/* ===== ACA Benefit Center — Stylesheet ===== */

:root {
  --navy: #0b1f3a;
  --blue: #0b5fff;
  --blue-dark: #0846c4;
  --teal: #0ea5a5;
  --teal-light: #e6f7f7;
  --amber: #ff8a3d;
  --amber-dark: #f26c14;
  --bg-light: #f4f9fc;
  --white: #ffffff;
  --gray-600: #5a6b7b;
  --gray-300: #d9e3ec;
  --shadow: 0 10px 30px rgba(11, 31, 58, 0.08);
  --shadow-lg: 0 20px 50px rgba(11, 31, 58, 0.14);
  --radius: 16px;
  --radius-sm: 10px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--navy);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Poppins', 'Inter', sans-serif;
  font-weight: 700;
  line-height: 1.25;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-tag {
  display: inline-block;
  color: var(--teal);
  background: var(--teal-light);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 16px;
}

.section-head { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.section-head h2 { font-size: clamp(1.7rem, 3.5vw, 2.4rem); margin-bottom: 14px; }
.section-head p { color: var(--gray-600); font-size: 1.05rem; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 1rem;
  padding: 15px 30px;
  border-radius: 999px;
  border: none;
  cursor: pointer;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  color: var(--white);
  box-shadow: 0 10px 25px rgba(255, 138, 61, 0.35);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 16px 32px rgba(255, 138, 61, 0.45); }
.btn-outline {
  background: transparent;
  border: 2px solid var(--white);
  color: var(--white);
}
.btn-outline:hover { background: var(--white); color: var(--blue); }
.btn-secondary {
  background: var(--white);
  color: var(--blue);
  box-shadow: var(--shadow);
}
.btn-secondary:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.btn-block { width: 100%; justify-content: center; }
.pulse-ring {
  position: relative;
}
.pulse-ring::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 999px;
  border: 2px solid rgba(255,255,255,0.7);
  animation: pulse 2.2s ease-out infinite;
}
@keyframes pulse {
  0% { transform: scale(1); opacity: 0.8; }
  100% { transform: scale(1.5); opacity: 0; }
}

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy);
  color: #cfe0ff;
  font-size: 0.85rem;
  text-align: center;
  padding: 8px 16px;
}
.topbar strong { color: var(--amber); }

/* ---------- Header ---------- */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 500;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--gray-300);
  transition: box-shadow 0.3s ease, padding 0.3s ease;
}
header.site-header.scrolled { box-shadow: 0 6px 24px rgba(11,31,58,0.08); }
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}
.logo { display: flex; align-items: center; gap: 10px; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 1.3rem; color: var(--navy); }
.logo .logo-icon {
  width: 40px; height: 40px; border-radius: 12px;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: 1.1rem;
}
.logo span { color: var(--blue); }
.logo-img { height: 44px; width: auto; display: block; }

nav.main-nav ul { display: flex; gap: 34px; }
nav.main-nav a {
  font-weight: 500;
  color: var(--navy);
  position: relative;
  padding: 6px 0;
}
nav.main-nav a::after {
  content: '';
  position: absolute; left: 0; bottom: -2px;
  width: 0; height: 2px; background: var(--blue);
  transition: width 0.25s ease;
}
nav.main-nav a:hover::after { width: 100%; }

.header-cta { display: flex; align-items: center; gap: 18px; }
.header-phone { display: flex; flex-direction: column; text-align: right; }
.header-phone small { color: var(--gray-600); font-size: 0.75rem; }
.header-phone a { font-family: 'Poppins', sans-serif; font-weight: 700; color: var(--blue); font-size: 1.05rem; }

