/* Buffalo Senior Advisor — buffalosenioradvisor.com
   Palette: steel harbor-blue + marigold amber (distinct from every sibling site:
   Austin teal/amber, Cleveland lake-blue/brick, Indy maroon/gold, Mpls indigo-plum/sage,
   Columbus forest/persimmon). Chat widget prefix: buf*. */

:root{
  --harbor:#24425C;
  --harbor-dark:#152C3E;
  --marigold:#D98A2B;
  --marigold-dark:#B06E1E;
  --cream:#F8F5EF;
  --ink:#22262B;
  --ink-soft:#525A61;
  --line:#DCE1E6;
  --card:#FFFFFF;
  --gold:#E3A857;
  --maxw:1180px;
  font-size:16px;
}
*{box-sizing:border-box;}
html,body{margin:0;padding:0;}
body{
  font-family:"Georgia",Cambria,"Times New Roman",serif;
  color:var(--ink);
  background:var(--cream);
  line-height:1.6;
}
h1,h2,h3,h4,.nav a,.btn,.chip,.topbar,.foot-cols h4{
  font-family:"Trebuchet MS",Helvetica,Arial,sans-serif;
}
a{color:var(--harbor-dark);}
a:hover{color:var(--marigold-dark);}
img{max-width:100%;display:block;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px;}

/* ---- Topbar ---- */
.topbar{background:var(--harbor-dark);color:#fff;font-size:.85rem;}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding:6px 20px;flex-wrap:wrap;gap:6px;}
.topbar a{color:#F3E3D3;text-decoration:none;font-weight:600;}

/* ---- Header / nav ---- */
header.site{background:var(--harbor);color:#fff;position:sticky;top:0;z-index:40;}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;}
.logo{font-size:1.35rem;font-weight:800;color:#fff;text-decoration:none;letter-spacing:.2px;display:inline-flex;align-items:center;gap:10px;}
.logo::before{
  content:"B";display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;
  width:34px;height:34px;border-radius:9px;background:var(--marigold);color:#fff;
  font-family:Georgia,serif;font-weight:800;font-size:1.05rem;
  box-shadow:0 2px 6px rgba(0,0,0,.3);
}
.logo span{color:var(--gold);}
nav.main{display:flex;gap:18px;flex-wrap:wrap;}
nav.main a{color:#F4EFE7;text-decoration:none;font-size:.92rem;font-weight:600;padding:6px 2px;}
nav.main a:hover{color:var(--gold);}
.navtoggle{display:none;background:none;border:1px solid #fff;color:#fff;border-radius:6px;padding:8px 10px;font-size:1rem;}
@media(max-width:820px){
  nav.main{display:none;flex-direction:column;width:100%;background:var(--harbor-dark);padding:10px 20px;position:absolute;top:100%;left:0;}
  nav.main.open{display:flex;}
  header.site .wrap{flex-wrap:wrap;position:relative;}
  .navtoggle{display:inline-block;}
}

/* ---- Trustbar ---- */
.trustbar{background:#EAEEF1;border-bottom:1px solid var(--line);font-size:.85rem;color:var(--ink-soft);}
.trustbar .wrap{display:flex;gap:22px;padding:8px 20px;flex-wrap:wrap;}

/* ---- Breadcrumbs ---- */
.crumbs{font-size:.82rem;color:var(--ink-soft);padding:14px 0 0;}
.crumbs a{color:var(--ink-soft);text-decoration:none;}
.crumbs a:hover{color:var(--marigold-dark);}

/* ---- Layout ---- */
.layout{padding:18px 0 50px;}
article h1{font-size:2rem;color:var(--harbor-dark);margin:.2em 0 .3em;}
article h2{font-size:1.35rem;color:var(--harbor-dark);margin:1.4em 0 .5em;border-left:4px solid var(--marigold);padding-left:10px;}
article h3{font-size:1.1rem;color:var(--harbor-dark);}
.dek{font-size:1.1rem;color:var(--ink-soft);}
.meta-line{font-size:.85rem;color:var(--ink-soft);margin-bottom:1.2em;}

.note{background:#EAEEF1;border-left:4px solid var(--harbor);padding:12px 16px;border-radius:6px;margin:1.2em 0;font-size:.95rem;}
.callout{background:#FBF0E1;border-left:4px solid var(--marigold);padding:12px 16px;border-radius:6px;margin:1.2em 0;}
.grid{display:grid;gap:16px;}
.grid.cols-2{grid-template-columns:1fr 1fr;}
.grid.cols-3{grid-template-columns:repeat(3,1fr);}
@media(max-width:760px){.grid.cols-2,.grid.cols-3{grid-template-columns:1fr;}}

