/* ==========================================================================
   Retire Flow — IUL landing page
   Brand tokens live here. Swap these to match getretireflow.com exactly.
   ========================================================================== */
:root {
  /* Pulled from getretireflow.com (Elementor global colors + typography) */
  --navy-900: #041c39;   /* brand navy: headings, dark sections */
  --navy-700: #0d2d52;
  --teal-600: #077b82;   /* brand teal: buttons, arc in logo */
  --teal-500: #0a9098;
  --teal-100: #e1f1f1;
  --gold-500: #7fd8cf;   /* light-teal accent used on dark backgrounds */
  --gold-100: #d7efec;   /* highlighter tint */
  --cream: #f5faf6;      /* brand mint-white page background */
  --white: #ffffff;
  --ink: #1d2733;        /* body text */
  --muted: #5a6a78;
  --line: #e6e9ec;
  --danger: #c0392b;

  --font-display: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --radius: 14px;
  --radius-lg: 20px;
  --btn-radius: 12px;
  --shadow: 0 1px 2px rgba(4, 28, 57, .06), 0 8px 24px rgba(4, 28, 57, .07);
  --shadow-lg: 0 2px 4px rgba(4, 28, 57, .06), 0 24px 60px rgba(4, 28, 57, .16);
  --max: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--teal-600); }
sup { font-size: .6em; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy-900);
  line-height: 1.15;
  margin: 0 0 .5em;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.2rem, 4.8vw, 3.6rem); font-weight: 800; letter-spacing: -.03em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.6rem); font-weight: 800; letter-spacing: -.025em; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 88px 0; }
.section--tight { padding: 64px 0; }
.section--white { background: var(--white); }
.section--navy { background: var(--navy-900); color: #d6e0ee; }
.section--navy h2, .section--navy h3 { color: var(--white); }
.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--teal-600);
  margin-bottom: 12px;
}
.section--navy .eyebrow { color: var(--gold-500); }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 680px; }
.section--navy .lede { color: #b7c6da; }
.center { text-align: center; }
.center .lede { margin-left: auto; margin-right: auto; }
.hl { background: linear-gradient(transparent 62%, var(--gold-100) 62%); padding: 0; }
.section--navy .hl { background: none; color: var(--gold-500); }

/* Buttons --------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 700 1rem/1 var(--font-body);
  padding: 16px 26px;
  border-radius: var(--btn-radius);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; }
.btn--primary { background: var(--teal-600); color: var(--white); box-shadow: 0 6px 18px rgba(7, 123, 130, .3); }
.btn--primary:hover { background: var(--teal-500); }
.btn--gold { background: var(--gold-500); color: var(--navy-900); box-shadow: 0 6px 18px rgba(127, 216, 207, .3); }
.btn--ghost { background: transparent; color: var(--navy-900); border-color: var(--navy-900); }
.section--navy .btn--ghost { color: var(--white); border-color: rgba(255,255,255,.5); }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .65; cursor: progress; transform: none; }

/* Header ---------------------------------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 80px; }
.logo { display: inline-flex; align-items: center; text-decoration: none; }
.logo img { height: 60px; width: auto; }
.site-footer .logo img { height: 64px; }
.header-cta { padding: 12px 20px; font-size: .92rem; }
.header-link { color: var(--navy-900); font-weight: 600; font-size: .95rem; text-decoration: none; margin-right: 18px; }
@media (max-width: 640px) { .header-link { display: none; } .header-cta { padding: 10px 16px; } }

/* Hero ------------------------------------------------------------------ */
.hero { position: relative; overflow: hidden; padding: 64px 0 88px; }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 420px at 85% 10%, var(--teal-100), transparent 60%),
    radial-gradient(700px 380px at 0% 100%, var(--gold-100), transparent 60%);
  z-index: -1;
}
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: start; }
@media (max-width: 960px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } }
.hero .lede { font-size: 1.2rem; }
.hero-points { list-style: none; padding: 0; margin: 28px 0 32px; display: grid; gap: 14px; }
.hero-points li { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; }
.check {
  flex: 0 0 26px; height: 26px; border-radius: 50%;
  background: var(--teal-600); color: var(--white);
  display: grid; place-items: center; font-size: .8rem; margin-top: 1px;
}
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 22px; color: var(--muted); font-size: .9rem; }
.hero-trust span { display: inline-flex; align-items: center; gap: 6px; }

