/*
Theme Name: Seguro de Salud por Estado
Theme URI: https://www.healthinsurancestates.com/
Author: McIntosh Insurance Group
Description: Seguro de Salud por Estado: guías de seguro médico en español, estado por estado, con cotizaciones gratis de agentes con licencia de McIntosh Insurance Group.
Version: 1.0.0
Requires at least: 6.4
Requires PHP: 8.0
License: Proprietary
Text Domain: quote-site
*/

/* Spanish labels run longer: keep the header button on one line. */
.header-cta .btn { white-space: nowrap; }
@media (max-width: 359px) {
	.site-header .header-inner { gap: 8px; }
	.site-header .brand-name { font-size: .86rem; }
	.site-header .brand-sub { font-size: .56rem; }
	.site-header .brand { gap: 6px; }
}
/* "CuidadoDeSalud.gov" is one long word: let it break instead of widening its box. */
.site-main .trust li, .site-main .keyfacts li, .site-main .card { min-width: 0; }
.site-main .trust span, .site-main .trust b, .site-main .keyfacts b, .site-main .keyfacts span, .site-main .card p { overflow-wrap: anywhere; }
@media (min-width: 921px) and (max-width: 1140px) {
	.header-cta .header-phone { display: none; }
	.site-header .header-inner { gap: 12px; }
	.site-header .brand-name { font-size: 1rem; }
	.site-nav .nav-link { padding-inline: 8px; font-size: .9rem; }
	.site-header .header-cta { margin-left: 4px; }
	.header-cta .btn { padding-inline: 14px; }
}

/* ==========================================================================
   Tokens (Seguro de Salud por Estado: deep teal, marigold, terracotta)
   ========================================================================== */

:root {
	--brand: #0e4f5c;
	--brand-2: #12606f;
	--brand-3: #177a8c;
	--brand-deep: #093640;
	--brand-rgb: 14 79 92;
	--brand-3-rgb: 23 122 140;
	--accent: #f7a823;
	--accent-hi: #ffc04f;
	--accent-deep: #8a5a00;
	--accent-rgb: 247 168 35;
	--pop: #c4512d;
	--pop-deep: #96391c;
	--pop-soft: #fbe9e2;
	--pop-rgb: 196 81 45;
	--brand-em: #c4512d;
	--brand-em-dark: #ffc04f;
	--sky-soft: #e8f4f6;
	--mist: #f4f9fa;
	--sand: #fff8ea;
	--white: #ffffff;
	--text: #16282d;
	--muted: #4e636a;
	--muted-dark: #b4cdd3;
	--line: #d9e7ea;
	--line-dark: rgba(255, 255, 255, .14);
	--on-dark: #e6f2f4;
	--on-dark-2: #cfe3e7;
	--field-line: #c7d9dd;

	--sans: "Libre Franklin", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
	--display: "Bitter", Georgia, "Times New Roman", serif;
	--display-weight: 700;
	--brand-size: 1.1rem;
	--wrap: 1180px;
	--read: 780px;
	--gutter: clamp(18px, 4vw, 40px);
	--radius: 12px;
	--radius-sm: 8px;
	--shadow: 0 18px 44px -18px rgb(var(--brand-rgb) / .3);
	--shadow-sm: 0 6px 18px -8px rgb(var(--brand-rgb) / .22);
	--header: 76px;
	--ease: cubic-bezier(.2, .7, .2, 1);
}

/* ==========================================================================
   Base
   ========================================================================== */

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header) + 16px); }
body { margin: 0; background: var(--white); color: var(--text); font: 400 1.0625rem/1.65 var(--sans); -webkit-font-smoothing: antialiased; overflow-x: clip; }
img, svg, video, iframe { max-width: 100%; }
img { height: auto; }
a { color: var(--brand-3); text-underline-offset: .18em; }
a:hover { color: var(--brand); }
h1, h2, h3, h4 { margin: 0 0 .5em; color: var(--brand); font-family: var(--display); font-weight: var(--display-weight, 800); line-height: 1.12; letter-spacing: -.02em; }
h1 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.45rem); }
h3 { font-size: 1.22rem; letter-spacing: -.01em; }
p { margin: 0 0 1.05em; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 6px; }
.screen-reader-text, .sr-only { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; padding: 10px 16px; border-radius: 10px; background: var(--accent); color: var(--brand); font-weight: 700; }
.skip-link:focus { top: 12px; }

.wrap { width: min(100% - 2 * var(--gutter), var(--wrap)); margin-inline: auto; }
.wrap-read { width: min(100% - 2 * var(--gutter), var(--read)); margin-inline: auto; }

