:root {
  --black: #101114;
  --ink: #111827;
  --muted: #596170;
  --line: #e8ecf2;
  --white: #ffffff;
  --cream: #fffaf0;
  --gold: #d99a0b;
  --gold-dark: #ad7800;
  --blue: #2367b0;
  --blue-soft: #eaf3ff;
  --green: #1f9a56;
  --green-soft: #eaf8ef;
  --violet: #7149b8;
  --violet-soft: #f1ecfb;
  --red: #d54545;
  --shadow: 0 18px 45px rgba(17, 24, 39, 0.08);
  --shadow-soft: 0 10px 28px rgba(17, 24, 39, 0.07);
  --radius: 8px;
  --container: 1180px;
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: var(--font, Inter), system-ui, sans-serif;
  line-height: 1.5;
}

img,
svg {
  display: block;
}

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

button,
input,
select {
  font: inherit;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -4rem;
  z-index: 100;
  background: var(--black);
  color: white;
  padding: 0.75rem 1rem;
  border-radius: 6px;
}

.skip-link:focus {
  top: 1rem;
}

.container {
  width: min(var(--container), calc(100% - 32px));
  margin-inline: auto;
}

.section {
  padding: 48px 0;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 8px 24px rgba(17, 24, 39, 0.04);
  backdrop-filter: blur(14px);
}

.header-inner {
  width: min(1240px, calc(100% - 28px));
  min-height: 82px;
  margin-inline: auto;
  display: flex;
  align-items: center;
  gap: 22px;
}

.brand {
  flex: 0 0 auto;
}

.brand img {
  width: 230px;
  height: 66px;
  object-fit: contain;
  object-position: left center;
}

.main-nav {
  margin-left: auto;
  display: flex;
  align-items: center;
  gap: 23px;
  color: #0f172a;
  font-size: 0.94rem;
  font-weight: 700;
}

.main-nav a,
.footer-main a,
.blog-card a {
  transition: color 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}

.main-nav a:hover,
.footer-main a:hover,
.blog-card a:hover {
  color: var(--gold-dark);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

.phone-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--ink);
  font-weight: 800;
  white-space: nowrap;
}

.phone-link svg,
.btn svg,
.card-link svg,
.blog-card a svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex: 0 0 auto;
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  place-items: center;
  gap: 4px;
  padding: 10px;
}

.menu-toggle span {
  width: 20px;
  height: 2px;
  background: var(--ink);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  border-radius: 6px;
  border: 1px solid transparent;
  padding: 0 22px;
  font-size: 0.88rem;
  font-weight: 900;
  text-transform: uppercase;
  text-align: center;
  cursor: pointer;
}

.btn-gold {
  background: linear-gradient(135deg, #f0b429, var(--gold));
  color: white;
  box-shadow: 0 12px 26px rgba(217, 154, 11, 0.28);
}

.btn-gold:hover {
  background: linear-gradient(135deg, #f4be3d, var(--gold-dark));
}

.btn-outline {
  color: var(--ink);
  border-color: #cfd6e2;
  background: white;
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold-dark);
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 58px 0 34px;
  background:
    linear-gradient(90deg, rgba(255, 255, 255, 0.98) 0%, rgba(255, 255, 255, 0.9) 45%, rgba(234, 243, 255, 0.72) 100%),
    radial-gradient(circle at 84% 28%, rgba(35, 103, 176, 0.18), transparent 28rem);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.95fr);
  align-items: center;
  gap: 40px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--gold-dark);
  font-size: 0.82rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero h1 {
  max-width: 710px;
  margin: 0;
  color: #0f172a;
  font-size: clamp(2.3rem, 6vw, 4.75rem);
  line-height: 0.98;
  letter-spacing: 0;
}

.hero-subtitle {
  max-width: 610px;
  margin: 24px 0 0;
  color: #3e4654;
  font-size: clamp(1rem, 2vw, 1.18rem);
}

.hero-buttons,
.trust-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-top: 28px;
}

.trust-row {
  gap: 24px;
  color: #303846;
  font-size: 0.92rem;
  font-weight: 700;
}

.trust-row span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.trust-row svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.hero-visual {
  position: relative;
  min-height: 472px;
  border-radius: 8px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.18), rgba(255, 255, 255, 0.84)),
    linear-gradient(135deg, #f9fbff, #e8f3fd);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.hero-logo-card {
  position: absolute;
  left: 26px;
  top: 24px;
  width: 248px;
  padding: 14px;
  border-radius: 8px;
  background: white;
  box-shadow: var(--shadow-soft);
}

.hero-logo-card img {
  width: 100%;
  height: auto;
}

.family-portrait {
  position: absolute;
  inset: 150px 22px 0;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  gap: 14px;
}

