:root {
  --cream: #f5f2ed;
  --cream-2: #eae5de;
  --ink: #1c1c1c;
  --muted: #6b665f;
  --line: rgba(28, 28, 28, .14);
  --night: #04070f;    /* booking page background */
  --sky: #38b4fe;     /* logo blue: marks, dots, highlights */
  --blue: #1a7fc1;     /* deeper logo blue: readable text accents */
  --blue-deep: #12639a;
  --radius: 2px;
  --wrap: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: "Montserrat", system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }

/* Type */
h1, h2, h3 { margin: 0; font-weight: 600; line-height: 1.08; }
h1 { font-size: clamp(2.6rem, 5.4vw, 3.85rem); letter-spacing: -.02em; }
h2 { font-size: clamp(2rem, 4.2vw, 3.2rem); letter-spacing: -.018em; margin: 0; max-width: 18ch; }
h3 { font-size: 1.28rem; letter-spacing: -.005em; line-height: 1.25; }
h1 em, h2 em, h3 em { font-style: italic; font-weight: 300; color: var(--muted); }
p { margin: 0; }
.muted { color: var(--muted); font-weight: 300; font-size: 1rem; }
.narrow { max-width: 56ch; margin-top: 18px; }
.lede { font-size: 1.05rem; max-width: 52ch; margin-top: 24px; }
.kicker { font-size: .78rem; letter-spacing: .28em; text-transform: uppercase; color: var(--blue); font-weight: 600; margin-bottom: 18px; }
.fine { font-size: .84rem; font-style: italic; font-weight: 300; color: var(--muted); margin-top: 16px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: .72rem; font-weight: 500; letter-spacing: .22em; text-transform: uppercase; color: var(--muted);
}
.eyebrow--num { color: var(--ink); }
.eyebrow--num::before { content: ""; width: 28px; height: 1px; background: var(--ink); }
.dot { width: 7px; height: 7px; border-radius: 50%; background: var(--sky); box-shadow: 0 0 0 4px rgba(56,180,254,.22); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 16px 26px; border: 1px solid var(--ink); border-radius: var(--radius);
  font: 500 .74rem/1 "Montserrat", sans-serif; letter-spacing: .2em; text-transform: uppercase;
  text-decoration: none; cursor: pointer; transition: background .2s, color .2s, border-color .2s;
}
.btn--solid { background: var(--ink); color: var(--cream); }
.btn--solid:hover { background: var(--blue-deep); border-color: var(--blue-deep); }
.btn--ghost, .btn--outline { background: transparent; color: var(--ink); }
.btn--ghost:hover, .btn--outline:hover { background: var(--ink); color: var(--cream); }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.actions--center { justify-content: center; }
.link { display: inline-block; margin-top: 26px; font-size: .74rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; text-decoration: none; border-bottom: 1px solid currentColor; padding-bottom: 4px; }
.link:hover { color: var(--blue); }

/* Nav */
/* Night background, matched to the booking page (mattscalendar.com/medicare) */
.nav {
  position: sticky; top: 0; z-index: 50; color: #f2f5fb;
  background:
    radial-gradient(110% 260% at 50% 0%, rgba(22,114,240,.30), rgba(22,114,240,.12) 55%, transparent 100%),
    linear-gradient(90deg, rgba(11,85,217,.22), rgba(22,114,240,.06) 50%, rgba(11,85,217,.22)),
    var(--night);
  border-bottom: 1px solid rgba(63,169,255,.18);
}
.nav.is-scrolled { box-shadow: 0 10px 30px -12px rgba(4,7,15,.6); }
.logo { position: relative; display: inline-block; line-height: 0; }
.logo__tag { position: absolute; inset: 0; filter: brightness(0) invert(1); clip-path: inset(80% 0 0 0); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand__logo { height: 40px; width: auto; }
@media (max-width: 640px) {
  .brand__logo { height: 34px; }
  .footer__badges { flex-wrap: nowrap; gap: 16px; }
  .footer__badges .badge { width: auto; flex: 1 1 0; max-width: 97px; height: 37px; }
}
.nav__links { display: flex; align-items: center; gap: 30px; }
.nav__links a:not(.btn) { font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; text-decoration: none; font-weight: 500; }
.nav__links a:not(.btn):hover { color: var(--sky); }

/* Services dropdown */
.nav__item { position: relative; display: flex; align-items: center; }
.has-sub > a { display: block; line-height: inherit; }
.caret { width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: translateY(-2px) rotate(45deg); transition: transform .2s; }
.sub {
  position: absolute; top: 100%; left: -20px; min-width: 230px; padding: 10px 0;
  margin-top: 18px; background: var(--night); border: 1px solid rgba(63,169,255,.22);
  box-shadow: 0 18px 40px -18px rgba(0,0,0,.6);
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .18s, transform .18s, visibility .18s;
}
.sub::before { content: ""; position: absolute; left: 0; right: 0; top: -20px; height: 20px; } /* hover bridge */
.sub a { display: block; padding: 12px 20px; white-space: nowrap; }
.sub a:hover { background: rgba(63,169,255,.12); }
.has-sub:hover .sub, .has-sub:focus-within .sub { opacity: 1; visibility: visible; transform: none; }
.has-sub:hover .caret, .has-sub:focus-within .caret { transform: translateY(1px) rotate(225deg); }
.nav .btn--outline { color: #f2f5fb; border-color: rgba(63,169,255,.7); }
.nav .btn--outline:hover { background: #1672f0; border-color: #1672f0; color: #fff; }
.nav__cta { padding: 12px 20px; }
.nav__toggle { display: none; background: none; border: 0; width: 44px; height: 44px; cursor: pointer; position: relative; }
.nav__toggle span { position: absolute; left: 10px; right: 10px; height: 1.5px; background: #f2f5fb; transition: transform .25s, top .25s; }
.nav__toggle span:first-child { top: 17px; }
.nav__toggle span:last-child { top: 26px; }
.nav__toggle[aria-expanded="true"] span:first-child { top: 21px; transform: rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:last-child { top: 21px; transform: rotate(-45deg); }

/* Sections */
.sec { padding: clamp(80px, 11vw, 140px) 0; }
.sec--light { background: var(--cream); }
.sec--dim { background: var(--cream-2); }
.sec--white { background: #fff; }
/* Teal glow, colors sampled from roysnarr.com's podcast section photo (no photo used) */
.sec--teal {
  background:
    radial-gradient(55% 95% at 55% 35%, rgba(108,200,225,.9) 0%, rgba(97,194,218,.55) 40%, rgba(97,194,218,0) 75%),
    linear-gradient(180deg, rgba(20,70,95,0) 50%, rgba(20,70,95,.32) 100%),
    linear-gradient(90deg, #3493b1 0%, #43a5c1 18%, #5fc1d9 40%, #6ac8e1 55%, #74c2dc 75%, #7db0c5 100%);
  --ink: #fff;
  --muted: #fff;
  --line: rgba(255,255,255,.3);
  color: var(--ink);
}
.sec--teal h2, .sec--teal p { text-shadow: 0 1px 14px rgba(15,60,85,.45); }
.sec--teal h2 em { color: rgba(255,255,255,.9); }

/* Navy, from roysnarr.com (see assets/blue-backgrounds.css) */
.sec--navy {
  background: #00395e;
  --ink: #fff;
  --muted: rgba(255,255,255,.82);
  --line: rgba(255,255,255,.22);
  --blue: #bfe6ff;
  color: var(--ink);
}

/* Navy to near-black, from roysnarr.com (see assets/blue-backgrounds.css) */
.sec--deep {
  background: linear-gradient(180deg, #00395e 0%, #141617 100%);
  --ink: #fff;
  --muted: rgba(255,255,255,.8);
  --line: rgba(255,255,255,.2);
  --blue: #bfe6ff;
  color: var(--ink);
}

/* Sky top, from roysnarr.com (see assets/blue-backgrounds.css) */
.sec--skytop {
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  --ink: #fff;
  --muted: rgba(255,255,255,.85);
  --line: rgba(255,255,255,.25);
  --blue: #e0f3ff;
  --sky: #ffffff;
  color: var(--ink);
}

/* Bright blue, from roysnarr.com (see assets/blue-backgrounds.css) */
.sec--blue {
  background: #0062af;
  --ink: #fff;
  --muted: rgba(255,255,255,.82);
  --line: rgba(255,255,255,.25);
  --blue: #e0f3ff;
  color: var(--ink);
}
.sec--blue .compare__row > span:nth-child(3) { background: rgba(255,255,255,.12); }
.sec--blue .compare__head > span:nth-child(3) { color: #e0f3ff !important; }

/* Sky to blue, from roysnarr.com (see assets/blue-backgrounds.css) */
.sec--sky {
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 100%);
  --ink: #fff;
  --muted: rgba(255,255,255,.85);
  --line: rgba(255,255,255,.25);
  --blue: #e0f3ff;
  color: var(--ink);
}

/* Compact stats band under the hero */
.sec--compact { padding: 40px 0; }
.sec--compact h2 { font-size: clamp(1.6rem, 2.6vw, 2.2rem); }
.sec--compact .stats { margin-top: 32px; }
.sec--compact .stat { padding-top: 24px; }
.sec--compact .stat strong { font-size: clamp(2rem, 3.4vw, 2.8rem); }
.sec--compact .stat span { margin-top: 8px; }
@media (max-width: 640px) {
  .sec--compact { padding: 32px 0; }
  .sec--compact .split { gap: 12px; }
  .sec--compact .stats { margin-top: 20px; }
  .sec--compact .stat { padding-top: 16px !important; padding-bottom: 16px !important; }
}
.split { display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; align-items: end; }
.split .muted { padding-bottom: 8px; max-width: 46ch; }

/* Hero */
.hero {
  position: relative; isolation: isolate; overflow: hidden;
  min-height: min(86vh, 860px); display: flex; align-items: center;
  padding: clamp(72px, 9vw, 120px) 0; color: #fff; background: var(--night);
}
.hero__bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 60%; z-index: -2; }
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(to bottom, rgba(4,7,15,.15) 0%, rgba(4,7,15,.55) 35%, rgba(4,7,15,.6) 65%, rgba(4,7,15,.35) 100%),
    linear-gradient(to right, rgba(4,7,15,.4), rgba(4,7,15,0) 65%);
}
.hero h1 { font-size: clamp(2.6rem, 6vw, 4.6rem); max-width: 14ch; text-shadow: 0 2px 24px rgba(4,7,15,.35); }
.hero h1 em { color: rgba(255,255,255,.82); }
.hero .lede { color: rgba(255,255,255,.88); font-size: clamp(1rem, 1.4vw, 1.15rem); max-width: 56ch; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 64px; border-top: 1px solid var(--line); }
.stat { padding: 36px 24px 0 0; border-right: 1px solid var(--line); }
.stat + .stat { padding-left: 24px; }
.stat:last-child { border-right: 0; }
.stat strong { display: block; font-size: clamp(2.4rem, 4.5vw, 3.6rem); font-weight: 600; letter-spacing: -.03em; line-height: 1; }
.stat span { display: block; margin-top: 12px; font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); }

/* Principles */
.principles { display: grid; grid-template-columns: repeat(2, 1fr); margin-top: 64px; border-top: 1px solid var(--line); }
.principle { padding: 40px 40px 44px 0; border-bottom: 1px solid var(--line); }
.principle:nth-child(odd) { border-right: 1px solid var(--line); }
.principle:nth-child(even) { padding-left: 40px; }
.principle__num { display: block; font-size: .72rem; letter-spacing: .22em; color: var(--blue); font-weight: 600; margin-bottom: 18px; }
.principle p { color: var(--muted); font-weight: 300; margin-top: 14px; max-width: 44ch; }

/* Coverage */
.cover { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 64px; }
.cover__card { background: var(--cream); padding: 44px; border: 1px solid var(--line); }
.cover__tag { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; color: var(--blue); font-weight: 600; }
.cover__card h3 { font-size: 1.7rem; margin: 18px 0 16px; letter-spacing: -.015em; }
.cover__card > p { color: var(--muted); font-weight: 300; }
/* Single full-width Medicare card */
#coverage .cover { grid-template-columns: 1fr; }
#coverage .parts { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 640px) { #coverage .parts { grid-template-columns: 1fr 1fr; } }
/* Navy coverage cards */
#coverage .cover__card {
  background: #00395e; border: 0;
  --ink: #fff; --muted: rgba(255,255,255,.82); --line: rgba(255,255,255,.22); --blue: #bfe6ff;
  color: var(--ink);
}
.parts { list-style: none; padding: 0; margin: 28px 0 0; display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--line); }
.parts li { padding: 16px 12px 16px 0; border-bottom: 1px solid var(--line); }
.parts b { display: block; font-weight: 600; font-size: 1rem; }
.parts span { display: block; font-size: .82rem; color: var(--muted); font-weight: 300; line-height: 1.45; }

/* Compare */
.compare { margin-top: 56px; border-top: 1px solid var(--ink); }
.compare__row { display: grid; grid-template-columns: 1fr 1.2fr 1.2fr; border-bottom: 1px solid var(--line); }
.compare__row > span { padding: 22px 20px 22px 0; }
.compare__row > span:first-child { font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; align-self: center; }
.compare__row > span:nth-child(2) { color: var(--muted); font-weight: 300; }
.compare__row > span:nth-child(3) { font-weight: 500; background: rgba(56,180,254,.09); padding-left: 20px; }
.compare__head > span { font-size: .72rem !important; letter-spacing: .2em; text-transform: uppercase; font-weight: 600 !important; color: var(--muted) !important; }
.compare__head > span:nth-child(3) { color: var(--blue) !important; }

/* Timeline */
.timeline { list-style: none; padding: 0; margin: 64px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--ink); }
.timeline li { padding: 30px 24px 0 0; position: relative; }
.timeline li::before { content: ""; position: absolute; top: -5px; left: 0; width: 9px; height: 9px; border-radius: 50%; background: var(--sky); }
.timeline__yr { display: block; font-size: 2rem; font-weight: 300; font-style: italic; color: var(--muted); letter-spacing: -.02em; margin-bottom: 14px; }
.timeline h3 { font-size: 1.05rem; }
.timeline p { color: var(--muted); font-weight: 300; font-size: .92rem; margin-top: 10px; }

/* Logos */
.logos { list-style: none; padding: 0; margin: 56px 0 0; display: grid; grid-template-columns: repeat(5, 1fr); border: 1px solid var(--line); }
.logos li { display: flex; align-items: center; justify-content: center; padding: 36px 24px; min-height: 130px; border-right: 1px solid var(--line); }
.logos li:last-child { border-right: 0; }
.logos img { max-height: 46px; width: auto; filter: grayscale(1) contrast(1.1); opacity: .7; transition: filter .25s, opacity .25s; }
.logos li:hover img { filter: none; opacity: 1; }

/* Quote */
.quote { display: grid; grid-template-columns: 1fr 1.15fr; gap: 72px; align-items: start; }
.quote__intro .muted { margin-top: 20px; max-width: 42ch; }
.contact { margin: 40px 0 0; border-top: 1px solid var(--line); }
.contact div { display: grid; grid-template-columns: 120px 1fr; padding: 16px 0; border-bottom: 1px solid var(--line); }
.contact dt { font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); align-self: center; }
.contact dd { margin: 0; font-weight: 500; }
.contact a { text-decoration: none; }
.contact a:hover { color: var(--blue); }
.form { background: var(--cream); padding: 44px; border: 1px solid var(--line); display: grid; gap: 20px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form label { display: grid; gap: 8px; font-size: .7rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 500; color: var(--muted); }
.form input:not([type=radio]), .form textarea {
  font: 400 1rem "Montserrat", sans-serif; color: var(--ink); background: transparent;
  border: 0; border-bottom: 1px solid var(--line); padding: 10px 0; border-radius: 0; text-transform: none; letter-spacing: 0;
}
.form textarea { border: 1px solid var(--line); padding: 12px; resize: vertical; }
.form input:focus, .form textarea:focus { outline: none; border-color: var(--blue); }
.form .is-invalid { border-color: #b4412f !important; }
fieldset { border: 0; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; }
legend { font-size: .7rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 500; color: var(--muted); margin-bottom: 12px; padding: 0; }
.form .chip { display: inline-block; cursor: pointer; }
.chip input { position: absolute; opacity: 0; pointer-events: none; }
.chip span { display: inline-block; padding: 12px 20px; border: 1px solid var(--line); font-size: .72rem; letter-spacing: .16em; color: var(--ink); transition: all .2s; }
.chip input:checked + span { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.chip input:focus-visible + span { outline: 2px solid var(--blue); outline-offset: 2px; }
.form .btn { justify-self: start; margin-top: 6px; }
.form__msg { font-size: .9rem; min-height: 1.4em; }
.form__msg.ok { color: #2f6b3f; }
.form__msg.err { color: #b4412f; }
.hp { position: absolute; left: -9999px; }

/* FAQ */
.faq { display: grid; grid-template-columns: 1fr 1.4fr; gap: 72px; align-items: start; }
.faq__list { border-top: 1px solid var(--ink); }
details { border-bottom: 1px solid var(--line); }
summary { list-style: none; cursor: pointer; padding: 24px 40px 24px 0; font-weight: 500; font-size: 1.05rem; position: relative; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%); font-weight: 300; font-size: 1.6rem; color: var(--sky); transition: transform .25s; }
details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
details p { padding: 0 40px 26px 0; color: var(--muted); font-weight: 300; }

/* CTA */
.cta { text-align: center; }
.cta h2 { margin-left: auto; margin-right: auto; max-width: 20ch; }
.cta .narrow { margin-left: auto; margin-right: auto; }

/* Footer */
.footer {
  color: rgba(242,245,251,.72); padding: 80px 0 32px; font-size: .9rem;
  background:
    radial-gradient(50% 90% at 50% 0%, rgba(22,114,240,.30), rgba(22,114,240,.08) 55%, transparent 80%),
    radial-gradient(35% 60% at 90% 100%, rgba(11,85,217,.22), transparent 75%),
    var(--night);
}
.brand--light .brand__logo { height: 52px; }
.footer a:hover { color: var(--sky) !important; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; }
.footer__grid p { margin-top: 20px; max-width: 34ch; font-weight: 300; }
.footer__badges { display: flex; flex-wrap: wrap; align-items: center; gap: 20px; margin-top: 28px; }
.badge { display: flex; align-items: center; justify-content: center; width: 97px; height: 39px; }
.badge--white img { filter: brightness(0) invert(1); }
.badge img { max-width: 100%; max-height: 100%; width: auto; height: auto; object-fit: contain; }
.footer nav, .footer__contact { display: grid; gap: 10px; align-content: start; }
.footer a { text-decoration: none; }
.footer a:hover { color: var(--cream); }
.footer nav a { font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; }
.footer__base { border-top: 1px solid rgba(245,242,237,.15); margin-top: 56px; padding-top: 24px; font-size: .78rem; letter-spacing: .08em; }

