/* ==========================================================================
   Health Matters Insurance brand stylesheet
   Brand kit lifted from healthmattersins.com:
     blues  #2EA3F2 / #0C71C3 / #003BDE
     dark   #0E2E36
     cream  #F5F6F1
     type   Montserrat (headings) + Open Sans (body)
   ========================================================================== */

:root {
  --hm-blue:       #2ea3f2;
  --hm-blue-dark:  #0c71c3;
  --hm-blue-deep:  #003bde;
  --hm-navy:       #0e2e36;
  --hm-cream:      #f5f6f1;
  --hm-ice:        #f5f9ff;

  --hm-ink:        #333333;
  --hm-body:       #666666;
  --hm-muted:      #999999;
  --hm-line:       #e4e8ec;
  --hm-white:      #ffffff;

  --font-head: "Montserrat", "Helvetica Neue", Arial, sans-serif;
  --font-body: "Open Sans", Arial, sans-serif;

  --wrap: 1180px;
  --radius: 6px;
  --radius-lg: 10px;
  --shadow-sm: 0 2px 10px rgba(14, 46, 54, 0.07);
  --shadow-md: 0 8px 26px rgba(14, 46, 54, 0.1);
  --shadow-lg: 0 18px 48px rgba(14, 46, 54, 0.14);
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);

  --header-h: 96px;
}

/* --------------------------------------------------------------- reset ---- */

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.75;
  color: var(--hm-body);
  background: var(--hm-white);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; height: auto; display: block; border: 0; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  color: var(--hm-navy);
  margin: 0 0 0.6em;
  line-height: 1.22;
  font-weight: 700;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2rem, 4.6vw, 3.25rem); }
h2 { font-size: clamp(1.65rem, 3.2vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.45rem); }
h4 { font-size: 1.08rem; }

p { margin: 0 0 1.15em; }
p:last-child { margin-bottom: 0; }

a { color: var(--hm-blue-dark); text-decoration: none; transition: color 0.2s var(--ease); }
a:hover { color: var(--hm-blue-deep); }

ul, ol { margin: 0 0 1.15em; padding-left: 1.25rem; }
li { margin-bottom: 0.4em; }

strong { color: var(--hm-ink); font-weight: 600; }

:focus-visible {
  outline: 3px solid var(--hm-blue);
  outline-offset: 3px;
  border-radius: 3px;
}

.visually-hidden {
  position: absolute; width: 1px; height: 1px;
  margin: -1px; padding: 0; overflow: hidden;
  clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute; left: 50%; top: -100px; transform: translateX(-50%);
  z-index: 999; background: var(--hm-navy); color: #fff;
  padding: 0.7rem 1.4rem; border-radius: 0 0 var(--radius) var(--radius);
  font-family: var(--font-head); font-weight: 600; font-size: 0.9rem;
  transition: top 0.25s var(--ease);
}
.skip-link:focus { top: 0; color: #fff; }

/* -------------------------------------------------------------- layout ---- */

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.wrap--narrow { max-width: 860px; }

section { position: relative; }
.section { padding: 84px 0; }
.section--tight { padding: 58px 0; }
.section--cream { background: var(--hm-cream); }
.section--ice { background: var(--hm-ice); }
.section--navy { background: var(--hm-navy); color: rgba(255, 255, 255, 0.82); }
.section--navy h2, .section--navy h3 { color: #fff; }

.section-head { max-width: 720px; margin: 0 auto 52px; text-align: center; }
.section-head p { font-size: 1.06rem; }
.section-head--left { margin-left: 0; text-align: left; }

.eyebrow {
  display: block;
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--hm-blue-dark);
  margin-bottom: 0.85rem;
}
.section--navy .eyebrow { color: var(--hm-blue); }

.lead { font-size: 1.15rem; line-height: 1.7; }

.grid { display: grid; gap: 28px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

