/* =========================================================
   Insurance Benefits GCC — "Safe Harbor"
   Palette, type, and layout system
   ========================================================= */

:root {
  /* --- palette: Gulf Coast water, deep to foam --- */
  --abyss:   #061529;
  --deep:    #0b2a4a;
  --tide:    #12456f;
  --azure:   #4a9fd4;
  --azure-2: #7cc0ea;
  --horizon: #e9b872;   /* the one warm accent — lighthouse gold */
  --foam:    #eef4f9;
  --mist:    #9fb7cc;   /* muted secondary text */
  --line:    rgba(160, 192, 220, 0.16);
  --panel:   rgba(8, 26, 48, 0.86);

  /* --- type --- */
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans:  "Instrument Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --mono:  "Spline Sans Mono", ui-monospace, SFMono-Regular, Menlo, monospace;

  --maxw: 1180px;
  --pad: clamp(1.15rem, 4vw, 2.5rem);
  --radius: 14px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--abyss);
  color: var(--foam);
  font-family: var(--sans);
  font-size: clamp(1rem, 0.96rem + 0.2vw, 1.075rem);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

/* moving canvas sits behind everything */
#bg {
  position: fixed;
  inset: 0;
  width: 100%;
  height: 100%;
  z-index: -2;
  display: block;
}

/* analog grain overlay — kills the "clean gradient" AI look */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: -1;
  pointer-events: none;
  opacity: 0.5;
  mix-blend-mode: soft-light;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

img { max-width: 100%; display: block; }

::selection { background: var(--horizon); color: var(--abyss); }

a { color: inherit; }

.wrap {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: var(--pad);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--horizon);
  color: var(--abyss);
  padding: 0.6rem 1rem;
  border-radius: 8px;
  z-index: 100;
  font-weight: 600;
}
.skip-link:focus { left: 1rem; top: 1rem; }

:focus-visible {
  outline: 2px solid var(--azure-2);
  outline-offset: 3px;
  border-radius: 4px;
}

/* =========================================================
   Buttons
   ========================================================= */
.btn {
  --_bg: transparent;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5em;
  font-family: var(--sans);
  font-size: 0.98rem;
  font-weight: 600;
  letter-spacing: 0.005em;
  text-decoration: none;
  padding: 0.85em 1.5em;
  border-radius: 999px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.25s cubic-bezier(.2,.7,.2,1), background-color 0.25s, box-shadow 0.25s, color 0.25s;
  will-change: transform;
}
.btn--solid {
  background: var(--horizon);
  color: var(--abyss);
  box-shadow: 0 10px 30px -12px rgba(233, 184, 114, 0.6);
}
.btn--solid:hover { transform: translateY(-2px); box-shadow: 0 16px 36px -12px rgba(233, 184, 114, 0.7); }
.btn--ghost {
  background: rgba(238, 244, 249, 0.04);
  color: var(--foam);
  border-color: var(--line);
  backdrop-filter: blur(6px);
}
.btn--ghost:hover { border-color: var(--azure); color: var(--azure-2); transform: translateY(-2px); }
.btn--sm { padding: 0.6em 1.15em; font-size: 0.9rem; }
.btn--block { width: 100%; }

/* =========================================================
   Header
   ========================================================= */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 50;
  transition: background-color 0.35s, backdrop-filter 0.35s, border-color 0.35s;
  border-bottom: 1px solid transparent;
}
.site-header.scrolled {
  background: rgba(6, 21, 41, 0.82);
  backdrop-filter: blur(14px);
  border-bottom-color: var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-block: 0.85rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  text-decoration: none;
  color: var(--foam);
}
.brand-mark { display: inline-flex; flex: none; }
.brand-text { display: flex; align-items: baseline; gap: 0.4rem; line-height: 1; }
.brand-name {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 1.12rem;
  letter-spacing: 0.01em;
}
.brand-sub {
  font-family: var(--mono);
  font-size: 0.72rem;
  letter-spacing: 0.22em;
  color: var(--horizon);
  transform: translateY(-1px);
}

