:root{--ink:#071f4f;--ink-soft:#173866;--blue:#245b98;--blue-soft:#eaf3fb;--gold:#c98719;--gold-dark:#9b6410;--paper:#fffdf8;--white:#fff;--muted:#5f6d82;--line:#dbe5ee;--shadow:0 18px 50px #071f4f1f;--radius:8px;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased;text-rendering:optimizelegibility}body{color:var(--ink);background:var(--paper);margin:0;font-family:Georgia,Times New Roman,serif;font-size:17px;line-height:1.58}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}a:hover{color:var(--gold-dark)}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible{outline-offset:3px;outline:3px solid #c9871973}h1,h2,h3{color:var(--ink);text-wrap:balance;margin:0;line-height:1.04}h1{letter-spacing:0;font-size:clamp(2.85rem,6vw,5.6rem)}h2{font-size:clamp(2rem,3.4vw,3.6rem)}h3{font-size:1.28rem}p{text-wrap:pretty;margin:0}.skip-link{z-index:1000;background:var(--ink);color:#fff;padding:10px 14px;position:absolute;top:-80px;left:16px}.skip-link:focus{top:12px}.site-header{z-index:50;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);background:#fffdf8f0;border-bottom:1px solid #dbe5eedb;position:sticky;top:0}.header-inner{grid-template-columns:auto 1fr auto auto;align-items:center;gap:clamp(18px,2vw,32px);max-width:1440px;min-height:94px;margin:0 auto;padding:12px clamp(18px,4vw,42px);display:grid}.brand{width:160px;min-width:150px}.brand-wordmark,.footer-wordmark{width:auto;color:var(--ink);letter-spacing:-.035em;gap:1px;font-family:Georgia,Times New Roman,serif;line-height:.95;display:inline-grid}.brand-wordmark span,.footer-wordmark span{font-size:1.55rem;font-weight:700}.brand-wordmark small,.footer-wordmark small{color:var(--gold-dark);letter-spacing:.15em;text-transform:uppercase;font-family:Arial,Helvetica,sans-serif;font-size:.62rem;font-weight:800}.brand img,.footer-logo{object-fit:contain;width:100%;height:auto}.brand-logo{object-position:left center;height:auto;max-height:none;display:block}.desktop-nav{justify-content:center;gap:clamp(12px,1.6vw,22px);font-size:.95rem;font-weight:700;display:flex}.desktop-nav a{white-space:nowrap}.desktop-nav .header-question{color:var(--blue)}.desktop-nav a,.footer-grid a,.mobile-panel a{transition:color .16s,transform .16s}.desktop-nav a:hover,.footer-grid a:hover,.mobile-panel a:hover{transform:translateY(-1px)}.header-call{min-height:48px;color:var(--ink);white-space:nowrap;align-items:center;gap:10px;display:inline-flex}.header-call strong{font-variant-numeric:tabular-nums;font-size:1.35rem;line-height:1.1;display:block}.header-call small{color:var(--muted);font-size:.9rem;display:block}.call-icon,.service-icon{color:var(--gold);font-size:1.8rem;line-height:1}.mobile-menu{display:none;position:relative}.mobile-menu summary{cursor:pointer;border:1px solid var(--line);border-radius:var(--radius);min-height:44px;padding:10px 12px;font-weight:700;list-style:none}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-panel{background:var(--white);min-width:250px;box-shadow:var(--shadow);border:1px solid var(--line);border-radius:var(--radius);gap:12px;padding:16px;display:grid;position:absolute;top:calc(100% + 10px);right:0}.button{border-radius:var(--radius);text-align:center;border:1px solid #0000;justify-content:center;align-items:center;min-height:48px;padding:13px 20px;font-weight:800;transition:transform .16s,box-shadow .16s,background .16s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button:active{transform:translateY(0)scale(.99)}.button-primary{background:linear-gradient(180deg, #dca044, var(--gold));color:#fff;box-shadow:0 12px 28px #c9871947}.button-primary:hover{color:#fff;background:linear-gradient(#c98719,#9b6410)}.button-ghost{background:var(--white);border-color:var(--line);color:var(--ink)}.hero{border-bottom:1px solid var(--line);background:linear-gradient(135deg,#fffdf8 0%,#f7fbff 52%,#eaf3fb 100%);grid-template-columns:minmax(0,.94fr) minmax(340px,.8fr);align-items:center;gap:clamp(32px,5vw,72px);min-height:min(640px,100vh - 94px);padding:clamp(28px,4vw,52px) clamp(22px,5vw,64px);display:grid;position:relative;overflow:hidden}.hero:before{content:"";z-index:1;background:linear-gradient(90deg,#fffdf8fa 0%,#fffdf8b8 48%,#fffdf814 100%),radial-gradient(circle