/* Keevia Insurance — keeviaagency.com */
:root{
  --navy:#12284A; --navy-2:#1E3A63; --navy-ink:#0A1830;
  --gold:#E3A83B; --gold-soft:#FFF7E6; --gold-line:#F1DDB0;
  --gray:#F3F5F8; --line:#E4E8EE; --line-2:#C9D1DC;
  --ink:#1B2430; --body:#3A4553; --muted:#55606E; --on-navy:#DCE3EE; --on-navy-2:#C9D3E2;
  --goldie:#0B3948; --goldie-sun:#F2B544; --goldie-ink:#D5E3E8;
  --radius:20px; --pill:999px; --max:1200px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',sans-serif;font-size:16px;line-height:1.5}
img{max-width:100%;height:auto}
a{color:var(--navy)}a:hover{color:var(--navy-ink)}
h1,h2,h3{color:var(--navy);margin:0}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding-left:24px;padding-right:24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:10;background:#fff;padding:10px 14px;border-radius:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* Header */
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 16px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;text-decoration:none;min-height:44px}
.brand img{display:block;height:36px;width:auto}
@media (max-width:420px){.brand img{height:24px}.site-header .wrap{column-gap:8px}.nav-toggle{padding:0 12px!important}}
@media (max-width:340px){.brand img{height:21px}}
.brand-mark{width:38px;height:38px;border-radius:10px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text b{font-size:19px;font-weight:800;letter-spacing:-.3px}
.brand-text small{font-size:12px;color:var(--muted);font-weight:600}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:6px 20px;font-size:15px;font-weight:600}
.nav a{text-decoration:none;padding:6px 0}
.nav a.btn{padding:10px 20px;white-space:nowrap}
.nav a[aria-current="page"]{border-bottom:2px solid var(--gold)}
.nav-toggle{display:none}
@media (max-width:860px){
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center;min-width:44px;min-height:44px;border:1px solid var(--line-2);border-radius:12px;background:#fff;color:var(--navy);font:inherit;font-weight:700;padding:0 14px;cursor:pointer}
  .nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:0;padding-top:8px}
  .nav.open{display:flex}
  .nav a{padding:12px 4px;border-bottom:1px solid var(--line)}
  .nav a[aria-current="page"]{border-bottom:1px solid var(--line);box-shadow:inset 3px 0 0 var(--gold);padding-left:12px}
  .nav .btn{margin-top:12px;justify-content:center}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;text-decoration:none;font-weight:700;font-size:17px;padding:13px 26px;border-radius:var(--pill);border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2;text-align:center}
.btn-sm{min-height:44px;font-size:15px;padding:10px 18px}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-ink);color:#fff}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#D4962A;color:var(--navy)}
.btn-line{background:#fff;color:var(--navy);border-color:var(--line-2)}.btn-line:hover{border-color:var(--navy)}
.btn-ghost{background:transparent;color:#fff;border-color:#5B6F8E}.btn-ghost:hover{border-color:#fff;color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* Sections */
.sec{padding:88px 0}.sec-sm{padding:64px 0}
.bg-gray{background:var(--gray)}.bg-navy{background:var(--navy);color:#fff}.bg-gold{background:var(--gold-soft);border-top:1px solid var(--gold-line);border-bottom:1px solid var(--gold-line)}
.bg-navy h1,.bg-navy h2,.bg-navy h3{color:#fff}
.eyebrow{margin:0 0 10px;font-size:14px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--muted)}
.bg-navy .eyebrow{color:var(--on-navy-2)}
.eyebrow-gold{color:var(--gold)!important}
.h1{font-size:clamp(38px,5.4vw,60px);line-height:1.05;letter-spacing:-1.6px;font-weight:800;margin:0 0 22px}
.h2{font-size:clamp(30px,3.6vw,40px);line-height:1.1;letter-spacing:-1px;font-weight:800;margin:0 0 20px}
.lede{font-size:clamp(18px,1.6vw,20px);line-height:1.55;color:var(--body);max-width:620px;margin:0 0 32px}
.bg-navy .lede{color:var(--on-navy)}
.body-lg{font-size:18px;line-height:1.6;color:var(--body)}
.bg-navy .body-lg{color:var(--on-navy)}
.split{display:flex;flex-wrap:wrap;gap:56px;align-items:center}
.split-top{align-items:flex-start}
.split>*{min-width:0}
.grow{flex:999 1 520px}.side{flex:1 1 380px}.half{flex:1 1 420px}

