/* ===== Benefit Inquiry — brand system ===== */
:root{
  --blue:#0d2e57;
  --blue-2:#12386b;
  --blue-3:#0a2547;
  --red:#9d3733;
  --red-dark:#832d2a;
  --gold:#c2a15a;
  --gold-soft:#e7d3a4;
  --ink:#1f2d43;
  --body:#42536e;
  --muted:#6c7a91;
  --bg:#ffffff;
  --bg-soft:#f4f7fb;
  --bg-blue-soft:#eef3fa;
  --line:#e2e9f3;
  --radius:16px;
  --radius-sm:10px;
  --maxw:1180px;
  --shadow:0 18px 46px -22px rgba(13,46,87,.35);
  --shadow-sm:0 8px 24px -14px rgba(13,46,87,.30);
  --head:'Merriweather',Georgia,serif;
  --sans:'proxima-nova','Montserrat','Helvetica Neue',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{overflow-x:hidden;max-width:100%}
svg{flex-shrink:0}
body{
  font-family:var(--sans);
  color:var(--body);
  background:var(--bg);
  line-height:1.7;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none;transition:color .18s}
a:hover{color:var(--red)}
h1,h2,h3,h4{font-family:var(--head);color:var(--ink);line-height:1.25;font-weight:700}
h1{font-size:clamp(2rem,4.6vw,3.35rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3.2vw,2.35rem)}
h3{font-size:1.28rem}
p{margin-bottom:1rem}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.section{padding:74px 0}
.section-sm{padding:52px 0}
.soft{background:var(--bg-soft)}
.center{text-align:center}
.eyebrow{
  font-family:var(--sans);font-weight:700;text-transform:uppercase;
  letter-spacing:.16em;font-size:.74rem;color:var(--red);
  display:inline-flex;align-items:center;gap:.5rem;margin-bottom:14px;
}
.eyebrow.light{color:var(--gold-soft)}
.eyebrow::before{content:"";width:26px;height:2px;background:currentColor;display:inline-block}
.eyebrow svg{width:15px;height:15px}
.lead{font-size:1.12rem;color:var(--muted);max-width:640px}
.center .lead{margin-left:auto;margin-right:auto}

/* ===== Buttons — all CTA buttons red, white bold text ===== */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  background:var(--red);color:#fff;font-weight:700;font-family:var(--sans);
  font-size:1rem;letter-spacing:.2px;line-height:1;
  padding:17px 32px;border-radius:10px;border:0;cursor:pointer;
  box-shadow:0 12px 26px -12px rgba(157,55,51,.65);
  transition:transform .16s,box-shadow .16s,background .16s;white-space:nowrap;
}
.btn:hover{background:var(--red-dark);color:#fff;transform:translateY(-2px);box-shadow:0 18px 34px -14px rgba(157,55,51,.7)}
.btn:active{transform:translateY(0)}
.btn .arrow{font-size:1.05em;transition:transform .16s}
.btn:hover .arrow{transform:translateX(3px)}
.btn-lg{padding:20px 40px;font-size:1.08rem}
.btn-sm{padding:12px 24px;font-size:.92rem;border-radius:8px}
.btn-block{display:flex;width:100%}
.link-more{font-weight:700;color:var(--blue);display:inline-flex;align-items:center;gap:.4rem}
.link-more::after{content:"\2192";transition:transform .16s}
.link-more:hover{color:var(--red)}
.link-more:hover::after{transform:translateX(4px)}

/* ===== Top nav ===== */
.nav{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-inner{max-width:var(--maxw);margin:0 auto;padding:0 24px;height:84px;display:flex;align-items:center;gap:20px}
.brand{display:flex;align-items:center;flex-shrink:0}
.brand img{height:62px;width:auto}
.nav-links{display:flex;align-items:center;gap:6px;margin-left:auto}
.nav-links a{color:var(--ink);font-weight:600;font-size:.97rem;padding:10px 14px;border-radius:8px}
.nav-links a:hover{color:var(--red);background:var(--bg-soft)}
.nav-links a.active{color:var(--red)}
.has-drop{position:relative}
.drop-toggle{display:inline-flex;align-items:center;gap:5px;cursor:pointer}
.drop-toggle .caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px;transition:transform .18s}
.dropdown{
  position:absolute;top:calc(100% + 6px);left:50%;transform:translateX(-50%) translateY(6px);
  background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);
  padding:10px;min-width:264px;opacity:0;visibility:hidden;transition:.18s;
}
.has-drop:hover .dropdown,.has-drop:focus-within .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.has-drop:hover .caret{transform:rotate(-135deg);margin-top:3px}
.dropdown a{display:flex;gap:12px;align-items:flex-start;padding:11px 12px;border-radius:10px}
.dropdown a:hover{background:var(--bg-soft)}
.dropdown .di{width:22px;height:22px;color:var(--red);flex-shrink:0;margin-top:2px}
.dropdown .dt{display:block;color:var(--ink);font-weight:700;font-size:.95rem;line-height:1.2}
.dropdown .dd{display:block;color:var(--muted);font-size:.8rem;font-weight:500}
.nav-cta{margin-left:8px}
.nav-cta .btn{padding:12px 22px;font-size:.95rem}
.hamburger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:8px;flex-direction:column;gap:5px}
.hamburger span{width:26px;height:3px;background:var(--blue);border-radius:3px;transition:.2s}
.mobile-panel{display:none}

