/* ============================================================
   TopInsuranceOffer.pro — Shared design system
   Brand: navy / bright-blue / yellow
   Audience: Medicare (65+). Priorities: trust, legibility,
   high contrast, large tap targets, click-to-call.
   Fonts: Source Serif 4 + Public Sans
   ============================================================ */

:root {
  --navy:        #0B2A4A;
  --navy-900:    #07203A;
  --blue:        #1466B8;
  --blue-bright: #2E8BE6;
  --yellow:      #F4B400;
  --yellow-dark: #C98A00;
  --ink:         #16243B;
  --muted:       #46566E;
  --bg:          #FFFFFF;
  --bg-soft:     #F1F6FC;
  --bg-navy-soft:#0B2A4A;
  --border:      #D7E2F0;

  --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body:    "Public Sans", system-ui, -apple-system, Segoe UI, sans-serif;

  --maxw: 1120px;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11,42,74,.10);
  --shadow-sm: 0 4px 14px rgba(11,42,74,.08);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  display: block;
}

a { color: var(--blue); }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--navy);
  line-height: 1.18;
  margin: 0 0 .5em;
  font-weight: 600;
}

h1 {
  font-size: clamp(2.1rem, 4.6vw, 3.4rem);
  letter-spacing: -.01em;
}

h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }

h3 { font-size: 1.3rem; }

p { margin: 0 0 1em; }

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 72px 0; }

.section-soft { background: var(--bg-soft); }

.section-navy {
  background: var(--navy);
  color: #EAF2FB;
}

.section-navy h1,
.section-navy h2,
.section-navy h3 {
  color: #fff;
}

.center { text-align: center; }

.lede {
  font-size: 1.2rem;
  color: var(--muted);
  max-width: 760px;
}

.center .lede {
  margin-left: auto;
  margin-right: auto;
}

.eyebrow {
  font-family: var(--font-body);
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  font-size: .8rem;
  margin-bottom: .6rem;
}

/* ---------- Top utility bar ---------- */

.topbar {
  background: var(--navy-900);
  color: #DCEBFA;
  font-size: .98rem;
}

.topbar .container {
  max-width: 1320px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 24px;
  align-items: center;
  justify-content: space-between;
  padding-top: 10px;
  padding-bottom: 10px;
}

.topbar .agent {
  font-weight: 600;
}

.topbar .hours {
  color: #AFC8E2;
}

.topbar a.phone {
  color: #fff;
  font-weight: 800;
  text-decoration: none;
  font-size: 1.12rem;
  white-space: nowrap;
}

.topbar a.phone:hover {
  color: var(--yellow);
}

/* ---------- Header / nav ---------- */

.site-head {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}

.site-head .container {
  max-width: 1320px;
  display: grid;
  grid-template-columns: auto 1fr;
  align-items: center;
  column-gap: 42px;
  padding-top: 14px;
  padding-bottom: 14px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  min-width: 0;
}

.brand-logo {
  display: block;
  width: auto;
  max-width: 86px;
  max-height: 58px;
  object-fit: contain;
  flex: 0 0 auto;
}

.brand .logo-mark {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--blue), var(--navy));
  display: grid;
  place-items: center;
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.25rem;
}

.brand .logo-text {
  display: flex;
  flex-direction: column;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--navy);
  font-size: 1.1rem;
  line-height: 1.05;
  white-space: nowrap;
}

.brand .logo-text small {
  display: block;
  margin-top: 4px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.66rem;
  letter-spacing: .05em;
  color: var(--muted);
  text-transform: uppercase;
  white-space: normal;
  max-width: 230px;
}

.nav-links {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  gap: 26px;
  white-space: nowrap;
}

.nav-links a {
  color: var(--ink);
  text-decoration: none;
  font-weight: 600;
  font-size: 1rem;
  line-height: 1.2;
  white-space: nowrap;
}

.nav-links a:hover {
  color: var(--blue);
}

.nav-links .btn-call {
  margin-left: auto;
  min-width: 190px;
  white-space: nowrap;
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 1.05rem;
  line-height: 1;
  padding: 16px 26px;
  border-radius: 999px;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease, background .15s ease;
  min-height: 52px;
}

.btn:focus-visible {
  outline: 3px solid var(--blue-bright);
  outline-offset: 3px;
}

.btn-call {
  background: var(--yellow);
  color: var(--navy-900);
  box-shadow: 0 6px 18px rgba(244,180,0,.35);
}

