/* ============================================
   Empower Retirement Participant Resource
   Stylesheet
   ============================================ */

:root {
    --primary: #0a2540;
    --primary-light: #1a3a5c;
    --accent: #0066cc;
    --accent-hover: #0052a3;
    --accent-light: #e6f0fa;
    --text-dark: #1a1a2e;
    --text-body: #4a5568;
    --text-light: #718096;
    --bg-white: #ffffff;
    --bg-light: #f7f9fc;
    --bg-section: #f0f4f8;
    --border: #e2e8f0;
    --success: #10b981;
    --radius: 12px;
    --radius-sm: 8px;
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06);
    --shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 12px 40px rgba(0, 0, 0, 0.12);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    font-family: var(--font);
    color: var(--text-body);
    background: var(--bg-white);
    line-height: 1.7;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--accent-hover); }

img { max-width: 100%; height: auto; display: block; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ============================================
   Header
   ============================================ */
.site-header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}

.site-header.scrolled {
    border-bottom-color: var(--border);
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--primary);
    letter-spacing: -0.02em;
}

.logo-icon { color: var(--accent); font-size: 1.3rem; }
.logo-text strong { color: var(--accent); font-weight: 700; }

.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.nav-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--primary);
    border-radius: 2px;
    transition: var(--transition);
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 32px;
    align-items: center;
}

.nav-menu a {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--text-body);
    position: relative;
}

.nav-menu a:hover, .nav-menu a.active { color: var(--accent); }

.nav-menu a::after {
    content: '';
    position: absolute;
    bottom: -4px; left: 0;
    width: 0; height: 2px;
    background: var(--accent);
    transition: var(--transition);
}

.nav-menu a:hover::after, .nav-menu a.active::after { width: 100%; }

.nav-cta {
    background: var(--accent);
    color: #fff !important;
    padding: 10px 24px;
    border-radius: 50px;
    font-weight: 600;
}

.nav-cta:hover { background: var(--accent-hover); color: #fff !important; }
.nav-cta::after { display: none; }

/* ============================================
   Hero
   ============================================ */
.hero {
    position: relative;
    padding: 160px 24px 100px;
    background: linear-gradient(160deg, #0a2540 0%, #1a3a5c 50%, #0d2f4f 100%);
    overflow: hidden;
    min-height: 90vh;
    display: flex;
    align-items: center;
}

.hero-bg-shapes { position: absolute; inset: 0; pointer-events: none; }

.shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.08;
}

.shape-1 {
    width: 600px; height: 600px;
    background: radial-gradient(circle, #4a9eff, transparent);
    top: -200px; right: -100px;
    animation: float 20s ease-in-out infinite;
}

.shape-2 {
    width: 400px; height: 400px;
    background: radial-gradient(circle, #66b3ff, transparent);
    bottom: -100px; left: -50px;
    animation: float 25s ease-in-out infinite reverse;
}

.shape-3 {
    width: 300px; height: 300px;
    background: radial-gradient(circle, #3399ff, transparent);
    top: 40%; left: 50%;
    animation: float 18s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(30px, -30px) scale(1.05); }
    66% { transform: translate(-20px, 20px) scale(0.95); }
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
}

.hero-badge {
    display: inline-block;
    padding: 8px 20px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 50px;
    color: #a0c4e8;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-bottom: 28px;
}

.hero h1 {
    font-size: clamp(2.2rem, 5vw, 3.5rem);
    font-weight: 800;
    color: #ffffff;
    line-height: 1.15;
    letter-spacing: -0.03em;
    margin-bottom: 24px;
}

.hero h1 .highlight {
    background: linear-gradient(135deg, #4a9eff, #66b3ff);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: #b8cfe8;
    max-width: 640px;
    margin: 0 auto 40px;
    line-height: 1.7;
}

.hero-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 64px;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 32px;
    border-radius: 50px;
    font-size: 0.95rem;
    font-weight: 600;
    font-family: var(--font);
    cursor: pointer;
    border: none;
    transition: var(--transition);
    text-decoration: none;
}

.btn-primary {
    background: var(--accent);
    color: #fff;
}

.btn-primary:hover {
    background: var(--accent-hover);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 102, 204, 0.3);
}

.btn-outline {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255, 255, 255, 0.3);
}

.btn-outline:hover {
    border-color: #fff;
    color: #fff;
    background: rgba(255, 255, 255, 0.1);
}

.btn-full { width: 100%; }

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    padding-top: 40px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.stat-item { text-align: center; }

.stat-number {
    font-size: 2.2rem;
    font-weight: 800;
    color: #fff;
    letter-spacing: -0.02em;
}

