:root{
  /* palette sampled from the original Real McCoy logo */
  --maroon:#7f0d0d; --maroon-2:#640a0a; --espresso:#2b0f0c;
  --lime:#4cc928; --lime-2:#66d646; --sky:#3adef4; --brown:#7f3d01;
  --cream:#fbf7f2; --paper:#ffffff; --sand:#f3e9e1;
  --ink:#2a1d1b; --muted:#5e4a46; --line:#eadbd2;
  --green:#3a9e1f; --red:#b03a2e;
  --r:18px; --shadow:0 18px 50px -20px rgba(43,15,12,.3);
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font:400 19px/1.65 var(--sans)}
img,video{max-width:100%;display:block}
a{color:var(--maroon)}
h1,h2,h3{font-family:var(--serif);color:var(--espresso);line-height:1.12;margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2.4rem,5.4vw,4.1rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.8rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
.wrap{width:min(1180px,100% - 32px);margin-inline:auto}
.eyebrow{display:inline-block;font:700 .78rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--brown);margin-bottom:14px}
.lead{font-size:1.18rem;color:var(--muted);max-width:62ch}
.center{text-align:center}.center .lead{margin-inline:auto}
section{padding:96px 0}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:10px 16px;border-radius:8px}
:focus-visible{outline:3px solid var(--lime);outline-offset:3px}

/* ---------- announcement ---------- */
.alert{background:var(--espresso);color:#fff;font-size:.95rem;text-align:center;padding:10px 16px}
.alert strong{color:var(--sky)}
.alert a{color:#fff;font-weight:700}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:40;background:rgba(250,246,238,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;gap:24px;min-height:84px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--espresso)}
.brand img{width:52px;height:52px;border-radius:8px}
.brand b{font:700 1.15rem/1.1 var(--serif);display:block}
.brand small{font-size:.78rem;color:var(--muted);letter-spacing:.04em}
.nav{display:flex;gap:26px;margin-left:auto}
.nav a{text-decoration:none;font-weight:600;font-size:.98rem;color:var(--ink)}
.nav a:hover{color:var(--brown)}
.menu-btn{display:none;margin-left:auto;background:none;border:2px solid var(--maroon);border-radius:10px;padding:8px 14px;font:700 1rem var(--sans);color:var(--maroon)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:60px;padding:14px 28px;border-radius:999px;font:700 1.08rem/1.2 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn-lime{background:var(--lime);color:var(--espresso);box-shadow:0 12px 30px -12px rgba(76,201,40,.6)}
.btn-lime:hover{background:var(--lime-2)}
.btn-maroon{background:var(--maroon);color:#fff}
.btn-maroon:hover{background:var(--maroon-2)}
.btn-ghost{border-color:var(--maroon);color:var(--maroon);background:transparent}
.btn-ghost:hover{background:var(--maroon);color:#fff}
.btn svg{width:22px;height:22px;flex:none}
/* call button with the "Free Consultation" tag */
.call{position:relative;flex-direction:column;gap:2px;padding-top:18px}
.call .tag{position:absolute;top:-12px;left:50%;transform:translateX(-50%);white-space:nowrap;background:var(--maroon);color:#fff;font:800 .68rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;padding:6px 10px;border-radius:999px;box-shadow:0 4px 12px -4px rgba(0,0,0,.35)}
.call .row{display:inline-flex;align-items:center;gap:10px}
.head-call{min-height:52px;padding:14px 20px 10px;font-size:1rem}

