/* Browse Health Plans — design system. Light theme only (public site, older audience). */
:root {
  color-scheme: light;
  --ink: #0f1f33;
  --ink-2: #3d4a5c;
  --muted: #6b7686;
  --line: #dfe4ea;
  --line-soft: #ebeff3;
  --surface: #ffffff;
  --page: #f5f7fa;
  --navy: #0f2a4a;
  --navy-2: #163a66;
  --green: #1a8f3c;        /* primary action */
  --green-2: #147330;
  --green-soft: #e6f5ea;
  --pub: #2a78d6;          /* Marketplace side (validated palette slot 1) */
  --pub-light: #6da7ec;    /* full price bar */
  --pub-dark: #1c5cab;     /* after-credit bar */
  --pub-soft: #eaf2fc;
  --priv: #1baf7a;         /* Private side (slot 3) */
  --priv-soft: #e7f7f0;
  --warn-soft: #fff4dc;
  --warn-ink: #7a5200;
  --radius: 16px;
  --shadow: 0 2px 6px rgba(15, 31, 51, 0.06), 0 12px 32px rgba(15, 31, 51, 0.06);
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font); font-size: 18px; line-height: 1.55; color: var(--ink); background: var(--page); }
img, svg { max-width: 100%; }
a { color: var(--navy-2); }
h1, h2, h3 { line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2rem, 5vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3.2vw, 2.1rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1em; }
.wrap { width: min(1120px, 100% - 32px); margin-inline: auto; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
[id] { scroll-margin-top: 84px; }
.nowrap { white-space: nowrap; }
.num { font-variant-numeric: tabular-nums; }

/* ---------- header ---------- */
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(255,255,255,.94); backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 68px; }
.logo { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.15rem; letter-spacing: -0.01em; }
.logo svg { width: 34px; height: 34px; flex: none; }
.header-right { display: flex; align-items: center; gap: 14px; }
.header-right .nav a { color: var(--ink-2); text-decoration: none; font-weight: 600; padding: 10px 6px; }
.phone-link { display: inline-flex; align-items: center; gap: 8px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.05rem; padding: 10px 14px; border: 2px solid var(--navy); border-radius: 999px; min-height: 44px; }
.phone-link small { font-weight: 600; color: var(--muted); font-size: .8rem; }
@media (max-width: 720px) { .header-right .nav { display: none; } .phone-link small { display: none; } .phone-link { white-space: nowrap; padding: 8px 12px; font-size: 1rem; } }
@media (max-width: 520px) { .logo span { display: none; } .site-header .wrap { min-height: 60px; } }

/* ---------- hero ---------- */
.hero { padding: 40px 0 28px; background: linear-gradient(180deg, #ffffff 0%, var(--page) 100%); }
.hero .grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 900px) { .hero .grid { grid-template-columns: 1fr; gap: 24px; } }
.eyebrow { display: inline-block; font-size: .85rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--pub-dark); background: var(--pub-soft); padding: 6px 12px; border-radius: 999px; margin-bottom: 14px; }
.lede { font-size: 1.2rem; color: var(--ink-2); max-width: 34ch; }
.trust { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 10px; }
.trust li { display: flex; gap: 10px; align-items: flex-start; color: var(--ink-2); font-size: 1rem; }
.trust svg { width: 22px; height: 22px; flex: none; color: var(--green); margin-top: 3px; }
.split-preview { margin-top: 26px; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.split-preview div { border-radius: 12px; padding: 12px 14px; font-weight: 700; font-size: .95rem; }
.split-preview .pub { background: var(--pub-soft); color: var(--pub-dark); border-left: 5px solid var(--pub); }
.split-preview .priv { background: var(--priv-soft); color: #0d6b48; border-left: 5px solid var(--priv); }
.split-preview span { display: block; font-weight: 500; color: var(--ink-2); font-size: .9rem; }

