:root {
  --red:     #B1404A;
  --red-dk:  #c71c28;
  --blue:    #3498db;
  --teal:    #93C2E2;
  --dark:    #222;
  --mid:     #555;
  --light-bg:#DFF2FF;
}

* { box-sizing: border-box; }

body {
  font-family: 'Nunito Sans', sans-serif;
  color: #38383D;
  margin: 0;
  padding-top: 88px; /* height of fixed header */
}

@media (min-width: 1400px) {
    .container, .container-lg, .container-md, .container-sm, .container-xl, .container-xxl {
        max-width: 1150px;
    }
}
/* ── HEADER ──────────────────────────────────────── */
#site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1050;
    background: #fff;
    box-shadow: 0px 0px 10px 0px rgba(0, 0, 0, 0.12);
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 24px 0px;
    max-width: 1140px;
    margin: 0 auto;
}

.header-logo img {
    height: auto;
    max-width: 350px;
}
.disc{
    font-size: 8px;
    padding-top: 5px;
}
.header-phone {
    text-align: right;
    line-height: 1.3;
    color: #38383D;
    font-size: 22px;
}
.header-phone a.phone-number {
    font-weight: 700;
    color: #38383D;
    text-decoration: none;
}
.header-phone .phone-hours {
    font-size: 15px;
    display: block;
    padding-top: 5px;
}

/* ── HERO ────────────────────────────────────────── */
#hero {
  background: url('../img/hero-bg.jpg')
			  center center / cover no-repeat;
  min-height: 740px;
  display: flex;
  align-items: center;
  position: relative;
}
#hero::before {
  content: '';
  position: absolute; inset: 0;
  background: rgba(0,0,0,.42);
}

.hero-content { position: relative; z-index: 1; }

.hero-content h1 {
    font-size: clamp(24px, 4vw, 46px);
    font-weight: 700;
    color: #fff;
    margin-bottom: 10px;
}
.hero-content .hero-sub {
    font-size: 24px;
    color: rgba(255, 255, 255, .9);
    margin-bottom: 60px;
    font-weight: 600;
}

/* Quote form card */
.quote-card {
    background: rgb(255 255 255 / 75%);
    border-radius: 12px;
    padding: 36px 40px 32px;
    max-width: 700px;
    margin: 0 auto;
}
.quote-card .form-label-top {
    font-size: 18px;
    font-weight: 700;
    color: #333;
    margin-bottom: 20px;
    display: block;
}
.quote-card input[type="email"] {
    border: 2px solid #8994b0;
    border-radius: 4px;
    font-size: 17px;
    color: #6c7a94;
    padding: 12px 14px;
    width: calc(50% - 8px);
    text-align: center;
}
.quote-card input[type="email"]:focus {
  outline: none; border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(232,33,46,.12);
}
.btn-start {
    display: block;
    width: 190px;
    margin: 0 auto;
    background: rgb(241 71 66 / 95%);
    color: #fff;
    border: none;
    border-radius: 50px;
    padding: 14px;
    font-size: 16px;
    font-weight: 700;
    font-family: 'Nunito Sans', sans-serif;
    cursor: pointer;
    transition: background .2s;
    margin-top: 40px;
}
.btn-start:hover { background: var(--red-dk); }
.quote-card .skip-link {
  display: block; text-align: center;
  margin-top: 10px; font-size: 13px;
  color: var(--red); text-decoration: underline;
}

/* ── HELPING YOU SECTION ─────────────────────────── */
#helping {
    padding: 100px 0 90px;
    background: #fff;
}
#helping h2 {
    font-size: 32px;
    font-weight: 800;
    text-align: center;
    margin-bottom: 48px;
}
.help-card { text-align: center; padding: 0 20px; }
.help-card img {
    height: 93px;
    margin-bottom: 30px;
}
.help-card h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--red);
    margin-bottom: 10px;
}
.help-card p {
    font-size: 18px;
    color: #4A4A4A;
    line-height: 1.5;
}

/* ── FAQ SECTION ─────────────────────────────────── */
#faq {
    background: var(--light-bg);
    padding: 90px 0;
    text-align: center;
}
#faq h1 {
    font-size: 32px;
    font-weight: 800;
    text-align: center;
    margin-bottom: 30px;
}
#faqAccordion{border: 1px solid #d5d8dc;}
.faq-accordion .accordion-item {
  border: none; border-bottom: 1px solid #dde3e9;
  border-radius: 0 !important;
  background: transparent;
}
.faq-accordion .accordion-button {
    background: transparent;
    font-family: 'Nunito Sans', sans-serif;
    font-size: 18px;
    font-weight: 700;
    color: var(--red);
    padding: 16px 20px;
    box-shadow: none !important;
}
.faq-accordion .accordion-button:not(.collapsed) { color: #DD5460; }
.faq-accordion .accordion-button::before {
    background-image: none;
    content: '+';
    font-size: 30px;
    font-weight: 800;
    color: var(--red);
    width: auto;
    height: auto;
    transform: none !important;
    margin-right: 10px;
}
.faq-accordion .accordion-button:not(.collapsed)::before { content: '−';color: #DD5460; }
.faq-accordion .accordion-button::after{display: none;}
.faq-accordion .accordion-body {
    font-size: 18px;
    color: #383838;
    line-height: 1.7;
    padding: 15px 20px;
    text-align: left;
    border-top: 1px solid #d5d8dc;
}
.btn-speak, .btn-find {
    background: var(--red);
    color: #fff;
    border: none;
    border-radius: 4px;
    padding: 16px 36px;
    font-size: 18px;
    font-weight: 700;
    cursor: pointer;
    transition: background .2s;
    display: inline-block;
    min-width: 320px;
    text-decoration: none;
    text-align: center;
    margin: 0 auto;
    margin-top: 60px;
}
.btn-speak:hover, .btn-find:hover { background: var(--red-dk); color:#fff; }

