/* ============================================================
   AnnuityRadar.com — styles.css
   Navy #150E41 | Gold #F0B92D | White #FFFFFF
   Fraunces (display) + Inter (body/UI)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,500&family=Inter:wght@400;500;600;700&display=swap');

/* ---------- CSS Variables ---------- */
:root {
  --navy:       #150E41;
  --navy-mid:   #1E1760;
  --navy-light: #28207A;
  --blue:       #2068B5;
  --blue-light: #3D85D1;
  --gold:       #F0B92D;
  --gold-light: #F6CE63;
  --gold-dark:  #C8941A;
  --white:      #FFFFFF;
  --off-white:  #F7F8FC;
  --gray-100:   #EDEFF6;
  --gray-200:   #D8DCE8;
  --gray-400:   #969CB0;
  --gray-600:   #565C72;
  --gray-800:   #272B3A;
  --green:      #2E7D52;
  --green-light:#E8F5EE;

  --font-head:  'Fraunces', 'Playfair Display', Georgia, serif;
  --font-body:  'Inter', 'Source Sans 3', 'Segoe UI', sans-serif;

  --radius:     10px;
  --radius-lg:  18px;
  --shadow-sm:  0 2px 8px rgba(21,14,65,0.06);
  --shadow-md:  0 6px 24px rgba(21,14,65,0.10);
  --shadow-lg:  0 14px 44px rgba(21,14,65,0.14);
  --ease:       cubic-bezier(0.16, 1, 0.3, 1);

  --max-w:      1160px;
  --section-py: 80px;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--gold-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
ul, ol { padding-left: 1.5rem; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.25;
  font-weight: 700;
}
h1 { font-size: clamp(2rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
.lead { font-size: 1.15rem; color: var(--gray-600); font-weight: 400; line-height: 1.7; }

/* ---------- Layout ---------- */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section { padding: var(--section-py) 0; }
.section--gray { background: var(--off-white); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h2, .section--navy h3 { color: var(--white); }
.section-head { text-align: center; margin-bottom: 48px; }
.section-head h2 { margin-bottom: 12px; }
.section-head p { color: var(--gray-600); max-width: 640px; margin: 0 auto; }
.rate-timestamp {
  display: inline-flex; align-items: center; gap: 8px;
  margin: 14px auto 0 !important; padding: 7px 16px; border-radius: 100px;
  background: var(--green-light); border: 1px solid #B9DCC8;
  font-size: 0.82rem !important; font-weight: 600; color: var(--green) !important;
  max-width: none !important;
}
.rate-timestamp::before {
  content: ''; width: 7px; height: 7px; border-radius: 50%;
  background: var(--green); box-shadow: 0 0 6px rgba(46,125,82,0.6);
}

/* ---------- Intent router ---------- */
.intent-router { background: var(--off-white); padding: 72px 0; }
.intent-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 44px;
}
@media (max-width: 900px) { .intent-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .intent-grid { grid-template-columns: 1fr; } }
.intent-card {
  position: relative; display: flex; flex-direction: column; gap: 8px;
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 16px; padding: 26px 24px 24px;
  text-decoration: none;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
  overflow: hidden;
}
.intent-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.35s var(--ease);
}
.intent-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(240,185,45,0.5); text-decoration: none; }
.intent-card:hover::before { transform: scaleX(1); }
.ic-icon { font-size: 1.7rem; line-height: 1; margin-bottom: 2px; }
.ic-title { font-family: var(--font-head); font-size: 1.18rem; font-weight: 600; color: var(--navy); line-height: 1.2; letter-spacing: -0.01em; }
.ic-sub { font-size: 0.88rem; color: var(--gray-600); line-height: 1.5; }
.ic-arrow { position: absolute; right: 20px; bottom: 18px; color: var(--gold-dark); font-weight: 700; font-size: 1.1rem; opacity: 0; transform: translateX(-6px); transition: opacity 0.25s var(--ease), transform 0.25s var(--ease); }
.intent-card:hover .ic-arrow { opacity: 1; transform: translateX(0); }

