/* =========================================================
   MedicareInsurancePortal.us
   "Evergreen & Sunrise": deep teal, warm cream, amber.
   Display: Fraunces   Text: Atkinson Hyperlegible (made for readability)
   Built for older eyes: 18px base, high contrast, big targets, calm motion.
   ========================================================= */
:root{
  --cream:#fbf8f1; --sand:#f3ecdc; --mint-50:#f1f9f5; --mint-100:#dff1ea; --mint-200:#bfe3d6;
  --t950:#04292b; --t900:#07393b; --t800:#0c4d50; --t700:#0f6a68; --t600:#158a82; --t500:#27a99a;
  --a300:#ffd27a; --a400:#ffc24d; --a500:#ffa81f; --a600:#e68a00;
  --ink:#062325; --text:#2b4547; --muted:#546d6f; --line:#d9e6e0; --white:#fff;
  --red:#b3261e; --green:#12805c;
  --r:20px; --r-lg:30px; --r-sm:14px;
  --ease:cubic-bezier(.2,.7,.2,1);
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Atkinson Hyperlegible',system-ui,-apple-system,'Segoe UI',sans-serif;
  --shadow:0 24px 70px rgba(4,41,43,.14);
  --shadow-lg:0 40px 110px rgba(4,41,43,.24);
}
*,*::before,*::after{box-sizing:border-box}
html{color-scheme:light;-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:100px}
body{margin:0;font-family:var(--sans);font-size:18px;line-height:1.7;color:var(--text);background:var(--cream);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img,svg{max-width:100%}
img{display:block;height:auto}
a{color:var(--t700);text-underline-offset:3px}
a:hover{color:var(--t900)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;color:var(--ink);line-height:1.1;margin:0 0 .5em;letter-spacing:-.015em;text-wrap:balance;font-optical-sizing:auto}
h2 em,h1 em{font-style:italic;font-weight:400;color:var(--t700)}
p{margin:0 0 1em;text-wrap:pretty}
.wrap{width:min(1240px,100% - 48px);margin-inline:auto}
.narrow{width:min(880px,100% - 48px);margin-inline:auto}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:10px;z-index:500}
.skip:focus{left:8px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.ico{flex:none}
:focus-visible{outline:3px solid var(--a500);outline-offset:3px;border-radius:8px}

/* scroll progress */
.progress{position:fixed;inset:0 0 auto 0;height:4px;z-index:300;pointer-events:none}
.progress span{display:block;height:100%;width:100%;transform:scaleX(0);transform-origin:0 50%;background:linear-gradient(90deg,var(--t500),var(--a400))}

/* ---------- utility bar + header ---------- */
.utility{background:var(--t950);color:var(--mint-200);font-size:.9rem}
.utility-row{display:flex;justify-content:space-between;align-items:center;min-height:42px;gap:16px}
.u-msg{display:inline-flex;align-items:center;gap:9px}
.u-msg .ico{color:var(--a400)}
.u-call{display:inline-flex;align-items:center;gap:8px;color:#fff;font-weight:700;text-decoration:none}
.u-call:hover{color:var(--a300)}
.site-header{position:sticky;top:0;z-index:200;background:rgba(251,248,241,.82);backdrop-filter:blur(16px) saturate(170%);-webkit-backdrop-filter:blur(16px) saturate(170%);border-bottom:1px solid rgba(7,57,59,.08);transition:box-shadow .3s,background .3s}
.site-header.scrolled{background:rgba(251,248,241,.94);box-shadow:0 10px 40px rgba(4,41,43,.12)}
.header-row{display:flex;align-items:center;justify-content:space-between;height:82px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--t900)}
.logo-mark{width:44px;height:44px;flex:none;transition:transform .7s var(--ease)}
.brand:hover .logo-mark{transform:rotate(-12deg) scale(1.06)}
.brand-name{font-family:var(--serif);font-weight:600;font-size:1.28rem;letter-spacing:-.02em;white-space:nowrap;color:var(--t900)}
.brand-name b{font-weight:600;color:var(--t600)}
.brand-name i{font-style:italic;font-weight:400;color:var(--a600)}
.nav{display:flex;align-items:center;gap:22px}
.nav a:not(.btn){white-space:nowrap}
.nav .btn{white-space:nowrap}
.nav-help{display:none}
.nav a:not(.btn){position:relative;color:var(--t900);text-decoration:none;font-weight:700;font-size:1rem}
.nav a:not(.btn)::after{content:'';position:absolute;left:0;right:0;bottom:-6px;height:3px;border-radius:3px;background:var(--a500);transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.nav a:not(.btn):hover::after{transform:scaleX(1)}
.menu-btn{display:none;width:54px;height:54px;border:2px solid var(--t800);background:transparent;border-radius:14px;position:relative;cursor:pointer}
.menu-btn span{position:absolute;left:14px;right:14px;height:2.5px;background:var(--t900);border-radius:2px;transition:.3s var(--ease)}
.menu-btn span:first-child{top:19px}.menu-btn span:last-child{top:29px}
.menu-btn[aria-expanded=true] span:first-child{top:24px;transform:rotate(45deg)}
.menu-btn[aria-expanded=true] span:last-child{top:24px;transform:rotate(-45deg)}

