/* Melon Insurance Services — shared stylesheet */
:root{
  --green:#28B97A; --green-d:#1FA173; --dark:#0F3D3A; --darker:#0B2E2B; --light:#A6E3C1;
  --off:#F2F7F5; --ink:#1A1A1A; --muted:#4A5B57; --muted2:#6B7C77;
  --line:#E8F1EC; --tint:#F7FBF8; --tint-line:#E1EEE6; --chip:#E7F4EC;
  --radius:12px; --shadow:0 8px 20px rgba(40,185,122,.28);
  --maxw:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Poppins','Segoe UI',system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:var(--green);text-decoration:none}
a:hover{color:var(--dark)}
img{max-width:100%}
h1,h2,h3,h4,p{margin:0}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:2.4px;color:var(--green);text-transform:uppercase}
.muted{color:var(--muted)}
.center{text-align:center;max-width:660px;margin:0 auto;display:flex;flex-direction:column;gap:14px;align-items:center}

/* Buttons */
.btn{display:inline-block;font-weight:600;font-size:16px;padding:15px 30px;border-radius:var(--radius);cursor:pointer;transition:transform .12s ease, box-shadow .12s ease;border:0}
.btn-sm{padding:12px 24px;font-size:15px}
.btn-primary{background:var(--green);color:#fff;box-shadow:var(--shadow)}
.btn-primary:hover{color:#fff;transform:translateY(-1px);box-shadow:0 12px 26px rgba(40,185,122,.34)}
.btn-ghost{background:#fff;color:var(--dark);border:1.5px solid var(--dark)}
.btn-ghost:hover{color:var(--dark);background:var(--off)}
.btn-light{background:#fff;color:var(--dark)}
.btn-light:hover{color:var(--dark);transform:translateY(-1px)}

/* Header / nav */
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand:hover{color:inherit}
.brand-text{display:flex;flex-direction:column}
.brand .word{font-weight:600;font-size:24px;color:var(--dark);line-height:1;letter-spacing:-.5px}
.brand .sub{font-size:8px;letter-spacing:3px;color:var(--green);font-weight:500}
.nav-links{display:flex;align-items:center;gap:30px}
.nav-links a{font-size:15px;font-weight:500;color:var(--dark)}
.nav-links a:hover{color:var(--green)}
.nav-links a.active{color:var(--green)}
.nav-cta{display:flex;align-items:center;gap:18px}
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:6px;line-height:0}

/* Hero */
.hero{background:linear-gradient(180deg,var(--off) 0%,#fff 100%);padding:76px 0 88px}
.hero-grid{display:grid;grid-template-columns:7fr 5fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(34px,4.4vw,54px);line-height:1.12;font-weight:600;color:var(--dark);letter-spacing:-1px;margin-top:18px}
.hero p.lead{font-size:18px;line-height:1.65;color:var(--muted);margin-top:22px;max-width:560px}
.hero-actions{display:flex;flex-wrap:wrap;gap:16px;margin-top:34px}
.hero-note{margin-top:20px;font-size:14px;color:var(--muted2)}
.hero-art{background:var(--dark);border-radius:24px;min-height:430px;display:flex;align-items:center;justify-content:center;position:relative}
.float{position:absolute;background:#fff;border-radius:14px;padding:14px 18px;display:flex;align-items:center;gap:12px;box-shadow:0 16px 34px rgba(11,46,43,.30)}
.float .ic{width:40px;height:40px;border-radius:50%;background:var(--chip);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.float .t1{font-size:14px;font-weight:600;color:var(--dark)}
.float .t2{font-size:12px;color:var(--muted2)}
.float.a{top:34px;left:-18px}
.float.b{bottom:34px;right:-18px}

/* Page banner (sub-page hero) */
.page-banner{background:var(--dark);color:#fff;padding:64px 0 72px;position:relative;overflow:hidden}
.page-banner .eyebrow{color:var(--light)}
.page-banner h1{font-size:clamp(30px,3.6vw,46px);font-weight:600;letter-spacing:-.7px;margin-top:10px;max-width:760px}
.page-banner p{font-size:18px;line-height:1.6;color:var(--light);opacity:.9;margin-top:16px;max-width:640px}
.page-banner .mk{position:absolute;right:-70px;bottom:-90px;opacity:.08;width:340px}
.breadcrumb{font-size:13px;color:var(--light);opacity:.85;margin-bottom:4px}
.breadcrumb a{color:var(--light)}
.breadcrumb a:hover{color:#fff}