.nav-toggle { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 90px 0 110px;
  background: linear-gradient(180deg, #f4f9fc 0%, #ffffff 100%);
  overflow: hidden;
}
.hero::before, .hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  filter: blur(10px);
  opacity: 0.35;
  animation: float 8s ease-in-out infinite;
}
.hero::before {
  width: 340px; height: 340px;
  background: radial-gradient(circle, var(--teal), transparent 70%);
  top: -120px; right: -80px;
}
.hero::after {
  width: 260px; height: 260px;
  background: radial-gradient(circle, var(--blue), transparent 70%);
  bottom: -100px; left: -60px;
  animation-delay: 2s;
}
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-25px); }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-copy .section-tag { background: var(--white); box-shadow: var(--shadow); }
.hero-copy h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  margin-bottom: 20px;
}
.hero-copy h1 span { color: var(--blue); }
.hero-copy h1 .accent { color: var(--teal); }
.hero-copy p.lead {
  font-size: 1.15rem;
  color: var(--gray-600);
  margin-bottom: 34px;
  max-width: 540px;
}
.hero-cta-row { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; margin-bottom: 30px; }
.hero-note { display: flex; align-items: center; gap: 8px; color: var(--gray-600); font-size: 0.95rem; }
.hero-note i { color: var(--teal); }

.hero-badges { display: flex; gap: 28px; margin-top: 10px; flex-wrap: wrap; }
.hero-badge { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; font-weight: 600; color: var(--navy); }
.hero-badge i { color: var(--teal); font-size: 1.1rem; }

.hero-media { position: relative; }
.hero-media .frame {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  transform: rotate(1deg);
}
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.floating-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  animation: floatCard 5s ease-in-out infinite;
}
.floating-card.card-1 { top: -18px; left: -30px; animation-delay: 0.5s; }
.floating-card.card-2 { bottom: -20px; right: -24px; animation-delay: 1.5s; }
.floating-card .fc-icon {
  width: 40px; height: 40px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: 1.1rem;
}
.card-1 .fc-icon { background: var(--teal); }
.card-2 .fc-icon { background: var(--amber); }
.floating-card strong { display: block; font-size: 0.95rem; }
.floating-card span { font-size: 0.78rem; color: var(--gray-600); }
@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

/* ---------- Trust strip ---------- */
.trust-strip {
  background: var(--navy);
  padding: 26px 0;
}
.trust-strip .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.trust-item { display: flex; align-items: center; gap: 10px; color: #dce8ff; font-size: 0.95rem; font-weight: 500; }
.trust-item i { color: var(--amber); font-size: 1.2rem; }

/* ---------- Benefits ---------- */
.benefits { padding: 100px 0; background: var(--white); }
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}
.benefit-card {
  background: var(--bg-light);
  border-radius: var(--radius);
  padding: 34px 28px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
  border: 1px solid transparent;
}
.benefit-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  background: var(--white);
  border-color: var(--gray-300);
}
.benefit-icon {
  width: 58px; height: 58px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: 1.4rem;
  margin-bottom: 20px;
}
.benefit-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.benefit-card p { color: var(--gray-600); font-size: 0.96rem; }

/* ---------- How it works ---------- */
.how-it-works { padding: 100px 0; background: var(--bg-light); position: relative; overflow: hidden; }
.how-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.steps { display: flex; flex-direction: column; gap: 34px; position: relative; }
.steps::before {
  content: '';
  position: absolute;
  left: 27px; top: 20px; bottom: 20px;
  width: 2px;
  background: repeating-linear-gradient(to bottom, var(--gray-300) 0 8px, transparent 8px 16px);
}
.step { display: flex; gap: 22px; position: relative; z-index: 1; }
.step-num {
  flex-shrink: 0;
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--blue);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.2rem;
  box-shadow: var(--shadow);
}
.step h3 { font-size: 1.15rem; margin-bottom: 6px; }
.step p { color: var(--gray-600); }
.how-media { position: relative; }
.how-media .frame { border-radius: 24px; overflow: hidden; box-shadow: var(--shadow-lg); }
.how-media img { width: 100%; }
.how-media .stat-chip {
  position: absolute;
  bottom: -22px; left: 24px;
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  padding: 16px 22px;
  display: flex; align-items: center; gap: 14px;
}
.stat-chip i { color: var(--teal); font-size: 1.6rem; }
.stat-chip strong { display: block; font-size: 1rem; }
.stat-chip span { font-size: 0.8rem; color: var(--gray-600); }

