@import url('https://fonts.googleapis.com/css2?family=Work+Sans:wght@300;400;500;600;700&display=swap');

:root {
  --color-primary: oklch(52% 0.18 255);
  --color-secondary: oklch(62% 0.16 200);
  --color-accent: oklch(70% 0.15 160);

  --color-primary-light: color-mix(in oklch, var(--color-primary), white 70%);
  --color-primary-xlight: color-mix(in oklch, var(--color-primary), white 90%);
  --color-primary-dark: color-mix(in oklch, var(--color-primary), black 20%);
  --color-primary-hover: color-mix(in oklch, var(--color-primary), black 10%);

  --color-secondary-light: color-mix(in oklch, var(--color-secondary), white 70%);
  --color-secondary-xlight: color-mix(in oklch, var(--color-secondary), white 90%);

  --color-accent-light: color-mix(in oklch, var(--color-accent), white 70%);
  --color-accent-xlight: color-mix(in oklch, var(--color-accent), white 90%);

  --color-surface: oklch(98% 0.005 255);
  --color-surface-card: oklch(99.5% 0.002 255);
  --color-surface-subtle: oklch(96% 0.008 255);
  --color-text-primary: oklch(18% 0.02 255);
  --color-text-secondary: oklch(40% 0.02 255);
  --color-text-muted: oklch(58% 0.015 255);
  --color-text-on-dark: oklch(97% 0.005 255);
  --color-border: color-mix(in oklch, var(--color-primary), white 85%);
  --color-border-subtle: color-mix(in oklch, var(--color-primary), white 92%);

  --color-bronze: oklch(62% 0.12 55);
  --color-silver: oklch(68% 0.06 220);
  --color-gold: oklch(74% 0.14 80);
  --color-platinum: oklch(58% 0.1 280);

  --shadow-xs: 0 1px 2px color-mix(in oklch, var(--color-primary), transparent 92%), 0 1px 1px color-mix(in oklch, black, transparent 96%);
  --shadow-sm: 0 2px 4px color-mix(in oklch, var(--color-primary), transparent 88%), 0 1px 2px color-mix(in oklch, black, transparent 94%);
  --shadow-md: 0 4px 12px color-mix(in oklch, var(--color-primary), transparent 82%), 0 2px 4px color-mix(in oklch, black, transparent 92%);
  --shadow-lg: 0 8px 24px color-mix(in oklch, var(--color-primary), transparent 78%), 0 4px 8px color-mix(in oklch, black, transparent 90%);
  --shadow-xl: 0 16px 48px color-mix(in oklch, var(--color-primary), transparent 72%), 0 8px 16px color-mix(in oklch, black, transparent 88%);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4rem;
  --space-2xl: 6rem;
  --space-3xl: 8rem;

  --nav-height: 72px;
  --transition-fast: 150ms ease;
  --transition-base: 250ms ease;
  --transition-slow: 400ms ease;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Work Sans', system-ui, sans-serif;
  background-color: var(--color-surface);
  color: var(--color-text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

.site-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  transition: transform var(--transition-slow), opacity var(--transition-slow);
  transform-origin: left center;
}

.site-wrapper.menu-open-state {
  transform: translateX(-280px) scale(0.95);
  opacity: 0.85;
  pointer-events: none;
}

.main-content-area {
  flex: 1;
}

.section-inner-container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 var(--space-lg);
}


.main-navigation-container {
  position: sticky;
  top: 0;
  z-index: 100;
  background: color-mix(in oklch, var(--color-surface), transparent 8%);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--color-border-subtle);
  box-shadow: 0 0 0 transparent;
  transition: box-shadow var(--transition-base);
}

.navigation-inner-wrapper {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 var(--space-lg);
  height: var(--nav-height);
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}

.navigation-logo-link {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  text-decoration: none;
  flex-shrink: 0;
}

.navigation-logo-image {
  width: 32px;
  height: 32px;
}

.navigation-brand-name {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-primary);
  letter-spacing: -0.02em;
}

.navigation-desktop-links-list {
  display: flex;
  list-style: none;
  gap: var(--space-md);
  margin-left: auto;
  align-items: center;
}

.navigation-link-item {
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-text-secondary);
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  transition: color var(--transition-fast), border-color var(--transition-fast);
}

.navigation-link-item:hover,
.navigation-link-item.active {
  color: var(--color-primary);
  border-bottom-color: var(--color-primary);
}

.navigation-cta-button {
  display: inline-flex;
  align-items: center;
  background: var(--color-primary);
  color: var(--color-text-on-dark);
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 600;
  padding: 10px 22px;
  border-radius: var(--radius-full);
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
  box-shadow: var(--shadow-sm);
  white-space: nowrap;
}

.navigation-cta-button:hover {
  background: var(--color-primary-hover);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.navigation-hamburger-button {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
}

.hamburger-line {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--color-text-primary);
  border-radius: 2px;
  transition: transform var(--transition-base), opacity var(--transition-fast);
}


.mobile-menu-drawer {
  position: fixed;
  top: 0;
  right: 0;
  width: 280px;
  height: 100vh;
  background: var(--color-surface-card);
  z-index: 200;
  padding: var(--space-xl) var(--space-lg);
  transform: translateX(100%);
  transition: transform var(--transition-slow);
  box-shadow: var(--shadow-xl);
  display: flex;
  flex-direction: column;
}

.mobile-menu-drawer.drawer-open-state {
  transform: translateX(0);
}

.mobile-menu-close-button {
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--color-text-secondary);
  cursor: pointer;
  align-self: flex-end;
  min-width: 44px;
  min-height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  transition: background var(--transition-fast), color var(--transition-fast);
  margin-bottom: var(--space-lg);
}

.mobile-menu-close-button:hover {
  background: var(--color-primary-xlight);
  color: var(--color-primary);
}

