/* Layout: sunlit Miami agency — split hero with a "declarations page" card, coverage grid, steps, contact band */
:root{
  --bg:#f6f8fa; --surface:#ffffff; --ink:#10283a; --muted:#4d6273; --line:#d8e1e8;
  --brand:#0f4c6e; --brand-ink:#ffffff; --sun:#f0a92e; --sun-soft:#fdf1dc;
  --display:"Playfair Display", Georgia, "Times New Roman", serif;
  --body:Inter, "Segoe UI", system-ui, sans-serif;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0c1822; --surface:#13232f; --ink:#e8f0f5; --muted:#9fb3c2; --line:#24394a;
  --brand:#5fb3dc; --brand-ink:#08202e; --sun:#f3b649; --sun-soft:#2a2414; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0c1822; --surface:#13232f; --ink:#e8f0f5; --muted:#9fb3c2; --line:#24394a;
  --brand:#5fb3dc; --brand-ink:#08202e; --sun:#f3b649; --sun-soft:#2a2414; color-scheme:dark}
*{box-sizing:border-box}
body{background:var(--bg);color:var(--ink);font:400 16px/1.65 var(--body)}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--display);line-height:1.15;font-weight:600;text-wrap:balance;margin:0}
p{margin:0}
a{color:var(--brand)}
:focus-visible{outline:3px solid var(--sun);outline-offset:2px}
.eyebrow{font:600 13px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}

/* header */
header{border-bottom:1px solid var(--line);background:var(--surface)}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;font:600 19px/1.1 var(--display);color:var(--ink);text-decoration:none}
.logo svg{flex:none}
.logo small{display:block;font:600 12px/1.3 var(--body);color:var(--muted);letter-spacing:.02em}
.btn{display:inline-flex;align-items:center;gap:8px;font:600 16px/1 var(--body);padding:14px 22px;border-radius:999px;text-decoration:none;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--sun);color:#1b1405}
.btn-ghost{border-color:var(--brand);color:var(--brand);background:transparent}
.btn:hover{filter:brightness(1.05);transform:translateY(-1px)}

/* hero */
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-block:64px 56px}
.hero h1{font-size:clamp(2.2rem,4.6vw,3.3rem);font-weight:600;letter-spacing:-.01em}

.hero .lede{margin-top:18px;font-size:1.15rem;color:var(--muted);max-width:34em}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.chip{font:600 14px/1 var(--body);padding:8px 12px;border-radius:999px;background:var(--surface);border:1px solid var(--line)}

/* declarations card */
.dec{background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px -24px rgba(15,76,110,.45);overflow:hidden;min-width:0}
.dec-head{background:var(--brand);color:var(--brand-ink);padding:16px 20px;display:flex;justify-content:space-between;gap:12px;align-items:baseline}
.dec-head b{font:600 17px/1.2 var(--display)}
.dec-head span{font:600 12px/1 var(--body);letter-spacing:.1em;text-transform:uppercase;opacity:.85}
.dec dl{margin:0;padding:6px 20px 14px}
.dec dl div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px dashed var(--line)}
.dec dl div:last-child{border-bottom:0}
.dec dt{color:var(--muted)}
.dec dd{margin:0;font-weight:600;text-align:right}
.dec .stamp{margin:0 20px 20px;padding:12px 14px;border-radius:10px;background:var(--sun-soft);font-size:15px}

/* sections */
section{padding-block:64px}
.sec-head{display:grid;gap:10px;margin-bottom:32px;max-width:40em}
.sec-head h2{font-size:clamp(1.8rem,3.4vw,2.5rem);font-weight:700}
.sec-head p{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.cov{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:22px;display:grid;gap:8px;align-content:start;min-width:0}
.cov svg{width:34px;height:34px;color:var(--brand)}
.cov h3{font-size:1.25rem}
.cov p{color:var(--muted);font-size:16px}

.why{background:var(--surface);border-block:1px solid var(--line)}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:28px 48px}
.why-item{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start}
.why-item .ic{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--sun-soft);color:var(--ink);font:600 17px/1 var(--display)}
.why-item h3{font-size:1.15rem;margin-bottom:4px}
.why-item p{color:var(--muted)}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s}
.step{border-top:4px solid var(--brand);padding-top:16px;display:grid;gap:6px}
.step b{font:600 13px/1 var(--body);color:var(--brand);letter-spacing:.08em}
.step h3{font-size:1.2rem}
.step p{color:var(--muted)}