.btn-call:hover {
  background: var(--yellow-dark);
  transform: translateY(-2px);
}

.btn-primary {
  background: var(--blue);
  color: #fff;
}

.btn-primary:hover {
  background: #0F559C;
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: #fff;
}

.btn-lg {
  font-size: 1.18rem;
  padding: 19px 34px;
  min-height: 60px;
}

.btn .ico {
  font-size: 1.2em;
}

/* ---------- Hero ---------- */

.hero {
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(46,139,230,.16), transparent 60%),
    linear-gradient(180deg, #FFFFFF 0%, var(--bg-soft) 100%);
  padding: 64px 0 76px;
}

.hero .pretitle {
  font-weight: 600;
  color: var(--blue);
  font-size: 1.12rem;
  margin-bottom: 14px;
}

.hero h1 {
  max-width: 16ch;
}

.hero p.sub {
  font-size: 1.25rem;
  color: var(--muted);
  max-width: 54ch;
}

.hero .cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 28px;
}

/* ---------- Plan cards ---------- */

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 24px;
  margin-top: 36px;
}

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 28px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.card .tag {
  font-family: var(--font-body);
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--blue);
  font-size: .82rem;
  margin-bottom: 10px;
}

.card h3 {
  font-size: 1.35rem;
}

.card p {
  color: var(--muted);
  flex: 1;
}

.card .btn {
  margin-top: 18px;
  align-self: flex-start;
}

.card-top-accent {
  border-top: 5px solid var(--yellow);
}

/* ---------- Steps ---------- */

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 22px;
  margin-top: 36px;
  counter-reset: step;
}

.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  position: relative;
}

.step .num {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 2.6rem;
  color: var(--yellow);
  line-height: 1;
}

.step h3 {
  margin-top: 6px;
  font-size: 1.18rem;
}

.step p {
  color: var(--muted);
  margin: 0;
}

/* ---------- Why / checklist ---------- */

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  margin-top: 30px;
}

.why-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  font-size: 1.1rem;
}

.why-item .check {
  flex: none;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: rgba(20,102,184,.12);
  color: var(--blue);
  display: grid;
  place-items: center;
  font-weight: 800;
}

.benefits {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: grid;
  gap: 14px;
  max-width: 720px;
}

.benefits li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.benefits li::before {
  content: "✓";
  flex: none;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--yellow);
  color: var(--navy-900);
  font-weight: 800;
  display: grid;
  place-items: center;
}

/* ---------- Help / call band ---------- */

.help-band {
  background: var(--navy);
  color: #EAF2FB;
  border-radius: 18px;
  padding: 44px 40px;
  margin-top: 8px;
}

.help-band h2 {
  color: #fff;
}

.help-band .benefits li {
  color: #EAF2FB;
}

/* ---------- Split content blocks ---------- */

.split {
  display: grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 44px;
  align-items: center;
}

.split.alt {
  grid-template-columns: .8fr 1.2fr;
}

.callout-card {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-left: 6px solid var(--blue);
  border-radius: 12px;
  padding: 26px;
}

/* ---------- Tables ---------- */

.table-wrap {
  overflow-x: auto;
  margin: 26px 0 10px;
  border: 1px solid var(--border);
  border-radius: 12px;
}

table.med-table {
  border-collapse: collapse;
  width: 100%;
  min-width: 640px;
  font-size: 1rem;
}

table.med-table caption {
  text-align: left;
  padding: 14px 16px;
  font-weight: 700;
  color: var(--navy);
  background: var(--bg-soft);
}

table.med-table th,
table.med-table td {
  border: 1px solid var(--border);
  padding: 12px 14px;
  text-align: left;
  vertical-align: top;
}

table.med-table thead th {
  background: var(--navy);
  color: #fff;
  font-weight: 700;
}

table.med-table tbody th {
  background: var(--bg-soft);
  font-weight: 600;
}

table.med-table tbody tr:nth-child(even) td {
  background: #FAFCFE;
}

.tbl-note,
.tbl-source {
  font-size: .9rem;
  color: var(--muted);
  margin: 4px 0;
}

/* ---------- FAQ accordion ---------- */

.faq {
  max-width: 880px;
  margin: 30px auto 0;
}

.faq details {
  border: 1px solid var(--border);
  border-radius: 12px;
  margin-bottom: 14px;
  background: #fff;
  overflow: hidden;
}

.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 22px;
  font-weight: 700;
  color: var(--navy);
  font-size: 1.12rem;
  display: flex;
  justify-content: space-between;
  gap: 16px;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  color: var(--blue);
  font-size: 1.5rem;
  line-height: 1;
}