.mobile-menu-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.mobile-menu-link-item {
  display: block;
  text-decoration: none;
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--color-text-primary);
  padding: 12px var(--space-sm);
  border-radius: var(--radius-sm);
  transition: background var(--transition-fast), color var(--transition-fast);
}

.mobile-menu-link-item:hover {
  background: var(--color-primary-xlight);
  color: var(--color-primary);
}


.homepage-hero-section {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: var(--space-3xl) 0;
}

.hero-mesh-gradient-background {
  position: absolute;
  inset: 0;
  z-index: 0;
  background: oklch(96% 0.012 255);
}

.hero-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.65;
}

.hero-gradient-orb--one {
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-primary), white 30%) 0%, transparent 70%);
  top: -100px;
  left: -100px;
  animation: orb-drift-one 12s ease-in-out infinite;
}

.hero-gradient-orb--two {
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-secondary), white 30%) 0%, transparent 70%);
  bottom: -80px;
  right: 10%;
  animation: orb-drift-two 15s ease-in-out infinite;
}

.hero-gradient-orb--three {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-accent), white 40%) 0%, transparent 70%);
  top: 30%;
  left: 40%;
  animation: orb-drift-three 18s ease-in-out infinite;
}

@keyframes orb-drift-one {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(40px, 30px) scale(1.05); }
  66% { transform: translate(-20px, 50px) scale(0.95); }
}

@keyframes orb-drift-two {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(-50px, -30px) scale(1.08); }
}

@keyframes orb-drift-three {
  0%, 100% { transform: translate(0, 0) scale(1); }
  40% { transform: translate(30px, -40px) scale(1.1); }
  80% { transform: translate(-30px, 20px) scale(0.92); }
}

.hero-content-container {
  position: relative;
  z-index: 2;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 var(--space-lg);
  max-width: 620px;
  margin-left: max(var(--space-lg), calc((100vw - 1180px) / 2 + var(--space-lg)));
  animation: hero-entrance 0.8s cubic-bezier(0.22, 1, 0.36, 1) both;
}

@keyframes hero-entrance {
  from {
    opacity: 0;
    transform: translateY(32px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero-eyebrow-label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-primary);
  background: var(--color-primary-xlight);
  border: 1px solid var(--color-border);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-md);
}

.hero-primary-heading {
  font-size: clamp(2rem, 5vw, 3.5rem);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: var(--color-text-primary);
  margin-bottom: var(--space-md);
}

.hero-supporting-text {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-bottom: var(--space-lg);
  max-width: 540px;
}

.hero-action-buttons-group {
  display: flex;
  gap: var(--space-sm);
  flex-wrap: wrap;
  margin-bottom: var(--space-md);
}

.hero-primary-cta-button {
  display: inline-flex;
  align-items: center;
  background: var(--color-primary);
  color: var(--color-text-on-dark);
  text-decoration: none;
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-md);
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
}

.hero-primary-cta-button:hover {
  background: var(--color-primary-hover);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.hero-secondary-cta-button {
  display: inline-flex;
  align-items: center;
  background: color-mix(in oklch, var(--color-surface-card), transparent 20%);
  backdrop-filter: blur(8px);
  color: var(--color-primary);
  text-decoration: none;
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  border: 1.5px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast), border-color var(--transition-fast);
}

.hero-secondary-cta-button:hover {
  background: var(--color-primary-xlight);
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.hero-trust-note {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  font-style: italic;
}

.hero-image-float-wrapper {
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 44%;
  max-width: 520px;
  z-index: 1;
  padding-right: var(--space-xl);
  animation: hero-image-entrance 1s cubic-bezier(0.22, 1, 0.36, 1) 0.2s both;
}

@keyframes hero-image-entrance {
  from {
    opacity: 0;
    transform: translateY(-50%) translateX(40px);
  }
  to {
    opacity: 1;
    transform: translateY(-50%) translateX(0);
  }
}

.hero-floating-image {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
}


.homepage-intro-context-section {
  padding: var(--space-3xl) 0;
}

.intro-context-text-block {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.section-heading-large {
  font-size: clamp(1.6rem, 3.5vw, 2.6rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.2;
  color: var(--color-text-primary);
  margin-bottom: var(--space-md);
}

.section-heading-centered {
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.25;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
  text-align: center;
}

.section-subheading-centered {
  font-size: 1.05rem;
  color: var(--color-text-secondary);
  text-align: center;
  margin-bottom: var(--space-xl);
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}

.section-body-text {
  font-size: 1rem;
  color: var(--color-text-secondary);
  line-height: 1.75;
  margin-bottom: var(--space-md);
}

.section-heading-light {
  color: var(--color-text-on-dark);
}

.section-body-text--light {
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 15%);
}

.section-subheading-light {
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 20%);
}


.homepage-info-blocks-section {
  padding: var(--space-3xl) 0;
  background: var(--color-surface-subtle);
}

.info-blocks-grid-layout {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-lg);
}

.info-block-card-wrapper {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-lg);
  padding: var(--space-xl) var(--space-lg);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base), border-color var(--transition-base);
  opacity: 0;
  transform: translateY(24px);
}

.info-block-card-wrapper.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease, box-shadow var(--transition-base), border-color var(--transition-base);
}

.info-block-card-wrapper:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: var(--color-border);
}

.info-block-icon-container {
  width: 52px;
  height: 52px;
  background: var(--color-primary-xlight);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  transition: background var(--transition-base), transform var(--transition-base);
}

.info-block-card-wrapper:hover .info-block-icon-container {
  background: var(--color-primary-light);
  transform: rotate(5deg) scale(1.05);
}

.info-block-icon {
  font-size: 1.3rem;
  color: var(--color-primary);
  transition: transform var(--transition-base);
}

.info-block-card-wrapper:hover .info-block-icon {
  transform: scale(1.1);
}

.info-block-card-heading {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
  letter-spacing: -0.01em;
}

.info-block-card-body {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-bottom: var(--space-md);
}

