/* ==========================================================
   Health Stay Benefits  |  healthstaybenefits.com
   ========================================================== */
:root {
  --navy: #0b3f7e;
  --navy-2: #0b4a8f;
  --ink: #0d1b33;
  --blue: #0a8fe0;
  --teal: #10998a;
  --green: #3db54a;
  --mint: #e8f7f1;
  --sky: #eaf4fd;
  --bg: #f7fafd;
  --white: #fff;
  --muted: #5b6b82;
  --line: #dfe7f1;
  --grad: linear-gradient(120deg, var(--navy-2) 0%, var(--blue) 45%, var(--teal) 75%, var(--green) 100%);
  --grad-soft: linear-gradient(135deg, #0a8fe0 0%, #10998a 60%, #3db54a 100%);
  --shadow-sm: 0 2px 8px rgba(11, 63, 126, .06);
  --shadow: 0 18px 50px -18px rgba(11, 63, 126, .28);
  --shadow-lg: 0 40px 80px -30px rgba(11, 63, 126, .4);
  --r: 20px;
  --ease: cubic-bezier(.22, 1, .36, 1);
  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --serif: "Instrument Serif", Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; overflow-x: clip; }
body {
  margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg);
  line-height: 1.6; font-size: 16px; overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
body.is-loading { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4, h5 { margin: 0; line-height: 1.15; letter-spacing: -.02em; }
p { margin: 0; }
button, input, select { font: inherit; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.wrap { width: min(1200px, 100% - 40px); margin-inline: auto; }
.serif { font-family: var(--serif); font-weight: 400; font-style: italic; letter-spacing: -.01em; }
.grad-text { background: var(--grad-soft); -webkit-background-clip: text; background-clip: text; color: transparent; padding-right: .06em; }

/* ---------- Curtain / intro ---------- */
.curtain {
  position: fixed; inset: 0; z-index: 200; background: var(--white);
  display: grid; place-content: center; justify-items: center; gap: 22px;
  transition: clip-path 1s var(--ease) .1s;
  clip-path: inset(0 0 0 0);
}
.curtain__icon { animation: pop .8s var(--ease) both; }
.curtain__bar { width: 140px; height: 3px; border-radius: 3px; background: var(--line); overflow: hidden; }
.curtain__bar span { display: block; height: 100%; width: 100%; background: var(--grad); transform-origin: left; animation: load 1s var(--ease) both; }
.curtain.is-done { clip-path: inset(0 0 100% 0); pointer-events: none; }
@keyframes pop { from { transform: scale(.4) rotate(-12deg); opacity: 0; } to { transform: none; opacity: 1; } }
@keyframes load { from { transform: scaleX(0); } to { transform: scaleX(1); } }

/* ---------- Scroll progress ---------- */
.progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 120; pointer-events: none; }
.progress span { display: block; height: 100%; background: var(--grad); transform-origin: left; transform: scaleX(0); }

/* ---------- Buttons ---------- */
.btn {
  --bx: 0px; --by: 0px;
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 15px 26px; border-radius: 999px; border: 0; cursor: pointer;
  font-weight: 700; font-size: 15.5px; white-space: nowrap;
  transform: translate(var(--bx), var(--by));
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), background-color .3s, color .3s;
  position: relative; overflow: hidden; isolation: isolate;
}
.btn .arrow { transition: transform .35s var(--ease); display: inline-block; }
.btn:hover .arrow { transform: translateX(5px); }
.btn--primary { color: #fff; background: var(--grad); background-size: 180% 100%; box-shadow: 0 12px 28px -10px rgba(10, 143, 224, .6); }
.btn--primary::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(110deg, transparent 30%, rgba(255,255,255,.45) 50%, transparent 70%);
  transform: translateX(-120%); transition: transform .8s var(--ease);
}
.btn--primary:hover::after { transform: translateX(120%); }
.btn--primary:hover { box-shadow: 0 18px 36px -12px rgba(10, 143, 224, .75); }
.btn--sm { padding: 11px 20px; font-size: 14.5px; }
.btn--ghost { background: var(--white); color: var(--navy); box-shadow: inset 0 0 0 1.5px var(--line); }
.btn--ghost:hover { box-shadow: inset 0 0 0 1.5px var(--blue); color: var(--blue); }
.btn--light { background: #fff; color: var(--navy); box-shadow: 0 14px 30px -12px rgba(0,0,0,.35); }
.btn:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, summary:focus-visible { outline: 3px solid rgba(10,143,224,.45); outline-offset: 3px; }

/* ---------- Topbar ---------- */
.topbar { background: var(--navy); color: #d6e6fb; font-size: 13.5px; }
.topbar__in { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 8px 0; }
.topbar__in p { display: flex; align-items: center; gap: 10px; }
.topbar__phone { display: inline-flex; align-items: center; gap: 8px; color: #fff; font-weight: 700; }
.topbar__phone svg { width: 16px; fill: #7fe08a; }
.pulse-dot { width: 9px; height: 9px; border-radius: 50%; background: #45d160; position: relative; flex: none; }
.pulse-dot::after { content: ""; position: absolute; inset: 0; border-radius: 50%; background: inherit; animation: ping 1.8s ease-out infinite; }
@keyframes ping { from { transform: scale(1); opacity: .8; } to { transform: scale(3); opacity: 0; } }

