/* ============================================================
   Community Solutions Financial LLC — Life Insurance Funnel
   Shared styles · Navy / Gold / Cream financial palette
   ============================================================ */
:root {
  --navy: #0d2b45;
  --navy-deep: #081f33;
  --navy-soft: #16405f;
  --gold: #c9a227;
  --gold-dark: #a8861c;
  --cream: #faf6ec;
  --paper: #fffdf7;
  --ink: #1c2733;
  --muted: #5b6b7a;
  --line: #e3dcc8;
  --ok: #1e7a4f;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(8, 31, 51, 0.12);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, .serif { font-family: Georgia, "Times New Roman", serif; color: var(--navy); line-height: 1.2; }
img { max-width: 100%; display: block; }
a { color: var(--navy-soft); }
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* ---------- Header ---------- */
.site-header {
  background: var(--navy-deep);
  color: var(--cream);
  padding: 14px 0;
  position: sticky; top: 0; z-index: 50;
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--cream); }
.brand-mark {
  width: 42px; height: 42px; flex: 0 0 42px; border-radius: 10px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy-deep); font-family: Georgia, serif; font-weight: 700;
  display: flex; align-items: center; justify-content: center; font-size: 1.05rem; letter-spacing: .5px;
}
.brand-text strong { display: block; font-family: Georgia, serif; font-size: 1.02rem; letter-spacing: .3px; }
.brand-text span { display: block; font-size: .72rem; text-transform: uppercase; letter-spacing: 1.6px; color: var(--gold); }
.site-nav { display: flex; gap: 22px; align-items: center; }
.site-nav a { color: var(--cream); text-decoration: none; font-size: .95rem; }
.site-nav a:hover { color: var(--gold); }
.btn {
  display: inline-block; border: none; cursor: pointer; text-decoration: none;
  background: var(--gold); color: var(--navy-deep) !important;
  font-weight: 700; font-size: 1.05rem; padding: 14px 30px; border-radius: 999px;
  box-shadow: 0 6px 18px rgba(201, 162, 39, 0.35);
  transition: transform .15s ease, background .15s ease;
}
.btn:hover { background: #d9b53a; transform: translateY(-1px); }
.btn-large { font-size: 1.2rem; padding: 17px 40px; }
.btn-ghost {
  background: transparent; color: var(--navy) !important; border: 2px solid var(--navy);
  box-shadow: none;
}
.btn-small { font-size: .92rem; padding: 10px 20px; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(180deg, var(--navy) 0%, var(--navy-soft) 100%); color: var(--cream); padding: 56px 0 64px; }
.hero .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 44px; align-items: center; }
.hero h1 { color: #fff; font-size: 2.55rem; margin-bottom: 18px; }
.hero h1 .gold { color: var(--gold); }
.hero p.lede { font-size: 1.16rem; color: #e8e2cf; margin-bottom: 26px; }
.hero-photo { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); border: 4px solid rgba(201,162,39,.5); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.hero-note { margin-top: 16px; font-size: .9rem; color: #cfd8de; }
.trust-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 34px; }
.trust-card {
  background: rgba(255,255,255,.06); border: 1px solid rgba(201,162,39,.4);
  border-radius: var(--radius); padding: 16px 14px; text-align: center;
}
.trust-card .icon { font-size: 1.5rem; display: block; margin-bottom: 6px; }
.trust-card strong { display: block; font-size: .95rem; color: #fff; }
.trust-card span { font-size: .82rem; color: #cfd8de; }

/* ---------- Sections ---------- */
section.block { padding: 64px 0; }
section.block.alt { background: var(--paper); }
.sec-head { text-align: center; max-width: 680px; margin: 0 auto 40px; }
.sec-head h2 { font-size: 2rem; margin-bottom: 10px; }
.sec-head p { color: var(--muted); }

/* How-it-works diagram (pure HTML/CSS) */
.flow { display: flex; align-items: stretch; gap: 0; max-width: 940px; margin: 0 auto; }
.flow-step {
  flex: 1; background: var(--cream); border: 2px solid var(--line); border-radius: var(--radius);
  padding: 26px 20px; text-align: center; position: relative;
}
.flow-step .num {
  width: 46px; height: 46px; margin: 0 auto 12px; border-radius: 50%;
  background: var(--navy); color: var(--gold); font-family: Georgia, serif; font-size: 1.3rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
}
.flow-step h3 { font-size: 1.08rem; margin-bottom: 8px; }
.flow-step p { font-size: .92rem; color: var(--muted); }
.flow-arrow { align-self: center; font-size: 1.6rem; color: var(--gold-dark); padding: 0 8px; font-weight: 700; }
.diagram-caption { text-align: center; margin-top: 18px; font-size: .88rem; color: var(--muted); }

