@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
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h3{font-size:1.4rem;margin-bottom:14px}.card-label{font-size:.875rem;font-weight:700;margin-bottom:8px}.carrier-names,.card-contact{font-size:.9375rem;line-height:1.65;color:var(--muted);margin-bottom:0}.resident{color:var(--blue);font-size:.875rem;font-weight:600;margin-bottom:10px}.fine-print{font-size:.875rem;color:var(--muted);line-height:1.6;margin-bottom:0}.story{display:grid;grid-template-columns:.9fr 1.1fr;gap:8vw}.story-body p{margin-bottom:18px}.story-body p:last-child{margin-bottom:0}.people{background:var(--soft);border-top:1px solid var(--line)}.company-intro{display:flex;align-items:center;gap:25px;max-width:850px;margin-bottom:28px}.company-intro img{flex:0 0 auto}.company-intro .eyebrow{margin-bottom:8px}.company-intro h2{font-size:clamp(1.6rem,2.7vw,2.65rem);margin-bottom:12px}.company-intro p:last-child{color:var(--muted);margin:0}.people-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.people-grid article{background:#fff;padding:24px;border:1px solid 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small{display:block;margin-bottom:8px}.mailing address{font-style:normal;font-size:.9375rem;color:#dbe3ed}.privacy-note{font-size:.875rem;color:#b5c2d2;max-width:690px;margin:20px 0 0}.medicare-resources{padding:25px max(5vw,24px);background:var(--soft);border-bottom:1px solid var(--line)}.medicare-resources h2{font:600 1.0625rem/1.5 'Manrope',sans-serif;letter-spacing:0;margin-bottom:7px}.medicare-resources p{font-size:.875rem;max-width:1060px;color:var(--muted);margin:0}footer{display:flex;justify-content:space-between;gap:24px;padding:25px max(5vw,24px);font-size:.875rem}footer div{display:grid;gap:4px}footer span,footer p{color:var(--muted)}footer p{margin:0}
@media(min-width:1500px){.site-header,.section,.medicare-resources,footer{padding-left:calc((100vw - 1350px)/2);padding-right:calc((100vw - 1350px)/2)}.hero-copy{padding-left:calc((100vw - 1350px)/2);max-width:calc(760px + (100vw - 1350px)/2)}}@media(max-width:950px){nav{gap:17px}nav a[href="#states"]{display:none}.service-grid{gap:23px}.story,.broker-band{gap:35px}.company-intro img{width:88px;height:88px}}@media(max-width:720px){.site-header{padding:10px 18px;gap:12px}.brand{font-size:1rem;gap:8px}.brand img{width:52px;height:52px}.brand small{font-size:.75rem;letter-spacing:0}nav a:not(.nav-contact){display:none}.nav-contact{padding:8px 12px}.hero{min-height:0;background:linear-gradient(90deg,rgba(12,25,43,.96),rgba(12,25,43,.8)),url('/manhattan.jpg') center/cover}.hero-copy{padding:31px 22px 33px}.hero .eyebrow{font-size:.8125rem;letter-spacing:.035em;margin-bottom:17px}h1{font-size:2.9rem;line-height:1.04;margin-bottom:18px}.hero-description{font-size:1rem;max-width:410px;margin-bottom:21px}.hero-actions{gap:23px}.button{min-height:45px;padding:11px 19px}.section{padding:38px 22px}h2{font-size:2rem;margin-bottom:18px}.eyebrow{font-size:.875rem;letter-spacing:.06em;margin-bottom:16px}.service-grid,.broker-band,.story,.people-grid{grid-template-columns:1fr}.service-grid{gap:24px}.service-grid article{padding-top:17px}.service-grid h2{font-size:1.4rem;max-width:none;margin-bottom:10px}.service-label{margin-bottom:10px}.carrier-summary{margin-top:24px;padding-top:21px}.broker-band{gap:4px}.broker-band h2{margin-bottom:16px}.section-heading{align-items:flex-start;gap:15px;margin-bottom:20px}.section-heading h2{font-size:1.8rem}.carousel-controls{flex-direction:column;gap:6px}.carousel-controls