:root{
  --cream:#FBF6EC; --paper:#FFFDF8; --cream2:#F5ECDD; --ink:#24211D; --ink2:#4A443C;
  /* Brand palette: logo option 3 "Teal + Navy Sun" */
  --deep-teal:#0A4F55; --teal:#0B8585; --teal-text:#0B7373; --navy:#0E2A47; --sun:#FFC53A; --sun-soft:#FFF2CF;
  --green:#0A4F55; --green2:#0B7373; --sage:#E1F0EE; --sage2:#BCDDD9;
  --clay:#0E2A47; --clay-dark:#0A4F55; --clay-soft:#FFF2CF; --gold:#FFC53A;
  --serif: "Montserrat", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --sans: "Montserrat", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --radius:24px; --radius-sm:14px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-size:1.125rem;line-height:1.65}
img,svg{max-width:100%;height:auto}
a{color:var(--clay-dark);text-decoration-thickness:2px;text-underline-offset:3px}
a:hover{color:var(--green)}
:focus-visible{outline:4px solid var(--clay);outline-offset:3px;border-radius:6px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:800;letter-spacing:-.02em}
h1{font-size:clamp(2.5rem,5.2vw,4.1rem);letter-spacing:-.01em}
h2{font-size:clamp(2rem,3.6vw,2.9rem)}
h3{font-size:1.55rem}
p{margin:0 0 1em}
.wrap{max-width:1200px;margin:0 auto;padding:0 28px}
.narrow{max-width:860px}
.center{text-align:center;margin-top:2.2rem}
.skip{position:absolute;left:-9999px;top:0;background:var(--green);color:#fff;padding:14px 20px;z-index:10;font-weight:700}
.skip:focus{left:12px;top:12px}


/* AEP banner */
.aep-banner{background:var(--clay);color:#fff}
.aep-banner-inner{display:flex;flex-wrap:wrap;gap:6px 22px;align-items:center;justify-content:center;padding-top:14px;padding-bottom:14px;text-align:center}
.aep-banner p{margin:0;font-size:1.2rem}
.banner-link{color:#fff;font-weight:700;background:rgba(255,255,255,.16);border:2px solid #fff;border-radius:999px;padding:6px 18px;text-decoration:none;white-space:nowrap}
.banner-link:hover{background:#fff;color:var(--clay-dark)}

/* header */
.site-header{background:var(--paper);border-bottom:1px solid #EADFCB}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:20px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ink)}
.logo-ph{width:64px;height:64px;border-radius:18px;border:2px dashed var(--clay);background:#FFF6DC;color:var(--clay-dark);display:flex;align-items:center;justify-content:center;font-size:.85rem;font-weight:700;flex:none}
.brand-text{display:flex;flex-direction:column}
.brand-name{font-family:var(--serif);font-size:1.75rem;font-weight:700;color:var(--green);line-height:1.1}
.brand-sub{font-size:1rem;color:var(--ink2)}
.chips{display:flex;flex-wrap:wrap;gap:10px;padding-top:6px;padding-bottom:18px}
.chips a{display:inline-flex;align-items:center;min-height:48px;padding:8px 20px;border-radius:999px;background:var(--sage);color:var(--green);text-decoration:none;font-weight:600;font-size:1.08rem}
.chips a:hover{background:var(--sage2)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:60px;padding:14px 30px;border-radius:999px;font-weight:700;font-size:1.2rem;text-decoration:none;border:3px solid transparent;cursor:pointer;font-family:var(--sans);line-height:1.25;text-align:center}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green2);color:#fff}
.btn-ghost{background:transparent;color:var(--green);border-color:var(--green)}
.btn-ghost:hover{background:var(--sage);color:var(--green)}
.btn-light{background:#fff;color:var(--green)}
.btn-light:hover{background:var(--sage);color:var(--green)}
.btn-call{background:var(--clay);color:#fff;min-height:56px;padding:10px 22px}
.btn-call:hover{background:var(--clay-dark);color:#fff}
.btn-small{min-height:54px;font-size:1.1rem;padding:10px 24px}
.btn-block{width:100%}
.btn-icon{font-size:1.3rem}

/* hero */
.hero{padding:64px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.eyebrow{font-size:1.05rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--clay);margin-bottom:.8em}
.eyebrow-light{color:var(--gold)}
.lead{font-size:1.4rem;color:var(--ink2);max-width:36em}
.cta-row{display:flex;flex-wrap:wrap;gap:16px;margin:28px 0}
.reassure{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:12px 26px}
.reassure li{display:flex;align-items:center;gap:10px;font-weight:600;color:var(--green)}
.reassure li::before{content:"";width:22px;height:22px;border-radius:50%;background:var(--sage2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Cpath d='M6 11.5l3.2 3.2L16 8' fill='none' stroke='%230A4F55' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat;flex:none}
.hero-art{display:block;width:100%;filter:drop-shadow(0 18px 30px rgba(36,33,29,.12))}

