/* ── Policy Types Guide v1 ───────────────────────────────────────────── */
.npt-wrap *,.npt-wrap *::before,.npt-wrap *::after{box-sizing:border-box}

/* Layout */
.npt-wrap{padding-bottom:80px}
.npt-inner{max-width:900px;margin:0 auto;padding:0 20px}
.npt-section{padding:52px 0}
.npt-section+.npt-section{border-top:1px solid var(--border)}
.npt-section-title{font-family:var(--font-head);font-size:clamp(20px,4vw,26px);font-weight:700;color:var(--ink);margin:0 0 10px}
.npt-section-sub{font-size:15px;color:var(--ink-s);margin:0 0 32px;line-height:1.6}

/* Hero */
.npt-hero{background:var(--nli-hero);padding:56px 24px 44px;text-align:center}
.npt-hero-inner{max-width:720px;margin:0 auto}
.npt-hero-eyebrow{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:20px;padding:4px 14px;font-size:12px;color:rgba(255,255,255,.8);margin-bottom:18px;letter-spacing:.04em;text-transform:uppercase}
.npt-hero-h1{font-family:var(--font-head);font-size:clamp(22px,5vw,38px);font-weight:700;color:#fff;line-height:1.2;margin:0 0 14px;letter-spacing:-.02em}
.npt-hero-sub{font-size:16px;color:rgba(255,255,255,.75);margin:0 0 28px;line-height:1.6;max-width:580px;margin-left:auto;margin-right:auto}
.npt-hero-nav{display:flex;flex-wrap:wrap;justify-content:center;gap:8px}
.npt-pill{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:20px;padding:6px 16px;font-size:13px;font-weight:600;color:#fff;text-decoration:none;transition:background .15s}
.npt-pill:hover{background:rgba(255,255,255,.22)}

/* Plan type sections */
.npt-type-alt{background:#FAFBFC}
.npt-type-hd{margin-bottom:16px}
.npt-type-badge{display:inline-block;border-radius:4px;padding:3px 10px;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px}
.npt-type-badge--green{background:var(--green-bg);color:var(--green)}
.npt-type-badge--amber{background:var(--gold-bg);color:var(--gold)}
.npt-type-badge--red{background:var(--red-bg);color:var(--red-d)}
.npt-type-badge--navy{background:var(--navy-bg);color:var(--navy)}
.npt-type-title{font-family:var(--font-head);font-size:clamp(20px,4vw,28px);font-weight:700;color:var(--ink);margin:0;line-height:1.2}
.npt-type-grid{display:grid;grid-template-columns:1fr 240px;gap:40px;align-items:start;margin-top:20px}
.npt-type-intro{font-size:16px;line-height:1.7;color:var(--ink-m);margin:0 0 20px;font-weight:500}
.npt-type-main h3{font-family:var(--font-head);font-size:16px;font-weight:700;color:var(--ink);margin:24px 0 8px}
.npt-type-main h3:first-of-type{margin-top:0}
.npt-type-main p{font-size:15px;line-height:1.7;color:var(--ink-m);margin:0 0 14px}
.npt-type-main p:last-child{margin:0}
@media(max-width:660px){.npt-type-grid{grid-template-columns:1fr}.npt-type-aside{order:-1}}

/* Fact strip */
.npt-fact-strip{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;margin-bottom:16px}
.npt-type-alt .npt-fact-strip{background:var(--white)}
.npt-fact{display:flex;flex-direction:column;padding:14px 16px;border-bottom:1px solid var(--border)}
.npt-fact:last-child{border-bottom:none}
.npt-fact-num{font-family:var(--font-head);font-size:20px;font-weight:700;color:var(--ink);line-height:1}
.npt-fact-num--warn{color:var(--red)}
.npt-fact-lbl{font-size:11px;color:var(--ink-s);margin-top:3px;line-height:1.3}
.npt-cta-link{display:block;background:var(--red-bg);color:var(--red);border:1px solid rgba(192,57,43,.2);border-radius:var(--radius-sm);padding:12px 16px;font-size:13px;font-weight:600;text-decoration:none;text-align:center;transition:background .15s}
.npt-cta-link:hover{background:rgba(192,57,43,.12)}