.stat-suffix {
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--accent);
}

.stat-label {
    display: block;
    font-size: 0.8rem;
    color: #8aadcc;
    margin-top: 6px;
    line-height: 1.5;
}

/* ============================================
   Sections
   ============================================ */
.section { padding: 100px 0; }

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 64px;
}

.section-tag {
    display: inline-block;
    padding: 6px 16px;
    background: var(--accent-light);
    color: var(--accent);
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.section-header h2 {
    font-size: clamp(1.8rem, 3.5vw, 2.4rem);
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.02em;
    line-height: 1.2;
    margin-bottom: 16px;
}

.section-intro {
    font-size: 1.05rem;
    color: var(--text-light);
    line-height: 1.7;
}

/* ============================================
   Overview
   ============================================ */
.overview-section { background: var(--bg-light); }

.overview-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
}

.overview-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 36px;
    transition: var(--transition);
}

.overview-card:hover {
    border-color: var(--accent);
    box-shadow: var(--shadow);
    transform: translateY(-4px);
}

.card-icon {
    font-size: 2rem;
    margin-bottom: 20px;
    display: block;
}

.overview-card h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 12px;
    letter-spacing: -0.01em;
}

.overview-card p {
    font-size: 0.95rem;
    color: var(--text-body);
    line-height: 1.7;
}

/* ============================================
   Services
   ============================================ */
.services-layout {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.service-block {
    display: flex;
    gap: 24px;
    padding: 32px;
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    transition: var(--transition);
}

.service-block:hover {
    border-color: var(--accent);
    box-shadow: var(--shadow);
}

.service-number {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--accent-light);
    line-height: 1;
    min-width: 48px;
}

.service-content h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
}

.service-content p {
    font-size: 0.92rem;
    color: var(--text-body);
    line-height: 1.7;
}

/* ============================================
   Tools
   ============================================ */
.tools-section { background: var(--bg-light); }

.tools-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.tool-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px 28px;
    transition: var(--transition);
    text-align: center;
}

.tool-card:hover {
    border-color: var(--accent);
    box-shadow: var(--shadow);
    transform: translateY(-4px);
}

.tool-icon {
    font-size: 2rem;
    margin-bottom: 16px;
    display: block;
}

.tool-card h3 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 10px;
}

.tool-card p {
    font-size: 0.9rem;
    color: var(--text-body);
    line-height: 1.7;
}

/* ============================================
   Planning
   ============================================ */
.planning-content {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
}

.planning-block {
    padding: 32px;
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    border-left: 4px solid var(--accent);
    transition: var(--transition);
}

.planning-block:hover {
    box-shadow: var(--shadow);
    transform: translateX(4px);
}

.planning-block h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 12px;
}

.planning-block p {
    font-size: 0.93rem;
    color: var(--text-body);
    line-height: 1.75;
}

/* ============================================
   FAQ
   ============================================ */
.faq-section { background: var(--bg-light); }

.faq-list {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item.active {
    border-color: var(--accent);
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: var(--font);
    font-size: 1rem;
    font-weight: 600;
    color: var(--primary);
    text-align: left;
    transition: var(--transition);
}

.faq-question:hover { color: var(--accent); }

.faq-toggle {
    font-size: 1.3rem;
    color: var(--accent);
    font-weight: 400;
    transition: var(--transition);
    flex-shrink: 0;
    margin-left: 16px;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.35s ease;
    padding: 0 24px;
}

.faq-item.active .faq-answer {
    max-height: 300px;
    padding: 0 24px 20px;
}

.faq-answer p {
    font-size: 0.93rem;
    color: var(--text-body);
    line-height: 1.75;
}

/* ============================================
   Contact
   ============================================ */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start;
}

.contact-info h2 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 16px;
    letter-spacing: -0.02em;
}

.contact-info > p {
    font-size: 1rem;
    color: var(--text-body);
    margin-bottom: 32px;
    line-height: 1.7;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-bottom: 32px;
}

.contact-item {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.contact-label {
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-light);
}

.contact-item a, .contact-item span:last-child {
    font-size: 1rem;
    color: var(--primary);
    font-weight: 500;
}

.contact-note {
    font-size: 0.85rem;
    color: var(--text-light);
    padding: 16px;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    border-left: 3px solid var(--accent);
}

.contact-form-wrapper {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 40px;
    box-shadow: var(--shadow-sm);
}

.form-group { margin-bottom: 20px; }

.form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 8px;
}

.form-group input,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: var(--font);
    font-size: 0.95rem;
    color: var(--text-dark);
    background: var(--bg-light);
    transition: var(--transition);
    resize: vertical;
}

.form-group input:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent);
    background: var(--bg-white);
    box-shadow: 0 0 0 3px rgba(0, 102, 204, 0.1);
}