/* notice */
.notice{background:var(--paper);border:2px solid var(--sage2);border-left:10px solid var(--green);border-radius:var(--radius);padding:28px 34px;margin-top:8px;margin-bottom:8px;max-width:1144px}
.notice-title{font-size:1.45rem;margin-bottom:.4em}
.notice p{font-size:1.2rem}
.notice-small{margin:0;color:var(--ink2);font-size:1.1rem !important}

/* sections */
.section{padding:88px 0}
.section-lead{font-size:1.35rem;color:var(--ink2);max-width:40em}
.section-sage{background:var(--sage)}
.section-cream2{background:var(--cream2)}
.section-green-soft{background:linear-gradient(180deg,var(--sage) 0%,var(--cream) 100%)}
.source{font-size:1.05rem;color:var(--ink2);margin:0}

.card-grid{display:grid;gap:26px;margin-top:30px}
.card-grid.two{grid-template-columns:repeat(2,1fr)}
.card-grid.three{grid-template-columns:repeat(3,1fr)}
.card{background:var(--paper);border-radius:var(--radius);padding:32px;box-shadow:0 2px 0 #EADFCB, 0 12px 28px rgba(36,33,29,.06)}
.card h3{margin-bottom:.45em}
.card p:last-child{margin-bottom:0}
.card-sage{background:var(--sage)}
.card-cream{background:var(--clay-soft)}
.card-big{padding:40px}
.card-icon{width:72px;height:72px;border-radius:20px;background:var(--cream2);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card-cta{background:var(--green);color:#fff}
.card-cta h3{color:#fff}
.card-cta .btn{background:#fff;color:var(--green);margin-top:8px}
.card-cta .btn:hover{background:var(--sage);color:var(--green)}

/* timeline */
.timeline-card{background:var(--paper);border-radius:var(--radius);padding:38px;margin-top:30px;box-shadow:0 2px 0 #EADFCB, 0 12px 28px rgba(36,33,29,.06)}
.timeline{list-style:none;padding:0;margin:26px 0 22px;display:grid;grid-template-columns:repeat(7,1fr);gap:10px}
.timeline li{background:var(--sage);border-radius:var(--radius-sm);padding:16px 8px;text-align:center;display:flex;flex-direction:column;align-items:center;gap:6px}
.tl-num{font-family:var(--serif);font-size:1.7rem;font-weight:700;color:var(--green);line-height:1}
.tl-label{font-size:1rem;line-height:1.3;color:var(--ink)}
.timeline .tl-birthday{background:var(--clay);transform:scale(1.06)}
.tl-birthday .tl-num,.tl-birthday .tl-label{color:#fff}
.tl-birthday .tl-label{font-weight:700}

/* AEP featured */
.aep{background:var(--green);color:#fff;padding:92px 0}
.aep-grid{display:grid;grid-template-columns:380px 1fr;gap:60px;align-items:center}
.aep-date{background:var(--cream);color:var(--green);border-radius:32px;padding:40px 34px;text-align:center;display:flex;flex-direction:column;gap:6px;box-shadow:0 0 0 8px var(--gold)}
.aep-date-label{font-weight:700;text-transform:uppercase;letter-spacing:.06em;font-size:1rem;color:var(--clay)}
.aep-date-range{font-family:var(--serif);font-size:3.6rem;font-weight:700;line-height:1.05}
.aep-date-year{font-family:var(--serif);font-size:2rem;color:var(--clay)}
.aep-date-eff{margin-top:10px;padding-top:14px;border-top:2px dashed var(--sage2);font-weight:700;font-size:1.15rem}
.aep h2{color:#fff}
.aep p{color:#F3F0E8}
.aep a{color:#fff}
.callout{background:rgba(255,255,255,.1);border:2px solid var(--gold);border-radius:var(--radius-sm);padding:18px 22px;margin:22px 0 4px}
.callout p{margin:0;color:#fff;font-size:1.3rem}
.source-light{color:#D7EEEC}
.aep .btn-light{color:var(--green)}
.aep .btn-light:hover{color:var(--green)}

.ask-about{margin-top:30px;background:var(--cream2);border-radius:var(--radius-sm);padding:18px 24px;display:inline-block}

