/* Medicare Senior. Static, no motion: the audience is 65+ (and their adult children). */
@font-face{font-family:"AHN";src:url(/static/fonts/ahn-400-normal.woff2) format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"AHN";src:url(/static/fonts/ahn-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"AHN";src:url(/static/fonts/ahn-700-normal.woff2) format("woff2");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"AHN";src:url(/static/fonts/ahn-800-normal.woff2) format("woff2");font-weight:800;font-style:normal;font-display:swap}

:root{
  --bg:#f6f8f6; --surface:#ffffff; --ink:#15201b; --muted:#43504a; --line:#d3dbd6;
  --accent:#1c5b45; --accent-ink:#ffffff; --accent-soft:#e2eee8; --accent-line:#a9cbbb;
  --warn-bg:#fff3d4; --warn-line:#c98a12; --focus:#0b57d0;
  --radius:12px; --wrap:1180px; --read:44rem;
  color-scheme:light dark;
}
@media (prefers-color-scheme:dark){:root{
  --bg:#111815; --surface:#18211d; --ink:#edf2ef; --muted:#b9c5bf; --line:#33413a;
  --accent:#86d0ae; --accent-ink:#0d1b15; --accent-soft:#1d3229; --accent-line:#3e6b57;
  --warn-bg:#3a2e12; --warn-line:#e0a93a; --focus:#8ab4ff;
}}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"AHN",Verdana,"Segoe UI",system-ui,sans-serif;font-size:1.25rem;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-decoration:underline;text-underline-offset:.18em;text-decoration-thickness:.08em}
a:hover{text-decoration-thickness:.14em}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:4px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 1.25rem}
.skip{position:absolute;left:-999px;top:0;background:var(--surface);padding:1rem;z-index:10}
.skip:focus{left:1rem}
h1,h2,h3{line-height:1.2;font-weight:800;letter-spacing:-.01em;margin:0}
h1{font-size:clamp(2.1rem,4.2vw,3rem)}
h2{font-size:clamp(1.6rem,2.6vw,2rem)}
h3{font-size:1.35rem}
p{margin:0 0 1.1em}
.icon{width:1.4em;height:1.4em;flex:none;display:inline-block;vertical-align:-.3em}

/* Header */
.notice{background:var(--accent-soft);color:var(--ink);font-size:1rem;padding:.55rem 0;border-bottom:1px solid var(--accent-line)}
.notice p{margin:0}
.top{background:var(--surface);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;min-height:84px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:.75rem;color:var(--ink);text-decoration:none;padding:.5rem 0}
.brand-mark{width:44px;height:44px;border-radius:10px;background:var(--accent);color:var(--accent-ink);display:grid;place-items:center}
.brand-mark .icon{width:28px;height:28px}
.brand-name{font-weight:800;font-size:1.4rem;line-height:1.1;display:block}
.brand-sub{font-size:.95rem;color:var(--muted);display:block}
.nav{display:flex;gap:.25rem;flex-wrap:wrap}
.nav a{display:inline-flex;align-items:center;min-height:52px;padding:0 1rem;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:1.1rem}
.nav a:hover{background:var(--accent-soft)}
.nav a[aria-current=page]{background:var(--accent-soft);color:var(--accent);box-shadow:inset 0 -3px 0 var(--accent)}
@media (max-width:820px){
  .top .wrap{padding-top:.5rem;padding-bottom:.5rem;gap:.25rem}
  .nav{width:100%;display:grid;grid-template-columns:1fr 1fr;gap:.4rem;padding-bottom:.6rem}
  .nav a{justify-content:center;border:1px solid var(--line);min-height:56px;font-size:1.05rem}
  .nav a.nav-about{display:none}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;min-height:60px;padding:0 1.4rem;border-radius:var(--radius);font-weight:800;font-size:1.15rem;text-decoration:none;border:2px solid var(--accent);white-space:nowrap}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-primary:hover{filter:brightness(1.08)}
.btn-ghost{background:transparent;color:var(--accent)}
.btn-ghost:hover{background:var(--accent-soft)}
.btn:active{transform:translateY(1px)}
.btn .icon{width:1.25em;height:1.25em}

/* Home hero */
.hero{padding:3.5rem 0 3rem}
.hero .wrap{display:grid;grid-template-columns:1.15fr 1fr;gap:3rem;align-items:center}
.hero h1{font-size:clamp(2.3rem,4.6vw,3.4rem);max-width:15ch}
.hero .sub{font-size:1.35rem;color:var(--muted);max-width:32ch;margin:1.25rem 0 2rem}
.hero .ctas{display:flex;gap:1rem;flex-wrap:wrap}
.hero figure{margin:0}
.hero img{border-radius:var(--radius);aspect-ratio:5/4;object-fit:cover;width:100%}
@media (max-width:900px){.hero{padding:2rem 0}.hero .wrap{grid-template-columns:1fr;gap:2rem}.hero figure{order:-1}.hero img{aspect-ratio:16/10}}

