/* =========================================================
   Annuity lead-capture — calm, trustworthy financial look
   ========================================================= */

:root {
  --ink: #1a2332;
  --ink-soft: #3d4a5c;
  --muted: #5c6b7e;
  --line: #d8e0ea;
  --bg: #f7f9fc;
  --bg-alt: #eef3f8;
  --surface: #ffffff;
  --brand: #1e4d6b;
  --brand-dark: #163a52;
  --brand-soft: #e8f1f7;
  --accent: #2a7a6c;
  --accent-soft: #e6f4f1;
  --warn: #8a5a12;
  --warn-soft: #f8f0e3;
  --danger: #9b2c2c;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(26, 35, 50, 0.04), 0 8px 24px rgba(26, 35, 50, 0.06);
  --shadow-lg: 0 4px 12px rgba(26, 35, 50, 0.06), 0 20px 48px rgba(26, 35, 50, 0.08);
  --font: "DM Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --serif: "Libre Baskerville", Georgia, "Times New Roman", serif;
  --max: 1100px;
  --narrow: 720px;
}

*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.05rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a {
  color: var(--brand);
  text-decoration-thickness: 1px;
  text-underline-offset: 2px;
}
a:hover { color: var(--brand-dark); }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 700;
  line-height: 1.25;
  color: var(--ink);
  margin: 0 0 0.75rem;
}

h1 { font-size: clamp(1.85rem, 4vw, 2.65rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.45rem, 3vw, 1.95rem); }
h3 { font-size: 1.15rem; font-family: var(--font); font-weight: 600; }

p { margin: 0 0 1rem; color: var(--ink-soft); }

.container {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}
.narrow { width: min(100% - 2rem, var(--narrow)); margin-inline: auto; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--brand);
  color: #fff;
  padding: 0.5rem 1rem;
  z-index: 100;
}
.skip-link:focus { left: 0.5rem; top: 0.5rem; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 249, 252, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.15rem 0;
  gap: 1.25rem;
  min-height: 5.75rem;
}

.logo {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
  min-width: 0;
}
.logo-img {
  display: block;
  height: 72px;
  width: auto;
  max-width: min(60vw, 380px);
}
.logo-img-full { display: block; }
.logo-img-compact { display: none; }
@media (max-width: 1100px) {
  .logo-img { height: 64px; max-width: min(52vw, 340px); }
}
@media (max-width: 920px) {
  .logo-img-full { display: none; }
  .logo-img-compact { display: block; height: 52px; max-width: min(64vw, 280px); }
  .header-inner { min-height: 4.75rem; padding: 1rem 0; }
}
@media (max-width: 420px) {
  .logo-img-compact { height: 48px; max-width: min(66vw, 250px); }
  .header-inner { gap: 0.65rem; padding: 0.9rem 0; }
}


.header-nav {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-shrink: 0;
}
@media (max-width: 1100px) {
  .header-nav { gap: 0.75rem; }
  .header-nav a:not(.btn) { font-size: 0.9rem; }
}
.header-nav a {
  text-decoration: none;
  color: var(--ink-soft);
  font-size: 0.95rem;
  font-weight: 500;
}
.header-nav a:hover { color: var(--brand); }
.header-nav .btn { color: #fff; }
.header-nav .btn:hover { color: #fff; }

@media (max-width: 720px) {
  .header-nav a:not(.btn) { display: none; }
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: 1px solid transparent;
  border-radius: 999px;
  font-family: inherit;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.55rem 1.15rem;
  cursor: pointer;
  text-decoration: none;
  transition: background 0.15s, border-color 0.15s, transform 0.1s;
}
.btn:active { transform: translateY(1px); }
.btn-sm { font-size: 0.875rem; padding: 0.4rem 0.9rem; }
.btn-lg { font-size: 1.05rem; padding: 0.8rem 1.5rem; }
.btn-block { width: 100%; }
.btn-primary {
  background: var(--brand);
  color: #fff;
  border-color: var(--brand);
}
.btn-primary:hover {
  background: var(--brand-dark);
  border-color: var(--brand-dark);
  color: #fff;
}
.btn-ghost {
  background: transparent;
  color: var(--brand);
  border-color: var(--line);
}
.btn-ghost:hover {
  background: var(--brand-soft);
  border-color: #c5d6e4;
  color: var(--brand-dark);
}
.btn:disabled {
  opacity: 0.65;
  cursor: not-allowed;
}

