/* ClaimSettleIQ — site stylesheet (no external fonts or frameworks) */
:root{
  --navy-900:#0f2342;
  --navy-800:#15305a;
  --navy-700:#1d3f73;
  --navy-600:#2a5394;
  --blue-50:#f2f6fb;
  --blue-100:#e3ebf6;
  --gray-50:#f7f8fa;
  --gray-100:#eef1f4;
  --gray-200:#dde3ea;
  --gray-300:#c5ced9;
  --gray-500:#5d6b7c;
  --gray-700:#36414f;
  --ink:#141c27;
  --white:#fff;
  --ok:#1f6b3a; --ok-bg:#eaf5ee;
  --warn:#7a4b00; --warn-bg:#fdf4e3;
  --err:#a1261b; --err-bg:#fbecea;
  --focus:#2563c9;
  --radius:8px;
  --shadow:0 1px 2px rgba(15,35,66,.06),0 2px 8px rgba(15,35,66,.05);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --mono:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;
  --maxw:1120px;
  --readw:740px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:84px}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--font);font-size:17px;line-height:1.65}
img,svg{max-width:100%;height:auto}
a{color:var(--navy-600);text-underline-offset:2px}
a:hover{color:var(--navy-800)}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:3px}
h1,h2,h3,h4{color:var(--navy-900);line-height:1.25;margin:1.6em 0 .55em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(1.85rem,1.3rem + 2.2vw,2.6rem);margin-top:.2em}
h2{font-size:clamp(1.35rem,1.1rem + 1vw,1.7rem)}
h3{font-size:1.18rem}
h4{font-size:1.02rem}
p,ul,ol,dl,table{margin:0 0 1.05em}
ul,ol{padding-left:1.35em}
li{margin:.3em 0}
small,.small{font-size:.88rem}
.muted{color:var(--gray-500)}
code{font-family:var(--mono);font-size:.92em;background:var(--gray-100);padding:.1em .35em;border-radius:4px}
hr{border:0;border-top:1px solid var(--gray-200);margin:2.2em 0}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy-900);color:#fff;padding:.6em 1em;z-index:1000}
.skip-link:focus{left:8px;top:8px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.readable{max-width:var(--readw)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--gray-200)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy-900);font-weight:750;font-size:1.12rem;letter-spacing:-.01em}
.brand svg{width:32px;height:32px;flex:none}
.brand span b{color:var(--navy-600);font-weight:750}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}
.main-nav a{display:block;padding:.5em .8em;border-radius:6px;text-decoration:none;color:var(--gray-700);font-weight:550;font-size:.96rem}
.main-nav a:hover{background:var(--blue-50);color:var(--navy-800)}
.main-nav a[aria-current="page"]{color:var(--navy-800);background:var(--blue-100)}
.nav-toggle{display:none;background:none;border:1px solid var(--gray-300);border-radius:6px;padding:.45em .7em;font:inherit;font-size:.95rem;color:var(--navy-900);cursor:pointer}
@media (max-width:880px){
  .nav-toggle{display:inline-flex;align-items:center;gap:6px}
  .main-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--gray-200);box-shadow:var(--shadow);display:none}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;padding:8px 12px 14px}
  .main-nav a{padding:.75em .8em;font-size:1rem}
}

/* Breadcrumbs */
.breadcrumbs{font-size:.88rem;color:var(--gray-500);padding-top:18px}
.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:.35em}
.breadcrumbs li{margin:0}
.breadcrumbs li+li::before{content:"/";margin-right:.35em;color:var(--gray-300)}
.breadcrumbs a{color:var(--gray-500)}

/* Page hero */
.page-hero{padding:28px 0 8px}
.page-hero .lede{font-size:1.12rem;color:var(--gray-700);max-width:760px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--navy-600);margin-bottom:.4em}
.meta-line{font-size:.88rem;color:var(--gray-500);margin-top:.4em}

