:root {
  --ink: #173b3a;
  --ink-deep: #0d2c2b;
  --paper: #f8f5ee;
  --white: #fff;
  --gold: #d6ad62;
  --gold-light: #f1ddb4;
  --sage: #78938d;
  --muted: #61706f;
  --line: rgba(23, 59, 58, .14);
  --shadow: 0 24px 60px rgba(13, 44, 43, .12);
  --radius: 22px;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); line-height: 1.65; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input { font: inherit; }
button { cursor: pointer; }
a:focus-visible, button:focus-visible, summary:focus-visible { outline: 3px solid var(--gold); outline-offset: 4px; }
.skip-link { position: fixed; top: 8px; left: 8px; transform: translateY(-150%); z-index: 1000; padding: 10px 16px; background: var(--white); border-radius: 8px; }
.skip-link:focus { transform: none; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.eyebrow { margin: 0 0 14px; color: var(--gold); font-size: .78rem; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; }
.section { padding: 96px 0; }
.section--tight { padding: 70px 0; }
.section--white { background: var(--white); }
.section--ink { background: var(--ink); color: var(--white); }
.section-title { max-width: 780px; margin: 0 0 22px; font: 500 clamp(2.1rem, 4.6vw, 4rem)/1.04 var(--serif); letter-spacing: -.035em; }
.lede { max-width: 720px; margin: 0; color: var(--muted); font-size: 1.12rem; }
.section--ink .lede { color: rgba(255,255,255,.72); }

.topbar { background: var(--ink-deep); color: rgba(255,255,255,.88); font-size: .82rem; }
.topbar__inner { display: flex; justify-content: space-between; gap: 16px; padding: 8px 0; }
.topbar a { color: var(--gold-light); font-weight: 700; text-decoration: none; }
.header { position: sticky; top: 0; z-index: 100; background: rgba(248,245,238,.94); border-bottom: 1px solid var(--line); backdrop-filter: blur(16px); }
.nav { display: flex; align-items: center; min-height: 84px; gap: 34px; }
.brand { margin-right: auto; }
.brand img { width: 210px; height: auto; }
.nav__links { display: flex; align-items: center; gap: 30px; }
.nav__links a { position: relative; font-size: .92rem; font-weight: 700; text-decoration: none; }
.nav__links a::after { content: ''; position: absolute; left: 0; right: 100%; bottom: -7px; height: 2px; background: var(--gold); transition: right .25s ease; }
.nav__links a:hover::after, .nav__links a[aria-current='page']::after { right: 0; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 50px; padding: 0 22px; border: 0; border-radius: 999px; background: var(--gold); color: var(--ink-deep); font-weight: 800; text-decoration: none; transition: transform .2s, box-shadow .2s, background .2s; }
.button:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(214,173,98,.28); background: #e0bb77; }
.button--light { background: var(--white); }
.button--ghost { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,.35); }
.menu-button { display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 50%; background: transparent; }
.menu-button span, .menu-button::before, .menu-button::after { content: ''; display: block; width: 19px; height: 2px; margin: 4px auto; background: var(--ink); }

