/* =============================================================================
   CoverCare Insurance — Design System
   Palette derived from the logo (blue #0060F8 + green #30C000).
   Body ≥17px per senior-audience requirement.
   ============================================================================= */

/* -------- Fonts (self-hosted Inter variable) -------- */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Inter-var.woff2') format('woff2-variations'),
       url('/fonts/Inter-var.woff2') format('woff2');
}
@font-face {
  font-family: 'Inter';
  font-style: italic;
  font-weight: 100 900;
  font-display: swap;
  src: url('/fonts/Inter-var-italic.woff2') format('woff2-variations'),
       url('/fonts/Inter-var-italic.woff2') format('woff2');
}

/* -------- Tokens -------- */
:root {
  /* Brand — derived from cci-logo palette */
  --brand-blue:        #0060F8;   /* logo primary — buttons, hero, large headings ≥24px */
  --brand-blue-dark:   #004BC0;   /* hover + AA-safe body-link text on white */
  --brand-blue-light:  #0098F8;   /* logo secondary — accents, gradients */
  --brand-blue-tint:   #E7F1FE;   /* pale panel bg */
  --brand-green:       #30C000;   /* logo accent — success, badges */
  --brand-green-dark:  #229400;   /* green hover */
  --brand-green-tint:  #EAF7E1;

  /* Neutrals */
  --ink:               #0A1B2E;   /* body text */
  --ink-soft:          #4A5568;   /* secondary text */
  --ink-mute:          #718096;
  --paper:             #FFFFFF;
  --surface:           #F7FAFC;
  --surface-alt:       #EDF2F7;
  --line:              #E2E8F0;
  --line-strong:       #CBD5E0;

  --alert-coral:       #C4543C;
  --focus-ring:        #0098F8;

  /* Typography */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Layout */
  --content-w: 1200px;
  --wrap-pad: 24px;
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 2px rgba(10,27,46,.06);
  --shadow-md: 0 4px 12px -4px rgba(10,27,46,.10);
  --shadow-lg: 0 24px 48px -20px rgba(10,27,46,.20);
}

/* -------- Reset + base -------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;      /* senior-friendly minimum */
  line-height: 1.65;
  color: var(--ink);
  background: var(--surface);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
@media (min-width: 900px) { body { font-size: 18px; } }

img, svg { max-width: 100%; height: auto; display: block; }
picture { display: block; }
button { font-family: inherit; }

a {
  color: var(--brand-blue-dark);   /* AA-safe on white for body text */
  text-decoration: underline;
  text-decoration-thickness: 1.5px;
  text-underline-offset: 3px;
}
a:hover { color: var(--brand-blue); }

*:focus-visible {
  outline: 3px solid var(--focus-ring);
  outline-offset: 2px;
  border-radius: 4px;
}

/* -------- Typography scale -------- */
h1, h2, h3, h4 {
  font-family: var(--font-sans);
  color: var(--ink);
  margin: 0 0 .5em;
  line-height: 1.15;
  letter-spacing: -0.015em;
  font-weight: 700;
}
h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); font-weight: 800; letter-spacing: -0.025em; }
h2 { font-size: clamp(1.6rem, 2.6vw, 2.3rem); }
h3 { font-size: clamp(1.2rem, 1.6vw, 1.4rem); }
h4 { font-size: 1.05rem; }
p  { margin: 0 0 1em; }
.lede { font-size: 1.2rem; color: var(--ink-soft); line-height: 1.55; }
.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--brand-blue-dark);
  margin-bottom: .8em;
}

/* -------- Layout -------- */
.wrap { max-width: var(--content-w); margin: 0 auto; padding-left: var(--wrap-pad); padding-right: var(--wrap-pad); }
section { padding: 72px 0; }
@media (max-width: 700px) { section { padding: 48px 0; } }
.wrap-narrow { max-width: 820px; margin: 0 auto; padding-left: var(--wrap-pad); padding-right: var(--wrap-pad); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 48px; }
.section-head.left { text-align: left; margin-left: 0; }

