/* ============================================================
   The Annuity Audit — Learn Cluster Stylesheet
   Shared across hub page + all articles
   ============================================================ */

:root {
  --navy: #0B2545;
  --navy-2: #13315C;
  --gold: #C9A961;
  --gold-dark: #A88C4B;
  --cream: #FBF9F6;
  --cream-2: #F5F1EA;
  --ink: #1A1A1A;
  --slate: #4A5568;
  --slate-2: #718096;
  --border: #E5E1DA;
  --white: #FFFFFF;
  --success: #2F855A;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  font-size: 17px;
}
h1, h2, h3, h4, h5 {
  font-family: 'Fraunces', Georgia, 'Times New Roman', serif;
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2rem, 4.5vw, 3rem); margin-bottom: 20px; }
h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin: 44px 0 18px; }
h3 { font-size: clamp(1.25rem, 2vw, 1.4rem); margin: 32px 0 14px; }
h4 { font-size: 1.1rem; margin: 24px 0 10px; }
p { margin-bottom: 18px; }
a { color: var(--navy-2); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--gold-dark); }

.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.container-narrow { max-width: 760px; margin: 0 auto; padding: 0 24px; }

/* ============================================================
   NAV
   ============================================================ */
.nav {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 16px 0;
  position: sticky; top: 0; z-index: 100;
  backdrop-filter: blur(8px);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600; font-size: 1.35rem;
  color: var(--navy); text-decoration: none;
  display: flex; align-items: center; gap: 10px;
}
.brand-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 8px;
  background: var(--navy); color: var(--gold);
  font-weight: 700; font-family: 'Inter', sans-serif; font-size: 1rem;
}
.nav-links { display: none; gap: 24px; align-items: center; }
@media (min-width: 900px) { .nav-links { display: flex; } }
.nav-links a {
  color: var(--navy); text-decoration: none; font-weight: 500; font-size: 0.95rem;
}
.nav-links a:hover { color: var(--gold-dark); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-phone { color: var(--navy); font-weight: 600; text-decoration: none; font-size: 0.95rem; display: none; }
@media (min-width: 700px) { .nav-phone { display: inline; } }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-block;
  padding: 12px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.98rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
  font-family: 'Inter', sans-serif;
}
.btn-primary { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-dark); border-color: var(--gold-dark); transform: translateY(-1px); }
.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-navy:hover { background: var(--navy-2); border-color: var(--navy-2); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-lg { padding: 16px 32px; font-size: 1.02rem; }

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  padding: 20px 0 0;
  color: var(--slate);
  font-size: 0.88rem;
}
.breadcrumb a { color: var(--slate); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); text-decoration: underline; }
.breadcrumb .sep { margin: 0 8px; color: var(--slate-2); }
.breadcrumb .current { color: var(--navy); font-weight: 500; }

/* ============================================================
   HUB / LEARN INDEX
   ============================================================ */
.hub-hero {
  background: linear-gradient(135deg, rgba(11,37,69,0.03), rgba(201,169,97,0.06)), var(--cream);
  padding: 60px 0 50px;
  border-bottom: 1px solid var(--border);
  text-align: center;
}
.hub-eyebrow {
  display: inline-block;
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.hub-hero h1 { margin-bottom: 18px; }
.hub-hero .lead {
  color: var(--slate);
  font-size: 1.15rem;
  max-width: 640px;
  margin: 0 auto 24px;
}
.hub-hero .actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

.hub-section { padding: 56px 0; }
.hub-section-head {
  margin-bottom: 32px;
  text-align: center;
}
.hub-section-head h2 { margin-bottom: 10px; }
.hub-section-head p { color: var(--slate); font-size: 1rem; max-width: 560px; margin: 0 auto; }

.article-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}
@media (min-width: 700px) { .article-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .article-grid { grid-template-columns: repeat(3, 1fr); } }

