:root {
  --ink: #0f1f3d;
  --ink-soft: #3a4660;
  --muted: #66708a;
  --gold: #c9a14a;
  --gold-deep: #a9832f;
  --gold-tint: #f6efdf;
  --paper: #fdfbf6;
  --white: #ffffff;
  --line: #e7dfcd;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(15, 31, 61, .10);
  --serif: "Libre Caslon Text", Georgia, serif;
  --sans: "Jost", "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--serif); font-weight: 700; line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2.4rem, 6vw, 4rem); letter-spacing: -.01em; }
h2 { font-size: clamp(1.9rem, 4vw, 2.6rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }

.wrap { width: min(1140px, 100% - 32px); margin-inline: auto; }
.eyebrow {
  font-size: .8rem; font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: var(--gold-deep); margin-bottom: .8rem; display: inline-block;
}
.gold { color: var(--gold); }
.rule { width: 64px; height: 3px; background: var(--gold); border: 0; margin: 0 0 1.4rem; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .9rem 1.6rem; border-radius: 999px; font-weight: 600; font-size: 1rem;
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, background .15s ease, color .15s ease;
  font-family: var(--sans);
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: var(--gold-deep); color: var(--white); }
.btn-dark { background: var(--ink); color: var(--white); }
.btn-dark:hover { background: #08142b; }
.btn-outline { border-color: var(--ink); color: var(--ink); background: transparent; }
.btn-outline:hover { background: var(--ink); color: var(--white); }
.btn-outline-light { border-color: var(--white); color: var(--white); }
.btn-outline-light:hover { background: var(--white); color: var(--ink); }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(253, 251, 246, .94); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 72px; }
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; }
.brand img { height: 46px; width: auto; }
.brand-text { font-family: var(--serif); font-weight: 700; font-size: 1.05rem; line-height: 1.1; }
.brand-text small { display: block; font-family: var(--sans); font-weight: 500; font-size: .68rem; letter-spacing: .2em; color: var(--muted); text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 1.6rem; list-style: none; margin: 0; padding: 0; }
.nav-links a:not(.btn) { text-decoration: none; font-weight: 500; font-size: .95rem; }
.nav-links a:not(.btn):hover { color: var(--gold-deep); }
.nav-links .btn { padding: .6rem 1.2rem; font-size: .92rem; }
.menu-toggle { display: none; background: none; border: 0; padding: .5rem; cursor: pointer; }
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--ink); margin: 5px 0; }

@media (max-width: 880px) {
  .menu-toggle { display: block; }
  .nav-links {
    display: none; position: absolute; top: 72px; left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper); border-bottom: 1px solid var(--line); padding: .5rem 16px 1rem;
  }
  .nav-links.open { display: flex; }
  .nav-links li a:not(.btn) { display: block; padding: .8rem 0; border-bottom: 1px solid var(--line); }
  .nav-links .btn { margin-top: .8rem; width: 100%; }
}

/* Hero */
.hero { padding: clamp(3rem, 8vw, 6rem) 0 clamp(3rem, 6vw, 5rem); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.hero h1 em { font-style: italic; color: var(--gold-deep); }
.hero .lead { font-size: 1.2rem; color: var(--ink-soft); max-width: 34ch; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: .8rem; margin: 1.8rem 0 1.4rem; }
.hero-call { font-size: .95rem; color: var(--muted); }
.hero-call a { color: var(--ink); font-weight: 600; text-decoration: none; border-bottom: 2px solid var(--gold); }
.hero-photo { position: relative; }
.hero-photo::before {
  content: ""; position: absolute; inset: 24px -24px -24px 24px;
  border: 2px solid var(--gold); border-radius: var(--radius);
}
.hero-photo img { position: relative; border-radius: var(--radius); box-shadow: var(--shadow); aspect-ratio: 4/5; object-fit: cover; object-position: center 20%; width: 100%; }
.trust { display: flex; flex-wrap: wrap; gap: .5rem 1.4rem; margin-top: 1.6rem; padding: 0; list-style: none; font-size: .92rem; color: var(--ink-soft); }
.trust li::before { content: "✓"; color: var(--gold-deep); font-weight: 700; margin-right: .4rem; }

