/* =========================================================
   Medicare Benefits 4U — Site 2 (redesign)
   Palette: deep teal ink + warm gold  |  Font: Geist
   ========================================================= */

:root{
  --ink:#152b3b;
  --muted:#576d7c;
  --line:#d8e3e8;
  --paper:#ffffff;
  --mist:#f4f8f9;
  --teal:#1f6f8b;
  --teal-deep:#173a4f;
  --gold:#d9a437;
  --gold-dark:#c08f28;
  --gold-soft:#f8f3e9;
  --gold-line:#e9bd5b;
  --shadow:0 24px 70px rgba(9,42,70,.13);
  --radius:18px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:'Geist', system-ui, -apple-system, 'Segoe UI', sans-serif;
  color:var(--ink);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:var(--teal); }

h1,h2,h3,h4{ font-family:'Geist', sans-serif; color:var(--ink); line-height:1.15; letter-spacing:-.02em; }

.shell{ width:100%; max-width:1160px; margin:0 auto; padding:0 clamp(1rem,4vw,2rem); }

.eyebrow{
  font-family:'Geist Mono', ui-monospace, monospace;
  text-transform:uppercase; letter-spacing:.18em; font-size:.72rem; font-weight:500;
  color:var(--teal); margin:0 0 .75rem;
}
.eyebrow.light{ color:var(--gold-dark); }

/* Accessible focus */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{
  outline:3px solid var(--gold); outline-offset:2px;
}
.skip-link{
  position:absolute; left:-999px; top:0; z-index:3000;
  background:var(--ink); color:#fff; padding:.6rem 1rem; border-radius:0 0 .4rem 0; text-decoration:none;
}
.skip-link:focus{ left:0; }

/* ---------- Buttons ---------- */
.button{
  display:inline-flex; align-items:center; justify-content:center; gap:.5rem;
  font-weight:600; font-size:1rem; text-decoration:none; cursor:pointer;
  padding:.85rem 1.6rem; border-radius:12px; border:1.5px solid transparent; transition:.18s ease;
  font-family:'Geist', sans-serif;
}
.button-primary{ background:var(--ink); color:#fff; }
.button-primary:hover{ background:#0f2230; color:#fff; }
.button-gold{ background:var(--gold); color:#3a2a05; }
.button-gold:hover{ background:var(--gold-dark); color:#3a2a05; }
.button-outline{ background:transparent; color:var(--ink); border-color:var(--line); }
.button-outline:hover{ border-color:var(--ink); background:var(--mist); }

/* ---------- Utility bar ---------- */
.utility-bar{ background:var(--ink); color:#dce7ee; font-size:.82rem; }
.utility-inner{ display:flex; flex-wrap:wrap; gap:.4rem 1.25rem; align-items:center; justify-content:space-between; padding-top:.55rem; padding-bottom:.55rem; }
.utility-inner p{ margin:0; }
.utility-inner strong{ color:#fff; }
.utility-inner span[aria-hidden]{ margin:0 .5rem; color:var(--gold-line); }
.utility-inner a{ color:#fff; text-decoration:none; font-weight:600; white-space:nowrap; }
.utility-inner a span{ color:#aebfca; font-weight:400; }

/* ---------- Header ---------- */
.site-header{ background:#fff; border-bottom:1px solid var(--line); }
.header-inner{ display:flex; align-items:center; justify-content:space-between; gap:1.25rem; padding-top:1rem; padding-bottom:1rem; flex-wrap:wrap; }
.brand-lockup{ display:flex; align-items:center; gap:1rem; flex-wrap:wrap; }
.brand img{ height:60px; width:auto; }
.brand-lockup > p{ margin:0; font-size:.8rem; color:var(--muted); max-width:230px; border-left:1px solid var(--line); padding-left:1rem; }
.header-actions{ display:flex; align-items:center; gap:1.25rem; }
.header-actions > p{ margin:0; font-size:.8rem; color:var(--muted); text-align:right; line-height:1.4; }
.header-actions > p strong{ display:block; color:var(--ink); font-size:.95rem; }

