/* Annual Policy Review — Life Insurance Awareness Month 2026
   Palette: Logo Blue, Blueberry, Aqua, Shamrock, Pumpkin.
   Distinctive pairing: Source Serif 4 + Source Sans 3.
   Not a LIMRA clone (no Futura/Roboto lockup). Not Life Approved teal/coral. */
:root {
  --logo-blue: #005F9F;
  --blueberry: #00427C;
  --aqua: #1C8094;
  --shamrock: #007B4E;
  --pumpkin: #ED8C00;
  --navy: #0B3A5B;
  --navy-deep: #082C45;
  --ink: #1A2B3A;
  --paper: #F7F3EA;
  --paper-deep: #EFE8D8;
  --white: #FFFFFF;
  --gray-50: #F6F7F4;
  --gray-100: #ECEEE8;
  --gray-200: #D7DCD4;
  --gray-500: #5C6B73;
  --gray-600: #44535B;
  --gray-700: #314047;
  --radius: 0.85rem;
  --radius-xl: 1.25rem;
  --shadow-sm: 0 1px 2px rgba(8, 44, 69, 0.06);
  --shadow: 0 8px 28px rgba(8, 44, 69, 0.08);
  --shadow-lg: 0 16px 48px rgba(8, 44, 69, 0.14);
  --font-serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-sans: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  --max: 1120px;
  --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--logo-blue); text-decoration: none; }
a:hover { color: var(--blueberry); text-decoration: underline; }
h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--blueberry);
  line-height: 1.18;
  font-weight: 600;
  margin: 0 0 .75rem;
}
h1 { font-size: clamp(2.15rem, 5vw, 3.4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.25rem); }
h3 { font-size: 1.28rem; font-family: var(--font-sans); font-weight: 700; color: var(--navy); }
p { margin: 0 0 1rem; }
ul { margin: 0 0 1rem; padding-left: 1.25rem; }
.container { width: min(100% - 2rem, var(--max)); margin-inline: auto; }
.section { padding: 4.25rem 0; }
.section--paper { background: var(--paper); }
.section--navy { background: var(--navy-deep); color: #c9d8e4; }
.section--navy h2, .section--navy h3 { color: var(--white); }
.section--aqua {
  background: linear-gradient(180deg, #e7f4f6 0%, var(--white) 100%);
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: var(--font-sans);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--aqua);
  margin-bottom: .75rem;
}
.eyebrow::before {
  content: "";
  width: 1.35rem;
  height: 2px;
  background: var(--pumpkin);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .45rem;
  padding: .85rem 1.4rem;
  border-radius: 4px;
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: .95rem;
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: transform .15s, background .2s, box-shadow .2s, color .2s, border-color .2s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn--pumpkin {
  background: var(--pumpkin);
  color: var(--white);
  box-shadow: 0 6px 18px rgba(237, 140, 0, 0.28);
}
.btn--pumpkin:hover { background: #d47c00; color: var(--white); }
.btn--navy {
  background: var(--blueberry);
  color: var(--white);
}
.btn--navy:hover { background: var(--logo-blue); color: var(--white); }
.btn--outline {
  background: transparent;
  border-color: rgba(255,255,255,.45);
  color: var(--white);
}
.btn--outline:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: var(--white); }
.btn--outline-navy {
  background: transparent;
  border-color: var(--blueberry);
  color: var(--blueberry);
}
.btn--outline-navy:hover { background: var(--blueberry); color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.4rem; }

.chip {
  display: inline-flex;
  align-items: center;
  padding: .35rem .8rem;
  border-radius: 3px;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .02em;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.22);
  color: #e8f0f6;
}
.chip--paper {
  background: var(--paper);
  border-color: var(--paper-deep);
  color: var(--navy);
}
.trust-row { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 1.4rem; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 243, 234, .94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--paper-deep);
  height: var(--header-h);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  gap: .75rem;
}
.logo {
  display: flex;
  align-items: center;
  gap: .6rem;
  text-decoration: none;
  color: var(--blueberry);
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: 1.05rem;
  letter-spacing: -0.015em;
  line-height: 1.15;
}
.logo:hover { color: var(--blueberry); text-decoration: none; }
.logo-mark {
  width: 38px;
  height: 38px;
  border-radius: 6px;
  background: linear-gradient(160deg, var(--blueberry) 0%, var(--logo-blue) 55%, var(--aqua) 100%);
  display: grid;
  place-items: center;
  color: white;
  font-family: var(--font-serif);
  font-size: .72rem;
  font-weight: 700;
  flex-shrink: 0;
}
.logo small {
  display: block;
  font-family: var(--font-sans);
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--aqua);
}
.nav { display: flex; align-items: center; gap: .85rem; flex-wrap: wrap; justify-content: flex-end; }
.nav a {
  color: var(--gray-700);
  font-weight: 600;
  font-size: .82rem;
  text-decoration: none;
  white-space: nowrap;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--blueberry); text-decoration: none; }
.nav a[aria-current="page"] { box-shadow: 0 2px 0 var(--pumpkin); }
.nav-cta { margin-left: .15rem; white-space: nowrap; font-size: .8rem !important; padding: .55rem .9rem; }
.nav-toggle {
  display: none;
  background: none;
  border: none;
  padding: .5rem;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--blueberry);
  margin: 5px 0;
}

