/* ═══════════════════════════════════════════════
   ImpartialAnnuity.com — Shared Stylesheet
   ═══════════════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --green:       #7ab63e;
  --dark-green:  #5a8c28;
  --text-dark:   #2d2d2d;
  --text-mid:    #555;
  --text-light:  #888;
  --border:      #dde0d8;
  --bg-light:    #f4faea;
  --white:       #fff;
  --adv-bg:      #fff8e1;
  --adv-text:    #7a5c00;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  font-size: 15px;
  line-height: 1.65;
  color: var(--text-dark);
  background: var(--white);
  overflow-x: hidden; /* horizontal scroll বন্ধ */
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; }

/* ── ADVERTORIAL BAR ── */
.adv-bar {
  background: var(--adv-bg);
  border-bottom: 1px solid #e8d080;
  text-align: center;
  padding: 6px 16px;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--adv-text);
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

/* ── SITE HEADER ── */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
}
.site-header .inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

/* logo */
.site-logo {
  display: flex;
  align-items: center;
  gap: 9px;
  flex-shrink: 0;
  text-decoration: none;
}
.logo-icon {
  width: 40px;
  height: 40px;
  background: var(--green);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-icon svg { width: 26px; height: 26px; fill: white; }
.logo-text-wrap { display: flex; flex-direction: column; line-height: 1.15; }
.logo-text-top {
  font-size: 16px;
  font-weight: 800;
  color: var(--green);
  letter-spacing: -0.3px;
}
.logo-text-bot {
  font-size: 12px;
  font-weight: 600;
  color: var(--text-mid);
  letter-spacing: 0.2px;
}

/* main nav */
.main-nav { flex: 1; }
.main-nav ul {
  list-style: none;
  display: flex;
  justify-content: center;
  gap: 4px;
}
.main-nav ul li a {
  display: block;
  padding: 8px 13px;
  font-size: 13.5px;
  color: var(--text-dark);
  border-radius: 4px;
  white-space: nowrap;
  transition: color 0.15s;
}
.main-nav ul li a:hover { color: var(--green); }

/* CTA header button */
.btn-header-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--green);
  color: var(--white);
  padding: 9px 18px;
  border-radius: 22px;
  font-size: 13px;
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 0.2s;
}
.btn-header-cta:hover { background: var(--dark-green); color: var(--white); }
.btn-header-cta svg { width: 15px; height: 15px; fill: white; }

/* ── SUB-NAV TABS ── */
.sub-nav {
  background: var(--white);
  border-bottom: 2px solid var(--border);
}
.sub-nav .inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}
.sub-nav ul {
  list-style: none;
  display: flex;
  gap: 0;
  overflow-x: auto;
}
.sub-nav ul li a {
  display: block;
  padding: 11px 18px;
  font-size: 13px;
  color: var(--text-mid);
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  white-space: nowrap;
  transition: color 0.15s;
}
.sub-nav ul li a:hover { color: var(--green); }
.sub-nav ul li.active a {
  color: var(--text-dark);
  border-bottom-color: var(--text-dark);
  font-weight: 700;
}

/* ── HERO ── */
.hero-wrap {
  position: relative;
  background: url(./images/hero-img-in.png) no-repeat center center;
  min-height: 860px;
  padding: 54px 0 100px;
}
.hero {
  /* intentionally empty — bg moved to .hero-wrap */
  position: relative;
}
.hero .inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 2;
  top: 90px;
}
.hero-tag {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: rgba(255,255,255,0.72);
  margin-bottom: 18px;
}
.hero h1 {
  color: var(--white);
  font-size: 40px;
  font-weight: 800;
  line-height: 1.20;
  max-width: 530px;
  margin-bottom: 28px;
}
.hero-phone-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 5px;
}
.hero-heart svg { width: 32px; height: 32px; }
.hero-phone-num {
  color: var(--white);
  font-size: 32px;
  font-weight: 800;
  letter-spacing: 0.5px;
}
.hero-hours {
  color: rgba(255,255,255,0.82);
  font-size: 13px;
  padding-left: 42px;
  margin-bottom: 34px;
}
.btn-hero {
  display: inline-block;
  border: 2px solid var(--white);
  color: var(--white);
  background: rgba(255,255,255,0.08);
  padding: 14px 32px;
  border-radius: 50px;
  font-size: 14.5px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s;
  letter-spacing: 0.1px;
}
.btn-hero:hover { background: var(--white); color: var(--text-dark); }