/* ---------- buttons ---------- */
.btn{position:relative;overflow:hidden;display:inline-flex;align-items:center;justify-content:center;gap:11px;font:700 1.05rem var(--sans);min-height:54px;padding:14px 28px;border-radius:var(--r-sm);border:2px solid transparent;cursor:pointer;text-decoration:none;line-height:1.2;transition:transform .25s var(--ease),box-shadow .3s,background .3s,color .3s,border-color .3s}
.btn::after{content:'';position:absolute;top:0;left:-80%;width:50%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.55),transparent);transform:skewX(-20deg);transition:left .8s var(--ease)}
.btn:hover::after{left:140%}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-primary,.btn-call{color:var(--ink);background:linear-gradient(180deg,var(--a400),var(--a500));box-shadow:0 12px 30px rgba(255,168,31,.42),inset 0 1px 0 rgba(255,255,255,.6)}
.btn-primary:hover,.btn-call:hover{color:var(--ink);box-shadow:0 18px 40px rgba(255,168,31,.55),inset 0 1px 0 rgba(255,255,255,.6)}
.btn-primary:disabled{opacity:.75;cursor:wait;transform:none}
.btn-dark{color:#fff;background:var(--t900)}
.btn-dark:hover{color:#fff;background:var(--t700)}
.btn-line{color:var(--t900);background:transparent;border-color:var(--t800)}
.btn-line:hover{background:var(--t900);color:#fff}
.btn-white{background:#fff;color:var(--t900);box-shadow:0 14px 34px rgba(0,0,0,.22)}
.btn-white:hover{color:var(--t900)}
.btn-glass{color:#fff;background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.4);backdrop-filter:blur(10px)}
.btn-glass:hover{background:rgba(255,255,255,.22);color:#fff}
.btn-sm{min-height:46px;padding:10px 20px;font-size:.98rem}
.btn-xl{min-height:64px;padding:16px 34px;font-size:1.18rem;border-radius:18px}
.btn-block{width:100%}
.btn .ico{transition:transform .3s var(--ease)}
.btn:hover .ico{transform:translateX(3px)}
.btn-call .ico,.btn-primary .btn-ico .ico{transform:none!important}

/* ---------- shared bits ---------- */
.kicker{display:inline-flex;align-items:center;gap:12px;font-size:.84rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--t700);margin:0 0 18px}
.kicker::before{content:'';width:34px;height:3px;border-radius:3px;background:var(--a500)}
.kicker.light{color:var(--a300)}
.chip{display:inline-flex;align-items:center;gap:10px;padding:9px 18px 9px 14px;border-radius:99px;background:#fff;border:1px solid var(--line);box-shadow:0 8px 24px rgba(4,41,43,.08);font-weight:700;font-size:.95rem;color:var(--t900)}
.chip .dot{width:10px;height:10px;border-radius:50%;background:var(--green);box-shadow:0 0 0 0 rgba(18,128,92,.55);animation:pulse 2.2s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 10px rgba(18,128,92,0)}100%{box-shadow:0 0 0 0 rgba(18,128,92,0)}}
.blob{position:absolute;border-radius:50%;filter:blur(80px);pointer-events:none;z-index:0;animation:float 20s ease-in-out infinite}
@keyframes float{0%,100%{transform:translate(0,0) scale(1)}50%{transform:translate(40px,-30px) scale(1.1)}}
.glass{background:linear-gradient(150deg,rgba(255,255,255,.2),rgba(255,255,255,.06));border:1px solid rgba(255,255,255,.28);backdrop-filter:blur(22px) saturate(160%);-webkit-backdrop-filter:blur(22px) saturate(160%);box-shadow:0 30px 80px rgba(0,0,0,.28),inset 0 1px 0 rgba(255,255,255,.35)}
.glass-panel{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:var(--r-lg)}
[data-spot]{--mx:50%;--my:0%;position:relative}
[data-spot]::before{content:'';position:absolute;inset:0;border-radius:inherit;pointer-events:none;background:radial-gradient(420px circle at var(--mx) var(--my),rgba(255,255,255,.16),transparent 45%);opacity:0;transition:opacity .4s;z-index:1}
[data-spot]:hover::before{opacity:1}
.arch{border-radius:999px 999px var(--r) var(--r);overflow:hidden}
.arch img{width:100%;height:100%;object-fit:cover}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;isolation:isolate;padding:64px 0 170px;background:
  radial-gradient(900px 500px at 85% 10%,rgba(39,169,154,.22),transparent 60%),
  radial-gradient(700px 500px at 5% 90%,rgba(255,194,77,.28),transparent 60%),
  linear-gradient(180deg,var(--cream) 0%,var(--mint-50) 70%,var(--mint-100) 100%)}
.hero::before{content:'';position:absolute;inset:0;z-index:-1;opacity:.5;background-image:radial-gradient(rgba(7,57,59,.12) 1.2px,transparent 1.2px);background-size:26px 26px;-webkit-mask-image:linear-gradient(180deg,#000,transparent 80%);mask-image:linear-gradient(180deg,#000,transparent 80%)}
.hero .blob.b1{width:460px;height:460px;background:rgba(255,194,77,.5);top:-120px;left:-140px}
.hero .blob.b2{width:520px;height:520px;background:rgba(39,169,154,.35);bottom:-200px;right:-120px;animation-delay:-9s}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.6rem,4.7vw,4.35rem);font-weight:600;line-height:1.02;letter-spacing:-.03em;color:var(--t950);margin:22px 0 .35em}
.hero h1 .w{display:inline-block;overflow:hidden;vertical-align:top;padding:0 .04em .14em;margin-bottom:-.14em}
.hero h1 .w>span{display:inline-block;transform:translateY(115%);animation:wordUp 1s var(--ease) forwards;animation-delay:calc(.2s + var(--i)*.08s)}
.hero h1 em{position:relative;color:var(--t700)}
.hero h1 em.u::after{content:'';position:absolute;left:0;right:0;bottom:.02em;height:.22em;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 120 12' preserveAspectRatio='none'%3E%3Cpath d='M2 8c12-8 22 6 34-1s22-6 34 0 22 5 34-1 10-2 14-2' fill='none' stroke='%23ffa81f' stroke-width='4' stroke-linecap='round'/%3E%3C/svg%3E") center/100% 100% no-repeat;clip-path:inset(0 100% 0 0);animation:wipeR 1s .95s var(--ease) forwards}
@keyframes wordUp{to{transform:none}}
@keyframes wipeR{to{clip-path:inset(0 0 0 0)}}
.lead{font-size:clamp(1.12rem,1.5vw,1.3rem);color:var(--text);max-width:34em;margin-bottom:30px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:34px}
.hero-trust{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.hero-trust li{display:flex;align-items:center;gap:14px;font-weight:700;color:var(--t900)}
.hero-trust .ico{width:38px;height:38px;padding:9px;border-radius:50%;background:#fff;color:var(--t700);box-shadow:0 6px 18px rgba(4,41,43,.1)}
.anim-in{animation:rise 1s var(--ease) both}
.anim-in.d1{animation-delay:.1s}.anim-in.d2{animation-delay:.3s}.anim-in.d3{animation-delay:.5s}.anim-in.d4{animation-delay:.7s}
@keyframes rise{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}

