:root{--navy:#0B1F3A;--navy2:#13305A;--green:#14C38E;--green-d:#0A7A57;--teal:#0E8C8C;--sand:#F6F3EC;--ink:#1B2633;--muted:#4A5868;--white:#fff;--r:18px;--shadow:0 10px 30px rgba(11,31,58,.12)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:19px;line-height:1.6;color:var(--ink);background:#fff}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-d);text-underline-offset:3px}
a:hover{color:var(--navy)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,6vw,4rem)}
h2{font-size:clamp(1.7rem,3.6vw,2.4rem)}
h3{font-size:1.35rem}
p{margin:0 0 1em}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.narrow{max-width:820px;margin-left:auto;margin-right:auto}
.center{text-align:center}
.big{font-size:1.15em}
.small{font-size:.92rem;color:var(--muted)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:0;background:var(--green);color:var(--navy);padding:10px 16px;z-index:100;font-weight:700}
.skip:focus{left:10px}
:focus-visible{outline:3px solid var(--green);outline-offset:3px}
.alert-bar{background:#B3261E;color:#fff;text-align:center;padding:8px 16px;font-size:.95rem}
.site-header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.2)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-text{display:flex;flex-direction:column;line-height:1;font-family:Georgia,serif;font-weight:700}
.logo-text .l1{color:#fff;font-size:1.3rem}.logo-text .l2{color:var(--green);font-size:1.3rem}
.site-nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;flex-wrap:wrap}
.site-nav a{color:#fff;text-decoration:none;padding:10px 12px;border-radius:10px;font-weight:600;font-size:1rem}
.site-nav a:hover,.site-nav a[aria-current]{background:rgba(255,255,255,.12);color:var(--green)}
.nav-toggle{display:none;background:var(--green);color:var(--navy);border:0;border-radius:10px;padding:10px 16px;font-size:1rem;font-weight:700;cursor:pointer}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:700;font-size:.85rem;color:var(--green);margin-bottom:.6em}
.eyebrow.dark{color:var(--teal)}
.btn{display:inline-block;padding:15px 26px;border-radius:999px;font-weight:700;text-decoration:none;font-size:1.05rem;border:2px solid transparent;cursor:pointer;font-family:inherit;transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn-green{background:var(--green);color:var(--navy)}
.btn-green:hover{background:#22d89f;color:var(--navy)}
.btn-green[disabled]{background:#9FB3AB;color:#1B2633;cursor:not-allowed;transform:none}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{color:#fff;background:var(--navy2)}
.btn-outline-light{border-color:#fff;color:#fff}.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}
.hero{position:relative;color:#fff;min-height:620px;display:flex;align-items:center;overflow:hidden;background:var(--navy)}
.hero-img{position:absolute;inset:0;background:url(../images/hero-senior.jpg) center right/cover no-repeat}
.hero-img::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,31,58,.95) 0%,rgba(11,31,58,.82) 38%,rgba(11,31,58,.15) 72%,rgba(11,31,58,0) 100%)}
.hero-content{position:relative;padding-top:70px;padding-bottom:70px;width:100%}
.hero h1{color:#fff;max-width:620px}
.hero .lead{font-size:1.3rem;max-width:560px;margin-bottom:1.6em}
.page-head{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:70px 0 60px}
.page-head h1{color:#fff}.page-head .lead{font-size:1.25rem;max-width:780px}
.section{padding:80px 0}
.section.alt{background:var(--sand)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin:40px 0}
.card{background:#fff;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card img{aspect-ratio:4/3;object-fit:cover;width:100%}
.card-body{padding:24px 24px 28px}
.tag{display:inline-block;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:5px 12px;border-radius:999px;margin-bottom:12px}
.tag-teal{background:#D5F2F0;color:#075E5E}.tag-green{background:#D6F7EA;color:#075C40}.tag-navy{background:#DCE4F2;color:var(--navy)}
.steps{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:s}
.steps li{background:var(--sand);border-radius:var(--r);padding:32px 26px;text-align:center}
.step-n{display:inline-flex;width:58px;height:58px;border-radius:50%;background:var(--green);color:var(--navy);font-weight:800;font-size:1.6rem;align-items:center;justify-content:center;margin-bottom:14px}
.stat-band{background:var(--navy);color:#fff;padding:60px 0 30px}
.stat-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.stat{border-left:4px solid var(--green);padding-left:18px}
.stat .num{display:block;font-family:Georgia,serif;font-size:2.4rem;font-weight:700;color:var(--green)}
.stat .lbl{font-size:1.05rem}
.source{font-size:.85rem;margin-top:26px;color:#C9D4E3}.source a{color:#9EF0D0}
.two-col{display:grid;grid-template-columns:1.2fr 1fr;gap:50px;align-items:start}
.status-box{background:var(--sand);border-radius:var(--r);padding:30px;border-top:6px solid var(--green)}
