:root {
  --ink: #173b3a;
  --ink-deep: #0d2c2b;
  --paper: #f8f5ee;
  --white: #fff;
  --gold: #d6ad62;
  --gold-light: #f1ddb4;
  --sage: #78938d;
  --muted: #61706f;
  --line: rgba(23, 59, 58, .14);
  --shadow: 0 24px 60px rgba(13, 44, 43, .12);
  --radius: 22px;
  --serif: Georgia, 'Times New Roman', serif;
  --sans: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); line-height: 1.65; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.skip-link { position: fixed; top: 8px; left: 8px; transform: translateY(-150%); z-index: 1000; padding: 10px 16px; background: var(--white); border-radius: 8px; }
.skip-link:focus { transform: none; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.eyebrow { margin: 0 0 14px; color: var(--gold); font-size: .78rem; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; }
.section { padding: 96px 0; }
.section--tight { padding: 70px 0; }
.section--white { background: var(--white); }
.section--ink { background: var(--ink); color: var(--white); }
.section-title { max-width: 780px; margin: 0 0 22px; font: 500 clamp(2.1rem, 4.6vw, 4rem)/1.04 var(--serif); letter-spacing: -.035em; }
.lede { max-width: 720px; margin: 0; color: var(--muted); font-size: 1.12rem; }
.section--ink .lede { color: rgba(255,255,255,.72); }

.topbar { background: var(--ink-deep); color: rgba(255,255,255,.88); font-size: .82rem; }
.topbar__inner { display: flex; justify-content: space-between; gap: 16px; padding: 8px 0; }
.topbar a { color: var(--gold-light); font-weight: 700; text-decoration: none; }
.header { position: sticky; top: 0; z-index: 100; background: rgba(248,245,238,.94); border-bottom: 1px solid var(--line); backdrop-filter: blur(16px); }
.nav { display: flex; align-items: center; min-height: 84px; gap: 34px; }
.brand { margin-right: auto; }
.brand img { width: 210px; height: auto; }
.nav__links { display: flex; align-items: center; gap: 30px; }
.nav__links a { position: relative; font-size: .92rem; font-weight: 700; text-decoration: none; }
.nav__links a::after { content: ''; position: absolute; left: 0; right: 100%; bottom: -7px; height: 2px; background: var(--gold); transition: right .25s ease; }
.nav__links a:hover::after, .nav__links a[aria-current='page']::after { right: 0; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 50px; padding: 0 22px; border: 0; border-radius: 999px; background: var(--gold); color: var(--ink-deep); font-weight: 800; text-decoration: none; transition: transform .2s, box-shadow .2s, background .2s; }
.button:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(214,173,98,.28); background: #e0bb77; }
.button--light { background: var(--white); }
.button--ghost { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,.35); }
.menu-button { display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 50%; background: transparent; }
.menu-button span, .menu-button::before, .menu-button::after { content: ''; display: block; width: 19px; height: 2px; margin: 4px auto; background: var(--ink); }

.hero { position: relative; isolation: isolate; min-height: 730px; display: grid; align-items: center; overflow: hidden; background: var(--ink); color: var(--white); }
.hero::before { content: ''; position: absolute; inset: 0; z-index: -2; background: linear-gradient(90deg, rgba(8,38,37,.96) 0%, rgba(8,38,37,.76) 48%, rgba(8,38,37,.16) 100%), url('assets/medicare-hero.jpg') center 34%/cover; }
.hero::after { content: ''; position: absolute; z-index: -1; width: 620px; height: 620px; border: 1px solid rgba(214,173,98,.24); border-radius: 50%; right: -160px; top: -160px; box-shadow: 0 0 0 70px rgba(214,173,98,.045), 0 0 0 140px rgba(214,173,98,.025); }
.hero__content { max-width: 760px; padding: 100px 0 120px; }
.hero h1 { margin: 0 0 24px; font: 500 clamp(3.8rem, 8.5vw, 7.3rem)/.9 var(--serif); letter-spacing: -.055em; }
.hero h1 span { display: block; color: var(--gold-light); font-style: italic; font-size: .72em; }
.hero__copy { max-width: 640px; font-size: clamp(1.05rem, 2vw, 1.28rem); color: rgba(255,255,255,.8); }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 24px; margin-top: 44px; color: rgba(255,255,255,.72); font-size: .86rem; font-weight: 700; }
.trust-row span::before { content: '✓'; color: var(--gold); margin-right: 7px; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(46px, 8vw, 100px); align-items: center; }
.portrait { position: relative; }
.portrait img { width: 100%; max-height: 680px; object-fit: cover; object-position: center 28%; border-radius: 180px 180px 24px 24px; box-shadow: var(--shadow); }
.portrait__note { position: absolute; right: -26px; bottom: 46px; width: 220px; padding: 24px; border-radius: 16px; background: var(--gold); color: var(--ink-deep); box-shadow: var(--shadow); }
.portrait__note strong { display: block; font: 600 1.55rem/1.1 var(--serif); }
.check-list { list-style: none; padding: 0; margin: 30px 0 0; display: grid; gap: 14px; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li::before { content: '✓'; position: absolute; left: 0; top: 1px; color: var(--gold); font-weight: 900; }

