/* Compass Life Group — shared site styles
   Aesthetic: warm editorial "policy document" — cream paper, navy ink, gold foil. */
:root{
  --navy:#0C1E38; --navy-2:#14304F; --ink:#1C2430; --ink-soft:#46505E;
  --gold:#C8963E; --gold-deep:#A97C2B; --gold-light:#E8C888;
  --paper:#FAF6EE; --paper-2:#F3ECDD; --white:#FFFFFF;
  --line:#E3D9C4; --green:#3A7D5C;
  --maxw:1140px; --radius:14px;
  --serif:'Fraunces', Georgia, serif;
  --sans:'Instrument Sans', 'Helvetica Neue', Arial, sans-serif;
}
*{box-sizing:border-box; margin:0; padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--sans); color:var(--ink); background:var(--paper); line-height:1.6; -webkit-font-smoothing:antialiased;}
h1,h2,h3,h4{font-family:var(--serif); font-weight:600; letter-spacing:-0.01em; color:var(--navy); line-height:1.15;}
img{max-width:100%; display:block;}
a{color:inherit;}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 24px;}

/* ── buttons ── */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:9px;
  background:var(--navy); color:var(--white); font-weight:600; font-family:var(--sans);
  padding:15px 30px; border-radius:10px; text-decoration:none; font-size:1rem;
  border:none; cursor:pointer; transition:background .2s, transform .2s, box-shadow .2s;
}
.btn:hover{background:var(--navy-2); transform:translateY(-1px); box-shadow:0 10px 24px -10px rgba(12,30,56,.5);}
.btn.gold{background:var(--gold); color:var(--navy);}
.btn.gold:hover{background:var(--gold-deep); color:var(--white);}
.btn.line{background:transparent; color:var(--navy); border:1.5px solid var(--navy); box-shadow:none;}
.btn.line:hover{background:var(--navy); color:var(--white);}
.eyebrow{
  display:inline-block; font-size:.75rem; font-weight:700; letter-spacing:.14em;
  text-transform:uppercase; color:var(--gold-deep); margin-bottom:16px;
}
.eyebrow::before{content:''; display:inline-block; width:26px; height:1px; background:var(--gold); vertical-align:middle; margin-right:10px;}

/* ── nav ── */
.site-nav{position:sticky; top:0; z-index:60; background:rgba(250,246,238,.94); backdrop-filter:blur(10px); border-bottom:1px solid var(--line);}
.site-nav .wrap{display:flex; align-items:center; justify-content:space-between; padding:14px 24px; gap:18px;}
.brand{display:flex; align-items:center; gap:11px; text-decoration:none;}
.brand-mark{
  width:38px; height:38px; border-radius:50%; flex-shrink:0;
  background:radial-gradient(circle at 32% 28%, var(--gold-light), var(--gold) 55%, var(--gold-deep));
  display:flex; align-items:center; justify-content:center;
  color:var(--navy); font-family:var(--serif); font-weight:700; font-size:1.15rem;
  box-shadow:inset 0 0 0 2px rgba(12,30,56,.18);
}
.brand-name{font-family:var(--serif); font-weight:600; font-size:1.12rem; color:var(--navy); line-height:1.05;}
.brand-name small{display:block; font-family:var(--sans); font-weight:600; font-size:.62rem; letter-spacing:.22em; text-transform:uppercase; color:var(--gold-deep);}
.nav-links{display:flex; align-items:center; gap:26px; font-size:.93rem; font-weight:600;}
.nav-links a{text-decoration:none; color:var(--ink-soft);}
.nav-links a:hover, .nav-links a[aria-current]{color:var(--navy);}
.nav-phone{
  display:inline-flex; align-items:center; gap:8px; background:var(--navy); color:var(--white);
  padding:10px 18px; border-radius:9px; text-decoration:none; font-weight:600; font-size:.9rem;
}
.nav-phone:hover{background:var(--navy-2);}
.nav-toggle{display:none; background:none; border:1.5px solid var(--line); border-radius:8px; padding:8px 12px; font-size:1.05rem; cursor:pointer; color:var(--navy);}

