/* ============================================================
   Construction & Manufacturing Health Insurance Solutions
   Shared stylesheet — spacing scale is 8px-based throughout.
   ============================================================ */

:root{
  --navy:#0B2545;
  --navy-2:#122F5C;
  --steel:#2E6199;
  --steel-light:#5C8BC4;
  --charcoal:#262A31;
  --orange:#E1571E;
  --orange-dark:#B8430F;
  --gray-bg:#F4F5F7;
  --gray-line:#DCE1E6;
  --gray-mid:#5B6470;
  --white:#FFFFFF;
  --green:#3E7C59;
  --radius:10px;
  --gap:24px;
  --gap-sm:16px;
  --pad:24px;
  --shadow:0 2px 10px rgba(11,37,69,0.08);
  --shadow-lg:0 8px 24px rgba(11,37,69,0.12);
  font-size:16px;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:"Segoe UI",-apple-system,BlinkMacSystemFont,Helvetica,Arial,sans-serif;
  color:var(--charcoal);
  background:var(--white);
  line-height:1.6;
}
h1,h2,h3,h4{
  font-family:"Segoe UI",-apple-system,BlinkMacSystemFont,Helvetica,Arial,sans-serif;
  color:var(--navy);
  line-height:1.25;
  margin:0 0 var(--gap-sm) 0;
  font-weight:700;
}
h1{font-size:clamp(30px,4vw,44px);}
h2{font-size:clamp(24px,3vw,32px);}
h3{font-size:19px;}
p{margin:0 0 var(--gap-sm) 0;}
a{color:var(--steel);text-decoration:none;}
a:hover{text-decoration:underline;}
ul{margin:0 0 var(--gap-sm) 0;padding-left:20px;}
li{margin-bottom:8px;}
img{max-width:100%;display:block;}
strong{color:var(--navy);}

.container{max-width:1180px;margin:0 auto;padding:0 24px;}
.skip-link{position:absolute;left:-999px;top:auto;}
.skip-link:focus{left:8px;top:8px;background:var(--navy);color:var(--white);padding:8px 16px;z-index:999;border-radius:6px;}

/* ---------- Header / Nav ---------- */
.site-header{
  background:var(--navy);
  border-bottom:4px solid var(--orange);
  position:sticky;top:0;z-index:100;
}
.header-inner{
  max-width:1180px;margin:0 auto;padding:14px 24px;
  display:flex;align-items:center;justify-content:space-between;gap:16px;
}
.brand-logo{display:flex;align-items:center;gap:10px;color:var(--white);font-weight:800;font-size:20px;letter-spacing:.2px;}
.brand-logo .mark{
  display:inline-flex;align-items:center;justify-content:center;
  width:36px;height:56px;flex-shrink:0;
}
.brand-logo .mark svg{width:36px;height:56px;}
.brand-logo .brand-text{display:flex;flex-direction:column;line-height:1.1;}
.brand-logo .brand-text small{font-weight:500;color:#C9D6E8;font-size:11px;letter-spacing:.5px;text-transform:uppercase;}
.nav-toggle{
  display:none;background:transparent;border:1px solid rgba(255,255,255,.35);color:var(--white);
  padding:8px 12px;border-radius:6px;font-size:15px;cursor:pointer;
}
.main-nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap;}
.main-nav a{
  color:#E8ECF2;font-size:14px;font-weight:600;padding:10px 10px;border-radius:6px;white-space:nowrap;
}
.main-nav a:hover,.main-nav a.active{background:rgba(255,255,255,.1);color:var(--white);text-decoration:none;}
.main-nav .nav-cta{background:var(--orange);color:var(--white);padding:10px 16px;border-radius:6px;font-weight:700;}
.main-nav .nav-cta:hover{background:var(--orange-dark);}
.dropdown{position:relative;}
.dropdown>button{
  background:transparent;border:none;color:#E8ECF2;font-size:14px;font-weight:600;
  padding:10px 10px;border-radius:6px;cursor:pointer;font-family:inherit;
}
.dropdown>button:hover{background:rgba(255,255,255,.1);}
.dropdown-menu{
  display:none;position:absolute;top:100%;left:0;background:var(--white);
  border-radius:8px;box-shadow:var(--shadow-lg);padding:8px;min-width:240px;z-index:50;
}
.dropdown.open .dropdown-menu{display:block;}
.dropdown-menu a{display:block;color:var(--charcoal);padding:10px 12px;border-radius:6px;font-size:14px;font-weight:600;}
.dropdown-menu a:hover{background:var(--gray-bg);text-decoration:none;}