/* ── OLD curve class (no longer used) ── */
.hero-curve {
  position: absolute;
  bottom: -1px;
  left: 50%;
  transform: translateX(-50%);
  width: 130%;
  height: 90px;
  background: var(--white);
  border-radius: 50% 50% 0 0 / 100% 100% 0 0;
  z-index: 3;
}

/* ── ARTICLE META (author/date bar) ── */
.article-meta {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 10px 0;
}
.article-meta .inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.meta-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 12.5px;
  color: var(--text-light);
}
.meta-item svg { width: 14px; height: 14px; fill: var(--green); }
.meta-item strong { color: var(--text-mid); }

/* ── INNER CONTENT SECTIONS ── */
.section-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── HOW IT WORKS ── */
.how-works {
  background: var(--white);
  padding: 66px 0 56px;
}
.how-works .grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 68px;
  align-items: center;
}
.sec-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: var(--green);
  font-weight: 700;
  margin-bottom: 13px;
}
.sec-h2 {
  color: var(--green);
  font-size: 26px;
  font-weight: 700;
  line-height: 1.35;
  margin-bottom: 22px;
}
/* stick figure illustration */
.illus-row {
  display: flex;
  align-items: flex-end;
  gap: 16px;
  margin-top: 8px;
}
.sf { display: flex; flex-direction: column; align-items: center; }
.sf-head {
  width: 26px; height: 26px;
  border: 2.5px solid var(--green);
  border-radius: 50%;
}
.sf-body-wrap { position: relative; display: flex; flex-direction: column; align-items: center; }
.sf-arm-bar {
  width: 44px; height: 2px;
  background: var(--green);
  margin-top: 10px;
}
.sf-torso { width: 2px; height: 30px; background: var(--green); margin-top: 0; }
.sf-legs { display: flex; gap: 8px; }
.sf-leg { width: 2px; height: 26px; background: var(--green); }
.sf-leg.l { transform: rotate(12deg); }
.sf-leg.r { transform: rotate(-12deg); }
.speech-bub {
  background: #f4fae8;
  border: 1.5px solid var(--green);
  border-radius: 8px;
  padding: 7px 11px;
  font-size: 13px;
  font-weight: 700;
  color: var(--green);
  margin-bottom: 34px;
}
.pound-ring {
  width: 38px; height: 38px;
  border: 2.5px solid var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 17px; font-weight: 700;
  color: var(--green);
  margin-bottom: 4px;
}
.body-text p { font-size: 14.5px; color: var(--text-mid); margin-bottom: 16px; }
.body-text a { color: var(--green); text-decoration: underline; }

/* ── CALC PROMO ── */
.calc-promo {
  background: #edf7e0;
  padding: 62px 0;
}
.calc-promo .grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}
.promo-card {
  background: var(--white);
  border-radius: 10px;
  padding: 38px 34px;
  box-shadow: 0 2px 18px rgba(0,0,0,0.07);
}
.promo-card .sec-label { color: var(--text-light); }
.promo-card h2 {
  font-size: 24px;
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.35;
  margin-bottom: 14px;
}
.promo-card .tagline { font-size: 14px; color: var(--text-mid); font-style: italic; }
.steps-col { display: flex; flex-direction: column; gap: 14px; }
.step-row {
  background: var(--white);
  border-radius: 8px;
  padding: 15px 22px;
  display: flex; align-items: center; gap: 18px;
  box-shadow: 0 2px 10px rgba(0,0,0,0.06);
}
.step-num {
  width: 34px; height: 34px;
  border: 2px solid var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; font-weight: 700;
  color: var(--green);
  flex-shrink: 0;
}
.step-row span { font-size: 15px; color: var(--text-dark); }
.cta-center { grid-column: 1 / -1; text-align: center; margin-top: 8px; }
.btn-outline-green {
  display: inline-block;
  border: 2px solid var(--green);
  color: var(--green);
  background: var(--white);
  padding: 14px 38px;
  border-radius: 30px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.2s;
}
.btn-outline-green:hover { background: var(--green); color: var(--white); }

