/* ============================================================
   AFFINITY CHOICE — MAIN STYLESHEET
   Mobile-first • CSS Custom Properties • No framework
   ============================================================ */

:root {
  /* Brand Colors */
  --color-navy:        #123d65;
  --color-blue:        #005695;
  --color-blue-mid:    #0e6cb5;
  --color-blue-light:  #e8f2fb;
  --color-gold:        #cbb56a;
  --color-gold-light:  #f5eed8;
  --color-red:         #c8102e;
  --color-red-hover:   #a80d25;

  /* Neutrals */
  --color-white:       #ffffff;
  --color-off-white:   #f4f7fb;
  --color-gray-100:    #eef1f6;
  --color-gray-200:    #dde3ec;
  --color-gray-400:    #96a7b8;
  --color-gray-600:    #536578;
  --color-gray-800:    #2a3a4a;
  --color-text:        #1a2d3e;

  /* Typography */
  --font-sans: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --fw-regular: 400;
  --fw-medium:  500;
  --fw-semibold: 600;
  --fw-bold:    700;
  --fw-extrabold: 800;

  /* Font Scale */
  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  3rem;

  /* Spacing (4px base) */
  --sp-1:  0.25rem;
  --sp-2:  0.5rem;
  --sp-3:  0.75rem;
  --sp-4:  1rem;
  --sp-5:  1.25rem;
  --sp-6:  1.5rem;
  --sp-8:  2rem;
  --sp-10: 2.5rem;
  --sp-12: 3rem;
  --sp-16: 4rem;
  --sp-20: 5rem;
  --sp-24: 6rem;

  /* Layout */
  --max-w:         1200px;
  --container-px:  1.25rem;
  --nav-h:         56px;

  /* Radii */
  --r-sm:   4px;
  --r-md:   8px;
  --r-lg:   12px;
  --r-xl:   16px;
  --r-2xl:  24px;
  --r-full: 9999px;

  /* Shadows */
  --shadow-sm:  0 1px 3px rgba(0,0,0,.07), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 12px rgba(0,0,0,.08), 0 2px 4px rgba(0,0,0,.04);
  --shadow-lg:  0 10px 30px rgba(0,0,0,.1),  0 4px 8px rgba(0,0,0,.05);
  --shadow-xl:  0 20px 50px rgba(0,0,0,.14), 0 8px 16px rgba(0,0,0,.06);

  /* Transitions */
  --ease-fast: 150ms ease;
  --ease-base: 250ms ease;
  --ease-slow: 400ms ease;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  font-size: var(--text-base);
  color: var(--color-text);
  background: var(--color-white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

h1, h2, h3, h4, h5 {
  font-weight: var(--fw-bold);
  line-height: 1.2;
  color: var(--color-navy);
}

h1 { font-size: clamp(var(--text-3xl), 5vw, var(--text-5xl)); font-weight: var(--fw-extrabold); letter-spacing: -.02em; }
h2 { font-size: clamp(var(--text-2xl), 3vw, var(--text-4xl)); }
h3 { font-size: clamp(var(--text-xl),  2vw, var(--text-2xl)); }
h4 { font-size: var(--text-xl); }

p { line-height: 1.75; }
p + p { margin-top: var(--sp-4); }

/* ============================================================
   LAYOUT HELPERS
   ============================================================ */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: var(--container-px);
}

.section {
  padding-block: var(--sp-16);
}
@media (min-width: 768px)  { .section { padding-block: var(--sp-20); } }
@media (min-width: 1024px) { .section { padding-block: var(--sp-24); } }

.section-eyebrow {
  display: block;
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--color-blue-mid);
  margin-bottom: var(--sp-3);
}

.section-title { margin-bottom: var(--sp-5); }

.section-lead {
  font-size: var(--text-lg);
  color: var(--color-gray-600);
  max-width: 680px;
  margin-bottom: var(--sp-8);
}

.text-center { text-align: center; }
.mx-auto { margin-inline: auto; }

.divider {
  width: 52px;
  height: 4px;
  background: linear-gradient(to right, var(--color-blue), var(--color-gold));
  border-radius: var(--r-full);
  margin-block: var(--sp-4);
}
.divider.center { margin-inline: auto; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  padding: .75rem 1.75rem;
  font-size: var(--text-sm);
  font-weight: var(--fw-bold);
  letter-spacing: .06em;
  text-transform: uppercase;
  border-radius: var(--r-md);
  border: 2px solid transparent;
  transition: all var(--ease-base);
  white-space: nowrap;
  line-height: 1;
}