.home-hero{background:linear-gradient(180deg,var(--blue-50),#fff);border-bottom:1px solid var(--gray-100);padding:44px 0 34px}
.home-hero h1{max-width:820px}
.home-hero .lede{font-size:1.15rem;color:var(--gray-700);max-width:760px}
.hero-points{display:flex;flex-wrap:wrap;gap:8px 22px;list-style:none;padding:0;margin:18px 0 0;color:var(--gray-700);font-size:.95rem}
.hero-points li{display:flex;align-items:center;gap:8px;margin:0}
.hero-points li::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--navy-600)}

/* Layout */
main{display:block}
.section{padding:36px 0}
.section.alt{background:var(--gray-50);border-top:1px solid var(--gray-100);border-bottom:1px solid var(--gray-100)}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:880px){.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.grid-2,.grid-3{grid-template-columns:minmax(0,1fr)}}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:48px;align-items:start;padding-bottom:40px}
.article-layout aside{position:sticky;top:90px}
@media (max-width:960px){.article-layout{grid-template-columns:minmax(0,1fr)}.article-layout aside{position:static}}

/* Cards */
.card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow)}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
a.card{display:block;text-decoration:none;color:inherit;transition:border-color .15s}
a.card:hover{border-color:var(--navy-600)}
a.card h3{color:var(--navy-800)}
.card .card-kicker{font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gray-500);margin-bottom:.3em}
.toc{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:var(--radius);padding:16px 18px;font-size:.93rem}
.toc h2{font-size:.9rem;text-transform:uppercase;letter-spacing:.06em;margin:0 0 .6em;color:var(--gray-700)}
.toc ol{margin:0;padding-left:1.2em}
.toc li{margin:.25em 0}
.side-box{border:1px solid var(--gray-200);border-radius:var(--radius);padding:16px 18px;margin-top:16px;font-size:.93rem}
.side-box h2{font-size:1rem;margin:0 0 .5em}
.side-box ul{list-style:none;padding:0;margin:0}

/* Callouts */
.callout{border-left:4px solid var(--navy-600);background:var(--blue-50);padding:14px 18px;border-radius:0 var(--radius) var(--radius) 0;margin:1.4em 0}
.callout p:last-child,.callout ul:last-child{margin-bottom:0}
.callout.warn{border-left-color:#b7791f;background:var(--warn-bg)}
.callout.example{border-left-color:var(--gray-500);background:var(--gray-50)}
.callout .callout-title{font-weight:700;color:var(--navy-900);display:block;margin-bottom:.25em}
.notice{font-size:.92rem;color:var(--gray-700);border:1px solid var(--gray-200);background:var(--gray-50);border-radius:var(--radius);padding:12px 16px}

/* Tables */
.table-wrap{overflow-x:auto;margin:0 0 1.2em;border:1px solid var(--gray-200);border-radius:var(--radius)}
table{border-collapse:collapse;width:100%;font-size:.95rem;margin:0}
th,td{padding:10px 12px;border-bottom:1px solid var(--gray-200);text-align:left;vertical-align:top}
thead th{background:var(--blue-50);color:var(--navy-900);font-weight:650;font-size:.88rem}
tbody tr:last-child td{border-bottom:0}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
tfoot td{font-weight:700;background:var(--gray-50);border-top:2px solid var(--gray-300);border-bottom:0}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:600;font-size:.97rem;border-radius:6px;padding:.62em 1.1em;border:1px solid var(--navy-700);background:var(--navy-700);color:#fff;cursor:pointer;text-decoration:none;line-height:1.3;min-height:44px}
.btn:hover{background:var(--navy-900);color:#fff}
.btn.secondary{background:#fff;color:var(--navy-800);border-color:var(--gray-300)}
.btn.secondary:hover{border-color:var(--navy-700);background:var(--blue-50);color:var(--navy-900)}
.btn.danger{background:#fff;color:var(--err);border-color:#e3b4ae}
.btn.danger:hover{background:var(--err-bg)}
.btn.small{padding:.35em .7em;font-size:.88rem;min-height:36px}
.btn-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}

