/* Harpenden Equity Release — shared stylesheet
   Palette: warm blue + green, generous white space, large readable type */

:root{
  --paper:#F8FBF9;        /* soft green-white page background */
  --card:#FFFFFF;
  --ink:#17313B;          /* deep warm blue — headings & body */
  --ink-soft:#3D5560;     /* secondary text */
  --teal:#1E5D6B;         /* primary warm blue */
  --teal-deep:#153F49;
  --green:#4C7A55;        /* warm green */
  --leaf:#6FA076;
  --sage:#E7F0E7;         /* pale green tint */
  --mist:#E4EEF1;         /* pale blue tint */
  --line:#D6E2DC;
  --focus:#B4661F;
  --max:1120px;
  --radius:14px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}

body{
  font-family:'Figtree',system-ui,-apple-system,'Segoe UI',sans-serif;
  font-size:1.125rem;line-height:1.7;color:var(--ink);
  background:var(--paper);-webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:'Fraunces',Georgia,serif;font-weight:600;line-height:1.18;letter-spacing:-0.01em}
h1{font-size:clamp(2.2rem,5.5vw,3.5rem)}
h2{font-size:clamp(1.7rem,3.6vw,2.4rem)}
h3{font-size:clamp(1.2rem,2.2vw,1.45rem)}
p{margin:0 0 1.1em}
a{color:var(--teal)}
a:focus-visible,button:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 1.25rem}
.narrow{max-width:760px}
section{padding:4.5rem 0}
@media(max-width:640px){section{padding:3rem 0}}

.eyebrow{
  display:inline-block;font-size:.82rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--green);margin-bottom:.9rem;
}
.lead{font-size:1.28rem;color:var(--ink-soft);max-width:44ch}

/* Header */
header.site{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.9rem 1.25rem;max-width:var(--max);margin:0 auto}
.brand{font-family:'Fraunces',serif;font-weight:700;font-size:1.15rem;color:var(--ink);text-decoration:none;line-height:1.2}
.brand span{color:var(--green);display:block;font-family:'Figtree',sans-serif;font-weight:600;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase}
.nav-links{display:flex;gap:1.4rem;list-style:none;align-items:center}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.98rem}
.nav-links a:hover{color:var(--teal)}
.nav-links a.cta{background:var(--teal);color:#fff;padding:.6rem 1.1rem;border-radius:999px}
.nav-links a.cta:hover{background:var(--teal-deep)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:.45rem .7rem;font-size:1.1rem;cursor:pointer;color:var(--ink)}
@media(max-width:880px){
  .nav-toggle{display:block}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--card);
    flex-direction:column;align-items:stretch;padding:1rem 1.25rem;border-bottom:1px solid var(--line);gap:.2rem}
  .nav-links.open{display:flex}
  .nav-links a{display:block;padding:.7rem .25rem}
  .nav-links a.cta{text-align:center;margin-top:.5rem}
}

/* Hero */
.hero{background:linear-gradient(180deg,var(--mist) 0%,var(--paper) 100%);padding:4.5rem 0 3.5rem}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr}}
.hero h1{margin-bottom:1.1rem}
.hero h1 em{font-style:italic;color:var(--green)}
.hero .assure{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;margin-top:1.6rem;font-size:.95rem;color:var(--ink-soft)}
.hero .assure li{list-style:none;display:flex;gap:.45rem;align-items:baseline}
.hero .assure li::before{content:"✓";color:var(--green);font-weight:700}

/* Buttons */
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:700;
  padding:.85rem 1.6rem;border-radius:999px;border:none;font-size:1.05rem;cursor:pointer}
.btn:hover{background:var(--teal-deep)}
.btn.ghost{background:transparent;color:var(--teal);border:2px solid var(--teal)}
.btn.ghost:hover{background:var(--mist)}
.btn-row{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.4rem}

/* Cards & grids */
.grid{display:grid;gap:1.4rem}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c2{grid-template-columns:repeat(2,1fr)}
@media(max-width:880px){.grid.c3{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.grid.c3,.grid.c2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem}
.card h3{margin-bottom:.55rem}
.card p{margin-bottom:0;color:var(--ink-soft);font-size:1.02rem}

