/* WhiteStone Communications — insurance landing pages
   Palette and type pulled from whitestonecommunication.com */

:root {
  --navy-950: #040f2e;
  --navy-900: #071b43;
  --navy-800: #061d59;
  --blue-700: #08469f;
  --blue-600: #0879d9;
  --sky-400: #62beff;
  --ice-100: #eef5ff;
  --ice-50: #f6faff;
  --line: #dce8f8;
  --ink: #071b43;
  --muted: #62738b;
  --green: #61d29e;
  --red: #d93b5b;
  --white: #ffffff;

  --grad-brand: linear-gradient(118deg, #061d59, #08469f 56%, #0879d9);
  --grad-hero: radial-gradient(1200px 600px at 85% -10%, rgba(8, 121, 217, .55), transparent 60%),
               radial-gradient(900px 500px at -10% 110%, rgba(98, 190, 255, .18), transparent 60%),
               linear-gradient(160deg, #040f2e 0%, #061d59 55%, #08367f 100%);

  --radius-sm: 10px;
  --radius: 13px;
  --radius-lg: 22px;
  --radius-xl: 30px;
  --shadow-sm: 0 2px 8px rgba(6, 29, 89, .06);
  --shadow: 0 18px 50px -18px rgba(6, 29, 89, .28);
  --shadow-lg: 0 40px 90px -30px rgba(4, 15, 46, .55);

  --font-head: "Manrope", Arial, sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  --ease: cubic-bezier(.2, .8, .2, 1);
  --wrap: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--muted);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--blue-600); text-decoration: none; }
a:hover { color: var(--blue-700); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); margin: 0; line-height: 1.08; }
p { margin: 0 0 1em; }
button, input, select { font: inherit; }
:focus-visible { outline: 3px solid var(--sky-400); outline-offset: 2px; }

.wrap { width: min(var(--wrap), 100% - 40px); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--white); padding: 10px 16px; border-radius: 8px; font-weight: 700; }
.skip:focus { top: 12px; }

/* ---------- Eyebrow / labels ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-head); font-size: 11.5px; font-weight: 800;
  letter-spacing: .14em; text-transform: uppercase; color: var(--blue-700);
}
.eyebrow::before { content: ""; width: 22px; height: 2px; border-radius: 2px; background: currentColor; opacity: .7; }
.pill {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 14px 8px 10px; border-radius: 999px;
  font-family: var(--font-head); font-size: 11px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
  color: rgba(225, 239, 255, .85);
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14);
  backdrop-filter: blur(8px);
}
.dot { position: relative; width: 8px; height: 8px; border-radius: 50%; background: var(--green); flex: none; }
.dot::after { content: ""; position: absolute; inset: 0; border-radius: 50%; background: var(--green); animation: ping 2s var(--ease) infinite; }
@keyframes ping { 0% { transform: scale(1); opacity: .7; } 80%, 100% { transform: scale(2.8); opacity: 0; } }

/* ---------- Buttons ---------- */
.btn {
  --bg: var(--grad-brand);
  position: relative; overflow: hidden; isolation: isolate;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 50px; padding: 0 22px; border: 0; border-radius: var(--radius);
  font-family: var(--font-head); font-weight: 700; font-size: 15px; letter-spacing: -.01em;
  color: var(--white); background: var(--bg); cursor: pointer;
  box-shadow: 0 10px 24px -10px rgba(8, 70, 159, .7);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.btn::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(110deg, transparent 30%, rgba(255, 255, 255, .28) 50%, transparent 70%);
  transform: translateX(-120%); transition: transform .8s var(--ease);
}
.btn:hover { color: var(--white); transform: translateY(-2px); box-shadow: 0 16px 30px -12px rgba(8, 70, 159, .8); }
.btn:hover::after { transform: translateX(120%); }
.btn svg { width: 16px; height: 16px; transition: transform .35s var(--ease); }
.btn:hover svg { transform: translateX(3px); }
.btn-light { --bg: var(--white); color: var(--navy-900); box-shadow: 0 10px 30px -12px rgba(0, 0, 0, .5); }
.btn-light:hover { color: var(--navy-900); }
.btn-ghost { --bg: transparent; color: var(--white); border: 1px solid rgba(255, 255, 255, .22); box-shadow: none; }
.btn-ghost:hover { background: rgba(255, 255, 255, .08); box-shadow: none; }
.btn-block { width: 100%; min-height: 56px; font-size: 16px; }
.btn[disabled] { opacity: .7; cursor: progress; transform: none; }

