/* ═══════════════════════════════════════════════════════════════
   Securities by Smith — v1
   Tokens are lifted verbatim from the brand book (templates/brand-deck).
   Navy carries authority, gold carries action. Two background values
   only: grey page, white panels.
   ═══════════════════════════════════════════════════════════════ */

:root{
  /* navy */
  --navy-900:#041c34;
  --navy-800:#062646;   /* hero */
  --navy-700:#0a2a4a;   /* brand */
  --navy-600:#123a63;
  --navy-100:#e6ecf3;

  --navy-50:#f3f7fb;    /* quiet tint */

  /* gold */
  --gold-800:#8a6413;   /* press */
  --gold-700:#a97d17;   /* hover · small text */
  --gold-600:#c1901f;   /* CTA fill — gold-500 measures 2.4:1 on white and
                           fails AA at every size; gold-600 reaches 3.2:1,
                           which clears AA for uppercase button labels */
  --gold-500:#d2a029;   /* rules, underlines, headline second line */
  --gold-100:#faf2e0;

  /* neutrals */
  --grey-100:#f8f8f8;   /* page */
  --white:#fff;         /* panels */
  --field:#fafafa;      /* input fill */
  --text:#33475e;       /* ink-700 — 8.6:1 on white */
  --muted:#5b6b7d;      /* 5.2:1 on white — body only */
  --line:#e2e6ea;
  --error:#b3352b;
  --on-dark:#dbe4ee;    /* 9.8:1 on navy-700 */

  /* Prose caps at ~75 characters per the book's type rules. */
  --prose:660px;

  /* type */
  --font-display:'Poppins',Helvetica,Arial,sans-serif;
  --font-body:'Nunito Sans',Helvetica,Arial,sans-serif;
  --font-mono:'IBM Plex Mono',ui-monospace,Menlo,monospace;

  /* body 17px is a hard floor — the 55-75+ audience sets it */
  --fs-body:17px;
  --fs-lead:19px;

  --radius:10px;
  --radius-lg:16px;
  --shadow:0 1px 3px rgba(6,38,70,.08);
  --shadow-lg:0 6px 18px rgba(6,38,70,.10);
  --header-h:150px;
}

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

html{scroll-behavior:smooth;scroll-padding-top:var(--header-h);}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;}
}

body{
  margin:0;
  background:var(--grey-100);
  color:var(--text);
  font-family:var(--font-body);
  font-size:var(--fs-body);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

img{max-width:100%;height:auto;display:block;}
a{color:var(--navy-700);}

h1,h2,h3{font-family:var(--font-display);font-weight:600;color:var(--navy-700);line-height:1.15;margin:0;}

/* Lucide-style stroke icons */
.ico{
  width:1.15em;height:1.15em;flex:0 0 auto;
  fill:none;stroke:currentColor;stroke-width:2;
  stroke-linecap:round;stroke-linejoin:round;
}

.wrap{max-width:1200px;margin:0 auto;padding:0 24px;}
.wrap--narrow{max-width:840px;}

/* Hidden by vertical transform, not a negative left offset — the latter
   can widen the scroll area on narrow viewports. */
.skip-link{
  position:absolute;left:0;top:0;z-index:100;
  transform:translateY(-200%);
  background:var(--navy-700);color:var(--white);
  padding:14px 22px;border-radius:0 0 var(--radius) 0;font-weight:700;
}
.skip-link:focus{transform:translateY(0);}

/* Book rule: "Carry a visible focus ring — 3px gold plus a navy border."
   Never remove this to tidy a design. */
:focus-visible{
  outline:3px solid var(--gold-500);
  outline-offset:2px;
  box-shadow:0 0 0 1px var(--navy-700);
  border-radius:4px;
}

/* Bracketed placeholders are marked so nobody mistakes them for copy */
.is-placeholder{color:var(--muted);font-style:italic;}

.mono{font-family:var(--font-mono);font-size:.95em;letter-spacing:.02em;}

/* ═══ BUTTONS ═══
   Hover darkens one step · outline inverts to solid navy · press scales .985 */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--font-display);font-weight:600;font-size:16px;
  letter-spacing:.05em;text-transform:uppercase;text-decoration:none;
  padding:16px 30px;border-radius:var(--radius);border:3px solid transparent;
  cursor:pointer;transition:background-color .15s,color .15s,border-color .15s,transform .08s;
}
.btn:active{transform:scale(.985);}
.btn--block{width:100%;}