/* Surrender timeline block */
.npt-surrender-block{margin-top:36px;padding-top:36px;border-top:1px solid var(--border)}
.npt-surrender-block h3{font-family:var(--font-head);font-size:18px;font-weight:700;color:var(--ink);margin:0 0 6px}
.npt-surrender-sub{font-size:14px;color:var(--ink-s);margin:0 0 20px;line-height:1.5}
.nli-bt-surrender-timeline{overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;margin-bottom:16px}
.nli-bt-surrender-timeline::-webkit-scrollbar{display:none}
.nli-bt-surrender-timeline__track{display:flex;align-items:flex-start;gap:0;min-width:400px;position:relative;padding:36px 0 8px}
.nli-bt-surrender-timeline__track::before{content:'';position:absolute;top:20px;left:8%;right:8%;height:2px;background:var(--border)}
.nli-bt-surrender-timeline__node{flex:1;display:flex;flex-direction:column;align-items:center;gap:5px;position:relative}
.nli-bt-surrender-timeline__dot{width:16px;height:16px;border-radius:50%;border:2px solid var(--border);background:#fff;position:relative;z-index:1}
.nli-bt-surrender-timeline__dot--zero{border-color:var(--red,#C0392B);background:var(--red,#C0392B)}
.nli-bt-surrender-timeline__dot--warn{border-color:#F59E0B;background:var(--gold-bg)}
.nli-bt-surrender-timeline__dot--ok{border-color:var(--green,#065F46);background:var(--green-bg)}
.nli-bt-surrender-timeline__year{font-size:11px;font-weight:600;color:var(--ink-s);white-space:nowrap}
.nli-bt-surrender-timeline__val{font-size:13px;font-weight:700;color:var(--ink)}
.nli-bt-surrender-timeline__footnote{font-size:12px;color:var(--ink-xs,#6B7280);margin:4px 0 0;font-style:italic;line-height:1.5}

/* IRR table section */
.npt-irr{background:#FAFBFC}
.npt-td-num{text-align:right;font-family:var(--font-mono,monospace);font-size:13px;white-space:nowrap}
.npt-td-neg{color:var(--red);font-weight:600}

/* Stay / Surrender grid */
.npt-stay-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:32px}
.npt-stay-card{border-radius:var(--radius);padding:24px;border:1px solid var(--border)}
.npt-stay-card--stay{background:var(--green-bg);border-color:rgba(22,163,74,.2)}
.npt-stay-card--consider{background:var(--gold-bg);border-color:rgba(202,138,4,.2)}
.npt-stay-card-hd{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.07em;margin-bottom:14px;color:var(--ink)}
.npt-stay-list{margin:0;padding-left:18px;font-size:14px;line-height:1.8;color:var(--ink-m)}
.npt-stay-list li{margin-bottom:4px}
@media(max-width:580px){.npt-stay-grid{grid-template-columns:1fr}}

/* Surrender CTA */
.npt-surrender-cta{background:var(--ink);border-radius:var(--radius);padding:28px 32px;text-align:center}
.npt-surrender-cta p{font-size:15px;color:rgba(255,255,255,.8);margin:0 0 18px;line-height:1.6}

@media(max-width:600px){.npt-section{padding:32px 0}.npt-hero{padding:36px 20px 28px}}

/* Buttons */
.npt-btn-primary{display:inline-block;background:var(--red);color:#fff;border-radius:9px;padding:14px 28px;font-weight:600;font-size:15px;text-decoration:none;transition:background .15s}
.npt-btn-primary:hover{background:var(--red-d)}
.npt-btn-secondary{display:inline-block;background:var(--white);color:var(--ink);border:1.5px solid var(--border);border-radius:9px;padding:13px 28px;font-weight:600;font-size:15px;text-decoration:none;transition:border-color .15s}
.npt-btn-secondary:hover{border-color:var(--ink-s)}

/* Bottom CTA */
.npt-bottom-cta{background:#FAFBFC}
.npt-cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}