/* ============================================================
   ICQUOTES.COM — LANDING PAGE
   Standalone: one page, one stylesheet, one small script.

   This is the original Alpine draft's type, colours and pill buttons,
   kept as they were, plus:
     - the ICHRA Systems logo, resampled to its exact display size
     - the three benefit cards (from the Alpine draft)
     - "How ICHRAs/Choice Arrangements Work" with the video beside it
     - the three-column approach comparison
     - the top menu as plain blue links, as in the original

   QUICK EDITS
   1. Colours and sizes: the variables below.
   2. Hero photo framing: --hero-image-position.
   3. Text and links: index.htm (search for EDIT TEXT).
   ============================================================ */

:root {
  /* EDIT COLORS */
  --navy: #081e3b;
  --blue: #075abd;
  --button-blue: #0669cd;
  --body-text: #52627a;
  --line: #c9dff5;
  --ice: #f2f7fc;
  --white: #ffffff;

  /* EDIT FONTS: system fonts; no font files required. */
  --font-heading: Georgia, "Times New Roman", serif;
  --font-body: "Segoe UI", Arial, sans-serif;

  /* EDIT SPACING / PHOTO POSITION */
  --header-width: 1320px;
  --hero-content-width: 1210px;
  --page-width: 1336px;
  --page-gutter: 48px;
  --cards-width: 1510px;
  --hero-height: clamp(520px, 32.72vw, 630px);
  --hero-image-position: center center;
  --card-radius: 15px;
}

/* ---------- BASIC PAGE STYLES ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--navy);
  background: var(--white);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, p { margin: 0; }
ol, ul { margin: 0; padding: 0; list-style: none; }
a, summary { -webkit-tap-highlight-color: transparent; }
a:focus-visible, summary:focus-visible { outline: 3px solid #00428e; outline-offset: 5px; }
.blue-text { color: var(--blue); }
.container {
  width: calc(100% - var(--page-gutter) * 2);
  max-width: var(--page-width);
  margin: 0 auto;
}
.skip-link {
  position: absolute;
  z-index: 100;
  left: 16px;
  top: -100px;
  padding: 12px 20px;
  color: white;
  background: var(--navy);
  border-radius: 6px;
}
.skip-link:focus { top: 12px; }

/* ---------- WHITE HEADER / PLAIN BLUE LINKS ---------- */
.site-header { position: relative; z-index: 10; background: #fff; }
.header-inner {
  display: flex;
  align-items: center;
  gap: 90px;
  width: calc(100% - 64px);
  max-width: var(--header-width);
  min-height: 96px;
  margin: 0 auto;
}
/* The logo file is already 250 x 75, so it is drawn 1:1 — no rescaling. */
.brand { display: block; flex: 0 0 250px; }
.brand img { width: 250px; height: auto; }
.desktop-nav {
  display: flex;
  align-items: center;
  gap: 37px;
  padding-left: 70px;
  font-size: 16px;
  color: var(--blue);
}
.desktop-nav a { padding: 13px 0; white-space: nowrap; }
.desktop-nav a:hover { text-decoration: underline; text-underline-offset: 6px; }
.mobile-menu { display: none; }

/* ---------- MAIN PHOTO / HERO ---------- */
.hero { position: relative; isolation: isolate; overflow: hidden; background: #e9f5ff; }
.hero-art { position: absolute; z-index: -2; inset: 0; display: block; pointer-events: none; }
.hero-art img { width: 100%; height: 100%; object-fit: cover; object-position: var(--hero-image-position); }
/* A soft veil keeps the text readable without hiding the scenery. It
   stops at 52% so it never reaches her — she begins around 55%. */
.hero::after {
  content: "";
  position: absolute;
  z-index: -1;
  inset: 0;
  background: linear-gradient(90deg,
    rgba(249, 252, 255, .22) 0%,
    rgba(249, 252, 255, .62) 15%,
    rgba(249, 252, 255, .67) 34%,
    rgba(249, 252, 255, .18) 45%,
    rgba(249, 252, 255, 0) 52%);
  pointer-events: none;
}
.hero-inner {
  display: flex;
  align-items: center;
  width: calc(100% - 72px);
  max-width: var(--hero-content-width);
  min-height: var(--hero-height);
  margin: 0 auto;
  padding: 34px 0 37px;
}
.hero-copy { width: 690px; max-width: 61%; }
.eyebrow {
  margin-bottom: 20px;
  color: var(--blue);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 4px;
  line-height: 1.5;
  text-transform: uppercase;
}
h1 {
  font-family: var(--font-heading);
  font-weight: 400;
  font-size: clamp(54px, 4.24vw, 72px);
  line-height: .94;
  letter-spacing: -2.4px;
}
h1 span { display: block; }
.hero-description {
  max-width: 540px;
  margin-top: 23px;
  color: var(--body-text);
  font-size: 18px;
  line-height: 1.5;
}
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; margin-top: 25px; }
.button {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  min-height: 54px;
  padding: 12px 30px;
  border: 1px solid var(--blue);
  border-radius: 999px;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.3;
  white-space: nowrap;
  transition: background-color .16s ease, box-shadow .16s ease;
}
.button-primary {
  color: white;
  background: var(--button-blue);
  border-color: #fff;
  box-shadow: 0 0 0 1px rgba(0, 86, 185, .10);
}
.button-primary:hover { background: #0055ad; }
.button-outline {
  color: #0058b8;
  background: rgba(255, 255, 255, .93);
  box-shadow: 0 0 0 2px rgba(255, 255, 255, .65);
}
.button-outline:hover { background: #e7f3ff; }
.button-arrow { font-size: 23px; line-height: .9; font-family: Arial, sans-serif; }