/* ---------- Navigation ---------- */
#site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 24px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; flex-shrink: 0;
}
.nav-logo img { height: 52px; width: auto; }
.nav-logo img.nav-logo-img--home { height: 66px; }
.nav-logo-text {
  font-family: var(--font-head);
  font-size: 1.2rem; font-weight: 700;
  color: var(--white); line-height: 1.1;
}
.nav-logo-text span { color: var(--gold); }
.nav-links {
  display: flex; align-items: center; gap: 4px;
  list-style: none; padding: 0; margin: 0;
}
.nav-links > li { position: relative; }
.nav-links > li > a {
  display: block; padding: 8px 14px;
  color: rgba(255,255,255,0.85);
  font-weight: 600; font-size: 0.9rem;
  border-radius: var(--radius);
  transition: color 0.2s, background 0.2s;
  white-space: nowrap; text-decoration: none;
}
.nav-links > li > a:hover,
.nav-links > li.active > a {
  color: var(--white); background: rgba(255,255,255,0.1);
}
.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: 0.75rem; opacity: 0.7; }
.dropdown-menu {
  display: none; position: absolute;
  top: 100%; left: 0; padding-top: 6px;
  min-width: 240px; z-index: 200;
}
.dropdown-menu-inner {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  border-top: 3px solid var(--gold);
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block; padding: 10px 16px;
  color: var(--navy); font-weight: 600; font-size: 0.9rem;
  border-radius: var(--radius); text-decoration: none;
  transition: background 0.15s;
}
.dropdown-menu a:hover { background: var(--off-white); color: var(--navy); }
.nav-cta {
  background: var(--gold) !important; color: var(--navy) !important;
  padding: 9px 20px !important; border-radius: var(--radius) !important;
  font-weight: 700 !important; font-size: 0.875rem !important;
  transition: background 0.2s, transform 0.1s !important;
  text-decoration: none !important; white-space: nowrap;
}
.nav-cta:hover {
  background: var(--gold-light) !important; transform: translateY(-1px);
  text-decoration: none !important; color: var(--navy) !important;
}
.nav-cta-blue {
  background: var(--blue) !important; color: var(--white) !important;
  margin-right: 8px;
}
.nav-cta-blue:hover {
  background: var(--blue-light) !important; color: var(--white) !important;
}
.nav-toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.nav-toggle span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px; transition: 0.3s;
}
@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav-links {
    display: none; position: fixed;
    top: 68px; left: 0; right: 0;
    background: var(--navy-mid);
    flex-direction: column; align-items: stretch;
    padding: 16px; gap: 4px; box-shadow: var(--shadow-lg);
    max-height: calc(100vh - 68px); overflow-y: auto;
  }
  .nav-links.open { display: flex; }
  .nav-links > li > a { font-size: 1rem; padding: 12px 16px; }
  .dropdown-menu {
    position: static; padding-top: 0; min-width: 0; display: none;
  }
  .dropdown-menu-inner {
    box-shadow: none; border-top: none;
    background: rgba(255,255,255,0.05);
    border-radius: var(--radius); padding: 4px; margin-top: 4px;
  }
  .dropdown-menu a { color: rgba(255,255,255,0.8); font-size: 0.95rem; }
  .nav-dropdown.open .dropdown-menu { display: block; }
  .nav-cta { text-align: center; margin-top: 8px; }
  .nav-cta-blue { margin-right: 0; margin-top: 8px; }
}

