/* ==========================================================================
   Brokertools — Modern enhancement layer (2026)
   Loads AFTER style.css and Bootstrap. Keeps the brand palette
   (#2D5C7D) while refreshing typography, spacing, buttons, nav,
   hero, cards, pricing, FAQ, footer and adding Resources/Article styles.
   Non-destructive: overrides only, no changes to markup required.
   ========================================================================== */

:root {
  --bt-primary: #2D5C7D;
  --bt-primary-dark: #1f425a;
  --bt-primary-light: #3f7aa3;
  --bt-accent: #17a2a2;          /* teal accent for CTAs / highlights */
  --bt-accent-dark: #128080;
  --bt-ink: #26333d;
  --bt-body: #4a5560;
  --bt-muted: #7d8894;
  --bt-line: #e6ebef;
  --bt-bg-soft: #f5f8fa;
  --bt-bg-card: #ffffff;
  --bt-radius: 12px;
  --bt-radius-sm: 8px;
  --bt-shadow-sm: 0 2px 8px rgba(38, 51, 61, .06);
  --bt-shadow: 0 10px 30px rgba(38, 51, 61, .10);
  --bt-shadow-lg: 0 20px 45px rgba(38, 51, 61, .16);
  --bt-max: 760px;
}

/* --------------------------------------------------------------------------
   1. Base typography
   -------------------------------------------------------------------------- */
html, body {
  font-size: 16px;
  color: var(--bt-body);
  line-height: 1.7;
  text-shadow: none;
}
body { -webkit-font-smoothing: antialiased; }

p { margin: 0 0 1.15rem 0; }

a { color: var(--bt-primary); }
a:hover, a:focus { color: var(--bt-accent-dark); }

/* Soften the legacy all-caps headings a touch, keep the brand rule underline */
h2, h3, h4, h5, h6 {
  color: var(--bt-ink);
  letter-spacing: .04em;
  font-weight: 700;
}
h2 { font-size: 2rem; line-height: 1.25; }
h3 { font-size: 1.5rem; }

/* --------------------------------------------------------------------------
   2. Navigation
   -------------------------------------------------------------------------- */
.navbar,
.headhesive {
  box-shadow: var(--bt-shadow-sm);
}
.headhesive {
  background: rgba(255, 255, 255, .97) !important;
  backdrop-filter: saturate(140%) blur(6px);
}
#menu-primary > li > a {
  font-weight: 700;
  letter-spacing: .02em;
  font-size: .82rem;
}
#menu-primary > li > a span { position: relative; }
#menu-primary > li > a span:after {
  content: '';
  position: absolute;
  left: 0; bottom: -6px;
  height: 2px; width: 0;
  background: var(--bt-accent);
  transition: width .28s ease;
}
#menu-primary > li.active > a span:after,
#menu-primary > li > a:hover span:after { width: 100%; }

/* Solid white header bar over the dark hero, so the full-colour logo always reads.
   The stuck clone is already white (see style.css .banner--clone rules). */
.hero .navbar {
  background: #fff;
  box-shadow: var(--bt-shadow-sm);
}
/* Dark nav text on the white bar, mirroring the stuck clone */
.hero .navbar .nav li a span { color: var(--bt-body); }
.hero .navbar .nav li a:hover span,
.hero .navbar .nav li a:focus span { color: #B3262A; }
.hero .navbar .nav li.active a,
.hero .navbar .nav li.active a span { color: var(--bt-primary); }

/* Emphasise the Apply link — bold with a permanent accent underline.
   Kept inline (no pill/padding) so it never overflows or clips the nav row. */
#menu-primary > li.nav-cta > a span { font-weight: 800; }
#menu-primary > li.nav-cta > a span:after { width: 100%; background: var(--bt-accent); }

/* --------------------------------------------------------------------------
   3. Hero
   -------------------------------------------------------------------------- */
.hero {
  position: relative;
  background-position: center center;
}
.hero:before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(31,66,90,.82) 0%, rgba(23,162,162,.55) 100%);
  z-index: 0;
}
.hero .navbar,
.hero .container { position: relative; z-index: 2; }

