/* ========================================================
   TrustedBenefitHub — Landing Page Styles
   ======================================================== */
:root{
  --navy:#0b3d6b;
  --navy-2:#0a3159;
  --teal:#2ec7a6;
  --teal-dark:#1fa588;
  --ink:#122031;
  --slate:#5b6b7d;
  --line:#e6ebf1;
  --bg:#ffffff;
  --bg-alt:#f5f9fc;
  --gold:#ffb547;
  --radius:16px;
  --shadow-sm:0 4px 14px rgba(11,61,107,.08);
  --shadow-md:0 14px 40px rgba(11,61,107,.14);
  --shadow-lg:0 30px 70px rgba(11,61,107,.22);
  --container:1180px;
  --ease:cubic-bezier(.16,.84,.44,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:'Inter',system-ui,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4,.brand__name{font-family:'Plus Jakarta Sans',sans-serif;line-height:1.15;letter-spacing:-.02em}
a{color:inherit;text-decoration:none}
img,svg{display:block;max-width:100%}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 22px}

/* ---------- LOADER ---------- */
.loader{
  position:fixed;inset:0;z-index:9999;
  display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,#0b3d6b,#0a2a4d 60%,#072038);
  transition:opacity .6s var(--ease),visibility .6s;
}
.loader.hidden{opacity:0;visibility:hidden}
.loader__inner{text-align:center;color:#fff}
.loader__ring{position:relative;width:86px;height:86px;margin:0 auto 22px}
.loader__ring span{
  position:absolute;inset:0;border-radius:50%;
  border:3px solid transparent;
  border-top-color:var(--teal);
  animation:spin 1.1s linear infinite;
}
.loader__ring span:nth-child(2){inset:9px;border-top-color:#8fe3d0;animation-duration:1.5s;animation-direction:reverse}
.loader__ring span:nth-child(3){inset:18px;border-top-color:rgba(255,255,255,.7);animation-duration:.9s}
.loader__logo{
  position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  margin-top:-46px;animation:pulse 1.4s ease-in-out infinite;
}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes pulse{0%,100%{transform:translate(-50%,-50%) scale(1)}50%{transform:translate(-50%,-50%) scale(1.12)}}
.loader__text{font-family:'Plus Jakarta Sans';font-weight:800;font-size:1.35rem;letter-spacing:.01em}
.loader__sub{display:block;font-size:.82rem;opacity:.7;margin-top:4px;letter-spacing:.04em}

/* ---------- TOPBAR ---------- */
.topbar{background:var(--navy-2);color:#dbe7f2;font-size:.82rem}
.topbar__row{display:flex;align-items:center;gap:22px;padding:8px 22px;flex-wrap:wrap}
.topbar__item{opacity:.85}
.topbar__call{margin-left:auto;font-weight:700;color:#fff}
.topbar__call:hover{color:var(--teal)}
@media(max-width:640px){.topbar__item{display:none}.topbar__call{margin:0 auto}}

