:root{--cream:#faf8f4;--paper:#fffdf9;--ink:#292620;--muted:#6e6960;--terracotta:#c76f52;--terracotta-dark:#a95139;--blue:#365f78;--blue-light:#eaf1f3;--sage:#e8ede5;--line:#e8e3db}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.6 Arial,sans-serif}a{color:inherit;text-decoration:none}button{font:inherit;cursor:pointer}.container{width:min(1160px,calc(100% - 40px));margin:auto}.skip-link{position:absolute;left:10px;top:-60px;z-index:100;padding:10px;background:white}.skip-link:focus{top:10px}.eyebrow{color:var(--terracotta-dark);font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Georgia,serif;font-weight:500}h1{font-size:clamp(44px,6vw,78px);line-height:1.07;letter-spacing:-.045em;margin:18px 0 24px}h2{font-size:clamp(34px,4vw,53px);line-height:1.12;letter-spacing:-.035em}h3{font-size:23px;line-height:1.2}p{color:var(--muted)}.button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:50px;padding:12px 22px;border:1px solid transparent;border-radius:8px;background:var(--terracotta);color:white;font-weight:700;transition:background .2s,transform .2s}.button:hover{background:var(--terracotta-dark);transform:translateY(-2px)}.button-outline{background:transparent;border-color:#bcb5aa;color:var(--ink)}.button-outline:hover{background:white}.topbar{background:var(--blue);color:white;font-size:13px}.topbar-inner{display:flex;justify-content:space-between;gap:16px;padding:8px 0}.topbar a{font-weight:700}.site-header{background:var(--paper);border-bottom:1px solid var(--line)}.navigation{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:86px}.brand{display:block;flex:none}.brand img{display:block;width:190px;max-width:100%;height:auto}.nav-links{display:flex;gap:30px;align-items:center;font-size:14px;font-weight:700}.nav-links a:hover,footer a:hover{color:var(--terracotta)}.nav-cta{min-height:42px;font-size:14px}.menu-toggle{display:none;background:none;border:0;font-size:27px}.hero{padding:90px 0 105px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:75px}.lead{max-width:540px;font-size:18px}.hero-actions,.contact-actions{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0 34px}.hero-note{border-left:3px solid var(--terracotta);padding-left:16px;font-size:14px}.hero-art{position:relative;min-height:515px;background:var(--blue-light);border-radius:180px 180px 22px 22px;overflow:hidden}.hero-art:before{content:"";position:absolute;width:440px;height:440px;border-radius:50%;background:#d8e6e9;top:65px;left:50%;transform:translateX(-50%)}.hero-art:after{content:"";position:absolute;width:290px;height:350px;bottom:-50px;left:50%;transform:translateX(-50%);border-radius:145px 145px 50px 50px;background:var(--blue);box-shadow:0 -145px 0 -87px #d29b78}.portrait-head{position:absolute;z-index:1;width:124px;height:150px;top:150px;left:50%;transform:translateX(-50%);background:#d29b78;border-radius:46% 46% 44% 44%}.portrait-head:before{content:"";position:absolute;left:-5px;top:-22px;width:134px;height:66px;border-radius:80px 80px 28px 20px;background:#e5e4da}.portrait-head:after{content:"◡";position:absolute;top:51px;left:41px;font-size:36px;color:#785442}.float-card{position:absolute;z-index:3;bottom:40px;left:25px;max-width:220px;padding:18px 20px;background:var(--paper);border-radius:14px;box-shadow:0 18px 45px #26374420;font-size:13px;line-height:1.4}.float-card strong{display:block;color:var(--blue);font-size:19px;margin-bottom:3px}section{padding:88px 0}.section-head{max-width:660px;margin-bottom:38px}.section-head p{font-size:17px}.overview,.learning,.contact{background:var(--paper)}.split{display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:center}.illustration{min-height:390px;border-radius:22px;background:var(--sage);display:grid;place-items:center;position:relative}.illustration-circle{width:235px;height:235px;border-radius:50%;background:#cbd9d2;display:grid;place-items:center;color:var(--blue);font:100px Georgia,serif}.mini-card{position:absolute;right:25px;bottom:28px;background:white;border-radius:12px;padding:16px 22px;box-shadow:0 10px 25px #273c3020;color:var(--blue);font-weight:700}.checks{list-style:none;padding:0;margin:24px 0 30px}.checks li{padding:9px 0 9px 35px;position:relative}.checks li:before{content:"✓";position:absolute;left:0;top:9px;color:var(--terracotta);font-weight:900}.card-grid,.learning-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{padding:30px;background:var(--paper);border:1px solid var(--line);border-radius:15px}.icon{width:46px;height:46px;display:grid;place-items:center;border-radius:12px;background:var(--blue-light);color:var(--blue);font-size:22px;margin-bottom:25px}.card p{margin-bottom:0;font-size:15px}.blue-section{background:var(--blue);color:white}.blue-section .eyebrow{color:#f0b79f}.blue-section>.container>.section-head p{color:#e3edf0}.blue-section .card{color:var(--ink)}.learning-card{border:1px solid var(--line);border-radius:15px;overflow:hidden}.learning-visual{height:140px;display:grid;place-items:center;background:var(--sage);color:var(--blue);font:68px Georgia,serif}.learning-card:nth-child(2) .learning-visual{background:#f2e6dd;color:var(--terracotta-dark)}.learning-card:nth-child(3) .learning-visual{background:var(--blue-light)}.learning-body{padding:25px}.learning-body a,.phone-link{color:var(--terracotta-dark);font-weight:700}.cta{background:#efe8df;text-align:center}.cta p{max-width:570px;margin:0 auto 28px}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:80px}.contact-panel{padding:36px;background:var(--cream);border:1px solid var(--line);border-radius:18px}.contact-panel small{color:var(--muted)}footer{background:#262b2b;color:white;padding:62px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}footer p,footer span{color:#bbc5c3}.footer-grid a:not(.brand){display:block;margin:8px 0;font-size:14px}.footer-brand{display:inline-block;background:white;padding:8px;border-radius:4px}.fineprint{border-top:1px solid #ffffff25;padding-top:22px;margin-top:45px;font-size:11px;line-height:1.7}.fineprint a{text-decoration:underline}@media(max-width:1000px){.nav-links{gap:14px}.navigation{gap:14px}}@media(max-width:850px){.nav-links{display:none;position:absolute;top:100%;left:0;right:0;z-index:10;background:var(--paper);padding:22px;box-shadow:0 18px 25px #0001;flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.site-header{position:relative}.menu-toggle{display:block;margin-left:auto}.nav-cta{display:none}.hero-grid,.split,.contact-grid{grid-template-columns:1fr;gap:38px}.hero{padding:55px 0 70px}.hero-art{min-height:420px}.card-grid,.learning-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.topbar-inner{flex-direction:column;gap:0}section{padding:65px 0}.hero-art{min-height:360px}.portrait-head{top:105px}.card-grid,.learning-grid,.footer-grid{grid-template-columns:1fr}.float-card{left:14px;bottom:18px}}