.hero.content-page { min-height: 320px; }
.hero.content-page:before {
  background: linear-gradient(135deg, rgba(31,66,90,.88) 0%, rgba(45,92,125,.72) 100%);
}

.hero .blurb h1 {
  font-size: clamp(1.8rem, 4.4vw, 3rem) !important;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.01em;
  color: #fff;
  margin-bottom: 18px;
  text-transform: none;
}
.hero .blurb h1:after { display: none; }
.hero .blurb p {
  font-size: 1.18rem;
  color: rgba(255,255,255,.92);
  font-weight: 300;
  max-width: 720px;
  margin: 0 auto 8px auto;
}

/* Optional hero eyebrow + CTA row helpers (used on new/updated pages) */
.hero .bt-eyebrow {
  display: inline-block;
  text-transform: uppercase;
  letter-spacing: .18em;
  font-size: .72rem;
  font-weight: 700;
  color: #d7f2f2;
  margin-bottom: 14px;
}
.bt-hero-cta { margin-top: 26px; }
.bt-hero-cta .btn { margin: 6px; }

/* --------------------------------------------------------------------------
   4. Buttons
   -------------------------------------------------------------------------- */
.btn {
  border-radius: 999px;
  font-weight: 700;
  letter-spacing: .03em;
  padding: 12px 30px;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  text-transform: none;
}
.btn:hover { transform: translateY(-2px); }

.btn-primary, .btn-primary:focus {
  background: var(--bt-accent) !important;
  border-color: var(--bt-accent) !important;
  color: #fff !important;
  box-shadow: 0 8px 20px rgba(23,162,162,.28);
}
.btn-primary:hover {
  background: var(--bt-accent-dark) !important;
  border-color: var(--bt-accent-dark) !important;
  color: #fff !important;
}

.btn-default, .btn-default:focus {
  border: 2px solid var(--bt-primary);
  color: var(--bt-primary);
  background: #fff;
}
.btn-default:hover {
  background: var(--bt-primary);
  border-color: var(--bt-primary);
  color: #fff;
}
.hero .btn-default, .hero .btn-default:focus {
  border-color: #fff; color: #fff; background: rgba(255,255,255,.08);
}
.hero .btn-default:hover { background: #fff; color: var(--bt-primary); }

.btn-ghost {
  background: transparent;
  border: 2px solid rgba(255,255,255,.7);
  color: #fff;
}
.btn-ghost:hover { background:#fff; color: var(--bt-primary); }

/* --------------------------------------------------------------------------
   5. Home tabs polish
   -------------------------------------------------------------------------- */
#tabs .ui-tabs-nav a { font-weight: 700; }
#tabs .indv-tab h4.left { color: var(--bt-primary); }

/* Distinct Material icons for the Quote / CRM / Quote+CRM tabs */
#tabs ul li a .material-icons {
  font-size: 52px;
  line-height: 1;
  color: var(--bt-primary);
  transition: color .2s ease, transform .2s ease;
}
#tabs ul li span {
  margin-bottom: 14px;
  min-height: 0;
}
#tabs ul li.ui-tabs-active a .material-icons,
#tabs ul li a:hover .material-icons {
  color: var(--bt-accent);
  transform: translateY(-3px);
}

/* --------------------------------------------------------------------------
   6. Pricing cards
   -------------------------------------------------------------------------- */
/* Keep the original padding (30px 30px 80px) so the absolutely-positioned
   button has room — only restyle the frame. */
.price {
  background: var(--bt-bg-card);
  border: 1px solid var(--bt-line);
  border-radius: var(--bt-radius);
  box-shadow: var(--bt-shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
  overflow: visible;
}
.price:hover { transform: translateY(-6px); box-shadow: var(--bt-shadow); }
.price .head { border-radius: var(--bt-radius) var(--bt-radius) 0 0; }
.price.popular { border: 2px solid var(--bt-accent); }

