/* Valuo Insights hub (14 Nov 2026). Restrained, institutional editorial: serif display type, ruled lists, paper bands,
   no decorative imagery. Loaded only on /insights/ pages, after vg.css, so it reuses its tokens. */

.ins-hero{padding:clamp(24px,3vw,36px) 0 clamp(36px,5vw,64px);border-bottom:1px solid var(--line)}
.ins-hero-inner{padding-top:clamp(28px,4vw,52px)}
.ins-hero h1{font-size:clamp(2.3rem,4.6vw,3.9rem);max-width:15em}
.ins-hero .lead{max-width:44em}
.ins-reader{margin:18px 0 0;color:var(--muted);font-size:15px;max-width:44em}
.ins-search{display:flex;gap:8px;max-width:640px;margin:30px 0 0}
.ins-search input{flex:1;min-width:0;font:400 16px/1.2 var(--sans);padding:14px 16px;border:1px solid var(--line-strong);border-radius:2px;background:#fff;color:var(--ink)}
.ins-search input:focus{outline:2px solid var(--navy);outline-offset:1px;border-color:var(--navy)}
.ins-search .btn{flex:none}
.ins-topics{margin-top:26px}
.ins-topics ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px}
.ins-topics a{display:inline-block;font:500 13px/1 var(--sans);padding:10px 14px;border:1px solid var(--line-strong);border-radius:2px;text-decoration:none;color:var(--ink);background:#fff}
.ins-topics a:hover{border-color:var(--ink)}
.ins-topics a[aria-current="page"]{background:var(--navy);border-color:var(--navy);color:#fff}

.ins-section{padding:clamp(52px,7vw,96px) 0}
.ins-section-ruled{border-top:1px solid var(--line)}
.ins-section-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:clamp(26px,3vw,40px)}
.ins-section-head h2{font-size:clamp(1.8rem,3vw,2.5rem)}
.ins-section-head .eyebrow{margin-bottom:12px}
.ins-note{color:var(--muted);max-width:46em;margin:-12px 0 28px}

.ins-kicker{font:500 10.5px/1.4 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin:0 0 12px;display:flex;flex-wrap:wrap;align-items:center;gap:0 8px}
.ins-kicker a{color:inherit;text-decoration:none;border-bottom:1px solid var(--line-strong)}
.ins-kicker .sep,.ins-meta .sep{opacity:.5;margin:0 7px}
.ins-meta{font-size:13px;color:var(--muted-2);margin:0}
.ins-draft-tag{display:inline-block;font:600 10px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:#7a4a00;background:#fff3d6;border:1px solid #e7c77d;padding:4px 6px;border-radius:2px;vertical-align:middle;margin-left:6px}
.ins-draft-banner{background:#fff3d6;border-bottom:1px solid #e7c77d;color:#4a3300;font-size:14px;padding:10px 0}

/* cards */
.ins-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(28px,3vw,44px) clamp(24px,3vw,40px)}
.ins-card{border-top:1px solid var(--ink);padding-top:18px}
.ins-card-title{font-size:clamp(1.2rem,1.6vw,1.4rem);line-height:1.25;margin:0 0 10px}
.ins-card-title a{text-decoration:none;color:var(--ink)}
.ins-card-title a:hover{text-decoration:underline;text-underline-offset:4px;text-decoration-thickness:1px}
.ins-card-desc{color:var(--muted);font-size:15px;line-height:1.55;margin:0 0 14px}

/* featured research */
.ins-feature{background:var(--navy);color:#fff;padding:clamp(52px,7vw,96px) 0}
.ins-feature-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(36px,6vw,88px);align-items:center}
.ins-feature h2{color:#fff;font-size:clamp(2rem,3.6vw,3rem)}
.ins-feature h2 a{color:inherit;text-decoration:none}
.ins-feature h2 a:hover{text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:1px}
.ins-feature-lead{color:rgba(255,255,255,.82);font-size:1.08rem;max-width:36em;margin:20px 0 26px}
.ins-feature-facts{margin:0 0 30px;display:grid;gap:0}
.ins-feature-facts div{display:grid;grid-template-columns:150px 1fr;gap:16px;padding:12px 0;border-top:1px solid rgba(255,255,255,.18)}
.ins-feature-facts dt{font:500 11px/1.5 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.62)}
.ins-feature-facts dd{margin:0;font-size:15px;color:#fff}
.ins-feature a:not(.btn){color:var(--brand-on-dark)}
.ins-feature-figure{margin:0}
.ins-feature-figure svg{width:100%;height:auto;display:block}
.ins-feature-figure figcaption{font-size:13.5px;color:rgba(255,255,255,.7);margin-top:12px}
.ev-tier rect{fill:rgba(255,255,255,.1);stroke:rgba(255,255,255,.55)}
.ev-tier-2 rect{fill:rgba(255,255,255,.05);stroke:rgba(255,255,255,.35)}
.ev-tier-3 rect{fill:none;stroke:rgba(255,255,255,.3);stroke-dasharray:5 4}
.ev-h{fill:#fff;font:400 22px var(--serif)}
.ev-s{fill:rgba(255,255,255,.72);font:400 14px var(--sans)}