/* ---------- Header ---------- */
.site-header { position: fixed; inset: 16px 0 auto; z-index: 50; pointer-events: none; }
.nav {
  pointer-events: auto;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 10px 10px 10px 22px; border-radius: 18px;
  background: rgba(255, 255, 255, .96); border: 1px solid rgba(6, 29, 89, .08);
  box-shadow: 0 14px 40px -18px rgba(4, 15, 46, .45);
  backdrop-filter: blur(14px);
  transition: padding .35s var(--ease), box-shadow .35s var(--ease);
}
.site-header.scrolled .nav { padding-top: 7px; padding-bottom: 7px; }
.brand img { height: 50px; width: auto; transition: height .35s var(--ease); }
.site-header.scrolled .brand img { height: 44px; }
.nav-links { display: flex; align-items: center; gap: 28px; list-style: none; margin: 0; padding: 0; }
.nav-links a { font-family: var(--font-head); font-weight: 600; font-size: 14px; color: var(--navy-900); position: relative; }
.nav-links a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 2px; border-radius: 2px; background: var(--blue-600); transform: scaleX(0); transition: transform .35s var(--ease); }
.nav-links a:hover::after { transform: scaleX(1); }
.nav-cta { display: flex; align-items: center; gap: 14px; }
.nav-phone { display: flex; align-items: center; gap: 10px; font-family: var(--font-head); color: var(--navy-900); line-height: 1.15; }
.nav-phone small { display: block; font-size: 10.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.nav-phone strong { font-size: 15px; font-weight: 800; }
.nav-phone .ico { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 11px; background: var(--ice-100); color: var(--blue-700); }
.nav-phone .ico svg { width: 17px; height: 17px; }
.nav .btn { min-height: 46px; }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden; isolation: isolate;
  padding: 150px 0 96px; color: rgba(225, 239, 255, .76);
  background: var(--grad-hero);
}
.hero::before { /* grid lines, echoing the main site */
  content: ""; position: absolute; inset: 0; z-index: -1; opacity: .5;
  background-image: linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at 30% 40%, #000 20%, transparent 75%);
}
.orb { position: absolute; z-index: -1; border-radius: 50%; filter: blur(60px); opacity: .55; animation: drift 14s ease-in-out infinite alternate; }
.orb-a { width: 380px; height: 380px; right: 8%; top: 12%; background: #0879d9; }
.orb-b { width: 300px; height: 300px; left: -6%; bottom: -10%; background: #62beff; opacity: .22; animation-duration: 18s; }
@keyframes drift { from { transform: translate3d(0, 0, 0) scale(1); } to { transform: translate3d(-40px, 30px, 0) scale(1.12); } }

.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: start; }
.hero h1 {
  margin: 22px 0 22px; color: var(--white);
  font-size: clamp(40px, 5.4vw, 66px); font-weight: 800; letter-spacing: -.055em; line-height: 1.02;
}
.hero h1 .accent { background: linear-gradient(90deg, #62beff, #a9dcff); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-lede { font-size: 18px; max-width: 540px; color: rgba(225, 239, 255, .78); }
.checks { list-style: none; padding: 0; margin: 28px 0 34px; display: grid; gap: 12px; }
.checks li { display: flex; gap: 12px; align-items: flex-start; color: rgba(239, 246, 255, .9); font-weight: 500; }
.checks svg { flex: none; width: 22px; height: 22px; padding: 4px; border-radius: 7px; background: rgba(97, 210, 158, .15); color: var(--green); margin-top: 1px; }