.btn--primary{background:var(--gold-600);color:var(--white);box-shadow:var(--shadow);}
.btn--primary:hover{background:var(--gold-700);}
.btn--primary:active{background:var(--gold-800);}

.btn--outline{border-color:var(--navy-700);color:var(--navy-700);background:transparent;}
.btn--outline:hover{background:var(--navy-700);color:var(--white);}

.btn--inverse{border-color:rgba(255,255,255,.5);color:var(--white);background:transparent;}
.btn--inverse:hover{background:var(--white);color:var(--navy-700);border-color:var(--white);}

/* ═══ HEADER ═══ */
.site-header{
  position:sticky;top:0;z-index:50;
  background:var(--white);border-bottom:1px solid var(--line);
}
.header-top__inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:24px;padding:16px 0;
}
/* Max width keeps the logo's baked-in tagline legible; below ~250px it
   turns to mush. Clear space is enforced by the header padding. */
.logo img{width:clamp(240px,30vw,400px);height:auto;}

.header-contact{display:flex;gap:32px;align-items:center;}
.contact-link{
  display:inline-flex;align-items:center;gap:9px;
  color:var(--navy-700);text-decoration:none;font-weight:700;font-size:17px;
}
.contact-link .ico{color:var(--gold-600);width:20px;height:20px;}
.contact-link:hover{color:var(--gold-700);}

.primary-nav{border-top:1px solid var(--line);}
.primary-nav ul{
  display:flex;flex-wrap:wrap;justify-content:center;gap:6px 30px;
  list-style:none;margin:0;padding:0;
}
.primary-nav a{
  display:block;padding:15px 2px;
  font-family:var(--font-display);font-weight:500;font-size:15px;
  letter-spacing:.06em;text-transform:uppercase;
  color:var(--navy-700);text-decoration:none;
  border-bottom:3px solid transparent;
}
.primary-nav a:hover{color:var(--gold-700);}
.primary-nav a.is-active{border-bottom-color:var(--gold-500);color:var(--navy-700);}

.nav-toggle{
  display:none;align-items:center;gap:10px;
  background:var(--navy-700);color:var(--white);border:0;
  font-family:var(--font-display);font-weight:600;font-size:15px;
  letter-spacing:.05em;text-transform:uppercase;
  padding:12px 18px;border-radius:var(--radius);cursor:pointer;
}
.nav-toggle__bars{display:grid;gap:4px;}
.nav-toggle__bars span{display:block;width:20px;height:2px;background:currentColor;}

/* ═══ HERO ═══ */
.hero{position:relative;background:var(--navy-800);overflow:hidden;isolation:isolate;}
.hero__photo{
  position:absolute;inset:0;width:100%;height:100%;
  object-fit:cover;object-position:right center;z-index:-2;
}
/* Ramp copied from the brand deck's title slide so the site and the deck
   read as the same artwork. Holds near-solid navy across the left ~46%. */
.hero__scrim{
  position:absolute;inset:0;z-index:-1;
  background:linear-gradient(90deg,
    rgba(6,38,70,.98) 0%,
    rgba(6,38,70,.96) 46%,
    rgba(6,38,70,.78) 62%,
    rgba(6,38,70,.25) 82%,
    rgba(6,38,70,.10) 100%);
}
.hero__inner{padding:96px 24px 104px;max-width:1200px;}
/* Two lines, second in gold, both ending in a period — brand voice rule.
   The ch cap scales with font-size, so each line stays intact down to
   mobile while never running past the scrim into the photograph. */
.hero__headline{
  font-size:clamp(29px,5.4vw,64px);color:var(--white);
  letter-spacing:-.015em;max-width:24ch;text-wrap:balance;
}
.hero__headline .accent{display:block;color:var(--gold-500);}
.hero__lead{
  font-size:clamp(var(--fs-lead),2vw,22px);line-height:1.55;
  color:#dbe4ee;max-width:34rem;margin:26px 0 0;
}
.hero__actions{display:flex;flex-wrap:wrap;gap:16px;margin-top:36px;}

