/* ============================================
   My Plan Advisor — myplanadvisor.site
   TFN: (888) 493-1926
   Color: Indigo / Purple — Independent Advisory
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Inter:wght@400;600;700;800&display=swap');

:root {
  --indigo: #4F46E5;
  --indigo-dark: #1E1B4B;
  --indigo-mid: #3730A3;
  --indigo-light: #E0E7FF;
  --indigo-bg: #EEF2FF;
  --cta-green: #16A34A;
  --cta-green-hover: #15803D;
  --white: #FFFFFF;
  --off-white: #FAFAFE;
  --dark: #111827;
  --gray-700: #374151;
  --gray-500: #6B7280;
  --gray-300: #D1D5DB;
  --gray-100: #F3F4F6;
  --disclaimer-bg: #FFF9C4;
  --disclaimer-border: #E0D68A;
  --font-heading: 'DM Sans', 'Inter', sans-serif;
  --font-body: 'Inter', 'Segoe UI', sans-serif;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.07);
  --shadow-md: 0 4px 14px rgba(0,0,0,0.1);
  --shadow-lg: 0 8px 28px rgba(0,0,0,0.14);
  --radius: 12px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--gray-700);
  background: var(--off-white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* --- Disclaimer Banner --- */
.disclaimer-banner {
  background: var(--disclaimer-bg);
  border-bottom: 1px solid var(--disclaimer-border);
  padding: 10px 20px;
  text-align: center;
  font-size: 13px;
  color: #5D4E00;
  line-height: 1.5;
}
.disclaimer-banner strong { color: #3E3400; }

/* --- Header --- */
.site-header {
  background: var(--indigo-dark);
  padding: 0 24px;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-md);
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 20px;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-icon {
  background: var(--indigo);
  color: var(--white);
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}
.header-phone-link {
  background: var(--cta-green);
  color: var(--white);
  padding: 10px 20px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 15px;
  transition: background 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.header-phone-link:hover { background: var(--cta-green-hover); }

.nav-desktop {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav-desktop a {
  color: rgba(255,255,255,0.8);
  font-weight: 600;
  font-size: 15px;
  transition: color 0.2s;
}
.nav-desktop a:hover { color: var(--white); }

.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  transition: 0.3s;
}
.mobile-nav {
  display: none;
  background: var(--indigo-dark);
  padding: 0 24px 20px;
}
.mobile-nav.active { display: block; }
.mobile-nav a {
  display: block;
  color: rgba(255,255,255,0.9);
  font-weight: 600;
  font-size: 16px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

/* --- Hero --- */
.hero {
  background: linear-gradient(135deg, var(--indigo-dark) 0%, var(--indigo-mid) 50%, var(--indigo) 100%);
  padding: 72px 24px 80px;
  text-align: center;
  color: var(--white);
}
.hero-inner { max-width: 800px; margin: 0 auto; }
.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.12);
  color: var(--indigo-light);
  padding: 6px 18px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.hero h1 {
  font-family: var(--font-heading);
  font-size: 44px;
  font-weight: 800;
  line-height: 1.12;
  margin-bottom: 18px;
}
.hero p {
  font-size: 19px;
  opacity: 0.9;
  margin-bottom: 32px;
  line-height: 1.6;
}

/* --- CTA Buttons --- */
.cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 18px 36px;
  font-size: 19px;
  font-weight: 700;
  color: var(--white);
  background: var(--cta-green);
  border: none;
  border-radius: var(--radius);
  box-shadow: 0 4px 14px rgba(22,163,74,0.35);
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
}
.cta-btn:hover {
  background: var(--cta-green-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(22,163,74,0.45);
}
.cta-btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  font-size: 16px;
  font-weight: 700;
  color: var(--indigo);
  background: var(--white);
  border: 2px solid var(--indigo);
  border-radius: var(--radius);
  transition: all 0.2s;
}
.cta-btn-outline:hover {
  background: var(--indigo);
  color: var(--white);
}

/* --- Stats Bar --- */
.stats-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-300);
  padding: 28px 24px;
}
.stats-inner {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item h3 {
  font-family: var(--font-heading);
  font-size: 36px;
  font-weight: 800;
  color: var(--indigo);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-item p {
  font-size: 14px;
  color: var(--gray-500);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* --- Section Containers --- */
.section { padding: 72px 24px; }
.section-alt { background: var(--indigo-bg); }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 {
  font-family: var(--font-heading);
  font-size: 34px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 14px;
}
.section-header p {
  font-size: 18px;
  color: var(--gray-500);
  max-width: 640px;
  margin: 0 auto;
}

/* --- Service Cards --- */
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-300);
  transition: all 0.25s;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--indigo);
}
.service-icon {
  width: 64px;
  height: 64px;
  background: var(--indigo-light);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  margin: 0 auto 18px;
}
.service-card h3 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
}
.service-card p {
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.5;
}

/* --- Steps --- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  counter-reset: step;
}
.step-card { text-align: center; counter-increment: step; }
.step-number {
  width: 56px;
  height: 56px;
  background: var(--indigo);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 800;
  margin: 0 auto 18px;
}
.step-card h3 {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
}
.step-card p { font-size: 15px; color: var(--gray-500); }

