@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@500;600;700&family=Outfit:wght@400;500;600;700&display=swap');

:root {
  --navy: #0b1c3d;
  --navy-deep: #061225;
  --sapphire: #1a4f9c;
  --accent: #2f6fd6;
  --accent-bright: #3d82ef;
  --accent-soft: #e8f0fb;
  --ink: #152033;
  --muted: #5c6b7e;
  --line: rgba(11, 28, 61, 0.1);
  --paper: #f3f6fa;
  --paper-warm: #eef3f9;
  --white: #ffffff;
  --radius-sm: 6px;
  --shadow-soft: 0 24px 60px rgba(6, 18, 37, 0.12);
  --font: 'Outfit', system-ui, sans-serif;
  --display: 'Cormorant Garamond', Georgia, serif;
  --max: 1120px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background:
    radial-gradient(1200px 500px at 10% -10%, rgba(47, 111, 214, 0.08), transparent 55%),
    radial-gradient(900px 420px at 100% 8%, rgba(26, 79, 156, 0.07), transparent 50%),
    var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(100% - 2.5rem, var(--max));
  margin-inline: auto;
}

.skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: 0.75rem 1rem;
  z-index: 100;
}
.skip:focus {
  left: 1rem;
  top: 1rem;
}

/* Top bar */
.topbar {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.84rem;
  padding: 0.55rem 0;
  letter-spacing: 0.01em;
}
.topbar-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  justify-content: space-between;
  align-items: center;
}
.topbar a {
  color: #fff;
  font-weight: 600;
}
.topbar .hours {
  opacity: 0.82;
}
.topbar .tty {
  opacity: 0.65;
  font-weight: 500;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
  transition: background 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}
body.has-hero-top .site-header {
  background: rgba(6, 18, 37, 0.28);
  border-bottom-color: transparent;
  backdrop-filter: blur(10px);
}
body.has-hero-top .nav-links a {
  color: rgba(255, 255, 255, 0.92);
}
body.has-hero-top .nav-links a:hover,
body.has-hero-top .nav-links a:focus-visible,
body.has-hero-top .nav-links a[aria-current="page"] {
  color: #fff;
}
body.has-hero-top .menu-btn {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.35);
  color: #fff;
}
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.7rem 0;
}
.brand {
  display: inline-flex;
  align-items: center;
  background: #fff;
  padding: 0.25rem 0.45rem;
  border-radius: 8px;
  line-height: 0;
}
.brand img {
  height: 48px;
  width: auto;
  max-width: min(260px, 58vw);
  object-fit: contain;
  display: block;
}
.site-footer .brand {
  display: inline-block;
  background: #fff;
  padding: 0.4rem 0.65rem;
  border-radius: 8px;
  line-height: 0;
  margin-bottom: 0.85rem;
}
.site-footer .brand img {
  height: 44px;
  max-width: 240px;
  margin-bottom: 0;
}
.nav-links {
  display: flex;
  gap: 0.15rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  display: inline-block;
  padding: 0.4rem 0.1rem;
  margin: 0 0.65rem;
  font-weight: 600;
  font-size: 0.84rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--navy);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: -2px;
  height: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.28s ease;
}
.nav-links a:hover::after,
.nav-links a:focus-visible::after,
.nav-links a[aria-current="page"]::after {
  transform: scaleX(1);
}
.nav-links a:hover,
.nav-links a:focus-visible,
.nav-links a[aria-current="page"] {
  color: var(--accent);
}
.nav-cta {
  display: inline-flex;
  align-items: center;
  background: var(--accent);
  color: #fff !important;
  font-weight: 600;
  padding: 0.7rem 1.2rem;
  border-radius: 999px;
  font-size: 0.9rem;
  transition: background 0.2s ease, transform 0.2s ease;
}
.nav-cta:hover {
  background: var(--accent-bright);
  transform: translateY(-1px);
}
.menu-btn {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 999px;
  padding: 0.55rem 0.9rem;
  cursor: pointer;
  font-family: inherit;
  font-weight: 600;
  color: var(--navy);
}

