/* Brand design system — shared across all pages */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700&family=Inter:wght@400;500;600&display=swap');

:root {
  --navy: #123B6D;
  --midnight: #0B2747;
  --gold: #C9A227;
  --gold-dark: #A8841F;
  --white: #FFFFFF;
  --warm-white: #FAFAF8;
  --soft-gray: #F2F5F8;
  --charcoal: #1F2937;
  --slate: #4B5563;

  --font-heading: "Playfair Display", Georgia, serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --nav-height: 72px;
  --radius-btn: 8px;
  --max-width: 1200px;
  --border-subtle: rgba(107, 114, 128, 0.15);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-weight: 400;
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.6;
}

h1, h2, h3 {
  font-family: var(--font-heading);
  color: var(--navy);
  margin-top: 0;
  line-height: 1.25;
}

h1 {
  font-weight: 700;
}

h2, h3 {
  font-weight: 600;
}

p {
  color: var(--charcoal);
}

a {
  color: var(--navy);
}

/* Header / Navigation */
.site-header {
  background: var(--white);
  height: var(--nav-height);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

.site-header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  height: 100%;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  position: relative;
}

.site-title {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  text-decoration: none;
}

.site-title img {
  display: block;
  height: 52px;
  width: auto;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  padding: 0.5rem;
  cursor: pointer;
}

.nav-toggle-bar {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
}

nav {
  margin-left: auto;
}

nav ul {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 1.75rem;
  margin: 0;
  padding: 0;
  flex-wrap: nowrap;
}

nav ul li {
  flex-shrink: 0;
}

nav a {
  color: var(--navy);
  text-decoration: none;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.95rem;
  white-space: nowrap;
  padding-bottom: 4px;
  border-bottom: 2px solid transparent;
}

nav a:hover {
  color: var(--gold);
}

nav a[aria-current="page"] {
  color: var(--navy);
  border-bottom: 2px solid var(--gold);
}

nav a.nav-cta,
nav a.nav-cta:hover,
nav a.nav-cta[aria-current="page"] {
  background: var(--gold);
  color: var(--white);
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius-btn);
  font-weight: 600;
}

nav a.nav-cta:hover {
  opacity: 0.9;
}

/* Mobile navigation */
@media (max-width: 860px) {
  .nav-toggle {
    display: flex;
  }

  nav {
    position: absolute;
    top: var(--nav-height);
    left: 0;
    right: 0;
    margin-left: 0;
    background: var(--navy);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
  }

  nav.is-open {
    max-height: 600px;
  }

  nav ul {
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    padding: 0.5rem 1.5rem 1.5rem;
  }

  nav ul li {
    width: 100%;
  }

  nav a {
    display: block;
    padding: 0.75rem 0;
    color: var(--white);
  }

  nav a[aria-current="page"] {
    color: var(--white);
  }

  nav a.nav-cta {
    display: inline-block;
    margin-top: 0.5rem;
  }
}

/* Layout */
main {
  min-height: 60vh;
}

.section {
  padding: 3rem 1.5rem;
}

.section-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.narrow-cta {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}

.section-subheadline {
  font-size: 1.125rem;
  color: var(--slate);
  margin: 1rem 0 1.5rem;
}

.reason-list {
  list-style: none;
  margin: 2.5rem 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.reason-list li {
  position: relative;
  padding-left: 1.75rem;
}

.reason-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.4em;
  width: 0.85rem;
  height: 0.85rem;
  border-radius: 50%;
  background: var(--gold);
}

.reason-list h3 {
  font-size: 1.15rem;
  margin-bottom: 0.4rem;
}

.reason-list p {
  margin: 0;
  font-weight: 400;
}

.strip-list {
  margin: 2.5rem -1.5rem 0;
}

.strip {
  background: var(--soft-gray);
  padding: 2rem 1.5rem;
}

.strip-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  text-align: left;
}

.strip h3 {
  margin-bottom: 0.75rem;
}

.strip p {
  margin: 0;
}

.section-statement {
  max-width: 40rem;
  margin: 2.5rem auto 0;
  text-align: center;
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--navy);
}

.section-statement-line2 {
  display: block;
  text-align: center;
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--navy);
  margin-top: 1rem;
}

.section-image {
  margin-top: 2.5rem;
}

.section-image img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: var(--radius-btn);
}

.section-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 3rem;
}

.section-split-media img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: var(--radius-btn);
}