.info-block-read-more-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-primary);
  text-decoration: none;
  transition: gap var(--transition-fast), color var(--transition-fast);
}

.info-block-read-more-link:hover {
  gap: 10px;
  color: var(--color-primary-dark);
}


.homepage-metal-tiers-section {
  padding: var(--space-3xl) 0;
}

.metal-tiers-intro-block {
  max-width: 680px;
  margin-bottom: var(--space-xl);
}

.metal-tiers-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  margin-bottom: var(--space-xl);
}

.metal-tier-card {
  background: var(--color-surface-card);
  border-radius: var(--radius-lg);
  padding: var(--space-lg) var(--space-md);
  border: 2px solid var(--color-border-subtle);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
  opacity: 0;
  transform: translateY(24px);
}

.metal-tier-card.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease, box-shadow var(--transition-base), transform var(--transition-base);
}

.metal-tier-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.metal-tier-card--bronze { border-top: 4px solid var(--color-bronze); }
.metal-tier-card--silver { border-top: 4px solid var(--color-silver); }
.metal-tier-card--gold { border-top: 4px solid var(--color-gold); }
.metal-tier-card--platinum { border-top: 4px solid var(--color-platinum); }

.metal-tier-card-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: var(--space-md);
  gap: var(--space-xs);
  flex-wrap: wrap;
}

.metal-tier-badge {
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: -0.01em;
}

.metal-tier-badge--bronze { color: var(--color-bronze); }
.metal-tier-badge--silver { color: var(--color-silver); }
.metal-tier-badge--gold { color: var(--color-gold); }
.metal-tier-badge--platinum { color: var(--color-platinum); }

.metal-tier-actuarial-value {
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--color-text-muted);
}

.metal-tier-card-description {
  font-size: 0.875rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-bottom: var(--space-md);
}

.metal-tier-card-detail {
  background: var(--color-surface-subtle);
  border-radius: var(--radius-sm);
  padding: var(--space-sm);
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.metal-tier-detail-label {
  font-size: 0.7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-text-muted);
}

.metal-tier-detail-value {
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  font-weight: 500;
}

.metal-tiers-section-image {
  width: 100%;
  height: 360px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}


.homepage-subsidy-section {
  position: relative;
  padding: var(--space-3xl) 0;
  overflow: hidden;
}

.subsidy-section-mesh-background {
  position: absolute;
  inset: 0;
  background: var(--color-primary-dark);
  z-index: 0;
}

.subsidy-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(70px);
}

.subsidy-gradient-orb--one {
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-secondary), black 10%) 0%, transparent 70%);
  top: -100px;
  right: -50px;
  opacity: 0.6;
}

.subsidy-gradient-orb--two {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-accent), black 20%) 0%, transparent 70%);
  bottom: -80px;
  left: 10%;
  opacity: 0.5;
}

.subsidy-content-two-column {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
}

.subsidy-key-points-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  margin: var(--space-lg) 0;
}

.subsidy-key-point-item {
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
}

.subsidy-point-icon {
  color: var(--color-accent);
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 2px;
  transition: transform var(--transition-base);
}

.subsidy-key-point-item:hover .subsidy-point-icon {
  transform: scale(1.2) rotate(-5deg);
}

.subsidy-point-text-block {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.subsidy-point-text-block strong {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-text-on-dark);
}

.subsidy-point-text-block span {
  font-size: 0.875rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 20%);
  line-height: 1.6;
}

.subsidy-source-link-button {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: color-mix(in oklch, white, transparent 85%);
  color: var(--color-text-on-dark);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  padding: 12px 24px;
  border-radius: var(--radius-full);
  border: 1px solid color-mix(in oklch, white, transparent 70%);
  transition: background var(--transition-fast), gap var(--transition-fast);
}

.subsidy-source-link-button:hover {
  background: color-mix(in oklch, white, transparent 75%);
  gap: 12px;
}

.subsidy-section-image {
  width: 100%;
  height: 440px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
}


.homepage-hsa-section {
  padding: var(--space-3xl) 0;
}

.hsa-content-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: start;
}

.hsa-section-image {
  width: 100%;
  height: 420px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}

.hsa-subsection-heading {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
  margin-top: var(--space-lg);
  letter-spacing: -0.01em;
}

.hsa-when-it-works-block {
  background: var(--color-primary-xlight);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  margin-bottom: var(--space-md);
}

.hsa-when-it-works-block .hsa-subsection-heading {
  margin-top: 0;
}

.hsa-scenario-item {
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  margin-bottom: var(--space-sm);
}

.hsa-scenario-item:last-child {
  margin-bottom: 0;
}

.hsa-check-icon {
  color: var(--color-primary);
  font-size: 0.9rem;
  flex-shrink: 0;
  margin-top: 3px;
  transition: transform var(--transition-base);
}

.hsa-scenario-item:hover .hsa-check-icon {
  transform: scale(1.2);
}

.hsa-scenario-item p {
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
  margin: 0;
}

.hsa-caution-block {
  background: var(--color-surface-subtle);
  border-left: 3px solid var(--color-accent);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: var(--space-md) var(--space-lg);
}

.hsa-caution-block .section-body-text {
  margin-bottom: 0;
}


.homepage-true-cost-section {
  position: relative;
  padding: var(--space-3xl) 0;
  overflow: hidden;
}

.true-cost-mesh-background {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, oklch(22% 0.08 255) 0%, oklch(18% 0.06 220) 100%);
  z-index: 0;
}

.true-cost-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
}

.true-cost-gradient-orb--one {
  width: 450px;
  height: 450px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-secondary), black 30%) 0%, transparent 70%);
  top: -100px;
  left: -80px;
  opacity: 0.5;
}

.true-cost-gradient-orb--two {
  width: 380px;
  height: 380px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-accent), black 20%) 0%, transparent 70%);
  bottom: -60px;
  right: 5%;
  opacity: 0.45;
}

.homepage-true-cost-section .section-inner-container {
  position: relative;
  z-index: 1;
}