/* Hero image: replace assets/hero.jpg with your own licensed photograph. */
.hero-art{border-radius:180px 180px 22px 22px;background:var(--blue-light)}
.hero-art:before,.hero-art:after{content:none}
.hero-photo{display:block;width:100%;height:515px;object-fit:cover;object-position:center}
.legal-links{display:flex;flex-wrap:wrap;gap:20px;margin-top:32px;font-size:14px}
.legal-links a{text-decoration:underline}
.legal-page{background:var(--paper);min-height:65vh}
.legal-content{max-width:780px}
.legal-content h2{font-size:27px;margin-top:36px}
.legal-content a{color:var(--blue);text-decoration:underline}
.legal-content #markdown-content{line-height:1.65}
.legal-content #markdown-content p{white-space:pre-line;margin:0 0 1.15em;color:var(--ink)}
.legal-content #markdown-content .legal-list-line{padding-left:1.45em;text-indent:-1.45em;margin-bottom:.85em}
.legal-content #markdown-content h2,.legal-content #markdown-content h3{margin:1.5em 0 .55em;line-height:1.25}
.legal-content #markdown-content .legal-section-heading{font-size:clamp(22px,3vw,28px);font-weight:600;margin:1.8em 0 .65em;letter-spacing:-.015em}
.policy-alert{padding:20px;border-left:4px solid var(--terracotta);background:var(--cream);margin:25px 0}
@media(max-width:850px){.hero-photo{height:420px}}
@media(max-width:600px){.hero-photo{height:360px}}

