/* ==========================================================================
   Pension Appointment Network
   ========================================================================== */

:root {
  --bg:          #FBFAF7;
  --bg-alt:      #F7F4EE;
  --surface:     #FFFFFF;
  --ink:         #191F22;
  --ink-2:       #2B3335;
  --muted:       #4E585B;
  --muted-2:     #5B6669;
  --muted-3:     #666D70;
  --muted-4:     #666D70;

  --navy:        #1E3A5F;
  --navy-dark:   #142943;
  --navy-tint:   #EEF2F7;
  --navy-line:   #C7D5E5;

  --gold:        #8A6712;
  --gold-light:  #C9992E;

  --line:        #E7E4DC;
  --line-2:      #E2DED5;
  --line-3:      #DCD8CF;
  --faint:       #6B7174;

  --dark:        #191F22;
  --dark-line:   #2C3438;
  --dark-text:   #F4F2ED;
  --dark-muted:  #A8B0B1;
  --dark-muted-2:#8A9294;

  --serif: 'Instrument Serif', Georgia, 'Times New Roman', serif;
  --sans:  'Instrument Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --mono:  'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  --wrap: 1180px;
  --pad: 32px;
  --radius: 14px;
  --radius-lg: 20px;
}

/* Reset ------------------------------------------------------------------ */

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg, picture { display: block; max-width: 100%; }
img { height: auto; }

/* Layout rules below set display on form and div, which would otherwise
   beat the [hidden] attribute's default. */
[hidden] { display: none !important; }

h1, h2, h3, p, ul, ol, dl, dd, dt, figure { margin: 0; }
ul, ol { padding: 0; list-style: none; }

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--navy-dark); text-decoration: underline; }

::selection { background: var(--navy-line); }

:focus-visible {
  outline: 2px solid var(--navy);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 100;
  background: var(--navy);
  color: #fff;
  padding: 12px 18px;
  border-radius: 0 0 10px 0;
  font-size: 14.5px;
}
.skip-link:focus { left: 0; color: #fff; text-decoration: none; }

/* Layout ----------------------------------------------------------------- */

.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: var(--pad); padding-right: var(--pad); }
.section { padding-top: 96px; padding-bottom: 96px; }
.section-tight { padding-top: 76px; padding-bottom: 76px; }

/* Type ------------------------------------------------------------------- */

h1 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(38px, 5.2vw, 56px);
  line-height: 1.06;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
  text-wrap: balance;
}

h2 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(30px, 3.8vw, 42px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  text-wrap: balance;
}

h3 { font-size: 17px; font-weight: 600; letter-spacing: -0.01em; }

.lede {
  font-size: 18px;
  line-height: 1.6;
  color: var(--muted);
  max-width: 540px;
  margin-bottom: 34px;
  text-wrap: pretty;
}

.body-lg {
  font-size: 17px;
  line-height: 1.65;
  color: var(--muted);
  text-wrap: pretty;
}

.eyebrow {
  display: block;
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold);
}
.eyebrow-gold { color: var(--gold-light); }
.eyebrow-muted { color: var(--muted-4); }

.num {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--faint);
}

/* Buttons ---------------------------------------------------------------- */

.btn {
  display: inline-block;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: 15px 28px;
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 500;
  line-height: 1.2;
  text-align: center;
  cursor: pointer;
  transition: background-color .18s ease, color .18s ease, border-color .18s ease;
}
.btn:hover { text-decoration: none; }

.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-dark); color: #fff; }

.btn-ghost { border-color: var(--line-3); color: var(--ink); }
.btn-ghost:hover { background: #F2EFE9; color: var(--ink); }

.btn-invert { background: var(--bg); color: var(--navy); font-size: 16.5px; padding: 16px 30px; }
.btn-invert:hover { background: #fff; color: var(--navy-dark); }

.btn-sm { padding: 11px 20px; font-size: 14.5px; }
.btn-block { width: 100%; margin-top: 6px; font-size: 15.5px; }

.btn-row { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }

/* Header ----------------------------------------------------------------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251, 250, 247, 0.9);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 40px;
  padding-top: 12px;
  padding-bottom: 12px;
}

.brand { flex-shrink: 0; }
.brand img { height: 88px; width: auto; }
.brand:hover { text-decoration: none; }

.site-nav {
  display: flex;
  gap: 28px;
  margin-left: auto;
  font-size: 14.5px;
}
.site-nav a { color: var(--muted-2); }
.site-nav a:hover { color: var(--navy); }

