/* ============================================================================
   MASTER INSIGHTS DETAIL TEMPLATE — California Modern. Scope: .ia
   Layout: two-column editorial hero (copy left / 3:2 image right) → reading area
   with a slim sticky left rail (Share + On this page) → article → sources → next
   step → related. Global header/nav/footer are the shared site components.
   ============================================================================ */
.ia-wrap{max-width:1320px;margin:0 auto;padding:0 32px}
@media(prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
.ia-grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:0 24px}

/* --- 1 · two-column editorial hero --- */
.ia-hero{padding:60px 0 44px}
.ia-hero__copy{grid-column:1 / span 6;align-self:center}
.ia-hero__fig{grid-column:8 / span 5;align-self:center;margin:0;position:relative;isolation:isolate}
/* Shared interior-hero treatment: one quiet pale-Sky offset panel behind the image, offset
   down-left, sized off the figure so any replacement image inherits it; hidden below 900px. */
.ia-hero__fig::before{content:"";position:absolute;inset:26px 44px -26px -26px;background:rgba(145,195,235,.30);border-radius:6px;z-index:-1}
.ia-hero__fig img{width:100%;height:auto;border-radius:6px;display:block}
.ia-rule{width:48px;height:2px;background:var(--brand-accent);border:0;margin:0 0 16px}
.ia-eyebrow{font-family:var(--font-sans);font-weight:700;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--text-eyebrow);margin:0}
.ia-series{font-family:var(--font-sans);font-weight:600;font-size:13px;letter-spacing:.02em;color:var(--sky-800);margin:10px 0 0}
.ia-h1{font-family:var(--font-display);font-weight:500;font-size:46px;line-height:1.05;letter-spacing:-.022em;color:var(--brand-navy);margin:14px 0 0;text-wrap:balance}
.ia-standfirst{font-family:var(--font-display);font-weight:400;font-size:21px;line-height:1.42;color:var(--text-secondary);margin:20px 0 0;max-width:46ch}
.ia-meta{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center;font-family:var(--font-sans);font-size:13.5px;color:var(--text-muted);margin:24px 0 0;padding-top:18px;border-top:1px solid var(--line)}
.ia-meta b{color:var(--text-primary);font-weight:600}
.ia-meta .dot{width:3px;height:3px;border-radius:50%;background:var(--brand-sky)}

/* --- 2 · reading area: slim rail / body --- */
.ia-read{padding:44px 0 20px}
.ia-rail{grid-column:1 / span 2;align-self:start;position:sticky;top:96px;padding-top:32px}
.ia-body{grid-column:4 / span 7;max-width:740px}
.ia-rail__l{font-family:var(--font-sans);font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-muted);margin:0 0 10px}
.ia-rail__share{display:flex;gap:8px;margin:0 0 28px}
.ia-rail__share a,.ia-rail__share button{width:32px;height:32px;border:1px solid var(--line);border-radius:6px;display:flex;align-items:center;justify-content:center;color:var(--sky-800);text-decoration:none;font-size:13px;font-family:var(--font-sans);font-weight:700}
.ia-rail__share a:hover,.ia-rail__share button:hover{border-color:var(--sky-300);color:var(--sun-700)}.ia-rail__share button{background:transparent;cursor:pointer;font:inherit}.ia-rail__share button.is-copied{border-color:var(--brand-navy);color:var(--brand-navy)}
.ia-rail__nav{border-top:1px solid var(--line);padding-top:16px}
.ia-rail__nav a{display:block;font-family:var(--font-sans);font-size:13px;line-height:1.35;color:var(--text-secondary);text-decoration:none;padding:6px 0 6px 12px;border-left:2px solid var(--line)}
