/*
Theme Name: My Dual Plan
Theme URI: https://mydualplan.com/
Author: My Dual Plan
Author URI: https://mydualplan.com/
Description: A senior-first, call-focused lead generation theme for Dual-Eligible Special Needs Plans (D-SNP). Healthcare blue and gold, high-contrast, large-type, mobile-first, with a click-to-call design, an editable Business Info Customizer panel (phone, hours, email), the CMS TPMO disclaimer built into the footer, SEO meta and JSON-LD schema, plus full blog templates.
Version: 1.0.3
Requires at least: 6.0
Tested up to: 7.0
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: mydualplan
Version note: 1.0.1 adds homepage internal links to pillar pages and BreadcrumbList schema on inner pages.
*/

:root{
  --navy:#1C5D8C;        /* primary healthcare blue */
  --navy-deep:#12405F;   /* deep blue (topbar/footer) */
  --teal:#2E7CB0;        /* lighter blue accent (links, highlights) */
  --gold:#E4A11B;
  --gold-dark:#B07C0C;
  --green:#1F7A4D;       /* Call Now */
  --green-dark:#155C39;
  --cream:#F8FAFC;       /* cool near-white base */
  --sand:#EAF2F8;        /* light blue mist for alternating sections */
  --sand-line:#D6E3EF;   /* soft blue border */
  --ink:#16242E;
  --ink-soft:#42555F;
  --white:#ffffff;
  --shadow:0 10px 30px rgba(28,93,140,.14);
  --shadow-sm:0 4px 14px rgba(28,93,140,.10);
  --radius:16px;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Source Sans 3',-apple-system,'Segoe UI',Arial,sans-serif;
  font-size:20px;line-height:1.65;color:var(--ink);background:var(--cream);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:'Merriweather',Georgia,serif;line-height:1.2;color:var(--navy);margin:0 0 .5em;}
h1{font-size:2.7rem;font-weight:900;}
h2{font-size:2.05rem;font-weight:800;}
h3{font-size:1.35rem;}
p{margin:0 0 1rem;}
a{color:var(--teal);}
img{max-width:100%;height:auto;display:block;}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px;}
.center{text-align:center;}
.muted{color:var(--ink-soft);}

.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:12px 18px;z-index:100;border-radius:0 0 8px 0;}
.skip:focus{left:0;}
.screen-reader-text{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0;}

.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:12px;
  font-family:'Source Sans 3',sans-serif;font-weight:700;
  border:0;border-radius:60px;cursor:pointer;text-decoration:none;
  padding:20px 34px;font-size:1.3rem;line-height:1.1;min-height:60px;
  transition:transform .12s ease, box-shadow .12s ease, background .12s ease;
}
.btn:focus-visible{outline:4px solid var(--gold);outline-offset:3px;}
.btn-call{background:var(--green);color:#fff;box-shadow:0 8px 20px rgba(31,122,77,.35);}
.btn-call:hover{background:var(--green-dark);transform:translateY(-2px);}
.btn-call .num{font-size:1.45rem;letter-spacing:.5px;}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--sand-line);}
.btn-ghost:hover{border-color:var(--teal);}
.btn svg{width:26px;height:26px;flex:none;}

.eyebrow{display:inline-block;font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.9rem;color:var(--gold-dark);margin-bottom:.6rem;}

.topbar{background:var(--navy-deep);color:#d5e6f2;font-size:1rem;}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:9px 22px;flex-wrap:wrap;}
.topbar strong{color:#fff;}
.topbar .dot{display:inline-block;width:9px;height:9px;border-radius:50%;background:#49d17f;margin-right:8px;vertical-align:middle;box-shadow:0 0 0 3px rgba(73,209,127,.25);}