.btn-primary,
.btn-red {
  background: var(--color-red);
  color: var(--color-white);
  border-color: var(--color-red);
}
.btn-primary:hover, .btn-primary:focus-visible,
.btn-red:hover, .btn-red:focus-visible {
  background: var(--color-red-hover);
  border-color: var(--color-red-hover);
  transform: translateY(-1px);
  box-shadow: 0 6px 16px rgba(200,16,46,.3);
}

.btn-outline-white {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255,255,255,.55);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.85);
}

.btn-blue {
  background: var(--color-blue);
  color: var(--color-white);
  border-color: var(--color-blue);
}
.btn-blue:hover {
  background: var(--color-navy);
  border-color: var(--color-navy);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--color-blue);
  border-color: var(--color-blue);
}
.btn-outline:hover {
  background: var(--color-blue);
  color: var(--color-white);
}

.btn-lg {
  padding: 1rem 2.5rem;
  font-size: var(--text-base);
}

/* ============================================================
   NAVIGATION
   ============================================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-gray-200);
  height: var(--nav-h);
  transition: box-shadow var(--ease-base);
}
.site-header.scrolled { box-shadow: var(--shadow-md); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-h);
  gap: var(--sp-4);
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  flex-shrink: 0;
}
.nav-logo { height: 32px; width: auto; }

.nav-tagline {
  display: none;
  font-size: var(--text-xs);
  color: var(--color-gray-600);
  font-style: italic;
  padding-left: var(--sp-3);
  border-left: 1px solid var(--color-gray-200);
  line-height: 1.4;
}
@media (min-width: 1024px) { .nav-tagline { display: block; } }

.nav-links {
  display: none;
  align-items: center;
  gap: var(--sp-1);
  flex: 1;
  justify-content: center;
}
@media (min-width: 820px) { .nav-links { display: flex; } }

.nav-link {
  display: flex;
  align-items: center;
  gap: 3px;
  padding: var(--sp-2) var(--sp-3);
  font-size: var(--text-sm);
  font-weight: var(--fw-semibold);
  color: var(--color-navy);
  border-radius: var(--r-sm);
  transition: color var(--ease-fast), background var(--ease-fast);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.is-active { color: var(--color-blue); background: var(--color-off-white); }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-chevron {
  display: inline-block;
  width: 14px;
  height: 14px;
  transition: transform var(--ease-base);
}
.nav-dropdown:hover .nav-dropdown-chevron { transform: rotate(180deg); }

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 200px;
  background: var(--color-white);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--color-gray-200);
  padding: var(--sp-2) 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all var(--ease-base);
  z-index: 100;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}

.nav-dropdown-item {
  display: block;
  padding: var(--sp-2) var(--sp-5);
  font-size: var(--text-sm);
  font-weight: var(--fw-medium);
  color: var(--color-navy);
  transition: color var(--ease-fast), background var(--ease-fast);
}
.nav-dropdown-item:hover { color: var(--color-blue); background: var(--color-off-white); }

.nav-actions { display: flex; align-items: center; gap: var(--sp-3); flex-shrink: 0; }

/* Hamburger */
.nav-hamburger {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  color: var(--color-navy);
  border-radius: var(--r-sm);
  transition: background var(--ease-fast);
}
.nav-hamburger:hover { background: var(--color-gray-100); }
@media (min-width: 820px) { .nav-hamburger { display: none; } }

.ham-box {
  display: flex;
  flex-direction: column;
  gap: 5px;
  width: 22px;
}
.ham-box span {
  display: block; height: 2px;
  background: currentColor;
  border-radius: 2px;
  transition: all var(--ease-base);
  transform-origin: center;
}
.nav-hamburger.is-open .ham-box span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.is-open .ham-box span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-hamburger.is-open .ham-box span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  position: fixed;
  top: var(--nav-h); left: 0; right: 0;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-lg);
  z-index: 999;
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--ease-slow), opacity var(--ease-base);
  opacity: 0;
}
.mobile-nav.is-open { max-height: 520px; opacity: 1; }
@media (min-width: 820px) { .mobile-nav { display: none !important; } }