.nav { display: flex; align-items: center; gap: clamp(1rem, 2.2vw, 2rem); }
.nav > a:not(.btn) {
  text-decoration: none;
  color: var(--mist);
  font-size: 0.95rem;
  font-weight: 500;
  position: relative;
  transition: color 0.2s;
}
.nav > a:not(.btn)::after {
  content: "";
  position: absolute;
  left: 0; bottom: -6px;
  width: 100%; height: 1px;
  background: var(--horizon);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.28s cubic-bezier(.2,.7,.2,1);
}
.nav > a:not(.btn):hover { color: var(--foam); }
.nav > a:not(.btn):hover::after { transform: scaleX(1); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle span {
  width: 24px; height: 2px;
  background: var(--foam);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav[hidden] { display: none; }
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  padding: 0.5rem var(--pad) 1.4rem;
  background: rgba(6, 21, 41, 0.96);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.mobile-nav a:not(.btn) {
  text-decoration: none;
  color: var(--foam);
  padding: 0.7rem 0;
  border-bottom: 1px solid var(--line);
  font-size: 1.05rem;
}
.mobile-nav .btn { margin-top: 0.7rem; }

/* =========================================================
   Shared section rhythm  (single source of padding)
   ========================================================= */
.band { padding-block: clamp(4.5rem, 9vw, 8rem); position: relative; scroll-margin-top: 84px; }

.eyebrow {
  font-family: var(--mono);
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--azure-2);
  margin: 0 0 1.4rem;
}
.label {
  font-family: var(--mono);
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--horizon);
  margin: 0 0 1.1rem;
}
.section-title {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(1.85rem, 1.2rem + 2.6vw, 3.1rem);
  line-height: 1.08;
  letter-spacing: -0.01em;
  margin: 0 0 1.2rem;
  max-width: 22ch;
}
.section-head { max-width: 720px; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.section-intro { color: var(--mist); font-size: 1.1rem; margin: 0; max-width: 58ch; }

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: flex-end;
  padding-block: clamp(8rem, 16vh, 12rem) clamp(4rem, 9vh, 7rem);
}
.hero-inner { max-width: 900px; }
.hero-title {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(2.6rem, 1.1rem + 6.4vw, 5.5rem);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0 0 1.6rem;
}
.hero-title em {
  font-style: italic;
  font-weight: 400;
  color: var(--horizon);
}
.hero-lede {
  font-size: clamp(1.08rem, 1rem + 0.4vw, 1.28rem);
  color: var(--mist);
  max-width: 56ch;
  margin: 0 0 2.2rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-bottom: 2.8rem; }
.hero-marks {
  list-style: none;
  margin: 0;
  padding: 1.4rem 0 0;
  border-top: 1px solid var(--line);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
  font-size: 0.95rem;
  color: var(--mist);
  max-width: 760px;
}
.hero-marks span {
  display: block;
  font-family: var(--mono);
  font-size: 0.8rem;
  letter-spacing: 0.06em;
  color: var(--foam);
  margin-bottom: 0.2rem;
}

.scroll-cue {
  position: absolute;
  left: 50%;
  bottom: 1.7rem;
  transform: translateX(-50%);
  width: 26px; height: 42px;
  border: 1px solid var(--line);
  border-radius: 20px;
  display: grid;
  place-items: start center;
  padding-top: 8px;
}
.scroll-cue span {
  width: 3px; height: 8px;
  border-radius: 3px;
  background: var(--azure-2);
  animation: cue 1.8s ease-in-out infinite;
}
@keyframes cue { 0%,100% { transform: translateY(0); opacity: 1; } 60% { transform: translateY(12px); opacity: 0; } }

/* =========================================================
   About
   ========================================================= */
.about { background: linear-gradient(180deg, transparent, var(--panel) 14%, var(--panel)); }
.about-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
}
.about-copy p { color: var(--mist); margin: 0 0 1.15rem; max-width: 52ch; }
.about-copy .section-title { color: var(--foam); }
.signoff { margin-top: 1.8rem !important; }
.signoff-name {
  display: block;
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.35rem;
  color: var(--foam);
}
.signoff-role {
  font-family: var(--mono);
  font-size: 0.76rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--azure-2);
}

