/* ICHRA Health Insurance — brought to you by Bluestone Insurance Partners
   Design system: navy/gold, EB Garamond display + Lato body (matches DRL Advisory) */

:root {
  --navy: #10233d;
  --navy-light: #1c3a5e;
  --navy-pale: #eef2f6;
  --gold: #c9a24b;
  --gold-dark: #a8842f;
  --cream: #faf8f4;
  --text-dark: #16233a;
  --text-gray: #57677c;
  --border: #dde3ea;
  --white: #ffffff;
  --radius: 3px;
  --max-width: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Lato', -apple-system, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
}
h1, h2, h3, h4 {
  font-family: 'EB Garamond', Georgia, serif;
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 0.5em;
  font-weight: 600;
}
h1 { font-size: 2.75rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.4rem; }
p { margin: 0 0 1.1em; }
a { color: var(--navy-light); text-decoration: none; }
a:hover { color: var(--gold-dark); }
ul { padding-left: 1.3em; }
li { margin-bottom: 0.5em; }
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 28px; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.78rem;
  color: var(--gold-dark);
  font-weight: 700;
  margin-bottom: 0.6em;
  display: block;
}

/* Header */
header.site-header {
  border-bottom: 1px solid var(--border);
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 18px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  font-family: 'EB Garamond', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.01em;
}
.logo span { color: var(--gold-dark); }
.logo small {
  display: block;
  font-family: 'Lato', sans-serif;
  font-size: 0.6rem;
  letter-spacing: 0.16em;
  color: var(--text-gray);
  font-weight: 600;
  text-transform: uppercase;
  margin-top: 2px;
}
nav.main-nav { display: flex; gap: 28px; align-items: center; }
nav.main-nav a {
  color: var(--text-dark);
  font-size: 0.92rem;
  font-weight: 600;
}
nav.main-nav a:hover { color: var(--gold-dark); }
.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 10px 20px;
  border-radius: var(--radius);
  font-size: 0.85rem !important;
}
.nav-cta:hover { background: var(--gold-dark); color: var(--white) !important; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
  padding: 76px 0 84px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  right: -80px; top: -80px;
  width: 340px; height: 340px;
  border: 1px solid rgba(201,162,75,0.25);
  border-radius: 50%;
}
.hero .container { position: relative; }
.hero .eyebrow { color: var(--gold); }
.hero h1 { color: var(--white); max-width: 760px; }
.hero p.lead {
  font-size: 1.2rem;
  color: rgba(255,255,255,0.85);
  max-width: 620px;
  margin-bottom: 1.6em;
}
.hero-sub { font-size: 1.4rem; color: var(--gold); font-family: 'EB Garamond', serif; margin-bottom: 0.3em; }

/* Buttons */
.btn {
  display: inline-block;
  padding: 14px 30px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  cursor: pointer;
  border: none;
}
.btn-gold { background: var(--gold); color: var(--navy) !important; }
.btn-gold:hover { background: var(--gold-dark); color: var(--white) !important; }
.btn-outline {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.5);
  color: var(--white) !important;
  margin-left: 12px;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold) !important; }

/* Sections */
section { padding: 64px 0; }
section.alt { background: var(--navy-pale); }
.section-head { max-width: 680px; margin-bottom: 2.2em; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* Cards / grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
}
.card h3 { margin-bottom: 0.4em; }
.card .card-eyebrow { font-size: 0.75rem; color: var(--gold-dark); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; }

/* Link list (used for county/industry hub links) */
.link-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 14px;
  margin-top: 1.4em;
}
.link-card {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 20px;
  display: block;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.link-card:hover { border-color: var(--gold); box-shadow: 0 2px 10px rgba(16,35,61,0.08); }
.link-card .lc-title { font-weight: 700; color: var(--navy); display: block; margin-bottom: 4px; }
.link-card .lc-sub { font-size: 0.85rem; color: var(--text-gray); }

/* Stat strip */
.stat-strip {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 28px 0;
  margin: 0;
}
.stat { text-align: center; }
.stat .num { font-family: 'EB Garamond', serif; font-size: 2.1rem; color: var(--navy); font-weight: 700; display: block; }
.stat .label { font-size: 0.85rem; color: var(--text-gray); }

/* Table */
table.compare { width: 100%; border-collapse: collapse; margin: 1.4em 0; }
table.compare th, table.compare td {
  text-align: left;
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  font-size: 0.94rem;
}
table.compare th { background: var(--navy-pale); color: var(--navy); font-family: 'EB Garamond', serif; font-size: 1.02rem; }

/* Breadcrumb */
.breadcrumb { font-size: 0.82rem; color: var(--text-gray); padding: 16px 0 0; }
.breadcrumb a { color: var(--text-gray); }
.breadcrumb a:hover { color: var(--gold-dark); }

/* FAQ */
.faq-item { border-bottom: 1px solid var(--border); padding: 18px 0; }
.faq-item h3 { font-size: 1.1rem; margin-bottom: 0.35em; }
.faq-item p { color: var(--text-gray); margin-bottom: 0; }

/* CTA banner */
.cta-banner {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 44px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cta-banner h2 { color: var(--white); margin-bottom: 0.2em; font-size: 1.6rem; }
.cta-banner p { color: rgba(255,255,255,0.78); margin-bottom: 0; }

