/* Care First Insurance Advisors — site styles
   One file, sections in page order. Brand tokens up top. */

:root {
  --navy: #001122;
  --ink: #1f2933;
  --muted: #5b6673;
  --line: #e3e8ee;
  --bg: #ffffff;
  --bg-soft: #f6f8fb;
  --purple: #5b52c9;       /* primary action (darkened from brand #685FD4 for contrast) */
  --purple-deep: #4a42ad;
  --purple-tint: #eeedfb;
  --blue: #8ab2dc;
  --blue-tint: #e9f1fa;
  --yellow: #f2c94c;
  --yellow-tint: #fdf5d9;
  --green: #1f8a5b;
  --red: #c62828;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(0, 17, 34, 0.08);
  --max: 1120px;
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--purple); }
a:hover { color: var(--purple-deep); }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.25rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.25rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }
.lede { font-size: 1.15rem; color: var(--muted); }
.eyebrow {
  display: inline-block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--purple);
  margin-bottom: .75rem;
}
.center { text-align: center; }
.wrap { width: min(var(--max), 100% - 32px); margin-inline: auto; }
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section.soft { background: var(--bg-soft); }
.section.tight { padding-top: clamp(32px, 4vw, 48px); padding-bottom: clamp(32px, 4vw, 48px); }
.skip {
  position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff;
  padding: 8px 12px; border-radius: 8px; z-index: 100;
}
.skip:focus { left: 8px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: 14px 24px; border-radius: 999px; font-weight: 700; font-size: 1rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform .12s ease, background .15s ease, box-shadow .15s ease;
  font-family: inherit; line-height: 1.2;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--purple); color: #fff; box-shadow: 0 6px 18px rgba(91, 82, 201, .28); }
.btn-primary:hover { background: var(--purple-deep); color: #fff; }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--navy); color: var(--navy); }
.btn-yellow { background: var(--yellow); color: var(--navy); }
.btn-yellow:hover { background: #ebbf3a; color: var(--navy); }
.btn-lg { padding: 18px 32px; font-size: 1.1rem; }
.btn-block { width: 100%; }

/* Header */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .92); backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.05rem; letter-spacing: -0.01em; }
.brand img { width: 36px; height: 36px; }
.brand span small { display: block; font-size: .72rem; font-weight: 600; color: var(--muted); letter-spacing: .04em; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--purple); }
.nav .btn { padding: 10px 18px; font-size: .95rem; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--line); border-radius: 10px;
  width: 44px; height: 44px; cursor: pointer; align-items: center; justify-content: center;
}
.nav-toggle span { display: block; width: 20px; height: 2px; background: var(--navy); position: relative; }
.nav-toggle span::before, .nav-toggle span::after { content: ""; position: absolute; left: 0; width: 20px; height: 2px; background: var(--navy); }
.nav-toggle span::before { top: -6px; } .nav-toggle span::after { top: 6px; }
@media (max-width: 860px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    display: none; position: absolute; left: 0; right: 0; top: 72px; background: #fff;
    border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch;
    padding: 12px 16px 20px; gap: 6px; box-shadow: var(--shadow);
  }
  .nav.open { display: flex; }
  .nav a { padding: 10px 6px; font-size: 1.05rem; }
  .nav .btn { margin-top: 8px; justify-content: center; }
  .brand { font-size: .95rem; }
  .brand span small { display: none; }
}

