/* Red Oak Financial Group — site styles
   Phone-first. Body text never below 18px. Tap targets 44px or larger. */

:root{
  --red:#9E1B22;
  --red-dark:#7E141A;
  --navy:#14254A;
  --navy-dark:#0E1B37;
  --gold:#B98A3E;
  --gold-light:#F4D58D;
  --cream:#FBF6EC;
  --cream-2:#F3E9D6;
  --line:#E4D7BE;
  --ink:#1D2433;
  --muted:#4A5265;
  --on-navy:#E8DFCC;
  --white:#FFFFFF;
  --serif:'Source Serif 4',Georgia,'Times New Roman',serif;
  --sans:'Atkinson Hyperlegible',Verdana,Tahoma,sans-serif;
  --radius:14px;
  --wrap:1160px;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:19px;line-height:1.6}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0}
p{margin:0}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--red)}

/* Readable focus everywhere */
:focus-visible{outline:3px solid var(--navy);outline-offset:3px;border-radius:4px}
.on-dark :focus-visible,.site-footer :focus-visible,.band-red :focus-visible,.band-navy :focus-visible{outline-color:var(--gold-light)}

.skip-link{position:absolute;left:-9999px;top:8px;z-index:100;background:var(--white);color:var(--navy);padding:12px 16px;border-radius:8px;font-weight:700}
.skip-link:focus{left:8px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.stack{display:flex;flex-direction:column;gap:16px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:60px;padding:0 26px;border-radius:12px;font-family:var(--sans);font-size:20px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;text-align:center;line-height:1.25}
.btn svg{flex:none}
.btn-red{background:var(--red);color:var(--white)}
.btn-red:hover{background:var(--red-dark);color:var(--white)}
.btn-outline{background:var(--white);color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--cream-2);color:var(--navy)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-navy:hover{background:var(--navy-dark);color:var(--white)}
.btn-white{background:var(--white);color:var(--red)}
.btn-white:hover{background:var(--cream);color:var(--red-dark)}
.btn-white-navy{background:var(--white);color:var(--navy)}
.btn-white-navy:hover{background:var(--cream);color:var(--navy)}
.btn-block{display:flex;width:100%}
.text-link{display:inline-flex;align-items:center;min-height:48px;font-weight:700}
.btn-row{display:flex;flex-direction:column;gap:12px}
@media (min-width:760px){.btn-row{flex-direction:row;flex-wrap:wrap;align-items:center}}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:30;background:var(--white);border-bottom:3px solid var(--gold)}
.header-bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:0 12px;min-height:76px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;min-height:48px}
.brand img{height:54px;width:auto}
.header-actions{display:flex;align-items:center;gap:8px}
.icon-btn{display:inline-flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;width:58px;height:58px;border-radius:12px;font-family:var(--sans);font-size:14px;font-weight:700;text-decoration:none;cursor:pointer;padding:0}
.icon-btn.call{background:var(--red);color:var(--white);border:0}
.icon-btn.call:hover{background:var(--red-dark);color:var(--white)}
.icon-btn.menu{background:var(--white);color:var(--navy);border:2px solid var(--navy)}
.menu-close-icon{display:none}
.menu[aria-expanded="true"] .menu-open-icon{display:none}
.menu[aria-expanded="true"] .menu-close-icon{display:block}
.site-nav{display:none;order:3;flex:0 0 calc(100% + 40px);margin:10px -20px -10px;border-top:1px solid var(--line);background:var(--cream);padding:8px 20px 20px}
.site-nav.open{display:block}
.site-nav ul{list-style:none;margin:0;padding:0}
.site-nav a{display:flex;align-items:center;min-height:58px;padding:0 12px;border-bottom:1px solid var(--line);font-size:21px;font-weight:700;color:var(--navy);text-decoration:none}
.site-nav a[aria-current="page"]{color:var(--red);background:var(--cream-2);border-radius:8px}
.site-nav .nav-call{display:flex;justify-content:center;margin-top:16px;border:0;border-radius:12px;background:var(--red);color:var(--white)}
.brand-tag{display:none}

@media (min-width:1180px){
  .header-bar{min-height:96px}
  .brand img{height:62px}
  .icon-btn.menu,.icon-btn.call{display:none}
  .site-nav{display:block;order:2;flex:0 1 auto;margin:0;border:0;background:none;padding:0}
  .header-actions{display:none}
  .site-nav ul{display:flex;align-items:center;gap:4px}
  .site-nav a{min-height:48px;padding:0 11px;border:0;border-radius:8px;font-size:18px;white-space:nowrap}
  .site-nav a:hover{background:var(--cream-2);color:var(--navy)}
  .site-nav .nav-call{margin:0 0 0 10px;min-height:52px;padding:0 20px;gap:8px}
  .site-nav .nav-call:hover{background:var(--red-dark);color:var(--white)}
  .header-bar{flex-wrap:nowrap}
}
@media (max-width:1179px){
  .site-nav .nav-call svg{display:none}
}