.article-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 26px 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  text-decoration: none;
  transition: all 0.2s ease;
  color: inherit;
}
.article-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 20px 40px -20px rgba(11,37,69,0.2);
  border-color: var(--gold);
  color: inherit;
}
.article-card .cat-badge {
  display: inline-block;
  background: var(--cream-2);
  color: var(--gold-dark);
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 0.7rem;
  letter-spacing: 0.08em;
  padding: 4px 10px;
  border-radius: 4px;
  text-transform: uppercase;
  align-self: flex-start;
}
.article-card h3 {
  color: var(--navy);
  font-size: 1.2rem;
  margin: 4px 0 0;
  line-height: 1.35;
}
.article-card p {
  color: var(--slate);
  font-size: 0.95rem;
  margin: 0;
  flex: 1;
}
.article-card .read-more {
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.9rem;
  margin-top: 8px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.hub-cta {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 56px 24px;
  border-radius: 14px;
  margin: 40px 0;
}
.hub-cta h2 { color: var(--white); margin-bottom: 14px; }
.hub-cta p { color: rgba(255,255,255,0.85); font-size: 1.08rem; max-width: 560px; margin: 0 auto 24px; }

/* ============================================================
   ARTICLE PAGE
   ============================================================ */
.article-header {
  padding: 40px 0 20px;
}
.article-header .article-eyebrow {
  display: inline-block;
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 12px;
  background: var(--cream-2);
  padding: 5px 12px;
  border-radius: 4px;
}
.article-header h1 {
  margin-bottom: 18px;
  max-width: 780px;
}
.article-header .article-lead {
  color: var(--slate);
  font-size: 1.15rem;
  max-width: 720px;
  line-height: 1.55;
  margin-bottom: 20px;
}
.article-meta {
  display: flex;
  gap: 20px;
  color: var(--slate-2);
  font-size: 0.88rem;
  padding-top: 14px;
  border-top: 1px solid var(--border);
  margin-top: 14px;
  flex-wrap: wrap;
}
.article-meta span::before { content: "•"; margin-right: 8px; color: var(--gold); }
.article-meta span:first-child::before { display: none; }

.article-body {
  padding: 20px 0 40px;
}
.article-body h2 {
  border-left: 4px solid var(--gold);
  padding-left: 16px;
  margin-left: -20px;
}
.article-body p, .article-body li {
  color: var(--ink);
  font-size: 1.05rem;
  line-height: 1.7;
}
.article-body ul, .article-body ol {
  margin: 0 0 20px 20px;
  padding-left: 8px;
}
.article-body li { margin-bottom: 8px; }
.article-body strong { color: var(--navy); }
.article-body em { color: var(--navy-2); }

.article-body blockquote {
  border-left: 4px solid var(--gold);
  background: var(--cream-2);
  padding: 22px 26px;
  margin: 28px 0;
  font-family: 'Fraunces', serif;
  font-size: 1.15rem;
  color: var(--navy);
  font-style: italic;
  border-radius: 0 6px 6px 0;
}
.article-body blockquote p:last-child { margin-bottom: 0; }

.article-body .callout {
  background: var(--white);
  border: 1px solid var(--gold);
  border-left: 5px solid var(--gold);
  border-radius: 6px;
  padding: 22px 26px;
  margin: 28px 0;
}
.article-body .callout h4 {
  color: var(--navy);
  margin: 0 0 8px;
  font-family: 'Fraunces', serif;
  font-size: 1.1rem;
}
.article-body .callout p:last-child { margin-bottom: 0; }

.article-body .callout-navy {
  background: var(--navy);
  color: var(--white);
  border: none;
  padding: 30px;
  text-align: center;
  border-radius: 10px;
}
.article-body .callout-navy h3 { color: var(--white); margin-top: 0; }
.article-body .callout-navy p { color: rgba(255,255,255,0.9); }
.article-body .callout-navy .btn-primary { margin-top: 12px; }

.article-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  font-size: 0.98rem;
}
.article-body th {
  background: var(--navy);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-family: 'Fraunces', serif;
  font-weight: 600;
}
.article-body td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--ink);
}
.article-body tr:nth-child(even) td { background: var(--cream-2); }

