/* =============================================
   BCS Insurance Group — Botanical Garden Theme
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Lora:wght@400;500;600;700&family=Source+Sans+3:wght@300;400;500;600;700&display=swap');

:root {
  --fern:          #4a7c59;
  --fern-dark:     #355c42;
  --fern-light:    #6a9e77;
  --fern-pale:     #e8f2eb;
  --marigold:      #f9a620;
  --marigold-lt:   #fdc76a;
  --marigold-pale: #fff7e6;
  --cream:         #f5f3ed;
  --white:         #ffffff;
  --text:          #1e2d1e;
  --text-mid:      #3a4a3a;
  --text-light:    #5a6a5a;
  --border:        #d4e4d8;
  --font-serif:    'Lora', Georgia, serif;
  --font-sans:     'Source Sans 3', 'Segoe UI', sans-serif;
  --radius:        10px;
  --radius-lg:     16px;
  --shadow-sm:     0 2px 8px rgba(74,124,89,0.08);
  --shadow:        0 4px 20px rgba(74,124,89,0.12);
  --shadow-lg:     0 8px 40px rgba(74,124,89,0.18);
  --navy:          #2d4a35;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 18px; }
body { font-family: var(--font-sans); color: var(--text); background: var(--white); line-height: 1.7; }
img { max-width: 100%; display: block; }
a { color: var(--fern-dark); }

h1, h2, h3, h4 { font-family: var(--font-serif); line-height: 1.25; color: var(--text); font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); }
p  { font-size: 1rem; color: var(--text-mid); }

.container { max-width: 1100px; margin: 0 auto; padding: 0 5%; }
.section { padding: 4.5rem 0; }
.section-light { background: var(--cream); }
.section-fern  { background: var(--fern-pale); }
.section-header { text-align: center; max-width: 680px; margin: 0 auto 3rem; }
.section-header p { font-size: 1.1rem; margin-top: 0.75rem; color: var(--text-light); }

/* NAV */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 999; background: var(--fern-dark); box-shadow: 0 2px 16px rgba(0,0,0,0.2); }
.nav-inner { max-width: 1360px; margin: 0 auto; padding: 0 2.5%; height: 96px; display: flex; align-items: center; justify-content: space-between; gap: 0.5rem; }
.nav-logo img { height: 100px; width: auto; display: block; }
.nav-logo { margin-right: 0; flex-shrink: 0; }
.nav-links { display: flex; align-items: center; gap: 0.1rem; list-style: none; flex-wrap: nowrap; margin-left: -4rem; }
.nav-links a { color: rgba(255,255,255,0.88); text-decoration: none; font-size: 0.88rem; font-weight: 600; padding: 0.45rem 0.65rem; border-radius: 6px; transition: background 0.2s, color 0.2s; white-space: nowrap; }
.nav-links a:hover { background: rgba(255,255,255,0.12); color: var(--marigold-lt); }
.nav-cta { background: var(--marigold) !important; color: var(--fern-dark) !important; font-weight: 700 !important; white-space: nowrap !important; padding: 0.5rem 1rem !important; }
.nav-cta:hover { background: var(--marigold-lt) !important; color: var(--fern-dark) !important; }
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 6px; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: white; border-radius: 2px; transition: 0.3s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* HERO */
.hero { background: linear-gradient(135deg, var(--fern-dark) 0%, var(--fern) 65%, #7ab88a 100%); min-height: 90vh; display: flex; align-items: center; padding: 125px 0 80px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 80% 50%, rgba(249,166,32,0.1) 0%, transparent 60%); }
.hero::after { content: ''; position: absolute; bottom: -2px; left: 0; right: 0; height: 55px; background: var(--white); clip-path: ellipse(55% 100% at 50% 100%); }
.hero .container { position: relative; z-index: 1; max-width: 760px; }
.hero h1 { color: var(--white); font-size: clamp(2.2rem, 5.5vw, 3.5rem); margin-bottom: 1rem; }
.hero h1 span { color: var(--marigold-lt); }
.hero .subtitle { font-size: clamp(1.1rem, 2.5vw, 1.35rem); color: rgba(255,255,255,0.92); margin-bottom: 0.5rem; font-weight: 500; }
.hero .tagline { font-size: 1.05rem; color: rgba(255,255,255,0.75); margin-bottom: 2rem; }
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.5rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 0.75rem; }
.hero-trust-item { background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); color: white; border-radius: 50px; padding: 0.4rem 1rem; font-size: 0.9rem; font-weight: 600; }

