/* ================================================
   TROVE LIFE — Global Stylesheet
   Colors:
     Navy:   #1a2744
     Gold:   #c9a84c
     BG:     #f8f7f4
     White:  #ffffff
     Text:   #1e2a3a
     Muted:  #64748b
================================================ */

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  background: #f8f7f4;
  color: #1e2a3a;
  line-height: 1.7;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-weight: 700;
  line-height: 1.25;
  color: #1a2744;
}
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.4rem); }
h3 { font-size: clamp(1.15rem, 2.5vw, 1.4rem); }
h4 { font-size: 1.05rem; }
p  { color: #374151; }

.section-label {
  display: inline-block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #c9a84c;
  margin-bottom: .6rem;
}

/* ---------- Layout Helpers ---------- */
.container {
  width: min(1160px, 100% - 2.5rem);
  margin-inline: auto;
}

section { padding: 5rem 0; }

.text-center { text-align: center; }

.grid-2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 2rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: .85rem 2rem;
  border-radius: 6px;
  font-size: .95rem;
  font-weight: 700;
  cursor: pointer;
  transition: all .2s ease;
  border: 2px solid transparent;
  text-align: center;
}
.btn-primary {
  background: #c9a84c;
  color: #1a2744;
  border-color: #c9a84c;
}
.btn-primary:hover { background: #b8952f; border-color: #b8952f; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(201,168,76,.35); }

.btn-outline {
  background: transparent;
  color: #ffffff;
  border-color: rgba(255,255,255,.6);
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: #fff; }

.btn-navy {
  background: #1a2744;
  color: #ffffff;
  border-color: #1a2744;
}
.btn-navy:hover { background: #0f1a30; transform: translateY(-1px); box-shadow: 0 4px 14px rgba(26,39,68,.3); }

.btn-lg { padding: 1rem 2.4rem; font-size: 1.05rem; }

/* ---------- Navigation ---------- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #1a2744;
  box-shadow: 0 2px 12px rgba(0,0,0,.18);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 0;
}

.nav-logo {
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -.02em;
}
.nav-logo span { color: #c9a84c; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-links a {
  color: rgba(255,255,255,.82);
  font-size: .92rem;
  font-weight: 500;
  transition: color .18s;
}
.nav-links a:hover, .nav-links a.active { color: #c9a84c; }

.nav-cta { margin-left: .5rem; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all .25s;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, #1a2744 0%, #243458 60%, #1e3a5f 100%);
  padding: 7rem 0 6rem;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero-content { position: relative; z-index: 1; max-width: 760px; }
.hero h1 { color: #ffffff; margin-bottom: 1.25rem; }
.hero h1 span { color: #c9a84c; }
.hero p { color: rgba(255,255,255,.82); font-size: 1.15rem; margin-bottom: 2.2rem; max-width: 600px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 1rem; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(201,168,76,.15);
  border: 1px solid rgba(201,168,76,.35);
  color: #c9a84c;
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .06em;
  padding: .4rem .9rem;
  border-radius: 99px;
  margin-bottom: 1.5rem;
}

/* ---------- Section Styles ---------- */
.section-header { max-width: 680px; }
.section-header.centered { margin-inline: auto; text-align: center; }
.section-header p { margin-top: .75rem; font-size: 1.05rem; color: #64748b; }

.bg-white { background: #ffffff; }
.bg-navy { background: #1a2744; }
.bg-navy h2, .bg-navy h3, .bg-navy p, .bg-navy li { color: #e2e8f0; }
.bg-navy .section-label { color: #c9a84c; }
.bg-soft { background: #f0ede8; }

/* ---------- Cards ---------- */
.card {
  background: #ffffff;
  border-radius: 12px;
  padding: 2rem;
  box-shadow: 0 2px 12px rgba(26,39,68,.07);
  border: 1px solid #e8e4de;
  transition: transform .2s, box-shadow .2s;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(26,39,68,.12); }

.card-icon {
  width: 52px; height: 52px;
  border-radius: 10px;
  background: rgba(201,168,76,.12);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.1rem;
}

.card h3 { margin-bottom: .6rem; }
.card p { font-size: .95rem; color: #64748b; }