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-photo { max-width: 420px; margin: 0 auto; width: calc(100% - 24px); }
}

/* Announcement bar */
.announce { background: var(--ink); color: var(--white); font-size: .92rem; text-align: center; padding: .65rem 16px; }
.announce a { color: var(--gold); font-weight: 600; }

/* Sections */
section { scroll-margin-top: 80px; }
.section { padding: clamp(3.5rem, 8vw, 6rem) 0; }
.section-head { max-width: 640px; margin-bottom: 2.6rem; }
.section-head.center { text-align: center; margin-inline: auto; }
.section-head.center .rule { margin-inline: auto; }
.section-head p { color: var(--ink-soft); font-size: 1.08rem; }
.bg-white { background: var(--white); }
.bg-tint { background: var(--gold-tint); }
.bg-dark { background: var(--ink); color: var(--white); }
.bg-dark .section-head p { color: #c6cfe0; }

/* Coverage cards */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.card {
  background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.8rem 1.5rem; display: flex; flex-direction: column;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold); }
.card-icon {
  width: 52px; height: 52px; border-radius: 50%; background: var(--ink); color: var(--gold);
  display: grid; place-items: center; margin-bottom: 1.2rem;
}
.card p { color: var(--ink-soft); font-size: .98rem; flex: 1; }
.card ul { margin: 0 0 1.2rem; padding-left: 1.1rem; font-size: .93rem; color: var(--ink-soft); }
.card-link { font-weight: 600; text-decoration: none; color: var(--ink); border-bottom: 2px solid var(--gold); align-self: flex-start; }
.card-link:hover { color: var(--gold-deep); }
@media (max-width: 1000px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .cards { grid-template-columns: 1fr; } }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; counter-reset: step; }
.step { position: relative; padding-top: 3.4rem; }
.step::before {
  counter-increment: step; content: "0" counter(step);
  position: absolute; top: 0; left: 0; font-family: var(--serif); font-size: 2.4rem; color: var(--gold);
}
.step p { color: #c6cfe0; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; gap: 1.6rem; } }

/* About */
.about-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.about-photo img { border-radius: var(--radius); box-shadow: var(--shadow); aspect-ratio: 3/4; object-fit: cover; object-position: center 15%; width: 100%; }
.signature { font-family: var(--serif); font-style: italic; font-size: 1.6rem; color: var(--gold-deep); margin-top: .5rem; }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 1.8rem; }
.value { border-left: 3px solid var(--gold); padding-left: .9rem; }
.value strong { display: block; font-family: var(--serif); }
.value span { font-size: .9rem; color: var(--muted); }
@media (max-width: 880px) {
  .about-grid { grid-template-columns: 1fr; }
  .about-photo { max-width: 380px; }
  .values { grid-template-columns: 1fr; }
}

/* Events */
.events { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.event {
  background: var(--white); border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line);
  display: flex; flex-direction: column;
}
.event-date { background: var(--ink); color: var(--white); padding: 1rem 1.4rem; display: flex; align-items: baseline; gap: .7rem; }
.event-date strong { font-family: var(--serif); font-size: 1.7rem; color: var(--gold); line-height: 1; }
.event-date span { font-size: .85rem; letter-spacing: .12em; text-transform: uppercase; }
.event-body { padding: 1.4rem; flex: 1; display: flex; flex-direction: column; }
.event-meta { font-size: .9rem; color: var(--muted); margin-bottom: .8rem; }
.event-body p { font-size: .97rem; color: var(--ink-soft); flex: 1; }
.tag { display: inline-block; font-size: .72rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; background: var(--gold-tint); color: var(--gold-deep); padding: .25rem .6rem; border-radius: 999px; margin-bottom: .6rem; align-self: flex-start; }
@media (max-width: 960px) { .events { grid-template-columns: 1fr; max-width: 560px; } }

