/* Phil-Am Insurance Agency: site styles
   Brand: dark blue #213f7e, light blue #339fd6, yellow #fad016, reds #cf2028 / #a81e22
   Type: EB Garamond headings, Source Sans 3 body */

:root {
  --blue: #213f7e;
  --blue-deep: #182e5c;
  --blue-mid: #2a4c91;
  --sky: #339fd6;
  --link: #1f6fa8;
  --yellow: #fad016;
  --red: #cf2028;
  --red-dark: #a81e22;
  --ink: #1c2a44;
  --body: #3a4a68;
  --muted: #4c5e80;
  --line: #d9e1ee;
  --wash: #f7f9fc;
  --tile: #f4f7fb;
  --cream: #fff8dc;
  --white: #ffffff;
  --serif: 'EB Garamond', Georgia, 'Times New Roman', serif;
  --sans: 'Source Sans 3', 'Segoe UI', Helvetica, Arial, sans-serif;
  --radius: 12px;
  --wrap: 1280px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 18px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--white);
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--link); text-decoration: none; }
a:hover { color: var(--blue); text-decoration: underline; }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3, h4 { font-family: var(--serif); font-weight: 600; line-height: 1.12; color: var(--blue); margin: 0 0 .5em; }
h1 { font-size: clamp(40px, 5vw, 62px); }
h2 { font-size: clamp(32px, 3.6vw, 46px); }
h3 { font-size: clamp(24px, 2.2vw, 28px); }
h4 { font-size: 22px; }
p { margin: 0 0 1em; color: var(--body); }
p:last-child { margin-bottom: 0; }
.lead { font-size: 22px; line-height: 1.5; max-width: 40em; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--yellow); color: var(--blue); padding: 10px 16px; border-radius: 6px; font-weight: 700; z-index: 100; }
.skip:focus { left: 8px; }

.wrap { width: min(var(--wrap), 100% - 48px); margin-inline: auto; }
@media (max-width: 640px) { .wrap { width: calc(100% - 32px); } }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 56px; padding: 0 30px; border-radius: 8px;
  font-family: var(--sans); font-weight: 700; font-size: 18px; line-height: 1.2;
  text-decoration: none; cursor: pointer; border: 2px solid transparent; text-align: center;
}
.btn:hover { text-decoration: none; }
.btn-y { background: var(--yellow); color: var(--blue); }
.btn-y:hover { background: #f5c800; color: var(--blue); }
.btn-o { background: transparent; color: var(--blue); border-color: var(--blue); }
.btn-o:hover { background: var(--blue); color: var(--white); }
.btn-w { background: var(--white); color: var(--blue); }
.btn-b { background: var(--blue-mid); color: var(--white); }
.btn-b:hover { background: var(--blue); color: var(--white); }
.btn-sm { min-height: 48px; padding: 0 22px; font-size: 17px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 16px; }
.cta-band .btn-o { color: var(--blue); }
.text-link { font-weight: 700; font-size: 17px; }

/* Seasonal banner */
.season { background: var(--blue); color: var(--white); text-align: center; padding: 10px 16px; font-size: 16px; font-weight: 600; }
.season p { margin: 0; color: var(--white); }
.season a { color: var(--yellow); font-weight: 700; margin-left: 8px; }
.season [data-season] { display: none; }
.season.aep [data-season="aep"], .season.oep [data-season="oep"] { display: inline; }

/* Header */
.site-header { border-bottom: 1px solid #e3e9f2; background: var(--white); position: sticky; top: 0; z-index: 50; }
.header-row { display: flex; align-items: center; justify-content: space-between; min-height: 88px; gap: 24px; }
.brand img { height: 44px; width: auto; }
.nav { display: flex; align-items: center; gap: 20px; }
.nav > ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 6px; }
.nav > ul > li { position: relative; }
.nav > ul > li > a { display: block; padding: 12px 11px; color: var(--blue); font-weight: 600; font-size: 16px; border-radius: 6px; white-space: nowrap; }
.nav > ul > li > a:hover, .nav > ul > li > a[aria-current] { text-decoration: none; box-shadow: inset 0 -3px 0 var(--yellow); }
.sub { list-style: none; margin: 0; padding: 8px; position: absolute; top: 100%; left: 0; min-width: 260px; background: var(--white); border: 1px solid var(--line); border-radius: 10px; box-shadow: 0 12px 32px rgba(24,46,92,.12); display: none; }
.sub a { display: block; padding: 10px 14px; color: var(--ink); font-weight: 600; border-radius: 6px; }
.sub a:hover { background: var(--tile); text-decoration: none; }
.has-sub:hover .sub, .has-sub:focus-within .sub { display: block; }
.nav-actions { display: flex; align-items: center; gap: 14px; }
.lang-toggle { font-weight: 700; color: var(--blue); padding: 8px 12px; border: 1px solid var(--line); border-radius: 6px; font-size: 15px; white-space: nowrap; }
.lang-toggle:hover { background: var(--tile); text-decoration: none; }
.phone { display: inline-flex; align-items: center; gap: 8px; color: var(--blue); font-weight: 700; font-size: 18px; white-space: nowrap; }
.menu-btn { display: none; background: none; border: 0; width: 48px; height: 48px; padding: 10px; cursor: pointer; flex-direction: column; justify-content: center; gap: 6px; }
.menu-btn span:not(.sr) { display: block; height: 3px; background: var(--blue); border-radius: 2px; }

