:root{--ac-navy:#173f67;--ac-blue:#0874b9;--ac-deep:#0e3557;--ac-ink:#13273c;--ac-muted:#5a6c7d;--ac-soft:#f3f6f8;--ac-line:#d9e2e8;--ac-yellow:#f3c342;--ac-shadow:0 18px 48px rgba(16,47,78,.12)}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}html.ac-mega-is-open{overflow:hidden}.ac-body{margin:0;color:var(--ac-ink);font-family:"DM Sans",Arial,sans-serif;background:#fff}.ac-body img{display:block;max-width:100%}.ac-shell{width:min(1500px,calc(100% - 64px));margin:auto}

/* HEADER */
.ac-header{position:sticky;top:0;z-index:1000;background:#fff;border-bottom:1px solid #dfe6eb}.ac-header__inner{width:min(1500px,calc(100% - 48px));min-height:96px;margin:auto;display:flex;align-items:center;gap:34px}.ac-brand{display:flex;align-items:center;gap:15px;text-decoration:none;color:var(--ac-ink);flex:0 0 auto}.ac-brand__logo{width:142px;height:70px;object-fit:contain}.ac-brand__copy{display:grid;gap:2px}.ac-brand__copy strong{font:800 18px "Plus Jakarta Sans",sans-serif}.ac-brand__copy b{font-size:23px;color:#0c6eae}.ac-nav{margin-left:auto;display:flex;align-items:stretch;min-height:96px}.ac-nav-trigger,.ac-nav-link{appearance:none;-webkit-appearance:none;border:0;border-bottom:4px solid transparent;background:transparent;color:#23364a;min-height:96px;padding:0 17px;display:inline-flex;align-items:center;gap:7px;font:800 16px/1 "DM Sans",sans-serif;text-decoration:none;white-space:nowrap;cursor:pointer}.ac-nav-trigger:hover,.ac-nav-trigger:focus-visible,.ac-nav-link:hover,.ac-nav-link:focus-visible{color:#075f93;background:#f7fafb;outline:none}.ac-nav-trigger[aria-expanded="true"]{color:#075f93;border-bottom-color:#0874b9;background:#f7fafb}.ac-nav-trigger span{font-size:15px;transition:transform .18s ease}.ac-nav-trigger[aria-expanded="true"] span{transform:rotate(180deg)}.ac-nav__cta{align-self:center;margin-left:10px;padding:14px 20px;border-radius:4px;background:#0874b9;color:#fff;font-weight:900;text-decoration:none;white-space:nowrap}.ac-nav__cta:hover{background:#065f98}.ac-menu-button{display:none;margin-left:auto;padding:12px 14px;border:1px solid #d5dfe6;background:#fff;color:#153852;font:800 15px inherit;cursor:pointer;gap:8px;align-items:center}

