/* ============================================================
   ANNUITY SALES CENTER — Design System
   Palette derived from the brand logo: deep navy, patriotic red,
   warm off-white. Display: Archivo. Body: Inter.
   ============================================================ */

:root {
  /* Brand */
  --navy:        #0B2545;   /* primary deep navy */
  --navy-700:    #102f55;   /* mid navy for panels */
  --navy-600:    #1d4174;   /* hover / accents */
  --red:         #C4122F;   /* patriotic red */
  --red-700:     #a20f28;   /* red hover */
  --cream:       #F7F6F2;   /* page background */
  --paper:       #FFFFFF;   /* cards */
  --line:        #E4E1D8;   /* hairlines */
  --line-2:      #d7d3c7;

  /* Text */
  --ink:         #0B2545;
  --ink-soft:    #3a4a63;
  --muted:       #61708a;
  --on-navy:     #eaf0f8;
  --on-navy-dim: #9fb2cd;

  /* Type */
  --display: "Archivo", system-ui, sans-serif;
  --body: "Inter", system-ui, sans-serif;

  /* Geometry */
  --r-sm: 8px;
  --r:    14px;
  --r-lg: 22px;
  --maxw: 1180px;
  --gutter: clamp(20px, 5vw, 56px);
  --shadow: 0 1px 2px rgba(11,37,69,.05), 0 10px 30px rgba(11,37,69,.07);
  --shadow-lg: 0 24px 60px rgba(11,37,69,.14);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration:.001ms !important; transition-duration:.001ms !important; }
}

body {
  margin: 0;
  font-family: var(--body);
  color: var(--ink-soft);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img { max-width: 100%; display: block; }
a { color: var(--red-700); text-decoration: none; }

/* ---------- Typography ---------- */
h1,h2,h3,h4 { font-family: var(--display); color: var(--ink); line-height: 1.08; margin: 0 0 .4em; letter-spacing: -.01em; }
h1 { font-weight: 800; font-size: clamp(2.1rem, 4.6vw, 3.7rem); }
h2 { font-weight: 800; font-size: clamp(1.7rem, 3.2vw, 2.5rem); }
h3 { font-weight: 700; font-size: clamp(1.18rem, 1.8vw, 1.45rem); }
h4 { font-weight: 700; font-size: 1.05rem; }
p  { margin: 0 0 1em; }
strong { color: var(--ink); font-weight: 600; }

.eyebrow {
  font-family: var(--display);
  font-weight: 700;
  font-size: .76rem;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--red);
  display: inline-flex;
  align-items: center;
  gap: .55em;
  margin-bottom: 1rem;
}
.eyebrow::before {
  content: "";
  width: 26px; height: 2px;
  background: var(--red);
  display: inline-block;
}
.lede { font-size: clamp(1.05rem, 1.5vw, 1.22rem); color: var(--ink-soft); }

/* ---------- Layout ---------- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding-inline: var(--gutter); }
.wrap-narrow { max-width: 860px; margin: 0 auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(56px, 8vw, 104px); }
.section--tight { padding-block: clamp(40px, 6vw, 72px); }
.section--navy { background: var(--navy); color: var(--on-navy); }
.section--navy h1,.section--navy h2,.section--navy h3,.section--navy h4 { color: #fff; }
.section--navy .lede { color: var(--on-navy-dim); }
/* cards keep their own dark type even inside navy sections */
.section--navy .card h2,
.section--navy .card h3,
.section--navy .card h4 { color: var(--ink); }
.section--navy .card .lede { color: var(--ink-soft); }
.section--navy .card p { color: var(--ink-soft); }
.section--paper { background: var(--paper); }
.center { text-align: center; }
.center .eyebrow { justify-content: center; }
.measure { max-width: 64ch; }
.center .measure { margin-inline: auto; }

.grid { display: grid; gap: clamp(18px, 2.4vw, 28px); }
.cols-2 { grid-template-columns: repeat(2, 1fr); }
.cols-3 { grid-template-columns: repeat(3, 1fr); }
.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px){ .cols-3,.cols-4 { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 640px){ .cols-2,.cols-3,.cols-4 { grid-template-columns: 1fr; } }

