:root {
  --navy: #0a2540;
  --navy-700: #0f3a66;
  --navy-50: #eaf1f9;
  --teal: #0d9488;
  --teal-700: #0f766e;
  --gold: #f59e0b;
  --gold-700: #b45309;
  --ink: #0f172a;
  --ink-700: #1f2937;
  --muted: #475569;
  --line: #e2e8f0;
  --bg: #ffffff;
  --bg-soft: #f8fafc;
  --bg-card: #ffffff;
  --shadow: 0 1px 2px rgba(15,23,42,.04), 0 8px 24px rgba(15,23,42,.06);
  --shadow-lg: 0 4px 12px rgba(15,23,42,.06), 0 20px 48px rgba(15,23,42,.10);
  --radius: 12px;
  --radius-sm: 8px;
  --maxw: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal-700); text-decoration: none; transition: color .15s; }
a:hover { color: var(--navy); text-decoration: underline; }

h1, h2, h3, h4 { font-family: 'Inter', sans-serif; color: var(--navy); line-height: 1.25; letter-spacing: -0.02em; margin: 0 0 .6em; font-weight: 700; }
h1 { font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -0.03em; }
h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-top: 2em; }
h3 { font-size: 1.25rem; margin-top: 1.6em; }
p { margin: 0 0 1.1em; }
.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* HEADER */
.site-header { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; backdrop-filter: saturate(180%) blur(8px); background: rgba(255,255,255,.92); }
.site-header .bar { display: flex; align-items: center; justify-content: space-between; height: 70px; gap: 32px; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 800; font-size: 1.15rem; color: var(--navy); letter-spacing: -0.02em; }
.brand:hover { text-decoration: none; }
.brand-mark { width: 36px; height: 36px; background: var(--navy); border-radius: 9px; display: grid; place-items: center; color: #fff; font-weight: 800; font-size: .85rem; box-shadow: inset 0 -2px 0 var(--gold); }
.nav { display: flex; gap: 4px; }
.nav a { color: var(--ink-700); padding: 10px 14px; border-radius: 8px; font-weight: 500; font-size: .95rem; }
.nav a:hover { background: var(--navy-50); color: var(--navy); text-decoration: none; }
.nav a.cta { background: var(--gold); color: var(--navy); font-weight: 600; }
.nav a.cta:hover { background: var(--gold-700); color: #fff; }
.menu-btn { display: none; background: none; border: 1px solid var(--line); padding: 8px 12px; border-radius: 8px; font-size: 1rem; cursor: pointer; }

@media (max-width: 800px) {
  .nav { display: none; position: absolute; top: 70px; left: 0; right: 0; flex-direction: column; background: #fff; border-bottom: 1px solid var(--line); padding: 12px 24px; gap: 4px; box-shadow: var(--shadow); }
  .nav.open { display: flex; }
  .menu-btn { display: inline-block; }
}

/* HERO */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-700) 100%); color: #fff; padding: 64px 0 80px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(circle at 20% 30%, rgba(245,158,11,.18), transparent 40%), radial-gradient(circle at 80% 70%, rgba(13,148,136,.18), transparent 50%); pointer-events: none; }
.hero .container { position: relative; display: grid; grid-template-columns: 1.2fr 1fr; gap: 56px; align-items: center; }
.hero h1 { color: #fff; font-size: clamp(2.2rem, 4.5vw, 3.4rem); margin-bottom: .4em; }
.hero .lede { font-size: 1.25rem; color: #cbd5e1; margin-bottom: 1.6em; max-width: 540px; line-height: 1.55; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; }
.btn { display: inline-block; padding: 14px 24px; border-radius: 10px; font-weight: 600; font-size: 1rem; transition: all .15s; cursor: pointer; border: none; }
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: #fbbf24; color: var(--navy); text-decoration: none; }
.btn-ghost { background: rgba(255,255,255,.08); color: #fff; border: 1px solid rgba(255,255,255,.2); }
.btn-ghost:hover { background: rgba(255,255,255,.15); color: #fff; text-decoration: none; }
.hero-img { border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-lg); }
@media (max-width: 800px) { .hero .container { grid-template-columns: 1fr; gap: 32px; } .hero { padding: 40px 0 48px; } }

