/* RESET */

*,
*::before,
*::after {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family:
        system-ui,
        -apple-system,
        "Segoe UI",
        Roboto,
        Arial,
        sans-serif;

    line-height: 1.6;
    color: #222;
    background: #fff;
}

#main-content {
    padding: 2rem 0;
}

.indent {
  margin-left: 40px;
}
/* BREADCRUMBS */

.breadcrumbs {
    margin-bottom: 1.5rem;
    font-size: 0.95rem;
}

.breadcrumbs ol {
    display: flex;
    flex-wrap: wrap;
    gap: .5rem;
    list-style: none;
    padding: 0;
    margin: 0;
}

.breadcrumbs li:not(:last-child)::after {
    content: ">";
    margin-left: .5rem;
    color: #666;
}

.breadcrumbs li:last-child {
    color: #333;
    font-weight: 600;
}

.breadcrumbs a {
    text-decoration: none;
}

.breadcrumbs a:hover,
.breadcrumbs a:focus {
    text-decoration: underline;
}
/* COLLAPSIBLE CONTENT */
.category-toggle {
    width:100%;
    background:#d4a017;
    color:#002f6c;
    border:none;
    border-radius:.75rem;
    padding:1.15rem 1.5rem;
    font-size:1.35rem;
    font-weight:700;
    text-align:left;
    cursor:pointer;
    margin:2rem 0 1rem;
}
.faq-toggle::before,
.category-toggle::before {
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    content: "\f078";
    display: inline-block;
    width: 1em;
    text-align: center;
    margin-right: .75rem;
    transition: transform .2s ease;
}
.category-toggle.open::before,
.faq-toggle.open::before {
    transform: rotate(-90deg);
}
.category-toggle:hover {
    background:#c49214;
}
.category-content {
    display: none;
    margin: 0 0 2rem;
    padding: .5rem 0 0 1.5rem;
}
.faq-toggle {
    width: 100%;
    background: #f8f9fb;
    border: 1px solid #d8dee8;
    border-radius: .6rem;
    padding: 1rem 1.25rem;
    margin-top: .75rem;
    font: inherit;
    font-size: 1.05rem;
    font-weight: 600;
    color: #003b71;
    text-align: left;
    cursor: pointer;
    transition: all .2s ease;
}
.faq-toggle.open {
    background: #eef4fb;
    border-bottom-left-radius: 0;
    border-bottom-right-radius: 0;
    border-bottom-color: transparent;
}
.faq-toggle:hover {
    background:#eef4fb;
    border-color:#b9cbe4;
}

.faq-answer {
    display:none;
    margin-bottom:1rem;
    padding:1rem 1.25rem;
    background:white;
    border:1px solid #d8dee8;
    border-top:1px solid #d8dee8;
    border-bottom-left-radius:.6rem;
    border-bottom-right-radius:.6rem;
}
/* FLOATER */

.contact-benefits {
    position: fixed;
    bottom: 20px;
    right: 20px;

    background: #003b7a;
    color: #fff;

    padding: .8rem 1.2rem;
    border-radius: 999px;

    text-decoration: none;
    font-weight: 600;

    box-shadow: 0 2px 8px rgba(0,0,0,.25);

    z-index: 1000;
}

.contact-benefits:hover,
.contact-benefits:focus {
    background: #0050a0;
    text-decoration: underline;
}

/* ACCESSIBILITY */

.skip-link {
    position: absolute;
    left: -9999px;
}

.skip-link:focus {
    left: 1rem;
    top: 1rem;
    background: #fff;
    padding: 1rem;
    z-index: 999;
}

/* LAYOUT */

.container {
    width: 92%;
    max-width: 1500px;
    margin-inline: auto;
}

.section {
    padding: 2rem 0;
}

.section-alt {
    background: #f5f7fa;
}

.section-title {
    margin-bottom: 1rem;
    font-size: 2rem;
    color: #002f6c;
}
.faq-section .section-title {
    margin-bottom: .75rem;
}

.two-col-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: start;
}

.centeralign {
  text-align: center;
}

.tsa-table {
  max-width: 100%;
  table-layout: fixed;
  border-collapse: collapse;
  margin: 0 auto;
  width: 60%; /* Or a fixed width like 600px */
}