.image-caption {
  margin-top: 0.5rem;
  text-align: center;
  font-size: 0.85rem;
  color: var(--slate);
}

.chart-image {
  max-width: 480px;
  width: 100%;
  height: auto;
  margin: 0 auto;
}

.trust-indicators {
  list-style: none;
  margin: 2rem 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  text-align: left;
}

.trust-indicators li {
  position: relative;
  padding-left: 1.75rem;
  font-weight: 600;
  color: var(--navy);
}

.trust-indicators li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.4em;
  width: 0.85rem;
  height: 0.85rem;
  border-radius: 50%;
  background: var(--gold);
}

.badge-list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
}

.badge {
  display: inline-block;
  padding: 0.5rem 1rem;
  background: var(--white);
  border: 1px solid var(--border-subtle);
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
}

.vertical-steps {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  margin-top: 2.5rem;
}

.vertical-step {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
}

.vertical-step-number {
  flex-shrink: 0;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 2.5rem;
  line-height: 1;
  color: var(--gold);
}

.vertical-step-content h3 {
  margin-bottom: 0.5rem;
}

.vertical-step-content p {
  margin: 0;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
  margin-top: 2rem;
}

.faq-item h3 {
  margin-bottom: 0.5rem;
}

.faq-item p {
  margin: 0;
}

.last-updated {
  font-size: 0.85rem;
  color: var(--slate);
  margin: 0 0 1.5rem;
}

.trust-line {
  text-align: center;
  font-weight: 600;
  color: var(--white);
}

.trust-indicators--center {
  display: inline-flex;
  margin: 2rem auto 0;
}

.section--navy .trust-indicators li {
  color: var(--white);
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
}

.step-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}

.step-card {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-btn);
  padding: 2rem;
}

.step-number {
  display: block;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 3rem;
  line-height: 1;
  color: var(--gold);
  margin-bottom: 1rem;
}

.step-icon {
  position: absolute;
  top: 2rem;
  right: 2rem;
  width: 60px;
  height: 60px;
  object-fit: contain;
}

.step-icon--large {
  width: 80px;
  height: 80px;
}

.step-card h3 {
  margin-bottom: 0.75rem;
}

.step-card p {
  margin: 0;
}

.section-cta {
  margin-top: 2.5rem;
  text-align: center;
}

.cta-secondary-link {
  margin-top: 1rem;
}

/* Article body (long-form content pages, e.g. social-security-estimate.html) */
.article-body {
  max-width: 760px;
  margin: 0 auto;
  padding: 3rem 1.5rem;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.8;
  color: var(--charcoal);
}

.article-body h2,
.article-body h3 {
  margin: 2.5rem 0 1rem;
}

.article-body p {
  margin: 0 0 1.5rem;
}

.article-body a[href^="http"],
.article-body a[target="_blank"] {
  color: var(--gold);
  text-decoration: underline;
}

.article-footnote {
  font-size: 0.8rem;
  color: var(--slate);
  margin-top: -1rem;
}

.gold-link {
  color: var(--gold);
}

.article-lead-in {
  font-family: var(--font-heading);
  color: var(--navy);
  font-size: 18px;
}

/* Booking calendar tabs (schedule.html) */
.tab-list {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
}

.tab-button {
  flex: 1;
  background: var(--white);
  border: 2px solid var(--navy);
  border-radius: var(--radius-btn);
  padding: 0.75rem 1rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  cursor: pointer;
  text-align: center;
}

.tab-button.active {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--white);
}

.tab-panel {
  display: none;
}

@media (max-width: 640px) {
  .tab-list {
    flex-direction: column;
  }
}

.cta-support {
  margin: 0.75rem 0 0;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--slate);
}

.cta-disclosure {
  max-width: 40rem;
  margin: 1rem auto 0;
  font-size: 0.78rem;
  color: var(--slate);
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}

.stat-card {
  text-align: center;
}

.stat-number {
  display: block;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 2.25rem;
  color: var(--gold);
  margin-bottom: 0.5rem;
}

.stat-label {
  margin: 0;
  color: var(--charcoal);
}

@media (max-width: 860px) {
  .step-grid {
    grid-template-columns: 1fr;
  }

  .section-split {
    grid-template-columns: 1fr;
    gap: 2rem;
    text-align: center;
  }

  .stat-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .stat-grid {
    grid-template-columns: 1fr;
  }
}