/* tools band */
.ins-tool-grid{list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.ins-tool{background:#fff;padding:24px 22px 22px;display:flex;flex-direction:column}
.ins-tool h3{font-size:1.25rem;line-height:1.25;margin:0 0 10px}
.ins-tool h3 a{text-decoration:none}
.ins-tool h3 a:hover{text-decoration:underline;text-underline-offset:4px}
.ins-tool p{font-size:14.5px;color:var(--muted);margin:0 0 12px}
.ins-tool .ins-tool-foot{margin-top:auto;font-size:12.5px;color:var(--green);font-weight:500}

/* essentials + reference */
.ins-split{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,1fr);gap:clamp(36px,6vw,96px)}
.ins-essentials{list-style:none}
.ins-essentials li{display:grid;grid-template-columns:56px 1fr;gap:12px;padding:20px 0;border-top:1px solid var(--line)}
.ins-essentials li:last-child{border-bottom:1px solid var(--line)}
.ins-num{font:400 1.6rem/1 var(--serif);color:var(--muted-2)}
.ins-essentials h3{font-size:1.25rem;margin:0 0 6px}
.ins-essentials h3 a{text-decoration:none}
.ins-essentials h3 a:hover{text-decoration:underline;text-underline-offset:4px}
.ins-essentials p{color:var(--muted);font-size:15px;margin:0}
.ins-ref{background:var(--paper);padding:clamp(24px,3vw,36px);align-self:start}
.ins-aside-h{font-size:1.5rem;margin:0 0 6px}
.ins-ref-item{padding:18px 0;border-top:1px solid var(--line)}
.ins-ref-item:first-of-type{border-top:0}
.ins-ref-item h3{font-size:1.2rem;margin:0 0 6px}
.ins-ref-item h3 a{text-decoration:none}
.ins-ref-item p:last-child{font-size:14.5px;color:var(--muted);margin:0}

/* topics */
.ins-topic-grid{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.ins-topic-grid a{display:flex;flex-direction:column;height:100%;background:#fff;padding:24px 22px;text-decoration:none;color:inherit;transition:background .2s}
.ins-topic-grid a:hover{background:#fbfaf7}
.ins-topic-grid h3{font-size:1.2rem;line-height:1.25;margin:0 0 10px}
.ins-topic-grid p{font-size:14px;color:var(--muted);margin:0 0 16px}
.ins-count{margin-top:auto;font:500 12px/1 var(--sans);letter-spacing:.06em;color:var(--navy)}

/* collections */
.ins-collections{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(28px,4vw,56px)}
.ins-collection h3{font-size:1.3rem;margin:0 0 14px;padding-bottom:12px;border-bottom:1px solid var(--ink)}
.ins-collection-by{font:500 12px/1 var(--sans);color:var(--muted);margin-left:8px;letter-spacing:.04em}
.ins-collection ul{list-style:none;columns:2;column-gap:28px}
.ins-collection li{break-inside:avoid;padding:8px 0;border-bottom:1px solid var(--line);font-size:15px}
.ins-collection a{text-decoration:none;display:inline-flex;gap:6px;align-items:center}
.ins-collection a:hover{text-decoration:underline;text-underline-offset:3px}
.ins-collection .i{width:12px;height:12px;color:var(--muted)}

/* group practice items */
.ins-group-grid{list-style:none;display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.ins-group-item a{display:flex;flex-direction:column;height:100%;background:#fff;border:1px solid var(--line);padding:20px;text-decoration:none;color:inherit;transition:border-color .2s}
.ins-group-item a:hover{border-color:var(--ink)}
.ins-group-practice{font:500 10.5px/1.4 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.ins-group-title{font-size:1.12rem;line-height:1.3;margin:0 0 14px}
.ins-group-domain{margin-top:auto;font-size:13px;color:var(--muted-2);display:inline-flex;align-items:center;gap:6px}
.ins-group-domain .i{width:12px;height:12px}

/* archive + pager */
.ins-archive{list-style:none;max-width:52em}
.ins-archive>li{padding:6px 0 26px}
.ins-archive .ins-card-title{font-size:clamp(1.3rem,2vw,1.6rem)}
.ins-pager ul{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin-top:36px}
.ins-pager a,.ins-pager span{display:inline-block;min-width:42px;text-align:center;padding:10px 12px;border:1px solid var(--line-strong);font-size:14px;text-decoration:none;color:var(--ink)}
.ins-pager span[aria-current]{background:var(--navy);border-color:var(--navy);color:#fff}
.ins-pager a:hover{border-color:var(--ink)}

