/* Kingdom Protection — site-specific layout on top of the Modernist design
   system (assets/styles.css). Component classes (.btn, .tag, .card, .table)
   come from the design system; this file only adds page structure. */

/* Brand override: royal blue in place of the design system's default
   near-black text color. Kept here rather than in assets/styles.css so the
   vendored design-system file stays untouched. */
:root {
  --color-text: #283593;
}

html, body { max-width: 100%; overflow-x: hidden; }

.wrap {
  max-width: 1280px;
  margin: 0 auto;
  padding-inline: 24px;
}

.section {
  padding-block: 80px;
  border-bottom: 2px solid var(--color-divider);
}
.section--tight { padding-block: 64px; }
.section--muted { background: var(--color-neutral-100); }

.section-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  flex-wrap: wrap;
  gap: 24px;
  margin-bottom: 40px;
}
.section-head h2 { margin: 0; }

/* — header / nav — */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--color-bg);
  border-bottom: 2px solid var(--color-divider);
}
.site-header .wrap {
  padding-block: 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  white-space: nowrap;
}
.brand-mark {
  font-family: "Playfair Display", "Times New Roman", serif;
  font-style: normal;
  font-weight: 900;
  font-size: 19px;
  line-height: 1;
  color: #0d0d0f;
  -webkit-text-stroke: 0.7px currentColor;
}
.brand-sub {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 8px;
  line-height: 1;
  letter-spacing: 0.06em;
  word-spacing: 0.2em;
  text-transform: uppercase;
  color: #0d0d0f;
}
.brand-sub-wrap {
  display: inline-block;
  border-top: 1px solid #0d0d0f;
  padding-top: 1px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: nowrap;
}
.nav-links a {
  color: var(--color-text);
  text-decoration: none;
  font-size: 15px;
  font-weight: 600;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a[aria-current="page"] {
  color: var(--color-accent-700);
}
.menu-toggle {
  display: none;
  background: none;
  border: 2px solid var(--color-text);
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 20px;
  line-height: 1;
  color: var(--color-text);
  border-radius: var(--radius-md);
}
.mobile-nav {
  display: none;
  flex-direction: column;
  border-top: 2px solid var(--color-divider);
  padding: 16px 24px;
  gap: 16px;
}
.mobile-nav a {
  color: var(--color-text);
  text-decoration: none;
  font-size: 16px;
  font-weight: 600;
}
.mobile-nav a[aria-current="page"] { color: var(--color-accent-700); }
.mobile-nav.is-open { display: flex; }

@media (max-width: 1079px) {
  .nav-links { display: none; }
  .menu-toggle { display: flex; }
}

/* — hero — */
.hero .wrap {
  padding-block: 96px 80px;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 64px;
  align-items: center;
}
.hero-copy h1 {
  font-size: clamp(38px, 5vw, 64px);
  line-height: 1.05;
  margin: 0 0 24px;
}
.hero-copy p {
  font-size: 19px;
  line-height: 1.6;
  color: var(--color-neutral-700);
  max-width: 520px;
  margin: 0 0 40px;
}
.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* — hero v2: centered eyebrow + headline + copy, photo CTA below — */
.hero-v2-centered {
  padding-block: 64px 40px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.hero-v2-centered h1 {
  font-size: clamp(34px, 5vw, 56px);
  line-height: 1.05;
  margin: 12px 0 20px;
}
.hero-v2-eyebrow {
  font-family: var(--font-heading);
  font-weight: 800;
  text-transform: uppercase;
  font-size: clamp(17px, 2.2vw, 24px);
  line-height: 1.25;
  color: var(--color-text);
  margin-bottom: 8px;
}
.hero-v2-centered p {
  font-size: 16px;
  line-height: 1.65;
  color: var(--color-neutral-700);
  max-width: 640px;
  margin: 0 0 28px;
}
.hero-v2-centered .hero-actions { justify-content: center; }
.hero-guide-cta-wrap {
  display: flex;
  justify-content: center;
  padding-block: 8px 56px;
}
.hero-guide-cta {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-decoration: none;
  transition: transform 0.15s ease;
}
.hero-guide-cta:hover { transform: translateY(-2px); }
.hero-guide-photo {
  width: 320px;
  max-width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  display: block;
}
.hero-guide-cta-label {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 15px;
  color: var(--color-accent-700);
}
.hero-guide-brand-row {
  display: flex;
  align-items: center;
  gap: 24px;
}
.hero-guide-brand-block {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}
.hero-guide-brand-block .brand-mark { font-size: 36px; text-align: center; }
.hero-guide-brand-block .brand-sub { font-size: 11px; }
.hero-guide-divider {
  width: 1px;
  height: 88px;
  background: var(--color-neutral-300, #ccc);
}
.hero-guide-photo-circle {
  width: 168px;
  height: 168px;
  object-fit: cover;
  border-radius: 50%;
  display: block;
}

