*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg: #0f0f0f;
  --surface: #1a1a1a;
  --surface2: #222222;
  --text: #f5f5f0;
  --muted: #888;
  --gold: #e8b84b;
  --gold-dim: rgba(232, 184, 75, 0.15);
  --green: #3ecf8e;
  --green-dim: rgba(62, 207, 142, 0.12);
  --red: #ff6b6b;
  --border: rgba(255,255,255,0.08);
}

html { font-size: 16px; scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--text);
  font-family: 'DM Sans', sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* NAV */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 0 40px;
  height: 64px;
  display: flex;
  align-items: center;
  background: rgba(15,15,15,0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner { width: 100%; max-width: 1100px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; }
.nav-logo { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1.2rem; letter-spacing: -0.03em; color: var(--text); }
.nav-tagline { font-size: 0.8rem; color: var(--muted); letter-spacing: 0.05em; text-transform: uppercase; }

/* HERO */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 40px 80px;
  background: var(--bg);
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(232,184,75,0.06) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { width: 100%; max-width: 900px; margin: 0 auto; }
.hero-eyebrow { font-size: 0.75rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold); font-weight: 500; margin-bottom: 24px; }
.hero-headline {
  font-family: 'Syne', sans-serif;
  font-size: clamp(2.4rem, 5vw, 4rem);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.04em;
  color: var(--text);
  margin-bottom: 28px;
}
.hero-sub { font-size: 1.15rem; color: var(--muted); max-width: 540px; line-height: 1.7; margin-bottom: 56px; }

/* Hero visual */
.hero-visual {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.vet-bill {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 20px 28px;
  text-align: center;
}
.bill-label { display: block; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); margin-bottom: 4px; }
.bill-amount { display: block; font-family: 'Syne', sans-serif; font-size: 2rem; font-weight: 700; color: var(--red); }
.arrow-plus { font-size: 1.5rem; color: var(--muted); font-weight: 300; }
.pocketcover-badge {
  background: var(--gold-dim);
  border: 1px solid rgba(232,184,75,0.3);
  border-radius: 12px;
  padding: 16px 24px;
  text-align: center;
  font-family: 'Syne', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--gold);
  line-height: 1.3;
}
.equals { font-size: 1.5rem; color: var(--muted); font-weight: 300; }
.result-box {
  background: var(--green-dim);
  border: 1px solid rgba(62,207,142,0.3);
  border-radius: 12px;
  padding: 20px 28px;
  text-align: center;
}
.result-label { display: block; font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); margin-bottom: 4px; }
.result-amount { display: block; font-family: 'Syne', sans-serif; font-size: 2.4rem; font-weight: 800; color: var(--green); }
.result-note { display: block; font-size: 0.75rem; color: var(--muted); margin-top: 2px; }

/* SECTION TITLES */
.section-title {
  font-family: 'Syne', sans-serif;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  margin-bottom: 48px;
}
.section-title.light { color: var(--text); }

/* PROBLEM */
.problem { padding: 100px 40px; background: var(--surface); }
.problem-inner { max-width: 1100px; margin: 0 auto; }
.problem-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.problem-card {
  background: var(--surface2);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
}
.problem-icon { font-size: 1.8rem; margin-bottom: 16px; }
.problem-card h3 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1.1rem; margin-bottom: 12px; }
.problem-card p { color: var(--muted); font-size: 0.95rem; line-height: 1.6; }

/* HOW */
.how { padding: 100px 40px; background: var(--bg); }
.how-inner { max-width: 800px; margin: 0 auto; }
.how-intro { font-size: 1.1rem; color: var(--muted); margin-bottom: 56px; margin-top: -32px; }
.steps { display: flex; flex-direction: column; gap: 0; }
.step { display: flex; gap: 32px; align-items: flex-start; }
.step-num {
  font-family: 'Syne', sans-serif;
  font-size: 2.5rem;
  font-weight: 800;
  color: rgba(232,184,75,0.2);
  line-height: 1;
  min-width: 60px;
  padding-top: 4px;
}
.step-body h3 { font-family: 'Syne', sans-serif; font-weight: 700; font-size: 1.2rem; margin-bottom: 8px; }
.step-body p { color: var(--muted); font-size: 0.95rem; line-height: 1.6; }
.step-connector { width: 2px; height: 40px; background: var(--border); margin: 8px 0 8px 29px; }

