/* AnnuityEducationResource.com — Live Free Insurance Group
   Palette: Navy #104060 | Orange #F37022 | Teal #00A3C3 | White | Light Gray #F5F5F5 */

:root {
  --navy: #104060;
  --navy-deep: #0B2F47;
  --orange: #F37022;
  --orange-dark: #D95E14;
  --teal: #00A3C3;
  --teal-soft: #E5F6FA;
  --white: #FFFFFF;
  --gray: #F5F5F5;
  --ink: #1C2B36;
  --ink-soft: #43586A;
  --line: #DCE4EA;
  --radius: 10px;
  --max: 1120px;
  --font-display: 'Montserrat', 'Segoe UI', Arial, sans-serif;
  --font-body: 'Inter', 'Segoe UI', Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(1.9rem, 5vw, 3rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.1rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin-bottom: 1em; }
a { color: var(--teal); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--teal); outline-offset: 2px; }

/* Eyebrow label */
.eyebrow {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
}

/* Buttons */
.btn {
  display: inline-block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  text-align: center;
  border: none;
  border-radius: var(--radius);
  padding: 15px 28px;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.1s ease;
}
.btn-orange { background: var(--orange); color: var(--white); }
.btn-orange:hover { background: var(--orange-dark); }
.btn-ghost { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.5); }
.btn-ghost:hover { border-color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-deep); }
.btn-block { display: block; width: 100%; }

/* Header */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 50;
  box-shadow: 0 2px 6px rgba(11,47,71,0.25);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 20px;
  max-width: var(--max);
  margin: 0 auto;
}
.brand {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--white);
  text-decoration: none;
  line-height: 1.2;
}
.brand span { color: var(--teal); }
.nav-links { display: none; list-style: none; align-items: center; gap: 26px; }
.nav-links a { color: #DCE9F2; text-decoration: none; font-weight: 600; font-size: 0.95rem; }
.nav-links a:hover { color: var(--white); }
.nav-links .btn { padding: 10px 20px; font-size: 0.9rem; }
.nav-toggle {
  background: none; border: 2px solid rgba(255,255,255,0.4);
  border-radius: 8px; color: var(--white);
  font-size: 1.3rem; line-height: 1; padding: 6px 12px; cursor: pointer;
}
.mobile-menu { display: none; background: var(--navy-deep); padding: 10px 20px 20px; }
.mobile-menu.open { display: block; }
.mobile-menu a {
  display: block; color: #DCE9F2; text-decoration: none;
  font-weight: 600; padding: 12px 4px; border-bottom: 1px solid rgba(255,255,255,0.08);
}
.mobile-menu .btn { margin-top: 14px; border: none; }

@media (min-width: 900px) {
  .nav-links { display: flex; }
  .nav-toggle { display: none; }
  .mobile-menu { display: none !important; }
}

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: var(--white);
  padding: 72px 0 64px;
}
.hero h1 { color: var(--white); max-width: 720px; }
.hero .sub { font-size: 1.2rem; color: #C9DCE9; max-width: 620px; margin: 18px 0 30px; }
.hero .cta-row { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-note { margin-top: 18px; font-size: 0.9rem; color: #9DBBCE; }

