/* ===========================================================
   The Retirement Answer Team — retirementanswerteam.com
   2026 FACELIFT: photo-forward, light, green + periwinkle.
   Brand: green #8CB75E, periwinkle #77A7DB. Arial. No em-dashes.
   =========================================================== */

:root{
  --green:#8CB75E; --green-deep:#5E8E3E; --green-deeper:#4A7233;
  --peri:#77A7DB; --peri-deep:#4E80B8; --peri-deeper:#3A648F;
  --ink:#2A3340; --slate:#566070;
  --cloud:#F3F7FB;      /* light periwinkle-tinted surface */
  --sage:#F2F6EC;       /* light green-tinted surface */
  --line:#E3E9EF; --white:#fff;
  --sh-sm:0 2px 10px rgba(42,51,64,.06);
  --sh-md:0 12px 32px rgba(42,51,64,.10);
  --sh-lg:0 26px 60px rgba(42,51,64,.16);
  --r:10px; --r-sm:8px; --maxw:1200px;
  --font:Arial,"Helvetica Neue",Helvetica,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{font-family:var(--font);color:var(--ink);background:#fff;line-height:1.6;font-size:18px;overflow-x:hidden;}
h1,h2,h3,h4{font-weight:900;line-height:1.12;letter-spacing:-.02em;color:var(--ink);}
h1{font-size:clamp(2.4rem,5vw,3.6rem);}
h2{font-size:clamp(1.9rem,3.4vw,2.7rem);}
h3{font-size:1.3rem;}
p{color:var(--slate);}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}

.wrap{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.section{padding:88px 0;}
.center{text-align:center;}
.eyebrow{display:inline-block;color:var(--peri-deep);font-weight:800;font-size:14px;letter-spacing:.08em;
  text-transform:uppercase;padding:3px 0 3px 14px;border-left:4px solid var(--peri);margin-bottom:16px;}
.center .eyebrow{border-left:0;padding:0;}
.lead{font-size:1.18rem;max-width:640px;}
.center .lead{margin:0 auto;}

/* buttons (rounded-rectangle, NOT pills) */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--font);font-size:1.02rem;font-weight:800;
  padding:15px 28px;border-radius:var(--r-sm);border:2px solid transparent;cursor:pointer;
  transition:transform .18s,box-shadow .18s,background .18s,color .18s;white-space:nowrap;}
.btn-primary{background:var(--green);color:#fff;box-shadow:0 8px 20px rgba(140,183,94,.38);}
.btn-primary:hover{background:var(--green-deep);transform:translateY(-2px);}
.btn-outline{background:#fff;color:var(--peri-deep);border-color:#CFE0F2;}
.btn-outline:hover{border-color:var(--peri);color:var(--peri-deeper);transform:translateY(-2px);}
.btn-white{background:#fff;color:var(--green-deep);}
.btn-white:hover{transform:translateY(-2px);box-shadow:var(--sh-md);}
.btn-lg{padding:17px 34px;font-size:1.1rem;}

/* top utility bar */
.topbar{background:var(--peri-deeper);color:#fff;font-size:14px;}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:42px;}
.topbar a{color:#fff;opacity:.92;}.topbar a:hover{opacity:1;}
.topbar .util{display:flex;gap:22px;align-items:center;}
.topbar .lead-line{font-weight:700;}

/* header / nav */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);
  backdrop-filter:saturate(160%) blur(12px);border-bottom:1px solid var(--line);transition:box-shadow .2s;}
.header.scrolled{box-shadow:var(--sh-sm);}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;}
.brand img{height:48px;width:auto;}
.brand .txt{display:none;}
.menu{display:flex;align-items:center;gap:28px;}
.menu a{font-weight:700;font-size:1rem;color:var(--ink);position:relative;}
.menu a::after{content:"";position:absolute;left:0;bottom:-6px;height:2px;width:0;background:var(--green);transition:width .2s;}
.menu a:hover::after,.menu a.active::after{width:100%;}
.menu a.active{color:var(--green-deep);}
.nav-cta{display:flex;align-items:center;gap:14px;}
.call{background:var(--green);color:#fff;font-weight:800;padding:13px 22px;border-radius:var(--r-sm);
  box-shadow:0 6px 16px rgba(140,183,94,.34);transition:.18s;}
.call:hover{background:var(--green-deep);transform:translateY(-2px);}
.hamburger{display:none;background:none;border:0;cursor:pointer;padding:8px;}
.hamburger span{display:block;width:24px;height:2.5px;background:var(--ink);border-radius:2px;margin:5px 0;}