/* ── CONSIDER ── */
.consider {
  background: var(--white);
  padding: 66px 0;
}
.consider .grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 68px;
  align-items: start;
}
.con-illus {
  display: flex; align-items: flex-end; gap: 20px; margin-top: 10px;
}
.cl-box {
  width: 64px; height: 72px;
  border: 2.5px solid var(--green);
  border-radius: 4px;
  padding: 9px 8px;
  display: flex; flex-direction: column; gap: 6px;
}
.cl { height: 4px; background: var(--green); border-radius: 2px; width: 100%; }
.cl.s75 { width: 75%; }
.cl.s55 { width: 55%; }
.coins-wrap { display: flex; flex-direction: column; align-items: center; gap: 3px; }
.pound-sym { font-size: 20px; color: var(--green); font-weight: 700; line-height: 1; }
.coin-disk { height: 12px; background: var(--green); border-radius: 50%; }
.coin-disk:nth-child(2) { width: 44px; opacity: 0.85; }
.coin-disk:nth-child(3) { width: 36px; opacity: 0.55; }
.coin-disk:nth-child(4) { width: 26px; opacity: 0.32; }
.consider-list { list-style: none; display: flex; flex-direction: column; gap: 22px; }
.consider-list li {
  padding-left: 16px;
  border-left: 3px solid var(--green);
  font-size: 14.5px;
  color: var(--text-mid);
  line-height: 1.58;
}
.consider-list li strong { color: var(--text-dark); }

/* ── ADVISOR CTA ── */
.advisor-cta { background: #cce8d4; overflow: hidden; }
.advisor-cta .grid {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 400px 1fr;
  min-height: 400px;
}
.adv-photo {
  background: url('./images/adviser-bigshot-1008x1452.png')
    center 15% / cover no-repeat;
}
.adv-info { padding: 52px 52px 52px 46px; background: #cce8d4; }
.adv-info .sec-label { color: var(--dark-green); }
.adv-info h2 { color: var(--green); font-size: 32px; font-weight: 700; margin-bottom: 10px; }
.adv-tagline { color: var(--text-dark); font-size: 15px; margin-bottom: 24px; max-width: 340px; }
.adv-phone-row { display: flex; align-items: center; gap: 10px; margin-bottom: 6px; }
.adv-phone-num { font-size: 27px; font-weight: 800; color: var(--text-dark); letter-spacing: 0.5px; }
.adv-hours { font-size: 12px; color: #555; margin-bottom: 3px; }
.adv-note { font-size: 11px; color: #888; margin: 6px 0 18px; }
.btn-dark {
  display: inline-block;
  background: var(--text-dark);
  color: var(--white);
  padding: 12px 28px;
  border-radius: 4px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s;
}
.btn-dark:hover { background: #444; color: var(--white); }
.more-link {
  display: block; margin-top: 14px; font-size: 13px; color: var(--text-dark);
}
.more-link::before { content: '› '; }
.more-link:hover { color: var(--dark-green); }

/* ── DISCLAIMER ── */
.disclaimer {
  background: #f8f9f6;
  border-top: 2px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 28px 0;
}
.disclaimer .inner { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.disclaimer h4 {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-light);
  margin-bottom: 10px;
}
.disclaimer p {
  font-size: 12px;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 8px;
}
.disclaimer p:last-child { margin-bottom: 0; }

/* ── FOOTER LINKS BAR ── */
.footer-links-bar {
  background: #f0f2ed;
  border-top: 1px solid #ddd;
  padding: 16px 0;
}
.footer-links-bar .inner {
  max-width: 1140px; margin: 0 auto; padding: 0 24px;
  display: flex; gap: 32px; flex-wrap: wrap;
}
.footer-links-bar a { font-size: 13px; color: var(--text-mid); }
.footer-links-bar a:hover { color: var(--green); }