/* ---------- Footer ---------- */
#site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 56px 0 32px; font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr 1fr;
  gap: 32px; margin-bottom: 40px;
}
@media (max-width: 980px) { .footer-grid { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand p { font-size: 0.88rem; line-height: 1.6; max-width: 280px; margin-top: 12px; }
.footer-col h4 {
  color: var(--gold); font-family: var(--font-body); font-weight: 700;
  font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px;
}
.footer-col ul { list-style: none; padding: 0; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,0.7); text-decoration: none; transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold); text-decoration: none; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px;
  display: flex; flex-wrap: wrap; gap: 12px;
  justify-content: space-between; align-items: flex-start;
}
.footer-disclaimer {
  font-size: 0.78rem; line-height: 1.5;
  max-width: 800px; color: rgba(255,255,255,0.45);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; padding: 14px 30px;
  border-radius: 100px; font-family: var(--font-body);
  font-weight: 700; font-size: 0.95rem; cursor: pointer;
  border: 2px solid transparent; transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.2s, border-color 0.2s, color 0.2s;
  text-decoration: none; line-height: 1.2; text-align: center;
}
.btn:active { transform: translateY(1px) scale(0.99); }
.btn-gold { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-gold:hover {
  background: var(--gold-light); border-color: var(--gold-light);
  transform: translateY(-2px); box-shadow: 0 8px 22px rgba(240,185,45,0.38);
  text-decoration: none; color: var(--navy);
}
.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline-white:hover {
  background: rgba(255,255,255,0.1); border-color: var(--white);
  text-decoration: none; color: var(--white);
}
.btn-outline-navy { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: var(--white); text-decoration: none; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(120% 90% at 85% 0%, rgba(40,32,122,0.65) 0%, transparent 55%),
    linear-gradient(165deg, #1A1252 0%, var(--navy) 55%, #100A33 100%);
  color: var(--white);
  padding: 88px 0 64px; position: relative; overflow: hidden;
}
.hero-glow {
  position: absolute; top: -120px; right: -100px;
  width: 620px; height: 620px; pointer-events: none; z-index: 0;
  background: radial-gradient(circle, rgba(240,185,45,0.10) 0%, transparent 65%);
}
.hero::after {
  content: ''; position: absolute; inset: 0; pointer-events: none; z-index: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.022) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.022) 1px, transparent 1px);
  background-size: 56px 56px;
  -webkit-mask-image: radial-gradient(120% 100% at 50% 0%, #000 30%, transparent 80%);
  mask-image: radial-gradient(120% 100% at 50% 0%, #000 30%, transparent 80%);
}
.hero .container { position: relative; z-index: 1; }
.hero-inner {
  display: grid; grid-template-columns: 1.08fr 0.92fr;
  gap: 56px; align-items: center;
}
@media (max-width: 768px) { .hero-inner { grid-template-columns: 1fr; gap: 36px; } }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-body);
  font-size: 0.74rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.14em;
  color: rgba(255,255,255,0.62); margin-bottom: 22px;
  padding: 7px 14px 7px 12px; border-radius: 100px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.09);
}
.hero-eyebrow-dot {
  width: 7px; height: 7px; border-radius: 50%; background: var(--gold);
  box-shadow: 0 0 0 0 rgba(240,185,45,0.6);
  animation: heroPulse 2.6s ease-out infinite;
}
@keyframes heroPulse {
  0%   { box-shadow: 0 0 0 0 rgba(240,185,45,0.5); }
  70%  { box-shadow: 0 0 0 7px rgba(240,185,45,0); }
  100% { box-shadow: 0 0 0 0 rgba(240,185,45,0); }
}

.hero h1 {
  font-family: var(--font-head);
  color: var(--white);
  font-size: clamp(2.3rem, 4.6vw, 3.5rem);
  font-weight: 600;
  line-height: 1.06; letter-spacing: -0.018em;
  margin-bottom: 22px;
}
.hero h1 span {
  color: var(--gold); font-style: italic; font-weight: 500;
}
.hero p {
  color: rgba(255,255,255,0.74); font-size: 1.12rem; line-height: 1.6;
  max-width: 30em; margin-bottom: 30px;
}

.hero-ctas { display: flex; gap: 22px; align-items: center; flex-wrap: wrap; }
.btn-hero-primary { padding: 15px 30px; font-size: 0.98rem; box-shadow: 0 8px 26px rgba(240,185,45,0.30); }
.hero-link {
  display: inline-flex; align-items: center; gap: 7px;
  color: rgba(255,255,255,0.88); font-weight: 600; font-size: 0.98rem;
  text-decoration: none; transition: color 0.2s var(--ease), gap 0.2s var(--ease);
}
.hero-link span { transition: transform 0.2s var(--ease); }
.hero-link:hover { color: var(--gold); }
.hero-link:hover span { transform: translateX(4px); }
@media (max-width: 560px) {
  .hero-ctas { gap: 18px; }
  .btn-hero-primary { width: 100%; text-align: center; }
}