.true-cost-explanation-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  margin: var(--space-xl) 0;
}

.true-cost-concept-card {
  background: color-mix(in oklch, white, transparent 88%);
  backdrop-filter: blur(12px);
  border: 1px solid color-mix(in oklch, white, transparent 80%);
  border-radius: var(--radius-lg);
  padding: var(--space-lg) var(--space-md);
  transition: background var(--transition-base), transform var(--transition-base), box-shadow var(--transition-base);
  opacity: 0;
  transform: translateY(24px);
}

.true-cost-concept-card.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease, background var(--transition-base), box-shadow var(--transition-base);
}

.true-cost-concept-card:hover {
  background: color-mix(in oklch, white, transparent 82%);
  transform: translateY(-4px);
  box-shadow: 0 12px 32px color-mix(in oklch, black, transparent 70%);
}

.true-cost-concept-icon-wrap {
  width: 48px;
  height: 48px;
  background: color-mix(in oklch, var(--color-accent), transparent 70%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  transition: transform var(--transition-base);
}

.true-cost-concept-card:hover .true-cost-concept-icon-wrap {
  transform: rotate(-5deg) scale(1.08);
}

.true-cost-icon {
  font-size: 1.2rem;
  color: var(--color-accent-light);
}

.true-cost-concept-heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-on-dark);
  margin-bottom: var(--space-sm);
}

.true-cost-concept-body {
  font-size: 0.875rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 20%);
  line-height: 1.7;
}

.true-cost-formula-block {
  background: color-mix(in oklch, white, transparent 90%);
  backdrop-filter: blur(16px);
  border: 1px solid color-mix(in oklch, white, transparent 78%);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  margin-bottom: var(--space-xl);
}

.true-cost-formula-heading {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-text-on-dark);
  margin-bottom: var(--space-sm);
}

.true-cost-formula-explanation {
  font-size: 0.95rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 20%);
  line-height: 1.7;
  margin-bottom: var(--space-lg);
}

.true-cost-formula-display {
  display: flex;
  align-items: center;
  gap: var(--space-md);
  flex-wrap: wrap;
  margin-bottom: var(--space-md);
  justify-content: center;
}

.formula-component {
  background: color-mix(in oklch, var(--color-primary), transparent 60%);
  color: var(--color-text-on-dark);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 12px 20px;
  border-radius: var(--radius-md);
  text-align: center;
}

.formula-operator {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-accent-light);
}

.formula-result {
  background: var(--color-accent);
  color: color-mix(in oklch, var(--color-text-primary), white 20%);
  font-size: 1rem;
  font-weight: 700;
  padding: 12px 24px;
  border-radius: var(--radius-md);
  box-shadow: 0 4px 16px color-mix(in oklch, var(--color-accent), transparent 50%);
}

.true-cost-formula-note {
  font-size: 0.875rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 25%);
  line-height: 1.7;
  margin: 0;
  font-style: italic;
}

.true-cost-section-image {
  width: 100%;
  height: 340px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
}


.homepage-open-enrollment-section {
  padding: var(--space-3xl) 0;
  background: var(--color-surface-subtle);
}

.open-enrollment-content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
}

.open-enrollment-section-image {
  width: 100%;
  height: 380px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
}


.homepage-cta-banner-section {
  position: relative;
  padding: var(--space-3xl) 0;
  overflow: hidden;
}

.cta-banner-mesh-background {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--color-primary) 0%, color-mix(in oklch, var(--color-secondary), var(--color-primary) 40%) 100%);
  z-index: 0;
}

.cta-banner-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(60px);
}

.cta-banner-gradient-orb--one {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-accent), transparent 30%) 0%, transparent 70%);
  top: -80px;
  right: 10%;
  opacity: 0.7;
}

.cta-banner-gradient-orb--two {
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, color-mix(in oklch, white, transparent 60%) 0%, transparent 70%);
  bottom: -60px;
  left: 5%;
  opacity: 0.3;
}

.cta-banner-content-wrapper {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 620px;
  margin: 0 auto;
}

.cta-banner-main-heading {
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 700;
  color: var(--color-text-on-dark);
  margin-bottom: var(--space-md);
  letter-spacing: -0.025em;
  line-height: 1.2;
}

.cta-banner-supporting-text {
  font-size: 1rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 15%);
  line-height: 1.7;
  margin-bottom: var(--space-lg);
}

.cta-banner-primary-button {
  display: inline-flex;
  align-items: center;
  background: var(--color-text-on-dark);
  color: var(--color-primary);
  text-decoration: none;
  font-size: 1rem;
  font-weight: 700;
  padding: 16px 36px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-lg);
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
}

.cta-banner-primary-button:hover {
  background: color-mix(in oklch, var(--color-text-on-dark), var(--color-primary-xlight) 10%);
  box-shadow: var(--shadow-xl);
  transform: translateY(-2px);
}


.interior-page-hero-section {
  position: relative;
  padding: calc(var(--space-3xl) + var(--space-lg)) 0 var(--space-3xl);
  overflow: hidden;
}

.interior-hero-mesh-background {
  position: absolute;
  inset: 0;
  background: oklch(96% 0.012 255);
  z-index: 0;
}

.interior-hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(70px);
}

.interior-hero-orb--one {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-primary), white 40%) 0%, transparent 70%);
  top: -80px;
  right: 5%;
  opacity: 0.6;
}

.interior-hero-orb--two {
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, color-mix(in oklch, var(--color-secondary), white 40%) 0%, transparent 70%);
  bottom: -40px;
  left: 15%;
  opacity: 0.5;
}

.interior-hero-content-block {
  position: relative;
  z-index: 1;
  max-width: 680px;
  animation: hero-entrance 0.7s cubic-bezier(0.22, 1, 0.36, 1) both;
}

.interior-hero-main-heading {
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: var(--color-text-primary);
  margin-bottom: var(--space-md);
}