/* Hero */
.hero {
  padding: 3.5rem 0 4rem;
  background:
    radial-gradient(ellipse 80% 60% at 90% 10%, #dceaf3 0%, transparent 55%),
    radial-gradient(ellipse 50% 40% at 5% 90%, #e4f0ec 0%, transparent 50%),
    var(--bg);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.35fr 1fr;
  gap: 2.5rem;
  align-items: center;
}

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

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 0.75rem;
}

.lede {
  font-size: 1.125rem;
  max-width: 38rem;
  margin-bottom: 1.75rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 1.75rem;
}

.hero-points {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.25rem;
  font-size: 0.925rem;
  color: var(--muted);
}
.hero-points li {
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.hero-points li::before {
  content: "";
  width: 0.45rem;
  height: 0.45rem;
  border-radius: 50%;
  background: var(--accent);
  flex-shrink: 0;
}

.hero-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 1.75rem;
}

.hero-card-title {
  font-family: var(--font);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 1.25rem;
  color: var(--ink);
}

.hero-card-row {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.85rem;
  align-items: start;
  padding: 0.85rem 0;
  border-top: 1px solid var(--line);
}
.hero-card-row:first-of-type { border-top: none; padding-top: 0; }
.hero-card-row p { margin: 0; font-size: 0.95rem; }

.hero-card-note {
  margin: 1rem 0 0;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
  font-size: 0.875rem;
  color: var(--muted);
}

.pill {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.3rem 0.65rem;
  border-radius: 999px;
  white-space: nowrap;
}
.pill-fixed { background: var(--brand-soft); color: var(--brand); }
.pill-variable { background: var(--accent-soft); color: var(--accent); }

/* Sections */
.section {
  padding: 4rem 0;
}
.section-alt {
  background: var(--bg-alt);
  border-block: 1px solid var(--line);
}
.section-head {
  text-align: center;
  max-width: 40rem;
  margin: 0 auto 2.5rem;
}
.section-sub {
  margin: 0;
  color: var(--muted);
}

/* Compare */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}
@media (max-width: 760px) {
  .compare-grid { grid-template-columns: 1fr; }
}

.compare-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.75rem;
  box-shadow: var(--shadow);
}
.compare-card-top { margin-bottom: 1rem; }
.compare-card-top .pill { margin-bottom: 0.75rem; }
.compare-what { margin-bottom: 0.85rem; }

.tradeoffs {
  list-style: none;
  padding: 0;
  margin: 1.25rem 0 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.tradeoffs li {
  font-size: 0.925rem;
  color: var(--ink-soft);
  padding: 0.75rem 0.9rem;
  background: var(--bg);
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
}

.tag {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.15rem 0.45rem;
  border-radius: 4px;
  margin-right: 0.35rem;
  vertical-align: 1px;
}
.tag-plus { background: var(--brand-soft); color: var(--brand); }
.tag-warn { background: var(--warn-soft); color: var(--warn); }

.compare-footnote {
  margin: 1.75rem 0 0;
  text-align: center;
  font-size: 0.875rem;
  color: var(--muted);
}

/* Steps */
.steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  counter-reset: none;
}
@media (max-width: 760px) {
  .steps { grid-template-columns: 1fr; }
}

.step {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  font-weight: 700;
  font-size: 0.9rem;
  margin-bottom: 0.85rem;
}
.step h3 { margin-bottom: 0.4rem; }
.step p { margin: 0; font-size: 0.95rem; }

/* FAQ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.faq-item {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0;
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  padding: 1rem 1.15rem;
  font-weight: 600;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.25rem;
  font-weight: 400;
  color: var(--muted);
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p {
  margin: 0;
  padding: 0 1.15rem 1.15rem;
  font-size: 0.975rem;
}