.ia-rail__nav a:hover{color:var(--brand-navy);border-left-color:var(--brand-sky)}
.ia-rail__nav a.is-at{color:var(--brand-navy);font-weight:600;border-left-color:var(--brand-accent)}
/* active section (shared interior scrollspy toggles .is-at via loan-programs.js) */
.ia-rail__nav a.is-at{color:var(--brand-navy);font-weight:600;border-left-color:var(--brand-accent)}

/* --- 3 · article typography + components --- */
.ia-body>*{margin:0}
.ia-body>*+*{margin-top:22px}
.ia-body p{font-family:var(--font-sans);font-size:18.5px;line-height:1.72;color:var(--text-primary);text-wrap:pretty}
.ia-body h2{font-family:var(--font-display);font-weight:500;font-size:31px;line-height:1.14;letter-spacing:-.018em;color:var(--brand-navy);margin-top:46px;scroll-margin-top:116px}
.ia-body h3{font-family:var(--font-display);font-weight:500;font-size:23px;line-height:1.2;color:var(--brand-navy);margin-top:32px}
.ia-body ul,.ia-body ol{font-family:var(--font-sans);font-size:18.5px;line-height:1.62;color:var(--text-primary);padding-left:0;list-style:none;display:grid;gap:12px}
.ia-body ul li{position:relative;padding-left:22px}
.ia-body ul li::before{content:"";position:absolute;left:0;top:12px;width:6px;height:6px;background:var(--brand-sky)}
.ia-body ol{counter-reset:li}
.ia-body ol li{position:relative;padding-left:34px;counter-increment:li}
.ia-body ol li::before{content:counter(li,decimal-leading-zero);position:absolute;left:0;top:1px;font-family:var(--font-display);font-size:15px;color:var(--sun-700)}
.ia-body a{text-decoration:underline;text-underline-offset:3px}
.ia-pq{border:0;margin:40px 0;padding:0 0 0 26px;border-left:3px solid var(--brand-accent)}
.ia-pq p{font-family:var(--font-display);font-weight:500;font-size:27px;line-height:1.3;letter-spacing:-.014em;color:var(--brand-navy)}
.ia-pq cite{display:block;font-family:var(--font-sans);font-style:normal;font-size:13px;color:var(--text-muted);margin-top:12px}
.ia-key{background:var(--brand-fog);border-radius:8px;padding:24px 26px;margin:36px 0}
.ia-key__l{font-family:var(--font-sans);font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--sky-800);margin:0 0 8px}
.ia-key__stat{font-family:var(--font-display);font-weight:500;font-size:40px;line-height:1;color:var(--brand-navy);letter-spacing:-.02em}
.ia-key p{font-family:var(--font-sans);font-size:16.5px;line-height:1.6;color:var(--text-secondary);margin:8px 0 0}
.ia-callout{background:#FFF8F3;border-left:4px solid var(--brand-accent);border-radius:0 8px 8px 0;padding:18px 22px;margin:32px 0}
.ia-callout p{font-family:var(--font-sans);font-size:16px;line-height:1.6;color:var(--text-secondary)}
.ia-fig{margin:36px 0}
.ia-fig--wide{width:min(100%, 1040px);margin-left:calc((740px - min(100vw - 64px, 1040px)) / 2)}
.ia-fig img,.ia-fig .ia-ph{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:6px;display:block;background:repeating-linear-gradient(135deg,#e6edf1 0 14px,#dde6ec 14px 28px)}
.ia-figcap{font-family:var(--font-sans);font-size:12.5px;line-height:1.5;color:var(--text-muted);margin:10px 0 0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.ia-video{margin:36px 0}
.ia-video__frame{position:relative;aspect-ratio:16/9;border-radius:6px;overflow:hidden;background:var(--brand-navy)}
.ia-video__frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* --- 3b · figure modules (Sep 2026 new-articles pass, scope .iaf) --- */