.interior-hero-supporting-text {
  font-size: 1.05rem;
  color: var(--color-text-secondary);
  line-height: 1.75;
  max-width: 580px;
}


.why-narrative-section {
  padding: var(--space-3xl) 0;
}

.why-narrative-content-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: var(--space-3xl);
  align-items: start;
}

.why-narrative-block {
  margin-bottom: var(--space-xl);
  opacity: 0;
  transform: translateY(24px);
}

.why-narrative-block.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.why-narrative-heading {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
  letter-spacing: -0.02em;
}

.why-narrative-image-sticky-wrapper {
  position: sticky;
  top: calc(var(--nav-height) + var(--space-lg));
}

.why-narrative-section-image {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  margin-bottom: var(--space-md);
}

.why-narrative-info-callout {
  background: var(--color-primary-xlight);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
}

.why-callout-icon {
  color: var(--color-primary);
  font-size: 1.2rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.why-callout-text-block {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.why-callout-text-block strong {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-text-primary);
}

.why-callout-text-block span {
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
}


.why-principles-section {
  padding: var(--space-3xl) 0;
  background: var(--color-surface-subtle);
}

.why-principles-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-md);
  margin-top: var(--space-xl);
}

.why-principle-card {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  text-align: center;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
  opacity: 0;
  transform: translateY(24px);
}

.why-principle-card.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease, box-shadow var(--transition-base);
}

.why-principle-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.why-principle-icon {
  font-size: 1.8rem;
  color: var(--color-primary);
  margin-bottom: var(--space-md);
  display: block;
  transition: transform var(--transition-base);
}

.why-principle-card:hover .why-principle-icon {
  transform: scale(1.15) rotate(5deg);
}

.why-principle-heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
}

.why-principle-body {
  font-size: 0.875rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
}


.updates-content-section {
  padding: var(--space-3xl) 0;
}

.updates-notice-bar {
  background: color-mix(in oklch, var(--color-secondary), white 85%);
  border: 1px solid color-mix(in oklch, var(--color-secondary), white 60%);
  border-radius: var(--radius-md);
  padding: var(--space-md) var(--space-lg);
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  margin-bottom: var(--space-xl);
}

.updates-notice-icon {
  color: var(--color-secondary);
  font-size: 1.1rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.updates-notice-text {
  font-size: 0.875rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
  margin: 0;
}

.updates-timeline-layout {
  display: flex;
  flex-direction: column;
  gap: var(--space-xl);
}

.update-entry-card {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition-base);
  opacity: 0;
  transform: translateY(24px);
}

.update-entry-card.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease, box-shadow var(--transition-base);
}

.update-entry-card:hover {
  box-shadow: var(--shadow-md);
}

.update-entry-date-badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--color-primary);
  background: var(--color-primary-xlight);
  border: 1px solid var(--color-border);
  padding: 5px 12px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-md);
}

.update-entry-heading {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-lg);
  letter-spacing: -0.02em;
}

.update-entry-content-block {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
}

.update-entry-topic-block {
  border-left: 3px solid var(--color-border);
  padding-left: var(--space-md);
  transition: border-color var(--transition-base);
}

.update-entry-topic-block:hover {
  border-left-color: var(--color-primary);
}

.update-entry-topic-heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
  display: flex;
  align-items: center;
  gap: var(--space-xs);
}

.update-topic-icon {
  color: var(--color-primary);
  font-size: 0.9rem;
  transition: transform var(--transition-base);
}

.update-entry-topic-block:hover .update-topic-icon {
  transform: scale(1.2);
}

.updates-cta-section {
  padding: var(--space-2xl) 0 var(--space-3xl);
}

.updates-cta-content-block {
  text-align: center;
}

.updates-cta-content-block .cta-banner-primary-button {
  background: var(--color-primary);
  color: var(--color-text-on-dark);
  margin-top: var(--space-md);
}

.updates-cta-content-block .cta-banner-primary-button:hover {
  background: var(--color-primary-hover);
}


.sources-content-section {
  padding: var(--space-3xl) 0;
}

.sources-intro-note {
  max-width: 680px;
  margin-bottom: var(--space-xl);
}

.sources-category-block {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  margin-bottom: var(--space-xl);
  box-shadow: var(--shadow-sm);
  opacity: 0;
  transform: translateY(24px);
}

.sources-category-block.animate-in {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.sources-category-header {
  display: flex;
  align-items: center;
  gap: var(--space-sm);
  margin-bottom: var(--space-sm);
}

.sources-category-icon {
  font-size: 1.4rem;
  color: var(--color-primary);
  transition: transform var(--transition-base);
}

.sources-category-block:hover .sources-category-icon {
  transform: scale(1.1) rotate(-5deg);
}

.sources-category-heading {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--color-text-primary);
  letter-spacing: -0.02em;
}

.sources-category-description {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
  margin-bottom: var(--space-lg);
  max-width: 680px;
}

.sources-links-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-md);
}

.source-link-card {
  background: var(--color-surface-subtle);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: var(--space-md);
  transition: background var(--transition-base), box-shadow var(--transition-base), transform var(--transition-base);
}

.source-link-card:hover {
  background: var(--color-primary-xlight);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}

.source-link-card-header {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  margin-bottom: var(--space-xs);
}

.source-link-icon {
  font-size: 0.85rem;
  color: var(--color-primary);
  transition: transform var(--transition-base);
}

.source-link-card:hover .source-link-icon {
  transform: translateX(2px) translateY(-2px);
}

.source-link-card-heading {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-text-primary);
}

.source-link-card-description {
  font-size: 0.85rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
  margin-bottom: var(--space-sm);
}

.source-link-external-button {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-primary);
  text-decoration: none;
  padding: 6px 14px;
  background: var(--color-primary-xlight);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-full);
  transition: background var(--transition-fast), border-color var(--transition-fast);
  font-family: 'Work Sans', monospace;
}

.source-link-external-button:hover {
  background: var(--color-primary-light);
  border-color: var(--color-primary);
}

