/* ============ Auto Benefit Center — Stylesheet ============ */

:root{
  --navy:#0b1b33;
  --navy-2:#122544;
  --ink:#0f172a;
  --ink-soft:#475569;
  --blue:#2563eb;
  --blue-2:#1d4ed8;
  --amber:#f59e0b;
  --amber-2:#f97316;
  --paper:#f7f9fc;
  --white:#ffffff;
  --line:#e6ebf2;
  --radius:18px;
  --radius-sm:12px;
  --shadow-sm: 0 2px 10px rgba(15,23,42,.06);
  --shadow-md: 0 12px 30px rgba(15,23,42,.10);
  --shadow-lg: 0 24px 60px rgba(15,23,42,.16);
  --ease: cubic-bezier(.22,1,.36,1);
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:'Plus Jakarta Sans', system-ui, sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4{
  font-family:'Sora', 'Plus Jakarta Sans', sans-serif;
  color:var(--navy);
  line-height:1.15;
  margin:0 0 .5em;
  letter-spacing:-.01em;
}
p{ margin:0 0 1em; color:var(--ink-soft); }
a{ color:inherit; text-decoration:none; }
img{ max-width:100%; display:block; }
ul{ margin:0; padding:0; list-style:none; }
button{ font-family:inherit; cursor:pointer; }

.container{ width:100%; max-width:1200px; margin:0 auto; padding:0 24px; }
.container-narrow{ max-width:820px; }

.text-gradient{
  background:linear-gradient(100deg, var(--amber), var(--amber-2) 60%, #ef4444);
  -webkit-background-clip:text;
  background-clip:text;
  color:transparent;
}

/* ---------- Progress bar ---------- */
.progress-bar{
  position:fixed; top:0; left:0; height:3px; width:0%;
  background:linear-gradient(90deg, var(--amber), var(--blue));
  z-index:1000; transition:width .1s linear;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:14px 26px; border-radius:999px; border:none;
  font-weight:700; font-size:15px; cursor:pointer;
  transition:transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease);
  white-space:nowrap;
}
.btn svg{ transition:transform .3s var(--ease); }
.btn:hover svg{ transform:translateX(4px); }
.btn-primary{
  background:linear-gradient(100deg, var(--amber) 0%, var(--amber-2) 100%);
  color:#fff;
  box-shadow:0 10px 24px rgba(245,158,11,.35);
}
.btn-primary:hover{ transform:translateY(-3px); box-shadow:0 16px 32px rgba(245,158,11,.45); }
.btn-primary:active{ transform:translateY(-1px); }
.btn-lg{ padding:16px 32px; font-size:16px; }
.btn-block{ width:100%; }

/* ---------- Header ---------- */
.site-header{
  position:fixed; top:0; left:0; right:0; z-index:900;
  padding:18px 0;
  background:transparent;
  transition:background .35s var(--ease), box-shadow .35s var(--ease), padding .35s var(--ease);
}
.site-header.scrolled{
  background:rgba(11,27,51,.85);
  backdrop-filter:blur(14px) saturate(140%);
  padding:12px 0;
  box-shadow:0 8px 30px rgba(0,0,0,.15);
}
.header-inner{ display:flex; align-items:center; justify-content:space-between; }
.logo{ display:flex; align-items:center; gap:10px; color:#fff; font-weight:800; }
.logo-mark{ color:var(--amber); display:flex; }
.logo-text{ font-family:'Sora',sans-serif; font-size:19px; letter-spacing:-.01em; }
.logo-text em{ font-style:normal; color:var(--amber); }

