:root{
    --navy:#0F1E33;
    --navy-deep:#0A1526;
    --navy-soft:#1C2E4A;
    --teal:#00B89C;
    --teal-dark:#008F79;
    --teal-tint:#E3F6F2;
    --cream:#F7F5F0;
    --white:#FFFFFF;
    --ink:#1B2433;
    --muted:#5B6576;
    --line:#E3E0D8;
    --radius:14px;
    --shadow:0 10px 30px rgba(15,30,51,.08);
    --max:1160px;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:'DM Sans',system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
  img{max-width:100%;display:block}
  a{color:inherit}
  .wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
  h1,h2,h3{font-family:'DM Serif Display',Georgia,serif;font-weight:400;line-height:1.15;color:var(--navy)}
  h1{font-size:clamp(2.3rem,5vw,3.6rem)}
  h2{font-size:clamp(1.9rem,3.6vw,2.6rem);margin-bottom:14px}
  h3{font-size:1.35rem;margin-bottom:8px}
  p{color:var(--muted)}
  .eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal-dark);margin-bottom:14px}
  .lead{font-size:1.15rem;max-width:640px}
  section{padding:96px 0}
  .center{text-align:center}
  .center .lead{margin:0 auto}

  /* Buttons */
  .btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:1rem;padding:14px 26px;border-radius:999px;text-decoration:none;transition:all .2s ease;border:2px solid transparent;cursor:pointer;font-family:inherit}
  .btn-primary{background:var(--teal);color:var(--navy-deep)}
  .btn-primary:hover{background:#00CDAE;transform:translateY(-1px)}
  .btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}
  .btn-ghost:hover{border-color:#fff}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{background:var(--navy-soft)}

  /* Header */
  header{position:sticky;top:0;z-index:50;background:rgba(10,21,38,.97);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.06)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:76px}
  .logo{display:flex;flex-direction:column;text-decoration:none;line-height:1}
  .logo .word{font-family:'Bricolage Grotesque',sans-serif;font-weight:700;font-size:1.6rem;color:#fff;letter-spacing:-.02em}
  .logo .word span{color:var(--teal)}
  .logo .sub{font-size:.62rem;font-weight:700;letter-spacing:.32em;color:#AFC0D6;margin-top:5px;display:flex;align-items:center;gap:8px}
  .logo .sub::before{content:"";width:18px;height:2px;background:var(--teal)}
  .nav-links{display:flex;align-items:center;gap:30px;list-style:none}
  .nav-links a{color:#D6E0EC;text-decoration:none;font-weight:500;font-size:.95rem}
  .nav-links a:hover{color:#fff}
  .nav-links .btn{padding:10px 20px;font-size:.92rem;color:var(--navy-deep)}
  .menu-btn{display:none;background:none;border:0;color:#fff;cursor:pointer;padding:8px}
  .menu-btn svg{width:28px;height:28px}

  /* Hero */
  .hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(0,184,156,.18),transparent 60%),linear-gradient(180deg,var(--navy-deep),var(--navy));color:#fff;padding:110px 0 120px;position:relative;overflow:hidden}
  .hero h1{color:#fff;max-width:760px}
  .hero h1 em{font-style:normal;color:var(--teal)}
  .hero p{color:#C7D3E3;font-size:1.2rem;max-width:620px;margin:22px 0 34px}
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap}
  .hero-points{display:flex;gap:28px;flex-wrap:wrap;margin-top:46px;color:#AFC0D6;font-size:.95rem}
  .hero-points span{display:flex;align-items:center;gap:8px}
  .hero-points svg{width:18px;height:18px;color:var(--teal);flex-shrink:0}

  /* Paths */
  .paths{margin-top:-64px;position:relative;z-index:2;padding:0}
  .path-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
  .path{background:var(--white);border-radius:var(--radius);padding:38px;box-shadow:var(--shadow);border:1px solid var(--line);text-decoration:none;display:block;transition:transform .2s ease,box-shadow .2s ease}
  .path:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(15,30,51,.12)}
  .path .tag{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-dark)}
  .path h3{font-size:1.7rem;margin:10px 0}
  .path .go{margin-top:18px;font-weight:600;color:var(--navy);display:inline-flex;gap:6px;align-items:center}

  /* Cards */
  .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:48px}
  .grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:48px}
  .card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
  .card .icon{width:46px;height:46px;border-radius:12px;background:var(--teal-tint);color:var(--teal-dark);display:grid;place-items:center;margin-bottom:18px}
  .card .icon svg{width:24px;height:24px}
  .card p{font-size:.98rem}
  .card a.more{display:inline-block;margin-top:14px;font-weight:600;color:var(--teal-dark);text-decoration:none}
  .card.feature{background:var(--navy);border-color:var(--navy)}
  .card.feature h3{color:#fff}
  .card.feature p{color:#C7D3E3}
  .card.feature .icon{background:rgba(0,184,156,.15);color:var(--teal)}
  .card.feature a.more{color:var(--teal)}

