/* Fund My Senior Care — production stylesheet
   Palette sampled from the heart mark: navy, teal, cyan on warm off-white.
   One file. No Bootstrap. Mobile-first. */

:root {
  --navy: #0a3344;
  --navy-deep: #06232e;
  --navy-mid: #0e4a5c;
  --teal: #0d7a76;
  --teal-bright: #12b3a8;
  --cyan: #2ec9bf;
  --cream: #f6f1e6;
  --cream-dark: #ebe3d2;
  --paper: #fffdf8;
  --ink: #152328;
  --muted: #3d5156;
  --line: #d4c9b6;
  --line-strong: #b9ad96;
  --focus: #0a6e68;
  --error: #8a1f1f;
  --error-bg: #fdecec;
  --ok: #1a5c40;
  --ok-bg: #e6f4ec;
  --shadow: 0 10px 30px rgba(6, 35, 46, 0.08);
  --shadow-lg: 0 18px 50px rgba(6, 35, 46, 0.12);
  --radius: 14px;
  --radius-sm: 8px;
  --header-h: 4.5rem;
  --max: 70rem;
  --font: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  --serif: "Source Serif 4", "Iowan Old Style", Georgia, serif;
  --space: clamp(1.25rem, 3vw, 2rem);
}

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

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

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.125rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}
#main { flex: 1 0 auto; }

img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal); text-underline-offset: 0.16em; }
a:hover { color: var(--navy); }
:focus { outline: none; }
:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2rem, 5vw, 3.15rem); margin: 0 0 0.7em; }
h2 { font-size: clamp(1.55rem, 3.2vw, 2.15rem); margin: 0 0 0.6em; }
h3 { font-size: 1.28rem; margin: 0 0 0.45em; }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }

.skip-link {
  position: absolute;
  left: 0.75rem;
  top: -4rem;
  z-index: 1000;
  background: var(--navy);
  color: #fff;
  padding: 0.6rem 1rem;
  border-radius: var(--radius-sm);
}
.skip-link:focus { top: 0.75rem; }

.wrap {
  width: min(calc(100% - 2rem), var(--max));
  margin-inline: auto;
}

/* ——— Header ——— */
.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255, 253, 248, 0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  width: min(calc(100% - 1.5rem), 76rem);
  margin-inline: auto;
  min-height: var(--header-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  color: var(--navy);
  flex-shrink: 0;
}
.brand img {
  width: 44px;
  height: 44px;
  object-fit: contain;
}
.brand-name {
  font-family: var(--serif);
  font-weight: 650;
  font-size: 1.05rem;
  line-height: 1.15;
  letter-spacing: -0.02em;
}
.brand-name small {
  display: block;
  font-family: var(--font);
  font-weight: 500;
  font-size: 0.72rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  border: 1px solid var(--line-strong);
  background: var(--paper);
  color: var(--navy);
  font: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  padding: 0.45rem 0.75rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
}
.nav-toggle-bars {
  display: block;
  width: 1.1rem;
  height: 2px;
  background: currentColor;
  box-shadow: 0 -5px 0 currentColor, 0 5px 0 currentColor;
}

.site-nav {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
  box-shadow: var(--shadow);
  padding: 0.75rem 1rem 1.1rem;
}
.site-nav.is-open { display: block; }

.nav-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}
.nav-list > li > a,
.nav-list > li > button.nav-sub-btn {
  display: block;
  width: 100%;
  text-align: left;
  font: inherit;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
  background: none;
  border: 0;
  padding: 0.65rem 0.4rem;
  cursor: pointer;
  border-radius: var(--radius-sm);
}
.nav-list > li > a:hover,
.nav-list > li > button.nav-sub-btn:hover,
.nav-list > li > a[aria-current="page"] {
  background: var(--cream);
  color: var(--teal);
}

.nav-sub {
  list-style: none;
  margin: 0 0 0.4rem 0.6rem;
  padding: 0.2rem 0 0.2rem 0.7rem;
  border-left: 2px solid var(--cyan);
  display: none;
}
.nav-item-sub.is-open .nav-sub { display: block; }
.nav-sub a {
  display: block;
  padding: 0.4rem 0.35rem;
  color: var(--muted);
  text-decoration: none;
  font-size: 1rem;
  border-radius: 6px;
}
.nav-sub a:hover,
.nav-sub a[aria-current="page"] { color: var(--navy); background: var(--cream); }

.nav-cta { margin-top: 0.5rem; }

@media (min-width: 980px) {
  .nav-toggle { display: none; }
  .site-nav {
    display: block;
    position: static;
    background: none;
    border: 0;
    box-shadow: none;
    padding: 0;
  }
  .nav-list {
    flex-direction: row;
    align-items: center;
    gap: 0.15rem;
  }
  .nav-list > li > a,
  .nav-list > li > button.nav-sub-btn {
    padding: 0.5rem 0.65rem;
    font-size: 0.98rem;
    width: auto;
  }
  .nav-item-sub { position: relative; }
  .nav-sub {
    display: none;
    position: absolute;
    top: calc(100% - 2px);
    left: 0;
    min-width: 16.5rem;
    margin: 0;
    padding: 0.55rem;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    z-index: 30;
  }
  .nav-item-sub:hover .nav-sub,
  .nav-item-sub:focus-within .nav-sub,
  .nav-item-sub.is-open .nav-sub { display: block; }
  .nav-cta { margin-top: 0; margin-left: 0.4rem; }
}

