/*
Theme Name: Medicare Agency Theme
Theme URI: https://turneyins.com
Author: Custom Build
Description: Custom Medicare insurance agency theme (refresh with gold CTA).
Version: 1.1.1
Text Domain: medicare-agency-theme
*/
:root{--primary:#295584;--cta:#E7B10A;--text:#333}
*{box-sizing:border-box}
body{margin:0;font-family:'Open Sans',Arial,sans-serif;font-size:18px;line-height:1.65;color:var(--text);background:#fff}
.container{width:90%;max-width:1200px;margin:0 auto}
body > header{background:#fff;color:#000;border-bottom:1px solid #e6e6e6}
.site-header{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:16px}
.logo img{display:block;max-height:80px;height:auto}
.primary-menu{list-style:none;margin:0;padding:0;display:flex;gap:22px;align-items:center}
.primary-menu li{margin:0}
.primary-menu a{color:#000;font-weight:600;text-decoration:none;padding:10px 0;transition:color .2s,text-shadow .2s}
.primary-menu a:hover,.primary-menu a:focus{color:var(--primary)}
.primary-menu .current-menu-item>a{color:var(--primary)}
.cta-button{background:var(--cta);color:#000;padding:12px 24px;border-radius:10px;font-weight:700;display:inline-block;box-shadow:0 3px 8px rgba(0,0,0,.12);text-decoration:none;transition:filter .2s,transform .05s}
.cta-button:hover,.cta-button:focus{filter:brightness(.92)}
.cta-button:active{transform:translateY(1px)}
.hero-section{background:linear-gradient(to right,#295584,#3b6e9d);padding:60px 0;color:#fff}
.hero-content{max-width:640px;text-align:left}
.hero-content h1{color:#fff;font-family:'Poppins',sans-serif;font-weight:700;font-size:4.0rem;margin:0 0 12px}
.hero-content p{color:#f0f0f0;font-size:1.15rem;margin:0 0 22px}
footer{background:#295584;color:#fff;padding:30px 0;font-size:14px;line-height:1.6;margin-top:40px}
.hero-text h1 {
    line-height: 1.2; /* Tightens spacing between lines */
}
/* Tighter hero headline */
.hero-section .hero-content h1 {
  line-height: 1.2 !important;   /* try 1.15 if you want tighter */
  margin-bottom: 8px !important;  /* optional: reduce space under the headline */
}
/* Hero: tighten subheadline + add vertical space */
.hero-section {
  padding-top: 96px !important;   /* more space above the text block */
  padding-bottom: 96px !important;/* more space below the button */
}

.hero-section .hero-content p {
  line-height: 1.35 !important;   /* tighter subheadline */
  margin-bottom: 20px !important;  /* balanced gap before the button */
}

/* Extra breathing room under the CTA button */
.hero-section .hero-content .cta-button {
  margin-top: 8px !important;
  margin-bottom: 28px !important;
}

/* (Optional) keep headline tight, matching your last change */
.hero-section .hero-content h1 {
  line-height: 1.2 !important;
  margin-bottom: 8px !important;
}

/* Mobile: slightly reduce big padding */
@media (max-width: 640px){
  .hero-section { 
    padding-top: 72px !important; 
    padding-bottom: 72px !important; 
  }
}
/* Bigger hero & vertically centered content */
.hero-section {
  display: flex;
  align-items: center;       /* vertical centering */
  min-height: 100vh;         /* full viewport height */
  padding-top: 0 !important; /* remove manual padding */
  padding-bottom: 0 !important;
}

.hero-section .hero-content {
  max-width: 700px;          /* keeps it from stretching too wide */
}

.hero-section .hero-content h1 {
  line-height: 1.2 !important;
  margin-bottom: 8px !important;
}

.hero-section .hero-content p {
  line-height: 1.35 !important;
  margin-bottom: 20px !important;
}

.hero-section .hero-content .cta-button {
  margin-top: 8px !important;
}
/* 70% height hero with gradient and vertical centering */
.hero-section {
  display: flex;
  align-items: center;  
  min-height: 70vh;  /* 70% of screen height */
  background: linear-gradient(to right, #295584, #3a6c9d); /* brand hex gradient */
  color: white; /* ensure text is visible */
}

.hero-section .hero-content {
  max-width: 700px;
}

.hero-section .hero-content h1 {
  line-height: 1.2 !important;
  margin-bottom: 8px !important;
  font-weight: 700;
}

.hero-section .hero-content p {
  line-height: 1.35 !important;
  margin-bottom: 20px !important;
  color: #f0f0f0; /* softer white for subheadline */
}

.hero-section .hero-content .cta-button {
  margin-top: 8px !important;
}
/* ===== Medicare Mega Menu ===== */

/* Parent needs positioning context */
.primary-nav, .site-navigation { position: relative; }

/* Show the panel on hover or keyboard focus */
.primary-menu > li.mega-menu { position: static; } /* allow full-width panel centering */
.primary-menu > li.mega-menu:hover > .sub-menu,
.primary-menu > li.mega-menu:focus-within > .sub-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

/* The panel */
.primary-menu > li.mega-menu > .sub-menu {
  position: absolute;
  left: 50%;
  top: 100%;
  transform: translate(-50%, 8px);
  width: min(1100px, 92vw);
  background: #f7f9fc;
  border: 1px solid #e7eef5;
  border-radius: 14px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.10);
  padding: 18px;
  display: grid;
  grid-template-columns: repeat(2, minmax(260px, 1fr));
  gap: 18px;
  opacity: 0;
  visibility: hidden;
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  z-index: 9999;
}

/* Strip default submenu styles */
.primary-menu > li.mega-menu > .sub-menu > li { list-style: none; margin: 0; padding: 0; }

/* Card link */
.primary-menu > li.mega-menu > .sub-menu > li > a {
  display: block;
  background: #ffffff;
  border: 1px solid #edf1f5;
  border-radius: 16px;
  padding: 16px 18px 16px 18px;
  text-decoration: none;
  box-shadow: 0 2px 10px rgba(0,0,0,0.06);
  transition: box-shadow .18s ease, transform .06s ease;
  color: #0f172a;            /* title color */
  font-weight: 700;          /* bold title */
}

/* Use Title Attribute as gray description beneath title */
.primary-menu > li.mega-menu > .sub-menu > li > a::after {
  content: attr(title);
  display: block;
  margin-top: 6px;
  color: #6b7280;            /* muted description */
  font-weight: 400;
  line-height: 1.4;
}

/* Chevron hint on the right */
.primary-menu > li.mega-menu > .sub-menu > li > a::before {
  content: '›';
  position: absolute;
  right: 16px;
  top: 16px;
  font-size: 22px;
  color: #c0c8d2;
}
.primary-menu > li.mega-menu > .sub-menu > li > a { position: relative; }

/* Hover/focus effect */
.primary-menu > li.mega-menu > .sub-menu > li > a:hover,
.primary-menu > li.mega-menu > .sub-menu > li > a:focus {
  box-shadow: 0 6px 18px rgba(0,0,0,0.10);
  transform: translateY(-1px);
  outline: none;
}

/* Keep top-level Medicare dark-on-white; brand on hover/active (you already set black default) */
.primary-menu > li.mega-menu > a:hover,
.primary-menu > li.mega-menu > a:focus { color: #295584; }

/* Mobile: fall back to simple stacked list (no absolute positioning) */
@media (max-width: 768px) {
  .primary-menu > li.mega-menu > .sub-menu {
    position: static;
    transform: none;
    width: 100%;
    opacity: 1;
    visibility: visible;
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
    box-shadow: none;
    border-radius: 10px;
    margin-top: 10px;
  }
}
/* === Medicare mega menu: fit on screen + tidy spacing === */

/* anchor context */
.primary-nav, .site-navigation { position: relative; }

/* show panel */
.primary-menu > li.mega-menu { position: static; }
.primary-menu > li.mega-menu:hover > .sub-menu,
.primary-menu > li.mega-menu:focus-within > .sub-menu {
  opacity: 1; visibility: visible; transform: translate(-50%, 6px);
}

