/* ==========================================================================
   Allison Agency — one-page site
   Palette: brand navy (#011F54, sampled from the Allison Agency logo) over a
            near-black navy ground, cool ice greys, brass accent for CTAs
   ========================================================================== */

:root{
  --navy-950:#00040C;
  --navy-900:#010715;
  --navy-800:#020D22;
  --navy-700:#011F54;   /* brand core — surfaces, gradients, badges */
  --navy-600:#0A2E6B;
  --ice-050:#F7F9FC;
  --ice-100:#EDF1F8;
  --ice-200:#DCE4F0;
  --slate-500:#64748F;
  --slate-700:#33445F;
  --blue:#2A5CB8;
  --blue-soft:#93B7EC;
  --brass:#D9A441;
  --brass-dark:#B7862C;      /* borders/decoration on light grounds only */
  --brass-text:#8A6118;      /* brass for TEXT on light grounds — 5.2:1 on ice-050 */
  --white:#FFFFFF;

  --ff-display:"Fraunces",Georgia,"Times New Roman",serif;
  --ff-body:"Manrope","Helvetica Neue",Arial,sans-serif;

  --maxw:1180px;
  --radius:14px;
  --radius-sm:9px;
  --shadow-lg:0 30px 70px -30px rgba(0,4,12,.66);
  --shadow-md:0 14px 34px -18px rgba(0,4,12,.50);
  --ease:cubic-bezier(.22,.75,.28,1);
}

*,*::before,*::after{box-sizing:border-box;}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px;border-radius:3px;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{
  margin:0;
  font-family:var(--ff-body);
  font-size:17px;
  line-height:1.65;
  color:var(--navy-800);
  background:var(--ice-050);
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;}
a{color:inherit;}

.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:26px;}
.wrap--narrow{max-width:820px;}

.skip{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--brass);color:var(--navy-900);padding:12px 20px;font-weight:700;
}
.skip:focus{left:12px;top:12px;}

/* ---------------------------------------------------------- typography --- */
h1,h2,h3,h4{font-family:var(--ff-display);font-weight:400;letter-spacing:-.015em;margin:0;}
h1{
  font-size:clamp(2.4rem,5vw,3.15rem);
  line-height:1.06;
  color:var(--white);
  font-variation-settings:"SOFT" 30,"WONK" 1;
}
.h1__kicker{
  display:block;font-size:.5em;line-height:1.3;color:#BFCEE6;
  margin-bottom:14px;letter-spacing:0;
}
h1 em{
  font-style:italic;
  color:var(--blue-soft);
  font-variation-settings:"SOFT" 60,"WONK" 1;
}
.h2{font-size:clamp(2rem,3.7vw,2.9rem);line-height:1.1;}
.h2--light{color:var(--white);}

.eyebrow{
  font-family:var(--ff-body);
  font-size:.72rem;font-weight:700;letter-spacing:.19em;text-transform:uppercase;
  color:var(--blue-soft);margin:0 0 18px;
}
.eyebrow--dark{color:var(--brass-text);}

.lede{font-size:1.14rem;color:#BFCEE6;max-width:34em;margin:22px 0 0;}
.sec__sub{color:var(--slate-700);max-width:44ch;margin:16px 0 0;}

/* --------------------------------------------------------------- buttons --- */
.btn{
  --bg:var(--brass);--fg:var(--navy-900);
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  background:var(--bg);color:var(--fg);
  font-family:var(--ff-body);font-weight:700;font-size:.95rem;letter-spacing:.005em;
  padding:14px 26px;border:1px solid transparent;border-radius:100px;
  text-decoration:none;cursor:pointer;white-space:nowrap;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .2s,color .2s;
  box-shadow:0 10px 26px -14px rgba(217,164,65,.9);
}
.btn:hover{transform:translateY(-2px);box-shadow:0 16px 32px -14px rgba(217,164,65,.95);}
.btn:active{transform:translateY(0);}
.btn--lg{padding:17px 34px;font-size:1rem;}
.btn--sm{padding:10px 20px;font-size:.86rem;}
.btn--full{width:100%;padding:16px 24px;}
.btn--ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,.32);box-shadow:none;}
.btn--ghost:hover{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.6);box-shadow:none;}
.btn--ghost-dark{background:transparent;color:var(--navy-800);border-color:var(--ice-200);box-shadow:none;margin-top:18px;}
.btn--ghost-dark:hover{background:var(--navy-800);color:var(--white);border-color:var(--navy-800);box-shadow:none;}

