/* Claims For You — teal / gold / orange MVA theme */
:root{
  --teal-1:#0E4B45; --teal-2:#15655B; --teal-3:#0A3A35; --teal-tint:#E4F1EE;
  --gold:#E2A72E; --gold-2:#F3C64F; --gold-ink:#3A2A05;
  --orange:#E15C29; --orange-2:#F27a3d; --orange-soft:#FCE7DA;
  --cream:#FBF4E0; --cream-2:#FDF8EC;
  --ink:#0B1524; --bg:#FFFFFF; --bg-gray:#F2F5F7; --surface:#FFFFFF;
  --text:#15293C; --muted:#5C6E7E; --border:#E4E9EF; --border-2:#D0D9E2;
  --ok:#12876A; --err:#C0392B; --shield:#3E86DE; --shield-2:#7FB4EE;
  --shadow-sm:0 1px 2px rgba(11,21,36,.06),0 2px 8px rgba(11,21,36,.05);
  --shadow-md:0 16px 36px -16px rgba(11,21,36,.26),0 4px 12px -6px rgba(11,21,36,.12);
  --shadow-lg:0 44px 90px -36px rgba(11,21,36,.45),0 14px 34px -18px rgba(14,75,69,.3);
  --r-sm:10px; --r:16px; --r-lg:24px; --r-pill:999px; --maxw:1200px;
  --font-display:"Poppins",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--font-body);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%;display:block}
a{color:var(--teal-1);text-decoration:none}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.12;text-wrap:balance;
  letter-spacing:-.01em;margin:0;color:var(--ink)}
p{margin:0}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-weight:700;font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;color:var(--orange);margin:0 0 14px}
.section{padding:84px 0}
.section__head{max-width:740px;margin:0 0 48px}
.section__head.center{margin-left:auto;margin-right:auto;text-align:center}
.h2{font-size:clamp(1.9rem,4.2vw,2.9rem)}
.lede{font-size:1.13rem;color:var(--muted);margin-top:16px;max-width:62ch}

/* advertising note bar */
.notebar{background:#EEF3F6;color:#3d4b58;text-align:center;font-size:.82rem;padding:9px 16px;border-bottom:1px solid var(--border)}
.notebar b{color:var(--ink)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;font-family:var(--font-body);
  font-weight:700;font-size:1.02rem;padding:15px 30px;border-radius:var(--r-pill);border:1.5px solid transparent;
  cursor:pointer;transition:transform .16s,box-shadow .16s,filter .16s;line-height:1;white-space:nowrap}
.btn svg{width:1.05em;height:1.05em}
.btn--go{background:linear-gradient(120deg,var(--gold),var(--gold-2));color:var(--gold-ink);
  box-shadow:0 10px 26px -8px rgba(226,167,46,.75)}
.btn--go:hover{transform:translateY(-2px);box-shadow:0 16px 32px -8px rgba(226,167,46,.85);filter:brightness(1.03)}
.btn--go:active{transform:translateY(0)}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn--ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn--onink{background:#fff;color:var(--ink)}
.btn--onink:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.microcopy{font-size:.85rem;color:var(--muted);margin-top:13px}

/* header */
.hdr{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.94);
  backdrop-filter:saturate(1.3) blur(10px);-webkit-backdrop-filter:saturate(1.3) blur(10px);
  border-bottom:1px solid var(--border);transition:box-shadow .3s}
.hdr.is-stuck{box-shadow:var(--shadow-sm)}
.hdr__in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:78px}
.brand{display:flex;align-items:center;gap:12px}
.brand__mark{width:46px;height:46px;flex:none}
.brand__tx{display:flex;flex-direction:column;line-height:1.05}
.brand__tx b{font-family:var(--font-display);font-weight:800;font-size:1.24rem;color:var(--ink);letter-spacing:-.01em}
.brand__tx b span{color:var(--orange)}
.brand__tx small{font-size:.63rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:600}
.nav{display:flex;align-items:center;gap:30px}
.nav a{color:var(--text);font-weight:600;font-size:.97rem;opacity:.86;transition:opacity .15s,color .15s}
.nav a:hover{opacity:1;color:var(--teal-1)}
.hdr__cta{display:flex;align-items:center;gap:16px}
.hdr .btn{padding:12px 22px;font-size:.95rem}
.navtoggle{display:none;background:none;border:1px solid var(--border-2);border-radius:10px;width:44px;height:44px;cursor:pointer;color:var(--text)}
@media (max-width:920px){.nav{display:none}.navtoggle{display:inline-flex;align-items:center;justify-content:center}
  body.nav-open .nav{display:flex;position:absolute;top:78px;left:0;right:0;flex-direction:column;align-items:flex-start;
    gap:14px;background:#fff;border-bottom:1px solid var(--border);padding:18px 24px;box-shadow:var(--shadow-md);z-index:899}}

