/* paulomaria.com — shared stylesheet
   Barrett Financial palette: navy scale #05192e → #082b4e → #0b3d6e → #0f4f8f → #1261af,
   accent #749cde, gold #ffc107 (Top Producer accent). Montserrat headings, Roboto body. */
:root {
  --navy-deep: #05192e;
  --navy: #082b4e;
  --navy-mid: #0b3d6e;
  --blue: #1261af;
  --blue-soft: #e8f1fa;
  --sky: #749cde;
  --gold: #ffc107;
  --gold-deep: #d99a00;
  --ink: #1b2a3a;
  --muted: #5a6b7d;
  --paper: #f7f9fb;
  --surface: #ffffff;
  --line: #dee5ec;
  --success: #1e7e4e;
  --radius: 14px;
  --shadow: 0 18px 50px rgba(8, 43, 78, .12);
  --font-head: "Montserrat", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "Roboto", system-ui, -apple-system, "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--font-body); font-size: 16.5px; line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.15; margin: 0; letter-spacing: -.01em; }
h1 { font-size: clamp(2.4rem, 5.2vw, 4.2rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }
a { color: var(--blue); }
img { display: block; max-width: 100%; }
.wrap { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
section { padding: 84px 0; }
.kicker {
  display: inline-block; font-family: var(--font-head); font-weight: 700;
  font-size: .76rem; letter-spacing: .14em; text-transform: uppercase;
  color: var(--blue); margin-bottom: 14px;
}
.kicker.on-dark { color: var(--gold); }
.section-lead { font-size: 1.15rem; color: var(--muted); max-width: 720px; margin-top: 16px; }

/* ---------- top bar ---------- */
.topbar {
  position: sticky; top: 0; z-index: 50;
  background: rgba(5, 25, 46, .97); backdrop-filter: blur(8px);
  color: #fff; border-bottom: 1px solid rgba(255,255,255,.08);
}
.topbar .wrap { display: flex; align-items: center; gap: 26px; padding-top: 12px; padding-bottom: 12px; }
.brand-lockup { display: flex; align-items: center; gap: 12px; text-decoration: none; color: #fff; margin-right: auto; }
.brand-lockup img { height: 40px; width: auto; background: #fff; border-radius: 6px; padding: 4px 8px; }
.brand-name { font-family: var(--font-head); font-weight: 800; font-size: 1.02rem; line-height: 1.2; }
.brand-name small { display: block; font-weight: 600; font-size: .68rem; color: var(--sky); letter-spacing: .06em; }
.topnav { display: flex; align-items: center; gap: 4px; }
.topnav a {
  color: #dbe7f3; text-decoration: none; font-weight: 500; font-size: .92rem;
  padding: 9px 13px; border-radius: 8px; white-space: nowrap;
}
.topnav a:hover { background: rgba(255,255,255,.08); color: #fff; }
.topnav a.cta-nav { background: var(--gold); color: var(--navy-deep); font-weight: 700; margin-left: 8px; }
.topnav a.cta-nav:hover { background: #ffcf3d; }
.nav-toggle { display: none; background: none; border: 1px solid rgba(255,255,255,.25); color: #fff; border-radius: 8px; padding: 8px 12px; font: inherit; cursor: pointer; }

