:root {
    --navy: #132c4b;
    --blue: #2463eb;
    --teal: #4ec7b0;
    --ink: #1c2b3d;
    --muted: #68778a;
    --line: #e1e8f0;
    --pale: #f3f7fc
}

* {
    box-sizing: border-box
}

html {
    scroll-behavior: smooth
}

body {
    margin: 0;
    color: var(--ink);
    font-family: Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;
    background: #fff
}

.site-header {
    background: #fff;
    border-bottom: 1px solid #edf1f6;
    position: relative;
    z-index: 2
}

.navbar {
    min-height: 82px
}

.navbar-brand {
    font-weight: 800;
    letter-spacing: -.04em;
    color: var(--navy);
    display: flex;
    align-items: center;
    gap: 10px
}

.brand-mark {
    display: inline-grid;
    place-items: center;
    width: 36px;
    height: 36px;
    border-radius: 12px;
    background: var(--blue);
    color: #fff;
    font-size: 20px
}

.nav-link {
    font-weight: 600;
    color: #526174 !important
}

.btn {
    border-radius: 12px;
    font-weight: 700;
    padding: 12px 20px
}

.btn-primary {
    background: var(--blue);
    border-color: var(--blue);
    box-shadow: 0 8px 18px #2463eb22
}

.btn-primary:hover {
    background: #194fc8;
    border-color: #194fc8
}

.btn-outline-primary {
    border-color: #d7e2f3;
    color: var(--blue)
}

.hero {
    overflow: hidden;
    background: linear-gradient(115deg, #f3f7ff 0%, #f8fbff 52%, #e8f6f4 100%);
    padding: 76px 0 88px
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 48px;
    align-items: center
}

.hero-copy {
    max-width: 620px
}

.eyebrow {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .17em;
    color: var(--blue)
}

h1 {
    font-size: clamp(2.6rem, 5vw, 4.5rem);
    line-height: 1.05;
    letter-spacing: -.055em;
    font-weight: 800;
    color: var(--navy);
    margin: 20px 0
}

.hero-copy>p {
    font-size: 18px;
    line-height: 1.7;
    color: #596b80;
    max-width: 550px;
    margin-bottom: 26px
}

.small-note {
    font-size: 12px !important;
    margin-top: 18px !important;
    color: #7b8796 !important
}

.hero-art {
    height: 360px;
    position: relative;
    display: grid;
    place-items: center
}

.sun {
    position: absolute;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: #d6f3eb;
    right: 6%;
    top: 3%
}

.art-card {
    position: relative;
    width: min(360px, 90%);
    padding: 28px;
    background: #fff;
    border: 1px solid #fff;
    border-radius: 24px;
    box-shadow: 0 25px 70px #1b3e6420;
    transform: rotate(-3deg);
    z-index: 1
}

.art-label {
    font-size: 10px;
    letter-spacing: .14em;
    font-weight: 800;
    color: #8290a1
}

.art-bars {
    height: 110px;
    display: flex;
    align-items: end;
    gap: 12px;
    padding: 15px 4px 8px;
    border-bottom: 1px solid #e9eef4
}

.art-bars i {
    display: block;
    flex: 1;
    border-radius: 7px 7px 2px 2px;
    background: #b8e9de
}

.art-bars i:nth-child(1) {
    height: 30%
}

.art-bars i:nth-child(2) {
    height: 44%
}

.art-bars i:nth-child(3) {
    height: 39%
}

.art-bars i:nth-child(4) {
    height: 64%
}

.art-bars i:nth-child(5) {
    height: 78%;
    background: #67cbb6
}

.art-bars i:nth-child(6) {
    height: 92%;
    background: var(--blue)
}

.art-line {
    height: 1px;
    background: #edf1f6;
    margin-top: 18px
}

.art-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 15px;
    font-size: 13px;
    font-weight: 700;
    color: var(--navy)
}

.art-check {
    display: grid;
    place-items: center;
    width: 27px;
    height: 27px;
    background: #e0f8ef;
    color: #11876d;
    border-radius: 50%
}

.art-orb {
    position: absolute;
    border-radius: 50%;
    z-index: 0
}

.orb-one {
    width: 40px;
    height: 40px;
    background: #f6c875;
    left: 4%;
    top: 18%
}

.orb-two {
    width: 19px;
    height: 19px;
    background: #7195f8;
    right: 3%;
    bottom: 14%
}

.form-section {
    padding: 72px 0;
    background: #fff
}

.form-shell {
    max-width: 850px;
    margin: auto;
    border: 1px solid var(--line);
    border-radius: 24px;
    box-shadow: 0 22px 70px #132c4b0d;
    overflow: hidden
}