/* ═══ COVERAGE PANELS ═══ */
.coverage{padding:76px 0;}
.coverage__grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:stretch;}

.panel{
  display:flex;gap:28px;align-items:flex-start;
  background:var(--white);border:1px solid var(--line);
  border-radius:var(--radius-lg);box-shadow:var(--shadow);
  padding:44px 40px;
  scroll-margin-top:var(--header-h);
}
/* Push the closing reassurance to the bottom so both panels' final
   paragraphs sit on the same line regardless of list length. */
.panel__body{display:flex;flex-direction:column;height:100%;}
.panel__close{margin-top:auto;padding-top:4px;}
.panel__icon{width:124px;height:124px;border-radius:50%;}
.panel__title{
  font-size:29px;
  border-bottom:4px solid var(--gold-500);
  padding-bottom:10px;display:inline-block;margin-bottom:20px;
}
.panel p{margin:0 0 18px;}
.panel__close{color:var(--muted);margin-bottom:0;}

.checklist{
  list-style:none;margin:0 0 20px;padding:0;
  display:grid;grid-template-columns:1fr 1fr;gap:12px 26px;
}
.checklist li{position:relative;padding-left:36px;}
.checklist li::before{
  content:"";position:absolute;left:0;top:.16em;
  width:24px;height:24px;border-radius:50%;
  background:var(--navy-700) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m20 6-11 11-5-5'/%3E%3C/svg%3E") center/13px no-repeat;
}

/* ═══ SECTION HEADINGS ═══ */
.section-heading{
  font-size:clamp(30px,3.6vw,42px);text-align:center;
}
.section-heading::after{
  content:"";display:block;width:110px;height:5px;
  background:var(--gold-500);border-radius:3px;margin:22px auto 0;
}
.section-heading--left{text-align:left;}
.section-heading--left::after{margin-left:0;}

/* ═══ WHY CHOOSE ME ═══ */
.why{background:var(--white);border-block:1px solid var(--line);padding:78px 0;scroll-margin-top:var(--header-h);}
.why__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:56px;}
.trust{padding:0 30px;}
.trust + .trust{border-left:1px solid var(--line);}
.trust img{width:62px;height:62px;border-radius:50%;margin-bottom:18px;}
.trust h3{font-size:21px;margin-bottom:10px;}
.trust p{margin:0;}

/* ═══ ABOUT ═══ */
.about{padding:78px 0;scroll-margin-top:var(--header-h);}
.about__grid{display:grid;grid-template-columns:300px 1fr;gap:52px;align-items:center;}
.about__photo{
  aspect-ratio:4/5;border-radius:var(--radius-lg);
  display:grid;place-items:center;text-align:center;
}
/* Real headshot. The 4:5 above sized the dashed placeholder box; the photo
   instead fills the column beside the bio, which is taller than 4:5 would be.
   object-fit:cover keeps Michael centred and undistorted at any box height,
   and the min/max bound the crop so a longer or shorter bio can't stretch it
   to something silly. The radius has to be on the img itself — a radius on a
   parent won't clip a replaced element. */
img.about__photo{
  display:block;width:100%;height:100%;
  aspect-ratio:auto;min-height:400px;max-height:640px;
  object-fit:cover;object-position:center;
  border-radius:var(--radius-lg);box-shadow:var(--shadow);
}
.placeholder{
  background:repeating-linear-gradient(45deg,#eef2f6,#eef2f6 10px,#f6f8fa 10px,#f6f8fa 20px);
  border:2px dashed #c3ced9;color:var(--muted);
  font-size:15px;line-height:1.5;
}
.about .lead{font-size:var(--fs-lead);color:var(--navy-700);font-weight:600;margin:26px 0 16px;}
.about p{margin:0 0 16px;max-width:var(--prose);}
.about .btn{margin-top:14px;}