/* ---------- cards & forms ---------- */
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.card h2 { font-size: 1.35rem; margin-bottom: 4px; }
.card .sub { color: var(--muted); margin-bottom: 18px; font-size: 1rem; }
.field { margin-bottom: 16px; }
.field label, .field .lbl { display: block; font-weight: 700; margin-bottom: 6px; }
.hint { display: block; font-weight: 500; color: var(--muted); font-size: .92rem; margin-top: 2px; }
input[type=text], input[type=tel], input[type=email], input[type=number], select {
  width: 100%; font: inherit; font-size: 1.15rem; padding: 12px 14px; min-height: 52px; border: 2px solid var(--line); border-radius: 12px; background: #fff; color: var(--ink);
}
input:focus, select:focus, button:focus-visible, .tile:focus-visible, a:focus-visible { outline: 3px solid #ffbf47; outline-offset: 2px; }
.row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 480px) { .row-2 { grid-template-columns: 1fr; } }
.seg { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.seg button, .tiles button { font: inherit; font-weight: 700; font-size: 1.05rem; min-height: 52px; padding: 10px 12px; border: 2px solid var(--line); border-radius: 12px; background: #fff; color: var(--ink); cursor: pointer; }
.seg button[aria-pressed=true], .tiles button[aria-pressed=true] { border-color: var(--navy); background: var(--navy); color: #fff; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.tiles button { font-size: 1rem; }
.money { position: relative; }
.money::before { content: "$"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--muted); font-size: 1.15rem; }
.money input { padding-left: 32px; }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: inherit; font-weight: 800; font-size: 1.15rem; min-height: 56px; padding: 12px 22px; border-radius: 14px; border: 2px solid transparent; cursor: pointer; text-decoration: none; }
.btn-green { background: var(--green); color: #fff; border-color: var(--green); }
.btn-green:hover { background: var(--green-2); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-outline { background: #fff; color: var(--navy); border-color: var(--navy); }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: wait; }
.form-note { color: var(--muted); font-size: .95rem; margin-top: 12px; }
.error { background: #fdecec; color: #8a1f1f; border: 1px solid #f3b9b9; border-radius: 10px; padding: 10px 12px; margin: 0 0 12px; font-weight: 600; display: none; }
.error.show { display: block; }

/* ---------- results ---------- */
.results { display: none; padding: 28px 0 40px; }
.results.show { display: block; }
.results-head { margin-bottom: 18px; }
.results-head h2 { margin-bottom: 4px; }
.results-head p { color: var(--ink-2); margin: 0; }
.adjust { position: sticky; top: 68px; z-index: 30; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 10px 12px; margin: 0 0 20px; display: flex; flex-wrap: wrap; gap: 10px; align-items: end; box-shadow: var(--shadow); }
.adjust .f { display: grid; gap: 4px; }
.adjust label { font-size: .78rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .05em; }
.adjust input, .adjust select { min-height: 44px; font-size: 1rem; padding: 8px 10px; border-radius: 10px; }
.adjust .f.zip { width: 100px; } .adjust .f.age { width: 84px; } .adjust .f.sex { width: 110px; } .adjust .f.hh { width: 170px; } .adjust .f.inc { width: 150px; }
.adjust .f.sp { width: 84px; } .adjust .f.spsex { width: 110px; } .adjust .f.kids { width: 84px; }
.adjust .money::before { left: 10px; font-size: 1rem; }
.adjust .money input { padding-left: 24px; }
@media (max-width: 720px) { .adjust { position: static; } }
.stat-strip { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 12px; margin-bottom: 18px; }
.stat { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; }
.stat .l { font-size: .85rem; color: var(--muted); font-weight: 600; }
.stat .v { font-size: 1.5rem; font-weight: 800; color: var(--ink); }
.stat .d { font-size: .9rem; color: var(--ink-2); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; align-items: stretch; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; } }
.side { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 20px; display: flex; flex-direction: column; gap: 14px; border-top: 6px solid var(--pub); }
.side.private { border-top-color: var(--priv); }
.side-head { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 8px 10px; }
.side-head h3 { font-size: 1.35rem; margin: 0; }
.badge { display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; padding: 4px 10px; border-radius: 999px; white-space: nowrap; }
.side .badge { background: var(--pub-soft); color: var(--pub-dark); }
.side.private .badge { background: var(--priv-soft); color: #0d6b48; }
.side-sub { color: var(--muted); font-size: .95rem; margin: 0; }
.chart { position: relative; }
.chart svg { display: block; width: 100%; height: auto; overflow: visible; }
.chart .bar { transform-box: fill-box; transform-origin: left center; transform: scaleX(0.02); transition: transform .7s cubic-bezier(.2,.7,.2,1); }
.chart.in .bar { transform: scaleX(1); }
.chart .grid { stroke: var(--line-soft); stroke-width: 1; }
.chart .axis { stroke: var(--line); stroke-width: 1; }
.chart .tick { fill: var(--muted); font-size: 13.5px; font-variant-numeric: tabular-nums; }
.chart .rlabel { fill: var(--ink); font-size: 17px; font-weight: 700; }
.chart .rsub { fill: var(--muted); font-size: 13px; }
.chart .vlabel { fill: var(--ink); font-size: 15px; font-weight: 700; font-variant-numeric: tabular-nums; }
.chart .vlabel.small { font-size: 15px; }
.chart .vkey { font-size: 9px; }
.chart .rlabel .rsub { font-weight: 500; }
.chart .row { cursor: default; }
.chart .row:hover .bar, .chart .row:focus .bar { filter: brightness(.92); }
.legend { display: flex; flex-wrap: wrap; gap: 14px; font-size: .95rem; color: var(--ink-2); margin: 0; padding: 0; list-style: none; }
.legend li { display: inline-flex; align-items: center; gap: 6px; }
.legend i { width: 16px; height: 16px; border-radius: 8px; display: inline-block; }
.tip { position: absolute; z-index: 5; pointer-events: none; background: var(--ink); color: #fff; font-size: .85rem; padding: 8px 10px; border-radius: 8px; box-shadow: var(--shadow); max-width: 240px; display: none; }
.tip.show { display: block; }
.facts { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; font-size: .98rem; color: var(--ink-2); }
.facts li { display: flex; gap: 8px; align-items: flex-start; }
.facts li::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--pub); flex: none; margin-top: 9px; }
.side.private .facts li::before { background: var(--priv); }
.callout { border-radius: 12px; padding: 12px 14px; font-size: .98rem; }
.callout.good { background: var(--green-soft); color: #0f5a26; }
.callout.warn { background: var(--warn-soft); color: var(--warn-ink); }
.callout.info { background: var(--pub-soft); color: var(--navy-2); }
.callout strong { font-weight: 800; }
.table-toggle { font: inherit; font-size: .9rem; font-weight: 700; color: var(--navy-2); background: none; border: 0; padding: 6px 0; cursor: pointer; text-decoration: underline; text-align: left; }
.viz-table { width: 100%; border-collapse: collapse; font-size: .95rem; display: none; }
.viz-table.show { display: table; }
.viz-table th, .viz-table td { text-align: left; padding: 8px 6px; border-bottom: 1px solid var(--line-soft); font-variant-numeric: tabular-nums; }
.viz-table th { font-size: .8rem; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }

/* ---------- comparison ---------- */
.compare { margin-top: 22px; }
.compare table { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; font-size: 1rem; }
.compare th, .compare td { padding: 12px 14px; border-bottom: 1px solid var(--line-soft); text-align: left; vertical-align: top; }
.compare th { background: #f8fafc; font-size: .85rem; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); }
.compare td:first-child { font-weight: 700; width: 24%; }
.compare th.pub { color: var(--pub-dark); } .compare th.priv { color: #0d6b48; }
@media (max-width: 640px) {
  .compare table, .compare thead, .compare tbody, .compare tr, .compare th, .compare td { display: block; }
  .compare thead { display: none; }
  .compare tr { border-bottom: 8px solid var(--page); }
  .compare td { border: 0; padding: 8px 14px; }
  .compare td:first-child { background: #f8fafc; padding-top: 12px; width: auto; }
  .compare td[data-label]::before { content: attr(data-label); display: block; font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); }
}

/* ---------- lock / lead form ---------- */
.lock { margin-top: 28px; position: relative; }
.lock-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 20px; align-items: start; }
@media (max-width: 900px) { .lock-grid { grid-template-columns: 1fr; } }
.preview { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; min-height: 320px; }
.preview .rows { padding: 16px; filter: blur(5px); user-select: none; pointer-events: none; }
.preview .prow { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 8px; padding: 12px 6px; border-bottom: 1px solid var(--line-soft); font-size: .95rem; }
.preview .prow b { display: block; }
.preview .overlay { position: absolute; inset: 0; display: grid; place-items: center; text-align: center; padding: 20px; background: linear-gradient(180deg, rgba(255,255,255,.15), rgba(255,255,255,.85)); }
.preview .overlay div { max-width: 340px; }
.preview .overlay svg { width: 44px; height: 44px; color: var(--navy); }
.preview .overlay strong { display: block; font-size: 1.2rem; margin: 6px 0 4px; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .9rem; color: var(--ink-2); line-height: 1.45; cursor: pointer; }
.consent input { width: 26px; height: 26px; flex: none; margin: 2px 0 0; accent-color: var(--green); }
.unlocked { display: none; margin-top: 28px; }
.unlocked.show { display: block; }
.plans-table { width: 100%; min-width: 860px; border-collapse: collapse; background: #fff; font-size: .95rem; }
.plans-table th, .plans-table td { padding: 10px 8px; border-bottom: 1px solid var(--line-soft); text-align: left; vertical-align: top; }
.plans-table th { font-size: .78rem; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); background: #f8fafc; }
.plans-table td:first-child { min-width: 230px; }
.plans-table td.num, .plans-table th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.plans-table .pname { font-weight: 700; } .plans-table .pissuer { color: var(--muted); font-size: .88rem; }
.plans-table .net { color: #0f5a26; font-weight: 800; }
.plans-table .gross-struck { color: var(--muted); text-decoration: line-through; font-size: .85rem; }
.tier-block { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; margin-bottom: 16px; }
.tier-block h3 { margin: 0; padding: 14px 16px; background: var(--pub-soft); color: var(--navy); font-size: 1.1rem; display: flex; justify-content: space-between; align-items: center; gap: 10px; }
.tier-block h3 span { font-size: .9rem; color: var(--ink-2); font-weight: 600; }
.tier-block .more { display: block; width: 100%; font: inherit; font-weight: 700; color: var(--navy-2); background: #fff; border: 0; border-top: 1px solid var(--line-soft); padding: 12px; cursor: pointer; }
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
@media (max-width: 720px) {
  /* Phones: one card per plan instead of a sideways-scrolling table. */
  .plans-table { min-width: 0; font-size: .95rem; }
  .plans-table thead { display: none; }
  .plans-table, .plans-table tbody { display: block; }
  .plans-table tr { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 14px; padding: 14px 16px; border-bottom: 1px solid var(--line-soft); }
  .plans-table td, .plans-table td.num { display: block; padding: 0; border: 0; text-align: left; white-space: normal; }
  .plans-table td:first-child { grid-column: 1 / -1; }
  .plans-table td[data-label]::before { content: attr(data-label); display: block; font-size: .7rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--muted); margin-bottom: 1px; }
  .plans-table td.plink { grid-column: 1 / -1; }
  .plans-table td.plink:empty { display: none; }
}
.next-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; margin-top: 10px; }
.next-steps .step { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px; }
.next-steps .n { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; margin-bottom: 8px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 14px; }

