/* ============================================================
   TopInsuranceOffer.pro — Shared design system
   Brand: navy / bright-blue / yellow (its own identity, NOT BCL)
   Audience: Medicare (65+). Priorities: trust, legibility,
   high contrast, large tap targets, click-to-call.
   Fonts: Source Serif 4 (display) + Public Sans (body, USWDS-grade legibility)
   ============================================================ */

: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;          /* large base for 65+ readability */
  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 (phone + hours) ---------- */
.topbar { background: var(--navy-900); color: #DCEBFA; font-size: .98rem; }
.topbar .container { 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 { display: flex; align-items: center; justify-content: space-between; padding-top: 14px; padding-bottom: 14px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.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 { font-family: var(--font-display); font-weight: 700; color: var(--navy); font-size: 1.18rem; line-height: 1.1; }
.brand .logo-text small { display: block; font-family: var(--font-body); font-weight: 600; font-size: .72rem; letter-spacing: .04em; color: var(--muted); text-transform: uppercase; }
.nav-links { display: flex; gap: 22px; align-items: center; }
.nav-links a { color: var(--ink); text-decoration: none; font-weight: 600; font-size: 1rem; }
.nav-links a:hover { color: var(--blue); }

/* ---------- 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); }

/* ---------- "How it works" 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 (Medigap, enrollment) ---------- */
.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 { font-size: .9rem; color: var(--muted); margin: 4px 0; }
.tbl-source { font-size: .9rem; color: var(--muted); }

/* ---------- 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; }
@media (max-width: 760px) {
  .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; }
  body { padding-bottom: 80px; }
  .nav-links { display: none; }
  .split, .split.alt { grid-template-columns: 1fr; gap: 26px; }
  .section { padding: 52px 0; }
  .help-band { padding: 32px 22px; }
}

/* ---------- 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); }