/* ===== SilverPath Benefits — Medicare Advantage LP =====
   Palette: warm navy + gold, calm cream surfaces.
   Type: Fraunces (display serif) + Inter (body/UI).
   Senior-friendly touch targets and legible sizes.
*/

:root {
  --brand-navy: #0B2545;
  --brand-navy-2: #13315C;
  --brand-gold: #E0B75B;
  --brand-gold-2: #C99B3D;

  --bg: #FAF7F1;
  --bg-elev: #FFFFFF;
  --surface: #F3EEE3;
  --ink: #14202E;
  --ink-2: #3A4656;
  --ink-3: #6C7683;
  --line: #E4DDCE;
  --line-2: #EFE8D8;

  --success: #14724b;
  --danger: #b00020;

  --radius: 12px;
  --radius-lg: 16px;
  --radius-xl: 22px;

  --shadow-sm: 0 1px 2px rgba(11,37,69,.06), 0 1px 1px rgba(11,37,69,.04);
  --shadow: 0 8px 24px rgba(11,37,69,.10), 0 2px 6px rgba(11,37,69,.06);
  --shadow-lg: 0 24px 60px rgba(11,37,69,.18), 0 8px 20px rgba(11,37,69,.08);

  --container: 1160px;

  --font-display: "Fraunces", ui-serif, Georgia, serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--bg);
  font-size: 17px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--brand-navy-2); text-underline-offset: 2px; }
a:hover { color: var(--brand-navy); }

.container { max-width: var(--container); margin: 0 auto; padding: 0 clamp(20px, 4vw, 40px); }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 12px; top: 12px; background: #000; color: #fff; padding: 10px 14px; z-index: 999; }

/* ---------- HEADER ---------- */
.site-header {
  position: sticky; top: 0; z-index: 40;
  background: rgba(250,247,241,.85);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-row {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 0;
}
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand-mark { flex: 0 0 auto; }
.brand-wordmark { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 20px; letter-spacing: -0.01em; color: var(--brand-navy); }
.brand-sub { font-size: 11px; text-transform: uppercase; letter-spacing: 0.14em; color: var(--ink-3); font-weight: 500; }
.brand.small .brand-name { font-size: 18px; }

.header-call {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 10px 16px; border-radius: 999px;
  background: var(--brand-navy); color: #fff !important;
  text-decoration: none; font-weight: 600; font-size: 15px;
  transition: background .2s ease, transform .2s ease;
}
.header-call:hover { background: var(--brand-navy-2); transform: translateY(-1px); }
.header-call small { display: inline-block; font-weight: 500; opacity: .8; margin-left: 6px; font-size: 12px; }

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 22px; border-radius: 999px;
  font-family: var(--font-body); font-weight: 600; font-size: 16px;
  text-decoration: none; cursor: pointer; border: 1px solid transparent;
  transition: transform .15s ease, background .2s ease, box-shadow .2s ease, color .2s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-lg { padding: 16px 26px; font-size: 17px; min-height: 54px; }
.btn-block { width: 100%; }
.btn-primary {
  background: linear-gradient(180deg, var(--brand-gold) 0%, var(--brand-gold-2) 100%);
  color: #23180A; box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.4);
}
.btn-primary:hover { box-shadow: var(--shadow); color: #14100A; }
.btn-ghost {
  background: transparent; color: var(--brand-navy); border-color: var(--brand-navy);
}
.btn-ghost:hover { background: var(--brand-navy); color: #fff !important; }