header.site{position:sticky;top:0;z-index:40;background:rgba(248,250,252,.97);backdrop-filter:blur(6px);border-bottom:1px solid var(--sand-line);}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 22px;}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;}
.logo .mark{width:46px;height:46px;flex:none;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--teal));display:flex;align-items:center;justify-content:center;color:#fff;}
.logo .mark svg{width:26px;height:26px;}
.logo .name{font-family:'Merriweather',serif;font-weight:900;font-size:1.3rem;color:var(--navy);line-height:1.05;}
.logo .name span{display:block;font-family:'Source Sans 3',sans-serif;font-weight:600;font-size:.8rem;letter-spacing:.05em;color:var(--gold-dark);text-transform:uppercase;}
nav.primary{display:flex;align-items:center;gap:26px;margin-left:auto;margin-right:8px;}
nav.primary ul{list-style:none;display:flex;gap:26px;margin:0;padding:0;}
nav.primary a{text-decoration:none;color:var(--navy);font-weight:600;font-size:1.05rem;white-space:nowrap;}
nav.primary a:hover{color:var(--teal);}
.header-call{display:flex;align-items:center;gap:16px;}
.header-call .callline{text-align:right;line-height:1.15;}
.header-call .callline small{display:block;font-size:.85rem;color:var(--ink-soft);}
.header-call .callline a{font-family:'Merriweather',serif;font-weight:900;font-size:1.4rem;color:var(--navy);text-decoration:none;white-space:nowrap;}
.navtoggle{display:none;background:#fff;border:2px solid var(--sand-line);border-radius:10px;width:52px;height:52px;align-items:center;justify-content:center;cursor:pointer;}
.navtoggle svg{width:26px;height:26px;color:var(--navy);}

.hero{background:radial-gradient(1200px 500px at 78% -10%, rgba(46,124,176,.16), transparent 60%),linear-gradient(180deg,var(--cream),var(--sand));padding:56px 0 40px;}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;}
.hero h1 span{color:var(--teal);}
.hero .lead{font-size:1.35rem;color:var(--ink-soft);max-width:38ch;}
.hero-cta{display:flex;flex-wrap:wrap;gap:16px;align-items:center;margin:26px 0 18px;}
.hero-note{font-size:1.05rem;color:var(--ink-soft);display:flex;align-items:center;gap:10px;}
.hero-note svg{width:22px;height:22px;color:var(--green);flex:none;}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px;}
.pill{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid var(--sand-line);border-radius:40px;padding:10px 18px;font-weight:600;font-size:1.02rem;box-shadow:var(--shadow-sm);}
.pill svg{width:20px;height:20px;color:var(--green);flex:none;}

.quotecard{background:#fff;border-radius:22px;box-shadow:var(--shadow);border:1px solid var(--sand-line);padding:30px;}
.quotecard h3{color:var(--navy);font-size:1.5rem;margin-bottom:6px;}
.quotecard .sub{color:var(--ink-soft);margin-bottom:20px;font-size:1.05rem;}
.quotecard .rate{display:flex;align-items:baseline;gap:10px;background:var(--sand);border-radius:14px;padding:16px 20px;margin-bottom:18px;}
.quotecard .rate b{font-family:'Merriweather',serif;font-size:2.3rem;color:var(--green-dark);}
.quotecard ul{list-style:none;margin:0 0 22px;padding:0;}
.quotecard li{display:flex;gap:12px;align-items:flex-start;padding:8px 0;font-size:1.08rem;}
.quotecard li svg{width:24px;height:24px;color:var(--green);flex:none;margin-top:2px;}
.quotecard .btn-call{width:100%;}
.quotecard .fineprint{font-size:.9rem;color:var(--ink-soft);text-align:center;margin:12px 0 0;}

.trustrow{background:var(--white);border-top:1px solid var(--sand-line);border-bottom:1px solid var(--sand-line);}
.trustrow .wrap{display:flex;align-items:center;justify-content:center;gap:34px;flex-wrap:wrap;padding:20px 22px;font-weight:600;color:var(--ink-soft);font-size:1.05rem;}
.trustrow span{display:inline-flex;align-items:center;gap:10px;}
.trustrow svg{width:24px;height:24px;color:var(--gold-dark);}

section{padding:62px 0;}
.section-head{max-width:48ch;margin:0 auto 40px;text-align:center;}
.section-head p{font-size:1.2rem;color:var(--ink-soft);}