.hero-media { position: relative; margin-top: 8px; max-width: 540px; }
.hero-photo {
  position: relative; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 16 / 10;
  border: 1px solid rgba(255, 255, 255, .14); box-shadow: var(--shadow-lg);
}
.hero-photo img { width: 100%; height: 100%; object-fit: cover; transform: scale(1.06); animation: slowzoom 18s ease-out forwards; }
.hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 45%, rgba(4, 15, 46, .55)); }
@keyframes slowzoom { to { transform: scale(1); } }
.float-chip {
  position: absolute; display: flex; align-items: center; gap: 12px;
  padding: 12px 16px 12px 12px; border-radius: 16px;
  background: rgba(255, 255, 255, .97); box-shadow: 0 20px 40px -16px rgba(4, 15, 46, .6);
  animation: bob 6s ease-in-out infinite;
}
.float-chip .ico { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: var(--grad-brand); color: var(--white); }
.float-chip .ico svg { width: 18px; height: 18px; }
.float-chip small { display: block; font-family: var(--font-head); font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.float-chip strong { display: flex; align-items: center; gap: 8px; font-family: var(--font-head); font-size: 14px; color: var(--navy-900); }
.chip-a { left: -22px; bottom: 26px; }
.chip-b { right: -18px; top: 22px; animation-delay: -3s; }
@keyframes bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* ---------- Form card ---------- */
.form-card {
  position: relative; scroll-margin-top: 100px;
  padding: 30px; border-radius: var(--radius-xl); color: var(--muted);
  border: 1.5px solid transparent; /* glowing gradient border */
  background:
    linear-gradient(var(--white), var(--white)) padding-box,
    linear-gradient(140deg, #62beff, rgba(8, 121, 217, .35) 40%, rgba(255, 255, 255, .2) 70%, #62beff) border-box;
  box-shadow: var(--shadow-lg), 0 0 60px -20px rgba(98, 190, 255, .45);
}
.card-head { margin-bottom: 20px; }
.card-head .tag { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-head); font-size: 11px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--blue-700); margin-bottom: 10px; }
.card-head h2 { font-size: 26px; letter-spacing: -.035em; margin-bottom: 8px; }
.card-head p { font-size: 14.5px; margin: 0; }
.progress { display: flex; align-items: center; gap: 12px; margin-top: 16px; font-family: var(--font-head); font-size: 12px; font-weight: 700; color: var(--muted); }
.progress-track { flex: 1; height: 6px; border-radius: 6px; background: var(--ice-100); overflow: hidden; }
.progress-bar { height: 100%; width: 0; border-radius: inherit; background: linear-gradient(90deg, #0879d9, #62beff); transition: width .5s var(--ease); }

fieldset { border: 0; padding: 0; margin: 0 0 18px; min-width: 0; }
legend { display: flex; align-items: center; gap: 10px; padding: 0; margin-bottom: 12px; font-family: var(--font-head); font-size: 13px; font-weight: 800; color: var(--navy-900); }
legend .num { display: grid; place-items: center; width: 22px; height: 22px; border-radius: 7px; background: var(--ice-100); color: var(--blue-700); font-size: 11px; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field { margin-bottom: 12px; }
.field > label, .group-label { display: block; margin-bottom: 6px; font-size: 13px; font-weight: 600; color: var(--navy-900); }
.control {
  width: 100%; height: 50px; padding: 0 14px; border-radius: var(--radius-sm);
  border: 1.5px solid var(--line); background: var(--ice-50); color: var(--ink); font-size: 15px;
  transition: border-color .25s, box-shadow .25s, background .25s;
  -webkit-appearance: none; appearance: none;
}
select.control {
  padding-right: 38px; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%2308469f' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
}
.control::placeholder { color: #a3b1c4; }
.control:hover { border-color: #c3d6ef; }
.control:focus { outline: none; border-color: var(--blue-600); background: var(--white); box-shadow: 0 0 0 4px rgba(8, 121, 217, .12); }
.field.valid .control { border-color: rgba(97, 210, 158, .8); }
.invalid .control { border-color: var(--red); background: #fff7f9; }
.err { min-height: 0; margin: 5px 0 0; font-size: 12.5px; font-weight: 600; color: var(--red); }
.err:empty { display: none; }

