/* Northpoint IUL — Design System
   Plain CSS, no preprocessor. Mobile-first.
   Tone: anti-hype, plain-English, math-forward (per Marketing Plan §5 Option C/A voice). */

:root {
  --c-ink: #1a2530;
  --c-ink-soft: #344853;
  --c-muted: #6b7a83;
  --c-bg: #ffffff;
  --c-bg-soft: #f5f7f8;
  --c-bg-tint: #e7eef1;
  --c-line: #d8dfe3;
  --c-brand: #1a556a;
  --c-brand-deep: #0f3a49;
  --c-accent: #128bde;
  --c-success: #2c9337;
  --c-warn: #b8862c;
  --c-danger: #c4222a;

  --maxw: 1120px;
  --maxw-prose: 720px;
  --radius: 6px;
  --radius-lg: 10px;
  --shadow: 0 1px 2px rgba(15,30,40,0.06), 0 4px 14px rgba(15,30,40,0.06);
  --shadow-lg: 0 4px 12px rgba(15,30,40,0.08), 0 18px 40px rgba(15,30,40,0.10);

  --ff-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --ff-serif: "Charter", "Iowan Old Style", "Georgia", serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--ff-sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--c-ink);
  background: var(--c-bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--c-brand); text-decoration: none; }
a:hover { text-decoration: underline; }
p { margin: 0 0 1em; }
h1, h2, h3, h4 { color: var(--c-ink); line-height: 1.25; margin: 0 0 .5em; font-weight: 700; letter-spacing: -0.01em; }
h1 { font-size: clamp(1.9rem, 4.2vw, 2.6rem); }
h2 { font-size: clamp(1.45rem, 2.8vw, 1.85rem); margin-top: 1.6em; }
h3 { font-size: 1.2rem; margin-top: 1.4em; }
h4 { font-size: 1.05rem; }
hr { border: 0; border-top: 1px solid var(--c-line); margin: 2em 0; }
small, .small { font-size: 0.875rem; color: var(--c-muted); }

/* ---------- Layout ---------- */
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.container-prose { max-width: var(--maxw-prose); margin: 0 auto; padding: 0 20px; }
.section { padding: 56px 0; }
.section-sm { padding: 32px 0; }
.section-tint { background: var(--c-bg-soft); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.96);
  backdrop-filter: saturate(150%) blur(8px);
  border-bottom: 1px solid var(--c-line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 20px; max-width: var(--maxw); margin: 0 auto;
}
.brand {
  font-weight: 800; font-size: 1.15rem; letter-spacing: -0.01em;
  color: var(--c-ink); text-decoration: none;
}
.brand span { color: var(--c-brand); }
.nav-links { display: none; gap: 22px; align-items: center; }
.nav-links a { color: var(--c-ink-soft); font-weight: 500; font-size: 0.97rem; }
.nav-links a:hover { color: var(--c-brand); text-decoration: none; }
.nav-cta {
  background: var(--c-brand); color: #fff; padding: 9px 16px;
  border-radius: var(--radius); font-weight: 600; font-size: 0.95rem;
}
.nav-cta:hover { background: var(--c-brand-deep); text-decoration: none; }
.nav-toggle {
  background: none; border: 0; padding: 6px; cursor: pointer;
  font-size: 1.4rem; color: var(--c-ink);
}
@media (min-width: 820px) {
  .nav-links { display: flex; }
  .nav-toggle { display: none; }
}
.nav-mobile {
  display: none; padding: 12px 20px 18px;
  border-top: 1px solid var(--c-line); background: #fff;
}
.nav-mobile.open { display: block; }
.nav-mobile a { display: block; padding: 10px 0; color: var(--c-ink-soft); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, #fafcfd 0%, #eef4f6 100%);
  border-bottom: 1px solid var(--c-line);
  padding: 64px 0 56px;
}
.hero h1 { margin-bottom: 0.5em; }
.hero-lede { font-size: 1.15rem; color: var(--c-ink-soft); max-width: 580px; margin-bottom: 1.6em; }
.hero-cta-row { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
.hero-disclaim { margin-top: 18px; color: var(--c-muted); font-size: 0.9rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; padding: 12px 22px;
  border-radius: var(--radius); font-weight: 600; font-size: 1rem;
  border: 1px solid transparent; cursor: pointer; text-align: center;
  transition: background .15s ease, border-color .15s ease;
}
.btn-primary { background: var(--c-brand); color: #fff; }
.btn-primary:hover { background: var(--c-brand-deep); text-decoration: none; }
.btn-secondary { background: transparent; color: var(--c-brand); border-color: var(--c-brand); }
.btn-secondary:hover { background: var(--c-brand); color: #fff; text-decoration: none; }
.btn-ghost { background: transparent; color: var(--c-ink-soft); }
.btn-ghost:hover { color: var(--c-brand); }
.btn-block { display: block; width: 100%; }
.btn-lg { padding: 14px 28px; font-size: 1.05rem; }

/* ---------- Cards / Grid ---------- */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: 1fr; }
.grid-3 { grid-template-columns: 1fr; }
.grid-4 { grid-template-columns: 1fr; }
@media (min-width: 700px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1000px) {
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}
.card {
  background: #fff; border: 1px solid var(--c-line);
  border-radius: var(--radius-lg); padding: 22px;
  box-shadow: var(--shadow);
}
.card h3 { margin-top: 0; }
.card-tint { background: var(--c-bg-soft); border-color: transparent; box-shadow: none; }

