@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,500;9..144,600&family=Manrope:wght@500;600;700;800&display=swap');

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: linear-gradient(180deg, #F8FBFE 0%, #EDF4FB 100%);
  font-family: 'Manrope', sans-serif;
  color: #14243A;
}
a { text-decoration: none; color: inherit; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ---- Nav ---- */
nav {
  display: flex; align-items: center; justify-content: space-between;
  padding: 22px 24px; max-width: 1180px; margin: 0 auto;
}
.logo { font-family: 'Fraunces', serif; font-weight: 600; font-size: 21px; color: #123A66; letter-spacing: -0.01em; cursor: pointer; }
.logo span { color: #2E74C9; }
.navlinks { display: flex; align-items: center; gap: 28px; font-size: 14px; font-weight: 600; color: #4C5D70; }
.navlinks a:hover { color: #2E74C9; }
.nav-highlight {
  background: #E4EFFB; color: #2E74C9; font-weight: 800;
  padding: 7px 14px; border-radius: 20px; transition: all .15s ease;
}
.nav-highlight:hover { background: #2E74C9; color: #fff; }
.mobile-menu .nav-highlight { display: inline-block; background: #E4EFFB; color: #2E74C9; font-weight: 800; padding: 8px 14px; border-radius: 20px; border-top: none; margin: 6px 0; }
.nav-right { display: flex; align-items: center; gap: 16px; }

.lang-toggle {
  position: relative; width: 58px; height: 30px; background: #DCE8F5;
  border-radius: 20px; cursor: pointer; border: none; padding: 0; flex-shrink: 0;
}
.lang-toggle .knob {
  position: absolute; top: 3px; left: 3px; width: 24px; height: 24px;
  background: #2E74C9; border-radius: 50%; color: #fff; font-size: 8.5px; letter-spacing: -0.02em;
  font-weight: 800; display: flex; align-items: center; justify-content: center;
  transition: left .25s cubic-bezier(.4,0,.2,1);
}
html[data-lang="es"] .lang-toggle .knob { left: 31px; }

.nav-cta {
  background: #123A66; color: #fff; font-size: 13.5px; font-weight: 700;
  padding: 10px 20px; border-radius: 9px; border: none; cursor: pointer;
}
.hamburger { display: none; flex-direction: column; gap: 4px; background: none; border: none; cursor: pointer; padding: 6px; }
.hamburger span { width: 20px; height: 2px; background: #123A66; border-radius: 2px; }
.mobile-menu { display: none; flex-direction: column; gap: 4px; padding: 0 24px 18px; }
.mobile-menu a, .mobile-menu span { font-size: 14px; font-weight: 600; color: #34495F; padding: 10px 0; border-top: 1px solid #E1EAF3; }

@media (max-width: 780px) {
  .navlinks { display: none; }
  .hamburger { display: flex; }
  .mobile-menu.open { display: flex; }
}

/* ---- Hero ---- */
.hero {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 50px; align-items: center;
  max-width: 1180px; margin: 40px auto 100px; padding: 0 24px;
}
@media (max-width: 860px) {
  .hero { grid-template-columns: 1fr; margin-bottom: 60px; }
  .visual { height: 300px; margin-top: 10px; }
  .photo-card { width: 200px; height: 260px; top: 0; left: 50%; right: auto; transform: translateX(-50%); }
  .blob-a { width: 190px; height: 190px; top: -10px; left: 50%; right: auto; transform: translateX(-20%); }
  .blob-b { width: 130px; height: 130px; bottom: 10px; left: 50%; transform: translateX(-90%); }
  .floating-card { width: 170px; padding: 10px 12px; left: 10px; bottom: -10px; }
}

.eyebrow {
  display: inline-flex; align-items: center; gap: 7px;
  background: #E4EFFB; color: #2E74C9; font-size: 12px; font-weight: 700;
  letter-spacing: 0.05em; text-transform: uppercase; padding: 7px 14px; border-radius: 20px;
}
h1.headline {
  font-family: 'Fraunces', serif; font-weight: 600; font-size: 45px; line-height: 1.14;
  color: #123A66; letter-spacing: -0.01em; max-width: 520px; margin-top: 20px;
}
h1.headline .accent { color: #2E74C9; }
.hero .sub { color: #4C5D70; font-size: 16px; line-height: 1.65; max-width: 460px; margin-top: 16px; }