.explain{background:var(--white);}
.explain-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;}
.explain h2 span{color:var(--teal);}
.explain p{font-size:1.12rem;color:var(--ink-soft);}
.factbox{background:var(--cream);border:1px solid var(--sand-line);border-radius:20px;padding:30px;box-shadow:var(--shadow-sm);}
.factbox h3{font-size:1.2rem;margin-bottom:16px;}
.factbox dl{margin:0;display:grid;grid-template-columns:1fr;gap:14px;}
.factbox .frow{display:flex;justify-content:space-between;gap:16px;border-bottom:1px dashed var(--sand-line);padding-bottom:12px;}
.factbox .frow:last-child{border-bottom:0;padding-bottom:0;}
.factbox dt{font-weight:600;color:var(--ink-soft);}
.factbox dd{margin:0;font-weight:700;color:var(--navy);text-align:right;}

.benefits{background:var(--sand);}
.bgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.bcard{background:#fff;border:1px solid var(--sand-line);border-radius:var(--radius);padding:28px;}
.bcard .ico{width:58px;height:58px;border-radius:14px;background:var(--sand);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.bcard .ico svg{width:30px;height:30px;color:var(--teal);}
.bcard h3{margin-bottom:6px;}
.bcard p{margin:0;font-size:1.05rem;color:var(--ink-soft);}

.problem{background:var(--white);}
.problem-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.statbig{background:var(--navy);color:#fff;border-radius:22px;padding:34px;box-shadow:var(--shadow);}
.statbig .n{font-family:'Merriweather',serif;font-weight:900;font-size:3.4rem;color:var(--gold);line-height:1;}
.statbig p{color:#d3e6f4;font-size:1.1rem;margin:.4rem 0 1.4rem;}
.statrow{display:flex;gap:14px;border-top:1px solid rgba(255,255,255,.16);padding-top:18px;}
.statrow div{flex:1;}
.statrow b{display:block;font-family:'Merriweather',serif;font-size:1.5rem;color:#fff;}
.statrow small{color:#a9c9df;font-size:.95rem;}
.problem h2 span{color:var(--teal);}

.how{background:var(--sand);}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:step;}
.step{position:relative;background:#fff;border:1px solid var(--sand-line);border-radius:var(--radius);padding:34px 26px 26px;text-align:center;}
.step .no{counter-increment:step;width:56px;height:56px;border-radius:50%;background:var(--green);color:#fff;font-family:'Merriweather',serif;font-weight:900;font-size:1.6rem;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:0 6px 16px rgba(31,122,77,.3);}
.step .no::before{content:counter(step);}
.step h3{margin-bottom:8px;}
.step p{margin:0;color:var(--ink-soft);font-size:1.05rem;}

.plans{background:var(--white);}
.pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.pcard{border:1px solid var(--sand-line);border-radius:var(--radius);padding:30px;background:var(--cream);display:flex;flex-direction:column;}
.pcard.featured{background:var(--navy);color:#fff;border-color:var(--navy);}
.pcard .tag{align-self:flex-start;font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;background:var(--sand);color:var(--gold-dark);padding:6px 12px;border-radius:30px;margin-bottom:14px;}
.pcard.featured .tag{background:var(--gold);color:var(--navy-deep);}
.pcard h3{color:inherit;}
.pcard.featured h3{color:#fff;}
.pcard p{font-size:1.05rem;color:var(--ink-soft);}
.pcard.featured p{color:#d3e6f4;}
.pcard ul{list-style:none;margin:6px 0 0;padding:0;}
.pcard li{display:flex;gap:10px;align-items:flex-start;padding:7px 0;font-size:1.02rem;}
.pcard li svg{width:22px;height:22px;color:var(--green);flex:none;margin-top:2px;}
.pcard.featured li svg{color:#7fe0a8;}
.plans .note{max-width:72ch;margin:26px auto 0;text-align:center;font-size:.98rem;color:var(--ink-soft);}