/* ── SITE FOOTER ── */
.site-footer {
  background: var(--white);
  border-top: 1px solid var(--border);
  padding: 24px 0 18px;
}
.site-footer .inner {
  max-width: 1140px; margin: 0 auto; padding: 0 24px;
}
.footer-top-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}
.footer-nav-group h5 {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-light);
  margin-bottom: 10px;
}
.footer-nav-group ul { list-style: none; display: flex; flex-direction: column; gap: 6px; }
.footer-nav-group ul li a { font-size: 13px; color: var(--text-mid); }
.footer-nav-group ul li a:hover { color: var(--green); }
.footer-divider { border: none; border-top: 1px solid var(--border); margin: 16px 0; }
.footer-bottom-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-copy { font-size: 12px; color: var(--text-light); }
.footer-logo-small {
  display: flex; align-items: center; gap: 7px; text-decoration: none;
}
.footer-logo-small .logo-icon { width: 30px; height: 30px; border-radius: 6px; }
.footer-logo-small .logo-icon svg { width: 20px; height: 20px; }
.footer-logo-small .logo-text-top { font-size: 13px; }
.footer-logo-small .logo-text-bot { font-size: 10px; }

/* ── FLOATING CHAT FAB ── */
.chat-fab {
  position: fixed;
  bottom: 22px; right: 22px;
  width: 50px; height: 50px;
  background: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  box-shadow: 0 4px 16px rgba(0,0,0,0.22);
  z-index: 999;
  transition: background 0.2s;
}
.chat-fab:hover { background: var(--dark-green); }
.chat-fab svg { width: 22px; height: 22px; fill: var(--white); }

/* ── INNER PAGE (policy / terms / contact) ── */
.page-hero {
  background: linear-gradient(135deg, var(--green) 0%, var(--dark-green) 100%);
  padding: 40px 0;
}
.page-hero .inner { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.page-hero h1 { color: var(--white); font-size: 30px; font-weight: 800; }
.page-hero p { color: rgba(255,255,255,0.82); font-size: 14px; margin-top: 6px; }

.page-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 48px 24px 60px;
}
.page-content h2 {
  font-size: 20px; font-weight: 700; color: var(--green); margin: 30px 0 10px;
}
.page-content h3 {
  font-size: 16px; font-weight: 700; color: var(--text-dark); margin: 22px 0 8px;
}
.page-content p { font-size: 14.5px; color: var(--text-mid); margin-bottom: 14px; line-height: 1.7; }
.page-content ul {
  margin: 10px 0 14px 20px;
}
.page-content ul li { font-size: 14.5px; color: var(--text-mid); margin-bottom: 6px; line-height: 1.65; }

/* contact form */
.contact-form { margin-top: 30px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 13px; font-weight: 700; color: var(--text-dark); margin-bottom: 6px; }
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-size: 14px;
  font-family: inherit;
  color: var(--text-dark);
  background: var(--white);
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--green);
}
.form-group textarea { height: 120px; resize: vertical; }
.btn-submit {
  background: var(--green);
  color: var(--white);
  border: none;
  padding: 13px 32px;
  border-radius: 6px;
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s;
}
.btn-submit:hover { background: var(--dark-green); }

/* ── RESPONSIVE ── */
@media (max-width: 960px) {
  .main-nav { display: none; }
  .how-works .grid,
  .calc-promo .grid,
  .consider .grid { grid-template-columns: 1fr; gap: 30px; }
  .advisor-cta .grid { grid-template-columns: 1fr; }
  .adv-photo { min-height: 260px; }
  .cta-center { grid-column: 1; }
  .hero h1 { font-size: 28px; }
}
@media (max-width: 600px) {
  .hero h1 { font-size: 23px; }
  .adv-info { padding: 28px 20px; }
  .footer-top-row { flex-direction: column; }
  .footer-bottom-row { flex-direction: column; align-items: flex-start; }
}