/* Provider Concerns Solutions — site styles */
:root{
  --navy:#112142;
  --navy-deep:#0a1630;
  --navy-2:#0046c0;
  --sky:#0088cc;
  --teal:#112142;
  --teal-2:#0a1630;
  --link:#0046c0;
  --mint:#e8eef8;
  --sand:#f3f8fc;
  --amber:#fd5f00;
  --amber-2:#e05400;
  --ink:#344c5d;
  --muted:#5f7584;
  --line:#e2e6ec;
  --white:#fff;
  --radius:14px;
  --shadow:0 10px 30px rgba(17,33,66,.08);
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Poppins,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:var(--white)}
img{max-width:100%;height:auto}
a{color:var(--link);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--navy)}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}
.skip:focus{left:10px}

/* Top bar + header */
.topbar{background:var(--navy);color:#cfd8e6;font-size:.86rem}
.topbar .container{display:flex;justify-content:space-between;gap:14px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
.topbar .social{display:flex;gap:14px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;line-height:1.1}
.brand-mark{width:40px;height:40px;flex:none}
.brand small{display:block;font-weight:600;color:var(--muted);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:6px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:8px 11px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--teal);background:var(--mint)}
.nav .btn{margin-left:8px}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:9px 11px;cursor:pointer}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--navy);margin:4px 0}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--teal);color:#fff!important;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:999px;border:2px solid var(--teal);cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s,background .15s}
.btn:hover{background:var(--teal-2);border-color:var(--teal-2);transform:translateY(-1px)}
.btn-accent{background:var(--amber);border-color:var(--amber)}
.btn-accent:hover{background:var(--amber-2);border-color:var(--amber-2)}
.btn-ghost{background:transparent;color:var(--navy)!important;border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff!important;border-color:var(--navy)}
.btn-light{background:#fff;color:var(--navy)!important;border-color:#fff}
.btn-light:hover{background:var(--mint);border-color:var(--mint)}
.nav .btn{padding:10px 18px;color:#fff;background:var(--amber);border-color:var(--amber)}
.nav .btn:hover{background:var(--amber-2);border-color:var(--amber-2);color:#fff}

/* Hero */
.hero{background:linear-gradient(180deg,var(--sand),#fff);padding:72px 0 64px;overflow:hidden}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--navy-2);background:var(--mint);padding:6px 12px;border-radius:999px;margin-bottom:18px}
.lead{font-size:1.15rem;color:var(--muted);max-width:40em}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0 22px}
.checks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 22px;color:var(--navy);font-weight:600;font-size:.95rem}
.checks li::before{content:"✓";color:var(--teal);font-weight:800;margin-right:8px}
.panel{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:26px}
.panel-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.panel-head strong{color:var(--navy)}
.pill{font-size:.75rem;font-weight:700;background:var(--mint);color:var(--teal-2);padding:4px 10px;border-radius:999px}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.stat{background:var(--sand);border-radius:12px;padding:18px}
.stat b{display:block;font-size:2rem;color:var(--navy);line-height:1}
.stat span{font-size:.88rem;color:var(--muted)}
.bar{height:8px;background:var(--line);border-radius:99px;margin-top:10px;overflow:hidden}
.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--navy),var(--sky));border-radius:99px}
.panel-note{font-size:.8rem;color:var(--muted);margin:14px 0 0}

/* Page hero (inner pages) */
.page-hero{background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-2) 130%);color:#dbe4f0;padding:56px 0 50px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.18),transparent 70%)}
.page-hero h1{color:#fff;max-width:22em}
.page-hero .lead{color:#e3f1fb}
.crumbs{font-size:.86rem;margin-bottom:14px}
.crumbs a{color:#9fdcff;text-decoration:none}
.crumbs span{opacity:.7}

