/* bestretirementinvestment.com
   Readers are 55 to 75: large text, strong contrast, generous spacing,
   underlined links, nothing that moves. Edit colors in :root. */

:root {
  --ink: #1c2530;
  --muted: #4a5663;
  --navy: #16324f;
  --navy-2: #22476f;
  --link: #1a4d8c;
  --link-hover: #0f3462;
  --gold: #b38b35;
  --gold-soft: #f7f0de;
  --bg: #fbfaf7;
  --paper: #ffffff;
  --line: #dcd8cf;
  --answer-bg: #eaf1f8;
  --green: #2c5e45;
  --green-bg: #eef5f0;
  --note-bg: #fbf5e6;
  --radius: 10px;
  --wrap: 1120px;
  --read: 720px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Charter, Georgia, serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 400 19px/1.65 var(--sans);
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; }
a { color: var(--link); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--link-hover); text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 3px; }

h1, h2, h3 { font-family: var(--serif); color: var(--navy); line-height: 1.25; font-weight: 700; }
h1 { font-size: clamp(2rem, 4.2vw, 2.7rem); margin: 0 0 .6rem; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.5rem, 3vw, 1.85rem); margin: 2.4rem 0 .8rem; }
h3 { font-size: 1.25rem; margin: 1.8rem 0 .5rem; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff; padding: 10px 16px; z-index: 100; }
.skip-link:focus { left: 10px; top: 10px; }

/* ---------- Header ---------- */
.site-header { background: var(--paper); border-bottom: 1px solid var(--line); position: relative; z-index: 20; }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.brand-mark { width: 38px; height: 38px; flex: none; }
.brand-name { font-family: var(--serif); font-weight: 700; font-size: 1.3rem; line-height: 1.1; }
.menu-btn { display: none; }

.nav-list { list-style: none; margin: 0; padding: 0; display: flex; gap: 4px; align-items: center; }
.nav-item { position: relative; }
.nav-top { display: block; white-space: nowrap; padding: 10px 14px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: 1.02rem; border-radius: 8px; cursor: pointer; }
.nav-top:hover, .nav-item:focus-within > .nav-top { background: var(--answer-bg); color: var(--navy); }
.has-kids > .nav-top::after { content: ""; display: inline-block; width: 7px; height: 7px; margin-left: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-3px) rotate(45deg); }
.nav-sub { list-style: none; margin: 0; padding: 8px; position: absolute; left: 0; top: 100%; min-width: 270px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: 0 12px 30px rgba(22, 50, 79, .14); display: none; }
.nav-item:hover > .nav-sub, .nav-item:focus-within > .nav-sub { display: block; }
.nav-sub a { display: block; padding: 9px 12px; border-radius: 7px; color: var(--ink); text-decoration: none; font-size: 1rem; }
.nav-sub a:hover { background: var(--answer-bg); color: var(--navy); }
[aria-current="page"] { font-weight: 700; }

@media (max-width: 1023px) {
  .brand-name { font-size: 1.15rem; }
  .menu-btn { display: inline-flex; align-items: center; gap: 10px; font: 600 1rem var(--sans); color: var(--navy); background: var(--paper); border: 2px solid var(--navy); border-radius: 8px; padding: 9px 14px; cursor: pointer; }
  .menu-icon, .menu-icon::before, .menu-icon::after { display: block; width: 18px; height: 2px; background: currentColor; position: relative; }
  .menu-icon::before, .menu-icon::after { content: ""; position: absolute; left: 0; }
  .menu-icon::before { top: -6px; } .menu-icon::after { top: 6px; }
  .primary-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--paper); border-bottom: 1px solid var(--line); box-shadow: 0 16px 30px rgba(22, 50, 79, .12); max-height: calc(100vh - 76px); overflow-y: auto; }
  .menu-open .primary-nav { display: block; }
  .nav-list { flex-direction: column; align-items: stretch; padding: 8px 20px 20px; gap: 0; }
  .nav-item { border-bottom: 1px solid var(--line); padding: 6px 0; }
  .nav-top { padding: 10px 0; font-size: 1.1rem; }
  .has-kids > .nav-top::after { display: none; }
  .nav-sub { display: block; position: static; box-shadow: none; border: 0; padding: 0 0 6px 12px; min-width: 0; }
  .nav-sub a { padding: 8px 0; }
}

/* ---------- Article ---------- */
.article { max-width: calc(var(--read) + 40px); padding-top: 24px; padding-bottom: 56px; }
.breadcrumb ol { list-style: none; margin: 0 0 18px; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; font-size: .92rem; color: var(--muted); }
.breadcrumb li + li::before { content: "›"; margin-right: 6px; color: var(--muted); }
.breadcrumb a { color: var(--muted); }
.article-head { margin-bottom: 22px; }
.byline { margin: 0; color: var(--muted); font-size: .95rem; display: flex; flex-wrap: wrap; gap: 4px 8px; }
.byline a { color: var(--muted); }