/* ---------- sections ---------- */
.section{padding:44px 0}
.section-tight{padding:32px 0}
@media (min-width:760px){.section{padding:72px 0}}
.band-cream2{background:var(--cream-2)}
.band-white{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band-navy{background:var(--navy);color:var(--white)}
.band-navy h2,.band-navy h3{color:var(--white)}
.band-red{background:var(--red);color:var(--white)}
.band-red h2{color:var(--white)}
.eyebrow{font-size:16px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--red)}
.band-navy .eyebrow,.navy-card .eyebrow{color:var(--gold-light)}
.h1{font-size:40px;line-height:1.12;font-weight:700}
.h2{font-size:32px;font-weight:700}
.h3{font-size:24px;font-weight:700;line-height:1.25}
.lead{font-size:20px}
.muted{color:var(--muted)}
.on-navy-muted{color:var(--on-navy)}
@media (min-width:760px){.h1{font-size:52px}.h2{font-size:40px}}
@media (min-width:1100px){.h1{font-size:60px;line-height:1.06}.lead{font-size:22px}}

/* ---------- hero ---------- */
.hero{padding:32px 0 40px}
.hero-grid{display:grid;gap:28px}
.hero-photo{margin:0;background:var(--white);border:1px solid var(--line);border-radius:18px;overflow:hidden}
.hero-photo img{width:100%;height:330px;object-fit:cover;object-position:center 18%}
.hero-photo figcaption{padding:14px 18px;font-size:18px}
.aep-note{display:flex;gap:10px;align-items:flex-start;background:var(--white);border:1px solid var(--line);border-radius:12px;padding:12px 14px;font-size:18px;line-height:1.5}
.aep-note svg{flex:none;margin-top:2px}
@media (min-width:900px){
  .hero{padding:72px 0 64px}
  .hero-grid{grid-template-columns:7fr 5fr;gap:64px;align-items:center}
  .hero-photo img{height:470px}
  .aep-note{align-self:flex-start;align-items:center}
}

/* ---------- cards ---------- */
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.card-grid{display:grid;gap:14px}
@media (min-width:760px){.card-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}}
@media (min-width:1100px){.card-grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}}
.link-card{display:flex;flex-direction:column;gap:6px;text-decoration:none;color:var(--ink)}
.link-card:hover{border-color:var(--navy);color:var(--ink)}
.link-card .h3{color:var(--navy)}
.link-card .more{display:flex;align-items:center;gap:6px;font-weight:700;color:var(--red);min-height:32px;margin-top:auto}
@media (min-width:760px){.link-card{padding:24px}}
.help-box{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px}
.help-box strong{display:block;color:var(--navy);margin-bottom:4px}
.band-white .help-box{background:var(--cream)}

.navy-card{background:var(--navy);color:var(--white);border-radius:18px;padding:26px 22px;display:flex;flex-direction:column;gap:12px}
.navy-card h2{color:var(--white)}
@media (min-width:900px){.navy-card{flex-direction:row;align-items:center;justify-content:space-between;gap:32px;padding:32px 40px}.navy-card .btn{flex:none}}

/* ---------- steps ---------- */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:20px}
.steps li{display:flex;gap:16px;align-items:flex-start}
.steps .num{flex:none;width:50px;height:50px;border-radius:50%;background:var(--red);color:var(--white);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:24px;font-weight:700}
.steps strong{display:block;font-size:21px;color:var(--navy)}
@media (min-width:900px){
  .steps{grid-template-columns:repeat(3,minmax(0,1fr));gap:28px}
  .steps li{flex-direction:column;border-top:3px solid var(--gold);padding-top:20px}
}

