/* =========================================================
   Cornerstone Benefits Group — Shared styles
   Used by sub-pages. The homepage inlines its own copy for
   first-paint speed; this file mirrors the same system.
   ========================================================= */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --paper: #FAF7F2;
  --paper-2: #FFFFFF;
  --paper-3: #F3EFE7;

  --navy-900: #0F1E3D;
  --navy-800: #1A2238;
  --navy-700: #14305C;
  --navy-600: #0F4C81;
  --navy-500: #2C4A6B;

  --gold-100: #F4E4B1;
  --gold-300: #D4B570;
  --gold-400: #C0A05A;
  --gold-500: #B8923D;
  --gold-600: #8A6630;
  --gold-700: #6B4A22;

  --ink-700: #2B2B2F;
  --ink-500: #5A5A60;
  --ink-400: #8A8A92;
  --ink-300: #C7C5BD;
  --ink-200: #E4E2DC;

  --grad-gold: linear-gradient(180deg, #E9D08A 0%, #F4E4B1 18%, #C0A05A 52%, #8A6630 100%);
  --grad-gold-rule: linear-gradient(90deg, transparent 0%, var(--gold-500) 20%, var(--gold-300) 50%, var(--gold-500) 80%, transparent 100%);

  --positive: #2F6F4F;
  --negative: #8C2F2F;

  --bg: var(--paper);
  --fg-1: var(--navy-800);
  --fg-2: #3F4654;
  --fg-3: #5E6577;
  --border-1: #E4E0D5;
  --border-2: #D4CFC2;

  --font-display: 'Fraunces', 'Source Serif Pro', Georgia, serif;
  --font-cinzel: 'Cinzel', 'Trajan Pro', Georgia, serif;
  --font-sans: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --shadow-sm: 0 1px 3px rgba(15, 30, 61, 0.08);
  --shadow-md: 0 6px 18px rgba(15, 30, 61, 0.10);
  --shadow-lg: 0 22px 56px -14px rgba(15, 30, 61, 0.22);
  --ring-focus: 0 0 0 3px rgba(15, 76, 129, 0.30);

  --ease-standard: cubic-bezier(0.32, 0.08, 0.24, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.30, 1);
  --dur-fast: 160ms;
  --dur-normal: 280ms;
  --dur-slow: 480ms;
}

html { color-scheme: light; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--fg-1);
  font-family: var(--font-sans); font-size: 18px; line-height: 1.6;
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility;
}
::selection { background: var(--gold-100); color: var(--navy-800); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-600); text-decoration: none; border-bottom: 1px solid rgba(15, 76, 129, 0.35); transition: color var(--dur-fast) var(--ease-standard), border-color var(--dur-fast) var(--ease-standard); }
a:hover { color: var(--navy-700); border-bottom-color: var(--navy-700); }

.container { max-width: 1180px; margin: 0 auto; padding: 0 32px; }
.container-wide { max-width: 1400px; margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: 820px; margin: 0 auto; padding: 0 32px; }
.gilded { background: var(--grad-gold); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: transparent; }
.gold-rule { height: 2px; background: var(--grad-gold-rule); border: 0; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-sans); font-size: 13px; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase;
  padding: 8px 16px 8px 12px; border-radius: 999px;
  color: var(--navy-600); background: rgba(15, 76, 129, 0.08);
  border: 1px solid rgba(15, 76, 129, 0.25);
}
.eyebrow--gold { color: var(--gold-700); background: rgba(184, 146, 61, 0.10); border-color: rgba(184, 146, 61, 0.30); }
.eyebrow--dark { color: var(--gold-300); background: rgba(212,181,112,0.12); border-color: rgba(212,181,112,0.35); }
.eyebrow i { width: 16px; height: 16px; }

.btn {
  font-family: var(--font-sans); font-size: 16px; font-weight: 700; letter-spacing: 0.04em;
  padding: 18px 30px; min-height: 56px;
  border: 0; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  transition: all var(--dur-normal) var(--ease-standard); line-height: 1.2;
  text-decoration: none; border-bottom: none; border-radius: 4px;
}
.btn:hover { border-bottom: none; }
.btn--primary { color: #FFFFFF; background: var(--navy-600); box-shadow: 0 2px 0 var(--navy-900), var(--shadow-sm); }
.btn--primary:hover { background: var(--navy-700); transform: translateY(-1px); box-shadow: 0 3px 0 var(--navy-900), var(--shadow-md); }
.btn--gold { color: var(--navy-900); background: var(--grad-gold); box-shadow: inset 0 1px 0 rgba(244, 228, 177, 0.7), var(--shadow-sm); }
.btn--gold:hover { filter: brightness(1.04); transform: translateY(-1px); box-shadow: inset 0 1px 0 rgba(244,228,177,0.9), var(--shadow-md); }
.btn--ghost { color: var(--navy-700); background: transparent; border: 2px solid var(--navy-600); }
.btn--ghost:hover { background: var(--navy-600); color: #FFFFFF; }
.btn--ghost-dark { color: var(--paper); background: transparent; border: 1px solid var(--gold-500); }
.btn--ghost-dark:hover { background: rgba(192,160,90,0.15); color: var(--gold-100); }
.btn--lg { font-size: 17px; padding: 20px 34px; min-height: 60px; }
.btn:focus-visible { outline: none; box-shadow: var(--ring-focus); }

