/* ============================================================
   Family Shield Life Solutions — shared site stylesheet
   ============================================================ */
*, *::before, *::after { box-sizing:border-box; margin:0; padding:0; }
:root {
  --navy:#0d2b4e; --navy2:#0a2240; --teal:#17a398; --teal2:#3dbfae;
  --light:#f7f9fa; --mid:#e6e9ed; --muted:#667085; --white:#fff; --text:#161b26;
  --shadow-sm: 0 1px 2px rgba(13,43,78,.05), 0 1px 6px rgba(13,43,78,.04);
  --shadow-md: 0 8px 24px rgba(13,43,78,.08);
  --shadow-lg: 0 20px 48px rgba(13,43,78,.12);
}
html { scroll-behavior:smooth; }
body { font-family:'Inter',sans-serif; color:var(--text); background:var(--white); line-height:1.7; -webkit-font-smoothing:antialiased; }
a { color:inherit; }
img { max-width:100%; display:block; }

/* ── HEADER / NAV ── */
header.site-header {
  background:var(--white);
  padding:0 32px;
  display:flex; align-items:center; justify-content:space-between;
  border-bottom:1px solid var(--mid);
  position:sticky; top:0; z-index:1000;
  min-height:76px;
}
.nav-logo { height:42px; width:auto; flex-shrink:0; }
.logo-link { display:flex; align-items:center; padding:8px 0; }

.main-nav {
  display:flex; align-items:center; gap:2px;
  list-style:none;
}
.main-nav a {
  display:block; text-decoration:none; color:var(--navy);
  font-size:13px; font-weight:500; letter-spacing:0.2px;
  padding:10px 16px; border-radius:6px; transition:background .2s,color .2s;
  white-space:nowrap;
}
.main-nav a:hover, .main-nav a.active { color:var(--teal); background:var(--light); }

.nav-right { display:flex; align-items:center; gap:16px; }
.btn-header {
  background:var(--navy); color:#fff; text-decoration:none;
  padding:11px 22px; border-radius:7px; font-size:13px; font-weight:600;
  letter-spacing:.2px; transition:background .2s, transform .15s; white-space:nowrap;
}
.btn-header:hover { background:var(--teal); transform:translateY(-1px); }

.hamburger {
  display:none; background:none; border:none; cursor:pointer; padding:8px;
  flex-shrink:0;
}
.hamburger svg { display:block; }

@media (max-width:980px) {
  .main-nav {
    display:none;
    position:absolute; top:76px; left:0; right:0;
    background:var(--white); flex-direction:column; align-items:stretch;
    padding:10px; gap:2px; box-shadow:var(--shadow-lg);
    border:1px solid var(--mid); border-top:none;
  }
  .main-nav.open { display:flex; }
  .main-nav a { padding:14px 16px; border-radius:6px; }
  .hamburger { display:flex; }
  .btn-header { padding:9px 16px; font-size:12px; }
}

@media (max-width:640px) {
  header.site-header { padding:0 16px; min-height:64px; }
  .nav-logo { height:34px; }
  .btn-header { padding:8px 12px; font-size:11.5px; }
  .nav-right { gap:10px; }
  .main-nav { top:64px; }
}

@media (max-width:420px) {
  .btn-header { display:none; }
}

/* ── GENERIC LAYOUT ── */
.section-inner { max-width:1120px; margin:0 auto; padding:0 32px; }
section { padding:96px 0; }
@media (max-width:640px) {
  .section-inner { padding:0 20px; }
  section { padding:56px 0; }
}
.section-label {
  font-size:11.5px; font-weight:600; letter-spacing:2.5px; text-transform:uppercase;
  color:var(--teal); margin-bottom:14px; display:flex; align-items:center; gap:10px;
}
.section-label::before { content:''; display:inline-block; width:28px; height:2px; background:var(--teal); border-radius:2px; }
.section-title {
  font-family:'Playfair Display',serif; font-weight:700; color:var(--navy);
  font-size:clamp(28px,3.2vw,40px); line-height:1.22; margin-bottom:18px; letter-spacing:-.3px;
}
.section-subtitle { font-size:16.5px; color:var(--muted); max-width:620px; line-height:1.8; font-weight:400; margin-bottom:8px; }

