/* ============================================================
   MEDICARE AGENT SITE — BOLD FINAL
   Philosophy: If it doesn't look huge on a 27" monitor, it's
   too small. Everything punchy. Cards have real backgrounds.
   Section labels are VISIBLE. Spacing is tight and purposeful.
   Fonts: Playfair Display (headings) + Inter (body — maximum clarity)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,700;0,900;1,700&family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  --navy:         #1a3a2a;
  --navy-mid:     #1e4d35;
  --navy-light:   #2a7a4f;
  --gold:         #b8720e;
  --gold-bright:  #d4891a;
  --gold-pale:    #fdf0dc;
  --cream:        #f3f6f2;
  --white:        #ffffff;
  --ink:          #0e1f14;
  --ink-mid:      #1e3326;
  --ink-soft:     #445c4e;
  --border:       #bfcfc4;
  --border-dark:  #7a9e85;
  --radius:       10px;
  --radius-lg:    18px;
  --t:            .2s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
img  { display: block; max-width: 100%; }
a    { color: inherit; text-decoration: none; }

/* ════════════════════════════════════
   BASE — 20px minimum, heavy weight
════════════════════════════════════ */
body {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 400;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 40px;
}

/* ════════════════════════════════════
   TOPBAR
════════════════════════════════════ */
.topbar {
  background: var(--navy);
  padding: 10px 0;
  font-size: 15px;
  font-weight: 500;
  color: rgba(255,255,255,.65);
  letter-spacing: .01em;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.topbar-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  color: #fff;
  font-weight: 700;
  font-size: 16px;
}

/* ════════════════════════════════════
   NAVBAR — strong, chunky, gold bottom
════════════════════════════════════ */
.navbar {
  background: var(--white);
  border-bottom: 4px solid var(--gold);
  box-shadow: 0 4px 24px rgba(10,28,53,.12);
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 0;
}
.navbar .container {
  height: 88px;
  display: flex;
  align-items: center;
  gap: 0;
}

/* Logo */
.navbar-brand {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-shrink: 0;
  margin-right: 32px;
}
.navbar-brand img {
  height: 64px;
  width: auto;
  object-fit: contain;
  display: block;
}
/* Site name: desktop nav — hidden, shown only on mobile */
.navbar-site-name {
  display: none;
}

/* Nav links */
.navbar .navbar-nav { gap: 0; }
.navbar .nav-link {
  font-size: 17px;
  font-weight: 600;
  color: var(--ink-mid) !important;
  padding: 8px 16px !important;
  border-radius: 6px;
  white-space: nowrap;
  transition: background var(--t), color var(--t);
}
.navbar .nav-link:hover {
  color: var(--navy) !important;
  background: var(--gold-pale);
}
.navbar .nav-link.active {
  color: var(--navy) !important;
  background: var(--gold-pale);
  font-weight: 700;
  position: relative;
}
.navbar .nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 12px;
  right: 12px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
}

/* Mobile toggler */
.navbar-toggler {
  border: 2px solid var(--border-dark) !important;
  border-radius: 6px !important;
  padding: 8px 10px !important;
}
.navbar-toggler:focus { box-shadow: none !important; }
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%230a1c35' stroke-width='2.5' stroke-linecap='round' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e") !important;
}

/* Mobile: site name injected between logo and hamburger */
.navbar-mobile-name {
  display: none;
  font-family: 'Playfair Display', serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  flex: 1;
  text-align: center;
  padding: 0 12px;
}
@media (max-width: 991px) {
  .navbar-site-name   { display: none; }
  .navbar-mobile-name { display: block; }
  .navbar .container  { justify-content: space-between; }

  /* Mobile dropdown — solid white background, gold top border, big tappable links */
  .navbar-collapse {
    background: var(--white);
    border-top: 3px solid var(--gold);
    margin: 0 -40px;
    padding: 16px 24px 24px;
    box-shadow: 0 12px 32px rgba(10,28,53,.15);
  }
  .navbar .nav-link {
    font-size: 19px !important;
    font-weight: 700 !important;
    padding: 14px 16px !important;
    border-bottom: 1px solid var(--border);
    border-radius: 0;
    color: var(--navy) !important;
  }
  .navbar .nav-link:last-child { border-bottom: none; }
  .navbar .nav-link:hover,
  .navbar .nav-link.active {
    background: var(--gold-pale);
    color: var(--navy) !important;
  }
  .navbar .nav-link.active::after { display: none; }
}