/* Sections */
section{padding:76px 0}
.section-alt{background:var(--sand)}
.section-head{max-width:720px;margin:0 0 40px}
.section-head.center{margin:0 auto 44px;text-align:center}
.section-head p{color:var(--muted);font-size:1.08rem}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:box-shadow .2s,transform .2s;display:flex;flex-direction:column}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.card p{color:var(--muted);font-size:.98rem}
.card .more{margin-top:auto;font-weight:700;text-decoration:none}
.icon{width:48px;height:48px;border-radius:12px;background:var(--mint);display:grid;place-items:center;margin-bottom:16px}
.icon svg{width:26px;height:26px;stroke:var(--navy-2);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{display:inline-block;background:#fff;border:1px solid var(--line);padding:9px 16px;border-radius:999px;color:var(--navy);font-weight:600;text-decoration:none;font-size:.95rem}
.chip:hover{border-color:var(--teal);color:var(--teal)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}
.list-check{list-style:none;padding:0;margin:0 0 1em}
.list-check li{padding-left:30px;position:relative;margin-bottom:10px}
.list-check li::before{content:"";position:absolute;left:0;top:.45em;width:18px;height:18px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23112142' stroke-width='3'%3E%3Cpath d='M5 12l5 5L19 7'/%3E%3C/svg%3E") center/12px no-repeat}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{position:relative;padding-top:52px}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.step p{color:var(--muted);font-size:.97rem}

/* Stats band */
.stats-band{background:var(--navy-deep);color:#fff;padding:48px 0}
.stats-band .grid{text-align:center}
.stats-band b{display:block;font-size:2.6rem;line-height:1.1;color:#fff}
.stats-band span{color:#c2d0e3;font-size:.95rem}

/* Trust */
.trust{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.badge{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 18px;font-weight:700;color:var(--navy)}
.badge svg{width:24px;height:24px;stroke:var(--navy-2);fill:none;stroke-width:2}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:1.5rem;color:var(--navy-2);transition:transform .3s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted)}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 140%);color:#e8f1f5;border-radius:22px;padding:46px;display:flex;justify-content:space-between;align-items:center;gap:26px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band p{margin:0;max-width:36em}

/* Forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form .full{grid-column:1/-1}
.form label{display:block;font-weight:600;font-size:.9rem;color:var(--navy);margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1px solid #cdd4de;border-radius:10px;background:#fff;color:var(--ink)}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(0,136,204,.2);border-color:var(--teal)}
.form textarea{min-height:120px;resize:vertical}
.hidden{display:none}
.form-note{font-size:.85rem;color:var(--muted)}
.contact-cards .card{padding:22px}
.contact-cards a{font-weight:700;text-decoration:none}

/* Article */
.article{max-width:760px;margin:0 auto}
.article h2{font-size:1.6rem;margin-top:1.6em}
.article h3{margin-top:1.3em}
.article ul,.article ol{padding-left:1.3em}
.article li{margin-bottom:.5em}
.meta{color:var(--muted);font-size:.9rem;margin-bottom:24px}
table{width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:.95rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left}
th{background:var(--mint);color:var(--navy)}

/* Footer */
.site-footer{background:#112142;color:#b4c2d6;padding:64px 0 24px;font-size:.95rem}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer a{color:#d4ddea;text-decoration:none}
.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:36px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer .brand{color:#fff;margin-bottom:14px}
.site-footer .brand small{color:#8fa1b8}
.newsletter{display:flex;gap:8px;margin-top:10px}
.newsletter input{flex:1;min-width:0;padding:11px 12px;border-radius:10px;border:1px solid #33497a;background:#1a2d57;color:#fff;font:inherit}
.newsletter button{padding:11px 16px}
.footer-bottom{border-top:1px solid #243a68;margin-top:44px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.86rem}
.social-row{display:flex;gap:10px;margin-top:14px}
.social-row a{width:38px;height:38px;border-radius:50%;background:#1c3260;display:grid;place-items:center}
.social-row svg{width:18px;height:18px;fill:#d4ddea}

