@font-face{font-family:system-fallback;src:local(Arial)}:root{--navy:#092b41;--teal:#006b68;--lime:#d7f17b;--ink:#183444;--muted:#536775;--line:#d8e2e7;--wash:#f1f6f8;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:white}a{color:var(--teal);text-decoration-thickness:1px;text-underline-offset:4px}a:hover{color:var(--navy)}button,input,textarea,select{font:inherit}button,a,input,textarea,summary{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #d29600;outline-offset:5px}.wrap{width:min(1180px,calc(100% - 48px));margin:auto}.skip{position:absolute;top:-100px;left:16px;z-index:20;background:white;padding:10px}.skip:focus{top:10px}.topbar{background:var(--navy);color:white;text-align:center;padding:8px 16px;font-size:.875rem}.topbar a{color:var(--lime)}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;justify-content:space-between;align-items:center;gap:24px;min-height:84px}.brand{display:flex;align-items:center;gap:12px;color:var(--navy);text-decoration:none;font-weight:800;font-size:1.15rem;line-height:1.2}.brand-icon{display:grid;place-items:center;background:var(--teal);color:white;width:42px;height:42px;border-radius:50%;font:700 27px Georgia}.brand small{display:block;font-size:.78rem;font-weight:400;color:var(--muted);margin-top:5px}.navlinks{display:flex;gap:26px;align-items:center}.navlinks a{text-decoration:none;color:var(--ink);font-size:.9375rem}.navlinks a[aria-current=page]{text-decoration:underline;text-underline-offset:8px}.button,.navlinks .button{display:inline-flex;align-items:center;justify-content:center;background:var(--teal);color:#fff;border:0;border-radius:7px;padding:13px 22px;font-weight:700;text-decoration:none;cursor:pointer;min-height:48px;line-height:1.3}.button:hover{background:var(--navy);color:white}.button.light{background:var(--lime);color:var(--navy)}.button.outline{background:white;color:var(--teal);border:1px solid var(--teal)}.eyebrow{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--teal)}h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.025em}h1{font-size:clamp(2.3rem,4.2vw,3.7rem);margin:18px 0 24px;max-width:880px}h2{font-size:clamp(1.8rem,2.5vw,2.5rem);margin:12px 0 20px}h3{font-size:1.2rem;margin:12px 0}.hero{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;padding-top:68px;padding-bottom:70px;align-items:center}.hero p{font-size:1.15rem;max-width:560px}.hero figure{position:relative;margin:0}.hero img{width:100%;height:auto;aspect-ratio:4/4.2;object-fit:cover;border-radius:80px 8px 8px 8px;background:var(--wash)}.image-note{background:white;border:1px solid var(--line);padding:18px 23px;position:absolute;bottom:24px;left:-28px;max-width:330px;border-radius:8px;box-shadow:0 10px 25px #092b4110}.image-note strong{display:block;color:var(--navy)}.image-note span{font-size:.9rem;color:var(--muted)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:26px 0}.meta{color:var(--muted);font-size:.875rem}.hero .meta{border-top:1px solid var(--line);padding-top:20px;margin-top:26px}.band{background:var(--wash);padding:64px 0}.section{padding:64px 0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:28px}.section-head p{max-width:540px;color:var(--muted)}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.program{background:white;border:1px solid var(--line);padding:34px;border-top:5px solid var(--teal);border-radius:8px}.program.medicare{border-top-color:var(--navy)}.program p{color:var(--muted)}.tag{display:inline-block;background:#e4f2ef;color:var(--teal);font-size:.78rem;font-weight:700;padding:4px 9px;border-radius:3px}.card{border:1px solid var(--line);border-radius:8px;background:white;padding:24px;display:flex;flex-direction:column;gap:8px}.card h3{font-size:1.17rem;line-height:1.35;margin:5px 0}.card h3 a{text-decoration:none;color:var(--navy)}.card p{font-size:.9375rem;color:var(--muted);margin:0 0 12px}.card .read{margin-top:auto;font-weight:700;font-size:.9rem}.step-list{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:34px}.step{border-top:1px solid var(--line);padding-top:24px}.step:before{counter-increment:step;content:'0'counter(step);font-size:2rem;font-weight:700;color:var(--teal)}.cta{background:var(--navy);color:white;border-radius:12px;padding:40px 44px;display:flex;justify-content:space-between;align-items:center;gap:28px}.cta h2{color:white;font-size:1.9rem;margin:0 0 12px}.cta p{color:#d9e6ed;margin:0;max-width:660px}.cta .button{white-space:nowrap}.crumb{font-size:.875rem;color:var(--muted);margin:24px 0}.crumb a{color:var(--muted)}.article-top{background:var(--wash);padding:8px 0 40px}.article-top h1{font-size:clamp(2rem,3.4vw,3.2rem);max-width:960px}.lead{font-size:1.17rem;max-width:870px;line-height:1.65}.article-layout{display:grid;grid-template-columns:minmax(0,770px) 290px;gap:72px;padding-top:48px;padding-bottom:60px}.prose p{margin:0 0 22px}.prose h2{font-size:1.55rem;line-height:1.3;margin:38px 0 18px}.prose h2:first-child{margin-top:0}.prose li{margin:12px 0}.prose ul,.prose ol{padding-left:23px}.callout{border-left:4px solid var(--teal);background:var(--wash);padding:24px;margin:28px 0}.callout p:last-child{margin:0}.sidebar{align-self:start;position:sticky;top:110px;border:1px solid var(--line);border-radius:8px;padding:24px;font-size:.94rem}.sidebar h2{font-size:1.15rem}.sidebar a:not(.button){display:block;margin:14px 0}.sidebar .button{margin-top:18px;width:100%}.source{border-top:1px solid var(--line);padding-top:24px;margin-top:35px;font-size:.875rem;color:var(--muted)}.source a{overflow-wrap:anywhere}.library-head{padding:38px 0 40px}.library-head h1{margin-bottom:16px}.searchbox{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 14px}.searchbox input{border:1px solid #97aebd;border-radius:6px;padding:14px 16px;flex:1;min-width:220px}.filters{display:flex;flex-wrap:wrap;gap:10px}.filter{border:1px solid var(--line);background:white;color:var(--ink);padding:10px 16px;border-radius:6px;cursor:pointer;min-height:44px}.filter[aria-pressed=true]{background:var(--navy);color:white;border-color:var(--navy)}[hidden]{display:none!important}.empty{border:1px solid var(--line);padding:32px;border-radius:8px}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding-right:24px}.faq details p{margin-top:18px}.consult{display:grid;grid-template-columns:1.3fr .8fr;gap:50px;margin:40px auto 70px}.panel{background:var(--wash);border:1px solid var(--line);padding:30px;border-radius:10px}.panel h2{font-size:1.45rem}.panel label{display:block;font-weight:700;margin:22px 0 10px}.panel select,.panel textarea{width:100%;border:1px solid #94aab8;border-radius:5px;padding:14px;background:white;color:var(--ink)}.panel textarea{min-height:250px;resize:vertical}.status{min-height:28px;color:var(--teal);font-weight:700}.footer{background:#071f30;color:#dae5eb;padding:48px 0 100px;font-size:.875rem}.footer h3{color:white;font-size:1rem}.footer a{color:#e7f3f7}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}.footer ul{list-style:none;padding:0}.footer li{margin:12px 0}.footer .legal{border-top:1px solid #ffffff30;margin-top:30px;padding-top:24px;max-width:1000px}.mobile-cta{display:none}.number{font-size:3rem;color:var(--teal);font-weight:800;line-height:1}.read-note{max-width:900px;font-size:.875rem;color:var(--muted)}@media(max-width:960px){.navlinks{gap:16px}.navlinks .button{display:none}.hero{gap:35px}.article-layout{gap:30px;grid-template-columns:minmax(0,1fr) 240px}.grid3{grid-template-columns:repeat(2,1fr)}.consult{gap:24px}}@media(max-width:700px){.wrap{width:calc(100% - 36px)}body{font-size:16px}.nav{min-height:80px;align-items:flex-start;padding:14px 0;flex-direction:column;gap:15px}.navlinks{width:100%;justify-content:space-between;gap:8px}.brand{font-size:1.05rem}.navlinks a{font-size:.875rem}.topbar{font-size:.8rem}.hero{grid-template-columns:1fr;gap:35px;padding:38px 0 48px}.hero h1{font-size:2.6rem}.hero p{font-size:1.05rem}.hero img{aspect-ratio:4/3;border-radius:40px 7px 7px 7px}.image-note{left:12px;bottom:12px;padding:14px;max-width:280px}.band,.section{padding:42px 0}.section-head{display:block}.grid2,.grid3,.step-list,.consult,.footergrid{grid-template-columns:1fr}.program{padding:25px}.cta{padding:30px 24px;display:block}.cta .button{margin-top:22px;width:100%}.article-layout{grid-template-columns:1fr;padding-top:32px;gap:32px}.sidebar{position:static}.article-top h1{font-size:2.1rem}.lead{font-size:1.075rem}.mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;padding:10px 18px;background:#fff;border-top:1px solid var(--line);z-index:15}.mobile-cta .button{width:100%;min-height:44px}.panel{padding:24px}.consult{margin-top:25px}.footer{padding-bottom:110px}.searchbox input{min-width:0;width:100%}.hero .actions .button{flex:1}.step-list{gap:18px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}