.callbar { display: none; }

/* Reveal */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* Responsive */
@media (max-width: 980px) {
  .nav__toggle { display: block; }
  .nav__links {
    position: absolute; top: 76px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--night); border-bottom: 1px solid rgba(63,169,255,.18); padding: 8px 24px 24px;
    display: none;
  }
  .nav__links.is-open { display: flex; }
  .nav__links a:not(.btn) { padding: 16px 0; border-bottom: 1px solid rgba(242,245,251,.12); }
  .nav__item { display: block; }
  .has-sub > a { display: block; }
  .caret { display: none; }
  .sub { position: static; opacity: 1; visibility: visible; transform: none; margin: 0; padding: 0; min-width: 0; background: none; border: 0; box-shadow: none; }
  .sub::before { display: none; }
  .sub a { padding-left: 18px !important; font-size: .68rem !important; color: rgba(242,245,251,.75); }
  .nav__cta { margin-top: 18px; }
  .split, .quote, .faq { grid-template-columns: 1fr; gap: 40px; }
  .cover { grid-template-columns: 1fr; }
  .timeline { grid-template-columns: 1fr 1fr; row-gap: 40px; }
  .logos { grid-template-columns: repeat(3, 1fr); }
  .logos li:nth-child(3) { border-right: 0; }
  .logos li:nth-child(-n+3) { border-bottom: 1px solid var(--line); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__grid > div:first-child { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  .wrap { padding: 0 16px; }
  .stats { grid-template-columns: 1fr 1fr; }
  .stat { padding: 28px 12px 28px 0 !important; border-bottom: 1px solid var(--line); }
  .stat:nth-child(2n) { border-right: 0; padding-left: 16px !important; }
  .principles { grid-template-columns: 1fr; }
  .principle, .principle:nth-child(even) { padding: 32px 0; border-right: 0 !important; }
  .cover__card, .form { padding: 28px 20px; }
  .parts { grid-template-columns: 1fr; }
  .compare__row { grid-template-columns: 1fr 1fr; }
  .compare__row > span:first-child { grid-column: 1 / -1; padding: 18px 0 4px; }
  .compare__head > span:first-child { display: none; }
  .compare__row > span:nth-child(2) { padding: 6px 12px 18px 0; font-size: .9rem; }
  .compare__row > span:nth-child(3) { padding: 6px 12px 18px; font-size: .9rem; }
  .timeline { grid-template-columns: 1fr; }
  .logos { grid-template-columns: 1fr 1fr; }
  .logos li { border-right: 1px solid var(--line) !important; border-bottom: 1px solid var(--line); min-height: 100px; padding: 24px 12px; }
  .logos li:nth-child(2n) { border-right: 0 !important; }
  .logos li:last-child { grid-column: 1 / -1; border-bottom: 0; }
  .form__row { grid-template-columns: 1fr; }
  .form .btn { justify-self: stretch; }
  .actions .btn { flex: 1 1 100%; }
  .contact div { grid-template-columns: 90px 1fr; }
  .footer__grid { grid-template-columns: 1fr; }
  .callbar {
    display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; text-align: center;
    background: var(--blue-deep); color: #fff; padding: 17px 16px; text-decoration: none;
    font-size: .72rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase;
  }
}

/* Free Resources page */
.page-hero { padding: clamp(72px, 9vw, 120px) 0 clamp(56px, 7vw, 88px); }
.page-hero h1 { font-size: clamp(2.6rem, 6vw, 4.2rem); }
.page-hero h1 em { color: rgba(255,255,255,.85); }
.page-hero .lede { color: rgba(255,255,255,.88); max-width: 56ch; }
.nav__links a[aria-current="page"] { color: var(--sky); }
.guides { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 56px; }
.guide {
  display: flex; flex-direction: column; text-decoration: none;
  background: #00395e; color: #fff; overflow: hidden; transition: transform .2s, background .2s;
}
.guide:hover { background: #0062af; transform: translateY(-3px); }
.guide__img { aspect-ratio: 16 / 10; overflow: hidden; }
.guide__img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform .5s; }
.guide:hover .guide__img img { transform: scale(1.04); }
.guide__body { display: flex; flex-direction: column; gap: 12px; padding: 30px 36px 36px; flex: 1; }
.guide__tag { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 600; color: #bfe6ff; }
.guide h3 { font-size: 1.35rem; }
.guide p { color: rgba(255,255,255,.82); font-weight: 300; }
.guide__more { margin-top: auto; padding-top: 12px; font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; }
@media (max-width: 640px) {
  .guides { grid-template-columns: 1fr; gap: 16px; margin-top: 40px; }
  .guide__body { padding: 24px 22px 28px; }
}

/* Medicare resources: forms & downloads hub */
.downloads { margin-top: 96px; }
.wrap > .downloads:first-child { margin-top: 0; }
.downloads__head { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: end; margin-bottom: 40px; }
.downloads__head h3 { font-size: clamp(1.6rem, 2.6vw, 2.2rem); font-weight: 600; }
.downloads__head a { color: var(--blue); font-weight: 600; text-decoration: none; }
.dl-group { margin-top: 40px; }
.dl-group__title { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 600; color: #0062af; padding-bottom: 14px; border-bottom: 2px solid #00395e; }
.dl-list { list-style: none; margin: 0; padding: 0; }
.dl { display: grid; grid-template-columns: 52px 1fr auto; gap: 22px; align-items: center; padding: 22px 0; border-bottom: 1px solid var(--line); }
.dl__icon { width: 52px; height: 52px; display: grid; place-items: center; background: #00395e; color: #fff; font-size: .66rem; font-weight: 700; letter-spacing: .12em; }
.dl__text { display: flex; flex-direction: column; gap: 4px; }
.dl__text strong { font-weight: 600; font-size: 1.02rem; }
.dl__text span { color: var(--muted); font-weight: 300; font-size: .92rem; }
.dl__btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 22px; background: #0062af; color: #fff; text-decoration: none; font-size: .7rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; transition: background .2s; white-space: nowrap; }
.dl__btn::after { content: "↓"; font-size: .9rem; letter-spacing: 0; }
.dl__btn:hover { background: #00395e; }
.dl:hover .dl__icon { background: #0062af; }
@media (max-width: 760px) {
  .downloads { margin-top: 64px; }
  .wrap > .downloads:first-child { margin-top: 0; }
  .downloads__head { grid-template-columns: 1fr; gap: 14px; }
  .dl { grid-template-columns: 44px 1fr; gap: 14px 16px; }
  .dl__icon { width: 44px; height: 44px; }
  .dl__btn { grid-column: 2; justify-self: start; padding: 10px 18px; }
}
.dl-tabs { display: flex; gap: 0; border-bottom: 2px solid #00395e; margin-top: 8px; }
.dl-tabs[hidden] { display: none; }
.dl-tabs button { flex: 0 0 auto; padding: 16px 28px; background: transparent; border: 0; cursor: pointer; font: inherit; font-size: .74rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; color: #00395e; transition: background .2s, color .2s; }
.dl-tabs button:hover { background: #eaf4fb; }
.dl-tabs button[aria-selected="true"] { background: #00395e; color: #fff; }
.dl-tabs button:focus-visible { outline: 2px solid #32b0e6; outline-offset: 2px; }
.dl-panel__title { font-size: 1.4rem; font-weight: 600; margin-top: 56px; }
.has-tabs .dl-panel__title { display: none; }
.dl-group__title { border-bottom-width: 1px; border-bottom-color: var(--line); }
@media (max-width: 760px) {
  .dl-tabs { flex-direction: column; border-bottom: 0; gap: 6px; }
  .dl-tabs button { text-align: left; border: 1px solid #00395e; padding: 14px 18px; }
}
/* Document preview thumbnails */
.dl { grid-template-columns: 78px 1fr auto; }
.dl__thumb { width: 78px; height: auto; aspect-ratio: 250 / 323; object-fit: cover; object-position: top; background: #fff; border: 1px solid var(--line); box-shadow: 0 6px 16px rgba(0,57,94,.14); transition: transform .2s, box-shadow .2s; }
.dl__thumb--wide { object-fit: cover; object-position: 6% center; }
.dl:hover .dl__thumb { transform: translateY(-2px); box-shadow: 0 10px 22px rgba(0,57,94,.22); }
@media (max-width: 760px) {
  .dl { grid-template-columns: 60px 1fr; }
  .dl__thumb { width: 60px; }
}

/* Download center header (v2) */
.downloads__head { display: grid; grid-template-columns: 1fr auto; grid-template-areas: "eyebrow eyebrow" "title stats"; gap: 18px 48px; align-items: end; margin-bottom: 48px; padding-bottom: 40px; border-bottom: 1px solid var(--line); }
.downloads__head .eyebrow { grid-area: eyebrow; color: #0062af; font-weight: 600; }
.downloads__head .eyebrow::before { content: ""; width: 28px; height: 2px; background: #32b0e6; }
.downloads__head h2 { grid-area: title; font-size: clamp(2.2rem, 4.4vw, 3.6rem); line-height: 1.05; }
.dl-stats { grid-area: stats; list-style: none; margin: 0; padding: 0; display: flex; gap: 40px; }
.dl-stats li { display: flex; flex-direction: column; gap: 4px; padding-left: 18px; border-left: 2px solid #32b0e6; }
.dl-stats strong { font-size: 2rem; font-weight: 600; color: #00395e; line-height: 1; }
.dl-stats span { font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 500; color: var(--muted); }

.dl-tabs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; border-bottom: 0; margin: 0 0 8px; }
.dl-tabs button { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; text-align: left; padding: 28px 28px 24px; background: #f3f8fc; border: 1px solid #d6e6f2; border-top: 4px solid #32b0e6; color: #00395e; letter-spacing: 0; text-transform: none; font-size: 1rem; font-weight: 400; position: relative; transition: background .2s, color .2s, transform .2s, box-shadow .2s; }
.dl-tabs button:hover { background: #e6f2fb; transform: translateY(-2px); }
.dl-tabs button[aria-selected="true"] { background: linear-gradient(160deg, #0062af 0%, #00395e 100%); border-color: #00395e; border-top-color: #32b0e6; color: #fff; box-shadow: 0 14px 30px rgba(0,57,94,.25); }
.dl-tabs button[aria-selected="true"]::after { content: ""; position: absolute; left: 32px; bottom: -10px; border: 10px solid transparent; border-bottom: 0; border-top-color: #00395e; }
.dl-tab__num { font-size: .72rem; letter-spacing: .22em; font-weight: 600; color: #32b0e6; }
.dl-tab__name { font-size: 1.35rem; font-weight: 600; }
.dl-tab__desc { font-size: .9rem; font-weight: 300; line-height: 1.5; opacity: .85; }
.dl-tab__count { margin-top: 6px; font-size: .68rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; }
.dl-tab__count::after { content: " →"; letter-spacing: 0; }
@media (max-width: 900px) {
  .downloads__head { grid-template-columns: 1fr; grid-template-areas: "eyebrow" "title" "stats"; gap: 16px; }
  .dl-stats { gap: 14px; justify-content: space-between; }
  .dl-stats li { padding-left: 12px; }
  .dl-stats strong { font-size: 1.6rem; }
  .dl-stats span { font-size: .6rem; letter-spacing: .12em; }
  .dl-tabs { grid-template-columns: 1fr; gap: 10px; }
  .dl-tabs button { padding: 20px 22px; }
  .dl-tabs button[aria-selected="true"]::after { display: none; }
}

/* Topic cards: clearer click affordance */
.dl-tabs button { cursor: pointer; box-shadow: 0 4px 12px rgba(0,57,94,.08); }
.dl-tabs button:hover { border-color: #32b0e6; box-shadow: 0 12px 26px rgba(0,57,94,.16); }
.dl-tabs button:active { transform: translateY(0); }
.dl-tab__cta { margin-top: 10px; display: inline-flex; align-items: center; gap: 8px; padding: 10px 18px; border: 1.5px solid #0062af; color: #0062af; font-size: .68rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; transition: background .2s, color .2s, border-color .2s; }
.dl-tab__cta::before { content: "View forms"; }
.dl-tab__cta::after { content: "→"; letter-spacing: 0; font-size: .9rem; transition: transform .2s; }
.dl-tabs button:hover .dl-tab__cta { background: #0062af; color: #fff; }
.dl-tabs button:hover .dl-tab__cta::after { transform: translateX(3px); }
.dl-tabs button[aria-selected="true"] .dl-tab__cta { background: #fff; border-color: #fff; color: #00395e; }
.dl-tabs button[aria-selected="true"] .dl-tab__cta::before { content: "Showing below"; }
.dl-tabs button[aria-selected="true"] .dl-tab__cta::after { content: "↓"; transform: none; }

/* Document preview popup */
.dl__preview { padding: 0; border: 0; background: none; cursor: zoom-in; display: block; }
.dl__preview:focus-visible { outline: 2px solid #32b0e6; outline-offset: 3px; }
.dl__preview .dl__thumb { cursor: zoom-in; }
.viewer { width: min(860px, calc(100vw - 32px)); max-height: calc(100vh - 32px); padding: 0; border: 0; background: #fff; box-shadow: 0 30px 80px rgba(0,0,0,.45); display: none; flex-direction: column; overflow: hidden; }
.viewer[open] { display: flex; animation: viewer-in .22s ease-out; }
.viewer::backdrop { background: rgba(4,7,15,.78); backdrop-filter: blur(3px); }
@keyframes viewer-in { from { opacity: 0; transform: translateY(12px) scale(.98); } to { opacity: 1; transform: none; } }
.viewer__bar { display: flex; align-items: center; gap: 16px; padding: 16px 20px 16px 28px; background: #00395e; color: #fff; }
.viewer__bar h3 { flex: 1; font-size: 1.05rem; font-weight: 600; margin: 0; }
.viewer__bar .dl__btn { background: #32b0e6; }
.viewer__bar .dl__btn:hover { background: #fff; color: #00395e; }
.viewer__close { width: 42px; height: 42px; border: 1px solid rgba(255,255,255,.35); background: transparent; color: #fff; font-size: 1.6rem; line-height: 1; cursor: pointer; transition: background .2s; }
.viewer__close:hover { background: rgba(255,255,255,.15); }
.viewer__page { overflow: auto; background: #e9eef3; padding: 24px; flex: 1; }
.viewer__page img { display: block; width: 100%; height: auto; margin: 0 auto; background: #fff; box-shadow: 0 6px 24px rgba(0,57,94,.18); }
.viewer__note { margin: 0; padding: 10px 28px; font-size: .78rem; color: #5a6b7b; background: #fff; border-top: 1px solid #e3e9ef; }
body.viewer-open { overflow: hidden; }
@media (max-width: 640px) {
  .viewer__bar { padding: 12px 12px 12px 16px; gap: 10px; flex-wrap: wrap; }
  .viewer__bar h3 { flex-basis: calc(100% - 54px); font-size: .95rem; }
  .viewer__bar .dl__btn { order: 3; }
  .viewer__page { padding: 12px; }
}

/* Important links & numbers */
.contacts__head { grid-template-columns: 1fr; grid-template-areas: "eyebrow" "title"; border-bottom: 0; padding-bottom: 0; }
.agencies { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.agency { background: #fff; display: flex; flex-direction: column; box-shadow: 0 10px 30px rgba(0,57,94,.08); }
.agency__head { background: linear-gradient(160deg, #0062af 0%, #00395e 100%); color: #fff; padding: 32px 36px 28px; border-top: 4px solid #32b0e6; }
.agency__tag { font-size: .7rem; letter-spacing: .24em; font-weight: 600; color: #32b0e6; }
.agency__head h3 { font-size: 1.7rem; font-weight: 600; margin: 6px 0 10px; }
.agency__head p { color: rgba(255,255,255,.82); font-weight: 300; font-size: .95rem; margin: 0; }
.agency__phones { list-style: none; margin: 0; padding: 8px 36px; border-bottom: 1px solid #e3e9ef; }
.agency__phones li { display: grid; grid-template-columns: 1fr auto; align-items: baseline; gap: 2px 16px; padding: 16px 0; }
.agency__phones li + li { border-top: 1px solid #eef2f6; }
.agency__phones span { font-size: .7rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; color: #5a6b7b; }
.agency__phones a { font-size: 1.45rem; font-weight: 600; color: #00395e; text-decoration: none; white-space: nowrap; }
.agency__phones a:hover { color: #0062af; }
.agency__phones small { grid-column: 1 / -1; font-size: .82rem; color: #5a6b7b; font-weight: 300; }
.agency__links { list-style: none; margin: 0; padding: 12px 36px 28px; }
.agency__links a { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 13px 0; border-bottom: 1px solid #eef2f6; color: #00395e; text-decoration: none; font-weight: 500; font-size: .95rem; transition: color .2s, padding .2s; }
.agency__links a::after { content: "↗"; color: #32b0e6; font-size: 1rem; transition: transform .2s; }
.agency__links a:hover { color: #0062af; padding-left: 4px; }
.agency__links a:hover::after { transform: translate(2px, -2px); }
@media (max-width: 860px) {
  .agencies { grid-template-columns: 1fr; }
  .agency__head, .agency__phones, .agency__links { padding-left: 22px; padding-right: 22px; }
  .agency__phones li { grid-template-columns: 1fr; }
  .agency__phones a { font-size: 1.3rem; }
}

/* Free Resources photo hero */
.hero--page { min-height: min(64vh, 620px); }
.hero--page .hero__bg { object-position: var(--hero-pos, center 22%); }
.hero--page::after {
  background:
    linear-gradient(to bottom, rgba(4,7,15,.2) 0%, rgba(4,7,15,.45) 40%, rgba(4,7,15,.55) 100%),
    linear-gradient(to right, rgba(0,57,94,.85) 0%, rgba(0,57,94,.55) 40%, rgba(4,7,15,0) 75%);
}
@media (max-width: 640px) {
  .hero--page { min-height: 440px; }
  .hero--page .hero__bg { object-position: var(--hero-pos-m, 68% 30%); }
}

/* On-this-page jump cards under the hero */
.jump { background: #00395e; position: relative; z-index: 2; }
.jump__grid { display: grid; grid-template-columns: 1fr 1fr; }
.jump__card { position: relative; display: flex; flex-direction: column; gap: 8px; padding: 36px 72px 36px 0; color: #fff; text-decoration: none; transition: background .2s; }
.jump__card + .jump__card { padding-left: 48px; border-left: 1px solid rgba(255,255,255,.18); }
.jump__label { font-size: .68rem; letter-spacing: .24em; text-transform: uppercase; font-weight: 600; color: #32b0e6; }
.jump__card strong { font-size: clamp(1.3rem, 2vw, 1.7rem); font-weight: 600; }
.jump__desc { color: rgba(255,255,255,.78); font-weight: 300; font-size: .95rem; max-width: 44ch; }
.jump__arrow { position: absolute; right: 24px; top: 50%; width: 46px; height: 46px; margin-top: -23px; display: grid; place-items: center; border: 1.5px solid rgba(255,255,255,.4); border-radius: 50%; font-size: 1.1rem; transition: background .2s, border-color .2s, transform .2s; }
.jump__card:hover strong { color: #bfe6ff; }
.jump__card:hover .jump__arrow { background: #32b0e6; border-color: #32b0e6; transform: translateY(3px); }
@media (max-width: 760px) {
  .jump__grid { grid-template-columns: 1fr; }
  .jump__card, .jump__card + .jump__card { padding: 26px 64px 26px 0; border-left: 0; }
  .jump__card + .jump__card { border-top: 1px solid rgba(255,255,255,.18); }
  .jump__arrow { right: 0; }
}

/* Sub-page hero back link + Free Resources landing cards */
.hero__back { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 18px; color: #bfe6ff; text-decoration: none; font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 600; }
.hero__back:hover { color: #fff; }
.guides.resources { margin-top: 0; }
.resources .guide h3 { font-size: 1.5rem; }

/* Lighter fade so both faces show (Forms & Downloads hero) */
.hero--light::after {
  background:
    linear-gradient(to bottom, rgba(4,7,15,.1) 0%, rgba(4,7,15,.25) 45%, rgba(4,7,15,.5) 100%),
    linear-gradient(to right, rgba(0,57,94,.7) 0%, rgba(0,57,94,.3) 35%, rgba(4,7,15,0) 60%);
}
.hero--light h1, .hero--light .lede { text-shadow: 0 2px 18px rgba(4,7,15,.55); }