/* Form card ------------------------------------------------------------- */
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 32px;
  border-top: 6px solid var(--teal-600);
  scroll-margin-top: 96px;
}
.form-card h2 { font-size: 1.6rem; margin-bottom: 6px; }
.form-card .sub { color: var(--muted); font-size: .95rem; margin-bottom: 22px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 480px) { .form-row { grid-template-columns: 1fr; } .form-card { padding: 24px 20px; } }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: .85rem; font-weight: 600; color: var(--navy-900); margin-bottom: 6px; }
.field input, .field select {
  width: 100%;
  font: 500 1rem var(--font-body);
  color: var(--ink);
  background: #fcfbf8;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  padding: 13px 14px;
  transition: border-color .15s, box-shadow .15s;
  appearance: none;
}
.field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%235b6878' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--teal-600); box-shadow: 0 0 0 4px var(--teal-100); background: var(--white); }
.field input:user-invalid, .field select:user-invalid { border-color: var(--danger); }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .74rem; line-height: 1.5; color: var(--muted); margin: 6px 0 18px; }
.consent input { margin-top: 3px; flex: 0 0 auto; width: 16px; height: 16px; accent-color: var(--teal-600); }
.consent strong { color: var(--navy-900); }
.consent--dark { grid-column: 1 / -1; margin: 4px 4px 2px; color: #b7c6da; }
.consent--dark strong { color: #fff; }
.form-foot { text-align: center; font-size: .8rem; color: var(--muted); margin-top: 12px; }
.form-error { display: none; color: var(--danger); font-size: .88rem; margin: 0 0 12px; }
.form-error.show { display: block; }
.hidden { position: absolute !important; left: -9999px !important; }

/* Stat strip ------------------------------------------------------------ */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 760px) { .stats { grid-template-columns: 1fr; } }
.stat { background: var(--white); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.stat-num { font-family: var(--font-display); font-size: 2.6rem; font-weight: 800; color: var(--teal-600); line-height: 1; margin-bottom: 10px; }
.stat p { margin: 0; color: var(--muted); font-size: .98rem; }
.stat cite { display: block; font-size: .72rem; color: #8a95a3; margin-top: 10px; font-style: normal; }

/* Two-col --------------------------------------------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 40px; } }

/* Floor & cap diagram --------------------------------------------------- */
.diagram { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 28px; }
.diagram-caption { font-size: .78rem; color: var(--muted); margin: 14px 0 0; }
.legend { display: flex; flex-wrap: wrap; gap: 14px 22px; font-size: .85rem; color: var(--muted); margin-top: 12px; }
.legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }

.steps { counter-reset: step; display: grid; gap: 22px; margin-top: 28px; }
.step { display: grid; grid-template-columns: 48px 1fr; gap: 16px; }
.step::before {
  counter-increment: step; content: counter(step);
  width: 48px; height: 48px; border-radius: 14px;
  background: var(--navy-900); color: var(--gold-500);
  font: 800 1.2rem var(--font-display);
  display: grid; place-items: center;
}
.step h3 { margin-bottom: 4px; font-size: 1.1rem; }
.step p { margin: 0; color: var(--muted); }

/* Benefit cards --------------------------------------------------------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 44px; }
@media (max-width: 960px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .cards { grid-template-columns: 1fr; } }
.card {
  background: var(--white); border-radius: var(--radius); padding: 28px;
  box-shadow: var(--shadow); border: 1px solid transparent;
  transition: transform .2s, border-color .2s;
}
.card:hover { transform: translateY(-3px); border-color: var(--teal-100); }
.card-icon { width: 52px; height: 52px; border-radius: 14px; background: var(--teal-100); color: var(--teal-600); display: grid; place-items: center; margin-bottom: 18px; }
.card-icon svg { width: 26px; height: 26px; }
.card p { color: var(--muted); margin: 0; font-size: .98rem; }