.linkish{color:#A3B5D2;text-decoration:none;font-size:.93rem;border-bottom:1px solid rgba(163,181,210,.35);padding-bottom:2px;}
.linkish:hover{color:var(--white);border-color:var(--white);}

/* -------------------------------------------------------------------- nav --- */
.nav{
  position:sticky;top:0;z-index:60;
  background:rgba(2,13,34,.88);
  backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(255,255,255,.07);
}
.nav__inner{display:flex;align-items:center;gap:28px;min-height:72px;}
.brand{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--white);}
.brand__mark{width:34px;height:28px;flex:none;object-fit:contain;}
.brand__text{
  font-family:var(--ff-display);font-size:1.06rem;line-height:1.05;letter-spacing:-.01em;
  display:flex;flex-direction:column;
}
.brand__text em{
  font-style:normal;font-family:var(--ff-body);
  font-size:.56rem;letter-spacing:.28em;text-transform:uppercase;
  color:var(--blue-soft);margin-top:3px;
}
.nav__links{display:flex;gap:28px;margin-left:auto;}
.nav__links a{
  color:#C6D3E8;text-decoration:none;font-size:.93rem;font-weight:500;
  padding-bottom:3px;border-bottom:1px solid transparent;transition:color .2s,border-color .2s;
}
.nav__links a:hover{color:var(--white);border-color:var(--brass);}
.nav__cta{display:flex;align-items:center;gap:16px;margin-left:8px;}
.tel{
  display:inline-flex;align-items:center;gap:7px;color:var(--white);
  text-decoration:none;font-weight:600;font-size:.93rem;font-variant-numeric:tabular-nums;
}
.tel:hover{color:var(--brass);}

/* ------------------------------------------------------------------- hero --- */
.hero{
  position:relative;overflow:hidden;
  background:var(--navy-800);
  padding:clamp(60px,8vw,104px) 0 0;
}
.hero__aurora{
  position:absolute;inset:-30% -10% auto -10%;height:120%;
  background:
    radial-gradient(52% 46% at 18% 22%,rgba(42,92,184,.46),transparent 62%),
    radial-gradient(46% 42% at 78% 12%,rgba(147,183,236,.22),transparent 64%),
    radial-gradient(40% 40% at 62% 72%,rgba(217,164,65,.15),transparent 66%);
  filter:blur(14px);
  animation:drift 22s ease-in-out infinite alternate;
  pointer-events:none;
}
.hero__aurora--soft{opacity:.65;}
@keyframes drift{
  from{transform:translate3d(-2%,0,0) scale(1);}
  to{transform:translate3d(3%,-3%,0) scale(1.08);}
}
.hero__grain{
  position:absolute;inset:0;pointer-events:none;opacity:.32;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='.5'/%3E%3C/svg%3E");
}
.hero__inner{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(34px,5vw,64px);
  align-items:start;padding-bottom:clamp(56px,7vw,88px);
}
.hero__copy{padding-top:14px;}
.hero__actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px 20px;margin-top:34px;}
.hero__marks{
  list-style:none;display:flex;flex-wrap:wrap;gap:10px 26px;
  margin:38px 0 0;padding:0;color:#AFC0DC;font-size:.9rem;
}
.hero__marks li{display:flex;align-items:center;gap:9px;}
.hero__marks li::before{
  content:"";width:6px;height:6px;border-radius:50%;
  background:var(--blue);box-shadow:0 0 0 4px rgba(42,92,184,.20);
}