.ia-hero__ph{width:100%;aspect-ratio:3/2;border-radius:6px;background:repeating-linear-gradient(135deg,#e6edf1 0 14px,#dde6ec 14px 28px);position:relative}
.ia-hero__ph span{position:absolute;left:12px;bottom:10px;font-family:var(--font-sans);font-weight:600;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--text-muted)}
.iaf-stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-top:2px solid var(--brand-navy)}
.iaf-stat{background:#fff;padding:18px 18px 16px}
.iaf-stat__v{font-family:var(--font-display);font-weight:500;font-size:33px;line-height:1;letter-spacing:-.02em;color:var(--brand-navy);margin:0;font-variant-numeric:tabular-nums}
.iaf-stat__l{font-family:var(--font-sans);font-weight:700;font-size:10.5px;line-height:1.45;letter-spacing:.1em;text-transform:uppercase;color:var(--sky-800);margin:9px 0 0}
.iaf-stat__s{font-family:var(--font-sans);font-size:13px;line-height:1.5;color:var(--text-muted);margin:6px 0 0}
.iaf-bars{display:grid;gap:12px}
.iaf-bar{display:grid;grid-template-columns:170px minmax(0,1fr) 60px;gap:12px;align-items:center}
.iaf-bar__l{font-family:var(--font-sans);font-weight:600;font-size:13.5px;line-height:1.3;color:var(--text-primary);margin:0}
.iaf-bar__t{height:14px;background:var(--brand-fog);border-radius:2px;overflow:hidden}
.iaf-bar__f{display:block;height:100%;background:var(--brand-navy)}
.iaf-bar__f--sky{background:var(--brand-sky)}
.iaf-bar__f--accent{background:var(--brand-accent)}
.iaf-bar__v{font-family:var(--font-sans);font-weight:600;font-size:13.5px;color:var(--brand-navy);margin:0;text-align:right;font-variant-numeric:tabular-nums}
.iaf-stack__col{display:flex;flex-direction:column;width:100%;max-width:440px;height:320px;border:1px solid var(--line)}
.iaf-stack__seg{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:10px 16px;min-height:44px;flex-basis:0}
.iaf--navy{background:var(--brand-navy);color:#fff}
.iaf--sky{background:var(--brand-sky);color:var(--brand-navy)}
.iaf--fog{background:var(--brand-fog);color:var(--text-primary)}
.iaf-stack__sl{font-family:var(--font-sans);font-weight:600;font-size:13px}
.iaf-stack__sv{font-family:var(--font-display);font-weight:500;font-size:16.5px;font-variant-numeric:tabular-nums}
.iaf-steps{list-style:none;margin:0;padding:0;border-top:2px solid var(--brand-navy)}
.iaf-steps li{position:relative;padding:15px 0 15px 54px;border-bottom:1px solid var(--line)}
.iaf-steps__n{position:absolute;left:0;top:15px;font-family:var(--font-display);font-size:16px;color:var(--sun-700)}
.iaf-steps__t{font-family:var(--font-sans);font-weight:600;font-size:16px;line-height:1.35;color:var(--brand-navy);margin:0}
.iaf-steps__d{font-family:var(--font-sans);font-size:14.5px;line-height:1.55;color:var(--text-secondary);margin:4px 0 0}
.iaf-two{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.iaf-two--mid{grid-template-columns:1fr auto 1fr;align-items:stretch}
.iaf-two__c{border:1px solid var(--line);border-top:2px solid var(--brand-navy);padding:18px 20px 20px;background:#fff}
.iaf-two__c--sky{border-top-color:var(--brand-sky)}
.iaf-two__h{font-family:var(--font-display);font-weight:500;font-size:19px;line-height:1.2;color:var(--brand-navy);margin:0}
.iaf-two__s{font-family:var(--font-sans);font-weight:700;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--sky-800);margin:7px 0 0}
.iaf-two__c ul{list-style:none;margin:14px 0 0;padding:0;display:grid;gap:9px}