/* ---------- HERO ---------- */
.hero {
  position: relative; overflow: hidden;
  padding: clamp(40px, 6vw, 72px) 0 clamp(56px, 8vw, 96px);
  background:
    radial-gradient(1200px 500px at 90% -10%, rgba(224,183,91,.20), transparent 60%),
    radial-gradient(900px 480px at -10% 30%, rgba(11,37,69,.06), transparent 60%),
    var(--bg);
}
.hero-grid {
  display: grid; grid-template-columns: 1.15fr 1fr; gap: clamp(28px, 4vw, 56px); align-items: start;
}
.eyebrow {
  display: inline-block; margin: 0 0 18px;
  font-size: 12px; letter-spacing: .16em; text-transform: uppercase;
  color: var(--brand-navy-2); font-weight: 600;
  padding: 6px 12px; border: 1px solid var(--line); border-radius: 999px;
  background: var(--bg-elev);
}
.hero h1 {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(36px, 5.4vw, 60px);
  line-height: 1.05; letter-spacing: -0.02em;
  color: var(--brand-navy);
  margin: 0 0 20px;
  font-variation-settings: "opsz" 100;
}
.hero .lede { font-size: 18px; color: var(--ink-2); max-width: 56ch; margin: 0 0 28px; }
.hero .lede sup a { color: var(--brand-navy-2); text-decoration: none; font-size: 12px; }

.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 22px; }

.trust-row {
  list-style: none; padding: 0; margin: 8px 0 0;
  display: flex; flex-wrap: wrap; gap: 10px 22px;
  font-size: 14px; color: var(--ink-2);
}
.trust-row li { display: inline-flex; align-items: center; gap: 8px; }
.trust-row svg { color: var(--brand-gold-2); }

/* Form card */
.hero-form-card {
  background: var(--bg-elev); border: 1px solid var(--line);
  border-radius: var(--radius-xl); padding: clamp(20px, 3vw, 28px);
  box-shadow: var(--shadow);
  position: relative;
}
.form-title {
  font-family: var(--font-display); font-weight: 700;
  font-size: 26px; line-height: 1.15; letter-spacing: -0.01em;
  color: var(--brand-navy); margin: 0 0 6px;
}
.form-sub { color: var(--ink-2); margin: 0 0 18px; font-size: 15px; }

.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 14px; }
.field label { font-size: 13px; font-weight: 600; color: var(--ink-2); }
.field input[type="text"],
.field input[type="tel"],
.field input[type="date"] {
  font-family: var(--font-body); font-size: 16px;
  padding: 13px 14px; border-radius: 10px;
  border: 1px solid var(--line);
  background: var(--bg);
  color: var(--ink);
  transition: border-color .15s ease, box-shadow .15s ease;
  min-height: 48px;
}
.field input:focus {
  outline: none; border-color: var(--brand-navy);
  box-shadow: 0 0 0 4px rgba(11,37,69,.10);
}
.field.checkbox {
  flex-direction: row; align-items: flex-start; gap: 10px;
  background: var(--surface); border: 1px solid var(--line-2);
  padding: 12px; border-radius: 10px; margin-top: 4px;
}
.field.checkbox input { margin-top: 3px; flex: 0 0 auto; width: 18px; height: 18px; }
.field.checkbox label small { font-size: 12.5px; color: var(--ink-2); line-height: 1.5; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

.form-note { text-align: center; font-size: 13px; color: var(--ink-3); margin: 10px 0 0; }

.btn-spinner {
  display: none; width: 18px; height: 18px; border: 2px solid rgba(0,0,0,.2);
  border-top-color: #23180A; border-radius: 50%; animation: spin .8s linear infinite;
}
.btn.loading .btn-spinner { display: inline-block; }
.btn.loading .btn-label { opacity: .6; }
@keyframes spin { to { transform: rotate(360deg); } }

.form-success {
  text-align: center; padding: 20px 8px;
}
.form-success svg { color: var(--success); margin: 0 auto 8px; }
.form-success h3 {
  font-family: var(--font-display); font-size: 22px;
  color: var(--brand-navy); margin: 4px 0 6px;
}

/* Field error */
.field.error input { border-color: var(--danger); box-shadow: 0 0 0 4px rgba(176,0,32,.08); }
.error-msg { color: var(--danger); font-size: 12.5px; margin-top: 2px; }

/* ---------- SHARED SECTION TYPE ---------- */
.section-eyebrow {
  font-size: 12px; letter-spacing: .16em; text-transform: uppercase;
  color: var(--brand-navy-2); font-weight: 600; margin: 0 0 10px;
}
.section-title {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(26px, 3.4vw, 38px); line-height: 1.12; letter-spacing: -0.015em;
  color: var(--brand-navy); margin: 0 0 14px;
}
.section-lede { color: var(--ink-2); max-width: 65ch; font-size: 17px; margin: 0 0 32px; }