/* Footer */
footer.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.75);
  padding: 48px 0 28px;
  margin-top: 40px;
  font-size: 0.88rem;
}
footer.site-footer h4 { color: var(--gold); font-size: 0.95rem; margin-bottom: 0.8em; }
footer.site-footer a { color: rgba(255,255,255,0.75); }
footer.site-footer a:hover { color: var(--gold); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; margin-bottom: 32px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 22px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
}
.footer-bottom p { margin-bottom: 0.6em; }

/* Contact form */
.contact-form label { display: block; font-weight: 700; font-size: 0.88rem; margin-bottom: 6px; color: var(--navy); }
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: 'Lato', sans-serif;
  font-size: 0.95rem;
  margin-bottom: 18px;
}
.contact-form textarea { min-height: 120px; resize: vertical; }

/* Quiz */
.quiz-wrap {
  max-width: 640px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
}
.quiz-progress {
  height: 4px;
  background: var(--navy-pale);
  border-radius: 2px;
  margin-bottom: 32px;
  overflow: hidden;
}
.quiz-progress-bar {
  height: 100%;
  background: var(--gold);
  transition: width 0.25s ease;
  width: 25%;
}
.quiz-step { display: none; }
.quiz-step.active { display: block; }
.quiz-step h3 { margin-bottom: 1.1em; font-size: 1.3rem; }
.quiz-option {
  display: block;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-bottom: 10px;
  cursor: pointer;
  transition: border-color 0.15s, background 0.15s;
}
.quiz-option:hover { border-color: var(--gold); background: var(--navy-pale); }
.quiz-option input { margin-right: 10px; }
.quiz-option.selected { border-color: var(--gold); background: var(--navy-pale); }
.quiz-nav { display: flex; justify-content: space-between; margin-top: 28px; }
.quiz-nav button { cursor: pointer; }
.quiz-nav .btn-back {
  background: transparent;
  border: none;
  color: var(--text-gray);
  font-weight: 700;
  font-size: 0.9rem;
}
.quiz-nav .btn-back:hover { color: var(--navy); }
.quiz-nav .btn-back:disabled { visibility: hidden; }
#quiz-next:disabled { opacity: 0.4; cursor: not-allowed; }
.quiz-result h2 { margin-bottom: 0.3em; }
.quiz-result .result-badge {
  display: inline-block;
  background: var(--navy-pale);
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}

@media (max-width: 860px) {
  .quiz-wrap { padding: 26px 20px; }
}

/* Scrolling hub read-sections */
.read-section {
  padding: 52px 0;
  border-bottom: 1px solid var(--border);
}
.read-section:last-of-type { border-bottom: none; }
.read-section .rs-inner { max-width: 760px; }
.read-section .rs-num {
  font-family: 'EB Garamond', serif;
  font-size: 0.85rem;
  color: var(--gold-dark);
  font-weight: 700;
  letter-spacing: 0.05em;
}
.read-section h2 { margin-top: 0.3em; }
.read-section ul.rs-highlights { margin: 1em 0 1.4em; }
.read-section ul.rs-highlights li { font-size: 0.96rem; }
.read-section .rs-cta { font-weight: 700; }

@media (max-width: 860px) {
  .read-section { padding: 36px 0; }
}

/* Calculator */
.calc-wrap {
  max-width: 640px;
  margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
}
.calc-method-row { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 24px; }
.calc-method-btn {
  flex: 1;
  min-width: 140px;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.88rem;
  cursor: pointer;
  text-align: center;
}
.calc-method-btn.active { border-color: var(--gold); background: var(--navy-pale); }
.calc-fields { display: none; margin-bottom: 10px; }
.calc-fields.active { display: block; }
.calc-toggle-row { display: flex; gap: 10px; margin-bottom: 18px; }
.calc-toggle-btn {
  flex: 1;
  padding: 10px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.85rem;
  cursor: pointer;
}
.calc-toggle-btn.active { border-color: var(--gold); background: var(--navy-pale); }
.calc-result {
  margin-top: 22px;
  padding: 22px;
  border-radius: var(--radius);
  border: 1.5px solid var(--border);
}
.calc-result.pass { border-color: #4a8a5c; background: #f2f8f3; }
.calc-result.fail { border-color: #b5502f; background: #fbf2ee; }
.calc-result .cr-status { font-weight: 700; font-size: 1.1rem; margin-bottom: 8px; display: block; }
.calc-result.pass .cr-status { color: #2f6a3f; }
.calc-result.fail .cr-status { color: #953c22; }
.calc-note { font-size: 0.82rem; color: var(--text-gray); margin-top: 14px; }

@media (max-width: 860px) {
  .calc-wrap { padding: 26px 20px; }
}

/* Mobile menu */
.mobile-menu-btn {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
}
.mobile-menu-btn span {
  display: block;
  height: 2px;
  width: 22px;
  background: var(--navy);
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.mobile-menu-btn.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mobile-menu-btn.open span:nth-child(2) { opacity: 0; }
.mobile-menu-btn.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav-panel {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-top: 1px solid var(--border);
}
.mobile-nav-panel.open { display: flex; }
.mobile-nav-panel a {
  padding: 14px 28px;
  border-bottom: 1px solid var(--border);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.95rem;
}
.mobile-nav-panel a:last-child { border-bottom: none; }

/* Responsive */
@media (max-width: 860px) {
  nav.main-nav { display: none; }
  .mobile-menu-btn { display: flex; }
  .grid-3, .grid-2, .footer-grid { grid-template-columns: 1fr; }
  h1 { font-size: 2.1rem; }
  .cta-banner { flex-direction: column; align-items: flex-start; }
}