/* Your Freedom Advisor — brand tokens from Card Template/README.md (same values as the contact form).
   Contrast notes: coral and gold are DECORATIVE on cream (they fail AA as text there);
   text on cream uses indigo, charcoal, magenta or stone. */
@import url("/assets/fonts/fonts.css");

:root {
  --indigo: #3A2060;
  --magenta: #9C3F72;
  --coral: #E8724C;
  --gold: #F6B94D;
  --gold-soft: #F7D9A6;
  --cream: #FBF1DE;
  --cream-deep: #F5E6CA;
  --paper: #FFFBF3;
  --silhouette: #241833;
  --charcoal: #2B2321;
  --stone: #6E5F57;
  --line: #E7D8C2;

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --radius: 14px;
  --shadow: 0 1px 2px rgba(36, 24, 51, .06), 0 6px 20px rgba(36, 24, 51, .07);
  --wrap: 72rem;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font: 400 1.0625rem/1.65 var(--font-body);
  color: var(--charcoal);
  background: var(--cream);
}
img, svg { max-width: 100%; }
a { color: var(--indigo); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--magenta); }
:focus-visible { outline: 3px solid var(--magenta); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3 { font-family: var(--font-display); font-weight: 600; color: var(--indigo); line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(2rem, 1.4rem + 2.6vw, 3.25rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.5rem, 1.2rem + 1.3vw, 2.2rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 1.25rem; }
.narrow { max-width: 44rem; }
.center { text-align: center; }
.plain { list-style: none; margin: 0; padding: 0; }
.eyebrow { font: 600 .8rem/1.2 var(--font-body); letter-spacing: .14em; text-transform: uppercase; color: var(--magenta); margin: 0 0 .75rem; }
.lede { font-size: 1.2rem; color: var(--stone); }
.fine { font-size: .875rem; color: var(--stone); font-style: italic; }
.skip { position: absolute; left: -999px; top: 0; background: var(--indigo); color: var(--cream); padding: .6rem 1rem; z-index: 10; }
.skip:focus { left: 1rem; }

.preview-banner { background: var(--silhouette); color: var(--gold-soft); text-align: center; font-size: .8rem; padding: .35rem 1rem; }

/* ---- header / nav --------------------------------------------------------- */
.site-header { background: var(--paper); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 4.5rem; }
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: var(--indigo); }
.brand .windmill { width: 1.35rem; height: 3.1rem; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name { font: 600 1.15rem var(--font-body); }
.brand-role { font-size: .78rem; color: var(--magenta); letter-spacing: .02em; }

.nav-list { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 1.4rem; }
.nav-list a:not(.btn) { text-decoration: none; font-weight: 500; color: var(--charcoal); padding: .3rem 0; border-bottom: 2px solid transparent; }
.nav-list a:not(.btn):hover, .nav-list a[aria-current]:not(.btn) { color: var(--indigo); border-bottom-color: var(--gold); }

.nav-toggle { display: none; }
@media (max-width: 60rem) {
  .nav-desktop { display: none; }
  .nav-toggle { display: block; }
  .nav-toggle summary {
    list-style: none; cursor: pointer; font-weight: 600; color: var(--indigo);
    border: 1.5px solid var(--indigo); border-radius: 999px; padding: .35rem 1rem;
  }
  .nav-toggle summary::-webkit-details-marker { display: none; }
  .nav-toggle[open] .nav-list {
    position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: var(--shadow); padding: .5rem 1.25rem 1.25rem;
  }
  .nav-toggle[open] .nav-list a:not(.btn) { display: block; padding: .8rem 0; border-bottom: 1px solid var(--line); }
  .nav-toggle[open] .nav-list .btn { margin-top: 1rem; display: block; text-align: center; }
  .site-header { position: relative; }
}