/* Quote form */
.quote-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 1.6rem 0; }
.contact-list li { display: flex; gap: .9rem; align-items: center; padding: .8rem 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.contact-list svg { color: var(--gold); flex: none; }
.contact-list a { text-decoration: none; font-weight: 500; }
.contact-list a:hover { color: var(--gold); }
.form-card { background: var(--white); color: var(--ink); border-radius: var(--radius); padding: clamp(1.4rem, 4vw, 2.4rem); box-shadow: 0 20px 50px rgba(0,0,0,.25); }
.form-card h3 { margin-bottom: .2rem; }
.form-card > p { color: var(--muted); font-size: .95rem; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field { margin-bottom: 1rem; }
.field label { display: block; font-size: .85rem; font-weight: 600; margin-bottom: .35rem; }
.field input, .field select, .field textarea {
  width: 100%; padding: .8rem .9rem; font: inherit; font-size: 1rem;
  border: 1.5px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,161,74,.2); }
.field textarea { min-height: 96px; resize: vertical; }
.check { display: flex; gap: .6rem; align-items: flex-start; font-size: .8rem; color: var(--muted); margin: .4rem 0 1.2rem; line-height: 1.45; }
.check input { margin-top: .2rem; accent-color: var(--gold-deep); }
.form-card .btn { width: 100%; }
.hidden { display: none; }
@media (max-width: 880px) { .quote-grid { grid-template-columns: 1fr; } }
@media (max-width: 520px) { .field-row { grid-template-columns: 1fr; gap: 0; } }

/* CTA band */
.cta-band { text-align: center; }
.cta-band .hero-ctas { justify-content: center; }

/* Footer */
.site-footer { background: #0a1730; color: #b9c2d6; padding: 3rem 0 2rem; font-size: .92rem; }
.footer-top { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 2rem; padding-bottom: 2rem; border-bottom: 1px solid #22345a; }
.footer-brand { max-width: 320px; }
.footer-brand .brand-text { color: var(--white); }
.footer-brand img { height: 54px; background: var(--paper); border-radius: 10px; padding: 4px 6px; }
.footer-col h4 { color: var(--white); font-family: var(--serif); font-size: 1rem; margin: 0 0 .8rem; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: .4rem; }
.footer-col a { text-decoration: none; }
.footer-col a:hover { color: var(--gold); }
.social-icons { display: flex; gap: .6rem; flex-wrap: wrap; }
.social-icons a { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; border: 1px solid #2e4370; color: var(--white); }
.social-icons a:hover { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.disclaimer { font-size: .78rem; line-height: 1.55; color: #8592ad; margin-top: 1.6rem; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; margin-top: 1.4rem; font-size: .82rem; color: #8592ad; }
.footer-bottom a { color: #b9c2d6; }

/* Floating call button (mobile) */
.fab {
  position: fixed; right: 16px; bottom: 16px; z-index: 60; display: none;
  width: 56px; height: 56px; border-radius: 50%; background: var(--gold); color: var(--ink);
  place-items: center; box-shadow: 0 8px 24px rgba(0,0,0,.25);
}
@media (max-width: 880px) { .fab { display: grid; } }