.cta-row { display: flex; align-items: center; gap: 18px; margin-top: 28px; flex-wrap: wrap; }
.cta-primary {
  background: #2E74C9; color: #fff; font-size: 14.5px; font-weight: 700;
  padding: 15px 26px; border-radius: 10px; border: none; cursor: pointer;
  box-shadow: 0 10px 24px rgba(46,116,201,0.28);
  transition: transform .15s ease, box-shadow .15s ease;
}
.cta-primary:hover { transform: translateY(-2px); box-shadow: 0 14px 28px rgba(46,116,201,0.34); }
.cta-secondary { font-size: 14px; font-weight: 700; color: #123A66; }

.trust-strip { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 34px; }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 700; color: #34495F; }

.visual { position: relative; height: 460px; }
.blob { position: absolute; border-radius: 42% 58% 63% 37% / 41% 44% 56% 59%; animation: float 8s ease-in-out infinite; }
.blob-a { width: 320px; height: 320px; background: #CFE3F7; top: 10px; right: 20px; }
.blob-b { width: 220px; height: 220px; background: #9EC3EA; bottom: 20px; left: 10px; opacity: .7; animation-delay: -3s; }
@keyframes float { 0%,100% { transform: translateY(0) scale(1); } 50% { transform: translateY(-14px) scale(1.03); } }

.photo-card {
  position: absolute; top: 40px; right: 40px; width: 280px; height: 360px;
  background: #fff; border-radius: 22px; box-shadow: 0 24px 60px rgba(18,58,102,0.16);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; color: #A9B7C6;
  overflow: hidden;
}
.photo-card img { width: 100%; height: 100%; object-fit: cover; }
.photo-card span { font-size: 12.5px; font-weight: 700; }

.floating-card {
  position: absolute; bottom: 30px; left: 0; width: 210px; background: #fff; border-radius: 14px;
  padding: 14px 16px; box-shadow: 0 16px 34px rgba(18,58,102,0.14);
  display: flex; align-items: center; gap: 11px; transform: rotate(-3deg);
}
.floating-card .fc-icon { width: 34px; height: 34px; border-radius: 9px; background: #E4EFFB; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.floating-card .fc-text { font-size: 12px; font-weight: 700; color: #14243A; line-height: 1.3; }
.floating-card .fc-sub { font-size: 11px; color: #7A8A9A; font-weight: 600; }

/* ---- Section shared ---- */
section { max-width: 1180px; margin: 0 auto; padding: 80px 24px; }
.section-head { text-align: center; max-width: 620px; margin: 0 auto 50px; }
.section-eyebrow { color: #2E74C9; font-size: 12.5px; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; }
.section-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 32px; color: #123A66; margin-top: 10px; }
.section-sub { color: #5C7085; font-size: 15px; margin-top: 12px; line-height: 1.6; }

/* ---- Services ---- */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 860px) { .services-grid { grid-template-columns: 1fr; } }
.service-card {
  background: #fff; border-radius: 18px; padding: 30px 26px; box-shadow: 0 10px 30px rgba(18,58,102,0.06);
  border: 1px solid #E7EFF7; transition: transform .18s ease, box-shadow .18s ease;
}
.service-card:hover { transform: translateY(-4px); box-shadow: 0 18px 40px rgba(18,58,102,0.11); }
.service-icon { width: 46px; height: 46px; border-radius: 12px; background: #E4EFFB; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.service-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 19px; color: #123A66; }
.service-desc { color: #5C7085; font-size: 14px; line-height: 1.6; margin-top: 10px; }
.service-link { display: inline-block; margin-top: 16px; color: #2E74C9; font-size: 13.5px; font-weight: 700; }