/* Medicare Advantage overview photo. Replace assets/images/overview.jpg independently. */
.illustration{overflow:hidden;background:var(--sage)}
.overview-photo{display:block;width:100%;height:390px;object-fit:cover;object-position:center}
.image-error{display:block;padding:20px;color:var(--ink);font-size:14px;background:var(--sage)}
.illustration>.image-error{align-self:center;justify-self:center;max-width:80%;text-align:center}
img[hidden]{display:none!important}

/* Inquiry form */
.form-grid{align-items:start;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:20px 0}
.form-grid label{display:grid;gap:6px;color:var(--ink);font-size:14px;font-weight:700}
.form-grid input,.form-grid select{width:100%;min-height:47px;padding:10px 12px;border:1px solid #c8c5bd;border-radius:8px;background:white;color:var(--ink)}
.form-grid input:focus,.form-grid select:focus{outline:2px solid var(--blue);outline-offset:2px}
.consent-row{display:flex;align-items:flex-start;gap:10px;font-size:14px;line-height:1.5}
.consent-row input{margin-top:5px;flex:none}
.consent-row a{text-decoration:underline;color:var(--blue)}
.form-hint{font-size:12px;margin:9px 0 17px}
.form-status{font-size:14px;margin:14px 0 0}
.contact-panel button:disabled{opacity:.6;cursor:wait}
.consent-copy{border-top:1px solid var(--line);padding-top:20px;font-size:13px;line-height:1.55}
.consent-copy p{margin-bottom:14px}
.consent-copy .consent-intro{font-weight:700;color:var(--ink)}
.consent-copy a,.consent-call a{color:var(--blue);text-decoration:underline}
.consent-options{display:grid;gap:16px;margin:20px 0}
.consent-row{padding:14px;background:white;border:1px solid var(--line);border-radius:8px}
.consent-row.field-error{border:2px solid #b42318;background:#fff4f2}
.form-grid label.field-error input,.form-grid label.field-error select{border:2px solid #b42318;background:#fff4f2}
.form-grid label.field-error{color:#9f251c}
.consent-row.field-error:focus-within,.form-grid label.field-error:focus-within{outline:2px solid #b42318;outline-offset:2px}
.field-help{display:block;color:#9f251c;font-size:12px;font-weight:700;margin-top:3px}
.field-help[hidden]{display:none}
.consent-requirement{font-size:13px;color:var(--ink);margin:18px 0 8px}
.consent-requirement a{color:var(--blue);text-decoration:underline;font-weight:700}
.consent-row{display:grid;grid-template-columns:auto 1fr;column-gap:10px}
.consent-row .field-help{grid-column:2}
.consent-call{font-size:13px;margin:18px 0}
@media(max-width:600px){.form-grid{grid-template-columns:1fr}}

.next-steps-page{background:var(--paper);min-height:65vh}
.next-steps-layout{display:grid;grid-template-columns:1.15fr .85fr;gap:80px;align-items:center}
.next-steps-layout h1{max-width:690px}
.next-steps-layout>div>p:not(.request-notice){max-width:590px}
.request-notice{border-left:4px solid var(--terracotta);padding:14px 18px;background:var(--cream);max-width:610px;color:var(--ink)}
.next-steps-card{padding:40px;border-radius:20px;background:var(--sage)}
.next-steps-card h2{font-size:38px;margin:12px 0 20px}
.tty-note{margin:14px 0 0;font-size:14px}
@media(max-width:850px){.next-steps-layout{grid-template-columns:1fr;gap:38px}}
.mini-card{z-index:1}