.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
@media (max-width: 860px){ .split { grid-template-columns: 1fr; gap: 36px; } }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5em;
  font-family: var(--display); font-weight: 700; font-size: .95rem;
  letter-spacing: .01em;
  padding: .85em 1.5em; border-radius: 999px;
  border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, background .2s ease, color .2s ease, border-color .2s ease, box-shadow .2s ease;
  line-height: 1; white-space: nowrap;
}
.btn svg { width: 1em; height: 1em; }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--red); color: #fff; box-shadow: 0 8px 20px rgba(196,18,47,.28); }
.btn-primary:hover { background: var(--red-700); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-600); color:#fff; }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--line-2); }
.btn-outline:hover { border-color: var(--navy); background: var(--navy); color:#fff; }
.btn-ghost-light { background: rgba(255,255,255,.08); color:#fff; border-color: rgba(255,255,255,.3); }
.btn-ghost-light:hover { background:#fff; color: var(--navy); border-color:#fff; }
.btn-row { display:flex; flex-wrap: wrap; gap: 14px; }
.center .btn-row { justify-content: center; }

/* ---------- Cards ---------- */
.card {
  background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--r); padding: clamp(22px, 2.4vw, 30px);
  box-shadow: var(--shadow); height: 100%;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.card--hover:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--line-2); }
.card h3 { margin-bottom: .35em; }
.card p:last-child { margin-bottom: 0; }

.icon-badge {
  width: 50px; height: 50px; border-radius: 12px;
  display: grid; place-items: center; margin-bottom: 16px;
  background: rgba(196,18,47,.08); color: var(--red);
  border: 1px solid rgba(196,18,47,.16);
}
.icon-badge svg { width: 24px; height: 24px; }
.icon-badge.navy { background: rgba(11,37,69,.06); color: var(--navy); border-color: rgba(11,37,69,.12); }

/* ---------- Case request picker tiles ---------- */
.case-tile {
  display:flex; flex-direction:column; align-items:flex-start;
  text-decoration:none; color: var(--ink);
}
.case-tile h3 { color: var(--navy); }
.case-tile p { color: var(--ink-soft); }
.case-tile-go {
  margin-top:auto; padding-top:18px; font-weight:700; color: var(--red);
  font-size:.92rem; letter-spacing:.01em;
  transition: transform .15s ease;
}
.case-tile:hover .case-tile-go { transform: translateX(4px); }
.case-tile:hover { border-color: var(--red); }
@media (max-width:900px){ .case-picker { grid-template-columns: 1fr !important; } }
.case-picker-note { text-align:center; margin-top:32px; color: var(--ink-soft); }
.case-picker-note a { color: var(--red); font-weight:600; }

/* numbered card */
.card .num {
  font-family: var(--display); font-weight: 800; font-size: 1.05rem;
  color: var(--red); display:block; margin-bottom: .4em;
  letter-spacing: .05em;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 76px; }
.brand { display:flex; align-items:center; gap: 12px; }
.brand img { height: 38px; width:auto; }
.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; margin:0; padding:0; }
.nav-links > li { position: relative; }
.nav-links > li > a, .nav-links > li > button {
  font-family: var(--display); font-weight: 600; font-size: .92rem;
  color: var(--navy); background: none; border: none; cursor: pointer;
  padding: 10px 14px; border-radius: 8px; display:inline-flex; align-items:center; gap:5px;
  transition: color .15s ease, background .15s ease;
}
.nav-links > li > a:hover, .nav-links > li > button:hover { color: var(--red); background: rgba(196,18,47,.05); }
.nav-links > li.active > a { color: var(--red); }
.nav-links .caret { width: 9px; height: 9px; transition: transform .2s ease; }
.has-drop[aria-expanded="true"] .caret { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 6px); left: 0; min-width: 230px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  box-shadow: var(--shadow-lg); padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  list-style: none; margin:0;
}
.nav-links > li:hover .dropdown,
.nav-links > li:focus-within .dropdown,
.has-drop[aria-expanded="true"] + .dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown a {
  display:block; padding: 10px 14px; border-radius: 8px;
  font-family: var(--body); font-weight: 500; font-size: .92rem; color: var(--ink-soft);
  transition: background .15s, color .15s;
}
.dropdown a:hover { background: var(--cream); color: var(--navy); }
.dropdown a .d-sub { display:block; font-size: .76rem; color: var(--muted); font-weight: 400; }