/* the panel (smaller, never off-screen) */
.primary-menu > li.mega-menu > .sub-menu {
  position: absolute;
  left: 50%;
  top: 100%;
  transform: translate(-50%, 10px);
  width: clamp(560px, 70vw, 900px);          /* ↓ smaller + responsive */
  max-width: calc(100vw - 32px);             /* never overflow viewport */
  background: #f7f9fc;
  border: 1px solid #e7eef5;
  border-radius: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,.12);
  padding: 14px;                              /* tighter */
  display: grid;
  grid-template-columns: repeat(2, minmax(240px, 1fr));  /* two columns */
  gap: 14px;
  opacity: 0; visibility: hidden;
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  z-index: 9999;
}

/* cards */
.primary-menu > li.mega-menu > .sub-menu > li { margin: 0; padding: 0; list-style: none; }
.primary-menu > li.mega-menu > .sub-menu > li > a {
  position: relative;
  display: block;
  background: #fff;
  border: 1px solid #edf1f5;
  border-radius: 14px;
  padding: 14px 42px 14px 16px;               /* room for chevron */
  text-decoration: none;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
  transition: box-shadow .18s ease, transform .06s ease;
  color: #0f172a; font-weight: 700;
}

/* description pulled from Title Attribute */
.primary-menu > li.mega-menu > .sub-menu > li > a::after {
  content: attr(title);
  display: block;
  margin-top: 6px;
  color: #6b7280; font-weight: 400; line-height: 1.35;
}

/* chevron */
.primary-menu > li.mega-menu > .sub-menu > li > a::before {
  content: '›';
  position: absolute; right: 14px; top: 12px;
  font-size: 20px; color: #c0c8d2;
}

.primary-menu > li.mega-menu > .sub-menu > li > a:hover,
.primary-menu > li.mega-menu > .sub-menu > li > a:focus {
  box-shadow: 0 6px 16px rgba(0,0,0,.10);
  transform: translateY(-1px);
  outline: none;
}

/* mobile: single column, no absolute positioning */
@media (max-width: 768px){
  .primary-menu > li.mega-menu > .sub-menu{
    position: static;
    transform: none; width: 100%;
    opacity: 1; visibility: visible;
    grid-template-columns: 1fr; gap: 12px; padding: 12px;
    box-shadow: none; border-radius: 10px; margin-top: 8px;
  }
}
/* === Medicare mega menu: 25% smaller overall === */
.primary-menu > li.mega-menu > .sub-menu {
  position: absolute;
  left: 50%;
  top: 100%;
  transform: translate(-50%, 10px);
  width: clamp(420px, 52vw, 675px); /* reduced width */
  max-width: calc(100vw - 32px);
  background: #f7f9fc;
  border: 1px solid #e7eef5;
  border-radius: 10px; /* slightly smaller radius */
  box-shadow: 0 6px 18px rgba(0,0,0,.12);
  padding: 10px; /* tighter padding */
  display: grid;
  grid-template-columns: repeat(2, minmax(180px, 1fr));
  gap: 10px; /* smaller gap */
  opacity: 0; visibility: hidden;
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  z-index: 9999;
}

/* cards */
.primary-menu > li.mega-menu > .sub-menu > li > a {
  display: block;
  background: #fff;
  border: 1px solid #edf1f5;
  border-radius: 10px;
  padding: 10px 32px 10px 12px; /* reduced padding */
  font-size: 0.85rem; /* smaller text */
  line-height: 1.3;
}

/* description pulled from Title Attribute */
.primary-menu > li.mega-menu > .sub-menu > li > a::after {
  font-size: 0.75rem; /* smaller subtext */
  margin-top: 4px;
}

/* chevron */
.primary-menu > li.mega-menu > .sub-menu > li > a::before {
  right: 10px; top: 8px;
  font-size: 16px;
}

/* mobile: single column */
@media (max-width: 768px){
  .primary-menu > li.mega-menu > .sub-menu {
    position: static;
    transform: none; width: 100%;
    opacity: 1; visibility: visible;
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 8px;
    box-shadow: none; border-radius: 8px; margin-top: 6px;
  }
}
/* Caret for top-level Medicare item */
.primary-menu > li.mega-menu > a {
  position: relative;
  padding-right: 18px; /* room for caret */
}

.primary-menu > li.mega-menu > a::after {
  content: "▾";                /* caret */
  display: inline-block;
  margin-left: 8px;
  transition: transform .2s ease;
  transform-origin: 50% 55%;
  font-size: .85em;
}

/* Rotate when the submenu is visible (hover/focus/JS-open) */
.primary-menu > li.mega-menu:hover > a::after,
.primary-menu > li.mega-menu:focus-within > a::after,
.primary-menu > li.mega-menu.open > a::after {
  transform: rotate(180deg);
}
/* Increase spacing between all top-level menu items */
.primary-menu > li {
  margin: 0 18px; /* increase for more space */
}

/* Add consistent padding to links (including caret space) */
.primary-menu > li > a {
  padding: 10px 6px;
  display: inline-block;
}

/* Medicare caret spacing fix */
.primary-menu > li.mega-menu > a {
  padding-right: 22px; /* leaves room for caret */
}

/* Make caret spacing match */
.primary-menu > li.mega-menu > a::after {
  margin-left: 6px;
}
/* Slightly reduce spacing between top-level menu items */
.primary-menu > li {
  margin: 0 14px; /* was 18px */
}

/* Consistent padding for links */
.primary-menu > li > a {
  padding: 10px 6px;
  display: inline-block;
}

/* Medicare caret positioning without adding extra gap */
.primary-menu > li.mega-menu > a {
  padding-right: 6px; /* same as other links */
  position: relative;
}

/* Caret sits inside link without affecting spacing */
.primary-menu > li.mega-menu > a::after {
  content: "▼";
  font-size: 0.6em;
  margin-left: 6px;
  position: relative;
  top: -1px; /* aligns vertically with text */
}
/* ===== Intro heading under hero ===== */
.medicare-intro {
  padding: 56px 0 24px;                 /* space below hero + breathing room */
  text-align: center;
}
.medicare-intro__title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  line-height: 1.15;
  color: #295584;
  margin: 0 0 10px;
}
.medicare-intro__subtitle {
  font-size: 1.05rem;
  color: #4b5563;
  max-width: 780px;
  margin: 0 auto;
  line-height: 1.5;
}

/* ===== Three-card layout ===== */
.medicare-cards { padding: 12px 0 64px; } /* extra room below cards */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 18px;
}

/* Card look */
.card {
  position: relative;
  overflow: hidden;                     /* clips the top accent bar to the rounded corners */
  background: #ffffff;
  border: 1px solid #e7eef5;
  border-radius: 14px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.08);
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  min-height: 240px;                    /* keeps CTAs aligned */
}
/* Thin navy brand accent across the top of each card */
.card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: #295584;
}
.card__body { flex: 1; }
.card__title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  color: #0f172a;
  font-size: 1.35rem;
  margin: 0 0 10px;
}
.card__text {
  color: #4b5563;
  line-height: 1.55;
  margin: 0;
}

/* CTA: minimal navy text link with an arrow, pinned to the card bottom */
.card__cta {
  align-self: flex-start;
  margin-top: auto;          /* push to the bottom so cards align */
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 0;
  color: #295584;
  font-weight: 700;
  text-decoration: none;
  transition: color .2s ease, gap .15s ease;
}
.card__cta::after {
  content: "\2192";          /* → */
  transition: transform .15s ease;
}
/* Stretched link: makes the WHOLE card tappable */
.card__cta::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
}
.card__cta:hover,
.card__cta:focus { color: #1d3f63; text-decoration: none; }
.card:hover .card__cta::after { transform: translateX(3px); }

/* Slight hover lift for the whole card */
.card:hover { transform: translateY(-4px); box-shadow: 0 12px 26px rgba(0,0,0,.12); }

/* Mobile spacing tweaks */
@media (max-width: 640px){
  .medicare-intro { padding: 40px 0 18px; }
  .card { min-height: 0; }
}
/* Sticky header (simple + stable).
   Scoped to body > header so ONLY the site header sticks — page intro
   elements like <header class="hmw-intro"> are nested and stay in flow. */
body > header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;         /* ensure it covers content beneath */
  box-shadow: 0 1px 3px rgba(0,0,0,.06); /* subtle separation */
}

