/* Financial Claim Solutions — homepage stylesheet */
:root{
  --navy:#223C57;
  --navy-deep:#16293D;
  --navy-ink:#2E4258;
  --gold:#F9D064;
  --amber:#DFA92E;
  --amber-dark:#C49220;
  --paper:#F8F7F2;
  --white:#FFFFFF;
  --slate:#43536A;
  --line:#E4E1D8;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Barlow',sans-serif;color:var(--slate);background:var(--paper);font-size:17px;line-height:1.6}
h1,h2,h3,h4{font-family:'Barlow Semi Condensed',sans-serif;color:var(--navy);line-height:1.12}
img{max-width:100%;display:block}
a{text-decoration:none}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Barlow Semi Condensed';font-weight:700;font-size:14px;letter-spacing:.22em;text-transform:uppercase;color:var(--amber);display:inline-flex;align-items:center;gap:10px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--amber)}
.btn{display:inline-block;font-family:'Barlow Semi Condensed';font-weight:700;font-size:17px;letter-spacing:.06em;text-transform:uppercase;padding:16px 34px;border-radius:6px;background:var(--gold);color:var(--navy-deep);transition:transform .15s ease, background .15s ease;box-shadow:0 4px 14px rgba(0,0,0,.18)}
.btn:hover{background:#FBDA82;transform:translateY(-2px)}
.btn:focus-visible{outline:3px solid var(--navy);outline-offset:3px}
.btn.solid-navy{background:var(--navy);color:var(--gold);box-shadow:0 4px 14px rgba(34,60,87,.25)}
.btn.solid-navy:hover{background:var(--navy-deep)}
.assurance{font-size:14px;letter-spacing:.02em;opacity:.85;margin-top:14px}

/* ---------- top bar + nav ---------- */
.topbar{background:var(--navy-deep);color:#B9C6D6;font-size:13.5px;padding:7px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar strong{color:var(--gold);font-weight:600}
header.site{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(10,20,32,.35)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:20px}
.logo img{height:46px;width:auto;border-radius:3px}
nav.main{display:flex;align-items:center;gap:28px}
nav.main a{font-family:'Barlow Semi Condensed';font-weight:600;font-size:15.5px;letter-spacing:.08em;text-transform:uppercase;color:#DCE5EE}
nav.main a:hover{color:var(--gold)}
nav.main .btn{padding:11px 22px;font-size:14.5px}

/* ---------- hero ---------- */
.hero{background:var(--navy);color:#E7EDF4;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:
  radial-gradient(ellipse at 78% 30%, rgba(249,208,100,.10), transparent 55%),
  linear-gradient(160deg, rgba(255,255,255,.03), transparent 40%);pointer-events:none}
.hex-field{position:absolute;right:-60px;top:-40px;width:520px;opacity:.14;pointer-events:none}
.hero .wrap{position:relative;z-index:2;padding-top:88px;padding-bottom:96px;max-width:980px;text-align:center}
.hero .eyebrow{color:var(--gold)}
.hero .eyebrow::before,.hero .eyebrow::after{content:"";width:26px;height:2px;background:var(--gold)}
.hero h1{font-size:clamp(38px,5.6vw,64px);font-weight:800;color:var(--white);text-transform:uppercase;margin:20px auto 18px;max-width:840px}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p.lede{font-size:19px;max-width:640px;margin:0 auto 34px;color:#C7D2DE}
.hero .assurance{color:#9FB0C2}
.hero .assurance b{color:var(--gold);font-weight:600}

/* ---------- trust badges ---------- */
.badges{background:var(--white);border-bottom:1px solid var(--line)}
.badges .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0;padding-top:44px;padding-bottom:44px}
.badge{padding:0 28px;border-left:1px solid var(--line)}
.badge:first-child{border-left:none}
.badge .hex{margin-bottom:14px}
.badge h4{font-size:17px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px}
.badge p{font-size:15px;line-height:1.5}
.hex{width:52px;height:58px;display:grid;place-items:center;position:relative;flex:none}
.hex svg.cell{position:absolute;inset:0;width:100%;height:100%}
.hex svg.glyph{position:relative;width:24px;height:24px;stroke:var(--navy);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}