.form-intro {
    padding: 34px 42px 26px;
    background: #fbfcff;
    border-bottom: 1px solid var(--line)
}

h2 {
    font-size: clamp(1.8rem, 3vw, 2.4rem);
    font-weight: 800;
    letter-spacing: -.04em;
    color: var(--navy);
    margin: 10px 0
}

.form-intro p,
.step-help {
    color: var(--muted);
    margin-bottom: 0
}

.progress-wrap {
    margin-top: 25px
}

.progress {
    height: 6px;
    border-radius: 20px;
    background: #e7edf5
}

.progress-bar {
    background: linear-gradient(90deg, var(--blue), var(--teal));
    border-radius: 20px;
    transition: width .25s
}

.progress-caption {
    display: flex;
    justify-content: space-between;
    color: #748296;
    font-size: 12px;
    font-weight: 700;
    margin-top: 9px
}

#annuityForm {
    padding: 35px 42px 24px
}

.form-step {
    display: none;
    animation: rise .22s ease
}

.form-step.active {
    display: block
}

@keyframes rise {
    from {
        opacity: .2;
        transform: translateY(6px)
    }

    to {
        opacity: 1;
        transform: translateY(0)
    }
}

.step-kicker {
    font-size: 11px;
    letter-spacing: .14em;
    font-weight: 800;
    color: var(--blue);
    margin-bottom: 13px
}

.form-step h3 {
    font-size: clamp(1.45rem, 3vw, 2rem);
    font-weight: 800;
    letter-spacing: -.035em;
    color: var(--navy);
    margin-bottom: 8px
}

.step-help {
    margin-bottom: 25px
}

.form-label,
legend {
    font-weight: 700;
    font-size: 14px;
    color: #33465d
}

.form-control,
.form-select {
    min-height: 52px;
    border: 1px solid #dce4ee;
    border-radius: 11px;
    padding: 12px 14px;
    color: var(--ink)
}

.form-control:focus,
.form-select:focus {
    border-color: #7da1ff;
    box-shadow: 0 0 0 .22rem #2463eb17
}

.choice-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px
}

.choice-list {
    display: grid;
    gap: 10px
}

.choice {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 15px 16px;
    border: 1px solid #dfe7f0;
    border-radius: 12px;
    cursor: pointer;
    transition: border-color .15s, background .15s;
    min-height: 54px
}

.choice:hover {
    border-color: #a7bdf8;
    background: #fafcff
}

.choice.selected,
.choice:has(input:checked) {
    border-color: var(--blue);
    background: #f2f6ff
}

.choice input {
    accent-color: var(--blue);
    width: 17px;
    height: 17px;
    flex: 0 0 auto
}

.choice span {
    font-size: 14px;
    font-weight: 600;
    color: #34475d
}

.form-controls {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    border-top: 1px solid #edf1f6;
    padding-top: 22px;
    margin-top: 30px
}

.form-controls .btn {
    min-width: 125px
}

.form-controls #prevBtn:disabled {
    opacity: .45
}

.form-legal {
    font-size: 11px;
    line-height: 1.6;
    color: #7b8795;
    margin: 20px 0 0
}

.review-summary {
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 6px 16px;
    margin-bottom: 22px
}

.review-row {
    display: flex;
    justify-content: space-between;
    gap: 18px;
    padding: 12px 0;
    border-bottom: 1px solid #edf1f6;
    font-size: 13px
}

.review-row:last-child {
    border: 0
}

.review-row span {
    color: var(--muted)
}

.review-row strong {
    text-align: right;
    max-width: 58%;
    overflow-wrap: anywhere
}

.consent-box {
    background: #f7f9fc;
    border-radius: 12px;
    padding: 16px
}

.consent-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 13px;
    font-weight: 600;
    line-height: 1.5
}

.consent-label input {
    margin-top: 4px;
    accent-color: var(--blue);
    flex: 0 0 auto
}

.consent-box p {
    font-size: 11px;
    line-height: 1.6;
    color: #718096;
    margin: 12px 0 0
}

.final-note {
    display: flex;
    flex-direction: column;
    gap: 6px;
    padding: 18px;
    border-radius: 13px;
    background: #f0faf7;
    border: 1px solid #d5f1e8;
    margin: 25px 0
}

.final-note strong {
    color: #176b5a
}

.final-note span {
    font-size: 13px;
    color: #55746c
}

.trust-section {
    background: #f6f9fc;
    padding: 30px 0
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px
}