/* ------------------------------------------------------------- buttons ---- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55rem;
  font-family: var(--font-head); font-size: 0.94rem; font-weight: 700;
  letter-spacing: 0.03em; text-transform: uppercase;
  padding: 0.95rem 2rem; border: 2px solid transparent; border-radius: var(--radius);
  cursor: pointer; text-align: center;
  transition: transform 0.2s var(--ease), background-color 0.2s var(--ease),
              color 0.2s var(--ease), border-color 0.2s var(--ease),
              box-shadow 0.2s var(--ease);
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn--primary { background: var(--hm-blue); color: #fff; box-shadow: 0 6px 18px rgba(46, 163, 242, 0.32); }
.btn--primary:hover { background: var(--hm-blue-dark); color: #fff; box-shadow: 0 10px 26px rgba(12, 113, 195, 0.36); }

.btn--dark { background: var(--hm-navy); color: #fff; }
.btn--dark:hover { background: #123b45; color: #fff; }

.btn--ghost { border-color: var(--hm-blue); color: var(--hm-blue-dark); background: transparent; }
.btn--ghost:hover { background: var(--hm-blue); color: #fff; }

.btn--light { background: #fff; color: var(--hm-blue-dark); }
.btn--light:hover { background: var(--hm-cream); color: var(--hm-blue-deep); }

.btn--outline-light { border-color: rgba(255, 255, 255, 0.55); color: #fff; }
.btn--outline-light:hover { background: #fff; color: var(--hm-blue-dark); border-color: #fff; }

.btn--wide { width: 100%; }
.btn--sm { padding: 0.7rem 1.4rem; font-size: 0.84rem; }

.btn-row { display: flex; flex-wrap: wrap; gap: 16px; }
.btn-row--center { justify-content: center; }

/* -------------------------------------------------------------- header ---- */

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--hm-line);
  transition: box-shadow 0.25s var(--ease);
}
.site-header.is-stuck { box-shadow: var(--shadow-sm); }

.topbar {
  background: var(--hm-navy);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.85rem;
}
.topbar .wrap {
  display: flex; align-items: center; justify-content: flex-end;
  gap: 26px; min-height: 42px; flex-wrap: wrap;
}
.topbar a { color: rgba(255, 255, 255, 0.9); display: inline-flex; align-items: center; gap: 0.45rem; }
.topbar a:hover { color: var(--hm-blue); }
.topbar svg { width: 15px; height: 15px; flex: none; }

.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; min-height: var(--header-h);
}

.brand { display: flex; align-items: center; flex: none; }
.brand img { height: 62px; width: auto; }

.nav { display: flex; align-items: center; gap: 6px; }
.nav .btn { display: none; } /* drawer-only CTA; .header-cta carries it on desktop */
.nav a {
  font-family: var(--font-head); font-size: 0.88rem; font-weight: 600;
  color: var(--hm-ink); padding: 0.6rem 0.85rem; border-radius: var(--radius);
  position: relative; white-space: nowrap;
}
.nav a::after {
  content: ""; position: absolute; left: 0.85rem; right: 0.85rem; bottom: 0.3rem;
  height: 2px; background: var(--hm-blue); border-radius: 2px;
  transform: scaleX(0); transform-origin: left; transition: transform 0.25s var(--ease);
}
.nav a:hover { color: var(--hm-blue-dark); }
.nav a:hover::after { transform: scaleX(1); }
.nav a[aria-current="page"] { color: var(--hm-blue-dark); }
.nav a[aria-current="page"]::after { transform: scaleX(1); }

.header-cta { display: flex; align-items: center; gap: 14px; flex: none; }

.nav-toggle {
  display: none; background: none; border: 0; cursor: pointer;
  padding: 10px; margin-right: -10px; color: var(--hm-navy);
}
.nav-toggle svg { width: 26px; height: 26px; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

/* ---------------------------------------------------------------- hero ---- */

.hero {
  position: relative; overflow: hidden;
  background: var(--hm-navy);
  color: rgba(255, 255, 255, 0.9);
  padding: clamp(88px, 12vw, 148px) 0;
}
.hero__bg { position: absolute; inset: 0; }
.hero__bg img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.hero__bg::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(105deg, rgba(14, 46, 54, 0.93) 0%, rgba(14, 46, 54, 0.78) 42%, rgba(12, 113, 195, 0.45) 100%);
}
.hero .wrap { position: relative; z-index: 2; }
.hero__inner { max-width: 720px; }
.hero h1 { color: #fff; margin-bottom: 1rem; }
.hero h1 em { font-style: normal; color: var(--hm-blue); }
.hero__sub { font-size: clamp(1.05rem, 1.6vw, 1.28rem); line-height: 1.65; margin-bottom: 2rem; color: rgba(255, 255, 255, 0.88); }
.hero .eyebrow { color: var(--hm-blue); }

