/* ==========================================================================
   THE HEALTH AGENTS — design system
   Everything derives from the tokens below. Change a token, not a rule.
   ========================================================================== */

:root {
  /* ---- Brand ---- */
  /* One deep blue carries authority; the pastels carry everything else.
     Pink is now reserved for the logo heart — as a large fill it cheapened
     the page, which is the wrong signal for a regulated financial product. */
  --navy:        #0B2547;   /* deepest — headings */
  --navy-800:    #0F3260;
  --navy-600:    #14477D;   /* primary action */
  --blue-500:    #2E76C9;   /* links, hover */
  --blue-300:    #8FBEEA;
  --blue-200:    #C3DCF4;   /* borders, rules */
  --sky:         #66A2F8;   /* focus ring */
  --sky-100:     #DFEDFB;   /* soft fills, icon tiles */
  --sky-50:      #F0F7FE;   /* section washes */

  --pink:        #E5197F;   /* LOGO HEART ONLY */
  --pink-700:    #C4116A;

  --ink:         #16202E;
  --muted:       #56657C;
  --line:        #E7EDF4;
  --bg:          #FFFFFF;
  --bg-soft:     #F4F9FE;

  /* ---- Type scale: 1.25 ratio, fluid between phone and desktop ---- */
  --t-xs:   0.75rem;   /* 12 — labels, legal */
  --t-sm:   0.875rem;  /* 14 — captions */
  --t-base: 1.0625rem; /* 17 — body. 17 not 16: better on phones */
  --t-md:   clamp(1.125rem, 1.05rem + 0.4vw, 1.25rem);
  --t-lg:   clamp(1.3rem,  1.15rem + 0.7vw, 1.6rem);
  --t-xl:   clamp(1.6rem,  1.35rem + 1.2vw, 2.1rem);
  --t-2xl:  clamp(1.85rem, 1.5rem  + 1.6vw, 2.5rem);
  --t-3xl:  clamp(2.2rem,  1.7rem  + 2.3vw, 3.25rem);

  /* ---- Spacing: 8pt grid. Never invent a value between these. ---- */
  --s-1: 4px;   --s-2: 8px;   --s-3: 12px;  --s-4: 16px;
  --s-5: 24px;  --s-6: 32px;  --s-7: 48px;  --s-8: 64px;
  --s-9: 96px;  --s-10: 128px;

  --radius:    10px;
  --radius-sm: 6px;
  --shadow:    0 1px 2px rgba(11,37,71,.04), 0 10px 30px rgba(11,37,71,.055);
  --shadow-lg: 0 1px 3px rgba(11,37,71,.05), 0 22px 56px rgba(11,37,71,.09);

  --measure: 64ch;              /* reading width — 45-75ch is the legible band */
  --container: 1180px;

  /* System stack: renders as SF Pro on Apple, Segoe on Windows, Roboto on
     Android. Zero network requests, and it is what each OS renders best. */
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue",
          Arial, "Noto Sans", sans-serif;
  /* Serif display face for headings — elegance comes from contrast between a
     refined serif and a quiet sans, not from decoration. All system fonts:
     Iowan/Palatino on Apple, Georgia elsewhere. Zero network requests. */
  --font-display: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia,
                  "Times New Roman", serif;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
body {
  font-family: var(--font);
  font-size: var(--t-base);
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; height: auto; }
a { color: var(--navy-600); text-underline-offset: 3px; }
h1,h2,h3,h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.18;
  letter-spacing: -0.012em;
  color: var(--navy);
}
h1 { font-size: var(--t-3xl); letter-spacing: -0.018em; line-height: 1.1; }
h2 { font-size: var(--t-2xl); }
h3 { font-size: var(--t-lg); letter-spacing: -0.008em; font-weight: 600; }
p  { max-width: var(--measure); }

/* ---- Accessibility ---- */
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; border-radius: 4px; }
.skip {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--navy); color: #fff; padding: var(--s-3) var(--s-5);
  border-radius: 0 0 var(--radius-sm) 0; font-weight: 600;
}
.skip:focus { left: 0; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ---- Layout ---- */
.container { width: min(100% - var(--s-5)*2, var(--container)); margin-inline: auto; }
.section   { padding-block: clamp(var(--s-8), 8vw, 152px); }
.section--soft { background: var(--bg-soft); }
.stack > * + * { margin-top: var(--s-4); }
.center { text-align: center; margin-inline: auto; }
.center p { margin-inline: auto; }