.mobile-nav-inner { padding: var(--sp-4) var(--container-px) var(--sp-6); }

.mobile-nav-link {
  display: block;
  padding: var(--sp-3) 0;
  font-size: var(--text-base);
  font-weight: var(--fw-semibold);
  color: var(--color-navy);
  border-bottom: 1px solid var(--color-gray-100);
}
.mobile-nav-link:hover { color: var(--color-blue); }

.mobile-nav-sub { padding-left: var(--sp-4); }
.mobile-nav-sub .mobile-nav-link {
  font-size: var(--text-sm);
  font-weight: var(--fw-regular);
  color: var(--color-gray-600);
}

.mobile-nav-cta { padding-top: var(--sp-5); display: flex; flex-direction: column; gap: var(--sp-3); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  background: var(--color-navy);
  padding-top: var(--nav-h);
  overflow: hidden;
}

/* Full-width background photo */
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  display: block;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(10, 30, 55, 0.82) 0%,
    rgba(10, 40, 70, 0.70) 50%,
    rgba(10, 30, 55, 0.50) 100%
  );
}

/* Geometric overlay shapes */
.hero-shape {
  position: absolute;
  pointer-events: none;
}
.hero-shape-1 {
  top: -15%;
  right: -8%;
  width: 55%;
  height: 130%;
  background: rgba(255,255,255,.025);
  transform: skewX(-14deg);
}
.hero-shape-2 {
  bottom: -20%;
  left: -5%;
  width: 45%;
  height: 60%;
  background: rgba(14,108,181,.18);
  border-radius: 50%;
  filter: blur(60px);
}
.hero-shape-3 {
  top: 10%;
  right: 5%;
  width: 30%;
  height: 50%;
  background: rgba(203,181,106,.06);
  border-radius: 50%;
  filter: blur(40px);
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  padding-block: var(--sp-20) var(--sp-24);
}

.hero-content {
  text-align: center;
  max-width: 780px;
  margin-inline: auto;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: var(--sp-5);
}
.hero-eyebrow::before, .hero-eyebrow::after {
  content: '';
  display: block;
  width: 28px; height: 1px;
  background: var(--color-gold);
  opacity: .5;
}

.hero-title {
  color: var(--color-white);
  margin-bottom: var(--sp-5);
}
.hero-title span { color: var(--color-gold); }

.hero-subtitle {
  font-size: clamp(var(--text-base), 2vw, var(--text-xl));
  color: rgba(255,255,255,.80);
  margin-bottom: var(--sp-10);
  font-weight: var(--fw-medium);
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-4);
  justify-content: center;
  align-items: center;
  margin-bottom: var(--sp-12);
}

/* Video button */
.btn-video {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-3);
  color: var(--color-white);
  font-size: var(--text-sm);
  font-weight: var(--fw-semibold);
  letter-spacing: .04em;
  padding: var(--sp-3) var(--sp-5) var(--sp-3) var(--sp-3);
  border-radius: var(--r-full);
  border: 2px solid rgba(255,255,255,.35);
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(6px);
  transition: all var(--ease-base);
}
.btn-video:hover {
  background: rgba(255,255,255,.18);
  border-color: rgba(255,255,255,.7);
}
.btn-video-play {
  width: 38px; height: 38px;
  border-radius: var(--r-full);
  background: var(--color-white);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.btn-video-play svg { fill: var(--color-navy); margin-left: 2px; }

/* Hero benefit pills */
.hero-pills {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--sp-3);
}
.hero-pill {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-full);
  padding: var(--sp-2) var(--sp-4);
  font-size: var(--text-sm);
  font-weight: var(--fw-medium);
  color: rgba(255,255,255,.85);
  transition: all var(--ease-base);
  cursor: pointer;
}
.hero-pill:hover {
  background: rgba(255,255,255,.15);
  border-color: rgba(255,255,255,.35);
  color: var(--color-white);
}
.hero-pill svg { width: 18px; height: 18px; color: var(--color-gold); }

/* Scroll cue */
.hero-scroll-cue {
  position: absolute;
  bottom: var(--sp-8);
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--sp-2);
  color: rgba(255,255,255,.3);
}
.hero-scroll-cue span { font-size: var(--text-xs); letter-spacing: .1em; text-transform: uppercase; }
.scroll-arrow { animation: scrollBounce 2.2s ease-in-out infinite; }
@keyframes scrollBounce {
  0%, 100% { transform: translateY(0); opacity: .3; }
  50%       { transform: translateY(8px); opacity: .7; }
}