.h-display { font-family: var(--font-display); font-weight: 600; font-size: clamp(36px, 4.8vw, 60px); letter-spacing: -0.015em; line-height: 1.1; color: var(--navy-800); margin: 0; }
.h-display .accent { font-style: italic; font-weight: 500; color: var(--navy-600); }
.h-section { font-family: var(--font-display); font-weight: 600; font-size: clamp(28px, 3.4vw, 44px); letter-spacing: -0.01em; line-height: 1.15; color: var(--navy-800); margin: 0 0 16px; }
.h-section.on-dark { color: var(--paper); }
.h-section .accent { font-style: italic; font-weight: 500; color: var(--navy-600); }
.h-section.on-dark .accent { color: var(--gold-300); }

.lead { font-size: 21px; line-height: 1.55; color: var(--fg-2); max-width: 60ch; margin: 0; }
.lead.on-dark { color: rgba(255,255,255,0.85); }

.rule { height: 2px; background: var(--grad-gold-rule); width: 96px; }
.rule.wide { width: 160px; }

/* ---- NAV ---- */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(250, 247, 242, 0.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--border-1); }
.nav__inner { max-width: 1400px; margin: 0 auto; padding: 18px 32px; display: flex; align-items: center; gap: 32px; }
.nav__logo { height: 44px; flex-shrink: 0; }
.nav__links { display: flex; gap: 32px; margin-left: 24px; flex: 1; }
.nav__links a { font-family: var(--font-sans); font-size: 16px; font-weight: 600; color: var(--navy-800); text-decoration: none; border-bottom: 2px solid transparent; padding-bottom: 4px; transition: color var(--dur-fast) var(--ease-standard), border-color var(--dur-fast) var(--ease-standard); }
.nav__links a:hover, .nav__links a.active { color: var(--navy-600); border-bottom-color: var(--gold-500); }
.nav__phone { display: flex; align-items: center; gap: 8px; color: var(--navy-800); font-weight: 700; font-size: 16px; text-decoration: none; border-bottom: none; }
.nav__phone:hover { color: var(--navy-600); border-bottom: none; }
.nav__phone i { width: 18px; height: 18px; color: var(--navy-600); }
.nav__toggle { display: none; background: none; border: none; cursor: pointer; color: var(--navy-800); padding: 4px; margin-left: auto; }
.nav__toggle i { width: 28px; height: 28px; }
@media (max-width: 900px) {
  .nav__links { display: none; }
  .nav__phone span { display: none; }
  .nav__toggle { display: flex; align-items: center; }
}

/* ---- TRUST BAR ---- */
.trust-bar { background: var(--paper-3); border-bottom: 1px solid var(--border-1); padding: 14px 0; }
.trust-bar__inner { max-width: 1400px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 28px; }
.trust-item { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--fg-2); letter-spacing: 0.02em; }
.trust-item i { width: 16px; height: 16px; color: var(--gold-600); }

/* ---- PAGE HERO (subpages) ---- */
.page-hero {
  background: var(--paper);
  background-image: radial-gradient(ellipse 60% 70% at 90% 20%, rgba(184, 146, 61, 0.08), transparent 60%);
  padding: 80px 0 64px;
}
.page-hero__inner { max-width: 1100px; margin: 0 auto; padding: 0 32px; display: flex; flex-direction: column; gap: 24px; align-items: flex-start; }
.page-hero__title { font-family: var(--font-display); font-weight: 600; font-size: clamp(36px, 4.8vw, 56px); letter-spacing: -0.02em; line-height: 1.1; color: var(--navy-800); margin: 0; }
.page-hero__title .accent { font-style: italic; font-weight: 500; color: var(--navy-600); }
.page-hero__sub { font-size: 20px; line-height: 1.55; color: var(--fg-2); max-width: 56ch; }
.page-hero__ctas { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; margin-top: 8px; }

/* ---- CONTENT PROSE ---- */
.prose { max-width: 760px; margin: 0 auto; padding: 0 32px; }
.prose h2 { font-family: var(--font-display); font-weight: 600; font-size: clamp(26px, 3vw, 36px); letter-spacing: -0.01em; line-height: 1.2; color: var(--navy-800); margin: 56px 0 16px; }
.prose h3 { font-family: var(--font-display); font-weight: 600; font-size: 22px; letter-spacing: -0.005em; line-height: 1.3; color: var(--navy-800); margin: 32px 0 12px; }
.prose p { font-size: 18px; line-height: 1.7; color: var(--fg-2); margin: 0 0 18px; }
.prose ul, .prose ol { font-size: 18px; line-height: 1.7; color: var(--fg-2); padding-left: 24px; margin: 0 0 18px; }
.prose li { margin-bottom: 8px; }
.prose strong { color: var(--navy-800); font-weight: 700; }
.prose .lede { font-size: 21px; line-height: 1.55; color: var(--navy-800); font-family: var(--font-display); font-weight: 500; margin: 0 0 32px; }
.prose blockquote { border-left: 3px solid var(--gold-500); padding: 4px 0 4px 20px; margin: 24px 0; font-style: italic; font-family: var(--font-display); font-weight: 500; font-size: 20px; color: var(--navy-800); }