/* Clean centred badge that straddles the top edge (no overlap with the price) */
.price.popular:before {
  content: 'Most popular';
  display: block;
  position: absolute; top: 0; left: 50%;
  transform: translate(-50%, -50%);
  width: auto;
  background: var(--bt-accent); color: #fff;
  text-transform: uppercase; letter-spacing: .1em;
  font-size: .66rem; font-weight: 700;
  padding: 6px 16px; border-radius: 999px; white-space: nowrap;
  box-shadow: var(--bt-shadow-sm); outline: none;
}

/* --------------------------------------------------------------------------
   7. FAQ / questions
   -------------------------------------------------------------------------- */
.faq .question {
  background: var(--bt-bg-card);
  border: 1px solid var(--bt-line);
  border-left: 4px solid var(--bt-accent);
  border-radius: var(--bt-radius-sm);
  padding: 20px 24px;
  margin-bottom: 18px;
  box-shadow: var(--bt-shadow-sm);
}
.faq .question p:first-child strong { color: var(--bt-ink); }
.faq .question p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------------------
   8. Sign-up / newsletter bands
   -------------------------------------------------------------------------- */
.green, .green.sign-up {
  background: linear-gradient(135deg, var(--bt-primary) 0%, var(--bt-accent-dark) 100%) !important;
}
/* Demo band — branded gradient with white text (the markup's text is white,
   so a light background washed it out). */
.newsletter {
  background: linear-gradient(135deg, var(--bt-primary) 0%, var(--bt-accent-dark) 100%);
  border: none;
}
.newsletter h2,
.newsletter p,
.newsletter .italic { color: #fff; }
.newsletter h2:after { background: rgba(255, 255, 255, .55); }

/* CTA buttons on dark bands (demo / sign-up) — solid white pill with brand text.
   Overrides the template's white-on-transparent .newsletter/.sign-up .btn rules,
   which turned invisible once these bands sit on a solid colour. */
.newsletter .btn-default,
.sign-up .btn-default,
.green .btn-default {
  background: #fff;
  border-color: #fff;
  color: var(--bt-primary);
}
.newsletter .btn-default:hover,
.sign-up .btn-default:hover,
.green .btn-default:hover {
  background: var(--bt-accent);
  border-color: var(--bt-accent);
  color: #fff;
}
.form-control {
  border-radius: var(--bt-radius-sm);
  border: 1px solid #cfd8de;
  height: 48px;
  box-shadow: none;
}
.form-control:focus {
  border-color: var(--bt-accent);
  box-shadow: 0 0 0 3px rgba(23,162,162,.15);
}

/* --------------------------------------------------------------------------
   9. Footer
   -------------------------------------------------------------------------- */
.section.footer {
  background: var(--bt-ink);
  color: #b9c4cd;
  padding: 46px 0 30px;
}
.section.footer .copyright p { color: #b9c4cd; margin-bottom: 0; }
.bt-footer-nav { list-style: none; padding: 0; margin: 0 0 18px; text-align: center; }
.bt-footer-nav li { display: inline-block; margin: 0 12px; }
.bt-footer-nav a { color: #d7dee4; font-weight: 600; font-size: .9rem; }
.bt-footer-nav a:hover { color: #fff; }

/* ==========================================================================
   RESOURCES HUB
   ========================================================================== */
.bt-section { padding: 70px 0; }
.bt-section-head { text-align: center; max-width: 720px; margin: 0 auto 50px; }
.bt-section-head h2 { margin-bottom: 22px; }
.bt-section-head p { color: var(--bt-muted); font-size: 1.1rem; }