.eyebrow { display: inline-flex; align-items: center; gap: 10px; margin: 0 0 16px; font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--pop-deep); }
.eyebrow::before { content: ""; width: 26px; height: 3px; border-radius: 3px; background: var(--accent); }
.on-dark .eyebrow, .page-hero .eyebrow, .hero .eyebrow, .band-brand .eyebrow { color: var(--accent-hi); }
.lede { font-size: clamp(1.08rem, 1.5vw, 1.24rem); color: var(--muted); max-width: 62ch; }
.muted { color: var(--muted); }
.mt-lg { margin-top: clamp(36px, 5vw, 56px); }

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 50px; padding: 0 24px; border: 2px solid transparent; border-radius: 999px; font: 700 1rem/1 var(--sans); text-decoration: none; cursor: pointer; transition: transform .2s var(--ease), background .2s, color .2s, border-color .2s, box-shadow .2s; }
.btn:hover { transform: translateY(-1px); }
.btn-accent { background: var(--accent); color: var(--brand-deep); box-shadow: 0 10px 24px -12px rgb(var(--accent-rgb) / .9); }
.btn-accent:hover { background: var(--accent-hi); color: var(--brand-deep); }
.btn-brand { background: var(--brand); color: var(--white); }
.btn-brand:hover { background: var(--brand-2); color: var(--white); }
.btn-ghost { border-color: rgba(255, 255, 255, .5); color: var(--white); }
.btn-ghost:hover { border-color: var(--white); background: rgba(255, 255, 255, .08); color: var(--white); }
.btn-line { border-color: var(--brand); color: var(--brand); }
.btn-line:hover { background: var(--brand); color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }
.arrow::after { content: "\2192"; transition: transform .2s var(--ease); }
.btn:hover .arrow::after, a:hover > .arrow::after { transform: translateX(3px); }

/* ==========================================================================
   Header
   ========================================================================== */

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .96); border-bottom: 1px solid var(--line); -webkit-backdrop-filter: saturate(150%) blur(12px); backdrop-filter: saturate(150%) blur(12px); }
.header-inner { display: flex; align-items: center; gap: 24px; min-height: var(--header); }
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--brand); text-decoration: none; flex: none; }
.brand-mark { width: 40px; height: 40px; flex: none; }
.brand-text { display: grid; line-height: 1.05; }
.brand-name { font-family: var(--display); font-size: var(--brand-size, 1.12rem); font-weight: var(--display-weight, 800); letter-spacing: -.01em; }
.brand-name em { font-style: normal; color: var(--brand-em, inherit); }
.site-footer .brand-name em { color: var(--brand-em-dark, inherit); }
.brand-sub { font-size: .7rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--pop-deep); }
@media (max-width: 420px) { .brand-sub { font-size: .62rem; letter-spacing: .08em; } }
.site-nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.site-nav > ul { display: flex; align-items: center; gap: 2px; margin: 0; padding: 0; list-style: none; }
.nav-link { display: inline-flex; align-items: center; gap: 6px; min-height: 44px; padding: 0 14px; border: 0; border-radius: 999px; background: none; color: var(--text); font: 600 .97rem/1 var(--sans); text-decoration: none; cursor: pointer; }
.nav-link:hover, .nav-link[aria-expanded="true"] { background: var(--sky-soft); color: var(--brand); }
.nav-link[aria-current="page"] { color: var(--brand); box-shadow: inset 0 -3px 0 var(--accent); border-radius: 0; }
button.nav-link::after { content: ""; width: 7px; height: 7px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-2px) rotate(45deg); transition: transform .2s; }
button.nav-link[aria-expanded="true"]::after { transform: translateY(1px) rotate(-135deg); }
.nav-drop { position: relative; }
.drop { position: absolute; left: 50%; top: calc(100% + 10px); width: 340px; padding: 10px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translate(-50%, 6px); transition: opacity .2s, transform .2s var(--ease), visibility .2s; }
.drop::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; }
.nav-drop:hover > .drop, .nav-drop:has(:focus-visible) > .drop, .nav-drop > [aria-expanded="true"] + .drop { opacity: 1; visibility: visible; transform: translate(-50%, 0); }
.drop a { display: grid; gap: 2px; padding: 12px 14px; border-radius: var(--radius-sm); color: var(--text); text-decoration: none; }
.drop a:hover { background: var(--mist); }
.drop a strong { color: var(--brand); font-size: .97rem; }
.drop a span { color: var(--muted); font-size: .86rem; line-height: 1.4; }
.header-cta { display: flex; align-items: center; gap: 14px; margin-left: 10px; }
.header-phone { display: grid; color: var(--brand); text-decoration: none; line-height: 1.15; }
.header-phone small { color: var(--muted); font-size: .72rem; font-weight: 600; letter-spacing: .04em; }
.header-phone b { font-size: 1.02rem; }
.nav-toggle { display: none; }