/* ---------- hero ---------- */
.hero{padding:72px 0 88px;background:
  radial-gradient(900px 500px at 85% 10%,rgba(58,222,244,.16),transparent 60%),
  linear-gradient(180deg,var(--cream),var(--sand))}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1 em{font-style:normal;color:var(--maroon);position:relative;white-space:nowrap}
.hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:.06em;height:.14em;background:var(--sky);opacity:.55;border-radius:4px;z-index:-1}
.hero .lead{font-size:1.22rem;color:#3d2b28;margin-bottom:34px}
.cta-row{display:flex;flex-wrap:wrap;gap:18px 16px;align-items:center}
.fine{margin-top:22px;font-size:.98rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px 14px}
.fine span{display:inline-flex;align-items:center;gap:6px}
.fine span::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--lime)}
.portrait{position:relative}
.portrait img{border-radius:28px;box-shadow:var(--shadow);aspect-ratio:4/5;object-fit:cover;object-position:50% 30%;width:100%;height:auto;transition:transform 1.6s cubic-bezier(.2,.7,.2,1),box-shadow 1.6s ease}
@media (hover:hover){.portrait:hover img{transform:scale(1.035);box-shadow:0 34px 70px -26px rgba(43,15,12,.45)}}
.portrait .badge{position:absolute;left:-22px;bottom:28px;background:#fff;border-radius:16px;padding:14px 18px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center}
.portrait .badge b{font:700 2rem/1 var(--serif);color:var(--maroon)}
.portrait .badge span{font-size:.88rem;line-height:1.3;color:var(--muted)}
.portrait .badge2{left:auto;right:-18px;bottom:auto;top:26px}
.portrait-logo{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.portrait-logo img{aspect-ratio:1;object-fit:contain;background:#fff;padding:7%;border:1px solid var(--line)}
.portrait-logo .badge,.portrait-logo .badge2{position:static;flex:1 1 200px}

/* ---------- stats ---------- */
.stats{background:var(--maroon);color:#fff;padding:34px 0}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.stats b{display:block;font:700 2.1rem/1.1 var(--serif);color:var(--sky)}
.stats span{font-size:.95rem;opacity:.9}

/* ---------- cards ---------- */
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 1px 0 rgba(0,0,0,.02)}
.card h3{margin-bottom:.35em}
.card p{color:var(--muted);font-size:1rem;margin:0}
.icon{width:54px;height:54px;border-radius:14px;background:var(--sand);display:grid;place-items:center;margin-bottom:16px;color:var(--maroon)}
.icon svg{width:28px;height:28px}

/* ---------- checklist (home teaser + AEP page) ---------- */
.aep{background:var(--paper);border-block:1px solid var(--line)}
.aep .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.aep .wrap>div:first-child{position:sticky;top:110px}
.deadline{display:inline-flex;align-items:center;gap:10px;background:#fdf1ef;color:var(--red);border:1px solid #f1c9c3;border-radius:999px;padding:8px 16px;font-weight:700;font-size:.95rem;margin-bottom:20px}
.deadline i{width:10px;height:10px;border-radius:50%;background:var(--red);animation:pulse 1.6s infinite}
@keyframes pulse{50%{opacity:.25}}
.steps{list-style:none;margin:0;padding:0;counter-reset:s}
.steps li{counter-increment:s;display:grid;grid-template-columns:56px 1fr;gap:18px;padding:20px 0;border-bottom:1px solid var(--line)}
.steps li:last-child{border-bottom:0}
.steps li::before{content:counter(s);width:48px;height:48px;border-radius:50%;background:var(--maroon);color:var(--sky);display:grid;place-items:center;font:700 1.3rem var(--serif)}
.steps h3{font-size:1.18rem;margin:.35em 0 .25em}
.steps p{margin:0;color:var(--muted);font-size:1rem}
/* interactive variant */
.check li{grid-template-columns:56px 1fr;cursor:pointer}
.check li::before{content:"";border:3px solid var(--maroon);background:#fff;transition:.15s}
.check li.done::before{content:"✓";background:var(--green);border-color:var(--green);color:#fff;font:800 1.4rem var(--sans)}
.check li.done h3{text-decoration:line-through;text-decoration-color:var(--lime);color:var(--muted)}
.progress{height:12px;background:var(--sand);border-radius:99px;overflow:hidden;margin:6px 0 4px}
.progress i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--sky),var(--lime));transition:width .3s}
.pdf-card{display:flex;gap:18px;align-items:center;background:var(--cream);border:1px dashed var(--lime);border-radius:var(--r);padding:20px;margin-top:26px}
.pdf-card svg{width:46px;height:46px;flex:none;color:var(--red)}
.pdf-card b{display:block;color:var(--espresso)}
.pdf-card span{font-size:.95rem;color:var(--muted)}