/* ===== Hero ===== */
.hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,#0d2e57 0%,#12386b 55%,#0a2547 100%)}
.hero::before{content:"";position:absolute;inset:0;opacity:.5;
  background:
   radial-gradient(circle at 82% 18%,rgba(194,161,90,.22),transparent 42%),
   radial-gradient(circle at 12% 92%,rgba(157,55,51,.28),transparent 45%);
}
.hero::after{content:"";position:absolute;inset:0;opacity:.06;
  background-image:repeating-linear-gradient(90deg,#fff 0 2px,transparent 2px 46px);
}
.hero-inner{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;padding:88px 24px 96px;display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
.hero h1{color:#fff}
.hero p.sub{font-size:1.2rem;color:#d7e2f2;max-width:560px;margin:20px 0 30px}
.hero .cta-row{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.hero .ghost{color:#fff;font-weight:700;display:inline-flex;align-items:center;gap:.5rem;padding:17px 8px}
.hero .ghost:hover{color:var(--gold-soft)}
.hero-trust{display:flex;gap:26px;flex-wrap:wrap;margin-top:34px;color:#c6d3e6;font-size:.92rem;font-weight:600}
.hero-trust span{display:inline-flex;align-items:center;gap:8px}
.hero-trust svg{width:18px;height:18px;color:var(--gold-soft)}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:20px;padding:30px;backdrop-filter:blur(6px)}
.hero-card h3{color:#fff;font-size:1.2rem;margin-bottom:6px}
.hero-card p.k{color:#c6d3e6;font-size:.9rem;margin-bottom:20px}
.hero-card .row{display:flex;align-items:center;gap:14px;padding:13px 0;border-top:1px solid rgba(255,255,255,.12)}
.hero-card .row:first-of-type{border-top:0}
.hero-card .ic{width:40px;height:40px;flex-shrink:0;border-radius:11px;background:rgba(194,161,90,.18);display:flex;align-items:center;justify-content:center;color:var(--gold-soft)}
.hero-card .ic svg{width:21px;height:21px}
.hero-card .tx b{display:block;color:#fff;font-size:.97rem;font-weight:700}
.hero-card .tx small{color:#b9c7dc;font-size:.83rem}

/* ===== Trust strip ===== */
.strip{background:var(--blue-3);color:#fff}
.strip .wrap{display:flex;flex-wrap:wrap;justify-content:space-around;gap:24px;padding:26px 24px;text-align:center}
.strip .stat b{font-family:var(--head);font-size:1.9rem;color:var(--gold-soft);display:block;line-height:1.1}
.strip .stat span{font-size:.88rem;color:#c6d3e6;font-weight:600}

/* ===== Section head ===== */
.sec-head{max-width:660px;margin:0 auto 46px}
.sec-head.center{text-align:center}
.sec-head p{margin-top:12px;color:var(--muted);font-size:1.08rem}

/* ===== Category grid ===== */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;transition:transform .18s,box-shadow .18s,border-color .18s;position:relative;overflow:hidden;display:flex;flex-direction:column}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#cdd9ea}
.card .cat-ic{width:56px;height:56px;border-radius:14px;background:var(--bg-blue-soft);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card .cat-ic svg{width:28px;height:28px}
.card h3{margin-bottom:8px}
.card p{color:var(--body);font-size:.98rem;margin-bottom:18px;flex:1}
.card .link-more{margin-top:auto}
.card .tag{position:absolute;top:16px;right:16px;background:var(--red);color:#fff;font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 10px;border-radius:999px}