/* ==========================================================================
   Utility bar — service area + the three phone lines
   ========================================================================== */
.utility {
  background: var(--navy);
  color: #C9D6E8;
  font-size: var(--t-sm);
}
.utility__inner {
  display: flex; flex-wrap: wrap; gap: var(--s-2) var(--s-5);
  align-items: center; justify-content: space-between;
  padding-block: var(--s-2);
}
.utility a { color: #fff; font-weight: 600; text-decoration: none; }
.utility a:hover { text-decoration: underline; }
.utility__phones { display: flex; flex-wrap: wrap; gap: var(--s-2) var(--s-4); }
.utility__left { display: flex; align-items: center; flex-wrap: wrap; gap: var(--s-2) var(--s-4); }
/* The announcements link in the top bar. This is the destination we text clients,
   so it has to be findable without hunting through the menu. */
.utility__link {
  color: #fff; font-weight: 700; text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,.45); padding-bottom: 1px;
}
.utility__link:hover { border-bottom-color: #fff; text-decoration: none; }
.utility__phones span { color: #8FA6C4; font-weight: 400; }

/* ==========================================================================
   Header
   ========================================================================== */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(150%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header__inner {
  display: flex; align-items: center; gap: var(--s-5);
  padding-block: var(--s-3);
}
.header__logo { flex: 0 0 auto; }
.header__logo img { width: clamp(230px, 27vw, 380px); }
.nav { margin-left: auto; }
.nav ul { display: flex; gap: var(--s-5); list-style: none; padding: 0; }
.nav a {
  text-decoration: none; color: var(--ink); font-weight: 600;
  font-size: var(--t-sm); padding-block: var(--s-2);
  border-bottom: 2px solid transparent;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--navy); border-bottom-color: var(--blue-500); }
.header__actions { display: flex; align-items: center; gap: var(--s-3); }
.lang {
  font-size: var(--t-sm); font-weight: 700; text-decoration: none;
  color: var(--navy); border: 1px solid var(--line);
  padding: var(--s-2) var(--s-3); border-radius: 999px; white-space: nowrap;
}
.lang:hover { border-color: var(--navy); }

/* ---- Centred header (elegant variant) ----
   The classic editorial / luxury pattern: logo centred on a row of its own,
   navigation on a hairline row beneath it with the language switch and the
   quote button pushed right.

   The logo gets the FULL row — that is the whole point. Sharing row 1 with
   the actions capped it at the middle third of a 1180px container (~470px);
   alone it can run to 760px, which is 65% of the container width.
   Switch it off by removing `header--center` from <header> in the HTML.
   Grid areas are used so the HTML source order stays untouched. */
@media (min-width: 901px) {
  .header--center .header__inner {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    grid-template-areas:
      "logo logo logo"
      "pad  nav  actions";
    align-items: center;
    gap: 0 var(--s-5);
    padding-block: var(--s-5) 0;
  }
  .header--center .header__logo     { grid-area: logo; justify-self: center; }
  .header--center .header__logo img { width: clamp(420px, 52vw, 760px); }
  .header--center .header__actions  {
    grid-area: actions; justify-self: end;
    /* Must match the nav's top margin. Without it the actions centre in a
       row made tall by that margin and float above the nav baseline. */
    margin-top: var(--s-5);
  }
  .header--center .nav {
    grid-area: nav; margin: var(--s-5) 0 0;
  }
  /* The hairline spans the whole row, not just the nav, so it reads as a rule
     under the logo rather than a box around the links. */
  .header--center .nav::before {
    content: ""; position: absolute; left: 0; right: 0;
    border-top: 1px solid var(--line);
    transform: translateY(calc(-1 * var(--s-5)));
  }
  .header--center .header__inner { position: relative; }
  .header--center .nav ul { justify-content: center; gap: var(--s-6); }
  .header--center .nav a { padding-block: var(--s-3); }
  .header--center .header__inner { padding-bottom: var(--s-2); }
}