/* mobile menu */
.mobile-menu{display:none;}

/* hero (split: photo left, copy right) */
.hero{display:grid;grid-template-columns:2fr 3fr;min-height:600px;}
.hero-media{position:relative;overflow:hidden;background-color:#dfe9f3;min-height:600px;}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;display:block;}
.hero-copy{display:flex;align-items:center;background:#fff;padding:64px 56px;}
.hero .copy{max-width:560px;}
.hero h1{margin-top:6px;}
.hero h1 .g{color:var(--green-deep);}
.hero h1 .b{color:var(--peri-deep);}
.hero .sub{font-size:1.3rem;line-height:1.5;color:var(--slate);margin:22px 0 30px;max-width:500px;}
.hero .cta{display:flex;gap:14px;flex-wrap:wrap;}
.hero .reassure{margin-top:22px;font-size:.98rem;color:var(--slate);}
.hero .reassure b{color:var(--green-deep);}

/* trust band */
.trust{background:var(--peri-deeper);color:#fff;}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;padding:34px 24px;text-align:center;}
.trust .num{font-size:2.2rem;font-weight:900;color:#fff;}
.trust .lbl{font-size:.95rem;opacity:.85;}

/* section heads */
.sec-head{max-width:680px;margin:0 auto 50px;text-align:center;}
.sec-head p{margin-top:14px;font-size:1.12rem;}

/* products / focus */
.focus{background:var(--sage);}
.prod-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.prod{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;transition:.2s;}
.prod:hover{transform:translateY(-6px);box-shadow:var(--sh-md);border-color:transparent;}
.prod .ic{width:52px;height:52px;border-radius:13px;display:grid;place-items:center;margin-bottom:15px;}
.prod .ic svg{width:26px;height:26px;stroke-width:2;}
.prod h3{font-size:1.14rem;margin-bottom:7px;}
.prod p{font-size:.97rem;}
.ic-green{background:rgba(140,183,94,.16);color:var(--green-deeper);}
.ic-peri{background:rgba(119,167,219,.18);color:var(--peri-deeper);}
.prod.feature{grid-column:span 2;background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;border:0;
  display:flex;flex-direction:column;justify-content:space-between;}
.prod.feature h3,.prod.feature p{color:#fff;}.prod.feature p{opacity:.94;}
.prod.feature .ic{background:rgba(255,255,255,.2);color:#fff;}
.prod.feature .btn{margin-top:18px;align-self:flex-start;}

/* video / empower */
.empower{background:#fff;}
.empower .box{max-width:900px;margin:0 auto;text-align:center;}
.video-frame{position:relative;border-radius:16px;overflow:hidden;box-shadow:var(--sh-lg);
  margin:30px 0;aspect-ratio:16/9;background:linear-gradient(135deg,var(--peri),var(--peri-deep));
  display:grid;place-items:center;}
.video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0;}
.video-frame .play{width:78px;height:78px;border-radius:50%;background:rgba(255,255,255,.92);
  display:grid;place-items:center;color:var(--peri-deep);box-shadow:var(--sh-md);}
.video-frame .play svg{width:30px;height:30px;margin-left:4px;}
.video-frame .ph-note{position:absolute;bottom:14px;color:rgba(255,255,255,.9);font-size:.85rem;font-weight:700;}

/* why work */
.why{background:var(--cloud);}
.why .layout{display:grid;grid-template-columns:1fr 1.05fr;gap:54px;align-items:center;}
.why .photo{border-radius:16px;min-height:440px;background-size:cover;background-position:center;box-shadow:var(--sh-lg);}
.benefits{list-style:none;}
.benefits li{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid var(--line);}
.benefits li:last-child{border-bottom:0;}
.benefits .ic{flex:none;width:44px;height:44px;border-radius:12px;background:rgba(119,167,219,.16);
  color:var(--peri-deeper);display:grid;place-items:center;font-weight:900;font-size:1.1rem;}
.benefits b{display:block;font-size:1.06rem;color:var(--ink);}
.benefits span{color:var(--slate);font-size:.97rem;}

/* about blurb */
.about .layout{display:grid;grid-template-columns:1.1fr .9fr;gap:54px;align-items:center;}
.about .panel{border-radius:16px;min-height:360px;background:linear-gradient(135deg,var(--peri),var(--peri-deep));
  color:#fff;display:grid;place-items:center;text-align:center;padding:40px;box-shadow:var(--sh-lg);}
.about .panel .big{font-size:1.5rem;font-weight:900;line-height:1.3;}
.prose h2{margin-bottom:16px;}.prose p{margin-bottom:16px;font-size:1.05rem;}

/* carriers */
.carriers{background:var(--sage);}
.carrier-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;}
.carrier{background:#fff;border:1px solid var(--line);border-radius:var(--r);height:92px;
  display:grid;place-items:center;color:var(--slate);font-weight:800;font-size:.95rem;text-align:center;padding:10px;transition:.2s;}
.carrier:hover{box-shadow:var(--sh-sm);transform:translateY(-3px);}

/* FAQ */
.faq-list{max-width:840px;margin:0 auto;}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:14px;overflow:hidden;}
.faq-item summary{list-style:none;cursor:pointer;padding:22px 24px;font-weight:700;font-size:1.08rem;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:16px;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";font-size:1.6rem;font-weight:400;color:var(--green-deep);flex:none;}
.faq-item[open] summary::after{content:"\2212";}
.faq-item summary:hover{color:var(--green-deep);}
.faq-item .answer{padding:0 24px 22px;color:var(--slate);font-size:1.02rem;line-height:1.65;}

/* contact */
.contact{background:var(--cloud);}
.office-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-bottom:34px;}
.office{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;text-align:center;transition:.2s;}
.office:hover{box-shadow:var(--sh-md);transform:translateY(-4px);}
.office .ic{width:46px;height:46px;border-radius:12px;background:rgba(140,183,94,.16);color:var(--green-deeper);
  display:grid;place-items:center;margin:0 auto 12px;}
.office .ic svg{width:24px;height:24px;}
.office h3{margin-bottom:6px;}
.office .ph{font-size:1.35rem;font-weight:900;color:var(--peri-deep);display:inline-block;margin:6px 0;}
.office .ph:hover{color:var(--green-deep);}

/* contact form (used on contact page) */
.contact-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start;}
.form-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:40px;box-shadow:var(--sh-md);}
.form-card h2{font-size:1.7rem;margin-bottom:8px;}.form-card .sub{margin-bottom:24px;}
.field{margin-bottom:18px;}
.field label{display:block;font-weight:700;font-size:.92rem;margin-bottom:7px;}
.field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1px solid var(--line);
  border-radius:var(--r-sm);font-family:var(--font);font-size:1rem;color:var(--ink);background:var(--cloud);transition:.2s;}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--green);background:#fff;box-shadow:0 0 0 3px rgba(140,183,94,.18);}
.field textarea{resize:vertical;min-height:120px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.form-card .btn{width:100%;justify-content:center;}
.form-card .privacy{font-size:.82rem;color:var(--slate);margin-top:14px;text-align:center;}
.info-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;margin-bottom:18px;}
.info-card h3{font-size:1.1rem;margin-bottom:6px;}
.info-card .ph{font-size:1.3rem;font-weight:900;color:var(--peri-deep);}

/* CTA band */
.ctaband{background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;text-align:center;position:relative;overflow:hidden;}
.ctaband h2{color:#fff;}
.ctaband p{color:rgba(255,255,255,.94);font-size:1.16rem;max-width:580px;margin:16px auto 30px;}
.ctaband .cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* sub-page hero (inner pages) */
.subhero{background:linear-gradient(180deg,var(--cloud),#fff);padding:64px 0 56px;border-bottom:1px solid var(--line);}
.subhero .wrap{max-width:780px;}
.subhero h1{font-size:clamp(2.1rem,4.2vw,3rem);}
.subhero p{font-size:1.16rem;margin-top:14px;}
.crumbs{font-size:.86rem;color:var(--slate);margin-bottom:14px;}