at 82% 24%,#c9871924,#0000 32%);position:absolute;inset:0}.hero-media{z-index:2;justify-self:end;width:min(390px,100%);position:relative}.hero-media:before{content:"";border-radius:var(--radius);border:1px solid #c9871961;position:absolute;inset:18px -18px -18px 18px}.hero-img{z-index:1;aspect-ratio:4/5;object-fit:cover;object-position:center top;border-radius:var(--radius);width:100%;box-shadow:var(--shadow);position:relative}.hero-content{z-index:2;width:min(690px,100% - 32px);padding:clamp(18px,4vh,42px) 0;position:relative}.hero h1{max-width:760px;margin-bottom:22px;font-size:clamp(2.55rem,4.4vw,4.35rem)}.hero h1:after,.page-hero h1:after,.service-hero h1:after,.section-copy h2:after{content:"";background:var(--gold);width:132px;height:3px;margin-top:22px;display:block}.hero p{max-width:560px;color:var(--ink-soft);font-size:clamp(1.18rem,2vw,1.55rem);line-height:1.38}.hero-kicker{letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px;font-weight:800;color:var(--gold-dark)!important;font-size:.76rem!important}.hero-actions{flex-wrap:wrap;align-items:center;gap:18px;margin-top:30px;display:flex}.phone-button{min-height:48px;color:var(--ink);align-items:center;font-size:1.2rem;font-weight:800;display:inline-flex}.review-panel{border:1px solid var(--line);border-radius:var(--radius);background:#fffffff0;grid-template-columns:auto auto;align-items:center;gap:2px 16px;margin-top:26px;padding:18px 24px;display:inline-grid;box-shadow:0 8px 24px #071f4f14}.review-panel a{color:var(--muted);text-underline-offset:3px;grid-column:1/-1;font-size:.95rem;font-weight:800;text-decoration:underline;transition:color .16s}.review-panel a:hover{color:var(--gold-dark)}.stars{color:var(--gold);letter-spacing:0;font-size:1.28rem}.section-tight{z-index:3;max-width:1360px;margin:-38px auto 0;padding:0 clamp(18px,4vw,42px);position:relative}.service-cards{grid-template-columns:repeat(4,1fr);gap:22px;display:grid}.service-card{border:1px solid var(--line);border-radius:var(--radius);background:#fffffff5;grid-template-columns:58px 1fr;align-items:center;gap:16px;min-height:160px;padding:24px;transition:transform .18s,box-shadow .18s,border-color .18s;display:grid;box-shadow:0 12px 30px #071f4f14}.service-card:hover{box-shadow:var(--shadow);color:var(--ink);border-color:#c987196b;transform:translateY(-4px)}.service-icon{background:linear-gradient(160deg, #4773a4, var(--ink));color:#fff;border-radius:18px 18px 24px 24px;place-items:center;width:58px;height:58px;font-size:1.85rem;font-weight:700;display:grid}.service-card strong{text-transform:uppercase;letter-spacing:0;font-size:1.22rem;display:block}.service-card small{color:var(--ink-soft);margin-top:8px;font-size:1rem;line-height:1.42;display:block}.service-card em{color:var(--gold-dark);margin-top:14px;font-style:normal;font-weight:800;display:inline-block}.trust-band{max-width:var(--max);border-top:1px solid var(--line);border-bottom:1px solid var(--line);grid-template-columns:repeat(4,1fr);margin:70px auto 0;padding:0 clamp(18px,4vw,42px);display:grid}.trust-band div{border-right:1px solid var(--line);padding:26px 22px}.trust-band div:last-child{border-right:0}.trust-band strong,.trust-band span{display:block}.trust-band strong{font-size:1.2rem}.trust-band span{color:var(--muted);font-size:.96rem}.split-section,.meet-section,.why-section,.balanced-coverage,.final-expense-section,.who-help-section,.community-section,.image-rail,.directory-section,.service-area-section,.faq-section,.contact-slab,.page-section,.quote-section{max-width:var(--max);margin:96px auto;padding:0 clamp(18px,4vw,42px)}.split-section{grid-template-columns:.92fr 1.08fr;align-items:center;gap:clamp(32px,6vw,74px);display:grid}.meet-section{grid-template-columns:minmax(240px,.72fr) 1.28fr;align-items:center;gap:clamp(30px,5vw,66px);padding-top:28px;padding-bottom:28px;display:grid}.meet-text-section{border-top:1px solid var(--line);max-width:900px;padding-top:36px;display:block}.community-section{border-top:1px solid var(--line);justify-content:space-between;align-items:center;gap:clamp(26px,5vw,58px);padding-top:42px;display:flex}.community-section .section-copy{max-width:760px}.meet-photo{aspect-ratio:4/5;object-fit:cover;object-position:center