/* Smooth Health Solutions — shared stylesheet for state guide pages */
:root{
  --navy:#0e4a63; --navy-deep:#0a3a50; --teal:#2ab5b5; --teal-deep:#1f8e9c;
  --coral:#bf4718; --coral-soft:#c44d1a; --coral-ink:#c0431c; --gold:#f0a830; --gold-soft:#f6c66a;
  --cream:#fdf8f1; --sand:#fbf2e6; --ink:#173b4d; --muted:#5c7682;
  --ease:cubic-bezier(.32,.72,0,1);
  --shadow-soft:0 24px 60px -28px rgba(14,74,99,.40);
  --shadow-lift:0 36px 80px -30px rgba(14,74,99,.50);
  --max:1180px; --maxread:780px;
  --display:'Fraunces','Satoshi',system-ui,-apple-system,Segoe UI,sans-serif;
  --body:'Satoshi',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--ink);background:var(--cream);overflow-x:hidden;line-height:1.65;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.read{max-width:var(--maxread);margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--display);font-weight:700;letter-spacing:-.008em;line-height:1.12}
.ic{width:1em;height:1em;display:inline-block;vertical-align:-.125em;fill:currentColor;flex:none}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ───────────── NAV (floating glass island) ───────────── */
header.nav{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;justify-content:center;
  padding:18px 16px;transition:padding .5s var(--ease)}
.nav-pill{display:flex;align-items:center;justify-content:space-between;gap:24px;width:100%;max-width:var(--max);
  height:64px;padding:0 12px 0 22px;border-radius:999px;
  background:rgba(253,248,241,.72);backdrop-filter:blur(16px) saturate(1.3);
  border:1px solid rgba(255,255,255,.55);
  box-shadow:0 10px 40px -16px rgba(14,74,99,.28),inset 0 1px 0 rgba(255,255,255,.6);
  transition:box-shadow .5s var(--ease),background .5s var(--ease)}
.nav-scrolled .nav-pill{box-shadow:0 16px 50px -18px rgba(14,74,99,.42),inset 0 1px 0 rgba(255,255,255,.6)}
.nav-logo{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:600;color:var(--navy);font-size:1.02rem}
.nav-logo img{height:38px;width:auto}
.nav-links{display:flex;align-items:center;gap:8px}
.nav-links a.link{font-weight:500;color:var(--navy);font-size:.94rem;padding:9px 14px;border-radius:999px;transition:background .4s var(--ease)}
.nav-links a.link:hover{background:rgba(14,74,99,.07)}

.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--body);font-weight:700;font-size:.95rem;
  border-radius:999px;cursor:pointer;border:none;transition:transform .5s var(--ease),box-shadow .5s var(--ease),background .4s var(--ease);
  white-space:nowrap}
.btn-primary{background:linear-gradient(135deg,var(--coral),var(--coral-soft));color:#fff;padding:13px 14px 13px 22px;
  box-shadow:0 10px 26px -10px rgba(232,115,74,.75)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 18px 36px -12px rgba(232,115,74,.85)}
.btn-primary:active{transform:translateY(0) scale(.98)}
.btn-primary .ibubble{width:30px;height:30px;border-radius:999px;background:rgba(255,255,255,.22);
  display:grid;place-items:center;transition:transform .5s var(--ease);font-size:1rem}
.btn-primary:hover .ibubble{transform:translate(2px,-1px) scale(1.06)}
.btn-ghost{background:rgba(255,255,255,.14);color:#fff;border:1.5px solid rgba(255,255,255,.45);padding:13px 22px;backdrop-filter:blur(6px)}
.btn-ghost:hover{background:rgba(255,255,255,.26);transform:translateY(-2px)}
.btn-ghost.dark{color:var(--navy);border-color:rgba(14,74,99,.2);background:rgba(255,255,255,.6)}
.btn-ghost.dark:hover{background:#fff;border-color:var(--teal)}

