/* High Life Worth Financial — staging build
   Palette recovered from the brand mark: #124477 primary, #6A8AAA rule tint. */

:root {
  --navy: #124477;
  --navy-dk: #0d3159;
  --steel: #6a8aaa;
  --ink: #1c2430;
  --body: #48525f;
  --line: #dde3ea;
  --bg: #ffffff;
  --bg-alt: #f4f7fa;
  --focus: #b8860b;
  --maxw: 1140px;
  --serif: Georgia, "Times New Roman", Times, serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--body);
  background: var(--bg);
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.22;
  margin: 0 0 .6em;
  font-weight: 600;
}
h1 { font-size: clamp(1.9rem, 1.2rem + 2.2vw, 2.85rem); }
h2 { font-size: clamp(1.4rem, 1.1rem + 1.1vw, 1.9rem); }
h3 { font-size: 1.2rem; }

p { margin: 0 0 1.1em; }
img, svg { max-width: 100%; height: auto; }

a { color: var(--navy); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--navy-dk); }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-radius: 2px;
}

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 1.25rem; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--navy); color: #fff; padding: .7rem 1.1rem;
}
.skip:focus { left: .5rem; top: .5rem; }

/* --- header --------------------------------------------------------------- */
.site-head { border-bottom: 1px solid var(--line); background: #fff; }
.head-inner {
  display: flex; align-items: center; gap: 1.5rem;
  flex-wrap: wrap; padding-top: .9rem; padding-bottom: .9rem;
}
.brand { display: block; line-height: 0; flex: 0 0 auto; }
.brand img { width: clamp(210px, 26vw, 278px); }

.nav { margin-left: auto; display: flex; align-items: center; gap: 1.75rem; }
.nav ul { display: flex; gap: 1.4rem; list-style: none; margin: 0; padding: 0; }
/* Scope to the list only. `.nav a` (0,1,1) outranks `.btn` (0,1,0), so it would
   otherwise strip the CTA's padding and repaint its label in --ink on --navy. */
.nav ul a {
  font-size: .96rem; letter-spacing: .01em; color: var(--ink);
  text-decoration: none; padding: .35rem 0; display: inline-block;
  border-bottom: 2px solid transparent;
}
.nav ul a:hover, .nav ul a[aria-current="page"] {
  color: var(--navy); border-bottom-color: var(--steel);
}
.head-cta { display: flex; align-items: center; gap: 1rem; flex: 0 0 auto; }
.tel { font-weight: 600; color: var(--navy); text-decoration: none; white-space: nowrap; }

.nav-toggle { display: none; }

/* --- buttons -------------------------------------------------------------- */
.btn {
  display: inline-block; background: var(--navy); color: #fff;
  padding: .8rem 1.5rem; border-radius: 2px; text-decoration: none;
  font-weight: 600; font-size: .98rem; border: 1px solid var(--navy);
  transition: background .15s ease;
  white-space: nowrap; flex: 0 0 auto;
}
.btn:hover { background: var(--navy-dk); color: #fff; }
.btn-sm { padding: .55rem 1.05rem; font-size: .9rem; }
.btn-ghost { background: transparent; color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; }

/* --- hero ----------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden;
  background: var(--bg-alt); border-bottom: 1px solid var(--line);
}
.hero-slides { position: absolute; inset: 0; }
.hero-img {
  position: absolute; inset: 0; display: block;
  opacity: 0; transition: opacity .9s ease-in-out;
}
.hero-img.is-active { opacity: 1; }
.hero-img img {
  display: block; width: 100%; height: 100%;
  object-fit: cover; object-position: 76% 38%;
}
/* Scrim: every frame keeps its subjects right and open sky left, which is
   where the copy sits and where navy type needs help. object-fit crops from
   the sides as the viewport narrows, walking the subjects leftwards into the
   wash - hence the focus point right of centre and an early clear. */
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(100deg,
    rgba(255,255,255,.97) 0%, rgba(255,255,255,.94) 24%,
    rgba(255,255,255,.58) 42%, rgba(255,255,255,0) 64%);
}
.hero-inner { position: relative; z-index: 1; }
.hero .wrap { padding-top: 5rem; padding-bottom: 5rem; }
.hero h1 { max-width: 17ch; }
.hero .lede { font-size: 1.16rem; max-width: 40ch; color: var(--body); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.6rem; }

/* --- hero slideshow controls (built by script; absent without JS) -------- */
.hero-controls { display: flex; align-items: center; gap: 1rem; margin-top: 1.6rem; }
.hero-dots { display: flex; gap: .1rem; }
.hero-dot {
  width: 24px; height: 24px; padding: 0; border: 0; background: none;
  cursor: pointer; position: relative;
}
.hero-dot::before {
  content: ""; position: absolute; inset: 7px;
  border-radius: 50%; border: 1px solid var(--steel); background: transparent;
}
.hero-dot[aria-current]::before { background: var(--navy); border-color: var(--navy); }
.hero-dot:hover::before { border-color: var(--navy); }
.hero-pause {
  border: 0; background: none; padding: .25rem .1rem; cursor: pointer;
  font: 600 .88rem/1 var(--sans); color: var(--navy);
  text-decoration: underline; text-underline-offset: 3px;
}
.hero-dot:focus-visible, .hero-pause:focus-visible {
  outline: 2px solid var(--focus); outline-offset: 2px;
}

