:root {
  --navy:#142b46;
  --blue:#276fe4;
  --teal:#168da0;
  --teal-dark:#0f7182;
  --ink:#26384c;
  --muted:#617184;
  --line:#dce5ec;
  --soft:#f4f8fb;
  --white:#fff;
  --shadow:0 18px 45px rgba(26,55,83,.12);
  --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--white);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.6}
a{color:inherit}
img{max-width:100%;display:block}
button,input,select{font:inherit}
.container{width:min(1160px,calc(100% - 40px));margin-inline:auto}
.narrow{width:min(780px,100%)}
.center{text-align:center}
.skip-link{position:fixed;left:12px;top:-60px;z-index:999;background:#fff;padding:10px 16px;border-radius:8px}.skip-link:focus{top:12px}
.site-header{height:84px;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(20,43,70,.08);position:sticky;top:0;z-index:50;backdrop-filter:blur(12px)}
.header-inner{height:100%;display:flex;align-items:center;gap:30px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:Georgia,serif;font-size:25px;white-space:nowrap}.brand strong{color:var(--teal)}
.brand-mark{width:40px;height:40px}
.site-logo{width:135px;height:auto;flex:0 0 auto}.footer-logo{width:180px;background:#fff;border-radius:8px;padding:4px}
.main-nav{display:flex;align-items:center;gap:30px;margin:auto}.main-nav a{text-decoration:none;font-size:14px;font-weight:650;color:#506173;transition:.2s}.main-nav a:hover{color:var(--blue)}
.header-actions{display:flex;align-items:center;gap:16px}.phone-link{display:flex;align-items:center;gap:8px;text-decoration:none;font-weight:700;color:var(--navy)}.phone-link svg{width:20px}
.button{border:0;border-radius:999px;background:linear-gradient(135deg,var(--blue),#4069dd);color:#fff;display:inline-flex;justify-content:center;align-items:center;gap:10px;padding:14px 25px;font-weight:750;text-decoration:none;cursor:pointer;box-shadow:0 10px 24px rgba(39,111,228,.18);transition:transform .2s,box-shadow .2s}.button:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(39,111,228,.25)}
.button-small{padding:11px 20px;font-size:14px}.button-light{background:#fff;color:var(--navy);box-shadow:0 10px 24px rgba(20,43,70,.12)}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;color:var(--navy)}
.hero{min-height:820px;position:relative;overflow:hidden;display:grid;align-items:center}.hero-image{position:absolute;inset:0;background:url("advisor-hero.webp") 62% center/cover no-repeat}.hero-wash{position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.98) 0%,rgba(255,255,255,.91) 38%,rgba(255,255,255,.38) 61%,rgba(20,43,70,.2) 100%)}
.hero-content{position:relative;z-index:3;padding-block:80px;width:min(570px,48%);margin-left:max(20px,calc((100vw - 1160px)/2))}.hero-content>*{max-width:570px}.eyebrow{display:inline-block;color:var(--blue);text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:12px;margin-bottom:16px}.eyebrow.light{color:#8be8ee}
h1,h2,h3{color:var(--navy);line-height:1.13;margin-top:0}h1{font-size:clamp(42px,5vw,70px);letter-spacing:-.04em;margin-bottom:22px}h1 span{color:var(--blue)}h2{font-size:clamp(30px,3.4vw,48px);letter-spacing:-.03em;margin-bottom:16px}h3{font-size:21px}
.hero-content>p{font-size:20px;color:#526476;margin-bottom:30px}.hero-actions{display:flex;gap:14px;margin-bottom:18px}.hero-content small{color:#5e6d7c}
.motion-orb{position:absolute;border-radius:50%;border:1px solid rgba(39,111,228,.17);z-index:2;animation:float 8s ease-in-out infinite}.orb-one{width:180px;height:180px;left:3%;top:15%}.orb-two{width:70px;height:70px;left:42%;bottom:10%;animation-delay:-3s}@keyframes float{50%{transform:translate3d(0,-18px,0) rotate(10deg)}}
.section{padding:92px 0}.section-white{background:#fff}.section-soft{background:var(--soft)}.section-intro{max-width:760px;color:var(--muted);font-size:18px;margin:0 auto 40px}
.card-grid{display:grid;gap:22px}.card-grid.three{grid-template-columns:repeat(3,1fr);margin-top:42px}.info-card{padding:32px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 10px 30px rgba(20,43,70,.05)}.icon-circle{width:60px;height:60px;border-radius:50%;display:grid;place-items:center;background:#eaf3ff;color:var(--blue);font-weight:900;margin-bottom:22px}.info-card p{color:var(--muted);margin-bottom:0}
