/* Medicare landing page — senior-friendly, high-contrast, fast (no external fonts/libs) */
:root{
  --navy:#0b2f5b; --navy-2:#123f75; --blue:#1f5fbf; --sky:#eaf2fc;
  --green:#0b7a3e; --green-d:#08602f; --ink:#1b2430; --muted:#4a5565;
  --line:#d6dee8; --bg:#ffffff; --soft:#f5f8fb; --warn:#fff7e0; --warn-line:#e8c96a;
  --radius:12px; --max:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  font-size:18px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-text-size-adjust:100%}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid #f2a900;outline-offset:2px}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px;z-index:99}
.skip:focus{left:10px}

/* Top notice */
.notice{background:var(--navy);color:#fff;font-size:15px;text-align:center;padding:8px 16px;line-height:1.4}
.notice strong{color:#fff}

/* Header */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:21px;line-height:1.15}
.brand small{display:block;font-weight:500;font-size:13px;color:var(--muted)}
.brand-mark{width:40px;height:40px;border-radius:10px;background:var(--navy);display:grid;place-items:center;flex:none}
.head-call{display:flex;align-items:center;gap:14px}
.head-call .hours{font-size:14px;color:var(--muted);text-align:right;line-height:1.3}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;border:0;border-radius:10px;
  font-weight:800;font-size:19px;text-decoration:none;cursor:pointer;padding:14px 22px;line-height:1.2;min-height:52px}
.btn-call{background:var(--green);color:#fff}
.btn-call:hover{background:var(--green-d)}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.btn-block{width:100%}
.btn svg{flex:none}

/* Hero */
.hero{background:linear-gradient(180deg,var(--sky),#fff);padding:44px 0 36px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.eyebrow{display:inline-block;background:#fff;border:1px solid var(--line);color:var(--navy);font-weight:700;font-size:15px;
  padding:6px 12px;border-radius:999px;margin-bottom:14px}
h1{font-size:44px;line-height:1.12;color:var(--navy);margin:0 0 16px;letter-spacing:-.5px}
h2{font-size:32px;line-height:1.2;color:var(--navy);margin:0 0 12px}
h3{font-size:22px;line-height:1.3;color:var(--navy);margin:0 0 8px}
.lead{font-size:21px;color:#2c3746;margin:0 0 22px}
.checks{list-style:none;padding:0;margin:0 0 26px}
.checks li{position:relative;padding-left:36px;margin:10px 0}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:24px;height:24px;border-radius:50%;
  background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/15px no-repeat}
.call-block{background:#fff;border:2px solid var(--green);border-radius:var(--radius);padding:18px 20px;display:flex;
  flex-wrap:wrap;align-items:center;gap:16px;justify-content:space-between}
.call-block .num{font-size:30px;font-weight:900;color:var(--navy);text-decoration:none;letter-spacing:.3px}
.call-block .meta{font-size:15px;color:var(--muted);line-height:1.4}
.agent-note{font-size:15px;color:var(--muted);margin-top:12px}

/* Form card */
.card{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 10px 30px rgba(11,47,91,.10);padding:26px}
.card h2{font-size:26px;margin-bottom:4px}
.card .sub{color:var(--muted);font-size:16px;margin:0 0 16px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:700;font-size:16px;margin-bottom:5px}
.field input{width:100%;font-size:18px;padding:13px 14px;border:2px solid #b9c5d4;border-radius:10px;background:#fff;color:var(--ink)}
.field input:focus{border-color:var(--blue)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:#3a4553;background:var(--soft);
  border:1px solid var(--line);border-radius:10px;padding:12px;margin:6px 0 14px}
.consent input{width:22px;height:22px;flex:none;margin-top:2px}
.form-foot{font-size:13px;color:var(--muted);margin-top:10px;line-height:1.45}
.hp{position:absolute;left:-5000px}
.err{color:#b00020;font-size:14px;margin-top:4px;display:none}
.field.invalid .err{display:block}
.field.invalid input{border-color:#b00020}

/* Disclaimer box */
.tpmo{background:var(--warn);border:1px solid var(--warn-line);border-radius:var(--radius);padding:16px 18px;font-size:16px;line-height:1.5;color:#3b3220}
.tpmo strong{color:#2b2414}
.tpmo-band{padding:22px 0;background:#fff}