/* ---------- HEADER ---------- */
.header{
  position:sticky;top:0;z-index:900;
  background:rgba(255,255,255,.85);
  backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid transparent;
  transition:box-shadow .3s,border-color .3s,background .3s;
}
.header.scrolled{box-shadow:var(--shadow-sm);border-color:var(--line);background:rgba(255,255,255,.94)}
.header__row{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px}
.brand__mark{display:grid;place-items:center;flex-shrink:0}
.brand__mark svg{width:38px;height:42px;display:block;filter:drop-shadow(0 3px 6px rgba(11,61,107,.18))}
.brand__mark img.brand__logo{width:auto;height:44px;display:block;filter:drop-shadow(0 3px 6px rgba(11,61,107,.18))}
.brand__lockup{display:flex;flex-direction:column;line-height:1.05}
.brand__name{font-size:1.24rem;font-weight:800;color:var(--navy);letter-spacing:-.01em}
.brand__name strong{color:var(--teal-dark);font-weight:800}
.brand__tag{
  font-family:'Plus Jakarta Sans';font-weight:600;font-size:.54rem;
  letter-spacing:.22em;text-transform:uppercase;color:var(--slate);margin-top:3px;
}
.brand--footer .brand__mark svg,.brand--footer .brand__mark img.brand__logo{filter:drop-shadow(0 3px 6px rgba(0,0,0,.35))}
.brand--footer .brand__tag{color:rgba(255,255,255,.65)}
.nav{display:flex;align-items:center;gap:28px}
.nav a{font-weight:600;font-size:.95rem;color:var(--slate);transition:color .2s}
.nav a:hover{color:var(--navy)}
.nav__cta{
  background:var(--teal);color:#fff!important;padding:11px 20px;border-radius:10px;
  box-shadow:0 8px 18px rgba(46,199,166,.35);transition:transform .2s,box-shadow .2s;
}
.nav__cta:hover{transform:translateY(-2px);box-shadow:0 12px 24px rgba(46,199,166,.45)}
.nav__toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav__toggle span{width:26px;height:2.5px;background:var(--navy);border-radius:2px;transition:.3s}
.nav__toggle.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav__toggle.open span:nth-child(2){opacity:0}
.nav__toggle.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

@media(max-width:900px){
  .nav{
    position:absolute;top:70px;left:0;right:0;flex-direction:column;gap:0;
    background:#fff;border-top:1px solid var(--line);box-shadow:var(--shadow-md);
    max-height:0;overflow:hidden;transition:max-height .35s var(--ease);
  }
  .nav.open{max-height:380px}
  .nav a{width:100%;padding:15px 22px;border-bottom:1px solid var(--line)}
  .nav__cta{margin:14px 22px;text-align:center}
  .nav__toggle{display:flex}
}

/* ---------- BUTTONS ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:'Plus Jakarta Sans';font-weight:700;font-size:1rem;
  padding:15px 28px;border:0;border-radius:12px;cursor:pointer;
  transition:transform .2s var(--ease),box-shadow .2s,background .2s;
  position:relative;overflow:hidden;
}
.btn--primary{background:var(--navy);color:#fff;box-shadow:0 10px 26px rgba(11,61,107,.28)}
.btn--primary:hover{transform:translateY(-3px);box-shadow:0 16px 34px rgba(11,61,107,.36)}
.btn--white{background:#fff;color:var(--navy);box-shadow:var(--shadow-md)}
.btn--white:hover{transform:translateY(-3px)}
.btn--full{width:100%}
.btn--glow{
  background:linear-gradient(120deg,var(--teal),var(--teal-dark));color:#fff;
  box-shadow:0 12px 30px rgba(46,199,166,.4);font-size:1.08rem;padding:17px 28px;
}
.btn--glow:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(46,199,166,.55)}
.btn--glow::after{
  content:"";position:absolute;top:0;left:-60%;width:40%;height:100%;
  background:linear-gradient(120deg,transparent,rgba(255,255,255,.5),transparent);
  transform:skewX(-20deg);animation:shine 3.2s ease-in-out infinite;
}
@keyframes shine{0%,60%{left:-60%}100%{left:130%}}
.btn__spinner{display:none;width:20px;height:20px;border:2.5px solid rgba(255,255,255,.4);border-top-color:#fff;border-radius:50%;animation:spin .7s linear infinite}
.btn.loading .btn__label{opacity:0}
.btn.loading .btn__spinner{display:block;position:absolute}