/* ── page hero (interior pages) ── */
.page-hero{background:var(--navy); color:var(--white); padding:72px 0 64px; position:relative; overflow:hidden;}
.page-hero::before{
  content:''; position:absolute; inset:0; opacity:.5; pointer-events:none;
  background-image:repeating-radial-gradient(circle at 110% -20%, transparent 0, transparent 38px, rgba(200,150,62,.09) 39px, transparent 40px);
}
.page-hero .crumbs{font-size:.8rem; color:rgba(255,255,255,.55); margin-bottom:18px;}
.page-hero .crumbs a{color:rgba(255,255,255,.75); text-decoration:none;}
.page-hero .crumbs a:hover{color:var(--gold-light);}
.page-hero h1{color:var(--white); font-size:clamp(1.9rem, 3.8vw, 2.9rem); max-width:760px;}
.page-hero p.lede{color:rgba(255,255,255,.8); font-size:1.1rem; max-width:640px; margin-top:16px;}
.page-hero .hero-ctas{display:flex; gap:14px; flex-wrap:wrap; margin-top:28px;}

/* ── prose (long-form pages) ── */
.prose{max-width:720px;}
.prose h2{font-size:clamp(1.45rem, 2.6vw, 1.9rem); margin:52px 0 16px; padding-top:8px;}
.prose h3{font-size:1.15rem; margin:32px 0 10px;}
.prose p{margin-bottom:16px; color:var(--ink-soft); font-size:1.02rem;}
.prose ul, .prose ol{margin:0 0 18px 22px; color:var(--ink-soft);}
.prose li{margin-bottom:8px;}
.prose strong{color:var(--ink);}
.prose a{color:var(--navy); text-decoration:underline; text-decoration-color:var(--gold); text-underline-offset:3px;}
.prose a:hover{color:var(--gold-deep);}
.layout{display:grid; grid-template-columns:1fr 320px; gap:56px; padding:64px 0 88px; align-items:start;}

/* ── sticky side card ── */
.side-card{
  position:sticky; top:92px; background:var(--white); border:1px solid var(--line);
  border-radius:var(--radius); padding:28px; box-shadow:0 24px 50px -30px rgba(12,30,56,.25);
}
.side-card::before{content:''; display:block; height:4px; margin:-28px -28px 22px; border-radius:var(--radius) var(--radius) 0 0; background:linear-gradient(90deg, var(--gold-deep), var(--gold-light));}
.side-card h3{font-size:1.2rem; margin-bottom:6px;}
.side-card p{font-size:.9rem; color:var(--ink-soft); margin-bottom:18px;}
.side-card .btn{width:100%; margin-bottom:10px;}
.side-card ul{list-style:none; margin-top:16px;}
.side-card li{display:flex; gap:9px; font-size:.88rem; color:var(--ink-soft); padding:7px 0; border-top:1px solid var(--paper-2);}
.side-card li b{color:var(--gold-deep);}

/* ── tables ── */
.tbl-scroll{overflow-x:auto; margin:22px 0; border:1px solid var(--line); border-radius:12px; background:var(--white);}
table.data{width:100%; border-collapse:collapse; font-size:.93rem; min-width:520px;}
table.data th{
  background:var(--navy); color:var(--white); text-align:left; padding:12px 16px;
  font-family:var(--sans); font-weight:600; font-size:.82rem; letter-spacing:.04em; text-transform:uppercase;
}
table.data td{padding:12px 16px; border-top:1px solid var(--paper-2); color:var(--ink-soft);}
table.data tr:nth-child(even) td{background:#FCFAF4;}
table.data td:first-child{font-weight:600; color:var(--ink);}
.tbl-note{font-size:.8rem; color:#8a8375; margin-top:-12px; margin-bottom:22px;}