.hero { position: relative; isolation: isolate; min-height: 730px; display: grid; align-items: center; overflow: hidden; background: var(--ink); color: var(--white); }
.hero::before { content: ''; position: absolute; inset: 0; z-index: -2; background: linear-gradient(90deg, rgba(8,38,37,.96) 0%, rgba(8,38,37,.76) 48%, rgba(8,38,37,.16) 100%), url('assets/medicare-hero.jpg') center 34%/cover; }
.hero::after { content: ''; position: absolute; z-index: -1; width: 620px; height: 620px; border: 1px solid rgba(214,173,98,.24); border-radius: 50%; right: -160px; top: -160px; box-shadow: 0 0 0 70px rgba(214,173,98,.045), 0 0 0 140px rgba(214,173,98,.025); }
.hero__content { max-width: 760px; padding: 100px 0 120px; }
.hero h1 { margin: 0 0 24px; font: 500 clamp(3.8rem, 8.5vw, 7.3rem)/.9 var(--serif); letter-spacing: -.055em; }
.hero h1 span { display: block; color: var(--gold-light); font-style: italic; font-size: .72em; }
.hero__copy { max-width: 640px; font-size: clamp(1.05rem, 2vw, 1.28rem); color: rgba(255,255,255,.8); }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 24px; margin-top: 44px; color: rgba(255,255,255,.72); font-size: .86rem; font-weight: 700; }
.trust-row span::before { content: '✓'; color: var(--gold); margin-right: 7px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(46px, 8vw, 100px); align-items: center; }
.portrait { position: relative; }
.portrait img { width: 100%; max-height: 680px; object-fit: cover; object-position: center 28%; border-radius: 180px 180px 24px 24px; box-shadow: var(--shadow); }
.portrait__note { position: absolute; right: -26px; bottom: 46px; width: 220px; padding: 24px; border-radius: 16px; background: var(--gold); color: var(--ink-deep); box-shadow: var(--shadow); }
.portrait__note strong { display: block; font: 600 1.55rem/1.1 var(--serif); }
.check-list { list-style: none; padding: 0; margin: 30px 0 0; display: grid; gap: 14px; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li::before { content: '✓'; position: absolute; left: 0; top: 1px; color: var(--gold); font-weight: 900; }

.services { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 42px; }
.service-card { min-height: 250px; padding: 30px; border-radius: var(--radius); background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); transition: transform .25s, background .25s; }
.service-card:hover { transform: translateY(-6px); background: rgba(255,255,255,.1); }
.service-card__icon { display: grid; place-items: center; width: 50px; height: 50px; margin-bottom: 42px; border-radius: 50%; background: var(--gold); color: var(--ink-deep); font: 700 1.35rem var(--serif); }
.service-card h3 { margin: 0 0 8px; font: 600 1.45rem/1.15 var(--serif); }
.service-card p { margin: 0; color: rgba(255,255,255,.65); font-size: .93rem; }

.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 42px; }
.benefit { padding: 34px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.benefit__number { color: var(--gold); font: italic 2.2rem var(--serif); }
.benefit h3 { font: 600 1.4rem/1.2 var(--serif); }
.benefit p { margin-bottom: 0; color: var(--muted); }
.carrier-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 34px; }
.carrier-row span { padding: 12px 18px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); font-size: .85rem; font-weight: 800; color: var(--muted); }

.cta-band { position: relative; overflow: hidden; padding: 70px 0; background: var(--gold); color: var(--ink-deep); }
.cta-band::after { content: 'M'; position: absolute; right: 5%; top: -68px; color: rgba(255,255,255,.22); font: 240px/.8 var(--serif); }
.cta-band__inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-band h2 { max-width: 760px; margin: 0; font: 500 clamp(2rem, 4.2vw, 3.6rem)/1.05 var(--serif); }

.page-hero { padding: 92px 0 78px; background: var(--ink); color: var(--white); }
.page-hero h1 { max-width: 900px; margin: 0 0 22px; font: 500 clamp(3rem, 6vw, 5.5rem)/.98 var(--serif); letter-spacing: -.045em; }
.page-hero p { max-width: 700px; margin: 0; color: rgba(255,255,255,.72); font-size: 1.15rem; }
.breadcrumbs { margin-bottom: 28px; color: var(--gold-light); font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.article-wrap { display: grid; grid-template-columns: minmax(0, 1fr) 310px; gap: 80px; align-items: start; }
.prose h2 { margin: 58px 0 14px; font: 600 clamp(1.8rem, 3vw, 2.7rem)/1.12 var(--serif); letter-spacing: -.02em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 34px 0 8px; font: 600 1.4rem var(--serif); }
.prose p { color: #445756; }
.prose ul { padding-left: 20px; }
.side-card { position: sticky; top: 112px; padding: 30px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.side-card h3 { margin: 0 0 10px; font: 600 1.65rem/1.15 var(--serif); }
.side-card p { color: var(--muted); }
.side-card .button { width: 100%; margin-top: 10px; }
.parts-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin: 34px 0; }
.part-card { padding: 28px; border-radius: 16px; background: var(--white); border: 1px solid var(--line); }
.part-card b { color: var(--gold); font: 600 2rem var(--serif); }
.part-card h3 { margin: 10px 0 6px; }
.part-card p { margin: 0; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq summary { cursor: pointer; font-weight: 800; }
.faq p { margin-bottom: 0; color: var(--muted); }