.choices { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; }
.choice span {
  display: flex; align-items: center; justify-content: center; height: 46px; border-radius: var(--radius-sm);
  border: 1.5px solid var(--line); background: var(--ice-50); font-size: 14px; font-weight: 600; color: var(--navy-900);
  transition: all .25s var(--ease);
}
.choice input:hover + span { border-color: #c3d6ef; }
.choice input:focus-visible + span { box-shadow: 0 0 0 4px rgba(8, 121, 217, .18); }
.choice input:checked + span { border-color: var(--blue-600); background: var(--grad-brand); color: var(--white); transform: translateY(-1px); box-shadow: 0 8px 18px -10px rgba(8, 70, 159, .8); }
.invalid .choice span { border-color: var(--red); }

.consent {
  display: flex; gap: 12px; padding: 14px; margin: 6px 0 16px; border-radius: 14px;
  background: var(--ice-50); border: 1.5px solid var(--line); transition: border-color .25s;
}
.consent.invalid { border-color: var(--red); background: #fff7f9; }
.consent input[type=checkbox] { flex: none; width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--blue-700); cursor: pointer; }
.consent-title { display: block; font-size: 13.5px; font-weight: 700; color: var(--navy-900); margin-bottom: 4px; cursor: pointer; }
.consent-text { display: block; font-size: 11.5px; line-height: 1.55; color: var(--muted); cursor: pointer; }
.consent-text strong { color: var(--navy-900); }
.form-error { display: none; margin: 0 0 12px; padding: 10px 14px; border-radius: 10px; background: #fff0f3; color: var(--red); font-size: 13.5px; font-weight: 600; }
.form-error.show { display: block; animation: shake .4s; }
@keyframes shake { 20%, 60% { transform: translateX(-5px); } 40%, 80% { transform: translateX(5px); } }
.secure { display: flex; align-items: center; justify-content: center; gap: 8px; margin: 12px 0 0; font-size: 12.5px; color: var(--muted); }
.secure svg { width: 14px; height: 14px; color: var(--green); }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

.done { display: none; text-align: center; padding: 30px 10px; }
.done.show { display: block; animation: pop .6s var(--ease); }
.done .tick { display: grid; place-items: center; width: 76px; height: 76px; margin: 0 auto 20px; border-radius: 50%; background: rgba(97, 210, 158, .15); color: #2fb57a; }
.done .tick svg { width: 38px; height: 38px; stroke-dasharray: 30; stroke-dashoffset: 30; animation: draw .6s .25s forwards; }
.done h3 { font-size: 26px; letter-spacing: -.03em; margin-bottom: 10px; }
@keyframes pop { from { opacity: 0; transform: scale(.94); } to { opacity: 1; transform: none; } }
@keyframes draw { to { stroke-dashoffset: 0; } }

/* ---------- Marquee ---------- */
.marquee { position: relative; overflow: hidden; padding: 20px 0; background: var(--navy-950); border-top: 1px solid rgba(255, 255, 255, .06); }
.marquee::before, .marquee::after { content: ""; position: absolute; top: 0; bottom: 0; width: 120px; z-index: 2; }
.marquee::before { left: 0; background: linear-gradient(90deg, var(--navy-950), transparent); }
.marquee::after { right: 0; background: linear-gradient(-90deg, var(--navy-950), transparent); }
.marquee-track { display: flex; width: max-content; animation: scroll 38s linear infinite; }
.marquee-track span { display: inline-flex; align-items: center; gap: 22px; padding-right: 22px; white-space: nowrap; font-family: var(--font-head); font-weight: 700; font-size: 15px; color: rgba(225, 239, 255, .72); }
.marquee-track span::after { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--sky-400); }
@keyframes scroll { to { transform: translateX(-50%); } }

/* ---------- Sections ---------- */
.section { padding: 110px 0; position: relative; }
.section-alt { background: linear-gradient(180deg, var(--ice-50), var(--ice-100)); }
.section-head { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: end; margin-bottom: 56px; }
.section-head.center { grid-template-columns: 1fr; text-align: center; max-width: 720px; margin-inline: auto; }
.section-head.center .eyebrow { justify-content: center; }
.h2 { margin-top: 16px; font-size: clamp(32px, 4vw, 50px); font-weight: 800; letter-spacing: -.05em; }
.h2 .soft { color: var(--blue-600); }
.section-head p { font-size: 17px; margin: 0; }