/* Article FAQ */
.article-faq {
  padding: 40px 0 20px;
}
.article-faq h2 { margin-bottom: 24px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  margin-bottom: 10px;
  overflow: hidden;
}
.faq-item summary {
  padding: 18px 22px;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
  font-size: 1rem;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-family: 'Fraunces', serif;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; color: var(--gold-dark);
  font-size: 1.5rem; font-weight: 400; flex-shrink: 0;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item .faq-body {
  padding: 0 22px 20px;
  color: var(--slate);
  font-size: 0.98rem;
}

/* Related articles */
.related {
  background: var(--cream-2);
  padding: 56px 0;
  border-top: 1px solid var(--border);
}
.related h2 { text-align: center; margin-bottom: 32px; }
.related-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
@media (min-width: 700px) { .related-grid { grid-template-columns: repeat(3, 1fr); } }
.related-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 20px;
  text-decoration: none;
  color: var(--navy);
  transition: all 0.2s ease;
  display: block;
}
.related-card:hover {
  transform: translateY(-2px);
  border-color: var(--gold);
  box-shadow: 0 15px 30px -15px rgba(11,37,69,0.15);
  color: var(--navy);
}
.related-card h4 {
  color: var(--navy);
  font-family: 'Fraunces', serif;
  font-size: 1rem;
  line-height: 1.35;
  margin: 6px 0;
}
.related-card span {
  color: var(--gold-dark);
  font-size: 0.85rem;
  font-weight: 600;
}

/* CTA band inside article */
.mid-cta {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: var(--white);
  padding: 32px 30px;
  border-radius: 12px;
  margin: 36px 0;
  text-align: center;
}
.mid-cta h3 { color: var(--white); margin: 0 0 10px; }
.mid-cta p { color: rgba(255,255,255,0.88); margin: 0 auto 18px; max-width: 480px; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.8);
  padding: 48px 0 32px;
  font-size: 0.9rem;
  margin-top: 0;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  margin-bottom: 32px;
}
@media (min-width: 700px) { .footer-inner { grid-template-columns: 1.4fr 1fr 1fr; } }
.footer h5 {
  color: var(--gold);
  font-family: 'Fraunces', serif;
  font-weight: 600;
  margin-bottom: 14px;
  font-size: 1rem;
}
.footer a {
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  display: block;
  padding: 4px 0;
}
.footer a:hover { color: var(--gold); }
.footer p { margin-bottom: 12px; }
.footer-brand-line {
  font-family: 'Fraunces', serif;
  font-size: 1.15rem;
  color: var(--white);
  margin-bottom: 10px;
}
.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 24px;
  text-align: center;
  color: rgba(255,255,255,0.55);
  font-size: 0.82rem;
  line-height: 1.7;
}

/* --- Header refinements added 2026-08-03 --- */
.brand { white-space: nowrap; flex-shrink: 0; }
.brand-logo { width: 64px; height: 64px; object-fit: contain; flex-shrink: 0; }
.brand-name { white-space: nowrap; }
.nav-phone { white-space: nowrap; }
.nav-dropdown { position: relative; }
.nav-dropdown-trigger {
  color: var(--navy); text-decoration: none; font-weight: 500; font-size: 0.95rem;
  cursor: pointer; user-select: none; display: inline-flex; align-items: center; gap: 4px;
  padding: 4px 0;
}
.nav-dropdown-trigger:hover, .nav-dropdown:hover .nav-dropdown-trigger { color: var(--gold-dark); }
.nav-dropdown-menu {
  display: none; position: absolute; top: 100%; left: -12px;
  background: var(--white); border: 1px solid var(--border); border-radius: 8px;
  padding: 8px 0; min-width: 180px; margin-top: 8px;
  box-shadow: 0 14px 28px -10px rgba(11,37,69,0.22); z-index: 200;
}
.nav-dropdown:hover .nav-dropdown-menu, .nav-dropdown:focus-within .nav-dropdown-menu, .nav-dropdown.open .nav-dropdown-menu { display: block; }
.nav-dropdown-menu a {
  display: block; padding: 10px 18px; color: var(--navy);
  text-decoration: none; font-size: 0.95rem; font-weight: 500;
}
.nav-dropdown-menu a:hover { background: var(--cream-2); color: var(--gold-dark); }