.trust-grid>div {
    display: flex;
    flex-direction: column;
    gap: 5px
}

.trust-grid strong {
    font-size: 14px;
    color: var(--navy)
}

.trust-grid span {
    font-size: 12px;
    color: var(--muted)
}

.site-footer {
    border-top: 1px solid var(--line);
    padding: 24px 0;
    color: #7b8795;
    font-size: 12px
}

.footer-inner {
    display: flex;
    justify-content: space-between;
    gap: 20px
}

.footer-inner div {
    display: flex;
    gap: 18px
}

.footer-inner a {
    color: #66758a;
    text-decoration: none
}

.content-page {
    padding: 70px 0;
    min-height: 60vh
}

.content-page h1 {
    font-size: clamp(2rem, 4vw, 3rem)
}

.content-page p,
.content-page li {
    line-height: 1.8;
    color: #5c6c80
}

.content-card {
    max-width: 850px;
    margin: auto;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: clamp(24px, 5vw, 48px)
}

.form-error {
    margin-top: 18px
}

@media(max-width:767px) {
    .hero {
        padding: 48px 0 55px
    }

    .hero-grid {
        grid-template-columns: 1fr;
        gap: 20px
    }

    .hero-art {
        height: 260px
    }

    .sun {
        width: 220px;
        height: 220px
    }

    .art-card {
        max-width: 310px;
        padding: 22px
    }

    .form-section {
        padding: 40px 0
    }

    .form-shell {
        border-radius: 18px
    }

    .form-intro {
        padding: 26px 22px 20px
    }

    #annuityForm {
        padding: 26px 22px 20px
    }

    .choice-grid {
        grid-template-columns: 1fr
    }

    .trust-grid {
        grid-template-columns: 1fr;
        gap: 17px
    }

    .footer-inner {
        flex-direction: column
    }

    .review-row {
        flex-direction: column;
        gap: 4px
    }

    .review-row strong {
        text-align: left;
        max-width: 100%
    }
}

/* Informational annuity content on the homepage */
.info-section {
    padding: 76px 0;
    background: #fff
}

.info-heading {
    max-width: 760px;
    margin: 0 auto 32px;
    text-align: center
}

.info-heading h2,
.consider-grid h2 {
    font-size: clamp(1.9rem, 3.5vw, 2.7rem);
    font-weight: 800;
    letter-spacing: -.04em;
    color: var(--navy);
    margin: 12px 0
}

.info-heading>p,
.consider-grid>div>p {
    color: var(--muted);
    line-height: 1.8
}

.info-cards {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px
}

.info-card {
    padding: 26px;
    border: 1px solid var(--line);
    border-radius: 18px;
    background: #fff;
    box-shadow: 0 12px 34px #132c4b08
}

.info-number {
    display: grid;
    place-items: center;
    width: 38px;
    height: 38px;
    border-radius: 12px;
    background: #edf3ff;
    color: var(--blue);
    font-size: 12px;
    font-weight: 800
}

.info-card h3 {
    font-size: 19px;
    font-weight: 800;
    color: var(--navy);
    margin: 20px 0 10px
}

.info-card p {
    font-size: 14px;
    line-height: 1.8;
    color: var(--muted);
    margin: 0
}

.consider-section {
    padding: 70px 0;
    background: #f4f8fc
}

.consider-grid {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 50px;
    align-items: start
}

.consider-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 12px
}

.consider-list li {
    position: relative;
    padding: 15px 18px 15px 44px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    color: #40536a;
    line-height: 1.6;
    font-size: 14px
}

.consider-list li:before {
    content: "✓";
    position: absolute;
    left: 17px;
    top: 15px;
    color: #16856e;
    font-weight: 800
}

.faq-section {
    padding: 76px 0;
    background: #fff
}

.faq-container {
    max-width: 900px
}

.faq-section .info-heading {
    margin-bottom: 24px
}

.faq-item {
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 18px 20px;
    margin: 12px 0;
    background: #fff
}

.faq-item summary {
    cursor: pointer;
    font-weight: 750;
    color: var(--navy);
    line-height: 1.5
}

.faq-item p {
    color: var(--muted);
    line-height: 1.75;
    font-size: 14px;
    margin: 13px 0 0
}

@media(max-width:767px) {

    .info-section,
    .faq-section {
        padding: 48px 0
    }

    .info-cards {
        grid-template-columns: 1fr
    }

    .consider-section {
        padding: 48px 0
    }

    .consider-grid {
        grid-template-columns: 1fr;
        gap: 20px
    }
}