/* hero art: arches, rotating badge, glass chips */
.art{position:relative;min-height:640px;justify-self:end;width:min(100%,540px)}
.art .arch-main{position:absolute;right:0;top:0;width:80%;height:600px;box-shadow:var(--shadow-lg);animation:archIn 1.3s .2s var(--ease) both}
.art .arch-line{position:absolute;right:-22px;top:26px;width:80%;height:600px;border-radius:999px 999px var(--r) var(--r);border:3px solid var(--a500);opacity:.8;animation:archIn 1.3s .45s var(--ease) both}
.art .arch-main img{transform:scale(1.12);animation:kb 24s ease-in-out infinite alternate}
@keyframes kb{to{transform:scale(1.22) translateX(-2%)}}
@keyframes archIn{from{opacity:0;transform:translateY(60px) scale(.96)}to{opacity:1;transform:none}}
.art .circ{position:absolute;left:0;bottom:36px;width:210px;height:210px;border-radius:50%;overflow:hidden;border:8px solid var(--cream);box-shadow:var(--shadow);animation:rise 1.2s .75s var(--ease) both}
.art .circ img{width:100%;height:100%;object-fit:cover}
.art .badge-rot{position:absolute;left:-6px;top:70px;width:132px;height:132px;z-index:3;animation:rise 1.2s 1s var(--ease) both}
.badge-rot svg{width:100%;height:100%;animation:spinSlow 22s linear infinite}
.badge-rot .core{position:absolute;inset:26px;border-radius:50%;background:var(--t900);display:grid;place-items:center;color:var(--a400);box-shadow:0 14px 34px rgba(4,41,43,.35)}
.badge-rot text{font:700 10px var(--sans);fill:var(--t900)}
@keyframes spinSlow{to{transform:rotate(360deg)}}
.float-card{position:absolute;z-index:4;display:flex;align-items:center;gap:13px;padding:13px 20px 13px 14px;border-radius:18px;background:rgba(255,255,255,.78);border:1px solid #fff;backdrop-filter:blur(18px) saturate(170%);-webkit-backdrop-filter:blur(18px) saturate(170%);box-shadow:var(--shadow);color:var(--t900);animation:bob 7s ease-in-out infinite}
.float-card .ico{width:44px;height:44px;padding:10px;border-radius:13px;background:var(--mint-100);color:var(--t700)}
.float-card b{display:block;line-height:1.2;font-size:1rem}
.float-card span{font-size:.86rem;color:var(--muted)}
.fc-a{right:-14px;top:104px;animation-delay:-2s}
.fc-b{right:34px;bottom:-4px;animation-delay:-5s}
@keyframes bob{50%{margin-top:-9px}}

/* ---------- callback panel (overlaps hero) ---------- */
.callback{position:relative;z-index:6;margin-top:-118px;padding-bottom:30px}
.panel{display:grid;grid-template-columns:.78fr 1.5fr;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);background:#fff;border:1px solid rgba(255,255,255,.9)}
.panel-side{position:relative;isolation:isolate;overflow:hidden;padding:44px 38px;color:#fff;background:linear-gradient(160deg,var(--t800),var(--t950))}
.panel-side::before{content:'';position:absolute;inset:-30% -30% auto auto;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(255,194,77,.5),transparent 65%);z-index:-1;animation:float 14s ease-in-out infinite}
.panel-side .ps-photo{position:absolute;inset:0;z-index:-2;opacity:.2}
.panel-side .ps-photo img{width:100%;height:100%;object-fit:cover}
.panel-side h2{font-size:clamp(1.9rem,2.8vw,2.5rem);color:#fff;margin-bottom:12px}
.panel-side h2 em{color:var(--a300)}
.panel-side p{color:var(--mint-100)}
.ps-list{list-style:none;padding:0;margin:26px 0 30px;display:grid;gap:14px}
.ps-list li{display:flex;gap:13px;align-items:flex-start;color:#fff;font-weight:700}
.ps-list .ico{width:28px;height:28px;padding:5px;border-radius:50%;background:var(--a400);color:var(--ink);margin-top:1px}
.ps-call{display:flex;align-items:center;gap:15px;padding:16px 18px;border-radius:18px;text-decoration:none;color:#fff}
.ps-call .pc-ico{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--a400);color:var(--ink);flex:none}
.ps-call .pc-ico .ico{animation:ring 3.4s ease-in-out infinite}
.ps-call small{display:block;color:var(--mint-200);font-size:.88rem;line-height:1.2}
.ps-call b{font-family:var(--serif);font-size:1.7rem;letter-spacing:-.01em;font-weight:600}
@keyframes ring{0%,86%,100%{transform:rotate(0)}89%{transform:rotate(-16deg)}92%{transform:rotate(14deg)}95%{transform:rotate(-8deg)}}
.panel-form{padding:42px 44px 34px;background:linear-gradient(180deg,#fff,var(--mint-50))}
.panel-form h3{font-size:1.5rem;margin-bottom:4px}
.panel-form .sub{color:var(--muted);margin-bottom:22px}

