:root {
  --blue: #046bd2;
  --blue-dark: #045cb4;
  --navy: #1e293b;
  --slate: #334155;
  --white: #ffffff;
  --bg: #f0f5fa;
  --border: #d1d5db;
  --muted: #64748b;
  --success: #059669;
  --danger: #dc2626;
  --shadow: 0 10px 40px rgba(15, 23, 42, 0.08);
  --radius: 10px;
  --font: "Open Sans", system-ui, sans-serif;
  --display: "Poppins", "Open Sans", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--slate);
  background: var(--white);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-dark); }
h1, h2, h3, h4 { font-family: var(--display); color: var(--navy); line-height: 1.25; margin: 0 0 0.6em; }
p { margin: 0 0 1em; }
ul { margin: 0; padding: 0; list-style: none; }
.container { width: min(1200px, calc(100% - 40px)); margin: 0 auto; }
.skip-link {
  position: absolute; left: -9999px; top: 0; background: var(--blue); color: #fff; padding: 8px 16px; z-index: 9999;
}
.skip-link:focus { left: 10px; top: 10px; }

/* Top bar */
.top-bar {
  background: var(--navy);
  color: #fff;
  font-size: 14px;
}
.top-bar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 10px 0;
  flex-wrap: wrap;
}
.top-bar-text { margin: 0; opacity: 0.95; }
.top-bar-phone {
  color: #fff;
  font-weight: 700;
  font-family: var(--display);
  white-space: nowrap;
}
.top-bar-phone:hover { color: #93c5fd; }

/* Header */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  gap: 20px;
}
.site-logo img { width: 200px; height: auto; }
.primary-nav ul {
  display: flex;
  align-items: center;
  gap: 8px;
}
.primary-nav a {
  display: inline-flex;
  align-items: center;
  padding: 10px 14px;
  color: var(--slate);
  font-weight: 600;
  border-radius: 6px;
}
.primary-nav a:hover,
.primary-nav a.active { color: var(--blue); }
.primary-nav .nav-cta {
  background: var(--blue);
  color: #fff !important;
  margin-left: 8px;
}
.primary-nav .nav-cta:hover { background: var(--blue-dark); }
.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 0;
  border-radius: 6px;
  background: var(--blue);
  cursor: pointer;
  padding: 10px;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: #fff;
  margin: 6px 0;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 30px;
  border: 0;
  border-radius: 4px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: 0.2s ease;
  text-align: center;
}
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: var(--blue-dark); color: #fff; }
.btn-outline {
  background: transparent;
  color: var(--blue);
  border: 2px solid var(--blue);
}
.btn-outline:hover { background: var(--blue); color: #fff; }
.btn-block { width: 100%; }
.btn:disabled { opacity: 0.7; cursor: wait; }

/* Hero home */
.hero {
  position: relative;
  min-height: 72vh;
  display: flex;
  align-items: center;
  color: #fff;
  background:
    linear-gradient(105deg, rgba(4, 47, 94, 0.82) 0%, rgba(4, 107, 210, 0.55) 55%, rgba(4, 107, 210, 0.25) 100%),
    url("../images/hero.jpg") center/cover no-repeat;
}
.hero-content { max-width: 640px; padding: 80px 0; }
.hero h1 {
  color: #fff;
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 700;
  margin-bottom: 24px;
}
.hero .btn { box-shadow: 0 8px 24px rgba(0,0,0,0.2); }

/* Sections */
.section { padding: 72px 0; }
.section-alt { background: var(--bg); }
.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  text-align: center;
  margin-bottom: 16px;
}
.section-lead {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 40px;
  color: var(--muted);
  font-size: 1.05rem;
}
.about-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
  align-items: center;
}
.about-text p { font-size: 1.05rem; }
.about-visual {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.about-visual img { width: 100%; height: 100%; object-fit: cover; min-height: 320px; }

/* Plan cards */
.plans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.plan-card {
  background: #fff;
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--blue);
  display: flex;
  flex-direction: column;
  min-height: 100%;
}
.plan-card h3 { font-size: 1.4rem; margin-bottom: 12px; }
.plan-card p { flex: 1; color: var(--muted); }
.plan-card .btn { margin-top: 20px; align-self: flex-start; }

/* Product page layout */
.product-hero {
  background: linear-gradient(135deg, #0b3d75 0%, var(--blue) 100%);
  color: #fff;
  padding: 48px 0 40px;
}
.product-hero h1 { color: #fff; font-size: clamp(1.8rem, 3vw, 2.6rem); margin-bottom: 8px; }
.product-hero .eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.85rem;
  font-weight: 700;
  opacity: 0.9;
  margin-bottom: 10px;
}
.product-hero p { color: rgba(255,255,255,0.92); max-width: 720px; margin: 0; font-size: 1.1rem; }