/* Free Resources hub: two large feature cards that overlap the hero */
.hub { background: #fff; padding: 0 0 clamp(72px, 9vw, 120px); }
.hub__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: -110px; position: relative; z-index: 3; }
.hub__card { position: relative; isolation: isolate; overflow: hidden; display: flex; align-items: flex-end; min-height: 460px; color: #fff; text-decoration: none; border-top: 5px solid #32b0e6; box-shadow: 0 24px 60px rgba(0,57,94,.28); transition: transform .25s, box-shadow .25s; }
.hub__img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; transition: transform .6s; }
.hub__card::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(to bottom, rgba(0,57,94,.15) 0%, rgba(0,57,94,.55) 40%, rgba(0,40,70,.94) 100%); transition: background .25s; }
.hub__body { padding: 40px; display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.hub__tag { font-size: .7rem; letter-spacing: .24em; text-transform: uppercase; font-weight: 600; color: #bfe6ff; }
.hub__title { font-size: clamp(2rem, 3.4vw, 2.8rem); line-height: 1.05; color: #fff; margin: 0; }
.hub__title em { color: rgba(255,255,255,.85); }
.hub__body p { color: rgba(255,255,255,.88); font-weight: 300; max-width: 46ch; margin: 0; }
.hub__btn { margin-top: 12px; display: inline-flex; align-items: center; gap: 10px; padding: 16px 26px; background: #32b0e6; color: #fff; font-size: .74rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 700; transition: background .2s, color .2s; }
.hub__btn span { font-size: 1rem; letter-spacing: 0; transition: transform .2s; }
.hub__card:hover { transform: translateY(-6px); box-shadow: 0 32px 70px rgba(0,57,94,.36); }
.hub__card:hover .hub__img { transform: scale(1.05); }
.hub__card:hover .hub__btn { background: #fff; color: #00395e; }
.hub__card:hover .hub__btn span { transform: translateX(4px); }
.hub__card:focus-visible { outline: 3px solid #32b0e6; outline-offset: 4px; }
@media (max-width: 860px) {
  .hub__grid { grid-template-columns: 1fr; gap: 18px; margin-top: -60px; }
  .hub__card { min-height: 380px; }
  .hub__body { padding: 28px 24px; }
}
.hero--hub { padding-bottom: 170px; }
@media (max-width: 860px) { .hero--hub { padding-bottom: 110px; } }
/* Hub cards sit below the hero (no overlap) */
.hub { padding-top: clamp(72px, 9vw, 120px); }
.hub__grid { margin-top: 0; }

/* Contacts & Links rows (same layout as downloads) */
.dl-tabs--two { grid-template-columns: repeat(2, 1fr); }
.dl--contact { grid-template-columns: 52px 1fr auto; }
.dl--contact .dl__icon { font-size: .6rem; }
.dl__btn--call { min-width: 190px; justify-content: center; font-size: .8rem; letter-spacing: .08em; }
.dl__btn--call::after { content: none; }
.dl__btn--call::before { content: "☎"; font-size: .95rem; letter-spacing: 0; }
.dl__btn--web::after { content: "↗"; }
.dl__btn--web { min-width: 190px; justify-content: center; }
@media (max-width: 760px) {
  .dl-tabs--two { grid-template-columns: 1fr; }
  .dl--contact { grid-template-columns: 44px 1fr; }
}
/* Heavier row subtext (downloads + contacts) */
.dl__text span { font-weight: 400; color: #4a5b6b; }
/* More visible group headings (Phone numbers, Online services, Enrollment forms...) */
.dl-group { margin-top: 48px; }
.dl-group__title {
  display: flex; align-items: center; gap: 14px;
  font-size: clamp(1.15rem, 1.6vw, 1.4rem); letter-spacing: .02em; text-transform: none; font-weight: 600;
  color: #00395e; background: #eef5fb; border: 0; border-left: 5px solid #32b0e6;
  padding: 16px 22px; margin: 0;
}
/* Heavier subtext sitewide (was light 300) */
.muted, .fine, .principle p, .cover__card > p, .parts span, .compare__row > span:nth-child(2),
.timeline p, details p, .footer__grid p, .guide p, .dl-tab__desc, .agency__head p,
.agency__phones small, .jump__desc, .hub__body p, .hero .lede { font-weight: 400; }
.dl__text span { font-weight: 500; }

/* Local office locator shortcut */
.locator { display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 22px; margin: 28px 0 0; padding: 24px 28px; background: linear-gradient(135deg, #0062af 0%, #00395e 100%); color: #fff; text-decoration: none; box-shadow: 0 12px 28px rgba(0,57,94,.22); transition: transform .2s, box-shadow .2s; }
.locator__pin { width: 56px; height: 56px; display: grid; place-items: center; background: #32b0e6; color: #fff; border-radius: 50%; }
.locator__text { display: flex; flex-direction: column; gap: 4px; }
.locator__text strong { font-size: 1.15rem; font-weight: 600; }
.locator__text span { color: rgba(255,255,255,.88); font-size: .92rem; }
.locator__btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 22px; background: #fff; color: #00395e; font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 700; white-space: nowrap; transition: background .2s, color .2s; }
.locator .locator__btn:hover { background: #32b0e6; color: #fff; }
@media (max-width: 760px) {
  .locator { grid-template-columns: auto 1fr; padding: 20px; gap: 14px 16px; }
  .locator__pin { width: 46px; height: 46px; }
  .locator__btn { grid-column: 1 / -1; justify-content: center; }
}

/* Option A: visible topic heading with rule between topic cards and content */
.has-tabs .dl-panel__title, .dl-panel__title {
  display: flex; align-items: baseline; flex-wrap: wrap; gap: 4px 12px;
  margin: 56px 0 0; padding-bottom: 14px; border-bottom: 2px solid #00395e;
  font-size: clamp(1.6rem, 2.6vw, 2.1rem); font-weight: 600; color: #00395e;
}
.dl-panel__title span { font-size: 1rem; font-weight: 400; font-style: italic; color: #5a6b7b; }
.dl-panel .dl-group:first-of-type { margin-top: 28px; }

/* Premium rounded icon tiles (contacts) */
.dl--contact .dl__icon {
  width: 54px; height: 54px; border-radius: 16px;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 8px 18px -8px rgba(0,57,94,.55), inset 0 1px 0 rgba(255,255,255,.18), inset 0 0 0 1px rgba(255,255,255,.06);
  transition: background .25s ease, box-shadow .25s ease, transform .25s ease;
}
.dl--contact .dl__icon svg { width: 24px; height: 24px; filter: drop-shadow(0 1px 1px rgba(0,0,0,.25)); }
.dl--contact:hover .dl__icon {
  background: linear-gradient(145deg, #4cc3f0 0%, #0062af 100%);
  box-shadow: 0 12px 24px -10px rgba(0,98,175,.65), inset 0 1px 0 rgba(255,255,255,.3);
  transform: translateY(-2px);
}
@media (max-width: 640px) { .dl--contact .dl__icon { width: 46px; height: 46px; border-radius: 14px; } .dl--contact .dl__icon svg { width: 20px; height: 20px; } }

/* Premium rounded topic cards (both pages) */
.dl-tabs { gap: 20px; }
.dl-tabs button {
  border-radius: 20px; border: 1px solid #dbe8f3; border-top: 1px solid #dbe8f3;
  background: linear-gradient(180deg, #ffffff 0%, #f2f8fd 100%);
  box-shadow: 0 1px 2px rgba(0,57,94,.06), 0 10px 24px -14px rgba(0,57,94,.22);
  padding: 34px 30px 28px;
  transition: background .25s ease, color .25s ease, transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.dl-tabs button::before {
  content: ""; position: absolute; top: 18px; left: 30px; width: 36px; height: 4px; border-radius: 4px;
  background: linear-gradient(90deg, #32b0e6, #0062af);
}
.dl-tabs button:hover { border-color: #b9d9ef; transform: translateY(-3px); box-shadow: 0 2px 4px rgba(0,57,94,.06), 0 20px 36px -16px rgba(0,57,94,.32); }
.dl-tabs button[aria-selected="true"] {
  border-color: transparent;
  background: radial-gradient(120% 140% at 0% 0%, rgba(50,176,230,.35) 0%, rgba(50,176,230,0) 55%), linear-gradient(150deg, #0062af 0%, #00395e 60%, #002640 100%);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.18), 0 22px 40px -18px rgba(0,57,94,.6);
}
.dl-tabs button[aria-selected="true"]::before { background: #fff; opacity: .9; }
.dl-tabs button[aria-selected="true"]::after { left: 40px; border-top-color: #00335a; }
.dl-tabs button:focus-visible { outline: 2px solid #32b0e6; outline-offset: 3px; }
@media (max-width: 640px) { .dl-tabs button { border-radius: 16px; padding: 30px 22px 22px; } .dl-tabs button::before { left: 22px; top: 16px; } }

/* Call / web buttons match the rounded icon tiles */
.dl__btn--call, .dl__btn--web {
  border-radius: 16px; padding: 15px 24px;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 8px 18px -8px rgba(0,57,94,.55), inset 0 1px 0 rgba(255,255,255,.18), inset 0 0 0 1px rgba(255,255,255,.06);
  transition: background .25s ease, box-shadow .25s ease, transform .25s ease;
}
.dl--contact:hover .dl__btn--call, .dl--contact:hover .dl__btn--web,
.dl__btn--call:hover, .dl__btn--web:hover {
  background: linear-gradient(145deg, #4cc3f0 0%, #0062af 100%);
  box-shadow: 0 12px 24px -10px rgba(0,98,175,.65), inset 0 1px 0 rgba(255,255,255,.3);
  transform: translateY(-2px);
}
@media (max-width: 640px) { .dl__btn--call, .dl__btn--web { border-radius: 14px; padding: 12px 20px; } }

/* Hover color only on the element itself, not the whole row */
.dl--contact:hover .dl__icon,
.dl--contact:hover .dl__btn--call, .dl--contact:hover .dl__btn--web {
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 8px 18px -8px rgba(0,57,94,.55), inset 0 1px 0 rgba(255,255,255,.18), inset 0 0 0 1px rgba(255,255,255,.06);
  transform: none;
}
.dl--contact .dl__icon:hover,
.dl--contact .dl__btn--call:hover, .dl--contact .dl__btn--web:hover {
  background: linear-gradient(145deg, #4cc3f0 0%, #0062af 100%);
  box-shadow: 0 12px 24px -10px rgba(0,98,175,.65), inset 0 1px 0 rgba(255,255,255,.3);
  transform: translateY(-2px);
}

/* Left icons: no hover effect */
.dl--contact .dl__icon:hover, .dl--contact:hover .dl__icon {
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 8px 18px -8px rgba(0,57,94,.55), inset 0 1px 0 rgba(255,255,255,.18), inset 0 0 0 1px rgba(255,255,255,.06);
  transform: none;
}
.dl--contact .dl__icon { transition: none; }
.dl--contact .dl__icon svg { filter: drop-shadow(0 1px 1px rgba(0,0,0,.25)); }

/* Download buttons match the contact buttons */
.dl__btn {
  border-radius: 16px; padding: 15px 24px;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 8px 18px -8px rgba(0,57,94,.55), inset 0 1px 0 rgba(255,255,255,.18), inset 0 0 0 1px rgba(255,255,255,.06);
  transition: background .25s ease, box-shadow .25s ease, transform .25s ease;
}
.dl__btn:hover {
  background: linear-gradient(145deg, #4cc3f0 0%, #0062af 100%);
  box-shadow: 0 12px 24px -10px rgba(0,98,175,.65), inset 0 1px 0 rgba(255,255,255,.3);
  transform: translateY(-2px);
}
@media (max-width: 640px) { .dl__btn { border-radius: 14px; padding: 12px 20px; } }

/* Free Resources hub: three cards */
.hub__grid { grid-template-columns: repeat(3, 1fr); }
.hub__body { padding: 34px 30px; }
@media (max-width: 1024px) { .hub__grid { grid-template-columns: 1fr; } }

/* FAQ page */
.qa { margin-top: 28px; border-top: 2px solid #00395e; }
.qa details { border-bottom: 1px solid #d6e6f2; }
.qa summary { font-size: 1.1rem; font-weight: 600; color: #00395e; padding: 24px 48px 24px 0; }
.qa summary::after { color: #0062af; font-weight: 400; }
.qa summary:hover { color: #0062af; }
.qa details p { color: #4f6273; font-weight: 400; max-width: 72ch; line-height: 1.7; }
.qa details p a { color: #0062af; font-weight: 600; }
.faq-cta { margin-top: 56px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; padding: 32px 36px; border-radius: 20px; background: linear-gradient(150deg, #0062af 0%, #00395e 60%, #002640 100%); color: #fff; box-shadow: 0 22px 40px -18px rgba(0,57,94,.6); }
.faq-cta strong { display: block; font-size: 1.3rem; font-weight: 600; }
.faq-cta span { color: rgba(255,255,255,.85); }
.faq-cta a { display: inline-flex; align-items: center; gap: 10px; padding: 15px 26px; border-radius: 16px; background: #fff; color: #00395e; text-decoration: none; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; transition: background .25s, color .25s, transform .25s; }
.faq-cta a:hover { background: #32b0e6; color: #fff; transform: translateY(-2px); }
.hub__btn { letter-spacing: .12em; padding: 15px 22px; white-space: nowrap; }

/* Free Resources hub: 2 x 2 */
.hub__grid { grid-template-columns: repeat(2, 1fr); }
.hub__card { min-height: 420px; }
@media (max-width: 860px) { .hub__grid { grid-template-columns: 1fr; } }
.dl__icon--step { font-size: 1.2rem !important; font-weight: 700; letter-spacing: 0; }
.dl__btn--mail::before { content: none; }
.dl--contact .dl__text:last-child { grid-column: 2 / -1; }

/* Medicare 101 webinar feature */
.webinar { margin: 56px 0 8px; display: grid; grid-template-columns: 1.1fr 1fr; overflow: hidden; border-radius: 20px; background: linear-gradient(150deg, #0062af 0%, #00395e 60%, #002640 100%); color: #fff; box-shadow: 0 22px 40px -18px rgba(0,57,94,.6); }
.webinar__copy { padding: 44px 44px 40px; display: flex; flex-direction: column; align-items: flex-start; gap: 14px; }
.webinar__tag { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 700; color: #bfe6ff; }
.webinar__title { font-size: clamp(2rem, 3.4vw, 2.6rem); line-height: 1.05; margin: 0; color: #fff; }
.webinar__title em { color: rgba(255,255,255,.85); }
.webinar__copy p { margin: 0; color: rgba(255,255,255,.9); max-width: 48ch; }
.webinar__list { margin: 4px 0 0; padding: 0; list-style: none; display: grid; gap: 8px; }
.webinar__list li { position: relative; padding-left: 26px; color: #fff; font-weight: 500; }
.webinar__list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: #32b0e6; font-weight: 700; }
.webinar__btn { margin-top: 10px; display: inline-flex; align-items: center; gap: 10px; padding: 15px 26px; border-radius: 16px; background: #fff; color: #00395e; text-decoration: none; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; transition: background .25s, color .25s, transform .25s; }
.webinar__btn:hover { background: #32b0e6; color: #fff; transform: translateY(-2px); }
.webinar__img { width: 100%; height: 100%; min-height: 320px; object-fit: cover; object-position: 45% 30%; }
@media (max-width: 860px) { .webinar { grid-template-columns: 1fr; } .webinar__img { order: -1; min-height: 220px; max-height: 260px; } .webinar__copy { padding: 30px 24px; } }

/* Tighter gap under page heroes + standout stat cards */
.hero--page + .sec { padding-top: clamp(48px, 5.5vw, 72px); }
.dl-stats { gap: 16px; }
.dl-stats li {
  gap: 8px; padding: 18px 22px 16px; border-left: 0; border-radius: 16px; min-width: 132px;
  background: linear-gradient(180deg, #ffffff 0%, #f2f8fd 100%); border: 1px solid #dbe8f3; position: relative; overflow: hidden;
  box-shadow: 0 1px 2px rgba(0,57,94,.06), 0 10px 24px -14px rgba(0,57,94,.25);
}
.dl-stats li::before { content: ""; position: absolute; left: 0; top: 0; right: 0; height: 4px; background: linear-gradient(90deg, #32b0e6, #0062af); }
.dl-stats strong { font-size: 2.4rem; font-weight: 700; color: #0062af; }
.dl-stats span { color: #00395e; font-weight: 600; }
@media (max-width: 640px) {
  .dl-stats { gap: 8px; }
  .dl-stats li { min-width: 0; flex: 1; padding: 14px 12px 12px; border-radius: 14px; }
  .dl-stats strong { font-size: 1.7rem; }
}
.dl-tabs { gap: 64px; }
@media (max-width: 640px) { .dl-tabs { gap: 16px; } }

/* Navy "Get in touch" band (matches header) */
.hero--page + .sec { padding-top: 0; overflow-x: clip; }
.hero--page + .sec .downloads { margin-top: 0; }
.hero--page + .sec .downloads__head {
  position: relative; isolation: isolate; color: #f2f5fb;
  padding: clamp(44px, 5vw, 64px) 0; border-bottom: 0; margin-bottom: clamp(56px, 7vw, 88px);
}
.hero--page + .sec .downloads__head::before {
  content: ""; position: absolute; z-index: -1; top: 0; bottom: 0; left: 50%; width: 100vw; transform: translateX(-50%);
  background:
    radial-gradient(110% 260% at 50% 0%, rgba(22,114,240,.30), rgba(22,114,240,.12) 55%, transparent 100%),
    linear-gradient(90deg, rgba(11,85,217,.22), rgba(22,114,240,.06) 50%, rgba(11,85,217,.22)),
    var(--night);
  border-bottom: 1px solid rgba(63,169,255,.18);
}
.hero--page + .sec .downloads__head h2 { color: #fff; }
.hero--page + .sec .downloads__head h2 em { color: #4cc3f0; }
.hero--page + .sec .downloads__head .eyebrow { color: #7fd0f2; }
.hero--page + .sec .dl-stats li { border-color: rgba(255,255,255,.6); box-shadow: 0 14px 30px -14px rgba(0,0,0,.55); }
.hero--page + .sec .downloads__head { grid-template-areas: "eyebrow stats" "title stats"; align-items: center; row-gap: 14px; padding: 56px 0; }
.hero--page + .sec .downloads__head .eyebrow { align-self: end; }
.hero--page + .sec .downloads__head h2 { align-self: start; line-height: 1; }
.hero--page + .sec .dl-stats { align-self: center; }
@media (max-width: 640px) {
  .hero--page + .sec .downloads__head { grid-template-areas: "eyebrow" "title" "stats"; padding: 44px 0; row-gap: 16px; }
}