.hero__trust {
  display: flex; flex-wrap: wrap; gap: 14px 34px;
  margin-top: 2.6rem; padding-top: 1.9rem;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}
.hero__trust div { display: flex; align-items: center; gap: 0.6rem; font-size: 0.93rem; color: rgba(255, 255, 255, 0.85); }
.hero__trust svg { width: 19px; height: 19px; color: var(--hm-blue); flex: none; }

/* page banner (interior pages) */
.banner {
  position: relative; overflow: hidden;
  background: var(--hm-navy); color: rgba(255, 255, 255, 0.86);
  padding: clamp(62px, 8vw, 104px) 0;
}
.banner::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(900px 380px at 88% -10%, rgba(46, 163, 242, 0.4), transparent 70%),
    linear-gradient(180deg, #0e2e36 0%, #10333c 100%);
}
.banner .wrap { position: relative; z-index: 2; }
.banner__inner { max-width: 760px; }
.banner h1 { color: #fff; margin-bottom: 0.65rem; }
.banner p { font-size: 1.1rem; color: rgba(255, 255, 255, 0.85); }

.crumbs { font-size: 0.85rem; color: rgba(255, 255, 255, 0.6); margin-bottom: 1.1rem; }
.crumbs a { color: rgba(255, 255, 255, 0.82); }
.crumbs a:hover { color: var(--hm-blue); }
.crumbs span { padding: 0 0.45rem; }

/* --------------------------------------------------------------- cards ---- */

.card {
  background: #fff; border: 1px solid var(--hm-line); border-radius: var(--radius-lg);
  padding: 34px 30px; box-shadow: var(--shadow-sm);
  transition: transform 0.28s var(--ease), box-shadow 0.28s var(--ease), border-color 0.28s var(--ease);
  height: 100%;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: rgba(46, 163, 242, 0.5); }
.card h3 { margin-bottom: 0.5rem; }
.card p { font-size: 0.97rem; }

.card__icon {
  width: 54px; height: 54px; border-radius: 12px; margin-bottom: 1.15rem;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--hm-blue) 0%, var(--hm-blue-dark) 100%);
  color: #fff; box-shadow: 0 6px 16px rgba(46, 163, 242, 0.3);
}
.card__icon svg { width: 26px; height: 26px; }

.card__link {
  display: inline-flex; align-items: center; gap: 0.4rem; margin-top: 1.1rem;
  font-family: var(--font-head); font-weight: 700; font-size: 0.88rem;
  text-transform: uppercase; letter-spacing: 0.04em;
}
.card__link svg { width: 15px; height: 15px; transition: transform 0.2s var(--ease); }
.card__link:hover svg { transform: translateX(4px); }

/* plan cards (feature blocks with photo) */
.plan-card {
  position: relative; overflow: hidden; border-radius: var(--radius-lg);
  min-height: 340px; display: flex; align-items: flex-end;
  padding: 34px; color: #fff; box-shadow: var(--shadow-md);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.plan-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.plan-card::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(14, 46, 54, 0.15) 0%, rgba(14, 46, 54, 0.9) 78%);
}
.plan-card__body { position: relative; z-index: 2; }
.plan-card h3 { color: #fff; font-size: 1.5rem; margin-bottom: 0.4rem; }
.plan-card p { color: rgba(255, 255, 255, 0.86); font-size: 0.97rem; margin-bottom: 1.1rem; }
.plan-card .card__link { color: #fff; margin-top: 0; }
.plan-card .card__link:hover { color: var(--hm-blue); }