/* steps */
.steps{list-style:none;padding:0;margin:30px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.steps li{background:var(--paper);border-radius:var(--radius);padding:32px;position:relative}
.step-num{display:flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:50%;background:var(--clay);color:#fff;font-family:var(--serif);font-size:1.6rem;font-weight:700;margin-bottom:16px}
.steps p{margin:0}
.bring{margin-top:30px;background:var(--paper);border-radius:var(--radius);padding:32px;border:2px dashed var(--green2)}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checklist li{position:relative;padding-left:44px}
.checklist li::before{content:"";position:absolute;left:0;top:4px;width:30px;height:30px;border-radius:8px;background:var(--sage) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3E%3Cpath d='M8 15.5l4.5 4.5L22 10' fill='none' stroke='%230B8585' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat}

/* agent */
.agent{display:grid;grid-template-columns:360px 1fr;gap:60px;align-items:center}
.agent-photo{aspect-ratio:4/5;border-radius:180px 180px 32px 32px;font-size:1.3rem}
.agent-exp{font-family:var(--serif);font-size:1.6rem;color:var(--clay);margin-top:-.2em}
.facts{list-style:none;padding:0;margin:0 0 28px;display:grid;gap:10px}
.facts li{padding:12px 18px;background:var(--sage);border-radius:var(--radius-sm)}
.state-chips{list-style:none;padding:0;margin:10px 0 2px;display:flex;flex-wrap:wrap;gap:8px}
.facts .state-chips li{padding:4px 14px;background:var(--paper);border:1.5px solid var(--sage2);color:var(--green);border-radius:999px;font-weight:600;font-size:1rem;line-height:1.5}

/* faq */
details{background:var(--paper);border-radius:var(--radius-sm);margin-top:14px;box-shadow:0 2px 0 #EADFCB}
summary{cursor:pointer;list-style:none;padding:22px 64px 22px 26px;font-weight:700;font-size:1.3rem;color:var(--green);position:relative;min-height:60px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:24px;top:50%;transform:translateY(-50%);width:36px;height:36px;border-radius:50%;background:var(--sage);display:flex;align-items:center;justify-content:center;font-size:1.6rem;line-height:1}
details[open] summary::after{content:"–"}
details p{padding:0 26px 22px;margin:0}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.phone-big{background:var(--paper);border-radius:var(--radius);padding:24px 28px;margin:24px 0;display:flex;flex-direction:column;gap:6px;font-size:1.9rem;font-family:var(--serif)}
.phone-label{font-family:var(--sans);font-size:1rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--clay)}
.contact-list{margin:0;display:grid;gap:14px}
.contact-list div{display:grid;grid-template-columns:170px 1fr;gap:12px}
.contact-list dt{font-weight:700;color:var(--green)}
.contact-list dd{margin:0}
.form-card{background:var(--paper);border-radius:var(--radius);padding:36px;box-shadow:0 12px 28px rgba(36,33,29,.08)}
.form-note{background:var(--clay-soft);border-radius:var(--radius-sm);padding:12px 16px;font-size:1.05rem}
.form-card label{display:block;font-weight:700;margin:18px 0 6px}
.form-card input[type=text],.form-card input[type=tel],.form-card select{width:100%;min-height:58px;font-size:1.2rem;padding:10px 16px;border:2px solid #8C8476;border-radius:12px;background:#fff;color:var(--ink);font-family:var(--sans)}
fieldset{border:0;padding:0;margin:20px 0 0}
legend{font-weight:700;margin-bottom:6px}
.form-card label.radio{display:flex;align-items:center;gap:14px;font-weight:500;margin:8px 0;min-height:48px}
.radio input{width:26px;height:26px;accent-color:var(--green);flex:none}
.consent{font-size:1rem;margin:18px 0}
.form-status{margin:14px 0 0;font-weight:700;color:var(--green)}

/* footer */
.site-footer{background:#0A4F55;color:#E9E4D8;padding:64px 0 40px;font-size:1.1rem}
.site-footer a{color:#fff}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr;gap:40px;padding-bottom:30px;border-bottom:1px solid rgba(255,255,255,.2)}
.footer-brand{font-family:var(--serif);font-size:1.8rem;color:#fff;margin-bottom:.3em}
.site-footer nav{display:flex;flex-direction:column;gap:10px}
.site-footer nav a,.site-footer nav span{min-height:44px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.footer-legal{padding-top:26px}
.footer-legal p{font-size:1.05rem;color:#D9D3C5}

/* responsive */
@media (max-width:1000px){
  .hero-grid,.aep-grid,.agent,.contact-grid{grid-template-columns:1fr}
  .hero-visual{max-width:560px}
  .aep-date{max-width:420px}
  .agent-photo{max-width:320px}
  .card-grid.three{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr}
}
@media (max-width:720px){
  body{font-size:1.2rem}
  .wrap{padding:0 20px}
  .card-grid.two,.card-grid.three{grid-template-columns:1fr}
  .header-inner{flex-direction:column;align-items:stretch}
  .btn-call{width:100%}
  .chips{flex-wrap:nowrap;overflow-x:auto;padding-bottom:16px;scrollbar-width:thin;-webkit-overflow-scrolling:touch}
  .chips a{flex:none}
  .hero{padding:40px 0 40px}
  .lead{font-size:1.3rem}
  .cta-row .btn{width:100%}
  .section{padding:48px 0}
  .aep{padding:48px 0}
  .hero-visual{max-width:300px;margin:0 auto}
  .card-grid{gap:18px;margin-top:22px}
  .steps{gap:16px}
  .agent-photo{max-width:220px;margin:0 auto}
  .site-footer{padding:44px 0 28px}
  .timeline{grid-template-columns:1fr;gap:8px}
  .timeline li{flex-direction:row;justify-content:flex-start;gap:16px;padding:12px 18px;text-align:left}
  .tl-num{min-width:44px;text-align:center}
  .tl-label{font-size:1.12rem}
  .timeline .tl-birthday{transform:none}
  .timeline-card,.card,.card-big,.form-card,.steps li,.bring{padding:26px 22px}
  .notice{padding:22px 20px;border-left-width:8px;margin-left:20px;margin-right:20px}
  .contact-list div{grid-template-columns:1fr;gap:2px}
  .footer-top{grid-template-columns:1fr}
  .aep-date-range{font-size:3rem}
  .agent{gap:32px}
}