/* hero */
.hero{position:relative;background:linear-gradient(150deg,var(--teal-3) 0%,var(--teal-1) 45%,var(--teal-2) 100%);
  color:#EAF4F1;padding:70px 0 88px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;opacity:.16;
  background:repeating-linear-gradient(115deg,rgba(255,255,255,.14) 0 2px,transparent 2px 26px)}
.hero::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
  background:radial-gradient(55% 70% at 90% 20%,rgba(226,167,46,.22),transparent 60%)}
.hero__grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
@media (max-width:960px){.hero__grid{grid-template-columns:1fr;gap:40px}}
.hero__badge{display:inline-flex;align-items:center;gap:9px;background:linear-gradient(120deg,var(--orange),var(--orange-2));
  border-radius:var(--r-pill);padding:9px 18px;font-size:.82rem;font-weight:700;color:#fff;letter-spacing:.02em;
  margin-bottom:22px;box-shadow:0 10px 22px -8px rgba(225,92,41,.7)}
.hero__badge svg{width:15px;height:15px}
.hero h1{font-size:clamp(2.4rem,5.6vw,4rem);font-weight:800;color:#fff;line-height:1.04}
.hero h1 .accentword{color:var(--gold-2)}
.hero__sub{font-family:var(--font-display);font-weight:600;font-size:clamp(1.15rem,2.4vw,1.55rem);color:#CFE6E1;margin-top:12px}
.hero__p{font-size:1.1rem;color:rgba(234,244,241,.84);margin-top:20px;max-width:52ch}
.hero__cta{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:30px}
.trustrow{display:flex;gap:24px;flex-wrap:wrap;margin-top:32px;padding-top:24px;border-top:1px solid rgba(255,255,255,.16)}
.trustrow .ti{display:flex;align-items:center;gap:9px;font-weight:600;font-size:.92rem;color:#EAF4F1}
.trustrow .ti svg{width:20px;height:20px;color:var(--gold-2);flex:none}
.hero__art{display:flex;justify-content:center}
.hero__illus{position:relative;width:100%;max-width:560px;background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.14);border-radius:var(--r-lg);padding:20px;box-shadow:var(--shadow-lg)}
@media (min-width:961px){.hero__illus{transform:scale(1.06);transform-origin:center right}}

/* stats bar */
.stats{background:var(--teal-3);color:#fff;padding:24px 0}
.stats__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
@media (max-width:720px){.stats__grid{grid-template-columns:repeat(2,1fr);gap:26px}}
.stat{display:flex;flex-direction:column;align-items:center;gap:6px}
.stat svg{width:26px;height:26px;color:var(--gold-2)}
.stat b{font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:#fff}
.stat span{font-size:.85rem;color:rgba(234,244,241,.72)}

/* form section (cream) */
.formband{background:linear-gradient(180deg,var(--cream),var(--cream-2));position:relative}
.formband .section__head h2{color:var(--ink)}
.formgrid{display:grid;grid-template-columns:.92fr 1.08fr;gap:50px;align-items:start}
@media (max-width:960px){.formgrid{grid-template-columns:1fr;gap:36px}}
.assure{list-style:none;margin:24px 0 0;padding:0;display:flex;flex-direction:column;gap:15px}
.assure li{display:flex;gap:13px;align-items:flex-start}
.assure svg{width:24px;height:24px;color:var(--teal-1);flex:none;margin-top:1px}
.assure b{display:block;font-family:var(--font-body);font-weight:700}
.assure span{color:var(--muted);font-size:.94rem}
.formcard{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);
  box-shadow:var(--shadow-lg);padding:32px}
.formcard__head{margin-bottom:18px}
.formcard__head h3{font-size:1.5rem}
.formcard__head p{color:var(--muted);font-size:.92rem;margin-top:5px}
.formcard__ribbon{position:absolute;top:-13px;left:32px;background:linear-gradient(120deg,var(--orange),var(--orange-2));
  color:#fff;font-weight:700;font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;padding:7px 15px;
  border-radius:var(--r-pill);box-shadow:0 10px 18px -8px rgba(225,92,41,.7)}
.progress{display:flex;align-items:center;gap:10px;margin-bottom:22px}
.progress .pb{flex:1;height:6px;border-radius:999px;background:var(--border)}
.progress .pb.on{background:linear-gradient(90deg,var(--teal-1),var(--teal-2))}
.progress .pl{font-size:.78rem;font-weight:700;color:var(--muted);white-space:nowrap}