.nav-toggle{display:none;width:42px;height:42px;border-radius:999px;background:rgba(14,74,99,.06);border:none;cursor:pointer;position:relative}
.nav-toggle span{position:absolute;left:11px;width:20px;height:2px;background:var(--navy);border-radius:2px;transition:transform .5s var(--ease),opacity .3s var(--ease)}
.nav-toggle span:nth-child(1){top:15px}.nav-toggle span:nth-child(2){top:21px}.nav-toggle span:nth-child(3){top:27px}
.nav-open .nav-toggle span:nth-child(1){top:21px;transform:rotate(45deg)}
.nav-open .nav-toggle span:nth-child(2){opacity:0}
.nav-open .nav-toggle span:nth-child(3){top:21px;transform:rotate(-45deg)}
.mobile-menu{display:none;flex-direction:column;gap:6px;position:fixed;z-index:99;top:96px;left:16px;right:16px;
  background:rgba(253,248,241,.92);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.6);
  border-radius:24px;padding:16px;box-shadow:var(--shadow-soft)}
.mobile-menu.open{display:flex}
.mobile-menu a{padding:14px 18px;border-radius:14px;font-weight:600;color:var(--navy);font-size:1rem}
.mobile-menu a:active{background:rgba(14,74,99,.07)}

/* ───────────── ARTICLE HERO ───────────── */
.art-hero{padding:150px 0 46px;background:linear-gradient(180deg,var(--sand),var(--cream) 90%)}
.crumbs{display:flex;align-items:center;gap:8px;font-size:.85rem;color:var(--muted);font-weight:500;margin-bottom:22px}
.crumbs a{color:var(--teal-deep);font-weight:700}
.crumbs a:hover{text-decoration:underline}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--teal-deep);font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;font-size:.74rem;background:rgba(42,181,181,.1);padding:7px 14px;border-radius:999px;margin-bottom:18px}
.art-hero h1{font-size:clamp(2rem,5vw,3.1rem);color:var(--navy-deep);max-width:820px}
.art-hero h1 em{font-style:italic;color:var(--coral)}
.standfirst{max-width:720px;margin:18px 0 26px;color:var(--muted);font-size:1.12rem;font-weight:500}
.byline{display:flex;flex-wrap:wrap;align-items:center;gap:14px;font-size:.9rem;color:var(--muted)}
.byline .avatar{width:44px;height:44px;border-radius:999px;border:1px solid rgba(255,255,255,.5);
  display:grid;place-items:center;box-shadow:0 6px 16px -8px rgba(14,74,99,.3);
  background:linear-gradient(135deg,var(--teal),var(--teal-deep));
  font-family:var(--display);font-weight:700;color:#fff;font-size:.98rem;letter-spacing:.01em}
.byline b{display:block;color:var(--navy);font-size:.95rem}
.byline .dot{width:4px;height:4px;border-radius:99px;background:rgba(14,74,99,.3)}
.byline .chip{display:inline-flex;align-items:center;gap:6px;background:rgba(240,168,48,.14);color:#8a5d10;
  font-weight:700;font-size:.78rem;padding:5px 12px;border-radius:999px}

/* ───────────── STICKY TOC ───────────── */
.toc{position:sticky;top:92px;z-index:50;padding:8px 0}
.toc-pill{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none;max-width:var(--max);margin:0 auto;
  padding:8px;border-radius:999px;background:rgba(253,248,241,.85);backdrop-filter:blur(14px) saturate(1.2);
  border:1px solid rgba(14,74,99,.08);box-shadow:0 12px 34px -18px rgba(14,74,99,.35)}
.toc-pill::-webkit-scrollbar{display:none}
.toc-pill a{flex:none;font-size:.84rem;font-weight:600;color:var(--muted);padding:8px 15px;border-radius:999px;
  transition:background .4s var(--ease),color .4s var(--ease)}
.toc-pill a:hover{color:var(--navy)}
.toc-pill a.on{background:var(--navy);color:#fff}