/* articles */
.ins-article-hero{padding:clamp(24px,3vw,36px) 0 0}
.ins-article-head{padding-top:clamp(26px,4vw,48px);max-width:var(--max)}
.ins-article-head h1{font-size:clamp(2.2rem,4.2vw,3.5rem);max-width:17em;margin-bottom:22px}
.ins-facts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 32px;max-width:52em;margin:0 0 18px;border-top:1px solid var(--line)}
.ins-facts div{padding:12px 0;border-bottom:1px solid var(--line)}
.ins-facts dt{font:500 10.5px/1.5 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.ins-facts dd{margin:0;font-size:15px;line-height:1.5}
.ins-article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:clamp(40px,7vw,104px);padding-top:clamp(44px,5vw,72px);padding-bottom:clamp(64px,8vw,104px)}
.ins-prose{max-width:44em}
.ins-wide{max-width:60em}
.ins-prose table td.num,.ins-prose table th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.ins-prose tr.total th,.ins-prose tr.total td{font-weight:600;border-top:2px solid var(--ink)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.table-scroll:focus-visible{outline:2px solid var(--navy)}
.ins-aside{position:relative}
.ins-aside>*{margin-bottom:24px}
.ins-toc{position:sticky;top:calc(var(--header-h) + 20px)}
.ins-toc ol{list-style:none;border-left:1px solid var(--line-strong)}
.ins-toc li{padding:5px 0 5px 14px;font-size:14px;line-height:1.4}
.ins-toc a{text-decoration:none;color:var(--muted)}
.ins-toc a:hover{color:var(--ink)}
.ins-aside-box{background:var(--paper);padding:20px 20px 8px}
.ins-aside-box p{font-size:14.5px}
.ins-aside-box .eyebrow{margin-bottom:10px}
.ins-sources{margin-top:3em;padding-top:1.5em;border-top:1px solid var(--line-strong)}
.ins-sources h2{font-size:1.4rem!important;margin-top:0!important}
.ins-sources ol{padding-left:1.3em}
.ins-sources li{font-size:15px!important;line-height:1.55!important}
.ins-source-note{color:var(--muted)}
.ins-cite{margin-top:2.5em;background:var(--paper);padding:22px 24px}
.ins-cite h2{font-size:1.3rem!important;margin:0 0 .6em!important}
.ins-cite p{font-size:14.5px!important;margin-bottom:.7em}
.ins-cite-text{font-family:var(--serif)!important;font-size:1.05rem!important;color:var(--ink)!important}

/* tools */
.ins-callout{border:1px solid var(--line-strong);border-left:4px solid var(--navy);background:#fff;padding:16px 20px;margin:0 0 28px;max-width:60em}
.ins-callout p{margin:0;font-size:15px}
.ins-callout-warn{border-left-color:#b4532a}
.ins-tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:clamp(36px,6vw,88px)}
.ins-calc fieldset{border:0;border-top:1px solid var(--line-strong);margin:0 0 8px;padding:20px 0 4px}
.ins-calc legend{font:400 1.25rem var(--serif);padding:0 12px 0 0}
.ins-field{margin:0 0 18px;max-width:520px}
.ins-field label{display:block;font-weight:500;font-size:15px;margin-bottom:4px}
.ins-hint{font-size:13.5px;color:var(--muted);margin:0 0 8px;line-height:1.45}
.ins-input{display:flex;align-items:stretch;border:1px solid var(--line-strong);border-radius:2px;background:#fff}
.ins-input:focus-within{outline:2px solid var(--navy);outline-offset:1px}
.ins-prefix{display:flex;align-items:center;padding:0 12px;color:var(--muted);background:var(--paper);border-right:1px solid var(--line)}
.ins-input input,.ins-field select{flex:1;min-width:0;border:0;font:400 16px/1.2 var(--sans);padding:13px 12px;background:transparent;color:var(--ink);font-variant-numeric:tabular-nums}
.ins-input input:focus{outline:none}
.ins-field select{border:1px solid var(--line-strong);border-radius:2px;width:100%;background:#fff}
.ins-err{color:#a3341a;font-size:13.5px;margin:6px 0 0;min-height:0}
.ins-err:empty{display:none}
.is-invalid .ins-input,input.is-invalid{border-color:#a3341a;box-shadow:inset 0 0 0 1px #a3341a}
.ins-row3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.ins-actions{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 10px}
.btn-outline{background:#fff;border:1px solid var(--line-strong);color:var(--ink)}
.ins-result{margin-top:28px;border-top:2px solid var(--ink);padding-top:20px}
.ins-result h2{font-size:1.6rem;margin:0 0 14px}
.ins-result table{width:100%;border-collapse:collapse;font-size:15px;margin:0 0 16px}
.ins-result th,.ins-result td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line)}
.ins-result td.num,.ins-result th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.ins-result tr.total th,.ins-result tr.total td{font-weight:600;border-top:2px solid var(--ink)}
.ins-result-figure{font:400 clamp(2rem,4vw,2.8rem)/1.1 var(--serif);margin:4px 0 16px}
.ins-warn{list-style:none;margin:0 0 16px}
.ins-warn li{border-left:3px solid #b4532a;background:#fdf6f2;padding:10px 14px;margin-bottom:8px;font-size:14.5px}
.ins-formula{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:13.5px!important;line-height:1.8!important;background:var(--paper);padding:14px 16px;color:var(--ink)!important}
.ins-tool-aside .ins-formula{background:#fff}
.ins-sheet-scroll{border:1px solid var(--line)}
.ins-sheet-table{border-collapse:collapse;min-width:860px;width:100%;font-size:14px}
.ins-sheet-table th,.ins-sheet-table td{border-bottom:1px solid var(--line);padding:8px 10px;vertical-align:top;text-align:left}
.ins-sheet-table thead th{background:var(--paper);font-weight:600}
.ins-sheet-table tbody th{font-weight:400;width:32%}
.ins-sheet-table .ins-line{display:block;font-weight:500}
.ins-sheet-table .ins-hint{display:block;margin:2px 0 0;font-size:12.5px}
.ins-sheet-table input{width:100%;min-width:90px;font:400 15px/1.2 var(--sans);padding:9px 8px;border:1px solid var(--line-strong);border-radius:2px;font-variant-numeric:tabular-nums;text-align:right}
.ins-sheet-table td:last-child input{text-align:left;min-width:140px}
.ins-sheet-table input.ins-year{text-align:left;font-weight:600;background:#fff}
.ins-sheet-table .ins-err{font-size:12px}
.ins-chart{margin:1.6em 0}
.ins-chart svg{width:100%;height:auto;border:1px solid var(--line)}
.ins-chart figcaption{font-size:13.5px;color:var(--muted);margin-top:10px;display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center}
.ins-dl{display:inline-flex;align-items:center;gap:6px;font-weight:500;color:var(--navy)}
.ins-download-bar{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-bottom:36px}
.ins-download-bar .ins-hint{margin:0}
.ins-downloads{list-style:none;max-width:52em}
.ins-downloads>li{border-top:1px solid var(--ink);padding:22px 0 26px}
.ins-downloads h2{font-size:1.5rem;margin:0 0 8px}
.ins-downloads ul{list-style:none;margin-top:12px}
.ins-downloads ul a{display:inline-flex;gap:8px;align-items:center;font-weight:500;padding:6px 0}
.ins-checklist{list-style:none;padding-left:0!important}
.ins-checklist li{display:flex;gap:12px;align-items:flex-start}
.ins-box{flex:none;width:16px;height:16px;border:1.5px solid var(--ink);margin-top:6px;border-radius:2px}