@media (max-width:1080px){
  .nav-toggle{display:inline-block;}
  .main-nav{
    display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy-2);
    flex-direction:column;align-items:stretch;padding:12px;border-top:1px solid rgba(255,255,255,.15);
  }
  .main-nav.open{display:flex;}
  .main-nav a{padding:12px 14px;}
  .dropdown-menu{position:static;box-shadow:none;background:rgba(255,255,255,.06);}
  .dropdown-menu a{color:#E8ECF2;}
  .dropdown-menu a:hover{background:rgba(255,255,255,.1);}
  .main-nav .nav-cta{margin-top:8px;text-align:center;}
}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 55%,var(--steel) 100%);color:var(--white);padding:64px 0;position:relative;overflow:hidden;}
.hero::after{
  content:"";position:absolute;inset:0;
  background-image:repeating-linear-gradient(45deg,rgba(255,255,255,.035) 0 2px,transparent 2px 26px);
  pointer-events:none;
}
.hero-kicker{
  width:100%;position:relative;z-index:1;text-align:center;
  font-size:clamp(18px,2.6vw,28px);font-weight:800;letter-spacing:.5px;
  text-transform:uppercase;color:var(--white);
  background:rgba(0,0,0,.18);
  border-top:1px solid rgba(255,255,255,.25);border-bottom:1px solid rgba(255,255,255,.25);
  padding:16px 24px;margin-bottom:40px;
}
.hero-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;position:relative;z-index:1;}
.eyebrow{color:var(--orange);text-transform:uppercase;letter-spacing:1px;font-weight:800;font-size:13px;margin:0 0 12px 0;}
.hero h1{color:var(--white);}
.hero .lede{color:#D9E2EE;font-size:17px;max-width:600px;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:24px;}
.hero-panel{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);
  padding:28px;backdrop-filter:blur(2px);
}
.hero-panel .panel-stat{display:flex;align-items:baseline;gap:8px;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.15);}
.hero-panel .panel-stat:last-child{border-bottom:none;}
.hero-panel .panel-stat .num{font-size:28px;font-weight:800;color:var(--orange);}
.hero-panel .panel-stat .lbl{font-size:13px;color:#D9E2EE;}
.hero-panel .panel-title{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:#AFC1DA;font-weight:800;margin-bottom:4px;}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:13px 24px;border-radius:7px;font-weight:700;font-size:15px;border:2px solid transparent;cursor:pointer;}
.btn-primary{background:var(--orange);color:var(--white);}
.btn-primary:hover{background:var(--orange-dark);text-decoration:none;}
.btn-secondary{background:transparent;color:var(--white);border-color:rgba(255,255,255,.6);}
.btn-secondary:hover{background:rgba(255,255,255,.12);text-decoration:none;}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy);}
.btn-ghost:hover{background:var(--navy);color:var(--white);text-decoration:none;}
.btn-block{display:block;text-align:center;width:100%;}

/* ---------- Sections ---------- */
.section{padding:64px 0;}
.section.tight{padding:40px 0;}
.bg-white{background:var(--white);}
.bg-gray{background:var(--gray-bg);}
.bg-navy{background:var(--navy);color:var(--white);}
.bg-navy h2,.bg-navy h3{color:var(--white);}
.bg-steel-tint{background:#EEF3F9;}
.section-head{max-width:760px;margin:0 0 var(--gap) 0;}
.section-head.center{margin:0 auto var(--gap) auto;text-align:center;}
.section-head p{color:var(--gray-mid);font-size:16px;}

/* ---------- Grids & Cards ---------- */
.grid{display:grid;gap:var(--gap);}
.grid-2{grid-template-columns:repeat(2,1fr);}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
.grid-5{grid-template-columns:repeat(5,1fr);}
@media (max-width:900px){.grid-3,.grid-4,.grid-5{grid-template-columns:repeat(2,1fr);}}
@media (max-width:620px){.grid-2,.grid-3,.grid-4,.grid-5{grid-template-columns:1fr;}}