/* ---------- Nav ---------- */
.nav { position: sticky; top: 0; z-index: 100; transition: background-color .35s, box-shadow .35s, backdrop-filter .35s; }
.nav.is-stuck { background: rgba(255,255,255,.82); backdrop-filter: saturate(1.6) blur(14px); -webkit-backdrop-filter: saturate(1.6) blur(14px); box-shadow: 0 1px 0 var(--line), var(--shadow-sm); }
.nav__in { display: flex; align-items: center; gap: 28px; height: 76px; }
.brand { display: flex; align-items: center; gap: 11px; margin-right: auto; }
.brand img { width: 44px; height: auto; transition: transform .6s var(--ease); }
.brand:hover img { transform: rotate(-8deg) scale(1.06); }
.brand__txt { display: flex; flex-direction: column; line-height: 1; }
.brand__txt b { font-size: 21px; font-weight: 800; color: var(--navy-2); letter-spacing: -.03em; }
.brand__txt b em { font-style: normal; background: linear-gradient(90deg, var(--green), var(--teal)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.brand__txt small { font-size: 10.5px; letter-spacing: .42em; color: var(--navy-2); font-weight: 600; margin-top: 4px; text-transform: uppercase; }
.nav__links { display: flex; gap: 30px; }
.nav__links a { font-weight: 600; font-size: 15px; color: #33415a; position: relative; padding: 6px 0; }
.nav__links a::after { content: ""; position: absolute; left: 0; bottom: 0; height: 2px; width: 100%; background: var(--grad); transform: scaleX(0); transform-origin: right; transition: transform .45s var(--ease); }
.nav__links a:hover::after, .nav__links a.is-active::after { transform: scaleX(1); transform-origin: left; }
.nav__links a.is-active { color: var(--navy-2); }
.nav__burger { display: none; width: 44px; height: 44px; border: 0; background: var(--white); border-radius: 12px; box-shadow: inset 0 0 0 1.5px var(--line); cursor: pointer; position: relative; }
.nav__burger span { position: absolute; left: 12px; right: 12px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .35s var(--ease); }
.nav__burger span:first-child { top: 17px; } .nav__burger span:last-child { top: 25px; }
.nav.is-open .nav__burger span:first-child { transform: translateY(4px) rotate(45deg); }
.nav.is-open .nav__burger span:last-child { transform: translateY(-4px) rotate(-45deg); }
.nav__drawer { display: none; }

/* ---------- Hero ---------- */
.hero { position: relative; padding: 50px 0 110px; overflow: hidden; }
.hero__bg { position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, #f2f8fe 0%, var(--bg) 100%); }
.hero__grid { position: absolute; inset: 0; background-image: linear-gradient(rgba(11,74,143,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(11,74,143,.05) 1px, transparent 1px); background-size: 56px 56px; mask-image: radial-gradient(ellipse 70% 60% at 50% 30%, #000 30%, transparent 75%); -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 30%, #000 30%, transparent 75%); }
.blob { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .55; animation: drift 18s ease-in-out infinite alternate; }
.blob--a { width: 520px; height: 520px; background: #9fd4ff; top: -160px; right: -80px; }
.blob--b { width: 420px; height: 420px; background: #a6ecc4; bottom: -120px; right: 28%; animation-delay: -6s; }
.blob--c { width: 360px; height: 360px; background: #c9e2ff; top: 20%; left: -140px; animation-delay: -12s; }
@keyframes drift { 0% { transform: translate(0,0) scale(1); } 50% { transform: translate(40px,-30px) scale(1.08); } 100% { transform: translate(-30px,30px) scale(.95); } }

.hero__in { display: grid; grid-template-columns: 1.05fr 1fr; gap: 56px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; padding: 8px 16px 8px 12px; border-radius: 999px; background: var(--white); box-shadow: var(--shadow-sm), inset 0 0 0 1px var(--line); font-weight: 700; font-size: 13.5px; color: var(--navy-2); }
.eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--grad-soft); box-shadow: 0 0 0 4px rgba(61,181,74,.15); }
.hero__title { font-size: clamp(42px, 6.2vw, 76px); font-weight: 800; letter-spacing: -.045em; line-height: 1.02; margin: 22px 0 22px; color: var(--ink); }
.hero__title .line { display: block; overflow: hidden; padding-bottom: .06em; }
.hero__title .line > span { display: inline-block; transform: translateY(110%); transition: transform 1.1s var(--ease); }
.hero__title .serif { font-size: 1.1em; }
body.is-ready .hero__title .line > span { transform: none; }
body.is-ready .hero__title .line:nth-child(2) > span { transition-delay: .09s; }
body.is-ready .hero__title .line:nth-child(3) > span { transition-delay: .18s; }
.hero__lead { font-size: 18.5px; color: var(--muted); max-width: 540px; }
.hero__lead strong { color: var(--ink); }

.rotator { display: inline-grid; vertical-align: bottom; font-weight: 700; color: var(--teal); }
.rotator__word { grid-area: 1/1; opacity: 0; transform: translateY(60%); transition: opacity .5s, transform .6s var(--ease); white-space: nowrap; }
.rotator__word.is-on { opacity: 1; transform: none; }
.rotator__word.is-out { opacity: 0; transform: translateY(-60%); }

