/* layout.css — Header, footer, nav, page structure */

/* ============================================================
   Site Header
   ============================================================ */
.site-header {
    background-color: var(--color-navy);
    position: sticky;
    top: 0;
    z-index: 100;
    width: 100%;
}

.site-header__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    min-height: 72px;
}

.site-header__logo img {
    display: block;
    height: 52px;
    width: auto;
}

/* ============================================================
   Hamburger Toggle
   ============================================================ */
.nav-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    margin-left: auto;
}

.nav-toggle__bar {
    display: block;
    width: 24px;
    height: 2px;
    background-color: var(--color-near-white);
    border-radius: 2px;
    transition: transform 0.2s ease, opacity 0.2s ease;
}

/* Open state: animate into X */
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(2) {
    opacity: 0;
}
.nav-toggle[aria-expanded="true"] .nav-toggle__bar:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* ============================================================
   Primary Nav — Desktop
   ============================================================ */
.primary-nav__list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    align-items: center;
    gap: 0.25rem;
}

.primary-nav__item {
    position: relative;
    display: block;
}

/* Hide Home on desktop; shown only in mobile menu */
.nav-mobile-only {
    display: none;
}

/* Top-level links and submenu toggle buttons share the same base style */
.primary-nav__link,
.primary-nav__submenu-toggle {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 0.5rem 0.75rem;
    font-family: Helvetica, Verdana, sans-serif;
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-near-white);
    text-decoration: none;
    white-space: nowrap;
    background: none;
    border: none;
    cursor: pointer;
    border-radius: 4px;
    transition: background-color 0.15s ease, color 0.15s ease;
    line-height: 1;
}

.primary-nav__link:hover,
.primary-nav__submenu-toggle:hover,
.primary-nav__item--dropdown:hover > .primary-nav__submenu-toggle {
    background-color: rgba(255, 255, 255, 0.12);
}

/* Caret indicator */
.primary-nav__caret::after {
    content: '▾';
    font-size: 0.7rem;
    line-height: 1;
}

/* ============================================================
   CTA item — Contact toggle
   ============================================================ */
.primary-nav__item--cta {
    margin-left: 0.5rem;
}

.primary-nav__submenu-toggle--cta {
    background-color: var(--color-green-cta);
    color: var(--color-white);
    border-radius: 4px;
    padding: 0.5rem 1rem;
    font-weight: 700;
    font-size: 0.9375rem;
    text-transform: uppercase;
}

.primary-nav__submenu-toggle--cta:hover,
.primary-nav__item--cta:hover > .primary-nav__submenu-toggle--cta {
    background-color: #6ab20c;
    color: var(--color-white);
}

/* ============================================================
   Dropdown menus
   ============================================================ */
.primary-nav__dropdown {
    list-style: none;
    padding: 0.5rem 0;
    margin: 0;
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background-color: var(--color-white);
    border-top: 3px solid var(--color-green-cta);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.15);
    border-radius: 0 0 4px 4px;
    opacity: 0;
    pointer-events: none;
    transform: translateY(-6px);
    transition: opacity 0.15s ease, transform 0.15s ease;
    z-index: 200;
}

/* Open via hover (desktop) */
.primary-nav__item--dropdown:hover > .primary-nav__dropdown {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

/* Open via JS toggle (keyboard / mobile) */
.primary-nav__item--dropdown.is-open > .primary-nav__dropdown {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

.primary-nav__dropdown li a {
    display: block;
    padding: 0.5rem 1rem;
    font-family: Helvetica, Verdana, sans-serif;
    font-size: 1rem;
    font-weight: 400;
    color: var(--color-text);
    text-decoration: none;
    transition: background-color 0.1s ease, color 0.1s ease;
}

.primary-nav__dropdown li a:hover {
    background-color: var(--color-blue-pale);
    color: var(--color-navy);
}

/* Contact dropdown — right-align so it doesn't overflow viewport */
.primary-nav__item--cta .primary-nav__dropdown {
    left: auto;
    right: 0;
}

/* ============================================================
   Page body layout wrapper
   ============================================================ */
.site-main {
    min-height: 60vh;
}

/* ============================================================
   Site Footer
   ============================================================ */
.site-footer {
    background-color: var(--color-navy);
    color: var(--color-near-white);
    font-family: var(--font-body);
}

.site-footer__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

/* Main footer — 4-column grid */
.site-footer__main {
    padding: 3rem 0 2.5rem;
}

.site-footer__main .site-footer__inner {
    display: grid;
    grid-template-columns: 1fr 1.5fr 1.5fr 1fr;
    gap: 2.5rem;
    align-items: start;
}

/* Link sections that carry two sub-columns of links */
.site-footer__linkgrid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0 1.5rem;
}

@media (max-width: 1080px) {
    .site-footer__main .site-footer__inner {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 700px) {
    .site-footer__main .site-footer__inner {
        grid-template-columns: 1fr;
    }

    .site-footer__linkgrid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 480px) {
    .site-footer__linkgrid {
        grid-template-columns: 1fr;
    }
}

/* Col 1: Brand */
.site-footer__col--brand {
    align-items: flex-start;
    text-align: left;
}