/* FAQ preview / FAQ page */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; margin-bottom: 14px; }
.faq-item h3 { font-size: 1.05rem; margin-bottom: 8px; font-family: -apple-system, "Segoe UI", Roboto, sans-serif; }
.faq-item p { color: #37434f; font-size: .97rem; }
.center-cta { text-align: center; margin-top: 34px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.split img { border-radius: var(--radius); box-shadow: var(--shadow); }
.check-list { list-style: none; margin-top: 16px; }
.check-list li { padding: 8px 0 8px 34px; position: relative; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 8px; width: 24px; height: 24px; border-radius: 50%; background: var(--gold); color: var(--navy-deep); font-weight: 700; text-align: center; line-height: 24px; font-size: .85rem; }

/* ---------- Quiz ---------- */
.quiz-shell { max-width: 640px; margin: 0 auto; padding: 36px 20px 70px; }
.progress-track { background: #e9e2cd; border-radius: 999px; height: 10px; overflow: hidden; margin-bottom: 8px; }
.progress-fill { background: linear-gradient(90deg, var(--gold-dark), var(--gold)); height: 100%; width: 0%; transition: width .3s ease; }
.progress-label { font-size: .82rem; color: var(--muted); margin-bottom: 22px; }
.quiz-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 30px 26px; }
.quiz-card h2 { font-size: 1.45rem; margin-bottom: 8px; }
.quiz-card .hint { color: var(--muted); font-size: .94rem; margin-bottom: 20px; }
.options { display: grid; gap: 12px; }
.option {
  display: block; width: 100%; text-align: left; cursor: pointer;
  border: 2px solid var(--line); background: #fff; border-radius: var(--radius);
  padding: 15px 18px; font-size: 1rem; color: var(--ink); font-family: inherit;
  transition: border-color .12s ease, background .12s ease;
}
.option:hover { border-color: var(--gold); }
.option.selected { border-color: var(--navy); background: #eef3f0; box-shadow: inset 0 0 0 1px var(--navy); }
.option small { display: block; color: var(--muted); font-size: .85rem; margin-top: 2px; }
select.state-select {
  width: 100%; padding: 14px 16px; font-size: 1rem; border: 2px solid var(--line);
  border-radius: var(--radius); background: #fff; color: var(--ink); font-family: inherit;
}
.quiz-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 26px; }
.quiz-nav .btn-ghost { visibility: visible; }
.error-msg { color: #b3261e; font-size: .9rem; margin-top: 12px; min-height: 1.2em; }
.privacy-note {
  margin-top: 22px; background: #eef3f0; border: 1px solid #cfe0d4; border-radius: var(--radius);
  padding: 14px 16px; font-size: .88rem; color: #2c4a3a;
}
.privacy-note strong { color: var(--ok); }

/* Results */
.result-badge {
  display: inline-block; background: var(--navy); color: var(--gold); font-weight: 700;
  font-size: .8rem; letter-spacing: 1.2px; text-transform: uppercase;
  padding: 6px 14px; border-radius: 999px; margin-bottom: 14px;
}
.result-card h2 { font-size: 1.6rem; }
.result-why { font-size: 1.05rem; margin: 12px 0 6px; }
.result-detail { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }
.result-next { margin: 22px 0; padding-left: 20px; }
.result-next li { margin-bottom: 6px; }
.disclaimer { font-size: .82rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 14px; margin-top: 20px; }
.email-capture label { display: block; font-weight: 600; margin-bottom: 8px; }
.email-capture input[type="email"] {
  width: 100%; padding: 14px 16px; font-size: 1rem; border: 2px solid var(--line);
  border-radius: var(--radius); margin-bottom: 14px; font-family: inherit;
}
.form-success { background: #eef3f0; border: 1px solid #cfe0d4; color: #2c4a3a; border-radius: var(--radius); padding: 16px; }

/* ---------- Quiz v2: form steps + capture form ---------- */
.field-label { font-weight: 600; color: var(--navy); margin: 20px 0 8px; }
.field-label:first-child { margin-top: 0; }
.options-2col { grid-template-columns: 1fr 1fr; }
.text-input, .num-input {
  width: 100%; padding: 14px 16px; font-size: 1rem; border: 2px solid var(--line);
  border-radius: var(--radius); background: #fff; color: var(--ink); font-family: inherit;
}
.build-row { display: grid; grid-template-columns: 1fr 1fr 1.2fr; gap: 12px; }
.build-row label { display: block; font-size: .85rem; color: var(--muted); margin-bottom: 6px; }
.capture-form { display: grid; gap: 12px; margin: 14px 0 6px; }
.capture-form input {
  width: 100%; padding: 13px 15px; font-size: 1rem; border: 2px solid var(--line);
  border-radius: var(--radius); background: #fff; color: var(--ink); font-family: inherit;
}
.capture-name-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.pending-note {
  background: #fdf6e0; border: 1px solid var(--gold); border-radius: var(--radius);
  padding: 16px 18px; font-size: .95rem; color: #4a3d10; margin-bottom: 20px;
}
.capture-head { font-weight: 700; color: var(--navy); margin-top: 24px; }