.rates{background:var(--sand);}
.table-card{background:#fff;border-radius:20px;box-shadow:var(--shadow);border:1px solid var(--sand-line);overflow:hidden;max-width:900px;margin:0 auto;}
table.rate{width:100%;border-collapse:collapse;font-size:1.1rem;}
table.rate caption{padding:22px 22px 0;text-align:left;font-weight:700;color:var(--navy);font-size:1.15rem;}
table.rate th,table.rate td{padding:16px 22px;text-align:left;border-bottom:1px solid var(--sand-line);}
table.rate thead th{background:var(--navy);color:#fff;font-weight:700;font-size:1.05rem;}
table.rate tbody tr:nth-child(even){background:var(--cream);}
table.rate td.age{font-weight:700;color:var(--navy);}
table.rate td.price{font-weight:700;color:var(--green-dark);}
.rates .disclaimer{max-width:900px;margin:16px auto 0;font-size:.95rem;color:var(--ink-soft);}

.covers{background:var(--white);}
.covers-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.checklist{list-style:none;margin:0;padding:0;}
.checklist li{display:flex;gap:14px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--sand-line);font-size:1.12rem;}
.checklist li:last-child{border-bottom:0;}
.checklist svg{width:28px;height:28px;color:var(--green);flex:none;margin-top:2px;}
.covers .panel{background:var(--navy);color:#fff;border-radius:22px;padding:36px;box-shadow:var(--shadow);}
.covers .panel h3{color:#fff;font-size:1.6rem;}
.covers .panel p{color:#d3e6f4;font-size:1.1rem;}
.covers .panel .btn{margin-top:14px;}

.who-sec{background:var(--sand);}
.who-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:10px;}
.who-card{background:#fff;border:1px solid var(--sand-line);border-radius:var(--radius);padding:24px;text-align:center;}
.who-card svg{width:40px;height:40px;color:var(--teal);margin-bottom:10px;}
.who-card b{display:block;color:var(--navy);font-size:1.1rem;}
.who-card small{color:var(--ink-soft);font-size:1rem;}

.faq{background:var(--white);}
.faq-list{max-width:820px;margin:0 auto;}
details{background:var(--cream);border:1px solid var(--sand-line);border-radius:14px;margin-bottom:14px;box-shadow:var(--shadow-sm);}
summary{cursor:pointer;list-style:none;padding:22px 26px;font-family:'Merriweather',serif;font-weight:700;font-size:1.2rem;color:var(--navy);display:flex;justify-content:space-between;gap:16px;align-items:center;}
summary::-webkit-details-marker{display:none;}
summary .plus{flex:none;width:30px;height:30px;border-radius:50%;background:var(--sand);display:flex;align-items:center;justify-content:center;color:var(--navy);font-weight:900;transition:transform .2s;}
details[open] summary .plus{transform:rotate(45deg);background:var(--green);color:#fff;}
details .body{padding:0 26px 24px;color:var(--ink-soft);font-size:1.08rem;}
details .body p{margin:0 0 1rem;}
details .body p:last-child{margin:0;}

.finalcta{background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:#fff;text-align:center;}
.finalcta h2{color:#fff;font-size:2.4rem;}
.finalcta p{color:#d3e6f4;font-size:1.25rem;max-width:44ch;margin:0 auto 28px;}
.finalcta .btn-call{font-size:1.5rem;padding:24px 44px;}
.finalcta .hours{margin-top:16px;color:#a9c9df;font-size:1.05rem;}

footer.site{background:var(--navy-deep);color:#bcd4e5;font-size:1rem;padding:48px 0 120px;}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:30px;}
footer.site .name{font-family:'Merriweather',serif;font-weight:900;color:#fff;font-size:1.3rem;margin-bottom:8px;}
footer.site a{color:#d3e6f4;text-decoration:none;}
footer.site a:hover{text-decoration:underline;}
footer.site h4{color:#fff;font-size:1.05rem;margin:0 0 12px;letter-spacing:.03em;}
footer.site ul{list-style:none;margin:0;padding:0;}
footer.site li{margin-bottom:9px;}
.disclaimer-box{border-top:1px solid rgba(255,255,255,.14);padding-top:22px;font-size:.9rem;line-height:1.6;color:#94b4cb;}
.disclaimer-box p{margin:0 0 10px;}