/* ---------- HERO ---------- */
.hero{position:relative;padding:34px 0 90px;overflow:hidden;background:linear-gradient(180deg,#f3f9fd,#eaf3fa)}
.hero__bg{position:absolute;inset:0;z-index:0;pointer-events:none}
.blob{position:absolute;border-radius:50%;filter:blur(60px);opacity:.5;animation:float 14s ease-in-out infinite}
.blob--1{width:420px;height:420px;background:radial-gradient(circle,#8fe3d0,transparent 70%);top:-90px;right:-60px}
.blob--2{width:360px;height:360px;background:radial-gradient(circle,#a9cdf0,transparent 70%);bottom:-120px;left:-80px;animation-delay:-4s}
.blob--3{width:260px;height:260px;background:radial-gradient(circle,#ffd79a,transparent 70%);top:40%;left:45%;animation-delay:-8s;opacity:.35}
@keyframes float{0%,100%{transform:translate(0,0)}33%{transform:translate(30px,-24px)}66%{transform:translate(-20px,20px)}}
.grid-overlay{
  position:absolute;inset:0;
  background-image:linear-gradient(rgba(11,61,107,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(11,61,107,.04) 1px,transparent 1px);
  background-size:44px 44px;mask-image:radial-gradient(circle at 50% 40%,#000,transparent 75%);
}
.hero__grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}

.badge{
  display:inline-flex;align-items:center;gap:6px;
  background:#fff;color:var(--navy);font-weight:700;font-size:.82rem;
  padding:8px 15px;border-radius:100px;box-shadow:var(--shadow-sm);margin-bottom:22px;
}
.hero__title{font-size:clamp(2.1rem,4.4vw,3.35rem);font-weight:800;color:var(--ink)}
.grad-text{display:block;background:linear-gradient(120deg,var(--teal-dark),var(--navy));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero__lead{font-size:1.12rem;color:var(--slate);margin:20px 0 24px;max-width:540px}
.hero__lead strong{color:var(--ink)}
.hero__points{list-style:none;display:grid;gap:11px;margin-bottom:26px}
.hero__points li{display:flex;align-items:center;gap:11px;font-size:1.02rem;color:var(--ink)}
.hero__points i{display:grid;place-items:center;width:24px;height:24px;background:#e2f7f0;color:var(--teal-dark);border-radius:50%;font-style:normal;font-weight:800;font-size:.8rem;flex-shrink:0}

.hero__trust{display:flex;align-items:center;gap:22px;padding:18px 22px;background:#fff;border-radius:14px;box-shadow:var(--shadow-sm);max-width:520px}
.trust__item{display:flex;flex-direction:column}
.trust__item strong{font-family:'Plus Jakarta Sans';font-size:1.5rem;color:var(--navy);line-height:1}
.trust__item span{font-size:.8rem;color:var(--slate)}
.trust__divider{width:1px;height:34px;background:var(--line)}

/* ---------- QUOTE FORM ---------- */
.hero__formwrap{position:relative}
/* When arriving via /#contact, offset the jump so the sticky 70px header
   doesn't cover the top of the quote-form box. */
#contact{scroll-margin-top:90px}
.quote-form{
  position:relative;background:#fff;border-radius:22px;padding:30px;
  box-shadow:var(--shadow-lg);border:1px solid rgba(255,255,255,.6);
}
.quote-form::before{
  content:"";position:absolute;inset:-2px;border-radius:24px;z-index:-1;
  background:linear-gradient(135deg,var(--teal),var(--navy));opacity:.18;filter:blur(8px);
}
.quote-form__head{text-align:center;margin-bottom:20px}
.quote-form__head h2{font-size:1.55rem;color:var(--navy)}
.quote-form__head p{font-size:.9rem;color:var(--slate);margin-top:4px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px;position:relative}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--ink);margin-bottom:6px}
.field input[type=text],.field input[type=tel],.field input[type=number]{
  width:100%;padding:13px 14px;font-size:.98rem;font-family:inherit;
  border:1.6px solid var(--line);border-radius:10px;background:#fafcfe;
  transition:border-color .2s,box-shadow .2s,background .2s;
}
.field input::placeholder{color:#a8b4c0}
.field input:focus{outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 4px rgba(46,199,166,.15)}
.field input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none}
.field.invalid input{border-color:#e5484d;background:#fff6f6}
.err{display:block;color:#e5484d;font-size:.76rem;margin-top:5px;min-height:0;line-height:1.3}