.nav-toggle {
  display: none;
  margin-left: auto;
  width: 44px;
  height: 44px;
  padding: 0;
  border: 1px solid var(--line-3);
  border-radius: 10px;
  background: transparent;
  cursor: pointer;
  color: var(--ink);
}
.nav-toggle-bars { display: grid; gap: 5px; justify-items: center; }
.nav-toggle-bars span {
  display: block;
  width: 18px;
  height: 1.5px;
  background: currentColor;
  transition: transform .2s ease, opacity .2s ease;
}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* Hero ------------------------------------------------------------------- */

.hero { padding-top: 84px; padding-bottom: 64px; }

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.pill {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 7px 14px 7px 11px;
  border: 1px solid var(--navy-line);
  background: var(--navy-tint);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 28px;
}
.pill-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--navy); }

.trust-row {
  display: flex;
  gap: 10px 26px;
  flex-wrap: wrap;
  margin-top: 40px;
  font-size: 13.5px;
  color: var(--muted-3);
}

.hero-media {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  background: #F3F0EA;
}
.hero-media img {
  width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
  object-position: 58% 38%;
}

/* Bands ------------------------------------------------------------------ */

.band { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--bg-alt); }
.band-stats { border-bottom: 0; }

.band-inner {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  padding-top: 34px;
  padding-bottom: 34px;
}
.band-list {
  display: flex;
  gap: 34px;
  flex-wrap: wrap;
  font-size: 15.5px;
  color: var(--muted);
}

/* Split sections --------------------------------------------------------- */

.split { display: grid; gap: 72px; }
.split-what { grid-template-columns: 0.85fr 1.15fr; }
.split-pilot { grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.split-faq { grid-template-columns: 0.7fr 1.3fr; gap: 64px; }

.split-what h2, .split-pilot h2 { margin: 18px 0 20px; }
.split-faq h2 { margin-top: 18px; font-size: clamp(28px, 3.4vw, 38px); line-height: 1.12; }

.section-intro { max-width: 660px; margin-bottom: 52px; }
.section-intro h2 { margin: 18px 0; }

.section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}
.section-head > div { max-width: 620px; }
.section-head h2 { margin-top: 18px; }
.section-head-note {
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--dark-muted);
  max-width: 340px;
}

/* Cards ------------------------------------------------------------------ */

.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 24px;
}
.card h3 { margin: 12px 0 9px; }
.card p { font-size: 14.5px; line-height: 1.6; color: var(--muted-2); }

.card-hover { padding: 24px 22px 26px; transition: border-color .18s ease, transform .18s ease; }
.card-hover:hover { border-color: var(--navy); transform: translateY(-2px); }
.card-hover h3 { font-size: 16px; margin: 0 0 9px; }
.card-hover p { font-size: 14px; }

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

.segment-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }

.icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--navy-tint);
  color: var(--navy);
  margin-bottom: 18px;
}

/* Steps (dark) ----------------------------------------------------------- */

.dark { background: var(--dark); color: var(--dark-text); }
.dark h2, .dark h3 { color: var(--dark-text); }

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--dark-line);
  border: 1px solid var(--dark-line);
  border-radius: 16px;
  overflow: hidden;
}
.step { background: var(--dark); padding: 34px 30px 38px; }
.step-num { font-family: var(--serif); font-size: 30px; color: var(--gold-light); }
.step h3 { font-size: 17.5px; margin: 14px 0 10px; }
.step p { font-size: 14.5px; line-height: 1.65; color: var(--dark-muted); }

/* Topics ----------------------------------------------------------------- */

.topics {
  margin-top: 40px;
  background: var(--navy-tint);
  border: 1px solid var(--navy-line);
  border-radius: 16px;
  padding: 32px 34px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
.topics h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 26px;
  letter-spacing: -0.01em;
  margin-bottom: 12px;
}
.topics > div > p { font-size: 15px; line-height: 1.6; color: var(--muted); }

.topic-list { display: grid; gap: 12px; }
.topic-list li {
  position: relative;
  padding-left: 24px;
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink-2);
}
.topic-list li::before {
  content: "\2014";
  position: absolute;
  left: 0;
  color: var(--navy);
}

/* Stats ------------------------------------------------------------------ */

.stats-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 44px;
}
.stats-head h2 { font-size: clamp(28px, 3.2vw, 36px); }
.stats-head span { font-size: 14.5px; color: var(--muted-3); max-width: 380px; }

.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.stat { padding-right: 26px; }
.stat-value {
  font-family: var(--serif);
  font-size: clamp(38px, 4.4vw, 46px);
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 0;
}
.stat-label { font-size: 14.5px; font-weight: 500; margin: 14px 0 6px; }
.stat-note { font-size: 13.5px; line-height: 1.5; color: var(--muted-3); }