/* COVERAGE */
.coverage { padding: 100px 40px; background: var(--surface); }
.coverage-inner { max-width: 1100px; margin: 0 auto; text-align: center; }
.coverage-sub { font-size: 1rem; color: var(--muted); margin-bottom: 48px; margin-top: -24px; }
.insurer-grid { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-bottom: 40px; }
.insurer {
  background: var(--surface2);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 10px 22px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text);
}
.coverage-note { font-size: 0.85rem; color: var(--muted); margin-top: 24px; }

/* CLOSING */
.closing { padding: 120px 40px; background: var(--bg); }
.closing-inner { max-width: 700px; margin: 0 auto; text-align: center; }
.closing-stat { margin-bottom: 48px; }
.stat-num { display: block; font-family: 'Syne', sans-serif; font-size: clamp(4rem, 10vw, 7rem); font-weight: 800; letter-spacing: -0.05em; color: var(--text); line-height: 1; }
.stat-label { display: block; font-size: 0.9rem; color: var(--muted); margin-top: 12px; }
.closing-copy { font-size: 1.15rem; color: var(--muted); line-height: 1.7; margin-bottom: 32px; }
.closing-cta {
  font-family: 'Syne', sans-serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--gold);
  letter-spacing: -0.02em;
}

/* FOOTER */
.footer { padding: 40px; border-top: 1px solid var(--border); }
.footer-inner { max-width: 1100px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; }
.footer-logo { font-family: 'Syne', sans-serif; font-weight: 800; font-size: 1rem; }
.footer-copy { font-size: 0.85rem; color: var(--muted); }

/* BUTTONS */
.btn-primary {
  display: inline-block;
  background: var(--gold);
  color: #0f0f0f;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  padding: 14px 32px;
  border-radius: 8px;
  text-decoration: none;
  letter-spacing: -0.01em;
  transition: opacity 0.15s;
}
.btn-primary:hover { opacity: 0.88; }
.btn-large { font-size: 1.1rem; padding: 18px 44px; }
.hero-actions { margin-bottom: 48px; }

/* NAV CTA */
.nav-cta {
  display: inline-block;
  background: var(--gold);
  color: #0f0f0f;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  padding: 8px 20px;
  border-radius: 6px;
  text-decoration: none;
  letter-spacing: -0.01em;
  white-space: nowrap;
  transition: opacity 0.15s;
}
.nav-cta:hover { opacity: 0.88; }

/* CLAIM PAGE */
.claim-page { min-height: 100vh; padding: 100px 40px 80px; background: var(--bg); }
.claim-page-inner { max-width: 680px; margin: 0 auto; }
.claim-header { margin-bottom: 48px; }
.claim-title {
  font-family: 'Syne', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.05;
  margin-bottom: 16px;
  color: var(--text);
}
.claim-subtitle { font-size: 1.05rem; color: var(--muted); line-height: 1.7; max-width: 540px; }

/* FORM */
.claim-form { display: flex; flex-direction: column; gap: 40px; }
.form-section { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 32px; }
.form-section-title {
  font-family: 'Syne', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}
.optional-label { font-family: 'DM Sans', sans-serif; font-size: 0.75rem; font-weight: 400; letter-spacing: 0; text-transform: none; color: var(--muted); }
.form-row { display: flex; flex-direction: column; gap: 20px; }
.form-row.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label { font-size: 0.88rem; font-weight: 500; color: var(--text); letter-spacing: -0.01em; }
.required { color: var(--gold); }
.form-group input, .form-group select {
  background: var(--surface2);
  border: 1px solid var(--border);
  border-radius: 8px;
  color: var(--text);
  font-family: 'DM Sans', sans-serif;
  font-size: 1rem;
  padding: 12px 16px;
  outline: none;
  width: 100%;
  transition: border-color 0.15s;
  appearance: none;
  -webkit-appearance: none;
}
.form-group input:focus, .form-group select:focus { border-color: var(--gold); }
.form-group input::placeholder { color: var(--muted); opacity: 0.6; }
.input-prefix-wrapper { position: relative; }
.input-prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 1rem; pointer-events: none; }
.input-prefix-wrapper input { padding-left: 28px; }
.select-wrapper { position: relative; }
.select-wrapper::after { content: '▾'; position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; font-size: 0.85rem; }
.select-wrapper select { padding-right: 36px; cursor: pointer; }
.select-wrapper select option { background: var(--surface2); color: var(--text); }
.field-hint { font-size: 0.8rem; color: var(--muted); line-height: 1.5; }
.form-error {
  background: rgba(255, 107, 107, 0.1);
  border: 1px solid rgba(255, 107, 107, 0.3);
  border-radius: 10px;
  color: var(--red);
  padding: 14px 20px;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
}