/* ---------- sections ---------- */
.section { padding: 36px 0; }
.how { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.how .step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.how .n { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; font-size: 1.1rem; margin-bottom: 10px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 4px 18px; margin-bottom: 10px; }
.faq summary { cursor: pointer; font-weight: 700; padding: 12px 0; font-size: 1.05rem; min-height: 44px; }
.faq p { color: var(--ink-2); margin-bottom: 14px; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy); color: #d5deea; padding: 34px 0 90px; font-size: .92rem; }
.site-footer a { color: #fff; }
.site-footer .cols { display: grid; grid-template-columns: 1.2fr 1fr; gap: 24px; }
@media (max-width: 720px) { .site-footer .cols { grid-template-columns: 1fr; } }
.site-footer p { margin-bottom: .7em; }
.site-footer .legal { font-size: .85rem; color: #aebbcb; }

/* ---------- sticky mobile bar ---------- */
.action-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 45; display: none; gap: 10px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(15,31,51,.08); }
.action-bar.show { display: flex; }
.action-bar .btn { flex: 1; min-height: 52px; font-size: 1.05rem; padding: 10px; }
@media (min-width: 861px) { .action-bar { display: none !important; } }

/* legal pages */
.legal-page { padding: 34px 0 60px; }
.legal-page .card { max-width: 820px; margin: 0 auto; }
.legal-page h2 { font-size: 1.3rem; margin-top: 1.4em; }
.legal-page ul { padding-left: 22px; }
.legal-page li { margin-bottom: 8px; }

/* ---------- advisor reveal (after unlock) ---------- */
.matched { background: #fff; border: 1px solid #e6dcc4; border-radius: var(--radius); padding: 24px; margin: 0 0 28px; box-shadow: var(--shadow); }
.matched .m-eyebrow { display: block; text-align: center; font-size: .82rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: #8a6a1f; margin-bottom: 10px; }
.matched h2 { text-align: center; color: var(--navy); font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 14px; }
.matched .m-logo { display: block; width: min(420px, 90%); margin: 0 auto 18px; }
.matched .m-row { display: grid; grid-template-columns: minmax(240px, 340px) 1fr; gap: 22px; align-items: center; border-top: 1px solid #e6dcc4; padding-top: 20px; }
@media (max-width: 720px) { .matched .m-row { grid-template-columns: 1fr; } }
.matched .m-card { width: 100%; border-radius: 12px; box-shadow: 0 8px 24px rgba(15,42,74,.18); display: block; }
.matched h3 { color: var(--navy); font-size: 1.35rem; margin: 0 0 2px; }
.matched .m-title { color: #8a6a1f; font-weight: 700; margin: 0 0 4px; }
.matched .m-states { color: var(--muted); font-size: .92rem; margin: 0 0 12px; }
.matched .m-both { color: var(--ink-2); margin: 0 0 10px; }
.matched .m-sent { background: var(--green-soft); color: #0f5a26; border-radius: 10px; padding: 10px 12px; font-weight: 600; margin: 0 0 14px; }
.matched .m-contact { display: flex; flex-wrap: wrap; gap: 10px 18px; margin: 0 0 14px; font-weight: 600; }
.matched .m-contact a { color: var(--navy); text-decoration: none; }
.matched .cta-row { margin-top: 0; }