/* Sections */
section{padding:88px 0}
.section-sm{padding:60px 0}
.section-tint{background:var(--off)}
h2.h{font-size:clamp(28px,3.2vw,38px);font-weight:600;color:var(--dark);letter-spacing:-.6px}
p.sub{font-size:17px;line-height:1.6;color:var(--muted)}

/* Grids */
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.mt-50{margin-top:50px}

/* Cards */
.card{background:var(--tint);border:1px solid var(--tint-line);border-radius:16px;padding:30px 26px;display:flex;flex-direction:column;gap:16px}
.card .ic{width:52px;height:52px;border-radius:50%;background:var(--chip);display:flex;align-items:center;justify-content:center}
.card h3{font-size:19px;font-weight:600;color:var(--dark)}
.card p{font-size:15px;line-height:1.6;color:var(--muted)}
.card.plain{background:#fff}

/* Step cards */
.step{background:#fff;border-radius:18px;padding:34px 30px;display:flex;flex-direction:column;gap:12px;border:1px solid var(--tint-line)}
.step .num{font-size:42px;font-weight:600;color:var(--green);line-height:1}
.step h3{font-size:20px;font-weight:600;color:var(--dark)}
.step p{font-size:15px;line-height:1.65;color:var(--muted)}

/* Split section */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split .visual{background:var(--dark);border-radius:24px;min-height:360px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}
.split h2{margin-bottom:18px}
.split p{font-size:16px;line-height:1.7;color:var(--muted);margin-bottom:14px}

/* Feature list (checkmarks) */
.feature-list{list-style:none;padding:0;margin:20px 0 0;display:flex;flex-direction:column;gap:14px}
.feature-list li{display:flex;gap:12px;align-items:flex-start;font-size:16px;line-height:1.55;color:var(--muted)}
.feature-list li strong{color:var(--dark);font-weight:600}
.feature-list .tick{flex-shrink:0;width:24px;height:24px;border-radius:50%;background:var(--chip);display:flex;align-items:center;justify-content:center;margin-top:1px}

/* Values strip */
.values{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:32px 0}
.values-row{display:grid;grid-template-columns:repeat(4,1fr)}
.value{display:flex;align-items:center;justify-content:center;gap:12px;font-size:15px;font-weight:600;color:var(--dark)}
.value+.value{border-left:1px solid var(--line)}

/* Stats */
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.stat{text-align:center}
.stat .n{font-size:clamp(32px,4vw,46px);font-weight:600;color:var(--green);line-height:1}
.stat .l{font-size:14px;color:var(--muted);margin-top:8px}

/* Carrier / logo row */
.logo-row{display:flex;flex-wrap:wrap;gap:16px;justify-content:center;margin-top:8px}
.logo-chip{background:#fff;border:1px solid var(--tint-line);border-radius:12px;padding:18px 26px;font-weight:600;color:var(--muted2);font-size:15px;min-width:150px;text-align:center}

/* Testimonials */
.quote{background:#fff;border:1px solid var(--tint-line);border-radius:16px;padding:30px;display:flex;flex-direction:column;gap:16px}
.quote p{font-size:16px;line-height:1.65;color:var(--dark)}
.quote .who{display:flex;align-items:center;gap:12px}
.quote .av{width:42px;height:42px;border-radius:50%;background:var(--chip);display:flex;align-items:center;justify-content:center;font-weight:600;color:var(--dark)}
.quote .who .nm{font-size:14px;font-weight:600;color:var(--dark)}
.quote .who .rl{font-size:13px;color:var(--muted2)}