/* Elaborate group heading banners */
.dl-group__title {
  position: relative; overflow: hidden; gap: 16px; border: 0; border-radius: 16px;
  padding: 18px 24px 18px 18px; color: #fff; font-size: clamp(1.15rem, 1.7vw, 1.45rem); font-weight: 600;
  background: radial-gradient(120% 180% at 100% 0%, rgba(50,176,230,.35), transparent 55%), linear-gradient(135deg, #0a5a8f 0%, #00395e 60%, #002640 100%);
  box-shadow: 0 14px 30px -16px rgba(0,57,94,.6), inset 0 1px 0 rgba(255,255,255,.14);
}
.dl-group__title::before {
  content: ""; flex: none; width: 42px; height: 42px; border-radius: 12px;
  background: linear-gradient(145deg, #4cc3f0, #0062af) padding-box;
  box-shadow: 0 6px 14px -6px rgba(0,0,0,.5), inset 0 1px 0 rgba(255,255,255,.3);
  -webkit-mask: none;
}
.dl-group__title::after {
  content: ""; position: absolute; left: 29px; top: 50%; width: 20px; height: 20px; transform: translateY(-50%); background: #fff;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6M8 13h8M8 17h5'/%3E%3C/svg%3E") center/contain no-repeat;
          mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6M8 13h8M8 17h5'/%3E%3C/svg%3E") center/contain no-repeat;
}
.dl-group__count {
  margin-left: auto; padding: 7px 14px; border-radius: 999px; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.22);
  font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 600; color: #cfe9f8; white-space: nowrap;
}
.dl-group .dl-list { margin-top: 10px; }
@media (max-width: 640px) {
  .dl-group__title { padding: 14px 16px 14px 14px; gap: 12px; border-radius: 14px; }
  .dl-group__title::before { width: 36px; height: 36px; border-radius: 10px; }
  .dl-group__title::after { left: 22px; width: 18px; height: 18px; }
  .dl-group__count { padding: 6px 10px; font-size: .6rem; letter-spacing: .1em; }
}
.dl-group__count { background: linear-gradient(145deg, #4cc3f0, #0062af); border: 0; color: #fff; box-shadow: 0 6px 14px -6px rgba(0,0,0,.5), inset 0 1px 0 rgba(255,255,255,.3); }
.dl { border-bottom: 2px solid #d3e2ee; }

/* Heroes fill the whole screen below the sticky header */
.hero, .hero--page { min-height: calc(100vh - 77px); min-height: calc(100svh - 77px); }
@media (max-width: 640px) { .hero, .hero--page { min-height: calc(100vh - 77px); min-height: calc(100svh - 77px); } }

/* Option B: icon cards for topic selectors */
.dl-tabs button { align-items: center; text-align: center; padding: 30px 28px 28px; gap: 8px; }
.dl-tabs button::before {
  position: static; flex: none; width: 64px; height: 64px; border-radius: 50%; margin-bottom: 8px;
  background-color: #eaf4fb; background-repeat: no-repeat; background-position: center; background-size: 28px;
  box-shadow: inset 0 0 0 1px #d3e6f4; opacity: 1;
}
.dl-tabs button[aria-selected="true"]::before {
  background-color: transparent; opacity: 1;
  background-image: var(--ico-w), linear-gradient(145deg, #4cc3f0, #0062af);
  background-size: 28px, cover; background-position: center, center;
  box-shadow: 0 8px 18px -6px rgba(0,0,0,.45), inset 0 1px 0 rgba(255,255,255,.3);
}
.dl-tabs button::before { background-image: var(--ico-b); }
.dl-tabs button[aria-selected="true"]::after { left: 50%; transform: translateX(-50%); }
.dl-tab__desc { max-width: 34ch; }
@media (max-width: 640px) {
  .dl-tabs button { padding: 22px 18px 20px; }
  .dl-tabs button::before { width: 52px; height: 52px; background-size: 24px; margin-bottom: 4px; }
  .dl-tabs button[aria-selected="true"]::before { background-size: 24px, cover; }
}
.dl-tabs button[aria-controls="panel-medicare"] { --ico-b: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%230062af%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27%3E%3Cpath d=%27M19.5 12.6 12 20l-7.5-7.4A5 5 0 1 1 12 6a5 5 0 1 1 7.5 6.6z%27/%3E%3Cpath d=%27M12 9.5v5M9.5 12h5%27/%3E%3C/svg%3E"); --ico-w: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%23ffffff%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27%3E%3Cpath d=%27M19.5 12.6 12 20l-7.5-7.4A5 5 0 1 1 12 6a5 5 0 1 1 7.5 6.6z%27/%3E%3Cpath d=%27M12 9.5v5M9.5 12h5%27/%3E%3C/svg%3E"); }
.dl-tabs button[aria-controls="panel-social-security"] { --ico-b: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%230062af%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27%3E%3Cpath d=%27M3 21h18M3 10h18M5 6l7-3 7 3M4 10v11M20 10v11M8 14v3M12 14v3M16 14v3%27/%3E%3C/svg%3E"); --ico-w: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%23ffffff%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27%3E%3Cpath d=%27M3 21h18M3 10h18M5 6l7-3 7 3M4 10v11M20 10v11M8 14v3M12 14v3M16 14v3%27/%3E%3C/svg%3E"); }
.dl-tabs button[aria-controls="panel-retirement"] { --ico-b: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%230062af%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27%3E%3Cpath d=%27M12 3l8 4v5c0 5-3.5 8-8 9-4.5-1-8-4-8-9V7z%27/%3E%3Cpath d=%27m9 12 2 2 4-4%27/%3E%3C/svg%3E"); --ico-w: url("data:image/svg+xml,%3Csvg xmlns=%27http://www.w3.org/2000/svg%27 viewBox=%270 0 24 24%27 fill=%27none%27 stroke=%27%23ffffff%27 stroke-width=%271.8%27 stroke-linecap=%27round%27 stroke-linejoin=%27round%27%3E%3Cpath d=%27M12 3l8 4v5c0 5-3.5 8-8 9-4.5-1-8-4-8-9V7z%27/%3E%3Cpath d=%27m9 12 2 2 4-4%27/%3E%3C/svg%3E"); }
.dl-tabs button::before, .dl-tabs button[aria-selected="true"]::before { background-repeat: no-repeat; }

/* Option D: photo cards for topic selectors */
.dl-tabs button[aria-controls="panel-medicare"] { --photo: url("topic-medicare.jpg"); --photo-pos: 45% 45%; }
.dl-tabs button[aria-controls="panel-social-security"] { --photo: url("guide-sc-capitol.webp"); --photo-pos: center 60%; }
.dl-tabs button[aria-controls="panel-retirement"] { --photo: url("topic-retirement.jpg?v=2"); --photo-pos: 50% 30%; }
.dl-tabs button, .dl-tabs button[aria-selected="true"] {
  min-height: 210px; justify-content: flex-end; align-items: flex-start; text-align: left; gap: 6px;
  padding: 28px 26px 24px; color: #fff; border: 0; overflow: visible;
  background: linear-gradient(180deg, rgba(0,38,64,.35) 0%, rgba(0,38,64,.92) 100%), var(--photo) var(--photo-pos, center) / cover no-repeat;
  box-shadow: 0 14px 30px -16px rgba(0,57,94,.55);
}
.dl-tabs button::before, .dl-tabs button[aria-selected="true"]::before { content: none; }
.dl-tabs button:not([aria-selected="true"]) { background: linear-gradient(180deg, rgba(0,38,64,.55) 0%, rgba(0,38,64,.94) 100%), var(--photo) var(--photo-pos, center) / cover no-repeat; }
.dl-tabs button:not([aria-selected="true"]):hover { background: linear-gradient(180deg, rgba(0,38,64,.3) 0%, rgba(0,38,64,.9) 100%), var(--photo) var(--photo-pos, center) / cover no-repeat; border: 0; }
.dl-tabs button[aria-selected="true"] { outline: 3px solid #32b0e6; outline-offset: 4px; box-shadow: 0 22px 40px -18px rgba(0,57,94,.7); }
.dl-tabs button:focus-visible { outline: 3px solid #32b0e6; outline-offset: 4px; }
.dl-tabs button .dl-tab__name { color: #fff; text-shadow: 0 2px 12px rgba(0,0,0,.35); }
.dl-tabs button .dl-tab__desc { color: rgba(255,255,255,.88); opacity: 1; max-width: 40ch; }
.dl-tabs button[aria-selected="true"]::after { left: 50%; transform: translateX(-50%); bottom: -17px; border-top-color: #32b0e6; }
@media (max-width: 640px) {
  .dl-tabs button, .dl-tabs button[aria-selected="true"] { min-height: 150px; padding: 20px 18px 18px; }
}


/* Panel titles without divider line */
.has-tabs .dl-panel__title, .dl-panel__title { border-bottom: 0; }

/* Panel title lines up under its selected card */
@media (min-width: 641px) {
  .dl-tabs--two ~ #panel-social-security .dl-panel__title { justify-content: flex-end; }
  .dl-tabs:not(.dl-tabs--two) ~ #panel-social-security .dl-panel__title { justify-content: center; }
  .dl-tabs:not(.dl-tabs--two) ~ #panel-retirement .dl-panel__title { justify-content: flex-end; }
}

/* Rounded local office locator */
.locator { border-radius: 20px; overflow: hidden; background: radial-gradient(120% 160% at 0% 0%, rgba(50,176,230,.35) 0%, rgba(50,176,230,0) 55%), linear-gradient(150deg, #0062af 0%, #00395e 60%, #002640 100%); box-shadow: inset 0 1px 0 rgba(255,255,255,.18), 0 18px 36px -18px rgba(0,57,94,.6); }
.locator__btn { border-radius: 16px; padding: 15px 24px; box-shadow: 0 8px 18px -8px rgba(0,0,0,.4); }
@media (max-width: 640px) { .locator { border-radius: 16px; } }

/* Heading banners: left-to-right gradient */
.dl-group__title { background: linear-gradient(90deg, #0062af 0%, #00467a 50%, #002640 100%); }

/* Row buttons: bright blue, same lift-and-glow hover */
.dl__btn, .dl__btn--call, .dl__btn--web,
.dl--contact:hover .dl__btn--call, .dl--contact:hover .dl__btn--web {
  background: linear-gradient(145deg, #32b0e6 0%, #0062af 100%);
  box-shadow: 0 8px 18px -8px rgba(0,98,175,.6), inset 0 1px 0 rgba(255,255,255,.3);
  transform: none;
}
.dl__btn:hover, .dl__btn--call:hover, .dl__btn--web:hover,
.dl--contact .dl__btn--call:hover, .dl--contact .dl__btn--web:hover {
  background: linear-gradient(145deg, #5fcdf5 0%, #0a74c4 100%);
  box-shadow: 0 12px 24px -10px rgba(0,98,175,.75), inset 0 1px 0 rgba(255,255,255,.35);
  transform: translateY(-2px);
}

/* Heading banners: no icon tile */
.dl-group__title::before, .dl-group__title::after { content: none; }
.dl-group__title { padding-left: 26px; }
@media (max-width: 640px) { .dl-group__title { padding-left: 18px; } }

/* Row buttons: near-black navy on hover */
.dl__btn:hover, .dl__btn--call:hover, .dl__btn--web:hover,
.dl--contact .dl__btn--call:hover, .dl--contact .dl__btn--web:hover {
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 12px 24px -10px rgba(0,57,94,.65), inset 0 1px 0 rgba(255,255,255,.18);
}

/* FAQ accordion: floating cards (option A) */
.qa { border-top: 0; display: grid; gap: 14px; }
.qa details {
  border: 1px solid #dbe8f3; border-radius: 18px; background: linear-gradient(180deg, #ffffff 0%, #f7fbfe 100%);
  box-shadow: 0 1px 2px rgba(0,57,94,.05), 0 10px 24px -16px rgba(0,57,94,.25);
  transition: border-color .25s ease, box-shadow .25s ease, background .25s ease;
}
.qa details:hover { border-color: #b9d9ef; box-shadow: 0 1px 2px rgba(0,57,94,.06), 0 16px 30px -16px rgba(0,57,94,.32); }
.qa details[open] { border-color: #b9d9ef; background: linear-gradient(180deg, #f4f9fd 0%, #eaf4fb 100%); }
.qa summary { padding: 22px 76px 22px 26px; }
.qa summary::after {
  content: "+"; right: 22px; width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center;
  font-size: 1.3rem; font-weight: 500; line-height: 1; color: #0062af; background: #eaf4fb; box-shadow: inset 0 0 0 1px #d3e6f4;
  transition: background .25s ease, color .25s ease, box-shadow .25s ease;
}
.qa details[open] summary::after {
  content: "−"; transform: translateY(-50%); color: #fff;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: 0 6px 14px -6px rgba(0,57,94,.55), inset 0 1px 0 rgba(255,255,255,.18);
}
.qa details[open] summary { color: #00395e; }
.qa details p { padding: 0 76px 24px 26px; }
@media (max-width: 640px) {
  .qa details { border-radius: 14px; }
  .qa summary { padding: 18px 62px 18px 18px; font-size: 1rem; }
  .qa summary::after { right: 14px; width: 30px; height: 30px; }
  .qa details p { padding: 0 18px 20px; }
}
/* Smooth open/close where supported */
:root { interpolate-size: allow-keywords; }
.qa details::details-content { block-size: 0; overflow: hidden; transition: block-size .35s ease, content-visibility .35s allow-discrete; }
.qa details[open]::details-content { block-size: auto; }

/* Header disclaimer */
.nav__note { flex: 1; text-align: center; padding: 0 24px; font-size: .68rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 500; color: rgba(214,224,236,.62); white-space: nowrap; }
@media (max-width: 1100px) { .nav__note { letter-spacing: .08em; font-size: .62rem; } }
@media (max-width: 640px) { .nav__note { white-space: normal; font-size: .58rem; letter-spacing: .06em; line-height: 1.35; padding: 0 10px; max-width: 150px; margin: 0 auto; } }
.nav__note, .nav__note * { text-transform: none; letter-spacing: .02em; font-size: .78rem; font-weight: 400; }
@media (max-width: 640px) { .nav__note { font-size: .66rem; letter-spacing: .01em; } }
.qa details p { font-weight: 500; color: #3f5263; }

/* FAQ call box: compass photo backdrop */
.faq-cta {
  background:
    linear-gradient(90deg, rgba(0,57,94,.97) 0%, rgba(0,57,94,.9) 38%, rgba(0,38,64,.55) 70%, rgba(0,38,64,.35) 100%),
    url("cta-compass.jpg") 70% 55% / cover no-repeat;
  min-height: 150px;
}
@media (max-width: 640px) {
  .faq-cta { background: linear-gradient(180deg, rgba(0,57,94,.92) 0%, rgba(0,38,64,.8) 100%), url("cta-compass.jpg") 65% 50% / cover no-repeat; }
}

/* Header: links centered, disclaimer on the right (desktop) */
@media (min-width: 981px) {
  .nav__inner { display: grid; grid-template-columns: 1fr auto 1fr; align-items: center; }
  .nav__inner > .brand { justify-self: start; }
  .nav__links { order: 2; justify-self: center; }
  .nav__note { order: 3; justify-self: end; text-align: right; padding: 0 0 0 24px; flex: none; }
}

/* Free Resources hub: 3 x 2 */
.hub__grid { grid-template-columns: repeat(3, 1fr); gap: 24px; }
.hub__card { min-height: 440px; }
.hub__body { padding: 30px 26px; }
.hub__title { font-size: clamp(1.7rem, 2.3vw, 2.2rem); }
@media (max-width: 1100px) { .hub__grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 700px) { .hub__grid { grid-template-columns: 1fr; } .hub__card { min-height: 380px; } }
.hub__card--soon { cursor: default; border-top-color: rgba(50,176,230,.5); }
.hub__card--soon::after { background: linear-gradient(to bottom, rgba(0,57,94,.55) 0%, rgba(0,40,70,.8) 50%, rgba(0,30,52,.96) 100%); }
.hub__card--soon:hover { transform: none; box-shadow: 0 24px 60px rgba(0,57,94,.28); }
.hub__card--soon:hover .hub__img { transform: none; }
.hub__soon { margin-top: 12px; padding: 13px 20px; border: 1px dashed rgba(255,255,255,.55); border-radius: 999px; font-size: .7rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 600; color: rgba(255,255,255,.85); }

/* Glossary */
.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; }
.gl-search { position: relative; display: flex; align-items: center; gap: 12px; max-width: 720px; margin: 0 auto 48px; padding: 6px 20px; background: #fff; border: 2px solid #d3e2ee; border-radius: 18px; box-shadow: 0 18px 36px -24px rgba(0,57,94,.45); color: #0062af; transition: border-color .2s, box-shadow .2s; }
.gl-search:focus-within { border-color: #32b0e6; box-shadow: 0 0 0 4px rgba(50,176,230,.18), 0 18px 36px -24px rgba(0,57,94,.45); }
.gl-search input { flex: 1; min-width: 0; border: 0; outline: 0; background: none; padding: 14px 0; font: inherit; font-size: 1rem; color: #1d2b36; }
.gl-search input::placeholder { color: #7a8c9b; }
.gl-search__count { font-size: .78rem; font-weight: 600; color: #4f6273; white-space: nowrap; }
.gl-jump { display: flex; flex-wrap: wrap; justify-content: center; gap: 6px; margin: 0 0 36px; }
.gl-jump a, .gl-jump span { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 10px; font-size: .85rem; font-weight: 700; text-decoration: none; }
.gl-jump a { background: #eef5fb; color: #0062af; transition: background .2s, color .2s; }
.gl-jump a:hover, .gl-jump a:focus-visible { background: #0062af; color: #fff; }
.gl-jump span { color: #c3d2de; }
.gl-jump .is-off { pointer-events: none; background: none; color: #c3d2de; }
.gl-sec { display: grid; grid-template-columns: 72px 1fr; gap: 24px; padding: 28px 0; border-top: 2px solid #d3e2ee; scroll-margin-top: 100px; }
.gl-sec:first-child { border-top: 0; padding-top: 0; }
.gl-sec__letter { margin: 0; width: 60px; height: 60px; display: grid; place-items: center; border-radius: 16px; background: linear-gradient(90deg, #0062af 0%, #00467a 50%, #002640 100%); color: #fff; font-size: 1.6rem; font-weight: 600; position: sticky; top: 96px; }
.gl-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin: 0; }
.gl { padding: 22px 24px; border-radius: 18px; background: linear-gradient(180deg, #fff 0%, #f7fbfe 100%); border: 1px solid #e1ecf5; box-shadow: 0 12px 26px -20px rgba(0,57,94,.45); scroll-margin-top: 100px; }
.gl:target { border-color: #32b0e6; box-shadow: 0 0 0 3px rgba(50,176,230,.25); }
.gl dt { font-weight: 700; font-size: 1.05rem; color: #00395e; line-height: 1.3; }
.gl__aka { display: inline-block; margin-left: 6px; padding: 3px 10px; border-radius: 999px; background: #e3f3fb; color: #0062af; font-size: .68rem; font-weight: 600; letter-spacing: .04em; vertical-align: 2px; }
.gl dd { margin: 10px 0 0; color: #3f5263; font-weight: 500; line-height: 1.65; font-size: .95rem; }
.gl-empty { text-align: center; color: #4f6273; padding: 24px 0; }
.gl mark { background: #c9ecfb; color: inherit; border-radius: 3px; padding: 0 1px; }
@media (max-width: 900px) { .gl-list { grid-template-columns: 1fr; } }
@media (max-width: 640px) {
  .gl-sec { grid-template-columns: 1fr; gap: 14px; }
  .gl-sec__letter { width: 46px; height: 46px; font-size: 1.3rem; position: static; }
  .gl-jump a, .gl-jump span { width: 30px; height: 30px; font-size: .78rem; }
  .gl-search { margin-bottom: 32px; padding: 4px 14px; }
  .gl-search__count { display: none; }
}

