/* =========================================================
   Insurance Benefits for Seniors — shared stylesheet
   Used by: index.html, medicare-advantage-vs-medigap.html,
            terms-privacy.html
   ========================================================= */

:root{
  --navy:#1B3358;
  --navy-deep:#122542;
  --teal:#2C6E6B;
  --brass:#C9922F;
  --brass-light:#E8B863;
  --coral:#D9654F;
  --parchment:#FBF4E7;
  --parchment-dim:#F3E9D6;
  --ink:#22293A;
  --ink-soft:#4A5468;
  --line:#DCCFAE;
  --white:#FFFFFF;
  --radius:14px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Source Sans 3', sans-serif;
  background:var(--parchment);
  color:var(--ink);
  font-size:19px;
  line-height:1.6;
}
h1,h2,h3,h4{
  font-family:'Fraunces', serif;
  color:var(--navy-deep);
  margin:0 0 .5em 0;
  line-height:1.15;
  font-weight:600;
}
a{color:var(--navy-deep);}
.wrap{max-width:1120px;margin:0 auto;padding:0 28px;}
img,svg{display:block;max-width:100%;}

/* ---------- Top banner ---------- */
.banner{
  background:var(--navy-deep);
  color:var(--brass-light);
  text-align:center;
  font-family:'IBM Plex Mono', monospace;
  font-size:14px;
  letter-spacing:.04em;
  padding:9px 16px;
}

/* ---------- Header / nav / brand / buttons ---------- */
header{
  background:var(--parchment);
  border-bottom:1px solid var(--line);
  position:sticky; top:0; z-index:50;
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding:16px 28px; max-width:1120px; margin:0 auto;
}
.brand{display:flex; align-items:center; gap:12px; text-decoration:none;}
.brand-mark{width:46px;height:46px;flex:0 0 auto; border-radius:10px; object-fit:cover; background:var(--white); border:1px solid var(--line);}
.brand-text{font-family:'Fraunces',serif; font-weight:600; font-size:20px; color:var(--navy-deep); line-height:1.1;}
.brand-text span{display:block; font-family:'Source Sans 3',sans-serif; font-weight:600; font-size:12.5px; letter-spacing:.08em; color:var(--teal); text-transform:uppercase; margin-top:2px;}
nav.links{display:flex; gap:28px; font-weight:600; font-size:16px;}
nav.links a{text-decoration:none; color:var(--ink-soft); border-bottom:2px solid transparent; padding-bottom:3px;}
nav.links a:hover{color:var(--navy-deep); border-color:var(--brass);}
nav.links a.active{color:var(--navy-deep); border-color:var(--brass);}
.btn{
  display:inline-flex; align-items:center; gap:8px;
  background:var(--coral); color:var(--white); text-decoration:none;
  padding:12px 22px; border-radius:100px; font-weight:700; font-size:16px;
  box-shadow:0 4px 0 #a8452f;
  transition:transform .12s ease;
}
.btn:hover{transform:translateY(-2px);}
.btn.ghost{background:transparent; color:var(--navy-deep); border:2px solid var(--navy-deep); box-shadow:none;}
.btn.small{padding:9px 16px; font-size:14.5px;}
@media (max-width:880px){ nav.links{display:none;} }

/* ---------- Generic section shell ---------- */
.eyebrow{
  font-family:'IBM Plex Mono', monospace; text-transform:uppercase; letter-spacing:.1em;
  font-size:13.5px; color:var(--teal); font-weight:600; margin-bottom:14px; display:block;
}
section{padding:70px 0;}
.section-head{max-width:680px; margin:0 auto 44px; text-align:center;}
.section-head .eyebrow{display:block; margin:0 auto 12px;}
.section-head h2{font-size:32px;}
.section-head p{color:var(--ink-soft); font-size:18px;}

/* =========================================================
   HOME PAGE
   ========================================================= */