.services { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 42px; }
.service-card { min-height: 250px; padding: 30px; border-radius: var(--radius); background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); transition: transform .25s, background .25s; }
.service-card:hover { transform: translateY(-6px); background: rgba(255,255,255,.1); }
.service-card__icon { display: grid; place-items: center; width: 50px; height: 50px; margin-bottom: 42px; border-radius: 50%; background: var(--gold); color: var(--ink-deep); font: 700 1.35rem var(--serif); }
.service-card h3 { margin: 0 0 8px; font: 600 1.45rem/1.15 var(--serif); }
.service-card p { margin: 0; color: rgba(255,255,255,.65); font-size: .93rem; }

.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 42px; }
.benefit { padding: 34px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.benefit__number { color: var(--gold); font: italic 2.2rem var(--serif); }
.benefit h3 { font: 600 1.4rem/1.2 var(--serif); }
.benefit p { margin-bottom: 0; color: var(--muted); }
.carrier-row { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 34px; }
.carrier-row span { padding: 12px 18px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); font-size: .85rem; font-weight: 800; color: var(--muted); }

.cta-band { position: relative; overflow: hidden; padding: 70px 0; background: var(--gold); color: var(--ink-deep); }
.cta-band::after { content: 'M'; position: absolute; right: 5%; top: -68px; color: rgba(255,255,255,.22); font: 240px/.8 var(--serif); }
.cta-band__inner { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-band h2 { max-width: 760px; margin: 0; font: 500 clamp(2rem, 4.2vw, 3.6rem)/1.05 var(--serif); }

.page-hero { padding: 92px 0 78px; background: var(--ink); color: var(--white); }
.page-hero h1 { max-width: 900px; margin: 0 0 22px; font: 500 clamp(3rem, 6vw, 5.5rem)/.98 var(--serif); letter-spacing: -.045em; }
.page-hero p { max-width: 700px; margin: 0; color: rgba(255,255,255,.72); font-size: 1.15rem; }
.breadcrumbs { margin-bottom: 28px; color: var(--gold-light); font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.article-wrap { display: grid; grid-template-columns: minmax(0, 1fr) 310px; gap: 80px; align-items: start; }
.prose h2 { margin: 58px 0 14px; font: 600 clamp(1.8rem, 3vw, 2.7rem)/1.12 var(--serif); letter-spacing: -.02em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 34px 0 8px; font: 600 1.4rem var(--serif); }
.prose p { color: #445756; }
.prose ul { padding-left: 20px; }
.side-card { position: sticky; top: 112px; padding: 30px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.side-card h3 { margin: 0 0 10px; font: 600 1.65rem/1.15 var(--serif); }
.side-card p { color: var(--muted); }
.side-card .button { width: 100%; margin-top: 10px; }
.parts-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin: 34px 0; }
.part-card { padding: 28px; border-radius: 16px; background: var(--white); border: 1px solid var(--line); }
.part-card b { color: var(--gold); font: 600 2rem var(--serif); }
.part-card h3 { margin: 10px 0 6px; }
.part-card p { margin: 0; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq summary { cursor: pointer; font-weight: 800; }
.faq p { margin-bottom: 0; color: var(--muted); }