/* TRUST BAR */
.trust-bar { background: var(--marigold-pale); border-top: 3px solid var(--marigold); border-bottom: 3px solid var(--marigold); padding: 1.25rem 0; }
.trust-bar-inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem 2.5rem; align-items: center; }
.trust-item { display: flex; align-items: center; gap: 0.5rem; font-size: 0.97rem; font-weight: 700; color: var(--fern-dark); }
.trust-icon { font-size: 1.3rem; }

/* PAGE HERO */
.page-hero { background: linear-gradient(135deg, var(--fern-dark) 0%, var(--fern) 100%); padding: 130px 0 60px; text-align: center; }
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero p  { color: rgba(255,255,255,0.85); font-size: 1.15rem; max-width: 600px; margin: 0 auto; }

/* BUTTONS */
.btn { display: inline-block; text-decoration: none; font-family: var(--font-sans); font-weight: 700; font-size: 1rem; padding: 0.75rem 1.6rem; border-radius: var(--radius); border: 2px solid transparent; cursor: pointer; transition: all 0.2s; line-height: 1.3; }
.btn-lg { font-size: 1.1rem; padding: 0.95rem 2.1rem; }
.btn-primary  { background: var(--fern); color: white; border-color: var(--fern); }
.btn-primary:hover { background: var(--fern-dark); border-color: var(--fern-dark); color: white; }
.btn-green    { background: var(--fern); color: white; border-color: var(--fern); }
.btn-green:hover { background: var(--fern-dark); color: white; }
.btn-marigold { background: var(--marigold); color: var(--fern-dark); border-color: var(--marigold); }
.btn-marigold:hover { background: var(--marigold-lt); color: var(--fern-dark); }
.btn-white    { background: white; color: var(--fern-dark); border-color: white; }
.btn-white:hover { background: var(--cream); color: var(--fern-dark); }
.btn-outline  { background: transparent; color: var(--fern); border-color: var(--fern); }
.btn-outline:hover { background: var(--fern); color: white; }

/* CARDS */
.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.5rem; }
.card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2rem 1.75rem; box-shadow: var(--shadow); transition: transform 0.2s, box-shadow 0.2s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.card h3 { margin-bottom: 0.6rem; color: var(--fern-dark); }
.card p  { font-size: 0.97rem; color: var(--text-light); }
.card .btn { margin-top: 1.25rem; font-size: 0.9rem; }
.card-question { font-style: italic; color: var(--fern); font-size: 0.95rem; font-weight: 600; margin-bottom: 0.5rem; border-left: 3px solid var(--marigold); padding-left: 0.75rem; }
.card-green    { background: var(--fern-pale); border-color: var(--fern-light); }
.card-marigold { background: var(--marigold-pale); border-color: var(--marigold-lt); }

/* STEPS */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 2rem; }
.step { text-align: center; padding: 2rem 1.5rem; background: var(--white); border-radius: var(--radius-lg); border: 1px solid var(--border); box-shadow: var(--shadow); }
.step-number { width: 56px; height: 56px; background: var(--fern); color: white; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; font-weight: 800; font-family: var(--font-serif); margin: 0 auto 1.25rem; }
.step h3 { margin-bottom: 0.6rem; font-size: 1.15rem; }
.step p { font-size: 0.97rem; color: var(--text-light); }

/* ABOUT */
.about-split { display: grid; grid-template-columns: 1fr 1.6fr; gap: 3.5rem; align-items: center; }
.about-photo img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; }
.photo-quote { margin: 1.2rem 0 0; padding: 1rem 1.2rem; border-left: 4px solid var(--marigold); background: var(--cream); border-radius: 0 var(--radius) var(--radius) 0; font-style: italic; font-size: 1.05rem; color: var(--fern); line-height: 1.5; }
.about-text h2 { margin-bottom: 1rem; }
.about-text p  { margin-bottom: 1rem; font-size: 1.02rem; }