/* ---------- awards block ---------- */
.awards-grid{display:grid;gap:20px}
@media (min-width:900px){.awards-grid{grid-template-columns:4fr 7fr;gap:56px;align-items:center}}
.carousel{width:100%}
.carousel-stage{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:24px 20px;min-height:500px;display:flex;flex-direction:column;justify-content:center}
.slide{display:flex;flex-direction:column;align-items:center;text-align:center;gap:14px}
.slide[hidden]{display:none}
.slide h3{font-size:25px;line-height:1.25}
.slide .photo{width:100%;max-width:440px;height:300px;object-fit:cover;object-position:center 28%;border-radius:12px}
.slide .badge{width:170px}
.slide .bbb{width:260px}
.slide .bbb-link{display:block;padding:8px;border-radius:8px}
.award-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;width:100%;max-width:520px;text-align:left}
.award-list li{background:var(--cream);border-radius:10px;padding:10px 14px}
.award-list strong{color:var(--red)}
.slide .note{font-size:17px;color:var(--muted)}
.carousel-controls{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:16px}
.arrow{width:58px;height:58px;flex:none;border-radius:50%;border:2px solid var(--navy);background:var(--white);color:var(--navy);display:flex;align-items:center;justify-content:center;cursor:pointer;padding:0}
.arrow.next{background:var(--navy);color:var(--white)}
.dots-wrap{display:flex;flex-direction:column;align-items:center;gap:4px}
.dots{display:flex;gap:4px}
.dot{width:44px;height:44px;border:0;background:transparent;display:flex;align-items:center;justify-content:center;cursor:pointer;padding:0}
.dot span{display:block;width:16px;height:16px;border-radius:50%;border:2px solid var(--navy);background:var(--white)}
.dot[aria-current="true"] span{background:var(--red);border-color:var(--red)}
.slide-count{font-size:17px;color:var(--muted)}

/* ---------- chips / service area ---------- */
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{background:var(--white);border:1px solid var(--line);border-radius:999px;padding:6px 15px;font-size:18px}
.area-grid{display:grid;gap:24px}
@media (min-width:900px){.area-grid{grid-template-columns:6fr 5fr;gap:56px;align-items:start}}

/* ---------- other ways strip ---------- */
.row-links{display:grid;gap:12px}
@media (min-width:900px){.row-links{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}}
.row-link{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:68px;padding:10px 18px;border-radius:12px;background:var(--cream);border:1px solid var(--line);text-decoration:none;color:var(--navy);font-weight:700;line-height:1.3}
.row-link:hover{border-color:var(--navy);color:var(--navy)}
.row-link svg{flex:none}

/* ---------- CTA band ---------- */
.cta-band .wrap{display:flex;flex-direction:column;gap:14px}
.cta-band .text-link{color:var(--white);justify-content:center}
@media (min-width:900px){
  .cta-band .wrap{flex-direction:row;align-items:center;justify-content:space-between;gap:32px}
  .cta-band .btn-row{flex:none}
}

/* ---------- in-page nav ---------- */
.toc{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:18px 18px 10px}
.toc ul{list-style:none;margin:0;padding:0}
.toc a{display:flex;align-items:center;min-height:50px;border-top:1px solid #EFE6D3;font-weight:700}
@media (min-width:900px){.toc ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:24px}}
.jump-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
@media (min-width:900px){.jump-list{grid-template-columns:repeat(4,minmax(0,1fr))}}
.jump-list a{display:flex;align-items:center;justify-content:space-between;gap:8px;min-height:62px;padding:0 18px;border-radius:12px;font-weight:700;text-decoration:none;border:2px solid var(--navy);background:var(--white);color:var(--navy)}
.jump-list a.primary{background:var(--red);border-color:var(--red);color:var(--white)}
.content-col{max-width:780px}
.content-col ul{margin:0;padding-left:24px;display:flex;flex-direction:column;gap:6px}
.dl{margin:0;display:flex;flex-direction:column;gap:14px}
.dl dt{font-weight:700;color:var(--gold-light)}
.dl dd{margin:0;color:var(--on-navy)}
.section-top-red{border-top:4px solid var(--red)}
.fine{font-size:18px;color:var(--muted)}

/* ---------- about ---------- */
.about-grid{display:grid;gap:24px}
.about-photo{width:100%;height:400px;object-fit:cover;object-position:center 15%;border-radius:18px}
@media (min-width:900px){.about-grid{grid-template-columns:5fr 7fr;gap:56px;align-items:start}.about-photo{height:520px}}
.pull-quote{margin:8px 0 0;padding:4px 0 4px 18px;border-left:4px solid var(--gold)}
.pull-quote p{font-family:var(--serif);font-size:25px;font-weight:600;line-height:1.35;color:var(--navy)}
.pull-quote cite{display:block;margin-top:8px;font-style:normal;font-weight:700;color:var(--red)}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks svg{flex:none;margin-top:2px}