/* ---------- claim signs ---------- */
.signs{padding:96px 0}
.signs .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:center}
.signs h2{font-size:clamp(30px,3.6vw,44px);margin:14px 0 12px}
.signs p.intro{margin-bottom:30px}
.sign{display:flex;gap:18px;padding:16px 0;border-bottom:1px solid var(--line);align-items:flex-start}
.sign:last-of-type{border-bottom:none}
.sign .hexnum{width:40px;height:45px;flex:none;display:grid;place-items:center;position:relative}
.sign .hexnum svg{position:absolute;inset:0;width:100%;height:100%}
.sign .hexnum span{position:relative;font-family:'Barlow Semi Condensed';font-weight:800;font-size:16px;color:var(--navy)}
.sign p{font-size:16.5px;padding-top:8px}
.sign p b{color:var(--navy);font-weight:600}
.signs .btn{margin-top:30px}
.signs-visual{background:var(--navy);border-radius:14px;padding:44px 40px;color:#DCE5EE;position:relative;overflow:hidden}
.signs-visual .hex-field{width:340px;right:-90px;bottom:-80px;top:auto;opacity:.12}
.signs-visual h3{color:var(--white);font-size:26px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.04em}
.signs-visual .big{font-family:'Barlow Semi Condensed';font-weight:800;font-size:78px;color:var(--gold);line-height:1;margin:18px 0 6px}
.signs-visual small{display:block;font-size:14px;letter-spacing:.14em;text-transform:uppercase;color:#9FB0C2}
.signs-visual hr{border:none;border-top:1px solid rgba(255,255,255,.14);margin:26px 0}
.signs-visual p{font-size:15.5px;color:#C7D2DE}

/* ---------- claim options ---------- */
.options{background:var(--white);padding:96px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.options .head{text-align:center;max-width:720px;margin:0 auto 56px}
.options h2{font-size:clamp(30px,3.6vw,44px);margin:14px 0 12px}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-bottom:64px}
.stat{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:34px 30px;text-align:center;position:relative}
.stat::before{content:"";position:absolute;top:0;left:50%;transform:translateX(-50%);width:64px;height:4px;background:var(--gold);border-radius:0 0 4px 4px}
.stat .num{font-family:'Barlow Semi Condensed';font-weight:800;font-size:46px;color:var(--navy);margin-bottom:8px}
.stat h4{font-size:15px;letter-spacing:.14em;text-transform:uppercase;color:var(--amber-dark);margin-bottom:8px}
.stat p{font-size:15px}
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.type{display:flex;gap:18px;align-items:center;background:var(--navy);border-radius:12px;padding:24px 26px}
.type .hex svg.glyph{stroke:var(--navy)}
.type h4{color:var(--white);font-size:18px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:3px}
.type p{color:#AEBDCD;font-size:14.5px;line-height:1.4}
.options .cta-line{text-align:center;margin-top:56px}

/* ---------- who we are ---------- */
.who{padding:96px 0}
.who .wrap{display:grid;grid-template-columns:.95fr 1.05fr;gap:72px;align-items:center}
.who-visual{position:relative}
.who-visual .panel{background:var(--navy);border-radius:14px;aspect-ratio:4/3.4;display:grid;place-items:center;overflow:hidden;position:relative}
.who-visual .panel .hex-field{width:460px;right:-120px;top:-60px;opacity:.16}
.who-visual .panel img{height:64px;width:auto;position:relative;border-radius:4px}
.who-visual .chip{position:absolute;bottom:-22px;right:-14px;background:var(--gold);color:var(--navy-deep);border-radius:10px;padding:16px 22px;font-family:'Barlow Semi Condensed';font-weight:800;font-size:15px;letter-spacing:.1em;text-transform:uppercase;box-shadow:0 10px 26px rgba(20,35,52,.25)}
.who h2{font-size:clamp(30px,3.6vw,44px);margin:14px 0 18px}
.who p{margin-bottom:16px}
.who p.role{background:var(--white);border-left:4px solid var(--gold);border-radius:0 10px 10px 0;padding:18px 22px;font-size:16.5px;color:var(--navy-ink)}
.who .btn{margin-top:14px}