/* ---------- Hero ---------- */
.hero{padding:64px 0 40px; overflow:hidden;}
.hero .wrap{display:grid; grid-template-columns:1.05fr .95fr; gap:48px; align-items:center;}
.hero h1{font-size:44px;}
.hero p.lead{font-size:20px; color:var(--ink-soft); max-width:46ch; margin:18px 0 28px;}
.hero .cta-row{display:flex; gap:16px; flex-wrap:wrap;}
.hero-art{position:relative;}
@media (max-width:880px){ .hero .wrap{grid-template-columns:1fr;} .hero h1{font-size:34px;} }

/* ---------- Trust strip ---------- */
.trust{background:var(--navy-deep); color:var(--parchment); padding:22px 0;}
.trust .wrap{display:flex; flex-wrap:wrap; gap:28px; justify-content:space-between; align-items:center; font-family:'IBM Plex Mono',monospace; font-size:14.5px;}
.trust b{color:var(--brass-light); font-weight:600;}

/* ---------- Parts grid (A/B/C/D) ---------- */
.parts-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:22px;}
@media (max-width:980px){ .parts-grid{grid-template-columns:repeat(2,1fr);} }
@media (max-width:560px){ .parts-grid{grid-template-columns:1fr;} }
.part-card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px 22px; position:relative; overflow:hidden;
}
.part-card .letter{
  font-family:'Fraunces',serif; font-size:15px; font-weight:700; color:var(--white);
  background:var(--teal); width:36px; height:36px; border-radius:50%;
  display:flex; align-items:center; justify-content:center; margin-bottom:16px;
}
.part-card:nth-child(1) .letter{background:var(--navy);}
.part-card:nth-child(2) .letter{background:var(--teal);}
.part-card:nth-child(3) .letter{background:var(--brass);}
.part-card:nth-child(4) .letter{background:var(--coral);}
.part-card h3{font-size:21px; margin-bottom:8px;}
.part-card p{color:var(--ink-soft); font-size:16.5px; margin:0;}
.part-card svg{width:100%; height:96px; margin-bottom:14px;}

/* ---------- Ledger (2026 updates) ---------- */
.ledger-section{background:var(--navy-deep); color:var(--parchment);}
.ledger-section .section-head h2{color:var(--white);}
.ledger-section .section-head p{color:#C9D3E4;}
.ledger-section .eyebrow{color:var(--brass-light);}
.ledger{
  background:var(--parchment); color:var(--ink); border-radius:18px;
  padding:8px; box-shadow:0 20px 50px rgba(0,0,0,.35);
}
.ledger-inner{border:1.5px dashed var(--brass); border-radius:12px; padding:36px;}
.ledger-title-row{display:flex; justify-content:space-between; align-items:baseline; border-bottom:2px solid var(--navy-deep); padding-bottom:14px; margin-bottom:10px; flex-wrap:wrap; gap:8px;}
.ledger-title-row h3{margin:0; font-size:24px;}
.stamp{
  font-family:'IBM Plex Mono',monospace; font-weight:700; font-size:13px; color:var(--coral);
  border:2px solid var(--coral); padding:4px 10px; border-radius:6px; transform:rotate(-3deg);
  letter-spacing:.05em;
}
table.ledger-table{width:100%; border-collapse:collapse; font-size:16.5px;}
table.ledger-table td{padding:14px 4px; border-bottom:1px solid var(--line); vertical-align:top;}
table.ledger-table tr:last-child td{border-bottom:none;}
table.ledger-table td.label{color:var(--ink-soft); width:56%;}
table.ledger-table td.value{
  font-family:'IBM Plex Mono',monospace; font-weight:600; text-align:right; color:var(--navy-deep); white-space:nowrap;
}
table.ledger-table td.value small{display:block; font-family:'Source Sans 3',sans-serif; font-weight:400; color:var(--teal); font-size:13.5px; margin-top:3px;}
.ledger-foot{margin-top:20px; font-size:14.5px; color:var(--ink-soft); border-top:1px dashed var(--line); padding-top:16px;}

