/* NFIRA Academy Access — visual tokens (mirrors Education Center). */
:root{
  --navy:#0B1F36;
  --slate:#263B4E;
  --blue:#1D4990;
  --blue-hot:#0177E3;
  --gold:#C9A227;
  --cream:#F6F3EA;
  --cream-soft:#F0EEE9;
  --white:#FFFFFF;
  --ice:#E8EEF4;
  --card-body:#2C3A4A;
  --muted:#5a6a7a;
  --border:#C5D0DE;
  --radius-btn:8px;
  --radius-card:12px;
  --max:1100px;
  --pad:clamp(20px,4vw,24px);
  --bookings:https://bookings.cloud.microsoft/book/NFIRetirementAcademy@NETORGFT20913060.onmicrosoft.com/?ismsaljsauthenabled;
  --err:#9B2C2C;
  --ok:#1B6B3A;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Poppins,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--cream);
  color:var(--card-body);
  font-size:18px;
  line-height:1.62;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-hot)}
.wrap{width:min(var(--max),100%);margin:0 auto;padding:0 var(--pad)}
.wrap-narrow{width:min(560px,100%);margin:0 auto;padding:0 var(--pad)}
.wrap-mid{width:min(720px,100%);margin:0 auto;padding:0 var(--pad)}
.eyebrow{
  display:inline-block;
  font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;
  color:var(--gold);margin:0 0 12px;
}
.eyebrow.on-light{color:var(--blue)}
.rule{width:48px;height:2px;background:var(--gold);border:0;margin:0 0 18px}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);font-weight:600;margin:0 0 14px}
h1{font-size:clamp(1.75rem,3vw,2.35rem);font-weight:700}
h2{font-size:clamp(1.3rem,2.2vw,1.65rem)}
h3{font-size:1.08rem;margin-bottom:8px}
p{margin:0 0 1rem}
p:last-child{margin-bottom:0}
.muted{color:var(--muted)}
.lead{font-size:1.05rem;max-width:40rem}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  min-height:48px;padding:12px 24px;border-radius:var(--radius-btn);
  font-family:inherit;font-size:15px;font-weight:600;letter-spacing:.04em;
  text-transform:uppercase;border:2px solid transparent;cursor:pointer;
  text-align:center;line-height:1.25;text-decoration:none;
}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.btn-primary{background:var(--blue);color:var(--white)!important;border-color:var(--blue)}
.btn-primary:hover{background:var(--blue-hot);border-color:var(--blue-hot);color:var(--white)!important}
.btn-navy-outline{background:transparent;color:var(--navy)!important;border-color:var(--navy)}
.btn-navy-outline:hover{background:rgba(11,31,54,.05)}
.btn-gold-ghost{background:transparent;color:var(--gold)!important;border-color:var(--gold)}
.btn-ice-ghost{background:transparent;color:var(--ice)!important;border-color:var(--ice)}
.btn-block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:12px 14px;margin-top:22px}
.private-banner{
  background:#2a2210;color:#e8d9b8;font-size:10px;font-weight:600;letter-spacing:.08em;
  text-align:center;padding:5px 10px;text-transform:uppercase;border-bottom:1px solid rgba(201,162,39,.25);
}
.site-header{
  background:var(--cream);border-bottom:1px solid rgba(197,208,222,.55);
  position:sticky;top:0;z-index:50;
}
.header-inner{
  width:min(1180px,100%);margin:0 auto;padding:10px var(--pad);
  display:flex;align-items:center;justify-content:space-between;gap:16px;
}
.logo-link{display:flex;align-items:center;flex-shrink:0}
.logo-link img{height:48px;width:auto}
.nav{display:flex;align-items:center;gap:18px}
.nav-links{display:flex;gap:18px;align-items:center}
.nav-links a{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--slate);text-decoration:none}
.nav-links a:hover{color:var(--navy)}
.nav-links a.active{color:var(--navy);border-bottom:2px solid var(--gold);padding-bottom:2px}
.nav-ctas .btn{min-height:44px;padding:10px 18px;font-size:12px}