/* Fit lists ------------------------------------------------------------- */
.fit { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 40px; }
@media (max-width: 760px) { .fit { grid-template-columns: 1fr; } }
.fit-box { border-radius: var(--radius); padding: 30px; }
.fit-box--yes { background: var(--teal-100); }
.fit-box--no { background: #f1eee7; }
.fit-box ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.fit-box li { padding-left: 30px; position: relative; }
.fit-box--yes li::before { content: "✓"; position: absolute; left: 0; color: var(--teal-600); font-weight: 800; }
.fit-box--no li::before { content: "–"; position: absolute; left: 4px; color: var(--muted); font-weight: 800; }

/* Comparison table ------------------------------------------------------ */
.table-wrap { overflow-x: auto; margin-top: 40px; border-radius: var(--radius); box-shadow: var(--shadow); background: var(--white); }
table.compare { width: 100%; border-collapse: collapse; min-width: 640px; font-size: .95rem; }
.compare th, .compare td { padding: 16px 18px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { background: var(--navy-900); color: var(--white); font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; }
.compare thead th.is-iul { background: var(--teal-600); }
.compare td.is-iul { background: #f3fbfa; font-weight: 600; color: var(--navy-900); }
.compare tbody th { font-weight: 600; color: var(--navy-900); width: 26%; }
.table-note { font-size: .78rem; color: var(--muted); margin-top: 14px; }

/* Guide ----------------------------------------------------------------- */
.guide { display: grid; grid-template-columns: .85fr 1.15fr; gap: 64px; align-items: center; }
@media (max-width: 900px) { .guide { grid-template-columns: 1fr; gap: 44px; } }
.book { perspective: 1400px; display: grid; place-items: center; }
.book-cover {
  width: min(320px, 80vw); aspect-ratio: 3 / 4;
  border-radius: 6px 16px 16px 6px;
  background: linear-gradient(155deg, var(--teal-600), var(--navy-900) 70%);
  box-shadow: -14px 18px 40px rgba(0,0,0,.4), inset 10px 0 0 rgba(0,0,0,.18);
  transform: rotateY(-14deg) rotateX(4deg);
  padding: 34px 28px 28px 38px;
  color: var(--white);
  display: flex; flex-direction: column;
  position: relative; overflow: hidden;
}
.book-cover::after { content: ""; position: absolute; right: -60px; bottom: -60px; width: 220px; height: 220px; border-radius: 50%; border: 28px solid rgba(127, 216, 207, .22); }
.book-tag { font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-500); font-weight: 700; }
.book-title { font-family: var(--font-display); font-weight: 800; font-size: 1.9rem; line-height: 1.1; letter-spacing: -.02em; margin: 14px 0 12px; color: var(--white); }
.book-sub { font-size: .85rem; color: #c9d6e6; }
.book-brand { margin-top: auto; }
.book-brand img { height: 40px; width: auto; }
.guide-list { list-style: none; padding: 0; margin: 24px 0 28px; display: grid; gap: 12px; }
.guide-list li { display: flex; gap: 12px; }
.guide-list b { color: var(--white); }
.guide-list .num { flex: 0 0 28px; height: 28px; border-radius: 8px; background: rgba(127, 216, 207, .16); color: var(--gold-500); font-weight: 700; display: grid; place-items: center; font-size: .85rem; }
.guide-form { display: grid; grid-template-columns: 1fr 1.3fr auto; gap: 10px; background: rgba(255,255,255,.06); padding: 10px; border-radius: 18px; border: 1px solid rgba(255,255,255,.12); }
@media (max-width: 680px) { .guide-form { grid-template-columns: 1fr; } }
.guide-form input {
  font: 500 1rem var(--font-body); padding: 14px 16px; border-radius: 12px;
  border: 1.5px solid transparent; background: var(--white); color: var(--ink); min-width: 0;
}
.guide-form input:focus { outline: none; border-color: var(--gold-500); }
.guide-fine { font-size: .74rem; color: #93a4ba; margin-top: 12px; }
.guide-fine a { color: #c9d6e6; }

/* Process --------------------------------------------------------------- */
.process { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 44px; position: relative; }
@media (max-width: 900px) { .process { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .process { grid-template-columns: 1fr; } }
.process-step { background: var(--white); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.process-step .n { font-family: var(--font-display); font-size: .9rem; font-weight: 800; color: var(--teal-600); margin-bottom: 8px; display: block; }
.process-step p { margin: 0; color: var(--muted); font-size: .96rem; }