/* glossary */
.ins-az ul{list-style:none;display:flex;flex-wrap:wrap;gap:4px;margin-bottom:32px;position:sticky;top:var(--header-h)}
.ins-az a{display:inline-block;width:38px;text-align:center;padding:8px 0;border:1px solid var(--line-strong);text-decoration:none;font-weight:500}
.ins-az a:hover{border-color:var(--ink)}
.ins-glossary{margin:0;max-width:52em}
.ins-gl-letter{scroll-margin-top:calc(var(--header-h) + 20px)}
.ins-gl-letter h2{font-size:2rem;border-bottom:1px solid var(--ink);padding-bottom:8px;margin:36px 0 8px}
.ins-gl-term{padding:16px 0;border-bottom:1px solid var(--line);scroll-margin-top:calc(var(--header-h) + 20px)}
.ins-gl-term dt{font:400 1.25rem var(--serif);margin-bottom:6px}
.ins-gl-term dd{margin:0}
.ins-gl-term dd p{margin:0 0 6px;font-size:16px;line-height:1.6}
.ins-gl-see{font-size:14px!important;color:var(--muted)}
.ins-verdict{display:inline-block;font:600 11px/1.3 var(--sans);letter-spacing:.06em;text-transform:uppercase;padding:4px 6px;border-radius:2px;background:var(--paper-2);white-space:nowrap}
.ins-verdict[data-v="USABLE NOW"]{background:var(--green-soft);color:#2f4a3a}
.ins-verdict[data-v="NOT PUBLISHABLE"]{background:#f6e3dc;color:#7a2c14}
.ins-search-status{color:var(--muted)}

/* print layout (preparation pack PDF) */
.ins-print-body{background:#fff}
.ins-print-head{padding:0 0 18px;border-bottom:2px solid var(--ink);margin-bottom:22px}
.ins-print-head h1{font-size:30px;margin:16px 0 4px}
.ins-print-head p{color:var(--muted);margin:0}
.ins-print .ins-answer{height:54px}
@media print{
  @page{size:A4;margin:16mm 15mm}
  .ins-print-body main{padding:0}
  .ins-print h2{font-size:20px!important;break-after:avoid;margin-top:1.4em!important}
  .ins-print h3{font-size:15px!important;break-after:avoid}
  .ins-print li,.ins-print p,.ins-print td,.ins-print th{font-size:11.5px!important;line-height:1.45!important}
  .ins-print tr{break-inside:avoid}
  .ins-print .table-scroll{overflow:visible}
  /* Every Insights page prints as a clean document: no sticky bars, menus, footer, search or form buttons. */
  .vd-sticky,.vm-pin,.vg-menu,.vg-header-phone,.vg-footer,.ins-toc,.ins-search,.ins-actions,.ins-dl,.btn{display:none!important}
  .vg-header{position:static!important;box-shadow:none!important;border:0!important}
  body{zoom:.82;background:#fff!important}
  .table-scroll{overflow:visible!important}
  h2,h3{break-after:avoid}
  tr,figure,.ins-quick,.ins-aside-box{break-inside:avoid}
  a{color:inherit}
}