@media (max-width: 1060px) {
	.header-phone { display: none; }
}
@media (max-width: 920px) {
	/* backdrop-filter would make the header the containing block of the fixed menu panel. */
	.site-header { -webkit-backdrop-filter: none; backdrop-filter: none; background: var(--white); }
	.nav-toggle { display: inline-grid; place-items: center; width: 48px; height: 48px; margin-left: auto; border: 1px solid var(--line); border-radius: 14px; background: var(--white); cursor: pointer; }
	.nav-toggle .bars, .nav-toggle .bars::before, .nav-toggle .bars::after { display: block; width: 20px; height: 2px; border-radius: 2px; background: var(--brand); transition: transform .25s var(--ease), opacity .2s; }
	.nav-toggle .bars { position: relative; }
	.nav-toggle .bars::before, .nav-toggle .bars::after { content: ""; position: absolute; left: 0; }
	.nav-toggle .bars::before { top: -6px; }
	.nav-toggle .bars::after { top: 6px; }
	.nav-open .nav-toggle .bars { background: transparent; }
	.nav-open .nav-toggle .bars::before { transform: translateY(6px) rotate(45deg); }
	.nav-open .nav-toggle .bars::after { transform: translateY(-6px) rotate(-45deg); }
	.site-nav { position: fixed; inset: var(--header) 0 0; display: block; padding: 18px var(--gutter) 40px; overflow-y: auto; background: var(--white); visibility: hidden; opacity: 0; transform: translateY(-8px); transition: opacity .2s, transform .25s var(--ease), visibility .2s; }
	.nav-open .site-nav { visibility: visible; opacity: 1; transform: none; }
	.site-nav > ul { display: block; }
	.site-nav > ul > li { border-bottom: 1px solid var(--line); }
	.nav-link { width: 100%; justify-content: space-between; min-height: 58px; padding: 0 2px; border-radius: 0; font-size: 1.1rem; }
	.nav-link:hover, .nav-link[aria-expanded="true"] { background: none; }
	.nav-link[aria-current="page"] { box-shadow: none; }
	.drop { position: static; display: none; width: auto; padding: 0 0 12px; border: 0; box-shadow: none; opacity: 1; visibility: visible; transform: none; }
	.nav-drop:hover > .drop, .nav-drop:has(:focus-visible) > .drop { transform: none; }
	.nav-drop > [aria-expanded="true"] + .drop { display: block; transform: none; }
	.drop::before { content: none; }
	.header-cta { display: grid; gap: 12px; margin: 22px 0 0; }
	.header-cta .header-phone { display: grid; }
	.header-cta .btn { width: 100%; }
}

/* ==========================================================================
   Sections
   ========================================================================== */

.band { padding: clamp(64px, 9vw, 112px) 0; }
.band-tight { padding: clamp(44px, 6vw, 72px) 0; }
.band-mist { background: var(--mist); }
.band-sand { background: var(--sand); }
.band-brand { background: var(--brand); color: var(--on-dark); }
.band-brand h2, .band-brand h3 { color: var(--white); }
.section-head { display: grid; gap: 6px; max-width: 760px; margin-bottom: clamp(32px, 4vw, 52px); }
.section-head.center { margin-inline: auto; text-align: center; justify-items: center; }
.section-head p { margin: 0; color: var(--muted); font-size: 1.08rem; }
.band-brand .section-head p { color: var(--muted-dark); }

/* ==========================================================================
   Home hero + quote card
   ========================================================================== */

.hero { position: relative; overflow: hidden; padding: clamp(48px, 7vw, 96px) 0 clamp(56px, 8vw, 104px); background: radial-gradient(900px 520px at 85% -10%, rgb(var(--pop-rgb) / .35), transparent 60%), radial-gradient(700px 480px at -10% 110%, rgb(var(--accent-rgb) / .22), transparent 60%), linear-gradient(160deg, var(--brand) 0%, var(--brand-deep) 100%); color: var(--on-dark); }
.hero::after { content: ""; position: absolute; inset: auto 0 -1px 0; height: 56px; background: var(--white); clip-path: ellipse(70% 100% at 50% 100%); }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); gap: clamp(32px, 5vw, 64px); align-items: center; }
.hero h1 { color: var(--white); }
.hero h1 em { font-style: normal; color: var(--accent-hi); }
.hero-lede { max-width: 54ch; margin: 0 0 26px; font-size: clamp(1.08rem, 1.5vw, 1.22rem); color: var(--on-dark-2); }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px 22px; margin: 26px 0 0; padding: 0; list-style: none; font-size: .95rem; font-weight: 600; color: var(--white); }
.hero-badges li { display: inline-flex; align-items: center; gap: 8px; }
.hero-badges li::before { content: ""; width: 20px; height: 20px; border-radius: 50%; background: var(--pop) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5' fill='none' stroke='%23fff' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat; flex: none; }
.hero-call { margin: 22px 0 0; color: var(--on-dark-2); font-size: .98rem; }
.hero-call a { color: var(--white); font-weight: 700; }

