/* Fresh Start - public-service debt & bankruptcy guide (multi-state, Texas first).
   Civic / public-sector design. VARIANCE 3 / MOTION 2 / DENSITY 5.
   Institutional navy, Public Sans, squared corners, USWDS-style alerts.
   Honest framing: independent educational resource, NOT a government agency. */

/* Public Sans, self-hosted (no third-party font CDN, so no visitor data leaves for fonts) */
@font-face { font-family: 'Public Sans'; font-style: normal; font-weight: 400; font-display: swap; src: url('fonts/public-sans-latin-400-normal.woff2') format('woff2'); }
@font-face { font-family: 'Public Sans'; font-style: normal; font-weight: 500; font-display: swap; src: url('fonts/public-sans-latin-500-normal.woff2') format('woff2'); }
@font-face { font-family: 'Public Sans'; font-style: normal; font-weight: 600; font-display: swap; src: url('fonts/public-sans-latin-600-normal.woff2') format('woff2'); }
@font-face { font-family: 'Public Sans'; font-style: normal; font-weight: 700; font-display: swap; src: url('fonts/public-sans-latin-700-normal.woff2') format('woff2'); }
@font-face { font-family: 'Public Sans'; font-style: normal; font-weight: 800; font-display: swap; src: url('fonts/public-sans-latin-800-normal.woff2') format('woff2'); }
@font-face { font-family: 'Public Sans'; font-style: italic; font-weight: 400; font-display: swap; src: url('fonts/public-sans-latin-400-italic.woff2') format('woff2'); }

:root {
  --bg: #ffffff; --bg-alt: #f3f6f9; --bg-alt2: #e9eff4;
  --ink: #16212e; --ink-soft: #3c4a57; --muted: #62717c;
  --line: #d3dde4; --line-strong: #b6c4ce;
  --navy: #1b4664; --navy-700: #123349; --navy-900: #0c2334; --navy-600: #235d86; --link: #1a567f;
  --info: #1a567f; --info-bg: #e6f0f7; --info-bd: #2a6da3;
  --success: #1e7a3d; --success-bg: #e7f4ea; --success-bd: #2e8b50;
  --warning: #8a6100; --warning-bg: #fbf2d8; --warning-bd: #d9a91f;
  --danger: #b32218; --danger-bg: #f9e8e6; --danger-bd: #cf483d;
  --radius: 6px; --radius-lg: 8px; --maxw: 1140px;
  --font: 'Public Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #121821; --bg-alt: #182231; --bg-alt2: #1d2939;
    --ink: #e9eef3; --ink-soft: #b6c2cd; --muted: #8593a0;
    --line: #2a3848; --line-strong: #3a4a5c;
    --navy: #5b9dcb; --navy-700: #7db4da; --navy-900: #a9d0ea; --navy-600: #4d8cba; --link: #79b3da;
    --info: #79b3da; --info-bg: #16293a; --info-bd: #2f5a7d;
    --success: #6cc287; --success-bg: #15281c; --success-bd: #2e6a44;
    --warning: #e0b651; --warning-bg: #2a2310; --warning-bd: #6e5715;
    --danger: #e88b81; --danger-bg: #2c1816; --danger-bd: #7a342d;
  }
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }

h1,h2,h3,h4 { font-weight: 700; line-height: 1.18; margin: 0 0 .5em; color: var(--ink); letter-spacing: -0.01em; }
h1 { font-size: clamp(1.9rem, 4.5vw, 2.85rem); font-weight: 800; }
h2 { font-size: clamp(1.45rem, 3vw, 2rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; color: var(--ink-soft); }
a { color: var(--link); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--navy-700); }
strong { color: var(--ink); font-weight: 700; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 750px; margin-left: auto; margin-right: auto; }
.section { padding: 58px 0; }
.section--tint { background: var(--bg-alt); }
.eyebrow { font-size: .8rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--navy-600); margin: 0 0 .6rem; }
.lead { font-size: 1.17rem; color: var(--ink-soft); line-height: 1.55; }
.muted { color: var(--muted); }
.center { text-align: center; }

.skip { position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff; padding: 10px 16px; z-index: 200; }
.skip:focus { left: 8px; top: 8px; }

/* gov banner */
.gov-banner { background: var(--navy-900); color: #d7e4ee; font-size: .82rem; }
.gov-banner__inner { display: flex; align-items: center; gap: 9px; padding: 7px 24px; max-width: var(--maxw); margin: 0 auto; }
.gov-banner svg { flex: 0 0 auto; opacity: .85; }

/* masthead */
.masthead { background: var(--bg); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 60; }
.masthead__inner { display: flex; align-items: center; justify-content: space-between; gap: 18px; height: 74px; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand:hover { color: var(--ink); }
.brand__seal { width: 38px; height: 38px; flex: 0 0 auto; }
.brand__txt { display: flex; flex-direction: column; line-height: 1.05; }
.brand__txt strong { font-weight: 800; font-size: 1.1rem; letter-spacing: -0.01em; }
.brand__txt small { font-size: .72rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .05em; margin-top: 2px; }
.statechip { display: inline-flex; align-items: center; gap: 6px; margin-left: 8px; padding: 4px 10px; border: 1px solid var(--line-strong); border-radius: 999px; font-size: .8rem; font-weight: 700; color: var(--navy); background: var(--bg-alt); white-space: nowrap; }
.statechip small { font-weight: 500; color: var(--muted); font-size: .72rem; }
.masthead__right { display: flex; align-items: center; gap: 24px; }
.masthead__nav { display: flex; align-items: center; gap: 22px; }
.masthead__nav a { color: var(--ink-soft); text-decoration: none; font-weight: 600; font-size: .94rem; }
.masthead__nav a:hover { color: var(--navy-700); }
.masthead__nav a[data-active] { color: var(--navy); }
.masthead__nav a[data-active]::after { content: ""; display: block; height: 2px; background: var(--navy); margin-top: 4px; }
.masthead__cta { background: var(--navy); color: #fff !important; padding: 9px 16px; border-radius: var(--radius); font-size: .9rem !important; }
.masthead__cta:hover { background: var(--navy-700); color: #fff !important; }
.masthead__toggle { display: none; background: none; border: 0; color: var(--ink); cursor: pointer; padding: 6px; }
@media (max-width: 980px) {
  .masthead__toggle { display: block; }
  .statechip { margin-left: 0; }
  .masthead__nav { position: fixed; inset: 74px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0; background: var(--bg); border-bottom: 1px solid var(--line); padding: 6px 0; transform: translateY(-130%); transition: transform .22s ease; box-shadow: 0 12px 24px rgba(0,0,0,.08); }
  .masthead__nav[data-open="true"] { transform: translateY(0); }
  .masthead__nav a { padding: 14px 24px; border-bottom: 1px solid var(--line); }
  .masthead__nav a[data-active]::after { display: none; }
  .masthead__cta { margin: 10px 24px; text-align: center; }
}
@media (prefers-reduced-motion: reduce) { .masthead__nav { transition: none; } }

/* buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 24px; border-radius: var(--radius); font-weight: 700; font-size: 1rem; cursor: pointer; border: 2px solid transparent; text-decoration: none; font-family: var(--font); transition: background .12s ease; }
.btn--primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn--primary:hover { background: var(--navy-700); color: #fff; }
.btn--ghost { background: var(--bg); color: var(--navy); border-color: var(--line-strong); }
.btn--ghost:hover { border-color: var(--navy); color: var(--navy); }
.btn--lg { padding: 16px 30px; font-size: 1.08rem; }

/* privacy badge */
.privacy-badge { display: inline-flex; align-items: center; gap: 8px; background: var(--success-bg); color: var(--success); border: 1px solid var(--success-bd); border-radius: 999px; padding: 7px 15px; font-size: .9rem; font-weight: 700; }

/* hero */
.hero { padding: 54px 0; }
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 50px; align-items: center; }
@media (max-width: 920px) { .hero__grid { grid-template-columns: 1fr; gap: 32px; } }
.hero p.lead { max-width: 46ch; }
.hero__cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; align-items: center; }

.page-head { padding: 48px 0 6px; }
.toc { display: flex; flex-wrap: wrap; gap: 8px 18px; margin: 10px 0 0; font-size: .95rem; }

/* cards / grids */
.card { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 840px) { .grid-2, .grid-3 { grid-template-columns: 1fr; } }

.note { border-left: 4px solid var(--warning-bd); background: var(--warning-bg); border-radius: 0 var(--radius) var(--radius) 0; padding: 16px 18px; font-size: .95rem; color: var(--ink-soft); margin: 20px 0; }
.note strong { color: var(--ink); }
.note--info { border-color: var(--info-bd); background: var(--info-bg); }
.note--good { border-color: var(--success-bd); background: var(--success-bg); }

/* calculators */
.calc { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
.calc__head { padding: 20px 24px; border-bottom: 1px solid var(--line); background: var(--bg-alt); }
.calc__head h3 { margin: 0; }
.calc__head p { margin: 4px 0 0; font-size: .93rem; }
.calc__body { padding: 24px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-size: .9rem; font-weight: 700; color: var(--ink); margin-bottom: 6px; }
.field .hint { font-weight: 400; color: var(--muted); }
.field-row { display: flex; gap: 14px; }
.field-row .field { flex: 1; }
.field-row .field--sm { flex: 0 0 104px; }
input[type="number"], input[type="text"], select { width: 100%; height: 46px; padding: 0 13px; font-size: 1rem; font-family: var(--font); color: var(--ink); background: var(--bg); border: 1px solid var(--line-strong); border-radius: var(--radius); }
input:focus, select:focus { outline: 3px solid var(--info-bd); outline-offset: 0; border-color: var(--navy); }
input[type="range"] { width: 100%; accent-color: var(--navy); height: 28px; }
.slider-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 4px; }
.slider-head .val { font-weight: 800; font-size: 1.2rem; color: var(--ink); }

.verdict { border-left: 4px solid var(--line-strong); background: var(--bg-alt); border-radius: 0 var(--radius) var(--radius) 0; padding: 16px 18px; margin: 20px 0; }
.verdict__label { font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 5px; }
.verdict__line { font-size: 1.05rem; line-height: 1.45; color: var(--ink-soft); }
.verdict--bad { border-color: var(--danger-bd); background: var(--danger-bg); }
.verdict--bad .verdict__label, .verdict--bad .verdict__line { color: var(--danger); }
.verdict--ok { border-color: var(--warning-bd); background: var(--warning-bg); }
.verdict--ok .verdict__label, .verdict--ok .verdict__line { color: var(--warning); }
.verdict--good { border-color: var(--success-bd); background: var(--success-bg); }
.verdict--good .verdict__label, .verdict--good .verdict__line { color: var(--success); }

.statgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 4px 0 20px; }
.stat { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 13px 15px; }
.stat__k { font-size: .84rem; color: var(--muted); margin-bottom: 3px; }
.stat__v { font-weight: 800; font-size: 1.45rem; color: var(--ink); }
.rows { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 4px 18px; }
.rows .r { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-top: 1px solid var(--line); font-size: .97rem; }
.rows .r:first-child { border-top: 0; }
.rows .r .rv { font-weight: 700; color: var(--ink); }
.rows .r .rv--bad { color: var(--danger); }
.compare { border: 1px solid var(--info-bd); background: var(--info-bg); border-radius: var(--radius); padding: 16px 18px; margin-top: 16px; }
.compare .verdict__label { color: var(--info); }
.disclaim { font-size: .82rem; color: var(--muted); line-height: 1.5; margin-top: 16px; }

/* steps */
.steps { counter-reset: step; display: grid; gap: 14px; }
.step { display: grid; grid-template-columns: 42px 1fr; gap: 18px; align-items: start; background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px 22px; }
.step__n { counter-increment: step; width: 42px; height: 42px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; font-size: 1.05rem; display: flex; align-items: center; justify-content: center; }
.step__n::before { content: counter(step); }
.step h3 { margin: 3px 0 5px; }
.step p { margin: 0; font-size: .97rem; }

/* chapter cards */
.chapter { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; }
.chapter h3 { display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; }
.chapter h3 span { font-size: .85rem; color: var(--muted); font-weight: 600; }
.chapter ul { list-style: none; padding: 0; margin: 12px 0 0; }
.chapter li { display: grid; grid-template-columns: 22px 1fr; gap: 10px; padding: 9px 0; border-top: 1px solid var(--line); font-size: .96rem; color: var(--ink-soft); }
.chapter li:first-of-type { border-top: 0; }
.chapter li .ic { color: var(--success); font-weight: 800; }

/* texas / state callout */
.statecall { display: grid; grid-template-columns: 54px 1fr; gap: 18px; background: var(--info-bg); border: 1px solid var(--info-bd); border-radius: var(--radius-lg); padding: 22px 24px; }
.statecall h3 { color: var(--navy-700); margin-bottom: 4px; }
.statecall p { color: var(--ink-soft); margin: 0; }
.statecall__star { width: 50px; height: 50px; color: var(--navy); }

.faq details { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 2px 20px; margin-bottom: 10px; }
.faq summary { cursor: pointer; font-weight: 700; font-size: 1.05rem; padding: 16px 0; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.4rem; color: var(--navy-600); font-weight: 400; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { padding-bottom: 18px; margin: 0; }

.pillrow { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 8px; }
.pill { font-size: .87rem; background: var(--bg-alt); border: 1px solid var(--line); border-radius: 999px; padding: 6px 13px; color: var(--ink-soft); }