.nav-cta { display:flex; align-items:center; gap: 10px; }
.nav-toggle { display:none; background:none; border:1px solid var(--line); border-radius:8px; padding:9px; cursor:pointer; }
.nav-toggle svg { width:22px; height:22px; color: var(--navy); }

@media (max-width: 1080px){
  .nav-toggle { display:inline-flex; }
  .nav-links { display:none; }
  .nav-cta .btn { display:none; }
  .mobile-open .nav-links {
    display:flex; flex-direction: column; align-items: stretch;
    position: absolute; top: 76px; left:0; right:0;
    background:#fff; border-bottom:1px solid var(--line);
    padding: 12px var(--gutter) 24px; gap: 2px; box-shadow: var(--shadow-lg);
  }
  .mobile-open .nav-links > li > a,
  .mobile-open .nav-links > li > button { width:100%; justify-content: space-between; font-size:1rem; padding:14px 6px; }
  .mobile-open .dropdown {
    position: static; opacity:1; visibility:visible; transform:none; box-shadow:none;
    border:none; border-left: 2px solid var(--line); border-radius:0;
    margin: 0 0 8px 10px; padding: 0 0 0 8px; display:none;
  }
  .mobile-open .has-drop[aria-expanded="true"] + .dropdown { display:block; }
  .mobile-open .nav-cta .btn { display:inline-flex; width:100%; justify-content:center; margin-top:8px; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(120% 120% at 85% -10%, var(--navy-700) 0%, var(--navy) 55%);
  color: var(--on-navy);
}
.hero .wrap { position: relative; z-index: 2; }
.hero-grid { display:grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px,5vw,60px); align-items:center; padding-top: clamp(56px, 9vw, 110px); }
.hero .wrap { padding-bottom: clamp(56px, 9vw, 96px); }
@media (max-width: 900px){ .hero-grid { grid-template-columns: 1fr; } }
.hero h1 { color:#fff; max-width: 14ch; }
.hero .sub {
  font-family: var(--display); font-weight: 700; color: var(--red);
  font-size: clamp(1rem, 1.6vw, 1.18rem); letter-spacing: .04em;
  text-transform: uppercase; margin: 0 0 18px;
}
.hero p.lede { color: var(--on-navy-dim); max-width: 52ch; }
.hero .btn-row { margin-top: 28px; }
.hero-flag {
  position:absolute; inset:0; z-index:1; opacity:.5; pointer-events:none;
}
.hero-art { position: relative; }
.hero-logo-panel {
  background:#fff; border-radius: 20px; padding: clamp(26px, 4vw, 44px);
  box-shadow: 0 24px 60px -28px rgba(0,0,0,.55);
  display:flex; align-items:center; justify-content:center;
}
.hero-logo-panel img { width:100%; max-width: 420px; height:auto; display:block; }
@media (max-width: 900px){ .hero-logo-panel { max-width: 460px; margin-inline:auto; } }

/* thin rising arrow signature divider */
.trajectory { display:block; width:100%; height:auto; }

/* stat strip */
.stats {
  display:grid; grid-template-columns: repeat(4,1fr); gap: 16px;
  margin-top: clamp(28px, 4vw, 44px);
}
@media (max-width:760px){ .stats { grid-template-columns: repeat(2,1fr); } }
@media (max-width:420px){ .stats { grid-template-columns: 1fr; } }
.stat {
  background: rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.14); border-radius: 16px;
  padding: 24px 26px; min-height: 116px;
  display:flex; flex-direction:column; justify-content:center;
}
.stat .n { font-family: var(--display); font-weight: 800; font-size: clamp(1.6rem,2.4vw,2.1rem); color:#fff; line-height:1; }
.stat .n--word { font-size: clamp(1.15rem, 1.5vw, 1.4rem); line-height:1.15; letter-spacing:-.01em; }
.stat .l { font-size: .86rem; color: var(--on-navy-dim); letter-spacing:.02em; margin-top:8px; }