.person {
  width: 102px;
  border-radius: 56px 56px 8px 8px;
  background: linear-gradient(180deg, #e6eef7, #bfd4e6);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.7), 0 20px 30px rgba(16, 17, 20, 0.08);
}

.person::before {
  content: "";
  display: block;
  width: 58px;
  height: 58px;
  margin: -34px auto 10px;
  border-radius: 999px;
  background: linear-gradient(135deg, #c98d65, #f0c7a5);
  box-shadow: 0 0 0 10px rgba(17, 24, 39, 0.06);
}

.person-one {
  height: 202px;
  background: linear-gradient(180deg, #dceeff, #a9cbe8);
}

.person-two {
  height: 244px;
  background: linear-gradient(180deg, #fff0df, #dfc5ac);
}

.person-three {
  height: 180px;
  background: linear-gradient(180deg, #fdf7ee, #e8d7c2);
}

.person-four {
  height: 222px;
  background: linear-gradient(180deg, #f6f7f9, #d4dce5);
}

.support-note {
  position: absolute;
  right: 24px;
  bottom: 36px;
  max-width: 300px;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  border-radius: 8px;
  background: #2767ad;
  color: white;
  font-weight: 800;
  box-shadow: 0 16px 36px rgba(39, 103, 173, 0.35);
}

.support-note svg {
  width: 42px;
  height: 42px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.services {
  padding-top: 22px;
}

.card-grid,
.service-grid,
.situation-grid,
.blog-grid,
.steps,
.benefit-grid,
.footer-main {
  display: grid;
  gap: 20px;
}

.service-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.service-card,
.situation-grid article,
.blog-card,
.contact-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: white;
  box-shadow: var(--shadow-soft);
}

.service-card {
  min-height: 300px;
  display: flex;
  flex-direction: column;
  padding: 24px;
}

.icon-badge {
  width: 68px;
  height: 68px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  margin-bottom: 18px;
}

.icon-badge svg,
.situation-grid svg {
  width: 35px;
  height: 35px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.service-card h3,
.blog-card h3,
.situation-grid h3,
.steps h3 {
  margin: 0;
  color: #111827;
}

.service-card p {
  margin: 10px 0 22px;
  color: #374151;
}

.card-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-top: auto;
  min-height: 44px;
  border: 1px solid currentColor;
  border-radius: 6px;
  padding: 0 14px;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
}

.service-card.blue .icon-badge {
  background: var(--blue-soft);
  color: var(--blue);
}

.service-card.green .icon-badge,
.service-card.green .card-link {
  background: var(--green-soft);
  color: var(--green);
}

.service-card.gold .icon-badge,
.service-card.gold .card-link {
  background: var(--cream);
  color: var(--gold-dark);
}

.service-card.violet .icon-badge,
.service-card.violet .card-link {
  background: var(--violet-soft);
  color: var(--violet);
}

.highlight-panel {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: 32px;
  padding: 34px;
  border-radius: 8px;
  background:
    linear-gradient(90deg, #fff9ec 0%, #ffffff 52%, #ecf8f2 100%);
  box-shadow: var(--shadow-soft);
}

.price-seal {
  width: 96px;
  height: 96px;
  display: grid;
  place-items: center;
  border: 3px solid var(--gold);
  border-radius: 50%;
  color: white;
  background: radial-gradient(circle, var(--gold) 0 43%, white 44% 100%);
  font-size: 1.8rem;
  font-weight: 900;
}

.highlight-panel h2 {
  max-width: 660px;
  margin: 0 0 10px;
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  line-height: 1.12;
}

.highlight-panel p,
.highlight-panel small {
  color: #374151;
}

.highlight-panel p {
  max-width: 780px;
  margin: 0 0 10px;
}

.section-heading {
  text-align: center;
  margin-bottom: 24px;
}

.section-heading.left {
  text-align: left;
}

.section-heading h2 {
  margin: 0;
  font-size: clamp(1.55rem, 3vw, 2.1rem);
  line-height: 1.15;
}

.situation-grid {
  grid-template-columns: repeat(6, minmax(0, 1fr));
}

.situation-grid article {
  min-height: 194px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 24px 16px;
}

.situation-grid article:nth-child(1) svg {
  color: var(--red);
}

.situation-grid article:nth-child(2) svg,
.situation-grid article:nth-child(4) svg {
  color: var(--blue);
}

.situation-grid article:nth-child(3) svg {
  color: var(--gold-dark);
}

.situation-grid article:nth-child(5) svg {
  color: var(--green);
}

.situation-grid article:nth-child(6) svg {
  color: var(--violet);
}

.situation-grid h3 {
  margin-top: 18px;
  font-size: 1rem;
}

.situation-grid p {
  margin: 8px 0 0;
  color: #4b5563;
  font-size: 0.9rem;
}

.how-it-works {
  background: linear-gradient(180deg, #f8fbff, #ffffff);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.steps {
  grid-template-columns: repeat(4, minmax(0, 1fr));
  position: relative;
}

