:root {
  --navy: #12365f;
  --blue: #27265f;
  --red: #d71920;
  --light-blue: #eaf4ff;
  --teal: #14a7a0;
  --gold: #f5b942;
  --ink: #172033;
  --muted: #64748b;
  --line: #dbe7f3;
  --paper: #ffffff;
  --soft: #f6f9fd;
  --shadow: 0 24px 70px rgba(18, 54, 95, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: "Inter", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

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

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

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: #fff;
  box-shadow: 0 2px 14px rgba(18, 54, 95, 0.08);
}

.utility-bar {
  background: #27265f;
  color: #fff;
  font-size: 0.76rem;
  font-weight: 800;
}

.utility-inner {
  min-height: 28px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 22px;
}

.utility-inner a::before {
  content: "";
  display: inline-block;
  width: 7px;
  height: 7px;
  margin-right: 8px;
  background: #fff;
  border-radius: 50%;
}

.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo img {
  width: 218px;
  height: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  font-size: 0.84rem;
  font-weight: 700;
  color: #111827;
}

.nav-links a {
  transition: color 0.2s ease;
}

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

.nav-links .active {
  padding: 3px 5px;
  background: rgba(17, 24, 39, 0.12);
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: 770px;
  padding: 245px 0 180px;
  background:
    linear-gradient(90deg, rgba(39, 38, 95, 0.88) 0%, rgba(39, 38, 95, 0.58) 47%, rgba(39, 38, 95, 0.12) 100%),
    url("https://benefitsinacard.com/wp-content/uploads/2026/01/AdobeStock_1261917201.jpeg")
      center/cover;
}

.hero::after {
  content: "";
  position: absolute;
  left: -4%;
  right: -4%;
  bottom: -78px;
  height: 155px;
  background: #fff;
  border-radius: 50% 50% 0 0 / 100% 100% 0 0;
  transform: rotate(-2deg);
}

.hero-grid,
.split-grid,
.guide-inner,
.final-cta-inner {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.hero-grid {
  position: relative;
  z-index: 1;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 540px;
  margin-bottom: 18px;
  color: #fff;
  font-size: clamp(3rem, 5vw, 4.6rem);
  line-height: 0.96;
  letter-spacing: -0.055em;
}

h2 {
  margin-bottom: 18px;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.5rem);
  line-height: 1.02;
  letter-spacing: -0.045em;
}

h3 {
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 1.28rem;
  line-height: 1.2;
}

.hero-text {
  max-width: 590px;
  color: #fff;
  font-size: clamp(1.25rem, 2vw, 1.58rem);
  font-weight: 800;
  line-height: 1.18;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 15px 28px;
  border-radius: 999px;
  font-weight: 800;
  font-size: 0.8rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease,
    background 0.2s ease;
}

.button:hover {
  transform: translateY(-2px);
}

.primary {
  color: var(--red);
  background: #fff;
  box-shadow: 0 18px 38px rgba(0, 0, 0, 0.12);
}

.primary:hover {
  background: #f7f7f7;
}

.secondary {
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--line);
}

.secondary:hover {
  box-shadow: 0 12px 28px rgba(18, 54, 95, 0.12);
}

.hero-promo {
  width: min(430px, 100%);
  justify-self: end;
  align-self: end;
  margin-top: 145px;
  padding: 30px 34px;
  color: #fff;
  background: linear-gradient(180deg, #ed1c24, #c9131a);
  border-radius: 9px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.22);
}

.hero-promo h2 {
  margin-bottom: 8px;
  color: #fff;
  font-size: 1.55rem;
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.hero-promo p {
  margin-bottom: 24px;
  color: #fff;
  font-weight: 800;
  line-height: 1.3;
}

.promo-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.promo-row a {
  color: #fff;
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.promo-row a::after {
  content: "›";
  display: inline-grid;
  width: 18px;
  height: 18px;
  margin-left: 12px;
  place-items: center;
  border: 2px solid #fff;
  border-radius: 50%;
}

.rate-badge {
  position: relative;
  min-width: 118px;
  padding-left: 42px;
  font-weight: 900;
  text-transform: uppercase;
}

.rate-badge::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 50%;
  width: 33px;
  height: 33px;
  display: grid;
  place-items: center;
  color: #27265f;
  background: #f9c44a;
  border-radius: 50%;
  transform: translateY(-50%);
}

.rate-badge span,
.rate-badge small {
  display: block;
  color: #fff;
}

.rate-badge small {
  font-size: 0.58rem;
  letter-spacing: 0.06em;
}

.section {
  padding: 92px 0;
}

.section-heading {
  max-width: 760px;
  margin: 0 auto 46px;
  text-align: center;
}

#solutions {
  padding-top: 62px;
}

#solutions .section-heading h2 {
  font-size: clamp(2rem, 3.6vw, 3.2rem);
}

#solutions .section-heading h2 span {
  color: var(--red);
}

.solution-grid,
.testimonial-grid,
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.solution-card,
.testimonial-grid article,
.blog-grid article,
.steps article {
  padding: 30px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 28px;
  box-shadow: 0 12px 34px rgba(18, 54, 95, 0.07);
}

.solution-card {
  position: relative;
  overflow: hidden;
}

.solution-card::after {
  content: "";
  position: absolute;
  inset: auto -30px -50px auto;
  width: 140px;
  height: 140px;
  background: rgba(20, 167, 160, 0.12);
  border-radius: 999px;
}

.card-icon,
.steps span,
.blog-grid span {
  display: inline-block;
  margin-bottom: 18px;
  color: var(--blue);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.solution-card p,
.steps p,
.blog-grid p,
.testimonial-grid p,
.split p,
.guide-inner p {
  color: var(--muted);
}