/* If you're logged in, sit below the WP admin bar */
body.admin-bar > header { top: 32px; }
@media (max-width: 782px){
  body.admin-bar > header { top: 46px; }
}
/* On phones WP un-pins the admin bar (it scrolls away), so don't reserve
   space for it — otherwise the sticky header leaves a gap while scrolling. */
@media (max-width: 600px){
  body.admin-bar > header { top: 0; }
}
/* Shrink-on-scroll animation for sticky header */
:root{
  --hdr-pad: 16px;   /* base header padding (top/bottom) */
  --logo-h: 64px;    /* base logo height (20% smaller) */
  --link-py: 10px;   /* base menu link padding-y */
}

body > header { transition: box-shadow .25s ease; }
.site-header{
  display:flex; align-items:center; justify-content:space-between;
  padding: var(--hdr-pad) 0;
  transition: padding .25s ease;
}
.logo img{
  max-height: var(--logo-h);
  height:auto; width:auto;
  transition: max-height .25s ease;
}
.primary-menu > li > a{
  padding: var(--link-py) 6px;
  transition: padding .25s ease, color .2s ease;
}

/* Compact state after scrolling */
body.header-compact .site-header{ padding: calc(var(--hdr-pad) * 0.6) 0; }
body.header-compact .logo img{ max-height: calc(var(--logo-h) * 0.75); }
body.header-compact .primary-menu > li > a{ padding: calc(var(--link-py) * 0.75) 6px; }
/* Mega Menu Container */
.primary-menu > li.mega-menu {
  position: static;
}

/* Sub-menu as boxed mega panel */
.primary-menu > li.mega-menu > .sub-menu {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 20px;
  padding: 20px;
  background: #fff;
  border-radius: 8px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.15);
  position: absolute;
  left: 50%;
  top: 100%;
  transform: translateX(-50%);
  z-index: 999;
  min-width: 600px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s ease;
}

/* Show on hover */
.primary-menu > li.mega-menu:hover > .sub-menu {
  opacity: 1;
  visibility: visible;
  transform: translate(-50%, 10px);
}

/* Individual box styles */
.primary-menu > li.mega-menu > .sub-menu > li {
  background: #f8f9fa;
  border: 1px solid #ddd;
  border-radius: 6px;
  padding: 15px;
  text-align: left;
  transition: background 0.2s ease;
}

.primary-menu > li.mega-menu > .sub-menu > li:hover {
  background: #e9ecef;
}

.primary-menu > li.mega-menu > .sub-menu > li > a {
  display: block;
  color: #000;
  font-weight: 600;
  text-decoration: none;
}
/* ===== Force Medicare mega menu to match sandbox ===== */

/* 1) Make sure the parent can position the panel */
.primary-nav, .site-navigation { position: relative; }
.primary-menu, .menu { list-style: none; margin: 0; padding: 0; display: flex; }

/* 2) Medicare parent with class 'mega-menu' */
.primary-menu > li.mega-menu,
.menu > li.mega-menu { position: static !important; }

/* Show panel */
.primary-menu > li.mega-menu:hover > .sub-menu,
.menu > li.mega-menu:hover > .sub-menu,
.primary-menu > li.mega-menu:focus-within > .sub-menu,
.menu > li.mega-menu:focus-within > .sub-menu,
.primary-menu > li.mega-menu.open > .sub-menu,
.menu > li.mega-menu.open > .sub-menu{
  opacity: 1; visibility: visible; transform: translate(-50%, 6px) !important;
}

/* 4) Reset host defaults that add weird padding/margins */
.primary-menu > li.mega-menu > .sub-menu > li,
.menu > li.mega-menu > .sub-menu > li{
  list-style: none !important;
  margin: 0 !important;
  padding: 0 !important;
  background: transparent !important;
  border: 0 !important;
}

/* Hover lift */
.primary-menu > li.mega-menu > .sub-menu > li > a:hover,
.menu > li.mega-menu > .sub-menu > li > a:hover{
  box-shadow: 0 6px 16px rgba(0,0,0,.10) !important;
  transform: translateY(-1px);
}

/* Mobile fallback: stacked list, no absolute positioning */
@media (max-width: 768px){
  .primary-menu > li.mega-menu > .sub-menu,
  .menu > li.mega-menu > .sub-menu{
    position: static !important;
    transform: none !important;
    width: 100% !important;
    opacity: 1; visibility: visible;
    grid-template-columns: 1fr !important;
    gap: 12px !important;
    padding: 12px !important;
    box-shadow: none !important;
    border-radius: 10px !important;
    margin-top: 8px !important;
  }
}
/* ===== Medicare Mega Menu – Reduced 25% ===== */

/* Panel (outer container) */
.primary-menu > li.mega-menu > .sub-menu,
.menu > li.mega-menu > .sub-menu{
  position: absolute !important;
  left: 50% !important;
  top: 100% !important;
  transform: translate(-50%, 10px) !important;
  width: clamp(420px, 52vw, 675px) !important; /* reduced from 560px min / 900px max */
  max-width: calc(100vw - 32px) !important;
  background: #f7f9fc !important;
  border: 1px solid #e7eef5 !important;
  border-radius: 12px !important; /* slightly smaller radius */
  box-shadow: 0 8px 24px rgba(0,0,0,.12) !important;
  padding: 14px !important; /* was 18px */
  display: grid !important;
  grid-template-columns: repeat(2, minmax(180px, 1fr)) !important; /* narrower min width */
  gap: 14px !important; /* was 18px */
  opacity: 0; visibility: hidden;
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
  z-index: 9999;
}

/* Each card link – smaller padding & font sizes */
.primary-menu > li.mega-menu > .sub-menu > li > a,
.menu > li.mega-menu > .sub-menu > li > a{
  position: relative !important;
  display: block !important;
  background: #fff !important;
  border: 1px solid #edf1f5 !important;
  border-radius: 12px !important; /* smaller corners */
  padding: 12px 34px 12px 14px !important; /* was 16px 42px 16px 18px */
  box-shadow: 0 2px 8px rgba(0,0,0,.06) !important;
  color: #0f172a !important;
  font-weight: 700 !important;
  text-decoration: none !important;
  line-height: 1.3 !important;
  font-size: 0.9rem !important; /* slightly smaller text */
}

/* Description text */
.primary-menu > li.mega-menu > .sub-menu > li > a::after,
.menu > li.mega-menu > .sub-menu > li > a::after{
  content: attr(title);
  display: block;
  margin-top: 5px;
  color: #6b7280;
  font-weight: 400;
  line-height: 1.4;
  font-size: 0.82rem; /* smaller description text */
}

/* Chevron – scaled down */
.primary-menu > li.mega-menu > .sub-menu > li > a::before,
.menu > li.mega-menu > .sub-menu > li > a::before{
  content: '›';
  position: absolute;
  right: 12px; top: 11px;
  font-size: 18px; /* was 22px */
  color: #c0c8d2;
}
/* Page-to-page fade transitions */
html { scroll-behavior: smooth; } /* nice anchor scrolling */

@media (prefers-reduced-motion: no-preference) {
  body { opacity: 0; transition: opacity .30s ease; }
  body.page-loaded { opacity: 1; }
  body.page-exit   { opacity: 0; }
}
/* Page transition: fade + subtle slide-up on the main content only */
@media (prefers-reduced-motion: no-preference) {
  /* baseline so old body fade doesn't flash */
  body { opacity: 1; }

  /* animate the content area instead of the whole page */
  body #content {
    opacity: 0;
    transform: translateY(12px);
    transition: opacity .32s ease, transform .32s ease;
  }
  body.page-loaded #content {
    opacity: 1;
    transform: translateY(0);
  }
  body.page-exit #content {
    opacity: 0;
    transform: translateY(12px);
  }

  /* slightly smaller slide on narrow screens */
  @media (max-width: 640px) {
    body #content { transform: translateY(8px); }
    body.page-exit #content { transform: translateY(8px); }
  }
}
/* Why Choose Us Section */
.why-choose-us {
  padding: 60px 0;
  background: rgba(41, 85, 132, 0.05); /* Soft brand hex tint */
}