/* Prose (legal / long content) */
.prose{max-width:820px;margin:0 auto}
.prose h2{font-size:24px;font-weight:600;color:var(--dark);margin:36px 0 12px}
.prose h3{font-size:18px;font-weight:600;color:var(--dark);margin:26px 0 8px}
.prose p{font-size:16px;line-height:1.75;color:var(--muted);margin:0 0 14px}
.prose ul{margin:0 0 14px;padding-left:22px;color:var(--muted);line-height:1.7}
.prose a{color:var(--green)}
.note{background:var(--tint);border:1px solid var(--tint-line);border-left:4px solid var(--green);border-radius:8px;padding:16px 18px;font-size:14.5px;color:var(--muted);margin:20px 0}

/* Accordion / FAQ */
.faq{max-width:820px;margin:40px auto 0;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--tint);border:1px solid var(--tint-line);border-radius:12px;padding:0 20px}
.faq summary{list-style:none;cursor:pointer;padding:20px 0;font-weight:600;color:var(--dark);font-size:16.5px;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;color:var(--green);font-weight:400;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details>p{padding:0 0 20px;margin:0;font-size:15.5px;line-height:1.7;color:var(--muted)}

/* Forms */
.form-card{background:#fff;border:1px solid var(--tint-line);border-radius:20px;padding:36px;box-shadow:0 20px 50px rgba(11,46,43,.06)}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
.field label{font-size:14px;font-weight:600;color:var(--dark)}
.field .req{color:var(--green)}
.field input,.field select,.field textarea{font-family:inherit;font-size:15px;color:var(--ink);padding:13px 14px;border:1.5px solid var(--tint-line);border-radius:10px;background:#fff;transition:border-color .12s ease}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--green)}
.field textarea{resize:vertical;min-height:110px}
.field.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{margin-top:14px;font-size:15px;font-weight:500;min-height:22px}
.form-status.ok{color:var(--green-d)}
.form-status.err{color:#c0392b}

/* CTA band */
.cta-band{background:var(--dark);border-radius:28px;padding:76px 40px;text-align:center;position:relative;overflow:hidden;display:flex;flex-direction:column;align-items:center}
.cta-band h2{font-size:clamp(26px,3vw,36px);font-weight:600;color:#fff;letter-spacing:-.5px}
.cta-band p{font-size:17px;line-height:1.65;color:var(--light);opacity:.85;margin-top:16px;max-width:640px}
.cta-band .btn{margin-top:32px}
.cta-band .call{font-size:14px;color:#8FB5A6;margin-top:14px}
.cta-watermark{position:absolute;right:-70px;bottom:-90px;opacity:.08;width:340px}

/* Footer */
footer{background:var(--darker);color:#CFE0D8;padding:64px 0 32px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:44px}
.foot h4{font-size:13px;font-weight:600;letter-spacing:1.8px;color:var(--light);margin-bottom:6px}
.foot-col{display:flex;flex-direction:column;gap:12px}
.foot-col a,.foot-col .row{font-size:14.5px;color:#CFE0D8}
.foot-col a:hover{color:#fff}
.foot-about{font-size:14.5px;line-height:1.6;color:#8FB5A6;max-width:300px}
.foot-bottom{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:48px;padding-top:24px;border-top:1px solid rgba(166,227,193,.18);font-size:13px;color:#8FB5A6;flex-wrap:wrap}
.foot-bottom .links{display:flex;gap:22px}
.foot-bottom .links a{color:#8FB5A6}
.foot-bottom .links a:hover{color:#fff}

/* Responsive */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero-art{min-height:300px}
  .split{grid-template-columns:1fr;gap:32px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:1fr}
  .stat-row{grid-template-columns:repeat(2,1fr);gap:32px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
}
@media (max-width:640px){
  section{padding:60px 0}
  .hero{padding:48px 0 60px}
  .nav-links{position:absolute;top:74px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;gap:0;padding:8px 24px 16px;display:none;box-shadow:0 12px 24px rgba(11,46,43,.08)}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 0;width:100%;border-bottom:1px solid var(--line)}
  .nav-cta .btn{display:none}
  .menu-btn{display:block}
  .grid-2,.grid-4{grid-template-columns:1fr}
  .values-row{grid-template-columns:1fr 1fr;gap:20px}
  .value+.value{border-left:0}
  .field.row2{grid-template-columns:1fr}
  .cta-band{padding:52px 24px}
  .form-card{padding:24px}
  .foot-grid{grid-template-columns:1fr}
  .float.a{left:8px}.float.b{right:8px}
}