/* United Trust Life — product pages theme (matches main site) */
:root{
  --navy:#0B2545; --navy-2:#142C52; --navy-3:#0F1A38;
  --gold:#DAA566; --gold-2:#C9A94A;
  --red:#C8202E; --red-dk:#9B1823;
  --cream:#faf9f5; --cream-2:#F4EEE2; --paper:#fff;
  --ink:#0E1116; --muted:#5b616b; --line:rgba(11,37,69,.10);
  --shadow:0 18px 50px -18px rgba(11,37,69,.35);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--cream);font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Playfair Display',serif;line-height:1.05;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.22em;font-size:12px;font-weight:600;color:var(--red)}
.eyebrow.gold{color:var(--gold-2)}
.btn{display:inline-flex;align-items:center;gap:.5em;font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.12em;font-weight:600;font-size:14px;padding:14px 26px;border-radius:12px;cursor:pointer;border:none;transition:transform .15s,background .2s,color .2s}
.btn-red{background:var(--red);color:#fff;box-shadow:0 8px 22px -8px rgba(200,32,46,.6)}
.btn-red:hover{background:var(--red-dk);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-2)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2);transform:translateY(-2px)}

/* topbar */
.topbar{background:var(--navy-3);color:var(--cream-2);font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.14em;font-size:11px;text-align:center;padding:8px 16px}
.topbar b{color:var(--gold)}
/* nav */
nav.site{position:sticky;top:0;z-index:50;background:rgba(250,249,245,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px}
.brand img{height:38px;width:auto}
.brand .bn{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.16em;font-size:13px;font-weight:600;color:var(--navy);line-height:1.2}
.nav-links{display:flex;gap:28px;align-items:center;font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.08em;font-size:13px;font-weight:500}
.nav-links a{color:var(--navy);transition:color .2s}
.nav-links a:hover{color:var(--red)}
.nav-links .nav-cta{background:var(--red);color:#fff;padding:13px 26px;border-radius:12px}
.nav-links .nav-cta:hover{background:var(--red-dk);color:#fff}
/* hamburger */
.nav-right{display:flex;align-items:center;gap:28px}
.nav-menu{display:flex;align-items:center;gap:28px}
.nav-actions{display:flex;align-items:center;gap:14px}
.navtog{display:none}
.hamb{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;border:1.5px solid var(--line);border-radius:10px;background:#fff;cursor:pointer}
.hamb span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px}
@media(max-width:820px){.topbar{font-size:11px;letter-spacing:.03em}.nav-in{flex-wrap:wrap;height:auto;align-items:center;padding:12px 0}.hamb{display:flex;margin-left:auto}.nav-right{order:3;width:100%;flex-direction:column;align-items:stretch;gap:0;margin-top:12px}.nav-actions{order:1;width:100%}.nav-actions .nav-cta{width:100%;justify-content:center}.nav-right .nav-menu{order:2;display:none;flex-direction:column;width:100%;margin-top:8px}.nav-menu a{padding:13px 4px;border-top:1px solid var(--line);text-transform:uppercase;font-family:'Oswald',sans-serif;letter-spacing:.06em;font-size:14px}.navtog:checked ~ .nav-right .nav-menu{display:flex}}

/* hero */
.phero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-3) 100%);color:var(--cream);padding:72px 0 64px;position:relative;overflow:hidden}
.phero::after{content:"";position:absolute;right:-10%;top:-30%;width:520px;height:520px;background:radial-gradient(circle,rgba(218,165,102,.18),transparent 60%);pointer-events:none}
.phero .eyebrow{color:var(--gold)}
.phero h1{font-size:clamp(38px,6vw,68px);color:var(--cream);margin:18px 0 0;max-width:16ch}
.phero .sub{font-size:clamp(17px,2vw,21px);color:rgba(247,242,232,.85);max-width:60ch;margin:22px 0 30px}
.phero .actions{display:flex;gap:14px;flex-wrap:wrap}
.crumb{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.12em;font-size:11px;color:rgba(247,242,232,.55);margin-bottom:6px}
.crumb a{color:rgba(247,242,232,.7)}

/* claims band */
.claims{background:var(--navy-3);color:var(--cream-2);border-top:1px solid rgba(218,165,102,.18)}
.claims-in{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(218,165,102,.16)}
.claims .c{background:var(--navy-3);padding:26px 20px;text-align:center}
.claims .c .n{font-family:'Playfair Display',serif;font-weight:800;font-size:clamp(26px,4vw,40px);color:var(--gold)}
.claims .c .l{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.1em;font-size:11px;color:rgba(247,242,232,.7);margin-top:6px}
.claims .attr{grid-column:1/-1;background:var(--navy-3);text-align:center;font-size:11px;color:rgba(247,242,232,.45);padding:10px 16px;border-top:1px solid rgba(218,165,102,.12)}
@media(max-width:680px){.claims-in{grid-template-columns:1fr}}

/* sections */
section.block{padding:72px 0}
.tag{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.2em;font-size:12px;font-weight:600;color:var(--red);margin-bottom:14px}
h2.sec{font-size:clamp(28px,4.5vw,46px);color:var(--navy);max-width:18ch}
.lead{font-size:18px;color:#2c313a;max-width:68ch;margin-top:16px;line-height:1.75}
.lead strong{color:var(--navy)}
.two{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
@media(max-width:820px){.two{grid-template-columns:1fr;gap:30px}}