/* ── HERO ── */
.hero {
  background:var(--navy2);
  color:#fff; text-align:center; padding:120px 24px 100px; position:relative; overflow:hidden;
}
.hero-photo-grid { position:absolute; inset:0; z-index:0; display:flex; }
.hero-photo {
  flex:1; background-size:cover; background-position:center;
  opacity:.32; filter:grayscale(25%);
}
.hero::before {
  content:''; position:absolute; inset:0; z-index:1; pointer-events:none;
  background:linear-gradient(160deg, rgba(10,34,64,.92) 0%, rgba(13,43,78,.88) 55%, rgba(21,58,99,.85) 100%);
}
.hero::after {
  content:''; position:absolute; inset:0; z-index:2; pointer-events:none;
  background:radial-gradient(700px 400px at 50% -10%, rgba(61,191,174,.16), transparent 70%);
}
.hero h1 {
  font-family:'Playfair Display',serif; font-weight:700;
  font-size:clamp(30px,4.4vw,48px); line-height:1.24; margin-bottom:20px;
  max-width:760px; margin-inline:auto; letter-spacing:-.5px; position:relative; z-index:3;
}
.hero h1 em { color:var(--teal2); font-style:normal; }
.hero p.hero-sub { font-size:17px; color:rgba(255,255,255,.75); max-width:560px; margin:0 auto 34px; font-weight:400; position:relative; z-index:3; }
.hero-ctas { display:flex; gap:14px; justify-content:center; flex-wrap:wrap; position:relative; z-index:3; }

.page-hero {
  background:linear-gradient(160deg,var(--navy2) 0%,var(--navy) 55%,#153a63 100%);
  padding:64px 24px; color:#fff;
}
.page-hero-inner { max-width:1120px; margin:0 auto; }
.breadcrumb { font-size:12px; color:var(--teal2); letter-spacing:.5px; margin-bottom:16px; }
.breadcrumb a { color:var(--teal2); text-decoration:none; opacity:.75; }
.breadcrumb a:hover { opacity:1; }
.breadcrumb span { opacity:.5; margin:0 6px; }
.page-hero h1 { font-family:'Playfair Display',serif; font-size:clamp(28px,3.6vw,42px); font-weight:700; margin-bottom:14px; letter-spacing:-.4px; }
.page-hero p { font-size:16px; color:rgba(255,255,255,.75); max-width:640px; font-weight:400; line-height:1.75; }

/* ── BUTTONS ── */
.btn-primary {
  display:inline-block; background:var(--teal); color:#fff;
  padding:16px 32px; border-radius:8px; text-decoration:none;
  font-size:14.5px; font-weight:700; letter-spacing:.2px; border:none; cursor:pointer;
  box-shadow:0 8px 20px rgba(23,163,152,.28);
  transition:background .2s, transform .15s, box-shadow .2s;
}
.btn-primary:hover { background:#129184; transform:translateY(-2px); box-shadow:0 12px 28px rgba(23,163,152,.34); }
.btn-secondary {
  display:inline-block; background:transparent; color:#fff;
  padding:15px 30px; border-radius:8px; text-decoration:none;
  font-size:14.5px; font-weight:600; letter-spacing:.2px;
  border:1.5px solid rgba(255,255,255,.35);
  transition:all .2s;
}
.btn-secondary:hover { background:rgba(255,255,255,.08); border-color:#fff; }
.btn-outline-navy {
  display:inline-block; background:transparent; color:var(--navy);
  padding:13px 26px; border-radius:8px; text-decoration:none;
  font-size:14px; font-weight:600; border:1.5px solid var(--mid);
  transition:all .2s;
}
.btn-outline-navy:hover { border-color:var(--teal); color:var(--teal); background:var(--light); }

/* ── FEATURE / CARD GRIDS ── */
.grid-3 { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.grid-2 { display:grid; grid-template-columns:repeat(2,1fr); gap:40px; }
@media (max-width:800px) { .grid-3, .grid-2 { grid-template-columns:1fr; } }

.info-card {
  background:var(--white); border:1px solid var(--mid); border-radius:12px;
  padding:32px 28px; text-align:left; box-shadow:var(--shadow-sm);
  transition:box-shadow .25s, transform .25s, border-color .25s;
  display:flex; flex-direction:column; height:100%;
}
.info-card:hover { box-shadow:var(--shadow-md); transform:translateY(-3px); border-color:#d7dee6; }
.info-card-icon {
  width:48px; height:48px; margin-bottom:18px;
  display:flex; align-items:center; justify-content:center;
  border-radius:12px; background:rgba(23,163,152,.09);
}
.info-card h3 { font-family:'Playfair Display',serif; font-size:19px; color:var(--navy); margin-bottom:10px; letter-spacing:-.2px; }
.info-card p { font-size:14.5px; color:var(--muted); line-height:1.75; }
.info-card > a.btn-outline-navy { margin-top:auto; align-self:flex-start; }
.info-card p { margin-bottom:6px; }