/* Trust bar */
.trust-bar { background: var(--navy-deep); color: var(--white); padding: 22px 0; }
.trust-grid { display: grid; gap: 18px; grid-template-columns: 1fr; }
.trust-item { display: flex; align-items: center; gap: 14px; }
.avatar {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--teal); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 800; font-size: 1.1rem;
  flex-shrink: 0;
}
.avatar.eg { background: var(--orange); }
.avatar-photo {
  width: 56px; height: 56px; border-radius: 50%;
  object-fit: cover; object-position: top;
  border: 3px solid var(--teal); flex-shrink: 0;
}
.avatar-photo.lg { width: 96px; height: 96px; margin-bottom: 16px; }
.avatar-photo.eg { border-color: var(--orange); }
.featured-state {
  display: block; text-decoration: none;
  background: var(--white); border: 1px solid var(--line);
  border-top: 4px solid var(--orange); border-radius: var(--radius);
  padding: 26px;
}
.featured-state h3 { margin-bottom: 6px; }
.featured-state p { color: var(--ink-soft); font-size: 0.95rem; margin: 0; }
.avatar-photo {
  width: 56px; height: 56px; border-radius: 50%;
  object-fit: cover; object-position: top;
  border: 3px solid var(--teal); flex-shrink: 0;
}
.avatar-photo.lg { width: 96px; height: 96px; margin-bottom: 16px; }
.avatar-photo.eg { border-color: var(--orange); }
.featured-state {
  display: block; text-decoration: none;
  background: var(--white); border: 1px solid var(--line);
  border-top: 4px solid var(--orange); border-radius: var(--radius);
  padding: 26px;
}
.featured-state h3 { margin-bottom: 6px; }
.featured-state p { color: var(--ink-soft); font-size: 0.95rem; margin: 0; }
.trust-item strong { display: block; font-family: var(--font-display); }
.trust-item small { color: #B7CEDD; font-size: 0.85rem; }
.badge-row { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }
.badge {
  background: rgba(0,163,195,0.18); border: 1px solid var(--teal);
  color: #BFEAF3; border-radius: 999px;
  font-size: 0.78rem; font-weight: 600; padding: 5px 12px;
}
@media (min-width: 760px) { .trust-grid { grid-template-columns: 1fr 1fr 1.2fr; align-items: center; } }

/* Sections */
.section { padding: 64px 0; }
.section.alt { background: var(--gray); }
.section-head { max-width: 700px; margin-bottom: 36px; }
.grid-3 { display: grid; gap: 22px; grid-template-columns: 1fr; }
@media (min-width: 800px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
.grid-2 { display: grid; gap: 22px; grid-template-columns: 1fr; }
@media (min-width: 800px) { .grid-2 { grid-template-columns: 1fr 1fr; } }

.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.card h3 { margin-bottom: 8px; }
.card .card-link { font-weight: 700; text-decoration: none; }
.card-tab { border-top: 4px solid var(--teal); }
.card-tab.orange { border-top-color: var(--orange); }
.card-tab.navy { border-top-color: var(--navy); }

/* Plain Talk box — the site's signature element */
.plain-talk {
  background: var(--teal-soft);
  border-left: 5px solid var(--teal);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 16px 20px;
  margin: 20px 0;
}
.plain-talk .pt-label {
  font-family: var(--font-display);
  font-weight: 800; font-size: 0.75rem;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--teal); display: block; margin-bottom: 4px;
}
.plain-talk p { margin: 0; }

/* CTA band */
.cta-band { background: var(--navy); color: var(--white); padding: 56px 0; }
.cta-band h2 { color: var(--white); }
.cta-band p { color: #C9DCE9; max-width: 600px; }
.cta-band .btn { margin-top: 8px; }

/* Content pages */
.page-hero { background: var(--navy); color: var(--white); padding: 52px 0 44px; }
.page-hero h1 { color: var(--white); }
.page-hero p { color: #C9DCE9; max-width: 680px; margin-top: 12px; }
.content { max-width: 760px; }
.content h2 { margin: 40px 0 14px; }
.content h3 { margin: 28px 0 10px; }
.content ul, .content ol { margin: 0 0 1.2em 1.3em; }
.content li { margin-bottom: 8px; }
.content table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 0.95rem; }
.content th { background: var(--navy); color: var(--white); text-align: left; padding: 10px 12px; font-family: var(--font-display); font-size: 0.85rem; }
.content td { padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.content tr:nth-child(even) td { background: var(--gray); }

/* Fact rows on state pages */
.fact-list { list-style: none; margin: 0 0 24px !important; }
.fact-list li {
  display: grid; gap: 4px;
  padding: 16px 0; border-bottom: 1px solid var(--line);
  margin: 0 !important;
}
.fact-list .fact-label {
  font-family: var(--font-display); font-weight: 700;
  color: var(--navy); font-size: 0.95rem;
}
@media (min-width: 700px) {
  .fact-list li { grid-template-columns: 240px 1fr; gap: 20px; }
}