/* contact */
.contact{background:var(--brand);color:var(--brand-ink)}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.contact h2{font-size:clamp(1.8rem,3.4vw,2.5rem)}
.contact .info{display:grid;gap:18px;margin-top:20px}
.contact .info div{display:grid;gap:2px}
.contact .info span{font:600 12px/1 var(--body);letter-spacing:.12em;text-transform:uppercase;opacity:.8}
.contact .info strong{font-size:1.1rem;font-weight:600}
form{background:var(--surface);color:var(--ink);border-radius:14px;padding:24px;display:grid;gap:14px;min-width:0}
form h3{font-size:1.3rem}
label{display:grid;gap:6px;font-weight:600;font-size:15px}
input,select,textarea{font:400 16px/1.4 var(--body);padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:var(--bg);color:var(--ink);width:100%}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.ok{background:var(--sun-soft);border-radius:10px;padding:12px 14px;font-weight:600}
.consent{font-size:13px;color:var(--muted);font-weight:400}

.hdr-r{display:flex;align-items:center;gap:12px}
.lang{display:inline-flex;border:1px solid var(--line);border-radius:999px;padding:3px;background:var(--bg)}
.lang button{font:700 13px/1 var(--body);letter-spacing:.06em;border:0;background:transparent;color:var(--muted);padding:8px 12px;border-radius:999px;cursor:pointer}
.lang button[aria-pressed="true"]{background:var(--brand);color:var(--brand-ink)}
.team{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.agent{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:22px;display:grid;grid-template-columns:88px 1fr;gap:18px;align-items:start;min-width:0}
.av{width:88px;height:88px;border-radius:50%;object-fit:cover;border:4px solid var(--sun-soft);max-width:100%}
.agent h3{font-size:1.3rem}
.agent .role{font-weight:600;color:var(--brand);font-size:15px;margin:2px 0 8px}
.agent p{color:var(--muted)}
.legal{padding-block:48px;border-top:1px solid var(--line)}
.legal-body{display:grid;gap:12px;max-width:46em;color:var(--muted);font-size:16px}
.legal-body b{color:var(--ink)}
.consent a,.contact form a{color:var(--brand)}
footer{padding-block:28px;font-size:14px;color:var(--muted)}
footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

@media (max-width:860px){
  .hero .wrap,.contact .wrap{grid-template-columns:1fr}
  .grid,.steps{grid-template-columns:1fr 1fr}
  .why-grid{grid-template-columns:1fr}
}
@media (max-width:560px){
  .grid,.steps,.row2,.team{grid-template-columns:1fr}
  .hero .wrap{padding-block:40px}
  header .btn{display:none}
}
@media (prefers-reduced-motion:reduce){.btn:hover{transform:none}}

/* reset for standalone pages (same as the artifact skeleton) */
:root{padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
body{margin:0}
img{max-width:100%}
[hidden]{display:none!important}
/* navigation */
.nav{border-bottom:1px solid var(--line);background:var(--surface)}
.nav .wrap{display:flex;gap:4px;overflow-x:auto;padding-block:0;scrollbar-width:none}
.nav .wrap::-webkit-scrollbar{display:none}
.nav a{flex:none;font:600 15px/1 var(--body);color:var(--muted);text-decoration:none;padding:14px 12px;border-bottom:3px solid transparent}
.nav a:hover{color:var(--ink)}
.nav a[aria-current="page"]{color:var(--brand);border-bottom-color:var(--sun)}
header{border-bottom:0}
/* page hero */
.phero .wrap{padding-block:56px 40px;display:grid;gap:16px;max-width:1120px}
.phero h1{font-size:clamp(2rem,4.2vw,3rem);font-weight:600;letter-spacing:-.01em;max-width:18em}
.phero .lede{font-size:1.15rem;color:var(--muted);max-width:40em}
.phero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
.notice{display:flex;gap:14px;align-items:flex-start;background:var(--sun-soft);border-radius:12px;padding:16px 18px;max-width:46em;font-weight:600}
.notice svg{flex:none;width:24px;height:24px;color:var(--brand);margin-top:2px}
.cov a.more{font-weight:700;text-decoration:none;margin-top:6px}
a.cov{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
a.cov:hover{border-color:var(--brand);transform:translateY(-2px)}
a.cov .go{font:600 15px/1 var(--body);color:var(--brand);margin-top:6px}
.split{display:grid;grid-template-columns:1.3fr .7fr;gap:32px;align-items:start}
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.checklist li{display:grid;grid-template-columns:26px 1fr;gap:10px;align-items:start}
.checklist li::before{content:"";width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--sun-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f4c6e' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12 4 4 8-8'/%3E%3C/svg%3E") center/14px no-repeat}
.side{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:22px;display:grid;gap:14px;min-width:0}
.side h3{font-size:1.2rem}
.side .who{display:grid;grid-template-columns:52px 1fr;gap:12px;align-items:center}
.side .who img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.side .who b{display:block}
.side .who span{color:var(--muted);font-size:15px}
.cta-band{background:var(--brand);color:var(--brand-ink)}
.cta-band .wrap{padding-block:44px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-band h2{font-size:clamp(1.5rem,3vw,2.1rem)}
.cta-band p{opacity:.85;margin-top:6px}
.health-band{background:var(--sun-soft)}
.health-band .wrap{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
footer a{color:var(--muted)}
footer .links{display:flex;gap:14px;flex-wrap:wrap}
@media (max-width:860px){.split,.health-band .wrap{grid-template-columns:1fr}}