/* ---------- Hero ---------- */
.hero{ position:relative; overflow:hidden; background:linear-gradient(180deg,var(--mist),#fff 70%); border-bottom:1px solid var(--line); }
.hero-orb{ position:absolute; border-radius:50%; filter:blur(80px); opacity:.55; pointer-events:none; z-index:0; }
.hero-orb-one{ width:44vw; height:44vw; background:radial-gradient(circle,#e9bd5b,transparent 65%); top:-14vw; right:-8vw; }
.hero-orb-two{ width:38vw; height:38vw; background:radial-gradient(circle,#8fd0e0,transparent 65%); bottom:-16vw; left:-10vw; opacity:.4; }
.hero-grid{ position:relative; z-index:1; display:grid; grid-template-columns:1.05fr 1fr; gap:clamp(1.5rem,4vw,3.5rem); align-items:start; padding-top:clamp(2.5rem,5vw,4.5rem); padding-bottom:clamp(2.5rem,5vw,4.5rem); }
.hero-copy h1{ font-size:clamp(2rem,5vw,3.25rem); font-weight:700; margin:0 0 1rem; }
.hero-lede{ font-size:clamp(1.05rem,2.3vw,1.25rem); color:var(--muted); margin:0 0 1.5rem; max-width:34rem; }
.trust-list{ list-style:none; margin:0 0 1.5rem; padding:0; display:grid; gap:.6rem; }
.trust-list li{ display:flex; align-items:center; gap:.6rem; font-weight:500; }
.trust-list li span{ display:inline-flex; align-items:center; justify-content:center; width:24px; height:24px; border-radius:50%; background:var(--gold-soft); color:var(--gold-dark); font-size:.8rem; font-weight:700; }
.hero-note{ display:flex; gap:.75rem; align-items:flex-start; background:#fff; border:1px solid var(--line); border-radius:14px; padding:1rem 1.15rem; box-shadow:var(--shadow); }
.hero-note .note-icon{ flex:none; width:26px; height:26px; border-radius:50%; background:var(--teal); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-style:italic; }
.hero-note p{ margin:0; font-size:.9rem; color:var(--muted); }

/* ---------- Form card ---------- */
.form-card{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); box-shadow:var(--shadow); padding:clamp(1.5rem,3vw,2.25rem); }
.form-heading{ margin-bottom:1.25rem; }
.form-kicker{ font-family:'Geist Mono',monospace; text-transform:uppercase; letter-spacing:.16em; font-size:.7rem; color:var(--gold-dark); margin:0 0 .4rem; }
.form-heading h2{ font-size:1.5rem; margin:0 0 .5rem; }
.form-heading p{ margin:0; font-size:.86rem; color:var(--muted); }
.field-grid{ display:grid; grid-template-columns:1fr 1fr; gap:1rem; }
.field{ display:flex; flex-direction:column; gap:.35rem; }
.field label{ font-size:.85rem; font-weight:600; }
.field label span{ color:#c0392b; }
.field input{ font:inherit; padding:.7rem .8rem; border:1px solid var(--line); border-radius:10px; background:#fdfefe; }
.field input:focus{ outline:none; border-color:var(--teal); box-shadow:0 0 0 3px rgba(31,111,139,.18); }
.radio-group{ border:1px solid var(--line); border-radius:12px; padding:.9rem 1rem; margin:1rem 0 0; }
.radio-group legend{ font-size:.85rem; font-weight:600; padding:0 .35rem; }
.radio-group legend span{ color:#c0392b; }
.radio-group label{ display:inline-flex; align-items:center; gap:.35rem; margin-right:1.25rem; font-size:.92rem; }
.consent-panel{ display:flex; gap:.7rem; align-items:flex-start; background:var(--mist); border:1px solid var(--line); border-radius:12px; padding:1rem; margin:1rem 0 0; }
.consent-panel input{ margin-top:.25rem; flex:none; }
.consent-panel label{ font-size:.76rem; line-height:1.55; color:var(--muted); }
.consent-panel a{ color:var(--teal); font-weight:600; }
.submit-button{ width:100%; margin-top:1.15rem; font-size:1.05rem; }
.form-alternative{ text-align:center; font-size:.82rem; color:var(--muted); margin:.9rem 0 0; }
.privacy-promise{ font-size:.74rem; color:var(--muted); margin:.75rem 0 0; padding-top:.75rem; border-top:1px dashed var(--line); }

/* ---------- Sections ---------- */
section{ padding:clamp(2.75rem,5vw,4.5rem) 0; }
.section-heading{ max-width:640px; margin-bottom:2.25rem; }
.section-heading.centered{ margin-left:auto; margin-right:auto; text-align:center; }
.section-heading h2{ font-size:clamp(1.6rem,3.4vw,2.25rem); font-weight:700; margin:0 0 .6rem; }
.section-heading p{ color:var(--muted); margin:0; }

