:root {

        --navy: #004C83;
        --blue: #35719D;
        --orange: #F37121;
        --gold: #FFC63E;

        --light: #F6F9FC;

        --text: #4A5568;

        --radius: 20px;

        --shadow:
          0 15px 45px rgba(0, 76, 131, .10);

      }

      * {

        margin: 0;
        padding: 0;
        box-sizing: border-box;

      }

      html {

        scroll-behavior: smooth;

      }

      body {

        font-family: 'Inter', sans-serif;

        background: var(--light);

        color: var(--text);

        line-height: 1.7;

        overflow-x: hidden;

      }

      img {

        display: block;

        max-width: 100%;

      }

      a {

        text-decoration: none;

        transition: .25s;

      }

      .container {

        width: min(1200px, 92%);

        margin: auto;

      }

      section {

        padding: 90px 0;

      }

      h1 {

        font-size: 64px;

        font-weight: 800;

        line-height: 1.05;

        letter-spacing: -2px;

      }

      h2 {

        font-size: 46px;

        font-weight: 800;

        color: var(--navy);

        margin-bottom: 15px;

        text-align: center;

      }

      .section-subtitle {

        max-width: 760px;

        margin: 0 auto 60px;

        text-align: center;

        font-size: 22px;

        color: #667085;

      }

      .btn {

        display: inline-flex;

        align-items: center;

        justify-content: center;

        padding: 18px 38px;

        border-radius: 999px;

        font-weight: 700;

        font-size: 17px;

        transition: .25s;

      }

      .btn-primary {

        background: var(--orange);

        color: white;

        box-shadow:
          0 12px 30px rgba(243, 113, 33, .30);

      }

      .btn-primary:hover {

        transform: translateY(-2px);

        background: #db6419;

      }

      .btn-secondary {

        background: white;

        color: var(--navy);

        border: 2px solid rgba(0, 76, 131, .12);

      }

      .btn-secondary:hover {

        background: #EEF6FC;

      }

/* Lead contact disclosure */

.form-consent {
margin-top: 20px;
margin-bottom: 18px;
padding: 14px 16px;
background: #f7f8fa;
border: 1px solid #e1e5e9;
border-radius: 8px;
}

.form-consent p {
margin: 0;
color: #6b737c;
font-size: 13px;
line-height: 1.55;
}
    

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

header{

position:sticky;

top:0;

z-index:999;

background:#ffffff;

box-shadow:0 3px 18px rgba(0,0,0,.08);

}

.navbar{

height:90px;

display:flex;

align-items:center;

justify-content:space-between;

}

.logo img{

height:72px;

width:auto;

}

nav ul{

display:flex;

gap:38px;

list-style:none;

align-items:center;

}

nav a{

font-weight:600;

color:var(--navy);

font-size:17px;

position:relative;

}

nav a:hover{

color:var(--orange);

}

nav a::after{

content:"";

position:absolute;

left:0;

bottom:-8px;

width:0;

height:3px;

background:var(--orange);

transition:.25s;

}

nav a:hover::after{

width:100%;

}

.hero{

background:linear-gradient(135deg,var(--navy),var(--blue));

padding:90px 0;

color:white;

}

.hero-grid{

display:grid;

grid-template-columns:1.15fr .85fr;

align-items:center;

gap:70px;

}

.hero h1{

color:white;

margin-bottom:28px;

}

.hero p{

font-size:24px;

max-width:650px;

margin-bottom:40px;

opacity:.96;

}

.hero-buttons{

display:flex;

gap:18px;

flex-wrap:wrap;

}

.hero-card{

background:white;

padding:40px;

border-radius:26px;

display:flex;

justify-content:center;

align-items:center;

box-shadow:0 25px 60px rgba(0,0,0,.18);

}

.hero-card img{

max-width:420px;

}

.btn-secondary{

background:white;

color:var(--navy);