/* ================= Link-in-bio page ================= */
.links-page {
  min-height: 100vh; background: radial-gradient(ellipse at top, #1d3566 0%, #0a1730 65%);
  color: var(--white); padding: 3rem 16px 2.5rem;
}
.links-inner { width: min(480px, 100%); margin: 0 auto; text-align: center; }
.avatar {
  width: 132px; height: 132px; border-radius: 50%; object-fit: cover; object-position: center 18%;
  margin: 0 auto 1.1rem; border: 3px solid var(--gold); box-shadow: 0 0 0 6px rgba(201,161,74,.15);
}
.links-inner h1 { font-size: 1.9rem; margin-bottom: .2rem; }
.links-inner .sub { color: var(--gold); font-weight: 500; letter-spacing: .04em; margin-bottom: .2rem; }
.links-inner .lines { color: #b9c2d6; font-size: .92rem; margin-bottom: 1.8rem; }
.link-stack { display: grid; gap: .8rem; }
.link-btn {
  display: flex; align-items: center; justify-content: center; gap: .7rem;
  padding: 1rem 1.2rem; border-radius: 14px; text-decoration: none; font-weight: 600;
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.16); color: var(--white);
  transition: background .15s ease, transform .15s ease, border-color .15s ease;
}
.link-btn:hover { background: rgba(201,161,74,.16); border-color: var(--gold); transform: translateY(-1px); }
.link-btn.primary { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.link-btn.primary:hover { background: #d8b45e; }
.link-btn svg { flex: none; }
.links-divider { font-size: .75rem; letter-spacing: .2em; text-transform: uppercase; color: #8592ad; margin: 1.6rem 0 .9rem; }
.links-logo { width: 110px; margin: 2.2rem auto .6rem; background: var(--paper); border-radius: 12px; padding: 6px 8px; }
.links-foot { font-size: .78rem; color: #8592ad; }

/* Draft placeholders: highlighted so they're easy to spot. Delete this rule (or the spans) before launch */
.ph { background: #fff3c4; color: #5a4300; padding: 0 .3em; border-radius: 4px; font-weight: 500; box-decoration-break: clone; -webkit-box-decoration-break: clone; }
.license-line { font-size: .92rem; color: var(--muted); }

/* ================= Multi-page additions ================= */
.nav-links .has-sub { position: relative; }
.nav-links .sub-toggle { background: none; border: 0; font: inherit; font-weight: 500; font-size: .95rem; color: var(--ink); cursor: pointer; padding: 0; display: inline-flex; align-items: center; gap: .3rem; }
.nav-links .sub-toggle::after { content: ""; width: 6px; height: 6px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-2px); }
.submenu { list-style: none; margin: 0; padding: .6rem 0; position: absolute; top: calc(100% + 14px); left: -1rem; min-width: 230px; background: var(--white); border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); display: none; }
.submenu a { display: block; padding: .55rem 1.1rem; text-decoration: none; font-size: .95rem; }
.submenu a:hover { background: var(--gold-tint); color: var(--ink); }
.has-sub:hover .submenu, .has-sub:focus-within .submenu, .has-sub.open .submenu { display: block; }
.has-sub::after { content: ""; position: absolute; left: 0; right: 0; top: 100%; height: 16px; }
.nav-links a[aria-current="page"], .nav-links .sub-toggle.current { color: var(--gold-deep); }
@media (max-width: 880px) {
  .nav-links .sub-toggle { display: none; }
  .has-sub::after { display: none; }
  .submenu { display: block; position: static; box-shadow: none; border: 0; padding: 0; min-width: 0; background: transparent; }
  .submenu a { padding: .8rem 0 .8rem 1rem; border-bottom: 1px solid var(--line); }
}

.page-hero { background: var(--ink); color: var(--white); padding: clamp(3rem, 7vw, 5rem) 0; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 380px; height: 380px; border-radius: 50%; border: 2px solid rgba(201,161,74,.35); }
.page-hero h1 { font-size: clamp(2.2rem, 5vw, 3.3rem); max-width: 18ch; }
.page-hero p { color: #c6cfe0; font-size: 1.15rem; max-width: 56ch; }
.page-hero .hero-ctas { margin-bottom: 0; }
.crumbs { font-size: .85rem; color: #8592ad; margin-bottom: 1rem; }
.crumbs a { color: var(--gold); text-decoration: none; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.split.wide-left { grid-template-columns: 1.3fr .7fr; }
@media (max-width: 880px) { .split, .split.wide-left { grid-template-columns: 1fr; } }
.prose h2 { margin-top: .2rem; }
.prose h3 { margin: 1.6rem 0 .5rem; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .4rem; }

.feature-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.2rem; }
.feature { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.feature h3 { font-size: 1.15rem; margin-bottom: .4rem; }
.feature p { color: var(--ink-soft); font-size: .97rem; margin: 0; }
.feature .tag { margin-bottom: .7rem; }
@media (max-width: 640px) { .feature-list { grid-template-columns: 1fr; } }

.side-card { background: var(--gold-tint); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.8rem; position: sticky; top: 96px; }
.side-card h3 { margin-bottom: .4rem; }
.side-card p { color: var(--ink-soft); font-size: .97rem; }
.side-card .btn { width: 100%; margin-top: .6rem; }
.side-card .small { font-size: .88rem; color: var(--muted); margin-top: 1rem; }
.side-card .small a { font-weight: 600; color: var(--ink); }

.timeline { list-style: none; padding: 0; margin: 0; display: grid; gap: 1rem; }
.timeline li { background: var(--white); border-left: 4px solid var(--gold); border-radius: 0 var(--radius) var(--radius) 0; padding: 1.1rem 1.3rem; box-shadow: 0 2px 10px rgba(15,31,61,.05); }
.timeline strong { display: block; font-family: var(--serif); font-size: 1.1rem; }
.timeline span { display: block; color: var(--gold-deep); font-weight: 600; font-size: .9rem; margin: .1rem 0 .3rem; }
.timeline p { margin: 0; color: var(--ink-soft); font-size: .96rem; }

.faq { max-width: 820px; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 12px; margin-bottom: .8rem; }
.faq summary { cursor: pointer; list-style: none; padding: 1.1rem 3rem 1.1rem 1.3rem; font-weight: 600; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 1.2rem; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--gold-deep); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq details > div { padding: 0 1.3rem 1.2rem; color: var(--ink-soft); }
.faq details > div p:last-child { margin: 0; }
.faq-group h2 { font-size: 1.5rem; margin: 2.4rem 0 1rem; }
.faq-group:first-child h2 { margin-top: 0; }

.resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.resource { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.4rem; text-decoration: none; display: block; transition: border-color .2s, transform .2s; }
.resource:hover { border-color: var(--gold); transform: translateY(-3px); }
.resource strong { display: block; font-family: var(--serif); font-size: 1.1rem; margin-bottom: .3rem; }
.resource span { color: var(--ink-soft); font-size: .93rem; }
.resource em { display: block; font-style: normal; color: var(--gold-deep); font-weight: 600; font-size: .85rem; margin-top: .7rem; }
@media (max-width: 880px) { .resource-grid { grid-template-columns: 1fr; } }

.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; }
.why { text-align: center; padding: 1rem; }
.why .card-icon { margin: 0 auto 1rem; }
.why p { color: var(--ink-soft); font-size: .95rem; }
@media (max-width: 900px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .why-grid { grid-template-columns: 1fr; } }

.contact-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; margin-bottom: 3rem; }
.contact-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; text-align: center; }
.contact-card .card-icon { margin: 0 auto 1rem; }
.contact-card a { font-weight: 600; text-decoration: none; display: block; }
.contact-card a:hover { color: var(--gold-deep); }
@media (max-width: 760px) { .contact-cards { grid-template-columns: 1fr; } }
.form-card.light { box-shadow: var(--shadow); border: 1px solid var(--line); }
.social-icons.dark a { border-color: var(--line); color: var(--ink); }
.social-icons.dark a:hover { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.about-photo img.photo-2 { aspect-ratio: 4/5; object-position: 42% 30%; }

