/* =========================================================
   Medicare Benefits 4U — Site 2 (CMS-compliant)
   Palette: deep navy (primary) + warm gold (accent)
   Fonts:   Lora (headings) + Inter (body)
   ========================================================= */

:root {
  --brand:       #123C69;   /* deep navy */
  --brand-2:     #2E6E9E;   /* steel blue */
  --brand-light: #6EA6CE;
  --accent:      #E1A73E;   /* warm gold */
  --accent-dark: #C4872A;
  --ink:         #16283B;
  --muted:       #55677a;
  --soft:        #F1F6FB;   /* light blue-gray */
  --line:        #d9e3ee;
  --ok:          #1E7F52;
}

*{ box-sizing:border-box; }

body {
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
}

h1,h2,h3,h4,h5,h6,.display-t1,.display-t2 {
  font-family: 'Lora', Georgia, 'Times New Roman', serif;
  font-weight: 700;
  color: var(--brand);
  letter-spacing: -0.01em;
}

a { color: var(--brand-2); }
a:hover { color: var(--brand); }

/* Accessible focus states */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, .btn:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}

/* Skip link */
.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 2000;
  background: var(--brand); color: #fff; padding: .6rem 1rem; border-radius: 0 0 .4rem 0;
}
.skip-link:focus { left: 0; color: #fff; }

@media (min-width: 1400px) {
  .container, .container-lg, .container-md, .container-sm, .container-xl, .container-xxl {
    max-width: 1160px !important;
  }
}
.bg-light { background-color: var(--soft) !important; }

/* ---------- Top disclosure bar (CMS government disclosure) ---------- */
.gov-bar { background: var(--brand); color: #eaf1f8; font-size: .82rem; }
.gov-bar strong { color: #fff; }

/* ---------- Header ---------- */
.site-header { border-bottom: 1px solid var(--line); background: #fff; }
.site-header .logo { height: 66px; width: auto; }
.header-contact .label { color: var(--muted); font-size: .82rem; }
.header-contact .phone {
  font-family: 'Lora', serif; font-weight: 700; font-size: 1.4rem;
  color: var(--brand); text-decoration: none; white-space: nowrap;
}
.header-contact .phone:hover { color: var(--brand-2); }

/* Government disclosure card (top-right) */
.gov-disclosure {
  border: 1px solid var(--line);
  border-left: 5px solid var(--accent);
  background: var(--soft);
  border-radius: .6rem;
  padding: .85rem 1rem;
  max-width: 460px;
}
.gov-disclosure .tag {
  display: inline-block; font-weight: 800; letter-spacing: .06em;
  color: var(--brand); font-size: .8rem; text-transform: uppercase; margin-bottom: .25rem;
}
.gov-disclosure p { margin: 0; font-size: .8rem; color: var(--muted); line-height: 1.5; }

/* ---------- Buttons ---------- */
.btn-brand, .btn-brand:visited {
  color: #fff; background-color: var(--brand); border-color: var(--brand);
  font-family: 'Lora', serif; font-weight: 700; border-radius: .55rem;
  padding: .7rem 1.6rem; letter-spacing: .01em;
}
.btn-brand:hover, .btn-brand:focus, .btn-brand:active {
  color: #fff; background-color: var(--brand-2); border-color: var(--brand-2);
}
.btn-gold, .btn-gold:visited {
  color: #3a2a05; background-color: var(--accent); border-color: var(--accent);
  font-family: 'Lora', serif; font-weight: 700; border-radius: .55rem;
  padding: .75rem 1.8rem; letter-spacing: .01em;
}
.btn-gold:hover, .btn-gold:focus, .btn-gold:active {
  color: #3a2a05; background-color: var(--accent-dark); border-color: var(--accent-dark);
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, var(--soft) 0%, #ffffff 100%);
  border-bottom: 4px solid var(--accent);
}
.hero-inner { padding: clamp(2.25rem, 5vw, 4rem) 0; }
.hero h1 { font-size: clamp(1.9rem, 5.2vw, 3.1rem); line-height: 1.12; margin-bottom: 1rem; }
.hero .sub { font-size: clamp(1.05rem, 2.6vw, 1.3rem); color: var(--muted); max-width: 40rem; }
.hero .trust-row { gap: .5rem 1.25rem; }
.hero .trust-row span { display: inline-flex; align-items: center; gap: .4rem; font-weight: 600; color: var(--brand); font-size: .92rem; }
.hero .trust-row .dot { color: var(--accent); }

/* ---------- Section headings ---------- */
.section { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.section-title { text-align: center; margin-bottom: 2.25rem; }
.section-title h2 { font-size: clamp(1.5rem, 3.5vw, 2.1rem); }
.section-title p { color: var(--muted); max-width: 42rem; margin: .5rem auto 0; }