.bt-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }

.bt-card {
  display: flex; flex-direction: column;
  background: var(--bt-bg-card);
  border: 1px solid var(--bt-line);
  border-radius: var(--bt-radius);
  box-shadow: var(--bt-shadow-sm);
  overflow: hidden;
  transition: transform .22s ease, box-shadow .22s ease;
}
.bt-card:hover { transform: translateY(-6px); box-shadow: var(--bt-shadow); }
.bt-card__banner {
  height: 118px;
  background: linear-gradient(135deg, var(--bt-primary) 0%, var(--bt-accent-dark) 100%);
  display: flex; align-items: center; justify-content: center;
  color: #fff;
}
.bt-card__banner .material-icons { font-size: 48px; opacity: .95; }
.bt-card__body { padding: 26px 26px 30px; display: flex; flex-direction: column; flex: 1; }
.bt-tag {
  display: inline-block;
  font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--bt-accent-dark); background: rgba(23,162,162,.10);
  padding: 4px 12px; border-radius: 999px; margin-bottom: 14px; align-self: flex-start;
}
.bt-card__body h3 {
  font-size: 1.22rem; line-height: 1.35; text-align: left;
  text-transform: none; letter-spacing: 0; color: var(--bt-ink);
  margin: 0 0 12px;
}
.bt-card__body h3:after { display: none; }
.bt-card__body p { color: var(--bt-body); font-size: .96rem; flex: 1; }
.bt-card__link {
  font-weight: 700; color: var(--bt-accent-dark);
  display: inline-flex; align-items: center; gap: 6px; margin-top: 8px;
}
.bt-card__link .material-icons { font-size: 18px; transition: transform .2s ease; }
.bt-card:hover .bt-card__link .material-icons { transform: translateX(4px); }
.bt-card__meta { color: var(--bt-muted); font-size: .82rem; margin-top: 16px; }

/* ==========================================================================
   ARTICLE PAGES
   ========================================================================== */
.bt-breadcrumb {
  font-size: .85rem; color: var(--bt-muted); margin: 26px 0 4px;
}
.bt-breadcrumb a { color: var(--bt-primary); font-weight: 600; }
.bt-breadcrumb .sep { margin: 0 8px; color: #c4ccd3; }

.bt-article { padding: 44px 0 20px; }
.bt-article__inner { max-width: var(--bt-max); margin: 0 auto; }
.bt-article__header { max-width: var(--bt-max); margin: 0 auto 30px; }
.bt-article__header h1 {
  font-size: clamp(1.7rem, 3.6vw, 2.5rem);
  line-height: 1.2; letter-spacing: -.01em; color: var(--bt-ink);
  text-transform: none; text-align: left; font-weight: 800; margin: 8px 0 14px;
}
.bt-article__header h1:after { display: none; }
.bt-article__lead { font-size: 1.18rem; color: var(--bt-body); }
.bt-article__updated {
  display: inline-block; font-size: .8rem; color: var(--bt-muted);
  border: 1px solid var(--bt-line); border-radius: 999px; padding: 4px 14px; margin-bottom: 6px;
}

.bt-article__inner h2 {
  font-size: 1.5rem; text-align: left; text-transform: none; letter-spacing: -.01em;
  color: var(--bt-ink); margin: 40px 0 16px;
}
.bt-article__inner h2:after { margin: 14px 0 0; }
.bt-article__inner h3 {
  font-size: 1.18rem; text-align: left; text-transform: none; letter-spacing: 0;
  color: var(--bt-primary); margin: 26px 0 12px;
}
.bt-article__inner h3:after { display: none; }
.bt-article__inner h4 {
  font-size: 1.02rem; text-align: left; text-transform: none; letter-spacing: 0;
  color: var(--bt-ink); margin: 20px 0 10px;
}
.bt-article__inner h4:after { display: none; }
.bt-article__inner ul, .bt-article__inner ol { padding-left: 1.3rem; margin: 0 0 1.2rem; }
.bt-article__inner li { margin-bottom: .5rem; }
.bt-article__inner strong { color: var(--bt-ink); }

/* Checklist list (FAIS guide) */
.bt-check { list-style: none; padding-left: 0 !important; }
.bt-check li { position: relative; padding-left: 32px; margin-bottom: .6rem; }
.bt-check li:before {
  content: '\2713';
  position: absolute; left: 0; top: 0;
  width: 20px; height: 20px; line-height: 20px; text-align: center;
  background: rgba(23,162,162,.12); color: var(--bt-accent-dark);
  border-radius: 50%; font-size: 12px; font-weight: 700;
}