/* Under ~1024px there is not enough width for a text column and the subjects
   side by side - the crop would bury them under the scrim. Below that the
   photograph becomes a band above the copy. The band is pinned to an aspect
   ratio, not a fixed height: a fixed height swings the ratio with the
   viewport and shears the subjects. */
@media (max-width: 1024px) {
  .hero-slides { position: relative; aspect-ratio: 5 / 2; }
  .hero-img img { object-position: 50% 40%; }
  .hero::after { display: none; }
  .hero .wrap { padding-top: 2.6rem; padding-bottom: 2.8rem; }
  .hero h1, .hero .lede { max-width: none; }
}
/* Below 700px <picture> swaps to the 3:2 crop; the band takes its ratio. */
@media (max-width: 700px) {
  .hero-slides { aspect-ratio: 3 / 2; }
  .hero-img img { object-position: 50% 50%; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-img { transition: none; }
}

.page-head { border-bottom: 1px solid var(--line); background: var(--bg-alt); }
.page-head .wrap { padding-top: 2.6rem; padding-bottom: 2.6rem; }
.page-head p { margin: 0; font-size: 1.1rem; max-width: 62ch; }

.section { padding: 3.4rem 0; }
.section-alt { background: var(--bg-alt); }
.section > .wrap > h2 { margin-bottom: 1.4rem; }

/* --- cards ---------------------------------------------------------------- */
.grid { display: grid; gap: 1.4rem; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(268px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }

.card {
  border: 1px solid var(--line); border-top: 3px solid var(--steel);
  padding: 1.5rem; background: #fff;
}
.card h3 { margin-bottom: .45rem; }
.card p { margin-bottom: .9rem; font-size: .99rem; }
.card a.more { font-weight: 600; text-decoration: none; font-size: .95rem; }
.card a.more::after { content: " \203A"; }
.card a.more:hover { text-decoration: underline; }

/* --- hub cards (landing.php) ---------------------------------------------- */
.hub .card { display: flex; flex-direction: column; }
.hub .card-img {
  display: block; width: calc(100% + 3rem); max-width: none; margin: -1.5rem -1.5rem 1.1rem;
  aspect-ratio: 3 / 2; object-fit: cover; object-position: 60% 40%;
}
.hub .eyebrow {
  font-size: .78rem; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; color: var(--steel); margin-bottom: .35rem;
}
.hub .eyebrow-green { color: #2e8b57; }
.hub picture { display: block; }
.hub .card a.more { margin-top: auto; }
.hero .formula { font-family: var(--serif); color: var(--navy); font-size: 1.25rem; }

/* --- prose ---------------------------------------------------------------- */
.prose { max-width: 68ch; }
.prose ul, .prose ol { padding-left: 1.3rem; margin: 0 0 1.2rem; }
.prose li { margin-bottom: .45rem; }
.prose .kicker {
  font-family: var(--serif); font-size: 1.2rem; color: var(--navy);
  font-style: italic; margin-bottom: 1.4rem;
}

.layout { display: grid; gap: 3rem; grid-template-columns: minmax(0, 1fr) 300px; }
@media (max-width: 860px) { .layout { grid-template-columns: 1fr; } }

.aside { border: 1px solid var(--line); padding: 1.4rem; background: var(--bg-alt); height: max-content; }
.aside h2 { font-size: 1.1rem; }
.aside ul { list-style: none; margin: 0 0 1.2rem; padding: 0; }
.aside li { border-bottom: 1px solid var(--line); }
.aside li:last-child { border-bottom: 0; }
/* List links only - `.aside a` (0,1,1) would otherwise outrank `.btn` (0,1,0)
   and strip the sidebar CTA's horizontal padding. Same trap as `.nav a`. */
.aside ul a { display: block; padding: .55rem 0; text-decoration: none; font-size: .97rem; }
.aside ul a:hover { text-decoration: underline; }

/* --- team ----------------------------------------------------------------- */

.person { border-top: 1px solid var(--line); padding-top: 1.6rem; margin-top: 1.6rem; overflow: hidden; }
.person:first-of-type { border-top: 0; margin-top: 0; padding-top: 0; }

/* Source headshots are 165x205; shown at 132 wide so they stay crisp. */
.person-photo {
  float: left; width: 132px; height: 164px; object-fit: cover;
  margin: .3rem 1.3rem .8rem 0; border: 1px solid var(--line); background: var(--bg-alt);
}
@media (max-width: 520px) {
  .person-photo { float: none; margin: 0 0 1rem; }
}
.person h3 { margin-bottom: .2rem; }
.person .role { color: var(--steel); font-size: .95rem; margin-bottom: .9rem; font-weight: 600; }
.person .entity {
  font-size: .87rem; color: var(--body); background: var(--bg-alt);
  border-left: 3px solid var(--steel); padding: .5rem .8rem; margin-bottom: .9rem;
}