/* ============================================================
   BENEFITS ICON BAR
   ============================================================ */
.benefits-bar {
  display: none;
  background: var(--color-white);
  border-bottom: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: var(--nav-h);
  z-index: 100;
}
@media (min-width: 640px) { .benefits-bar { display: block; } }

.benefits-bar-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
}
@media (min-width: 480px) { .benefits-bar-grid { grid-template-columns: repeat(4, 1fr); } }

.benefit-tab {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  padding: var(--sp-4) var(--sp-3);
  color: var(--color-navy);
  border-right: 1px solid var(--color-gray-200);
  border-bottom: 3px solid transparent;
  transition: all var(--ease-base);
  cursor: pointer;
}
.benefit-tab:last-child { border-right: none; }
.benefit-tab:hover, .benefit-tab.is-active {
  color: var(--color-blue);
  background: var(--color-blue-light);
  border-bottom-color: var(--color-blue);
}
@media (min-width: 480px) {
  .benefit-tab:nth-child(2) { border-right: 1px solid var(--color-gray-200); }
}

.benefit-tab-icon { width: 34px; height: 34px; }
.benefit-tab-label { font-size: var(--text-xs); font-weight: var(--fw-bold); text-align: center; line-height: 1.2; }

/* Mobile: icons only — hide labels, enlarge icons, tighten padding */
@media (max-width: 479px) {
  .benefit-tab { padding: var(--sp-4) var(--sp-2); }
  .benefit-tab-label { display: none; }
  .benefit-tab-icon { width: 28px; height: 28px; }
}

/* ============================================================
   BENEFIT CARDS
   ============================================================ */
.benefits-section { background: var(--color-off-white); }

.benefits-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-5);
  margin-top: var(--sp-10);
}
@media (min-width: 580px)  { .benefits-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .benefits-grid { grid-template-columns: repeat(4, 1fr); } }

.benefit-card {
  background: var(--color-white);
  border-radius: var(--r-xl);
  padding: var(--sp-8);
  border: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: all var(--ease-base);
}
.benefit-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: rgba(14,108,181,.4);
}

.benefit-card-icon {
  width: 64px; height: 64px;
  color: var(--color-blue);
  margin-bottom: var(--sp-5);
}

.benefit-card-title { font-size: var(--text-xl); margin-bottom: var(--sp-3); }

.benefit-card-desc {
  font-size: var(--text-sm);
  color: var(--color-gray-600);
  line-height: 1.75;
  flex: 1;
  margin-bottom: var(--sp-6);
}

.benefit-card-cta {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-1);
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--color-red);
  transition: gap var(--ease-fast), color var(--ease-fast);
  background: none;
  border: none;
  padding: 0;
  cursor: pointer;
  align-self: flex-start;
}
.benefit-card-cta:hover { color: var(--color-red-hover); gap: var(--sp-2); }
.benefit-card-cta svg { width: 14px; height: 14px; }

/* ============================================================
   CHOICE SECTION
   ============================================================ */
.choice-section { background: var(--color-white); }

.choice-header { max-width: 640px; }

.choice-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-6);
  margin-top: var(--sp-10);
}
@media (min-width: 768px) { .choice-grid { grid-template-columns: repeat(2, 1fr); } }

.choice-card {
  border-radius: var(--r-xl);
  padding: var(--sp-8);
  border: 2px solid;
}
.choice-card.employer {
  border-color: var(--color-blue);
  background: linear-gradient(135deg, rgba(0,86,149,.03), rgba(0,86,149,.07));
}
.choice-card.employee {
  border-color: var(--color-gold);
  background: linear-gradient(135deg, rgba(203,181,106,.05), rgba(203,181,106,.1));
}

.choice-badge {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  letter-spacing: .1em;
  text-transform: uppercase;
  padding: var(--sp-1) var(--sp-3);
  border-radius: var(--r-full);
  margin-bottom: var(--sp-4);
}
.employer .choice-badge { background: var(--color-blue); color: var(--color-white); }
.employee .choice-badge { background: var(--color-gold); color: var(--color-navy); }

.choice-card-title { font-size: var(--text-xl); margin-bottom: var(--sp-5); }

.choice-list { display: flex; flex-direction: column; gap: var(--sp-3); }
.choice-item {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  font-size: var(--text-sm);
  color: var(--color-gray-600);
  line-height: 1.6;
}
.choice-dot {
  width: 20px; height: 20px;
  border-radius: var(--r-full);
  flex-shrink: 0;
  margin-top: 1px;
  display: flex; align-items: center; justify-content: center;
}
.employer .choice-dot { background: var(--color-blue); }
.employee .choice-dot { background: var(--color-gold); }
.choice-dot svg { width: 10px; height: 10px; color: white; }