.tsa-table td,
.tsa-table th {
  word-wrap: break-word;
}
/* HEADER */

.site-header {
    border-bottom: 1px solid #ddd;
}

.top-bar {
    padding: 2rem 0;
}

.branding {
    display: flex;
    align-items: center;
    gap: 1.5rem;
}

.branding img {
    width: 130px;
    height: auto;
}

.branding h1 {
    margin: 0;
    color: #002f6c;
    font-size: 2.5rem;
    font-weight: 700;
    line-height: 1.1;
    margin-bottom: .35rem;
}

.branding p {
    margin: .25rem 0 0;
    margin-top: 0;
}

.faq-section {
    margin-left: 1.5rem;
    padding-top: 0;
}

/* NAVIGATION */

.main-nav {
    background: #002f6c;
    box-shadow: 0 2px 4px rgba(0,0,0,.08);
}

.main-nav ul {
    margin: 0;
    padding: 0;
    list-style: none;
    display: flex;
    flex-wrap: wrap;
}

.main-nav a {
    display: block;
    padding: 1.15rem 1.5rem;
    color: white;
    text-decoration: none;
    font-weight: 600;
    font-size: 1rem;
    transition:
        background .2s ease;
}

.main-nav a:hover,
.main-nav a:focus {
    background: rgba(255,255,255,.12);
}

.main-nav a.active {
    border-bottom: 4px solid #d4a017;
}

.nav-toggle {
    display: none;
}

/* ==========================================================
   HERO - SHARED STYLES
   ========================================================== */

.hero {
    background-size: cover;
    background-repeat: no-repeat;
    background-position: center right;

    padding: 4rem 0;
    min-height: 420px;

    display: flex;
    align-items: center;
}

.hero-content {
    max-width: 650px;
    margin-left: 1rem;
}

.hero-title {
    font-size: clamp(2.5rem, 5vw, 4rem);
    line-height: 1.1;
    margin-bottom: 1rem;
}

.hero-description {
    font-size: 1.2rem;
    line-height: 1.6;
}

.hero-text {
    max-width: 650px;
}

.hero-grid {
    display: flex;
    align-items: center;
    min-height: 260px;
    padding-left: 2rem;
}

/* ==========================================================
   HOME PAGE HERO
   ========================================================== */

.hero-home {
    background:
        linear-gradient(
            to right,
            rgba(0,47,108,.80) 0%,
            rgba(0,47,108,.75) 55%,
            rgba(0,47,108,.30) 100%
        ),
        url("/assets/images/clock-tower.jpg");

    color: #fff;
}

/* ==========================================================
   RETIREMENT HERO
   ========================================================== */

.hero-retirement {
    background:
        linear-gradient(
            to right,
            rgba(255,255,255,.96) 0%,
            rgba(255,255,255,.90) 35%,
            rgba(255,255,255,.55) 60%,
            rgba(255,255,255,0) 78%
        ),
        url("/assets/images/retirement-hero.jpg");

    color: var(--cf-blue);
}

.hero-retirement .hero-content {
    max-width: 520px;
}

.hero-retirement p {
    color: #444;
}
/* ==========================================================
   HEALTH INSURANCE HERO
   ========================================================== */

.hero-health {
    background:
        linear-gradient(
            to right,
            rgba(255,255,255,.96) 0%,
            rgba(255,255,255,.90) 35%,
            rgba(255,255,255,.55) 60%,
            rgba(255,255,255,0) 78%
        ),
        url("/assets/images/health-hero.jpg");

    color: var(--cf-blue);
}

.hero-health .hero-content {
    max-width: 520px;
}

.hero-health p {
    color: #444;
}
/* ==========================================================
   CONTACT HERO
   ========================================================== */

.hero-contact {
    background:

        url("/assets/images/contact-hero.png");

    color: var(--cf-blue);
}

.hero-contact .hero-content {
    max-width: 520px;
}

.hero-contact p {
    color: #444;
}

/* ==========================================================
   GLOSSARY HERO
   ========================================================== */

.hero-glossary {
    background:

        url("/assets/images/glossary-hero.jpg");

    color: var(--cf-blue);
}

.hero-glossary .hero-content {
    max-width: 520px;
}

.hero-glossary p {
    color: #444;
}

/* ==========================================================
   CURRENT EMPLOYEE HERO
   ========================================================== */

