:root{
  --navy:#071c35;
  --navy2:#0d2b4e;
  --blue:#1f67ad;
  --light:#f3f7fb;
  --ink:#14233a;
  --muted:#66758a;
  --line:#dbe4ee;
  --white:#fff;
  --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit}
img{max-width:100%;display:block}
.container{width:min(calc(100% - 36px),var(--max));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(7,28,53,.97);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:700;letter-spacing:.08em}
.brand img{width:48px;height:48px;object-fit:contain}
.brand span small{display:block;font-size:.7rem;font-weight:500;letter-spacing:.24em}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{color:#e7eff8;text-decoration:none;font-size:.94rem}
.nav-links .cta{background:#fff;color:var(--navy);padding:11px 16px;border-radius:999px;font-weight:700}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:30px}
.hero{background:linear-gradient(135deg,var(--navy),#0d3d6b);color:#fff;padding:92px 0 76px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;inset:auto -10% -45% 20%;height:70%;background:radial-gradient(circle at center,rgba(74,153,219,.32),transparent 64%);pointer-events:none}
.eyebrow{font-weight:700;letter-spacing:.18em;text-transform:uppercase;font-size:.78rem;color:#7fc4ff;margin-bottom:16px}
.hero h1,.page-hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:500;line-height:1.02;margin:0 0 24px;font-size:clamp(3rem,7vw,6.2rem);max-width:900px}
.hero p{font-size:1.16rem;max-width:760px;color:#dce7f2}
.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:7px;text-decoration:none;font-weight:700;border:1px solid transparent}
.btn-primary{background:#1767b5;color:#fff}
.btn-secondary{border-color:rgba(255,255,255,.45);color:#fff}
.btn-outline{border-color:#1f67ad;color:#14568f}
.trust-row{display:flex;gap:26px;flex-wrap:wrap;margin-top:34px;color:#dce7f2;font-size:.92rem}
section{padding:76px 0}
.section-kicker{color:#1f67ad;text-transform:uppercase;letter-spacing:.15em;font-weight:700;font-size:.78rem}
h2{font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:clamp(2.2rem,4.8vw,4rem);line-height:1.08;margin:.25em 0 .5em}
h3{font-size:1.25rem;line-height:1.3;margin:.3em 0}
.lead{font-size:1.14rem;color:var(--muted);max-width:800px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{border:1px solid var(--line);border-radius:16px;padding:28px;background:#fff;box-shadow:0 10px 35px rgba(7,28,53,.05)}
.card ul{padding-left:20px}
.alt{background:var(--light)}
.service-card{display:block;text-decoration:none;min-height:280px}
.service-card .num{font-size:.82rem;color:#1f67ad;font-weight:700}
.service-card h3{font-family:Georgia,"Times New Roman",serif;font-size:2rem}
.service-card li{margin:6px 0}
.steps .step{border-top:1px solid var(--line);padding:23px 0}
.steps .step:first-child{border-top:0}
.steps .n{font-weight:700;color:#1f67ad;margin-bottom:8px}
.profile{display:grid;grid-template-columns:330px 1fr;gap:48px;align-items:center}
.profile img{border-radius:18px;box-shadow:0 18px 50px rgba(7,28,53,.15)}
.quote{font-family:Georgia,"Times New Roman",serif;font-size:1.5rem;line-height:1.4;padding-left:22px;border-left:3px solid #1f67ad;color:#203a59}
.cta-band{background:linear-gradient(135deg,#0a2440,#0d3a67);color:white}
.cta-band .lead{color:#dce7f2}
.page-hero{padding:76px 0 52px;background:var(--light)}
.page-hero h1{font-size:clamp(2.8rem,6vw,5.3rem);color:var(--navy);max-width:1000px}
.content-narrow{max-width:820px}
.checks{display:grid;gap:14px}
.check{display:flex;gap:12px;align-items:flex-start}
.check:before{content:"✓";color:#1f67ad;font-weight:800}
.form{display:grid;gap:16px}
.form label{font-weight:700}
.form input,.form textarea,.form select{width:100%;padding:13px 14px;border:1px solid #cfd9e5;border-radius:8px;font:inherit}
.form textarea{min-height:150px;resize:vertical}
.notice{padding:16px 18px;background:#f6f9fc;border-left:4px solid #1f67ad;color:#415267}
.contact-paths{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.site-footer{background:#06182d;color:#dbe6f1;padding:52px 0 24px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}
.site-footer h3{color:white}
.site-footer a{color:#dbe6f1;text-decoration:none}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;color:#aebdcd;font-size:.8rem}
.mini{font-size:.9rem;color:var(--muted)}
@media(max-width:820px){
  .nav{height:68px}
  .nav-links{display:none;position:absolute;top:68px;left:0;right:0;background:#071c35;padding:18px 22px;flex-direction:column;align-items:stretch}
  .nav-links.open{display:flex}
  .menu-btn{display:block}
  .hero{padding:64px 0 54px}
  .grid-2,.grid-3,.profile,.contact-paths,.footer-grid{grid-template-columns:1fr}
  .profile{gap:26px}
  .profile img{max-width:320px}
  section{padding:58px 0}
}