/* Medicare permission form */
.checks { border: 1.5px solid var(--line); border-radius: 12px; padding: 1rem 1.1rem .6rem; margin: 0 0 1rem; background: var(--paper); }
.checks legend { font-size: .85rem; font-weight: 600; padding: 0 .4rem; }
.checks legend span { font-weight: 400; color: var(--muted); }
.checks label { display: flex; gap: .6rem; align-items: center; font-size: .95rem; margin-bottom: .55rem; cursor: pointer; }
.checks input { accent-color: var(--gold-deep); width: 18px; height: 18px; flex: none; }
.checks.inline { display: flex; flex-wrap: wrap; gap: 0 1.4rem; }
.checks.inline legend { width: 100%; }
.consent-box { background: var(--gold-tint); border: 1.5px solid var(--gold); border-radius: 12px; padding: 1rem 1.1rem; margin-bottom: 1rem; }
.check.strong { font-size: .86rem; color: var(--ink-soft); margin: 0; }
.check.strong input { width: 18px; height: 18px; flex: none; }
.form-note { font-size: .78rem; color: var(--muted); margin: 1rem 0 0; line-height: 1.5; }
.next-steps { padding-left: 1.2rem; margin: .4rem 0 1rem; }
.next-steps li { margin-bottom: .6rem; color: var(--ink-soft); font-size: .96rem; }
.jotform-wrap { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: .5rem; overflow: hidden; }
.jotform-wrap .form-note { padding: 0 1rem 1rem; }
.medicare-note { background: var(--gold-tint); border-left: 3px solid var(--gold); border-radius: 8px; padding: .7rem .9rem; font-size: .9rem; color: var(--ink-soft); }
.medicare-note a { font-weight: 600; color: var(--ink); }

/* ================= Accessibility widget ================= */
.a11y-fab {
  position: fixed; left: 16px; bottom: 16px; z-index: 70; width: 56px; height: 56px; border-radius: 50%;
  background: var(--ink); color: var(--white); border: 3px solid var(--gold); display: grid; place-items: center;
  cursor: pointer; box-shadow: 0 8px 24px rgba(0,0,0,.25);
}
.a11y-fab:focus-visible, .a11y-panel button:focus-visible, .a11y-panel a:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.a11y-panel {
  position: fixed; left: 16px; bottom: 84px; z-index: 71; width: min(360px, calc(100vw - 32px)); max-height: calc(100vh - 110px); overflow: auto;
  background: var(--white); color: var(--ink); border: 1px solid var(--line); border-radius: 16px; box-shadow: 0 20px 50px rgba(0,0,0,.3); padding: 1.1rem 1.2rem;
  font-family: var(--sans);
}
.a11y-panel[hidden] { display: none; }
.a11y-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: .6rem; }
.a11y-head h2 { font-size: 1.3rem; margin: 0; }
.a11y-close { background: none; border: 0; font-size: 1.8rem; line-height: 1; cursor: pointer; color: var(--ink); padding: 0 .3rem; }
.a11y-label { font-size: .8rem; font-weight: 600; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin: 0 0 .4rem; }
.a11y-row { display: flex; align-items: center; gap: .6rem; margin-bottom: .9rem; }
.a11y-row button, .a11y-toggles button, .a11y-foot button {
  font: inherit; font-weight: 600; border: 2px solid var(--ink); background: var(--white); color: var(--ink); border-radius: 10px; padding: .5rem .8rem; cursor: pointer;
}
.a11y-size { flex: 1; text-align: center; font-weight: 600; }
.a11y-toggles { display: grid; gap: .5rem; margin-bottom: 1rem; }
.a11y-toggles button[aria-pressed="true"] { background: var(--ink); color: var(--white); }
.a11y-toggles button[aria-pressed="true"]::after { content: " ✓"; color: var(--gold); }
.a11y-hearing { background: var(--gold-tint); border-left: 4px solid var(--gold); border-radius: 10px; padding: .8rem 1rem; margin-bottom: .9rem; }
.a11y-hearing h3 { font-size: 1.05rem; margin: 0 0 .5rem; }
.a11y-hearing ul { margin: 0; padding-left: 1.1rem; font-size: .93rem; }
.a11y-hearing li { margin-bottom: .4rem; }
.a11y-hearing a { font-weight: 600; color: var(--ink); }
.a11y-foot { display: flex; justify-content: space-between; align-items: center; font-size: .92rem; }
.a11y-foot a { color: var(--ink); font-weight: 600; }