/* Forms */
.tool{border:1px solid var(--gray-200);border-radius:12px;background:#fff;box-shadow:var(--shadow);overflow:hidden}
.tool-head{background:var(--navy-800);color:#fff;padding:16px 22px}
.tool-head h2{color:#fff;margin:0;font-size:1.2rem}
.tool-head p{margin:.25em 0 0;color:#d6e0ef;font-size:.93rem}
.tool-body{padding:22px}
.tool-cols{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:28px}
@media (max-width:900px){.tool-cols{grid-template-columns:minmax(0,1fr)}}
fieldset{border:1px solid var(--gray-200);border-radius:var(--radius);padding:14px 16px 6px;margin:0 0 16px}
legend{font-weight:700;color:var(--navy-900);padding:0 6px;font-size:1rem}
.field{margin-bottom:14px}
.field label,.field .label{display:block;font-weight:600;font-size:.95rem;margin-bottom:4px;color:var(--ink)}
.field .hint{display:block;font-size:.85rem;color:var(--gray-500);margin-top:3px;line-height:1.45}
.field-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}
@media (max-width:520px){.field-row{grid-template-columns:minmax(0,1fr)}}
input[type=text],input[type=number],input[type=date],input[type=email],select,textarea{width:100%;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid var(--gray-300);border-radius:6px;padding:.55em .7em;min-height:44px}
textarea{min-height:80px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--focus)}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--err);background:#fffafa}
.input-money{position:relative}
.input-money::before{content:"$";position:absolute;left:.75em;top:50%;transform:translateY(-50%);color:var(--gray-500);pointer-events:none}
.input-money input{padding-left:1.6em}
.input-suffix{position:relative}
.input-suffix span{position:absolute;right:.75em;top:50%;transform:translateY(-50%);color:var(--gray-500);pointer-events:none}
.input-suffix input{padding-right:2em}
.choice{display:flex;gap:10px;align-items:flex-start;padding:8px 10px;border:1px solid var(--gray-200);border-radius:6px;margin-bottom:8px;cursor:pointer;background:#fff}
.choice:hover{border-color:var(--gray-300);background:var(--gray-50)}
.choice input{margin-top:.35em;width:18px;height:18px;flex:none;accent-color:var(--navy-700)}
.choice span{font-size:.95rem}
.choice small{display:block;color:var(--gray-500)}
.error-summary{border:1px solid #e3b4ae;background:var(--err-bg);color:var(--err);border-radius:var(--radius);padding:12px 16px;margin-bottom:16px}
.error-summary h3{color:var(--err);margin:0 0 .3em;font-size:1rem}
.error-summary ul{margin:0}
.field-error{color:var(--err);font-size:.86rem;margin-top:4px;display:block}
.warn-box{border:1px solid #edd29c;background:var(--warn-bg);color:var(--warn);border-radius:var(--radius);padding:10px 14px;margin:10px 0;font-size:.93rem}
.ok-box{border:1px solid #b6dcc3;background:var(--ok-bg);color:var(--ok);border-radius:var(--radius);padding:10px 14px;margin:10px 0;font-size:.93rem}
.conditional[hidden]{display:none}

/* Results */
.result-panel{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:var(--radius);padding:18px 20px}
.result-panel h3{margin-top:0}
.result-figure{font-size:clamp(1.6rem,1.2rem + 1.6vw,2.2rem);font-weight:750;color:var(--navy-900);font-variant-numeric:tabular-nums;line-height:1.2}
.result-label{font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;color:var(--gray-500);font-weight:700}
.result-sub{color:var(--gray-700);font-size:.93rem}
.breakdown{width:100%;margin:12px 0}
.breakdown td{padding:7px 4px;border-bottom:1px solid var(--blue-100)}
.breakdown tr.total td{font-weight:700;border-top:2px solid var(--gray-300)}
.breakdown tr.sub td{color:var(--gray-500);font-size:.9rem}
.breakdown tr.neg td.num{color:var(--err)}
.scenario-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px;margin:10px 0}
.scenario{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius);padding:12px 14px}
.empty-state{color:var(--gray-500);font-size:.95rem}
.progress{height:12px;background:var(--gray-100);border-radius:99px;overflow:hidden;border:1px solid var(--gray-200)}
.progress > span{display:block;height:100%;background:var(--navy-600);width:0;transition:width .2s}