/* ============================================================
   DEFINED CONTRIBUTION
   ============================================================ */
.contribution-section {
  background: linear-gradient(150deg, var(--color-navy) 0%, #0a4d78 100%);
  color: var(--color-white);
}
.contribution-section h2,
.contribution-section h3,
.contribution-section h4 { color: var(--color-white); }
.contribution-section .section-eyebrow { color: var(--color-gold); }

.contribution-inner { max-width: 920px; margin-inline: auto; text-align: center; }
.contribution-inner p { color: rgba(255,255,255,.82); font-size: var(--text-lg); }

.contribution-callout-row {
  margin-top: var(--sp-10);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--sp-8);
}
@media (min-width: 768px) {
  .contribution-callout-row {
    flex-direction: row;
    align-items: center;
    gap: var(--sp-10);
  }
  .contribution-callout-row .contribution-callout { text-align: left; flex: 1; margin-top: 0; }
}

.contribution-callout {
  padding: var(--sp-8);
  border-radius: var(--r-xl);
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15);
  font-size: var(--text-xl);
  font-weight: var(--fw-semibold);
  font-style: italic;
  color: var(--color-gold);
  line-height: 1.55;
}

.contribution-giftcard {
  flex-shrink: 0;
  width: 220px;
  border-radius: var(--r-xl);
  filter: drop-shadow(0 12px 30px rgba(0,0,0,.4));
  transition: transform var(--ease-slow);
}
.contribution-giftcard:hover { transform: rotate(-2deg) scale(1.04); }

/* ============================================================
   REQUIREMENTS
   ============================================================ */
.requirements-section { background: var(--color-off-white); }

.requirements-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-4);
  margin-top: var(--sp-10);
}
@media (min-width: 600px)  { .requirements-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .requirements-grid { grid-template-columns: repeat(3, 1fr); } }

.req-card {
  background: var(--color-white);
  border-radius: var(--r-lg);
  padding: var(--sp-6);
  border: 1px solid var(--color-gray-200);
  display: flex;
  gap: var(--sp-4);
  transition: all var(--ease-base);
}
.req-card:hover { box-shadow: var(--shadow-md); border-color: rgba(14,108,181,.35); }

.req-icon {
  width: 48px; height: 48px;
  border-radius: var(--r-md);
  background: var(--color-blue-light);
  color: var(--color-blue);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.req-icon svg { width: 22px; height: 22px; }

.req-title {
  font-size: var(--text-base);
  font-weight: var(--fw-bold);
  color: var(--color-navy);
  margin-bottom: var(--sp-2);
  line-height: 1.35;
}
.req-desc {
  font-size: var(--text-sm);
  color: var(--color-gray-600);
  line-height: 1.6;
  margin-bottom: 0;
}
.req-link {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--color-red);
  margin-top: var(--sp-2);
  cursor: pointer;
  background: none;
  border: none;
  padding: 0;
}

/* ============================================================
   ENROLLMENT CTA
   ============================================================ */
.enrollment-section { background: var(--color-white); }

.enrollment-card {
  border-radius: var(--r-2xl);
  color: var(--color-white);
  max-width: 1000px;
  margin-inline: auto;
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) {
  .enrollment-card { grid-template-columns: 1fr 1fr; }
}

.enrollment-card-photo {
  display: none;
  position: relative;
  min-height: 340px;
}
@media (min-width: 768px) { .enrollment-card-photo { display: block; } }
.enrollment-card-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
  border-radius: var(--r-2xl) 0 0 var(--r-2xl);
}

.enrollment-card-body {
  background: linear-gradient(135deg, var(--color-blue) 0%, var(--color-navy) 100%);
  padding: var(--sp-12) var(--sp-8);
  text-align: center;
  position: relative;
  overflow: hidden;
  border-radius: var(--r-2xl);
}
@media (min-width: 768px) {
  .enrollment-card-body {
    border-radius: 0 var(--r-2xl) var(--r-2xl) 0;
    text-align: left;
    display: flex;
    flex-direction: column;
    justify-content: center;
  }
}
.enrollment-card-body::before {
  content: '';
  position: absolute;
  top: -30%; right: -10%;
  width: 50%; height: 160%;
  background: rgba(255,255,255,.05);
  transform: skewX(-14deg);
  pointer-events: none;
}
.enrollment-card h2, .enrollment-card h3 { color: var(--color-white); position: relative; }
.enrollment-card p { color: rgba(255,255,255,.82); font-size: var(--text-lg); position: relative; }

