/* =============================================================
   HealthPlan99 – Custom Stylesheet
   Stack: Bootstrap 5.3 · Font Awesome 6.5 · AOS 2.3 · Lato
   ============================================================= */


/* ─────────────────────────────────────────────────────────────
   1. CUSTOM PROPERTIES (Design Tokens)
───────────────────────────────────────────────────────────── */
:root {
    --navy:        #1d3461;
    --navy-dark:   #0f1c35;
    --red:         #dc3545;
    --gold:        #f0a500;
    --blue:        #2b5fcf;
    --text:        #1a1a1a;
    --body-text:   #555555;
    --border:      #e0e0e0;
}


/* ─────────────────────────────────────────────────────────────
   2. RESET / BASE
───────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    font-family: 'Lato', sans-serif;
    color: var(--text);
    overflow-x: hidden;
    background: #fff;
}

img { max-width: 100%; height: auto; }

a { text-decoration: none; }


/* ─────────────────────────────────────────────────────────────
   3. TOP ANNOUNCEMENT BAR
───────────────────────────────────────────────────────────── */
.top-bar {
    background: #273272;
    color: #fff;
    font-size: 13px;
    padding: 9px 0;
    text-align: center;
    letter-spacing: 0.2px;
}


/* ─────────────────────────────────────────────────────────────
   4. NAVIGATION
───────────────────────────────────────────────────────────── */
.site-nav {
    background: #fff;
    padding: 16px 0;
    box-shadow: 0 1px 4px rgba(0,0,0,0.10);
}

/* Desktop: 3-column grid [links | brand | button] */
.nav-desktop {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
}

.brand {
    font-size: 26px;
    font-weight: 900;
    color: #1a1a1a;
    letter-spacing: -0.4px;
    white-space: nowrap;
    text-align: center;
    text-decoration: none;
}
.brand:hover { color: var(--navy); }

.nav-right { text-align: right; }

.nav-links {
    display: flex;
    align-items: center;
    gap: 0;
    list-style: none;
    margin: 0;
    padding: 0;
}
.nav-links a {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    color: #111;
    padding: 8px 14px;
    transition: color .2s;
    position: relative;
}
.nav-links a:hover { opacity: 0.75; }

.nav-links a.active,
.nav-links-mobile a.active {
    color: #111;
    opacity: 1;
}

.nav-links a.active::after {
    width: calc(100% - 28px);
}

.btn-nav {
    background: var(--navy);
    color: #fff !important;
    font-weight: 700;
    font-size: 14px;
    padding: 13px 30px;
    border-radius: 4px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    transition: background .2s;
    white-space: nowrap;
    display: inline-block;
    text-decoration: none;
}
.btn-nav:hover { background: var(--navy-dark); color: #fff !important; }

/* Mobile bar */
.nav-mobile-bar {
    display: none;
    justify-content: space-between;
    align-items: center;
}

/* Mobile nav collapse */
.nav-collapse {
    display: none;
    padding-top: 12px;
    border-top: 1px solid #eee;
    margin-top: 10px;
}
.nav-collapse.open { display: block; }

.nav-links-mobile {
    list-style: none;
    margin: 0 0 12px;
    padding: 0;
}
.nav-links-mobile li a {
    display: block;
    font-size: 14px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.7px;
    color: #111;
    padding: 11px 4px;
    border-bottom: 1px solid #f0f0f0;
    text-decoration: none;
}

/* Hamburger toggle button */
.nav-toggler {
    background: none;
    border: 1px solid #ccc;
    border-radius: 4px;
    padding: 7px 10px;
    cursor: pointer;
    display: none;
}
.nav-toggler span {
    display: block;
    width: 22px;
    height: 2px;
    background: #555;
    margin: 5px 0;
    border-radius: 2px;
}


/* ─────────────────────────────────────────────────────────────
   5. HERO SECTION
───────────────────────────────────────────────────────────── */
.hero {
    background-image: url('images/cover.jpg');
    
     /*background-image: url('images/healthplan9902.jpg');*/
    background-size: cover;
    background-position: center 30%;
    background-repeat: no-repeat;
    background-color: #1a2d50;
    position: relative;
    padding: 80px 0 160px;
    min-height: 700px;
    display: flex;
    align-items: center;
}