.solution-card a,
.blog-grid a {
  position: relative;
  z-index: 1;
  color: var(--blue);
  font-weight: 800;
}

.marketplace {
  padding: 70px 0;
  color: #fff;
  background: linear-gradient(135deg, var(--navy), #0d4d82);
}

.marketplace-inner {
  text-align: center;
}

.marketplace p {
  margin-bottom: 10px;
  color: #aee6ff;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.marketplace h2,
.stats h2 {
  color: #fff;
}

.partner-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 28px;
}

.partner-row span {
  padding: 12px 18px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 999px;
  font-weight: 700;
}

.split {
  background: var(--soft);
}

.feature-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.feature-list div {
  padding: 18px;
  color: var(--navy);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  font-weight: 800;
}

.feature-list div::before {
  content: "";
  display: inline-block;
  width: 10px;
  height: 10px;
  margin-right: 10px;
  background: var(--teal);
  border-radius: 999px;
}

.stats {
  padding: 92px 0;
  text-align: center;
  background:
    radial-gradient(circle at 90% 10%, rgba(245, 185, 66, 0.25), transparent 22%),
    linear-gradient(135deg, #12365f, #0e5c94);
}

.light .eyebrow,
.stats .eyebrow {
  color: #aee6ff;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}

.stats-grid div {
  min-height: 150px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 20px;
  color: #fff;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 24px;
}

.stats-grid strong {
  display: block;
  margin-bottom: 8px;
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1;
}

.stats-grid span {
  color: #d9efff;
  font-size: 0.9rem;
  font-weight: 700;
}

.light-button {
  background: var(--gold);
  color: #16345a;
  box-shadow: none;
}

.how {
  background: linear-gradient(180deg, #fff 0%, var(--soft) 100%);
}

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.steps article {
  border-top: 6px solid var(--teal);
}

.guide-banner {
  padding: 74px 0;
  background: var(--light-blue);
}

.guide-inner {
  padding: 48px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 34px;
  box-shadow: var(--shadow);
}

.testimonials {
  background: #fff;
}

.testimonial-grid article {
  display: flex;
  min-height: 330px;
  flex-direction: column;
}

.testimonial-grid p {
  flex: 1;
  font-size: 1.02rem;
}

.testimonial-grid h3 {
  margin-bottom: 4px;
}

.testimonial-grid span {
  color: var(--muted);
  font-size: 0.92rem;
  font-weight: 700;
}

.center {
  margin-top: 34px;
  text-align: center;
}

.blog {
  background: var(--soft);
}

.blog-grid article {
  min-height: 300px;
}

.question-card {
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--blue)) !important;
}

.question-card h3,
.question-card p {
  color: #fff;
}

.question-card .button {
  margin-top: 18px;
  background: var(--gold);
  color: #16345a;
  box-shadow: none;
}

.final-cta {
  padding: 80px 0;
  color: #fff;
  background:
    linear-gradient(rgba(18, 54, 95, 0.86), rgba(18, 54, 95, 0.86)),
    url("https://benefitsinacard.com/wp-content/uploads/2026/01/AdobeStock_1261917201.jpeg")
      center/cover;
}

.final-cta h2,
.final-cta .eyebrow {
  color: #fff;
}

.final-cta .secondary {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.28);
  color: #fff;
}

.footer {
  padding: 34px 0;
  background: #071d35;
}

.footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.footer img {
  width: 170px;
  filter: brightness(0) invert(1);
}

.footer a {
  margin-left: 24px;
  color: #d9efff;
  font-weight: 700;
}

.sky-widget {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 30;
  width: 150px;
  display: block;
  filter: drop-shadow(0 7px 14px rgba(0, 0, 0, 0.35));
  transition:
    transform 0.2s ease,
    filter 0.2s ease;
}

.sky-widget:hover {
  transform: translateY(-3px);
  filter: drop-shadow(0 10px 18px rgba(0, 0, 0, 0.42));
}

.sky-widget img {
  width: 100%;
  height: auto;
  display: block;
}

@media (max-width: 1000px) {
  .hero-grid,
  .split-grid,
  .guide-inner,
  .final-cta-inner {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
    padding: 150px 0 130px;
  }

  .hero-promo {
    justify-self: start;
    margin-top: 28px;
  }

  .solution-grid,
  .testimonial-grid,
  .blog-grid,
  .steps {
    grid-template-columns: 1fr 1fr;
  }

  .stats-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 760px) {
  .container {
    width: min(100% - 28px, 1120px);
  }

  .utility-inner {
    justify-content: center;
    flex-wrap: wrap;
    gap: 8px 14px;
    padding: 7px 0;
  }

  .nav {
    min-height: auto;
    flex-direction: column;
    align-items: flex-start;
    padding: 18px 0;
  }

  .nav-links {
    width: 100%;
    flex-wrap: wrap;
    gap: 10px 14px;
  }

  .logo img {
    width: 190px;
  }

  .section,
  .stats {
    padding: 64px 0;
  }

  .hero {
    padding: 92px 0 110px;
    background-position: 58% center;
  }

  h1 {
    font-size: clamp(2.8rem, 14vw, 4.4rem);
  }

  .solution-grid,
  .testimonial-grid,
  .blog-grid,
  .steps,
  .stats-grid,
  .feature-list {
    grid-template-columns: 1fr;
  }

  .hero-promo {
    padding: 24px;
  }

  .promo-row {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero::after {
    bottom: -56px;
    height: 112px;
  }

  .sky-widget {
    right: 14px;
    bottom: 14px;
    width: 112px;
  }

  .guide-inner {
    padding: 28px;
  }

  .footer-inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .footer a {
    display: inline-block;
    margin: 12px 18px 0 0;
  }
}