/* Checklist */
.check-cat{border:1px solid var(--gray-200);border-radius:var(--radius);margin-bottom:16px;background:#fff}
.check-cat > h3{margin:0;padding:12px 16px;background:var(--gray-50);border-bottom:1px solid var(--gray-200);font-size:1.05rem;display:flex;justify-content:space-between;gap:10px}
.check-cat > h3 .count{font-size:.85rem;color:var(--gray-500);font-weight:600}
.check-cat .why{padding:10px 16px 0;margin:0;font-size:.9rem;color:var(--gray-700)}
.check-items{list-style:none;margin:0;padding:6px 16px 10px}
.check-item{display:grid;grid-template-columns:auto 1fr auto;gap:10px;align-items:start;padding:8px 0;border-bottom:1px dashed var(--gray-200)}
.check-item:last-child{border-bottom:0}
.check-item input[type=checkbox]{width:20px;height:20px;margin-top:.2em;accent-color:var(--navy-700)}
.check-item.na label{color:var(--gray-500);text-decoration:line-through}
.check-item .na-toggle{font-size:.82rem;color:var(--gray-500);display:flex;gap:4px;align-items:center;white-space:nowrap}
.check-item .na-toggle input{width:16px;height:16px}
.check-notes{padding:0 16px 14px}
.check-notes label{font-size:.88rem;font-weight:600}

/* Footer */
.site-footer{background:var(--navy-900);color:#c9d4e5;margin-top:40px;padding:40px 0 26px;font-size:.93rem}
.site-footer a{color:#e3eaf5;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
@media (max-width:880px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer-grid{grid-template-columns:minmax(0,1fr)}}
.site-footer h2{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 .8em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.4em 0}
.footer-bottom{border-top:1px solid #2a3f63;margin-top:28px;padding-top:18px;font-size:.85rem;color:#9fb0c9}
.footer-brand{color:#fff;font-weight:700;font-size:1.05rem;margin-bottom:.4em}

/* Sources */
.sources{font-size:.92rem}
.sources li{margin:.45em 0}
.state-entry{border:1px solid var(--gray-200);border-radius:var(--radius);padding:18px 20px;margin:0 0 18px}
.state-entry h3{margin-top:0}
.state-entry dl{display:grid;grid-template-columns:170px 1fr;gap:6px 14px;font-size:.94rem;margin:0}
.state-entry dt{font-weight:650;color:var(--gray-700)}
.state-entry dd{margin:0}
@media (max-width:600px){.state-entry dl{grid-template-columns:1fr}.state-entry dd{margin-bottom:8px}}
.badge{display:inline-block;font-size:.75rem;font-weight:700;padding:.15em .55em;border-radius:99px;background:var(--blue-100);color:var(--navy-800);letter-spacing:.02em}

/* Print */
@media print{
  body{font-size:11pt;color:#000}
  .site-header,.site-footer,.breadcrumbs,.no-print,.btn,.btn-row,.nav-toggle,.toc,aside,.skip-link{display:none!important}
  .print-only{display:block!important}
  a{color:#000;text-decoration:none}
  .tool,.card,.check-cat,.result-panel{box-shadow:none;border-color:#999}
  .tool-head{background:none;color:#000;border-bottom:1px solid #999}
  .tool-head h2{color:#000}
  .tool-head p{color:#333}
  .check-item{break-inside:avoid}
  .check-cat{break-inside:avoid-page}
  table{font-size:9.5pt}
  th,td{padding:5px 6px}
  textarea{border:1px solid #999;min-height:0}
  .section{padding:0}
}
.print-only{display:none}

.readable,article{overflow-wrap:break-word}
input[type=date]{min-width:0;max-width:100%}
.table-wrap{max-width:100%;position:relative}
.tool-head a{color:#fff}