/* Stability First Financial Group — shared styles for standalone pages
   (privacy, terms, and future split-out pages). index.html still carries its
   own inline prototype CSS; migrate it here when it is refactored. */

:root{
  --navy:#16355F;
  --navy-ink:#0E2547;
  --cyan:#17ABCB;
  --cyan-deep:#0E8DB0;
  --gold:#D9A93C;
  --ice:#EAF4FA;
  --paper:#FFFFFF;
  --slate:#43536B;
  --radius:10px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;color:var(--navy-ink);background:var(--paper);line-height:1.6;font-size:17px}
h1,h2,h3,.disp{font-family:'Archivo',sans-serif;line-height:1.14;letter-spacing:-.01em}
img{max-width:100%;display:block}
a{color:var(--cyan-deep)}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Archivo',sans-serif;font-weight:700;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--cyan-deep)}
.gold-rule{width:64px;height:3px;background:var(--gold);margin:18px 0 22px}
.btn{display:inline-block;font-family:'Archivo',sans-serif;font-weight:700;font-size:1rem;text-decoration:none;padding:16px 30px;border-radius:8px;transition:transform .15s ease, box-shadow .15s ease}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{transform:translateY(-2px)}
a:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:2px}

/* SKIP LINK */
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:10px 16px;border-radius:0 0 8px 0;z-index:100;font-weight:700}
.skip:focus{left:0}

/* NAV (shared with home) */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid #E3ECF3}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px}
.nav-logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.nav-logo img{height:52px;width:auto}
.nav-links{display:flex;gap:28px;list-style:none;align-items:center}
.nav-links a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--navy);padding:6px 0;border-bottom:2px solid transparent}
.nav-links a:hover{border-bottom-color:var(--cyan)}
.nav-cta{background:var(--navy);color:#fff !important;padding:11px 20px;border-radius:8px;border-bottom:none !important}
.nav-cta:hover{background:var(--cyan)}
.hamburger{display:none;background:none;border:none;font-size:1.7rem;color:var(--navy);cursor:pointer}

/* PAGE HEADER BAND */
.pagehead{background:linear-gradient(160deg,var(--navy-ink) 0%,var(--navy) 60%,#1C4A7E 100%);color:#fff;position:relative;overflow:hidden}
.pagehead::after{content:"";position:absolute;right:-140px;top:-160px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(23,171,203,.26),transparent 65%)}
.pagehead-inner{position:relative;z-index:1;padding:72px 0 56px;max-width:820px}
.pagehead .eyebrow{color:var(--gold)}
.pagehead h1{font-size:clamp(2rem,4.6vw,3.1rem);font-weight:900;margin-top:12px}
.pagehead .meta{margin-top:18px;color:#C9DAEA;font-size:.98rem}
.pagehead .meta b{color:#fff;font-weight:600}

/* LEGAL BODY */
.legal{padding:64px 0 40px}
.legal-grid{display:grid;grid-template-columns:1fr;gap:0;max-width:820px;margin:0 auto}
.legal section{margin-bottom:38px;scroll-margin-top:96px}
.legal h2{font-size:1.32rem;font-weight:800;color:var(--navy);margin-bottom:12px}
.legal h2 .num{color:var(--cyan-deep)}
.legal h3{font-size:1.02rem;font-weight:700;color:var(--navy);margin:20px 0 8px}
.legal p{margin:0 0 14px;color:var(--slate)}
.legal ul{margin:0 0 16px;padding-left:0;list-style:none}
.legal li{position:relative;padding-left:26px;margin-bottom:9px;color:var(--slate)}
.legal li::before{content:"";position:absolute;left:4px;top:.62em;width:7px;height:7px;border-radius:50%;background:var(--cyan)}
.legal a{color:var(--cyan-deep);text-decoration:underline;text-underline-offset:2px}
.legal a:hover{color:var(--navy)}
.legal strong{color:var(--navy-ink)}

.intro-note{background:var(--ice);border-radius:var(--radius);padding:20px 24px;margin-bottom:40px;font-size:.95rem;color:var(--slate)}

/* SMS OPT-IN CALLOUT (privacy §4) */
.sms{border-left:4px solid var(--cyan);background:var(--ice);border-radius:0 var(--radius) var(--radius) 0;padding:24px 26px}
.sms h2{margin-bottom:14px}
.kw{display:inline-block;font-family:'Archivo',sans-serif;font-weight:800;letter-spacing:.04em;background:var(--navy);color:#fff;padding:1px 9px;border-radius:5px;font-size:.86em}

/* CONTACT BLOCK */
.contact-card{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px 30px;margin-top:6px}
.contact-card p{color:#D4E4F2;margin:0 0 4px}
.contact-card .name{font-family:'Archivo',sans-serif;font-weight:700;color:#fff;font-size:1.05rem;margin-bottom:8px}
.contact-card a{color:#fff;text-decoration:underline}
.contact-card a:hover{color:var(--gold)}

/* FINAL CTA */
.cta{background:linear-gradient(135deg,var(--cyan-deep),var(--cyan));color:#fff;padding:72px 0;text-align:center}
.cta h2{font-size:clamp(1.7rem,3.4vw,2.4rem);font-weight:800;max-width:720px;margin:0 auto 14px}
.cta p{max-width:560px;margin:0 auto 30px;color:#E7F7FC}
.cta .btn-navy{box-shadow:0 8px 22px rgba(14,37,71,.35)}
.cta-note{margin-top:18px;font-size:.9rem;color:#DDF3F9;font-style:italic}