/* — photo placeholder (stands in for the design tool's image-slot) — */
.photo-frame {
  position: relative;
  overflow: hidden;
  border: 2px solid var(--color-divider);
  background: var(--color-neutral-200);
}
.photo-frame .photo-placeholder {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 24px;
  font-size: 13px;
  color: var(--color-neutral-600);
}
.photo-frame img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-logo-mark {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  text-align: center;
  background: var(--color-bg);
}
.hero-logo-mark { padding: 24px; }
.hero-logo-mark .brand-mark { font-size: clamp(28px, 5vw, 40px); line-height: 1.05; }
.hero-logo-mark .brand-sub { font-size: clamp(11px, 1.4vw, 13px); word-spacing: 0.25em; }
.hero-logo-mark .brand-sub-wrap { border-top-width: 2px; padding-top: 4px; }

/* — divider grids (trust pillars / protection gaps) — */
.divider-grid {
  display: grid;
  gap: 0;
  border-top: 2px solid var(--color-divider);
  border-left: 2px solid var(--color-divider);
}
.divider-cell {
  border-right: 2px solid var(--color-divider);
  border-bottom: 2px solid var(--color-divider);
  padding: 28px;
}
.trust-grid { grid-template-columns: repeat(3, 1fr); }
.trust-grid .divider-cell { padding: 32px; }
.gaps-grid { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.gaps-grid .divider-cell { background: var(--color-bg); }

/* — two-column feature rows (Medicare table intro / life insurance) — */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split .photo-frame { aspect-ratio: 4 / 3; }

.table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.table-scroll .table { min-width: 640px; }

.table-note {
  font-size: 13px;
  color: var(--color-neutral-500);
  margin-top: 16px;
}

/* — process — */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
}
.process-step .step-number {
  font-family: var(--font-heading);
  font-size: 48px;
  font-weight: var(--font-heading-weight);
  color: var(--color-accent-700);
  margin-bottom: 16px;
}
.process-step .card-title { margin-bottom: 8px; }

/* — resources / testimonials grids — */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}
.testimonial {
  border-left: 2px solid var(--color-accent-700);
}
.testimonial .card-body { font-style: italic; }
.testimonial .card-meta { margin-top: 16px; }

/* — final CTA — */
.cta-final {
  padding-block: 96px;
  background: var(--color-accent);
  color: var(--color-bg);
}
.cta-final .wrap { max-width: 800px; }
.cta-final h2,
.cta-final p { color: var(--color-bg); }
.cta-final p { opacity: 0.92; margin: 0 0 32px; font-size: 17px; line-height: 1.6; }
.cta-final .btn-primary { background: var(--color-bg); color: var(--color-accent-700); }
.cta-final .btn-secondary { border-color: var(--color-bg); color: var(--color-bg); }