top;border-radius:var(--radius);width:100%;max-width:420px;box-shadow:var(--shadow);justify-self:center}.section-copy p{max-width:620px;color:var(--ink-soft);margin-top:24px;font-size:1.12rem}.credential-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;max-width:620px;margin-top:26px;display:grid}.credential-grid span{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);min-height:54px;color:var(--ink);align-items:center;padding:12px 14px;font-weight:800;display:flex}.step-list{gap:12px;margin-top:28px;display:grid}.step-list span{border-left:4px solid var(--gold);background:var(--blue-soft);border-radius:0 var(--radius) var(--radius) 0;padding:14px 16px;font-weight:700}.section-img,.image-rail img,.service-hero img{aspect-ratio:4/3;object-fit:cover;border-radius:var(--radius);width:100%;box-shadow:var(--shadow)}.section-heading{text-align:center;max-width:850px;margin:0 auto}.section-heading p{max-width:720px;color:var(--ink-soft);margin:18px auto 0;font-size:1.12rem}.final-expense-section{border-radius:var(--radius);background:linear-gradient(135deg,#fff 0%,#fff8eb 100%);border:1px solid #c987195c;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:clamp(26px,5vw,58px);padding:clamp(30px,5vw,52px);display:grid;box-shadow:0 14px 36px #071f4f14}.final-expense-section h2{font-size:clamp(2rem,3.4vw,3.5rem)}.final-expense-actions{justify-items:start;gap:4px;min-width:min(330px,100%);display:grid}.who-help-grid{grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px;display:grid}.who-help-card{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);min-height:190px;padding:24px;box-shadow:0 10px 28px #071f4f0f}.who-help-card h3{font-size:1.18rem}.who-help-card p{color:var(--ink-soft);margin-top:14px;font-size:1rem}.why-grid{grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px;display:grid}.why-card{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);min-height:220px;padding:26px;box-shadow:0 10px 28px #071f4f12}.why-card h3{font-size:1.18rem}.why-card p{color:var(--ink-soft);margin-top:14px;font-size:1rem}.coverage-pair{grid-template-columns:repeat(2,1fr);gap:26px;margin-top:34px;display:grid}.coverage-card{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);grid-template-columns:.92fr 1.08fr;align-items:center;gap:22px;padding:22px;display:grid;box-shadow:0 10px 28px #071f4f12}.coverage-card img{aspect-ratio:1;object-fit:cover;border-radius:var(--radius);width:100%}.coverage-card h3{font-size:clamp(1.45rem,2.2vw,2rem)}.coverage-card p{color:var(--ink-soft);margin-top:12px}.quote-section{text-align:center}.quote-grid{text-align:left;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px;display:grid}.quote-card{border-radius:var(--radius);border:1px solid var(--line);background:linear-gradient(#fff,#f4f9ff);margin:0;padding:28px}.quote-card p{color:var(--ink-soft);font-size:1.08rem;font-style:italic}.quote-card footer{color:var(--gold-dark);margin-top:18px;font-weight:800}.quote-card footer span{color:var(--muted);font-weight:700}.text-link{color:var(--gold-dark);border-bottom:2px solid;margin-top:24px;font-weight:800;display:inline-flex}.image-rail{grid-template-columns:repeat(2,1fr);gap:34px;display:grid}.image-rail h2{margin-top:24px;font-size:clamp(1.8rem,2.8vw,3rem)}.image-rail p{color:var(--ink-soft);margin-top:14px}.directory-section{grid-template-columns:1.2fr .8fr;gap:44px;display:grid}.service-area-section{border-top:1px solid var(--line);text-align:center;max-width:980px;padding-top:46px}.service-area-section h2{font-size:clamp(1.9rem,3vw,3rem)}.service-area-section p{max-width:820px;color:var(--ink-soft);margin:18px auto 0;font-size:1.12rem}.directory-section p,.lead-small{color:var(--ink-soft);margin-top:16px}.link-grid{grid-template-columns:repeat(3,1fr);gap:12px;margin-top:24px;display:grid}.link-grid.compact,.footer-grid .link-grid{grid-template-columns:1fr}.link-grid a{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);align-items:center;min-height:52px;padding:13px 14px;font-weight:700;transition:transform .16s,border-color .16s,box-shadow .16s;display:flex}.link-grid a:hover{color:var(--ink);border-color:#c9871980;transform:translateY(-2px);box-shadow:0 