.product-card .card-tag {
  display: inline-block;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: .25rem .65rem;
  border-radius: 4px;
  margin-bottom: .9rem;
}
.tag-term     { background: #dbeafe; color: #1e40af; }
.tag-whole    { background: #dcfce7; color: #166534; }
.tag-iul      { background: #fef3c7; color: #92400e; }
.tag-ul       { background: #ede9fe; color: #5b21b6; }
.tag-final    { background: #fce7f3; color: #9d174d; }
.tag-employer { background: #f0fdf4; color: #14532d; }

/* ---------- Stats Strip ---------- */
.stats-strip {
  background: #1a2744;
  padding: 2.5rem 0;
}
.stats-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-around;
  gap: 2rem;
  text-align: center;
}
.stat-item .num {
  font-size: 2.2rem;
  font-weight: 800;
  color: #c9a84c;
  line-height: 1;
}
.stat-item .lbl { font-size: .85rem; color: rgba(255,255,255,.7); margin-top: .3rem; }

/* ---------- Steps (How It Works) ---------- */
.steps { counter-reset: step; }
.step-item {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  padding: 1.8rem 0;
  border-bottom: 1px solid #e8e4de;
}
.step-item:last-child { border-bottom: none; }
.step-num {
  flex-shrink: 0;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: #1a2744;
  color: #c9a84c;
  font-size: 1.2rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.step-body h3 { margin-bottom: .4rem; }
.step-body p { color: #64748b; font-size: .95rem; }

/* ---------- Who We Help ---------- */
.audience-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}
.audience-item {
  display: flex;
  align-items: center;
  gap: .85rem;
  padding: 1.1rem 1.25rem;
  background: #ffffff;
  border-radius: 8px;
  border: 1px solid #e8e4de;
  font-weight: 600;
  font-size: .92rem;
}
.audience-item .icon { font-size: 1.3rem; flex-shrink: 0; }

/* ---------- FAQ ---------- */
.faq-item {
  border-bottom: 1px solid #e8e4de;
}
.faq-btn {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.2rem 0;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 600;
  color: #1a2744;
  text-align: left;
  gap: 1rem;
}
.faq-btn .arrow {
  flex-shrink: 0;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: #1a2744;
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem;
  transition: transform .25s;
}
.faq-item.open .arrow { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease, padding .3s;
}
.faq-item.open .faq-answer { max-height: 400px; padding-bottom: 1.2rem; }
.faq-answer p { color: #64748b; font-size: .95rem; }

/* ---------- CTA Band ---------- */
.cta-band {
  background: linear-gradient(135deg, #1a2744 0%, #243458 100%);
  text-align: center;
  padding: 5rem 0;
}
.cta-band h2 { color: #ffffff; margin-bottom: .85rem; }
.cta-band p { color: rgba(255,255,255,.78); font-size: 1.05rem; margin-bottom: 2rem; max-width: 560px; margin-inline: auto; margin-bottom: 2rem; }

/* ---------- Form Page ---------- */
.form-section { padding: 4rem 0 6rem; }
.form-wrap {
  max-width: 780px;
  margin-inline: auto;
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 4px 32px rgba(26,39,68,.10);
  padding: 3rem;
  border: 1px solid #e8e4de;
}
.form-intro { margin-bottom: 2.5rem; }
.form-intro h1 { margin-bottom: .75rem; }
.form-intro p { color: #64748b; font-size: .97rem; }
.form-intro .form-note {
  margin-top: 1rem;
  padding: .85rem 1.1rem;
  background: #f8f7f4;
  border-left: 3px solid #c9a84c;
  border-radius: 0 6px 6px 0;
  font-size: .88rem;
  color: #64748b;
}

.form-section-title {
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #c9a84c;
  padding-bottom: .6rem;
  border-bottom: 2px solid #e8e4de;
  margin: 2.2rem 0 1.4rem;
}

.field-group { margin-bottom: 1.4rem; }
.field-group label {
  display: block;
  font-size: .9rem;
  font-weight: 600;
  color: #1a2744;
  margin-bottom: .45rem;
}
.field-group label .req { color: #c9a84c; margin-left: 2px; }

