/* ============================================================
   NORTHGATE BENEFIT GROUP — Immersive design system
   Mountain-gateway art direction. Photography is the spine.
   ============================================================ */
:root{
  --navy:#001830; --navy-900:#001222; --navy-950:#000B18;
  --navy-800:#04223F; --navy-700:#0B3A6B;
  --blue:#1C6BB0; --blue-light:#3B8FD4;
  --lime:#3E9622; --lime-dark:#2E7318; --lime-bright:#57AC2E;
  --ink:#101A28; --muted:#5A6A7E; --muted-light:#93A3B5;
  --line:#E3E8EF; --bg:#FFFFFF; --bg-soft:#F4F7FB; --bg-dark-soft:#04223F;
  --maxw:1200px; --gutter:56px;
  --shadow:0 20px 60px rgba(8,19,36,.16);
  --shadow-sm:0 6px 24px rgba(8,19,36,.10);
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Inter','Segoe UI',-apple-system,BlinkMacSystemFont,Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
h1,h2,h3,h4{font-family:'Montserrat','Segoe UI',sans-serif;font-weight:800;line-height:1.08;letter-spacing:-.02em;color:var(--navy)}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--gutter)}
.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--lime-dark);display:inline-flex;align-items:center;gap:10px}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--lime);display:inline-block}
.eyebrow.on-dark{color:var(--lime-bright)}
.eyebrow.on-dark::before{background:var(--lime)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 32px;border-radius:4px;font-weight:700;
  font-size:.96rem;letter-spacing:.01em;transition:.25s var(--ease);cursor:pointer;border:2px solid transparent;font-family:'Montserrat',sans-serif}
.btn svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2.5;transition:transform .25s var(--ease)}
.btn:hover svg{transform:translateX(4px)}
.btn-lime{background:var(--lime);color:#0d2606}
.btn-lime:hover{background:var(--lime-bright);transform:translateY(-2px);box-shadow:0 10px 28px rgba(62,150,34,.4)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-700);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn-outline-navy{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline-navy:hover{background:var(--navy);color:#fff}

/* header */
header{position:fixed;top:0;left:0;right:0;z-index:100;transition:.3s var(--ease)}
header .bar{display:flex;align-items:center;justify-content:space-between;height:82px}
header.scrolled{background:rgba(255,255,255,.97);backdrop-filter:blur(12px);box-shadow:0 1px 0 var(--line)}
.brand{display:flex;align-items:center;gap:13px}
.brand img{height:60px;width:auto;transition:.3s;filter:drop-shadow(0 3px 8px rgba(0,0,0,.3))}
header.scrolled .brand img{height:52px}
.brand .bt{font-family:'Montserrat',sans-serif;font-weight:800;font-size:1.12rem;line-height:1;color:#fff;transition:color .3s}
.brand .bt small{display:block;font-size:.58rem;letter-spacing:.24em;font-weight:700;margin-top:4px;opacity:.85}
header.scrolled .brand .bt{color:var(--navy)}
.nav{display:flex;gap:34px;align-items:center}
.nav a{font-weight:600;font-size:.95rem;color:rgba(255,255,255,.9);transition:.2s;position:relative}
.nav a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--lime);transition:width .25s var(--ease)}
.nav a:hover::after{width:100%}
header.scrolled .nav a{color:var(--ink)}
.nav-right{display:flex;align-items:center;gap:22px}
.login{font-weight:700;font-size:.92rem;color:#fff;transition:color .3s}
header.scrolled .login{color:var(--navy)}
.menu-btn{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px}
.menu-btn span{width:26px;height:2px;background:#fff;transition:.3s}
header.scrolled .menu-btn span{background:var(--navy)}
@media(max-width:940px){.nav,.nav-right{display:none}.menu-btn{display:flex}}