/* ── NUMBERED STEP CARDS ── */
.step-number {
  width:44px; height:44px; margin-bottom:18px;
  display:flex; align-items:center; justify-content:center;
  border-radius:50%; background:var(--navy); color:#fff;
  font-family:'Playfair Display',serif; font-size:19px; font-weight:700;
  flex-shrink:0;
}
.step-card { position:relative; }

.bg-light { background:var(--light); }
.bg-card { background:var(--white); border-top:1px solid var(--mid); border-bottom:1px solid var(--mid); }

.cta-band { background:var(--light); text-align:center; padding:80px 24px; border-top:1px solid var(--mid); border-bottom:1px solid var(--mid); }
.cta-band h2 { font-family:'Playfair Display',serif; font-size:clamp(24px,2.8vw,32px); color:var(--navy); margin-bottom:16px; letter-spacing:-.3px; }
.cta-band p { font-size:15.5px; color:var(--muted); margin-bottom:30px; max-width:560px; margin-inline:auto; }

/* ── DISCLOSURE / NOTICE TEXT ── */
.disclosure-box {
  font-size:13px; color:var(--muted); line-height:1.7;
  margin:18px 0;
}
.disclosure-box.small { font-size:12px; }
.disclosure-box strong { color:var(--navy); }

/* ── SMS / TEXT CONSENT CHECKBOX ── */
.consent-row {
  display:flex; align-items:flex-start; gap:10px;
  margin:14px 0; padding:12px 14px;
  background:var(--light); border:1px solid var(--mid); border-radius:8px;
}
.consent-row input[type="checkbox"] {
  margin-top:2px; width:16px; height:16px; flex-shrink:0; cursor:pointer;
  accent-color: var(--teal, #17a398);
}
.consent-row label {
  font-size:12px; color:var(--muted); line-height:1.6; cursor:pointer;
}
.consent-row label a { color:var(--navy); }

.prose { font-size:16px; color:#333c47; line-height:1.9; max-width:800px; }
.prose h2 { font-family:'Playfair Display',serif; color:var(--navy); font-size:23px; margin:40px 0 14px; letter-spacing:-.2px; }
.prose h2:first-child { margin-top:0; }
.prose p { margin-bottom:18px; }
.prose ul { margin:0 0 18px 20px; }
.prose li { margin-bottom:10px; }

/* ── QUICK-FACT STAT ROW ── */
.stat-row { display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin:28px 0 48px; }
.stat-item {
  background:var(--light); border-radius:12px; padding:24px 20px; text-align:center;
  border-top:3px solid var(--teal);
}
.stat-item .stat-num {
  font-family:'Playfair Display',serif; font-size:21px; font-weight:700; color:var(--navy);
  margin-bottom:6px; line-height:1.2;
}
.stat-item .stat-label { font-size:12px; color:var(--muted); text-transform:uppercase; letter-spacing:.4px; font-weight:600; line-height:1.5; }
@media (max-width:700px) { .stat-row { grid-template-columns:1fr 1fr; } }
@media (max-width:420px) { .stat-row { grid-template-columns:1fr; } }

/* ── ICON FEATURE GRID (replaces plain bullet lists) ── */
.feature-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:16px; margin:24px 0 32px; }
.feature-card {
  background:var(--white); border:1px solid var(--mid); border-radius:12px;
  padding:20px 22px; display:flex; gap:14px; align-items:flex-start;
  box-shadow:var(--shadow-sm);
}
.feature-card-icon {
  width:36px; height:36px; border-radius:10px; background:rgba(23,163,152,.1);
  display:flex; align-items:center; justify-content:center; flex-shrink:0; margin-top:2px;
}
.feature-card p { font-size:14.5px; color:#333c47; line-height:1.7; margin:0; }
.feature-card p strong { color:var(--navy); }
.feature-grid.cols-3 { grid-template-columns:repeat(3,1fr); }
@media (max-width:900px) { .feature-grid.cols-3 { grid-template-columns:1fr; } }
@media (max-width:700px) { .feature-grid { grid-template-columns:1fr; } }