.why-choose-container {
  display: flex;
  align-items: center;
  gap: 40px;
}

.why-choose-text {
  flex: 1;
}

.why-choose-text h2 {
  font-family: 'Poppins', sans-serif;
  font-size: 2rem;
  margin: 0 0 16px;
}

.why-choose-text ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.why-choose-text li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
  font-size: 1.05rem;
  color: #333;
}

.checkmark {
  color: #295584; /* Brand hex color */
  font-weight: 700;
  font-size: 1.3rem;
  line-height: 1;
}

.why-choose-image {
  flex: 1;
  text-align: right;
}

.why-choose-image img {
  max-width: 100%;
  height: auto;
  border-radius: 8px;
}

/* Responsive */
@media (max-width: 900px) {
  .why-choose-container {
    flex-direction: column;
    align-items: flex-start;
  }
  .why-choose-image {
    text-align: left;
    width: 100%;
  }
}
/* --- HMW: On-page TOC --- */
.hmw-toc {
  margin: 18px 0 26px;
  padding: 12px 14px;
  background: #f7f9fc;
  border: 1px solid #e7eef5;
  border-radius: 10px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.hmw-toc__label {
  font-weight: 700;
  color: #295584;
}
.hmw-toc ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 14px 20px;
  flex-wrap: wrap;
}
.hmw-toc a {
  text-decoration: none;
  font-weight: 600;
  color: #0f172a;
  padding: 6px 10px;
  border-radius: 8px;
  transition: background .2s ease, color .2s ease;
}
.hmw-toc a:hover,
.hmw-toc a:focus {
  background: #e9f0f8;
  color: #295584;
  outline: none;
}

/* Smooth anchor landing when header is sticky */
#parts, #medigap, #enroll, #guidance {
  scroll-margin-top: 96px;  /* adjust if your sticky header height changes */
}

/* (Already existing) HMW base styles for consistency */
.hmw-page { padding: 60px 0; background: #fff; }
.hmw-intro h1 {
  font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 2.4rem;
  color: #0f172a; margin: 0 0 14px;
}
.hmw-intro p {
  font-size: 1.08rem; line-height: 1.7; color: #374151; margin: 0 0 16px; max-width: 900px;
}
.hmw-section { margin: 36px 0; }
.hmw-section h2 {
  font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 1.6rem; color: #0f172a; margin: 0 0 12px;
}
.hmw-section p { font-size: 1.05rem; line-height: 1.7; color: #374151; max-width: 900px; margin: 0 0 8px; }

/* Brand checkmark list */
.hmw-checklist { list-style: none; padding: 0; margin: 0; max-width: 1000px; }
.hmw-checklist li {
  position: relative; padding-left: 28px; margin: 10px 0; line-height: 1.65; color: #374151; font-size: 1.05rem;
}
.hmw-checklist li::before {
  content: "✔"; position: absolute; left: 0; top: 0.1em; font-weight: 700; color: #E7B10A;
}
/* Related Article box styling */
.related-article {
  display: block;
  background: #f8f9fb;
  border: 1px solid #e7eef5;
  border-radius: 10px;
  padding: 20px;
  margin-top: 40px;
  text-decoration: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.related-article:hover {
  transform: translateY(-3px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.06);
}

.related-article-title {
  font-size: 18px;
  font-weight: 600;
  margin-bottom: 8px;
  color: #0a2540;
}

.related-article-desc {
  font-size: 15px;
  color: #5f6c7b;
}
.related-article-boxes {
  display: flex;
  gap: 20px;
  margin-top: 30px;
  justify-content: flex-start;
}

.related-article-boxes .home-box {
  display: block;
  background-color: #ffffff;
  border: 1px solid #e5e5e5;
  border-radius: 8px;
  text-decoration: none;
  color: inherit;
  box-shadow: 0 4px 6px rgba(0,0,0,0.08);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  width: 100%;
  max-width: 240px; /* Shrunk from ~300px */
  font-size: 90%;   /* Slightly smaller text */
}

.related-article-boxes .home-box:hover {
  transform: translateY(-3px);
  box-shadow: 0 5px 10px rgba(0,0,0,0.10);
}

.related-article-boxes .home-box-content {
  padding: 16px; /* Reduced padding */
}

.related-article-boxes .home-box-title {
  font-size: 1.05rem;
  margin-bottom: 6px;
  color: #003366; /* Brand navy */
}

.related-article-boxes .home-box-description {
  font-size: 0.9rem;
  color: #555;
}
.medigap-chart-wrapper {
    text-align: left;
    margin: 30px 0;
}

.medigap-chart {
    max-width: 50%;
    height: auto;
    border: 1px solid #ddd;
    border-radius: 6px;
    padding: 8px;
    background: #fff;
    box-shadow: 0 2px 6px rgba(0,0,0,0.1);
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
/* FAQ Accordion */
.faq-section h2 {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.6rem;
  color: #0f172a;
  margin-bottom: 12px;
}

.faq-accordion {
  border: 1px solid #e7eef5;
  border-radius: 12px;
  background: #fff;
  box-shadow: 0 4px 12px rgba(0,0,0,.05);
  overflow: hidden;
}

.faq-item + .faq-item { border-top: 1px solid #e7eef5; }

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  text-align: left;
  background: #fff;
  border: 0;
  padding: 16px 18px;
  font-weight: 700;
  color: #0f172a;
  cursor: pointer;
}

.faq-trigger:hover,
.faq-trigger:focus {
  background: #f8f9fb;
  outline: none;
}

.faq-caret {
  width: 20px; height: 20px; flex: 0 0 auto;
  fill: none; stroke: #295584; stroke-width: 2;
  transition: transform .2s ease;
}

.faq-trigger[aria-expanded="true"] .faq-caret { transform: rotate(180deg); }

.faq-panel {
  padding: 0 18px 16px 18px;
  color: #374151;
  line-height: 1.65;
}
/* FAQ smooth slide + fade (respects reduced motion) */
.faq-panel {
  overflow: hidden;
  max-height: 0;
  opacity: 0;
  padding: 0 18px;            /* collapsed padding (sides only) */
  transition:
    max-height .38s ease,
    opacity .28s ease,
    padding .38s ease;
  will-change: max-height, opacity;
}

.faq-panel.open {
  opacity: 1;
  /* top/bottom padding animates in */
  padding: 14px 18px;
}

/* Reduce motion for those who prefer it */
@media (prefers-reduced-motion: reduce) {
  .faq-panel {
    transition: none;
  }
}
.site-footer {
  background: #0d1b2a; /* navy brand */
  color: #fff;
  padding: 40px 20px;
  font-size: 15px;
}

.footer-container {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  gap: 40px;
}

.footer-column h4 {
  color: #f4c542; /* gold accent */
  margin-bottom: 12px;
  font-size: 16px;
}

.footer-column ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-column ul li {
  margin-bottom: 8px;
}

.footer-column ul li a {
  color: #fff;
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-column ul li a:hover {
  color: #f4c542;
}

.footer-bottom {
  text-align: center;
  margin-top: 30px;
  border-top: 1px solid rgba(255,255,255,0.2);
  padding-top: 15px;
  font-size: 14px;
  opacity: 0.8;
}
.site-footer {
  background: #0d1b2a;         /* dark navy */
  color: #fff;
  padding: 40px 20px;
  font-size: 15px;
}
.footer-container {
  max-width: 1200px;
  margin: 0 auto;
}
.footer-disclaimer {
  margin: 0 auto 25px auto;
  font-size: 13px;             /* smaller “fine print” */
  line-height: 1.6;
  color: rgba(255,255,255,0.75);
  max-width: 900px;
  text-align: center;          /* center the text */
}
.footer-columns {
  display: flex;
  flex-wrap: wrap;
  gap: 40px;
  justify-content: space-between;
}
.footer-column h4 {
  color: #f4c542;              /* gold accent */
  margin-bottom: 12px;
  font-size: 16px;
}
.footer-column ul { list-style: none; padding: 0; margin: 0; }
.footer-column li { margin-bottom: 8px; }
.footer-column a { color: #fff; text-decoration: none; }
.footer-column a:hover { color: #f4c542; }
.footer-bottom {
  text-align: center;
  margin-top: 30px;
  border-top: 1px solid rgba(255,255,255,0.2);
  padding-top: 15px;
  font-size: 14px;
  opacity: 0.85;
}
.footer-disclaimer {
  border-top: 1px solid rgba(255, 255, 255, 0.2); /* subtle divider */
  margin-top: 20px;
  padding-top: 20px;
  text-align: center;
  font-size: 0.9rem;
  color: #ccc; /* softer than main text */
  line-height: 1.5;
}
.site-footer h4 {
  color: #ffffff;       /* bright white for headings */
  font-weight: 600;
  font-size: 1.2rem;
  letter-spacing: 0.5px;
  margin-bottom: 10px;
}