.zipcard { margin-top: 30px; display: flex; gap: 8px; padding: 8px; background: var(--white); border-radius: 999px; box-shadow: var(--shadow), inset 0 0 0 1px var(--line); max-width: 520px; }
.zipcard__field { flex: 1; display: flex; align-items: center; gap: 10px; padding-left: 16px; }
.zipcard__field svg { width: 20px; fill: var(--teal); flex: none; }
.zipcard input { border: 0; outline: 0; width: 100%; font-size: 16.5px; font-weight: 600; color: var(--ink); background: transparent; letter-spacing: .03em; }
.zipcard input::placeholder { color: #93a1b5; font-weight: 500; letter-spacing: 0; }
.zipcard__err { color: #d93a3a; font-size: 14px; font-weight: 600; min-height: 22px; margin: 8px 0 0 22px; }
.zipcard.shake { animation: shake .45s; }
@keyframes shake { 20%, 60% { transform: translateX(-8px); } 40%, 80% { transform: translateX(8px); } }
.hero__ticks { list-style: none; padding: 0; margin: 10px 0 0; display: flex; flex-wrap: wrap; gap: 10px 22px; }
.hero__ticks li { display: flex; align-items: center; gap: 7px; font-weight: 600; font-size: 14.5px; color: #3c4b63; }
.hero__ticks svg { width: 18px; height: 18px; padding: 3px; fill: #fff; background: var(--green); border-radius: 50%; }

.hero__visual { position: relative; aspect-ratio: 1 / 1.02; max-width: 560px; justify-self: end; width: 100%; }
.hero__ring { position: absolute; inset: 4% 2% 4% 6%; border-radius: 48% 52% 44% 56% / 52% 44% 56% 48%; background: var(--grad); opacity: .95; animation: morph 12s ease-in-out infinite; }
@keyframes morph {
  0%, 100% { border-radius: 48% 52% 44% 56% / 52% 44% 56% 48%; transform: rotate(0deg); }
  50% { border-radius: 58% 42% 55% 45% / 42% 58% 42% 58%; transform: rotate(8deg); }
}
.hero__photo { position: absolute; inset: 9% 7% 9% 11%; margin: 0; border-radius: 44% 56% 48% 52% / 50% 46% 54% 50%; overflow: hidden; box-shadow: var(--shadow-lg); animation: morph 12s ease-in-out infinite reverse; }
.hero__photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 30%; transform: scale(1.18); }
.hero__mini { position: absolute; width: 36%; aspect-ratio: 1; right: -2%; bottom: 2%; margin: 0; border-radius: 26px; overflow: hidden; border: 6px solid #fff; box-shadow: var(--shadow); animation: bob 6s ease-in-out infinite; animation-delay: -2s; }
.hero__mini img { width: 100%; height: 100%; object-fit: cover; }

.float { position: absolute; display: flex; align-items: center; gap: 12px; padding: 12px 18px 12px 12px; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-radius: 18px; box-shadow: var(--shadow); line-height: 1.2; animation: bob 5s ease-in-out infinite; z-index: 2; }
.float b { display: block; font-size: 14.5px; }
.float small { color: var(--muted); font-size: 12.5px; }
.float--a { top: 8%; left: -6%; }
.float--b { top: 44%; right: -8%; animation-delay: -1.6s; }
.float--c { bottom: 6%; left: 0; animation-delay: -3.2s; }
.float__ic { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; color: #fff; font-weight: 800; font-size: 20px; flex: none; }
.float__ic svg { width: 22px; fill: #fff; }
.float__ic--green { background: linear-gradient(135deg, #3db54a, #10998a); }
.float__ic--blue { background: linear-gradient(135deg, #0a8fe0, #0b4a8f); }
.float__bars { display: flex; align-items: flex-end; gap: 4px; height: 36px; padding: 0 4px; }
.float__bars i { width: 6px; border-radius: 3px; background: var(--grad-soft); animation: bars 1.6s ease-in-out infinite; }
.float__bars i:nth-child(1) { height: 40%; } .float__bars i:nth-child(2) { height: 70%; animation-delay: .15s; } .float__bars i:nth-child(3) { height: 55%; animation-delay: .3s; } .float__bars i:nth-child(4) { height: 90%; animation-delay: .45s; } .float__bars i:nth-child(5) { height: 65%; animation-delay: .6s; }
@keyframes bars { 50% { transform: scaleY(.5); } }
@keyframes bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
.hero__visual > * { opacity: 0; transition: opacity .9s var(--ease), translate 1s var(--ease); translate: 0 30px; }
body.is-ready .hero__visual > * { opacity: 1; translate: 0 0; }
body.is-ready .hero__visual > .hero__photo { transition-delay: .15s; }
body.is-ready .hero__visual > .float--a { transition-delay: .45s; }
body.is-ready .hero__visual > .float--b { transition-delay: .6s; }
body.is-ready .hero__visual > .float--c { transition-delay: .75s; }
body.is-ready .hero__visual > .hero__mini { transition-delay: .5s; }