.site-footer__logo-link {
    display: inline-block;
    margin-bottom: 1rem;
}

.site-footer__logo-link img {
    height: 120px;
    width: auto;
}

.site-footer__blurb {
    font-size: 1rem;
    color: var(--color-near-white);
    line-height: 1.6;
    margin-bottom: 1rem;
}

.site-footer__about-link {
    font-size: 1rem;
    color: var(--color-near-white);
    text-decoration: none;
}

.site-footer__about-link:hover {
    color: var(--color-blue-light);
}

/* Column headings */
.site-footer__heading {
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-near-white);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 1rem;
    padding-bottom: 0.5rem;
    border-bottom: 2px solid var(--color-green-cta);
}

/* Link lists */
.site-footer__links {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.site-footer__links a {
    font-size: 1rem;
    color: var(--color-near-white);
    text-decoration: none;
    transition: color 0.15s ease;
}

.site-footer__links a:hover {
    color: var(--color-blue-light);
}

/* Col 4: Contact */
.site-footer__col--contact {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    align-items: flex-start;
}

.site-footer__quote-link {
    font-size: 1rem;
    color: var(--color-near-white);
    text-decoration: none;
}

.site-footer__quote-link:hover {
    color: var(--color-blue-light);
}

.site-footer__contact-info {
    font-style: normal;
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
}

.site-footer__contact-info p {
    font-size: 1rem;
    color: var(--color-near-white);
    margin: 0;
}

.site-footer__contact-info a {
    color: var(--color-near-white);
    text-decoration: none;
}

.site-footer__contact-info a:hover {
    color: var(--color-blue-light);
}

/* ============================================================
   Footer CTA button
   ============================================================ */
.btn--footer {
    display: inline-block;
    background-color: var(--color-white);
    color: var(--color-navy);
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 700;
    padding: 0.65rem 1.25rem;
    border-radius: 4px;
    text-decoration: none;
    transition: background-color 0.15s ease, color 0.15s ease;
    white-space: nowrap;
}

.btn--footer:hover {
    background-color: var(--color-blue-pale);
    color: var(--color-navy);
}

/* ============================================================
   Footer disclaimers — Financial + TPMO (between grid and bottom bar)
   ============================================================ */
.site-footer__disclaimers {
    border-top: 1px solid rgba(166, 195, 224, 0.2);
    padding: 1.5rem 0;
}

.site-footer__disclaimer-heading {
    font-size: 14px;
    font-weight: 700;
    color: rgba(249, 249, 249, 0.65);
    margin: 0 0 0.25rem;
}

.site-footer__disclaimer-text {
    font-size: 14px;
    color: rgba(249, 249, 249, 0.65);
    line-height: 1.6;
    margin: 0 0 1rem;
}

.site-footer__disclaimer-text:last-child {
    margin-bottom: 0;
}

/* ============================================================
   Footer bottom bar — copyright + legal links
   ============================================================ */
.site-footer__bottom {
    border-top: 1px solid rgba(166, 195, 224, 0.2);
    padding: 1rem 0;
}

.site-footer__bottom .site-footer__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.site-footer__copyright {
    font-size: 0.875rem;
    color: rgba(249, 249, 249, 0.65);
    margin: 0;
}

.site-footer__legal {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    gap: 1.25rem;
}

.site-footer__legal a {
    font-size: 0.875rem;
    color: rgba(249, 249, 249, 0.65);
    text-decoration: none;
}

.site-footer__legal a:hover {
    color: var(--color-near-white);
}

/* ============================================================
   Footer regulatory band — Medicare/CMS disclaimer (below bottom bar)
   ============================================================ */
.site-footer__regulatory {
    border-top: 1px solid rgba(166, 195, 224, 0.2);
    padding: 1rem 0;
}

.site-footer__regulatory-text {
    font-size: 14px;
    color: rgba(249, 249, 249, 0.5);
    line-height: 1.6;
    margin: 0;
}

.site-footer__regulatory-link {
    color: rgba(249, 249, 249, 0.5);
    text-decoration: underline;
}

.site-footer__regulatory-link:hover {
    color: var(--color-near-white);
}

/* ============================================================
   Responsive — Mobile nav
   ============================================================ */
@media (max-width: 1080px) {

    .nav-toggle {
        display: flex;
    }

    .primary-nav {
        display: none;
        position: fixed;
        top: 72px;
        left: 0;
        right: 0;
        bottom: 0;
        background-color: var(--color-navy);
        overflow-y: auto;
        padding: 1rem 0 2rem;
        z-index: 99;
    }

    .primary-nav.is-open {
        display: block;
    }

    .primary-nav__list {
        flex-direction: column;
        align-items: stretch;
        gap: 0;
    }

    .primary-nav__item {
        border-bottom: 1px solid rgba(166, 195, 224, 0.15);
    }

    /* Show Home link in mobile menu */
    .nav-mobile-only {
        display: block;
    }

    .primary-nav__link,
    .primary-nav__submenu-toggle {
        font-size: 1.0625rem;
        padding: 0.85rem 1.5rem;
        border-radius: 0;
        justify-content: space-between;
        width: 100%;
    }