/* ---------- THREE BENEFIT CARDS ---------- */
.benefits-section { padding: 24px 0 0; background: #fff; }
.benefits-row {
  display: flex;
  gap: 20px;
  width: calc(100% - 80px);
  max-width: var(--cards-width);
  margin: 0 auto;
}
.benefit-card {
  display: flex;
  align-items: flex-start;
  flex: 1 1 0;
  gap: 28px;
  min-width: 0;
  min-height: 193px;
  padding: 28px 26px 26px 31px;
  background: var(--ice);
  border-radius: var(--card-radius);
}
.card-badges { display: flex; align-items: center; flex: 0 0 115px; padding-top: 6px; }
.step-number {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 46px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  color: #0a6bc8;
  background: #dceeff;
  font-size: 23px;
  font-weight: 600;
}
.icon-circle {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  margin-left: 1px;
  border-radius: 50%;
  background: #e0efff;
}
.card-copy { min-width: 0; }
.card-copy h2 {
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 400;
  line-height: 1.2;
  letter-spacing: -.5px;
}
.card-copy p { margin-top: 10px; color: #56647b; font-size: 15.5px; line-height: 1.48; }

/* ---------- HOW ICHRAs WORK (video beside the steps) ---------- */
.explainer-row { background: #fff; }
.explainer-row .ichra-card-main { padding: 54px 0 50px; }
.ichra-title {
  font-family: var(--font-heading);
  font-size: clamp(26px, 2.3vw, 38px);
  font-weight: 400;
  letter-spacing: -.9px;
  line-height: 1.16;
  text-align: center;
  overflow-wrap: anywhere;
}
.ichra-intro {
  max-width: 70ch;
  margin: 13px auto 0;
  color: var(--body-text);
  font-size: 16.5px;
  line-height: 1.6;
  text-align: center;
}
.explainer-body {
  display: grid;
  grid-template-columns: minmax(0, 1.32fr) minmax(0, 1fr);
  gap: 44px;
  align-items: start;
  margin-top: 38px;
}
.ichra-steps { display: grid; grid-template-columns: 1fr 1fr; gap: 28px 34px; }
.ichra-steps > li { display: block; }
.step-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 13px;
  border-radius: 50%;
  color: #0a6bc8;
  background: #dceeff;
  font-size: 17px;
  font-weight: 600;
}
.ichra-steps h3 { font-family: var(--font-heading); font-size: 18px; font-weight: 400; line-height: 1.3; letter-spacing: -.3px; }
.ichra-steps p { margin-top: 7px; color: #56647b; font-size: 15px; line-height: 1.56; }

.ichra-video {
  position: relative;
  width: 100%;
  margin: 0;
  aspect-ratio: 16 / 9;
  background: #0b1f3c;
  border: 1px solid var(--line);
  border-radius: 12px;
  overflow: hidden;
}
.ichra-video iframe { position: absolute; inset: 0; display: block; width: 100%; height: 100%; border: 0; }
.ichra-video-fallback { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: flex-end; overflow: hidden; }
.ichra-video-fallback[hidden] { display: none; }
.ichra-video-fallback img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.ichra-video-fallback-note {
  position: relative;
  width: 100%;
  padding: 9px 14px 10px;
  color: #fff;
  background: linear-gradient(to top, rgba(8, 24, 46, .92), rgba(8, 24, 46, .55));
  font-size: 12.5px;
  font-weight: 600;
  line-height: 1.45;
  text-align: center;
}
.ichra-video-fallback-note small { display: block; margin-top: 2px; font-weight: 400; font-size: 10.6px; opacity: .85; }