/* Preferences */
html.a11y-text-1 { font-size: 112.5%; } html.a11y-text-1 body { font-size: 19px; }
html.a11y-text-2 { font-size: 125%; }   html.a11y-text-2 body { font-size: 21px; }
html.a11y-text-3 { font-size: 140%; }   html.a11y-text-3 body { font-size: 24px; }
html.a11y-links a { text-decoration: underline !important; text-underline-offset: 3px; }
html.a11y-font { --serif: "Jost", Arial, sans-serif; }
html.a11y-font body { letter-spacing: .02em; word-spacing: .08em; line-height: 1.8; }
html.a11y-contrast { --ink: #000; --ink-soft: #000; --muted: #222; --line: #000; --paper: #fff; --gold-tint: #fff4cc; --gold-deep: #6b4e00; }
html.a11y-contrast body { background: #fff; color: #000; }
html.a11y-contrast .bg-dark, html.a11y-contrast .page-hero, html.a11y-contrast .site-footer, html.a11y-contrast .announce, html.a11y-contrast .links-page { background: #000 !important; color: #fff !important; }
html.a11y-contrast .bg-dark p, html.a11y-contrast .page-hero p, html.a11y-contrast .site-footer, html.a11y-contrast .site-footer a, html.a11y-contrast .disclaimer, html.a11y-contrast .step p { color: #fff !important; }
html.a11y-contrast .eyebrow, html.a11y-contrast .gold { color: #ffd34d; }
html.a11y-contrast .bg-white .eyebrow, html.a11y-contrast .section:not(.bg-dark) .eyebrow { color: #6b4e00; }
html.a11y-contrast .btn-gold { background: #ffd34d; color: #000; border-color: #000; }
html.a11y-contrast .card, html.a11y-contrast .feature, html.a11y-contrast .resource { border: 2px solid #000; }

/* Accessibility page */
.access-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.2rem; }
.access-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.access-card h3 { margin-bottom: .4rem; }
.access-card p { color: var(--ink-soft); margin: 0; }
.access-card .big { font-family: var(--serif); font-size: 2rem; color: var(--gold-deep); display: block; margin: .3rem 0 .5rem; }
@media (max-width: 760px) { .access-grid { grid-template-columns: 1fr; } }
.narrow-form { max-width: 780px; }
.thanks-card { text-align: left; margin-top: 1rem; }
.thanks-card .card-icon { margin-bottom: 1rem; }
.thanks-card h1 { font-size: clamp(1.6rem, 4vw, 2.2rem); }
.thanks-card .btn { width: 100%; margin: .4rem 0 1rem; }
.thanks-card .small { font-size: .92rem; color: var(--muted); }
.thanks-card .small a { color: var(--ink); font-weight: 600; }
/* Compact header so the quote form shows right away (especially on phones) */
.page-hero.compact { padding: 2rem 0 1.6rem; }
.page-hero.compact::after { display: none; }
.page-hero.compact h1 { font-size: clamp(1.8rem, 5vw, 2.6rem); margin-bottom: .3rem; max-width: none; }
.page-hero.compact p { font-size: 1rem; margin: 0; }
.page-hero.compact .crumbs { margin-bottom: .5rem; }
.section.quote-first { padding-top: 1.4rem; }
.quote-first .medicare-note { margin-top: 0; }
@media (max-width: 600px) {
  .page-hero.compact { padding: 1.2rem 0 1.1rem; }
  .page-hero.compact .crumbs { display: none; }
  .section.quote-first { padding-top: 1rem; }
}