/* Pilot points ----------------------------------------------------------- */

.pilot-points { display: grid; gap: 14px; margin-top: 28px; }
.pilot-point {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 16px 0;
  border-top: 1px solid var(--line);
}
.pilot-point .num { padding-top: 3px; flex-shrink: 0; }
.pilot-point strong { display: block; font-size: 15.5px; font-weight: 600; margin-bottom: 5px; }
.pilot-point p { font-size: 14.5px; line-height: 1.6; color: var(--muted-2); }

/* Form ------------------------------------------------------------------- */

.form-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 36px 34px;
  box-shadow: 0 1px 2px rgba(25, 31, 34, .04), 0 12px 32px -18px rgba(25, 31, 34, .16);
  scroll-margin-top: 130px;
}
.form-card h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 28px;
  letter-spacing: -0.01em;
  margin-bottom: 8px;
}
.form-intro { font-size: 14.5px; line-height: 1.6; color: var(--muted-2); margin-bottom: 26px; }

form { display: grid; gap: 14px; }
.field { display: grid; gap: 7px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.field label { font-size: 12.5px; font-weight: 500; color: var(--muted); }

input, select, textarea {
  font-family: var(--sans);
  font-size: 15px;
  padding: 12px 14px;
  border: 1px solid var(--line-3);
  border-radius: 10px;
  background: #FCFBF9;
  color: var(--ink);
  width: 100%;
  transition: border-color .15s ease, background-color .15s ease;
}
textarea { resize: vertical; min-height: 84px; }
input:focus, select:focus, textarea:focus {
  border-color: var(--navy);
  background: #fff;
  outline: none;
  box-shadow: 0 0 0 3px rgba(30, 58, 95, .12);
}
input::placeholder, textarea::placeholder { color: #6E7478; }

input[aria-invalid="true"] { border-color: #B3322B; }
.error { font-size: 12.5px; color: #B3322B; min-height: 0; }
.error:empty { display: none; }

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-fine { font-size: 12.5px; line-height: 1.5; color: var(--muted-4); margin-top: 4px; }

.form-success {
  background: var(--navy-tint);
  border: 1px solid var(--navy-line);
  border-radius: 12px;
  padding: 22px;
  font-size: 15px;
  line-height: 1.6;
  color: var(--navy);
}

button[disabled] { opacity: .6; cursor: progress; }

/* FAQ -------------------------------------------------------------------- */

.faq-item { border-top: 1px solid var(--line-2); }
.faq-item h3 { margin: 0; font-size: inherit; font-weight: inherit; }

.faq-q {
  font-family: var(--sans);
  width: 100%;
  background: none;
  border: none;
  padding: 22px 0;
  display: flex;
  gap: 20px;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  text-align: left;
  color: var(--ink);
  font-size: 17px;
  font-weight: 500;
  letter-spacing: -0.01em;
}
.faq-q:hover { color: var(--navy); }

.faq-sign {
  position: relative;
  flex-shrink: 0;
  width: 16px;
  height: 16px;
}
.faq-sign::before, .faq-sign::after {
  content: "";
  position: absolute;
  background: var(--navy);
  border-radius: 1px;
  transition: transform .22s ease, opacity .22s ease;
}
.faq-sign::before { top: 7.5px; left: 0; width: 16px; height: 1.5px; }
.faq-sign::after  { left: 7.5px; top: 0; width: 1.5px; height: 16px; }
.faq-q[aria-expanded="true"] .faq-sign::after { opacity: 0; transform: rotate(90deg); }

.faq-a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows .28s ease;
}
.faq-a > p {
  overflow: hidden;
  font-size: 15.5px;
  line-height: 1.7;
  color: var(--muted);
  max-width: 640px;
  text-wrap: pretty;
}
.faq-item.is-open .faq-a { grid-template-rows: 1fr; }
.faq-item.is-open .faq-a > p { padding-bottom: 24px; }

/* Without JS every answer stays open, so the content is always reachable. */
html:not(.js) .faq-a { grid-template-rows: 1fr; }
html:not(.js) .faq-a > p { padding-bottom: 24px; }
html:not(.js) .faq-sign { display: none; }

/* Closing CTA ------------------------------------------------------------ */

.cta-navy { background: var(--navy); color: #EDF2F8; }
.cta-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 56px;
  align-items: center;
  padding-top: 84px;
  padding-bottom: 84px;
}
.cta-inner h2 { color: #EDF2F8; font-size: clamp(32px, 4vw, 44px); line-height: 1.08; margin-bottom: 18px; }
.cta-inner > div > p { font-size: 17px; line-height: 1.65; color: #B6C6DA; max-width: 520px; }
.cta-actions { display: flex; flex-direction: column; gap: 14px; align-items: flex-start; }
.cta-actions span { font-size: 13.5px; color: #9DB2CB; }