.q-card { position: relative; padding: clamp(24px, 3vw, 34px); border-radius: 24px; background: var(--white); color: var(--text); box-shadow: 0 30px 60px -24px rgba(0, 0, 0, .45); }
.q-card h2 { margin: 0 0 4px; font-size: 1.45rem; }
.q-card .q-sub { margin: 0 0 20px; color: var(--muted); font-size: .97rem; }
.q-choices { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; min-width: 0; margin: 0; padding: 0; border: 0; }
.q-choices legend { float: left; grid-column: 1 / -1; width: 100%; margin: 0 0 12px; padding: 0; color: var(--brand); font-size: 1.05rem; font-weight: 800; }
.q-choice { display: grid; gap: 6px; justify-items: start; min-height: 96px; padding: 16px; border: 2px solid var(--line); border-radius: 16px; background: var(--white); color: var(--brand); font: 700 1rem/1.25 var(--sans); text-align: left; cursor: pointer; transition: border-color .2s, background .2s, transform .2s var(--ease); }
.q-choice small { color: var(--muted); font-weight: 500; font-size: .86rem; }
.q-choice:hover, .q-choice:has(input:checked) { border-color: var(--pop); background: var(--pop-soft); }
.q-choice:has(input:focus-visible) { outline: 3px solid var(--accent); outline-offset: 2px; }
.q-ico { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: var(--sky-soft); color: var(--brand); }
.q-ico svg { width: 20px; height: 20px; }
.q-form { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.js .q-card[data-step="choose"] .q-form, .js .q-card[data-step="form"] .q-choices { display: none; }
.q-back { display: none; grid-column: 1 / -1; justify-self: start; padding: 0; border: 0; background: none; color: var(--brand-3); font: 600 .92rem var(--sans); cursor: pointer; }
.js .q-back { display: block; }
.q-choices + .q-form { margin-top: 18px; }
.js .q-choices + .q-form { margin-top: 0; }

/* Shared form fields (quote card and the quote page) */
.field { display: grid; gap: 6px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: .88rem; font-weight: 700; color: var(--brand); }
.field .opt { color: var(--muted); font-weight: 500; }
.field input, .field select, .field textarea { width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid var(--field-line); border-radius: 12px; background: var(--white); color: var(--text); font: 400 1rem/1.4 var(--sans); }
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--brand-3); outline: 3px solid rgb(var(--brand-3-rgb) / .18); outline-offset: 0; }
.form-submit { grid-column: 1 / -1; display: grid; gap: 10px; }
.form-submit .btn { width: 100%; }
.consent { grid-column: 1 / -1; margin: 0; color: var(--muted); font-size: .78rem; line-height: 1.5; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-msg { grid-column: 1 / -1; margin: 0 0 6px; padding: 14px 16px; border-radius: 12px; font-weight: 600; }
.form-msg.ok { background: var(--pop-soft); color: var(--pop-deep); }
.form-msg.err { background: #fdecea; color: #a1281b; }

@media (max-width: 900px) {
	.hero-grid { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
	.q-choices, .q-form { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Inner page hero
   ========================================================================== */

.page-hero { position: relative; overflow: hidden; padding: clamp(40px, 6vw, 76px) 0 clamp(48px, 7vw, 88px); background: radial-gradient(760px 420px at 92% -20%, rgb(var(--pop-rgb) / .32), transparent 60%), linear-gradient(160deg, var(--brand) 0%, var(--brand-deep) 100%); color: var(--on-dark-2); }
.page-hero h1 { max-width: 20ch; color: var(--white); }
.page-hero h1 em { font-style: normal; color: var(--accent-hi); }
.page-dek { max-width: 62ch; margin: 0; font-size: clamp(1.06rem, 1.5vw, 1.2rem); }
.page-hero .btn-row { margin-top: 26px; }
.crumbs { margin: 0 0 22px; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 4px 0; margin: 0; padding: 0; list-style: none; font-size: .84rem; font-weight: 600; }
.crumbs li + li::before { content: "/"; margin: 0 10px; opacity: .5; }
.crumbs a { color: var(--muted-dark); text-decoration: none; }
.crumbs a:hover { color: var(--white); }
.crumbs [aria-current] { color: var(--white); }
.article-meta { display: flex; flex-wrap: wrap; gap: 6px 18px; margin: 18px 0 0; font-size: .9rem; color: var(--muted-dark); }

/* ==========================================================================
   Cards, steps, trust
   ========================================================================== */

.cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.card { position: relative; display: flex; flex-direction: column; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); transition: transform .25s var(--ease), box-shadow .25s; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.card .ico { display: grid; place-items: center; width: 52px; height: 52px; margin-bottom: 18px; border-radius: 14px; background: var(--pop-soft); color: var(--pop-deep); }
.card .ico svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--muted); }
.card .more { margin-top: auto; color: var(--brand-3); font-weight: 700; text-decoration: none; }
.card .more::before { content: ""; position: absolute; inset: 0; }
.card .more::after { content: " \2192"; }
@media (max-width: 960px) { .cards { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .cards { grid-template-columns: 1fr; } }
.cards-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 1100px) { .cards-4 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .cards-4 { grid-template-columns: 1fr; } }

.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin: 0; padding: 0; list-style: none; counter-reset: step; }
.steps li { position: relative; padding: 28px 26px 26px; border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow-sm); counter-increment: step; }
.steps li::before { content: counter(step); display: grid; place-items: center; width: 44px; height: 44px; margin-bottom: 16px; border-radius: 50%; background: var(--accent); color: var(--brand-deep); font-weight: 800; }
.steps h3 { margin-bottom: 6px; }
.steps p { margin: 0; color: var(--muted); }
@media (max-width: 820px) { .steps { grid-template-columns: 1fr; } }
.steps-stack { grid-template-columns: 1fr; }
.steps-stack li { display: grid; grid-template-columns: 44px 1fr; column-gap: 18px; align-items: start; }
.steps-stack li::before { grid-row: span 2; margin: 0; }

.trust { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; margin: 0; padding: 0; list-style: none; }
.trust li { display: grid; gap: 4px; padding: 20px; border-radius: var(--radius-sm); background: rgba(255, 255, 255, .06); border: 1px solid var(--line-dark); }
.trust b { color: var(--white); font-size: 1.05rem; }
.trust span { color: var(--muted-dark); font-size: .92rem; }
@media (max-width: 900px) { .trust { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .trust { grid-template-columns: 1fr; } }

.split { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(32px, 6vw, 80px); align-items: start; }
.split-sticky { position: sticky; top: calc(var(--header) + 32px); }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } .split-sticky { position: static; } }

.checks { display: grid; gap: 12px; margin: 0; padding: 0; list-style: none; }
.checks li { position: relative; padding-left: 34px; }
.checks li::before { content: ""; position: absolute; left: 0; top: 3px; width: 22px; height: 22px; border-radius: 50%; background: var(--pop) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-6.5' fill='none' stroke='%23fff' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat; }

/* ==========================================================================
   FAQ
   ========================================================================== */

.faq { display: grid; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--white); }
.faq summary { position: relative; padding: 20px 56px 20px 22px; color: var(--brand); font-weight: 700; cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); color: var(--accent-deep); font-size: 1.5rem; font-weight: 400; transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq .answer { padding: 0 22px 20px; color: var(--muted); }
.faq .answer p:last-child { margin: 0; }

/* ==========================================================================
   CTA band
   ========================================================================== */

.cta-band { display: grid; grid-template-columns: minmax(0, 1.3fr) auto; gap: 28px; align-items: center; padding: clamp(32px, 5vw, 56px); border-radius: 28px; background: radial-gradient(520px 300px at 100% 0%, rgb(var(--pop-rgb) / .35), transparent 60%), var(--brand); color: var(--on-dark-2); }
.cta-band h2 { margin-bottom: 10px; color: var(--white); }
.cta-band p { margin: 0; max-width: 56ch; }
.cta-actions { display: grid; gap: 10px; justify-items: center; text-align: center; }
.cta-actions .phone { color: var(--white); font-size: 1.3rem; font-weight: 800; text-decoration: none; }
.cta-actions small { color: var(--muted-dark); }
@media (max-width: 820px) { .cta-band { grid-template-columns: 1fr; } .cta-actions { justify-items: start; text-align: left; } }

/* ==========================================================================
   Prose (long pages and articles)
   ========================================================================== */

