:root {
  --bg: #f6fbf7;
  --surface: #ffffff;
  --surface-primary: #eaf8ef;
  --navy: #101a33;
  --text: #324057;
  --muted: #65738a;
  --line: #d7e8dd;
  --primary: #16834f;
  --primary-dark: #0f6b3f;
  --primary-soft: #e4f6eb;
  --primary-pale: #f0faf4;
  --shadow: 0 20px 45px rgba(20, 42, 70, 0.1);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

body.nav-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

button,
input,
select,
textarea {
  font: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 30;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(220, 232, 242, 0.85);
  backdrop-filter: blur(16px);
}

.header-inner {
  width: min(var(--max), calc(100% - 48px));
  height: 88px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: max-content;
}

.brand-mark {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  background: transparent url("/assets/renewal-wa-logo-transparent-cropped-256.png") center / contain no-repeat;
  border-radius: 50%;
  overflow: hidden;
  font-size: 0;
}

.brand-text {
  display: grid;
  gap: 1px;
}

.brand-name {
  color: var(--navy);
  font-weight: 800;
  line-height: 1.05;
}

.brand-subtitle {
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
}

.nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav a {
  position: relative;
  padding: 10px 14px;
  color: #39465a;
  font-size: 15px;
  font-weight: 700;
}

.nav a.active,
.nav a:hover {
  color: var(--primary);
}

.nav a.active::after {
  content: "";
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 2px;
  height: 3px;
  background: var(--primary);
  border-radius: 999px;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: 6px;
  background: var(--primary);
  color: #ffffff;
  font-size: 15px;
  font-weight: 800;
  line-height: 1.2;
  cursor: pointer;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.btn:hover {
  transform: translateY(-1px);
  background: var(--primary-dark);
  box-shadow: 0 14px 26px rgba(22, 131, 79, 0.22);
}

.btn.secondary {
  background: #ffffff;
  color: var(--primary);
  border-color: var(--line);
}

.btn.secondary:hover {
  background: var(--surface-primary);
  box-shadow: none;
}

.mobile-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #ffffff;
  color: var(--navy);
  cursor: pointer;
}

.mobile-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: currentColor;
  border-radius: 999px;
}

.mobile-panel {
  display: none;
}

.tpmo-disclaimer {
  border-bottom: 1px solid var(--line);
  background: #ffffff;
}

.tpmo-disclaimer .container {
  padding: 14px 0;
  color: var(--text);
  font-size: 16px;
  font-weight: 650;
  line-height: 1.45;
}

.tpmo-disclaimer strong {
  color: var(--navy);
}

.section {
  padding: 92px 0;
}

.section.tight {
  padding: 64px 0;
}

.container {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

.section-heading {
  max-width: 760px;
  margin: 0 auto 48px;
  text-align: center;
}

.section-label {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 28px;
  margin-bottom: 18px;
  padding: 5px 14px;
  border-radius: 999px;
  background: var(--primary-soft);
  color: var(--primary-dark);
  font-size: 13px;
  font-weight: 800;
}

h1,
h2,
h3,
h4 {
  margin: 0;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: 0;
}

h1 {
  max-width: 680px;
  font-size: clamp(44px, 7vw, 76px);
}

h2 {
  font-size: clamp(30px, 4vw, 44px);
}

h3 {
  font-size: 23px;
}

p {
  margin: 0;
}

.lead {
  max-width: 760px;
  color: var(--text);
  font-size: 20px;
  line-height: 1.55;
}

.hero {
  position: relative;
  min-height: 680px;
  display: flex;
  align-items: center;
  overflow: hidden;
  color: #ffffff;
  background: #0d2f28;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(8, 31, 27, 0.92), rgba(12, 55, 43, 0.76) 44%, rgba(12, 55, 43, 0.28));
  z-index: 1;
}

.hero-media {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-content {
  position: relative;
  z-index: 2;
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(320px, 440px);
  gap: 56px;
  align-items: center;
}

.hero h1,
.hero h2,
.hero h3 {
  color: #ffffff;
}

.hero .lead {
  margin-top: 24px;
  color: rgba(255, 255, 255, 0.9);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 32px;
}

.hero-note {
  margin-top: 24px;
  color: rgba(255, 255, 255, 0.74);
  font-size: 14px;
  max-width: 620px;
}

.trust-panel {
  padding: 28px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.16);
  box-shadow: var(--shadow);
  backdrop-filter: blur(16px);
}

.trust-panel h2 {
  margin-bottom: 20px;
  font-size: 24px;
}

.trust-item {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 14px;
  padding: 16px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.trust-item:first-of-type {
  border-top: 0;
  padding-top: 0;
}

.icon-box {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--primary-soft);
  color: var(--primary);
  font-weight: 900;
}

.trust-item h3 {
  color: #ffffff;
  font-size: 17px;
  margin-bottom: 4px;
}

.trust-item p {
  color: rgba(255, 255, 255, 0.78);
  font-size: 14px;
  line-height: 1.45;
}

.page-hero {
  padding: 110px 0 84px;
  background: linear-gradient(135deg, var(--primary-pale) 0%, #ffffff 100%);
}

.page-hero-grid {
  display: grid;
  grid-template-columns: 240px minmax(0, 1fr);
  gap: 64px;
  align-items: center;
}

.page-icon {
  width: 220px;
  aspect-ratio: 1;
  display: grid;
  place-items: center;
  border: 1px solid #c9ead5;
  border-radius: 8px;
  background: #ffffff;
  box-shadow: var(--shadow);
}

.page-icon svg {
  width: 104px;
  height: 104px;
  color: var(--primary);
}

.page-hero h1 {
  margin-top: 14px;
}

.page-hero .lead {
  margin-top: 22px;
}

.tabs {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 14px;
  margin: -30px auto 52px;
  position: relative;
  z-index: 2;
}

.tab-link {
  min-width: 148px;
  padding: 13px 20px;
  border-radius: 7px;
  background: #ffffff;
  color: #46546a;
  box-shadow: 0 10px 24px rgba(20, 42, 70, 0.08);
  text-align: center;
  font-weight: 800;
}

.tab-link.active,
.tab-link:hover {
  background: var(--primary);
  color: #ffffff;
}

.grid {
  display: grid;
  gap: 28px;
}

.grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid.four {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid.six {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.card {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: 0 12px 30px rgba(20, 42, 70, 0.06);
}

.card-header {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 16px;
  align-items: start;
  margin-bottom: 18px;
}

.card h3 {
  margin-bottom: 6px;
}

.card p {
  color: var(--muted);
}

.card-list {
  display: grid;
  gap: 10px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.card-list li {
  position: relative;
  padding-left: 20px;
  color: var(--text);
  font-weight: 650;
  line-height: 1.45;
}

.card-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.68em;
  width: 7px;
  height: 7px;
  border-radius: 999px;
  background: var(--primary);
}

.card-section-title {
  margin-top: 26px;
  color: var(--navy);
  font-size: 15px;
  font-weight: 900;
}

.process {
  counter-reset: process;
}

.process-card {
  position: relative;
  display: grid;
  grid-template-columns: 40px minmax(0, 1fr);
  gap: 0 16px;
  align-items: start;
}

.process-card::before {
  counter-increment: process;
  content: counter(process);
  grid-column: 1;
  grid-row: 1 / span 2;
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--primary);
  color: #ffffff;
  font-weight: 900;
}

.process-card h3,
.process-card p {
  grid-column: 2;
}

.feature {
  display: grid;
  grid-template-columns: 46px 1fr;
  gap: 16px;
  padding: 24px 0;
}

.feature h3 {
  font-size: 18px;
  margin-bottom: 4px;
}

.feature p {
  color: var(--muted);
}

.band {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: #ffffff;
}

.cta {
  padding: 52px;
  border: 1px solid #c9ead5;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--primary-pale), #ffffff);
  text-align: center;
  box-shadow: 0 14px 32px rgba(20, 42, 70, 0.06);
}

.cta p {
  max-width: 820px;
  margin: 16px auto 28px;
  color: var(--text);
  font-size: 18px;
}

.compare {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px;
}

.compare-card {
  border-left: 4px solid var(--primary);
}

.faq-list {
  max-width: 920px;
  margin: 0 auto;
  display: grid;
  gap: 14px;
}

.faq-list details {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: 0 8px 24px rgba(20, 42, 70, 0.04);
}

.faq-list summary {
  cursor: pointer;
  padding: 20px 24px;
  color: var(--navy);
  font-weight: 850;
}

.faq-list details p {
  padding: 0 24px 22px;
  color: var(--text);
}

.resource-card {
  display: flex;
  min-height: 230px;
  flex-direction: column;
  justify-content: space-between;
}

.resource-card button {
  align-self: start;
  margin-top: 24px;
}

.resource-detail {
  display: none;
  margin-top: 18px;
  color: var(--text);
  font-size: 15px;
}

.resource-card.expanded .resource-detail {
  display: block;
}

.about-panel {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 28px;
  align-items: stretch;
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(420px, 1fr);
  gap: 56px;
  align-items: start;
}