/* ── HOW MEDICARE WORKS ──────────────────────────── */
#how-medicare {
    padding: 100px 0 90px;
    background: #fff;
    text-align: center;
}
#how-medicare h2 {
  font-size: 32px; font-weight: 800;
  text-align: center;
  margin-bottom: 44px;
}

.medicare-card {
    border: 1.5px solid #f2b0ae;
    border-radius: 6px;
    padding: 20px;
    height: 100%;
    transition: box-shadow .2s;
    text-align: center;
}
.medicare-card:hover { box-shadow: 0 6px 24px rgba(0,0,0,.1); }
.medicare-card img { height: 86px; margin-bottom: 20px; }
.medicare-card .part-label {
  font-size: 15px; font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.5px; display: block;
  margin-bottom: 4px;
}
.medicare-card h3 {
  font-size: 20px; font-weight: 800;
  color: var(--red); margin-bottom: 12px;
}
.medicare-card ul {
    padding-left: 18px;
    text-align: left;
    font-size: 18px;
    font-weight: 600;
    line-height: 1.2em;
    margin-top: 38px;
}
.medicare-card ul li{
  padding-bottom: 10px;
}


/* ── CTA BAND ─────────────────────────────────────── */
#cta-band {
    background: url(../img/cta-bg.jpg) center center / cover no-repeat;
    position: relative;
    padding: 130px 0;
}
#cta-band::before {
  content: '';
  position: absolute; inset: 0;
  background: rgba(0,0,0,.52);
}
.cta-content { position: relative; z-index: 1; text-align: center; }
.cta-content h2 {
  font-size: 34px; font-weight: 800;
  color: #fff; margin-bottom: 10px;
}
.cta-content p {
    font-size: 20px;
    color: #fff;
    margin-bottom: 30px;
}
.cta-buttons { display: flex; gap: 30px; justify-content: center; flex-wrap: wrap; }
.btn-cta-quote, .btn-cta-call {
    background: var(--teal);
    color: #fff;
    border: none;
    border-radius: 4px;
    padding: 15px 32px;
    font-size: 18px;
    font-weight: 700;
    text-decoration: none;
    transition: opacity .2s;
    display: inline-block;
    min-width: 220px;
}
.btn-cta-call {
  background: var(--red);
}
.btn-cta-call:hover { background: var(--red-dk); color:#fff; }

/* ── FOOTER ──────────────────────────────────────── */
footer {
  background: #1a2535;
  padding: 48px 0 30px;
  color: rgba(255,255,255,.75);
  font-size: 12.5px;
  line-height: 1.7;
}
.footer-top {
  display: flex; align-items: flex-start;
  justify-content: space-between; flex-wrap: wrap;
  gap: 24px; margin-bottom: 32px;
}
.footer-logo img {height: auto;max-width: 350px; }
.footer-right { text-align: right; }
.footer-right .footer-phone {
    font-size: 20px;
    font-weight: 800;
    color: var(--red);
    display: block;
    margin: 5px 0px;
    text-decoration: none;
}
.footer-right .footer-hours, .footer-right .questions-label {
    color: rgba(255, 255, 255, .8);
    font-size: 18px;
}

.footer-divider {
  border-top: 1px solid rgba(255,255,255,.1);
  margin-bottom: 22px;
}

.footer-legal { font-size: 11px; color: rgba(255,255,255,.45); line-height: 1.65; }
.footer-links {
  margin-top: 18px;
  font-size: 12px;
  color: rgba(255,255,255,.5);
}
.footer-links a { color: rgba(255,255,255,.55); text-decoration: none; margin: 0 6px; }
.footer-links a:hover { color: #fff; }
.footer-copy {
  margin-top: 8px; font-size: 11px;
  color: rgba(255,255,255,.35);
}

/* ── RESPONSIVE ──────────────────────────────────── */
@media (max-width: 767px) {
  body { padding-top: 100px; }
  .header-inner { flex-direction: column; gap: 8px; text-align: center; }
  .header-phone { text-align: center; }
  .quote-card { padding: 28px 20px; }
  .footer-top { flex-direction: column; }
  .footer-right { text-align: left; }
}