.answer-box { background: var(--answer-bg); border-left: 5px solid var(--navy); border-radius: 0 var(--radius) var(--radius) 0; padding: 18px 22px; margin: 0 0 28px; }
.answer-box p { margin: 0; font-size: 1.08rem; }
.answer-box .answer-label { font: 700 .82rem var(--sans); text-transform: uppercase; letter-spacing: .08em; color: var(--navy); margin-bottom: 6px; }

.prose > *:first-child { margin-top: 0; }
.prose p, .prose ul, .prose ol { margin: 0 0 1.1rem; }
.prose li { margin-bottom: .45rem; }
.prose li > ul, .prose li > ol { margin-top: .45rem; }
.prose strong { color: var(--navy); }
.prose blockquote { margin: 1.4rem 0; padding: 4px 0 4px 20px; border-left: 4px solid var(--gold); color: var(--muted); }
.note { background: var(--note-bg); border: 1px solid #ead9ad; border-left: 5px solid var(--gold); border-radius: 0 var(--radius) var(--radius) 0; padding: 16px 20px; margin: 1.6rem 0; }
.note p:last-child { margin-bottom: 0; }

.table-wrap { overflow-x: auto; margin: 1.4rem 0 1.6rem; border: 1px solid var(--line); border-radius: var(--radius); background: var(--paper); -webkit-overflow-scrolling: touch; }
.prose table { border-collapse: collapse; width: 100%; font-size: .97rem; min-width: 520px; }
.prose th, .prose td { text-align: left; vertical-align: top; padding: 11px 14px; border-bottom: 1px solid var(--line); }
.prose thead th { background: var(--navy); color: #fff; font-weight: 600; }
.prose tbody tr:nth-child(even) { background: #f6f4ef; }
.prose tbody tr:last-child td { border-bottom: 0; }

.disclosure-bar { background: var(--gold-soft); border: 1px solid #e6d3a3; border-radius: 8px; padding: 10px 14px; font-size: .95rem; margin: 0 0 22px; }
.past-performance { font-size: .95rem; color: var(--muted); font-style: italic; margin: 1.4rem 0; }

.before-sign { background: var(--green-bg); border: 1px solid #c9dfd1; border-radius: var(--radius); padding: 20px 24px; margin: 2.4rem 0; }
.before-sign h2 { margin: 0 0 .6rem; font-size: 1.35rem; color: var(--green); }
.before-sign ul { margin: 0 0 .8rem; padding-left: 1.2rem; }
.before-sign li { margin-bottom: .4rem; }
.before-sign p { margin: 0; font-weight: 600; }

.sources ol { padding-left: 1.4rem; font-size: .95rem; }
.sources li { margin-bottom: .45rem; overflow-wrap: anywhere; }
.faq { border-top: 1px solid var(--line); padding: 4px 0 2px; }
.faq h3 { font-size: 1.15rem; margin: 1rem 0 .4rem; }
.faq p { margin: 0 0 1rem; }

.card-grid { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.card a { display: flex; flex-direction: column; gap: 6px; height: 100%; padding: 18px 20px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); transition: border-color .15s, box-shadow .15s; }
.card a:hover { border-color: var(--navy-2); box-shadow: 0 6px 18px rgba(22, 50, 79, .1); }
.card-title { font-family: var(--serif); font-weight: 700; color: var(--navy); font-size: 1.12rem; line-height: 1.3; }
.card-text { font-size: .93rem; color: var(--muted); line-height: 1.5; }

.page-disclaimer { margin-top: 2.4rem; padding-top: 18px; border-top: 1px solid var(--line); font-size: .9rem; color: var(--muted); }

/* ---------- Home ---------- */
.hero { background: var(--navy); color: #fff; padding: 64px 0 72px; }
.hero h1 { color: #fff; max-width: 820px; font-size: clamp(2.1rem, 5vw, 3.1rem); }
.hero p { max-width: 680px; font-size: 1.18rem; color: #dce6f1; margin: 0 0 1.6rem; }
/* Home hero background video (same setup as the Ascent site) */
.hero-has-video { position: relative; overflow: hidden; background: var(--navy) url(/images/hero-walk-mobile.jpg) center / cover no-repeat; }
.hero-video-bg { position: absolute; inset: 0; overflow: hidden; pointer-events: none; z-index: 0; }
.hero-video-bg video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 70% center; }
.hero-overlay { position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(90deg, rgba(22, 50, 79, .92) 0%, rgba(22, 50, 79, .80) 45%, rgba(22, 50, 79, .45) 100%); }
.hero-content { position: relative; z-index: 2; }
@media (max-width: 879px) {
  .hero-overlay { background: rgba(22, 50, 79, .84); }
}
.hero .eyebrow { color: #e2c27a; font: 700 .85rem var(--sans); letter-spacing: .1em; text-transform: uppercase; margin-bottom: .8rem; }
.btn { display: inline-block; padding: 14px 22px; border-radius: 8px; font-weight: 700; text-decoration: none; font-size: 1.05rem; }
.btn-gold { background: #e2c27a; color: var(--navy); }
.btn-gold:hover { background: #ecd29b; color: var(--navy); }
.btn-line { border: 2px solid #9fb6cf; color: #fff; margin-left: 8px; }
.btn-line:hover { border-color: #fff; color: #fff; }