.faq details[open] summary::after {
  content: "–";
}

.faq details[open] summary {
  border-bottom: 1px solid var(--border);
}

.faq .answer {
  padding: 18px 22px;
  color: var(--muted);
}

.faq .answer a {
  color: var(--blue);
}

/* ---------- Sticky mobile call bar ---------- */

.mobile-call {
  display: none;
}

/* ---------- Footer + compliance disclaimers ---------- */

.site-foot {
  background: var(--navy-900);
  color: #C6D8EC;
  padding: 48px 0 36px;
  font-size: .92rem;
}

.site-foot .disclaimers {
  max-width: var(--maxw);
}

.site-foot .disclaimers p {
  color: #AEC5DE;
  font-style: italic;
  margin: 0 0 14px;
  line-height: 1.55;
}

.site-foot .smid {
  font-weight: 700;
  color: #fff;
  letter-spacing: .04em;
  margin: 18px 0;
  font-style: normal;
}

.site-foot .foot-bottom {
  border-top: 1px solid rgba(255,255,255,.14);
  margin-top: 26px;
  padding-top: 22px;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
  align-items: center;
  justify-content: space-between;
}

.site-foot .legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 22px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.site-foot .legal-links a {
  color: #DCEBFA;
  text-decoration: none;
  font-weight: 600;
}

.site-foot .legal-links a:hover {
  color: var(--yellow);
}

.site-foot .copyright {
  color: #9FBAD6;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}

/* ============================================================
   Responsive fixes
   ============================================================ */

@media (max-width: 980px) {
  .site-head .container {
    max-width: var(--maxw);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 18px;
    padding-top: 18px;
    padding-bottom: 18px;
  }

  .brand {
    justify-content: center;
  }

  .nav-links {
    justify-content: center;
    flex-wrap: wrap;
    gap: 14px;
    white-space: normal;
  }

  .nav-links a {
    font-size: 0.95rem;
  }

  .nav-links .btn-call {
    margin-left: 0;
    min-width: 0;
  }
}

@media (max-width: 760px) {
  body {
    padding-bottom: 80px;
  }

  .container {
    padding-left: 22px;
    padding-right: 22px;
  }

  .topbar {
    font-size: 0.9rem;
  }

  .topbar .container {
    display: grid;
    gap: 6px;
    justify-content: start;
    padding-top: 12px;
    padding-bottom: 12px;
  }

  .topbar a.phone {
    font-size: 1.05rem;
  }

  .site-head .container {
    display: flex;
    padding-top: 10px;
    padding-bottom: 10px;
  }

  .brand {
    width: 100%;
    justify-content: flex-start;
    gap: 9px;
  }

  .brand-logo {
    max-width: 56px;
    max-height: 38px;
  }

  .brand .logo-text {
    font-size: 0.92rem;
    line-height: 1;
    white-space: normal;
  }

  .brand .logo-text small {
    display: none;
  }

  .nav-links {
    display: none;
  }

  .hero {
    padding: 52px 0 64px;
  }

  .hero .pretitle {
    font-size: 0.95rem;
    line-height: 1.55;
  }

  .hero p.sub {
    font-size: 1.08rem;
  }

  .hero .cta-row {
    display: grid;
    gap: 12px;
  }

  .hero .cta-row .btn {
    width: 100%;
  }

  .section {
    padding: 52px 0;
  }

  .split,
  .split.alt {
    grid-template-columns: 1fr;
    gap: 26px;
  }

  .help-band {
    padding: 32px 22px;
  }

  .mobile-call {
    display: flex;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 80;
    background: var(--navy-900);
    padding: 10px 14px;
    gap: 10px;
    box-shadow: 0 -6px 18px rgba(0,0,0,.18);
  }

  .mobile-call a {
    flex: 1;
  }
}

@media (max-width: 430px) {
  h1 {
    font-size: clamp(2rem, 12vw, 2.55rem);
  }

  .topbar .agent {
    font-size: 0.86rem;
    line-height: 1.45;
  }

  .topbar a.phone {
    font-size: 1rem;
  }

  .brand-logo {
    max-width: 50px;
    max-height: 34px;
  }

  .brand .logo-text {
    font-size: 0.86rem;
  }

  .btn {
    padding-left: 20px;
    padding-right: 20px;
  }

  .btn-lg {
    font-size: 1.05rem;
  }
}