.section--white {
  background: var(--white);
}

.section--gray-blue {
  background: var(--soft-gray);
}

.section--navy {
  background: var(--navy);
  color: var(--soft-gray);
}

.section--navy h1,
.section--navy h2,
.section--navy h3 {
  color: var(--white);
}

.section--navy p {
  color: var(--soft-gray);
}

.section--navy .section-subheadline {
  color: var(--soft-gray);
}

.section--navy a {
  color: var(--gold);
}

.section--navy .btn-primary {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--white);
}

.section--navy .btn-primary:hover {
  background: var(--gold-dark);
}

.section--navy .btn-secondary-inverse {
  color: var(--white);
}

.section--navy .trust-line {
  color: var(--white);
}

/* Buttons */
.btn {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-btn);
  border: 2px solid transparent;
  text-decoration: none;
  cursor: pointer;
  text-align: center;
}

.btn-primary {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--midnight);
  border-color: var(--midnight);
}

.btn-secondary {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--white);
}

.btn-secondary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
}

/* Secondary CTA variant for use on navy/dark backgrounds (e.g. the hero),
   where a navy-on-navy .btn-secondary would be invisible. */
.btn-secondary-inverse {
  background: transparent;
  border-color: var(--white);
  color: var(--white);
}

.btn-secondary-inverse:hover {
  background: var(--white);
  color: var(--navy);
}

.btn-outline-white {
  background: transparent;
  border-color: var(--white);
  color: var(--white);
}

.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.1);
}

.btn-white {
  background: var(--white);
  border-color: var(--white);
  color: var(--navy);
}

.btn-white:hover {
  background: var(--soft-gray);
  border-color: var(--soft-gray);
}

/* Hero */
.hero {
  background: var(--navy);
  padding: 5rem 1.5rem;
}

.hero-eyebrow {
  display: block;
  color: var(--gold);
  font-size: 14px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 3rem;
}

.hero-content {
  text-align: left;
}

.hero-content h1 {
  color: var(--white);
  font-size: clamp(32px, 5vw, 52px);
  line-height: 1.15;
}

.hero-subheadline {
  color: #b8c8db;
  font-size: clamp(16px, 2vw, 20px);
  line-height: 1.65;
  margin-top: 1.25rem;
}

.hero-ctas {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1rem;
  margin-top: 2rem;
}

.hero-microcopy {
  color: #b8c8db;
  font-size: 0.875rem;
  margin-top: 1rem;
}

.hero-media img {
  max-width: 100%;
  border-radius: 12px;
}

@media (max-width: 860px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
    text-align: center;
  }

  .hero-ctas {
    align-items: center;
  }
}

/* Essentials section (index.html) — between hero and question-section */
.essentials-section {
  background: var(--soft-gray);
  padding: 5rem 1.5rem;
}

.essentials-section h2 {
  font-size: clamp(26px, 3.5vw, 40px);
}

.essentials-subheadline {
  color: var(--slate);
  font-size: 18px;
  line-height: 1.65;
  margin-top: 1rem;
}

.essentials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem 2rem;
  margin-top: 2.5rem;
  text-align: center;
}

.essential-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.75rem;
}

.essential-icon-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
}

.essential-icon {
  width: 28px;
  height: 28px;
}

.essential-label {
  font-weight: 600;
  color: var(--navy);
}

.essentials-closing {
  margin-top: 2.5rem;
}

@media (max-width: 860px) {
  .essentials-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 560px) {
  .essentials-grid {
    grid-template-columns: 1fr;
  }
}

/* Section 2 (index.html) */
.question-section {
  background: var(--warm-white);
  padding: 5rem 1.5rem;
}

.question-section h2 {
  font-size: clamp(26px, 3.5vw, 40px);
}

.question-kicker {
  font-family: var(--font-body);
  color: var(--slate);
  font-size: 16px;
  font-weight: 500;
  margin-bottom: 0.5rem;
}

.question-subheadline {
  color: var(--slate);
  font-size: 18px;
  line-height: 1.65;
  margin-top: 1rem;
  max-width: 680px;
}

/* Section 3 (index.html) */
.origin-section {
  background: var(--soft-gray);
  padding: 5rem 1.5rem;
}

.origin-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
}

.origin-subheadline {
  color: var(--slate);
  font-size: 18px;
  margin-top: 1rem;
}

