/* ============================================================
   SOVEREIGN LIFE GROUP · shared styles · PREMIUM (matches homepage)
   Royal #1E3A8A · Gold #C9A24B · Cream #F5EEE1
============================================================ */
:root{
  --royal:#1E3A8A; --royal-deep:#152C68; --royal-ink:#0E1A38; --royal-bright:#2B4FB0;
  --gold:#C9A24B; --gold-2:#A8853A; --gold-lt:#E4C883;
  --cream:#F5EEE1; --bone:#EADFC8;
  --ink:#0E1A38; --muted:#3a4f78;
  --rule:#1E3A8A22;
  --serif:'Cormorant Garamond',Georgia,serif;
  --display:'Anton',Impact,sans-serif;
  --roman:'Cinzel',Georgia,serif;
  --sans:'Inter',ui-sans-serif,system-ui,sans-serif;
  --ease:cubic-bezier(.22,1,.36,1);
}
*{box-sizing:border-box;-webkit-tap-highlight-color:transparent}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px}
.eyebrow{font-size:11px;letter-spacing:.32em;text-transform:uppercase;font-weight:600;color:var(--gold-2);display:flex;align-items:center;gap:14px;margin-bottom:22px}
.eyebrow::before{content:"";width:30px;height:1px;background:var(--gold)}
.eyebrow.center{justify-content:center}
.eyebrow.center::after{content:"";width:30px;height:1px;background:var(--gold)}
.h-display{font-family:var(--display);text-transform:uppercase;line-height:.92;letter-spacing:.005em;font-weight:400;margin:0}
.h-serif{font-family:var(--serif);font-weight:500;line-height:1.08;font-size:clamp(32px,4vw,52px);margin:0 0 18px;color:var(--royal)}
.h-serif em{font-style:italic;color:var(--gold-2)}
.lede{font-family:var(--serif);font-style:italic;font-size:clamp(19px,2vw,26px);line-height:1.45;color:var(--royal);max-width:62ch}
.gold{color:var(--gold)}
section{padding:104px 0;border-bottom:1px solid var(--rule);position:relative}
section.bone,section.dark{background:var(--bone)}
section.deep{background:var(--cream)}
.dark .h-serif,.deep .h-serif{color:var(--royal)} .dark .h-serif em,.deep .h-serif em{color:var(--gold-2)}
.dark .lede,.deep .lede{color:var(--royal)}
.dark .eyebrow,.deep .eyebrow{color:var(--gold-2)}

/* ---------- buttons (shimmer + lift) ---------- */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--sans);font-weight:600;font-size:16px;letter-spacing:.02em;padding:16px 30px;border:1.5px solid var(--royal);background:var(--royal);color:var(--cream);cursor:pointer;transition:transform .25s var(--ease),background .2s,color .2s,border-color .2s,box-shadow .3s;border-radius:3px;overflow:hidden}
.btn::after{content:"";position:absolute;top:0;left:-120%;width:60%;height:100%;background:linear-gradient(100deg,transparent,#ffffff4d,transparent);transform:skewX(-20deg);transition:left .6s var(--ease)}
.btn:hover::after{left:140%}
.btn:hover{background:var(--royal-deep);box-shadow:0 12px 30px #1e3a8a3d}
.btn:active{transform:translateY(1px)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--royal-ink)}
.btn.gold:hover{background:var(--gold-2);box-shadow:0 12px 32px #c9a24b66}
.btn.ghost{background:transparent;color:var(--royal);border-color:var(--royal)}
.btn.ghost:hover{background:var(--royal);color:var(--cream)}
.dark .btn.ghost,.deep .btn.ghost{color:var(--royal);border-color:var(--royal)}
.dark .btn.ghost:hover,.deep .btn.ghost:hover{background:var(--royal);color:var(--cream);border-color:var(--royal)}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}

