/* CoverageAlly.com — site stylesheet v2 (warm, personal, senior-friendly, modern) */
:root {
  --navy:#0D2B45; --navy-deep:#0A2236; --teal:#128ABE; --aqua:#7CCFD3;
  --green:#32C48D; --bg:#F8FAFC; --ink:#1F2937; --line:#E3EAF0; --sub:#4B5A6B;
  --mist:#EAF6F8; --mint:#E8F8F1;
}
* { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { font-family:'Inter',sans-serif; background:var(--bg); color:var(--ink); font-size:18px; line-height:1.65; }
.mano { font-family:'Manrope',sans-serif; }
.wrap { max-width:1060px; margin:0 auto; padding:0 24px; }
img { max-width:100%; }
a { color:var(--teal); }

/* ---------- Nav ---------- */
.topbar { background:#fff; border-bottom:1px solid var(--line); position:sticky; top:0; z-index:20; }
.topbar .wrap { display:flex; align-items:center; justify-content:space-between; gap:14px; padding-top:13px; padding-bottom:13px; }
.topbar .logo img { height:26px; width:auto; display:block; }
.navlinks { display:flex; align-items:center; gap:20px; }
.navlinks a { font-size:15px; font-weight:600; color:var(--sub); text-decoration:none; white-space:nowrap; }
.navlinks a:hover, .navlinks a.active { color:var(--navy); }
.navcall { font-family:'Manrope',sans-serif; font-weight:800; font-size:16px; color:var(--teal) !important; }
@media (max-width:720px) {
  .navlinks a:not(.navcall) { display:none; }
  .subnav { display:flex !important; }
}
.subnav { display:none; background:#fff; border-bottom:1px solid var(--line); padding:9px 24px; gap:18px; justify-content:center; }
.subnav a { font-size:14px; font-weight:600; color:var(--sub); text-decoration:none; }
@media (min-width:640px) { .topbar .logo img { height:36px; } }

/* ---------- Buttons ---------- */
.btn { display:inline-block; text-decoration:none; font-family:'Manrope',sans-serif; font-weight:800; border-radius:16px; text-align:center; cursor:pointer; border:none; }
.btn-primary { background:var(--teal); color:#fff; font-size:19px; padding:17px 36px; box-shadow:0 4px 16px rgba(18,138,190,0.22); }
.btn-primary:hover { background:#0F77A4; }
.btn-green { background:var(--green); color:#fff; font-size:17px; padding:14px 30px; }
.btn-green:hover { background:#28A878; }
.btn-white { background:#fff; color:var(--navy); font-size:18px; padding:15px 32px; }
.btn-white:hover { background:var(--aqua); }
.btn-ghost { background:#fff; color:var(--navy); border:2px solid var(--line); font-size:16px; padding:13px 26px; }
.btn-ghost:hover { border-color:var(--teal); color:var(--teal); }

/* ---------- Sections ---------- */
section { padding:60px 0; }
.sec-white { background:#fff; border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
h1 { font-family:'Manrope',sans-serif; font-weight:800; letter-spacing:-0.5px; color:var(--navy); font-size:clamp(32px,5vw,48px); line-height:1.14; }
h2 { font-family:'Manrope',sans-serif; font-weight:800; letter-spacing:-0.3px; color:var(--navy); font-size:clamp(25px,3.4vw,33px); line-height:1.2; }
h3 { font-family:'Manrope',sans-serif; font-weight:800; color:var(--navy); font-size:19px; }
.lead { color:var(--sub); font-size:clamp(17px,2.2vw,20px); }
.center { text-align:center; }
.sub-t { color:var(--sub); max-width:640px; margin:12px auto 0 auto; font-size:17px; }