}

.btn-secondary:hover{

background:#eef6fc;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.trust-bar{

background:white;

padding:38px 0;

border-bottom:1px solid #e7edf4;

}

.trust-grid{

display:grid;

grid-template-columns:repeat(5,1fr);

gap:30px;

text-align:center;

}

.trust-item{

padding:10px;

}

.trust-icon{

width:82px;

height:82px;

margin:0 auto 18px;

border-radius:50%;

background:#EEF6FC;

display:flex;

align-items:center;

justify-content:center;

font-size:36px;

}

.trust-item h3{

font-size:26px;

color:var(--navy);

margin-bottom:8px;

}

.trust-item p{

font-size:17px;

line-height:1.5;

color:#667085;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.about{

background:#F6F9FC;

}

.about-grid{

display:grid;

grid-template-columns:1.1fr .9fr;

gap:70px;

align-items:center;

}

.about h2{

text-align:left;

margin-bottom:25px;

}

.about p{

font-size:19px;

margin-bottom:22px;

color:#566170;

}

.about-box{

background:white;

padding:45px;

border-radius:24px;

box-shadow:var(--shadow);

}

.about-box h3{

color:var(--navy);

font-size:28px;

margin-bottom:22px;

}

.about-list{

list-style:none;

display:grid;

gap:18px;

}

.about-list li{

display:flex;

align-items:flex-start;

gap:15px;

font-size:18px;

}

.check{

color:var(--orange);

font-weight:700;

font-size:22px;

margin-top:2px;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.brokers{

background:white;

}

.broker-grid{

display:grid;

grid-template-columns:repeat(3,1fr);

gap:40px;

margin-top:60px;

}

.broker-card{

background:#ffffff;

border-radius:24px;

overflow:hidden;

box-shadow:0 15px 45px rgba(0,76,131,.10);

transition:.3s;

display:flex;

flex-direction:column;

}

.broker-card:hover{

transform:translateY(-10px);

}

.broker-card img{

width:100%;

aspect-ratio:4/5;

object-fit:cover;

object-position:center top;

display:block;

}

.don-photo{

transform:scale(1.05);

}

.matt-photo{

object-position:center 5%;

}

.broker-content{

padding:34px;

display:flex;

flex-direction:column;

flex:1;

}

.broker-content h3{

font-size:30px;

color:var(--navy);

margin-bottom:8px;

}

.broker-role{

display:inline-block;

margin-bottom:22px;

padding:8px 18px;

background:#FFF5EC;

color:var(--orange);

border-radius:999px;

font-weight:700;

font-size:15px;

}

.broker-content p{

font-size:17px;

line-height:1.75;

color:#5E6773;

margin-bottom:28px;

}

.broker-btn{

display:inline-block;

padding:14px 28px;

background:var(--navy);

color:white;

border-radius:999px;

font-weight:700;

margin-top:auto;

align-self:center;

text-align:center;

}

.broker-btn:hover{

background:var(--orange);

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.topics{
background:#F6F9FC;
}

.topic-grid{
display:grid;
grid-template-columns:repeat(2,1fr);
gap:30px;
margin-top:60px;
}

.topic-card{
background:white;
padding:36px;
border-radius:24px;
box-shadow:0 15px 40px rgba(0,76,131,.08);
display:flex;
gap:24px;
align-items:flex-start;
transition:.3s;
}

.topic-card:hover{
transform:translateY(-8px);
}

.topic-icon{
width:78px;
height:78px;
min-width:78px;
border-radius:50%;
background:#EEF6FC;
display:flex;
justify-content:center;
align-items:center;
font-size:34px;
color:var(--navy);
}

.topic-content h3{
color:var(--navy);
font-size:28px;
margin-bottom:10px;
}

.topic-content p{
font-size:17px;
line-height:1.7;
margin-bottom:18px;
color:#5E6773;
}