/* quote card */
.card{
  background:var(--white);
  border-radius:var(--radius);
  box-shadow:var(--shadow-lg);
  overflow:hidden;
  border:1px solid rgba(255,255,255,.5);
}
.card__top{
  background:linear-gradient(160deg,var(--navy-700),var(--navy-600));
  color:var(--white);padding:26px 28px 22px;
  border-bottom:3px solid var(--brass);
}
.card__top h2{font-size:1.5rem;line-height:1.2;}
.card__top p{margin:8px 0 0;font-size:.9rem;color:#B4C4E0;}
.form{padding:24px 28px 28px;}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
.field{margin-bottom:14px;display:flex;flex-direction:column;}
.field label{
  font-size:.73rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  color:var(--slate-500);margin-bottom:6px;
}
.field input,.field select{
  font-family:var(--ff-body);font-size:.97rem;color:var(--navy-800);
  padding:12px 13px;border:1px solid var(--ice-200);border-radius:var(--radius-sm);
  background:var(--ice-050);width:100%;
  transition:border-color .18s,box-shadow .18s,background .18s;
}
.field input::placeholder{color:#5E7190;}
.field input:focus,.field select:focus{
  outline:none;background:var(--white);
  border-color:var(--blue);box-shadow:0 0 0 3px rgba(42,92,184,.18);
}
.field input:user-invalid{border-color:#C2554B;box-shadow:0 0 0 3px rgba(194,85,75,.13);}
.form__note{font-size:.76rem;color:var(--slate-500);margin:14px 0 0;line-height:1.5;}
.form__ok{
  margin:14px 0 0;padding:12px 14px;border-radius:var(--radius-sm);
  background:rgba(42,92,184,.10);border:1px solid rgba(42,92,184,.32);
  color:#1B3F80;font-size:.88rem;font-weight:600;
}

/* ticker */
.ticker{
  position:relative;z-index:2;overflow:hidden;
  border-top:1px solid rgba(255,255,255,.08);
  border-bottom:1px solid rgba(255,255,255,.08);
  background:rgba(0,4,12,.58);
  padding:13px 0;
}
.ticker__row{
  display:flex;gap:26px;align-items:center;width:max-content;
  animation:slide 34s linear infinite;
}
.ticker__row span{
  font-family:var(--ff-display);font-size:.98rem;color:#94A7C6;letter-spacing:.02em;white-space:nowrap;
}
.ticker__row i{color:var(--brass);font-style:normal;font-size:.7rem;}
@keyframes slide{from{transform:translateX(0);}to{transform:translateX(-50%);}}

/* --------------------------------------------------------------- sections --- */
.sec{padding:clamp(66px,9vw,112px) 0;}
.sec--light{background:var(--ice-050);}
.sec--dark{background:var(--navy-800);color:#C9D6EA;position:relative;overflow:hidden;}
.sec--dark .sec__sub{color:#AFC0DC;}
.sec__head{margin-bottom:clamp(38px,5vw,58px);}
.sec__head--center{text-align:center;}
.sec__head--center .sec__sub{margin-inline:auto;}

/* coverage tiles */
.grid{display:grid;gap:20px;}
.grid--3{grid-template-columns:repeat(3,1fr);}
.tile{
  background:var(--white);border:1px solid var(--ice-200);border-radius:var(--radius);
  padding:30px 26px 26px;position:relative;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s;
}
.tile:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:var(--blue-soft);}
.tile__num{
  font-family:var(--ff-display);font-size:.8rem;letter-spacing:.16em;
  color:var(--brass-text);display:block;margin-bottom:14px;
}
.tile h3{font-size:1.32rem;margin-bottom:10px;}
.tile p{font-size:.94rem;color:var(--slate-700);margin:0;}
.tick{list-style:none;margin:18px 0 0;padding:0;border-top:1px solid var(--ice-200);padding-top:14px;}
.tick li{
  font-size:.85rem;color:var(--slate-500);font-weight:600;
  display:flex;align-items:center;gap:8px;padding:3px 0;
}
.tick li::before{content:"\2713";color:var(--blue);font-weight:700;}

/* steps */
.steps{
  list-style:none;margin:0;padding:0;
  display:grid;grid-template-columns:repeat(3,1fr);gap:26px;
}
.step{
  border-top:1px solid rgba(255,255,255,.14);padding-top:24px;position:relative;
}
.step__k{
  font-family:var(--ff-display);font-size:2.5rem;line-height:1;color:var(--brass);
  margin-bottom:14px;font-variation-settings:"SOFT" 40,"WONK" 1;
}
.step h3{color:var(--white);font-size:1.28rem;margin-bottom:10px;}
.step p{font-size:.95rem;color:#AFC0DC;margin:0;}