/* Compact state, set by JS once the page scrolls past 40px. */
.header { transition: padding .2s ease; }
.header__logo img { transition: width .2s ease; }
@media (min-width: 901px) {
  .header--center.is-compact .header__inner { padding-block: var(--s-3) 0; }
  .header--center.is-compact .header__logo img { width: 300px; }
  .header--center.is-compact .nav { margin-top: var(--s-3); }
  .header--center.is-compact .header__actions { margin-top: var(--s-3); }
  .header--center.is-compact .nav::before { transform: translateY(calc(-1 * var(--s-3))); }
  .header--center.is-compact .nav a { padding-block: var(--s-2); }
}

/* ---- Mobile nav ---- */
.nav-toggle { display: none; }
@media (max-width: 900px) {
  .nav-toggle {
    display: inline-flex; align-items: center; gap: var(--s-2);
    margin-left: auto; background: none; border: 1px solid var(--line);
    border-radius: var(--radius-sm); padding: var(--s-2) var(--s-3);
    font: inherit; font-size: var(--t-sm); font-weight: 700; color: var(--navy);
    cursor: pointer;
  }
  .nav {
    position: absolute; inset: 100% 0 auto 0; margin: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow); display: none;
  }
  .nav[data-open="true"] { display: block; }
  .nav ul { flex-direction: column; gap: 0; padding: var(--s-3) var(--s-5) var(--s-5); }
  .nav a { display: block; padding: var(--s-3) 0; border-bottom: 1px solid var(--line); }
  .header__actions .btn { display: none; }
}

/* ---- Small phones ----
   At 390px the row was logo(190) + Menu + Español with no wrap, so the
   Español pill fell off the right edge. Shrink the parts rather than drop
   any: the language switch is the single most important control here. */
@media (max-width: 560px) {
  .header__inner { gap: var(--s-3); }
  .header__logo img { width: 200px; }
  .nav-toggle, .lang { padding: var(--s-2); font-size: var(--t-xs); }

  /* The service area is already stated in the hero and the footer. On a
     phone it pushed the whole page down by a third of a screen. */
  .utility__left > p { display: none; }   /* service area hides; the updates link stays */
  .utility__inner { justify-content: center; }
  .utility { font-size: var(--t-xs); }
  .utility__phones { justify-content: center; gap: var(--s-1) var(--s-3); }
}

/* Keeps a phrase together so it wraps as one unit and never leaves a single
   word stranded on its own line. Safer than a hard <br>, which would force a
   break at every screen width. */
.nowrap { white-space: nowrap; }

/* ==========================================================================
   Buttons
   ========================================================================== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s-2);
  /* Button labels must never wrap — a two-line 'Get a free / quote' in the
     header looks broken at in-between widths. */
  white-space: nowrap;
  font: inherit; font-weight: 700; font-size: var(--t-base);
  padding: var(--s-3) var(--s-5); min-height: 48px;   /* 48px = comfortable tap target */
  border-radius: 4px; border: 1px solid transparent;
  letter-spacing: .01em;
  text-decoration: none; cursor: pointer;
  transition: background-color .15s ease, color .15s ease, transform .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--navy-600); color: #fff; }
.btn--primary:hover { background: var(--navy-800); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-800); }
.btn--ghost { background: transparent; color: var(--navy); border-color: #C7D4E4; }
.btn--primary, .btn--navy { font-weight: 600; }
.btn--ghost:hover { border-color: var(--navy); background: #fff; }
.btn--onDark { background: #fff; color: var(--navy); }
.btn--onDark:hover { background: var(--sky-100); }
.btn-row { display: flex; flex-wrap: wrap; gap: var(--s-3); }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  background:
    radial-gradient(1150px 540px at 76% -12%, #DCEBFA 0%, rgba(220,235,250,0) 64%),
    linear-gradient(180deg, var(--sky-50) 0%, #fff 74%);
  padding-block: clamp(var(--s-7), 6vw, var(--s-9)) clamp(var(--s-7), 6vw, var(--s-8));
}
.hero__grid {
  display: grid; gap: clamp(var(--s-6), 5vw, var(--s-8));
  grid-template-columns: 1fr;
  /* start, not center: the form column is far taller than the copy column, and
     centring pushed the headline ~330px down the page — a void above the most
     important sentence on the site. */
  align-items: start;
}
@media (min-width: 960px) { .hero__grid { grid-template-columns: 1.08fr .92fr; } }
.eyebrow {
  display: inline-flex; align-items: center; gap: var(--s-3);
  font-size: var(--t-xs); font-weight: 700; letter-spacing: .16em;
  text-transform: uppercase; color: var(--blue-500);
  margin-bottom: var(--s-5);
}
.eyebrow::before {
  content: ""; width: 28px; height: 1px; background: var(--blue-500); display: block;
}
.hero p.lede { font-size: var(--t-md); color: var(--muted); max-width: 54ch; margin-top: var(--s-4); }
.hero .btn-row { margin-top: var(--s-6); }
.hero__note { margin-top: var(--s-4); font-size: var(--t-sm); color: var(--muted); }