.updates-notes{display:grid; grid-template-columns:repeat(3,1fr); gap:18px; margin-top:32px;}
@media (max-width:880px){ .updates-notes{grid-template-columns:1fr;} }
.note-card{background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.18); border-radius:12px; padding:20px;}
.note-card .tag{font-family:'IBM Plex Mono',monospace; font-size:12px; letter-spacing:.06em; text-transform:uppercase; color:var(--brass-light); display:block; margin-bottom:8px;}
.note-card p{margin:0; font-size:15.5px; color:#DCE3F0;}

/* ---------- Part D deep dive ---------- */
.partd{display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center;}
@media (max-width:880px){ .partd{grid-template-columns:1fr;} }
.partd ul{list-style:none; margin:22px 0 0; padding:0;}
.partd li{display:flex; gap:14px; padding:14px 0; border-top:1px solid var(--line);}
.partd li:first-child{border-top:none;}
.partd li .dot{width:10px;height:10px;border-radius:50%;background:var(--brass); margin-top:8px; flex:0 0 auto;}
.partd li p{margin:0; color:var(--ink-soft);}
.partd li b{color:var(--navy-deep);}

/* ---------- Timeline / alternate section background ---------- */
.timeline-section{background:var(--parchment-dim);}
.timeline{display:grid; grid-template-columns:repeat(4,1fr); gap:0; position:relative; margin-top:12px;}
.timeline::before{content:"";position:absolute; top:19px; left:0; right:0; height:3px; background:var(--line);}
@media (max-width:880px){ .timeline{grid-template-columns:1fr; gap:28px;} .timeline::before{display:none;} }
.tl-item{position:relative; padding-top:52px; text-align:center;}
@media (max-width:880px){ .tl-item{padding-top:0; text-align:left; padding-left:52px;} }
.tl-dot{
  position:absolute; top:0; left:50%; transform:translateX(-50%);
  width:40px; height:40px; border-radius:50%; background:var(--navy); color:var(--white);
  display:flex; align-items:center; justify-content:center; font-family:'IBM Plex Mono',monospace; font-weight:700; font-size:13px;
  border:4px solid var(--parchment-dim);
}
@media (max-width:880px){ .tl-dot{left:0; transform:none; top:2px;} }
.tl-item h4{font-size:17px; margin-bottom:6px;}
.tl-item p{color:var(--ink-soft); font-size:15px; margin:0;}

/* ---------- Contact ---------- */
.contact{display:grid; grid-template-columns:1fr 1fr; gap:56px; align-items:center;}
@media (max-width:880px){ .contact{grid-template-columns:1fr;} }
.contact-card{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:34px; box-shadow:0 12px 30px rgba(27,51,88,.08);
}
.contact-card h3{font-size:24px;}
.contact-row{display:flex; gap:14px; align-items:flex-start; margin:18px 0; font-size:17px;}
.contact-row svg{width:24px;height:24px;flex:0 0 auto; color:var(--teal); margin-top:2px;}
.contact-row a{color:var(--navy-deep); text-decoration:none; font-weight:600;}
.contact-row a:hover{text-decoration:underline;}
.hours{font-size:15.5px; color:var(--ink-soft); margin-top:4px;}

/* =========================================================
   MEDICARE ADVANTAGE VS MEDIGAP PAGE
   ========================================================= */

.page-hero{padding:56px 0 20px;}
.page-hero h1{font-size:40px; max-width:22ch;}
.page-hero p.lead{font-size:19px; color:var(--ink-soft); max-width:60ch; margin:16px 0 26px;}