/* TAGS */
.tag-list { display: flex; flex-wrap: wrap; gap: 0.6rem; margin: 1.25rem 0; }
.tag { background: var(--fern-pale); color: var(--fern-dark); border: 1px solid var(--fern-light); border-radius: 50px; padding: 0.35rem 0.9rem; font-size: 0.88rem; font-weight: 700; }
.tag-marigold { background: var(--marigold-pale); color: #7a4d00; border-color: var(--marigold-lt); }

/* VETERAN BADGE */
.veteran-badge { display: inline-block; background: var(--fern-dark); color: white; border-radius: var(--radius); padding: 0.5rem 1.1rem; font-size: 0.9rem; font-weight: 700; margin-top: 0.5rem; }

/* CTA BANNER */
.cta-banner { background: linear-gradient(135deg, var(--fern-dark), var(--fern)); padding: 4rem 0; text-align: center; }
.cta-banner h2 { color: white; margin-bottom: 0.75rem; }
.cta-banner p  { color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 2rem; }
.cta-btns { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* SERVICE BLOCKS */
.service-block { padding: 3.5rem 0; border-bottom: 1px solid var(--border); }
.service-block:last-of-type { border-bottom: none; }
.service-block-inner { display: grid; grid-template-columns: 1fr 2.2fr; gap: 2.5rem; align-items: start; }
.service-icon-col { text-align: center; padding-top: 0.5rem; }
.service-big-icon { font-size: 4rem; display: block; margin-bottom: 0.75rem; }
.service-label { background: var(--fern-dark); color: white; border-radius: 6px; padding: 0.4rem 0.9rem; font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; display: inline-block; }
.service-content h2 { color: var(--fern-dark); margin-bottom: 0.75rem; font-size: 1.5rem; }
.service-content .question-lead { font-size: 1.05rem; color: var(--fern); font-style: italic; font-weight: 600; margin-bottom: 1rem; border-left: 4px solid var(--marigold); padding-left: 0.75rem; }
.service-content p { color: var(--text-mid); margin-bottom: 0.75rem; }
.service-bullets { list-style: none; margin: 1rem 0; }
.service-bullets li { padding: 0.35rem 0; color: var(--text-mid); font-size: 0.97rem; }
.service-bullets li::before { content: "✓ "; color: var(--fern); font-weight: 800; }
.callout-box { background: var(--marigold-pale); border: 2px solid var(--marigold); border-radius: var(--radius); padding: 1rem 1.25rem; margin-top: 1rem; font-size: 0.93rem; color: var(--text-mid); }
.callout-box strong { color: #7a4d00; }

/* FAQ */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 1rem; overflow: hidden; background: var(--white); }
.faq-question { width: 100%; background: none; border: none; text-align: left; padding: 1.25rem 1.5rem; font-family: var(--font-serif); font-size: 1.05rem; font-weight: 700; color: var(--fern-dark); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; transition: background 0.2s; }
.faq-question:hover { background: var(--fern-pale); }
.faq-question.open { background: var(--fern-pale); }
.faq-icon { font-size: 1.3rem; color: var(--fern); flex-shrink: 0; transition: transform 0.3s; }
.faq-question.open .faq-icon { transform: rotate(45deg); }
.faq-answer { display: none; padding: 0 1.5rem 1.25rem; color: var(--text-mid); font-size: 0.97rem; line-height: 1.7; border-top: 1px solid var(--border); }
.faq-answer.open { display: block; }
.faq-category-title { font-family: var(--font-serif); font-size: 1.3rem; color: var(--fern-dark); margin: 2.5rem 0 1rem; font-weight: 700; border-left: 4px solid var(--marigold); padding-left: 0.75rem; }

/* CONTACT */
.contact-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 3.5rem; align-items: start; }
.contact-form-wrap { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2.5rem; box-shadow: var(--shadow); }
.contact-form-wrap h2 { color: var(--fern-dark); margin-bottom: 1.5rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 700; font-size: 0.95rem; color: var(--text); margin-bottom: 0.4rem; }
.form-group input,
.form-group select,
.form-group textarea { width: 100%; padding: 0.75rem 1rem; font-family: var(--font-sans); font-size: 1rem; color: var(--text); background: var(--cream); border: 2px solid var(--border); border-radius: var(--radius); transition: border-color 0.2s, background 0.2s; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--fern); background: white; }
.form-group textarea { min-height: 120px; resize: vertical; }
.contact-info-col h3 { color: var(--fern-dark); margin-bottom: 1.25rem; }
.contact-info-item { display: flex; gap: 1rem; align-items: flex-start; margin-bottom: 1.5rem; }
.contact-info-icon { font-size: 1.6rem; flex-shrink: 0; margin-top: 0.1rem; }
.contact-info-item p { margin: 0; font-size: 0.97rem; }
.contact-info-item a { color: var(--fern-dark); font-weight: 700; text-decoration: none; }
.contact-info-item a:hover { color: var(--fern); }
.contact-info-item strong { display: block; font-weight: 700; color: var(--text); margin-bottom: 0.15rem; }

