/* Independent Benefit Advisors — schealthbenefits.com */
:root {
  --navy: #0e1f4d;
  --navy-deep: rgba(8, 18, 46, 1);
  --blue: #1f4fa0;
  --gold: #f5b72a;
  --gold-light: #ffc94d;
  --bg: #f6f7fb;
  --ink-soft: #56607a;
  --ink-muted: #46555d;
  --line: #e6e9f2;
  --footer-text: #c8d2ea;
  --footer-strong: #e6ebf7;
  --display: 'Bricolage Grotesque', sans-serif;
  --serif: 'Instrument Serif', serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--navy);
  font-family: 'Figtree', system-ui, sans-serif;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; }
a { color: var(--blue); text-underline-offset: 3px; }
button, input, select, textarea { font: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }

.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 50;
  padding: 10px 16px; background: var(--gold); color: var(--navy);
  border-radius: 8px; font-weight: 700; text-decoration: none;
}
.skip-link:focus { top: 12px; }

.page { min-height: 100vh; display: flex; flex-direction: column; }
main { flex: 1; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; cursor: pointer; border: 0; text-decoration: none;
  border-radius: 14px; font-weight: 700; font-size: 15.5px; line-height: 1.2;
  padding: 16px 28px; transition: background-color .15s ease;
}
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-light); color: var(--navy); }
.btn-outline { padding: 15px 27px; border: 1.5px solid rgba(255,255,255,.6); color: #fff; font-weight: 600; }
.btn-outline:hover { background: rgba(255,255,255,.12); color: #fff; }
.btn-navy { background: var(--navy); color: var(--bg); font-weight: 600; font-size: 16px; }
.btn-navy:hover { background: var(--blue); color: var(--bg); }

/* ---------- Top bar & header ---------- */
.topbar { background: var(--navy); color: #eef2fa; font-size: 13px; letter-spacing: .02em; }
.topbar-inner {
  max-width: 1240px; margin: 0 auto; padding: 9px 28px;
  display: flex; flex-wrap: wrap; gap: 8px 24px; justify-content: space-between;
}
.topbar-links { display: flex; gap: 20px; flex-wrap: wrap; }
.topbar a { color: #eef2fa; text-decoration: none; }
.topbar a:hover { text-decoration: underline; }

.site-header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,.94);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(14,31,77,.1);
}
.header-inner {
  max-width: 1240px; margin: 0 auto; padding: 12px clamp(16px,4vw,28px);
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.brand { display: flex; align-items: center; }
.brand img { height: 64px; width: auto; display: block; }
.header-cta {
  padding: 11px 20px; background: var(--navy); color: var(--bg);
  border-radius: 999px; font-size: 14.5px; font-weight: 600;
  white-space: nowrap; text-decoration: none; transition: background-color .15s ease;
}
.header-cta:hover { background: var(--blue); color: var(--bg); }

/* ---------- Hero ---------- */
.hero-wrap { padding: 12px 16px 0; }
.hero {
  position: relative; border-radius: 28px; overflow: hidden;
  min-height: min(80vh, 760px); display: flex; align-items: flex-end; background: var(--navy);
}
.hero-img, .hero-img img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero::after {
  content: ""; position: absolute; inset: 0;
  background:
    linear-gradient(90deg, rgba(8,18,46,.85) 0%, rgba(8,18,46,.55) 45%, rgba(8,18,46,.05) 80%),
    linear-gradient(0deg, rgba(8,18,46,.6) 0%, rgba(8,18,46,0) 45%);
}
.hero-content {
  position: relative; z-index: 1; width: 100%; max-width: 1320px; margin: 0 auto;
  padding: 64px clamp(24px,4vw,56px) 120px; color: #fff;
}
.hero-copy { max-width: 720px; }
.badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 8px 16px 8px 8px;
  border-radius: 999px; background: rgba(255,255,255,.14);
  -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  font-size: 13.5px; font-weight: 500;
}
.badge-tag { padding: 4px 10px; border-radius: 999px; background: var(--gold); color: var(--navy); font-weight: 700; font-size: 12px; }
.hero h1 {
  margin: 26px 0 0; font-family: var(--display); font-weight: 600;
  font-size: clamp(46px,7.4vw,104px); line-height: .95; letter-spacing: -.035em; text-wrap: balance;
}
.hero-lede { margin: 26px 0 0; font-size: clamp(17px,1.5vw,20px); line-height: 1.55; max-width: 44ch; color: var(--footer-strong); }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 34px; }