/* — footer — */
.site-footer {
  background: var(--color-text);
  color: var(--color-bg);
  border-top: 2px solid var(--color-divider);
}
.footer-grid {
  padding: 64px 24px 32px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 40px;
}
.footer-brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  margin-bottom: 16px;
}
.footer-brand .brand-mark {
  font-size: 22px;
  color: #ffffff;
}
.footer-brand .brand-sub-wrap {
  border-top-color: #ffffff;
}
.footer-brand .brand-sub {
  font-size: 8px;
  color: #ffffff;
}
.footer-tagline {
  font-size: 14px;
  line-height: 1.6;
  color: var(--color-neutral-300);
  max-width: 280px;
}
.footer-heading {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 16px;
  color: var(--color-neutral-400);
}
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-links a,
.footer-contact a {
  color: var(--color-bg);
  text-decoration: none;
  font-size: 14px;
}
.footer-social {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.footer-social .footer-heading {
  margin-bottom: 12px;
}
.footer-social-links {
  display: flex;
  justify-content: center;
  gap: 14px;
}
.footer-social-links a {
  color: var(--color-bg);
  display: inline-flex;
  opacity: 0.9;
}
.footer-social-links a:hover {
  opacity: 1;
  color: var(--color-accent-300);
}
.footer-social-links svg {
  width: 20px;
  height: 20px;
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 10px;
  font-size: 14px;
}
.footer-contact .muted { color: var(--color-neutral-300); }
.footer-npn { margin-top: 16px; font-size: 13px; color: var(--color-neutral-400); }
.footer-legal {
  border-top: 1px solid var(--color-neutral-700);
  padding: 24px;
  max-width: 1280px;
  margin: 0 auto;
}
.footer-disclosure {
  font-size: 12px;
  line-height: 1.7;
  color: var(--color-neutral-400);
  max-width: 960px;
}
.footer-copyright {
  font-size: 12px;
  color: var(--color-neutral-500);
  margin-top: 16px;
}

/* — inner page hero (Medicare / Life / Ancillary / Resources / About / Contact / Legal) — */
.page-hero {
  padding-block: 80px 56px;
  border-bottom: 2px solid var(--color-divider);
}
.wrap--narrow {
  max-width: 900px;
  margin: 0 auto;
  padding-inline: 24px;
}
.page-hero h1 {
  font-size: clamp(34px, 4.5vw, 54px);
  margin: 0 0 20px;
}
.page-hero p {
  font-size: 18px;
  line-height: 1.6;
  color: var(--color-neutral-700);
  margin: 0 0 16px;
}
.page-hero p:last-of-type { margin-bottom: 32px; }
.page-hero.page-hero--split .wrap {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 64px;
  align-items: center;
  padding-block: 80px 56px;
}
.page-hero--split .photo-frame { aspect-ratio: 4 / 5; }

/* — definition list (Medicare's Part A/B/C/D breakdown) — */
.definition-list {
  border-top: 2px solid var(--color-divider);
  border-left: 2px solid var(--color-divider);
}
.definition-row {
  border-right: 2px solid var(--color-divider);
  border-bottom: 2px solid var(--color-divider);
  padding: 32px 40px;
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 32px;
}
.definition-row .card-title { margin-bottom: 10px; }

/* — accent CTA banner (repeats on every inner page) — */
.cta-banner {
  padding-block: 80px;
  background: var(--color-accent);
  color: var(--color-bg);
}
.cta-banner .wrap { max-width: 800px; }
.cta-banner h2, .cta-banner p { color: var(--color-bg); }
.cta-banner p { opacity: 0.92; margin: 0 0 32px; font-size: 17px; line-height: 1.6; }
.cta-banner .btn { background: var(--color-bg); color: var(--color-accent-700); text-decoration: none; }

/* — FAQ accordion (Resources), built on native <details> — no JS needed — */
.faq-list { border-top: 2px solid var(--color-divider); }
.faq-item { border-bottom: 2px solid var(--color-divider); }
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding-block: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-family: var(--font-heading);
  font-weight: var(--font-heading-weight);
  font-size: 18px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 20px;
  color: var(--color-accent-700);
  flex-shrink: 0;
}
.faq-item[open] summary::after { content: '\2212'; }
.faq-item .faq-answer {
  font-size: 16px;
  line-height: 1.65;
  color: var(--color-neutral-700);
  margin: 0 0 24px;
  max-width: 760px;
}