/* ---- About ---- */
.about-grid { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 54px; align-items: center; }
@media (max-width: 860px) { .about-grid { grid-template-columns: 1fr; } .about-photo { max-width: 260px; margin: 0 auto; } }
.about-photo {
  width: 100%; aspect-ratio: 4/5; background: #fff; border-radius: 20px; box-shadow: 0 18px 44px rgba(18,58,102,0.12);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; color: #A9B7C6;
  overflow: hidden;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-photo span { font-size: 12.5px; font-weight: 700; }
.about-kicker { color: #2E74C9; font-family: 'Fraunces', serif; font-style: italic; font-weight: 500; font-size: 17px; }
.about-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 30px; color: #123A66; margin-top: 6px; }
.about-p { color: #4C5D70; font-size: 15px; line-height: 1.7; margin-top: 16px; }

/* ---- Contact ---- */
.contact-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 46px; }
@media (max-width: 860px) { .contact-wrap { grid-template-columns: 1fr; } }
.contact-info-card { background: #123A66; color: #fff; border-radius: 20px; padding: 36px 32px; }
.contact-info-card h3 { font-family: 'Fraunces', serif; font-weight: 600; font-size: 22px; }
.contact-info-card p { color: #B9CBE0; font-size: 14px; margin-top: 10px; line-height: 1.6; }
.contact-detail { display: flex; align-items: center; gap: 12px; margin-top: 22px; font-size: 14px; font-weight: 600; }
.contact-detail .ci-icon { width: 34px; height: 34px; border-radius: 9px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

.form-field { margin-bottom: 16px; }
.form-field label { display: block; font-size: 12.5px; font-weight: 700; color: #34495F; margin-bottom: 6px; }
.form-field input, .form-field select, .form-field textarea {
  width: 100%; border: 1px solid #D6E2EF; background: #fff; border-radius: 10px;
  padding: 12px 14px; font-size: 14px; font-family: inherit; color: #14243A; outline: none;
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: #2E74C9; }
.form-field textarea { resize: vertical; min-height: 100px; }
.submit-btn {
  background: #2E74C9; color: #fff; font-size: 14.5px; font-weight: 700; padding: 14px 26px;
  border-radius: 10px; border: none; cursor: pointer; width: 100%;
}
.submit-btn:hover { background: #24619C; }
.form-note { font-size: 12px; color: #8A99A8; margin-top: 10px; }
.form-error { font-size: 13px; color: #C0392B; margin-top: 10px; }
.form-success { text-align: center; padding: 30px 10px; }
.form-success-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 22px; color: #123A66; }
.form-success-sub { font-size: 14px; color: #5C7085; margin-top: 10px; }

/* ---- Guide page ---- */
.guide-header { text-align: center; max-width: 680px; margin: 60px auto 20px; padding: 0 24px; }
.guide-header .section-title { font-size: 38px; }
.guide-section { max-width: 820px; margin: 0 auto; padding: 46px 24px; border-top: 1px solid #E1EAF3; }
.guide-section h2 { font-family: 'Fraunces', serif; font-weight: 600; font-size: 24px; color: #123A66; }
.guide-section p { color: #4C5D70; font-size: 15px; line-height: 1.75; margin-top: 14px; }
.addon-list { list-style: none; margin-top: 18px; display: flex; flex-direction: column; gap: 12px; }
.addon-list li { display: flex; gap: 12px; font-size: 14.5px; color: #34495F; align-items: flex-start; }
.addon-list .dot { width: 8px; height: 8px; border-radius: 50%; background: #2E74C9; margin-top: 7px; flex-shrink: 0; }

.fit-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-top: 20px; }
@media (max-width: 860px) { .fit-grid { grid-template-columns: 1fr; } }
.fit-card { background: #fff; border: 1px solid #E7EFF7; border-radius: 16px; padding: 22px 20px; }
.fit-card .fit-q { font-size: 13px; font-weight: 700; color: #2E74C9; }
.fit-card .fit-a { font-family: 'Fraunces', serif; font-weight: 600; font-size: 17px; color: #123A66; margin-top: 8px; }

.guide-cta { text-align: center; padding: 70px 24px 90px; }
.guide-cta .cta-primary { padding: 16px 32px; font-size: 15px; }