/* FOOTER (shared with home) */
footer{background:var(--navy-ink);color:#9FBCD8;padding:56px 0 36px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:44px;margin-bottom:40px}
footer .foot-logo{height:64px;width:auto;margin-bottom:16px;filter:brightness(0) invert(1);opacity:.9}
footer h4{font-family:'Archivo',sans-serif;color:#fff;font-size:.95rem;margin-bottom:14px;letter-spacing:.06em;text-transform:uppercase}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:#9FBCD8;text-decoration:none}
footer a:hover{color:var(--cyan)}
.compliance{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.8rem;line-height:1.7;color:#7C97B5}
.compliance a{color:#9FBCD8;text-decoration:underline}
.compliance a:hover{color:var(--cyan)}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none !important;scroll-behavior:auto}}
@media (max-width:940px){
  .nav-links{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;gap:16px;border-bottom:1px solid #E3ECF3}
  .nav-links.open{display:flex}
  .hamburger{display:block}
  .foot-grid{grid-template-columns:1fr}
  .pagehead-inner{padding:56px 0 44px}
}
@media print{
  header,.cta,footer,.skip{display:none !important}
  .pagehead{background:none;color:#000}
  .pagehead .eyebrow,.pagehead .meta,.pagehead .meta b{color:#000}
  body{font-size:12pt}
  .legal a{color:#000}
  .sms,.intro-note{background:#f2f2f2}
  .contact-card{background:#fff;color:#000;border:1px solid #999}
  .contact-card p,.contact-card .name,.contact-card a{color:#000}
}

/* ============================================================
   CONTENT / PRODUCT PAGES (life-insurance, iul, about, cdl, …)
   Shared components so every product page reads as one system.
   ============================================================ */
.pagehead h1 .alive{color:var(--cyan)}
.pagehead .lead{margin-top:20px;color:#D4E4F2;font-size:1.12rem;max-width:640px}

.section{padding:64px 0}
.section.ice{background:var(--ice)}
.section-head{max-width:720px;margin:0 auto 40px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head h2{font-size:clamp(1.7rem,3.2vw,2.3rem);font-weight:800;color:var(--navy)}
.section-head h2 .alive{color:var(--cyan-deep)}
.section-head p{margin-top:12px;color:var(--slate)}

.prose{max-width:760px;margin:0 auto}
.prose p{color:var(--slate);margin:0 0 16px}
.prose p.big{font-size:1.14rem;color:var(--navy-ink)}
.prose strong{color:var(--navy-ink)}

/* tier / feature cards (e.g. Term / Whole / IUL) */
.tiers{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;align-items:start}
.tier{background:#fff;border-radius:var(--radius);padding:28px 26px;border-top:4px solid var(--cyan);box-shadow:0 4px 14px rgba(14,37,71,.06)}
.tier h3{font-size:1.2rem;color:var(--navy);margin-bottom:10px}
.tier > p{color:var(--slate);font-size:.96rem;margin-bottom:16px}
.tier ul{list-style:none;margin:0}
.tier li{position:relative;padding-left:26px;margin-bottom:10px;color:var(--navy-ink);font-size:.95rem}
.tier li::before{content:"✓";position:absolute;left:2px;top:0;color:var(--cyan-deep);font-weight:800}

/* accent callout + muted disclosure block */
.callout{max-width:820px;margin:30px auto 0;background:var(--cyan);color:#fff;border-radius:var(--radius);padding:22px 28px;font-family:'Archivo',sans-serif;font-weight:600;font-size:1.1rem;line-height:1.5;text-align:center}
.callout.soft{background:var(--ice);color:var(--navy-ink);border-left:4px solid var(--cyan);border-radius:0 var(--radius) var(--radius) 0;text-align:left;font-family:'Inter',sans-serif;font-weight:500;font-size:1.02rem}
.disclosure{max-width:820px;margin:28px auto 0;font-size:.82rem;line-height:1.7;color:var(--slate);background:#F6F9FC;border:1px solid #E3ECF3;border-radius:var(--radius);padding:18px 22px}
.disclosure strong{color:var(--navy)}

/* standalone lists for prose sections */
.checklist{list-style:none;margin:18px 0;max-width:760px}
.checklist li{position:relative;padding-left:30px;margin-bottom:12px;color:var(--navy-ink)}
.checklist li::before{content:"✓";position:absolute;left:2px;top:0;color:var(--cyan-deep);font-weight:800}
.dotlist{list-style:none;margin:18px 0;max-width:760px}
.dotlist li{position:relative;padding-left:26px;margin-bottom:11px;color:var(--slate)}
.dotlist li::before{content:"";position:absolute;left:4px;top:.6em;width:7px;height:7px;border-radius:50%;background:var(--cyan)}
.prose .checklist,.prose .dotlist{margin-left:0}

/* inline content photo */
.photo{border-radius:var(--radius);box-shadow:0 8px 26px rgba(14,37,71,.14);margin:26px auto;width:100%;max-width:760px;height:auto}

@media (max-width:860px){.tiers{grid-template-columns:1fr}}