/* ===== wizard ===== */
.wizard { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
.wizard__bar { height: 6px; background: var(--bg-alt2); }
.wizard__fill { height: 100%; background: var(--navy); width: 0; transition: width .3s ease; }
@media (prefers-reduced-motion: reduce) { .wizard__fill { transition: none; } }
.wizard__top { display: flex; justify-content: space-between; align-items: center; padding: 14px 26px 0; font-size: .82rem; color: var(--muted); font-weight: 700; }
.wizard__sect { color: var(--navy-600); text-transform: uppercase; letter-spacing: .05em; }
.wizard__body { padding: 18px 26px 26px; }
.wizard__q { font-size: 1.5rem; font-weight: 800; line-height: 1.2; margin: 6px 0 6px; color: var(--ink); }
.wizard__help { font-size: .98rem; color: var(--muted); margin: 0 0 18px; }
.opts { display: grid; gap: 10px; margin: 0 0 6px; }
.opt { display: flex; align-items: flex-start; gap: 13px; border: 1px solid var(--line-strong); border-radius: var(--radius); padding: 14px 16px; cursor: pointer; font-size: 1rem; color: var(--ink); background: var(--bg); }
.opt:hover { border-color: var(--navy-600); }
.opt input { width: 20px; height: 20px; accent-color: var(--navy); flex: 0 0 auto; margin: 2px 0 0; }
.opt--on { border-color: var(--navy); background: var(--info-bg); }
.opt__hint { display: block; font-size: .85rem; color: var(--muted); margin-top: 2px; }
.wizard__nav { display: flex; justify-content: space-between; gap: 12px; padding: 16px 26px; border-top: 1px solid var(--line); background: var(--bg-alt); }
.wbtn { display: inline-flex; align-items: center; gap: 8px; padding: 13px 26px; border-radius: var(--radius); font-weight: 700; font-size: 1rem; cursor: pointer; border: 2px solid transparent; font-family: var(--font); }
.wbtn--next { background: var(--navy); color: #fff; }
.wbtn--next:hover { background: var(--navy-700); }
.wbtn--next:disabled { background: var(--line-strong); cursor: not-allowed; color: #fff; }
.wbtn--back { background: transparent; color: var(--ink-soft); }
.wbtn--back:hover { color: var(--navy); }
.wbtn--back[hidden] { visibility: hidden; }
.bignum { width: 100%; height: 54px; font-size: 1.3rem; font-weight: 700; padding: 0 16px; border: 1px solid var(--line-strong); border-radius: var(--radius); font-family: var(--font); color: var(--ink); background: var(--bg); }
.bignum:focus { outline: 3px solid var(--info-bd); border-color: var(--navy); }
.inline2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 520px) { .inline2 { grid-template-columns: 1fr; } }
.prefix { position: relative; }
.prefix > span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 1.15rem; font-weight: 700; pointer-events: none; }
.prefix .bignum { padding-left: 32px; }

/* debt builder */
.dgroup { margin-bottom: 16px; }
.dgroup__h { font-size: .8rem; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; color: var(--navy-600); margin: 0 0 8px; padding-top: 4px; }
.drow { display: grid; grid-template-columns: 1fr 150px; gap: 12px; align-items: center; padding: 9px 0; border-top: 1px solid var(--line); }
.drow:first-of-type { border-top: 0; }
.drow label { font-size: .98rem; color: var(--ink); font-weight: 500; }
.drow .prefix span { font-size: 1rem; }
.drow input { height: 44px; font-size: 1.05rem; font-weight: 700; }
.dtotal { display: flex; justify-content: space-between; align-items: baseline; margin-top: 12px; padding-top: 14px; border-top: 2px solid var(--line-strong); }
.dtotal b { font-size: 1.4rem; font-weight: 800; }
@media (max-width: 480px) { .drow { grid-template-columns: 1fr 120px; } }
.privacy-line { display: flex; align-items: center; gap: 8px; font-size: .85rem; color: var(--success); font-weight: 600; margin: 14px 0 2px; }

/* results */
.result__head { padding: 26px; border-radius: var(--radius-lg); margin-bottom: 22px; border: 1px solid; }
.result__tag { font-size: .8rem; font-weight: 800; text-transform: uppercase; letter-spacing: .05em; margin-bottom: 8px; }
.result__title { font-size: 1.7rem; font-weight: 800; line-height: 1.18; margin: 0 0 8px; }
.result__sub { font-size: 1.05rem; margin: 0; line-height: 1.5; color: var(--ink-soft); }
.r-good { background: var(--success-bg); border-color: var(--success-bd); } .r-good .result__tag, .r-good .result__title { color: var(--success); }
.r-warn { background: var(--warning-bg); border-color: var(--warning-bd); } .r-warn .result__tag, .r-warn .result__title { color: var(--warning); }
.r-info { background: var(--info-bg); border-color: var(--info-bd); } .r-info .result__tag, .r-info .result__title { color: var(--info); }
.r-bad { background: var(--danger-bg); border-color: var(--danger-bd); } .r-bad .result__tag, .r-bad .result__title { color: var(--danger); }

.rblock { border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px 22px; margin-bottom: 18px; }
.rblock h3 { margin: 0 0 12px; font-size: 1.15rem; }
.dbar { display: flex; height: 30px; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); margin: 6px 0 12px; }
.dbar span { display: block; height: 100%; }
.dbar .s-erase { background: var(--success-bd); } .dbar .s-survive { background: var(--danger-bd); } .dbar .s-secured { background: var(--navy-600); }
.dlegend { display: flex; flex-wrap: wrap; gap: 14px; font-size: .9rem; }
.dlegend span { display: inline-flex; align-items: center; gap: 7px; }
.dot { width: 11px; height: 11px; border-radius: 2px; display: inline-block; }
.dot.s-erase { background: var(--success-bd); } .dot.s-survive { background: var(--danger-bd); } .dot.s-secured { background: var(--navy-600); }

.findings { display: grid; gap: 12px; }
.finding { display: grid; grid-template-columns: 26px 1fr; gap: 12px; border: 1px solid var(--line); border-left-width: 4px; border-radius: var(--radius); padding: 15px 16px; background: var(--bg); }
.finding h4 { margin: 0 0 3px; font-size: 1rem; }
.finding p { margin: 0; font-size: .94rem; }
.finding .fi { font-size: 1.1rem; line-height: 1.3; font-weight: 800; }
.finding--watch { border-left-color: var(--warning-bd); } .finding--watch .fi { color: var(--warning); }
.finding--good { border-left-color: var(--success-bd); } .finding--good .fi { color: var(--success); }
.finding--info { border-left-color: var(--info-bd); } .finding--info .fi { color: var(--info); }
.finding--bad { border-left-color: var(--danger-bd); } .finding--bad .fi { color: var(--danger); }
.nextlist { list-style: none; padding: 0; margin: 0; counter-reset: nx; }
.nextlist li { display: grid; grid-template-columns: 30px 1fr; gap: 12px; padding: 12px 0; border-top: 1px solid var(--line); font-size: .98rem; color: var(--ink-soft); }
.nextlist li:first-child { border-top: 0; }
.nextlist li::before { counter-increment: nx; content: counter(nx); width: 26px; height: 26px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; font-size: .85rem; display: flex; align-items: center; justify-content: center; }
.recap { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 520px){ .recap { grid-template-columns: 1fr; } }
.recap .r { display: flex; justify-content: space-between; gap: 12px; padding: 10px 14px; background: var(--bg-alt); border-radius: var(--radius); font-size: .95rem; }
.recap .r b { color: var(--ink); }