.product-layout {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: start;
  padding: 56px 0;
}
.product-copy h2 { font-size: 1.5rem; }
.product-copy p { font-size: 1.02rem; }
.form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 28px;
  box-shadow: var(--shadow);
  position: sticky;
  top: 100px;
}
.form-card h3 {
  text-align: center;
  margin-bottom: 8px;
}
.form-card .form-sub {
  text-align: center;
  color: var(--muted);
  font-size: 0.92rem;
  margin-bottom: 22px;
}

/* Form */
.lead-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
}
.form-group label span { color: var(--danger); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  height: 44px;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font: inherit;
  color: var(--slate);
  background: #fff;
}
.form-group textarea { height: auto; min-height: 110px; resize: vertical; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(4, 107, 210, 0.15);
}
.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; width: 0; }
.form-consent {
  margin: 16px 0 18px;
  font-size: 12px;
  line-height: 1.5;
  color: var(--muted);
  max-height: 140px;
  overflow: auto;
  padding-right: 6px;
}
.checkbox-label {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  cursor: pointer;
}
.checkbox-label input { margin-top: 3px; flex-shrink: 0; width: 16px; height: 16px; }
.form-message {
  padding: 12px 14px;
  border-radius: 6px;
  margin-bottom: 14px;
  font-size: 14px;
  font-weight: 600;
}
.form-message.success { background: #ecfdf5; color: var(--success); }
.form-message.error { background: #fef2f2; color: var(--danger); }

/* Legal / content pages */
.page-hero {
  background: var(--bg);
  padding: 40px 0;
  border-bottom: 1px solid var(--border);
}
.page-hero h1 { margin: 0; font-size: clamp(1.8rem, 3vw, 2.4rem); }
.legal-content {
  padding: 48px 0 64px;
  max-width: 860px;
}
.legal-content h2 { font-size: 1.35rem; margin-top: 1.8em; }
.legal-content h3 { font-size: 1.15rem; margin-top: 1.4em; }
.legal-content ul { list-style: disc; padding-left: 1.3em; margin: 0 0 1em; }
.legal-content li { margin-bottom: 0.4em; }
.meta-line { color: var(--muted); font-size: 0.95rem; margin-bottom: 1.5em; }

/* Partners */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 14px;
  padding: 40px 0 64px;
}
.partner-item {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px 18px;
  font-weight: 600;
  color: var(--navy);
}

/* Disclaimer + footer */
.medicare-disclaimer {
  background: #fff8e6;
  border-top: 1px solid #f5e6b8;
  border-bottom: 1px solid #f5e6b8;
  padding: 18px 0;
  font-size: 13px;
  color: #6b5a2a;
}
.medicare-disclaimer p { margin: 0; }
.site-footer {
  background: var(--navy);
  color: #cbd5e1;
  padding-top: 48px;
}
.footer-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 36px;
}
.footer-brand img { margin-bottom: 14px; filter: brightness(1.05); }
.footer-brand p { margin: 0 0 8px; }
.footer-brand a { color: #93c5fd; }
.footer-links h4 { color: #fff; margin-bottom: 14px; font-size: 1rem; }
.footer-links a { color: #cbd5e1; display: inline-block; padding: 4px 0; }
.footer-links a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 16px 0;
  font-size: 13px;
}
.footer-bottom p { margin: 0; }

.scroll-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 42px;
  height: 42px;
  border: 0;
  border-radius: 4px;
  background: var(--blue);
  color: #fff;
  font-size: 18px;
  cursor: pointer;
  display: none;
  z-index: 99;
}
.scroll-top.visible { display: block; }

.thank-you-box {
  max-width: 640px;
  margin: 80px auto;
  text-align: center;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 48px 32px;
  box-shadow: var(--shadow);
}
.thank-you-box h1 { color: var(--success); }

@media (max-width: 921px) {
  .nav-toggle { display: block; }
  .primary-nav {
    display: none;
    position: absolute;
    left: 0; right: 0; top: 100%;
    background: #fff;
    border-bottom: 1px solid var(--border);
    padding: 12px 20px 20px;
  }
  .primary-nav.open { display: block; }
  .primary-nav ul { flex-direction: column; align-items: stretch; }
  .primary-nav .nav-cta { margin-left: 0; justify-content: center; }
  .about-grid,
  .plans-grid,
  .product-layout,
  .footer-inner { grid-template-columns: 1fr; }
  .form-card { position: static; }
  .lead-form .form-row { grid-template-columns: 1fr; }
  .hero { min-height: 56vh; }
  .hero-content { padding: 56px 0; }
}

@media (max-width: 544px) {
  .container { width: calc(100% - 28px); }
  .top-bar-inner { justify-content: center; text-align: center; }
  .site-logo img { width: 160px; }
}