.scroll-cue { position: absolute; left: 50%; bottom: 26px; width: 26px; height: 42px; border: 2px solid rgba(11,74,143,.3); border-radius: 14px; translate: -50% 0; }
.scroll-cue span { position: absolute; left: 50%; top: 8px; width: 4px; height: 8px; margin-left: -2px; border-radius: 2px; background: var(--navy-2); animation: cue 1.8s ease-in-out infinite; }
@keyframes cue { 0% { opacity: 0; transform: translateY(0); } 30% { opacity: 1; } 100% { opacity: 0; transform: translateY(14px); } }

/* ---------- Marquee ---------- */
.marquee { background: var(--grad); color: #fff; overflow: hidden; padding: 18px 0; transform: rotate(-1.2deg) scale(1.02); margin: -18px 0 0; position: relative; z-index: 2; box-shadow: var(--shadow); }
.marquee__track { display: flex; width: max-content; gap: 28px; align-items: center; animation: marquee 38s linear infinite; font-weight: 700; font-size: 18px; letter-spacing: -.01em; }
.marquee__track i { font-style: normal; opacity: .7; }
.marquee:hover .marquee__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- Stats ---------- */
.stats { padding: 80px 0 20px; }
.stats__in { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat { background: var(--white); border-radius: var(--r); padding: 28px 24px; box-shadow: var(--shadow-sm), inset 0 0 0 1px var(--line); position: relative; overflow: hidden; }
.stat::before { content: ""; position: absolute; left: 0; top: 0; height: 4px; width: 100%; background: var(--grad); transform: scaleX(0); transform-origin: left; transition: transform 1.2s var(--ease) .3s; }
.stat.is-in::before { transform: scaleX(1); }
.stat b { display: block; font-size: 40px; font-weight: 800; letter-spacing: -.04em; color: var(--navy-2); line-height: 1.1; }
.stat p { color: var(--muted); font-size: 14.5px; margin-top: 6px; }

/* ---------- Sections ---------- */
.section { padding: 110px 0; position: relative; }
.sec-head { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.sec-head--left { text-align: left; margin: 0 0 36px; }
.sec-head h2 { font-size: clamp(32px, 4.4vw, 52px); font-weight: 800; letter-spacing: -.035em; margin: 14px 0 16px; }
.sec-head h2 .serif { font-size: 1.1em; color: var(--teal); }
.sec-head p { color: var(--muted); font-size: 17.5px; }
.sec-head--light h2 { color: #fff; } .sec-head--light h2 .serif { color: #9ff0b3; } .sec-head--light p { color: #cfe2f7; }
.kicker { display: inline-flex; align-items: center; gap: 10px; font-size: 13px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--teal); }
.kicker::before { content: ""; width: 26px; height: 2px; background: currentColor; border-radius: 2px; }
.kicker--light { color: #9ff0b3; }
.fine { font-size: 13px; color: #7a889c; margin-top: 22px; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(34px); transition: opacity .9s var(--ease), transform .9s var(--ease); transition-delay: var(--d, 0s); }
.reveal.is-in { opacity: 1; transform: none; }

/* ---------- Coverage ---------- */
.cov-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 30px; perspective: 1400px; }
.cov-card { background: var(--white); border-radius: 28px; overflow: hidden; box-shadow: var(--shadow), inset 0 0 0 1px var(--line); transform-style: preserve-3d; }
.cov-card.is-in { transition: transform .5s var(--ease), box-shadow .5s var(--ease), opacity .9s var(--ease); }
.cov-card:hover { box-shadow: var(--shadow-lg); }
.cov-card__media { position: relative; aspect-ratio: 16 / 9; overflow: hidden; }
.cov-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.cov-card:hover .cov-card__media img { transform: scale(1.07); }
.cov-card__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 50%, rgba(11,63,126,.35)); }
.tag { position: absolute; top: 18px; left: 18px; z-index: 1; padding: 7px 14px; border-radius: 999px; background: var(--green); color: #fff; font-weight: 700; font-size: 12.5px; box-shadow: 0 6px 16px -6px rgba(0,0,0,.4); }
.tag--blue { background: var(--blue); }
.cov-card__body { padding: 0 34px 36px; position: relative; }
.cov-card__icon { width: 64px; height: 64px; border-radius: 18px; display: grid; place-items: center; background: linear-gradient(135deg, #3db54a, #10998a); margin-top: -32px; position: relative; z-index: 2; box-shadow: 0 12px 24px -10px rgba(16,153,138,.7); border: 4px solid #fff; }
.cov-card__icon--blue { background: linear-gradient(135deg, #0a8fe0, #0b4a8f); box-shadow: 0 12px 24px -10px rgba(10,143,224,.7); }
.cov-card__icon svg { width: 28px; fill: #fff; }
.cov-card h3 { font-size: 26px; font-weight: 800; margin: 20px 0 10px; }
.cov-card p { color: var(--muted); }
.checks { list-style: none; padding: 0; margin: 22px 0 26px; display: grid; gap: 11px; }
.checks li { position: relative; padding-left: 32px; font-weight: 600; font-size: 15px; }
.checks li::before { content: ""; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%; background: var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%2310998a'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center / 14px no-repeat; }
.link-arrow { font-weight: 800; color: var(--navy-2); display: inline-flex; gap: 8px; align-items: center; }
.link-arrow span { transition: transform .35s var(--ease); }
.link-arrow:hover span { transform: translateX(6px); }
.link-arrow:hover { color: var(--blue); }