/* MUTUAL-INSPIRED MEGA SHEET */
.ac-mega-wrap{position:absolute;left:0;right:0;top:100%;z-index:1200}.ac-mega-wrap[hidden]{display:none}.ac-mega-scrim{position:fixed;inset:96px 0 0;background:rgba(10,31,50,.12);opacity:0;transition:opacity .18s ease}.ac-mega-wrap.is-open .ac-mega-scrim{opacity:1}.ac-mega{position:relative;width:100%;background:#fff;border-top:1px solid #dce4e9;border-bottom:1px solid #d6e0e7;box-shadow:0 18px 32px rgba(24,49,70,.12);opacity:0;transform:translateY(-6px);transition:opacity .18s ease,transform .18s ease}.ac-mega[hidden]{display:none}.ac-mega.is-open{opacity:1;transform:translateY(0)}.ac-mega__topline{width:min(1500px,calc(100% - 64px));margin:auto;padding:23px 0 18px;display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #e0e6ea}.ac-mega__topline p{margin:0;color:#26425a;font-size:13px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}.ac-mega__close{appearance:none;border:0;background:transparent;color:#24425a;font:800 15px "DM Sans",sans-serif;display:inline-flex;align-items:center;gap:9px;cursor:pointer}.ac-mega__close span{font-size:28px;font-weight:300;line-height:1}.ac-mega__grid{width:min(1500px,calc(100% - 64px));margin:auto;display:grid;grid-template-columns:1.08fr 1fr 1fr;padding:28px 0 34px}.ac-mega__lead{padding:10px 54px 8px 0}.ac-mega__lead h2{margin:8px 0 12px;max-width:430px;font:800 clamp(27px,2.2vw,38px)/1.08 "Plus Jakarta Sans",sans-serif;letter-spacing:-.03em;color:#143a5c}.ac-mega__lead>p:not(.ac-mega__eyebrow){max-width:470px;margin:0 0 24px;color:#5c6f7f;font-size:16px;line-height:1.55}.ac-mega__lead>a{display:inline-flex;gap:10px;color:#086da9;font-weight:900;text-decoration:none}.ac-mega__eyebrow{margin:0;color:#0874b9;font-size:12px;font-weight:900;letter-spacing:.13em}.ac-mega__col{padding:7px 36px 5px;border-left:1px solid #dfe6ea}.ac-mega__col h3{margin:0 0 11px;color:#263f55;font-size:13px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}.ac-mega__col a{display:block;padding:12px 0;color:#18354d;text-decoration:none;border-bottom:1px solid #edf1f3}.ac-mega__col a:last-child{border-bottom:0}.ac-mega__col a:hover strong{color:#0874b9}.ac-mega__col strong{display:block;font-size:17px;line-height:1.25}.ac-mega__col small{display:block;margin-top:4px;color:#687a89;font-size:13px;line-height:1.35}.ac-mega__grid--questions .ac-mega__col a{padding:16px 0}.ac-mega__grid--questions .ac-mega__col strong{font-size:16px}

