:root {
  --ink: #17212b;
  --navy: #102337;
  --blue: #244d70;
  --line: #d8e0e4;
  --mist: #eef4f2;
  --white: #fff;
  --green: #4f7c62;
  --gold: #b48b4d;
  --shadow: 0 18px 50px rgba(16, 35, 55, .16);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.55;
  background: var(--white);
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

.site-header {
  position: fixed;
  z-index: 20;
  inset: 0 0 auto 0;
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 56px);
  color: var(--white);
  background: rgba(16, 35, 55, .9);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: 218px;
}
.brand-mark {
  width: 42px;
  height: 42px;
  display: inline-grid;
  place-items: center;
  border: 1px solid rgba(255,255,255,.4);
  background: linear-gradient(135deg, var(--gold), #e0c07a);
  color: var(--navy);
  font-weight: 800;
  font-size: 21px;
}
.brand strong, .brand small { display: block; line-height: 1.1; }
.brand small { margin-top: 3px; color: rgba(255,255,255,.78); }

.site-nav {
  display: flex;
  align-items: center;
  gap: clamp(14px, 2.2vw, 28px);
  font-size: 14px;
  font-weight: 700;
}
.site-nav a { color: rgba(255,255,255,.88); }
.site-nav a:hover, .site-nav a:focus-visible { color: var(--white); }

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid rgba(255,255,255,.35);
  background: transparent;
  color: var(--white);
}
.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: currentColor;
}

.hero {
  position: relative;
  min-height: 92vh;
  display: grid;
  align-items: end;
  overflow: hidden;
  color: var(--white);
}
.hero img, .hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}
.hero img { object-fit: cover; }
.hero-overlay {
  background:
    linear-gradient(90deg, rgba(11,25,40,.94) 0%, rgba(16,35,55,.8) 38%, rgba(16,35,55,.24) 70%, rgba(16,35,55,.1) 100%),
    linear-gradient(0deg, rgba(16,35,55,.84) 0%, rgba(16,35,55,0) 42%);
}
.hero-content {
  position: relative;
  z-index: 2;
  width: min(760px, calc(100% - 36px));
  margin: 0 0 clamp(48px, 9vh, 96px) clamp(18px, 7vw, 92px);
  padding-top: 120px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}
h1, h2, h3, p { overflow-wrap: anywhere; }
h1, h2, h3 { margin: 0; line-height: 1.08; }
h1 { font-size: clamp(42px, 7.2vw, 78px); max-width: 880px; }
h2 { font-size: clamp(30px, 4.2vw, 50px); color: var(--navy); }
h3 { font-size: 21px; color: var(--navy); }
.hero-copy {
  max-width: 660px;
  margin: 22px 0 0;
  color: rgba(255,255,255,.86);
  font-size: 19px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.section-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 800;
  cursor: pointer;
}
.button.primary { color: var(--white); background: var(--green); }
.button.secondary {
  color: var(--white);
  border-color: rgba(255,255,255,.46);
  background: rgba(255,255,255,.08);
}
.button.outline {
  color: var(--navy);
  border-color: #b9c8cf;
  background: var(--white);
}
.button.primary:hover, .button.primary:focus-visible { background: #3f6a52; }

.trust-band {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-band div { padding: 28px clamp(18px, 4vw, 44px); background: var(--white); }
.trust-band strong, .trust-band span { display: block; }
.trust-band strong { color: var(--navy); font-size: 17px; }
.trust-band span { margin-top: 6px; color: #586773; }

.section, .split-section, .forms-section, .about-section {
  padding: clamp(64px, 8vw, 104px) clamp(18px, 5vw, 72px);
}
.about-section {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr);
  gap: clamp(24px, 5vw, 70px);
  align-items: start;
  border-bottom: 1px solid var(--line);
  background: #fbfcfc;
}
.about-section p:not(.eyebrow) {
  margin-top: 0;
  color: #5d6a75;
  font-size: 18px;
}
.section-heading, .forms-heading { max-width: 850px; margin-bottom: 34px; }
.section-heading p:not(.eyebrow), .forms-heading p:not(.eyebrow), .split-section p {
  color: #5d6a75;
  font-size: 17px;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.service-card {
  display: block;
  min-height: 248px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.service-card:hover, .service-card:focus-visible {
  transform: translateY(-3px);
  border-color: #b9c8cf;
  box-shadow: 0 16px 36px rgba(16,35,55,.1);
}
.service-card span {
  display: inline-flex;
  margin-bottom: 24px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 900;
}
.service-card p, .standards-grid p { color: #5b6874; }
.service-card strong {
  display: inline-flex;
  margin-top: 10px;
  color: var(--green);
  font-size: 14px;
}
.capability-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.capability-strip a {
  min-height: 112px;
  display: flex;
  align-items: center;
  padding: 22px;
  border-right: 1px solid var(--line);
  color: var(--navy);
  font-size: 18px;
  font-weight: 800;
  background: #fbfcfc;
}
.capability-strip a:last-child {
  border-right: 0;
}
.capability-strip a:hover,
.capability-strip a:focus-visible {
  color: var(--white);
  background: var(--green);
}