.form-note {
    font-size: 0.78rem;
    color: var(--text-light);
    text-align: center;
    margin-top: 16px;
    line-height: 1.6;
}

/* ============================================
   Disclaimer Banner
   ============================================ */
.disclaimer-banner {
    background: #fff8e6;
    border-top: 1px solid #f0d88a;
    border-bottom: 1px solid #f0d88a;
    padding: 24px 0;
}

.disclaimer-banner p {
    font-size: 0.82rem;
    color: #7a6a2e;
    line-height: 1.7;
    text-align: center;
    max-width: 900px;
    margin: 0 auto;
}

.disclaimer-banner strong { color: #5c4d1a; }

/* ============================================
   Footer
   ============================================ */
.site-footer {
    background: var(--primary);
    color: #8aadcc;
    padding: 64px 0 32px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 48px;
}

.footer-brand .logo-icon { color: var(--accent); }
.footer-brand .logo-text { color: #fff; }
.footer-brand .logo-text strong { color: var(--accent); }

.footer-brand p {
    font-size: 0.88rem;
    margin-top: 16px;
    line-height: 1.7;
    max-width: 280px;
}

.footer-links h4, .footer-contact h4 {
    color: #fff;
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 20px;
}

.footer-links ul { list-style: none; }

.footer-links li { margin-bottom: 10px; }

.footer-links a {
    font-size: 0.88rem;
    color: #8aadcc;
}

.footer-links a:hover { color: #fff; }

.footer-contact p {
    font-size: 0.88rem;
    line-height: 1.7;
}

.footer-contact a { color: #8aadcc; }
.footer-contact a:hover { color: #fff; }

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 32px;
    text-align: center;
}

.footer-bottom p {
    font-size: 0.82rem;
    line-height: 1.7;
}

.footer-disclaimer {
    margin-top: 8px;
    color: #5c7a99;
    font-size: 0.78rem !important;
}

/* ============================================
   Legal Pages
   ============================================ */
.legal-page {
    padding: 140px 0 80px;
    background: var(--bg-white);
}

.legal-header {
    max-width: 800px;
    margin: 0 auto 48px;
    text-align: center;
}

.legal-header h1 {
    font-size: 2.4rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.02em;
    margin-bottom: 12px;
}

.legal-updated {
    font-size: 0.9rem;
    color: var(--text-light);
}

.legal-content {
    max-width: 800px;
    margin: 0 auto;
}

.legal-content section { margin-bottom: 40px; }

.legal-content h2 {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 16px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--accent-light);
}

.legal-content h3 {
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--primary);
    margin: 20px 0 10px;
}

.legal-content p {
    font-size: 0.95rem;
    color: var(--text-body);
    line-height: 1.8;
    margin-bottom: 14px;
}

.legal-content ul {
    margin: 12px 0 16px 24px;
}

.legal-content li {
    font-size: 0.95rem;
    color: var(--text-body);
    line-height: 1.8;
    margin-bottom: 6px;
}

/* ============================================
   Scroll Animations
   ============================================ */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ============================================
   Responsive
   ============================================ */
@media (max-width: 968px) {
    .nav-toggle { display: flex; }

    .nav-menu {
        position: fixed;
        top: 72px; left: 0; right: 0;
        background: #fff;
        flex-direction: column;
        padding: 24px;
        gap: 20px;
        border-bottom: 1px solid var(--border);
        box-shadow: var(--shadow);
        transform: translateY(-100%);
        opacity: 0;
        pointer-events: none;
        transition: var(--transition);
    }

    .nav-menu.active {
        transform: translateY(0);
        opacity: 1;
        pointer-events: all;
    }

    .overview-grid,
    .services-layout,
    .planning-content {
        grid-template-columns: 1fr;
    }

    .tools-grid { grid-template-columns: repeat(2, 1fr); }

    .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 32px;
    }

    .hero-stats {
        grid-template-columns: 1fr;
        gap: 24px;
    }
}

@media (max-width: 640px) {
    .hero { padding: 140px 20px 80px; min-height: auto; }
    .hero h1 { font-size: 1.9rem; }
    .hero-subtitle { font-size: 1rem; }
    .hero-actions { flex-direction: column; align-items: center; }
    .btn { width: 100%; max-width: 280px; }

    .section { padding: 72px 0; }
    .section-header { margin-bottom: 40px; }

    .tools-grid { grid-template-columns: 1fr; }

    .service-block { flex-direction: column; gap: 12px; }

    .footer-grid { grid-template-columns: 1fr; gap: 28px; }

    .contact-form-wrapper { padding: 28px 20px; }

    .legal-header h1 { font-size: 1.8rem; }
}