/* Insurance Hub (Claude · 2026-10-27) — extends /tools-shared/tools.css. Built to Muse UI-DESIGN.md:
   inputs ≥16px (no iOS zoom), tap targets ≥44px, no sticky bars, breakpoints 860/560, no horizontal scroll. */
.tool-name{text-decoration:none}
.site-head .ins-nav{display:flex;justify-content:flex-start;min-height:0;gap:8px;overflow-x:auto;padding-bottom:10px;-webkit-overflow-scrolling:touch;scrollbar-width:thin}
.ins-chip{flex:0 0 auto;display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border:1px solid var(--line2);border-radius:999px;color:var(--silver);text-decoration:none;font-weight:600;font-size:.92rem}
.ins-chip:hover{border-color:var(--accent)}
.ins-chip[aria-current=page]{background:var(--gold);border-color:var(--gold);color:#1a1405}
.ins-d1{margin:0;background:rgba(236,206,127,.10);border-bottom:1px solid rgba(236,206,127,.35);color:var(--ink);font-size:.9rem;padding:9px 0}
.ins-d1 .wrap{display:block}
.ins-d2{border-left:3px solid var(--gold);background:rgba(236,206,127,.07);padding:8px 12px;border-radius:0 10px 10px 0;font-size:.92rem;color:var(--silver)}
.ins-d4{font-size:.92rem;color:var(--ink)}
.ins-d5{color:var(--silver);font-size:.86rem;max-width:60rem}
.ins-p1{color:var(--muted);font-size:.86rem;margin:6px 0 10px}
.ins-presets{margin:8px 0 6px}
.ins-presets .btn{min-height:44px}
.ins-preset-note .hint{display:inline}
.ins-form{display:grid;gap:4px;max-width:560px;margin-top:10px}
.ins-form input[type=text]{font-size:16px}
.ins-money,.ins-share{display:flex;align-items:center;gap:8px;margin-top:4px}
.ins-money>span,.ins-share>span{color:var(--muted);font-weight:700}
.ins-money input,.ins-share input[type=text]{margin-top:0}
.ins-share input[type=range]{flex:1 1 auto;min-width:0;height:44px;accent-color:var(--accent)}
.ins-share input[type=text]{flex:0 0 6.5em;width:6.5em}
.ins-err{margin:2px 0 6px;min-height:1.1em;color:var(--danger);font-size:.86rem}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--danger)!important}
.ins-errsum{border:1px solid var(--danger);background:rgba(255,122,122,.08);border-radius:10px;padding:8px 12px;margin:10px 0}
.ins-errsum p{margin:0 0 4px;color:var(--ink);font-weight:700}
.ins-errsum a{color:var(--danger)}
.ins-result{margin-top:14px;border-top:1px solid var(--line);padding-top:12px}
.ins-empty{color:var(--muted)}
.ins-amounts{margin:0;display:grid;gap:12px}
.ins-amounts>div{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:baseline;column-gap:12px}
.ins-amounts dt{color:var(--silver)}
.ins-amounts dd{margin:0;color:var(--ink);font-weight:800;font-size:1.35rem;font-variant-numeric:tabular-nums}
.ins-bar{grid-column:1/-1;display:block;height:10px;background:var(--card2);border-radius:999px;overflow:hidden;margin-top:4px}
.ins-bar i{display:block;height:100%;width:0;background:var(--accent);transition:width .25s ease}
.ins-amounts>div:nth-child(2) .ins-bar i{background:var(--gold)}
.ins-breakdown dd{font-size:.92rem!important;font-weight:500!important;color:var(--silver)!important;grid-column:1/-1}
.ins-assume-h{font-size:.95rem;margin-top:14px}
.ins-assume{margin:0;padding-left:20px;font-size:.88rem;color:var(--silver)}
.ins-actions{margin-top:12px}
.ins-terms{margin:0;display:grid;gap:12px}
.ins-term dt{color:var(--ink);font-weight:700}
.ins-term dd{margin:2px 0 0}
.ins-src{display:block;color:var(--muted);font-size:.8rem;margin-top:3px}
.ins-src a{color:var(--muted)}
.ins-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:12px;margin:10px 0}
.ins-col{display:grid;gap:2px;min-width:0}
.ins-field label{margin-top:6px}
.ins-field input,.ins-field select{font-size:16px}
.ins-srcin{font-size:16px!important;opacity:.85}
.ins-faq details{border-top:1px solid var(--line);padding:10px 0}
.ins-faq details:first-of-type{border-top:0}
.ins-faq summary{min-height:44px;display:flex;align-items:center}
.ins-sources{font-size:.86rem}
.ins-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,280px),1fr));gap:14px;margin:18px 0}
.ins-cat{display:block;text-decoration:none;color:var(--silver);margin:0}
.ins-cat:hover{border-color:var(--accent)}
.ins-cat h2{margin:.3em 0 .2em}
.ins-emoji{font-size:1.6rem}
.ins-p2{border-color:rgba(236,206,127,.45);background:rgba(236,206,127,.08)}
.ins-p2 span{color:var(--ink)}
.ins-try:focus{outline:none}
@media (max-width:860px){.ins-nav{flex-wrap:nowrap}}
@media (max-width:560px){.ins-amounts dd{font-size:1.2rem}.ins-share input[type=text]{flex-basis:5.5em;width:5.5em}}
@media (prefers-reduced-motion:reduce){.ins-bar i{transition:none}}
@media print{
  .ins-nav,.ins-presets,.ins-preset-note,.ins-form .btn,.ins-actions,.ins-srcin,.skip,noscript{display:none!important}
  .ins-d1,.ins-d2,.ins-d4,.ins-d5,.ins-assume,.ins-amounts dt,.ins-amounts dd,.ins-term dd,.ins-src{color:#000!important;background:#fff!important;border-color:#999!important}
  .site-foot{display:block!important;border:0}
  .site-foot p:last-child{display:none}
  .ins-src a::after,.ins-sources a::after{content:" (" attr(href) ")";font-size:.75em}
  input,select{border:1px solid #999!important;background:#fff!important;color:#000!important}
}

/* Codex · 2026-10-27 · Long-form education on narrow screens. */
.ins-editorial { max-width: 880px; }
.ins-editorial p, .ins-editorial li, .ins-editorial a { overflow-wrap: anywhere; }
.ins-editorial li { margin-block: .8rem; }
.ins-editorial h2 { margin-top: 2rem; }

/* All worksheet controls meet the promised 44px target. */
[data-category] .btn.small { min-height: 44px; }