/* ── callouts ── */
.note{
  background:var(--white); border:1px solid var(--line); border-left:4px solid var(--gold);
  border-radius:0 12px 12px 0; padding:18px 22px; margin:24px 0; font-size:.95rem; color:var(--ink-soft);
}
.note b{color:var(--navy);}
.cta-band{
  background:var(--navy); color:var(--white); border-radius:16px; padding:34px 36px; margin:44px 0;
  display:flex; align-items:center; justify-content:space-between; gap:24px; flex-wrap:wrap;
  position:relative; overflow:hidden;
}
.cta-band::before{content:''; position:absolute; right:-40px; top:-40px; width:200px; height:200px; border-radius:50%; border:1px solid rgba(200,150,62,.35);}
.cta-band::after{content:''; position:absolute; right:-10px; top:-70px; width:200px; height:200px; border-radius:50%; border:1px solid rgba(200,150,62,.2);}
.cta-band h3{color:var(--white); font-size:1.35rem; margin-bottom:4px;}
.cta-band p{color:rgba(255,255,255,.75); font-size:.95rem;}

/* ── FAQ ── */
.faq-item{border-bottom:1px solid var(--line); padding:20px 0;}
.faq-item summary{cursor:pointer; font-weight:600; font-size:1.03rem; color:var(--navy); list-style:none; display:flex; justify-content:space-between; align-items:center; gap:16px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:'+'; font-family:var(--serif); font-size:1.5rem; color:var(--gold-deep); transition:transform .2s; flex-shrink:0;}
.faq-item[open] summary::after{transform:rotate(45deg);}
.faq-item p{margin-top:12px; color:var(--ink-soft); font-size:.97rem; max-width:680px;}

/* ── related links ── */
.related{background:var(--paper-2); border-top:1px solid var(--line); padding:56px 0 72px;}
.related h2{font-size:1.5rem; margin-bottom:26px;}
.rel-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:18px;}
.rel-card{
  background:var(--white); border:1px solid var(--line); border-radius:12px; padding:22px;
  text-decoration:none; transition:transform .2s, box-shadow .2s; display:block;
}
.rel-card:hover{transform:translateY(-3px); box-shadow:0 18px 36px -20px rgba(12,30,56,.3);}
.rel-card .k{font-size:.72rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--gold-deep);}
.rel-card h3{font-size:1.02rem; margin:8px 0 6px;}
.rel-card p{font-size:.86rem; color:var(--ink-soft);}

/* ── footer ── */
.site-footer{background:var(--navy); color:rgba(255,255,255,.65); font-size:.88rem;}
.site-footer .top{display:grid; grid-template-columns:1.3fr 1fr 1fr 1fr; gap:36px; padding:56px 0 40px;}
.site-footer h4{color:var(--white); font-family:var(--sans); font-size:.78rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; margin-bottom:14px;}
.site-footer ul{list-style:none;}
.site-footer li{margin-bottom:9px;}
.site-footer a{color:rgba(255,255,255,.72); text-decoration:none;}
.site-footer a:hover{color:var(--gold-light);}
.f-brand p{margin-top:12px; max-width:280px; line-height:1.6;}
.site-footer .fine{border-top:1px solid rgba(255,255,255,.1); padding:22px 0 30px; font-size:.74rem; color:rgba(255,255,255,.4); line-height:1.7;}

/* ── reveal ── */
.reveal{transition:opacity .7s ease, transform .7s ease;}
.js-on .reveal{opacity:0; transform:translateY(16px);}
.js-on .reveal.in{opacity:1; transform:none;}

@media (max-width:960px){
  .layout{grid-template-columns:1fr;}
  .side-card{position:static;}
  .site-footer .top{grid-template-columns:1fr 1fr;}
  .rel-grid{grid-template-columns:1fr;}
}
@media (max-width:820px){
  .nav-links{
    display:none; position:absolute; top:100%; left:0; right:0; flex-direction:column;
    background:var(--paper); border-bottom:1px solid var(--line); padding:18px 24px; gap:16px; align-items:flex-start;
  }
  .nav-links.open{display:flex;}
  .nav-toggle{display:block;}
}