/* ============================================================
   ANNUITY ADVISORS — annuity-advisor.org
   Theme: swap the block below to change the entire site.
   Alternate colorways are at the bottom of this file.
   ============================================================ */

:root{
  --paper:      #F2EADC;
  --paper-2:    #E9DECB;
  --paper-3:    #DFD1B8;
  --ink:        #1B1410;
  --ink-soft:   #57483C;
  --brand:      #6B1F2A;   /* oxblood */
  --brand-deep: #3E1017;   /* dark panels */
  --brand-lift: #8A2C38;   /* hover */
  --foil:       #A9832F;   /* gold rule / accent */
  --foil-lift:  #C9A24B;
  --rule:       #CBB9A0;
  --rule-dark:  rgba(242,234,220,.22);

  --wrap: 1120px;
  --measure: 66ch;

  --f-display: 'Cinzel', 'Hoefler Text', Georgia, serif;
  --f-body: 'Jost', 'Avenir Next', 'Segoe UI', system-ui, sans-serif;
  --f-mono: 'IBM Plex Mono', ui-monospace, 'SFMono-Regular', Menlo, monospace;
}

/* ---------- reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
[id]{scroll-margin-top:92px}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--f-body);
  font-weight:300;
  font-size:clamp(16.5px,1.05vw,18px);
  line-height:1.62;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;display:block}
a{color:var(--brand);text-decoration:none}
a:hover{color:var(--brand-lift)}
:focus-visible{outline:2.5px solid var(--foil);outline-offset:3px;border-radius:2px}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--f-display);font-weight:600;line-height:1.12;margin:0;letter-spacing:.005em}
h1{font-size:clamp(2.15rem,5.1vw,3.9rem);letter-spacing:-.005em}
h2{font-size:clamp(1.7rem,3.2vw,2.6rem)}
h3{font-size:clamp(1.12rem,1.5vw,1.32rem)}
p{margin:0 0 1.05em}
.lede{font-size:clamp(1.05rem,1.4vw,1.2rem);color:var(--ink-soft);max-width:var(--measure)}
.eyebrow{
  font-family:var(--f-body);font-weight:500;font-size:.72rem;
  text-transform:uppercase;letter-spacing:.26em;color:var(--brand);
  margin:0 0 .9rem;
}
.eyebrow--foil{color:var(--foil-lift)}
em.italic{font-style:italic}

/* ---------- layout ---------- */
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(20px,5vw,40px)}
.wrap--narrow{max-width:820px}
section{padding-block:clamp(56px,7vw,104px)}
.section-head{max-width:var(--measure);margin-bottom:clamp(30px,4vw,52px)}
.stack>*+*{margin-top:1rem}

/* engraved double rule */
.rule{border:0;height:0;border-top:1px solid var(--rule);
  box-shadow:0 3px 0 -2px var(--rule);margin:0}
.rule--foil{border-top-color:var(--foil);box-shadow:0 3px 0 -2px var(--foil);opacity:.55}

/* ---------- guilloché engraving strip ---------- */
.engrave{
  height:11px;width:100%;background:var(--paper);
  background-image:repeating-linear-gradient(90deg,var(--foil) 0 1px,transparent 1px 6px);
  opacity:.42;
}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;font-family:var(--f-body);font-weight:500;
  font-size:.86rem;letter-spacing:.16em;text-transform:uppercase;
  padding:15px 30px;border:1px solid var(--brand);
  background:var(--brand);color:var(--paper);
  transition:background .18s ease,color .18s ease,transform .18s ease;
  cursor:pointer;
}
.btn:hover{background:var(--brand-lift);border-color:var(--brand-lift);color:var(--paper);transform:translateY(-1px)}
.btn--ghost{background:transparent;color:var(--brand)}
.btn--ghost:hover{background:var(--brand);color:var(--paper)}
.btn--foil{background:var(--foil);border-color:var(--foil);color:var(--brand-deep)}
.btn--foil:hover{background:var(--foil-lift);border-color:var(--foil-lift);color:var(--brand-deep)}
.btn--onDark{background:transparent;border-color:rgba(242,234,220,.5);color:var(--paper)}
.btn--onDark:hover{background:var(--paper);border-color:var(--paper);color:var(--brand-deep)}
.btnrow{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:26px}

/* ---------- header ---------- */
.topbar{
  background:var(--brand-deep);color:var(--paper);
  font-size:.76rem;letter-spacing:.13em;text-transform:uppercase;font-weight:400;
}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-block:9px;flex-wrap:wrap}
.topbar a{color:var(--foil-lift)}
.topbar a:hover{color:var(--paper)}