/* ---------- header / nav (solid, matches homepage scrolled state) ---------- */
.nav{position:sticky;top:0;z-index:50;background:rgba(14,26,56,.92);backdrop-filter:blur(10px);border-bottom:1px solid #ffffff1a}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand .bar{width:2px;height:38px;background:var(--gold)}
.brand .wm .s{display:block;font-family:var(--roman);font-weight:600;font-size:17px;letter-spacing:.16em;color:var(--cream);line-height:1}
.brand .wm .l{display:block;font-family:var(--roman);font-weight:600;font-size:8px;letter-spacing:.34em;color:var(--gold);margin-top:3px}
.navlinks{display:flex;align-items:center;gap:28px}
.navlinks a{position:relative;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:#dfe5f5;font-weight:500}
.navlinks a:not(.btn)::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:1.5px;background:var(--gold);transition:width .3s var(--ease)}
.navlinks a:not(.btn):hover::after,.navlinks a.active::after{width:100%}
.navlinks a:hover,.navlinks a.active{color:var(--gold)}
.navlinks .btn{padding:11px 20px;font-size:13px}
.navlinks .btn.navghost{color:var(--cream);border-color:#ffffff55;background:transparent}
.navlinks .btn.navghost::after{display:none}
.navlinks .btn.navghost:hover{background:var(--cream);color:var(--royal-ink);border-color:var(--cream)}
.navtoggle{display:none;background:none;border:0;color:var(--cream);cursor:pointer}
@media (max-width:920px){
  .navlinks{display:none;position:absolute;top:74px;left:0;right:0;background:var(--royal-ink);flex-direction:column;align-items:flex-start;gap:0;padding:8px 32px 20px}
  .navlinks.open{display:flex}
  .navlinks a{padding:14px 0;width:100%;border-bottom:1px solid #ffffff14}
  .navlinks .btn{margin-top:14px;width:100%}
  .navtoggle{display:block}
}

/* ---------- hero (cinematic dark full-bleed, centered) ---------- */
.hero{position:relative;min-height:62vh;display:flex;align-items:center;background:var(--royal-ink);color:var(--cream);overflow:hidden;border-bottom:1px solid var(--rule)}
.hero .photo{position:absolute;inset:0;width:100%;background-size:cover;background-position:center 28%;transform:scale(1.08);animation:kenburns 16s var(--ease) forwards}
@keyframes kenburns{from{transform:scale(1.08)}to{transform:scale(1)}}
.hero .photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(14,26,56,.66) 0%,rgba(14,26,56,.72) 100%),radial-gradient(135% 105% at 50% 38%,transparent 34%,rgba(14,26,56,.6) 100%)}
.hero .inner{position:relative;z-index:2;max-width:880px;margin:0 auto;text-align:center;padding:120px 0 96px}
.hero .eyebrow{justify-content:center;color:var(--gold-lt)}
.hero .eyebrow::before,.hero .eyebrow::after{content:"";width:30px;height:1px;background:var(--gold-lt)}
.hero .eyebrow::after{display:inline-block}
.hero h1{font-family:var(--display);text-transform:uppercase;font-size:clamp(44px,6vw,86px);line-height:.9;margin:0 0 22px;color:var(--cream);text-shadow:0 2px 30px rgba(14,26,56,.5)}
.hero h1 .gold{color:var(--gold-lt)}
.hero p.sub{font-family:var(--serif);font-style:italic;font-size:clamp(20px,2.1vw,27px);color:#e7ecf8;max-width:50ch;margin:0 auto}
.hero .prods{margin-top:22px;font-size:13px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-lt);font-weight:600}
.hero .btn-row{justify-content:center}
.hero .btn.ghost{color:var(--cream);border-color:#ffffff66}
.hero .btn.ghost:hover{background:var(--cream);color:var(--royal-ink);border-color:var(--cream)}
@media (max-width:860px){.hero{min-height:auto}.hero .inner{padding:96px 0 72px}}

/* ---------- trust strip ---------- */
.trust{background:var(--royal-deep);color:var(--cream);padding:34px 0}
.trust .wrap{display:flex;justify-content:center;gap:54px;flex-wrap:wrap;text-align:center}
.trust .item{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:#cdd6ef}
.trust .item b{display:block;font-family:var(--display);font-size:38px;letter-spacing:0;color:var(--gold);margin-bottom:4px}