/* ---------- Hero ---------- */
.hero { padding:64px 0 56px 0; }
.hero-grid { display:grid; gap:36px; align-items:center; }
@media (min-width:960px) { .hero-grid { grid-template-columns:1.15fr 0.85fr; } }
.hero .lead { margin-top:20px; max-width:560px; }
.cta-row { margin-top:32px; display:flex; flex-wrap:wrap; gap:14px; align-items:center; }
.cta-note { font-size:15px; color:var(--sub); }
.cta-note strong { color:var(--green); }
.badges { margin-top:26px; display:flex; flex-wrap:wrap; gap:10px; }
.badge { font-size:13.5px; font-weight:600; color:var(--navy); background:var(--mist); border-radius:20px; padding:7px 16px; }
.parent-note { margin-top:26px; font-size:16px; color:var(--sub); background:#fff; border:1px solid var(--line); border-radius:14px; padding:16px 20px; max-width:560px; }
.parent-note strong { color:var(--navy); }
.hero-card { background:var(--navy); border-radius:24px; padding:40px 34px; text-align:center; }
.hero-card img { max-width:300px; }
.hero-card p { color:#C6D8E4; font-size:15.5px; margin-top:26px; }

/* ---------- Cards ---------- */
.cards { margin-top:36px; display:grid; gap:18px; }
@media (min-width:720px) { .cards { grid-template-columns:1fr 1fr; } }
.card { background:#fff; border:1px solid var(--line); border-radius:18px; padding:26px 28px; }
.sec-white .card { background:var(--bg); }
.card h3 { margin-bottom:8px; }
.card p { font-size:16px; color:var(--sub); }
.dot { display:inline-block; width:9px; height:9px; border-radius:50%; margin-right:10px; vertical-align:2px; }
.d-teal { background:var(--teal); } .d-green { background:var(--green); }

/* ---------- Hook band ---------- */
.hook { background:var(--navy); color:#fff; }
.hook h2 { color:#fff; }
.hook .lead { color:#C6D8E4; }
.hook .drugs { margin-top:22px; display:flex; flex-wrap:wrap; gap:8px; }
.hook .pill { font-size:14px; font-weight:600; color:#fff; background:rgba(124,207,211,0.18); border:1px solid rgba(124,207,211,0.4); border-radius:20px; padding:6px 14px; }

/* ---------- Steps ---------- */
.steps { margin-top:36px; display:grid; gap:26px; }
@media (min-width:760px) { .steps { grid-template-columns:1fr 1fr 1fr; } }
.step .n { display:inline-block; width:46px; height:46px; border-radius:50%; background:var(--teal); color:#fff; font-family:'Manrope',sans-serif; font-weight:800; font-size:20px; line-height:46px; text-align:center; margin-bottom:14px; }
.step:nth-child(3) .n { background:var(--green); }
.step h3 { margin-bottom:6px; }
.step p { font-size:15.5px; color:var(--sub); }

.promise { margin:40px auto 0 auto; max-width:700px; background:var(--mint); border-radius:18px; padding:24px 30px; text-align:center; font-size:16.5px; }
.promise strong { color:var(--navy); }

/* ---------- Credentials ---------- */
.creds { margin-top:36px; display:grid; gap:16px; }
@media (min-width:760px) { .creds { grid-template-columns:repeat(4,1fr); } }
.cred { background:#fff; border:1px solid var(--line); border-radius:16px; padding:20px; text-align:center; }
.cred .big { font-family:'Manrope',sans-serif; font-weight:800; font-size:21px; color:var(--teal); }
.cred .lbl { font-size:13.5px; color:var(--sub); margin-top:5px; line-height:1.45; }

/* ---------- About ---------- */
.about { display:flex; flex-direction:column; align-items:center; gap:28px; margin-top:36px; text-align:center; }
@media (min-width:760px) { .about { flex-direction:row; text-align:left; } }
.photo { flex:0 0 auto; width:190px; height:190px; border-radius:50%; background:var(--mist); border:5px solid #fff; box-shadow:0 6px 20px rgba(13,43,69,0.12); display:flex; align-items:center; justify-content:center; color:var(--sub); font-size:13px; overflow:hidden; text-align:center; }
.photo img { width:100%; height:100%; object-fit:cover; }
.about-text .role { font-size:13px; font-weight:700; letter-spacing:1.2px; text-transform:uppercase; color:var(--teal); margin:5px 0 14px 0; }
.about-text p { font-size:16.5px; color:var(--sub); max-width:560px; }