.contact-layout { display: grid; grid-template-columns: .82fr 1.18fr; gap: 60px; align-items: start; }
.contact-card { padding: 38px; border-radius: var(--radius); background: var(--ink); color: var(--white); }
.contact-card h2 { margin: 0 0 18px; font: 500 2.5rem/1.05 var(--serif); }
.contact-card a { color: var(--gold-light); text-decoration: none; font-weight: 800; }
.contact-details { margin: 24px 0; padding: 18px 20px; border: 1px solid rgba(255,255,255,.14); border-radius: 14px; background: rgba(255,255,255,.05); }
.contact-details p { margin: 0; }
.contact-details p + p { margin-top: 14px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.12); }
.contact-card ul { padding: 0; list-style: none; }
.contact-card li { padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.form-shell { position: relative; overflow: hidden; min-height: 640px; padding: 18px; border: 1px solid rgba(23,59,58,.1); border-radius: 28px; background: linear-gradient(145deg, #fff 0%, #fbfaf6 100%); box-shadow: var(--shadow); }
.form-shell::before { content: ''; position: absolute; inset: 0 0 auto; height: 5px; background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--sage)); }
.lead-form { position: relative; padding: 34px 30px 30px; }
.lead-form__heading { margin-bottom: 28px; }
.lead-form__heading h2, .lead-form-success h2 { margin: 0 0 10px; font: 500 clamp(2.15rem, 4vw, 3.3rem)/1.05 var(--serif); letter-spacing: -.035em; }
.lead-form__heading > p:last-child, .lead-form-success > p:last-child { margin: 0; color: var(--muted); }
.lead-form__trust { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.lead-form__trust span { display: inline-flex; align-items: center; gap: 7px; padding: 8px 12px; border: 1px solid rgba(23,59,58,.1); border-radius: 999px; background: rgba(120,147,141,.09); color: #3f5754; font-size: .78rem; font-weight: 800; }
.lead-form__trust span::before { content: '✓'; color: #9d6d16; font-weight: 900; }
.lead-form__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px 18px; }
.form-field { min-width: 0; }
.form-field--wide { grid-column: 1 / -1; }
.form-field label, .lead-consents legend { display: block; margin-bottom: 7px; color: var(--ink); font-size: .9rem; font-weight: 800; }
.form-field input, .form-field select, .form-field textarea { width: 100%; border: 1px solid rgba(23,59,58,.22); border-radius: 12px; background: #fff; color: var(--ink); transition: border-color .2s ease, box-shadow .2s ease; }
.form-field input, .form-field select { min-height: 50px; padding: 10px 13px; }
.form-field textarea { min-height: 132px; padding: 12px 13px; resize: vertical; }
.form-field input:hover, .form-field select:hover, .form-field textarea:hover { border-color: rgba(23,59,58,.42); }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(183,133,42,.12); }
.form-field [aria-invalid="true"] { border-color: #a93030; }
.form-optional { color: var(--muted); font-size: .78rem; font-weight: 600; }
.form-hint, .form-error { margin: 6px 2px 0; font-size: .8rem; line-height: 1.4; }
.form-hint { color: var(--muted); }
.form-error { min-height: 1.12em; color: #9d2525; font-weight: 700; }
.form-honeypot { position: absolute; left: -10000px; top: auto; width: 1px; height: 1px; overflow: hidden; }