/* benefits */
.benefits{list-style:none;margin-top:22px;display:grid;gap:2px}
.benefits li{display:flex;gap:14px;padding:18px 0;border-bottom:1px solid var(--line);font-size:16.5px}
.benefits li .ck{flex:0 0 auto;width:26px;height:26px;border-radius:6px;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:800;font-size:14px}
.benefits li b{color:var(--navy)}

/* who-for card */
.whocard{background:var(--navy);color:var(--cream-2);border-radius:12px;padding:32px;box-shadow:var(--shadow)}
.whocard h3{color:var(--cream);font-size:24px;margin-bottom:12px}
.whocard p{color:rgba(247,242,232,.82);font-size:15.5px;margin-bottom:10px}
.whocard .pill{display:inline-block;font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.08em;font-size:11px;color:var(--navy);background:var(--gold);padding:5px 11px;border-radius:100px;margin:4px 4px 0 0}

/* ways to apply */
.ways{background:var(--cream-2)}
.ways-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:36px}
.way{background:var(--paper);border:1px solid var(--line);border-radius:10px;padding:24px}
.way .ic{font-size:22px}
.way h3{font-size:19px;color:var(--navy);margin:12px 0 6px}
.way p{font-size:14.5px;color:var(--muted)}
@media(max-width:820px){.ways-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.ways-grid{grid-template-columns:1fr}}

/* faq */
.pfaq details{border-bottom:1px solid var(--line);padding:20px 0}
.pfaq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.02em;font-weight:600;font-size:17px;color:var(--navy)}
.pfaq summary::-webkit-details-marker{display:none}
.pfaq summary .pm{color:var(--red);font-family:'Playfair Display',serif;font-size:1.6rem;line-height:1;transition:transform .2s}
.pfaq details[open] summary .pm{transform:rotate(45deg)}
.pfaq p{color:#44474e;margin-top:12px;font-size:16px;max-width:70ch}

/* quote form */
.quote{background:linear-gradient(160deg,var(--navy-2),var(--navy-3));color:var(--cream)}
.quote-in{display:grid;grid-template-columns:.9fr 1.1fr;gap:46px;align-items:start;padding:72px 0}
.quote h2{color:var(--cream);font-size:clamp(28px,4vw,44px)}
.quote .lead{color:rgba(247,242,232,.82)}
.quote ul{list-style:none;margin-top:18px;display:grid;gap:10px}
.quote ul li{display:flex;gap:10px;font-size:15px;color:rgba(247,242,232,.9)}
.quote ul li b{color:var(--gold)}
form.q{background:var(--paper);border-radius:14px;padding:28px;color:var(--ink)}
form.q .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
form.q .f{margin-bottom:14px}
form.q .f.full{grid-column:1/-1}
form.q label{display:block;font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.08em;font-size:11px;font-weight:600;color:var(--navy);margin-bottom:6px}
form.q input,form.q select{width:100%;padding:13px 14px;border:1.5px solid #d8d4c8;border-radius:10px;background:#fdfcf9;font:inherit;font-size:15px;color:var(--ink)}
form.q input:focus,form.q select:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 3px rgba(200,32,46,.1)}
form.q .hp{position:absolute;left:-9999px}
form.q button{width:100%;justify-content:center;margin-top:6px;font-size:15px;padding:16px}
form.q .fine{font-size:12px;color:var(--muted);margin-top:12px;text-align:center}
.qsuccess{display:none;text-align:center;padding:26px}
.qsuccess.show{display:block}
.qsuccess .big{font-family:'Playfair Display',serif;font-size:30px;color:var(--navy);margin-bottom:8px}
@media(max-width:820px){.quote-in{grid-template-columns:1fr;gap:30px;padding:56px 0}}

/* related */
.rel{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.rel a{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.06em;font-size:12.5px;color:var(--navy);border:1px solid var(--line);border-radius:100px;padding:9px 16px;transition:all .2s}
.rel a:hover{border-color:var(--gold);color:var(--gold-2)}

/* footer */
footer.site{background:var(--navy-3);color:rgba(247,242,232,.6);padding:48px 0 36px;border-top:1px solid rgba(218,165,102,.16)}
.foot-top{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:center;padding-bottom:22px;border-bottom:1px solid rgba(218,165,102,.12)}
.foot-top .brand .bn{color:var(--cream-2)}
.foot-links{display:flex;gap:22px;flex-wrap:wrap;font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.08em;font-size:12.5px}
.foot-links a{color:rgba(247,242,232,.72)}
.foot-links a:hover{color:var(--gold)}
.disc{font-size:11.5px;line-height:1.7;color:rgba(247,242,232,.4);margin-top:22px;max-width:980px}

/* product hub */
.hubcat{margin-top:48px}
.hubcat h2{font-size:clamp(24px,3.5vw,34px);color:var(--navy);display:flex;align-items:baseline;gap:12px}
.hubcat h2 span{font-family:'Oswald',sans-serif;font-size:12px;letter-spacing:.12em;color:var(--muted);text-transform:uppercase}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:22px}
.pcard{display:block;background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:26px;transition:transform .2s,border-color .2s,box-shadow .2s}
.pcard:hover{transform:translateY(-4px);border-color:var(--gold);box-shadow:var(--shadow)}
.pcard h3{font-size:21px;color:var(--navy);margin-bottom:8px}
.pcard p{font-size:14.5px;color:var(--muted)}
.pcard .go{font-family:'Oswald',sans-serif;text-transform:uppercase;letter-spacing:.08em;font-size:12px;color:var(--red);margin-top:14px;display:inline-block}
@media(max-width:820px){.cards{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.cards{grid-template-columns:1fr}}