/* TPMO */
.tpmo-section{ padding:clamp(1.5rem,3vw,2rem) 0; background:var(--gold-soft); }
.tpmo-disclosure{ border:1px solid var(--gold-line); background:#fffdf7; border-radius:14px; padding:1.25rem 1.5rem; max-width:1000px; margin:0 auto; }
.tpmo-disclosure p{ margin:0 0 .6rem; font-size:.92rem; color:#5a4a25; }
.tpmo-disclosure p:last-child{ margin-bottom:0; }
.tpmo-disclosure strong{ color:var(--ink); }
.medicare-hours{ font-size:.82rem !important; color:#7a6a45 !important; }

/* How / steps */
.steps-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:1.25rem; }
.step-card{ background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:1.75rem 1.5rem; position:relative; }
.step-card.featured{ background:var(--ink); color:#fff; border-color:var(--ink); box-shadow:var(--shadow); }
.step-card.featured h3{ color:#fff; }
.step-card.featured p{ color:#c6d3dc; }
.step-number{ font-family:'Geist Mono',monospace; font-size:.85rem; color:var(--gold-dark); font-weight:600; }
.step-card.featured .step-number{ color:var(--gold-line); }
.step-icon{ width:46px; height:46px; border-radius:12px; background:var(--gold-soft); color:var(--gold-dark); display:flex; align-items:center; justify-content:center; font-size:1.3rem; margin:.75rem 0 1rem; }
.step-card.featured .step-icon{ background:rgba(233,189,91,.2); color:var(--gold-line); }
.step-card h3{ font-size:1.15rem; margin:0 0 .5rem; }
.step-card p{ margin:0; color:var(--muted); font-size:.95rem; }

/* Coverage */
.coverage-section{ background:var(--mist); }
.coverage-grid{ display:grid; grid-template-columns:1fr 1.1fr; gap:clamp(1.5rem,4vw,3rem); align-items:center; }
.coverage-copy h2{ font-size:clamp(1.6rem,3.2vw,2.15rem); margin:0 0 1rem; }
.coverage-copy p{ color:var(--muted); margin:0 0 1.25rem; }
.text-link{ font-weight:600; text-decoration:none; color:var(--teal); border-bottom:2px solid var(--gold); padding-bottom:2px; }
.coverage-list{ display:grid; gap:1rem; }
.coverage-list article{ display:flex; gap:1rem; background:#fff; border:1px solid var(--line); border-radius:14px; padding:1.15rem 1.25rem; align-items:flex-start; }
.coverage-list article > span{ flex:none; width:40px; height:40px; border-radius:10px; background:var(--ink); color:var(--gold-line); font-weight:700; font-family:'Geist Mono',monospace; display:flex; align-items:center; justify-content:center; }
.coverage-list h3{ font-size:1.1rem; margin:0 0 .3rem; }
.coverage-list p{ margin:0; color:var(--muted); font-size:.92rem; }

/* Values */
.values-grid{ display:grid; grid-template-columns:.9fr 1.1fr; gap:clamp(1.5rem,4vw,3rem); align-items:start; }
.values-grid h2{ font-size:clamp(1.6rem,3.2vw,2.15rem); margin:0; }
.values-copy p{ color:var(--muted); margin:0 0 1rem; }
.values-copy strong{ color:var(--ink); }

/* FAQ */
.faq-grid{ display:grid; grid-template-columns:.85fr 1.15fr; gap:clamp(1.5rem,4vw,3rem); align-items:start; }
.faq-list{ display:grid; gap:.75rem; }
.faq-list details{ border:1px solid var(--line); border-radius:12px; padding:1rem 1.25rem; background:#fff; }
.faq-list details[open]{ border-color:var(--teal); box-shadow:var(--shadow); }
.faq-list summary{ font-weight:600; cursor:pointer; list-style:none; display:flex; justify-content:space-between; gap:1rem; }
.faq-list summary::-webkit-details-marker{ display:none; }
.faq-list summary::after{ content:'+'; color:var(--gold-dark); font-weight:700; }
.faq-list details[open] summary::after{ content:'–'; }
.faq-list p{ margin:.75rem 0 0; color:var(--muted); font-size:.95rem; }

/* Final CTA */
.final-cta{ background:var(--ink); color:#fff; }
.final-inner{ display:flex; flex-wrap:wrap; gap:1.5rem; align-items:center; justify-content:space-between; }
.final-cta h2{ color:#fff; font-size:clamp(1.7rem,3.4vw,2.4rem); margin:.25rem 0 .5rem; }
.final-cta .eyebrow.light{ color:var(--gold-line); }
.final-cta > .shell > div > p{ color:#c6d3dc; margin:0; }
.final-actions{ display:flex; flex-direction:column; align-items:flex-start; gap:.75rem; }
.final-phone{ color:#fff; text-decoration:none; font-weight:700; font-size:1.2rem; }
.final-phone span{ color:#aebfca; font-weight:400; font-size:.85rem; margin-left:.4rem; }

