/* ============================================================
   ANNUITY AUTHORITY — Custom CSS (WordPress Theme)
   Merged from: dev/src/css/styles.css + index.html inline styles
   ============================================================ */

:root {
  /* Brand Kit v3 — 2026-03-11
     Navy foundation + warm cream backgrounds + forest green accent.
     Sky blue retained for CTA buttons only — not backgrounds. */
  --primary:      #1B94D2;   /* Sky blue — CTA buttons only */
  --blue:         #1B94D2;   /* Alias for --primary (legacy compat) */
  --blue-dark:    #1472B8;   /* CTA button hover */
  --dark:         #0D2135;   /* Header, footer, dark sections */
  --navy:         #0D2135;   /* Alias for --dark (legacy compat) */
  --background:   #F8F6F1;   /* Warm cream — main page bg */
  --offwhite:     #F8F6F1;   /* Alias (legacy compat) */
  --section-alt:  #F0ECE5;   /* Alternating section bg — warm light */
  --accent:       #2E7D52;   /* Forest green — accent color */
  --gold:         #2E7D52;   /* Alias for --accent (legacy compat) */
  --accent-light: #E6F2EC;   /* Pale green wash */
  --section-warm:  #F3F1EC;   /* Why Independent bg — warm sage tint */
  --section-cream: #FAF9F5;   /* Testimonials bg — near-white warm */
  --body:         #1A2633;   /* Body text — dark charcoal */
  --charcoal:     #1A2633;   /* Alias (legacy compat) */
  --muted:        #6B7280;   /* Secondary/caption text */
  --border:       #D4CFC6;   /* Borders — warm, slightly stronger */
}

/* Typography */
html {
  font-size: 18px; /* Root size — Tailwind rem units scale from here */
}

/* Accessibility — minimum 15px font size (60+ audience)
   text-xs = 0.75rem × 18px = 13.5px — overridden to 15px site-wide.
   Use .fine-print for true legal disclaimers that may stay smaller. */
.text-xs { font-size: 15px !important; line-height: 1.6 !important; }
.fine-print { font-size: 13px !important; line-height: 1.5 !important; color: var(--muted); }

body {
  font-family: 'Inter', sans-serif;
  background-color: var(--background);
  color: var(--body);
  font-size: 1rem;
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}

h1, h2 {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  color: var(--dark);
  line-height: 1.2;
}

h3, h4, h5, h6 {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  color: var(--dark);
}

/* Buttons */
.btn-primary {
  display: inline-block;
  background-color: var(--blue-dark);
  color: #fff;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 17px;
  padding: 15px 30px;
  border-radius: 6px;
  text-decoration: none;
  transition: background-color 0.15s ease;
  white-space: nowrap;
}
.btn-primary:hover { background-color: var(--primary); }

.btn-text {
  display: inline-block;
  color: var(--dark);
  font-weight: 600;
  font-size: 17px;
  text-decoration: none;
  border-bottom: 1px solid var(--dark);
  padding-bottom: 1px;
  transition: opacity 0.15s ease;
}
.btn-text:hover { opacity: 0.65; }

.btn-white {
  display: inline-block;
  background-color: #fff;
  color: var(--navy);
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 17px;
  padding: 15px 30px;
  border-radius: 6px;
  text-decoration: none;
  transition: opacity 0.15s ease;
  white-space: nowrap;
}
.btn-white:hover { opacity: 0.88; }

/* Header */
.site-header {
  background-color: var(--dark);
  position: sticky;
  top: 0;
  z-index: 100;
}

/* Credibility strip */
.cred-strip {
  display: flex;
  gap: 24px;
  align-items: center;
  flex-wrap: wrap;
}
@media (min-width: 768px) {
  .cred-strip {
    flex-wrap: nowrap;
    gap: 28px;
  }
}
.cred-strip span {
  color: var(--muted);
  font-size: 13px;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}
.cred-strip span::before {
  content: '✓';
  color: var(--accent);
  font-weight: 700;
}

/* Hero 60/40 grid layout */
@media (min-width: 768px) {
  .hero-grid {
    grid-template-columns: 3fr 2fr;
  }
}

/* Process steps */
.step-number {
  width: 48px;
  height: 48px;
  background-color: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 18px;
  flex-shrink: 0;
}

/* Teal accent divider */
.gold-rule {
  width: 48px;
  height: 3px;
  background-color: var(--accent);
  border: none;
  margin: 0;
}

/* Section backgrounds */
.section-white { background-color: #fff; }
.section-offwhite { background-color: var(--section-alt); }
.section-warm { background-color: var(--section-warm); }
.section-cream { background-color: var(--section-cream); }
.section-navy {
  background-color: var(--dark);
  color: #fff;
}
.section-navy h2 { color: #fff; }