/* Mobile call bar */
.callbar{display:none}

@media (max-width:980px){
  .hero .container,.split{grid-template-columns:1fr}
  .g3,.g4,.steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav{position:fixed;inset:74px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;padding:16px 22px 24px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none}
  .nav.open{display:flex}
  .nav a{padding:12px}
  .nav .btn{margin:8px 0 0;justify-content:center}
  .menu-toggle{display:block}
}
@media (max-width:640px){
  body{font-size:16px}
  section{padding:56px 0}
  .g2,.g3,.g4,.steps,.form,.footer-grid{grid-template-columns:1fr}
  .topbar .social{display:none}
  .cta-band{padding:30px}
  .hero{padding:48px 0}
  .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--navy);padding:10px;gap:10px}
  .callbar a{flex:1;justify-content:center;padding:11px}
  body{padding-bottom:64px}
}

.page-hero .eyebrow{background:rgba(255,255,255,.18);color:#fff}
.page-hero h1,.hero h1{font-weight:700}
h1,h2{font-weight:700}
/* Home hero: original blue gradient */
.hero{background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-2) 130%);position:relative}
.hero h1{color:#fff}
.hero .lead{color:#e3f1fb}
.hero .eyebrow{background:rgba(255,255,255,.18);color:#fff}
.hero .checks{color:#fff}
.hero .checks li::before{color:#fff}
.hero .btn-ghost{color:#fff!important;border-color:#fff}
.hero .btn-ghost:hover{background:#fff;color:var(--navy)!important}
.hero .panel{border:0;box-shadow:0 20px 50px rgba(17,33,66,.25)}

/* ================= Animations & transitions ================= */
.page-hero::before,.hero::before{content:"";position:absolute;inset:0;background:
 radial-gradient(600px 300px at 85% 10%,rgba(0,136,204,.28),transparent 70%),
 radial-gradient(500px 260px at 10% 110%,rgba(0,70,192,.35),transparent 70%);
 animation:drift 14s ease-in-out infinite alternate;pointer-events:none}
.hero .container,.page-hero .container{position:relative;z-index:1}
@keyframes drift{from{transform:translate3d(0,0,0) scale(1)}to{transform:translate3d(-30px,20px,0) scale(1.06)}}
.page-hero::after{animation:float 9s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(24px)}}

/* entrance on page load */
body{animation:pageIn .5s ease both}
@keyframes pageIn{from{opacity:0}to{opacity:1}}
@keyframes fadeUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:none}}
@keyframes fadeLeft{from{opacity:0;transform:translateX(40px)}to{opacity:1;transform:none}}
.hero .eyebrow,.page-hero .eyebrow,.page-hero .crumbs{animation:fadeUp .7s .05s cubic-bezier(.2,.7,.2,1) both}
.hero h1,.page-hero h1{animation:fadeUp .8s .15s cubic-bezier(.2,.7,.2,1) both}
.hero .lead,.page-hero .lead{animation:fadeUp .8s .28s cubic-bezier(.2,.7,.2,1) both}
.hero .hero-cta,.page-hero .hero-cta{animation:fadeUp .8s .4s cubic-bezier(.2,.7,.2,1) both}
.hero .checks{animation:fadeUp .8s .52s cubic-bezier(.2,.7,.2,1) both}
.hero .panel{animation:fadeLeft .9s .35s cubic-bezier(.2,.7,.2,1) both}
.hero .panel .stat{transition:transform .3s}
.hero .panel .stat:hover{transform:translateY(-3px)}

/* scroll reveal (only when JS is running) */
.js .reveal{opacity:0;transform:translateY(28px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
.js .reveal.in{opacity:1;transform:none}
.bar i{transform-origin:left;transition:transform 1.4s cubic-bezier(.2,.7,.2,1)}
.js .bar i{transform:scaleX(0)}
.js .bar.in i{transform:scaleX(1)}

