/* =====================================================
   Senior Benefit Access — Global Styles
   ===================================================== */

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

:root {
  --blue:       #1a4fa0;
  --blue-dark:  #0f3272;
  --blue-mid:   #2563b8;
  --blue-light: #eef3fb;
  --teal:       #0f7b6c;
  --teal-light: #e6f5f2;
  --text:       #1c2333;
  --muted:      #576071;
  --border:     #dde4f0;
  --white:      #ffffff;
  --bg:         #f6f8fd;
  --radius:     10px;
  --shadow:     0 2px 20px rgba(26,79,160,.09);
}

html { scroll-behavior: smooth; }
body {
  font-family: 'Segoe UI', Arial, sans-serif;
  background: var(--white);
  color: var(--text);
  font-size: 16px;
  line-height: 1.65;
}
a { color: var(--blue); }
img { max-width: 100%; display: block; }

/* ── Alert Bar ────────────────────────────────────── */
.alert-bar {
  background: #f0f4fa;
  color: #4a5870;
  text-align: center;
  padding: 8px 16px;
  font-size: 12.5px;
  border-bottom: 1px solid #dde4f0;
}

/* ── Header ───────────────────────────────────────── */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 0 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 8px rgba(0,0,0,.06);
}
.logo {
  display: flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
}
.logo-mark {
  width: 40px; height: 40px;
  background: var(--blue);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 19px; flex-shrink: 0;
}
.logo-text strong {
  display: block;
  font-size: 16px; font-weight: 700;
  color: var(--blue-dark); line-height: 1.1;
}
.logo-text span {
  font-size: 11px; color: var(--muted);
  text-transform: uppercase; letter-spacing: .05em;
}
.site-nav {
  display: flex; gap: 28px; align-items: center;
}
.site-nav a {
  font-size: 14px; font-weight: 600;
  color: var(--muted); text-decoration: none;
  transition: color .15s;
}
.site-nav a:hover { color: var(--blue); }
.nav-cta {
  background: var(--blue);
  color: #fff !important;
  padding: 9px 20px;
  border-radius: 6px;
  transition: background .15s !important;
}
.nav-cta:hover { background: var(--blue-dark) !important; }

/* ── Hero ─────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: #fff;
  padding: 80px 32px 72px;
}
.hero-inner {
  max-width: 1000px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.hero-eyebrow {
  font-size: 12px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .1em;
  opacity: .7; margin-bottom: 12px;
}
.hero h1 {
  font-size: clamp(28px, 4vw, 46px);
  font-weight: 800; line-height: 1.15;
  margin-bottom: 18px;
}
.hero h1 em { font-style: normal; color: #94c5ff; }
.hero-sub {
  font-size: 17px; opacity: .88; line-height: 1.7;
  margin-bottom: 30px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary {
  display: inline-block;
  background: #fff; color: var(--blue-dark);
  font-size: 15px; font-weight: 700;
  padding: 13px 28px; border-radius: 7px;
  text-decoration: none;
  box-shadow: 0 3px 12px rgba(0,0,0,.15);
  transition: transform .15s, box-shadow .15s;
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 5px 18px rgba(0,0,0,.2); }
.btn-outline {
  display: inline-block;
  border: 2px solid rgba(255,255,255,.5);
  color: #fff; font-size: 15px; font-weight: 600;
  padding: 12px 24px; border-radius: 7px;
  text-decoration: none; transition: border-color .15s;
}
.btn-outline:hover { border-color: #fff; color: #fff; }
.hero-visual {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 14px;
  padding: 28px;
  display: flex; flex-direction: column; gap: 14px;
}
.stat-card {
  background: rgba(255,255,255,.1);
  border-radius: 8px; padding: 16px 20px;
  display: flex; align-items: center; gap: 14px;
}
.stat-icon { font-size: 28px; flex-shrink: 0; }
.stat-card strong { display: block; font-size: 20px; font-weight: 800; }
.stat-card span { font-size: 13px; opacity: .8; }