.compare-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:38px}.compare-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px}.compare-card.featured{border-color:#8fd5dd;box-shadow:0 15px 40px rgba(22,141,160,.12)}.compare-heading{display:flex;align-items:center;gap:18px}.compare-heading>span{width:58px;height:58px;border-radius:16px;display:grid;place-items:center;background:#edf4ff;color:var(--blue);font-weight:900}.compare-heading h3,.compare-heading p{margin:0}.compare-heading p{color:var(--muted)}
.check-list,.trust-list{list-style:none;padding:0;margin:26px 0 0}.check-list li,.trust-list li{position:relative;padding:9px 0 9px 30px;border-top:1px solid #edf1f4}.check-list li::before,.trust-list li::before{content:"✓";position:absolute;left:2px;color:var(--teal);font-weight:900}.fine-note{font-size:13px;color:var(--muted);text-align:center;margin-top:22px}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:38px}.list-panel{border-radius:var(--radius);padding:36px}.list-panel.positive{background:#eefdF7}.list-panel.consideration{background:#fff8ed}.list-panel ul{padding-left:22px;margin-bottom:0}.list-panel li{padding:7px 0}.list-panel.positive li::marker{color:#19907e}.list-panel.consideration li::marker{color:#dc9322}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:42px}.steps article{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px}.steps article>span{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:900;margin-bottom:20px}.steps p{color:var(--muted);margin:0}
.quote-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:36px}.quote-grid blockquote{margin:0;border:1px solid var(--line);border-radius:var(--radius);padding:30px;background:#fff}.quote-grid p{font-size:17px}.quote-grid footer{color:var(--muted);font-size:14px}
.accordion{border-top:1px solid var(--line);margin-top:35px}.accordion details{border-bottom:1px solid var(--line);padding:0}.accordion summary{cursor:pointer;list-style:none;font-weight:750;color:var(--navy);padding:22px 38px 22px 0;position:relative}.accordion summary::after{content:"+";position:absolute;right:8px;font-size:24px;color:var(--blue)}.accordion details[open] summary::after{content:"–"}.accordion details p{margin:-4px 0 24px;color:var(--muted)}
.quote-section{display:none}.quote-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:center;position:relative}.quote-copy h2{color:#fff}.quote-copy p{color:#c6d6e3;font-size:18px}.quote-copy .trust-list{max-width:420px}.quote-copy .trust-list li{border-color:rgba(255,255,255,.12)}.large-phone{display:inline-block;color:#8be8ee;font-size:25px;font-weight:850;margin-top:26px;text-decoration:none}
.quote-form{background:#fff;color:var(--ink);padding:28px;border-radius:26px;box-shadow:0 24px 70px rgba(20,43,70,.22);position:relative}.quote-anchor{position:absolute;top:-105px;left:0}.hero>.hero-quote-form{display:block;position:absolute;z-index:7;right:max(22px,calc((100vw - 1160px)/2));top:46px;width:min(530px,45vw);max-height:730px;overflow:auto}.form-heading{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:18px}.form-heading span{font-size:11px;color:var(--blue);text-transform:uppercase;letter-spacing:.09em;font-weight:800}.form-heading h3{font-size:25px;margin:3px 0 0}.secure-badge{background:#e9f8f7;padding:7px 11px;border-radius:999px;color:var(--teal-dark)!important}.quote-form>label,.field-row label{display:grid;gap:5px;font-size:12px;font-weight:700;color:var(--navy)}.quote-form label span{font-weight:500;color:#778695}.quote-form input,.quote-form select{width:100%;border:1px solid #cad7e0;background:#fbfdff;border-radius:10px;padding:10px 12px;outline:none;color:var(--ink)}.quote-form input:focus,.quote-form select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(39,111,228,.12)}.field-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:11px 0}.disclosure-box{height:135px;overflow:auto;border:1px solid #d5dee6;border-radius:12px;background:#f8fafc;padding:13px;margin-top:13px}.consent-label{display:grid!important;grid-template-columns:18px 1fr;align-items:start;gap:10px!important;font-weight:400!important;font-size:10.5px!important;line-height:1.5;color:#546577!important}.consent-label input{width:17px;height:17px;margin-top:2px;padding:0}.consent-label a{color:var(--blue)}.submit-button{width:100%;margin-top:10px;border-radius:12px;padding:12px}.submit-button:disabled{opacity:.65;cursor:wait}.form-message{min-height:18px;margin:7px 0 0;font-size:12px;color:#b12424}.form-message.success{color:#0b7c64}.form-note{display:block;text-align:center;color:#728191;margin-top:7px;font-size:11px}