/* Medicare learning guides */
#learning .learning-grid,.guide-list .learning-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
#learning .learning-card:nth-child(4) .learning-visual{background:#f4eee5;color:var(--blue);font-size:48px}
.guide-all{margin:25px 0 0}.guide-all a,.guide-breadcrumb a,.guide-sources a,.guide-call a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}
.guide-hero{padding:85px 0 65px;background:var(--sage)}.guide-hero .lead{max-width:740px}.guide-list{background:var(--paper)}.guide-list .learning-card,.guide-more .learning-card{background:var(--cream)}.guide-list .learning-body{padding:32px}.guide-list h3{margin:14px 0}.guide-cta{padding:65px 0;background:#efe8df;text-align:center}.guide-breadcrumb{display:flex;flex-wrap:wrap;gap:10px;padding-top:26px;font-size:14px;color:var(--muted)}.guide-article{padding-top:58px;padding-bottom:80px}.guide-article>header{max-width:820px;margin-bottom:50px}.guide-columns{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:70px;align-items:start}.guide-prose{max-width:750px}.guide-section{padding:0 0 26px;margin-bottom:30px;border-bottom:1px solid var(--line)}.guide-section h2,.guide-sources h2{font-size:32px;margin-bottom:14px}.guide-section p{font-size:17px}.guide-sources ul{padding-left:20px}.guide-sources li{margin:9px 0}.guide-aside{background:var(--sage);padding:30px;border-radius:16px;position:sticky;top:24px}.guide-aside h2{font-size:29px}.guide-call{font-size:13px;margin:18px 0 0}.guide-more{background:var(--paper)}.guide-more .learning-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
@media(max-width:850px){.guide-columns{grid-template-columns:1fr;gap:20px}.guide-aside{position:static}.guide-more .learning-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){#learning .learning-grid,.guide-list .learning-grid,.guide-more .learning-grid{grid-template-columns:1fr}.guide-hero{padding:65px 0 45px}.guide-article{padding-top:40px;padding-bottom:60px}}

/* About Medigap Life and office locations */
.about-us{background:#f0f2ec}.about-intro{display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:center;margin-bottom:48px}.about-intro h2{max-width:540px;margin:10px 0 0}.about-intro p{font-size:17px;color:var(--ink)}.about-text-link{color:var(--terracotta-dark);font-weight:700;text-decoration:underline;text-underline-offset:4px}.about-details{display:grid;grid-template-columns:minmax(290px,.85fr) minmax(0,1.15fr);gap:20px}.office-panel,.office-map-wrap{background:var(--paper);border:1px solid var(--line);border-radius:17px;overflow:hidden}.office-panel{padding:28px}.office-panel>p{font-size:14px}.office-options{display:grid;gap:10px;margin-top:22px}.office-option{display:grid;text-align:left;gap:4px;width:100%;padding:15px 17px;border-radius:10px;border:1px solid var(--line);background:var(--cream);color:var(--ink);line-height:1.45}.office-option:hover,.office-option:focus-visible{border-color:var(--blue)}.office-option:focus-visible{outline:2px solid var(--blue);outline-offset:2px}.office-option.is-active{border-color:var(--blue);background:var(--blue-light);box-shadow:inset 4px 0 var(--blue)}.office-option strong{font-size:15px}.office-option span{font-size:13px;color:var(--muted)}.office-map-wrap{display:flex;flex-direction:column}.about-hours{display:grid;grid-template-columns:1fr 2fr;gap:36px;margin-top:20px;padding:32px;background:var(--paper);border:1px solid var(--line);border-radius:17px}.about-hours h3{margin:7px 0}.about-hours p{margin-bottom:0;font-size:14px}.about-hours dl{margin:0}.about-hours dl>div{display:flex;justify-content:space-between;gap:20px;padding:11px 0;border-bottom:1px solid var(--line)}.about-hours dl>div:last-child{border:0}.about-hours dt{font-weight:700}.about-hours dd{margin:0;white-space:nowrap;color:var(--blue)}
@media(max-width:850px){.about-intro,.about-details,.about-hours{grid-template-columns:1fr;gap:25px}}
@media(max-width:600px){.about-hours dl>div{display:grid;gap:3px}.about-hours dd{white-space:normal}}

/* About page form link */
.about-form-cta{display:flex;align-items:center;justify-content:space-between;gap:30px;margin-top:22px;padding:32px 38px;background:var(--blue);border-radius:17px;color:white}.about-form-cta h2{font-size:32px;margin:7px 0 9px}.about-form-cta p{color:#e3edf0;max-width:590px;margin:0}.about-form-cta .eyebrow{color:#f0b79f}.about-form-cta .button{flex:none}
@media(max-width:700px){.about-form-cta{flex-direction:column;align-items:flex-start;padding:28px}}



