc-learn-compare {
    margin-left: -20px; margin-right: -20px;
    padding-left: 20px; padding-right: 20px;
    width: calc(100% + 40px);
  }
}

/* ===== Small phones (iPhone SE, older Androids) ===== */
@media (max-width: 380px) {
  .gbc-learn-shell h1 { font-size: 26px; }
  .gbc-learn-article h2 { font-size: 22px; }
  .gbc-learn-lead { padding: 16px; font-size: 17px; }
  .gbc-stat-tile-num { font-size: 26px; }
  .gbc-learn-coverage-card { padding: 16px 18px; }
  .gbc-learn-header .gbc-learn-container { padding: 0 14px; }
  .gbc-learn-logo-img { height: 42px; max-width: 170px; }
}
@media (max-width: 480px) {
  .gbc-learn-footer-grid { grid-template-columns: 1fr; }
}