/* ---------- What it pays ---------- */
.pays { background: var(--white); }
.pays__in { display: grid; grid-template-columns: .9fr 1.1fr; gap: 70px; align-items: center; }
.pays__media { position: relative; }
.pays__img { position: relative; border-radius: 32px; overflow: hidden; aspect-ratio: 4 / 5; box-shadow: var(--shadow-lg); }
.pays__img img { position: absolute; left: 0; top: -9%; width: 100%; height: 118%; object-fit: cover; }
.pays__badge { position: absolute; right: -34px; bottom: 50px; width: 150px; height: 150px; border-radius: 50%; background: #fff; box-shadow: var(--shadow); display: grid; place-items: center; }
.pays__badge img { position: absolute; }
.spin-text { position: absolute; inset: 6px; width: calc(100% - 12px); animation: spin 18s linear infinite; }
.spin-text text { font-size: 11px; font-weight: 800; letter-spacing: 1px; fill: var(--navy-2); }
@keyframes spin { to { transform: rotate(360deg); } }
.feat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.feat { padding: 22px 20px; border-radius: 20px; background: var(--bg); box-shadow: inset 0 0 0 1px var(--line); transition: transform .45s var(--ease), box-shadow .45s var(--ease), background-color .45s; }
.feat.is-in:hover { transform: translateY(-6px); background: #fff; box-shadow: var(--shadow), inset 0 0 0 1px transparent; }
.feat__ic { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; background: var(--sky); margin-bottom: 14px; transition: background .45s, transform .6s var(--ease); }
.feat__ic svg { width: 23px; fill: var(--navy-2); transition: fill .45s; }
.feat:hover .feat__ic { background: var(--grad-soft); transform: rotate(-8deg) scale(1.05); }
.feat:hover .feat__ic svg { fill: #fff; }
.feat h4 { font-size: 16.5px; font-weight: 800; margin-bottom: 4px; }
.feat p { font-size: 14px; color: var(--muted); line-height: 1.5; }

/* ---------- Estimator ---------- */
.estimator { background: radial-gradient(120% 90% at 10% 0%, #0f5fae 0%, var(--navy) 45%, #072c5a 100%); color: #fff; overflow: hidden; isolation: isolate; }
.estimator__bg { position: absolute; inset: 0; z-index: -1; }
.blob--d { width: 460px; height: 460px; background: #10998a; top: -120px; right: -100px; opacity: .45; }
.blob--e { width: 380px; height: 380px; background: #0a8fe0; bottom: -140px; left: -80px; opacity: .45; animation-delay: -8s; }
.est { display: grid; grid-template-columns: 1.1fr .9fr; gap: 28px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 30px; padding: 28px; backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); }
.est__controls { padding: 18px 18px 8px; display: grid; gap: 30px; align-content: center; }
.range__top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 14px; gap: 12px; }
.range__top label { font-weight: 700; font-size: 16px; }
.range__top output { font-weight: 800; font-size: 18px; color: #9ff0b3; font-variant-numeric: tabular-nums; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 8px; background: linear-gradient(90deg, #3db54a, #0a8fe0) 0 / var(--fill, 30%) 100% no-repeat, rgba(255,255,255,.18); outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: #fff; border: 5px solid var(--green); box-shadow: 0 4px 14px rgba(0,0,0,.35); transition: transform .2s; }
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 5px solid var(--green); box-shadow: 0 4px 14px rgba(0,0,0,.35); }
.toggle { display: flex; align-items: center; gap: 14px; cursor: pointer; font-weight: 600; }
.toggle input { position: absolute; opacity: 0; }
.toggle__ui { width: 50px; height: 28px; border-radius: 28px; background: rgba(255,255,255,.2); position: relative; transition: background .3s; flex: none; }
.toggle__ui::after { content: ""; position: absolute; top: 3px; left: 3px; width: 22px; height: 22px; border-radius: 50%; background: #fff; transition: transform .35s var(--ease); }
.toggle input:checked + .toggle__ui { background: var(--green); }
.toggle input:checked + .toggle__ui::after { transform: translateX(22px); }
.toggle input:focus-visible + .toggle__ui { outline: 3px solid rgba(159,240,179,.6); outline-offset: 3px; }
.est__result { background: #fff; color: var(--ink); border-radius: 24px; padding: 34px 32px; box-shadow: var(--shadow-lg); }
.est__label { font-weight: 700; color: var(--muted); font-size: 14px; text-transform: uppercase; letter-spacing: .12em; }
.est__total { font-size: clamp(48px, 6vw, 66px); font-weight: 800; letter-spacing: -.045em; line-height: 1.1; margin: 8px 0 16px; background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; font-variant-numeric: tabular-nums; }
.est__bar { height: 10px; border-radius: 10px; background: var(--sky); overflow: hidden; }
.est__bar span { display: block; height: 100%; width: 30%; background: var(--grad); border-radius: 10px; transition: width .6s var(--ease); }
.est__break { list-style: none; padding: 0; margin: 22px 0 26px; display: grid; gap: 12px; }
.est__break li { display: flex; justify-content: space-between; font-size: 15px; color: var(--muted); padding-bottom: 12px; border-bottom: 1px dashed var(--line); }
.est__break b { color: var(--ink); font-variant-numeric: tabular-nums; }
.est__result .btn--light { background: var(--grad); color: #fff; width: 100%; }
.est__note { font-size: 12.5px; color: #7a889c; margin-top: 16px; }