/* STATE SELECTOR */
.state-picker { background: #fff; padding: 32px; border-radius: var(--radius); box-shadow: var(--shadow); margin: -40px auto 0; position: relative; z-index: 5; max-width: 880px; }
.state-picker h3 { margin-top: 0; font-size: 1.15rem; color: var(--navy); }
.state-picker-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(120px, 1fr)); gap: 6px; max-height: 280px; overflow-y: auto; padding: 4px; border: 1px solid var(--line); border-radius: var(--radius-sm); }
.state-picker-grid a { display: block; padding: 10px 14px; border-radius: 6px; color: var(--ink-700); font-weight: 500; font-size: .92rem; }
.state-picker-grid a:hover { background: var(--navy); color: #fff; text-decoration: none; }

/* MAIN LAYOUT */
.main { padding: 56px 0; background: var(--bg); }
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; }
@media (max-width: 1000px) { .layout { grid-template-columns: 1fr; } }

article.content { background: #fff; }
article.content > * { max-width: 720px; }
article.content > .full { max-width: none; }
article.content ul, article.content ol { margin: 0 0 1.2em; padding-left: 1.4em; }
article.content li { margin-bottom: .4em; }

aside.sidebar { display: flex; flex-direction: column; gap: 24px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.card h4 { margin: 0 0 12px; font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 700; }
.card ul { list-style: none; padding: 0; margin: 0; }
.card li { padding: 8px 0; border-top: 1px solid var(--line); }
.card li:first-child { border-top: 0; }
.card a { display: block; color: var(--ink-700); font-weight: 500; }
.card a:hover { color: var(--teal-700); text-decoration: none; }

/* BREADCRUMB */
.breadcrumb { font-size: .9rem; color: var(--muted); margin-bottom: 24px; }
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--navy); }

/* CARDS GRID */
.grid { display: grid; gap: 16px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 800px) { .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; } .grid-2 { grid-template-columns: 1fr; } }
@media (max-width: 500px) { .grid-3, .grid-4 { grid-template-columns: 1fr; } }
.tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; transition: all .15s; }
.tile:hover { border-color: var(--teal); transform: translateY(-2px); box-shadow: var(--shadow); }
.tile h3 { margin: 0 0 6px; font-size: 1.05rem; }
.tile h3 a { color: var(--navy); }
.tile h3 a:hover { color: var(--teal-700); text-decoration: none; }
.tile p { margin: 0; color: var(--muted); font-size: .92rem; }
.tile .meta { font-size: .8rem; color: var(--muted); margin-top: 8px; }

/* TABLE */
.tbl { width: 100%; border-collapse: collapse; margin: 1.5em 0; font-size: .96rem; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.tbl th, .tbl td { text-align: left; padding: 12px 16px; border-bottom: 1px solid var(--line); }
.tbl th { background: var(--bg-soft); color: var(--navy); font-weight: 600; font-size: .87rem; text-transform: uppercase; letter-spacing: .04em; }
.tbl tr:last-child td { border-bottom: 0; }
.tbl tr:hover td { background: var(--bg-soft); }

/* PROVIDER STATCARD */
.statgrid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; margin: 1.6em 0; }
.stat { background: var(--bg-soft); padding: 18px; border-radius: var(--radius-sm); border-left: 3px solid var(--teal); }
.stat .num { display: block; font-size: 1.6rem; font-weight: 800; color: var(--navy); line-height: 1.1; }
.stat .lbl { display: block; font-size: .8rem; color: var(--muted); margin-top: 4px; text-transform: uppercase; letter-spacing: .04em; }

/* CALLOUT */
.callout { background: linear-gradient(135deg, #fef3c7, #fde68a); border-left: 4px solid var(--gold-700); padding: 20px 24px; border-radius: var(--radius-sm); margin: 1.5em 0; }
.callout strong { color: var(--gold-700); }
.callout-info { background: var(--navy-50); border-left-color: var(--navy); }
.callout-info strong { color: var(--navy); }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 20px; margin-bottom: 10px; }
.faq summary { font-weight: 600; color: var(--navy); cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::before { content: '+'; color: var(--teal); margin-right: 12px; font-weight: 700; }
.faq details[open] summary::before { content: '−'; }
.faq details[open] { border-color: var(--teal); }
.faq details > p { margin: 14px 0 4px; color: var(--ink-700); }

/* PILLS */
.pill { display: inline-block; padding: 4px 10px; background: var(--navy-50); color: var(--navy); border-radius: 999px; font-size: .78rem; font-weight: 600; margin-right: 6px; }
.pill-gold { background: #fef3c7; color: var(--gold-700); }
.pill-teal { background: #ccfbf1; color: var(--teal-700); }

/* AD SLOT */
.ad-slot { background: var(--bg-soft); border: 1px dashed var(--line); border-radius: var(--radius-sm); padding: 16px; text-align: center; color: var(--muted); font-size: .82rem; margin: 24px 0; }

/* RECOMMENDED */
.recommend { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.recommend h4 { margin: 0 0 16px; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); }
.recommend ul { list-style: none; padding: 0; margin: 0; }
.recommend li { padding: 12px 0; border-top: 1px solid var(--line); }
.recommend li:first-child { border-top: 0; }
.recommend a { display: block; color: var(--navy); font-weight: 600; line-height: 1.4; }
.recommend a:hover { color: var(--teal-700); text-decoration: none; }
.recommend .src { display: block; font-size: .75rem; color: var(--muted); margin-top: 2px; font-weight: 400; }

/* FOOTER */
.site-footer { background: var(--navy); color: #cbd5e1; padding: 56px 0 28px; margin-top: 80px; }
.site-footer h5 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; margin: 0 0 14px; }
.site-footer .cols { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
@media (max-width: 800px) { .site-footer .cols { grid-template-columns: 1fr 1fr; gap: 28px; } }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { padding: 4px 0; }
.site-footer a { color: #cbd5e1; font-size: .92rem; }
.site-footer a:hover { color: var(--gold); text-decoration: none; }
.site-footer .legal { border-top: 1px solid rgba(255,255,255,.1); padding-top: 24px; font-size: .82rem; color: #94a3b8; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.site-footer .brand-block { color: #fff; font-weight: 700; font-size: 1.1rem; margin-bottom: 12px; }
.site-footer .brand-block + p { color: #94a3b8; font-size: .9rem; line-height: 1.55; }

/* HOMEPAGE EXTRAS */
.section-head { text-align: center; margin: 56px 0 32px; }
.section-head h2 { margin: 0 0 12px; }
.section-head p { color: var(--muted); max-width: 600px; margin: 0 auto; font-size: 1.05rem; }
.region-block { margin-bottom: 32px; }
.region-block h3 { font-size: .95rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); border-bottom: 2px solid var(--gold); padding-bottom: 8px; display: inline-block; margin-bottom: 16px; }
.state-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(180px, 1fr)); gap: 4px; }
.state-list a { display: block; padding: 8px 12px; color: var(--ink-700); border-radius: 6px; font-size: .94rem; }
.state-list a:hover { background: var(--navy-50); color: var(--navy); text-decoration: none; }

/* ELIGIBILITY CHECK */
.eligibility-check { background: var(--bg-soft); padding: 32px; border-radius: var(--radius); border: 1px solid var(--line); margin: 32px 0; }
.eligibility-check h3 { margin-top: 0; }
.eligibility-check ul { columns: 2; column-gap: 28px; }
@media (max-width: 600px) { .eligibility-check ul { columns: 1; } }

.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 16px; top: 16px; background: var(--gold); color: var(--navy); padding: 10px 16px; border-radius: 8px; z-index: 100; font-weight: 600; }