:root{--navy:#082544;--blue:#0d4777;--sky:#eaf5fb;--gold:#d4a62a;--cream:#fffaf0;--ink:#152536;--muted:#5e6b78;--white:#fff;--line:#dce5eb;--shadow:0 18px 50px rgba(8,37,68,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:#fff}a{color:inherit}.wrap{width:min(1140px,calc(100% - 40px));margin:auto}.topbar{background:var(--navy);color:#fff;font-size:.9rem}.topbar .wrap{display:flex;justify-content:space-between;gap:24px;padding:8px 0}.topbar a{text-decoration:none}.site-header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:24px}.brand{text-decoration:none;color:var(--navy);font-weight:800;letter-spacing:-.03em;font-size:1.42rem}.brand span{color:var(--gold)}.navlinks{display:flex;align-items:center;gap:25px}.navlinks a{text-decoration:none;font-weight:650;font-size:.94rem}.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--blue)}.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border-radius:8px;background:var(--gold);color:#17202a;text-decoration:none;font-weight:800;border:2px solid var(--gold);transition:.2s}.button:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(212,166,42,.3)}.button.secondary{background:transparent;color:var(--navy);border-color:var(--navy)}.hero{background:var(--navy);color:#fff;min-height:580px;display:grid;grid-template-columns:1.02fr .98fr}.hero-copy{display:flex;align-items:center;padding:70px max(40px,calc((100vw - 1140px)/2)) 70px max(40px,calc((100vw - 1140px)/2))}.hero-copy>div{max-width:610px}.eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.8rem}.hero h1,.page-hero h1{font-family:Georgia,serif;font-size:clamp(2.7rem,5vw,5rem);line-height:1.03;letter-spacing:-.035em;margin:.2em 0}.hero p{font-size:1.15rem;color:#dbe9f4;max-width:590px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.hero .button.secondary{color:#fff;border-color:#fff}.hero-image{background:url('/assets/medicare-guidance.png') center/cover no-repeat;min-height:430px;position:relative}.hero-image:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,37,68,.25),transparent 38%)}section{padding:82px 0}h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(2rem,3.2vw,3.2rem);line-height:1.12;margin:.1em 0 .45em;letter-spacing:-.025em}h3{color:var(--navy);font-size:1.2rem;margin-top:0}.lede{font-size:1.12rem;color:var(--muted);max-width:720px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:38px}.card{border:1px solid var(--line);border-radius:14px;padding:28px;background:#fff;box-shadow:0 8px 30px rgba(8,37,68,.05)}.card .num{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--sky);color:var(--blue);font-weight:850;margin-bottom:18px}.card p{color:var(--muted)}.soft{background:var(--sky)}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.checklist{list-style:none;padding:0}.checklist li{padding:10px 0 10px 30px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}.quote{background:#fff;border-left:5px solid var(--gold);padding:26px 30px;box-shadow:var(--shadow);font-family:Georgia,serif;font-size:1.3rem;color:var(--navy)}.cta{background:var(--navy);color:#fff;border-radius:20px;padding:50px;display:flex;align-items:center;justify-content:space-between;gap:28px}.cta h2{color:#fff;margin:0;font-size:2.2rem}.cta p{margin:.4em 0 0;color:#cfe0ed}.page-hero{background:linear-gradient(135deg,var(--navy),#0c416b);color:#fff;padding:76px 0}.page-hero h1{font-size:clamp(2.7rem,5vw,4.6rem);max-width:850px}.page-hero p{max-width:740px;color:#dbe9f4;font-size:1.12rem}.option{display:grid;grid-template-columns:220px 1fr;gap:32px;padding:34px 0;border-bottom:1px solid var(--line)}.option h2{font-size:1.65rem}.pill{display:inline-block;background:var(--sky);color:var(--blue);border-radius:99px;padding:5px 11px;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.notice{background:var(--cream);border:1px solid #ecd99f;border-radius:12px;padding:22px}.resource-list{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:35px}.resource{display:block;border:1px solid var(--line);padding:25px;border-radius:12px;text-decoration:none}.resource:hover{border-color:var(--blue);box-shadow:var(--shadow)}.resource strong{display:block;color:var(--navy);font-size:1.1rem}.resource span{color:var(--muted)}.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px}.contact-card{background:var(--navy);color:#fff;padding:36px;border-radius:18px}.contact-card a{color:#fff}.contact-row{padding:18px 0;border-bottom:1px solid rgba(255,255,255,.16)}.contact-row small{display:block;color:#b9cedd;text-transform:uppercase;letter-spacing:.08em}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy);font-size:1.08rem}.faq details p{color:var(--muted)}footer{background:#061b30;color:#c7d6e2;padding:54px 0 24px}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}footer h3{color:#fff}footer a{color:#c7d6e2;text-decoration:none}footer .legal{border-top:1px solid rgba(255,255,255,.13);margin-top:38px;padding-top:22px;font-size:.78rem;line-height:1.55}.menu{display:none;border:0;background:none;font-size:1.6rem;color:var(--navy)}@media(max-width:850px){.topbar .wrap{justify-content:center}.topbar span{display:none}.menu{display:block}.navlinks{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:24px 20px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.hero{grid-template-columns:1fr}.hero-copy{padding:58px 24px}.hero-image{min-height:340px}.grid,.resource-list,.split,.contact-grid{grid-template-columns:1fr}.option{grid-template-columns:1fr;gap:5px}.cta{padding:35px;align-items:flex-start;flex-direction:column}footer .cols{grid-template-columns:1fr}.wrap{width:min(100% - 30px,1140px)}}