/* FAQ card hover */
.faq-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,0.06);
}

/* Blog related-article card hover */
.blog-related-card {
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
}
.blog-related-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(0,0,0,0.07);
  border-color: var(--primary);
}

/* Blog body typography — refines editorial feel within .blog-body */
.blog-body h2 { margin-top: 0; }
.blog-body h3 { margin-top: 0; }

/* Mobile nav toggle */
#mobile-menu { display: none; }
@media (max-width: 768px) {
  #mobile-menu.open { display: flex; flex-direction: column; }
  .cred-strip { gap: 16px; }
}

/* Stats bar */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.stats-bar .stat-item {
  text-align: center;
  padding: 28px 16px;
  border-right: 1px solid var(--border);
}
.stats-bar .stat-item:last-child { border-right: none; }
.stat-number {
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 2.2rem;
  color: var(--navy);
  line-height: 1;
  display: block;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 13px;
  color: var(--muted);
  font-weight: 500;
}
.stat-sub {
  font-size: 11px;
  color: var(--accent);
  font-weight: 500;
  display: block;
  margin-top: 3px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
@media (max-width: 640px) {
  .stats-bar {
    grid-template-columns: repeat(2, 1fr);
  }
  .stats-bar .stat-item:nth-child(2) { border-right: none; }
  .stats-bar .stat-item:nth-child(3) { border-top: 1px solid var(--border); }
  .stats-bar .stat-item:nth-child(4) { border-top: 1px solid var(--border); }
}

/* Path routing cards */
.path-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  box-shadow: 0 2px 12px rgba(13, 33, 53, 0.06);
  transition: box-shadow 0.15s ease, border-color 0.15s ease;
}
.path-card:hover {
  box-shadow: 0 4px 20px rgba(13, 33, 53, 0.10);
  border-color: var(--blue);
}
.path-card h3 { margin-bottom: 10px; }
.path-card p { color: var(--muted); flex: 1; margin-bottom: 20px; }
.path-card a { align-self: flex-start; }

/* Phase shift timeline — retirement node glow */
.sun-glow {
  box-shadow: 0 0 30px 10px rgba(251, 146, 60, 0.55);
}

/* Free guide card */
.guide-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 10px;
  padding: 32px 28px;
  text-align: center;
}

/* ============================================================
   Testimonial Carousel
   ============================================================ */
.testimonial-carousel-wrap {
  max-width: 800px;
  margin: 0 auto;
}

.testimonial-card {
  background: var(--section-cream);
  border-radius: 16px;
  padding: 32px 36px;
  text-align: center;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.testimonial-header-quote {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 4rem;
  line-height: 1;
  color: var(--accent);
  margin-bottom: 8px;
}

.testimonial-stars {
  font-size: 1.25rem;
  color: #F5A623;
  letter-spacing: 2px;
  margin-bottom: 10px;
}

.testimonial-quote-icon {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 3.5rem;
  line-height: 1;
  color: var(--accent);
  margin-bottom: 12px;
}

.testimonial-text {
  font-size: 1.125rem;
  line-height: 1.7;
  color: var(--body);
  font-style: italic;
  margin-bottom: 20px;
}

.testimonial-attribution {
  font-size: 1rem;
  font-weight: 600;
  color: var(--dark);
}

.testimonial-location {
  font-size: 0.9375rem;
  color: var(--muted);
  margin-top: 2px;
}

.testimonial-date {
  font-size: 0.875rem;
  color: var(--muted);
  margin-top: 4px;
}

.testimonial-image-slide {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.testimonial-image-slide img {
  max-width: 100%;
  border-radius: 8px;
  box-shadow: 0 4px 16px rgba(0,0,0,0.10);
}

/* Navigation row: prev / dots / next */
.testimonial-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 16px;
}

.testimonial-prev,
.testimonial-next {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--border);
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: border-color 0.15s ease, color 0.15s ease;
  color: var(--body);
  flex-shrink: 0;
}
.testimonial-prev:hover,
.testimonial-next:hover {
  border-color: var(--primary);
  color: var(--primary);
}

/* Swiper pagination dot overrides */
.testimonial-pagination {
  position: static !important;
  display: flex;
  gap: 8px;
  justify-content: center;
}
.testimonial-pagination .swiper-pagination-bullet {
  width: 10px;
  height: 10px;
  background: var(--border);
  opacity: 1;
}
.testimonial-pagination .swiper-pagination-bullet-active {
  background: var(--accent);
}

/* Mobile */
@media (max-width: 640px) {
  .testimonial-card {
    padding: 24px 20px;
  }
  .testimonial-quote-icon {
    font-size: 2.5rem;
  }
  .testimonial-text {
    font-size: 1rem;
  }
}