/* full-bleed photo section base */
.bleed{position:relative;color:#fff;background-size:cover;background-position:center;overflow:hidden}
.bleed::before{content:"";position:absolute;inset:0;z-index:0}
.bleed>.wrap{position:relative;z-index:2}
.scrim-hero::before{background:radial-gradient(120% 90% at 0% 100%,rgba(0,12,24,.92) 0%,rgba(0,14,28,.55) 22%,rgba(0,14,28,0) 42%),linear-gradient(100deg,rgba(0,15,30,.72) 0%,rgba(0,18,34,.42) 40%,rgba(0,18,34,.12) 70%,rgba(0,18,34,0) 100%),linear-gradient(180deg,rgba(0,18,34,0) 55%,rgba(0,12,24,.55) 100%)}
.scrim-hero h1,.scrim-hero .sub,.scrim-hero .tag{text-shadow:0 2px 18px rgba(0,10,22,.65)}
.hero{background-position:center top!important}.p-hero{background-position:center top!important}.scrim-dark::before{background:linear-gradient(180deg,rgba(8,19,36,.78),rgba(8,19,36,.88))}
.scrim-gateway::before{background:linear-gradient(90deg,rgba(8,19,36,.90) 0%,rgba(8,19,36,.55) 55%,rgba(8,19,36,.25) 100%)}

/* ridge divider (topographic line) */
.topo{position:absolute;left:0;width:100%;z-index:3;line-height:0}
.topo svg{width:100%;height:auto;display:block}

section{padding:110px 0}
.sec-head{max-width:680px}
.sec-head.center{margin-inline:auto;text-align:center}
.sec-head h2{font-size:clamp(2rem,4vw,2.9rem);margin:18px 0 28px}
.sec-head p{font-size:1.15rem;color:var(--muted)}
.on-dark h2,.on-dark h3{color:#fff}
.on-dark p{color:#C6D4E6}

/* footer */
footer{background:var(--navy-950);color:#9FB2C9;padding:76px 0 30px;position:relative}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:48px;margin-bottom:48px}
.foot-brand img{height:52px;width:auto;margin-bottom:20px}
.foot-brand p{font-size:.94rem;max-width:290px;color:#8399B4}
footer h4{color:#fff;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px}
footer ul{list-style:none}
footer li{margin-bottom:11px}
footer li a{font-size:.94rem;color:#9FB2C9;transition:.2s}
footer li a:hover{color:var(--lime-bright);padding-left:4px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:26px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.86rem;color:#6F849E}
.foot-bottom .tag{font-family:'Montserrat';font-weight:700;letter-spacing:.06em;color:#8399B4}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}*{scroll-behavior:auto!important}}

/* ===== Broker marquee (Krystie #7: scrolling brokers we work with) ===== */
.brokers{background:transparent;padding:64px 0 72px;overflow:hidden}
.brokers .sec-head h2{color:var(--navy)}
.brokers .sec-head{margin-bottom:34px}
.marquee{position:relative;width:100%;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee .track{display:flex;width:max-content;gap:18px;animation:scroll-x 38s linear infinite}
.brokers:hover .track{animation-play-state:paused}
.b-tile{display:flex;align-items:center;gap:14px;flex:0 0 auto;padding:18px 26px;background:rgba(0,24,48,.03);border:1px solid rgba(0,24,48,.12);border-radius:14px;min-width:230px}
.b-tile .mono{width:44px;height:44px;border-radius:10px;display:grid;place-items:center;font-weight:800;font-size:1.05rem;color:#001830;background:linear-gradient(135deg,var(--lime),#2E7318);flex:0 0 auto}
.b-tile b{color:var(--navy);font-size:1rem;line-height:1.1;display:block}
.b-tile span{color:#5a6b7e;font-size:.82rem}
@keyframes scroll-x{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.marquee .track{animation:none;flex-wrap:wrap;justify-content:center;width:100%}}

/* ── Mobile gutter: 56px is too wide on phones and clips content ── */
@media(max-width:768px){
  :root{--gutter:22px}
}
@media(max-width:420px){
  :root{--gutter:18px}
}