/* Anchor Point Financial — standalone stylesheet.
   Deliberately shares NO files with the Medicare site.
   Palette is charcoal + crimson so the two sites are visibly distinct. */

:root{
  --char:#1c2126;--char2:#2b333c;--crim:#9e2a2b;--crim2:#c14b4c;
  --ink:#1f262e;--muted:#5d6874;--paper:#ffffff;--soft:#f6f5f3;--line:#e2ddd7;
  --success:#1f7a4d;--shadow:0 16px 40px rgba(28,33,38,.12);--radius:18px;
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.62}
a{color:inherit} img{max-width:100%;display:block}
.container{width:min(1160px,92%);margin-inline:auto}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;z-index:1000;background:#fff;padding:10px 14px;border-radius:8px}

/* Top bar + header */
.topbar{background:#151a1f;color:#e8e5e1;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0;flex-wrap:wrap}
.topbar a{text-decoration:none;color:#fff}
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:82px}
/* Logo lockup: the real Anchor Point Benefit Group mark plus a FINANCIAL
   tag, so this reads as the same company's financial site. */
.wordmark{display:flex;align-items:center;gap:12px;text-decoration:none}
.wordmark img{width:270px;max-height:76px;object-fit:contain}
.wordmark .tag{font-size:.7rem;text-transform:uppercase;letter-spacing:.17em;font-weight:900;color:var(--crim);border-left:2px solid var(--crim);padding-left:11px;line-height:1.25;white-space:nowrap}
.menu{display:flex;align-items:center;gap:6px}
.menu a{text-decoration:none;font-weight:650;padding:10px 11px;border-radius:10px;color:#3a434e;font-size:.96rem}
.menu a:hover,.menu a.active{background:#f4efee;color:var(--crim)}
.mobile-toggle{display:none;background:none;border:0;font-size:1.6rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:13px 20px;text-decoration:none;font-weight:800;cursor:pointer;transition:.2s}
.btn-primary{background:linear-gradient(135deg,var(--crim),var(--crim2));color:#fff;box-shadow:0 8px 24px rgba(158,42,43,.28)}
.btn-primary:hover{transform:translateY(-1px)}
.btn-secondary{background:var(--char);color:#fff}
.btn-light{background:#fff;color:var(--char);border:1px solid var(--line)}
.btn-large{padding:16px 24px;font-size:1rem}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}

/* Hero */
.eyebrow{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.78rem;color:var(--crim2)}
.hero{background:radial-gradient(circle at 78% 18%,rgba(193,75,76,.20),transparent 34%),linear-gradient(135deg,#171c21,#2f3a44);color:#fff;overflow:hidden;position:relative}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:46px;align-items:center;padding:78px 0}
.hero h1{font-size:clamp(2.4rem,4.6vw,4.3rem);line-height:1.04;margin:.35em 0 .28em;letter-spacing:-.04em}
.hero-lead{font-size:1.18rem;color:#dcd8d4;max-width:700px}
.hero-proof{display:flex;flex-wrap:wrap;gap:18px;margin-top:24px;color:#ddd8d4;font-weight:700;font-size:.93rem}
.photo-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:26px;padding:16px;box-shadow:var(--shadow)}
.photo-card img{border-radius:16px}
.photo-caption{display:grid;gap:3px;padding:16px 8px 6px;color:#e6e2de;font-size:.9rem}
.photo-caption strong{font-size:1.05rem;color:#fff}

/* Promise band */
.promise{background:var(--soft);border-bottom:1px solid var(--line)}
.promise-card{background:#fff;border:1px solid var(--line);border-left:6px solid var(--crim);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow);max-width:960px;margin-inline:auto}
.promise-card h2{margin:.2em 0 .5em;font-size:clamp(1.5rem,2.4vw,2.1rem);line-height:1.22;color:var(--char)}
.promise-card p{color:var(--muted)}
.text-link{font-weight:800;color:var(--crim);text-decoration:none}