.section.alt .status-box{background:#fff}
.check{list-style:none;padding:0;margin:0 0 1em}
.check li{padding-left:34px;position:relative;margin-bottom:.7em}
.check li::before{content:"";position:absolute;left:0;top:.35em;width:22px;height:22px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='%230B1F3A'/%3E%3C/svg%3E") center/16px no-repeat}
.details dt{font-weight:700;color:var(--navy);margin-top:1em}.details dd{margin:0}
.cta{background:linear-gradient(135deg,var(--teal),var(--navy));color:#fff;padding:70px 0}
.cta h2{color:#fff}.cta-inner{text-align:center}.cta .btn-row{justify-content:center}
.notice{background:#FFF4E5;border-left:5px solid #C25E00;padding:14px 18px;border-radius:10px;margin-bottom:24px;color:var(--ink)}
.form{background:#fff;border-radius:var(--r);box-shadow:var(--shadow);padding:30px;display:flex;flex-direction:column}
.form label{font-weight:700;margin:14px 0 6px}
.form input:not([type=radio]):not([type=checkbox]),.form textarea{font:inherit;padding:14px;border:2px solid #B9C4D2;border-radius:12px;width:100%}
.form input:focus,.form textarea:focus{border-color:var(--teal);outline:none;box-shadow:0 0 0 3px rgba(14,140,140,.25)}
.form fieldset{border:0;padding:0;margin:16px 0 0}
.form legend{font-weight:700;margin-bottom:6px}
.form .opt{font-weight:400;display:flex;gap:10px;align-items:center;margin:8px 0}
.form .opt input{width:22px;height:22px;accent-color:var(--green-d)}
.form button{margin-top:22px;align-self:flex-start}
.hint{font-weight:400;color:var(--muted)}
.form-msg{color:#B3261E;font-weight:700}
.board{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:30px}
.person{background:#fff;border-radius:var(--r);padding:32px;text-align:center;box-shadow:var(--shadow)}
.avatar{width:90px;height:90px;border-radius:50%;background:var(--navy);color:var(--green);display:flex;align-items:center;justify-content:center;font-family:Georgia,serif;font-size:2rem;font-weight:700;margin:0 auto 16px}
.site-footer{background:#071629;color:#D3DCE8;padding:56px 0 24px;font-size:1rem}
.site-footer a{color:#9EF0D0}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1.3fr;gap:36px}
.footer-logo{font-family:Georgia,serif;font-size:1.5rem;color:#fff;font-weight:700}
.footer-h{color:#fff;font-weight:700;text-transform:uppercase;letter-spacing:.1em;font-size:.85rem}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:6px}
.site-footer .small{color:#B7C3D3}
.copyright{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:.9rem}
@media (max-width:980px){
 .nav-toggle{display:block}
 .site-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);padding:10px 22px 20px}
 .site-nav.open{display:block}
 .site-nav ul{flex-direction:column}
 .site-nav a{display:block;font-size:1.15rem;padding:14px}
 .cards,.steps,.stat-inner,.board{grid-template-columns:1fr}
 .two-col,.footer-grid{grid-template-columns:1fr;gap:30px}
}
@media (max-width:640px){
 body{font-size:18px}
 .hero{min-height:0;align-items:flex-end}
 .hero-img{position:relative;height:300px;inset:auto}
 .hero{flex-direction:column;align-items:stretch}
 .hero-img::after{background:linear-gradient(0deg,rgba(11,31,58,1) 0%,rgba(11,31,58,0) 45%)}
 .hero-content{padding-top:10px;padding-bottom:50px}
 .section{padding:56px 0}
 .btn{width:100%;text-align:center}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin:36px 0}
.benefit{background:#fff;border-radius:var(--r);padding:26px;box-shadow:var(--shadow);border-top:8px solid var(--navy)}
.benefit p{font-size:1.05rem;margin:0}
.b-navy{border-top-color:var(--navy)}.b-teal{border-top-color:var(--teal)}.b-green{border-top-color:var(--green)}.b-gold{border-top-color:#E0A100}
.ben-full{display:grid;gap:28px;margin-top:36px}
.benefit-row{background:var(--sand);border-radius:var(--r);padding:32px;border-left:10px solid var(--navy);border-top:0}
.benefit-row.b-navy{border-left-color:var(--navy)}.benefit-row.b-teal{border-left-color:var(--teal)}.benefit-row.b-green{border-left-color:var(--green)}.benefit-row.b-gold{border-left-color:#E0A100}
.benefit-row h3{font-size:1.6rem}
.benefit-row .check li{font-size:1.1rem}
@media (max-width:1100px){.benefits{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.benefits{grid-template-columns:1fr}.benefit-row{padding:24px}}

.policy-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin:40px 0 28px}
.policy-card{background:var(--sand);border-radius:var(--r);padding:28px 28px 22px;border-top:8px solid var(--navy)}
.section.alt .policy-card{background:#fff;box-shadow:var(--shadow)}
.policy-card h3{font-size:1.45rem}
.policy-card p:last-child,.policy-card .check{margin-bottom:0}
.faq{margin-top:28px}
.faq dt{font-family:Georgia,serif;font-size:1.25rem;color:var(--navy);font-weight:700;margin:1.5em 0 .35em}
.faq dt:first-child{margin-top:0}
.faq dd{margin:0}
.tax-note p:last-child{margin-bottom:0}
@media (max-width:980px){.policy-grid{grid-template-columns:1fr}}