/* ===== Spotlight ===== */
.spot{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.spot-media{border-radius:20px;overflow:hidden;position:relative;min-height:340px;background:linear-gradient(150deg,#12386b,#0a2547);display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow)}
.spot-media .badge{position:absolute;top:22px;left:22px;background:#fff;color:var(--red);font-weight:700;font-size:.8rem;padding:8px 16px;border-radius:999px;box-shadow:var(--shadow-sm)}
.spot-media .emblem{width:70%;max-width:320px;background:#fff;border-radius:16px;padding:22px}
.spot ul.checks{list-style:none;margin:20px 0 26px}
.spot ul.checks li{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px;font-weight:600;color:var(--ink)}
.spot ul.checks svg{width:22px;height:22px;color:var(--red);flex-shrink:0;margin-top:2px}

/* ===== Steps ===== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 26px;text-align:center;position:relative}
.step .num{width:52px;height:52px;margin:0 auto 16px;border-radius:50%;background:var(--blue);color:#fff;font-family:var(--head);font-weight:900;font-size:1.3rem;display:flex;align-items:center;justify-content:center}
.step h3{margin-bottom:8px}
.step p{color:var(--body);font-size:.97rem;margin:0}

/* ===== Benefit detail list ===== */
.blist{display:grid;gap:20px}
.brow{display:grid;grid-template-columns:64px 1fr;gap:22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;align-items:start;transition:box-shadow .18s,transform .18s}
.brow:hover{box-shadow:var(--shadow-sm);transform:translateY(-2px)}
.brow .bic{width:64px;height:64px;border-radius:14px;background:var(--bg-blue-soft);color:var(--blue);display:flex;align-items:center;justify-content:center}
.brow .bic svg{width:30px;height:30px}
.brow h3{margin-bottom:6px}
.brow p{margin:0;font-size:.98rem}
.brow .pill{display:inline-block;margin-top:10px;background:var(--bg-soft);border:1px solid var(--line);color:var(--muted);font-size:.78rem;font-weight:700;padding:4px 12px;border-radius:999px}
.brow-cta{margin-top:18px}
.card .btn-sm{align-self:flex-start;margin-top:auto}

/* ===== Discount tiles ===== */
.disc{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.dtile{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:24px 20px;text-align:center;transition:transform .18s,box-shadow .18s}
.dtile:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm)}
.dtile .di2{width:46px;height:46px;margin:0 auto 12px;color:var(--red);display:flex;align-items:center;justify-content:center}
.dtile .di2 svg{width:44px;height:44px}
.dtile b{display:block;color:var(--ink);font-family:var(--head);font-size:1rem;margin-bottom:4px}
.dtile span{font-size:.85rem;color:var(--muted)}

/* ===== FAQ ===== */
.faq{max-width:800px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:14px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:20px 24px;font-family:var(--head);font-weight:700;color:var(--ink);font-size:1.05rem;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{width:22px;height:22px;flex-shrink:0;position:relative}
.faq summary .pm::before,.faq summary .pm::after{content:"";position:absolute;background:var(--red);border-radius:2px;transition:.2s}
.faq summary .pm::before{top:10px;left:2px;right:2px;height:2px}
.faq summary .pm::after{left:10px;top:2px;bottom:2px;width:2px}
.faq details[open] summary .pm::after{transform:scaleY(0)}
.faq details p{padding:0 24px 22px;margin:0;color:var(--body);font-size:.98rem}

/* ===== CTA band ===== */
.band{background:linear-gradient(135deg,#0d2e57,#0a2547);color:#fff;text-align:center;border-radius:0}
.band .wrap{padding:66px 24px}
.band h2{color:#fff;margin-bottom:14px}
.band p{color:#cdd9ea;max-width:560px;margin:0 auto 28px;font-size:1.1rem}

/* ===== Content pages ===== */
.page-hero{background:linear-gradient(135deg,#0d2e57,#0a2547);color:#fff;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;inset:0;opacity:.06;background-image:repeating-linear-gradient(90deg,#fff 0 2px,transparent 2px 46px)}
.page-hero .wrap{position:relative;z-index:2;padding:66px 24px 60px;max-width:860px}
.page-hero h1{color:#fff}
.page-hero p{color:#d7e2f2;font-size:1.15rem;max-width:640px;margin-top:16px;margin-bottom:0}
.breadcrumb{font-size:.85rem;color:#a9bcd8;margin-bottom:18px;font-weight:600}
.breadcrumb a{color:#a9bcd8}
.breadcrumb a:hover{color:#fff}
.prose{max-width:820px;margin:0 auto}
.prose h2{margin:34px 0 12px}
.prose h3{margin:24px 0 8px;color:var(--blue)}
.prose ul{margin:0 0 18px 20px}
.prose li{margin-bottom:8px}
.callout{background:var(--bg-blue-soft);border-left:4px solid var(--blue);border-radius:0 12px 12px 0;padding:22px 26px;margin:28px 0;color:var(--ink)}
.callout.red{background:#f9edec;border-left-color:var(--red)}
.note{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:18px 22px;font-size:.92rem;color:var(--muted)}