.contact-layout { display: grid; grid-template-columns: .82fr 1.18fr; gap: 60px; align-items: start; }
.contact-card { padding: 38px; border-radius: var(--radius); background: var(--ink); color: var(--white); }
.contact-card h2 { margin: 0 0 18px; font: 500 2.5rem/1.05 var(--serif); }
.contact-card a { color: var(--gold-light); text-decoration: none; font-weight: 800; }
.contact-card ul { padding: 0; list-style: none; }
.contact-card li { padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.form-shell { min-height: 640px; padding: 18px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.form-shell iframe { width: 100%; min-height: 600px; border: 0; border-radius: 14px; }

.footer { padding: 70px 0 28px; background: var(--ink-deep); color: rgba(255,255,255,.72); }
.footer__grid { display: grid; grid-template-columns: 1.5fr .75fr 1fr; gap: 60px; }
.footer__brand img { width: 220px; filter: brightness(0) invert(1); opacity: .95; }
.footer h3 { color: var(--white); font: 600 1.15rem var(--serif); }
.footer a { color: rgba(255,255,255,.78); text-decoration: none; }
.footer__links { display: grid; gap: 9px; }
.footer__phone { color: var(--gold-light) !important; font: 600 1.55rem var(--serif); }
.legal { margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.12); font-size: .72rem; line-height: 1.55; }
.footer__bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 20px; color: rgba(255,255,255,.48); font-size: .72rem; }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

@media (max-width: 980px) {
  .menu-button { display: block; }
  .nav { min-height: 72px; }
  .brand img { width: 175px; }
  .nav__links { display: none; position: absolute; inset: 72px 0 auto; padding: 24px 20px 30px; background: var(--paper); border-bottom: 1px solid var(--line); flex-direction: column; align-items: flex-start; }
  .nav__links.is-open { display: flex; }
  .nav > .button { display: none; }
  .split, .contact-layout { grid-template-columns: 1fr; }
  .services { grid-template-columns: repeat(2, 1fr); }
  .benefit-grid { grid-template-columns: 1fr; }
  .article-wrap { grid-template-columns: 1fr; gap: 50px; }
  .side-card { position: static; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 640px) {
  .container { width: min(100% - 28px, 1160px); }
  .topbar__inner { justify-content: center; text-align: center; }
  .topbar__inner span:first-child { display: none; }
  .hero { min-height: 670px; }
  .hero::before { background: linear-gradient(rgba(8,38,37,.87), rgba(8,38,37,.94)), url('assets/medicare-hero.jpg') 62% center/cover; }
  .hero__content { padding: 82px 0; }
  .hero h1 { font-size: clamp(3.25rem, 17vw, 5.2rem); }
  .section { padding: 72px 0; }
  .services, .parts-grid { grid-template-columns: 1fr; }
  .portrait__note { right: 10px; bottom: 20px; }
  .cta-band__inner { align-items: flex-start; flex-direction: column; }
  .footer__grid { grid-template-columns: 1fr; gap: 34px; }
  .footer__brand { grid-column: auto; }
  .footer__bottom { flex-direction: column; }
  .page-hero { padding: 68px 0 58px; }
  .contact-card, .benefit { padding: 28px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}