/* ============================================================
   LTCCPAS.COM — Comprehensive Stylesheet
   Fonts: Playfair Display + DM Sans
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=EB+Garamond:ital,wght@0,400;0,600;0,700;1,400;1,700&family=Source+Sans+3:wght@400;500;600&display=swap');

/* ── CSS Variables ─────────────────────────────────────────── */
:root {
  --navy:       #1a2f4e;
  --navy-dark:  #0f1e32;
  --blue:       #2563a8;
  --gold:       #c8982a;
  --gold-light: #e8b84b;
  --white:      #ffffff;
  --off-white:  #f8f9fb;
  --gray:       #f0f2f5;
  --text:       #2d3748;
  --muted:      #718096;
  --border:     #e2e8f0;
}

/* ── Reset & Base ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Source Sans 3', sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
}

h1, h2, h3, h4 {
  font-family: 'EB Garamond', serif;
  line-height: 1.25;
}

a { color: var(--blue); text-decoration: none; transition: color .2s; }
a:hover { color: var(--gold); }

img { max-width: 100%; display: block; }

ul { list-style: none; }

/* ── Inner Container ───────────────────────────────────────── */
.inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Top Bar ───────────────────────────────────────────────── */
.top-bar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.8);
  font-size: 13px;
  padding: 8px 0;
}
.top-bar .inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}
.top-bar a {
  color: rgba(255,255,255,.8);
  text-decoration: none;
}
.top-bar a:hover { color: var(--gold-light); }
.top-bar .phone {
  color: var(--gold-light);
  font-weight: 600;
}

/* ── Header ────────────────────────────────────────────────── */
header {
  background: var(--white);
  border-bottom: 3px solid var(--gold);
  padding: 16px 0;
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: box-shadow .25s, padding .25s;
}
header.sticky {
  box-shadow: 0 4px 20px rgba(0,0,0,.12);
  padding: 10px 0;
}
header .inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

/* Brand */
.brand-link {
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.brand-name {
  font-family: 'EB Garamond', serif;
  font-size: 19px;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: .4px;
  line-height: 1;
}
.brand-tagline {
  font-size: 12px;
  color: var(--muted);
  font-weight: 500;
  letter-spacing: .2px;
}
.brand-sub {
  font-size: 11px;
  color: var(--gold);
  font-weight: 600;
  letter-spacing: .3px;
  margin-top: 1px;
}

/* Header Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 9px 20px;
  border-radius: 4px;
  font-family: 'Source Sans 3', sans-serif;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all .2s;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-outline {
  border-color: var(--navy);
  color: var(--navy);
  background: transparent;
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-gold, a.btn-gold {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
  font-weight: 600;
  border-radius: 4px;
  padding: 9px 22px;
  display: inline-block;
  transition: background .2s, border-color .2s;
}
.btn-gold:hover, a.btn-gold:hover {
  background: #a97e22;
  border-color: #a97e22;
  color: var(--white);
}
.btn-outline-white {
  display: inline-block;
  padding: 12px 28px;
  border: 2px solid rgba(255,255,255,.85);
  border-radius: 4px;
  color: var(--white);
  font-weight: 600;
  font-size: 15px;
  background: transparent;
  transition: all .2s;
}
.btn-outline-white:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

/* Mobile nav toggle */
#nav-toggle {
  display: none;
  background: none;
  border: 2px solid var(--navy);
  border-radius: 4px;
  color: var(--navy);
  font-size: 20px;
  padding: 5px 10px;
  cursor: pointer;
  transition: all .2s;
}
#nav-toggle:hover {
  background: var(--navy);
  color: var(--white);
}

/* ── Navigation ────────────────────────────────────────────── */
nav {
  background: var(--navy);
  position: relative;
  z-index: 999;
}
nav > ul {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: stretch;
  gap: 0;
}
nav > ul > li {
  position: relative;
}
nav > ul > li > a {
  display: block;
  padding: 14px 18px;
  color: rgba(255,255,255,.9);
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  transition: color .2s, background .2s;
  white-space: nowrap;
  position: relative;
}
nav > ul > li > a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 18px;
  right: 18px;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .2s;
}
nav > ul > li > a:hover::after,
nav > ul > li > a.active::after {
  transform: scaleX(1);
}
nav > ul > li > a:hover,
nav > ul > li > a.active {
  color: var(--gold-light);
}