.site-footer a {
  color: #cfd8dc;       /* soft gray-blue for links */
  text-decoration: none;
  transition: color 0.3s ease;
}

.site-footer a:hover {
  color: #ffffff;       /* hover brings links up to white */
}
.site-footer a:hover,
.site-footer a:focus {
  color: #005596;   /* replace with your exact brand hex blue */
  text-decoration: underline; /* optional, remove if you prefer no underline */
}
.site-footer a:hover,
.site-footer a:focus {
  color: #005596 !important;  /* brand hex blue */
  text-decoration: underline; /* optional */
}
/* Slimmer footer */
.site-footer {
  padding: 20px 0;   /* reduce top/bottom space */
}

.site-footer .footer-columns {
  gap: 20px;         /* tighter spacing between columns */
}

.site-footer h4 {
  margin-bottom: 8px; /* reduce heading → links gap */
  font-size: 1rem;    /* slightly smaller */
}

.site-footer ul li {
  margin-bottom: 4px; /* tighter link spacing */
}

.site-footer .footer-disclaimer {
  margin-top: 15px;
  font-size: 0.85rem;  /* smaller disclaimer text */
  line-height: 1.4;
}

.footer-bottom {
  margin-top: 10px;
  padding-top: 10px;
}
/* Hero with right-side transparent PNG */
.hero-section {
  background: linear-gradient(90deg, #295584 0%, #2e5e91 100%);
  color: #fff;
}
.hero-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  min-height: clamp(420px, 70vh, 720px);
  padding: 32px 0;
}
.hero-copy { max-width: 620px; }
.hero-copy h1 {
  color: #fff;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  line-height: 1.15;
  margin: 0 0 12px;
}
.hero-copy p { color: rgba(255,255,255,0.92); margin: 0 0 18px; }

.hero-media img {
  display: block;
  max-width: min(460px, 46vw);
  height: auto;
  border-radius: 0;
  box-shadow: none; /* remove the box effect */
}

/* Optional: tidy why-choose image if needed */
.why-choose-image img { border-radius: 12px; box-shadow: 0 10px 24px rgba(0,0,0,0.08); }

/* Stack hero on smaller screens */
@media (max-width: 900px) {
  .hero-wrap { flex-direction: column; align-items: flex-start; gap: 20px; min-height: auto; padding: 20px 0 24px; }
  .hero-media img { max-width: 100%; }
  .hero-copy { max-width: 100%; }
}
.hero-content h1 {
  font-size: clamp(2.5rem, 3vw, 3.25rem) !important;
  line-height: 1.2 !important;
}
.hero-section {
  position: relative; /* ensures child absolute positions inside this block */
  overflow: hidden;   /* hides any image overflow */
}

.hero-image img {
  position: absolute;
  bottom: 0;          /* locks to the very bottom of the hero */
  right: 0;           /* hugs the right margin */
  max-width: 40vw;    /* responsive scaling */
  height: auto;
  pointer-events: none; /* makes sure clicks pass through image */
}
/* Lock hero image to the gradient line */
.hero-section { position: relative; overflow: hidden; }

.hero-wrap { padding-bottom: 0; } /* remove extra bottom padding from hero */

.hero-media {
  position: absolute;
  right: min(24px, 3vw);
  bottom: -28px;          /* <-- adjust this number until it's perfect (e.g., -20 to -40) */
}

.hero-media img {
  display: block;
  width: clamp(360px, 42vw, 560px);  /* your desired size */
  height: auto;
  pointer-events: none;
}
.hero-media {
  position: absolute;
  bottom: 0;
  right: 0;          /* keeps it aligned to the right */
  margin-right: 24px; /* adjust this to match your container padding */
}

.hero-media img {
  max-width: 420px;  /* adjust size as needed */
  height: auto;
}
.hero-section .container { 
  position: relative; 
}

.hero-media {
  position: absolute;
  bottom: -28px;          /* vertical lock */
  right: 24px;            /* nudge left from container edge */
}

.hero-media img {
  max-width: clamp(360px, 42vw, 560px);
  height: auto;
}
/* --- HERO: force clean 2-line headline + image pinned to gradient --- */
.hero-section .container { 
  position: relative !important; 
}

/* Your headline class could be .hero-copy h1 or .hero-content h1 */
.hero-copy h1,
.hero-content h1 {
  font-size: clamp(2.2rem, 3.0vw, 3.2rem) !important;
  line-height: 1.12 !important;
  margin: 0 0 12px !important;
  max-width: 22ch !important;   /* keeps it ~2 lines */
  color: #fff !important;
}

/* Image wrapper must be .hero-media (from our PHP) */
.hero-media {
  position: absolute !important;
  right: 0 !important;            /* hugs container edge */
  bottom: -22px !important;       /* sits on gradient line; tweak ±5px if needed */
}

/* PNG sizing: scales on large screens, not oversized */
.hero-media img {
  display: block !important;
  width: clamp(380px, 34vw, 560px) !important;
  height: auto !important;
  box-shadow: none !important;    /* no “box” around transparent PNG */
}
/* Why Choose Us – image polish + responsiveness */
.why-choose-container {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr; /* text | image */
  align-items: center;
  gap: 28px;
}

.why-choose-image {
  justify-self: end;           /* align image block to the right */
  max-width: 520px;            /* cap size on large screens */
  width: 100%;
}

.why-choose-image img {
  display: block;
  width: 110%;                 /* responsive scaling */
  height: auto;                /* preserve aspect ratio */
  box-shadow: 0 4px 12px rgba(0,0,0,0.08); /* optional: subtle pop */
  border: none !important;
  outline: none !important;
  background: transparent !important;
  border-radius: 12px;         /* optional soft corners; remove if you want square */
}

/* Optional: fixed aspect for perfectly consistent card-like look */
.why-choose-image--framed {
  aspect-ratio: 4 / 3;         /* or 16/9 */
  overflow: hidden;
}
.why-choose-image--framed img {
  width: 100%; height: 100%;
  object-fit: cover;           /* crops gently to fill frame */
  border-radius: 12px;
}

/* Mobile stacking */
@media (max-width: 900px) {
  .why-choose-container {
    grid-template-columns: 1fr; 
    gap: 18px;
  }
  .why-choose-image {
    justify-self: start;       /* align left on mobile */
    max-width: 100%;
  }
}
.why-choose-image img {
  max-width: 75%;   /* try 75% of its column, adjust to taste */
  height: auto;
  display: block;
  margin: 0 auto;   /* keeps it centered horizontally */
}
/* === FIXED, NON-SCALING HERO === */
.hero-section {
  height: 510px;              /* set your fixed height */
  min-height: 510px;          /* belt & suspenders */
  display: block;
  overflow: hidden;           /* hide any overflow from the image */
  background: linear-gradient(to right, #295584, #3a6c9d); /* keep your brand gradient */
  color: #fff;
}

.hero-section .container {
  position: relative;
  height: 100%;               /* makes children fill the fixed hero */
  max-width: 1200px;          /* match other sections if needed */
  margin: 0 auto;
  padding: 0 24px;            /* match your site’s container padding */
}

.hero-wrap {
  display: flex;
  align-items: center;        /* vertical centering of text block */
  justify-content: space-between;
  height: 100%;
  gap: 32px;
}