/* Cards */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(min(260px,100%),1fr))}
.card{background:#fff;border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;gap:10px}
.card-line{border:1px solid var(--line)}
.card h3{font-size:20px;font-weight:700}
.card p{font-size:16px;line-height:1.5;color:var(--body)}
.bg-gray .card-soft,.card-soft{background:var(--gray)}
.icon{width:30px;height:30px;stroke:var(--navy);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* Hero */
.hero{background:var(--gray)}
.hero .wrap{padding-top:88px;padding-bottom:80px}
.hero-photo{position:relative}
.hero .grow{flex:1 1 440px}
.hero .hero-photo{flex:1.25 1 520px}
.hero-photo img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;object-position:center 35%;border-radius:28px;background:#E8EEF7}
.hero-tag{position:absolute;left:20px;bottom:20px;background:#fff;border-radius:var(--pill);padding:12px 20px;font-size:15px;font-weight:700;color:var(--navy);box-shadow:0 8px 24px rgba(18,40,74,.18)}
@media (max-width:640px){.hero .wrap{padding-top:48px;padding-bottom:48px}.hero-photo img{aspect-ratio:4/3}.sec{padding:64px 0}.split{gap:36px}}

/* Goldie */
.goldie{background:var(--goldie);color:#fff;border-radius:28px;padding:clamp(28px,4vw,48px);display:flex;flex-wrap:wrap;gap:24px 32px;align-items:center;justify-content:space-between}
.goldie h2,.goldie h3{color:#fff}
.goldie p{color:var(--goldie-ink);font-size:18px;line-height:1.55;max-width:620px}
.goldie-word{font-size:34px;font-weight:800;letter-spacing:-.6px}.goldie-word span{color:var(--goldie-sun)}
.btn-goldie{background:var(--goldie-sun);color:var(--goldie)}.btn-goldie:hover{background:#E5A52F;color:var(--goldie)}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:32px;grid-template-columns:repeat(auto-fit,minmax(min(260px,100%),1fr))}
.steps li{display:flex;flex-direction:column;gap:10px}
.num{width:44px;height:44px;flex:none;border-radius:var(--pill);background:var(--gold);color:var(--navy);font-weight:800;font-size:18px;display:flex;align-items:center;justify-content:center}
.steps h3{font-size:20px}.steps p{color:var(--body)}
.list-rows{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:16px}
.list-rows li{display:flex;gap:16px;align-items:flex-start;background:var(--gray);border-radius:18px;padding:22px}
.list-rows h3{font-size:18px;margin-bottom:4px}.list-rows p{color:var(--body)}

/* Carriers */
.carriers{list-style:none;margin:0;padding:0;display:grid;gap:16px;grid-template-columns:repeat(4,1fr)}@media (max-width:640px){.carriers{grid-template-columns:repeat(2,1fr)}}
.carriers li{height:110px;border:1px solid var(--line);border-radius:16px;display:flex;align-items:center;justify-content:center;padding:18px}
.carriers img{max-height:60px;width:auto;object-fit:contain}
.center{text-align:center}

/* Chips */
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{background:var(--navy-2);border-radius:var(--pill);padding:8px 14px;font-size:15px;font-weight:600}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px;font-size:17px;color:var(--on-navy)}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks svg{flex:none;margin-top:2px}