/* Dropdown */
.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 280px;
  background: var(--white);
  border-top: 3px solid var(--gold);
  border-radius: 0 0 8px 8px;
  box-shadow: 0 8px 30px rgba(0,0,0,.15);
  z-index: 1000;
  padding: 8px 0;
}
.has-dropdown:hover .dropdown,
.has-dropdown.open .dropdown {
  display: block;
}
.dropdown li a {
  display: block;
  padding: 10px 20px;
  color: var(--text);
  font-size: 14px;
  font-weight: 400;
  transition: background .15s, color .15s, padding-left .15s;
}
.dropdown li a:hover {
  background: var(--off-white);
  color: var(--navy);
  padding-left: 26px;
}

/* ── Hero ──────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, rgba(15,30,50,.75) 0%, rgba(26,47,78,.65) 100%),
              url('../images/hero-seniors.jpg') center/cover no-repeat;
  padding: 110px 20px 100px;
  text-align: center;
  color: var(--white);
}
.hero-content {
  max-width: 780px;
  margin: 0 auto;
}
.hero h1 {
  font-family: 'EB Garamond', serif;
  font-size: 52px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
}
.hero p {
  font-size: 20px;
  color: rgba(255,255,255,.92);
  margin-bottom: 36px;
  max-width: 620px;
  margin-left: auto;
  margin-right: auto;
}
.hero-btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}
.hero-btns .btn-gold {
  font-size: 16px;
  padding: 14px 32px;
}

/* ── Trust Bar ─────────────────────────────────────────────── */
.trust-bar {
  background: var(--navy-dark);
  padding: 36px 24px;
}
.trust-bar .inner {
  display: flex;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.trust-stat {
  flex: 1;
  min-width: 180px;
  text-align: center;
  padding: 16px 32px;
  border-right: 1px solid rgba(255,255,255,.12);
}
.trust-stat:last-child { border-right: none; }
.trust-stat .number {
  font-family: 'EB Garamond', serif;
  font-size: 36px;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}
.trust-stat .label {
  font-size: 13px;
  color: rgba(255,255,255,.75);
  text-transform: uppercase;
  letter-spacing: .5px;
}

/* ── Section Titles ────────────────────────────────────────── */
.section-title {
  font-family: 'EB Garamond', serif;
  font-size: 34px;
  color: var(--navy);
  text-align: center;
  margin-bottom: 12px;
  position: relative;
  display: inline-block;
}
.section-title::after {
  content: '';
  display: block;
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin: 12px auto 0;
}
.section-header {
  text-align: center;
  margin-bottom: 48px;
}
.section-header p {
  color: var(--muted);
  font-size: 17px;
  max-width: 580px;
  margin: 16px auto 0;
}

/* ── Cards ─────────────────────────────────────────────────── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 32px 28px;
  box-shadow: 0 2px 12px rgba(0,0,0,.06);
  transition: transform .25s, box-shadow .25s;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 30px rgba(0,0,0,.12);
}
.card .icon {
  font-size: 48px;
  margin-bottom: 14px;
  display: block;
  line-height: 1;
}
.card h3 {
  font-family: 'EB Garamond', serif;
  color: var(--navy);
  font-size: 20px;
  margin-bottom: 10px;
}
.card p {
  color: var(--muted);
  font-size: 15px;
  line-height: 1.7;
}

/* Cards Grid */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

/* ── Process Steps ─────────────────────────────────────────── */
.process-steps {
  display: flex;
  gap: 32px;
  justify-content: center;
  flex-wrap: wrap;
}
.process-step {
  flex: 1;
  min-width: 220px;
  max-width: 320px;
  text-align: center;
  padding: 32px 24px;
}
.step-number {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--white);
  font-family: 'EB Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(200,152,42,.35);
}
.process-step h3 {
  font-family: 'EB Garamond', serif;
  color: var(--navy);
  font-size: 18px;
  margin-bottom: 10px;
}
.process-step p {
  color: var(--muted);
  font-size: 15px;
}