/* footer */
.site-footer { background: var(--navy-900); color: #c4d4e0; padding: 46px 0 32px; margin-top: 46px; }
.site-footer .brand__txt strong { color: #fff; }
.site-footer .brand__txt small { color: #8fa9bd; }
.site-footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 30px; }
@media (max-width: 820px) { .site-footer__grid { grid-template-columns: 1fr 1fr; gap: 26px; } }
@media (max-width: 520px) { .site-footer__grid { grid-template-columns: 1fr; } }
.site-footer h4 { font-size: .8rem; text-transform: uppercase; letter-spacing: .05em; color: #8fa9bd; margin-bottom: 12px; }
.site-footer a { display: block; color: #c4d4e0; font-size: .94rem; padding: 4px 0; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.site-footer p { color: #9fb4c4; font-size: .93rem; }
.site-footer__legal { margin-top: 32px; padding-top: 20px; border-top: 1px solid #234156; font-size: .82rem; color: #8fa9bd; line-height: 1.6; }

.reveal { opacity: 0; transform: translateY(8px); transition: opacity .4s ease, transform .4s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ===== home / landing (matches the flow's calm language) ===== */
.hhero { background: var(--bg-alt); border-bottom: 1px solid var(--line); padding: 64px 0 68px; }
.hcenter { max-width: 760px; margin: 0 auto; padding: 0 24px; text-align: center; }
.hhero .eyebrow { color: var(--navy-600); }
.hhero h1 { font-size: clamp(2.05rem, 5vw, 3.1rem); letter-spacing: -0.02em; line-height: 1.08; margin: 6px auto 16px; max-width: 18ch; }
.hhero .lead { max-width: 56ch; margin: 0 auto; font-size: 1.18rem; color: var(--ink-soft); line-height: 1.55; }
.hcta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 28px; }
.hmeta { display: inline-flex; gap: 10px; flex-wrap: wrap; justify-content: center; margin-top: 24px; }
.hchip { display: inline-flex; align-items: center; gap: 8px; background: var(--bg); border: 1px solid var(--line); border-radius: 999px; padding: 8px 15px; font-size: .9rem; font-weight: 600; color: var(--ink-soft); }
.hchip svg { width: 16px; height: 16px; color: var(--navy-600); flex: 0 0 auto; }
.hsec { padding: 58px 0; }
.hsec .hcenter { margin-bottom: 36px; }
.hsec h2 { font-size: clamp(1.5rem, 3.4vw, 2rem); }
.hsec .sub { max-width: 52ch; margin: 8px auto 0; color: var(--ink-soft); font-size: 1.1rem; }
.hquiet { background: var(--bg-alt); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.hsteps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; max-width: 1000px; margin: 0 auto; padding: 0 24px; }
@media (max-width: 780px) { .hsteps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 440px) { .hsteps { grid-template-columns: 1fr; } }
.hstep { text-align: center; padding: 6px; }
.hstep .ico-circle { margin: 0 auto 13px; width: 56px; height: 56px; }
.hstep .ico-circle svg { width: 27px; height: 27px; }
.hstep .n { font-size: .74rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--navy-600); }
.hstep h3 { font-size: 1.05rem; margin: 5px 0 5px; }
.hstep p { font-size: .92rem; margin: 0; color: var(--ink-soft); line-height: 1.5; }
.hpoints { display: grid; gap: 14px; max-width: 720px; margin: 0 auto; padding: 0 24px; }
.hpoint { display: grid; grid-template-columns: 54px 1fr; gap: 17px; align-items: start; background: var(--bg); border: 1px solid var(--line); border-radius: 14px; padding: 22px 24px; }
.hpoint .ico-circle { width: 54px; height: 54px; }
.hpoint h3 { font-size: 1.12rem; margin: 0 0 4px; }
.hpoint p { margin: 0; font-size: .98rem; color: var(--ink-soft); line-height: 1.55; }
.hreassure { max-width: 660px; margin: 0 auto; padding: 0 24px; text-align: center; }
.hreassure h2 { margin-bottom: 12px; }
.hreassure p { font-size: 1.12rem; color: var(--ink-soft); line-height: 1.6; }

/* ===== learn / what-to-expect ===== */
.learn-wrap { max-width: 760px; margin: 0 auto; padding: 0 24px; }
.learn-toc { display: flex; flex-wrap: wrap; gap: 8px 16px; margin: 14px 0 0; font-size: .95rem; }
.learn-toc a { color: var(--ink-soft); }
.lsec { padding: 44px 0; border-top: 1px solid var(--line); }
.lsec:first-of-type { border-top: 0; }
.lsec__head { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.lsec__head .ico-circle { width: 50px; height: 50px; flex: 0 0 auto; }
.lsec__head h2 { margin: 0; font-size: clamp(1.4rem, 3.2vw, 1.8rem); }
.lsec p { color: var(--ink-soft); }
.lsec .kv { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 4px 18px; margin: 16px 0; }
.lsec .kv .r { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-top: 1px solid var(--line); font-size: .97rem; }
.lsec .kv .r:first-child { border-top: 0; }
.lsec .kv .r b { color: var(--ink); white-space: nowrap; }
/* vertical timeline */
.tl { margin: 8px 0 0; }
.tl__item { position: relative; padding: 0 0 24px 44px; border-left: 2px solid var(--line-strong); margin-left: 15px; }
.tl__item:last-child { border-left-color: transparent; padding-bottom: 0; }
.tl__dot { position: absolute; left: -16px; top: -2px; width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-size: .82rem; font-weight: 800; }
.tl__when { font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .05em; color: var(--navy-600); }
.tl__h { font-size: 1.08rem; font-weight: 700; margin: 2px 0 4px; }
.tl__p { font-size: .96rem; color: var(--ink-soft); margin: 0; line-height: 1.55; }