/* ---------- APPROACH COMPARISON ---------- */
.comparison-section { padding: 34px 0 22px; background: var(--ice); }
.section-heading { text-align: center; }
.section-heading .eyebrow { margin-bottom: 0; font-size: 11px; letter-spacing: 3.2px; }
.section-heading h2 {
  margin-top: 9px;
  font-family: var(--font-heading);
  font-size: clamp(27px, 2.4vw, 40px);
  font-weight: 400;
  letter-spacing: -1.2px;
  line-height: 1.2;
}
.approaches {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) 58px minmax(0, 1.02fr) minmax(0, .9fr);
  gap: 24px;
  max-width: 1290px;
  margin: 30px auto 0;
  align-items: stretch;
}
.approach { display: flex; align-items: flex-start; gap: 24px; min-width: 0; }
.approach-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 94px;
  width: 94px;
  height: 94px;
  border-radius: 50%;
  background: #e0efff;
}
.approach-icon img { width: 60px; height: 60px; }
.approach-copy { min-width: 0; padding-top: 5px; }
.approach-copy h3 { font-family: var(--font-heading); font-size: 21px; font-weight: 400; letter-spacing: -.5px; line-height: 1.3; }
.comparison-list {
  display: flex;
  flex-direction: column;
  gap: 7.5px;
  margin-top: 13px;
  color: #56647b;
  font-size: 15px;
  line-height: 1.45;
}
.comparison-list li { position: relative; padding-left: 28px; }
.comparison-list li::before {
  content: "";
  position: absolute;
  left: 1px;
  top: 3px;
  width: 16px;
  height: 16px;
  background-repeat: no-repeat;
  background-position: center;
  background-size: contain;
}
.cross-list li::before { background-image: url("assets/close.svg"); }
.check-list li::before { background-image: url("assets/check-green.svg"); }
.neutral-list li::before { left: 5px; top: 9px; width: 6px; height: 6px; border-radius: 50%; background: #9db6cd; }
.approach-divider { display: flex; flex-direction: column; align-items: center; gap: 10px; padding-top: 3px; }
.divider-line { flex: 1; width: 1px; min-height: 20px; background: #cbe1f5; }
.divider-arrow { display: flex; width: 58px; height: 58px; align-items: center; justify-content: center; border-radius: 50%; background: #dceeff; }
.broker-approach { position: relative; gap: 24px; padding-left: 26px; }
.broker-approach::before { content: ""; position: absolute; left: 0; top: 6px; bottom: 6px; width: 1px; background: #d3e6f7; }
.broker-login {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  margin-top: 17px;
  padding: 11px 26px;
  color: #fff;
  background: var(--button-blue);
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 500;
}
.broker-login:hover { background: #0055ad; }

/* ---------- FOOTER ---------- */
.site-footer { background: white; }
.footer-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px 20px;
  min-height: 66px;
  padding-top: 20px;
  padding-bottom: 20px;
}
.footer-inner nav { display: flex; flex-wrap: wrap; gap: 24px; color: var(--blue); font-size: 14px; }
.footer-inner nav a:hover { text-decoration: underline; text-underline-offset: 4px; }
.footer-copyright { color: #68778b; font-size: 13px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1500px) {
  .header-inner { gap: 65px; }
  .desktop-nav { padding-left: 30px; gap: 30px; }
  .hero-copy { max-width: 62%; }
  .hero-description { max-width: 505px; font-size: 17px; }
  .button { min-height: 51px; padding: 12px 23px; font-size: 15px; gap: 12px; }
  .hero-actions { gap: 11px; }
  .benefit-card { gap: 18px; padding: 26px 21px; }
  .card-badges { flex-basis: 91px; }
  .step-number { flex-basis: 38px; width: 38px; height: 38px; font-size: 20px; }
  .icon-circle { width: 53px; height: 53px; }
  .icon-circle img { width: 35px; height: 35px; }
  .card-copy h2 { font-size: 23px; }
  .card-copy p { font-size: 14.5px; }
}