.cta-strip{
  margin-top:clamp(44px,6vw,66px);
  display:flex;flex-wrap:wrap;align-items:center;gap:20px;
  padding:26px 30px;border-radius:var(--radius);
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.10);
}
.cta-strip p{
  margin:0;font-family:var(--ff-display);font-size:1.4rem;color:var(--white);
  margin-right:auto;
}

/* why */
.why{display:grid;grid-template-columns:1.25fr .75fr;gap:clamp(32px,5vw,64px);align-items:start;}
.whylist{margin:36px 0 0;display:grid;gap:2px;}
.whylist div{
  padding:20px 0;border-top:1px solid var(--ice-200);
}
.whylist div:last-child{border-bottom:1px solid var(--ice-200);}
.whylist dt{
  font-family:var(--ff-display);font-size:1.16rem;color:var(--navy-800);margin-bottom:5px;
}
.whylist dd{margin:0;font-size:.94rem;color:var(--slate-700);max-width:60ch;}

.why__panel{
  background:var(--white);border:1px solid var(--ice-200);border-radius:var(--radius);
  padding:28px;box-shadow:var(--shadow-md);position:sticky;top:96px;
}
.why__panel h3{font-size:1.25rem;margin-bottom:16px;}
.states{list-style:none;margin:0;padding:0;display:grid;gap:6px;
  grid-template-columns:repeat(auto-fill,minmax(148px,1fr));}
.states li{
  display:flex;align-items:center;gap:12px;
  font-size:.89rem;color:var(--slate-700);
  padding:8px 10px;border-radius:var(--radius-sm);background:var(--ice-050);
}
.states a{color:inherit;text-decoration:none;border-bottom:1px solid transparent;transition:color .2s,border-color .2s;}
.states a:hover{color:var(--navy-700);border-color:var(--navy-700);}
.states span{
  font-family:var(--ff-display);font-weight:600;font-size:.78rem;letter-spacing:.06em;
  background:var(--navy-800);color:var(--white);
  width:32px;height:23px;display:grid;place-items:center;border-radius:5px;flex:none;
}
.why__panelnote{font-size:.83rem;color:var(--slate-500);margin:16px 0 0;}

/* meet the agent */
.agent{
  position:relative;overflow:hidden;
  background:var(--navy-900);color:#C9D6EA;
  padding:clamp(66px,9vw,110px) 0;
  border-top:1px solid rgba(255,255,255,.06);
}
.agent__glow{
  position:absolute;inset:auto -20% -40% -20%;height:90%;
  background:
    radial-gradient(44% 60% at 26% 60%,rgba(42,92,184,.26),transparent 66%),
    radial-gradient(38% 52% at 74% 40%,rgba(217,164,65,.13),transparent 68%);
  filter:blur(10px);pointer-events:none;
}
.agent__inner{
  position:relative;z-index:2;
  display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);
  gap:clamp(36px,6vw,78px);align-items:center;
}

/* portrait with offset brass rule */
.portrait{margin:0;position:relative;max-width:390px;}
.portrait::before{
  content:"";position:absolute;inset:20px -18px -18px 20px;
  border:1px solid var(--brass);border-radius:var(--radius);
  opacity:.55;pointer-events:none;
}
.portrait__frame{
  position:relative;border-radius:var(--radius);overflow:hidden;
  background:var(--navy-700);
  box-shadow:0 40px 80px -34px rgba(0,0,0,.85);
  aspect-ratio:4/5;
}
.portrait__frame::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(178deg,transparent 52%,rgba(0,4,12,.84) 100%);
}
.portrait__frame img{
  width:100%;height:100%;object-fit:cover;object-position:50% 50%;
  display:block;filter:saturate(1.02) contrast(1.03);
  transition:transform 1.1s var(--ease);
}
.portrait:hover .portrait__frame img{transform:scale(1.035);}
.portrait__badge{
  position:absolute;right:-18px;bottom:26px;z-index:3;
  display:flex;align-items:center;gap:11px;
  background:var(--white);color:var(--navy-800);
  padding:11px 16px 11px 12px;border-radius:10px;
  box-shadow:0 18px 40px -18px rgba(0,0,0,.75);
  font-size:.74rem;line-height:1.25;font-weight:600;letter-spacing:.02em;
}
.portrait__badge-k{
  font-family:var(--ff-display);font-size:.82rem;font-weight:600;letter-spacing:.06em;
  background:var(--navy-800);color:var(--white);
  width:36px;height:26px;display:grid;place-items:center;border-radius:5px;flex:none;
}