/* ───────────── ARTICLE BODY ───────────── */
.section{padding:54px 0}
.section h2{font-size:clamp(1.55rem,3.4vw,2.15rem);color:var(--navy-deep);margin-bottom:16px;scroll-margin-top:150px}
.section h3{font-size:1.22rem;color:var(--navy);margin:30px 0 10px}
.section p{margin-bottom:16px}
.section p b{color:var(--navy)}
.section ul,.section ol{margin:0 0 18px 22px}
.section li{margin-bottom:9px}
.src{font-size:.82rem;color:var(--muted)}
.src a{color:var(--teal-deep);font-weight:600}
.src a:hover{text-decoration:underline}
a.inlink{color:var(--teal-deep);font-weight:700;border-bottom:1.5px solid rgba(42,181,181,.4)}
a.inlink:hover{border-color:var(--teal-deep)}

/* takeaways card */
.takeaways{margin:40px auto 0;max-width:var(--maxread);padding:0 24px}
.take-core{border-radius:26px;padding:7px;background:rgba(240,168,48,.14);border:1px solid rgba(240,168,48,.25)}
.take-in{background:#fff;border-radius:20px;padding:26px 28px;box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.take-in h2{font-size:1.15rem;color:var(--navy);display:flex;align-items:center;gap:10px;margin-bottom:14px}
.take-in h2 .ic{color:var(--gold);font-size:1.35rem}
.take-in li{margin-bottom:10px;font-size:.98rem}
.take-in li b{color:var(--navy)}

/* stat strip */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:36px 0 6px}
.stat{border-radius:22px;padding:6px;background:rgba(14,74,99,.05);border:1px solid rgba(14,74,99,.07)}
.stat-core{background:#fff;border-radius:17px;padding:20px 18px;height:100%;text-align:center;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.stat-core b{display:block;font-family:var(--display);font-weight:700;font-size:1.65rem;color:var(--navy);letter-spacing:-.02em}
.stat-core b em{font-style:normal;color:var(--coral)}
.stat-core span{font-size:.85rem;color:var(--muted);line-height:1.4;display:block;margin-top:4px}

/* carrier pick cards */
.picks{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:30px 0 10px}
.pick{display:block;border-radius:26px;padding:7px;background:rgba(14,74,99,.05);border:1px solid rgba(14,74,99,.07);
  transition:transform .6s var(--ease),box-shadow .6s var(--ease)}
.pick:hover{transform:translateY(-8px);box-shadow:var(--shadow-lift)}
.pick-core{position:relative;height:100%;background:#fff;border-radius:20px;padding:26px 24px;overflow:hidden;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.9),0 1px 2px rgba(14,74,99,.04)}
.pick-core::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--teal),var(--coral));
  transform:scaleX(0);transform-origin:left;transition:transform .6s var(--ease)}
.pick:hover .pick-core::before{transform:scaleX(1)}
.pick-tag{display:inline-flex;align-items:center;gap:7px;font-size:.74rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--teal-deep);background:rgba(42,181,181,.12);padding:6px 12px;border-radius:999px;margin-bottom:14px}
.pick-core h3{color:var(--navy);font-size:1.3rem;margin:0 0 4px}
.pick-price{font-family:var(--display);font-weight:700;font-size:2rem;color:var(--coral);letter-spacing:-.02em;margin-bottom:10px}
.pick-price span{display:block;font-family:var(--body);font-weight:500;font-size:.85rem;color:var(--muted);letter-spacing:0;margin-top:2px}
.pick-core p{color:var(--muted);font-size:.93rem;margin-bottom:0}

/* data tables */
.tbl-shell{border-radius:24px;padding:7px;background:rgba(14,74,99,.05);border:1px solid rgba(14,74,99,.07);margin:24px 0}
.tbl-scroll{background:#fff;border-radius:18px;overflow-x:auto;box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}
thead th{font-family:var(--display);font-weight:600;text-align:left;color:#fff;background:linear-gradient(135deg,var(--navy),var(--teal-deep));
  padding:14px 18px;font-size:.92rem;letter-spacing:.02em}
tbody td{padding:13px 18px;border-top:1px solid rgba(14,74,99,.08);color:var(--ink)}
tbody tr:nth-child(even){background:rgba(251,242,230,.55)}
tbody td b{color:var(--navy)}
td.num{font-family:var(--display);font-weight:600;color:var(--navy);font-variant-numeric:tabular-nums}
.tbl-note{font-size:.82rem;color:var(--muted);margin-top:10px}

/* lead-capture CTA card */
.leadcta{border-radius:28px;padding:8px;background:rgba(14,74,99,.06);border:1px solid rgba(14,74,99,.08);margin:40px 0}
.leadcta-core{position:relative;overflow:hidden;border-radius:22px;padding:38px 32px;color:#fff;text-align:center;
  background:linear-gradient(135deg,var(--navy-deep),var(--navy) 55%,var(--teal-deep));box-shadow:inset 0 1px 0 rgba(255,255,255,.15)}
.leadcta-core h3{font-size:clamp(1.35rem,3vw,1.7rem);margin:0 0 8px;color:#fff}
.leadcta-core p{color:rgba(255,255,255,.88);max-width:520px;margin:0 auto 22px;font-size:.98rem}
.leadcta-btns{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.leadcta-fine{margin-top:16px;font-size:.78rem;color:rgba(255,255,255,.65)}

/* metal tier cards */
.tiers{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin:26px 0 8px}
.tier{border-radius:20px;padding:6px;background:rgba(14,74,99,.05);border:1px solid rgba(14,74,99,.07)}
.tier-core{background:#fff;border-radius:15px;padding:18px 16px;height:100%;box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.tier-core .t-dot{width:34px;height:34px;border-radius:12px;display:grid;place-items:center;font-size:1.1rem;color:#fff;margin-bottom:10px}
.tier-core h3{font-family:var(--display);color:var(--navy);font-size:1rem;margin-bottom:4px}
.tier-core small{display:block;color:var(--teal-deep);font-weight:700;font-size:.78rem;margin-bottom:6px}
.tier-core p{color:var(--muted);font-size:.83rem;margin:0;line-height:1.5}

/* numbered save-steps */
.steps{counter-reset:step;margin:26px 0 8px}
.step{display:flex;gap:18px;padding:20px 0;border-top:1px solid rgba(14,74,99,.1)}
.step:first-child{border-top:none}
.step::before{counter-increment:step;content:counter(step);flex:none;width:44px;height:44px;border-radius:14px;
  display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:1.2rem;color:#fff;
  background:linear-gradient(135deg,var(--teal),var(--teal-deep));box-shadow:0 10px 20px -8px rgba(42,181,181,.6)}
.step h3{margin:2px 0 6px;font-size:1.1rem}
.step p{margin:0;color:var(--muted);font-size:.95rem}

/* FAQ */
.faq details{border-radius:20px;padding:6px;background:rgba(14,74,99,.05);border:1px solid rgba(14,74,99,.07);margin-bottom:12px}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;
  background:#fff;border-radius:15px;padding:18px 22px;font-family:var(--display);font-weight:600;color:var(--navy);font-size:1.02rem;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ic{color:var(--coral);font-size:1.1rem;transition:transform .4s var(--ease)}
.faq details[open] summary .ic{transform:rotate(180deg)}
.faq details[open] summary{border-radius:15px 15px 0 0}
.faq .faq-a{background:#fff;border-radius:0 0 15px 15px;padding:4px 22px 18px;color:var(--muted);font-size:.95rem}
.faq .faq-a p{margin:10px 0 0}

/* author box */
.author{border-radius:26px;padding:7px;background:rgba(42,181,181,.1);border:1px solid rgba(42,181,181,.2);margin:36px 0}
.author-core{display:flex;gap:22px;background:#fff;border-radius:20px;padding:26px 28px;align-items:flex-start;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.author-core .avatar{flex:none;width:72px;height:72px;border-radius:999px;border:1px solid rgba(255,255,255,.5);
  display:grid;place-items:center;box-shadow:0 12px 26px -12px rgba(14,74,99,.45);
  background:linear-gradient(135deg,var(--teal),var(--teal-deep));
  font-family:var(--display);font-weight:700;color:#fff;font-size:1.5rem;letter-spacing:.01em}
.author-core h3{margin:0 0 2px;font-size:1.2rem}
.author-core .role{color:var(--teal-deep);font-weight:700;font-size:.85rem;display:block;margin-bottom:10px}
.author-core p{color:var(--muted);font-size:.93rem;margin-bottom:10px}
.author-chips{display:flex;flex-wrap:wrap;gap:8px}
.author-chips span{font-size:.78rem;font-weight:700;color:var(--navy);background:rgba(14,74,99,.06);padding:5px 12px;border-radius:999px}

