/* ============================================================
   Financial Safeguard Consulting
   health-insurance.css  — Complete self-contained styles
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,600;0,700;1,400&family=Outfit:wght@300;400;500;600&display=swap');

/* ── Design Tokens ── */
:root {
  --navy-deep:    #050D1A;
  --navy-mid:     #0B1929;
  --navy-card:    #0D1F38;
  --gold:         #C9A84C;
  --gold-light:   #E2C97E;
  --gold-dim:     rgba(201,168,76,0.12);
  --gold-border:  rgba(201,168,76,0.25);
  --red-dim:      rgba(255,80,80,0.07);
  --red-border:   rgba(255,80,80,0.22);
  --red-txt:      #FF7575;
  --white:        #FFFFFF;
  --w85:          rgba(255,255,255,0.85);
  --w55:          rgba(255,255,255,0.55);
  --w25:          rgba(255,255,255,0.25);
  --w10:          rgba(255,255,255,0.07);
  --font-d:       'Cormorant Garamond', Georgia, serif;
  --font-b:       'Outfit', sans-serif;
  --rsm:          6px;
  --rmd:          12px;
  --rlg:          20px;
  --ease:         0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --mw:           1160px;
  --sp:           96px 24px;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-b);
  background: var(--navy-deep);
  color: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
.container { max-width: var(--mw); margin: 0 auto; padding: 0 24px; }

/* ── Global Typography Helpers ── */
.section-label {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.section-title {
  font-family: var(--font-d);
  font-size: clamp(30px, 3.6vw, 48px);
  font-weight: 300;
  line-height: 1.15;
  letter-spacing: -0.5px;
  color: var(--white);
  margin-bottom: 18px;
}
.section-title em { font-style: italic; color: var(--gold-light); }
.section-body { font-size: 15px; font-weight: 300; color: var(--w55); line-height: 1.85; }

/* ── Scroll Reveal ── */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ── Buttons ── */
.btn-primary {
  background: var(--gold); color: var(--navy-deep);
  font-family: var(--font-b); font-size: 14px; font-weight: 600; letter-spacing: .4px;
  padding: 14px 32px; border: none; border-radius: var(--rsm); cursor: pointer;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease);
  display: inline-block;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 10px 36px rgba(201,168,76,.22); }
.btn-ghost {
  background: transparent; color: var(--w85);
  font-family: var(--font-b); font-size: 14px; font-weight: 400;
  padding: 14px 32px; border: 1px solid var(--w25); border-radius: var(--rsm); cursor: pointer;
  transition: border-color var(--ease), color var(--ease), transform var(--ease);
  display: inline-block;
}
.btn-ghost:hover { border-color: var(--w85); color: var(--white); transform: translateY(-2px); }

/* ═══════════════════════════════════════
   NAVBAR
═══════════════════════════════════════ */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0 40px; height: 72px;
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(5,13,26,.88);
  backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(201,168,76,.12);
  transition: background var(--ease);
}
.navbar.scrolled { background: rgba(5,13,26,.98); }
.nav-brand { font-family: var(--font-d); font-size: 18px; font-weight: 600; color: var(--white); white-space: nowrap; }
.nav-brand span { color: var(--gold); }
.nav-links { display: flex; align-items: center; gap: 30px; list-style: none; }
.nav-links a { font-size: 13.5px; font-weight: 400; color: var(--w55); transition: color var(--ease); position: relative; }
.nav-links a::after { content: ''; position: absolute; bottom: -3px; left: 0; width: 0; height: 1px; background: var(--gold); transition: width var(--ease); }
.nav-links a:hover, .nav-links a.active { color: var(--white); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta {
  background: transparent; border: 1px solid var(--gold-border); color: var(--gold);
  font-family: var(--font-b); font-size: 13px; font-weight: 500;
  padding: 9px 20px; border-radius: var(--rsm); cursor: pointer;
  transition: background var(--ease), color var(--ease); white-space: nowrap;
}
.nav-cta:hover { background: var(--gold); color: var(--navy-deep); border-color: var(--gold); }
.nav-hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.nav-hamburger span { display: block; width: 24px; height: 1.5px; background: var(--w85); transition: transform var(--ease); }