/* ---------- Coverage strip ---------- */
.coverage {
  max-width: 1320px; margin: -88px auto 0; padding: 0 clamp(28px,4vw,72px);
  position: relative; z-index: 2;
}
.coverage-list {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,210px),1fr));
  background: #fff; border-radius: 22px; box-shadow: 0 30px 60px -24px rgba(14,31,77,.35); overflow: hidden;
}
.coverage-list li { padding: 28px; display: flex; flex-direction: column; gap: 10px; border-right: 1px solid var(--line); }
.coverage-list .eyebrow { font-size: 12px; font-weight: 700; letter-spacing: .12em; color: var(--blue); }
.coverage-list .title { font-family: var(--display); font-size: 22px; font-weight: 600; color: var(--navy); }
.coverage-list .desc { font-size: 14.5px; color: var(--ink-soft); }
.coverage-list li.featured { background: var(--navy); border-right: 0; }
.coverage-list li.featured .eyebrow { color: var(--gold); }
.coverage-list li.featured .title { color: #fff; }
.coverage-list li.featured .desc { color: var(--footer-text); }

/* ---------- Process ---------- */
.process { max-width: 1320px; margin: 0 auto; padding: clamp(67px,9vw,112px) 28px 64px; }
.process h2 {
  margin: 0 auto 64px; font-family: var(--display); font-weight: 600;
  font-size: clamp(36px,4.6vw,60px); line-height: 1.02; letter-spacing: -.03em;
  color: var(--navy); text-align: center; max-width: 20ch; text-wrap: balance;
}
.accent { color: var(--blue); }
.steps {
  position: relative; list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,160px),1fr)); gap: 40px 24px;
}
@media (min-width: 900px) {
  .steps::before {
    content: ""; position: absolute; left: 5%; right: 5%; top: 32px; height: 1px;
    background: repeating-linear-gradient(90deg, var(--gold) 0 6px, transparent 6px 14px);
  }
}
.step { position: relative; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 14px; }
.step-num {
  width: 64px; height: 64px; border-radius: 50%; background: #fff; border: 2px solid var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--display); font-weight: 600; font-size: 22px; color: var(--navy);
}
.step:last-child .step-num { background: var(--navy); border-color: var(--navy); color: var(--gold); }
.step h3 { margin: 0; font-family: var(--display); font-weight: 600; font-size: clamp(20px,4vw,26px); color: var(--navy); }
.step p { margin: 0; font-size: 15.5px; line-height: 1.6; color: var(--ink-soft); max-width: 26ch; }

/* ---------- About ---------- */
.about { max-width: 1240px; margin: 0 auto; padding: clamp(48px,8vw,88px) 28px 40px; width: 100%; }
.about-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,420px),1fr)); gap: 56px; align-items: center; }
.about-card {
  background: var(--navy); border-radius: 22px; padding: clamp(32px,5vw,56px); color: #fff;
  align-self: stretch; display: flex; flex-direction: column; justify-content: space-between; gap: 48px;
}
.about-head { display: flex; flex-direction: column; gap: 28px; }
.rule { width: 56px; height: 4px; border-radius: 2px; background: var(--gold); }
.about-card h2 {
  margin: 0; font-family: var(--display); font-weight: 600; letter-spacing: -.025em;
  font-size: clamp(34px,4vw,52px); line-height: 1.04; color: #fff; text-wrap: balance;
}
.about-card h2 span { color: var(--gold); }
.stats {
  margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,120px),1fr)); gap: 24px;
  border-top: 1px solid rgba(255,255,255,.18); padding-top: 32px;
}
.stats div { display: flex; flex-direction: column-reverse; justify-content: flex-end; gap: 6px; }
.stats dd { margin: 0; font-family: var(--display); font-weight: 600; font-size: clamp(36px,4vw,48px); line-height: 1; letter-spacing: -.03em; color: var(--gold); }
.stats dt { font-size: 14.5px; color: var(--footer-text); }
.about-card .btn { align-self: flex-start; padding: 15px 26px; }
.team-photo img { width: 100%; height: auto; aspect-ratio: 4/5; object-fit: cover; border-radius: 22px; display: block; }