.card{
  background:var(--white);border:1px solid var(--gray-line);border-radius:var(--radius);
  padding:var(--pad);box-shadow:var(--shadow);height:100%;
}
.card h3{margin-bottom:8px;}
.card p:last-child{margin-bottom:0;}
.card-sm{padding:20px;}
.card-tall{display:flex;flex-direction:column;gap:8px;}
.card-icon{
  width:36px;height:36px;border-radius:8px;background:var(--navy);color:var(--white);
  display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:12px;
}
.card.accent-orange{border-top:4px solid var(--orange);}
.card.accent-steel{border-top:4px solid var(--steel);}
.card.accent-green{border-top:4px solid var(--green);}
.card.accent-navy{border-top:4px solid var(--navy);}

.stat-card{
  background:var(--white);border:1px solid var(--gray-line);border-radius:var(--radius);
  padding:24px;text-align:center;box-shadow:var(--shadow);
}
.stat-number{font-size:34px;font-weight:800;color:var(--orange);margin-bottom:6px;}
.stat-label{font-size:14px;color:var(--gray-mid);}
.source-note{font-size:13px;color:var(--gray-mid);margin-top:8px;}
.source-note a{color:var(--steel);}

.tag{
  display:inline-block;background:var(--steel);color:var(--white);font-size:12px;font-weight:700;
  padding:4px 10px;border-radius:999px;margin-bottom:10px;letter-spacing:.3px;
}
.tag.orange{background:var(--orange);}
.tag.green{background:var(--green);}
.tag.navy{background:var(--navy);}

.notice{background:#FFF4EC;border:1px solid #F3CBA9;border-radius:var(--radius);padding:20px 24px;}
.notice p{margin:0;color:var(--charcoal);font-size:14px;}
.notice p+p{margin-top:8px;}
.notice strong{color:var(--orange-dark);}

.callout{
  display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;
  padding:32px;border-radius:var(--radius);
}
.callout.navy{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.18);}
.callout h3{margin-bottom:6px;}
.bg-navy .callout p{color:#D9E2EE;margin:0;}

/* ---------- Page hero (non-home) ---------- */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:var(--white);padding:48px 0 44px;}
.page-hero h1{color:var(--white);margin-bottom:12px;}
.page-hero p{color:#D9E2EE;max-width:820px;font-size:16px;margin-bottom:0;}
.breadcrumb{font-size:13px;color:#AFC1DA;margin-bottom:14px;}
.breadcrumb a{color:#AFC1DA;}

/* ---------- Tiers (Benefits That Matter) ---------- */
.tier-block{margin-bottom:40px;}
.tier-block:last-child{margin-bottom:0;}
.tier-head{display:flex;align-items:baseline;gap:12px;margin-bottom:16px;flex-wrap:wrap;}
.tier-head .tier-num{
  background:var(--navy);color:var(--white);font-weight:800;font-size:13px;
  padding:6px 12px;border-radius:6px;
}
.tier-head h2{margin:0;}
.tier-head .tier-sub{color:var(--gray-mid);font-size:14px;margin:0;}
.benefit-row{
  display:grid;grid-template-columns:44px 1fr;gap:16px;padding:16px 0;border-bottom:1px solid var(--gray-line);
}
.benefit-row:last-child{border-bottom:none;}
.benefit-row .rank{
  width:44px;height:44px;border-radius:8px;background:var(--gray-bg);color:var(--navy);font-weight:800;
  display:flex;align-items:center;justify-content:center;font-size:16px;
}
.benefit-row h4{margin:0 0 4px 0;color:var(--navy);font-size:16px;}
.benefit-row p{margin:0;color:var(--gray-mid);font-size:14px;}

.top10-list{list-style:none;padding:0;margin:0;counter-reset:top10;}
.top10-list li{
  counter-increment:top10;position:relative;padding:14px 16px 14px 52px;margin-bottom:8px;
  background:var(--white);border:1px solid var(--gray-line);border-radius:8px;font-weight:700;color:var(--navy);
}
.top10-list li::before{
  content:counter(top10);position:absolute;left:14px;top:50%;transform:translateY(-50%);
  width:26px;height:26px;border-radius:50%;background:var(--orange);color:var(--white);
  font-size:13px;display:flex;align-items:center;justify-content:center;
}