.hero-current {
    background:
        linear-gradient(
            to right,
            rgba(255,255,255,.96) 0%,
            rgba(255,255,255,.90) 35%,
            rgba(255,255,255,.55) 60%,
            rgba(255,255,255,0) 78%
        ),
        url("/assets/images/current-employees-hero.jpg");

    color: var(--cf-blue);
}

.hero-current .hero-content {
    max-width: 520px;
}

.hero-current p {
    color: #444;
}
/* ==========================================================
   OPEN ENROLLMENT HERO
   ========================================================== */

.hero-openenrollment {
    background:
        linear-gradient(
            to right,
            rgba(255,255,255,.96) 0%,
            rgba(255,255,255,.90) 35%,
            rgba(255,255,255,.55) 60%,
            rgba(255,255,255,0) 78%
        ),
        url("/assets/images/open-enrollment-hero.jpg");

    color: var(--cf-blue);
}

.hero-openenrollment .hero-content {
    max-width: 520px;
}

.hero-openenrollment p {
    color: #444;
}
/* ==========================================================
   INSURANCE HERO
   ========================================================== */

.hero-insurance {
    background:
        linear-gradient(
            to right,
            rgba(255,255,255,.96) 0%,
            rgba(255,255,255,.90) 35%,
            rgba(255,255,255,.55) 60%,
            rgba(255,255,255,0) 78%
        ),
        url("/assets/images/insurance-hero.jpg");

    color: var(--cf-blue);
}

.hero-insurance .hero-content {
    max-width: 520px;
}

.hero-insurance p {
    color: #444;
}

/* ==========================================================
   NEW EMPLOYEE HERO
   ========================================================== */

.hero-newemployee {
    background:
        linear-gradient(
            to right,
            rgba(255,255,255,.96) 0%,
            rgba(255,255,255,.90) 35%,
            rgba(255,255,255,.55) 60%,
            rgba(255,255,255,0) 78%
        ),
        url("/assets/images/new-employee-hero.jpg");

    color: var(--cf-blue);
}

.hero-newemployee .hero-content {
    max-width: 520px;
}

.hero-newemployee p {
    color: #444;
}
/* ==========================================================
   HERO BUTTONS
   ========================================================== */

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    margin-top: 2rem;
}

/* BUTTONS */


.btn {
    display: inline-block;
    padding: .9rem 1.5rem;
    border-radius: .5rem;
    text-decoration: none;
    font-weight: 600;
}

.btn-gold {
    background: #d4a017;
    color: #000;
}

.btn-outline {
    border: 2px solid white;
    color: white;
}
.btn-outline-blue {
    border: 2px solid #002f6c;
    color: #002f6c;
}
.btn-blue {
    background: #002f6c;
    color: white;
}

.hero .btn-secondary {
    border: 2px solid white;
}

.hero .btn-secondary:hover {
    background: rgba(255,255,255,.15);
}
/* CARDS */
.benefits-section .container {
    max-width: 1500px;
}
.card-grid {
    display: grid;
    gap: 2rem;
}

.card-grid-3 {
    grid-template-columns: repeat(3, minmax(220px, 1fr));
}

.card-grid-4 {
    grid-template-columns: repeat(4, minmax(220px, 1fr));
}

.card-grid-5 {
    grid-template-columns: repeat(5, minmax(220px, 1fr));
}
.card-grid-6 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.learn-more {
    display: inline-block;
    margin-top: auto;
    color: #00529B;
    font-weight: 600;
    transition: color 0.2s ease, transform 0.2s ease;
}
.card-link,
.card-link:visited {
    display: block;
    color: inherit;
    text-decoration: none;
}
.card-link:hover .learn-more,
.card-link:focus-visible .learn-more {
    color: #003f7d;
    transform: translateX(4px);
	text-decoration: none;
}
.card,
.retirement-card {
    background: #ffffff;
	text-align: center;
    padding: 1.5rem;
    border-radius: 1rem;
    border: 1px solid #e5e7eb;
    box-shadow:
        0 4px 12px rgba(0,0,0,.06);
    display: flex;
    flex-direction: column;
    min-height: 240px;
    transition:
        transform .2s ease,
        box-shadow .2s ease,
        border-color .2s ease;
}