/* comparison columns (two types of Medicare) */
.compare { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; align-items: start; }
.compare__col {
  background: #fff; border: 1px solid var(--hm-line); border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow-sm); height: 100%;
  display: flex; flex-direction: column;
}
.compare__head { padding: 28px 30px; background: var(--hm-navy); color: #fff; }
.compare__col:nth-child(2) .compare__head {
  background: linear-gradient(135deg, var(--hm-blue) 0%, var(--hm-blue-dark) 100%);
}
.compare__head h3 { color: #fff; margin-bottom: 0.3rem; font-size: 1.32rem; }
.compare__head span { font-size: 0.88rem; color: rgba(255, 255, 255, 0.78); font-family: var(--font-head); font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; }
.compare__body { padding: 28px 30px 32px; flex: 1; display: flex; flex-direction: column; }
.compare__body > p:first-child { margin-bottom: 1.3rem; }

.ticks { list-style: none; margin: 0 0 1.6rem; padding: 0; }
.ticks li {
  position: relative; padding-left: 2rem; margin-bottom: 0.85rem;
  color: var(--hm-ink); font-size: 0.98rem; line-height: 1.6;
}
.ticks li::before {
  content: ""; position: absolute; left: 0; top: 0.42em;
  width: 20px; height: 20px; border-radius: 50%;
  background: rgba(46, 163, 242, 0.14);
}
.ticks li::after {
  content: ""; position: absolute; left: 6px; top: 0.72em;
  width: 8px; height: 4.5px;
  border-left: 2px solid var(--hm-blue-dark);
  border-bottom: 2px solid var(--hm-blue-dark);
  transform: rotate(-45deg);
}
.compare__body .ticks { margin-top: auto; margin-bottom: 1.6rem; }
.compare__body .btn { margin-top: auto; }

/* --------------------------------------------------------------- split ---- */

.split { display: grid; grid-template-columns: 1.05fr 1fr; gap: 60px; align-items: center; }
.split--reverse .split__media { order: 2; }
.split__media { position: relative; }
.split__media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); width: 100%; }
.split__media::before {
  content: ""; position: absolute; inset: auto -18px -18px auto;
  width: 62%; height: 62%; border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(46, 163, 242, 0.16), rgba(12, 113, 195, 0.1));
  z-index: -1;
}

.stat-strip { display: flex; flex-wrap: wrap; gap: 34px; margin-top: 2.2rem; }
.stat-strip div { flex: 1 1 130px; }
.stat-strip b {
  display: block; font-family: var(--font-head); font-size: 2.1rem;
  font-weight: 800; color: var(--hm-blue-dark); line-height: 1.1;
}
.stat-strip span { font-size: 0.9rem; color: var(--hm-body); }

/* -------------------------------------------------------------- states ---- */

.states {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(168px, 1fr)); gap: 14px;
}
.state {
  display: flex; align-items: center; gap: 0.65rem;
  background: #fff; border: 1px solid var(--hm-line); border-radius: var(--radius);
  padding: 0.85rem 1.1rem; font-family: var(--font-head); font-weight: 600;
  font-size: 0.93rem; color: var(--hm-ink);
  transition: transform 0.2s var(--ease), border-color 0.2s var(--ease),
              box-shadow 0.2s var(--ease), color 0.2s var(--ease);
}
.state:hover {
  transform: translateY(-3px); border-color: var(--hm-blue);
  color: var(--hm-blue-dark); box-shadow: var(--shadow-sm);
}
.state svg { width: 17px; height: 17px; color: var(--hm-blue); flex: none; }
.state--home { background: var(--hm-navy); border-color: var(--hm-navy); color: #fff; }
.state--home svg { color: var(--hm-blue); }
.state--home:hover { color: #fff; background: #123b45; }