/* ——— Buttons ——— */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  padding: 0.72rem 1.2rem;
  border-radius: 999px;
  font-weight: 650;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  font-family: inherit;
  font-size: 1.02rem;
  line-height: 1.2;
}
.btn-primary {
  background: var(--navy);
  color: #fff;
}
.btn-primary:hover { background: var(--navy-mid); color: #fff; }
.btn-accent {
  background: var(--teal);
  color: #fff;
}
.btn-accent:hover { background: #0a6864; color: #fff; }
.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--line-strong);
}
.btn-ghost:hover { background: var(--paper); color: var(--navy); }
.btn-block { width: 100%; }

/* ——— Hero ——— */
.hero {
  background:
    radial-gradient(1200px 480px at 90% -10%, rgba(46, 201, 191, 0.22), transparent 55%),
    radial-gradient(800px 400px at -10% 110%, rgba(10, 51, 68, 0.08), transparent 50%),
    linear-gradient(180deg, #fffdf8 0%, var(--cream) 100%);
  padding: clamp(2.2rem, 6vw, 4.4rem) 0 clamp(2.4rem, 6vw, 4.2rem);
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid;
  gap: 2rem;
}
.eyebrow {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.7rem;
}
.lede {
  font-size: clamp(1.15rem, 2vw, 1.3rem);
  color: var(--muted);
  max-width: 40rem;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem;
  margin-top: 1.5rem;
}
.hero-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 4px);
  padding: 1.3rem 1.35rem;
  box-shadow: var(--shadow);
}
.hero-card h2 { font-size: 1.15rem; margin-bottom: 0.7rem; }
.hero-card ol {
  margin: 0;
  padding-left: 1.2rem;
}
.hero-card li { margin-bottom: 0.55rem; }
.hero-card li:last-child { margin-bottom: 0; }

@media (min-width: 880px) {
  .hero-grid {
    grid-template-columns: 1.3fr 0.9fr;
    align-items: center;
  }
}

/* ——— Sections ——— */
.section { padding: clamp(2.4rem, 6vw, 4.2rem) 0; }
.section-alt { background: var(--paper); border-block: 1px solid var(--line); }
.section-navy {
  background: var(--navy);
  color: #e8f4f3;
}
.section-navy h2, .section-navy h3 { color: #fff; }
.section-navy a { color: var(--cyan); }
.section-head { max-width: 42rem; margin-bottom: 1.8rem; }
.muted { color: var(--muted); }
.small { font-size: 0.95rem; }

/* ——— Cards / paths ——— */
.cards {
  display: grid;
  gap: 1rem;
}
@media (min-width: 640px) { .cards-2, .cards-3, .cards-4 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 920px) {
  .cards-3 { grid-template-columns: repeat(3, 1fr); }
  .cards-4 { grid-template-columns: repeat(4, 1fr); }
}

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.25rem 1.3rem 1.35rem;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  box-shadow: 0 1px 0 rgba(255,255,255,0.7) inset;
}
.card a.card-link {
  text-decoration: none;
  color: inherit;
  height: 100%;
}
.card a.card-link:hover h3 { color: var(--teal); }
.card-icon {
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 10px;
  background: linear-gradient(160deg, #e6f8f6, #d4eef2);
  color: var(--navy);
  display: grid;
  place-items: center;
  margin-bottom: 0.35rem;
}
.card-icon svg { width: 1.25rem; height: 1.25rem; }
.card p { color: var(--muted); font-size: 1.02rem; }
.card .more {
  margin-top: auto;
  font-weight: 700;
  color: var(--teal);
  font-size: 0.98rem;
}

.steps {
  display: grid;
  gap: 1rem;
  counter-reset: step;
}
@media (min-width: 800px) { .steps { grid-template-columns: repeat(3, 1fr); } }
.step {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.3rem 1.25rem 1.4rem;
  position: relative;
}
.step::before {
  counter-increment: step;
  content: counter(step);
  display: inline-grid;
  place-items: center;
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 0.75rem;
}

/* ——— Trust strip ——— */
.trust {
  display: grid;
  gap: 1rem;
}
@media (min-width: 760px) { .trust { grid-template-columns: repeat(3, 1fr); } }
.trust-item {
  padding: 0.2rem 0.2rem 0.2rem 0;
}
.trust-item strong {
  display: block;
  color: var(--navy);
  font-size: 1.05rem;
  margin-bottom: 0.25rem;
}