10px 24px #071f4f14}.faq-section{max-width:900px}.faq-widget{border-radius:10px;width:100%;overflow:hidden}.faq-page-section{margin-top:12px}.contact-slab{border-radius:var(--radius);background:linear-gradient(135deg, var(--ink), #174c82);color:#fff;grid-template-columns:.84fr 1.16fr;align-items:start;gap:clamp(28px,5vw,58px);padding:clamp(30px,5vw,54px);display:grid}.contact-slab h2,.contact-slab p,.contact-slab a{color:#fff}.contact-slab h2{font-size:clamp(2rem,3.2vw,3.4rem)}.contact-slab p{opacity:.92;margin-top:18px}.contact-form{background:var(--white);color:var(--ink);border-radius:var(--radius);gap:16px;padding:26px;display:grid}.form-grid{grid-template-columns:1fr 1fr;gap:14px;display:grid}.contact-form label{gap:7px;font-weight:800;display:grid}.contact-form input,.contact-form textarea{border:1px solid var(--line);border-radius:var(--radius);width:100%;font:inherit;color:var(--ink);background:#fbfdff;padding:12px 13px}.contact-form textarea{resize:vertical}.contact-form-status{border-radius:var(--radius);color:var(--ink);background:var(--blue-soft);padding:12px}.contact-form .button{width:fit-content}.chat-launcher{z-index:9999;background:var(--navy);min-width:196px;color:var(--white);text-align:left;border:0;border-radius:3px;padding:.8rem 1rem;position:fixed;bottom:20px;right:20px;box-shadow:0 14px 32px #071f4f3d}.chat-launcher span,.chat-launcher small{display:block}.chat-launcher span{font-weight:800}.chat-launcher small{color:#d7e6f1;margin-top:.2rem}.chat-panel{border:1px solid var(--line);background:var(--white);width:min(370px,100vw - 28px);max-height:calc(100vh - 32px);padding:1.25rem;overflow:auto;box-shadow:0 18px 48px #071f4f40}.chat-panel-heading{justify-content:space-between;align-items:start;gap:1rem;display:flex}.chat-panel-heading strong,.chat-panel-heading span{display:block}.chat-panel-heading span,.chat-note,.chat-panel>a,.chat-status{font-size:.875rem;line-height:1.45}.chat-panel-heading button{color:var(--ink);cursor:pointer;background:0 0;border:0;font-size:1.8rem;line-height:1}.chat-note{color:var(--ink-soft);margin:.75rem 0 1rem}.chat-panel form{gap:.7rem;display:grid}.chat-panel label{gap:.3rem;font-size:.9rem;font-weight:700;display:grid}.chat-panel input,.chat-panel textarea{border:1px solid var(--line);width:100%;color:var(--ink);font:inherit;border-radius:2px;padding:.65rem}.chat-launcher:focus-visible{outline:3px solid var(--gold);outline-offset:2px}.chat-name-fields{grid-template-columns:1fr 1fr;gap:.65rem;display:grid}.chat-status{color:var(--ink-soft);margin:0}.chat-panel .button{justify-content:center;width:100%}.chat-panel>a{color:var(--blue);margin-top:.9rem;font-weight:700;display:block}.page-shell{max-width:100%}.page-hero,.service-hero{max-width:var(--max);margin:0 auto;padding:clamp(58px,8vw,100px) clamp(18px,4vw,42px) clamp(34px,5vw,70px)}.page-hero{background:linear-gradient(180deg, #fff, var(--paper))}.page-hero.compact h1{font-size:clamp(2.4rem,4.8vw,4.7rem)}.page-hero p,.service-hero p{max-width:760px;color:var(--ink-soft);margin-top:24px;font-size:1.22rem}.service-hero{grid-template-columns:.9fr 1.1fr;align-items:center;gap:clamp(30px,5vw,70px);display:grid}.service-hero h1{font-size:clamp(2.45rem,4.8vw,5rem)}.service-hero .button{margin-top:28px}.business-hero{background:var(--blue-soft)}.legacy-content{color:#183252;overflow-wrap:anywhere;max-width:880px;margin:40px auto 92px;padding:0 clamp(18px,4vw,42px)}.legacy-content h1{font-size:clamp(2rem,4vw,3.4rem)}.legacy-content h2{margin-top:44px;font-size:clamp(1.55rem,2.5vw,2.25rem)}.legacy-content h3,.legacy-content h4{margin-top:30px}.legacy-content p,.legacy-content ul,.legacy-content ol,.legacy-content blockquote,.legacy-content table{margin-top:18px}.legacy-content ul,.legacy-content ol{padding-left:1.4rem}.legacy-content li+li{margin-top:7px}.legacy-content a{color:var(--gold-dark);text-underline-offset:3px;font-weight:700;text-decoration:underline}.legacy-content blockquote{background:var(--blue-soft);border-left:4px solid var(--gold);border-radius:0 var(--radius) var(--radius) 0;margin-left:0;padding:20px 24px}.legacy-content table{border-collapse:collapse;-webkit-overflow-scrolling:touch;width:100%;max-width:100%;display:block;overflow-x:auto}.legacy-content