.paths { margin-top: -40px; position: relative; z-index: 3; }
.path-grid { list-style: none; margin: 0; padding: 0; display: grid; gap: 18px; grid-template-columns: repeat(3, 1fr); }
.path a { display: block; height: 100%; background: var(--paper); border: 1px solid var(--line); border-top: 5px solid var(--gold); border-radius: var(--radius); padding: 24px; text-decoration: none; color: var(--ink); box-shadow: 0 10px 28px rgba(22, 50, 79, .08); }
.path a:hover { border-color: var(--navy-2); border-top-color: var(--gold); }
.path h2 { margin: 0 0 .5rem; font-size: 1.4rem; }
.path p { margin: 0 0 .8rem; color: var(--muted); font-size: 1rem; }
.path .more { font-weight: 700; color: var(--link); }

.home-section { padding: 56px 0 0; }
.home-section > .wrap > h2 { margin-top: 0; }
.start-list { counter-reset: s; list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; grid-template-columns: repeat(2, 1fr); }
.start-list li { counter-increment: s; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px 16px 62px; position: relative; }
.start-list li::before { content: counter(s); position: absolute; left: 18px; top: 15px; width: 30px; height: 30px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; display: grid; place-items: center; font-size: .95rem; }
.start-list a { font-weight: 700; }
.start-list span { display: block; color: var(--muted); font-size: .95rem; }
.trust { margin: 56px 0 64px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: grid; gap: 24px; grid-template-columns: repeat(3, 1fr); }
.trust h3 { margin: 0 0 .4rem; }
.trust p { margin: 0; font-size: 1rem; color: var(--muted); }
.balance-note { max-width: 820px; }

@media (max-width: 899px) {
  .path-grid, .start-list, .trust { grid-template-columns: 1fr; }
  .hero { padding: 44px 0 64px; }
  .btn-line { margin: 10px 0 0; }
}

/* ---------- Contact form ---------- */
.form { display: grid; gap: 16px; max-width: 560px; margin: 1.2rem 0 2rem; }
.form label { font-weight: 600; display: block; margin-bottom: 6px; }
.form input, .form textarea { width: 100%; font: inherit; padding: 12px 14px; border: 2px solid #b9b4a8; border-radius: 8px; background: var(--paper); color: var(--ink); }
.form input:focus, .form textarea:focus { border-color: var(--navy); outline: none; }
.form button { justify-self: start; font: 700 1.05rem var(--sans); background: var(--navy); color: #fff; border: 0; border-radius: 8px; padding: 14px 24px; cursor: pointer; }
.form button:hover { background: var(--navy-2); }
.form .hp { display: none; }
.form-privacy { font-size: .95rem; color: var(--muted); }

.about-photo { float: right; width: 180px; margin: 0 0 16px 24px; border-radius: var(--radius); }
@media (max-width: 600px) { .about-photo { float: none; display: block; margin: 0 0 16px; } }

.sitemap-list h2 { font-size: 1.4rem; }
.sitemap-list ul { padding-left: 1.2rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #d5dfea; padding: 44px 0 30px; font-size: .95rem; }
.site-footer a { color: #fff; }
.footer-top { display: grid; grid-template-columns: 1.3fr 1fr; gap: 32px; }
.footer-brand { font-family: var(--serif); font-weight: 700; font-size: 1.25rem; color: #fff; margin: 0 0 .4rem; }
.footer-about p { margin: 0 0 .6rem; }
.footer-nav ul { list-style: none; margin: 0; padding: 0; columns: 2; column-gap: 24px; }
.footer-nav li { margin-bottom: .55rem; }
.footer-disclaimer { border-top: 1px solid rgba(255,255,255,.18); margin: 28px 0 0; padding-top: 20px; font-size: .9rem; }
.footer-copy { font-size: .88rem; margin: .8rem 0 0; color: #b7c6d6; }
@media (max-width: 700px) { .footer-top { grid-template-columns: 1fr; } }

/* ---------- Print (questions checklist, guides) ---------- */
@media print {
  body { background: #fff; font-size: 12pt; }
  .site-header, .site-footer, .related, .breadcrumb, .before-sign, .skip-link { display: none !important; }
  .article { max-width: none; padding: 0; }
  a { color: #000; text-decoration: none; }
  .answer-box, .note { border-color: #999; background: #f4f4f4; }
  h2, h3 { break-after: avoid; }
}