/* ---- Quote card ---- */
.quote-card__lede { color: var(--muted); font-size: var(--t-sm); margin-top: var(--s-2); }
.quote-card__note {
  font-size: var(--t-xs); color: var(--muted); margin-top: var(--s-3); line-height: 1.55;
}
.quote-card__note a { color: var(--navy-600); font-weight: 700; text-decoration: none; }
.quote-card__note a:hover { text-decoration: underline; }
/* The eyebrow's default bottom margin is tuned for a page section, far too much
   inside a card. */
.quote-card .eyebrow { margin-bottom: var(--s-3); }

.quote-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: clamp(var(--s-5), 4vw, var(--s-7));
}
.quote-card h2 { font-size: var(--t-lg); }
.field { display: block; margin-top: var(--s-4); }
.field span { display: block; font-size: var(--t-sm); font-weight: 700; margin-bottom: var(--s-2); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; font-size: var(--t-base); color: var(--ink);
  padding: var(--s-3) var(--s-4); min-height: 48px;
  border: 1px solid #CBD6E4; border-radius: var(--radius-sm); background: #fff;
}
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--sky); }
.consent { display: flex; gap: var(--s-3); align-items: flex-start; margin-top: var(--s-4); }
.consent input { margin-top: 5px; width: 20px; height: 20px; flex: 0 0 auto; }
.consent label { font-size: var(--t-xs); color: var(--muted); line-height: 1.5; }

/* ==========================================================================
   Trust bar
   ========================================================================== */
.trust {
  border-block: 1px solid var(--line); background: #fff;
  padding-block: var(--s-5);
}
.trust ul {
  list-style: none; padding: 0; display: grid; gap: var(--s-4);
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
}
.trust li { display: flex; gap: var(--s-3); align-items: flex-start; font-size: var(--t-sm); }
.trust strong { display: block; color: var(--navy); font-size: var(--t-base); }
.trust svg { flex: 0 0 auto; margin-top: 2px; }

/* ==========================================================================
   Promise band — the differentiator
   ========================================================================== */
.promise { background: var(--navy); color: #fff; }
.promise h2 { color: #fff; max-width: 20ch; }
.promise p { color: #C3D3E8; }
.promise blockquote {
  font-family: var(--font-display);
  font-size: var(--t-2xl); font-weight: 500; font-style: italic;
  line-height: 1.28; letter-spacing: -0.005em; color: #fff; max-width: 22ch;
}
.promise__grid { display: grid; gap: var(--s-7); grid-template-columns: 1fr; align-items: center; }
@media (min-width: 900px) { .promise__grid { grid-template-columns: 1fr 1fr; } }

/* ==========================================================================
   Cards
   ========================================================================== */
.grid-3 { display: grid; gap: var(--s-5); grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: var(--s-6); display: flex; flex-direction: column;
  transition: box-shadow .18s ease, border-color .18s ease, transform .18s ease;
}
.card:hover { box-shadow: var(--shadow); border-color: #D3DFED; }
.card h3 { margin-bottom: var(--s-3); }
.card p { color: var(--muted); flex: 1; }
.card .card__link {
  margin-top: var(--s-5); font-weight: 700; text-decoration: none;
  color: var(--navy-600); display: inline-flex; align-items: center; gap: var(--s-2);
}
.card .card__link:hover { text-decoration: underline; }
.card__icon {
  width: 44px; height: 44px; border-radius: 12px; background: var(--sky-100);
  display: grid; place-items: center; margin-bottom: var(--s-4);
}