.trust-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 1.5rem;
}

.trust-pill {
  display: inline-flex;
  background: var(--navy);
  color: var(--white);
  border-radius: 20px;
  padding: 6px 16px;
  font-size: 13px;
  font-weight: 500;
}

.section-split-media img.origin-headshot {
  border-radius: 12px;
  max-width: 400px;
}

/* Section 4 (index.html) */
.solution-section {
  background: var(--warm-white);
  padding: 5rem 1.5rem;
}

.solution-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
}

.income-gap-image {
  display: block;
  max-width: 600px;
  width: 100%;
  margin: 2rem auto;
  border-radius: 12px;
}

.income-gap-caption {
  text-align: center;
  color: var(--slate);
  font-size: 13px;
}

.pension-callout {
  background: var(--soft-gray);
  border-left: 4px solid var(--gold);
  border-radius: 0 8px 8px 0;
  padding: 1rem 1.25rem;
  margin-top: 2rem;
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
}

/* Section 5 (index.html) */
.steps-section {
  background: var(--soft-gray);
  padding: 5rem 1.5rem;
}

.steps-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
  text-align: center;
}

.steps-subheadline {
  color: var(--slate);
  font-size: 18px;
  line-height: 1.65;
  text-align: center;
  margin-top: 1rem;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.steps-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}

@media (max-width: 640px) {
  .steps-card-grid {
    grid-template-columns: 1fr;
  }
}

.steps-card {
  background: var(--warm-white);
  border-radius: 12px;
  padding: 2rem;
  border-top: 4px solid var(--gold);
  text-align: center;
}

.steps-card-icon-wrap {
  height: 160px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.steps-card-icon {
  display: block;
  width: 130px;
  height: 130px;
  object-fit: contain;
}

.steps-card-icon--large {
  width: 176px;
  height: 176px;
}

.steps-card-icon--small {
  width: 117px;
  height: 117px;
}

/* Temporary placeholder sizing for explore.png (3:2 rectangular icon vs.
   the other two icons' square 1:1 source images) so its rendered height
   is in line with the other step icons instead of being letterboxed
   down inside a square box. Revisit once the final icon set is in. */
.steps-card-icon--wide {
  width: 225px;
  height: 150px;
}

.steps-card-number {
  color: var(--gold);
  font-weight: 700;
}

.steps-card h3 {
  color: var(--navy);
  font-size: 20px;
  font-weight: 600;
  margin-top: 0.5rem;
}

.steps-card p {
  color: var(--slate);
  line-height: 1.7;
  margin-top: 0.75rem;
}

.steps-cta {
  text-align: center;
  margin-top: 3rem;
}

/* Section 6 (index.html) */
.confidence-section {
  background: var(--warm-white);
  padding: 5rem 1.5rem;
}

.confidence-inner {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}

.confidence-eyebrow {
  display: block;
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

.confidence-photo {
  display: block;
  width: 400px;
  max-width: 100%;
  height: auto;
  border-radius: 12px;
  margin: 0 auto 1.5rem;
}

.confidence-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
}

/* Section 7 (index.html) */
.calc-cta-section {
  background: var(--navy);
  padding: 5rem 1.5rem;
}

.calc-cta-inner {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}

.calc-cta-eyebrow {
  display: block;
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

.calc-cta-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
  color: var(--white);
}

.calc-cta-subheadline {
  color: #b8c8db;
  font-size: 18px;
  line-height: 1.65;
  margin-top: 1rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.calc-cta-lines {
  margin-top: 1.5rem;
  color: #b8c8db;
  font-size: 16px;
}

.calc-cta-lines p {
  margin: 0;
  color: #b8c8db;
}

.calc-cta-note {
  color: #b8c8db;
  margin-top: 1rem;
}

.calc-cta-reasons {
  list-style: none;
  margin: 1.5rem auto 0;
  padding: 0;
  max-width: 480px;
  text-align: left;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}

.calc-cta-reasons li {
  position: relative;
  padding-left: 1.75rem;
  color: #b8c8db;
  font-size: 16px;
  line-height: 1.5;
}

.calc-cta-reasons li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.45em;
  width: 0.85rem;
  height: 0.85rem;
  border-radius: 50%;
  background: var(--gold);
}

.calc-cta-btn {
  margin-top: 2rem;
}

.calc-cta-support {
  color: #b8c8db;
  font-size: 14px;
  margin-top: 0.75rem;
}