.prose { font-size: 1.08rem; line-height: 1.75; }
.prose h2 { margin: 1.8em 0 .55em; font-size: clamp(1.5rem, 2.6vw, 1.95rem); }
.prose h3 { margin: 1.5em 0 .4em; font-size: 1.24rem; }
.prose > :first-child { margin-top: 0; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin: .35em 0; }
.prose li::marker { color: var(--pop-deep); }
.prose strong { color: var(--brand); }
.prose blockquote { margin: 1.6em 0; padding: 4px 0 4px 20px; border-left: 4px solid var(--accent); color: var(--brand); font-weight: 600; }
.prose .table-wrap { margin: 1.6em 0; overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.prose table { width: 100%; border-collapse: collapse; font-size: .96rem; line-height: 1.5; }
.prose th, .prose td { padding: 13px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.prose thead th { background: var(--mist); color: var(--brand); font-size: .84rem; letter-spacing: .03em; }
.prose tbody tr:last-child > * { border-bottom: 0; }
.note { margin: 1.6em 0; padding: 18px 20px; border-radius: var(--radius-sm); background: var(--sky-soft); border-left: 4px solid var(--brand-3); }
.note.warn { background: #fff6e6; border-left-color: var(--accent); }
.note p:last-child { margin: 0; }
.keyfacts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin: 0 0 2em; padding: 0; list-style: none; }
.keyfacts li { padding: 16px 18px; border-radius: var(--radius-sm); background: var(--mist); }
.keyfacts b { display: block; color: var(--brand); font-size: 1.15rem; }
.keyfacts span { color: var(--muted); font-size: .92rem; }
@media (max-width: 560px) { .keyfacts { grid-template-columns: 1fr; } }
.sources { font-size: .9rem; color: var(--muted); }
.sources li { margin: .45em 0; overflow-wrap: anywhere; }
.updated { font-size: .9rem; color: var(--muted); }
.inline-cta { display: grid; grid-template-columns: 1fr auto; gap: 18px; align-items: center; margin: 2.2em 0; padding: 22px 24px; border-radius: var(--radius); background: var(--sand); }
.inline-cta strong { display: block; color: var(--brand); font-size: 1.1rem; }
.inline-cta p { margin: 4px 0 0; color: var(--muted); font-size: .97rem; }
@media (max-width: 600px) { .inline-cta { grid-template-columns: 1fr; } }

@media (max-width: 600px) {
	/* Two-column tables (label + detail) read better stacked than scrolled sideways. */
	.prose table:not(:has(tr > :nth-child(3))) thead { display: none; }
	.prose table:not(:has(tr > :nth-child(3))) :is(th, td) { display: block; width: auto; }
	.prose table:not(:has(tr > :nth-child(3))) tbody th { padding-bottom: 2px; border-bottom: 0; }
}

/* ==========================================================================
   News
   ========================================================================== */

.post-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.post-card { position: relative; display: flex; flex-direction: column; padding: 26px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); transition: transform .25s var(--ease), box-shadow .25s; }
.post-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.post-card .meta { display: flex; gap: 10px; margin-bottom: 12px; font-size: .8rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--pop-deep); }
.post-card .meta time { color: var(--muted); }
.post-card h3 { margin-bottom: 10px; font-size: 1.2rem; }
.post-card h3 a { color: var(--brand); text-decoration: none; }
.post-card h3 a::before { content: ""; position: absolute; inset: 0; }
.post-card p { margin: 0 0 18px; color: var(--muted); font-size: .97rem; }
.post-card .read { margin-top: auto; color: var(--brand-3); font-weight: 700; font-size: .95rem; }
@media (max-width: 960px) { .post-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .post-grid { grid-template-columns: 1fr; } }
.pagination { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px; margin-top: 40px; }
.pagination .page-numbers { display: grid; place-items: center; min-width: 46px; height: 46px; padding: 0 14px; border: 1px solid var(--line); border-radius: 999px; color: var(--brand); font-weight: 700; text-decoration: none; }
.pagination .page-numbers.current { background: var(--brand); border-color: var(--brand); color: var(--white); }

/* ==========================================================================
   Contact
   ========================================================================== */

.contact-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(28px, 5vw, 64px); align-items: start; }
.contact-card { padding: 28px; border-radius: var(--radius); background: var(--mist); }
.contact-card h3 { margin-bottom: 14px; }
.contact-card dl { display: grid; gap: 14px; margin: 0; }
.contact-card dt { font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--pop-deep); }
.contact-card dd { margin: 2px 0 0; color: var(--brand); font-weight: 600; }
.contact-card dd a { color: var(--brand); }
.quote-form { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; padding: clamp(22px, 3vw, 34px); border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: var(--shadow-sm); }
.lead-form-h { margin: 0 0 4px; font-size: 1.45rem; }
.lead-form .field.full > .muted { margin: 0; font-size: .97rem; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .quote-form { grid-template-columns: 1fr; } }

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer { padding: clamp(56px, 8vw, 88px) 0 28px; background: var(--brand-deep); color: var(--muted-dark); font-size: .96rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 40px; }
.site-footer .brand { color: var(--white); }
.site-footer .brand-sub { color: var(--accent-hi); }
.footer-brand p { max-width: 36ch; margin: 18px 0; }
.footer-h { margin: 0 0 16px; color: var(--white); font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.site-footer ul { display: grid; gap: 10px; margin: 0; padding: 0; list-style: none; }
.site-footer a { color: var(--muted-dark); text-decoration: none; }
.site-footer a:hover { color: var(--accent-hi); }
.footer-phone { display: inline-block; margin-bottom: 6px; color: var(--white) !important; font-size: 1.35rem; font-weight: 800; }
.footer-base { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px 28px; margin-top: 48px; padding-top: 24px; border-top: 1px solid var(--line-dark); font-size: .84rem; }
.footer-base p { margin: 0; }
.footer-disclaimer { margin-top: 18px; font-size: .8rem; line-height: 1.6; opacity: .85; }
@media (max-width: 960px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   404 + misc
   ========================================================================== */

.notfound { padding: clamp(80px, 12vw, 140px) 0; text-align: center; }
.notfound .big { margin: 0; color: var(--sky-soft); font-family: var(--display); font-size: clamp(6rem, 18vw, 12rem); font-weight: 800; line-height: .9; }
.notfound h1 { margin-top: 10px; }
.notfound .btn-row { justify-content: center; margin-top: 24px; }

/* Long unbroken strings (email addresses) and wide tables must not widen a one-column layout. */
a[href^="mailto:"] { overflow-wrap: anywhere; }
@media (max-width: 900px) {
	.split, .contact-grid { grid-template-columns: minmax(0, 1fr); }
}

/* Reveal on scroll */
.js [data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); transition-delay: calc(var(--d, 0) * 80ms); }
.js [data-reveal].is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
	*, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
	.js [data-reveal] { opacity: 1; transform: none; }
}

@media print {
	.site-header, .site-footer, .cta-band, .q-card { display: none !important; }
	.page-hero, .hero { background: none; color: #000; }
	.page-hero h1, .hero h1 { color: #000; }
}

/* ==========================================================================
   Tools: cost calculator and plan finder quiz
   ========================================================================== */

.tool { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: var(--shadow); overflow: hidden; }
.tool-inputs { display: grid; grid-template-columns: 1fr 1fr; align-content: start; gap: 16px; padding: clamp(22px, 3vw, 32px); background: var(--mist); border-right: 1px solid var(--line); }
.tool-inputs h2 { grid-column: 1 / -1; margin: 0; font-size: 1.35rem; }
.tool-inputs .hint { margin: 0; color: var(--muted); font-size: .84rem; line-height: 1.45; }
.tool-check { display: flex; gap: 10px; align-items: flex-start; grid-column: 1 / -1; font-size: .93rem; color: var(--text); }
.tool-check input { width: 20px; height: 20px; margin-top: 2px; flex: none; accent-color: var(--brand-3); }
.tool-results { padding: clamp(22px, 3vw, 32px); }
.tool-summary { margin: 0 0 18px; padding: 14px 16px; border-radius: var(--radius-sm); background: var(--sky-soft); color: var(--text); font-size: .98rem; }
.tier-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 12px; }
.tier-card { position: relative; padding: 18px 16px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm); background: var(--white); transition: border-color .2s, box-shadow .2s; }
.tier-card h3 { margin: 0 0 10px; font-size: 1.15rem; }
.tier-card dl { display: grid; gap: 8px; margin: 0; font-size: .86rem; }
.tier-card dl div { display: grid; gap: 1px; }
.tier-card dt { color: var(--muted); }
.tier-card dd { margin: 0; color: var(--brand); font-weight: 700; font-size: 1rem; font-variant-numeric: tabular-nums; }
.tier-card .net dd { font-size: 1.45rem; }
.tier-card .worst { padding-top: 8px; border-top: 1px dashed var(--line); }
.tier-card.is-best { border-color: var(--pop); box-shadow: 0 0 0 3px rgb(var(--pop-rgb) / .18); }
.tier-card.is-best::before { content: "Lowest bad-year cost"; position: absolute; top: -11px; left: 12px; padding: 2px 9px; border-radius: 999px; background: var(--pop-deep); color: var(--white); font-size: .7rem; font-weight: 700; letter-spacing: .02em; }
.tool-note { margin: 16px 0 0; padding: 12px 14px; border-left: 4px solid var(--accent); border-radius: 8px; background: var(--sand); font-size: .92rem; }
.tool-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 18px; margin-top: 20px; }
.tool-disclaimer { margin: 18px 0 0; color: var(--muted); font-size: .8rem; line-height: 1.55; }
.tool:not(.is-unlocked) .tier-card [data-out$="-oop"], .tool:not(.is-unlocked) .tier-card [data-out$="-worst"] { color: var(--muted); font-size: .84rem; font-weight: 600; }
.calc-lead { margin-top: 24px; scroll-margin-top: calc(var(--header) + 16px); }
.calc-lead-note { margin: 0; font-size: .86rem; }
@media (max-width: 1000px) { .tool { grid-template-columns: 1fr; } .tool-inputs { border-right: 0; border-bottom: 1px solid var(--line); } }
@media (max-width: 640px) { .tier-grid { grid-template-columns: 1fr; gap: 18px; } .tier-card dl { grid-template-columns: 1fr 1fr; } .tier-card .worst { grid-column: 1 / -1; } }
@media (max-width: 420px) { .tool-inputs { grid-template-columns: 1fr; } }