/* Hero — full-bleed one composition */
.hero {
  position: relative;
  min-height: min(88vh, 760px);
  display: grid;
  align-items: center;
  overflow: hidden;
  color: #fff;
  isolation: isolate;
}
.hero-media {
  position: absolute;
  inset: 0;
  z-index: -2;
  background: url('/images/hero-scenery.jpg') center / cover no-repeat;
  transform: scale(1.06);
  animation: heroDrift 18s ease-in-out infinite alternate;
}
.hero-veil {
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    linear-gradient(105deg, rgba(6, 18, 37, 0.82) 0%, rgba(11, 28, 61, 0.55) 48%, rgba(11, 28, 61, 0.28) 100%),
    linear-gradient(180deg, rgba(6, 18, 37, 0.2) 0%, rgba(6, 18, 37, 0.55) 100%);
}
.hero-inner {
  width: min(100% - 2.5rem, var(--max));
  margin: 0 auto;
  padding: 4.5rem 0 5rem;
}
.hero-brand {
  font-family: var(--display);
  font-size: clamp(3.4rem, 9vw, 6.2rem);
  font-weight: 600;
  line-height: 0.95;
  margin: 0 0 1.1rem;
  letter-spacing: -0.02em;
  opacity: 0;
  animation: riseIn 0.95s ease forwards 0.12s;
}
.hero-brand span {
  color: #9ec0ff;
  font-style: italic;
  font-weight: 500;
}
.hero-lead {
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  max-width: 36ch;
  margin: 0 0 1.85rem;
  color: rgba(255, 255, 255, 0.88);
  font-weight: 400;
  opacity: 0;
  animation: riseIn 0.95s ease forwards 0.32s;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  opacity: 0;
  animation: riseIn 0.95s ease forwards 0.48s;
}
@keyframes riseIn {
  from {
    opacity: 0;
    transform: translateY(22px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}
@keyframes heroDrift {
  from { transform: scale(1.06) translate3d(0, 0, 0); }
  to { transform: scale(1.12) translate3d(-1.5%, -1%, 0); }
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.95rem 1.35rem;
  border-radius: 999px;
  transition: transform 0.2s ease, background 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.btn:hover {
  transform: translateY(-2px);
}
.btn-primary {
  background: var(--accent);
  color: #fff;
  box-shadow: 0 14px 36px rgba(47, 111, 214, 0.35);
}
.btn-primary:hover {
  background: var(--accent-bright);
}
.btn-ghost {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.55);
  backdrop-filter: blur(6px);
}
.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.22);
  border-color: #fff;
}
.btn-navy {
  background: var(--navy);
  color: #fff;
  margin-top: 0.5rem;
}
.btn-navy:hover {
  background: #16325f;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  margin-top: 0.35rem;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 0.02em;
}
.text-link::after {
  content: '→';
  transition: transform 0.22s ease;
}
.text-link:hover::after {
  transform: translateX(4px);
}

/* About */
.about {
  padding: 6rem 0 4.5rem;
}
.section-kicker {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.85rem;
}
.section-title {
  font-family: var(--display);
  font-size: clamp(2.2rem, 4.2vw, 3.35rem);
  line-height: 1.08;
  color: var(--navy);
  margin: 0 0 1.15rem;
  letter-spacing: -0.02em;
  font-weight: 600;
  max-width: 14ch;
}
.about-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 3.5rem;
  align-items: center;
}
.about-copy p {
  color: var(--muted);
  font-size: 1.05rem;
  margin: 0 0 1rem;
}
.about-copy strong {
  color: var(--navy);
}
.about-visual {
  margin: 0;
  position: relative;
}
.about-visual img {
  width: 100%;
  min-height: 420px;
  object-fit: cover;
  clip-path: polygon(0 4%, 100% 0, 100% 96%, 0 100%);
  box-shadow: var(--shadow-soft);
}
.about-visual figcaption {
  margin-top: 1rem;
  font-size: 0.95rem;
  color: var(--muted);
  max-width: 32ch;
  font-style: italic;
  font-family: var(--display);
  font-size: 1.15rem;
}

.plans,
.about,
#home,
#medicare,
#final-expense,
#aca,
#term-life {
  scroll-margin-top: 6rem;
}
.plans-head {
  margin-bottom: 2.5rem;
}
.plan-list {
  display: flex;
  flex-direction: column;
}
.plan {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 0;
  align-items: stretch;
  min-height: 320px;
  background: transparent;
  border: none;
  padding: 0;
}
.plan--flip .plan-media {
  order: 2;
}
.plan--flip .plan-body {
  order: 1;
}
.plan-media {
  overflow: hidden;
  min-height: 280px;
}
.plan-media img {
  width: 100%;
  height: 100%;
  min-height: 320px;
  object-fit: cover;
  transition: transform 0.9s ease;
}
.plan:hover .plan-media img {
  transform: scale(1.04);
}
.plan-body {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(1.75rem, 4vw, 3.5rem);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.72), rgba(238, 243, 249, 0.9));
}
.plan:nth-child(odd) .plan-body {
  background: linear-gradient(180deg, #fff, var(--paper-warm));
}
.plan h3 {
  margin: 0 0 0.65rem;
  font-family: var(--display);
  font-size: clamp(1.7rem, 2.8vw, 2.25rem);
  font-weight: 600;
  line-height: 1.15;
  color: var(--navy);
}
.plan p {
  margin: 0 0 1.1rem;
  color: var(--muted);
  font-size: 1.02rem;
  max-width: 38ch;
}