@media (max-width: 1100px) {
  .nav-toggle { display: block; }
  .nav {
    position: fixed;
    inset: var(--header-h) 0 auto 0;
    background: var(--paper);
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 1.25rem 1.5rem;
    gap: 0;
    border-bottom: 1px solid var(--paper-deep);
    box-shadow: var(--shadow);
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a {
    padding: .8rem 0;
    border-bottom: 1px solid var(--paper-deep);
    white-space: normal;
  }
  .nav-cta { margin: .75rem 0 0; text-align: center; }
}

/* Hero */
.hero {
  position: relative;
  background:
    radial-gradient(ellipse 70% 55% at 90% 10%, rgba(28,128,148,.28), transparent 55%),
    radial-gradient(ellipse 40% 40% at 8% 90%, rgba(237,140,0,.12), transparent 50%),
    linear-gradient(165deg, var(--navy-deep) 0%, var(--blueberry) 58%, #003a6b 100%);
  color: #d5e3ee;
  padding: 4.25rem 0 4.75rem;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 2.75rem;
  align-items: center;
}
.hero h1 { color: var(--white); margin-bottom: 1.1rem; }
.hero-lead { font-size: 1.12rem; color: #c3d4e2; max-width: 38rem; }
.core-line {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  color: #f3e6c8;
  border-left: 3px solid var(--pumpkin);
  padding-left: 1rem;
  margin: 1.25rem 0 0;
  max-width: 36rem;
}
.theme-note {
  font-size: .9rem;
  color: #9db4c6;
  margin-top: 1rem;
}
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 1.7rem;
  box-shadow: var(--shadow-lg);
  color: var(--ink);
  border-top: 4px solid var(--pumpkin);
}
.hero-card h2 {
  font-family: var(--font-sans);
  font-size: 1.12rem;
  font-weight: 800;
  color: var(--blueberry);
  margin-bottom: .35rem;
}
.hero-card .sub { font-size: .9rem; color: var(--gray-500); margin-bottom: 1.1rem; }
.contact-stack { display: grid; gap: .45rem; font-weight: 600; }
.contact-stack a { color: var(--logo-blue); text-decoration: none; }
.contact-stack a:hover { text-decoration: underline; }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
}

/* Stat cards */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 1rem;
}
.stat-card {
  background: var(--white);
  border: 1px solid var(--paper-deep);
  border-radius: var(--radius);
  padding: 1.25rem 1.1rem;
  box-shadow: var(--shadow-sm);
}
.stat-card .num {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: var(--blueberry);
  line-height: 1;
  margin-bottom: .55rem;
  font-weight: 700;
}
.stat-card.accent .num { color: var(--pumpkin); }
.stat-card.green .num { color: var(--shamrock); }
.stat-card.aqua .num { color: var(--aqua); }
.stat-card p { font-size: .88rem; color: var(--gray-600); margin: 0; }
.stat-source {
  font-size: .8rem;
  color: var(--gray-500);
  margin-top: 1.25rem;
}
.stat-more {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1rem;
}
@media (max-width: 1000px) {
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .stat-more { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .stat-grid, .stat-more { grid-template-columns: 1fr; }
}

/* Cards / teasers */
.teaser-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 1.6rem;
  box-shadow: var(--shadow);
  border: 1px solid rgba(11, 58, 91, .06);
  height: 100%;
}
.card h3 { margin-bottom: .5rem; }
.card p { color: var(--gray-600); font-size: .95rem; }
.card a.more { font-weight: 700; color: var(--logo-blue); }
@media (max-width: 800px) { .teaser-grid { grid-template-columns: 1fr; } }

/* FAQ */
.faq-list { display: grid; gap: .7rem; max-width: 760px; }
.faq-item {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  overflow: hidden;
}
.faq-item summary {
  padding: 1.1rem 1.3rem;
  font-weight: 700;
  color: var(--blueberry);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--pumpkin); font-size: 1.3rem; font-weight: 400; }
.faq-item[open] summary::after { content: "−"; }
.faq-item .faq-body { padding: 0 1.3rem 1.2rem; color: var(--gray-600); }

/* Forms */
.form-grid { display: grid; gap: .85rem; }
.form-grid label {
  display: grid;
  gap: .35rem;
  font-size: .85rem;
  font-weight: 600;
  color: var(--navy);
}
.form-grid input, .form-grid textarea {
  padding: .75rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: .5rem;
  font-family: inherit;
  font-size: 1rem;
  background: var(--gray-50);
}
.form-grid input:focus, .form-grid textarea:focus {
  outline: none;
  border-color: var(--aqua);
  box-shadow: 0 0 0 3px rgba(28,128,148,.18);
  background: var(--white);
}
.form-note { font-size: .78rem; color: var(--gray-500); line-height: 1.5; margin: 0; }
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; }
@media (max-width: 520px) { .form-row-2 { grid-template-columns: 1fr; } }
.consent {
  display: flex !important;
  align-items: flex-start;
  gap: .6rem;
  font-weight: 500 !important;
  grid-template-columns: none !important;
}
.consent input { margin-top: .2rem; width: auto; }