/* ---------- veterans ---------- */
.vets{background:linear-gradient(180deg,var(--espresso),var(--maroon));color:#f7ebe8;position:relative;overflow:hidden}
.vets::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,rgba(255,255,255,.025) 0 2px,transparent 2px 22px)}
.vets .wrap{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.vets h2{color:#fff}
.vets .eyebrow{color:var(--sky)}
.vets .lead{color:#f0d9d4}
.video-frame{position:relative;border-radius:22px;overflow:hidden;box-shadow:0 30px 70px -25px rgba(0,0,0,.7);border:3px solid rgba(58,222,244,.5);background:#000;aspect-ratio:16/9}
.video-frame video{width:100%;height:100%;object-fit:cover}
.video-frame .play{position:absolute;inset:0;display:grid;place-items:center;background:linear-gradient(180deg,transparent 40%,rgba(0,0,0,.55));border:0;cursor:pointer;color:#fff;font:700 1.05rem var(--sans)}
.video-frame .play span{display:flex;align-items:center;gap:14px;background:var(--lime);color:var(--espresso);padding:16px 26px;border-radius:999px;box-shadow:0 10px 30px rgba(0,0,0,.4)}
.video-frame .play svg{width:26px;height:26px}
.video-frame.playing .play{display:none}
.video-cap{margin-top:14px;font-size:.92rem;color:#dcbcb6;display:flex;align-items:center;gap:10px}
.vet-list{list-style:none;padding:0;margin:0 0 30px;display:grid;gap:14px}
.vet-list li{display:flex;gap:14px;align-items:flex-start;font-size:1.05rem}
.vet-list li::before{content:"★";color:var(--sky);font-size:1.15rem;line-height:1.5}
.vets .btn-ghost{border-color:#fff;color:#fff}
.vets .btn-ghost:hover{background:#fff;color:var(--maroon)}

/* ---------- how it works ---------- */
.how .card{position:relative;padding-top:40px}
.how .num{position:absolute;top:-22px;left:28px;width:46px;height:46px;border-radius:50%;background:var(--lime);color:var(--espresso);display:grid;place-items:center;font:700 1.25rem var(--serif);box-shadow:0 8px 20px -8px rgba(76,201,40,.6)}

/* ---------- carriers ---------- */
.carriers{padding:56px 0;background:var(--paper);border-block:1px solid var(--line)}
.logos{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:26px 46px;margin-top:22px}
.logos img{height:46px;width:auto;object-fit:contain;filter:grayscale(1);opacity:.75;transition:.2s;mix-blend-mode:multiply}
.logos img:hover{filter:none;opacity:1}

/* ---------- about ---------- */
.about .wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:center}
/* Meet Greg photo: crossfades to Greg & his wife on hover/focus/tap, with a slow subtle zoom */
.photo-swap{position:relative;margin:0;aspect-ratio:4/5;border-radius:24px;box-shadow:var(--shadow);cursor:pointer;transition:transform 1.6s cubic-bezier(.2,.7,.2,1),box-shadow 1.6s ease}
.photo-swap img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 30%;border-radius:inherit;transition:opacity 1.2s ease}
.photo-swap .alt{opacity:0;object-position:45% 45%}
.photo-swap figcaption{position:absolute;left:18px;bottom:18px;background:rgba(255,255,255,.94);color:var(--maroon);font:700 .9rem var(--sans);padding:8px 14px;border-radius:999px;opacity:0;transform:translateY(6px);transition:opacity .8s ease .4s,transform .8s ease .4s}
.photo-swap:focus-visible .alt,.photo-swap.swapped .alt,
.photo-swap:focus-visible figcaption,.photo-swap.swapped figcaption{opacity:1;transform:none}