@media (max-width:1100px){
  .ins-topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .ins-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:960px){
  .ins-feature-grid,.ins-split,.ins-article-layout,.ins-tool-layout{grid-template-columns:1fr}
  .ins-toc{position:static}
  .ins-collections{grid-template-columns:1fr}
}
@media (max-width:640px){
  .ins-card-grid,.ins-topic-grid{grid-template-columns:1fr}
  .ins-facts{grid-template-columns:1fr}
  .ins-feature-facts div{grid-template-columns:1fr;gap:4px}
  .ins-collection ul{columns:1}
  .ins-search{flex-direction:column}
  .ins-search .btn{justify-content:center}
  .ins-row3{grid-template-columns:1fr}
  .ins-essentials li{grid-template-columns:40px 1fr}
  .ins-actions .btn{flex:1 1 100%;justify-content:center}
}
.ins-print .ins-brief{table-layout:fixed}
.ins-print .ins-brief th:first-child{width:19%}
.ins-print .ins-brief td:nth-child(2),.ins-print .ins-brief th:nth-child(2){width:41%}
.ins-print .ins-brief .ins-answer,.ins-print .ins-brief th:nth-child(3){width:40%;border-left:1px solid var(--line)}
.ins-print .ins-box{margin-top:3px}

/* ---------- Visual blocks in guides (src/lib/visuals.mjs) ---------- */
.ins-visual{margin:2.2rem 0;padding:1.4rem 1.4rem 1.1rem;border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 1px 0 rgba(15,28,39,.03),0 12px 32px -24px rgba(15,28,39,.35)}
.ins-visual figcaption,.ins-visual .ins-v-scale{margin-top:.9rem;font-size:.82rem;color:var(--muted);line-height:1.45}
.ins-visual .ins-v-title{font-family:var(--serif);font-size:1.25rem;line-height:1.25;margin:0 0 1rem;color:var(--ink)}
.ins-v-val{font-variant-numeric:tabular-nums;white-space:nowrap;font-weight:600;color:var(--ink)}
.ins-v-rows{list-style:none;margin:0;padding:0;display:grid;gap:.55rem}
.ins-v-rows li{display:grid;grid-template-columns:minmax(9rem,34%) 1fr auto;align-items:center;gap:.8rem;min-height:2.1rem}
.ins-v-label{font-size:.92rem;line-height:1.3;color:var(--ink)}
.ins-v-label small{display:block;color:var(--muted);font-size:.78rem}
.ins-v-track{position:relative;height:1.35rem;background:linear-gradient(var(--line),var(--line)) 0 50%/100% 1px no-repeat}
.ins-v-bar{position:absolute;top:0;bottom:0;border-radius:3px;background:var(--brand)}
.is-down .ins-v-bar{background:#c2552b}
.is-total .ins-v-bar{background:var(--valuo-navy)}
.is-zero .ins-v-val{color:var(--muted);font-weight:500;font-style:italic}
.is-zero .ins-v-label{color:var(--muted);text-decoration:line-through;text-decoration-color:var(--line-strong)}
.is-down .ins-v-val{color:#a8441f}