.masthead{position:sticky;top:0;z-index:60;background:var(--paper);border-bottom:1px solid var(--rule)}
.masthead .wrap,.topbar .wrap{max-width:1340px}
.masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:14px}
.brandmark{display:flex;align-items:center;gap:13px}
.brandmark .seal{width:46px;height:46px;flex:none}
.brandmark .wordmark{font-family:var(--f-display);font-weight:600;font-size:1.06rem;
  letter-spacing:.13em;text-transform:uppercase;color:var(--ink);line-height:1.1;white-space:nowrap}
.brandmark .wordmark span{display:block;font-family:var(--f-body);font-weight:400;
  font-size:.6rem;letter-spacing:.2em;color:var(--brand);margin-top:3px;white-space:nowrap}

.nav{display:flex;align-items:center;gap:clamp(12px,1.5vw,22px)}
.nav a{font-size:.92rem;letter-spacing:.06em;text-transform:uppercase;color:var(--ink);font-weight:400;white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{color:var(--brand)}
.nav a[aria-current="page"]{border-bottom:2px solid var(--foil);padding-bottom:2px}
.masthead .nav a.btn{font-size:.95rem;padding:14px 26px;white-space:nowrap;letter-spacing:.12em;
  background:var(--brand);border-color:var(--brand);color:var(--paper)}
.masthead .nav a.btn:hover{background:var(--brand-lift);border-color:var(--brand-lift);color:var(--paper)}
.masthead .nav a.btn[aria-current]{border-bottom-color:var(--brand)}
.nav a.nav-out::after{content:"↗";font-size:.7em;margin-left:4px;color:var(--foil);vertical-align:top}

.navtoggle{display:none;background:none;border:1px solid var(--rule);padding:9px 13px;
  font-family:var(--f-body);font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);cursor:pointer}

@media(max-width:1240px){
  .navtoggle{display:block}
  .nav{position:absolute;top:100%;left:0;right:0;background:var(--paper);
    border-bottom:1px solid var(--rule);flex-direction:column;align-items:stretch;
    gap:0;padding:8px 0 18px;display:none}
  .nav[data-open="true"]{display:flex}
  .nav a{padding:14px clamp(20px,5vw,40px);border-bottom:1px solid var(--paper-2);font-size:1rem}
  .nav a[aria-current="page"]{border-bottom:1px solid var(--paper-2)}
  .nav .btn{margin:14px clamp(20px,5vw,40px) 0;text-align:center}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding-block:clamp(52px,6.5vw,92px);
  background:var(--paper);}
.hero-frame{
  position:relative;border:1px solid var(--rule);
  padding:clamp(30px,5vw,66px) clamp(22px,4.5vw,58px);
  background:
    radial-gradient(120% 90% at 78% 10%, rgba(169,131,47,.075), transparent 62%),
    var(--paper);
}
.hero-frame::before{
  content:"";position:absolute;inset:7px;border:1px solid var(--foil);opacity:.4;pointer-events:none
}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);
  gap:clamp(26px,4vw,54px);align-items:center;position:relative;z-index:2}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr}}
.hero h1 em{font-style:normal;color:var(--brand);display:block}
.hero .lede{margin-top:20px}
.rosette{width:min(360px,90%);aspect-ratio:1/1;height:auto;margin-inline:auto;opacity:.92}
@media(max-width:880px){.rosette{display:none}}

.trustline{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:32px;padding-top:20px;
  border-top:1px solid var(--rule);font-family:var(--f-mono);font-size:.74rem;
  letter-spacing:.06em;color:var(--ink-soft);text-transform:uppercase}
.trustline span{display:flex;align-items:center;gap:8px}
.trustline span::before{content:"";width:5px;height:5px;background:var(--foil);transform:rotate(45deg);flex:none}

/* ---------- spread rail (signature) ---------- */
.spread{background:var(--paper-2)}
.rail{margin-top:34px;position:relative;padding:66px 0 62px}
.rail-line{height:1px;background:var(--rule);position:relative}
.tick{position:absolute;top:-11px;width:1px;height:23px;background:var(--ink-soft);opacity:.42}
.tick--you{background:var(--brand);opacity:1;width:2px;height:40px;top:-20px}
.rail-label{position:absolute;font-family:var(--f-mono);font-size:.7rem;letter-spacing:.08em;
  text-transform:uppercase;color:var(--ink-soft);white-space:nowrap}
.rail-label--you{top:-46px;color:var(--brand);font-weight:500}
.rail-label--range{bottom:-34px}
.rail-brace{position:absolute;left:0;right:0;bottom:-14px;height:10px;
  border:1px solid var(--rule);border-top:0}