.fork-wrap{display:grid; grid-template-columns:1fr 1fr; gap:24px; margin-top:10px;}
@media (max-width:880px){ .fork-wrap{grid-template-columns:1fr;} }
.fork-card{
  background:var(--white); border:2px solid var(--line); border-radius:18px; padding:30px 28px; position:relative; overflow:hidden;
}
.fork-card.advantage{border-color:var(--teal);}
.fork-card.medigap{border-color:var(--brass);}
.fork-card .kicker{
  font-family:'IBM Plex Mono',monospace; font-size:12.5px; text-transform:uppercase; letter-spacing:.06em; font-weight:700;
  padding:4px 10px; border-radius:6px; display:inline-block; margin-bottom:14px;
}
.fork-card.advantage .kicker{background:rgba(44,110,107,.14); color:var(--teal);}
.fork-card.medigap .kicker{background:rgba(201,146,47,.16); color:#96700F;}
.fork-card h3{font-size:23px;}
.fork-card p{color:var(--ink-soft); font-size:16.5px;}
.fork-card svg{width:100%; height:130px; margin:14px 0 6px;}

/* Comparison table */
.compare-wrap{overflow-x:auto; border-radius:var(--radius); border:1px solid var(--line); background:var(--white);}
table.compare{width:100%; border-collapse:collapse; min-width:640px; font-size:16.5px;}
table.compare th, table.compare td{padding:16px 20px; text-align:left; border-bottom:1px solid var(--line); vertical-align:top;}
table.compare thead th{
  font-family:'Fraunces',serif; font-size:18px; font-weight:600; background:var(--navy-deep); color:var(--white);
}
table.compare thead th:first-child{background:var(--navy-deep);}
table.compare tbody tr:last-child td{border-bottom:none;}
table.compare tbody tr:nth-child(even){background:var(--parchment-dim);}
table.compare td.row-label{font-weight:700; color:var(--navy-deep); width:22%; font-family:'IBM Plex Mono',monospace; font-size:14px; text-transform:uppercase; letter-spacing:.02em;}
table.compare td.cell{color:var(--ink-soft);}
table.compare td.cell b{color:var(--ink);}

/* How to choose */
.choose-grid{display:grid; grid-template-columns:repeat(3,1fr); gap:22px; margin-top:8px;}
@media (max-width:880px){ .choose-grid{grid-template-columns:1fr;} }
.choose-card{background:var(--white); border:1px solid var(--line); border-radius:var(--radius); padding:26px 24px;}
.choose-card .num{
  font-family:'IBM Plex Mono',monospace; font-weight:700; font-size:14px; color:var(--white); background:var(--brass);
  width:28px; height:28px; border-radius:50%; display:flex; align-items:center; justify-content:center; margin-bottom:14px;
}
.choose-card h4{font-size:18px; margin-bottom:6px;}
.choose-card p{color:var(--ink-soft); font-size:16px; margin:0;}

/* Dark section (switching rules) */
.dark-section{background:var(--navy-deep); color:var(--parchment);}
.dark-section .section-head h2{color:var(--white);}
.dark-section .section-head p{color:#C9D3E4;}
.dark-section .eyebrow{color:var(--brass-light);}

.switch-grid{display:grid; grid-template-columns:1fr 1fr; gap:24px;}
@media (max-width:880px){ .switch-grid{grid-template-columns:1fr;} }
.switch-card{background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.18); border-radius:var(--radius); padding:26px;}
.switch-card h4{color:var(--white); font-size:19px; margin-bottom:8px;}
.switch-card p{color:#DCE3F0; font-size:16px; margin:0;}
.switch-card .flag{
  font-family:'IBM Plex Mono',monospace; font-size:12px; letter-spacing:.05em; text-transform:uppercase; color:var(--brass-light); display:block; margin-bottom:8px;
}

/* CTA band */
.cta-band{
  background:var(--brass); color:var(--navy-deep); border-radius:20px; padding:44px 40px;
  display:flex; align-items:center; justify-content:space-between; gap:24px; flex-wrap:wrap;
}
.cta-band h3{font-size:26px; margin-bottom:6px;}
.cta-band p{margin:0; font-size:16.5px; max-width:46ch;}

/* =========================================================
   TERMS & PRIVACY PAGE
   ========================================================= */