button{min-height:37px;padding:7px 11px}.state-card{flex-basis:86%;max-width:325px;padding:21px}.map-wrap{height:136px}.map-wrap img{width:215px;height:128px}.story{gap:9px}.story h2 br:last-child{display:none}.company-intro{gap:17px;align-items:flex-start}.company-intro img{width:64px;height:64px}.company-intro h2{font-size:1.65rem}.company-intro .eyebrow{font-size:.8125rem}.people-grid{gap:16px}.people-grid article{padding:22px}.phone-group{gap:12px}.phone-group a{min-width:0;width:100%;max-width:410px;padding:14px 19px}.phone-group strong{font-size:1.55rem}.contact h2{font-size:2.25rem}.email{font-size:1rem}.linkedin{display:block;width:max-content;margin:15px 0 0}.mailing address{font-size:.9375rem}.medicare-resources{padding:24px 22px}footer{padding:24px 22px;flex-direction:column;gap:16px}}@media(max-width:370px){.brand{font-size:.9375rem}.brand img{width:44px;height:44px}.brand small{font-size:.75rem}.site-header{padding-left:15px;padding-right:15px}h1{font-size:2.6rem}.nav-contact{padding:7px 10px}.company-intro{gap:13px}.company-intro img{width:50px;height:50px}.company-intro h2{font-size:1.45rem}.section-heading h2{font-size:1.65rem}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

details{border-top:1px solid var(--line);margin-top:18px;padding-top:13px}summary{cursor:pointer;font-size:.9375rem;font-weight:600;line-height:1.55;list-style-position:outside;margin-left:17px;padding-left:3px}summary::marker{color:var(--blue)}summary:focus-visible{outline:3px solid var(--blue);outline-offset:5px}details[open]>summary{margin-bottom:14px}.service-details p{font-size:.9375rem;margin:0}.carrier-summary details{margin-top:0;padding:13px 0}.carrier-summary details+details{margin-top:0}.carrier-summary details p{margin:0 0 0 20px}.carrier-summary small{margin-top:16px}.broker-band details{border-color:#425267;margin-top:18px}.broker-band summary{color:var(--lime)}.broker-band summary::marker{color:var(--lime)}.broker-band details p{font-size:.9375rem;margin-bottom:0}.story-side{color:var(--muted);font-size:1rem;max-width:310px;margin:24px 0 0}.story-details{margin-top:22px}.story-details p{margin-bottom:17px}.state-carriers{margin-top:8px}.state-carriers .carrier-names{margin:0}.state-card .card-contact{border-top:1px solid var(--line);padding-top:14px}@media(max-width:1050px) and (min-width:721px){.service-grid{grid-template-columns:1fr 1fr;gap:30px}}@media(max-width:720px){.service-grid{grid-template-columns:1fr}.service-grid article{padding-top:18px}.story-side{margin-top:15px}.story{gap:13px}.story h2 br:last-child{display:initial}}

.contact-form-panel,.client-form-panel{border:1px solid #71829a;border-radius:5px;max-width:860px;margin-top:28px;padding:18px 21px}.contact-form-panel>summary,.client-form-panel>summary{color:var(--lime);font-size:1.125rem;margin-left:19px}.contact-form-panel>summary::marker,.client-form-panel>summary::marker{color:var(--lime)}.form-panel-inner{background:#fff;border-radius:5px;color:var(--ink);overflow:hidden;margin-top:20px}.form-intro{padding:24px 25px 0;font-size:.9375rem;color:var(--muted);margin-bottom:0}.form-fallback{padding:0 25px 23px;margin:0;font-size:.9375rem}.contact-form-panel iframe{display:block;max-width:100%;min-width:0}.client-form-panel>p{font-size:.9375rem;color:#dbe3ed;margin-top:18px}.client-form-links{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:20px}.client-form-links a{display:grid;gap:7px;background:#fff;border-radius:4px;color:var(--ink);padding:20px;text-decoration:none}.client-form-links a:hover{background:#edf5e3}.client-form-links span{font-size:.875rem;color:var(--muted)}@media(max-width:720px){.contact-form-panel,.client-form-panel{padding:17px 15px}.contact-form-panel>summary,.client-form-panel>summary{font-size:1rem}.client-form-links{grid-template-columns:1fr}.form-intro{padding:20px 17px 0}.form-fallback{padding:0 17px 20px}}

