/* Columbus Senior Advisor — columbussenioradvisor.com
   Palette: forest green + persimmon (distinct from every sibling site:
   Austin teal/amber, OKC green/terracotta, Cleveland lake-blue/brick,
   Indy maroon/gold, Mpls indigo-plum/sage). Chat widget prefix: cbs*. */

:root{
  --forest:#1F4D3D;
  --forest-dark:#123326;
  --persimmon:#C9622B;
  --persimmon-dark:#A64E20;
  --cream:#FBF7F1;
  --ink:#20261F;
  --ink-soft:#4C564A;
  --line:#DCE3D8;
  --card:#FFFFFF;
  --gold:#D9A441;
  --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(--forest-dark);}
a:hover{color:var(--persimmon-dark);}
img{max-width:100%;display:block;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px;}

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

/* ---- Header / nav ---- */
header.site{background:var(--forest);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;}
.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(--forest-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:#EEF2EA;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(--persimmon-dark);}

/* ---- Layout ---- */
.layout{padding:18px 0 50px;}
article h1{font-size:2rem;color:var(--forest-dark);margin:.2em 0 .3em;}
article h2{font-size:1.35rem;color:var(--forest-dark);margin:1.4em 0 .5em;border-left:4px solid var(--persimmon);padding-left:10px;}
article h3{font-size:1.1rem;color:var(--forest-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:#EEF2EA;border-left:4px solid var(--forest);padding:12px 16px;border-radius:6px;margin:1.2em 0;font-size:.95rem;}
.callout{background:#FCEFE4;border-left:4px solid var(--persimmon);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;}
.card h3{margin-top:0;}
.card a.stretched{text-decoration:none;color:inherit;}

.btn{display:inline-block;background:var(--persimmon);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(--persimmon-dark);color:#fff;}
.btn.ghost{background:transparent;border:2px solid var(--forest);color:var(--forest-dark);}

.bigcta{background:var(--forest);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:#EEF2EA;}

.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:#EEF2EA;border-radius:999px;padding:5px 13px;font-size:.85rem;text-decoration:none;color:var(--forest-dark);}
.chip:hover{background:var(--forest);color:#fff;}

/* ---- Footer ---- */
footer.site{background:var(--forest-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:#CBD6C6;text-decoration:none;font-size:.88rem;display:block;margin-bottom:6px;}
.foot-cols a:hover{color:var(--gold);}
.foot-latest{border-top:1px solid #2C5744;margin-top:22px;padding-top:16px;font-size:.85rem;}
.foot-bottom{border-top:1px solid #2C5744;margin-top:22px;padding-top:16px;font-size:.8rem;color:#A9B7A3;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;}
.foot-bottom a{color:#A9B7A3;}

/* ---- Chat widget (right-positioned, network standard) ---- */
.cbschat{position:fixed;right:18px;bottom:18px;z-index:60;font-family:"Trebuchet MS",Helvetica,Arial,sans-serif;}
.cbschat button.cbslauncher{background:var(--persimmon);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;}
.cbschat button.cbslauncher:hover{background:var(--persimmon-dark);}
@media(max-width:820px){.cbschat{right:14px;bottom:14px;}.cbschat button.cbslauncher{padding:12px 16px;font-size:.88rem;}}

.cbsoverlay{position:fixed;inset:0;background:rgba(18,51,38,.55);z-index:70;display:none;align-items:center;justify-content:center;padding:16px;}
.cbsoverlay.show{display:flex;}
.cbsmodal{background:#fff;border-radius:14px;max-width:480px;width:100%;max-height:86vh;overflow-y:auto;padding:22px;position:relative;}
.cbsmodal h3{margin-top:0;color:var(--forest-dark);}
.cbsmodal .cbsclose{position:absolute;top:14px;right:16px;background:none;border:none;font-size:1.3rem;cursor:pointer;color:var(--ink-soft);}
.cbsq{margin:14px 0;}
.cbsopt{display:block;width:100%;text-align:left;background:#EEF2EA;border:1px solid var(--line);border-radius:8px;padding:10px 14px;margin:8px 0;cursor:pointer;font-size:.95rem;}
.cbsopt:hover{background:var(--forest);color:#fff;}
.cbsform input,.cbsform select{width:100%;padding:10px;border:1px solid var(--line);border-radius:8px;margin:6px 0 14px;font-size:.95rem;}
.cbsform label{font-size:.85rem;color:var(--ink-soft);}