/* Footer ----------------------------------------------------------------- */

.site-footer { background: var(--dark); color: var(--dark-muted); }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  padding-top: 56px;
  padding-bottom: 40px;
}
.footer-brand {
  font-family: var(--serif);
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--dark-text);
  margin-bottom: 16px;
}
.footer-grid .eyebrow { margin-bottom: 14px; }
.footer-grid p { font-size: 14px; line-height: 1.6; max-width: 340px; }

.footer-head {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--dark-muted-2);
  margin-bottom: 16px;
}
.footer-links { display: grid; gap: 10px; font-size: 14.5px; }
.footer-links a { color: var(--dark-muted); }
.footer-links a:hover { color: var(--dark-text); }
.footer-dim { color: var(--dark-muted-2); }

.footer-legal {
  padding-top: 20px;
  padding-bottom: 40px;
  border-top: 1px solid var(--dark-line);
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 12.5px;
  color: var(--dark-muted-2);
}
.footer-legal a { color: var(--dark-muted-2); }
.footer-legal a:hover { color: var(--dark-muted); }

/* Legal pages ------------------------------------------------------------ */

.legal { max-width: 760px; padding-top: 72px; padding-bottom: 88px; }
.legal h1 { font-size: clamp(34px, 4.4vw, 44px); margin-bottom: 10px; }
.legal .updated { font-family: var(--mono); font-size: 12px; color: var(--muted-4); margin-bottom: 40px; }
.legal h2 { font-size: 24px; margin: 44px 0 12px; }
.legal p, .legal li { font-size: 16px; line-height: 1.7; color: var(--muted); }
.legal p + p { margin-top: 14px; }
.legal ul { display: grid; gap: 8px; margin-top: 12px; }
.legal ul li { position: relative; padding-left: 22px; }
.legal ul li::before { content: "\2014"; position: absolute; left: 0; color: var(--navy); }

/* Reveal animation ------------------------------------------------------- */

.reveal { opacity: 0; transform: translateY(14px); }
.reveal.is-visible {
  opacity: 1;
  transform: none;
  transition: opacity .5s ease, transform .5s ease;
}
.no-js .reveal, html:not(.js) .reveal { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal.is-visible { opacity: 1; transform: none; transition: none; }
  .card-hover:hover { transform: none; }
  .faq-a { transition: none; }
  * { animation-duration: .001ms !important; }
}

/* Responsive ------------------------------------------------------------- */

@media (max-width: 1040px) {
  .segment-grid { grid-template-columns: repeat(3, 1fr); }
  .split-what, .split-faq { grid-template-columns: 1fr; gap: 44px; }
  .steps { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  :root { --pad: 24px; }

  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 0;
    margin: 0;
    padding: 8px var(--pad) 20px;
    background: var(--bg);
    border-bottom: 1px solid var(--line);
    font-size: 16px;
  }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 13px 0; border-bottom: 1px solid var(--line); }
  .site-nav a:last-child { border-bottom: 0; }

  .header-inner { gap: 16px; position: relative; }
  .brand img { height: 62px; }
  .nav-toggle { display: block; }
  .header-cta { display: none; }

  .hero { padding-top: 56px; padding-bottom: 48px; }
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-copy { order: 2; }
  .hero-media { order: 1; }
  .lede { max-width: none; }

  .section { padding-top: 68px; padding-bottom: 68px; }
  .section-tight { padding-top: 60px; padding-bottom: 60px; }

  .split-pilot { grid-template-columns: 1fr; gap: 44px; }
  .topics { grid-template-columns: 1fr; gap: 24px; padding: 26px 24px; }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 28px 24px; }
  .cta-inner { grid-template-columns: 1fr; gap: 32px; padding-top: 64px; padding-bottom: 64px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 700px) {
  .segment-grid { grid-template-columns: repeat(2, 1fr); }
  .pillar-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .band-inner { gap: 18px; }
  .band-list { gap: 8px 22px; font-size: 14.5px; }
  .form-card { padding: 28px 22px; }
  .btn-row .btn { flex: 1 1 auto; }
  .trust-row { gap: 8px 20px; margin-top: 30px; }
}

@media (max-width: 460px) {
  .segment-grid { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .brand img { height: 54px; }
}

/* Print ------------------------------------------------------------------ */

@media print {
  .site-header, .nav-toggle, .cta-navy, .form-card { display: none; }
  body { background: #fff; }
  .reveal { opacity: 1; transform: none; }
}