.page-hero {
  background:
    radial-gradient(120% 90% at 85% 0%, rgba(40,32,122,0.55) 0%, transparent 55%),
    linear-gradient(165deg, #1A1252 0%, var(--navy) 60%, #100A33 100%);
  color: var(--white);
  padding: 56px 0; text-align: center;
}
.page-hero h1 { color: var(--white); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; max-width: 640px; margin: 0 auto; }

/* ---------- Cards ---------- */
.card { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); overflow: hidden; }
.card-body { padding: 28px; }

/* Rate Cards */
.rate-card {
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease);
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); padding: 20px 24px;
  position: relative; transition: box-shadow 0.2s;
}
.rate-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.rate-card.top-rate { border-color: var(--gold); border-width: 2px; }
.rate-badge-top {
  position: absolute; top: -1px; right: 20px;
  background: var(--gold); color: var(--navy);
  font-size: 0.72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.08em;
  padding: 4px 10px; border-radius: 0 0 6px 6px;
}
.rate-card-header {
  display: flex; justify-content: space-between;
  align-items: flex-start; gap: 12px; flex-wrap: wrap;
}
.rate-carrier { font-family: var(--font-head); font-size: 1.05rem; font-weight: 700; color: var(--navy); }
.rate-product { font-size: 0.85rem; color: var(--gray-600); margin-top: 2px; }
.rate-big { font-size: 2rem; font-weight: 700; color: var(--green); font-family: var(--font-head); line-height: 1; }
.rate-big-label { font-size: 0.75rem; color: var(--gray-600); margin-top: 2px; }
.rate-secondary { font-size: 0.8rem; color: var(--gray-600); margin-top: 8px; font-weight: 600; }
.rate-secondary span { display: block; font-size: 0.7rem; font-weight: 400; color: var(--gray-500, var(--gray-600)); }
.rate-meta {
  display: flex; gap: 16px; flex-wrap: wrap;
  font-size: 0.85rem; color: var(--gray-600);
  border-top: 1px solid var(--gray-100);
  padding-top: 14px; margin-top: 14px;
}
.rate-meta span strong { color: var(--gray-800); }
.rate-card-details-link {
  display: inline-flex; align-items: center; gap: 5px;
  margin-top: 14px; font-size: 0.86rem; font-weight: 700;
  color: var(--gold-dark, #C8941A); text-decoration: none;
  transition: gap 0.2s ease;
}
.rate-card-details-link:hover { gap: 9px; color: var(--navy); text-decoration: none; }
.am-best-badge {
  display: inline-block; padding: 2px 8px; border-radius: 4px;
  font-size: 0.75rem; font-weight: 700; background: var(--navy); color: var(--white);
}
.card-badge-row { display: flex; gap: 6px; flex-wrap: wrap; margin-top: 8px; }
.tag-bonus, .tag-simple-interest {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 3px 9px; border-radius: 20px;
  font-size: 0.72rem; font-weight: 700;
}
.tag-bonus { background: rgba(240,185,45,0.16); color: var(--gold-dark, #8B6914); border: 1px solid rgba(240,185,45,0.4); }
.tag-simple-interest { background: rgba(192,57,43,0.1); color: #A6382A; border: 1px solid rgba(192,57,43,0.3); }
.flag-note { font-size: 0.78rem; color: var(--gray-600); font-style: italic; margin-top: 8px; }

/* ---------- Rate Tool ---------- */
.rate-tool { padding: 40px 0 60px; }
.rate-filters {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 16px; margin-bottom: 32px;
}
.filter-group label {
  display: block; font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--gray-600); margin-bottom: 6px;
}
.filter-group select, .filter-group input {
  width: 100%; padding: 10px 14px;
  border: 1.5px solid var(--gray-200); border-radius: var(--radius);
  font-family: var(--font-body); font-size: 0.95rem;
  background: var(--white); color: var(--gray-800);
  transition: border-color 0.2s; appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235E5A55' fill='none' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; padding-right: 36px;
}
.filter-group input { background-image: none; padding-right: 14px; }
.filter-group select:focus, .filter-group input:focus { outline: none; border-color: var(--gold); }
#rate-results { display: grid; gap: 16px; }
.rate-disclaimer { font-size: 0.8rem; color: var(--gray-400); margin-top: 24px; padding-top: 16px; border-top: 1px solid var(--gray-200); }
.show-more-wrap { text-align: center; margin-top: 24px; }