.contact-policy{max-width:820px;color:#dbe3ed;margin:24px 0 0}.form-intro strong{display:block;color:var(--ink);font-weight:600;margin-top:14px}.broker-diagram{max-width:360px;margin:25px 0 0;display:grid;justify-items:center;text-align:center}.broker-apex{width:0;height:0;border-left:24px solid transparent;border-right:24px solid transparent;border-bottom:27px solid var(--lime)}.broker-position{width:78%;background:var(--lime);color:var(--ink);padding:15px 18px;border-radius:4px 4px 0 0}.broker-position strong{display:block;font:800 1.2rem/1.3 'Manrope',sans-serif;letter-spacing:.08em}.broker-position span{display:block;font-size:.875rem;line-height:1.5;margin-top:7px}.broker-independence{width:89%;padding:13px 15px;background:#2d3b4e;font-size:.875rem;font-weight:600;border:1px solid #71829a}.broker-foundation{width:100%;padding:13px 15px;border:1px solid #71829a;background:#16263b;border-radius:0 0 4px 4px;font-size:.875rem}.fee-statement{font-weight:600}.broker-band details p+p{margin-top:16px}.broker-band{grid-template-columns:.85fr 1.15fr}@media(max-width:720px){.broker-band{grid-template-columns:1fr;gap:27px}.broker-diagram{max-width:330px;margin-top:20px}.contact-policy{font-size:1rem}}

/* Shared navigation and the longer reading pages. */
h1,h2,h3,a{overflow-wrap:anywhere}.desktop-nav{gap:20px}.desktop-nav [aria-current=page]{text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:8px}.mobile-menu{display:none;border:0;margin:0;padding:0;position:relative}.mobile-menu>summary{margin:0;padding:9px 14px;border:1px solid var(--ink);border-radius:4px;list-style:none}.mobile-menu>summary::-webkit-details-marker{display:none}.mobile-menu[open]>summary{margin-bottom:0;background:var(--ink);color:#fff}.mobile-menu nav{position:absolute;right:0;top:calc(100% + 14px);z-index:5;display:grid;gap:0;background:#fff;width:min(88vw,22rem);max-height:75vh;overflow:auto;padding:10px;border:1px solid var(--line);border-radius:5px;box-shadow:0 15px 40px #0c192b25}.mobile-menu nav a{display:block;padding:14px 15px}.mobile-menu .nav-contact{margin:5px}.mobile-menu nav a:hover{background:var(--soft)}.navy-button{background:var(--ink);color:#fff}.navy-button:hover{background:#233a56}.footer-links{display:flex;flex-wrap:wrap;align-content:flex-start;gap:10px 20px;max-width:420px}.footer-links a{font-size:.875rem}.season-panel{display:grid;grid-template-columns:1fr 1.15fr;gap:5vw;background:var(--soft);border-bottom:1px solid var(--line)}.season-panel h2{font-size:clamp(1.8rem,2.5vw,2.5rem)}.season-panel .eyebrow{color:var(--blue);margin-bottom:12px}.season-panel>div>p:last-child{margin-bottom:0;max-width:52ch}.season-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.season-grid article{border-left:3px solid var(--blue);padding-left:18px}.season-grid span{display:block;font-size:.875rem;font-weight:700;line-height:1.5;margin-bottom:10px}.season-grid strong{display:block;font:700 1.125rem/1.6 'Manrope',sans-serif;margin-bottom:9px}.season-grid p{margin-bottom:0;color:var(--muted)}.season-grid>a{grid-column:1/-1;font-weight:600}.medicaid-help{border-top:1px solid var(--line);padding-top:24px;margin-top:28px;max-width:920px}.medicaid-help h3{margin-bottom:10px}.medicaid-help