/* ── Topic Grid ────────────────────────────────────────────── */
.topic-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.topic-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 22px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  transition: all .25s;
  color: var(--text);
  text-decoration: none;
}
.topic-card:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 18px rgba(0,0,0,.1);
  transform: translateY(-2px);
  color: var(--navy);
}
.topic-card span:first-child {
  font-size: 14px;
  font-weight: 500;
  line-height: 1.4;
  flex: 1;
}
.topic-card .arrow {
  color: var(--gold);
  font-size: 18px;
  flex-shrink: 0;
  transition: transform .2s;
}
.topic-card:hover .arrow {
  transform: translateX(4px);
}

/* ── Home About Strip ──────────────────────────────────────── */
.home-about {
  background: var(--off-white);
  padding: 80px 0;
}
.home-about .inner-flex {
  display: flex;
  gap: 48px;
  align-items: center;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}
.home-about-text {
  flex: 2;
}
.home-about-text h2 {
  font-family: 'EB Garamond', serif;
  font-size: 32px;
  color: var(--navy);
  margin-bottom: 16px;
}
.home-about-text p {
  color: var(--text);
  margin-bottom: 14px;
  font-size: 15.5px;
}
.home-about-text .btn-gold {
  margin-top: 10px;
}
.cta-box {
  background: var(--navy) !important;
  color: var(--white);
  border-radius: 10px;
  padding: 32px 24px;
  width: 220px;
  min-width: 220px;
  max-width: 220px;
  text-align: center;
  flex-shrink: 0;
}
.cta-box h3 {
  font-family: 'EB Garamond', serif;
  font-size: 22px;
  color: var(--white);
  margin-bottom: 12px;
}
.cta-box p {
  font-size: 14px;
  color: rgba(255,255,255,.8);
  margin-bottom: 20px;
}
.cta-box .btn-gold {
  display: block;
  text-align: center;
  font-size: 15px;
  padding: 12px 24px;
}

/* ── Contact Teaser ────────────────────────────────────────── */
.contact-teaser {
  background: var(--navy);
  padding: 64px 24px;
  text-align: center;
  color: var(--white);
}
.contact-teaser h2 {
  font-family: 'EB Garamond', serif;
  font-size: 32px;
  color: var(--white);
  margin-bottom: 12px;
}
.contact-teaser p {
  color: rgba(255,255,255,.8);
  font-size: 17px;
  margin-bottom: 10px;
}
.contact-teaser .phone-big {
  font-size: 28px;
  font-weight: 700;
  color: var(--gold-light);
  display: block;
  margin-bottom: 24px;
  font-family: 'EB Garamond', serif;
}

/* ── Page Hero ─────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 60px 24px;
  color: var(--white);
}
.page-hero h1 {
  font-family: 'EB Garamond', serif;
  font-size: 36px;
  color: var(--white);
  margin-bottom: 8px;
}
.page-hero p {
  color: rgba(255,255,255,.8);
  font-size: 17px;
  margin-top: 8px;
}
.page-hero .breadcrumb {
  font-size: 13px;
  color: rgba(255,255,255,.6);
  margin-bottom: 12px;
}
.page-hero .breadcrumb a {
  color: rgba(255,255,255,.6);
}
.page-hero .breadcrumb a:hover { color: var(--gold-light); }

/* ── Two-Column Layout ─────────────────────────────────────── */
.page-wrap { padding: 60px 0; }
.two-col {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  gap: 48px;
  align-items: flex-start;
}
.content-area { flex: 1; min-width: 0; }
.content-area h2 {
  font-family: 'EB Garamond', serif;
  font-size: 26px;
  color: var(--navy);
  margin: 32px 0 12px;
}
.content-area h2:first-child { margin-top: 0; }
.content-area h3 {
  font-family: 'EB Garamond', serif;
  font-size: 20px;
  color: var(--navy);
  margin: 24px 0 10px;
}
.content-area p { color: var(--text); margin-bottom: 14px; font-size: 15.5px; line-height: 1.75; }
.content-area ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 16px;
}
.content-area ul li { color: var(--text); margin-bottom: 6px; font-size: 15.5px; line-height: 1.7; }