.topic-link{
font-weight:700;
color:var(--orange);
}

.topic-link:hover{
color:var(--navy);
}

@media(max-width:800px){

.topic-grid{
grid-template-columns:1fr;
}

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.seminars{

background:white;

}

.seminar-banner{

display:grid;

grid-template-columns:1.2fr .8fr;

gap:40px;

align-items:center;

background:linear-gradient(135deg,var(--navy),var(--blue));

border-radius:28px;

padding:65px;

color:white;

box-shadow:0 20px 55px rgba(0,76,131,.18);

}

.seminar-banner h2{

color:white;

text-align:left;

margin-bottom:22px;

font-size:44px;

}

.seminar-banner p{

font-size:19px;

line-height:1.8;

opacity:.95;

margin-bottom:26px;

}

.seminar-list{

list-style:none;

display:grid;

gap:14px;

margin-bottom:35px;

}

.seminar-list li{

display:flex;

align-items:flex-start;

gap:14px;

font-size:18px;

}

.seminar-check{

color:var(--gold);

font-size:22px;

font-weight:700;

}

.seminar-buttons{

display:flex;

gap:18px;

flex-wrap:wrap;

}

.seminar-image{

display:flex;

justify-content:center;

align-items:center;

}

.seminar-image img{

width:100%;

max-width:500px;

border-radius:22px;

box-shadow:0 18px 40px rgba(0,0,0,.20);

}

.seminar-upcoming{

margin-top:40px;

text-align:center;

}

.seminar-upcoming h3{

color:var(--navy);

font-size:36px;

margin-bottom:35px;

font-weight:700;

}

.seminar-cards{

display:grid;

grid-template-columns:repeat(auto-fit,minmax(180px,1fr));

gap:24px;

margin-bottom:35px;

}

.seminar-card{

background:white;

border-radius:18px;

padding:24px 18px;

box-shadow:0 12px 28px rgba(0,0,0,.08);

transition:.25s;

}

.seminar-card:hover{

transform:translateY(-4px);

box-shadow:0 18px 36px rgba(0,0,0,.12);

}

.seminar-date{

font-size:14px;

font-weight:700;

letter-spacing:1px;

text-transform:uppercase;

color:var(--gold);

margin-bottom:10px;

}

.seminar-location{

font-size:18px;

font-weight:700;

margin-bottom:6px;

}

.seminar-city{

font-size:15px;

opacity:.9;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.testimonials{

background:#F6F9FC;

}

.testimonial-grid{

display:grid;

grid-template-columns:repeat(3,1fr);

gap:28px;

margin-top:45px;

align-items:start;

}

.testimonial-card{

background:white;

padding:28px;

border-radius:20px;

box-shadow:0 12px 30px rgba(0,76,131,.08);

transition:.3s;

}

.testimonial-card:hover{

transform:translateY(-5px);

}

.stars{

color:var(--gold);

font-size:20px;

margin-bottom:16px;

letter-spacing:2px;

}

.quote{

font-size:16px;

line-height:1.65;

color:#566170;

margin-bottom:22px;

font-style:italic;

}

.client{

font-weight:700;

color:var(--navy);

margin-bottom:3px;

}

.review-source{

font-size:13px;

color:#8A94A6;

}

.review-rating{

text-align:center;

font-size:18px;

font-weight:700;

color:var(--navy);

margin-top:12px;

}

.review-stars{

color:var(--gold);

font-size:22px;

letter-spacing:2px;

margin-right:7px;

}

.review-footer-link{

text-align:center;

margin-top:30px;

}

.review-link{

display:inline-block;

font-size:17px;

font-weight:700;

color:var(--orange);

}

.review-link:hover{

color:var(--navy);

}

.review-footer{

margin-top:60px;

text-align:center;

}

.review-badges{

display:grid;

grid-template-columns:auto auto auto auto;

justify-content:center;

align-items:center;

column-gap:28px;

margin-bottom:35px;