/* ---------- Page banner (interior pages) ---------- */
.page-banner { background: var(--navy); color:#fff; position:relative; overflow:hidden; }
.page-banner .wrap { position:relative; z-index:2; padding-block: clamp(48px, 7vw, 80px); }
.page-banner h1 { color:#fff; max-width: 18ch; }
.page-banner p { color: var(--on-navy-dim); max-width: 60ch; margin-bottom:0; }
.crumbs { font-family: var(--display); font-weight:600; font-size:.78rem; letter-spacing:.12em; text-transform:uppercase; color: var(--red); margin-bottom: 14px; }
.crumbs a { color: var(--on-navy-dim); }

/* ---------- Timeline / Process ---------- */
.timeline { position: relative; margin-top: 20px; }
.timeline::before {
  content:""; position:absolute; left: 27px; top: 8px; bottom: 8px; width:2px;
  background: linear-gradient(var(--red), var(--navy-600));
}
@media (max-width:640px){ .timeline::before { left: 21px; } }
.tl-step { position: relative; padding: 0 0 30px 78px; }
@media (max-width:640px){ .tl-step { padding-left: 60px; } }
.tl-step:last-child { padding-bottom: 0; }
.tl-node {
  position:absolute; left:0; top:0; width:56px; height:56px; border-radius:50%;
  background:#fff; border:2px solid var(--red); color: var(--navy);
  display:grid; place-items:center; font-family:var(--display); font-weight:800; font-size:1.15rem;
  box-shadow: var(--shadow); z-index:2;
}
@media (max-width:640px){ .tl-node { width:44px; height:44px; font-size:1rem; } }
.tl-step h3 { margin-bottom:.25em; }
.tl-step p:last-child { margin-bottom:0; }

/* ---------- Comparison tables ---------- */
.table-wrap { overflow-x:auto; border:1px solid var(--line); border-radius: var(--r); box-shadow: var(--shadow); background:#fff; }
table.compare { width:100%; border-collapse: collapse; min-width: 560px; }
table.compare caption { caption-side: top; text-align:left; padding: 16px 20px 0; font-size:.82rem; color: var(--muted); }
table.compare th, table.compare td { padding: 14px 18px; text-align:left; vertical-align: top; border-bottom:1px solid var(--line); font-size:.94rem; }
table.compare thead th { font-family: var(--display); font-size:.82rem; letter-spacing:.06em; text-transform:uppercase; color:#fff; background: var(--navy); }
table.compare thead th:first-child { background: var(--navy-700); }
table.compare tbody th { font-weight:600; color: var(--ink); background: var(--cream); width: 26%; }
table.compare td.hl { background: rgba(196,18,47,.04); }
table.compare tbody tr:last-child th, table.compare tbody tr:last-child td { border-bottom:none; }

/* ---------- Callouts ---------- */
.callout {
  border-left: 4px solid var(--red); background: #fff; border:1px solid var(--line);
  border-left-width:4px; border-radius: var(--r-sm); padding: 20px 22px; box-shadow: var(--shadow);
}
.callout.navy { border-left-color: var(--navy); }
.callout h4 { margin-bottom:.3em; }
.callout p:last-child { margin-bottom:0; }
.callout .tag { font-family:var(--display); font-weight:700; font-size:.72rem; letter-spacing:.12em; text-transform:uppercase; color: var(--red); }

.disclaimer-box {
  font-size:.82rem; color: var(--muted); background: var(--cream);
  border:1px dashed var(--line-2); border-radius: var(--r-sm); padding: 16px 18px; line-height:1.6;
}