.main-nav{ display:flex; align-items:center; gap:30px; }
.main-nav a{
  color:rgba(255,255,255,.88); font-weight:600; font-size:14.5px;
  position:relative; padding:4px 0; transition:color .25s;
}
.main-nav a:not(.nav-cta)::after{
  content:''; position:absolute; left:0; bottom:-2px; width:0; height:2px;
  background:var(--amber); transition:width .3s var(--ease);
}
.main-nav a:not(.nav-cta):hover::after{ width:100%; }
.main-nav a:not(.nav-cta):hover{ color:#fff; }
.nav-cta{
  background:linear-gradient(100deg, var(--amber), var(--amber-2));
  color:#fff !important; padding:10px 20px; border-radius:999px;
  box-shadow:0 6px 18px rgba(245,158,11,.35);
  transition:transform .25s var(--ease), box-shadow .25s var(--ease);
}
.nav-cta:hover{ transform:translateY(-2px); box-shadow:0 10px 24px rgba(245,158,11,.45); }

.nav-toggle{ display:none; flex-direction:column; gap:5px; background:none; border:none; padding:6px; }
.nav-toggle span{ width:24px; height:2px; background:#fff; border-radius:2px; transition:.3s; }

/* ---------- Hero ---------- */
.hero{
  position:relative; min-height:100vh; display:flex; align-items:center;
  overflow:hidden; padding-top:100px;
}
.hero-media{ position:absolute; inset:0; z-index:0; }
.hero-media img{
  width:100%; height:100%; object-fit:cover; object-position:center 35%;
  transform:scale(1.08);
  animation:heroZoom 18s ease-in-out infinite alternate;
}
@keyframes heroZoom{ from{ transform:scale(1.08);} to{ transform:scale(1);} }
.hero-overlay{
  position:absolute; inset:0;
  background:
    linear-gradient(100deg, rgba(6,14,30,.94) 10%, rgba(6,14,30,.78) 45%, rgba(6,14,30,.4) 75%),
    linear-gradient(0deg, rgba(6,14,30,.9), rgba(6,14,30,.5) 40%);
}
.hero-inner{ position:relative; z-index:2; }
.hero-copy{ max-width:660px; color:#fff; }
.eyebrow{
  display:inline-block; font-size:13px; font-weight:700; letter-spacing:.02em;
  color:var(--amber); background:rgba(245,158,11,.12); border:1px solid rgba(245,158,11,.35);
  padding:7px 16px; border-radius:999px; margin-bottom:22px;
}
.hero h1{
  font-size:clamp(2.4rem, 5.2vw, 3.75rem); color:#fff; margin-bottom:.4em;
}
.hero-sub{ font-size:18px; color:rgba(255,255,255,.82); max-width:560px; margin-bottom:32px; }

.hero-quote-form{
  display:flex; gap:12px; background:rgba(255,255,255,.08); backdrop-filter:blur(10px);
  border:1px solid rgba(255,255,255,.18); padding:10px; border-radius:999px; max-width:480px;
}
.hero-quote-form .field{ flex:1; }
.hero-quote-form label{ display:none; }
.hero-quote-form input{
  width:100%; border:none; background:transparent; color:#fff; font-size:15px;
  padding:10px 18px; font-weight:600; outline:none;
}
.hero-quote-form input::placeholder{ color:rgba(255,255,255,.55); }
.form-note{ font-size:13px; color:rgba(255,255,255,.6); margin-top:14px; }
.form-note.center{ text-align:center; }
.form-note a{ color:var(--blue-2); text-decoration:underline; }

.hero-stats{ display:flex; gap:40px; margin-top:52px; }
.stat{ display:flex; flex-wrap:wrap; align-items:baseline; gap:2px; position:relative; }
.stat-num{ font-family:'Sora',sans-serif; font-size:32px; font-weight:800; color:#fff; }
.stat-suffix{ font-family:'Sora',sans-serif; font-size:18px; font-weight:700; color:var(--amber); }
.stat-label{ display:block; width:100%; font-size:13px; color:rgba(255,255,255,.6); margin-top:2px; }

