/* CHILS LLC — shared styles (health-insurance theme) */
:root{
  --teal:#0f766e; --teal-600:#0d9488; --teal-400:#2dd4bf; --emerald:#059669;
  --ink:#0f172a; --slate:#475569; --slate-400:#94a3b8; --line:#e2e8f0;
  --bg:#f8fafc; --card:#ffffff; --amber:#b45309; --amber-bg:#fffbeb; --amber-line:#fde68a;
  --radius:16px; --shadow:0 1px 2px rgba(15,23,42,.04),0 18px 40px -22px rgba(15,23,42,.25);
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--bg);color:var(--ink);
  font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.65;-webkit-font-smoothing:antialiased;}
a{color:var(--teal-600);}
img{max-width:100%;}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px;}
.disp{font-family:"Poppins",sans-serif;font-weight:700;letter-spacing:-.01em;}

/* top utility bar */
.util{background:var(--ink);color:#fff;font-size:13.5px;}
.util .wrap{display:flex;justify-content:space-between;align-items:center;height:40px;gap:12px;flex-wrap:wrap;}
.util a{color:#fff;text-decoration:none;}
.util a:hover{color:var(--teal-400);}

/* header / nav */
header.bar{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;}
header.bar .wrap{height:74px;display:flex;align-items:center;justify-content:space-between;}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);}
.logo .mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--teal),var(--emerald));
  display:grid;place-content:center;color:#fff;font-family:"Poppins";font-weight:700;font-size:16px;}
.logo .name{font-family:"Poppins";font-weight:700;font-size:20px;letter-spacing:.02em;}
.logo .name small{display:block;font-family:"Inter";font-weight:500;font-size:11px;color:var(--slate-400);letter-spacing:.02em;margin-top:-2px;}
nav.links{display:flex;gap:26px;align-items:center;}
nav.links a{font-size:14.5px;font-weight:500;color:var(--slate);text-decoration:none;}
nav.links a:hover,nav.links a.active{color:var(--teal);}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:#fff;
  border:none;border-radius:10px;padding:11px 20px;font-weight:600;font-size:15px;cursor:pointer;text-decoration:none;
  font-family:"Inter";transition:background .15s;}
.btn:hover{background:var(--teal-600);}
.btn.block{width:100%;height:52px;font-size:17px;}
.btn.ghost{background:#f1f5f9;color:var(--ink);}
.btn.ghost:hover{background:#e2e8f0;}
.navtoggle{display:none;background:none;border:0;font-size:26px;cursor:pointer;color:var(--ink);}

/* hero */
.hero{background:linear-gradient(135deg,#0b3b38 0%,var(--teal) 55%,var(--teal-600) 100%);color:#fff;}
.hero .wrap{padding:64px 22px 76px;display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center;}
.hero .eyebrow{font-size:12.5px;letter-spacing:.18em;text-transform:uppercase;color:#a7f3d0;font-weight:600;}
.hero h1{font-family:"Poppins";font-weight:700;font-size:44px;line-height:1.08;margin:14px 0 14px;}
.hero p{color:#d1fae5;font-size:17px;max-width:52ch;}
.hero .cta{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap;}
.hero .cta .btn{background:#fff;color:var(--teal);}
.hero .cta .btn:hover{background:#ecfdf5;}
.hero .cta .btn.ghost{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.4);}
.trustrow{display:flex;gap:22px;flex-wrap:wrap;margin-top:30px;color:#a7f3d0;font-size:14px;}
.trustrow span{display:flex;align-items:center;gap:7px;}

/* generic sections */
section{padding:56px 0;}
.center{text-align:center;}
.eyebrow{font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--teal-600);font-weight:700;}
h2.ttl{font-family:"Poppins";font-weight:700;font-size:30px;margin:8px 0 6px;}
.lead{color:var(--slate);max-width:60ch;margin:0 auto;}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px;}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px;}
.card .ic{width:44px;height:44px;border-radius:11px;background:#ecfdf5;color:var(--teal);display:grid;place-content:center;font-size:22px;margin-bottom:14px;}
.card h3{font-family:"Poppins";font-weight:600;font-size:18px;margin:0 0 6px;}
.card p{color:var(--slate);font-size:14.5px;margin:0;}
.card.link{cursor:pointer;transition:box-shadow .15s,transform .15s;text-decoration:none;color:inherit;display:block;}
.card.link:hover{transform:translateY(-2px);box-shadow:0 1px 2px rgba(15,23,42,.05),0 26px 46px -24px rgba(15,23,42,.3);}