/* Dark gradient overlay */
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to bottom,
        rgb(23 29 49 / 40%)   0%,
        rgb(67 79 113 / 55%)  45%,
        rgb(118 135 185 / 82%) 75%,
        rgb(2 24 83 / 96%)    100%
    );
}

.hero-inner { position: relative; z-index: 1; width: 100%; }

.hero-tag {
    color: rgba(255,255,255,.9);
    font-size: 19px;
    font-weight: 700;
    letter-spacing: 0.5px;
    margin-bottom: 14px;
}
.hero-title {
    font-size: clamp(44px, 4.6vw, 70px);
    font-weight: 900;
    color: #fff;
    line-height: 1.06;
    margin-bottom: 24px;
}
.hero-desc {
    color: rgba(255,255,255,.88);
    font-size: 19px;
    line-height: 1.72;
    margin-bottom: 36px;
    max-width: 520px;
}

/* Primary red CTA button */
.btn-red {
    background: var(--red);
    color: #fff;
    font-weight: 700;
    font-size: 16px;
    padding: 14px 36px;
    border-radius: 4px;
    border: none;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    display: inline-block;
    transition: background .2s, transform .15s;
    cursor: pointer;
    text-decoration: none;
}
.btn-red:hover {
    background: #c82333;
    color: #fff;
    transform: translateY(-1px);
}


/* ─────────────────────────────────────────────────────────────
   6. QUOTE / LEAD-GEN FORM CARD
───────────────────────────────────────────────────────────── */
.quote-card {
    background: #fff;
    border-radius: 6px;
    padding: 22px 40px 18px;
    box-shadow: 0 10px 50px rgba(0,0,0,0.28);
    max-width: 470px;
    margin-left: auto;
}

.quote-title {
    font-size: 22px;
    font-weight: 900;
    color: #1a1a1a;
    line-height: 1.3;
    margin-top: 16px;
    margin-bottom: 6px;
    text-align: center;
}
.quote-sub {
    font-size: 14px;
    color: #777;
    line-height: 1.55;
    margin-bottom: 8px;
    text-align: center;
}

.field-group { margin-bottom: 5px; }

.field-label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: #333;
    margin-bottom: 3px;
}

.quote-card .form-select,
.quote-card .form-control {
    border: 1px solid #c8c8c8;
    border-radius: 3px;
    padding: 7px 12px;
    font-size: 14.5px;
    color: #555;
    font-family: 'Lato', sans-serif;
    width: 100%;
}
.quote-card .form-select:focus,
.quote-card .form-control:focus {
    border-color: var(--navy);
    box-shadow: 0 0 0 2px rgba(29,52,97,.12);
    outline: none;
}

.consent-box {
    max-height: 78px;
    overflow-y: auto;
    margin: 6px 0 4px;
    padding: 6px 8px;
    border: 1px solid #e5e5e5;
    border-radius: 3px;
}
.consent-text {
    font-size: 11.5px;
    color: #888;
    line-height: 1.5;
}

/* Outline submit button */
.btn-submit {
    background: transparent;
    color: var(--red);
    width: auto;
    padding: 6px 20px;
    font-weight: 700;
    font-size: 13px;
    border: 1.5px solid var(--red);
    border-radius: 3px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    cursor: pointer;
    transition: background .2s, color .2s;
    margin-top: 8px;
    font-family: 'Lato', sans-serif;
}
.btn-submit:hover {
    background: var(--red);
    color: #fff;
}


/* ─────────────────────────────────────────────────────────────
   7. FEATURE CARDS (overlap hero at bottom)
───────────────────────────────────────────────────────────── */
.features-row {
    background: transparent;
    position: relative;
    z-index: 10;
    padding-bottom: 80px;
}

/* Negative margin pulls cards up into the hero */
.feat-cards-wrap { margin-top: -110px; }

.feat-card {
    background: #fff;
    box-shadow: 0 6px 30px rgba(0,0,0,0.10);
    padding: 48px 32px 44px;
    text-align: center;
    height: 100%;
    max-width: 370px;
    margin: 0 auto;
}