/* Text block (fixed sizes — no clamps) */
.hero-copy { max-width: 620px; }
.hero-copy h1 {
  font-size: 48px;            /* ~3rem; adjust to taste */
  line-height: 1.12;
  margin: 0 0 12px;
  color: #fff;
}
.hero-copy p {
  font-size: 18px;
  line-height: 1.55;
  margin: 0 0 18px;
}

/* Image (fixed size + pinned to bottom/right) */
.hero-media {
  position: absolute;
  right: 0;                   /* hugs container edge */
  bottom: 0;                  /* sits on the gradient line */
}
.hero-media img {
  width: 420px;               /* fixed, non-scaling width */
  height: auto;
  display: block;
  box-shadow: none;
}
/* Lock hero copy in the vertical middle; never drift */
.hero-section { height: 510px; min-height: 510px; overflow: hidden; }
.hero-section .container { position: relative; height: 100%; }

/* Image stays fixed at the bottom-right */
.hero-media { position: absolute; right: 24px; bottom: 0; z-index: 1; }
.hero-media img { width: 380px; height: auto; display: block; }

/* Headline block: absolute center within the hero */
.hero-copy,
.hero-content {
  position: absolute !important;
  top: 50% !important;
  left: 24px !important;          /* match your container padding */
  transform: translateY(-50%) !important;
  margin: 0 !important;
  max-width: 620px;               /* your current text width */
  z-index: 2;                     /* above the illustration */
  align-self: auto !important;    /* neutralize any flex alignment */
}
/* Remove the white band above the footer */
.site-footer {
  margin-top: 0 !important;
  padding-top: 0 !important;   /* most likely culprit */
  border-top: none !important; /* if theme adds a top border */
}

/* Some themes draw a separator bar with a pseudo-element */
.site-footer::before,
.site-footer .footer-separator,
.site-footer .footer-top {
  content: none !important;
  display: none !important;
  border: 0 !important;
  height: 0 !important;
  padding: 0 !important;
  margin: 0 !important;
}
/* Add navy buffer above footer content */
.site-footer {
  margin-top: 0 !important;
  padding-top: 40px !important; /* adjust as needed */
  background: #0d1b2a; /* keep your dark navy */
}

/* Optional: add a clean divider line if you want more separation */
.site-footer::before {
  content: "";
  display: block;
  height: 20px; /* height of the navy strip above the footer */
  background: #0d1b2a;
  margin-top: -40px; /* pulls it snug against the section above */
}
.enrollment-process {
  padding: 60px 20px;
  background-color: #f9fafb;
  text-align: center;
}

.enrollment-process .section-title {
  font-size: 28px;
  font-weight: 700;
  margin-bottom: 40px;
  color: #295584;
}

.enrollment-process .steps {
  display: flex;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}

.enrollment-process .step {
  flex: 1;
  min-width: 250px;
  padding: 20px;
}

.enrollment-process .step .icon {
  margin-bottom: 15px;
}

.enrollment-process .step svg {
  width: 48px;
  height: 48px;
}

.enrollment-process .step h3 {
  font-size: 20px;
  font-weight: 600;
  margin-bottom: 10px;
}

.enrollment-process .step p {
  font-size: 15px;
  color: #555;
  line-height: 1.5;
}
/* Enrollment cards: bigger icons + interactive boxes */
.enrollment-process .steps {
  gap: 24px; /* tighten/space evenly */
}

.enrollment-process .step {
  background: #ffffff;
  border: 1px solid rgba(41, 85, 132, 0.15); /* brand-tinted border */
  border-radius: 14px;
  padding: 22px 20px;
  box-shadow: 0 6px 16px rgba(0,0,0,0.06);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.enrollment-process .step:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 24px rgba(0,0,0,0.08);
  border-color: rgba(41, 85, 132, 0.25);
}

/* Keyboard focus (accessibility) */
.enrollment-process .step:focus-within {
  outline: 2px solid #295584;
  outline-offset: 3px;
}

/* Icon container flair */
.enrollment-process .step .icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px;
  background: rgba(41, 85, 132, 0.10); /* soft brand tint */
  border-radius: 12px;
  margin-bottom: 12px;
}

/* Bigger SVG icons, on brand */
.enrollment-process .step svg {
  width: 64px;   /* was 48px */
  height: 64px;  /* was 48px */
  fill: #295584; /* brand hex */
}

/* Headings and text inside cards */
.enrollment-process .step h3 {
  margin: 10px 0 8px;
  font-weight: 700;
  color: #0e1d2f;
}

.enrollment-process .step p {
  margin: 0;
  color: #4a5568;
  line-height: 1.55;
  font-size: 0.98rem;
}
/* White background for enrollment section */
.enrollment-process {
  background: #ffffff;
}
/* Why Choose Us - White Background */
.why-choose-us {
  background: #ffffff;
}

/* Enrollment Process - Faint Background */
.enrollment-process {
  background: #f8f9fa; /* subtle off-white/gray */
}
/* Make "Path to Enrollment" match "Why Choose Us" */
.enrollment-process h2,
.enrollment-process .section-title,
.enroll-title {
  font-family: 'Poppins', sans-serif !important;
  font-weight: 700 !important;
  color: #295584 !important;
  font-size: 2rem !important;   /* match size */
  line-height: 1.2 !important;
  margin-bottom: 2rem !important;
}
/* Force "Path to Enrollment" heading to black */
body .enrollment-process h2,
body .enrollment-process .section-title,
body .enroll-title {
  font-family: 'Poppins', sans-serif !important;
  font-weight: 700 !important;
  color: #000000 !important;   /* black */
  font-size: 2rem !important;
  line-height: 1.2 !important;
  margin-bottom: 2rem !important;
}
/* ===== Enrollment – distinctive card style ===== */
.enrollment-process { background: #f6f8fb; padding: 56px 0; }
.enrollment-process .steps {
  display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 22px;
  counter-reset: enroll;
}

/* Card */
.enrollment-process .step {
  position: relative;
  background: #fff;
  border-radius: 16px;
  padding: 22px 20px 20px 20px;
  box-shadow: 0 10px 28px rgba(0,0,0,0.06);
  border: 1px solid rgba(41,85,132,0.12);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  overflow: hidden;
}

/* Brand accent bar on the left */
.enrollment-process .step::before {
  content: "";
  position: absolute; inset: 0 auto 0 0; width: 6px;
  background: linear-gradient(180deg, #295584 0%, #3b6ca0 100%);
}

/* Number badge (auto 1–3) */
.enrollment-process .step::after {
  counter-increment: enroll;
  content: counter(enroll);
  position: absolute; top: 14px; right: 14px;
  width: 36px; height: 36px; border-radius: 999px;
  display: grid; place-items: center;
  background: rgba(41,85,132,0.10);
  color: #295584; font-weight: 700; font-size: 0.95rem;
}

/* Icon in soft circle */
.enrollment-process .step .icon {
  width: 64px; height: 64px; border-radius: 50%;
  background: radial-gradient(120% 120% at 30% 20%, rgba(41,85,132,.18), rgba(41,85,132,.08));
  display: grid; place-items: center;
  margin-bottom: 12px;
}
.enrollment-process .step svg { width: 34px; height: 34px; fill: #295584; }

/* Titles & text */
.enrollment-process .step h3 {
  margin: 6px 0 8px; font-weight: 700; color: #0e1d2f; letter-spacing: .2px;
}
.enrollment-process .step p {
  margin: 0; color: #475569; line-height: 1.55; font-size: 0.98rem;
}

/* Interaction */
.enrollment-process .step:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 32px rgba(0,0,0,0.08);
  border-color: rgba(41,85,132,0.22);
}
.enrollment-process .step:focus-within {
  outline: 2px solid #295584; outline-offset: 4px;
}

/* Subtle stagger for visual rhythm (desktop only) */
@media (min-width: 901px){
  .enrollment-process .step:nth-child(2){ transform: translateY(6px); }
  .enrollment-process .step:nth-child(3){ transform: translateY(12px); }
  .enrollment-process .step:nth-child(2):hover{ transform: translateY(2px); }
  .enrollment-process .step:nth-child(3):hover{ transform: translateY(8px); }
}