@media (max-width: 1200px) {
  .menu-btn { display: flex; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); padding: 16px 24px 24px; flex-direction: column; align-items: stretch; gap: 16px; box-shadow: 0 16px 32px rgba(24,46,92,.12); }
  .nav.open { display: flex; }
  .nav > ul { flex-direction: column; gap: 0; }
  .nav > ul > li > a { padding: 14px 8px; font-size: 19px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav > ul > li > a:hover, .nav > ul > li > a[aria-current] { box-shadow: none; color: var(--link); }
  .sub { position: static; display: block; border: 0; box-shadow: none; padding: 4px 0 8px 16px; min-width: 0; }
  .sub a { padding: 10px 8px; color: var(--body); }
  .nav-actions { flex-direction: column; align-items: stretch; }
  .nav-actions .btn { width: 100%; }
  .header-row { min-height: 72px; }
  .brand img { height: 36px; }
}

/* Sections */
section { padding: clamp(56px, 7vw, 96px) 0; }
.section-wash { background: var(--wash); }
.section-blue { background: var(--blue); color: var(--white); }
.section-blue h2, .section-blue h3 { color: var(--white); }
.section-blue p { color: #d6dff0; }
.section-cream { background: var(--cream); border-top: 6px solid var(--red); }
.section-tight { padding-top: 40px; padding-bottom: 40px; }
.section-head { max-width: 800px; margin-bottom: 40px; }
.section-head h2 { margin-bottom: 12px; }
.section-head p { font-size: 20px; }
.head-row { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 36px; }
.head-row h2 { margin: 0; }

/* Hero */
.hero { padding: clamp(56px, 6vw, 88px) 0 clamp(48px, 5vw, 72px); background: var(--wash); }
.hero .wrap { display: grid; grid-template-columns: 1.1fr 1fr; gap: 64px; align-items: center; }
.hero-text { display: flex; flex-direction: column; gap: 24px; }
.hero-text h1 { margin: 0; }
.hero-text .lead { margin: 0; }
.kicker { font-size: 17px; font-weight: 700; color: var(--red-dark); }
.crumbs { font-size: 16px; font-weight: 600; margin: 0; }
.crumbs a { color: var(--link); }
.trust { display: flex; flex-wrap: wrap; gap: 12px 28px; font-size: 16px; font-weight: 600; color: var(--muted); list-style: none; margin: 0; padding: 0; }
.hero-media { border-radius: 20px; overflow: hidden; aspect-ratio: 5/4; background: var(--tile); }
.hero-media img { width: 100%; height: 100%; object-fit: cover; }
.hero-compact { padding-bottom: clamp(40px, 5vw, 64px); }
.hero-compact .wrap { grid-template-columns: 1fr; }
.hero-compact .hero-text { max-width: 820px; }
.ph { background: #e7ecf4; border: 1px dashed #9fb0cc; color: var(--muted); font-size: 15px; display: flex; align-items: center; justify-content: center; text-align: center; padding: 24px; height: 100%; min-height: 320px; }
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 32px; }
  .hero-media { aspect-ratio: 16/10; }
}

/* Cards and grids */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 1000px) { .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 32px; display: flex; flex-direction: column; gap: 14px; }
.card svg { color: var(--sky); }
.card h3 { margin: 0; }
.card p { margin: 0; }
.card .text-link { margin-top: auto; }
.card-link { color: inherit; }
.card-link:hover { text-decoration: none; border-color: var(--sky); }
.card-link:hover h3 { text-decoration: underline; }

.stat { background: var(--blue-mid); border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; gap: 6px; }
.stat b { font-family: var(--serif); font-size: 44px; font-weight: 600; color: var(--yellow); line-height: 1; }
.stat span { font-weight: 600; color: var(--white); font-size: 17px; }