.detail-hero {
  padding: 150px clamp(18px, 5vw, 72px) 70px;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(16,35,55,.96), rgba(16,35,55,.82)),
    url("assets/claims-operations-hero.png") center / cover;
}
.detail-hero .breadcrumb {
  display: inline-flex;
  margin-bottom: 22px;
  color: rgba(255,255,255,.78);
  font-size: 14px;
  font-weight: 700;
}
.detail-hero h1 {
  max-width: 980px;
  font-size: clamp(40px, 6vw, 70px);
}
.detail-hero p:not(.eyebrow) {
  max-width: 760px;
  color: rgba(255,255,255,.84);
  font-size: 19px;
}
.detail-section {
  padding: clamp(58px, 7vw, 92px) clamp(18px, 5vw, 72px);
}
.detail-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: clamp(28px, 5vw, 70px);
  align-items: start;
}
.detail-main h2 {
  margin-top: 0;
  margin-bottom: 18px;
}
.detail-main h3 {
  margin-top: 34px;
}
.detail-main p, .detail-main li {
  color: #5d6a75;
  font-size: 17px;
}
.detail-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 24px 0;
  padding: 0;
  list-style: none;
}
.detail-list li {
  padding: 14px;
  border-left: 4px solid var(--green);
  background: #f6faf9;
}
.detail-aside {
  position: sticky;
  top: 98px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}
.detail-aside h2 {
  font-size: 24px;
}
.detail-aside a {
  display: block;
  padding: 11px 0;
  border-bottom: 1px solid var(--line);
  color: var(--navy);
  font-weight: 800;
}
.detail-aside a:last-child {
  border-bottom: 0;
}
.deliverables {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 28px;
}
.deliverables div {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfc;
}
.deliverables h3 {
  margin-top: 0;
}
.page-cta {
  padding: clamp(54px, 7vw, 84px) clamp(18px, 5vw, 72px);
  color: var(--white);
  background: var(--navy);
}
.page-cta h2 {
  color: var(--white);
}
.page-cta p {
  max-width: 720px;
  color: rgba(255,255,255,.78);
  font-size: 18px;
}

.insight-band {
  margin: 30px 0;
  padding: 28px;
  border-left: 5px solid var(--gold);
  background: #fbf8f0;
}
.insight-band p {
  margin: 0;
  color: #56636d;
  font-size: 18px;
}
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin: 28px 0;
  counter-reset: step;
}
.process-steps div {
  min-height: 170px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfcfc;
}
.process-steps div::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  display: block;
  margin-bottom: 22px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 900;
}
.process-steps h3 {
  font-size: 18px;
}
.scope-table {
  width: 100%;
  margin: 26px 0;
  border-collapse: collapse;
  font-size: 16px;
}
.scope-table th,
.scope-table td {
  padding: 16px;
  border: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}
.scope-table th {
  color: var(--navy);
  background: #f4f7f8;
}
.scope-table td {
  color: #5d6a75;
}
.feature-split {
  display: grid;
  grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr);
  gap: 22px;
  margin: 30px 0;
}
.feature-split > div {
  padding: 24px;
  border-radius: 8px;
  background: var(--navy);
  color: var(--white);
}
.feature-split h3 {
  color: var(--white);
}
.feature-split p,
.feature-split li {
  color: rgba(255,255,255,.76);
}
.feature-split ul {
  margin: 16px 0 0;
  padding-left: 20px;
}
.plain-checklist {
  columns: 2;
  gap: 36px;
  margin: 24px 0;
  padding-left: 20px;
}
.plain-checklist li {
  margin-bottom: 10px;
}
.service-note {
  padding: 18px 20px;
  border: 1px solid #cfdcda;
  border-radius: 8px;
  background: #f6faf9;
  color: #5d6a75;
  font-weight: 700;
}