/* Quiz */
.quiz-shell { max-width: 640px; margin: 0 auto; }
.quiz-progress { height: 8px; background: var(--line); border-radius: 999px; overflow: hidden; margin-bottom: 28px; }
.quiz-progress-fill { height: 100%; background: var(--teal); width: 0%; transition: width 0.25s ease; }
.quiz-step { display: none; }
.quiz-step.active { display: block; }
.quiz-q {
  font-family: var(--font-display); font-weight: 800;
  font-size: 1.4rem; color: var(--navy); margin-bottom: 20px;
}
.quiz-options { display: grid; gap: 12px; }
.quiz-opt {
  text-align: left; background: var(--white);
  border: 2px solid var(--line); border-radius: var(--radius);
  padding: 16px 18px; font-size: 1.05rem; font-family: var(--font-body);
  color: var(--ink); cursor: pointer; transition: border-color 0.12s ease, background 0.12s ease;
}
.quiz-opt:hover { border-color: var(--teal); background: var(--teal-soft); }
.quiz-back { background: none; border: none; color: var(--ink-soft); font-size: 0.9rem; cursor: pointer; margin-top: 22px; text-decoration: underline; }
.quiz-count { font-size: 0.85rem; color: var(--ink-soft); margin-bottom: 8px; font-weight: 600; }

/* Forms */
.form-grid { display: grid; gap: 16px; }
.form-grid label { font-weight: 700; font-family: var(--font-display); font-size: 0.9rem; color: var(--navy); display: block; margin-bottom: 6px; }
.form-grid input, .form-grid select, .form-grid textarea {
  width: 100%; padding: 13px 14px;
  border: 2px solid var(--line); border-radius: 8px;
  font-size: 1rem; font-family: var(--font-body); color: var(--ink);
}
.form-grid input:focus, .form-grid select:focus, .form-grid textarea:focus { border-color: var(--teal); outline: none; }
.tcpa { display: flex; gap: 10px; align-items: flex-start; font-size: 0.85rem; color: var(--ink-soft); }
.tcpa input { width: auto; margin-top: 4px; }
.form-note { font-size: 0.85rem; color: var(--ink-soft); }
.result-card {
  border: 2px solid var(--teal); border-radius: var(--radius);
  padding: 28px; background: var(--teal-soft); margin-top: 10px;
}
.result-card h2 { margin-bottom: 10px; }

/* Calculator */
.calc-result {
  background: var(--navy); color: var(--white);
  border-radius: var(--radius); padding: 26px; text-align: center; margin-top: 20px;
}
.calc-result .big { font-family: var(--font-display); font-weight: 800; font-size: 2rem; color: var(--white); }
.calc-result small { color: #B7CEDD; }

/* Video / embed placeholders */
.embed-slot {
  background: var(--navy-deep); color: #B7CEDD;
  border-radius: var(--radius);
  aspect-ratio: 16 / 9;
  display: flex; align-items: center; justify-content: center;
  text-align: center; padding: 20px; font-size: 0.95rem;
}

/* Footer */
.site-footer { background: var(--navy-deep); color: #B7CEDD; padding: 48px 0 32px; font-size: 0.9rem; }
.footer-grid { display: grid; gap: 30px; grid-template-columns: 1fr; margin-bottom: 32px; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.site-footer h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 12px; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 8px; }
.site-footer a { color: #B7CEDD; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.disclosure {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 22px; font-size: 0.8rem; line-height: 1.7; color: #8FA9BB;
}
.disclosure p { margin-bottom: 10px; }

/* Utility */
.mt-2 { margin-top: 20px; }
.center { text-align: center; }
.divider { height: 4px; width: 64px; background: var(--teal); border: none; border-radius: 2px; margin: 18px 0; }