/* value cards */
.grid{display:grid;gap:24px}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.grid-4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:28px;box-shadow:var(--shadow-sm);
  transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--border-2)}
.card__ic{width:54px;height:54px;border-radius:14px;background:var(--teal-tint);color:var(--teal-1);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card__ic svg{width:26px;height:26px}
.card h3{font-size:1.18rem;margin-bottom:9px}
.card p{color:var(--muted);font-size:.97rem}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:820px){.steps{grid-template-columns:1fr}}
.step{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:32px 28px;box-shadow:var(--shadow-sm)}
.step__n{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:14px;
  background:linear-gradient(135deg,var(--orange),var(--orange-2));color:#fff;font-family:var(--font-display);
  font-weight:700;font-size:1.3rem;margin-bottom:16px}
.step h3{font-size:1.16rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.97rem}

/* ink band (qualify) */
.band-ink{background:var(--teal-1);color:#EAF4F1;position:relative;overflow:hidden}
.band-ink::after{content:"";position:absolute;inset:0;opacity:.5;pointer-events:none;
  background:radial-gradient(50% 60% at 92% 100%,rgba(226,167,46,.22),transparent 60%)}
.band-ink>*{position:relative;z-index:1}
.band-ink .eyebrow{color:var(--gold-2)}
.band-ink h2{color:#fff}.band-ink .lede{color:rgba(234,244,241,.74)}
.types{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}
@media (max-width:640px){.types{grid-template-columns:1fr}}
.type{display:flex;align-items:center;gap:13px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--r-sm);padding:15px 17px;font-weight:600}
.type svg{width:22px;height:22px;color:var(--gold-2);flex:none}
.band-ink .note{color:rgba(234,244,241,.6);font-size:.9rem;margin-top:24px}

/* questions */
.qwrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:50px;align-items:center}
@media (max-width:900px){.qwrap{grid-template-columns:1fr;gap:34px}}
.qlist{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:13px}
.qlist li{display:flex;gap:13px;align-items:flex-start;font-size:1.04rem;font-weight:500}
.qlist .qm{width:28px;height:28px;border-radius:8px;flex:none;background:var(--orange-soft);color:var(--orange);
  display:flex;align-items:center;justify-content:center;font-weight:800;margin-top:2px}

/* km form skin */
.km-form{--km-accent:var(--gold)}
.cf-step{display:none;flex-direction:column;gap:16px}
.cf-step.is-active,.cf-step.active,.cf-step.km-step--active{display:flex;animation:cf-fade .32s ease}
@keyframes cf-fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.cf-field{display:flex;flex-direction:column;gap:6px}
.cf-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}
@media (max-width:520px){.cf-row{grid-template-columns:1fr}}
.cf-label{font-size:.85rem;font-weight:700;color:var(--text)}
.cf-req{color:var(--orange)}
.cf-input{width:100%;padding:13px 15px;font:inherit;color:var(--text);background:#fff;border:1.5px solid var(--border-2);
  border-radius:var(--r-sm);transition:border-color .15s,box-shadow .15s}
.cf-input::placeholder{color:#93a3b2}
.cf-input:focus{outline:none;border-color:var(--teal-1);box-shadow:0 0 0 4px color-mix(in srgb,var(--teal-1) 15%,transparent)}
select.cf-input{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' stroke='%235C6E7E' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M2 4l5 5 5-5'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.cf-opts{display:flex;gap:12px;flex-wrap:wrap}
.cf-opt{flex:1 1 auto;display:inline-flex;align-items:center;gap:10px;cursor:pointer;padding:13px 18px;
  border:1.5px solid var(--border-2);border-radius:var(--r-sm);background:#fff;font-weight:700;
  transition:border-color .15s,box-shadow .15s,background .15s}
.cf-opt input{accent-color:var(--teal-1);width:18px;height:18px;flex:none}
.cf-opt__mark{display:none}
.cf-opt:has(input:checked){border-color:var(--teal-1);background:var(--teal-tint);box-shadow:inset 0 0 0 1px var(--teal-1)}
.cf-consent-wrap{margin:2px 0}
.cf-consent{display:flex;gap:11px;align-items:flex-start;cursor:pointer;font-size:.78rem;line-height:1.6;color:var(--muted)}
.cf-consent input{margin-top:.28em;flex:none;width:17px;height:17px;accent-color:var(--teal-1)}
.cf-consent__mark{display:none}
.cf-consent__t a{color:var(--teal-1);font-weight:700;text-decoration:underline}
.cf-actions{display:flex;justify-content:space-between;gap:14px;align-items:center;margin-top:4px}
.cf-btn{display:inline-flex;align-items:center;gap:.5em;font:inherit;font-weight:700;font-size:1rem;padding:14px 26px;
  border-radius:var(--r-pill);border:1.5px solid transparent;cursor:pointer;transition:transform .16s,box-shadow .16s,filter .16s}
.cf-btn svg{width:1em;height:1em}
.cf-btn--go{background:linear-gradient(120deg,var(--gold),var(--gold-2));color:var(--gold-ink);
  box-shadow:0 12px 22px -10px rgba(226,167,46,.75);margin-left:auto}
.cf-btn--go:hover{transform:translateY(-2px);filter:brightness(1.04)}
.cf-btn--ghost{background:transparent;color:var(--muted);border-color:var(--border-2)}
.cf-btn--ghost:hover{color:var(--text);border-color:var(--teal-1)}
.cf-btn:disabled{opacity:.6;cursor:not-allowed}
.km-msg{margin:0;font-size:.9rem;font-weight:600}.km-msg:empty{display:none}.km-msg--error{color:var(--err)}
.km-result{padding:22px;border-radius:var(--r);text-align:center}
.km-result--ok{border:1px solid var(--ok);color:var(--ok);background:color-mix(in srgb,var(--ok) 10%,transparent)}
.km-result h3{margin:0 0 6px;color:var(--ok)}

