/* ==========================================================================
   RKC Financials and Insurance Services - Claremore, Oklahoma
   Global stylesheet. Plain CSS, no build step required.
   ========================================================================== */

:root{
  --ink:#131a25;
  --ink-2:#2b3547;
  --muted:#5c6779;
  --line:#e1e5ec;
  --paper:#ffffff;
  --paper-2:#f5f7fa;
  --paper-3:#eaeef5;

  --brand-900:#101f38;
  --brand-800:#16294a;
  --brand-700:#1e3c6e;
  --brand-600:#2a5391;
  --brand-500:#3d72bd;
  --brand-100:#e4ecf8;

  --gold-600:#b8862b;
  --gold-500:#d9a441;
  --gold-300:#f0d49a;
  --gold-100:#fbf1dd;

  --radius-s:8px;
  --radius:14px;
  --radius-l:22px;
  --shadow-s:0 1px 2px rgba(16,31,56,.06), 0 2px 6px rgba(16,31,56,.05);
  --shadow:0 10px 30px -12px rgba(16,31,56,.22);
  --shadow-l:0 30px 70px -30px rgba(16,31,56,.4);

  --wrap:1180px;
  --gap:clamp(20px,3vw,34px);

  --sans:"Inter","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
  --serif:"Fraunces","Iowan Old Style","Palatino Linotype",Georgia,"Times New Roman",serif;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:92px}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--sans);font-size:17px;line-height:1.68;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:var(--brand-700);text-decoration-color:rgba(42,83,145,.35);text-underline-offset:3px}
a:hover{color:var(--brand-600)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.14;letter-spacing:-.02em;color:var(--brand-900);margin:0 0 .55em}
h1{font-size:clamp(2.15rem,1.35rem + 3.3vw,3.85rem)}
h2{font-size:clamp(1.7rem,1.15rem + 2.1vw,2.7rem)}
h3{font-size:clamp(1.2rem,1.05rem + .6vw,1.5rem)}
h4{font-size:1.06rem;font-family:var(--sans);font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.2em;padding-left:1.15em}
li{margin-bottom:.5em}
strong{color:var(--brand-900);font-weight:650}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
:focus-visible{outline:3px solid var(--gold-500);outline-offset:3px;border-radius:4px}

/* ---------- layout helpers ---------- */
.wrap{width:min(100% - 40px,var(--wrap));margin-inline:auto}
.section{padding:clamp(56px,7vw,104px) 0}
.section--tight{padding:clamp(40px,5vw,70px) 0}
.section--paper{background:var(--paper-2)}
.section--ink{background:var(--brand-900);color:#dbe3ef}
.section--ink h2,.section--ink h3,.section--ink h4{color:#fff}
.section--ink a{color:var(--gold-300)}
.lede{font-size:clamp(1.06rem,1rem + .35vw,1.24rem);color:var(--ink-2);max-width:66ch}
.section--ink .lede{color:#b9c6dd}
.center{text-align:center}
.center .lede{margin-inline:auto}
.narrow{max-width:74ch;margin-inline:auto}
.grid{display:grid;gap:var(--gap)}
.g-2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.g-3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g-4{grid-template-columns:repeat(auto-fit,minmax(215px,1fr))}
.split{display:grid;gap:clamp(28px,4vw,56px);grid-template-columns:1fr;align-items:center}
@media(min-width:900px){.split{grid-template-columns:1.05fr .95fr}.split--reverse>*:first-child{order:2}}