.agent__copy{min-width:0;}
.agent__role{
  font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;
  color:var(--brass);margin:12px 0 0;font-weight:700;
}
.agent__quote{
  margin:28px 0 0;padding:0 0 0 22px;border-left:2px solid rgba(217,164,65,.5);
}
.agent__quote p{
  font-family:var(--ff-display);font-style:italic;font-weight:300;
  font-size:clamp(1.22rem,2.1vw,1.6rem);line-height:1.4;color:var(--white);margin:0;
  font-variation-settings:"SOFT" 50,"WONK" 1;
}
.agent__bio{font-size:1rem;color:#AFC0DC;margin:26px 0 0;max-width:52ch;}
.agent__facts{
  list-style:none;margin:28px 0 0;padding:0;display:grid;gap:1px;
}
.agent__facts li{
  display:flex;flex-wrap:wrap;gap:6px 14px;align-items:baseline;
  padding:13px 0;border-top:1px solid rgba(255,255,255,.10);
  font-size:.93rem;color:#BFCEE6;
}
.agent__facts li:last-child{border-bottom:1px solid rgba(255,255,255,.10);}
.agent__facts strong{
  font-family:var(--ff-body);font-size:.7rem;font-weight:700;letter-spacing:.17em;
  text-transform:uppercase;color:var(--blue-soft);min-width:80px;
}
.agent__actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px;margin-top:32px;}

/* faq */
.faq{border-top:1px solid var(--ice-200);}
.faq details{border-bottom:1px solid var(--ice-200);}
.faq summary{
  cursor:pointer;list-style:none;
  font-family:var(--ff-display);font-size:1.14rem;color:var(--navy-800);
  padding:22px 44px 22px 0;position:relative;
  transition:color .2s;
}
.faq summary::-webkit-details-marker{display:none;}
.faq summary:hover{color:var(--blue);}
.faq summary::after{
  content:"";position:absolute;right:8px;top:50%;
  width:11px;height:11px;margin-top:-7px;
  border-right:2px solid var(--brass);border-bottom:2px solid var(--brass);
  transform:rotate(45deg);transition:transform .28s var(--ease);
}
.faq details[open] summary::after{transform:rotate(-135deg);margin-top:-2px;}
.faq__body{padding:0 40px 24px 0;}
.faq__body p{max-width:68ch;}
.faq__body p{margin:0;color:var(--slate-700);font-size:.97rem;}

/* final cta */
.final{text-align:center;}
.final__inner{position:relative;z-index:2;}
.final p{color:#AFC0DC;margin:18px 0 0;}
.final .hero__actions{justify-content:center;margin-top:32px;}

/* footer */
.foot{background:var(--navy-900);color:#A3B5D2;padding:clamp(48px,6vw,68px) 0 30px;}
.foot__inner{display:grid;grid-template-columns:1.6fr 1fr 1.15fr;gap:34px;}
.foot__states{display:grid;grid-template-columns:1fr 1fr;column-gap:18px;}
.foot__brand p{font-size:.9rem;margin:16px 0 0;max-width:34ch;}
.foot__npn{
  font-size:.8rem;letter-spacing:.02em;color:#94A7C6;
  margin-top:14px !important;max-width:none !important;
}
.foot__npn strong{color:#BFCEE6;font-weight:700;font-variant-numeric:tabular-nums;}
.foot__tagline{
  font-family:var(--ff-display);font-style:italic;color:var(--blue-soft);
  font-size:.98rem;margin-top:18px !important;max-width:none !important;
}
.foot__col h4{
  font-family:var(--ff-body);font-size:.72rem;font-weight:700;letter-spacing:.19em;
  text-transform:uppercase;color:var(--blue-soft);margin-bottom:14px;
}
.foot__col a{display:block;text-decoration:none;font-size:.93rem;padding:4px 0;transition:color .2s;}
.foot__col a:hover{color:var(--white);}
.foot__legal{
  margin-top:44px;padding-top:24px;border-top:1px solid rgba(255,255,255,.09);
  display:grid;gap:12px;
}
.foot__legal p{margin:0;font-size:.8rem;}
.disclosure{color:#73849E;font-size:.74rem;line-height:1.7;max-width:75ch;}