/* ---------- Footer ---------- */
.site-footer{ background:#0f2230; color:#c6d3dc; }
.footer-grid{ display:grid; grid-template-columns:1.3fr 1fr 1fr; gap:2rem; padding-top:clamp(2.5rem,5vw,3.5rem); padding-bottom:2rem; }
.footer-brand img{ height:56px; width:auto; margin-bottom:1rem; filter:brightness(0) invert(1); opacity:.92; }
.footer-entity{ font-size:.82rem; line-height:1.6; margin:0; }
.footer-entity strong{ color:#fff; }
.site-footer h2{ color:#fff; font-size:.8rem; text-transform:uppercase; letter-spacing:.12em; font-family:'Geist Mono',monospace; margin:0 0 1rem; }
.site-footer a{ display:block; color:#c6d3dc; text-decoration:none; margin-bottom:.5rem; font-size:.92rem; word-break: break-word; overflow-wrap: break-word; }
.site-footer a:hover{ color:var(--gold-line); }
.site-footer .footer-grid p{ font-size:.82rem; color:#93a6b2; margin:.5rem 0 0; }
.footer-legal{ border-top:1px solid rgba(255,255,255,.12); padding:1.5rem 0 2.5rem; }
.footer-legal p{ font-size:.78rem; color:#93a6b2; margin:0 0 .75rem; max-width:1000px; }

/* ---------- Legacy classes kept for legal/confirmation pages ---------- */
.container{ width:100%; max-width:1160px; margin:0 auto; padding-left:clamp(1rem,4vw,2rem); padding-right:clamp(1rem,4vw,2rem); }
.logo{ height:60px; width:auto; }
.gov-bar{ background:var(--ink); color:#dce7ee; font-size:.82rem; }
.gov-bar a{ color:#fff; }
.gov-bar strong{ color:#fff; }
.page-title{ border-bottom:3px solid var(--gold); }
.page-title h1{ color:var(--ink); }
.legal-body{ max-width:850px; }
.legal-body h2{ font-size:1.3rem; margin-top:2rem; color:var(--ink); }
.legal-body p,.legal-body li{ color:#3f5058; }
.btn-brand{ background:var(--ink); color:#fff; border:1.5px solid var(--ink); border-radius:10px; padding:.6rem 1.2rem; text-decoration:none; font-weight:600; display:inline-block; }
.btn-brand:hover{ background:#0f2230; color:#fff; }
.btn-gold{ background:var(--gold); color:#3a2a05; border:1.5px solid var(--gold); border-radius:10px; padding:.6rem 1.2rem; text-decoration:none; font-weight:600; display:inline-block; }
.footer-links{ display:flex; justify-content:center; flex-wrap:wrap; gap:.25rem .5rem; padding-left:0; margin:0 0 1rem; list-style:none; }
.footer-links a{ display:inline; color:#c6d3dc; text-decoration:none; font-weight:500; font-size:.92rem; padding:0 .6rem; margin:0; }
.footer-notice{ font-size:.82rem; line-height:1.6; max-width:1000px; margin:0 auto; color:#c6d3dc; }
.footer-notice strong{ color:#fff; }
.form-control,.form-select{ font:inherit; padding:.6rem .75rem; border:1px solid var(--line); border-radius:10px; width:100%; }
.form-control:focus,.form-select:focus{ outline:none; border-color:var(--teal); box-shadow:0 0 0 3px rgba(31,111,139,.18); }
.req{ color:#c0392b; }
.confirm-check{ font-size:4rem; line-height:1; color:#1E7F52; }
.post-submit-note{ background:var(--gold-soft); border:1px solid var(--gold-line); border-radius:12px; padding:1rem 1.15rem; font-size:.9rem; color:#6b5320; }
.row-stack{ display:flex; flex-wrap:wrap; }

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .hero-grid{ grid-template-columns:1fr; }
  .steps-grid{ grid-template-columns:1fr; }
  .coverage-grid,.values-grid,.faq-grid{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr 1fr; }
  .brand-lockup > p{ display:none; }
}
@media (max-width:575px){
  .field-grid{ grid-template-columns:1fr; }
  .header-actions > p{ display:none; }
  .footer-grid{ grid-template-columns:1fr; }
  .final-inner{ flex-direction:column; align-items:flex-start; }
  .utility-inner{ font-size:.75rem; }
}