.contact-stack {
  display: grid;
  gap: 18px;
  margin-top: 34px;
}

.contact-item {
  display: grid;
  grid-template-columns: 46px 1fr;
  gap: 16px;
  padding: 24px;
  border-radius: var(--radius);
  background: #ffffff;
  box-shadow: 0 8px 24px rgba(20, 42, 70, 0.04);
}

.form {
  display: grid;
  gap: 18px;
}

.form-card {
  padding: 36px;
}

.field {
  display: grid;
  gap: 7px;
}

.field label,
.checkbox label {
  color: #405069;
  font-size: 14px;
  font-weight: 850;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid #cdd9e5;
  border-radius: 6px;
  background: #ffffff;
  color: var(--navy);
  padding: 12px 14px;
}

.field textarea {
  min-height: 130px;
  resize: vertical;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: 3px solid rgba(22, 131, 79, 0.18);
  border-color: var(--primary);
}

.field-error {
  min-height: 18px;
  color: #a43333;
  font-size: 13px;
  font-weight: 750;
}

.checkbox {
  display: grid;
  grid-template-columns: 20px 1fr;
  gap: 12px;
  align-items: start;
}

.checkbox input {
  margin-top: 3px;
}

.form-status {
  display: none;
  padding: 14px 16px;
  border-radius: 6px;
  background: #eefaf5;
  color: #116049;
  font-weight: 800;
}

.form-status.visible {
  display: block;
}

.form-warning {
  padding: 14px 16px;
  border: 1px solid #f1c36b;
  border-radius: 6px;
  background: #fff8e7;
  color: #6d4b05;
  font-weight: 800;
}

.form-note {
  margin: -2px 0 0;
  color: var(--muted);
  font-size: 14px;
  font-weight: 700;
}

.disclosure-bar {
  padding: 18px 0;
  border-top: 1px solid #c9ead5;
  border-bottom: 1px solid #c9ead5;
  background: var(--primary-pale);
  color: #405069;
  font-size: 14px;
}

.disclosure-bar .container {
  display: grid;
  gap: 8px;
}

.disclosure-bar strong {
  color: var(--navy);
}

.legal-content {
  max-width: 920px;
  margin: 0 auto;
}

.legal-content h2 {
  margin-top: 36px;
  font-size: 28px;
}

.legal-content p,
.legal-content li {
  color: var(--text);
}

.legal-content ul {
  display: grid;
  gap: 10px;
  padding-left: 24px;
}

.site-footer {
  padding: 76px 0 34px;
  background: linear-gradient(180deg, #101a33, #073126);
  color: rgba(255, 255, 255, 0.76);
}

.footer-top {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: 54px;
  padding-bottom: 52px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-logo {
  width: min(150px, 100%);
  height: auto;
  margin-bottom: 20px;
}

.footer-brand p {
  max-width: 520px;
}

.footer-cols {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 28px;
}

.site-footer h3 {
  color: #ffffff;
  font-size: 16px;
  margin-bottom: 16px;
}

.site-footer ul {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.site-footer a:hover {
  color: #ffffff;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding-top: 28px;
  font-size: 14px;
}

@media (max-width: 980px) {
  .header-inner {
    height: 76px;
  }

  .nav,
  .header-actions .btn {
    display: none;
  }

  .mobile-toggle {
    display: block;
  }

  .mobile-panel {
    position: fixed;
    inset: 76px 0 auto;
    z-index: 29;
    display: none;
    max-height: calc(100vh - 76px);
    overflow-y: auto;
    padding: 18px 24px 26px;
    border-bottom: 1px solid var(--line);
    background: #ffffff;
    box-shadow: 0 18px 40px rgba(20, 42, 70, 0.14);
  }

  body.nav-open .mobile-panel {
    display: grid;
    gap: 10px;
  }

  /* Without JS the hamburger can't open the panel, so drop the dead control and
     render the panel inline so mobile navigation still works. */
  html:not(.js) .mobile-toggle {
    display: none;
  }

  html:not(.js) .mobile-panel {
    display: grid;
    position: static;
    inset: auto;
    max-height: none;
    box-shadow: none;
    gap: 10px;
  }

  .mobile-panel a {
    padding: 12px 0;
    color: var(--navy);
    font-weight: 800;
  }

  .mobile-panel .mobile-cta {
    margin-top: 6px;
    padding: 13px 16px;
    border-radius: 6px;
    background: var(--primary);
    color: #ffffff;
    text-align: center;
  }

  .hero {
    min-height: auto;
    padding: 88px 0;
  }

  .hero-content,
  .page-hero-grid,
  .contact-layout,
  .about-panel,
  .footer-top {
    grid-template-columns: 1fr;
  }