/* BOOKING */
.booking-intro { text-align: center; max-width: 680px; margin: 0 auto 2.5rem; }
.booking-intro p { font-size: 1.05rem; color: var(--text-mid); }
.calendly-wrap { max-width: 900px; margin: 0 auto; border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.prefer-call { text-align: center; margin-top: 2.5rem; padding: 2rem; background: var(--fern-pale); border-radius: var(--radius-lg); border: 1px solid var(--border); }
.prefer-call p { color: var(--text-mid); margin-bottom: 0.75rem; font-size: 1.05rem; }

/* PROMISE */
.promise-box { max-width: 780px; margin: 0 auto; text-align: center; }
.promise-box p { font-size: 1.05rem; margin-bottom: 1rem; }
.promise-tagline { font-size: 1.3rem; font-weight: 800; color: var(--fern); font-family: var(--font-serif); margin-top: 1.5rem !important; }

/* FOOTER */
.footer { background: var(--fern-dark); color: rgba(255,255,255,0.85); padding: 3.5rem 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1.4fr; gap: 3rem; padding-bottom: 2.5rem; }
.footer-brand img { height: 52px; width: auto; margin-bottom: 1rem; }
.footer-brand p { font-size: 0.9rem; color: rgba(255,255,255,0.7); line-height: 1.6; }
.footer h4 { color: var(--marigold-lt); font-family: var(--font-serif); font-size: 1rem; margin-bottom: 1rem; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 0.5rem; }
.footer-links a { color: rgba(255,255,255,0.75); text-decoration: none; font-size: 0.93rem; transition: color 0.2s; }
.footer-links a:hover { color: var(--marigold-lt); }
.footer-contact p { font-size: 0.93rem; margin-bottom: 0.6rem; color: rgba(255,255,255,0.8); }
.footer-contact a { color: rgba(255,255,255,0.85); text-decoration: none; }
.footer-contact a:hover { color: var(--marigold-lt); }
.footer-disclaimer { font-size: 0.78rem; color: rgba(255,255,255,0.45); border-top: 1px solid rgba(255,255,255,0.1); padding: 1.5rem 0; line-height: 1.6; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 1.25rem 0; text-align: center; font-size: 0.82rem; color: rgba(255,255,255,0.45); }
.footer-bottom a { color: rgba(255,255,255,0.45); }
.footer-bottom a:hover { color: var(--marigold-lt); }

/* ROADMAP */
.roadmap-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }
.roadmap-card { background: var(--white); border: 2px solid var(--border); border-radius: var(--radius-lg); padding: 2rem 1.75rem; box-shadow: var(--shadow); transition: transform 0.2s, box-shadow 0.2s; text-decoration: none; display: block; }
.roadmap-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--fern-light); }
.roadmap-card .roadmap-icon { font-size: 2.8rem; margin-bottom: 1rem; }
.roadmap-card h3 { color: var(--fern-dark); margin-bottom: 0.5rem; font-size: 1.25rem; }
.roadmap-card p { font-size: 0.95rem; color: var(--text-light); margin-bottom: 1rem; }
.roadmap-card .roadmap-cta { color: var(--fern); font-weight: 700; font-size: 0.95rem; display: flex; align-items: center; gap: 0.4rem; }
.roadmap-card:hover .roadmap-cta { color: var(--fern-dark); }
.roadmap-card.featured { border-color: var(--marigold); background: var(--marigold-pale); }
.roadmap-card.featured h3 { color: #7a4d00; }
.roadmap-card.featured .roadmap-cta { color: #7a4d00; }

/* FAMILY PHOTO SECTION */
.family-split { display: grid; grid-template-columns: 1.2fr 1fr; gap: 3.5rem; align-items: center; }
.family-photo img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; }
.family-text h2 { margin-bottom: 1rem; }
.family-text p { margin-bottom: 1rem; font-size: 1.02rem; }