/* consent */
.field--consent{margin-top:4px}
.consent{display:flex;gap:11px;cursor:pointer;align-items:flex-start}
.consent input[type=checkbox]{
  -webkit-appearance:none;appearance:none;
  flex:0 0 22px;width:22px;height:22px;margin:1px 0 0;
  border:2px solid #c3d0dc;border-radius:6px;background:#fff;
  position:relative;cursor:pointer;transition:background .2s,border-color .2s,box-shadow .2s;
}
.consent input[type=checkbox]:checked{background:var(--teal);border-color:var(--teal)}
.consent input[type=checkbox]:checked::after{
  content:"";position:absolute;left:6px;top:2px;width:6px;height:11px;
  border:solid #fff;border-width:0 2.5px 2.5px 0;transform:rotate(45deg);
}
.consent input[type=checkbox]:focus-visible{outline:none;box-shadow:0 0 0 4px rgba(46,199,166,.25)}
.consent__text{font-size:.72rem;color:var(--slate);line-height:1.5}
.consent__text a{color:var(--teal-dark);font-weight:600;text-decoration:underline}

.quote-form__secure{text-align:center;font-size:.78rem;color:var(--slate);margin-top:14px}

/* success state */
.form-success[hidden]{display:none!important}
.form-success{
  position:absolute;inset:0;background:#fff;border-radius:22px;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;padding:30px;animation:fadeScale .5s var(--ease);
}
.form-success__icon{
  width:72px;height:72px;display:grid;place-items:center;border-radius:50%;
  background:linear-gradient(135deg,var(--teal),var(--teal-dark));color:#fff;
  font-size:2.2rem;margin-bottom:18px;box-shadow:0 10px 26px rgba(46,199,166,.4);
  animation:popIn .5s var(--ease) .1s backwards;
}
.form-success h3{font-size:1.5rem;color:var(--navy);margin-bottom:8px}
.form-success p{color:var(--slate);max-width:320px}
@keyframes fadeScale{from{opacity:0;transform:scale(.96)}to{opacity:1;transform:scale(1)}}
@keyframes popIn{from{transform:scale(0);opacity:0}to{transform:scale(1);opacity:1}}

/* scroll cue */
.scroll-cue{position:absolute;bottom:22px;left:50%;transform:translateX(-50%);width:26px;height:42px;border:2px solid rgba(11,61,107,.35);border-radius:14px;z-index:2}
.scroll-cue span{position:absolute;top:8px;left:50%;transform:translateX(-50%);width:5px;height:8px;background:var(--navy);border-radius:3px;animation:scrolldot 1.6s ease-in-out infinite}
@keyframes scrolldot{0%{opacity:0;top:8px}40%{opacity:1}80%{opacity:0;top:22px}}

/* ---------- CONTACT PAGE ---------- */
.contact-page{padding:48px 0 80px;min-height:calc(100vh - 180px)}
.contact-page__inner{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.contact-page__intro{max-width:520px}
.contact-page__title{font-size:clamp(2rem,4vw,3rem);font-weight:800;color:var(--ink);margin:18px 0 16px}
.contact-page__intro p{color:var(--slate);font-size:1.08rem}
.contact-page__intro p strong{color:var(--ink)}
@media(max-width:960px){
  .contact-page__inner{grid-template-columns:1fr;gap:30px;max-width:560px;margin:0 auto}
  .contact-page__intro{text-align:center;max-width:none}
}

/* ---------- LOGOS ---------- */
.logos{background:#fff;border-bottom:1px solid var(--line);padding:22px 0}
.logos__row{display:flex;align-items:center;gap:26px;flex-wrap:wrap;justify-content:center;color:var(--slate);font-size:.86rem}
.logos__marquee{display:flex;gap:34px;flex-wrap:wrap;justify-content:center}
.logos__marquee em{font-style:normal;font-family:'Plus Jakarta Sans';font-weight:700;color:#9aa8b6;font-size:1.02rem;transition:color .2s}
.logos__marquee em:hover{color:var(--navy)}