/* ===== Flyer look (matches the HealthSherpa client notice) ===== */
:root{
  --bg:#F7F5F0; --surface:#FFFFFF; --ink:#1C2524; --muted:#55615F; --line:#E4E1D8;
  --brand:#0F5E5A; --brand-ink:#FFFFFF; --brand-deep:#0A403D;
  --sun:#0F5E5A; --sun-soft:#E3EFEC;
  --band:#0F5E5A; --on-band:#FFFFFF; --band-label:#CFE5E2; --dark:#1C2524; --on-dark:#FFFFFF; --dark-muted:#C9D3D1;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0F1716; --surface:#172221; --ink:#E8EFED; --muted:#A5B4B1; --line:#25393A;
  --brand:#6CC3BA; --brand-ink:#06201E; --brand-deep:#9AD8D0;
  --sun:#6CC3BA; --sun-soft:#1C3331;
  --band:#0D4A47; --on-band:#FFFFFF; --band-label:#BFE0DB; --dark:#0A1110; --on-dark:#FFFFFF; --dark-muted:#AEBDBA; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0F1716; --surface:#172221; --ink:#E8EFED; --muted:#A5B4B1; --line:#25393A;
  --brand:#6CC3BA; --brand-ink:#06201E; --brand-deep:#9AD8D0;
  --sun:#6CC3BA; --sun-soft:#1C3331;
  --band:#0D4A47; --on-band:#FFFFFF; --band-label:#BFE0DB; --dark:#0A1110; --on-dark:#FFFFFF; --dark-muted:#AEBDBA; color-scheme:dark}

h1,h2,h3{font-weight:700;letter-spacing:0}
.eyebrow{font:600 13px/1.2 var(--body);letter-spacing:.18em;color:var(--brand)}
.btn{border-radius:999px;font-weight:600}
.btn-primary{background:var(--brand);color:var(--brand-ink)}
.btn-ghost{border-color:var(--brand);color:var(--brand)}
.logo svg path:first-child{fill:var(--brand)}
.logo svg path:last-child{fill:var(--sun-soft)}
.nav a[aria-current="page"]{color:var(--brand);border-bottom-color:var(--brand)}

/* teal header band, like the flyer's top */
.hero,.phero{background:var(--band);color:var(--on-band)}
.hero .eyebrow,.phero .eyebrow{color:var(--band-label)}
.hero h1 em{font-style:italic;color:var(--band-label);background:none}
.hero .lede,.phero .lede{color:var(--band-label)}
.hero .btn-primary,.phero .btn-primary{background:#FFFFFF;color:#0F5E5A}
.hero .btn-ghost,.phero .btn-ghost{border-color:rgba(255,255,255,.7);color:#FFFFFF}
.chip{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.25);color:var(--on-band)}
.phero .notice{background:rgba(255,255,255,.12);color:var(--on-band)}
.phero .notice svg{color:var(--band-label)}