/* Page hero */
.page-hero {
  background: linear-gradient(160deg, var(--navy-deep), var(--blueberry) 72%);
  color: #c5d4e6;
  padding: 3.25rem 0 2.75rem;
}
.page-hero h1 { color: var(--white); }
.page-hero .lead { max-width: 42rem; font-size: 1.08rem; }

/* Article */
.article { max-width: 740px; margin: 0 auto; padding: 3rem 0 4rem; }
.article .meta-bar {
  display: flex;
  flex-wrap: wrap;
  gap: .6rem 1.2rem;
  font-size: .85rem;
  color: var(--gray-500);
  margin-bottom: 1.75rem;
  padding-bottom: 1.1rem;
  border-bottom: 1px solid var(--gray-200);
}
.article h2 { margin-top: 2.1rem; font-size: 1.5rem; }
.article h3 { margin-top: 1.6rem; }
.article .exec {
  background: var(--paper);
  border-left: 3px solid var(--aqua);
  padding: 1.1rem 1.25rem;
  margin: 0 0 1.75rem;
  border-radius: 0 var(--radius) var(--radius) 0;
}
.guide-cta {
  background: var(--navy-deep);
  color: #c9d8e4;
  padding: 1.75rem 1.6rem;
  border-radius: var(--radius);
  margin-top: 2.5rem;
}
.guide-cta h2, .guide-cta strong { color: var(--white); }
.guide-cta .cta-line {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: #f3e6c8;
  display: block;
  margin-bottom: .75rem;
}

/* Bio */
.bio-grid {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 2.5rem;
  align-items: start;
}
.bio-photo {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/5;
  background: var(--navy);
}
.bio-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
@media (max-width: 760px) {
  .bio-grid { grid-template-columns: 1fr; }
  .bio-photo { max-width: 260px; }
}

/* Calendar */
.cal-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(16.5rem, 1fr));
  gap: 1rem;
}
.cal-card {
  background: var(--white);
  border: 1px solid var(--paper-deep);
  border-radius: var(--radius);
  padding: 1.15rem 1.2rem;
  min-height: 100%;
  display: flex;
  flex-direction: column;
  gap: .4rem;
}
.cal-card.star {
  border-color: var(--pumpkin);
  box-shadow: 0 0 0 1px rgba(237,140,0,.25);
}
.cal-card .dow { font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--aqua); }
.cal-card h3 { font-size: 1.05rem; margin: 0; }
.cal-card p { font-size: .88rem; color: var(--gray-600); margin: 0; flex: 1; }
.star-badge {
  display: inline-block;
  background: rgba(237,140,0,.15);
  color: #a05e00;
  font-size: .68rem;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: .15rem .45rem;
  border-radius: 3px;
}

/* Scripts */
.script-block {
  background: var(--paper);
  border-radius: var(--radius);
  padding: 1.4rem 1.5rem;
  margin-bottom: 1.25rem;
  border-left: 3px solid var(--logo-blue);
}
.script-block h2 { font-size: 1.25rem; margin-top: 0; }
.spoken {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  color: var(--navy);
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: #9bb0c9;
  padding: 3.25rem 0 1.75rem;
  font-size: .9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
.site-footer h4 {
  font-family: var(--font-sans);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1rem;
}
.site-footer a { color: #9bb0c9; }
.site-footer a:hover { color: #f3d39a; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: .45rem; }
.footer-brand .logo { color: var(--white); margin-bottom: .7rem; }
.footer-brand p { font-size: .875rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 1.4rem;
  font-size: .8rem;
  line-height: 1.55;
  color: #8aa0b6;
}
.footer-last {
  color: #d5e0ea;
  margin-top: .85rem;
  font-size: .8rem;
}
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }

.cta-band {
  background: linear-gradient(120deg, var(--blueberry) 0%, var(--navy) 55%, #0a4d58 100%);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  color: #c8d8ea;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.4rem;
}
.cta-band h2 { color: var(--white); margin-bottom: .45rem; font-size: clamp(1.4rem, 3vw, 1.9rem); }
.cta-band p { margin: 0; max-width: 32rem; }

.disclaimer {
  background: var(--paper);
  border-left: 3px solid var(--aqua);
  padding: 1rem 1.2rem;
  font-size: .85rem;
  color: var(--gray-600);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 2rem 0 0;
}

.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}
.prose-wide { max-width: 760px; }
.split-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
@media (max-width: 800px) { .split-2 { grid-template-columns: 1fr; } }