/* ============================================================
   SmartPlans Insurance Services — Medicare Specialists
   Palette drawn from brand logo: deep burgundy, metallic gold,
   warm ivory. Display: Fraunces. Body: Figtree.
   Signature motif: the gold arc (from the logo swoosh).
   ============================================================ */

:root {
  --burgundy: #6B1220;
  --wine: #8A1E30;
  --crimson: #A3243A;
  --gold: #C9962E;
  --gold-light: #E2B45A;
  --gold-pale: #F4E3BC;
  --ivory: #FBF7EE;
  --parchment: #F2EAD9;
  --ink: #33191E;
  --ink-soft: #5C4046;
  --white: #FDFBF5;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(107, 18, 32, 0.10);
  --maxw: 1120px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  font-family: 'Figtree', 'Segoe UI', Arial, sans-serif;
  background: var(--ivory);
  color: var(--ink);
  line-height: 1.65;
  font-size: 17px;
}

h1, h2, h3 { font-family: 'Fraunces', Georgia, serif; line-height: 1.15; color: var(--burgundy); }
h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); font-weight: 600; }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 600; }
h3 { font-size: 1.25rem; font-weight: 600; }

a { color: var(--wine); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Eyebrow + arc underline (signature) ---------- */
.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.arc-under {
  display: block;
  width: 130px;
  height: 14px;
  margin-top: 10px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 130 14'%3E%3Cpath d='M2 4 C 42 14 88 14 128 4' stroke='%23C9962E' stroke-width='5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat center / contain;
}
.center { text-align: center; }
.center .arc-under { margin-left: auto; margin-right: auto; }

/* ---------- Top bar + header ---------- */
.topbar {
  background: var(--burgundy);
  color: var(--gold-pale);
  font-size: 0.85rem;
  padding: 7px 0;
  border-bottom: 2px solid var(--gold);
}
.topbar .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.topbar a { color: var(--gold-light); text-decoration: none; font-weight: 600; }

/* Big brand banner */
.brandbar { background: var(--white); }
.brandbar .container {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; padding-top: 18px; padding-bottom: 18px; flex-wrap: wrap;
}
.logo img { height: 190px; width: auto; display: block; }
.brand-cta { text-align: right; }
.brand-cta .call-label { display: block; font-size: 0.85rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold); }
.brand-cta .call-number { display: block; font-family: 'Fraunces', serif; font-size: 2rem; font-weight: 600; color: var(--burgundy); text-decoration: none; line-height: 1.2; }
.brand-cta .btn { margin-top: 10px; }

/* Burgundy nav strip */
.navstrip { background: var(--burgundy); position: sticky; top: 0; z-index: 50; box-shadow: 0 4px 14px rgba(60,10,18,0.25); }
.navstrip .container { display: flex; align-items: center; justify-content: space-between; }
nav.main { display: flex; align-items: center; gap: 4px; }
nav.main > a, .dropdown > button {
  font-family: 'Figtree', sans-serif;
  font-size: 1.02rem; font-weight: 600;
  color: var(--ivory); text-decoration: none;
  padding: 14px 18px; border: none; background: none; cursor: pointer;
  border-bottom: 3px solid transparent;
}
nav.main > a:hover, .dropdown > button:hover { background: rgba(253,251,245,0.12); color: var(--gold-light); }
nav.main > a[aria-current="page"] { border-bottom-color: var(--gold); color: var(--gold-light); }

.dropdown { position: relative; }
.dropdown > button::after { content: " \25BE"; color: var(--gold-light); }
.dropdown-menu {
  position: absolute; top: 100%; left: 0;
  background: var(--white); border: 1px solid var(--parchment);
  border-top: 3px solid var(--gold);
  border-radius: 0 0 10px 10px; box-shadow: var(--shadow);
  min-width: 260px; padding: 8px; display: none; z-index: 60;
}
.dropdown:hover .dropdown-menu, .dropdown:focus-within .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block; padding: 11px 14px; border-radius: 8px;
  text-decoration: none; color: var(--ink); font-weight: 600; font-size: 0.96rem;
}
.dropdown-menu a:hover { background: var(--parchment); color: var(--burgundy); }