/* ── Badges Strip ─────────────────────────────────── */
.badges-strip {
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  padding: 20px 32px;
}
.badges-inner {
  max-width: 1000px; margin: 0 auto;
  display: flex; gap: 32px; flex-wrap: wrap;
  justify-content: center; align-items: center;
}
.badge-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 13.5px; font-weight: 600; color: var(--muted);
}
.badge-item span { font-size: 18px; }

/* ── Sections ─────────────────────────────────────── */
.section { padding: 72px 32px; }
.section-alt { background: var(--bg); }
.section-inner { max-width: 1000px; margin: 0 auto; }
.section-label {
  font-size: 12px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .09em;
  color: var(--blue); margin-bottom: 6px;
}
.section-title {
  font-size: clamp(24px, 3.5vw, 36px);
  font-weight: 800; color: var(--text);
  margin-bottom: 14px; line-height: 1.25;
}
.section-sub {
  font-size: 16px; color: var(--muted);
  max-width: 640px; line-height: 1.7;
  margin-bottom: 44px;
}

/* ── Cards Grid ───────────────────────────────────── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  transition: box-shadow .2s;
}
.section-alt .card { background: var(--white); }
.card:hover { box-shadow: 0 6px 28px rgba(26,79,160,.13); }
.card-icon {
  width: 48px; height: 48px;
  background: var(--blue-light);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; margin-bottom: 16px;
}
.card h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.card p { font-size: 14.5px; color: var(--muted); line-height: 1.65; }
.card-link {
  display: inline-block; margin-top: 14px;
  font-size: 13.5px; font-weight: 700;
  color: var(--blue); text-decoration: none;
}
.card-link:hover { text-decoration: underline; }

/* ── Two-col layout ───────────────────────────────── */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
}
.two-col.reverse .col-text { order: 2; }
.two-col.reverse .col-visual { order: 1; }
.col-text h2 {
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 800; margin-bottom: 14px;
}
.col-text p { font-size: 15px; color: var(--muted); margin-bottom: 14px; line-height: 1.75; }
.check-list { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-top: 18px; }
.check-list li {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 15px; color: var(--text);
}
.check-list li::before {
  content: '✓';
  color: var(--teal); font-weight: 700;
  flex-shrink: 0; margin-top: 1px;
}
.col-visual {
  background: var(--blue-light);
  border-radius: 14px;
  padding: 36px;
  display: flex; flex-direction: column; gap: 16px;
}
.info-row {
  display: flex; gap: 14px; align-items: flex-start;
}
.info-dot {
  width: 36px; height: 36px; flex-shrink: 0;
  background: var(--blue); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 800; font-size: 14px;
}
.info-row strong { display: block; font-size: 15px; margin-bottom: 3px; }
.info-row span { font-size: 13.5px; color: var(--muted); }

/* ── Steps ────────────────────────────────────────── */
.steps-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 0;
  position: relative;
}
.step {
  text-align: center;
  padding: 28px 20px;
  position: relative;
}
.step-num {
  width: 48px; height: 48px;
  background: var(--blue); color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; font-weight: 800;
  margin: 0 auto 14px;
}
.step h3 { font-size: 15px; font-weight: 700; margin-bottom: 6px; }
.step p { font-size: 13.5px; color: var(--muted); }

/* ── FAQ ──────────────────────────────────────────── */
.faq-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(440px, 1fr));
  gap: 16px;
}
details {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}
summary {
  padding: 18px 20px;
  font-weight: 600; font-size: 15px;
  cursor: pointer; list-style: none;
  display: flex; justify-content: space-between; align-items: center;
}
summary::-webkit-details-marker { display: none; }
summary::after { content: '+'; font-size: 22px; font-weight: 300; color: var(--blue); }
details[open] summary::after { content: '−'; }
details .ans { padding: 0 20px 18px; font-size: 14px; color: var(--muted); line-height: 1.7; }

/* ── CTA Banner ───────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-dark), var(--blue-mid));
  color: #fff; text-align: center;
  padding: 64px 32px;
}
.cta-banner h2 {
  font-size: clamp(22px, 3.5vw, 36px);
  font-weight: 800; margin-bottom: 12px;
}
.cta-banner p { font-size: 16px; opacity: .88; max-width: 560px; margin: 0 auto 28px; line-height: 1.65; }
.cta-banner .btn-primary { font-size: 16px; padding: 15px 34px; }