/* ============================================================
   SECTION 125
   ============================================================ */
.section125 { background: var(--color-off-white); }

.section125-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-10);
  align-items: center;
}
@media (min-width: 768px) { .section125-grid { grid-template-columns: 1fr 1fr; } }

.savings-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-4);
  margin-top: var(--sp-6);
}
.savings-stat {
  background: var(--color-white);
  border-radius: var(--r-lg);
  padding: var(--sp-5);
  text-align: center;
  border: 1px solid var(--color-gray-200);
}
.savings-stat-value {
  font-size: var(--text-4xl);
  font-weight: var(--fw-extrabold);
  color: var(--color-blue);
  line-height: 1;
  margin-bottom: var(--sp-2);
}
.savings-stat-label {
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--color-gray-600);
}

/* ============================================================
   ICHRA
   ============================================================ */
.ichra-section { background: var(--color-white); }

.ichra-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-10);
  align-items: start;
}
@media (min-width: 768px)  { .ichra-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .ichra-grid { grid-template-columns: 1fr 1fr 380px; align-items: stretch; } }

/* ICHRA side photo */
.ichra-photo {
  display: none;
  border-radius: var(--r-2xl);
  overflow: hidden;
  /* Match first column height — don't stretch to full grid */
  align-self: start;
  height: 520px;
}
@media (min-width: 1024px) { .ichra-photo { display: block; } }
.ichra-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  /* Crop to the bottom — shows woman on laptop */
  object-position: center bottom;
  display: block;
}

.ichra-acronym {
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
  margin-block: var(--sp-6);
}
.ichra-row {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  font-size: var(--text-base);
}
.ichra-char {
  width: 38px; height: 38px;
  background: var(--color-navy);
  color: var(--color-white);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-weight: var(--fw-extrabold);
  font-size: var(--text-lg);
  flex-shrink: 0;
}
.ichra-word strong { color: var(--color-navy); }
.ichra-word { color: var(--color-gray-600); font-size: var(--text-sm); }

.ichra-vs-box {
  background: var(--color-off-white);
  border-radius: var(--r-xl);
  padding: var(--sp-6);
  border: 1px solid var(--color-gray-200);
}
.ichra-vs-box h4 { margin-bottom: var(--sp-4); }
.ichra-compare {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-4);
}
.ichra-compare-col h5 {
  font-size: var(--text-sm);
  font-weight: var(--fw-bold);
  margin-bottom: var(--sp-3);
  padding-bottom: var(--sp-2);
  border-bottom: 2px solid var(--color-gray-200);
}
.ichra-compare-col.good h5 { color: var(--color-blue); border-color: var(--color-blue); }
.ichra-compare-col.old h5 { color: var(--color-gray-600); }

.ichra-compare-list { display: flex; flex-direction: column; gap: var(--sp-2); }
.ichra-compare-item {
  font-size: var(--text-xs);
  color: var(--color-gray-600);
  display: flex; align-items: flex-start; gap: var(--sp-2); line-height: 1.5;
}
.ichra-compare-item::before {
  content: '';
  width: 5px; height: 5px;
  border-radius: var(--r-full);
  flex-shrink: 0;
  margin-top: 5px;
}
.good .ichra-compare-item::before { background: var(--color-blue); }
.old  .ichra-compare-item::before { background: var(--color-gray-400); }

/* ============================================================
   SIMPLE & EASY
   ============================================================ */
.simple-section {
  background: linear-gradient(150deg, var(--color-navy) 0%, #0a4d78 100%);
  color: var(--color-white);
}
.simple-section h2, .simple-section h3, .simple-section h4 { color: var(--color-white); }
.simple-section .section-eyebrow { color: var(--color-gold); }

.simple-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-10);
  align-items: center;
  margin-top: var(--sp-8);
}
@media (min-width: 768px) { .simple-grid { grid-template-columns: 1fr 1fr; } }