.calc-cta-disclosure {
  color: #6B7280;
  font-size: 12px;
  margin-top: 1rem;
}

/* Section 8 (index.html) */
.strategies-section {
  background: var(--warm-white);
  padding: 5rem 1.5rem;
}

.strategies-eyebrow {
  display: block;
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

.strategies-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
  text-align: center;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.strategies-section .strategies-eyebrow { text-align: center; }
.strategies-section .question-subheadline { text-align: center; margin-left: auto; margin-right: auto; }

.strategies-story {
  max-width: 760px;
  margin-top: 1.5rem;
}

.hh-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 2.5rem; margin-bottom: 2.5rem; }
@media (max-width: 680px) { .hh-cards { grid-template-columns: 1fr; } }
.hh-card { background: var(--white); border: 1px solid var(--border-subtle); border-radius: 14px; overflow: hidden; }
.hh-card-photo { aspect-ratio: 2.6 / 1; overflow: hidden; border-bottom: 3px solid var(--gold); }
.hh-card-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; display: block; }
.hh-card-body { padding: 26px 28px 28px; }
.hh-card-name { display: block; font-size: 13px; font-weight: 700; letter-spacing: 0.06em; color: var(--gold); text-transform: uppercase; margin-bottom: 6px; }
.hh-card-title { font-size: 22px; margin-bottom: 18px; }
.hh-bullets { list-style: none; margin: 0 0 20px; padding: 0; }
.hh-bullets li { position: relative; padding-left: 20px; margin-bottom: 14px; font-size: 14.5px; color: var(--charcoal); line-height: 1.5; }
.hh-bullets li::before { content: ""; position: absolute; left: 0; top: 7px; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.hh-bullets li strong { color: var(--navy); }
.hh-diagram { width: 100%; height: auto; margin-bottom: 18px; }
.hh-callout { font-size: 13.5px; font-weight: 600; padding: 12px 16px; border-radius: 8px; margin: 0; }
.hh-callout--neutral { background: var(--soft-gray); color: var(--charcoal); border-left: 3px solid var(--navy); }
.hh-callout--gold { background: #FBF3DF; color: #6B5310; border-left: 3px solid var(--gold); }
.hh-closer { font-family: var(--font-heading); font-size: 19px; color: var(--navy); font-weight: 600; text-align: center; line-height: 1.6; max-width: 720px; margin: 2.5rem auto; }
.hh-cta-row { text-align: center; margin: 0; }
.hh-cta { display: inline-block; background: var(--navy); color: var(--white); text-decoration: none; font-weight: 600; font-size: 15px; padding: 15px 34px; border-radius: var(--radius-btn); }
.hh-cta:hover { background: var(--midnight); }

.strategies-story p {
  color: var(--charcoal);
  font-size: 16px;
  line-height: 1.8;
}

/* Section 9 (index.html) */
.schedule-cta-section {
  background: var(--soft-gray);
  padding: 5rem 1.5rem;
}

.schedule-cta-inner {
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}

.schedule-eyebrow {
  display: block;
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1rem;
}

.schedule-cta-section h2 {
  font-size: clamp(24px, 3.5vw, 38px);
}

.schedule-cta-subheadline {
  color: var(--slate);
  font-size: 18px;
  line-height: 1.65;
  margin-top: 1rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.schedule-prep-note {
  color: var(--slate);
  font-size: 15px;
  margin-top: 1rem;
  max-width: 560px;
  margin-left: auto;
  margin-right: auto;
}

.schedule-embed {
  margin-top: 2rem;
}

.schedule-direct-note {
  color: var(--slate);
  font-size: 14px;
  margin-top: 1.5rem;
}

.schedule-direct-note a {
  color: var(--navy);
  font-weight: 500;
}

/* Footer */
footer {
  background: var(--white);
  color: var(--soft-gray);
  padding: 2rem 1.5rem;
  font-size: 0.9rem;
  border-top: 1px solid #e5e7eb;
}

footer a {
  color: var(--gold);
  text-decoration: none;
}

footer a:hover {
  text-decoration: underline;
}

footer h3 {
  font-family: var(--font-heading);
  color: var(--navy);
  font-size: 1rem;
  margin: 0 0 0.4rem;
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 1rem;
}

.footer-brand {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
}

.footer-logo {
  height: 56px;
  width: auto;
  margin-bottom: 0.5rem;
  filter: none;
}