@media (max-width: 1360px) {
  :root { --page-gutter: 34px; }
  .approaches { grid-template-columns: minmax(0, 1fr) 46px minmax(0, 1fr) minmax(0, 1.05fr); gap: 18px; }
  .approach { gap: 18px; }
  .approach-icon { flex-basis: 78px; width: 78px; height: 78px; }
  .approach-icon img { width: 50px; height: 50px; }
  .comparison-list { font-size: 14px; }
  .approach-copy h3 { font-size: 19px; }
  .broker-approach { padding-left: 20px; }
  .divider-arrow { width: 48px; height: 48px; }
}

@media (max-width: 1250px) {
  .header-inner { gap: 40px; }
  .desktop-nav { gap: 24px; padding-left: 0; font-size: 15px; }
  .hero-inner { width: calc(100% - 80px); }
  h1 { font-size: 55px; }
  .hero-description { max-width: 460px; font-size: 16px; }
  .eyebrow { font-size: 10px; letter-spacing: 3px; }
  .hero-actions { gap: 10px; }
  .button { padding: 12px 18px; font-size: 14px; }
  .benefits-row { width: calc(100% - 48px); gap: 14px; }
  .benefit-card { flex-direction: column; gap: 15px; padding: 24px; }
  .card-badges { flex-basis: auto; padding-top: 0; }
}

@media (max-width: 1100px) {
  .explainer-body { grid-template-columns: 1fr; gap: 34px; }
  .ichra-video { max-width: 620px; margin: 0 auto; }
}

/* ---------- TABLETS: COPY AND PORTRAIT SIDE BY SIDE ---------- */
@media (max-width: 1050px) {
  .header-inner { width: calc(100% - 48px); gap: 25px; min-height: 88px; }
  .brand { flex-basis: 217px; }
  .brand img { width: 217px; }
  .desktop-nav { margin-left: auto; gap: 20px; font-size: 14px; }
  .hero { display: flex; align-items: stretch; }
  .hero::after { display: none; }
  .hero-art { position: relative; z-index: 0; inset: auto; order: 2; width: 43%; flex: 0 0 43%; }
  .hero-art img { height: 100%; object-position: 50% center; }
  .hero-inner {
    position: relative;
    z-index: 1;
    order: 1;
    width: 57%;
    min-height: 535px;
    margin: 0;
    padding: 38px 28px;
    background: linear-gradient(140deg, #fff, #edf7ff);
  }
  .hero-copy { width: 100%; max-width: none; }
  h1 { font-size: clamp(43px, 5.6vw, 55px); letter-spacing: -1.6px; line-height: .98; }
  .eyebrow { font-size: 9px; letter-spacing: 2.5px; }
  .hero-description { font-size: 16px; max-width: 100%; }
  .hero-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .hero-actions .button-primary { grid-column: 1 / -1; }
  .button { min-height: 48px; padding: 12px; font-size: 14px; }
  .approaches { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 26px 34px; max-width: 900px; }
  .approach-divider { display: none; }
  .broker-approach { grid-column: 1 / -1; padding-left: 0; padding-top: 24px; }
  .broker-approach::before { left: 0; right: 0; top: 0; bottom: auto; width: auto; height: 1px; }
}