.simple-features { display: flex; flex-direction: column; gap: var(--sp-4); }

.simple-feature {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-4);
  padding: var(--sp-4);
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-md);
}
.simple-feature-icon { width: 40px; height: 40px; color: var(--color-gold); flex-shrink: 0; }
.simple-feature-title {
  font-size: var(--text-base);
  font-weight: var(--fw-bold);
  color: var(--color-white);
  margin-bottom: var(--sp-1);
}
.simple-feature-desc { font-size: var(--text-sm); color: rgba(255,255,255,.65); }

.simple-cta-box {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--r-2xl);
  padding: var(--sp-10) var(--sp-8);
  text-align: center;
}
.simple-cta-box h3 { font-size: var(--text-2xl); margin-bottom: var(--sp-4); }
.simple-cta-box p { color: rgba(255,255,255,.75); margin-bottom: var(--sp-6); }
.simple-cta-box p:last-of-type { font-size: var(--text-sm); font-style: italic; margin-bottom: 0; margin-top: var(--sp-5); }

/* ============================================================
   STATES STRIP
   ============================================================ */
.states-strip {
  background: var(--color-blue-light);
  border-top: 1px solid var(--color-gray-200);
  border-bottom: 1px solid var(--color-gray-200);
  padding: var(--sp-3) 0;
  text-align: center;
}
.states-strip p {
  font-size: var(--text-sm);
  font-weight: var(--fw-semibold);
  color: var(--color-navy);
  margin: 0;
}
.states-strip strong { color: var(--color-blue); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--color-navy); }

.footer-main { padding-block: var(--sp-16) var(--sp-10); }

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-10);
}
@media (min-width: 580px)  { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.footer-logo { height: 34px; width: auto; margin-bottom: var(--sp-4); }
.footer-tagline { font-size: var(--text-sm); font-style: italic; color: rgba(255,255,255,.5); margin-bottom: 0; }

.footer-col-title {
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--color-white);
  margin-bottom: var(--sp-4);
}
.footer-links { display: flex; flex-direction: column; gap: var(--sp-2); }
.footer-link {
  font-size: var(--text-sm);
  color: rgba(255,255,255,.55);
  transition: color var(--ease-fast);
  display: block;
}
.footer-link:hover { color: var(--color-white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: var(--sp-5) 0;
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
  text-align: center;
  font-size: var(--text-xs);
  color: rgba(255,255,255,.35);
}
@media (min-width: 640px) {
  .footer-bottom { flex-direction: row; justify-content: space-between; text-align: left; }
}

/* ============================================================
   MODALS
   ============================================================ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.6);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--sp-4);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--ease-base), visibility var(--ease-base);
  backdrop-filter: blur(4px);
}
.modal-overlay.is-open { opacity: 1; visibility: visible; }

.modal {
  background: var(--color-white);
  border-radius: var(--r-2xl);
  max-width: 600px;
  width: 100%;
  max-height: 90dvh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  transform: translateY(16px) scale(.98);
  transition: transform var(--ease-base);
  position: relative;
}
.modal-overlay.is-open .modal { transform: translateY(0) scale(1); }

.modal-header {
  padding: var(--sp-6) var(--sp-8) var(--sp-5);
  border-bottom: 1px solid var(--color-gray-200);
  display: flex;
  align-items: center;
  gap: var(--sp-4);
}
.modal-header-icon { width: 44px; height: 44px; color: var(--color-blue); flex-shrink: 0; }
.modal-title { font-size: var(--text-xl); color: var(--color-navy); margin: 0; }

.modal-close {
  position: absolute;
  top: var(--sp-4); right: var(--sp-4);
  width: 34px; height: 34px;
  border-radius: var(--r-full);
  background: var(--color-gray-100);
  color: var(--color-gray-600);
  display: flex; align-items: center; justify-content: center;
  transition: all var(--ease-fast);
}
.modal-close:hover { background: var(--color-gray-200); color: var(--color-navy); }
.modal-close svg { width: 16px; height: 16px; }

.modal-body { padding: var(--sp-6) var(--sp-8) var(--sp-8); }

.modal-section-label {
  font-size: var(--text-xs);
  font-weight: var(--fw-bold);
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--color-gray-400);
  margin-bottom: var(--sp-3);
}
.modal-section-group { margin-bottom: var(--sp-6); }
.modal-section-group:last-child { margin-bottom: 0; }

.modal-group-title {
  font-size: var(--text-sm);
  font-weight: var(--fw-bold);
  color: var(--color-navy);
  margin-bottom: var(--sp-3);
  padding-bottom: var(--sp-2);
  border-bottom: 2px solid var(--color-gray-100);
}