    .primary-nav__submenu-toggle--cta {
        margin: 1rem 1.5rem;
        width: auto;
        border-radius: 4px;
        justify-content: center;
        background-color: var(--color-green-cta);
        color: var(--color-navy);
    }

    .primary-nav__item--cta {
        margin-left: 0;
        border-bottom: none;
    }

    /* Mobile dropdowns — collapse/expand */
    .primary-nav__dropdown {
        position: static;
        opacity: 1;
        pointer-events: auto;
        transform: none;
        box-shadow: none;
        border-top: none;
        border-radius: 0;
        background-color: rgba(255, 255, 255, 0.06);
        display: none;
        padding: 0.25rem 0;
    }

    .primary-nav__item--dropdown.is-open > .primary-nav__dropdown {
        display: block;
    }

    .primary-nav__dropdown li a {
        padding: 0.65rem 1.5rem 0.65rem 2.25rem;
        color: var(--color-blue-light);
        font-size: 1rem;
    }

    .primary-nav__dropdown li a:hover {
        background-color: rgba(255, 255, 255, 0.08);
        color: var(--color-near-white);
    }

}

@media (max-width: 960px) {
    /* Footer: stack to 2 columns on tablet */
    .site-footer__main .site-footer__inner {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 540px) {
    .site-footer__main .site-footer__inner {
        grid-template-columns: 1fr;
    }

    .site-footer__bottom .site-footer__inner {
        flex-direction: column;
        align-items: flex-start;
    }
}

/* ============================================================
   PAGE SECTIONS — wrapper + content shell
   ============================================================ */

.section-wrapper {
    padding: 64px 24px;
    background-color: var(--color-white);
}

.section-wrapper--pale {
    background-color: var(--color-blue-pale);
}

.section-wrapper--compact {
    padding-top: 48px;
    padding-bottom: 48px;
}

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

.section-wrapper--blue {
    background-color: var(--color-blue-medium);
}

.section-wrapper--blue-pale {
    background-color: var(--color-blue-pale);
}

.section-content {
    max-width: 1200px;
    margin: 0 auto;
}

/* ============================================================
   UTILITY — text helpers used in page bodies
   ============================================================ */

.text-near-white { color: var(--color-near-white); }
.text-center     { text-align: center; }
.font-bold       { font-weight: 700; }

/* ============================================================
   INSURANCE TYPES — two-column link lists + description
   ============================================================ */

.ins-types-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 32px;
}

.ins-types-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.ins-types-list li {
    padding-left: 1.25em;
}

/* Four-column variant — for long flat lists such as the carrier
   list on the Insurance Carriers page. Overrides the base
   flex-column layout. */
.ins-types-list--four-col {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 6px 24px;
    margin-bottom: 32px;
}

@media (max-width: 960px) {
    .ins-types-list--four-col {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 700px) {
    .ins-types-list--four-col {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 420px) {
    .ins-types-list--four-col {
        grid-template-columns: 1fr;
    }
}

.ins-types-list li::before {
    content: '▶';
    font-size: 0.6rem;
    color: var(--color-green-cta);
    margin-left: -1.25em;
    margin-right: 0.5em;
    vertical-align: middle;
}

.ins-types-list a {
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 600;
    color: var(--color-navy);
    text-decoration: none;
}

.ins-types-list a:hover {
    color: var(--color-green-heading);
    text-decoration: underline;
}

.ins-types-description {
    font-size: 1rem;
    color: var(--color-text);
    line-height: 1.7;
    margin-bottom: 32px;
    font-style: italic;
}

/* ============================================================
   INTRO LAYOUT — heading full-width top, image floats right,
   description + lists stack left
   ============================================================ */

.intro-layout {
    display: grid;
    grid-template-columns: 1fr 1fr auto;
    grid-template-areas:
        'heading  heading  heading'
        'desc     desc     image'
        'list1    list2    image'
        'cta      cta      image';
    gap: 0 48px;
    align-items: start;
}

.intro-layout__heading     { grid-area: heading; text-align: left; margin-bottom: 24px; }
.intro-layout__description { grid-area: desc; margin-bottom: 24px; }
.intro-layout__list1       { grid-area: list1; margin-bottom: 16px; }
.intro-layout__list2       { grid-area: list2; margin-bottom: 24px; }
.intro-layout__image       { grid-area: image; }
.intro-layout__image img   { max-width: 378px; width: 100%; border-radius: 0; border-top-left-radius: 183px; }
.intro-layout__cta         { grid-area: cta; justify-content: flex-start; padding: 0; }

/* ============================================================
   CARRIER LOGO BAR
   ============================================================ */

.carrier-logo-bar {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 32px 48px;
}

.carrier-logo {
    height: 48px;
    width: auto;
    filter: grayscale(100%);
    opacity: 0.65;
    transition: filter 0.3s ease, opacity 0.3s ease;
}

.carrier-logo:hover {
    filter: grayscale(0%);
    opacity: 1;
}

.carrier-more-link {
    text-align: center;
    margin-top: 24px;
    font-size: 1rem;
}

