/* TermLifePlans — navy + cream, carried over from the original brand tokens
   (--brand-h: 257 deep navy, cream surfaces, Source Serif 4 display / Inter body). */

:root {
  --navy-900: #171b2e;
  --navy-700: #262c4a;
  --navy-600: #343c63;
  --navy-500: #454f7d;
  --navy-100: #e3e5ef;
  --cream: #faf8f3;
  --cream-soft: #f3efe6;
  --ink: #1b1d28;
  --muted: #5d6275;
  --line: #e2e0d9;
  --white: #fff;
  --radius: 8px;
  --wrap: 1120px;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}

h1, h2, h3 {
  font-family: "Source Serif 4", ui-serif, Georgia, serif;
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy-900);
  margin: 0 0 0.5em;
}

h1 { font-size: clamp(2.1rem, 4.6vw, 3.1rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin-top: 1.8em; }
h3 { font-size: 1.2rem; letter-spacing: -0.01em; }
p { margin: 0 0 1.1em; }

a { color: var(--navy-600); text-underline-offset: 3px; }
a:hover { color: var(--navy-900); }

code {
  background: var(--cream-soft);
  padding: 1px 5px;
  border-radius: 4px;
  font-size: 0.9em;
}

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 clamp(1rem, 5vw, 2rem); }
.narrow { max-width: 720px; }
.center { text-align: center; }
.section { padding: clamp(3rem, 6vw, 5rem) 0; }
.mt { margin-top: 2.5em; }

.skip {
  position: absolute; left: -9999px;
  background: var(--navy-900); color: #fff; padding: 10px 16px;
}
.skip:focus { left: 8px; top: 8px; z-index: 20; }

/* nav */
.nav { border-bottom: 1px solid var(--line); background: var(--white); }
.navrow { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 68px; flex-wrap: wrap; }
.brand {
  font-family: "Source Serif 4", ui-serif, Georgia, serif;
  font-weight: 700; font-size: 1.22rem; color: var(--navy-900); text-decoration: none;
  letter-spacing: -0.02em;
}
.nav nav { display: flex; align-items: center; gap: clamp(0.75rem, 2vw, 1.6rem); flex-wrap: wrap; }
.nav nav a { text-decoration: none; font-size: 0.95rem; font-weight: 500; color: var(--muted); }
.nav nav a:hover { color: var(--navy-900); }

/* buttons */
.btn {
  display: inline-block; background: var(--navy-600); color: #fff !important;
  padding: 13px 22px; border-radius: var(--radius); text-decoration: none;
  font-weight: 600; font-size: 0.97rem; border: 1px solid var(--navy-600);
  cursor: pointer; transition: background .15s ease, transform .15s ease;
}
.btn:hover { background: var(--navy-900); border-color: var(--navy-900); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--navy-700) !important; border-color: var(--line); }
.btn-ghost:hover { background: var(--cream-soft); color: var(--navy-900) !important; }
.btn-sm { padding: 9px 16px; font-size: 0.9rem; }
.row { display: flex; gap: 0.75rem; flex-wrap: wrap; margin: 1.5rem 0 0.75rem; }

/* type helpers */
.eyebrow {
  text-transform: uppercase; letter-spacing: 0.09em; font-size: 0.76rem;
  font-weight: 600; color: var(--navy-500); margin: 0 0 0.7em;
}
.lede { font-size: 1.14rem; color: var(--muted); }
.fine { font-size: 0.86rem; color: var(--muted); line-height: 1.55; }

.notice {
  background: #fdf6e3; border: 1px solid #e8d9a8; border-radius: var(--radius);
  padding: 14px 18px; font-size: 0.93rem;
}

/* hero */
.hero { background: var(--cream); border-bottom: 1px solid var(--line); padding: clamp(2.5rem, 6vw, 4.5rem) 0; }
.herogrid { display: grid; gap: clamp(2rem, 4vw, 3.5rem); align-items: center; grid-template-columns: 1fr; }
@media (min-width: 900px) { .herogrid { grid-template-columns: 1.05fr 0.95fr; } }
.heroimg img {
  width: 100%; height: auto; display: block;
  border-radius: 12px; box-shadow: 0 18px 40px -18px rgba(23, 27, 46, .45);
}