.lead-consents { display: grid; gap: 16px; margin: 26px 0 0; padding: 24px; border: 1px solid rgba(23,59,58,.11); border-radius: 18px; background: linear-gradient(145deg, rgba(239,243,239,.72), rgba(248,245,238,.78)); }
.lead-consents legend { float: left; width: 100%; margin: 0 0 3px; padding: 0; }
.lead-consents legend + * { clear: both; }
.consent-field { display: grid; grid-template-columns: 22px minmax(0, 1fr); column-gap: 11px; align-items: start; }
.consent-field input { width: 19px; height: 19px; margin: 3px 0 0; accent-color: var(--ink); }
.consent-field label { color: #394d4c; font-size: .86rem; line-height: 1.55; }
.consent-field .form-error { grid-column: 2; }
.required-note { color: #8d5d08; font-size: .75rem; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; }
.lead-form__legal { margin: 20px 0 0; color: var(--muted); font-size: .82rem; }
.lead-form__legal a, .lead-form-success a { color: var(--ink); font-weight: 800; text-underline-offset: 3px; }
.lead-form__status { min-height: 1.5em; margin: 14px 0 0; color: #9d2525; font-weight: 800; }
.lead-form__submit { width: 100%; justify-content: center; min-height: 56px; margin-top: 9px; border: 0; font-size: 1rem; }
.lead-form__submit:disabled { cursor: wait; opacity: .62; }
.lead-form-success { padding: clamp(40px, 7vw, 76px) 30px; text-align: center; }
.agent-directory { border-top: 1px solid var(--line); }
.agent-directory__intro { max-width: 720px; margin: 0 auto 42px; text-align: center; }
.agent-directory__intro .section-title, .agent-directory__intro .lede { margin-left: auto; margin-right: auto; }
.agent-directory__grid { display: grid; grid-template-columns: minmax(280px, 430px); justify-content: center; }
.agent-card { overflow: hidden; border: 1px solid var(--line); border-radius: 26px; background: var(--paper); box-shadow: 0 22px 55px rgba(13,44,43,.1); transition: transform .25s ease, box-shadow .25s ease; }
.agent-card:hover { transform: translateY(-6px); box-shadow: 0 28px 65px rgba(13,44,43,.15); }
.agent-card__portrait { display: block; position: relative; overflow: hidden; background: var(--ink); }
.agent-card__portrait::after { content: ''; position: absolute; inset: auto 0 0; height: 28%; background: linear-gradient(transparent, rgba(13,44,43,.22)); }
.agent-card__portrait img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; transition: transform .4s ease; }
.agent-card:hover .agent-card__portrait img { transform: scale(1.025); }
.agent-card__body { padding: 30px; }
.agent-card__body .eyebrow { margin-bottom: 8px; }
.agent-card__body h3 { margin: 0; font: 600 2rem/1.08 var(--serif); }
.agent-card__body h3 a { color: var(--ink); text-decoration: none; }
.agent-card__role { margin: 7px 0 16px; color: var(--gold-dark, #9a6a22); font-size: .8rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }
.agent-card__body > p:not(.eyebrow):not(.agent-card__role) { color: var(--muted); }
.agent-card__focus { display: flex; flex-wrap: wrap; gap: 7px; margin: 22px 0 26px; }
.agent-card__focus span { padding: 7px 10px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); color: var(--muted); font-size: .74rem; font-weight: 700; }