/* ---------- Education features ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 1024px) { .feature-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px)  { .feature-grid { grid-template-columns: 1fr; } }
.feature-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100);
}
.feature-icon {
  width: 48px; height: 48px; background: var(--navy); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px; font-size: 1.4rem;
}
.feature-card h3 { margin-bottom: 8px; font-size: 1.1rem; }
.feature-card p { font-size: 0.92rem; color: var(--gray-600); margin: 0; }

/* Steps */
.steps { }
.step-item {
  display: flex; gap: 20px; padding: 24px 0;
  border-bottom: 1px solid var(--gray-100);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0; width: 40px; height: 40px;
  background: var(--navy); color: var(--gold);
  font-family: var(--font-head); font-weight: 700; font-size: 1.1rem;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
}
.step-content h4 { margin-bottom: 6px; font-size: 1rem; }
.step-content p { font-size: 0.92rem; color: var(--gray-600); margin: 0; }

/* Two-col */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 768px) { .two-col { grid-template-columns: 1fr; } }
@media (min-width: 769px) { .two-col.reverse .col-visual { order: -1; } }

/* Comparison table */
.compare-table { width: 100%; border-collapse: collapse; font-size: 0.92rem; }
.compare-table th {
  background: var(--navy); color: var(--white); padding: 12px 16px;
  text-align: left; font-family: var(--font-body); font-weight: 700;
}
.compare-table td { padding: 12px 16px; border-bottom: 1px solid var(--gray-100); }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:nth-child(even) td { background: var(--off-white); }
.compare-table .check { color: var(--green); font-weight: 700; }
.compare-table .cross { color: #c0392b; font-weight: 700; }

/* Highlight box */
.highlight-box { background: var(--navy); color: var(--white); border-radius: var(--radius-lg); padding: 32px 36px; }
.highlight-box h3 { color: var(--gold); margin-bottom: 12px; }
.highlight-box p { color: rgba(255,255,255,0.85); margin: 0; }

/* Callout */
.callout {
  border-left: 4px solid var(--gold); background: var(--off-white);
  border-radius: 0 var(--radius) var(--radius) 0; padding: 20px 24px; margin: 28px 0;
}
.callout p { font-size: 0.95rem; color: var(--gray-800); margin: 0; }
.callout strong { color: var(--navy); }

/* ---------- Calculator ---------- */
.calc-section { background: var(--off-white); border-radius: var(--radius-lg); padding: 40px; }
.calc-inputs { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin-bottom: 28px; }
.calc-field label {
  display: block; font-size: 0.8rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-600); margin-bottom: 6px;
}
.calc-field input, .calc-field select {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-200);
  border-radius: var(--radius); font-family: var(--font-body); font-size: 1rem;
  background: var(--white); color: var(--gray-800);
}
.calc-field input:focus, .calc-field select:focus { outline: none; border-color: var(--gold); }
.calc-results { margin-top: 32px; }
.summary-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin-bottom: 32px; }
.summary-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 20px 24px; box-shadow: var(--shadow-sm); border-top: 3px solid var(--navy);
}
.summary-card.highlight { border-top-color: var(--gold); }
.summary-card .label { font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-600); margin-bottom: 6px; }
.summary-card .value { font-family: var(--font-head); font-size: 1.6rem; font-weight: 700; color: var(--navy); }
.summary-card.highlight .value { color: var(--gold-dark); }
.calc-table-wrap { overflow-x: auto; }
.calc-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }
.calc-table th { background: var(--navy); color: var(--white); padding: 10px 14px; text-align: right; font-weight: 700; }
.calc-table th:first-child { text-align: left; }
.calc-table td { padding: 10px 14px; border-bottom: 1px solid var(--gray-100); text-align: right; }
.calc-table td:first-child { text-align: left; font-weight: 600; }
.calc-table tr:nth-child(even) td { background: var(--off-white); }
.calc-table tr:last-child td { font-weight: 700; background: var(--green-light); color: var(--green); }