p{color:var(--muted);margin-bottom:0}.home-about,.home-education{display:grid;grid-template-columns:1fr 1.15fr;gap:5vw}.home-about p{max-width:65ch}.article-link{font-weight:700;color:var(--blue);display:inline-block}.home-education{border-bottom:1px solid var(--line)}.home-education>div>p{max-width:52ch}.education-links{display:grid;align-content:center;gap:0}.education-links a{font:600 1.125rem/1.5 'Manrope',sans-serif;padding:17px 0;border-bottom:1px solid var(--line);text-decoration:none}.education-links a:first-child{border-top:1px solid var(--line)}.education-links a:hover{text-decoration:underline}.journal-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}.journal-card{display:flex;flex-direction:column;border-top:3px solid var(--ink);padding:23px 0 0}.journal-card .eyebrow{color:var(--blue);margin-bottom:13px}.journal-card h3{font-size:1.4rem;line-height:1.45}.journal-card h3 a{text-decoration:none}.journal-card h3 a:hover{text-decoration:underline}.journal-card p:not(.eyebrow){color:var(--muted)}.journal-card .article-link{margin-top:auto}.journal-preview{background:var(--soft)}.journal-note{background:var(--soft);border-top:1px solid var(--line)}.journal-note p{max-width:75ch}.page-heading,.article-heading{background:var(--ink);color:#fff}.page-heading .eyebrow,.article-heading .eyebrow{color:var(--lime)}.page-heading h1{font-size:clamp(2.5rem,4.4vw,4.25rem);line-height:1.13;max-width:24ch}.page-lead{font-size:1.125rem;line-height:1.75;max-width:72ch}.page-heading .page-lead{color:#dbe3ed;margin-bottom:0}.review-date{margin:20px 0 0;color:#bac9d9;font-size:.875rem;max-width:85ch}.about-body{display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1fr);gap:7vw;align-items:start}.prose{max-width:72ch}.prose h2{font-size:clamp(1.6rem,2.6vw,2.15rem);line-height:1.3;margin:36px 0 18px}.prose h2:first-child{margin-top:0}.prose p{margin-bottom:22px}.scope-note{font-size:.875rem;color:var(--muted);border-left:3px solid #aebac7;padding-left:18px;line-height:1.7}.about-aside{background:var(--soft);padding:28px;border:1px solid var(--line);border-radius:5px}.about-aside img{margin-bottom:22px}.about-aside p{color:var(--muted)}.about-aside a{font-size:1rem;font-weight:600}.professional-resources{background:var(--soft);border-top:1px solid var(--line)}.professional-resources .page-lead{font-size:1rem}.resource-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:30px}.resource-card{padding:26px;background:#fff;border:1px solid var(--line);border-radius:5px}.resource-card p{color:var(--muted)}.resource-card .service-label{color:var(--blue)}.resource-card a{font-weight:700;color:var(--blue)}.resource-pending{border-style:dashed;background:transparent}.resource-pending h3{font-size:1.125rem;color:var(--muted)}.resource-pending p:last-child{margin-bottom:0}.education-layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:5vw;align-items:start}.topic-nav{display:grid;gap:0;align-items:stretch;border-top:3px solid var(--ink)}.topic-nav a{padding:16px 0;border-bottom:1px solid var(--line);line-height:1.5}.topic-nav a:hover{text-decoration:underline}.faq-groups{min-width:0;max-width:850px}.faq-group{margin-bottom:46px;scroll-margin-top:30px}.faq-group h2{font-size:clamp(1.7rem,2.5vw,2.35rem);line-height:1.3}.faq-item{margin-top:0;padding-top:0}.faq-item:last-child{border-bottom:1px solid var(--line)}.faq-item>summary{font-size:1rem;line-height:1.6;padding:19px 4px;min-height:58px}.faq-item[open]>summary{margin-bottom:0;color:var(--blue)}.faq-answer{padding:0 4px 22px 22px}.faq-answer p{margin-bottom:18px}.faq-answer