/* form */
.field-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:18px 16px}
.field{grid-column:span 3;min-width:0}
.field:nth-child(n+3){grid-column:span 2}
.field label{display:block;font-weight:700;font-size:1rem;color:var(--t900);margin-bottom:7px}
.field input,.field select{width:100%;min-height:58px;font:400 1.1rem var(--sans);color:var(--ink);background:#fff;border:2px solid #b4d0c6;border-radius:var(--r-sm);padding:12px 16px;appearance:none;-webkit-appearance:none;transition:border-color .25s,box-shadow .25s}
.field input::placeholder{color:#7d9694}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%230f6a68' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;padding-right:44px}
.field input:hover,.field select:hover{border-color:var(--t600)}
.field input:focus,.field select:focus{outline:0;border-color:var(--t700);box-shadow:0 0 0 5px rgba(21,138,130,.22)}
.field.has-error input,.field.has-error select,.field input.error,.field select.error{border-color:var(--red);box-shadow:0 0 0 4px rgba(179,38,30,.12)}
.field-error{display:flex;gap:8px;align-items:flex-start;margin:7px 0 0;font-size:.95rem;font-weight:700;color:var(--red)}
.field-error::before{content:'!';flex:none;width:20px;height:20px;margin-top:2px;border-radius:50%;background:var(--red);color:#fff;font-size:.8rem;font-weight:800;display:grid;place-items:center}
.cb-fields{border:0;margin:0;padding:0;min-width:0}
.consent{display:flex;gap:14px;align-items:flex-start;margin-top:20px;padding:16px 18px;border-radius:var(--r-sm);background:var(--mint-50);border:2px solid var(--mint-200);cursor:pointer;transition:border-color .25s,background .25s}
.consent:hover{border-color:var(--t600)}
.consent input{flex:none;width:28px;height:28px;margin-top:2px;accent-color:var(--t700);cursor:pointer}
.consent span{font-size:.88rem;line-height:1.6;color:#294648}
.consent a{font-weight:700}
.consent.has-error{border-color:var(--red);background:#fff4f2}
.form-alert{background:#fff4f2;border:2px solid #f2b8b3;color:#7a1d17;padding:14px 18px;border-radius:var(--r-sm);margin-bottom:18px;font-weight:700}
.cb-form .btn-block{margin-top:20px;min-height:66px;font-size:1.2rem;border-radius:18px}
.cb-form .btn-label{white-space:normal;text-align:center}
.form-legal{margin-top:18px;font-size:.85rem;line-height:1.6;color:var(--muted)}
.form-legal p{margin:0 0 .6em}
.form-legal .tpmo{color:#3d5658}
.form-legal .code{font-size:.8rem;letter-spacing:.04em;color:var(--muted);margin:0}

/* ---------- topics marquee ---------- */
.marquee{background:var(--t900);color:#fff;padding:26px 0;overflow:hidden;position:relative;z-index:2}
.marquee-track{display:flex;align-items:center;gap:34px;width:max-content;animation:scroll 70s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.mq{display:inline-flex;align-items:center;gap:14px;font-family:var(--serif);font-size:clamp(1.6rem,3vw,2.4rem);white-space:nowrap;line-height:1}
.mq:nth-child(4n+1){font-style:italic;color:var(--a300)}
.mq .ico{color:var(--t500)}
.mq-dot{width:9px;height:9px;border-radius:50%;background:var(--a500);flex:none}
@keyframes scroll{to{transform:translateX(-50%)}}

/* ---------- sections ---------- */
.section{padding:128px 0;position:relative}
.section-head{max-width:760px;margin:0 0 60px}
.section-head.center{text-align:center;margin-inline:auto}
.section-head h2{font-size:clamp(2.3rem,4.6vw,3.9rem);line-height:1.04;letter-spacing:-.025em}
.section-head p{font-size:1.2rem;color:var(--muted)}

/* plan-type tabs */
.opt-grid{display:grid;grid-template-columns:.8fr 1.4fr;gap:40px;align-items:start}
.tablist{display:grid;gap:12px}
.tab{display:flex;align-items:center;gap:16px;width:100%;text-align:left;padding:18px 20px;border-radius:var(--r);border:2px solid var(--line);background:#fff;cursor:pointer;font:inherit;color:var(--t900);transition:transform .3s var(--ease),border-color .3s,box-shadow .3s,background .3s}
.tab .t-ico{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;background:var(--mint-100);color:var(--t700);flex:none;transition:.3s}
.tab b{display:block;font-family:var(--serif);font-size:1.3rem;font-weight:600;line-height:1.15}
.tab small{display:block;font-size:.95rem;color:var(--muted);line-height:1.35;margin-top:2px}
.tab:hover{transform:translateX(6px);border-color:var(--t500)}
.tab[aria-selected=true]{background:var(--t900);border-color:var(--t900);color:#fff;box-shadow:0 20px 50px rgba(4,41,43,.3);transform:translateX(10px)}
.tab[aria-selected=true] small{color:var(--mint-200)}
.tab[aria-selected=true] .t-ico{background:var(--a400);color:var(--ink)}
.tabpanels{position:relative}
.tabpanel{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:40px;box-shadow:var(--shadow)}
.tabpanel[hidden]{display:none}
.tabpanel h3{font-size:2rem;margin-bottom:10px}
.tabpanel .tp-lead{font-size:1.15rem;color:var(--text)}
.tp-points{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:12px}
.tp-points li{display:flex;gap:12px;align-items:flex-start}
.tp-points .ico{width:26px;height:26px;padding:5px;border-radius:50%;background:var(--t700);color:#fff;margin-top:2px}
.tabpanel .tp-art{aspect-ratio:3/4;box-shadow:0 24px 60px rgba(4,41,43,.22)}
.tabpanel.enter{animation:rise .6s var(--ease) both}
.res.enter{animation:rise .6s var(--ease) both}
.consent-err{margin-top:10px}
.mo.early::after{content:'';position:absolute;inset:0 0 0 auto;width:68%;background:rgba(0,0,0,.18)}
.opt-note{margin-top:22px;padding:18px 22px;border-left:5px solid var(--a500);background:var(--sand);border-radius:0 var(--r-sm) var(--r-sm) 0;font-size:1rem}

