/* ============================================================
   Reardon Benefits — main stylesheet
   Brand: deep navy (#16294d), gold (#c9a227), white / light gray
   Plain CSS on purpose: no build step, any developer can edit.
   ============================================================ */

:root {
  --navy: #16294d;
  --navy-dark: #0f1d38;
  --gold: #c9a227;
  --gold-dark: #a8861e;
  --white: #ffffff;
  --gray-50: #f7f8fa;
  --gray-200: #e5e8ee;
  --gray-600: #5b6474;
  --gray-800: #2b3242;
  --radius: 10px;
  --max-width: 1100px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--gray-800);
  line-height: 1.6;
  background: var(--white);
}

img { max-width: 100%; height: auto; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* ---------- Header ---------- */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 20px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
  text-decoration: none;
}

.brand img {
  height: 40px;
  width: auto;
  background: #fff;
  padding: 6px 16px;
  border-radius: 10px;
}

.brand-name {
  font-weight: 700;
  font-size: 1.15rem;
  letter-spacing: 0.02em;
  line-height: 1.2;
}

.brand-name small {
  display: block;
  font-weight: 400;
  font-size: 0.75rem;
  color: var(--gold);
  letter-spacing: 0.14em;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 22px;
}

.main-nav a {
  color: var(--white);
  text-decoration: none;
  font-size: 0.95rem;
}

.main-nav a:hover { color: var(--gold); }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--gold);
  color: var(--white);
  border-radius: 6px;
  padding: 6px 12px;
  font-size: 1rem;
  cursor: pointer;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: background 0.15s ease;
}

.btn-gold { background: var(--gold); color: var(--navy-dark); }
.btn-gold:hover { background: var(--gold-dark); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid var(--white);
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }

.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-dark); }

.btn-phone {
  background: var(--gold);
  color: var(--navy-dark);
  padding: 10px 20px;
  font-size: 0.95rem;
  white-space: nowrap;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: var(--white);
  padding: 84px 0 72px;
  text-align: center;
}

.hero h1 {
  font-size: 2.6rem;
  margin: 0 0 16px;
  line-height: 1.2;
}

.hero h1 .gold { color: var(--gold); }

.hero p.lead {
  font-size: 1.2rem;
  max-width: 640px;
  margin: 0 auto 32px;
  color: #d7dce6;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.hero-note {
  margin-top: 22px;
  font-size: 0.85rem;
  color: #9aa5bb;
}

/* ---------- Trust bar ---------- */
.trust-bar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  padding: 18px 0;
}

.trust-items {
  display: flex;
  justify-content: center;
  gap: 36px;
  flex-wrap: wrap;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy);
}

.trust-items span::before {
  content: "\2713  ";
  color: var(--gold);
  font-weight: 700;
}

/* ---------- Sections ---------- */
.section { padding: 72px 0; }
.section.alt { background: var(--gray-50); }

.section h2 {
  text-align: center;
  color: var(--navy);
  font-size: 2rem;
  margin: 0 0 12px;
}

.section .section-sub {
  text-align: center;
  color: var(--gray-600);
  max-width: 640px;
  margin: 0 auto 44px;
}

/* ---------- Cards ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 32px 28px;
}

.card h3 {
  color: var(--navy);
  margin: 0 0 10px;
  font-size: 1.25rem;
}

.card p { margin: 0; color: var(--gray-600); }

.card .card-icon {
  font-size: 2rem;
  margin-bottom: 12px;
}

/* ---------- Steps ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  counter-reset: step;
}

.step {
  text-align: center;
  padding: 12px;
}

.step-number {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-weight: 700;
  font-size: 1.4rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.step h3 { color: var(--navy); margin: 0 0 8px; }
.step p { color: var(--gray-600); margin: 0; }

/* ---------- About ---------- */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.about-grid h2 { text-align: left; }

.about-grid img {
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
}

/* ---------- FAQ ---------- */
.faq { max-width: 760px; margin: 0 auto; }

.faq details {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 12px;
  background: var(--white);
}

.faq summary {
  padding: 18px 22px;
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
  list-style: none;
}

.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  float: right;
  color: var(--gold);
  font-size: 1.3rem;
}
.faq details[open] summary::after { content: "\2013"; }

.faq .faq-body {
  padding: 0 22px 20px;
  color: var(--gray-600);
}

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: start;
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 36px 32px;
}

.form-field { margin-bottom: 18px; }

.form-field label {
  display: block;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--navy);
  font-size: 0.95rem;
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  font-size: 1rem;
  font-family: inherit;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: 2px solid var(--gold);
  border-color: var(--gold);
}

.consent-box {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.82rem;
  color: var(--gray-600);
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 14px;
  margin-bottom: 18px;
}

.consent-box input {
  margin-top: 4px;
  flex-shrink: 0;
}

.form-notice {
  display: none;
  background: #fff8e1;
  border: 1px solid var(--gold);
  border-radius: 8px;
  padding: 14px 16px;
  margin-bottom: 18px;
  font-size: 0.95rem;
}

.contact-info h3 { color: var(--navy); margin-top: 0; }

.contact-info .phone-big {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
}

.contact-info .phone-big:hover { color: var(--gold-dark); }

/* ---------- Thank you ---------- */
.thankyou {
  text-align: center;
  padding: 96px 0;
}

.thankyou .check {
  width: 84px;
  height: 84px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold);
  font-size: 2.6rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
}

.thankyou h1 { color: var(--navy); }

/* ---------- Disclosures ---------- */
.disclosures {
  background: var(--navy-dark);
  color: #b9c2d4;
  padding: 48px 0;
  font-size: 0.82rem;
}

.disclosures p { margin: 0 0 12px; }
.disclosures strong { color: var(--white); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-dark);
  color: #8b96ab;
  padding: 28px 0;
  font-size: 0.85rem;
  border-top: 1px solid #24365c;
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

.site-footer a { color: #b9c2d4; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }

/* ---------- Privacy page ---------- */
.privacy-content {
  max-width: 800px;
  margin: 0 auto;
  padding: 56px 20px 72px;
}

.privacy-content h1 { color: var(--navy); }
.privacy-content h2 { color: var(--navy); margin-top: 32px; font-size: 1.3rem; }
.privacy-content .effective { color: var(--gray-600); font-style: italic; }

/* ---------- Responsive ---------- */
@media (max-width: 820px) {
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    flex-direction: column;
    padding: 16px 20px 24px;
    gap: 14px;
    align-items: flex-start;
  }
  .main-nav.open { display: flex; }
  .nav-toggle { display: block; }
  .hero h1 { font-size: 2rem; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}