.footer-tagline {
  margin: 0;
  color: var(--slate);
  font-size: 0.9rem;
}

.footer-links {
  text-align: center;
}

.footer-links ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1rem;
}

.footer-links li {
  margin-bottom: 0;
}

.footer-links a {
  color: var(--slate);
}

.footer-links a:hover {
  color: var(--navy);
}

.footer-contact {
  text-align: right;
}

.footer-contact p {
  margin: 0 0 0.25rem;
  color: var(--slate);
}

.footer-contact a:not(.btn) {
  color: var(--slate);
}

.footer-contact a:not(.btn):hover {
  color: var(--navy);
}

.footer-contact .btn-primary {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--white);
}

.footer-contact .btn-primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
}

.footer-legal-bar {
  margin: 1rem -1.5rem 0;
  padding: 1rem 1.5rem;
  border-top: 1px solid rgba(250, 250, 248, 0.15);
  background: var(--soft-gray);
}

.footer-legal-bar p {
  max-width: var(--max-width);
  margin: 0 auto 0.35rem;
  text-align: center;
  font-size: 0.78rem;
  line-height: 1.4;
  color: var(--slate);
}

.footer-legal-bar p:last-child {
  margin-bottom: 0;
}

.footer-legal-bar p.footer-legal-name {
  font-weight: 600;
  color: var(--charcoal);
}

.footer-legal-bar a {
  color: var(--slate);
}

.footer-legal-bar a:hover {
  color: var(--navy);
}

@media (max-width: 720px) {
  .footer-inner {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-brand {
    align-items: center;
    text-align: center;
  }

  .footer-links,
  .footer-contact {
    text-align: center;
  }
}

/* Page header (navy hero with eyebrow/headline/subheadline) — used on calculator.html and other pages */
.page-hero {
  background: var(--navy);
  padding: 3.5rem 1.5rem 3rem;
  text-align: center;
  border-bottom: 4px solid var(--gold);
}

.page-hero .eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 0.85rem;
}

.page-hero h1 {
  font-size: clamp(26px, 4vw, 40px);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 1rem;
}

.page-hero p {
  font-size: clamp(15px, 2vw, 18px);
  color: #b8c8db;
  line-height: 1.65;
  max-width: 600px;
  margin: 0 auto;
}

/* Retirement Paycheck Planner (calculator.html) */

.how-it-works {
  background: var(--soft-gray);
  padding: 3rem 1.5rem;
}

.how-it-works-inner {
  max-width: 860px;
  margin: 0 auto;
}

.how-it-works h2 {
  font-size: clamp(22px, 3vw, 30px);
  margin-bottom: 0.5rem;
  text-align: center;
}

.how-it-works .advisor-note {
  font-size: 14px;
  color: var(--slate);
  text-align: center;
  margin-bottom: 2rem;
  font-style: italic;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-bottom: 1.5rem;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.how-step-card {
  background: #fff;
  border-radius: 10px;
  padding: 1rem;
  border: 0.5px solid #d1d5db;
}

.how-step-number {
  font-family: var(--font-heading);
  font-size: 32px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.how-step-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 0.4rem;
}

.how-step-header .how-step-number {
  margin-bottom: 0;
}

.how-step-card .how-step-header h3 {
  margin-bottom: 0;
}

.how-step-card h3 {
  font-size: 15px;
  margin-bottom: 0.5rem;
}

.how-step-card p {
  font-size: 13px;
  color: var(--slate);
  line-height: 1.6;
}

.advisor-philosophy {
  background: #fff;
  border: 1.5px solid var(--gold);
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
  font-size: 14px;
  color: var(--charcoal);
  line-height: 1.65;
}

.advisor-philosophy strong {
  color: var(--navy);
  display: block;
  margin-bottom: 0.4rem;
  font-family: var(--font-heading);
  font-size: 16px;
}

.callout-gold {
  background: #fff;
  border-left: 4px solid var(--gold);
  border-radius: 6px;
  padding: 1.25rem 1.5rem;
  font-size: 14px;
  color: var(--charcoal);
  line-height: 1.65;
}

.contact-fallback {
  background: var(--soft-gray);
  padding: 2rem;
  border-radius: var(--radius-btn);
  margin-top: 2rem;
}