/* ---------- SECTIONS ---------- */
.section{padding:80px 0}
.section--alt{background:var(--bg-alt)}
.section__head{text-align:center;max-width:660px;margin:0 auto 48px}
.eyebrow{display:inline-block;font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dark);margin-bottom:12px}
.section__head h2{font-size:clamp(1.8rem,3.4vw,2.5rem);color:var(--ink)}
.section__head p{color:var(--slate);margin-top:14px;font-size:1.05rem}

/* cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;box-shadow:var(--shadow-sm);transition:transform .3s var(--ease),box-shadow .3s}
.card:hover{transform:translateY(-8px);box-shadow:var(--shadow-md)}
.card__icon{width:56px;height:56px;display:grid;place-items:center;font-size:1.6rem;background:linear-gradient(135deg,#eaf7f3,#e2f0fb);border-radius:14px;margin-bottom:16px}
.card h3{font-size:1.15rem;color:var(--navy);margin-bottom:8px}
.card p{color:var(--slate);font-size:.95rem}

/* medicare */
.medicare__grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.medicare__media{position:relative;min-height:360px}
.medicare__ill{max-width:340px;margin:0 auto}
.stat-card{position:absolute;background:#fff;border-radius:14px;padding:16px 20px;box-shadow:var(--shadow-md);z-index:2}
.stat-card__big{display:block;font-family:'Plus Jakarta Sans';font-weight:800;font-size:1.8rem;color:var(--teal-dark);line-height:1}
.stat-card__label{font-size:.8rem;color:var(--slate)}
.stat-card--float{top:14px;left:-6px;animation:bob 5s ease-in-out infinite}
.stat-card--float2{bottom:20px;right:-6px;animation:bob 5s ease-in-out infinite 1.5s}
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}
.medicare__copy h2{font-size:clamp(1.8rem,3.4vw,2.5rem);color:var(--ink);margin-bottom:14px}
.medicare__copy>p{color:var(--slate);font-size:1.05rem;margin-bottom:22px}
.checklist{list-style:none;display:grid;gap:12px;margin-bottom:28px}
.checklist li{position:relative;padding-left:34px;color:var(--ink);font-size:1rem}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;display:grid;place-items:center;background:var(--teal);color:#fff;border-radius:50%;font-size:.75rem;font-weight:800}
.fineprint{font-size:.78rem;color:#9aa8b6;margin-top:16px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:s}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 26px 28px;box-shadow:var(--shadow-sm);transition:transform .3s}
.step:hover{transform:translateY(-6px)}
.step__num{width:52px;height:52px;display:grid;place-items:center;font-family:'Plus Jakarta Sans';font-weight:800;font-size:1.3rem;color:#fff;background:linear-gradient(135deg,var(--navy),var(--navy-2));border-radius:14px;margin-bottom:18px;box-shadow:0 8px 18px rgba(11,61,107,.3)}
.step h3{font-size:1.2rem;color:var(--navy);margin-bottom:8px}
.step p{color:var(--slate)}

/* cta banner */
.cta-banner{background:linear-gradient(120deg,var(--navy),var(--navy-2) 60%,#072a4d);color:#fff;padding:56px 0}
.cta-banner__row{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-banner h2{font-size:clamp(1.6rem,3vw,2.2rem)}
.cta-banner p{opacity:.85;margin-top:6px}

/* reviews */
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px;box-shadow:var(--shadow-sm);grid-column:span 1;transition:transform .3s}
.cards .review{grid-column:auto}
.review:hover{transform:translateY(-6px)}
.review__stars{color:var(--gold);font-size:1.1rem;letter-spacing:2px;margin-bottom:12px}
.review p{color:var(--ink);font-style:italic;margin-bottom:16px}
.review footer{font-weight:700;color:var(--navy);font-size:.92rem}
.review footer span{color:var(--slate);font-weight:500}
#reviews .cards{grid-template-columns:repeat(3,1fr)}