/* ---------- BENEFITS ---------- */
.benefits { padding: clamp(56px, 8vw, 96px) 0; background: var(--bg-elev); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.benefit-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.benefit {
  background: var(--bg); border: 1px solid var(--line);
  padding: 26px 22px; border-radius: var(--radius-lg);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.benefit:hover { transform: translateY(-2px); box-shadow: var(--shadow-sm); border-color: var(--brand-gold); }
.benefit-icon {
  width: 46px; height: 46px; border-radius: 12px;
  display: grid; place-items: center;
  background: linear-gradient(180deg, rgba(224,183,91,.22), rgba(224,183,91,.10));
  color: var(--brand-navy);
  margin-bottom: 14px;
}
.benefit-icon svg { width: 22px; height: 22px; }
.benefit h3 { font-family: var(--font-display); font-size: 19px; margin: 0 0 6px; color: var(--brand-navy); font-weight: 600; }
.benefit p { color: var(--ink-2); margin: 0; font-size: 15.5px; }

/* ---------- HOW ---------- */
.how { padding: clamp(56px, 8vw, 96px) 0; }
.steps {
  list-style: none; padding: 0; margin: 0;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
  counter-reset: step;
}
.steps li {
  background: var(--bg-elev); border: 1px solid var(--line);
  padding: 26px; border-radius: var(--radius-lg);
  position: relative;
}
.step-num {
  display: inline-grid; place-items: center;
  width: 34px; height: 34px; border-radius: 999px;
  background: var(--brand-navy); color: var(--brand-gold);
  font-family: var(--font-display); font-weight: 700; font-size: 16px;
  margin-bottom: 12px;
}
.steps h3 { font-family: var(--font-display); font-size: 19px; margin: 0 0 6px; color: var(--brand-navy); font-weight: 600; }
.steps p { color: var(--ink-2); margin: 0; font-size: 15.5px; }

/* ---------- ELIGIBILITY ---------- */
.eligibility {
  padding: clamp(56px, 8vw, 96px) 0;
  background: linear-gradient(180deg, var(--surface), var(--bg));
  border-top: 1px solid var(--line);
}
.elig-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; }
.check-list { list-style: none; padding: 0; margin: 0 0 12px; }
.check-list li {
  padding-left: 30px; position: relative; margin-bottom: 10px; color: var(--ink-2); font-size: 16.5px;
}
.check-list li::before {
  content: ""; position: absolute; left: 0; top: 5px;
  width: 18px; height: 18px; border-radius: 999px;
  background:
    linear-gradient(180deg, var(--brand-gold) 0%, var(--brand-gold-2) 100%);
  box-shadow: inset 0 -1px 0 rgba(0,0,0,.1);
}
.check-list li::after {
  content: ""; position: absolute; left: 4px; top: 9px;
  width: 10px; height: 5px; border-left: 2px solid #14100A; border-bottom: 2px solid #14100A;
  transform: rotate(-45deg);
}
.fine { font-size: 13px; color: var(--ink-3); margin: 10px 0 0; }
.fine.center { text-align: center; }

.cta-card {
  background: var(--brand-navy); color: #fff;
  border-radius: var(--radius-xl); padding: clamp(24px, 3vw, 32px);
  box-shadow: var(--shadow-lg);
  position: relative; overflow: hidden;
}
.cta-card::before {
  content: ""; position: absolute; inset: -40% -40% auto auto; width: 340px; height: 340px;
  background: radial-gradient(closest-side, rgba(224,183,91,.30), transparent 70%);
  pointer-events: none;
}
.cta-card h3 { font-family: var(--font-display); font-size: 24px; margin: 0 0 8px; }
.cta-card p { color: #DCE3EE; margin: 0 0 16px; }
.cta-card .btn-primary { color: #14100A; }
.cta-card .fine { color: #B7C1D2; }