.btn {
  display: inline-block; text-decoration: none; font-weight: 700;
  border-radius: 999px; padding: 12px 26px; font-size: 1rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(107,18,32,0.22); }
.btn-gold { background: linear-gradient(135deg, var(--gold-light), var(--gold)); color: var(--burgundy); }
.btn-outline { border: 2px solid var(--burgundy); color: var(--burgundy); }
.btn-ivory { background: var(--ivory); color: var(--burgundy); }
.navstrip .btn-gold { padding: 9px 22px; margin: 6px 0; }

/* Photos */
.photo { width: 100%; border-radius: var(--radius); box-shadow: var(--shadow); border-bottom: 5px solid var(--gold); object-fit: cover; display: block; }
.photo-tall { aspect-ratio: 4 / 3; }
.photo-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 40px; }
.photo-strip figure { margin: 0; }
.photo-strip img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); border-bottom: 5px solid var(--gold); display: block; }
.photo-strip figcaption { font-size: 0.9rem; color: var(--ink-soft); padding-top: 10px; text-align: center; font-weight: 600; }
.ph-grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 44px; align-items: center; }
.ph-grid .photo { aspect-ratio: 5 / 4; }

/* ---------- Hero ---------- */
.hero { background: linear-gradient(160deg, var(--burgundy) 0%, #571020 55%, #47101E 100%); color: var(--ivory); position: relative; overflow: hidden; }
.hero .container {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 48px;
  align-items: center; padding-top: 72px; padding-bottom: 96px;
}
.hero h1 { color: var(--white); }
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero p.lede { font-size: 1.15rem; color: #F0E3D2; margin: 18px 0 28px; max-width: 46ch; }
.hero .actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-arc {
  position: absolute; bottom: -2px; left: 0; right: 0;
  height: 70px; width: 100%; display: block;
}

.hero-card {
  background: var(--white); color: var(--ink);
  border-radius: var(--radius); box-shadow: var(--shadow);
  padding: 30px; border-top: 5px solid var(--gold);
}
.hero-card h3 { margin-bottom: 4px; }
.hero-card ol { margin: 14px 0 20px 0; list-style: none; counter-reset: step; }
.hero-card ol li {
  counter-increment: step; position: relative;
  padding: 10px 0 10px 46px; border-bottom: 1px dashed var(--parchment);
}
.hero-card ol li::before {
  content: counter(step);
  position: absolute; left: 0; top: 8px;
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--burgundy); color: var(--gold-light);
  font-weight: 800; display: grid; place-items: center;
  font-family: 'Fraunces', serif;
}

/* ---------- Sections ---------- */
section.band { padding: 72px 0; }
section.band.alt { background: var(--parchment); }
section.band.dark { background: var(--burgundy); color: var(--ivory); }
section.band.dark h2 { color: var(--white); }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 40px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; margin-top: 40px; }

.card {
  background: var(--white); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow);
  border-top: 4px solid var(--burgundy);
}
.card.gold-top { border-top-color: var(--gold); }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--ink-soft); font-size: 0.98rem; }
.card .more { display: inline-block; margin-top: 14px; font-weight: 700; color: var(--crimson); text-decoration: none; }
.card .more::after { content: " →"; color: var(--gold); }

.shield-ic {
  width: 46px; height: 46px; margin-bottom: 14px; display: block;
}

/* arc-marked lists */
ul.arc-list { list-style: none; margin: 18px 0; }
ul.arc-list li { position: relative; padding: 6px 0 6px 34px; }
ul.arc-list li::before {
  content: ""; position: absolute; left: 0; top: 13px;
  width: 22px; height: 11px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 11'%3E%3Cpath d='M1.5 2.5 C 7 10 15 10 20.5 2.5' stroke='%23C9962E' stroke-width='3.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat center / contain;
}