/* ---- buttons -------------------------------------------------------------- */
.btn {
  display: inline-block; text-decoration: none; font-weight: 600; line-height: 1.2;
  background: var(--indigo); color: var(--cream); border: 2px solid var(--indigo);
  border-radius: 999px; padding: .85rem 1.5rem; transition: background .15s, color .15s, border-color .15s;
}
.btn:hover { background: var(--magenta); border-color: var(--magenta); color: #fff; }
.btn-ghost { background: transparent; color: var(--indigo); }
.btn-ghost:hover { background: var(--indigo); color: var(--cream); border-color: var(--indigo); }
.btn-light { background: var(--cream); color: var(--indigo); border-color: var(--cream); }
.btn-light:hover { background: var(--gold); border-color: var(--gold); color: var(--silhouette); }
.btn-outline-light { background: transparent; color: var(--cream); border-color: var(--cream); }
.btn-outline-light:hover { background: var(--cream); color: var(--indigo); }
.btn-small { padding: .5rem 1.1rem; font-size: .95rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: .75rem; }

/* ---- hero (card-back gradient + horizon) ---------------------------------- */
.hero {
  position: relative; color: var(--cream);
}
/* Text sits only on the indigo->magenta part (cream on magenta = 6.2:1). The coral/gold sunset is confined to
   the strip behind the horizon art, where there is no text (cream on coral measured 2.8:1). */
.hero-top { background: linear-gradient(180deg, var(--indigo) 0%, var(--magenta) 100%); }
.hero-sky { background: linear-gradient(180deg, var(--magenta) 0%, var(--coral) 55%, var(--gold) 100%); padding-top: clamp(1.5rem, 4vw, 3rem); }
.hero-inner { padding: clamp(3rem, 7vw, 6rem) 1.25rem clamp(2rem, 4vw, 3rem); max-width: var(--wrap); margin: 0 auto; }
.hero h1 { color: var(--cream); max-width: 17em; }
.hero .slogan { font-family: var(--font-display); font-style: italic; font-size: clamp(1.25rem, 1rem + 1vw, 1.7rem); color: var(--gold-soft); margin-bottom: 1.25rem; }
.hero p { max-width: 38rem; font-size: 1.15rem; }
.hero .eyebrow { color: var(--gold); }
.hero .horizon { display: block; width: 100%; height: auto; opacity: .92; margin-top: -1px; }
.hero-short .hero-inner { padding-bottom: 1rem; }

.page-head { background: var(--paper); border-bottom: 1px solid var(--line); padding: clamp(2.5rem, 5vw, 4rem) 0 2rem; }
.page-head .lede { max-width: 42rem; }

/* ---- sections ------------------------------------------------------------- */
.section { padding: clamp(3rem, 6vw, 5rem) 0; }
.section-alt { background: var(--paper); border-block: 1px solid var(--line); }
.section-head { max-width: 42rem; margin-bottom: 2rem; }
.section-head.center { margin-inline: auto; }

.grid { display: grid; gap: 1.25rem; grid-template-columns: repeat(auto-fit, minmax(15.5rem, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(17rem, 1fr)); }
.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: var(--shadow); display: flex; flex-direction: column;
}
.section-alt .card { background: var(--cream); }
.card h3 { margin-bottom: .4rem; }
.card p:last-child { margin-bottom: 0; }
.card .more { margin-top: auto; padding-top: .75rem; font-weight: 600; }
a.card { text-decoration: none; color: inherit; transition: transform .15s, box-shadow .15s; }
a.card:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(36, 24, 51, .12); color: inherit; }
.card-rule::before { content: ""; display: block; width: 3rem; height: 4px; border-radius: 2px; margin-bottom: 1rem;
  background: linear-gradient(90deg, var(--magenta), var(--gold)); }

/* Three paths in: quote / question / not sure */
.paths { display: grid; gap: 1.25rem; grid-template-columns: repeat(auto-fit, minmax(16rem, 1fr)); }
.path { background: var(--paper); border-radius: var(--radius); border: 1px solid var(--line); padding: 1.75rem; box-shadow: var(--shadow); display: flex; flex-direction: column; }
.path h3 { font-size: 1.35rem; }
.path .btn { margin-top: auto; align-self: flex-start; }
.path-featured { background: var(--indigo); color: var(--cream); border-color: var(--indigo); }
.path-featured h3 { color: var(--cream); }
.path-featured .eyebrow { color: var(--gold); }