/* — contact page — */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
}
/* Without this, a grid/flex item's default min-width:auto sizes it to its
   content's min-content — and a <select> with a long option (e.g.
   "Protection gap / ancillary coverage") has a wide min-content, which
   silently blows the whole grid past the viewport on narrow screens. */
.contact-grid > *,
.contact-form > * {
  min-width: 0;
}
.contact-details {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 40px;
}
.contact-details a { color: var(--color-text); text-decoration: none; overflow-wrap: anywhere; }
.contact-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.contact-form-card { padding: 40px; }
.contact-form { display: flex; flex-direction: column; gap: 20px; }
.form-success { font-size: 14px; color: var(--color-accent-700); margin: 8px 0 0; }
.form-success[hidden] { display: none; }

/* — legal page — */
.legal-list { display: flex; flex-direction: column; gap: 48px; }
.legal-list h2 { font-size: 22px; margin: 0 0 12px; }
.legal-list p { font-size: 15px; line-height: 1.7; color: var(--color-neutral-700); margin: 0; }
.legal-intro { font-size: 15px; color: var(--color-neutral-500); }

@media (max-width: 900px) {
  .hero .wrap,
  .split,
  .page-hero--split .wrap,
  .contact-grid {
    grid-template-columns: 1fr;
  }
  .split .photo-frame,
  .page-hero--split .photo-frame {
    order: -1;
  }
  .trust-grid,
  .process-grid {
    grid-template-columns: 1fr;
  }
  .definition-row {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 24px;
  }
}

/* ═══════════════════════════════════════════════════════════════
   Free Medicare Guide funnel — opt-in, thank-you, module content.
   Its own dark/gold palette (tokens scoped to .guide-dark) so it
   doesn't touch the rest of the site's theme.
   ═══════════════════════════════════════════════════════════════ */
.guide-dark {
  --guide-bg: color-mix(in srgb, var(--color-text) 80%, black);
  --guide-card: rgba(255,255,255,0.06);
  --guide-border: rgba(255,255,255,0.14);
  --guide-gold: var(--color-accent-700);
  --guide-gold-text: #ffffff;
  --guide-muted: rgba(255,255,255,0.62);
  background: var(--guide-bg);
  color: #ffffff;
}

/* slim funnel top bar (opt-in / thanks / module pages) */
.guide-topbar {
  background: var(--guide-bg);
  border-bottom: 1px solid var(--guide-border);
  position: sticky;
  top: 0;
  z-index: 50;
}
.guide-topbar .wrap {
  padding-block: 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.guide-topbar .brand-mark { color: #ffffff; font-size: 17px; }
.guide-topbar .brand-sub-wrap { border-top-color: var(--guide-gold); }
.guide-topbar .brand-sub { color: var(--guide-gold); font-size: 7px; }
.guide-topbar .btn-primary { background: var(--guide-gold); color: var(--guide-gold-text); }
.guide-topbar .btn-primary:hover { background: var(--color-accent-600); }

/* step tracker */
.guide-tracker {
  background: var(--guide-bg);
  border-bottom: 1px solid var(--guide-border);
  overflow-x: auto;
}
.guide-tracker-row {
  display: flex;
  gap: 32px;
  padding-block: 14px;
  min-width: max-content;
}
.guide-tracker-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  min-width: 64px;
}
.guide-tracker-num {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  border: 1.5px solid var(--guide-muted);
  color: var(--guide-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 700;
}
.guide-tracker-label {
  font-size: 10px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--guide-muted);
}
.guide-tracker-step.is-current .guide-tracker-num {
  border-color: var(--guide-gold);
  color: var(--guide-gold);
}
.guide-tracker-step.is-current .guide-tracker-label { color: var(--guide-gold); }
.guide-tracker-step.is-done .guide-tracker-num {
  background: var(--guide-gold);
  border-color: var(--guide-gold);
  color: var(--guide-gold-text);
}