/* LEGAL PAGES */
.legal-wrap { max-width: 820px; margin: 0 auto; }
.legal-body h2 { color: var(--fern-dark); font-size: 1.3rem; margin: 2rem 0 0.5rem; }
.legal-body h3 { color: var(--fern); font-size: 1.05rem; margin: 1.25rem 0 0.4rem; }
.legal-body p, .legal-body li { color: var(--text-mid); font-size: 0.97rem; line-height: 1.8; }
.legal-body ul { padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-body ul li { margin-bottom: 0.4rem; }
.legal-updated { font-size: 0.85rem; color: var(--text-light); margin-bottom: 2rem; }
.legal-card { background: var(--fern-pale); border-left: 4px solid var(--fern); border-radius: var(--radius); padding: 1.25rem 1.5rem; margin: 1.5rem 0; }
.legal-card p { margin-bottom: 0; }

/* FORM SUCCESS */
.form-success { text-align: center; padding: 2rem; background: var(--fern-pale); border-radius: var(--radius); border: 2px solid var(--fern-light); }
.form-success h3 { color: var(--fern-dark); margin-bottom: 0.5rem; }

/* SKIP LINK */
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--marigold); color: var(--fern-dark); padding: 0.5rem 1rem; font-weight: 700; z-index: 9999; border-radius: 0 0 6px 0; }
.skip-link:focus { left: 0; }

/* NAV PHONE */
.nav-phone { color: var(--marigold-lt) !important; font-weight: 700 !important; border: 1px solid rgba(249,166,32,0.5) !important; border-radius: 20px !important; padding: 0.3rem 0.85rem !important; font-size: 0.92rem !important; white-space: nowrap; }
.nav-phone:hover { background: rgba(249,166,32,0.15) !important; color: var(--marigold) !important; }

/* NAV EMPLOYER BADGE */
.nav-employer { color: rgba(255,255,255,0.65) !important; font-weight: 600 !important; border: 1px solid rgba(255,255,255,0.22) !important; border-radius: 20px !important; padding: 0.28rem 0.8rem !important; font-size: 0.8rem !important; white-space: nowrap; letter-spacing: 0.01em; }
.nav-employer:hover { background: rgba(255,255,255,0.1) !important; color: rgba(255,255,255,0.92) !important; border-color: rgba(255,255,255,0.4) !important; }

/* FOOTER COMPLIANCE */
.footer-compliance { border-top: 1px solid rgba(255,255,255,0.1); padding: 1.5rem 0; }
.footer-compliance p { font-size: 0.78rem; color: rgba(255,255,255,0.45); line-height: 1.6; margin-bottom: 0.5rem; }
.footer-compliance a { color: rgba(255,255,255,0.55); text-decoration: underline; }
.footer-compliance a:hover { color: var(--marigold-lt); }

/* MEDICARE 101 PAGE */
.m101-intro { max-width: 720px; margin: 0 auto 3rem; text-align: center; }
.m101-intro p { font-size: 1.1rem; color: var(--text-mid); }
.parts-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.5rem; }
.part-card { background: var(--white); border: 2px solid var(--border); border-radius: var(--radius-lg); padding: 2rem 1.75rem; box-shadow: var(--shadow); }
.part-card-header { display: flex; align-items: center; gap: 1rem; margin-bottom: 1rem; }
.part-letter { width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-family: var(--font-serif); font-size: 1.4rem; font-weight: 800; color: white; flex-shrink: 0; }
.part-letter-a { background: var(--fern-dark); }
.part-letter-b { background: var(--fern); }
.part-letter-c { background: var(--marigold); color: var(--fern-dark); }
.part-letter-d { background: var(--fern-light); }
.part-card h3 { color: var(--fern-dark); margin-bottom: 0; font-size: 1.15rem; }
.part-card p  { font-size: 0.97rem; color: var(--text-mid); margin-bottom: 0.5rem; }
.part-card .covers { font-size: 0.9rem; color: var(--text-light); border-top: 1px solid var(--border); padding-top: 0.75rem; margin-top: 0.75rem; }
.timeline-wrap { max-width: 760px; margin: 0 auto; }
.timeline-item { display: flex; gap: 1.5rem; margin-bottom: 2rem; align-items: flex-start; }
.timeline-dot { width: 48px; height: 48px; background: var(--fern); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: white; font-weight: 800; font-size: 1.1rem; flex-shrink: 0; margin-top: 0.2rem; }
.timeline-content h3 { color: var(--fern-dark); margin-bottom: 0.3rem; font-size: 1.1rem; }
.timeline-content p { font-size: 0.97rem; color: var(--text-mid); margin: 0; }