.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.card {
  position: relative; overflow: hidden; padding: 28px 24px 26px; border-radius: var(--radius-lg);
  background: var(--white); border: 1px solid var(--line); box-shadow: var(--shadow-sm);
  transition: transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s;
}
.card::before { content: ""; position: absolute; inset: 0 0 auto; height: 3px; background: var(--grad-brand); transform: scaleX(0); transform-origin: left; transition: transform .6s var(--ease); }
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card:hover::before { transform: scaleX(1); }
.card .n { font-family: var(--font-head); font-size: 13px; font-weight: 800; color: #b3c3d8; }
.card .ico { display: grid; place-items: center; width: 52px; height: 52px; margin: 18px 0 22px; border-radius: 15px; background: var(--ice-100); color: var(--blue-700); transition: background .45s, color .45s, transform .45s var(--ease); }
.card:hover .ico { background: var(--grad-brand); color: var(--white); transform: rotate(-6deg); }
.card .ico svg { width: 24px; height: 24px; }
.card h3 { font-size: 20px; letter-spacing: -.03em; margin-bottom: 10px; }
.card p { font-size: 14.5px; margin: 0; }
.card .kicker { display: block; font-family: var(--font-head); font-size: 11px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--blue-600); margin-bottom: 4px; }

/* split feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.split-media { position: relative; }
.split-media .main { border-radius: var(--radius-xl); overflow: hidden; aspect-ratio: 4 / 4.2; box-shadow: var(--shadow); }
.split-media .main img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.split-media:hover .main img { transform: scale(1.04); }
.split-media .inset { position: absolute; right: -26px; bottom: -30px; width: 46%; border-radius: var(--radius-lg); overflow: hidden; border: 6px solid var(--white); box-shadow: var(--shadow); aspect-ratio: 1; }
.split-media .inset img { width: 100%; height: 100%; object-fit: cover; }
.split-media .badge {
  position: absolute; left: -20px; top: 30px; padding: 16px 18px; border-radius: 18px;
  background: var(--grad-brand); color: var(--white); box-shadow: var(--shadow); animation: bob 7s ease-in-out infinite;
}
.split-media .badge strong { display: block; font-family: var(--font-head); font-size: 30px; font-weight: 800; letter-spacing: -.04em; line-height: 1; }
.split-media .badge small { font-size: 12px; color: rgba(225, 239, 255, .8); }
.adv { list-style: none; padding: 0; margin: 30px 0 34px; display: grid; gap: 4px; }
.adv li { display: grid; grid-template-columns: 44px 1fr; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.adv li:last-child { border-bottom: 0; }
.adv .n { font-family: var(--font-head); font-weight: 800; font-size: 14px; color: var(--blue-600); padding-top: 2px; }
.adv h3 { font-size: 18px; letter-spacing: -.02em; margin-bottom: 6px; }
.adv p { margin: 0; font-size: 15px; }

/* stats band */
.stats {
  position: relative; overflow: hidden; border-radius: var(--radius-xl); padding: 54px;
  background: var(--grad-hero); color: rgba(225, 239, 255, .76);
  display: grid; grid-template-columns: 1.1fr 2fr; gap: 50px; align-items: center;
}
.stats h2 { color: var(--white); }
.stats .eyebrow { color: var(--sky-400); }
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.stat { padding: 24px 22px; border-radius: 18px; background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1); transition: background .4s, transform .4s var(--ease); }
.stat:hover { background: rgba(255, 255, 255, .09); transform: translateY(-4px); }
.stat strong { display: block; font-family: var(--font-head); font-size: clamp(30px, 3.4vw, 42px); font-weight: 800; letter-spacing: -.05em; line-height: 1; color: var(--white); margin-bottom: 10px; }
.stat strong em { font-style: normal; color: var(--sky-400); }
.stat span { font-size: 14px; line-height: 1.5; display: block; }
.stat small { display: block; margin-top: 8px; font-size: 11.5px; color: rgba(225, 239, 255, .5); }

/* countdown */
.countdown { display: flex; gap: 10px; margin: 26px 0 0; }
.countdown div { min-width: 74px; padding: 14px 10px; border-radius: 14px; text-align: center; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); }
.countdown b { display: block; font-family: var(--font-head); font-size: 30px; font-weight: 800; color: var(--white); letter-spacing: -.04em; line-height: 1; font-variant-numeric: tabular-nums; }
.countdown small { font-size: 10.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: rgba(225, 239, 255, .6); }