/* ═══════════════════════════════════════
   HERO
═══════════════════════════════════════ */
.hero {
  min-height: 88vh; display: flex; align-items: center;
  padding: 130px 24px 80px; position: relative; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 55% 75% at 78% 38%, rgba(201,168,76,.07) 0%, transparent 58%),
    linear-gradient(155deg, var(--navy-deep) 0%, #07111F 55%, var(--navy-mid) 100%);
}
.hero-grid {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(201,168,76,.038) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,.038) 1px, transparent 1px);
  background-size: 58px 58px;
  mask-image: radial-gradient(ellipse 70% 70% at 60% 50%, black 0%, transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse 70% 70% at 60% 50%, black 0%, transparent 70%);
}
.hero-orb {
  position: absolute; width: 560px; height: 560px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,.07) 0%, transparent 65%);
  top: 50%; right: -60px; transform: translateY(-50%); pointer-events: none;
}
.hero-content { position: relative; max-width: 740px; animation: fadeUp .9s ease both; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 22px; }
.breadcrumb a { font-size: 12px; color: var(--w25); transition: color var(--ease); }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb .sep { font-size: 10px; color: var(--w25); }
.hero-eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase;
  color: var(--gold); margin-bottom: 24px;
  display: flex; align-items: center; gap: 12px;
}
.hero-eyebrow::before { content: ''; display: block; width: 28px; height: 1px; background: var(--gold); }
.hero h1 {
  font-family: var(--font-d);
  font-size: clamp(42px, 5.8vw, 72px);
  font-weight: 300; line-height: 1.08; letter-spacing: -1.5px;
  color: var(--white); margin-bottom: 26px;
}
.hero h1 em { font-style: italic; color: var(--gold-light); }
.hero-sub { font-size: 16px; font-weight: 300; color: var(--w55); max-width: 540px; line-height: 1.85; margin-bottom: 40px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex; gap: 44px; flex-wrap: wrap;
  margin-top: 52px; padding-top: 44px;
  border-top: 1px solid rgba(255,255,255,.06);
}
.h-stat { display: flex; flex-direction: column; gap: 5px; }
.h-stat-num { font-family: var(--font-d); font-size: 36px; font-weight: 600; color: var(--gold); line-height: 1; }
.h-stat-lbl { font-size: 12px; font-weight: 300; color: var(--w55); line-height: 1.5; max-width: 130px; }

/* ═══════════════════════════════════════
   WHY IT MATTERS
═══════════════════════════════════════ */
.why-section { padding: var(--sp); background: var(--navy-mid); border-top: 1px solid rgba(201,168,76,.08); }
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 20px; margin-top: 48px; }
.why-card {
  background: var(--navy-deep); border: 1px solid rgba(255,255,255,.06);
  border-left: 3px solid var(--gold); border-radius: var(--rlg); padding: 34px 30px;
  transition: border-color var(--ease), transform var(--ease), box-shadow var(--ease);
}
.why-card:hover { border-color: var(--gold-border); transform: translateY(-5px); box-shadow: 0 20px 52px rgba(0,0,0,.36); }
.why-fig { font-family: var(--font-d); font-size: 42px; font-weight: 700; color: var(--gold); line-height: 1; margin-bottom: 10px; }
.why-card h3 { font-family: var(--font-d); font-size: 21px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.why-card p { font-size: 13.5px; font-weight: 300; color: var(--w55); line-height: 1.75; }

/* ═══════════════════════════════════════
   FEATURE CARDS  (all 13 terms)
═══════════════════════════════════════ */
.features-section { padding: var(--sp); background: var(--navy-deep); }
.features-intro { max-width: 640px; margin-bottom: 56px; }
.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(330px, 1fr)); gap: 20px; }
.feat-card {
  background: var(--navy-card); border: 1px solid rgba(255,255,255,.06);
  border-radius: var(--rlg); padding: 34px 30px;
  position: relative; overflow: hidden;
  transition: border-color var(--ease), transform var(--ease), box-shadow var(--ease);
  display: flex; flex-direction: column;
}
.feat-card::before {
  content: ''; position: absolute; inset: 0; border-radius: var(--rlg);
  background: linear-gradient(135deg, rgba(201,168,76,.05), transparent 55%);
  opacity: 0; transition: opacity var(--ease);
}
.feat-card:hover { border-color: var(--gold-border); transform: translateY(-5px); box-shadow: 0 22px 55px rgba(0,0,0,.38); }
.feat-card:hover::before { opacity: 1; }
.feat-icon {
  width: 48px; height: 48px; background: var(--gold-dim); border: 1px solid var(--gold-border);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; flex-shrink: 0; transition: background var(--ease);
}
.feat-card:hover .feat-icon { background: rgba(201,168,76,.22); }
.feat-icon svg { width: 22px; height: 22px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.feat-num { font-size: 10px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); opacity: .6; margin-bottom: 8px; }
.feat-card h3 { font-family: var(--font-d); font-size: 22px; font-weight: 600; color: var(--white); margin-bottom: 10px; line-height: 1.2; }
.feat-card p { font-size: 13.5px; font-weight: 300; color: var(--w55); line-height: 1.78; flex: 1; }
.feat-example {
  margin-top: 16px; padding: 13px 15px;
  background: rgba(201,168,76,.06);
  border-left: 2px solid var(--gold);
  border-radius: 0 var(--rsm) var(--rsm) 0;
  font-size: 12.5px; color: var(--gold-light); font-style: italic; line-height: 1.65;
}
.feat-example strong { font-style: normal; color: var(--gold); }
.feat-warning {
  margin-top: 14px; padding: 12px 14px;
  background: var(--red-dim); border-left: 2px solid var(--red-txt);
  border-radius: 0 var(--rsm) var(--rsm) 0;
  font-size: 12.5px; color: var(--red-txt); line-height: 1.6;
}