/* CONSULTATION PAGE */
.consult-hero-split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; max-width: 960px; margin: 0 auto; }
.consult-benefits { list-style: none; margin: 1.25rem 0; }
.consult-benefits li { display: flex; align-items: center; gap: 0.75rem; padding: 0.6rem 0; font-size: 1.02rem; color: var(--text-mid); border-bottom: 1px solid var(--border); }
.consult-benefits li:last-child { border-bottom: none; }
.consult-benefits .check { color: var(--fern); font-size: 1.2rem; font-weight: 800; flex-shrink: 0; }
.consult-form-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 2.5rem; box-shadow: var(--shadow-lg); }
.consult-form-card h2 { color: var(--fern-dark); margin-bottom: 0.5rem; font-size: 1.6rem; }
.consult-form-card .sub { font-size: 1rem; color: var(--text-light); margin-bottom: 1.75rem; }
.consult-tcpa { font-size: 0.8rem; color: var(--text-light); margin-top: 0.75rem; line-height: 1.5; }

/* COMPARISON TABLE */
.compare-table-wrap { overflow-x: auto; margin: 2rem 0; }
.compare-table { width: 100%; border-collapse: collapse; font-size: 0.97rem; }
.compare-table th { background: var(--fern-dark); color: white; padding: 1rem 1.25rem; text-align: left; font-family: var(--font-serif); font-size: 1rem; }
.compare-table th:first-child { background: var(--fern); }
.compare-table td { padding: 0.85rem 1.25rem; border-bottom: 1px solid var(--border); vertical-align: top; color: var(--text-mid); }
.compare-table tr:nth-child(even) td { background: var(--cream); }
.compare-table td:first-child { font-weight: 700; color: var(--text); }
.compare-table .yes { color: var(--fern); font-weight: 700; }
.compare-table .no  { color: #b85c5c; }

/* 404 PAGE */
.error-page { min-height: 70vh; display: flex; align-items: center; text-align: center; }
.error-code { font-size: clamp(5rem, 15vw, 9rem); font-family: var(--font-serif); color: var(--fern-pale); line-height: 1; font-weight: 800; }
.error-page h1 { font-size: clamp(1.5rem, 3vw, 2.2rem); color: var(--fern-dark); margin-bottom: 0.75rem; }
.error-page p { font-size: 1.1rem; color: var(--text-mid); max-width: 520px; margin: 0 auto 2rem; }

/* TWO COL GRID */
.two-col-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }

/* RESPONSIVE */
@media (max-width: 900px) {
  .about-split         { grid-template-columns: 1fr; }
  .family-split        { grid-template-columns: 1fr; }
  .contact-grid        { grid-template-columns: 1fr; }
  .footer-grid         { grid-template-columns: 1fr 1fr; }
  .service-block-inner { grid-template-columns: 1fr; }
  .service-icon-col    { text-align: left; display: flex; align-items: center; gap: 1rem; }
  .consult-hero-split  { grid-template-columns: 1fr; gap: 2.5rem; }
}
@media (max-width: 700px) {
  html { font-size: 16px; }

  /* COVERAGE PATH — medicare-101.html */
  .path-grid { grid-template-columns: 1fr !important; gap: 0.75rem !important; }
  .path-grid > div:nth-child(2) { display: flex; justify-content: center; padding: 0.5rem 0; }

  /* TWO-COLUMN GRIDS — collapse to 1 column on mobile */
  .two-col-grid  { grid-template-columns: 1fr !important; }
  .form-row      { grid-template-columns: 1fr !important; }
  .scenario-row  { grid-template-columns: 1fr !important; }
  .two-col       { grid-template-columns: 1fr !important; }
  .compare-grid  { grid-template-columns: 1fr !important; }