  .cat-head{display:flex;align-items:center;gap:14px;margin:56px 0 0;padding-bottom:14px;border-bottom:1px solid var(--line)}
  .cat-head span{font-weight:700;font-size:.85rem;color:var(--teal-dark);letter-spacing:.1em}
  .cat-head h3{margin:0;font-size:1.6rem}
  .grid-3.tight{margin-top:22px}
  .table-wrap{overflow-x:auto;margin-top:44px;border:1px solid var(--line);border-radius:var(--radius);background:var(--white)}
  table.compare{width:100%;border-collapse:collapse;min-width:680px;font-size:.96rem}
  .compare th{background:var(--navy);color:#fff;font-family:'DM Serif Display',serif;font-weight:400;font-size:1.2rem;padding:18px 20px;text-align:left}
  .compare th:first-child{background:var(--navy-deep)}
  .compare td{padding:16px 20px;border-top:1px solid var(--line);color:var(--muted);vertical-align:top}
  .compare td:first-child{font-weight:700;color:var(--navy);background:#FBFAF7;width:18%}
  .compare tr:nth-child(even) td:not(:first-child){background:#FDFCFA}
  a.inline{color:var(--teal-dark);font-weight:600;text-decoration:none}
  .band-white{background:var(--white)}

  /* Medicare */
  .medicare-box{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
  .checklist{list-style:none;margin-top:22px}
  .checklist li{display:flex;gap:12px;margin-bottom:12px;color:var(--ink)}
  .checklist svg{width:22px;height:22px;color:var(--teal-dark);flex-shrink:0;margin-top:2px}
  .disclaimer{background:var(--cream);border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:10px;padding:20px 22px;font-size:.95rem;color:var(--ink)}
  .disclaimer strong{display:block;margin-bottom:6px;color:var(--navy)}

  /* About */
  .about{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center}
  .photo{aspect-ratio:4/5;border-radius:var(--radius);background:linear-gradient(160deg,var(--navy-soft),var(--navy-deep));display:grid;place-items:center;color:#7F93AE;font-size:.95rem;text-align:center;padding:20px;position:relative;overflow:hidden}
  .photo::after{content:"";position:absolute;inset:auto -40px -40px auto;width:180px;height:180px;border-radius:50%;border:18px solid rgba(0,184,156,.25)}
  .stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}
  .stat{border-top:2px solid var(--teal);padding-top:12px}
  .stat b{font-family:'DM Serif Display',serif;font-weight:400;font-size:2rem;color:var(--navy);display:block;line-height:1.1}
  .stat span{font-size:.9rem;color:var(--muted)}
  .quote{font-family:'DM Serif Display',serif;font-size:1.35rem;color:var(--navy);margin:22px 0;padding-left:18px;border-left:3px solid var(--teal)}

  /* Steps */
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:48px;counter-reset:step}
  .step{position:relative;padding-top:56px}
  .step::before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}

  /* Systems band */
  .systems{background:linear-gradient(120deg,var(--navy-deep),var(--navy-soft));color:#fff;border-radius:22px;padding:56px;display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}
  .systems h2{color:#fff}
  .systems p{color:#C7D3E3}
  .systems .btn{justify-self:start}

  /* FAQ */
  .faq{max-width:820px;margin:44px auto 0}
  details{background:var(--white);border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0 24px}
  summary{cursor:pointer;list-style:none;padding:20px 0;font-weight:600;color:var(--navy);display:flex;justify-content:space-between;gap:16px;font-size:1.05rem}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"+";font-size:1.4rem;color:var(--teal-dark);line-height:1}
  details[open] summary::after{content:"–"}
  details p{padding-bottom:20px}

  /* Contact */
  .contact{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px}
  .contact-info p{margin-bottom:18px}
  .contact-line{display:flex;gap:12px;align-items:center;margin-bottom:14px;color:var(--ink);font-weight:500;text-decoration:none}
  .contact-line svg{width:20px;height:20px;color:var(--teal-dark)}
  form{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
  .field{margin-bottom:18px}
  label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy)}
  input,select,textarea{width:100%;padding:13px 14px;border:1px solid #D5D1C7;border-radius:10px;font-family:inherit;font-size:1rem;background:#FCFBF8;color:var(--ink)}
  input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(0,184,156,.18)}
  .row-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);margin:6px 0 20px}
  .consent input{width:auto;margin-top:4px}
  .form-note{font-size:.8rem;color:var(--muted);margin-top:12px}
  .hidden{display:none}