/* CTA band */
.cta-band {
  position: relative;
  margin: 2rem 0 4rem;
  isolation: isolate;
  overflow: hidden;
  color: #fff;
}
.cta-band-bg {
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(700px 280px at 15% 50%, rgba(47, 111, 214, 0.45), transparent 60%),
    radial-gradient(600px 240px at 90% 40%, rgba(26, 79, 156, 0.4), transparent 55%),
    linear-gradient(120deg, #061225 0%, #0b1c3d 45%, #163a72 100%);
}
.cta-band-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(
    -18deg,
    transparent,
    transparent 14px,
    rgba(255, 255, 255, 0.025) 14px,
    rgba(255, 255, 255, 0.025) 15px
  );
}
.cta-band-inner {
  padding: 3.5rem 0;
  display: flex;
  flex-wrap: wrap;
  gap: 1.75rem;
  align-items: center;
  justify-content: space-between;
}
.cta-band h2 {
  font-family: var(--display);
  font-size: clamp(2rem, 3.5vw, 2.8rem);
  font-weight: 600;
  line-height: 1.1;
  margin: 0 0 0.55rem;
  max-width: 16ch;
}
.cta-band p {
  margin: 0;
  opacity: 0.88;
  max-width: 42ch;
}
.cta-phone {
  text-align: right;
}
.cta-phone a {
  display: block;
  font-family: var(--display);
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 600;
  letter-spacing: 0.01em;
  color: #fff;
}
.cta-phone span {
  display: block;
  opacity: 0.75;
  font-size: 0.9rem;
  margin-top: 0.35rem;
}

/* Disclaimer */
.disclaimer {
  padding: 0 0 3.5rem;
  color: var(--muted);
  font-size: 0.82rem;
}
.disclaimer h2 {
  font-size: 0.95rem;
  color: var(--navy);
  margin: 0 0 0.75rem;
  font-family: var(--font);
  font-weight: 700;
}
.page-smid {
  margin: 0 0 0.85rem;
  color: var(--navy);
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}
.disclaimer p {
  margin: 0 0 0.75rem;
}
.disclaimer a {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.78);
  padding: 3.25rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2rem;
  margin-bottom: 2rem;
}
.site-footer h4 {
  margin: 0 0 0.75rem;
  color: #fff;
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.site-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.site-footer li {
  margin-bottom: 0.45rem;
}
.site-footer a:hover {
  color: #9ec0ff;
}
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1.25rem;
  font-size: 0.85rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  justify-content: space-between;
}

/* Reveal on scroll */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}
.reveal.is-visible {
  opacity: 1;
  transform: none;
}

/* Legal pages */
.legal-page {
  padding: 4rem 0 5rem;
  background: transparent;
}
.legal-page h1 {
  font-family: var(--display);
  color: var(--navy);
  margin: 0 0 1rem;
  font-size: clamp(2.2rem, 4vw, 3rem);
  font-weight: 600;
}
.legal-page h2 {
  color: var(--navy);
  font-size: 1.15rem;
  margin: 1.75rem 0 0.5rem;
}
.legal-page p,
.legal-page li {
  color: var(--muted);
}

@media (max-width: 900px) {
  .about-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .hero {
    min-height: min(78vh, 620px);
  }
  .hero-inner {
    padding: 4rem 0 3.25rem;
  }
  .plan {
    grid-template-columns: 1fr;
    min-height: 0;
  }
  .plan--flip .plan-media,
  .plan--flip .plan-body {
    order: initial;
  }
  .plan-media img {
    min-height: 220px;
  }
  .plan-body {
    padding: 1.5rem 1.25rem 2rem;
  }
  .about-visual img {
    min-height: 280px;
    clip-path: none;
  }
  .cta-phone {
    text-align: left;
  }
  .nav-links,
  .nav-cta {
    display: none;
  }
  .menu-btn {
    display: inline-flex;
  }
  .site-header.is-open .nav-links {
    display: flex;
    flex-direction: column;
    position: absolute;
    left: 1.25rem;
    right: 1.25rem;
    top: calc(100% + 0.35rem);
    background: rgba(255, 255, 255, 0.98);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 0.85rem;
    box-shadow: var(--shadow-soft);
  }
  .site-header.is-open .nav-links a {
    margin: 0;
    padding: 0.7rem 0.6rem;
    color: var(--navy);
  }
  body.has-hero-top .site-header.is-open {
    background: rgba(255, 255, 255, 0.96);
    border-bottom-color: var(--line);
  }
  body.has-hero-top .site-header.is-open .menu-btn {
    background: #fff;
    border-color: var(--line);
    color: var(--navy);
  }
  .site-header.is-open .nav-cta {
    display: inline-flex;
    margin: 0.35rem 1.25rem 1rem;
  }
  .brand img {
    height: 38px;
    max-width: min(200px, 55vw);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
  }
  .hero-media {
    transform: none;
  }
}