/* ═══════════════════════════════════════
   POLICY COMPARISON (Good vs Bad)
═══════════════════════════════════════ */
.compare-section { padding: var(--sp); background: var(--navy-mid); }
.compare-intro { max-width: 620px; margin-bottom: 48px; }
.compare-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.cmp-card { border-radius: var(--rlg); padding: 40px 36px; border: 1px solid rgba(255,255,255,.07); }
.cmp-card.bad  { background: var(--red-dim); border-color: var(--red-border); }
.cmp-card.good { background: rgba(201,168,76,.04); border-color: var(--gold-border); }
.cmp-badge {
  display: inline-block; font-size: 10px; font-weight: 600; letter-spacing: 2px;
  text-transform: uppercase; padding: 4px 12px; border-radius: 20px; margin-bottom: 20px;
}
.cmp-card.bad  .cmp-badge { background: rgba(255,80,80,.12); color: var(--red-txt); }
.cmp-card.good .cmp-badge { background: var(--gold-dim); color: var(--gold); }
.cmp-card h3 { font-family: var(--font-d); font-size: 24px; font-weight: 600; color: var(--white); margin-bottom: 22px; }
.cmp-list { list-style: none; display: flex; flex-direction: column; gap: 13px; }
.cmp-list li { display: flex; align-items: flex-start; gap: 11px; font-size: 13.5px; font-weight: 300; color: var(--w55); line-height: 1.55; }
.cmp-dot { display: block; width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0; margin-top: 7px; }
.cmp-card.bad  .cmp-dot { background: var(--red-txt); }
.cmp-card.good .cmp-dot { background: var(--gold); }

/* ═══════════════════════════════════════
   CLAIM SETTLEMENT FLOW
═══════════════════════════════════════ */
.claim-section { padding: var(--sp); background: var(--navy-deep); }
.claim-intro { max-width: 600px; margin-bottom: 56px; }
.claim-steps {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
  gap: 0; position: relative;
}
.claim-steps::before {
  content: ''; position: absolute; top: 35px; left: 8%; right: 8%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-border), transparent);
  pointer-events: none;
}
.claim-step { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 16px 32px; }
.step-circle {
  width: 70px; height: 70px; border-radius: 50%;
  border: 1px solid var(--gold-border); background: var(--navy-card);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; position: relative; z-index: 1;
  transition: background var(--ease), border-color var(--ease);
}
.claim-step:hover .step-circle { background: var(--gold-dim); border-color: var(--gold); }
.step-circle svg { width: 26px; height: 26px; stroke: var(--gold); fill: none; stroke-width: 1.5; }
.claim-step h4 { font-family: var(--font-d); font-size: 18px; font-weight: 600; color: var(--white); margin-bottom: 8px; }
.claim-step p { font-size: 12.5px; font-weight: 300; color: var(--w55); line-height: 1.65; }

/* ═══════════════════════════════════════
   PROFESSIONAL NOTE
═══════════════════════════════════════ */
.pro-note-section { padding: var(--sp); background: var(--navy-mid); }
.pro-note {
  background: var(--navy-deep); border: 1px solid var(--gold-border);
  border-radius: var(--rlg); padding: 52px 56px;
  position: relative; overflow: hidden; max-width: 900px; margin: 0 auto;
}
.pro-note::before {
  content: '\201C'; position: absolute; top: -10px; left: 30px;
  font-family: var(--font-d); font-size: 140px; color: var(--gold);
  opacity: .08; line-height: 1; pointer-events: none;
}
.pro-note-label { font-size: 10px; font-weight: 600; letter-spacing: 3px; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.pro-note blockquote {
  font-family: var(--font-d); font-size: clamp(18px, 2.2vw, 25px);
  font-weight: 300; font-style: italic; color: var(--w85); line-height: 1.7;
}
.pro-note-sig { margin-top: 24px; font-size: 13px; font-weight: 400; color: var(--gold); letter-spacing: .5px; }

