/* ============================================================
   Midwest Values Producers — Indexed Annuity marketing site
   Palette derived from the MVP logo: deep navy + warm gold.
   ============================================================ */

:root {
  --navy-900: #101b30;
  --navy-800: #16243f;
  --navy-700: #1d2f52;
  --navy-600: #284069;
  --gold-logo: #a28747;
  --gold-600: #9c7b38;
  --gold-500: #b3924f;
  --gold-400: #c8a868;
  --gold-100: #f3ead8;
  --ink: #1b2333;
  --body: #44505f;
  --muted: #6b7686;
  --bg: #ffffff;
  --bg-alt: #f6f4ef;
  --bg-tint: #f0f3f8;
  --border: #e4e2da;
  --border-navy: rgba(22, 36, 63, 0.12);
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 14px 40px rgba(16, 27, 48, 0.08);
  --shadow-sm: 0 4px 16px rgba(16, 27, 48, 0.06);
  --font-head: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --maxw: 1140px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  font-family: var(--font-body);
  color: var(--body);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.15; font-weight: 600; }

p { margin: 0; }

a { color: inherit; text-decoration: none; }

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

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.container.narrow { max-width: 760px; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-body); font-weight: 600; font-size: 0.98rem;
  padding: 0.85rem 1.6rem; border-radius: 999px; border: 1.5px solid transparent;
  white-space: nowrap;
  cursor: pointer; transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease;
}
.btn-sm { padding: 0.6rem 1.2rem; font-size: 0.9rem; }
.btn-block { width: 100%; padding: 1rem; font-size: 1.05rem; }
.btn-primary { background: var(--gold-500); color: var(--navy-900); }
.btn-primary:hover { background: var(--gold-400); transform: translateY(-2px); box-shadow: 0 10px 24px rgba(156, 123, 56, 0.28); }
/* btn-ghost is used on the dark navy hero, so it carries a light outline to stand out */
.btn-ghost { background: rgba(255, 255, 255, 0.06); color: #fff; border-color: rgba(255, 255, 255, 0.55); }
.btn-ghost:hover { background: rgba(255, 255, 255, 0.16); border-color: #fff; color: #fff; transform: translateY(-2px); }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.topbar { background: var(--gold-logo); color: var(--navy-900); }
.topbar-inner {
  display: flex; align-items: center; justify-content: flex-end;
  gap: 1.8rem; min-height: 40px; flex-wrap: wrap;
}
.topbar-link {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: 0.85rem; font-weight: 500; color: var(--navy-900);
  transition: color 0.15s ease;
}
.topbar-link:hover { color: var(--navy-700); }
.topbar-label {
  font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--navy-700);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 0.75rem; }
.brand-logo { height: 64px; width: auto; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-head); font-weight: 600; font-size: 1.05rem; color: var(--navy-800); }
.brand-tag { font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold-600); font-weight: 600; }
.nav-links { display: flex; align-items: center; gap: 1.8rem; }
.nav-links a { font-size: 0.95rem; font-weight: 500; color: var(--navy-700); transition: color 0.15s ease; }
.nav-links a:not(.btn):hover { color: var(--gold-600); }

/* ===== Hero ===== */
.hero {
  background: linear-gradient(165deg, var(--navy-900) 0%, var(--navy-700) 60%, var(--navy-600) 100%);
  color: #e8edf5;
  padding: 5.5rem 0 5rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; top: -120px; right: -100px;
  width: 460px; height: 460px; border-radius: 50%;
  background: radial-gradient(circle, rgba(200, 168, 104, 0.18), transparent 70%);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 3.5rem; align-items: center; position: relative; z-index: 1; }
.eyebrow {
  display: inline-block; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold-400); margin-bottom: 1rem;
}
.hero h1 { font-size: clamp(2.3rem, 4.4vw, 3.4rem); color: #fff; font-weight: 600; }
.hero h1 .accent { color: var(--gold-400); }
.hero .lead { margin: 1.5rem 0 2rem; font-size: 1.12rem; color: #c5cfdd; max-width: 34rem; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ===== Hero chart card ===== */
.hero-support { background: #fff; padding: 1.75rem; }
.support-head { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); margin-bottom: 1rem; }
.support-clock { display: flex; align-items: center; gap: 1.25rem; }
.clock-svg { width: 116px; height: 116px; flex-shrink: 0; }
.clock-track { fill: var(--bg-tint); stroke: var(--border-navy); stroke-width: 4; }
.clock-progress { fill: none; stroke: var(--gold-500); stroke-width: 6; stroke-linecap: round; stroke-dasharray: 402; stroke-dashoffset: 100; transform: rotate(-90deg); transform-origin: 80px 80px; }
.clock-hand { stroke: var(--navy-700); stroke-width: 4; stroke-linecap: round; }
.clock-minute { stroke: var(--gold-600); }
.clock-center { fill: var(--navy-700); }
.support-247 { display: flex; flex-direction: column; line-height: 1; }
.support-number { font-family: var(--font-head); font-size: 3rem; font-weight: 600; color: var(--navy-800); }
.support-label { font-size: 0.95rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); margin-top: 0.35rem; }
.support-list { list-style: none; display: flex; flex-direction: column; gap: 0.6rem; margin: 1.25rem 0 0.85rem; font-size: 0.9rem; color: var(--body); }
.support-list li { display: flex; align-items: flex-start; gap: 0.6rem; }
.support-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold-500); flex-shrink: 0; margin-top: 0.5rem; }
.support-note { font-size: 0.78rem; color: var(--muted); line-height: 1.6; }