  .trust-panel {
    max-width: 560px;
  }

  .grid.three,
  .grid.two,
  .grid.four,
  .grid.six,
  .compare {
    grid-template-columns: 1fr 1fr;
  }

  .contact-layout {
    gap: 32px;
  }
}

@media (max-width: 680px) {
  .container,
  .header-inner,
  .hero-content {
    width: min(100% - 28px, var(--max));
  }

  .brand-subtitle {
    display: none;
  }

  .hero {
    padding: 66px 0;
  }

  .hero::before {
    background: linear-gradient(180deg, rgba(8, 31, 27, 0.92), rgba(12, 55, 43, 0.78));
  }

  .hero-actions {
    flex-direction: column;
  }

  .btn {
    width: 100%;
  }

  .section {
    padding: 64px 0;
  }

  .page-hero {
    padding: 72px 0 64px;
  }

  .page-icon {
    width: 150px;
  }

  .page-icon svg {
    width: 72px;
    height: 72px;
  }

  .grid.three,
  .grid.two,
  .grid.four,
  .grid.six,
  .compare,
  .footer-cols {
    grid-template-columns: 1fr;
  }

  .card,
  .form-card,
  .cta {
    padding: 24px;
  }

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

  .footer-bottom {
    flex-direction: column;
  }

  h1 {
    font-size: 42px;
  }
}


/* ===== Tabbed sections (added at launch) ===== */
[hidden] { display: none !important; }

.tab-link {
  border: 0;
  cursor: pointer;
  font: inherit;
}

.tab-link[aria-selected="true"] {
  background: var(--primary);
  color: #ffffff;
}

.tab-panel {
  padding-top: 28px;
}

/* No-JS / pre-JS fallback: keep every panel visible when scripting is unavailable */
html:not(.js) [role="tabpanel"][hidden] {
  display: block !important;
}

@media (max-width: 680px) {
  .tabs {
    flex-wrap: nowrap;
    justify-content: flex-start;
    overflow-x: auto;
    margin-top: -18px;
    padding-bottom: 8px;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
  }

  .tab-link {
    min-width: max-content;
    scroll-snap-align: start;
  }
}

/* ===== Contact form status states ===== */
.form-status.error {
  background: #fdecec;
  color: #a43333;
}

.form-status.notice {
  background: #fff8e7;
  color: #6d4b05;
}

/* Honeypot: visually and from-AT hidden, but present for bots to trip on */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* Required-field asterisk */
.field .req,
.checkbox .req,
.segment-fieldset .req {
  color: #a43333;
}

/* Segmented inquiry selector (Medicare / Life / General) */
.segment-fieldset {
  border: 0;
  padding: 0;
  margin: 0 0 4px;
  min-width: 0;
}

.segment-fieldset legend {
  padding: 0;
  margin: 0 0 10px;
  color: #405069;
  font-size: 14px;
  font-weight: 850;
}

.segment-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

/* In-form segmented control: cohesive equal-width toggle, not floating page-nav pills */
.segment-tabs .tab-link {
  min-width: 0;
  flex: 1 1 auto;
  box-shadow: none;
  border: 1px solid var(--line);
}

.segment-panel {
  display: grid;
  gap: 18px;
}

/* Segment panels: hidden when JS is on (JS reveals the chosen one); shown without JS
   so the form stays fully usable, then validated server-side against the chosen formType. */
html:not(.js) [data-segment-panel][hidden] {
  display: grid !important;
}

/* Resource-card details: shown without JS (and the now-pointless toggle button hidden) */
html:not(.js) .resource-detail {
  display: block !important;
}

html:not(.js) [data-resource-toggle] {
  display: none !important;
}

/* ===== Accessibility: skip link, focus-visible, reduced motion ===== */
.skip-link {
  position: absolute;
  left: 12px;
  top: -64px;
  z-index: 100;
  padding: 10px 16px;
  border-radius: 6px;
  background: var(--primary);
  color: #ffffff;
  font-weight: 800;
  transition: top 160ms ease;
}

.skip-link:focus {
  top: 12px;
}

a:focus-visible,
button:focus-visible,
summary:focus-visible,
.checkbox input:focus-visible,
.tab-link:focus-visible,
[data-resource-toggle]:focus-visible,
.mobile-toggle:focus-visible {
  outline: 3px solid var(--primary);
  outline-offset: 2px;
  border-radius: 4px;
}

.hero a:focus-visible,
.site-footer a:focus-visible {
  outline-color: #ffffff;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}