  /* Footer */
  footer{background:var(--navy-deep);color:#AFC0D6;padding:64px 0 36px;font-size:.92rem}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
  footer h4{color:#fff;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
  footer ul{list-style:none}
  footer li{margin-bottom:8px}
  footer a{color:#AFC0D6;text-decoration:none}
  footer a:hover{color:#fff}
  .legal{border-top:1px solid rgba(255,255,255,.08);padding-top:26px;font-size:.8rem;color:#8093AC;line-height:1.7}
  .legal p{color:#8093AC;margin-bottom:10px}

  /* Responsive */
  @media (max-width:960px){
    .grid-3,.steps{grid-template-columns:1fr 1fr}
    .medicare-box,.about,.contact,.systems{grid-template-columns:1fr}
    .foot-grid{grid-template-columns:1fr 1fr}
  }
  @media (max-width:760px){
    section{padding:72px 0}
    .nav-links{display:none;position:absolute;top:76px;left:0;right:0;background:var(--navy-deep);flex-direction:column;padding:20px 24px 28px;gap:18px;align-items:flex-start;border-bottom:1px solid rgba(255,255,255,.08)}
    .nav-links.open{display:flex}
    .menu-btn{display:block}
    .path-grid,.grid-3,.grid-2,.steps,.row-2,.foot-grid{grid-template-columns:1fr}
    .paths{margin-top:-48px}
    .path{padding:28px}
    .systems{padding:36px 26px}
    .stats{grid-template-columns:1fr 1fr 1fr}
    .hero{padding:80px 0 100px}
  }