/* Gray ring icon (cards 1 & 3) */
.feat-icon-ring {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    border: 2px solid #d8d8d8;
    background: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 26px;
    transition: background .25s, border-color .25s;
    cursor: pointer;
}
.feat-icon-ring i {
    font-size: 32px;
    color: var(--navy);
    transition: color .25s;
}
.feat-icon-ring:hover { background: var(--navy); border-color: var(--navy); }
.feat-icon-ring:hover i { color: #fff; }

/* Solid navy icon (card 2 — active by default) */
.feat-icon-filled {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    background: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 26px;
    transition: background .25s;
    cursor: pointer;
}
.feat-icon-filled i { font-size: 32px; color: #fff; }

.feat-title {
    font-size: 19px;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 16px;
    line-height: 1.35;
}
.feat-text {
    font-size: 15.5px;
    color: var(--body-text);
    line-height: 1.72;
}


/* ─────────────────────────────────────────────────────────────
   8. ABOUT US SECTION
───────────────────────────────────────────────────────────── */
.about-section { padding: 50px 0 90px; }

.about-img {
    width: 100%;
    height: 460px;
    object-fit: cover;
    border-radius: 4px;
    display: block;
}

.sec-title {
    font-size: 38px;
    font-weight: 900;
    color: var(--text);
    margin-bottom: 28px;
    line-height: 1.15;
}
.sec-body {
    font-size: 15.5px;
    color: var(--body-text);
    line-height: 1.78;
    margin-bottom: 16px;
}
.brand-name-inline {
    color: var(--navy);
    font-weight: 700;
}


/* ─────────────────────────────────────────────────────────────
   9. WHY CHOOSE US SECTION (full-width, two-column)
───────────────────────────────────────────────────────────── */
.why-section { overflow: hidden; }

/* Left dark indigo column — padding-left aligns with Bootstrap
   container at each breakpoint (see responsive section below) */
.why-left {
    background: #1e3282;
    padding: 100px 70px 100px 20px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

/* Heading row: gold dash + title */
.why-heading-row {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 65px;
}
.why-dash {
    width: 40px;
    height: 4px;
    background: var(--gold);
    border-radius: 2px;
    flex-shrink: 0;
}
.why-h2 {
    font-size: 40px;
    font-weight: 400;
    color: #fff;
    margin: 0;
    line-height: 1.1;
    letter-spacing: -0.3px;
}
.why-h2 strong { font-weight: 900; }

/* 2×2 feature grid */
.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px 52px;
}

.why-item {
    display: flex;
    align-items: flex-start;
    gap: 20px;
}
.why-item-icon {
    flex-shrink: 0;
    width: 46px;
    font-size: 38px;
    color: rgba(255,255,255,0.92);
    line-height: 1;
    padding-top: 3px;
    text-align: center;
}
.why-item-body h4 {
    font-size: 18px;
    font-weight: 700;
    color: #fff;
    margin: 0 0 12px;
    line-height: 1.3;
}
.why-item-body p {
    font-size: 15px;
    color: rgba(255,255,255,0.70);
    line-height: 1.7;
    margin: 0;
}

/* Right full-height image column */
.why-right {
    padding: 0 !important;
    overflow: hidden;
}
.why-photo {
    width: 100%;
    height: 100%;
    min-height: 640px;
    object-fit: cover;
    object-position: center;
    display: block;
}


/* ─────────────────────────────────────────────────────────────
   10. PROFESSIONAL SERVICES SECTION
───────────────────────────────────────────────────────────── */
.services-section { padding: 90px 0 85px; }

.services-label {
    display: flex;
    align-items: center;
    gap: 18px;
    margin-bottom: 50px;
}
.services-dash {
    width: 40px;
    height: 4px;
    background: var(--navy);
    border-radius: 2px;
    flex-shrink: 0;
}
.services-title {
    font-size: 36px;
    font-weight: 400;
    color: var(--navy);
    margin: 0;
    letter-spacing: -0.2px;
}
.services-title strong {
    font-weight: 900;
    color: var(--text);
}

.service-img {
    width: 100%;
    height: 400px;
    object-fit: cover;
    border-radius: 4px;
    display: block;
}
.service-item-title {
    font-size: 26px;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 18px;
}
.service-desc {
    font-size: 15.5px;
    color: var(--body-text);
    line-height: 1.75;
    margin-bottom: 0;
}