/* form */
.formwrap{background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:34px;max-width:640px;margin:0 auto;}
.formwrap .eyebrow{text-align:center;display:block;}
.formwrap h2{font-family:"Poppins";font-weight:700;font-size:26px;text-align:center;margin:6px 0 4px;}
.formwrap .sub{text-align:center;color:var(--slate-400);font-size:14px;margin-bottom:24px;}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.field{margin-bottom:2px;}
.field label{display:block;font-size:14px;font-weight:600;margin-bottom:6px;}
.field input,.field select{width:100%;background:#f8fafc;border:1px solid var(--line);border-radius:10px;
  padding:11px 13px;font-size:14.5px;font-family:inherit;color:var(--ink);}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal-400);background:#fff;box-shadow:0 0 0 3px rgba(45,212,191,.18);}
.consent{margin-top:16px;border:1px solid var(--line);background:#f8fafc;border-radius:12px;padding:15px;display:flex;gap:12px;align-items:flex-start;}
.consent input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--teal);}
.consent label{font-size:13px;color:var(--slate);line-height:1.55;}
.finelinks{font-size:12px;color:var(--slate-400);margin:14px 0 18px;line-height:1.6;}
.err{color:#b91c1c;font-size:13px;margin-top:6px;display:none;}
.ok{display:none;text-align:center;padding:8px 0;}
.ok .big{font-family:"Poppins";font-weight:700;font-size:22px;color:var(--teal);margin:8px 0;}

/* split band */
.band{background:#0b3b38;color:#fff;}
.band .wrap{padding:44px 22px;}
.band h2{font-family:"Poppins";font-weight:700;font-size:26px;margin:0 0 10px;}
.band p{color:#a7f3d0;max-width:70ch;}
.band .meta{color:#5eead4;opacity:.8;font-size:13px;margin-top:12px;}

/* article (policy pages) */
.article{max-width:780px;margin:0 auto;}
.article h1{font-family:"Poppins";font-weight:700;font-size:38px;margin:0 0 6px;}
.article .dates{color:var(--slate);font-size:14px;margin-bottom:8px;}
.article h2{font-family:"Poppins";font-weight:700;font-size:21px;margin:30px 0 8px;}
.article h3{font-family:"Poppins";font-weight:600;font-size:16px;margin:20px 0 4px;}
.article p,.article li{color:#243244;font-size:15.5px;}
.article ul{padding-left:20px;}
.article li{margin:5px 0;}
.article blockquote{border-left:4px solid var(--teal);background:#f0fdfa;margin:16px 0;padding:12px 18px;border-radius:0 10px 10px 0;color:#334155;}
.callout{background:#ecfdf5;border:1px solid #99f6e4;border-radius:12px;padding:6px 20px;margin:16px 0;}

/* footer */
footer{background:var(--ink);color:#cbd5e1;padding:52px 0 26px;}
footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;}
footer .name{font-family:"Poppins";font-weight:700;font-size:20px;color:#fff;}
footer h4{color:#fff;font-size:15px;margin:0 0 14px;}
footer ul{list-style:none;padding:0;margin:0;}
footer li{margin:9px 0;font-size:14px;}
footer a{color:#cbd5e1;text-decoration:none;}
footer a:hover{color:#fff;}
footer .disc{border-top:1px solid #1e293b;margin-top:34px;padding-top:20px;font-size:12.5px;color:#94a3b8;line-height:1.65;}
footer .disc .legal{max-width:760px;}
footer .plinks{margin-top:12px;display:flex;gap:20px;flex-wrap:wrap;}

.note{background:var(--amber-bg);border:1px solid var(--amber-line);color:var(--amber);font-size:13px;padding:12px 18px;border-radius:12px;margin:22px auto 0;max-width:1076px;}

@media(max-width:860px){
  .hero .wrap{grid-template-columns:1fr;}
  .cards{grid-template-columns:1fr;}
  footer .cols{grid-template-columns:1fr;}
}
@media(max-width:720px){
  nav.links{display:none;}
  .navtoggle{display:block;}
  nav.links.open{display:flex;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;
    padding:18px 22px;gap:16px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);}
  .grid2{grid-template-columns:1fr;}
  .hero h1{font-size:34px;}
}