/* Form section */
.section-form {
  background:
    linear-gradient(180deg, var(--bg) 0%, var(--brand-soft) 100%);
  padding-bottom: 5rem;
}

.form-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.2fr;
  gap: 2.5rem;
  align-items: start;
}
@media (max-width: 860px) {
  .form-layout { grid-template-columns: 1fr; }
}

.form-assurances {
  list-style: none;
  padding: 0;
  margin: 1.5rem 0 0;
}
.form-assurances li {
  position: relative;
  padding-left: 1.4rem;
  margin-bottom: 0.55rem;
  color: var(--ink-soft);
  font-size: 0.95rem;
}
.form-assurances li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 700;
}

.form-panel {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 1.75rem;
}

.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (max-width: 560px) {
  .field-row { grid-template-columns: 1fr; }
}

.field {
  margin-bottom: 1rem;
}
.field label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 0.35rem;
}
.req { color: var(--danger); }
.optional {
  font-weight: 400;
  color: var(--muted);
  font-size: 0.8rem;
}

.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field select,
.field textarea {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  padding: 0.65rem 0.8rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--ink);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.field textarea { resize: vertical; min-height: 5rem; }
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--brand);
  box-shadow: 0 0 0 3px rgba(30, 77, 107, 0.15);
}
.field input.is-invalid,
.field select.is-invalid,
.field textarea.is-invalid {
  border-color: var(--danger);
}
.field-error {
  display: block;
  min-height: 1.1em;
  font-size: 0.8rem;
  color: var(--danger);
  margin-top: 0.25rem;
}

.consent-field { margin-top: 0.25rem; }
.consent-label {
  display: flex !important;
  gap: 0.75rem;
  align-items: flex-start;
  font-weight: 400 !important;
  font-size: 0.85rem !important;
  line-height: 1.5;
  color: var(--ink-soft) !important;
  cursor: pointer;
}
.consent-label input[type="checkbox"] {
  margin-top: 0.2rem;
  width: 1.1rem;
  height: 1.1rem;
  flex-shrink: 0;
  accent-color: var(--brand);
}

.form-alert {
  margin-bottom: 1rem;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  background: #fde8e8;
  color: var(--danger);
  border: 1px solid #f5c2c2;
}
.form-alert.is-success {
  background: var(--accent-soft);
  color: #1a5c50;
  border-color: #b7ddd4;
}

.form-fineprint {
  margin: 0.85rem 0 0;
  font-size: 0.8rem;
  color: var(--muted);
  text-align: center;
}

/* Honeypot — visually hidden from users */
.hp {
  position: absolute !important;
  left: -10000px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}

/* Thank you */
.thank-you {
  text-align: center;
  padding: 2rem 0.5rem;
}
.thank-you-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 3.25rem;
  height: 3.25rem;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
}
.thank-you h3 {
  font-family: var(--serif);
  font-size: 1.45rem;
  margin-bottom: 0.75rem;
}
.thank-you-ref {
  font-size: 0.925rem;
  color: var(--muted);
  margin-bottom: 1.5rem;
}

/* Footer */
.site-footer {
  background: var(--ink);
  color: #c5ced9;
  padding: 3rem 0 2rem;
  font-size: 0.9rem;
}
.site-footer a { color: #e8eef5; }
.site-footer a:hover { color: #fff; }

.footer-grid {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1.5rem;
  margin-bottom: 2rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand-block {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
}
.footer-shield {
  flex-shrink: 0;
  width: 40px;
  height: auto;
  opacity: 0.95;
  filter: brightness(1.15);
}
.footer-brand {
  font-weight: 700;
  font-size: 1.05rem;
  color: #fff;
  margin: 0 0 0.5rem;
}
.footer-contact { margin: 0; color: #a8b4c2; }
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  align-items: flex-start;
}

.disclaimers p {
  color: #8e9aab;
  font-size: 0.8rem;
  line-height: 1.55;
  margin-bottom: 0.75rem;
}
.disclaimer-badge {
  display: inline-block;
  background: rgba(255,255,255,0.08);
  color: #d4a84b !important;
  padding: 0.35rem 0.7rem;
  border-radius: 4px;
  font-size: 0.75rem !important;
  font-weight: 600;
  margin-bottom: 1rem !important;
}
.copyright {
  margin-top: 1.25rem !important;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  color: #6f7c8c !important;
}