p:last-child{margin-bottom:0}.source-links{font-size:.875rem;color:var(--muted);line-height:1.75;margin-top:25px}.source-links a{display:inline-block}.table-wrap{overflow-x:auto;margin:0 0 22px}table{width:100%;border-collapse:collapse;font-size:1rem;text-align:left}th,td{padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}thead{background:var(--soft)}tbody th{font-weight:600;width:45%}.education-cta{padding:27px;background:var(--soft);border:1px solid var(--line);border-radius:5px}.education-cta h2{font-size:1.75rem}.education-cta .scope-note{margin:24px 0 0}.article-heading h1{font-size:clamp(2.35rem,4vw,3.75rem);line-height:1.18;max-width:28ch;letter-spacing:-.035em}.article-deck{max-width:70ch;font-size:1.125rem;color:#dbe3ed;line-height:1.75}.article-meta{font-size:.875rem;color:#bac9d9;margin-bottom:0}.back-link{display:inline-block;font-size:.875rem;color:#dbe3ed;margin-bottom:25px}.article-body{display:flex;justify-content:center}.article-body .prose{width:100%}.article-end{margin-top:40px;border-top:1px solid var(--line);padding-top:25px}.article-end p{font-weight:600}.article-sources{margin-top:36px}.article-sources ul{padding-left:22px;font-size:.9375rem}.article-sources li{margin-bottom:12px}.broker-role-figure{margin:35px 0;padding:28px;background:var(--ink);color:#fff;border-radius:5px}.broker-role-figure .broker-diagram{margin:0 auto 22px}.broker-role-figure figcaption{font-size:.875rem;text-align:center;color:#dbe3ed}.contact-preference{color:#dbe3ed;max-width:70ch;margin-bottom:22px}.text-contact{color:var(--lime);display:inline-block;font-weight:600;margin-bottom:20px}.research-services{max-width:1300px}.support-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 35px}.support-grid article{padding:26px 0;border-top:1px solid var(--line)}.support-grid p:last-child{margin-bottom:0;color:var(--muted)}.service-scope{margin-top:35px;padding:26px;background:var(--soft);border:1px solid var(--line);border-radius:5px}.service-scope p:last-child{margin-bottom:0}.research-services>.prose{margin-bottom:30px}
@media(max-width:1100px){.desktop-nav{display:none}.mobile-menu{display:block}.site-header{position:relative}.journal-grid{gap:24px}.education-layout{grid-template-columns:190px minmax(0,1fr)}}
@media(max-width:900px){.season-panel{grid-template-columns:1fr;gap:28px}.about-body{grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:30px}.education-layout{grid-template-columns:1fr;gap:30px}.topic-nav{display:flex;flex-wrap:wrap;gap:0 25px}.topic-nav a{padding:14px 0;flex:1 1 160px}.journal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.journal-card:last-child{grid-column:1/-1;max-width:65ch}}
@media(max-width:720px){.site-header{flex-wrap:wrap}.brand{min-width:0;max-width:100%}.brand span{min-width:0}.mobile-menu nav a{display:block}.mobile-menu nav{font-size:1rem}.season-grid,.home-about,.home-education,.about-body,.resource-grid,.support-grid,.journal-grid{grid-template-columns:1fr}.season-grid{gap:23px}.home-about,.home-education{gap:15px}.journal-card:last-child{grid-column:auto}.page-heading h1{font-size:2.5rem;line-height:1.15}.page-lead{font-size:1rem}.about-aside{padding:24px}.about-aside img{width:110px;height:110px}.resource-card{padding:22px}.topic-nav{gap:0 20px}.faq-group{margin-bottom:35px}.faq-item>summary{padding:18px 0}.faq-answer{padding-left:0}.education-cta,.service-scope{padding:22px}.education-cta .scope-note{padding-left:13px}.article-heading h1{font-size:2.2rem;line-height:1.2}.article-deck{font-size:1rem}.article-body .prose{max-width:100%}th,td{padding:12px;font-size:.9375rem}.broker-role-figure{padding:20px 15px}.footer-links{max-width:none}.hero-actions{flex-wrap:wrap;row-gap:15px}}
