/**
 * HealthGuard - Modern Customizable Health Insurance Stylesheet
 * Vanilla CSS designed for direct deployment to public_html.
 * All core aesthetics are controlled via the CSS variables below.
 */

:root {
  /* ==========================================================================
     CUSTOMIZABLE THEME VARIABLES (Modify these values to restyle your site)
     ========================================================================== */
  --primary-color: #0f4c81;        /* Deep trustworthy maritime blue */
  --primary-hover: #0b375e;        /* Darker shade for hover states */
  --primary-light: #e8f1f8;        /* Soft tinted background */
  --secondary-color: #107065;      /* Calming healthcare teal/emerald */
  --secondary-light: #e6f6f3;      /* Light teal wash */
  --accent-color: #e07a38;         /* High-intent coral/amber accent */
  --accent-hover: #c96525;         /* Accent hover */
  
  --bg-color: #f8fafc;             /* Dominant neutral canvas (60%) */
  --surface-color: #ffffff;        /* Structural card & container surface */
  --surface-alt: #f1f5f9;          /* Secondary structural element */
  --border-color: #e2e8f0;         /* Clean hairline border */
  --border-focus: #0f4c81;         /* Accessible focus ring */
  
  --text-color: #0f172a;           /* Deep readable body text */
  --text-muted: #64748b;          /* Secondary metadata & descriptions */
  --text-light: #94a3b8;          /* Subtle labels and separators */
  --text-inverse: #ffffff;        /* White text for dark surfaces */
  
  --btn-color: #0f4c81;           /* Primary button fill */
  --btn-text: #ffffff;            /* Primary button text */
  --btn-radius: 8px;              /* Button corner radius */
  
  --font-main: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-display: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace;
  
  --border-radius: 12px;           /* Standard container radius */
  --border-radius-sm: 6px;
  --border-radius-lg: 18px;
  
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.06), 0 2px 4px -2px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.08), 0 4px 6px -4px rgba(0, 0, 0, 0.04);
  
  --spacing-unit: 1rem;            /* Base modular spacing unit (16px) */
  --header-height: 72px;           /* Desktop top bar height */
  --container-max-width: 1240px;   /* Standard maximum container width */
  
  --transition-fast: 150ms cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 250ms cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================================================
   BASE RESET & TYPOGRAPHY
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: var(--font-main);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-color);
  background-color: var(--bg-color);
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--text-color);
  line-height: 1.25;
  font-weight: 700;
  text-wrap: balance;
}

h1 { font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -0.025em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); letter-spacing: -0.02em; }
h3 { font-size: 1.35rem; letter-spacing: -0.015em; }
h4 { font-size: 1.125rem; }

p {
  margin-bottom: 1rem;
  color: var(--text-muted);
  max-width: 75ch;
}

p:last-child {
  margin-bottom: 0;
}

a {
  color: var(--primary-color);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--primary-hover);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

button, input, select, textarea {
  font: inherit;
  color: inherit;
}

button {
  cursor: pointer;
  border: none;
  background: none;
}

.tabular-nums {
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum";
}

/* ==========================================================================
   LAYOUT CONTAINERS & UTILITIES
   ========================================================================== */
.container {
  width: 100%;
  max-width: var(--container-max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: calc(var(--spacing-unit) * 1.25);
  padding-right: calc(var(--spacing-unit) * 1.25);
}

.section {
  padding-top: calc(var(--spacing-unit) * 5);
  padding-bottom: calc(var(--spacing-unit) * 5);
  border-bottom: 1px solid var(--border-color);
}

.section-alt {
  background-color: var(--surface-color);
}

.section-header {
  margin-bottom: calc(var(--spacing-unit) * 3);
  text-align: center;
}

.section-kicker {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--secondary-color);
  margin-bottom: 0.5rem;
}

.section-title {
  margin-bottom: 0.75rem;
}

.section-description {
  margin-left: auto;
  margin-right: auto;
  font-size: 1.0625rem;
  max-width: 62ch;
}

/* ==========================================================================
   BUTTONS & FORM CONTROLS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.35rem;
  font-size: 0.9375rem;
  font-weight: 600;
  border-radius: var(--btn-radius);
  transition: all var(--transition-fast);
  white-space: nowrap;
  line-height: 1.2;
}