.field-group input[type="text"],
.field-group input[type="email"],
.field-group input[type="tel"],
.field-group input[type="date"],
.field-group input[type="number"],
.field-group select,
.field-group textarea {
  width: 100%;
  padding: .75rem 1rem;
  border: 1.5px solid #d1cdc7;
  border-radius: 7px;
  font-size: .95rem;
  color: #1e2a3a;
  background: #faf9f7;
  transition: border-color .18s, box-shadow .18s;
  font-family: inherit;
}
.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  outline: none;
  border-color: #1a2744;
  box-shadow: 0 0 0 3px rgba(26,39,68,.1);
}
.field-group input.error,
.field-group select.error { border-color: #dc2626; }
.field-error { font-size: .8rem; color: #dc2626; margin-top: .3rem; display: none; }
.field-error.visible { display: block; }

.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }

.radio-group, .check-group {
  display: flex;
  flex-direction: column;
  gap: .55rem;
  margin-top: .4rem;
}
.radio-group.inline, .check-group.inline { flex-direction: row; flex-wrap: wrap; gap: .75rem; }

.radio-group label, .check-group label {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-weight: 500;
  cursor: pointer;
  font-size: .92rem;
  color: #374151;
}
.radio-group input, .check-group input { accent-color: #1a2744; width: 16px; height: 16px; }

.consent-box {
  background: #f8f7f4;
  border: 1px solid #e8e4de;
  border-radius: 8px;
  padding: 1.25rem;
  margin: 2rem 0 1.5rem;
}
.consent-box label {
  display: flex;
  align-items: flex-start;
  gap: .8rem;
  font-size: .9rem;
  color: #374151;
  cursor: pointer;
  font-weight: 500;
}
.consent-box input { flex-shrink: 0; margin-top: 3px; accent-color: #1a2744; width: 16px; height: 16px; }
.form-disclaimer {
  font-size: .8rem;
  color: #94a3b8;
  line-height: 1.6;
  margin-bottom: 1.8rem;
}
.btn-submit {
  width: 100%;
  padding: 1.1rem;
  font-size: 1.05rem;
  border: none;
}

.success-msg {
  display: none;
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
  border-radius: 10px;
  padding: 2rem;
  text-align: center;
  margin-top: 2rem;
}
.success-msg .check-icon { font-size: 2.5rem; margin-bottom: .75rem; }
.success-msg h3 { color: #166534; margin-bottom: .5rem; }
.success-msg p { color: #4b7a5c; font-size: .95rem; }

/* ---------- Blog ---------- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 2rem;
}
.blog-card {
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid #e8e4de;
  box-shadow: 0 2px 10px rgba(26,39,68,.06);
  transition: transform .2s, box-shadow .2s;
  display: flex;
  flex-direction: column;
}
.blog-card:hover { transform: translateY(-4px); box-shadow: 0 10px 32px rgba(26,39,68,.12); }

.blog-thumb {
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3.5rem;
}
.blog-body { padding: 1.6rem; flex: 1; display: flex; flex-direction: column; }
.blog-meta { font-size: .8rem; color: #94a3b8; margin-bottom: .75rem; display: flex; gap: .75rem; flex-wrap: wrap; }
.blog-meta .category {
  background: rgba(201,168,76,.15);
  color: #92400e;
  font-weight: 700;
  padding: .2rem .55rem;
  border-radius: 4px;
}
.blog-body h3 { margin-bottom: .6rem; font-size: 1.1rem; }
.blog-body p { font-size: .9rem; color: #64748b; flex: 1; margin-bottom: 1.2rem; }
.blog-body a.read-more {
  font-size: .88rem;
  font-weight: 700;
  color: #1a2744;
  display: inline-flex;
  align-items: center;
  gap: .3rem;
}
.blog-body a.read-more:hover { color: #c9a84c; }

/* ---------- Blog Post ---------- */
.post-hero {
  background: linear-gradient(135deg, #1a2744 0%, #243458 100%);
  padding: 4.5rem 0 3.5rem;
}
.post-hero .breadcrumb { font-size: .83rem; color: rgba(255,255,255,.55); margin-bottom: 1rem; }
.post-hero .breadcrumb a { color: rgba(255,255,255,.6); }
.post-hero .breadcrumb a:hover { color: #c9a84c; }
.post-hero h1 { color: #fff; max-width: 800px; }
.post-hero .post-meta { margin-top: 1rem; font-size: .88rem; color: rgba(255,255,255,.6); display: flex; gap: 1.2rem; flex-wrap: wrap; }