/* ---- Footer ---- */
footer { border-top: 1px solid #E1EAF3; padding: 36px 24px; margin-top: 40px; }
.footer-wrap { max-width: 1180px; margin: 0 auto; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 14px; }
.footer-note { font-size: 12px; color: #8A99A8; }
.footer-legal { font-size: 11.5px; color: #A9B7C6; max-width: 560px; margin-top: 6px; line-height: 1.5; }

/* ---- Insurance 101: term cards ---- */
.terms-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 860px) { .terms-grid { grid-template-columns: repeat(2, 1fr); } }
.term-card { background: #fff; border: 1px solid #E7EFF7; border-radius: 16px; padding: 24px 20px; }
.term-icon { width: 40px; height: 40px; border-radius: 10px; background: #E4EFFB; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.term-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 16px; color: #123A66; }
.term-desc { color: #5C7085; font-size: 13px; line-height: 1.55; margin-top: 8px; }

/* ---- Comparison table (HMO vs PPO) ---- */
.compare-table { width: 100%; border-collapse: separate; border-spacing: 0; background: #fff; border-radius: 16px; overflow: hidden; border: 1px solid #E7EFF7; }
.compare-table th, .compare-table td { padding: 14px 18px; text-align: left; font-size: 13.5px; }
.compare-table thead th { background: #F3F8FD; color: #123A66; font-family: 'Fraunces', serif; font-weight: 600; font-size: 15px; }
.compare-table thead th.ppo-col { background: #2E74C9; color: #fff; }
.compare-table tbody td { color: #4C5D70; border-top: 1px solid #EEF3F8; }
.compare-table tbody td.ppo-col { background: #F3F8FD; font-weight: 600; color: #123A66; }
.compare-table tbody td:first-child { font-weight: 700; color: #123A66; }
.compare-table-wrap { overflow-x: auto; }

/* ---- Marketplace vs Private comparison ---- */
.vs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 760px) { .vs-grid { grid-template-columns: 1fr; } }
.vs-card { border-radius: 18px; padding: 28px 24px; }
.vs-card.neutral { background: #fff; border: 1px solid #E7EFF7; }
.vs-card.highlight { background: #123A66; color: #fff; }
.vs-card h3 { font-family: 'Fraunces', serif; font-weight: 600; font-size: 19px; }
.vs-card.neutral h3 { color: #123A66; }
.vs-list { list-style: none; margin-top: 16px; display: flex; flex-direction: column; gap: 11px; }
.vs-list li { font-size: 13.5px; line-height: 1.5; }
.vs-list li strong { display: block; font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.03em; opacity: 0.7; margin-bottom: 2px; }
.vs-card.neutral .vs-list li { color: #4C5D70; }
.vs-card.highlight .vs-list li { color: #DCE8F5; }

/* ---- Payoff (why healthy people pay more) ---- */
.payoff-section { background: linear-gradient(135deg, #F3F8FD, #EAF4F3); border-radius: 20px; padding: 40px 34px; }
.payoff-section h2 { font-family: 'Fraunces', serif; font-weight: 600; font-size: 25px; color: #123A66; }
.payoff-section p { color: #4C5D70; font-size: 15px; line-height: 1.75; margin-top: 14px; }

/* ---- Home page promo card ---- */
.promo-card {
  display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap;
  background: linear-gradient(135deg, #E4EFFB, #F3F8FD); border-radius: 18px; padding: 26px 30px;
  border: 1px solid #D6E6F7; cursor: pointer; transition: transform .15s ease;
}
.promo-card:hover { transform: translateY(-2px); }
.promo-text-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 19px; color: #123A66; }
.promo-text-sub { font-size: 13.5px; color: #4C5D70; margin-top: 4px; }
.promo-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 800; color: #2E74C9; font-size: 14px; white-space: nowrap; }