.services-more{padding:0 max(5vw,24px) 35px}.resources-link{margin-left:25px}.service-scope>summary{font-size:1rem}.service-scope p{margin-top:20px}@media(min-width:1500px){.services-more{padding-left:calc((100vw - 1350px)/2)}}@media(max-width:720px){.services-more{padding:0 22px 30px}.resources-link{display:block;margin:22px 0 0}}
.education-layout .topic-nav a{display:block}
.home-about{grid-template-columns:minmax(220px,300px) minmax(0,1fr);align-items:center;gap:5vw}.home-portrait{width:100%;max-width:300px}.home-portrait img{width:100%;height:auto;aspect-ratio:1122/1402;object-fit:cover;border-radius:5px}.about-aside .about-portrait{width:100%;height:auto;max-width:360px;aspect-ratio:1122/1402;object-fit:cover;border-radius:4px;margin-bottom:24px}@media(max-width:720px){.home-about{grid-template-columns:1fr;gap:26px}.home-portrait{max-width:240px}.about-aside .about-portrait{width:100%;height:auto;max-width:320px}}
.resource-actions{display:flex;flex-wrap:wrap;gap:9px 22px;margin-top:22px}.resource-actions a{font-weight:700;color:var(--blue)}.referral-disclosure{max-width:85ch;margin:24px 0 0;color:var(--muted);font-size:.875rem}.personal-recommendation{border-top:1px solid var(--line)}.personal-recommendation .page-lead{font-size:1rem}.recommendation-card{max-width:930px;margin-top:30px;padding:30px;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:5px;background:#fff}.recommendation-card p{color:var(--muted)}.recommendation-card .service-label{color:var(--blue)}.recommendation-card .recommendation-note{margin:24px 0 0;padding-top:20px;border-top:1px solid var(--line);font-size:.875rem;line-height:1.7}@media(max-width:720px){.recommendation-card{padding:22px}.resource-actions{display:grid;gap:12px}}
.provider-notice{max-width:74ch;color:#dbe3ed;margin:-8px 0 25px}.privacy-note a,.form-intro a{color:var(--lime);font-weight:700}.resource-profile{display:flex;align-items:center;gap:18px;margin-bottom:18px}.resource-profile .service-label{margin-bottom:4px}.resource-profile h3{margin-bottom:0}.zachary-avatar{width:104px;height:104px;flex:0 0 104px;border-radius:50%;border:3px solid #fff;box-shadow:0 0 0 1px var(--line);background-image:url('/zachary-bases-contact.jpg');background-repeat:no-repeat;background-size:670px 1452px;background-position:-282px -626px}.referral-note{font-size:.875rem;line-height:1.65;border-top:1px solid var(--line);padding-top:18px;margin-top:22px}.privacy-prose{max-width:82ch}.privacy-prose strong{color:var(--ink)}@media(max-width:720px){.zachary-avatar{width:88px;height:88px;flex-basis:88px;background-size:568px 1230px;background-position:-239px -531px}.resource-profile{gap:14px}}
.personal-history{border-top:1px solid var(--line)}.personal-history h2{max-width:22ch}.history-timeline{max-width:980px;margin-top:32px}.history-entry{position:relative;padding:0 0 30px 28px;border-left:2px solid var(--line)}.history-entry:last-child{padding-bottom:0}.history-entry::before{content:"";position:absolute;left:-7px;top:.38rem;width:12px;height:12px;border-radius:50%;background:var(--blue);box-shadow:0 0 0 4px #fff}.history-entry h3{font-size:1rem;line-height:1.5;letter-spacing:.04em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}.history-entry p{max-width:85ch;color:var(--muted);margin:0}.history-entry a{font-weight:700;color:var(--blue)}@media(max-width:720px){.history-entry{padding-left:22px}.history-entry h3{font-size:.9375rem}}