.contact-fallback h3 {
  font-family: var(--font-heading);
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.contact-fallback p {
  font-family: var(--font-body);
  color: var(--slate);
  margin-bottom: 1.5rem;
}

.contact-form .form-group {
  margin-bottom: 1rem;
}

.contact-form label {
  display: block;
  font-family: var(--font-body);
  color: var(--charcoal);
  margin-bottom: 0.25rem;
  font-weight: 500;
}

.contact-form input,
.contact-form textarea {
  width: 100%;
  padding: 0.75rem;
  border: 1px solid var(--slate);
  border-radius: 4px;
  font-family: var(--font-body);
  font-size: 1rem;
}

.form-success {
  font-family: var(--font-body);
  color: var(--navy);
  font-weight: 500;
}

.calc-wrapper {
  max-width: 860px;
  margin: 0 auto;
  padding: 2rem 1.5rem;
}

.calc-section {
  background: var(--white);
  border-radius: 12px;
  border: 0.5px solid #d1d5db;
  padding: 1.5rem;
  margin-bottom: 2rem;
}

.calc-header {
  background: var(--navy);
  color: #fff;
  border-radius: 10px 10px 0 0;
  padding: 1rem 1.5rem;
  margin: -1.5rem -1.5rem 1.5rem;
}

.calc-header h2 {
  font-size: 18px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 2px;
}

.calc-header p {
  font-size: 13px;
  color: #b8c8db;
}

.calc-disclosure-note {
  font-size: 12px;
  color: #b8c8db;
  margin-top: 6px;
}

.gate-disclosure-note {
  font-size: 13px;
  color: var(--slate);
  margin-top: 0.5rem;
  font-style: italic;
}

.legal-section h3 { font-size: 16px; }
.legal-section p { font-size: 13px; color: var(--slate); }

.section-label {
  font-size: 12px;
  font-weight: 500;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin: 1.25rem 0 0.5rem;
  padding-bottom: 4px;
  border-bottom: 0.5px solid #e5e7eb;
}

.category-label {
  font-size: 12px;
  font-weight: 500;
  color: var(--navy);
  margin: 1rem 0 0.5rem;
  padding: 4px 8px;
  background: var(--soft-gray);
  border-radius: 6px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.category-label span {
  font-size: 12px;
  color: var(--slate);
  font-weight: 400;
}

.input-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.input-group {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.input-group label {
  font-size: 12px;
  color: var(--slate);
}

.input-group input,
.input-group select {
  height: 36px;
  border: 0.5px solid #d1d5db;
  border-radius: 8px;
  padding: 0 10px;
  font-size: 14px;
  font-family: var(--font-body);
  color: var(--charcoal);
  background: #fff;
  width: 100%;
}

.input-group input:focus,
.input-group select:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 2px rgba(18, 59, 109, 0.12);
}

.results-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-top: 1.25rem;
}

.result-card {
  background: #fff;
  border-radius: 8px;
  border: 0.5px solid #d1d5db;
  padding: 0.85rem 1rem;
  text-align: center;
}

.result-card .label {
  font-size: 11px;
  color: var(--slate);
  margin-bottom: 4px;
}

.result-card .value {
  font-size: 20px;
  font-weight: 500;
  color: var(--charcoal);
}

.result-card.red-fill {
  background: #A32D2D;
  border-color: #A32D2D;
}

.result-card.red-fill .label {
  color: #f5c1c1;
}

.result-card.red-fill .value {
  color: #fff;
}

.result-card.green-fill {
  background: #27500A;
  border-color: #27500A;
}

.result-card.green-fill .label {
  color: #c0dd97;
}

.result-card.green-fill .value {
  color: #fff;
}

.result-card.neutral-fill {
  background: var(--navy);
  border-color: var(--navy);
}

.result-card.neutral-fill .label {
  color: #b8c8db;
}

.result-card.neutral-fill .value {
  color: #fff;
}

.divider {
  border: none;
  border-top: 0.5px solid #e5e7eb;
  margin: 1.25rem 0;
}

.cta-btn {
  display: block;
  width: 100%;
  margin-top: 1.25rem;
  background: var(--gold);
  color: #fff;
  border: none;
  border-radius: var(--radius-btn);
  padding: 12px;
  font-size: 15px;
  font-weight: 500;
  font-family: var(--font-body);
  cursor: pointer;
  text-align: center;
  text-decoration: none;
}