/* Forms */
.form{background:#fff;border-radius:24px;padding:32px;display:flex;flex-direction:column;gap:16px}
.form label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:700;color:var(--navy)}
.form input[type=text],.form input[type=tel],.form select{font:inherit;font-weight:400;font-size:16px;padding:14px;border:1px solid var(--line-2);border-radius:12px;background:#fff;color:var(--ink);min-height:48px}
.form .consent{flex-direction:row;gap:10px;align-items:flex-start;font-size:13px;font-weight:400;line-height:1.5;color:var(--muted)}
.form .consent input{margin-top:3px;width:18px;height:18px;flex:none}
.form-msg{font-size:15px;font-weight:600;border-radius:12px;padding:12px 14px}
.form-msg.ok{background:#E7F4EE;color:#14573F}.form-msg.err{background:#FDECEC;color:#8A1F1F}
.hp{position:absolute;left:-9999px}

/* Facts */
.facts{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr))}
.facts b{display:block;font-size:40px;font-weight:800;letter-spacing:-1px}
.facts span{font-size:15px;color:var(--on-navy-2)}

/* Team */
.team{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(min(240px,100%),1fr))}
.headshot{height:260px;border-radius:20px;background:#E8EEF7;display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:15px;font-weight:600}
.team b{display:block;font-size:19px;color:var(--navy);margin-top:12px}.team span{display:block;font-size:15px;color:var(--body)}.team small{display:block;font-size:14px;color:var(--muted)}

/* Footer */
.site-footer{background:var(--navy);color:var(--on-navy-2);font-size:15px;line-height:1.7}
.site-footer a{color:var(--on-navy-2);text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}
.foot-cols{display:flex;flex-wrap:wrap;gap:40px;justify-content:space-between;padding-top:56px;padding-bottom:40px}
.foot-cols>*{flex:1 1 200px;min-width:0}
.foot-cols b{color:#fff;display:block;margin-bottom:6px}
.foot-cols nav{display:flex;flex-direction:column;gap:2px}
.foot-cols .strong{color:#fff;font-weight:700}
.foot-legal{border-top:1px solid #2A4470;padding-top:24px;padding-bottom:32px;font-size:13px;line-height:1.6;color:#AEBBD0;display:flex;flex-direction:column;gap:10px}

/* Learning Center */
.topics{display:flex;flex-wrap:wrap;gap:8px}
.topic{text-decoration:none;background:#fff;border:1px solid var(--line-2);border-radius:var(--pill);padding:10px 18px;font-size:15px;font-weight:600;cursor:pointer;font-family:inherit;color:var(--navy);min-height:44px}
.topic[aria-pressed="true"]{background:var(--navy);color:#fff;border-color:var(--navy)}
.feature{text-decoration:none;display:flex;flex-wrap:wrap;background:#fff;border-radius:24px;overflow:hidden;color:var(--ink)}
.feature img{flex:1 1 460px;min-width:0;height:380px;object-fit:cover;display:block}
.feature>div{flex:1 1 420px;min-width:0;padding:40px;display:flex;flex-direction:column;justify-content:center;gap:14px}
.feature h2{font-size:clamp(24px,2.6vw,32px);line-height:1.15;letter-spacing:-.6px;font-weight:800}
@media (max-width:640px){.feature img{height:220px}.feature>div{padding:28px}}
.post-card{text-decoration:none;color:var(--ink);border:1px solid var(--line);border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:12px;background:#fff}
.post-card:hover{border-color:var(--line-2);box-shadow:0 6px 20px rgba(18,40,74,.08)}
.post-card h3{font-size:21px;line-height:1.25;font-weight:700}
.post-card p{font-size:15px;line-height:1.5;color:var(--body)}
.post-card time{margin-top:auto;font-size:14px;color:var(--muted)}
.tag{align-self:flex-start;border-radius:var(--pill);padding:6px 12px;font-size:13px;font-weight:700}
.tag-medicare{background:#E8EEF7;color:var(--navy)}.tag-life{background:#E7F4EE;color:#14573F}.tag-final{background:var(--gold-soft);color:#6B4E12}.tag-health{background:#EFEDFF;color:#3B2F8F}.tag-news{background:#F1F2F4;color:#3A4553}
.meta{font-size:14px;color:var(--muted)}