.legal-hero{padding:56px 0 20px;}
.legal-hero h1{font-size:38px; max-width:20ch;}
.legal-hero p.lead{font-size:18.5px; color:var(--ink-soft); max-width:62ch; margin:14px 0 0;}
.updated-badge{
  display:inline-block; margin-top:18px; font-family:'IBM Plex Mono',monospace; font-size:13px;
  color:var(--coral); border:2px solid var(--coral); padding:4px 12px; border-radius:6px; letter-spacing:.04em;
}

/* Layout: sidebar + content */
.legal-layout{
  display:grid; grid-template-columns:260px 1fr; gap:56px;
  padding:36px 0 90px; align-items:start;
}
@media (max-width:880px){ .legal-layout{grid-template-columns:1fr;} }

.toc{
  position:sticky; top:96px;
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:22px;
}
.toc h5{
  font-family:'IBM Plex Mono',monospace; text-transform:uppercase; letter-spacing:.06em;
  font-size:12.5px; color:var(--teal); margin:0 0 12px;
}
.toc ol{list-style:none; margin:0; padding:0; counter-reset:toc;}
.toc li{counter-increment:toc; margin-bottom:2px;}
.toc a{
  display:flex; gap:10px; text-decoration:none; color:var(--ink-soft); font-size:15px;
  padding:7px 0; border-bottom:1px solid transparent;
}
.toc a:hover{color:var(--navy-deep);}
.toc a::before{
  content:counter(toc,decimal-leading-zero); font-family:'IBM Plex Mono',monospace;
  color:var(--brass); font-size:13px; flex:0 0 auto;
}
@media (max-width:880px){ .toc{position:relative; top:0;} }

.legal-content section{
  background:var(--white); border:1px solid var(--line); border-radius:var(--radius);
  padding:32px 34px; margin-bottom:22px; scroll-margin-top:100px;
}
.legal-content h2{
  font-size:24px; display:flex; align-items:center; gap:12px;
}
.legal-content h2 .num{
  font-family:'IBM Plex Mono',monospace; font-size:14px; color:var(--white); background:var(--navy);
  width:30px; height:30px; border-radius:50%; display:flex; align-items:center; justify-content:center; flex:0 0 auto;
}
.legal-content h3{font-size:18px; margin-top:22px;}
.legal-content p, .legal-content li{color:var(--ink-soft); font-size:16.5px;}
.legal-content ul, .legal-content ol.plain{padding-left:22px; margin:12px 0;}
.legal-content li{margin-bottom:6px;}
.legal-content a{color:var(--teal); font-weight:600;}
.callout{
  background:var(--parchment-dim); border-left:4px solid var(--brass); border-radius:8px;
  padding:16px 18px; font-size:15.5px; color:var(--ink-soft); margin-top:16px;
}
.callout b{color:var(--navy-deep);}
.contact-strip{
  display:flex; flex-wrap:wrap; gap:22px; font-size:15.5px; margin-top:10px;
}
.contact-strip a{font-weight:700;}

/* =========================================================
   FOOTER (shared)
   ========================================================= */
footer{background:var(--navy-deep); color:#B9C3D6; padding:44px 0 28px; font-size:14.5px;}
footer .wrap{display:grid; grid-template-columns:2fr 1fr 1fr; gap:32px;}
@media (max-width:780px){ footer .wrap{grid-template-columns:1fr; gap:24px;} }
footer h5{color:var(--white); font-family:'Fraunces',serif; font-size:16px; margin:0 0 12px;}
footer p, footer li{color:#B9C3D6; line-height:1.7;}
footer ul{list-style:none; padding:0; margin:0;}
footer a{color:#DCE3F0; text-decoration:none;}
footer a:hover{text-decoration:underline;}
.fine{border-top:1px solid rgba(255,255,255,.14); margin-top:32px; padding-top:20px; font-size:13px; color:#8B97AE;}
.disclaimer-box{background:rgba(255,255,255,.05); border:1px solid rgba(255,255,255,.15); border-radius:10px; padding:16px 18px; font-size:13.5px; margin-top:18px;}