.callbar{position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--green);box-shadow:0 -6px 20px rgba(0,0,0,.2);display:none;}
.callbar a{display:flex;align-items:center;justify-content:center;gap:12px;color:#fff;text-decoration:none;font-weight:800;font-size:1.3rem;padding:16px;}
.callbar svg{width:26px;height:26px;}

/* ===== Generic page + blog templates ===== */
.page-hero{background:linear-gradient(180deg,var(--cream),var(--sand));border-bottom:1px solid var(--sand-line);padding:48px 0;}
.page-hero .wrap{max-width:820px;}
.page-hero h1{margin:0;}
.page-hero .crumb{font-size:.95rem;color:var(--ink-soft);margin-bottom:10px;}
.content{padding:56px 0;}
.content .wrap{max-width:820px;}
.article-body{font-size:1.12rem;}
.article-body h2{margin-top:1.6em;font-size:1.7rem;}
.article-body h3{margin-top:1.4em;}
.article-body ul,.article-body ol{padding-left:1.3em;margin:0 0 1.2rem;}
.article-body li{margin-bottom:.5rem;}
.article-body a{color:var(--teal);}
.article-body blockquote{border-left:4px solid var(--gold);background:var(--cream);margin:1.4rem 0;padding:14px 22px;border-radius:0 10px 10px 0;}
.article-body img{border-radius:12px;margin:1.2rem 0;}
.article-body table{width:100%;border-collapse:collapse;margin:1.2rem 0;}
.article-body th,.article-body td{border:1px solid var(--sand-line);padding:10px 14px;text-align:left;}

.postmeta{color:var(--ink-soft);font-size:1rem;margin-bottom:18px;}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;}
.post-card{background:#fff;border:1px solid var(--sand-line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);}
.post-card .thumb{aspect-ratio:16/9;background:var(--sand);overflow:hidden;}
.post-card .thumb img{width:100%;height:100%;object-fit:cover;}
.post-card .pc-body{padding:22px;display:flex;flex-direction:column;gap:8px;flex:1;}
.post-card h3{margin:0;font-size:1.25rem;}
.post-card h3 a{color:var(--navy);text-decoration:none;}
.post-card .excerpt{color:var(--ink-soft);font-size:1rem;margin:0;}
.post-card .readmore{margin-top:auto;font-weight:700;color:var(--teal);text-decoration:none;}

.two-col{display:grid;grid-template-columns:1fr 320px;gap:40px;align-items:start;}
.sidebar{background:var(--cream);border:1px solid var(--sand-line);border-radius:var(--radius);padding:24px;}
.sidebar .widget{margin-bottom:26px;}
.sidebar .widget:last-child{margin-bottom:0;}
.sidebar .widget-title{font-family:'Merriweather',serif;font-size:1.15rem;color:var(--navy);margin:0 0 12px;}
.sidebar ul{list-style:none;margin:0;padding:0;}
.sidebar li{margin-bottom:8px;}
.sidebar a{color:var(--teal);text-decoration:none;}
.sidebar .cta-box{background:var(--navy);color:#fff;border-radius:14px;padding:22px;text-align:center;}
.sidebar .cta-box p{color:#d3e6f4;}
.sidebar .cta-box .btn{width:100%;font-size:1.1rem;padding:14px 18px;min-height:0;}

.pagination{display:flex;gap:10px;justify-content:center;margin-top:40px;flex-wrap:wrap;}
.pagination a,.pagination span{padding:10px 16px;border-radius:8px;border:1px solid var(--sand-line);text-decoration:none;color:var(--navy);font-weight:600;}
.pagination .current{background:var(--navy);color:#fff;border-color:var(--navy);}