/* ---------------------------------------------------------------- team ---- */

.team { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 26px; }
.member {
  background: #fff; border: 1px solid var(--hm-line); border-radius: var(--radius-lg);
  padding: 32px 24px; text-align: center; box-shadow: var(--shadow-sm);
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.member:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.member__avatar {
  width: 84px; height: 84px; margin: 0 auto 1.1rem; border-radius: 50%;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--hm-blue) 0%, var(--hm-blue-dark) 100%);
  color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 1.6rem;
  letter-spacing: 0.02em; box-shadow: 0 8px 20px rgba(46, 163, 242, 0.3);
}
.member h3 { font-size: 1.12rem; margin-bottom: 0.15rem; }
.member__role {
  font-family: var(--font-head); font-size: 0.76rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--hm-blue-dark);
  margin-bottom: 0.9rem;
}
.member p { font-size: 0.93rem; }
.member__phone {
  display: inline-flex; align-items: center; gap: 0.4rem; margin-top: 0.9rem;
  font-family: var(--font-head); font-weight: 600; font-size: 0.92rem;
}
.member__phone svg { width: 15px; height: 15px; }

/* ---------------------------------------------------------- testimonial ---- */

.quote { max-width: 780px; margin: 0 auto; text-align: center; }
.quote__mark {
  font-family: Georgia, "Times New Roman", serif; font-size: 5rem; line-height: 0.6;
  color: var(--hm-blue); display: block; margin-bottom: 1.2rem;
}
.quote blockquote {
  margin: 0 0 1.6rem; font-size: clamp(1.25rem, 2.3vw, 1.7rem);
  line-height: 1.5; font-family: var(--font-head); font-weight: 500; color: #fff;
}
.quote__cite { font-style: normal; font-size: 0.95rem; color: rgba(255, 255, 255, 0.7); }
.quote__cite b { display: block; color: #fff; font-family: var(--font-head); font-size: 1.02rem; }
.stars { display: flex; justify-content: center; gap: 4px; margin-bottom: 1.6rem; color: #ffb400; }
.stars svg { width: 21px; height: 21px; }

/* ----------------------------------------------------------------- cta ---- */

.cta-band {
  background: linear-gradient(120deg, var(--hm-blue-dark) 0%, var(--hm-blue) 100%);
  color: #fff; padding: 74px 0; text-align: center;
}
.cta-band h2 { color: #fff; margin-bottom: 0.6rem; }
.cta-band p { color: rgba(255, 255, 255, 0.92); font-size: 1.1rem; max-width: 620px; margin: 0 auto 2rem; }

/* ---------------------------------------------------------------- form ---- */

.form-shell { display: grid; grid-template-columns: 1fr 1.15fr; gap: 60px; align-items: start; }

.contact-list { list-style: none; margin: 2rem 0 0; padding: 0; }
.contact-list li { display: flex; gap: 1rem; margin-bottom: 1.5rem; align-items: flex-start; }
.contact-list__icon {
  width: 44px; height: 44px; border-radius: 10px; flex: none; display: grid; place-items: center;
  background: rgba(46, 163, 242, 0.12); color: var(--hm-blue-dark);
}
.section--navy .contact-list__icon { background: rgba(46, 163, 242, 0.2); color: var(--hm-blue); }
.contact-list__icon svg { width: 21px; height: 21px; }
.contact-list dt {
  font-family: var(--font-head); font-size: 0.76rem; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--hm-muted);
  margin-bottom: 0.2rem;
}
.contact-list dd { margin: 0; font-size: 1.02rem; color: var(--hm-ink); }
.section--navy .contact-list dd { color: #fff; }
.section--navy .contact-list dd a { color: #fff; }
.section--navy .contact-list dd a:hover { color: var(--hm-blue); }

.form-card {
  background: #fff; border: 1px solid var(--hm-line); border-radius: var(--radius-lg);
  padding: 38px 34px; box-shadow: var(--shadow-md);
}
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.field { display: flex; flex-direction: column; }
.field--full { grid-column: 1 / -1; }
.field label {
  font-family: var(--font-head); font-size: 0.82rem; font-weight: 600;
  color: var(--hm-ink); margin-bottom: 0.45rem;
}
.field label .req { color: #d63a3a; }
.field input, .field textarea, .field select {
  font-family: var(--font-body); font-size: 1rem; color: var(--hm-ink);
  padding: 0.8rem 1rem; border: 1px solid var(--hm-line); border-radius: var(--radius);
  background: #fcfdfe; width: 100%;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease), background-color 0.2s var(--ease);
}
.field textarea { resize: vertical; min-height: 132px; }
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; border-color: var(--hm-blue); background: #fff;
  box-shadow: 0 0 0 4px rgba(46, 163, 242, 0.14);
}
.field input::placeholder, .field textarea::placeholder { color: #b3bcc4; }
.field .hint { font-size: 0.82rem; color: var(--hm-muted); margin-top: 0.35rem; }
.field input[aria-invalid="true"], .field textarea[aria-invalid="true"] {
  border-color: #d63a3a; background: #fffafa;
}
.field .err { font-size: 0.82rem; color: #d63a3a; margin-top: 0.35rem; min-height: 0; }