.is-broken .ins-v-bar{border-radius:0 3px 3px 0;-webkit-mask:linear-gradient(90deg,transparent 0 4px,#000 4px 7px,transparent 7px 10px,#000 10px);mask:linear-gradient(90deg,transparent 0 4px,#000 4px 7px,transparent 7px 10px,#000 10px)}
.ins-visual .ins-v-scale{margin:.6rem 0 0;font-size:.76rem;color:var(--muted-2)}
.is-end{border-top:1.5px solid var(--ink);padding-top:.55rem}
.is-end .ins-v-label,.is-end .ins-v-val{font-weight:700}
.ins-v-bars .is-highlight .ins-v-bar,.ins-v-rows .is-highlight .ins-v-bar{background:var(--brand)}
.ins-v-bars .ins-v-bar{background:var(--valuo-navy)}
.ins-v-cards{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr))}
.ins-v-card{border:1px solid var(--line);border-radius:12px;padding:1rem 1.1rem;background:#fff;position:relative}
.ins-v-card.is-highlight{border-color:var(--brand);box-shadow:inset 0 3px 0 var(--brand)}
.ins-visual .ins-v-card-name{font-weight:700;margin:0 0 .2rem;color:var(--ink)}
.ins-visual .ins-v-card-sub{margin:0 0 .6rem;font-size:.84rem;color:var(--muted)}
.ins-v-card ul{list-style:none;margin:.4rem 0 0;padding:0}
.ins-v-card li{display:flex;justify-content:space-between;gap:1rem;padding:.35rem 0;border-bottom:1px solid var(--line);font-size:.9rem}
.ins-visual .ins-v-card-total{display:flex;justify-content:space-between;gap:1rem;margin:.6rem 0 0;font-size:1rem}
.ins-v-card-total strong{font-size:1.3rem;font-variant-numeric:tabular-nums;color:var(--valuo-navy)}
.ins-visual .ins-v-card-verdict{margin:.7rem 0 0;padding:.5rem .7rem;border-radius:8px;background:#eef3ff;font-size:.86rem;color:var(--valuo-navy)}
.ins-v-splitbar{position:relative;display:flex;height:3rem;border-radius:8px;overflow:visible;margin:1.9rem 0 .4rem}
.ins-v-seg{display:flex;align-items:center;justify-content:center;color:#fff;font-weight:700;font-size:.9rem;min-width:2px}
.ins-v-seg:first-child{border-radius:8px 0 0 8px}.ins-v-seg:last-of-type{border-radius:0 8px 8px 0}
.tone-0{background:var(--brand)}.tone-1{background:var(--valuo-navy)}.tone-2{background:#7fa6ff}.tone-3{background:#9aa4ae}
.ins-v-mark{position:absolute;top:-1.6rem;bottom:-.3rem;border-left:2px dashed var(--ink)}
.ins-v-mark span{position:absolute;top:0;left:.3rem;font-size:.74rem;white-space:nowrap;color:var(--ink);font-weight:600}
.ins-v-legend{list-style:none;margin:.9rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;font-size:.9rem}
.ins-v-key{display:inline-block;width:.8rem;height:.8rem;border-radius:3px;margin-right:.4rem;vertical-align:-.05rem}
.ins-v-steplist{list-style:none;counter-reset:vstep;margin:0;padding:0;display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(11rem,1fr))}
.ins-v-steplist li{counter-increment:vstep;position:relative;padding:2.6rem 1rem 1rem;border-radius:12px;background:#f4f7ff;border:1px solid #dbe5ff}
.ins-v-steplist li::before{content:counter(vstep);position:absolute;top:.85rem;left:1rem;width:1.6rem;height:1.6rem;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;font-size:.85rem;display:grid;place-items:center}
.ins-visual .ins-v-steplist p{margin:0;font-size:.88rem;line-height:1.45;color:var(--muted)}
.ins-visual .ins-v-steplist .ins-v-step-title{font-weight:700;color:var(--ink);font-size:.97rem;margin-bottom:.3rem}
.ins-visual .ins-v-question{font-weight:700;font-size:1.05rem;margin:0 0 .9rem;padding-left:.9rem;border-left:3px solid var(--brand)}
.ins-v-paths{list-style:none;margin:0;padding:0;display:grid;gap:.7rem;grid-template-columns:repeat(auto-fit,minmax(13rem,1fr))}
.ins-v-paths li{border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem;background:#fff}
.ins-visual .ins-v-if{margin:0 0 .45rem;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--brand);font-weight:700}
.ins-visual .ins-v-then{margin:0;font-size:.93rem;line-height:1.45}
.ins-v-paths li.tone-warn{border-color:#e7b9a5;background:#fff8f5}.ins-v-paths li.tone-warn .ins-visual .ins-v-if{color:#a8441f}
.ins-v-facts{list-style:none;margin:0;padding:0;display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(10rem,1fr))}
.ins-v-facts li{padding:.2rem 0 .2rem 1rem;border-left:3px solid var(--brand)}
.ins-v-facts strong{display:block;font-family:var(--serif);font-size:2rem;line-height:1.1;color:var(--valuo-navy);font-variant-numeric:tabular-nums}
.ins-v-facts span{font-size:.86rem;color:var(--muted)}
.ins-v-checks{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr))}
.ins-v-checks ul{list-style:none;margin:.5rem 0 0;padding:0}
.ins-v-checks li{position:relative;padding:.3rem 0 .3rem 1.7rem;font-size:.9rem;line-height:1.4}
.ins-v-checks li::before{content:"";position:absolute;left:0;top:.42rem;width:1.05rem;height:1.05rem;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' fill='none' stroke='%23fff' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/80% no-repeat}
/* key points as numbered "at a glance" cards */
.quick-answer-points.ins-glance{list-style:none;counter-reset:glance;padding:0;display:grid;gap:.8rem;grid-template-columns:repeat(auto-fit,minmax(13rem,1fr))}
.quick-answer-points.ins-glance li{counter-increment:glance;position:relative;margin:0;padding:2.4rem 1rem 1rem;background:#fff;border:1px solid var(--line);border-radius:12px;font-size:.92rem;line-height:1.45}
.quick-answer-points.ins-glance li::before{content:counter(glance,decimal-leading-zero);position:absolute;top:.8rem;left:1rem;font-weight:700;font-size:.8rem;letter-spacing:.08em;color:var(--brand)}
@media (max-width:600px){
  .ins-visual{padding:1.1rem .95rem .9rem;margin:1.6rem 0}
  .ins-v-rows li{grid-template-columns:1fr auto;grid-template-areas:"l v" "t t";row-gap:.25rem}
  .ins-v-rows .ins-v-label{grid-area:l}.ins-v-rows .ins-v-val{grid-area:v}.ins-v-rows .ins-v-track{grid-area:t;height:.9rem}
  .ins-v-mark span{font-size:.68rem}
}
@media print{.ins-visual{box-shadow:none;break-inside:avoid}}