.eyebrow{
  display:inline-flex;align-items:center;gap:9px;margin:0 0 18px;
  font-family:var(--sans);font-size:.76rem;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--brand-600);
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold-500);border-radius:2px}
.section--ink .eyebrow{color:var(--gold-300)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:14px 26px;border-radius:999px;border:1.5px solid transparent;
  font-family:var(--sans);font-weight:650;font-size:.98rem;line-height:1;
  text-decoration:none;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s ease;
}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--brand-700);color:#fff;box-shadow:var(--shadow)}
.btn--primary:hover{background:var(--brand-600);color:#fff;box-shadow:var(--shadow-l)}
.btn--gold{background:var(--gold-500);color:#38290b}
.btn--gold:hover{background:var(--gold-300);color:#38290b}
.btn--ghost{border-color:rgba(42,83,145,.35);color:var(--brand-800);background:transparent}
.btn--ghost:hover{background:var(--brand-100);color:var(--brand-800)}
.btn--light{background:#fff;color:var(--brand-800)}
.btn--light:hover{background:var(--gold-100);color:var(--brand-900)}
.btn--wide{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.center .btn-row{justify-content:center}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(255,255,255,.9);
  backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--line);
}
.topbar{background:var(--brand-900);color:#c4d3ea;font-size:.83rem}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:8px 26px;align-items:center;justify-content:space-between;padding:9px 0}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{color:var(--gold-300)}
.topbar span{display:inline-flex;align-items:center;gap:8px}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--brand-900)}
.brand svg{flex:none}
.brand b{display:block;font-family:var(--serif);font-size:1.14rem;font-weight:650;line-height:1.15;letter-spacing:-.02em}
.brand small{display:block;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:600}
.nav-links{display:flex;align-items:center;gap:3px;list-style:none;margin:0;padding:0}
.nav-links li{margin:0}
.nav-links a{
  display:block;padding:9px 13px;border-radius:999px;font-size:.94rem;font-weight:600;
  color:var(--ink-2);text-decoration:none;transition:background .15s ease,color .15s ease;
}
.nav-links a:hover{background:var(--paper-3);color:var(--brand-800)}
.nav-links a[aria-current="page"]{background:var(--brand-100);color:var(--brand-800)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-toggle{
  display:none;width:46px;height:44px;border:1px solid var(--line);background:#fff;
  border-radius:12px;cursor:pointer;align-items:center;justify-content:center;
}
.nav-toggle span{display:block;width:20px;height:2px;background:var(--brand-800);position:relative}
.nav-toggle span::before,.nav-toggle span::after{content:"";position:absolute;left:0;width:20px;height:2px;background:var(--brand-800);transition:transform .2s ease}
.nav-toggle span::before{top:-6px}
.nav-toggle span::after{top:6px}
.nav-toggle[aria-expanded="true"] span{background:transparent}
.nav-toggle[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}
@media(max-width:1120px){
  .nav-toggle{display:flex}
  .nav{position:relative}
  .nav-links{
    position:absolute;left:0;right:0;top:calc(100% + 6px);display:none;
    flex-direction:column;align-items:stretch;gap:2px;padding:12px;background:#fff;
    border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-l);
  }
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 14px;font-size:1rem}
  .nav-cta .btn--ghost{display:none}
}
@media(max-width:560px){
  .nav-cta .btn{padding:11px 16px;font-size:.9rem}
  .topbar .wrap{justify-content:center;text-align:center}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--brand-900);color:#dbe8e2;isolation:isolate}
.hero::before{
  content:"";position:absolute;inset:0;z-index:-2;
  background:
    radial-gradient(900px 480px at 82% 8%,rgba(61,114,189,.42),transparent 62%),
    radial-gradient(700px 420px at 8% 92%,rgba(217,164,65,.20),transparent 60%),
    linear-gradient(160deg,#101f38 0%,#16294a 55%,#0d1930 100%);
}
.hero::after{
  content:"";position:absolute;inset:0;z-index:-1;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);
  background-size:64px 64px;
  -webkit-mask-image:radial-gradient(circle at 60% 30%,#000,transparent 78%);
  mask-image:radial-gradient(circle at 60% 30%,#000,transparent 78%);
}
.hero .wrap{padding:clamp(56px,8vw,110px) 0 clamp(56px,7vw,96px)}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold-300)}
.hero p{color:#bbc9e2;font-size:clamp(1.04rem,1rem + .4vw,1.2rem);max-width:56ch}
.hero .eyebrow{color:var(--gold-300)}
.hero-grid{display:grid;gap:clamp(30px,4vw,54px);grid-template-columns:1fr}
@media(min-width:960px){.hero-grid{grid-template-columns:1.08fr .92fr;align-items:center}}
.trust-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:30px;padding:0;list-style:none}
.trust-row li{
  margin:0;display:inline-flex;align-items:center;gap:8px;padding:8px 15px;border-radius:999px;
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);
  font-size:.85rem;font-weight:600;color:#d5e0f1;
}
.trust-row li svg{color:var(--gold-300)}