/* Privacy page */
.privacy-page {
  padding: 3rem 0 4rem;
}
.privacy-page h1 { margin-bottom: 0.5rem; }
.privacy-meta {
  color: var(--muted);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}
.privacy-page h2 {
  font-family: var(--font);
  font-size: 1.15rem;
  margin-top: 2rem;
}
.privacy-banner {
  background: var(--warn-soft);
  border: 1px solid #e8d4b0;
  color: var(--warn);
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}


/* 3-column compare (life insurance) */
.compare-grid-3 {
  grid-template-columns: repeat(3, 1fr);
}
@media (max-width: 960px) {
  .compare-grid-3 { grid-template-columns: 1fr; }
}

/* Cross-link band */
.cross-link-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem 2rem;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.75rem 2rem;
  box-shadow: var(--shadow);
}
.cross-link-inner h2 { margin-bottom: 0.4rem; }
.cross-link-inner p:last-of-type { margin-bottom: 0; }
.cross-link.section { padding: 2.5rem 0; }

/* Active nav link */
.header-nav a[aria-current="page"] {
  color: var(--brand);
  font-weight: 600;
}


/* =========================================================
   Featured Fixed Rate of the Week
   ========================================================= */
.featured-rates {
  background: linear-gradient(180deg, #e8f1f7 0%, var(--bg) 100%);
  border-bottom: 1px solid var(--line);
  padding: 1.35rem 0 1.5rem;
}
.featured-rates-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1.1rem;
}
.featured-rates-head .eyebrow {
  margin-bottom: 0.25rem;
}
.featured-rates-head h2 {
  font-family: var(--serif);
  font-size: clamp(1.35rem, 2.4vw, 1.75rem);
  color: var(--brand-dark);
  margin: 0;
  line-height: 1.25;
  font-weight: 700;
}
.featured-updated {
  display: inline-flex;
  align-items: center;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--accent);
  background: var(--accent-soft);
  border: 1px solid #c5e4dc;
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  white-space: nowrap;
}
.featured-rate-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (max-width: 720px) {
  .featured-rate-grid { grid-template-columns: 1fr; }
}
.rate-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.25rem 1.35rem 1.35rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  position: relative;
}
.rate-card:hover {
  border-color: #b7c9da;
  box-shadow: var(--shadow-lg);
}
.rate-card-badge {
  align-self: flex-start;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--brand);
  background: var(--brand-soft);
  border-radius: 999px;
  padding: 0.3rem 0.65rem;
}
.rate-card-badge-ny {
  color: var(--accent);
  background: var(--accent-soft);
}
.rate-card-rate {
  display: flex;
  align-items: baseline;
  gap: 0.65rem;
  flex-wrap: wrap;
}
.rate-value {
  font-family: var(--serif);
  font-size: clamp(2.4rem, 5vw, 3.15rem);
  font-weight: 700;
  color: var(--brand-dark);
  line-height: 1;
  letter-spacing: -0.02em;
}
.rate-suffix {
  font-size: 0.85rem;
  color: var(--muted);
  font-weight: 500;
}
.rate-card-meta {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.45rem;
}
.rate-card-meta li {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.4rem 0;
  border-top: 1px solid var(--line);
  font-size: 0.95rem;
}
.rate-card-meta li:first-child { border-top: none; padding-top: 0; }
.meta-label { color: var(--muted); font-weight: 500; }
.meta-value { color: var(--ink); font-weight: 600; text-align: right; }
.rate-cta { margin-top: 0.25rem; }
.featured-rates-disclaimer {
  margin: 1rem 0 0;
  font-size: 0.78rem;
  line-height: 1.55;
  color: var(--muted);
  max-width: 62rem;
}
@media (max-width: 720px) {
  .featured-rates { padding: 1.1rem 0 1.25rem; }
  .featured-rates-head { align-items: flex-start; }
}