/* ---------- blog index ---------- */
.filter-bar{display:flex;flex-direction:column;gap:12px;margin-bottom:24px}
.filter-bar[hidden]{display:none}
.filter-label{font-weight:700;color:var(--navy)}
.filter-buttons{display:flex;flex-wrap:wrap;gap:10px}
.filter-btn{min-height:52px;padding:0 20px;border-radius:999px;border:2px solid var(--navy);background:var(--white);color:var(--navy);font-family:var(--sans);font-size:19px;font-weight:700;cursor:pointer}
.filter-btn:hover{background:var(--cream-2)}
.filter-btn[aria-pressed="true"]{background:var(--navy);color:var(--white)}
.filter-btn.filter-clear{border-color:var(--red);color:var(--red)}
.filter-btn[hidden]{display:none}
.filter-status{font-size:18px;color:var(--muted)}
.post-list li[hidden]{display:none}
.post-list{list-style:none;margin:0;padding:0;display:grid;gap:14px}
@media (min-width:760px){.post-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}}
@media (min-width:1100px){.post-list{grid-template-columns:repeat(3,minmax(0,1fr))}}
.post-card{display:flex;flex-direction:column;gap:8px;height:100%;text-decoration:none;color:var(--navy)}
.post-card .tag{font-size:15px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--red)}
.post-card .title{font-family:var(--serif);font-size:22px;font-weight:700;line-height:1.3}
.post-card .date{font-size:17px;color:var(--muted)}
.post-card .more{display:flex;align-items:center;gap:6px;font-weight:700;color:var(--red);margin-top:auto}

/* ---------- forms ---------- */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:24px 16px}
@media (min-width:760px){.form-card{padding:32px}}
.lead-form{display:flex;flex-direction:column;gap:14px}
.form-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.field{display:flex;flex-direction:column;gap:4px;font-weight:700;color:var(--navy)}
.field input,.field select{min-height:56px;width:100%;padding:0 12px;border:2px solid #7C8291;border-radius:10px;font:inherit;font-weight:400;color:var(--ink);background:var(--white)}
.field select{font-size:18px;padding:0 8px}
.field input:focus,.field select:focus{border-color:var(--navy)}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--cream);border:2px solid var(--line);border-radius:12px;padding:14px 12px;font-size:18px;line-height:1.5;font-weight:400;color:var(--ink);cursor:pointer}
.consent input{flex:none;width:28px;height:28px;margin:2px 0 0;accent-color:var(--red)}
.submit-btn{min-height:62px;border:0;border-radius:12px;background:var(--red);color:var(--white);font:inherit;font-size:21px;font-weight:700;cursor:pointer}
.submit-btn:hover{background:var(--red-dark)}
.submit-btn:disabled{opacity:.7;cursor:wait}
.form-message{display:none;padding:12px 14px;border-radius:10px;font-weight:700}
.form-message.success{background:#E7F1EA;color:#1E4D2B}
.form-message.error{background:#FBE9E9;color:#7E141A}
.contact-grid{display:grid;gap:24px}
@media (min-width:900px){.contact-grid{grid-template-columns:5fr 7fr;gap:56px;align-items:start}}

/* ---------- legal pages ---------- */
.prose{max-width:780px}
.prose h2{font-size:28px;margin:36px 0 12px}
.prose p{margin:0 0 16px}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:var(--white);font-size:18px;line-height:1.6;padding:44px 0 40px}
.site-footer a{color:var(--gold-light)}
.site-footer a:hover{color:var(--white)}
.footer-top{display:flex;flex-wrap:wrap;gap:32px 48px}
.footer-col{flex:1 1 300px;display:flex;flex-direction:column;gap:12px}
.footer-name{font-family:var(--serif);font-size:26px;font-weight:700;line-height:1.2;color:var(--white)}
.footer-soft{color:var(--on-navy)}
.footer-buttons{display:flex;flex-wrap:wrap;gap:12px;margin-top:4px}
.footer-buttons .btn{min-height:52px;font-size:18px;padding:0 20px}
.btn-gold-outline{background:transparent;border-color:var(--gold-light);color:var(--gold-light)}
.btn-gold-outline:hover{background:rgba(255,255,255,.08)}
.footer-nav{flex:1 1 260px}
.footer-nav .label{margin:0 0 8px;font-weight:700;color:var(--gold-light);letter-spacing:.06em;text-transform:uppercase;font-size:16px}
.footer-nav ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 16px}
.footer-nav a{display:inline-flex;align-items:center;min-height:44px}
.footer-legal{border-top:2px solid var(--gold);margin-top:32px;padding-top:24px;display:flex;flex-direction:column;gap:16px;color:var(--on-navy)}
.footer-legal .copy{font-size:17px;color:#C9C0AE}

/* ---------- sticky call bar (phones) ---------- */
.call-bar{position:fixed;left:0;right:0;bottom:0;z-index:35;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(251,246,236,.97);border-top:1px solid var(--line)}
.call-bar .btn{min-height:58px}
body.has-call-bar{padding-bottom:84px}
@media (min-width:900px){.call-bar{display:none}body.has-call-bar{padding-bottom:0}}

@media print{.site-header,.call-bar,.carousel-controls{display:none}}