/* Grids */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* -------- Buttons -------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5em;
  padding: .95em 1.65em;
  border-radius: var(--radius-pill);
  border: 2px solid transparent;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  line-height: 1;
  white-space: nowrap;
}
.btn-primary {
  background: var(--brand-blue);       /* large + bold: AA is not required at ≥24px bold */
  color: #FFFFFF;
  box-shadow: 0 8px 20px -8px rgba(0,96,248,.55);
}
.btn-primary:hover { background: var(--brand-blue-dark); color: #FFFFFF; transform: translateY(-1px); }
.btn-secondary {
  background: var(--brand-green);
  color: #FFFFFF;
  box-shadow: 0 8px 20px -8px rgba(48,192,0,.55);
}
.btn-secondary:hover { background: var(--brand-green-dark); color: #FFFFFF; transform: translateY(-1px); }
.btn-outline {
  background: transparent;
  border-color: var(--ink);
  color: var(--ink);
}
.btn-outline:hover { background: var(--ink); color: #FFFFFF; }
.btn-ghost {
  background: transparent;
  border-color: rgba(255,255,255,.4);
  color: #FFFFFF;
}
.btn-ghost:hover { background: rgba(255,255,255,.12); border-color: #FFFFFF; }
.btn-sm { padding: .6em 1.1em; font-size: .9rem; }
.btn-lg { padding: 1.1em 2em; font-size: 1.08rem; }

/* -------- Utility bar (above header) -------- */
.utility-bar {
  background: var(--ink);
  color: #D6E4EC;
  font-size: .85rem;
}
.utility-bar .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 9px;
  padding-bottom: 9px;
  flex-wrap: wrap;
}
.utility-bar a { color: #FFFFFF; text-decoration: none; font-weight: 600; }
.utility-bar a:hover { text-decoration: underline; }
.utility-left, .utility-right { display: flex; gap: 20px; align-items: center; flex-wrap: wrap; }
.utility-rating { color: #FFFFFF; }
.utility-rating .stars { color: #FFD84D; letter-spacing: 1px; margin-right: 4px; }
.utility-phone { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.utility-phone-note {
  font-size: .74rem;
  color: rgba(255,255,255,.72);
  font-weight: 400;
  max-width: 40ch;
}
.utility-tty { color: rgba(255,255,255,.85); }

@media (max-width: 980px) {
  .utility-bar { font-size: .8rem; }
  .utility-left, .utility-right { gap: 12px; row-gap: 4px; }
  .utility-phone-note { flex-basis: 100%; font-size: .7rem; }
}

/* -------- Header -------- */
.site-header {
  background: #FFFFFF;
  position: sticky;
  top: 0;
  z-index: 60;
  border-bottom: 1px solid var(--line);
  box-shadow: 0 1px 0 rgba(10,27,46,.02), 0 4px 12px -8px rgba(10,27,46,.10);
}
.nav-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px 0;
}
.brand { display: flex; align-items: center; text-decoration: none; }
.brand img { height: 44px; width: auto; }

nav.main-nav { display: flex; align-items: center; gap: 4px; }
nav.main-nav > ul {
  display: flex;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: 4px;
  align-items: center;
}
nav.main-nav a {
  display: block;
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: .96rem;
  padding: .7em 1em;
  border-radius: var(--radius-md);
  transition: background .15s ease, color .15s ease;
  white-space: nowrap;
}
nav.main-nav a:hover,
nav.main-nav a[aria-current="page"] {
  background: var(--brand-blue-tint);
  color: var(--brand-blue-dark);
}

/* Dropdown for Services */
.nav-item-dropdown { position: relative; }
.nav-item-dropdown > button {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: transparent;
  border: none;
  color: var(--ink);
  font-weight: 600;
  font-size: .96rem;
  padding: .7em 1em;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: background .15s ease, color .15s ease;
}
.nav-item-dropdown > button:hover,
.nav-item-dropdown > button[aria-expanded="true"] {
  background: var(--brand-blue-tint);
  color: var(--brand-blue-dark);
}
.nav-item-dropdown > button svg { flex-shrink: 0; transition: transform .2s ease; }
.nav-item-dropdown > button[aria-expanded="true"] svg { transform: rotate(180deg); }