.agent-page { background: var(--paper); }
.agent-hero { position: relative; overflow: hidden; padding: 88px 0 104px; background: var(--ink); color: var(--white); }
.agent-hero::before { content: ''; position: absolute; width: 520px; height: 520px; right: -180px; top: -190px; border: 1px solid rgba(214,173,98,.26); border-radius: 50%; box-shadow: 0 0 0 72px rgba(214,173,98,.05), 0 0 0 144px rgba(214,173,98,.025); }
.agent-hero__grid { position: relative; display: grid; grid-template-columns: 1.12fr .88fr; gap: clamp(54px, 8vw, 110px); align-items: center; }
.agent-hero h1 { max-width: 760px; margin: 0 0 10px; font: 500 clamp(3.8rem, 7.5vw, 6.8rem)/.92 var(--serif); letter-spacing: -.055em; }
.agent-hero h1 em { display: block; color: var(--gold-light); font-weight: 400; }
.agent-role { margin: 0 0 26px; color: var(--gold); font-size: .88rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.agent-intro { max-width: 670px; margin: 0; color: rgba(255,255,255,.78); font-size: 1.16rem; }
.agent-focus { display: flex; flex-wrap: wrap; gap: 9px; margin: 30px 0 0; }
.agent-focus span { padding: 9px 14px; border: 1px solid rgba(255,255,255,.2); border-radius: 999px; color: rgba(255,255,255,.78); font-size: .82rem; font-weight: 700; }
.agent-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 22px; margin-top: 34px; }
.agent-phone { color: var(--gold-light); font-weight: 800; text-underline-offset: 5px; }
.agent-portrait { width: min(100%, 450px); margin: 0 auto; }
.agent-portrait__frame { position: relative; padding: 12px; border: 1px solid rgba(214,173,98,.4); border-radius: 230px 230px 28px 28px; }
.agent-portrait__frame img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; border-radius: 218px 218px 20px 20px; }
.agent-portrait figcaption { width: 82%; margin: -34px auto 0; position: relative; padding: 19px 24px; border-radius: 14px; background: var(--gold); color: var(--ink-deep); box-shadow: var(--shadow); }
.agent-portrait figcaption span { display: block; font-size: .72rem; font-weight: 900; letter-spacing: .14em; text-transform: uppercase; }
.agent-portrait figcaption strong { display: block; margin-top: 4px; font: 600 1.15rem/1.2 var(--serif); }
.agent-story { display: grid; grid-template-columns: .94fr 1.06fr; gap: clamp(50px, 8vw, 100px); align-items: center; }
.agent-bio blockquote { margin: 34px 0 0; padding: 22px 0 22px 28px; border-left: 3px solid var(--gold); color: var(--ink); font: italic 500 1.42rem/1.4 var(--serif); }
.agent-media { position: relative; min-height: 470px; overflow: hidden; border-radius: 26px; background: var(--ink); box-shadow: var(--shadow); }
.agent-media img { width: 100%; height: 100%; min-height: 470px; object-fit: cover; object-position: 62% center; opacity: .72; }
.agent-media::after { content: ''; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(13,44,43,.9), rgba(13,44,43,0) 62%); }
.agent-media__label { position: absolute; z-index: 1; left: 34px; right: 34px; bottom: 30px; color: var(--white); }
.agent-media__label span { display: block; color: var(--gold-light); font-size: .75rem; font-weight: 900; letter-spacing: .15em; text-transform: uppercase; }
.agent-media__label strong { display: block; margin-top: 5px; font: 500 clamp(1.6rem, 3vw, 2.25rem)/1.12 var(--serif); }
.agent-schedule { position: relative; overflow: hidden; padding: 104px 0; background: linear-gradient(135deg, #efe4ca, var(--paper) 46%); }
.agent-schedule::before { content: ''; position: absolute; width: 360px; height: 360px; left: -210px; bottom: -190px; border: 1px solid rgba(214,173,98,.3); border-radius: 50%; box-shadow: 0 0 0 58px rgba(214,173,98,.07), 0 0 0 116px rgba(214,173,98,.035); }
.agent-schedule__grid { display: grid; grid-template-columns: .78fr 1.22fr; gap: clamp(50px, 7vw, 90px); align-items: start; }
.agent-schedule__grid > * { position: relative; }
.agent-schedule .section-title { font-size: clamp(2.5rem, 4.8vw, 4.4rem); }
.agent-schedule__call { margin-top: 28px; font-weight: 700; }
.agent-schedule__call a { color: var(--ink); text-underline-offset: 4px; }
.agent-scheduler { min-height: 1010px; padding: 14px; border: 1px solid rgba(23,59,58,.12); border-radius: 26px; background: var(--white); box-shadow: 0 30px 70px rgba(13,44,43,.16); overflow: hidden; }
.agent-scheduler__heading { position: relative; margin: -14px -14px 8px; padding: 24px 30px 20px; border-bottom: 1px solid rgba(255,255,255,.12); background: var(--ink); color: var(--white); }
.agent-scheduler__heading::after { content: ''; position: absolute; top: 0; bottom: 0; left: 0; width: 5px; background: var(--gold); }
.agent-scheduler__heading span { display: block; color: var(--gold); font-size: .72rem; font-weight: 900; letter-spacing: .14em; text-transform: uppercase; }
.agent-scheduler__heading strong { display: block; margin-top: 4px; font: 600 1.42rem var(--serif); }
.agent-scheduler iframe { display: block; width: 100%; height: 902px; min-height: 902px; border: 0; border-radius: 14px; background: var(--white); }