th,.legacy-content td{border:1px solid var(--line);text-align:left;padding:10px}.article-content{max-width:820px}.blog-post-hero{grid-template-columns:minmax(0,1fr) minmax(300px,.9fr);align-items:center;gap:clamp(2rem,5vw,5rem);padding:clamp(3rem,7vw,6rem) 0 3rem;display:grid}.blog-post-hero h1{max-width:680px;margin:1rem 0;font-size:clamp(2.35rem,5vw,4.25rem);line-height:1.04}.blog-post-hero p{max-width:640px;font-size:1.125rem}.blog-post-hero picture,.blog-article>picture{display:block}.blog-post-hero picture,.blog-post-hero img,.blog-article>picture,.blog-article>img{width:100%}.blog-post-hero img,.blog-article>img,.blog-article>picture img{border-radius:4px;height:auto;display:block;box-shadow:0 18px 44px #1226372e}.blog-back-link{color:var(--blue);font-weight:700}.blog-article{width:min(100%,760px);margin:0 auto;padding-bottom:5rem}.blog-article h2{margin:3rem 0 1rem;font-size:clamp(1.6rem,3vw,2.35rem);line-height:1.16}.blog-article p,.blog-article li{font-size:1.0625rem;line-height:1.78}.blog-article p+p{margin-top:1rem}.blog-article ol{padding-left:1.35rem}.blog-article li+li{margin-top:.65rem}.article-table-wrap{-webkit-overflow-scrolling:touch;overflow-x:auto}.article-table-wrap table{width:100%}.article-lead{font-size:1.23rem!important;line-height:1.7!important}.blog-article>img,.blog-article>picture{margin:2.25rem 0}.article-cta{background:var(--mist);border:1px solid #1c5b8233;margin:3.25rem 0;padding:clamp(1.5rem,4vw,2.5rem)}.article-cta h2{margin-top:0}.article-cta .text-link{margin-left:1rem;display:inline-block}.article-faq,.article-related{margin-top:4rem}.article-related>h2{margin-bottom:1.25rem}.article-related-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:1.25rem;display:grid}.article-related-card{border:1px solid var(--line);background:var(--white);min-height:144px;color:var(--ink);grid-template-columns:124px minmax(0,1fr);align-items:center;gap:1rem;transition:transform .16s,border-color .16s,box-shadow .16s;display:grid}.article-related-card:hover{border-color:#c987198a;transform:translateY(-2px);box-shadow:0 12px 26px #071f4f1a}.article-related-card picture{width:124px;height:100%;min-height:144px}.article-related-card img{object-fit:cover;width:124px;height:100%;min-height:144px}.article-related-card span{padding:1rem 1rem 1rem 0}.article-related-card strong,.article-related-card small{display:block}.article-related-card strong{font-size:1.05rem;line-height:1.28}.article-related-card small{color:var(--ink-soft);margin-top:.45rem;font-size:.93rem;line-height:1.45}.medigap-hero{width:min(100%, var(--max));grid-template-columns:minmax(0,1fr) minmax(340px,.92fr);align-items:center;gap:clamp(2rem,5vw,5rem);margin:0 auto;padding:clamp(3rem,7vw,6rem) clamp(18px,4vw,42px) 3rem;display:grid}.medigap-hero h1{max-width:680px;margin:1rem 0;font-size:clamp(2.35rem,5vw,4.25rem);line-height:1.04}.medigap-hero h1:after{content:"";background:var(--gold);width:132px;height:3px;margin-top:22px;display:block}.medigap-hero p{max-width:630px;color:var(--ink-soft);font-size:1.125rem}.medigap-hero img{aspect-ratio:3/2;object-fit:cover;border-radius:var(--radius);width:100%;box-shadow:var(--shadow)}.medigap-hero-actions{flex-wrap:wrap;align-items:center;gap:18px;margin-top:28px;display:flex}.medigap-article{width:min(100% - 36px,760px);margin:0 auto;padding-bottom:5rem}.medigap-article h2{margin:3rem 0 1rem;font-size:clamp(1.6rem,3vw,2.35rem);line-height:1.16}.medigap-article p,.medigap-article li{font-size:1.0625rem;line-height:1.78}.medigap-article p+p{margin-top:1rem}.medigap-article a:not(.button):not(.text-link){color:var(--gold-dark);text-underline-offset:3px;font-weight:700;text-decoration:underline}.medigap-decision-map{background:var(--line);border:1px solid var(--line);grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;margin:2.5rem 0;padding:clamp(1.4rem,3vw,2rem);display:grid}.medigap-decision-map>div{background:var(--white);padding:1.5rem}.medigap-decision-map span{background:var(--ink);width:38px;height:38px;color:var(--white);border-radius:50%;place-items:center;font-family:Arial,Helvetica,sans-serif;font-size:.9rem;font-weight:800;display:grid}.medigap-decision-map