/* HERO + REST OF LANDING */
.ac-hero{display:grid;grid-template-columns:1fr 1fr;min-height:720px;background:var(--ac-navy)}.ac-media{margin:0;overflow:hidden;min-height:520px}.ac-media img{width:100%;height:100%;object-fit:cover;object-position:center}.ac-media--hero{min-height:720px}.ac-media--hero img{object-position:center 40%}.ac-hero__copy{display:flex;flex-direction:column;justify-content:center;padding:64px clamp(38px,5vw,90px);color:#fff}.ac-eyebrow{margin:0 0 13px;color:#0875be;font-size:14px;font-weight:900;letter-spacing:.13em}.ac-eyebrow--light{color:#add9f7}.ac-hero h1{font:800 clamp(46px,4.5vw,76px)/1.03 "Plus Jakarta Sans",sans-serif;letter-spacing:-.045em;margin:0 0 22px;max-width:760px}.ac-lead{font-size:21px;line-height:1.55;color:#dbe8f3;max-width:720px;margin:0 0 30px}.ac-review-card{background:#fff;color:var(--ac-ink);padding:28px 30px;border-radius:24px;box-shadow:var(--ac-shadow);max-width:760px}.ac-review-card>span{font-size:13px;font-weight:900;letter-spacing:.12em;color:#0c74b9}.ac-review-card h2{font:800 34px/1.1 "Plus Jakarta Sans",sans-serif;margin:7px 0 9px}.ac-review-card p{font-size:18px;color:var(--ac-muted);margin:0 0 18px}.ac-review-card label{font-size:14px;font-weight:800}.ac-review-card small{display:block;color:#67798b;line-height:1.45;margin-top:12px}.ac-zip-row{display:flex;gap:10px;margin-top:7px}.ac-zip-row input{min-width:0;flex:1;border:1px solid #c8d4df;border-radius:12px;padding:15px 16px;font:700 18px inherit;outline:none}.ac-zip-row input:focus{border-color:var(--ac-blue);box-shadow:0 0 0 3px rgba(11,120,200,.14)}.ac-zip-row button,.ac-button,.ac-actions a{border:0;border-radius:12px;background:var(--ac-blue);color:#fff;text-decoration:none;font-weight:900;padding:15px 19px;cursor:pointer}.ac-steps{background:#fff;border-bottom:1px solid var(--ac-line)}.ac-steps__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;padding-block:44px}.ac-step{display:grid;grid-template-columns:62px 1fr;gap:18px}.ac-step>span{width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:var(--ac-yellow);font-size:25px;font-weight:900}.ac-step h3{font-size:23px;margin:1px 0 8px}.ac-step p{color:var(--ac-muted);font-size:17px;line-height:1.55;margin:0}.ac-review-band{display:grid;grid-template-columns:1fr 1.12fr;min-height:590px;background:var(--ac-soft)}.ac-review-band__card{display:flex;flex-direction:column;justify-content:center;padding:70px clamp(38px,7vw,120px)}.ac-review-band__card h2,.ac-section-title,.ac-editorial__copy h2,.ac-final h2{font:800 clamp(42px,4vw,66px)/1.04 "Plus Jakarta Sans",sans-serif;letter-spacing:-.045em;margin:0 0 18px}.ac-review-band__card>p:not(.ac-eyebrow){font-size:20px;line-height:1.55;color:var(--ac-muted);max-width:650px}.ac-media--curve{border-radius:48% 0 0 48%}.ac-section{padding:82px 0;background:#fff}.ac-section-intro{font-size:20px;color:var(--ac-muted);max-width:800px;margin:-3px 0 34px}.ac-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.ac-card{border:1px solid var(--ac-line);border-radius:22px;padding:30px;background:#fff;box-shadow:0 10px 30px rgba(16,47,78,.06);min-height:290px;display:flex;flex-direction:column}.ac-card>span{font-size:13px;letter-spacing:.1em;font-weight:900;color:#0875be}.ac-card h3{font:800 27px/1.12 "Plus Jakarta Sans",sans-serif;margin:14px 0 12px}.ac-card p{font-size:17px;line-height:1.55;color:var(--ac-muted);margin:0 0 22px}.ac-card a{margin-top:auto;color:#0b71ba;text-decoration:none;font-weight:900}.ac-editorial{display:grid;grid-template-columns:1fr 1fr;background:var(--ac-soft);min-height:720px}.ac-editorial--reverse>.ac-editorial__copy{order:1}.ac-editorial--reverse>.ac-media{order:2}.ac-editorial__copy{padding:70px clamp(38px,6vw,95px);display:flex;flex-direction:column;justify-content:center}.ac-editorial__copy>p:not(.ac-eyebrow){font-size:19px;color:var(--ac-muted);line-height:1.55}.ac-accordion{border-top:1px solid #c7d4df}.ac-accordion article{border-bottom:1px solid #c7d4df}.ac-accordion button{width:100%;border:0;background:transparent;padding:21px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;text-align:left;font:800 24px "DM Sans",sans-serif;color:var(--ac-ink);cursor:pointer}.ac-accordion button b{font-size:40px;font-weight:400;color:var(--ac-blue)}.ac-answer{padding:0 40px 21px 0}.ac-answer[hidden]{display:none}.ac-answer p{margin:0;color:var(--ac-muted);font-size:17px;line-height:1.55}.ac-mini-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:8px 0 28px}.ac-mini-grid article{background:#fff;border:1px solid var(--ac-line);border-radius:17px;padding:20px}.ac-mini-grid h3{margin:0 0 8px;font-size:19px}.ac-mini-grid p{margin:0;color:var(--ac-muted);line-height:1.5}.ac-button{align-self:flex-start}.ac-final{background:var(--ac-deep);color:#fff;padding:72px 0}.ac-final__grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.ac-final p{font-size:20px;line-height:1.55;color:#d6e5f0}.ac-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.ac-actions a:nth-child(2){background:#fff;color:var(--ac-deep)}.ac-footer{background:#0d2944;color:#dce8f2;padding:48px 0 100px}.ac-footer h3{color:#fff;font-size:24px}.ac-footer p{font-size:15px;line-height:1.65}.ac-footer a{color:#fff}.ac-footer__links{display:flex;gap:18px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.16);padding-top:20px;margin-top:24px}.ac-tpmo{margin-top:20px;padding:18px;border:1px solid rgba(255,255,255,.22);border-radius:14px;background:rgba(255,255,255,.06)}.ac-copy{opacity:.8}.ac-back-top{position:fixed;left:50%;bottom:16px;transform:translateX(-50%);z-index:850;width:62px;height:62px;border:0;border-radius:50%;display:grid;place-items:center;background:var(--ac-blue);color:#fff;text-decoration:none;font-size:31px;box-shadow:0 10px 28px rgba(0,0,0,.25);opacity:0;visibility:hidden;pointer-events:none;transition:.2s;cursor:pointer}.ac-back-top.is-visible{opacity:1;visibility:visible;pointer-events:auto}