.comments{margin-top:44px;border-top:1px solid var(--sand-line);padding-top:30px;}
.comment-list{list-style:none;margin:0;padding:0;}
.comment-list li{background:var(--cream);border:1px solid var(--sand-line);border-radius:12px;padding:18px 20px;margin-bottom:16px;}
.comment-form input[type=text],.comment-form input[type=email],.comment-form input[type=url],.comment-form textarea{width:100%;padding:12px 14px;border:1px solid var(--sand-line);border-radius:10px;font-size:1.05rem;font-family:inherit;margin-bottom:14px;}
.comment-form input[type=submit]{background:var(--green);color:#fff;border:0;border-radius:60px;padding:14px 28px;font-weight:700;font-size:1.1rem;cursor:pointer;}

.error404 .content .wrap{text-align:center;}
.error404 .big{font-family:'Merriweather',serif;font-size:5rem;color:var(--gold);line-height:1;margin-bottom:10px;}

.aligncenter{margin-left:auto;margin-right:auto;}
.alignright{float:right;margin:0 0 1rem 1.5rem;}
.alignleft{float:left;margin:0 1.5rem 1rem 0;}
.wp-caption{max-width:100%;}
.wp-caption-text{font-size:.95rem;color:var(--ink-soft);text-align:center;}

/* Hide the secondary "speak with an agent" phone block before the header gets tight (the green Call Now button still carries the CTA) */
@media(max-width:1200px){
  .header-call .callline{display:none;}
}
@media(max-width:1024px){
  .hero-grid,.problem-grid,.covers-grid,.explain-grid{grid-template-columns:1fr;gap:34px;}
  .bgrid,.steps,.pgrid,.blog-grid{grid-template-columns:1fr;}
  .who-grid{grid-template-columns:1fr 1fr;}
  .two-col{grid-template-columns:1fr;}
  h1{font-size:2.2rem;}h2{font-size:1.75rem;}
  .header-call .callline{display:none;}
  nav.primary{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--sand-line);padding:8px 0;box-shadow:var(--shadow);}
  nav.primary.open{display:flex;}
  nav.primary ul{flex-direction:column;gap:0;width:100%;}
  nav.primary a{padding:14px 22px;border-bottom:1px solid var(--sand-line);font-size:1.15rem;display:block;}
  .navtoggle{display:flex;}
}
@media(max-width:620px){
  body{font-size:19px;}
  .topbar .wrap{justify-content:center;text-align:center;}
  .hero{padding:36px 0 28px;}
  .hero-cta .btn{width:100%;}
  footer.site .cols{grid-template-columns:1fr;}
  .callbar{display:block;}
  .who-grid{grid-template-columns:1fr;}
  h1{font-size:2rem;}
}

/* ===== v1.0.3 UHC-inspired conversion components ===== */

/* Footnote markers + block */
sup.fn{color:var(--gold-dark);font-weight:700;font-size:.7em;cursor:help;}
.footnotes{background:var(--cream);border-top:1px solid var(--sand-line);padding:34px 0;}
.footnotes .wrap{max-width:900px;}
.footnotes h4{font-family:'Source Sans 3',sans-serif;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;color:var(--ink-soft);margin:0 0 12px;}
.footnotes ol{margin:0;padding-left:20px;color:var(--ink-soft);font-size:.92rem;line-height:1.6;}
.footnotes li{margin-bottom:8px;}

