/* =====================================================================
   LTC Specialist - Stylesheet (Option A: Warm & Reassuring)
   ===================================================================== */

:root {
    --navy: #1e3a5f;
    --navy-dark: #142a47;
    --navy-darker: #0d1d33;
    --cream: #faf7f2;
    --cream-dark: #f1ebde;
    --gold: #c9a961;
    --gold-dark: #a88a47;
    --gold-light: #e0c989;
    --text: #2c3e50;
    --text-muted: #5d6b7a;
    --border: #e5e1d6;
    --white: #ffffff;
    --error: #b3261e;
    --success: #1f7a4a;
    --shadow-sm: 0 1px 2px rgba(20, 42, 71, 0.06);
    --shadow-md: 0 4px 12px rgba(20, 42, 71, 0.08);
    --shadow-lg: 0 12px 32px rgba(20, 42, 71, 0.14);
    --radius: 12px;
    --radius-sm: 8px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    margin: 0;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 18px;
    line-height: 1.6;
    color: var(--text);
    background: var(--cream);
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
    font-family: 'Lora', Georgia, serif;
    color: var(--navy);
    line-height: 1.25;
    margin: 0 0 0.6em;
    font-weight: 600;
}

h1 { font-size: clamp(2rem, 4vw + 1rem, 3.25rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 2vw + 1rem, 2.25rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; font-family: 'Inter', sans-serif; font-weight: 600; }

p { margin: 0 0 1em; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold-dark); }

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    background: var(--navy);
    color: var(--white);
    padding: 0.75rem 1rem;
    z-index: 999;
}
.skip-link:focus { left: 0; }

/* ---------- Header ---------- */
.site-header {
    background: var(--white);
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-sm);
    position: sticky;
    top: 0;
    z-index: 50;
}
.header-inner {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    padding-top: 1rem;
    padding-bottom: 1rem;
}
.brand {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
    color: var(--navy);
    flex-shrink: 0;
}
.brand-mark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--gold-light);
    font-family: 'Lora', serif;
    font-weight: 700;
    font-size: 0.92rem;
    letter-spacing: 0.01em;
}
.brand-name {
    font-family: 'Lora', serif;
    font-weight: 700;
    font-size: 1.15rem;
    color: var(--navy);
}
.primary-nav {
    margin-left: auto;
    display: flex;
    gap: 1.75rem;
}
.primary-nav a {
    text-decoration: none;
    font-size: 1rem;
    color: var(--text);
    padding: 0.25rem 0;
    border-bottom: 2px solid transparent;
}
.primary-nav a:hover,
.primary-nav a.is-active {
    color: var(--navy);
    border-bottom-color: var(--gold);
}
.header-phone {
    display: inline-flex;
    flex-direction: column;
    align-items: flex-end;
    text-decoration: none;
    color: var(--navy);
    line-height: 1.1;
    flex-shrink: 0;
}
.header-phone-label {
    font-size: 0.8rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.header-phone-number {
    font-weight: 700;
    font-size: 1.15rem;
    color: var(--navy);
}
.header-phone:hover .header-phone-number { color: var(--gold-dark); }

/* ---------- Hero / Form ---------- */
.hero {
    position: relative;
    background:
        linear-gradient(135deg, rgba(30, 58, 95, 0.92), rgba(20, 42, 71, 0.85)),
        radial-gradient(circle at 30% 20%, rgba(201, 169, 97, 0.18), transparent 50%),
        var(--navy);
    color: var(--white);
    padding: 3.5rem 0 4rem;
    overflow: hidden;
}
.hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 80% 80%, rgba(201, 169, 97, 0.15), transparent 50%);
    pointer-events: none;
}
.hero-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2.5rem;
    align-items: start;
    position: relative;
}
@media (min-width: 960px) {
    .hero-grid { grid-template-columns: 1.05fr 1fr; gap: 3.5rem; }
}
.hero h1 {
    color: var(--white);
    margin-bottom: 1rem;
}
.hero h1 .accent { color: var(--gold-light); }
.hero-sub {
    font-size: 1.2rem;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 1.75rem;
    max-width: 36rem;
}
.hero-bullets {
    list-style: none;
    padding: 0;
    margin: 0 0 1.5rem;
    display: grid;
    gap: 0.65rem;
    font-size: 1.05rem;
}
.hero-bullets li {
    padding-left: 2rem;
    position: relative;
    color: rgba(255, 255, 255, 0.95);
}
.hero-bullets li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 0.4rem;
    width: 1.25rem;
    height: 1.25rem;
    border-radius: 50%;
    background: var(--gold);
    box-shadow: 0 0 0 4px rgba(201, 169, 97, 0.2);
}
.hero-bullets li::after {
    content: "";
    position: absolute;
    left: 0.32rem;
    top: 0.65rem;
    width: 0.55rem;
    height: 0.3rem;
    border-left: 2px solid var(--navy);
    border-bottom: 2px solid var(--navy);
    transform: rotate(-45deg);
}
.hero-trust {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.85);
    margin-top: 1rem;
}