/* enrollment finder (dark) */
.enroll{background:radial-gradient(900px 600px at 90% 0%,rgba(39,169,154,.35),transparent 60%),radial-gradient(700px 500px at 0% 100%,rgba(255,194,77,.18),transparent 60%),var(--t950);color:var(--mint-100);overflow:hidden}
.enroll h2{color:#fff}.enroll h2 em{color:var(--a300)}
.enroll .section-head p{color:var(--mint-200)}
.enroll .wrap{position:relative;z-index:1}
.enroll-grid{display:grid;grid-template-columns:.85fr 1.4fr;gap:36px;align-items:start}
.scenarios{display:grid;gap:14px}
.scn{display:flex;align-items:center;gap:16px;text-align:left;width:100%;padding:20px 22px;border-radius:var(--r);cursor:pointer;font:inherit;color:#fff;background:rgba(255,255,255,.06);border:2px solid rgba(255,255,255,.16);transition:transform .3s var(--ease),background .3s,border-color .3s}
.scn .s-ico{width:52px;height:52px;flex:none;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.1);color:var(--a300)}
.scn b{display:block;font-family:var(--serif);font-size:1.28rem;font-weight:600;line-height:1.2}
.scn small{display:block;color:var(--mint-200);font-size:.95rem;line-height:1.35}
.scn:hover{background:rgba(255,255,255,.12);transform:translateY(-2px)}
.scn[aria-pressed=true]{background:var(--a400);border-color:var(--a400);color:var(--ink)}
.scn[aria-pressed=true] small{color:#43380c}
.scn[aria-pressed=true] .s-ico{background:rgba(255,255,255,.55);color:var(--ink)}
.countdown{display:flex;align-items:center;gap:18px;margin-top:24px;padding:20px 22px;border-radius:var(--r);color:#fff}
.countdown .cd-num{font-family:var(--serif);font-size:3.4rem;line-height:1;font-weight:600;color:var(--a300);min-width:1.6ch;text-align:center}
.countdown b{display:block;font-size:1.05rem}
.countdown span{color:var(--mint-200);font-size:.95rem;line-height:1.4;display:block}
.result{position:relative;min-height:460px;padding:40px;border-radius:var(--r-lg);color:#fff}
.res{display:none}
.res.on{display:block}
.res h3{color:#fff;font-size:clamp(1.8rem,3vw,2.5rem);margin-bottom:8px}
.res .res-sub{color:var(--a300);font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:.9rem;margin-bottom:10px}
.res p{color:var(--mint-100)}
.res .tip{margin-top:20px;padding:16px 20px;border-radius:var(--r-sm);background:rgba(255,194,77,.14);border:1px solid rgba(255,194,77,.4);color:#fff;font-size:1rem}
.res .btn{margin-top:22px}
.yearbar{display:grid;grid-template-columns:repeat(12,1fr);gap:6px;margin:26px 0 8px}
.mo{position:relative;text-align:center;padding:12px 0 10px;border-radius:12px;background:rgba(255,255,255,.07);font-weight:700;font-size:.95rem;color:var(--mint-200);overflow:hidden;transition:background .5s,color .5s,transform .5s var(--ease)}
.mo i{display:block;font-style:normal;font-weight:400;font-size:.75rem;opacity:.7}
.mo.hl{background:var(--a400);color:var(--ink);transform:translateY(-4px)}
.mo.hl2{background:rgba(255,194,77,.38);color:#fff}
.mo.half::after{content:'';position:absolute;inset:0 auto 0 0;width:50%;background:rgba(0,0,0,.18)}
.legend{display:flex;flex-wrap:wrap;gap:18px;font-size:.92rem;color:var(--mint-200);margin-bottom:6px}
.legend span{display:inline-flex;align-items:center;gap:8px}
.legend i{width:14px;height:14px;border-radius:4px;background:var(--a400)}
.legend i.l2{background:rgba(255,194,77,.45)}
.iepbar{display:grid;grid-template-columns:repeat(7,1fr);gap:6px;margin:26px 0 8px}
.iepbar div{text-align:center;padding:14px 4px 12px;border-radius:12px;background:rgba(255,255,255,.08);font-size:.9rem;color:var(--mint-200);transition:.5s var(--ease)}
.iepbar div b{display:block;font-family:var(--serif);font-size:1.25rem;color:#fff}
.iepbar div.birth{background:var(--a400);color:var(--ink);transform:translateY(-6px)}
.iepbar div.birth b{color:var(--ink)}
.pulse-ring{display:grid;place-items:center;margin:20px 0}
.pulse-ring span{position:relative;display:grid;place-items:center;width:120px;height:120px;border-radius:50%;background:rgba(255,194,77,.18);color:var(--a300)}
.pulse-ring span::before,.pulse-ring span::after{content:'';position:absolute;inset:0;border-radius:50%;border:2px solid var(--a400);animation:ringOut 2.6s var(--ease) infinite}
.pulse-ring span::after{animation-delay:1.3s}
@keyframes ringOut{from{transform:scale(.8);opacity:.9}to{transform:scale(1.7);opacity:0}}

/* gallery */
.gallery{position:relative;padding:130px 0 150px;background:var(--cream);overflow:hidden}
.gallery-head{text-align:center;max-width:820px;margin:0 auto 70px}
.gallery-head h2{font-size:clamp(2.3rem,4.8vw,4.2rem);line-height:1.04}
.g-row{display:grid;grid-template-columns:repeat(5,1fr);gap:22px;align-items:end}
.g-item{position:relative;will-change:transform}
.g-item .arch{width:100%;box-shadow:0 26px 70px rgba(4,41,43,.2)}
.g-item:nth-child(1) .arch{aspect-ratio:3/4.4}
.g-item:nth-child(2) .arch{aspect-ratio:3/3.6}
.g-item:nth-child(3) .arch{aspect-ratio:3/5}
.g-item:nth-child(4) .arch{aspect-ratio:3/3.9}
.g-item:nth-child(5) .arch{aspect-ratio:3/4.6}
.g-item figcaption{margin-top:14px;text-align:center;font-family:var(--serif);font-style:italic;font-size:1.2rem;color:var(--t800)}