/* Hero */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #fff 0%, var(--bg-soft) 100%); }
.hero::before, .hero::after {
  content: ""; position: absolute; border-radius: 50%; filter: blur(60px); z-index: 0; pointer-events: none;
}
.hero::before { width: 520px; height: 520px; background: rgba(242, 201, 76, .35); top: -220px; left: -160px; }
.hero::after { width: 560px; height: 560px; background: rgba(138, 178, 220, .35); bottom: -260px; right: -160px; }
.hero .wrap { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; padding-top: clamp(40px, 7vw, 88px); padding-bottom: clamp(40px, 7vw, 88px); }
.hero .actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0 18px; }
.hero .call { color: var(--muted); font-weight: 600; }
.hero .call a { color: var(--navy); text-decoration: none; font-weight: 800; }
.hero-art { position: relative; display: grid; place-items: center; }
.mock { position: relative; z-index: 1; width: min(100%, 420px); background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 24px 60px rgba(0,17,34,.14); padding: 20px; transform: rotate(-2deg); }
.mock-head { display: flex; align-items: center; gap: 8px; font-weight: 800; color: var(--navy); margin-bottom: 14px; }
.mock-row { display: flex; align-items: center; gap: 12px; padding: 11px 12px; border-radius: 12px; background: var(--bg-soft); margin-bottom: 8px; }
.mock-ic { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; flex: none; font-size: 1rem; }
.mock-name { font-weight: 700; color: var(--navy); font-size: .95rem; flex: 1; }
.mock-tag { font-size: .72rem; font-weight: 700; color: var(--green); background: #e3f5ec; padding: 3px 9px; border-radius: 999px; white-space: nowrap; }
.mock-foot { display: flex; align-items: center; gap: 10px; margin-top: 12px; font-size: .85rem; color: var(--muted); }
.mock-avatar { width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; font-size: .75rem; display: grid; place-items: center; flex: none; }
.blob { position: absolute; border-radius: 50%; z-index: 0; }
.blob-y { width: 64px; height: 64px; background: var(--yellow); top: -26px; left: -4px; }
.blob-b { width: 96px; height: 96px; right: -36px; bottom: -26px; background: url("/img/mark.svg") center / contain no-repeat; z-index: 2; }
.trust { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 22px; padding: 0; list-style: none; color: var(--muted); font-size: .95rem; font-weight: 600; }
.trust li::before { content: "✓ "; color: var(--green); font-weight: 800; }
@media (max-width: 860px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 24px; }
  .hero-art { order: 1; margin-top: 8px; }
  .mock { transform: none; }
}

/* Cards / grids */
.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 960px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 760px) { .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; } }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px;
  box-shadow: 0 1px 2px rgba(0,17,34,.04);
}
.card .icon {
  width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
  margin-bottom: 16px; font-size: 1.35rem; background: var(--purple-tint); color: var(--purple);
}
.card.blue .icon { background: var(--blue-tint); color: #2c5d94; }
.card.yellow .icon { background: var(--yellow-tint); color: #8a6a00; }
.card p:last-child { margin-bottom: 0; color: var(--muted); }

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-left: 64px; }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 0; top: 0; width: 46px; height: 46px; border-radius: 50%;
  background: var(--navy); color: #fff; font-weight: 800; display: grid; place-items: center; font-size: 1.1rem;
}

/* Split section (image + text) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.split img { border-radius: var(--radius); box-shadow: var(--shadow); }
.split ul { padding-left: 1.2em; }
.split li { margin-bottom: .5em; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: 28px; } }

/* Illustrated panels (no stock photos) */
.panel { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 26px; box-shadow: var(--shadow); }
.panel-title { font-weight: 800; color: var(--navy); font-size: 1.05rem; margin-bottom: 18px; }
.timeline { display: grid; gap: 0; }
.tl-item { position: relative; padding: 0 0 22px 30px; display: grid; gap: 2px; font-size: .95rem; color: var(--muted); }
.tl-item strong { color: var(--navy); }
.tl-item::before { content: ""; position: absolute; left: 8px; top: 10px; bottom: -6px; width: 2px; background: var(--line); }
.tl-item:last-child::before { display: none; }
.tl-item:last-child { padding-bottom: 0; }
.tl-dot { position: absolute; left: 0; top: 4px; width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 3px solid var(--blue); }
.tl-dot.on { border-color: var(--green); background: var(--green); box-shadow: 0 0 0 4px #e3f5ec; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.tile { background: var(--bg-soft); border-radius: 14px; padding: 18px 16px; display: grid; gap: 4px; font-size: .88rem; color: var(--muted); }
.tile-big { font-size: 1.6rem; font-weight: 800; color: var(--purple); letter-spacing: -0.02em; line-height: 1.1; }
.tile:nth-child(2) .tile-big { color: #2c5d94; }
.tile:nth-child(3) .tile-big { color: var(--navy); }
.tile:nth-child(4) .tile-big { color: #8a6a00; }

/* Checklist */
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.checklist li { padding-left: 32px; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 0; top: 0; width: 22px; height: 22px; border-radius: 50%; background: var(--green); color: #fff; font-size: .8rem; font-weight: 800; display: grid; place-items: center; margin-top: 3px; }

/* CTA band */
.band { background: var(--navy); color: #fff; }
.band h2 { color: #fff; }
.band p { color: rgba(255,255,255,.8); }
.band .wrap { display: grid; grid-template-columns: 1.3fr .7fr; gap: 32px; align-items: center; }
.band .actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: flex-end; }
@media (max-width: 860px) { .band .wrap { grid-template-columns: 1fr; } .band .actions { justify-content: flex-start; } }

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding: 16px 0; }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--purple); font-weight: 800; font-size: 1.3rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 12px 0 0; color: var(--muted); }