/* timeline / process */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; counter-reset: s; position: relative; }
.steps::before { content: ""; position: absolute; top: 34px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, #c3d6ef 0 8px, transparent 8px 16px); }
.step { position: relative; text-align: center; padding: 0 14px; }
.step .bubble {
  position: relative; display: grid; place-items: center; width: 68px; height: 68px; margin: 0 auto 26px; border-radius: 22px;
  background: var(--white); border: 1px solid var(--line); color: var(--blue-700); box-shadow: var(--shadow-sm);
  font-family: var(--font-head); font-weight: 800; font-size: 20px; transition: all .45s var(--ease);
}
.step:hover .bubble { background: var(--grad-brand); color: var(--white); transform: translateY(-4px) rotate(-4deg); box-shadow: var(--shadow); }
.step .kicker { display: block; font-family: var(--font-head); font-size: 11px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--blue-600); margin-bottom: 8px; }
.step h3 { font-size: 21px; letter-spacing: -.03em; margin-bottom: 10px; }
.step p { font-size: 15px; margin: 0; }

/* dates list (medicare) */
.dates { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.date-card { padding: 28px; border-radius: var(--radius-lg); background: var(--white); border: 1px solid var(--line); transition: transform .45s var(--ease), box-shadow .45s; }
.date-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.date-card .when { display: inline-block; padding: 6px 12px; margin-bottom: 18px; border-radius: 999px; background: var(--ice-100); color: var(--blue-700); font-family: var(--font-head); font-size: 12.5px; font-weight: 800; }
.date-card.hot .when { background: var(--grad-brand); color: var(--white); }
.date-card h3 { font-size: 20px; letter-spacing: -.03em; margin-bottom: 10px; }
.date-card p { font-size: 14.5px; margin: 0; }

/* FAQ */
.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 60px; align-items: start; }
.faq-aside { position: sticky; top: 120px; }
.faq-aside p { font-size: 17px; margin: 18px 0 28px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 22px 0; font-family: var(--font-head); font-size: 17.5px; font-weight: 700; letter-spacing: -.02em; color: var(--navy-900);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary .pm { flex: none; position: relative; width: 34px; height: 34px; border-radius: 10px; background: var(--ice-100); transition: background .35s, transform .35s var(--ease); }
.faq summary .pm::before, .faq summary .pm::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; margin: -1px 0 0 -6px; border-radius: 2px; background: var(--blue-700); transition: transform .35s var(--ease), background .35s; }
.faq summary .pm::after { transform: rotate(90deg); }
.faq details[open] summary .pm { background: var(--grad-brand); transform: rotate(180deg); }
.faq details[open] summary .pm::before, .faq details[open] summary .pm::after { background: var(--white); }
.faq details[open] summary .pm::after { transform: rotate(0); }
.faq .answer { overflow: hidden; }
.faq .answer p { padding: 0 50px 22px 0; margin: 0; font-size: 15.5px; }

/* CTA band */
.cta {
  position: relative; overflow: hidden; isolation: isolate; border-radius: var(--radius-xl);
  padding: 70px 60px; background: var(--grad-hero); color: rgba(225, 239, 255, .76);
  display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: center;
}
.cta::before { content: ""; position: absolute; inset: 0; z-index: -1; opacity: .35; background-image: linear-gradient(rgba(255, 255, 255, .06) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .06) 1px, transparent 1px); background-size: 48px 48px; mask-image: linear-gradient(90deg, transparent, #000); }
.cta h2 { color: var(--white); }
.cta p { font-size: 17px; margin: 16px 0 0; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; }