.scroll-cue{
  position:absolute; bottom:34px; left:50%; transform:translateX(-50%); z-index:2;
  width:26px; height:42px; border:2px solid rgba(255,255,255,.4); border-radius:20px;
}
.scroll-cue span{
  position:absolute; top:8px; left:50%; transform:translateX(-50%);
  width:4px; height:8px; background:#fff; border-radius:2px;
  animation:scrollCue 1.8s ease-in-out infinite;
}
@keyframes scrollCue{ 0%{ opacity:1; top:8px;} 70%{ opacity:0; top:22px;} 100%{ opacity:0; top:8px;} }

/* ---------- Trust strip ---------- */
.trust-strip{ background:var(--navy-2); padding:26px 0; }
.trust-inner{ display:flex; align-items:center; gap:28px; flex-wrap:wrap; }
.trust-inner p{ color:rgba(255,255,255,.5); font-size:13px; margin:0; white-space:nowrap; }
.trust-logos{ display:flex; gap:32px; flex-wrap:wrap; }
.trust-logos span{
  color:rgba(255,255,255,.75); font-family:'Sora',sans-serif; font-weight:700; font-size:15px; letter-spacing:.02em;
  opacity:.75; transition:opacity .25s;
}
.trust-logos span:hover{ opacity:1; }

/* ---------- Sections ---------- */
.section{ padding:110px 0; }
.section-alt{ background:var(--paper); }
.section-head{ max-width:640px; margin:0 auto 60px; text-align:center; }
.section-head .eyebrow{ color:var(--blue-2); background:rgba(37,99,235,.08); border:1px solid rgba(37,99,235,.2); }
.section-head h2{ font-size:clamp(1.8rem, 3.4vw, 2.6rem); }
.section-head p{ font-size:17px; }

/* ---------- Coverage cards ---------- */
.coverage-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.coverage-card{
  background:#fff; border-radius:var(--radius); overflow:hidden; border:1px solid var(--line);
  box-shadow:var(--shadow-sm); transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.coverage-card:hover{ transform:translateY(-10px); box-shadow:var(--shadow-lg); }
.coverage-img{ height:220px; overflow:hidden; }
.coverage-img img{ width:100%; height:100%; object-fit:cover; transition:transform .6s var(--ease); }
.coverage-card:hover .coverage-img img{ transform:scale(1.08); }
.coverage-body{ padding:26px 24px 28px; }
.coverage-body h3{ font-size:20px; margin-bottom:.4em; }
.coverage-body p{ font-size:15px; margin-bottom:16px; }
.card-link{
  display:inline-flex; align-items:center; gap:6px; font-weight:700; color:var(--blue-2); font-size:14.5px;
}
.card-link svg{ transition:transform .3s var(--ease); }
.card-link:hover svg{ transform:translateX(4px); }

/* ---------- Feature rows ---------- */
.feature-row{
  display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center;
  margin-bottom:100px;
}
.feature-row:last-child{ margin-bottom:0; }
.feature-row.reverse{ direction:rtl; }
.feature-row.reverse > *{ direction:ltr; }
.feature-media{ border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow-md); }
.feature-media img{ width:100%; height:380px; object-fit:cover; transition:transform .6s var(--ease); }
.feature-media:hover img{ transform:scale(1.05); }
.feature-num{
  display:inline-block; font-family:'Sora',sans-serif; font-weight:800; font-size:14px;
  color:var(--blue-2); background:rgba(37,99,235,.08); padding:6px 14px; border-radius:999px; margin-bottom:16px;
}
.feature-copy h3{ font-size:28px; }
.feature-copy p{ font-size:16px; margin-bottom:20px; }
.check-list li{
  position:relative; padding-left:30px; margin-bottom:12px; font-weight:600; color:var(--ink); font-size:15px;
}
.check-list li::before{
  content:''; position:absolute; left:0; top:2px; width:20px; height:20px; border-radius:50%;
  background:linear-gradient(135deg, #22c55e, #16a34a);
}
.check-list li::after{
  content:''; position:absolute; left:6px; top:6px; width:9px; height:5px;
  border-left:2px solid #fff; border-bottom:2px solid #fff; transform:rotate(-45deg);
}