/* state-guide cross links */
.states-strip{border-radius:24px;padding:7px;background:rgba(14,74,99,.05);border:1px solid rgba(14,74,99,.07);margin:36px 0}
.states-core{background:#fff;border-radius:18px;padding:24px 26px;box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.states-core h3{margin:0 0 6px;font-size:1.15rem;color:var(--navy)}
.states-core>p{color:var(--muted);font-size:.9rem;margin-bottom:14px}
.state-chips{display:flex;flex-wrap:wrap;gap:10px}
.state-chips a{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:.88rem;color:var(--navy);
  background:rgba(42,181,181,.1);border:1px solid rgba(42,181,181,.25);padding:9px 16px;border-radius:999px;
  transition:background .4s var(--ease),transform .4s var(--ease)}
.state-chips a:hover{background:rgba(42,181,181,.22);transform:translateY(-2px)}
.state-chips a.here{background:var(--navy);color:#fff;border-color:var(--navy)}

/* CTA band (photographic) */
.cta-shell{padding:8px;border-radius:36px;background:rgba(14,74,99,.06);border:1px solid rgba(14,74,99,.08)}
.cta-band{position:relative;overflow:hidden;border-radius:30px;padding:72px 30px;text-align:center;color:#fff;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.2)}
.cta-band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.cta-band .cta-scrim{position:absolute;inset:0;z-index:1;background:linear-gradient(135deg,rgba(10,58,80,.82),rgba(14,74,99,.6) 55%,rgba(31,142,156,.55))}
.cta-band>*{position:relative;z-index:2}
.cta-band h2{font-size:clamp(1.8rem,4.2vw,2.7rem);text-shadow:0 2px 24px rgba(0,0,0,.35)}
.cta-band p{max-width:560px;margin:16px auto 30px;opacity:.95;font-weight:500;text-shadow:0 1px 14px rgba(0,0,0,.3)}

/* Dark surfaces: force light text. `.section h2` and `.section p b` set navy colors
   that otherwise beat the white inherited from .cta-band / .leadcta-core, making
   headings and bolded words disappear against the dark background. Keep these last. */
.cta-band h2,.cta-band h3,.leadcta-core h2,.leadcta-core h3{color:#fff}
.cta-band p,.cta-band li,.leadcta-core li{color:rgba(255,255,255,.94)}
/* Must out-specify `.section p b` (0,1,2) — hence the doubled class selectors. */
.cta-band p b,.cta-band p strong,.cta-shell .cta-band b,.cta-shell .cta-band strong,
.leadcta-core p b,.leadcta-core p strong,.leadcta .leadcta-core b,.leadcta .leadcta-core strong{color:#fff;font-weight:700}
.cta-shell .cta-band a.inlink,.leadcta .leadcta-core a.inlink{color:var(--gold-soft)}
.hero-cta{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.hero-cta .btn{padding-top:15px;padding-bottom:15px;font-size:1.02rem}
.hero-cta .btn-primary{padding-right:15px}