/* ---- Quiz ---- */
.quiz-card { background: #fff; border-radius: 20px; padding: 34px 30px; box-shadow: 0 18px 44px rgba(18,58,102,0.10); border: 1px solid #E7EFF7; max-width: 620px; margin: 0 auto; }
.quiz-progress { display: flex; justify-content: center; gap: 8px; margin-bottom: 26px; }
.quiz-dot { height: 8px; width: 8px; border-radius: 5px; background: #DCE8F5; transition: all .25s ease; }
.quiz-dot.completed { background: #2E74C9; }
.quiz-dot.active { background: #2E74C9; width: 26px; }
.quiz-question { font-family: 'Fraunces', serif; font-weight: 600; font-size: 21px; color: #123A66; text-align: center; margin-bottom: 22px; }
.quiz-options { display: flex; flex-direction: column; gap: 10px; }
.quiz-option {
  text-align: left; background: #F7FAFD; border: 1.5px solid #E7EFF7; border-radius: 12px;
  padding: 14px 18px; font-size: 14px; font-weight: 600; color: #34495F; cursor: pointer; transition: all .15s ease;
}
.quiz-option:hover { border-color: #2E74C9; background: #EAF3FB; }
.quiz-back { display: block; margin: 18px auto 0; font-size: 12.5px; font-weight: 700; color: #8A99A8; background: none; border: none; cursor: pointer; }
.quiz-skip { text-align: center; margin-top: 14px; }
.quiz-skip a { font-size: 12.5px; color: #8A99A8; font-weight: 600; }
.quiz-result-teaser { text-align: center; font-family: 'Fraunces', serif; font-style: italic; font-size: 16px; color: #123A66; line-height: 1.5; margin-bottom: 22px; }
.quiz-fields { display: flex; flex-direction: column; gap: 12px; }

/* ---- Add-on cards (expanded) ---- */
.addon-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-top: 18px; }
@media (max-width: 760px) { .addon-grid { grid-template-columns: 1fr; } }
.addon-card { background: #fff; border: 1px solid #E7EFF7; border-radius: 16px; padding: 22px 24px; }
.addon-card-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 17px; color: #123A66; margin-bottom: 12px; }

/* ---- 3-Step Process ---- */
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; position: relative; }
@media (max-width: 760px) { .process-grid { grid-template-columns: 1fr; } }
.process-step { text-align: center; position: relative; }
.process-num {
  width: 44px; height: 44px; border-radius: 50%; background: #2E74C9; color: #fff;
  display: flex; align-items: center; justify-content: center; font-family: 'Fraunces', serif;
  font-weight: 600; font-size: 18px; margin: 0 auto 16px;
}
.process-title { font-family: 'Fraunces', serif; font-weight: 600; font-size: 17px; color: #123A66; }
.process-desc { color: #5C7085; font-size: 13.5px; line-height: 1.6; margin-top: 8px; }
.process-line {
  display: none;
}
@media (min-width: 761px) {
  .process-step:not(:last-child)::after {
    content: ''; position: absolute; top: 22px; left: calc(50% + 40px); width: calc(100% - 60px);
    height: 2px; background: #DCE8F5;
  }
}

/* ---- FAQ + Why Choose Us ---- */
.split-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
@media (max-width: 860px) { .split-grid { grid-template-columns: 1fr; } }
.split-heading { font-family: 'Fraunces', serif; font-weight: 600; font-size: 21px; color: #123A66; margin-bottom: 18px; }

.faq-item { border-bottom: 1px solid #E7EFF7; padding: 14px 0; }
.faq-item summary {
  cursor: pointer; font-weight: 700; font-size: 14.5px; color: #123A66;
  list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 12px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+'; font-size: 18px; color: #2E74C9; font-weight: 400; flex-shrink: 0; transition: transform .2s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p { color: #5C7085; font-size: 13.5px; line-height: 1.6; margin-top: 10px; }

.why-list { display: flex; flex-direction: column; gap: 18px; }
.why-item { display: flex; gap: 12px; align-items: flex-start; }
.why-check {
  width: 22px; height: 22px; border-radius: 50%; background: #E4EFFB; color: #2E74C9;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;
}
.why-title { font-weight: 700; font-size: 14px; color: #123A66; }
.why-desc { color: #5C7085; font-size: 13px; line-height: 1.55; margin-top: 3px; }

/* ---- State chips (licensed states FAQ) ---- */
.state-chips { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.state-chips span {
  background: #E4EFFB; color: #2E74C9; font-size: 11.5px; font-weight: 700;
  padding: 4px 9px; border-radius: 6px; letter-spacing: 0.02em;
}