/* ── LEGAL PAGE LAYOUT (TOC + PROSE) ── */
.legal-layout { display:grid; grid-template-columns:210px 1fr; gap:56px; align-items:start; }
.legal-toc { position:sticky; top:96px; }
.legal-toc-label {
  font-size:11px; font-weight:700; letter-spacing:1.5px; text-transform:uppercase;
  color:var(--teal); margin-bottom:14px;
}
.legal-toc a {
  display:block; font-size:13.5px; color:var(--muted); text-decoration:none;
  padding:7px 0 7px 14px; border-left:2px solid var(--mid);
  transition:color .2s, border-color .2s;
}
.legal-toc a:hover { color:var(--navy); border-left-color:var(--teal); }
@media (max-width:900px) {
  .legal-layout { grid-template-columns:1fr; }
  .legal-toc {
    position:static; display:flex; flex-wrap:wrap; gap:6px 18px;
    margin-bottom:32px; padding-bottom:20px; border-bottom:1px solid var(--mid);
  }
  .legal-toc-label { width:100%; margin-bottom:4px; }
  .legal-toc a { padding:4px 0; border-left:none; }
}

/* ── FORMS ── */
.form-card { background:#fff; border:1px solid var(--mid); border-radius:14px; padding:36px; box-shadow:var(--shadow-md); }
.field-row { display:grid; gap:16px; margin-bottom:16px; }
.field-row.cols-2 { grid-template-columns:1fr 1fr; }
@media (max-width:560px) { .field-row.cols-2 { grid-template-columns:1fr; } }
.field label { display:block; font-size:11.5px; font-weight:600; letter-spacing:.4px; text-transform:uppercase; color:var(--navy); margin-bottom:7px; }
.field input, .field select, .field textarea {
  width:100%; padding:12px 14px; border:1.5px solid var(--mid); border-radius:8px;
  font-family:'Inter',sans-serif; font-size:14px; color:var(--text); background:#fff;
  transition:border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline:none; border-color:var(--teal); box-shadow:0 0 0 3px rgba(23,163,152,.12);
}
.field textarea { resize:vertical; min-height:90px; }

.field-error { display:block; font-size:12px; color:#c0392b; margin-top:5px; }

.form-alert {
  border-radius:8px; padding:14px 16px; font-size:13.5px; line-height:1.6;
  margin-bottom:18px;
}
.form-alert-success { background:rgba(23,163,152,.1); border:1px solid rgba(23,163,152,.3); color:#0e6b62; }
.form-alert-error { background:rgba(192,57,43,.08); border:1px solid rgba(192,57,43,.25); color:#a5342a; }
.form-alert:empty { display:none; padding:0; margin:0; border:none; }

/* ── FOOTER ── */
footer.site-footer { background:var(--navy2); color:rgba(255,255,255,.55); padding:52px 24px 32px; }
.footer-inner { max-width:1120px; margin:0 auto; text-align:center; }
.footer-brand { font-family:'Playfair Display',serif; font-size:17px; font-weight:600; color:rgba(255,255,255,0.92); margin-bottom:6px; letter-spacing:-.2px; }
.footer-links { display:flex; gap:22px; justify-content:center; flex-wrap:wrap; margin:18px 0; font-size:12.5px; }
.footer-links a { color:rgba(255,255,255,.65); text-decoration:none; transition:color .2s; }
.footer-links a:hover { color:#fff; }
.footer-line { width:36px; height:1px; background:rgba(23,163,152,.4); margin:18px auto; }
.footer-disclosure { font-size:11px; color:rgba(255,255,255,.45); line-height:1.85; max-width:900px; margin:0 auto 16px; }
.footer-copy { font-size:11px; color:rgba(255,255,255,.4); margin-top:8px; }
footer.site-footer a.inline-link { color:rgba(255,255,255,.55); text-decoration:underline; }
footer.site-footer a.inline-link:hover { color:#fff; }