.carrier-more-link a {
    font-style: italic;
}

.carrier-logo--sm { height: 38px; }

@media (max-width: 960px) {
    .carrier-logo--tablet-hide { display: none; }
}

@media (max-width: 600px) {
    .carrier-logo--phone-hide { display: none; }
}

/* ============================================================
   HOME SECTION HEADING
   ============================================================ */

.home-section-heading {
    font-family: var(--font-heading);
    font-size: clamp(1.5rem, 2.5vw, 2rem);
    font-weight: 700;
    color: var(--color-navy);
    text-align: center;
    margin-bottom: 40px;
    line-height: 1.25;
}

.home-section-heading.text-white {
    color: var(--color-white);
}

/* ============================================================
   REVIEWS HEADER
   ============================================================ */

.reviews-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 40px;
}

.reviews-header__heading {
    font-family: var(--font-heading);
    font-size: clamp(1.5rem, 2.5vw, 2rem);
    font-weight: 700;
    color: var(--color-navy);
    line-height: 1.25;
    margin: 0;
}

@media (max-width: 600px) {
    .reviews-header {
        flex-direction: column;
        align-items: center;
        gap: 20px;
    }

    .reviews-header__heading {
        text-align: center;
    }
}

/* ============================================================
   HOME INTRO IMAGE
   ============================================================ */

.home-intro-image {
    display: flex;
    justify-content: center;
    margin-bottom: 40px;
}

.home-intro-image img {
    max-width: 480px;
    width: 100%;
    border-radius: 4px;
}

/* ============================================================
   PROVIDER LOGO BAR
   ============================================================ */

.providers-logo-bar {
    display: block;
    margin: 0 auto;
    max-width: 100%;
    height: auto;
    opacity: 0.85;
}

/* ============================================================
   CHOICES CARDS — Best Coverage / Rates / Service
   ============================================================ */

.choices-cardset {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-bottom: 40px;
}

.choices-card {
    background: var(--color-white);
    border: 1px solid var(--color-blue-pale);
    border-radius: 6px;
    padding: 28px 24px;
    text-align: center;
    box-shadow: 0 2px 8px rgba(0,0,0,0.07);
}

.choices-card img {
    margin: 0 auto 20px;
    max-width: 160px;
    height: auto;
}

.choices-card__title {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-navy);
    margin-bottom: 12px;
}

.choices-card p {
    font-size: 1rem;
    color: var(--color-text);
    line-height: 1.65;
    margin: 0;
}

/* ============================================================
   REVIEW BLOCK — featured quote (navy sections)
   ============================================================ */

.review-block {
    position: relative;
    max-width: 860px;
    margin: -200px auto 48px;
    text-align: center;
    padding: 72px 80px 40px;
    background-color: var(--color-near-white);
    border-radius: 12px;
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.18);
    z-index: 10;
}

.review-block__quote {
    position: absolute;
    width: 64px;
    height: 64px;
    opacity: 0.65;
}

.review-block__quote--left  { top: 20px; left: 24px; }
.review-block__quote--right { bottom: 20px; right: 24px; }

.review-block__text {
    font-family: var(--font-body);
    font-size: 1.0625rem;
    color: var(--color-green-heading);
    line-height: 1.75;
    font-style: italic;
    margin-bottom: 16px;
}

.review-block__name {
    font-family: var(--font-heading);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-navy);
    margin: 0;
}

/* Navy sections with an overlapping review card */
.section-wrapper--has-review {
    padding-top: 80px;
    overflow: visible;
}

/* Section immediately before a navy-has-review section needs extra
   bottom padding to visually accommodate the overlapping card */
.section-wrapper--precedes-review {
    padding-bottom: 175px;
}

/* ============================================================
   PROCESS CARDS — Getting Covered Is Simple
   ============================================================ */

/* Process panel — near-white card overlapping into section below */
.process-panel {
    display: grid;
    grid-template-columns: 1fr 1fr 1.2fr;
    background: var(--color-near-white);
    border-radius: 16px;
    box-shadow: 0 20px 30px rgba(0,0,0,0.15);
    padding: 30px 20px;
    margin-bottom: -163px;
    position: relative;
    z-index: 10;
}

.process-card {
    padding: 20px 30px;
}

.process-card--accent {
    background: #5680b2;
    border-radius: 16px;
    margin: -50px 0;
    padding: 68px 30px 70px;
}

.process-card__heading {
    font-family: var(--font-heading);
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--color-navy);
    margin-bottom: 12px;
}

.process-card--accent .process-card__heading {
    color: var(--color-white);
}

.process-card p {
    font-size: 1rem;
    color: var(--color-text);
    line-height: 1.65;
    margin: 0;
}

.process-card--accent p {
    color: var(--color-white);
}

/* CTA section that follows the overlapping panel */
.section-wrapper--process-cta {
    padding-top: calc(163px + 40px);
    padding-bottom: 48px;
}

/* ============================================================
   VIDEO SECTION
   ============================================================ */

.video-section__lead {
    font-size: 1.125rem;
    color: var(--color-near-white);
    text-align: center;
    margin-bottom: 16px;
}

.video-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: start;
    margin-bottom: 40px;
}

.site-video {
    width: 100%;
    height: auto;
    border-radius: 4px;
    display: block;
}

.video-layout__text p {
    font-size: 1rem;
    color: var(--color-near-white);
    line-height: 1.7;
    margin-bottom: 16px;
}