:root{--pt-accent:var(--green);--pt-accent-text:var(--clay-dark);--pt-on-accent:#fff;--pt-ink:var(--green);--pt-muted:var(--ink2);--pt-line:#D9D0BE;--pt-card:var(--paper);--pt-soft:var(--cream2);--pt-focus:var(--clay);--pt-chip-bg:var(--paper);--pt-chip-ink:var(--green);--pt-chip-line:var(--sage2)}
/* ---- Plans tabs, comparison, how-we-help (v3: equal product prominence) ---- */
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.pt-intro,.cmp-intro,.hw-intro{max-width:760px;color:var(--pt-muted);font-size:1.08rem;margin-bottom:26px}
.pt-tabs{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;margin:0 0 22px}
.pt-tab{display:flex;align-items:center;justify-content:center;text-align:center;min-height:58px;padding:10px 12px;border:2px solid var(--pt-line);border-radius:12px;background:var(--pt-card);color:var(--pt-ink);font-weight:700;text-decoration:none;line-height:1.25;font-size:.98rem}
.pt-tab:hover{border-color:var(--pt-accent);color:var(--pt-ink)}
.pt-tab[aria-selected="true"]{background:var(--pt-accent);border-color:var(--pt-accent);color:var(--pt-on-accent)}
.pt-tab:focus-visible,.pt-acc summary:focus-visible{outline:3px solid var(--pt-focus);outline-offset:3px}
.pt-panel{background:var(--pt-card);border:1px solid var(--pt-line);border-radius:18px;padding:34px;scroll-margin-top:110px}
.pt-panel+.pt-panel{margin-top:18px}
.js .pt-panel{display:none}.js .pt-panel.is-active{display:block}.js .pt-panel+.pt-panel{margin-top:0}
.pt-panel:focus{outline:none}
.pt-kicker{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:800;color:var(--pt-accent-text);margin-bottom:6px}
.pt-title{font-size:clamp(1.45rem,2.4vw,1.9rem);margin-bottom:12px;color:var(--pt-ink)}
.pt-head p:last-child{max-width:820px}
.pt-points{list-style:none;padding:0;margin:20px 0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.pt-points li{background:var(--pt-soft);border-radius:12px;padding:14px 16px;line-height:1.5}
.pt-points strong{display:block;color:var(--pt-ink)}
.pt-dates{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:0 0 20px}
.pt-dates>div{border:2px solid var(--pt-accent);border-radius:12px;padding:14px 16px;display:flex;flex-direction:column;gap:2px;line-height:1.4}
.pt-dates strong{font-size:1.12rem;color:var(--pt-ink)}
.pt-date-tag{font-size:.75rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--pt-accent-text)}
.pt-accs{border-top:1px solid var(--pt-line)}
.pt-acc{border-bottom:1px solid var(--pt-line)}
.pt-acc summary{cursor:pointer;list-style:none;font-weight:700;padding:15px 40px 15px 0;position:relative;color:var(--pt-ink);font-size:1.04rem}
.pt-acc summary::-webkit-details-marker{display:none}
.pt-acc summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-size:1.5rem;line-height:1;color:var(--pt-accent-text)}
.pt-acc[open] summary::after{content:"−"}
.pt-acc p,.pt-acc ul{margin:0 0 16px;max-width:860px}
.pt-acc ul{padding-left:20px}.pt-acc li{margin-bottom:8px}
.pt-note{font-size:.95rem;color:var(--pt-muted);margin:0}
.pt-panel .source{margin:16px 0 0;font-size:.85rem}
.cmp-wrap{border:1px solid var(--pt-line);border-radius:16px;overflow:hidden;background:var(--pt-card)}
.cmp-table{width:100%;border-collapse:collapse;font-size:.97rem;line-height:1.5}
.cmp-table th,.cmp-table td{padding:14px 18px;text-align:left;vertical-align:top;border-bottom:1px solid var(--pt-line)}
.cmp-table thead th{background:var(--pt-accent);color:var(--pt-on-accent);font-size:1.02rem}
.cmp-table tbody th{width:20%;color:var(--pt-ink);background:var(--pt-soft)}
.cmp-table td{width:40%}
.cmp-table tbody tr:last-child>*{border-bottom:0}
.cmp .source{margin-top:14px;font-size:.85rem}
.hw-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.hw-grid li{background:var(--pt-card);border:1px solid var(--pt-line);border-radius:14px;padding:20px;border-top:4px solid var(--pt-accent)}
.hw-grid h3{font-size:1.08rem;margin-bottom:6px;color:var(--pt-ink)}
.hw-grid p{margin:0;font-size:.95rem;line-height:1.55;color:var(--pt-muted)}
.hero-products{list-style:none;padding:0;margin:0 0 24px;display:flex;flex-wrap:wrap;gap:8px}
.hero-products a{display:inline-block;padding:7px 13px;border-radius:999px;font-weight:700;font-size:.9rem;text-decoration:none;background:var(--pt-chip-bg);color:var(--pt-chip-ink);border:1px solid var(--pt-chip-line)}
.hero-products a:hover{border-color:var(--pt-accent)}
@media(max-width:1050px){.pt-tabs{grid-template-columns:repeat(3,minmax(0,1fr))}.hw-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){
.pt-tabs{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
.pt-tab{min-height:52px;font-size:.92rem;padding:8px}
.pt-tab:first-child{grid-column:1/-1}
.pt-panel{padding:22px 18px;border-radius:14px}
.pt-points,.pt-dates{grid-template-columns:1fr;gap:8px}
.hw-grid{grid-template-columns:1fr 1fr;gap:10px}
.hw-grid li{padding:14px}
.hw-grid h3{font-size:1rem}.hw-grid p{font-size:.9rem}
.cmp-wrap{border:0;background:none;overflow:visible}
.cmp-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.cmp-table,.cmp-table tbody,.cmp-table tr,.cmp-table th,.cmp-table td{display:block;width:auto}
.cmp-table tr{border:1px solid var(--pt-line);border-radius:12px;margin-bottom:10px;overflow:hidden;background:var(--pt-card)}
.cmp-table tbody th{width:auto;padding:10px 14px}
.cmp-table td{padding:10px 14px;border-bottom:1px solid var(--pt-line)}
.cmp-table td::before{content:attr(data-label);display:block;font-size:.74rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--pt-accent-text)}
.cmp-table tr>td:last-child{border-bottom:0}
}
@media(max-width:420px){.hw-grid{grid-template-columns:1fr}}
.pt-tabs{scroll-margin-top:100px}

.pt h2,.cmp h2{margin-bottom:.35em}
.pt-tab{text-decoration:none;font-family:var(--sans)}
.pt-panel{font-size:1.1rem}
.cmp-table{font-size:1.05rem}
.hero-products{margin:0 0 22px}

/* ---- Phone: collapsible cards and comparison rows (keeps the phone page short) ---- */
.mc-btn{font:inherit;color:inherit;background:none;border:0;padding:0;margin:0;text-align:inherit;letter-spacing:inherit;line-height:inherit;cursor:default}
@media(max-width:700px){
  .mc .mc-btn{display:flex;width:100%;align-items:center;justify-content:space-between;gap:12px;cursor:pointer;min-height:44px;text-align:left}
  .mc .mc-btn::after{content:"+";font-size:1.5rem;line-height:1;font-weight:700;flex:none}
  .mc.mc-open .mc-btn::after{content:"−"}
  .mc:not(.mc-open)>*:not(:has(.mc-btn)){display:none!important}
  .mc:not(.mc-open){padding-top:10px!important;padding-bottom:10px!important}
  .mc>h3,.mc>th{margin-bottom:0}
  .mc.mc-open>h3{margin-bottom:.5em}
  .m-tap-hint{display:block!important;font-size:.95rem;margin:-6px 0 14px;opacity:.85}
}
.m-tap-hint{display:none}