.iaf-two__c li{position:relative;padding-left:18px;font-family:var(--font-sans);font-size:14.5px;line-height:1.5;color:var(--text-secondary)}
.iaf-two__c li::before{content:"";position:absolute;left:0;top:8px;width:6px;height:6px;background:var(--brand-sky)}
.iaf-two__mid{display:flex;align-items:center;font-family:var(--font-sans);font-weight:600;font-size:13px;line-height:1.4;color:var(--text-muted);text-align:center;max-width:130px}
.iaf-flow__n{border:1px solid var(--line);padding:16px 20px;background:#fff}
.iaf-flow__n.iaf--navy{border-color:var(--brand-navy)}
.iaf-flow__v{font-family:var(--font-display);font-weight:500;font-size:31px;line-height:1;letter-spacing:-.02em;margin:0;font-variant-numeric:tabular-nums}
.iaf-flow__t{font-family:var(--font-sans);font-weight:600;font-size:13.5px;line-height:1.45;margin:4px 0 0}
.iaf-flow__n:first-child .iaf-flow__t{margin-top:6px}
.iaf--navy .iaf-flow__t{color:#fff}
.iaf-flow__n ul{list-style:none;margin:10px 0 0;padding:0;display:grid;gap:6px}
.iaf-flow__n li{font-family:var(--font-sans);font-size:14px;line-height:1.45;color:var(--text-secondary);position:relative;padding-left:16px}
.iaf--navy li{color:rgba(255,255,255,.85)}
.iaf-flow__n li::before{content:"";position:absolute;left:0;top:7px;width:5px;height:5px;background:var(--brand-sky)}
.iaf-flow__a{font-family:var(--font-sans);font-size:17px;color:var(--sun-700);padding:5px 0 5px 22px}
@media(max-width:700px){
  .iaf-two,.iaf-two--mid{grid-template-columns:1fr}
  .iaf-two__mid{max-width:none;padding:2px 0;justify-content:flex-start;text-align:left}
  .iaf-bar{grid-template-columns:110px minmax(0,1fr) 52px}
  .iaf-stat__v{font-size:28px}
}

/* --- 3c · the short version + closing summary (Sep 2026 interior pass) --- */
.ia-short{background:var(--brand-fog);border-radius:8px;padding:22px 26px 24px;margin-bottom:34px}
.ia-short__l{font-family:var(--font-sans);font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--sky-800);margin:0 0 12px}
.ia-short ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.ia-short li{position:relative;padding-left:20px;font-family:var(--font-sans);font-size:16px;line-height:1.55;color:var(--text-primary)}
.ia-short li::before{content:"";position:absolute;left:0;top:10px;width:6px;height:6px;background:var(--brand-sky)}
.ia-mean{background:var(--brand-paper);border-top:2px solid var(--brand-navy);border-radius:0 0 8px 8px;padding:26px 28px 28px;margin-top:48px}
.ia-mean h2{margin:0 !important;font-size:24px !important;scroll-margin-top:116px}
.ia-mean ul{margin-top:16px !important}
.ia-mean li{font-size:16.5px}

/* --- 4 · sources & notes --- */
.ia-sources{grid-column:4 / span 7;max-width:740px;margin-top:56px;padding-top:24px;border-top:2px solid var(--brand-navy)}
.ia-sources h2{font-family:var(--font-sans);font-weight:700;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--text-primary);margin:0 0 14px}
.ia-sources ol{font-family:var(--font-sans);font-size:13.5px;line-height:1.55;color:var(--text-muted);padding-left:18px;margin:0;display:grid;gap:8px}
.ia-sources .note{font-family:var(--font-sans);font-size:12.5px;line-height:1.55;color:var(--text-muted);margin:14px 0 0;padding:12px 14px;background:#F3F5F6;border-left:3px solid var(--brand-navy);border-radius:0 4px 4px 0}

/* --- 5 · contextual next step --- */
.ia-next{background:var(--brand-navy);color:#fff;margin-top:64px}
.ia-next__g{padding:56px 0}
.ia-next__c{grid-column:2 / span 8}