/* Sidebar */
.sidebar { width: 300px; flex-shrink: 0; }
.sidebar-box {
  background: #eef3f8;
  border-top: 4px solid var(--gold);
  border-radius: 0 0 8px 8px;
  padding: 24px 22px;
  margin-bottom: 24px;
}
.sidebar-box h3 {
  font-family: 'EB Garamond', serif;
  font-size: 17px;
  color: var(--navy);
  margin-bottom: 14px;
}
.sidebar-box ul { list-style: none; padding: 0; }
.sidebar-box ul li { margin-bottom: 8px; }
.sidebar-box ul li a {
  color: var(--blue);
  font-size: 14px;
  text-decoration: none;
  transition: color .2s;
}
.sidebar-box ul li a:hover { color: var(--gold); }
.sidebar-box p { font-size: 14px; color: var(--text); margin-bottom: 10px; }
.sidebar-box .btn-gold {
  display: block;
  text-align: center;
  padding: 11px 16px;
  font-size: 14px;
  margin-top: 12px;
}

/* ── Stat Row ──────────────────────────────────────────────── */
.stat-row {
  display: flex;
  gap: 24px;
  margin: 32px 0;
  flex-wrap: wrap;
}
.stat-card {
  flex: 1;
  min-width: 160px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 28px 20px;
  text-align: center;
  box-shadow: 0 2px 10px rgba(0,0,0,.06);
}
.stat-card .stat-number {
  font-family: 'EB Garamond', serif;
  font-size: 34px;
  font-weight: 700;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-card .stat-label {
  font-size: 13px;
  color: var(--navy);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .5px;
}

/* ── Insight Callout ───────────────────────────────────────── */
.insight-callout {
  border-left: 5px solid var(--gold);
  background: #fef9ee;
  padding: 24px 28px;
  border-radius: 0 8px 8px 0;
  margin: 28px 0;
}
.insight-callout p {
  color: var(--text);
  font-size: 16px;
  line-height: 1.7;
  margin: 0;
}

/* ── Outcome Grid ──────────────────────────────────────────── */
.outcome-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin: 28px 0;
}
.outcome-card {
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: 0 2px 10px rgba(0,0,0,.06);
}
.outcome-card .outcome-header {
  padding: 16px 20px;
  color: var(--white);
  font-family: 'EB Garamond', serif;
  font-size: 17px;
  font-weight: 700;
}
.outcome-card.positive .outcome-header { background: #2d8a4e; }
.outcome-card.negative .outcome-header { background: #c0392b; }
.outcome-card ul {
  list-style: none;
  padding: 20px 20px;
  margin: 0;
}
.outcome-card ul li {
  padding: 6px 0;
  font-size: 14.5px;
  color: var(--text);
  border-bottom: 1px solid var(--border);
}
.outcome-card ul li:last-child { border-bottom: none; }

/* ── Bio Card ──────────────────────────────────────────────── */
.bio-card {
  display: flex;
  gap: 32px;
  align-items: flex-start;
  margin-bottom: 32px;
}
.bio-avatar {
  width: 200px;
  height: 200px;
  min-width: 200px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  font-family: 'EB Garamond', serif;
  font-size: 24px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(0,0,0,.2);
}
.bio-info h2 {
  font-family: 'EB Garamond', serif;
  font-size: 24px;
  color: var(--navy);
  margin: 0 0 4px;
}
.bio-info .bio-title {
  color: var(--gold);
  font-weight: 600;
  font-size: 14px;
  margin-bottom: 14px;
  display: block;
}
.bio-info p {
  color: var(--text);
  font-size: 15.5px;
  line-height: 1.75;
  margin-bottom: 12px;
}

/* ── CPA Callout ───────────────────────────────────────────── */
.cpa-callout {
  background: var(--navy);
  color: var(--white);
  border-radius: 10px;
  padding: 36px 40px;
  margin: 36px 0;
  border-left: 6px solid var(--gold);
}
.cpa-callout h2 {
  font-family: 'EB Garamond', serif;
  font-size: 24px;
  color: var(--gold-light);
  margin-bottom: 14px;
}
.cpa-callout p {
  color: rgba(255,255,255,.88);
  font-size: 16px;
  line-height: 1.75;
  margin: 0;
}

/* ── Checklist ─────────────────────────────────────────────── */
.checklist {
  list-style: none;
  padding: 0;
  margin: 20px 0;
}
.checklist li {
  padding: 10px 0 10px 36px;
  position: relative;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  font-size: 15.5px;
  line-height: 1.6;
}
.checklist li:last-child { border-bottom: none; }
.checklist li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 10px;
  color: var(--gold);
  font-weight: 700;
  font-size: 18px;
}