/* opt-in hero */
.guide-eyebrow {
  display: inline-block;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.85);
  border: 1px solid rgba(255,255,255,0.22);
  padding: 6px 16px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.guide-hero { padding-block: 72px 64px; text-align: center; }
.guide-hero h1 { font-size: clamp(32px, 5vw, 52px); margin: 20px 0 16px; }
.guide-hero h1 .accent { color: var(--guide-gold); display: block; }
.guide-hero .lead {
  color: var(--guide-muted);
  max-width: 560px;
  margin: 0 auto 36px;
  font-size: 17px;
  line-height: 1.6;
}
.guide-checklist {
  list-style: none;
  padding: 0;
  margin: 0 auto 40px;
  max-width: 520px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  text-align: left;
}
.guide-checklist li { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; }
.guide-check {
  flex: 0 0 20px;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--guide-gold);
  color: var(--guide-gold-text);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
  margin-top: 2px;
}

/* opt-in / secondary form cards */
.guide-form-card {
  background: var(--guide-card);
  border: 1px solid var(--guide-border);
  border-radius: 14px;
  padding: 32px;
  max-width: 440px;
  margin: 0 auto;
  text-align: left;
}
.guide-field { margin-bottom: 16px; }
.guide-field label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--guide-muted);
  margin-bottom: 6px;
}
.guide-field input,
.guide-field select {
  width: 100%;
  padding: 12px 14px;
  background: rgba(255,255,255,0.05);
  border: 1px solid var(--guide-border);
  border-radius: 8px;
  color: #ffffff;
  font-size: 15px;
  font-family: inherit;
}
.guide-field input::placeholder { color: rgba(255,255,255,0.35); }
.guide-field select { color: #ffffff; }
.guide-field select option { color: #111; }
.guide-submit {
  width: 100%;
  background: var(--guide-gold);
  color: var(--guide-gold-text);
  border: none;
  border-radius: 8px;
  padding: 14px;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 15px;
  cursor: pointer;
  margin-top: 8px;
}
.guide-submit:hover { background: var(--color-accent-600); }
.guide-consent { font-size: 12px; color: var(--guide-muted); margin-top: 16px; line-height: 1.6; }
.guide-trust { margin-top: 32px; font-size: 13px; color: var(--guide-muted); text-align: center; }
.guide-disclosure {
  max-width: 800px;
  margin: 32px auto 0;
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  line-height: 1.6;
  text-align: center;
  padding-inline: 24px;
}

/* thank-you page */
.guide-thanks-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--guide-gold);
  color: var(--guide-gold-text);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 24px;
  font-weight: 800;
}
.guide-save-link {
  display: inline-block;
  margin-top: 18px;
  font-size: 13px;
  color: var(--guide-gold);
}
.guide-dates-card {
  background: var(--guide-card);
  border: 1px solid var(--guide-border);
  border-radius: 14px;
  padding: 24px;
  max-width: 480px;
  margin: 40px auto;
  text-align: left;
}
.guide-dates-card h3 { font-size: 16px; margin: 0 0 8px; color: #fff; }
.guide-dates-card p { font-size: 13px; color: var(--guide-muted); margin: 0 0 18px; line-height: 1.6; }
.guide-dates-row { display: flex; gap: 10px; flex-wrap: wrap; }
.guide-dates-row .guide-field { flex: 1 1 140px; margin-bottom: 0; }
.guide-follow-heading {
  text-align: center;
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--guide-muted);
  margin: 8px 0 20px;
}
.guide-follow-list {
  max-width: 480px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.guide-follow-row {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--guide-card);
  border: 1px solid var(--guide-border);
  border-radius: 10px;
  padding: 14px 16px;
  text-decoration: none;
  color: #ffffff;
}
.guide-follow-row svg { width: 22px; height: 22px; flex: 0 0 auto; }
.guide-follow-row .name { font-weight: 700; font-size: 14px; }
.guide-follow-row .handle { margin-left: auto; font-size: 12px; color: var(--guide-muted); }