.menu-toggle{display:none;background:var(--navy);color:var(--ice);border:0;border-radius:8px;min-height:44px;padding:0 14px;font-weight:600;font-family:inherit;font-size:13px;cursor:pointer}
.mobile-schedule-bar{display:none}
@media (max-width:922px){
  .nav-links{display:none}
  .menu-toggle{display:inline-flex;align-items:center}
}
@media (max-width:560px){
  .nav-ctas{display:none}
  .logo-link img{height:40px}
  .mobile-schedule-bar{
    display:block;position:fixed;left:0;right:0;bottom:0;z-index:45;
    background:var(--cream);border-top:1px solid rgba(197,208,222,.7);
    padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));
    box-shadow:0 -8px 24px rgba(11,31,54,.12);
  }
  .mobile-schedule-bar .btn{width:100%;min-height:48px}
  body{padding-bottom:76px}
}
.hero{
  background:linear-gradient(145deg,var(--navy) 0%,#122a45 55%,var(--slate) 100%);
  color:var(--ice);padding:48px 0 52px;
}
.hero h1{color:var(--ice)}
.hero p{color:rgba(232,238,244,.9);max-width:38rem;font-size:1.05rem}
.hero-cream{
  background:var(--cream);padding:40px 0 28px;border-bottom:1px solid var(--border);
}
.section{padding:40px 0 56px}
.section.alt{background:var(--white)}
.section.soft{background:var(--cream-soft)}
.section.slate{background:var(--slate);color:var(--ice)}
.section.slate h2,.section.slate h3{color:var(--ice)}
.card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-card);
  padding:28px 26px 26px;box-shadow:0 4px 20px rgba(11,31,54,.04);
}
.form-card{padding:32px 28px 28px}
.field{margin-bottom:18px}
.field label{
  display:block;font-size:14px;font-weight:600;color:var(--navy);margin-bottom:6px;
}
.field label .req{color:var(--blue);font-weight:600}
.field input,.field select{
  width:100%;min-height:48px;padding:12px 14px;border:1.5px solid var(--border);
  border-radius:8px;font-family:inherit;font-size:16px;color:var(--card-body);
  background:var(--white);appearance:none;
}
.field input:focus,.field select:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(29,73,144,.15);
}
.field .hint{font-size:13px;color:var(--muted);margin-top:6px;line-height:1.45}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.field-row{grid-template-columns:1fr}}
.disclosure{
  font-size:13px;color:var(--muted);line-height:1.5;margin:8px 0 18px;
  padding:14px 14px;background:var(--cream-soft);border-radius:8px;border:1px solid var(--border);
}
.disclosure strong{color:var(--slate);font-weight:600}
.check-row{
  display:flex;gap:10px;align-items:flex-start;margin:0 0 16px;font-size:14px;color:var(--card-body);
}
.check-row input{width:20px;height:20px;margin-top:2px;flex-shrink:0;accent-color:var(--blue)}
.turnstile-box{
  margin:8px 0 20px;padding:14px 16px;border:1px dashed var(--border);border-radius:8px;
  background:var(--cream-soft);font-size:13px;color:var(--muted);
  display:flex;align-items:center;gap:12px;min-height:56px;
}
.turnstile-box .box{
  width:24px;height:24px;border:2px solid var(--border);border-radius:4px;background:var(--white);flex-shrink:0;
}
.otp-row{display:flex;gap:10px;justify-content:center;margin:22px 0}
.otp-row input{
  width:48px;height:56px;text-align:center;font-size:22px;font-weight:600;
  border:1.5px solid var(--border);border-radius:8px;font-family:inherit;color:var(--navy);
}
.otp-row input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(29,73,144,.15)}
.status-pill{
  display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;
  letter-spacing:.04em;text-transform:uppercase;padding:6px 10px;border-radius:999px;
  background:rgba(29,73,144,.1);color:var(--blue);
}
.resource-grid{
  display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:24px;
}
@media (max-width:700px){.resource-grid{grid-template-columns:1fr}}