/* ---------- review process ---------- */
.review{background:var(--navy);color:#DCE5EE;padding:96px 0;position:relative;overflow:hidden}
.review .hex-field{width:640px;left:-160px;bottom:-200px;top:auto;right:auto;opacity:.08}
.review .wrap{position:relative;z-index:2}
.review .head{max-width:700px;margin:0 auto 56px;text-align:center}
.review h2{color:var(--white);font-size:clamp(30px,3.6vw,44px);margin:14px 0 14px}
.review .head p{color:#C7D2DE}
.review .head p b{color:var(--gold);font-weight:600}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.step{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.10);border-radius:12px;padding:26px 20px;transition:border-color .2s ease, background .2s ease}
.step:hover{border-color:rgba(249,208,100,.5);background:rgba(255,255,255,.08)}
.step .hex{width:44px;height:49px;margin-bottom:16px}
.step .hex svg.glyph{width:20px;height:20px}
.step h4{color:var(--white);font-size:16.5px;letter-spacing:.04em;margin-bottom:8px}
.step p{font-size:14px;color:#AEBDCD;line-height:1.5}
.review .cta-line{text-align:center;margin-top:52px}

/* ---------- testimonials ---------- */
.reviews{padding:96px 0}
.reviews .head{text-align:center;margin-bottom:52px}
.reviews h2{font-size:clamp(30px,3.6vw,44px);margin:14px 0}
.review-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.rcard{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:28px 26px;display:flex;flex-direction:column;gap:14px}
.stars{color:var(--amber);font-size:17px;letter-spacing:3px}
.rcard p{font-size:15.5px;font-style:italic;color:var(--navy-ink);flex:1}
.rcard cite{font-style:normal;font-family:'Barlow Semi Condensed';font-weight:700;font-size:14px;letter-spacing:.1em;text-transform:uppercase;color:var(--amber-dark)}

/* ---------- final CTA ---------- */
.final{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-deep) 100%);color:var(--white);padding:84px 0;text-align:center;position:relative;overflow:hidden}
.final .hex-field{width:420px;right:-80px;top:-60px;opacity:.12}
.final h2{color:var(--white);font-size:clamp(30px,4vw,48px);text-transform:uppercase;max-width:760px;margin:0 auto 14px;position:relative;z-index:2}
.final h2 em{font-style:normal;color:var(--gold)}
.final p{color:#C7D2DE;max-width:560px;margin:0 auto 32px;position:relative;z-index:2}
.final .btn{position:relative;z-index:2}
.final .assurance{color:#9FB0C2;position:relative;z-index:2}

/* ---------- footer ---------- */
footer.site{background:var(--navy-deep);color:#AEBDCD;padding:72px 0 0}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:44px;padding-bottom:56px}
.foot-grid h4{color:var(--gold);font-size:14px;letter-spacing:.18em;text-transform:uppercase;margin-bottom:14px}
.foot-grid p{font-size:15px;line-height:1.7}
.foot-grid a{color:#DCE5EE}
.foot-grid a:hover{color:var(--gold)}
footer .logo img{height:44px;margin-bottom:18px;border-radius:3px}
.foot-legal{border-top:1px solid rgba(255,255,255,.10);padding:22px 0;font-size:13.5px}
.foot-legal .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:14px}
.foot-legal nav{display:flex;gap:26px;flex-wrap:wrap}
.foot-legal a{color:#8FA1B4;letter-spacing:.08em;text-transform:uppercase;font-size:12.5px}
.foot-legal a:hover{color:var(--gold)}

/* ---------- responsive ---------- */
@media (max-width:1020px){
  .badges .wrap{grid-template-columns:repeat(2,1fr);gap:34px 0}
  .badge:nth-child(3){border-left:none}
  .steps{grid-template-columns:repeat(2,1fr)}
  .step:last-child{grid-column:1/-1}
  .review-grid{grid-template-columns:repeat(2,1fr)}
  .signs .wrap,.who .wrap{grid-template-columns:1fr;gap:48px}
  .foot-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:640px){
  nav.main a:not(.btn){display:none}
  .badges .wrap{grid-template-columns:1fr}
  .badge{border-left:none;padding:0}
  .stat-row,.types,.review-grid,.steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .hero .wrap{padding-top:64px;padding-bottom:72px}
  .who-visual .chip{right:8px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .btn,.step{transition:none}
}