h2{margin:1rem 0 .55rem;font-size:1.45rem}.medigap-decision-map p{color:var(--ink-soft);font-size:1rem;line-height:1.55}.fact-sheet-hero{width:min(100% - 36px,940px);margin:0 auto;padding:clamp(3rem,7vw,6rem) 0 2.5rem}.fact-sheet-hero .eyebrow{margin-top:1.25rem}.fact-sheet-hero h1{max-width:820px;margin:.75rem 0 1rem;font-size:clamp(2.35rem,5vw,4.25rem);line-height:1.04}.fact-sheet-hero>p:not(.eyebrow):not(.fact-sheet-updated){max-width:740px;color:var(--ink-soft);font-size:1.125rem;line-height:1.7}.fact-sheet-updated{color:var(--ink-soft);margin-top:1.25rem;font-size:.95rem}.fact-sheet-content{width:min(100% - 36px,940px);margin:0 auto;padding-bottom:5rem}.fact-sheet-content>section>h2,.fact-sheet-sources>h2,.fact-sheet-cite>h2{margin:3rem 0 1rem;font-size:clamp(1.6rem,3vw,2.35rem);line-height:1.16}.fact-sheet-content p,.fact-sheet-content li{font-size:1.0625rem;line-height:1.78}.fact-sheet-content a:not(.button):not(.text-link){color:var(--gold-dark);text-underline-offset:3px;font-weight:700;text-decoration:underline}.fact-sheet-stats{border-top:1px solid var(--line);border-left:1px solid var(--line);grid-template-columns:repeat(2,minmax(0,1fr));margin:2.5rem 0 0;display:grid}.fact-stat{border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--white);padding:clamp(1.35rem,3vw,2rem)}.fact-stat-value{color:var(--blue);margin:0;font-weight:800;line-height:1;font-size:clamp(2.15rem,4vw,3.5rem)!important}.fact-stat h2{margin:.85rem 0 .65rem;font-size:clamp(1.2rem,2vw,1.48rem);line-height:1.25}.fact-stat>p:not(.fact-stat-value){color:var(--ink-soft);margin-bottom:1rem}.fact-sheet-note,.fact-sheet-sources,.fact-sheet-cite{border-top:1px solid var(--line);padding-top:.1rem}.fact-sheet-sources ul{padding-left:1.35rem}.fact-sheet-cite{padding-bottom:.5rem}@media (max-width:900px){.blog-post-hero{grid-template-columns:1fr;padding-top:2.5rem}.article-related-grid{grid-template-columns:1fr}.medigap-hero{grid-template-columns:1fr;padding-top:2.5rem}.medigap-decision-map,.fact-sheet-stats{grid-template-columns:1fr}}@media (max-width:560px){.article-table-wrap table{min-width:680px}.article-cta .text-link{margin:1rem 0 0;display:block}.article-related-card{grid-template-columns:106px minmax(0,1fr);min-height:126px}.article-related-card picture,.article-related-card img{width:106px;min-height:126px}.article-related-card span{padding:.875rem .875rem .875rem 0}.medigap-hero-actions{flex-direction:column;align-items:stretch}.medigap-hero-actions .button{width:100%}.medigap-decision-map>div{padding:1.25rem}}.page-section{border-top:1px solid var(--line);padding-top:44px}.statement-content{max-width:860px;margin-top:12px}.statement-content h2{margin-top:3rem;font-size:clamp(1.65rem,3vw,2.35rem)}.statement-content h2:first-child{margin-top:0}.statement-content p+p{margin-top:1rem}.page-contact{margin-top:32px}.page-quotes{margin-top:24px}.about-split{margin-top:40px;margin-bottom:30px}.about-photo{aspect-ratio:4/5;object-position:center top}.about-why{margin-top:34px;margin-bottom:34px}.not-found{max-width:780px;min-height:56vh;margin:0 auto;padding:clamp(70px,10vw,120px) clamp(18px,4vw,42px)}.not-found p{color:var(--ink-soft);margin-top:22px;font-size:1.2rem}.site-footer{border-top:1px solid var(--line);background:#f0f6fc}.footer-cta{max-width:var(--max);border-bottom:1px solid var(--line);justify-content:space-between;align-items:center;gap:26px;margin:0 auto;padding:54px clamp(18px,4vw,42px);display:flex}.footer-cta h2{font-size:clamp(1.85rem,3vw,3rem)}.footer-cta p{color:var(--ink-soft);margin-top:12px}.footer-actions{flex-wrap:wrap;gap:12px;display:flex}.footer-grid{max-width:var(--max);grid-template-columns:1.1fr 1fr 1fr 1fr;gap:34px;margin:0 auto;padding:50px clamp(18px,4vw,42px);display:grid}.footer-logo{max-width:210px;margin-bottom:18px}.footer-wordmark{margin-bottom:18px}.footer-grid h3{margin-bottom:14px}.footer-grid a{color:var(--ink-soft);margin-top:8px;display:block}.footer-grid p{color:var(--ink-soft);margin-top:10px;font-size:.98rem}.socials{flex-wrap:wrap;gap:10px 14px;margin-top:18px;display:flex}.theo-badge{width:fit-content;margin-top:22px!important}.theo-badge