.cta-btn:hover {
  background: #b08d20;
}

.cta-btn-secondary {
  display: block;
  width: 100%;
  margin-top: 0.75rem;
  background: transparent;
  color: var(--navy);
  border: 1px solid var(--navy);
  border-radius: var(--radius-btn);
  padding: 11px;
  font-size: 14px;
  font-weight: 500;
  font-family: var(--font-body);
  cursor: pointer;
  text-align: center;
  text-decoration: none;
}

.cta-btn-secondary:hover {
  background: var(--soft-gray);
}

.disclosure {
  font-size: 11px;
  color: #9ca3af;
  margin-top: 1rem;
  line-height: 1.5;
}

.status-msg {
  font-size: 13px;
  color: #3B6D11;
  background: #EAF3DE;
  border-radius: 6px;
  padding: 8px 12px;
  margin-top: 0.75rem;
}

.status-msg.gap-msg {
  color: #7f1d1d;
  background: #FCEBEB;
}

.annual-line {
  margin-top: 8px;
  text-align: center;
  font-size: 13px;
  color: var(--slate);
}

.pension-results {
  background: #fff;
  border-radius: 10px;
  border: 0.5px solid #d1d5db;
  padding: 1.25rem;
  margin-top: 1.25rem;
}

.pension-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 7px 0;
  border-bottom: 0.5px solid #f3f4f6;
  font-size: 14px;
}

.pension-row:last-child {
  border-bottom: none;
}

.pension-row .plabel {
  color: var(--slate);
}

.pension-row .pvalue {
  font-weight: 500;
  color: var(--charcoal);
}

.pension-row.total .plabel {
  color: var(--navy);
  font-weight: 500;
}

.pension-row.total .pvalue {
  color: var(--navy);
  font-size: 16px;
}

.remaining-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 1.25rem;
}

.required-premium-box {
  background: #fff;
  border: 1.5px solid var(--gold);
  border-radius: 10px;
  padding: 1.25rem;
  margin-top: 1.25rem;
  display: flex;
  align-items: center;
  gap: 1rem;
}

.required-premium-box .rp-icon {
  font-size: 28px;
  color: var(--gold);
  flex-shrink: 0;
  font-weight: bold;
  font-family: var(--font-heading);
}

.required-premium-box .text .headline {
  font-size: 13px;
  color: var(--slate);
  margin-bottom: 4px;
}

.required-premium-box .text .amount {
  font-size: 26px;
  font-weight: 500;
  color: var(--navy);
  font-family: var(--font-heading);
}

.required-premium-box .text .sub {
  font-size: 12px;
  color: #9ca3af;
  margin-top: 3px;
}

.bridge-section {
  background: var(--soft-gray);
  padding: 3rem 1.5rem;
  border-top: 1px solid #e5e7eb;
  border-bottom: 1px solid #e5e7eb;
}

.bridge-inner {
  max-width: 860px;
  margin: 0 auto;
}

.bridge-section h2 {
  font-size: clamp(22px, 3vw, 30px);
  margin-bottom: 1rem;
}

.bridge-section p {
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.bridge-section p:last-child {
  margin-bottom: 0;
}

.closing-cta {
  background: var(--navy);
  padding: 3.5rem 1.5rem;
  text-align: center;
}

.closing-cta-inner {
  max-width: 640px;
  margin: 0 auto;
}

.closing-cta h2 {
  font-size: clamp(24px, 3.5vw, 36px);
  color: var(--white);
  margin-bottom: 1rem;
}

.closing-cta p {
  font-size: 16px;
  color: #b8c8db;
  line-height: 1.7;
  margin-bottom: 2rem;
}

.closing-cta-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}

.btn-gold {
  background: var(--gold);
  color: #fff;
  font-size: 15px;
  font-weight: 500;
  padding: 13px 28px;
  border-radius: var(--radius-btn);
  text-decoration: none;
  transition: background 0.15s;
  white-space: nowrap;
}

.btn-gold:hover {
  background: #b08d20;
}

.closing-trust {
  font-size: 13px;
  color: #b8c8db;
  margin-bottom: 1rem;
}

.closing-cta .closing-disclosure {
  font-size: 11px;
  color: var(--slate);
  line-height: 1.6;
}

@media (max-width: 560px) {
  .input-grid,
  .results-grid,
  .remaining-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .steps-grid {
    grid-template-columns: 1fr;
  }
}