/* generic split + panels (inner pages) */
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center;}
.split .panel{border-radius:16px;min-height:380px;background:linear-gradient(135deg,var(--green),var(--green-deep));
  color:#fff;display:grid;place-items:center;padding:40px;text-align:center;box-shadow:var(--sh-lg);}
.split .panel.peri{background:linear-gradient(135deg,var(--peri),var(--peri-deep));}
.split .panel .big{font-size:1.5rem;font-weight:900;line-height:1.3;}

/* values, agents, posts, pcards (inner pages) */
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.value{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;}
.value .ic{width:52px;height:52px;border-radius:13px;background:rgba(140,183,94,.16);color:var(--green-deeper);display:grid;place-items:center;margin-bottom:14px;}
.value .ic svg{width:26px;height:26px;}
.agent-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.agent{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:.2s;}
.agent:hover{transform:translateY(-6px);box-shadow:var(--sh-md);}
.agent .photo{height:230px;background:linear-gradient(135deg,var(--green),var(--green-deep));display:grid;place-items:center;color:#fff;font-size:3rem;font-weight:900;}
.agent .photo.b2{background:linear-gradient(135deg,var(--peri),var(--peri-deep));}
.agent .body{padding:24px;}.agent .body b{font-size:1.18rem;display:block;}
.agent .body .role{color:var(--green-deep);font-weight:700;font-size:.92rem;margin:2px 0 12px;}
.agent .body .links{margin-top:14px;display:flex;gap:14px;font-weight:700;font-size:.9rem;}
.agent .body .links a{color:var(--peri-deep);}
.pdetail{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;}
.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:34px;transition:.2s;}
.pcard:hover{box-shadow:var(--sh-md);transform:translateY(-4px);border-color:transparent;}
.pcard .ic{width:58px;height:58px;border-radius:14px;display:grid;place-items:center;margin-bottom:18px;}
.pcard .ic svg{width:30px;height:30px;}
.pcard h3{font-size:1.4rem;margin-bottom:10px;}.pcard p{margin-bottom:16px;}
.pcard ul{list-style:none;margin-bottom:6px;}
.pcard li{padding:6px 0;padding-left:26px;position:relative;color:var(--slate);}
.pcard li::before{content:"\2713";position:absolute;left:0;color:var(--green-deep);font-weight:900;}
.cat-pills{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-bottom:40px;}
.cat-pills a{border:1px solid var(--line);padding:9px 18px;border-radius:var(--r-sm);font-weight:700;font-size:.9rem;transition:.2s;}
.cat-pills a:hover,.cat-pills a.active{background:var(--green);color:#fff;border-color:var(--green);}
.featured-post{display:grid;grid-template-columns:1.1fr .9fr;border-radius:16px;overflow:hidden;box-shadow:var(--sh-md);border:1px solid var(--line);margin-bottom:40px;}
.featured-post .img{background:linear-gradient(135deg,var(--green),var(--green-deep));min-height:320px;display:grid;place-items:center;color:#fff;}
.featured-post .img svg{width:64px;height:64px;}
.featured-post .meta{padding:40px;}
.tag{display:inline-block;background:rgba(119,167,219,.16);color:var(--peri-deeper);font-weight:700;font-size:.78rem;padding:5px 12px;border-radius:999px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.05em;}
.featured-post .date,.post .date{color:var(--slate);font-size:.86rem;margin-top:14px;}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:.2s;}
.post:hover{transform:translateY(-6px);box-shadow:var(--sh-md);}
.post .img{height:180px;background:linear-gradient(135deg,var(--peri),var(--peri-deep));display:grid;place-items:center;color:#fff;}
.post .img.g{background:linear-gradient(135deg,var(--green),var(--green-deep));}
.post .img svg{width:46px;height:46px;}
.post .body{padding:24px;}.post h3{font-size:1.14rem;margin-bottom:8px;}.post p{font-size:.95rem;}
.testi-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;}
.testi{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:32px;box-shadow:var(--sh-sm);}
.testi .stars{color:var(--green-deep);font-size:1.1rem;letter-spacing:2px;margin-bottom:14px;}
.testi p{font-size:1.06rem;color:var(--ink);}
.testi .who{margin-top:20px;display:flex;align-items:center;gap:12px;}
.testi .av{width:46px;height:46px;border-radius:50%;background:linear-gradient(135deg,var(--green),var(--green-deep));color:#fff;display:grid;place-items:center;font-weight:900;}
.media-row{display:flex;flex-wrap:wrap;gap:16px;justify-content:center;}
.media-row .logo{background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);padding:18px 28px;font-weight:800;color:var(--slate);}
.recruit{background:linear-gradient(135deg,var(--peri-deep),var(--peri));color:#fff;}
.recruit h2{color:#fff;}.recruit p{color:rgba(255,255,255,.94);}
.recruit .layout{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
.recruit ul{list-style:none;margin:20px 0;}
.recruit li{padding:8px 0;padding-left:30px;position:relative;}
.recruit li::before{content:"\2713";position:absolute;left:0;font-weight:900;}