.sources-section-image {
  width: 100%;
  height: 340px;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  margin-top: var(--space-xl);
}


.contact-main-section {
  padding: var(--space-3xl) 0;
}

.contact-two-column-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: start;
}

.contact-section-heading {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-xs);
  letter-spacing: -0.02em;
}

.contact-section-subtext {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  margin-bottom: var(--space-lg);
}


.contact-chat-form-wrapper {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-md);
}

.chat-conversation-thread {
  display: flex;
  flex-direction: column;
  gap: var(--space-lg);
  margin-bottom: var(--space-lg);
}

.chat-question-bubble-wrapper {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.chat-company-bubble {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-primary-xlight);
  border: 1px solid var(--color-border);
  color: var(--color-primary-dark);
  font-size: 0.9rem;
  font-weight: 600;
  padding: 12px 18px;
  border-radius: 18px 18px 18px 4px;
  align-self: flex-start;
  max-width: 85%;
}

.chat-bubble-icon {
  font-size: 0.85rem;
  color: var(--color-primary);
}

.chat-user-input-wrapper {
  align-self: flex-end;
  width: 90%;
}

.chat-input-field,
.chat-textarea-field {
  width: 100%;
  background: var(--color-surface-subtle);
  border: 1.5px solid var(--color-border);
  border-radius: 18px 18px 4px 18px;
  padding: 12px 18px;
  font-family: 'Work Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--color-text-primary);
  outline: none;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast);
  resize: none;
}

.chat-input-field:focus,
.chat-textarea-field:focus {
  border-color: var(--color-primary);
  background: var(--color-surface-card);
  box-shadow: 0 0 0 3px color-mix(in oklch, var(--color-primary), transparent 85%);
}

.chat-privacy-wrapper {
  background: var(--color-surface-subtle);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: var(--space-md);
}

.chat-privacy-label-row {
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  cursor: pointer;
}

.chat-privacy-checkbox {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--color-primary);
  cursor: pointer;
}

.chat-privacy-text {
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  line-height: 1.6;
}

.chat-privacy-link {
  color: var(--color-primary);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.chat-send-button {
  display: inline-flex;
  align-items: center;
  gap: var(--space-xs);
  background: var(--color-primary);
  color: var(--color-text-on-dark);
  border: none;
  font-family: 'Work Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
  min-height: 44px;
}

.chat-send-button:hover {
  background: var(--color-primary-hover);
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}


.contact-details-block {
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-sm);
  margin-bottom: var(--space-lg);
}

.contact-detail-item-row {
  display: flex;
  gap: var(--space-sm);
  align-items: flex-start;
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--color-border-subtle);
}

.contact-detail-item-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.contact-detail-icon-wrap {
  width: 40px;
  height: 40px;
  background: var(--color-primary-xlight);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background var(--transition-base), transform var(--transition-base);
}

.contact-detail-item-row:hover .contact-detail-icon-wrap {
  background: var(--color-primary-light);
  transform: scale(1.05);
}

.contact-detail-icon {
  font-size: 0.95rem;
  color: var(--color-primary);
}

.contact-detail-text-block {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.contact-detail-label {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-text-muted);
}

.contact-detail-value {
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  line-height: 1.5;
}

.contact-detail-link {
  text-decoration: none;
  color: var(--color-primary);
  transition: color var(--transition-fast);
}

.contact-detail-link:hover {
  color: var(--color-primary-dark);
}

.contact-google-map-iframe {
  width: 100%;
  height: 260px;
  border: none;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}


.contact-gallery-section {
  padding: var(--space-2xl) 0 var(--space-3xl);
  background: var(--color-surface-subtle);
}

.contact-gallery-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-md);
  margin-top: var(--space-xl);
}

.contact-gallery-image-wrapper {
  overflow: hidden;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  transition: box-shadow var(--transition-base), transform var(--transition-base);
}

.contact-gallery-image-wrapper:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.contact-gallery-image {
  width: 100%;
  height: 240px;
  object-fit: cover;
  display: block;
  transition: transform var(--transition-slow);
}

.contact-gallery-image-wrapper:hover .contact-gallery-image {
  transform: scale(1.04);
}


.thanks-page-main {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: calc(100vh - var(--nav-height) - 160px);
}

.thanks-page-center-wrapper {
  text-align: center;
  padding: var(--space-xl);
}

.thanks-animated-dot {
  width: 24px;
  height: 24px;
  background: var(--color-primary);
  border-radius: 50%;
  margin: 0 auto var(--space-xl);
  animation: dot-expand 0.8s cubic-bezier(0.34, 1.56, 0.64, 1) both;
}

@keyframes dot-expand {
  from {
    transform: scale(0);
    opacity: 0;
  }
  to {
    transform: scale(1);
    opacity: 1;
  }
}

.thanks-page-heading {
  font-size: clamp(1.8rem, 4vw, 3rem);
  font-weight: 700;
  color: var(--color-text-primary);
  letter-spacing: -0.03em;
  margin-bottom: var(--space-xl);
  animation: thanks-heading-fade 0.6s ease 0.5s both;
}

@keyframes thanks-heading-fade {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.thanks-page-home-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--color-primary);
  text-decoration: none;
  font-size: 1rem;
  font-weight: 600;
  padding: 12px 24px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-full);
  transition: background var(--transition-fast), border-color var(--transition-fast), gap var(--transition-fast);
  animation: thanks-link-fade 0.6s ease 1s both;
}

@keyframes thanks-link-fade {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

.thanks-page-home-link:hover {
  background: var(--color-primary-xlight);
  border-color: var(--color-primary);
  gap: 12px;
}


.legal-page-hero-section {
  background: var(--color-surface-subtle);
  border-bottom: 1px solid var(--color-border-subtle);
  padding: calc(var(--space-3xl) + var(--space-md)) 0 var(--space-xl);
}