  /* NAV */
  .nav-inner { height: 70px; }
  .nav-logo img { height: 60px; }
  .nav-links { display: none; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--fern-dark); padding: 1rem 5% 1.5rem; gap: 0.25rem; box-shadow: 0 8px 24px rgba(0,0,0,0.2); z-index: 998; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 0.75rem 1rem; font-size: 1rem; border-radius: 8px; }
  .nav-toggle { display: flex; }
  .nav-phone { margin-top: 0.25rem; text-align: center; justify-content: center; }
  .nav-cta   { margin-top: 0.25rem; text-align: center; }
  .nav-employer { border: none !important; color: rgba(255,255,255,0.75) !important; font-size: 1rem !important; padding: 0.75rem 1rem !important; border-radius: 8px !important; letter-spacing: 0; }

  /* HERO */
  .hero { min-height: auto; padding: 90px 0 60px; }
  .hero::after { display: none; }
  .hero h1 { font-size: clamp(1.8rem, 7vw, 2.5rem); }
  .hero .subtitle { font-size: 1rem; }
  .hero-btns { flex-direction: column; align-items: stretch; }
  .hero-btns .btn { text-align: center; }
  .hero-trust { justify-content: center; }

  /* PAGE HERO */
  .page-hero { padding: 95px 0 40px; }
  .page-hero h1 { font-size: clamp(1.6rem, 6vw, 2rem); }
  .page-hero p  { font-size: 1rem; }

  /* SECTIONS */
  .section { padding: 3rem 0; }
  .section-header { margin-bottom: 2rem; }

  /* LAYOUTS */
  .footer-grid         { grid-template-columns: 1fr; gap: 2rem; }
  .cards-grid          { grid-template-columns: 1fr; }
  .steps               { grid-template-columns: 1fr; }
  .consult-hero-split  { grid-template-columns: 1fr; gap: 2rem; }
  .parts-grid          { grid-template-columns: 1fr; }
  .roadmap-grid        { grid-template-columns: 1fr; }

  /* CTA */
  .cta-btns { flex-direction: column; align-items: center; }
  .cta-btns .btn { width: 100%; max-width: 360px; text-align: center; }

  /* CONTACT FORM */
  .contact-form-wrap { padding: 1.75rem 1.25rem; }
  .consult-form-card { padding: 1.75rem 1.25rem; }

  /* CARDS */
  .card { padding: 1.5rem 1.25rem; }

  /* BUTTONS — make large CTAs full-width on small screens */
  .btn-lg { font-size: 1rem; padding: 0.85rem 1.5rem; }

  /* SERVICE BLOCKS */
  .service-block { padding: 2.5rem 0; }

  /* TRUST BAR */
  .trust-bar-inner { gap: 0.75rem 1.5rem; }
  .trust-item { font-size: 0.9rem; }

  /* TIMELINE */
  .timeline-item { gap: 1rem; }
  .timeline-dot { width: 38px; height: 38px; font-size: 0.95rem; flex-shrink: 0; }

  /* COMPARISON TABLE — allow horizontal scroll */
  .compare-table-wrap { -webkit-overflow-scrolling: touch; }
  .compare-table { font-size: 0.88rem; }
  .compare-table th, .compare-table td { padding: 0.65rem 0.9rem; }

  /* FOOTER */
  .footer { padding: 2.5rem 0 0; }
  .footer-brand img { height: 44px; }
}
@media (max-width: 480px) {
  html { font-size: 15px; }
  .container { padding: 0 5%; }
  .section   { padding: 2.5rem 0; }
  .hero      { padding: 80px 0 50px; }
  .page-hero { padding: 85px 0 35px; }
  .hero h1   { font-size: clamp(1.6rem, 8vw, 2.2rem); }
  .cta-banner { padding: 2.5rem 0; }
  .contact-form-wrap { padding: 1.25rem 1rem; }
  .consult-form-card { padding: 1.25rem 1rem; }
  .card      { padding: 1.25rem 1rem; }
  .step      { padding: 1.5rem 1rem; }
  .faq-question { padding: 1rem 1.25rem; font-size: 0.97rem; }
  .faq-answer   { padding: 0 1.25rem 1rem; }
  .footer-grid  { gap: 1.5rem; }
  h1 { font-size: clamp(1.5rem, 7vw, 2rem); }
  h2 { font-size: clamp(1.25rem, 5vw, 1.6rem); }
}