/* ---------- Flow diagram (SVG-driven, styled wrapper) ---------- */
.flow {
  display:flex; flex-wrap:wrap; align-items:stretch; gap:10px; justify-content:center;
}
.flow .node {
  flex: 1 1 150px; min-width: 130px; max-width: 220px;
  background:#fff; border:1px solid var(--line); border-top:3px solid var(--red);
  border-radius: var(--r-sm); padding: 16px; text-align:center; box-shadow: var(--shadow);
}
.flow .node .k { font-family:var(--display); font-weight:700; color:var(--navy); font-size:.95rem; margin-bottom:4px; display:block; }
.flow .node .v { font-size:.82rem; color: var(--muted); }
.flow .arrow { display:grid; place-items:center; color: var(--red); flex: 0 0 auto; }
.flow .arrow svg { width: 26px; height:26px; }
@media (max-width:760px){
  .flow { flex-direction: column; align-items: stretch; }
  .flow .node { max-width:none; }
  .flow .arrow { transform: rotate(90deg); padding: 2px 0; }
}

/* example boxes for FIA math */
.examples { display:grid; gap:16px; grid-template-columns: repeat(3,1fr); }
@media (max-width:820px){ .examples { grid-template-columns:1fr; } }
.ex { background:#fff; border:1px solid var(--line); border-radius: var(--r); padding:22px; box-shadow:var(--shadow); }
.ex .ex-tag { font-family:var(--display); font-weight:800; color:var(--navy); font-size:.85rem; letter-spacing:.06em; text-transform:uppercase; }
.ex .ex-line { display:flex; justify-content:space-between; gap:12px; padding:9px 0; border-bottom:1px dashed var(--line); font-size:.92rem; }
.ex .ex-line:last-of-type { border-bottom:none; }
.ex .ex-line b { font-family:var(--display); color:var(--red); }

/* feature list with check marks */
.checklist { list-style:none; margin:0; padding:0; display:grid; gap:12px; }
.checklist li { display:flex; gap:12px; align-items:flex-start; }
.checklist li svg { flex:0 0 auto; width:22px; height:22px; color: var(--red); margin-top:2px; }
.checklist li span { color: var(--ink-soft); }

/* pill tags */
.pills { display:flex; flex-wrap:wrap; gap:8px; }
.pill { font-family:var(--display); font-weight:600; font-size:.78rem; padding:6px 13px; border-radius:999px; background:#fff; border:1px solid var(--line); color:var(--navy); }
.section--navy .pill { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.18); color:#fff; }

/* ---------- Forms ---------- */
.form-card { background:#fff; border:1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); padding: clamp(24px, 3vw, 40px); }
.form-grid { display:grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width:640px){ .form-grid { grid-template-columns:1fr; } }
.field { display:flex; flex-direction:column; gap:7px; }
.field.full { grid-column: 1 / -1; }
.field label { font-family:var(--display); font-weight:600; font-size:.85rem; color: var(--navy); }
.field label .req { color: var(--red); }
.field input, .field select, .field textarea {
  font-family: var(--body); font-size:.95rem; color: var(--ink);
  padding: 12px 14px; border:1px solid var(--line-2); border-radius: var(--r-sm);
  background: var(--cream); transition: border-color .15s, box-shadow .15s, background .15s;
}
.field textarea { resize: vertical; min-height: 110px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline:none; border-color: var(--navy-600); background:#fff;
  box-shadow: 0 0 0 3px rgba(29,65,116,.14);
}
.field .hint { font-size:.78rem; color: var(--muted); }
.form-note { font-size:.82rem; color: var(--muted); margin-top: 14px; }
.form-success {
  display:none; background: rgba(11,37,69,.04); border:1px solid var(--line);
  border-left:4px solid var(--red); border-radius: var(--r-sm); padding: 18px 20px; margin-bottom: 20px;
}
.form-success.show { display:block; }
.form-success h4 { margin-bottom:.2em; }
.form-success p:last-child { margin-bottom:0; }