.post-body {
  max-width: 780px;
  margin-inline: auto;
  padding: 3.5rem 1.25rem 5rem;
}
.post-body h2 { margin: 2.2rem 0 .8rem; }
.post-body h3 { margin: 1.8rem 0 .6rem; color: #1a2744; }
.post-body p  { margin-bottom: 1.1rem; color: #374151; }
.post-body ul, .post-body ol { margin: .6rem 0 1.2rem 1.5rem; }
.post-body li { margin-bottom: .5rem; color: #374151; font-size: .97rem; list-style: disc; }
.post-body blockquote {
  border-left: 4px solid #c9a84c;
  padding: .9rem 1.2rem;
  background: #f8f7f4;
  border-radius: 0 8px 8px 0;
  margin: 1.5rem 0;
  font-style: italic;
  color: #64748b;
}

.post-cta {
  background: linear-gradient(135deg, #1a2744 0%, #243458 100%);
  border-radius: 12px;
  padding: 2.5rem;
  text-align: center;
  margin-top: 3rem;
}
.post-cta h3 { color: #fff; margin-bottom: .6rem; }
.post-cta p  { color: rgba(255,255,255,.75); margin-bottom: 1.5rem; font-size: .95rem; }

/* ---------- Products Page ---------- */
.product-detail {
  background: #fff;
  border-radius: 12px;
  padding: 2.5rem;
  border: 1px solid #e8e4de;
  margin-bottom: 2rem;
  box-shadow: 0 2px 10px rgba(26,39,68,.05);
}
.product-detail h2 { margin-bottom: .5rem; }
.product-detail .tag { margin-bottom: 1rem; }
.product-detail p { color: #64748b; margin-bottom: 1rem; }
.product-detail ul { margin-left: 1.4rem; margin-bottom: 1rem; }
.product-detail li { list-style: disc; color: #374151; margin-bottom: .45rem; font-size: .95rem; }
.product-detail .disclaimer {
  font-size: .8rem;
  color: #94a3b8;
  border-top: 1px solid #e8e4de;
  padding-top: .9rem;
  margin-top: 1rem;
}

/* ---------- Footer ---------- */
.site-footer {
  background: #0f1a30;
  color: rgba(255,255,255,.65);
  padding: 4rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr repeat(3, 1fr);
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-brand .nav-logo { font-size: 1.4rem; margin-bottom: .85rem; }
.footer-brand p { font-size: .88rem; line-height: 1.7; max-width: 280px; }

.footer-col h4 { color: #fff; font-size: .88rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-col ul li { margin-bottom: .55rem; }
.footer-col ul li a { font-size: .88rem; transition: color .18s; }
.footer-col ul li a:hover { color: #c9a84c; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 1.5rem;
  font-size: .78rem;
  line-height: 1.7;
}
.footer-bottom p { margin-bottom: .5rem; }

/* ---------- Disclaimer Banner ---------- */
.disclaimer-banner {
  background: #f8f7f4;
  border-top: 3px solid #c9a84c;
  padding: 1.2rem 0;
  font-size: .8rem;
  color: #94a3b8;
  text-align: center;
}

/* ---------- Page Hero (inner pages) ---------- */
.page-hero {
  background: linear-gradient(135deg, #1a2744 0%, #243458 100%);
  padding: 4rem 0 3rem;
  text-align: center;
}
.page-hero h1 { color: #fff; }
.page-hero p  { color: rgba(255,255,255,.75); margin-top: .75rem; font-size: 1.05rem; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 700px) {
  .nav-links { display: none; flex-direction: column; gap: 0; position: absolute; top: 100%; left: 0; right: 0; background: #1a2744; padding: 1rem 0; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: .7rem 1.5rem; }
  .nav-toggle { display: flex; }
  .nav-inner { position: relative; }
  .field-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-wrap { padding: 1.8rem 1.2rem; }
  .hero { padding: 4.5rem 0 4rem; }
  .hero-btns { flex-direction: column; }
  .blog-grid { grid-template-columns: 1fr; }
}