/* ===== state details page ===== */
.stsel { display: flex; flex-wrap: wrap; gap: 8px; margin: 4px 0 8px; }
.stsel a, .stsel span { display: inline-flex; align-items: center; gap: 6px; padding: 8px 14px; border: 1px solid var(--line-strong); border-radius: 999px; font-size: .92rem; font-weight: 600; text-decoration: none; color: var(--ink-soft); }
.stsel a:hover { border-color: var(--navy-600); color: var(--navy); }
.stsel a.on { background: var(--navy); border-color: var(--navy); color: #fff; }
.stsel span.soon { color: var(--muted); cursor: default; }
.statefacts { display: grid; gap: 0; }
.statefact { display: grid; grid-template-columns: 150px 1fr; gap: 18px; padding: 16px 0; border-top: 1px solid var(--line); }
.statefact:first-child { border-top: 0; }
.statefact .lab { font-weight: 700; color: var(--ink); }
.statefact p { margin: 0; color: var(--ink-soft); font-size: .98rem; line-height: 1.55; }
@media (max-width: 560px) { .statefact { grid-template-columns: 1fr; gap: 4px; } }
.kb-stateref { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 16px; border-left: 4px solid var(--navy); background: var(--info-bg); border-radius: 0 var(--radius) var(--radius) 0; padding: 14px 16px; margin: 18px 0; }
.kb-stateref p { margin: 0; font-size: .96rem; color: var(--ink-soft); flex: 1; min-width: 220px; }
.lib-statebar { background: var(--info-bg); border: 1px solid var(--info-bd); border-radius: 12px; padding: 14px 18px; margin: 0 0 22px; display: flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; font-size: .96rem; color: var(--navy-700); }
.lib-statebar b { color: var(--navy-700); }
.lib-statebar a { margin-left: auto; }

/* ===== resource library (doc-site layout) ===== */
.lib-top { padding: 30px 0 22px; border-bottom: 1px solid var(--line); background: var(--bg-alt); }
.lib-top .wrap { max-width: 1100px; }
.lib-top .eyebrow { color: var(--navy-600); }
.lib-top h1 { font-size: clamp(1.7rem, 4vw, 2.4rem); margin: 4px 0 8px; }
.lib-top p { color: var(--ink-soft); max-width: 60ch; margin: 0; }
.lib-layout { display: grid; grid-template-columns: 268px 1fr; max-width: 1100px; margin: 0 auto; align-items: start; }
.lib-side { border-right: 1px solid var(--line); padding: 22px 16px 60px; position: sticky; top: 58px; align-self: start; max-height: calc(100dvh - 58px); overflow: auto; }
.lib-main { padding: 30px 30px 80px; min-width: 0; }
.lib-main__inner { max-width: 720px; }
@media (max-width: 860px) {
  .lib-layout { grid-template-columns: 1fr; }
  .lib-side { position: static; max-height: none; border-right: 0; border-bottom: 1px solid var(--line); padding-bottom: 18px; }
  .lib-main { padding: 24px 22px 60px; }
}
.lib-search { margin-bottom: 16px; }
.lib-search input { width: 100%; height: 42px; padding: 0 12px 0 36px; border: 1px solid var(--line-strong); border-radius: var(--radius); font-family: var(--font); font-size: .95rem; background: var(--bg) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='18' height='18' fill='none' stroke='%2362717c' stroke-width='2'><circle cx='8' cy='8' r='6'/><path d='M13 13l4 4'/></svg>") no-repeat 10px center; }
.lib-search input:focus { outline: 3px solid var(--info-bd); border-color: var(--navy); }
.lib-cat { margin-bottom: 4px; }
.lib-cat__h { font-size: .76rem; font-weight: 800; text-transform: uppercase; letter-spacing: .05em; color: var(--navy-600); display: flex; align-items: center; gap: 8px; margin: 16px 0 4px; }
.lib-cat__h svg { width: 15px; height: 15px; }
.lib-nav a { display: block; padding: 6px 10px; border-radius: 6px; font-size: .92rem; color: var(--ink-soft); text-decoration: none; line-height: 1.35; }
.lib-nav a:hover { background: var(--bg-alt); color: var(--navy); }
.lib-nav a.on { background: var(--info-bg); color: var(--navy); font-weight: 600; }
.kb-crumb { font-size: .9rem; color: var(--muted); margin-bottom: 10px; }
.kb-crumb a { color: var(--navy-600); }
.kb-hero h2 { font-size: clamp(1.5rem, 3.5vw, 2rem); margin: 0 0 8px; }
.kb-hero p { font-size: 1.1rem; color: var(--ink-soft); max-width: 60ch; }
.kb-catgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 24px; }
@media (max-width: 560px) { .kb-catgrid { grid-template-columns: 1fr; } }
.kb-ccard { display: block; background: var(--bg); border: 1px solid var(--line); border-radius: 12px; padding: 20px; text-decoration: none; transition: border-color .12s; }
.kb-ccard:hover { border-color: var(--navy-600); }
.kb-ccard .ico-circle { width: 44px; height: 44px; margin-bottom: 12px; }
.kb-ccard h3 { margin: 0 0 4px; font-size: 1.1rem; color: var(--ink); }
.kb-ccard p { margin: 0; font-size: .93rem; color: var(--ink-soft); }
.kb-ccard .n { font-size: .82rem; color: var(--muted); margin-top: 8px; display: block; }
.kb-list { display: grid; gap: 10px; margin-top: 18px; }
.kb-litem { display: block; background: var(--bg); border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px; text-decoration: none; }
.kb-litem:hover { border-color: var(--navy-600); }
.kb-litem h3 { margin: 0 0 3px; font-size: 1.05rem; color: var(--ink); }
.kb-litem p { margin: 0; font-size: .93rem; color: var(--ink-soft); }
.kb-article h1 { font-size: clamp(1.6rem, 4vw, 2.1rem); margin: 0 0 14px; }
.kb-article > p, .kb-article li { font-size: 1.02rem; line-height: 1.65; color: var(--ink-soft); }
.kb-article h3 { font-size: 1.18rem; margin: 1.6em 0 .5em; color: var(--ink); }
.kb-article ul, .kb-article ol { padding-left: 22px; margin: 0 0 1.1em; }
.kb-article li { margin: 6px 0; }
.kb-note { border-left: 4px solid var(--info-bd); background: var(--info-bg); border-radius: 0 var(--radius) var(--radius) 0; padding: 14px 16px; margin: 18px 0; font-size: .97rem; color: var(--ink-soft); }
.kb-warn { border-left: 4px solid var(--warning-bd); background: var(--warning-bg); border-radius: 0 var(--radius) var(--radius) 0; padding: 14px 16px; margin: 18px 0; font-size: .97rem; color: var(--ink-soft); }
.kb-kv { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 4px 18px; margin: 18px 0; }
.kb-kv .r { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-top: 1px solid var(--line); font-size: .97rem; }
.kb-kv .r:first-child { border-top: 0; }
.kb-kv .r b { color: var(--ink); text-align: right; }
.kb-foot { margin-top: 34px; padding-top: 22px; border-top: 1px solid var(--line); }
.kb-related { margin-top: 18px; }
.kb-related h4 { font-size: .82rem; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); margin: 0 0 10px; }
.kb-cta { background: var(--info-bg); border: 1px solid var(--info-bd); border-radius: 12px; padding: 20px 22px; margin-top: 22px; }
.kb-cta h4 { margin: 0 0 6px; font-size: 1.08rem; }
.kb-cta p { margin: 0 0 12px; font-size: .96rem; color: var(--ink-soft); }
.kb-empty { color: var(--muted); padding: 30px 0; }