/* module content pages (light background) */
.module-utility {
  padding-block: 20px;
  text-align: center;
  font-size: 13px;
}
.module-utility a { color: var(--color-neutral-600); }
.module-header-card {
  background: var(--color-text);
  color: #fff;
  border-radius: 14px;
  padding: 40px 36px;
  max-width: 760px;
  margin: 0 auto 40px;
}
.module-header-card .module-kicker { color: rgba(255,255,255,0.6); }
.module-header-card h1 { color: #fff; margin-bottom: 12px; }
.module-header-card p { color: rgba(255,255,255,0.75); margin: 0; font-size: 16px; line-height: 1.6; }
.module-body {
  max-width: 760px;
  margin: 0 auto;
  background: #fff;
  border: 1px solid var(--color-divider);
  border-radius: 14px;
  padding: 40px;
}
.module-body h2 { font-size: 22px; margin: 32px 0 12px; }
.module-body h2:first-child { margin-top: 0; }
.module-body p { font-size: 16px; line-height: 1.7; color: var(--color-neutral-800); }
.module-body ul { margin: 0 0 16px; padding-left: 20px; }
.module-body li { font-size: 16px; line-height: 1.7; color: var(--color-neutral-800); margin-bottom: 8px; }
.module-kicker {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-accent-700);
  margin-bottom: 8px;
}
.module-tip {
  background: var(--color-neutral-100);
  border-left: 3px solid var(--color-accent);
  padding: 16px 20px;
  border-radius: var(--radius-md);
  font-size: 15px;
  line-height: 1.65;
  margin: 24px 0;
}
.module-watchout {
  background: var(--color-accent-100);
  border-left: 3px solid var(--color-accent-700);
  padding: 16px 20px;
  border-radius: var(--radius-md);
  font-size: 15px;
  line-height: 1.65;
  margin: 24px 0;
}
.module-tip strong, .module-watchout strong { display: block; margin-bottom: 4px; }
.module-nav {
  max-width: 760px;
  margin: 32px auto 0;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.module-cta {
  max-width: 760px;
  margin: 40px auto 0;
  background: var(--color-neutral-100);
  border-radius: 14px;
  padding: 32px;
  text-align: center;
}
.module-cta h3 { margin-bottom: 8px; }
.module-cta p { color: var(--color-neutral-700); margin-bottom: 20px; }
.module-content-page { background: var(--color-bg); padding-block: 40px 72px; }
.module-video {
  background: var(--color-text);
  border-radius: 14px;
  aspect-ratio: 16 / 9;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: #ffffff;
  margin: 24px 0 32px;
  text-align: center;
  padding: 24px;
}
.module-video .video-play {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--color-accent);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
}
.module-video .video-label { font-weight: 700; font-size: 15px; }
.module-video .video-sub { font-size: 13px; color: rgba(255,255,255,0.6); max-width: 380px; }

@media (max-width: 640px) {
  .module-header-card, .module-body, .module-nav, .module-cta { padding-inline: 20px; }
  .guide-form-card { padding: 24px; }
}

/* — exposure cards (Protection Gaps: 20% gap / LTC / IRMAA) — */
.exposure-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.exposure-card {
  background: var(--color-text);
  color: #ffffff;
  padding: 32px 28px;
  border-radius: var(--radius-md);
}
.exposure-card h3 {
  font-size: 18px;
  color: #ffffff;
  margin: 0 0 12px;
}
.exposure-card p {
  font-size: 14px;
  line-height: 1.65;
  color: rgba(255,255,255,0.8);
  margin: 0 0 16px;
}
.exposure-card .solution {
  margin: 0;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.18);
  color: #ffffff;
}
.exposure-card .solution strong { color: #ff9783; }
@media (max-width: 900px) {
  .exposure-grid { grid-template-columns: 1fr; }
}