  /* ---- Multi-page additions ---- */
  .nav-links a.active{color:#fff;box-shadow:inset 0 -2px 0 var(--teal)}
  .page-hero{background:radial-gradient(900px 380px at 90% -20%,rgba(0,184,156,.18),transparent 60%),linear-gradient(180deg,var(--navy-deep),var(--navy));color:#fff;padding:84px 0 76px}
  .page-hero h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.1rem);max-width:820px}
  .page-hero p{color:#C7D3E3;font-size:1.15rem;max-width:660px;margin:18px 0 28px}
  .crumbs{font-size:.85rem;color:#8FA3BD;margin-bottom:18px}
  .crumbs a{color:#AFC0D6;text-decoration:none}
  .crumbs a:hover{color:#fff}
  .split{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:start}
  .prose p{margin-bottom:16px}
  .prose h3{margin-top:26px}
  .cta-band{background:linear-gradient(120deg,var(--navy-deep),var(--navy-soft));border-radius:22px;padding:52px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
  .cta-band h2{color:#fff;margin:0}
  .cta-band p{color:#C7D3E3;margin-top:8px}
  .note{font-size:.84rem;color:var(--muted)}
  .pill-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
  .pill{background:var(--teal-tint);color:var(--teal-dark);font-weight:600;font-size:.88rem;padding:7px 14px;border-radius:999px;text-decoration:none}
  .pill:hover{background:#CFEFE8}
  .nav-links{gap:24px}
  @media (max-width:1100px){.nav-links{gap:16px}.nav-links a{font-size:.9rem}}
  @media (max-width:960px){.split{grid-template-columns:1fr}.cta-band{padding:36px 26px}}
  @media (max-width:900px){
    .nav-links{display:none;position:absolute;top:76px;left:0;right:0;background:var(--navy-deep);flex-direction:column;padding:20px 24px 28px;gap:18px;align-items:flex-start;border-bottom:1px solid rgba(255,255,255,.08)}
    .nav-links.open{display:flex}
    .menu-btn{display:block}
  }
  .photo.has-img{padding:0;box-shadow:var(--shadow)}
  .photo.has-img::after{display:none}
  .photo img{width:100%;height:100%;object-fit:cover;object-position:58% 35%}
  .vid{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
  .vid .thumb{aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy-soft),var(--navy-deep));display:grid;place-items:center;color:#8FA3BD;font-size:.85rem;position:relative}
  .vid .thumb svg{width:54px;height:54px;color:var(--teal)}
  .vid .thumb span{position:absolute;bottom:10px;left:12px;background:rgba(0,0,0,.35);color:#D6E0EC;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 8px;border-radius:6px}
  .vid .thumb iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
  .vid .body{padding:20px 22px 24px}
  .vid h3{font-size:1.15rem}
  .vid p{font-size:.93rem}
  .learn-nav{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:26px}
  .guide{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column}
  .guide .tag{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-dark)}
  .guide form{box-shadow:none;border:0;padding:0;margin-top:16px;background:transparent}
  .yt-band{background:linear-gradient(120deg,var(--navy-deep),var(--navy-soft));border-radius:22px;padding:44px;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
  .yt-band h2{color:#fff;margin:0}
  .yt-band p{color:#C7D3E3;margin-top:8px;max-width:560px}
  .btn-yt{background:#fff;color:var(--navy-deep)}
  .btn-yt svg{width:22px;height:22px;color:#FF0033}
  .tool{display:grid;grid-template-columns:1.35fr .9fr;gap:36px;align-items:start}
  .tool-step{display:flex;gap:16px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin-bottom:16px}
  .tool-step>span{flex-shrink:0;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
  .tool-step>div{flex:1;min-width:0}
  .tool-step h3{margin-bottom:14px}
  .tool-step h4{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-dark);margin:16px 0 8px}
  .field small{display:block;color:var(--muted);font-size:.8rem;margin-top:5px;line-height:1.4}
  .assume{margin-top:4px}.assume summary{cursor:pointer;font-weight:600;color:var(--teal-dark);font-size:.92rem;margin-bottom:12px}
  .tool-result{position:sticky;top:96px;background:var(--navy);color:#fff;border-radius:18px;padding:30px;box-shadow:0 20px 50px rgba(15,30,51,.22)}
  .tool-result .big{font-family:'DM Serif Display',serif;font-size:clamp(2.4rem,5vw,3.2rem);line-height:1.05;color:#fff;margin-top:6px}
  .tool-result .sub{color:#C7D3E3;margin:6px 0 18px}
  .tool-result .btn-ghost{border-color:rgba(255,255,255,.3)}
  .brk{width:100%;border-collapse:collapse;font-size:.92rem}
  .brk td{padding:8px 0;border-bottom:1px solid rgba(127,147,174,.25);vertical-align:top}
  .brk td:last-child{text-align:right;white-space:nowrap;padding-left:12px;font-weight:600}
  .tool-result .brk td{color:#D6E0EC}
  .brk tr.tot td{font-weight:700;color:inherit;border-bottom:2px solid rgba(0,184,156,.5)}
  .tool-result .brk tr.tot td{color:#fff}
  .card .brk td{color:var(--ink)}
  .fine{font-size:.78rem;color:#8FA3BD;margin-top:14px;line-height:1.5}
  .bench{background:rgba(255,255,255,.06);border-radius:12px;padding:16px;margin-top:16px}
  .bench h4{color:var(--teal);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:8px}
  .bench p{color:#D6E0EC;font-size:.9rem;margin-bottom:6px}
  .kd{border-bottom:1px solid rgba(127,147,174,.25);padding:12px 0}
  .kd span{display:block;font-size:.82rem;color:#AFC0D6}
  .kd b{font-family:'DM Serif Display',serif;font-weight:400;font-size:1.35rem;color:#fff}
  .kd small{display:block;color:#AFC0D6;font-size:.8rem;margin-top:3px}
  .kd.hl{background:rgba(0,184,156,.14);border-radius:12px;padding:14px;border:0;margin:6px 0}
  .kd.hl b{color:var(--teal)}
  .mnotes p{color:#D6E0EC;font-size:.9rem;margin-top:12px;line-height:1.55}
  .mnotes b{color:#fff}
  .tool-result h4{color:#fff}
  .tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px}
  .tool-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;text-decoration:none;display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease}
  .tool-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
  .tool-card .tag{font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-dark)}
  .tool-card h3{margin:8px 0}
  .tool-card p{flex:1;font-size:.95rem}
  .tool-card .go{margin-top:14px;font-weight:600;color:var(--navy)}
  @media (max-width:960px){.tool{grid-template-columns:1fr}.tool-result{position:static}.tools-grid{grid-template-columns:1fr}}
  @media (max-width:760px){.tool-step{padding:18px;gap:12px}.tool-step>span{width:28px;height:28px;font-size:.85rem}}
  @media print{header,footer,.float-book,.page-hero .hero-actions,.tool-result .btn,form,.menu-btn{display:none!important}.tool{grid-template-columns:1fr}.tool-result{position:static;box-shadow:none}body{background:#fff}}
  button.btn-ghost{background:transparent}
  .float-book{display:none;position:fixed;bottom:16px;left:16px;right:16px;z-index:60;justify-content:center;box-shadow:0 10px 30px rgba(0,0,0,.25)}
  @media (max-width:760px){.float-book{display:flex}footer{padding-bottom:96px}}
  .appt-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
  .appt{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column}
  .appt .len{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-dark)}
  .appt h3{margin:8px 0}
  .appt p{font-size:.95rem;flex:1}
  .appt .btn{margin-top:16px;justify-content:center}
  .cal-box{background:var(--white);border:2px dashed #CFCBC1;border-radius:var(--radius);padding:40px;text-align:center;margin-top:40px}
  .why-table td:nth-child(3){color:var(--navy);font-weight:600}
  .areas{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px;justify-content:center}
  @media (max-width:960px){.appt-grid{grid-template-columns:1fr 1fr}}
  @media (max-width:760px){.appt-grid{grid-template-columns:1fr}}