/* Frame a larger, authentic portion of each supplied portrait screenshot. */
.office-map-wrap{margin:0;align-self:start;display:block}.office-image{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover;object-position:center}.office-image-caption{display:grid;gap:7px;padding:17px 20px;background:var(--paper);color:var(--ink);font-size:14px;line-height:1.45}.office-image-caption small{color:var(--muted);font-size:12px}

/* One shared overlay pin; move by updating the selected office button coordinates. */
.office-image-stage{position:relative}.office-pin{--pin-x:32%;--pin-y:46%;position:absolute;left:var(--pin-x);top:var(--pin-y);width:34px;height:45px;transform:translate(-50%,-100%);pointer-events:none;filter:drop-shadow(0 2px 3px #17201c80)}.office-pin svg{display:block;width:100%;height:100%}

/* Homepage: give readers a clear place to start above the fold. */
.hero .lead{max-width:620px}.hero-start{max-width:610px;padding:19px 22px;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:10px;background:var(--paper)}.hero-start strong{display:block;font-size:16px}.hero-start p{margin:5px 0 12px;font-size:14px;line-height:1.55}.hero-start>div{display:flex;flex-wrap:wrap;gap:8px 22px}.hero-start a,.overview-form-link{color:var(--blue);font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:3px}.hero-start a:hover,.overview-form-link:hover{color:var(--terracotta-dark)}.overview .split>div:last-child>p{line-height:1.7;margin-bottom:14px}.overview-actions{display:flex;align-items:center;flex-wrap:wrap;gap:15px 24px}.overview-actions .button{min-height:46px}
@media(max-width:600px){.hero-start{padding:17px}.hero-start>div{display:grid}.overview-actions{align-items:flex-start;flex-direction:column}}
.hero-start{display:block;color:var(--ink);text-decoration:none;transition:border-color .2s,background .2s}.hero-start:hover,.hero-start:focus-visible{border-color:var(--blue);background:var(--blue-light);color:var(--ink)}.hero-start:focus-visible{outline:2px solid var(--blue);outline-offset:3px}.hero-start span{display:block;color:var(--muted);margin:5px 0 10px;font-size:14px;line-height:1.55}.hero-start b{color:var(--blue);font-size:14px}

/* Additional learning center topics */
.guide-extra{background:var(--cream)}.guide-extra-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.guide-extra-card{display:flex;flex-direction:column;align-items:flex-start;padding:28px;background:var(--paper);border:1px solid var(--line);border-radius:15px}.guide-extra-card h3{margin:9px 0 11px}.guide-extra-card p{font-size:15px;line-height:1.65;margin-bottom:22px}.guide-extra-card a{margin-top:auto;color:var(--blue);font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:3px}.guide-extra-card a:hover{color:var(--terracotta-dark)}
@media(max-width:650px){.guide-extra-grid{grid-template-columns:1fr}.guide-extra-card{padding:24px}}

/* Phone actions on the post-form page use blue; orange stays with form actions. */
.button-call{background:var(--blue);color:#fff}.button-call:hover{background:#28495d;color:#fff}

/* State combobox: only matching names or abbreviations remain visible. */
.state-field{position:relative}
.state-dropdown{position:absolute;top:70px;left:0;right:0;z-index:30;max-height:240px;overflow-y:auto;border:1px solid #c8c5bd;border-radius:8px;background:#fff;box-shadow:0 8px 20px rgba(0,0,0,.12);color:var(--ink);font-weight:400}
.state-list{display:block}
.state-option{display:flex;justify-content:space-between;gap:12px;padding:11px 12px;cursor:pointer}
.state-option:hover,.state-option[aria-selected="true"]{background:#eaf2fb}
.state-code{color:#536373;font-weight:600}
.state-no-matches{display:block;padding:12px;font-size:13px}
.state-dropdown[hidden],.state-option[hidden],.state-no-matches[hidden]{display:none}
#state-search-help{font-size:12px;font-weight:400;line-height:1.4}
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0}

/* Alliant partner disclosure remains distinct from our own legal links. */
.partner-affiliation{margin:16px 0 8px;font-weight:700}
.legal-links .alliant-privacy-link{color:#f5c5a8;font-weight:700;text-decoration:underline;text-underline-offset:3px}
.alliant-privacy-intro .alliant-privacy-link{color:var(--blue);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.alliant-privacy-link:focus-visible{outline:2px solid currentColor;outline-offset:4px}