/* Sections + cards */
section{padding:72px 0}
.section-head{max-width:760px;margin-bottom:34px}
.section-head h2{font-size:clamp(1.9rem,3vw,2.8rem);line-height:1.12;margin:.2em 0;color:var(--char)}
.section-head p{color:var(--muted);font-size:1.06rem}
.soft{background:var(--soft)}
.journey-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.journey-card{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(28,33,38,.06);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.journey-card:hover{transform:translateY(-3px);box-shadow:0 18px 42px rgba(28,33,38,.11);border-color:#d6cec6}
.journey-card>span{font-size:1.7rem;display:block;margin-bottom:10px}
.journey-card h3{margin:.2em 0;color:var(--char)}
.journey-card p{color:var(--muted);margin:0;font-size:.97rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 10px 30px rgba(28,33,38,.06)}
.card h3{margin-top:0;color:var(--char)}.card p{color:var(--muted)}
.icon{width:48px;height:48px;border-radius:14px;background:#f4efee;display:grid;place-items:center;font-size:1.35rem;margin-bottom:16px}

/* Separation notice — the compliance-critical block */
.separation{background:var(--char);color:#e8e5e1}
.separation h2{color:#fff;margin-top:0;font-size:clamp(1.5rem,2.4vw,2.1rem)}
.separation-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);padding:32px;max-width:900px}
.separation-card p{color:#d3cfcb}
.separation-card a{color:#fff;font-weight:800}

/* CTA band */
.cta-band{background:linear-gradient(135deg,#171c21,#3a454f);color:#fff}
.cta-card{display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center}
.cta-card h2{margin:.2em 0;font-size:clamp(1.6rem,2.6vw,2.3rem);line-height:1.18}

/* Footer */
footer{background:#151a1f;color:#d8d4d0;padding:52px 0 24px}
footer .grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer a{color:#fff;text-decoration:none}
footer h3{color:#fff;font-size:1rem;margin-bottom:.6em}
footer small{color:#a8a29c}
.footer-bottom{border-top:1px solid rgba(255,255,255,.13);margin-top:30px;padding-top:20px}
.footer-mark img{width:300px;max-width:100%;margin-bottom:10px}
.footer-mark .tag{display:inline-block;font-size:.7rem;text-transform:uppercase;letter-spacing:.17em;font-weight:900;color:var(--crim2);margin-bottom:14px}

@media(max-width:960px){
  .wordmark img{width:225px}
  .menu{display:none;position:absolute;left:4%;right:4%;top:78px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}
  .menu.open{display:flex}.mobile-toggle{display:block}.menu .btn{width:100%}
  .hero .container,.journey-grid,.grid-3,.cta-card,footer .grid{grid-template-columns:1fr}
  .hero .container{padding:56px 0}
}
@media(max-width:580px){section{padding:54px 0}.topbar .container{justify-content:center}.hero h1{font-size:2.4rem}.actions .btn{width:100%}}

/* Interior page furniture */
.page-hero{background:radial-gradient(circle at 82% 22%,rgba(193,75,76,.18),transparent 36%),linear-gradient(135deg,#171c21,#333e48);color:#fff;padding:66px 0;position:relative;overflow:hidden}
.page-hero h1{font-size:clamp(2.1rem,3.6vw,3.4rem);margin:.2em 0;line-height:1.08;letter-spacing:-.03em}
.page-hero p{max-width:760px;color:#dcd8d4;font-size:1.1rem;margin-bottom:0}
.content{max-width:850px}
.content h2{margin-top:2em;color:var(--char);font-size:clamp(1.35rem,2.1vw,1.85rem)}
.content h3{color:var(--char);margin-top:1.6em}
.content ul,.content ol{padding-left:1.25rem}
.content li{margin:.5em 0}
.notice{background:#fdf6f0;border:1px solid #e8d3c4;border-left:5px solid var(--crim);border-radius:14px;padding:18px 20px;margin:26px 0}
.notice strong{color:var(--char)}
.faq details{border:1px solid var(--line);border-radius:14px;padding:18px 20px;background:#fff;margin:12px 0}
.faq summary{font-weight:800;cursor:pointer;color:var(--char)}
.faq details[open] summary{margin-bottom:10px}
.quote{font-size:1.18rem;color:#2f3a45;border-left:5px solid var(--crim);padding-left:22px;margin:26px 0}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.steps{counter-reset:step}
.step{position:relative;padding-left:66px;margin:26px 0}
.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--crim);color:#fff;font-weight:900}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:30px;align-items:start}
.contact-panel{background:var(--char);color:#fff;border-radius:22px;padding:30px}
.contact-panel a{color:#fff}
.contact-panel h3{color:#fff;margin-top:0}
.about-grid{display:grid;grid-template-columns:320px 1fr;gap:38px;align-items:start}
.about-photo{border-radius:22px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
@media(max-width:960px){.grid-2,.contact-grid,.about-grid{grid-template-columns:1fr}}