/* GAP PREVIEW */
.gap-preview { background: var(--green-dim); border: 1px solid rgba(62, 207, 142, 0.25); border-radius: 16px; padding: 28px 32px; }
.gap-breakdown { display: flex; flex-direction: column; gap: 12px; }
.gap-item { display: flex; justify-content: space-between; align-items: center; font-size: 0.95rem; }
.gap-item.highlight { border-top: 1px solid rgba(62, 207, 142, 0.2); padding-top: 12px; margin-top: 4px; font-size: 1.1rem; }
.gap-label { color: var(--muted); }
.gap-value { font-family: 'Syne', sans-serif; font-weight: 700; }
.gap-value.red { color: var(--red); }
.gap-value.green { color: var(--green); font-size: 1.4rem; }
.gap-value.muted { color: var(--muted); }
.submit-btn {
  background: var(--gold);
  color: #0f0f0f;
  border: none;
  border-radius: 10px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  padding: 16px 32px;
  cursor: pointer;
  letter-spacing: -0.01em;
  transition: opacity 0.15s;
  align-self: flex-start;
}
.submit-btn:hover { opacity: 0.88; }

/* CONFIRMATION PAGE */
.confirmation-icon {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--green-dim); border: 2px solid rgba(62, 207, 142, 0.4);
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem; color: var(--green); margin: 0 auto 32px;
}
.confirmation-amount { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 32px; margin: 32px 0; text-align: center; }
.conf-label { display: block; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); margin-bottom: 8px; }
.conf-number { display: block; font-family: 'Syne', sans-serif; font-size: clamp(2.4rem, 6vw, 4rem); font-weight: 800; color: var(--green); letter-spacing: -0.04em; }
.confirmation-note { color: var(--muted); font-size: 1rem; margin: 32px 0; }
.confirmation-steps { display: flex; flex-direction: column; gap: 20px; text-align: left; margin: 40px 0 32px; }
.conf-step { display: flex; gap: 16px; align-items: flex-start; }
.conf-step-icon { font-size: 1.4rem; min-width: 32px; padding-top: 2px; }
.conf-step strong { display: block; font-size: 0.95rem; color: var(--text); margin-bottom: 4px; }
.conf-step p { font-size: 0.88rem; color: var(--muted); line-height: 1.5; }
.claim-ref { font-size: 0.85rem; color: var(--muted); margin-bottom: 24px; }
.back-link { display: inline-block; color: var(--gold); text-decoration: none; font-size: 0.9rem; font-weight: 500; }
.back-link:hover { opacity: 0.8; }

/* RESPONSIVE */
@media (max-width: 768px) {
  .nav { padding: 0 20px; }
  .nav-tagline { display: none; }
  .nav-cta { font-size: 0.8rem; padding: 7px 14px; }
  .hero { padding: 100px 20px 60px; }
  .hero-visual { gap: 12px; }
  .problem { padding: 60px 20px; }
  .how { padding: 60px 20px; }
  .coverage { padding: 60px 20px; }
  .closing { padding: 80px 20px; }
  .step { gap: 20px; }
  .step-connector { margin-left: 16px; }
  .footer-inner { flex-direction: column; gap: 8px; text-align: center; }
  .vet-bill, .pocketcover-badge, .result-box { padding: 14px 18px; }
  .bill-amount, .result-amount { font-size: 1.6rem; }
  .claim-page { padding: 90px 20px 60px; }
  .form-section { padding: 24px 20px; }
  .form-row.two-col { grid-template-columns: 1fr; }
  .submit-btn { width: 100%; text-align: center; }
}