/* Licensed states map */
.stats a{color:inherit;text-decoration:none;display:block}
.stats a:hover b{text-decoration:underline}
.licensed{background:var(--cream)}
.licensed .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.states-row{display:grid;grid-template-columns:1fr 300px;gap:24px;align-items:center}
.state-chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.state-chips li{background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--maroon);border-radius:999px;padding:6px 14px;font-weight:600;font-size:.92rem;color:var(--espresso)}
.map-card{margin:0;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:12px 12px 10px;box-shadow:var(--shadow)}
.us-map{width:100%;height:auto;display:block}
.us-map .off{fill:#e9ddd5;stroke:#fff;stroke-width:.8}
.us-map .on{fill:var(--maroon);stroke:#fff;stroke-width:.8}
.us-map .dc{fill:var(--lime);stroke:#fff;stroke-width:1.5}
.map-card figcaption{display:flex;align-items:center;gap:8px;font-size:.82rem;color:var(--muted);margin-top:4px}
.map-card figcaption i{width:14px;height:14px;border-radius:3px;background:var(--maroon);display:inline-block}
.stats .stat-cap{display:block;font:700 .72rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#fff;opacity:.85;margin:4px 0 6px}

/* Medicare made simple */
.learn{background:var(--paper);border-block:1px solid var(--line)}
.learn-feature{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;margin-bottom:64px}
.learn-feature p{color:var(--muted)}
.learn-feature .video-frame{border-color:var(--maroon)}
.learn-feature .video-cap{color:var(--muted)}
.learn-cards .card{display:flex;flex-direction:column;gap:.7em}
.learn-cards .card .eyebrow{margin-bottom:0}
.learn-cards .card h3{font-size:1.3rem}
.learn-cards .more{margin-top:auto;font-weight:700;color:var(--maroon)}
.help-column{margin-top:64px;background:linear-gradient(180deg,var(--espresso),var(--maroon));color:#f7ebe8;border-radius:28px;padding:48px;display:grid;grid-template-columns:.85fr 1.15fr;gap:48px}
.help-column h2{color:#fff}
.help-column .eyebrow{color:var(--sky)}
.help-column .lead{color:#f0d9d4}
.help-column dl{margin:0;display:grid;gap:18px}
.help-column dl>div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:20px 22px}
.help-column dt{font:700 1.2rem var(--serif);color:#fff;margin-bottom:6px}
.help-column dt small{font:700 .7rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;background:var(--lime);color:var(--espresso);border-radius:999px;padding:4px 9px;margin-left:8px;vertical-align:middle}
.help-column dd{margin:0;font-size:1rem;color:#f0d9d4}
.help-column a{color:var(--sky);font-weight:700}
.help-foot{grid-column:1/-1;margin:0;padding-top:20px;border-top:1px solid rgba(255,255,255,.18);font-size:1.05rem}

@media (hover:hover){
  .photo-swap:hover{transform:scale(1.035);box-shadow:0 34px 70px -26px rgba(43,15,12,.45)}
  .photo-swap:hover .alt,.photo-swap:hover figcaption{opacity:1;transform:none}
}
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.pillars div{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px}
.pillars b{display:block;font-family:var(--serif);color:var(--maroon);font-size:1.1rem;margin-bottom:4px}
.pillars span{font-size:.93rem;color:var(--muted);line-height:1.5;display:block}

/* ---------- FAQ ---------- */
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:14px;margin-bottom:14px;padding:0 24px}
.faq summary{cursor:pointer;list-style:none;padding:22px 0;font:700 1.12rem/1.35 var(--sans);color:var(--espresso);display:flex;justify-content:space-between;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font:400 1.8rem/1 var(--sans);color:var(--brown);transition:.2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);font-size:1.02rem;padding-bottom:20px;margin:0}

