/* ============================================================
   HealthInsuranceFinders — "Warm Care" design system (v5)
   Tokens per design handoff: cream / pine / apricot
   ============================================================ */
:root{
  --cream:#FAF5EC; --pine:#1C4B3C; --pine-deep:#17382D; --pine-hover:#163C30;
  --ink:#163C30; --body:#4A6357; --muted:#71836F; --faint:#7A8B7C; --faint2:#93A090; --nav:#3C5A4D;
  --apricot:#E98A55; --apricot-hover:#D97742; --apricot-shadow:rgba(233,138,85,.35);
  --highlight:#F5CBA6;
  --wash:#F7E7D6; --wash-border:#EFD9BE;
  --chip:#F3E8D8; --chip-border:#E7D8BE; --chip-text:#8A5A2E;
  --card-border:#EAE2D0; --input-border:#DDD3BD;
  --table-head:#F3EDDE; --row-line:#F0EADA; --rule:#E5DCC6;
  --warn-bg:#FBEFDF; --warn-border:#ECD3AE; --warn-text:#7A4A1C;
  --good-bg:#EDF5EA; --good-border:#CFE3C8; --good-text:#2C5B36;
  --info-bg:#EFF3EA; --info-border:#D8E3D2; --info-text:#33544A;
  --dot:#5B8C5A;
  --disp:'Bricolage Grotesque',sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);font-family:'Instrument Sans',system-ui,-apple-system,sans-serif;
  color:var(--ink);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
::selection{background:var(--highlight)}
a{color:var(--pine);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{color:#0F332A}
:focus-visible{outline:3px solid var(--highlight);outline-offset:2px;border-radius:6px}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px}
main p{color:var(--body)}
main{padding:34px 0 12px}
main > .wrap > p{max-width:780px}
article p{max-width:760px;font-size:16px;line-height:1.72}

/* ---------- headings ---------- */
h1,h2,h3,.res-big{font-family:var(--disp);color:var(--ink)}
h1{font-size:clamp(30px,3.8vw,42px);line-height:1.12;letter-spacing:-.02em;font-weight:700;margin:14px 0 14px}
h2{font-size:26px;margin:42px 0 14px;font-weight:700;letter-spacing:-.01em}
h3{font-size:18.5px;margin:28px 0 10px;font-weight:700}

/* ---------- announce + utility bar ---------- */
.announce{background:var(--wash);border-bottom:1px solid var(--wash-border);color:#6B4A26;font-size:13px;text-align:center;padding:8px 16px}
.announce a{color:var(--pine);font-weight:700}
.topbar{background:var(--pine-deep);color:#C9DCCB;font-size:12.5px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;row-gap:3px;padding:7px 28px;flex-wrap:wrap}
.topbar span b{color:#fff;font-weight:600}
@media(max-width:720px){.topbar .wrap{justify-content:center}.topbar .tb-r{display:none}}

/* ---------- header ---------- */
header.site{background:var(--cream);border-bottom:1px solid var(--card-border);position:sticky;top:0;z-index:40}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 28px;gap:20px}
.logo{display:flex;gap:10px;align-items:center;text-decoration:none}
.logo span{font-family:var(--disp);font-weight:700;font-size:19.5px;letter-spacing:-.02em;color:var(--ink)}
.logo span .lg2{color:var(--apricot)}
nav.main{display:flex;align-items:center;gap:2px;overflow-x:auto;-webkit-overflow-scrolling:touch}
nav.main a{padding:8px 12px;border-radius:999px;text-decoration:none;color:var(--nav);font-weight:600;font-size:14.5px;white-space:nowrap;transition:background .15s,color .15s}
nav.main a:hover{background:#F1EADB;color:var(--ink)}
nav.main a.on{background:#F1EADB;color:var(--ink);font-weight:700}
nav.main a.navcta{margin-left:10px;padding:11px 20px;background:var(--pine);color:var(--cream);font-weight:700}
nav.main a.navcta:hover{background:var(--pine-hover);color:var(--cream)}
@media(max-width:860px){header.site .wrap{flex-wrap:wrap;padding:10px 18px}.logo span{font-size:17.5px}nav.main{width:100%;justify-content:flex-start}nav.main a{padding:7px 10px;font-size:13.5px}}