/* photos: rounded frame + graceful fallback */
figure[data-photo] { margin: 0; }
.about-figure, .why-figure, .contact-figure {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line);
  background:
    radial-gradient(120% 90% at 70% 10%, rgba(74,159,212,0.35), transparent 55%),
    linear-gradient(160deg, var(--tide), var(--deep) 60%, var(--abyss));
  box-shadow: 0 30px 60px -30px rgba(0,0,0,0.7);
}
.about-figure img, .why-figure img, .contact-figure img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  filter: saturate(1.02) contrast(1.02);
}
.about-figure.img-fallback img,
.why-figure.img-fallback img,
.contact-figure.img-fallback img { display: none; }
.contact-figure { margin-top: 2rem; }
.contact-figure img { aspect-ratio: 16 / 10; }
.about-figure figcaption {
  position: absolute;
  left: 0; right: 0; bottom: 0;
  padding: 1.4rem 1.2rem 1rem;
  font-family: var(--mono);
  font-size: 0.76rem;
  letter-spacing: 0.04em;
  color: var(--foam);
  background: linear-gradient(0deg, rgba(6,21,41,0.9), transparent);
}
.why-figure img { aspect-ratio: 3 / 4; }

/* =========================================================
   Coverage
   ========================================================= */
.coverage { background: var(--panel); border-top: 1px solid var(--line); }
.cov-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.cov-card {
  background: rgba(8, 26, 48, 0.72);
  padding: clamp(1.6rem, 2.4vw, 2.3rem);
  transition: background-color 0.3s, transform 0.3s;
}
.cov-card:hover { background: rgba(18, 69, 111, 0.55); }
.cov-icon {
  display: inline-flex;
  color: var(--azure-2);
  margin-bottom: 1.1rem;
}
.cov-icon svg { width: 44px; height: 44px; }
.cov-card:hover .cov-icon { color: var(--horizon); }
.cov-card h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 1.32rem;
  margin: 0 0 0.6rem;
  letter-spacing: -0.01em;
}
.cov-card p { margin: 0; color: var(--mist); font-size: 0.98rem; }
.cov-note {
  margin: 2.4rem 0 0;
  color: var(--mist);
  font-size: 1.05rem;
}
.cov-note a {
  color: var(--horizon);
  text-decoration: none;
  font-weight: 600;
  white-space: nowrap;
}
.cov-note a:hover { text-decoration: underline; text-underline-offset: 3px; }

/* =========================================================
   Why
   ========================================================= */
.why { background: linear-gradient(180deg, var(--panel), rgba(11,42,74,0.6)); border-top: 1px solid var(--line); }
.why-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(2rem, 5vw, 5rem);
  align-items: center;
}
.why-list { list-style: none; margin: 1.5rem 0 0; padding: 0; display: grid; gap: 1.4rem; }
.why-list li { padding-left: 1.5rem; border-left: 2px solid var(--line); transition: border-color 0.3s; }
.why-list li:hover { border-left-color: var(--horizon); }
.why-list h3 {
  font-family: var(--sans);
  font-weight: 600;
  font-size: 1.08rem;
  margin: 0 0 0.3rem;
}
.why-list p { margin: 0; color: var(--mist); font-size: 0.98rem; max-width: 46ch; }

/* =========================================================
   Interlude — full-bleed coastal pull-quote
   ========================================================= */
.interlude {
  position: relative;
  min-height: min(72vh, 600px);
  display: flex;
  align-items: center;
  overflow: hidden;
  border-block: 1px solid var(--line);
  background: linear-gradient(160deg, var(--deep), var(--abyss));
}
.interlude-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}
.interlude-bg.is-hidden { display: none; }
.interlude::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(90deg, rgba(6,21,41,0.92), rgba(6,21,41,0.55) 46%, rgba(6,21,41,0.18) 78%, rgba(6,21,41,0.08)),
    linear-gradient(0deg, rgba(6,21,41,0.55), transparent 52%);
}
.interlude-inner { position: relative; z-index: 2; max-width: 780px; padding-block: 4rem; }
.interlude-quote {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(1.7rem, 1rem + 2.7vw, 3rem);
  line-height: 1.14;
  letter-spacing: -0.01em;
  margin: 0.4rem 0 1.5rem;
  max-width: 20ch;
}
.interlude-quote em { font-style: italic; font-weight: 400; color: var(--horizon); }
.interlude-attrib {
  font-family: var(--mono);
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--mist);
  margin: 0;
}

/* =========================================================
   Process
   ========================================================= */
.process { background: rgba(6, 21, 41, 0.72); border-top: 1px solid var(--line); }
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  counter-reset: none;
}
.step {
  position: relative;
  padding-top: 1.6rem;
  border-top: 2px solid var(--line);
  transition: border-color 0.35s;
}
.step:hover { border-top-color: var(--horizon); }
.step-num {
  font-family: var(--mono);
  font-size: 0.9rem;
  color: var(--horizon);
  letter-spacing: 0.08em;
}
.step h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 1.3rem;
  margin: 0.7rem 0 0.5rem;
}
.step p { margin: 0; color: var(--mist); font-size: 0.96rem; }