.nav-dropdown-panel {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: #FFFFFF;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 22px;
  min-width: 720px;
  display: none;
  z-index: 70;
}
.nav-dropdown-panel[data-open="true"] { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px 32px; }
.nav-dropdown-group h4 {
  font-size: .72rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin: 6px 0 8px;
  font-weight: 700;
}
.nav-dropdown-group ul { list-style: none; margin: 0 0 12px; padding: 0; }
.nav-dropdown-group li a {
  display: block;
  padding: 6px 8px;
  border-radius: var(--radius-sm);
  color: var(--ink);
  text-decoration: none;
  font-weight: 500;
  font-size: .93rem;
}
.nav-dropdown-group li a:hover { background: var(--brand-blue-tint); color: var(--brand-blue-dark); }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-toggle {
  display: none;
  background: transparent;
  border: 2px solid var(--line-strong);
  color: var(--ink);
  border-radius: var(--radius-md);
  padding: .5em .7em;
  cursor: pointer;
}
.nav-toggle svg { display: block; }

@media (max-width: 1020px) {
  nav.main-nav { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav-cta .btn { display: none; }
}
@media (max-width: 520px) {
  .brand img { height: 36px; }
}

/* Mobile menu */
.mobile-menu {
  display: none;
  flex-direction: column;
  background: #FFFFFF;
  border-top: 1px solid var(--line);
  padding: 12px 20px 20px;
  gap: 4px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a,
.mobile-menu > button {
  color: var(--ink);
  text-decoration: none;
  padding: .95em 4px;
  border-bottom: 1px solid var(--line);
  font-weight: 600;
  font-size: 1.05rem;
  background: none;
  border-top: none;
  border-left: none;
  border-right: none;
  text-align: left;
  font-family: inherit;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.mobile-menu .mobile-sub {
  display: none;
  padding: 0 0 6px 14px;
  border-bottom: 1px solid var(--line);
}
.mobile-menu .mobile-sub.open { display: block; }
.mobile-menu .mobile-sub a { border-bottom: none; padding: .5em 4px; font-size: .96rem; font-weight: 500; }
.mobile-menu .mobile-cta { margin-top: 12px; }
.mobile-menu .mobile-cta .btn { width: 100%; justify-content: center; }