/* ---------- MOBILE ---------- */
@media (max-width: 760px) {
  :root { --page-gutter: 24px; }
  .header-inner { min-height: 82px; width: calc(100% - 40px); justify-content: space-between; }
  .brand, .brand img { width: 193px; flex-basis: 193px; }
  .desktop-nav { display: none; }
  .mobile-menu { position: relative; display: block; }
  .mobile-menu > summary {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 9px;
    min-height: 44px;
    min-width: 75px;
    padding: 8px 3px;
    list-style: none;
    cursor: pointer;
    font-size: 14px;
    color: var(--navy);
  }
  .mobile-menu > summary::-webkit-details-marker { display: none; }
  .menu-bars { display: block; width: 17px; height: 12px; border-top: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; }
  .mobile-menu nav {
    position: absolute;
    z-index: 20;
    top: 51px;
    right: 0;
    display: flex;
    flex-direction: column;
    width: 262px;
    max-width: calc(100vw - 40px);
    padding: 10px;
    background: white;
    border: 1px solid var(--line);
    border-radius: 12px;
    box-shadow: 0 14px 36px rgba(8, 30, 59, .14);
  }
  .mobile-menu nav a { display: block; min-height: 48px; padding: 13px 14px; border-radius: 7px; font-size: 15px; color: var(--blue); }
  .mobile-menu nav a:hover { background: var(--ice); }
  .hero { flex-direction: column; }
  .hero-inner { width: 100%; min-height: 0; padding: 34px 28px 31px; }
  .hero-copy { width: 100%; }
  .eyebrow { font-size: 9px; letter-spacing: 2.8px; margin-bottom: 19px; }
  h1 { font-size: clamp(43px, 8vw, 61px); line-height: .99; letter-spacing: -1.9px; }
  .hero-description { max-width: 530px; margin-top: 21px; font-size: 16px; line-height: 1.6; }
  .hero-actions { display: flex; flex-direction: column; align-items: stretch; max-width: 510px; margin-top: 24px; gap: 12px; }
  .button { min-height: 50px; font-size: 15px; }
  .hero-art { flex: none; width: 100%; height: 325px; order: 2; }
  .hero-art img { object-fit: cover; object-position: 50% top; }
  .benefits-section { padding-top: 20px; }
  .benefits-row { flex-direction: column; width: calc(100% - 40px); gap: 14px; }
  .benefit-card { flex: 0 0 auto; flex-direction: row; min-height: 0; gap: 19px; padding: 24px 23px; }
  .card-badges { flex: 0 0 91px; padding-top: 3px; }
  .card-copy h2 { font-size: 23px; }
  .card-copy p { font-size: 15px; line-height: 1.55; }
  .explainer-row .ichra-card-main { padding: 38px 0 34px; }
  .explainer-body { margin-top: 28px; gap: 28px; }
  .ichra-steps { grid-template-columns: 1fr; gap: 24px; }
  .ichra-intro { font-size: 15px; }
  .ichra-steps h3 { font-size: 17px; }
  .ichra-steps p { font-size: 14px; }
  .comparison-section { padding: 30px 0 22px; }
  .section-heading .eyebrow { max-width: 320px; margin: 0 auto; font-size: 9px; letter-spacing: 2.4px; }
  .section-heading h2 { margin-top: 12px; font-size: 30px; letter-spacing: -.8px; line-height: 1.18; }
  .approaches { grid-template-columns: 1fr; gap: 22px; max-width: 460px; margin-top: 26px; }
  .approach-icon { width: 62px; height: 62px; flex-basis: 62px; }
  .approach-icon img { width: 42px; height: 42px; }
  .approach-copy h3 { font-size: 18px; }
  .comparison-list { font-size: 14px; gap: 8px; margin-top: 11px; }
  .comparison-list li { padding-left: 27px; }
  .broker-login { width: 100%; max-width: 240px; }
  .footer-inner { align-items: flex-start; flex-direction: column; gap: 14px; padding-top: 22px; padding-bottom: 23px; }
  .footer-inner nav { gap: 12px 20px; font-size: 13px; }
}

@media (max-width: 420px) {
  :root { --page-gutter: 18px; }
  .hero-inner { padding-left: 23px; padding-right: 23px; }
  h1 { font-size: 45px; letter-spacing: -1.9px; }
  .eyebrow { letter-spacing: 2.25px; font-size: 8.5px; }
  .hero-art { height: 292px; }
  .benefit-card { gap: 15px; padding: 23px 19px; }
  .card-badges { flex-basis: 62px; position: relative; padding-top: 19px; }
  .step-number { position: absolute; z-index: 1; top: 0; left: -2px; width: 31px; height: 31px; font-size: 17px; border: 2px solid var(--ice); }
  .icon-circle { width: 58px; height: 58px; margin-left: 5px; }
  .card-copy h2 { font-size: 22px; }
  .card-copy p { font-size: 14px; }
}

@media (max-width: 350px) {
  h1 { font-size: 39px; letter-spacing: -1.7px; }
  .brand, .brand img { width: 160px; flex-basis: 160px; }
  .hero-description { font-size: 15px; }
  .button { font-size: 13px; }
}

@media (min-width: 1921px) {
  .hero-art img { object-fit: cover; object-position: center 40%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .button { transition: none; }
}
@media print {
  .hero-art, .hero-actions, .ichra-video { display: none; }
  .hero::after { display: none; }
  /* Without these, hiding the photo leaves an empty 43% column and half
     a blank first page: print media still matches the narrow-screen
     rules. Header and footer stay so the sheet carries the logo and
     the icquotes.com line. */
  .hero { display: block; }
  .hero-inner { width: 100%; min-height: 0; padding-bottom: 18px; }
}