/* ===== guided flow ===== */
.fshell { min-height: 100dvh; display: flex; flex-direction: column; }
.fhead { height: 58px; flex: 0 0 auto; border-bottom: 1px solid var(--line); display: flex; align-items: center; justify-content: space-between; padding: 0 18px; position: sticky; top: 0; background: var(--bg); z-index: 30; }
.fhead .brand strong { font-size: 1.02rem; line-height: 1.1; }
.fhead .brand small { display: none; }
.fhead .brand, .fhead .brand__txt { min-width: 0; }
@media (max-width: 620px) {
  .fhead { padding: 0 14px; gap: 8px; }
  .fhead .brand strong { font-size: .9rem; }
  .fhead .brand__seal { width: 32px; height: 32px; }
  .fhead__hide-sm { display: none !important; }
  .fhead__lbl { display: none; }
  .fhead__btn { padding: 8px; }
  .masthead__cta { padding: 8px 13px; font-size: .82rem !important; white-space: nowrap; }
  .fhead__right { gap: 2px; }
}
.fhead__right { display: flex; align-items: center; gap: 6px; }
.fhead__btn { background: none; border: 0; color: var(--muted); font-family: var(--font); font-size: .86rem; font-weight: 600; cursor: pointer; padding: 8px 10px; border-radius: var(--radius); display: inline-flex; align-items: center; gap: 6px; text-decoration: none; }
.fhead__btn:hover { color: var(--navy); background: var(--bg-alt); }
.fhead__btn svg { width: 15px; height: 15px; }
.fprog { height: 4px; background: var(--bg-alt2); flex: 0 0 auto; }
.fprog__bar { height: 100%; background: var(--navy); width: 0; transition: width .4s cubic-bezier(.4,0,.2,1); }
@media (prefers-reduced-motion: reduce) { .fprog__bar { transition: none; } }
.fwrap { flex: 1 0 auto; display: flex; justify-content: center; padding: 34px 20px 48px; }
.fstage { width: 100%; max-width: 580px; }
.fstage--wide { max-width: 760px; }
.fscreen { animation: fscreen .32s cubic-bezier(.16,1,.3,1); }
@keyframes fscreen { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .fscreen { animation: none; } }
.fphase { font-size: .76rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; color: var(--navy-600); margin-bottom: 12px; }
.fq { font-size: clamp(1.5rem, 4.6vw, 2.15rem); font-weight: 800; line-height: 1.14; letter-spacing: -0.01em; margin: 0 0 12px; }
.fhelp { font-size: 1.08rem; color: var(--ink-soft); margin: 0 0 24px; line-height: 1.55; }
.fbody { margin: 0 0 28px; }
.ficon { width: 70px; height: 70px; border-radius: 50%; background: var(--info-bg); color: var(--navy); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.ficon svg { width: 36px; height: 36px; }
.ficon--good { background: var(--success-bg); color: var(--success); }
.ficon--warn { background: var(--warning-bg); color: var(--warning); }
.ficon--danger { background: var(--danger-bg); color: var(--danger); }
.fnav { display: flex; align-items: center; gap: 14px; margin-top: 8px; }
.fnav__spacer { flex: 1; }
.fnext { display: inline-flex; align-items: center; gap: 9px; background: var(--navy); color: #fff; border: 0; border-radius: var(--radius); font-family: var(--font); font-weight: 700; font-size: 1.05rem; padding: 15px 30px; cursor: pointer; transition: background .12s; }
.fnext:hover { background: var(--navy-700); }
.fnext:disabled { background: var(--line-strong); cursor: not-allowed; }
.fnext svg { width: 18px; height: 18px; }
.fback { background: none; border: 0; color: var(--muted); font-family: var(--font); font-weight: 600; font-size: .95rem; cursor: pointer; padding: 10px 4px; display: inline-flex; align-items: center; gap: 6px; }
.fback:hover { color: var(--navy); }
.fback svg { width: 16px; height: 16px; transform: scaleX(-1); }
.fskip { background: none; border: 0; color: var(--muted); font-family: var(--font); font-weight: 600; font-size: .92rem; cursor: pointer; text-decoration: underline; text-underline-offset: 2px; padding: 6px; }
.fskip:hover { color: var(--navy); }
.ffoot { flex: 0 0 auto; padding: 16px 20px 22px; text-align: center; }
.ffoot__line { display: inline-flex; align-items: center; gap: 7px; font-size: .82rem; color: var(--muted); }
.ffoot__line svg { width: 14px; height: 14px; }
.ffoot a { color: var(--muted); }

/* flow choices (single/multi) - big, calm */
.fopts { display: grid; gap: 11px; }
.fopt { display: flex; align-items: center; gap: 14px; border: 1.5px solid var(--line-strong); border-radius: var(--radius-lg); padding: 17px 18px; cursor: pointer; background: var(--bg); text-align: left; font-family: var(--font); font-size: 1.05rem; color: var(--ink); font-weight: 600; transition: border-color .12s, background .12s; width: 100%; }
.fopt:hover { border-color: var(--navy-600); background: var(--info-bg); }
.fopt--on { border-color: var(--navy); background: var(--info-bg); }
.fopt__box { width: 22px; height: 22px; border-radius: 6px; border: 1.5px solid var(--line-strong); flex: 0 0 auto; display: flex; align-items: center; justify-content: center; color: #fff; }
.fopt--radio .fopt__box { border-radius: 50%; }
.fopt--on .fopt__box { background: var(--navy); border-color: var(--navy); }
.fopt__box svg { width: 14px; height: 14px; opacity: 0; }
.fopt--on .fopt__box svg { opacity: 1; }
.fopt__txt { flex: 1; }
.fopt__hint { display: block; font-size: .86rem; color: var(--muted); font-weight: 400; margin-top: 2px; }
.finput { width: 100%; }
.fnum-row { display: grid; gap: 16px; }
.fnum-row label { display: block; font-size: .92rem; font-weight: 700; margin-bottom: 7px; color: var(--ink); }
.fnum-row .hint { font-weight: 400; color: var(--muted); }
.bignum { width: 100%; height: 56px; font-size: 1.35rem; font-weight: 700; padding: 0 16px; border: 1.5px solid var(--line-strong); border-radius: var(--radius); font-family: var(--font); color: var(--ink); background: var(--bg); }
.bignum:focus { outline: 3px solid var(--info-bd); border-color: var(--navy); }
.prefix { position: relative; }
.prefix > span { position: absolute; left: 15px; top: 50%; transform: translateY(-50%); color: var(--muted); font-size: 1.2rem; font-weight: 700; pointer-events: none; }
.prefix .bignum { padding-left: 34px; }
.fslider-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px; }
.fslider-head .v { font-weight: 800; font-size: 1.3rem; }
input[type="range"] { width: 100%; accent-color: var(--navy); height: 30px; }