.footer { padding: 70px 0 28px; background: var(--ink-deep); color: rgba(255,255,255,.72); }
.footer__grid { display: grid; grid-template-columns: 1.5fr .75fr 1fr; gap: 60px; }
.footer__brand img { width: 220px; filter: brightness(0) invert(1); opacity: .95; }
.footer h3 { color: var(--white); font: 600 1.15rem var(--serif); }
.footer a { color: rgba(255,255,255,.78); text-decoration: none; }
.footer__links { display: grid; gap: 9px; }
.footer__phone { color: var(--gold-light) !important; font: 600 1.55rem var(--serif); }
.legal { margin-top: 48px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.12); font-size: .72rem; line-height: 1.55; }
.footer__policy-links { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 20px; font-size: .82rem; font-weight: 800; }
.footer__policy-links a { color: var(--gold-light); text-underline-offset: 4px; }
.footer__bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 20px; color: rgba(255,255,255,.48); font-size: .72rem; }

.legal-page .page-hero { padding-bottom: 90px; }
.legal-shell { max-width: 920px; }
.legal-effective { display: inline-flex; align-items: center; gap: 18px; margin: -40px 0 52px; padding: 18px 24px; border-radius: 14px; background: var(--gold); color: var(--ink-deep); box-shadow: var(--shadow); }
.legal-effective span { font-size: .72rem; font-weight: 900; letter-spacing: .14em; text-transform: uppercase; }
.legal-effective strong { font: 600 1.16rem var(--serif); }
.legal-document { padding: clamp(28px, 5vw, 58px); border: 1px solid var(--line); border-radius: 28px; background: var(--white); box-shadow: 0 20px 55px rgba(13,44,43,.08); }
.legal-document > p:first-child { margin-top: 0; color: var(--ink); font-size: 1.1rem; }
.legal-document h2 { padding-top: 12px; }
.legal-document li { margin-bottom: 10px; color: #445756; }
.legal-document a { color: var(--ink); font-weight: 700; text-underline-offset: 3px; }
.legal-contact { margin-top: 30px; padding: 38px; border-radius: 24px; background: var(--ink); color: var(--white); }
.legal-contact h2 { margin: 0 0 10px; font: 500 clamp(1.8rem, 3vw, 2.6rem)/1.1 var(--serif); }
.legal-contact p:not(.eyebrow) { color: rgba(255,255,255,.74); }
.legal-contact p a { color: var(--gold-light); }
.legal-contact__details { display: grid; grid-template-columns: 1.35fr .65fr; gap: 22px; margin: 24px 0; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.12); }
.legal-contact__details p { margin: 0; }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

@media (max-width: 980px) {
  .menu-button { display: block; }
  .nav { min-height: 72px; }
  .brand img { width: 175px; }
  .nav__links { display: none; position: absolute; inset: 72px 0 auto; padding: 24px 20px 30px; background: var(--paper); border-bottom: 1px solid var(--line); flex-direction: column; align-items: flex-start; }
  .nav__links.is-open { display: flex; }
  .nav > .button { display: none; }
  .split, .contact-layout { grid-template-columns: 1fr; }
  .agent-hero__grid, .agent-story, .agent-schedule__grid { grid-template-columns: 1fr; }
  .agent-hero__copy { order: 2; }
  .agent-portrait { order: 1; width: min(78vw, 410px); }
  .services { grid-template-columns: repeat(2, 1fr); }
  .benefit-grid { grid-template-columns: 1fr; }
  .article-wrap { grid-template-columns: 1fr; gap: 50px; }
  .side-card { position: static; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 640px) {
  .container { width: min(100% - 28px, 1160px); }
  .topbar__inner { justify-content: center; text-align: center; }
  .topbar__inner span:first-child { display: none; }
  .hero { min-height: 670px; }
  .hero::before { background: linear-gradient(rgba(8,38,37,.87), rgba(8,38,37,.94)), url('assets/medicare-hero.jpg') 62% center/cover; }
  .hero__content { padding: 82px 0; }
  .hero h1 { font-size: clamp(3.25rem, 17vw, 5.2rem); }
  .section { padding: 72px 0; }
  .form-shell { padding: 8px; }
  .lead-form { padding: 22px 16px; }
  .lead-form__grid { grid-template-columns: 1fr; }
  .form-field--wide { grid-column: auto; }
  .lead-consents { padding: 20px 17px; }
  .services, .parts-grid { grid-template-columns: 1fr; }
  .portrait__note { right: 10px; bottom: 20px; }
  .cta-band__inner { align-items: flex-start; flex-direction: column; }
  .footer__grid { grid-template-columns: 1fr; gap: 34px; }
  .footer__brand { grid-column: auto; }
  .footer__bottom { flex-direction: column; }
  .page-hero { padding: 68px 0 58px; }
  .contact-card, .benefit { padding: 28px; }
  .agent-directory__intro { margin-bottom: 32px; text-align: left; }
  .agent-card__body { padding: 26px 24px 28px; }
  .legal-effective { align-items: flex-start; flex-direction: column; gap: 2px; margin-bottom: 34px; }
  .legal-document { padding: 26px 22px; border-radius: 20px; }
  .legal-contact { padding: 28px 24px; }
  .legal-contact__details { grid-template-columns: 1fr; }
  .agent-hero { padding: 58px 0 74px; }
  .agent-hero h1 { font-size: clamp(3.35rem, 16vw, 5.2rem); }
  .agent-portrait { width: min(90vw, 360px); }
  .agent-media, .agent-media img { min-height: 370px; }
  .agent-media__label { left: 24px; right: 24px; bottom: 24px; }
  .agent-schedule { padding: 72px 0; }
  .agent-scheduler { min-height: 990px; padding: 8px; border-radius: 20px; }
  .agent-scheduler__heading { margin: -8px -8px 8px; padding: 20px 24px 18px; }
  .agent-scheduler iframe { height: 902px; min-height: 902px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}