/* ---------- Blog ---------- */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 28px; }
.blog-card {
  background: var(--white); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100);
  overflow: hidden; display: flex; flex-direction: column; transition: box-shadow 0.2s;
}
.blog-card:hover { box-shadow: var(--shadow-md); }
.blog-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-card-cat {
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--gold-dark); margin-bottom: 8px;
}
.blog-card h3 { font-size: 1.05rem; margin-bottom: 10px; line-height: 1.35; }
.blog-card h3 a { color: var(--navy); text-decoration: none; }
.blog-card h3 a:hover { color: var(--gold-dark); text-decoration: none; }
.blog-card p { font-size: 0.9rem; color: var(--gray-600); flex: 1; margin-bottom: 16px; }
.blog-card-meta { font-size: 0.8rem; color: var(--gray-400); }

/* Blog post */
.post-content { max-width: 760px; margin: 0 auto; padding: 56px 24px; }
.post-content h2 { margin: 40px 0 16px; }
.post-content h3 { margin: 28px 0 12px; }
.post-content p { font-size: 1rem; line-height: 1.75; margin-bottom: 1.2rem; }
.post-content ul, .post-content ol { margin: 0 0 1.2rem; }
.post-content li { margin-bottom: 6px; font-size: 1rem; line-height: 1.65; }
.post-content .callout { margin: 32px 0; }
.post-meta { font-size: 0.85rem; color: var(--gray-400); margin-bottom: 32px; padding-bottom: 24px; border-bottom: 1px solid var(--gray-100); }

/* ---------- Contact ---------- */
.contact-form-wrap { max-width: 640px; margin: 0 auto; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 0.82rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray-600); margin-bottom: 6px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-200);
  border-radius: var(--radius); font-family: var(--font-body); font-size: 0.95rem;
  background: var(--white); color: var(--gray-800); transition: border-color 0.2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); }
.field textarea { resize: vertical; min-height: 120px; }
.form-success { background: var(--green-light); color: var(--green); border-radius: var(--radius); padding: 16px 20px; font-weight: 600; display: none; }

/* ---------- Stat strip ---------- */
.stat-strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 56px; }
@media (max-width: 720px) { .stat-strip { grid-template-columns: repeat(2, 1fr); } }
.stat-item {
  position: relative; background: rgba(255,255,255,0.025); padding: 22px 20px 24px;
  text-align: left; border-radius: 14px; border: 1px solid rgba(255,255,255,0.08);
  transition: background 0.3s var(--ease), transform 0.3s var(--ease), border-color 0.3s;
  text-decoration: none; display: flex; flex-direction: column; gap: 7px; overflow: hidden;
}
.stat-item::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 2px;
  background: linear-gradient(90deg, var(--gold), transparent);
  transform: scaleX(0); transform-origin: left; transition: transform 0.35s var(--ease);
}
.stat-item:hover { background: rgba(255,255,255,0.05); transform: translateY(-4px); border-color: rgba(240,185,45,0.4); text-decoration: none; }
.stat-item:hover::before { transform: scaleX(1); }
.stat-title { font-family: var(--font-head); font-size: 1.3rem; font-weight: 600; color: var(--white); line-height: 1.15; letter-spacing: -0.01em; }
.stat-sub { font-size: 0.84rem; color: rgba(255,255,255,0.6); line-height: 1.45; }

/* ---------- Breadcrumb ---------- */
.breadcrumb { padding: 12px 0; font-size: 0.82rem; color: var(--gray-400); }
.breadcrumb a { color: var(--gold-dark); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { margin: 0 6px; }

/* ---------- SVG Chart ---------- */
.chart-wrap { background: var(--white); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100); }
.chart-wrap svg { display: block; width: 100%; }

/* ---------- Utilities ---------- */
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-center { text-align: center; }
.text-sm { font-size: 0.875rem; }
.mb-0 { margin-bottom: 0; }
.mb-4 { margin-bottom: 1rem; }
.mb-8 { margin-bottom: 2rem; }
.mt-4 { margin-top: 1rem; }
.mt-8 { margin-top: 2rem; }
.mt-12 { margin-top: 3rem; }
.fw-700 { font-weight: 700; }
.hidden { display: none !important; }
.spinner { width: 36px; height: 36px; border: 3px solid var(--gray-200); border-top-color: var(--navy); border-radius: 50%; animation: spin 0.7s linear infinite; margin: 40px auto; }
.rate-status-msg {
  text-align: center; padding: 48px 24px; color: var(--gray-600);
  font-size: 1.02rem; line-height: 1.6; max-width: 480px; margin: 0 auto;
}
.rate-status-msg a { color: var(--gold-dark, #C8941A); font-weight: 700; }
@keyframes spin { to { transform: rotate(360deg); } }