/* ═══ FAQ ═══ */
.faq{background:var(--white);border-block:1px solid var(--line);padding:78px 0;scroll-margin-top:var(--header-h);}
.accordion{margin-top:48px;}
.accordion__item{border-bottom:1px solid var(--line);}
.accordion__item h3{margin:0;font-size:inherit;}
.accordion__trigger{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:20px;
  background:none;border:0;cursor:pointer;text-align:left;
  font-family:var(--font-display);font-weight:600;font-size:19px;color:var(--navy-700);
  padding:22px 4px;
}
.accordion__trigger:hover{color:var(--gold-700);}
.accordion__chevron{width:22px;height:22px;color:var(--gold-600);transition:transform .2s;}
.accordion__trigger[aria-expanded="true"] .accordion__chevron{transform:rotate(180deg);}
.accordion__panel{display:none;padding:0 4px 24px;}
.accordion__panel.is-open{display:block;}
.accordion__panel p{margin:0;max-width:var(--prose);}
/* Multi-paragraph answers (term vs. whole life) — p has margin:0, so
   consecutive paragraphs need an explicit gap or they run together. */
.accordion__panel p + p{margin-top:1em;}

/* ═══ CONTACT ═══ */
.contact{padding:78px 0;scroll-margin-top:var(--header-h);}
.contact__intro{text-align:center;font-size:var(--fs-lead);margin:26px auto 44px;max-width:52ch;}

.quote-form{
  background:var(--white);border:1px solid var(--line);
  border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:40px;
}
.field{margin-bottom:22px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:0 24px;}
.field label{display:block;font-weight:700;color:var(--navy-700);margin-bottom:9px;}
.req{color:var(--error);}

/* min-height 46px per the book's control-size rule */
.field input,.field select,.field textarea{
  width:100%;min-height:46px;
  font-family:inherit;font-size:var(--fs-body);color:var(--text);
  background:var(--field);border:1px solid #c3ced9;border-radius:var(--radius);
  padding:14px 16px;transition:border-color .15s,box-shadow .15s;
}
.field textarea{resize:vertical;}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--navy-700);
  box-shadow:0 0 0 4px rgba(210,160,41,.45);
}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:var(--error);}
.field__hint{font-size:15px;color:var(--muted);margin:8px 0 0;}
.field__error{font-size:15px;color:var(--error);font-weight:600;margin:8px 0 0;}

/* Honeypot — visually-hidden without a negative offset, so it can never
   contribute to horizontal scroll. Still focusable-invisible to bots. */
.hp{
  position:absolute;width:1px;height:1px;
  padding:0;margin:-1px;overflow:hidden;
  clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0;
}

.form-status{margin:20px 0 0;font-weight:700;text-align:center;}
.form-status.is-error{color:var(--error);}
.form-status.is-success{color:#1d6b4f;}
.form-consent{font-size:15px;color:var(--muted);margin:18px 0 0;text-align:center;}

/* ═══ CLOSING BAND ═══ */
.closing{background:var(--navy-700);color:var(--on-dark);padding:44px 0;}
.closing__grid{
  display:grid;grid-template-columns:1.6fr 1fr auto;
  gap:44px;align-items:center;
}
.closing__states{display:flex;gap:16px;align-items:flex-start;}
.closing__states .ico{width:30px;height:30px;color:var(--gold-500);margin-top:2px;}
.closing__label{margin:0 0 6px;font-weight:700;color:var(--white);}
.closing__list{margin:0;font-size:16px;line-height:1.55;}
.closing__promise{display:flex;gap:16px;align-items:center;}
.closing__promise p{margin:0;color:var(--white);font-weight:600;line-height:1.4;}
.closing__promise em{color:var(--gold-500);font-family:Georgia,serif;}

/* ═══ FOOTER ═══ */
.site-footer{background:var(--navy-900);color:#a9bacd;padding:56px 0 34px;font-size:16px;}
.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;}
.site-footer a{color:#dbe4ee;text-decoration:none;}
.site-footer a:hover{color:var(--gold-500);text-decoration:underline;}
.footer__logo{width:64px;margin-bottom:14px;}
.footer__name{color:var(--white);font-weight:700;margin:0 0 4px;}
.footer__tag{margin:0;font-size:14px;letter-spacing:.04em;text-transform:uppercase;color:var(--gold-500);}
.footer__head{
  font-family:var(--font-display);font-weight:600;color:var(--white);
  letter-spacing:.06em;text-transform:uppercase;font-size:15px;margin:0 0 14px;
}
.site-footer ul{list-style:none;margin:0;padding:0;}
.site-footer li{margin-bottom:8px;}
.site-footer p{margin:0 0 8px;}
.licence{margin-top:16px!important;line-height:1.8;}