/* ===== Stats ===== */
.stats { background: var(--navy-800); }
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2.5rem; padding: 3rem 24px; }
.stat { color: #d6dde8; text-align: center; }
.stat-num { display: block; font-family: var(--font-head); font-size: 2.8rem; font-weight: 600; color: var(--gold-400); }
.stat-label { display: block; font-weight: 600; color: #fff; margin: 0.4rem 0 0.6rem; }
.stat p { font-size: 0.9rem; color: #aab6c6; }

/* ===== Sections ===== */
.section { padding: 5rem 0; }
.section-alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 3rem; }
.section-head h2 { font-size: clamp(1.9rem, 3.2vw, 2.5rem); }
.section-head p { margin-top: 0.9rem; color: var(--muted); font-size: 1.08rem; }

.kicker { display: inline-block; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-600); margin-bottom: 0.8rem; }

/* ===== Split layout ===== */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 3.5rem; align-items: center; }
.split-copy h2 { font-size: clamp(1.8rem, 3vw, 2.3rem); margin-bottom: 1.2rem; }
.split-copy p + p { margin-top: 1rem; }

/* ===== Cards ===== */
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.fact-card { padding: 2rem; }
.fact-card h3 { font-size: 1.25rem; margin-bottom: 1.2rem; }
.fact-table > div { display: flex; justify-content: space-between; gap: 1rem; padding: 0.85rem 0; border-bottom: 1px solid var(--border); }
.fact-table > div:last-child { border-bottom: none; }
.fact-table dt { color: var(--muted); font-weight: 500; }
.fact-table dd { font-weight: 600; color: var(--ink); text-align: right; }

/* ===== Grids ===== */
.grid { display: grid; gap: 1.5rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

.term, .benefit { padding: 1.8rem; }
.term h3, .benefit h3 { font-size: 1.2rem; margin-bottom: 0.6rem; }
.term h3 { color: var(--navy-700); }
.benefit { border-top: 3px solid var(--gold-500); }
.term p, .benefit p { font-size: 0.95rem; color: var(--body); }

/* ===== Steps ===== */
.steps { list-style: none; display: grid; gap: 1.2rem; max-width: 820px; margin: 0 auto; }
.step { display: flex; gap: 1.3rem; align-items: flex-start; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 1.6rem 1.8rem; box-shadow: var(--shadow-sm); }
.step-num {
  flex: none; width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center; font-family: var(--font-head); font-weight: 600; font-size: 1.2rem;
  background: var(--navy-800); color: var(--gold-400);
}
.step h3 { font-size: 1.15rem; margin-bottom: 0.35rem; }
.step p { font-size: 0.95rem; }

/* ===== Types ===== */
.type { padding: 1.8rem; display: flex; flex-direction: column; }
.type-head { display: flex; align-items: center; justify-content: space-between; gap: 0.75rem; margin-bottom: 0.7rem; }
.type-head h3 { font-size: 1.15rem; }
.type > p { font-size: 0.92rem; margin-bottom: 1rem; }
.tag { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; padding: 0.28rem 0.6rem; border-radius: 999px; background: var(--bg-tint); color: var(--navy-700); white-space: nowrap; }
.tag-primary { background: var(--gold-100); color: var(--gold-600); }