/* Sections */
section{padding:56px 0}
section.alt{background:var(--soft)}
.center{text-align:center}
.intro{max-width:760px;margin:0 auto 32px;color:#2f3a48;font-size:19px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.tile p{margin:0;color:#2f3a48}
.step-n{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:20px;
  display:grid;place-items:center;margin-bottom:12px}
.icon{width:52px;height:52px;border-radius:12px;background:var(--sky);display:grid;place-items:center;margin-bottom:12px}
.fine{font-size:14.5px;color:var(--muted);margin-top:18px}

/* Table */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{width:100%;border-collapse:collapse;font-size:17px}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:700}
tr:last-child td{border-bottom:0}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:0 20px;margin-bottom:12px}
summary{cursor:pointer;font-weight:700;font-size:19px;color:var(--navy);padding:18px 30px 18px 0;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:14px;font-size:26px;font-weight:400;color:var(--blue)}
details[open] summary::after{content:"–"}
details p{margin:0 0 18px;color:#2f3a48}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:48px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#dbe6f4;margin:0 0 22px;font-size:19px}

/* About */
.about-box{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:start}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{padding:10px 0;border-bottom:1px solid var(--line)}
.contact-list li:last-child{border-bottom:0}
.contact-list b{display:block;font-size:14px;color:var(--muted);text-transform:uppercase;letter-spacing:.4px}

/* Footer */
footer.site{background:#0a1f3a;color:#c9d5e4;font-size:15px;padding:40px 0 110px;line-height:1.6}
footer.site a{color:#fff}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;padding-bottom:20px;border-bottom:1px solid #24405f;margin-bottom:20px}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 22px;list-style:none;padding:0;margin:0}
.legal p{margin:0 0 12px}
.legal .tpmo-foot{background:#13314f;border-left:4px solid #e8c96a;padding:12px 14px;border-radius:6px;color:#f1f5fa}

/* Mobile sticky call bar */
.mobile-call{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);
  padding:10px 12px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -6px 18px rgba(0,0,0,.08)}
.mobile-call .btn{width:100%;font-size:20px}
.mobile-call small{display:block;text-align:center;font-size:12px;color:var(--muted);margin-top:4px}

/* Legal pages */
.legal-page{padding:40px 0 60px}
.legal-page .wrap{max-width:880px}
.legal-page h1{font-size:38px}
.legal-page h2{font-size:25px;margin-top:34px}
.legal-page h3{font-size:20px;margin-top:22px}
.legal-page p,.legal-page li{color:#2b3644}
.legal-page .updated{color:var(--muted);font-size:15px}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:16px 22px;margin:20px 0}
.toc ol{margin:0;padding-left:22px}
.caps{text-transform:uppercase;font-size:15.5px}

@media (max-width:980px){
  .hero .wrap,.about-box{grid-template-columns:1fr}
  h1{font-size:36px}
  .grid3{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  body{font-size:17px}
  h1{font-size:30px}
  h2{font-size:26px}
  .lead{font-size:19px}
  .grid3,.grid2,.row2{grid-template-columns:1fr}
  .head-call .hours,.head-call .btn span.long{display:none}
  .head-call .btn{padding:12px 14px;font-size:17px}
  .brand{font-size:18px}
  .brand small{display:none}
  .call-block .num{font-size:26px}
  section{padding:42px 0}
  .mobile-call{display:block}
  .hero{padding:28px 0}
}
@media print{.mobile-call,header.site{position:static}.mobile-call{display:none}}

/* fixes */
.field label.consent{display:flex;font-weight:400;font-size:13.5px;margin-bottom:14px}
.btn{white-space:nowrap}
@media (max-width:680px){
  .head-call .btn{font-size:16px;padding:10px 12px;min-height:46px}
  .brand-mark{width:34px;height:34px}
  .mobile-call .btn{font-size:18px;padding:14px 10px}
}
@media (max-width:360px){ .brand span:last-child{font-size:15px} .head-call .btn{font-size:15px;padding:10px} }
footer.site{padding-bottom:40px}
@media (max-width:680px){ footer.site{padding-bottom:120px} }