.legal-page-main-heading {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 700;
  color: var(--color-text-primary);
  letter-spacing: -0.03em;
  margin-bottom: var(--space-xs);
}

.legal-page-meta-line {
  font-size: 0.85rem;
  color: var(--color-text-muted);
}

.legal-page-content-section {
  padding: var(--space-xl) 0 var(--space-3xl);
}

.legal-page-layout-wrapper {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: var(--space-3xl);
  align-items: start;
}

.legal-sidebar-toc {
  position: sticky;
  top: calc(var(--nav-height) + var(--space-lg));
  background: var(--color-surface-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-lg);
  padding: var(--space-md);
  box-shadow: var(--shadow-sm);
}

.legal-toc-mobile-toggle {
  display: none;
  align-items: center;
  justify-content: space-between;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-text-primary);
  cursor: pointer;
  padding: var(--space-xs) 0;
}

.legal-toc-toggle-icon {
  transition: transform var(--transition-base);
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

.legal-toc-mobile-toggle.toc-open .legal-toc-toggle-icon {
  transform: rotate(180deg);
}

.legal-toc-nav-links {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.legal-toc-link {
  display: block;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--color-text-secondary);
  text-decoration: none;
  padding: 7px 10px;
  border-radius: var(--radius-sm);
  border-left: 2px solid transparent;
  transition: color var(--transition-fast), background var(--transition-fast), border-color var(--transition-fast);
  line-height: 1.4;
}

.legal-toc-link:hover {
  color: var(--color-primary);
  background: var(--color-primary-xlight);
}

.legal-toc-link.active-toc-link {
  color: var(--color-primary);
  background: var(--color-primary-xlight);
  border-left-color: var(--color-primary);
  font-weight: 600;
}

.legal-page-body-content {
  min-width: 0;
}

.legal-section-block {
  margin-bottom: var(--space-xl);
  padding-bottom: var(--space-xl);
  border-bottom: 1px solid var(--color-border-subtle);
  scroll-margin-top: calc(var(--nav-height) + var(--space-lg));
}

.legal-section-block:last-child {
  border-bottom: none;
  margin-bottom: 0;
}

.legal-section-heading {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-md);
  letter-spacing: -0.02em;
}

.legal-subsection-heading {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-primary);
  margin-bottom: var(--space-sm);
  margin-top: var(--space-md);
}

.legal-body-text {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  line-height: 1.8;
  margin-bottom: var(--space-md);
}

.legal-body-text:last-child {
  margin-bottom: 0;
}


.site-footer-container {
  background: var(--color-text-primary);
  padding: var(--space-xl) 0 0;
  margin-top: auto;
}

.footer-main-row {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 var(--space-lg) var(--space-xl);
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: var(--space-xl);
  border-bottom: 1px solid color-mix(in oklch, white, transparent 85%);
}

.footer-logo-link {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  text-decoration: none;
  margin-bottom: var(--space-sm);
}

.footer-logo-image {
  width: 28px;
  height: 28px;
  filter: brightness(0) invert(1);
}

.footer-brand-name {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-on-dark);
}

.footer-brand-tagline {
  font-size: 0.8rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 35%);
  line-height: 1.6;
}

.footer-links-column {
  display: flex;
  flex-direction: column;
  gap: var(--space-xs);
}

.footer-nav-link {
  font-size: 0.875rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 25%);
  text-decoration: none;
  transition: color var(--transition-fast);
  padding: 3px 0;
}

.footer-nav-link:hover {
  color: var(--color-text-on-dark);
}

.footer-contact-column {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.8rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 25%);
  line-height: 1.5;
}

.footer-contact-icon {
  color: var(--color-primary-light);
  font-size: 0.85rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-contact-link {
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 20%);
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-contact-link:hover {
  color: var(--color-text-on-dark);
}

.footer-legal-row {
  max-width: 1180px;
  margin: 0 auto;
  padding: var(--space-md) var(--space-lg);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  flex-wrap: wrap;
}

.footer-copyright-text {
  font-size: 0.75rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 45%);
}

.footer-legal-links-group {
  display: flex;
  gap: var(--space-md);
}

.footer-legal-link-item {
  font-size: 0.75rem;
  color: color-mix(in oklch, var(--color-text-on-dark), transparent 40%);
  text-decoration: none;
  transition: color var(--transition-fast);
}

.footer-legal-link-item:hover {
  color: var(--color-text-on-dark);
}


.cookie-consent-split-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--color-surface-card);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -8px 32px color-mix(in oklch, var(--color-primary), transparent 85%);
  transform: translateY(100%);
  transition: transform 0.5s cubic-bezier(0.22, 1, 0.36, 1);
}

.cookie-consent-split-banner.cookie-banner-visible {
  transform: translateY(0);
}

.cookie-consent-left-panel {
  padding: var(--space-lg) var(--space-xl);
  border-right: 1px solid var(--color-border-subtle);
  background: var(--color-surface-subtle);
}

.cookie-consent-right-panel {
  padding: var(--space-lg) var(--space-xl);
}

.cookie-consent-logo-row {
  display: flex;
  align-items: center;
  gap: var(--space-xs);
  margin-bottom: var(--space-sm);
}

.cookie-consent-cookie-icon {
  font-size: 1.2rem;
  color: var(--color-primary);
  animation: cookie-bounce 2s ease-in-out infinite;
}

@keyframes cookie-bounce {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-3px) rotate(5deg); }
}

.cookie-consent-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-text-primary);
}

.cookie-consent-explanation-text {
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
  margin-bottom: var(--space-sm);
}

.cookie-consent-learn-more-link {
  font-size: 0.8rem;
  color: var(--color-primary);
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: color var(--transition-fast);
}

.cookie-consent-learn-more-link:hover {
  color: var(--color-primary-dark);
}

.cookie-consent-toggles-area {
  display: flex;
  flex-direction: column;
  gap: var(--space-sm);
  margin-bottom: var(--space-md);
}