.tiles { display: grid; grid-template-columns: repeat(7, minmax(0, 1fr)); gap: 16px; }
.tile { background: var(--tile); border-radius: var(--radius); padding: 22px 16px; display: flex; flex-direction: column; align-items: center; gap: 12px; text-align: center; font-weight: 700; color: var(--blue); font-size: 16px; line-height: 1.25; }
.tile:hover { background: #e9eff8; text-decoration: none; }
.tile svg { color: var(--blue); }
@media (max-width: 1000px) { .tiles { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
@media (max-width: 640px) { .tiles { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-narrow { grid-template-columns: 1fr 1.6fr; align-items: start; }
@media (max-width: 900px) { .split, .split-narrow { grid-template-columns: 1fr; gap: 32px; } }
.media { border-radius: 20px; overflow: hidden; aspect-ratio: 4/3; background: var(--tile); }
.media img { width: 100%; height: 100%; object-fit: cover; }
.section-cream .ph { background: #f3ead0; border-color: #c9b982; }

/* Comparison table */
.table-wrap { overflow-x: auto; }
table.compare { border-collapse: collapse; width: 100%; font-size: 18px; min-width: 720px; }
.compare th { font-family: var(--serif); font-size: 26px; font-weight: 600; color: var(--blue); text-align: left; padding: 18px 20px; border-bottom: 2px solid var(--blue); vertical-align: bottom; }
.compare td { padding: 18px 20px; border-bottom: 1px solid var(--line); color: var(--body); line-height: 1.45; vertical-align: top; }
.compare td:first-child { font-weight: 700; color: var(--blue); width: 22%; }
.compare tr:nth-child(even) td { background: var(--wash); }

.callout { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; background: var(--cream); border-radius: 14px; padding: 28px 32px; margin-top: 32px; }
.callout p { margin: 0; font-size: 21px; color: var(--blue); font-weight: 600; }

/* Windows / steps */
.win { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 26px; display: flex; flex-direction: column; gap: 10px; color: var(--ink); }
.win b { font-size: 15px; color: var(--red-dark); }
.win h3 { margin: 0; font-size: 26px; }
.win p { margin: 0; font-size: 17px; color: var(--body); }
.section-blue .win h3 { color: var(--blue); }
.section-blue .win p { color: var(--body); }

.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; counter-reset: step; }
.steps li { display: grid; grid-template-columns: 56px 1fr; gap: 20px; align-items: start; counter-increment: step; }
.steps li::before { content: counter(step); width: 56px; height: 56px; border-radius: 50%; background: var(--yellow); color: var(--blue); font-family: var(--serif); font-size: 28px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.steps h3 { margin: 6px 0 6px; font-size: 24px; }
.steps p { margin: 0; }

.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checks li { padding-left: 34px; position: relative; color: var(--body); }
.checks li::before { content: ""; position: absolute; left: 0; top: 6px; width: 20px; height: 20px; border-radius: 50%; background: var(--sky); mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/16px no-repeat, linear-gradient(#000,#000); -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='black' stroke-width='3' d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/16px no-repeat; }
.checks li::after { content: ""; position: absolute; left: 0; top: 6px; width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--sky); }

.prose { max-width: 46em; }
.prose h2 { font-size: 34px; margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { color: var(--body); padding-left: 1.3em; }
.prose li { margin-bottom: .4em; }

/* FAQ */
.faq-list { border-top: 1px solid var(--line); }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { list-style: none; cursor: pointer; padding: 22px 48px 22px 0; font-size: 21px; font-weight: 600; color: var(--blue); position: relative; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 8px; top: 16px; font-size: 30px; color: var(--sky); font-weight: 400; }
.faq-list details[open] summary::after { content: "\2212"; }
.faq-list details p { padding: 0 0 22px; max-width: 46em; }

/* Quotes */
.quote { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 28px; display: flex; flex-direction: column; gap: 14px; }
.quote p { margin: 0; color: var(--ink); }
.quote cite { font-style: normal; font-size: 15px; color: var(--muted); font-weight: 600; }

/* Disclaimer box */
.disclose { border: 2px solid var(--line); border-radius: var(--radius); padding: 24px 28px; font-size: 16px; }
.disclose p { margin-bottom: .6em; }
.disclose strong { color: var(--blue); }

/* Forms */
.form { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 32px; display: grid; gap: 18px; }
.form h3 { margin: 0; }
.field { display: grid; gap: 6px; }
.field label { font-weight: 600; color: var(--ink); font-size: 16px; }
.field input, .field select, .field textarea { font: inherit; font-size: 18px; padding: 12px 14px; border: 1px solid #b9c5da; border-radius: 8px; width: 100%; color: var(--ink); background: var(--white); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--sky); outline: 3px solid rgba(51,159,214,.25); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 640px) { .field-row { grid-template-columns: 1fr; } }
.consent { display: grid; grid-template-columns: 24px 1fr; gap: 12px; font-size: 14px; color: var(--muted); line-height: 1.5; align-items: start; }
.consent input { width: 22px; height: 22px; margin-top: 2px; }
.form-msg { font-weight: 600; color: var(--blue); }
.form-msg.error { color: var(--red-dark); }

