/* The Annuity Audit: shared new-look styles (header, menu, footer, page basics).
   White background, deep navy ink, one bright yellow. Built for readers 55 to 80:
   big text, dark colors, nothing important under 16px. */
:root{
  --ink:#071427; --navy:#0B2545; --panel:#1E3A66; --signal:#FFB81C; --gold-text:#8A5A00;
  --cool:#EEF1F6; --body:#2B3850; --muted:#4A5872; --line:#D5DCE6;
  --head:'Archivo','Arial',sans-serif; --sans:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  --max:1200px;
}
.site-help,.site-nav,.site-footer{font-family:var(--sans);-webkit-font-smoothing:antialiased}
.site-wrap{width:min(100% - clamp(32px,10vw,160px),var(--max));margin-inline:auto}

/* phone strip */
.site-help{background:var(--ink);color:#fff;font-size:19px;line-height:1.4}
.site-help .site-wrap{display:flex;justify-content:center;gap:6px 16px;flex-wrap:wrap;padding:12px 0;text-align:center}
.site-help a{color:#fff;font-weight:700;text-decoration:none;border-bottom:2px solid var(--signal)}
.site-help span{color:#C9D1E0}

/* header */
.site-nav{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:50}
.site-nav .site-wrap{display:flex;align-items:center;justify-content:space-between;height:96px;gap:16px}
.site-brand{display:flex;align-items:center;gap:14px;font-family:var(--head);font-weight:800;font-size:28px;color:var(--ink);text-decoration:none;letter-spacing:-.015em;white-space:nowrap}
.site-brand img{width:62px;height:62px;object-fit:contain}
.site-links{display:flex;align-items:center;gap:32px;font-size:20px;font-weight:600}
.site-links > a{color:var(--ink);text-decoration:none}
.site-links > a:hover{text-decoration:underline;text-decoration-color:var(--signal);text-decoration-thickness:3px;text-underline-offset:5px}
.site-menu-btn{display:inline-flex;align-items:center;gap:10px;font:700 20px var(--sans);color:var(--ink);background:#fff;border:2px solid var(--ink);border-radius:10px;padding:10px 16px;cursor:pointer}
.site-menu-btn .bars{display:grid;gap:4px}
.site-menu-btn .bars i{display:block;width:22px;height:3px;border-radius:2px;background:var(--ink)}
.site-menu-btn[aria-expanded="true"]{background:var(--ink);color:#fff}
.site-menu-btn[aria-expanded="true"] .bars i{background:var(--signal)}
.site-menu-btn:focus-visible,.site-links a:focus-visible,.site-dropdown a:focus-visible{outline:3px solid var(--navy);outline-offset:3px}
.site-dropdown{position:absolute;right:max(16px,calc((100% - var(--max))/2));top:100%;margin-top:6px;width:min(360px,calc(100% - 32px));background:#fff;border:2px solid var(--ink);border-radius:14px;box-shadow:0 20px 44px rgba(7,20,39,.22);padding:10px;display:grid;gap:2px}
.site-dropdown[hidden]{display:none}
.site-dropdown a{display:block;padding:13px 14px;border-radius:8px;font-size:20px;font-weight:600;color:var(--ink);text-decoration:none}
.site-dropdown a:hover{background:#FFF4D6}
.site-dropdown .grp{font-size:15px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-text);padding:12px 14px 4px}
.site-dropdown .only-phone{display:none}
.site-dropdown .cta{margin-top:8px;background:var(--signal);text-align:center;font-weight:800;box-shadow:inset 0 0 0 2px var(--ink)}
.site-dropdown .cta:hover{background:#FFC94D}
@media (max-width:900px){
  .site-nav .site-wrap{height:80px}
  .site-brand{font-size:23px;gap:10px}.site-brand img{width:48px;height:48px}
  .site-links > a{display:none}
  .site-dropdown .only-phone{display:block}
  .site-help{font-size:18px}
}
@media (max-width:400px){.site-brand{font-size:20px}.site-menu-btn{padding:10px 12px}}

/* footer: the original Annuity Audit footer, with the "As seen on" badge on the right */
.site-footer{background:var(--navy);color:rgba(255,255,255,.85);padding:56px 0 32px}
.site-footer h5{color:#E0BC6A;font-family:'Fraunces',Georgia,serif;font-size:1.1rem;font-weight:600;margin:0 0 16px;letter-spacing:.02em}
.site-footer a{color:rgba(255,255,255,.85);text-decoration:none;display:block;padding:4px 0;font-size:1.02rem}
.site-footer a:hover{color:#E0BC6A}
.site-footer p{margin:0;font-size:1.02rem;line-height:1.6}
.footer-inner{display:grid;grid-template-columns:1fr;gap:40px}
@media (min-width:800px){.footer-inner{grid-template-columns:2fr 1fr 1fr 1.2fr}}
.footer-brand-line{font-family:'Fraunces',Georgia,serif;color:#fff;font-size:1.4rem;margin-bottom:12px}
.footer-badge{display:flex;justify-content:flex-start;align-items:flex-start}
@media (min-width:800px){.footer-badge{justify-content:flex-end}}
.footer-badge img{display:block;width:100%;max-width:240px;height:auto;filter:invert(1) brightness(1.6) hue-rotate(180deg);opacity:.9}
.footer-legal{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,.14);font-size:.92rem;color:rgba(255,255,255,.72);line-height:1.6}