/* Callout / tip box */
.bt-callout {
  background: var(--bt-bg-soft);
  border: 1px solid var(--bt-line);
  border-left: 4px solid var(--bt-accent);
  border-radius: var(--bt-radius-sm);
  padding: 20px 24px; margin: 26px 0;
}
.bt-callout p:last-child { margin-bottom: 0; }
.bt-callout strong { color: var(--bt-primary); }

/* Accordion */
.bt-accordion { border: 1px solid var(--bt-line); border-radius: var(--bt-radius); overflow: hidden; margin: 8px 0 34px; box-shadow: var(--bt-shadow-sm); }
.bt-acc-item + .bt-acc-item { border-top: 1px solid var(--bt-line); }
.bt-acc-head {
  margin: 0;
}
.bt-acc-head:after { display: none; }
.bt-acc-btn {
  width: 100%; text-align: left; background: #fff; border: 0;
  padding: 20px 56px 20px 24px; position: relative; cursor: pointer;
  font-size: 1.05rem; font-weight: 700; color: var(--bt-ink); letter-spacing: 0;
  transition: background .18s ease, color .18s ease;
}
.bt-acc-btn:hover { background: var(--bt-bg-soft); color: var(--bt-primary); }
.bt-acc-btn:after {
  content: '\002B'; font-weight: 400;
  position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
  width: 26px; height: 26px; line-height: 24px; text-align: center;
  border: 1px solid var(--bt-accent); color: var(--bt-accent-dark);
  border-radius: 50%; font-size: 18px; transition: transform .25s ease, background .2s ease, color .2s ease;
}
.bt-acc-item.open .bt-acc-btn { color: var(--bt-primary); background: var(--bt-bg-soft); }
.bt-acc-item.open .bt-acc-btn:after { content: '\2212'; background: var(--bt-accent); color: #fff; }
.bt-acc-panel { max-height: 0; overflow: hidden; transition: max-height .35s ease; background: #fff; }
.bt-acc-panel__inner { padding: 4px 26px 22px; }
.bt-acc-panel__inner > *:first-child { margin-top: 0; }
.bt-sublabel { margin: 16px 0 8px; font-size: .96rem; }
.bt-sublabel strong { color: var(--bt-primary); letter-spacing: .01em; }

/* Expand / collapse all controls */
.bt-acc-controls { max-width: var(--bt-max); margin: 0 auto 10px; text-align: right; font-size: .84rem; }
.bt-acc-controls a { font-weight: 700; color: var(--bt-accent-dark); cursor: pointer; }
.bt-acc-controls .sep { color: #c4ccd3; margin: 0 8px; }

/* Article CTA */
.bt-article-cta {
  background: linear-gradient(135deg, var(--bt-primary) 0%, var(--bt-accent-dark) 100%);
  color: #fff; border-radius: var(--bt-radius); padding: 40px 34px; text-align: center;
  max-width: var(--bt-max); margin: 24px auto 10px;
}
.bt-article-cta h3 { color: #fff; text-transform: none; letter-spacing: 0; text-align: center; margin-bottom: 12px; }
.bt-article-cta h3:after { background: rgba(255,255,255,.5); }
.bt-article-cta p { color: rgba(255,255,255,.92); max-width: 520px; margin: 0 auto 22px; }

.bt-disclaimer { max-width: var(--bt-max); margin: 30px auto 0; font-size: .82rem; color: var(--bt-muted); font-style: italic; }

/* Related links */
.bt-related { max-width: var(--bt-max); margin: 40px auto 0; }
.bt-related h4 { text-transform: uppercase; letter-spacing: .1em; font-size: .8rem; color: var(--bt-muted); }
.bt-related ul { list-style: none; padding: 0; }
.bt-related li { margin-bottom: 8px; }
.bt-related a { font-weight: 600; }

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 767px) {
  .bt-section { padding: 48px 0; }
  .hero .blurb p { font-size: 1.05rem; }
  #menu-primary > li.nav-cta > a { display: inline-block; margin: 4px 0; }
  .bt-acc-btn { font-size: .98rem; padding-right: 52px; }
}