/* ---- Phone: compact layout (page length) ---- */
@media(max-width:700px){
  .hero-visual{display:none}
  .aep-date{display:none}
  .site-footer nav{display:grid!important;grid-template-columns:1fr 1fr;gap:0 12px}
  .site-footer nav a,.site-footer nav span{min-height:40px}
  .steps{gap:10px!important}
  .steps li{padding:16px 18px!important}
  .agent-photo{max-height:130px;min-height:0!important;aspect-ratio:auto!important;height:130px}
}

@media(max-width:700px){
  .bring{padding:14px 18px!important}
  .timeline li{padding-top:4px!important;padding-bottom:4px!important;min-height:0!important}
  .pt-points li,.pt-dates>div{padding:10px 14px}
  .hero-products{margin-bottom:16px}
}

@media(max-width:700px){
  body{font-size:1.15rem}
  .section{padding:40px 0}
  .state-chips li{font-size:.85rem;padding:3px 10px}
}

/* ---- Brand recolor overrides (Teal + Navy Sun) ---- */
a:hover{color:var(--navy)}
:focus-visible{outline-color:var(--teal)}
.eyebrow,.phone-label{color:var(--teal-text)}
.agent-exp{color:var(--teal-text)}
.btn-primary:hover{background:var(--navy)}
.aep-banner{background:var(--navy)}
.banner-link{background:var(--sun);color:var(--navy);border-color:var(--sun)}
.banner-link:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-call{background:var(--sun);color:var(--navy)}
.btn-call:hover{background:#F2B01C;color:var(--navy)}
.step-num{background:var(--teal-text)}
.timeline .tl-birthday{background:var(--sun)}
.tl-birthday .tl-num,.tl-birthday .tl-label{color:var(--navy)}
.aep-date-label,.aep-date-year{color:var(--teal-text)}
.aep-date-range{color:var(--navy)}
.brand-logo{display:block;height:76px;width:auto;max-width:100%}
.footer-logo{display:block;height:58px;width:auto;max-width:100%;margin:0 0 14px -4px}
@media (max-width:720px){.header-inner{padding-top:18px}.brand-logo{height:60px}.footer-logo{height:50px}}

/* why us (agency section) */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:30px 0 30px}
.why-card h3{font-size:1.4rem}
.why-icon{display:inline-flex;align-items:center;justify-content:center;width:56px;height:56px;border-radius:16px;background:var(--sage);color:var(--deep-teal);margin-bottom:14px}
.why-icon svg{width:30px;height:30px}
.why-card:nth-child(5){background:var(--deep-teal);color:#fff}
.why-card:nth-child(5) h3{color:#fff}
.why-card:nth-child(5) .why-icon{background:var(--sun);color:var(--navy)}
.why-facts{max-width:900px}
@media (min-width:1001px){.why-card:nth-child(5){grid-column:span 2}}
@media (max-width:1000px){.why-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.why-grid{grid-template-columns:1fr;gap:14px;margin:22px 0}.why-card{display:grid;grid-template-columns:48px 1fr;column-gap:14px;align-items:start}.why-card .why-icon{width:48px;height:48px;margin:0;grid-row:span 2}.why-card h3{margin:2px 0 .2em;font-size:1.25rem}.why-card p{grid-column:2}}