/* ---------- Quote page ---------- */
.contact {
  max-width: 1240px; margin: 0 auto; padding: clamp(48px,9vw,80px) 28px 40px;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,380px),1fr)); gap: 56px; align-items: start;
  font-family: 'Hanken Grotesk', system-ui, sans-serif; color: var(--navy);
}
.kicker { margin: 0 0 14px; font-size: 12px; letter-spacing: .18em; text-transform: uppercase; color: var(--blue); font-weight: 600; }
.contact h1 { margin: 0 0 20px; font-family: var(--serif); font-weight: 400; font-size: clamp(42px,5.4vw,68px); line-height: 1; text-wrap: balance; }
.contact-lede { margin: 0 0 40px; font-size: 17.5px; line-height: 1.7; color: var(--ink-muted); max-width: 44ch; }
.contact-list { margin: 0; }
.contact-list div {
  padding: 18px 0; border-top: 1px solid rgba(14,31,77,.14);
  display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.contact-list div:last-child { border-bottom: 1px solid rgba(14,31,77,.14); }
.contact-list dt { color: #5b6a72; }
.contact-list dd { margin: 0; font-weight: 500; text-align: right; }
.contact-list a { color: var(--navy); text-decoration: none; }
.contact-list a:hover { text-decoration: underline; }

.form-card { background: #fff; border: 1px solid rgba(14,31,77,.1); border-radius: 22px; padding: clamp(24px,4vw,44px); }
.quote-form { display: flex; flex-direction: column; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 8px; font-size: 14px; font-weight: 500; }
.field-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,200px),1fr)); gap: 18px; }
.req { margin-left: 8px; font-size: 12px; font-weight: 600; color: #b4372a; }
.field input, .field select, .field textarea {
  padding: 14px; border: 1px solid rgba(14,31,77,.22); border-radius: 4px;
  background: #fbfaf7; font-size: 16px; color: var(--navy); width: 100%;
}
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--blue); outline-offset: 0; border-color: var(--blue); }
.quote-form .btn { text-align: center; }
.quote-form .btn[disabled] { opacity: .65; cursor: progress; }
.disclaimer { margin: 0; font-size: 12.5px; line-height: 1.55; color: #6b7378; }
.form-error { margin: 0; font-size: 14px; color: #b4372a; }
.hidden-field { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.thanks { padding: 40px 0; text-align: center; }
.thanks h2 { margin: 0 0 12px; font-family: var(--serif); font-weight: 400; font-size: 40px; }
.thanks p { margin: 0; font-size: 17px; line-height: 1.6; color: var(--ink-muted); }

/* ---------- Footer ---------- */
.footer-spacer { height: clamp(48px,8vw,88px); }
.site-footer { background: var(--navy); color: var(--footer-text); font-size: 15px; line-height: 1.6; }
.footer-grid {
  max-width: 1240px; margin: 0 auto; padding: clamp(48px,7vw,80px) 28px 48px;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%,220px),1fr)); gap: 48px 40px; align-items: start;
}
.footer-col { display: flex; flex-direction: column; gap: 12px; }
.footer-brand { gap: 20px; }
.footer-logo { background: #fff; border-radius: 18px; padding: 12px 16px; align-self: flex-start; }
.footer-logo img { height: 72px; width: auto; display: block; }
.footer-tagline { max-width: 30ch; }
.footer-label { font-size: 12px; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); font-weight: 700; }
.site-footer a { color: var(--footer-strong); text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.footer-phone { font-family: var(--display); font-weight: 600; font-size: 22px; color: #fff !important; }
.footer-phone:hover { color: var(--gold) !important; }
.site-footer address { font-style: normal; color: var(--footer-strong); }
.footer-strong { color: var(--footer-strong); }
.footer-bottom {
  max-width: 1240px; margin: 0 auto; padding: 22px 28px 32px; border-top: 1px solid rgba(255,255,255,.14);
  display: flex; flex-wrap: wrap; gap: 12px 24px; justify-content: space-between; font-size: 13px;
}
.footer-bottom a { font-weight: 600; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}