/* ---------- Form Card ---------- */
.form-card {
    background: var(--white);
    color: var(--text);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 2rem;
    border: 1px solid var(--border);
}
.form-card h2 {
    font-size: 1.5rem;
    margin-bottom: 0.25rem;
}
.form-card .form-intro {
    color: var(--text-muted);
    margin-bottom: 1.25rem;
    font-size: 1rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1rem;
    margin-bottom: 1rem;
}
@media (min-width: 540px) {
    .form-row.cols-2 { grid-template-columns: 1fr 1fr; }
    .form-row.cols-3 { grid-template-columns: 1.5fr 1fr 1fr; }
}

.field label {
    display: block;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 0.4rem;
}
.field label .req { color: var(--gold-dark); margin-left: 0.15rem; }
.field label .opt { color: var(--text-muted); font-weight: 400; font-size: 0.85rem; }

.field input,
.field select {
    width: 100%;
    font-family: inherit;
    font-size: 1.05rem;
    padding: 0.75rem 0.9rem;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    background: var(--cream);
    color: var(--text);
    transition: border-color 0.15s, box-shadow 0.15s, background 0.15s;
}
.field input:focus,
.field select:focus {
    outline: none;
    border-color: var(--gold);
    background: var(--white);
    box-shadow: 0 0 0 3px rgba(201, 169, 97, 0.25);
}
.field.has-error input,
.field.has-error select {
    border-color: var(--error);
    background: #fdf3f2;
}
.field-error {
    color: var(--error);
    font-size: 0.9rem;
    margin-top: 0.35rem;
    display: block;
}

/* Honeypot - visually hidden */
.hp-field {
    position: absolute !important;
    left: -10000px !important;
    width: 1px !important;
    height: 1px !important;
    overflow: hidden !important;
}

.consent {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    margin: 1.25rem 0;
    padding: 1rem;
    background: var(--cream);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
}
.consent input[type="checkbox"] {
    margin-top: 0.25rem;
    width: 1.15rem;
    height: 1.15rem;
    accent-color: var(--gold-dark);
    flex-shrink: 0;
}
.consent label {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.5;
    cursor: pointer;
}
.consent.has-error {
    border-color: var(--error);
    background: #fdf3f2;
}

.btn-submit {
    width: 100%;
    background: var(--gold);
    color: var(--navy-dark);
    border: none;
    border-radius: var(--radius-sm);
    padding: 1.1rem 1.5rem;
    font-family: 'Inter', sans-serif;
    font-weight: 700;
    font-size: 1.2rem;
    letter-spacing: 0.01em;
    cursor: pointer;
    box-shadow: 0 4px 0 var(--gold-dark), 0 6px 16px rgba(201, 169, 97, 0.3);
    transition: transform 0.08s, background 0.15s, box-shadow 0.15s;
}
.btn-submit:hover {
    background: var(--gold-light);
}
.btn-submit:active {
    transform: translateY(2px);
    box-shadow: 0 2px 0 var(--gold-dark), 0 3px 8px rgba(201, 169, 97, 0.3);
}
.btn-submit:focus {
    outline: 3px solid rgba(201, 169, 97, 0.5);
    outline-offset: 2px;
}

.form-footer-note {
    font-size: 0.85rem;
    color: var(--text-muted);
    margin-top: 0.85rem;
    text-align: center;
}

.alert {
    padding: 0.9rem 1rem;
    border-radius: var(--radius-sm);
    margin-bottom: 1rem;
    font-size: 0.95rem;
}
.alert-error {
    background: #fdf3f2;
    color: var(--error);
    border: 1px solid #f3c8c4;
}

/* ---------- Sections ---------- */
.section {
    padding: 4rem 0;
}
.section-cream { background: var(--cream); }
.section-white { background: var(--white); }
.section-navy {
    background: var(--navy);
    color: var(--white);
}
.section-navy h2,
.section-navy h3 { color: var(--white); }

.section-eyebrow {
    display: inline-block;
    color: var(--gold-dark);
    font-weight: 600;
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 0.6rem;
}
.section-title {
    margin-bottom: 0.5rem;
}
.section-lede {
    font-size: 1.15rem;
    color: var(--text-muted);
    max-width: 50rem;
    margin-bottom: 2.5rem;
}
.section-navy .section-lede { color: rgba(255,255,255,0.85); }