/* ===== Turning 65 birthday page ===== */
.chips a.chip-sun{background:var(--sun);color:var(--navy);font-weight:800}
.chips a.chip-sun:hover{background:#F2B01C;color:var(--navy)}
.btn-sun{background:var(--sun);color:var(--navy)}
.btn-sun:hover{background:#F2B01C;color:var(--navy)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.85)}
.btn-outline-light:hover{background:#fff;color:var(--deep-teal)}
.t65-hero{position:relative;overflow:hidden;background:radial-gradient(120% 90% at 85% 20%,#0B8585 0%,#0A4F55 55%,#0E2A47 100%);color:#FBF6EC;padding:72px 0 76px}
.t65-hero .eyebrow,.t65-coming .eyebrow{color:var(--sun)}
.t65-hero h1{color:#fff;font-size:clamp(2.4rem,5vw,4rem);max-width:15em}
.t65-hero h1 [data-t65="hero-month"]{color:var(--sun);white-space:nowrap}
.t65-lead{font-size:1.4rem;color:#E9F2F0;max-width:34em}
.t65-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.35fr .65fr;gap:40px;align-items:center}
.t65-hero-art{display:flex;justify-content:center}
.t65-sun{width:100%;max-width:300px;filter:drop-shadow(0 18px 34px rgba(0,0,0,.25))}
@media (prefers-reduced-motion:no-preference){.t65-sun{animation:t65spin 60s linear infinite}.t65-sun text{animation:none}}
@keyframes t65spin{from{transform:rotate(0)}to{transform:rotate(360deg)}}
.t65-confetti{position:absolute;inset:0;pointer-events:none;z-index:0}
.t65-confetti .cf{position:absolute;display:block;width:12px;height:20px;border-radius:3px;opacity:.9}
.cf1{left:2%;top:5%;background:#FFC53A;transform:rotate(20deg)}
.cf2{left:9%;top:90%;background:#FBF6EC;transform:rotate(-30deg)}
.cf3{left:20%;top:4%;background:#0B8585;transform:rotate(60deg)}
.cf4{left:31%;top:93%;background:#FFC53A;transform:rotate(-12deg)}
.cf5{left:44%;top:3%;background:#FBF6EC;transform:rotate(45deg)}
.cf6{left:50%;top:91%;background:#0B8585;transform:rotate(15deg)}
.cf7{left:60%;top:6%;background:#FFC53A;transform:rotate(-40deg)}
.cf8{left:66%;top:20%;background:#FBF6EC;transform:rotate(70deg)}
.cf9{left:72%;top:70%;background:#FBF6EC;transform:rotate(0deg)}
.cf10{left:76%;top:8%;background:#FFC53A;transform:rotate(-25deg)}
.cf11{left:86%;top:14%;background:#0B8585;transform:rotate(35deg)}
.cf12{left:94%;top:40%;background:#FFC53A;transform:rotate(-60deg)}
.cf13{left:90%;top:78%;background:#FBF6EC;transform:rotate(10deg)}
.cf14{left:1%;top:60%;background:#0B8585;transform:rotate(-15deg)}
.cf15{left:98%;top:10%;background:#FFC53A;transform:rotate(80deg)}
.cf16{left:64%;top:88%;background:#FBF6EC;transform:rotate(20deg)}
.cf17{left:40%;top:94%;background:#FFC53A;transform:rotate(30deg)}
.cf18{left:80%;top:92%;background:#0B8585;transform:rotate(-45deg)}
@media (max-width:700px){.t65-confetti .cf2,.t65-confetti .cf3,.t65-confetti .cf4,.t65-confetti .cf5,.t65-confetti .cf6,.t65-confetti .cf8,.t65-confetti .cf9,.t65-confetti .cf13,.t65-confetti .cf16,.t65-confetti .cf17,.t65-confetti .cf18{display:none}}

.t65-facts{background:var(--cream)}
.t65-facts-head{display:grid;grid-template-columns:1fr minmax(260px,320px);grid-template-areas:'eyebrow picker' 'title picker' 'list list';column-gap:32px;row-gap:0;align-items:end}
.t65-facts-head>div:first-child{display:contents}
.t65-facts-head .eyebrow{grid-area:eyebrow;align-self:end;margin-bottom:.5em}
.t65-facts-head h2{grid-area:title;align-self:start}
.t65-facts-head .t65-picker{grid-area:picker;align-self:end}
.t65-facts-head .fact-grid{grid-area:list;margin-top:28px}
.t65-facts-head h2{margin-bottom:0}
.t65-picker{background:var(--paper);border:2px solid var(--sage2);border-radius:var(--radius-sm);padding:16px 20px;min-width:280px}
.t65-picker label{display:block;font-weight:700;color:var(--deep-teal);margin-bottom:6px}
.t65-picker select{width:100%;min-height:52px;font-size:1.15rem;font-family:var(--sans);padding:8px 12px;border:2px solid var(--deep-teal);border-radius:12px;background:#fff;color:var(--ink)}
.t65-picker-help{font-size:1rem;color:var(--ink2);margin:8px 0 0}
.fact-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fact{display:grid;grid-template-columns:48px 1fr;column-gap:12px;align-items:center;align-content:start;background:var(--paper);border-radius:var(--radius);padding:22px 24px 22px;border-top:6px solid var(--teal);box-shadow:0 8px 22px rgba(14,42,71,.07);position:relative}
.fact:nth-child(3n+2){border-top-color:var(--sun)} .fact:nth-child(3n){border-top-color:var(--navy)}
.fact-icon{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border-radius:50%;background:var(--sun-soft);font-size:1.5rem}
.fact-label{display:block;font-size:.95rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--teal-text);line-height:1.3}
.fact p{grid-column:1 / -1;margin:12px 0 0;font-size:1.18rem;line-height:1.55}
.t65-note{background:var(--sun-soft);border-radius:var(--radius-sm);padding:12px 16px;margin:20px 0 0}
.t65-small{font-size:1rem;color:var(--ink2);margin:20px 0 0}
.t65-small-light{color:#D9E8E6}
.t65-small-light a{color:#fff}