/* ---------------------------------------------------------- reveal anim --- */
.rev{opacity:0;transform:translateY(16px);animation:rise .8s var(--ease) forwards;animation-delay:var(--d,0ms);}
@keyframes rise{to{opacity:1;transform:none;}}


/* ==========================================================================
   Added in the SEO / lead-gen build — Leif-led hero, seven product lines,
   Medicare band, sticky mobile call bar, state landing pages
   ========================================================================== */

/* ---- hero byline: Leif, visible in the first second ---------------------- */
.byline{display:flex;align-items:center;gap:17px;margin:0 0 24px;}
.byline__photo{
  width:104px;height:104px;flex:none;border-radius:50%;
  object-fit:cover;object-position:50% 20%;background:var(--navy-700);
  border:2px solid rgba(217,164,65,.55);
  box-shadow:0 16px 38px -18px rgba(0,0,0,.95);
}
.byline__who{min-width:0;}
.byline__name{
  font-family:var(--ff-display);font-size:1.3rem;line-height:1.12;
  color:var(--white);margin:0;letter-spacing:-.01em;
}
.byline__role{
  margin:5px 0 0;font-size:.7rem;font-weight:700;letter-spacing:.17em;
  text-transform:uppercase;color:var(--brass);
}
.byline__meta{margin:7px 0 0;font-size:.86rem;color:#AFC0DC;}

/* ---- product grid: seven lines, auto-fitting ---------------------------- */
.grid--products{grid-template-columns:repeat(3,1fr);}
.tile__tag{
  position:absolute;top:26px;right:24px;
  font-family:var(--ff-body);font-size:.62rem;font-weight:700;letter-spacing:.14em;
  text-transform:uppercase;color:var(--brass-text);
  border:1px solid rgba(183,134,44,.45);border-radius:100px;padding:3px 9px;
}

/* ---- Medicare / Medicaid band (own treatment, own disclosure) ----------- */
.medicare{
  margin-top:22px;display:grid;grid-template-columns:1.1fr .9fr;
  gap:clamp(24px,4vw,48px);align-items:start;
  background:linear-gradient(158deg,var(--navy-700),var(--navy-800));
  color:#C9D6EA;border:1px solid rgba(255,255,255,.09);
  border-radius:var(--radius);padding:clamp(28px,4vw,44px);
  box-shadow:var(--shadow-md);
}
.medicare h3{color:var(--white);font-size:clamp(1.4rem,2.4vw,1.75rem);margin-bottom:12px;}
.medicare p{font-size:.95rem;margin:0 0 14px;}
.medicare p:last-of-type{margin-bottom:0;}
.medicare .tick{border-top-color:rgba(255,255,255,.14);}
.medicare .tick li{color:#BFCEE6;}
.medicare .tick li::before{color:var(--brass);}
.medicare .tile__num{color:var(--brass);}
.medicare__side{border-left:1px solid rgba(255,255,255,.12);padding-left:clamp(20px,3vw,34px);}
.tpmo{
  font-size:.76rem;line-height:1.6;color:#94A7C6;margin:0;
}
.tpmo strong{color:#BFCEE6;font-weight:700;}

/* ---- sticky call/quote bar on phones ------------------------------------ */
.mobilebar{display:none;}