/* ---------- Footer ---------- */
.site-footer { margin-top: 110px; padding: 70px 0 30px; background: var(--navy-950); color: rgba(225, 239, 255, .62); font-size: 14px; }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 50px; padding-bottom: 40px; border-bottom: 1px solid rgba(255, 255, 255, .08); }
.foot-grid img { height: 56px; width: auto; margin: -6px 0 12px -6px; filter: brightness(0) invert(1); }
.foot-grid h4 { font-size: 11.5px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--sky-400); margin-bottom: 18px; }
.foot-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.foot-grid a { color: rgba(239, 246, 255, .82); transition: color .25s; }
.foot-grid a:hover { color: var(--white); }
.foot-grid .lbl { display: block; font-size: 10.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: rgba(225, 239, 255, .45); }
.disclaimers { padding: 30px 0; border-bottom: 1px solid rgba(255, 255, 255, .08); display: grid; gap: 12px; font-size: 12.5px; line-height: 1.65; color: rgba(225, 239, 255, .5); }
.disclaimers p { margin: 0; }
.foot-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 14px; padding-top: 24px; font-size: 12.5px; color: rgba(225, 239, 255, .45); }
.foot-bottom nav { display: flex; gap: 20px; }
.foot-bottom a { color: rgba(225, 239, 255, .7); }

/* mobile sticky CTA */
.mobile-cta { display: none; }

/* ---------- Reveal animations ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .9s var(--ease), transform .9s var(--ease); transition-delay: var(--d, 0s); }
.reveal.in { opacity: 1; transform: none; }
.reveal-left { transform: translateX(-30px); }
.reveal-right { transform: translateX(30px); }
.reveal-left.in, .reveal-right.in { transform: none; }
.hero .intro > * { opacity: 0; transform: translateY(20px); animation: rise .9s var(--ease) forwards; }
.hero .intro > *:nth-child(1) { animation-delay: .05s; }
.hero .intro > *:nth-child(2) { animation-delay: .15s; }
.hero .intro > *:nth-child(3) { animation-delay: .25s; }
.hero .intro > *:nth-child(4) { animation-delay: .35s; }
.hero .intro > *:nth-child(5) { animation-delay: .45s; }
.hero .form-card { opacity: 0; animation: rise 1s .3s var(--ease) forwards; }
@keyframes rise { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: none; } }

