/* IT Retirement Planning — shared styles
   Brand tokens (Fane Financial Services):
   navy   #00072B  primary text / header
   sky    #18B6ED  accent / links / CTA
   teal   #2F5C70  secondary accent
   silver #C1CED4  dividers / muted backgrounds
   white  #FFFFFF
*/

@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700&family=Source+Serif+4:opsz,wght@8..60,400;8..60,500&display=swap');

:root {
  --navy: #00072B;
  --sky: #18B6ED;
  --teal: #2F5C70;
  --silver: #C1CED4;
  --white: #FFFFFF;
  --max-width: 720px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Source Serif 4', Georgia, serif;
  color: var(--navy);
  background: var(--white);
  line-height: 1.65;
  font-size: 1.08rem;
}

h1, h2, h3, .brand, nav a, .pillar-label, button, .btn {
  font-family: 'Montserrat', -apple-system, sans-serif;
}

h1, h2, h3 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: 2.4rem; letter-spacing: -0.01em; }
h2 { font-size: 1.6rem; margin-top: 2.4em; }
h3 { font-size: 1.15rem; }

a { color: var(--teal); text-decoration: underline; text-decoration-color: var(--silver); }
a:hover { color: var(--sky); }

.wrap { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.wide { max-width: 960px; margin: 0 auto; padding: 0 24px; }

header.site-header {
  border-bottom: 1px solid var(--silver);
  padding: 20px 0;
}

header.site-header .wide {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
  text-decoration: none;
}

.brand span { color: var(--sky); }

nav a {
  margin-left: 22px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
}

nav a:hover { color: var(--sky); }

.hero {
  padding: 64px 0 40px;
  border-bottom: 4px solid var(--sky);
}

.hero p.lede {
  font-size: 1.25rem;
  color: var(--teal);
  max-width: 60ch;
}

.pillars {
  padding: 48px 0;
  display: grid;
  gap: 28px;
}

.pillar {
  border: 1px solid var(--silver);
  border-left: 4px solid var(--teal);
  padding: 24px 28px;
}

.pillar-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--teal);
  margin: 0 0 6px;
}

.pillar h3 { margin: 0 0 8px; font-size: 1.3rem; }
.pillar p { margin: 0 0 12px; }

.pillar a.read-more { font-weight: 500; text-decoration: none; }
.pillar a.read-more:after { content: " \2192"; }

article.wrap { padding: 48px 0 24px; }

article .standfirst {
  font-size: 1.2rem;
  color: var(--teal);
  font-family: 'Source Serif 4', serif;
  border-bottom: 1px solid var(--silver);
  padding-bottom: 28px;
  margin-bottom: 8px;
}

.note-box {
  background: #F4F8FA;
  border: 1px solid var(--silver);
  padding: 18px 22px;
  margin: 28px 0;
  font-size: 0.98rem;
}

.note-box strong { color: var(--teal); }

footer.site-footer {
  background: var(--navy);
  color: var(--silver);
  margin-top: 64px;
  padding: 40px 0 32px;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
}

footer.site-footer .wide { }
footer.site-footer a { color: var(--sky); text-decoration: none; }
footer.site-footer p { margin: 0 0 10px; max-width: 680px; }
footer.site-footer .fca { color: var(--silver); opacity: 0.85; }

.cta-band {
  background: var(--teal);
  color: var(--white);
  padding: 40px 0;
  margin-top: 40px;
  text-align: left;
}

.cta-band .wide { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: var(--white); margin: 0; font-size: 1.4rem; }
.cta-band p { margin: 6px 0 0; color: var(--silver); font-family: 'Source Serif 4', serif; }

.btn {
  display: inline-block;
  background: var(--sky);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 24px;
  border-radius: 2px;
  text-decoration: none;
  white-space: nowrap;
}

.btn:hover { background: var(--white); }

form.contact-form {
  display: grid;
  gap: 16px;
  max-width: 480px;
}

form.contact-form label {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--teal);
  display: block;
  margin-bottom: 6px;
}

form.contact-form input,
form.contact-form textarea,
form.contact-form select {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--silver);
  font-family: 'Source Serif 4', serif;
  font-size: 1rem;
  color: var(--navy);
}

form.contact-form button {
  justify-self: start;
  border: none;
  cursor: pointer;
}

@media (max-width: 600px) {
  h1 { font-size: 1.9rem; }
  .hero { padding: 44px 0 32px; }
  header.site-header .wide { flex-direction: column; align-items: flex-start; gap: 12px; }
  nav a { margin-left: 0; margin-right: 18px; }
  .cta-band .wide { flex-direction: column; align-items: flex-start; }
}