/* Hero eligibility quiz card */
.quiz{background:#fff;border-radius:22px;box-shadow:var(--shadow);border:1px solid var(--sand-line);padding:28px;position:relative;overflow:hidden;}
.quiz::before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--navy),var(--teal),var(--green));}
.quiz h3{color:var(--navy);font-size:1.45rem;margin-bottom:4px;}
.quiz .sub{color:var(--ink-soft);margin-bottom:18px;font-size:1.02rem;}
.quiz .progress{display:flex;gap:6px;margin-bottom:20px;}
.quiz .progress i{height:6px;flex:1;border-radius:6px;background:var(--sand-line);}
.quiz .progress i.on{background:var(--green);}
.qstep{display:none;}
.qstep.active{display:block;}
.qstep .q{font-weight:700;color:var(--navy);font-size:1.15rem;margin-bottom:14px;}
.opt{display:flex;gap:10px;flex-wrap:wrap;}
.opt button{flex:1;min-width:90px;background:var(--cream);border:2px solid var(--sand-line);border-radius:12px;padding:14px;font-family:inherit;font-weight:700;font-size:1.05rem;color:var(--navy);cursor:pointer;transition:.12s;}
.opt button:hover{border-color:var(--teal);background:#fff;}
.ziprow{display:flex;gap:10px;margin-top:6px;}
.ziprow input{flex:1;padding:16px;border:2px solid var(--sand-line);border-radius:12px;font-size:1.15rem;font-family:inherit;letter-spacing:.15em;}
.ziprow input:focus{outline:none;border-color:var(--teal);}
.qgo{background:var(--navy);color:#fff;border:0;border-radius:12px;padding:0 22px;font-weight:800;font-size:1.05rem;cursor:pointer;}
.qback{background:none;border:0;color:var(--ink-soft);font-family:inherit;font-weight:600;cursor:pointer;margin-top:14px;padding:0;}
.result{text-align:center;}
.result .ok{width:64px;height:64px;border-radius:50%;background:rgba(31,122,77,.12);display:flex;align-items:center;justify-content:center;margin:0 auto 12px;}
.result .ok svg{width:34px;height:34px;color:var(--green);}
.result h4{font-family:'Merriweather',serif;color:var(--navy);font-size:1.4rem;margin:0 0 8px;}
.result p{color:var(--ink-soft);font-size:1.05rem;margin:0 0 18px;}
.result .btn-call{width:100%;}
.quiz .fine{font-size:.85rem;color:var(--ink-soft);text-align:center;margin:12px 0 0;}

/* "Is a dual plan right for you?" two column */
.rightfor{background:var(--white);}
.rf-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;}
.rf-card{border-radius:var(--radius);padding:30px;border:1px solid var(--sand-line);}
.rf-yes{background:linear-gradient(180deg,#fff,rgba(31,122,77,.05));border-color:rgba(31,122,77,.3);}
.rf-no{background:var(--cream);}
.rf-card h3{display:flex;align-items:center;gap:10px;font-size:1.3rem;}
.rf-card h3 .b{width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex:none;}
.rf-card h3 .b svg{width:20px;height:20px;}
.rf-yes .b{background:var(--green);color:#fff;}
.rf-no .b{background:var(--gold);color:var(--navy-deep);}
.rf-card ul{list-style:none;margin:0;padding:0;}
.rf-card li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid var(--sand-line);font-size:1.05rem;}
.rf-card li:last-child{border-bottom:0;}
.rf-card li svg{width:22px;height:22px;flex:none;margin-top:3px;}
.rf-yes li svg{color:var(--green);}
.rf-no li svg{color:var(--gold-dark);}

/* Eligibility deep dive (full vs partial + checklists) */
.elig{background:var(--sand);}
.elig-lvl{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:36px;}
.lvl{border:1px solid var(--sand-line);border-radius:var(--radius);padding:26px;background:#fff;}
.lvl .tag{display:inline-block;font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;background:var(--sand);color:var(--gold-dark);padding:5px 12px;border-radius:30px;margin-bottom:10px;}
.lvl h3{font-size:1.25rem;margin-bottom:6px;}
.lvl p{margin:0;color:var(--ink-soft);font-size:1.02rem;}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:24px;}
.checkcol{background:#fff;border:1px solid var(--sand-line);border-radius:var(--radius);padding:26px;}
.checkcol h3{display:flex;align-items:center;gap:10px;font-size:1.2rem;}
.checkcol h3 svg{width:26px;height:26px;color:var(--navy);flex:none;}
.checkcol ul{list-style:none;margin:0;padding:0;}
.checkcol li{display:flex;gap:12px;padding:9px 0;font-size:1.02rem;color:var(--ink-soft);}
.checkcol li svg{width:20px;height:20px;color:var(--green);flex:none;margin-top:3px;}

@media(max-width:1024px){
  .rf-grid{grid-template-columns:1fr;}
  .elig-lvl,.checks{grid-template-columns:1fr;}
}