.card a {
    margin-top: auto;
    color: #002f6c;
    font-weight: 700;
    text-decoration: none;
}
.card p {
    color: #4b5563;
    margin-bottom: 2rem;
    font-size: 1rem;
}
.card h3 {
    color: #002f6c;
    font-size: 1.5rem;
    margin-top: 0;
    margin-bottom: 1rem;
    line-height: 1.2;
}

.card:hover,
.retirement-card:hover {
    transform: translateY(-6px);
    box-shadow:
        0 12px 28px rgba(0,0,0,.12);
    border-color: #d4a017;
}
.card-icon {
    font-size: 4rem;
    margin-bottom: 1.5rem;
}
.retirement-section {
    padding-bottom: 1rem;
}
.retirement-section .container {
    max-width: 1500px;
}
.retirement-card.preparing i {
    color: #2E8B57;
}

.retirement-card.insurance i {
    color: #2A9D8F;
}

.retirement-card.medicare i {
    color: #7B5CB8;
}

.retirement-card.reemployment i {
    color: #E67E22;
}
.retirement-checklist{
    list-style:none;
    padding:0;
    margin:0 0 0.75rem;
}

.retirement-checklist li{
    display:flex;
    gap:.75rem;
    align-items:flex-start;
    margin-bottom:.7rem;
}
.retirement-checklist i {
    width: 1.25rem;
    color: #6b7280;
}
.icon-blue img {
	width:80px;
	height:80px;
}

.icon-gold img {
	width:80px;
	height:80px;
}

.icon-blue {
    color: #002f6c;
}

.icon-gold {
    color: #d4a017;
}
.checklist-buttons {
    display: flex;
    gap: 15px;
    margin-top: 5px;
}

.checklist-buttons .btn {
    flex: 1;
}

/* ANNOUNCEMENTS */

.announcement {
    background: transparent;
    padding: .75rem 0 .75rem 1rem;
    border-left: 4px solid #d4a017;
    margin-bottom: .75rem;
}


.announcement h3 {
    margin: 0 0 .5rem 0;
}

.announcement p {
    margin: 0 0 .75rem 0;
}

.panel {
    background: #f8f3e7;
    border-radius: 1rem;
    padding: 1.5rem;
    margin-bottom: 0;
    display:flex;
    flex-direction:column;	
}
.panel-green {
    background: #eef8f2;
}

.panel-blue {
    background: #edf4fc;
}

.panel-gold {
    background: #f8f3e7;
}
.panel-header {
    display:flex;
    align-items:flex-start;
    gap:1rem;
    margin-bottom:1.5rem;
}

.panel-icon{
    width:76px;
    height:76px;

    border-radius:50%;

    display:flex;
    align-items:center;
    justify-content:center;

    font-size:2rem;

    flex-shrink:0;
}
.panel-green .panel-icon{
    background:#dff4e7;
    color:#2E8B57;
}

.panel-blue .panel-icon{
    background:#e6f0ff;
    color:#2F66B3;
}

.panel-gold .panel-icon{
    background:#f6e4b0;
    color:#c28b00;
}

.info-grid {
    display: grid;
    grid-template-columns:
        1.2fr .9fr;
    gap: 2rem;
    align-items: start;
}

.panel-footer-link {
    font-weight: 600;
}

/* TASKS */

.tasks-panel {
    background: #ffffff;
    border: 1px solid #dbe3ee;	
    border-radius: 1rem;
    padding: 1.5rem;
    margin-bottom: 0;	
}

.tasks-panel h2 i,
.panel h2 i {
    margin-right: .5rem;
}

.tasks-panel ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.tasks-panel li {
    margin-bottom: 1rem;
}

.tasks-panel a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: #f8fafc;
    padding: .75rem 1rem;
    border-radius: .5rem;
    text-decoration: none;
    transition: all .2s ease;
}

.tasks-panel a:hover {
    background: #eef4fb;
    transform: translateX(3px);
}

.task-grid {
    display: grid;
    gap: 1.25rem;
    margin-top:auto;	
}

.task-link {
    display: flex;
    justify-content: space-between;
    align-items: center;

    background: white;
    border-radius: .5rem;
    margin-bottom: .75rem;
    text-decoration: none;
    color: #002f6c;
    font-weight: 600;
    padding: 1.25rem 1.5rem;
    font-size: 1.1rem;
}