.gl-sec[hidden], .gl[hidden], .gl-empty[hidden] { display: none !important; }

/* Glossary: dictionary rows */
.gl-list { grid-template-columns: 1fr; gap: 0; }
.gl { display: grid; grid-template-columns: minmax(200px, 30%) 1fr; column-gap: 36px; padding: 18px 4px; border: 0; border-top: 1.5px solid #e1ecf5; border-radius: 0; background: none; box-shadow: none; }
.gl:first-child { border-top: 0; padding-top: 6px; }
.gl dt { font-size: 1rem; }
.gl__aka { display: table; margin: 8px 0 0; vertical-align: 0; }
.gl dd { margin: 0; }
.gl:target { box-shadow: none; background: #eef6fc; border-radius: 12px; }
.gl-sec { gap: 32px; padding: 32px 0; }
@media (max-width: 900px) { .gl-list { grid-template-columns: 1fr; } }
@media (max-width: 640px) {
  .gl { grid-template-columns: 1fr; row-gap: 8px; padding: 16px 0; }
  .gl__aka { display: inline-block; margin: 0 0 0 6px; vertical-align: 1px; }
}
.gl__aka, .gl__aka:where(*) { display: inline-block; margin: 0 0 0 8px; vertical-align: 1px; }
@media (max-width: 860px) { .hub__grid { grid-template-columns: 1fr; gap: 18px; } .hub__card { min-height: 380px; } .hub__body { padding: 28px 24px; } }

/* Hero heading note, e.g. "(Updated for 2027)" */
.hero h1 .hero__note { display: inline-block; margin-left: 10px; font-size: clamp(1rem, 1.4vw, 1.15rem); font-style: italic; font-weight: 400; letter-spacing: 0; line-height: 1.4; color: rgba(255,255,255,.88); vertical-align: baseline; white-space: nowrap; }
@media (max-width: 640px) { .hero h1 .hero__note { display: block; margin: 10px 0 0; } }

/* Office finder between Phone numbers and Online services */
.locator-wrap { padding: 44px 0; }
.locator-wrap .locator { margin: 0; }
@media (max-width: 640px) { .locator-wrap { padding: 28px 0; } }
.locator-wrap + .dl-group { margin-top: 0; }
.locator-wrap { padding: 88px 0; }
@media (max-width: 640px) { .locator-wrap { padding: 56px 0; } }

/* Office finder: flag texture behind the navy */
.locator { background: linear-gradient(100deg, rgba(0,98,175,.9) 0%, rgba(0,57,94,.86) 55%, rgba(0,38,64,.8) 100%), url("flag-bg.jpg") 60% 40% / cover no-repeat; }
.locator { background: linear-gradient(100deg, rgba(0,98,175,.82) 0%, rgba(0,57,94,.78) 55%, rgba(0,38,64,.74) 100%), url("flag-bg.jpg") 0 22% / 100% auto no-repeat, #00395e; }
@media (max-width: 640px) { .locator { background-size: auto, cover, auto; background-position: 0 0, 20% 30%, 0 0; } }
.locator { position: relative; isolation: isolate; background: radial-gradient(120% 160% at 0% 0%, rgba(50,176,230,.3) 0%, rgba(50,176,230,0) 55%), linear-gradient(100deg, #0062af 0%, #00467a 55%, #002640 100%); }
.locator::before { content: ""; position: absolute; inset: 0; z-index: -1; background: url("flag-bg.jpg") 0 22% / 100% auto no-repeat; filter: invert(1) contrast(1.8); mix-blend-mode: screen; opacity: .55; pointer-events: none; }
@media (max-width: 640px) { .locator { background-size: auto; background-position: 0 0; } .locator::before { background-size: cover; background-position: 20% 30%; } }
.locator::before { filter: invert(1) brightness(3.2); opacity: .5; }
@media (min-width: 641px) { .locator { padding: 38px 36px; } }

/* Group banner titles: heavier */
.dl-group__title { font-weight: 700; }
.dl-group__title .dl-group__count { font-weight: 600; }

/* Row with two actions (Download + Apply online) */
.dl__actions { display: flex; flex-direction: column; align-items: stretch; gap: 10px; }
.dl__actions .dl__btn { justify-content: center; }
.dl__btn.dl__btn--apply { background: linear-gradient(145deg, #3fd07f 0%, #138a43 100%); box-shadow: 0 8px 18px -8px rgba(19,138,67,.6), inset 0 1px 0 rgba(255,255,255,.3); }
.dl__btn.dl__btn--apply:hover { background: linear-gradient(145deg, #138a43 0%, #0b6631 55%, #074522 100%); box-shadow: 0 12px 24px -10px rgba(7,69,34,.65), inset 0 1px 0 rgba(255,255,255,.18); transform: translateY(-2px); }
@media (max-width: 640px) { .dl__actions { grid-column: 2; flex-direction: row; flex-wrap: wrap; align-items: flex-start; } }
.dl__btn--apply::after { content: "↗"; }

/* Uniform row button width (matches the Download + Apply here pair) */
.dl__btn { min-width: 162px; justify-content: center; box-sizing: border-box; }

/* Webinar card: same breathing room as the office finder */
.webinar { margin: 88px 0; }
.webinar + * { margin-top: 0; }
@media (max-width: 640px) { .webinar { margin: 56px 0; } }

/* Webinar card: flag texture behind the navy copy */
.webinar__copy { position: relative; isolation: isolate; }
.webinar__copy::before { content: ""; position: absolute; inset: 0; z-index: -1; background: url("flag-bg.jpg") 0 0 / cover no-repeat; filter: invert(1) brightness(3.2); mix-blend-mode: screen; opacity: .5; pointer-events: none; }

/* Free Resources head band */
.sec--head { padding-bottom: 0; }
.sec--head .downloads { margin-bottom: 0; }
.sec--head + .hub { padding-top: clamp(72px, 9vw, 120px); }
@media (max-width: 640px) { .sec--head + .hub { padding-top: 72px; } }
.hero--page + .sec--head .downloads__head { margin-bottom: 0; }

/* FAQ topic groups */
.dl-group .qa { margin-top: 18px; }

/* Glossary: more air around the A-Z bar */
.gl-jump { margin: 28px 0 64px; }
@media (max-width: 640px) { .gl-jump { margin: 20px 0 44px; } }
@media (min-width: 641px) { .gl-sec { column-gap: 64px; } }
@media (min-width: 981px) { .gl-sec { column-gap: 96px; } }

/* Raise a photo inside a hub card so the face clears the title */
.hub__img--lift { inset: auto 0 0 0; height: 125%; }
@media (max-width: 700px) { .hub__img--lift { height: 110%; } }
.hub__img--lift-lg { inset: auto 0 0 0; height: 150%; }

/* Home hero: larger text */
.hero:not(.hero--page) h1 { font-size: clamp(3rem, 7.4vw, 5.8rem); max-width: 15ch; }
.hero:not(.hero--page) .lede { font-size: clamp(1.1rem, 1.7vw, 1.4rem); max-width: 54ch; }

/* Contact page */
.ct-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
.ct-info .dl-group { margin-top: 0; }
.ct-info .dl__text { display: grid; gap: 4px; }
.ct-link { margin-top: 6px; font-weight: 600; color: var(--blue); text-decoration: none; overflow-wrap: anywhere; }
a.ct-link:hover { color: var(--blue-deep); text-decoration: underline; }
.ct-form { border-radius: 16px; }
.ct-form__title { margin: 0 0 4px; font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 400; }
.ct-form__title em { color: var(--blue); }
.ct-hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; opacity: 0; }
@media (max-width: 980px) { .ct-grid { grid-template-columns: 1fr; } }
.dl__text span.ct-link { color: var(--blue); font-weight: 600; }

/* About page */
.creds { list-style: none; margin: clamp(32px, 4vw, 48px) 0 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.cred { display: grid; gap: 8px; align-content: start; padding: 28px; border: 1px solid var(--line); border-radius: 16px; background: var(--cream); }
.cred__logo { display: flex; align-items: center; justify-content: center; height: 96px; margin-bottom: 12px; padding: 16px; border-radius: 12px; background: #04224a; }
.cred__logo img { max-height: 100%; max-width: 100%; width: auto; height: auto; object-fit: contain; }
.cred strong { font-size: 1.05rem; font-weight: 600; }
.cred span:not(.cred__logo) { color: var(--muted); font-size: .95rem; line-height: 1.55; }
.cta__btns { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 32px; }
@media (max-width: 900px) { .creds { grid-template-columns: 1fr; } }
.cta__btns .btn--solid { background: #fff; color: #04224a; border-color: #fff; }
.cta__btns .btn--solid:hover { background: transparent; color: #fff; }

/* Service pages */
.svc-intro + .svc-topics, .svc-topics + .svc-more { padding-top: 0; }
.svc-parts .parts { grid-template-columns: repeat(4, 1fr); margin-top: clamp(32px, 4vw, 48px); }
.svc-parts .parts li { padding: 20px 16px 20px 0; }
.svc-parts .parts b { font-size: 1.15rem; color: var(--blue); }
.svc-topics h2 { margin-top: 12px; }
.svc-grid { list-style: none; margin: clamp(32px, 4vw, 48px) 0 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.svc { padding: 28px; border: 1px solid var(--line); border-radius: 16px; background: var(--cream); }
.svc__icon { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 12px; background: linear-gradient(135deg, #0062af, #00395e); color: #fff; }
.svc h3 { margin: 18px 0 8px; font-size: 1.15rem; font-weight: 600; letter-spacing: -.01em; }
.svc p { margin: 0; color: var(--muted); font-size: .95rem; line-height: 1.6; }
.svc-more .downloads { margin-top: 0; }
.svc-note { margin: 32px 0 0; font-size: .85rem; color: var(--muted); }
@media (max-width: 1000px) { .svc-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 700px) { .svc-grid { grid-template-columns: 1fr; } .svc-parts .parts { grid-template-columns: 1fr 1fr; } }

/* Free Resources hub: shorter cards, same row width */
@media (min-width: 701px) {
  .hub__card { min-height: 340px; }
  .hub__body { padding: 24px 24px 26px; gap: 10px; }
  .hub__title { font-size: clamp(1.5rem, 2vw, 1.9rem); }
  .hub__body p { font-size: .92rem; line-height: 1.55; }
  .hub__btn { margin-top: 6px; padding: 13px 20px; font-size: .68rem; }
}

/* Free Resources hub: sky-top gradient on card buttons and top strip */
.hub__btn { background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%); }
.hub__card:hover .hub__btn { background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%); color: #fff; }
.hub__card .hub__btn:hover { background: #32b0e6; color: #fff; }
.hub__card { border-top: 0; }
.hub__card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px; z-index: 2; background: linear-gradient(90deg, #32b0e6 0%, #0062af 100%); }
.hub__card--soon::before { opacity: .6; }

/* Free Resources hub: navy halo buttons with sheen (option H) */
.hub__btn, .hub__card:hover .hub__btn {
  position: relative; overflow: hidden; border-radius: 4px; color: #fff;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.25), 0 0 0 4px rgba(50,176,230,.18);
  transition: background .25s, box-shadow .25s;
}
.hub__btn::before {
  content: ""; position: absolute; top: 0; bottom: 0; left: -60%; width: 40%;
  background: linear-gradient(100deg, transparent, rgba(255,255,255,.35), transparent);
  transform: skewX(-20deg); transition: left .6s ease; pointer-events: none;
}
.hub__card .hub__btn:hover {
  background: #32b0e6;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 6px rgba(50,176,230,.3);
}
.hub__card .hub__btn:hover::before { left: 130%; }

/* Free Resources hub: rounded cards like the topic photo cards */
.hub__card { border-radius: 16px; }
.hub__btn::before, .hub__card .hub__btn:hover::before { content: none; }

/* Footer social icons */
.footer__social { display: flex; gap: 10px; margin-top: 8px; }
.footer__contact .footer__social a { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; color: #fff !important; background: rgba(255,255,255,.08); box-shadow: inset 0 0 0 1px rgba(255,255,255,.22); transition: background .2s, box-shadow .2s, transform .2s; }
.footer__contact .footer__social a:hover { background: #32b0e6; box-shadow: inset 0 0 0 1px #32b0e6; transform: translateY(-2px); color: #fff !important; }

/* Webinar feature on the Medicare service page */
.svc-webinar .webinar { margin: 0; }
.svc-webinar { padding-top: 0; }

/* Medicare intro as navy stats band (matches home page) */
.svc-intro--band + .svc-topics { padding-top: clamp(64px, 8vw, 104px); }
.hero--page + .svc-intro--band { padding: 40px 0; overflow-x: visible; }
@media (max-width: 700px) { .hero--page + .svc-intro--band { padding: 32px 0; } }

/* Medicare page: two journeys (aging in / already enrolled) */
.med-chooser { padding: clamp(48px, 6vw, 72px) 0 0; }
.med-paths { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 18px; }
.med-path { display: flex; align-items: center; gap: 18px; padding: 22px 24px; border: 1px solid var(--line); border-radius: 16px; background: #fff; color: inherit; text-decoration: none; box-shadow: 0 14px 30px -22px rgba(0,57,94,.45); transition: border-color .25s, transform .25s, box-shadow .25s; }
.med-path:hover { border-color: #32b0e6; transform: translateY(-2px); box-shadow: 0 18px 34px -20px rgba(0,98,175,.5); }
.med-path__num { flex: none; display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 14px; background: linear-gradient(180deg, #32b0e6 0%, #0062af 70%); color: #fff; font-weight: 700; letter-spacing: .02em; }
.med-path__text { display: grid; gap: 4px; flex: 1; }
.med-path__text strong { font-size: 1.05rem; font-weight: 600; color: #00395e; }
.med-path__text span { font-size: .9rem; color: var(--muted); }
.med-path__arrow { flex: none; font-size: 1.2rem; color: #0062af; }
.med-stage { scroll-margin-top: 90px; }
.med-stage + .med-stage { border-top: 0; }
.med-stage--alt { background: linear-gradient(180deg, #f2f8fd 0%, #fff 100%); border-top: 1px solid #dbe9f5; }
.med-stage--alt .svc { background: #fff; }
.med-stage__head { display: grid; grid-template-columns: auto 1fr; gap: clamp(20px, 3vw, 36px); align-items: start; max-width: 860px; }
.med-stage__num { font-size: clamp(3.4rem, 7vw, 5.6rem); font-weight: 700; line-height: .9; letter-spacing: -.04em; background: linear-gradient(180deg, #32b0e6 0%, #0062af 70%); -webkit-background-clip: text; background-clip: text; color: transparent; }
.med-stage__head h2 { margin: 10px 0 12px; }
.med-stage__head p { margin: 0; max-width: 60ch; }
.med-stage .webinar { margin: clamp(40px, 5vw, 56px) 0 0; }
.med-stage + .svc-more { padding-top: clamp(64px, 8vw, 104px); }
@media (max-width: 760px) {
  .med-paths { grid-template-columns: 1fr; }
  .med-stage__head { grid-template-columns: 1fr; gap: 6px; }
}

/* Medicare path tiles: premium photo cards (match Contacts & Links agency cards) */
.med-paths { gap: 28px; margin-top: 22px; }
.med-path { position: relative; min-height: 190px; align-items: flex-end; padding: 26px 28px; border: 0; border-radius: 20px; color: #fff; overflow: visible;
  background: linear-gradient(180deg, rgba(0,38,64,.45) 0%, rgba(0,38,64,.94) 100%), var(--photo) var(--photo-pos, center) / cover no-repeat;
  outline: 3px solid transparent; outline-offset: 4px;
  box-shadow: 0 22px 40px -20px rgba(0,57,94,.65);
  transition: outline-color .25s, transform .25s, box-shadow .25s, background .25s; }
.med-path:hover, .med-path:focus-visible { outline-color: #32b0e6; transform: translateY(-3px); box-shadow: 0 26px 44px -18px rgba(0,57,94,.75);
  background: linear-gradient(180deg, rgba(0,38,64,.25) 0%, rgba(0,38,64,.9) 100%), var(--photo) var(--photo-pos, center) / cover no-repeat; }
.med-path__num { width: 48px; height: 48px; border-radius: 14px; background: rgba(255,255,255,.14); box-shadow: inset 0 0 0 1px rgba(255,255,255,.35); backdrop-filter: blur(4px); font-size: .95rem; }
.med-path__text strong { color: #fff; font-size: 1.3rem; text-shadow: 0 2px 12px rgba(0,0,0,.35); }
.med-path__text span { color: rgba(255,255,255,.88); }
.med-path__arrow { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: #fff; color: #00395e; font-size: 1rem; transition: background .25s, color .25s, transform .25s; }
.med-path:hover .med-path__arrow { background: #32b0e6; color: #fff; transform: translateY(2px); }
@media (max-width: 760px) { .med-path { min-height: 160px; padding: 20px; } .med-path__text strong { font-size: 1.12rem; } }
.med-path--new { --photo: url("topic-medicare.jpg"); --photo-pos: 45% 45%; }
.med-path--enrolled { --photo: url("guide-consultation.jpg"); --photo-pos: 50% 35%; }

/* Medicare section 01: glossary + FAQ photo cards */
.med-learn { margin-top: clamp(40px, 5vw, 56px); }
.med-learn__title { margin: 0; font-size: .74rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 600; color: var(--muted); }
.med-learn .med-paths { margin-top: 18px; }
.med-path--glossary { --photo: url("guide-glossary-4.jpg"); --photo-pos: 48% 45%; }
.med-path--faq { --photo: url("guide-glossary-2.jpg"); --photo-pos: 50% 35%; }
.med-path:hover .med-path__arrow:not(:empty) { transform: translateX(3px); }
.med-paths .med-path[href^="#"]:hover .med-path__arrow { transform: translateY(2px); }

/* Medicare section 01 on navy */
.med-stage--navy { background: #00395e; }
.med-chooser { padding-bottom: clamp(48px, 6vw, 72px); }
.med-stage--navy .eyebrow { color: #7fd0f2; }
.med-stage--navy h2, .med-stage--navy h3 { color: #fff; }
.med-stage--navy h2 em { color: rgba(255,255,255,.75); }
.med-stage--navy .med-stage__num { background: linear-gradient(180deg, #7fd0f2 0%, #32b0e6 100%); -webkit-background-clip: text; background-clip: text; }
.med-stage--navy .svc { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.16); }
.med-stage--navy .svc p { color: rgba(255,255,255,.8); }
.med-stage--navy .svc__icon { background: linear-gradient(180deg, #32b0e6 0%, #0062af 100%); }
.med-stage--navy .med-learn__title { color: #7fd0f2; }
.med-stage--navy .med-path { box-shadow: 0 22px 40px -20px rgba(0,0,0,.6), inset 0 0 0 1px rgba(255,255,255,.14); }
.med-stage--navy .webinar { box-shadow: 0 22px 40px -18px rgba(0,0,0,.55), inset 0 0 0 1px rgba(255,255,255,.14); }
/* Section 01: sky-top fade instead of flat navy */
.med-stage--navy { background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%); }
.med-stage--navy .med-stage__num { background: none; -webkit-background-clip: border-box; background-clip: border-box; color: #fff; }
.med-stage--navy .eyebrow, .med-stage--navy .med-learn__title { color: #e0f3ff; }
.med-stage--navy .svc { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.25); }
.med-stage--navy .svc__icon { background: #fff; color: #0062af; }

/* Section 01 back on white, clearly divided from the chooser above */
.med-chooser { background: #f2f8fd; padding: clamp(40px, 5vw, 56px) 0; border-bottom: 1px solid #dbe9f5; }
.med-stage--first { position: relative; }
.med-stage--first::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px; background: linear-gradient(90deg, #32b0e6, #0062af); }