/* ---------- Eligibility ---------- */
.eligibility { padding: 100px 0; }
.eligibility-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.eligibility-list { display: flex; flex-direction: column; gap: 20px; margin-top: 30px; }
.eligibility-item {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--bg-light);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.eligibility-item:hover { transform: translateX(6px); box-shadow: var(--shadow); }
.eligibility-item i { color: var(--teal); font-size: 1.3rem; margin-top: 3px; }
.eligibility-item h4 { font-size: 1rem; margin-bottom: 4px; }
.eligibility-item p { color: var(--gray-600); font-size: 0.92rem; }
.eligibility-panel {
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  border-radius: var(--radius);
  padding: 46px 40px;
  color: var(--white);
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.eligibility-panel::before {
  content: '';
  position: absolute; width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(255,255,255,0.15), transparent 70%);
  top: -60px; right: -60px; border-radius: 50%;
}
.eligibility-panel h3 { font-size: 1.6rem; margin-bottom: 14px; }
.eligibility-panel p { color: #cfe0ff; margin-bottom: 28px; }
.eligibility-panel .btn-primary { width: 100%; }

/* ---------- Contact / Quote Form ---------- */
section[id] { scroll-margin-top: 90px; }

.contact-section { padding: 100px 0; background: linear-gradient(180deg, var(--white) 0%, var(--bg-light) 100%); }
.contact-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 60px; align-items: flex-start; }
.contact-info h2 { font-size: clamp(1.7rem, 3.5vw, 2.2rem); margin: 14px 0 16px; }
.contact-info p { color: var(--gray-600); max-width: 460px; }
.contact-info .hero-note span { display: inline; }

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 44px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label { font-size: 0.86rem; font-weight: 600; color: var(--navy); }
.form-group input {
  padding: 13px 16px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--gray-300);
  font-family: 'Inter', sans-serif;
  font-size: 0.98rem;
  color: var(--navy);
  background: var(--bg-light);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}
.form-group input:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(11, 95, 255, 0.12);
  background: var(--white);
}
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.form-consent {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  margin: 6px 0 26px;
}
.form-consent input[type="checkbox"] {
  margin-top: 4px;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  accent-color: var(--blue);
}
.form-consent label { font-size: 0.82rem; color: var(--gray-600); line-height: 1.6; }
.form-consent a { color: var(--blue); text-decoration: underline; }
.form-message {
  margin-top: 16px;
  font-size: 0.92rem;
  font-weight: 600;
  text-align: center;
  min-height: 1.2em;
}
.form-message.success { color: var(--teal); }
.form-message.error { color: #d64545; }

@media (max-width: 992px) {
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .form-row { grid-template-columns: 1fr; }
  .contact-form-card { padding: 28px 22px; }
}

/* ---------- FAQ ---------- */
.faq { padding: 100px 0; background: var(--bg-light); }
.faq-list { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 16px; }
.faq-item {
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 26px;
  cursor: pointer;
  background: none;
  border: none;
  text-align: left;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  font-size: 1.02rem;
  color: var(--navy);
}
.faq-question i { color: var(--blue); transition: transform 0.3s ease; }
.faq-item.active .faq-question i { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0 26px;
  color: var(--gray-600);
}
.faq-item.active .faq-answer { max-height: 300px; padding: 0 26px 22px; }

/* ---------- Final CTA ---------- */
.final-cta {
  padding: 90px 0;
  background: linear-gradient(135deg, var(--navy), var(--blue-dark));
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.final-cta::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 30% 30%, rgba(14,165,165,0.25), transparent 55%),
              radial-gradient(circle at 80% 80%, rgba(255,138,61,0.2), transparent 55%);
}
.final-cta .container { position: relative; z-index: 2; }
.final-cta h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); margin-bottom: 16px; }
.final-cta p { color: #cfe0ff; max-width: 600px; margin: 0 auto 34px; font-size: 1.08rem; }
.final-cta .phone-big { font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 2.2rem; margin-bottom: 26px; }
.final-cta .phone-big a { color: var(--amber); }
.cta-buttons { display: flex; justify-content: center; gap: 18px; flex-wrap: wrap; }

