.learning-basics { background: #fff; }
.learning-basics-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 16px; margin-top: 28px; }
.learning-basics-grid article { min-width: 0; padding: 24px; border: 1px solid #d7dfd5; border-radius: 16px; background: #f8f8f3; }
.learning-basics-number { display: grid; width: 40px; height: 40px; place-items: center; border-radius: 50%; color: #fff; background: #173e20; font-size: 0.875rem; }
.learning-basics-visual { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 88px; color: #24512d; border-bottom: 1px solid #d7dfd5; padding-bottom: 16px; }
.learning-basics-label { font-size: 0.875rem; font-weight: 650; letter-spacing: .04em; }
.learning-basics-visual svg { width: 96px; height: 80px; flex: 0 0 96px; }
.learning-basics-grid h3 { margin: 22px 0 10px; color: #1f2937; font: 500 1.45rem/1.25 Georgia,serif; }
.learning-basics-grid p { color: #344238; font-size: 0.96rem; }
.learning-basics-grid a { display: inline-flex; align-items: center; min-height: 44px; color: #184d23; text-underline-offset: 4px; }
.learning-basics-note { margin: 20px 0 0; color: #344238; }
.learning-terms { background: #f1f4ed; }
.learning-term-finder { max-width: 780px; margin: 28px 0 22px; }
.learning-term-finder label { display: block; margin-bottom: 10px; color: #1f2937; font-weight: 650; }
.learning-term-finder [role="status"] { margin: 12px 0 0; color: #344238; font-size: 0.9rem; }
.learning-term-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 12px; }
.learning-term { min-width: 0; align-self: start; border: 1px solid #b8c6b7; border-radius: 12px; background: #fff; overflow-wrap: anywhere; scroll-margin-top: 24px; }
.learning-term summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; padding: 16px 20px; color: #1f2937; cursor: pointer; font-size: 1.0rem; font-weight: 650; list-style: none; }
.learning-term summary::-webkit-details-marker { display: none; }
.learning-term summary::after { content: ""; flex: 0 0 auto; width: 10px; height: 10px; margin: -5px 3px 0 0; border-right: 2px solid #173e20; border-bottom: 2px solid #173e20; transform: rotate(45deg); }
.learning-term[open] summary::after { margin-top: 5px; transform: rotate(225deg); }
.learning-term[open] summary { border-bottom: 1px solid #e0e6de; }
.learning-term-body { padding: 0 20px 18px; color: #344238; font-size: 0.96rem; line-height: 1.6; }
.learning-term-action { padding: 14px 16px; border-left: 3px solid #173e20; border-radius: 0 8px 8px 0; background: #f1f4ed; }
.learning-term-action strong { display: block; margin-bottom: 5px; color: #173e20; font-size: 0.875rem; }
.learning-reference { display: inline-flex; align-items: center; min-height: 44px; color: #184d23; font-size: 0.875rem; text-underline-offset: 4px; }
.learning-source-note { max-width: 900px; margin: 25px 0 0; color: #344238; font-size: 0.9rem; }
.learning-location { background: #fff; }
.learning-location-options { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.learning-location-options button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 12px 18px; border: 1px solid #91a38e; border-radius: 10px; color: #243c2a; background: #fff; font: inherit; font-size: 0.95rem; cursor: pointer; }
.learning-location-options button[aria-pressed="true"] { border-color: #173e20; color: #fff; background: linear-gradient(145deg,#102917 0%,#173e20 58%,#0d2014 100%); }
.learning-location-panels { margin-top: 18px; }
.learning-location-panels article { padding: 26px; border: 1px solid #c9d4c4; border-radius: 16px; background: #f8f8f3; }
.learning-location-panels h3 { margin: 0 0 12px; color: #1f2937; font: 500 1.5rem/1.3 Georgia,serif; }
.learning-location-panels p { max-width: 850px; color: #344238; }
.learning-location-next { margin-bottom: 0; padding-top: 15px; border-top: 1px solid #d7dfd5; }
.learning-location-next strong { display: block; margin-bottom: 6px; color: #173e20; }
.learning-location-source { font-size: 0.9rem; }
.learning-location-source a { color: #184d23; text-underline-offset: 4px; }
.learning-term[hidden], .learning-term-finder[hidden], .learning-location-options[hidden], [data-location-panel][hidden], #insurance-term-empty[hidden] { display: none; }
.learning-term summary:focus-visible, .learning-term-finder button:focus-visible, .learning-location-options button:focus-visible, .learning-reference:focus-visible, .learning-basics-grid a:focus-visible { outline: 3px solid #173e20; outline-offset: 4px; }
.learning-term:target { box-shadow: 0 0 0 3px #add2ae; }
@media (max-width: 780px) {
  .learning-basics-grid, .learning-term-grid { grid-template-columns: minmax(0,1fr); }
  .learning-location-options { flex-direction: column; }
  .learning-location-options button { width: 100%; }
  .learning-location-panels article { padding: 20px; }
}
@media (max-width: 520px) {
  .learning-basics .site-wrap, .learning-terms .site-wrap, .learning-location .site-wrap { width: min(100% - 32px,1280px); }
  .learning-basics-grid article { padding: 20px; }
}