/* Forms */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: clamp(22px, 4vw, 40px); box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.field label { display: block; font-weight: 700; font-size: .95rem; margin-bottom: 6px; color: var(--navy); }
.field label .opt { font-weight: 500; color: var(--muted); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; padding: 13px 14px; border: 1px solid #c9d1db; border-radius: 10px;
  background: #fff; color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus, .consent input:focus-visible + span {
  outline: 3px solid rgba(91, 82, 201, .3); border-color: var(--purple);
}
.field .hint { font-size: .85rem; color: var(--muted); margin-top: 6px; }
.field.error input, .field.error select { border-color: var(--red); }
.field .err { display: none; color: var(--red); font-size: .85rem; margin-top: 6px; font-weight: 600; }
.field.error .err { display: block; }
fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
legend { font-weight: 800; color: var(--navy); font-size: 1.05rem; margin-bottom: 8px; padding: 0; }

.consent-box { border: 1px solid var(--line); border-radius: 14px; padding: 18px; background: var(--bg-soft); display: grid; gap: 14px; }
.consent-box .intro { font-size: .9rem; color: var(--muted); margin: 0; }
.consent { display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start; font-size: .9rem; line-height: 1.5; cursor: pointer; margin: 0; }
.consent input { width: 22px; height: 22px; margin: 2px 0 0; accent-color: var(--purple); cursor: pointer; flex: none; }
.consent .tag { display: inline-block; font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 2px 8px; border-radius: 999px; margin-right: 6px; vertical-align: middle; }
.tag.req { background: #fde8e8; color: var(--red); }
.tag.optl { background: var(--blue-tint); color: #2c5d94; }
.consent strong { color: var(--navy); }
.consent.error { outline: 2px solid var(--red); outline-offset: 6px; border-radius: 6px; }
.esign { font-size: .85rem; color: var(--muted); margin-top: 14px; }
.form-status { display: none; margin-top: 12px; font-weight: 600; }
.form-status.error { display: block; color: var(--red); }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* Disclosures */
.disclosures { font-size: .85rem; color: var(--muted); }
.disclosures h3 { font-size: 1rem; }
.disclosures p { margin-bottom: .75em; }

/* Legal pages */
.legal { max-width: 800px; margin-inline: auto; }
.legal h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); }
.legal h2 { font-size: 1.35rem; margin-top: 2em; }
.legal h3 { font-size: 1.1rem; margin-top: 1.5em; }
.legal .meta { color: var(--muted); font-size: .95rem; }
.legal ul, .legal ol { padding-left: 1.3em; }
.legal li { margin-bottom: .4em; }
.legal .callout { background: var(--purple-tint); border-left: 4px solid var(--purple); padding: 14px 18px; border-radius: 8px; }
.legal table { border-collapse: collapse; width: 100%; font-size: .95rem; }
.legal th, .legal td { border: 1px solid var(--line); padding: 10px; text-align: left; vertical-align: top; }
.legal th { background: var(--bg-soft); }
.legal code { background: var(--bg-soft); padding: 2px 6px; border-radius: 6px; font-size: .9em; }

/* Footer */
.footer { background: #0b1a2b; color: rgba(255,255,255,.78); padding: 56px 0 28px; font-size: .92rem; }
.footer a { color: #fff; }
.footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 36px; }
@media (max-width: 860px) { .footer .cols { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer .cols { grid-template-columns: 1fr; } }
.footer h4 { color: #fff; font-size: .85rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 12px; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: 8px; }
.footer .brand { color: #fff; margin-bottom: 12px; }
.footer .brand span small { color: rgba(255,255,255,.6); }
.footer .fine { border-top: 1px solid rgba(255,255,255,.12); padding-top: 22px; font-size: .8rem; color: rgba(255,255,255,.6); }
.footer .fine p { margin-bottom: .7em; }

/* Sticky mobile CTA */
.sticky-cta { display: none; }
@media (max-width: 700px) {
  .sticky-cta {
    display: grid; grid-template-columns: 1fr 1fr; gap: 10px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
    padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.95);
    border-top: 1px solid var(--line); backdrop-filter: blur(8px);
  }
  .sticky-cta .btn { padding: 12px 10px; font-size: .95rem; }
  body { padding-bottom: 78px; }
}

/* Thanks page */
.thanks { max-width: 640px; margin-inline: auto; text-align: center; }
.thanks .badge { width: 72px; height: 72px; border-radius: 50%; background: #e3f5ec; color: var(--green); display: grid; place-items: center; font-size: 2rem; margin: 0 auto 18px; }