/* ---------- hero ---------- */
.hero {
  color: #fff; padding: 110px 0 96px; position: relative; overflow: hidden;
  background:
    linear-gradient(100deg, rgba(5,25,46,.96) 0%, rgba(5,25,46,.88) 45%, rgba(5,25,46,.45) 75%, rgba(5,25,46,.25) 100%),
    var(--navy-deep);
}
.hero.has-photo { background:
    linear-gradient(100deg, rgba(5,25,46,.96) 0%, rgba(5,25,46,.86) 48%, rgba(5,25,46,.35) 78%, rgba(5,25,46,.15) 100%),
    url("hero-home.webp") center 38%/cover no-repeat, var(--navy-deep); }
.hero-content { max-width: 700px; position: relative; z-index: 1; }
.hero h1 { margin-bottom: 20px; }
.hero h1 .gold { color: var(--gold); }
.hero .lede { font-size: 1.2rem; color: #d7e3f0; max-width: 620px; margin-bottom: 30px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-proof { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 34px; color: #b9cbe0; font-size: .9rem; }
.hero-proof strong { color: #fff; }
.hero-proof .dot-gold { color: var(--gold); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-head); font-weight: 700; font-size: .98rem;
  padding: 15px 26px; border-radius: 10px; text-decoration: none; cursor: pointer;
  border: 2px solid transparent; transition: transform .15s, box-shadow .15s, background .15s;
  min-height: 54px;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--navy-deep); box-shadow: 0 12px 28px rgba(255,193,7,.28); }
.btn-gold:hover { background: #ffcf3d; }
.btn-navy { background: var(--navy); color: #fff; box-shadow: 0 12px 28px rgba(8,43,78,.25); }
.btn-navy:hover { background: var(--navy-mid); }
.btn-outline-w { border-color: rgba(255,255,255,.6); color: #fff; background: transparent; }
.btn-outline-w:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn-outline-n { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline-n:hover { background: var(--blue-soft); }

/* ---------- product path cards ---------- */
.paths { background: var(--surface); }
.paths-head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 18px; margin-bottom: 40px; }
.path-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.path-card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 22px; display: flex; flex-direction: column; gap: 12px;
  text-decoration: none; color: inherit; transition: transform .18s, box-shadow .18s, border-color .18s;
  position: relative; overflow: hidden;
}
.path-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--sky); }
.path-card::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: linear-gradient(90deg, var(--blue), var(--sky)); }
.path-icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  background: var(--navy); color: #fff; font-size: 1.3rem;
}
.path-card h3 { font-size: 1.08rem; }
.path-card p { font-size: .92rem; color: var(--muted); margin: 0; flex: 1; }
.path-card .go { font-family: var(--font-head); font-weight: 700; font-size: .88rem; color: var(--blue); }
.path-card .go::after { content: " →"; }

/* ---------- bands ---------- */
.band-navy { background: linear-gradient(135deg, var(--navy-deep), var(--navy) 60%, var(--navy-mid)); color: #eaf1f9; }
.band-navy .section-lead { color: #b9cbe0; }
.band-gold { background: linear-gradient(135deg, #fff8e1, #ffecb3); border-block: 1px solid #f0d060; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(30px, 6vw, 80px); align-items: center; }
.check-list { list-style: none; margin: 24px 0 0; padding: 0; display: grid; gap: 13px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list .tick {
  flex: 0 0 24px; width: 24px; height: 24px; border-radius: 50%;
  background: var(--success); color: #fff; display: grid; place-items: center;
  font-size: .8rem; font-weight: 700; margin-top: 2px;
}
.band-navy .tick { background: var(--gold); color: var(--navy-deep); }

/* ---------- about / profile ---------- */
.profile-card {
  display: grid; grid-template-columns: 300px 1fr; gap: clamp(26px, 5vw, 60px);
  background: var(--surface); border: 1px solid var(--line); border-radius: 18px;
  padding: clamp(26px, 4vw, 48px); box-shadow: var(--shadow); align-items: center;
}
.profile-card img { border-radius: 14px; width: 100%; aspect-ratio: 1/1; object-fit: cover; object-position: top center; background: var(--blue-soft); }
.profile-meta { display: flex; flex-wrap: wrap; gap: 8px 20px; margin: 18px 0; font-size: .92rem; color: var(--muted); }
.profile-meta strong { color: var(--ink); }
.badge-producer {
  display: inline-flex; align-items: center; gap: 8px; background: var(--navy-deep); color: var(--gold);
  font-family: var(--font-head); font-weight: 700; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase;
  padding: 9px 16px; border-radius: 999px; border: 1px solid rgba(255,193,7,.4); margin-bottom: 16px;
}