/* ---- Agents ---- */
.agent { text-align: left; }
.card p.agent__meta {
  font-size: var(--t-sm); color: var(--muted); margin-top: var(--s-1);
  /* .card p sets flex:1 so the bio absorbs slack and keeps card feet aligned.
     The meta line must NOT flex, or short bios get shoved down the card. */
  flex: 0 0 auto;
}
.agent__phone {
  display: inline-flex; align-items: center; gap: var(--s-2);
  margin-top: var(--s-4); font-weight: 700; text-decoration: none; color: var(--navy);
}
.agent__phone:hover { color: var(--blue-500); }
/* Specialties list on an agent card. A pill badge can't carry seven items, so
   this is a hairline-separated line instead — it sits below the bio and above
   the phone number. */
.card p.agent__spec {
  font-size: var(--t-xs); color: var(--muted); line-height: 1.5;
  /* Same trap as .agent__meta: .card p sets flex:1, which would let this line
     absorb slack too and drift instead of sitting at the foot of the card.
     Needs the .card prefix to out-specify .card p. */
  flex: 0 0 auto;
  margin-top: var(--s-4); padding-top: var(--s-3);
  border-top: 1px solid var(--line);
}
.agent__spec strong {
  display: block; color: var(--navy-600); font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase; margin-bottom: 3px;
}
.badge {
  display: inline-block; font-size: var(--t-xs); font-weight: 700;
  letter-spacing: .04em; text-transform: uppercase;
  background: var(--sky-100); color: var(--navy-600);
  padding: 4px var(--s-3); border-radius: 999px; margin-top: var(--s-3);
}

/* Form status message — the visitor must be told plainly whether it sent. */
.form-status { margin-top: var(--s-4); font-size: var(--t-sm); min-height: 1.2em; }
.form-status.is-ok    { color: #146C43; font-weight: 700; }
.form-status.is-error { color: #B3261E; font-weight: 700; }

/* ==========================================================================
   Inner pages — plan points and the contact list
   ========================================================================== */
.plan-points { list-style: none; padding: 0; margin: 0; }
.plan-points li {
  position: relative; padding: var(--s-3) 0 var(--s-3) var(--s-6);
  border-bottom: 1px solid var(--line); color: var(--muted);
}
.plan-points li:last-child { border-bottom: 0; }
.plan-points li::before {
  content: ""; position: absolute; left: 0; top: 1.15em;
  width: 14px; height: 2px; background: var(--blue-500);
}
.plan-points strong { color: var(--ink); }

.contact-list { list-style: none; padding: 0; margin: var(--s-4) 0 0; }
.contact-list li {
  display: grid; grid-template-columns: 1fr auto; gap: 2px var(--s-4);
  align-items: baseline;
  padding: var(--s-4) 0; border-bottom: 1px solid var(--line);
}
.contact-list__label {
  grid-row: 1; font-size: var(--t-xs); font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--blue-500);
}
.contact-list__num {
  grid-row: 2; grid-column: 1; font-size: var(--t-lg); font-weight: 700;
  color: var(--navy); text-decoration: none;
}
.contact-list__num:hover { color: var(--blue-500); }
.contact-list__who { grid-row: 2; grid-column: 2; font-size: var(--t-sm); color: var(--muted); }

/* ==========================================================================
   Client announcements  (/updates/  and  /es/avisos/)
   Read on a phone, one-handed, often by older clients. Bigger body type and
   more air than the rest of the site — deliberately.
   ========================================================================== */
.announce-id {
  background: var(--sky-50); border: 1px solid var(--blue-200);
  border-radius: var(--radius); padding: var(--s-5);
  margin: var(--s-6) 0 var(--s-7); font-size: var(--t-sm);
}
.announce-id p { margin: 0 0 var(--s-2); color: var(--muted); }
.announce-id strong { color: var(--navy); }
.announce-id__nums { display: flex; flex-wrap: wrap; gap: var(--s-2) var(--s-4); align-items: baseline; }
.announce-id__nums a { font-weight: 700; color: var(--navy-600); text-decoration: none; font-size: var(--t-base); }
.announce-id__nums a:hover { text-decoration: underline; }
.announce-id__nums span { color: var(--muted); margin-right: var(--s-3); }