}

.review-badges img{

height:70px;

width:auto;

transition:.25s;

}

.review-badges img:hover{

transform:scale(1.05);

}

.review-footer p{

font-size:19px;

color:#5E6773;

max-width:760px;

margin:auto;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.cta{

background:linear-gradient(135deg,var(--navy),var(--blue));

padding:90px 0;

text-align:center;

color:white;

}

.cta h2{

color:white;

font-size:50px;

margin-bottom:24px;

}

.cta p{

max-width:820px;

margin:0 auto 40px;

font-size:22px;

line-height:1.8;

opacity:.96;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

.contact{

background:white;

}

.contact-grid{

display:grid;

grid-template-columns:1fr 1fr;

gap:70px;

align-items:start;

margin-top:60px;

}

.contact-info h2{

text-align:left;

margin-bottom:20px;

}

.contact-info p{

font-size:18px;

line-height:1.8;

margin-bottom:22px;

color:#5E6773;

}

.contact-details{

margin-top:35px;

display:grid;

gap:18px;

}

.contact-item{

display:flex;

gap:15px;

align-items:flex-start;

font-size:18px;

}

.contact-icon{

color:var(--orange);

font-size:22px;

font-weight:bold;

width:24px;

}

.contact-form{

background:#F6F9FC;

padding:10px;

border-radius:24px;

box-shadow:var(--shadow);

}

.contact-form h3{

color:var(--navy);

margin-bottom:24px;

font-size:28px;

}

.contact-form input,

.contact-form textarea{

width:100%;

padding:13px;

margin-bottom:12px;

border:1px solid #ddd;

border-radius:8px;

font-size:16px;

font-family:inherit;

}

.contact-form textarea{

resize:vertical;

min-height:140px;

}

.contact-form button{

width:100%;

border:none;

cursor:pointer;

}

.abHP{

display:none !important;

}

footer{

background:#4A92C8;

color:white;

padding:70px 0 30px;

margin-top:90px;

}

.footer-grid{

display:grid;

grid-template-columns:2fr 1fr 1fr;

gap:50px;

margin-bottom:45px;

}

.footer-grid h3{

margin-bottom:18px;

font-size:24px;

}

.footer-grid p,

.footer-grid li{

color:#D8E4EF;

line-height:1.8;

}

.footer-grid ul{

list-style:none;

}

.footer-grid li{

margin-bottom:8px;

}

.footer-grid a{

color:#D8E4EF;

}

.footer-grid a:hover{

color:white;

}

.footer-disclosures{

border-top:1px solid rgba(255,255,255,.15);

padding-top:28px;

margin-bottom:25px;

text-align:center;

}

.footer-disclosures p{

max-width:1000px;

margin:0 auto 14px;

font-size:13px;

line-height:1.7;

color:#D8E4EF;

}

.footer-bottom{

border-top:1px solid rgba(255,255,255,.15);

padding-top:25px;

font-size:14px;

text-align:center;

line-height:1.8;

color:#C6D5E3;

}

/* ==================================================
   NEXT EMBEDDED STYLE BLOCK
================================================== */

/* ======================================
   RESPONSIVE DESIGN
====================================== */

/* Tablet */
@media (max-width:1024px){

.hero-grid,
.about-grid,
.contact-grid,
.seminar-banner{
grid-template-columns:1fr;
gap:40px;
}