/* ── Footer ───────────────────────────────────────── */
.footer {
  background: #0b1525;
  color: #a8b6c8;
  padding: 52px 32px 32px;
  font-size: 13px;
  line-height: 1.7;
}
.footer-inner { max-width: 1000px; margin: 0 auto; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,.08);
  margin-bottom: 32px;
}
.footer-brand strong { color: #fff; font-size: 16px; display: block; margin-bottom: 4px; }
.footer-brand p { font-size: 13px; color: #7a8fa8; margin-top: 10px; max-width: 300px; }
.footer-col h4 { color: #fff; font-size: 13px; font-weight: 700; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .06em; }
.footer-col a { display: block; color: #7a8fa8; text-decoration: none; margin-bottom: 8px; font-size: 13px; transition: color .15s; }
.footer-col a:hover { color: #fff; }

/* Disclosure blocks */
.disclosures { display: flex; flex-direction: column; gap: 16px; margin-bottom: 28px; }
.disc-block {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.07);
  border-left: 3px solid var(--blue-mid);
  border-radius: 6px;
  padding: 16px 18px;
}
.disc-block h5 {
  color: #ccd6e8;
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: .07em;
  margin-bottom: 8px;
}
.disc-block p { font-size: 11.5px; color: #7a8fa8; margin-bottom: 5px; }
.disc-block p:last-child { margin-bottom: 0; }
.disc-block ul { padding-left: 16px; }
.disc-block ul li { font-size: 11.5px; color: #7a8fa8; margin-bottom: 4px; }

.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 8px;
  font-size: 12px; color: #4a5a6e;
}
.footer-bottom a { color: #5a7090; text-decoration: none; }
.footer-bottom a:hover { color: #8ab4d8; }

/* ── Legal Pages ──────────────────────────────────── */
.legal-header {
  background: var(--blue-dark);
  color: #fff; padding: 44px 32px 36px;
}
.legal-header h1 { font-size: clamp(24px, 4vw, 36px); font-weight: 800; margin-top: 10px; }
.legal-header p { opacity: .72; font-size: 14px; margin-top: 6px; }
.breadcrumb { font-size: 13px; opacity: .65; }
.breadcrumb a { color: #fff; }
.legal-body { max-width: 820px; margin: 44px auto; padding: 0 24px 72px; }
.legal-body h2 { font-size: 20px; font-weight: 700; color: var(--blue-dark); margin: 36px 0 10px; padding-bottom: 6px; border-bottom: 2px solid var(--blue-light); }
.legal-body h3 { font-size: 16px; font-weight: 700; margin: 22px 0 6px; }
.legal-body p { font-size: 14.5px; color: #2a2a3a; margin-bottom: 12px; line-height: 1.8; }
.legal-body ul, .legal-body ol { padding-left: 22px; margin-bottom: 14px; }
.legal-body li { font-size: 14.5px; color: #2a2a3a; margin-bottom: 6px; line-height: 1.7; }
.legal-highlight { background: #fff8e1; border-left: 4px solid #f59e0b; border-radius: 4px; padding: 14px 18px; margin: 22px 0; font-size: 14px; color: #7a5c00; font-weight: 500; }

/* ── Responsive ───────────────────────────────────── */
@media (max-width: 768px) {
  .site-header { padding: 0 16px; }
  .site-nav { display: none; }
  .hero { padding: 52px 20px; }
  .hero-inner { grid-template-columns: 1fr; gap: 36px; }
  .hero-visual { display: none; }
  .section { padding: 52px 20px; }
  .two-col { grid-template-columns: 1fr; gap: 32px; }
  .two-col.reverse .col-text { order: 1; }
  .two-col.reverse .col-visual { order: 2; }
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .faq-grid { grid-template-columns: 1fr; }
  .badges-inner { gap: 16px; }
  .legal-header { padding: 32px 20px; }
}