/* ---------- cards ---------- */
.grid{display:grid;gap:clamp(16px,2vw,22px)}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(268px,1fr))}
.grid-4{grid-template-columns:repeat(auto-fit,minmax(226px,1fr))}

.card{background:var(--paper);border:1px solid var(--rule);padding:clamp(22px,2.6vw,30px);
  position:relative;transition:border-color .18s ease,transform .18s ease}
.card:hover{border-color:var(--foil)}
.card h3{margin-bottom:.5rem}
.card p{color:var(--ink-soft);font-size:.95rem;margin-bottom:0}
.card .tag{font-family:var(--f-mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;
  color:var(--foil);display:block;margin-bottom:.7rem}
.card--onPaper2{background:var(--paper)}

/* numbered steps — a real sequence */
.steps{counter-reset:s}
.step{position:relative;padding-left:60px;counter-increment:s}
.step::before{
  content:counter(s,decimal-leading-zero);position:absolute;left:0;top:2px;
  font-family:var(--f-mono);font-size:.86rem;color:var(--brand);
  border:1px solid var(--rule);width:40px;height:40px;display:grid;place-items:center;
}
.step h3{margin-bottom:.4rem}
.step p{color:var(--ink-soft);font-size:.95rem;margin-bottom:0}

/* ---------- dark panel ---------- */
.panel-dark{background:var(--brand-deep);color:var(--paper)}
.panel-dark h2,.panel-dark h3{color:var(--paper)}
.panel-dark .lede,.panel-dark p{color:rgba(242,234,220,.8)}
.panel-dark a{color:var(--foil-lift)}
.panel-dark .rule{border-top-color:var(--rule-dark);box-shadow:0 3px 0 -2px var(--rule-dark)}

.plans{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.plan{border:1px solid rgba(242,234,220,.34);padding:13px 22px;font-family:var(--f-mono);
  font-size:.86rem;letter-spacing:.07em;color:var(--paper)}
.plan strong{font-weight:500;color:var(--foil-lift)}

/* ---------- services list ---------- */
.services{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:0;
  border-top:1px solid var(--rule)}
.service{border-bottom:1px solid var(--rule);padding:22px 4px 22px 0;display:flex;gap:16px;align-items:flex-start}
.service .mark{font-family:var(--f-mono);font-size:.72rem;color:var(--foil);padding-top:4px;flex:none}
.service h3{font-size:1.02rem;margin-bottom:.25rem}
.service p{font-size:.9rem;color:var(--ink-soft);margin:0}

/* ---------- form ---------- */
.formcard{background:var(--paper);border:1px solid var(--rule);padding:clamp(24px,3.4vw,42px);position:relative}
.formcard::before{content:"";position:absolute;inset:6px;border:1px solid var(--foil);opacity:.3;pointer-events:none}
.formcard>*{position:relative}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
@media(max-width:620px){.frow{grid-template-columns:1fr}}
label{display:block;font-family:var(--f-mono);font-size:.7rem;letter-spacing:.11em;
  text-transform:uppercase;color:var(--ink-soft);margin-bottom:7px}
input,select,textarea{
  width:100%;font-family:var(--f-body);font-size:1rem;font-weight:300;color:var(--ink);
  background:var(--paper-2);border:1px solid var(--rule);padding:13px 14px;border-radius:0;
}
input:focus,select:focus,textarea:focus{border-color:var(--brand);background-color:var(--paper)}
select{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--brand) 50%),
  linear-gradient(135deg,var(--brand) 50%,transparent 50%);
  background-position:calc(100% - 20px) 50%,calc(100% - 14px) 50%;
  background-size:6px 6px,6px 6px;background-repeat:no-repeat}
.formerror{border:1px solid var(--brand);background:rgba(107,31,42,.06);
  padding:14px 18px;margin-bottom:22px}
.formerror p{margin:0;font-size:.94rem;color:var(--brand)}
.hp{position:absolute!important;left:-9999px!important;opacity:0;pointer-events:none}
.formdone h3{margin-bottom:.5rem}
.formdone p{color:var(--ink-soft);margin-bottom:0}
.form-note{font-size:.82rem;color:var(--ink-soft);margin:14px 0 0}
.or-call{margin-top:22px;font-family:var(--f-mono);font-size:.84rem;letter-spacing:.04em}