/* ═══════════════════════════════════════
   PAGE CTA
═══════════════════════════════════════ */
.page-cta { padding: var(--sp); background: var(--navy-deep); text-align: center; position: relative; overflow: hidden; }
.cta-glow {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
  width: 700px; height: 420px;
  background: radial-gradient(ellipse, rgba(201,168,76,.07) 0%, transparent 65%);
  pointer-events: none;
}
.page-cta .section-label { display: block; }
.page-cta h2 {
  font-family: var(--font-d); font-size: clamp(34px, 4.8vw, 60px);
  font-weight: 300; line-height: 1.15; color: var(--white);
  margin: 0 auto 18px; max-width: 700px;
}
.page-cta h2 em { font-style: italic; color: var(--gold-light); }
.cta-body { font-size: 15px; font-weight: 300; color: var(--w55); margin-bottom: 40px; }
.cta-disclaimer { margin-top: 18px; font-size: 11px; color: var(--w25); letter-spacing: .5px; }

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
.footer { background: var(--navy-deep); border-top: 1px solid rgba(201,168,76,.12); padding: 60px 24px 28px; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 44px; margin-bottom: 48px; }
.footer-brand-name { font-family: var(--font-d); font-size: 19px; font-weight: 600; color: var(--white); margin-bottom: 10px; }
.footer-brand-name span { color: var(--gold); }
.footer-tagline { font-size: 13px; font-weight: 300; color: var(--w55); line-height: 1.7; margin-bottom: 22px; max-width: 240px; }
.footer-social { display: flex; gap: 10px; }
.social-btn { width: 34px; height: 34px; border: 1px solid rgba(255,255,255,.1); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--w55); font-size: 12px; transition: border-color var(--ease), color var(--ease), background var(--ease); cursor: pointer; }
.social-btn:hover { border-color: var(--gold); color: var(--gold); background: var(--gold-dim); }
.footer-col h4 { font-size: 10.5px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.footer-col ul li a { font-size: 13px; font-weight: 300; color: var(--w55); transition: color var(--ease); }
.footer-col ul li a:hover { color: var(--white); }
.footer-contact-item { display: flex; flex-direction: column; gap: 3px; margin-bottom: 12px; }
.footer-contact-item span { font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold); font-weight: 500; }
.footer-contact-item a { font-size: 13px; font-weight: 300; color: var(--w55); transition: color var(--ease); }
.footer-contact-item a:hover { color: var(--white); }
.footer-bottom { padding-top: 24px; border-top: 1px solid rgba(255,255,255,.05); display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px; }
.footer-copy { font-size: 11.5px; font-weight: 300; color: var(--w25); }
.footer-legal { display: flex; gap: 18px; }
.footer-legal a { font-size: 11.5px; color: var(--w25); transition: color var(--ease); }
.footer-legal a:hover { color: var(--w55); }
.footer-reg { font-size: 10.5px; font-weight: 300; color: var(--w25); text-align: center; margin-top: 14px; line-height: 1.6; }

/* ═══════════════════════════════════════
   ANIMATIONS
═══════════════════════════════════════ */
@keyframes fadeUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }

/* ═══════════════════════════════════════
   RESPONSIVE
═══════════════════════════════════════ */
@media (max-width: 960px) {
  .navbar { padding: 0 20px; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: fixed; top: 72px; left: 0; right: 0; background: rgba(5,13,26,.98); padding: 28px 24px 36px; gap: 24px; border-bottom: 1px solid rgba(201,168,76,.12); z-index: 999; }
  .nav-cta { display: none; }
  .nav-hamburger { display: flex; }
  .compare-wrap { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  :root { --sp: 68px 20px; }
}
@media (max-width: 640px) {
  .hero-stats { gap: 22px; }
  .hero-actions { flex-direction: column; }
  .btn-primary, .btn-ghost { width: 100%; text-align: center; }
  .features-grid { grid-template-columns: 1fr; }
  .claim-steps { grid-template-columns: 1fr 1fr; }
  .claim-steps::before { display: none; }
  .pro-note { padding: 36px 26px; }
  .footer-inner { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}