/* ── MODAL STYLES ────────────────────────────────────── */
.qm-overlay {
  display: none;
  position: fixed; inset: 0;
  z-index: 2000;
  background: rgba(0,0,0,.55);
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  transition: opacity .28s ease;
}
.qm-overlay.qm-visible {
  display: flex;
}
.qm-overlay.qm-shown {
  opacity: 1;
}

.qm-dialog {
  background: #f2f4f7;
  border-radius: 10px;
  max-width: 760px;
  width: 100%;
  padding: 40px 48px 44px;
  position: relative;
  transform: translateY(22px) scale(.97);
  transition: transform .28s ease, opacity .28s ease;
  opacity: 0;
}
.qm-overlay.qm-shown .qm-dialog {
  transform: translateY(0) scale(1);
  opacity: 1;
}

.qm-close {
  position: absolute; top: 16px; right: 20px;
  background: none; border: none;
  font-size: 32px; line-height: 1;
  color: #333; cursor: pointer;
  padding: 0 6px;
  transition: color .15s;
}
.qm-close:hover { color: var(--red); }

.qm-title {
  text-align: center;
  font-size: 34px; font-weight: 800;
  color: #1f2d4e;
  margin: 0 0 16px;
  font-family: 'Nunito Sans', sans-serif;
}

.qm-divider {
  border-top: 2px solid #d0d7e3;
  margin-bottom: 32px;
}

.qm-body {
  display: flex;
  align-items: center;
  gap: 0;
}

.qm-col {
  flex: 1;
  text-align: center;
  padding: 0 24px;
}

.qm-col-title {
  font-size: 22px; font-weight: 800;
  color: #1f2d4e; margin-bottom: 12px;
  font-family: 'Nunito Sans', sans-serif;
}

.qm-col-sub {
  font-size: 14.5px; color: #555;
  line-height: 1.55; margin-bottom: 24px;
}

.qm-btn-quote {
  background: var(--red); color: #fff;
  border: none; border-radius: 50px;
  padding: 14px 32px; font-size: 16px;
  font-weight: 600; font-family: 'Nunito Sans', sans-serif;
  cursor: pointer;
  transition: background .2s, transform .15s;
}
.qm-btn-quote:hover {
  background: var(--red-dk);
  transform: translateY(-1px);
}
.qm-btn-quote strong { font-weight: 900; }

/* OR badge */
.qm-or {
  width: 52px; height: 52px;
  background: #2c3e6b; color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 800;
  flex-shrink: 0;
  font-family: 'Nunito Sans', sans-serif;
}

/* Right col */
.qm-right { border-left: 1.5px solid #d0d7e3; }

.qm-agent-icon img {
  height: 90px; margin-bottom: 12px;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,.15));
}

.qm-call-desc {
  font-size: 15px; color: #444;
  margin-bottom: 12px; line-height: 1.5;
}

.qm-call-number {
  margin: 0 0 6px;
  display: flex; align-items: center;
  justify-content: center; gap: 8px;
  flex-wrap: wrap;
}
.qm-call-label {
  font-size: 12px; font-weight: 800;
  color: #888; letter-spacing: .5px;
  text-transform: uppercase;
}
.qm-call-number a {
  font-size: 20px; font-weight: 800;
  color: var(--red); text-decoration: none;
}
.qm-call-number a:hover { text-decoration: underline; }

.qm-call-hours {
  font-size: 13px; color: #777; margin: 0;
}

/* Mobile */
@media (max-width: 600px) {
  .qm-dialog { padding: 28px 20px 32px; }
  .qm-body { flex-direction: column; gap: 24px; }
  .qm-or { margin: 0 auto; }
  .qm-right { border-left: none; border-top: 1.5px solid #d0d7e3; padding-top: 24px; }
  .qm-title { font-size: 22px; }
}
@media screen and (max-width:480px) {
    .header-inner {
        padding: 15px 10px;
    }
    .header-logo img{
      max-width: 270px;
    }
    .header-phone{
        font-size: 16px;
    }
    .header-phone a.phone-number{display: block;}
    .header-phone .phone-hours {font-size: 10px;}
    .hero-content .hero-sub{display: none;}
    #hero{min-height: 580px;}
}

/*******Email submit************/

.options-row {
  display: flex;
  gap: 16px;
  justify-content: center;
  margin-bottom: 28px;
}

.option-label {
  flex: 1;
  max-width: 260px;
  padding: 18px 0;
  font-size: 16px;
  font-weight: 700;
  border-radius: 8px;
  border: 2px solid #ccc;
  cursor: pointer;
  background: #fff;
  color: #333;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
  display: flex;
  align-items: center;
  justify-content: center;
  user-select: none;
}

.option-label input[type="radio"] {
  display: none;
}

.option-label input[type="radio"]:checked + span {
  color: #fff;
}

.option-label:has(input[type="radio"]:checked) {
  background: var(--red);
  border-color: var(--red);
  color: #fff;
}

.option-label:hover:not(:has(input[type="radio"]:checked)) {
  border-color: #999;
}
#global{
  padding-top: 90px;
  color: #7A7A7A;
}
#global h1{font-size: 26px;font-weight: 700;}
#global p {
  font-size: 18px;
  margin: 18px 0px;
}
ul li{
  font-size: 18px;
}