.form-note { font-size: 0.85rem; color: var(--hm-muted); margin-top: 1.1rem; }

.form-alert {
  border-radius: var(--radius); padding: 1rem 1.2rem; margin-bottom: 1.5rem;
  font-size: 0.95rem; display: none; border: 1px solid transparent;
}
.form-alert.is-visible { display: block; }
.form-alert--ok { background: #eef9f1; border-color: #b7e2c3; color: #1d6b34; }
.form-alert--err { background: #fdf0f0; border-color: #f0c2c2; color: #a32020; }

.btn[data-loading="true"] { pointer-events: none; opacity: 0.72; }
.btn .spinner {
  width: 16px; height: 16px; border-radius: 50%; display: none;
  border: 2px solid rgba(255, 255, 255, 0.45); border-top-color: #fff;
  animation: spin 0.7s linear infinite;
}
.btn[data-loading="true"] .spinner { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------------------------------------------------------------- misc ---- */

.faq { max-width: 820px; margin: 0 auto; }
.faq details {
  background: #fff; border: 1px solid var(--hm-line); border-radius: var(--radius);
  margin-bottom: 14px; box-shadow: var(--shadow-sm); overflow: hidden;
}
.faq summary {
  cursor: pointer; padding: 1.15rem 3rem 1.15rem 1.4rem; position: relative;
  font-family: var(--font-head); font-weight: 600; color: var(--hm-navy);
  font-size: 1.02rem; list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: 1.4rem; top: 50%;
  width: 9px; height: 9px; margin-top: -6px;
  border-right: 2px solid var(--hm-blue); border-bottom: 2px solid var(--hm-blue);
  transform: rotate(45deg); transition: transform 0.25s var(--ease);
}
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: -2px; }
.faq details > div { padding: 0 1.4rem 1.35rem; font-size: 0.98rem; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li {
  counter-increment: step; position: relative; padding-left: 4.1rem;
  margin-bottom: 2rem;
}
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: -0.1rem;
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--hm-blue) 0%, var(--hm-blue-dark) 100%);
  color: #fff; font-family: var(--font-head); font-weight: 700; font-size: 1.15rem;
  box-shadow: 0 6px 16px rgba(46, 163, 242, 0.28);
}
.steps h3 { font-size: 1.15rem; margin-bottom: 0.3rem; }
.steps p { font-size: 0.97rem; }

.pill-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 0; padding: 0; list-style: none; }
.pill-row li {
  background: #fff; border: 1px solid var(--hm-line); border-radius: 100px;
  padding: 0.5rem 1.1rem; font-size: 0.9rem; color: var(--hm-ink);
  font-family: var(--font-head); font-weight: 600; margin: 0;
}
.section--cream .pill-row li { background: #fff; }

.notice {
  background: var(--hm-cream); border-left: 4px solid var(--hm-blue);
  border-radius: var(--radius); padding: 1.4rem 1.6rem; font-size: 0.93rem;
}
.notice strong { display: block; margin-bottom: 0.3rem; color: var(--hm-navy); font-family: var(--font-head); }

.map-embed {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md);
  border: 1px solid var(--hm-line); line-height: 0; background: var(--hm-cream);
}
.map-embed iframe { width: 100%; height: 420px; border: 0; display: block; }