/* ---------- cards (white, hover lift) ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:48px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:46px;align-items:center;margin-top:46px}
.card{background:#fff;border:1px solid var(--rule);padding:36px 32px;border-radius:8px;box-shadow:0 2px 16px #1e3a8a0d;transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.card:hover{transform:translateY(-5px);box-shadow:0 22px 44px #1e3a8a1f}
.card .ic{width:52px;height:52px;display:flex;align-items:center;justify-content:center;background:#1e3a8a0f;border-radius:9px;margin-bottom:20px}
.card .ic svg{width:26px;height:26px;stroke:var(--royal);fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-family:var(--serif);font-weight:600;font-size:24px;color:var(--royal);margin:0 0 8px}
.card p{margin:0;color:var(--muted);font-size:16px;line-height:1.6}
@media (max-width:860px){.grid-3{grid-template-columns:1fr}.grid-2{grid-template-columns:1fr}}

/* ---------- steps (white card + big number) ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:50px}
.step{position:relative;padding:36px 30px 32px;background:#fff;border:1px solid var(--rule);border-radius:8px;box-shadow:0 2px 14px #1e3a8a0d}
.step .n{font-family:var(--display);font-size:44px;color:var(--gold);line-height:1;display:block;margin-bottom:12px}
.step h4{font-family:var(--serif);font-weight:600;font-size:23px;color:var(--royal);margin:0 0 7px}
.step p{margin:0;color:var(--muted);font-size:15.5px}
@media (max-width:860px){.steps{grid-template-columns:1fr}}

/* ---------- media ---------- */
.media{border-radius:12px;overflow:hidden;box-shadow:0 18px 48px -18px #0E1A3866}
.media img{width:100%;height:100%;object-fit:cover;transition:transform .9s var(--ease)}
.media:hover img{transform:scale(1.04)}

/* ---------- stamp ---------- */
.stamp{display:inline-block;font-family:var(--roman);font-weight:700;letter-spacing:.2em;text-transform:uppercase;font-size:12px;color:var(--gold);border:1px solid #ffffff2e;border-radius:999px;padding:9px 20px}

/* ---------- FAQ (white rounded cards) ---------- */
.faq{margin-top:42px}
.faq details{background:#fff;border:1px solid var(--rule);border-radius:9px;padding:0 26px;margin-bottom:14px;transition:box-shadow .25s var(--ease)}
.faq details[open]{box-shadow:0 12px 30px #1e3a8a16}
.faq summary{font-family:var(--serif);font-size:21px;color:var(--royal);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:22px 0}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--sans);font-size:26px;font-weight:300;color:var(--gold-2);transition:transform .25s var(--ease)}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0;padding:0 0 22px;color:var(--muted);font-size:16px;line-height:1.6}

/* ---------- CTA band ---------- */
.cta{background:var(--royal-ink);color:var(--cream);text-align:center;border-bottom:0}
.cta .stamp{margin-bottom:24px}
.cta h2{font-family:var(--display);text-transform:uppercase;font-size:clamp(36px,5vw,64px);line-height:.95;margin:0 0 16px;color:var(--cream)}
.cta h2 .gold{color:var(--gold)}
.cta p{color:#c7d0e8;max-width:50ch;margin:0 auto;font-family:var(--serif);font-style:italic;font-size:clamp(19px,2vw,23px)}
.cta .btn.ghost{color:var(--cream);border-color:#ffffff66}
.cta .btn.ghost:hover{background:var(--cream);color:var(--royal-ink);border-color:var(--cream)}

/* ---------- footer (4-col, matches homepage) ---------- */
.footer{background:#0a142e;color:#c7d0e8;padding:72px 0 34px;font-size:15px}
.footer .top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px;padding-bottom:34px;border-bottom:1px solid #ffffff1a}
.footer .brand .wm .s{color:var(--cream)}
.footer h5{font-family:var(--roman);font-weight:700;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin:0 0 16px}
.footer a{display:block;color:#c7d0e8;font-size:15px;padding:5px 0;transition:color .15s,transform .15s}
.footer a:hover{color:var(--gold);transform:translateX(3px)}
.footer .compliance{font-size:12px;line-height:1.7;color:#8ea0c4;margin-top:26px;max-width:none}
.footer .legal{margin-top:18px;font-size:12px;letter-spacing:.04em;color:#8ea0c4;display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px}
@media (max-width:860px){.footer .top{grid-template-columns:1fr 1fr;gap:28px}}
@media (max-width:560px){.footer .top{grid-template-columns:1fr}}

@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.hero .photo{transform:scale(1)!important}}