.disclosure{
  margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,.14);
  font-size:14px;line-height:1.65;color:#8fa3b8;
}
.disclosure p{margin:0 0 12px;}
.disclosure .is-placeholder{color:var(--gold-500);}
.disclosure__links a{text-decoration:underline;}

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE — mobile-first audiences; most visitors arrive on phones
   ═══════════════════════════════════════════════════════════════ */

@media (max-width:1040px){
  :root{--header-h:120px;}
  .coverage__grid{grid-template-columns:1fr;}
  .why__grid{grid-template-columns:1fr 1fr;gap:40px 0;}
  .trust:nth-child(3){border-left:0;}
  .closing__grid{grid-template-columns:1fr;gap:28px;text-align:left;}
  .footer__grid{grid-template-columns:1fr 1fr;}
}

@media (max-width:820px){
  /* Taller than the desktop value: the contact pair now occupies its own
     row inside the sticky header. Keep this in sync or anchored nav will
     land with headings hidden underneath. */
  :root{--header-h:134px;}

  .nav-toggle{display:inline-flex;}

  /* Master rule: "Keep phone and email reachable on every screen." The
     contact pair drops to its own full-width row rather than being hidden
     — click-to-call is the senior audience's primary path, so it must
     never be behind a menu tap. */
  .header-top__inner{flex-wrap:wrap;gap:12px;}
  .header-contact{
    order:3;width:100%;justify-content:center;gap:22px;
    padding-top:11px;border-top:1px solid var(--line);
  }
  .contact-link{font-size:16px;}

  /* Logo must share row 1 with the Menu button. Stays above the book's
     140px minimum, below which the tagline stops resolving. */
  .logo img{width:min(196px,48vw);}

  .primary-nav{display:none;border-top:1px solid var(--line);}
  .primary-nav.is-open{display:block;}
  .primary-nav ul{flex-direction:column;gap:0;}
  .primary-nav li{border-bottom:1px solid var(--line);}
  .primary-nav a{padding:16px 0;border-bottom:0;border-left:4px solid transparent;padding-left:12px;}
  .primary-nav a.is-active{border-left-color:var(--gold-500);background:var(--gold-100);}

  .hero__inner{padding:64px 24px 72px;}
  .hero__scrim{
    background:linear-gradient(180deg,rgba(6,38,70,.90) 0%,rgba(6,38,70,.94) 55%,rgba(6,38,70,.97) 100%);
  }
  .hero__headline{max-width:none;}
  .hero__actions .btn{flex:1 1 auto;}

  .panel{flex-direction:column;gap:20px;padding:34px 26px;}
  .panel__icon{width:96px;height:96px;}

  .about__grid{grid-template-columns:1fr;gap:32px;}
  .about__photo{max-width:260px;}
  /* Stacked: no text column to match, so drop the fill-the-row sizing and
     go back to a plain 4:5 portrait, centred in the column. */
  img.about__photo{
    aspect-ratio:4/5;height:auto;min-height:0;max-height:none;
    margin-inline:auto;
  }

  .quote-form{padding:28px 22px;}
  .field-row{grid-template-columns:1fr;}
}

@media (max-width:560px){
  .checklist{grid-template-columns:1fr;}
  .why__grid{grid-template-columns:1fr;}
  .trust{padding:0;}
  .trust + .trust{border-left:0;border-top:1px solid var(--line);padding-top:32px;}
  .footer__grid{grid-template-columns:1fr;gap:32px;}
  .hero__actions{flex-direction:column;align-items:stretch;}
}

/* ═══ PRINT ═══ */
@media print{
  .site-header,.nav-toggle,.hero__actions,.quote-form,.skip-link{display:none;}
  body{background:#fff;color:#000;}
  .hero{background:#fff;}
  .hero__photo,.hero__scrim{display:none;}
  .hero__headline,.hero__lead{color:#000;}
}