.resource-card{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-card);
  padding:20px 18px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit;
  transition:border-color .2s, box-shadow .2s;
}
.resource-card:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(11,31,54,.08);color:inherit}
.resource-card .tag{
  font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);
}
.resource-card h3{margin:0;font-size:1.02rem}
.resource-card p{font-size:15px;color:var(--muted);margin:0;flex:1}
.resource-card .go{font-size:13px;font-weight:600;color:var(--blue)}
.teaser-panel{
  display:grid;grid-template-columns:1.2fr .8fr;gap:24px;align-items:stretch;margin-top:28px;
}
@media (max-width:800px){.teaser-panel{grid-template-columns:1fr}}
.blur-preview{
  background:linear-gradient(180deg,var(--cream-soft),var(--white));
  border:1px solid var(--border);border-radius:var(--radius-card);padding:22px;
  position:relative;overflow:hidden;min-height:220px;
}
.blur-preview .lines{filter:blur(3.5px);opacity:.55;user-select:none;pointer-events:none}
.blur-preview .lines p{font-size:14px;margin:0 0 8px;color:var(--muted)}
.gate-overlay{
  position:absolute;inset:0;display:flex;align-items:flex-end;justify-content:center;
  background:linear-gradient(180deg,rgba(246,243,234,0) 20%,rgba(246,243,234,.92) 70%,var(--cream) 100%);
  padding:24px;
}
.gate-cta{
  background:var(--white);border:1px solid var(--border);border-radius:var(--radius-card);
  padding:22px 20px;box-shadow:0 12px 32px rgba(11,31,54,.1);
}
.dash-welcome{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;align-items:flex-end;margin-bottom:8px}
.soft-band{
  background:var(--slate);color:var(--ice);border-radius:var(--radius-card);padding:28px 26px;margin-top:36px;
}
.soft-band h2{color:var(--ice);margin-bottom:8px}
.soft-band p{color:rgba(232,238,244,.88);margin-bottom:18px;max-width:36rem}
.site-footer{
  background:var(--navy);color:rgba(232,238,244,.75);padding:36px 0 28px;font-size:13px;line-height:1.55;
}
.site-footer a{color:var(--ice)}
.site-footer .brand{color:var(--ice);font-weight:600;margin-bottom:10px}
.footer-disclaim{margin-top:16px;padding-top:16px;border-top:1px solid rgba(232,238,244,.15);font-size:12px;max-width:52rem}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.breadcrumb a{color:var(--blue);font-weight:500}
.breadcrumb span{margin:0 6px;color:#9aa8b8}
.center{text-align:center}
.icon-mail{
  width:56px;height:56px;border-radius:14px;background:rgba(29,73,144,.1);color:var(--blue);
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px;font-size:24px;
}
.return-link{font-size:14px;margin-top:18px}
.help-note{font-size:13px;color:var(--muted);margin-top:16px}


.nfira-aa-body{padding-bottom:72px}
.alert{padding:12px 14px;border-radius:8px;margin-bottom:16px;font-size:15px}
.alert-error{background:#fde8e8;color:#9B2C2C;border:1px solid #f5c2c2}
.alert-info{background:#e8f0fe;color:#1D4990;border:1px solid #c5d0de}
.alert-success{background:#e7f6ec;color:#1B6B3A;border:1px solid #b7e0c2}
.opt{font-weight:400;color:var(--muted);font-size:13px}
.soft{border:0;border-top:1px solid var(--border);margin:28px 0}
.turnstile-wrap{margin:16px 0}
.resource-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px;margin:20px 0 40px}
.resource-card.highlight{outline:2px solid var(--gold)}
.muted-card{opacity:.85}
.hero-navy{background:var(--navy);color:var(--ice);padding:48px 0 40px}
.hero-navy h1,.hero-navy h2{color:var(--ice)}
.ice{color:var(--ice)}
.planning-band{background:var(--slate);color:var(--ice);padding:32px;border-radius:12px;margin-top:24px}
.planning-band h2{color:var(--ice)}
.sticky-schedule{display:none}
@media(max-width:560px){