@media(max-width:1050px){.ac-header__inner{min-height:82px;width:min(100% - 28px,1500px)}.ac-brand__logo{height:58px;width:118px}.ac-brand__copy b{font-size:19px}.ac-menu-button{display:inline-flex}.ac-nav{display:none;position:absolute;left:0;right:0;top:100%;min-height:0;padding:8px 18px 18px;background:#fff;border-top:1px solid #e1e7eb;box-shadow:0 16px 28px rgba(23,48,67,.12);flex-direction:column;align-items:stretch}.ac-nav.ac-nav--open{display:flex}.ac-nav-trigger,.ac-nav-link{min-height:52px;width:100%;padding:0 10px;border-bottom:1px solid #edf1f3;justify-content:space-between}.ac-nav-trigger[aria-expanded="true"]{border-bottom-color:#edf1f3}.ac-nav__cta{margin:10px 0 0;text-align:center}.ac-mega-wrap{position:fixed;inset:0;top:0;z-index:1400;background:#fff;overflow:auto}.ac-mega-scrim{display:none}.ac-mega{box-shadow:none;border:0}.ac-mega__topline,.ac-mega__grid{width:min(100% - 36px,760px)}.ac-mega__topline{padding-top:20px}.ac-mega__grid{grid-template-columns:1fr;padding-top:12px}.ac-mega__lead{padding:10px 0 22px}.ac-mega__col{padding:18px 0;border-left:0;border-top:1px solid #dfe6ea}.ac-hero,.ac-review-band,.ac-editorial,.ac-final__grid{grid-template-columns:1fr}.ac-media--hero{min-height:480px}.ac-hero__copy{padding:48px 34px}.ac-steps__grid{grid-template-columns:1fr}.ac-media--curve{border-radius:42% 42% 0 0;order:-1;min-height:460px}.ac-card-grid{grid-template-columns:1fr 1fr}.ac-editorial--reverse>.ac-editorial__copy,.ac-editorial--reverse>.ac-media{order:initial}.ac-editorial .ac-media{min-height:500px}.ac-final__grid{gap:34px}}
@media(max-width:650px){.ac-shell{width:min(100% - 36px,1500px)}.ac-header__inner{min-height:72px}.ac-brand__logo{width:100px;height:50px}.ac-brand__copy{display:none}.ac-menu-button span:first-child{display:none}.ac-hero{min-height:auto}.ac-media--hero{min-height:340px}.ac-hero__copy{padding:36px 18px}.ac-hero h1{font-size:41px}.ac-lead{font-size:18px}.ac-review-card{padding:22px 18px;border-radius:19px}.ac-review-card h2{font-size:30px}.ac-zip-row{flex-direction:column}.ac-steps__grid{padding-block:34px}.ac-review-band__card,.ac-editorial__copy{padding:48px 20px}.ac-card-grid,.ac-mini-grid{grid-template-columns:1fr}.ac-section{padding:60px 0}.ac-editorial .ac-media{min-height:360px}.ac-editorial__copy h2,.ac-review-band__card h2,.ac-section-title,.ac-final h2{font-size:39px}.ac-accordion button{font-size:20px}.ac-final{padding:52px 0}.ac-back-top{width:52px;height:52px;font-size:26px}}

/* =========================================================
   V11 — IN-PAGE EDUCATIONAL ANSWERS FOR MEGA MENU LINKS
   ========================================================= */