/* header */
.site-header{transition:box-shadow .3s,background .3s}
.site-header.scrolled{box-shadow:0 6px 24px rgba(17,33,66,.12)}
.nav a{position:relative;transition:color .2s,background .2s}
.nav a:not(.btn)::after{content:"";position:absolute;left:12px;right:12px;bottom:4px;height:2px;background:var(--navy);transform:scaleX(0);transform-origin:left;transition:transform .3s}
.nav a:not(.btn):hover::after,.nav a[aria-current="page"]::after{transform:scaleX(1)}
.nav a:hover,.nav a[aria-current="page"]{color:var(--navy);background:transparent}
.brand-mark{transition:transform .5s cubic-bezier(.2,.7,.2,1)}
.brand:hover .brand-mark{transform:rotate(90deg)}

/* buttons */
.btn{position:relative;overflow:hidden;transition:transform .2s,background .25s,border-color .25s,box-shadow .25s,color .25s}
.btn::after{content:"";position:absolute;top:0;left:-75%;width:50%;height:100%;background:linear-gradient(120deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .6s}
.btn:hover::after{left:130%}
.btn:hover{box-shadow:0 10px 24px rgba(17,33,66,.22);transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-accent{animation:pulse 2.8s 2s ease-out infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(253,95,0,.45)}70%{box-shadow:0 0 0 14px rgba(253,95,0,0)}100%{box-shadow:0 0 0 0 rgba(253,95,0,0)}}
.btn-accent:hover{animation:none}

/* cards */
.card{transition:transform .35s cubic-bezier(.2,.7,.2,1),box-shadow .35s,border-color .35s}
.card:hover{transform:translateY(-6px);box-shadow:0 18px 40px rgba(17,33,66,.12);border-color:#c9d6ea}
.icon{transition:background .35s,transform .45s cubic-bezier(.2,.7,.2,1)}
.icon svg{transition:stroke .35s}
.card:hover .icon{background:var(--navy);transform:rotate(-6deg) scale(1.08)}
.card:hover .icon svg{stroke:#fff}
.card .more{transition:letter-spacing .3s,color .3s}
.card:hover .more{letter-spacing:.02em;color:var(--navy-2)}
.chip{transition:background .25s,color .25s,border-color .25s,transform .25s}
.chip:hover{background:var(--navy);color:#fff;border-color:var(--navy);transform:translateY(-2px)}
.badge{transition:transform .3s,box-shadow .3s}
.badge:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.step::before{transition:transform .4s,background .4s}
.step:hover::before{transform:scale(1.12);background:var(--navy-2)}

/* FAQ */
.faq details{transition:box-shadow .3s,border-color .3s}
.faq details[open]{box-shadow:var(--shadow);border-color:#c9d6ea}
.faq details[open] p{animation:fadeUp .4s ease both}

/* forms */
.form input,.form select,.form textarea{transition:border-color .2s,box-shadow .2s}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--navy-2);box-shadow:0 0 0 4px rgba(0,70,192,.15)}

/* footer + social */
.social-row a{transition:background .3s,transform .3s}
.social-row a:hover{background:var(--sky);transform:translateY(-3px)}
.site-footer a{transition:color .2s,padding-left .2s}
.site-footer li a:hover{padding-left:4px}

/* mobile menu slide */
@media (max-width:980px){
  .nav{display:flex;opacity:0;visibility:hidden;transform:translateY(-12px);transition:opacity .3s,transform .3s,visibility .3s}
  .nav.open{opacity:1;visibility:visible;transform:none}
  .menu-toggle span{transition:transform .3s,opacity .3s}
  .menu-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
  .menu-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
  .menu-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
  .nav a:not(.btn)::after{display:none}
}

/* respect reduced motion */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .js .reveal{opacity:1;transform:none}
  .js .bar i{transform:none}
}
/* Real logo */
.brand-logo{height:52px;width:auto;display:block;transition:transform .4s cubic-bezier(.2,.7,.2,1)}
.brand:hover .brand-logo{transform:scale(1.04)}
.brand-footer{display:inline-block;background:#fff;border-radius:12px;padding:8px 12px;margin-bottom:16px}
.brand-footer .brand-logo{height:46px}
@media (max-width:640px){.site-header .brand-logo{height:44px}}
.newsletter .btn-accent{animation:none}
@media (max-width:640px){.tb-email{display:none}.topbar{font-size:.8rem}}