/* FAQ ------------------------------------------------------------------- */
.faq { max-width: 820px; margin: 40px auto 0; }
.faq details { background: var(--white); border-radius: var(--radius); margin-bottom: 12px; box-shadow: var(--shadow); }
.faq summary {
  cursor: pointer; list-style: none; padding: 22px 60px 22px 24px; position: relative;
  font-weight: 700; color: var(--navy-900); font-size: 1.04rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--teal-600); font-weight: 400; transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details > div { padding: 0 24px 22px; color: var(--muted); }
.faq details > div p:last-child { margin: 0; }

/* Final CTA ------------------------------------------------------------- */
.final-cta { border-radius: var(--radius-lg); background: linear-gradient(135deg, var(--teal-600), var(--navy-900)); color: var(--white); padding: 64px 40px; text-align: center; position: relative; overflow: hidden; }
.final-cta h2 { color: var(--white); }
.final-cta p { color: #d8e6f1; max-width: 620px; margin: 0 auto 28px; font-size: 1.1rem; }
.final-cta .actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }
.final-cta .btn--ghost { color: var(--white); border-color: rgba(255,255,255,.6); }

/* Footer ---------------------------------------------------------------- */
.site-footer { background: var(--navy-900); color: #93a4ba; padding: 56px 0 40px; font-size: .8rem; line-height: 1.6; }
.site-footer .logo { color: var(--white); margin-bottom: 18px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; margin: 18px 0 28px; }
.footer-links a { color: #c9d6e6; text-decoration: none; font-size: .88rem; }
.disclosures p { margin-bottom: .9em; }

/* Sticky mobile CTA ----------------------------------------------------- */
.mobile-cta { display: none; }
@media (max-width: 760px) {
  .mobile-cta {
    display: flex; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 60;
    transform: translateY(140%); transition: transform .25s ease;
  }
  .mobile-cta.show { transform: none; }
  .mobile-cta .btn { width: 100%; box-shadow: var(--shadow-lg); }
}

/* Reveal on scroll ------------------------------------------------------ */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .btn, .card { transition: none; }
}

/* Simple content pages (thank-you, privacy) ----------------------------- */
.page { padding: 72px 0 96px; }
.page .container { max-width: 760px; }
.panel { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 44px; }
@media (max-width: 560px) { .panel { padding: 28px 22px; } }
.success-badge { width: 64px; height: 64px; border-radius: 50%; background: var(--teal-100); color: var(--teal-600); display: grid; place-items: center; margin-bottom: 22px; }
.success-badge svg { width: 32px; height: 32px; }
.next-steps { list-style: none; padding: 0; margin: 28px 0; display: grid; gap: 16px; counter-reset: ns; }
.next-steps li { display: grid; grid-template-columns: 36px 1fr; gap: 14px; counter-increment: ns; }
.next-steps li::before { content: counter(ns); width: 36px; height: 36px; border-radius: 50%; background: var(--navy-900); color: var(--gold-500); display: grid; place-items: center; font-weight: 700; }
.next-steps b { color: var(--navy-900); display: block; }
.next-steps span { color: var(--muted); font-size: .96rem; }

/* Brand photo ----------------------------------------------------------- */
.photo { position: relative; }
.photo img { width: 100%; height: auto; aspect-ratio: 1 / 1; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.photo-badge {
  position: absolute; left: -18px; bottom: 28px;
  background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding: 16px 20px; display: flex; align-items: center; gap: 14px; max-width: 280px;
  border-left: 5px solid var(--teal-600);
}
.photo-badge strong { font-size: 2rem; font-weight: 800; color: var(--teal-600); line-height: 1; }
.photo-badge span { font-size: .85rem; color: var(--navy-900); font-weight: 600; line-height: 1.35; }
@media (max-width: 560px) { .photo-badge { left: 12px; right: 12px; bottom: 12px; max-width: none; } }

.welcome-dl { background: var(--teal-100); border: 1px solid #bfe2e1; border-radius: var(--radius); padding: 14px 18px; margin: 4px 0 8px; color: var(--navy-900); font-size: .96rem; }
[hidden] { display: none !important; }