/* ── Contact Split ─────────────────────────────────────────── */
.contact-split {
  display: flex;
  gap: 48px;
  align-items: flex-start;
}
.contact-form-wrap { flex: 1; }
.contact-info-wrap { width: 320px; flex-shrink: 0; }

/* Form styles */
.form-group { margin-bottom: 20px; }
.form-row { display: flex; gap: 16px; }
.form-row .form-group { flex: 1; }
label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: .4px;
}
input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-family: 'Source Sans 3', sans-serif;
  font-size: 15px;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
}
input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(37,99,168,.12);
}
textarea { min-height: 130px; resize: vertical; }
.form-submit .btn-gold {
  width: 100%;
  text-align: center;
  font-size: 16px;
  padding: 14px;
  border: none;
  cursor: pointer;
}

/* What to Expect */
.what-to-expect ol {
  list-style: none;
  padding: 0;
  margin: 14px 0;
  counter-reset: step-counter;
}
.what-to-expect ol li {
  counter-increment: step-counter;
  padding: 10px 0 10px 40px;
  position: relative;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
  color: var(--text);
  line-height: 1.5;
}
.what-to-expect ol li:last-child { border-bottom: none; }
.what-to-expect ol li::before {
  content: counter(step-counter);
  position: absolute;
  left: 0;
  top: 8px;
  width: 26px;
  height: 26px;
  background: var(--gold);
  color: var(--white);
  border-radius: 50%;
  font-size: 12px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Contact callout */
.complimentary-callout {
  background: #fef9ee;
  border: 1.5px solid var(--gold);
  border-radius: 8px;
  padding: 20px;
  margin-top: 24px;
  font-size: 14px;
  color: var(--text);
  line-height: 1.6;
}

/* ── Data Table ────────────────────────────────────────────── */
.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  font-size: 15px;
}
.data-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--off-white); }

/* ── Callout Box ───────────────────────────────────────────── */
.callout {
  background: #eef3f8;
  border-left: 4px solid var(--blue);
  padding: 20px 24px;
  border-radius: 0 8px 8px 0;
  margin: 28px 0;
  font-size: 15px;
  color: var(--text);
}
.callout p { margin: 0; }

/* ── Scenario ──────────────────────────────────────────────── */
.scenario {
  background: var(--off-white);
  border-radius: 8px;
  padding: 22px 24px;
  margin-bottom: 20px;
}
.scenario h3 {
  color: var(--navy);
  font-size: 18px;
  margin-bottom: 8px;
}

/* ── Newsletter styles ─────────────────────────────────────── */
.newsletter-header {
  border-bottom: 2px solid var(--gold);
  padding-bottom: 16px;
  margin-bottom: 24px;
}
.newsletter-header h2 {
  font-family: 'EB Garamond', serif;
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 4px;
}
.newsletter-header p { color: var(--muted); font-size: 14px; margin: 0; }
.newsletter-body h3 {
  font-family: 'EB Garamond', serif;
  font-size: 17px;
  color: var(--navy);
  margin: 24px 0 8px;
  padding-bottom: 6px;
  border-bottom: 1px solid var(--border);
}
.newsletter-body ul {
  list-style: disc;
  padding-left: 22px;
  margin-bottom: 14px;
}
.newsletter-body ul li { color: var(--text); margin-bottom: 6px; font-size: 15px; }

/* ── Case intro ────────────────────────────────────────────── */
.case-intro {
  background: var(--off-white);
  border-radius: 8px;
  padding: 24px 28px;
  margin-bottom: 28px;
  border-left: 4px solid var(--gold);
}
.case-intro h2 {
  font-size: 20px;
  color: var(--navy);
  margin-bottom: 12px;
}

/* ── FAQ styles ────────────────────────────────────────────── */
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.faq-item:last-child { border-bottom: none; }
.faq-item h3 {
  font-family: 'EB Garamond', serif;
  font-size: 17px;
  color: var(--navy);
  margin-bottom: 8px;
}
.faq-item p { color: var(--text); font-size: 15px; line-height: 1.7; margin: 0; }

/* ── Sections ──────────────────────────────────────────────── */
section { padding: 72px 24px; }
section.bg-gray { background: var(--gray); }
section.bg-off-white { background: var(--off-white); }