.announce { padding-block: var(--s-6); border-top: 1px solid var(--line); }
.announce:first-of-type { border-top: 0; padding-top: 0; }
.announce__date {
  display: flex; align-items: center; gap: var(--s-3);
  font-size: var(--t-xs); font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; color: var(--blue-500); margin-bottom: var(--s-3);
}
.announce h2 { font-size: var(--t-xl); margin-bottom: var(--s-4); }
.announce p { font-size: var(--t-md); line-height: 1.65; margin-bottom: var(--s-4); }
.announce p:last-child { margin-bottom: 0; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.rating {
  display: inline-flex; align-items: center; gap: var(--s-3);
  padding: var(--s-2) var(--s-4); border: 1px solid var(--blue-200);
  border-radius: 999px; background: #fff; text-decoration: none; color: var(--ink);
  font-size: var(--t-sm);
}
.rating:hover { border-color: var(--blue-500); }
.rating__stars { color: #F5A623; letter-spacing: .08em; font-size: var(--t-base); }
.rating__score { font-weight: 700; color: var(--navy); }
.rating__count { color: var(--muted); }

.quotes { display: grid; gap: var(--s-5); margin-top: var(--s-7);
          grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.quote-item {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: var(--s-6); display: flex; flex-direction: column;
}
.quote-item__stars { color: #F5A623; letter-spacing: .1em; margin-bottom: var(--s-3); }
.quote-item blockquote {
  font-family: var(--font-display); font-style: italic; font-size: var(--t-md);
  line-height: 1.5; color: var(--ink); margin: 0 0 var(--s-4); flex: 1;
  border: 0; padding: 0;
}
.quote-item__by { font-size: var(--t-sm); color: var(--muted); }
.quote-item__by strong { color: var(--navy); font-weight: 700; }
.quote-item__translated { font-style: normal; font-size: var(--t-sm); color: var(--muted); }

/* ==========================================================================
   Carrier logos
   ========================================================================== */
.carriers-grid {
  /* Flex, not grid. A grid forces equal columns, so an odd count leaves the last
     row hanging at the left edge — with nine logos that stranded one on its own.
     Flex sizes each logo to its natural width and centres whatever is left over. */
  display: flex; flex-wrap: wrap;
  align-items: center; justify-content: center;
  gap: var(--s-6) var(--s-7);
  margin-top: var(--s-7);
}
.carrier {
  flex: 0 0 auto; display: flex; align-items: center; justify-content: center;
  min-height: 56px; min-width: 90px;
}
/* Logos arrive at wildly different aspect ratios. Capping HEIGHT rather than
   width is what makes a wide wordmark and a square badge look like siblings. */
.carrier img {
  max-height: 44px; max-width: 100%; width: auto; height: auto;
  object-fit: contain;
  opacity: .88; transition: opacity .18s ease;
}
.carrier img:hover { opacity: 1; }

/* Per-carrier heights, computed for equal OPTICAL WEIGHT rather than equal
   height: h = sqrt(AREA / aspect_ratio). Florida Blue is 8.9:1 and AvMed is
   1.8:1 — one shared max-height would give the first roughly six times the
   visual mass of the second. Recompute if a logo file is replaced. */
/* AmeriHealth Caritas: source art is only 200x120, so it is capped lower than
   the optical-weight formula suggests (58px) — pushing it larger just makes
   the softness obvious next to the crisp logos. Raise this if a bigger file arrives. */
.carrier--amerihealth img { max-height: 46px; }
.carrier--aetna img { max-height: 38px; }
.carrier--ambetter img { max-height: 33px; }
.carrier--avmed img { max-height: 56px; }
.carrier--cigna img { max-height: 43px; }
.carrier--florida-blue img { max-height: 25px; }
.carrier--molina img { max-height: 40px; }
.carrier--oscar img { max-height: 35px; }
.carrier--unitedhealthcare img { max-height: 42px; }
/* Fallback: if a logo file is missing the carrier's NAME shows instead, so the
   section is never silently empty and never shows a broken-image icon. */
.carrier__name { display: none; font-weight: 700; color: var(--navy-600); font-size: var(--t-sm); }
.carrier.is-missing .carrier__name { display: block; }

/* ==========================================================================
   CTA band
   ========================================================================== */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, #16528F 100%);
  color: #fff; border-radius: var(--radius); padding: clamp(var(--s-6), 5vw, var(--s-8));
  text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #C3D3E8; margin-inline: auto; max-width: 46ch; margin-top: var(--s-4); }
.cta-band .btn-row { justify-content: center; margin-top: var(--s-6); }