.split-section {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, .9fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
  background: var(--navy);
}
.split-section h2, .split-section p { color: var(--white); }
.split-section p:not(.eyebrow) { color: rgba(255,255,255,.76); }
.coverage-panel { display: grid; gap: 14px; }
.coverage-panel div {
  padding: 22px;
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 8px;
  background: rgba(255,255,255,.07);
}
.coverage-panel span { display: block; margin-bottom: 6px; color: var(--gold); font-weight: 800; }
.coverage-panel strong { color: var(--white); font-size: 21px; }

.muted { background: var(--mist); }
.network-invite {
  display: grid;
  grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr);
  gap: clamp(24px, 5vw, 70px);
  align-items: start;
}
.network-invite p:not(.eyebrow) {
  margin-top: 0;
  color: #5d6a75;
  font-size: 18px;
}
.network-button { margin-top: 30px; }

.forms-section { background: #f9fbfb; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.intake-form {
  padding: clamp(20px, 3vw, 30px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}
.intake-form h3 { margin-bottom: 20px; }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
label {
  display: grid;
  gap: 7px;
  margin-bottom: 14px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 800;
}
input, select, textarea {
  width: 100%;
  min-height: 44px;
  padding: 10px 11px;
  border: 1px solid #c9d3d8;
  border-radius: 6px;
  color: var(--ink);
  font: inherit;
  background: var(--white);
}
textarea { resize: vertical; }
input:focus, select:focus, textarea:focus {
  outline: 3px solid rgba(79,124,98,.22);
  border-color: var(--green);
}
.upload-field {
  padding: 14px;
  border: 1px dashed #9fb1ba;
  border-radius: 8px;
  background: #f6faf9;
}
.form-note, .form-status { color: #60707a; font-size: 13px; }
.form-status { min-height: 20px; margin-bottom: 0; font-weight: 800; color: var(--green); }

.standards { background: var(--white); }
.standards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.standards-grid div { padding-top: 20px; border-top: 4px solid var(--green); }

.site-footer {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(220px, .8fr) minmax(180px, .45fr);
  gap: 30px;
  padding: 46px clamp(18px, 5vw, 72px);
  color: rgba(255,255,255,.8);
  background: #0d1b29;
}
.footer-brand { color: var(--white); }
.site-footer p { max-width: 650px; }
.footer-links, .legal-links { display: grid; align-content: start; gap: 10px; }
.footer-links a, .legal-links a { color: rgba(255,255,255,.9); }

.policy-content {
  max-width: 860px;
  margin: 0 auto;
  padding: 150px 20px 90px;
}
.policy-content h1 {
  color: var(--navy);
  font-size: clamp(36px, 6vw, 60px);
}
.policy-content h2 {
  margin-top: 36px;
  font-size: 24px;
}
.policy-content p {
  color: #5d6a75;
  font-size: 17px;
}
.policy-content a {
  color: var(--blue);
  font-weight: 800;
}

@media (max-width: 920px) {
  .site-header { align-items: flex-start; flex-wrap: wrap; }
  .nav-toggle { display: inline-block; }
  .site-nav { display: none; width: 100%; padding: 14px 0 4px; flex-direction: column; align-items: flex-start; }
  .site-nav.is-open { display: flex; }
  .hero { min-height: 820px; }
  .hero-content { margin-right: 18px; }
  .trust-band, .about-section, .service-grid, .capability-strip, .split-section, .network-invite, .form-grid, .standards-grid, .site-footer, .detail-layout, .detail-list, .deliverables, .process-steps, .feature-split { grid-template-columns: 1fr; }
  .capability-strip a { border-right: 0; border-bottom: 1px solid var(--line); }
  .capability-strip a:last-child { border-bottom: 0; }
  .detail-aside { position: static; }
  .plain-checklist { columns: 1; }
}

@media (max-width: 640px) {
  .brand { min-width: 0; }
  .brand-mark { width: 38px; height: 38px; }
  .hero { min-height: 760px; }
  .hero-overlay {
    background:
      linear-gradient(90deg, rgba(11,25,40,.94) 0%, rgba(16,35,55,.82) 68%, rgba(16,35,55,.54) 100%),
      linear-gradient(0deg, rgba(16,35,55,.9) 0%, rgba(16,35,55,0) 50%);
  }
  .hero-content { width: calc(100% - 32px); margin: 0 16px 42px; }
  h1 { font-size: 40px; }
  .hero-copy { font-size: 17px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .button { width: 100%; }
}