/* ===== About ===== */
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.value{padding:28px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.value .vi{width:50px;height:50px;color:var(--red);margin-bottom:14px}
.value .vi svg{width:46px;height:46px}
.value h3{margin-bottom:8px}
.value p{font-size:.96rem;margin:0}

/* ===== Footer ===== */
.disclaimer-strip{background:#f9edec;border-top:3px solid var(--red);color:#7a4b48;font-size:.86rem;text-align:center;padding:16px 24px;line-height:1.6}
.disclaimer-strip .wrap{max-width:960px}
.disclaimer-strip strong{color:var(--red)}
footer.site{background:var(--blue-3);color:#c6d3e6}
.foot-top{max-width:var(--maxw);margin:0 auto;padding:56px 24px 34px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.foot-brand .wordmark{display:flex;align-items:center;gap:10px;margin-bottom:16px}
.foot-brand .wordmark .star{color:var(--gold-soft);font-size:1.2rem}
.foot-brand .wordmark b{font-family:var(--head);color:#fff;font-size:1.3rem;letter-spacing:.01em}
.foot-brand p{font-size:.92rem;color:#a9bcd8;max-width:330px}
.foot-col h4{color:#fff;font-family:var(--sans);font-size:.78rem;text-transform:uppercase;letter-spacing:.13em;margin-bottom:16px;font-weight:700}
.foot-col a{display:block;color:#a9bcd8;font-size:.93rem;padding:5px 0}
.foot-col a:hover{color:#fff}
.foot-legal{max-width:var(--maxw);margin:0 auto;padding:26px 24px;border-top:1px solid rgba(255,255,255,.1);font-size:.8rem;color:#8fa2bd;line-height:1.7}
.foot-legal p{margin-bottom:12px}
.foot-bottom{max-width:var(--maxw);margin:0 auto;padding:18px 24px 40px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px;font-size:.82rem;color:#8fa2bd}
.foot-bottom a{color:#8fa2bd}
.foot-bottom a:hover{color:#fff}
.foot-bottom .links a{margin-left:16px}

/* ===== Responsive ===== */
@media(max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:36px;padding:64px 24px 72px}
  .hero-card{max-width:520px}
  .spot{grid-template-columns:1fr;gap:32px}
  .disc{grid-template-columns:repeat(2,1fr)}
  .foot-top{grid-template-columns:1fr 1fr;gap:32px}
}
@media(max-width:820px){
  .nav-links,.nav-cta.desk{display:none}
  .hamburger{display:flex}
  .grid-3,.steps,.values{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
  .section{padding:56px 0}
  body.menu-open{overflow:hidden}
  .mobile-panel{display:block;position:fixed;inset:84px 0 0 0;background:#fff;z-index:55;transform:translateX(100%);transition:transform .26s ease;overflow-y:auto;padding:18px 24px 40px}
  body.menu-open .mobile-panel{transform:translateX(0)}
  body.menu-open .hamburger span:nth-child(1){transform:translateY(8px) rotate(45deg)}
  body.menu-open .hamburger span:nth-child(2){opacity:0}
  body.menu-open .hamburger span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
  .mobile-panel a{display:block;padding:14px 6px;font-weight:600;color:var(--ink);border-bottom:1px solid var(--line);font-size:1.05rem}
  .mobile-panel .mlabel{font-size:.72rem;text-transform:uppercase;letter-spacing:.13em;color:var(--muted);font-weight:700;margin-top:20px;padding:6px}
  .mobile-panel a.btn{color:#fff;font-weight:700;border-bottom:0;margin-top:22px;padding:17px 32px}
}
@media(max-width:520px){
  .disc{grid-template-columns:1fr 1fr}
  .foot-top{grid-template-columns:1fr}
  .brow{grid-template-columns:1fr}
  .brow .bic{width:52px;height:52px}
  .hero .cta-row{flex-direction:column;align-items:stretch}
  .hero .cta-row .btn{width:100%}
  .strip .wrap{gap:18px}
  .strip .stat b{font-size:1.5rem}
}