/* ── Footer ────────────────────────────────────────────────── */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,.8);
  padding-top: 60px;
}
.footer-inner {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px 48px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}
.footer-col h4 {
  font-family: 'EB Garamond', serif;
  font-size: 15px;
  color: var(--white);
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
}
.footer-col p { font-size: 13.5px; line-height: 1.7; color: rgba(255,255,255,.7); margin-bottom: 10px; }
.footer-col ul { list-style: none; padding: 0; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a {
  color: rgba(255,255,255,.7);
  font-size: 13.5px;
  text-decoration: none;
  transition: color .2s;
}
.footer-col ul li a:hover { color: var(--gold-light); }
.footer-col a { color: rgba(255,255,255,.7); font-size: 13.5px; }
.footer-col a:hover { color: var(--gold-light); }
.linkedin-link { display: inline-block; margin-top: 8px; }
.footer-btn {
  display: inline-block;
  margin-top: 14px;
  font-size: 13px;
  padding: 9px 18px;
}
.footer-disclaimer {
  font-size: 11.5px;
  color: rgba(255,255,255,.45);
  margin-top: 12px;
}
.footer-bottom {
  background: rgba(0,0,0,.25);
  padding: 16px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  max-width: 100%;
}
.footer-bottom span { font-size: 12px; color: rgba(255,255,255,.5); }
.footer-bottom a { color: rgba(255,255,255,.5); text-decoration: none; }
.footer-bottom a:hover { color: var(--gold-light); }

/* ── Page Content Fade-in ──────────────────────────────────── */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: none; }
}
#page-content {
  animation: fadeIn .4s ease both;
}

/* ── Articles ──────────────────────────────────────────────── */
.article-wrap {
  max-width: 800px;
  margin: 0 auto;
  padding: 40px 24px 60px;
}
.article-wrap p {
  font-size: 16px;
  color: #4a5568;
  line-height: 1.9;
  margin-bottom: 1.4em;
}
.article-section { margin-top: 48px; }
.article-eyebrow {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--gold);
  margin-bottom: 8px;
}
.article-section h2 {
  background: var(--navy);
  color: #fff;
  padding: 12px 20px;
  border-radius: 6px;
  font-size: 1.35rem;
  margin-bottom: 0;
}
.article-divider {
  width: 48px;
  height: 3px;
  background: var(--gold);
  margin: 12px 0 24px;
}
.article-stat { font-weight: 700; color: var(--navy); }
.article-pullquote {
  border-left: 4px solid var(--gold);
  padding: 20px 28px;
  background: #f9fbff;
  border-radius: 0 6px 6px 0;
  margin: 32px 0;
  font-family: 'EB Garamond', serif;
  font-size: 18px;
  line-height: 1.65;
  color: var(--navy);
  font-style: italic;
}
.article-bullets {
  list-style: disc;
  padding-left: 28px;
  color: #4a5568;
  font-size: 16px;
  line-height: 2.1;
  margin: 12px 0 20px;
}
.article-status-box, .article-number-block {
  background: #f9fbff;
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: 0 6px 6px 0;
  padding: 20px 28px;
  margin: 24px 0;
}
.article-status-box p, .article-number-block p {
  margin-bottom: 8px;
  font-size: 15px;
}
.article-status-box p:last-child, .article-number-block p:last-child { margin-bottom: 0; }
.article-status-box strong { color: var(--navy); }
.article-cta-box {
  background: var(--navy);
  border-radius: 8px;
  padding: 40px;
  margin-top: 48px;
  text-align: center;
}
.article-cta-box h3 { color: #fff; margin-bottom: 12px; }
.article-cta-box p { color: rgba(255,255,255,.75); font-size: 15px; margin-bottom: 24px; }
.article-disclaimer {
  font-size: 11.5px;
  color: #718096;
  line-height: 1.75;
  border-top: 1px solid var(--border);
  padding-top: 24px;
  margin-top: 40px;
}
.article-card {
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
  text-decoration: none;
  display: block;
  color: inherit;
}
.article-card-header {
  background: var(--navy);
  color: var(--gold-light);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 12px 24px;
  border-bottom: 3px solid var(--gold);
}
.article-card-title {
  background: #eef2f8;
  color: var(--navy);
  font-family: 'EB Garamond', serif;
  font-size: 17px;
  font-weight: 700;
  padding: 16px 24px;
  border-bottom: 1px solid #dde3ec;
  line-height: 1.4;
}
.article-card-body {
  padding: 20px 24px 24px;
}
.article-card h3 { color: var(--navy); margin-bottom: 10px; font-size: 20px; }
.article-card p { color: #4a5568; font-size: 14px; line-height: 1.7; margin: 0; }
.article-card-arrow { color: var(--gold); font-weight: 700; margin-top: 16px; display: block; font-size: 14px; }
@media (max-width: 860px) {
  .article-wrap { padding: 28px 16px 40px; }
  .article-pullquote { padding: 16px 18px; font-size: 16px; }
  .article-cta-box { padding: 28px 20px; }
}