/* About */
.about-headshot { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; max-width: 400px; }

@media (max-width: 768px) {
  :root { --section-py: 56px; }
  .hero { padding: 56px 0; }
  .calc-section { padding: 24px; }
  .highlight-box { padding: 24px; }
}

/* ---------- Blog Post Tables ---------- */
.table-wrap { overflow-x: auto; margin: 24px 0; }
.table-wrap table { width: 100%; border-collapse: collapse; font-size: 0.92rem; }
.table-wrap th { background: var(--navy); color: var(--white); padding: 11px 16px; text-align: left; font-weight: 700; font-size: 0.88rem; letter-spacing: 0.02em; }
.table-wrap td { padding: 11px 16px; border-bottom: 1px solid var(--gray-100); vertical-align: top; }
.table-wrap tr:last-child td { border-bottom: none; }
.table-wrap tr:nth-child(even) td { background: var(--off-white); }

/* Checklist items */
.checklist-item { list-style: none; padding: 6px 0; font-size: 1rem; }


/* ---------- Social Icons ---------- */
.social-links { display: flex; gap: 12px; margin-top: 16px; flex-wrap: wrap; }
.social-links a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(255,255,255,0.08); color: var(--gold);
  transition: background 0.2s, transform 0.2s;
}
.social-links a:hover { background: var(--gold); color: var(--navy); transform: translateY(-2px); }
.social-links svg { width: 18px; height: 18px; fill: currentColor; }
.social-links--light a { background: var(--gray-100); color: var(--navy); }
.social-links--light a:hover { background: var(--gold); color: var(--navy); }

/* ---------- Testimonials ---------- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 36px;
}
@media (max-width: 900px) { .testimonial-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .testimonial-grid { grid-template-columns: 1fr; } }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 28px 26px;
  display: flex;
  flex-direction: column;
  border-top: 3px solid var(--gold);
}
.section--navy .testimonial-card { background: rgba(255,255,255,0.04); border-top-color: var(--gold); }
.section--navy .testimonial-card p { color: rgba(255,255,255,0.88); }
.section--navy .testimonial-name { color: var(--white); }
.section--navy .testimonial-loc { color: var(--gold-light); }
.testimonial-stars { color: var(--gold); font-size: 1rem; letter-spacing: 2px; margin-bottom: 14px; }
.testimonial-card p {
  font-size: 0.95rem; line-height: 1.6; color: var(--gray-800);
  margin: 0 0 18px; flex-grow: 1; font-style: italic;
}
.testimonial-meta { display: flex; align-items: center; gap: 12px; margin-top: auto; }
.testimonial-avatar {
  width: 40px; height: 40px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy-light), var(--blue));
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-family: var(--font-head); font-size: 1rem;
}
.testimonial-name { font-weight: 700; color: var(--navy); font-size: 0.95rem; line-height: 1.2; }
.testimonial-loc { font-size: 0.82rem; color: var(--gray-600); }
.testimonial-disclaimer { text-align: center; font-size: 0.8rem; color: var(--gray-600); margin-top: 28px; max-width: 640px; margin-left: auto; margin-right: auto; }
.section--navy .testimonial-disclaimer { color: rgba(255,255,255,0.5); }