.btn-text-toggle {
    background: none;
    border: 1px solid rgba(255,255,255,0.4);
    color: var(--color-near-white);
    font-family: var(--font-body);
    font-size: 0.9375rem;
    font-weight: 600;
    padding: 6px 16px;
    border-radius: 4px;
    cursor: pointer;
    margin-bottom: 16px;
    transition: background 0.15s ease, border-color 0.15s ease;
}

.btn-text-toggle:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.7);
}

/* ============================================================
   INSURANCE ICON GRID
   ============================================================ */

.ins-icon-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin: 32px 0 40px;
}

.ins-icon-btn {
    display: flex;
    align-items: center;
    gap: 10px;
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: 4px;
    padding: 10px 14px;
    text-decoration: none;
    transition: background 0.15s ease;
}

.ins-icon-btn:hover {
    background: rgba(255,255,255,0.16);
    text-decoration: none;
}

.ins-icon-btn img {
    flex-shrink: 0;
    display: block;
}

.ins-icon-btn span {
    font-family: var(--font-body);
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--color-near-white);
    line-height: 1.3;
}

/* ============================================================
   TWO-COLUMN IMAGE + TEXT
   ============================================================ */

.two-col-image-text {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
    margin-bottom: 40px;
}

.two-col-image-text--image-top {
    align-items: start;
}

/* Narrow image column — 1/3 image, 2/3 text. Use on conversion
   pages where a full-height photo would dwarf a short paragraph. */
.two-col-image-text--image-narrow {
    grid-template-columns: 1fr 2fr;
    gap: 48px;
}

.two-col-image-text--image-narrow .two-col-image-text__image img {
    width: 100%;
    height: auto;
}

/* Image on the right instead of the left. Pair with --image-narrow
   so the text column stays the wider of the two. Reverts to
   image-first when the grid stacks on mobile. */
.two-col-image-text--image-right {
    grid-template-columns: 2fr 1fr;
}

.two-col-image-text--image-right .two-col-image-text__image {
    order: 2;
}

.two-col-image-text--image-right .two-col-image-text__text {
    order: 1;
}

.two-col-image-text__image img {
    border-radius: 4px;
}

.two-col-image-text__text h2 {
    margin-bottom: 20px;
}

.two-col-image-text__text p {
    margin-bottom: 16px;
}

.two-col-image-text__text p:last-child {
    margin-bottom: 0;
}

/* ============================================================
   RESPONSIVE — page sections
   ============================================================ */

@media (max-width: 960px) {

    .intro-layout {
        grid-template-columns: 1fr 1fr 0.6fr;
        grid-template-areas:
            'heading  heading  heading'
            'desc     desc     desc'
            'list1    list2    image'
            'cta      cta      image';
        gap: 0 32px;
    }

    .intro-layout__image img { max-width: 100%; border-top-left-radius: 145px; }
    .intro-layout__cta { justify-content: flex-start; }

    .ins-types-grid {
        grid-template-columns: 1fr 1fr;
    }

    .choices-cardset {
        grid-template-columns: 1fr;
        max-width: 480px;
        margin-left: auto;
        margin-right: auto;
    }

    .process-panel {
        grid-template-columns: 1fr;
        max-width: 560px;
        margin-left: auto;
        margin-right: auto;
        margin-bottom: -100px;
        padding: 20px;
    }

    .process-card--accent {
        margin: 0;
        padding: 40px 30px;
        border-radius: 12px;
    }

    .section-wrapper--process-cta {
        padding-top: calc(100px + 40px);
    }

    .video-layout {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .ins-icon-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .two-col-image-text {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .two-col-image-text--image-right .two-col-image-text__image,
    .two-col-image-text--image-right .two-col-image-text__text {
        order: 0;
    }

    .two-col-image-text--image-top {
        align-items: center;
    }

    .two-col-image-text--image-top .two-col-image-text__image {
        display: flex;
        justify-content: center;
    }

    .two-col-image-text--image-sm .two-col-image-text__image {
        display: flex;
        justify-content: center;
    }

    .two-col-image-text--image-sm .two-col-image-text__image img {
        width: 50%;
        height: auto;
    }
}

@media (max-width: 600px) {

    .section-wrapper {
        padding: 48px 16px;
    }

    .section-wrapper--precedes-review {
        padding-bottom: 175px;
    }

    .section-wrapper--has-review {
        padding-top: 80px;
    }

    .intro-layout {
        grid-template-columns: 1fr 1fr;
        grid-template-areas:
            'heading  heading'
            'desc     desc'
            'list1    list2'
            'cta      cta';
    }

    .intro-layout__image {
        display: none;
    }

    .ins-types-grid {
        grid-template-columns: 1fr;
    }

    .ins-icon-grid {
        grid-template-columns: 1fr 1fr;
    }

    .review-block {
        padding-left: 40px;
        padding-right: 40px;
    }
}

@media (max-width: 400px) {
    .ins-icon-grid {
        grid-template-columns: 1fr;
    }
}