.broker-grid{
grid-template-columns:repeat(2,1fr);
}

.topic-grid{
grid-template-columns:1fr;
}

.trust-grid{
grid-template-columns:repeat(2,1fr);
}

.hero{
text-align:center;
}

.hero-buttons{
justify-content:center;
}

.hero-card{
max-width:500px;
margin:auto;
}

}

/* Phone */
@media (max-width:768px){

section{
padding:65px 0;
}

h1{
font-size:42px;
line-height:1.15;
}

h2{
font-size:34px;
}

.section-subtitle{
font-size:18px;
margin-bottom:40px;
}

.navbar{
flex-direction:column;
height:auto;
padding:20px 0;
gap:18px;
}

nav ul{
flex-wrap:wrap;
justify-content:center;
gap:18px;
}

.logo img{
height:58px;
}

.hero{
padding:70px 0;
}

.hero p{
font-size:19px;
}

.hero-card{
padding:25px;
}

.hero-card img{
max-width:260px;
}

.trust-grid{
grid-template-columns:1fr;
}

.broker-grid{
grid-template-columns:1fr;
}

.topic-grid{
grid-template-columns:1fr;
}

.testimonial-grid{
grid-template-columns:1fr;
}

.footer-grid{
grid-template-columns:1fr;
text-align:center;
}

.contact-grid{
grid-template-columns:1fr;
}

.seminar-banner{
padding:40px 28px;
}

.hero-buttons,
.seminar-buttons{
flex-direction:column;
align-items:center;
}

.btn{
width:100%;
max-width:340px;
}

}

/* Small phones */
@media (max-width:480px){

.container{
width:94%;
}

h1{
font-size:34px;
}

h2{
font-size:30px;
}

.hero p,
.about p,
.contact-info p{
font-size:17px;
}

.topic-card,
.broker-card,
.about-box,
.contact-form{
padding:24px;
}

}

/* Medicare Resources page */
.resources-page{
  background:var(--light);
}

.resources-hero{
  background:linear-gradient(135deg,var(--navy),var(--blue));
  color:#fff;
  padding:78px 0 68px;
}

.resources-hero h1{
  color:#fff;
  font-size:58px;
  line-height:1.08;
  margin-bottom:18px;
}

.resources-hero p{
  max-width:820px;
  margin:0;
  font-size:21px;
  line-height:1.65;
  opacity:.96;
}

.resources-content{
  background:#fff;
  padding:70px 0 90px;
}

.resources-inner{
  max-width:980px;
  margin:0 auto;
}

.resource-intro{
  max-width:820px;
  margin:0 auto 58px;
  text-align:center;
}

.resource-intro h2{
  margin-bottom:16px;
}

.resource-intro p{
  color:#566170;
  font-size:18px;
  line-height:1.7;
}

.resource-section{
  scroll-margin-top:110px;
  padding:64px 0;
  border-top:1px solid #E4EAF0;
}

.resource-section:first-of-type{
  border-top:0;
  padding-top:0;
}

.resource-section h2{
  text-align:left;
  font-size:40px;
  margin-bottom:14px;
}

.resource-section > .resource-lead{
  max-width:820px;
  color:#566170;
  font-size:18px;
  line-height:1.7;
  margin-bottom:30px;
}

.resource-basics-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:16px;
  margin:30px 0 35px;
}

.resource-card{
  background:#F6F9FC;
  border:1px solid #E1E8EF;
  border-radius:16px;
  padding:24px;
}

.resource-card h3{
  color:var(--navy);
  font-size:21px;
  margin-bottom:8px;
}

.resource-card p{
  color:#566170;
  font-size:16px;
  line-height:1.65;
  margin:0;
}

.resource-choice-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:20px;
  margin:30px 0;
}

.resource-choice{
  border:1px solid #DCE5EC;
  border-radius:16px;
  padding:26px;
  background:#fff;
  box-shadow:0 8px 25px rgba(0,76,131,.06);
}

.resource-choice h3{
  color:var(--navy);
  font-size:23px;
  margin-bottom:10px;
}

.resource-choice p{
  color:#566170;
  font-size:16px;
  line-height:1.7;
  margin:0;
}

.resource-subheading{
  color:var(--navy);
  font-size:28px;
  margin:34px 0 14px;
}

.resource-bullets{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px 30px;
  margin:18px 0 28px;
  padding-left:20px;
}

