/* AY & Co. site styles. Navy and ivory, one accent. */
:root{
  --navy:#13233D; --navy-2:#1B3051; --ivory:#F7F4EE; --paper:#FFFFFF; --text:#1B2433; --muted:#5B6472; --rule:#E3DED5; --rule-2:#D5D0C6;
  --accent:#335F96; --accent-dark:#244A78; --accent-soft:#E7EDF5; --on-navy:#F7F4EE; --on-navy-muted:#B9C3D3;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif; --sans:"IBM Plex Sans","Helvetica Neue",Helvetica,Arial,sans-serif;
  --wrap:1160px; color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--ivory);color:var(--text);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:var(--accent)}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.narrow{max-width:760px}
h1,h2,h3{font-family:var(--serif);font-weight:400;letter-spacing:-.02em;color:var(--navy);margin:0}
h1{font-size:clamp(2.4rem,5.4vw,4.2rem);line-height:1.04}
h2{font-size:clamp(1.9rem,3.6vw,2.7rem);line-height:1.1}
h3{font-size:1.3rem;line-height:1.25;font-weight:600;letter-spacing:-.01em}
p{margin:0}
.eyebrow{font-family:var(--sans);font-size:.78rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);margin:0 0 16px}
.lede{font-size:1.12rem;color:var(--muted);max-width:60ch;margin-top:16px}
.muted{color:var(--muted)}
.small{font-size:.9rem}
section{padding-block:104px}
@media (max-width:720px){section{padding-block:68px}}
.paper{background:var(--paper)}
.rule-top{border-top:1px solid var(--rule)}

/* logo */
.logo{font-family:var(--serif);font-size:1.5rem;font-weight:400;letter-spacing:-.01em;color:var(--navy);text-decoration:none;white-space:nowrap}
.logo i{font-style:italic;color:var(--accent)}
.on-navy .logo,.logo.light{color:var(--on-navy)}
.on-navy .logo i,.logo.light i{color:#8FB0DA}

/* header */
.site-head{position:sticky;top:0;z-index:20;background:rgba(247,244,238,.94);backdrop-filter:saturate(1.4) blur(8px);-webkit-backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.site-head nav{display:flex;align-items:center;gap:28px}
.site-head nav a{color:var(--text);text-decoration:none;font-size:.95rem;font-weight:500}
.site-head nav a:hover{color:var(--accent)}
.site-head nav a.cta{background:var(--navy);color:#fff;padding:10px 18px;border-radius:4px}
.site-head nav a.cta:hover{background:var(--navy-2);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--rule-2);border-radius:4px;font:inherit;font-size:.9rem;font-weight:600;color:var(--navy);padding:9px 14px;min-height:44px;cursor:pointer}
@media (max-width:900px){
  .menu-btn{display:inline-block}
  .site-head nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--ivory);border-bottom:1px solid var(--rule);flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 20px}
  .site-head nav a{padding:14px 0;border-bottom:1px solid var(--rule)}
  .site-head nav a.cta{margin-top:14px;text-align:center;border-bottom:0}
  .site-head.open nav{display:flex}
}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-size:1rem;font-weight:600;text-decoration:none;padding:15px 26px;border-radius:4px;border:1.5px solid transparent;min-height:52px;cursor:pointer;line-height:1.2}
.btn.primary{background:var(--navy);color:#fff}
.btn.primary:hover{background:var(--navy-2)}
.btn.blue{background:var(--accent);color:#fff}
.btn.blue:hover{background:var(--accent-dark)}
.btn.line{border-color:var(--navy);color:var(--navy);background:transparent}
.btn.line:hover{background:var(--navy);color:#fff}
.on-navy .btn.line{border-color:rgba(247,244,238,.6);color:var(--on-navy)}
.on-navy .btn.line:hover{background:var(--on-navy);color:var(--navy)}
.on-navy .btn.light{background:var(--on-navy);color:var(--navy)}
.on-navy .btn.light:hover{background:#fff}
.btn[disabled]{opacity:.6;cursor:default}
.textlink{color:var(--accent);font-weight:600;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:1px}
.textlink:hover{color:var(--accent-dark)}
.row-btns{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

/* navy band */
.on-navy{background:var(--navy);color:var(--on-navy)}
.on-navy h1,.on-navy h2,.on-navy h3{color:var(--on-navy)}
.on-navy .eyebrow{color:#9DB8DD}
.on-navy .lede,.on-navy .muted{color:var(--on-navy-muted)}

/* cards */
.card{background:var(--paper);border:1px solid var(--rule);border-radius:6px;padding:32px}
@media (max-width:560px){.card{padding:22px}}

/* forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:600px){.form{grid-template-columns:1fr}}
.form .full{grid-column:1/-1}
.form label,.field-label{display:block;font-size:.9rem;font-weight:600;margin-bottom:7px;color:var(--navy)}
.form .hint{font-size:.85rem;color:var(--muted);margin-top:6px}
.form input,.form select,.form textarea{width:100%;font:inherit;font-size:16px;padding:13px 14px;border:1px solid var(--rule-2);border-radius:4px;background:#fff;color:var(--text);min-height:50px}
.form textarea{min-height:130px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px var(--accent-soft)}
.req{color:var(--accent)}
.msg{font-size:.95rem;min-height:1.3em}
.msg.err{color:#9B2C2C}
.msg.ok{color:var(--accent-dark)}
.fine{font-size:.84rem;color:var(--muted)}

/* footer */
.site-foot{background:var(--navy);color:var(--on-navy-muted);font-size:.92rem}
.site-foot .wrap{padding-block:64px 40px;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}
@media (max-width:760px){.site-foot .wrap{grid-template-columns:1fr;gap:28px}}
.site-foot h4{font-family:var(--sans);font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:#9DB8DD;margin:0 0 14px;font-weight:600}
.site-foot a{color:var(--on-navy);text-decoration:none}
.site-foot a:hover{text-decoration:underline}
.site-foot ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.site-foot .legal{grid-column:1/-1;border-top:1px solid rgba(247,244,238,.15);padding-top:22px;display:flex;flex-wrap:wrap;gap:12px 28px;justify-content:space-between;font-size:.84rem}
[hidden]{display:none!important}

/* light top sections */
.top-light{background:var(--paper);border-bottom:1px solid var(--rule)}
.top-light .lede{color:var(--muted)}
/* pension strip */
.pstrip{background:var(--accent-soft);border-bottom:1px solid #D3DEEC}
.pstrip .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 28px;padding-block:18px}
.pstrip p{color:var(--navy);font-size:1rem}
.pstrip p b{font-weight:600}
.pstrip .btn{min-height:44px;padding:10px 18px;font-size:.95rem}
.site-head nav a.hl{color:var(--accent);font-weight:600}