/* bands + cards */
.band { background: var(--cream); border-block: 1px solid var(--line); padding: clamp(3rem, 6vw, 4.5rem) 0; }
.grid3 { display: grid; gap: 1.1rem; grid-template-columns: 1fr; margin-top: 1.6rem; }
@media (min-width: 640px) { .grid3 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 960px) { .grid3 { grid-template-columns: repeat(3, 1fr); } }

.card {
  background: var(--white); border: 1px solid var(--line);
  border-radius: 12px; padding: 22px;
}
.card h3 { margin-bottom: 0.4em; }
.card p { margin: 0; font-size: 0.96rem; color: var(--muted); }

.carriercard { text-decoration: none; display: block; transition: transform .15s ease, box-shadow .15s ease; }
.carriercard:hover { transform: translateY(-2px); box-shadow: 0 12px 28px -14px rgba(23,27,46,.4); }
.dot { display: block; width: 34px; height: 4px; border-radius: 3px; margin-bottom: 14px; }
.more { display: inline-block; margin-top: 12px; font-size: 0.9rem; font-weight: 600; color: var(--navy-600); }

/* carrier review */
.facts {
  display: grid; gap: 0; margin: 1.8rem 0 2.2rem;
  border: 1px solid var(--line); border-radius: 12px; overflow: hidden;
}
.facts > div { display: grid; grid-template-columns: 1fr; gap: 2px; padding: 13px 18px; border-bottom: 1px solid var(--line); }
@media (min-width: 560px) { .facts > div { grid-template-columns: 170px 1fr; gap: 1rem; } }
.facts > div:last-child { border-bottom: 0; }
.facts > div:nth-child(odd) { background: var(--cream); }
.facts dt { font-weight: 600; font-size: 0.9rem; color: var(--navy-700); }
.facts dd { margin: 0; font-size: 0.95rem; color: var(--muted); }

.cta {
  border: 2px solid var(--navy-600); border-radius: 12px;
  padding: 22px; margin: 2.2rem 0; background: var(--cream);
}
.cta p:first-child { margin-top: 0; }
.cta .fine { margin: 12px 0 0; }

/* table */
.tablewrap { overflow-x: auto; margin-top: 1.4rem; }
table { border-collapse: collapse; width: 100%; font-size: 0.94rem; min-width: 560px; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--cream); font-weight: 600; color: var(--navy-700); }

/* form */
.form { margin-top: 2rem; }
.form label { display: block; font-weight: 600; font-size: 0.94rem; margin: 1.3rem 0 0.4rem; color: var(--navy-700); }
.form input, .form select {
  width: 100%; padding: 12px 14px; font: inherit; font-size: 1rem;
  border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); color: var(--ink);
}
.form input:focus, .form select:focus { outline: 2px solid var(--navy-500); outline-offset: 1px; border-color: var(--navy-500); }
.form .fine { margin: 1.6rem 0 1.2rem; }
.form button { margin-top: 0.4rem; }
.hp { position: absolute; left: -9999px; }

/* footer */
.foot { background: var(--navy-900); color: #c6cadb; padding: 3rem 0 2rem; margin-top: 0; }
.foot a { color: #c6cadb; text-decoration: none; display: block; font-size: 0.92rem; padding: 3px 0; }
.foot a:hover { color: #fff; text-decoration: underline; }
.footgrid { display: grid; gap: 1.8rem; grid-template-columns: 1fr; }
@media (min-width: 700px) { .footgrid { grid-template-columns: 1.6fr 1fr 1fr 1fr; } }
.footbrand {
  font-family: "Source Serif 4", ui-serif, Georgia, serif;
  font-weight: 700; font-size: 1.15rem; color: #fff; margin: 0 0 0.5em;
}
.foothead { font-weight: 600; font-size: 0.83rem; text-transform: uppercase; letter-spacing: 0.08em; color: #fff; margin: 0 0 0.6em; }
.foot .fine { color: #9aa0b8; }
.disc { margin-top: 2.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.12); max-width: 780px; }
.disc a { display: inline; text-decoration: underline; }