img{width:auto;height:28px}.reveal{opacity:1;animation:none;transform:translateY(0)}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}.reveal{opacity:1;transform:none}}@media (max-width:1280px){.service-cards{grid-template-columns:repeat(2,1fr)}.desktop-nav{display:none}.mobile-menu{display:block}.header-inner{grid-template-columns:auto 1fr auto auto}}@media (max-width:900px){.header-inner{grid-template-columns:auto 1fr auto;min-height:78px}.brand{width:148px;min-width:140px}.header-call{display:none}.hero{grid-template-columns:1fr;align-items:start;gap:24px;min-height:auto;max-height:none;padding:28px 22px 44px}.hero:before{background:linear-gradient(#fffdf8fa 0%,#fffdf8d6 58%,#fffdf8fa 100%),radial-gradient(circle at 78% 14%,#c9871921,#0000 34%)}.hero-media{order:-1;justify-self:center;width:min(280px,78vw)}.hero-content{width:100%;margin:0;padding:0}.hero h1{font-size:clamp(2.25rem,7.2vw,3.2rem)}.section-tight{margin-top:20px}.service-cards,.trust-band,.split-section,.meet-section,.community-section,.why-grid,.final-expense-section,.who-help-grid,.coverage-pair,.image-rail,.directory-section,.contact-slab,.service-hero,.footer-grid{grid-template-columns:1fr}.service-card{grid-template-columns:60px 1fr;min-height:0}.community-section{flex-direction:column;align-items:flex-start}.service-icon{width:60px;height:60px;font-size:1.9rem}.trust-band div{border-right:0;border-bottom:1px solid var(--line)}.trust-band div:last-child{border-bottom:0}.quote-grid,.link-grid,.form-grid,.coverage-card{grid-template-columns:1fr}.footer-cta{flex-direction:column;align-items:flex-start}}@media (max-width:560px){body{font-size:16px}.header-inner{gap:10px;padding-inline:14px}.brand{width:142px;min-width:136px}.mobile-panel{min-width:min(280px,100vw - 28px);right:-6px}.hero h1{font-size:clamp(2.08rem,10vw,2.7rem)}.hero p{font-size:1.04rem}.hero-actions,.footer-actions{flex-direction:column;align-items:stretch}.hero{gap:18px;padding:16px 18px 24px}.hero-media{width:min(180px,52vw)}.hero-media:before{inset:10px -10px -10px 10px}.hero h1{margin-bottom:12px;font-size:clamp(1.78rem,7.3vw,2.06rem)}.hero h1:after{width:92px;margin-top:12px}.hero-actions{gap:10px;margin-top:14px}.button,.phone-button{width:100%;min-height:44px}.review-panel{grid-template-columns:1fr;width:100%;margin-top:12px;padding:10px 14px}.stars{font-size:1.08rem}.section-tight{margin-top:14px}.service-card{gap:14px;padding:20px}.split-section,.meet-section,.why-section,.balanced-coverage,.final-expense-section,.who-help-section,.community-section,.image-rail,.directory-section,.service-area-section,.faq-section,.contact-slab,.page-section,.quote-section{margin:64px auto}.contact-slab{padding:24px 18px}.contact-form{padding:18px}.credential-grid{grid-template-columns:1fr}.why-card{min-height:0}.page-hero,.service-hero{padding-top:46px}}.resource-jump-nav{max-width:var(--max);flex-wrap:wrap;gap:10px;margin:0 auto;padding:0 clamp(18px,4vw,42px);display:flex}.resource-jump-nav a{border:1px solid var(--line);background:var(--white);color:var(--ink);padding:9px 13px;font-size:.9rem;font-weight:700;line-height:1.25;transition:border-color .16s,color .16s,transform .16s}.resource-jump-nav a:hover{border-color:var(--gold);color:var(--gold-dark);transform:translateY(-1px)}.resource-sections{max-width:var(--max);margin:60px auto 96px;padding:0 clamp(18px,4vw,42px)}.resource-section{border-top:1px solid var(--line);padding:50px 0;scroll-margin-top:112px}.resource-section:first-child{border-top:0;padding-top:0}.resource-section-heading{max-width:760px;margin-bottom:28px}.resource-section-heading h2{font-size:clamp(2rem,4vw,3.35rem)}.resource-section-heading>p:last-child{color:var(--ink-soft);margin-top:18px;font-size:1.12rem}.resource-link-grid,.resource-contact-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.resource-link,.resource-contact{border:1px solid var(--line);background:var(--white);min-height:150px;color:var(--ink);padding:22px;transition:border-color .16s,box-shadow .16s,transform .16s}.resource-link:hover,.resource-contact:hover{border-color:#c9871999;transform:translateY(-2px);box-shadow:0 12px 26px #071f4f1a}.resource-link strong,.resource-link span,.resource-contact span,.resource-contact strong,.resource-contact