/* About: meet the owner */
.owner__grid { display: grid; grid-template-columns: auto 1fr; gap: clamp(32px, 6vw, 80px); align-items: center; max-width: 1000px; }
.owner__photo { position: relative; width: clamp(220px, 26vw, 320px); aspect-ratio: 1; border-radius: 50%; padding: 6px; background: linear-gradient(180deg, #32b0e6 0%, #0062af 100%); box-shadow: 0 26px 50px -24px rgba(0,57,94,.6); }
.owner__photo img { display: block; width: 100%; height: 100%; border-radius: 50%; object-fit: cover; object-position: 50% 22%; border: 5px solid #fff; }
.owner__copy h2 { margin: 10px 0 4px; }
.owner__role { margin: 0 0 16px; font-size: .78rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 600; color: #0062af; }
.owner__copy .muted { max-width: 52ch; margin: 0; }
.owner__btns { display: flex; flex-wrap: wrap; align-items: center; gap: 20px; margin-top: 26px; }
.owner__btn { background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%); color: #fff; border-radius: 4px; box-shadow: inset 0 0 0 1px rgba(255,255,255,.25), 0 0 0 4px rgba(50,176,230,.18); }
.owner__btn:hover { background: #32b0e6; color: #fff; }
.owner__call { font-weight: 600; color: #00395e; text-decoration: none; }
.owner__call:hover { color: #0062af; }
@media (max-width: 760px) { .owner__grid { grid-template-columns: 1fr; justify-items: center; text-align: center; } .owner__copy .muted { margin: 0 auto; } .owner__btns { justify-content: center; } }
.owner__creds { font-weight: 400; font-size: .5em; letter-spacing: .04em; color: #0062af; white-space: nowrap; }
.owner__creds sup { font-size: .6em; }
.owner + .sec--white { padding-top: 0; }
.owner__grid { max-width: 1100px; }
.owner__copy h2 { font-size: clamp(1.7rem, 3vw, 2.5rem); }
.owner__name { white-space: nowrap; }
.owner__creds::before { content: ", "; }
@media (max-width: 760px) { .owner__creds { display: block; margin-top: 6px; font-size: .55em; } .owner__creds::before { content: none; } }
/* Owner photo: more headroom above the hair */
.owner__frame { display: block; width: 100%; height: 100%; border-radius: 50%; overflow: hidden; border: 5px solid #fff; background: #2b3140; }
.owner__frame img { border: 0; border-radius: 0; object-position: 50% 0; transform: translateY(9%); }
/* Owner photo: no shift, larger circle, crop from the top of the photo */
.owner__frame img { transform: none; object-position: 50% 0; }
.owner__photo { width: clamp(260px, 30vw, 390px); }

/* RULE: a compact band right under any page hero gets the same padding as the home page sub-header band */
.hero--page + .sec--compact { padding: 40px 0; overflow-x: visible; }
@media (max-width: 700px) { .hero--page + .sec--compact { padding: 32px 0; } }

/* Medicare section 01: strategy session pill */
.strategy { display: flex; align-items: center; gap: clamp(16px, 2.5vw, 28px); margin-top: clamp(28px, 4vw, 40px); padding: 22px 22px 22px 26px; border-radius: 999px; color: #fff;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 70%);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.25), 0 0 0 6px rgba(50,176,230,.14), 0 22px 40px -20px rgba(0,57,94,.6); }
.strategy__icon { flex: none; display: inline-flex; align-items: center; justify-content: center; width: 60px; height: 60px; border-radius: 50%; background: #fff; color: #0062af; box-shadow: 0 8px 18px -8px rgba(0,0,0,.35); }
.strategy__text { flex: 1; display: grid; gap: 3px; }
.strategy__tag { font-size: .68rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 700; color: #e0f3ff; }
.strategy__text strong { font-size: clamp(1.15rem, 1.8vw, 1.4rem); font-weight: 600; color: #fff; }
.strategy__text > span:last-child { font-size: .92rem; color: rgba(255,255,255,.9); max-width: 62ch; }
.strategy__btn { flex: none; display: inline-flex; align-items: center; gap: 10px; padding: 16px 26px; border-radius: 999px; background: #fff; color: #00395e; text-decoration: none; font-size: .76rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 700; transition: background .25s, color .25s, transform .25s; }
.strategy__btn:hover { background: #00395e; color: #fff; transform: translateY(-2px); }
@media (max-width: 760px) { .strategy { flex-direction: column; align-items: flex-start; border-radius: 24px; padding: 24px; } .strategy__btn { align-self: stretch; justify-content: center; } }

/* Strategy session card: same style as the webinar card */
.med-stage .webinar--strategy { margin-top: 28px; }
.webinar--strategy .webinar__img { object-position: 50% 20%; }

/* Medicare landing page (chooser, no hero) */
.med-landing { min-height: calc(100vh - 76px); display: flex; align-items: center; padding: clamp(64px, 9vw, 120px) 0; background: linear-gradient(180deg, #f2f8fd 0%, #fff 100%); text-align: center; }
.med-landing .wrap { width: 100%; }
.med-landing h1 { margin: 14px auto 16px; font-size: clamp(2.6rem, 6vw, 4.6rem); line-height: 1.05; letter-spacing: -.02em; color: #00395e; }
.med-landing h1 em { color: #0062af; }
.med-landing .muted { max-width: 52ch; margin: 0 auto; font-size: 1.08rem; }
.med-landing .med-paths { max-width: 1100px; margin: clamp(40px, 5vw, 60px) auto 0; text-align: left; }
.med-landing .med-path { min-height: 240px; }
.med-landing .med-path:hover .med-path__arrow { transform: translateX(3px); }
.med-stage__head--solo { grid-template-columns: 1fr; }
.med-landing > .wrap > p.muted { font-size: clamp(1.25rem, 2vw, 1.6rem); max-width: none; }
/* Medicare chooser: editorial cards (photo on top, caption below) */
.med-landing .med-path, .med-landing .med-path:hover, .med-landing .med-path:focus-visible { background: #fff; }
.med-landing .med-path { display: grid; grid-template-columns: 1fr auto; align-items: center; column-gap: 18px; min-height: 0; padding: 0; overflow: hidden; color: #00395e; border: 1px solid #dbe7f1; box-shadow: 0 24px 44px -26px rgba(0,57,94,.45); }
.med-landing .med-path::before { content: ""; grid-column: 1 / -1; display: block; aspect-ratio: 16 / 8.5; background: var(--photo) var(--photo-pos, center) / cover no-repeat; transition: transform .6s ease; }
.med-landing .med-path:hover::before { transform: scale(1.04); }
.med-landing .med-path__text { position: relative; z-index: 1; padding: 22px 0 24px 26px; background: #fff; }
.med-landing .med-path__text strong { color: #00395e; font-size: 1.3rem; text-shadow: none; }
.med-landing .med-path__text span { color: var(--muted); font-size: .98rem; }
.med-landing .med-path__arrow { position: relative; z-index: 1; margin-right: 24px; width: 46px; height: 46px; background: #00395e; color: #fff; }
.med-landing .med-path:hover .med-path__arrow { background: #0062af; color: #fff; }
@media (max-width: 760px) { .med-landing .med-path__text { padding: 18px 0 20px 20px; } .med-landing .med-path__arrow { margin-right: 18px; width: 40px; height: 40px; } .med-landing .med-path__text strong { font-size: 1.12rem; } }
/* Medicare chooser: option F, photo above a navy footer bar */
.med-landing .med-path, .med-landing .med-path:hover, .med-landing .med-path:focus-visible { background: #00395e; }
.med-landing .med-path { border: 0; }
.med-landing .med-path::before { border-bottom: 4px solid #32b0e6; }
.med-landing .med-path__text { background: transparent; }
.med-landing .med-path__text strong { color: #fff; }
.med-landing .med-path__text span { color: rgba(255,255,255,.78); }
.med-landing .med-path__arrow { background: #fff; color: #00395e; }
.med-landing .med-path:hover .med-path__arrow { background: #32b0e6; color: #fff; }
/* Medicare enrollment window calculator */
.iep { margin-top: clamp(32px, 4vw, 48px); border: 1px solid #dbe7f1; border-radius: 24px; background: #fff; box-shadow: 0 30px 60px -40px rgba(0,57,94,.45); overflow: hidden; }
.iep__form { display: grid; grid-template-columns: 1fr 1.15fr; gap: clamp(24px, 4vw, 56px); align-items: center; padding: clamp(26px, 4vw, 48px); background: linear-gradient(135deg, #00395e 0%, #004f80 100%); color: #fff; }
.iep__tag { display: inline-block; font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; color: #7fd0f2; }
.iep__intro h3 { margin: 10px 0 10px; font-size: clamp(1.7rem, 3vw, 2.3rem); line-height: 1.1; color: #fff; }
.iep__intro h3 em { color: #7fd0f2; }
.iep__intro p { margin: 0; color: rgba(255,255,255,.82); line-height: 1.6; }
.iep__fields { display: grid; grid-template-columns: 1.4fr .8fr 1fr; gap: 12px; margin: 0; padding: 0; border: 0; min-width: 0; }
.iep__fields legend { padding: 0; margin-bottom: 12px; font-weight: 600; font-size: .95rem; color: #fff; }
.iep__fields label { display: grid; gap: 6px; min-width: 0; }
.iep__fields label span { font-size: .78rem; color: rgba(255,255,255,.75); }
.iep__fields select, .iep__fields input { width: 100%; height: 52px; padding: 0 14px; border: 1px solid rgba(255,255,255,.25); border-radius: 12px; background: #fff; color: #00395e; font: inherit; font-size: 1.05rem; -moz-appearance: textfield; }
.iep__fields input::-webkit-inner-spin-button, .iep__fields input::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.iep__fields select:focus, .iep__fields input:focus { outline: 3px solid #32b0e6; outline-offset: 1px; }
.iep__btn { grid-column: 1 / -1; height: 54px; border: 0; border-radius: 999px; background: #32b0e6; color: #fff; font: inherit; font-weight: 600; font-size: 1.02rem; cursor: pointer; transition: background .25s, transform .25s; }
.iep__btn:hover { background: #fff; color: #00395e; transform: translateY(-1px); }
.iep__error { grid-column: 2; margin: -8px 0 0; color: #ffd2cc; font-size: .92rem; font-weight: 500; }
.iep__privacy { grid-column: 2; margin: -10px 0 0; font-size: .8rem; color: rgba(255,255,255,.6); }
.iep__result { padding: clamp(26px, 4vw, 48px); }
.iep__status { display: grid; gap: 8px; }
.iep__chip { justify-self: start; padding: 6px 14px; border-radius: 999px; font-size: .8rem; font-weight: 600; letter-spacing: .04em; background: #e6f4fc; color: #0062af; }
.iep.is-open .iep__chip { background: #e3f6ec; color: #11683f; }
.iep.is-closed .iep__chip { background: #fdecea; color: #a3261a; }
.iep__status h4 { margin: 4px 0 0; font-size: clamp(1.35rem, 2.4vw, 1.75rem); color: #00395e; line-height: 1.25; }
.iep__status p { margin: 0; color: var(--muted); font-size: 1.02rem; }
.iep__stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 26px; }
.iep__stats div { padding: 16px 18px; border-radius: 14px; background: #f2f8fd; display: grid; gap: 4px; }
.iep__stats span { font-size: .78rem; color: var(--muted); }
.iep__stats strong { font-size: 1.12rem; color: #00395e; }
.iep__timeline { list-style: none; display: grid; grid-template-columns: repeat(7, 1fr); gap: 6px; margin: 28px 0 0; padding: 0; }
.iep__timeline li { position: relative; display: grid; gap: 2px; padding: 16px 10px 14px; border-radius: 12px; text-align: center; background: #e6f4fc; color: #00395e; }
.iep__timeline li.is-bday { background: #00395e; color: #fff; }
.iep__timeline li.is-late { background: #f2f5f8; }
.iep__timeline li.is-now { box-shadow: 0 0 0 3px #32b0e6; }
.iep__mo { font-weight: 700; font-size: 1.05rem; }
.iep__yr { font-size: .78rem; opacity: .7; }
.iep__cov { margin-top: 6px; font-size: .72rem; opacity: .85; }
.iep__flag, .iep__here { position: absolute; left: 50%; transform: translateX(-50%); white-space: nowrap; font-size: .68rem; font-weight: 600; padding: 3px 9px; border-radius: 999px; }
.iep__flag { top: -11px; background: #32b0e6; color: #fff; }
.iep__here { bottom: -11px; background: #fff; color: #0062af; box-shadow: 0 0 0 1.5px #32b0e6; }
.iep__legend { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 22px; font-size: .82rem; color: var(--muted); }
.iep__legend span::before { content: ""; display: inline-block; width: 12px; height: 12px; margin-right: 8px; border-radius: 4px; vertical-align: -1px; background: #e6f4fc; }
.iep__legend .is-bday::before { background: #00395e; }
.iep__legend .is-late::before { background: #f2f5f8; box-shadow: inset 0 0 0 1px #d5dde5; }
.iep__note { margin: 20px 0 0; padding: 14px 18px; border-left: 4px solid #32b0e6; background: #f2f8fd; color: #00395e; font-weight: 500; }
.iep__fine { margin: 14px 0 0; font-size: .82rem; color: var(--muted); line-height: 1.6; }
@media (max-width: 900px) {
  .iep__form { grid-template-columns: 1fr; }
  .iep__error, .iep__privacy { grid-column: 1; }
  .iep__stats { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .iep__fields { grid-template-columns: 1fr 1fr; }
  .iep__fields label:first-of-type { grid-column: 1 / -1; }
  .iep__timeline { grid-template-columns: 1fr; gap: 8px; }
  .iep__timeline li { grid-template-columns: auto auto 1fr; align-items: baseline; gap: 8px; text-align: left; padding: 12px 16px; }
  .iep__cov { margin: 0; text-align: right; }
  .iep__flag, .iep__here { position: static; transform: none; grid-column: 1 / -1; justify-self: start; }
}
.iep__timeline li.is-early, .iep__legend .is-early::before { background: #d4ecfa; }
.iep__privacy { font-size: .9rem; color: rgba(255,255,255,.9); font-weight: 500; }
.iep__privacy { display: flex; align-items: center; gap: 8px; }
.iep__privacy::before { content: ""; flex: none; width: 15px; height: 15px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%237fd0f2' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='4' y='11' width='16' height='10' rx='2'/%3E%3Cpath d='M8 11V7a4 4 0 0 1 8 0v4'/%3E%3C/svg%3E") center / contain no-repeat; }
.iep__privacy { justify-content: center; text-align: center; }
.iep__btn { margin-top: 10px; }
.iep__error, .iep__privacy { grid-column: 1 / -1; margin: 0; }
.iep__privacy { font-size: .8rem; }
.iep__form { align-items: start; }
.iep__tag { display: block; line-height: 1.4; }
.iep__fields legend { line-height: 1.4; }
.iep__tag, .iep__fields legend { line-height: 22px; }
/* Enrollment calculator result, v2 (premium, simplified) */
.iep__result { padding: clamp(28px, 4.5vw, 56px); background: linear-gradient(180deg, #f5fafe 0%, #fff 60%); }
.iep__top { display: grid; grid-template-columns: auto 1fr; gap: clamp(28px, 4vw, 56px); align-items: center; }
.iep__ring { position: relative; width: clamp(170px, 18vw, 210px); aspect-ratio: 1; filter: drop-shadow(0 18px 30px rgba(0,57,94,.18)); }
.iep__ring svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.iep__ring circle { fill: none; stroke-width: 9; }
.iep__ring-bg { stroke: #e3eef7; }
.iep__ring-fg { stroke: url(#iepGrad); stroke-linecap: round; transition: stroke-dashoffset 1.3s cubic-bezier(.2,.7,.2,1); }
.iep.is-closed .iep__ring-fg { stroke: #c4d3df; }
.iep__ring-num { position: absolute; inset: 14px; border-radius: 50%; background: #fff; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; }
.iep__ring-num strong { font-size: clamp(2.4rem, 4vw, 3.1rem); line-height: 1; font-weight: 700; color: #00395e; letter-spacing: -.02em; }
.iep__ring-num span { margin-top: 6px; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.iep__status { display: grid; gap: 10px; }
.iep__chip { padding: 7px 14px 7px 12px; display: inline-flex; align-items: center; gap: 8px; }
.iep__chip::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: currentColor; }
.iep.is-open .iep__chip::before { animation: iepPulse 1.8s ease-out infinite; }
@keyframes iepPulse { 0% { box-shadow: 0 0 0 0 rgba(17,104,63,.45); } 100% { box-shadow: 0 0 0 9px rgba(17,104,63,0); } }
.iep__status h4 { margin: 2px 0 0; font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -.01em; }
.iep__status p { font-size: 1.05rem; }
.iep__dates { display: flex; flex-wrap: wrap; margin: 12px 0 0; padding: 16px 0 0; border-top: 1px solid #e3edf5; }
.iep__dates div { padding-right: clamp(18px, 2.6vw, 34px); margin-right: clamp(18px, 2.6vw, 34px); border-right: 1px solid #e3edf5; }
.iep__dates div:last-child { border: 0; margin: 0; padding: 0; }
.iep__dates dt { font-size: .7rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 600; color: var(--muted); }
.iep__dates dd { margin: 4px 0 0; font-size: 1.08rem; font-weight: 700; color: #00395e; }
.iep__track { margin-top: clamp(36px, 5vw, 52px); }
.iep__zones { display: grid; grid-template-columns: 3fr 4fr; gap: 10px; margin-bottom: 34px; font-size: .78rem; font-weight: 600; color: #0062af; }
.iep__zones span + span { color: var(--muted); text-align: right; }
.iep__bar { position: relative; height: 12px; border-radius: 999px; background: linear-gradient(90deg, #7fd0f2 0%, #32b0e6 42.857%, #00395e 42.857%, #00395e 57.143%, #c9e1f1 57.143%, #e1edf6 100%); }
.iep__today { position: absolute; top: 50%; width: 20px; height: 20px; margin: -10px 0 0 -10px; border-radius: 50%; background: #fff; box-shadow: 0 0 0 4px #32b0e6, 0 6px 14px rgba(0,57,94,.35); }
.iep__today b { position: absolute; bottom: 26px; left: 50%; transform: translateX(-50%); padding: 3px 10px; border-radius: 999px; background: #00395e; color: #fff; font-size: .7rem; font-weight: 600; white-space: nowrap; }
.iep__months { list-style: none; display: grid; grid-template-columns: repeat(7, 1fr); margin: 14px 0 0; padding: 0; text-align: center; }
.iep__months li { display: grid; gap: 1px; }
.iep__months strong { font-size: .98rem; color: #00395e; }
.iep__months span { font-size: .74rem; color: var(--muted); }
.iep__months li.is-bday::after { content: "Turn 65"; justify-self: center; margin-top: 6px; padding: 2px 9px; border-radius: 999px; background: #00395e; color: #fff; font-size: .66rem; font-weight: 600; }
.iep__next { display: flex; align-items: center; justify-content: space-between; gap: 18px 28px; margin-top: clamp(32px, 4vw, 44px); padding: 22px 26px; border-radius: 18px; background: linear-gradient(135deg, #00395e 0%, #00507f 100%); box-shadow: 0 20px 40px -26px rgba(0,57,94,.7); }
.iep__next p { margin: 0; color: #fff; font-size: 1.04rem; font-weight: 500; line-height: 1.5; max-width: 56ch; }
.iep__cta { flex: none; display: inline-flex; align-items: center; gap: 8px; padding: 13px 22px; border-radius: 999px; background: #fff; color: #00395e; font-weight: 600; font-size: .95rem; text-decoration: none; transition: background .25s, color .25s, transform .25s; }
.iep__cta:hover { background: #32b0e6; color: #fff; transform: translateY(-1px); }
.iep__fine { margin-top: 14px; text-align: center; font-size: .78rem; }
@media (max-width: 760px) {
  .iep__top { grid-template-columns: 1fr; justify-items: center; text-align: center; }
  .iep__status { justify-items: center; }
  .iep__dates { justify-content: center; gap: 12px 0; }
  .iep__zones { grid-template-columns: 1fr 1fr; font-size: .7rem; }
  .iep__months strong { font-size: .82rem; }
  .iep__months span { font-size: .64rem; }
  .iep__months li.is-bday::after { font-size: .58rem; padding: 2px 6px; }
  .iep__next { flex-direction: column; align-items: flex-start; }
}
.iep__months li { align-content: start; }
.iep__today { font-style: normal; }
.iep__months li.is-bday::after { white-space: nowrap; }
@media (max-width: 760px) {
  .iep__dates { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; width: 100%; }
  .iep__dates div, .iep__dates div:last-child { margin: 0; padding: 0 6px; border-right: 1px solid #e3edf5; }
  .iep__dates div:last-child { border: 0; }
  .iep__dates dt { font-size: .6rem; letter-spacing: .1em; }
  .iep__dates dd { font-size: .86rem; }
  .iep__months li.is-bday::after { font-size: .55rem; padding: 2px 5px; }
}
/* Ring status colors: open = green, 30 days or less = yellow, missed = red */
.iep.is-open .iep__ring-fg { stroke: #1f9d5c; }
.iep.is-open .iep__ring-bg { stroke: #e2f4ea; }
.iep.is-urgent .iep__ring-fg { stroke: #f2b01e; }
.iep.is-urgent .iep__ring-bg { stroke: #fdf1d6; }
.iep.is-urgent .iep__chip { background: #fff4d6; color: #8a5a00; }
.iep.is-urgent .iep__chip::before { animation: iepPulseY 1.8s ease-out infinite; }
@keyframes iepPulseY { 0% { box-shadow: 0 0 0 0 rgba(242,176,30,.55); } 100% { box-shadow: 0 0 0 9px rgba(242,176,30,0); } }
.iep.is-closed .iep__ring-fg { stroke: #d6453a; }
.iep.is-closed .iep__ring-bg { stroke: #fbe3e1; }
.iep.is-open .iep__ring-num strong, .iep.is-open .iep__ring-num span { color: #17824b; }
.iep.is-urgent .iep__ring-num strong, .iep.is-urgent .iep__ring-num span { color: #c48a00; }
.iep.is-closed .iep__ring-num strong, .iep.is-closed .iep__ring-num span { color: #c2362c; }
.iep__ring-num { inset: 11%; }
.iep__dates dd[data-close] { color: #c2362c; }
.iep__dates dd[data-open] { color: #17824b; }
/* Birthday-month star marker on the timeline bar */
.iep__zones { margin-bottom: 50px; }
.iep__star { position: absolute; left: 50%; bottom: 22px; transform: translateX(-50%); width: 34px; height: 34px; border-radius: 50%; background: #00395e; color: #ffc93c; display: flex; align-items: center; justify-content: center; font-style: normal; box-shadow: 0 0 0 3px #fff, 0 8px 18px -6px rgba(0,57,94,.6); z-index: 1; }
.iep__star::after { content: ""; position: absolute; top: 100%; left: 50%; margin-left: -6px; margin-top: 1px; border: 6px solid transparent; border-top: 7px solid #00395e; border-bottom: 0; }
.iep.is-bdaynow .iep__star { bottom: 58px; }
.iep.is-bdaynow .iep__zones { margin-bottom: 86px; }
.iep__today { z-index: 2; }
.iep__star { background: linear-gradient(145deg, #ffd766 0%, #e2a613 55%, #c18a06 100%); color: #fff; box-shadow: 0 0 0 3px #fff, 0 8px 18px -6px rgba(193,138,6,.7); }
.iep__star svg { filter: drop-shadow(0 1px 1px rgba(120,80,0,.35)); }
.iep__star::after { border-top-color: #c99210; }
.iep__months li.is-bday::after { background: linear-gradient(145deg, #ffd766 0%, #e2a613 55%, #c18a06 100%); color: #fff; text-shadow: 0 1px 1px rgba(120,80,0,.35); }
/* Timeline in green while the window is open */
.iep.is-open .iep__bar { background: linear-gradient(90deg, #8fe0b0 0%, #2fb36b 42.857%, #136b3f 42.857%, #136b3f 57.143%, #c4ead3 57.143%, #e2f5ea 100%); }
.iep.is-open .iep__today { box-shadow: 0 0 0 4px #2fb36b, 0 6px 14px rgba(19,107,63,.35); }
.iep.is-open .iep__today b { background: #136b3f; }
.iep.is-open .iep__zones span:first-child { color: #17824b; }
/* Zone captions sit under the timeline */
.iep__track { padding-top: 50px; }
.iep.is-bdaynow .iep__track { padding-top: 86px; }
.iep__zones, .iep.is-bdaynow .iep__zones { margin: 22px 0 0; padding-top: 16px; border-top: 1px solid #e3edf5; }
@media (min-width: 761px) { .iep__months li.is-bday::after { font-size: .8rem; padding: 4px 13px; margin-top: 8px; } }
@media (min-width: 761px) { .iep__dates dt { font-size: .8rem; } .iep__dates dd { font-size: 1.3rem; margin-top: 6px; } }
@media (min-width: 761px) { .iep__months strong { font-size: 1.15rem; } .iep__months span { font-size: .85rem; } }
.iep + .med-learn { margin-top: clamp(64px, 8vw, 110px); }
.med-learn + .webinar { margin-top: clamp(64px, 8vw, 110px); }
@media (min-width: 761px) { .iep + .med-learn, .med-learn + .webinar { margin-top: 220px; } }
@media (min-width: 761px) { .svc-intro--band .split h2 { white-space: nowrap; } }
/* Countdown ring: layered bezel (option C) */
.iep__ring { filter: drop-shadow(0 16px 26px rgba(0,57,94,.14)); }
.iep__ring svg { overflow: visible; }
.iep__ring-rim { fill: #fff; stroke: #cfe0ec; stroke-width: 1; }
.iep__ring circle.iep__ring-bg, .iep.is-open .iep__ring-bg, .iep.is-urgent .iep__ring-bg, .iep.is-closed .iep__ring-bg { stroke: #eef3f7; stroke-width: 12; }
.iep__ring circle.iep__ring-fg { stroke-width: 12; transition: none; stroke: #0062af; }
.iep.is-open .iep__ring-fg { stroke: #1f9d5c; }
.iep.is-urgent .iep__ring-fg { stroke: #f2b01e; }
.iep.is-closed .iep__ring-fg { stroke: #d6453a; }
.iep__ring circle.iep__ring-cap { fill: #fff; stroke-width: 3; stroke: #0062af; filter: drop-shadow(0 2px 3px rgba(0,0,0,.18)); }
.iep.is-open .iep__ring-cap { stroke: #1f9d5c; }
.iep.is-urgent .iep__ring-cap { stroke: #f2b01e; }
.iep.is-closed .iep__ring-cap { stroke: #d6453a; }
.iep__ring-num { inset: 16%; box-shadow: inset 0 0 0 1px #e6edf3, inset 0 6px 14px rgba(0,57,94,.06); }
/* Outer bezel: very faint status color */
.iep__ring circle.iep__ring-rim { stroke: #e4eff8; }
.iep.is-open .iep__ring circle.iep__ring-rim { stroke: #e3f5ea; }
.iep.is-urgent .iep__ring circle.iep__ring-rim { stroke: #fdf3dc; }
.iep.is-closed .iep__ring circle.iep__ring-rim { stroke: #fce6e4; }
/* Ring depth: option F (hairline edges, recessed track, raised face) */
.iep__ring circle.iep__ring-line { fill: none; stroke-width: .8; stroke: #c4dcee; }
.iep.is-open .iep__ring circle.iep__ring-line { stroke: #bfe3cd; }
.iep.is-urgent .iep__ring circle.iep__ring-line { stroke: #f3dc9f; }
.iep.is-closed .iep__ring circle.iep__ring-line { stroke: #f2c3bf; }
.iep__ring circle.iep__ring-bg, .iep.is-open .iep__ring-bg, .iep.is-urgent .iep__ring-bg, .iep.is-closed .iep__ring-bg { stroke: #e7edf2; stroke-width: 13; }
.iep__ring-num { inset: 16.5%; background: linear-gradient(180deg, #fff 0%, #f1f5f8 100%); box-shadow: 0 0 0 1px #dfe7ee, inset 0 0 0 2px #fff, 0 10px 18px -6px rgba(0,57,94,.22); }
/* Ring depth: option D only (raised face) */
.iep__ring circle.iep__ring-line { display: none; }
.iep__ring circle.iep__ring-bg, .iep.is-open .iep__ring-bg, .iep.is-urgent .iep__ring-bg, .iep.is-closed .iep__ring-bg { filter: none; stroke: #eef3f7; stroke-width: 12; }
/* Ring depth: option E (beveled bezel + outer edge line), flat face */
.iep__ring circle.iep__ring-rim { stroke: url(#iepBevSoon); }
.iep.is-open .iep__ring circle.iep__ring-rim { stroke: url(#iepBevOpen); }
.iep.is-urgent .iep__ring circle.iep__ring-rim { stroke: url(#iepBevUrgent); }
.iep.is-closed .iep__ring circle.iep__ring-rim { stroke: url(#iepBevClosed); }
.iep__ring circle.iep__ring-line[r="63"] { display: block; stroke-width: .7; }
.iep__ring-num { background: #fff; box-shadow: none; }
@media (min-width: 761px) { .iep__next { padding: 36px 40px; } }
.iep__next { background: linear-gradient(110deg, #00395e 0%, #004f86 45%, #0062af 75%, #2a9fdc 100%); }
.iep__dates dd[data-open] { color: #1fa463; }
.med-learn__heading { margin: 0; }
.med-learn__heading + .med-paths { margin-top: clamp(24px, 3vw, 36px); }
.med-learn .med-stage__head + .med-paths { margin-top: clamp(24px, 3vw, 36px); }
.med-learn-sec .med-learn { margin-top: 0; }
.med-learn-sec + .svc-more { padding-top: clamp(64px, 8vw, 104px); }
.med-learn-sec { background: var(--sky-tint); }
.svc-intro--band .split { align-items: center; }
.svc-intro--band .split .muted { padding-bottom: 0; }
@media (min-width: 761px) { .med-stage__head .muted { font-size: 1.15rem; max-width: 60ch; } }
@media (min-width: 761px) { .sec:not(.sec--compact):not(.sec--navy) h2 + .muted { font-size: 1.15rem; max-width: 60ch; } }
.iep__status p[data-summary] { font-weight: 500; color: #3c4650; }
:root { --sky-tint: #e0f3fb; }
.iep.is-turned .iep__months li.is-bday::after { content: "Turned 65"; }
.med-path--forms { --photo: url("hero-resources.jpg"); --photo-pos: center 20%; }
.med-path--links { --photo: url("guide-sc-capitol.webp"); --photo-pos: center 70%; }
.med-path--faq { --photo: url("guide-seminar.jpg"); --photo-pos: center 30%; }
.od-sec .downloads { margin-top: clamp(40px, 5vw, 64px); }
.od-sec .downloads > .dl-group:first-child { margin-top: 0; }
.od-sec + .svc-more { padding-top: clamp(24px, 3vw, 40px); }
.od-sec + .svc-more .downloads > .dl-group:first-child { margin-top: 0; }
.od-sec .webinar { margin-top: clamp(24px, 3vw, 36px); }
@media (min-width: 761px) { .od-sec .med-stage__head h2 { white-space: nowrap; } }
.wb-next { margin: 22px 0 6px; }
.wb-next__label { display: block; font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 700; color: #7fd0f2; }
.wb-next__label strong { display: block; margin-top: 6px; font-size: .98rem; letter-spacing: 0; text-transform: none; font-weight: 600; color: #fff; }
.wb-next__clock { display: flex; gap: 10px; margin-top: 12px; }
.wb-next__clock span { display: grid; justify-items: center; min-width: 64px; padding: 10px 8px 8px; border-radius: 12px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18); backdrop-filter: blur(4px); }
.wb-next__clock b { font-size: 1.55rem; font-weight: 700; line-height: 1; color: #fff; font-variant-numeric: tabular-nums; }
.wb-next__clock i { margin-top: 6px; font-style: normal; font-size: .62rem; letter-spacing: .16em; text-transform: uppercase; color: rgba(255,255,255,.72); }
.wb-next + .webinar__btn { margin-top: 18px; }
@media (max-width: 420px) { .wb-next__clock { gap: 8px; } .wb-next__clock span { min-width: 0; flex: 1; } .wb-next__clock b { font-size: 1.3rem; } }