/* ---------- Apply page (branded application embed) ---------- */
.brand-logo {
  height: 48px; width: auto; display: block;
  background: #fff; border-radius: 8px; padding: 4px 10px;
}
.apply-shell { max-width: 880px; margin: 0 auto; padding: 36px 20px 64px; }
.apply-frame-card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 10px;
}
.apply-frame {
  display: block; width: 100%; border: 0; border-radius: 8px; background: #fff;
  height: calc(100vh - 150px); min-height: 900px;
}
@media (max-width: 860px) {
  .apply-frame { height: calc(100vh - 120px); min-height: 760px; }
  .brand-logo { height: 40px; }
}

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: #cfd8de; padding: 46px 0 34px; margin-top: 0; }
.site-footer .cols { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 34px; margin-bottom: 30px; }
.site-footer h4 { color: var(--gold); font-family: Georgia, serif; margin-bottom: 10px; font-size: 1rem; }
.site-footer a { color: #cfd8de; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.site-footer address { font-style: normal; line-height: 1.7; }
.compliance { border-top: 1px solid rgba(255,255,255,.15); padding-top: 18px; font-size: .8rem; color: #93a5b3; line-height: 1.6; }
.compliance p + p { margin-top: 8px; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero h1 { font-size: 2rem; }
  .trust-row { grid-template-columns: repeat(2, 1fr); }
  .flow { flex-direction: column; }
  .flow-arrow { transform: rotate(90deg); padding: 6px 0; }
  .split { grid-template-columns: 1fr; }
  .site-footer .cols { grid-template-columns: 1fr; }
  .site-nav a:not(.btn) { display: none; }
}

/* NEPAW banner — remove after Oct 25, 2026 */
.nepaw-banner {
  background: #0d2b45;
  background: var(--navy, #0d2b45);
  color: #fffdf7;
  color: var(--paper, #fffdf7);
  border-bottom: 3px solid #c9a227;
  border-bottom: 3px solid var(--gold, #c9a227);
  width: 100%;
  text-align: center;
  padding: 12px 20px;
}
.nepaw-banner-inner {
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 6px 14px;
}
.nepaw-banner-eyebrow {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: #c9a227;
  color: var(--gold, #c9a227);
}
.nepaw-banner-text {
  font-size: .95rem;
  color: #fffdf7;
  color: var(--paper, #fffdf7);
}
.nepaw-banner-cta {
  color: #c9a227;
  color: var(--gold, #c9a227);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
  white-space: nowrap;
}
.nepaw-banner-cta:hover,
.nepaw-banner-cta:focus {
  color: #d9b53a;
  text-decoration: none;
}
@media (max-width: 640px) {
  .nepaw-banner { padding: 12px 16px; }
  .nepaw-banner-inner { flex-direction: column; gap: 4px; }
  .nepaw-banner-cta { white-space: normal; }
}

/* College banner (added Oct 17, 2026 — sits below NEPAW banner; succeeds it permanently after Oct 31) */
.college-banner {
  background: #0d2b45;
  background: var(--navy, #0d2b45);
  color: #fffdf7;
  color: var(--paper, #fffdf7);
  border-bottom: 3px solid #c9a227;
  border-bottom: 3px solid var(--gold, #c9a227);
  width: 100%;
  text-align: center;
  padding: 12px 20px;
}
.college-banner-inner {
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 6px 14px;
}
.college-banner-eyebrow {
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: #c9a227;
  color: var(--gold, #c9a227);
}
.college-banner-text {
  font-size: .95rem;
  color: #fffdf7;
  color: var(--paper, #fffdf7);
}
.college-banner-cta {
  color: #c9a227;
  color: var(--gold, #c9a227);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
  white-space: nowrap;
}
.college-banner-cta:hover,
.college-banner-cta:focus {
  color: #d9b53a;
  text-decoration: none;
}
@media (max-width: 640px) {
  .college-banner { padding: 12px 16px; }
  .college-banner-inner { flex-direction: column; gap: 4px; }
  .college-banner-cta { white-space: normal; }
}