.medicare-disclaimer{background:#eef5f8;border-top:1px solid #d6e2e8;padding:48px 0;color:#425466}.medicare-disclaimer h2{font-size:22px}.medicare-disclaimer p{font-size:12px;line-height:1.65;margin:10px 0}.medicare-disclaimer a{color:#175ebc}
.site-footer{background:#0e2945;color:#b9cada;padding:28px 0}.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:25px}.footer-brand{color:#fff;font-size:20px}.footer-links{display:flex;gap:22px}.footer-links a{font-size:13px;text-decoration:none}.site-footer p{font-size:13px}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}.reveal.is-visible{opacity:1;transform:none}.reveal-stagger>*{opacity:0;transform:translateY(20px);transition:.6s}.reveal-stagger.is-visible>*{opacity:1;transform:none}.reveal-stagger.is-visible>*:nth-child(2){transition-delay:.12s}.reveal-stagger.is-visible>*:nth-child(3){transition-delay:.24s}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.motion-orb{animation:none}.reveal,.reveal-stagger>*{opacity:1;transform:none;transition:none}}
@media (max-width:1100px){.hero{min-height:auto;padding:40px 0 60px;display:block}.hero-content{width:min(100% - 40px,760px);margin:0 auto;padding:60px 0 35px}.hero>.hero-quote-form{position:relative;right:auto;top:auto;width:min(100% - 40px,680px);max-height:none;margin:0 auto}.hero-wash{background:rgba(255,255,255,.87)}}
@media (max-width:980px){.main-nav{display:none;position:absolute;left:20px;right:20px;top:78px;flex-direction:column;align-items:stretch;background:#fff;padding:18px;border-radius:14px;box-shadow:var(--shadow)}.main-nav.open{display:flex}.menu-toggle{display:block;margin-left:auto}.header-actions .phone-link span{display:none}.card-grid.three,.quote-grid,.steps{grid-template-columns:1fr}.quote-layout{grid-template-columns:1fr;gap:42px}.hero-content>*{max-width:570px}}
@media (max-width:700px){.container{width:min(100% - 28px,1160px)}.site-header{height:72px}.brand{font-size:21px}.brand-mark{width:34px}.site-logo{width:115px}.footer-logo{width:170px}.header-actions .button{display:none}.hero-image{background-position:64% center}.hero-content{width:min(100% - 28px,760px);padding:55px 0 30px}.hero>.hero-quote-form{width:min(100% - 28px,680px);padding:22px}.hero-content>p{font-size:17px}.hero-actions{flex-direction:column;align-items:stretch}.hero-actions .button{width:100%}.section{padding:66px 0}.card-grid.three,.compare-grid,.pros-cons,.field-row{grid-template-columns:1fr}.footer-inner{flex-direction:column;text-align:center}.footer-links{flex-wrap:wrap;justify-content:center}.header-actions{gap:8px}}

/* Quote form opens only after a Get my quote button is selected. */
.hero>.hero-quote-form{opacity:0;visibility:hidden;pointer-events:none;transform:translateY(22px) scale(.98);transition:opacity .35s ease,transform .35s ease,visibility 0s linear .35s}
.hero.quote-open>.hero-quote-form{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0) scale(1);transition-delay:0s}
.form-heading-actions{display:flex;align-items:center;gap:8px}
.form-close{width:30px;height:30px;border:0;border-radius:50%;background:#edf3f7;color:var(--navy);font-size:23px;line-height:1;cursor:pointer}
.form-close:hover,.form-close:focus-visible{background:#dfeaf1;outline:2px solid var(--blue);outline-offset:2px}
@media (max-width:1100px){.hero:not(.quote-open)>.hero-quote-form{display:none}}
@media (prefers-reduced-motion:reduce){.hero>.hero-quote-form{transition:none}}

/* Final horizontal header logo sizing. */
.header-inner>.brand .site-logo{width:220px!important;height:auto!important;max-height:72px;object-fit:contain}

/* Worker-readable submission message below the Submit button. */
.form-message{min-height:20px;margin:8px 0 0;text-align:center;font-size:12px}
.form-message.success{color:#0b7c64;font-weight:600}
.form-message.error{color:#b12424;font-weight:600}

@media (max-width:700px){
  .header-inner>.brand .site-logo{width:190px!important;max-height:62px}
}