/* radio/checkbox inline group */
.opt-group { display:flex; flex-wrap:wrap; gap:8px; }
.opt-group label {
  font-family: var(--body); font-weight:500; font-size:.9rem;
  border:1px solid var(--line-2); border-radius:999px; padding:8px 14px; cursor:pointer;
  background: var(--cream); color: var(--ink-soft); transition: all .15s;
  display:inline-flex; align-items:center; gap:7px;
}
.opt-group input { accent-color: var(--red); }
.opt-group label:hover { border-color: var(--navy-600); }

/* ---------- Logo strip / powered by ---------- */
.poweredby {
  display:flex; align-items:center; gap:16px; flex-wrap:wrap;
  background:#fff; border:1px solid var(--line); border-radius: var(--r);
  padding: 22px 26px; box-shadow: var(--shadow);
}
.poweredby .pb-mark { width:48px; height:48px; flex:0 0 auto; border-radius:12px; background:var(--navy); display:grid; place-items:center; color:#fff; font-family:var(--display); font-weight:800; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--on-navy-dim); }
.footer-top { padding-block: clamp(48px, 6vw, 72px); }
.footer-grid { display:grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: clamp(28px,4vw,48px); }
@media (max-width:900px){ .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width:560px){ .footer-grid { grid-template-columns: 1fr; } }
.footer-brand img { height: 40px; background:#fff; padding:8px 12px; border-radius:10px; }
.footer-brand p { margin-top:16px; font-size:.9rem; max-width: 38ch; }
.footer-pb { margin-top:16px; font-family:var(--display); font-weight:600; font-size:.82rem; color: var(--on-navy); letter-spacing:.02em; }
.footer-col h4 { color:#fff; font-size:.82rem; letter-spacing:.12em; text-transform:uppercase; margin-bottom:16px; }
.footer-col ul { list-style:none; margin:0; padding:0; display:grid; gap:10px; }
.footer-col a { color: var(--on-navy-dim); font-size:.92rem; }
.footer-col a:hover { color:#fff; }
.footer-col .ci { font-size:.9rem; }
.footer-col .footer-social { list-style:none; margin:18px 0 0; padding:0; display:flex; flex-direction:row; flex-wrap:wrap; gap:10px; }
.footer-social a {
  display:inline-flex; align-items:center; justify-content:center;
  width:36px; height:36px; border-radius:9px;
  background: rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14);
  color: var(--on-navy-dim); transition: background .15s ease, color .15s ease, transform .15s ease;
}
.footer-social a:hover { background: var(--red); border-color: var(--red); color:#fff; transform: translateY(-2px); }
.footer-social svg { width:18px; height:18px; }
.contact-social { list-style:none; margin:8px 0 0; padding:0; display:flex; flex-wrap:wrap; gap:8px; }
.contact-social a {
  display:inline-flex; align-items:center; justify-content:center;
  width:38px; height:38px; border-radius:10px;
  background: var(--cream); border:1px solid var(--line); color: var(--navy);
  transition: background .15s ease, color .15s ease, transform .15s ease, border-color .15s ease;
}
.contact-social a:hover { background: var(--red); border-color: var(--red); color:#fff; transform: translateY(-2px); }
.contact-social svg { width:18px; height:18px; }
.footer-bottom { border-top:1px solid rgba(255,255,255,.12); padding-block: 24px; }
.footer-disclaimer { font-size:.78rem; color: var(--on-navy-dim); line-height:1.65; max-width: 100%; }
.footer-legal { display:flex; justify-content:space-between; gap:16px; flex-wrap:wrap; margin-top:16px; font-size:.8rem; }

/* ---------- Reveal animation ---------- */
.reveal { opacity:0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity:1; transform:none; }
@media (prefers-reduced-motion: reduce){ .reveal { opacity:1; transform:none; } }

/* ---------- Misc ---------- */
.kicker-card { background: var(--navy-700); color: var(--on-navy); border-radius: var(--r-lg); padding: clamp(28px,4vw,48px); }
.kicker-card h2 { color:#fff; }
.divider-art { color: var(--red); }
.skip-link { position:absolute; left:-999px; }
.skip-link:focus { left: 12px; top:12px; background:#fff; padding:8px 14px; border-radius:8px; z-index:200; }