.ia-next__l{font-family:var(--font-sans);font-weight:700;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--sky-300);margin:0}
.ia-next__h{font-family:var(--font-display);font-weight:500;font-size:34px;line-height:1.1;letter-spacing:-.018em;margin:16px 0 0;max-width:20ch}
.ia-next__p{font-family:var(--font-sans);font-size:17px;line-height:1.6;color:rgba(255,255,255,.82);margin:14px 0 0;max-width:52ch}
.ia-next__row{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.ia-next__cta{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--brand-navy);font-family:var(--font-sans);font-weight:700;font-size:12px;letter-spacing:.08em;text-transform:uppercase;padding:14px 22px;border-radius:4px;text-decoration:none}
.ia-next__cta:hover{color:var(--sun-700)}
.ia-next__cta--ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.55)}
.ia-next__cta--ghost:hover{color:var(--brand-sky);border-color:var(--brand-sky)}
.ia-next__alt{display:block;margin-top:16px;font-family:var(--font-sans);font-size:14px;color:var(--sky-300);text-decoration:none}

/* --- 6 · related insights --- */
.ia-rel{padding:64px 0 88px}
.ia-rel__head{grid-column:1 / -1;display:flex;justify-content:space-between;align-items:baseline;margin-bottom:24px}
.ia-rel__head h2{font-family:var(--font-display);font-weight:500;font-size:26px;color:var(--brand-navy);margin:0}
.ia-rel__head a{font-family:var(--font-sans);font-size:13px;font-weight:600;color:var(--sky-800);text-decoration:none}
.ia-rel__cards{grid-column:1 / -1;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.ia-rc{text-decoration:none;display:block}
.ia-rc__ph{width:100%;aspect-ratio:3/2;border-radius:6px;overflow:hidden;background:repeating-linear-gradient(135deg,#e6edf1 0 14px,#dde6ec 14px 28px)}
.ia-rc__ph img{width:100%;height:100%;object-fit:cover;display:block}
.ia-rc__t{font-family:var(--font-sans);font-weight:700;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--sky-800);margin:14px 0 0}
.ia-rc__h{font-family:var(--font-display);font-weight:500;font-size:20px;line-height:1.2;color:var(--brand-navy);margin:8px 0 0}
.ia-rc__d{font-family:var(--font-sans);font-size:14px;line-height:1.55;color:var(--text-secondary);margin:8px 0 0}
.ia-rc:hover .ia-rc__h{color:var(--sun-700)}
.ia-railtoggle{display:none}

/* --- mobile --- */
@media(max-width:900px){
  .ia-wrap{padding:0 20px}
  .ia-hero{padding:36px 0 28px}
  .ia-hero__copy{grid-column:1 / -1}
  .ia-hero__fig{grid-column:1 / -1;margin-top:26px}
  .ia-hero__fig::before{display:none}
  .ia-h1{font-size:34px}
  .ia-rail{display:none}
  .ia-body,.ia-sources{grid-column:1 / -1;max-width:none}
  .ia-fig--wide{width:100%;margin-left:0}
  .ia-next__c{grid-column:1 / -1}
  .ia-rel__cards{grid-template-columns:1fr;gap:28px}
  .ia-body p,.ia-body ul,.ia-body ol{font-size:18px}
  .ia-railtoggle{display:block;margin:0 0 26px;border:1px solid var(--line);border-radius:8px;background:#fff}
  .ia-railtoggle summary{font-family:var(--font-sans);font-size:13px;font-weight:600;color:var(--brand-navy);padding:13px 16px;cursor:pointer;list-style:none}
  .ia-railtoggle summary::-webkit-details-marker{display:none}
  .ia-railtoggle summary::after{content:"›";float:right;transform:rotate(90deg);color:var(--sky-800)}
  .ia-railtoggle a{display:block;font-family:var(--font-sans);font-size:14px;color:var(--text-secondary);text-decoration:none;padding:9px 16px;border-top:1px solid var(--line)}
}
@media(max-width:560px){.ia-h1{font-size:29px}.ia-next__h{font-size:27px}}