.steps article {
  text-align: center;
  padding: 10px 18px;
}

.steps span {
  width: 64px;
  height: 64px;
  display: grid;
  place-items: center;
  margin: 0 auto 14px;
  border: 1px solid #d8e1ee;
  border-radius: 50%;
  background: white;
  color: var(--gold-dark);
  font-size: 1.25rem;
  font-weight: 900;
  box-shadow: var(--shadow-soft);
}

.steps h3 {
  font-size: 1rem;
}

.content-contact {
  background: #fbfcfe;
}

.split-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(360px, 0.9fr);
  gap: 34px;
  align-items: start;
}

.blog-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.blog-card {
  overflow: hidden;
}

.blog-image {
  min-height: 136px;
  background:
    linear-gradient(135deg, rgba(17, 24, 39, 0.08), rgba(255, 255, 255, 0.24)),
    linear-gradient(135deg, #eaf3ff, #fff8e7);
}

.blog-image.medicaid {
  background:
    radial-gradient(circle at 35% 36%, #f1c19e 0 16%, transparent 17%),
    linear-gradient(135deg, #eaf3ff, #f8fbff);
}

.blog-image.medicare {
  background:
    radial-gradient(circle at 65% 38%, #d4b092 0 15%, transparent 16%),
    linear-gradient(135deg, #fff6df, #eaf3ff);
}

.blog-image.marketplace {
  background:
    radial-gradient(circle at 50% 34%, #f0c4a1 0 15%, transparent 16%),
    linear-gradient(135deg, #ecf8f2, #eaf3ff);
}

.blog-card h3,
.blog-card p,
.blog-card a {
  margin-inline: 18px;
}

.blog-card h3 {
  margin-top: 18px;
  font-size: 1rem;
  line-height: 1.25;
}

.blog-card p {
  min-height: 72px;
  margin-top: 9px;
  color: #4b5563;
  font-size: 0.92rem;
}

.blog-card a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 900;
  text-transform: uppercase;
}

.contact-card {
  padding: 28px;
}

.contact-card h2 {
  margin: 0;
  font-size: 1.65rem;
}

.contact-card > p {
  margin: 6px 0 20px;
  color: #4b5563;
}

.lead-form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.form-row,
.consent {
  display: grid;
  gap: 6px;
}

.form-row.full,
.lead-form .full {
  grid-column: 1 / -1;
}

label {
  color: #303846;
  font-size: 0.84rem;
  font-weight: 700;
}

input,
select {
  width: 100%;
  min-height: 44px;
  border: 1px solid #d8dee8;
  border-radius: 5px;
  background: white;
  padding: 0 12px;
  color: var(--ink);
}

input:focus,
select:focus {
  outline: 3px solid rgba(217, 154, 11, 0.2);
  border-color: var(--gold);
}

.consent {
  grid-template-columns: auto 1fr;
  gap: 10px;
  align-items: start;
  font-size: 0.82rem;
  line-height: 1.42;
}

.consent input {
  width: 18px;
  height: 18px;
  min-height: 0;
  margin-top: 2px;
}

.honeypot {
  position: absolute;
  left: -9999px;
  opacity: 0;
}

.form-success {
  margin: 0 0 18px;
  border: 1px solid #b7e0c6;
  border-radius: 8px;
  background: #eefaf2;
  color: #126235;
  padding: 14px 16px;
  font-weight: 800;
}

.form-error {
  border-color: #e14c4c;
}

.site-footer {
  background: #111315;
  color: white;
}

.footer-benefits {
  background: #fff8e9;
  color: #14161a;
  border-top: 1px solid #f0e3c9;
}

.benefit-grid {
  grid-template-columns: repeat(5, minmax(0, 1fr));
  padding: 18px 0;
  font-size: 0.86rem;
  font-weight: 800;
}

.footer-main {
  grid-template-columns: 1.5fr repeat(3, 1fr);
  padding: 40px 0 24px;
}

.footer-brand img {
  width: 230px;
  height: auto;
  max-height: 90px;
  object-fit: contain;
  object-position: left center;
  background: white;
  border-radius: 8px;
  padding: 8px;
}

.footer-main h2 {
  margin: 0 0 14px;
  font-size: 1rem;
}

.footer-main a,
.footer-main p {
  display: block;
  color: #d9dde5;
  margin: 0 0 8px;
}