/* ---------- Legal pages ---------- */
.legal-hero { padding: 150px 0 70px; background: var(--grad-hero); color: rgba(225, 239, 255, .76); position: relative; overflow: hidden; isolation: isolate; }
.legal-hero::before { content: ""; position: absolute; inset: 0; z-index: -1; opacity: .5; background-image: linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px); background-size: 64px 64px; mask-image: radial-gradient(ellipse at 30% 40%, #000 20%, transparent 75%); }
.legal-hero h1 { margin: 20px 0 14px; color: var(--white); font-size: clamp(38px, 5vw, 60px); font-weight: 800; letter-spacing: -.05em; }
.legal-hero p { max-width: 640px; font-size: 17px; }
.legal-meta { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.legal-meta span { padding: 7px 14px; border-radius: 999px; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .12); font-size: 13px; font-weight: 600; color: rgba(239, 246, 255, .85); }
.legal-body { display: grid; grid-template-columns: 260px 1fr; gap: 60px; padding: 70px 0 0; }
.toc { position: sticky; top: 110px; align-self: start; padding: 22px; border-radius: var(--radius-lg); background: var(--ice-50); border: 1px solid var(--line); }
.toc h4 { font-size: 11.5px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--blue-700); margin-bottom: 12px; }
.toc ol { margin: 0; padding: 0; list-style: none; counter-reset: t; display: grid; gap: 2px; }
.toc li { counter-increment: t; }
.toc a { display: flex; gap: 10px; padding: 7px 10px; border-radius: 8px; font-size: 13.5px; font-weight: 600; color: var(--muted); transition: background .25s, color .25s; }
.toc a::before { content: counter(t, decimal-leading-zero); font-family: var(--font-head); font-weight: 800; font-size: 11.5px; color: #a7b7cd; padding-top: 2px; }
.toc a:hover, .toc a.active { background: var(--white); color: var(--navy-900); }
.toc a.active::before { color: var(--blue-600); }
.prose { max-width: 780px; color: #4d5d74; font-size: 16px; line-height: 1.75; }
.prose section { scroll-margin-top: 110px; padding-bottom: 34px; margin-bottom: 34px; border-bottom: 1px solid var(--line); }
.prose section:last-child { border-bottom: 0; }
.prose h2 { display: flex; align-items: baseline; gap: 14px; font-size: 26px; letter-spacing: -.035em; margin-bottom: 18px; }
.prose h2 .n { font-size: 14px; color: var(--blue-600); }
.prose h3 { font-size: 16px; letter-spacing: -.01em; margin: 22px 0 8px; }
.prose ul { padding-left: 0; list-style: none; display: grid; gap: 10px; margin: 0 0 1em; }
.prose ul li { position: relative; padding-left: 26px; }
.prose ul li::before { content: ""; position: absolute; left: 4px; top: 11px; width: 8px; height: 8px; border-radius: 3px; background: var(--sky-400); }
.prose strong { color: var(--navy-900); }
.notice { padding: 20px 22px; margin-bottom: 40px; border-radius: 16px; background: var(--ice-100); border-left: 4px solid var(--blue-600); color: var(--navy-900); }
.notice strong { display: block; font-family: var(--font-head); margin-bottom: 4px; }
.contact-box { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 10px; }
.contact-box div { padding: 18px 20px; border-radius: 14px; background: var(--ice-50); border: 1px solid var(--line); }
.contact-box .lbl { display: block; font-family: var(--font-head); font-size: 11px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--blue-700); margin-bottom: 6px; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero-grid { grid-template-columns: 1fr; gap: 50px; }
  .hero-media { max-width: 640px; }
  .form-card { max-width: 640px; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .stats { grid-template-columns: 1fr; }
  .nav-links { display: none; }
}
@media (max-width: 860px) {
  .section { padding: 80px 0; }
  .section-head { grid-template-columns: 1fr; gap: 16px; margin-bottom: 40px; }
  .split, .faq-wrap, .cta { grid-template-columns: 1fr; gap: 50px; }
  .split-media { margin: 0 26px 30px 20px; }
  .faq-aside { position: static; }
  .cta { padding: 50px 30px; gap: 28px; }
  .cta-actions { justify-content: flex-start; }
  .steps, .dates { grid-template-columns: 1fr; gap: 34px; }
  .steps::before { display: none; }
  .stat-grid { grid-template-columns: 1fr; }
  .stats { padding: 40px 26px; }
  .foot-grid { grid-template-columns: 1fr; gap: 34px; }
  .legal-body { grid-template-columns: 1fr; gap: 30px; }
  .toc { position: static; }
  .nav-phone div { display: none; }
}
@media (max-width: 600px) {
  .wrap { width: calc(100% - 32px); }
  .site-header { inset: 10px 0 auto; }
  .nav { padding: 8px 8px 8px 14px; border-radius: 15px; }
  .brand img, .site-header.scrolled .brand img { height: 40px; }
  .nav .btn { display: none; }
  .hero { padding: 116px 0 70px; }
  .hero-lede { font-size: 16.5px; }
  .chip-a { left: 10px; bottom: 12px; }
  .chip-b { display: none; }
  .form-card { padding: 22px 18px; border-radius: 22px; }
  .row { grid-template-columns: 1fr; gap: 0; }
  .choices { grid-template-columns: repeat(3, 1fr); }
  .cards { grid-template-columns: 1fr; }
  .split-media .inset { right: -16px; bottom: -24px; }
  .split-media .badge { left: -12px; }
  .countdown div { min-width: 0; flex: 1; }
  .contact-box { grid-template-columns: 1fr; }
  .faq .answer p { padding-right: 0; }
  .site-footer { margin-top: 80px; padding-bottom: 100px; }
  .mobile-cta {
    display: flex; gap: 10px; position: fixed; left: 12px; right: 12px; bottom: 12px; z-index: 40;
    padding: 8px; border-radius: 18px; background: rgba(4, 15, 46, .92); backdrop-filter: blur(12px);
    box-shadow: 0 20px 40px -16px rgba(0, 0, 0, .6);
    transform: translateY(140%); transition: transform .45s var(--ease);
  }
  .mobile-cta.show { transform: none; }
  .mobile-cta .btn { flex: 1; min-height: 48px; padding: 0 12px; font-size: 14px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .reveal, .hero .intro > *, .hero .form-card { opacity: 1 !important; transform: none !important; }
}