/* ---------- Steps ---------- */
.steps-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:30px; }
.step-card{
  text-align:center; padding:40px 28px; border-radius:var(--radius); background:#fff;
  border:1px solid var(--line); box-shadow:var(--shadow-sm);
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
  position:relative;
}
.step-card:hover{ transform:translateY(-8px); box-shadow:var(--shadow-md); }
.step-icon{
  width:64px; height:64px; margin:0 auto 20px; border-radius:18px;
  display:flex; align-items:center; justify-content:center; color:#fff;
  background:linear-gradient(135deg, var(--blue), var(--blue-2));
  box-shadow:0 10px 24px rgba(37,99,235,.3);
}
.step-no{ display:block; font-size:12.5px; font-weight:800; letter-spacing:.08em; color:var(--amber); text-transform:uppercase; margin-bottom:8px; }
.step-card h3{ font-size:19px; }
.step-card p{ font-size:14.5px; margin:0; }

/* ---------- CTA banner ---------- */
.cta-banner{ position:relative; padding:130px 0; overflow:hidden; }
.cta-media{ position:absolute; inset:0; z-index:0; }
.cta-media img{ width:100%; height:100%; object-fit:cover; }
.cta-overlay{ position:absolute; inset:0; background:linear-gradient(100deg, rgba(6,14,30,.92), rgba(6,14,30,.55)); }
.cta-inner{ position:relative; z-index:1; max-width:640px; color:#fff; }
.cta-inner h2{ color:#fff; font-size:clamp(1.9rem,3.6vw,2.8rem); }
.cta-inner p{ color:rgba(255,255,255,.82); font-size:17px; margin-bottom:32px; }

/* ---------- Testimonials ---------- */
.testimonial-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.testimonial-card{
  background:#fff; border:1px solid var(--line); border-radius:var(--radius);
  padding:32px 28px; box-shadow:var(--shadow-sm); margin:0;
  transition:transform .4s var(--ease), box-shadow .4s var(--ease);
}
.testimonial-card:hover{ transform:translateY(-8px); box-shadow:var(--shadow-md); }
.stars{ color:var(--amber); letter-spacing:2px; margin-bottom:14px; font-size:15px; }
.testimonial-card blockquote{ margin:0 0 22px; font-size:15.5px; color:var(--ink); font-style:italic; }
.testimonial-card figcaption{ display:flex; align-items:center; gap:12px; }
.avatar{
  width:42px; height:42px; border-radius:50%; display:flex; align-items:center; justify-content:center;
  color:#fff; font-weight:800; font-family:'Sora',sans-serif; flex-shrink:0;
}
figcaption div{ display:flex; flex-direction:column; font-size:13.5px; }
figcaption strong{ color:var(--navy); font-size:14.5px; }
figcaption span{ color:var(--ink-soft); }

/* ---------- Split section ---------- */
.split-inner{ display:grid; grid-template-columns:1fr 1fr; gap:70px; align-items:center; }
.split-media{ border-radius:var(--radius); overflow:hidden; box-shadow:var(--shadow-lg); }
.split-media img{ width:100%; height:460px; object-fit:cover; transition:transform .6s var(--ease); }
.split-media:hover img{ transform:scale(1.05); }
.mini-grid{ display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-top:30px; }
.mini-item{
  padding:18px 20px; border-radius:var(--radius-sm); background:var(--paper); border:1px solid var(--line);
}
.mini-item strong{ display:block; color:var(--navy); font-size:15px; margin-bottom:4px; }
.mini-item span{ font-size:13.5px; color:var(--ink-soft); }