/* ==========================================================================
   Medicare announcement modal  (SEASONAL — see the note in the HTML)
   ========================================================================== */
/* Native <dialog>: focus trapping, Esc-to-close and inertness of the page behind
   come free and correct. Hand-rolled modals almost always get those wrong. */
.modal {
  border: 0; padding: 0; max-width: 460px; width: calc(100% - var(--s-5) * 2);
  border-radius: var(--radius); box-shadow: 0 24px 60px rgba(11,37,71,.28);
  background: #fff; color: var(--ink);
}
.modal::backdrop { background: rgba(11,37,71,.55); backdrop-filter: blur(2px); }
.modal__inner { padding: var(--s-7) var(--s-6) var(--s-6); text-align: center; }
.modal__eyebrow {
  font-size: var(--t-xs); font-weight: 700; letter-spacing: .16em;
  text-transform: uppercase; color: var(--blue-500); margin-bottom: var(--s-3);
}
.modal h2 { font-size: var(--t-xl); margin-bottom: var(--s-3); }
.modal p { color: var(--muted); max-width: 34ch; margin: 0 auto var(--s-5); }
.modal .btn { width: 100%; }
.modal__call {
  display: block; margin-top: var(--s-4); font-weight: 700;
  color: var(--navy-600); text-decoration: none; font-size: var(--t-sm);
}
.modal__call:hover { text-decoration: underline; }
/* Two enrollment windows, two dates. Medicare AEP and ACA open enrollment are
   different things on different dates — running them together misinforms people. */
.modal__dates { list-style: none; padding: 0; margin: 0 0 var(--s-5); text-align: left; }
.modal__dates li {
  display: flex; align-items: baseline; justify-content: space-between; gap: var(--s-4);
  padding: var(--s-3) 0; border-bottom: 1px solid var(--line);
}
.modal__dates li:last-child { border-bottom: 0; }
.modal__dates .what { font-weight: 700; color: var(--navy); }
.modal__dates .when { color: var(--blue-500); font-weight: 700; white-space: nowrap; }
.modal__dates .note { display: block; font-weight: 400; font-size: var(--t-xs); color: var(--muted); }

.modal__close {
  position: absolute; top: var(--s-3); right: var(--s-3);
  width: 40px; height: 40px;           /* 40px: a real tap target, not a 16px × */
  display: flex; align-items: center; justify-content: center;
  background: none; border: 0; border-radius: 50%; cursor: pointer;
  color: var(--muted); font-size: 22px; line-height: 1;
}
.modal__close:hover { background: var(--sky-50); color: var(--navy); }
/* The UA centres a modal <dialog> with inset:0 + margin:auto. Declaring
   position:fixed WITHOUT inset threw that away and pinned it top-left. */
.modal { position: fixed; inset: 0; margin: auto; }
.modal__inner { position: relative; }
@media (prefers-reduced-motion: no-preference) {
  .modal[open] { animation: modalIn .22s ease-out; }
  @keyframes modalIn { from { opacity: 0; transform: translateY(8px); } }
}

/* ==========================================================================
   Footer
   ========================================================================== */
.footer { background: var(--navy); color: #A9BDD8; padding-block: var(--s-8) var(--s-6); font-size: var(--t-sm); }
.footer h4 { color: #fff; font-size: var(--t-sm); letter-spacing: .06em; text-transform: uppercase; margin-bottom: var(--s-4); }
.footer a { color: #DCE7F5; text-decoration: none; }
.footer a:hover { text-decoration: underline; }
.footer__grid { display: grid; gap: var(--s-7); grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); }
.footer ul { list-style: none; padding: 0; }
.footer li + li { margin-top: var(--s-2); }
.footer__logo img { width: 220px; margin-bottom: var(--s-4); }
.footer__quote { color: #C3D3E8; font-style: italic; max-width: 34ch; }
.footer__legal {
  margin-top: var(--s-7); padding-top: var(--s-5); border-top: 1px solid rgba(255,255,255,.14);
  font-size: var(--t-xs); color: #8AA0BE; display: flex; flex-wrap: wrap;
  gap: var(--s-3) var(--s-5); justify-content: space-between;
}

/* ---- Placeholder marker: must be impossible to miss before launch ---- */
.todo {
  background: #FFF3BF; color: #6B4E00; font-weight: 700;
  padding: 1px 6px; border-radius: 4px; font-size: .9em;
}