/* Article */
.crumbs{font-size:14px;color:var(--muted);margin-bottom:20px}.crumbs a{text-decoration:none}
.post-title{font-size:clamp(32px,4.4vw,48px);line-height:1.08;letter-spacing:-1.3px;font-weight:800;max-width:900px;margin:0 0 18px}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:12px;font-size:15px;color:var(--muted)}
.avatar{width:40px;height:40px;border-radius:var(--pill);background:var(--navy);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:800;flex:none}
.post-hero img{display:block;width:100%;height:clamp(220px,34vw,460px);object-fit:cover;border-radius:24px}
.post-layout{display:flex;flex-wrap:wrap;gap:56px;align-items:flex-start;padding-top:48px;padding-bottom:72px}
.article{flex:999 1 600px;min-width:0;max-width:740px;font-size:18px;line-height:1.7;color:#2A3441}
.article>p,.article>ul,.article>ol{margin:0 0 20px}
.article h2{margin:40px 0 14px;font-size:clamp(24px,2.6vw,30px);line-height:1.2;letter-spacing:-.5px;font-weight:800;scroll-margin-top:96px}
.article h3{margin:28px 0 10px;font-size:21px;line-height:1.3;font-weight:700}
.article li{margin-bottom:8px}
.article blockquote{margin:28px 0;padding:4px 0 4px 20px;border-left:4px solid var(--gold);font-size:19px;color:var(--navy)}
.takeaways{background:var(--gray);border-radius:18px;padding:24px 28px;margin-bottom:36px}
.takeaways h2{margin:0 0 10px!important;font-size:16px!important;text-transform:uppercase;letter-spacing:1px}
.takeaways ul{margin:0;padding-left:20px;font-size:17px;line-height:1.6}
.table-box{overflow-x:auto;margin:0 0 28px}
.table-box table{width:100%;border-collapse:collapse;font-size:16px;min-width:460px}
.table-box th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px}
.table-box th:not(:first-child),.table-box td:not(:first-child){text-align:right}
.table-box td{padding:12px 16px;border-bottom:1px solid var(--line)}
.table-box tr.total td{background:var(--gold-soft);font-weight:800;color:var(--navy);border-bottom:0}
.cta-box{border:2px solid var(--navy);border-radius:20px;padding:28px;margin:36px 0;display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.cta-box div{flex:999 1 320px;min-width:0}.cta-box b{display:block;font-size:20px;color:var(--navy);margin-bottom:4px;line-height:1.3}.cta-box span{font-size:16px;color:var(--body)}
.faq{border-top:1px solid var(--line)}
.faq>div{border-bottom:1px solid var(--line);padding:18px 0}
.faq h3{margin:0 0 6px!important;font-size:19px!important}
.faq p{margin:0;font-size:17px}
.author{display:flex;gap:16px;align-items:flex-start;background:var(--gray);border-radius:18px;padding:24px;margin-top:40px}
.author .avatar{width:52px;height:52px;font-size:22px}
.author b{display:block;color:var(--navy);font-size:17px}.author span{display:block;font-size:15px;line-height:1.55;color:var(--body)}
.disclaimer{margin:24px 0 0;font-size:13px;line-height:1.6;color:var(--muted)}
.aside{flex:1 1 280px;min-width:0;display:flex;flex-direction:column;gap:24px;position:sticky;top:96px}
@media (max-width:960px){.aside{position:static}}
.aside-cta{background:var(--navy);color:#fff;border-radius:20px;padding:28px;display:flex;flex-direction:column;gap:12px}
.aside-cta b{font-size:20px;line-height:1.25}.aside-cta span{font-size:15px;line-height:1.5;color:var(--on-navy)}
.toc{border:1px solid var(--line);border-radius:20px;padding:24px;font-size:15px;display:flex;flex-direction:column;gap:10px}
.toc b{color:var(--navy);font-size:16px}.toc a{text-decoration:none;color:#1B4F8F}.toc a:hover{text-decoration:underline}
.related{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(min(280px,100%),1fr))}
.related a{text-decoration:none;background:#fff;border-radius:18px;padding:24px;color:var(--ink)}
.related a span{font-size:13px;font-weight:700;color:var(--muted)}.related a h3{margin:8px 0 0;font-size:19px;line-height:1.3}