/* ---------- FAQ ---------- */
.faq { margin-top:36px; max-width:760px; margin-left:auto; margin-right:auto; }
.faq details { background:#fff; border:1px solid var(--line); border-radius:14px; margin-bottom:12px; padding:0; }
.faq summary { cursor:pointer; font-family:'Manrope',sans-serif; font-weight:700; font-size:17px; color:var(--navy); padding:18px 22px; list-style:none; position:relative; }
.faq summary::after { content:"+"; position:absolute; right:22px; color:var(--teal); font-weight:800; font-size:20px; }
.faq details[open] summary::after { content:"\2212"; }
.faq details p { padding:0 22px 18px 22px; font-size:15.5px; color:var(--sub); }

/* ---------- Quiz ---------- */
.quizbox { max-width:640px; margin:36px auto 0 auto; background:#fff; border:1px solid var(--line); border-radius:20px; padding:34px 32px; }
.quizbox .qnum { font-size:13px; font-weight:700; letter-spacing:1.4px; text-transform:uppercase; color:var(--teal); margin-bottom:8px; }
.quizbox h2 { font-size:23px; }
.opts { margin-top:22px; display:grid; gap:11px; }
.opt { display:block; text-align:left; background:var(--bg); border:2px solid var(--line); border-radius:14px; padding:15px 18px; font-size:16.5px; font-weight:600; color:var(--ink); cursor:pointer; font-family:'Inter',sans-serif; }
.opt:hover { border-color:var(--aqua); }
.opt.sel { border-color:var(--teal); background:var(--mist); }
.quiznav { margin-top:24px; display:flex; justify-content:space-between; align-items:center; }
.quiznav .back { background:none; border:none; color:var(--sub); font-size:15px; cursor:pointer; }
.hidden { display:none !important; }

/* ---------- Forms ---------- */
.form { margin-top:22px; display:grid; gap:14px; }
.form label { font-size:14px; font-weight:700; color:var(--navy); }
.form input, .form select { width:100%; margin-top:5px; padding:14px 15px; font-size:17px; font-family:'Inter',sans-serif; border:2px solid var(--line); border-radius:12px; background:#fff; }
.form input:focus { outline:none; border-color:var(--teal); }
.consent { display:flex; gap:11px; align-items:flex-start; font-size:13.5px; color:var(--sub); }
.consent input { width:20px; height:20px; margin-top:2px; flex:0 0 auto; }
.form .fine { font-size:12px; color:var(--sub); line-height:1.55; background:var(--bg); border-radius:10px; padding:12px 14px; }
.privacy-line { font-size:13px; color:var(--sub); text-align:center; }

/* ---------- Articles ---------- */
.art-list { margin-top:36px; display:grid; gap:16px; }
@media (min-width:760px) { .art-list { grid-template-columns:1fr 1fr; } }
.art-card { background:#fff; border:1px solid var(--line); border-radius:18px; padding:26px 28px; text-decoration:none; display:block; }
.art-card:hover { border-color:var(--aqua); }
.art-card h3 { color:var(--navy); }
.art-card p { font-size:15px; color:var(--sub); margin-top:8px; }
.art-card .more { display:inline-block; margin-top:12px; font-family:'Manrope',sans-serif; font-weight:800; font-size:14px; color:var(--teal); }
.article { max-width:720px; margin:0 auto; }
.article h1 { font-size:clamp(28px,4.4vw,40px); }
.article .meta { color:var(--sub); font-size:14px; margin-top:12px; }
.article h2 { font-size:23px; margin:34px 0 10px 0; }
.article p { margin:16px 0; color:var(--ink); font-size:17.5px; }
.article ul { margin:16px 0 16px 24px; font-size:17.5px; }
.article li { margin-bottom:8px; }
.article .callout { background:var(--mint); border-radius:16px; padding:20px 24px; margin:26px 0; font-size:16.5px; }
.article .sources { font-size:13.5px; color:var(--sub); border-top:1px solid var(--line); margin-top:34px; padding-top:16px; }
.art-cta { max-width:720px; margin:44px auto 0 auto; background:var(--navy); border-radius:20px; padding:32px; text-align:center; color:#fff; }
.art-cta h2 { color:#fff; font-size:24px; }
.art-cta p { color:#C6D8E4; font-size:15.5px; margin-top:8px; }