.modal-list { display: flex; flex-direction: column; gap: var(--sp-2); }
.modal-list-item {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  font-size: var(--text-sm);
  color: var(--color-gray-800);
  line-height: 1.6;
}
.modal-list-item::before {
  content: '';
  width: 7px; height: 7px;
  background: var(--color-blue);
  border-radius: var(--r-full);
  flex-shrink: 0;
  margin-top: 7px;
}

/* Video Modal */
.modal-video { max-width: 820px; background: #000; border-radius: var(--r-xl); }
.modal-video .modal-close {
  background: rgba(255,255,255,.2);
  color: var(--color-white);
  z-index: 2;
}
.modal-video .modal-close:hover { background: rgba(255,255,255,.35); }
.video-wrapper { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; border-radius: var(--r-xl); }
.video-wrapper iframe { position: absolute; top: 0; left: 0; width: 100%; height: 100%; border: none; }

/* Form Modal */
.modal-form-inner { padding: var(--sp-6) var(--sp-8) var(--sp-8); }

.form-group { margin-bottom: var(--sp-5); }
.form-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: var(--fw-semibold);
  color: var(--color-navy);
  margin-bottom: var(--sp-2);
}
.form-input {
  width: 100%;
  padding: var(--sp-3) var(--sp-4);
  border: 1.5px solid var(--color-gray-200);
  border-radius: var(--r-md);
  font-size: var(--text-base);
  color: var(--color-text);
  background: var(--color-white);
  transition: border-color var(--ease-fast), box-shadow var(--ease-fast);
}
.form-input:focus {
  outline: none;
  border-color: var(--color-blue-mid);
  box-shadow: 0 0 0 3px rgba(14,108,181,.15);
}
.form-input::placeholder { color: var(--color-gray-400); }
.form-submit { width: 100%; margin-top: var(--sp-2); }

/* Industries list */
.industries-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--sp-2);
}
.industry-item {
  font-size: var(--text-sm);
  color: var(--color-gray-800);
  padding: var(--sp-2) var(--sp-3);
  background: var(--color-gray-100);
  border-radius: var(--r-sm);
}

/* ============================================================
   ACCESSIBILITY & UTILITIES
   ============================================================ */
:focus-visible { outline: 2px solid var(--color-blue-mid); outline-offset: 2px; }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
  }
}

@media print {
  .site-header, .modal-overlay, .mobile-nav, .hero-scroll-cue { display: none !important; }
}

/* ============================================================
   COOKIE CONSENT BANNER
   ============================================================ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 3000;
  background: var(--color-navy);
  color: rgba(255,255,255,.85);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: var(--sp-4) 0;
  transform: translateY(0);
  transition: transform var(--ease-slow);
  box-shadow: 0 -4px 20px rgba(0,0,0,.25);
}
.cookie-banner.is-hidden {
  transform: translateY(110%);
}
.cookie-banner-inner {
  display: flex;
  flex-direction: column;
  gap: var(--sp-4);
  align-items: flex-start;
}
@media (min-width: 640px) {
  .cookie-banner-inner {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    gap: var(--sp-6);
  }
}
.cookie-banner-text {
  font-size: var(--text-sm);
  line-height: 1.6;
  flex: 1;
}
.cookie-banner-text a {
  color: var(--color-gold);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.cookie-banner-text a:hover { color: var(--color-white); }
.cookie-banner-actions {
  display: flex;
  gap: var(--sp-3);
  flex-shrink: 0;
  flex-wrap: wrap;
}
.cookie-btn-accept {
  background: var(--color-red);
  color: var(--color-white);
  border: none;
  border-radius: var(--r-md);
  padding: var(--sp-2) var(--sp-5);
  font-size: var(--text-sm);
  font-weight: var(--fw-bold);
  cursor: pointer;
  transition: background var(--ease-fast);
}
.cookie-btn-accept:hover { background: var(--color-red-hover); }
.cookie-btn-decline {
  background: transparent;
  color: rgba(255,255,255,.6);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: var(--r-md);
  padding: var(--sp-2) var(--sp-5);
  font-size: var(--text-sm);
  font-weight: var(--fw-medium);
  cursor: pointer;
  transition: all var(--ease-fast);
}
.cookie-btn-decline:hover { color: var(--color-white); border-color: rgba(255,255,255,.5); }