/* ---------- Benefit cards ---------- */
.benefit-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
}
@media (min-width: 720px) {
    .benefit-grid { grid-template-columns: repeat(3, 1fr); }
}
.benefit-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 2rem 1.75rem;
    box-shadow: var(--shadow-sm);
    transition: transform 0.15s, box-shadow 0.15s;
}
.benefit-card:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}
.benefit-amount {
    font-family: 'Lora', serif;
    font-size: 2.5rem;
    color: var(--gold-dark);
    font-weight: 700;
    line-height: 1;
    margin-bottom: 0.4rem;
}
.benefit-label {
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 0.6rem;
    font-size: 1.1rem;
}
.benefit-card p {
    color: var(--text-muted);
    margin: 0;
    font-size: 1rem;
}

/* ---------- How it works ---------- */
.steps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1.5rem;
}
@media (min-width: 720px) {
    .steps-grid { grid-template-columns: repeat(3, 1fr); }
}
.step {
    padding: 1.5rem;
    border-left: 3px solid var(--gold);
    background: var(--cream);
    border-radius: 0 var(--radius) var(--radius) 0;
}
.step-num {
    font-family: 'Lora', serif;
    color: var(--gold-dark);
    font-weight: 700;
    font-size: 1rem;
    letter-spacing: 0.1em;
    margin-bottom: 0.4rem;
}
.step h3 { font-size: 1.2rem; margin-bottom: 0.5rem; }
.step p { color: var(--text-muted); margin: 0; font-size: 1rem; }

/* ---------- CTA stripe ---------- */
.cta-stripe {
    background: var(--navy);
    color: var(--white);
    padding: 3rem 0;
    text-align: center;
}
.cta-stripe h2 { color: var(--white); margin-bottom: 0.75rem; }
.cta-stripe p {
    font-size: 1.1rem;
    color: rgba(255,255,255,0.9);
    margin-bottom: 1.75rem;
    max-width: 40rem;
    margin-left: auto;
    margin-right: auto;
}
.btn-cta {
    display: inline-block;
    background: var(--gold);
    color: var(--navy-dark);
    text-decoration: none;
    font-weight: 700;
    font-size: 1.1rem;
    padding: 1rem 2rem;
    border-radius: var(--radius-sm);
    box-shadow: 0 4px 0 var(--gold-dark), 0 6px 16px rgba(201, 169, 97, 0.3);
    transition: transform 0.08s, background 0.15s;
}
.btn-cta:hover {
    background: var(--gold-light);
    color: var(--navy-dark);
}
.btn-cta:active { transform: translateY(2px); }

/* ---------- Article (about / privacy) ---------- */
.article {
    background: var(--white);
    padding: 4rem 0;
}
.article .container { max-width: 760px; }
.article h1 { margin-bottom: 0.5rem; }
.article .lede {
    font-size: 1.25rem;
    color: var(--text-muted);
    margin-bottom: 2.5rem;
}
.article h2 {
    margin-top: 2.5rem;
    margin-bottom: 0.75rem;
}
.article ul { margin: 0 0 1.25em 1.25em; padding: 0; }
.article li { margin-bottom: 0.5em; }

/* ---------- Thank-you ---------- */
.thank-you {
    background: var(--cream);
    padding: 5rem 0;
    text-align: center;
}
.thank-you-card {
    max-width: 640px;
    margin: 0 auto;
    background: var(--white);
    border-radius: var(--radius);
    box-shadow: var(--shadow-md);
    padding: 3rem 2rem;
}
.check-circle {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: var(--gold);
    color: var(--navy-dark);
    margin: 0 auto 1.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2.5rem;
    font-weight: 700;
    box-shadow: 0 0 0 8px rgba(201, 169, 97, 0.18);
}
.thank-you h1 { margin-bottom: 0.75rem; }

/* ---------- Footer ---------- */
.site-footer {
    background: var(--navy-darker);
    color: rgba(255,255,255,0.85);
    padding: 3rem 0 2rem;
}
.site-footer h3,
.site-footer h4 {
    color: var(--white);
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    margin-bottom: 0.75rem;
}
.footer-brand {
    font-family: 'Lora', serif !important;
    font-weight: 700 !important;
    color: var(--gold-light) !important;
    font-size: 1.25rem !important;
}
.site-footer a {
    color: var(--gold-light);
    text-decoration: none;
}
.site-footer a:hover {
    color: var(--white);
    text-decoration: underline;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.4rem; }
.footer-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 2rem;
}
@media (min-width: 720px) {
    .footer-grid { grid-template-columns: 2fr 1fr 1fr; }
}
.footer-bottom {
    margin-top: 2.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,0.12);
    font-size: 0.85rem;
    color: rgba(255,255,255,0.7);
}
.footer-bottom .disclaimer {
    margin-top: 0.5rem;
    font-size: 0.78rem;
    color: rgba(255,255,255,0.55);
    line-height: 1.5;
}

/* ---------- Responsive header ---------- */
@media (max-width: 760px) {
    .primary-nav { display: none; }
    .header-phone-label { display: none; }
    .brand-name { font-size: 1rem; }
}