/* Section scaffolding */
.band{padding:4rem 0}
.band + .band{padding-top:1rem}
.band h2{margin-bottom:.6rem}
.lead{color:var(--muted);max-width:var(--read);font-size:1.25rem}

/* Topic grid (home) */
.topics{display:grid;grid-template-columns:repeat(12,1fr);gap:1.25rem;margin-top:2rem}
.topic{grid-column:span 6;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:grid;grid-template-columns:1fr}
.topic.wide{grid-column:span 7;grid-template-columns:1fr 1fr}
.topic.narrow{grid-column:span 5}
.topic.tint{background:var(--accent-soft);border-color:var(--accent-line)}
.topic img{width:100%;height:100%;object-fit:cover;min-height:220px}
.topic .body{padding:1.6rem}
.topic h3{display:flex;align-items:center;gap:.6rem;font-size:1.5rem;margin-bottom:.5rem}
.topic h3 a{color:var(--ink);text-decoration:none}
.topic h3 a:hover{text-decoration:underline}
.topic p{color:var(--muted);font-size:1.1rem}
.topic ul{list-style:none;padding:0;margin:0}
.topic li a{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:52px;font-weight:700;font-size:1.1rem;border-top:1px solid var(--line);text-decoration:none;color:var(--ink)}
.topic li a:hover{color:var(--accent)}
.topic li a .icon{color:var(--accent)}
@media (max-width:900px){.topic,.topic.wide,.topic.narrow{grid-column:span 12}.topic.wide{grid-template-columns:1fr}.topic img{min-height:0;aspect-ratio:16/9}}

/* Quick answers (home) */
.answers{margin-top:2rem;display:grid;gap:1rem}
.answer{display:grid;grid-template-columns:1fr auto;gap:1.5rem;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem 1.5rem;text-decoration:none;color:var(--ink)}
.answer:hover{border-color:var(--accent)}
.answer strong{font-size:1.3rem;display:block}
.answer span.q{display:block;color:var(--muted);font-size:1.05rem;margin-top:.3rem}
.verdict{font-weight:800;font-size:1.05rem;padding:.5rem 1rem;border-radius:999px;background:var(--accent-soft);color:var(--accent);white-space:nowrap}
@media (max-width:700px){.answer{grid-template-columns:1fr}.verdict{justify-self:start}}

/* Checklist banner */
.banner{background:var(--accent);color:var(--accent-ink);border-radius:var(--radius);padding:2.5rem;display:grid;grid-template-columns:auto 1fr auto;gap:2rem;align-items:center}
.banner .icon{width:64px;height:64px}
.banner h2{color:var(--accent-ink)}
.banner p{margin:.5rem 0 0;font-size:1.2rem;opacity:.95}
.banner .btn{background:var(--accent-ink);color:var(--accent);border-color:var(--accent-ink)}
@media (max-width:800px){.banner{grid-template-columns:1fr;padding:1.75rem}.banner .icon{width:48px;height:48px}}

/* Article cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.5rem;margin-top:2rem}
.card{display:flex;flex-direction:column;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;color:var(--ink);text-decoration:none}
.card:hover{border-color:var(--accent)}
.card:hover h3{text-decoration:underline}
.card img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card .body{padding:1.25rem 1.4rem 1.5rem}
.card .kind{font-size:.95rem;font-weight:700;color:var(--accent);margin-bottom:.4rem;display:block}
.card h3{font-size:1.3rem;line-height:1.3}
.card p{color:var(--muted);font-size:1.05rem;margin:.6rem 0 0}

/* Trust columns */
.trust{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem 3rem;margin-top:2rem}
.trust > div{display:grid;grid-template-columns:auto 1fr;gap:1rem}
.trust .icon{width:36px;height:36px;color:var(--accent)}
.trust h3{margin-bottom:.35rem}
.trust p{color:var(--muted);font-size:1.1rem}
@media (max-width:760px){.trust{grid-template-columns:1fr}}

/* Hub header */
.hub{padding:3rem 0 1rem}
.hub .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:3rem;align-items:center}
.hub img{border-radius:var(--radius);aspect-ratio:16/10;object-fit:cover}
.hub h1{margin:.3rem 0 1rem}
@media (max-width:860px){.hub .wrap{grid-template-columns:1fr}.hub img{order:-1}}

/* Breadcrumb */
.crumbs{font-size:1.05rem;margin:1.5rem 0 1rem;color:var(--muted)}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.4rem}
.crumbs li+li::before{content:"/";margin-right:.4rem;color:var(--muted)}