/* ============================================================
   STEP CARDS
   Numbered sequence of steps (process/journey sections).
   Reusable across service pages. Unlike .process-panel (a
   homepage-specific 3-up panel with negative margins), step
   cards are self-contained, never overlap, and reflow evenly.
   ============================================================ */
.step-cardset {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    margin-top: 40px;
}

.step-card {
    background: var(--color-white);
    border: 1px solid var(--color-blue-pale);
    border-left: 4px solid var(--color-blue-medium);
    border-radius: 6px;
    padding: 28px 26px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.07);
}

.step-card__number {
    display: inline-block;
    font-family: var(--font-heading);
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--color-blue-medium);
    margin-bottom: 10px;
}

.step-card__heading {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    color: var(--color-navy);
    margin: 0 0 12px;
}

.step-card p {
    margin: 0;
}

/* A 5-step set leaves one empty cell on the second row. Use a
   6-column track so the last two cards each span 2 columns and
   sit centered under the first row instead of left-hanging. */
.step-cardset--five {
    grid-template-columns: repeat(6, 1fr);
}

.step-cardset--five .step-card {
    grid-column: span 2;
}

.step-cardset--five .step-card:nth-child(4) {
    grid-column: 2 / span 2;
}

.step-cardset--five .step-card:nth-child(5) {
    grid-column: 4 / span 2;
}

@media (max-width: 960px) {
    .step-cardset,
    .step-cardset--five {
        grid-template-columns: repeat(2, 1fr);
    }
    .step-cardset--five .step-card,
    .step-cardset--five .step-card:nth-child(4),
    .step-cardset--five .step-card:nth-child(5) {
        grid-column: auto;
    }
}

@media (max-width: 600px) {
    .step-cardset,
    .step-cardset--five {
        grid-template-columns: 1fr;
    }
}

/* ============================================================
   LISTS ON DARK BACKGROUNDS
   Bullet markers inherit text color, so lists inside navy
   sections need the light color applied to the list itself.
   ============================================================ */
.list-on-dark {
    color: var(--color-near-white);
}

.list-on-dark li {
    color: var(--color-near-white);
    margin-bottom: 8px;
}

.list-on-dark li::marker {
    color: var(--color-near-white);
}

/* ============================================================
   DEFINITION LIST
   Term/description pairs — e.g. policy types with a short
   explanation each. Reusable wherever the old site used a
   bolded label followed by descriptive text.
   ============================================================ */
.def-list {
    display: grid;
    gap: 20px;
    margin: 28px 0;
}

.def-list__item {
    border-left: 4px solid var(--color-blue-medium);
    padding: 4px 0 4px 20px;
}

.def-list__term {
    font-family: var(--font-heading);
    font-weight: 700;
    color: var(--color-navy);
    margin: 0 0 6px;
}

.def-list__desc {
    margin: 0;
}

@media (min-width: 961px) {
    .def-list--two-col {
        grid-template-columns: 1fr 1fr;
        gap: 20px 40px;
    }
}

/* ============================================================
   SECTION — IMAGE FLUSH TO BOTTOM EDGE
   For bust/portrait photos that should sit on the section floor
   rather than floating in the middle. Only the image column is
   bottom-aligned — the text column stays vertically centered.
   Top padding on the image keeps the subject clear of whatever
   sits above (e.g. the hero).
   ============================================================ */
.section-wrapper--image-flush-bottom {
    padding-bottom: 0;
}

.section-wrapper--image-flush-bottom .two-col-image-text {
    align-items: center;
    margin-bottom: 0;
}

.section-wrapper--image-flush-bottom .two-col-image-text__image {
    align-self: end;
    /* Section top padding (64px) already sits above this column.
       The image file has ~2% empty space above the subject, so a
       small extra nudge lands the head ~75px below the section top. */
    padding-top: 6px;
}

.section-wrapper--image-flush-bottom .two-col-image-text__image img {
    display: block;
    margin-bottom: 0;
}

/* Stacked layout: restore normal spacing so the photo does not
   collide with the text block that now sits beneath it. */
@media (max-width: 960px) {
    .section-wrapper--image-flush-bottom {
        padding-bottom: 64px;
    }

    .section-wrapper--image-flush-bottom .two-col-image-text__image {
        align-self: auto;
        padding-top: 0;
    }
}

/* ============================================================
   FAQ LIST
   Question/answer pairs rendered from the faqs table.
   ============================================================ */
.faq-list {
    margin-top: 24px;
}

.faq-item {
    border-left: 4px solid var(--color-blue-medium);
    padding: 4px 0 4px 20px;
    margin-bottom: 28px;
}

.faq-item:last-child {
    margin-bottom: 0;
}

.faq-item__question {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    color: var(--color-navy);
    margin: 0 0 10px;
}

.faq-item__answer p {
    margin: 0 0 12px;
}

.faq-item__answer p:last-child,
.faq-item__answer ul:last-child {
    margin-bottom: 0;
}

.faq-item__answer ul {
    margin: 0 0 12px;
    padding-left: 1.25em;
}

.faq-item__answer li {
    margin-bottom: 6px;
}

/* ============================================================
   GLOSSARY
   A–Z jump bar plus definition lists grouped by letter.
   ============================================================ */
.glossary-nav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 16px;
}