/* Callout boxes */
.callout { background: var(--paper-2); border: 1px solid var(--border-1); border-left: 4px solid var(--gold-500); padding: 22px 26px; margin: 32px 0; }
.callout h4 { font-family: var(--font-display); font-weight: 600; font-size: 17px; letter-spacing: 0.02em; color: var(--navy-800); margin: 0 0 8px; }
.callout p { font-size: 16px; line-height: 1.6; color: var(--fg-2); margin: 0; }
.callout--info { border-left-color: var(--navy-600); background: rgba(15, 76, 129, 0.04); }

/* Comparison table */
.compare {
  display: grid; gap: 1px;
  background: var(--border-1);
  border: 1px solid var(--border-1);
  margin: 32px 0;
}
.compare__head, .compare__row {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr 1fr; gap: 1px;
  background: var(--border-1);
}
.compare__cell {
  background: var(--paper-2); padding: 18px 20px;
  font-size: 16px; line-height: 1.5; color: var(--fg-2);
}
.compare__cell--head { background: var(--paper-3); font-weight: 700; color: var(--navy-800); font-size: 15px; letter-spacing: 0.04em; }
.compare__cell--row-head { background: var(--paper-3); font-weight: 700; color: var(--navy-800); font-size: 16px; }
@media (max-width: 700px) {
  .compare__head, .compare__row { grid-template-columns: 1fr; }
  .compare__cell--head { display: none; }
  .compare__cell::before { content: attr(data-label); display: block; font-size: 12px; font-weight: 700; letter-spacing: 0.18em; color: var(--gold-700); text-transform: uppercase; margin-bottom: 6px; }
  .compare__cell--row-head::before { display: none; }
}

/* Timeline */
.timeline { margin: 32px 0; display: flex; flex-direction: column; gap: 0; border-left: 2px solid var(--gold-500); padding-left: 28px; position: relative; }
.timeline__item { position: relative; padding-bottom: 32px; }
.timeline__item::before { content: ''; position: absolute; left: -36px; top: 4px; width: 16px; height: 16px; background: var(--gold-500); border-radius: 50%; box-shadow: 0 0 0 4px var(--paper); }
.timeline__date { font-size: 13px; font-weight: 700; color: var(--navy-600); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 4px; }
.timeline__title { font-family: var(--font-display); font-weight: 600; font-size: 19px; color: var(--navy-800); margin: 0 0 6px; }
.timeline__body { font-size: 16px; line-height: 1.6; color: var(--fg-2); margin: 0; max-width: 64ch; }

/* CTA card */
.cta-card {
  background: var(--navy-900); color: var(--paper);
  background-image: radial-gradient(ellipse 60% 80% at 50% 100%, rgba(184, 146, 61, 0.15), transparent 60%);
  padding: 48px 40px; margin: 56px 0;
  text-align: center;
}
.cta-card h3 { font-family: var(--font-display); font-weight: 600; font-size: clamp(24px, 3vw, 32px); color: var(--paper); margin: 0 0 12px; letter-spacing: -0.01em; }
.cta-card p { font-size: 17px; line-height: 1.55; color: rgba(255,255,255,0.85); max-width: 50ch; margin: 0 auto 24px; }
.cta-card a { color: inherit; border-bottom: none; }

/* ---- FOOTER ---- */
.footer { background: var(--paper); padding: 64px 0 36px; border-top: 1px solid var(--border-1); }
.footer__inner { max-width: 1180px; margin: 0 auto; padding: 0 32px; }
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 40px; }
.footer__brand img { height: 40px; margin-bottom: 16px; }
.footer__brand p { font-size: 15px; line-height: 1.6; color: var(--fg-2); max-width: 32ch; }
.footer__col-title { font-size: 12px; font-weight: 700; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-700); margin-bottom: 16px; }
.footer__links { display: flex; flex-direction: column; gap: 12px; }
.footer__links a, .footer__links span { font-size: 15px; color: var(--fg-1); border-bottom: 1px solid transparent; align-self: flex-start; }
.footer__links a:hover { color: var(--navy-600); border-bottom-color: var(--navy-600); }
.footer__legal { font-size: 13px; color: var(--fg-3); line-height: 1.6; padding-top: 24px; }
.footer__bottom { display: flex; justify-content: space-between; align-items: center; font-size: 13px; color: var(--fg-3); margin-top: 18px; }
.footer__bottom-links { display: flex; gap: 18px; }
.footer__bottom-links a { font-size: 13px; color: var(--fg-3); border-bottom: none; }
.footer__bottom-links a:hover { color: var(--navy-600); }

@media (max-width: 900px) {
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 600px) {
  .footer__grid { grid-template-columns: 1fr; }
  .footer__bottom { flex-direction: column; gap: 12px; }
  .container, .container-wide, .container-narrow, .prose { padding: 0 20px; }
  .nav__inner { padding: 14px 20px; }
}