/* ---------- Footer ---------- */
footer.site-footer { background: var(--navy); color: #b9c8de; padding: 70px 0 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-col h4 { color: var(--white); font-size: 1.05rem; margin-bottom: 20px; }
.footer-col p { font-size: 0.92rem; line-height: 1.7; }
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col a { font-size: 0.92rem; transition: color 0.2s ease; }
.footer-col a:hover { color: var(--white); }
.footer-logo { display: inline-flex; align-items: center; margin-bottom: 20px; background: var(--white); border-radius: var(--radius-sm); padding: 10px 18px; box-shadow: var(--shadow); }
.footer-logo-img { height: 40px; width: auto; display: block; }
.footer-contact li { display: flex; align-items: center; gap: 10px; font-size: 0.92rem; }
.footer-contact i { color: var(--teal); }

.disclaimer {
  padding: 26px 0;
  font-size: 0.8rem;
  color: #8ea0ba;
  line-height: 1.7;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-bottom {
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.85rem;
}
.footer-bottom .legal-links { display: flex; gap: 20px; }

/* ---------- Sticky mobile call bar ---------- */
.mobile-call-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 600;
  background: var(--white);
  box-shadow: 0 -8px 24px rgba(11,31,58,0.15);
  padding: 12px 18px;
}
.mobile-call-bar a {
  display: flex; align-items: center; justify-content: center; gap: 10px;
  background: linear-gradient(135deg, var(--amber), var(--amber-dark));
  color: var(--white);
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  padding: 14px;
  border-radius: 999px;
}

/* ---------- Legal pages ---------- */
.legal-page { padding: 70px 0 100px; }
.legal-page .container { max-width: 860px; }
.legal-hero { background: var(--bg-light); padding: 70px 0 40px; text-align: center; }
.legal-hero h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); margin-bottom: 12px; }
.legal-hero p { color: var(--gray-600); }
.legal-content h2 { font-size: 1.35rem; margin: 40px 0 14px; color: var(--blue); }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--gray-600); margin-bottom: 14px; }
.legal-content ul { padding-left: 22px; list-style: disc; }
.legal-content strong { color: var(--navy); }
.legal-updated { color: var(--gray-600); font-size: 0.9rem; margin-bottom: 30px; display: block; }

/* ---------- AOS-lite fallback ---------- */
[data-aos] { opacity: 0; transition-property: opacity, transform; transition-duration: 0.7s; transition-timing-function: cubic-bezier(.21,.6,.35,1); }
[data-aos="fade-up"] { transform: translateY(40px); }
[data-aos="fade-down"] { transform: translateY(-40px); }
[data-aos="fade-left"] { transform: translateX(40px); }
[data-aos="fade-right"] { transform: translateX(-40px); }
[data-aos="zoom-in"] { transform: scale(0.9); }
[data-aos].aos-animate { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 992px) {
  .hero-grid, .how-grid, .eligibility-grid { grid-template-columns: 1fr; }
  .hero-media { order: -1; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  nav.main-nav { display: none; }
  .nav-toggle { display: block; }
  .mobile-call-bar { display: block; }
  body { padding-bottom: 70px; }
}
@media (max-width: 992px) {
  nav.main-nav.open {
    display: block;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--white);
    box-shadow: var(--shadow-lg);
    padding: 20px 24px;
  }
  nav.main-nav.open ul { flex-direction: column; gap: 18px; }
}
@media (max-width: 640px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .header-phone { display: none; }
  .trust-strip .container { justify-content: center; text-align: center; }
  .hero-badges { justify-content: center; }
  .floating-card { display: none; }
}