/* ---------- How ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; position: relative; }
.steps__line { position: absolute; top: 58px; left: 16%; right: 16%; height: 2px; background: repeating-linear-gradient(90deg, var(--line) 0 8px, transparent 8px 16px); }
.steps__line span { display: block; height: 100%; background: var(--grad); transform-origin: left; transform: scaleX(0); transition: transform 1.8s var(--ease) .3s; }
.steps.is-in .steps__line span { transform: scaleX(1); }
.step { text-align: center; padding: 0 12px; position: relative; }
.step__num { position: absolute; top: -8px; right: 22%; font-weight: 800; font-size: 13px; color: var(--teal); background: var(--mint); padding: 4px 10px; border-radius: 999px; z-index: 2; }
.step__ic { width: 116px; height: 116px; margin: 0 auto 26px; border-radius: 34px; background: var(--white); box-shadow: var(--shadow), inset 0 0 0 1px var(--line); display: grid; place-items: center; position: relative; z-index: 1; transition: transform .6s var(--ease); }
.step:hover .step__ic { transform: translateY(-8px) rotate(-4deg); }
.step__ic svg { width: 46px; fill: var(--navy-2); }
.step:nth-child(3) .step__ic svg { fill: var(--teal); } .step:nth-child(4) .step__ic svg { fill: var(--green); }
.step h3 { font-size: 22px; font-weight: 800; margin-bottom: 10px; }
.step p { color: var(--muted); max-width: 320px; margin: 0 auto; }

/* ---------- Who ---------- */
.who { background: var(--white); }
.who-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.who-card { position: relative; border-radius: 26px; overflow: hidden; aspect-ratio: 3 / 4.2; box-shadow: var(--shadow); isolation: isolate; }
.who-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; transition: transform 1.2s var(--ease); }
.who-card::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(7,44,90,0) 35%, rgba(7,44,90,.92) 100%); transition: opacity .5s; }
.who-card:hover img { transform: scale(1.08); }
.who-card__txt { position: absolute; left: 0; right: 0; bottom: 0; padding: 26px 22px; color: #fff; transform: translateY(26px); transition: transform .6s var(--ease); }
.who-card h3 { font-size: 22px; font-weight: 800; margin-bottom: 8px; }
.who-card p { font-size: 14.5px; color: #d6e6fb; opacity: 0; transition: opacity .5s; }
.who-card:hover .who-card__txt, .who-card:focus-within .who-card__txt { transform: none; }
.who-card:hover p, .who-card:focus-within p { opacity: 1; }
@media (hover: none) { .who-card__txt { transform: none; } .who-card p { opacity: 1; } }

/* ---------- Why ---------- */
.why__in { display: grid; grid-template-columns: 1.05fr .95fr; gap: 70px; align-items: center; }
.why__list { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.why__list li { display: flex; gap: 18px; padding: 20px 22px; border-radius: 20px; background: var(--white); box-shadow: inset 0 0 0 1px var(--line); transition: transform .45s var(--ease), box-shadow .45s var(--ease); }
.why__list li.is-in:hover { transform: translateX(8px); box-shadow: var(--shadow), inset 0 0 0 1px transparent; }
.why__list li > span { font-weight: 800; font-size: 15px; color: #fff; background: var(--grad-soft); width: 44px; height: 44px; border-radius: 14px; display: grid; place-items: center; flex: none; }
.why__list h4 { font-size: 17px; font-weight: 800; margin-bottom: 3px; }
.why__list p { color: var(--muted); font-size: 15px; }
.why__media { position: relative; }
.why__media img { border-radius: 32px; aspect-ratio: 4 / 5; object-fit: cover; width: 100%; box-shadow: var(--shadow-lg); }
.why__media::before { content: ""; position: absolute; inset: -18px 30px 30px -18px; border-radius: 36px; background: var(--grad); z-index: -1; opacity: .9; }
.why__card { position: absolute; left: -30px; bottom: 40px; display: flex; align-items: center; gap: 14px; background: #fff; padding: 16px 22px; border-radius: 18px; box-shadow: var(--shadow); line-height: 1.25; animation: bob 5s ease-in-out infinite; }
.why__card b, .why__card small { display: block; }
.why__card small { color: var(--muted); font-size: 13px; }

/* ---------- FAQ ---------- */
.faq { background: var(--white); }
.faq__in { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: start; }
.faq .sec-head { position: sticky; top: 110px; }
.faq .sec-head .btn { margin-top: 24px; }
.accordion { display: grid; gap: 14px; }
.accordion details { border-radius: 20px; background: var(--bg); box-shadow: inset 0 0 0 1px var(--line); transition: background-color .35s, box-shadow .35s; overflow: hidden; }
.accordion details[open] { background: #fff; box-shadow: var(--shadow), inset 0 0 0 1px transparent; }
.accordion summary { list-style: none; cursor: pointer; padding: 22px 64px 22px 26px; font-weight: 800; font-size: 17.5px; position: relative; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after { content: "+"; position: absolute; right: 22px; top: 50%; width: 32px; height: 32px; margin-top: -16px; border-radius: 50%; display: grid; place-items: center; background: var(--sky); color: var(--navy-2); font-size: 20px; font-weight: 600; transition: transform .45s var(--ease), background .3s, color .3s; }
.accordion details[open] summary::after { transform: rotate(135deg); background: var(--grad-soft); color: #fff; }
.accordion details p { padding: 0 26px 24px; color: var(--muted); }
.accordion details.is-animating p { animation: fadeDown .5s var(--ease); }
@keyframes fadeDown { from { opacity: 0; transform: translateY(-8px); } }