/* The "I don't know what I need" band */
.band { background: var(--silhouette); color: var(--cream); padding: clamp(3rem, 6vw, 4.5rem) 0; }
.band h2 { color: var(--cream); font-style: italic; }
.band p { color: var(--gold-soft); max-width: 40rem; font-size: 1.1rem; }

.pill-row { display: flex; flex-wrap: wrap; gap: .5rem; padding: 0; margin: 0 0 1rem; list-style: none; }
.pill { background: var(--cream-deep); color: var(--indigo); border-radius: 999px; padding: .35rem .9rem; font-weight: 600; font-size: .9rem; letter-spacing: .03em; }

/* Category pages: product list */
.products { display: grid; gap: 1rem; }
.product { background: var(--paper); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 10px; padding: 1.25rem 1.5rem; scroll-margin-top: 6rem; }
.product h2 { font-size: 1.3rem; margin-bottom: .3rem; }
.product p { margin-bottom: .5rem; }
.category-note { font-weight: 600; margin: .5rem 0 0; }
.product .actions { display: flex; flex-wrap: wrap; gap: 1rem; font-weight: 600; font-size: .95rem; }
.jump { display: flex; flex-wrap: wrap; gap: .4rem .9rem; margin: 1rem 0 0; padding: 0; list-style: none; font-size: .95rem; }
.tags { display: flex; flex-wrap: wrap; gap: .4rem; margin: .4rem 0 .8rem; padding: 0; list-style: none; }
.tags li { background: var(--cream-deep); border: 1px solid var(--line); border-radius: 999px; padding: .15rem .75rem; font-size: .9rem; }

.prose { max-width: 42rem; }
.prose h2 { margin-top: 2rem; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .4rem; }
.pullquote { font-family: var(--font-display); font-style: italic; font-size: 1.5rem; color: var(--indigo); border-left: 4px solid var(--gold); padding-left: 1rem; margin: 2rem 0; }

.split { display: grid; gap: clamp(2rem, 5vw, 4rem); grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); align-items: start; }
@media (max-width: 50rem) { .split { grid-template-columns: 1fr; } }

.contact-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.75rem; box-shadow: var(--shadow); }
.contact-card dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: .5rem 1rem; }
.contact-card dt { font-weight: 600; color: var(--stone); }
.contact-card dd { margin: 0; }

.photo { display: block; width: 100%; height: auto; aspect-ratio: 4/5; object-fit: cover; border-radius: var(--radius); }
.avatar { display: block; width: 7.5rem; height: 7.5rem; border-radius: 50%; object-fit: cover; border: 3px solid var(--gold); margin: 0 0 1rem; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 1rem; }
.steps li { counter-increment: step; position: relative; padding-left: 3.25rem; }
.steps li::before { content: counter(step); position: absolute; left: 0; top: 0; width: 2.25rem; height: 2.25rem; border-radius: 50%;
  background: var(--indigo); color: var(--cream); display: grid; place-items: center; font-weight: 700; }
.steps strong { display: block; color: var(--indigo); }

.quote-card blockquote { margin: 0 0 1rem; font-family: var(--font-display); font-size: 1.15rem; color: var(--indigo); }
.quote-card figcaption { color: var(--stone); font-size: .95rem; }