/* Webinar card: quieter flag texture */
.webinar__copy::before { opacity: .22; }

/* Top announcement bar: next Medicare 101 webinar countdown */
.wb-bar { background: #32b0e6; color: #06243f; font-size: .86rem; line-height: 1.35; }
.wb-bar[hidden] { display: none; }
.wb-bar__inner { display: flex; align-items: center; justify-content: center; gap: 8px 18px; min-height: 42px; padding-top: 7px; padding-bottom: 7px; position: relative; padding-right: 44px; }
.wb-bar__text strong { font-weight: 700; }
.wb-bar__text b { font-weight: 700; font-variant-numeric: tabular-nums; white-space: nowrap; }
.wb-bar__sep { opacity: .55; margin: 0 4px; }
.wb-bar__link { color: #06243f; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; white-space: nowrap; }
.wb-bar__link:hover { color: #fff; }
.wb-bar__close { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); width: 30px; height: 30px; border: 0; border-radius: 50%; background: transparent; color: #06243f; font-size: 1.3rem; line-height: 1; cursor: pointer; }
.wb-bar__close:hover { background: rgba(6,36,63,.12); }
@media (max-width: 640px) {
  .wb-bar { font-size: .8rem; }
  .wb-bar__inner { flex-wrap: wrap; justify-content: flex-start; padding-right: 48px; }
  .wb-bar__long { display: none; }
}

/* Webinar bar: coral orange so it stands out */
.wb-bar { background: #ff6b35; color: #fff; }
.wb-bar__sep { opacity: .7; }
.wb-bar__link { background: #fff; color: #a8320a; text-decoration: none; padding: 5px 14px; border-radius: 999px; font-size: .8rem; transition: background .2s, color .2s; }
.wb-bar__link:hover { background: #0b2347; color: #fff; }
.wb-bar__close { color: #fff; }
.wb-bar__close:hover { background: rgba(255,255,255,.18); }

/* Webinar bar: gold */
.wb-bar { background: #ffc629; color: #1b1400; }
.wb-bar__sep { opacity: .55; }
.wb-bar__link { background: #0b2347; color: #fff; }
.wb-bar__link:hover { background: #1672f0; color: #fff; }
.wb-bar__close { color: #1b1400; }
.wb-bar__close:hover { background: rgba(27,20,0,.12); }

/* Webinar bar button: white on gold */
.wb-bar__link { background: #fff; color: #0b2347; box-shadow: 0 2px 6px -2px rgba(27,20,0,.35); }
.wb-bar__link:hover { background: #0b2347; color: #fff; }

/* Webinar bar button: bright blue on gold */
.wb-bar__link { background: #0a6cff; color: #fff; box-shadow: 0 2px 6px -2px rgba(10,60,140,.45); }
.wb-bar__link:hover { background: #0b2347; color: #fff; }

/* Webinar bar: option D, bright blue with gold button */
.wb-bar { background: #0a6cff; color: #fff; }
.wb-bar__sep { opacity: .7; }
.wb-bar__text b { color: #ffd84d; }
.wb-bar__link { background: #ffc629; color: #1b1400; box-shadow: 0 2px 6px -2px rgba(0,20,60,.45); }
.wb-bar__link:hover { background: #fff; color: #0b2347; }
.wb-bar__close { color: #fff; }
.wb-bar__close:hover { background: rgba(255,255,255,.18); }

/* Webinar bar button: white on bright blue */
.wb-bar__link { background: #fff; color: #0a6cff; }
.wb-bar__link:hover { background: #ffc629; color: #1b1400; }

/* Hero fills the screen below the menu AND the webinar bar (--wb-h is set by webinar.js, 0 when the bar is closed) */
.hero, .hero--page { min-height: calc(100vh - 77px - var(--wb-h, 0px)); min-height: calc(100svh - 77px - var(--wb-h, 0px)); }

/* Webinar "What you'll learn" list (no buttons, numbered icons) */
.dl--learn { grid-template-columns: 52px 1fr; }
.dl--learn .dl__icon { font-size: .8rem; letter-spacing: .08em; }
.dl--learn .dl__text span { max-width: 72ch; }
.od-sec .wb-learn .dl-group__title { margin: 0; }
@media (max-width: 640px) { .dl--learn { grid-template-columns: 44px 1fr; } }

/* Webinar "What you'll learn": FAQ-style accordion under the title bar */
.wb-learn .qa { margin-top: 20px; }

/* Webinar curriculum: topic list + detail panel (option D) */
.curric { margin-top: clamp(48px, 6vw, 80px); }
.curric__head { margin-bottom: 24px; }
.curric__kicker { display: block; font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; font-weight: 600; color: #0062af; margin-bottom: 8px; }
.curric__title { margin: 0; font-size: clamp(1.5rem, 2.6vw, 2rem); font-weight: 600; color: #00395e; }
.curric__title em { font-weight: 300; }
.curric__body { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); gap: 20px; align-items: stretch; }
.curric__tabs { display: grid; gap: 8px; align-content: start; }
.curric__tab { display: flex; align-items: center; gap: 16px; width: 100%; text-align: left; padding: 16px 20px; border: 1px solid #dbe8f3; border-radius: 16px; background: linear-gradient(180deg, #fff 0%, #f7fbfe 100%); font: inherit; font-weight: 600; font-size: .98rem; color: #00395e; cursor: pointer; transition: border-color .2s, box-shadow .2s, background .2s, color .2s; }
.curric__tab:hover { border-color: #b9d9ef; box-shadow: 0 12px 24px -18px rgba(0,57,94,.4); }
.curric__tab:focus-visible { outline: 3px solid rgba(50,176,230,.45); outline-offset: 2px; }
.curric__num { flex: none; width: 36px; height: 36px; display: grid; place-items: center; border-radius: 10px; background: #eaf4fb; color: #0062af; font-size: .78rem; font-weight: 700; letter-spacing: .04em; transition: background .2s, color .2s; }
.curric__tab[aria-selected="true"] { border-color: transparent; background: linear-gradient(90deg, #0062af 0%, #00467a 60%, #002640 100%); color: #fff; box-shadow: 0 16px 30px -18px rgba(0,57,94,.75); }
.curric__tab[aria-selected="true"] .curric__num { background: rgba(255,255,255,.16); color: #fff; }
.curric__panels { position: relative; }
.curric__panel { position: relative; isolation: isolate; overflow: hidden; height: 100%; min-height: 320px; display: flex; flex-direction: column; justify-content: center; align-items: flex-start; padding: clamp(32px, 4vw, 52px); border-radius: 20px; background: linear-gradient(150deg, #0062af 0%, #00395e 60%, #002640 100%); color: #fff; box-shadow: 0 22px 40px -18px rgba(0,57,94,.6); }
.curric__panel[hidden] { display: none; }
.curric__panel::before { content: ""; position: absolute; inset: 0; z-index: -1; background: url("flag-bg.jpg") 0 0 / cover no-repeat; filter: invert(1) brightness(3.2); mix-blend-mode: screen; opacity: .18; pointer-events: none; }
.curric__big { position: absolute; right: clamp(20px, 3vw, 36px); bottom: -.18em; z-index: -1; font-size: clamp(7rem, 13vw, 11rem); font-weight: 700; line-height: 1; color: rgba(255,255,255,.08); letter-spacing: -.04em; }
.curric__panel h4 { margin: 0 0 14px; font-size: clamp(1.35rem, 2.2vw, 1.75rem); font-weight: 600; line-height: 1.25; max-width: 22ch; color: #fff; }
.curric__panel p { margin: 0; color: rgba(255,255,255,.9); font-weight: 400; line-height: 1.7; max-width: 52ch; }
.curric__cta { margin-top: 26px; display: inline-flex; align-items: center; gap: 8px; padding: 12px 22px; border-radius: 999px; background: #fff; color: #00395e; text-decoration: none; font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 700; transition: background .2s, color .2s; }
.curric__cta:hover { background: #32b0e6; color: #fff; }
.curric__panel.is-in { animation: curricIn .35s ease; }
@keyframes curricIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .curric__panel.is-in { animation: none; } }
@media (max-width: 860px) {
  .curric__body { grid-template-columns: 1fr; }
  .curric__panel { min-height: 0; }
}
@media (max-width: 640px) {
  .curric__tab { padding: 12px 14px; gap: 12px; font-size: .92rem; border-radius: 14px; }
  .curric__num { width: 32px; height: 32px; }
  .curric__panel { padding: 28px 22px; border-radius: 16px; }
}