.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease;box-shadow:0 1px 3px rgba(21,44,62,.07);}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 26px rgba(21,44,62,.15);border-color:var(--marigold);}
.card h3{margin-top:0;}
.card h3 a{text-decoration:none;color:var(--harbor-dark);}
.card h3 a:hover{color:var(--marigold-dark);}
.card a.stretched{text-decoration:none;color:inherit;}

/* ---- Page hero band (homepage + major hub pages) ---- */
.pagehero{background:linear-gradient(160deg,var(--harbor) 0%,var(--harbor-dark) 100%);color:#fff;position:relative;overflow:hidden;padding:8px 0 34px;}
.pagehero::after{
  content:"";position:absolute;right:-60px;top:-60px;width:320px;height:320px;
  background:radial-gradient(circle at 35% 35%, rgba(227,168,87,.20), transparent 62%);
  pointer-events:none;
}
.pagehero .wrap{position:relative;}
.pagehero .crumbs{color:#F4EFE7;opacity:.8;}
.pagehero .crumbs a{color:#F4EFE7;}
.pagehero h1{color:#fff;margin:.3em 0 .22em;}
.pagehero .dek{color:#F0EBDD;font-size:1.15rem;max-width:660px;margin:0;}
.pagehero .trustline{display:flex;flex-wrap:wrap;gap:20px;margin:18px 0 0;font-size:.88rem;color:#F0EBDD;list-style:none;padding:0;}
.pagehero .trustline b{color:#fff;}
.pagehero .herocallout{
  margin-top:22px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.2);
  border-left:4px solid var(--marigold);border-radius:10px;padding:16px 18px;max-width:660px;font-size:.95rem;
}
.pagehero .herocallout b{color:#fff;}
.pagehero .herobtns{margin-top:18px;display:flex;gap:12px;flex-wrap:wrap;}
.pagehero .btn.ghost-light{background:transparent;border:2px solid rgba(255,255,255,.55);color:#fff;}
.pagehero .btn.ghost-light:hover{background:rgba(255,255,255,.12);}
@media(max-width:760px){.pagehero{padding:6px 0 26px;}}

/* ---- Numbered step cards ---- */
.steps{display:grid;gap:20px;grid-template-columns:repeat(3,1fr);margin:1.6em 0;}
@media(max-width:760px){.steps{grid-template-columns:1fr;}}
.step{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px 20px;text-align:center;box-shadow:0 1px 3px rgba(21,44,62,.06);}
.stepnum{width:52px;height:52px;border-radius:50%;background:#EAEEF1;color:var(--harbor-dark);font-weight:800;font-size:1.3rem;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;border:2px solid var(--marigold);font-family:Georgia,serif;}
.step h3{margin:.2em 0;}

.btn{display:inline-block;background:var(--marigold);color:#fff;padding:12px 22px;border-radius:8px;text-decoration:none;font-weight:700;border:none;cursor:pointer;font-size:1rem;}
.btn:hover{background:var(--marigold-dark);color:#fff;}
.btn.ghost{background:transparent;border:2px solid var(--harbor);color:var(--harbor-dark);}

.bigcta{background:var(--harbor);color:#fff;border-radius:14px;padding:32px;text-align:center;margin:2.4em 0;}
.bigcta h2{color:#fff;border:none;padding:0;}
.bigcta .btn{margin-top:10px;}

table{width:100%;border-collapse:collapse;margin:1em 0;}
table th,table td{border:1px solid var(--line);padding:8px 10px;text-align:left;font-size:.92rem;}
table th{background:#EAEEF1;}

.faq-item{border-bottom:1px solid var(--line);padding:14px 0;}
.faq-item h3{margin:0 0 6px;}

.chiplist{display:flex;flex-wrap:wrap;gap:8px;margin:1em 0;}
.chip{background:#EAEEF1;border-radius:999px;padding:5px 13px;font-size:.85rem;text-decoration:none;color:var(--harbor-dark);}
.chip:hover{background:var(--harbor);color:#fff;}