/* --- Detail Blocks --- */
.detail-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  padding: 48px 0;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.detail-block:last-child { border-bottom: none; }
.detail-block.reverse .detail-text { order: 2; }
.detail-block.reverse .detail-visual { order: 1; }
.detail-text h3 {
  font-family: var(--font-heading);
  font-size: 26px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 14px;
}
.detail-text p {
  font-size: 16px;
  color: var(--gray-500);
  margin-bottom: 14px;
  line-height: 1.7;
}
.detail-text ul { list-style: none; padding: 0; margin-bottom: 20px; }
.detail-text ul li {
  padding: 6px 0 6px 28px;
  position: relative;
  font-size: 15px;
  color: var(--gray-700);
}
.detail-text ul li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--indigo);
  font-weight: 700;
}
.detail-visual {
  background: var(--indigo-light);
  border-radius: var(--radius);
  height: 280px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 64px;
}

/* --- FAQ --- */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item {
  border-bottom: 1px solid var(--gray-300);
  padding: 22px 0;
  cursor: pointer;
}
.faq-item:last-child { border-bottom: none; }
.faq-q {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 17px;
  color: var(--dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-q::after {
  content: "+";
  font-size: 22px;
  color: var(--indigo);
  font-weight: 300;
  transition: transform 0.2s;
}
.faq-item.open .faq-q::after { content: "−"; }
.faq-a {
  display: none;
  padding-top: 12px;
  font-size: 15px;
  color: var(--gray-500);
  line-height: 1.7;
}
.faq-item.open .faq-a { display: block; }

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, var(--indigo-dark) 0%, var(--indigo) 100%);
  padding: 56px 24px;
  text-align: center;
  color: var(--white);
}
.cta-banner h2 {
  font-family: var(--font-heading);
  font-size: 32px;
  font-weight: 800;
  margin-bottom: 14px;
}
.cta-banner p { font-size: 18px; opacity: 0.9; margin-bottom: 28px; }

/* --- Comparison Table --- */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-300);
}
.compare-table thead th {
  background: var(--indigo-dark);
  color: var(--white);
  padding: 16px 20px;
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 15px;
}
.compare-table tbody td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--gray-300);
  font-size: 15px;
}
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:nth-child(even) { background: var(--indigo-bg); }
.check { color: var(--cta-green); font-weight: 700; }
.cross { color: #DC2626; }

/* --- Contact Block --- */
.contact-block {
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-300);
  text-align: center;
}
.contact-block h3 {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 8px;
}
.contact-phone {
  font-family: var(--font-heading);
  font-size: 36px;
  font-weight: 800;
  color: var(--indigo);
  margin: 16px 0;
}
.contact-hours { font-size: 15px; color: var(--gray-500); margin-bottom: 24px; }

/* --- Ready Block --- */
.ready-block {
  background: var(--indigo-bg);
  border: 2px solid var(--indigo-light);
  border-radius: var(--radius);
  padding: 32px;
}
.ready-block h3 {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 16px;
}
.ready-block ul { list-style: none; padding: 0; }
.ready-block ul li {
  padding: 8px 0 8px 28px;
  position: relative;
  font-size: 15px;
}
.ready-block ul li::before { content: "📋"; position: absolute; left: 0; }

/* --- Features Grid --- */
.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.feature-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-300);
}
.feature-icon { font-size: 32px; margin-bottom: 14px; }
.feature-card h3 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
}
.feature-card p { font-size: 15px; color: var(--gray-500); line-height: 1.6; }

/* --- Disclosure --- */
.disclosure-banner {
  background: var(--gray-100);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius);
  padding: 24px;
  margin-top: 32px;
}
.disclosure-banner h4 {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 15px;
  color: var(--dark);
  margin-bottom: 8px;
}
.disclosure-banner p { font-size: 13px; color: var(--gray-500); line-height: 1.6; }

/* --- Footer --- */
.site-footer {
  background: var(--dark);
  color: rgba(255,255,255,0.7);
  padding: 48px 24px 120px;
}
.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
}
.footer-brand h3 {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 18px;
  color: var(--white);
  margin-bottom: 12px;
}
.footer-brand p { font-size: 14px; line-height: 1.7; }
.footer-links h4 {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 14px;
  color: var(--white);
  margin-bottom: 14px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.footer-links a {
  display: block;
  font-size: 14px;
  padding: 4px 0;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--white); }
.footer-disclaimer {
  max-width: 1100px;
  margin: 32px auto 0;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  line-height: 1.7;
}

/* --- Sticky Mobile Call Bar --- */
.sticky-call {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--cta-green);
  padding: 14px 20px;
  text-align: center;
  box-shadow: 0 -4px 16px rgba(0,0,0,0.25);
  display: none;
}
.sticky-call a {
  color: var(--white);
  font-weight: 700;
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-desktop { display: none; }
  .hamburger { display: block; }
  .header-phone-link { display: none; }

  .hero { padding: 48px 20px 56px; }
  .hero h1 { font-size: 30px; }
  .hero p { font-size: 16px; }

  .stats-inner { grid-template-columns: 1fr; gap: 16px; }
  .stat-item { display: flex; align-items: center; gap: 12px; text-align: left; }
  .stat-item h3 { font-size: 28px; margin-bottom: 0; }

  .service-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 24px; }

  .detail-block { grid-template-columns: 1fr; gap: 24px; }
  .detail-block.reverse .detail-text,
  .detail-block.reverse .detail-visual { order: unset; }
  .detail-visual { height: 200px; }

  .features-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr !important; }

  .section { padding: 48px 20px; }
  .section-header h2 { font-size: 26px; }

  .footer-inner { grid-template-columns: 1fr; gap: 24px; }
  .site-footer { padding-bottom: 90px; }

  .cta-banner h2 { font-size: 24px; }
  .cta-btn { font-size: 17px; padding: 16px 28px; width: 100%; justify-content: center; }

  .sticky-call { display: block; }

  .table-wrap { overflow-x: auto; }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 26px; }
  .logo { font-size: 16px; }
  .contact-phone { font-size: 28px; }
}