/* footer (family standard) */
.footer{background:#222C36;color:#C6D0DA;padding:64px 0 28px;font-size:.95rem;}
.footer .cols{display:grid;grid-template-columns:1.3fr 1.25fr .85fr 1fr;gap:36px;margin-bottom:40px;}
.footer h4{color:#fff;font-size:.95rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:16px;}
.footer a{color:#C6D0DA;display:block;padding:5px 0;}
.footer a:hover{color:var(--green);}
.footer .brand .name b{color:#fff;display:block;font-size:1.05rem;}
.footer .brand .name small{color:#9AA7B4;text-transform:uppercase;font-size:.72rem;letter-spacing:.06em;}
.footer .blurb{margin:16px 0;max-width:330px;color:#9AA7B4;}
.footer .social{display:flex;gap:12px;}
.footer .social a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);display:grid;place-items:center;}
.footer .social a svg{width:18px;height:18px;color:#C6D0DA;}
.footer .social a:hover{background:var(--green);}.footer .social a:hover svg{color:#fff;}
.footer .fam a{display:block;padding:9px 0;}
.footer .fam a b{display:block;color:#fff;font-size:.96rem;}
.footer .fam a span{display:block;color:#9AA7B4;font-size:.82rem;margin-top:1px;}
.footer .fam a:hover b{color:var(--green);}
.footer .disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;color:#8593A0;font-size:.82rem;line-height:1.7;}
.footer .legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:18px;color:#8593A0;font-size:.82rem;}

/* reveal + a11y */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s,transform .6s;}
.reveal.in{opacity:1;transform:none;}
:focus-visible{outline:3px solid var(--peri-deep);outline-offset:3px;border-radius:6px;}
.btn:focus-visible,.call:focus-visible{outline-offset:4px;}
.skip-link{position:absolute;left:12px;top:-60px;z-index:200;background:var(--green-deep);color:#fff;
  padding:12px 20px;border-radius:8px;font-weight:700;transition:top .2s;}
.skip-link:focus{top:12px;}
@media (prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important;}
  .reveal{opacity:1!important;transform:none!important;}
}

/* ===========================================================
   Responsive
   =========================================================== */
@media (max-width:980px){
  .why .layout,.about .layout,.split,.recruit .layout,.contact-layout{grid-template-columns:1fr;gap:36px;}
  .prod-grid{grid-template-columns:repeat(2,1fr);}
  .prod.feature{grid-column:span 2;}
  .trust .wrap{grid-template-columns:repeat(2,1fr);gap:28px;}
  .carrier-grid{grid-template-columns:repeat(3,1fr);}
  .office-grid{grid-template-columns:1fr;}
  .values,.pdetail,.post-grid,.testi-grid{grid-template-columns:1fr;}
  .agent-grid{grid-template-columns:1fr 1fr;}
  .featured-post{grid-template-columns:1fr;}
  .footer .cols{grid-template-columns:1fr 1fr;}
  .hero{grid-template-columns:1fr;min-height:0;}
  .hero-media{min-height:300px;}
  .hero-copy{padding:40px 24px;}
  .hero .copy{max-width:100%;}
}
/* Nav switches to the hamburger on narrow screens AND any touch device (iPad in
   both orientations, even landscape >1024px), like the iPhone. Mouse/laptop keeps inline nav. */
@media (max-width:1024px), (any-pointer:coarse){
  .menu,.nav-cta .call{display:none;}
  .hamburger{display:block;}
  .mobile-menu.open{display:block;position:fixed;inset:0;z-index:100;background:#fff;padding:28px 24px;}
  .mobile-menu .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:30px;}
  .mobile-menu .top img{height:42px;}
  .mobile-menu .close{background:none;border:0;font-size:1.9rem;cursor:pointer;line-height:1;}
  .mobile-menu a{display:block;font-size:1.3rem;font-weight:800;padding:16px 0;border-bottom:1px solid var(--line);}
  .mobile-menu .call{display:block;text-align:center;margin-top:22px;}
}
@media (max-width:640px){
  body{font-size:17px;}
  .section{padding:60px 0;}
  .prod-grid,.carrier-grid,.agent-grid,.trust .wrap{grid-template-columns:1fr 1fr;}
  .prod.feature{grid-column:span 2;}
  .footer .cols{grid-template-columns:1fr;}
  .topbar .lead-line{display:none;}
  .hero .cta .btn{width:100%;justify-content:center;}
  .field-row{grid-template-columns:1fr;}
}