/* ——— Rates table ——— */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper);
}
table {
  width: 100%;
  border-collapse: collapse;
  font-size: 1.02rem;
}
th, td {
  text-align: left;
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
th {
  background: var(--navy);
  color: #fff;
  font-weight: 650;
}
tr:last-child td { border-bottom: 0; }
tr:nth-child(even) td { background: #fbf8f1; }
.num { font-variant-numeric: tabular-nums; white-space: nowrap; }
.note {
  background: #eef7f6;
  border-left: 4px solid var(--teal);
  padding: 0.95rem 1.1rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  margin: 1.2rem 0;
}
.note-warn {
  background: #fff6e8;
  border-left-color: #c9852a;
}
.disclosure {
  font-size: 0.95rem;
  color: var(--muted);
  border-top: 1px solid var(--line);
  padding-top: 1rem;
  margin-top: 1.6rem;
}

/* ——— Prose pages ——— */
.prose { max-width: 44rem; }
.prose ul, .prose ol { padding-left: 1.25rem; margin: 0 0 1.1rem; }
.prose li { margin-bottom: 0.4rem; }
.split {
  display: grid;
  gap: 2rem;
}
@media (min-width: 900px) {
  .split { grid-template-columns: 1.15fr 0.85fr; align-items: start; }
  .split-form { position: sticky; top: calc(var(--header-h) + 1.1rem); }
}

/* ——— Forms ——— */
.form-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 2px);
  padding: 1.3rem 1.25rem 1.4rem;
  box-shadow: var(--shadow);
}
.form-card h2 { font-size: 1.35rem; }
.field { margin-bottom: 0.95rem; }
.field label,
.field .label {
  display: block;
  font-weight: 650;
  color: var(--navy);
  margin-bottom: 0.3rem;
  font-size: 1rem;
}
.req { color: var(--error); }
.hint { display: block; font-size: 0.88rem; color: var(--muted); font-weight: 400; margin-top: 0.2rem; }
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  width: 100%;
  font: inherit;
  color: var(--ink);
  background: #fff;
  border: 1.5px solid var(--line-strong);
  border-radius: var(--radius-sm);
  padding: 0.62rem 0.75rem;
}
textarea { min-height: 7.5rem; resize: vertical; }
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-color: var(--teal);
}
.field-error input,
.field-error select,
.field-error textarea { border-color: var(--error); background: var(--error-bg); }
.error-text { color: var(--error); font-size: 0.9rem; margin-top: 0.25rem; display: none; }
.field-error .error-text { display: block; }
.check {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  font-size: 0.98rem;
}
.check input { margin-top: 0.3rem; width: 1.1rem; height: 1.1rem; accent-color: var(--teal); flex-shrink: 0; }
.hp { position: absolute; left: -9999px; height: 0; overflow: hidden; }
.form-status {
  display: none;
  margin: 0 0 0.8rem;
  padding: 0.7rem 0.85rem;
  border-radius: var(--radius-sm);
}
.form-status.is-error { display: block; background: var(--error-bg); color: var(--error); }
.form-status.is-ok { display: block; background: var(--ok-bg); color: var(--ok); }

/* ——— Footer ——— */
.site-footer {
  background: var(--navy-deep);
  color: #c9d8dc;
  padding: 2.6rem 0 1.6rem;
  margin-top: auto;
}
.footer-grid {
  display: grid;
  gap: 1.6rem;
}
@media (min-width: 760px) {
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
}
.site-footer a { color: #e8f4f3; }
.site-footer h2 {
  font-family: var(--font);
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--cyan);
  margin-bottom: 0.7rem;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: #fff;
  text-decoration: none;
  font-family: var(--serif);
  font-weight: 650;
  margin-bottom: 0.7rem;
}
.footer-brand img { width: 36px; height: 36px; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 0.35rem; }
.legal {
  margin-top: 2rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.12);
  font-size: 0.9rem;
}
.legal p { margin-bottom: 0.5rem; }

/* ——— 404 / thank-you ——— */
.center-page {
  min-height: 55vh;
  display: grid;
  align-content: center;
  text-align: left;
  padding: 3rem 0;
}

/* ——— Utilities ——— */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}
.cluster { display: flex; flex-wrap: wrap; gap: 0.65rem; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
address { font-style: normal; }


/* ——— Path chooser ——— */
.chooser { display: grid; gap: 0.7rem; }
@media (min-width: 720px) { .chooser { grid-template-columns: 1fr 1fr; } }
.chooser a {
  display: block;
  background: var(--paper);
  border: 1.5px solid var(--line);
  border-radius: 12px;
  padding: 0.95rem 1.1rem;
  text-decoration: none;
  color: var(--navy);
  font-weight: 650;
}
.chooser a:hover { border-color: var(--teal); background: #f3fffd; color: var(--navy); }
.chooser a span { display: block; font-weight: 500; color: var(--muted); font-size: 0.98rem; margin-top: 0.15rem; }
.btn[disabled], button[disabled] { opacity: 0.5; cursor: not-allowed; filter: grayscale(0.15); }