.btn-primary {
  background-color: var(--btn-color);
  color: var(--btn-text);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background-color: var(--primary-hover);
  color: var(--text-inverse);
  box-shadow: var(--shadow);
}

.btn-secondary {
  background-color: var(--surface-color);
  color: var(--primary-color);
  border: 1px solid var(--border-color);
}

.btn-secondary:hover {
  background-color: var(--surface-alt);
  border-color: var(--primary-color);
}

.btn-accent {
  background-color: var(--accent-color);
  color: var(--text-inverse);
}

.btn-accent:hover {
  background-color: var(--accent-hover);
}

.btn-sm {
  padding: 0.5rem 0.875rem;
  font-size: 0.8125rem;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-color);
  margin-bottom: 0.375rem;
}

.form-label .helper {
  font-weight: 400;
  color: var(--text-muted);
  font-size: 0.75rem;
  margin-left: 0.25rem;
}

.form-control {
  width: 100%;
  padding: 0.6875rem 0.875rem;
  font-size: 0.9375rem;
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  background-color: var(--surface-color);
  color: var(--text-color);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}

.form-control:focus {
  outline: none;
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(15, 76, 129, 0.15);
}

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 24 24' stroke='%2364748b'%3E%3Cpath stroke-linecap='round' stroke-linejoin='round' stroke-width='2' d='M19 9l-7 7-7-7'%3E%3C/path%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  background-size: 1rem;
  padding-right: 2.25rem;
}

/* ==========================================================================
   TOP BAR / HEADER (Top Bar Contract: 3 Zones)
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-height);
  background-color: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border-color);
  display: flex;
  align-items: center;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

/* Zone 1: Single text element wordmark */
.brand-wordmark {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--primary-color);
  letter-spacing: -0.02em;
}

.brand-icon {
  width: 28px;
  height: 28px;
  color: var(--secondary-color);
}

/* Zone 2: Navigation Links */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  list-style: none;
}

.nav-link {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--text-color);
  position: relative;
  padding: 0.25rem 0;
}

.nav-link:hover, .nav-link.active {
  color: var(--primary-color);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background-color: var(--primary-color);
  transition: width var(--transition-fast);
}

.nav-link:hover::after, .nav-link.active::after {
  width: 100%;
}

/* Zone 3: Primary Actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.hamburger-btn {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 38px;
  height: 38px;
  padding: 6px;
  border-radius: var(--border-radius-sm);
  background-color: var(--surface-alt);
}

.hamburger-line {
  width: 100%;
  height: 2px;
  background-color: var(--text-color);
  transition: transform var(--transition-fast), opacity var(--transition-fast);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: var(--header-height);
  left: 0;
  right: 0;
  background-color: var(--surface-color);
  border-bottom: 1px solid var(--border-color);
  padding: 1.5rem;
  box-shadow: var(--shadow-lg);
  z-index: 99;
}

.mobile-menu.open {
  display: block;
}

.mobile-nav-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.mobile-nav-links a {
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--text-color);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero-section {
  padding-top: calc(var(--spacing-unit) * 4);
  padding-bottom: calc(var(--spacing-unit) * 5);
  background: linear-gradient(180deg, rgba(232, 241, 248, 0.45) 0%, rgba(248, 250, 252, 1) 100%);
  border-bottom: 1px solid var(--border-color);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: calc(var(--spacing-unit) * 3);
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.hero-badge-clean {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--secondary-color);
  margin-bottom: 1rem;
}

.hero-title {
  margin-bottom: 1.25rem;
  font-size: clamp(2.25rem, 3.8vw, 3.25rem);
  line-height: 1.15;
}

.hero-subtitle {
  font-size: 1.125rem;
  line-height: 1.6;
  margin-bottom: 2rem;
  color: var(--text-muted);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 2.5rem;
}

.hero-proof-stats {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border-color);
  width: 100%;
}

.stat-item {
  display: flex;
  flex-direction: column;
}

.stat-number {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-color);
}

.stat-label {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.stat-divider {
  width: 1px;
  height: 32px;
  background-color: var(--border-color);
}

.hero-image-wrap {
  position: relative;
  border-radius: var(--border-radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.8);
  background-color: var(--surface-alt);
}

.hero-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* ==========================================================================
   CARDS & STRUCTURAL SURFACES (Single-Elevation, No Pill Clutter)
   ========================================================================== */
.card {
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius);
  padding: calc(var(--spacing-unit) * 1.75);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
}

.card:hover {
  box-shadow: var(--shadow);
  border-color: rgba(15, 76, 129, 0.25);
}

/* Unboxed metadata row with typographic separators (Rule 1A Zero-Pill) */
.metadata-row {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.5rem;
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-bottom: 0.75rem;
}

.metadata-separator {
  color: var(--text-light);
  user-select: none;
}

/* Interactive Filter Tabs / Segmented Controls (Rule 1A) */
.segmented-control {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.25rem;
  background-color: var(--surface-alt);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  flex-wrap: wrap;
}

.segmented-btn {
  padding: 0.4375rem 0.875rem;
  font-size: 0.8125rem;
  font-weight: 500;
  border-radius: calc(var(--border-radius-sm) - 2px);
  color: var(--text-muted);
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.segmented-btn:hover {
  color: var(--text-color);
}

.segmented-btn.active {
  background-color: var(--surface-color);
  color: var(--primary-color);
  font-weight: 600;
  box-shadow: var(--shadow-sm);
}

/* ==========================================================================
   HEALTH INSURANCE TOOLS SECTION
   ========================================================================== */
.tool-nav-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 2rem;
  border-bottom: 1px solid var(--border-color);
  overflow-x: auto;
  padding-bottom: 0.25rem;
}

.tool-tab-btn {
  padding: 0.75rem 1.25rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-muted);
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  transition: all var(--transition-fast);
}

.tool-tab-btn:hover {
  color: var(--text-color);
}

.tool-tab-btn.active {
  color: var(--primary-color);
  border-bottom-color: var(--primary-color);
}

.tool-panel {
  display: none;
}

.tool-panel.active {
  display: block;
  animation: fadeIn 0.2s ease-out;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Tool 1: Cost Estimator */
.calculator-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 2rem;
}

.calc-inputs-card, .calc-results-card {
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
}

.calc-results-card {
  background-color: #fafcfe;
  border-color: rgba(15, 76, 129, 0.2);
  display: flex;
  flex-direction: column;
}

.result-main-metric {
  text-align: center;
  padding: 1.5rem 1rem;
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  margin-bottom: 1.5rem;
}

.result-amount {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--primary-color);
  line-height: 1.1;
}

.result-period {
  font-size: 0.875rem;
  color: var(--text-muted);
}

.result-secondary-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.result-metric-box {
  padding: 0.875rem;
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  text-align: center;
}

.metric-box-val {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--text-color);
}

.metric-box-lbl {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.breakdown-list {
  list-style: none;
  margin-bottom: 1.5rem;
}

.breakdown-item {
  display: flex;
  justify-content: space-between;
  padding: 0.5rem 0;
  font-size: 0.875rem;
  border-bottom: 1px dashed var(--border-color);
}

.breakdown-item:last-child {
  border-bottom: none;
}

.disclaimer-box {
  margin-top: auto;
  padding: 0.875rem;
  font-size: 0.75rem;
  line-height: 1.45;
  color: var(--text-muted);
  background-color: var(--surface-alt);
  border-left: 3px solid var(--secondary-color);
  border-radius: 0 var(--border-radius-sm) var(--border-radius-sm) 0;
}

/* Tool 2: Plan Comparison */
.comparison-container {
  overflow-x: auto;
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius);
  background-color: var(--surface-color);
  box-shadow: var(--shadow-sm);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  min-width: 780px;
}

.comparison-table th, .comparison-table td {
  padding: 1.125rem 1rem;
  border-bottom: 1px solid var(--border-color);
  font-size: 0.875rem;
}

.comparison-table th {
  background-color: var(--surface-alt);
  font-weight: 600;
  color: var(--text-color);
}

.comparison-table th.plan-col {
  width: 22%;
  text-align: center;
}

.comparison-table td.plan-val {
  text-align: center;
}

.plan-header-cell {
  text-align: center;
  padding: 1.5rem 1rem !important;
}

.plan-header-title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
}

.plan-header-price {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--primary-color);
}

.plan-header-badge {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 600;
  color: var(--secondary-color);
  text-transform: uppercase;
  margin-bottom: 0.25rem;
}

/* Tool 3: Deductible & Spending Calculator */
.deductible-calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.progress-bar-container {
  height: 24px;
  background-color: var(--surface-alt);
  border-radius: 12px;
  overflow: hidden;
  display: flex;
  margin: 1.5rem 0;
  border: 1px solid var(--border-color);
}

.progress-fill-you {
  background-color: var(--accent-color);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  transition: width 0.3s ease;
}

.progress-fill-ins {
  background-color: var(--secondary-color);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  transition: width 0.3s ease;
}

/* Tool 4: Questionnaire */
.quiz-step {
  display: none;
}

.quiz-step.active {
  display: block;
}

.quiz-options-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
  margin: 1.5rem 0;
}

.quiz-option-card {
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  padding: 1.25rem;
  background-color: var(--surface-color);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.quiz-option-card:hover {
  border-color: var(--primary-color);
  background-color: var(--primary-light);
}

.quiz-option-card.selected {
  border-color: var(--primary-color);
  background-color: var(--primary-light);
  box-shadow: 0 0 0 2px var(--primary-color);
}

.quiz-option-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--text-color);
  margin-bottom: 0.25rem;
}

.quiz-option-desc {
  font-size: 0.8125rem;
  color: var(--text-muted);
}

/* ==========================================================================
   TYPES & HOW IT WORKS (Numbered Editorial Hierarchy)
   ========================================================================== */
.editorial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
}

.editorial-card {
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius);
  padding: 1.75rem;
  position: relative;
}

.editorial-number {
  font-family: var(--font-display);
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--secondary-color);
  margin-bottom: 0.75rem;
}

.editorial-card h3 {
  margin-bottom: 0.75rem;
  font-size: 1.15rem;
}

.editorial-card p {
  font-size: 0.9375rem;
}

/* ==========================================================================
   BLOG & ARTICLE SYSTEM
   ========================================================================== */
.blog-controls-bar {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2rem;
}

.blog-search-wrap {
  position: relative;
  min-width: 280px;
  flex: 1;
  max-width: 400px;
}

.blog-search-input {
  width: 100%;
  padding: 0.625rem 1rem 0.625rem 2.25rem;
  font-size: 0.875rem;
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  background-color: var(--surface-color);
}

.search-icon-svg {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  width: 16px;
  height: 16px;
  color: var(--text-muted);
  pointer-events: none;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 1.75rem;
}

.article-card {
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius);
  padding: 1.5rem;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}

.article-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  border-color: rgba(15, 76, 129, 0.3);
}

.article-card-title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  line-height: 1.35;
}

.article-card-title a {
  color: var(--text-color);
}

.article-card-title a:hover {
  color: var(--primary-color);
}

.article-card-excerpt {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.article-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 1rem;
  border-top: 1px solid var(--border-color);
  font-size: 0.8125rem;
}

/* Modal Article View */
.article-modal {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(15, 23, 42, 0.65);
  backdrop-filter: blur(4px);
  z-index: 1000;
  overflow-y: auto;
  padding: 2rem 1rem;
}

.article-modal.active {
  display: flex;
  justify-content: center;
  align-items: flex-start;
}

.article-modal-content {
  background-color: var(--surface-color);
  width: 100%;
  max-width: 860px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
  padding: clamp(1.5rem, 4vw, 3rem);
  position: relative;
  margin-top: 2rem;
  margin-bottom: 2rem;
}

.modal-close-btn {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--surface-alt);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--text-color);
  transition: background-color var(--transition-fast);
}

.modal-close-btn:hover {
  background-color: var(--border-color);
}

.article-view-breadcrumbs {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-bottom: 1.25rem;
}

.article-view-title {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  margin-bottom: 1rem;
  line-height: 1.2;
}

.article-body-prose {
  margin-top: 2rem;
  font-size: 1.0625rem;
  line-height: 1.75;
  color: #334155;
}

.article-body-prose h2 {
  font-size: 1.5rem;
  margin-top: 2.25rem;
  margin-bottom: 0.875rem;
  color: var(--text-color);
}

.article-body-prose h3 {
  font-size: 1.25rem;
  margin-top: 1.75rem;
  margin-bottom: 0.75rem;
  color: var(--text-color);
}

.article-body-prose ul, .article-body-prose ol {
  margin-bottom: 1.5rem;
  padding-left: 1.5rem;
}

.article-body-prose li {
  margin-bottom: 0.5rem;
}

.article-faq-item {
  background-color: var(--surface-alt);
  border-radius: var(--border-radius-sm);
  padding: 1.25rem;
  margin-top: 1rem;
  margin-bottom: 1rem;
  border-left: 3px solid var(--primary-color);
}

.article-faq-item h4 {
  font-size: 1rem;
  margin-bottom: 0.5rem;
  color: var(--text-color);
}

.article-faq-item p {
  font-size: 0.9375rem;
  margin-bottom: 0;
}

.related-articles-section {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border-color);
}

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-grid {
  max-width: 820px;
  margin-left: auto;
  margin-right: auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.faq-item {
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}

.faq-trigger {
  width: 100%;
  padding: 1.25rem 1.5rem;
  text-align: left;
  font-weight: 600;
  font-size: 1.0625rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--text-color);
}

.faq-icon {
  width: 20px;
  height: 20px;
  transition: transform var(--transition-fast);
  color: var(--text-muted);
}

.faq-item.open .faq-icon {
  transform: rotate(180deg);
  color: var(--primary-color);
}

.faq-item.open {
  border-color: var(--primary-color);
}

.faq-content {
  display: none;
  padding: 0 1.5rem 1.25rem 1.5rem;
  font-size: 0.9375rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.faq-item.open .faq-content {
  display: block;
}

/* ==========================================================================
   FOOTER (Quiet Footer Contract)
   ========================================================================== */
.site-footer {
  background-color: #0b1320;
  color: #94a3b8;
  padding-top: calc(var(--spacing-unit) * 4);
  padding-bottom: calc(var(--spacing-unit) * 3);
  font-size: 0.875rem;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(3, 1fr);
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer-brand h3 {
  color: #ffffff;
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
}

.footer-col h4 {
  color: #ffffff;
  font-size: 0.9375rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.footer-links a {
  color: #94a3b8;
}

.footer-links a:hover {
  color: #ffffff;
}

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid #1e293b;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-size: 0.8125rem;
}

.footer-legal-links {
  display: flex;
  gap: 1.5rem;
}

/* ==========================================================================
   THEME CUSTOMIZER WIDGET (Live Testing of CSS Variables)
   ========================================================================== */
.theme-customizer-drawer {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 999;
}

.customizer-toggle-btn {
  background-color: var(--primary-color);
  color: var(--text-inverse);
  padding: 0.75rem 1rem;
  border-radius: 9999px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  font-weight: 600;
}

.customizer-panel {
  display: none;
  position: absolute;
  bottom: calc(100% + 0.75rem);
  right: 0;
  width: 300px;
  background-color: var(--surface-color);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius);
  padding: 1.25rem;
  box-shadow: var(--shadow-lg);
}

.customizer-panel.open {
  display: block;
}

.theme-color-palette {
  display: flex;
  gap: 0.5rem;
  margin: 0.75rem 0;
}

.palette-swatch {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid transparent;
  cursor: pointer;
}

.palette-swatch.active {
  border-color: var(--text-color);
  transform: scale(1.1);
}

/* ==========================================================================
   RESPONSIVE MEDIA QUERIES
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }
  
  .calculator-grid, .deductible-calc-grid {
    grid-template-columns: 1fr;
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }
}

@media (max-width: 768px) {
  .nav-menu, .header-cta {
    display: none;
  }
  
  .hamburger-btn {
    display: flex;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
  }
  
  .hero-proof-stats {
    flex-direction: column;
    align-items: flex-start;
    gap: 1rem;
  }
  
  .stat-divider {
    display: none;
  }
}