/* Plain underlined letters — deliberately not buttons. */
.glossary-nav__link {
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 18px;
    line-height: 1.4;
    color: var(--color-blue-medium);
    text-decoration: underline;
    padding: 0 2px;
}

.glossary-nav__link:hover,
.glossary-nav__link:focus {
    color: var(--color-navy);
    text-decoration: underline;
}

/* Letters with no terms — shown so the alphabet stays complete,
   but visibly inactive, not underlined, and not focusable. */
.glossary-nav__link--empty {
    color: var(--color-blue-medium);
    opacity: 0.35;
    text-decoration: none;
    cursor: default;
}

.glossary-letter {
    font-family: var(--font-heading);
    font-size: 2rem;
    color: var(--color-navy);
    margin: 0 0 20px;
    padding-bottom: 10px;
    border-bottom: 3px solid var(--color-blue-medium);
}

.glossary-list {
    margin: 0;
}

.glossary-list__term {
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 1.1rem;
    color: var(--color-navy);
    margin: 0 0 6px;
}

.glossary-list__definition {
    /* 26px of separation between a definition and the term after it. */
    margin: 0 0 26px;
    padding-left: 20px;
    border-left: 3px solid var(--color-blue-pale);
}

.glossary-list__definition:last-child {
    margin-bottom: 0;
}

.glossary-backtotop {
    margin: 28px 0 0;
    text-align: right;
    font-size: 0.9rem;
}

@media (max-width: 600px) {
    .glossary-nav {
        gap: 8px;
    }

    .glossary-nav__link {
        font-size: 17px;
    }

    .glossary-letter {
        font-size: 1.6rem;
    }
}

/* ============================================================
   PROSE — constrained text column for short intro/body copy
   Added 2026-08-11 for the utility pages. Reusable.
   ============================================================ */

.prose {
    max-width: 900px;
    margin: 0 auto;
}

.prose p {
    margin-bottom: 1.2em;
}

.prose p:last-child {
    margin-bottom: 0;
}

/* ============================================================
   LEGAL DOC — long single-column legal text
   Privacy Policy, Terms of Use. One continuous document:
   headings are in-flow, never separate sections.
   ============================================================ */

.legal-doc {
    max-width: 900px;
    margin: 0 auto;
}

.legal-doc h2 {
    margin-top: 2.2em;
    margin-bottom: 0.6em;
    font-size: 1.5rem;
}

.legal-doc h2:first-child {
    margin-top: 0;
}

.legal-doc p {
    margin-bottom: 1.2em;
    line-height: 1.7;
}

.legal-doc ul {
    margin: 0 0 1.2em 1.4em;
    padding: 0;
}

.legal-doc li {
    margin-bottom: 0.5em;
    line-height: 1.7;
}

/* ============================================================
   CONTACT DETAILS — phone / address / hours row
   ============================================================ */

.contact-details {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.contact-details__heading {
    margin-bottom: 0.4em;
}

.contact-details__item ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.contact-details__item li {
    margin-bottom: 0.3em;
}

@media (max-width: 768px) {
    .contact-details {
        grid-template-columns: 1fr;
        gap: 1.5rem;
    }
}

/* ============================================================
   SITEMAP — grouped page listing
   ============================================================ */

.sitemap-group {
    margin-bottom: 2.5rem;
}

.sitemap-group:last-child {
    margin-bottom: 0;
}

.sitemap-group__heading {
    margin-bottom: 0.8em;
}

/* ============================================================
   FORM EMBED — 960px CoffeeCup form in a 972px centered wrapper
   Added 2026-08-11 for the contact form. Reusable by any
   960px-wide form embed.
   ============================================================ */

.form-embed-960 {
    width: 972px;
    max-width: 100%;
    margin-left: auto;
    margin-right: auto;
}

@media (max-width: 1000px) {
    .form-embed-960 {
        width: 100%;
        overflow-x: auto;
    }
}

/* Intro paragraph sharing a section with .contact-details */
.contact-intro {
    margin-top: 2.5rem;
}

/* ============================================================
   CHOICES CARD — with sub-heading and list
   For cards carrying an h4 label plus a bulleted list under the
   body copy. Left-aligns the card so the list reads correctly.
   Added 2026-08-11 (Medicare appeals / claims pages). Reusable.
   ============================================================ */

.choices-card--list {
    text-align: left;
}

.choices-card--list h4 {
    font-family: var(--font-heading);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--color-navy);
    margin: 16px 0 8px;
}

.choices-card--list ul {
    margin: 0;
    padding-left: 1.2em;
}

.choices-card--list li {
    margin-bottom: 6px;
    line-height: 1.5;
}

.choices-card--list li:last-child {
    margin-bottom: 0;
}

/* ============================================================
   DATA TABLE — comparison tables
   Scrolls horizontally inside its own wrapper on narrow screens
   so the page body never scrolls sideways.
   Added 2026-08-11 (Part D plan comparison). Reusable.
   ============================================================ */

.data-table-wrap {
    overflow-x: auto;
    margin-top: 1.5rem;
}

.data-table {
    width: 100%;
    min-width: 560px;
    border-collapse: collapse;
    background: var(--color-white);
}