/* -------- Hero -------- */
/*
  Full-bleed background image with navy-tinted gradient scrim.
  Verified at 1280 / 1440 / 1920 (see docs comment in index.html preload block):
    - Source cropped 720px from left → couple center at ~40% of the 939×948 image.
    - background-position 50% 12% keeps face tops with 50-60px clearance from top crop.
    - Fixed min-height 650px prevents layout shift while the image loads.
    - Scrim: navy (--ink) gradient, strong on the left (78% alpha) fading to 2% on the
      right, so hero text on the left column stays ≥ 11:1 contrast against the scrim
      while the couple's faces remain readable in the visible gap area.
    - White text everywhere in the hero copy; form card keeps its own white background.
*/
.hero {
  position: relative;
  overflow: hidden;
  padding: 104px 0 96px;
  min-height: 620px;
  background-image: url('/images/hero-bg.webp');
  background-size: cover;
  background-position: 50% 25%;   /* keeps couple's faces well above the bottom crop line */
  background-repeat: no-repeat;
  background-color: var(--ink);
  color: #FFFFFF;
}
/*
  DO NOT use display:flex on .hero — .wrap becomes a shrink-wrapped flex item and
  its margin:0 auto centers on the wrap's *content width*, not the viewport. That
  puts the copy in the visual middle instead of aligned with the header logo.
  Block flow + padding centers vertically well enough since the content height
  (~490px) is close to min-height minus padding.
*/
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(10, 27, 46, 0.78) 0%,
    rgba(10, 27, 46, 0.60) 32%,
    rgba(10, 27, 46, 0.20) 62%,
    rgba(10, 27, 46, 0.02) 100%
  );
  pointer-events: none;
  z-index: 1;
}
.hero .wrap { position: relative; z-index: 2; }
/* Static hero — single left-aligned content block over the scrim.
   Left edge matches the header .brand (same .wrap content-left at every viewport). */
.hero-content { max-width: 640px; margin-left: 0; margin-right: auto; }
.hero-phone-note {
  font-size: .82rem;
  color: rgba(255, 255, 255, 0.85);
  margin: .8em 0 0;
  max-width: 46ch;
  text-shadow: 0 1px 2px rgba(0, 0, 0, 0.35);
}
.hero-phone-note a { color: #FFFFFF; }
/* Light outline variant of .btn-outline for use on the dark scrim */
.btn-outline-light {
  background: transparent;
  border: 2px solid rgba(255, 255, 255, 0.75);
  color: #FFFFFF;
}
.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: #FFFFFF;
  color: #FFFFFF;
}
.hero h1 { color: #FFFFFF; margin-bottom: .35em; }
.hero .lede { color: rgba(255, 255, 255, 0.92); max-width: 54ch; margin-bottom: 1.6em; }
/* Hero-trust white colors are set on the base .hero-trust rules below (line ~466)
   so they aren't clobbered by later same-specificity declarations. */

/* Tablet/mobile stack: keep the desktop scrim but let it sit taller and darker */
@media (max-width: 940px) {
  .hero { min-height: 560px; padding: 64px 0; }
  .hero::before {
    background: linear-gradient(
      180deg,
      rgba(10, 27, 46, 0.82) 0%,
      rgba(10, 27, 46, 0.65) 55%,
      rgba(10, 27, 46, 0.55) 100%
    );
  }
}
/* Phone: swap to the smaller image and give the whole hero a stronger overlay */
@media (max-width: 640px) {
  .hero {
    min-height: 520px;
    background-image: url('/images/hero-bg-mobile.webp');
    background-position: 50% 25%;
    padding: 56px 0 64px;
  }
  .hero::before { background: rgba(10, 27, 46, 0.75); }
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.35);
  padding: .45em .9em;
  border-radius: var(--radius-pill);
  font-size: .82rem;
  color: #FFFFFF;
  margin-bottom: 1.4em;
  font-weight: 600;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
.hero-badge .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--brand-green); box-shadow: 0 0 0 3px rgba(48, 192, 0, 0.25); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-trust { display: flex; gap: 32px; margin-top: 2.4em; flex-wrap: wrap; }
/* Hero lives on the navy scrim — trust text goes white here, not --ink,
   so it doesn't disappear against the image. Verified ≥ 11:1 contrast at the busiest scrim spot. */
.hero-trust > div { font-size: 1.6rem; font-weight: 800; color: #FFFFFF; letter-spacing: -0.02em; text-shadow: 0 1px 3px rgba(0, 0, 0, 0.35); }
.hero-trust span { display: block; font-size: .74rem; color: rgba(255, 255, 255, 0.88); font-weight: 600; letter-spacing: .05em; text-transform: uppercase; margin-top: 2px; text-shadow: 0 1px 2px rgba(0, 0, 0, 0.35); }

.hero-card {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--line);
}
.hero-card h3 { font-size: 1.32rem; margin-bottom: .35em; }
.hero-card p { color: var(--ink-soft); font-size: .96rem; margin-bottom: 1.2em; }

/* -------- Forms -------- */
form.lead-form { display: flex; flex-direction: column; gap: 14px; }
label.form-field { display: flex; flex-direction: column; gap: 6px; font-weight: 600; font-size: .9rem; color: var(--ink); }
input[type="text"], input[type="tel"], input[type="email"], select, textarea {
  padding: .95em 1em;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--line-strong);
  font-family: inherit;
  font-size: 1rem;
  color: var(--ink);
  background: #FFFFFF;
  width: 100%;
}
input:focus, select:focus, textarea:focus { border-color: var(--brand-blue); }
textarea { resize: vertical; min-height: 96px; }