/* Mobile stack */
@media (max-width: 900px){
  .enrollment-process { padding: 40px 0; }
  .enrollment-process .steps { grid-template-columns: 1fr; gap: 14px; }
  .enrollment-process .step::after { top: 12px; right: 12px; }
}
/* Match enrollment step text styling to .card boxes */
.enrollment-process .step h3 {
  font-size: 1.25rem;   /* same as .card__title */
  font-weight: 600;
  margin-bottom: 8px;
  color: #333;          /* adjust if you want darker */
}

.enrollment-process .step p {
  font-size: 1rem;      /* same as .card__text */
  line-height: 1.5;
  color: #555;          /* matches body text in cards */
}
/* Ensure extra space below the enrollment section */
.enrollment-process,
.enrollment-process .container {
  padding-bottom: 40px !important; /* adjust as needed */
}

/* Prevent margin-collapsing eating the bottom space */
.enrollment-process {
  overflow: hidden;            /* creates a new block formatting context */
}

/* If the next section’s negative/large margins are swallowing space, add a guard */
.enrollment-process + section {
  margin-top: 24px !important; /* small separation after enrollment */
}
/* Left-align content inside Enrollment boxes */
.enrollment-process .step,
.enrollment-process .step h3,
.enrollment-process .step p {
  text-align: left !important;
}

/* If you wrapped the box with <a class="step-link">, keep its layout left too */
.enrollment-process .step .step-link {
  align-items: flex-start !important;
}

/* Enrollment process box alignment fix */
.enrollment-process .step {
  display: flex;
  flex-direction: column;
  align-items: flex-start; /* aligns circle + text to the left */
  text-align: left;
}

.enrollment-process .step .icon {
  display: flex;
  justify-content: center;  /* keeps <i> centered inside the circle */
  align-items: center;
  margin-left: 0;           /* no offset */
}
.medicare-education {
  background: #f9fafb; /* faint background like enrollment section */
  padding: 60px 20px;
}

.medicare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr; /* equal split image/text */
  gap: 40px;
  align-items: center;
}

.medicare-right h2 {
  font-size: 2rem;
  line-height: 1.15;
  color: #295584;
  margin-bottom: 16px;
}

.medicare-right p {
  font-size: 1.125rem;
  color: #475569;
  line-height: 1.6;
  margin-bottom: 24px;
}

/* Mobile responsive */
@media (max-width: 900px) {
  .medicare-grid {
    grid-template-columns: 1fr;
    text-align: left;
  }
  .medicare-right {
    margin-top: 20px;
  }
}
/* Medicare Education section text alignment fix */
.medicare-right {
  max-width: 580px;   /* same width constraint as Why Choose Us */
  margin: 0 auto 0 0; /* keeps it aligned left inside its column */
}
/* =======================
   Terms of Service Page
   ======================= */
.terms-page {
  padding: 40px 20px;
}

.terms-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.terms-container h1 {
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 10px;
}

.terms-date {
  font-size: 0.95rem;
  color: #666;
  margin-bottom: 30px;
}

.terms-content h2 {
  font-size: 1.25rem;
  margin-top: 25px;
  margin-bottom: 10px;
  color: var(--primary-color);
}

.terms-content p,
.terms-content ul {
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 16px;
  color: #333;
}

.terms-content ul {
  padding-left: 20px;
  list-style-type: disc;
}
/* Privacy Policy */
.privacy-page { padding: 40px 20px; }
.privacy-page .hmw-container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.privacy-meta { color:#666; margin-bottom: 30px; }
.privacy-content h2 { color: var(--primary-color); font-size:1.25rem; margin:25px 0 10px; }
.privacy-content p, .privacy-content ul { line-height:1.6; margin-bottom:16px; color:#333; }
.privacy-content ul { padding-left:20px; list-style:disc; }
/* ===============================
   TIA — MOBILE OVERRIDES (safe)
   Paste at very bottom of CSS
   =============================== */

/* Visibility helpers you can apply in the editor */
.is-desktop-only { display: inherit; }
.is-mobile-only  { display: none; }

@media (max-width: 768px){

  /* 0) Global comfort */
  html, body { font-size: 16px; line-height: 1.6; }

  /* 1) Header simpler on phones */
  .site-header { gap: 10px; }
  .primary-menu { gap: 12px; }
  /* If you have extra header bands/links, wrap them in .is-desktop-only in the editor */

  /* 2) Hero: force stacked, readable, left-aligned, no overlapping image */
  .hero-section { min-height: auto !important; height: auto !important; padding: 40px 0 0 !important; }
  /* Drop the extra 24px container padding so hero copy lines up with the
     logo / rest of the site (the 90% container width sets the margin). */
  .hero-section .container { padding-left: 0 !important; padding-right: 0 !important; }
  .hero-wrap { display: block !important; height: auto !important; text-align: left !important; }
  .hero-copy, .hero-content { position: static !important; transform: none !important; max-width: 100% !important; text-align: left !important; }
  .hero-copy h1, .hero-content h1 { font-size: 2rem !important; line-height: 1.2 !important; }
  .hero-copy p, .hero-content p { font-size: 1rem !important; }
  .hero-media { position: static !important; margin: 16px 0 0 0 !important; text-align: left !important; }
  /* Full content width so the image matches the text block's left/right edges. */
  .hero-media img { width: 100% !important; max-width: 100% !important; height: auto !important; display: block !important; margin: 0 !important; }

  /* 3) Grids → single column */
  /* Keep a consistent gap between the stacked cards (display:block kills
     the grid gap, so use a flex column instead). */
  .cards-grid {
    display: flex !important;
    flex-direction: column !important;
    gap: 16px !important;
  }
  .why-choose-container,
  .medicare-grid { display: block !important; }
  .card { min-height: 0 !important; margin: 0 !important; }
  /* Even gap between the body text and the Learn More link. */
  .card__cta { margin-top: 14px !important; }
  .why-choose-image img,
  .medicare-left img { max-width: 100% !important; margin: 0 !important; }

  /* 4) Make tight components breathe */
  .medicare-intro { padding: 32px 0 16px !important; }
  .enrollment-process { padding: 32px 0 !important; }
  .enrollment-process .steps { display: block !important; }
  .enrollment-process .step { margin-bottom: 14px !important; }

  /* 5) Footer: stack into a clean, left-aligned single column on phones */
  .site-footer { padding: 32px 20px 28px !important; }
  .footer-container {
    flex-direction: column !important;
    gap: 26px !important;
    text-align: left !important;
  }
  .footer-column { width: 100% !important; }
  .footer-disclaimer { text-align: center !important; }

  /* 6) Medigap chart fits screen */
  .medigap-chart { max-width: 100% !important; }

  /* 7) Related article boxes → 1 per row */
  .related-article-boxes { display: block !important; }
  .related-article-boxes .home-box { max-width: none !important; margin-bottom: 12px; }

  /* 8) Hide complex elements you don’t need on phones (optional helper class) */
  .hide-on-mobile { display: none !important; }
}


/* Make it easy to selectively hide blocks on mobile from the editor */
@media (min-width: 769px){ .is-mobile-only { display: none !important; } }
@media (max-width: 768px){ .is-desktop-only { display: none !important; } }

.hero-section {
  background: linear-gradient(
    to bottom right,
    #295584,  /* brand hex blue */
    #0b1a2a   /* deep navy */
  );
}
.umbrella-chart {
    max-width: 65%;
    height: auto;
    border: 1px solid #ddd;
    border-radius: 6px;
    padding: 8px;
    background: #fff;
    box-shadow: 0 2px 6px rgba(0,0,0,0.1);
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
/* Interaction */
.umbrella-chart:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 32px rgba(0,0,0,0.08);
  border-color: rgba(41,85,132,0.22);
}
/* Interaction */
.medigap-chart:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 32px rgba(0,0,0,0.08);
  border-color: rgba(41,85,132,0.22);
}