small{display:block}.resource-link strong,.resource-contact strong{font-size:1.06rem;line-height:1.3}.resource-link span,.resource-contact span,.resource-contact small{color:var(--ink-soft);margin-top:8px;font-size:.95rem;line-height:1.5}.resource-contact{min-height:110px}.resource-contact strong{color:var(--blue);font-variant-numeric:tabular-nums;margin-top:3px}.government-contact-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.resource-help-callout{max-width:var(--max);background:linear-gradient(135deg, var(--ink), #174c82);color:var(--white);grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:28px;margin:0 auto 96px;padding:clamp(30px,5vw,54px);display:grid}.resource-help-callout h2{color:var(--white);font-size:clamp(2rem,3.8vw,3.35rem)}.resource-help-callout p:not(.eyebrow){color:#ffffffd1;max-width:720px;margin-top:18px}.resource-help-callout .eyebrow{color:#f3c778}.resource-help-actions{flex-direction:column;align-items:stretch;gap:12px;display:flex}.resource-help-actions .button-ghost{color:var(--white);border-color:#ffffff9e}@media (max-width:900px){.resource-link-grid,.resource-contact-grid,.government-contact-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.resource-help-callout{grid-template-columns:1fr}.resource-help-actions{flex-flow:wrap;align-items:flex-start}}@media (max-width:560px){.resource-sections{margin-top:42px;margin-bottom:64px}.resource-section{padding:38px 0}.resource-link-grid,.resource-contact-grid,.government-contact-grid{grid-template-columns:1fr}.resource-link,.resource-contact{min-height:0;padding:20px}.resource-help-callout{margin-bottom:64px;padding:28px 20px}.resource-help-actions,.resource-help-actions .button{width:100%}}.location-page-section{max-width:var(--max);margin:74px auto;padding-inline:clamp(18px,4vw,42px)}.location-page-actions{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.contact-slab .location-page-actions .button-ghost{color:var(--ink)}@media (max-width:900px){.location-page-section{margin:58px auto}.location-page-actions{flex-direction:column;align-items:stretch}}.cookie-consent{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fffdf8fa;box-shadow:0 10px 24px #08203e14}.cookie-consent-inner{max-width:var(--max);justify-content:space-between;align-items:center;gap:18px;margin:0 auto;padding:14px clamp(18px,4vw,42px);display:flex}.cookie-consent p{color:var(--ink-soft);margin:0;font-size:.94rem}.cookie-consent a{color:var(--gold-dark);text-underline-offset:3px;font-weight:800;text-decoration:underline;text-decoration-thickness:1px}.cookie-consent-actions{flex:none;gap:10px;display:flex}.cookie-consent-button{border:1px solid var(--ink);background:var(--white);min-width:94px;min-height:42px;color:var(--ink);cursor:pointer;font:inherit;border-radius:8px;padding:9px 16px;font-weight:800}.cookie-consent-button:hover{background:var(--blue-soft)}.cookie-consent-button:focus-visible{outline:3px solid var(--gold);outline-offset:2px}@media (max-width:700px){.cookie-consent-inner{flex-direction:column;align-items:stretch;gap:12px}.cookie-consent-actions{width:100%}.cookie-consent-button{flex:1 1 0}}.industry-grid,.insurance-group-grid{gap:18px;margin-top:34px;display:grid}.industry-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.insurance-group-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.insurance-group{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);padding:24px;box-shadow:0 10px 28px #071f4f0f}.insurance-group h3{font-size:1.25rem}.why-grid{grid-template-columns:repeat(auto-fit,minmax(205px,1fr))}@media (max-width:900px){.insurance-group-grid{grid-template-columns:1fr}}.footer-service-group+.footer-service-group{margin-top:16px}.footer-service-group h4{color:var(--gold-dark);margin:0;font-size:.86rem}.consulting-focus-card{min-height:112px}.hero-media{width:min(440px,100%)}@media (max-width:900px){.hero-media{width:min(310px,82vw)}}@media (max-width:700px){.cookie-consent-inner{flex-direction:row;align-items:center;gap:8px;padding:10px 12px}.cookie-consent p{flex:auto;font-size:.78rem;line-height:1.28}.cookie-consent-actions{gap:6px;width:auto}.cookie-consent-button{min-width:68px;min-height:36px;padding:7px 10px;font-size:.8rem}}