.task-left {
    display: flex;
    align-items: center;
    gap: .75rem;
}

.task-left i {
    width: 1.25rem;
    text-align: center;
    color: #6b4ea2; /* or your accent color */
}
.task-link span i {
    width: 1.5rem;
    color: #2f66b3;
	font-size:1.2rem;
    margin-right: .5rem;
}
.task-content {
    flex: 1;
}

.task-title {
    font-weight: 700;
    color: #002f6c;
    margin-bottom: .35rem;
}

.task-description {
    color: #555;
    font-size: .95rem;
    line-height: 1.4;
}

/* CALLOUT */
.callout{
    display:flex;
    align-items:center;
    gap:1.5rem;
    padding: 1.5rem 2rem;
    border-radius:1rem;
}

.callout-gold{
    background:#fff8ea;
}
.callout-blue{
    background:#E7ECFE;
}
.callout-icon{
    width:80px;
    height:80px;
    display:flex;
    justify-content:center;
    align-items:center;
    border-radius:50%;
    font-size:2.1rem;
    flex-shrink:0;
}
.callout-icon-gold{
    background:#f7e4b3;
    color:#c28b00;	
}
.callout-icon-blue{
    background:#8FA6FA;
    color:#2754F5;		
}
.callout-content{
    flex:1;
}
.callout-action{
    flex-shrink:0;
}
.callout-section {
    padding-top: 1rem;
    padding-bottom: 1rem;
}
.callout-section .container {
    max-width: 1500px;
}
/* ==========================================================
   INSURANCE PLANS
   ========================================================== */

.insurance-plan-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:2rem;
    align-items:start;
}

.insurance-plan{
    background:#fff;
    border:1px solid #d9e2ec;
    border-radius:1rem;
    padding:1.75rem;
    box-shadow:0 4px 12px rgba(0,0,0,.05);
    height:100%;

    transition:
        transform .2s ease,
        box-shadow .2s ease,
        border-color .2s ease;
}

.insurance-plan:hover{
    transform:translateY(-4px);
    box-shadow:0 10px 24px rgba(0,0,0,.08);
    border-color:#d4a017;
}

.insurance-header{
    display:flex;
    gap:1rem;
    align-items:flex-start;
    margin-bottom:1.5rem;
}

.insurance-icon{
    width:70px;
    height:70px;

    display:flex;
    align-items:center;
    justify-content:center;

    border-radius:50%;

    flex-shrink:0;

    font-size:1.8rem;
}

.insurance-header h3{
    margin:0 0 .35rem;
    color:#002f6c;
    font-size:1.35rem;
}

.insurance-header p{
    margin:0;
    color:#555;
    line-height:1.5;
}

/* ==========================================================
   PRESCRIPTION PANEL
   ========================================================== */

.prescription-panel {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 2rem;
    align-items: center;
}

.prescription-links {
    border-left: 1px solid #d9e2ec;
    padding-left: 2rem;
}

@media (max-width: 900px) {

    .prescription-panel {
        grid-template-columns: 1fr;
    }

    .prescription-links {
        border-left: none;
        border-top: 1px solid #d9e2ec;
        padding-left: 0;
        padding-top: 1.5rem;
    }

}
.panel-gold .panel-icon {
    width: 90px;
    height: 90px;
}

/* ==========================================================
   TIMELINE
   ========================================================== */

.timeline{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:2rem;
    margin:3rem 0;
    position:relative;
}

.timeline-step{
    position:relative;
    text-align:center;
}

.timeline-step:not(:last-child)::before{

    content:"➜";

    position:absolute;

    top:14px;
    right:-18px;

    color:#7f93b6;

    font-size:1.3rem;
	z-index:10;
}

.timeline-number{

    width:48px;
    height:48px;

    margin:0 auto -24px;

    background:#002f6c;
    color:white;

    border-radius:50%;

    display:flex;
    align-items:center;
    justify-content:center;

    font-size:1.5rem;
    font-weight:700;

    position:relative;
    z-index:5;
}

.timeline-card{

    background:white;

    border:1px solid #d9e2ec;

    border-radius:1rem;

    padding:1.9rem 1.25rem 1.25rem;

    height:100%;

    box-shadow:0 4px 12px rgba(0,0,0,.05);

    transition:
        transform .2s ease,
        box-shadow .2s ease;
}

.timeline-card:hover{

    transform:translateY(-5px);

    box-shadow:0 10px 22px rgba(0,0,0,.08);
}

.timeline-icon{

    width:60px;
    height:60px;

    margin-bottom:.75rem;
}

.timeline-card h3{

    margin:.35rem 0 .4rem;

    color:#002f6c;

    font-size:1.15rem;
}

.timeline-card p{

    color:#555;

    margin:0;
}

/* CAMPUS CARD */

.campus-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2.5rem;
    margin-top: 2rem;
}