.medicare-education-left {
  text-align: center;
}

.medicare-education-left img {
  display: block;
  width: 320px;
  max-width: 100%;
  height: auto;
  border-radius: 12px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
  margin: 0 auto;
}

img.medicare-education-left {
  margin: 0 auto;
}

/* =========================================================
   TIA — MOBILE NAVIGATION (added 2026-06-03)
   Real hamburger + slide-down panel. The desktop nav is a
   flex/mega-menu with no mobile fallback, so phones get a
   working toggle here. Replaces the dead .tia-sticky-cta /
   hamburger artifacts elsewhere in this file.
   ========================================================= */

/* Hidden on desktop; revealed inside the mobile breakpoint. */
.nav-toggle { display: none; }
.primary-nav .nav-cta { display: none; }

/* Click-to-call phone link in the header. */
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}
.header-phone:hover,
.header-phone:focus { color: #1d3f63; }
.header-phone__icon {
  width: 16px;
  height: 16px;
  fill: currentColor;
  flex: 0 0 auto;
}

/* Desktop: phone sits centered under the Schedule button. */
.header-cta {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}
.header-phone--desktop { font-size: .95rem; }

/* Mobile-only phone (left of the hamburger) is hidden on desktop. */
.header-phone--mobile { display: none; }

@media (max-width: 900px) {
  /* Top bar shows logo + phone + hamburger; desktop CTA hides. */
  .header-cta { display: none; }

  /* Use the compact header size by default on phones (no grow-on-scroll
     jump) so the hamburger is always visible above the fold. */
  .site-header,
  body.header-compact .site-header { padding: 8px 0; }
  .logo img,
  body.header-compact .logo img { max-height: 44px; }

  /* Mobile phone sits just left of the hamburger. */
  .header-phone--mobile {
    display: inline-flex;
    margin-left: auto;
    margin-right: 14px;
    font-size: .95rem;
  }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 48px;
    height: 48px;
    padding: 0;
    margin: 0;
    background: transparent;
    border: 0;
    cursor: pointer;
    color: var(--primary);
    -webkit-tap-highlight-color: transparent;
    position: relative;   /* keep the tap target above the phone link */
    z-index: 1101;
    flex: 0 0 auto;        /* never let it shrink/clip on narrow phones */
  }
  .nav-toggle__box {
    position: relative;
    display: block;
    width: 26px;
    height: 20px;
  }
  .nav-toggle__bar,
  .nav-toggle__bar::before,
  .nav-toggle__bar::after {
    content: "";
    position: absolute;
    left: 0;
    width: 26px;
    height: 3px;
    border-radius: 3px;
    background: var(--primary);
    transition: transform .25s ease, opacity .2s ease, top .25s ease, background .1s ease;
  }
  .nav-toggle__bar { top: 50%; transform: translateY(-50%); }
  .nav-toggle__bar::before { top: -8px; }
  .nav-toggle__bar::after  { top: 8px; }

  /* Hamburger morphs into an X when open. */
  .nav-toggle[aria-expanded="true"] .nav-toggle__bar { background: transparent; }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bar::before { top: 0; transform: rotate(45deg); }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bar::after  { top: 0; transform: rotate(-45deg); }

  /* The slide-down panel, anchored under the sticky header. */
  .primary-nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    background: #fff;
    border-bottom: 1px solid #e6e6e6;
    box-shadow: 0 8px 20px rgba(0,0,0,.12);
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    visibility: hidden;
    transition: max-height .3s ease, opacity .25s ease, visibility .25s ease;
    z-index: 1000;
  }
  .primary-nav.is-open {
    max-height: calc(100vh - 88px);
    overflow-y: auto;
    opacity: 1;
    visibility: visible;
  }

  /* Menu list stacks vertically. */
  .primary-menu {
    display: block;
    gap: 0;
    width: 90%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 8px 0;
  }
  .primary-menu > li {
    width: 100%;
    margin: 0;
    border-bottom: 1px solid #f0f0f0;
  }
  .primary-menu > li > a {
    display: block;
    padding: 14px 6px;
    font-size: 1.05rem;
  }

  /* Sub-menus become tap accordions — no hover panels on touch. */
  .primary-menu .sub-menu,
  .primary-menu > li.mega-menu > .sub-menu {
    position: static;
    display: none;
    grid-template-columns: 1fr;
    width: auto;
    min-width: 0;
    max-width: none;
    margin: 0;
    padding: 0 0 8px 16px;
    background: transparent;
    border: 0;
    box-shadow: none;
    transform: none;
    opacity: 1;
    visibility: visible;
  }
  .primary-menu li:hover > .sub-menu,
  .primary-menu li:focus-within > .sub-menu,
  .primary-menu > li.mega-menu:hover > .sub-menu,
  .primary-menu > li.mega-menu:focus-within > .sub-menu {
    display: none;
  }
  .primary-menu li.submenu-open > .sub-menu,
  .primary-menu > li.mega-menu.submenu-open > .sub-menu {
    display: block;
  }
  .primary-menu .sub-menu > li > a {
    padding: 10px 6px;
    font-size: 1rem;
  }

  /* CTA lives inside the open panel on mobile. */
  .primary-nav .nav-cta {
    display: block;
    width: 90%;
    max-width: 1200px;
    margin: 14px auto 18px;
    text-align: center;
  }

  /* Lock background scroll while the menu is open. */
  body.nav-open { overflow: hidden; }
}

/* =========================================================
   MEET THE FOUNDER (replaces the old enrollment section)
   ========================================================= */
.founder-section {
  background: #f8f9fa;
  padding: 60px 0;
}
.founder-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  grid-template-areas:
    "photo title"
    "photo note";
  column-gap: 44px;
  row-gap: 0;
  align-items: center;
}
.founder-photo {
  grid-area: photo;
  align-self: center;
  justify-self: center;
  max-width: 360px;
  width: 100%;
}
.founder-title { grid-area: title; }
.founder-note { grid-area: note; }
.founder-photo img {
  display: block;
  width: 100%;
  height: auto;
  background: #fff;
  padding: 10px;
  border-radius: 16px;
  box-shadow: 0 12px 30px rgba(0,0,0,0.14);
}
.founder-title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  line-height: 1.15;
  color: #295584;
  margin: 0 0 16px;
}
.founder-note p {
  color: #374151;
  line-height: 1.7;
  margin: 0 0 14px;
  font-size: 1.05rem;
}
.founder-signature {
  margin-top: 22px;
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  color: #0f172a;
  line-height: 1.3;
}
.founder-signature__title {
  display: block;
  font-family: 'Open Sans', Arial, sans-serif;
  font-weight: 400;
  font-size: 0.95rem;
  color: #6b7280;
}

@media (max-width: 900px) {
  /* Stack: heading, then headshot, then the note text. */
  .founder-grid {
    grid-template-columns: 1fr;
    grid-template-areas:
      "title"
      "photo"
      "note";
    gap: 20px;
  }
  .founder-photo {
    justify-self: center;
    max-width: 260px;
  }
}

/* =========================================================
   WHY CHOOSE US — 3 simple benefit blocks (replaces the
   old two-column text + cartoon layout)
   ========================================================= */
.why-choose-us {
  background: #ffffff;
  padding: 60px 0;
}
.why-choose-head {
  text-align: center;
  margin-bottom: 38px;
}
.why-choose-head h2 {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 2rem;
  line-height: 1.15;
  color: #295584;
  margin: 0 0 8px;
}
.why-choose-subtitle {
  color: #6b7280;
  font-size: 1.05rem;
  margin: 0;
}
.why-choose-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.why-item {
  text-align: center;
  padding: 0 8px;
}
.why-item__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  margin-bottom: 16px;
  border-radius: 50%;
  background: rgba(41, 85, 132, 0.10);
  color: #295584;
}
.why-item__icon svg {
  width: 32px;
  height: 32px;
  fill: currentColor;
}
.why-item__title {
  font-family: 'Poppins', sans-serif;
  font-weight: 700;
  font-size: 1.25rem;
  color: #0f172a;
  margin: 0 0 8px;
}
.why-item__text {
  color: #475569;
  line-height: 1.6;
  font-size: 1.02rem;
  margin: 0 auto;
  max-width: 320px;
}

@media (max-width: 768px) {
  .why-choose-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}