.data-table th,
.data-table td {
    padding: 12px 16px;
    text-align: left;
    border-bottom: 1px solid var(--color-blue-pale);
}

.data-table thead th {
    background: var(--color-navy);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-weight: 700;
}

.data-table tbody tr:last-child td {
    border-bottom: none;
}

.data-table tbody tr:nth-child(even) {
    background: var(--color-pale, #f6f8fa);
}

.data-table__note {
    margin-top: 0.75rem;
    font-size: 0.9rem;
}

/* ============================================================
   FOOTER TRUST BADGES
   Accreditation and affiliation seals. Sits between the
   disclaimers and the copyright bar. Added 2026-08-11.
   ============================================================ */

.site-footer__badges {
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    padding: 1.75rem 0;
}

.site-footer__badge-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 1.75rem;
}

.site-footer__badge-list img {
    display: block;
    height: 56px;
    width: auto;
    max-width: 100%;
}

/* The BBB seal is a wide, short banner — cap by width instead */
.site-footer__badge-list li:first-child img {
    height: auto;
    width: 200px;
}

@media (max-width: 600px) {
    .site-footer__badge-list {
        gap: 1.25rem;
    }

    .site-footer__badge-list img {
        height: 46px;
    }
}

/* ============================================================
   HIDE — temporary utility
   Hides nav/footer links to pages that are not built yet.
   Remove the class from the element when its page goes live.
   Added 2026-08-11. Inventory: build-plan-deployment.md
   ============================================================ */

.hide {
    display: none;
}

/* ============================================================
   ARTICLE LAYOUT — content pages with an optional right rail
   Two-column when the page has rail components, full width when not.
   Main content is first in the DOM and first visually — no grid
   reordering, so keyboard and screen-reader order match what is seen.
   Added 2026-08-11. Rail system: _includes/components.php
   ============================================================ */

.article-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 340px;
    gap: 5rem;
    align-items: start;
}

/* No rail — single full-width column. */
.article-layout--full {
    grid-template-columns: minmax(0, 1fr);
}

.article-layout__body {
    min-width: 0;
}

.article-layout__body > h2 {
    margin-top: 2.2em;
    margin-bottom: 0.5em;
}

.article-layout__body > h2:first-child {
    margin-top: 0;
}

.article-layout__body > p {
    margin-bottom: 1.2em;
    line-height: 1.7;
}

/* Rail — stacked components. */
.article-layout__rail > * + * {
    margin-top: 2.5rem;
}

@media (max-width: 1000px) {
    .article-layout {
        grid-template-columns: minmax(0, 1fr);
        gap: 2rem;
    }
}

/* ------------------------------------------------------------
   Featured-snippet callout — sits in the rail
   ------------------------------------------------------------ */

.snippet-callout {
    background: var(--color-blue-pale);
    border-left: 4px solid var(--color-green-cta);
    border-radius: 6px;
    padding: 24px;
}

.snippet-callout__heading {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--color-navy);
    margin: 0 0 0.6em;
}

.snippet-callout p {
    margin: 0;
    line-height: 1.65;
}

/* ------------------------------------------------------------
   Download block — printable guide / PDF offer
   ------------------------------------------------------------ */

.download-block {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 1.25rem;
    background: var(--color-white);
    border: 1px solid var(--color-blue-pale);
    border-radius: 6px;
    padding: 24px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.07);
}

.download-block__text {
    flex: 1 1 260px;
}

.download-block__heading {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--color-navy);
    margin: 0 0 0.4em;
}

.download-block__text p {
    margin: 0;
}

.download-block__meta {
    font-size: 0.9rem;
    margin-top: 0.4em !important;
}

/* ------------------------------------------------------------
   Article figure — inline comparison graphic
   ------------------------------------------------------------ */

.article-figure {
    margin: 2rem 0;
}

.article-figure img {
    display: block;
    width: 100%;
    height: auto;
    border-radius: 6px;
}

.article-figure figcaption {
    font-size: 0.9rem;
    margin-top: 0.6em;
    color: var(--color-navy);
}

/* ============================================================
   RAIL CARDS — components rendered in the article rail
   Built for a fixed 340px column. Added 2026-08-11.
   ============================================================ */

.rail-card {
    background: var(--color-white);
    border: 1px solid var(--color-blue-pale);
    border-radius: 6px;
    padding: 24px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.07);
}

.rail-card__heading {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--color-navy);
    margin: 0 0 0.6em;
}

.rail-card p {
    margin: 0 0 1em;
    line-height: 1.6;
}

.rail-card__btn {
    display: block;
    text-align: center;
    width: 100%;
}

.rail-card__meta {
    font-size: 0.85rem;
    margin: 0.75em 0 0 !important;
}

.rail-card__links {
    list-style: none;
    margin: 0;
    padding: 0;
}

.rail-card__links li {
    border-top: 1px solid var(--color-blue-pale);
    padding: 0.6em 0;
}

.rail-card__links li:first-child {
    border-top: none;
    padding-top: 0;
}

.rail-card__links li:last-child {
    padding-bottom: 0;
}

/* CTA card gets a green top edge to read as the primary action */
.rail-card--cta {
    border-top: 4px solid var(--color-green-cta);
}