/* Simple pages */
.prose{max-width:760px;font-size:17px;line-height:1.7;color:#2A3441}
.prose p,.prose ul{margin:0 0 16px}.prose h2{font-size:22px;margin:32px 0 10px}
.qa{border-top:1px solid var(--line)}
.qa details{border-bottom:1px solid var(--line);padding:6px 0}
.qa summary{cursor:pointer;list-style:none;padding:16px 36px 16px 0;font-size:19px;font-weight:700;color:var(--navy);position:relative}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:26px;font-weight:400}
.qa details[open] summary::after{content:"–"}
.qa details p{margin:0 0 16px;font-size:17px;line-height:1.65;color:var(--body)}
.embed{background:#fff;border-radius:24px;padding:12px;min-height:640px}
.embed iframe{width:100%;border:0;min-height:640px;overflow:hidden}
.ph{background:#FFF3C4;color:#5A4500;padding:0 4px;border-radius:4px}

/* Quote form */
.qform{padding:clamp(22px,4vw,36px);gap:18px;box-shadow:0 10px 30px rgba(18,40,74,.08)}
.qform h2{font-size:clamp(22px,2.4vw,26px);font-weight:800;letter-spacing:-.4px;margin:0 0 4px}
.qform fieldset{border:0;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.qform legend{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:6px;padding:0}
.qform .qstep>div,.qform .qstep{display:flex;flex-direction:column;gap:16px}
.qform .qstep[hidden],.qform [data-for][hidden]{display:none}
.qform label small{font-weight:500;color:var(--muted)}
.qform input[type=email],.qform input[type=date]{font:inherit;font-weight:400;font-size:16px;padding:14px;border:1px solid var(--line-2);border-radius:12px;background:#fff;color:var(--ink);min-height:48px}
.qprog{height:6px;background:var(--gray);border-radius:99px;overflow:hidden}
.qprog span{display:block;height:100%;width:12%;background:var(--gold);transition:width .3s}
.qcount{font-size:13px;font-weight:700;color:var(--muted);margin:-8px 0 0;text-transform:uppercase;letter-spacing:1px}
.choices{display:flex;flex-wrap:wrap;gap:10px}
.choices.big{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(240px,100%),1fr))}
.choice{position:relative;flex-direction:row!important;gap:0!important;cursor:pointer}
.choice input{position:absolute;opacity:0;width:1px;height:1px}
.choice span{display:flex;flex-direction:column;gap:2px;border:1.5px solid var(--line-2);border-radius:14px;padding:12px 18px;min-height:48px;justify-content:center;font-weight:600;font-size:16px;color:var(--ink);background:#fff;width:100%}
.choices.big .choice span{padding:18px 20px;min-height:84px}
.choice span b{font-size:17px;color:var(--navy)}
.choice span small{font-size:14px;font-weight:500;color:var(--muted)}
.choice:hover span{border-color:var(--navy)}
.choice-link{text-decoration:none;display:flex}
.choice-link span{border-color:#9FD3C5;background:#F3FBF8}
.choice input:checked+span{border-color:var(--navy);background:#EEF2F8;box-shadow:inset 0 0 0 1px var(--navy)}
.choice input:focus-visible+span{outline:3px solid var(--gold);outline-offset:2px}
.row2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(220px,100%),1fr));gap:16px}
.qnote{font-size:14px;color:var(--muted);margin:0}
.qnav{display:flex;gap:12px;justify-content:space-between;flex-wrap:wrap}
.qnav .btn{flex:1 1 160px}
.qnav #qback{flex:0 1 120px}
.qdone h2{font-size:26px}.qdone p{font-size:17px;line-height:1.6;color:var(--body)}
.qform .consent span{font-size:12.5px;line-height:1.55}
.toc span{color:var(--body);line-height:1.5}

[hidden]{display:none!important}