/* debt builder in flow */
.fdebt__group { margin-bottom: 14px; }
.fdebt__h { font-size: .76rem; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; color: var(--navy-600); margin: 0 0 6px; }
.fdebt__row { display: grid; grid-template-columns: 1fr 140px; gap: 12px; align-items: center; padding: 8px 0; border-top: 1px solid var(--line); }
.fdebt__row:first-of-type { border-top: 0; }
.fdebt__row label { font-size: 1rem; color: var(--ink); }
.fdebt__row .bignum { height: 46px; font-size: 1.1rem; }
.fdebt__total { display: flex; justify-content: space-between; align-items: baseline; margin-top: 12px; padding-top: 12px; border-top: 2px solid var(--line-strong); font-weight: 600; }
.fdebt__total b { font-size: 1.35rem; font-weight: 800; }

/* big readout (verdict) */
.fread { border-radius: var(--radius-lg); padding: 22px 24px; border: 1px solid; margin-bottom: 20px; }
.fread__big { font-size: 1.9rem; font-weight: 800; line-height: 1.12; margin: 0 0 8px; }
.fread__sub { font-size: 1.05rem; line-height: 1.5; margin: 0; }
.fread--bad { background: var(--danger-bg); border-color: var(--danger-bd); } .fread--bad .fread__big { color: var(--danger); } .fread--bad .fread__sub { color: var(--ink-soft); }
.fread--good { background: var(--success-bg); border-color: var(--success-bd); } .fread--good .fread__big { color: var(--success); } .fread--good .fread__sub { color: var(--ink-soft); }
.fread--warn { background: var(--warning-bg); border-color: var(--warning-bd); } .fread--warn .fread__big { color: var(--warning); } .fread--warn .fread__sub { color: var(--ink-soft); }
.fstat2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.fstat { background: var(--bg-alt); border-radius: var(--radius); padding: 14px 16px; }
.fstat .k { font-size: .82rem; color: var(--muted); }
.fstat .v { font-size: 1.4rem; font-weight: 800; }

/* mini option-grid for the 3-options / helps screens */
.fpoints { display: grid; gap: 14px; }
.fpoint { display: grid; grid-template-columns: 46px 1fr; gap: 15px; align-items: start; }
.fpoint .ico-circle { width: 46px; height: 46px; }
.fpoint h3 { font-size: 1.08rem; margin: 0 0 3px; }
.fpoint p { font-size: .97rem; margin: 0; }

/* state picker grid in flow */
.fstates { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 460px) { .fstates { grid-template-columns: 1fr; } .fdebt__row { grid-template-columns: 1fr 110px; } }

/* icons */
.ico, [data-ico] { display: inline-flex; }
.ico-circle { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 50%; background: var(--info-bg); color: var(--navy); flex: 0 0 auto; }
.ico-circle svg { width: 26px; height: 26px; }
.ico-circle--good { background: var(--success-bg); color: var(--success); }
.ico-circle--warn { background: var(--warning-bg); color: var(--warning); }
.ico-circle--danger { background: var(--danger-bg); color: var(--danger); }
.ico-sm { width: 38px; height: 38px; }
.ico-sm svg { width: 19px; height: 19px; }

/* welcome modal */
.welcome__icon { width: 60px; height: 60px; border-radius: 50%; background: var(--info-bg); color: var(--navy); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.welcome__icon svg { width: 30px; height: 30px; }
.welcome__points { display: grid; gap: 10px; margin: 16px 0 6px; }
.welcome__pt { display: grid; grid-template-columns: 30px 1fr; gap: 11px; align-items: start; font-size: .96rem; color: var(--ink-soft); }
.welcome__pt .ico-circle { width: 30px; height: 30px; }
.welcome__pt .ico-circle svg { width: 16px; height: 16px; }

/* journey rail */
.jrail { background: var(--bg-alt); border-bottom: 1px solid var(--line); }
.jrail__inner { display: flex; max-width: var(--maxw); margin: 0 auto; padding: 0 12px; }
.jstep { flex: 1; display: flex; align-items: center; gap: 9px; padding: 11px 8px; color: var(--muted); text-decoration: none; font-size: .9rem; font-weight: 600; position: relative; min-width: 0; }
.jstep + .jstep::before { content: ""; position: absolute; left: 0; top: 50%; width: 1px; height: 22px; background: var(--line); transform: translateY(-50%); }
.jstep__n { width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--line-strong); display: flex; align-items: center; justify-content: center; font-size: .82rem; font-weight: 700; color: var(--muted); flex: 0 0 auto; background: var(--bg); }
.jstep__n svg { width: 15px; height: 15px; }
.jstep__lbl { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.jstep--done { color: var(--navy-700); }
.jstep--done .jstep__n { border-color: var(--success-bd); color: var(--success); }
.jstep--current { color: var(--navy); }
.jstep--current .jstep__n { background: var(--navy); border-color: var(--navy); color: #fff; }
.jstep:hover { color: var(--navy); }
@media (max-width: 720px) {
  .jrail__inner { padding: 0; }
  .jstep { justify-content: center; padding: 9px 4px; }
  .jstep__lbl { display: none; }
  .jstep--current { flex: 2.4; background: var(--bg); }
  .jstep--current .jstep__lbl { display: block; }
}

/* "how this works" journey map */
.jmap { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; counter-reset: jm; }
@media (max-width: 860px) { .jmap { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .jmap { grid-template-columns: 1fr; } }
.jcard { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px 20px; position: relative; }
.jcard__step { font-size: .76rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--navy-600); margin: 12px 0 4px; }
.jcard h3 { font-size: 1.08rem; margin: 0 0 6px; }
.jcard p { font-size: .93rem; margin: 0; color: var(--ink-soft); }

/* section header with icon */
.seclead { display: flex; align-items: center; gap: 14px; margin-bottom: 8px; }
.seclead h2, .seclead h3 { margin: 0; }

/* feature row (how it helps) */
.helps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media (max-width: 820px) { .helps { grid-template-columns: 1fr; } }
.help { display: grid; gap: 12px; }
.help h3 { font-size: 1.1rem; margin: 0; }
.help p { font-size: .96rem; margin: 0; }

/* state picker */
.statechip--empty { color: var(--navy); border-color: var(--navy); }
.statechip--empty:hover { background: var(--info-bg); }
.modal { position: fixed; inset: 0; z-index: 120; display: flex; align-items: center; justify-content: center; padding: 18px; }
.modal[hidden] { display: none; }
.modal__back { position: absolute; inset: 0; background: rgba(12,35,52,.55); }
.modal__panel { position: relative; background: var(--bg); border-radius: var(--radius-lg); border: 1px solid var(--line); max-width: 520px; width: 100%; padding: 26px; max-height: 88vh; overflow: auto; box-shadow: 0 24px 60px rgba(0,0,0,.3); }
.modal__x { position: absolute; top: 12px; right: 12px; background: none; border: 0; color: var(--muted); cursor: pointer; padding: 6px; }
.modal__x:hover { color: var(--ink); }
.stpick__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 460px) { .stpick__grid { grid-template-columns: 1fr; } }
.stpick { display: flex; align-items: center; justify-content: space-between; gap: 8px; padding: 14px 16px; border: 1px solid var(--line-strong); border-radius: var(--radius); background: var(--bg); color: var(--ink); font-weight: 700; font-size: 1rem; cursor: pointer; font-family: var(--font); text-align: left; }
.stpick:hover { border-color: var(--navy); background: var(--info-bg); }
.stpick__go { color: var(--navy-600); font-weight: 700; font-size: .9rem; }
.stpick--soon { color: var(--muted); cursor: not-allowed; font-weight: 600; }
.stpick--soon:hover { border-color: var(--line-strong); background: var(--bg); }
.stpick__soon { font-size: .8rem; font-weight: 600; color: var(--muted); }

/* state banner on national pages */
.statebanner { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; background: var(--info-bg); border: 1px solid var(--info-bd); border-radius: var(--radius); padding: 12px 18px; font-size: .95rem; color: var(--navy-700); }
.statebanner b { color: var(--navy-700); }
.state-only-note { background: var(--bg-alt); border: 1px dashed var(--line-strong); border-radius: var(--radius); padding: 18px; text-align: center; color: var(--ink-soft); }

/* ===== analysis report ===== */
.report-cover { background: var(--navy-900); color: #eaf1f7; border-radius: var(--radius-lg); padding: 28px 30px; margin-bottom: 22px; }
.report-cover .rc-k { font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: #8fb4d0; }
.report-cover h1 { color: #fff; font-size: 1.7rem; margin: 6px 0 10px; }
.report-cover .rc-meta { display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: .9rem; color: #c4d6e4; }
.report-cover .rc-meta b { color: #fff; }
.metricgrid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 20px; }
@media (max-width: 680px) { .metricgrid { grid-template-columns: 1fr 1fr; } }
.metric { border: 1px solid var(--line); border-radius: var(--radius); padding: 15px 16px; background: var(--bg); }
.metric .mk { font-size: .82rem; color: var(--muted); margin-bottom: 4px; }
.metric .mv { font-size: 1.5rem; font-weight: 800; color: var(--ink); line-height: 1.1; }
.metric .ms { font-size: .8rem; color: var(--muted); margin-top: 2px; }
.metric--erase .mv { color: var(--success); } .metric--survive .mv { color: var(--danger); }
.report-sec { margin-bottom: 22px; }
.report-sec > h2 { font-size: 1.2rem; display: flex; align-items: center; gap: 9px; margin: 0 0 12px; padding-bottom: 8px; border-bottom: 2px solid var(--line); }
.report-sec > h2 .rn { width: 24px; height: 24px; border-radius: 50%; background: var(--navy); color: #fff; font-size: .8rem; font-weight: 800; display: inline-flex; align-items: center; justify-content: center; }
.dtable { width: 100%; border-collapse: collapse; font-size: .96rem; }
.dtable td { padding: 9px 0; border-top: 1px solid var(--line); }
.dtable tr:first-child td { border-top: 0; }
.dtable td:last-child { text-align: right; font-weight: 700; color: var(--ink); }
.dtable .tag { font-size: .76rem; font-weight: 700; padding: 2px 8px; border-radius: 999px; margin-left: 8px; }
.tag-e { background: var(--success-bg); color: var(--success); } .tag-s { background: var(--danger-bg); color: var(--danger); } .tag-x { background: var(--bg-alt2); color: var(--navy-700); }
.provenance { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; font-size: .9rem; color: var(--ink-soft); }
.provenance h3 { font-size: 1rem; margin: 0 0 8px; }
.provenance ul { margin: 0; padding-left: 18px; } .provenance li { margin: 4px 0; }

/* purpose-built print document (Save as PDF) */
#printdoc { display: none; }
.pd { font-family: var(--font); color: #16212e; max-width: 7.3in; margin: 0 auto; font-size: 10.5pt; line-height: 1.45; }
.pd-head { border-bottom: 3px solid #1b4664; padding-bottom: 10px; margin-bottom: 14px; }
.pd-brand { font-weight: 800; color: #1b4664; font-size: 12.5pt; letter-spacing: -0.01em; }
.pd-title { font-size: 17pt; font-weight: 800; margin-top: 2px; line-height: 1.12; }
.pd-meta { font-size: 9pt; color: #5a5a5a; margin-top: 5px; }
.pd-verdict { border: 1px solid #cdd7df; border-left: 4px solid #1b4664; background: #f3f6f9; padding: 9px 13px; margin-bottom: 13px; }
.pd-verdict b { display: block; font-size: 8.5pt; text-transform: uppercase; letter-spacing: .05em; color: #1b4664; margin-bottom: 2px; }
.pd-verdict p { margin: 0; font-size: 10.5pt; }
.pd h2 { font-size: 12pt; border-bottom: 1px solid #cdd7df; padding-bottom: 4px; margin: 16px 0 8px; page-break-after: avoid; }
.pd table { width: 100%; border-collapse: collapse; font-size: 10pt; }
.pd td { padding: 5px 0; border-top: 1px solid #e0e0e0; vertical-align: top; }
.pd tr:first-child td { border-top: 0; }
.pd .num { text-align: right; font-weight: 700; white-space: nowrap; }
.pd-metrics { margin: 0 0 6px; }
.pd-metrics td { border: 1px solid #cdd7df; padding: 8px 6px; text-align: center; width: 25%; }
.pd-metrics .mk { font-size: 8.5pt; color: #5a5a5a; }
.pd-metrics .mv { font-size: 14pt; font-weight: 800; }
.pd-defs { font-size: 9pt; color: #444; margin: 8px 0 0; }
.pd-defs b { color: #16212e; }
.pd-block { page-break-inside: avoid; }
.pd-find { border: 1px solid #e0e0e0; border-left: 3px solid #888; padding: 7px 10px; margin-bottom: 6px; page-break-inside: avoid; }
.pd-find h4 { margin: 0 0 2px; font-size: 10pt; }
.pd-find p { margin: 0; font-size: 9.5pt; color: #444; }
.pd-foot { margin-top: 16px; border-top: 1px solid #cdd7df; padding-top: 8px; font-size: 8.5pt; color: #5a5a5a; }
.tag-e { color: #1e7a3d; font-weight: 700; font-size: 8.5pt; } .tag-s { color: #b32218; font-weight: 700; font-size: 8.5pt; } .tag-x { color: #1b4664; font-weight: 700; font-size: 8.5pt; }

@media print {
  .fshell { display: none !important; }
  #printdoc { display: block !important; }
  body { background: #fff; }
  @page { margin: 0.55in; }
}