/* ---------- compatibility: inner-page chrome with new theme ---------- */
.btn-ghost{background:#fff;color:var(--peri-deep);border-color:#CFE0F2;}
.btn-ghost:hover{border-color:var(--peri);color:var(--peri-deeper);transform:translateY(-2px);}
.btn-green{background:var(--green);color:#fff;box-shadow:0 8px 20px rgba(140,183,94,.38);}
.btn-green:hover{background:var(--green-deep);transform:translateY(-2px);}
.brand{display:flex;align-items:center;gap:12px;}
.brand .mark{width:44px;height:44px;border-radius:9px;flex:none;background:linear-gradient(135deg,var(--green),var(--green-deep));display:grid;place-items:center;color:#fff;font-weight:900;font-size:1.1rem;}
.brand .name{line-height:1.05;}
.brand .name b{display:block;font-size:1.05rem;font-weight:900;color:var(--ink);}
.brand .name small{display:block;font-size:.72rem;color:var(--slate);text-transform:uppercase;letter-spacing:.05em;}
.topbar .phones{display:flex;gap:20px;}
.topbar .phones span{opacity:.7;font-weight:700;margin-right:4px;}
@media (max-width:640px){ .topbar .phones{display:none;} }

/* real agent headshots fill the card photo area */
.agent .photo{background-size:cover;background-position:center top;}
.agent .body .meta{color:var(--peri-deeper);font-weight:700;font-size:.85rem;margin:2px 0 10px;}
.agent .body p{font-size:.95rem;color:var(--slate);}

/* ---------- Meet the Team: horizontal rows, full photo, read-more ---------- */
.team-list{display:flex;flex-direction:column;gap:26px;max-width:1000px;margin:0 auto;}
.team-member{display:grid;grid-template-columns:300px 1fr;gap:34px;align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:var(--sh-sm);transition:.2s;}
.team-member:hover{box-shadow:var(--sh-md);}
.team-member .photo{width:100%;border-radius:12px;overflow:hidden;background:var(--cloud);}
.team-member .photo img{width:100%;height:auto;display:block;}      /* whole photo, never cropped */
.tm-name{font-size:1.45rem;font-weight:900;color:var(--ink);}
.tm-meta{color:var(--peri-deeper);font-weight:700;font-size:.9rem;margin:3px 0 12px;}
.tm-bio{color:var(--slate);font-size:1rem;line-height:1.6;}
.tm-bio.clamp{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;}
.tm-more{background:none;border:0;color:var(--peri-deep);font-weight:800;cursor:pointer;padding:8px 0 0;font-size:.95rem;}
.tm-more:hover{color:var(--peri-deeper);text-decoration:underline;}
.tm-actions{display:flex;align-items:center;gap:10px;margin-top:18px;flex-wrap:wrap;}
.tm-actions .btn{padding:11px 18px;font-size:.95rem;}
.tm-ico{width:42px;height:42px;border-radius:10px;border:1px solid var(--line);display:grid;place-items:center;color:var(--peri-deep);transition:.18s;}
.tm-ico:hover{background:var(--peri);color:#fff;border-color:var(--peri);transform:translateY(-2px);}
.tm-ico svg{width:18px;height:18px;}
@media(max-width:680px){
  .team-member{grid-template-columns:1fr;gap:18px;text-align:center;}
  .team-member .photo{max-width:240px;margin:0 auto;}
  .tm-bio.clamp{-webkit-line-clamp:4;}
  .tm-actions{justify-content:center;}
}

/* Meet the Team: alternate photo side row to row (zigzag) */
.team-member:nth-child(even){grid-template-columns:1fr 300px;}
.team-member:nth-child(even) .photo{grid-column:2;grid-row:1;}
.team-member:nth-child(even) .photo + div{grid-column:1;grid-row:1;}
@media(max-width:680px){
  .team-member:nth-child(even){grid-template-columns:1fr;}
  .team-member:nth-child(even) .photo,
  .team-member:nth-child(even) .photo + div{grid-column:1;}
}

/* alias vars for older inline styles */
:root{--mist:#F3F7FB;--radius-sm:8px;}

/* Contact: Medicare University Qualified section + seal */
.mu{background:var(--cloud);}
.mu .layout{display:grid;grid-template-columns:260px 1fr;gap:50px;align-items:center;}
.info-card h3 svg{width:17px;height:17px;color:var(--green-deep);vertical-align:-3px;margin-right:4px;}
.mu-logo{max-width:240px;margin:0 auto;}
.mu-logo svg{width:100%;height:auto;display:block;}
.mu-points{list-style:none;}
.mu-points li{display:flex;gap:15px;padding:15px 0;border-bottom:1px solid var(--line);}
.mu-points li:last-child{border-bottom:0;}
.mu-points .ic{flex:none;width:30px;height:30px;border-radius:50%;background:var(--peri-deep);color:#fff;display:grid;place-items:center;}
.mu-points .ic svg{width:15px;height:15px;}
.mu-points b{display:block;color:var(--ink);font-size:1.06rem;}
.mu-points span{color:var(--slate);font-size:.97rem;}
@media(max-width:860px){.mu .layout{grid-template-columns:1fr;gap:30px;}}

/* footer single-line offices (declutter) */
.footer .foot-offices{display:block;color:#9AA7B4;font-size:.86rem;padding-top:10px;}

/* MU degree badge on agent cards */
.tm-badge{float:right;width:82px;height:auto;margin:2px 0 8px 16px;}
@media(max-width:680px){ .tm-badge{float:none;display:block;margin:0 auto 12px;} }

/* ---------- Canonical ecosystem footer (recolored to site palette) ---------- */
.footer .cols{grid-template-columns:1.5fr 1fr 1fr;}
.foot-eco{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-bottom:30px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.12);}
.foot-eco .eco-tag{display:inline-block;font-size:.68rem;font-weight:800;letter-spacing:1.6px;text-transform:uppercase;color:#9DC3E6;margin-bottom:8px;}
.foot-eco .eco-name{display:block;color:#fff;font-weight:800;font-size:1.02rem;margin-bottom:3px;}
.foot-eco .eco-name:hover{color:var(--green);}
.foot-eco .eco-desc{color:#9AA7B4;font-size:.84rem;margin:0 0 14px;}
.foot-eco .socials{display:flex;flex-wrap:wrap;gap:7px;}
.foot-eco .socials a{position:relative;width:31px;height:31px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#fff;font-size:16px;transition:.2s;}
.foot-eco .socials a:hover{background:var(--green);border-color:var(--green);transform:translateY(-2px);color:#fff;}
.foot-eco .soc-badge{position:absolute;bottom:-3px;right:-5px;background:var(--green);color:#15202b;font-size:8px;font-weight:700;line-height:1;padding:2px 3px;border-radius:5px;}
.foot-eco .soc-q{font-family:Georgia,serif;font-weight:700;font-size:15px;line-height:1;}
.foot-eco .soc-sk{font-weight:700;font-size:13px;line-height:1;}
@media(max-width:820px){.foot-eco{grid-template-columns:1fr 1fr;} .footer .cols{grid-template-columns:1fr 1fr;}}
@media(max-width:520px){.foot-eco{grid-template-columns:1fr;}}

.footer .footer-nap{margin-top:18px;color:#9AA7B4;font-size:.82rem;}
.footer .footer-nap a{color:#fff;}