.resource-bullets li{
  color:#566170;
  font-size:16px;
  line-height:1.6;
}

.resource-note{
  background:#EEF6FC;
  border-left:4px solid var(--blue);
  border-radius:10px;
  padding:20px 22px;
  margin:28px 0;
}

.resource-note p{
  color:#4F5D6B;
  margin:0;
  font-size:16px;
  line-height:1.7;
}

.resource-questions{
  display:grid;
  gap:10px;
  margin-top:26px;
}

.resource-question{
  border:1px solid #DCE5EC;
  border-radius:12px;
  background:#fff;
  overflow:hidden;
}

.resource-question summary{
  cursor:pointer;
  list-style:none;
  position:relative;
  padding:18px 52px 18px 20px;
  color:var(--navy);
  font-size:17px;
  font-weight:700;
}

.resource-question summary::-webkit-details-marker{
  display:none;
}

.resource-question summary::after{
  content:"+";
  position:absolute;
  right:20px;
  top:13px;
  color:var(--orange);
  font-size:25px;
  font-weight:400;
}

.resource-question[open] summary::after{
  content:"−";
}

.resource-answer{
  padding:0 20px 20px;
  color:#566170;
  font-size:16px;
  line-height:1.7;
}

.resource-answer p{
  margin:0;
}

.resource-action{
  margin-top:28px;
}

.resource-action a{
  font-weight:700;
  color:var(--orange);
}

.help-section{
  margin-top:20px;
  padding:58px 0 10px;
  border-top:1px solid #E4EAF0;
  scroll-margin-top:110px;
}

.help-section h2{
  margin-bottom:14px;
}

.help-section > p{
  max-width:820px;
  color:#566170;
  font-size:18px;
  line-height:1.7;
}

.help-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:16px;
  margin:30px 0;
}

.help-card{
  text-align:center;
  background:#F6F9FC;
  border-radius:15px;
  padding:24px 18px;
}

.help-card i{
  color:var(--orange);
  font-size:26px;
  margin-bottom:12px;
}

.help-card h3{
  color:var(--navy);
  font-size:20px;
  margin-bottom:8px;
}

.help-card p{
  color:#566170;
  font-size:15px;
  line-height:1.6;
  margin:0;
}

.resource-final-cta{
  margin-top:50px;
  padding:48px 30px;
  border-radius:22px;
  background:linear-gradient(135deg,var(--navy),var(--blue));
  text-align:center;
  color:#fff;
}

.resource-final-cta h2{
  color:#fff;
  margin-bottom:12px;
}

.resource-final-cta p{
  max-width:700px;
  margin:0 auto 24px;
  font-size:18px;
  line-height:1.65;
  opacity:.96;
}

.resource-disclosure{
  margin-top:38px;
  padding:20px 22px;
  border:1px solid #DCE5EC;
  border-radius:12px;
  background:#F7F8FA;
}

.resource-disclosure p{
  color:#667085;
  font-size:13px;
  line-height:1.6;
  margin:0 0 10px;
}

.resource-disclosure p:last-child{
  margin-bottom:0;
}

@media(max-width:800px){
  .resources-hero h1{
    font-size:44px;
  }

  .resource-basics-grid,
  .resource-choice-grid{
    grid-template-columns:1fr;
  }

  .resource-bullets{
    grid-template-columns:1fr;
  }

  .help-grid{
    grid-template-columns:repeat(2,1fr);
  }
}

@media(max-width:600px){
  .resources-hero{
    padding:58px 0 50px;
  }

  .resources-hero h1{
    font-size:38px;
  }

  .resources-hero p{
    font-size:18px;
  }

  .resources-content{
    padding:50px 0 65px;
  }

  .resource-section{
    padding:48px 0;
  }

  .resource-section h2{
    font-size:32px;
  }

  .resource-subheading{
    font-size:25px;
  }

  .help-grid{
    grid-template-columns:1fr;
  }

  .resource-final-cta{
    padding:38px 22px;
  }
}