/* ---- Footer ---- */
footer.site{background:var(--harbor-dark);color:#E9E3D8;margin-top:40px;}
footer.site .wrap{padding:36px 20px 22px;}
.foot-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
@media(max-width:760px){.foot-cols{grid-template-columns:1fr 1fr;}}
.foot-cols h4{color:#fff;font-size:.95rem;margin:0 0 10px;}
.foot-cols a{color:#CBD3D8;text-decoration:none;font-size:.88rem;display:block;margin-bottom:6px;}
.foot-cols a:hover{color:var(--gold);}
.foot-latest{border-top:1px solid #2C4A61;margin-top:22px;padding-top:16px;font-size:.85rem;}
.foot-bottom{border-top:1px solid #2C4A61;margin-top:22px;padding-top:16px;font-size:.8rem;color:#A9B3B9;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.foot-bottom a{color:#A9B3B9;}

/* ---- Chat widget: visible advisor card by default (right-positioned, network standard) ---- */
.bufchat{position:fixed;right:18px;bottom:18px;z-index:60;font-family:"Trebuchet MS",Helvetica,Arial,sans-serif;max-width:300px;}
.bufchat button.buflauncher{background:var(--marigold);color:#fff;border:none;border-radius:999px;padding:14px 20px;font-weight:800;font-size:.95rem;box-shadow:0 6px 18px rgba(0,0,0,.25);cursor:pointer;}
.bufchat button.buflauncher:hover{background:var(--marigold-dark);}
@media(max-width:820px){.bufchat{right:14px;bottom:14px;max-width:78vw;}.bufchat button.buflauncher{padding:12px 16px;font-size:.88rem;}}

.bufcard{background:#fff;border-radius:16px;box-shadow:0 14px 36px rgba(21,44,62,.3);border:1px solid var(--line);padding:18px 18px 16px;position:relative;animation:bufCardIn .35s ease;}
@keyframes bufCardIn{from{opacity:0;transform:translateY(14px);}to{opacity:1;transform:translateY(0);}}
.bufcardclose{position:absolute;top:8px;right:10px;background:none;border:none;font-size:1.2rem;line-height:1;color:var(--ink-soft);cursor:pointer;padding:4px;}
.bufcardclose:hover{color:var(--marigold-dark);}
.bufcardhead{display:flex;align-items:center;gap:10px;margin-bottom:10px;padding-right:14px;}
.bufavatar{width:44px;height:44px;border-radius:50%;background:var(--marigold);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.2rem;flex-shrink:0;font-family:Georgia,serif;overflow:hidden;}
.bufavatar img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block;}
.bufcardname{font-weight:800;color:var(--harbor-dark);font-size:.98rem;line-height:1.2;}
.bufcardrole{font-size:.76rem;color:var(--ink-soft);}
.bufcardmsg{background:#EAEEF1;border-radius:10px;padding:10px 12px;font-size:.86rem;margin:0 0 10px;line-height:1.45;}
.bufchecklist{list-style:none;margin:0 0 12px;padding:0;font-size:.83rem;}
.bufchecklist li{padding:3px 0 3px 22px;position:relative;}
.bufchecklist li::before{content:"\2713";position:absolute;left:0;color:var(--marigold);font-weight:800;}
.bufcardbtn{width:100%;text-align:center;font-size:.9rem;padding:11px;box-sizing:border-box;}
.bufcardcall{text-align:center;font-size:.78rem;margin:10px 0 0;color:var(--ink-soft);}
@media(max-width:820px){.bufcard{padding:14px 14px 12px;}}

.bufoverlay{position:fixed;inset:0;background:rgba(21,44,62,.55);z-index:70;display:none;align-items:center;justify-content:center;padding:16px;}
.bufoverlay.show{display:flex;}
.bufmodal{background:#fff;border-radius:14px;max-width:480px;width:100%;max-height:86vh;overflow-y:auto;padding:22px;position:relative;}
.bufmodal h3{margin-top:0;color:var(--harbor-dark);}
.bufmodal .bufclose{position:absolute;top:14px;right:16px;background:none;border:none;font-size:1.3rem;cursor:pointer;color:var(--ink-soft);}
.bufq{margin:14px 0;}
.bufopt{display:block;width:100%;text-align:left;background:#EAEEF1;border:1px solid var(--line);border-radius:8px;padding:10px 14px;margin:8px 0;cursor:pointer;font-size:.95rem;}
.bufopt:hover{background:var(--harbor);color:#fff;}
.bufform input,.bufform select{width:100%;padding:10px;border:1px solid var(--line);border-radius:8px;margin:6px 0 14px;font-size:.95rem;}
.bufform label{font-size:.85rem;color:var(--ink-soft);}