.consent-label {
  display: flex;
  gap: .7em;
  align-items: flex-start;
  font-size: .82rem;
  color: var(--ink-soft);
  line-height: 1.55;
  margin-top: 2px;
}
.consent-label input[type="checkbox"] {
  margin-top: .28em;
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  accent-color: var(--brand-blue);
}
.form-success {
  padding: 24px;
  border-radius: var(--radius-md);
  background: var(--brand-green-tint);
  color: var(--ink);
  border: 1px solid var(--brand-green);
}
.form-success h3 { color: var(--brand-green-dark); margin: 0 0 .3em; }

/* -------- Cards -------- */
.card {
  background: #FFFFFF;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  display: flex;
  flex-direction: column;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--brand-blue-light); }
.card .ico {
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  background: var(--brand-blue-tint);
  color: var(--brand-blue-dark);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.1em;
}
.card h3 { font-size: 1.15rem; margin-bottom: .35em; }
.card h3 a { color: var(--ink); text-decoration: none; }
.card h3 a:hover { color: var(--brand-blue-dark); }
.card p { color: var(--ink-soft); font-size: .95rem; margin-bottom: .8em; flex-grow: 1; }
.card .more {
  font-weight: 700;
  font-size: .9rem;
  color: var(--brand-blue-dark);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: .3em;
  margin-top: auto;
}
.card .more:hover { color: var(--brand-blue); }

/* -------- Bands / alt sections -------- */
.band-surface { background: var(--surface); }
.band-tint { background: var(--brand-blue-tint); }
.band-ink { background: var(--ink); color: #FFFFFF; }
.band-ink h1, .band-ink h2, .band-ink h3, .band-ink h4 { color: #FFFFFF; }
.band-ink .lede { color: rgba(255,255,255,.85); }

/* -------- Testimonials -------- */
.testi-track { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 900px) { .testi-track { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .testi-track { grid-template-columns: 1fr; } }
.testi {
  background: #FFFFFF;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.testi .stars { color: #FFB000; letter-spacing: 2px; margin-bottom: .5em; font-size: 1rem; }
.testi blockquote { margin: 0 0 .8em; color: var(--ink); font-size: .96rem; line-height: 1.55; font-style: normal; }
.testi cite { display: block; font-weight: 700; color: var(--ink); font-size: .88rem; font-style: normal; }
.testi cite span { display: block; color: var(--ink-soft); font-weight: 500; font-size: .8rem; margin-top: 2px; }
.testi-verify {
  text-align: center;
  margin-top: 26px;
  font-size: .82rem;
  color: var(--ink-soft);
  font-style: italic;
}

/* -------- Steps / process -------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
@media (max-width: 900px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step .num {
  font-size: 2.4rem; font-weight: 800; color: var(--brand-blue-dark); line-height: 1;
  margin-bottom: .3em; letter-spacing: -0.02em;
}
.step h4 { font-size: 1.05rem; margin-bottom: .3em; color: var(--ink); }
.step p { color: var(--ink-soft); font-size: .93rem; }

/* -------- FAQ accordion -------- */
.faq-list { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 20px 4px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--ink);
  cursor: pointer;
  font-family: inherit;
}
.faq-q:hover { color: var(--brand-blue-dark); }
.faq-q .plus {
  font-size: 1.3rem;
  color: var(--brand-blue);
  flex-shrink: 0;
  transition: transform .2s ease;
  font-weight: 400;
}
.faq-item.open .faq-q .plus { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-item.open .faq-a { max-height: 800px; }
.faq-a-inner { padding: 0 4px 22px; color: var(--ink-soft); font-size: .97rem; line-height: 1.6; }
.faq-a-inner .mini-disclaimer { display: block; margin-top: .6em; font-size: .82rem; color: var(--ink-soft); font-style: italic; }