/* FAQ */
.faqband{background:var(--bg-gray)}
.faq{max-width:860px;margin:0 auto}
.acc{border:1px solid var(--border);border-radius:var(--r);background:#fff;margin-bottom:13px;overflow:hidden;box-shadow:var(--shadow-sm)}
.acc__q{width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:21px 24px;display:flex;
  align-items:center;justify-content:space-between;gap:20px;font-family:var(--font-display);font-weight:600;font-size:1.05rem;color:var(--ink)}
.acc__q:focus-visible{outline:3px solid var(--teal-1);outline-offset:-3px}
.acc__ic{flex:none;width:28px;height:28px;border-radius:8px;background:var(--teal-tint);color:var(--teal-1);
  display:flex;align-items:center;justify-content:center;transition:transform .28s}
.acc__ic svg{width:15px;height:15px}
.acc.open .acc__ic{transform:rotate(45deg);background:var(--orange);color:#fff}
.acc__a{max-height:0;overflow:hidden;transition:max-height .32s ease}
.acc__a p{padding:0 24px 22px;color:var(--muted)}

/* orange CTA band */
.finalband{background:linear-gradient(120deg,var(--orange),#C94A1F);color:#fff;text-align:center;padding:80px 0}
.finalband h2{color:#fff;font-size:clamp(2rem,4.4vw,3rem)}
.finalband p{color:rgba(255,255,255,.9);max-width:56ch;margin:16px auto 0;font-size:1.12rem}
.finalband .btn{margin-top:30px}
.finalband .microcopy{color:rgba(255,255,255,.82)}

/* footer */
.foot{background:var(--ink);color:rgba(226,236,244,.72);padding:60px 0 32px}
.foot__top{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.1)}
@media (max-width:820px){.foot__top{grid-template-columns:1fr;gap:28px}}
.foot .brand__tx b{color:#fff}
.foot .brand__tx small{color:rgba(226,236,244,.6)}
.foot__desc{margin-top:15px;font-size:.93rem;max-width:44ch}
.foot h4{color:#fff;font-size:1rem;margin-bottom:14px}
.foot__links{display:flex;flex-direction:column;gap:10px}
.foot__links a{color:rgba(226,236,244,.82);font-weight:500;font-size:.94rem}
.foot__links a:hover{color:var(--gold-2)}
.foot__contact{font-size:.93rem;line-height:1.9}
.foot__contact a{color:rgba(226,236,244,.82)}
.disclaimer{font-size:.81rem;line-height:1.7;color:rgba(226,236,244,.5);margin-top:26px}
.foot__bar{display:flex;flex-wrap:wrap;gap:12px 22px;justify-content:space-between;align-items:center;margin-top:22px;font-size:.84rem}

/* reveal */
.reveal{opacity:0;transform:translateY(20px);transition:opacity .7s cubic-bezier(.16,1,.3,1),transform .7s cubic-bezier(.16,1,.3,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.card,.btn,.cf-step{transition:none}}

/* legal pages */
.legal{max-width:820px;margin:0 auto;padding:60px 0 84px}
.legal h1{font-size:clamp(1.9rem,4vw,2.6rem);margin-bottom:8px}
.legal .updated{color:var(--muted);font-size:.9rem;margin-bottom:32px;padding-bottom:20px;border-bottom:1px solid var(--border)}
.legal h2{font-size:1.35rem;margin:34px 0 12px}
.legal p,.legal li{color:var(--text);font-size:1.01rem}
.legal p{margin:0 0 15px}
.legal ul{margin:0 0 15px;padding-left:22px;display:flex;flex-direction:column;gap:7px}
.legal a{color:var(--teal-1);font-weight:600;text-decoration:underline}
.legal .callout{background:var(--teal-tint);border:1px solid var(--border);border-radius:var(--r);padding:20px 22px;margin:22px 0}
.legal .callout p:last-child{margin-bottom:0}