.quiz { display: grid; gap: 18px; }
.quiz fieldset { margin: 0; padding: 20px 22px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.quiz legend { float: left; width: 100%; margin: 0 0 12px; padding: 0; color: var(--brand); font-family: var(--display); font-size: 1.15rem; font-weight: var(--display-weight, 800); }
.quiz legend + * { clear: both; }
.quiz-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 10px; }
.quiz-options label { position: relative; display: block; padding: 14px 16px 14px 46px; border: 1.5px solid var(--line); border-radius: var(--radius-sm); background: var(--white); font-size: .95rem; cursor: pointer; transition: border-color .15s, background .15s; }
.quiz-options label small { display: block; color: var(--muted); font-size: .82rem; }
.quiz-options input { position: absolute; left: 16px; top: 17px; width: 18px; height: 18px; margin: 0; accent-color: var(--brand-3); }
.quiz-options label:has(input:checked) { border-color: var(--brand-3); background: var(--sky-soft); }
.quiz-options label:has(input:focus-visible) { outline: 3px solid var(--accent); outline-offset: 2px; }
.quiz-income { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.quiz-submit { display: flex; flex-wrap: wrap; align-items: center; gap: 14px; }
.quiz-result { padding: clamp(24px, 3vw, 34px); border-radius: 24px; background: var(--brand); color: var(--on-dark); }
.quiz-result:focus { outline: none; }
.quiz-result h2 { color: var(--white); font-size: 1.6rem; }
.quiz-pick { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 0 0 18px; }
.quiz-pick div { padding: 16px 18px; border-radius: var(--radius-sm); background: rgba(255, 255, 255, .07); border: 1px solid var(--line-dark); }
.quiz-pick span { display: block; color: var(--muted-dark); font-size: .8rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.quiz-pick b { color: var(--accent-hi); font-family: var(--display); font-size: 1.5rem; }
.quiz-result ul { margin: 0 0 20px; padding-left: 1.2em; }
.quiz-result li { margin-bottom: .6em; }
@media (max-width: 560px) { .quiz-pick, .quiz-income { grid-template-columns: 1fr; } }

/* ==========================================================================
   Glossary
   ========================================================================== */

.az { position: sticky; top: var(--header); z-index: 5; display: flex; flex-wrap: wrap; gap: 6px; margin: 0 0 28px; padding: 12px 0; background: var(--white); border-bottom: 1px solid var(--line); }
.az a { display: grid; place-items: center; min-width: 38px; height: 38px; padding: 0 8px; border-radius: 10px; background: var(--mist); color: var(--brand); font-weight: 700; text-decoration: none; }
.az a:hover { background: var(--brand); color: var(--white); }
.glossary h2 { margin: 1.6em 0 .2em; padding-bottom: 6px; border-bottom: 3px solid var(--accent); font-size: 1.6rem; scroll-margin-top: calc(var(--header) + 80px); }
.glossary dl { margin: 0; }
.glossary dt { margin: 1.3em 0 .25em; color: var(--brand); font-family: var(--display); font-size: 1.2rem; font-weight: var(--display-weight, 800); scroll-margin-top: calc(var(--header) + 80px); }
.glossary dd { margin: 0; }
.glossary dd p { margin: 0 0 .5em; }
.glossary .see { color: var(--muted); font-size: .95rem; }
@media (max-width: 920px) { .az { position: static; } }

/* ==========================================================================
   State directory
   ========================================================================== */

.state-jump { display: grid; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); gap: 8px; margin: 0; padding: 0; list-style: none; }
.state-jump a { display: flex; align-items: center; justify-content: space-between; gap: 8px; padding: 10px 14px; border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--white); color: var(--brand); font-weight: 600; font-size: .95rem; text-decoration: none; }
.state-jump a:hover { border-color: var(--brand-3); background: var(--sky-soft); }
.state-jump .tag { padding: 1px 7px; border-radius: 999px; background: var(--accent); color: var(--brand-deep); font-size: .7rem; font-weight: 700; }
.state-table td, .state-table th { white-space: normal; }
.state-table tbody th { white-space: nowrap; }
.state-table tr[id] { scroll-margin-top: calc(var(--header) + 20px); }
.yes { color: var(--pop-deep); font-weight: 700; }
.no { color: var(--accent-deep); font-weight: 700; }
.wrap-wide { width: min(100% - 2 * var(--gutter), 980px); margin-inline: auto; }