/* Article */
.article-head{max-width:52rem}
.article-head .kind{font-weight:700;color:var(--accent);font-size:1.05rem}
.article-head h1{margin:.4rem 0 1rem}
.dek{font-size:1.4rem;color:var(--muted);line-height:1.5}
.byline{font-size:1.05rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:.4rem 1.5rem;margin:1.25rem 0 0;padding:1rem 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.byline strong{color:var(--ink)}
.lead-img{margin:2rem 0}
.lead-img img{border-radius:var(--radius);aspect-ratio:2/1;object-fit:cover;width:100%}
.lead-img figcaption{font-size:.95rem;color:var(--muted);margin-top:.5rem}
.article-grid{display:grid;grid-template-columns:minmax(0,var(--read)) 18rem;gap:4rem;align-items:start}
@media (max-width:1000px){.article-grid{grid-template-columns:minmax(0,1fr);gap:2rem}}
.quick{background:var(--accent-soft);border:2px solid var(--accent-line);border-radius:var(--radius);padding:1.5rem 1.75rem;margin-bottom:2.25rem}
.quick h2{font-size:1.3rem;display:flex;gap:.6rem;align-items:center;margin-bottom:.6rem;color:var(--accent)}
.quick p{margin:0;font-size:1.3rem;line-height:1.55}
.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.5rem}
.toc h2{font-size:1.15rem;margin-bottom:.6rem}
.toc ol{margin:0;padding-left:1.3rem}
.toc li{margin:0;padding:.3rem 0;font-size:1.05rem;line-height:1.4}
.side{position:sticky;top:1.5rem;display:grid;gap:1.25rem}
@media (max-width:1000px){.side{position:static;order:-1}.side .help{display:none}}
.side .help{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.5rem;font-size:1.05rem}
.side .help h2{font-size:1.15rem;margin-bottom:.5rem}
.side .help p{margin:.4rem 0}
.prose{font-size:1.25rem;overflow-wrap:break-word}
.prose h2{margin:2.6rem 0 1rem;scroll-margin-top:1rem}
.prose h3{margin:2rem 0 .75rem}
.prose ul,.prose ol{padding-left:1.4rem;margin:0 0 1.25em}
.prose li{margin:.45em 0}
.prose blockquote{margin:1.5rem 0;padding:.25rem 0 .25rem 1.25rem;border-left:4px solid var(--accent);color:var(--muted)}
.prose .table{overflow-x:auto;margin:1.5rem 0;border:1px solid var(--line);border-radius:var(--radius)}
.prose table{border-collapse:collapse;width:100%;font-size:1.05rem;background:var(--surface)}
.prose th,.prose td{text-align:left;vertical-align:top;padding:.85rem 1rem;border-bottom:1px solid var(--line)}
.prose th{background:var(--accent-soft);font-weight:800}
.prose tr:last-child td{border-bottom:0}
.prose .note,.prose .warn{border-radius:var(--radius);padding:1.2rem 1.4rem 1.2rem 1.4rem;margin:1.75rem 0;font-size:1.15rem}
.prose .note{background:var(--surface);border:1px solid var(--accent-line);border-left:6px solid var(--accent)}
.prose .warn{background:var(--warn-bg);border:1px solid var(--warn-line);border-left:6px solid var(--warn-line)}
.prose .note p:last-child,.prose .warn p:last-child{margin-bottom:0}
.faq{margin-top:3rem}
.faq h3{font-size:1.25rem;margin:1.6rem 0 .5rem}
.faq p{margin:0}
.sources{margin-top:3rem;font-size:1.05rem}
.sources ol{padding-left:1.4rem}
.sources li{margin:.4rem 0;overflow-wrap:anywhere}
.disclaimer{margin-top:3rem;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.6rem;font-size:1.05rem;color:var(--muted)}
.disclaimer p:last-child{margin:0}
.related{margin-top:4rem;padding-top:2.5rem;border-top:1px solid var(--line)}

/* Plain pages */
.page{max-width:var(--read);padding:1rem 0 4rem}
.page h1{margin:.5rem 0 1.5rem}

/* Checklist print */
.print-btn{margin:0 0 2rem}
@media print{
  .notice,.top,.foot,.side,.related,.print-btn,.crumbs,.lead-img,.disclaimer{display:none!important}
  body{background:#fff;color:#000;font-size:14pt}
  .article-grid{display:block}
  a{color:#000;text-decoration:none}
}

/* Footer */
.foot{margin-top:5rem;background:var(--surface);border-top:1px solid var(--line);padding:3.5rem 0 2rem;font-size:1.05rem}
.foot .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2.5rem}
.foot h2{font-size:1.15rem;margin-bottom:.8rem}
.foot ul{list-style:none;padding:0;margin:0}
.foot li a{display:inline-block;padding:.4rem 0}
.foot .helplines p{margin:.3rem 0}
.foot .legal{margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid var(--line);color:var(--muted);font-size:1rem}
.foot .legal p{margin:.5rem 0}
@media (max-width:860px){.foot .cols{grid-template-columns:1fr}}