/* ---- footer --------------------------------------------------------------- */
.site-footer { margin-top: 0; }
.site-footer .horizon { display: block; width: 100%; height: auto; margin-bottom: -1px; }
.footer-body { background: var(--silhouette); color: var(--cream); padding: 2rem 0 1.5rem; }
.footer-body a { color: var(--gold-soft); }
.footer-body a:hover { color: var(--gold); }
.footer-grid { display: grid; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(13rem, 1fr)); padding-bottom: 2rem; border-bottom: 1px solid rgba(251, 241, 222, .15); }
.footer-name { font-weight: 600; font-size: 1.15rem; margin: 0; }
.footer-role { color: var(--gold-soft); margin: 0 0 .75rem; font-size: .9rem; }
.footer-slogan { font-family: var(--font-display); font-style: italic; color: var(--gold); font-size: 1.15rem; }
.footer-h { font: 600 .8rem/1.2 var(--font-body); letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin-bottom: .9rem; }
.footer-grid li { margin-bottom: .45rem; }
/* Keep the email on one line wherever there's room: 2x2 on tablets, and on desktop the contact column sizes to it. */
@media (min-width: 48rem) { .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .footer-email a { white-space: nowrap; } }
@media (min-width: 64rem) { .footer-grid { grid-template-columns: 1fr max-content 1fr 1fr; } }
.footer-legal { padding-top: 1.25rem; font-size: .8rem; color: rgba(251, 241, 222, .72); }
.footer-legal p { max-width: 60rem; }

@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }
@media print { .site-header, .site-footer, .preview-banner, .band { display: none; } body { background: #fff; } }
.btn-row-center { justify-content: center; }
.center-block { margin-inline: auto; }
.mt { margin-top: 1.5rem; }
h2.h3 { font-size: 1.35rem; }
.category-summary { margin-bottom: 1.25rem; }
.category-summary h2 a { text-decoration: none; }
.review-notice { background: #FFF1C9; border: 1px solid var(--gold); border-radius: 10px; padding: .75rem 1rem; }
h2.mt { margin-top: 2.5rem; }
/* Grid children default to min-width:auto, so long emails/URLs pushed the contact page past 390px. */
.split > *, .grid > *, .paths > * { min-width: 0; }
.contact-card dl { grid-template-columns: auto minmax(0, 1fr); }
p a, li a, dd a { overflow-wrap: anywhere; }
@media (max-width: 50rem) { .split { grid-template-columns: minmax(0, 1fr); } }
.card-featured { border-color: var(--gold); background: linear-gradient(180deg, var(--paper), var(--cream-deep)); }
.card-featured::before { background: linear-gradient(90deg, var(--coral), var(--gold)); }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.life-quote { margin-top: 1.5rem; max-width: 44rem; }
/* Home quick access: self-serve tools (renters now, life/annuity/disability quotes) */
.self-serve { background: var(--paper); border-bottom: 1px solid var(--line); padding: 2rem 0; }
.self-serve-head { margin-bottom: 1rem; }
.self-serve-head .h3 { margin: 0; }
.self-serve-grid { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); }
.self-serve-card { background: var(--cream); border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: var(--radius); padding: 1.25rem; display: flex; flex-direction: column; gap: .5rem; min-width: 0; }
.self-serve-card h3 { font-size: 1.15rem; margin: 0; }
.self-serve-card p { margin: 0; }
.self-serve-card .btn { align-self: flex-start; }
.self-serve-card .fine { margin-top: auto; }
.self-serve-help { border-top-color: var(--indigo); }
.self-serve-callout { margin-top: 1.5rem; max-width: 44rem; }
/* Home quick access: self-serve tools (renters now, life/annuity/disability quotes) */
.self-serve { background: var(--paper); border-bottom: 1px solid var(--line); padding: 2rem 0; }
.self-serve-head { margin-bottom: 1rem; }
.self-serve-head .h3 { margin: 0; }
.self-serve-grid { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); }
.self-serve-card { background: var(--cream); border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: var(--radius); padding: 1.25rem; display: flex; flex-direction: column; gap: .5rem; min-width: 0; }
.self-serve-card h3 { font-size: 1.15rem; margin: 0; }
.self-serve-card p { margin: 0; }
.self-serve-card .btn { align-self: flex-start; }
.self-serve-card .fine { margin-top: auto; }
.self-serve-help { border-top-color: var(--indigo); }
.self-serve-callout { margin-top: 1.5rem; max-width: 44rem; }
.byline { color: var(--stone); font-size: .95rem; margin-bottom: 1.5rem; }