/* disclaimer + footer */
.disclaimer{background:var(--sand);border:1px solid rgba(14,74,99,.1);border-radius:20px;padding:24px 28px;max-width:940px;margin:0 auto;color:var(--muted);font-size:.88rem;display:flex;gap:16px;align-items:flex-start}
.disclaimer .ic{color:var(--coral);font-size:1.4rem;flex:none;margin-top:1px}
.disclaimer b{color:var(--navy)}
footer{background:var(--navy-deep);color:#dbe7ec;padding:64px 0 32px;margin-top:80px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1.1fr;gap:44px}
.foot-grid h3{font-family:var(--display);color:#fff;font-size:1.05rem;margin-bottom:16px;font-weight:600}
.foot-grid a{color:#bcd2da;display:flex;align-items:center;gap:9px;margin-bottom:11px;font-size:.93rem;transition:color .4s var(--ease)}
.foot-grid a:hover{color:var(--gold-soft)}
.foot-disc{font-size:.83rem;line-height:1.7;color:#9fb9c2;margin-top:10px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:42px;padding-top:24px;text-align:center;font-size:.85rem;color:#8fa9b3}
.foot-bottom a{color:#bcd2da;text-decoration:underline}

/* ───────────── SUBSIDY CALCULATOR ───────────── */
.calc-shell{border-radius:28px;padding:8px;background:rgba(14,74,99,.06);border:1px solid rgba(14,74,99,.08);margin:10px 0 40px}
.calc-core{background:#fff;border-radius:22px;padding:30px 28px;box-shadow:inset 0 1px 0 rgba(255,255,255,.9)}
.calc-step{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:600;color:var(--navy);font-size:1.08rem;margin:26px 0 14px}
.calc-step:first-child{margin-top:0}
.calc-step .n{flex:none;width:30px;height:30px;border-radius:10px;display:grid;place-items:center;font-size:.95rem;color:#fff;
  background:linear-gradient(135deg,var(--teal),var(--teal-deep))}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-field{display:flex;flex-direction:column;gap:6px}
.calc-field.full{grid-column:1/-1}
.calc-field label{font-weight:700;font-size:.88rem;color:var(--navy)}
.calc-field small{color:var(--muted);font-size:.78rem;line-height:1.4}
.calc-field input,.calc-field select{font-family:var(--body);font-size:1rem;color:var(--ink);background:var(--cream);
  border:1.5px solid rgba(14,74,99,.18);border-radius:12px;padding:12px 14px;width:100%;outline:none;
  transition:border-color .3s var(--ease),box-shadow .3s var(--ease)}
.calc-field input:focus,.calc-field select:focus{border-color:var(--teal-deep);box-shadow:0 0 0 3px rgba(42,181,181,.18)}
.calc-people{display:flex;flex-direction:column;gap:10px}
.person-row{display:flex;align-items:center;gap:10px;background:var(--sand);border:1px solid rgba(14,74,99,.1);
  border-radius:14px;padding:10px 12px;flex-wrap:wrap}
.person-row .p-tag{font-weight:700;font-size:.82rem;color:var(--teal-deep);min-width:70px}
.person-row input[type=number]{width:90px;background:#fff;border:1.5px solid rgba(14,74,99,.18);border-radius:10px;padding:9px 10px;font-size:1rem}
.person-row .tob{display:inline-flex;align-items:center;gap:7px;font-size:.85rem;color:var(--muted);font-weight:600;cursor:pointer;user-select:none}
.person-row .tob input{accent-color:var(--teal-deep);width:17px;height:17px;cursor:pointer}
.person-row .p-x{margin-left:auto;background:none;border:none;color:var(--muted);font-size:1.05rem;cursor:pointer;padding:6px 8px;border-radius:8px}
.person-row .p-x:hover{background:rgba(14,74,99,.08);color:var(--navy)}
.calc-add{align-self:flex-start;display:inline-flex;align-items:center;gap:8px;background:rgba(42,181,181,.12);color:var(--teal-deep);
  font-weight:700;font-size:.9rem;border:1.5px dashed rgba(42,181,181,.5);border-radius:999px;padding:9px 18px;cursor:pointer;
  transition:background .3s var(--ease)}
.calc-add:hover{background:rgba(42,181,181,.22)}
.calc-radio{display:flex;gap:10px;flex-wrap:wrap}
.calc-radio label{display:inline-flex;align-items:center;gap:8px;background:var(--cream);border:1.5px solid rgba(14,74,99,.18);
  border-radius:999px;padding:10px 18px;font-weight:600;font-size:.92rem;color:var(--ink);cursor:pointer;transition:all .3s var(--ease);
  flex:0 0 auto;max-width:100%}
.calc-radio input{accent-color:var(--teal-deep);cursor:pointer;width:17px;height:17px;flex:none}
.calc-radio label:has(input:checked){border-color:var(--teal-deep);background:rgba(42,181,181,.12);color:var(--navy)}
.calc-go{width:100%;justify-content:center;margin-top:24px;padding-top:16px!important;padding-bottom:16px!important;font-size:1.05rem!important}
.calc-err{display:none;margin-top:12px;color:#a33b12;background:rgba(232,115,74,.1);border:1px solid rgba(232,115,74,.35);
  border-radius:12px;padding:11px 14px;font-size:.9rem;font-weight:600}
.calc-err.show{display:block}

/* results */
.res{display:none;margin-top:6px}
.res.show{display:block;animation:resin .7s var(--ease)}
@keyframes resin{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
.res-hero{text-align:center;padding:30px 20px 24px;border-radius:20px;color:#fff;margin-bottom:16px;
  background:linear-gradient(135deg,var(--navy-deep),var(--navy) 55%,var(--teal-deep))}
.res-hero .res-label{font-size:.8rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;opacity:.85}
.res-hero .res-big{font-family:var(--display);font-weight:700;font-size:clamp(2.6rem,8vw,3.6rem);letter-spacing:-.02em;line-height:1.05;margin:6px 0 2px}
.res-hero .res-big small{font-family:var(--body);font-weight:500;font-size:1rem;opacity:.85}
.res-hero .res-chip{display:inline-flex;margin-top:10px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.35);
  border-radius:999px;padding:6px 16px;font-weight:700;font-size:.85rem}
.res-lines{background:var(--sand);border:1px solid rgba(14,74,99,.1);border-radius:16px;padding:6px 18px;margin-bottom:16px}
.res-line{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:11px 0;border-top:1px solid rgba(14,74,99,.08);font-size:.94rem}
.res-line:first-child{border-top:none}
.res-line span{color:var(--muted)}
.res-line b{font-family:var(--display);font-weight:600;color:var(--navy);white-space:nowrap}
.res-note{border-radius:16px;padding:16px 18px;font-size:.92rem;margin-bottom:16px;border:1px solid}
.res-note b{display:block;margin-bottom:4px}
.res-note.good{background:rgba(42,181,181,.1);border-color:rgba(42,181,181,.35);color:var(--ink)}
.res-note.good b{color:var(--teal-deep)}
.res-note.warn{background:rgba(240,168,48,.12);border-color:rgba(240,168,48,.4);color:var(--ink)}
.res-note.warn b{color:#8a5d10}
.res-ctas{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:22px 0 4px}
.res-fine{font-size:.78rem;color:var(--muted);text-align:center;margin-top:10px}
@media(max-width:640px){
  .calc-grid{grid-template-columns:1fr}
  .calc-core{padding:24px 18px}
  .calc-radio{flex-direction:column;align-items:stretch}
  .calc-radio label{justify-content:flex-start;border-radius:16px;white-space:normal;text-align:left}
}

/* reveal */
.rv{opacity:0;transform:translateY(24px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.rv.in{opacity:1;transform:none}

/* ───────────── RESPONSIVE ───────────── */
@media(max-width:960px){
  .stats{grid-template-columns:repeat(2,1fr)}
  .picks{grid-template-columns:1fr}
  .tiers{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:760px){
  .nav-links .link{display:none}
  .nav-toggle{display:block}
  .nav-pill{padding-right:8px}
  .foot-grid{grid-template-columns:1fr;gap:30px}
  .art-hero{padding-top:126px}
  .author-core{flex-direction:column}
  .toc{top:84px}
}
@media(max-width:520px){
  .stats{grid-template-columns:1fr}
  .tiers{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
  html{scroll-behavior:auto}
  .rv{opacity:1!important;transform:none!important}
}