/* CTA band */
.cta-band { text-align: center; padding: clamp(64px, 7vw, 96px) 0; }
.cta-band .wrap { display: flex; flex-direction: column; align-items: center; gap: 24px; }
.cta-band h2 { max-width: 820px; margin: 0; }
.cta-band p { max-width: 680px; font-size: 20px; margin: 0; }
.cta-band .btn-row { justify-content: center; }

/* Footer */
.site-footer { background: var(--blue-deep); color: #c9d5ea; padding: 72px 0 40px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 48px; }
.site-footer h3 { font-family: var(--sans); font-size: 16px; letter-spacing: .06em; text-transform: uppercase; color: var(--white); margin: 0 0 14px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer a { color: #c9d5ea; }
.site-footer a:hover { color: var(--white); }
.site-footer address { font-style: normal; line-height: 1.55; margin: 18px 0; color: #c9d5ea; }
.foot-brand img { height: 40px; width: auto; }
.tagline { font-family: var(--serif); font-size: 24px; color: var(--yellow); margin: 0 0 12px; }
.foot-help { display: grid; gap: 14px; align-content: start; }
.foot-help .btn-y { color: var(--blue); }
.foot-help .btn-b { color: var(--white); }
.legal { border-top: 1px solid #2f4a80; margin-top: 48px; padding-top: 24px; font-size: 14px; color: #9fb0cc; }
.legal p { color: #9fb0cc; margin-bottom: .6em; }
@media (max-width: 1000px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .foot-grid { grid-template-columns: 1fr; gap: 32px; } .site-footer { padding-bottom: 96px; } }

/* Mobile sticky bar */
.mobile-bar { display: none; }
@media (max-width: 640px) {
  .mobile-bar { display: grid; grid-template-columns: repeat(3, 1fr); position: fixed; bottom: 0; left: 0; right: 0; background: var(--blue); z-index: 60; box-shadow: 0 -4px 16px rgba(0,0,0,.15); }
  .mobile-bar a { color: var(--white); font-weight: 700; text-align: center; padding: 16px 8px; border-right: 1px solid #2f4a80; font-size: 17px; }
  .mobile-bar a:last-child { border-right: 0; background: var(--yellow); color: var(--blue); }
}

/* Blog list */
.post-list { display: grid; gap: 24px; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.post { border: 1px solid var(--line); border-radius: 14px; padding: 28px; display: flex; flex-direction: column; gap: 10px; color: inherit; }
.post:hover { text-decoration: none; border-color: var(--sky); }
.post small { color: var(--muted); font-weight: 600; }
.post h3 { margin: 0; font-size: 24px; }
@media (max-width: 1000px) { .post-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .post-list { grid-template-columns: 1fr; } }

/* States */
.states-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 10px; list-style: none; padding: 0; margin: 0; }
.states-grid li { background: var(--tile); border-radius: 8px; padding: 12px 14px; font-weight: 600; color: var(--blue); }
.states-grid li small { display: block; font-weight: 400; color: var(--muted); font-size: 14px; }

/* Medicare 101 player */
.video-feature { display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; align-items: start; margin-bottom: 40px; }
.video-frame { position: relative; aspect-ratio: 16/9; background: var(--blue-deep); border-radius: 16px; overflow: hidden; }
.video-frame iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.video-meta h2 { margin: 6px 0 12px; }
.video-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.video-item { width: 100%; text-align: left; display: grid; grid-template-columns: 44px 1fr; gap: 14px; align-items: center; padding: 14px 16px; background: var(--white); border: 1px solid var(--line); border-radius: 12px; cursor: pointer; font: inherit; color: var(--ink); }
.video-item:hover { border-color: var(--sky); }
.video-item.active { border-color: var(--blue); background: var(--tile); }
.video-item strong { display: block; font-size: 17px; color: var(--blue); line-height: 1.3; }
.video-item small { color: var(--muted); font-weight: 600; font-size: 14px; }
.video-n { width: 44px; height: 44px; border-radius: 50%; background: var(--yellow); color: var(--blue); font-family: var(--serif); font-size: 22px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.video-item.active .video-n { background: var(--blue); color: var(--white); }
@media (max-width: 1000px) { .video-feature { grid-template-columns: 1fr; gap: 24px; } .video-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 640px) { .video-list { grid-template-columns: 1fr; } }