/* how it works */
.how-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:start}
.how-sticky{position:sticky;top:120px}
.how-art{position:relative;aspect-ratio:4/5;max-width:470px;margin-inline:auto;box-shadow:var(--shadow-lg)}
.how-art img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transform:scale(1.08);transition:opacity .9s var(--ease),transform 1.4s var(--ease)}
.how-art img.on{opacity:1;transform:scale(1)}
.how-badge{position:absolute;left:-26px;bottom:44px;z-index:3;padding:16px 22px;border-radius:18px;background:var(--t900);color:#fff;box-shadow:var(--shadow);display:flex;align-items:center;gap:12px;font-weight:700}
.how-badge .ico{color:var(--a400)}
.how-steps{position:relative;padding-left:76px}
.how-line{position:absolute;left:26px;top:8px;bottom:8px;width:4px;border-radius:4px;background:var(--line)}
.how-line span{display:block;width:100%;height:100%;border-radius:4px;background:linear-gradient(180deg,var(--t500),var(--a500));transform:scaleY(0);transform-origin:top}
.hstep{position:relative;padding:6px 0 76px;opacity:.5;transition:opacity .5s}
.hstep:last-child{padding-bottom:0}
.hstep.active{opacity:1}
.hstep .num{position:absolute;left:-76px;top:0;width:56px;height:56px;border-radius:50%;display:grid;place-items:center;font-family:var(--serif);font-weight:600;font-size:1.5rem;background:#fff;border:3px solid var(--line);color:var(--t800);transition:.5s var(--ease)}
.hstep.active .num{background:var(--t800);border-color:var(--t800);color:#fff;transform:scale(1.08);box-shadow:0 12px 30px rgba(4,41,43,.3)}
.hstep h3{font-size:clamp(1.7rem,2.6vw,2.2rem)}
.hstep p{font-size:1.15rem;color:var(--muted);max-width:30em}

/* checklist */
.ready{background:linear-gradient(180deg,var(--mint-100),var(--mint-50))}
.ready-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:center}
.ready-art{position:relative;max-width:460px;margin-inline:auto}
.ready-art .arch{aspect-ratio:4/5;box-shadow:var(--shadow-lg)}
.ring{position:absolute;right:-30px;bottom:-30px;width:170px;height:170px;border-radius:50%;background:#fff;box-shadow:var(--shadow);display:grid;place-items:center}
.ring svg{position:absolute;inset:0;transform:rotate(-90deg)}
.ring circle{fill:none;stroke-width:10;stroke-linecap:round}
.ring .bg{stroke:var(--mint-100)}
.ring .fg{stroke:var(--t600);stroke-dasharray:408;stroke-dashoffset:408;transition:stroke-dashoffset .8s var(--ease),stroke .5s}
.ring.done .fg{stroke:var(--a500)}
.ring .rt{text-align:center;line-height:1}
.ring .rt b{display:block;font-family:var(--serif);font-size:2.4rem;color:var(--t900)}
.ring .rt small{font-size:.85rem;color:var(--muted);font-weight:700}
.checklist{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:12px}
.checklist label{display:flex;align-items:center;gap:16px;padding:16px 20px;border-radius:var(--r);background:#fff;border:2px solid var(--line);cursor:pointer;font-weight:700;color:var(--t900);transition:transform .3s var(--ease),border-color .3s,background .3s}
.checklist label:hover{transform:translateX(6px);border-color:var(--t500)}
.checklist input{position:absolute;opacity:0}
.checklist .box{flex:none;width:34px;height:34px;border-radius:11px;border:3px solid var(--mint-200);display:grid;place-items:center;color:transparent;transition:.3s var(--ease)}
.checklist input:checked + .box{background:var(--t700);border-color:var(--t700);color:#fff;transform:scale(1.08)}
.checklist input:checked ~ .txt{color:var(--muted);text-decoration:line-through;text-decoration-color:var(--t500)}
.checklist input:focus-visible + .box{outline:3px solid var(--a500);outline-offset:3px}
.ready-msg{min-height:3.4em;margin:20px 0 0;font-weight:700;color:var(--t800)}

/* faq */
.faq{border-top:2px solid var(--line)}
.faq details{border-bottom:2px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:28px 6px;font-family:var(--serif);font-weight:600;font-size:clamp(1.3rem,2vw,1.65rem);color:var(--ink);display:flex;align-items:center;justify-content:space-between;gap:24px;line-height:1.25;transition:color .25s}
.faq summary:hover{color:var(--t700)}
.faq summary::-webkit-details-marker{display:none}
.plus{position:relative;flex:none;width:46px;height:46px;border-radius:50%;border:2px solid var(--t800);transition:background .3s}
.plus::before,.plus::after{content:'';position:absolute;left:50%;top:50%;width:18px;height:3px;margin:-1.5px 0 0 -9px;background:var(--t800);border-radius:2px;transition:transform .4s var(--ease),background .3s}
.plus::after{transform:rotate(90deg)}
details[open] .plus{background:var(--t800)}
details[open] .plus::before,details[open] .plus::after{background:#fff}
details[open] .plus::after{transform:rotate(0)}
.faq details p{padding:0 6px 30px;margin:0;color:var(--text);max-width:46em;font-size:1.12rem;animation:fadeDown .45s var(--ease) both}
@keyframes fadeDown{from{opacity:0;transform:translateY(-10px)}to{opacity:1;transform:none}}

/* final CTA */
.cta{position:relative;overflow:hidden;isolation:isolate;padding:0 0 130px;background:var(--cream)}
.cta-card{position:relative;display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center;padding:70px 70px 70px 74px;border-radius:var(--r-lg);color:#fff;background:linear-gradient(130deg,var(--t950),var(--t800));box-shadow:var(--shadow-lg);overflow:hidden}
.cta-card::before{content:'';position:absolute;right:-120px;top:-160px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(255,194,77,.5),transparent 65%);animation:float 16s ease-in-out infinite}
.cta-card>*{position:relative}
.cta-card h2{color:#fff;font-size:clamp(2.2rem,4.4vw,3.8rem);line-height:1.04}
.cta-card h2 em{color:var(--a300)}
.cta-card p{color:var(--mint-100);font-size:1.2rem;max-width:30em}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.cta-art{justify-self:end;width:min(100%,340px)}
.cta-art .arch{aspect-ratio:3/4;box-shadow:0 30px 80px rgba(0,0,0,.4);border:6px solid rgba(255,255,255,.18)}