/* ---------- Steps / cards ---------- */
.step-card {
  background: #fff; border: 1px solid var(--line); border-radius: 1rem;
  padding: 2rem 1.5rem; height: 100%; text-align: center;
  transition: transform .18s ease, box-shadow .18s ease;
}
.step-card:hover { transform: translateY(-4px); box-shadow: 0 14px 34px rgba(18,60,105,.10); }
.step-icon {
  width: 66px; height: 66px; margin: 0 auto 1rem; border-radius: 50%;
  background: var(--soft); display: flex; align-items: center; justify-content: center;
}
.step-icon img { width: 34px; height: 34px; }
.step-num { display:inline-block; font-weight:700; letter-spacing:.08em; text-transform:uppercase;
  color: var(--accent-dark); font-size:.78rem; margin-bottom:.35rem; }

/* ---------- About ---------- */
.about-card {
  background: var(--soft); border: 1px solid var(--line); border-radius: 1rem; padding: 2rem;
}
.about-card ul { margin: 0; padding-left: 1.1rem; }
.about-card li { margin-bottom: .4rem; color: var(--muted); }

/* ---------- Form ---------- */
.form-section { background: var(--soft); }
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: 1.1rem;
  box-shadow: 0 16px 40px rgba(18,60,105,.08); padding: 2.25rem; max-width: 900px; margin: 0 auto;
}
.form-card label { font-weight: 600; font-size: .92rem; margin-bottom: .2rem; }
.form-control, .form-select {
  border-radius: .55rem; border-color: var(--line); padding: .6rem .75rem;
}
.form-control:focus, .form-select:focus {
  border-color: var(--brand-light); box-shadow: 0 0 0 .2rem rgba(110,166,206,.30);
}
.req { color: #c0392b; }

.consent-box {
  background: var(--soft); border: 1px solid var(--line); border-radius: .7rem;
  padding: 1rem 1.15rem; max-height: 260px; overflow-y: auto;
  font-size: .8rem; line-height: 1.55; color: var(--muted);
}
.consent-box strong { color: var(--ink); }
.consent-box ul { padding-left: 1.1rem; margin: .5rem 0; }
.consent-check { font-size: .9rem; }

.post-submit-note {
  background: #fff8ec; border: 1px solid #f0d9a8; border-radius: .6rem;
  padding: .85rem 1rem; font-size: .88rem; color: #6b5320; margin-top: 1rem;
}

/* ---------- TPMO / disclaimers ---------- */
.tpmo {
  border: 1px solid var(--line); border-left: 5px solid var(--brand-2);
  background: var(--soft); border-radius: .6rem; padding: 1.1rem 1.25rem;
  font-size: .9rem; color: var(--muted); max-width: 950px; margin: 0 auto;
}

/* ---------- Footer ---------- */
.site-footer { background: var(--brand); color: #d5e2ef; }
.site-footer a { color: #fff; text-decoration: underline; }
.site-footer a:hover { color: var(--accent); }
.site-footer .footer-notice { font-size: .84rem; line-height: 1.7; max-width: 1000px; margin: 0 auto; }
.site-footer .footer-notice strong { color: #fff; }
.footer-links { display: flex; justify-content: center; flex-wrap: wrap; gap: .25rem .5rem; padding-left: 0; margin: 0 0 1rem; }
.footer-links a { color: #eaf1f8; text-decoration: none; font-weight: 500; font-size: .92rem; padding: 0 .6rem; }
.footer-links a:hover { color: var(--accent); }
.footer-heading { color:#fff; font-weight:700; letter-spacing:.04em; }

/* ---------- Legal pages ---------- */
.page-title { border-bottom: 3px solid var(--accent); }
.legal-body { max-width: 850px; }
.legal-body h2 { font-size: 1.3rem; margin-top: 2rem; }
.legal-body p, .legal-body li { color: #3f5058; }
.legal-body ul { padding-left: 1.15rem; }

/* ---------- Confirmation pages ---------- */
.confirm-check { font-size: 4rem; line-height: 1; color: var(--ok); }

/* ---------- Responsive ---------- */
@media (max-width: 991.98px) {
  .header-stack { flex-direction: column; align-items: flex-start; gap: 1rem; }
  .gov-disclosure { max-width: 100%; }
}
@media (max-width: 575.98px) {
  .form-card { padding: 1.4rem; }
  .row-stack > .col { flex: 0 0 100%; max-width: 100%; }
  .row-stack { row-gap: 10px; }
  .header-contact { text-align: left; }
}