/* 2026 visual polish pass */
body{font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;letter-spacing:-.005em}
.nav-links a{position:relative}
.nav-links>a:not(.cta):after{content:"";position:absolute;left:0;right:100%;bottom:-7px;height:2px;background:#7fc4ff;transition:right .2s ease}
.nav-links>a:not(.cta):hover:after{right:0}
.btn{min-height:48px;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{box-shadow:0 8px 22px rgba(23,103,181,.22)}
.btn-primary:hover{box-shadow:0 11px 28px rgba(23,103,181,.3)}
.btn-outline{background:#fff}
.hero .container{position:relative;z-index:1}
.service-area-badge{display:inline-flex;align-items:center;gap:9px;margin-top:24px;padding:9px 13px;border:1px solid rgba(255,255,255,.16);border-radius:999px;background:rgba(255,255,255,.07);color:#dce7f2;font-size:.86rem;backdrop-filter:blur(4px)}
.service-area-badge .pin{font-size:.65rem;color:#7fc4ff}
.section-intro{margin-top:-10px;margin-bottom:30px}
.service-grid{align-items:stretch}
.service-card{position:relative;overflow:hidden;display:flex;flex-direction:column;min-height:360px;border-color:#d7e2ed;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.service-card:before{content:"";position:absolute;width:220px;height:220px;border-radius:50%;right:-90px;top:-85px;background:radial-gradient(circle,rgba(31,103,173,.14),rgba(31,103,173,0) 68%)}
.service-card:hover{transform:translateY(-4px);box-shadow:0 18px 46px rgba(7,28,53,.11);border-color:#b8cce0}
.service-card-top{display:flex;align-items:center;gap:12px;margin-bottom:15px}
.service-icon{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;background:#eaf3fb;color:#14568f;font-family:Georgia,"Times New Roman",serif;font-size:1.45rem;font-weight:700;border:1px solid #d3e3f2}
.service-card h3{font-size:2.35rem;margin-bottom:.25em}
.service-card p{color:var(--muted);max-width:520px}
.service-tags{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0 26px}
.service-tags span{padding:6px 9px;border-radius:999px;background:#f2f6fa;border:1px solid #dbe4ee;font-size:.78rem;color:#36516d}
.service-card strong{margin-top:auto;color:#14568f}
.life-card .service-icon{background:#f6f0e8;border-color:#eadfce;color:#795c39}
.profile-photo-wrap{position:relative;padding-bottom:56px}
.profile-photo-badge{position:absolute;left:20px;right:-18px;bottom:6px;padding:14px 16px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 14px 34px rgba(7,28,53,.14)}
.profile-photo-badge strong,.profile-photo-badge span{display:block}
.profile-photo-badge strong{color:var(--navy);font-size:.9rem;margin-bottom:2px}
.profile-photo-badge span{font-size:.78rem;line-height:1.35;color:var(--muted)}
.personal-site-link{margin-top:15px;font-size:.86rem;color:var(--muted)}
.personal-site-link a{color:#315a81;text-decoration:underline;text-underline-offset:3px}
.contact-card{position:relative;padding-top:32px}
.contact-card.featured{border-color:#8eb7dc;box-shadow:0 14px 38px rgba(31,103,173,.12)}
.contact-icon{width:42px;height:42px;display:flex;align-items:center;justify-content:center;border-radius:11px;background:#eaf3fb;color:#14568f;font-weight:800;margin-bottom:13px}
.mobile-action-bar{display:none}

@media(max-width:820px){
  body{padding-bottom:86px}
  .brand span{font-size:.86rem}
  .brand img{width:42px;height:42px}
  .hero h1,.page-hero h1{letter-spacing:-.03em}
  .service-area-badge{border-radius:14px;line-height:1.35;align-items:flex-start}
  .service-card{min-height:auto;padding:24px}
  .profile-photo-wrap{max-width:340px;padding-bottom:66px}
  .profile-photo-badge{left:14px;right:-8px}
  .mobile-action-bar{position:fixed;display:grid;grid-template-columns:1fr 1.35fr;gap:8px;left:0;right:0;bottom:0;z-index:90;padding:9px 12px calc(9px + env(safe-area-inset-bottom));background:rgba(6,24,45,.97);border-top:1px solid rgba(255,255,255,.12);box-shadow:0 -6px 20px rgba(6,24,45,.18);transition:transform .22s ease,opacity .22s ease;will-change:transform,opacity}
  .mobile-action-bar.is-hidden{transform:translateY(115%);opacity:0;pointer-events:none}
  .mobile-action-bar a{display:flex;align-items:center;justify-content:center;min-height:45px;border-radius:8px;text-decoration:none;font-weight:800;font-size:.9rem}
  .mobile-action-call{color:#fff;border:1px solid rgba(255,255,255,.35)}
  .mobile-action-primary{background:#fff;color:var(--navy)}
}

/* James Kaufer photography */
.direct-service-grid,.medicare-intro-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(340px,.95fr);gap:48px;align-items:center}
.james-consultation-photo{margin:0}
.james-consultation-photo img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:18px;box-shadow:0 18px 50px rgba(7,28,53,.15)}
.james-consultation-photo figcaption{margin-top:9px;color:var(--muted);font-size:.78rem;line-height:1.4}
@media (max-width:800px){.direct-service-grid,.medicare-intro-grid{grid-template-columns:1fr;gap:28px}.james-consultation-photo{max-width:620px}.james-consultation-photo img{border-radius:14px}}