/* ---------- trust strip ---------- */
.trust-strip { background: var(--surface); border-block: 1px solid var(--line); padding: 56px 0; text-align: center; }
.trust-strip h2 { margin: 12px 0 32px; }
.marquee { overflow: hidden; margin: 0 0 28px; -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); }
.marquee-track { display: flex; align-items: center; width: max-content; animation: scrollX 30s linear infinite; }
.marquee-track img { height: 104px; width: auto; margin-right: 84px; }
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes scrollX { to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .marquee-track { animation: none; } }
.trust-note { width: 100%; text-align: center; color: var(--muted); font-size: .9rem; }

/* ---------- comparison table ---------- */
.table-wrap { overflow-x: auto; margin-top: 34px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
table.compare { width: 100%; border-collapse: collapse; min-width: 620px; }
.compare th, .compare td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { background: var(--navy); color: #fff; font-family: var(--font-head); font-size: .9rem; }
.compare thead th:first-child { border-radius: 0; }
.compare tbody th { font-weight: 700; width: 22%; }
.compare tbody tr:last-child th, .compare tbody tr:last-child td { border-bottom: 0; }

/* ---------- steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 36px; }
.step-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; }
.step-card .n {
  font-family: var(--font-head); font-weight: 800; color: var(--gold-deep);
  font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 10px; display: block;
}
.band-navy .step-card { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.14); }
.band-navy .step-card p { color: #c6d6e8; font-size: .94rem; }
.band-navy .step-card h3 { color: #fff; }

/* ---------- FAQ accordion ---------- */
.faq { margin-top: 36px; border-top: 2px solid var(--navy); }
.faq-group { display: inline-block; margin: 38px 0 0; padding: 9px 20px; background: var(--navy); color: #fff; border-radius: 9px; font-size: .95rem; letter-spacing: .02em; }
.faq-group + .faq { margin-top: 16px; }
.faq details { border-bottom: 1px solid var(--line); background: var(--surface); }
.faq summary {
  cursor: pointer; list-style: none; padding: 22px 8px; font-family: var(--font-head);
  font-weight: 700; font-size: 1.05rem; display: flex; justify-content: space-between; gap: 18px; align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; flex: 0 0 34px; width: 34px; height: 34px; border-radius: 50%;
  border: 2px solid var(--blue); color: var(--blue); display: grid; place-items: center;
  font-size: 1.3rem; font-weight: 400; transition: transform .2s;
}
.faq details[open] summary::after { transform: rotate(45deg); background: var(--navy); border-color: var(--navy); color: #fff; }
.faq .answer { padding: 0 8px 26px; color: var(--muted); max-width: 860px; }
.faq .answer p { margin: 0 0 .8em; }
.faq .answer p:last-child { margin-bottom: 0; }

/* ---------- CTA panel ---------- */
.cta-panel {
  background: linear-gradient(135deg, var(--navy-deep), var(--navy-mid));
  color: #fff; border-radius: 20px; padding: clamp(36px, 6vw, 72px);
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: center;
  position: relative; overflow: hidden;
}
.cta-panel::after {
  content: ""; position: absolute; width: 340px; height: 340px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,193,7,.16), transparent 70%);
  right: -120px; top: -120px;
}
.cta-panel h2 { color: #fff; margin-bottom: 14px; }
.cta-panel p { color: #c6d6e8; margin-bottom: 0; }
.cta-actions { display: grid; gap: 12px; position: relative; z-index: 1; }
.cta-actions .btn { width: 100%; }

/* ---------- product page hero ---------- */
.page-hero { background: linear-gradient(120deg, var(--navy-deep), var(--navy) 55%, var(--navy-mid)); color: #fff; padding: 84px 0 72px; }
.page-hero .lede { color: #c6d6e8; font-size: 1.15rem; max-width: 680px; margin: 18px 0 28px; }
.page-hero .hero-actions { margin-top: 6px; }
.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 36px; }
.benefit-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; }
.benefit-card h3 { margin-bottom: 8px; font-size: 1.05rem; }
.benefit-card p { margin: 0; color: var(--muted); font-size: .94rem; }
.benefit-card .b-icon { font-size: 1.6rem; margin-bottom: 12px; display: block; }
.use-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 32px; }
.use-card { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 24px 20px; }
.use-card h3 { color: var(--gold); font-size: 1rem; margin-bottom: 8px; }
.use-card p { margin: 0; font-size: .9rem; color: #c6d6e8; }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 64px); align-items: start; }
.product-block { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: clamp(26px, 4vw, 44px); }
.product-block + .product-block { margin-top: 22px; }
.product-block .tag {
  display: inline-block; font-family: var(--font-head); font-weight: 700; font-size: .72rem;
  letter-spacing: .12em; text-transform: uppercase; color: var(--navy);
  background: var(--blue-soft); border-radius: 999px; padding: 6px 14px; margin-bottom: 14px;
}