/* ── Utility ───────────────────────────────────────────────── */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

/* ── Responsive ────────────────────────────────────────────── */
@media (max-width: 1040px) {
  .cards-grid { grid-template-columns: repeat(2, 1fr); }
  .topic-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 860px) {
  /* Nav */
  #nav-toggle { display: flex; }
  nav { overflow: hidden; }
  nav > ul {
    display: none;
    flex-direction: column;
    padding: 8px 0;
    gap: 0;
  }
  nav.open > ul { display: flex; }
  nav > ul > li > a { padding: 12px 20px; }
  nav > ul > li > a::after { display: none; }

  /* Dropdown on mobile */
  .dropdown {
    position: static;
    box-shadow: none;
    border-radius: 0;
    border-top: none;
    border-left: 3px solid var(--gold);
    margin-left: 20px;
    padding: 4px 0;
    background: rgba(255,255,255,.05);
  }
  .has-dropdown:hover .dropdown { display: none; }
  .has-dropdown.open .dropdown { display: block; }
  .dropdown li a { color: rgba(255,255,255,.8); padding: 9px 16px; font-size: 13px; }
  .dropdown li a:hover { background: rgba(255,255,255,.1); color: var(--gold-light); padding-left: 20px; }

  /* Layout */
  .hero h1 { font-size: 36px; }
  .hero p { font-size: 17px; }
  .cards-grid { grid-template-columns: 1fr; }
  .topic-grid  { grid-template-columns: 1fr; }
  .outcome-grid { grid-template-columns: 1fr; }
  .two-col { flex-direction: column; }
  .sidebar { width: 100%; }
  .contact-split { flex-direction: column; }
  .contact-info-wrap { width: 100%; }
  .form-row { flex-direction: column; gap: 0; }
  .home-about .inner-flex { flex-direction: column; }
  .cta-box { width: 100%; }
  .bio-card { flex-direction: column; }
  .process-steps { flex-direction: column; align-items: center; }
  .stat-row { flex-direction: column; }
  .trust-bar .inner { flex-direction: column; }
  .trust-stat { border-right: none; border-bottom: 1px solid rgba(255,255,255,.12); }
  .trust-stat:last-child { border-bottom: none; }
  footer .footer-inner { grid-template-columns: 1fr 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .top-bar .inner { flex-direction: column; gap: 4px; text-align: center; }
  header .inner { flex-wrap: wrap; }
  .header-actions .btn-outline { display: none; }
  .cpa-callout { padding: 24px 22px; }
  .section-title { font-size: 26px; }
}

@media (max-width: 520px) {
  .hero { padding: 70px 16px 60px; }
  .hero h1 { font-size: 28px; }
  footer .footer-inner { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 26px; }
}

/* ── Career Timeline (about-us) ────────────────────────────── */
.timeline { display:flex; flex-direction:column; gap:0; margin:1.5rem 0 2rem; }
.timeline-item {
  display:flex;
  gap:1.25rem;
  padding-bottom:2rem;
  position:relative;
}
.timeline-item:last-child { padding-bottom:0; }
.timeline-item::before {
  content:'';
  position:absolute;
  left:19px;
  top:40px;
  bottom:0;
  width:2px;
  background:var(--border);
}
.timeline-item:last-child::before { display:none; }
.timeline-dot {
  width:40px;
  height:40px;
  border-radius:50%;
  background:var(--navy);
  border:2px solid var(--gold);
  display:flex;
  align-items:center;
  justify-content:center;
  flex-shrink:0;
  font-size:0.7rem;
  font-weight:700;
  color:var(--gold);
  font-family:'EB Garamond',serif;
  position:relative;
  z-index:1;
}
.timeline-body { padding-top:0.4rem; flex:1; }
.timeline-org {
  font-weight:700;
  color:var(--navy);
  font-size:0.95rem;
  margin-bottom:0.1rem;
  line-height:1.3;
}
.timeline-dates {
  font-size:0.72rem;
  color:var(--muted);
  font-weight:500;
  letter-spacing:0.06em;
  margin-bottom:0.2rem;
}
.timeline-role {
  font-size:0.76rem;
  color:var(--gold);
  font-weight:600;
  letter-spacing:0.07em;
  text-transform:uppercase;
  margin-bottom:0.5rem;
}
.timeline-desc {
  font-size:0.875rem;
  color:#4a5568;
  line-height:1.65;
  margin:0;
}

/* ── Carrier Comparison Table ──────────────────────────────── */
.table-scroll { overflow-x:auto; -webkit-overflow-scrolling:touch; border-radius:6px; border:1px solid #dde3ec; }
.carrier-table {
  table-layout:fixed;
  width:100%;
  min-width:820px;
  border-collapse:collapse;
  font-size:0.74rem;
  font-family:'Source Sans 3',sans-serif;
}
.carrier-table th:first-child,
.carrier-table td:first-child { width:20%; white-space:normal; }
.carrier-table thead tr { border-bottom:2px solid #c8982a; }
.carrier-table th {
  padding:0.6rem 0.45rem;
  font-size:0.62rem;
  font-weight:600;
  vertical-align:top;
  text-align:center;
  background:#1a2f4e;
  color:#fff;
  border-right:1px solid rgba(255,255,255,.12);
  white-space:normal;
  line-height:1.3;
}
.carrier-table th:first-child { text-align:left; padding-left:0.75rem; background:#162840; }
.carrier-table th.col-rec { background:#1a3a60 !important; border-top:3px solid #c8982a; }
.carrier-table td {
  padding:0.65rem 0.45rem;
  font-size:0.74rem;
  vertical-align:middle;
  text-align:center;
  border-bottom:1px solid #dde3ec;
  border-right:1px solid #e8ecf2;
  line-height:1.35;
}
.carrier-table td:first-child {
  font-size:0.76rem;
  font-weight:600;
  color:#1a2f4e;
  text-align:left;
  padding-left:0.75rem;
  background:#f9fbff;
  border-right:2px solid #dde3ec;
}
.carrier-table tbody tr:nth-child(even) td:not(:first-child) { background:#fafbfd; }
.carrier-table tbody tr:nth-child(odd)  td:not(:first-child) { background:#ffffff; }
.col-rec { background:#fffdf5 !important; }
.carrier-table tr.section-row td {
  background:#1a2f4e;
  color:#e8b84b;
  font-weight:700;
  font-size:0.65rem;
  text-transform:uppercase;
  letter-spacing:1px;
  text-align:left;
  padding:7px 12px;
  border-right:none;
}
.badge-rec {
  display:inline-block;
  background:#c8982a;
  color:#fff;
  font-size:0.55rem;
  font-weight:700;
  padding:2px 6px;
  border-radius:10px;
  text-transform:uppercase;
  letter-spacing:.4px;
  margin-bottom:4px;
}
.carrier-name { font-size:0.82rem; font-weight:700; margin:2px 0; color:#fff; }
.carrier-type { font-size:0.6rem; opacity:.75; line-height:1.3; color:#fff; }
.rating-pill {
  display:inline-block;
  background:rgba(200,152,42,.12);
  border:1px solid rgba(200,152,42,.35);
  color:var(--gold);
  font-size:0.7rem;
  font-weight:700;
  padding:2px 7px;
  border-radius:3px;
}
.chk { color:#1a7a3a; font-size:0.85rem; font-weight:700; }
.no  { color:#c0392b; font-size:0.85rem; font-weight:700; }
.lim { color:#c8982a; font-size:0.82rem; font-weight:600; }
.assessment-excellent { color:#1a7a3a; font-weight:700; font-size:0.78rem; }
.assessment-moderate  { color:#c8982a; font-weight:700; font-size:0.78rem; }
.assessment-weak      { color:#c0392b; font-weight:700; font-size:0.78rem; }
.update-text { font-size:0.68rem; color:#555; line-height:1.45; text-align:left; }