/* ---- state landing pages ------------------------------------------------ */
.statehero{
  position:relative;overflow:hidden;background:var(--navy-800);
  padding:clamp(46px,6vw,84px) 0 clamp(38px,5vw,62px);
}
.statehero__inner{
  position:relative;z-index:2;
  display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,5vw,60px);align-items:start;
}
.statehero h1{font-size:clamp(2.05rem,4.2vw,2.95rem);}
.crumb{font-size:.8rem;color:#94A7C6;margin:0 0 16px;}
.crumb a{color:var(--blue-soft);text-decoration:none;}
.crumb a:hover{color:var(--white);text-decoration:underline;}
.metros{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:24px 0 0;padding:0;}
.metros li{
  font-size:.83rem;color:#BFCEE6;background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.10);padding:6px 13px;border-radius:100px;
}
.statelist{list-style:none;margin:0;padding:0;display:grid;gap:14px;}
.statelist li{padding:16px 0;border-top:1px solid var(--ice-200);}
.statelist li:last-child{border-bottom:1px solid var(--ice-200);}
.statelist h3{font-size:1.1rem;margin-bottom:5px;}
.statelist p{margin:0;font-size:.92rem;color:var(--slate-700);}
.crosslinks{display:flex;flex-wrap:wrap;gap:9px;margin:26px 0 0;padding:0;list-style:none;}
.crosslinks a{
  display:inline-block;font-size:.88rem;text-decoration:none;color:var(--slate-700);
  border:1px solid var(--ice-200);background:var(--white);
  padding:8px 15px;border-radius:100px;
  transition:border-color .2s,color .2s,background .2s;
}
.crosslinks a:hover{border-color:var(--navy-700);color:var(--navy-700);background:var(--ice-050);}
.crosslinks a[aria-current]{background:var(--navy-700);color:var(--white);border-color:var(--navy-700);}

/* long-form paragraphs on dark grounds (state pages) */
.prose{font-size:1.04rem;line-height:1.7;color:#BFCEE6;max-width:62ch;margin:0;}
.prose + .prose{margin-top:20px;}

/* section on a light ground that still needs the dark card treatment */
.sec--light .medicare{box-shadow:var(--shadow-lg);}

/* ------------------------------------------------------------ responsive --- */
@media (max-width:1000px){
  .hero__inner{grid-template-columns:1fr;}
  .hero__card{max-width:560px;}
  .grid--3{grid-template-columns:repeat(2,1fr);}
  .steps{grid-template-columns:1fr;gap:8px;}
  .why{grid-template-columns:1fr;}
  .why__panel{position:static;}
  .agent__inner{grid-template-columns:1fr;justify-items:start;}
  .grid--products{grid-template-columns:repeat(2,1fr);}
  .medicare{grid-template-columns:1fr;}
  .medicare__side{border-left:0;border-top:1px solid rgba(255,255,255,.12);padding-left:0;padding-top:22px;}
  .statehero__inner{grid-template-columns:1fr;}
  .portrait{max-width:330px;}
  .nav__links{display:none;}
  .foot__inner{grid-template-columns:1fr 1fr;}
}
@media (max-width:620px){
  body{font-size:16px;}
  .wrap{padding-inline:18px;}
  .grid--3{grid-template-columns:1fr;}
  .row{grid-template-columns:1fr;gap:0;}
  .nav__inner{min-height:64px;gap:12px;}
  .tel{display:none;}
  .nav__cta{margin-left:auto;}
  .hero__actions .btn{flex:1 1 100%;}
  .cta-strip{flex-direction:column;align-items:flex-start;}
  .portrait{max-width:100%;width:100%;}
  .portrait::before{inset:16px -10px -10px 16px;}
  .portrait__badge{right:auto;left:14px;bottom:14px;}
  .agent__facts strong{min-width:100%;}
  .agent__actions .btn{width:100%;}
  .foot__inner{grid-template-columns:1fr;gap:28px;}
  .grid--products{grid-template-columns:1fr;}
  .byline{gap:14px;}
  .byline__photo{width:82px;height:82px;}
  .byline__name{font-size:1.14rem;}

  /* always-visible call + quote bar */
  .mobilebar{
    display:grid;grid-template-columns:1fr 1fr;gap:10px;
    position:fixed;left:0;right:0;bottom:0;z-index:80;
    padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));
    background:rgba(2,13,34,.95);
    backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
    border-top:1px solid rgba(255,255,255,.10);
  }
  .mobilebar .btn{width:100%;padding:13px 8px;font-size:.9rem;}
  body{padding-bottom:76px;}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;}
  html{scroll-behavior:auto;}
  .rev{opacity:1;transform:none;}
}

@media print{
  .nav,.ticker,.hero__aurora,.hero__grain,.mobilebar{display:none;}
  body{background:#fff;color:#000;}
}