/* ── SEQUENCE OF RETURNS RISK TOOL ── */
.sor-card {
  margin-top:36px; background:#fff; border:1px solid var(--mid); border-radius:16px;
  box-shadow:var(--shadow-md); overflow:hidden;
}
.sor-controls-bar {
  display:flex; align-items:flex-end; gap:22px; flex-wrap:wrap;
  padding:26px 28px; background:var(--light); border-bottom:1px solid var(--mid);
}
.sor-field { flex:1 1 200px; min-width:170px; }
.sor-field label {
  display:block; font-size:11px; font-weight:700; letter-spacing:.5px; text-transform:uppercase;
  color:var(--navy); margin-bottom:8px;
}
.sor-input-wrap { position:relative; }
.sor-input-wrap .sor-prefix {
  position:absolute; left:14px; top:50%; transform:translateY(-50%);
  color:var(--muted); font-weight:600; font-size:14px; pointer-events:none;
}
.sor-input-wrap input {
  width:100%; padding:12px 14px 12px 28px; border:1.5px solid var(--mid); border-radius:8px;
  font-family:'Inter',sans-serif; font-size:15px; font-weight:600; color:var(--navy); background:#fff;
  transition:border-color .2s, box-shadow .2s;
}
.sor-input-wrap input:focus {
  outline:none; border-color:var(--teal); box-shadow:0 0 0 3px rgba(23,163,152,.12);
}
.sor-btn-row { display:flex; gap:10px; flex-wrap:wrap; margin-left:auto; }
.sor-btn-row .btn-outline-navy {
  cursor:pointer; font-family:inherit; background:#fff; font-size:13px; padding:11px 20px;
}
.sor-chart-wrap { padding:28px 26px 8px; }
.sor-results { display:grid; grid-template-columns:1fr 1fr; gap:16px; padding:6px 26px 26px; }
.sor-result-card {
  display:flex; gap:14px; align-items:flex-start; border-radius:12px; padding:18px 20px;
  border:1px solid rgba(23,163,152,.25);
}
.sor-result-card .sor-dot {
  width:11px; height:11px; border-radius:50%; margin-top:5px; flex-shrink:0;
}
.sor-result-neg { background:rgba(192,57,43,.06); border-color:rgba(192,57,43,.22); }
.sor-result-neg .sor-dot { background:#c0392b; }
.sor-result-neg .sor-result-value, .sor-result-neg .sor-result-status { color:#a5342a; }
.sor-result-pos { background:rgba(23,163,152,.07); border-color:rgba(23,163,152,.25); }
.sor-result-pos .sor-dot { background:var(--teal); }
.sor-result-pos .sor-result-value, .sor-result-pos .sor-result-status { color:#0e6b62; }
.sor-result-label { font-size:12px; font-weight:600; letter-spacing:.2px; color:var(--muted); margin-bottom:6px; line-height:1.5; }
.sor-result-value { font-family:'Playfair Display',serif; font-size:26px; font-weight:700; line-height:1.15; }
.sor-result-status { font-size:13px; font-weight:600; margin-top:4px; }
.sor-details {
  font-size:13.5px; color:var(--muted); padding:0 26px 26px; border-top:1px solid var(--mid);
  margin-top:0;
}
.sor-details summary {
  cursor:pointer; color:var(--navy); font-weight:600; padding:18px 0 4px; list-style:none;
}
.sor-details summary::-webkit-details-marker { display:none; }
.sor-details summary::before { content:'+ '; color:var(--teal); font-weight:700; }
.sor-details[open] summary::before { content:'\2212 '; }
.sor-details-note { font-size:12.5px; color:var(--muted); margin-top:12px; font-style:italic; }
.sor-sequence-table { display:grid; grid-template-columns:repeat(5,1fr); gap:6px; margin-top:14px; }
.sor-seq-cell {
  background:var(--light); border-radius:6px; padding:8px 6px; text-align:center;
  font-size:12px; color:#333c47; font-weight:600;
}
.sor-seq-cell .yr { display:block; color:var(--muted); font-size:10.5px; text-transform:uppercase; letter-spacing:.3px; margin-bottom:2px; font-weight:600; }
.sor-seq-cell.neg { color:#a5342a; }
.sor-seq-cell.pos { color:#0e6b62; }
@media (max-width:700px) {
  .sor-sequence-table { grid-template-columns:repeat(3,1fr); }
  .sor-controls-bar { padding:20px; }
  .sor-chart-wrap { padding:20px 16px 4px; }
  .sor-results { grid-template-columns:1fr; padding:6px 16px 20px; }
  .sor-details { padding:0 16px 20px; }
  .sor-btn-row { margin-left:0; width:100%; }
  .sor-btn-row .btn-outline-navy { flex:1; }
}
@media (max-width:420px) {
  .sor-sequence-table { grid-template-columns:repeat(2,1fr); }
}

/* ── MOBILE REFINEMENTS ── */
@media (max-width:640px) {
  .hero { padding:72px 20px 56px; }
  .hero p.hero-sub { font-size:15.5px; margin-bottom:26px; }
  .hero-ctas { gap:12px; }
  .hero-ctas a { width:100%; text-align:center; }

  .page-hero { padding:40px 20px; }
  .page-hero p { font-size:14.5px; }

  .section-subtitle { font-size:15px; }

  .grid-2 { gap:24px; }
  .info-card { padding:24px 20px; }
  .info-card:hover { transform:none; }

  .cta-band { padding:56px 20px; }
  .cta-band .btn-primary { width:100%; }

  .form-card { padding:24px 20px; }

  footer.site-footer { padding:40px 20px 24px; }
  .footer-links { gap:14px 18px; }
}