/* ---------- final CTA / form ---------- */
.final{background:var(--sand)}
.final .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.form{background:var(--paper);border-radius:24px;padding:34px;box-shadow:var(--shadow);border:1px solid var(--line)}
.form h3{font-size:1.6rem}
.form label{display:block;font-weight:700;font-size:.98rem;margin:16px 0 6px;color:var(--espresso)}
.form input,.form select,.form textarea{width:100%;min-height:56px;border:2px solid var(--line);border-radius:12px;padding:12px 16px;font:400 1.05rem var(--sans);color:var(--ink);background:#fff}
.form textarea{min-height:96px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{border-color:var(--lime);outline:none}
.form .two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form .btn{width:100%;margin-top:22px}
.form .note{font-size:.85rem;color:var(--muted);margin:14px 0 0;line-height:1.5}
.form .ok{display:none;text-align:center;padding:30px 0}
.form.sent .ok{display:block}.form.sent form{display:none}
.big-phone{font:700 clamp(2rem,4vw,2.8rem)/1 var(--serif);color:var(--maroon);text-decoration:none;display:inline-block;margin:6px 0 18px}
.hours{list-style:none;padding:0;margin:20px 0 0;color:var(--muted);font-size:1rem}
.hours li{padding:6px 0;border-bottom:1px dashed var(--line);display:flex;justify-content:space-between;max-width:420px}

/* ---------- footer ---------- */
footer{background:var(--espresso);color:#e3ccc7;padding:60px 0 120px;font-size:.95rem}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:36px}
footer h4{color:#fff;font:700 1.05rem var(--serif);margin:0 0 12px}
footer a{color:#f6e8e5;text-decoration:none}
footer a:hover{color:var(--sky)}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.84rem;line-height:1.6;color:#c9a7a1}

/* ---------- sticky mobile call bar ---------- */
.callbar{display:none}

/* ---------- page hero (AEP page) ---------- */
.page-hero{padding:64px 0 56px;background:linear-gradient(180deg,var(--cream),var(--sand));border-bottom:1px solid var(--line)}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}.portrait:hover img,.photo-swap:hover{transform:none}.deadline i{animation:none}html{scroll-behavior:auto}}

/* ---------- responsive ---------- */
@media (max-width:1020px){
  .nav{display:none}
  .menu-btn{display:block}
  .nav.open{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;background:var(--cream);border-bottom:1px solid var(--line);padding:8px 16px 16px}
  .nav.open a{padding:14px 4px;border-bottom:1px solid var(--line);font-size:1.1rem}
  .head-call{display:none}
  .hero .wrap,.aep .wrap,.vets .wrap,.about .wrap,.final .wrap,.licensed .wrap,.learn-feature,.help-column{grid-template-columns:1fr;gap:40px}
  .licensed .wrap{gap:28px}
  .learn-cards{grid-template-columns:1fr}
  .portrait{max-width:440px;margin-inline:auto}
  .aep .wrap>div:first-child{position:static}
  .g3,.g4{grid-template-columns:1fr 1fr}
  .stats .wrap{grid-template-columns:1fr 1fr;row-gap:26px}
  footer .cols{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  body{font-size:18px}
  section{padding:68px 0}
  .hero{padding:44px 0 64px}
  .g3,.g4,.pillars,.form .two{grid-template-columns:1fr}
  .hero h1 em{white-space:normal}
  .portrait{max-width:340px}
  .cta-row .btn{width:100%}
  .portrait .badge{left:8px}.portrait .badge2{right:8px}
  .portrait-logo .badge,.portrait-logo .badge2{left:auto;right:auto}
  footer .cols{grid-template-columns:1fr}
  .form{padding:24px}
  .help-column{padding:28px 20px;border-radius:22px}
  .states-row{grid-template-columns:1fr}
  .map-card{max-width:320px;width:100%;margin-inline:auto}
  .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(43,15,12,.97);box-shadow:0 -10px 30px rgba(0,0,0,.25)}
  .callbar a{flex:1;min-height:58px;font-size:1rem;padding:16px 10px 8px}
  .callbar .tag{top:-10px}
}