/* ==========================================================================
   IWM Benefits — Stylesheet
   Design tokens: nude / blush / peach / coral / gold, warm ink text
   Display type: Cormorant Garamond · Body type: Jost
   ========================================================================== */

:root {
  /* Color — brown, gold, and black */
  --nude: #F6EEE3;
  --nude-deep: #E8D7BC;
  --blush: #E4CFA9;
  --blush-soft: #F2E6D2;
  --peach: #C68B4B;
  --coral: #6B4226;
  --coral-deep: #4A2C18;
  --coral-soft: #8B5A34;
  --gold: #C9A24D;
  --gold-light: #E9CD8C;
  --gold-deep: #A67C34;
  --ink: #201610;
  --ink-soft: #5C4A3A;
  --ink-faint: #8F7C6A;
  --cream-card: #FDF7EE;
  --white: #FFFFFF;
  --line: rgba(32, 22, 16, 0.14);

  /* Type */
  --font-display: "Cormorant Garamond", Georgia, serif;
  --font-body: "Jost", "Helvetica Neue", Arial, sans-serif;

  /* Layout */
  --container: 1180px;
  --radius-sm: 10px;
  --radius-md: 18px;
  --radius-lg: 30px;
  --shadow-soft: 0 20px 45px -25px rgba(74, 44, 24, 0.4);
}

/* ---------- Reset ---------- */
*,
*::before,
*::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--nude);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

ul { list-style: none; margin: 0; padding: 0; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  margin: 0;
  font-weight: 600;
  line-height: 1.12;
}

p {
  margin: 0;
  color: var(--ink-soft);
  line-height: 1.7;
}

button { font-family: inherit; cursor: pointer; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

:focus-visible {
  outline: 2px solid var(--coral-deep);
  outline-offset: 3px;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(20px, 5vw, 48px);
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.82rem;
  letter-spacing: 0.02em;
  color: var(--coral-deep);
  margin-bottom: 14px;
}

section { position: relative; }

.section-pad {
  padding: clamp(64px, 9vw, 120px) 0;
}

.section-head {
  max-width: 640px;
  margin-bottom: clamp(36px, 5vw, 56px);
}

.section-head.center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-head h2 {
  font-size: clamp(1.9rem, 1.4rem + 2vw, 2.7rem);
  font-weight: 600;
  margin-bottom: 16px;
}

.section-head p {
  font-size: 1.05rem;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 500;
  border: 1px solid transparent;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease, color 0.25s ease;
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--coral-soft), var(--coral));
  color: var(--white);
  box-shadow: 0 14px 30px -14px rgba(74, 44, 24, 0.55);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 20px 34px -14px rgba(74, 44, 24, 0.65);
}

.btn-secondary {
  background: transparent;
  color: var(--ink);
  border-color: var(--line);
}

.btn-secondary:hover {
  border-color: var(--gold-deep);
  color: var(--gold-deep);
  transform: translateY(-2px);
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold-light), var(--gold-deep));
  color: var(--white);
  box-shadow: 0 14px 30px -14px rgba(166, 124, 52, 0.6);
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 20px 34px -14px rgba(166, 124, 52, 0.7);
}

.btn-icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.btn-block { width: 100%; justify-content: center; }

/* ---------- Header ---------- */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(246, 238, 227, 0.85);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s ease, background 0.3s ease;
}

.site-header.scrolled {
  border-bottom-color: var(--line);
  background: rgba(246, 238, 227, 0.97);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px clamp(20px, 5vw, 48px);
}

.logo {
  display: flex;
  align-items: baseline;
  gap: 8px;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--ink);
}

.logo span {
  font-family: var(--font-body);
  font-size: 0.62rem;
  letter-spacing: 0.14em;
  color: var(--gold-deep);
  align-self: center;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 38px;
}

.nav-links a {
  font-size: 0.98rem;
  color: var(--ink-soft);
  position: relative;
  padding-bottom: 4px;
  transition: color 0.2s ease;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 1px;
  background: var(--coral-deep);
  transition: width 0.25s ease;
}

.nav-links a:hover {
  color: var(--ink);
}

.nav-links a:hover::after {
  width: 100%;
}

.only-mobile { display: none; }

.nav-cta { display: flex; align-items: center; gap: 18px; }

.nav-phone {
  font-size: 0.92rem;
  color: var(--ink-soft);
  display: none;
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
}

.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--ink);
  position: relative;
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.nav-toggle span::before { position: absolute; top: -7px; }
.nav-toggle span::after { position: absolute; top: 7px; }

.nav-toggle.active span { background: transparent; }
.nav-toggle.active span::before { transform: rotate(45deg); top: 0; }
.nav-toggle.active span::after { transform: rotate(-45deg); top: 0; }

/* ---------- Hero ---------- */
.hero {
  padding: clamp(140px, 18vw, 190px) 0 clamp(70px, 9vw, 110px);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  align-items: center;
  gap: clamp(36px, 6vw, 70px);
}

.hero-copy .eyebrow { display: flex; align-items: center; gap: 10px; }

.hero-copy .eyebrow::before {
  content: "";
  width: 30px;
  height: 1px;
  background: var(--gold);
}