.campus-card {
    position: relative;
    padding-left: 2rem;
}

.campus-card:not(:first-child)::before {
    content: "";
    position: absolute;
    left: 0;
    top: .5rem;
    bottom: .5rem;
    width: 1px;
    background: #d8d8d8;
}

.campus-card h3 {
    margin: 0;
    display: flex;
    align-items: center;
    gap: .5rem;
    color: var(--cf-blue);
    font-size: 1.15rem;
}

.campus-card h3 i {
    color: #c49a2c;
}

.location {
    margin: .35rem 0 1rem;
    color: #555;
    font-size: .95rem;
}

.campus-card ul {
    margin: 0;
    padding-left: 1.2rem;
}

.campus-card li {
    display: grid;
    grid-template-columns: 135px auto;
    gap: 1rem;
    margin-bottom: .45rem;
}

.campus-card li span:last-child {
    color: #444;
}

@media (max-width: 900px) {

    .campus-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .campus-card {
        padding-left: 0;
        padding-top: 1.5rem;
    }

    .campus-card:not(:first-child)::before {
        display: none;
    }

    .campus-card {
        border-top: 1px solid #ddd;
    }

    .campus-card:first-child {
        border-top: none;
        padding-top: 0;
    }
}
/* VOLUNTARY BENEFITS */
.section-divider {
    margin: 3rem 0;
    border: 0;
    border-top: 1px solid #d9d9d9;
}

.voluntary-benefits {
    margin-top: 3rem;
}

.voluntary-benefits .btn-gold {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    margin-top: 1rem;
}

.notice-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 3rem;
    margin-top: 1.5rem;
}

.notice-card h3 {
    margin: 0 0 .75rem;
    font-size: 1rem;
    font-weight: 600;
}

.notice-card h3 a {
    color: var(--cf-blue);
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-underline-offset: 2px;
}

.notice-card h3 a:hover {
    color: var(--cf-gold);
}

.notice-card p {
    margin: 0;
    line-height: 1.7;
}
/* ==========================================
   GLOSSARY SECTION
========================================== */

.glossary-section{
    margin:4rem 0;
    padding-top:3rem;	
}

.section-header{
    max-width:700px;
    margin-bottom:2.5rem;
}

.section-header h2{
    color:var(--cf-blue);
    margin-bottom:.5rem;
}

.section-header p{
    margin:0;
    color:#555;
    line-height:1.7;
    max-width:700px;	
}

/* ==========================================
   DEFINITION CARDS
========================================== */

.glossary-grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(320px,1fr));
    gap:1.5rem;
    margin-top:1rem;	
}

.glossary-item{
    background:#fff;
    border:1px solid #d9e1ea;
    border-radius:12px;
    padding:1.5rem;
    box-shadow:0 4px 12px rgba(0,0,0,.05);
    transition:.25s ease;
}

.glossary-item:hover{
    transform:translateY(-4px);
    box-shadow:0 10px 22px rgba(0,0,0,.10);
}

.glossary-item h3{
    color:var(--cf-blue);
    margin:0 0 .75rem;
    font-size:1.2rem;
}

.glossary-item p{
    margin:0;
    line-height:1.7;
    color:#555;
}

/* ==========================================
   ACCORDIAN
========================================== */

.accordion-button {
    width: 100%;
    background: #ffffff;
    border: 0;
    padding: 1rem 1.25rem;
    text-align: left;
    font-size: 1rem;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.accordion-button::after {
    content: "+";
    font-size: 1.25rem;
    color: #002f6c;
}

.accordion-button[aria-expanded="true"]::after {
    content: "−";
}

.accordion-content {
    display: none;
    padding: 0 1.25rem 1rem;
}

.faq-grid {
    display: grid;
    grid-template-columns:
        repeat(2, minmax(0, 1fr));
    gap: 1rem;
}