.ins-visual p{max-width:none}
.ins-visual ul,.ins-visual ol{margin-left:0}
.ins-visual li{margin:0}
.ins-v-card li:has(.is-text){flex-direction:column;gap:.15rem}
.ins-v-card li:has(.is-text)>span:first-child{font-size:.74rem;letter-spacing:.05em;text-transform:uppercase;color:var(--muted);font-weight:600}
.ins-v-val.is-text{white-space:normal;text-align:left;font-weight:500}

/* ---------- picker (interactive decision, CSS only) and equation: structure ---------- */
.ins-v-picker{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:1rem;align-items:stretch}
.ins-v-picks{display:grid;gap:.5rem}
.ins-v-pick{display:flex;gap:.8rem;align-items:center;padding:.8rem 1rem;border-radius:10px;cursor:pointer;border:1px solid var(--line);background:#fff;font-size:.95rem;line-height:1.35;transition:background .2s var(--ease),border-color .2s var(--ease),transform .2s var(--ease)}
.ins-v-pick:hover{transform:translateX(3px)}
.ins-v-pick input{position:absolute;opacity:0;pointer-events:none}
.ins-v-pick:has(input:focus-visible){outline:3px solid var(--brand);outline-offset:2px}
.ins-v-answers{position:relative}
.ins-v-answer{display:none;flex-direction:column;justify-content:center;gap:.5rem;margin:0;height:100%;padding:1.6rem;border-radius:14px}
.ins-v-picker:has(input[value="0"]:checked) .ins-v-answer[data-i="0"]{display:flex}
.ins-v-picker:has(input[value="1"]:checked) .ins-v-answer[data-i="1"]{display:flex}
.ins-v-picker:has(input[value="2"]:checked) .ins-v-answer[data-i="2"]{display:flex}
.ins-v-picker:has(input[value="3"]:checked) .ins-v-answer[data-i="3"]{display:flex}
.ins-v-picker:has(input[value="4"]:checked) .ins-v-answer[data-i="4"]{display:flex}
.ins-v-picker:has(input[value="5"]:checked) .ins-v-answer[data-i="5"]{display:flex}
.ins-v-picker:has(input[value="6"]:checked) .ins-v-answer[data-i="6"]{display:flex}
.ins-v-picker:has(input[value="7"]:checked) .ins-v-answer[data-i="7"]{display:flex}

.ins-v-eq{display:flex;align-items:stretch;gap:.9rem;flex-wrap:wrap}
.ins-v-term{flex:1 1 12rem;padding:1.2rem 1.2rem 1.1rem;border-radius:14px}
.ins-v-op{flex:0 0 auto;align-self:center;font:300 2.6rem/1 var(--serif)}
@media (max-width:720px){.ins-v-picker{grid-template-columns:1fr}.ins-v-op{width:100%;text-align:center;font-size:2rem;line-height:.6}}
.ins-v-op.is-eq{flex-basis:100%;text-align:center;line-height:.6}
.ins-v-term.is-result{flex-basis:100%}