/* ---------- Quote ---------- */
.quote { color: #fff; overflow: hidden; isolation: isolate; }
.quote__bg { position: absolute; inset: 0; z-index: -1; }
.quote__bg img { width: 100%; height: 100%; object-fit: cover; }
.quote__bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(100deg, rgba(7,44,90,.95) 0%, rgba(11,74,143,.88) 45%, rgba(16,153,138,.75) 100%); }
.quote__in { display: grid; grid-template-columns: .9fr 1.1fr; gap: 60px; align-items: center; }
.quote__copy h2 { font-size: clamp(34px, 4.4vw, 54px); font-weight: 800; letter-spacing: -.035em; margin: 14px 0 18px; }
.quote__copy h2 .serif { color: #9ff0b3; font-size: 1.1em; }
.quote__copy p { color: #d6e6fb; font-size: 18px; }
.quote__ticks { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 12px; }
.quote__ticks li { display: flex; align-items: center; gap: 12px; font-weight: 700; }
.quote__ticks li::before { content: ""; width: 24px; height: 24px; border-radius: 50%; flex: none; background: #3db54a url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23fff'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center / 15px no-repeat; }

.formcard { background: #fff; color: var(--ink); border-radius: 28px; padding: 34px; box-shadow: 0 50px 90px -30px rgba(0,0,0,.55); min-height: 460px; }
.formcard__head { margin-bottom: 22px; }
.formcard__step { font-size: 13px; font-weight: 700; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; margin-bottom: 10px; }
.formcard__prog { height: 6px; border-radius: 6px; background: var(--sky); overflow: hidden; }
.formcard__prog span { display: block; height: 100%; width: 25%; background: var(--grad); border-radius: 6px; transition: width .6s var(--ease); }
.fstep { border: 0; padding: 0; margin: 0; display: none; }
.fstep.is-active { display: block; animation: stepIn .55s var(--ease); }
.fstep.is-back { animation-name: stepBack; }
@keyframes stepIn { from { opacity: 0; transform: translateX(30px); } }
@keyframes stepBack { from { opacity: 0; transform: translateX(-30px); } }
.fstep legend { font-size: 23px; font-weight: 800; letter-spacing: -.02em; margin-bottom: 20px; padding: 0; }
.choices { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.choice--wide { grid-column: 1 / -1; }
.choice input, .pill input { position: absolute; opacity: 0; pointer-events: none; }
.choice span { display: flex; align-items: center; gap: 12px; padding: 20px; border-radius: 16px; font-weight: 700; cursor: pointer; box-shadow: inset 0 0 0 1.5px var(--line); transition: box-shadow .25s, background-color .25s, transform .25s var(--ease); }
.choice span svg { width: 24px; fill: var(--navy-2); flex: none; }
.choice span:hover { box-shadow: inset 0 0 0 1.5px var(--blue); transform: translateY(-2px); }
.choice input:checked + span { background: var(--sky); box-shadow: inset 0 0 0 2px var(--blue); }
.choice input:focus-visible + span, .pill input:focus-visible + span { outline: 3px solid rgba(10,143,224,.45); outline-offset: 2px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 700; font-size: 14px; margin-bottom: 7px; color: #33415a; }
.field input, .field select { width: 100%; padding: 14px 16px; border-radius: 14px; border: 1.5px solid var(--line); background: var(--bg); color: var(--ink); font-size: 16px; transition: border-color .25s, background-color .25s, box-shadow .25s; }
.field input:focus, .field select:focus { outline: none; border-color: var(--blue); background: #fff; box-shadow: 0 0 0 4px rgba(10,143,224,.12); }
.field .is-bad, .field input.is-bad, .field select.is-bad { border-color: #e05252; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.pills { display: flex; flex-wrap: wrap; gap: 8px; }
.pill span { display: inline-block; padding: 11px 18px; border-radius: 999px; font-weight: 700; font-size: 14.5px; cursor: pointer; box-shadow: inset 0 0 0 1.5px var(--line); transition: all .25s; }
.pill input:checked + span { background: var(--navy-2); color: #fff; box-shadow: none; }
.err { display: block; color: #d93a3a; font-size: 13px; font-weight: 600; min-height: 18px; margin-top: 5px; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: 11.5px; line-height: 1.5; color: var(--muted); margin-top: 6px; cursor: pointer; }
.consent input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--teal); flex: none; }
.consent a { color: var(--navy-2); text-decoration: underline; }
.formcard__nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 20px; }
.formcard__nav .btn--primary { margin-left: auto; }
.formcard__nav [hidden] { display: none; }
.thanks { text-align: center; padding: 30px 10px; }
.thanks[hidden] { display: none; }
.thanks h3 { font-size: 28px; font-weight: 800; margin: 20px 0 10px; }
.thanks p { color: var(--muted); margin-bottom: 26px; }
.thanks__check { width: 92px; height: 92px; margin: 0 auto; }
.thanks__check circle { fill: none; stroke: var(--green); stroke-width: 3; stroke-dasharray: 151; stroke-dashoffset: 151; animation: draw .8s var(--ease) forwards; }
.thanks__check path { fill: none; stroke: var(--green); stroke-width: 4; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 36; stroke-dashoffset: 36; animation: draw .5s var(--ease) .6s forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }

/* ---------- Footer ---------- */
.footer { background: #06213f; color: #b7c7dc; padding: 80px 0 30px; font-size: 15px; }
.footer__top { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer__logo { display: inline-block; background: #fff; border-radius: 20px; padding: 16px 20px; margin-bottom: 18px; }
.footer__logo img { width: 170px; height: auto; }
.footer__brand p { max-width: 320px; }
.footer__col { display: flex; flex-direction: column; gap: 12px; align-items: flex-start; }
.footer__col h5 { color: #fff; font-size: 15px; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 6px; }
.footer__col a:not(.btn) { transition: color .25s, transform .3s var(--ease); }
.footer__col a:not(.btn):hover { color: #9ff0b3; transform: translateX(4px); }
.footer__col .btn { margin-top: 6px; }
.footer__legal { padding-top: 28px; font-size: 12.5px; color: #7f93ad; display: grid; gap: 12px; }

.mobile-cta { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .nav__links { gap: 20px; }
  .hero__in { gap: 30px; }
  .float--a { left: -2%; } .float--b { right: -2%; }
  .feat-grid { grid-template-columns: repeat(2, 1fr); }
  .who-grid { grid-template-columns: repeat(2, 1fr); }
  .footer__top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .topbar__in p { display: none; } .topbar__in { justify-content: center; }
  .nav__links, .nav__in > .btn { display: none; }
  .nav__burger { display: block; }
  .nav__drawer { display: grid; gap: 4px; padding: 0 20px; max-height: 0; overflow: hidden; background: rgba(255,255,255,.97); transition: max-height .5s var(--ease), padding .5s var(--ease); }
  .nav__drawer a:not(.btn) { padding: 14px 4px; font-weight: 700; border-bottom: 1px solid var(--line); }
  .nav__drawer .btn { margin: 14px 0 4px; }
  .nav.is-open .nav__drawer { max-height: 420px; padding: 6px 20px 20px; }
  .nav.is-open { background: #fff; box-shadow: var(--shadow); }
  .hero { padding: 30px 0 90px; }
  .hero__in, .pays__in, .why__in, .faq__in, .quote__in, .cov-grid { grid-template-columns: 1fr; }
  .hero__copy { text-align: left; }
  .hero__visual { justify-self: center; max-width: 480px; margin-top: 10px; }
  .stats__in { grid-template-columns: repeat(2, 1fr); }
  .section { padding: 84px 0; }
  .est { grid-template-columns: 1fr; padding: 16px; }
  .steps { grid-template-columns: 1fr; gap: 50px; }
  .steps__line { display: none; }
  .step__num { right: 50%; margin-right: -90px; }
  .pays__media { max-width: 440px; margin: 0 auto; width: 100%; }
  .pays__badge { right: -6px; }
  .why__media { max-width: 460px; margin: 0 auto; width: 100%; }
  .why__card { left: 10px; }
  .faq .sec-head { position: static; }
  .mobile-cta { display: block; position: fixed; left: 16px; right: 16px; bottom: 14px; z-index: 90; text-align: center; padding: 16px; border-radius: 999px; background: var(--grad); color: #fff; font-weight: 800; box-shadow: 0 16px 34px -10px rgba(11,74,143,.7); transform: translateY(140%); transition: transform .5s var(--ease); }
  .mobile-cta.is-on { transform: none; }
  .footer { padding-bottom: 100px; }
}
@media (max-width: 560px) {
  .wrap { width: calc(100% - 32px); }
  .brand__txt b { font-size: 19px; }
  .hero__title { margin-top: 18px; }
  .hero__lead { font-size: 17px; }
  .zipcard { flex-direction: column; border-radius: 22px; }
  .zipcard__field { padding: 12px 12px 6px; }
  .zipcard .btn { width: 100%; }
  .float { padding: 9px 13px 9px 9px; border-radius: 14px; }
  .float b { font-size: 13px; } .float small { font-size: 11.5px; }
  .float__ic { width: 34px; height: 34px; font-size: 16px; }
  .float--a { left: -8px; top: 4%; } .float--b { right: -8px; } .float--c { left: -8px; bottom: 2%; }
  .float--c { display: none; }
  .stat { padding: 22px 18px; } .stat b { font-size: 30px; }
  .feat-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .feat { padding: 18px 16px; }
  .who-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
  .who-card { border-radius: 20px; }
  .who-card__txt { padding: 18px 14px; } .who-card h3 { font-size: 17px; } .who-card p { font-size: 13px; }
  .cov-card__body { padding: 0 22px 28px; }
  .formcard { padding: 24px 20px; border-radius: 24px; }
  .choices, .row2 { grid-template-columns: 1fr; }
  .est__result { padding: 26px 22px; }
  .footer__top { grid-template-columns: 1fr; }
  .marquee__track { font-size: 16px; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}