/* ---------- buttons ---------- */
.btn{display:inline-block;background:var(--pine);color:var(--cream) !important;text-decoration:none;font-weight:700;
  padding:15px 28px;border-radius:999px;font-size:16px;border:none;cursor:pointer;transition:background .15s,transform .12s;letter-spacing:.01em}
.btn:hover{background:var(--pine-hover);transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn.accent,.calc .btn{background:var(--apricot);box-shadow:0 3px 10px var(--apricot-shadow)}
.btn.accent:hover,.calc .btn:hover{background:var(--apricot-hover)}
.btn.ghost{background:#fff;border:1.5px solid #D8CDB4;color:var(--ink) !important;margin-left:12px;padding:14px 20px;font-size:15px}
.btn.ghost:hover{background:#FFFDF8}
@media(max-width:560px){.btn.ghost{margin-left:0;margin-top:10px}}

/* ---------- hero (homepage) ---------- */
.hero{padding:50px 0 34px}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:52px;align-items:center}
.hero h1{font-size:clamp(32px,4.2vw,46px);line-height:1.08;margin:18px 0 16px;max-width:640px}
.hero h1 .hl{box-shadow:inset 0 -14px 0 var(--highlight)}
.hero p.sub{font-size:17.5px;line-height:1.62;color:var(--body);max-width:520px;margin:0 0 26px}
.herobtns{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.trustline{margin:22px 0 0;font-size:13.5px;color:var(--faint);display:flex;align-items:center;gap:8px}
.heroimg-box{position:relative}
.heroimg{width:100%;height:430px;display:block;border-radius:26px;object-fit:cover;border:1px solid var(--card-border);
  background:
    url('/img/hero.webp') center/cover no-repeat,
    linear-gradient(150deg,#F7E7D6,#EFE5CF 55%,#E7DFC8)}
.statchip{position:absolute;left:-18px;bottom:22px;background:#fff;border-radius:16px;box-shadow:0 14px 34px rgba(23,56,45,.18);
  padding:14px 18px;display:flex;align-items:center;gap:12px;pointer-events:none}
.statchip span{font-size:13px;color:var(--body);line-height:1.4}
.statchip b{display:block;font-size:17px;color:var(--ink);font-family:var(--disp)}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr;gap:30px}.heroimg{height:300px}}

/* ---------- quick-check bar ---------- */
.quickbar{background:#fff;border:1px solid var(--card-border);border-radius:22px;box-shadow:0 10px 30px rgba(23,56,45,.07);
  padding:20px 24px;display:flex;align-items:end;gap:16px;margin:8px 0 0}
.quickbar label{display:block;font-size:12.5px;font-weight:700;color:var(--nav);margin:0 0 6px}
.quickbar .qf1{flex:1}.quickbar .qf2{flex:1.2}.quickbar .qf3{flex:.7}
.quickbar input,.quickbar select{width:100%;padding:12px 14px;font-size:15px;font-family:inherit;border:1.5px solid var(--input-border);border-radius:12px;background:#fff;color:var(--ink)}
.quickbar button{flex:none;padding:13px 26px;border-radius:999px;background:var(--apricot);color:#fff;font-weight:700;font-size:15.5px;border:none;cursor:pointer;box-shadow:0 3px 10px var(--apricot-shadow);font-family:inherit}
.quickbar button:hover{background:var(--apricot-hover)}
@media(max-width:820px){.quickbar{flex-wrap:wrap}.quickbar .qf1,.quickbar .qf2{flex:1 1 45%}.quickbar .qf3{flex:1 1 45%}.quickbar button{width:100%}}

/* ---------- stat strip ---------- */
.statstrip{display:flex;align-items:stretch;padding:26px 0}
.statstrip > div{flex:1;padding:6px 26px}
.statstrip > div:first-child{padding-left:0}
.statstrip > div:last-child{padding-right:0}
.statstrip > div + div{border-left:1px solid var(--rule)}
.statstrip b{display:block;font-family:var(--disp);font-size:30px;color:var(--pine);font-weight:700}
.statstrip span{font-size:13px;color:var(--muted);line-height:1.5}
@media(max-width:760px){.statstrip{flex-wrap:wrap}.statstrip > div{flex:1 1 40%;padding:12px 18px !important;border-left:none !important}}

/* legacy stat cards (inner pages if any) */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px;margin:24px 0}
.stat{background:#fff;border:1px solid var(--card-border);border-radius:16px;padding:18px 20px}
.stat b{display:block;font-family:var(--disp);font-size:26px;color:var(--pine);font-weight:700}
.stat span{font-size:13px;color:var(--muted)}

/* ---------- cards & tiles ---------- */
.card{background:#fff;border:1px solid var(--card-border);border-radius:22px;padding:22px 28px;margin:24px 0}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:18px;margin:20px 0}
.tile{border:1px solid var(--card-border);border-radius:18px;padding:20px 22px;background:#fff;position:relative;transition:transform .15s,box-shadow .15s}
.tile:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(23,56,45,.09)}
.tile.dot:before{content:"";display:block;width:10px;height:10px;border-radius:50%;background:var(--apricot);margin-bottom:12px}
.tile .tile-h{margin:0 0 6px;font-size:16px;font-weight:700;line-height:1.35}
.tile .tile-h a{text-decoration:none;color:var(--ink)}
.tile .tile-h a:after{content:"";position:absolute;inset:0}
.tile .tile-h a:hover{color:var(--pine)}
.tile p{font-size:14px;color:var(--body);margin:0;line-height:1.6}
.tile h3{margin:0 0 6px;font-size:16px}

/* ---------- CTA band ---------- */
.cta-card{background:var(--wash);border:1px solid var(--wash-border);border-radius:22px;padding:28px 32px;margin:28px 0;
  display:flex;align-items:center;gap:32px;flex-wrap:wrap}
.cta-card .cta-body{flex:1;min-width:260px}
.cta-h{margin:0 0 6px;font-family:var(--disp);font-size:21px;font-weight:700;color:var(--ink)}
.cta-card p{margin:0;font-size:14.5px;line-height:1.6;color:#6B5B44;max-width:560px}
.cta-card p.note{margin-top:10px;font-size:12.5px;color:#9B855F}
.cta-card p.note a{color:var(--chip-text)}
.cta-card .btn{margin:0;flex:none;padding:15px 26px;font-size:15.5px}

/* ---------- steps (numbered rows) ---------- */
.steps{background:#fff;border:1px solid var(--card-border);border-radius:22px;padding:10px 28px;margin:20px 0}
.steps .step{display:flex;gap:16px;align-items:baseline;padding:16px 0;border-bottom:1px solid var(--row-line)}
.steps .step:last-child{border-bottom:none}
.steps .step i{flex:none;width:26px;height:26px;border-radius:50%;background:var(--wash);color:var(--chip-text);font-weight:700;font-size:13px;font-style:normal;display:flex;align-items:center;justify-content:center}
.steps .step p{margin:0;font-size:15px;line-height:1.65;color:var(--body)}
.steps .step b{color:var(--ink)}

/* ---------- tables ---------- */
table{border-collapse:separate;border-spacing:0;width:100%;margin:18px 0;font-size:14px;
  border:1px solid var(--card-border);border-radius:14px;overflow:hidden;background:#fff;display:table}
th{background:var(--table-head);padding:10px 14px;text-align:left;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--ink);font-weight:700}
td{padding:10px 14px;border-top:1px solid var(--row-line);color:var(--body)}
td a{font-weight:600}
td strong{color:var(--ink)}
tr:hover td{background:#FDFBF5}
@media(max-width:640px){th,td{padding:9px 10px;font-size:13px}}

/* ---------- badges & misc ---------- */
.badge{display:inline-block;background:var(--chip);border:1px solid var(--chip-border);color:var(--chip-text);
  border-radius:999px;padding:4px 14px;font-size:12.5px;font-weight:700;margin:0 8px 8px 0}
.eyebrow{display:inline-block;background:var(--chip);border:1px solid var(--chip-border);color:var(--chip-text);
  font-size:12.5px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;border-radius:999px;padding:6px 14px;margin:0 0 4px}
.crumbs{font-size:13px;color:var(--faint2);margin:18px 0 0;display:flex;gap:6px;flex-wrap:wrap}
.crumbs a{color:var(--faint2);text-decoration:none}
.crumbs a:hover{color:var(--pine);text-decoration:underline}
.updated{font-size:13px;color:var(--faint);margin:0 0 8px;display:flex;align-items:center;gap:7px}
.updated:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--dot);display:inline-block}
.note{font-size:13.5px;color:var(--muted)}
.statelist{columns:4;column-gap:28px;font-size:14px}
.statelist a{display:block;padding:4px 0;text-decoration:none;color:var(--body)}
.statelist a:hover{color:var(--pine)}
@media(max-width:900px){.statelist{columns:3}}
@media(max-width:640px){.statelist{columns:2}}

/* ---------- calculator ---------- */
.calc{background:#fff;border:1px solid var(--card-border);border-radius:22px;padding:30px;box-shadow:0 14px 36px rgba(23,56,45,.08);margin-top:8px}
.calc label{display:block;font-weight:700;font-size:12.5px;margin:16px 0 6px;color:var(--nav)}
.calc input,.calc select{width:100%;padding:12px 14px;font-size:15.5px;font-family:inherit;border:1.5px solid var(--input-border);border-radius:12px;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s}
.calc input:focus,.calc select:focus{border-color:var(--pine);box-shadow:0 0 0 4px rgba(28,75,60,.10);outline:none}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:560px){.calc .row{grid-template-columns:1fr}.calc{padding:20px}}
#result{display:none;margin-top:24px;border-top:1px solid var(--card-border);padding-top:18px}
.res-big{font-size:27px;font-weight:700;color:var(--pine);letter-spacing:-.01em;line-height:1.25}
.res-line{display:flex;justify-content:space-between;gap:14px;border-bottom:1px dashed var(--card-border);padding:9px 0;font-size:15.5px;color:var(--body)}
.res-line b{white-space:nowrap;color:var(--ink)}

/* ---------- alerts ---------- */
.alert{border-radius:12px;padding:15px 18px;margin:16px 0;font-size:14.5px;border:1px solid}
.alert.warn{background:var(--warn-bg);border-color:var(--warn-border);color:var(--warn-text)}
.alert.good{background:var(--good-bg);border-color:var(--good-border);color:var(--good-text)}
.alert.info{background:var(--info-bg);border-color:var(--info-border);color:var(--info-text)}

/* ---------- guide articles ---------- */
main.article{max-width:876px;margin:0 auto}
.guidehero{width:100%;height:340px;object-fit:cover;border-radius:22px;border:1px solid var(--card-border);display:block;margin:16px 0 10px}
@media(max-width:640px){.guidehero{height:220px}}
.onpage{background:#fff;border:1px solid var(--card-border);border-radius:16px;padding:16px 20px;margin:16px 0 22px}
.onpage .fh2{font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--nav);margin:0 0 8px}
.onpage a{display:block;font-size:14px;padding:3px 0;text-decoration:none;color:var(--body)}
.onpage a:hover{color:var(--pine)}

/* ---------- state page: grid + glance aside ---------- */
.stategrid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
@media(max-width:900px){.stategrid{grid-template-columns:1fr}}
.saside{position:sticky;top:86px}
@media(max-width:900px){.saside{position:static}}
.glance{background:var(--pine);color:#CFE3D6;border-radius:22px;padding:22px 24px}
.glance .g-t{font-size:12.5px;text-transform:uppercase;letter-spacing:.07em;color:#A9CBB6;font-weight:700;margin:0 0 10px}
.glance .g-price{font-family:var(--disp);font-size:38px;color:var(--cream);font-weight:700;line-height:1.1;margin:0}
.glance .g-sub{font-size:12.5px;color:#A9CBB6;margin:2px 0 14px}
.glance .g-row{display:flex;justify-content:space-between;gap:10px;font-size:13.5px;padding:8px 0;border-top:1px solid rgba(255,255,255,.14)}
.glance .g-row b{color:#fff;font-weight:600;text-align:right}
.glance .g-row b.acc{color:#F5B98F}
.glance .btn{display:block;width:100%;text-align:center;margin-top:14px;padding:13px 18px;font-size:14.5px;background:var(--apricot);box-shadow:0 3px 10px var(--apricot-shadow)}
.glance .btn:hover{background:var(--apricot-hover)}

/* ---------- tools index ---------- */
.toolgrid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:22px 0}
@media(max-width:720px){.toolgrid{grid-template-columns:1fr}}
.toolcard{border:1px solid var(--card-border);border-radius:18px;padding:24px;background:#fff;position:relative;transition:transform .15s,box-shadow .15s}
.toolcard:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(23,56,45,.09)}
.toolcard .ticon{width:44px;height:44px;border-radius:14px;background:var(--table-head);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.toolcard .t-title{font-family:var(--disp);font-size:20px;font-weight:700;color:var(--ink);margin:0 0 6px}
.toolcard .t-title a{text-decoration:none;color:inherit}
.toolcard .t-title a:after{content:"";position:absolute;inset:0}
.toolcard p{font-size:14px;color:var(--body);margin:0;line-height:1.6}
.toolcard .t-link{font-weight:700;color:var(--pine);font-size:14px;margin-top:14px;display:block}
.toolcard.featured{background:var(--pine);border-color:var(--pine)}
.toolcard.featured .ticon{background:rgba(233,138,85,.28)}
.toolcard.featured .t-title{color:var(--cream)}
.toolcard.featured p{color:#CFE3D6}
.toolcard.featured .t-link{color:#F5B98F}
.toolcard.featured .fchip{display:inline-block;background:rgba(233,138,85,.25);border:1px solid rgba(233,138,85,.5);color:#F5CBA6;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:4px 12px;margin-bottom:12px}

/* ---------- footer ---------- */
footer.site{margin-top:48px;background:var(--pine-deep);color:#AECBB6;font-size:13.5px}
footer.site .wrap{padding:44px 28px 26px}
.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.12)}
@media(max-width:820px){.footgrid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footgrid{grid-template-columns:1fr}}
.footbrand{display:flex;gap:10px;align-items:center;margin-bottom:12px}
.footbrand span{font-family:var(--disp);font-weight:700;color:var(--cream);font-size:17px}
.footbrand span .lg2{color:var(--apricot)}
.footcol .fh{color:#E9F2E9;font-size:12.5px;text-transform:uppercase;letter-spacing:.09em;margin:4px 0 5px;font-weight:700}
.footcol{display:flex;flex-direction:column;gap:7px}
.footcol a{color:#AECBB6;text-decoration:none;font-size:13.5px}
.footcol a:hover{color:#fff}
.footcol p{font-size:13.5px;line-height:1.65;margin:0;color:#8FB3A0;max-width:300px}
.footbot{padding-top:18px;font-size:12px;color:#7FA189;line-height:1.7}
.footbot a{color:#AECBB6}