/* ---------- FAQ ---------- */
.faq details{border-bottom:1px solid var(--rule);padding:20px 0}
.faq details:first-of-type{border-top:1px solid var(--rule)}
.faq summary{font-family:var(--f-display);font-size:1.06rem;font-weight:600;cursor:pointer;
  list-style:none;display:flex;justify-content:space-between;gap:20px;align-items:baseline;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--f-mono);color:var(--brand);font-size:1.1rem;flex:none}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{color:var(--brand)}
.faq details p{margin:14px 0 0;color:var(--ink-soft);font-size:.96rem;max-width:var(--measure)}

/* ---------- callout ---------- */
.callout{border-left:2px solid var(--foil);padding:4px 0 4px 22px;margin:26px 0;
  font-size:1.02rem;color:var(--ink-soft);max-width:var(--measure)}

/* ---------- rate scout handoff ---------- */
.ratescout{background:var(--paper-2)}
.scout{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);
  gap:clamp(26px,4vw,54px);align-items:center;
  border:1px solid var(--rule);background:var(--paper);padding:clamp(26px,4vw,52px);position:relative}
.scout::before{content:"";position:absolute;inset:7px;border:1px solid var(--foil);opacity:.28;pointer-events:none}
.scout>*{position:relative}
@media(max-width:840px){.scout{grid-template-columns:1fr}.scout-plate{display:none}}
.scout-plate{border:1px solid var(--rule);background:var(--paper-2);padding:22px}
.plate-row{display:flex;align-items:center;gap:14px;margin-bottom:15px}
.plate-row span:first-child{font-family:var(--f-mono);font-size:.68rem;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-soft);width:62px;flex:none}
.plate-row .bar{height:7px;flex:1;background:linear-gradient(90deg,var(--brand) 0 var(--w),var(--rule) var(--w) 100%);opacity:.62}
.plate-foot{font-family:var(--f-mono);font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--foil);border-top:1px solid var(--rule);padding-top:13px;margin-top:19px}

/* ---------- CTA band ---------- */
.cta-band{background:var(--brand);color:var(--paper);text-align:center}
.cta-band h2{color:var(--paper)}
.cta-band p{color:rgba(242,234,220,.85);margin-inline:auto}
.cta-band .btnrow{justify-content:center}

/* ---------- footer ---------- */
.footer{background:var(--brand-deep);color:rgba(242,234,220,.78);font-size:.9rem;padding-block:clamp(44px,5vw,66px) 30px}
.footer h4{font-family:var(--f-body);font-weight:500;font-size:.72rem;letter-spacing:.2em;
  text-transform:uppercase;color:var(--foil-lift);margin-bottom:14px}
.footer a{color:rgba(242,234,220,.78)}
.footer a:hover{color:var(--paper)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:clamp(22px,3vw,40px)}
@media(max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}
.footer ul{list-style:none;margin:0;padding:0}
.footer li{margin-bottom:9px}
.footer .seal{width:52px;height:52px;margin-bottom:14px}
.disclosure{margin-top:38px;padding-top:26px;border-top:1px solid var(--rule-dark);
  font-size:.78rem;line-height:1.65;color:rgba(242,234,220,.6);max-width:none}
.disclosure p{margin-bottom:.9em;color:inherit}
.colophon{margin-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;
  font-family:var(--f-mono);font-size:.72rem;letter-spacing:.06em;color:rgba(242,234,220,.55)}

/* ---------- misc ---------- */
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:200;background:var(--brand);color:var(--paper);padding:12px 18px}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}

/* ============================================================
   ALTERNATE COLORWAYS
   To switch: replace the six color values in :root above.

   GOLD ON BLACK
     --paper:#12100D; --paper-2:#1B1814; --paper-3:#262119;
     --ink:#F2EADC; --ink-soft:#B9AC97;
     --brand:#C6A24B; --brand-deep:#0B0906; --brand-lift:#DCBB68;
     --foil:#C6A24B; --foil-lift:#E3C879; --rule:#3A332A;
     --rule-dark:rgba(242,234,220,.18);

   FOREST GREEN
     --paper:#F1EEE4; --paper-2:#E4E0D2; --paper-3:#D6D2C0;
     --ink:#161C17; --ink-soft:#4C574C;
     --brand:#1F4433; --brand-deep:#122A20; --brand-lift:#2C5D46;
     --foil:#A9832F; --foil-lift:#C9A85A; --rule:#C2C0AE;
   ============================================================ */