/* ---------- Accordion ---------- */
.accordion-item{
  background:#fff; border:1px solid var(--line); border-radius:var(--radius-sm); margin-bottom:14px;
  overflow:hidden; transition:box-shadow .3s var(--ease);
}
.accordion-item.active{ box-shadow:var(--shadow-sm); border-color:rgba(37,99,235,.25); }
.accordion-trigger{
  width:100%; display:flex; align-items:center; justify-content:space-between; gap:16px;
  background:none; border:none; padding:20px 24px; text-align:left;
  font-family:'Sora',sans-serif; font-weight:700; font-size:15.5px; color:var(--navy);
}
.accordion-trigger .chev{ flex-shrink:0; transition:transform .35s var(--ease); color:var(--blue-2); }
.accordion-item.active .chev{ transform:rotate(180deg); }
.accordion-panel{
  max-height:0; overflow:hidden; transition:max-height .4s var(--ease);
}
.accordion-panel p{ padding:0 24px 20px; margin:0; font-size:14.5px; }
.accordion-panel a{ color:var(--blue-2); text-decoration:underline; }

/* ---------- Contact ---------- */
.contact-section{ background:linear-gradient(180deg, var(--paper), #fff); }
.contact-card{
  display:grid; grid-template-columns:1fr 1fr; gap:0;
  background:var(--navy); border-radius:24px; overflow:hidden; box-shadow:var(--shadow-lg);
}
.contact-copy{ padding:60px 50px; color:#fff; }
.contact-copy .eyebrow{ color:var(--amber); background:rgba(245,158,11,.12); border-color:rgba(245,158,11,.3); }
.contact-copy h2{ color:#fff; font-size:clamp(1.6rem,2.8vw,2.1rem); }
.contact-copy p{ color:rgba(255,255,255,.75); }
.contact-points{ display:flex; flex-direction:column; gap:18px; margin-top:30px; }
.contact-points div{ display:flex; flex-direction:column; gap:2px; }
.contact-points strong{ font-size:14px; color:#fff; }
.contact-points span{ font-size:14px; color:rgba(255,255,255,.65); }
.contact-form{ background:#fff; padding:50px 46px; display:flex; flex-direction:column; gap:16px; }
.contact-form .field{ display:flex; flex-direction:column; gap:6px; }
.contact-form label{ font-size:13px; font-weight:700; color:var(--navy); }
.contact-form input{
  padding:13px 16px; border-radius:10px; border:1.5px solid var(--line); font-size:15px;
  font-family:inherit; outline:none; transition:border-color .25s, box-shadow .25s;
}
.contact-form input:focus{ border-color:var(--blue); box-shadow:0 0 0 4px rgba(37,99,235,.12); }

/* ---------- Footer ---------- */
.site-footer{ background:var(--navy); color:rgba(255,255,255,.7); padding:70px 0 0; }
.footer-inner{ display:grid; grid-template-columns:1.6fr 1fr 1fr 1fr; gap:40px; padding-bottom:50px; border-bottom:1px solid rgba(255,255,255,.1); }
.footer-brand p{ color:rgba(255,255,255,.55); font-size:14px; margin-top:14px; max-width:280px; }
.footer-col h4{ color:#fff; font-size:14px; margin-bottom:16px; letter-spacing:.03em; text-transform:uppercase; }
.footer-col a, .footer-col span{ display:block; color:rgba(255,255,255,.6); font-size:14.5px; margin-bottom:10px; transition:color .25s; }
.footer-col a:hover{ color:var(--amber); }
.footer-bottom{ display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:10px; padding:26px 24px; font-size:13px; }
.footer-bottom p{ margin:0; color:rgba(255,255,255,.45); }
.disclaimer{ max-width:640px; text-align:right; }

/* ---------- Back to top ---------- */
.back-to-top{
  position:fixed; bottom:28px; right:28px; width:48px; height:48px; border-radius:50%;
  background:var(--navy); color:#fff; border:none; display:flex; align-items:center; justify-content:center;
  box-shadow:0 10px 24px rgba(0,0,0,.25); opacity:0; visibility:hidden; transform:translateY(10px);
  transition:.35s var(--ease); z-index:500;
}
.back-to-top.show{ opacity:1; visibility:visible; transform:translateY(0); }
.back-to-top:hover{ background:var(--blue-2); }