/* -------------------------------------------------------------- footer ---- */

.site-footer { background: var(--hm-navy); color: rgba(255, 255, 255, 0.68); font-size: 0.94rem; }
.footer-main { padding: 68px 0 48px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 44px; }
.site-footer h2 {
  color: #fff; font-size: 0.82rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; margin-bottom: 1.3rem;
}
.site-footer a { color: rgba(255, 255, 255, 0.72); }
.site-footer a:hover { color: var(--hm-blue); }
.footer-logo {
  background: #fff; border-radius: var(--radius); padding: 12px 16px;
  display: inline-block; margin-bottom: 1.3rem;
}
.footer-logo img { height: 54px; width: auto; }
.footer-list { list-style: none; margin: 0; padding: 0; }
.footer-list li { margin-bottom: 0.65rem; }

.footer-contact { list-style: none; margin: 0; padding: 0; }
.footer-contact li { display: flex; gap: 0.7rem; margin-bottom: 0.9rem; align-items: flex-start; }
.footer-contact svg { width: 17px; height: 17px; color: var(--hm-blue); flex: none; margin-top: 0.35em; }

.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding: 30px 0 40px; font-size: 0.82rem; line-height: 1.7;
  color: rgba(255, 255, 255, 0.52);
}
.footer-legal p { margin-bottom: 0.9rem; }
.footer-legal p:last-child { margin-bottom: 0; }
.footer-bottom {
  display: flex; flex-wrap: wrap; gap: 12px 24px;
  justify-content: space-between; align-items: center;
  margin-top: 1.4rem; padding-top: 1.4rem;
  border-top: 1px solid rgba(255, 255, 255, 0.09);
}

/* --------------------------------------------------------- reveal anim ---- */

.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.6s var(--ease), transform 0.6s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ---------------------------------------------------------- responsive ---- */

@media (max-width: 1080px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 38px; }
  .split { gap: 42px; }
}

@media (max-width: 960px) {
  :root { --header-h: 78px; }

  .nav-toggle { display: block; }

  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(84vw, 340px);
    background: #fff; flex-direction: column; align-items: stretch;
    gap: 4px; padding: 96px 22px 32px; z-index: 120;
    box-shadow: -12px 0 40px rgba(14, 46, 54, 0.16);
    transform: translateX(100%); transition: transform 0.3s var(--ease);
    overflow-y: auto;
  }
  .nav.is-open { transform: translateX(0); }
  .nav a { padding: 0.9rem 0.6rem; font-size: 1rem; border-bottom: 1px solid var(--hm-line); border-radius: 0; }
  .nav a::after { display: none; }
  .nav .btn { display: inline-flex; margin-top: 1.4rem; border-bottom: 0; }
  .nav .btn--primary, .nav .btn--primary:hover { color: #fff; }

  .nav-backdrop {
    position: fixed; inset: 0; background: rgba(14, 46, 54, 0.45);
    opacity: 0; pointer-events: none; transition: opacity 0.3s var(--ease); z-index: 110;
  }
  .nav-backdrop.is-open { opacity: 1; pointer-events: auto; }
  body.nav-locked { overflow: hidden; }

  .header-cta .btn { display: none; }
  .brand img { height: 50px; }

  .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .compare { grid-template-columns: 1fr; }
  .split, .form-shell { grid-template-columns: 1fr; gap: 44px; }
  .split--reverse .split__media { order: 0; }
  .split__media::before { display: none; }
  .section { padding: 64px 0; }
  .topbar .wrap { justify-content: center; gap: 18px; }
}

@media (max-width: 620px) {
  .wrap { padding: 0 18px; }
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
  .form-card { padding: 28px 22px; }
  .card { padding: 28px 24px; }
  .section { padding: 54px 0; }
  .btn { width: 100%; }
  .btn-row { flex-direction: column; }
  .header-cta .btn { width: auto; }
  .nav .btn { width: 100%; }
  .states { grid-template-columns: repeat(auto-fill, minmax(140px, 1fr)); }
  .hero__trust { gap: 12px 20px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .topbar { font-size: 0.8rem; }
  .steps li { padding-left: 3.5rem; }
  .steps li::before { width: 40px; height: 40px; font-size: 1rem; }
}

@media print {
  .site-header, .nav-backdrop, .cta-band, .form-card { display: none; }
  body { color: #000; }
}