/* =========================================================
   Contact
   ========================================================= */
.contact { border-top: 1px solid var(--line); background: linear-gradient(180deg, rgba(6,21,41,0.55), rgba(6,21,41,0.35)); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: start;
}
.contact-copy p { color: var(--mist); max-width: 46ch; }
.contact-details {
  list-style: none;
  margin: 2rem 0 0;
  padding: 0;
  display: grid;
  gap: 1.2rem;
}
.contact-details li {
  display: grid;
  grid-template-columns: 5.5rem 1fr;
  gap: 1rem;
  align-items: baseline;
  padding-bottom: 1.2rem;
  border-bottom: 1px solid var(--line);
}
.cd-label {
  font-family: var(--mono);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--azure-2);
}
.contact-details a { color: var(--foam); text-decoration: none; word-break: break-word; }
.contact-details a:hover { color: var(--horizon); }

.contact-form {
  background: rgba(8, 26, 48, 0.78);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.4rem);
  backdrop-filter: blur(10px);
}
.field { margin-bottom: 1.1rem; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 0.45rem;
  color: var(--mist);
}
.field .opt { color: rgba(159,183,204,0.6); font-weight: 400; }
.field input, .field select, .field textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 1rem;
  color: var(--foam);
  background: rgba(6, 21, 41, 0.6);
  border: 1px solid var(--line);
  border-radius: 9px;
  padding: 0.72rem 0.85rem;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field textarea { resize: vertical; min-height: 110px; }
.field select { appearance: none; cursor: pointer; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' stroke='%239fb7cc' stroke-width='2'%3E%3Cpath d='M3 5l4 4 4-4'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 0.9rem center; padding-right: 2.4rem; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--azure);
  box-shadow: 0 0 0 3px rgba(74, 159, 212, 0.18);
}
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.contact-form .btn { margin-top: 0.4rem; }
.form-status {
  margin: 0.9rem 0 0;
  font-size: 0.92rem;
  min-height: 1.2em;
  text-align: center;
}
.form-status.ok { color: var(--azure-2); }
.form-status.err { color: #f0a48a; }

/* =========================================================
   Footer
   ========================================================= */
.site-footer {
  background: var(--abyss);
  border-top: 1px solid var(--line);
  padding-top: clamp(3rem, 6vw, 4.5rem);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1.3fr;
  gap: 2rem;
  padding-bottom: 2.8rem;
}
.footer-brand .brand { margin-bottom: 1rem; }
.footer-tag { color: var(--mist); max-width: 30ch; margin: 0; font-size: 0.98rem; }
.fn-head {
  display: block;
  font-family: var(--mono);
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--azure-2);
  margin-bottom: 1rem;
}
.footer-nav, .footer-contact { display: flex; flex-direction: column; gap: 0.65rem; }
.footer-nav a, .footer-contact a { color: var(--mist); text-decoration: none; transition: color 0.2s; }
.footer-nav a:hover, .footer-contact a:hover { color: var(--foam); }
.footer-contact span { color: var(--mist); font-size: 0.95rem; }

.footer-legal {
  border-top: 1px solid var(--line);
  padding-block: 1.8rem 2.4rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}
.footer-legal p { margin: 0; color: rgba(159,183,204,0.7); font-size: 0.8rem; line-height: 1.7; max-width: 90ch; }
.copyright { font-family: var(--mono); letter-spacing: 0.04em; }

/* =========================================================
   Reveal-on-scroll
   ========================================================= */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.7s cubic-bezier(.2,.7,.2,1), transform 0.7s cubic-bezier(.2,.7,.2,1);
}
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .scroll-cue span { animation: none; }
  .btn, .cov-card, .nav > a::after { transition: none; }
}

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 940px) {
  .nav { display: none; }
  .nav-toggle { display: flex; }
  .about-grid, .why-grid, .contact-grid { grid-template-columns: 1fr; }
  .about-figure, .why-figure { max-width: 480px; }
  .why-figure { order: 2; }
  .cov-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); gap: 2rem 1.5rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 560px) {
  .hero-marks { grid-template-columns: 1fr; gap: 1rem; }
  .cov-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .contact-details li { grid-template-columns: 1fr; gap: 0.2rem; }
}