/* Learn on your schedule: half the usual top padding */
.sec.od-sec { padding-top: clamp(36px, 5.2vw, 70px); }

/* How we help / Helpful resources: sky tint to separate it from the webinar section */
.od-sec + .svc-more { background: var(--sky-tint); padding-top: clamp(56px, 7vw, 96px); }

/* How we help section: lighter sky tint */
.od-sec + .svc-more { background: #edf8fd; }

/* Expand your knowledge section: white */
.med-learn-sec { background: #fff; }

/* Webinar section ("Learn on your schedule"): same light sky tint as Expand your knowledge */
.sec.od-sec { background: #edf8fd; }

/* How we help (after Expand your knowledge): light sky tint */
.med-learn-sec + .svc-more { background: #edf8fd; }

/* Webinar CTA buttons (Register, Save your seat): sky blue at rest, white with navy text on hover */
.webinar__btn, .curric__cta { background: #32b0e6; color: #fff; }
.webinar__btn:hover, .curric__cta:hover { background: #fff; color: #00395e; box-shadow: none; }

/* Webinar CTA buttons (Register, Save your seat): same look and hover as the Free Resources hub buttons */
.webinar__btn, .curric__cta {
  border-radius: 4px; color: #fff;
  background: linear-gradient(180deg, #32b0e6 0%, #0062af 33%);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.25), 0 0 0 4px rgba(50,176,230,.18);
  transition: background .25s, box-shadow .25s, color .25s;
}
.webinar__btn:hover, .curric__cta:hover {
  background: #32b0e6; color: #fff; transform: none;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 6px rgba(50,176,230,.3);
}
.webinar__btn span, .curric__cta span { display: inline-block; transition: transform .2s; }
.webinar__btn:hover span, .curric__cta:hover span { transform: translate(2px, -2px); }

/* Webinar CTA buttons: sky blue at rest (the old hover), white with navy text on hover */
.webinar__btn, .curric__cta {
  background: #32b0e6; color: #fff;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 6px rgba(50,176,230,.3);
}
.webinar__btn:hover, .curric__cta:hover {
  background: #fff; color: #00395e;
  box-shadow: inset 0 0 0 1px #fff, 0 0 0 6px rgba(255,255,255,.25);
}

/* Webinar CTA buttons: same 20px corners as the webinar card and topic panel they sit in */
.webinar__btn, .curric__cta { border-radius: 20px; }

/* Show my window button: same 24px corners as the calculator card it sits in */
.iep__btn { border-radius: 24px; }

/* Show my window button: same premium ring and white hover as the webinar buttons, 24px corners like its card */
.iep__btn {
  border-radius: 24px; background: #32b0e6; color: #fff;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 6px rgba(50,176,230,.3);
  transition: background .25s, color .25s, box-shadow .25s;
}
.iep__btn:hover {
  background: #fff; color: #00395e; transform: none;
  box-shadow: inset 0 0 0 1px #fff, 0 0 0 6px rgba(255,255,255,.25);
}

/* Webinar and calculator buttons: rectangular with softly rounded corners (matches the 12px form fields) */
.webinar__btn, .curric__cta, .iep__btn { border-radius: 12px; }

/* Free Resources hub buttons: same 12px rounded-rectangle shape as the webinar and calculator buttons */
.hub__btn, .hub__card:hover .hub__btn { border-radius: 12px; }

/* Standalone enrollment window calculator page (enrollment-window-calculator.html): logo-only header, calculator fills the screen */
.calc-sec { background: #edf8fd; min-height: calc(100svh - 77px); padding: clamp(48px, 6vw, 88px) 0; }
.calc-sec__head { max-width: 760px; margin-bottom: clamp(24px, 3vw, 36px); }
.calc-sec__head h1 { font-size: clamp(2rem, 4.2vw, 3.2rem); letter-spacing: -.018em; margin: 0 0 12px; }
.calc-sec__head p { margin: 0; max-width: 60ch; }

/* Blank calculator template (enrollment-window-calculator.html): just the calculator card, centered, phone-first */
body.calc-blank { margin: 0; min-height: 100svh; background: #edf8fd; }
.calc-blank__main { box-sizing: border-box; min-height: 100svh; display: flex; align-items: center; justify-content: center; padding: clamp(12px, 4vw, 48px); }
.calc-blank .iep { margin: 0; width: 100%; max-width: 1080px; }
@media (max-width: 640px) {
  .calc-blank__main { align-items: flex-start; padding: 12px; }
  .calc-blank .iep { border-radius: 20px; }
}

/* Blank calculator template: plain footer, page stacks card then footer */
body.calc-blank { display: flex; flex-direction: column; }
.calc-blank__main { flex: 1; min-height: 0; }
.calc-blank__foot { text-align: center; padding: 18px 16px 24px; font-size: .8rem; color: #5b6b7d; }

/* Blank calculator template: footer matches the site footer's bottom bar (dark night background, divider line, copyright) */
.footer.calc-blank__foot { text-align: left; padding: 24px 0 32px; font-size: .9rem; color: rgba(242,245,251,.72); }
.calc-blank__foot .footer__base { margin-top: 0; }

/* Blank calculator template: slimmer footer bar, no divider line, plain dark background */
.footer.calc-blank__foot { padding: 14px 0; background: var(--night); font-size: .8rem; }
.calc-blank__foot .footer__base { border-top: 0; padding-top: 0; letter-spacing: .04em; }
.calc-blank__foot .footer__base { text-align: center; }

/* Blank calculator template: footer uses brand navy */
.footer.calc-blank__foot { background: #00395e; color: rgba(255,255,255,.85); }

/* Blank calculator template: intro is the page header, calculator card (fields only) underneath */
.calc-blank__inner { width: 100%; max-width: 760px; }
.calc-blank__head { text-align: center; margin-bottom: clamp(22px, 3vw, 32px); }
.calc-blank__tag { display: block; font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; font-weight: 600; color: #0062af; }
.calc-blank__head h1 { margin: 10px 0 12px; font-size: clamp(2.1rem, 5vw, 3.2rem); line-height: 1.08; letter-spacing: -.018em; color: #00395e; max-width: none; }
.calc-blank__head h1 em { color: #32b0e6; }
.calc-blank__head p { margin: 0 auto; max-width: 52ch; color: #4a5b6c; line-height: 1.6; }
.calc-blank .iep__form { grid-template-columns: 1fr; }
@media (max-width: 640px) {
  .calc-blank__inner { padding-top: 16px; }
  .calc-blank__head { padding: 0 6px; }
}
.calc-blank__tag { font-size: clamp(.85rem, 1.6vw, 1rem); letter-spacing: .18em; }
.calc-blank__head p { font-size: clamp(1.05rem, 1.8vw, 1.2rem); max-width: 56ch; }

/* Blank calculator template: footer has no background, just gray text on the page tint */
.footer.calc-blank__foot { background: none; color: #5b6b7d; }


/* Blank calculator template: headline breaks before "sign up?" on phones only */
.calc-blank__br { display: none; }
.calc-blank__head h1 em { white-space: nowrap; }
@media (max-width: 640px) { .calc-blank__br { display: inline; } }
@media (max-width: 640px) { .calc-blank__head p { font-size: .95rem; } }

/* Blank calculator template: "Enrollment window calculator" label sits at the top of the card */
.calc-blank .iep__form { gap: 14px; }
.calc-blank__cardtag { margin-bottom: 14px; }

/* Blank calculator template: larger, more visible calculator name with a calendar icon and divider */
.calc-blank__cardtag { display: flex; align-items: center; gap: 10px; font-size: clamp(.82rem, 1.4vw, .98rem); letter-spacing: .14em; font-weight: 700; color: #7fd0f2; line-height: 1.35; padding-bottom: 16px; margin-bottom: 14px; border-bottom: 1px solid rgba(127,208,242,.25); }
.calc-blank__cardtag { justify-content: center; text-align: center; }

/* Blank calculator template: even space above and below the card title */
.calc-blank .iep__form { padding-top: clamp(20px, 2.4vw, 28px); }
.calc-blank__cardtag { padding-bottom: clamp(20px, 2.4vw, 28px); }

/* Services opens its dropdown on click (no navigation) */
.has-sub.is-open .sub { opacity: 1; visibility: visible; transform: none; }
.has-sub.is-open .caret { transform: translateY(1px) rotate(225deg); }
.has-sub > a { cursor: pointer; }

/* Medicare landing: content sits higher on the page */
.med-landing { align-items: flex-start; padding-top: clamp(40px, 5vw, 72px); }
.med-landing h1 { margin-top: 0; }

/* Medicare landing path cards: Free Resources hub card style, same size */
.med-landing .med-path { position: relative; isolation: isolate; grid-template-rows: auto auto; border-radius: 16px; box-shadow: 0 24px 60px rgba(0,57,94,.28); transition: transform .25s, box-shadow .25s; }
.med-landing .med-path::before { grid-column: 1 / -1; grid-row: 1 / 3; align-self: stretch; aspect-ratio: auto; border-bottom: 0; z-index: 0;
  background: linear-gradient(to bottom, rgba(0,57,94,.15) 0%, rgba(0,57,94,.55) 40%, rgba(0,40,70,.94) 100%), var(--photo) var(--photo-pos, center) / cover no-repeat; }
.med-landing .med-path::after { content: ""; grid-column: 1 / -1; grid-row: 1; aspect-ratio: 16 / 8.5; position: relative; z-index: 1; background: linear-gradient(90deg, #32b0e6 0%, #0062af 100%) top / 100% 5px no-repeat; }
.med-landing .med-path__text { grid-row: 2; grid-column: 1; }
.med-landing .med-path__arrow { grid-row: 2; grid-column: 2; }
.med-landing .med-path:hover, .med-landing .med-path:focus-visible { transform: translateY(-6px); box-shadow: 0 32px 70px rgba(0,57,94,.36); outline-color: transparent; }
.med-landing .med-path:hover::before { transform: scale(1.05); }
.med-landing .med-path:focus-visible { outline: 3px solid #32b0e6; outline-offset: 4px; }

/* Medicare landing path cards: Free Resources title, text and button */
.med-landing .med-path .hub__body { grid-row: 2; grid-column: 1 / -1; position: relative; z-index: 1; }
.med-landing .med-path .hub__title { text-shadow: none; }
.med-landing .med-path:hover .hub__btn { background: #32b0e6; box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 6px rgba(50,176,230,.3); }
.med-landing .med-path:hover .hub__btn span { transform: translateX(4px); }
.med-landing .med-path { aspect-ratio: 536 / 413; grid-template-rows: 1fr auto; }
.med-landing .med-path::after { aspect-ratio: auto; align-self: stretch; }
@media (max-width: 760px) { .med-landing .med-path { aspect-ratio: 343 / 340; } }

/* Enrollment calculator: close-results tab at the bottom of the results (desktop) */
.iep__close { display: flex; align-items: center; gap: 8px; margin: 18px auto 0; padding: 9px 18px; border: 1px solid #cfe0ee; border-radius: 12px; background: #fff; color: #00395e; font: inherit; font-size: .78rem; font-weight: 600; letter-spacing: .06em; cursor: pointer; box-shadow: 0 6px 16px -10px rgba(0,57,94,.35); transition: background .2s, color .2s, border-color .2s; }
.iep__close span { transition: transform .2s; }
.iep__close:hover { background: #00395e; border-color: #00395e; color: #fff; }
.iep__close:hover span { transform: translateY(-2px); }
.iep__close:focus-visible { outline: 3px solid #32b0e6; outline-offset: 3px; }
@media (max-width: 640px) { .iep__close { display: none; } }


/* Enrollment calculator: Save as PDF + Close results row */
.iep__actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.iep__actions .iep__close { margin: 0; }
.iep__save { display: flex; align-items: center; gap: 8px; padding: 9px 18px; border: 1px solid #00395e; border-radius: 12px; background: #00395e; color: #fff; font: inherit; font-size: .78rem; font-weight: 600; letter-spacing: .06em; cursor: pointer; box-shadow: 0 6px 16px -10px rgba(0,57,94,.45); transition: background .2s, border-color .2s; }
.iep__save span { transition: transform .2s; }
.iep__save:hover { background: #0062af; border-color: #0062af; }
.iep__save:hover span { transform: translateY(2px); }
.iep__save:focus-visible { outline: 3px solid #32b0e6; outline-offset: 3px; }
@media (min-width: 641px) {
  .iep .iep__result { padding-bottom: 14px; }
  .iep .iep__actions { margin-top: calc(18px + clamp(28px, 4.5vw, 56px) - 14px); }
}
.iep-print { display: none; }
@media print {
  @page { margin: 12mm; }
  body.iep-printing { background: #fff !important; min-height: 0; display: block; }
  body.iep-printing > *:not(.iep-print) { display: none !important; }
  body.iep-printing .iep-print { display: block; margin: 0; border: 0; border-radius: 0; box-shadow: none; overflow: visible; }
  .iep-print, .iep-print * { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .iep-print .iep__actions, .iep-print .iep__next, .iep-print .iep__chip { display: none !important; }
  .iep-print .iep__result { padding: 8px 0 0; background: #fff; break-inside: avoid; }
  .iep-print__head { display: flex; justify-content: space-between; align-items: flex-end; gap: 16px; padding-bottom: 12px; margin-bottom: 8px; border-bottom: 2px solid #00395e; color: #00395e; }
  .iep-print__head strong { display: block; font-size: 1.15rem; letter-spacing: .02em; }
  .iep-print__head span { font-size: .8rem; color: #5b6b7d; text-align: right; line-height: 1.5; }
}

/* Results CTA: same colors, ring and hover as the Show my window button */
.iep__cta {
  border-radius: 12px; background: #32b0e6; color: #fff;
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 6px rgba(50,176,230,.3);
  transition: background .25s, color .25s, box-shadow .25s;
}
.iep__cta span { transition: transform .2s; }
.iep__cta:hover {
  background: #fff; color: #00395e; transform: none;
  box-shadow: inset 0 0 0 1px #fff, 0 0 0 6px rgba(255,255,255,.25);
}
.iep__cta:hover span { transform: translate(2px, -2px); }

/* Results fill the screen below the header on desktop (sized by iep.js) */
@media (min-width: 641px) {
  .iep__result.is-fit { display: flex; flex-direction: column; box-sizing: border-box; }
  .iep__result.is-fit[hidden] { display: none; }
  .iep__result.is-fit > :first-child { margin-top: auto; }
  .iep .iep__result.is-fit .iep__actions { margin-top: auto; padding-top: calc(18px + clamp(28px, 4.5vw, 56px) - 14px); }
}
.iep-print .iep__result { zoom: 1 !important; min-height: 0 !important; }

/* Save as PDF: sky blue like Show my window */
.iep__save { background: #32b0e6; border-color: #32b0e6; color: #fff; box-shadow: inset 0 0 0 1px rgba(255,255,255,.4), 0 0 0 4px rgba(50,176,230,.25); transition: background .25s, color .25s, border-color .25s, box-shadow .25s; }
.iep__save:hover { background: #fff; border-color: #32b0e6; color: #00395e; box-shadow: 0 0 0 4px rgba(50,176,230,.25); }

/* Webinar section: one Save your seat button under the curriculum */
.curric__foot { display: flex; justify-content: center; margin-top: clamp(32px, 4vw, 52px); }
/* Left-aligned and as wide as the topic list above it */
.curric__foot { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); gap: 20px; justify-content: stretch; }
.curric__foot .webinar__btn { margin-top: 0; justify-content: center; padding-top: 18px; padding-bottom: 18px; }
@media (max-width: 860px) { .curric__foot { grid-template-columns: 1fr; } }
.curric__foot .webinar__btn:hover { background: #00395e; color: #fff; box-shadow: inset 0 0 0 1px rgba(255,255,255,.25), 0 0 0 6px rgba(0,57,94,.18); }
.curric__foot .webinar__btn { transition: background .25s, color .25s, box-shadow .25s, transform .25s; }
.curric__foot .webinar__btn:hover { transform: scale(1.04); }
.iep__save:hover { background: #00395e; border-color: #00395e; color: #fff; box-shadow: inset 0 0 0 1px rgba(255,255,255,.25), 0 0 0 4px rgba(0,57,94,.18); }

/* Calculator: underline the dates in the result sentence */
.iep__date { text-decoration: underline; text-decoration-thickness: 2px; text-underline-offset: 4px; text-decoration-color: #32b0e6; white-space: nowrap; }

/* Header logo: crop off the underline and "Benefits Group" line (header only) */
.nav .brand__logo { height: auto; width: 116px; aspect-ratio: 1280 / 286; object-fit: cover; object-position: top; }
@media (max-width: 640px) { .nav .brand__logo { width: 99px; } }

/* Calculator page headline: heavier "Enroll?" and one line on phones */
.calc-blank__head h1 em { font-weight: 600; }
@media (max-width: 640px) {
  .calc-blank__br { display: none; }
  .calc-blank__head h1 { white-space: nowrap; font-size: clamp(1.45rem, 7.4vw, 2.1rem); }
}

/* New to Medicare calculator heading: match /calc (heavier "Enroll?", one line on phones) */
.iep__intro h3 em { font-weight: 600; }
@media (max-width: 640px) {
  .iep__intro h3 { white-space: nowrap; font-size: min(1.7rem, calc((100vw - 92px) / 10.9)); }
}

/* Phones: plain dates in the result sentence (no underline) */
@media (max-width: 640px) { .iep__date { text-decoration: none; } }

/* Calculator card label: one line on phones */
@media (max-width: 640px) {
  .calc-blank__cardtag { white-space: nowrap; letter-spacing: .03em; font-size: min(.82rem, calc((100vw - 92px) / 27.6)); }
}

/* Phones: bold "Enroll?" in the calculator headlines */
@media (max-width: 640px) { .calc-blank__head h1 em, .iep__intro h3 em { font-weight: 700; } }

/* Line break shown only on phones (result sentence) */
.iep__mbr { display: none; }
@media (max-width: 640px) { .iep__mbr { display: inline; } }

/* SSA office locator: sky-to-royal background (option 16) with white pin and button */
.locator { background: linear-gradient(180deg, #32b0e6 0%, #0062af 100%); }
.locator::before { opacity: .28; }
.locator__pin { background: #fff; color: #0062af; box-shadow: 0 8px 18px -8px rgba(0,38,64,.5); }
.locator__text strong { color: #fff; text-shadow: 0 1px 2px rgba(0,38,64,.35); }
.locator__text span { color: #fff; text-shadow: 0 1px 2px rgba(0,38,64,.3); }
.locator__btn { background: #fff; color: #00395e; }
.locator .locator__btn:hover { background: #00395e; color: #fff; }