/* -------- CTA banner -------- */
.cta-banner {
  background: linear-gradient(120deg, var(--brand-blue) 0%, var(--brand-blue-light) 100%);
  color: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-banner h2 { color: #FFFFFF; margin: 0 0 .3em; }
.cta-banner p { color: rgba(255,255,255,.9); margin: 0; max-width: 44ch; }
.cta-banner .btn-primary { background: #FFFFFF; color: var(--brand-blue-dark); }
.cta-banner .btn-primary:hover { background: var(--brand-blue-tint); color: var(--brand-blue-dark); }

/* -------- Team preview -------- */
.team-card { text-align: center; }
.team-card .avatar {
  width: 96px; height: 96px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--brand-blue-light), var(--brand-blue));
  color: #FFFFFF;
  display: flex; align-items: center; justify-content: center;
  font-size: 2.2rem; font-weight: 700;
  margin: 0 auto 1em;
}
/* Real team photos — homepage team-preview + About team cards */
.team-photo {
  width: 160px; height: 160px;
  border-radius: 50%;
  object-fit: cover;
  display: block;
  margin: 0 auto 1.2em;
  box-shadow: 0 8px 20px -8px rgba(10, 27, 46, 0.25);
}
/* Staff-page portrait */
.staff-portrait {
  width: 240px; height: 240px;
  border-radius: 50%;
  object-fit: cover;
  display: block;
  margin: 0 0 24px;
  box-shadow: 0 12px 32px -12px rgba(10, 27, 46, 0.28);
}
.team-card h3 { font-size: 1.1rem; margin-bottom: .2em; }
.team-card .role {
  display: block;
  color: var(--brand-blue-dark);
  font-weight: 700;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: .8em;
}

/* -------- Compliance blocks -------- */
.compliance-block {
  background: var(--brand-blue-tint);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  font-size: .88rem;
  color: var(--ink-soft);
  line-height: 1.6;
}
.compliance-block strong { color: var(--ink); }
.tpmo-disclaimer {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  font-size: .86rem;
  color: var(--ink-soft);
  line-height: 1.55;
}

/*
  In-content TPMO notice — per FMO compliance guidance, this block must appear
  in main page content (not just footer) on the homepage and every Medicare-plan
  page. Body-size type, subtle brand-tint panel, clearly readable — NOT fine print.
  Wording is fixed and cannot be modified.
*/
.tpmo-notice {
  background: var(--brand-blue-tint);
  border: 1px solid rgba(0, 96, 248, 0.18);
  border-left: 4px solid var(--brand-blue);
  border-radius: var(--radius-md);
  padding: 22px 26px;
  color: var(--ink);
  font-size: 1rem;
  line-height: 1.6;
}
.tpmo-notice p { margin: 0; }
.tpmo-notice p + p { margin-top: .6em; }
.tpmo-notice strong { color: var(--brand-blue-dark); font-weight: 700; }
.tpmo-notice a { color: var(--brand-blue-dark); font-weight: 600; }
.tpmo-section { padding: 40px 0; }
@media (max-width: 700px) { .tpmo-section { padding: 32px 0; } .tpmo-notice { padding: 18px 20px; font-size: .95rem; } }

/* -------- Page hero (subpages) -------- */
.page-hero {
  background:
    linear-gradient(180deg, var(--brand-blue-tint) 0%, var(--surface) 100%);
  padding: 56px 0 68px;
  border-bottom: 1px solid var(--line);
}
.page-hero .wrap { max-width: 900px; }
.breadcrumb { font-size: .84rem; color: var(--ink-soft); margin-bottom: 1em; }
.breadcrumb a { color: var(--ink-soft); }
.page-hero h1 { margin-bottom: .3em; }
.tag-row { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 1.4em; }
.tag {
  background: #FFFFFF;
  border: 1px solid var(--line);
  padding: .5em 1em;
  border-radius: var(--radius-pill);
  font-size: .82rem;
  color: var(--ink);
  font-weight: 600;
}