/* comparison table */
.tbl { width: 100%; border-collapse: collapse; margin-top: 30px; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.tbl th { background: var(--burgundy); color: var(--gold-pale); padding: 14px 16px; text-align: left; font-family: 'Figtree', sans-serif; font-size: 0.95rem; }
.tbl td { padding: 13px 16px; border-bottom: 1px solid var(--parchment); font-size: 0.95rem; vertical-align: top; }
.tbl tr:nth-child(even) td { background: var(--ivory); }

/* FAQ */
details.faq { background: var(--white); border-radius: 10px; margin-bottom: 12px; box-shadow: var(--shadow); overflow: hidden; }
details.faq summary { cursor: pointer; font-weight: 700; padding: 16px 20px; color: var(--burgundy); list-style: none; }
details.faq summary::before { content: "＋ "; color: var(--gold); font-weight: 800; }
details.faq[open] summary::before { content: "－ "; }
details.faq div { padding: 0 20px 18px; color: var(--ink-soft); }

/* CTA band */
.cta-band { background: linear-gradient(135deg, var(--wine), var(--burgundy)); border-radius: var(--radius); padding: 46px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; color: var(--ivory); box-shadow: var(--shadow); }
.cta-band h2 { color: var(--white); margin-bottom: 6px; }
.cta-band p { color: var(--gold-pale); }

/* page hero (interior pages) */
.page-hero { background: linear-gradient(160deg, var(--burgundy), #4C0F1D); color: var(--ivory); padding: 60px 0 70px; position: relative; }
.page-hero h1 { color: var(--white); }
.page-hero p { max-width: 62ch; color: #F0E3D2; margin-top: 12px; font-size: 1.08rem; }

/* footer */
footer.site { background: #3E0C17; color: #E8D6C4; padding: 56px 0 30px; margin-top: 0; }
footer.site .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 36px; }
footer.site h4 { color: var(--gold-light); font-family: 'Fraunces', serif; margin-bottom: 12px; font-size: 1.05rem; }
footer.site a { color: #E8D6C4; text-decoration: none; display: block; padding: 4px 0; font-size: 0.95rem; }
footer.site a:hover { color: var(--gold-light); }
footer.site .disclaimer { margin-top: 34px; padding-top: 22px; border-top: 1px solid #5A1A27; font-size: 0.8rem; color: #C7A99A; line-height: 1.6; }
footer.site img { height: 54px; margin-bottom: 14px; background: var(--ivory); padding: 10px 14px; border-radius: 10px; box-sizing: content-box; }

/* mobile */
.nav-toggle { display: none; background: none; border: 2px solid var(--gold-light); border-radius: 8px; padding: 8px 14px; font-weight: 800; color: var(--ivory); cursor: pointer; }
@media (max-width: 920px) {
  .hero .container, .grid-3, .grid-2, footer.site .cols, .photo-strip, .ph-grid { grid-template-columns: 1fr; }
  .nav-toggle { display: block; }
  .navstrip .container { flex-wrap: wrap; }
  nav.main {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--burgundy); flex-direction: column; align-items: stretch;
    padding: 12px 20px 20px; border-bottom: 3px solid var(--gold); box-shadow: var(--shadow);
  }
  nav.main.open { display: flex; }
  nav.main > a, .dropdown > button { border-bottom: none; width: 100%; text-align: left; }
  .dropdown-menu { position: static; box-shadow: none; border: none; border-left: 3px solid var(--gold); border-radius: 0; display: block; background: rgba(253,251,245,0.06); }
  .dropdown-menu a { color: var(--ivory); }
  .brandbar .container { justify-content: center; text-align: center; }
  .brand-cta { text-align: center; }
  .logo img { height: 120px; }
}