/* ---------- Hero rate strip ---------- */
.hero-rate-strip {
  margin: 4px 0 30px; display: flex; flex-direction: column; gap: 12px;
  padding: 18px 20px; border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.035);
  border: 1px solid rgba(255,255,255,0.08);
  max-width: fit-content;
}
.hero-rate-label {
  font-size: 0.72rem; color: rgba(255,255,255,0.55); font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.13em;
  display: flex; align-items: center; gap: 8px;
}
.hero-rate-label::before {
  content: ''; width: 6px; height: 6px; border-radius: 50%;
  background: #4ADE80; box-shadow: 0 0 8px rgba(74,222,128,0.7);
}
.hero-rate-pills { display: flex; gap: 10px; flex-wrap: wrap; }
.hero-rate-pill {
  display: inline-flex; flex-direction: column; align-items: center;
  padding: 10px 18px; min-width: 80px;
  border-radius: 12px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(240,185,45,0.22);
  transition: transform 0.25s var(--ease), border-color 0.25s, background 0.25s;
}
.hero-rate-pill:hover { transform: translateY(-2px); border-color: rgba(240,185,45,0.6); background: rgba(240,185,45,0.06); }
.hero-rate-pill .pct { font-family: var(--font-head); font-weight: 600; font-size: 1.75rem; color: var(--gold); line-height: 1; letter-spacing: -0.01em; }
.hero-rate-pill .yr { font-size: 0.68rem; color: rgba(255,255,255,0.55); margin-top: 6px; text-transform: uppercase; letter-spacing: 0.08em; }
@media (max-width: 560px) {
  .hero-rate-strip { max-width: none; }
  .hero-rate-pill { flex: 1 1 calc(50% - 5px); min-width: 0; }
}

/* outline-gold (secondary gold CTA) */
.btn-outline-gold { background: transparent; color: var(--gold); border-color: var(--gold); }
.btn-outline-gold:hover { background: var(--gold); color: var(--navy); transform: translateY(-1px); }

/* ---------- Hero animated radar ---------- */
.hero-visual { display: flex; align-items: center; justify-content: center; }
.radar { position: relative; width: 100%; max-width: 360px; }
.radar-svg { width: 100%; height: auto; display: block; filter: drop-shadow(0 8px 36px rgba(0,0,0,0.4)); border-radius: 50%; }
.radar-sweep { transform-origin: 150px 150px; animation: radarSpin 4s linear infinite; }
@keyframes radarSpin { to { transform: rotate(360deg); } }
.radar .blip { opacity: 0; transform-origin: center; transform-box: fill-box; }
.radar .b1 { animation: blip 4s linear infinite; animation-delay: 0.6s; }
.radar .b2 { animation: blip 4s linear infinite; animation-delay: 2.4s; }
.radar .b3 { animation: blip 4s linear infinite; animation-delay: 1.7s; }
.radar .b4 { animation: blip 4s linear infinite; animation-delay: 3.0s; }
@keyframes blip {
  0%, 8% { opacity: 1; transform: scale(1.35); }
  35% { opacity: 0.25; transform: scale(0.9); }
  100% { opacity: 0; transform: scale(0.9); }
}
.radar-wordmark {
  text-align: center; margin-top: 18px;
  font-family: var(--font-head); font-weight: 700;
  font-size: clamp(1.3rem, 3.2vw, 1.9rem); letter-spacing: 0.08em;
  color: var(--gold); text-shadow: 0 0 18px rgba(240,185,45,0.35);
}
.radar-wordmark span { color: var(--white); }
.radar-tagline {
  text-align: center; margin-top: 8px;
  font-family: var(--font-head); font-style: italic; font-weight: 500;
  font-size: clamp(0.85rem, 1.6vw, 1rem); letter-spacing: 0.01em;
  color: rgba(255,255,255,0.62);
}
@media (prefers-reduced-motion: reduce) {
  .radar-sweep { animation: none; }
  .radar .blip { animation: none; opacity: 0.7; }
}


/* ---------- Polish pass: card interactions & motion ---------- */
.feature-card, .testimonial-card, .blog-card, .summary-card {
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.feature-card:hover, .testimonial-card:hover, .blog-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-lg);
}

/* Gentle fade-up on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* Larger, friendlier section spacing rhythm */
.section-head h2 { letter-spacing: -0.01em; }
.hero-eyebrow, .page-hero-badge, .section-eyebrow { font-feature-settings: "ss01"; }

/* Inputs: warmer focus ring */
input:focus, select:focus, textarea:focus { outline: none; }
.filter-group select:focus, .filter-group input:focus {
  border-color: var(--gold); box-shadow: 0 0 0 3px rgba(240,185,45,0.18);
}


/* ---------- hero radar mobile order ---------- */
@media (max-width: 768px) {
  .hero-inner > div:first-child { order: 1; }
  .hero-visual { order: 2; }
  .radar { max-width: 260px; }
  .radar-wordmark { font-size: 1.25rem; }
}