/* ---------- Toast ---------- */
.toast{
  position:fixed; top:30px; left:50%; transform:translateX(-50%) translateY(-120%);
  background:var(--navy); color:#fff; padding:16px 26px; border-radius:12px; box-shadow:var(--shadow-lg);
  font-weight:600; font-size:14.5px; z-index:2000; transition:transform .4s var(--ease);
  display:flex; align-items:center; gap:10px;
}
.toast.show{ transform:translateX(-50%) translateY(0); }

/* ---------- Reveal animations ---------- */
.reveal-up{ opacity:0; transform:translateY(36px); transition:opacity .8s var(--ease), transform .8s var(--ease); transition-delay:var(--d, 0s); }
.reveal-up.in-view{ opacity:1; transform:translateY(0); }

/* ---------- Responsive ---------- */
@media (max-width: 980px){
  .main-nav{ position:fixed; top:0; right:-320px; height:100vh; width:300px; background:var(--navy); flex-direction:column; justify-content:center; align-items:flex-start; padding:40px; gap:24px; transition:right .4s var(--ease); box-shadow:-10px 0 40px rgba(0,0,0,.3); }
  .main-nav.open{ right:0; }
  .nav-toggle{ display:flex; }
  .coverage-grid, .steps-grid, .testimonial-grid{ grid-template-columns:1fr 1fr; }
  .feature-row, .split-inner{ grid-template-columns:1fr; }
  .feature-row.reverse{ direction:ltr; }
  .feature-media img, .split-media img{ height:280px; }
  .contact-card{ grid-template-columns:1fr; }
  .footer-inner{ grid-template-columns:1fr 1fr; }
  .disclaimer{ text-align:left; }
}
@media (max-width: 680px){
  .hero{ padding-top:110px; }
  .hero-quote-form{ flex-direction:column; border-radius:20px; }
  .hero-stats{ gap:24px; flex-wrap:wrap; }
  .coverage-grid, .steps-grid, .testimonial-grid{ grid-template-columns:1fr; }
  .footer-inner{ grid-template-columns:1fr; }
  .contact-copy, .contact-form{ padding:36px 26px; }
  .section{ padding:76px 0; }
  .mini-grid{ grid-template-columns:1fr; }
}

/* ---------- Simple pages (privacy/terms) ---------- */
.legal-hero{
  padding:160px 0 60px; background:linear-gradient(180deg, var(--navy), var(--navy-2));
  color:#fff; text-align:center;
}
.legal-hero h1{ color:#fff; font-size:clamp(2rem,4vw,2.8rem); }
.legal-hero p{ color:rgba(255,255,255,.65); }
.legal-body{ padding:70px 0 110px; }
.legal-body .container{ max-width:820px; }
.legal-body h2{ font-size:22px; margin-top:2.2em; }
.legal-body h3{ font-size:17px; margin-top:1.6em; color:var(--navy); }
.legal-body p, .legal-body li{ color:var(--ink-soft); font-size:15.5px; }
.legal-body ul{ list-style:disc; padding-left:22px; margin-bottom:1.2em; }
.legal-body ul li{ margin-bottom:8px; }
.legal-toc{
  background:var(--paper); border:1px solid var(--line); border-radius:var(--radius); padding:26px 30px; margin-bottom:20px;
}
.legal-toc h4{ margin:0 0 12px; font-family:'Sora',sans-serif; color:var(--navy); font-size:15px; }
.legal-toc ol{ padding-left:20px; margin:0; }
.legal-toc li{ margin-bottom:6px; }
.legal-toc a{ color:var(--blue-2); font-size:14.5px; }
.legal-updated{ font-size:13.5px; color:var(--ink-soft); background:rgba(37,99,235,.06); display:inline-block; padding:6px 16px; border-radius:999px; margin-bottom:24px; }