/* ---------- Forms ---------- */
.form { display: grid; gap: 14px; }
.form label { font-weight: 600; font-size: 0.92rem; color: var(--c-ink); display: block; margin-bottom: 4px; }
.form input[type="text"],
.form input[type="email"],
.form input[type="tel"],
.form select,
.form textarea {
  width: 100%; padding: 11px 13px; font-size: 1rem; color: var(--c-ink);
  background: #fff; border: 1px solid var(--c-line); border-radius: var(--radius);
  font-family: inherit;
}
.form input:focus, .form select:focus, .form textarea:focus {
  outline: none; border-color: var(--c-brand);
  box-shadow: 0 0 0 3px rgba(26,85,106,0.15);
}
.form-row-2 { display: grid; gap: 14px; grid-template-columns: 1fr; }
@media (min-width: 560px) { .form-row-2 { grid-template-columns: 1fr 1fr; } }
.form-consent {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.85rem; color: var(--c-muted); line-height: 1.5;
}
.form-consent input[type="checkbox"] { margin-top: 4px; flex-shrink: 0; }
.form-error { color: var(--c-danger); font-size: 0.9rem; }
.form-success {
  background: #ecf6ed; border: 1px solid #b6dabc; color: #185324;
  padding: 14px 16px; border-radius: var(--radius);
}
.form-card {
  background: #fff; border: 1px solid var(--c-line); border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-lg);
}

/* ---------- Compliance / Disclaimer blocks ---------- */
.disclaim {
  background: #fdf7e6; border-left: 3px solid var(--c-warn);
  padding: 14px 18px; border-radius: var(--radius);
  font-size: 0.92rem; color: var(--c-ink-soft);
}
.disclaim strong { color: var(--c-ink); }
.note {
  background: var(--c-bg-soft); border-left: 3px solid var(--c-brand);
  padding: 14px 18px; border-radius: var(--radius);
  font-size: 0.95rem; color: var(--c-ink-soft);
}

/* ---------- Tables ---------- */
.tbl { width: 100%; border-collapse: collapse; margin: 1em 0; font-size: 0.95rem; }
.tbl th, .tbl td { padding: 10px 12px; border-bottom: 1px solid var(--c-line); text-align: left; vertical-align: top; }
.tbl th { background: var(--c-bg-soft); font-weight: 600; color: var(--c-ink); }

/* ---------- Prose pages ---------- */
.prose { font-size: 1.04rem; }
.prose h2 { padding-top: 8px; border-top: 1px solid var(--c-bg-tint); }
.prose ul, .prose ol { padding-left: 1.4em; margin: 0 0 1em; }
.prose li { margin-bottom: 0.4em; }
.prose blockquote {
  border-left: 3px solid var(--c-brand);
  padding: 4px 0 4px 18px; margin: 1.4em 0;
  color: var(--c-ink-soft); font-style: italic;
}

/* AEO answer box — surfaces the direct answer for AI engines */
.answer-box {
  background: #f4f9fb; border: 1px solid #cde3eb;
  padding: 18px 22px; border-radius: var(--radius-lg);
  margin: 1.6em 0;
}
.answer-box-label {
  display: inline-block; font-size: 0.78rem; font-weight: 700;
  letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--c-brand); margin-bottom: 6px;
}
.answer-box p:last-child { margin-bottom: 0; }

/* ---------- FAQ accordion ---------- */
.faq details {
  border-bottom: 1px solid var(--c-line); padding: 16px 0;
}
.faq summary {
  font-weight: 600; font-size: 1.05rem; cursor: pointer;
  list-style: none; position: relative; padding-right: 30px;
  color: var(--c-ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 0; top: -2px;
  font-size: 1.4rem; color: var(--c-brand); font-weight: 400;
}
.faq details[open] summary::after { content: "−"; }
.faq details > *:not(summary) { margin-top: 10px; color: var(--c-ink-soft); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--c-ink); color: #c5d2da;
  padding: 48px 0 28px; margin-top: 64px;
  font-size: 0.92rem;
}
.site-footer a { color: #e6eef2; }
.site-footer h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 14px; }
.footer-grid { display: grid; gap: 28px; grid-template-columns: 1fr; }
@media (min-width: 700px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }
.footer-bottom {
  margin-top: 36px; padding-top: 20px; border-top: 1px solid #2c3e49;
  font-size: 0.83rem; color: #91a2ac;
}

/* ---------- Landing page (paid traffic) — no nav, single CTA ---------- */
.lp-shell { background: #fafcfd; min-height: 100vh; }
.lp-header {
  padding: 18px 0; border-bottom: 1px solid var(--c-line);
  background: #fff;
}
.lp-header .container { display: flex; justify-content: space-between; align-items: center; }
.lp-header .brand { font-size: 1.05rem; }
.lp-header .phone { font-weight: 600; color: var(--c-ink); font-size: 0.95rem; }
.lp-hero { padding: 48px 0 32px; }
.lp-grid {
  display: grid; gap: 36px; grid-template-columns: 1fr;
  align-items: start;
}
@media (min-width: 900px) { .lp-grid { grid-template-columns: 1.1fr 0.9fr; } }
.lp-bullets { list-style: none; padding: 0; margin: 1.2em 0; }
.lp-bullets li {
  padding: 8px 0 8px 30px; position: relative; color: var(--c-ink-soft);
}
.lp-bullets li::before {
  content: "✓"; position: absolute; left: 0; top: 8px;
  color: var(--c-success); font-weight: 700;
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.mt-2 { margin-top: 2em; }
.mb-2 { margin-bottom: 2em; }
.hidden { display: none !important; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0;
}