/* --- forms ---------------------------------------------------------------- */
.form { max-width: 40rem; }
.field { margin-bottom: 1.15rem; }
.field label { display: block; font-weight: 600; color: var(--ink); margin-bottom: .35rem; font-size: .95rem; }
.req { color: #b3261e; }
.field input, .field select, .field textarea {
  width: 100%; padding: .68rem .8rem; font: inherit; font-size: 1rem;
  border: 1px solid #b9c3cf; border-radius: 2px; background: #fff; color: var(--ink);
}
.field textarea { min-height: 8rem; resize: vertical; }
.field .hint { font-size: .87rem; color: var(--body); margin-top: .3rem; }
.row { display: grid; gap: 1.15rem; grid-template-columns: 1fr 1fr; }
@media (max-width: 620px) { .row { grid-template-columns: 1fr; } }

.covers {
  border: 1px solid var(--line); background: var(--bg-alt);
  padding: 1rem 1.15rem 1.1rem; margin: 0 0 1.15rem;
}
.covers[hidden] { display: none; }
.covers legend {
  font-weight: 600; color: var(--ink); font-size: .95rem; padding: 0 .4rem;
}
.covers .hint { font-size: .87rem; color: var(--body); margin: 0 0 .8rem; }

.consent {
  border: 1px solid var(--line); background: var(--bg-alt);
  padding: 1.1rem 1.2rem; margin-bottom: 1.3rem;
}
.consent p { font-size: .92rem; margin-bottom: .8rem; }
.check { display: flex; gap: .65rem; align-items: flex-start; margin-bottom: .7rem; }
.check:last-child { margin-bottom: 0; }
.check input { width: 1.05rem; height: 1.05rem; margin-top: .28rem; flex: 0 0 auto; }
.check label { font-weight: 400; font-size: .92rem; margin: 0; }

.notice { border-left: 4px solid var(--steel); background: var(--bg-alt); padding: 1rem 1.2rem; margin-bottom: 1.6rem; }
.notice p:last-child { margin-bottom: 0; }
.notice.error { border-left-color: #b3261e; }

/* --- footer --------------------------------------------------------------- */
.site-foot { background: var(--navy); color: #cfdae6; margin-top: 3.5rem; }
.site-foot .wrap { padding-top: 3rem; padding-bottom: 2rem; }
.foot-grid { display: grid; gap: 2.2rem; grid-template-columns: 1.6fr 1fr 1fr 1fr; }
@media (max-width: 900px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .foot-grid { grid-template-columns: 1fr; } }
.site-foot h2 { color: #fff; font-size: 1rem; font-family: var(--sans); font-weight: 600; letter-spacing: .04em; text-transform: uppercase; }
.site-foot a { color: #fff; }
.foot-brand img { width: 252px; margin-bottom: .9rem; }
.foot-tag { font-size: .95rem; max-width: 34ch; }
.foot-list { list-style: none; margin: 0; padding: 0; }
.foot-list li { margin-bottom: .45rem; }
.foot-list a, .site-foot address a { text-decoration: none; font-size: .95rem; }
.foot-list a:hover, .site-foot address a:hover { text-decoration: underline; }
.site-foot address { font-style: normal; font-size: .95rem; line-height: 1.7; }
.muted { color: #9fb3c8; }

.foot-legal {
  border-top: 1px solid rgba(255, 255, 255, .18);
  margin-top: 2.4rem; padding-top: 1.5rem;
  font-size: .84rem; line-height: 1.6; color: #a9bccf;
}
.foot-legal p { margin-bottom: .9rem; }
.foot-bottom { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; margin-bottom: 0; }

.todo {
  background: #6b3d00; border: 1px dashed #f0b323; color: #ffe9bf;
  padding: .8rem 1rem;
}

/* --- mobile nav ----------------------------------------------------------- */
@media (max-width: 880px) {
  .nav-toggle {
    display: block; margin-left: auto; width: 44px; height: 40px;
    background: transparent; border: 1px solid var(--line); border-radius: 2px;
    cursor: pointer; position: relative;
  }
  .nav-toggle-bar,
  .nav-toggle-bar::before,
  .nav-toggle-bar::after {
    position: absolute; left: 11px; width: 20px; height: 2px;
    background: var(--navy); content: "";
  }
  .nav-toggle-bar { top: 19px; }
  .nav-toggle-bar::before { top: -6px; }
  .nav-toggle-bar::after { top: 6px; }

  .nav {
    display: none; width: 100%; margin-left: 0; order: 3;
    flex-direction: column; align-items: stretch; gap: 1rem; padding-top: 1rem;
  }
  .nav.is-open { display: flex; }
  .nav ul { flex-direction: column; gap: 0; }
  .nav li { border-bottom: 1px solid var(--line); }
  .nav ul a { padding: .7rem 0; border-bottom: 0; }
  .head-cta { flex-direction: column; align-items: flex-start; gap: .8rem; }
}

@media print {
  .site-head, .site-foot, .hero-actions, .skip { display: none; }
  body { color: #000; font-size: 11pt; }
}