/* ════════════════════════════════════
   HERO — massive headline
════════════════════════════════════ */
.hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  min-height: 600px;
  display: flex;
  align-items: center;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 65% 80% at 68% 45%, rgba(192,124,24,.25) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 5%  90%, rgba(23,79,168,.30) 0%, transparent 55%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-content { padding: 32px 0 80px; }
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(192,124,24,.2);
  border: 2px solid rgba(232,160,48,.4);
  color: var(--gold-bright);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .18em;
  text-transform: uppercase;
  padding: 7px 18px;
  border-radius: 100px;
  margin-bottom: 28px;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(3.2rem, 5vw, 4.8rem);
  font-weight: 900;
  line-height: 1.06;
  color: var(--white);
  margin-bottom: 24px;
  letter-spacing: -.025em;
}
.hero h1 em { font-style: italic; color: var(--gold-bright); }

/* Agent name — full width above the two-column hero grid */
.hero-site-name {
  font-family: 'Playfair Display', serif;
  font-style: italic;
  font-size: clamp(2.6rem, 4vw, 4.2rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.1;
  letter-spacing: -.02em;
  text-align: center;
  width: 100%;
  padding-top: 56px;
  margin-bottom: 24px;
  position: relative;
  z-index: 1;
}
/* Hide on mobile — too much stacking */
@media (max-width: 768px) {
  .hero-site-name { display: none; }
}
.hero p {
  font-size: 21px;
  font-weight: 400;
  color: rgba(255,255,255,.80);
  max-width: 480px;
  margin-bottom: 40px;
  line-height: 1.6;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.hero-phone-hint {
  font-size: 16px;
  color: rgba(255,255,255,.48);
  margin-top: 20px;
}
.hero-phone-hint strong { color: var(--gold-bright); font-weight: 700; }

.hero-image-wrap { display: flex; justify-content: flex-end; }
.hero-image-wrap img {
  width: 100%;
  max-width: 560px;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: 0 24px 64px rgba(10,28,53,.40);
}

/* ════════════════════════════════════
   TRUST BAR
════════════════════════════════════ */
.trust-bar {
  background: var(--navy-mid);
  padding: 22px 0;
}
.trust-items {
  display: flex;
  gap: 0;
  justify-content: center;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.85);
  font-size: 17px;
  font-weight: 600;
  padding: 10px 32px;
  border-right: 1px solid rgba(255,255,255,.15);
}
.trust-item:last-child { border-right: none; }
.trust-item svg { color: var(--gold-bright); flex-shrink: 0; }

/* ════════════════════════════════════
   SECTION WRAPPERS — tighter padding
════════════════════════════════════ */
.section-wrap     { padding: 72px 0; }
.section-wrap.alt { background: var(--white); }
.section-wrap.dark { background: var(--navy); }

/* ════════════════════════════════════
   SECTION HEADER — big and visible
════════════════════════════════════ */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 52px;
}
/* The tiny label pill — now a REAL visible element */
.section-label {
  display: inline-block;
  background: var(--navy);
  color: var(--gold-bright);
  font-size: 14px;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 20px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.section-wrap.alt  .section-label { background: var(--navy); color: var(--gold-bright); }
.section-wrap.dark .section-label { background: rgba(255,255,255,.12); color: var(--gold-bright); }

.section-header h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.6rem, 4vw, 3.6rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -.025em;
  margin-bottom: 16px;
}
.section-wrap.dark .section-header h2 { color: var(--white); }
.section-header p {
  font-size: 20px;
  color: var(--ink-soft);
  line-height: 1.6;
}
.section-wrap.dark .section-header p { color: rgba(255,255,255,.65); }

/* ════════════════════════════════════
   PAGE HERO (inner pages)
════════════════════════════════════ */
.page-hero {
  background: var(--navy);
  padding: 80px 0 90px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 100% at 90% 50%, rgba(192,124,24,.20) 0%, transparent 60%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero-eyebrow {
  display: inline-block;
  background: rgba(232,160,48,.18);
  border: 1.5px solid rgba(232,160,48,.35);
  color: var(--gold-bright);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.6rem, 4.5vw, 3.8rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.08;
  letter-spacing: -.025em;
  margin-bottom: 20px;
  max-width: 720px;
}
.page-hero p {
  color: rgba(255,255,255,.75);
  font-size: 21px;
  max-width: 580px;
  margin-bottom: 36px;
  line-height: 1.58;
}