/* faq */
.faq{max-width:780px;margin:0 auto}
.accordion details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:14px;overflow:hidden;transition:box-shadow .2s}
.accordion details[open]{box-shadow:var(--shadow-sm)}
.accordion summary{list-style:none;cursor:pointer;padding:18px 22px;font-family:'Plus Jakarta Sans';font-weight:700;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:14px}
.accordion summary::-webkit-details-marker{display:none}
.accordion summary::after{content:"+";font-size:1.5rem;color:var(--teal);transition:transform .25s;font-weight:400}
.accordion details[open] summary::after{transform:rotate(45deg)}
.accordion details p{padding:0 22px 20px;color:var(--slate);animation:fadeIn .3s ease}
.accordion details a{color:var(--teal-dark);font-weight:600}
@keyframes fadeIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}

/* ---------- FOOTER ---------- */
.footer{background:#0a2a4b;color:#c3d3e2;padding:60px 0 24px}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.brand--footer .brand__name{color:#fff}
.footer__brand p{margin:16px 0;font-size:.92rem;opacity:.75;max-width:320px}
.footer__phone{font-weight:700;color:#fff;font-size:1.05rem}
.footer__phone:hover{color:var(--teal)}
.footer__contact{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:10px}
.footer__contact li{display:flex;gap:9px;font-size:.92rem;opacity:.85;line-height:1.5}
.footer__contact a{color:#fff;transition:color .2s}
.footer__contact a:hover{color:var(--teal)}
.footer__col h4{color:#fff;font-size:1rem;margin-bottom:16px}
.footer__col a{display:block;padding:6px 0;font-size:.92rem;opacity:.75;transition:opacity .2s,color .2s}
.footer__col a:hover{opacity:1;color:var(--teal)}
.footer__disclaimer{padding-top:24px}
.footer__disclaimer p{font-size:.76rem;opacity:.55;line-height:1.6;margin-bottom:12px}
.footer__copy{font-weight:600;opacity:.7!important}

/* sticky call (mobile) */
.sticky-call{
  position:fixed;bottom:0;left:0;right:0;z-index:800;display:none;
  text-align:center;padding:15px;font-family:'Plus Jakarta Sans';font-weight:700;
  background:linear-gradient(120deg,var(--teal),var(--teal-dark));color:#fff;
  box-shadow:0 -6px 20px rgba(0,0,0,.15);
}

/* ---------- REVEAL ANIMATIONS ---------- */
.reveal{opacity:0;transform:translateY(30px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ---------- RESPONSIVE ---------- */
@media(max-width:960px){
  .hero__grid{grid-template-columns:1fr;gap:38px}
  .hero__formwrap{max-width:520px;margin:0 auto;width:100%}
  .medicare__grid{grid-template-columns:1fr;gap:40px}
  .medicare__media{min-height:300px;order:2}
  .cards{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr;gap:18px}
  #reviews .cards{grid-template-columns:1fr}
}
@media(max-width:640px){
  .hero{padding:24px 0 70px}
  .section{padding:56px 0}
  .cards{grid-template-columns:1fr}
  .quote-form{padding:24px 20px}
  .field-row{grid-template-columns:1fr 1fr;gap:11px}
  .hero__trust{flex-wrap:wrap;gap:14px}
  .cta-banner__row{flex-direction:column;text-align:center}
  .footer__grid{grid-template-columns:1fr 1fr;gap:28px}
  .sticky-call{display:block}
  body{padding-bottom:54px}
  .scroll-cue{display:none}
}
@media(max-width:420px){
  .footer__grid{grid-template-columns:1fr}
}

/* reduced motion */
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
  .reveal{opacity:1;transform:none}
}