.tint-green{background:var(--sage)}
.tint-blue{background:var(--mist)}

/* Signature branch diagram */
.branch-wrap{margin:2.2rem auto 0;max-width:860px}
.branch-note{text-align:center;font-size:.95rem;color:var(--ink-soft);margin-top:.8rem}

/* Process steps */
.steps{counter-reset:step;display:grid;gap:1.2rem;margin-top:2rem}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.4rem 1.6rem 1.4rem 4.4rem;position:relative}
.step::before{
  counter-increment:step;content:counter(step);
  position:absolute;left:1.2rem;top:1.3rem;width:2.1rem;height:2.1rem;border-radius:50%;
  background:var(--sage);color:var(--green);font-weight:700;display:flex;align-items:center;justify-content:center;
  font-family:'Fraunces',serif;font-size:1.05rem}
.step h3{margin-bottom:.35rem}
.step p{margin:0;color:var(--ink-soft);font-size:1.02rem}

/* Myths */
.myth{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.6rem;margin-bottom:1.1rem}
.myth .m-label{font-weight:700;color:#8A4B2D;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase}
.myth .t-label{font-weight:700;color:var(--green);font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-top:.9rem;display:block}
.myth p{margin:.3rem 0 0}

/* Balance columns */
.balance{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem}
@media(max-width:760px){.balance{grid-template-columns:1fr}}
.balance .col{border-radius:var(--radius);padding:1.7rem}
.balance ul{margin:.8rem 0 0 1.2rem}
.balance li{margin-bottom:.55rem;color:var(--ink-soft)}

/* FAQ */
details.faq{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:.85rem;padding:0}
details.faq summary{cursor:pointer;font-weight:700;padding:1.1rem 1.3rem;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:baseline}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-family:'Fraunces',serif;font-size:1.4rem;color:var(--green)}
details.faq[open] summary::after{content:"–"}
details.faq .a{padding:0 1.3rem 1.2rem;color:var(--ink-soft)}

/* CTA band */
.cta-band{background:var(--teal-deep);color:#fff;text-align:center;border-radius:0}
.cta-band h2{color:#fff}
.cta-band p{color:#CFE3E0;max-width:56ch;margin:.8rem auto 0}
.cta-band .btn{background:#fff;color:var(--teal-deep);margin-top:1.6rem}
.cta-band .btn:hover{background:var(--sage)}
.cta-band .sub{font-size:.95rem;margin-top:1rem;color:#A9C9C4}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem}
@media(max-width:760px){.contact-grid{grid-template-columns:1fr}}
form .field{margin-bottom:1.1rem}
label{display:block;font-weight:700;margin-bottom:.35rem;font-size:.98rem}
input,textarea,select{width:100%;padding:.8rem .9rem;font:inherit;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,textarea:focus,select:focus{outline:3px solid var(--focus);outline-offset:1px}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.92rem;color:var(--ink-soft)}
.consent input{width:auto;margin-top:.3rem}

/* Footer */
footer.site{background:var(--ink);color:#C4D4D0;padding:3.2rem 0 2.4rem;font-size:.92rem;line-height:1.65}
footer.site a{color:#DCE9E4}
footer .f-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:2rem;margin-bottom:2rem}
@media(max-width:760px){footer .f-grid{grid-template-columns:1fr}}
footer h3{color:#fff;font-size:1.05rem;margin-bottom:.7rem}
footer ul{list-style:none}
footer li{margin-bottom:.4rem}
.legal{border-top:1px solid #2C4750;padding-top:1.6rem;color:#9DB4AF;font-size:.85rem}
.legal p{margin-bottom:.8rem}
.risk{background:#213E48;border-radius:10px;padding:1rem 1.2rem;margin-bottom:1.2rem;color:#D9E6E2}

/* Page hero (inner pages) */
.page-hero{background:var(--mist);padding:3.5rem 0 2.8rem}
.page-hero p{max-width:60ch;color:var(--ink-soft);font-size:1.2rem;margin-top:.9rem}

/* Prose (inner content) */
.prose h2{margin:2.4rem 0 .8rem}
.prose h3{margin:1.8rem 0 .5rem}
.prose ul{margin:0 0 1.1em 1.3rem}
.prose li{margin-bottom:.45rem}
.callout{background:var(--sage);border-left:5px solid var(--green);border-radius:0 12px 12px 0;padding:1.2rem 1.4rem;margin:1.6rem 0;color:var(--ink)}