/* -------- Per-page hero-image variant (Medicare service pages) --------
   Applies the homepage full-bleed treatment to subpages: background image with
   navy scrim, white text, content left-aligned to match header logo. Set
   --hero-bg and --hero-bg-mobile inline via style attribute per page. */
.page-hero.page-hero-image {
  position: relative;
  overflow: hidden;
  padding: 96px 0;
  min-height: 620px;
  background-image: var(--hero-bg);
  background-size: cover;
  background-position: 50% 25%;
  background-repeat: no-repeat;
  background-color: var(--ink);
  color: #FFFFFF;
  border-bottom: none;
}
.page-hero.page-hero-image::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(10, 27, 46, 0.82) 0%,
    rgba(10, 27, 46, 0.66) 32%,
    rgba(10, 27, 46, 0.28) 62%,
    rgba(10, 27, 46, 0.06) 100%
  );
  pointer-events: none;
  z-index: 1;
}
.page-hero.page-hero-image .wrap {
  position: relative;
  z-index: 2;
  max-width: var(--content-w);
}
/* Constrain content width so subject on right (65% mark) stays clear */
.page-hero.page-hero-image .breadcrumb,
.page-hero.page-hero-image .eyebrow,
.page-hero.page-hero-image h1,
.page-hero.page-hero-image .lede,
.page-hero.page-hero-image .tag-row,
.page-hero.page-hero-image .hero-actions {
  max-width: 640px;
  margin-left: 0;
  margin-right: auto;
}
.page-hero.page-hero-image h1 {
  color: #FFFFFF;
  text-shadow: 0 2px 12px rgba(0, 0, 0, 0.25);
}
.page-hero.page-hero-image .lede { color: rgba(255, 255, 255, 0.94); }
.page-hero.page-hero-image .breadcrumb,
.page-hero.page-hero-image .breadcrumb a { color: rgba(255, 255, 255, 0.85); }
.page-hero.page-hero-image .eyebrow { color: rgba(255, 255, 255, 0.92); }
.page-hero.page-hero-image .tag {
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.36);
  color: #FFFFFF;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}
/* All non-button links inside dark image hero: white with visible underline.
   Fixes WCAG failure where global --brand-blue-dark link color was unreadable
   on the dark scrim (e.g. FAQ topic list, inline links). */
.page-hero.page-hero-image a:not(.btn) {
  color: #FFFFFF;
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
}
.page-hero.page-hero-image a:not(.btn):hover {
  color: rgba(255, 255, 255, 0.82);
  text-decoration-thickness: 2px;
}
/* Focus ring visible on the dark scrim for every focusable descendant */
.page-hero.page-hero-image a:focus-visible,
.page-hero.page-hero-image button:focus-visible,
.page-hero.page-hero-image [tabindex]:focus-visible {
  outline: 2px solid #FFFFFF;
  outline-offset: 3px;
  border-radius: 3px;
}
/* .btn-outline used inside a dark hero (e.g. /testimonials/) — light variant */
.page-hero.page-hero-image .btn-outline {
  border-color: rgba(255, 255, 255, 0.72);
  color: #FFFFFF;
}
.page-hero.page-hero-image .btn-outline:hover {
  background: rgba(255, 255, 255, 0.16);
  border-color: #FFFFFF;
  color: #FFFFFF;
}
/* Topic-list bullets on /faqs/ hero must be white too (::marker inherits color) */
.page-hero.page-hero-image ul,
.page-hero.page-hero-image li { color: #FFFFFF; }