/* ---------- BOLD GRAPHIC LOOK (owner, 14 Nov 2026: liked B1; navy gradients read as AI-made, so none) ----------
   White stage, oversized electric-blue numerals, thick rules, one solid blue hero block per figure. */
:root .ins-visual{background:#fff;border:0;border-top:6px solid var(--brand);border-radius:0;padding:clamp(1.4rem,3vw,2.2rem) 0 1rem;box-shadow:none}
:root .ins-visual .ins-v-title{font:800 clamp(1.4rem,2.6vw,2rem)/1.1 var(--sans);letter-spacing:-.025em;color:var(--valuo-navy);margin:0 0 1.4rem;max-width:30ch}
:root .ins-visual figcaption{font-size:.82rem;color:var(--muted);margin-top:1rem}
:root .ins-visual .ins-v-question{background:none;border:0;padding:0;font:700 .78rem/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--brand);margin:0 0 1rem}
:root .ins-v-steplist{grid-template-columns:repeat(auto-fit,minmax(9.5rem,1fr));gap:1.6rem 1.4rem;counter-reset:none}
:root .ins-v-steplist li{background:none;border:0;padding:0;position:relative}
:root .ins-v-steplist li::before{display:none}
:root .ins-v-num{display:block;font:900 4.2rem/.85 var(--sans);letter-spacing:-.06em;color:transparent;-webkit-text-stroke:2px var(--brand);margin-bottom:.8rem}
:root .ins-v-steplist li:first-child .ins-v-num{color:var(--brand)}
:root .ins-visual .ins-v-steplist .ins-v-step-title{font:800 1.05rem/1.25 var(--sans);color:var(--valuo-navy);border-top:2px solid var(--valuo-navy);padding-top:.6rem}
:root .ins-visual .ins-v-steplist p{color:var(--muted)}
:root .ins-v-paths{display:grid;grid-template-columns:repeat(auto-fit,minmax(14rem,1fr));gap:1rem;list-style:none;margin:0;padding:0}
:root .ins-v-paths li{background:#f2f6ff;border:0;border-radius:4px;padding:1.2rem;margin:0;position:relative;overflow:hidden}
:root .ins-v-paths .ins-v-idx{position:absolute;right:.6rem;top:.2rem;font:900 3rem/1 var(--sans);color:rgba(1,88,255,.12);letter-spacing:-.05em}
:root .ins-visual .ins-v-if{font:700 .78rem/1.4 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--brand);margin:0 0 .5rem;padding-right:3.8rem}
:root .ins-visual .ins-v-then{font:700 1.08rem/1.3 var(--sans);color:var(--valuo-navy);margin:0}
:root .ins-v-paths .tone-warn{background:#fff3ee}
:root .ins-v-paths .tone-warn .ins-v-if{color:#c2552b}
:root .ins-v-paths .tone-warn .ins-v-idx{color:rgba(194,85,43,.14)}
:root .ins-v-pick{border:2px solid #e3e9f7;border-radius:4px;font-weight:600;color:var(--valuo-navy)}
:root .ins-v-pick .ins-v-idx{font:900 1.3rem/1 var(--sans);color:#c9d7f5;letter-spacing:-.04em}
:root .ins-v-pick:has(input:checked){border-color:var(--brand);background:var(--brand);color:#fff}
:root .ins-v-pick:has(input:checked) .ins-v-idx{color:#fff}
:root .ins-v-answer{background:var(--valuo-navy);color:#fff;border-radius:4px}
:root .ins-v-answer-k{font:700 .74rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--brand-on-dark)}
:root .ins-v-answer strong{font:800 clamp(1.6rem,3vw,2.3rem)/1.05 var(--sans);letter-spacing:-.03em}
:root .ins-v-answer-note{opacity:.8}
:root .ins-v-term{background:#f2f6ff;border-radius:4px}
:root .ins-v-term.is-result{background:var(--brand);color:#fff}
:root .ins-visual .ins-v-term-label{font:800 1.3rem/1.15 var(--sans);letter-spacing:-.02em;color:var(--valuo-navy);margin:0 0 .5rem}
:root .ins-visual .ins-v-term-note{font-size:.86rem;line-height:1.45;color:var(--muted);margin:0}
:root .ins-v-term.is-result .ins-v-term-label,:root .ins-v-term.is-result .ins-v-term-note{color:#fff}
:root .ins-v-op{font:900 3rem/1 var(--sans);color:var(--brand)}
:root .ins-v-card,:root .ins-v-checks>div{border:0;border-radius:4px;background:#f2f6ff;padding:1.1rem 1.2rem}
:root .ins-v-card.is-highlight{background:var(--valuo-navy);color:#fff;box-shadow:none}
:root .ins-v-card.is-highlight .ins-v-card-name,:root .ins-v-card.is-highlight .ins-v-val{color:#fff}
:root .ins-v-card.is-highlight li{border-color:rgba(255,255,255,.15)}
:root .ins-v-card.is-highlight li:has(.is-text)>span:first-child{color:var(--brand-on-dark)}
:root .ins-visual .ins-v-card-name{font:800 1.1rem/1.2 var(--sans);color:var(--valuo-navy)}
:root .ins-v-card li:has(.is-text)>span:first-child{color:var(--brand)}
:root .ins-v-checks li::before{background-color:var(--brand)}
:root .ins-v-bar{border-radius:0}

:root .ins-v-num{font-style:normal}
:root .ins-v-steplist li .ins-v-step-title{margin-bottom:.3rem}
:root .ins-v-card li>span:first-child{color:var(--muted)}
:root .ins-v-card.is-highlight li>span:first-child{color:rgba(255,255,255,.75)}
:root .ins-v-card.is-highlight .ins-v-card-total span{color:rgba(255,255,255,.85)}
:root .ins-v-card.is-highlight .ins-v-card-total strong,:root .ins-v-card.is-highlight .ins-v-card-sub{color:#fff}
:root .ins-v-split .ins-v-legend{margin-top:2rem}
:root .ins-v-mark:nth-of-type(even) span{top:auto;bottom:-1.5rem}
:root .ins-visual .ins-v-card-verdict{border-radius:4px}
@media (max-width:600px){:root .ins-visual{padding:1.2rem 0 .8rem}}
@supports not selector(:has(*)){.ins-v-answer{display:flex;margin-bottom:.6rem;height:auto}}
:root .ins-v-term.is-num .ins-v-term-label{font:900 clamp(2rem,4vw,2.8rem)/1 var(--sans);letter-spacing:-.04em}