.t65-coming{background:var(--navy);color:#FBF6EC;padding:72px 0}
.t65-coming h2{color:#fff;max-width:24em}
.t65-coming h2 [data-t65="coming-lead"]{color:var(--sun);display:block}
.t65-coming-lead{color:#D9E8E6;max-width:40em}
.coming-list{list-style:none;padding:0;margin:28px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.coming-card{background:#FBF6EC;color:var(--ink);border-radius:var(--radius);padding:24px 26px;border-left:8px solid var(--sun)}
.coming-card h3{color:var(--deep-teal);font-size:1.4rem;margin-bottom:.3em}
.coming-card p{margin:0 0 4px;font-size:1.12rem}
.coming-turns{font-weight:700}
.coming-status{display:inline-block;margin-top:10px !important;background:var(--sage);color:var(--deep-teal);font-weight:700;border-radius:999px;padding:4px 14px;font-size:1rem !important}

.t65-steps{list-style:none;counter-reset:step;padding:0;margin:30px 0 0}
.t65-steps>li{counter-increment:step;position:relative;padding:0 0 30px 76px;margin:0 0 6px;border-left:3px dashed var(--sage2);margin-left:24px}
.t65-steps>li:last-child{border-left-color:transparent}
.t65-steps>li::before{content:counter(step);position:absolute;left:-26px;top:-4px;width:50px;height:50px;border-radius:50%;background:var(--deep-teal);color:#fff;font-weight:800;font-size:1.35rem;display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 6px var(--cream)}
.t65-steps>li:last-child::before{background:var(--sun);color:var(--navy)}
.t65-steps h3{font-size:1.45rem;margin-bottom:.35em}
.t65-steps h4{font-family:var(--serif);color:var(--deep-teal);font-size:1.25rem;margin:0 0 .4em}
.t65-choice{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:6px 0 14px}
.t65-choice>div{background:var(--paper);border:2px solid var(--sage2);border-radius:var(--radius-sm);padding:18px 20px}
.t65-choice p{font-size:1.12rem;margin:0}
.t65-more{margin-top:10px;font-weight:700}

@media (max-width:900px){
  .fact-grid{grid-template-columns:repeat(2,1fr)}
  .coming-list{grid-template-columns:1fr}
  .t65-facts-head{grid-template-columns:1fr;grid-template-areas:'eyebrow' 'title' 'picker' 'list'}
  .t65-facts-head .t65-picker{margin-top:18px}
}
@media (max-width:700px){
  .t65-hero{padding:40px 0 48px}
  .t65-hero-grid{grid-template-columns:1fr;gap:12px}
  .t65-hero-art{order:-1}
  .t65-sun{max-width:150px}
  .t65-lead{font-size:1.22rem}
  .fact-grid{grid-template-columns:1fr}
  .t65-picker{min-width:0}
  .t65-coming{padding:48px 0}
  .t65-choice{grid-template-columns:1fr}
  .t65-steps>li{padding-left:44px;margin-left:22px}
  .t65-steps>li::before{left:-24px;width:44px;height:44px;font-size:1.2rem}
}

.t65-promo{display:grid;grid-template-columns:auto 1fr auto;gap:22px;align-items:center;background:var(--navy);color:#FBF6EC;border-radius:var(--radius);padding:26px 30px;margin-top:34px}
.t65-promo h3{color:#fff;margin-bottom:.25em}
.t65-promo p{margin:0;color:#D9E8E6}
.t65-promo-badge{width:76px;height:76px;border-radius:50%;background:var(--sun);color:var(--navy);font-family:var(--serif);font-weight:700;font-size:2rem;display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 8px rgba(255,197,58,.25)}
@media (max-width:700px){.t65-promo{grid-template-columns:1fr;text-align:left;padding:24px}.t65-promo .btn{width:100%}.t65-promo-badge{width:60px;height:60px;font-size:1.6rem}}

.t65-retro{margin:-6px -10px 14px;border-radius:12px;overflow:hidden;background:#FBF6EC}
.t65-retro img{display:block;width:100%;height:auto}
@media (max-width:760px){.t65-retro{margin:-4px -6px 14px}}

.contact-list dd a{color:var(--green);font-weight:700;overflow-wrap:anywhere}
.contact-note{display:block;font-size:.88rem;opacity:.8;margin-top:4px}