/* ---------- Provider extras ---------- */
.rules-grid { margin-top:36px; display:grid; gap:18px; }
@media (min-width:760px) { .rules-grid { grid-template-columns:1fr 1fr; } }
.rule { border-radius:18px; padding:26px 28px; }
.rule.can { background:var(--mint); }
.rule.cant { background:#FDF1F0; }
.rule h3 { margin-bottom:12px; }
.rule.can h3 { color:#1E7A5A; } .rule.cant h3 { color:#A34A40; }
.rule ul { list-style:none; }
.rule li { font-size:15.5px; padding-left:24px; position:relative; margin-bottom:9px; }
.rule.can li::before { content:"\2713"; position:absolute; left:0; color:var(--green); font-weight:800; }
.rule.cant li::before { content:"\2715"; position:absolute; left:0; color:#C4695F; font-weight:800; }
.stats-band { margin-top:36px; display:grid; gap:22px; background:var(--mist); border-radius:20px; padding:32px; }
@media (min-width:760px) { .stats-band { grid-template-columns:1fr 1fr 1fr; } }
.stat { text-align:center; }
.stat .big { font-family:'Manrope',sans-serif; font-weight:800; font-size:30px; color:var(--teal); }
.stat:last-child .big { color:var(--green); }
.stat .lbl { font-size:14px; color:var(--sub); margin-top:6px; line-height:1.5; }

/* ---------- Bottom CTA + footer ---------- */
.bottomcta { background:var(--navy); color:#fff; text-align:center; padding:64px 24px; }
.bottomcta img { height:42px; width:auto; margin-bottom:22px; }
.bottomcta h2 { color:#fff; }
.bottomcta p { color:#C6D8E4; max-width:560px; margin:14px auto 0 auto; font-size:16.5px; }
.bottomcta .alt { margin-top:16px; font-size:15px; color:#9DB8CB; }
.bottomcta .alt a { color:var(--aqua); text-decoration:none; }
footer { background:var(--navy-deep); color:#8FA9BD; padding:36px 0 42px 0; font-size:12.5px; line-height:1.65; }
footer .wrap { max-width:900px; }
footer p { margin-bottom:10px; }
footer a { color:var(--aqua); text-decoration:none; }
.foot-nav { margin-bottom:18px; display:flex; flex-wrap:wrap; gap:16px; font-size:13.5px; }

/* ---------- Agents portal ---------- */
.banner { background:#FDF1F0; border-bottom:1px solid #F2D9D6; padding:13px 24px; font-size:14px; color:#7A3B33; }
.banner strong { color:#A34A40; }
.files { display:grid; gap:13px; margin-top:18px; }
@media (min-width:760px) { .files { grid-template-columns:1fr 1fr; } }
.file { background:#fff; border:1px solid var(--line); border-radius:15px; padding:16px 20px; display:flex; align-items:center; justify-content:space-between; gap:14px; }
.file .fname { font-size:15.5px; font-weight:600; color:var(--navy); }
.file .fdesc { font-size:13px; color:var(--sub); margin-top:2px; }
.file .btn { font-size:14px; padding:9px 18px; border-radius:11px; background:var(--teal); color:#fff; flex:0 0 auto; }
.rulesbox { background:#fff; border:1px solid var(--line); border-left:4px solid var(--green); border-radius:16px; padding:26px 30px; margin-top:34px; }
.rulesbox ol { padding-left:22px; }
.rulesbox li { font-size:15px; margin-bottom:9px; }