.ticks, .crosses { list-style: none; display: grid; gap: 0.5rem; margin-top: auto; }
.ticks li, .crosses li { position: relative; padding-left: 1.5rem; font-size: 0.9rem; color: var(--body); }
.ticks li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-600); font-weight: 700; }
.crosses li::before { content: "—"; position: absolute; left: 0; color: var(--muted); font-weight: 700; }

/* ===== Fit ===== */
.fit-grid { display: grid; gap: 1.5rem; }
.fit { padding: 1.8rem; }
.fit h3 { font-size: 1.2rem; margin-bottom: 1rem; }
.fit-good { border-left: 4px solid var(--gold-500); }
.fit-good h3 { color: var(--gold-600); }
.fit-bad { border-left: 4px solid #c2c8d2; }
.fit-bad h3 { color: var(--muted); }

/* ===== FAQ ===== */
.faq { display: grid; gap: 0.85rem; }
.faq details { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm); padding: 0 1.4rem; box-shadow: var(--shadow-sm); }
.faq summary {
  list-style: none; cursor: pointer; font-family: var(--font-head); font-weight: 600; color: var(--ink);
  padding: 1.2rem 2rem 1.2rem 0; position: relative; font-size: 1.05rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--gold-600); font-family: var(--font-body); transition: transform 0.2s ease; }
.faq details[open] summary::after { content: "−"; }
.faq details p { padding: 0 0 1.3rem; color: var(--body); font-size: 0.97rem; }

/* ===== Contact ===== */
.section-contact { background: linear-gradient(165deg, var(--navy-900), var(--navy-700)); color: #e8edf5; }
.section-contact .section-head h2 { color: #fff; }
.section-contact .section-head p { color: #c5cfdd; }
.contact-form { padding: 2.2rem; display: grid; gap: 1.2rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.contact-form label { display: grid; gap: 0.4rem; font-size: 0.9rem; font-weight: 600; color: var(--ink); }
.contact-form .optional { font-weight: 400; color: var(--muted); }
.contact-form input, .contact-form select {
  font-family: var(--font-body); font-size: 1rem; padding: 0.8rem 0.9rem;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm); background: #fff; color: var(--ink);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.contact-form input:focus, .contact-form select:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(179, 146, 79, 0.18); }
.form-note { font-size: 0.8rem; color: var(--muted); text-align: center; }
.hidden-field { display: none; }

/* ===== Footer ===== */
.site-footer { background: var(--navy-900); color: #aab6c6; padding: 3.5rem 0 2rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 2.5rem; padding-bottom: 2.5rem; border-bottom: 1px solid rgba(255, 255, 255, 0.1); }
.footer-logo { height: 72px; width: auto; background: #fff; padding: 10px 14px; border-radius: 10px; margin-bottom: 1rem; }
.footer-brand p { font-size: 0.9rem; max-width: 24rem; }
.footer-col h4 { color: #fff; font-size: 0.95rem; margin-bottom: 1rem; letter-spacing: 0.04em; }
.footer-col ul { list-style: none; display: grid; gap: 0.6rem; }
.footer-col a { font-size: 0.9rem; transition: color 0.15s ease; }
.footer-col a:hover { color: var(--gold-400); }
.footer-legal { padding-top: 1.8rem; display: grid; gap: 0.6rem; }
.footer-legal p { font-size: 0.78rem; color: #8a96a7; }

/* ===== Responsive ===== */
@media (max-width: 900px) {
  .hero-grid, .split { grid-template-columns: 1fr; gap: 2.5rem; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 680px) {
  /* Header: let it grow so the long brand name and button never fight for one fixed row */
  .nav { height: auto; min-height: 64px; gap: 0.75rem; padding-top: 0.55rem; padding-bottom: 0.55rem; }
  .brand { min-width: 0; }
  .brand-logo { height: 48px; }
  .brand-name { font-size: 0.95rem; }
  .nav-links { gap: 0; flex-shrink: 0; }
  .nav-links a:not(.btn) { display: none; }
  .grid-3 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .brand-tag { display: none; }
  .section { padding: 3.5rem 0; }
  .hero { padding: 3.5rem 0; }
  /* Contact bar: stack the call/email into a clean centered block instead of cramped wrapping */
  .topbar-inner { flex-direction: column; align-items: center; justify-content: center; gap: 0.3rem; padding: 0.55rem 0; }
  .topbar-link { font-size: 0.9rem; }
}