/* ─────────────────────────────────────────────────────────────
   11. DISCLAIMER SECTION
───────────────────────────────────────────────────────────── */
.disclaimer-section {
    background: #f5f5f5;
    padding: 65px 0 60px;
}
.disclaimer-p {
    font-size: 15px;
    color: #555;
    line-height: 1.75;
    margin-bottom: 18px;
}
.disclaimer-p a { color: var(--red); text-decoration: none; }
.disclaimer-p a:hover { color: #a0001e; text-decoration: underline; }

.disclaimer-code {
    font-size: 13px;
    color: #999;
    margin-top: 12px;
    letter-spacing: 0.3px;
}


/* ─────────────────────────────────────────────────────────────
   12. FOOTER
───────────────────────────────────────────────────────────── */
.site-footer {
    background: var(--navy);
    padding: 26px 0;
}
.footer-copy {
    font-size: 15px;
    font-weight: 700;
    color: #fff;
    margin: 0;
}
.footer-nav a {
    font-size: 15px;
    color: rgba(255,255,255,0.80);
    text-decoration: none;
}
.footer-nav a:hover { color: #fff; text-decoration: underline; }
.footer-sep { color: rgba(255,255,255,0.35); margin: 0 8px; }


/* ─────────────────────────────────────────────────────────────
   13. RESPONSIVE / MEDIA QUERIES
───────────────────────────────────────────────────────────── */

/* Large tablets and below */
@media (max-width: 1199px) {
    .hero-title { font-size: 44px; }
}

/* Tablets and below (≤991px) */
@media (max-width: 991px) {
    /* Nav: switch to mobile layout */
    .nav-desktop    { display: none; }
    .nav-mobile-bar { display: flex; }
    .nav-toggler    { display: block; }

    /* Hero */
    .hero { padding: 55px 0 130px; min-height: auto; }

    /* Feature cards: reduce hero overlap */
    .feat-cards-wrap { margin-top: -80px; }

    /* About */
    .about-img { height: 360px; }

    /* Why Choose Us */
    .why-left  { padding: 70px 40px; }
    .why-grid  { gap: 44px 32px; }
    .why-photo { min-height: 400px; }
}

/* Desktop and above (≥992px) */
@media (min-width: 992px) {
    /* Force hide mobile nav elements */
    .nav-mobile-bar { display: none !important; }
    .nav-collapse   { display: none !important; }

    /* Why section: align left edge with Bootstrap lg container (960px) */
    .why-left { padding-left: max(20px, calc((100vw - 960px) / 2 + 12px)); }
}

/* XL desktop (≥1200px) */
@media (min-width: 1200px) {
    /* Why section: align with Bootstrap xl container (1140px) */
    .why-left { padding-left: max(20px, calc((100vw - 1140px) / 2 + 12px)); }
}

/* XXL desktop (≥1400px) */
@media (min-width: 1400px) {
    /* Why section: align with Bootstrap xxl container (1320px) */
    .why-left { padding-left: max(20px, calc((100vw - 1320px) / 2 + 12px)); }
}

/* Mobile (≤767px) */
@media (max-width: 767px) {
    .sec-title      { font-size: 28px; }
    .why-h2         { font-size: 30px; }
    .services-title { font-size: 26px; }

    .why-grid  { grid-template-columns: 1fr; gap: 36px; }
    .why-left  { padding: 60px 28px; }

    .about-img    { height: 280px; }
    .service-img  { height: 260px; }

    .feat-cards-wrap { margin-top: -50px; }
    .feat-card       { padding: 36px 24px 30px; }
    .features-row    { padding-bottom: 50px; }

    .about-section { padding: 40px 0 60px; }
    .quote-card    { padding: 20px 18px 16px; }
}

/* Small mobile (≤575px) */
@media (max-width: 575px) {
    .top-bar  { font-size: 11.5px; }
    .hero     { padding: 40px 0 100px; }
    .btn-red  { padding: 13px 28px; font-size: 15px; }
    .feat-cards-wrap { margin-top: -40px; }
}