.ac-topic-section {
  padding: 88px 0;
  background: #fff;
}

.ac-topic-section--soft {
  background: var(--ac-soft);
}

.ac-topic-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.ac-topic-grid--three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.ac-topic {
  position: relative;
  min-height: 305px;
  padding: 32px;
  border: 1px solid var(--ac-line);
  border-radius: 20px;
  background: #fff;
  box-shadow: 0 10px 30px rgba(16,47,78,.055);
  scroll-margin-top: 128px;
}

.ac-topic::before {
  content: "";
  position: absolute;
  top: 0;
  left: 32px;
  width: 54px;
  height: 4px;
  border-radius: 0 0 6px 6px;
  background: var(--ac-blue);
}

.ac-topic > span {
  display: block;
  margin-bottom: 12px;
  color: #0874b9;
  font-size: 12px;
  font-weight: 900;
  letter-spacing: .12em;
}

.ac-topic h3 {
  margin: 0 0 13px;
  color: var(--ac-deep);
  font: 800 29px/1.12 "Plus Jakarta Sans", sans-serif;
  letter-spacing: -.025em;
}

.ac-topic p {
  margin: 0 0 22px;
  color: var(--ac-muted);
  font-size: 17px;
  line-height: 1.62;
}

.ac-topic a {
  color: #086da9;
  font-weight: 900;
  text-decoration: none;
}

.ac-topic a:hover {
  text-decoration: underline;
  text-underline-offset: 3px;
}

.ac-topic--compact {
  min-height: 230px;
}

.ac-topic--compact h3 {
  font-size: 24px;
}

/* Every destination reached from the mega menu clears the sticky header. */
#medicare,
#revision,
#cobertura,
#revisar,
#preguntas,
#medicare-original,
#medicare-advantage,
#parte-d,
#medigap,
#dual,
#extra-help,
#medicos,
#hospitales,
#especialistas,
#copagos,
#moop,
#formulario,
#revisar-medicos,
#revisar-medicamentos,
#revisar-costos,
#revisar-beneficios,
#faq-65,
#faq-medico,
#faq-dual,
#faq-medicamentos,
#faq-zip,
#faq-gobierno {
  scroll-margin-top: 128px;
}

/* Brief visual confirmation after a menu jump. */
.ac-anchor-highlight {
  animation: mdAnchorHighlight 1.15s ease;
}

@keyframes mdAnchorHighlight {
  0%, 100% { box-shadow: inherit; }
  35% { box-shadow: 0 0 0 5px rgba(11,120,200,.16), 0 18px 38px rgba(16,47,78,.12); }
}

@media (max-width: 1050px) {
  .ac-topic-grid,
  .ac-topic-grid--three {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 650px) {
  .ac-topic-section {
    padding: 60px 0;
  }

  .ac-topic-grid,
  .ac-topic-grid--three {
    grid-template-columns: 1fr;
  }

  .ac-topic {
    min-height: 0;
    padding: 26px 22px;
    scroll-margin-top: 92px;
  }

  .ac-topic::before {
    left: 22px;
  }

  .ac-topic h3 {
    font-size: 25px;
  }
}


/* =========================================================
   ACA DISCLOSURES
   ========================================================= */
.ac-disclosure-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:28px}
.ac-disclosure{display:grid;grid-template-columns:42px 1fr;gap:14px;align-items:flex-start;padding:20px 22px;border:1px solid var(--ac-line);border-radius:16px;background:#fff;box-shadow:0 8px 24px rgba(16,47,78,.05)}
.ac-disclosure>span{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:#e7f3fb;color:#075f93;font-weight:900}
.ac-disclosure p{margin:0;color:var(--ac-muted);font-size:15px;line-height:1.6}
.ac-review-band--notice{background:#eef6fb}
.ac-review-band--notice .ac-review-band__card{background:linear-gradient(135deg,#eef6fb 0%,#fff 100%)}
@media(max-width:750px){.ac-disclosure-grid{grid-template-columns:1fr}.ac-disclosure{grid-template-columns:36px 1fr;padding:18px}.ac-disclosure>span{width:32px;height:32px}}