.faq-item {
    background: #ffffff;
    border: 1px solid #d9e2ec;
    border-radius: .75rem;
    overflow: hidden;
}

/* EXTRA RESOURCES */
.resources-section {
    padding-top: 0.1rem;
}

.resource-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: .65rem 1.0rem;
}
.fourcol-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: .65rem 1.0rem;
}

.resource-link {
    display: flex;
    align-items: center;
    gap: .65rem;
    padding: .7rem 0.9rem;
    background: #fff;
    border: 1px solid #d9e2ec;
    border-radius: .65rem;
    text-decoration: none;
    color: #002f6c;
    transition: all .2s ease;
}

.resource-link:hover {
    background: #eef4fb;
    border-color: #b8cce5;
    transform: translateX(3px);
}

.resource-link span {
    flex: 1;
    font-weight: 600;
}

.resource-link i:first-child {
    width: 1.3rem;
    color: #2f66b3;
    text-align: center;
}

.resource-link i:last-child {
    color: #6b7280;
    font-size: .9rem;
}

/* CONTACT */

.contact-box {
    display: grid;
    grid-template-columns: 250px 1fr 300px;
    gap: 2rem;
    background: #f5f7fa;
    padding: 1.5rem;
    border-radius: 1rem;
    align-items: start;
}

.contact-list {
    list-style: none;
    padding: 0;
}

.contact-image img {
    width: 237px;
    height: 260px;
    object-fit: cover;
    border-radius: .75rem;
}

.contact-hours {
    background: #ffffff;
    border: 1px solid #d9e2ec;
    border-radius: .75rem;
    padding: 1.5rem;
    box-shadow: 0 2px 6px rgba(0,0,0,.04);
}

.contact-details {
    margin-left: 2rem;
}

.contact-details p {
    margin-bottom: .75rem;
}

.contact-details h2 {
    margin-top: 0;
    margin-bottom: .75rem;
}

/* FOOTER */

.site-footer {
    background: #002f6c;
    color: white;
    padding: 1.5rem 0 .5rem;
}

.footer-grid {
    display: grid;
    grid-template-columns:
        1.5fr
        1fr
        1fr;
    gap: 2rem;
    align-items: start;
}

.footer-brand img {
    max-width: 150px;
    margin-bottom: .5rem;	
}

.footer-brand p {
    margin: 0;
    color: rgba(255,255,255,.85);
}

.footer-column h3 {
    margin-top: 0;
    margin-bottom: .5rem;
    font-size: 1rem;
    color: white;
}

.footer-column ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-column li {
    margin-bottom: .15rem;
}

.footer-column a {
    color: rgba(255,255,255,.85);
    text-decoration: none;
}

.footer-column a:hover {
    color: white;
}

.footer-title {
    display: block;
    margin-top: 1em;
    margin-bottom: .5em;
    font-size: 1.17em;
    font-weight: 700;
    line-height: 1.2;
    color: #fff;
}

.social-links {
    display: flex;
    gap: 1rem;
    font-size: 1.5rem;
}

.social-links a {
    color: white;
}

.footer-bottom {
    text-align: center;
    margin-top: 1rem;
    padding-top: .75rem;
    border-top: 1px solid rgba(255,255,255,.15);
    font-size: .9rem;
    color: rgba(255,255,255,.75);
}

/* RESPONSIVE */

@media (max-width:1000px) {

    .card-grid,
    .retirement-card-grid {
        grid-template-columns: repeat(2,1fr);
    }

}

@media (max-width:640px) {

    .card-grid,
    .retirement-card-grid {
        grid-template-columns:1fr;
    }

}
@media (max-width: 900px) {

    .info-grid {
        grid-template-columns: 1fr;
    }

}
@media (max-width: 768px) {

    .faq-grid {
        grid-template-columns: 1fr;
    }

}
@media (max-width:900px) {
    .resource-grid {
        grid-template-columns: 1fr;
    }
}
@media (max-width: 900px) {
    .card-grid-6 {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    .card-grid-6 {
        grid-template-columns: 1fr;
    }
}
@media (max-width:900px){

    .timeline{

        grid-template-columns:1fr;
    }

    .timeline-step::after,
    .timeline-step::before{

        display:none;
    }

    .timeline-card{

        margin-top:1rem;
    }

}