.social-links {
  display: flex;
  gap: 12px;
  margin: 2px 0 16px;
}

.social-links a {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  margin: 0;
  border: 1px solid rgba(255, 255, 255, 0.26);
  border-radius: 50%;
  color: white;
  background: rgba(255, 255, 255, 0.04);
}

.social-links a:hover {
  color: var(--gold);
  border-color: var(--gold);
  transform: translateY(-1px);
}

.social-links svg {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.social-links a:first-child svg {
  fill: currentColor;
  stroke: none;
}

.footer-brand p {
  margin-top: 14px;
}

.btn-footer {
  width: fit-content;
  min-height: 40px;
  border-color: rgba(255, 255, 255, 0.28);
  color: white;
  font-size: 0.78rem;
}

.footer-disclaimer {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 16px 0 28px;
  color: #cbd2dc;
  font-size: 0.83rem;
  text-align: center;
}

.footer-disclaimer p {
  margin: 4px 0;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

@media (max-width: 1080px) {
  .header-inner {
    flex-wrap: wrap;
    padding: 10px 0;
  }

  .menu-toggle {
    display: grid;
    margin-left: auto;
  }

  .main-nav,
  .header-actions {
    display: none;
    width: 100%;
  }

  .site-header.nav-open .main-nav,
  .site-header.nav-open .header-actions {
    display: flex;
  }

  .main-nav {
    order: 3;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    border-top: 1px solid var(--line);
    padding-top: 12px;
  }

  .main-nav a {
    padding: 10px 0;
  }

  .header-actions {
    order: 4;
    align-items: stretch;
    flex-direction: column;
    padding-bottom: 10px;
  }

  .hero-grid,
  .split-grid,
  .highlight-panel {
    grid-template-columns: 1fr;
  }

  .service-grid,
  .steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .situation-grid,
  .blog-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .highlight-panel .btn {
    width: fit-content;
  }

  .benefit-grid,
  .footer-main {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .container {
    width: min(100% - 24px, var(--container));
  }

  .section {
    padding: 36px 0;
  }

  .brand img {
    width: 188px;
    height: 56px;
  }

  .hero {
    padding-top: 36px;
  }

  .hero h1 {
    font-size: clamp(2.1rem, 11vw, 3.4rem);
  }

  .hero-buttons .btn,
  .highlight-panel .btn {
    width: 100%;
  }

  .trust-row {
    gap: 14px;
  }

  .hero-visual {
    min-height: 390px;
  }

  .hero-logo-card {
    width: 206px;
    left: 18px;
    top: 18px;
  }

  .family-portrait {
    inset: 138px 14px 0;
    gap: 8px;
  }

  .person {
    width: 72px;
  }

  .person::before {
    width: 44px;
    height: 44px;
  }

  .support-note {
    left: 16px;
    right: 16px;
    bottom: 18px;
    max-width: none;
  }

  .service-grid,
  .situation-grid,
  .steps,
  .blog-grid,
  .benefit-grid,
  .footer-main,
  .lead-form {
    grid-template-columns: 1fr;
  }

  .highlight-panel {
    padding: 24px;
  }

  .price-seal {
    width: 76px;
    height: 76px;
    font-size: 1.3rem;
  }

  .contact-card {
    padding: 22px;
  }
}

/* ═══════════════════════════════════════════
   FAQ SECTION
═══════════════════════════════════════════ */

.faq-section {
  background: #f8fbff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.faq-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: 22px 20px;
  box-shadow: var(--shadow-soft);
}

.faq-item h3 {
  margin: 0 0 10px;
  font-size: 0.97rem;
  font-weight: 800;
  color: var(--ink);
  line-height: 1.3;
}

.faq-item p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--muted);
  line-height: 1.65;
}

.faq-item p a {
  color: var(--blue);
  font-weight: 700;
  text-decoration: underline;
}

/* ═══════════════════════════════════════════
   FORM TRUST NOTE
═══════════════════════════════════════════ */

.form-trust-note {
  grid-column: 1 / -1;
  text-align: center;
  font-size: 0.8rem;
  color: var(--muted);
  margin: 0;
}

/* ═══════════════════════════════════════════
   FOOTER ADDITIONS
═══════════════════════════════════════════ */

.footer-service-area {
  font-size: 0.8rem;
  opacity: 0.8;
  margin-top: 4px !important;
}

.medicare-tpmo-disclaimer {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 12px;
  margin-bottom: 6px;
}

.medicare-tpmo-disclaimer a {
  color: inherit;
  text-decoration: underline;
}

/* ═══════════════════════════════════════════
   FAQ RESPONSIVE
═══════════════════════════════════════════ */

@media (max-width: 1080px) {
  .faq-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  .faq-grid {
    grid-template-columns: 1fr;
  }
}