/* ════════════════════════════════════
   CONTENT CARD — strong white card
════════════════════════════════════ */
.content-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 2px solid var(--border);
  box-shadow: 0 8px 40px rgba(10,28,53,.10);
  padding: 64px 72px;
  margin: -48px auto 64px;
  max-width: 920px;
  position: relative;
  z-index: 10;
}
.content-card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2.1rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 52px;
  margin-bottom: 16px;
  padding-bottom: 14px;
  border-bottom: 3px solid var(--gold-pale);
}
.content-card h2:first-child { margin-top: 0; }
.content-card h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy-mid);
  margin-top: 36px;
  margin-bottom: 12px;
}
.content-card p {
  color: var(--ink-mid);
  font-size: 19px;
  line-height: 1.75;
  margin-bottom: 20px;
}
.content-card ul {
  list-style: none;
  margin-bottom: 20px;
  padding: 0;
}
.content-card ul li {
  color: var(--ink-mid);
  font-size: 19px;
  line-height: 1.68;
  padding: 8px 0 8px 34px;
  position: relative;
}
.content-card ul li::before {
  content: '';
  position: absolute;
  left: 0; top: 17px;
  width: 11px; height: 11px;
  border-radius: 50%;
  background: var(--gold);
}

/* ════════════════════════════════════
   PLAN CARDS — real backgrounds, strong
════════════════════════════════════ */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(290px, 1fr));
  gap: 24px;
}
.plan-card {
  background: var(--white);
  border: 2px solid var(--border);
  border-top: 5px solid var(--navy);
  border-radius: var(--radius);
  padding: 36px 32px;
  transition: box-shadow var(--t), transform var(--t), border-top-color var(--t);
}
.plan-card:hover {
  box-shadow: 0 12px 40px rgba(10,28,53,.14);
  transform: translateY(-5px);
  border-top-color: var(--gold);
}
.plan-card-icon {
  width: 64px; height: 64px;
  background: var(--navy);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
}
.plan-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  line-height: 1.2;
}
.plan-card p {
  font-size: 17px;
  color: var(--ink-soft);
  line-height: 1.6;
  margin-bottom: 22px;
}
.plan-card a {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-light);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  letter-spacing: .01em;
  transition: gap var(--t), color var(--t);
}
.plan-card a:hover { gap: 12px; color: var(--gold); }

/* ════════════════════════════════════
   CTA BLOCK
════════════════════════════════════ */
.cta-section {
  background: var(--navy);
  border: 3px solid var(--gold);
  border-radius: var(--radius-lg);
  padding: 72px 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
  max-width: 960px;
  margin: 0 auto;
}
.cta-section::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 80% at 50% 120%, rgba(192,124,24,.30) 0%, transparent 60%);
}
.cta-section > * { position: relative; z-index: 1; }
.cta-section h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 3.8vw, 3rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 16px;
  letter-spacing: -.025em;
}
.cta-section p {
  color: rgba(255,255,255,.72);
  font-size: 20px;
  max-width: 520px;
  margin: 0 auto 40px;
  line-height: 1.6;
}
.cta-section .btn-group { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ════════════════════════════════════
   BUTTONS — large and unmissable
════════════════════════════════════ */
.btn-primary {
  background: var(--gold) !important;
  border: none !important;
  color: var(--white) !important;
  font-family: 'Inter', sans-serif;
  font-weight: 800;
  font-size: 18px;
  letter-spacing: .01em;
  padding: 18px 40px;
  border-radius: var(--radius);
  cursor: pointer;
  line-height: 1.2;
  display: inline-block;
  transition: background var(--t), transform var(--t), box-shadow var(--t);
}
.btn-primary:hover {
  background: var(--gold-bright) !important;
  transform: translateY(-2px);
  box-shadow: 0 10px 28px rgba(192,124,24,.45);
}
.btn-outline {
  background: transparent;
  border: 2.5px solid rgba(255,255,255,.5) !important;
  color: var(--white) !important;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 18px;
  padding: 16px 40px;
  border-radius: var(--radius);
  cursor: pointer;
  line-height: 1.2;
  display: inline-block;
  transition: background var(--t), border-color var(--t);
}
.btn-outline:hover {
  background: rgba(255,255,255,.10) !important;
  border-color: rgba(255,255,255,.8) !important;
}

/* ════════════════════════════════════
   FOOTER
════════════════════════════════════ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.62);
  padding: 60px 0 28px;
  border-top: 4px solid var(--gold);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 56px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,.10);
  margin-bottom: 28px;
}
.footer-brand {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 14px;
}
.footer-tagline {
  font-size: 16px;
  line-height: 1.65;
  color: rgba(255,255,255,.45);
  margin-bottom: 24px;
  max-width: 300px;
}
.footer-phone-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,.08);
  border: 2px solid rgba(255,255,255,.18);
  border-radius: var(--radius);
  padding: 13px 22px;
  color: var(--white) !important;
  font-weight: 700;
  font-size: 18px;
  transition: background var(--t);
}
.footer-phone-link:hover { background: rgba(255,255,255,.14) !important; }