  .sticky-schedule{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;min-height:48px;align-items:center;justify-content:center;background:var(--blue);color:#fff!important;font-weight:600;text-transform:uppercase;letter-spacing:.04em;font-size:14px}
  .nfira-aa-body{padding-bottom:64px}
}
.logo-link{font-weight:700;color:var(--navy);text-decoration:none;font-size:15px}
.site-footer{padding:40px 0;border-top:1px solid var(--border);margin-top:40px}
.small{font-size:13px!important;line-height:1.5}
.section{padding:28px 0 48px}
.status-pill{display:inline-block;background:var(--cream-soft);border:1px solid var(--border);border-radius:999px;padding:4px 12px;font-size:12px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:var(--blue)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:600px){.field-row{grid-template-columns:1fr}}
.field{margin-bottom:16px}
.field label{display:block;font-size:14px;font-weight:600;margin-bottom:6px;color:var(--navy)}
.field input,.field select{width:100%;min-height:48px;padding:10px 12px;border:1px solid var(--border);border-radius:8px;font:inherit;background:#fff;color:var(--card-body)}
.field input:focus,.field select:focus{outline:3px solid var(--gold);outline-offset:2px}
.hint{font-size:13px;color:var(--muted);margin-top:6px}
.disclosure{background:var(--cream-soft);border:1px solid var(--border);border-radius:10px;padding:14px 16px;font-size:13px;margin:18px 0;line-height:1.55}
.check-row{display:flex;gap:12px;align-items:flex-start;font-size:14px;margin:14px 0 18px}
.check-row input{width:20px;height:20px;margin-top:3px;flex:0 0 auto}
.req{color:var(--err)}
.form-card{padding:28px}
.card{background:#fff;border:1px solid var(--border);border-radius:12px;box-shadow:0 1px 2px rgba(11,31,54,.04)}
.hero-cream{padding:36px 0 8px}

/* Presentation mode */
.btn-disabled,
.btn[aria-disabled="true"]{
  background:var(--slate)!important;color:rgba(232,238,244,.85)!important;border-color:var(--slate)!important;
  cursor:not-allowed;opacity:.85;pointer-events:none;
}
.btn-navy-outline.btn-disabled{background:transparent!important;color:var(--muted)!important;border-color:var(--border)!important}
.feature-list{margin:12px 0 18px;padding-left:1.2em;color:var(--card-body)}
.feature-list li{margin:0 0 8px;line-height:1.5}
.resource-card .go{font-size:13px;font-weight:600;color:var(--blue);margin-top:4px}
.section.alt{background:var(--white)}
.section.soft{background:var(--cream-soft)}
.center{text-align:center}

/* RA-10 chrome */
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{position:fixed;left:12px;top:12px;z-index:100;padding:10px 14px;background:#0B1F36;color:#E8EEF4}
.nav-links{gap:12px;flex-wrap:wrap}
.menu-toggle{display:none;background:#0B1F36;color:#E8EEF4;border:0;border-radius:8px;min-height:44px;padding:0 14px;font-weight:600;font-family:inherit;font-size:13px;cursor:pointer}
.mobile-panel{display:none;background:#F4F1EC;border-bottom:1px solid rgba(197,208,222,.7);padding:8px 24px 16px}
.mobile-panel.open,.mobile-panel:not([hidden]){display:block}
.mobile-panel a{display:block;padding:12px 4px;font-size:15px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#0B1F36;border-bottom:1px solid rgba(197,208,222,.45);text-decoration:none}
.mobile-panel a.active{border-left:3px solid #C9A227;padding-left:10px}
.mobile-panel .btn{width:100%;margin-top:12px;text-align:center}
@media(max-width:922px){
  .nav-links{display:none}
  .menu-toggle{display:inline-flex;align-items:center}
}
@media(max-width:560px){
  .nav-ctas{display:none}
}
@media(max-width:922px){
  .ra10-footer-grid{grid-template-columns:1fr 1fr!important}
}
@media(max-width:560px){
  .ra10-footer-grid{grid-template-columns:1fr!important}
}