/* quote card */
.quote-card{
  background:#fff;color:var(--ink);border-radius:var(--radius-l);padding:clamp(24px,3vw,34px);
  box-shadow:var(--shadow-l);border:1px solid rgba(255,255,255,.6);
}
.quote-card h2{font-size:1.5rem;margin-bottom:.3em}
.quote-card .hint{font-size:.9rem;color:var(--muted);margin-bottom:1.4em}
.field{margin-bottom:14px}
.field label{display:block;font-size:.82rem;font-weight:700;letter-spacing:.03em;color:var(--ink-2);margin-bottom:6px}
.field input,.field select,.field textarea{
  width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--radius-s);
  font:inherit;font-size:.96rem;color:var(--ink);background:var(--paper-2);transition:border-color .15s ease,background .15s ease;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--brand-500);background:#fff;outline:none}
.field textarea{min-height:104px;resize:vertical}
.field-row{display:grid;gap:14px;grid-template-columns:1fr 1fr}
@media(max-width:520px){.field-row{grid-template-columns:1fr}}
.form-note{font-size:.8rem;color:var(--muted);margin:14px 0 0;line-height:1.5}
.form-status{margin-top:14px;padding:12px 14px;border-radius:var(--radius-s);background:var(--brand-100);color:var(--brand-800);font-size:.9rem;font-weight:600;display:none}
.form-status.show{display:block}

/* ---------- cards ---------- */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:clamp(22px,2.4vw,30px);box-shadow:var(--shadow-s);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.card--link:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--brand-500)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.card .more{display:inline-flex;align-items:center;gap:7px;margin-top:14px;font-weight:650;font-size:.93rem;text-decoration:none}
.card .more::after{content:"\2192";transition:transform .18s ease}
.card--link:hover .more::after{transform:translateX(4px)}
.icon-badge{
  width:52px;height:52px;border-radius:15px;display:grid;place-items:center;margin-bottom:18px;
  background:linear-gradient(140deg,var(--brand-100),#fff);border:1px solid var(--line);color:var(--brand-700);
}
.section--ink .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.13);color:#c7d3e8;box-shadow:none}
.section--ink .icon-badge{background:rgba(217,164,65,.14);border-color:rgba(217,164,65,.3);color:var(--gold-300)}

/* stats */
.stats{display:grid;gap:clamp(16px,2vw,24px);grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}
.stat{padding:22px 24px;border-left:3px solid var(--gold-500);background:var(--paper-2);border-radius:0 var(--radius) var(--radius) 0}
.section--ink .stat{background:rgba(255,255,255,.05)}
.stat b{display:block;font-family:var(--serif);font-size:2.1rem;line-height:1;color:var(--brand-800);margin-bottom:6px}
.section--ink .stat b{color:var(--gold-300)}
.stat span{font-size:.9rem;color:var(--muted)}
.section--ink .stat span{color:#a6b5d0}

/* checklist */
.check{list-style:none;padding:0;margin:0 0 1.2em;display:grid;gap:12px}
.check li{position:relative;padding-left:34px;margin:0}
.check li::before{
  content:"";position:absolute;left:0;top:.34em;width:20px;height:20px;border-radius:50%;
  background-color:var(--brand-100);
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231b5340' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
  background-position:center;background-size:12px;background-repeat:no-repeat;
}
.section--ink .check li::before{
  background-color:rgba(217,164,65,.18);
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23f0d49a' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'><polyline points='20 6 9 17 4 12'/></svg>");
}

/* steps */
.steps{counter-reset:step;display:grid;gap:var(--gap);grid-template-columns:repeat(auto-fit,minmax(240px,1fr));list-style:none;padding:0;margin:36px 0 0}
.steps li{counter-increment:step;position:relative;padding:30px 26px 26px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin:0}
.steps li::before{
  content:counter(step,decimal-leading-zero);position:absolute;top:-16px;left:26px;
  width:40px;height:40px;border-radius:12px;display:grid;place-items:center;
  background:var(--brand-800);color:var(--gold-300);font-family:var(--serif);font-size:1rem;font-weight:600;
}
.steps h4{margin-top:8px}
.steps p{margin:0;font-size:.96rem;color:var(--muted)}

/* callout */
.callout{
  border-radius:var(--radius-l);padding:clamp(26px,3.4vw,44px);
  background:linear-gradient(135deg,var(--gold-100),#fff);border:1px solid var(--gold-300);
}
.callout--green{background:linear-gradient(135deg,var(--brand-100),#fff);border-color:#c3d2ea}
.callout p:last-child{margin-bottom:0}

/* table */
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:.95rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--paper-3);font-weight:700;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:var(--brand-800)}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--paper-2)}