/* white rounded cards on cream, no hard borders */
.cov,.side,.agent{border:0;border-radius:22px;box-shadow:0 1px 2px rgba(28,37,36,.06)}
.dec{border:0;border-radius:22px;box-shadow:0 20px 44px -24px rgba(0,0,0,.45)}
.dec-head{background:var(--dark);color:var(--on-dark)}
.dec .stamp{background:var(--sun-soft);color:var(--brand-deep);font-weight:600}
.dec .stamp i{font-family:var(--display);font-size:1.05rem}
.cov svg{color:var(--brand)}
.av,.side .who img{border:5px solid var(--sun-soft)}
.why{background:var(--bg);border:0}
.why-item .ic{background:var(--sun-soft);color:var(--brand-deep)}
.notice{background:var(--sun-soft);color:var(--brand-deep)}
.health-band{background:var(--sun-soft)}
.health-band h2{color:var(--brand-deep)}
.step{border-top-color:var(--brand)}
.step b{color:var(--brand)}
.checklist li::before{background-color:var(--sun-soft)}
.contact,.cta-band{background:var(--band);color:var(--on-band)}
.cta-band .btn-primary,.contact .btn-primary{background:#FFFFFF;color:#0F5E5A}
.contact form .btn-primary{background:var(--brand);color:var(--brand-ink)}
.contact h2,.contact h1,.cta-band h2{color:var(--on-band)}
.sign{font-family:var(--display);font-style:italic;font-weight:600}

/* dark footer, like the flyer's bottom bar */
footer{background:var(--dark);color:var(--dark-muted);padding-block:34px}
footer a{color:var(--on-dark)}

/* ===== Marketplace blues (HealthCare.gov-style palette) ===== */
:root{
  --bg:#F5F8FB; --surface:#FFFFFF; --ink:#112E51; --muted:#4A5A6E; --line:#DCE4EC;
  --brand:#0071BC; --brand-ink:#FFFFFF; --brand-deep:#112E51;
  --sun:#0071BC; --sun-soft:#E1F3F8;
  --band:#112E51; --on-band:#FFFFFF; --band-label:#9BDAF1; --dark:#0B1F38; --on-dark:#FFFFFF; --dark-muted:#B7C4D4;
  --gold:#F9C642; --on-gold:#112E51;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0B1624; --surface:#122236; --ink:#E6EEF6; --muted:#A3B3C6; --line:#22364F;
  --brand:#5CB3F0; --brand-ink:#061A2E; --brand-deep:#A9D8F7;
  --sun:#5CB3F0; --sun-soft:#14304A;
  --band:#0E2A4B; --on-band:#FFFFFF; --band-label:#9BDAF1; --dark:#07111D; --on-dark:#FFFFFF; --dark-muted:#A3B3C6;
  --gold:#F9C642; --on-gold:#112E51; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0B1624; --surface:#122236; --ink:#E6EEF6; --muted:#A3B3C6; --line:#22364F;
  --brand:#5CB3F0; --brand-ink:#061A2E; --brand-deep:#A9D8F7;
  --sun:#5CB3F0; --sun-soft:#14304A;
  --band:#0E2A4B; --on-band:#FFFFFF; --band-label:#9BDAF1; --dark:#07111D; --on-dark:#FFFFFF; --dark-muted:#A3B3C6;
  --gold:#F9C642; --on-gold:#112E51; color-scheme:dark}
.hero .btn-primary,.phero .btn-primary,.cta-band .btn-primary,header .btn-primary{background:var(--gold);color:var(--on-gold)}
.hero .btn-ghost,.phero .btn-ghost{border-color:rgba(255,255,255,.75);color:#FFFFFF}
.health-band{background:var(--sun-soft);border-top:4px solid var(--gold)}
.dec-head{background:var(--brand);color:#FFFFFF}
.contact .btn-primary,.contact form .btn-primary{background:var(--brand);color:var(--brand-ink)}
.logo svg path:last-child{fill:var(--gold)}
.disclaim{flex-basis:100%;font-size:13px;color:var(--dark-muted)}

/* ===== contrast fixes ===== */
:root{--head:#005A9C}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){--head:#1B5E93}}
:root[data-theme="dark"]{--head:#1B5E93}
.dec{color:var(--ink)}
.dec-head{background:var(--head);color:#FFFFFF}
.dec-head span{opacity:1;color:#FFFFFF}
.health-band .eyebrow{color:var(--brand-deep)}
.contact form,.contact form h2,.contact form label{color:var(--ink)}

/* legal pages */
.legal-body{gap:14px;color:var(--ink);font-size:16.5px;line-height:1.7}
.legal-body h2{font-size:1.4rem;margin-top:22px;color:var(--brand-deep)}
.legal-body ul{margin:0;padding-left:1.3em;display:grid;gap:8px}
.legal-body a{color:var(--brand)}
.legal-box{background:var(--sun-soft);border-radius:16px;padding:20px 22px;display:grid;gap:10px}
.phero .lede{font-size:1rem}
.legal-box a{color:var(--brand-deep)}
footer span{overflow-wrap:anywhere;min-width:0}