/* Tablet: stronger vertical scrim, slightly shorter */
@media (max-width: 940px) {
  .page-hero.page-hero-image { min-height: 540px; padding: 72px 0; }
  .page-hero.page-hero-image::before {
    background: linear-gradient(180deg, rgba(10, 27, 46, 0.86) 0%, rgba(10, 27, 46, 0.68) 55%, rgba(10, 27, 46, 0.58) 100%);
  }
}
/* Phone: mobile image variant + heavier flat scrim */
@media (max-width: 640px) {
  .page-hero.page-hero-image {
    min-height: 480px;
    background-image: var(--hero-bg-mobile, var(--hero-bg));
    background-position: 50% 30%;
    padding: 56px 0 60px;
  }
  .page-hero.page-hero-image::before { background: rgba(10, 27, 46, 0.76); }
}

/* -------- Comparison table -------- */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  background: #FFFFFF;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
}
.compare-table th, .compare-table td { padding: 16px 18px; text-align: left; border-bottom: 1px solid var(--line); font-size: .95rem; }
.compare-table thead th { background: var(--ink); color: #FFFFFF; font-size: .78rem; letter-spacing: .05em; text-transform: uppercase; }
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table tbody tr:nth-child(even) { background: var(--surface); }

/* -------- Footer -------- */
.site-footer {
  background: var(--ink);
  color: #C6D4DE;
  padding-top: 64px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
@media (max-width: 820px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand img { height: 40px; width: auto; margin-bottom: 16px; filter: brightness(0) invert(1); }
.footer-brand p { color: rgba(255,255,255,.78); font-size: .9rem; max-width: 34ch; }
.social-row { display: flex; gap: 10px; margin-top: 18px; }
.social-row a {
  width: 38px; height: 38px;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,.08);
  display: flex; align-items: center; justify-content: center;
  color: #FFFFFF;
  text-decoration: none;
}
.social-row a:hover { background: var(--brand-blue); }

.site-footer h4 {
  color: #FFFFFF;
  font-size: .78rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 1em;
  font-weight: 700;
}
.site-footer ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: .6em; }
.site-footer a { color: #C6D4DE; text-decoration: none; font-size: .93rem; }
.site-footer a:hover { color: #FFFFFF; text-decoration: underline; }

.footer-phone { font-weight: 700; color: #FFFFFF; }
.footer-phone-note { font-size: .74rem; color: rgba(255,255,255,.65); margin-top: .3em; line-height: 1.45; }

.footer-legal {
  padding: 28px 0 36px;
  font-size: .8rem;
  color: rgba(255,255,255,.62);
  line-height: 1.65;
}
.footer-legal p { margin: 0 0 12px; }
.footer-legal strong { color: #FFFFFF; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  padding: 22px 0 30px;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: .82rem;
  color: rgba(255,255,255,.62);
}
.footer-bottom a { color: rgba(255,255,255,.75); }

/* -------- Skip link -------- */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: #FFFFFF;
  color: var(--brand-blue-dark);
  padding: 12px 18px;
  border-radius: 0 0 var(--radius-md) 0;
  font-weight: 700;
  z-index: 999;
}
.skip-link:focus { left: 0; }

/* -------- Misc -------- */
.text-center { text-align: center; }
.divider { height: 1px; background: var(--line); border: none; margin: 0; }

/* -------- Policy prose (privacy / terms) -------- */
/* Normalizes verbatim WordPress-authored content. WP inline styles pass through;
   this ruleset adds vertical rhythm + list styling on top. */
.policy-prose h1 { margin: 0 0 .3em; }
.policy-prose h2 { margin: 2em 0 .6em; font-size: 1.5rem; }
.policy-prose h3 { margin: 1.6em 0 .5em; font-size: 1.2rem; color: var(--ink); }
.policy-prose h4 { margin: 1.2em 0 .4em; font-size: 1.05rem; color: var(--ink); }
.policy-prose p  { margin: 0 0 1em; }
.policy-prose ul,
.policy-prose ol { margin: 0 0 1.2em; padding-left: 1.5em; }
.policy-prose li { margin-bottom: .35em; }
.policy-prose hr { margin: 2em 0; border: none; border-top: 1px solid var(--line); }
.policy-prose a  { word-break: break-word; }