.hero h1 {
  font-size: clamp(2.6rem, 1.9rem + 3vw, 4.1rem);
  margin-bottom: 22px;
}

.hero-copy p {
  font-size: 1.12rem;
  max-width: 480px;
  margin-bottom: 34px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 30px;
}

.hero-note {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--ink-faint);
}

.hero-note svg { width: 16px; height: 16px; flex-shrink: 0; color: var(--gold-deep); }

.hero-art {
  position: relative;
  max-width: 480px;
  margin: 0 auto;
}

.hero-art img { animation: floatArt 8s ease-in-out infinite; }

@keyframes floatArt {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

/* Hero load-in sequence (single orchestrated moment) */
.hero-copy .eyebrow,
.hero-copy h1,
.hero-copy p,
.hero-copy .hero-actions,
.hero-copy .hero-note,
.hero-art {
  opacity: 0;
  transform: translateY(16px);
  animation: heroIn 0.7s ease forwards;
}

.hero-copy .eyebrow { animation-delay: 0.05s; }
.hero-copy h1 { animation-delay: 0.16s; }
.hero-copy p { animation-delay: 0.28s; }
.hero-copy .hero-actions { animation-delay: 0.4s; }
.hero-copy .hero-note { animation-delay: 0.5s; }
.hero-art { animation-delay: 0.3s; transform: translateY(10px) scale(0.97); }

@keyframes heroIn {
  to { opacity: 1; transform: translateY(0) scale(1); }
}

/* ---------- About ---------- */
.about {
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 0.75fr 1.25fr;
  gap: clamp(40px, 6vw, 90px);
  align-items: center;
}

.about-badge {
  position: relative;
  max-width: 320px;
  margin: 0 auto;
}

.about-badge .ribbon {
  position: absolute;
  bottom: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--cream-card);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 10px 22px;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 600;
  white-space: nowrap;
  box-shadow: var(--shadow-soft);
}

.about-copy p { margin-bottom: 18px; font-size: 1.05rem; }

.about-copy p:last-child { margin-bottom: 0; }

.about-copy .lede {
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--ink);
  font-style: italic;
}

/* ---------- Coverage cards ---------- */
.coverage {
  background: var(--nude-deep);
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.coverage-card {
  background: var(--cream-card);
  border-radius: var(--radius-md);
  padding: 34px 26px;
  border-top: 3px solid var(--coral);
  box-shadow: var(--shadow-soft);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.coverage-card:nth-child(2) { border-top-color: var(--gold); }
.coverage-card:nth-child(3) { border-top-color: var(--peach); }
.coverage-card:nth-child(4) { border-top-color: var(--coral-deep); }

.coverage-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 26px 50px -22px rgba(74, 44, 24, 0.35);
}

.coverage-icon {
  width: 46px;
  height: 46px;
  margin-bottom: 20px;
  color: var(--coral-deep);
}

.coverage-card h3 {
  font-size: 1.28rem;
  margin-bottom: 10px;
}

.coverage-card p { font-size: 0.96rem; }

.coverage-disclaimer {
  margin-top: 36px;
  font-size: 0.86rem;
  color: var(--ink-faint);
  max-width: 720px;
}

/* ---------- Why choose ---------- */
.why {
  background: var(--white);
}

.why-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: start;
}

.why-visual {
  position: sticky;
  top: 120px;
  border-radius: var(--radius-lg);
  background: linear-gradient(160deg, var(--blush-soft), var(--peach) 120%);
  padding: 46px;
  min-height: 380px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}

.why-visual h3 {
  font-size: 1.7rem;
  color: var(--white);
  margin-bottom: 10px;
}

.why-visual p { color: rgba(255,255,255,0.92); font-size: 0.98rem; }

.why-list { border-top: 1px solid var(--line); }

.why-item {
  display: grid;
  grid-template-columns: 46px 1fr;
  gap: 20px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
}

.why-item svg {
  width: 26px;
  height: 26px;
  color: var(--gold-deep);
}

.why-item h4 {
  font-size: 1.14rem;
  margin-bottom: 6px;
}

.why-item p { font-size: 0.96rem; }

/* ---------- How it works ---------- */
.how {
  background: var(--nude-deep);
}

.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  counter-reset: step;
}

.how-step {
  background: var(--cream-card);
  border-radius: var(--radius-md);
  padding: 40px 30px;
  position: relative;
}

.how-step .step-num {
  font-family: var(--font-display);
  font-size: 3rem;
  color: transparent;
  -webkit-text-stroke: 1.2px var(--gold);
  line-height: 1;
  margin-bottom: 18px;
}

.how-step h3 {
  font-size: 1.3rem;
  margin-bottom: 12px;
}

.how-step p { font-size: 0.98rem; }

.how-step:not(:last-child)::after {
  content: "";
  position: absolute;
  right: -22px;
  top: 50%;
  width: 16px;
  height: 1px;
  background: var(--gold);
  display: none;
}

@media (min-width: 861px) {
  .how-step:not(:last-child)::after { display: block; }
}