.footer-col h4 {
  color: var(--white);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.footer-col ul li a {
  color: rgba(255,255,255,.55);
  font-size: 17px;
  transition: color var(--t);
}
.footer-col ul li a:hover { color: var(--gold-bright); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-disclaimer {
  font-size: 13px;
  line-height: 1.6;
  color: rgba(255,255,255,.28);
  max-width: 680px;
}
.footer-legal { font-size: 14px; color: rgba(255,255,255,.4); }
.footer-legal a { color: rgba(255,255,255,.5); transition: color var(--t); }
.footer-legal a:hover { color: var(--gold-bright); }

/* ════════════════════════════════════
   MODAL
════════════════════════════════════ */
.modal-content {
  border: none;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 24px 80px rgba(10,28,53,.30);
}
.modal-header {
  background: var(--navy);
  border-bottom: 4px solid var(--gold);
  padding: 28px 36px;
}
.modal-title {
  font-family: 'Playfair Display', serif;
  color: var(--white);
  font-size: 1.8rem;
  font-weight: 700;
}
.modal-header .btn-close { filter: invert(1) opacity(.7); }
.modal-header .btn-close:hover { opacity: 1; filter: invert(1); }
.modal-body { padding: 32px 36px; background: var(--cream); }
#loading { text-align: center; padding: 48px; color: var(--ink-soft); font-size: 18px; }
.loading-spinner {
  width: 44px; height: 44px;
  border: 3px solid var(--border);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin .8s linear infinite;
  margin: 0 auto 18px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ════════════════════════════════════
   FAQ
════════════════════════════════════ */
.faq-item {
  border: 2px solid var(--border);
  border-left: 5px solid var(--navy);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-btn {
  width: 100%;
  background: var(--white);
  border: none;
  padding: 22px 28px;
  text-align: left;
  font-family: 'Inter', sans-serif;
  font-size: 19px;
  font-weight: 700;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  transition: background var(--t);
}
.faq-btn:hover { background: var(--gold-pale); }
.faq-btn .chevron { flex-shrink: 0; color: var(--gold); transition: transform var(--t); }
.faq-btn[aria-expanded="true"] { background: var(--gold-pale); }
.faq-btn[aria-expanded="true"] .chevron { transform: rotate(180deg); }
.faq-body {
  padding: 4px 28px 24px;
  background: var(--gold-pale);
  font-size: 18px;
  color: var(--ink-mid);
  line-height: 1.72;
}

/* ════════════════════════════════════
   HIGHLIGHT / CALLOUT BOX
════════════════════════════════════ */
.highlight-box {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 24px 30px;
  margin: 28px 0;
}
.highlight-box p {
  margin: 0;
  font-size: 18px;
  color: rgba(255,255,255,.88);
  font-weight: 600;
  line-height: 1.6;
}

/* ════════════════════════════════════
   RESPONSIVE
════════════════════════════════════ */
@media (max-width: 992px) {
  .hero-grid         { grid-template-columns: 1fr; gap: 48px; }
  .hero-image-wrap   { justify-content: center; }
  .hero-image-wrap img { max-width: 100%; height: 340px; }
  .footer-grid       { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  body               { font-size: 18px; }
  .container         { padding: 0 24px; }
  .content-card      { padding: 40px 28px; margin: -32px 16px 48px; }
  .cta-section       { padding: 48px 28px; }
  .footer-grid       { grid-template-columns: 1fr; gap: 36px; }
  .section-wrap      { padding: 56px 0; }
  .page-hero         { padding: 56px 0 80px; }
  .topbar .container { flex-direction: column; gap: 4px; text-align: center; }
  .navbar .container { height: 80px; }
  .navbar-brand img  { height: 52px; }
  .hero-content      { padding: 52px 0 32px; }
}

@media (max-width: 576px) {
  .hero h1           { font-size: 2.6rem; }
  .hero p            { font-size: 18px; }
  .hero-actions      { flex-direction: column; align-items: flex-start; }
  .cta-section .btn-group { flex-direction: column; align-items: center; }
  .trust-items       { justify-content: flex-start; }
  .trust-item        { border-right: none; padding: 8px 0; font-size: 16px; }
  .cards-grid        { grid-template-columns: 1fr; }
  .btn-primary, .btn-outline { padding: 16px 30px; font-size: 17px; }
  .section-header h2 { font-size: 2.2rem; }
}

/* ════════════════════════════════════
   UTILITIES
════════════════════════════════════ */
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.sr-only   { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }