:root {
  --navy: #071522;
  --navy-2: #102a3d;
  --ink: #172231;
  --muted: #66717f;
  --line: #e8e1d6;
  --ivory: #fbf7ef;
  --white: #fffdf8;
  --gold: #b98b45;
  --eyebrow-gold: #b7833a;
  --gold-dark: #8d6329;
  --aqua: #6fb7bf;
  --shadow: 0 28px 80px rgba(7, 21, 34, 0.16);
  --radius: 8px;
  --header: 82px;
  --quote-cta-opacity: 0;
}

* {
  box-sizing: border-box;
}

[hidden] {
  display: none !important;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.55;
}

body.menu-open,
body.modal-open {
  overflow: hidden;
}

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

button {
  cursor: pointer;
}

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

a {
  color: inherit;
  text-underline-offset: 0.18em;
}

:focus-visible {
  outline: 3px solid rgba(185, 139, 69, 0.66);
  outline-offset: 4px;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 200;
  transform: translateY(-150%);
  padding: 10px 14px;
  border-radius: 999px;
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow);
}

.skip-link:focus {
  transform: translateY(0);
}

.container {
  width: min(1160px, calc(100% - 32px));
  margin: 0 auto;
}

.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 70;
  height: var(--header);
  color: #3f4146;
  transition: background 240ms ease, color 240ms ease, box-shadow 240ms ease, border-color 240ms ease;
}

.site-header.is-scrolled,
.site-header.menu-active {
  background: rgba(255, 253, 248, 0.98);
  color: var(--navy);
  border-bottom: 1px solid rgba(7, 21, 34, 0.08);
  box-shadow: 0 12px 34px rgba(7, 21, 34, 0.1);
}

.header-inner {
  width: calc(100% - 96px);
  max-width: none;
  height: 100%;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.brand {
  position: relative;
  display: inline-flex;
  align-items: center;
  width: clamp(170px, 19vw, 236px);
  min-height: 46px;
}

.brand-logo {
  width: 100%;
  height: auto;
  transition: opacity 220ms ease;
}

.brand-logo-mobile {
  display: none;
  width: 42px;
  height: auto;
}

.brand-logo-dark {
  position: absolute;
  inset: auto 0;
  opacity: 1;
}

.brand-logo-light {
  opacity: 0;
}

.site-header.is-scrolled .brand-logo-light,
.site-header.menu-active .brand-logo-light,
.site-header .brand-logo-light {
  opacity: 0;
}

.site-header.is-scrolled .brand-logo-dark,
.site-header.menu-active .brand-logo-dark,
.site-header .brand-logo-dark {
  opacity: 1;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 18px;
}

.header-phone {
  display: none;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.86rem;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}

.header-contact,
.header-schedule {
  display: none;
}

.header-schedule {
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--gold-dark);
  text-decoration: none;
  white-space: nowrap;
}

.quote-short,
.schedule-mobile-copy {
  display: none;
}

.header-schedule::before,
.menu-schedule::before,
.modal-schedule-link::before {
  content: "";
  width: 1em;
  height: 1em;
  flex: 0 0 1em;
  background: url("data:image/svg+xml,%3Csvg width='24' height='24' viewBox='0 0 24 24' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M21 8H3M16 2V5M8 2V5M12 18V12M9 15H15M7.8 22H16.2C17.8802 22 18.7202 22 19.362 21.673C19.9265 21.3854 20.3854 20.9265 20.673 20.362C21 19.7202 21 18.8802 21 17.2V8.8C21 7.11984 21 6.27976 20.673 5.63803C20.3854 5.07354 19.9265 4.6146 19.362 4.32698C18.7202 4 17.8802 4 16.2 4H7.8C6.11984 4 5.27976 4 4.63803 4.32698C4.07354 4.6146 3.6146 5.07354 3.32698 5.63803C3 6.27976 3 7.11984 3 8.8V17.2C3 18.8802 3 19.7202 3.32698 20.362C3.6146 20.9265 4.07354 21.3854 4.63803 21.673C5.27976 22 6.11984 22 7.8 22Z' stroke='%23b98b45' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / contain no-repeat;
}

.header-quote {
  display: none;
  min-height: 42px;
  padding: 10px 17px;
  font-size: 0.78rem;
  color: #fff;
  background: #1769aa;
  border-color: #1769aa;
}

.menu-toggle {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  border: 0;
  background: transparent;
  color: inherit;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
}

.hamburger {
  width: 44px;
  height: 44px;
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  padding: 0 12px;
  border: 1px solid rgba(63, 65, 70, 0.26);
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.24);
}

.site-header.is-scrolled .hamburger,
.site-header.menu-active .hamburger {
  border-color: rgba(7, 21, 34, 0.16);
}

.hamburger span {
  height: 2px;
  border-radius: 999px;
  background: currentColor;
}

.menu-overlay,
.modal-backdrop {
  position: fixed;
  inset: 0;
  z-index: 90;
  background: rgba(7, 21, 34, 0.46);
  backdrop-filter: blur(4px);
}

.side-menu {
  position: fixed;
  top: 0;
  right: 0;
  z-index: 100;
  width: min(430px, calc(100vw - 24px));
  height: 100vh;
  padding: 28px;
  overflow-y: auto;
  color: var(--navy);
  background: var(--white);
  border-left: 1px solid var(--line);
  box-shadow: -28px 0 80px rgba(7, 21, 34, 0.2);
  transform: translateX(104%);
  transition: transform 260ms ease;
}

.side-menu.is-open {
  transform: translateX(0);
}

.side-menu-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 34px;
}

.menu-label {
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.78rem;
  text-transform: uppercase;
}

.menu-close {
  padding: 8px 13px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  color: var(--navy);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.82rem;
}

.menu-nav {
  display: grid;
  gap: 22px;
}

.menu-links {
  gap: 0;
}

.menu-links a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 52px;
  padding: 4px 0;
  border-bottom: 1px solid var(--line);
  color: var(--navy);
  font-size: 1.08rem;
  text-decoration: none;
}

.menu-links a::after {
  content: "";
  width: 8px;
  height: 8px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(-45deg);
  opacity: 0.45;
}

.menu-group {
  padding-bottom: 20px;
  border-bottom: 1px solid var(--line);
}

.menu-accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--navy);
  text-align: left;
  font-size: 1.15rem;
}

.menu-chevron {
  width: 10px;
  height: 10px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg);
  transition: transform 220ms ease;
}

.menu-accordion-trigger[aria-expanded="true"] .menu-chevron {
  transform: rotate(225deg);
}

.menu-submenu {
  max-height: 0;
  overflow: hidden;
  display: grid;
  gap: 10px;
  transition: max-height 240ms ease, padding-top 240ms ease;
}

.menu-accordion-trigger[aria-expanded="true"] + .menu-submenu {
  max-height: 180px;
  padding-top: 13px;
}

.menu-submenu a {
  padding-left: 16px;
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.94rem;
  text-decoration: none;
}

.menu-submenu .menu-muted {
  color: #8c877e;
}

.menu-callout {
  margin-top: 32px;
  padding: 22px;
  border-radius: var(--radius);
  background: var(--navy);
  color: #fff;
}

.menu-phone {
  display: block;
  margin-bottom: 8px;
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 700;
}

.menu-schedule {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-bottom: 16px;
  color: var(--gold);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 1rem;
  font-weight: 700;
  text-decoration: none;
}

.menu-schedule:hover {
  color: #f1c879;
}

.hero {
  position: relative;
  min-height: 100vh;
  min-height: 100svh;
  display: grid;
  place-items: start center;
  overflow: hidden;
  color: #3f4146;
  background: #f5f3ed url("../images/hero-main.jpg") center / cover no-repeat;
}

.hero-visual {
  position: absolute;
  inset: -5%;
  background:
    linear-gradient(180deg, rgba(255, 253, 248, 0.78) 0%, rgba(255, 253, 248, 0.36) 42%, rgba(255, 253, 248, 0.08) 100%),
    linear-gradient(90deg, rgba(255, 253, 248, 0.34), rgba(255, 253, 248, 0.08) 50%, rgba(255, 253, 248, 0.04)),
    url("../images/hero-main.jpg") center / cover no-repeat;
  animation: heroZoom 24s ease-in-out infinite alternate;
}

.hero-gradient,
.hero-geometry {
  position: absolute;
  inset: 0;
}

.hero-gradient {
  background:
    radial-gradient(circle at 50% 18%, rgba(255, 253, 248, 0.64), transparent 33%),
    linear-gradient(180deg, rgba(255, 253, 248, 0.32), rgba(255, 253, 248, 0.02) 58%);
}

.hero-geometry {
  opacity: 0;
  background-image:
    linear-gradient(120deg, transparent 0 47%, rgba(63, 65, 70, 0.28) 47% 48%, transparent 48%),
    linear-gradient(60deg, transparent 0 46%, rgba(185, 139, 69, 0.34) 46% 47%, transparent 47%);
  background-size: 340px 340px, 430px 430px;
}

.hero-content {
  position: relative;
  z-index: 1;
  width: min(96vw, 1780px);
  max-width: none;
  padding: clamp(150px, 22vh, 230px) 0 0;
  text-align: center;
}

body .eyebrow {
  margin: 0 0 14px;
  color: var(--eyebrow-gold);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1,
h2,
h3 {
  margin: 0;
  line-height: 1.04;
  font-weight: 500;
}

h1,
h2,
h3 {
  font-family: "Segoe UI Light", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-weight: 200;
  letter-spacing: -0.02em;
}

h1 {
  font-size: clamp(3rem, 6.4vw, 6.1rem);
}

h2 {
  font-size: clamp(2.15rem, 4.4vw, 4.4rem);
  font-weight: 600;
}

h3 {
  font-size: clamp(1.28rem, 2vw, 1.78rem);
}

.hero-message {
  display: grid;
  justify-items: center;
  gap: 0.08em;
  width: 100%;
  margin: 0 auto;
}

.hero-line {
  display: block;
  max-width: 100%;
  overflow-wrap: normal;
  word-break: normal;
  white-space: nowrap;
  text-wrap: balance;
  color: #3f4146;
  font-family: "Segoe UI Light", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-weight: 600;
  font-style: normal;
  font-size: clamp(1.75rem, 2vw, 2.25rem);
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.hero-cta {
  min-height: 40px;
  margin-top: 34px;
  padding: 9px 17px;
  font-size: 0.78rem;
}

.hero .hero-cta {
  color: #fff;
  background: #1769aa;
  border-color: #1769aa;
  box-shadow: 0 12px 28px rgba(23, 105, 170, 0.16);
}

.menu-callout .button {
  background: #1769aa;
  border-color: #1769aa;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 13px 22px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.9rem;
  font-weight: 800;
  text-decoration: none;
  transition: transform 180ms ease, background 180ms ease, border-color 180ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-gold {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}

.button-gold:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
}

.site-header .header-quote {
  display: inline-flex;
  opacity: var(--quote-cta-opacity);
  visibility: visible;
  pointer-events: none;
  transform: translateY(calc((1 - var(--quote-cta-opacity)) * -4px));
  white-space: nowrap;
  transition:
    opacity 80ms linear,
    transform 80ms linear,
    border-color 220ms ease,
    background 220ms ease;
}

.site-header .header-quote[aria-hidden="false"] {
  pointer-events: auto;
}

.side-menu .menu-quote {
  display: inline-flex;
  min-height: 50px;
  opacity: var(--quote-cta-opacity);
  visibility: visible;
  pointer-events: none;
  transform: translateY(calc((1 - var(--quote-cta-opacity)) * -4px));
  transition: opacity 80ms linear, transform 80ms linear, border-color 220ms ease, background 220ms ease;
}

.side-menu .menu-quote[aria-hidden="false"] {
  pointer-events: auto;
}

.site-header .header-quote.button-gold,
.hero .hero-cta.button-gold,
.menu-callout .button.button-gold {
  color: #fff;
  background: #1769aa;
  border-color: #1769aa;
}

.site-header .header-quote.button-gold:hover,
.hero .hero-cta.button-gold:hover,
.menu-callout .button.button-gold:hover {
  background: #0f5f9e;
  border-color: #0f5f9e;
}

.button-light {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.48);
  background: rgba(255, 255, 255, 0.07);
}

.button-outline-light {
  color: #fff;
  border-color: rgba(255, 255, 255, 0.5);
  background: rgba(255, 255, 255, 0.08);
}

.button-muted {
  color: #d8e4e7;
  border-color: rgba(255, 255, 255, 0.22);
  background: rgba(255, 255, 255, 0.06);
}

.overlap-section {
  position: relative;
  z-index: 4;
  margin-top: -92px;
  padding-bottom: clamp(48px, 7vw, 88px);
}

.scroll-anchor {
  position: absolute;
  top: -150px;
  left: 0;
  width: 1px;
  height: 1px;
  pointer-events: none;
}

.overlap-panel {
  position: relative;
  padding: clamp(34px, 5vw, 58px);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: rgba(255, 253, 248, 0.98);
  box-shadow: var(--shadow);
}

.overlap-panel .split-layout {
  max-width: 1120px;
  margin: 0 auto;
  grid-template-columns: minmax(0, 0.5fr) minmax(0, 0.5fr);
  gap: clamp(44px, 4vw, 58px);
}

.overlap-panel .split-layout > div:first-child {
  transform: translateY(-16px);
}

#intro-title {
  max-width: 540px;
  font-family: "Segoe UI Light", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-size: clamp(3.15rem, 4.15vw, 4.35rem);
  font-weight: 600;
  line-height: 1.04;
}

#intro-title .title-line {
  display: block;
}

.overlap-panel .section-copy {
  max-width: 560px;
  transform: translateY(18px);
}

.overlap-panel .section-copy p {
  margin: 0 0 18px;
  color: #5f6a76;
  font-size: clamp(1rem, 1.05vw, 1.08rem);
  line-height: 1.42;
}

.panel-chevron {
  position: absolute;
  top: -23px;
  left: 50%;
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  transform: translateX(-50%);
  border: 1px solid var(--line);
  border-radius: 50%;
  background: var(--white);
  box-shadow: 0 14px 30px rgba(7, 21, 34, 0.12);
  animation: cuePulse 2.6s ease-in-out infinite;
}

.panel-chevron span {
  width: 12px;
  height: 12px;
  border-right: 1.5px solid var(--gold-dark);
  border-bottom: 1.5px solid var(--gold-dark);
  transform: translateY(-2px) rotate(45deg);
}

.split-layout,
.image-story,
.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: clamp(34px, 7vw, 86px);
  align-items: center;
}

.section-copy p,
.section-heading p,
.story-copy p,
.coverage-card p,
.process-card p,
.resource-card p,
.comparison-card li {
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
}

.text-button {
  justify-self: start;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--navy);
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 0.22em;
}

.problem-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 34px;
}

.problem-grid span {
  display: inline-flex;
  align-items: center;
  min-height: 38px;
  padding: 9px 13px;
  border: 1px solid rgba(185, 139, 69, 0.24);
  border-radius: 999px;
  color: var(--muted);
  background: #fff8eb;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.86rem;
  font-weight: 800;
}

.section {
  padding: clamp(78px, 10vw, 132px) 0;
}

.trust-strip {
  padding: 28px 0;
  background: var(--navy);
  color: #fff;
}

.trust-strip-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.trust-strip-grid div {
  min-height: 82px;
  display: grid;
  align-content: center;
  gap: 7px;
  padding: 12px 18px;
  border-left: 1px solid rgba(255, 255, 255, 0.18);
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 800;
}

.trust-strip-grid span {
  color: var(--gold);
  font-size: 0.78rem;
}

.about-section,
.editorial-alt,
.resources-section,
.additional-section {
  background: var(--white);
}

.profile-placeholder,
.editorial-image {
  position: relative;
  min-height: clamp(380px, 44vw, 620px);
  overflow: hidden;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  background:
    linear-gradient(145deg, rgba(7, 21, 34, 0.12), rgba(7, 21, 34, 0.58)),
    radial-gradient(circle at 24% 20%, rgba(185, 139, 69, 0.38), transparent 24%),
    linear-gradient(135deg, #efe7d9, #d9e6e8 46%, #15344a);
}

.profile-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.profile-placeholder::before,
.editorial-image::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: 0.26;
  background-image:
    linear-gradient(120deg, transparent 0 47%, #fff 47% 48%, transparent 48%),
    linear-gradient(60deg, transparent 0 47%, var(--gold) 47% 48%, transparent 48%);
  background-size: 230px 230px, 320px 320px;
}

.profile-placeholder::before {
  opacity: 0;
}

.profile-card {
  position: absolute;
  right: 26px;
  bottom: 26px;
  width: min(300px, calc(100% - 52px));
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: var(--radius);
  background: rgba(7, 21, 34, 0.72);
  color: #fff;
  backdrop-filter: blur(10px);
}

.profile-card span {
  display: block;
  margin-bottom: 12px;
  color: var(--gold);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.8rem;
  font-weight: 800;
}

.profile-card strong {
  font-size: 1.5rem;
  line-height: 1.08;
  font-weight: 500;
}

.story-copy {
  display: grid;
  gap: 0;
}

.story-copy .eyebrow {
  margin-bottom: 18px;
  color: var(--eyebrow-gold);
}

.story-copy h2 {
  margin-bottom: 28px;
}

.story-copy p:not(.eyebrow):not(.agent-conversation-cta) {
  margin: 0 0 8px;
}

.agent-conversation-cta {
  margin-top: 16px;
  color: var(--ink);
}

.agent-conversation-cta .text-button {
  display: inline;
  color: var(--ink);
}

.comparison-section,
.process-section {
  background: linear-gradient(180deg, var(--ivory), #f6efe5);
}

.process-section .section-heading {
  max-width: 1100px;
}

.process-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.process-section .section-heading h2 {
  white-space: nowrap;
}

.process-section .section-heading p:not(.eyebrow) {
  max-width: 1040px;
  margin-right: auto;
  margin-left: auto;
  font-size: clamp(1.08rem, 1.16vw, 1.2rem);
  line-height: 1.66;
}

.section-heading {
  max-width: 820px;
  margin-bottom: clamp(34px, 5vw, 60px);
}

.section-heading.centered {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 20px;
}

.comparison-card,
.coverage-card,
.process-card,
.resource-card,
.review-card {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 20px 54px rgba(7, 21, 34, 0.06);
}

.comparison-card {
  padding: clamp(26px, 4vw, 42px);
}

.comparison-card.featured {
  color: #fff;
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
}

.comparison-card.featured li {
  color: rgba(255, 255, 255, 0.78);
}

.comparison-card ul {
  display: grid;
  gap: 12px;
  margin: 24px 0 0;
  padding-left: 20px;
}

.private-aca-section .container {
  width: min(1180px, calc(100% - 32px));
}

.private-aca-section .section-heading {
  max-width: 960px;
}

.private-aca-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.private-aca-section .section-heading h2 {
  font-weight: 600;
}

.private-aca-section .section-heading p:not(.eyebrow) {
  max-width: 900px;
  margin-right: auto;
  margin-left: auto;
  font-size: clamp(1rem, 1.12vw, 1.12rem);
  line-height: 1.72;
}

.private-aca-section .comparison-panel-head {
  justify-items: center;
  padding-right: 18px;
  padding-left: 18px;
  text-align: center;
}

.private-aca-section .private-aca-panel h3 {
  max-width: 100%;
  font-weight: 600;
}

.private-aca-table {
  position: relative;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  overflow: hidden;
  border: 1px solid rgba(185, 139, 69, 0.26);
  border-radius: var(--radius);
  background:
    linear-gradient(90deg, transparent calc(50% - 0.5px), rgba(185, 139, 69, 0.32) calc(50% - 0.5px) calc(50% + 0.5px), transparent calc(50% + 0.5px)),
    #fffdf8;
  box-shadow: 0 24px 68px rgba(7, 21, 34, 0.08);
}

.private-aca-table::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: linear-gradient(90deg, rgba(185, 139, 69, 0.18), var(--eyebrow-gold), rgba(111, 183, 191, 0.28));
}

.private-aca-panel {
  position: relative;
  display: grid;
  grid-template-rows: minmax(146px, auto) 1fr;
  padding: clamp(28px, 4vw, 48px);
}

.private-aca-panel-private {
  background:
    linear-gradient(180deg, rgba(255, 248, 235, 0.86), rgba(255, 253, 248, 0.94)),
    #fffdf8;
}

.private-aca-panel-aca {
  background:
    linear-gradient(180deg, rgba(237, 245, 246, 0.78), rgba(255, 253, 248, 0.94)),
    #fffdf8;
}

.comparison-label {
  margin: 0 0 14px;
  color: var(--eyebrow-gold);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.74rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.comparison-panel-head {
  display: grid;
  align-content: start;
  padding: 0 18px 28px 42px;
}

.private-aca-panel h3 {
  max-width: 420px;
  margin: 0;
  color: var(--ink);
  font-size: clamp(1.45rem, 2vw, 2rem);
  line-height: 1.16;
}

.comparison-list {
  display: grid;
  gap: 0;
  grid-template-rows: repeat(5, minmax(86px, 1fr));
  margin: 0;
  padding: 0;
  list-style: none;
  border-top: 1px solid rgba(7, 21, 34, 0.08);
}

.comparison-list li {
  position: relative;
  display: flex;
  align-items: center;
  min-height: 86px;
  padding: 18px 18px 18px 42px;
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.5;
}

.comparison-list li:nth-child(odd) {
  background: rgba(255, 248, 235, 0.58);
}

.private-aca-panel-aca .comparison-list li:nth-child(odd) {
  background: rgba(237, 245, 246, 0.66);
}

.comparison-list li + li {
  border-top: 1px solid rgba(7, 21, 34, 0.08);
}

.comparison-list li::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 18px;
  width: 9px;
  height: 9px;
  border: 2px solid rgba(185, 139, 69, 0.72);
  border-radius: 50%;
  background: #fffdf8;
  transform: translateY(-50%);
}

.private-aca-note {
  max-width: 840px;
  margin-top: 0;
  margin-bottom: 0;
  color: var(--ink);
  font-size: clamp(1.04rem, 1.16vw, 1.18rem);
  line-height: 1.68;
}

.private-aca-close {
  display: grid;
  justify-items: center;
  gap: 12px;
  margin-top: 36px;
  text-align: center;
}

.private-aca-cta {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: clamp(1rem, 1.08vw, 1.12rem);
}

.private-aca-cta .text-button {
  display: inline;
  color: var(--ink);
  text-decoration: none;
}

.agent-comparison-section .container {
  width: min(1180px, calc(100% - 32px));
}

.agent-comparison-section .section-heading {
  max-width: 980px;
}

.agent-comparison-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.agent-comparison-section .section-heading h2,
.agent-comparison-section .private-aca-panel h3 {
  font-weight: 600;
}

.agent-comparison-section .section-heading p:not(.eyebrow) {
  max-width: 900px;
  margin-right: auto;
  margin-left: auto;
  font-size: clamp(1rem, 1.12vw, 1.12rem);
  line-height: 1.72;
}

.agent-comparison-section .comparison-list {
  grid-template-rows: repeat(4, minmax(92px, 1fr));
}

.agent-comparison-section .comparison-list li {
  min-height: 92px;
}

.agent-comparison-section .comparison-panel-head {
  justify-items: center;
  padding-right: 18px;
  padding-left: 18px;
  text-align: center;
}

.agent-comparison-section .private-aca-panel h3 {
  max-width: 100%;
}

.agent-comparison-note {
  max-width: 840px;
  margin-top: 0;
  margin-bottom: 0;
  color: var(--ink);
  font-size: clamp(1.04rem, 1.16vw, 1.18rem);
  line-height: 1.68;
}

.agent-comparison-close {
  display: grid;
  justify-items: center;
  gap: 12px;
  margin-top: 36px;
  text-align: center;
}

.agent-comparison-cta {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: clamp(1rem, 1.08vw, 1.12rem);
}

.agent-comparison-cta .text-button {
  display: inline;
  color: var(--ink);
}

.coverage-section {
  background: var(--white);
}

.coverage-section .container {
  max-width: 1200px;
}

.coverage-section .section-heading {
  width: 100%;
  max-width: 1200px;
  margin-right: auto;
  margin-bottom: clamp(38px, 4.5vw, 58px);
  margin-left: auto;
  text-align: center;
}

.coverage-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
  font-size: 0.78rem;
  letter-spacing: 0.13em;
}

.coverage-section .section-heading h2 {
  white-space: nowrap;
  overflow-wrap: normal;
  word-break: normal;
  color: #3f4146;
  font-family: "Segoe UI Light", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  font-size: clamp(2.9rem, 3.45vw, 3.65rem);
  font-weight: 600;
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin-bottom: 34px;
}

.coverage-section .section-heading p {
  max-width: 1180px;
  margin: 0 auto 11px;
  font-size: clamp(0.98rem, 1.02vw, 1.06rem);
  line-height: 1.56;
  text-wrap: pretty;
}

.coverage-section .section-heading p:last-child {
  margin-bottom: 0;
}

.coverage-section .section-heading .copy-line {
  display: block;
  white-space: nowrap;
}

.coverage-section .coverage-grid {
  max-width: 1200px;
  margin: 0 auto;
}

.supplemental-section,
.faq-section {
  background: var(--ivory);
}

.supplemental-section .section-heading {
  max-width: 1160px;
  margin-bottom: clamp(30px, 4vw, 50px);
  margin-right: auto;
  margin-left: auto;
  text-align: center;
}

.supplemental-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.supplemental-section .section-heading h2 {
  font-size: clamp(3rem, 5.1vw, 4.35rem);
  font-weight: 600;
  white-space: nowrap;
}

.supplemental-section .section-heading p:not(.eyebrow) {
  max-width: 1080px;
  margin-right: auto;
  margin-left: auto;
  font-size: clamp(1.08rem, 1.16vw, 1.2rem);
  line-height: 1.66;
}

.supplemental-section .section-heading h2 + p {
  margin-top: clamp(28px, 3vw, 42px);
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 16px;
}

.coverage-card {
  grid-column: span 2;
  min-height: 252px;
  padding: 26px;
}

.coverage-card.primary {
  grid-column: span 3;
  min-height: 310px;
  background: linear-gradient(180deg, #fff, #fbf5ea);
}

.coverage-card.wide {
  grid-column: span 6;
}

.supplemental-grid,
.additional-grid,
.faq-grid {
  display: grid;
  gap: 16px;
}

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

.additional-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  max-width: 980px;
  margin-inline: auto;
}

.supplemental-grid .coverage-card,
.additional-grid .coverage-card {
  grid-column: auto;
  min-height: 230px;
}

.additional-section .section-heading {
  max-width: 1050px;
  margin-inline: auto;
  text-align: center;
}

.additional-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.additional-section .section-heading h2 {
  white-space: nowrap;
}

.additional-section .section-heading p:not(.eyebrow) {
  max-width: 980px;
  margin-inline: auto;
  font-size: clamp(1.08rem, 1.16vw, 1.2rem);
  line-height: 1.66;
}

.additional-section .comparison-note {
  max-width: 940px;
  line-height: 1.6;
}

.coverage-card span,
.resource-card span {
  display: inline-flex;
  margin-bottom: 26px;
  padding: 7px 11px;
  border: 1px solid rgba(185, 139, 69, 0.3);
  border-radius: 999px;
  color: var(--gold-dark);
  background: #fff8eb;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.74rem;
  font-weight: 800;
  text-transform: uppercase;
}

.comparison-note {
  max-width: 880px;
  margin: 32px auto 0;
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 1.02rem;
  text-align: center;
}

.process-grid,
.resources-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.process-card,
.resource-card {
  min-height: 280px;
  padding: clamp(24px, 4vw, 36px);
}

.process-cta {
  margin: 34px 0 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: clamp(1rem, 1.08vw, 1.12rem);
  text-align: center;
}

.process-cta .text-button {
  display: inline;
  color: var(--ink);
}

.process-card span {
  display: inline-flex;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  margin-bottom: 28px;
  border: 1px solid rgba(185, 139, 69, 0.35);
  border-radius: 50%;
  color: var(--gold-dark);
  background: #fff8eb;
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 800;
}

.editorial-section {
  background: var(--ivory);
}

.image-story.image-left {
  grid-template-columns: minmax(0, 1.06fr) minmax(0, 0.94fr);
}

.image-story.image-right {
  grid-template-columns: minmax(0, 0.94fr) minmax(0, 1.06fr);
}

.editorial-image-one {
  background:
    linear-gradient(145deg, rgba(7, 21, 34, 0.1), rgba(7, 21, 34, 0.56)),
    radial-gradient(circle at 30% 28%, rgba(111, 183, 191, 0.36), transparent 26%),
    linear-gradient(135deg, #f3eadb, #dce7e4 45%, #102a3d);
}

.editorial-image-two {
  background:
    linear-gradient(145deg, rgba(7, 21, 34, 0.12), rgba(7, 21, 34, 0.6)),
    radial-gradient(circle at 74% 22%, rgba(185, 139, 69, 0.34), transparent 27%),
    linear-gradient(135deg, #f7f0e5, #d7e4e6 44%, #071522);
}

.reviews-section {
  background: linear-gradient(180deg, var(--white), var(--ivory));
}

.reviews-heading {
  max-width: 1160px;
  margin-right: auto;
  margin-left: auto;
  margin-bottom: clamp(38px, 4.5vw, 58px);
  text-align: center;
}

.reviews-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.reviews-heading h2 {
  font-size: clamp(2.35rem, 4vw, 4.05rem);
  white-space: nowrap;
}

.reviews-heading p:not(.eyebrow) {
  max-width: 1040px;
  margin-right: auto;
  margin-left: auto;
  font-size: clamp(1.08rem, 1.16vw, 1.2rem);
  line-height: 1.66;
}

.reviews-widget {
  max-width: 1160px;
  margin: 0 auto;
}

.reviews-track {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  transition: opacity 220ms ease, transform 220ms ease;
}

.reviews-track.is-transitioning {
  opacity: 0;
  transform: translateY(8px);
}

.review-card {
  min-height: 280px;
  padding: 26px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.review-stars {
  color: var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 800;
}

.review-card blockquote {
  margin: 20px 0;
  color: var(--ink);
  font-size: 1.02rem;
}

.review-meta {
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.86rem;
}

.review-meta strong {
  display: block;
  color: var(--navy);
}

.review-meta span,
.review-meta em {
  display: block;
  margin-top: 5px;
  font-style: normal;
}

.review-meta em {
  color: var(--gold-dark);
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
}

.reviews-more {
  display: flex;
  justify-content: center;
  margin-top: 28px;
}

.faq-grid {
  max-width: 1040px;
  margin-inline: auto;
  grid-template-columns: 1fr;
  gap: 12px;
}

.faq-card {
  overflow: hidden;
  min-height: 0;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 18px 46px rgba(7, 21, 34, 0.04);
}

.faq-section .section-heading {
  max-width: 1040px;
  margin-inline: auto;
  text-align: center;
}

.faq-section .section-heading .eyebrow {
  color: var(--eyebrow-gold);
}

.faq-section .section-heading h2 {
  max-width: 1040px;
  margin-inline: auto;
  font-size: clamp(2.5rem, 3.55vw, 3.65rem);
  text-align: center;
  white-space: nowrap;
}

.faq-card h3 {
  margin: 0;
}

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 22px clamp(20px, 3vw, 30px);
  border: 0;
  background: transparent;
  color: var(--ink);
  font: inherit;
  font-size: clamp(1.08rem, 1.28vw, 1.24rem);
  font-weight: 600;
  line-height: 1.28;
  text-align: left;
  cursor: pointer;
}

.faq-trigger:focus-visible {
  outline: 3px solid rgba(185, 139, 69, 0.34);
  outline-offset: -5px;
}

.faq-icon {
  position: relative;
  width: 18px;
  height: 18px;
  flex: 0 0 18px;
  border-radius: 50%;
}

.faq-icon::before,
.faq-icon::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 14px;
  height: 2px;
  border-radius: 999px;
  background: var(--eyebrow-gold);
  transform: translate(-50%, -50%);
  transition: transform 220ms ease;
}

.faq-icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.faq-trigger[aria-expanded="true"] .faq-icon::after {
  transform: translate(-50%, -50%) rotate(0deg);
}

.faq-answer {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows 260ms ease;
}

.faq-card.is-open .faq-answer {
  grid-template-rows: 1fr;
}

.faq-answer-inner {
  overflow: hidden;
}

.faq-card p {
  max-width: 900px;
  margin: 0;
  padding: 0 clamp(20px, 3vw, 30px) 24px;
  color: var(--muted);
  font-family: Arial, Helvetica, sans-serif;
  font-size: clamp(1rem, 1vw, 1.08rem);
  line-height: 1.66;
}

.carousel-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  margin-top: 24px;
}

.carousel-arrow {
  padding: 10px 14px;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: #fff;
  color: var(--navy);
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 800;
}

.carousel-dots {
  display: flex;
  gap: 8px;
}

.carousel-dots button {
  width: 10px;
  height: 10px;
  padding: 0;
  border: 1px solid var(--gold);
  border-radius: 50%;
  background: transparent;
}

.carousel-dots button.is-active {
  background: var(--gold);
}

.final-cta {
  position: relative;
  overflow: hidden;
  min-height: clamp(660px, 50vw, 840px);
  display: grid;
  align-items: center;
  padding: clamp(140px, 15vw, 200px) 0;
  color: #fff;
  background:
    linear-gradient(90deg, rgba(7, 21, 34, 0.92), rgba(7, 21, 34, 0.66)),
    url("../images/final-cta-couple-reviewing-screen.jpg") center / cover no-repeat,
    linear-gradient(135deg, var(--navy), var(--navy-2));
}

.final-cta-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: clamp(34px, 5vw, 72px);
}

.final-cta .eyebrow {
  color: var(--eyebrow-gold);
}

.final-cta h2 {
  max-width: 850px;
  font-size: clamp(2.35rem, 3.05vw, 3.45rem);
  line-height: 1.05;
  white-space: nowrap;
}

.final-cta p {
  max-width: 640px;
  color: rgba(255, 255, 255, 0.76);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.62;
}

.final-actions {
  display: flex;
  align-items: flex-start;
  flex-direction: column;
  gap: 12px;
  min-width: 250px;
}

.final-actions .button-gold {
  background: #1769aa;
  border-color: #1769aa;
  color: #fff;
  box-shadow: 0 16px 34px rgba(23, 105, 170, 0.2);
}

.site-footer {
  padding: 58px 0 34px;
  color: rgba(255, 255, 255, 0.76);
  background: #06111c;
  font-family: Arial, Helvetica, sans-serif;
}

.footer-logo {
  width: 210px;
  margin-bottom: 18px;
}

.footer-grid {
  align-items: start;
}

.footer-grid a,
.footer-grid strong {
  color: #fff;
}

.footer-legal {
  margin-top: 38px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  font-size: 0.78rem;
}

.quote-modal {
  position: fixed;
  inset: 0;
  z-index: 110;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 18px;
  color: #fff;
}

.quote-modal.is-open {
  display: flex;
}

.modal-shell {
  position: relative;
  width: min(920px, 100%);
  max-height: min(90vh, 860px);
  overflow-y: auto;
  padding: clamp(24px, 4vw, 42px);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 12px;
  background:
    linear-gradient(135deg, rgba(7, 21, 34, 0.98), rgba(14, 37, 54, 0.98)),
    radial-gradient(circle at 90% 10%, rgba(185, 139, 69, 0.18), transparent 30%);
  box-shadow: 0 36px 100px rgba(0, 0, 0, 0.42);
}

.modal-form {
  display: flex;
  min-height: 0;
  flex-direction: column;
}

.modal-close {
  position: absolute;
  top: 18px;
  right: 18px;
  padding: 8px 13px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
  color: #fff;
}

.modal-intro {
  max-width: 640px;
  padding-right: 80px;
}

.modal-intro p:not(.eyebrow) {
  color: rgba(255, 255, 255, 0.72);
  font-family: Arial, Helvetica, sans-serif;
}

.modal-schedule-link {
  display: none;
}

.form-progress {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin: 28px 0;
}

.form-progress span {
  height: 6px;
  overflow: hidden;
  color: transparent;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.16);
}

.form-progress span.is-active,
.form-progress span.is-complete {
  background: var(--gold);
}

.form-status {
  margin-bottom: 18px;
  padding: 12px 14px;
  border-radius: var(--radius);
  background: rgba(111, 183, 191, 0.16);
  color: #dff5f6;
  font-family: Arial, Helvetica, sans-serif;
}

.form-status.is-error {
  background: rgba(185, 78, 54, 0.18);
  color: #ffd9d1;
}

.form-step {
  display: none;
  margin: 0;
  padding: 0;
  border: 0;
}

.form-step.is-active {
  display: block;
}

.form-step legend {
  margin-bottom: 22px;
  font-size: clamp(1.5rem, 3vw, 2.3rem);
  line-height: 1.1;
}

.choice-grid,
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.choice-grid label {
  cursor: pointer;
}

.choice-grid input {
  position: absolute;
  opacity: 0;
}

.choice-grid span {
  min-height: 74px;
  display: flex;
  align-items: center;
  padding: 16px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.06);
  color: rgba(255, 255, 255, 0.86);
  font-family: Arial, Helvetica, sans-serif;
  font-weight: 800;
}

.choice-grid input:checked + span,
.choice-grid input:focus-visible + span {
  border-color: var(--gold);
  background: rgba(185, 139, 69, 0.18);
}

.form-grid label,
.sms-consent {
  display: grid;
  gap: 7px;
  color: rgba(255, 255, 255, 0.88);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.86rem;
  font-weight: 800;
}

.form-grid input,
.form-grid select,
.form-grid textarea {
  width: 100%;
  height: 48px;
  min-height: 48px;
  padding: 12px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  line-height: 1.25;
  appearance: none;
  -webkit-appearance: none;
}

.form-grid option {
  color: var(--navy);
}

.form-grid textarea {
  height: auto;
  min-height: 112px;
}

.form-wide {
  grid-column: 1 / -1;
}

.optional {
  color: rgba(255, 255, 255, 0.58);
  font-weight: 400;
}

.sms-consent {
  grid-template-columns: auto 1fr;
  align-items: start;
  gap: 10px;
  margin-top: 18px;
  color: rgba(255, 255, 255, 0.72);
  font-weight: 400;
}

.cf-turnstile {
  margin-top: 18px;
}

.turnstile-note {
  margin: 8px 0 0;
  color: rgba(255, 255, 255, 0.58);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.78rem;
}

.consent {
  color: rgba(255, 255, 255, 0.64);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 0.84rem;
}

.form-actions {
  position: sticky;
  bottom: -42px;
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 26px;
  padding: 18px 0 0;
}

.reveal-enabled [data-reveal] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 560ms ease, transform 560ms ease;
}

.reveal-enabled [data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-enabled .coverage-grid [data-reveal]:nth-child(2),
.reveal-enabled .process-grid [data-reveal]:nth-child(2),
.reveal-enabled .resources-grid [data-reveal]:nth-child(2) {
  transition-delay: 80ms;
}

.reveal-enabled .coverage-grid [data-reveal]:nth-child(3),
.reveal-enabled .process-grid [data-reveal]:nth-child(3),
.reveal-enabled .resources-grid [data-reveal]:nth-child(3) {
  transition-delay: 160ms;
}

@keyframes heroZoom {
  from {
    transform: scale(1);
  }

  to {
    transform: scale(1.075);
  }
}

@keyframes cuePulse {
  0%,
  100% {
    transform: translateX(-50%) translateY(0);
  }

  50% {
    transform: translateX(-50%) translateY(6px);
  }
}

@media (min-width: 760px) {
  .header-contact {
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: 3px;
  }

  .header-phone,
  .header-schedule {
    display: inline-flex;
    align-items: center;
    gap: 7px;
  }

  .header-schedule {
    justify-content: flex-end;
  }
}

@media (max-width: 980px) {
  :root {
    --header: 74px;
  }

  .split-layout,
  .image-story,
  .image-story.image-left,
  .image-story.image-right,
  .footer-grid,
  .comparison-grid {
    grid-template-columns: 1fr;
  }

  .private-aca-table {
    grid-template-columns: 1fr;
    background: #fffdf8;
  }

  .private-aca-panel + .private-aca-panel {
    border-top: 1px solid rgba(185, 139, 69, 0.24);
  }

  .private-aca-panel h3 {
    max-width: 100%;
  }

  .private-aca-panel {
    grid-template-rows: auto auto;
  }

  .comparison-panel-head {
    min-height: 0;
    padding-bottom: 24px;
  }

  .comparison-list {
    grid-template-rows: none;
  }

  .overlap-panel .split-layout {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .overlap-panel .split-layout > div:first-child {
    transform: none;
  }

  #intro-title,
  .overlap-panel .section-copy {
    max-width: 680px;
  }

  .overlap-panel .section-copy {
    transform: none;
  }

  .trust-strip-grid,
  .process-grid,
  .resources-grid,
  .supplemental-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

  .coverage-card,
  .coverage-card.primary,
  .coverage-card.wide {
    grid-column: auto;
  }

  .coverage-section .section-heading {
    max-width: 100%;
    margin-bottom: 34px;
  }

  .coverage-section .section-heading h2 {
    white-space: normal;
    font-size: clamp(2.15rem, 5.5vw, 3rem);
    margin-bottom: 22px;
  }

  .coverage-section .section-heading p {
    max-width: 100%;
  }

  .coverage-section .section-heading .copy-line {
    display: inline;
    white-space: normal;
  }

  .supplemental-section .section-heading h2 {
    white-space: normal;
    font-size: clamp(2.35rem, 7vw, 3.35rem);
  }

  .additional-section .section-heading h2 {
    white-space: normal;
  }

  .faq-section .section-heading h2 {
    white-space: normal;
  }

  .reviews-heading h2 {
    white-space: normal;
  }

  .process-section .section-heading h2 {
    white-space: normal;
  }

  .reviews-track {
    grid-template-columns: 1fr;
  }

  .final-cta-inner {
    align-items: flex-start;
    grid-template-columns: 1fr;
  }

  .final-cta h2 {
    white-space: normal;
  }

  .hero-line {
    font-size: clamp(1.65rem, 3vw, 2.1rem);
  }
}

@media (max-width: 680px) {
  :root {
    --header: 92px;
  }

  .container {
    width: min(100% - 24px, 1160px);
  }

  .header-inner {
    width: calc(100% - 20px);
    display: grid;
    grid-template-columns: 48px minmax(0, 1fr) 52px;
    grid-template-rows: auto auto;
    align-content: center;
    align-items: center;
    gap: 3px 8px;
  }

  .menu-toggle-label {
    display: none;
  }

  .header-actions {
    display: contents;
  }

  .site-header .header-quote {
    grid-column: 2;
    grid-row: 1;
    justify-self: center;
    width: min(100%, 190px);
    min-height: 38px;
    padding: 8px 14px;
    font-size: 0.74rem;
    transform: translateY(calc((1 - var(--quote-cta-opacity)) * -4px));
  }

  .brand {
    grid-column: 1;
    grid-row: 1 / 3;
    justify-self: start;
    align-self: center;
    width: 44px;
    min-height: 40px;
  }

  .brand-logo-light,
  .brand-logo-dark {
    display: none;
  }

  .brand-logo-mobile {
    display: block;
  }

  .menu-toggle {
    grid-column: 3;
    grid-row: 1 / 3;
    justify-self: end;
    align-self: center;
    width: 50px;
    height: 50px;
    padding: 0;
  }

  .header-contact {
    grid-column: 2;
    grid-row: 2;
    display: flex;
    justify-content: center;
    align-items: center;
    min-width: 0;
    margin-top: 3px;
  }

  .header-phone {
    display: none;
  }

  .header-schedule {
    display: inline-flex;
    flex-direction: row;
    align-items: center;
    justify-content: center;
    gap: 5px;
    font-size: 0.72rem;
    font-weight: 800;
    line-height: 1.1;
    text-align: center;
    text-decoration: none;
    white-space: nowrap;
    opacity: var(--quote-cta-opacity);
    transform: translateY(calc((1 - var(--quote-cta-opacity)) * -4px));
    transition: opacity 80ms linear, transform 80ms linear;
  }

  .header-schedule::before {
    width: 1.08em;
    height: 1.08em;
  }

  .quote-full,
  .schedule-desktop-copy {
    display: none !important;
  }

  .quote-short,
  .schedule-mobile-copy {
    display: inline !important;
  }

  h1 {
    font-size: clamp(2.55rem, 12vw, 4rem);
  }

  .hero-content {
    width: min(100% - 24px, 760px);
    padding: clamp(130px, 20vh, 190px) 0 0;
  }

  .hero-message {
    gap: 0.14em;
  }

  .hero-line {
    white-space: normal;
    font-size: clamp(1.55rem, 6vw, 1.9rem);
    line-height: 1.28;
  }

  .overlap-section {
    margin-top: -60px;
  }

  #intro-title {
    font-size: clamp(2.15rem, 9vw, 3.25rem);
  }

  .overlap-panel .section-copy p {
    font-size: 1rem;
    line-height: 1.48;
  }

  .trust-strip-grid,
  .process-grid,
  .resources-grid,
  .supplemental-grid,
  .additional-grid,
  .faq-grid,
  .coverage-grid,
  .choice-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .profile-placeholder,
  .editorial-image {
    min-height: 330px;
  }

  .profile-card {
    right: auto;
    bottom: 12px;
    left: 12px;
    width: min(168px, calc(100% - 24px));
    padding: 10px 12px;
  }

  .profile-card span {
    margin-bottom: 5px;
    font-size: 0.62rem;
  }

  .profile-card strong {
    font-size: 0.78rem;
    line-height: 1.12;
  }

  .modal-shell {
    max-height: 92vh;
    padding: 24px 18px;
  }

  .modal-intro {
    padding-right: 64px;
  }

  .modal-schedule-link {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    margin-top: 8px;
    color: var(--gold);
    font-family: Arial, Helvetica, sans-serif;
    font-size: 1rem;
    font-weight: 700;
    text-decoration: none;
  }

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

  .form-actions .button {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }

  .reveal-enabled [data-reveal] {
    opacity: 1;
    transform: none;
    transition-delay: 0ms;
  }
}