/* ---------- FAQ ---------- */
.faq { background: var(--white); }

.faq-list { max-width: 780px; margin: 0 auto; }

.faq-item {
  border-bottom: 1px solid var(--line);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 24px 4px;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.2rem;
  color: var(--ink);
}

.faq-question .plus {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  position: relative;
  transition: transform 0.3s ease, background 0.3s ease;
}

.faq-question .plus::before,
.faq-question .plus::after {
  content: "";
  position: absolute;
  background: var(--gold-deep);
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
}

.faq-question .plus::before { width: 11px; height: 1.4px; }
.faq-question .plus::after { width: 1.4px; height: 11px; transition: opacity 0.25s ease; }

.faq-item.open .faq-question .plus { background: var(--gold); transform: rotate(180deg); }
.faq-item.open .faq-question .plus::before,
.faq-item.open .faq-question .plus::after { background: var(--white); }
.faq-item.open .faq-question .plus::after { opacity: 0; }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}

.faq-answer p {
  padding: 0 40px 24px 4px;
  font-size: 1rem;
}

/* ---------- Contact ---------- */
.contact {
  background: radial-gradient(120% 140% at 20% 20%, var(--coral-soft), var(--coral-deep) 70%);
  color: var(--white);
  overflow: hidden;
  position: relative;
}

.contact::before {
  content: "";
  position: absolute;
  inset: 0;
  background: url('../assets/hero-art.svg') no-repeat;
  background-position: 110% 20%;
  background-size: 480px;
  opacity: 0.14;
  pointer-events: none;
}

.contact-inner {
  position: relative;
  text-align: center;
  max-width: 620px;
  margin: 0 auto;
}

.contact .eyebrow { color: var(--gold-light); }

.contact h2 {
  color: var(--white);
  font-size: clamp(2rem, 1.5rem + 2vw, 2.9rem);
  margin-bottom: 16px;
}

.contact p {
  color: rgba(255,255,255,0.9);
  font-size: 1.1rem;
  margin-bottom: 36px;
}

.contact .btn-gold {
  font-size: 1.08rem;
  padding: 18px 42px;
}

.contact-phone {
  margin-top: 24px;
  font-family: var(--font-display);
  font-size: 1.3rem;
  letter-spacing: 0.02em;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: rgba(255,255,255,0.75);
  padding: clamp(50px, 7vw, 80px) 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}

.footer-brand .logo { color: var(--white); }
.footer-brand .logo span { color: var(--gold-light); }

.footer-brand p {
  color: rgba(255,255,255,0.6);
  margin-top: 16px;
  font-size: 0.95rem;
  max-width: 320px;
}

.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--gold-light);
  margin-bottom: 16px;
  font-weight: 500;
}

.footer-col ul li { margin-bottom: 10px; }

.footer-col a {
  color: rgba(255,255,255,0.7);
  font-size: 0.95rem;
  transition: color 0.2s ease;
}

.footer-col a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
  padding-top: 26px;
  font-size: 0.84rem;
  color: rgba(255,255,255,0.5);
}

.footer-disclaimer {
  max-width: 900px;
  margin-top: 22px;
  font-size: 0.8rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.45);
}

/* ---------- Back to top ---------- */
.to-top {
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--cream-card);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
  z-index: 90;
}

.to-top.visible { opacity: 1; pointer-events: auto; }
.to-top:hover { transform: translateY(-3px); }
.to-top svg { width: 18px; height: 18px; color: var(--coral-deep); }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .coverage-grid { grid-template-columns: repeat(2, 1fr); }
  .why-visual { position: static; }
}

@media (max-width: 900px) {
  .nav-phone { display: none !important; }
}

@media (max-width: 860px) {
  .nav-links {
    position: fixed;
    top: 0;
    right: 0;
    height: 100vh;
    width: min(320px, 78vw);
    background: var(--cream-card);
    flex-direction: column;
    align-items: flex-start;
    justify-content: flex-start;
    padding: 100px 32px 40px;
    gap: 26px;
    transform: translateX(100%);
    transition: transform 0.35s ease;
    box-shadow: -20px 0 40px rgba(32,22,16,0.14);
  }

  .nav-links.open { transform: translateX(0); }

  .nav-links a { font-size: 1.1rem; }

  .only-mobile { display: block; width: 100%; margin-top: 8px; }

  .nav-toggle { display: flex; }

  .nav-scrim {
    position: fixed;
    inset: 0;
    background: rgba(32,22,16,0.4);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.35s ease;
    z-index: 95;
  }

  .nav-scrim.open { opacity: 1; pointer-events: auto; }

  .hero-grid { grid-template-columns: 1fr; }
  .hero-art { order: -1; max-width: 300px; }
  .hero-copy p { max-width: 100%; }

  .about-grid { grid-template-columns: 1fr; }
  .about-badge { margin-bottom: 10px; }

  .coverage-grid { grid-template-columns: 1fr; }

  .why-grid { grid-template-columns: 1fr; }
  .why-visual { min-height: 220px; }

  .how-grid { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
}

@media (max-width: 520px) {
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { justify-content: center; }
  .footer-bottom { flex-direction: column; }
}