/* ---------- FAQ ---------- */
.faq-item{background:var(--white);border:1px solid var(--gray-line);border-radius:var(--radius);margin-bottom:12px;overflow:hidden;}
.faq-item summary{padding:18px 22px;font-weight:700;color:var(--navy);cursor:pointer;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:20px;color:var(--orange);font-weight:800;}
.faq-item[open] summary::after{content:"\2212";}
.faq-item .faq-body{padding:0 22px 20px;color:var(--gray-mid);font-size:15px;}

/* ---------- Resource Library ---------- */
.resource-card{
  background:var(--white);border:1px solid var(--gray-line);border-radius:var(--radius);
  padding:20px;display:flex;flex-direction:column;gap:10px;box-shadow:var(--shadow);height:100%;
}
.resource-card .res-icon{width:34px;height:34px;border-radius:7px;background:var(--steel);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;}
.resource-card h4{margin:0;font-size:15px;color:var(--navy);}
.resource-card p{margin:0;font-size:13px;color:var(--gray-mid);}
.resource-group{margin-bottom:36px;}
.resource-group:last-child{margin-bottom:0;}
.resource-group h2{margin-bottom:16px;}

/* ---------- Forms ---------- */
.form-card{background:var(--white);border:1px solid var(--gray-line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow);}
.hidden-field{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden;}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.form-grid .full{grid-column:1/-1;}
@media (max-width:640px){.form-grid{grid-template-columns:1fr;}}
.field label{display:block;font-weight:700;font-size:14px;color:var(--navy);margin-bottom:6px;}
.field input,.field select,.field textarea{
  width:100%;padding:11px 12px;border:1px solid var(--gray-line);border-radius:7px;font-size:15px;
  font-family:inherit;background:var(--white);color:var(--charcoal);
}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--steel);border-color:var(--steel);}
.field-checks{display:grid;grid-template-columns:repeat(2,1fr);gap:10px 20px;}
@media (max-width:480px){.field-checks{grid-template-columns:1fr;}}
.field-checks label{font-weight:500;color:var(--charcoal);display:flex;align-items:center;gap:8px;font-size:14px;line-height:1.3;}
.field-checks input[type="checkbox"]{width:16px;height:16px;flex-shrink:0;accent-color:var(--orange);margin:0;}

.grid-review{display:grid;grid-template-columns:2fr 1fr;gap:var(--gap);align-items:start;}
@media (max-width:900px){.grid-review{grid-template-columns:1fr;}}
fieldset{border:1px solid var(--gray-line);border-radius:8px;padding:14px 16px;margin:0;}
legend{font-weight:700;color:var(--navy);font-size:14px;padding:0 4px;}

/* ---------- Footer ---------- */
.site-footer{background:var(--charcoal);color:#C9CDD3;padding:56px 0 0;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:var(--gap);padding-bottom:32px;}
@media (max-width:900px){.footer-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr;}}
.site-footer h4{color:var(--white);font-size:14px;text-transform:uppercase;letter-spacing:.5px;margin-bottom:14px;}
.site-footer ul{list-style:none;padding:0;margin:0;}
.site-footer li{margin-bottom:8px;}
.site-footer a{color:#C9CDD3;}
.site-footer a:hover{color:var(--white);}
.footer-brand{font-weight:800;color:var(--white);font-size:18px;margin-bottom:10px;}
.small{font-size:13px;color:#9BA1AA;}
.footer-disclaimers{border-top:1px solid #3A3E46;padding:20px 0;}
.footer-disclaimers p{font-size:12px;color:#8A9099;margin:0 0 6px 0;}
.footer-bottom{
  border-top:1px solid #3A3E46;padding:16px 0 24px;display:flex;justify-content:space-between;
  flex-wrap:wrap;gap:10px;font-size:12px;color:#8A9099;
}
.footer-bottom a{color:#8A9099;}

.text-center{text-align:center;}
.mt-0{margin-top:0;}
.mt-24{margin-top:24px;}