.cookie-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-sm);
}

.cookie-toggle-label-block {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.cookie-toggle-name {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-text-primary);
}

.cookie-toggle-description {
  font-size: 0.75rem;
  color: var(--color-text-muted);
}

.cookie-toggle-switch--always-on {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--color-text-muted);
  background: var(--color-surface-subtle);
  border: 1px solid var(--color-border);
  padding: 4px 10px;
  border-radius: var(--radius-full);
}

.cookie-toggle-switch-label {
  position: relative;
  display: inline-block;
  width: 44px;
  height: 24px;
  flex-shrink: 0;
  cursor: pointer;
}

.cookie-toggle-checkbox {
  opacity: 0;
  width: 0;
  height: 0;
  position: absolute;
}

.cookie-toggle-slider {
  position: absolute;
  inset: 0;
  background: var(--color-border);
  border-radius: var(--radius-full);
  transition: background var(--transition-base);
}

.cookie-toggle-slider::before {
  content: '';
  position: absolute;
  width: 18px;
  height: 18px;
  left: 3px;
  top: 3px;
  background: white;
  border-radius: 50%;
  transition: transform var(--transition-base);
  box-shadow: var(--shadow-xs);
}

.cookie-toggle-checkbox:checked + .cookie-toggle-slider {
  background: var(--color-primary);
}

.cookie-toggle-checkbox:checked + .cookie-toggle-slider::before {
  transform: translateX(20px);
}

.cookie-consent-action-buttons {
  display: flex;
  gap: var(--space-sm);
  flex-wrap: wrap;
}

.cookie-accept-selected-button {
  flex: 1;
  background: var(--color-surface-subtle);
  border: 1.5px solid var(--color-border);
  color: var(--color-text-primary);
  font-family: 'Work Sans', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  padding: 10px 16px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: background var(--transition-fast), border-color var(--transition-fast);
  min-height: 44px;
}

.cookie-accept-selected-button:hover {
  background: var(--color-primary-xlight);
  border-color: var(--color-primary);
}

.cookie-accept-all-button {
  flex: 1;
  background: var(--color-primary);
  border: none;
  color: var(--color-text-on-dark);
  font-family: 'Work Sans', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  padding: 10px 16px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: background var(--transition-fast), box-shadow var(--transition-fast);
  min-height: 44px;
}

.cookie-accept-all-button:hover {
  background: var(--color-primary-hover);
  box-shadow: var(--shadow-sm);
}


[data-animate="fade-up"] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}

[data-animate="fade-up"].animate-in {
  opacity: 1;
  transform: translateY(0);
}


@media (max-width: 1024px) {
  .metal-tiers-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .true-cost-explanation-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-principles-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .why-narrative-content-layout {
    grid-template-columns: 1fr;
  }

  .why-narrative-image-sticky-wrapper {
    position: static;
    max-width: 480px;
  }

  .subsidy-content-two-column {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

  .hsa-content-layout {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

  .hsa-image-side {
    order: -1;
  }

  .open-enrollment-content-grid {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

  .legal-page-layout-wrapper {
    grid-template-columns: 200px 1fr;
    gap: var(--space-xl);
  }
}

@media (max-width: 768px) {
  :root {
    --space-xl: 3rem;
    --space-2xl: 4rem;
    --space-3xl: 5rem;
  }

  .navigation-desktop-links-list {
    display: none;
  }

  .navigation-cta-button {
    display: none;
  }

  .navigation-hamburger-button {
    display: flex;
  }

  .hero-image-float-wrapper {
    display: none;
  }

  .homepage-hero-section {
    min-height: 70vh;
    padding: var(--space-2xl) 0;
  }

  .hero-content-container {
    margin-left: var(--space-lg);
    margin-right: var(--space-lg);
    max-width: 100%;
  }

  .info-blocks-grid-layout {
    grid-template-columns: 1fr;
  }

  .metal-tiers-cards-grid {
    grid-template-columns: 1fr;
  }

  .true-cost-explanation-grid {
    grid-template-columns: 1fr;
  }

  .true-cost-formula-display {
    flex-direction: column;
    align-items: center;
  }

  .why-principles-grid {
    grid-template-columns: 1fr;
  }

  .contact-two-column-layout {
    grid-template-columns: 1fr;
  }

  .contact-gallery-grid {
    grid-template-columns: 1fr;
  }

  .footer-main-row {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .footer-legal-row {
    flex-direction: column;
    align-items: flex-start;
    gap: var(--space-sm);
  }

  .footer-legal-links-group {
    flex-wrap: wrap;
    gap: var(--space-sm);
  }

  .cookie-consent-split-banner {
    grid-template-columns: 1fr;
  }

  .cookie-consent-left-panel {
    border-right: none;
    border-bottom: 1px solid var(--color-border-subtle);
    padding: var(--space-md);
  }

  .cookie-consent-right-panel {
    padding: var(--space-md);
  }

  .legal-page-layout-wrapper {
    grid-template-columns: 1fr;
  }

  .legal-sidebar-toc {
    position: static;
  }

  .legal-toc-mobile-toggle {
    display: flex;
  }

  .legal-toc-nav-links {
    display: none;
    margin-top: var(--space-sm);
  }

  .legal-toc-nav-links.toc-nav-open {
    display: flex;
  }

  .sources-links-grid {
    grid-template-columns: 1fr;
  }

  .subsidy-image-column {
    display: none;
  }
}

@media (max-width: 480px) {
  .section-inner-container {
    padding: 0 var(--space-sm);
  }

  .navigation-inner-wrapper {
    padding: 0 var(--space-sm);
  }

  .hero-action-buttons-group {
    flex-direction: column;
  }

  .hero-primary-cta-button,
  .hero-secondary-cta-button {
    text-align: center;
    justify-content: center;
  }

  .true-cost-formula-display {
    gap: var(--space-sm);
  }

  .formula-component,
  .formula-result {
    width: 100%;
    text-align: center;
  }
}