/* ---------- compliance footer ---------- */
.compliance { background: #eef2f6; border-top: 3px solid var(--navy); padding: 46px 0 30px; font-size: .82rem; color: #4c5d70; }
.compliance .lic-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; margin-bottom: 26px; }
.compliance h4 { font-size: .85rem; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 10px; color: var(--navy); }
.compliance p { margin: 0 0 .7em; }
.compliance .logos { display: flex; flex-wrap: wrap; align-items: center; gap: 18px; margin: 18px 0; }
.compliance .logos img { height: 44px; width: auto; background: #fff; border-radius: 6px; padding: 4px 8px; }
.compliance a { color: var(--blue); }
.state-grid { display: grid; grid-template-columns: repeat(10, 1fr); gap: 4px; margin-top: 10px; font-size: .72rem; }
.state-grid span { background: #fff; border: 1px solid var(--line); border-radius: 4px; padding: 3px 0; text-align: center; }
.state-grid span.no { opacity: .45; }
.legal-fine { border-top: 1px solid var(--line); margin-top: 22px; padding-top: 18px; font-size: .75rem; color: #6b7d92; }
.main-footer { background: var(--navy-deep); color: #9fb4cc; padding: 22px 0; font-size: .82rem; }
.main-footer .wrap { display: flex; flex-wrap: wrap; gap: 10px 26px; align-items: center; justify-content: space-between; }
.main-footer a { color: #cfe0f4; text-decoration: none; }
.main-footer a:hover { text-decoration: underline; }

/* ---------- sticky mobile call bar ---------- */
.mobile-cta { display: none; }

/* ---------- responsive ---------- */
@media (max-width: 1020px) {
  .path-grid { grid-template-columns: repeat(2, 1fr); }
  .path-grid .path-card:last-child { grid-column: 1 / -1; }
  .benefit-grid { grid-template-columns: 1fr 1fr; }
  .use-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .state-grid { grid-template-columns: repeat(6, 1fr); }
}
@media (max-width: 860px) {
  .topnav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--navy-deep); flex-direction: column; align-items: stretch; padding: 10px 20px 18px; border-bottom: 1px solid rgba(255,255,255,.1); }
  .topnav.open { display: flex; }
  .topnav a { padding: 13px 6px; border-bottom: 1px solid rgba(255,255,255,.07); }
  .topnav a.cta-nav { margin: 10px 0 0; text-align: center; }
  .nav-toggle { display: block; }
  .split, .two-col, .cta-panel { grid-template-columns: 1fr; }
  .profile-card { grid-template-columns: 1fr; }
  .profile-card img { max-width: 280px; }
  .compliance .lic-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  section { padding: 60px 0; }
  .path-grid, .benefit-grid, .use-grid, .steps { grid-template-columns: 1fr; }
  .hero { padding: 84px 0 70px; }
  .hero-actions .btn { width: 100%; }
  .state-grid { grid-template-columns: repeat(5, 1fr); }
  .mobile-cta {
    display: grid; grid-template-columns: 1fr 1fr; gap: 8px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: rgba(255,255,255,.98); border-top: 1px solid var(--line);
    padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
    box-shadow: 0 -8px 24px rgba(8,43,78,.14);
  }
  .mobile-cta .btn { min-height: 48px; padding: 10px; font-size: .9rem; }
  body { padding-bottom: 76px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }