/* indexannuityrate.com — senior-friendly static styles
   Pattern: Trust-first single-column lead page
   Body 20px+, WCAG AA+ contrast, large tap targets
*/

:root {
  --bg: #F7F5F0;
  --surface: #FFFFFF;
  --ink: #0B1F3A;
  --ink-soft: #1C2E45;
  --muted: #3D4F66;
  --line: #C5CDD8;
  --brand: #0A4D8C;
  --brand-dark: #083A6B;
  --accent: #0B6E4F;
  --accent-dark: #08553C;
  --warn-bg: #FFF8E6;
  --warn-border: #C9A227;
  --error: #8B1E1E;
  --focus: #FFBF00;
  --radius: 10px;
  --shadow: 0 2px 12px rgba(11, 31, 58, 0.08);
  --max: 720px;
  --max-wide: 960px;
  --font: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 20px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}

img { max-width: 100%; height: auto; }

a {
  color: var(--brand);
  text-decoration-thickness: 2px;
  text-underline-offset: 3px;
}
a:hover { color: var(--brand-dark); }
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: #fff;
  padding: 0.75rem 1rem;
  z-index: 1000;
}
.skip-link:focus { left: 0.5rem; top: 0.5rem; }

.wrap {
  width: min(100% - 2rem, var(--max-wide));
  margin-inline: auto;
}
.wrap-narrow {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}

/* Header / nav — max 5 items */
.site-header {
  background: var(--surface);
  border-bottom: 2px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem 1.25rem;
  padding: 0.85rem 0;
}
.brand {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--ink);
  text-decoration: none;
  line-height: 1.25;
}
.brand span {
  display: block;
  font-weight: 500;
  font-size: 0.85rem;
  color: var(--muted);
}
.nav-toggle {
  display: none;
  background: var(--brand);
  color: #fff;
  border: 0;
  border-radius: var(--radius);
  padding: 0.7rem 1rem;
  font-size: 1rem;
  font-weight: 700;
  min-height: 48px;
  cursor: pointer;
}
.site-nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.15rem;
}
.site-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  padding: 0.55rem 0.85rem;
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: 1.05rem;
  border-radius: 8px;
}
.site-nav a:hover,
.site-nav a[aria-current="page"] {
  background: #E8EEF6;
  color: var(--brand-dark);
}
.header-phone {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--accent-dark);
  text-decoration: none;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  padding: 0.4rem 0.6rem;
  white-space: nowrap;
  flex: 1 1 auto;
  justify-content: flex-end;
}

@media (max-width: 820px) {
  .nav-toggle { display: inline-flex; align-items: center; }
  .brand { flex: 1 1 100%; }
  .header-phone { order: 2; justify-content: flex-start; padding-left: 0; }
  .nav-toggle { order: 3; margin-left: auto; }
  .site-nav {
    display: none;
    width: 100%;
    order: 4;
  }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; }
  .site-nav a { width: 100%; }
}

/* Hero */
.hero {
  background: var(--ink);
  color: #F7F5F0;
  padding: 2.25rem 0 2.5rem;
}
.hero h1 {
  margin: 0 0 0.75rem;
  font-size: clamp(1.85rem, 4vw, 2.55rem);
  line-height: 1.2;
  font-weight: 800;
  max-width: 18ch;
}
.hero .lede {
  margin: 0 0 1.25rem;
  font-size: 1.2rem;
  line-height: 1.5;
  color: #D7E0EC;
  max-width: 42ch;
}
.hero a { color: #FFE08A; }

/* Trust strip */
.trust-strip {
  background: var(--surface);
  border-bottom: 2px solid var(--line);
  padding: 1rem 0;
}
.trust-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.65rem 1.25rem;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
}
.trust-list li {
  font-size: 0.98rem;
  color: var(--ink-soft);
  padding-left: 1.6rem;
  position: relative;
  line-height: 1.4;
}
.trust-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: 800;
}

/* Rate callout */
.rate-callout {
  margin: 1.75rem 0;
  background: var(--warn-bg);
  border: 3px solid var(--warn-border);
  border-radius: var(--radius);
  padding: 1.25rem 1.35rem;
  box-shadow: var(--shadow);
}
.rate-callout .label {
  margin: 0 0 0.35rem;
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--muted);
}
.rate-callout .figure {
  margin: 0;
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 800;
  color: var(--ink);
  line-height: 1.15;
}
.rate-callout .figure em {
  font-style: normal;
  color: var(--brand);
}
.rate-callout .note {
  margin: 0.65rem 0 0;
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.45;
}

/* Sections */
main { padding-bottom: 2.5rem; }
.section {
  padding: 2rem 0 0.25rem;
}
.section h2 {
  margin: 0 0 0.85rem;
  font-size: clamp(1.45rem, 3vw, 1.85rem);
  line-height: 1.25;
  color: var(--ink);
}
.section h3 {
  margin: 1.35rem 0 0.5rem;
  font-size: 1.2rem;
  color: var(--ink);
}
.section p { margin: 0 0 1rem; color: var(--ink-soft); }
.section ul {
  margin: 0 0 1rem;
  padding-left: 1.25rem;
  color: var(--ink-soft);
}
.section li { margin-bottom: 0.45rem; }

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.35rem 1.4rem;
  box-shadow: var(--shadow);
}

/* Form */
.form-block {
  background: var(--surface);
  border: 2px solid var(--brand);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem 1.65rem;
  box-shadow: var(--shadow);
}
.form-block h2 { margin-top: 0; }
.form-intro {
  margin: 0 0 1.15rem;
  color: var(--muted);
  font-size: 1.05rem;
}
.form-grid {
  display: grid;
  gap: 1rem;
}
.field label {
  display: block;
  font-weight: 700;
  margin-bottom: 0.35rem;
  color: var(--ink);
}
.field .hint {
  display: block;
  font-weight: 500;
  font-size: 0.9rem;
  color: var(--muted);
  margin-top: 0.25rem;
}
.field input,
.field select,
.field textarea {
  width: 100%;
  font: inherit;
  font-size: 1.1rem;
  padding: 0.85rem 0.95rem;
  min-height: 52px;
  border: 2px solid #5A6B82;
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--brand);
}
.hp-field {
  position: absolute !important;
  left: -10000px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  min-height: 56px;
  padding: 0.9rem 1.4rem;
  font: inherit;
  font-size: 1.15rem;
  font-weight: 800;
  border: 0;
  border-radius: 10px;
  cursor: pointer;
  text-decoration: none;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
  width: 100%;
}
.btn-primary:hover { background: var(--accent-dark); color: #fff; }
.form-privacy {
  margin: 0.85rem 0 0;
  font-size: 0.95rem;
  color: var(--muted);
  line-height: 1.45;
}

/* FAQ */
.faq details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  margin-bottom: 0.65rem;
}
.faq summary {
  font-weight: 700;
  cursor: pointer;
  min-height: 44px;
  display: flex;
  align-items: center;
}
.faq details p { margin: 0.65rem 0 0.2rem; }

/* Related / sister sites */
.related {
  margin-top: 1.5rem;
  padding: 1.1rem 1.2rem;
  background: #E8EEF6;
  border-radius: var(--radius);
  border-left: 5px solid var(--brand);
}
.related p { margin: 0 0 0.5rem; }
.related ul { margin: 0; }

/* Footer */
.site-footer {
  background: var(--ink);
  color: #D7E0EC;
  padding: 2rem 0 2.5rem;
  margin-top: 2.5rem;
  font-size: 0.98rem;
  line-height: 1.5;
}
.site-footer a { color: #FFE08A; }
.site-footer h2 {
  margin: 0 0 0.75rem;
  font-size: 1.1rem;
  color: #fff;
}
.footer-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  margin-bottom: 1.5rem;
}
.footer-grid ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.footer-grid li { margin-bottom: 0.4rem; }
.compliance {
  border-top: 1px solid #3A516E;
  padding-top: 1.25rem;
  font-size: 0.9rem;
  color: #B8C5D6;
}
.compliance p { margin: 0 0 0.75rem; }

/* Inner page hero */
.page-hero {
  background: var(--surface);
  border-bottom: 2px solid var(--line);
  padding: 1.75rem 0 1.5rem;
}
.page-hero h1 {
  margin: 0 0 0.5rem;
  font-size: clamp(1.7rem, 3.5vw, 2.2rem);
  line-height: 1.2;
}
.page-hero .lede {
  margin: 0;
  color: var(--muted);
  max-width: 50ch;
}

.alert {
  padding: 1rem 1.15rem;
  border-radius: var(--radius);
  margin: 1rem 0;
}
.alert-success {
  background: #E6F5EE;
  border: 2px solid var(--accent);
  color: var(--ink);
}
.alert-error {
  background: #FBEAEA;
  border: 2px solid var(--error);
  color: var(--ink);
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}


/* Sequential lead form */
.lead-form .form-progress {
  margin: 0 0 0.85rem;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--ink);
}
.lead-form .optional {
  font-weight: 500;
  color: var(--muted);
}
.lead-form .form-error {
  margin: 0 0 0.85rem;
  padding: 0.85rem 1rem;
  background: #FDECEC;
  border: 2px solid var(--error);
  border-radius: 8px;
  color: var(--error);
  font-weight: 700;
}
.lead-form .form-error[hidden] { display: none !important; }
.lead-form .field input.is-invalid {
  border-color: var(--error);
  outline: 3px solid rgba(139, 30, 30, 0.25);
}
.form-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 0.35rem;
}
.form-nav .btn { flex: 1 1 140px; }
.btn-secondary {
  background: #E8EEF6;
  color: var(--ink);
  border: 2px solid #5A6B82;
}
.btn-secondary:hover { background: #D7E1EF; color: var(--ink); }
.lead-form.js-ready .form-step:not(.is-active) { display: none; }
.lead-form.js-ready .js-only[hidden] { display: none !important; }
.lead-form:not(.js-ready) .js-only { display: none !important; }
.lead-form:not(.js-ready) .form-progress { display: none; }
.lead-form .form-submit { width: 100%; }
.alert {
  background: var(--surface);
  border: 3px solid var(--brand);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem;
  box-shadow: var(--shadow);
}
.alert-success { border-color: var(--accent); background: #F1FAF6; }
.alert h1 {
  margin: 0 0 0.75rem;
  font-size: clamp(1.75rem, 4vw, 2.25rem);
  line-height: 1.2;
  color: var(--ink);
}
.alert p {
  margin: 0 0 1rem;
  font-size: 1.15rem;
  color: var(--ink-soft);
}
.alert .btn { max-width: 320px; text-decoration: none; }
.thank-links {
  list-style: none;
  margin: 1.25rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.75rem;
}
.thank-links a {
  display: inline-flex;
  align-items: center;
  min-height: 48px;
  font-size: 1.1rem;
  font-weight: 700;
}