/* disclosures + footer */
.foot-disclosures{background:var(--sand);padding:56px 0;border-top:1px solid var(--line)}
.disclosures{display:grid;gap:14px;font-size:.98rem;line-height:1.7;color:#3b5456}
.disclosures p{margin:0}
.disclosures .d-tpmo{padding:20px 24px;border-radius:var(--r-sm);background:#fff;border-left:6px solid var(--a500);font-size:1.02rem;color:var(--ink)}
.disclosures .d-code{font-size:.85rem;letter-spacing:.06em;color:var(--muted)}
.site-footer{background:var(--t950);color:var(--mint-200);padding:84px 0 40px;font-size:1rem}
.site-footer .brand,.site-footer .brand-name,.site-footer .brand-name b{color:#fff}
.site-footer .brand-name b{color:var(--a300)}
.footer-grid{display:grid;grid-template-columns:1.5fr .8fr 1.2fr 1.1fr;gap:46px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,.12)}
.site-footer h4{font-family:var(--sans);color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.18em;margin-bottom:20px;font-weight:700}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.site-footer a{color:var(--mint-200);text-decoration:none;transition:color .2s}
.site-footer a:hover{color:#fff;text-decoration:underline}
.foot-brand p{margin:20px 0;max-width:27em}
.foot-phone{display:inline-flex;align-items:center;gap:12px;font-family:var(--serif);font-size:1.7rem;font-weight:600;color:#fff!important}
.foot-phone .ico{color:var(--a400)}
.contact-list li{line-height:1.5}
.fine-print{padding-top:30px;font-size:.88rem;line-height:1.8;color:#93b3b0}
.fine-print a{color:var(--mint-100);text-decoration:underline}

/* ---------- inner pages ---------- */
.policy-hero{position:relative;overflow:hidden;isolation:isolate;padding:92px 0 110px;background:linear-gradient(135deg,var(--t900),var(--t950));color:#fff}
.policy-hero .blob.b1{width:420px;height:420px;background:rgba(255,194,77,.4);right:-100px;top:-160px}
.policy-hero .blob.b2{width:380px;height:380px;background:rgba(39,169,154,.4);left:-120px;bottom:-200px;animation-delay:-8s}
.policy-hero .wrap{position:relative;z-index:1}
.policy-hero .kicker{color:var(--a300)}
.policy-hero h1{font-size:clamp(2.6rem,5.4vw,4.4rem);color:#fff;margin-bottom:10px;line-height:1.02}
.policy-hero .updated{margin:0;color:var(--mint-200)}
.policy{padding:0 0 120px;margin-top:-54px;position:relative;z-index:2}
.prose{padding:56px 62px}
.prose h2{font-size:1.75rem;margin-top:1.9em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.3rem;margin-top:1.5em}
.prose p,.prose li{color:#2d4a4c}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.5em}
.prose .callout{padding:20px 24px;border-radius:var(--r-sm);background:var(--sand);border-left:6px solid var(--a500);margin:1.4em 0}
.prose .callout p:last-child{margin:0}
.contact-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:28px 0}
.contact-card{padding:26px;border-radius:var(--r);background:var(--mint-50);border:2px solid var(--mint-100)}
.contact-card .ico{color:var(--t700);margin-bottom:10px}
.contact-card h3{font-size:1.2rem;margin:0 0 6px}
.contact-card p{margin:0;font-size:1.05rem}
.guide-grid{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start}
.guide-grid>*{min-width:0}
.toc{position:sticky;top:130px;padding:24px;border-radius:var(--r);background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}
.toc h2{font-family:var(--sans);font-size:.85rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.toc a{display:block;padding:9px 0;color:var(--t900);font-weight:700;text-decoration:none;border-bottom:1px solid var(--line)}
.toc a:last-child{border:0}
.toc a:hover{color:var(--t600)}
.guide-photo{margin:2em 0;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.guide-photo img{width:100%;height:auto;aspect-ratio:16/8;object-fit:cover}
.table-wrap{overflow-x:auto;margin:1.4em 0;border-radius:var(--r-sm);border:1px solid var(--line)}
.table-wrap table{border-collapse:collapse;width:100%;min-width:560px;background:#fff}
.table-wrap th{background:var(--t900);color:#fff;text-align:left;padding:14px 16px;font-size:.95rem}
.table-wrap td{padding:14px 16px;border-top:1px solid var(--line);vertical-align:top;font-size:1rem}

.thanks{position:relative;overflow:hidden;isolation:isolate;min-height:78vh;display:grid;place-items:center;padding:90px 20px;background:linear-gradient(160deg,var(--mint-100),var(--cream))}
.thanks .blob.b1{width:420px;height:420px;background:rgba(255,194,77,.5);left:-100px;top:-120px}
.thanks .blob.b2{width:460px;height:460px;background:rgba(39,169,154,.35);right:-140px;bottom:-160px;animation-delay:-8s}
.thanks-card{position:relative;z-index:1;max-width:660px;text-align:center;padding:56px 50px;border-radius:var(--r-lg);background:rgba(255,255,255,.8);border:1px solid #fff;backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:var(--shadow-lg)}
.thanks-card h1{font-size:clamp(2.4rem,5vw,3.4rem)}
.thanks-card p{font-size:1.15rem}
.tick{width:96px;height:96px;margin:0 auto 26px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(160deg,var(--t500),var(--t800));box-shadow:0 18px 44px rgba(4,41,43,.35);animation:pop .7s .2s backwards cubic-bezier(.2,1.5,.4,1)}
.tick path{stroke-dasharray:30;stroke-dashoffset:30;animation:draw .6s .7s forwards}
@keyframes pop{from{transform:scale(0)}}
@keyframes draw{to{stroke-dashoffset:0}}
.thanks-actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:26px}

/* ---------- mobile sticky bar ---------- */
.mobile-cta{display:none}

/* ---------- reveal (active only once GSAP confirms it works) ---------- */
.gsap-on [data-reveal]{opacity:0}