/* ---------- FAQ ---------- */
.faq { padding: clamp(56px, 8vw, 96px) 0; background: var(--bg-elev); border-top: 1px solid var(--line); }
.faq-list { display: grid; gap: 10px; max-width: 820px; }
.faq details {
  border: 1px solid var(--line); border-radius: 12px; background: var(--bg);
  padding: 4px 18px;
  transition: box-shadow .2s ease, border-color .2s ease;
}
.faq details[open] { box-shadow: var(--shadow-sm); border-color: var(--brand-gold); }
.faq summary {
  cursor: pointer; padding: 16px 32px 16px 0; font-weight: 600; color: var(--brand-navy);
  font-size: 16.5px; list-style: none; position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  font-size: 22px; color: var(--brand-navy-2); font-weight: 400;
}
.faq details[open] summary::after { content: "–"; }
.faq p { margin: 0 0 16px; color: var(--ink-2); font-size: 15.5px; }

/* ---------- FINAL CTA ---------- */
.final-cta {
  background: linear-gradient(135deg, var(--brand-navy) 0%, var(--brand-navy-2) 100%);
  color: #fff; padding: clamp(56px, 8vw, 88px) 0; position: relative; overflow: hidden;
}
.final-cta::before {
  content: ""; position: absolute; inset: auto -20% -80% auto; width: 560px; height: 560px;
  background: radial-gradient(closest-side, rgba(224,183,91,.25), transparent 70%);
  pointer-events: none;
}
.final-cta-inner { text-align: center; position: relative; }
.final-cta h2 {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(28px, 4vw, 44px); line-height: 1.1; letter-spacing: -0.02em;
  color: #fff; margin: 0 0 10px;
}
.final-cta p { color: #DCE3EE; margin: 0 0 22px; font-size: 17px; }
.final-cta .fine { color: #B7C1D2; }

/* ---------- MOBILE STICKY CALL BAR ---------- */
.mobile-call-bar {
  display: none;
  position: fixed; left: 12px; right: 12px; bottom: max(12px, env(safe-area-inset-bottom)); z-index: 60;
  align-items: center; gap: 12px;
  background: var(--brand-navy); color: #fff;
  padding: 14px 18px; border-radius: 999px;
  text-decoration: none; font-weight: 600; font-size: 16px;
  box-shadow: var(--shadow-lg);
}
.mobile-call-bar strong { margin-left: auto; color: var(--brand-gold); font-weight: 700; }
.mobile-call-bar span { display: none; }
@media (min-width: 380px) { .mobile-call-bar span { display: inline; } }

/* ---------- FOOTER / COMPLIANCE ---------- */
.site-footer {
  background: #0A1E39; color: #C4CBD8;
  padding: 40px 0 60px; margin-top: 0;
  border-top: 4px solid var(--brand-gold);
}
.disclaimer {
  border: 1px solid rgba(255,255,255,.10);
  background: rgba(255,255,255,.03);
  border-radius: 12px;
  padding: 20px 22px; margin-bottom: 28px;
}
.disclaimer p { margin: 0 0 10px; font-size: 13px; line-height: 1.55; color: #C4CBD8; }
.disclaimer p:last-child { margin-bottom: 0; }
.disclaimer strong { color: #fff; }
.disclaimer a { color: var(--brand-gold); }

.footer-row {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  flex-wrap: wrap;
}
.footer-row .brand .brand-name { color: #fff; }
.footer-row .brand .brand-sub { color: #8892A5; }
.footer-row .fine { color: #8892A5; margin-top: 6px; }
.footer-nav { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-nav a { color: #C4CBD8; text-decoration: none; font-size: 14px; }
.footer-nav a:hover { color: #fff; }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-form-card { order: -1; margin-bottom: 8px; } /* keep form near top on tablet if wanted */
  .hero-form-card { order: 0; } /* actually keep it below hero copy on tablet — reset */
  .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .elig-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  body { padding-bottom: 96px; } /* leave room for sticky call bar */
  .header-call span { display: none; }
  .header-call { padding: 10px 12px; }
  .header-call::after { content: "Call"; }
  .benefit-grid { grid-template-columns: 1fr; }
  .row { grid-template-columns: 1fr; }
  .mobile-call-bar { display: inline-flex; }
  .hero h1 { font-size: clamp(30px, 8vw, 40px); }
}

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