/* accordion */
.accordion{display:grid;gap:12px}
details.qa{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:border-color .18s ease,box-shadow .18s ease}
details.qa[open]{border-color:var(--brand-500);box-shadow:var(--shadow-s)}
details.qa summary{
  cursor:pointer;list-style:none;padding:19px 56px 19px 24px;position:relative;
  font-weight:650;font-size:1.03rem;color:var(--brand-900);font-family:var(--sans);
}
details.qa summary::-webkit-details-marker{display:none}
details.qa summary::after{
  content:"";position:absolute;right:22px;top:50%;width:11px;height:11px;margin-top:-7px;
  border-right:2px solid var(--brand-600);border-bottom:2px solid var(--brand-600);
  transform:rotate(45deg);transition:transform .2s ease;
}
details.qa[open] summary::after{transform:rotate(-135deg);margin-top:-3px}
details.qa .qa-body{padding:0 24px 22px;color:var(--ink-2)}
details.qa .qa-body p:last-child,details.qa .qa-body ul:last-child{margin-bottom:0}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:9px;list-style:none;padding:0;margin:0}
.chips li{
  margin:0;padding:8px 16px;border-radius:999px;background:#fff;border:1px solid var(--line);
  font-size:.9rem;font-weight:600;color:var(--ink-2);
}
.section--ink .chips li{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#cddaee}

/* CTA band */
.cta-band{
  background:linear-gradient(135deg,var(--brand-800),var(--brand-600));color:#fff;
  border-radius:var(--radius-l);padding:clamp(30px,4vw,56px);box-shadow:var(--shadow-l);
  display:grid;gap:24px;align-items:center;
}
@media(min-width:820px){.cta-band{grid-template-columns:1.35fr .65fr}}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band p{color:#d5e2f5;margin:0;max-width:56ch}
.cta-band .btn-row{margin:0}
@media(min-width:820px){.cta-band .btn-row{justify-content:flex-end}}

/* interior page hero */
.page-hero{background:linear-gradient(150deg,#101f38,#1e3c6e);color:#cfdcee;padding:clamp(46px,6vw,84px) 0 clamp(40px,5vw,66px)}
.page-hero h1{color:#fff;margin-bottom:.35em}
.page-hero p{color:#b7c7e2;max-width:64ch;margin:0}
.crumbs{font-size:.84rem;color:#8ea2c2;margin:0 0 20px}
.crumbs a{color:#cfdcee;text-decoration:none}
.crumbs a:hover{color:var(--gold-300)}
.crumbs span{opacity:.6;padding:0 7px}

/* prose + sidebar */
.prose h2{margin-top:1.7em}
.prose h3{margin-top:1.6em}
.prose>*:first-child{margin-top:0}
.sidebar{display:grid;gap:18px}
@media(min-width:960px){.sidebar{position:sticky;top:110px}}
.side-card{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.side-card h4{margin-bottom:.7em}
.side-card ul{margin:0;padding-left:1.1em;font-size:.95rem}
.side-card p{font-size:.95rem}
.side-card p:last-child{margin-bottom:0}
.side-card--dark{background:var(--brand-800);border-color:var(--brand-700);color:#c7d3e8}
.side-card--dark h4{color:#fff}
.side-card--dark a{color:var(--gold-300)}
@media(min-width:960px){.with-side{display:grid;grid-template-columns:1fr 330px;gap:clamp(30px,4vw,56px);align-items:start}}

/* footer */
.site-footer{background:var(--brand-900);color:#a6b5d0;padding:clamp(48px,6vw,76px) 0 30px;font-size:.94rem}
.site-footer h4{color:#fff;font-size:.8rem;letter-spacing:.15em;text-transform:uppercase;margin-bottom:1.1em}
.site-footer a{color:#d3dff0;text-decoration:none}
.site-footer a:hover{color:var(--gold-300)}
.foot-grid{display:grid;gap:var(--gap);grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:.55em}
.foot-brand p{color:#98a9c6;max-width:36ch}
.foot-bottom{
  margin-top:44px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);
  display:flex;flex-wrap:wrap;gap:12px 26px;justify-content:space-between;font-size:.83rem;color:#8494b2;
}
.disclaimer{font-size:.78rem;color:#75849f;line-height:1.6;margin-top:20px;max-width:92ch}

/* sticky mobile call bar */
.callbar{
  position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;gap:1px;
  background:var(--brand-900);box-shadow:0 -6px 24px rgba(0,0,0,.18);
}
.callbar a{
  flex:1;display:flex;align-items:center;justify-content:center;gap:8px;padding:15px 8px;
  color:#fff;text-decoration:none;font-weight:650;font-size:.95rem;background:var(--brand-800);
}
.callbar a.alt{background:var(--gold-500);color:#38290b}
@media(max-width:720px){.callbar{display:flex}body{padding-bottom:56px}}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
  *{animation:none !important;transition:none !important}
  .reveal{opacity:1;transform:none}
  html{scroll-behavior:auto}
}

/* utility */
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
caption{text-align:left}