/* ---------- responsive ---------- */
@media(max-width:1100px){
  .hero{padding:48px 0 150px}
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .art{justify-self:center;min-height:560px;width:min(100%,480px)}
  .art .arch-main,.art .arch-line{height:520px}
  .panel{grid-template-columns:1fr}
  .panel-side{padding:36px 34px}
  .opt-grid{grid-template-columns:1fr}
  .tablist{grid-template-columns:1fr 1fr}
  .tab:hover,.tab[aria-selected=true]{transform:none}
  .enroll-grid{grid-template-columns:1fr}
  .how-grid,.ready-grid{grid-template-columns:1fr;gap:56px}
  .how-sticky{position:relative;top:0}
  .g-row{grid-template-columns:repeat(3,1fr)}
  .g-item:nth-child(n+4){display:none}
  .cta-card{grid-template-columns:1fr;padding:56px 44px}
  .cta-art{display:none}
  .footer-grid{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}
  .guide-grid{grid-template-columns:1fr}
  .toc{position:relative;top:0}
}
@media(max-width:1080px){
  .menu-btn{display:block}
  .header-row{height:76px}
  .nav{position:fixed;inset:76px 0 0 0;height:calc(100dvh - 76px);flex-direction:column;align-items:stretch;justify-content:flex-start;gap:0;padding:12px 24px 40px;overflow:auto;background:var(--cream);transform:translateY(-18px);opacity:0;visibility:hidden;pointer-events:none;transition:transform .45s var(--ease),opacity .3s,visibility 0s .45s}
  .nav.open{transform:none;opacity:1;visibility:visible;pointer-events:auto;transition:transform .45s var(--ease),opacity .3s,visibility 0s}
  .nav a:not(.btn){padding:22px 4px;border-bottom:2px solid var(--line);font-family:var(--serif);font-size:1.55rem;font-weight:600}
  .nav a::after{display:none}
  .nav .btn{margin-top:18px;min-height:62px;font-size:1.15rem}
  .site-header{z-index:250}
  .nav-help{display:block}
}
@media(max-width:900px){
  .utility .u-msg{display:none}.utility-row{justify-content:center}
  .tabpanel{grid-template-columns:1fr;padding:28px}
  .tabpanel .tp-art{max-width:300px;aspect-ratio:4/4.4}
  .field-grid{grid-template-columns:1fr 1fr}
  .field,.field:nth-child(n+3){grid-column:span 2}
  .field:nth-child(3),.field:nth-child(4){grid-column:span 1}
}
@media(max-width:700px){
  body{font-size:17px;padding-bottom:calc(84px + env(safe-area-inset-bottom))}
  .wrap,.narrow{width:min(1240px,100% - 32px)}
  .brand-name{font-size:1.04rem}
  .logo-mark{width:38px;height:38px}
  .hero{padding:30px 0 120px}
  .hero h1{font-size:clamp(2.45rem,10.6vw,3.2rem);margin-top:16px}
  .hero-actions .btn{width:100%}
  .art{min-height:420px;width:100%}
  .art .arch-main,.art .arch-line{height:380px;width:78%}
  .art .circ{width:128px;height:128px;border-width:5px;bottom:20px}
  .art .badge-rot{width:96px;height:96px;top:40px;left:-4px}
  .badge-rot .core{inset:19px}.badge-rot .core .ico{width:22px;height:22px}
  .fc-a{display:none}.fc-b{right:0;bottom:-10px;padding:10px 16px 10px 12px}
  .callback{margin-top:-96px}
  .panel-side{padding:30px 24px}
  .panel-form{padding:28px 20px 24px}
  .ps-call b{font-size:1.45rem}
  .field-grid{gap:16px 12px}
  .field input,.field select{min-height:60px;font-size:17px}
  .section{padding:84px 0}
  .section-head{margin-bottom:42px}
  .tablist{grid-template-columns:1fr}
  .tab{padding:15px 16px}
  .tab .t-ico{width:48px;height:48px}
  .enroll .result{padding:26px 22px;min-height:0}
  .yearbar{gap:4px}.mo{padding:10px 0 8px;font-size:.85rem}.mo i{display:none}
  .countdown .cd-num{font-size:2.8rem}
  .gallery{padding:84px 0 100px}
  .g-row{grid-template-columns:1fr 1fr;gap:16px}
  .g-item:nth-child(3){display:none}
  .g-item figcaption{font-size:1.02rem}
  .how-steps{padding-left:62px}
  .how-line{left:20px}
  .hstep .num{left:-62px;width:46px;height:46px;font-size:1.25rem}
  .hstep{padding-bottom:56px}
  .how-badge{left:8px;bottom:18px}
  .ring{width:128px;height:128px;right:-6px;bottom:-24px}.ring .rt b{font-size:1.8rem}
  .ring svg{transform:rotate(-90deg) scale(.75)}
  .checklist label{padding:14px 16px}
  .faq summary{padding:22px 2px}
  .plus{width:40px;height:40px}
  .cta{padding-bottom:84px}
  .cta-card{padding:42px 26px}
  .cta-actions .btn{width:100%}
  .prose{padding:32px 22px}
  .policy-hero{padding:64px 0 96px}
  .contact-cards{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:40px}
  .foot-disclosures{padding:40px 0}
  .thanks-card{padding:40px 24px}

  .mobile-cta{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:260;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(251,248,241,.9);backdrop-filter:blur(18px) saturate(160%);-webkit-backdrop-filter:blur(18px) saturate(160%);border-top:1px solid rgba(7,57,59,.12);transform:translateY(115%);transition:transform .45s var(--ease)}
  .mobile-cta.show{transform:none}
  .mobile-cta a{display:flex;align-items:center;justify-content:center;gap:9px;min-height:56px;border-radius:15px;text-decoration:none;font-weight:700;font-size:1.05rem}
  .mc-call{flex:1.05;color:var(--ink);background:linear-gradient(180deg,var(--a400),var(--a500));box-shadow:0 8px 22px rgba(255,168,31,.4)}
  .mc-quote{flex:1.25;color:#fff;background:var(--t900)}
}
@media(max-width:380px){
  .field-grid{grid-template-columns:1fr}
  .field,.field:nth-child(n+3),.field:nth-child(3),.field:nth-child(4){grid-column:span 1}
  .hero h1{font-size:2.3rem}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  .hero h1 .w>span{transform:none}.hero h1 em.u::after{clip-path:none}
  .marquee-track{animation:none}
  html{scroll-behavior:auto}
  .gsap-on [data-reveal]{opacity:1}
}